Attorney Amy Zamikovsky, JD, CFP®, CPWA®: Wealth Management and Financial Planning in North America
Welcome to the world of Attorney Amy Zamikovsky, JD, CFP®, CPWA®, where we specialize in building legacies for generations. As a Senior Financial Advisor and Texas Attorney, I am thrilled to extend my expertise in wealth management and financial planning to the diverse and vibrant communities across North America. With over 15 years of experience, my journey began with a B.S. in Biology from Southeastern Louisiana University and a J.D. from the University of Houston Law Center. My career path has been enriched by my time at Merrill Lynch, where I earned my CERTIFIED FINANCIAL PLANNER® designation, and further honed by achieving the Certified Private Wealth Advisor® designation through the Yale School of Management.
In North America, a region renowned for its cultural richness and economic dynamism, from the bustling streets of New York City to the tech hubs of Silicon Valley, the need for tailored financial advisory services is ever-growing. As a fiduciary, I am legally and ethically committed to acting in your best interests, ensuring that your financial strategies are not only sound but also aligned with your personal goals and values.
Our services are designed to meet the unique needs of North American clients, whether you reside in the historic quarters of Boston, the oil-rich landscapes of Houston, or the scenic vistas of Vancouver. We understand the local market intricacies and are here to provide personalized attention and care, treating each client’s financial journey with the utmost respect and dedication.
Our founding story is deeply rooted in a commitment to education and financial protection. I am passionate about sharing knowledge, which is why I developed and teach a State Bar of Texas CLE course focused on ethics, fiduciary duty, and legal settlement planning. This dedication to education extends to my involvement with esteemed organizations such as the Houston Association of Women Attorneys, the Houston Estate and Financial Forum, and the Houston Bar Association’s Probate, Trusts & Estates & Litigation sections. Additionally, I am a proud member of NAPFA, The National Association of Personal Financial Advisors.
Our financial planning services are comprehensive, covering everything from estate planning to wealth management. We collaborate with a team of professionals, including attorneys, trustees, administrators, and CPAs, to ensure your estate plan reflects your current wishes and integrates seamlessly with your financial plan. Our wealth management strategies are grounded in conservative financial planning, ensuring that your portfolio aligns with your goals and values.
Settlement planning is another area where we excel, offering financial planning and traditional wealth management solutions that often surpass the benefits of structured products, even after taxes. Our windfall planning services provide strategic tax planning, retirement planning, and alternative investment opportunities, ensuring that your financial windfalls are integrated effectively into your existing finances.
For those fortunate enough to experience a lottery win, our lottery planning services are designed to protect your newfound wealth and transform it into a lasting legacy. Our tax planning services cover estate taxes, gift taxes, income taxes, capital gains taxes, and Roth conversions, providing a clear, quantified picture of optimal strategies moving forward.
Retirement planning is a personal pleasure and honor for us, as we guide you through all stages of life, ensuring that your retirement years are as fulfilling as possible. Our exit planning services help you maximize your business’s value, minimize taxes, and preserve your legacy, transforming years of hard work into a secure future.
Our 401(k) optimization services ensure that your employment-sponsored retirement account aligns with your broader financial goals, risk tolerance, and retirement time horizon. As a fiduciary CFP® professional, I provide advice on your entire financial picture, even for assets I don’t manage.
In the realm of divorce financial planning, we offer expert guidance to help you make informed decisions, creating a clear roadmap for financial independence. As your Personal Divorce Strategist, I combine my expertise as both an attorney and Certified Financial Planner® professional to protect your best interests, ensuring you never face a critical decision alone.
Inheritance planning is handled with sensitivity and care, as we assist you in moving forward after a loss. We assemble a team of reputable professionals to manage and administer estates effectively, no matter the jurisdiction.
Our firm specializes in portfolios exceeding $1 million, and while we proudly serve clients nationwide, our expertise extends far beyond North America. We cater to clients with multiple residences and those who travel extensively, ensuring that our services are as dynamic and adaptable as your lifestyle.
