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Special Report's 2013 Portfolio Makeover Week

Morningstar's Christine Benz helps investors assess allocations, check their progress, target holes and overlap, and upgrade their holdings.

The numbers are remarkable.

It started in 2011, when the oldest members of the baby boom (those born between 1946 and 1964) reached age 65. At the time, Pew forecast that 10,000 of them would hit that age each day in 2011. And in 2012. And in 2013. And every year until 2030, when 18% of the population (up from 13% in December 2010) will be age 65 or older.