For people who've already decided.
One plan.
Every part of your money.
Both countries.
The Costa Rica Plan puts your whole financial life in one written plan, in the US and in Costa Rica. Cash flow, insurance, investments, taxes, retirement income and your estate, sequenced so your CPA and attorney build from the same page.
Costa Rica Plan
Prepared for the Hendricks
Prepared by
Brennan Vitali, CFP®
Specimen, illustrative only
your situation, not a template
What the Costa Rica Plan is
Every part of your financial life has its own specialist. Nobody's job is the space between them.
The Costa Rica Plan holds all of it in one place, across both countries, in the order the pieces actually interact. It's the same planning my wealth management clients get, for people who'd rather keep their investments where they are.
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 accounts, treaty elections, 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.
The deliverable
A written plan you can actually use.
Not a recap email. Not a proposal. A real document, prepared for your situation, sequenced so you know what to do first and when.
Costa Rica Plan
Prepared for the Hendricks
Prepared by
Brennan Vitali, CFP®
Your top three, sequenced
- 1.Reposition the two PFIC-exposed funds. Deadline: 60 days pre-residency.
- 2.File treaty election before first tax year in CR.
- 3.Add CR addendum to revocable trust before purchase closes.
Specimen, illustrative only
How it works
Three steps. It starts with a free call.
The free call
30 minutes. I ask about your situation first, then tell you straight whether I can help.
We scope it
If the plan fits, I tell you what it covers for you and what it costs, before you sign anything. It starts at $4,800.
Your plan, built and kept current
I do the research your case needs and deliver the written plan. After that, we go through it together each year, and I'm the first call when something changes.
Costa Rica Plan
from$4,800then a quarterly fee to keep it current
Scoped to your situation on a call. Bigger scopes are quoted before you sign anything.
Want me to manage your investments instead?
Then the planning comes with it, and there's no separate project fee. We'll figure out which one fits on the call.
The call is free and takes 30 minutes.
CFP® Professional
Founder, Vitality Wealth Planning
Who builds your plan
I built this for the move I made myself.
I'm a Certified Financial Planner. I left a comfortable U.S. practice to build one that serves the people I was already trying to help: Americans who've decided Costa Rica is the next chapter and need their financial life to catch up to that decision.
The five-domain framework came from watching what people actually get wrong when they try to sort this out alone. The Costa Rica Plan exists because every one of your advisors can be good at their job and the plan can still have gaps, in the space between them.
You end up with a written plan, not a proposal.
Before you book
The questions people ask first.
Is the first call a sales call?
No. It’s a free 30-minute call. I ask about your situation first, then tell you straight whether I can help. If I can, I’ll show you what working together looks like.
Why does it start at $4,800?
It’s about twelve hours of my time at my $400 hourly rate, and that’s the smallest version that does the job properly. More complex situations take longer and are quoted higher, always before you sign.
What happens after the plan is built?
We keep it current. 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 a quarterly fee, sized to how big your plan is.
I already have a U.S. advisor. Does this conflict?
It usually doesn’t. That’s who the plan is built for. Your advisor keeps managing the money, and the plan gives them, your CPA and your attorney one clear picture to work from.
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?
Then you don’t need the Costa Rica Plan as a separate project. When I manage your investments, the planning is included.
One plan for both countries.
Stop holding the whole picture in your head.
Get it into one written plan that everyone on your team builds from.
The first call is free. The Costa Rica Plan starts at $4,800.
Vitality Wealth Planning LLC is a registered investment adviser in the State of Indiana and Washington. 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.
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