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

Greetings to the vibrant community of the City of Shoreacres! Nestled along the picturesque shores of Galveston Bay, Shoreacres is a serene enclave known for its rich maritime history and close-knit community spirit. As we introduce ourselves to this charming locale, we bring with us a deep commitment to building legacies for generations.

I am Amy Zamikovsky, JD, CFP®, CPWA®, a Senior Financial Advisor 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. 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 the City of Shoreacres, where the community values trust and personal relationships, I am honored to offer my expertise as a fiduciary. This means I am legally and ethically bound to act in your best interests, managing your financial resources with the utmost care and integrity. Our services extend nationwide, accommodating clients with multiple residences and those who travel extensively, ensuring that our expertise is as expansive as your ambitions.

Understanding Local Needs

Shoreacres, with its proximity to Houston and neighboring communities like La Porte and Seabrook, is uniquely positioned at the crossroads of tranquility and opportunity. We recognize the distinct financial needs of this area, from estate planning to wealth management, and are here to address them with tailored solutions.

Our financial advisory services are designed to meet the diverse needs of Shoreacres residents. Whether you’re navigating the complexities of estate planning or seeking strategic tax planning, we provide a comprehensive approach that integrates seamlessly with your lifestyle and goals.

Our Services

Estate Planning: Collaborating with your team of professionals, we ensure your estate plan aligns with your current wishes and financial objectives. Our goal is to preserve your legacy for future generations.

Wealth Management: Our investment recommendations are grounded in conservative financial planning, ensuring your portfolio reflects your values and aspirations.

Settlement Planning: We demonstrate that financial planning and traditional wealth management often surpass the benefits of structured settlements, even after taxes.

Windfall Planning: Strategic tax planning and retirement planning are crucial when managing cash flow surges. We help integrate these opportunities into your existing financial framework.

Lottery Planning: Transform newfound wealth into a lasting legacy with our expert guidance, ensuring your assets are protected for generations to come.

Tax Planning: From estate taxes to Roth conversions, our tax planning strategies provide clarity and direction, working closely with CPAs for optimal implementation.

Retirement Planning: Whether you’re preparing for retirement or already enjoying it, we offer personalized support through every stage of life.

Exit Planning: Our comprehensive financial planning services help you maximize your business’s value and preserve your legacy as you transition to new ventures.

401(k) Optimization: We optimize your retirement accounts to align with your broader financial goals, ensuring you avoid common pitfalls.

Divorce Financial Planning: We provide objective guidance to help you navigate the financial aspects of divorce, ensuring informed decisions for your future.

Personal Divorce Strategist: As your advocate, I combine my legal and financial expertise to protect your interests throughout the divorce process.

Inheritance Planning: We offer compassionate support during difficult times, helping you manage and administer estates effectively.

Professional Affiliations

I am proud to be associated with esteemed organizations such as the Houston Association of Women Attorneys, Houston Estate and Financial Forum, and the Houston Bar Association’s Probate, Trusts & Estates & Litigation sections. Additionally, I am a member of NAPFA, The National Association of Personal Financial Advisors, reflecting my commitment to excellence and ethical standards.

Building Trust and Legacies

At the heart of our practice is a deep appreciation for the trust our clients place in us. We are dedicated to providing personal attention and care, ensuring that every financial decision is made with your best interests in mind. Our focus on tax-planned financial planning and wealth management underscores the importance of numbers and facts in achieving superior financial outcomes.

While we are not physically located in Shoreacres, our reach extends globally, serving clients with diverse needs and backgrounds. We invite you to join us on this journey of building legacies that stand the test of time.

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 serving the City of Shoreacres and helping you achieve your financial goals with integrity and expertise.

Pre-and-Post Divorce Financial Planning in the City of Shoreacres 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 Shoreacres, a serene enclave nestled along the Texas Gulf Coast, we understand the unique challenges faced by our community. Known for its close-knit atmosphere and picturesque landscapes, Shoreacres offers a tranquil backdrop for those seeking clarity and confidence in their financial futures. Attorney Amy Zamikovsky, JD, CFP®, CPWA®, brings her extensive expertise to the table, offering tailored financial strategies that resonate with the needs of Shoreacres residents.

Introducing Amy Zamikovsky, JD, CFP®, CPWA®

With over 15 years of experience in wealth management, estate planning, and financial planning, Amy Zamikovsky is a seasoned professional dedicated to empowering individuals through informed financial decisions. Holding a B.S. in Biology from Southeastern Louisiana University and a J.D. from the University of Houston Law Center, Amy’s academic and professional journey is a testament to her commitment to excellence. Her credentials as a CERTIFIED FINANCIAL PLANNER® and Certified Private Wealth Advisor® professional, coupled with her legal expertise as a licensed Texas attorney, make her uniquely qualified to guide clients through the intricacies of divorce financial planning.

