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574            <h1 class="font-heading2 blog-post-sidebar__title"><span id="hs_cos_wrapper_name" class="hs_cos_wrapper hs_cos_wrapper_meta_field hs_cos_wrapper_type_text" data-hs-cos-general-type="meta_field">Your business has changed. Has your structure?</span></h1>
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578<div class="blog-summary">
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580        
581            <h4 class="blog-summary--heading">In this article, we explore:</h4>
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584            <ul style="list-style-type: disc;">
585<li><!-- [if !supportLists]--><!--[endif]--><span>Your business structure is not set and forget.</span></li>
586<li><span></span><span>Business growth can have significant implications on taxation, risk exposure, and personal wealth.</span></li>
587<li><span></span><span>Any major change in the business environment (e.g. legislation), in your personal life, or within the business itself should prompt review.</span></li>
588<li><span></span><span>The earlier you review your structure, the more options you have on the table.</span></li>
589</ul>
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608                <span class="meta-label font-small">Date</span>
609                <time datetime="2026-09-24 21:00:00" class="meta-value font-copy">
610                  September 24, 2026
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665                      <div class="author-name font-copy">Natalie Macdonald</div>
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704                <span class="meta-label font-small">Read time</span>
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794          <div class="blog-post-content__body font-copy">
795            <span id="hs_cos_wrapper_post_body" class="hs_cos_wrapper hs_cos_wrapper_meta_field hs_cos_wrapper_type_rich_text" style="" data-hs-cos-general-type="meta_field" data-hs-cos-type="rich_text"><p>We need to change the way we think about business structures.<br><br>Too often, business structures are treated as if they are built structures: A bridge is constructed once and aside from a little cosmetic maintenance here and there, the day one product tends to stay more or less the same for the next 50-odd years. It’s not reconstructed every time there’s a major change in vehicle design or an uptick in traffic volume.<br><br>This mentality might work for construction, but business structures aren’t meant to be cemented in the same way, literally or figuratively.<br><br>When you first establish a business, you build a structure that is fit for purpose at that point in time, taking into account its size, assets, ownership arrangements, embodied risks, and commercial objectives.<br><br>However, the variables that determined its initial set-up are exactly that—variable. Over time, the shape of a business and the environment it exists within, changes.&nbsp;<br><br>In the growth phase, businesses typically expand on headcount and assets, along with the overheads needed to support both. We see them make acquisitions, extend to new sites, and tap into new markets. And all the while that work is being done, life happens. Family structures and succession plans take on new shapes. The terrain shifts in the external environment too, as legislation reforms unfold across the business landscape.<br><br>All of this growth and change can mean that the structure that once fit so well 5-10 years ago is now under strain, dappled with weak points that expose you to risk.<br><br>Contrary to popular belief, an accountant’s role isn’t just to crunch the numbers. As much as we’re in the details, our big-picture focus is supporting our clients to <a href="/building-wealth" rel="noopener" target="_blank">build wealth</a>, <a href="/protecting-wealth" rel="noopener" target="_blank">protect assets</a>, and achieve their goals for the future. How your business is structured has a massive bearing on each of these areas, for better or worse.&nbsp;</p>
796<h6><span style="font-weight: bold;">When a structure that is made to help, can start to hinder.</span></h6>
797<p>Despite business owners’ best wishes, business structures don’t announce when they are no longer fit-for-purpose and require reconfiguring. And there is no one way an ill-fitting structure presents itself. Depending on how your circumstances have changed, the symptoms can show up in a whole number of ways, including but not limited to:</p>
798<p style="font-weight: bold; padding-left: 40px;">1. &nbsp; &nbsp;Your tax bill growing disproportionately with the business</p>
