Your reasons are all accurate, but your financial advisor is wrong :) Costa Rica is the fastest growing economy in LatAm and the most expensive latin country to live in. Land and homes are comparable to the US and Canada, and groceries, aside from local fruits and vegetables, are more expensive. Cars are nearly double the cost of north America. BUT, its summer all year and gorgeous pretty much everywhere. Worth it if that is how you like your climate, just never mind the rainy season, its not so bad, for a rain forest and all :)