You are correct I am an investment advisor. I guess my questions gave me away
You being retired throws a twist and reduces flexibility to reduce your MAGI.
Im guessing you have a substantial Non Qualified portfolio taxed as 1099 Inc for dividends and capital gains.......especially dividend producing stocks.
What is your yearly growth expectation (reward) AND market loss comfort (risk)? Your investment holdings seem to be at least Moderate Aggressive ( Growth) or Aggressive ( Capital Appreciation).
A diversified portfolio matched to your Risk/Reward is good thinking.
I don’t think munis are a fit for your growth expectation, so that should be eliminated.
Sent from my iPad using Tapatalk
Dividends versus limited or no dividend growth stocks. The kicker being that the growth stocks you pick must grow and you must harvest the gains at the right time. I managed my kids college funds and between the late 90's until they were going to college those funds saw 3 huge stock declines. Luckily, the kids were always able to wait until they recovered to pull funds out. I about crapped my pants during the great recession, that was just absolutely brutal.
So, a dividend fund that just pays out and gets partially reinvested appeals strongly to me.