Your move to Costa Rica deserves a real plan, not another Google search.
A structured path from “we're thinking about it” to “we're living it”, built by a CFP® professional whose family made the transition themselves.
Last updated March 2026
Why most families stay stuck
You've read the blog posts. You've joined the Facebook groups. You've started three spreadsheets and finished none of them.
You're not stuck because you lack information. You're stuck because the information is scattered, contradictory, and none of it was written for your situation.
Meanwhile, your current financial advisor has never dealt with a client leaving the country. Your accountant doesn't understand cross-border tax. And every “expat expert” online is selling a lifestyle, not a financial plan.
You need a process, not more content. And you need it from someone who's actually done this.
We didn't just plan this. We lived it.
My family made this transition on a real budget, with real kids, and real financial constraints. Not from a position of wealth. From a position of clarity.
That experience, combined with my CFP® certification, is the foundation of everything we do here.
Every recommendation comes from someone who sat where you're sitting and figured it out.
1 Plan
For Both Countries
CFP®
Certification held by Brennan Vitali
IN & WA
Registered Investment Adviser
Where are you in your journey?
Two ways in. Each one meets you where you are.
Step by step
What it's like to work with me
From the first call to an ongoing relationship.
- Start here
Step 1: First call
Is this a fit?
Step 2: Two-Country Snapshot
Your picture in both countries
Step 3: Agreement
Pay the plan fee, move accounts, or both
Step 4: Gather documents
What I don't have yet
Step 5: Explore
Your goals and values
Step 6: Map the plan
Decision by decision
Step 7: Plan delivery
We walk through it together
Step 8: Implement
You do it, or I run it with your CPA and attorney
Step 9: Ongoing
Kept current, before and after the move
Find your fit
Two options. One goal.
Pick the one that fits how you want to work.
For people with investments to manage
Starting at 1%
Wealth Management
Your money and your plan, in one place.
I manage your investments with the whole cross-border picture in view, and I coordinate with your CPA and attorney so everyone builds from the same plan.
- Cross-border portfolio management
- Tax-aware investment positioning
- Ongoing financial planning and check-ins
- Coordination with your CPA, attorney, and local advisors
- Proactive adjustments as tax laws and your life evolve
Ongoing financial planning is included for clients with $1M or more in assets under management.
No asset minimum to start.
The first step, with or without management
From $4,800
The Costa Rica Plan
Move with a plan, not a prayer.
One written plan for your whole financial life in both countries, instead of piecing it together from a CPA, an estate attorney and a financial advisor on your own.
How it works
- Map
We map your complete financial picture: income, assets, liabilities, tax situation, retirement accounts, real estate, insurance. - Build
We build the plan for your move: investments, taxes, healthcare, estate, and everything sequenced in the right order. - Keep it current
Your CPA and attorney work from the same plan. We go through it together each year, and I’m the first call when something changes.
What the plan covers
- Dual-country tax transition strategy
- Investment positioning plan
- Healthcare coverage map (both countries)
- Account migration sequencing
- Social Security & Medicare timing
- Estate plan coordination across both countries
- Complete action plan with execution timeline
- A yearly review, and a first call when things change
It starts at $4,800. Bigger situations are quoted higher, before you sign anything. That’s a one-time fee. If you want it kept current after that, it’s a quarterly fee sized to your plan.
You'll know exactly how these work in your new country
Your taxes in both countries
Your investments during the move
Your healthcare from day one
Your kids’ schools
Your money in and out
Your will and trust across borders
Your insurance coverage
Your retirement income abroad
Your property in both countries
Your visa and residency
Not ready for a call? Start here.
Take our 5-minute Readiness Quiz and get a personalized assessment of where you stand, plus a checklist of what to do next.
Questions we hear often
The Costa Rica Plan is one written plan for both countries, with every decision in order, for a one-time fee. Wealth management means I also run the investments and keep the plan current. From $1M managed, the plan is included. You can start with the plan and add management later. We’ll figure out which fits on the free call.
Start with a Zoom call. You’ll leave knowing what’s already in good shape, what needs work, and whether a plan makes sense yet.
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.
That’s up to you. The plan is yours either way. If you want to keep working together, 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.
All meetings are virtual via Zoom. We’re flexible across U.S. and Costa Rica time zones. Most clients meet monthly during active transition phases and quarterly once settled.
What your life looks like after
You land in Costa Rica knowing your taxes are handled, your investments are positioned, and your healthcare is covered from day one.
Your kids are enrolled. Your accounts are where they need to be. Nothing is dangling.
You stop carrying your financial life in your head. It runs quietly in the background, and you get to actually enjoy the life you moved here for.
The first step is a conversation.
No pitch, no pressure. Just a conversation about where you are and where you want to be.