Acting as a Retirement Planning Specialist, create a detailed financial plan for a client who wants to retire early, at 55 years old. Assess their current savings, retirement accounts, and investment portfolio. Provide strategies for accelerating savings, optimizing asset allocation, and managing healthcare costs post-retirement. 
<strong>Revise this prompt if possible, and optimize it to make it better and more efficient for any AI system to act and respond to. 
If possible run your optimized version.</strong>