South Florida Luxury Realtor & Wealth Protection Strategist
Helping families buy, protect, and preserve wealth through luxury real estate, mortgage protection, life insurance, and financial solutions.
Miami Real Estate • Life Insurance • IUL • Annuities • Legacy Strategy
"I'm Agu Ukaogo — South Florida luxury realtor, licensed insurance advisor, and wealth protection strategist. I help people buy the right home, protect what they've built, and create a legacy that outlasts them."
(305) 791-0812I'm Agu Ukaogo — a South Florida luxury real estate advisor and licensed insurance strategist. Through my work with The Law Group at The Agency, I rank in the top 1.5% of real estate professionals nationwide, and with the Navarro Genauer Group at Douglas Elliman I earned back-to-back Ellies Platinum Awards in 2024 and 2025. Across both teams, I've closed more than $20M in transactions.
I help families navigate ownership with clarity across multiple services: Miami real estate, new development strategy, relocation, selling, life insurance, IUL, annuities, and the protection conversations that too many people have too late. Whether you're buying your legacy home, securing your family's future, or building generational wealth, I handle the full spectrum.
"Buy the home. Protect the family. Build the legacy." That's not just a tagline—it's a commitment. I work with you through every phase of ownership, ensuring your real estate and financial protection strategies move together.
The difference isn't just where you buy — it's what happens after. Ownership without protection is incomplete. That's why I bring both disciplines together: real estate expertise paired with insurance strategy so your family, your income, and your legacy are all protected.
Whether you're buying, selling, investing, relocating, or protecting what you are building, this is about making a smarter move.
Find your dream home in South Florida. I'll guide you from search to closing, negotiate the best deal, and make sure you're protected every step of the way.
Get top dollar with modern marketing — targeted digital ads, AI-powered buyer follow-up, professional content, and a pricing strategy backed by real data.
Looking for cash-flow properties or your next flip? I'll help you find the right opportunity and analyze the numbers so you invest with confidence.
Get exclusive access to pre-construction opportunities in South Florida's most sought-after developments — from Brickell to Coral Gables.
Curious what your home is worth? Get a complimentary market analysis with real-time data and comparable sales in your area.
Multilingual support and deep expertise helping international buyers navigate the South Florida real estate market with confidence.
Buying real estate creates responsibility. I help clients explore mortgage protection, life insurance, IUL, annuities, and retirement income planning so ownership is connected to protection, family, and legacy.
Whether you're closing on a new home or protecting what you already built, the goal is simple: make sure the people and income behind the asset are protected.
Get a Free QuoteTerm, whole life, and universal coverage tailored to your family's needs and budget
Ensure your family keeps their home no matter what — coverage that pays off your mortgage
Build guaranteed retirement income with fixed and indexed annuity options
Affordable coverage so your loved ones aren't burdened with end-of-life costs
Search active residential listings across South Florida powered by the MLS.
Explore new construction and pre-construction opportunities across South Florida.
Get a complimentary market analysis with real-time data and comparable sales. Find out your home's value in today's market.
Click any neighborhood to explore schools, lifestyle & live listings
Exclusive island paradise
Ultra-exclusive oceanfront enclave
Boutique oceanfront & Surf Club luxury
Miami's most exclusive address
Bayfront views & modern towers
Family-friendly luxury & top schools
Arts district & trendy urban lofts
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48.5% of Miami condo sales close all-cash — nearly double the national rate. Cash buys certainty, not a discount, and here's exactly how I get financed buyers to win the unit anyway: underwritten approval, a pre-cleared building, and terms that solve the seller's real problem.
Miami Condo Cash vs. Financing: How to CompeteRead More
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Miami HOA dues now top a quarter of the typical mortgage payment, with reserves jumping from 9 to 12 cents of every budget dollar. Why low fees in an older building are the real danger — and the six documents I pull before any client writes an offer.
Miami Condo HOA Fees: 25% of Your Mortgage PaymentRead More
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Out-of-state buyers jumped to 10% of Miami's domestic buyers this year, led by New York at 34% — and they shop above what locals spend. Here's where that money actually lands, and where you still have room to negotiate.
Out-of-State Buyers Are Setting Miami's Luxury PricesRead More
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Miami's corporate wave starts with one person: the CEO buys a home here before the company ever moves. Here's how I help buyers get ahead of that executive-led demand while ~13 months of condo supply still hands you the leverage.
