CEF
Sprott Physical Gold and Silver Trust
stock NYSE ETF

For dividend you should avoid individual company stock. They occationally unexpected file for bankruptcy and and go out of business. If that happened you could lose everything. Also if the company cuts the divide or stops paying you have no way to compnate. ETF are bettered byecasethey hold a lot of companes so if one gores bankrupt ofr stops paying dividned you might not notice and the managers of the fund will likely replace that bad company quickly. if it is an actively managed fund... CEF are similar to ETF but they generally off yields that are little higher. Also if using a taxable acount focus on funds that generate qualified or ROC dividend which are taxed at lower rates.
I have QQQI a covere call fund. iT uses a trading stratagy that is very tax efficient due to ROC and has a 13% yield I alas have SPYI 11%,, KGLOD 11%. But you don't want to rely on only covered call funds for income. In a recession the dividned income will likely drop but how much is debatable. I prefer to not automatically reinvest the dividned. I prefer to reinvest the dividned income into other funds that don't use covered calls.
I also have conventional CEFs UTF 7% yield and UTG, 6.4%, and EMO 8% and I ha eoneETF PFF All are very reliable with stable dividneds.
All the above funds I have mentions pay montly dividneds and are tax efficient with either qualified or ROC dividends. In my Roth were taxes are not a concern I have ARDC 9% PBDC 9%, CLOZ 8% , PFFR 8%, JAAA 5.5% which are not tax efficient funds.
I currently have 5K a month from tdividend income in my taxable account Enpoug to cover all of my living expense. I would also recomend you look at Armchair income on youtube for more dividend fund ideas. He does very good reviews of fund that you might be interested.

UBTI is a problem for individual stocks that generate K-1. MLPs (Master limited Partnerships) are such companes. and individual stock MLPs should be avoided in IRA and Roth. Consult tax professional before selling. You might be hit with a large tax. The dividneds and selling can trigger UBTI. So plan this out and get an estimated of the tax you will have to pay if it is sold.
However note that is he owns a MLP ETF or CEF fund they don't generate K1s. ETF ad CEF are the legal owners of the stock they hold and they much deal with K-1 tax forms. The fund investor tower gets the regular 1099-DIV tax forms. so no K-1 issues.
Now it is not clear to me if you you have a ETF CEF or MLP Marathon oil does have a separate MLP, called MLPX. However I also found MLPX a global X fund that holds some MLPs. So you need to confirm what you have.
I personally have EMO a CEF in my roth that invests in MLPs. It has not caused any issues. MLP are nice bedacrt why are required to pay out most of ther earnings as dividneds. S the yield is higher But there are also BDC (Builds Development compares that also much pay dividends. But unlike MLPs other are no K-1 so no UBTI. But SEC has a bad rule that applies to BDC funds. These funds must add the expense of the BDCs they hold to the funds expenses. But the fund never pays the expenses of the BDCs. So BDC funds often list expense of 13% when there real expense are under 1% and are comparable to fees of ther funds that don't invest in DBC.
In my Roth I hav PBDC 9% yield for BDCS and EMO 8% yield ofr MLPs.

That is a myth. Yes there are some failing companes with high yields they they often go bankrupt quickly. Most companies are not required to pay a dividend. So most companies and give most of there profit to the executive and board of directors. and then there is very little left for dividneds. But in the US there are companies that are required to pay out 90% of there income. BDC are companes the loan money to businesses and provide adice to companies. They have yields of about 9% because they are required to pay dividned. MLPs are similar bathe they run oil and gas pipelines and refineries. so again the yield is high. MLPs typically pay dividend around 6 to 7%. These companes almost always pay in recession when many other companies are cutting the dividned.
But many investors avoid these funds for 2 simple reasons. ETF that invest in BDC are required to count the expense of the BDCs they hold as a fund expense. This a BAD SEC rule that results in ETFs like FBDC and PBDC and BIZD to list expense of about 13% while there real expenses are comparable to other ETF that don't invest in BDCs Also BDC are taxed as ordinary income. personally have PBDC in my roth.
For MLP the company structure generate K1 tax forms that create tax complications. And if you have an investment in your Roth that generate K1 tax forms you could owe taxes from activity inside you Roth. So many avoid these. But ETF and CEF that invest in MLPs don't generate K1 tax forms. But there expenses are a bit higher because of the extra tax work the fund has to do. I personally have EMO for MLPs in my roth and taxable account. The dividend are qualified.
Note many growth index funds avoid BDC and and MLPs simply to keep there expenses as low as possible.

I don’t have a fiduciary but I do know a good one that will actually listen to what you want him to do is very hard to find.
Last year I read a book called “Retirement Money Secrets” by Steve Selengut. It changed my mind about looking for a fiduciary as I have always done my own investing and why do I want to pay someone else 1% or more to do the same thing I do myself.
The RMS book is an easy read and details how investing using a quality pre-screened diversified portfolio of CEF and ETF funds that generate a steady stream on income every month means you can pay your bills, especially in retirement, and reinvesting the money you don’t use keeps your portfolio growing. He also has a paid community you can join where he provides his list of funds he invests in every month.
If you want to find out more about the author and the book go to https://steveselengut.com. You can also view a recent public webinar he gave from that website. I highly recommend anyone investing for income read his book.

Was my problem. I don’t see a growth story. I think it could end up trading like a bond at these prices, similar to what Verizon has been.
Not bad, but I’m also not in that stage of my investing career.
NEE I see a lot of potential from with the Dominion deal. CEG is another one I’m looking at that pays a paultry dividend, but I think has a good story behind it with its thumb on the nuclear pulse.
I’m considering putting in an investment into the utilities at maybe 50/50 NEE and AEP. UTG is a closed end fund I’ve been looking at as well with investments in Talen Energy, but at 10% of the fund I didn’t love having such a big AI play in the mix. Not to mention issues with leverage in a CEF.
I think more general utilities like NEE/AEP are safer in the long run with some upside from the AI boom
Don’t dig for gold, just sell shovels, you know?

Do you have a Roth IRA yet? Look into getting a brokerage account and buying PHYS, PSLV or CEF in it...and investment you can't make in a traditional 401k.