For appointments, please visit us at 820 Gessner Road, Houston, Texas 77024, or contact us via email at contact@attorneyamycfp.com or phone at (512) 537-2221. We look forward to building a lasting legacy with you.
Pre-and-Post Divorce Financial Planning in North America with Attorney Amy Zamikovsky, JD, CFP®, CPWA®
Introducing Amy Zamikovsky, JD, CFP®, CPWA® to North America
Navigating the financial complexities of divorce can be daunting, especially in a diverse and expansive region like North America. Here, the landscape is as varied as its people, with each state and province offering unique challenges and opportunities. As a Senior Financial Advisor and a Texas Attorney, I, Amy Zamikovsky, JD, CFP®, CPWA®, bring over 15 years of expertise in wealth management, estate planning, and financial planning to clients across North America. My journey began with a B.S. in Biology from Southeastern Louisiana University, followed by a J.D. from the University of Houston Law Center. My professional path has been enriched by my time at Merrill Lynch, where I earned my CERTIFIED FINANCIAL PLANNER® designation, and further advanced by my Certified Private Wealth Advisor® designation from the Yale School of Management.
Divorce Financial Planning
Divorce is a significant life transition, and I understand the emotional and financial complexities involved. My approach is rooted in empathy and expertise, as I have personally navigated these waters. In North America, where divorce rates vary by region, it’s crucial to have a financial plan that reflects your unique circumstances and local regulations.
Fact-Finding
Our journey together begins with understanding you—your aspirations, concerns, and financial landscape. In North America, where economic conditions and legal frameworks differ widely, a personalized approach is essential. We delve into every aspect of your financial situation, ensuring you have a clear and comprehensive understanding. This clarity is vital during divorce negotiations, providing you with the confidence to make informed decisions. Your customized financial plan will serve as a robust foundation for the future you envision.
Planning
The next chapter of your life unfolds with a strategic plan tailored to your specific goals. Whether you’re in bustling urban centers or serene rural areas of North America, we identify your immediate needs while laying the groundwork for long-term financial independence. Our meticulous planning process illuminates the possibilities that await in this new phase of life, empowering you to embrace your future with optimism.
Implementation
Real transformation occurs when plans are put into action. We collaborate with you and your trusted legal and financial professionals to streamline your financial life. As your fiduciary, I ensure that every recommendation is aligned with your best interests. This collaborative approach is particularly beneficial in North America, where diverse financial landscapes require nuanced strategies.
The Importance of Tax-Planned Financial Planning
In North America, where tax regulations can significantly impact financial outcomes, tax-planned financial planning is paramount. By focusing on numbers and leveraging my legal expertise, I help clients achieve superior financial benefits compared to structured settlements. The math is clear—strategic tax planning can enhance your financial well-being and secure your future.
Connecting with Clients Across North America
While my office is based in Houston, Texas, my services extend to clients throughout North America. I am committed to providing personalized financial strategies that transcend geographical boundaries. Whether you’re in the heart of Texas or the vibrant cities of Canada, my goal is to help you navigate your financial journey with confidence and clarity.
Contact Information
Office Address (By Appointment Only):
820 Gessner Road
Houston, Texas 77024
Email: contact@attorneyamycfp.com
Phone: (512) 537-2221
In conclusion, as you embark on this new chapter, know that you are not alone. With a deep understanding of North America’s diverse financial landscape, I am here to guide you every step of the way. Together, we will build a future that reflects your dreams and aspirations.
North America Lottery Winners: Secure Your Dreams with Strategic Wealth Management from Attorney Amy Zamikovsky, JD, CFP®, CPWA®
Congratulations, North America lottery winners! You’ve just hit the jackpot, and your life is about to transform in ways you’ve only imagined. Amidst the excitement and thrill of sudden wealth, you face crucial decisions that will shape your financial security for generations to come. As a CERTIFIED FINANCIAL PLANNER® professional, Certified Private Wealth Advisor® professional, and attorney with over 15 years of experience guiding high-net-worth individuals, I’m here to help you navigate this exhilarating yet overwhelming time with confidence and clarity.
