I am retired from the federal workforce where I spent my career as a financial manager/controller and provided personal financial education. I have been an investor for my entire adult life but much more active over the last 20 years. I am an income investor with an emphasis on CEFS. I have a diverse portfolio that balances yield with overall portfolio risk. I balance off risk oriented CEFS and Mreits with Bond ETFS and a stable value fund. All of my investments give me income.