In Photoshop, when you save your files as PDF, Acrobat can't read PS Layers because layers in acrobat are different. But you can save every layer to separate PDF from File>Export>Layers to files and choose PDF. ___ In Illustrator, You can make your design in layers (layer for text and another one for images), saving your file as PDF with preserving Create Acrobat Layers option: and when you go to acrobat you can manage your PDF Layers as it is in Illustrator:
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