Although 2025 marked the numerical peak of Peak 65, a historic demographic shift of Americans reaching age 65, the retirement-planning wave is still building. More than 4.1 million Americans are expected to turn 65 each year through 2027, or more than 11,200 people per day.

That means millions of households are approaching decisions about income, Social Security, Medicare, taxes, and portfolio withdrawals within a relatively short timeframe.