Preserve Your Winnings
Safeguarding your newfound wealth is of utmost importance. Without proper legal structures and financial strategies, your millions could be at risk from taxes, lawsuits, scams, and mismanagement. As your trusted advisor, I’ll assist you in:
- Creating a trust and estate plan to protect assets and minimize taxes
- Assembling a team of vetted attorneys, CPAs, and bankers
- Maintaining your privacy and security
- Managing incoming donation and investment requests
Plan for a Lifetime of Wealth
Your jackpot doesn’t have to be a one-time cash bonanza. With savvy planning, it can be the seed money for growing lifelong wealth. Drawing on my extensive experience as a CFP® professional and CPWA® professional, I’ll craft a personalized wealth management plan to help you:
- Define your short and long-term lifestyle and legacy goals
- Invest for optimal growth, income, and capital preservation
- Maximize tax efficiency through strategic accounts and asset allocation
- Secure your retirement with income-generating investments
- Establish trusts and gifts for future generations
Give with Confidence
If philanthropy is one of your priorities, it is my personal pleasure to guide you in turning one-time gifts into enduring charitable vehicles. With the right tools, like donor-advised funds and family foundations, you can translate your values into impact and establish a giving legacy that inspires your family for generations.
Enjoy Your Winnings
Now is the time to reward yourself and your loved ones! I’ll show you how to prudently earmark funds for a dream home, travel, a college fund, or that sports car you’ve always had your eye on. With a balanced approach, you can savor the fruits of your blessings while staying on track for long-term financial health.
Why Trust Amy Zamikovsky?
Hitting the jackpot thrusts you into the complex world of sudden wealth, where one wrong move could mean losing millions. You need a financial quarterback who understands the unique challenges of navigating an overnight fortune and has a track record of success with high-net-worth clients.
As a CFP® professional and CPWA® professional with over 15 years of experience, I’ve helped countless individuals and families translate sudden windfalls into lasting wealth. My background as an attorney also allows me to craft ironclad legal strategies to protect your assets from potential threats.
From the moment you claim your prize, I’ll be by your side as your personal CFO, investment expert, and legal advocate. I’ll filter the noise, educate you on your options, and always place your interests first so you can relax and enjoy your spectacular windfall with total peace of mind.
Your Best Day Ever Could Be Today
If you’re holding a golden ticket, don’t wait to plan for this life-changing event. Contact me for a complimentary, confidential consultation to discuss how I can help you maximize your winnings, minimize your stress, and secure the carefree future you deserve. There’s no better time to start planning for tomorrow than today.
We’re here for you every step of the way.
This is my location. Remember that we are just introducing ourselves to North America, not implying that we’re located there nor moving there, only that we represent clients around the world, including but not limited to North America.
Office Address
BY APPOINTMENT ONLY
820 Gessner Road
Houston, Texas 77024
Email: contact@attorneyamycfp.com
Phone: (512) 537-2221
North America Structured Attorney Fees: Why Deferral Costs Millions, Even After Taxes
You’ve just triumphed in a major case, securing a $1 million contingency fee. A structured settlement broker might suggest deferring your fee into a “tax-advantaged” annuity. While this may sound appealing, is it truly the best financial decision? For most attorneys, especially those in the highest tax bracket, the answer is a resounding no. Here’s why savvy trial lawyers collaborate with a CERTIFIED FINANCIAL PLANNER® professional to analyze the numbers before making a decision.
