Small Business Restructuring is where a chartered accountant, their client and a registered liquidator work together to deal with the debts of the small business before it’s too late. This episode uses a real-world example of the process in action to show how it all works and explains to CA ANZ members the steps to take to get their client started. The key – acting early. Find out what’s holding members and clients back, the role of a registered liquidator (RL) and why using an RL will improve your relationship with your client. Registered liquidator and trustee in bankruptcy Andrew Barnden FCA (Director, Rodgers Reidy) and CA ANZ Senior Policy Advocate for Business Reform Jill Lawrence join Gillian to explain.

CA ANZ Helpsheet: Insolvency reforms to support small business

The chartered accountant's role in insolvency and restructuring

Find a registered liquidator

Read more about the Small Business Restructuring Process in Acuity

REP 756 Review of small business restructuring process | ASIC

Show website

podcast@charteredaccountantsanz.com

Small Business Restructuring is where a chartered accountant, their client and a registered liquidator work together to deal with the debts of the small business before it’s too late. This episode uses a real-world example of the process in action to show how it all works and explains to CA ANZ members the steps to take to get their client started. The key – acting early. Find out what’s holding members and clients back, the role of a registered liquidator (RL) and why using an RL will improve your relationship with your client. Registered liquidator and trustee in bankruptcy <a href="https://rodgersreidy.com/people/andrew-barnden/">Andrew Barnden FCA</a> (Director, Rodgers Reidy) and CA ANZ Senior Policy Advocate for Business Reform <a href="https://www.linkedin.com/in/jill-lawrence-909377186/">Jill Lawrence</a> join <a href="https://www.linkedin.com/in/gillian-bowen-7b310215b/">Gillian</a> to explain.
<a href="https://www.charteredaccountantsanz.com/tools-and-resources/client-service-essentials/insolvency/insolvency-reforms-to-support-small-business">CA ANZ Helpsheet: Insolvency reforms to support small business</a>
<a href="https://www.charteredaccountantsanz.com/member-services/technical/insolvency-and-restructuring">The chartered accountant's role in insolvency and restructuring</a>
<a href="https://asic.gov.au/regulatory-resources/find-a-document/statistics/insolvency-statistics/insolvency-statistics-series-4a-registered-liquidator-lists/">Find a registered liquidator</a>
Read more about the <a href="https://www.acuitymag.com/business/recommending-clients-to-specialists-need-not-be-taboo?adobe_mc=MCMID%3D91825650551732670052901005854985940742%7CMCORGID%3DE8464D1A576ABE727F000101%2540AdobeOrg%7CTS%3D1679019875">Small Business Restructuring Process</a> in Acuity
<a href="https://urldefense.com/v3/__https:/asic.gov.au/regulatory-resources/find-a-document/reports/rep-756-review-of-small-business-restructuring-process/*:*:text=REP*20756*20Review*20of*20small*20business*20restructuring*20process,observations*20on*20ASIC*20form*20lodgements*20by*20restructuring*20practitioners.__;I34lJSUlJSUlJSUlJSUlJQ!!KKY-X2u5ty1-h_LZrSB9P0w!yy8Q-SJrxjmK6ibk-WRynfFwfbSGtZsf5ENOzeJ_BqCtNYz6CG72IogqfBNBL0l_0ho3znpMGjuyux7mdXmuzJ_OLfJprVcz-Pu-makB$">REP 756 Review of small business restructuring process | ASIC</a>
<a href="https://www.charteredaccountantsanz.com/news-and-analysis/news/podcasts/small-firm-big-impact">Show website</a>
<a href="mailto:podcast@charteredaccountantsanz.com">podcast@charteredaccountantsanz.com</a>

‘Small Firm, Big Impact’ is the podcast small and medium sized practices need right now. The latest series is full of factual and practical content from experts, giving chartered accountants, the up-to-date information they need to do their jobs. Each episode Chartered Accountants ANZ Public Affairs Manager Gillian Bowen will pick the brains of a range of people across the profession including CA ANZ experts as well as guests who know a thing or two about public practice.

‘Small Firm, Big Impact’ is the podcast small and medium sized practices need right now. The latest series is full of factual and practical content from experts, giving chartered accountants, the up-to-date information they need to do their jobs. Each episode Chartered Accountants ANZ Public Affairs Manager <a href="https://www.linkedin.com/in/gillian-bowen-7b310215b/" aria-label="Link Gillian Bowen">Gillian Bowen</a> will pick the brains of a range of people across the profession including CA ANZ experts as well as guests who know a thing or two about public practice.

