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51165314 3.39577 -0.467915 8.65159 1.46548 13.2014C1.46548 13.2014 1.46548 13.2014 1.46548 13.2038Z" stroke="#1B3629" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round" /> 512 <path d="M16.3074 16.3057L20.7523 20.7502" stroke="#1B3629" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round" /> 513 </svg> 514 </div> 515 <div class="header--search header--search--desktop"> 516 <form action="/hs-search-results" method="get" class="hs-search-form"> 517 <input type="text" name="term" placeholder="Search here" class="hs-search-input" required> 518 <button type="submit" class="hs-search-button"><img src="https://www.ulton.net/hubfs/raw_assets/public/ulton-2026/assets/icons/circle-arrow-right.svg"></button> 519 </form> 520 </div> 521 </div> 522 </div> 523 </div> 524 </div> 525</header></div></div> 526 527 528 529 530 <main id="main-content" class="body-container-wrapper"> 531 532 533 534 535 536 537 538 539 540 541 542 543 544 545 546 547 548 549 550 551 552 553 554 555 556 557 558<div class="blog-post-template pt-sm pb-sm article"> 559 560 561 562 563 <div class="container"> 564 <div class="row"> 565 566 567 <div class="col-lg-4 col-md-12"> 568 <div class="blog-post-sidebar"> 569 <div class="blog-post-sidebar__inner"> 570 571 572 573 574 <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> 575 576 577 <div id="hs_cos_wrapper_module_17846938639071" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"> 578<div class="blog-summary"> 579 <div class="blog-summary--inner"> 580 581 <h4 class="blog-summary--heading">In this article, we explore:</h4> 582 583 <div class="blog-summary--copy font-copy"> 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> 590 </div> 591 </div> 592</div> 593</div> 594 595 596 597 598 599 600 601 602 603 604 605 606 <div class="blog-post-sidebar__meta"> 607 <div class="meta-item"> 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 611 </time> 612 </div> 613 614 615 616 <div class="meta-item"> 617 <span class="meta-label font-small">Author</span> 618 <div class="meta-authors"> 619 620 621 622 623 624 625 626 627 628 629 630 631 632 633 634 635 636 637 638 639 640 641 642 643 644 645 646 647 648 649 650 651 652 653 654 655 656 657 658 659 660 661 662 663 664 <div class="meta-wrapper"> 665 <div class="author-name font-copy">Natalie Macdonald</div> 666 <div class="meta-value"> 667 668 <img src="https://www.ulton.net/hubfs/Natalie%20Macdonald%20profile%20image%2
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class="tag-link font-small" rel="tag"> 715 Business</a>, 716 717 <a href="https://www.ulton.net/blog/tag/business-services" class="tag-link font-small" rel="tag"> 718 Business Services</a> 719 720 </div> 721 </div> 722 723 724 725 <div class="meta-item"> 726 <span class="meta-label font-small">Share article</span> 727 <div class="meta-value social-share"> 728 729 <a href="https://www.linkedin.com/sharing/share-offsite/?url=https%3A%2F%2Fwww.ulton.net%2Fblog%2Fyour-business-has-changed-has-your-structure" target="_blank" rel="noopener noreferrer" class="social-share__link" aria-label="Share on LinkedIn"> 730 <svg width="20" height="20" viewbox="0 0 20 20" fill="none" xmlns="http://www.w3.org/2000/svg"> 731 <path fill-rule="evenodd" clip-rule="evenodd" d="M2.39717 4.66344C3.89205 4.66344 4.82283 3.62649 4.82283 2.33135C4.79505 1.0079 3.89205 0 2.42565 0C0.958553 0 0 1.0079 0 2.33135C0 3.62649 0.930428 4.66344 2.3694 4.66344H2.39717ZM0.254944 20H4.54215V6.50598H0.254944V20Z" 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755 </div> 756 </div> 757 </div> 758 </div> 759 760 761 <div class="col-lg-1 d-none d-lg-block"></div> 762 763 764 <div class="col-lg-7 col-md-12"> 765 <article class="blog-post-content"> 766 767 768 769 <div class="blog-post-content__featured-image"> 