Divorce Financial Planning: A Comprehensive Approach

Divorce is not just a legal process; it’s a financial one as well. In Shoreacres, where community values and personal connections run deep, the financial implications of divorce can have far-reaching effects. Amy Zamikovsky understands this intimately, offering a compassionate and thorough approach to divorce financial planning. Here’s how we can help:

Fact-Finding

Our process begins with understanding you—the real you. We delve into every aspect of your financial situation, ensuring that no detail is overlooked. This comprehensive approach provides clarity and confidence during the financial negotiations of your divorce. In Shoreacres, where the community thrives on transparency and trust, our fact-finding mission is designed to empower you with a clear understanding of your financial picture.

Planning

The next chapter of your life starts here. We craft customized financial strategies tailored to your unique goals, both current and future. Whether you’re looking to maintain your lifestyle in Shoreacres or explore new opportunities, our meticulous planning process illuminates the possibilities in your new phase of life. We work together to identify your short-term needs while building long-term financial independence, ensuring that your financial plan aligns with your aspirations.

Implementation

Turning plans into action is where real transformation begins. We collaborate with you and your trusted legal and financial professionals to streamline your financial life and put our strategies into motion. As your fiduciary, we ensure that every personalized recommendation is truly in your best interest. In a community like Shoreacres, where integrity and accountability are paramount, our commitment to your financial well-being is unwavering.

The Importance of Tax-Planned Financial Planning

In the realm of divorce financial planning, numbers never lie. The benefits of tax-planned financial planning and wealth management far outweigh those of structured settlements. By focusing on the math, we provide a clear path to financial stability and growth. In Shoreacres, where financial prudence is valued, our approach ensures that you make informed decisions that secure your financial future.

Connecting with Shoreacres

While we are introducing our services to the City of Shoreacres, it’s important to note that we represent clients around the world, including this vibrant community. Our office, located at 820 Gessner Road in Houston, Texas, operates by appointment only, allowing us to provide personalized attention to each client. We invite you to reach out via email at contact@attorneyamycfp.com or by phone at (512) 537-2221 to explore how we can assist you in achieving your financial goals.

In the heart of Shoreacres, where the community spirit is as strong as the coastal breeze, we are here to support you through every step of your financial journey. With Attorney Amy Zamikovsky, JD, CFP®, CPWA®, you have a trusted partner dedicated to your financial success.

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

Congratulations, City of Shoreacres lottery winners! You’ve just hit the jackpot, and your life is about to transform in ways you’ve only imagined. Amidst the excitement and 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: Work with vetted attorneys, CPAs, and bankers to ensure comprehensive protection.
  • Maintain Privacy and Security: Safeguard your personal information and assets from unwanted attention.
  • Manage Incoming Requests: Handle donation and investment requests with a strategic approach.

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: Optimize growth, income, and capital preservation through strategic investments.
  • Maximize Tax Efficiency: Utilize strategic accounts and asset allocation to reduce tax liabilities.
  • Secure Your Retirement: Invest in income-generating assets to ensure a comfortable future.
  • Establish Trusts and Gifts: Plan for future generations with thoughtful financial strategies.

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 Shoreacres, 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 Shoreacres.

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

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

City of Shoreacres 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. A structured settlement broker might suggest deferring your fee into a “tax-advantaged” annuity. While this might sound appealing, is it truly the most beneficial financial decision? For most attorneys, even those in the highest tax bracket, the answer is a resounding no. Here’s why savvy trial lawyers in the City of Shoreacres and beyond collaborate with a CERTIFIED FINANCIAL PLANNER® professional to analyze the numbers before making a decision.

The True Cost of Deferral

Consider this: you’re in the top federal tax bracket of 37%. On a $1 million fee, that translates to a $370,000 tax bill if you take it as a lump sum. That’s a hefty amount, but let’s compare the outcomes of 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 could end up with $1-1.9 million more by opting for the lump sum and investing it! And the benefits only increase over time. Over 30 years at an 8% return, the lump sum grows to $6.4 million after tax, compared to just $1.5 million with deferral.

Lost Opportunity and Liquidity

Beyond the sheer wealth gap, a lump sum provides invaluable liquidity and leverage. Need funds for a lucrative investment or an unexpected expense? You can access a securities-based loan. Banks won’t lend against deferred fees. Want to adjust your investments or estate plan? Unfortunately, with deferral, your money is locked 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 tax:

  • Maximize contributions to 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 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-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 lost—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 find that the compounding effect of investing your after-tax lump sum far outweighs any perceived benefits of deferral—even in the highest tax bracket.

