Keep business risk away from family wealth
When the business, the property and the savings sit in the same name, one claim can reach all of it. We separate the risk, hold assets in the right place and plan how it all passes on.
✓ Partner-led✓ Works with your lawyer and adviser✓ Reviewed every year
Try it
Who could reach what you own?
Tell us whose name each asset is in. You will see straight away which ones a business claim could reach.
Choose who holds each asset
Your result appears here as you answer.
General information only. Personal guarantees, director penalties, family law and bankruptcy rules can reach assets held elsewhere, and protection depends on the facts, the timing and the law in your state.
How we protect it
Six ways we protect it
🧱
Separate trading from owning
The company that trades and takes the risk owns as little as possible. Property, equipment and cash sit elsewhere.
🌳
Family trusts with corporate trustees
Assets held for the family, not in anyone's personal name, with a company as trustee to limit liability.
🏢
Business property in the right place
Premises held in a separate entity and leased to the business at market rent. Some owners hold business premises in their SMSF; whether that suits you is a question for a licensed adviser, and we handle the tax and compliance side.
🔁
Profits moved out of harm's way
Surplus cash moved up regularly to a holding entity, done properly so Division 7A and tax rules are met.
📜
Succession and estate planning
Who controls the trusts after you, binding super nominations and buy-sell agreements, with your lawyer.
🛡️
Insurance gaps found
We point out where cover is missing and refer you to a licensed adviser. We don't sell insurance.
Succession
Succession starts years before you step back
5+ years out
Get the structure ready
So the business can be sold or handed on without a big tax bill.
3 years out
Decide the path
Family, staff buy-out or outside sale, and what each means for you.
1 year out
Clean up and value
Tidy accounts, a valuation, and the small business CGT concessions checked.
Handover
Make it happen
Agreements, transfers, super contributions and the next owner set up.
Example, not a real client
A medical practice owner with the clinic building, the family home and investments all in personal names
Before
A claim against the practice could reach everything. No plan for who takes over the trusts or the practice.
After
Practice in a company, building in a separate entity leased back, investments in a family trust, and a written succession plan.
Same family, same assets, far less exposed
The assets moved to where they belong, with the CGT and stamp duty worked out, and roll-over relief used where available, before anything changed hands.
Package
One review, one plan
The same review covers your structure and your protection, so you get one plan, not two.
Structure and protection review
One-off project, then a clear plan
Fixed feequoted in writing after your free call
- ✓ Review of your group and family structures
- ✓ Asset protection gaps and risks
- ✓ Tax-effective restructure options
- ✓ Succession and exit readiness
- ✓ Written report and partner meeting
Questions
Common questions
Is asset protection legal?›
Yes, when it is done for genuine reasons and before any claim is on the horizon. Moving assets to defeat a known creditor can be reversed by a court, which is why timing matters.
Can my SMSF own my business premises?›
It can be allowed: business real property can be held by an SMSF and leased to your business at market rent, under strict rules. Whether it suits you is a question for a licensed financial adviser; we handle the tax and compliance side with them.
Does a family trust protect the family home?›
Sometimes, but the home has tax and land tax trade-offs when it is held in a trust. We weigh protection against tax before recommending anything.
What happens to the trust when I die?›
Control of a trust passes under the trust deed, not your will. We check who the appointor and trustee will be and coordinate with your lawyer.
Do you give insurance or financial product advice?›
No. We are not a financial services licensee. We point out gaps and refer you to licensed advisers.
How often should protection be reviewed?›
Every year, and whenever something big changes: a new business, a property purchase, a marriage, a separation or a death in the family.
Find out what is exposed before someone else does
Confidential · No obligation · Registered tax agent 26173619