Marc Lichtenfeld
Marc is the Chief Income Strategist of The Oxford Club. After getting his start on the trading desk at Carlin Equities, he moved over to Avalon Research Group as a senior analyst. Over the years, Marc’s commentary has appeared in The Wall Street Journal, Barron’s, and U.S. News & World Report, among others. Prior to joining The Oxford Club, he was a senior columnist at Jim Cramer’s TheStreet. Today, he is a sought-after media guest who has appeared on CNBC, Fox Business, and Yahoo Finance. His book Get Rich with Dividends: A Proven System for Earning Double-Digit Returns achieved bestseller status shortly after its release in 2012.
Marc is the Senior Editor of The Oxford Income Letter, which is based on his proprietary 10-11-12 System. He is the Editor of Technical Pattern Profits, Trigger Event Trader, and Weekly Income Alert.
How often are you asked the question “Are you ready for retirement?”?
If you don’t get that question a lot now, chances are it will occur more and more frequently as you approach that age.
The thing about retirement is you never know how long it will last.
The good news is that you could live a lot longer than expected. The bad news? You may not have as good of a financial plan as you think.
This means you could run out of money in retirement.
There are a lot of factors that determine how long you’ll need your money to last. Two big determinants are your physical health and when you officially leave the workforce.
Let’s say you retire at 65 and live until you’re 92. That means you’ll have to fund 27 years of retirement.
Think about that for a second… 27 years without a “dividend check.”
Let’s Do a Little Experiment
How much do you think it will or has cost you to live from age 38 to 65? Granted, there are some costs that go away with time, but others take their place.
For example, the average 65-year-old retired couple probably doesn’t have to support their kids anymore, but what if they expect $300,000 in healthcare costs?
That’s just over $11,000 per year for 27 years.
And according to the Federal Reserve’s Survey of Consumer Finances, people between the ages of 55 and 64 have a median of about $185,000 saved.
That means the typical person is about $115,000 short of covering just their healthcare costs.
So how will these people make up the difference? Before you go into a panic, there is a solution.
How to Earn a “Dividend Check” Every Month With the “Dividend Income Machine”
What is the “Dividend Income Machine”? In short, it’s a way to pocket sizable income every single month.
It’s a portfolio of 12 dividend-paying stocks that can increase your income leading up to your retirement and provide steady payouts during your retirement years.
With just a $10,000 investment into each position, you’ll bring home an extra $3,143 this year. The best thing about these stocks is that they’re all Dividend Aristocrats… which means they’ve consistently increased their annual dividends over the last 25 years or more.
By investing in each one of these picks, you’ll be guaranteed a “dividend check” each month. And that amount will increase as each year goes by and these companies increase their dividends.
It’s like getting a raise every year!
In addition to the minimum of 25 years of increasing their dividends, Aristocrats must also be members of the S&P 500 and meet certain size and liquidity requirements.
These are all well-established companies. You should recognize most – if not all – of the ones we list.
The Dividend Income Machine Calendar
Each stock is listed under one of the four months in which it pays a dividend. This does not mean we recommend buying the stock in that month − in order to get the full benefit of the Dividend Income Machine, you would buy all 12 stocks upfront at the same time.
Every dividend-paying stock has an ex-dividend date – the date by which investors must own the stock in order to receive its dividend. It’s generally between two and four weeks before the payout date.
The quarterly dividend payments, total annual payouts, and dividend yields stated below are based on the most recent quarter.
Let’s dive in…
January
Our first pick is Walmart (NYSE: WMT).
Its dividend payments are made in January, April, May, and September for a total of $0.94, or $0.235 per quarter.
Walmart operates retail stores in various formats worldwide. It runs approximately 10,750 stores, as well as numerous e-commerce sites, in 19 countries.
The company has produced a slow and steady dividend growth rate of roughly 8% over the last 20 years with 53 consecutive years of dividend growth.
The current yield is 0.74%.
February
Our next pick is Air Products and Chemicals (NYSE: APD).
Its $1.81 quarterly dividend payments are made in February, May, August, and November for a total payout of $7.24 per year.
Air Products and Chemicals produces and sells atmospheric and specialty gases. It offers a variety of gas products such as oxygen, nitrogen, helium, and hydrogen to a wide range of customers around the world.
It has raised its dividend for 44 consecutive years.
The current yield is 2.57%.
March
Rounding out the Dividend Income Machine’s first quarter is Target (NYSE: TGT).
Target pays shareholders a quarterly dividend in March, June, September, and December.
It has increased its dividend for 54 consecutive years, and in 2025, it raised the amount again to $1.14 per share each quarter, or $4.56 per share each year.
The company operates as a general merchandise retailer. You’ve likely shopped there – or, at the very least, passed it in your travels.
Target is a longtime Dividend Aristocrat and is committed to increasing its dividend every year.
The current yield is 3.94%.
