Frequently Asked Questions

At Bratu Capital, we specialize in cross-border wealth management for European expats and globally mobile professionals. Unlike traditional advisors, we focus on simplifying complex financial challenges like inheritance tax planning, offshore property structuring, and multi-jurisdictional pensions. Our transparent model ensures your success is our priority.

Working with a financial advisor offers numerous benefits. First and foremost, advisors provide expertise and guidance tailored to your unique financial situation and goals. They can help you create a comprehensive financial plan, optimize your investments, minimize taxes, and ensure you're on track to achieve your financial objectives. Additionally, advisors offer peace of mind, knowing that you have a professional managing your financial affairs and helping you make informed decisions.

Choosing the right financial advisor is a critical decision. Start by assessing your own financial goals and preferences. Look for advisors with the appropriate qualifications and certifications, such as Chartered Institute for Securities & Investment (CISI) or Chartered Insurance Institute (CII). Consider their experience, specialization, and track record. It's also important to have a consultation or interview to ensure their approach aligns with your values and objectives. Lastly, check for transparency in fees and compensation to avoid surprises.

No, you don't need a large portfolio to benefit from financial advisor services. Financial advisors can assist individuals at various stages of their financial journey, from those just starting to save to those with substantial assets. Advisors can help you create a financial plan, manage debt, set up an emergency fund, and make the most of your resources, regardless of your current wealth. Their goal is to help you improve your financial well-being and work towards your financial goals, whatever they may be.

Yes! We harmonize pensions like UK QROPS, Swiss schemes, and EU-based annuities to ensure tax efficiency and compliance with local regulations. Whether you’re retiring in Portugal or working in Dubai, we’ll create a tailored plan to maximize your retirement income while avoiding unnecessary penalties.

We use tools like Isle of Man trusts and dual-language wills to protect your assets from high EU inheritance taxes (up to 40%). Our strategies ensure your heirs receive what you’ve worked hard for—without family disputes or tax surprises.

Not necessarily! While many of our clients have investable assets of €1M or more, we work with professionals at various stages of wealth-building. If you’re an expat or global professional seeking tailored financial solutions, we’re here to help.

Absolutely. We specialize in setting up offshore SPVs (Special Purpose Vehicles) to optimize rental income taxes on properties in locations like the UAE, Portugal, Cyprus, and the UK. Whether you’re buying or managing property portfolios, we’ll help you maximize returns while staying compliant with local laws.

Many expats unknowingly overpay due to complex cross-border tax rules. We conduct a comprehensive tax audit to identify inefficiencies and implement strategies like leveraging double-tax treaties or optimizing residency status to reduce your liabilities significantly.

We provide regular updates through biweekly email or WhatsApp communication and schedule quarterly reviews to ensure your financial plan stays aligned with your goals and any regulatory changes. For urgent matters, we respond promptly within 24–48 hours.