About Us
Look, most people don't wake up excited about insurance. But here's the thing — without proper wealth protection, everything you've built can vanish overnight. That's where we come in. We're not some faceless corporation spouting buzzwords at you. We're locals who understand that your money isn't just numbers on a statement. It's your family's future. Your kids' education. Your retirement dreams. We've been helping folks in Cluj-Napoca and beyond protect what matters most for 13 years. And we do it the old-fashioned way — by actually listening to what keeps you up at night.
Over time, we’ve built a reputation for reliability, quality, and clear communication. We treat each project as a partnership and aim for outcomes that last.
Our Story
Started in 2011 when a group of us realized something: insurance felt broken. Customers got sold policies nobody explained. Claims got tangled up in red tape. So we decided to fix it. We opened our first office here in Cluj-Napoca with one radical idea — treat people like humans, not account numbers. Turned out, folks responded to that. Our client list grew. We expanded. But we never changed that core principle. Still doing business the same way we started. Honest conversations. No games. Just solid protection.
Company founded with a team of 3 passionate professionals
Expanded services and reached 500+ satisfied customers
Opened new headquarters and doubled our team size
Celebrated serving over 2,000 clients with 98% satisfaction rate
Our Approach
Our approach combines proven methods with modern tools. We start with discovery, align on goals, plan clearly, and execute with quality checks at every step.
Why Choose Us
Experienced Team
Our professionals have decades of combined experience. We've seen it all and know how to handle any challenge.
Quality Guaranteed
We stand behind our work with comprehensive guarantees. If you're not satisfied, we'll make it right.
Fair Pricing
Transparent, competitive pricing with no hidden fees. You'll always know exactly what you're paying for.
Proven Results
Thousands of satisfied customers and a track record of successful projects speak for themselves.
Our Core Values
The principles that guide everything we do
Straight Talk
We don't speak insurance gibberish. You'll understand every word we say, or we'll explain it differently. No hidden fees. No buried clauses. Just clear, honest communication about what you're getting.
Your Security Matters
Your wealth isn't our use point — it's our responsibility. We treat your portfolio like it's our own family's future. Because protecting it well means you can actually enjoy it.
Local Roots, Serious Expertise
We're here. In Cluj-Napoca. Not some call center in another country. You can walk in, sit down, have coffee. But we've got the credentials and experience of firms ten times our size.
Adapt or Fail
Life changes. Markets shift. Your needs evolve. We review your coverage regularly, not just when renewal letters come around. Your plan grows with you.
Meet Our Team
The people behind Citadel Capital Guard
We’re a team that values ownership, clarity, and growth. We celebrate wins, learn fast, and keep client outcomes at the center.
Mihail Pătrașcu
Founder & Chief Strategist
Started Citadel Capital Guard because he watched his own family get tangled in insurance confusion. 23 years in wealth protection. Drinks too much coffee. Obsessed with getting details right.
Cristina Ionescu
Senior Wealth Advisor
Former investment manager who switched sides — realized protection matters more than growth. Handles our biggest clients. Remembers every policy detail without checking files. Scary good at this.
Dumitru Moraru
Claims Specialist & Advocate
The guy who actually fights with insurance companies when claims get weird. 17 years handling settlements. Your voice when things get complicated. Doesn't take no for an answer.