Hi Feldema:  Thanks for your question.  Do you have a dxa scan coming up, or do you have to wait for insurance reasons?  I ask because if you were to have another scan soon, you could find out if your scores have improved on just the supplements alone.  You're taking the recommended amounts on the supplements and exercising so that should help, but it's impossible to say if those things alone will drastically improve your scores.  These things are very important and will help, but I don't think anyone could say how much help it will provide since we are all so different and react at different rates to these things.  Just check your next dxa and see how you are doing.  If your scores don't go up a lot, you *may* want to consider adding another treatment.  See Phyllis' posts on Strontium Citrate, you may like to read about that, she has more than this one, so look for them.

If you've stopped the HRT, you *might* see a slight decline in bone density, since the hormones help build bone, but you also might be one of those that doesn't react that fast either and your scores could be better or the same. 

General dieting and exercise sounds like a suitable way to loose some weight, but again if you've stopped the HRT, it may just come off anyway from stopping it.

Good luck and I hope your dxa scores improve.