Just a simple, self employed (no pension plan here) average Joe who is trying to build a retirement portfolio to support me for 40 years of retirement. I seek to build this through combinations of high quality companies with a history of growing their dividends at a rate equal to or greater than MY EXPECTED rate of inflation. Retirement is nearing now, it is currently October 2014, I expect to sell my small company and call it quits in the next few months. My income is going to be dividends paid on my stock holdings, I am approaching 50yo, so SSI is still several years away. I am financing buyer of my business, if he succeeds, I too will do well, and succeed he should as he has been an employee of mine for 8 years (1 of 2 employees) and I have taught him all he needs to know. But alas -I am too young to hang my hat on his success, and too old to re-enter a job market, so my stock dividends are what MUST keep me going. So it is now Sept 1st, 2015 -escrow has closed on my business, I am officially un-employed, and since I am 50 years old, I guess officially retired senior, genuine AARP card carrier! For the first time in a long time, my source of income is generally out of my hands. Hopefully, I have invested well, for it is the dividends that keep food on my table from here on out. Current holdings: T, CTL, VZ, WMT, GE, JNJ, GSK, KMI, NS, BBL, SOUH, XOM, BP, CVX, COP, PSX, IBM, INTC, QCOM, CSCO, MSFT, UPS, KO, MCD, BAC, FNFG, JPM, HOG, GM, F, CLNY, RPM, & TRV Late Sept, 2015 -added DOW to above Early Nov, 2015 -added M, MW, KSS and ADM to above. Expect to trade out of M & MW in 1st quarter 2017. I RARELY sell, and for the rest of 2015 will remain in accumulation phase as I have some capital. Start of 2016 will probably be just manage portfolio stage. Good luck to all, and keep saving/investing!