Maximizing Wealth: Puerto Rican Tax Strategies with Víctor Delerme

Could telehealth services make you eligible for Puerto Rico's 4% tax rate and 0% capital gains?

Dr. Chacon speaks with Víctor Delerme, CPA, founder of Delerme CPA with offices in San Juan, Miami, and Atlanta. With over 16 years of experience and licenses in both Puerto Rico and Georgia, Víctor specializes in helping high-income physicians, entrepreneurs, and investors dramatically reduce their tax burden through Puerto Rico's Act 60 incentives. What if you could reduce your tax rate from 50% to as low as 4%—or even 2%—on export services, and pay 0% on capital gains? Víctor explains how relocating to Puerto Rico offers physicians practicing telehealth unprecedented opportunities to build wealth rather than surrender it to excessive taxation.

The conversation explores Puerto Rico's distinct tax incentives for both business owners and investors, compliance requirements including the six-month residency rule, and the critical importance of working with strategists who understand both U.S. and Puerto Rico tax law. Víctor shares compelling success stories, including one client who recovered $800,000 in overpaid taxes. They discuss the holistic planning approach necessary for a smooth transition, emerging trends in global tax mobility, practical considerations for establishing a medical practice in Puerto Rico, and why proper guidance makes all the difference in maximizing these life-changing opportunities.

Víctor Delerme, CPA, is the founder of Delerme CPA, a boutique tax advisory firm specializing in Puerto Rico's Act 60 incentives with offices in San Juan, Miami, and Atlanta. Licensed in both Puerto Rico and Georgia, Víctor leverages over 16 years of experience helping physicians, entrepreneurs, and high-income earners keep more of what they earn through strategic, compliant tax planning. After beginning his career at KPMG and working with regional firms in Atlanta, he identified a critical gap in personalized tax strategy and built a team of 30+ professionals dedicated to export service optimization, capital gains planning, cryptocurrency strategies, and international tax structuring. What sets Víctor apart? His holistic approach combines deep expertise in both U.S. and Puerto Rico tax law with genuine understanding of each client's financial goals and lifestyle, ensuring seamless transitions that transform tax burdens into wealth-building opportunities.

In This Episode:

• (00:00) How high-income physicians can reduce tax rates from 50% to as low as 4% or even 2%
• (05:00) Puerto Rico's dual tax incentives: 4% on export services and 0% on capital gains
• (10:41) Compliance requirements, the six-month residency rule, and addressing audit concerns
• (16:07) Success story: How one client recovered $800,000 in overpaid taxes
• (22:07) First steps for business owners considering relocation to Puerto Rico
• (27:19) Establishing a medical practice in Puerto Rico and understanding the market
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About the show: Welcome to Skin Deep, a podcast designed for dermatology professionals. Host Dr. Anna Chacon, a distinguished dermatologist and author, shares her unique experiences and offers valuable insights on the future of dermatology, including telemedicine and teledermatology in reaching underserved communities. Dr. Chacon provides actionable recommendations for dermatology practices, emphasizing compassion, patient education, and staying current with advancements in the field.

About the host: Dr. Anna Chacon, board-certified dermatologist and founder of Indigenous Dermatology, specializes in treating patients...

Chapters

• (00:00:00) - CPA Victor Delerme on Puerto Rico Taxes
• (00:02:32) - Don't Overpay Taxes
• (00:05:04) - Puerto Rico tax incentives for doctors and business owners
• (00:12:49) - Are Tax Aspirations Common in Puerto Rico?
• (00:14:24) - How do you approach the Puerto Rico tax incentive?
• (00:16:03) - Tax Success Story
• (00:18:26) - Starting a firm after earning your CPA
• (00:20:22) - How to Prepare and Prepare Tax Returns in Puerto Rico
• (00:23:32) - What trends do you see in global mobility taxation?
• (00:24:57) - MDs on the Cost of Relocating to Puerto Rico
• (00:29:08) - What is the youngest person you have helped?