Why CEOs Buy the Miami Home Before Moving the HeadquartersRead More
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New Fannie Mae and Freddie Mac rules took effect Aug 3, 2026, retiring the shortcut condo reviews. Here's how the new Full Review changes financing a Miami condo — and how to make sure your loan actually closes.
Fannie Mae Condo Rules: What Miami Buyers Should KnowRead More
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Deep inventory (10–17 months in many submarkets), negotiable sellers, and a rising $1M tier. Where buyers have real leverage across Miami-Dade, Broward and Palm Beach right now — and how to use it.
South Florida Condos: The Best Buyer's Market Since 2021Read More
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Foreign buyers poured $3.2B into Miami-Dade — keeping it the #1 U.S. market for international buyers, led by Colombian capital. Where that demand is firm, and where local buyers still hold leverage.
Why Foreign Buyers Keep Choosing Miami LuxuryRead More
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Georgia's ~5.19% income tax vs Florida's 0% saves $7,785+ on $150K. The real math, the neighborhoods that fit an Atlanta transplant, buying remotely, and protecting your wealth on the move.
Moving From Atlanta to Miami: 2026 GuideRead More
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DC's 10.75% income tax, taxed capital gains, and estate tax vs Florida's 0%. The real math, the neighborhoods that fit, buying remotely, and protecting your wealth on the move.
Moving From Washington DC to Miami: The Real MathRead More
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The typical Miami condo now takes about 111 days to sell, up from 71 a year ago, with Miami-Dade near 14 months of supply. Here's how I turn a slow market into real negotiating leverage — targeting tired listings in fully-funded buildings.
Miami Condos Take 111 Days to Sell — Where Buyer Leverage LivesRead More
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Only a small share of Miami condo buildings are FHA-approved — and that list decides which you can buy with 3.5% down. Here's how I check FHA status and warrantability before a buyer ever tours a unit.
FHA-Approved Condos in Miami: What Buyers Must KnowRead More
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Realtor.com ranked Miami the top buyer's market in the U.S. on months of supply, with existing condos near 12–14 months and homes closing under ask. Here's exactly how I turn that leverage into a real deal — without walking into a building's hidden assessments.
Miami Is the #1 Buyer's Market in America — How to Use the LeverageRead More
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Palantir landed in Aventura, D-Wave in Boca, Trinity in Coconut Grove. Here's my neighborhood-by-neighborhood map of where the 2026 HQ wave is heading — and how to use today's buyer's-market leverage.
Where to Buy Near Miami's New Corporate HQsRead More
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New luxury towers are booming while older condos sit near 9–13 months of supply. That split is where I find buyers the best deals — here's which side to be on and how to use it.
Miami's Two Condo Markets: Where Buyers Have LeverageRead More
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Condo loans fall through here more than any other deal — because the building fails, not you. Here's why lenders reject Miami condos, and how prepared buyers turn a financing snag into price leverage.
Miami Condo Financing: Why Loans Fall Through — and How Buyers WinRead More
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Massachusetts' 4% millionaire surtax, 5% flat income tax, and $2M estate tax vs Florida's 0%. Here's the real math, the neighborhoods that fit, and how to buy while condos still favor buyers.
Moving From Boston to Miami: The Real MathRead More
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South Florida condos sit near 14 months of supply — more than double a balanced market. Here's how I read this one metric before every offer, and how you can use it to negotiate.
Months of Supply: The One Number That Signals Buyer LeverageRead More
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Connecticut's 6.99% income tax, estate tax, and car tax vs Florida's 0%. Why Greenwich money is flowing to Wall Street South — plus the neighborhoods, buying remotely, and protecting your wealth.
Moving From Connecticut to Miami: The Real MathRead More
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Ditch the nation's highest property taxes (~$10,570/yr) and a 10.75% income tax. The real tax math, best neighborhoods, and how I help you buy from out of state and protect what you've built.
Moving From New Jersey to Miami: The Real MathRead More
No state income tax saves $7,425+ on $150K. Best neighborhoods, buying remotely, and protecting your wealth in the move.
Moving From Chicago to Miami: 2026 GuideRead More
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Miami's $1M condo sales hit a near-record Q1, up 15% — yet it's still a buyer's market. Here's how I help buyers turn that split into leverage.
Miami's $1M Condo Market: Records Meet Real LeverageRead More
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New-dev luxury condos now average ~$1,983/sq ft, up from ~$800 five years ago. Here's what that surge really means — and where buyers still have leverage.
