Attorney Amy Zamikovsky, JD, CFP®, CPWA®: Wealth Management and Financial Planning in the City of Hilshire Village

Welcome to the City of Hilshire Village, a charming enclave nestled within the greater Houston area, where tradition meets modernity in a harmonious blend. Here, in this close-knit community, we introduce you to Amy Zamikovsky, JD, CFP®, CPWA®, a seasoned financial advisor dedicated to building legacies for generations. With over 15 years of experience in wealth management, estate planning, and financial planning, Amy brings a wealth of knowledge and a personal touch to each client she serves.

Our story began with a commitment to providing unparalleled financial advisory services tailored to the unique needs of each client. We understand the local market’s nuances and the importance of preserving the values that define the City of Hilshire Village. Our proximity to vibrant communities like Spring Valley Village and Hedwig Village allows us to draw on a rich tapestry of cultural and economic insights, ensuring that our strategies are as diverse as the clients we serve.

Amy Zamikovsky, a proud member of esteemed organizations such as the Houston Association of Women Attorneys and the Houston Estate and Financial Forum, is deeply embedded in the local professional landscape. Her credentials as a CERTIFIED FINANCIAL PLANNER® professional and Certified Private Wealth Advisor® professional underscore her commitment to excellence and fiduciary responsibility. As a fiduciary, Amy is legally and ethically obligated to act in your best interests, ensuring that your financial well-being is always her top priority.

Our services extend far beyond the City of Hilshire Village, catering to clients nationwide who lead dynamic lives with multiple residences and extensive travel. We specialize in providing comprehensive financial planning services, with a particular emphasis on divorce financial planning and personal divorce strategist services. Our approach is grounded in empathy and expertise, offering you the guidance needed to navigate life’s transitions with confidence.

Estate Planning: We collaborate with a network of professionals, including attorneys, trustees, and CPAs, to craft estate plans that align with your financial goals and personal values. Our holistic approach ensures that your legacy is preserved for future generations.

Wealth Management: Our investment recommendations are rooted in conservative financial planning principles, ensuring that your portfolio reflects your aspirations and risk tolerance. We prioritize investments that have earned their place in your financial strategy.

Settlement Planning: We advocate for financial planning and traditional wealth management as superior alternatives to structured settlements. By focusing on the numbers, we provide clarity and confidence in your financial decisions.

Windfall Planning: Sudden financial gains present opportunities for strategic planning. We offer expert guidance on tax planning, retirement strategies, and alternative investments to secure your financial future.

Lottery Planning: Winning the lottery is just the beginning. We help you transform newfound wealth into a lasting legacy, protecting your assets and ensuring your family’s financial security.

Tax Planning: Our tax planning services cover estate, gift, income, and capital gains taxes, providing a clear roadmap for optimal financial strategies. We work closely with CPAs to implement these strategies effectively.

Retirement Planning: Whether you’re planning for retirement or already enjoying it, we offer personalized guidance to help you achieve your retirement goals. Our commitment to your financial well-being extends through all stages of life.

Exit Planning: Transitioning from business ownership to retirement requires careful planning. Our team helps you maximize your business’s value, minimize taxes, and preserve your legacy for future generations.

401(k) Optimization: We optimize your retirement accounts to align with your broader financial goals, ensuring that you make the most of your employment-sponsored benefits.

Divorce Financial Planning: Navigating divorce requires objective, informed decision-making. We provide the expertise needed to evaluate settlement options and plan for financial independence.

Personal Divorce Strategist: As your advocate, Amy combines her legal and financial expertise to protect your interests during divorce proceedings. We support you in making decisions based on facts, not emotions.

Inheritance Planning: In times of loss, we offer compassionate guidance to help you manage and administer estates effectively. Our services are available regardless of jurisdiction, ensuring that your loved one’s legacy is honored.

At our firm, we specialize in managing portfolios exceeding $1 million, offering bespoke financial solutions that reflect your unique circumstances. While we introduce ourselves to the City of Hilshire Village, our reach extends globally, serving clients with diverse needs and aspirations.

