You've made the decision. We help you make it work.
Every family's situation is different. The moment that brings them to us is the same.
Last updated March 2026
Regardless of age, family structure, or net worth, every client we work with shares one moment: “We've decided Costa Rica is the direction, and now our financial life doesn't quite fit anymore.” That's where the work begins.
Families with Young Children
You want your kids to grow up differently.
“How do we handle two school systems?”
“What happens to our health coverage?”
“Can we actually afford this on one relocated income?”
“How do we make sure this is good for the kids, not just for us?”
How Vitality Helps
- Education planning across borders
- Healthcare navigation for families
- Income restructuring for the move
- Family alignment process (both parents, all priorities)
Without a plan:You end up pulling your kids out of school mid-year because the finances didn't add up, or worse, you never go because the uncertainty was too heavy.
With a plan: Your kids start school on day one. Your income is restructured. Your family lands with everything handled.
Pre-Retirees & Retirees (55+)
You're done postponing the life you actually want.
“Will our retirement income work in another country?”
“What about Medicare and healthcare?”
“How do we simplify instead of adding more professionals?”
“Can our money support this life without us worrying about it?”
How Vitality Helps
- Cross-border retirement income distribution
- Healthcare enrollment and cost planning
- Tax-efficient withdrawal strategy
- Simplification of financial life so it runs quietly
Without a plan:You drop Medicare Part B and face permanent penalties, or your retirement income gets eaten by taxes you didn't know existed.
With a plan: Your withdrawals are tax-optimized, healthcare is bridged, and your retirement income works exactly how it should in your new country.
High-Agency Professionals
You've built the optionality. Now you want to use it.
“How do we handle equity comp across borders?”
“What about business entity structure?”
“I don't need hand-holding. I need clean systems that work in two countries.”
How Vitality Helps
- Equity compensation planning for relocation
- Business structure consulting
- Cross-border tax architecture
- Clean financial infrastructure that doesn't require oversight
Without a plan:Your equity comp triggers a tax event you didn't anticipate, or your entity structure creates liabilities in two countries instead of one.
With a plan: Clean financial infrastructure across both countries. No oversight required. Systems that just work.
Costa Rica-Specific Movers
You're past the dreaming phase. You need answers.
“Are we actually ready?”
“What are we missing?”
“Is there a way to just know instead of endlessly researching?”
How Vitality Helps
- Strategy Session to answer your specific financial questions
- Financial readiness assessment
- Gap analysis with clear yes/no outcomes
Without a plan: You spend another year researching, never feeling ready enough to actually go.
With a plan: You know exactly where you stand. Clear yes or no. No more guessing.
Every family starts in the same place: overwhelmed, uncertain, carrying the weight of a decision they can't undo.
They leave with a plan that works, a financial life that fits their new country, and the mental space to actually enjoy the move they've been dreaming about.