Retirees have a lot to balance when investing. If you're one of them, not only do you have to make sure to protect your capital to cover short-term expenses, but you also have to make sure your investments are generating income and delivering growth for the long term. In other words, it's a difficult mix of balancing your needs for today, and for tomorrow. So we asked three Motley Fool contributors who've spent years researching and writing about dividend stocks to give us their top dividend stocks for retirees.