I'm Brennan Vitali, the founder of Vitality Wealth Planning and a CERTIFIED FINANCIAL PLANNER professional. My family splits time between the U.S. and Costa Rica, and I built this firm specifically for families making that same transition. Most financial advisors have never handled a client leaving the country. I have. I know what it feels like to sit with the tax unknowns, the healthcare gap, the "are we making a huge mistake" feeling. That firsthand experience is why I focus exclusively on cross-border financial planning for Americans relocating to Costa Rica. My work covers the full picture: cross-border tax strategy, investment management across two countries, healthcare planning for the gap before CAJA eligibility, estate planning that works in both jurisdictions, and the sequencing of accounts and assets before, during, and after the move. As a fee-only fiduciary, I don't sell products. I charge for planning and advice. Whether you're in the early research phase or you've already booked the flight, I help you make confident financial decisions so you can focus on the life you're building abroad.

Stop Guessing. Start Planning. When it comes to money, there’s the strategic way—and then there’s every other way. Since 2010, our fee-only CFP® and CPA professionals have been helping clients build strategies and portfolios designed to meet long-term goals and simplify their financial lives. We’ve dedicated our careers to helping you define and execute the financial strategies that power your life. IFPS aims to serve as your trusted advisor, helping you craft a comprehensive and tax-efficient financial strategy that aligns with your values and life vision.

Aaron Coates is a CFP® with 19 years of industry experience and is the sole advisor at Relevant Financial Advisors LLC, an independent registered investment adviser based in Elkhart, IN. He has led the firm since 2015. Relevant Financial Advisors serves individuals, families, and select entities with complex financial situations, offering comprehensive financial planning and discretionary portfolio management through concierge and traditional service tiers. The firm employs a core-and-satellite investment approach guided by written policies, incorporating third-party research and derivative strategies, including options, to manage risk and express market views.

Edward Bails is a CFP® professional with 28 years of industry experience. He is the owner and president of B2 Financial, Inc., an insurance agency, and currently serves as the sole advisor at Fortified Wealth Advisors, LLC, where he has worked since 2024. His prior experience includes roles at Enlightened Finance LLC, AE Wealth Management, Securities America, Arbor Point Advisors, Private Advisor Group, and LPL Financial. Fortified Wealth provides discretionary investment management and financial planning services to individuals, high-net-worth clients, trusts, and estates. The firm employs a long-term, fundamental analysis approach, utilizing a range of investment vehicles and integrates advisory services with affiliated insurance and tax/accounting offerings under common control.

Richard Horner Jr. is a financial advisor with Atlantis Wealth Advisors LLC in Elkhart, IN, holding Series 63 and Series 66 licenses and bringing 34 years of industry experience. He has been with Atlantis Wealth Advisors since 2015 and previously worked at Purshe Kaplan Sterling Investments. Outside of his advisory role, Horner is involved in community service through the Elkhart Breakfast Optimist Club and serves as a member and past president of Marine Riders Michiana, a charity focused on veteran and youth services. Atlantis Wealth Advisors LLC provides financial planning, asset management, and consulting services to a diverse client base that includes individuals, high-net-worth clients, pension plans, trusts, and charitable organizations. The firm employs a combination of proprietary strategies and third-party managers, using both discretionary and non-discretionary approaches, and manages approximately $146.7 million in assets across five offices.

Jennifer Rupp is a CFP® with 17 years of industry experience, currently serving at Hendershott Wealth Management, LLC. Her prior experience includes roles at Mutual Securities, Inc. and Guidance Investment Advisors, LLC. Outside of her advisory work, she is an independent consultant for Arbonne, a non-investment related business. Hendershott Wealth Management provides investment and planning services to individuals, trusts, estates, charitable organizations, and business entities, including high-net-worth clients. The firm offers tailored portfolio management, financial planning, and a financial coaching program, primarily using mutual funds, ETFs, and model portfolios with a non-discretionary approach requiring client approval for transactions.

Eric Ball is a CFA® charterholder with 27 years of industry experience. He has been with America First Investment Advisors LLC since 1997, serving in various roles throughout his tenure. The firm provides discretionary portfolio management and financial planning to individuals, employee benefit plans, trusts, estates, charitable organizations, and other entities. America First Investment Advisors emphasizes fundamental equity analysis, building equity-oriented portfolios typically consisting of 15 to 25 positions, and uses exchange-traded funds for fixed-income exposure with attention to credit quality and duration.

Dennis Blyly is a CFA® charterholder with 25 years of industry experience. He has been with Timucúan Asset Management Inc. since 2011 and also operates Blyly Asset Management, LLC. Timucúan Asset Management provides discretionary investment management to high-net-worth individuals, family offices, and institutional clients, focusing on fundamental, business-oriented analysis with concentrated portfolios held over multiple years. The firm is notable for managing private pooled vehicles and employing performance-based incentive arrangements for certain accounts.

Deborah Dehoff is a CFP® professional with over 32 years of experience in financial advising. She is currently with United Capital Financial Advisors, where she has worked since 2017. Her prior experience includes roles at Harbour Investments Inc and Compass Wealth Advisors, LLC. In addition to her advisory work, she is a licensed insurance agent for life, health, and annuity products. United Capital Financial Advisors serves a diverse client base nationwide, including individuals, corporations, retirement plans, and charitable organizations. The firm offers discretionary portfolio management using asset-allocation models, access to third-party managers, and customized strategies including ESG and faith-based preferences.

