Cross-Border Wealth Management for Globally Mobile Professionals

Tailored strategies to grow, protect, and transition wealth across borders,

so you can retire earlier, minimize taxes, and secure your family's legacy.

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Trusted by Employees of:

+100

Clients

+£ 40,000,000

Assets Under Management

+7 Years Experience

What We do

We Fix the Financial Headaches of Living & Investing Abroad

Whether you’re a British engineer in Kuala Lumpur, a French entrepreneur splitting time between ASEAN and Europe, or a German expat in Thailand, we solve the problems keeping you up at night.

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Retirement Certainty

Investment Clarity

Tax Efficiency

Generational Wealth

INDEPENDENT FINANCIAL ADVISOR

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.

Your Life Has 5 Time Zones. Your Money Shouldn’t.

Traditional "annual review" advisors fail expats. We monitor your wealth across:

- Pensions: EPF, UK QROPS, UAE end-of-service benefits.

- Properties: TRX condos, Dubai villas, Chiang Mai rentals.

- Investments: Interactive Brokers, eToro, StashAway.

Included in Every Plan:

✔️ Quarterly video reviews (recorded for your convenience).

✔️ Visa-linked contingency plans (sudden repatriation? We’ve got a 72-hour checklist).

✔️ Eldercare/education funding calculators (MYR, SGD, USD).

But I Already Have a Portfolio..

So did 80% of our clients—before they realized their "global" advisor missed:

- Currency mismatches: MYR assets + USD liabilities = silent wealth erosion.

- Tax drag: Overpaying 15–30% on dividends/interest.

- Liquidity gaps: Can’t access 50% of funds in <7 days.

Our Fix:

1. 60-second portfolio audit: Spot risks in your current holdings.

2. Real-time dashboard: Track MYR/SGD/USD assets on your phone.

Retire at 55 with MYR 30k/Month – Without Moving ‘Back Home

Expats retire earlier when they:

✔️Combine EPF withdrawals with Isle of Man annuity structures.

✔️Rent out Uk properties via tax-efficient SPVs.

✔️Hedge MYR exposure with Singapore T-bills.

Client Example:

*"Sarah, 55, retired to Bali with MYR 35k/month passive income from:

- UK rental properties (managed by us)

- Isle of Man trust dividends

- MYR-hedged global ETFs

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.

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

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.

Stewart Edmed

Vice President - Coca Cola

Jean-Baptiste Ansaldo

Financial Controller - Le Creuset

Nigel Gaston

Retired

Frequently Asked Questions

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.