The True Cost of Deferral
Consider this: you’re in the top federal tax bracket of 37%. On a $1 million fee, that equates to a $370,000 tax bill if you take the lump sum. Painful, yes. But let’s compare investing the remaining $630,000 versus deferring the full $1 million over 20 years:
Scenario 1: Invest $630K Lump Sum
- 6% annual return: $2.0 million in 20 years
- 8% annual return: $2.9 million in 20 years
Scenario 2: Defer $1M as $50K/Year for 20 Years
- Total payments: $1 million
- Net result after 20 years: $1 million
The difference is striking. Even after paying $370,000 in taxes, you could end up with $1 to $1.9 million more by taking the lump sum and investing it! And the benefits only increase over time. Over 30 years at an 8% return, the lump sum grows to $6.4 million after tax, compared to just $1.5 million with deferral.
Lost Opportunity and Liquidity
Beyond the sheer wealth gap, a lump sum provides invaluable liquidity and leverage. Need funds for a lucrative investment or unexpected expense? You can access a securities-based loan. Banks typically won’t lend against deferred fees. Want to adjust your investments or estate plan? With deferral, your money is locked up, limiting your flexibility.
More Tax-Efficient Growth
What about the “tax-free growth” that structured settlement companies promote? With strategic planning, you can significantly outperform deferral after taxes:
- Maximize contributions to pre-tax retirement plans for tax-deferred growth
- Use after-tax dollars to contribute to a Roth IRA for tax-free growth
- Allocate assets tax-efficiently across different account types
- Harvest tax losses to offset gains
- Take advantage of the lower long-term capital gains rate
A skilled CERTIFIED FINANCIAL PLANNER® professional, particularly a Certified Private Wealth Advisor® professional, can help you devise a far more tax-efficient strategy than the straightforward deferral method.
The Hidden Fees
One more pitfall of deferral: hidden commissions. Structured settlement brokers often take 4% or more off the top. On a $1 million fee, that’s $40,000 of your money gone—an amount that could grow to $452,593 over 30 years at an 8% return! In contrast, you can invest your lump sum in low-cost index funds, incurring only a fraction of the fees.
Don’t Defer Without Professional Analysis
Before considering a structured settlement proposal, consult with an experienced CERTIFIED FINANCIAL PLANNER® professional to model your unique scenario. Chances are, you’ll find that the compounding effect of investing your after-tax lump sum far outweighs any perceived benefits of deferral—even in the highest tax bracket.
If you’re interested in a personalized professional assessment of an upcoming fee decision, contact us today to discover how we can help you maximize your hard-earned wealth.
This is My Location
Remember, we are introducing ourselves to North America, not implying that we’re located there or planning to move there. We represent clients worldwide, including but not limited to North America.
Office Address
BY APPOINTMENT ONLY
820 Gessner Road
Houston, Texas 77024
Email: contact@attorneyamycfp.com
Phone: (512) 537-2221
Amy Zamikovsky, JD, CFP®, CPWA® is a Senior Financial Advisor at Transform Wealth with over 15 years of combined experience in wealth management, estate planning, and financial planning. She holds a B.S. in Biology from Southeastern Louisiana University and a J.D. from the University of Houston Law Center. While working at Merrill Lynch, Amy earned her CERTIFIED FINANCIAL PLANNER® designation and went on to earn her Certified Private Wealth Advisor® designation through the Yale School of Management. As an experienced Attorney and Counselor at Law in the State of Texas, Amy uses her legal expertise to build customized financial strategies that efficiently build, preserve, and transfer wealth. Amy is passionate about educating and financially protecting the public. She developed and teaches a State Bar of Texas CLE course to attorneys interested in learning more about ethics, fiduciary duty, and legal settlement planning.
Moving Forward with Attorney Amy Zamikovsky, JD, CFP®, CPWA®: Wealth Management and Financial Planning in North America! We’re Here for You!
In the vast and diverse landscape of North America, where cultures blend and economies thrive, navigating the financial terrain requires expertise and foresight. At the heart of this dynamic region, we introduce Amy Zamikovsky, JD, CFP®, CPWA®, a seasoned Senior Financial Advisor at Transform Wealth. With over 15 years of experience in wealth management, estate planning, and financial planning, Amy is dedicated to empowering clients across North America with strategic financial solutions.
