Attorney Amy Zamikovsky, JD, CFP®, CPWA®: Wealth Management and Financial Planning in Piney Point Village

Welcome to Piney Point Village, a serene enclave nestled within the heart of Houston, Texas. Known for its lush landscapes and affluent community, Piney Point Village offers a unique blend of tranquility and proximity to the bustling city life of Houston. As a Senior Financial Advisor and Texas Attorney, I am thrilled to introduce myself, Amy Zamikovsky, JD, CFP®, CPWA®, to this distinguished community.

With over 15 years of experience in wealth management, estate planning, and financial planning, I am dedicated to serving the residents of Piney Point Village and beyond. 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. During my tenure at Merrill Lynch, I earned my CERTIFIED FINANCIAL PLANNER® designation and later achieved the Certified Private Wealth Advisor® designation through the Yale School of Management.

In Piney Point Village, where the values of legacy and community are deeply cherished, my mission is to build legacies for generations. I understand the local market’s needs and the importance of preserving wealth while ensuring it aligns with your personal goals and values. Our services extend to nearby communities such as Hunters Creek Village and Bunker Hill Village, offering a comprehensive approach to financial planning that respects the unique cultural and economic landscape of this area.

As a fiduciary, I am legally and ethically committed to acting in your best interests. This commitment is reflected in our financial advisory services, where personal attention and care are paramount. We are proud to be associated 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. These affiliations underscore our dedication to maintaining the highest standards of professionalism and expertise.

Our services are designed to meet the diverse needs of our clients, from estate planning to wealth management. We collaborate with a team of professionals, including attorneys, trustees, and CPAs, to ensure your estate plan is both current and effective. Our wealth management strategies are rooted in conservative financial planning, ensuring your portfolio reflects your aspirations and has earned its place.

In the realm of settlement planning, we emphasize the superiority of financial planning and traditional wealth management over structured products. The numbers speak for themselves, even after taxes, highlighting the financial benefits of our approach.

For those experiencing windfalls, such as lottery winnings, we offer strategic tax planning, retirement planning, and alternative investment opportunities. Our goal is to transform your wealth into a lasting legacy, safeguarding your family’s future.

Tax planning is another cornerstone of our services, providing clarity on estate, gift, income, and capital gains taxes. We work closely with CPAs to implement optimal strategies, ensuring your financial plan is tax-efficient.

Retirement planning is a personal passion, and we are honored to guide you through life’s stages, offering support and expertise as you prepare for and enjoy retirement. Our exit 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, while our divorce financial planning services provide objective guidance during challenging times. As your Personal Divorce Strategist, I combine my legal and financial expertise to protect your interests, offering support from asset valuation to wealth preservation strategies.

Inheritance planning is handled with sensitivity and professionalism, assisting you in managing and administering estates effectively. Our firm specializes in portfolios exceeding $1 million, providing tailored solutions for high-net-worth individuals.

While our office is located in Houston, we proudly serve clients nationwide, including those with multiple residences and extensive travel schedules. Our expertise extends far beyond Piney Point Village, ensuring you receive the highest level of service wherever you are.

Thank you for considering us as your trusted financial advisors. We are committed to building legacies for generations, offering personalized attention and care to each client. Please feel free to reach out to us by appointment at our Houston office or contact us via email or phone. We look forward to the opportunity to serve you and your family.

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 Piney Point Village with Attorney Amy Zamikovsky, JD, CFP®, CPWA®

Nestled within the lush greenery and serene landscapes of the City of Piney Point Village, we understand the unique financial planning needs of our clients. This exclusive enclave, known for its affluence and tranquility, provides a distinct backdrop for those navigating the complexities of divorce. Here, in this prestigious community, Attorney Amy Zamikovsky, JD, CFP®, CPWA®, offers her expertise in pre-and-post divorce financial planning, ensuring that residents can transition smoothly into their new chapters with confidence and clarity.

Introducing Amy Zamikovsky, JD, CFP®, CPWA® to the City of Piney Point Village

With over 15 years of experience in wealth management, estate planning, and financial planning, Amy Zamikovsky brings a wealth of knowledge and a personalized approach to each client. Her background as a Senior Financial Advisor at Transform Wealth, combined with her legal expertise as a Texas Attorney, allows her to craft comprehensive financial strategies that are both effective and tailored to individual needs. Amy’s commitment to education and financial protection is evident in her development of a State Bar of Texas CLE course, which focuses on ethics, fiduciary duty, and legal settlement planning.

Divorce Financial Planning

Divorce can be a challenging and emotional journey, especially in a community like Piney Point Village, where financial considerations are often complex. We empathize with your situation, having walked similar paths ourselves, and we take this responsibility seriously. Our approach is built on understanding, expertise, and a commitment to excellence.