For personalized financial planning and wealth management services, contact us by appointment at our Houston office. We look forward to the opportunity to serve you and help you build a legacy that lasts for generations.

Office Address:
BY APPOINTMENT ONLY
820 Gessner Road
Houston, Texas 77024

Email: contact@attorneyamycfp.com
Phone: (512) 537-2221

Pre-and-Post Divorce Financial Planning in the City of Hilshire Village with Attorney Amy Zamikovsky, JD, CFP®, CPWA®

Navigating the complexities of divorce can be daunting, especially when it comes to financial planning. Here in the City of Hilshire Village, a serene enclave nestled within the bustling metropolis of Houston, Texas, we understand the unique challenges our community faces. With its charming tree-lined streets and close-knit community, Hilshire Village offers a peaceful retreat from the city’s hustle and bustle, making it an ideal place to focus on your financial future during such a transformative time.

Introducing Amy Zamikovsky, JD, CFP®, CPWA®

Allow me to introduce myself—I’m Amy Zamikovsky, a Senior Financial Advisor and a Texas Attorney with over 15 years of experience in wealth management, estate planning, and financial planning. 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 career path has been enriched by my time at Merrill Lynch, where I earned my CERTIFIED FINANCIAL PLANNER® designation, and further advanced through the Yale School of Management, where I obtained my Certified Private Wealth Advisor® designation.

As an experienced Attorney and Counselor at Law in Texas, I leverage my legal expertise to craft personalized financial strategies that help build, preserve, and transfer wealth efficiently. My passion lies in educating and financially protecting the public, which is why I developed and teach a State Bar of Texas CLE course focusing on ethics, fiduciary duty, and legal settlement planning.

Divorce Financial Planning

Divorce is not just a legal separation; it’s a financial transformation. Here in Hilshire Village, we recognize the importance of meticulous financial planning during this pivotal time. Our approach is rooted in empathy and expertise, ensuring that you are not just another client but a valued individual with unique needs and aspirations.

Fact-Finding

Our journey together begins with understanding you—the real you. We delve deep into your financial landscape, examining every detail that could impact your future. This comprehensive fact-finding mission is designed to provide clarity and confidence as you navigate the financial negotiations of your divorce. Your customized financial plan will serve as a robust foundation for the future you deserve, ensuring that every decision is informed and intentional.

Planning

The next chapter of your life begins here. We work collaboratively to craft financial strategies that align with your immediate needs and long-term goals. Our meticulous planning process illuminates the possibilities that lie ahead, empowering you to embrace your new phase of life with confidence and independence.

Implementation

Turning plans into action is where true transformation occurs. We partner with you and your trusted legal and financial professionals to streamline your financial life and implement our strategies. As your fiduciary, we are committed to ensuring that every recommendation is in your best interest, paving the way for a secure and prosperous future.

Our Commitment to Hilshire Village

While we are introducing ourselves to the City of Hilshire Village, it’s important to note that we represent clients globally, including those in this charming community. Our office, located at 820 Gessner Road in Houston, Texas, operates by appointment only, allowing us to provide personalized attention to each client.

For those in Hilshire Village seeking expert financial guidance during a divorce, we offer a compassionate and comprehensive approach that prioritizes your unique needs and goals. We believe in the power of numbers and the clarity they bring, ensuring that your financial future is built on a solid foundation of informed decisions.

Contact us today at contact@attorneyamycfp.com or (512) 537-2221 to schedule a consultation and take the first step towards a financially secure future.