April
Now let’s turn to The Coca-Cola Company (NYSE: KO).
Its dividend payments are made in April, July, October, and December for a total of $2.04 per year, or $0.51 per quarter.
Coca-Cola manufactures and distributes various nonalcoholic beverages worldwide.
The company has raised its dividend by more than 15% over the last three years.
It has steadily increased its dividend for 64 consecutive years.
The current yield is 2.57%.
May
Next up is Colgate-Palmolive (NYSE: CL).
Its dividend payments are made in February, May, August, and November for a total of $2.08, or $0.52 per quarter.
Colgate-Palmolive manufactures consumer products worldwide and sells them in more than 180 countries and territories.
The company has 63 consecutive years of dividend growth.
The current yield is 2.18%.
June
To end the first half of the year, we’ll examine Johnson & Johnson (NYSE: JNJ).
The company distributes $1.30 quarterly dividend payments in March, June, September, and December for a total of $5.20 per year.
Johnson & Johnson researches, develops, manufactures, and sells various products in the healthcare field worldwide. Your medicine cabinet likely contains many of its products.
The company has increased its dividend by more than 28% over the last five years.
It has raised its dividend for 64 consecutive years. The current yield is 2.12%.
July
Moving on, we have Kimberly-Clark (NYSE: KMB).
Its dividend payments are made in January, April, July, and October for a total of $5.12, or $1.28 per quarter.
Kimberly-Clark manufactures and markets personal care, consumer tissue, and professional products worldwide. It sells household products directly to supermarkets, mass merchandisers, drugstores, warehouse clubs, variety and department stores, and other retail outlets, as well as through other distributors and e-commerce businesses.
The company has grown its dividend amount by 20% over the last six years.
It has raised its dividend for 54 consecutive years.
The current yield is 4.66%.
August
Next on our list is Abbott Laboratories (NYSE: ABT).
Abbott recently raised its dividend by nearly 7% and will pay shareholders $0.63 dividends in February, May, August, and November for a total of $2.52.
The company discovers, develops, and manufactures a broad line of healthcare products and services. Its products include pharmaceutical, nutritional, diagnostic, and vascular products, and it markets these healthcare products worldwide.
Abbott has increased its dividend for 52 consecutive years, and over the last five years, it has raised the distribution amount by 40%.
The current yield is 2.22%.
September
Then we have Exxon Mobil (NYSE: XOM).
Exxon makes quarterly dividend payments in March, June, September, and December. In 2025, it raised the quarterly amount to $1.03 for a total of $4.12 per year.
Exxon Mobil explores for and produces crude oil and natural gas all over the world.
It also manufactures and markets petrochemicals, including olefins, aromatics, polyethylene and polypropylene plastics, and specialty products, and it transports and sells crude oil, natural gas, and petroleum products.
The company has increased its dividend by more than 18% over the last five years, and it has been increasing the dividend for the last 43 years.
The current yield is 2.73%.
October
To start out the last quarter of the year, we have McCormick & Co. (NYSE: MKC).
Its $0.48 quarterly dividend payments are made in January, April, July, and October for a total of $1.92 per year.
McCormick manufactures, markets, and distributes spices, seasoning mixes, condiments, and other flavorful products in the food industry.
It has increased its dividend for 40 consecutive years, and over the last nine years, its dividend payouts have more than doubled.
The current yield is 2.74%.
November
Then there’s Procter & Gamble (NYSE: PG).
The company pays quarterly dividends to shareholders in February, May, August, and November for a total of $4.23 per year.
Procter & Gamble is the largest consumer goods company in the world. It manufactures and sells branded, consumer packaged products with brands like Bounty, Gillette, and Febreze.
Its dividend has grown by more than 15% over the last three years.
The company has raised its dividend for 69 consecutive years.
The current yield is 2.69%.
December
Finally, to close out the year, we have McDonald’s (NYSE: MCD).
Its dividend payments are made in March, June, September, and December for a total of $7.44 per year, or $1.86 per quarter.
McDonald’s operates and franchises restaurants worldwide, offering various food products, soft drinks, coffee, and other beverages. It currently operates roughly 40,000 locations in over 100 countries.
The company has raised its dividend by more than 44% over the last five years and has grown its dividend for 49 consecutive years.
The current yield is 2.27%.
Start Your Dividend Machine Today
There are a few “dividend checks” waiting to be collected over the next few weeks. The sooner you get started, the sooner you can start collecting.
Below, we’ve put together a chart showing you exactly how much you’ll make each month if you put $10,000 into each position… for now. Remember, these companies increase their dividends every year, so you should be receiving a “raise” soon.
If you missed this month’s payments, be sure to collect each payment going forward.
Don’t let another moment pass without the Dividend Income Machine helping you collect those extra “dividend checks” and setting you on the path to a wealthy retirement.
Good investing,
The Wealthy Retirement Research Team
