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I agree, an accountant should have no trouble getting you on track with the right structure and much more. Plenty of businesses like yours run as a Pty Ltd company and many more run under a trust, but an accountant will let you know the best option for your circumstances.

http://www.irinahollander.com.au I highly recommend as a fellow FS member and small business specialist.

9 years in a small plumbing business should see you financially doing well so some simple changes should get you on track in no time.