Company structure: MEI, ME or LTDA — when to switch regimes

## Why this lesson is in my voice

This is Alexandre Caramaschi. I have been responsible for the financial strategy of a demi-fine retail group for over a decade, and the question about legal format appears in almost every conversation with a starting founder. A mistake here is expensive because it lasts at least twelve months until the next migration window — and usually eighteen to twenty-four. This lesson is the direct map, with 2026 numbers.