Most agents start as sole traders because it is the simplest path. As your income grows, a company or trust can offer tax flexibility and protection — but structure should follow your situation, not a rule of thumb.
The quick version
- Sole trader — simplest and cheapest, but income is taxed at your personal rate
- Company — can help manage tax and reinvest, with more compliance
- Trust — useful for asset protection and family planning
There is no universally correct answer. It depends on your income, your family, your assets and your plans.
We will tell you honestly whether restructuring is worth it for you — and never sell you complexity you do not need.