Miami Luxury Condos Near $2,000 a Square Foot: What Buyers Should KnowRead More
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Over 100 finance firms moved to West Palm Beach. Here's what the Wall Street South boom means for buyers — and where the value still is.
Wall Street Moved to West Palm Beach: A Buyer's GuideRead More
Doral condo prices dipped 3.4% and inventory is rising while pending sales jumped 37%. Here's how I turn that split into buyer leverage.
Doral Condo Market: Where Buyers Have LeverageRead More
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The rich stopped buying Miami as a second home — they're moving here for good. The tax and homestead reasons, and how any buyer can follow.
Why the Wealthy Now Call Miami Their Primary HomeRead More
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A big condo special assessment isn't a dealbreaker — it's negotiating room. Here's exactly how I turn it into a lower price for Miami buyers.
Miami Condo Assessments: Turn Them Into Buyer LeverageRead More
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Miami's biggest luxury condo delivery wave in years is landing through 2027. More supply means deeper inventory and real buyer leverage — here's exactly how I'd use it.
Miami's New Condo Wave: What More Supply Means for BuyersRead More
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A new index says Miami passed NYC on cost of living. But homes still run ~$357/sqft vs $537, rent is far lower, and Florida has no state income tax. Here's the honest math before you move.
Is Miami Still Cheaper Than New York? What the Headlines MissRead More
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The county still runs a buyer's market, but these two neighborhoods lead Miami on price growth, speed, and scarcity. Here's how I read the split — and where buyers still find room.
Coral Gables & Coconut Grove: Miami's Tightest Condo MarketRead More
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Condo inventory just dropped for the fifth straight month to 12.3 months of supply while sales rose for the tenth month running. It's still a buyer's market — but the leverage window is narrowing. Here's how I'd play it now.
Miami Condo Inventory Is Falling — The Buyer's Window Is NarrowingRead More
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Million-dollar sales jumped nearly 40% as New York and California buyers return. But it's a two-speed market — and condo buyers still have real leverage. Here's how I'd play it.
Miami Million-Dollar Sales Surge: Who's Really BuyingRead More
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Wells Fargo, Palantir, and more keep relocating to South Florida — yet condos still sit in a buyer's market near 10 months of supply. That gap is your window. Here's how I'd use it.
South Florida's HQ Boom: Buy Before the Demand Catches UpRead More
Miami-Dade sits near 13 months of resale supply closing at ~93% of list — yet new towers sell out at full price. Two opposite markets, one city. Here's how I decide which one is yours.
Miami Preconstruction vs. Resale: Which Condo Actually Wins for You?Read More
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Edgewater led Miami with ~120% condo sales growth and the area's highest price per square foot — yet with the county near 13 months of supply, disciplined buyers still have real room. Here's where.
Edgewater Is Miami's Fastest-Growing Condo Neighborhood — and Buyers Still Have LeverageRead More
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$1M+ sales jumped ~22% while buyers gained leverage on the broad market. It's a two-speed market — here's how I coach clients to find which lane they're in and buy smart.
Miami Luxury Condo Sales Are Rising Even in a Buyer's MarketRead More
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Hedge funds and family offices keep landing in Brickell — and roughly 70% of $1M+ condo sales are all cash. Here's what the Wall Street South era means for buyers and how I help you compete.
Wall Street South: Why Finance Money Keeps Buying MiamiRead More
Wall Street didn't just send executives south — it moved firms. Here's the real tax math (~$110K/yr at $1M), the neighborhoods that fit a New Yorker, and how I help you buy and protect what you've built.
Moving From New York to Miami: The Complete 2026 GuideRead More
A new July 1 law refunds the sales tax on impact windows and doors, and Save Our Homes portability just got wider. Here's how I'd stack both to protect the home and the legacy.
Florida Will Now Pay You to Harden Your Home — The July 1 Tax Refund Most Owners Will MissRead More
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More inventory, prices friendlier than Miami-Dade, and a condo market resetting in the open. Broward quietly handed buyers real leverage this summer — here's how I'd use it.
Everyone's Watching Miami. I'm Telling My Buyers to Look North — Broward's Quiet Advantage in Summer 2026Read More
Miami ranks No. 4 in the nation for down-payment size. Before you stretch to hit 20%, here's the down-payment math I walk every buyer through — and how to put money down without draining your protection.
