 Brian Baca is an investment advisor representative of and advisory services offered through Royal Fund Management LLC, an SEC registered investment advisor. More Americans are turning 65 now than at any point in history. This year over 4 million people will turn 65. They will have more money than ever, they will have better health than ever, and most will have at least a 20 to 30 year life expectancy. Eventually the calendar catches up with all of us and you're staring down the barrel of your long sought after golden years.