For people who've already decided.
Two countries.
One plan.
The Costa Rica Plan puts your life in the States and your life in Costa Rica into one written plan. It's in the order things have to happen, so your CPA and attorney build from the same page and nothing has to be undone later.
Start with a free Zoom call and a Two-Country Snapshot: your situation mapped, and what working together would look like.
Why this exists
Almost every call I take starts the same way.
Someone's handling the US money, and nobody's looking at the Costa Rica side. The tax preparer covers one country, the attorney covers the other, and every decision in between lands on you. It's hard to know what you don't know until something has to be undone.
The Costa Rica Plan covers the space between them. Five parts of your financial life, across both countries, in the order they affect each other.
01
Lifestyle
What you actually want your Costa Rica life to look like.
02
Money
What you need, what you have, what is coming in.
03
Taxes
What shifts when you cross the border. Foreign account reporting, how Costa Rica taxes what you bring, passive income rules.
04
Insurance
Health, property, what is covered where.
05
Estate
Where your assets live and who they go to.
Natural order. Every domain informs the next.
What you get
Three things, so the move goes the way you want.
01
Both countries, one plan
One plan covers your US accounts, taxes and estate and what you'll own in Costa Rica. Your CPA and attorney work from it, so things get set up once, in the right order.
02
Someone on your side
As a CFP® professional, I'm a fiduciary, so I'm required to put your interests first when I give you financial advice. I don't sell products, my fee is on this page, and if I don't know something yet, I'll tell you.
03
Every decision, in order
The plan ranks what to do first and puts a date on it. You'll know what has to happen before the move, what can wait until after, and who handles each piece, so you're not holding it all in your head.
Why timing matters
The move date is the deadline.
Some decisions are easier, or only possible, while your address is still in the US. These are the ones the plan puts first.
Old 401(k)s
Usually simpler to decide on and move while your address is still in the States. The paperwork gets harder from another country.
Roth conversions
The lower-income years before Social Security and required withdrawals can be a window. A conversion means paying tax now, so it doesn't fit everyone.
Selling the US house
The home-sale exclusion generally needs 2 of the last 5 years living there, so the clock starts the day you move out. Wait more than 3 years and it's generally gone.
Wills and titling
Worth deciding before you buy in Costa Rica, so property passes the way you planned.
General information, not advice for your situation. Tax rules change, and what fits depends on your full picture.
How it works
Map it, build it, keep it current.
Map it
A 30-minute Zoom call, then your Two-Country Snapshot: where everything sits, the decisions with dates on them, and what working together would look like. Both are free, and you see it before you pay anything.
Build it
The Snapshot sets the scope and quotes the fee before you sign anything. It starts at $4,800, and your plan is drafted within 30 days of getting your documents.
Keep it current, if you want
After that, if you want ongoing planning, we go through it together every year. If I'm managing your investments with ongoing planning, we review everything every quarter. Either way, I'm the first call when something changes.
Costa Rica Plan
from$4,800one-time, for the plan itself. Putting it in place and keeping it current is optional, billed quarterly.
Scoped to your situation on a call. Bigger scopes are quoted before you sign anything.
Want me to manage your investments too?
From $1M managed, the planning comes with it and there's no separate plan fee. Under $1M, it's the management fee plus the one-time plan fee. We'll figure out which one fits on the call.
The call is free and takes 30 minutes.
Brennan Vitali, CFP®
Founder, Vitality Wealth Planning
Who builds your plan
I built this around the gaps I kept seeing.
I'm a CFP® professional and I've been in financial services since 2019. I spend significant time on the ground in Costa Rica, and I work with attorneys and accountants there.
Your advisors can each be good at their job and the plan can still have gaps, in the space between them. The five parts of this plan came from watching where those gaps show up, usually after something has to be undone.
You end up with one plan everyone works from.
Before you book
The questions people ask first.
Is the first call a sales call?
Partly. It’s a free 30-minute Zoom call. I ask about your situation first and tell you straight whether I can help. If I can, I’ll show you what working together would look like and what it costs, so yes, part of it is me asking for your business.
Why does it start at $4,800?
That’s the smallest version that does the job properly. More complex situations are quoted higher, always before you sign. Either way, you have your plan within 30 days of getting your documents.
How do you get paid?
For the plan, a one-time fee that starts at $4,800 and is quoted in dollars before you sign anything. I don’t sell products, so nothing I recommend pays me extra.
Can my spouse join the call?
Yes, and I’d rather they did. Most of these decisions belong to both of you, so book one call and both of you join.
What happens after the plan is built?
That’s up to you. The plan is yours either way. The one-time fee covers building it. If you want my help putting it in place and keeping it current, that’s ongoing work. Your life changes and so do the rules. We go through the plan together each year, and when something changes, like a sale or an inheritance, I’m the first call. That ongoing work is an optional quarterly fee, sized to how big your plan is.
I’m 18 months out. Is it too early?
Twelve to twenty-four months out is when the plan is most valuable. Several of the moves have lead times measured in tax years, so earlier means more options on the table.
What if I’d rather you manage my investments?
When I manage $1M or more, the planning is included and there’s no separate Costa Rica Plan fee. Under $1M, you’d pay the management fee plus the one-time planning fee, from $4,800. The management fee schedule is in my Form ADV, and fees and fund expenses reduce returns.
If I start with the plan, can I move to management later?
Yes. From $1M managed, the planning is included from then on. The plan fee you already paid isn’t credited toward the management fee.
One plan for both countries.
Stop holding the whole picture in your head.
The decisions tied to your move date are the ones to start on first. The call is where we find out which ones they are.
The first call is free. The Costa Rica Plan starts at $4,800.
Vitality Wealth Planning LLC is a registered investment adviser in the States of Indiana and Washington. Registration doesn't imply a certain level of skill or training, and it doesn't mean any regulator has approved the firm's management or investment practices. Securities regulators don't pass on the merits of any security. The Adviser may not transact business in states where it is not appropriately registered, excluded or exempted from registration. Individualized responses to persons that involve either the effecting of transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without registration or exemption. “Vitality Wealth Planning” is a registered trade name of Vitality Wealth Planning LLC.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
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