Marc Geels discusses the critical importance of having a written financial plan as individuals approach retirement, especially in light of the significant number of baby boomers reaching retirement age, referred to as 'Peak 65'. He emphasizes the need for diversified income streams beyond Social Security, the rising costs of healthcare, and the importance of planning for long-term care. Mark introduces the concept of time segmented distribution as a strategic approach to managing retirement income, and he encourages younger generations to learn from the experiences of boomers to better prepare for their own financial futures. To learn more visit EFS4U.com or call 712-224-4651