770 <img src="https://www.ulton.net/hubfs/September%20BS%20Blogs%20and%20Teams%20Templates.png" alt="" loading="eager"> 771 </div> 772 773 774 775 <div id="hs_cos_wrapper_blog_narration" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"> 776<div class="blog-narration" data-blog-narration hidden> 777 <button type="button" class="blog-narration__toggle" data-narration-toggle aria-pressed="false"> 778 <span class="blog-narration__icon blog-narration__icon--play" aria-hidden="true"> 779 <svg width="14" height="14" viewbox="0 0 14 14"><path d="M3 1.5v11l9-5.5z" fill="currentColor" /></svg> 780 </span> 781 <span class="blog-narration__icon blog-narration__icon--pause" aria-hidden="true"> 782 <svg width="14" height="14" viewbox="0 0 14 14"><path d="M3 1.5h3v11H3zM8 1.5h3v11H8z" fill="currentColor" /></svg> 783 </span> 784 <span class="blog-narration__label" data-narration-label>Listen to this article</span> 785 </button> 786 <button type="button" class="blog-narration__stop" data-narration-stop aria-label="Stop n
786arration" hidden> 787 <svg width="12" height="12" viewbox="0 0 12 12" aria-hidden="true"><path d="M1 1h10v10H1z" fill="currentColor" /></svg> 788 </button> 789 <div class="blog-narration__progress" aria-hidden="true"><span data-narration-bar></span></div> 790</div> 791</div> 792 793 794 <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. Itâs not reconstructed every time thereâs a major change in vehicle design or an uptick in traffic volume.<br><br>This mentality might work for construction, but business structures arenât 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 thatâvariable. Over time, the shape of a business and the environment it exists within, changes. <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 accountantâs role isnât just to crunch the numbers. As much as weâre 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. </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 ownersâ best wishes, business structures donât 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. 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 hardestâin 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, letâs say that a trust worked well for a business when profits were modest, but now that the business has grown with profits alongside, itâs 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. Realising that youâve got too much at stake should something go wrong in the business</span></p> 801<p>When growth is healthy and sustainable, it doesnât happen overnight. Itâs 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, itâs 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. <br><br>Itâs a situation that tends to creep up on business owners. It doesnât stare you in the face the same way that hiking tax bills do. Itâs only when you take a step back and holistically assess the assets being held by the business, that you can understand whatâs 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. Recognising that your personal assets are carrying more risk than youâre comfortable with</span></p> 803<p>Sometimes, itâs not the business itself that has changed all that much, but your personal financial position, and with it, your appetite for risk. <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 youâre starting with little, youâve 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, letâs 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 hasnât 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. 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>Letâs say you have a clear idea how you want the business to be passed on, but find that the way itâs currently structured doesnât 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;">Donât wait for your structure to tell you itâs wrong. It wonât.