The Importance of Tax-Planned Financial Planning
In North America, where tax regulations can vary significantly from one jurisdiction to another, the importance of tax-planned financial planning cannot be overstated. By focusing on numbers and leveraging her legal expertise, Amy Zamikovsky crafts customized wealth strategies that are far superior to the financial benefits of structured settlements. The math is clear: strategic financial planning optimizes wealth preservation and growth, ensuring that every dollar works harder for you.
Customized Wealth Strategies for High-Net-Worth Portfolios
Our specialization lies in financial planning where legal expertise meets customized wealth strategies. We cater to the unique challenges and opportunities of portfolios exceeding $1 million. Our holistic approach helps clients preserve and grow their wealth while enjoying life along the way. From wealth management to optimized tax and estate planning strategies, our personalized solutions align with your priorities, goals, and values.
Guiding Sensitive Financial Discussions
As an experienced attorney and fiduciary, Amy Zamikovsky is uniquely positioned to guide you and your family through sensitive yet necessary financial discussions. Our customized financial strategies empower you to confidently build your ideal personal legacy, ensuring that your wealth is preserved for future generations.
Comprehensive Financial Services Tailored for North America
We are proud to serve clients nationwide, including those with multiple residences and extensive travel schedules. Our expertise extends far beyond any single location, allowing us to offer a wide range of services tailored to the diverse needs of North American clients.
Estate Planning
We collaborate with your entire team of professionals, from attorneys to trustees and administrators to CPAs, ensuring that your estate plan reflects your current wishes and integrates seamlessly with your financial plan.
Wealth Management
Every investment recommendation is grounded in sound, conservative financial planning. We ensure that your portfolio holdings align with your goals and values, earning their place in your financial strategy.
Settlement Planning
Regardless of settlement size, financial planning and traditional wealth management often surpass the benefits of structured products. We let the math speak for itself, demonstrating financial superiority even after taxes.
Windfall and Lottery Planning
Whether you’re experiencing a cash flow surge or a lottery win, we provide strategic tax planning, retirement planning, and alternative investment opportunities. Our expertise helps transform your wealth into a lasting legacy.
Tax and Retirement Planning
Our tax planning services offer a clear, quantified picture of optimal strategies, from estate taxes to Roth conversions. We work closely with CPAs to ensure proper implementation. Whether you’re preparing for retirement or already enjoying it, we guide you through all stages of life.
Exit and 401(k) Optimization Planning
Our comprehensive financial planning services help you maximize your business’s value, minimize taxes, and preserve your legacy. Our 401(k) optimization services ensure your retirement account aligns with your broader financial goals.
Divorce Financial Planning and Personal Divorce Strategist Services
Our divorce financial planning services provide expert guidance for informed decision-making. As your Personal Divorce Strategist, Amy combines her expertise as both an attorney and Certified Financial Planner® professional to protect your best interests every step of the way.
Inheritance Planning
In times of loss, we’re here to help you move forward. We assist in assembling a team of reputable professionals to effectively administer and manage an estate, regardless of jurisdiction.
Attracting High-Net-Worth Clients Across North America
Our firm specializes in serving high-net-worth families, business owners, medical professionals, estate executors, high-earning professionals, corporate executives, founders, professional athletes, inheritors, retirees, divorcees, and lottery winners. We proudly represent clients around the world, including those in North America.
Contact Us
Office Address (By Appointment Only):
820 Gessner Road
Houston, Texas 77024
Email: contact@attorneyamycfp.com
Phone: (512) 537-2221
With Amy Zamikovsky, JD, CFP®, CPWA®, at the helm, you can trust that your financial future is in capable hands. We look forward to guiding you through the complexities of wealth management and financial planning in North America.
