The time with them is the point. The plan makes room for it.
Cross-border financial planning for European families abroad: pensions, tax-efficient investing and estate planning in one plan.
Ciprian Bratu, Chartered MCSIAdvising European families in Southeast Asia and the Middle East. 4.9 stars from 80+ reviews. 
Why Expat Financial Planning in Southeast Asia Is Different
The typical expat client isn't undisciplined or uninformed. They're a highly competent professional who has been applying advice designed for someone who never left home.
Your pension is in one jurisdiction. Your income arrives in another currency. Your savings are split across three countries. Your estate plan assumes a country you no longer live in. No amount of budgeting fixes that. Restructuring does.
Currency is a risk most expats underestimate until they can't ignore it. Earning in one currency, spending in another, with retirement savings in a third, and no one actively managing the exposure.
Cross-Border Wealth Management for UK & European Expats
Retirement Certainty
We map every pension, savings account, and projected income stream across every jurisdiction you're connected to. DB schemes, SIPPs, AGIRC-ARRCO, AOW. We build the full picture, then show you exactly when retirement becomes possible and on what terms.
Investment Clarity
Irish-domiciled accumulating UCITS funds are our default for globally mobile clients. Not because they're fashionable, but because they're structurally sound for anyone who may change tax residency or wants to avoid US estate tax exposure. One architecture, built to travel with you.
Tax Efficiency
Cross-border tax is where the most expensive mistakes happen, often years before anyone notices. We structure your investments for your actual tax residency, account for double taxation treaties where they apply, and correct the mismatches left behind by advisors who only saw one jurisdiction.
Real people. Real results.
"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."
"Even though my investments are relatively modest, he's consistently made me feel valued. Never rushed, never overlooked. He takes the time to explain every option thoroughly."
"After 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."
Try the numbers before you talk to anyone
Where should you retire?
Enter your pension and investment income. See what it buys in 12 places, from Penang and Chiang Mai to Valencia and Dubai, after tax.
Compare places →What would moving abroad save you?
Pick your salary and your city. See your take-home pay in 18 cities across Europe, the Gulf and Asia, with the local tax rules applied.
See the board →Is your retirement plan on track?
Answer a few questions about your age, savings and pensions. Get your retirement score and the size of any gap, in two minutes.
Take the scorecard →Here's what to expect
Discovery Call
A 30-minute video call to understand your situation, your goals, and whether we're the right fit. No commitment, no sales pitch.
Your Financial Map
A 60-90 minute deep dive where we map your full financial picture across every jurisdiction. Pensions, savings, tax exposure, currency risk, and the gaps nobody has shown you before.
Your Plan
We present a clear, structured recommendation tailored to your situation. You'll see exactly what we propose, why, what it costs, and what happens next. No pressure, the decision is yours.
Here's what people ask before booking
We typically work with clients who have $250,000 or more in investable assets. That said, if you're a senior professional in the early stages of building cross-border wealth and need a clear plan, we're happy to have a conversation.
Our fee is 1% a year on the assets we manage, with no product-linked incentives. It is explained in full before any engagement begins, with no surprises in year two. Full details of applicable fees are disclosed to clients prior to engagement.
Yes. Bratu Capital is a trading name of NEBA Private Clients Ltd, and we work with UK and European expat professionals across Malaysia, Singapore, Thailand, and the wider Southeast Asia region. NEBA Private Clients group companies are regulated by the Labuan Financial Services Authority in Malaysia, the Monetary Authority of Singapore and the Securities and Commodities Authority in the UAE.
It depends on your specific situation, which is exactly why generic advice is dangerous here. We look at your pension type (DB, DC, SIPP), your current and future tax residency, and your retirement timeline to determine the best course of action. Sometimes that means leaving it where it is. Sometimes it means restructuring. We'll tell you honestly.
Your financial plan moves with you. We build strategies that account for mobility, not just your current address. When you relocate, we reassess your tax position, investment structure, and pension access to make sure everything still works.
See if we're the right fit
A Cross-Border Planning Session is a 30-minute video call. We look at your situation, explain what we see, and tell you honestly whether working together makes sense.
Book a Planning Session