DIY Investor using Mutual Funds, ETFs, Corporate Bonds / Bond Ladders, stocks of Dividend Growth companies. Portfolio - T, MO, AEP, CLX, ED, DUK, GIS, KMB, KO, KHC, LEG, PM, PEP, PG, SO, VZ, JNJ, VWELX, VWINX, VGHCX, VDIGX, SPHD, Individual Corporate Bonds (Laddered). 67% stocks, 33% Cash & Bonds - starting allocation for 2016. Collecting SS. Staying conservative. If you look at this and see anything that could be improved, replaced, swapped... Let me know.