Attorney Amy Zamikovsky, JD, CFP®, CPWA®: Wealth Management and Financial Planning in the United States
Welcome to the world of Attorney Amy Zamikovsky, JD, CFP®, CPWA®, where we are dedicated to building legacies for generations. As a Senior Financial Advisor and a licensed Texas attorney, I am thrilled to extend my expertise in wealth management and financial planning to clients across the United States. With over 15 years of experience, I have honed my skills in crafting personalized financial strategies that cater to the unique needs of each client, ensuring their financial goals are met with precision and care.
Our journey began in the vibrant city of Houston, Texas, a hub of cultural diversity and economic opportunity. Houston’s dynamic environment has shaped our approach to financial advisory services, allowing us to understand and address the diverse needs of our clients. From the bustling streets of New York City to the serene landscapes of the Midwest, we proudly serve clients nationwide, offering tailored solutions that transcend geographic boundaries.
As a CERTIFIED FINANCIAL PLANNER® professional and Certified Private Wealth Advisor® professional, I am committed to acting as a fiduciary, ensuring that your best interests are always at the forefront of every decision. This commitment is underscored by my active involvement in esteemed organizations such as the Houston Association of Women Attorneys, the Houston Estate and Financial Forum, and the National Association of Personal Financial Advisors (NAPFA). These affiliations reflect our dedication to maintaining the highest standards of professionalism and ethical conduct.
Our services are designed to meet the evolving needs of our clients, whether they are navigating the complexities of estate planning, wealth management, or settlement planning. We collaborate with a network of professionals, including attorneys, trustees, and CPAs, to ensure that your estate plan aligns seamlessly with your financial objectives. Our wealth management strategies are rooted in conservative financial planning, ensuring that your portfolio reflects your values and aspirations.
In the realm of settlement planning, we emphasize the superiority of financial planning and traditional wealth management over structured settlements. Our approach is grounded in numbers and data, providing a clear path to financial success, even after taxes. For those experiencing windfalls, such as lottery winnings, we offer comprehensive planning to transform newfound wealth into a lasting legacy.
Tax planning is another cornerstone of our services, where we work closely with CPAs to optimize strategies for estate, gift, income, and capital gains taxes. Our retirement planning services cater to individuals at every stage of life, offering guidance and support as you prepare for a secure and fulfilling future.
For business owners, our exit planning services are designed to maximize the value of your enterprise while minimizing tax liabilities. We also offer 401(k) optimization to ensure your retirement accounts align with your broader financial goals.
Divorce financial planning is a specialized area where we provide objective, informed guidance to help you navigate the complexities of divorce with confidence. As your Personal Divorce Strategist, I combine my legal and financial expertise to protect your interests and support you through every decision.
In times of loss, our inheritance planning services offer compassionate support to help you manage and administer estates effectively. We understand the emotional challenges involved and are here to guide you every step of the way.
Our firm specializes in managing portfolios exceeding $1 million, offering bespoke solutions that cater to high-net-worth individuals. While our office is based in Houston, Texas, we are proud to serve clients across the United States, providing personalized attention and care to each individual we work with.
For appointments and inquiries, please contact us at our Houston office:
Office Address
BY APPOINTMENT ONLY
820 Gessner Road
Houston, Texas 77024
Email: contact@attorneyamycfp.com
Phone: (512) 537-2221
Thank you for considering us as your trusted partner in financial planning and wealth management. We look forward to building a lasting legacy together.
Pre-and-Post Divorce Financial Planning in the United States with Attorney Amy Zamikovsky, JD, CFP®, CPWA®
Navigating the financial intricacies of divorce can be daunting, but with Attorney Amy Zamikovsky, JD, CFP®, CPWA®, you have a seasoned expert by your side. With over 15 years of experience in wealth management, estate planning, and financial planning, Amy brings a wealth of knowledge and a compassionate approach to help you through this challenging time. As a Senior Financial Advisor at Transform Wealth and a licensed attorney in Texas, Amy is uniquely positioned to offer insights that blend legal acumen with financial strategy, ensuring your financial future is secure.
Divorce Financial Planning
At the heart of our services is a deep understanding of the emotional and financial complexities of divorce. We recognize that each client’s situation is unique, and we are committed to providing personalized solutions that address your specific needs. Our approach is rooted in empathy and expertise, drawing from our own experiences and extensive knowledge to guide you through the process.
Fact-Finding
Our journey together begins with a comprehensive fact-finding mission. We delve into the details of your financial landscape, taking the time to understand your personal and financial goals. This thorough assessment allows us to craft a financial plan that reflects your true self and sets the stage for a secure future. By focusing on the nuances of your financial situation, we aim to provide clarity and confidence as you navigate the financial negotiations of your divorce.
Planning
The transition to a new chapter in life is both exciting and challenging. Our planning process is designed to empower you with a customized financial strategy that aligns with your current and future aspirations. We work closely with you to identify immediate needs while laying the groundwork for long-term financial independence. Our meticulous approach ensures that you are well-prepared to embrace the possibilities that lie ahead.