</span></h6> 807<p>Thereâs an unconscious tendency to think that if your business structure stops working in the way it needs to, youâll know about it.<br><br>But the reality is that there is almost never one big grand announcement. There are only symptomsâsymptoms 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> thatâs 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. <br><span style="font-weight: bold;"></span></p> 808<h6 style="line-height: 1.5;"><span style="font-weight: bold;">Instead, Iâd 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. <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 thereâs one thing you take from this article, itâs 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 businessâs, and your familyâs 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. <br><br>Donât wait for a problem to arise. The earlier you review your position, the more options youâre 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"> 822 <a href="/hs/cta/wi/redirect?encryptedPayload=AVxigLKaPBJNmiczLoloGzSF4JU5zPs%2Br2BxB6MhlhI%2FHI1fyvf6aRScT6PvNr23NYf%2BhN0RDOK2jsGG%2FeWziFZpcgMT2F19kZ7NAIGCpFO36zBej6J1DSImFLm9dNwHasp9shSotY7%2FXBsx1iOG2BUxyu0z%2FDwIXWBGo%2BzthzzQHIoFB9zOlOOLsfUonSPrwQINaolmWg%3D%3D&webInteractiveContentId=382009609674&portalId=4033956" target="_blank" rel="noopener" crossorigin="anonymous"> 823 <img alt="September BS Blogs and Teams Templates (2)" loading="lazy" src="https://hubspot-no-cache-ap1-prod.s3.amazonaws.com/cta/default/4033956/interactive-382009609674.png" style="height: 100%; width: 100%; object-fit: fill" onerror="this.style.display='none'"> 824 </a> 825</div> 826<p></p></span> 827 </div> 828 829 </article> 830 831 </div> 832 833 </div> 834 </div> 835</div> 836 837 838 839 840 841 842 843 844 845 846 847 848 849 850 851 852 853 854 855 856 857 858 859 860 861 862 863 864 865 866 867 868 869 870 871 872 873 874 875 876 877 878 879 880 881 882 883 884 885 886 887 888 889 890 891 892 893 894 895 896 897 898 899 900 901 902 903 904 905 906 907 908 909 910 911 912 913 914 915 916 917 918 919 920 921 922 923 924 925 926 927 928 929 930 931 932 933 934 935 936 937 938 939 940 941 942 943 944 945 946 947 948 949 950 951 952 953 954 955 956 957 958 959 960 961 962 963 964 965 966 967 968 969 970 971 972 973 974 975 976 977 978 979 980 981 982 983 984 985 986 987 988 989 990 991 992 993 994 995 996 997 998 999 1000 1001 1002 1003 1004 1005 1006 1007 1008 1009 1010 1011 1012 1013 1014 1015 1016 1017 1018 1019 1020 1021 1022 1023 1024 1025 1026 1027 1028 1029 1030 1031 1032 1033 1034 1035 1036 1037 1038 1039 1040 1041 1042 1043 1044 1045 1046 1047 1048 1049 1050 1051 1052 1053 1054 1055 1056 1057 1058 1059 1060 1061 1062 1063 1064 1065 1066 1067 1068 1069 1070 1071 1072 1073 1074 1075 1076 1077 1078 1079 1080 1081 1082 1083 1084 1085 1086 1087 1088 1089 1090 1091 1092 1093 1094 1095 1096 1097 1098 1099 1100 1101 1102 1103 1104 1105 1106 1107 1108 1109 1110 1111 1112 1113 1114 1115 1116 1117 1118 1119 1120 1121 1122 1123 1124 1125 1126 1127 1128 1129 1130 1131 1132 1133 1134 1135 1136 1137 1138 1139 1140 1141 1142 1143 1144 1145 1146 1147 1148 1149 1150 1151 1152 1153 1154 1155 1156 1157 1158 1159 1160 1161 1162 1163 1164 1165 1166 1167 1168 1169 1170 1171 1172 1173 1174 1175 1176 1177 1178 1179 1180 1181 1182 1183 1184 1185 1186 1187 1188 1189 1190 1191<div class="blog-bottom-modules"> 1192 1193 <div class="blog-faq"> 1194 <div id="hs_cos_wrapper_module_17846955707504" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"> 1195 1196 1197<div class="blog-faq pt-sm pb-sm bg- pt-6 pb-6 borders-"> 1198 <div class="container"> 1199 <h2 class="font-heading2 font-color-s">Your questions, <br><span>answered.