“what I really like about all three ideas the customer is often the same person at different stages it's not three separate customers in my opinion it's one customer and multiple revenue events”

Treat one customer as multiple revenue events across life stages

Design your roadmap as a customer journey, not a market grid. The expat who needs a US domicile change today is the same person who needs tax-friendly jurisdiction entry next year (Dubai, Costa Rica, Malaysia), and cross-border estate / banking next decade. Each life stage becomes another paid product to the same customer — compounding LTV instead of paying for new acquisition.