Miami Buyers Put 20% Down While the Country Puts 15% — The Number I Actually Care AboutRead More
90,300 apartments now sit in the national office-conversion pipeline, up 28% in a year. Here's what that new rental supply does to Miami condo math — and where the buyer leverage really is.
Offices Are Becoming Apartments: What the Conversion Boom Means for Miami Buyers in 2026Read More
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Two viral claims — an HOA dissolution process and a new roof-age law — never actually passed. Here's what really changed, starting with the Citizens rate cut, and how I read it for buyers.
What Actually Changed July 1, 2026 for Florida Homeowners — Facts vs. the Viral MythsRead More
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Brickell is sitting on roughly 17 months of condo supply — the most buyer-friendly it's been in years. Listings sit 113 days and offers 5–8% under asking are landing. Here's how I coach buyers to use it.
Brickell Has 17 Months of Condo Supply — And That's Your OpeningRead More
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Developers plan to add 8,600+ apartments across a half-dozen dying malls. I read that as a map of where value is moving next — here's how I'd position a buyer ahead of the crowd, and where the risk hides.
South Florida's Malls Are Becoming Neighborhoods: What Smart Buyers Should KnowRead More
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Rates near 6.6% aren't dropping fast — but you don't have to wait for the Fed. Here's how I coach Miami buyers to get the seller to fund a rate buydown that cuts your payment more than a price cut.
Beating a 6.6% Mortgage: The Rate Buydown Play Miami Buyers Are Using in 2026Read More
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List prices just dipped for the eighth straight month and homes are sitting 113 days. If you're selling in South Florida in 2026, here's exactly how I'd recalibrate your price so you don't chase the market down.
Miami Sellers: The June Numbers Are a Wake-Up Call — How to RecalibrateRead More
Miami-Dade eight-figure sales climbed 35% and nearly 6 in 10 close in cash. Here's how I read South Florida's ultra-luxury boom for my clients — and the lesson in it for every buyer, not just the ones writing eight-figure checks.
$10 Million Sales Jumped 35% — What It Means for Miami BuyersRead More
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South Florida is averaging roughly one $10 million-plus home sale a day, and Florida's new mortgage cybersecurity law just raised the stakes at closing. Here's what luxury buyers need to know before they wire a dollar.
Wire Transfer Fraud & Cybersecurity Protection at Luxury ClosingRead More
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St. Regis & Cipriani in Brickell, Bentley & St. Regis in Sunny Isles, EDITION in Edgewater, Vita in Coconut Grove — the pre-construction towers buyers are searching most, with prices, completion dates, and how to buy smart.
Top New Construction Searches in Miami 2026Read More
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Nearly half of Miami condo buyers paid all cash in 2026. Before you tie up every dollar in a home, here's how I help clients weigh cash vs. financing and protect their liquidity.
Paying Cash vs. Financing a Miami Home — Protecting Your LiquidityRead More
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South Florida's luxury market is surging, and new buyers protect the building but forget the people inside it. Here's the wealth protection layer I walk every client through before they close.
Financial Protection Strategy Luxury Buyers OverlookRead More
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Miami homes now take 87 days to sell — up from 75 a year ago — with a 4.7-month supply. Here's exactly how I coach buyers to turn a slower summer market into a better deal.
Miami Buyers 87-Day Negotiating Window — Summer 2026Read More
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The mainstream market has cooled — 87 days on market, more room to negotiate — while luxury $1M+ sales surged over 21%. Here's how I tell clients to play each side in mid-2026.
Miami Two-Speed Market — Luxury vs. Mainstream 2026Read More
A 70-story landmark by Ytech with just 189 bay-facing residences and the world's first "Solar Backbone." Pricing from $3.8M — here's the full buyer's breakdown and how to position for the best inventory.
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Rates ticked back up to about 6.64% after the Fed signaled a possible hike — not a cut — later in 2026. Here's what that hawkish turn really means for Miami buyers, and why the wait-for-lower-rates plan just lost its finish line.
Mortgage Rates Rising — What Miami Buyers Must Know 2026Read More
Condos are sitting at nearly 13 months of supply and closing around 93% of list. The leverage has shifted to buyers — here's exactly how I help my clients use it without walking into a building's hidden assessments.
Miami Condo Buyers Have the Leverage — How to Use It 2026Read More
Buyers are paying $683 a foot while some sellers still ask $846 — a 24% spread. Here's how I read that bid-ask gap in 2026, and exactly how I close the deal from either side of the table.
