Attorney Amy Zamikovsky, JD, CFP®, CPWA®: Wealth Management and Financial Planning in the City of Houston
Welcome to the vibrant and diverse City of Houston, where the skyline is as dynamic as the opportunities it offers. As a Senior Financial Advisor and Texas Attorney, I, Amy Zamikovsky, JD, CFP®, CPWA®, am thrilled to introduce my wealth management and financial planning services to this bustling metropolis. Houston, known for its rich cultural tapestry and thriving economy, is the perfect backdrop for building legacies that last for generations.
Our journey began with a commitment to providing personalized financial advisory services that cater to the unique needs of our clients. In a city renowned for its energy sector and medical research, we understand the importance of tailored financial strategies that align with the local market’s demands. Whether you’re navigating the bustling streets of Downtown Houston or enjoying the serene landscapes of nearby towns like Sugar Land and The Woodlands, our services are designed to meet your financial aspirations.
At the heart of our practice is a dedication to acting as a fiduciary, ensuring that your best interests are always our top priority. As a fiduciary, I am legally and ethically obligated to manage your assets with the utmost care and diligence. This commitment is reflected in our membership 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, our affiliation with NAPFA, The National Association of Personal Financial Advisors, underscores our dedication to maintaining the highest standards of financial planning.
Our services extend far beyond the borders of Houston, as we proudly serve clients nationwide who have multiple residences and travel extensively. This expansive expertise allows us to offer comprehensive financial planning and wealth management solutions that are both innovative and effective.
Our Services
Estate Planning
We collaborate with a team of professionals, including attorneys, trustees, administrators, and CPAs, to ensure your estate plan aligns seamlessly with your financial goals and current wishes.
Wealth Management
Our investment recommendations are grounded in conservative financial planning principles, ensuring that your portfolio reflects your values and objectives.
Settlement Planning
We emphasize the superiority of financial planning and traditional wealth management over structured settlements, letting the numbers guide our strategies.
Windfall Planning
Strategic tax planning, retirement planning, and alternative investments are key components of our approach to managing sudden cash flow surges.
Lottery Planning
Transform your newfound wealth into a lasting legacy with our expert guidance, ensuring your family’s future is secure.
Tax Planning
Our tax planning services provide a clear, quantified strategy for managing estate, gift, income, and capital gains taxes, in collaboration with CPAs.
Retirement Planning
With years of experience, we guide you through all stages of life, ensuring your retirement is as fulfilling as your career.
Exit Planning
Our comprehensive financial planning services help you maximize your business’s value and preserve your legacy as you transition to the next chapter.
401(k) Optimization
We optimize your retirement accounts to align with your financial goals, providing advice on your entire financial picture as a fiduciary CFP® professional.
Divorce Financial Planning
Our expert guidance helps you make informed decisions during divorce, creating a roadmap for financial independence.
Personal Divorce Strategist
As your dedicated advocate, I combine my legal and financial expertise to protect your interests throughout the divorce process.
Inheritance Planning
We offer compassionate support and expert guidance to help you manage and administer estates effectively, regardless of jurisdiction.
Our firm specializes in managing portfolios exceeding $1 million, and we are proud to serve clients in Houston and beyond. We invite you to discover how our financial planning and wealth management services can help you build a legacy that endures for generations.
For more information or to schedule an appointment, please contact us at:
Office Address
BY APPOINTMENT ONLY
820 Gessner Road
Houston, Texas 77024
Email: contact@attorneyamycfp.com
Phone: (512) 537-2221
We look forward to the opportunity to serve you and help you achieve your financial goals in the City of Houston and beyond.
Pre-and-Post Divorce Financial Planning in the City of Houston with Attorney Amy Zamikovsky, JD, CFP®, CPWA®
Navigating the complexities of divorce can be challenging, especially in a vibrant and diverse city like Houston. As a bustling metropolis known for its rich cultural tapestry and dynamic economy, Houston offers unique opportunities and challenges for those undergoing significant life changes. Here, in the heart of Texas, Attorney Amy Zamikovsky, JD, CFP®, CPWA®, brings her extensive expertise in financial planning and wealth management to guide you through this pivotal time.
Introducing Amy Zamikovsky, JD, CFP®, CPWA®
Amy Zamikovsky is a Senior Financial Advisor at Transform Wealth, with 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 in financial planning began at Merrill Lynch, where she earned her CERTIFIED FINANCIAL PLANNER® designation, followed by her Certified Private Wealth Advisor® designation from the Yale School of Management. As a licensed Texas Attorney, Amy leverages her legal acumen to create bespoke financial strategies that help clients efficiently build, preserve, and transfer wealth. Her commitment to public education and financial protection is evident in her development and teaching of a State Bar of Texas CLE course focused on ethics, fiduciary duty, and legal settlement planning.