Giving Chartered Accountants, the up-to-date information they need to do their jobs.

Small Firm, Big Impact

Small Firm, Big Impact is our long-form podcast exploring the biggest ideas, challenges, and opportunities reshaping smaller accounting firms across Australia and New Zealand. 

Hosted by Lisa Lintern from CA ANZ External Affairs, each episode dives into the leadership perspectives, strategic decisions, and real-world stories that help smaller firms stay future-ready in a rapidly changing environment. 

Whether it’s innovation, practice growth, technology, client expectations, or the evolving role of the practitioner, these conversations give you context, clarity, and inspiration to lead with confidence. 

For quick regulatory updates and time-sensitive news, explore our companion podcast, Small Firm, Big Impact Express. 

 

Disclaimer: The opinions and statements expressed in this podcast are provided for general information only and are not intended to be legal, professional or financial advice, nor do they reflect the opinions of Chartered Accountants ANZ. To the fullest extent permitted by law, Chartered Accountants ANZ is not liable for any statement or opinion, or for any error or omission in this podcast, nor is it liable for any direct, indirect, special or consequential losses or damages of any kind, or loss of profit, loss or corruption of data, business interruption or indirect costs, arising out of or in connection with this podcast or the information contained in it, whether such loss or damage arises in contract, negligence, tort, under statute, or otherwise.

Small Firm, Big Impact is our long-form podcast exploring the biggest ideas, challenges, and opportunities reshaping smaller accounting firms across Australia and New Zealand.&nbsp;
Hosted by Lisa Lintern from CA ANZ External Affairs, each episode dives into the leadership perspectives, strategic decisions, and real-world stories that help smaller firms stay future-ready in a rapidly changing environment.&nbsp;
Whether&nbsp;it&rsquo;s&nbsp;innovation, practice growth, technology, client expectations, or the evolving role of the practitioner, these conversations give you context, clarity, and inspiration to lead with confidence.&nbsp;
For quick regulatory updates and time-sensitive news, explore our companion podcast,&nbsp;Small Firm, Big Impact Express.&nbsp;
&nbsp;
Disclaimer: The opinions and statements expressed in this podcast are provided for general information only and are not intended to be legal, professional or financial advice, nor do they reflect the opinions of Chartered Accountants ANZ. To the fullest extent permitted by law, Chartered Accountants ANZ is not liable for any statement or opinion, or for any error or omission in this podcast, nor is it liable for any direct, indirect, special or consequential losses or damages of any kind, or loss of profit, loss or corruption of data, business interruption or indirect costs, arising out of or in connection with this podcast or the information contained in it, whether such loss or damage arises in contract, negligence, tort, under statute, or otherwise.

Why acting early to restructure can save your client's small business

https://api.omny.fm/orgs/a34d9ae1-e217-41ad-8f3d-aae30005ee78/clips/e4f0bb7e-1c00-47f3-aac1-afc8001a590d/transcript

Changes to the capital gains tax

Impact of trusts tax on superannuation

Discretionary trust distributions

Key exclusions to the new measure

The truth about the so-called ‘death tax’ 

Franking credits and corporate beneficiaries

Carve outs for superannuation 

Recent CA ANZ advocacy with the Treasury

How you can support your clients

Final thoughts and resources

In this episode of Small Firm, Big Impact, we unpack the key updates from the recent Australian Federal Budget 2026-27 and what they mean for accounting firms and their clients. 

Treasurer Jim Chalmers has handed down one of the most significant budgets in recent times, with fundamental changes to taxation of capital and trusts.  

Our host, Zoe Delamare, Public Affairs Lead, is joined by Susan Franks CA, Australian Tax and Superannuation Leader and Tony Negline CA, Superannuation and Financial Advice Leader, to dive into the changes and what CA ANZ members need to know.  

