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Cook Islands Trusts

Thoughtful asset protection planning works best when implemented early. From legitimate concerns about wealth preservation in high-risk fields to estate planning challenges for international assets, a Cook Islands trust provides a well-established offshore protection strategy. For even stronger protection, many clients choose to pair their trust with a Cook Islands LLC.

Ready to discuss how a Cook Islands asset protection trust can benefit you? Schedule a free consultation with our specialists to discuss your situation, and we’ll explain how this option might fit into your broader financial planning strategy.

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What is a Cook Islands Trust?

Established in the Cook Islands, this legal structure helps protect your assets from future claims or litigation. It operates under Cook Islands law, a jurisdiction internationally recognized for its strong asset protection laws.

When you establish a Cook Islands trust, you transfer your assets to a licensed Cook Islands trustee who then holds and manages these assets according to specific terms in your trust deed. This creates a legal separation between you and your assets while allowing you to benefit from them.

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Cook Islands Trust (2)

Our Cook Island Trust Service

$ 10,000

What’s Included?

  • Registered and operational Asset Protection Trust
  • Complete application process handled on your behalf
  • Due diligence checks conducted as part of the service
  • Drafting of all required country-compliant trust documents, such as the trust deed
  • Coverage of all third-party costs, including first-year trustee and registration fees, with the appropriate government body

The Cook Islands Trust is one of the most secure and effective solutions for safeguarding wealth and valuable assets. Its formidable asset protection laws, international reach, and protective statutory framework offer peace of mind and robust protection for individuals in high-risk professions or anyone seeking to shield their assets from potential legal threats.

Add this entity to your cart and proceed to checkout; a representative will reach out to guide you through the process. If you are not ready to purchase, you can book a free consultation using the link below.

No payment information is required as our trust services in Cook Island are only invoiced once approved.

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For more information, view our Application Process guide.

Common Uses

Cook Islands trusts are utilized by individuals to safeguard diverse assets such as investment portfolios, intellectual property, offshore bank accounts, and real estate holdings. This versatility makes Cook Islands trusts an attractive option for managing and protecting assets across various sectors and jurisdictions. These trusts are particularly valuable for those concerned about potential lawsuits.

About The Cook Islands

The Cook Islands, located in the South Pacific, is renowned for its secure and stable offshore financial environment. With a strong commitment to financial privacy and asset protection, the Cook Islands has become a preferred jurisdiction for those seeking to safeguard their wealth.

Why You Should Consider a Cooks Island Trust

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Legal Separation

With a Cook Islands offshore asset protection trust, your assets gain legal separation from your personal estate. This separation creates a powerful barrier against future claims, as assets are no longer considered your direct property. Instead, they’re held by a licensed trustee in a jurisdiction designed explicitly for asset protection. The trustee acts strictly according to the terms of the trust deed, which outlines the structure, purpose, and management of the trust. Their primary duty is to act in the best interests of the beneficiaries you designate upon establishment.


This legal distance is invaluable when facing potential litigation or other financial threats, allowing you to benefit from the assets according to the trust’s terms.
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Professional Risk Management

Domestic asset protection often falls short for medical professionals, business owners, and executives. Standard liability insurance and corporate structures may leave personal wealth exposed to claims that exceed coverage limits or pierce corporate veils.

A Cook Islands offshore trust adds a crucial layer of protection, placing your assets beyond the reach of domestic courts. This protection proves particularly valuable in America’s litigious environment, where successful professionals often become targets for opportunistic claims.
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Stronger Asset Protection

The Cook Islands legal system provides exceptional protection through legislation specifically designed to safeguard trust assets. Assets placed into a Cook Islands Trust are fully protected from creditors, depending on when they are transferred into the trust relative to when a creditor’s claim arises. If assets are transferred before a creditor’s claim starts, they are shielded immediately. Even if a claim arises later, assets settled into the trust are still protected unless legal action has already begun against the person setting up the trust. In addition to this, foreign judgments are not recognized in the Cook Islands; the creditor must, therefore, commence proceedings anew in a Cook Islands court.