</span></h2> 1200 <div class="blog-faq--list version-1 "> 1201 1202 1203 1204 <div class="blog-faq--item"> 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 âbusiness structureâ 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" /> 1212 <path d="M16 8H0" stroke="currentColor" stroke-width="1.5" stroke-miterlimit="10" /> 1213 </svg> 1214 1215 </div> 1216 </div> 1217 1218 </div> 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"> 1230 <div class="blog-faq--title font-heading5 font-regular font-color-s"> 1231 <div class="row justify-content-between align-items-center"> 1232 1233 <div class=" col-12 blog-faq--heading d-flex align-items-center justify-content-between"> 1234 Why review my structure now, if I know Iâm 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" /> 1237 <path d="M16 8H0" stroke="currentColor" stroke-width="1.5" stroke-miterlimit="10" /> 1238 </svg> 1239 1240 </div> 1241 </div> 1242 1243 </div> 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>Thereâs 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" /> 1262 <path d="M16 8H0" stroke="currentColor" stroke-width="1.5" stroke-miterlimit="10" /> 1263 </svg> 1264 1265 </div> 1266 </div> 1267 1268 </div> 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> 1275 </div> 1276 </div> 1277 </div> 1278 1279 </div> 1280 </div> 1281</div> 1282</div> 1283 </div> 1284 1285 <div class="latest-blogs pt-sm pb-sm bg-color-w-grey pt-6 pb-6"> 1286 <div class="container"> 1287 <div class="row align-items-center"> 1288 <div class="col-md"> 1289 <h2 class="font-heading2 latest-blogs-title">Keep reading.<br><span>Related insights.</span></h2> 1290 </div> 1291 <div class="col-md-auto mb-2"> 1292 <a href="https://www.ulton.net/blog/all" class="button-link button-link--p"> 1293 View all articles 1294 <span> 1295 <svg width="5" height="9" viewbox="0 0 5 9" fill="none" xmlns="http://www.w3.org/2000/svg"> 1296 <path d="M0.5 8.5L4.5 4.5L0.5 0.5" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" /> 1297 </svg> 1298 </span> 1299 </a> 1300 </div> 1301 </div> 1302 1303 <div class="latest-blogs--items row"> 1304 1305 1306 1307 1308 1309 1310 1311 1312 1313 1314 1315 1316 1317 1318 1319 1320 1321 1322 1323 <div class="col-lg-4 d-flex flex-column"> 1324 <div class="post-listing-item"> 1325 <div class="post-listing-item--details d-flex flex-column"> 1326 1327 <div class="post-listing-item--categories"> 1328 <img src="https://www.ulton.net/hubfs/raw_assets/public/ulton-2026/assets/icons/text-file--text-common-file.svg" alt="categories icon"> 1329 <ul> 1330 1331 <li> 1332 <a class="font-small" href="https://www.ulton.net/blog/tag/business">Business</a> 1333 </li> 1334 1335 <li> 1336 <a class="font-small" href="https://www.ulton.net/blog/tag/advisory-consulting">Advisory & Consulting</a> 1337 </li> 1338 1339 </ul> 1340 </div> 1341 1342 <div class="post-listing-item--title d-flex flex-column justify-content-between"> 1343 <div> 1344 <div class="post-listing-item--date font-small font-color-grey"> 1345 06 August 2026 1346 </div> 1347 <h3 class="font-heading3"> 1348 <a class="font-color-s" href="https://www.ulton.net/blog/how-smes-can-stay-resilient-when-costs-keep-rising">How SMEs can stay resilient when costs keep rising</a> 1349 </h3> 1350 </div> 1351 <a href="https://www.ulton.net/blog/how-smes-can-stay-resilient-when-costs-keep-rising" class="button-link button-link--p"> 1352 Read insight
