The popular dividend ETF is a total package that can have a positive financial effect on any retiree's portfolio. Your financial plans change in retirement, when those paychecks stop and you begin depending on your hard- earned retirement savings to pay your living expenses. Some people slowly withdraw their savings, often selling their investments to generate that income. That's fine, but I prefer companies that pay dividends. They reward shareholders for owning their stock, allowing them to realize divide ...