Equity Mates Investing Podcast Ask an Adviser: Make work optional with passive income - Matt Ingram
15 snips
Feb 2, 2026 
Matt Ingram, a financial adviser at North Haven Financial Management who guides clients on passive income and asset allocation. He cuts through passive income hype. Short takes on dividend ETFs, bonds, covered calls, private credit and property. Practical timing advice on when to prioritise income and how to build a deliberate income portfolio.
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Passive Income Is About Total Return
- Passive income is essentially about making money when you stop working and it's a core financial goal for many clients.
- Matt frames it as ensuring the right total return (growth plus income) within risk tolerance.
Younger Investors Want Passive Income Sooner
- Younger investors often want passive income earlier and expect earlier retirement ages like 55.
- That optimism shifts with age as career satisfaction and responsibilities change.
Prioritise Big Financial Milestones First
- Prioritise major life goals before chasing passive income, like buying your family home.
- Don't accumulate income assets if pressing priorities (mortgage, kids) need funding first.