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.