There is a common refrain you will hear among anglers throughout the year that takes on a little more importance as we get into the late fall: To find fish, you need to find structure.
As water temperatures plummet, it is a common tendency of fish to school together. This is not any sort of group heating ritual, however, but rather a concerted effort to not let good food sources go to waste. When you find a school of game fish, it is generally because there is good access to bait in the general vicinity.