Disclaimer
Last updated: February 2026
General Information Only
bratucapital.com is designed to provide general financial information to its users. Nothing on this website constitutes personalised financial, investment, tax, or legal advice. The content published here does not take into account your individual circumstances, financial situation, objectives, or needs.
You should not rely on any information on this site as the basis for making financial decisions. Before making any investment or financial decision, you should seek independent advice from a qualified professional who can assess your specific situation.
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Accuracy of Information
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Regulatory Information
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).
This website is intended for informational purposes and does not constitute a financial promotion in any jurisdiction where such communication would require prior regulatory approval.
For personalised financial advice tailored to your circumstances, book a consultation with Ciprian.
Book a Planning SessionWe help expats stop worrying about money and start living abroad with confidence.
Tailored cross-border wealth management for UK and European professionals in Southeast Asia.
Book a Planning Session
Your life spans five time zones. Your financial advice shouldn't come from one.
Your home-country advisor doesn't understand cross-border tax. Your bank in Malaysia doesn't know what a SIPP is. The large international firms you've heard of aren't interested unless the portfolio is eight figures.
You've spent years building real wealth across multiple countries. You need someone who can see the whole picture, not just the slice visible from one jurisdiction.
That's why we built Bratu Capital. For the expat professionals in between, the ones who are too international for local advice and too practical for generic offshore products.
We fix the financial headaches of living and investing abroad
Retirement Certainty
Know exactly where you stand. We map your pensions, savings, and projected income across every jurisdiction you're connected to, so you can see when you can retire and how much you'll have.
Investment Clarity
One portfolio, globally diversified, tax-aware, and structured for your specific residency. No more scattered accounts, hidden fees, or products you don't understand.
Tax Efficiency
Cross-border tax is where expensive mistakes happen. We structure your investments to work within your actual tax residency, not the one your previous advisor assumed.
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."
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.
We operate a fee-based advisory model. Our remuneration structure is explained in full before any engagement begins. No hidden commissions, no surprises in year two. Full details of applicable fees are disclosed to clients prior to engagement.
That's precisely what we do. Bratu Capital operates under NEBA Financial Solutions, regulated by Labuan FSA and MAS. We serve UK and European expat professionals across Malaysia, Singapore, Thailand, and the wider Southeast Asia region.
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