In this episode, we discuss: 
Changes to the minimum tax on discretionary trust distributions  
How to advise super fund clients  
The impact of capital gains tax changes and valuation  
Practical ways to support clients  
How we can advocate for members  

Resources mentioned: 
CA ANZ Budget coverage  
Federal Budget webinar recording  
Visit the podcast page for more resources 

In this episode of Small Firm, Big Impact, we unpack the key updates from the recent Australian Federal Budget 2026-27 and what they mean for accounting firms and their clients.&nbsp;
Treasurer Jim Chalmers has handed down&nbsp;one of the most significant budgets in recent times,&nbsp;with&nbsp;fundamental&nbsp;changes&nbsp;to taxation of capital and trusts.&nbsp;&nbsp;
Our host,&nbsp;Zoe Delamare,&nbsp;Public&nbsp;Affairs Lead,&nbsp;is joined by&nbsp;Susan Franks CA,&nbsp;Australian Tax and Superannuation Leader and Tony Negline CA, Superannuation and Financial Advice Leader,&nbsp;to&nbsp;dive into the&nbsp;changes&nbsp;and what CA ANZ members need to know.&nbsp;&nbsp;
In this episode, we discuss:&nbsp;
<ul>
<li aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="3" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}" data-aria-posinset="1" data-aria-level="1">Changes to&nbsp;the&nbsp;minimum tax&nbsp;on discretionary trust distributions&nbsp;&nbsp;</li>
</ul>
<ul>
<li aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="3" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}" data-aria-posinset="2" data-aria-level="1">How&nbsp;to&nbsp;advise super fund clients&nbsp;&nbsp;</li>
</ul>
<ul>
<li aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="3" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}" data-aria-posinset="3" data-aria-level="1">The impact of capital gains tax&nbsp;changes and valuation&nbsp;&nbsp;</li>
</ul>
<ul>
<li aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="3" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}" data-aria-posinset="4" data-aria-level="1">Practical ways to support clients&nbsp;&nbsp;</li>
</ul>
<ul>
<li aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="3" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}" data-aria-posinset="5" data-aria-level="1">How&nbsp;we can advocate for&nbsp;members&nbsp;&nbsp;</li>
</ul>
Resources&nbsp;mentioned:&nbsp;
<ul>
<li aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="3" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}" data-aria-posinset="6" data-aria-level="1"><a href="https://www.charteredaccountantsanz.com/news-and-analysis/advocacy/australian-federal-budget">CA ANZ Budget coverage</a>&nbsp;&nbsp;</li>
</ul>
<ul>
<li aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="3" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}" data-aria-posinset="7" data-aria-level="1"><a href="https://players.brightcove.net/6015111615001/experience_60738bc87e43c800255113a9/share.html">Federal Budget webinar recording</a>&nbsp;&nbsp;</li>
</ul>
<ul>
<li aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="3" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}" data-aria-posinset="8" data-aria-level="1"><a href="https://www.charteredaccountantsanz.com/news-and-analysis/news/podcasts/small-firm-big-impact/s6e3-ato-gic-remission-why-decisions-vary-and-what-to-do">Visit the podcast page for more resources</a>&nbsp;</li>
</ul>

Key updates from the Federal Budget 2026-27 

Introduction

What is GIC and why it matters

Inside the GIC remission review (findings)

Why remission decisions are inconsistent

When GIC becomes unfair for clients

Recommendation: remission and payment plans

Can you challenge a GIC decision?

What practitioners can do instead

Recent ATO changes and what they mean

What’s next: online services for agents

In this episode of Small Firm, Big Impact, we unpack how the ATO manages remission of the General Interest Charge (GIC) and what it means for accounting firms and their clients. 

With rising cost pressures and increased scrutiny, GIC is becoming a bigger issue in practice. But how remission decisions are made, and why outcomes can vary, is not always clear. 

Our host, Lisa Lintern, is joined by Ruth Owen, Inspector-General of Taxation and Taxation Ombudsman, who shares insights from a recent review into GIC remission, and the key issues raised by CA ANZ members. 

In this episode, we discuss: 
How the ATO approaches GIC remission decisions 
Why inconsistency occurs, and what’s changing 
When practitioners should consider applying for remission 
Practical ways to support clients facing growing GIC 
What informal review options are available if decisions are declined 

Resources mentioned: 
CA ANZ submission on GIC remission 
Tax Ombudsman review into GIC remission 
ATO changes to GIC remission (January 2026) 
Visit the podcast page for more resources 