1353 <span> 1354 <svg width="5" height="9" viewbox="0 0 5 9" fill="none" xmlns="http://www.w3.org/2000/svg"> 1355 <path d="M0.5 8.5L4.5 4.5L0.5 0.5" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" /> 1356 </svg> 1357 </span> 1358 </a> 1359 </div> 1360 </div> 1361 </div> 1362 </div> 1363 1364 </div> 1365 </div> 1366 </div> 1367</div> 1368 1369 1370<div class="simple-cta-global"> 1371<div id="hs_cos_wrapper_module_17713787463352" class="hs_cos_wrapper hs_cos_wrapper_widget hs_cos_wrapper_type_module" style="" data-hs-cos-general-type="widget" data-hs-cos-type="module"><div class="simple-cta-global pt-sm pb-sm bg-color-w-grey pt-6 pb-6 borders-br-top"> 1372 <div class="container"> 1373 <h2 class="font-heading2 font-regular">Start the conversation with us today.</h2> 1374 1375 1376 1377 <a href="https://www.ulton.net/contact" class="button-link button-link--p"> 1378 Get in touch 1379 <span> 1380 <svg width="5" height="9" viewbox="0 0 5 9" fill="none" xmlns="http://www.w3.org/2000/svg"> 1381 <path d="M0.5 8.5L4.5 4.5L0.5 0.5" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" /> 1382 </svg> 1383 </span> 1384 </a> 1385 1386 </div> 1387</div></div> 1388</div> 1389 1390 1391 1392 1393 1394 1395 1396 1397 1398 1399 1400 1401 1402 1403 1404 1405 1406 1407 1408 1409 1410 1411 1412 1413 1414 1415 1416 1417 1418 1419 1420 1421 1422 1423 1424 1425 1426 1427 1428 1429 1430 1431 1432 1433 1434 1435 1436 1437 <div class="bio-modal" id="authorBioModal-1"> 1438 <div class="bio-modal--overlay"></div> 1439 <div class="bio-modal--content"> 1440 <button class="bio-modal--close" aria-label="Close"> 1441 <svg width="24" height="24" viewbox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"> 1442 <path d="M18 6L6 18M6 6L18 18" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" /> 1443 </svg> 1444 </button> 1445 <div class="bio-modal--inner" id="authorBioModalInner-1"></div> 1446 </div> 1447 </div> 1448 1449
1449<script type="application/json" id="authorPersonData-1"> 1450 { 1451 "name": "Natalie Macdonald", 1452 "credentials": "CA", 1453 "job_title": "Business Services Partner", 1454 "profile_image": "https://4033956.fs1.hubspotusercontent-na1.net/hubfs/4033956/Natalie%20Macdonald%20profile%20image%20BACKGROUND%20COLOUR%20Warm%20Grey_RECTANGLE__170%20px%20x%20220%20px__RGB.png", 1455 "phone": "07 4197 6314", 1456 "linkedin": "https://www.linkedin.com/in/nataliemacdonaldca/", 1457 "specialist_areas": " <span style=\"color: #1b3629; background-color: #ffffff;\">Tax Advisory, Business Services and Business Advisory</span>", 1458 "formal_qualifications": "<ul>\n<li style=\"line-height: 24px; color: #1b3629;\">Justice of the Peace (Qualified)</li>\n<li style=\"line-height: 24px; color: #1b3629;\">Certificate of Public Practice â Chartered Accountants Australia & New Zealand</li>\n<li style=\"line-height: 24px; color: #1b3629;\">Graduate Diploma of Chartered Accounting â Chartered Accountants Australia & New Zealand</li>\n<li style=\"line-height: 24px; color: #1b3629;\">Bachelor of Commerce (Accounting & E-Commerce) â University of Southern Queensland</li>\n<li style=\"line-height: 24px; color: #1b3629;\">Certified Xero Advisor</li>\n</ul>", 1459 "memberships": "<ul>\n<li style=\"line-height: 24px; color: #1b3629;\">Professional Member - Chartered Accountants Australia and New Zealand</li>\n</ul>", 1460 "bio": "<p style=\"color: #1b3629; line-height: 26px; background-color: #ffffff;\">When people say that theyâd follow their accountant anywhere, theyâre talking about Natalie. Genuine, honest, and charmingly open, sheâd 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 âwhat you see is what you getâ style, she dives into any challenge. Her client-focus has also shaped the way she sees her job â as much more than debits and credits â 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;\">âI love sitting down with clients and talking things over. I canât 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.â</blockquote>\n<p style=\"padding-left: 0cm; color: #1b3629; line-height: 26px; background-color: #ffffff;\">Since joining us in 2000, Natalieâs 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>" 1461 } 1462 </script>
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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.