Implementation
The real transformation begins when plans are put into action. We collaborate with you and your trusted legal and financial advisors to streamline your financial life and implement our strategies. As your fiduciary, we are committed to ensuring that every recommendation is made with your best interests in mind. Our goal is to simplify the complexities of financial planning, allowing you to focus on building the future you deserve.
Introducing Amy Zamikovsky, JD, CFP®, CPWA® to the United States
Amy Zamikovsky is a distinguished professional with a rich educational background, holding a B.S. in Biology from Southeastern Louisiana University and a J.D. from the University of Houston Law Center. Her career has been marked by a commitment to excellence, earning her the CERTIFIED FINANCIAL PLANNER® and Certified Private Wealth Advisor® designations. Amy’s expertise extends beyond financial planning; she is also an educator, having developed and taught a State Bar of Texas CLE course on ethics, fiduciary duty, and legal settlement planning.
While Amy is based in Texas, her services are available to clients across the United States. She is dedicated to educating and financially protecting individuals, leveraging her legal and financial expertise to create strategies that build, preserve, and transfer wealth effectively.
Why Choose Tax-Planned Financial Planning?
In the realm of divorce financial planning, the importance of tax-planned financial strategies cannot be overstated. Unlike structured settlements, which may offer limited flexibility, tax-planned financial planning provides a comprehensive approach that maximizes financial benefits. By focusing on the numbers and employing meticulous planning, we ensure that your financial future is optimized for growth and stability. The math is clear: a well-crafted financial plan offers superior benefits, empowering you to make informed decisions with confidence.
Our Commitment to You
At Attorney Amy Zamikovsky, JD, CFP®, CPWA®, we are committed to providing exceptional service and support to our clients. We understand the complexities of divorce and are here to guide you every step of the way. Our office, located at 820 Gessner Road, Houston, Texas, operates by appointment only, ensuring that each client receives the personalized attention they deserve. For inquiries, please contact us at contact@attorneyamycfp.com or call (512) 537-2221.
As we introduce our services to the United States, we emphasize our global reach and commitment to serving clients worldwide. While we are not implying a physical presence in every location, our expertise and dedication to client success transcend geographical boundaries. Let us help you navigate the financial aspects of divorce with confidence and clarity.
United States Lottery Winners: Secure Your Dreams with Strategic Wealth Management from Attorney Amy Zamikovsky, JD, CFP®, CPWA®.
Congratulations, United States lottery winners! You’ve just hit the jackpot, and your life is about to transform in ways you may have only imagined. Amidst the excitement and shock of sudden wealth, you face critical decisions that will impact 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 thrilling yet overwhelming time with confidence and clarity.
Preserve Your Winnings
Safeguarding your newfound wealth is paramount. Without proper legal structures and financial strategies, your millions could be vulnerable to taxes, lawsuits, scams, and mismanagement. As your trusted advisor, I’ll help you:
- Create a trust and estate plan to protect assets and minimize taxes
- Assemble a team of vetted attorneys, CPAs, and bankers
- Maintain your privacy and security
- Manage 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 on 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 the United States, not implying that we’re located there nor moving there, only that we represent clients around the world, including but not limited to the United States.
Office Address
BY APPOINTMENT ONLY
820 Gessner Road
Houston, Texas 77024
Email: contact@attorneyamycfp.com
Phone: (512) 537-2221
United States Structured Attorney Fees: Why Deferral Costs Millions, Even After Taxes
You’ve just triumphed in a significant legal case, securing a $1 million contingency fee. The allure of deferring this fee into a “tax-advantaged” annuity, as suggested by a structured settlement broker, might seem appealing. However, is this truly the optimal financial decision? For most attorneys, particularly those in the highest tax bracket, the answer is a resounding no. Here’s why astute trial lawyers collaborate with a CERTIFIED FINANCIAL PLANNER® professional to meticulously 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 opt for a lump sum. It might sting initially, but let’s delve into the numbers by comparing investing the remaining $630,000 versus deferring the full $1 million over 20 years:
Scenario 1: Invest $630,000 Lump Sum
- With a 6% annual return: $2.0 million in 20 years
- With an 8% annual return: $2.9 million in 20 years
Scenario 2: Defer $1 Million as $50,000/Year for 20 Years
- Total payments: $1 million
- Net result after 20 years: $1 million
The disparity is remarkable. 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! The benefits only amplify over time. Over 30 years at an 8% return, the lump sum could grow to $6.4 million after tax, compared to just $1.5 million with deferral.
Lost Opportunity and Liquidity
Beyond the substantial wealth gap, a lump sum provides invaluable liquidity and financial leverage. Need funds for a promising investment or an 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? Unfortunately, your money is tied up.
More Tax-Efficient Growth
What about the “tax-free growth” that structured settlement companies often promote? With strategic planning, you can significantly outperform deferral after taxes:
- Maximize contributions to pre-tax retirement plans for tax-deferred growth
- Contribute after-tax dollars 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, especially a Certified Private Wealth Advisor® professional, can help you devise a far more tax-efficient strategy than the blunt deferral method.
