Bob is retired from a career in law enforcement including more than 20 years as an instructor of Investigative Interviewing. He is a Dividend Growth investor using dividend yield from low beta stocks for income and preservation of capital. Bob has self managed his portfolio since early in 2011. He hopes to encourage discussion among those already in retirement and receiving income from their portfolios particularly those facing or about to face Required Minimum Distributions (RMDs). Bob is a stronger believer in having developing a personal portfolio business plan. He restricts his equity investments to stocks to those with investment grade credit of BBB or higher. He believes in set percentage caps when investing in non-defensive sectors. Bob believes it is important to invest in holdings that are recession proven.