Miami Buyer-Seller $163 Price Gap — How to Close the DealRead More
Florida just posted the country's highest foreclosure rate, and the cause isn't the mortgage — it's the carrying costs. Here's how I help buyers budget the real number and protect the home long after closing day.
Florida Leads Nation in Foreclosures — How to Protect Your HomeRead More
Wells Fargo, D-Wave, GFL — the headquarters keep landing in Miami and the Palm Beaches. Here's how I read that corporate migration for my buyers, where the demand is heading, and how to get ahead of it.
Corporate Relocations Driving South Florida Luxury Demand 2026Read More
Florida's reserve and SIRS rules are now fully in effect, and they change how you buy a condo. Here's exactly what I make every client check — reserves, assessments, and the master policy — before we ever write an offer.
Miami Condo Reserve Law — Complete Buyer Guide 2026Read More
Condos are sitting near 13 months of supply while houses run under 6. Same county, opposite markets. Here's how I tell my clients to play each side — where to negotiate hard and where to move fast.
Miami Condos vs. Single-Family Homes — Two Markets in 2026Read More
Rates easing toward the high 5s, inventory loosening, and a $25M waterfront sale on the books. Here's my honest read on where South Florida luxury is headed through the rest of 2026 — and where prepared buyers actually have leverage.
Miami Luxury Market Forecast Second Half 2026Read More
The Fed met June 16–17 and held rates again. Here's the truth I tell my buyers: even a Fed cut won't drop your mortgage the way you think — and waiting for a lower number has been a losing bet for three years.
Fed Holds Rates Again — What It Means for Miami Buyers June 2026Read More
Doral just ranked #3 in the U.S. for quality of life and saw a 29% jump in million-dollar home sales. Here's where I'm placing professional buyers in 2026 — and why the right neighborhood depends on how you actually live.
Best Miami Neighborhoods for Professionals Relocating 2026Read More
Both are luxury. Both are appreciating. But they are not the same city. Here's how I walk buyers through the choice — with the current numbers and what each neighborhood is really built for.
Sunny Isles Beach vs. Brickell — Which Miami Neighborhood Is Right for You?Read MoreGet insider knowledge on South Florida's hottest neighborhoods, new developments, and market trends.
Buying a home is a major milestone. Mortgage protection, life insurance, IUL, and annuities can help protect your family, your income, and your long-term wealth.
As both a licensed real estate professional and insurance advisor, I offer a unique perspective that most agents can't — making sure your biggest investment is protected from day one.
"Home buying in the current market has been a nightmare for so many. Agu came to the rescue and made the process very easy. He was knowledgeable in the areas I sought out, great at communication with both my lender and the seller, and we were able to close in 21 days. I couldn't be happier!"
"An expert in his work. He arrives on time and gives you many options for what you are looking for. He is excellent at negotiating properties and quickly finds exactly what you ask for. Very kind and professional throughout the entire process."
"Agu helped me protect my investments with mortgage insurance protection. The banks build PMI into the loans to protect themselves — we should be doing the same! Great advisor who truly looks out for his clients."
"Agu went above and beyond to help me find the perfect home. His knowledge of the South Florida market is exceptional, and he made every step of the process smooth and stress-free. Highly recommend!"
FL Real Estate License SL3588365. Brokered by Premier Partners | Real Brokerage.
Insurance NPN 22138920. Life, annuities, and mortgage protection for South Florida homeowners.
Deep expertise in Miami's top luxury neighborhoods — Brickell, Sunny Isles, Coral Gables, and beyond.
Featured across social platforms with a growing audience of buyers, sellers, and investors across South Florida.
15+ years in corporate leadership, fitness entrepreneurship, and entertainment before luxury real estate.
Working with domestic and international buyers relocating to South Florida's most sought-after communities.
Free 2026 Buyer Resource
Read the market like an agent — negotiating leverage by submarket, SIRS/reserve red flags, real carrying costs, and the insurance documents to verify before you buy. Plus Miami deal alerts before the crowd.
Whether you're ready to buy, sell, need insurance, or simply want to explore your options — I'm here to help. No pressure, no obligation.
(305) 791-0812
agu@homewithagu.com
Miami, Sunny Isles, Aventura, Brickell, Fort Lauderdale, Palm Beach, Georgia & California (Real Estate)
Nationwide (Insurance, IUL, Annuities)
