Boutique advice.
Serious expertise.
We are a specialist cross-border wealth management brand serving expat professionals across Southeast Asia. Small enough to know your situation. Structured enough to handle its complexity.
Not a big bank. Not a solo operator.
Bratu Capital was founded in 2024 to fill a gap that most expat professionals know well: the advice they need doesn't exist in one place.
Expats often find themselves caught between jurisdictions. Their adviser understands their home country. Their local bank understands the country they now live in. Few understand both.
We built Bratu Capital for the people in between. Senior professionals who have spent years accumulating real wealth across multiple jurisdictions and need someone who can see the whole picture.
The brand operates as an introducer in collaboration with NEBA (BVI) Ltd. We are small by design, taking on a limited number of clients so we can actually know each situation. Any regulated activity is conducted by an appropriately authorised firm or individual under applicable laws.
Three things we do differently
We look at the whole picture
Most advisors see one account in one country. We map your entire financial situation across every jurisdiction you're connected to: your pension in the UK, your savings in Thailand, your tax residency, and your plans for wherever you end up next.
We keep the client list small
We don't grow by adding volume. We grow by delivering results that generate referrals. That means every client gets direct access to the advisor who knows their situation, not a junior account manager reading notes.
We disclose everything upfront
Our remuneration structure is explained in full before any engagement begins. No hidden commissions, no surprises in year two. If we can't make the numbers work for you honestly, we'll tell you that too.
Small team. Deep expertise.
Ciprian Bratu
7+ years in cross-border wealth management. Lived across 7 countries. Specialises in UK pensions, UCITS funds, and expat tax planning across SEA.
Full profile →Maria
Manages client onboarding, ongoing communications, and operational coordination across all active client relationships. The person who keeps everything running smoothly behind the scenes.
Boutique brand. Professional foundation.
Bratu Capital is a marketing and informational brand operating in collaboration with NEBA (BVI) Ltd. It does not hold regulatory authorisation and does not conduct regulated activities directly. Any regulated activity referred to on this website is conducted by an appropriately authorised firm or individual under applicable laws.
MCSI - Chartered Institute for Securities & Investment
Ciprian Bratu holds the Chartered MCSI designation from the CISI, the leading professional body for securities and investment professionals in the UK and internationally.
NEBA (BVI) Ltd - Collaboration Partner
Bratu Capital maintains a collaborative business relationship with NEBA (BVI) Ltd. Certain services may be facilitated through NEBA (BVI) Ltd, subject to the applicable Terms of Business and relevant service arrangements.
Cross-Border Specialist Experience
7+ years of specialist focus on cross-border wealth structures for European expat professionals across Southeast Asia, covering UK pensions, UCITS funds, estate planning, and multi-jurisdiction tax residency.
Informational Website
This website is for marketing and informational purposes only. Nothing here constitutes financial, investment, tax, or legal advice. See our disclaimer for full details.
Three things we won't compromise on
Specificity over generalism
We don't offer every financial service to every kind of client. We work in a specific niche with specific people and we know it well. Generalist advice for complex cross-border situations is how expensive mistakes happen.
Transparency before engagement
You will know exactly how we are paid, what the service includes, and what it will cost before you sign anything. Financial services has a long history of burying important information in small print. We don't do that.
Presence, not distance
We serve clients across Southeast Asia. We are in the same time zones, understand the same regulatory environments, and have lived the same expat experience. This is not advice from a desk in London.
See if we're the right fit
A Cross-Border Planning Session is a 30-minute call. We look at your situation, explain what we see, and tell you honestly whether working together makes sense.
Book a Planning Session
"Informed, focused and prepared. At the same time friendly and personable."
"Ciprian has been my financial advisor for 3 years now and our relationship has been a welcomed help for someone that is risk averse. His explanation of trends is helpful."
"Excellent financial advisor who understands the expat experience and provides tailored solutions for our unique situation."
"Ciprian's expertise in cross-border wealth management is exceptional. He takes time to understand your goals and provides clear, actionable advice."
"Professional, knowledgeable, and genuinely interested in helping me navigate my financial future as an expat."
"Ciprian takes a strategic approach to wealth management. His insights on tax-efficient investing have been invaluable."
"Trustworthy advisor who listens carefully and provides advice that genuinely aligns with my long-term goals."
"Ciprian has made the complexity of international wealth management understandable and manageable. Highly recommended."
"Professional, practical advice grounded in real-world expat scenarios. Exactly what I needed for my situation."
"Ciprian's deep understanding of international tax and pension issues is unmatched. A real asset for expat professionals."
"Clear communication, well-structured advice, and genuine care for client outcomes. Everything you want in an advisor."
Disclosure: bratucapital.com does not provide financial, investment or tax advice. It is specially designed to provide its users with general information. It does not give individual or specific advice on which products or services are the most appropriate for an individual’s particular circumstances. We may from time to time publish content on this site that has been created by affiliated or unaffiliated contributors. Bratu Capital is a trading name of NEBA Financial Solutions who are authorised by the Labuan Financial Services Authority & Regulated by the Monetary Authority of Singapore.
