It's entirely possible
You've decided to move to Costa Rica. Now your financial life needs to catch up.
We help American families navigate the financial complexity of relocating to Costa Rica so you can stop researching and start living.
Fee-only fiduciary financial planning for families relocating to Costa Rica
You've decided to move. But your financial life was built for the US.
Cross-border tax complexity your current advisor wasn't built for
Healthcare, education, and cost-of-living questions Google can't answer
The mental load of coordinating professionals across two countries
The feeling of being 'almost ready' but unable to pull the trigger
The questions that keep you up at night
You're not afraid of the move. You're afraid of getting the money part wrong.
“What happens to our investments when we change our address to another country?”
Some accounts get restricted. Others trigger tax events you didn’t expect. The timing and sequence matter more than most people realize.
“What if we sell at the wrong time and lose a huge chunk to taxes we didn’t need to pay?”
There’s a right order to liquidate, transfer, and restructure. Getting it wrong is expensive. Getting it right requires planning before you leave.
“What do we do about healthcare in that gap before we’re eligible for the local system?”
US coverage ends when you leave. Costa Rica’s public system requires residency, which can take over a year. That gap has to be solved before you get on the plane.
“Does our will even work in another country? What happens if something goes wrong?”
Your US estate documents have no legal authority in Costa Rica. If your assets are split across two countries, your family could face two separate legal systems with no coordination.
What life looks like on the other side
From overwhelmed to clear
You'll know exactly where you stand financially before making any irreversible decisions. No more spreadsheets that go nowhere.
From anxious to confident
During the move, you'll have a plan that holds — taxes, investments, healthcare, accounts — all sequenced in the right order.
From carrying it all to calm
After the move, your financial life runs quietly in the background. No loose ends. No 3am anxiety about what you missed.
Planning that's built for life abroad
| The Typical Advisor | The Vitality Approach | |
|---|---|---|
| Scope | Plans for one country | Plans for cross-border life |
| Assumption | Assumes you're staying | Designed for major transitions |
| Engagement | Annual check-ins | Ongoing guidance during your move |
| Expertise | Generic retirement advice | Costa Rica-specific expertise |
| Focus | Focuses on returns | Focuses on your life working abroad |
| Coordination | Coordinates with no one | Integrates with your full team |
| Model | Sells products | Fee-only, fiduciary, always |
| Experience | Makes things complicated | Makes complexity feel manageable |
You need a guide who's actually done this.
I'm Brennan Vitali. My family made this exact transition. We spend a lot of time in Costa Rica now, and I've sat with every question you're carrying — the tax unknowns, the healthcare gap, the “are we making a huge mistake” feeling. I know what that weight feels like.
Most financial advisors, even good ones, have never handled a client leaving the country. I built Vitality Wealth Planning specifically for families in your situation. As a CFP® and fee-only fiduciary, this is the only kind of planning I do.
You don't need another Google search. You need someone who's been where you are and knows the way through.
Getting started is simple.
Take the Readiness Quiz
Answer a few questions to see where you stand.
Book a Free Assessment
A free 30-minute conversation about your situation and timeline.
Choose Your Path
A Strategy Session to get real answers, or the full Cross-Border Blueprint to plan your move — whichever fits where you are.
Are you actually ready to move abroad?
Most families think they are. This 5-minute assessment shows you exactly where you stand and what you might be missing.
No spam. Just a personalized checklist.
Thinking about it? Start here.
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