1. The author proposes a 50/50 retirement portfolio strategy using ETFs to balance growth, income, and diversification for reliable cash flow; 2. Four ETF categories are recommended: dividend growth (CGDV), high-quality dividend income (SCHD), covered call strategies (DIVO/JEPQ), and midstream infrastructure (AMLP); 3. The portfolio targets a 5.5% average yield with flexible allocations to adapt to growth, income, or risk preferences, emphasizing customization and safety for evolving retirement needs.

1. QQQI delivers a high, stable 14% yield with no net asset value (NAV) decay, outperforming peers and the S&P 500; 2. Its data-driven options strategy on the Nasdaq-100 generates consistent monthly income and captured 98% of QQQ's returns in the past year; 3. Unlike competitors, QQQI has grown NAV while maintaining payouts, avoiding capital erosion, and offers tax efficiency for income-focused investors, particularly retirees.

1. PDI offers an exciting opportunity in the fixed-income market with appreciation and a 13.26% yield despite market volatility; 2. PDI has consistently distributed income, generating 164.13% of its initial share price in income since inception; 3. Risks include potential underperformance, currency fluctuations, and default risk affecting PDI's NAV.

1. Dividends are a highly reliable source of passive recurring income; 2. Effective planning is essential for a wonderful retirement; 3. The author collects substantial dividend income and shares insights on how readers can do the same.

1. Combining ETFs and individual companies offers benefits for investors aiming to balance dividend income and growth; 2. The September 2024 Top Dividend Picks Portfolio has a weighted average dividend yield of 3.92% and a 5-year weighted average dividend growth rate of 9.62%; 3. The portfolio includes top 10 high dividend yield companies, five dividend growth-focused companies, and SCHD.