Business Structuring & Asset Protection

Is Your Family Home Protected If Something Goes Wrong?

The wrong business structure can leave your personal assets exposed and your tax bill higher than it needs to be. We review your setup, advise on the right structure, and make sure what you've built is properly protected.

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Assets Protected
Tax Optimised
Structure Model Assessment
Proposed
Effective Tax Rate
Current (Sole Trader) 39.0%
Proposed (Company/Trust) 25.0%
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Family Home Protection
Shielded via Trust Structure
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Trading Risk Isolation
Separated from Holding Entity
Trusted by thousands of clients
★★★★★ 5 Stars 107 Google Reviews
Sound Familiar?

You've Grown. But Has Your Business Structure Kept Up?

Most business owners set up a structure when they started and never looked at it again. That's a problem — because a structure that worked at $100k can cost you tens of thousands at $500k.

1

Still Operating as a Sole Trader

You started as a sole trader because it was simple. Now you're making serious money — and paying the highest possible tax rate with zero asset protection. Your family home is directly exposed to any business lawsuit or claim.

2

Overpaying Tax Due to Poor Structure

The difference between a sole trader, company, and trust can be tens of thousands of dollars in tax every year. If your structure hasn't been reviewed as you've grown, you're almost certainly leaving money on the table.

3

Personal Assets on the Line

If a client sues, a job goes wrong, or a supplier dispute escalates — are your personal savings, your house, and your family's future protected? For many business owners, the honest answer is no.

4

No Idea What Structure You Actually Need

Company? Trust? Family trust? Holding company? The options are confusing, the jargon is overwhelming, and your current accountant set it up years ago without explaining why — or whether it still makes sense.

What You Actually Get

The Right Structure to Protect Your Assets and Keep More Profit

We review where you are today, model where you're heading, and recommend the structure that protects your personal wealth while legally minimising your tax — now and as you scale.

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Full Structure Review

We audit your current setup — sole trader, company, trust, or combination — against your actual revenue, growth trajectory, and risk profile. We show you exactly what's working and what's costing you.

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Asset Protection Strategy

We design a structure that separates your business risk from your personal wealth. Your family home, personal savings, and future assets are shielded from business liabilities — giving you genuine peace of mind.

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Tax-Optimised Structuring

The right structure can legally save you tens of thousands in tax every year. We model the tax impact of different setups so you can see the numbers before making any changes — no guesswork.

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Growth-Ready Architecture

Planning to bring on partners, open a second location, or sell the business one day? We build a structure that supports where you're going — not just where you are today.

What Our Clients Say

What Our Clients Say

★★★★★

"We have been working with Ray and the fantastic team at BPAG for several years. It has truly been the best decision for our company. Their invaluable support has saved us a great deal of money and time."

S
Susan McKendry
Google Review
★★★★★

"It's been wonderful working with the BPAG team! They are true experts and have provided incredibly valuable business advisory and tax services, helping my business grow."

M
Mitchell King
Google Review
★★★★★

"What an incredible team. I started using BPAG 3 years ago and they have been advising my business and myself in an extraordinary way. They are caring and listen to your needs."

C
Christian Luis B.
Google Review
Getting Started

From Exposed to Protected in 4 Simple Steps

We make restructuring straightforward. You don't need to become a tax expert — that's our job.

Step 1

We Review

Free strategy call. We assess your current structure, revenue, growth plans, and risk exposure to understand exactly where you stand.

Step 2

We Model the Options

We run the numbers on different structures — company, trust, holding entity — and show you the tax savings and asset protection for each, in plain English.

Step 3

We Handle the Transition

Once you choose the right structure, we manage the setup end-to-end — registrations, ABN, tax obligations, bank accounts, and Xero migration.

Step 4

We Keep It Optimised

As your business grows, we review your structure annually to ensure it still fits. What works at $500k may need adjusting at $2M — and we'll be there when it does.

The Difference

Set and Forget vs. Strategically Managed

Your business structure isn't a one-time decision. It should evolve as you grow — and most accountants never bring it up again after day one.

✗  The Traditional Accountant
✓  The BPAG Way
Set up a sole trader or basic company at the start and never mentioned it again
Reviews your structure annually against your revenue, risk, and growth trajectory
Never explained the tax implications of your current setup
Models the tax savings of different structures so you can see the numbers in black and white
You have no idea if your personal assets are protected
Designs a structure that explicitly separates business risk from personal wealth
Restructuring sounds like an expensive, confusing nightmare
We handle the entire transition end-to-end — registrations, migration, everything
No consideration of future plans (partners, sale, second location)
Builds a growth-ready structure that supports where you're heading, not just where you are
Ready to Take Control?

Ready to Take Financial Stress Off Your Plate?

Let's have a conversation about where your business is heading and how we can help you get there.

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Frequently Asked Questions

Generally, once your business profit exceeds $80,000 to $100,000 per year, the flat corporate tax rate becomes more efficient than individual marginal rates. Additionally, if your business is taking on significant commercial risk, hiring employees, or entering into large contracts, a company structure is essential for asset protection.
A family trust is an entity that holds assets or runs a business for the benefit of family members. It provides excellent asset protection because the beneficiaries don't legally "own" the trust assets. It also offers extreme flexibility in distributing business profits to family members in lower tax brackets, potentially saving you thousands each year.