We're not in the timeline to doubt anything, but Putin strikes me, a Russian living in Russia and closely following the politics at least of my own country, especially from the not-so-safe side, as someone who would not choose someone he can't control and have in his grasp to run anything like this.
Not to mention his paranoia, ego mania and the alleged financial skills that, again, allegedly let him win a lot of trust among the people de-facto making big decisions in Russia before he wriggled into presidency.
I don't doubt that Putin had dedicated financial managers at some point, it's just hard to belive it could've been anyone like Epstein, i.e. someone outside Russia or even Moscow where Putin could blackmail and hurt them or at least first treaten them into obedience, even with the eventual murder somewhere outside Russia (Litvinenko poisioning).
Not that nothing unexpected and hard-to-believe hasn't been surfacing for a while already, though.

Your reasoning is solid, but you're not a KGB agent with a financially challenged background and extreme paranoia with likely assortment of other psychological -pathies that shape your entire worldview.
Also, Putin sure seems like someone who isn't planning escape routes or anything - he's burn everything and everyone around him, maybe even himself, if he had to give up power (which we've been witnessing for a while).
Even if he had to flee Russia and rely on stashed wealth and secret locations and whatever, he would have probably used another framework, not some already well-known American citizen that does finances.