X-Ray — Structure & Portfolio Audit
Most capital owners hold assets across several countries and never see the whole picture in one place. X-Ray consolidates everything — real estate, business, instruments, crypto, liabilities, cashflow — into a single capital map, surfaces hidden losses and risks, and hands you a concrete 6-12 month roadmap. It is a systematic analysis, not a consultation.
Led by Olga Zueva, Company, Banking & VisasWhen your assets are spread across jurisdictions, you stop managing capital and start managing chaos. There is no unified picture, so you don't actually know your real net worth. Inefficiencies stay hidden: underperforming assets, tax gaps, currency and country imbalances, liquidity that isn't where you need it. And without consolidation, any strategic decision — where to grow, what to protect, how to restructure — is a guess.
X-Ray gives you, for the first time, a view of your capital as a single system rather than a pile of separate assets. We run a deep audit across every asset class and your liabilities, cashflow and jurisdictions; detect the inefficiencies and risks hiding in the structure; and consolidate it all into one capital map — net worth, structure, cashflow, and a risk map in one place. On top of that map sits a strategy and a 6-12 month roadmap: goals, target structure, allocation, jurisdictions, protection, with concrete steps. Because it is run through the lens of banks and regulators, the verdict is honest — if part of the picture won't pass, we tell you directly.
A 30-45 minute high-level diagnostic surfaces 3-5 key risks and quick wins, so you can see whether a full audit is worth it before committing.
You describe your situation and goals; we send a tailored document checklist covering assets, liabilities, structure and source of funds, and agree the depth of the audit.
Over roughly 2-4 weeks we audit every asset class, liabilities, cashflow and jurisdictions, then consolidate them into a single capital map: net worth, structure, cashflow and a risk map.
A 2-3 hour working session on family goals, risk profile and scenarios (growth / protection / exit) turns the map into a direction you actually want.
You receive a written 6-12 month roadmap with concrete steps and an honest verdict, then decide what to do next — with no pressure to proceed.
- → Deep audit across all asset classes — real estate, business, financial instruments, crypto
- → Liabilities and cashflow analysis
- → Risk map covering taxes, banks and structure
- → Consolidation into a single unified capital map — net worth, structure, cashflow
- → Asset allocation strategy
- → Jurisdictional analysis
- → 6-12 month roadmap with concrete, prioritized steps
- → Written PDF report and a strategy session covering growth / protection / exit scenarios
- — Discretionary asset management or trading on your behalf
- — Any guarantee of investment returns
- — Aggressive or speculative strategies
- — Execution of the roadmap itself — structuring, accounts, and ongoing oversight are separate engagements
Light X-Ray: 30-45 minutes. Full X-Ray: roughly 2-4 weeks for the deep audit and consolidation. Strategy session: 2-3 hours. Where a banking-lens pre-screen is run alongside, offline analysis typically takes 5-7 business days.
- · Transparent disclosure of your assets, liabilities and ownership structure
- · Documentable source of funds / source of wealth (banks and regulators require traceability, not verbal explanations)
- · Timely responses during the document-collection stage
- · Where external banks or asset managers are already involved, access to the relevant statements and details
This is X-Ray's home. The free Light X-Ray and the Full Structure & Portfolio Audit live here: deep audit, risk map, consolidated capital map, allocation strategy, jurisdictional analysis and a 6-12 month roadmap, ending in a clear verdict on whether and how to proceed.
Not the focus of X-Ray. The audit's roadmap may point toward L1 steps (residency, personal banking, tax-residency strategy), but those are delivered as separate engagements.
Not included. X-Ray can scope and sequence company setup, corporate banking and real-estate moves, but executing them is a separate Setup engagement.
Not included in the audit, but the natural downstream of it. The roadmap typically feeds L3 work — wealth oversight, foundation / asset protection, custody structuring — delivered as ongoing engagements.
X-Ray — Structure & Portfolio Audit is included in the L0 engagement level. Most clients reach it as part of a sequenced engagement, not as a one-off.
Company formation, bank account opening, residency, visas, compliance
100+ applications: runs company, bank account, visa and compliance as one process — the bank account is the real test, not the company.
Request a pre-screen with Olga ZuevaIs this just a consultation?
No. A consultation is a conversation; X-Ray is a systematic analysis with a deliverable. You receive a consolidated capital map, a risk map across taxes, banks and structure, and a written 6-12 month roadmap with concrete steps.
My assets are spread across several countries and a few asset classes. Can you actually consolidate that?
Yes — that is the core of the work. We audit real estate, business interests, financial instruments and crypto alongside liabilities and cashflow, across every jurisdiction, and bring them into one unified picture so you can see your real net worth and structure in a single place.
Do I have to commit to the full audit upfront?
No. It starts with a free 30-45 minute Light X-Ray that surfaces 3-5 key risks and quick wins. Only if it's worth your while do you move to the Full X-Ray. Every step delivers value and every step is your choice.
Will you manage or invest my money after the audit?
X-Ray itself does not include discretionary management, trading on your behalf, or any return guarantee. It gives you the map, the strategy and the roadmap; ongoing oversight and management are a separate engagement you can choose to take up afterward.
What if part of my structure won't hold up to bank or regulator scrutiny?
We tell you directly. The audit is run through the lens of banks and regulators, so the verdict is honest — if something won't pass, you'll know before you act on it, not after. Across diagnostics of this kind, a meaningful share of cases come back as decline rather than proceed.
Not sure where you stand?
Request a 15-minute pre-screen with a named expert. You'll get a realistic Banking Roadmap — no obligation.
No pitch. If we can't take your case, we'll tell you.
Olga Zueva · Company, Banking & Visas