Running a business comes with both risk and reward. As your success grows, so does the need for the right structure.

We help small and medium business owners protect their personal wealth, reduce tax and plan ahead with clarity. The right setup keeps more of what you earn, safeguards what you have built and creates a clear path for when it is time to step back or pass it on.

Your Money Your Life

Managing your business and personal wealth efficiently

Choosing the right structure

Company, trust, partnership or sole trader — the right structure affects your tax, control, and personal asset protection. We assess what fits best for your goals and risk profile.

Protecting your personal assets

We separate business risk from personal wealth — using smart structuring to safeguard your home, investments, and family assets from potential business liabilities.

Tax-effective profit distribution

We design income-splitting and dividend strategies that align with your goals, reduce tax, and keep cash flow predictable.

Business exit and succession planning

Whether you plan to sell, bring in new partners, or hand the business to family, we help you create a roadmap that balances tax, timing, and emotion.

Buy-sell and key person insurance

We put protection in place to cover the loss or departure of key people — ensuring the business (and your family’s wealth) are protected if something unexpected happens.

Transition planning

Thinking about stepping back gradually? We’ll model how and when to extract profit, sell down equity, or shift to a passive role — without jeopardising business value.

Coordinating with your accountant and lawyer

We handle the strategy, your accountant manages compliance, and your lawyer handles documentation. Together, we make sure your plan is watertight.

Who business structuring and succession planning is for

This service is for you if you’re:

  • A small-to-medium business owner wanting to reduce risk and protect your personal wealth
  • Considering bringing in partners, family members, or key staff into ownership
  • Planning to sell your business within the next 5–10 years
  • Wanting to extract profits or step back without triggering a tax headache
  • Building wealth across business, property, and personal assets and want them structured properly
business structuring and succession planning

Business Structuring & Succession FAQs

Ideally 3–5 years before you plan to exit — but earlier is even better. The more time you have, the more flexibility you have around timing, tax, and price.

It depends on your income, family situation, and future plans. Companies and trusts each have advantages — we model different options so you can see the financial impact before making changes.

Possibly. The small business CGT concessions and roll-over provisions can allow you to restructure or transfer assets with minimal tax impact if the criteria are met. We’ll guide you through what applies.

By separating ownership. This usually means holding the business in one structure and personal assets (like your home) in another, with minimal cross-guarantees.

Without a clear plan, your family or business partners can be left in limbo. A buy-sell agreement, backed by the right insurance, ensures funds are available for a smooth transfer of ownership.

They can — but the key is planning. We help you balance fairness, capability, and tax implications so family transitions don’t cause family tension.

Yes. Understanding what your business is worth helps you plan the timing of your exit and identify what improvements could boost value before sale.

Each option has very different tax outcomes. We’ll work with your accountant to compare both and recommend the most tax-efficient approach.

Since 2009, we’ve helped business owners protect, grow, and eventually transition their wealth — turning years of hard work into lasting financial freedom.

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