Insights
Notes on structure,
security, and the storm
Practical thinking on business structure and asset protection for Australian directors — the same ideas we work through with clients.
This Has Got to Be the Most Boring Stuff in the World
Sole trader, partnership, or company — why the “boring” question of how you're structured is the one that decides what a creditor can actually reach.
MindsetEverybody Has Got a Plan Until They Get Punched in the Face
Mike Tyson on business planning: why the foundation you lay before the excitement fades is what gets you back up off the canvas.
SecurityThe Questions Are the Same but the Answers Have Changed
An Einstein anecdote, a lesson from how banks protect themselves, and why every director now needs to become a secured creditor over their own business.
Asset ProtectionThrow Your Assets Over the Fence
Why paying off your home through the company is a mistake, and how sole traders and partnerships should properly move assets into a company structure.
Checklist10 Things to Do Before the Storm Comes
Balance sheets, PPSR coverage, licence agreements, and preference payments — ten things worth checking long before a creditor forces the question.
InsolvencyCheck: A Pre-Insolvency Due Diligence List
A sharper, crisis-focused list — personal guarantees, caveats, lease bonds, and what to do if the answer is yes.
Next Step
Want to check your own exposure?
Run the same self-assessment checklists referenced in these articles.
Run the Checklist