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This form is for families who already know roughly what they are pursuing and want a file moving. I read every one myself before the first call, so by the time we speak the conversation starts at the specifics rather than at the basics. There is no fee to submit it and nothing is owed afterwards. If you reach the middle of it and realise you are still choosing rather than applying, book a call instead — that is an earlier enquiry, not a failed one.

Every question here is one due diligence will ask anyway. The official filing happens later, on the program’s own forms, through a licensed agent. This is the working file that filing gets built from, and the more of it that is accurate now, the less of it gets rebuilt then.

The document set is close to identical across all five citizenship programs and none of it is exotic. What varies is how long a family takes to assemble it.

Dependants are the quiet cost. I put the whole household into the file at the outset, because retrofitting a dependant later is slower and more expensive than including them on day one, and because due-diligence and biometric fees are charged by age rather than by headcount — two teenagers aged 16 or over cost materially more than two nine-year-olds.

Not because the money is complicated. Because the paper trail gets assembled six weeks late. A business sale, a trust distribution, an inheritance, twenty years of salary and reinvested savings — each has a documentation path, and knowing yours before the file opens is the difference between a clean run and a file sitting in queries.

Incomplete source-of-funds documentation is the most common holdup by a distance. After it come undisclosed prior visa refusals, dependants left off the file, and old minor legal matters nobody thought to mention. None of those is disqualifying on its own. Undisclosed, they are. What the checks actually cover sits on the costs, timelines and due-diligence page.

St. Kitts & Nevis is the fastest of the five: the Citizenship by Investment Unit’s stated window is 120 to 180 days from acknowledgment of a complete application, and agent-reported data puts the recent average near 5.1 months, with difficult files running to eight. Grenada typically runs four to six months from a complete file. Dominica is marketed at four to six months; agent-reported averages sit nearer 9.3. Antigua & Barbuda is realistically 12 to 16 months, with recent averages around 14.2 — and it is the one program carrying a physical-presence obligation, 30 days across the first five years, applied administratively while the 2026 amendment bill is still before Parliament. St. Lucia’s statutory target is 90 days; agent-reported averages are around 18 months, the slowest of the five, with cases known to run past two years.

None of those are ranges you can hold a government to. They are what files are actually doing, they move with application volume, and I give you the current read for your program on the first call rather than the marketed one.

No Caribbean program accepts an application directly from you. Every file is lodged by an agent authorised by the citizenship unit, and that agent, with the attorney on the file, signs the submission, holds the escrow, answers the unit’s queries and carries the regulatory accountability for what is in it. I am not that agent and I do not want to be.

My work sits upstream of it and alongside it. I establish which program and which route fit before anyone is engaged. I size the whole cost stack rather than the headline. Where a property is involved I get written confirmation, through the unit or an authorised agent, that the specific unit carries approval — an approved development is not automatically an approved unit, and a verbal assurance on that point is worth nothing. Then I introduce the agent and the attorney, and my team and I stay on the file so nobody decides anything in isolation. Where the work runs past coordination — structuring executed rather than designed, family governance — I introduce a dedicated specialist private-capital practice and stay on the real-estate and citizenship side myself.

On St. Kitts & Nevis the US$250,000 Sustainable Island State Contribution absorbs the government fee: there is no post-approval government charge on the donation route. The real-estate route does carry one, charged after approval at US$25,000 for the main applicant and US$15,000 for a spouse. Applying the real-estate fee schedule to a donation file is how the inflated all-in figures in circulation get built. The donation versus real estate comparison runs the trade properly.

On Grenada the US$270,000 you will see quoted is never a standalone price. It is a per-share minimum on a qualifying joint purchase totalling US$540,000 or more, under S.R.O. 15 of 2024; a sole buyer needs US$350,000. Either way the real-estate route adds a US$50,000 government contribution and a five-year holding period, against a US$235,000 straight contribution to the National Transformation Fund. Which is right for you is a liquidity question as much as a price one — see real-estate-backed citizenship.

US citizens remain taxed by the United States on worldwide income regardless of a second citizenship, and none of the five Caribbean programs has a US income tax treaty. Nothing on this form changes that, and any advisor implying otherwise is selling you something. What genuinely moves an American’s number is a different list: where you are actually resident, whether Puerto Rico’s Act 60 fits, and the timing of a liquidity event relative to a move.

Two sequencing points belong in the message rather than in a later apology. The federal expatriation tax reaches only a covered expatriate — net worth of US$2 million or more, average annual net US income tax above US$211,000 over the prior five years on the 2026 threshold, or an inability to certify five clean years on Form 8854 — so renouncing is a decision with arithmetic behind it, taken last if at all. And if you are not a US person but are selling a US property to fund the purchase, FIRPTA withholding runs at 15% of the gross amount realised rather than of the gain, with the buyer required to withhold. Both have dates attached, and the dates fall before signature. The full sequence sits on the international tax planning page, and your own cross-border counsel confirms the current position before anything is acted on.

It lands in my inbox, usually the same day, and you hear back within one to two business days. The reply is short and specific: the program or programs that fit, a first read on the all-in number for your family composition, and either a time to talk or the three or four things I need before a call is worth having.

If the file goes forward the order is predictable. A strategy call to fix the route. An authorised agent and attorney engaged, and the due-diligence file assembled — source of funds first. Then the qualifying investment, and on the St. Kitts real-estate route that happens once the approval-in-principle letter is issued rather than before, which is why your purchase contract should mirror it: conditional on approval, funds in escrow, a defined refund mechanism if the application fails. Then submission, government due diligence, approval and passports.

Straight to me. The page asks for nationality, family composition, budget and a source-of-funds indication because those four answers determine what I can usefully tell you, and for no other reason. Nothing entered here reaches a government or citizenship unit. Do not attach passport scans or bank statements to a first message — when the file is ready for documents my team sets up a secure channel and the authorised agent takes delivery through it. How enquiries are handled is covered in the privacy policy.