The future is upon us. The leading edge of the baby boom cohort turned age 65 last January. They are among the first of the nearly 78 million Americans from the baby boomer generation (those born between 1946 and 1964) to reach their golden years. Distinguishable by the dramatic increase in birth rates and prosperity following World War II, the baby boomers are part of one of the largest and perhaps, most celebrated generations in U.S. history.