799<p>Far and away, this is the symptom that most compels business owners to take action and review their structure. Unlike many of the other, quieter ways that an outgrown structure might present itself, like higher exposure of your personal and business assets, the rising tax bills hit business owners where they feel it hardest—in their back pockets.<br><br>Those that find themselves in this scenario are facing the challenge of having higher profits but not seeing that translate into greater financial returns.<br><br>To put this into perspective, let’s say that a trust worked well for a business when profits were modest, but now that the business has grown with profits alongside, it’s no longer as tax efficient as it once was. So despite the business performing better than ever, your structure is restricting the flow of return.</p>
800<p style="padding-left: 40px;"><span style="font-weight: bold;">2. &nbsp; &nbsp;Realising that you’ve got too much at stake should something go wrong in the business</span></p>
801<p>When growth is healthy and sustainable, it doesn’t happen overnight. It’s a gradual process. You start a business, you put your all into that business, and slowly but surely, you begin accumulating assets.<br><br>Because growth is incremental and asset accumulation is an inherently positive thing, it’s easy to fall into the trap of putting all your focus on building wealth, at the cost of protecting it.<br><br>We see this often in businesses that over time, have allowed cash reserves and other valuable assets to build up within their trading entities. The problem is that if you are holding business assets in your trading entity, those assets may be at risk if the business finds itself facing litigation, creditor action, or other claims. The higher the value of the assets, the higher the risk.&nbsp;<br><br>It’s a situation that tends to creep up on business owners. It doesn’t stare you in the face the same way that hiking tax bills do. It’s only when you take a step back and holistically assess the assets being held by the business, that you can understand what’s actually on the line if the business faced <a href="/litigation-support" rel="noopener" target="_blank">litigation</a>.</p>
802<p style="padding-left: 40px;"><span style="font-weight: bold;">3. &nbsp; &nbsp;Recognising that your personal assets are carrying more risk than you’re comfortable with</span></p>
803<p>Sometimes, it’s not the business itself that has changed all that much, but your personal financial position, and with it, your appetite for risk.&nbsp;<br><br>In the early days of starting a business, people tend to feel comfortable throwing their all into 
803it, operating with the mindset that when you’re starting with little, you’ve got little to lose (and everything to gain).<br><br>But as personal wealth builds, things start to change. And the idea of having your personal wealth on the line should anything go awry in the business is suddenly a lot less comfortable than it was ten years ago.<br><br>To put this into real terms, let’s say that a couple established a farming business through a partnership at a time when they had relatively few assets of their own. Years later, one of them receives a substantial inheritance.<br><br>In this scenario, the business and ownership arrangement hasn’t changed at all, but the value of personal assets that are now exposed through the structure has.</p>
804<p style="padding-left: 40px;"><span style="font-weight: bold;">4. &nbsp; &nbsp;Knowing you want to pass the business on, but struggling to make the pieces fit</span></p>
805<p>A tell-tale sign of an unsuitable business structure is when the structure itself is holding back your <a href="/blog/to-avoid-tax-issues-in-succession-start-with-your-structures" rel="noopener" target="_blank">succession plans</a>.<br><br>Let’s say you have a clear idea how you want the business to be passed on, but find that the way it’s currently structured doesn’t actually allow that vision to be seen out.<br><br>Passing a business down to one child may be relatively straightforward, assuming you own the business outright and there are no other ownership interests to account for. However, it becomes a lot less simple when there are four children on the scene, all of whom have different interests in different parts of the business.<br><br>In these cases, the answer may be to diversify across multiple, purposeful entities, creating clearer separation between the different legs of the business and a streamlined succession pathway for each child.</p>
806<h6><span style="font-weight: bold;">Don’t wait for your structure to tell you it’s wrong. It won’t.</span></h6>
807<p>There’s an unconscious tendency to think that if your business structure stops working in the way it needs to, you’ll know about it.<br><br>But the reality is that there is almost never one big grand announcement. There are only symptoms—symptoms that present very differently for each business, because each business evolves differently.<br><br>For one owner, the smoking gun might be a <a href="/tax-advisory-services" rel="noopener" target="_blank">taxation strategy</a> that’s not as effective as it once was. For another, it might be uncomfortably high asset exposure that sends the alarm bells ringing.<br><br>This is why you cannot wait for the signs to present themselves.&nbsp;<br><span style="font-weight: bold;"></span></p>