Foreign court orders typically cannot affect trust assets, and creditors face significant hurdles if they attempt to pursue claims. Any legal challenges to transfers into the trust must be made within two years of the transfer date. The jurisdiction’s short statute of limitations and high burden of proof create formidable barriers against future claims. For a claim of fraudulent transfer to succeed, a creditor must prove beyond reasonable doubt in the Cook Islands High Court that the transfer was made with the intent to defraud them and that it left the person unable to pay their debts.

Unlike domestic trusts, Cook Islands trusts have consistently demonstrated their effectiveness in protecting assets from aggressive litigation. The Cook Islands have a solid case law history demonstrating consistent protection of trust assets when properly established.

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Flexible Structure

Your trust can hold assets worldwide while maintaining protection under Cook Islands law. You can adapt the trust structure as circumstances change, modify beneficiaries when needed, and maintain indirect control through your chosen trust protector. This adaptability ensures your trust remains effective as your needs evolve.


Cook Islands trusts are not affected by laws in the home country of the person setting up the trust or its beneficiaries that dictate who should inherit what. Additionally, these trusts can last indefinitely, allowing for the creation of trusts that benefit multiple generations of a family. Disclosure of information about international trusts to third parties is prohibited, except when authorized by law, providing strong privacy protections.

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Practical Cost Advantages

Through our direct presence in the Cook Islands, we offer these sophisticated trust structures at significantly lower costs than traditional providers. While US attorneys typically charge up to $30,000 for offshore trust formation, our comprehensive service starts at $10,000. This competitive pricing reflects our efficient operating model and established local relationships, not a compromise in quality.

What Can a Cook Islands Trust Protect?

A common misconception about these trusts is that the protected assets must be physically located in the Cook Islands. In reality, you can keep your assets in major financial centres worldwide like Switzerland, Singapore, or Hong Kong.

This flexibility allows you to work with international banks and investment firms in stable financial jurisdictions while maintaining the robust legal protection of Cook Islands trust law.

Financial Assets

  • Cash and bank accounts
  • Investment portfolios
  • Retirement accounts (certain types)
  • Securities and bonds
  • Cryptocurrency holdings
  • Foreign currency accounts

Business Interests

  • Company shares
  • Partnership interests
  • Business assets
  • Intellectual property
  • Licensing rights
  • Future income streams

Physical Assets

  • Real estate (through holding structures)
  • Precious metals
  • Investment-grade collectibles
  • High-value personal property
  • Commercial equipment
  • Rental properties

Investment Holdings

  • Mutual funds
  • Private equity investments
  • Hedge fund positions
  • International investments
  • Trading accounts
  • Managed portfolios
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Structure of a Cook Islands Trust

1

The Settlor (You)

As the settlor, you establish the trust and transfer assets into the structure. You also define the trust’s terms and conditions, outlining how you want your assets to be managed and distributed.

2

The Trustee

At the core of every offshore trust is a licensed trust company that serves as the trustee. This professional entity takes legal ownership of trust assets and manages them according to your established terms. The trustee makes distribution decisions, handles administrative responsibilities, and is legally bound to act in the beneficiaries’ best interests.

Their professional oversight ensures that your Cook Islands offshore trust maintains compliance with the relevant regulations while providing the protection you seek.
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3

The Trust Protector

The trust protector, typically your trusted advisor or representative, acts as an essential check on the trustee’s powers. They are often located in your home country and can replace the trustee if necessary to help ensure your trust operates as intended. This person may be an attorney, trust protector company, family member, or another trustworthy person.

4

The Beneficiaries

Beneficiaries are the individuals who receive benefits from the trust, typically including you and your family members. The trust deed can specify how and when beneficiaries receive distributions, and you can often modify these terms according to changing circumstances. Your beneficiary’s rights are protected under Cook Islands law, and you can design the structure to benefit future generations.

How We Help You with Setting Up a Cook Islands Trust

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Essential Documentation

The foundation of a robust Cook Islands trust structure begins with comprehensive documentation. Before initiating your trust formation, familiarize yourself with our detailed guide on how to set up an offshore trust to understand the complete process.

You will need to provide us with:

  • Valid government-issued identification
  • Proof of address (issued within last 3 months)
  • Source of wealth documentation
  • Professional references (if applicable)
  • Comprehensive asset schedule
  • Bank statements (previous 6 months)
  • Investment portfolio statements
  • Property ownership certificates
  • Business ownership documentation (if applicable)
  • Existing trust or corporate structure details

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Initial Consultation

The process begins with a comprehensive assessment of your protection requirements. Our Cook Islands trust company experts will evaluate your current asset profile and future protection needs. This helps us develop a custom asset protection strategy aligned with your circumstances.

