Family office for business owners:
from the company's profit to protected family capital
Protecting and transferring wealth to children
Investments with clear rules
Dividends - officially and regularly
Who is this service for
- You are the owner/co-owner of a profitable business. There is a profit, but dividends are irregular or "unofficial." You want to receive money to your personal accounts transparently and regularly.
- We need accounts in Ukraine/EU/USA We need a KYC/AML profile and support for opening accounts for you and your family members.
- Capital is dispersed Deposits, brokers, real estate, cash, crypto - without a single investment policy and reporting. You want simple rules and risk control.
- Thinking about inheritance You need to set up access and rules for children (trust/foundation/community investment fund, if necessary) and "not lose" the capital.
- Preparing for exit/attraction of investors or expansion abroad You need to have your ownership structure, flows and taxes in order.
- We need one center for coordinating advisors. Banks, brokers, lawyers, taxes - so that everyone moves according to an agreed plan.
What you get in the first 90 days
Dividends according to the rules + first payments
Result: You have a simple dividend policy, a calendar, and the first transfers to personal accounts. What we do: calculate "how much and when," coordinate taxes, and test payments through the bank.
Investment declaration + portfolio launch
Result: an approved investment mandate (goals, risk, currencies) and a portfolio with reporting. What we do: prepare an investment policy, select instruments/providers, launch and enable risk control.
Banking readiness + open accounts (UA/EU/US)
Result: a KYC/AML profile, personal/family accounts opened, and a set of documents for the future. What we do: compile a list of documents, prepare a dossier, and support communication with banks.
Inheritance and family access
The result: a clear scheme of "what belongs to whom and how it is transferred" (if necessary, a trust/foundation/community investment fund) and customized accesses. What we do: draw the ownership structure, prepare drafts of documents, and create a "family manual."
How we work
- Diagnostics (2-4 weeks) We collect facts about the business, assets, risks, and taxes.
- Plan (2-3 weeks) We agree on the dividend policy, KYC/AML, investment and inheritance contour.
- Implementation (1-3 months) We open accounts, set up structures, launch a portfolio, and report.
- Support (ongoing) Quarterly reviews, partner coordination, risk control.
Why Capital Times
Single audit: business + private capital
We cover both areas at the same time - we see the connection between the company's risks and personal capital, so that the solutions work as a system.
We withdraw dividends "in white"
We develop a transparent dividend policy and payout accounting to ensure that the owner regularly receives money to his personal accounts.
Strengthening corporate governance and asset structure
We establish management and structure business assets, reducing operational and ownership risks.
Building an investment strategy and launching a portfolio
We formulate a mandate, risk framework, asset classes and launch a portfolio for entire families.
Preparing a roadmap for international expansion
We help the owner to build a strategy for entering international markets so that investments and structures are aligned with growth plans.
Teaching families about financial decisions
We improve the financial literacy of family members to make clear and coordinated decisions.
Before → After cases
It was:
The business is profitable, but there are no dividends.
70% of operations are “gray”, and it is impossible to legally withdraw income.
Assets are unstructured and corporate governance is weak.
No banking infrastructure abroad; no investment planning.
Static (for 7 months):
The new dividend policy means payments are officially made to the owner’s personal accounts.
A plan to reduce gray area to 40% including taxes.
Management structure updated; CEO and CFO hired.
We opened accounts in Europe, structured and transferred part of the dividends.
Capital Times – advisor to the owner; investment budget and a separate personal portfolio.
It was:
90% of savings are cash without proof of origin.
Business assets are not structured and there is no exit strategy.
There is no banking infrastructure abroad; children are not involved.
Low financial awareness; personal investments are unprofitable.
Sustainable (in ~24 months):
Confirmed and digitized 50% of savings.
A corporate fund (CIF) was created to finance business and dividends.
Accounts for children in the EU have been opened; inheritance mechanisms have been introduced.
Training in corporate finance and investment; approved investment strategy, launch of new projects.
Formats of cooperation
Managers of your family office
Founder and Managing Partner of Capital Times.
Co-founder and board member of the Children of Heroes Foundation.
Expertise and experience
Sergiy has over 20 years of experience in investment and corporate finance. He has completed more than 35 M&A transactions in the IT, agro, logistics and industrial sectors. As an independent director and member of supervisory boards, he has a good understanding of corporate governance and protection of owners’ interests. He has participated in large-scale transactions involving international investors, including POSCO DAEWOO and other global players. He is a co-founder of the Children of Heroes charitable foundation, which supports children who have lost their parents due to war.
Value for Family Office
Sergey is responsible for strategic direction and comprehensive capital protection. His strengths are building long-term financial strategies, attracting partners and monitoring the implementation of investment decisions.
Chief Investment Officer at Capital Times.
Head of the R&D office.
Expertise and experience
Artem has over 13 years of experience in global financial markets. He has managed investment portfolios of more than $50 million and built strategies for private and corporate clients. He holds a PhD in economics and is the author of research and publications in macroeconomics and finance. He worked for leading investment companies Concorde Capital and HUG’S, and participated in the creation of investment committees and product strategies. He is an expert at industry conferences and forums.
Value for Family Office
Artem develops investment decisions and manages client portfolios. His strengths are in-depth market analysis, searching for new opportunities and building reliable capital growth strategies.
Leave your contacts and we will get back to you with 3-5 clarifications and offer the first steps for 90 days: dividends “in white”, accounts (UA/EU/US), investment mandate and succession plan.
What will happen next:
a short briefing call (15-30 minutes);
a basic action plan and budget range;
upon agreement, start preparing documents for the bank.