808<h6 style="line-height: 1.5;"><span style="font-weight: bold;">Instead, I’d encourage business owners to use change itself as the reason to stop and reassess whether your structure still fits.</span></h6>
809<p>That change might be:</p>
810<ul>
811<li>
812<p>In the business: An acquisition, a significant jump in turnover, location expansion, or a change in ownership.</p>
813</li>
814<li>
815<p><span style="background-color: transparent;">In your personal life: A substantial inheritance, marriage or separation, birth of children or grandchildren, blending families or a change in your succession plans.</span></p>
816</li>
817<li>
818<p><span style="background-color: transparent;"></span><span style="background-color: transparent;">In the environment around you: New industry regulation or tax legislation.</span></p>
819</li>
820</ul>
821<p>Each of these changes is a good reason to step back and review your structure as a whole.<br><br>That whole-picture view is something we build into the way we work with our clients. The way we do this is through a <a href="/business-accounting" rel="noopener" target="_blank">Statement of Assets and Liabilities</a> (SOAL). It pulls together exactly what is happening across all your entities, and brings that onto the same page as your personal asset position and risk assessment, which covers areas such as insurance, estate matters, and debt.&nbsp;<br><br>It's a holistic document that passes through the hands of our <a href="/business-services" rel="noopener" target="_blank">business services</a>, tax, <a href="/reporting-and-dashboards" rel="noopener" target="_blank">business insights</a>, <a href="/private-wealth-clients" rel="noopener" target="_blank">wealth management</a> teams. It maps your entire position and that is what makes it so valuable for reviewing your business structure.<br><br>Because if there’s one thing you take from this article, it’s that business structure does not exist in isolation. How your entities are structured in relation to one another have very real implications that can affect everything from your personal wealth position, to your succession and estate plans, to the options you have on the table for the business’s, and your family’s future.<br><br>
821If your business, wealth position, or family circumstances have changed in the last few years, now is the time to review whether your structure still supports your goals.&nbsp;<br><br>Don’t wait for a problem to arise. The earlier you review your position, the more options you’re likely to have available to you.</p><div class="hs-cta-embed hs-cta-simple-placeholder hs-cta-embed-382009609674" style="max-width:100%; max-height:100%; width:700px;height:361px" data-hubspot-wrapper-cta-id="382009609674">
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1190
1191<div class="blog-bottom-modules">
1192
1193  <div class="blog-faq">
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1199        <h2 class="font-heading2 font-color-s">Your questions, <br><span>answered.</span></h2>
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1203        
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1205                <div class="blog-faq--title font-heading5 font-regular font-color-s">
1206                    <div class="row justify-content-between align-items-center">
1207                        
1208                        <div class=" col-12  blog-faq--heading  d-flex align-items-center justify-content-between">
1209                            Wait, what does ‘business structure’ actually mean?
1210                            <svg width="16" height="16" viewbox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg">
1211                            <path d="M8 0V16" stroke="currentColor" stroke-width="1.5" stroke-miterlimit="10" />
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1219                <div class="blog-faq--copy font-copy font-color-s">
1220                    <div class="row ">
1221                        <div class=" col-12 mt-2">
1222                            <p><span>In this context, your business structure refers to the overall framework that determines how y
1222our operations and assets are organised across companies, trusts, and other entities.</span></p>
1223                            
1224                        </div>
1225                    </div>
1226                </div>
1227            </div>
1228        
1229            <div class="blog-faq--item">
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1232                        
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1234                            Why review my structure now, if I know I’m not financially ready to restructure?