Brock Weaver is a CFP®-designated financial advisor with 28 years of industry experience. He is the principal of Pathway Asset & Tax Advisory and has previously worked at Harbour Investments, Inc. and Loucks & Weaver CPA. Outside of advisory work, Weaver holds a private equity interest in a fabricated metal and machining company and is a partner in a CPA firm. Pathway Asset & Tax Advisory is a newly registered investment adviser offering portfolio management, pension consulting, accounting, and tax advisory services. The firm constructs diversified portfolios using long-term strategic allocations with tactical adjustments and may engage sub-advisers to implement client programs.

John Mckissick is a CFP® professional with 14 years of industry experience, currently serving as a financial advisor at United Capital Financial Advisors since 2017. Prior to this, he worked at Compass Wealth Advisors from 2013 to 2017. Outside of his advisory role, he is an insurance agent licensed for life, health, and annuity products and manages a real estate company in Elkhart, Indiana. United Capital Financial Advisors provides financial planning and investment management services nationally to individuals, corporations, retirement plans, and institutional clients. The firm employs discretionary portfolio management with customized strategies, including ESG and faith-based options, supported by proprietary technology and a platform that offers access to third-party managers and sub-advisory services.

Rustomji Dubash is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. He has been associated with Diversified Investors Securities Corp. and Diversified since 2012. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through various managed advice programs and investment education services. The firm utilizes Morningstar Investment Management’s proprietary software and model portfolios to provide personalized asset allocation and retirement guidance for a broad client base.

John Mc Sorley is a financial advisor with Wealth Enhancement Advisory Services, LLC, holding a Series 66 designation and 22 years of industry experience. His prior work includes roles at Mutual Securities, Inc. and Guidance Investment Advisors, LLC. He is also involved with Emerson North Creek Development, LLC, a real estate business in Elkhart, IN. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm serving individuals, trusts, estates, charitable organizations, corporations, and retirement plans. The firm offers financial planning, asset management, and specialized retirement consulting, employing a strategic investment process that combines passive and active management with quantitative and fundamental research.

Robyn Smeltzer is a financial advisor at Creative Planning with 18 years of industry experience. She holds a Series 66 designation and has previously worked at Wells Fargo Advisors and Wells Fargo Clearing. Creative Planning provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm manages approximately $217 billion in client assets and employs a financial planning-led investment process focused on low-cost indexing and buy-and-hold strategies, supplemented by various active management techniques and comprehensive retirement plan services.

Bryan Focht is a financial advisor with Wealth Enhancement Advisory Services, LLC, holding a Series 65 credential and nine years of industry experience. His prior work includes roles at Guidance Tax and Accounting, LLC and Guidance Investment Advisors, LLC. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm serving individuals, trusts, estates, charitable organizations, corporations, and retirement plans through a large network of advisors. The firm offers financial planning, asset management, and specialized consulting, employing a strategic investment process that combines passive and active management guided by an internal Investment Committee.

Brandon Mc Lemore is a financial advisor with Eagle Strategies (New York Life) in Elkhart, Indiana, holding Series 63 and Series 65 licenses with six years of industry experience. He has worked with NYLIFE Securities, LLC and New York Life Insurance Company since 2019, and founded McLemore Financial Strategies, LLC in 2022. Outside of his advisory role, he serves as an assistant boys varsity soccer coach at Elkhart Christian Academy and is a board member of the Humane Society of Elkhart County. Eagle Strategies LLC serves individuals, retirement plans, trusts, charitable organizations, and corporate clients by providing financial planning, investment advisory, and retirement plan consulting services. The firm emphasizes client-directed solutions and the use of third-party managers and model portfolios, operating as an indirect subsidiary of New York Life.

Teresa Covey is a financial advisor at FIFTH THIRD SECURITIES, Inc. with 16 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Fifth Third Bank and its affiliated firms since 2015. She is based in Elkhart, Indiana. FIFTH THIRD SECURITIES, Inc. offers brokerage and investment advisory services through its Passageway Managed Account Program to a diverse client base including individuals, charitable organizations, and institutional investors. The firm combines its municipal-advisor registration and corporate affiliation with Fifth Third Bank to provide a range of discretionary managed-account options and integrated portfolio management solutions.

Donald Kuhn is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 credentials and bringing 36 years of industry experience. He has been with Transamerica since 2012 and also serves as President and Shareholder of Kuhn Tax Advisors, Inc., a tax planning and preparation firm. Outside of his advisory work, Kuhn has been a member of the Berne Volunteer Fire Department for over 20 years. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to individual investors, employer-sponsored plans, trusts, estates, charitable organizations, and businesses. The firm utilizes model portfolios and third-party managers across multiple platforms, including Transamerica ONE and TFA365, managing approximately $1.7 billion in regulatory assets under management.

Maureen Teunissen is a financial advisor with Wealth Enhancement Advisory Services, LLC, holding a Series 65 designation and eight years of industry experience. Her prior roles include positions at Guidance Investment Advisors and Everence Trust Company. Outside of her advisory work, she is associated with bookkeeping activities through a family member. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise firm serving a diverse client base including individuals, trusts, charitable organizations, corporations, and retirement plans. The firm offers a range of financial planning and asset management services, employing a strategic investment process that combines passive and active management with quantitative and fundamental research.

Ashok Sanghavi is a CFP® professional with 23 years of industry experience, currently serving as a financial advisor at Hornor, Townsend & Kent, LLC since 2023. He previously worked at Retirement Income Management for 10 years and has been associated with Penn Mutual Life Insurance Company since 2011. Outside of his advisory role, Sanghavi is active as an insurance agent with Global Financial Group, focusing on insurance sales and service including Penn Mutual Life products. Hornor, Townsend & Kent provides advisory services to individuals, trusts, businesses, charitable organizations, and retirement plans, utilizing third-party asset manager platforms and a client-directed, non-discretionary investment approach.