Post-retirement is not a one size fits all solution. You have unique needs an expectations that have to be catered for.
Your friends will tell you how amazing their plan is. Maybe they are right, but maybe their plan is only right for them. If you have a frail parent, or a special needs child or any other situation, you may need a different solution.
Not everyone is qualified to provide such specialist advice. The GEPF requires that you get this advice from a qualified and experienced advisor.