I made some structural changes to both this web site and my portfolios over the past few weeks. Nothing dramatic happened on the buying or selling side. The changes were administrative and organizational and they better reflect where I am at this stage of life.

The biggest change was consolidating my Medium Yield and High Yield portfolios into a single Taxable Income Portfolio. Originally, those accounts existed separately because they were created at different times and for different purposes. The Medium Yield portfolio was held in an individual brokerage account under my name, while the High Yield portfolio existed in a joint account shared with my wife. Keeping them separate made sense at the time, but over the years it started creating an artificial divide in how I looked at our overall income strategy.

Now that I am fully retired and my wife has started receiving Social Security benefits, simplicity has become more valuable than maintaining separate portfolio labels. The consolidation gives me a better understanding of total household income, diversification, and risk exposure.

By consolidating the portfolios, I now have a much clearer picture of our income stream. It is easier to evaluate sector concentration, position sizing, and overall yield when everything is viewed as one cohesive taxable income portfolio instead of multiple fragmented accounts. It also makes ongoing analysis substantially easier because I no longer have to mentally combine separate spreadsheets, reports, and income projections just to understand where I stand.

All of the portfolio pages on the site have been updated to reflect the new structure. You can find them in the drop down menus above.