Premium Documentation Package for Florida Residency

Our standard plans provide a Florida residential address and virtual mailbox: everything you need to establish Florida as your domicile. Premium goes further with a residential lease agreement and utility bill in your name. The same documentation traditional Florida renters have. Designed to support address verification needs at financial institutions. Subject to availability; consultation required.

Our Premium documentation provides a residential lease agreement and utility bill. The same documentation traditional renters use. This is designed to meet typical address verification requirements. Individual institution policies vary, so we recommend confirming with your specific bank or financial institution.

No. Florida has no state estate tax and no inheritance tax. Many states tax estates over $1-5 million, so moving to Florida can eliminate state estate tax entirely. The federal estate tax exemption is $13.99 million per individual in 2025 ($27.98 million for married couples). The One Big Beautiful Bill Act, signed July 2025, increases this to $15 million per person starting January 1, 2026, with no sunset provision. Federal estate tax still applies above these thresholds.

Your primary residence may be protected from forced sale by most creditors regardless of value. Size limits apply: up to 160 acres rural or ½ acre urban. Exceptions include mortgages, property taxes, mechanic's liens, HOA assessments, and certain pre-homestead debts. You must own and occupy the property as your permanent residence on January 1 to qualify for the property tax exemption. Consult an attorney for your specific situation.

Tenancy by entirety is a form of property ownership exclusive to married couples in Florida. When properly structured, property held as TBE may be protected from creditors of one spouse. Both spouses must acquire the property at the same time, through the same title document, with equal interests. Important: A 2024 court decision (Grossfeld v. Security National Mortgage Company) clarified that TBE protections may not extend to surplus proceeds following a foreclosure sale. Consult an attorney for specifics.

The Florida Community Property Trust Act (effective 2021, updated 2025) allows married couples to potentially receive a "double step-up in basis" upon the first spouse's death. All assets get stepped-up to fair market value, not just the deceased spouse's half. Important: The IRS has not issued definitive guidance confirming this benefit for opt-in community property trusts. This remains an unsettled area of tax law. Additionally, community property trusts do NOT provide the same creditor protection as homestead or tenancy by entirety. Consult qualified tax and legal professionals before implementing.

Florida has no "six months and a day" minimum stay requirement. That's a common misconception. To establish domicile, you demonstrate intent through actions: obtain a Florida driver's license, file a Declaration of Domicile with the county clerk, register to vote, register vehicles in Florida, and update your address with financial institutions and the IRS (Form 8822). The 183-day rule applies to LEAVING your former state. Many high-tax states will claim you as a resident if you spend 183+ days there.

Asset protection is most effective when done proactively. Transferring assets to defraud creditors (fraudulent conveyance) is illegal and can be reversed. Establishing Florida domicile can protect future earnings and assets acquired after the move. Consult an attorney if you face existing claims.

Common documentation includes: Florida driver's license, Declaration of Domicile (filed with county clerk), voter registration, vehicle registration, bank accounts with Florida address, updated wills and trusts under Florida law, homestead exemption application (if you own property), and federal tax returns filed using your Florida address. Our Premium service provides the residential documentation (lease and utility bill) that institutions commonly request for address verification.