City of Hilshire Village Lottery Winners: Secure Your Dreams with Strategic Wealth Management from Attorney Amy Zamikovsky, JD, CFP®, CPWA®

Congratulations, City of Hilshire Village lottery winners! You’ve just hit the jackpot, and your life is poised to transform in ways you’ve only imagined. Amidst the excitement and shock of sudden wealth, you now face critical decisions that will impact your financial security for generations. 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: Protect your assets and minimize taxes with a well-structured plan.
  • Assemble a Team of Experts: Collaborate with vetted attorneys, CPAs, and bankers to ensure comprehensive management.
  • Maintain Privacy and Security: Implement measures to keep your financial affairs confidential.
  • Manage Incoming Requests: Strategically handle donation and investment requests to avoid pitfalls.

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 Goals: Establish short and long-term lifestyle and legacy objectives.
  • Invest Wisely: Focus on optimal growth, income, and capital preservation.
  • Maximize Tax Efficiency: Utilize strategic accounts and asset allocation to minimize tax burdens.
  • Secure Your Retirement: Invest in income-generating assets to ensure a comfortable future.
  • Establish Trusts and Gifts: Plan for future generations with thoughtful estate planning.

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 the City of Hilshire Village, not implying that we’re located there nor moving there, only that we represent clients around the world, including but not limited to the City of Hilshire Village.

Office Address
BY APPOINTMENT ONLY
820 Gessner Road
Houston, Texas 77024

Email: contact@attorneyamycfp.com
Phone: (512) 537-2221

City of Hilshire Village Structured Attorney Fees: Why Deferral Costs Millions, Even After Taxes

Nestled within the vibrant tapestry of Greater Houston, the City of Hilshire Village is a charming enclave known for its tight-knit community and lush, tree-lined streets. Though small in size, this city is rich in character and history, offering a serene escape from the bustling metropolis while still being conveniently close to the heart of Houston. As a professional serving clients worldwide, including those in Hilshire Village, I understand the unique financial landscape of this area and am committed to helping you make informed decisions about your wealth.

You’ve just won a significant case and secured 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, even 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 evaluate 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 translates to a $370,000 tax bill if taken as a lump sum. It’s a hefty amount, 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 staggering. Even after paying $370,000 in taxes, you end up with $1-1.9 million more by taking the lump sum and investing! And it only gets better long-term. Over 30 years at 8%, the lump sum grows to $6.4 million after tax versus $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 won’t lend against deferred fees. Want to pivot your investments or estate plan? Unfortunately, your money is locked up.

More Tax-Efficient Growth

What about the “tax-free growth” structured settlement companies promote? With strategic planning, you can significantly outperform deferral after tax:

  • Max out pre-tax retirement plans to grow funds tax-deferred
  • Contribute after-tax dollars to a Roth IRA for tax-free growth
  • Allocate assets tax-efficiently among account types
  • Harvest tax losses to offset gains
  • Capitalize on the lower long-term capital gains rate

A skilled CERTIFIED FINANCIAL PLANNER® professional, especially a Certified Private Wealth Advisor® professional, can help you engineer a far more tax-smart approach than the blunt deferral method.

The Hidden Fees

Here’s one last deferral pitfall: hidden commissions. Structured settlement brokers often take 4%+ off the top. On a $1 million fee, that’s $40,000 of your money lost—an amount that could grow to $452,593 over 30 years at 8%! 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 find 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’d like a personalized professional assessment of an upcoming fee decision, contact us today to see how we can help you maximize your hard-earned wealth.

Our Commitment to Hilshire Village

While we are not located in Hilshire Village, we are proud to represent clients from this charming community and beyond. Our office is conveniently located in Houston, just a short drive away, allowing us to provide personalized service to our valued clients in the area.

Office Address
BY APPOINTMENT ONLY
820 Gessner Road
Houston, Texas 77024

Email: contact@attorneyamycfp.com
Phone: (512) 537-2221

As a Senior Financial Advisor and Texas Attorney, I am dedicated to helping you navigate the complexities of financial planning with expertise and care. Whether you’re in Hilshire Village or anywhere else in the world, my goal is to ensure your financial success and peace of mind.

Moving Forward with Attorney Amy Zamikovsky, JD, CFP®, CPWA®: Wealth Management and Financial Planning in Hilshire Village! We’re Here for You!