If you’re in the City of Shoreacres and would 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.

Connect with Us

While we are introducing ourselves to the City of Shoreacres, please note that we represent clients globally, including but not limited to this area.

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

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

With over 15 years of expertise, Amy Zamikovsky, JD, CFP®, CPWA®, is a Senior Financial Advisor at Transform Wealth. She combines her extensive experience in wealth management, estate planning, and financial planning to build customized financial strategies that efficiently build, preserve, and transfer wealth. Amy is dedicated to educating and financially protecting the public, offering her expertise to attorneys interested in ethics, fiduciary duty, and legal settlement planning.

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

Welcome to the City of Shoreacres, a charming community nestled along the Texas Gulf Coast, where the serene waters of Galveston Bay meet the vibrant culture of the Lone Star State. Known for its close-knit community and picturesque landscapes, Shoreacres offers a unique blend of small-town charm and coastal beauty. Here, residents enjoy a tranquil lifestyle with easy access to the bustling city of Houston, making it an ideal location for those seeking both peace and opportunity.

In this idyllic setting, we introduce Amy Zamikovsky, JD, CFP®, CPWA®, a Senior Financial Advisor at Transform Wealth. With over 15 years of experience in wealth management, estate planning, and financial planning, Amy is dedicated to serving the unique financial needs of Shoreacres residents and beyond. Her expertise in tax-planned financial planning and wealth management provides a strategic advantage over traditional structured settlements, ensuring that your financial future is built on a foundation of solid numbers and sound strategies.

Why Choose Tax-Planned Financial Planning?

In the world of financial planning, numbers never lie. The math behind tax-planned financial strategies often reveals significant advantages over structured settlements. By focusing on tax efficiency, Amy Zamikovsky helps clients in Shoreacres maximize their wealth, preserve their assets, and plan for a prosperous future. Whether you’re a high-net-worth family, a business owner, or a retiree, Amy’s customized wealth strategies are designed to align with your priorities, goals, and values.

Our Specialization: Financial Planning Where Legal Expertise Meets Customized Wealth Strategies

Amy Zamikovsky’s unique combination of legal expertise and financial acumen allows her to guide clients through the complexities of wealth management with confidence. As a Certified Financial Planner® professional and Certified Private Wealth Advisor® professional, Amy is well-equipped to handle portfolios exceeding $1 million, offering a holistic approach that encompasses wealth management, tax optimization, and estate planning.

Comprehensive Services Tailored for Shoreacres

Our services extend far beyond the borders of Shoreacres, reaching clients nationwide who have multiple residences and travel extensively. However, we are particularly attuned to the needs of Shoreacres residents, offering specialized services such as:

  • Estate Planning: Collaborating with your team of professionals to ensure your estate plan aligns with your financial goals.
  • Wealth Management: Providing investment recommendations that reflect your values and have earned their place in your portfolio.
  • Settlement Planning: Demonstrating the financial superiority of traditional wealth management over structured products, even after taxes.
  • Windfall and Lottery Planning: Transforming sudden financial gains into lasting legacies through strategic planning.
  • Tax Planning: Offering clear, quantified strategies for estate, gift, income, and capital gains taxes.
  • Retirement and Exit Planning: Helping you transition from work to retirement with confidence and financial security.
  • 401(k) Optimization: Ensuring your retirement accounts align with your broader financial goals.
  • Divorce Financial Planning and Personal Divorce Strategist Services: Providing expert guidance and advocacy during challenging times.
  • Inheritance Planning: Assisting with the administration and management of estates, ensuring a smooth transition for beneficiaries.

Expertise in High-Net-Worth Portfolios

Our firm specializes in managing portfolios over $1 million, catering to a diverse clientele that includes high-net-worth families, business owners, medical professionals, corporate executives, and more. We understand the unique challenges and opportunities faced by these individuals and are committed to delivering personalized solutions that enhance their financial well-being.

Connect with Us

While our office is located in Houston, Texas, we proudly serve clients in Shoreacres and beyond. We invite you to reach out to us for a consultation, where we can discuss how our expertise can help you achieve your financial goals.

Office Address (By Appointment Only):
820 Gessner Road
Houston, Texas 77024

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

At Transform Wealth, led by Amy Zamikovsky, JD, CFP®, CPWA®, we are dedicated to empowering you to build and sustain generational wealth. Let us be your trusted partner in navigating the financial landscape, ensuring that your legacy endures for generations to come.