Divorce Financial Planning: Tailored for Houston Residents
In a city as expansive and diverse as Houston, where the economy thrives on industries ranging from energy to healthcare, understanding the financial landscape is crucial during a divorce. Amy Zamikovsky specializes in pre-and-post-divorce financial planning, offering a personalized approach that resonates with the unique needs of Houstonians.
Fact-Finding
We begin by truly understanding you and your financial situation. Our comprehensive and empathetic approach ensures that every aspect of your financial future is considered. We delve into the specifics of your financial picture, providing clarity and confidence during divorce negotiations. This personalized financial plan serves as a robust foundation for the future you envision.
Planning
Embarking on the next chapter of your life in Houston starts with a well-crafted financial strategy. We tailor our plans to meet your immediate needs while paving the way for long-term financial independence. Our meticulous planning process illuminates the possibilities that lie ahead, ensuring you are well-prepared for this new phase of life.
Implementation
The real transformation begins 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, we ensure that every recommendation is made with your best interests in mind, guiding you towards a secure financial future.
Why Choose Tax-Planned Financial Planning?
In Houston, a city known for its entrepreneurial spirit and economic diversity, choosing tax-planned financial planning and wealth management can significantly enhance your financial outcomes compared to structured settlements. The numbers speak for themselves, and our data-driven approach ensures that your financial decisions are grounded in solid mathematics. By focusing on tax efficiency and strategic planning, we help you maximize your wealth and secure your financial future.
Connect with Us
While we are introducing our services to the City of Houston, we represent clients globally, including those in this vibrant city. Our office is conveniently located at:
Office Address
BY APPOINTMENT ONLY
820 Gessner Road
Houston, Texas 77024
Email: contact@attorneyamycfp.com
Phone: (512) 537-2221
Whether you’re navigating the complexities of divorce or planning for a prosperous future, Attorney Amy Zamikovsky, JD, CFP®, CPWA®, is here to provide the expertise and support you need. Let us help you build the financial future you deserve in the dynamic city of Houston.
City of Houston Lottery Winners: Secure Your Dreams with Strategic Wealth Management from Attorney Amy Zamikovsky, JD, CFP®, CPWA®
Congratulations, City of Houston lottery winners! You’ve just unlocked a world of possibilities with your newfound fortune. While the excitement of winning can be overwhelming, it’s crucial to make informed decisions that will secure your financial future for generations to come. As a CERTIFIED FINANCIAL PLANNER® professional, Certified Private Wealth Advisor® professional, and an attorney with over 15 years of experience in guiding high-net-worth individuals, I’m here to help you navigate this thrilling journey with confidence and clarity.
Preserve Your Winnings
Safeguarding your newfound wealth is paramount, especially in a vibrant city like Houston, where opportunities and challenges abound. 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 robust plan tailored to your unique situation.
- Assemble a Team of Experts: I’ll connect you with vetted attorneys, CPAs, and bankers who understand the local landscape and can provide comprehensive support.
- Maintain Privacy and Security: In a bustling metropolis like Houston, privacy is key. I’ll ensure your financial affairs remain confidential.
- Manage Incoming Requests: Whether it’s donations or investment opportunities, I’ll help you evaluate and manage these requests effectively.
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: Whether you’re eyeing a luxurious home in River Oaks or planning a legacy for your family, we’ll outline your short and long-term lifestyle and legacy goals.
- Invest for Growth: I’ll guide you in investing for optimal growth, income, and capital preservation, ensuring your wealth continues to flourish.
- Maximize Tax Efficiency: Through strategic accounts and asset allocation, we’ll enhance your tax efficiency, keeping more of your wealth in your hands.
- Secure Your Retirement: With income-generating investments, you can enjoy a comfortable retirement without financial worries.
- Establish Trusts and Gifts: Plan for future generations with trusts and gifts that reflect your values and aspirations.
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! Whether it’s a dream home in the Heights, a culinary tour of Houston’s renowned food scene, or a college fund for your children, I’ll show you how to prudently earmark funds for these goals. 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 Houston, 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 Houston.
