Retirement funds are set aside and looking to shut down my work load this year. I've been a 1099 independent contractor for my career so my savings/investments represent my retirement. I do have some alternative investments producing income as well and will take SS in the next 18 months. What strategy should I consider for income production with minimal risk to principle of holdings. Latest move has been to bonds, treasuries and cds. Most are short term, less than 12 months. I also have some focus equities with dividends. I will be pairing back on some equities that I consider marginal. Is laddering cd's, bonds and treasuries a strategy I should consider for the majority of the holdings or maintain equity positions in certain select stocks? 3-5% return is fine (subject to future inflation), anything over is gravy….I'm trying to avoid a melt down in the market as I still am over 50% on the equity/mutual fund side and I will be meeting with my advisor in the near future to discuss.

TIA and GigEm

JEPI would be something to consider for exposure to equities with less risk.