Plan Your Financial Future
In today's complex financial landscape, my expertise is here to help you navigate the uncertain markets and design a customised plan that aligns with your unique financial goals and aspirations.
What We do
Ethical and Fiduciary Responsibility
As truly Independent fiduciaries advisors, we hold ourselves to the highest ethical standards. Your financial interests always come first, and we are dedicated to providing you with unbiased advice that is solely in your best interest. You can trust us to act with integrity and professionalism.
Financial Guidance Tailored to Your Specific Needs
At Bratu Capital, we understand that financial situations are unique to each individual. That's why we are taking a hands-on approach where we are tailoring our expertiese to your situation and create a holistic plan that can support you through the financial journey.
Comprehensive Financial Planning
Financial planning is more than just 1 appointment a year and you are on your way. Having a yearly comprehensive review and keeping in touch on a quarterly basis means that you will benefit from expertise all throughout the process.
Regardless if is retirement planning, investment management, tax planning, generational wealth or one-off lump-sum, we are here to support you.
Investment Management
A portfolio can be tailored to your needs and your risk attitude. Taking in consideration all other investments we can align your plans and goals, making sure they are on track and achieve them.
With access to cross-boarder funds and managers from top companies worldwide, your investments are safeguarded and on track of achieving maximum growth.
Retirement Planning
Thinking about retirement can be a difficult process for expatriates when you have to take into account different countries, currencies and tax jurisdictions.
With our simple approach, we are mitigating risks without compromising the returns of your investments and making sure you are always in close contact with your retirement plans.
Many of our clients have reach their retirement goals early and now they are enjoying the golden years doing what they've always dream to do.
Estate Planning and Generational Wealth
Working hard all your life around the world, far from friends and family to provide a good life for our close family and an easier start in life for your children is something that all of us we've been doing.
Making sure the funds are transferred to your heirs in a tax efficient manner, maximising the growth, minimising the tax burden and simplyfying the process is our priority.
What Are My Clients Saying?
I am proud to have helped countless clients achieve their financial goals. But don't take my word for it!
My testimonials highlight the personalized service, expert advice, and real results I deliver to each and every client.
I have been working with Ciprian for the past years and I am very happy with his approach and advice. He is always available to answer my questions and he takes the time to understand my individual needs holistically as I go through the financial phases of life. He has helped me to develop a financial plan that meets my goals and he has provided me with valuable insights into the financial markets.I would highly recommend Ciprian to anyone who is looking for a knowledgeable and experienced financial advisor.
Stewart Edmen ★★★★★
Ciprian has been an invaluable asset to my financial planning for several years. His market knowledge, punctuality, and exceptional ability to simplify complex financial concepts have greatly contributed to my financial planning success. With Ciprian's guidance, I've navigated the financial landscape with ease and clarity. He's a true professional in every sense
Jean-Baptiste Ansaldo ★★★★★
My wife and I are absolutely delighted to be working alongside Ciprian. He has arrived just at the right time, following some 'challenging' experiences with several disappointing and unreliable financial advisors. Ciprian is the real deal - supportive, experienced, knowledgeable, empathetic, reliable and has a real grasp of our financial needs. He is always accessible, easy to contact and it is ultimately very reassuring for us to know that he is only ever a zoom call, WhatsApp message or email away. Highly recommended.
Nigel Gaston ★★★★★
What is the benefit of working with a financial advisor?
Working with a financial advisor offers numerous benefits. First and foremost, advisors provide expertise and guidance tailored to your unique financial situation and goals. They can help you create a comprehensive financial plan, optimize your investments, minimize taxes, and ensure you're on track to achieve your financial objectives. Additionally, advisors offer peace of mind, knowing that you have a professional managing your financial affairs and helping you make informed decisions.
How do I choose the right financial advisor for my needs?
Choosing the right financial advisor is a critical decision. Start by assessing your own financial goals and preferences. Look for advisors with the appropriate qualifications and certifications, such as Chartered Institute for Securities & Investment (CISI) or Chartered Insurance Institute (CII). Consider their experience, specialization, and track record. It's also important to have a consultation or interview to ensure their approach aligns with your values and objectives. Lastly, check for transparency in fees and compensation to avoid surprises.
Do I need a large portfolio to benefit from financial advisor services?
