Business Advisory
Business Restructuring
The structure your business started with may not be the right structure for where it is today. PHC & Associates provides strategic restructuring advice to optimise your entity structure — reducing tax, improving asset protection, and positioning your business for its next phase of growth or exit.
1000+
Clients Advised
CPA
Certified
Tax & Asset
Protection Focused
What's Included
Everything Covered in This Service
Review of current entity structure and identification of inefficiencies
Recommendation of optimal structure — company, trust, partnership, or hybrid
Tax implications analysis of restructuring options
Asset protection assessment — separation of trading and asset-holding entities
Small business CGT concession eligibility assessment pre-restructure
Interposition of holding companies or discretionary trusts
Coordination with legal advisors for trust deeds, constitutions, and shareholder agreements
ATO pre-clearance advice for complex restructures
Why It Matters
Why This Matters for Your Business
Understanding the value of this service helps you get the most from it.
The Wrong Structure Costs You Every Year
A business trading through the wrong entity type can pay tens of thousands in unnecessary tax each year. The right structure — particularly for growing businesses — makes a material difference to your after-tax position.
Asset Protection Deteriorates as Risk Grows
As a business grows, so does its exposure to claims, disputes, and creditors. Separating your operating entity from your asset-holding entities protects accumulated wealth from trading risk.
Restructuring Before a Sale Changes the Outcome
A poorly structured business heading into a sale is a negotiating disadvantage. Restructuring 12–18 months before a sale can unlock small business CGT concessions that dramatically reduce the tax on sale proceeds.
Family Trust Structures Offer Flexibility
Discretionary trusts give you the ability to distribute income to beneficiaries in lower tax brackets each year — a flexibility that trading companies don't provide.
Restructuring Has Timing Windows
Some restructures — particularly those involving CGT rollovers or Division 7A management — must be done at specific times. Planning ahead preserves your options.
How It Works
Your Step-by-Step Process
A clear, structured process so you know what to expect from start to finish.
Structure Review
We review your current entity structure, ownership, and financial position.
Options Analysis
We model the tax and asset protection implications of restructuring options.
Recommendation
A clear recommendation is provided with rationale and financial impact.
Legal Coordination
We work with your solicitor or refer to a trusted legal partner for documentation.
ATO Considerations
We advise on any ATO notifications, rollovers, or pre-clearances required.
Implementation
The restructure is implemented in the correct sequence to protect tax concessions.