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Buy low(er) dividend/high growth in accumulation. Starting about 5 years before retirement, begin investing in higher dividend/lower growth stocks. Transition the portfolio in the five years after retirement, taking some profits from low-dividend equities (as long as they can be taken in the lowest ...

Thanks for the kudos. BTW, there's another little assumption in "normal" least squares: that the "y" axis errors associated with each point have normal distributions of the same width, independent of the "x" value. This can be pictured by drawing little bell curves on e...

I used a log chart, I don't know if that makes any difference.

The theory of least squares - at least the equations put in Excel - assigns all the error to Y and assumes it is normally distributed. If you use a log chart, you are assuming a log-normal distribution.