No, you don't need a large portfolio to benefit from financial advisor services. Financial advisors can assist individuals at various stages of their financial journey, from those just starting to save to those with substantial assets. Advisors can help you create a financial plan, manage debt, set up an emergency fund, and make the most of your resources, regardless of your current wealth. Their goal is to help you improve your financial well-being and work towards your financial goals, whatever they may be.
After many years of dealing with many financial advisors, who were really just sales people, I was very pleased to find Ciprian. He has a very strong understanding of global finance and does not just use a one size fits all approach. He has grown my portfolio significantly and is always available to assist with my queries and concerns. I highly recommend him!
Janice Connolly★★★★★
I have the pleasure of working with Ciprian Bratu as my Finance Manager, and I can confidently say that he is an exceptional professional. Ciprian is instrumental in helping me align my savings plan with my financial goals. His knowledge and expertise in financial planning are unparalleled, and he always goes above and beyond to ensure that I have a clear understanding of my financial situation.Ciprian's communication skills are outstanding, and he is always available to answer any questions or concerns that I had. He truly cares about his clients' financial success and was dedicated to helping me achieve my goals. I highly recommend Ciprian to anyone seeking a talented, knowledgeable and caring finance professional. Thank you, Ciprian, for your outstanding support!
Roxanne Castillo ★★★★★
Ciprian is one of those rare financial advisors who genuinely cares about the long term well being of his clients. His focus is always long term and his offers proper advice that is not focused on just selling the next product. Thank you Ciprian for all the support and advice you have given to me in both good and hard times to grow my financial portfolio.
Andrew Marambos★★★★★
International Financial Planner
Let's have a chat about your finances, no fluff.
In our 30-min Zoom catch-up, we'll dive into:-Any money concerns you've got right now-Your current investments and insurance plans-Boosting your investment gains-Cutting down your ongoing fees-Tailoring advice that fits your financial path like a gloveJust pick your ideal time and leave the rest to us.
Easy peasy!
Ciprian is a highly committed financial advisor, who takes a genuine interest in his clients and gives useful guidance based on wide ranging experience. He has advised me on investment and pension matters, and his advice has been very helpful to date.
Dr Nigel Grigg ★★★★★
Ciprian is by far the most pro-active & reliable advisor that I have had the privilege of working with so far.Over the past two years he has always responded to my enquiries in a timely and professional manner, and I have come to rely on his advice in respect new product opportunities.Ciprian is a personable, hard working, & knowledgeable advisor who I highly recommend.
Scott Kelsick ★★★★★
I have worked with Ciprian for years and he consistently exceeded my expectations. His deep understanding of the financial markets and his talent for clear communication makes him a standout advisor
Rutgert van den Noort ★★★★★
UK State Pension - NI Contributions
✅Have you worked in the UK for a minimum of 3 year?✅Do you remember your National Insurance Number?
If the answer to these 2 questions is Yes,
you have what it takes to pre-qualify for the UK State pension.
The only form you need to restart your contributions in your UK State Pension
I’ve known Ciprian in the capacity of financial advisor since April 2020 when he thankfully stepped in to replace another. Before all else, he made sure to build up a rapport and establish how he could support and rescue a fund that was losing value thanks to the effects of the pandemic. I found him to be a great listener and well-versed in his field. He has been consistently supportive and available for reviews. He’s pro-active in contacting to book for pre-determined reviews. I highly recommend Ciprian and hope you’ll be lucky enough to have him as your financial advisor.
Marie-Louise Pearson ★★★★★
I have worked with Ciprian for the last couple of months and from the very beginning, he has been a great listener and advisor with sound knowledge of the developments and products in the global financial markets. Ciprian's style of getting to know the customer and the specific needs makes me feel very comfortable since he is pro-active and most dedicated, but not pushy and over-ambitious. That's why I am very happy to recommend him as a reliable, professional and at the same time empathic financial advisor without hesitation.
Matt D. Wieland ★★★★★
Ciprian has been my investment advisor for several months now. I find his work extremely professional and precise, taking into account my risk profile and my investment needs. He provides regular updates on my existing investments and makes me aware of suitable new opportunities. He has also looked at my medium- and long-term requirements and has made interesting recommendations. In addition to the above, he makes an effort to be aware of key events in personal life and this brings an element of personalization and warmth to our professional relationship. I wholeheartedly recommend Ciprian as an extremely competent and trustworthy investment advisor who is very easy to work with.
Girish Menon ★★★★★