SCHD
Schwab US Dividend Equity ETF
stock NYSE ETF

VOO, VTV, SCHD, VXUS, SPMO. Much more bulletproof together

Substantial overlap, concentrated heavily into MSFT (Nearly 18% of your entire portfolio) and NVDA (About 13-14%).
No SCHD.

just $250 every 2 weeks $125 to each every 2 weeks pretty simple, the hard part is being dedicated and not putting my money on other ETF. Yes SCHD & SCHG can be very very boring to watch. its the boring ones that will payoff years from now...

Before you add a second ETF, run one check: have your individual dividend stocks beaten SCHD over the years you have held them, total return with the dividends counted? Most people never do that maths. Dividend picks tend to sit in the same sectors SCHD already holds, so they add work without adding diversification, and often trail the fund.
If they trail, the answer is not a third dividend product. It is a plain total market fund next to SCHD, because SCHD skips most of tech on purpose and that is the diversification you are actually missing. If they beat it, you have your answer too, and it is not another ETF.

How many of your individual positions are in SCHD?

It seems cherry picked but in comparison to holding there top 15-20, ur avg dividend increase YOY would be a consistent 7-8%+ vs this fund minscul +/-1%~ avg over the same time frame is pretty much my point.... regardless not everyone wants to be selectively stock investing...it has its place for wanting to be hands which for me had it paired with SCHD (for now) in 50% of my div m1 Pie.

That’s your best bet SCHD and 10-15 of your own dividend growth picks.

Been hearing the tariffs and tech bubble and the war were going to end the world forever, but we just keep hitting new all time highs. I just been going hard on value and international this year and the SCHD has been killing it. Diversification is your friend.

SCHD, VT, and the I hold some CC ETFs QQQI, SPYI, JEPQ

Want to like the fund & keep investing into ( along with SCHD) but given its track record with minimal to negative dividend/annual payout growth rate some years as of late past couple years ....seems pointless.
Understandably its in alot of low yield growth companies that will in long run make more money in capital appreciation (even tho same can be said just investing in large cap growth etf instead to chas even higher CA)...but in reference screening top 15\~ stocks (not including stocks that just started giving dividend (nvda/goog/meta etc))...avg dividend growth/annual payout increase is 7-8+% over past 3 years.
In short i just find it years of negative to very minimal dividend increase unacceptable given its tilt into companies that increase their dividend at a higher percentage.
Given im personally on the m1 platform, i find it better just create my own ETF(Pie) with SCHD 50%\~, screening these other dividend etfs like this one for stocks not in SCHS it to be a part of my dividend portfolio....which has been doing well for me so far since 2020 (in avgo, nee, low, tjx, bmi etc).

As a 24 year-old, SCHD is not worth your time... yet. Choose more growth ETFs

Bucket 1: SGOV, ~~CSHI~~
Bucket 2: GPIQ, ~~GPIX, QQQI, SPYI, IWMI,~~ MLPI, IYRI, ~~KGLD, OVL~~
Bucket 3: VTI, ~~VGT, VOOG, SPMO,~~ SCHD, ~~VOO, VEA~~

Started buying DGRO instead of VYM as my compliment to SCHD and FDVV. No complaints so far.

What are your savings that you can invest and salary? It is good to get started but you are on a clock if you only just started and don't have much to let compounding happen. You might need a risky tilt. It could be argued you wont see much compound gains. It doubles every 7 years... so maybe two doublings if you keep working while older. This might be one of the rare scenarios where you should start with dividend stocks early because growth wont have much difference. Being able to avoid selling might be good.
Roth - Growth stocks like SPMO. You need aggressive growth and can switch it later tax free.
Max the roth every year. At retirement, you can consider switching to income ETF's. QQQI or SCHD. Check google for drip calculators to figure out the numbers that match what you want in retirement. Can look for other etf's that do similar things too. General term is "INCOME ETF's"
401K - target date fund or VOO. different employers have restrictions so we don't know the options.
Brokerage - Probably a mix of SPMO and SCHD? You don't want to sell in the taxable brokerage if you can avoid it. SPMO will be better total returns. SCHD will pay you dividends where you wouldn't need to sell stocks. It also offers slight downside protection in a down market. SPMO will crash if the market goes down. You want to avoid selling when the market is down if you can.
I would generally recommend 6 months - 1 year of living expenses in cash saved to avoid most of the damage in a major market crash. You can save that when you get near retirement though.
Some people care about international. I don't but its true that sometimes international outperforms US stocks. Doesn't matter to me. I set my retirement income goal and just need to make sure my stock picks match that goal. Don't need to optimize.