The Hidden Fees
Another pitfall of deferral is 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 for a fraction of the fees.
Don’t Defer Without Professional Analysis
Before considering a structured settlement proposal, engage an experienced CERTIFIED FINANCIAL PLANNER® professional to model your unique scenario. Chances are, you’ll discover 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 see how we can help you maximize your hard-earned wealth.
This is my location.
Remember, we are introducing ourselves to the United States, not implying that we’re located there or planning to move there. We represent clients worldwide, including but not limited to the United States.
Office Address
BY APPOINTMENT ONLY
820 Gessner Road
Houston, Texas 77024
Email: contact@attorneyamycfp.com
Phone: (512) 537-2221
Moving Forward with Attorney Amy Zamikovsky, JD, CFP®, CPWA®: Wealth Management and Financial Planning in the United States! We’re Here for You!
In the vast and diverse landscape of the United States, where financial regulations and economic opportunities vary significantly from state to state, making informed financial decisions is crucial. As a nation known for its entrepreneurial spirit and dynamic economy, the U.S. offers a unique environment for wealth management and financial planning. Here at Transform Wealth, we understand the importance of navigating this complex financial terrain with precision and expertise.
The Power of Tax-Planned Financial Planning
Choosing tax-planned financial planning and wealth management is a strategic decision that can significantly enhance your financial well-being. Unlike structured settlements, which often come with limitations, our approach focuses on the numbers—because they never lie. By leveraging tax efficiencies and personalized strategies, we help you maximize your wealth and achieve your financial goals. Our expertise lies in crafting customized wealth strategies where legal expertise meets financial acumen, ensuring that your financial plan is not only robust but also aligned with your values and aspirations.
Expertise Tailored for High-Net-Worth Portfolios
Our specialization in financial planning is particularly beneficial for portfolios exceeding $1 million. We take a holistic approach to wealth management, helping our 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 are designed to align with your priorities, goals, and values. As an experienced attorney and fiduciary, Amy Zamikovsky, JD, CFP®, CPWA®, is uniquely positioned to guide you and your family through sensitive yet necessary discussions, empowering you to confidently build your ideal personal legacy.
Introducing Amy Zamikovsky, JD, CFP®, CPWA® to the United States
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. With a B.S. in Biology from Southeastern Louisiana University and a J.D. from the University of Houston Law Center, Amy’s journey in the financial world is marked by a commitment to excellence and education. Her credentials as a CERTIFIED FINANCIAL PLANNER® professional and Certified Private Wealth Advisor® professional, earned through the Yale School of Management, underscore her dedication to providing top-tier financial advice.
Nationwide Expertise with a Personal Touch
We proudly serve clients nationwide, including those with multiple residences and extensive travel schedules. Our expertise extends far beyond any single location, allowing us to offer comprehensive financial planning services that cater to diverse needs. Whether you’re a high-net-worth family, business owner, medical professional, or corporate executive, our services are tailored to meet your unique financial challenges and opportunities.
Comprehensive Financial Services
- Estate Planning: We collaborate with your team of professionals to ensure your estate plan reflects your current wishes and integrates seamlessly with your financial plan.
- Wealth Management: Our investment recommendations are grounded in conservative financial planning, ensuring your portfolio aligns with your goals and values.
- Settlement Planning: Financial planning and traditional wealth management often provide superior financial benefits compared to structured products, even after taxes.
- Windfall Planning: Strategic tax planning and integration with existing finances are key to managing cash flow surges effectively.
- Lottery Planning: Transform your newfound wealth into a lasting legacy with our expert guidance.
- Tax Planning: We provide a clear, quantified picture of optimal strategies for estate, gift, income, and capital gains taxes.
- Retirement Planning: Our experience spans all life stages, helping you navigate retirement with confidence.
- Exit Planning: Maximize your business’s value and preserve your legacy with our comprehensive financial planning services.
- 401(k) Optimization: Ensure your retirement account aligns with your broader financial goals and risk tolerance.
- Divorce Financial Planning: Make informed decisions with our expert guidance, tailored to your unique situation and long-term goals.
- Personal Divorce Strategist: As your dedicated advocate, we protect your best interests through asset valuation, income planning, and wealth preservation strategies.
- Inheritance Planning: We assist in assembling a team of professionals to manage and administer estates effectively.
Our Commitment to You
At Transform Wealth, we are committed to protecting and maintaining your wealth, ensuring it grows and sustains across generations. Our expertise in managing portfolios over $1 million is designed to attract high-net-worth families, business owners, medical professionals, estate executors, high-earning professionals, corporate executives, founders, professional athletes, inheritors, retirees, divorcees, and lottery winners.
Contact Us
Office Address (By Appointment Only):
820 Gessner Road
Houston, Texas 77024
Email: contact@attorneyamycfp.com
Phone: (512) 537-2221
We invite you to explore the possibilities of financial planning with Amy Zamikovsky, JD, CFP®, CPWA®. Let us help you build a secure and prosperous future in the United States and beyond.