Welcome to Hilshire Village, a charming enclave nestled within the bustling metropolis of Houston, Texas. Known for its serene residential streets and close-knit community, Hilshire Village offers a unique blend of suburban tranquility and urban convenience. As part of this vibrant locale, we at Transform Wealth are excited to introduce you to the exceptional financial planning and wealth management services provided by Amy Zamikovsky, JD, CFP®, CPWA®.

Why Choose Tax-Planned Financial Planning?

In the heart of Hilshire Village, we understand the importance of making informed financial decisions. Our focus is on the undeniable benefits of tax-planned financial planning and wealth management, which often surpass the financial advantages of structured settlements. Numbers don’t lie, and our data-driven approach ensures that your financial strategies are grounded in solid mathematics. By prioritizing tax efficiency, we help you maximize your wealth’s potential, allowing you to focus on what truly matters.

Expertise Tailored for Hilshire Village

Amy Zamikovsky, a Senior Financial Advisor at Transform Wealth, brings over 15 years of experience in wealth management, estate planning, and financial planning. Her educational background includes a B.S. in Biology from Southeastern Louisiana University and a J.D. from the University of Houston Law Center. Amy’s journey through the financial world has been marked by significant achievements, including earning her CERTIFIED FINANCIAL PLANNER® and Certified Private Wealth Advisor® designations.

Our services are particularly suited for high-net-worth individuals and families in Hilshire Village, with portfolios exceeding $1 million. We offer a holistic approach that not only preserves and grows your wealth but also aligns with your personal goals and values. From wealth management to optimized tax and estate planning strategies, our personalized solutions are designed to empower you to build your ideal legacy.

Comprehensive Financial Services

Estate Planning

In Hilshire Village, where community ties are strong, ensuring that your estate plan reflects your wishes is crucial. We collaborate with your team of professionals, including attorneys, trustees, and CPAs, to ensure seamless integration with your financial plan.

Wealth Management

Our investment recommendations are rooted in conservative financial planning principles. We ensure that your portfolio aligns with your goals and values, earning its place through rigorous analysis.

Settlement Planning

For those navigating settlements, our financial planning and traditional wealth management services offer superior financial outcomes compared to structured products. We let the math speak for itself, even after taxes.

Windfall and Lottery Planning

Whether you’re experiencing a windfall or a lottery win, we provide strategic tax planning and investment advice to integrate these funds into your financial plan, ensuring lasting prosperity.

Tax and Retirement Planning

Our tax planning services cover estate, gift, income, and capital gains taxes, providing a clear picture of optimal strategies. We also offer retirement planning tailored to your stage in life, ensuring you’re prepared for the future.

Exit and 401(k) Optimization

Transform your hard work into lasting wealth with our exit planning services. We also optimize your 401(k) to align with your broader financial goals, ensuring no opportunity is missed.

Divorce Financial Planning and Personal Divorce Strategist

Navigating divorce can be challenging, but with Amy as your Personal Divorce Strategist, you have a dedicated advocate. Combining her legal and financial expertise, Amy helps you make informed decisions, protecting your interests every step of the way.

Inheritance Planning

During difficult times, we’re here to help you manage and administer estates effectively, ensuring your loved one’s wishes are honored.

Serving Hilshire Village and Beyond

While we proudly serve clients nationwide, our expertise extends to the unique needs of Hilshire Village residents. Whether you’re a high-net-worth family, business owner, medical professional, or retiree, our services are tailored to meet your specific needs.

For those in Hilshire Village and beyond, we invite you to explore the benefits of partnering with Amy Zamikovsky, JD, CFP®, CPWA®. Our office, located at 820 Gessner Road, Houston, Texas 77024, is available by appointment. Contact us at (512) 537-2221 or email contact@attorneyamycfp.com to begin your journey toward financial empowerment.

In Hilshire Village, where community and prosperity go hand in hand, we’re here to help you achieve your financial goals with confidence and clarity.