Capital Migration Advisory · South Florida 728.233.8111info@novahorizons.com
Nova Horizons, Florida Contact us
Capital Migration Advisory · South Florida

Moving your capital, property and family to the Florida coast, clearly planned.

Residency and days, tax treaties, estate planning, banking, currency and property. We explain how it fits together and connect you with the right licensed specialists. Our office speaks close to a dozen languages.

Start a conversation Our services

For individuals, families, family offices and businesses from around the world · Over 75 years of combined advisory experience

BoutiqueA small firm, with clients from around the world.
IndependentNo referral fees from the lawyers, accountants or lenders we introduce.
ConfidentialNon-disclosure agreements on request. Client lists are never shared.
Close to a dozen languagesSpoken in our office, so you can talk in yours.
One business dayEvery enquiry gets a personal reply within one business day.
What we do

Advisors for the whole move, not just the property

Nova Horizons is an independent capital migration advisory. We plan the move, bring in the right licensed professionals, and keep everyone working together until it's done.

1 · The plan

Your capital migration plan

Residency, structure, banking and currency, coverage and property, set out in the order that works.

Our services → 2 · The specialists

The right professionals

Licensed attorneys, accountants, lenders, insurers and brokerages we have met and would recommend.

Our services → 3 · Coordination

Everyone on one plan

Your advisors aligned across countries and time zones, every step in the right order.

Our services → Why us

Independent and discreet

No commissions, no referral fees from the professionals we introduce, and confidential from the first call.

Why Nova Horizons →
Where would you like to start?

Who we help

Families & family offices

Moving a family, or a winter base

Professional, discreet and strictly confidential. One plan across tax, estate, banking and property, through your own advisors.

How we work with families → Business owners

Moving or expanding a business

Why Florida, where to locate, the incentives that matter, and the specialists to set it up properly.

Business & commercial → Planning a purchase

Buying property from abroad

What a place really costs to own, how foreign buyers finance, and how many days you can spend here.

Buying from abroad → Planning a sale

Selling Florida property from abroad

How the withholding at closing works, how most of it is released, and how to plan so nothing surprises you.

Selling as a foreign owner →
Capital migration

What moving capital and family across a border involves

Buying a home is usually the visible part. The decisions around it matter as much, and they work best in the right order.

Residency

Days and tax residency

How many days you can spend here, and the annual form that keeps most winter residents non-resident for U.S. tax.

Read the guide → Treaties

Your country's rules

Entry, tax treaties and estate tax treaties for Canada, Europe, the Mediterranean, Israel, the Gulf and beyond.

See your country → Estate

Holding structure and estate tax

Personally, by trust or by company: a choice to make before you sign, with a cross-border specialist.

How it works → Banking & currency

Moving the money

What currency conversion really costs on a purchase, how to lock a rate, and how to wire funds safely.

Read the guide → Property

The true cost of owning

Every line of a year's ownership costs, on a real example, before you choose a home.

See the breakdown → Health & insurance

Coverage while you're here

Provincial health rules for Canadians, travel medical and international health insurance.

Read more →
Two questions we hear most

Golf, new luxury towers and business

Golf

A home in a golf club community

Jupiter, Palm Beach Gardens, Wellington, Boca Raton, Parkland and Coral Gables: how club memberships work and what to check before you buy.

Golf communities → New development

The new luxury condominiums

From Pompano Beach and Sunny Isles to West Palm Beach and Brickell: the main projects being built now, and how buying before completion works.

New condominiums → Business & commercial

Moving or expanding a business

For owners, manufacturers, investors, builders and developers: why Florida, where to locate near home, and the incentives that matter.

Business & commercial → Family offices

For families and their offices

Confidential from the first call, with non-disclosure agreements and one coordinated plan through your advisors.

How we work with families →
The South Florida coast, Jupiter to Kendall Map of Palm Beach, Broward and Miami-Dade counties: the mainland, the barrier islands, the main cities, the most exclusive enclaves in gold, and rising high-net-worth areas. PALM BEACH BROWARD BROWARD MIAMI-DADE Jupiter Island Jupiter Palm Beach Gardens West Palm Beach Palm Beach Wellington Manalapan Gulf Stream Delray Beach Boca Raton Parkland Hillsboro Beach Pompano Beach Fort Lauderdale Weston Southwest Ranches Hollywood Golden Beach Sunny Isles Beach Bal Harbour Indian Creek Edgewater Miami Beach Fisher Island Brickell Coral Gables Coconut Grove Key Biscayne Kendall Pinecrest ATLANTIC OCEAN BISCAYNE BAY N 10 MI Exclusive enclaves Rising high-end areas Main cities
The coast

Two coasts, very different lifestyles

Palm Beach for privacy and culture. Fort Lauderdale for life on the water. Miami for the international city. And a new generation of neighbourhoods between them, from West Palm Beach's downtown to Pompano Beach's new oceanfront towers. Across the peninsula, the Gulf Coast runs from Naples and Sarasota to Tampa Bay and the Nature Coast.

