Relocation Advisory

NEW YORK TO FLORIDA PROTOCOL

Q: Will New York audit me if I move to Florida?

High-net-worth individuals are at higher risk of a 'Residency Audit.' New York State focuses on the 'Teddy Bear Test'—where your most prized possessions are located. We advise all clients to fully commit: update your license, move primary banking, and ensure 183+ days in Florida.

Q: Can I keep my apartment in the city?

Yes, but it complicates your 'Domicile' argument. If you keep a NY residence, you must track your days strictly. Your Florida home should be 'larger and more substantial' to prove your center of life has shifted.

Q: What is the 'Save Our Homes' cap?

Once you establish a Florida Homestead, your property tax assessment cannot increase by more than 3% annually, regardless of how much the market value rises.

Stop Buying Real Estate. Start Buying Freedom.

"You are paying a premium to live in a city that no longer serves you. Between the 'City Tax,' the 10.9% State Income Tax, and the eroding cost-per-square-foot value, your capital is working for the state, not for you. We structure a lifestyle exit."

The Financial Case

Tax Index Verified: February 2026

Your Wealth: NY vs. FL

Metric

Westchester / Long Island

Lakewood Ranch

The Griffin Impact

What $2.5M Buys

~3,800 sq ft (1950s Colonial)

~5,500 sq ft (New Custom Estate)

+45% More Space

State Income Tax

Up to 10.9%

Instant Raise

Property Tax Trend

Variable / Uncapped

Capped at 3% (Homestead)

Protected Basis

Winter Lifestyle

5 Months of Grey

365 Days of Outdoor Living

Priceless

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The Wealth Release Calculator

Annual Household Income ($)

Tax-Funded Buying Power

$1,977,635

This model illustrates the estimated the additional asset value your projected tax savings could service at today's rates, allowing you to direct capital back into your own equity.

GRIFFIN TAKE

"Don't wait for retirement. The 'Save Our Homes' cap locks in your property tax assessment base. Every year you wait to buy in Florida is a year of tax protection you forfeit forever."

Ready to Exit?

Download the full NY-to-FL Tax Guide or schedule a confidential consultation.

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Sarasota Lakewood Ranch

Frequently Asked Questions

Will New York audit me if I move to Florida?

High-net-worth individuals are historically at higher risk of a New York 'Residency Audit.' Auditors heavily weigh the 'Teddy Bear Test'—the location of your most prized possessions. Tax attorneys generally advise their clients to establish a definitive, documented footprint: updating licenses, shifting primary banking, and carefully tracking the 183-day statutory requirement.

Can I keep my apartment in the city?

Yes, though tax counsel warns it can complicate your domicile audit. If you retain a NY residence, CPA firms typically require strict day-tracking. Furthermore, legal counsel often suggests that acquiring a Florida home that is 'larger and more substantial' than your NY property helps substantiate the shift in your center of life.

What is the "Save Our Homes" cap?

Once you formally establish your Florida Homestead, the state generally caps the annual increase in your property's assessed value at 3%, regardless of how much the open market value rises. This statutory benefit is designed to protect your tax basis from future spikes.