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.

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.

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.

Chad Keim is a financial advisor with Kestra Advisory, holding Series 63 and Series 65 credentials and over 31 years of industry experience. His prior roles include positions at Cetera, Summit Financial Group, Raymond James Financial Services, and Linsco/Private Ledger Corp. Keim serves as treasurer and board member of Branch County Bloom, a nonprofit organization. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse client base, including institutional and individual investors. The firm offers services such as fiduciary consulting, plan design, employee education, and manages approximately $79.8 billion in assets, serving clients that include sovereign wealth funds and other large institutional investors.

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.

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.

Ashley King is a financial advisor at Kestra Advisory with 18 years of industry experience. She holds Series 63 and Series 66 designations and has worked at firms including Cetera, Keim Financial Group, Raymond James Financial Services, and Sturgis Bank & Trust. King also maintains a notary role outside of her advisory work. Kestra Advisory provides investment advisory and retirement-plan consulting services to institutional and individual clients. The firm offers fiduciary consulting, plan-level investment advice, and utilizes multiple management platforms to serve a broad range of investors, including large institutional clients.

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.

Allen Kilburn is a financial advisor with Equity Services, Inc., holding Series 63 and Series 65 credentials and five years of industry experience. His prior work includes roles at National Life Group and Western Southern Life. Kilburn is also an insurance agent affiliated with National Life. Equity Services, Inc. serves individuals, corporations, trusts, estates, charitable organizations, and retirement plans with financial planning, consulting, and asset management services. The firm combines advisory services with broker-dealer product distribution and employs a range of proprietary and third-party investment platforms to deliver tailored asset allocation and portfolio management.

Robert Hoffer Jr. is a financial advisor with Valic Financial Advisors in Elkhart, IN, holding a Series 66 designation and 19 years of industry experience. He has been with Valic since 2009 and also serves as an agent with Agia, where he is involved in non-securities insurance products. Valic Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, wrap programs, financial planning, and brokerage services, utilizing Envestnet UMA models and operating at scale with over $26 billion in discretionary assets.

Tyler Rensberger is a CFP® with 13 years of experience in the financial industry. He is currently with Edward Jones and previously worked at Interra Credit Union and JP Morgan Chase Bank. Outside of his advisory role, Rensberger serves as secretary on the Fairfield Community School Board in Goshen, IN. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a large national network of advisors and offices. The firm offers a range of advisory programs and affiliated investment products, operating under a fiduciary standard.

Ross Hougland is a CFP® professional with 15 years of industry experience, all with Edward Jones since 2011. He serves on the boards of LoveWay in Middlebury, IN, and Hearts United for Bristol – The HUB, contributing to the operations and strategic direction of these organizations. Edward Jones is a full-service wealth management firm serving a broad client base, including individual and institutional clients. The firm manages approximately $1.01 trillion in assets, offering a range of advisory programs and investment solutions supported by a large national network of financial advisors and branch offices.

Marcus Little is a CFP® professional with 28 years of industry experience, currently serving as an advisor at Raymond James Financial Services Advisors Inc. since 2016. His prior experience includes roles at Sturgis Bank & Trust and Linsco / Private Ledger Corp. He is also involved in non-variable insurance sales and serves as President and Director of Oakleaf Financial Services. Raymond James Financial Services Advisors, Inc. serves a diverse client base, including individual investors, high-net-worth clients, pension plans, charitable organizations, and municipal entities. The firm emphasizes non-discretionary financial planning and investment consulting, offering tailored strategies supported by extensive research and a broad affiliate network.

Charles Maher is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and with 30 years of industry experience. He has worked at LPL Financial since 2010. Outside of his advisory role, he is a notary public and operates a home-based business unrelated to investments. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers a range of investment solutions supported by an in-house research team and accommodates both advisory and brokerage services through a large network of investment adviser representatives.

William Clark is a financial advisor with Edward Jones based in Middlebury, IN. He holds a Series 66 designation and has one year of industry experience. Prior to joining Edward Jones, he worked at Vector Marketing and the Ron Blue Institute. Outside of his advisory role, he has experience as a purchasing intern at McConn Coffee Company. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory programs with a fiduciary standard, supported by a large network of financial advisors and branch offices nationwide.

Ryan Drake is a financial advisor at Edward Jones in Goshen, IN, holding a Series 66 designation with 10 years of industry experience. He has been with Edward Jones since 2015. Outside of his advisory role, he is a partner in a personal LLC for a property he and his wife own. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs and investment options supported by a large network of financial advisors and branch offices.

Kyndra Landgraff is a financial advisor with LPL Financial in Lagrange, Indiana, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. Her prior roles include positions at Farmers State Bank and Ruoff Mortgage Company. Outside of her advisory work, she is involved in direct sales as a brand ambassador and works in a direct service professional capacity with SkyPoint Social Services. LPL Financial serves a broad range of clients including individual investors, retirement plan sponsors, and institutions, offering advisory and brokerage services supported by an in-house research team that provides model portfolios and various investment strategies.