Our office is centrally located in Coolangatta/Tweed Heads making it convenient and easier for all our Gold Coast and Northern NSW clients to get to.

For more information, or to book your FREE no obligation initial consultation with a Certified Financial Planner please call us, send us an email, or simply fill in the form below.

Investing for Income

You’ve worked hard to build your wealth and now it’s time to make your money work hard for you. Here’s a step by step guide to build a plan to help you maximise the income you receive from your investments.

Step 1 – Choose your structure(s)

For most people, the structures they hold their investments in will have the greatest impact on the amount of income they receive. The structure you use (such as superannuation, account-based pension, annuity or family trust) will determine the amount of tax you pay or, if you are retired, the Centrelink benefits you receive. A professional financial adviser can work with you to structure your investments to maximise your after-tax income.

Step 2 – Create an asset allocation strategy

The next step is to determine your attitude to risk – how much you are willing to ride the ups and downs of investments. Your financial adviser can help you understand your risk profile and work with you to build an asset allocation strategy in line with your attitude to risk.

A well diversified portfolio is as important when you are drawing an income from your investments as when you are building your wealth. In the past five years, many investors have turned to the safety of term deposits to generate the majority of their income. In 2009, when the average three year term deposit paid around 7% interest per year, that was very attractive. With the average term deposit now paying around 4.45% interest, people are beginning to diversify their allocation to assets such once again such as shares that pay large dividends, residential and commercial property and fixed interest.

Step 3 – Choose your individual investments

The final step to your passive income plan is to choose the individual investments in line with your structure and asset allocation strategy. This may involve investments such as shares, managed funds individual properties. At this point, it is worth seeking the advice of a professional stock broker, property adviser or financial adviser to bring your investment portfolio to life.


Our Blog


  • It’s great to have a company, like Oak Tree Financial Planning, that really care about you . Big or small, their commitment is the same. Such a great feeling to be able to trust that they are honest and trustworthy. Highly recommended! ...
    -Kate and Brian, Gold Coast QLD, Nov 2017

  • The personal and professional manner in which Daniel Miklos from Oak Tree Financial Planning conducted our annual financial reviews has been a refreshing experience compared to other financial institutions. We have referred Oak Tree Financial Planning to others. They too have been impressed with the professional and caring way Daniel has ...
    -Phyllis and Ed, Central Coast NSW, July 2017

  • Daniel, from Oak Tree Financial Planning, has been supporting us with financial advice for 4 years now and he has been absolutely professional, supportive, timely and all round has helped us achieve our financial goals. ...
    -Maria and Allan, Bribie Island QLD, Oct 2017

  • I have been doing business with Daniel and the team at Oak Tree Financial Planning for the last two years, and I am very happy with their services. ...
    -Julie, Hastings Point NSW, Oct 2017

  • Highly recommended Daniel and Karen and their team from Oak Tree Finanical Planning. Their honesty, professionalism and financial planning skills has been so valuable to our family. They will help you asses your current financial position and work with you to achieve your goals for the future and build your ...
    -Tahlia and Cory, Tweed Heads NSW, Sept 2017

  • Daniel, thank you so much for all your help with our financial advice. We definitely value all the advice you have given us and have loved dealing with Oak Tree Financial Planning.  I would definitely recommend your services to others. ...
    -Anna and Adam, Brisbane, Feb 2015

  • We are extremely happy with the service that Oak Tree Financial Planning has offered us. Within 3 years they showed us how we could afford 2 investment properties without it affecting our current lifestyle. I don’t think we would be in our current position without their help. They took the time ...
    -Lloyd and Michelle, Canberra ACT, Sept 2015


Sign up today and become an Oak Tree Financial Planning Member to receive our monthly e-newsletter, handy financial tips and tricks, regular market updates and commentary and exclusive member only offers. It’s FREE to join.