Hi. 👋
I'm Ciprian Bratu.
Managing Partner, Bratu Capital. Based in SE Asia.
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The origin story
I grew up in Romania at a time when nobody talked about money. Not because there wasn't any, but because nobody knew how. My parents couldn't teach me how the financial system worked because nobody had taught them. I watched people around me make avoidable mistakes for decades, not out of carelessness but out of ignorance.
That's still the thing that drives me most. When I became a father, it crystallised. The only way to break that cycle is to fix it one generation up: educate the parents, and the children grow up with something my generation never had.
That's the personal part. The professional part came from watching the expat community make the same mistakes, just with larger numbers.
I've lived in seven countries: Romania, Cyprus, the UK, UAE, Malta, and Malaysia. I know what it feels like to manage money across borders, to have a pension in one country while paying tax in another, to not know whether your home-country advisor even understands your situation. Most don't. They've never lived outside one jurisdiction.
The clients I work with are mostly senior professionals in oil and gas, banking, and education; people who have spent years building real wealth but haven't had anyone sit down with them and map the whole picture.
I work with a small number of clients so I can actually know each situation. If you're looking for someone to manage a portfolio and send you a quarterly report, there are cheaper options. If you want someone who will tell you what you're missing and help you fix it, let's talk.
Credentials you can verify
Senior expat professionals across Southeast Asia
Most of my clients are senior expat professionals who have been financially competent their whole lives, but nobody has ever looked at their full cross-border picture.
Primary client backgrounds
My own path
A few things I focus on specifically:
- International school fee planning across multiple countries
- International protection planning: life cover and medical insurance structured across jurisdictions
- Retirement structuring for people who don't yet know where they'll retire
- Malaysia foreign-sourced income tax planning under current FSI rules
- UCITS and Irish-domiciled accumulating funds for tax-efficient investing outside the UK
- UK pensions for expats: QROPS, SIPP, and voluntary NI contributions
- EU succession and inheritance tax planning for European nationals living abroad
- Cross-border estate planning across SEA jurisdictions
From the blog
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Last updated: February 2026
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Bratu Capital is a trading name of NEBA Financial Solutions. NEBA Financial Solutions is authorised by the Labuan Financial Services Authority (Labuan FSA) and regulated by the Monetary Authority of Singapore (MAS).
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For personalised financial advice tailored to your circumstances, book a consultation with Ciprian.
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’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.
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.
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.
Marie-Louise Pearson
Teacher
Matt D. Wieland
Senior Industial Consultant
Girish Menon
Vice President