Fact-Finding

In the heart of Piney Point Village, we take the time to truly understand you and your financial landscape. Our compassionate and thorough approach ensures that every detail impacting your financial future is considered. We aim to provide clarity and confidence during the financial negotiations of your divorce, crafting a customized financial plan that lays a strong foundation for the future you deserve.

Planning

Your new chapter begins here. We develop tailored financial strategies that align with your unique goals, both immediate and long-term. By identifying your short-term needs and working towards long-term financial independence, we illuminate the possibilities that lie ahead in your new phase of life.

Implementation

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, ensuring that every personalized recommendation is in your best interest. As your fiduciary, we are committed to your financial well-being.

Our Commitment to the City of Piney Point Village

While we are introducing ourselves to the City of Piney Point Village, we want to emphasize that we represent clients globally, including those in this distinguished community. Our office, located at 820 Gessner Road in Houston, Texas, operates by appointment only, ensuring personalized attention and service.

For inquiries or to schedule a consultation, please contact us at:

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

In the City of Piney Point Village, where the blend of luxury and privacy creates a unique environment, Attorney Amy Zamikovsky, JD, CFP®, CPWA®, stands ready to guide you through the intricacies of divorce financial planning with expertise and empathy.

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

Congratulations, City of Piney Point Village lottery winners! You’ve just hit the jackpot, and your life is about to transform in ways you’ve only imagined. As you revel in this newfound fortune, it’s crucial to make informed decisions that will safeguard your financial future for generations to come. I’m Amy Zamikovsky, a CERTIFIED FINANCIAL PLANNER® professional, Certified Private Wealth Advisor® professional, and a Texas attorney with over 15 years of experience in guiding high-net-worth individuals. I’m here to help you navigate this exhilarating yet overwhelming time with confidence and clarity.

Preserve Your Winnings

Protecting your newfound wealth is of utmost importance. Without the right legal structures and financial strategies, your millions could be at risk from taxes, lawsuits, scams, and mismanagement. As your trusted advisor, I will assist you in:

  • Creating a trust and estate plan to safeguard 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 windfall. With strategic planning, it can become the foundation for lifelong wealth. Leveraging my extensive experience as a CFP® professional and CPWA® professional, I will design 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 a priority for you, I am delighted to guide you in transforming one-time gifts into lasting charitable vehicles. With the right tools, such as donor-advised funds and family foundations, you can translate your values into impactful actions and establish a giving legacy that will inspire 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 allocate funds for a dream home, travel, a college fund, or that sports car you’ve always desired. With a balanced approach, you can enjoy the fruits of your blessings while staying on track for long-term financial health.

Why Trust Amy Zamikovsky?

Winning the lottery thrusts you into the complex world of sudden wealth, where one misstep could result in losing millions. You need a financial quarterback who understands the unique challenges of managing an overnight fortune and has a proven track record 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 turn sudden windfalls into lasting wealth. My background as an attorney also enables me to craft robust 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 prioritize your interests 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 Piney Point 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 Piney Point Village.

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

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

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

Nestled within the verdant landscapes of Greater Houston, the City of Piney Point Village is a community known for its serene environment and affluent residents. This exclusive enclave, characterized by its tree-lined streets and expansive estates, offers a unique backdrop for those seeking financial wisdom and strategic wealth management. Here, in the heart of Texas, we explore the financial intricacies that can significantly impact your wealth, particularly when it comes to structured attorney fees.

You’ve just secured a $1 million contingency fee from a major case victory. The structured settlement broker suggests deferring your fee into a “tax-advantaged” annuity. While this may initially sound appealing, is it truly the most advantageous 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 meticulously 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, this translates to a $370,000 tax obligation if taken as a lump sum. While this may seem daunting, let’s compare the potential outcomes of investing the remaining $630,000 versus deferring the entire $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 substantial. Even after paying $370,000 in taxes, you could end up with $1-1.9 million more by opting for the lump sum and investing it. Over a 30-year period 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 significant wealth disparity, a lump sum provides invaluable liquidity and financial leverage. Should you need funds for a lucrative investment or an unexpected expense, you can access a securities-based loan. Unfortunately, banks are unlikely to lend against deferred fees. Additionally, if you wish to adjust your investments or estate plan, your money remains inaccessible.

More Tax-Efficient Growth

What about the “tax-free growth” that structured settlement companies often promote? With strategic planning, you can achieve far superior after-tax growth:

  • Maximize contributions to pre-tax retirement plans for tax-deferred growth
  • Invest after-tax dollars in a Roth IRA for tax-free growth
  • Allocate assets tax-efficiently across different account types
  • Harvest tax losses to offset gains
  • Benefit from the lower long-term capital gains rate

A skilled CERTIFIED FINANCIAL PLANNER® professional, particularly a Certified Private Wealth Advisor® professional, can help you craft a more tax-efficient strategy than the simplistic deferral approach.

