Boutique advice.
Institutional backbone.
We are a specialist cross-border wealth management firm 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 Kuala Lumpur in 2024 to fill a gap that most expat professionals know well: the advice they need doesn't exist in one place.
Their home-country advisor doesn't understand cross-border tax. Their bank in Malaysia doesn't know what a QROPS is. And the large international firms they've heard of aren't interested unless the portfolio is eight figures.
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 firm is small by design. We take on a limited number of clients so we can actually know each situation. Behind that boutique structure sits the regulatory infrastructure, compliance framework, and institutional partnerships of the wider NEBA network, regulated by Labuan FSA and MAS.
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. Based in KL, 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 firm. Institutional backing.
Bratu Capital operates under the regulatory infrastructure of NEBA Financial Solutions, a multi-jurisdictional financial services group regulated across Malaysia, Singapore, UAE, South Africa, and the UK.
Labuan Financial Services Authority
NEBA Financial Solutions is licensed and regulated in Malaysia by the LFSA, providing the compliance and regulatory framework for Bratu Capital's advisory operations.
Monetary Authority of Singapore
NEBA Private Clients PTE Ltd is authorised by MAS as a Financial Adviser, extending the regulatory coverage of the NEBA network into Singapore.
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 Global Network
As part of the wider NEBA network, Bratu Capital clients benefit from compliance infrastructure, institutional partnerships, and operational support that no single-advisor firm could build independently.
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 are based in Kuala Lumpur and 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 SessionDisclosure: 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.