Explore the areas, town by town

See the Gulf Coast map

Who we work with

From Montreal to Monaco, São Paulo to Dubai

South Florida is one of the most international property markets in the world. We work with families from Canada and the United States, the United Kingdom, France, Monaco, Italy, Switzerland and the rest of Europe, Latin America, Israel, the Gulf, the Caribbean and Asia-Pacific.

Buying here from abroad is routine, and very manageable when it's planned. A few things work differently for non-residents: the deposit lenders ask for, the number of days you can spend here, and what happens at closing when you sell. We walk you through each one. See what applies in your country.

Montreal≈ 3 h 15 to PBI
Toronto≈ 3 h to PBI
London≈ 9 h 45 to MIA
Paris≈ 10 h to MIA
Madrid≈ 9 h 45 to MIA
Milan≈ 10 h 30 to MIA
Zurich≈ 10 h 30 to MIA
Tel Aviv≈ 13 h to MIA
Mexico City≈ 3 h to MIA
Bogotá≈ 3 h 45 to MIA
São Paulo≈ 8 h 30 to MIA
Buenos Aires≈ 9 h to MIA
Dubai≈ 16 h to MIA
New York≈ 3 h to PBI

Approximate scheduled nonstop times; seasonal routes vary.

How we work

From first question to settled in

A first conversation

Where you live, what you're moving and when. Twenty minutes, by phone or video.

Your specialists assembled

We introduce you to the cross-border lenders, accountants and lawyers in our directory, so every question goes to the right expert.

A plan that fits together

Days, tax, estate, banking and property sequenced in the right order, so no decision undoes another.

Property, when you're ready

We introduce a licensed Florida brokerage suited to your brief and keep your advisors coordinated through closing. Nova Horizons takes no commission.

For professionals

Let's talk about how we can work together

If your clients are moving capital, property, a family or a business to South Florida, we would welcome a private and confidential conversation about how we can help them, and you.

We work alongside:

  • Estate and tax attorneys
  • Cross-border accountants
  • Private bankers and wealth managers
  • Family offices
  • Immigration counsel
  • Lenders and mortgage professionals
  • Builders and developers
  • Luxury general contractors
  • Insurance advisors
  • Relocation and concierge firms

Every conversation is confidential. No client lists exchanged and no sales pitch.

Arrange a confidential conversationHow we work with professionals
Questions we hear often

Frequently asked questions

Can a foreigner buy property in Florida?
Yes. There is no citizenship or residency requirement to buy property in Florida. International buyers purchase in their own name, through a trust or through a company, and the choice affects U.S. estate tax and the eventual sale, so it is worth deciding with a cross-border adviser before signing.
How many days can a Canadian spend in Florida each year?
Canadians are usually admitted as visitors for up to six months, but the IRS substantial presence test counts days over three years. If you come for the same stretch every winter, your practical limit is about 122 days a year unless you file Form 8840 to claim a closer connection to Canada. Our day-counting guide walks through the arithmetic.
Can foreign buyers get a mortgage in Florida?
Yes. Foreign-national lenders typically ask for a 25% to 50% down payment and price the loan on the property and your assets rather than a U.S. credit history.
What areas does Nova Horizons cover?
On the Atlantic coast, Palm Beach, Broward and Miami-Dade counties, from Jupiter and Wellington to Fort Lauderdale, Miami Beach, Coral Gables and Kendall. On the Gulf Coast, from Naples and Marco Island through Sarasota to Tampa, St. Petersburg, Clearwater and the Nature Coast up to Hernando Beach. For other parts of Florida, we introduce local licensed professionals.
How does Nova Horizons charge?
The first conversation is free. After that, our advisory fees are agreed with you in writing before any work begins, and they never depend on a property purchase or sale. Learn more about how we work.
Which languages do you work in?
Our office speaks close to a dozen languages. Write in yours, and we'll reply in it wherever we can.
Is Nova Horizons a real estate brokerage?
No. Nova Horizons is a capital migration advisory. When you are ready to buy or sell, we introduce a licensed Florida real estate brokerage and keep your advisors coordinated through closing. We are advisors, paid for advice, never by commission.
Start here

Let's start a conversation

Tell us where you live and what you're planning. Have a question or a dilemma? Just ask us. A few lines is enough.

  1. We read every message ourselves and reply within one business day.
  2. A first conversation by phone or video, at a time that suits your time zone. Free and without obligation.
  3. Clear next steps and, where you need one, an introduction to the right licensed professional.

Prefer to write? info@novahorizons.com

Private and confidential. We will never sell your information. Ever.

Required

Your details stay private and confidential. We use them only to reply to you and keep them secure. We will never sell or rent them, ever. Without obligation: sending a message doesn't make you a client, and nothing here is legal, tax or immigration advice.