The Hidden Fees

Another pitfall of deferral is hidden commissions. Structured settlement brokers often take a 4%+ commission. 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! Conversely, you can invest your lump sum in low-cost index funds, minimizing 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. You’ll likely find that the compounding effect of investing your after-tax lump sum far surpasses 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

While we represent clients globally, including those in the City of Piney Point Village, we are introducing ourselves to this community, not implying a physical presence or relocation there.

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 at Merrill Lynch, Amy earned her CERTIFIED FINANCIAL PLANNER® designation and later achieved her Certified Private Wealth Advisor® designation through the Yale School of Management. As an experienced Attorney and Counselor at Law in Texas, Amy leverages her legal expertise to craft customized financial strategies that effectively build, preserve, and transfer wealth. Passionate about educating and financially protecting the public, she developed and teaches a State Bar of Texas CLE course for attorneys interested in ethics, fiduciary duty, and legal settlement planning.

With over 15 years of expertise as a CFP® professional and CPWA® professional, and as a licensed Texas attorney, Amy Zamikovsky is dedicated to helping you make informed financial decisions.

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

Welcome to Piney Point Village, a serene enclave nestled within the bustling metropolis of Houston, Texas. Known for its lush landscapes and affluent community, Piney Point Village offers a unique blend of tranquility and proximity to the vibrant cultural and economic opportunities of Houston. As a resident or someone with ties to this prestigious area, you understand the importance of strategic financial planning and wealth management to preserve and grow your assets.

Introducing Amy Zamikovsky, JD, CFP®, CPWA®

Amy Zamikovsky, JD, CFP®, CPWA®, is a Senior Financial Advisor at Transform Wealth, bringing over 15 years of expertise 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 combines her legal acumen with financial expertise to offer customized strategies that efficiently build, preserve, and transfer wealth. Her dedication to educating and financially protecting the public is evident in her development and teaching of a State Bar of Texas CLE course on ethics, fiduciary duty, and legal settlement planning.

Our Specialty Services in Piney Point Village

In Piney Point Village, where the stakes are high and the opportunities vast, Amy Zamikovsky’s services are tailored to meet the unique needs of high-net-worth individuals and families. Our focus on tax-planned financial planning and wealth management is designed to offer superior financial benefits compared to structured settlements. The numbers never lie, and our data-driven approach ensures that your financial strategies are optimized for success.

Estate Planning

We collaborate with your team of professionals, including attorneys, trustees, administrators, and CPAs, to ensure your estate plan aligns with your financial goals and current wishes. Our holistic approach integrates legal expertise with financial planning to safeguard your legacy.

Wealth Management

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

Settlement Planning

Whether you’re a client or a plaintiff’s attorney, our financial planning and traditional wealth management services often surpass the benefits of structured products, even after taxes. We let the math speak for itself, providing clear, actionable insights.

Windfall and Lottery Planning

Experiencing a financial windfall or winning the lottery presents unique opportunities for strategic planning. We offer expert guidance to integrate these events into your comprehensive financial plan, ensuring lasting prosperity and a permanent legacy.

Tax and Retirement Planning

Our tax planning services cover estate, gift, income, and capital gains taxes, providing a clear picture of optimal strategies. Whether you’re preparing for retirement or already enjoying it, we offer personalized advice to navigate life’s stages with confidence.

Exit and 401(k) Optimization Planning

Transform years of hard work into a lasting legacy with our exit planning services. We help 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

Divorce can be a challenging transition, but with Amy as your Personal Divorce Strategist, you have a dedicated advocate combining legal and financial expertise. We provide objective guidance to protect your interests and help you make informed decisions.

Inheritance Planning

In times of loss, we’re here to support you. Our inheritance planning services help you assemble a team of professionals to manage and administer estates effectively, ensuring your loved one’s wishes are honored.

Our Firm’s Expertise

Specializing in portfolios exceeding $1 million, we cater to 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 services extend nationwide, accommodating clients with multiple residences and extensive travel schedules.

Connect with Us

While we proudly serve clients worldwide, including those in Piney Point Village, our office is located by appointment only at 820 Gessner Road, Houston, Texas 77024. Reach out to us via email at contact@attorneyamycfp.com or call (512) 537-2221 to schedule a consultation.

Discover how Amy Zamikovsky, JD, CFP®, CPWA®, can help you navigate the complexities of wealth management and financial planning, ensuring your financial future is as secure and prosperous as the community of Piney Point Village itself.