FWIW, the mutual fund has outperformed SCHD over the last 5 years, 15% to 10%, because they made a call to go in on some AI names that were paying dividends like AVGO, HPE, and GLW. So this ETF does include some direct AI exposure that SCHD does not.

In calendar year 2026 SCHD has twice the total returns of the S&P 500... So there's that... All of my SCHD is in a taxable account...

There is no reason for a financial advisor until you are near retirement age. At that point, you want an advisor that charges a flat fee for a one time meeting to discuss a one time optimization plan for your account. Do not ever give them a percentage or commit long term. If you are poor, not much happens. If you are rich, the small savings you get don't matter.
If you are going to get 10 million, technically that's enough to retire now though. In a taxable brokerage -
* Stick 350K in QQQI, it'll pay a dividend of around 50K a year.
* Or if you go traditional, SCHD - Put all 10 million in that pays 292K a year. I don't know the base salary you want. You can adjust it and put the rest in a growth fund.
In both cases, you would never need to sell a stock. You don't need to worry about optimizing, tax lost harvesting or anything. Just pick your income bracket, set money aside for taxes and retire to the beaches.
**Oh - super important, do not tell anyone you have this money.** The knowledge always spreads. If people do know - Tell them its placed in a trust that only lets you withdraw 20K per year. Don't ever tell them how much is actually in it. Don't tell anyone you bought a new car and spend all your time at the beach. If you want to help people, invite them on a one time vacation. Do not ever help covering rent or anything. Even paying for someone else's education to be nice can turn into a fight/sense of entitlement to your money. If you want to be nice without showing off money, take turns doing things. You pay for the golf course and dinner this time. Next time go on a hike and they can pay entry ticket and bring home made food. Can subtly guide money flow that way. Buy concert tickets. Pretend you randomly got a buy one get one or won some event for free tickets. I have tons of frequent flier miles, do you want a plane ticket anywhere?
That will be 5 million as an advisement fee please. This is the standard rate/percentage. Don't think about it too much.

I think most of my stocks meet that criteria. MO (19%), SPYI (12%), BMY (7%), VOO (6%), CFG (6%), AMD (4%), AMZN (4%), PFE (4%), CVX (4%), and XOM (3%), along with other individual dividend stocks and income-producing investments. My approach is a combination of long-term growth and income rather than simply chasing the highest yield possible. I’m also starting to build up my position in SCHD.

Forty doesn't pick the weights; the date you need the money and your tolerance for ugly years do. I'd start with 80-100% VT, then give SPMO or AVUV 10% only if you actually want that tilt and can hold it when it looks stupid for five years. SCHD isn't automatically required because a birthday happened.

SCHD is a solid core holding, but I wouldn't make it your only ETF, especially at 54 when you're getting closer to needing this money. It scores really well on dividend quality and has a good price trend, and its risk score is low compared to most dividend stocks. But "low risk" for a stock ETF still means it can drop a lot in a bad year, it's not a bond substitute. It's also fairly concentrated in financials and industrials, so adding something with different sector exposure (like an international dividend ETF or a total market fund) would actually diversify you, not just add more of the same. Since you're already holding a bunch of individual stocks too, check your overall sector overlap, not just SCHD in isolation, that's usually where people get surprised. You can check scores on dividend research platforms to see how correlated your current picks already are before adding more.