Prepared for Marcus Dimyan
Oleavine · Imako · Dr. Bukk | E-Commerce
Section I
This briefing was prepared specifically for Marcus Dimyan based on publicly available information and details shared during our initial conversation. It is intended to help Marcus evaluate whether a Premium Finance arrangement may be worth exploring further.
Business Profile
Name
Marcus Dimyan
Primary Business
Oleavine / Imako / Dr. Bukk
Industry
E-Commerce — Consumer Goods
Market
United States (Nationwide)
Business Structure
LLC Partnerships (Pass-Through Entities)
Estimated Annual Revenue
~$4–5M Gross
Estimated Margin Profile
~80% Gross Margin
Operating Locations
New York & Boston
Business Context
Marcus Dimyan is the founder and primary operating member of a multi-brand direct-to-consumer e-commerce portfolio. His brands — Oleavine, Imako, and Dr. Bukk — each serve distinct consumer markets within the health, wellness, and cosmetic space, all sold online across the United States.
Oleavine focuses on plant-based, professional-grade skincare formulas — tea tree and neem-infused products for foot and body care. Imako is a cosmetic teeth brand with over 100,000 customers and significant viral traction on social platforms. Dr. Bukk serves a related dental cosmetics niche with a distinct brand voice.
The portfolio operates through two LLC partnerships — one held under an umbrella trust (Marcus only), and one with four partners. Marcus functions as the CEO and primary operator across all entities, with gross revenue in the $4–5M range and margins that reflect a high-efficiency, product-based e-commerce model.
Owner Profile
Marcus is a growth-focused entrepreneur who is actively engaged in tax efficiency and wealth strategy. He has an established CPA relationship that handles planning for himself and his family — and he values that relationship. He is not looking to replace his existing advisor; he is looking to complement and expand what is already in place.
His stated priorities include minimizing his personal tax burden, keeping more capital inside the business and personally, and exploring advanced structures that other business owners at his level are using. He describes himself as someone who is "always interested in learning new workarounds" — and he is open to strategies that go beyond traditional retirement accounts.
Section II
A plain-language explanation of how a Premium Finance arrangement works — and why some business owners choose to have a funding partner help cover the cost of a financial protection program.
The Core Idea
A Premium Finance arrangement allows a third-party funding partner to cover the annual cost of a financial protection program on your behalf. Instead of writing a large check out of your own pocket each year, the funding partner handles that payment — and you retain the use of that capital inside your business or personally.
For a business owner like Marcus — running a high-margin e-commerce operation with active reinvestment needs — keeping capital available for inventory, marketing, and growth is a practical priority. Premium Finance is one way to maintain a meaningful financial protection program without pulling that capital out of the business.
How It Works
A Premium Finance structure is a funding arrangement where a third party covers the cost of your financial protection program. The program itself is designed to accumulate value over time — and that accumulated value can serve as collateral for the funding arrangement, reducing the out-of-pocket requirement for the owner.
Over time, if the program performs as designed, the owner may be able to exit the arrangement with the program fully in force — having had outside funding help pay for it along the way. This is not a guarantee, and every arrangement carries risks that must be reviewed carefully before any decision is made.
The Route
Design
A financial protection program is designed around your goals, structure, and tax situation.
Funding Partner
A third-party funding partner covers the annual program cost, rather than the owner paying out of pocket.
Accumulation
The program accumulates value over time. That value may serve as collateral for the funding arrangement.
Exit or Continue
At a planned point, the owner reviews options: exit the arrangement, continue, or restructure — based on performance and goals.
Section III
Six areas where a Premium Finance arrangement may be worth exploring, based on Marcus's business model, structure, and stated priorities. These are starting points for conversation — not final recommendations. Any recommendation requires a full review of Marcus's financials, tax situation, and goals.
E-Commerce Reinvestment Priority
E-commerce growth is capital-intensive. Inventory, paid media, and platform fees compete for every available dollar. A Premium Finance arrangement may allow Marcus to maintain a meaningful financial protection program without redirecting capital that could otherwise fund the next product launch or marketing campaign.
LLC Partnership Structure
Marcus's businesses are pass-through entities — income flows to his personal return. Certain financial protection programs, when structured correctly, may offer tax-advantaged accumulation and distribution. This is an area where coordination with his existing CPA would be essential before any design is finalized.
Key Person & Family Continuity
Marcus is the primary operator across multiple brands. If something were to happen to him, the business could face significant disruption. A well-designed financial protection program can address both personal family continuity and business continuity — simultaneously, through a single structure.
Non-Qualified Strategies for Business Owners
Marcus has expressed interest in strategies that go beyond traditional retirement accounts. Certain financial protection programs can accumulate value on a tax-advantaged basis, providing a wealth-building vehicle that is separate from the business — and accessible on a tax-efficient basis in the future.
Multi-Brand Portfolio Considerations
As Marcus's portfolio grows toward and potentially beyond the $5M net worth range, planning for a future exit, sale, or succession becomes increasingly relevant. A financial protection program can serve as a liquidity tool at exit — providing options that are not dependent on the sale price or timing of the business.
Multi-Partner LLC & Family Business Context
Marcus operates with business partners in one of his LLCs, and his family — including his father and brother — are also business owners. A thoughtfully designed financial protection program can be structured to address both Marcus's personal goals and the interests of his business partners and family, without creating conflicts.
Section IV
A summary of the potential owner-level benefits of a Premium Finance arrangement, framed around Marcus's specific situation and priorities.
Rather than writing a large annual check, a funding partner covers the cost of the program. Marcus retains that capital — available for inventory, paid media, or personal use.