Building Your Trust Framework

This documentation and compliance phase encompasses comprehensive verification procedures and rigorous due diligence protocols designed to ensure robust legal standing.

Our legal team oversees the precise drafting and review of your trust deed, followed by a structured trustee approval process that leverages our direct relationships with leading Cook Islands trustees.
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Implementation

The final phase focuses on practical implementation. Our team manages all aspects of trust registration and coordinates with top-tier Cook Islands trustees to establish your structure. We handle the technical details of asset transfer strategies and banking relationships, ensuring a seamless transition that maintains security and accessibility.

Why Choose Our Cook Islands Trust Company

Unlike traditional US-based attorneys, our direct presence in the Cook Islands uniquely positions us to manage all aspects of your trust structure effectively. Our direct presence in the jurisdiction allows us to serve as your primary advisor and coordinator throughout the trust’s lifecycle.

Expertise and execution are critical in the realm of overseas asset protection. This is why you need to work with one of the best Cook Islands trust companies that combines deep jurisdictional knowledge, strategic trustee relationships, and cost-efficient formation processes. 

The team brings decades of specialized experience in offshore financial services, ensuring that when you work with Offshore Broker, you get more than a Cook Islands trust formation service; you gain a long-term partner. We handle ongoing compliance management, regularly review your trust structure, and maintain clear communication as your needs evolve. Our direct presence means we can address issues immediately and in person rather than through lengthy correspondence.

While traditional US-based providers typically charge $15,000 to $30,000 for trust formation, our streamlined approach delivers superior, cost-effective protection at approximately $10,000. This pricing advantage stems from our direct relationships with premier Cook Islands trustees and refined operational framework, not from compromising service quality.

Our online platform provides a streamlined process that saves money while ensuring the highest service standards. We collaborate with reputable registered agents and service providers who meet our stringent criteria, guaranteeing professionalism and reliability throughout the trust formation process.

Whether you have questions about your trust, need to make adjustments, or require guidance on protecting additional assets, our team provides responsive and professional support. 

Contact us today to discuss how a Cook Island trust can help secure your financial future.

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FREQUENTLY ASKED QUESTIONS

Where are the Cook Islands?

The Cook Islands are a group of islands positioned in the heart of the South Pacific Ocean. Nestled between New Zealand and Hawaii, this tropical archipelago spans a vast area North East of New Zealand.

Comprising 15 islands, each with its unique charm and natural beauty, the Cook Islands have become a sought-after destination for those seeking a tranquil escape in a tropical paradise. Situated approximately 3,000 kilometers (1,864 miles) southwest of Hawaii and 2,200 kilometers (1,367 miles) northeast of New Zealand, the Cook Islands boast pristine white-sand beaches, crystal-clear turquoise waters, and lush, vibrant landscapes.

The main population centers include Rarotonga, the capital, and Avarua, serving as the nation’s political and cultural hub. In addition to its geographical allure, the Cook Islands have cultivated a notable financial services industry, establishing the very first asset protection legislation in the early 80s. While the islands are renowned for their natural beauty and cultural richness, the financial sector plays a pivotal role in the economic landscape.

The Cook Islands have positioned themselves as a reputable offshore financial center. Offering a range of services, including banking, asset protection trusts, and international business entities, the Cook Islands is an attractive destination for those seeking financial privacy, security, and strategic wealth management.

Beyond its financial services, the Cook Islands maintain a harmonious balance, allowing residents and visitors to experience the best of both worlds — a tropical haven and a hub for sophisticated financial solutions.

How are the Cook Islands trusts taxed?

The Cook Islands does not impose income tax on properly structured offshore trusts. However, this local tax treatment does not affect your obligations to report and pay tax in your home jurisdiction.

For US persons, Cook Islands trusts are typically classified as ‘grantor trusts’ for tax purposes. This means the trust’s income is taxable to you, the grantor, and must be reported on your personal tax return.

Given the complexity of international tax law, we strongly recommend maintaining a relationship with a qualified tax professional who can provide specific advice for your situation.