1235                            <svg width="16" height="16" viewbox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg">
1236                            <path d="M8 0V16" stroke="currentColor" stroke-width="1.5" stroke-miterlimit="10" />
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1244                <div class="blog-faq--copy font-copy font-color-s">
1245                    <div class="row ">
1246                        <div class=" col-12 mt-2">
1247                            <p><span>There’s no denying that restructuring can be an expensive process, largely due to transfer duty and especially when capital gains tax joins the equation. This is also why it pays to plan ahead. Reviewing early gives you time to strategically plan and prepare for these costs.</span></p>
1248                            
1249                        </div>
1250                    </div>
1251                </div>
1252            </div>
1253        
1254            <div class="blog-faq--item">
1255                <div class="blog-faq--title font-heading5 font-regular font-color-s">
1256                    <div class="row justify-content-between align-items-center">
1257                        
1258                        <div class=" col-12  blog-faq--heading  d-flex align-items-center justify-content-between">
1259                            Does a restructure mean moving everything all at once?
1260                            <svg width="16" height="16" viewbox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg">
1261                            <path d="M8 0V16" stroke="currentColor" stroke-width="1.5" stroke-miterlimit="10" />
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1264
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1269                <div class="blog-faq--copy font-copy font-color-s">
1270                    <div class="row ">
1271                        <div class=" col-12 mt-2">
1272                            <p><span>Not necessarily. In some cases, the most strategic move is to keep existing assets where they are and gradually shift them over time, as assets are sold or new investments are made.</span></p>
1273                            
1274                        </div>
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1345                      06 August 2026
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1450  {
1451    "name": "Natalie Macdonald",
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1455    "phone": "07 4197 6314",
1456    "linkedin": "https://www.linkedin.com/in/nataliemacdonaldca/",
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1460    "bio": "<p style=\"color: #1b3629; line-height: 26px; background-color: #ffffff;\">When people say that they’d follow their accountant anywhere, they’re talking about Natalie. Genuine, honest, and charmingly open, she’d walk a mile in their shoes and enjoys a chat over a cuppa or a catch-up via online or phone, depending on their preference. Her easy-going, down-to-earth candour also means that you have a friend as much as you do an accountant in her, and that she deeply cares about where the numbers are leading and the right direction to take.</p>\n<p style=\"color: #1b3629; line-height: 26px; background-color: #ffffff;\">Natalie helps clients understand their numbers. In simple steps, she shows them how to get the most out of their software and to take a holistic view of their business, so they can set a direction and improve outcomes. Practical and hardworking, with a ‘what you see is what you get’ style, she dives into any challenge. Her client-focus has also shaped the way she sees her job – as much more than debits and credits – and she pushes herself to find ways to improve situations, not just solve them.</p>\n<blockquote style=\"line-height: 40px; color: #1b3629; background-color: #ffffff;\">“I love sitting down with clients and talking things over. I can’t count the number of times that really important things have come out across a kitchen table or over a cuppa on the back veranda, that really helped me understand what was happening and be able to serve them better.”</blockquote>\n<p style=\"padding-left: 0cm; color: #1b3629; line-height: 26px; background-color: #ffffff;\">Since joining us in 2000, Natalie’s skills and client-base have grown. She first started in the Fraser Coast offices as a Trainee Accountant, and in 2006 relocated to Gladstone, as our Assistant Manager. Under the guidance of the Ulton Partners, she became an integral member within the firm and an important advisor to many businesses in the region. Her Chartered Accountant qualifications were completed in 2008 and she has since specialised in helping the all-important business sector of the area. She returned to our Fraser Coast office in early 2020 and became a partner on the 1 August 2020.</p>"
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2000    
2000<script>
2001      window.Userback = window.Userback || {};
2002      Userback.access_token = "A-SAgGELOqVBVNYQwbVVHUX76uq";
2003      // identify your logged-in users (optional)
2004      Userback.user_data = {
2005          id: "123456", // example data
2006          info: {
2007          name: "someone", // example data
2008          email: "[email protected]" // example data
2009        }
2010      };
2011      (function(d) {
2012        var s = d.createElement('script');s.async = true;s.src = 'https://static.userback.io/widget/v1.js';(d.head || d.body).appendChild(s);
2013      })(document);
2014    </script>
2014
2015  
2016</body></html>

Line numbers count LF bytes from the start of the resource, as the search results do. Vendor segments are library code the classifier recognised; they are stored but not indexed. Bytes are shown as Latin1 characters, one per byte.