Business Structuring Services Melbourne

Business structuring is choosing and configuring the entities you trade and hold assets through, trading companies, family trusts, bucket companies and holding entities, to legally minimise tax and protect your assets. Pinnacle Accounting & Advisory, led by CPA and Chartered Tax Advisor Mina Baselyous, reviews and restructures Melbourne businesses so their structure works harder, year after year.

Most business owners are in the wrong structure — and many don’t know it. They’re paying more tax than necessary, leaving their personal assets exposed, and missing the wealth-building opportunities that the right structure creates. Getting business structure right isn’t just a compliance exercise. It’s one of the highest-leverage financial decisions you’ll make.

Pinnacle Accounting & Advisory helps business owners get into the right structure: trading entities, family discretionary trusts, bucket companies, and holding entities — configured to legally minimise tax, protect assets, and position you to build lasting wealth.

Mina Baselyous is a CPA and Chartered Tax Advisor (CTA) based in Melbourne. Business structuring is one of Pinnacle’s core disciplines — not an afterthought. We’ve helped hundreds of business owners restructure from suboptimal setups into arrangements that work hard for them, year after year.

Why Business Structure Matters More Than Most Owners Realise

The legal structure you operate through determines three things above all else: how much tax you pay, how protected your personal assets are, and how efficiently you can build and transfer wealth. Get it right and you have a platform for growth. Get it wrong and you spend years overpaying tax and carrying risks you don’t need to.

Many business owners set up their structure when they first started — often with minimal advice — and never revisit it. As the business grows, that original structure becomes increasingly costly. Tax distributions aren’t flexible. The trading entity holds all the assets. Personal and business risk are tangled together.

A structure review at the right time — ideally before turnover exceeds $500K — can unlock significant ongoing tax savings and asset protection that compound over years. The longer you leave it, the more it costs.

Common Business Structures We Set Up and Optimise

There’s no single “best” business structure — the right answer depends on your income, risk profile, growth plans, and family situation. Here’s an overview of the structures we commonly work with:

For a deeper overview of Australian business structures, see our article on choosing the right business structure in Australia.

What We Look At During a Structure Review

A Pinnacle structure review is a thorough assessment of your current position and a practical roadmap for improvement. Here’s how we approach it:

1. Your current structure — What entities you’re operating through, who owns them, and how they’re performing against your goals.
2. Your tax position — Are you in the right tax brackets? Are you maximising distribution flexibility? Are you retaining profits as efficiently as possible?
3. Asset protection — Is your business wealth separated from personal risk? Are your key assets in a trading entity that’s exposed to legal action?
4. Growth and exit planning — Is your structure set up for what comes next? If you want to sell the business, bring in a partner, or pass it to family, your structure needs to work for those outcomes too.
5. Recommendations and roadmap — We provide practical, staged restructure recommendations — including what to change, in what order, and what it involves in terms of time and cost.

What Our Clients Say

⭐⭐⭐⭐⭐ 81 5-Star Google Reviews

Frequently Asked Questions

When should I review my business structure?

The best time to review your structure is before you hit $500K in annual turnover — but it’s never too late. The key triggers are: crossing a significant revenue threshold, taking on business partners, acquiring significant assets, planning to sell, or simply realising you haven’t reviewed your structure since you started. If any of those apply, book a consultation.

How much does a structure review cost?

Our fees reflect the value we deliver — speak to us about your specific situation and we’ll let you know what’s involved. A structure review is an investment that typically pays for itself many times over in ongoing tax savings alone.

Can I restructure an existing business?

Yes. Restructuring an existing business is more complex than setting up a new structure from scratch, but it’s done regularly and the ATO has established pathways for doing it in a tax-effective way. We’ll assess whether restructuring makes sense for your situation and, if so, map out the most efficient path to get there.

How long does restructuring take?

It depends on the complexity of the change. Setting up a new trust or company can take a few weeks. More complex restructures — particularly those involving existing assets, CGT considerations, or stamp duty — can take several months and require careful staging. We’ll give you a realistic timeline during your consultation.

Will I need a lawyer as well?

For many restructures, yes — particularly where trust deeds are being established or amended, property is being transferred, or shareholder agreements need updating. We work closely with commercial lawyers and can recommend trusted practitioners where needed. Our role is to drive the tax and accounting strategy; the lawyers handle the legal documentation.

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