Thanks for the response. The problem is I don't know specifically which type of visa I need, but just followed the labyrinth to the place that mentioned retirees and started there. And yes, I think it might be a type D, though I'm not certain. I am still trying to make sense of it all. The application I'm working with says: "Pedido de Visto de longa duração (residência e estada temporária)". So I am assuming that's "temporary residence".
The other challenge I can foresee is figuring out how to show I have lodging there... before I have lodging there.
I can reserve an AirBnB from here in the states, but not for more than 3 months. I have heard I may need to show a year's rental contract there as well.
So lots of Catch 22 situations. I'm sending the 'Help Line' emails, one question at a time.