In this episode of Small Firm, Big Impact, we unpack how the ATO manages remission of the General Interest Charge (GIC) and what it means for accounting firms and their clients.&nbsp;
With rising cost pressures and increased scrutiny, GIC is becoming a bigger issue in practice. But how remission decisions are made, and why outcomes can vary, is not always clear.&nbsp;
Our host,&nbsp;Lisa Lintern,&nbsp;is joined by Ruth Owen, Inspector-General of Taxation and Taxation Ombudsman, who shares insights from a recent review into GIC&nbsp;remission,&nbsp;and the key issues raised by CA ANZ members.&nbsp;
In this episode, we discuss:&nbsp;
<ul>
<li aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="3" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}" data-aria-posinset="1" data-aria-level="1">How the ATO approaches GIC remission decisions&nbsp;</li>
</ul>
<ul>
<li aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="3" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}" data-aria-posinset="2" data-aria-level="1">Why inconsistency occurs, and what&rsquo;s changing&nbsp;</li>
</ul>
<ul>
<li aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="3" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}" data-aria-posinset="3" data-aria-level="1">When practitioners should consider applying for remission&nbsp;</li>
</ul>
<ul>
<li aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="3" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}" data-aria-posinset="4" data-aria-level="1">Practical ways to support clients facing growing GIC&nbsp;</li>
</ul>
<ul>
<li aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="3" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}" data-aria-posinset="5" data-aria-level="1">What informal review options are available if decisions are declined&nbsp;</li>
</ul>
Resources&nbsp;mentioned:&nbsp;
<ul>
<li aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="3" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}" data-aria-posinset="6" data-aria-level="1"><a href="https://www.charteredaccountantsanz.com/member-services/technical/tax/tax-in-focus/submission-to-tax-ombudsmans-review-on-remission-of-general-interest-charge">CA ANZ submission on GIC remission</a>&nbsp;</li>
</ul>
<ul>
<li aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="3" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}" data-aria-posinset="7" data-aria-level="1"><a href="https://www.taxombudsman.gov.au/reviews_reports/atos-management-of-remission-of-the-general-interest-charge/">Tax Ombudsman review into GIC remission</a>&nbsp;</li>
</ul>
<ul>
<li aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="3" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}" data-aria-posinset="8" data-aria-level="1"><a href="https://www.charteredaccountantsanz.com/member-services/technical/tax/tax-in-focus/first-steps-toward-greater-consistency-in-gic-remissions">ATO changes to GIC remission (January 2026)</a>&nbsp;</li>
</ul>
<ul>
<li aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="3" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}" data-aria-posinset="9" data-aria-level="1"><a href="https://www.charteredaccountantsanz.com/news-and-analysis/news/podcasts/small-firm-big-impact/s6e3-ato-gic-remission-why-decisions-vary-and-what-to-do">Visit the podcast page for more resources&nbsp;</a></li>
</ul>

ATO GIC remission: why decisions vary and what to do

Join Tax Management New Zealand (TMNZ) Strategic Advisor Chris Cunniffe FCA, as he reveals the findings of the 2025 Inland Revenue Satisfaction Survey, a joint initiative between TMNZ and Chartered Accountants Australia and New Zealand.

Chris provides insights into New Zealand’s rising tax debt, what agents think about IR’s increasing tax audit engagements, the rollout of the Government’s Investment Boost policy, and the experiences of tax agents dealing with Inland Revenue.

Resources referred to in this episode:
IR Satisfaction Survey Results slides
Smaller Practices Centre
Contact the podcast

Note: this episode was recorded in December 2025.

Join Tax Management New Zealand (TMNZ) Strategic Advisor Chris Cunniffe FCA, as he reveals the findings of the 2025 Inland Revenue Satisfaction Survey, a joint initiative between TMNZ and Chartered Accountants Australia and New Zealand.
Chris provides insights into New Zealand&rsquo;s rising tax debt, what agents think about IR&rsquo;s increasing tax audit engagements, the rollout of the Government&rsquo;s Investment Boost policy, and the experiences of tax agents dealing with Inland Revenue.
Resources referred to in this episode:
<ul>
<li><a href="https://www.tmnz.co.nz/wp-content/uploads/2025/11/TMNZ-IR-Satisfaction-Survey-2026.pdf">IR Satisfaction Survey Results slides</a></li>
<li><a href="https://www.charteredaccountantsanz.com/member-services/your-member-benefits/smaller-practices-centre">Smaller Practices Centre</a></li>
<li><a href="mailto:podcast@charteredaccountantsanz.com">Contact the podcast</a></li>
</ul>
Note: this episode was recorded in December 2025.

Inland Revenue Satisfaction Survey: Key Insights from NZ Tax Agents

https://api.omny.fm/orgs/a34d9ae1-e217-41ad-8f3d-aae30005ee78/clips/f0d2e86d-7ea5-49a5-8669-b3da0018282a/transcript

Why acting early to restructure can save your client's small business

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