When designed correctly, the program may accumulate value on a tax-deferred or tax-advantaged basis — a meaningful benefit for a pass-through owner with a 20–30% effective personal rate.
Stefan's role is to work alongside Marcus's existing CPA, not to replace them. Any structure would be coordinated with Marcus's tax advisor to ensure alignment with his overall plan.
A single, well-designed program can provide financial protection for Marcus's family and address business continuity concerns — without requiring two separate strategies.
E-commerce businesses can be volatile. A financial protection program provides a wealth-building vehicle that is separate from the business — reducing concentration risk over time.
As the portfolio grows, having a liquid, tax-efficient asset outside the business gives Marcus more options at exit — whether that is a sale, a partnership transition, or a long-term hold.
Section V
Plain answers to the questions Marcus is most likely to have — before, during, or after our conversation.
Section VI
To make the most of our time together, it helps to have a few things in mind before we speak. The following questions are not required — they are simply a guide to help focus the conversation on what matters most to Marcus.
Business Priorities
What are the most capital-intensive parts of your business right now?
Understanding where Marcus's capital is most actively deployed — inventory, paid media, platform fees, or team — helps determine how much flexibility exists for a financial protection program.
Cash Flow & Liquidity
How much capital do you typically keep available as a business reserve?
A Premium Finance arrangement should never compromise Marcus's ability to operate and grow. Knowing his liquidity comfort level helps determine whether the structure is appropriate.
Tax Goals
What does your current effective personal tax rate look like, and where would you like it to be?
Marcus has expressed interest in moving his effective rate toward 0–5%. Understanding the current baseline and what strategies are already in place helps identify where a financial protection program may add value.
Business Structure
How are your LLCs and umbrella trust currently structured for tax and ownership purposes?
The interaction between a financial protection program and Marcus's existing LLC and trust structure is one of the most important technical questions. This would be reviewed with his CPA.
Risk Comfort
How do you think about financial risk — in the business and personally?
Premium Finance carries real risks, including the possibility that the program underperforms projections. Understanding Marcus's risk tolerance is essential before any arrangement is designed.
Long-Term Vision
What does success look like for you in 10–15 years — for the business and personally?
Whether Marcus is building toward a sale, a long-term hold, or a transition to partners affects how a financial protection program should be designed and when it should be structured.
Family & Partner Considerations
Are there family members or business partners whose financial planning should be considered alongside yours?
Marcus's father and brother are also business owners, and he has business partners in one of his LLCs. There may be planning opportunities across the family and partnership that are worth exploring.
Existing Advisor Coordination
Would you be open to including your CPA in a follow-up conversation once we have a preliminary design to review?
Any recommendation Stefan makes would be designed to work alongside Marcus's existing CPA — not replace them. Early CPA involvement helps ensure the structure is technically sound and consistent with Marcus's overall tax plan.
Section VII
A transparent account of what was confirmed, what was inferred, and what remains to be verified before any recommendation is made.
Company Website — imako.com
Confirmed. Imako is a direct-to-consumer cosmetic teeth brand with over 100,000 customers. Products include cosmetic teeth, temporary tooth solutions, and natural dental care items. The site references U.S.-based manufacturing, a 30-day guarantee, and significant social media traction (4M+ TikTok views). Revenue and margin figures were not publicly disclosed on the website.
Company Website — oleavine.com
Confirmed. Oleavine is a plant-based skincare brand focused on tea tree and neem-infused formulas for foot and body care. Products include TheraTree Soap, Body Wash, Lotion, Toner, and Exfoliating Scrub. The brand emphasizes natural, professional-grade, sulfate- and paraben-free formulations. Some products were listed as out of stock at the time of review.
Company Website — drbukk.com
Confirmed. Dr. Bukk is a dental cosmetics brand with a distinct, humorous brand voice. The brand sells cosmetic teeth products and cross-references Imako for cosmetic applications. The site is built on Shopify and appears to be a complementary brand within the same portfolio.
LinkedIn Profile — Marcus Dimyan
Attempted. The LinkedIn profile at the provided URL was not publicly accessible without authentication. No profile details could be confirmed directly from LinkedIn. All professional details in this briefing are drawn from the executive summary provided by Stefan Belhomme.
Executive Summary — Provided by Stefan Belhomme
Primary source for financial, structural, and personal details. Includes: gross revenue (~$4–5M), margin profile (~80%), LLC partnership structure, umbrella trust, CPA relationship, stated tax goals (0–5% effective rate), and meeting logistics. These details were provided by the advisor and have not been independently verified.
Revenue & Margin Figures
Based on figures shared during Marcus's initial conversation with Stefan. Marcus indicated gross revenue of approximately $4M, with a later reference to 'about five.' Margin of ~80% was stated. These figures have not been independently verified through financial statements or tax returns.
Business Structure
Based on the executive summary. Two LLC partnerships confirmed: one held under an umbrella trust (Marcus only), one with four partners. The specific legal structure of the umbrella trust and the nature of the partnership agreements have not been reviewed.
Tax Profile
Based on the executive summary. Estimated personal effective tax rate of 20–30%. Marcus indicated that his businesses report minimal taxable income at the entity level. These figures are estimates and should be verified with Marcus's CPA before any tax-related recommendation is made.
Tax Caveat
Nothing in this briefing constitutes tax advice. Any tax-related observations are general in nature and based on publicly available information about pass-through entity taxation. All tax-related recommendations must be reviewed and approved by Marcus's CPA before implementation.
Industry Observations
General observations about e-commerce cash flow, capital intensity, and owner liquidity concerns are based on widely documented industry patterns and are not specific to Marcus's businesses. They are included to provide context, not as confirmed facts about Marcus's specific situation.