Why is the Cook Islands a premier jurisdiction?

Since introducing its International Trusts Act in 1984, the Cook Islands has earned its reputation as the world’s leading asset protection jurisdiction through decades of specialized legislation and proven effectiveness.

As a self-governing nation in free association with New Zealand, the Cook Islands maintains a stable, independent judicial system. Local courts have consistently demonstrated their commitment to upholding trust law, refusing to recognize foreign judgments that conflict with Cook Islands trust legislation.

Through our direct presence in the Cook Islands, Offshore Broker helps you access these advantages while ensuring your trust structure fully complies with all local requirements.

Why should I choose the Cook Islands over a domestic U.S. Trust?

Domestic trusts are typically established based on the laws of the settlor’s home country. Although they offer a familiar asset management and distribution approach, they are significantly more exposed to domestic legal challenges, creditor claims, and specific tax considerations. Additionally, domestic asset protection trusts may still face vulnerability to judgments within their home jurisdiction.

In contrast, a Cook Islands Trust provides a more resilient shield against these challenges, offering enhanced privacy, global recognition, and stringent legal safeguards.

Is a Cook Islands trust the best offshore trust?

While the Cook Islands is widely recognized as a leading trust jurisdiction, determining if it is the best depends entirely on circumstances like your protection needs, asset types, and long-term objectives.

At Offshore Broker, we specialize in Cook Islands and Nevis asset protection trusts because we recognize that different clients have different needs. Rather than promoting one over another, we assess your situation and recommend the structure that best serves your goals.

What should I look out for when choosing a Cook Islands Trust company?

When selecting a reliable company, consider several critical factors, such as credentials, structural transparency, and legal framework expertise.

Verify your trust company’s operational history and whether they have direct relationships with established Cook Islands trustees, rather than reliance on intermediaries. Be mindful of formation costs—reputable providers maintain transparent pricing frameworks encompassing all aspects of trust establishment and ongoing maintenance.

Your provider should also demonstrate a comprehensive understanding of Cook Islands trust legislation and international legal considerations. This expertise is particularly crucial for maintaining compliance and maximizing available protection mechanisms.

Are there specific requirements for establishing a Cook Islands Trust?

While specific requirements may vary, generally, establishing a Cook Islands Trust involves selecting a qualified trustee, settling assets into the trust, and ensuring compliance is met—all of which can be done through Offshore Broker.

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Our Structures

Cook Islands Trust + Bank Account Cook Islands Trust + Bank Account

Cook Islands Trust + Bank Account

$11,000

U.S.A. LLC + Bank Account U.S.A. LLC + Bank Account

U.S.A. LLC + Bank Account

$1700 - $2,300

Offshore Bank Account Offshore Bank Account

Offshore Bank Account

$1,100

Total Protection Package Total Protection Package

Total Protection Package

$12,000

Nevis Trust Nevis Trust

Nevis Trust

$10,000

Cook Islands Trust Cook Islands Trust

Cook Islands Trust

$10,000

BVI Business Company BVI Business Company

BVI Business Company

$3,900

Cook Islands IBC + Bank Account Cook Islands IBC + Bank Account

Cook Islands IBC + Bank Account

$3,250

Cook Islands LLC + Bank Account Cook Islands LLC + Bank Account

Cook Islands LLC + Bank Account

$3,250

U.S.A. LLC U.S.A. LLC

U.S.A. LLC

$700 - $1,300

Cook Islands LLC + Bank Account Cook Islands LLC + Bank Account

Cook Islands LLC + Bank Account

$3,000

Nevis IBC Nevis IBC

Nevis IBC

$2,250

Nevis LLC Nevis LLC

Nevis LLC

$2,000

Cook Islands Foundation Cook Islands Foundation

Cook Islands Foundation

$6,500

Nevis LLC + Bank Account Nevis LLC + Bank Account

Nevis LLC + Bank Account

$3,000

Nevis IBC + Bank Account Nevis IBC + Bank Account

Nevis IBC + Bank Account

$3,250

Nevis Trust + Bank Account Nevis Trust + Bank Account

Nevis Trust + Bank Account

$11,000

COOK ISLANDS IBC COOK ISLANDS IBC

COOK ISLANDS IBC

$2,250

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