Office Address
BY APPOINTMENT ONLY
820 Gessner Road
Houston, Texas 77024
Email: contact@attorneyamycfp.com
Phone: (512) 537-2221
City of Houston Structured Attorney Fees: Why Deferral Costs Millions, Even After Taxes
You’ve just achieved a significant victory in court, securing a $1 million contingency fee. The structured settlement broker suggests deferring your fee into a “tax-advantaged” annuity. It sounds appealing, but 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 partner with a CERTIFIED FINANCIAL PLANNER® professional to analyze the numbers before making a decision.
The True Cost of Deferral
Imagine you’re in the top federal tax bracket of 37%. On a $1 million fee, that’s a hefty $370,000 tax bill if you take it as a lump sum. Painful, right? 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 it! And the benefits only grow over time. 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 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 tax:
- 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 among 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 craft a far more tax-smart approach than the blunt deferral method.
The Hidden Fees
Here’s another 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 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 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’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.
This is my location.
Remember, we are introducing ourselves to the City of Houston, not implying that we’re located there or moving there, only that we represent clients around the world, including but not limited to Houston.
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 Houston! We’re Here for You!
Welcome to the vibrant city of Houston, a bustling metropolis known for its diverse culture, rich history, and thriving economy. As the fourth-largest city in the United States, Houston is a hub of innovation and opportunity, making it an ideal location for individuals seeking to grow and protect their wealth. At the heart of this dynamic city, Attorney Amy Zamikovsky, JD, CFP®, CPWA®, offers unparalleled expertise in wealth management and financial planning, tailored to meet the unique needs of Houston’s residents.
Why Choose Tax-Planned Financial Planning?
In a city as economically diverse as Houston, the importance of tax-planned financial planning cannot be overstated. Unlike structured settlements, which often offer limited flexibility, tax-planned strategies provide a comprehensive approach to managing your wealth. By focusing on the numbers and letting the math guide our decisions, we ensure that your financial plan is both efficient and effective. Our expertise in this area allows us to craft strategies that maximize your financial benefits, even after taxes, ensuring that your wealth continues to grow and support your lifestyle.
Customized Wealth Strategies for Houston’s High-Net-Worth Individuals
Amy Zamikovsky, JD, CFP®, CPWA®, specializes in financial planning for portfolios exceeding $1 million. Our holistic approach is designed to help you preserve and grow your wealth while enjoying the vibrant lifestyle that Houston offers. From wealth management to optimized tax and estate planning strategies, our personalized solutions align with your priorities, goals, and values. As an experienced attorney and fiduciary, Amy is uniquely positioned to guide you and your family through sensitive yet necessary discussions, empowering you to confidently build your ideal personal legacy.
Expertise in Divorce Financial Planning
Houston’s diverse population includes individuals navigating the complexities of divorce. 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. Our divorce financial planning services provide expert guidance to help you make objective, informed decisions. We work to understand your unique situation and long-term goals, creating a clear roadmap for financial independence and whatever you decide the next chapter has in store.
Comprehensive Financial Services Tailored to Houston
Our services extend far beyond traditional financial planning. We offer a wide range of specialized services designed to meet the unique needs of Houston’s residents:
- 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 based on sound, conservative financial planning, ensuring your portfolio aligns with your goals and values.
- Settlement Planning: We demonstrate how financial planning and traditional wealth management often surpass the benefits of structured products, even after taxes.
- Windfall and Lottery Planning: We provide strategic tax planning and investment advice to help you transform sudden wealth into a lasting legacy.
- Tax Planning: Our tax planning services offer a clear, quantified picture of optimal strategies, working closely with CPAs for proper implementation.
- Retirement and Exit Planning: We guide you through all stages of life, helping you maximize your business’s value and preserve your legacy.
- 401(k) Optimization: Our services ensure your retirement account aligns with your broader financial goals and risk tolerance.
Serving Houston and Beyond
While we are proud to serve clients nationwide, our expertise is particularly beneficial to Houston’s high-net-worth families, business owners, medical professionals, estate executors, high-earning professionals, corporate executives, founders, professional athletes, inheritors, retirees, divorcees, and lottery winners. Our commitment to excellence ensures that your financial plan is as dynamic and diverse as the city of Houston itself.
Contact Us
We invite you to discover how our wealth management and financial planning services can benefit you. Our office is conveniently located at 820 Gessner Road, Houston, Texas 77024. Please note that visits are by appointment only. To schedule a consultation, email us at contact@attorneyamycfp.com or call (512) 537-2221.
Join us in embracing the opportunities that Houston offers, and let us help you secure a prosperous future. With Attorney Amy Zamikovsky, JD, CFP®, CPWA®, you have a trusted partner in navigating the complexities of wealth management and financial planning.
