Approaching retirement is an exciting time for most people. Spending time thinking how you will live out your “golden years” is something that we all look forward to.

You’ve worked hard for many years to accumulate and grow your wealth. Now is the time that you depend on that wealth to get through retirement, which could last 30 years or more!

Ideally, you want your portfolio to start producing enough dividend and interest income to fill the gap between income from social security and any possible pensions you may have and what your expenses will be during retirement.

How quickly things change! As I write this update, we are within a hair of the all-time highs for the S&P 500.