In-Depth Article Series

Puerto Rico Trust Law for Act 60 Investors

A practitioner-grade series covering everything from trust fundamentals to advanced tax planning. Written by Hans Riefkohl for investors who want to understand the law, not just follow instructions.

⭐ Start Here — Cornerstone Guides

The two foundational guides every trust and Act 60 plan begins with.

GUIDE

The Complete Guide to Puerto Rico Trusts

How trusts work under Law 219-2012 — formation, the autonomous estate, tax treatment, and when a trust beats a will.

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GUIDE

Bona Fide Residency & Source-of-Income Rules

The foundation of every Act 60 plan: the three residency tests under IRC §937 (presence, tax home, closer connection) and how income sourcing decides what the exclusion actually saves you.

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🏛️ Trust Foundations

Start here to understand how Puerto Rico trusts work and why they differ from mainland trusts.

What Is a Puerto Rico Trust?

The autonomous estate concept, Law 219-2012, and why PR trusts are fundamentally different from mainland trusts.

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Trust Planning for Act 60 Investors

Maintain your mainland revocable trust or create a new PR irrevocable trust? The central decision framework.

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GUIDE

Bringing Your Mainland Trust to PR

What Section 45147 protects, what it doesn’t, and how to avoid the civil law gap.

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🛡️ Trust Types & Strategies

Deep dives into specific trust structures and when to use them.

Modifying Irrevocable Trusts

Four statutory mechanisms for adapting trusts that were designed to be permanent.

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Asset Protection Trusts

The autonomous estate doctrine and three-layer creditor protection structure.

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Special Needs Trusts & Medicaid

SNTs, Medicaid planning, and the unique PR context where nursing facility coverage doesn’t exist.

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ILITs and SLATs

Advanced estate tax reduction for high-net-worth Act 60 couples through irrevocable life insurance and spousal access trusts.

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⚖️ Legal & Tax Framework

The legal rules, tax implications, and case law that shape trust planning.

Avoiding Probate & Legítima

How to structure trusts that bypass probate while fully respecting forced heirship.

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Trust Taxation

Federal grantor trust rules, the three-layer analysis, HB 505, and the OBBBA’s impact.

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Landmark Trust Cases

Sixteen essential PR court decisions from 1957 to 2025 that define how trusts actually work.

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Fiduciary Duties

What your trustee owes you: the five core duties, liability framework, and removal standards.

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GUIDE

The Foreign Trust Trap

Why moving to Puerto Rico can accidentally convert your domestic trust into a foreign trust for IRS purposes.

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📊 Practical Guides

Real-world costs, common mistakes, and how to avoid them.

Trust Costs in Puerto Rico

A transparent breakdown of creation, administration, and termination fees — from $1,500 simple trusts to $35,000+ complex structures.

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Family Trust Pitfalls

Ten specific mistakes that have destroyed family trusts in PR courts, with case illustrations and surgical solutions.

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🏠 Act 60 + Estate Planning

The pairing no pure-tax firm offers: get your decree and protect your wealth under Puerto Rico forced heirship — designed as one engagement.

GUIDE

Estate Planning for Act 60 Relocatees

The 5 risks your mainland estate plan hits in Puerto Rico — forced heirship, unrecognized trusts, no decree succession — and how one firm fixes both halves. En español →

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Trust Planning for Act 60 Investors

Keep your mainland revocable trust or create a new PR irrevocable trust? The decision framework for decree holders.

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⏳ Act 60 Decree Toolkit — File Before Dec 31, 2026

Deadline mechanics, savings math, eligibility, and state-departure planning for prospective decree holders.

GUIDE

The Act 60 Deadline: Filing Date vs. Move Date

Why your filing date — not your move date — controls grandfathering under the December 31, 2026 deadline, and how to file before you relocate.

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TOOL

0% vs. 4% Savings Calculator

Model what an Act 60 decree actually saves you — investor 0% and export-services 4% scenarios, side by side.

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TOOL

Act 60 Eligibility Quiz

A five-minute self-assessment: are you a strong candidate for a decree, a marginal one, or better off not applying?

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Act 60 Requirements: 2026 Checklist

Every requirement to qualify for and keep a decree — residency, the home purchase, the $10K donation, and annual reporting.

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Does Act 60 Eliminate GILTI & Subpart F?

What a decree does — and does not — do for business owners with CFCs, and where the federal anti-deferral rules still reach.

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Who Should NOT Apply for Act 60

The red flags: income types, family situations, and business models where a decree costs more than it saves.

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The True Cost of Act 60 — Is It Worth It?

Filing fees, the annual donation, compliance costs, and the honest break-even math.

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Do You Still Owe U.S. Taxes in Puerto Rico?

What IRC §933 excludes, what you still owe, and why you keep filing with the IRS after the move.

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Leaving California for Puerto Rico

FTB residency audits, the Bragg factors, the 546-day safe harbor, and how to actually cut California ties.

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Leaving New York for Puerto Rico

New York’s domicile test, statutory residency, and the audit defense playbook for departing residents.

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🇦🇸 Recursos en Español

Guías completas sobre fideicomisos, sucesiones y la Ley 60 — escritas para residentes de Puerto Rico.

¿Qué es un Fideicomiso en Puerto Rico?

Cómo funcionan los fideicomisos bajo la Ley 219-2012: el patrimonio autónomo, tipos de fideicomiso y cuándo conviene crear uno.

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¿Cuánto Cuesta un Fideicomiso?

Costos reales de crear y administrar un fideicomiso en Puerto Rico — honorarios, gastos notariales y mantenimiento anual.

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Fideicomiso Irrevocable en Puerto Rico

Protección de activos, planificación sucesoral y las reglas de la Ley 219-2012 para fideicomisos irrevocables.

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GUÍA

Ley 60: Fecha Límite 2026

Por qué la fecha de radicación — no la mudanza — controla sus beneficios bajo la fecha límite del 31 de diciembre de 2026.

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Requisitos de la Ley 60 en 2026

Todos los requisitos para cualificar y conservar un decreto: residencia bona fide, la vivienda, el donativo anual y los informes.

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¿Todavía Paga Impuestos Federales en PR?

Lo que excluye la Sección 933, lo que sigue debiendo al IRS y por qué mudarse no elimina toda su planilla federal.

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Ley 60: Guía para Inversionistas

Requisitos de residencia, beneficios contributivos, proceso de solicitud y errores comunes de los inversionistas individuales.

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Declaratoria de Herederos en Puerto Rico

El proceso paso a paso cuando no hay testamento: documentos, tribunal o notario, y cuánto tarda.

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