Vertical handoff is one of the most important issues for the next generation heterogeneous wireless networks. However, in many situations, unbeneficial vertical handoffs occur across intersystem heterogeneous networks cause network performance degradation. Therefore, we propose a novel configuration architecture that can be deployed in the next generation of wireless networks. Second, we propose a predictive and adaptive Vertical Handoff Decision Scheme that optimizes the handoff initiation time as well as selection of the most optimal network. The proposed vertical handoff decision algorithm considers the technology type as well as the Signal to Interference Ratio (SIR), the Mobile Station (MS) velocity, the user preferences, the applications requirements and the terminal capabilities as the most important factors to make vertical handoff decision. In order to minimize handoff costs, the proposed decision algorithm uses the dwell timer concept. The handoff costs are analyzed in terms of unnecessary and unbeneficial handoffs rate.The simulation results show that the reduction of unnecessary handoffs proposed in our vertical handoff decision scheme reduces the handoff blocking probability, the packets loss rate and the handoff overhead