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retirement portfolios, can be dependent on your needs for cash. locking money away in individual bonds, probably ill advised. might check with your brokerage account for a meet with a cfp(certified financial planner)- note some are offered free depending on account perks-probably best to start there first then do research on their recommendations before moving forwards, I find doing it myself is fun to do now that I am retired, I don't ask others for money(why do I want to give my money to someone else). I do it myself (it gives me something to do- with my added time- CNBC junkie- couch potato).
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