Age 73. Retired completely in 2007, after spending 46 years in teaching, government service and finally church administration. Undergraduate degree in history, master degrees in education, history, and business administration. Most work experience was as staff analyst for the Office of the Secretary of Defense. The photo is one of my grandson born two years ago. Goal: To increase our retirement income every year by 6-16% primarily through dividend growth investing using David Fish's CCC monthly spreadsheets, plus other income producing investing. 2014 investment income was $21,822, up 23.6% from 2013. Really surpassed my goal. Delivered at $24,000 in 2015. My wife and I don't need this income to meet our basic expenses. My pension is our stand-in for bonds. We let this income just grow by selective reinvesting and we spend it by transferring shares to our 7 grandchildren's UTMA educational accounts and for foreign travel. We also save cash in a short term bond ETF for emergency needs, house and car maintenance. To do this, I have removed most automatic reinvesting in our joint taxable portfolio, except for stocks from which I periodically transfer shares to my grandchildren. My IRA and Roth IRA accounts plus my wife's Roth IRA will remain on automatic reinvestment. Current portfolio is below. No formal training in finances or security analysis. Been an investor for 52 years, most aggressively since early 1999. Current Portfolio: Spend considerable amount of time managing and fine tuning our portfolios, which now consist of 42 dividend growth stocks, 5 closed-end funds, 3 ETFs, 4 REITs, 11 other stocks, for a total of 64 positions [down from 102], and 0 bonds. 39 of these are CCC stocks. Utilities: AEP, CMS, D, SCG, SO (and waiting for WEC, when price right) MLPs: None REITs: O, OHI, CLDT, HCP Consumer Staples: ADM, KO, KHC, MDLZ, NESTLE, PEP, PG, SYY, WMT Tobacco: MO, PM, RAI Consumer Discretionary: HAS, MCD, SBUX, TGT Telecom: T, VOD, VZ Financials: AFL, TRV Business Development Companies: PSEC, GAIN (selling PSEC) Energy: BP, CVX, KMI, XOM Health: ABT, ABBV, GILD, GSK, JNJ, MDT, MRK, NVS, PFE Industrials: CAT, EMR, GE, NSC Technology: AAPL, CSCO, GOOG, GOOGL, INTC, MSFT ETFs: DVY, SCPB (for income on cash) CEFs: KED, MGU, TYG My principle Seeking Alpha mentors are: Chowder, David Fish, and Chuck Carnevale, plus several others in specialty fields like REITS, MLPs, and Business Development Companies (BDCs). In my opinion, the best writers in this dividend growth investment area are Chowder and Mike Nadel, who started in the DGI strategy about the same time I did; Mike learns faster.