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

Welcome to the City of Tomball, a vibrant community nestled in the heart of Texas, where southern charm meets modern living. As a Senior Financial Advisor and Texas Attorney, I am thrilled to introduce myself, Amy Zamikovsky, JD, CFP®, CPWA®, to this dynamic locale. With over 15 years of experience in wealth management, estate planning, and financial planning, I am committed to serving the unique financial needs of Tomball’s residents.

Building Legacies for Generations

Our journey began with a simple yet profound mission: to build legacies for generations. This mission resonates deeply with the values of Tomball, a city known for its rich history and close-knit community. Located just a short drive from Houston, Tomball offers a blend of small-town warmth and big-city amenities, making it an ideal place for families and businesses alike.

Understanding Local Market Needs

In Tomball, we recognize the importance of personalized financial advisory services. Whether you’re navigating the complexities of estate planning or seeking to optimize your investment portfolio, our approach is tailored to meet your specific goals. We understand that each client is unique, and we take pride in offering customized solutions that reflect your individual aspirations.

Our Services

Estate Planning

We collaborate with a team of professionals, including attorneys, trustees, administrators, and CPAs, to ensure your estate plan aligns with your financial objectives. Our goal is to create a seamless integration that honors your wishes and secures your legacy.

Wealth Management

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

Settlement Planning

Financial planning and traditional wealth management often provide superior financial benefits compared to structured settlements. We let the numbers guide us, ensuring that even after taxes, your financial future is secure.

Windfall Planning

Sudden financial gains present opportunities for strategic planning. We offer comprehensive services that include tax planning, retirement planning, and alternative investments, all designed to integrate seamlessly with your existing finances.

Lottery Planning

Winning the lottery is a life-changing event. We provide the expertise to protect your newfound wealth and transform it into a lasting legacy, ensuring that you and your family are secure for generations to come.

Tax Planning

Our tax planning services cover estate, gift, income, and capital gains taxes, as well as Roth conversions. We work closely with CPAs to implement optimal strategies that provide a clear, quantified path forward.

Retirement Planning

Whether you’re preparing for retirement or already enjoying it, we offer personalized guidance through every stage of life. Our experience ensures that your retirement plan is robust and adaptable to your evolving needs.

Exit Planning

Transform your years of hard work into a lasting legacy with our comprehensive financial planning services. We help maximize your business’s value, minimize taxes, and preserve your legacy for future generations.

401(k) Optimization

Our 401(k) optimization services help you maximize your retirement account’s potential, aligning it with your broader financial goals and risk tolerance. As a fiduciary CFP® professional, I provide holistic advice on your entire financial picture.

Divorce Financial Planning

Navigating divorce requires expert guidance. Our services help you make informed decisions, evaluate settlement options, and create a roadmap for financial independence.

Personal Divorce Strategist

As your Personal Divorce Strategist, I combine my expertise as an attorney and Certified Financial Planner® professional to advocate for your best interests. From asset valuation to wealth preservation, we ensure you’re never alone in making critical decisions.

Inheritance Planning

In times of loss, we’re here to help you move forward. We assemble a team of reputable professionals to manage and administer estates effectively, providing support no matter the jurisdiction.

Our Professional Affiliations

We are proud members of several esteemed organizations, including the Houston Association of Women Attorneys, Houston Estate and Financial Forum, and the Houston Bar Association’s Probate, Trusts & Estates & Litigation sections. Additionally, we are affiliated with NAPFA, The National Association of Personal Financial Advisors.

Nationwide Expertise

While we are delighted to serve the City of Tomball, our expertise extends nationwide. We cater to clients with multiple residences and those who travel extensively, ensuring that our services are accessible wherever you are.

Fiduciary Commitment

As a fiduciary, I am legally and ethically obligated to act in your best interests. This commitment is the cornerstone of our practice, ensuring that every decision we make is aligned with your financial well-being.

Contact Us

We invite you to explore how our financial planning and wealth management services can benefit you. Our office is located at 820 Gessner Road, Houston, Texas 77024, and we are available by appointment only. Please feel free to reach out via email at contact@attorneyamycfp.com or call us at (512) 537-2221.

Thank you for considering us as your trusted financial partner. We look forward to building a lasting legacy together in the City of Tomball and beyond.

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

Nestled in the heart of Texas, the City of Tomball is a vibrant community known for its rich history and welcoming spirit. As part of the greater Houston metropolitan area, Tomball boasts a unique blend of small-town charm and big-city amenities. This makes it an ideal place for individuals seeking comprehensive financial planning services, especially during significant life transitions such as divorce.

Introducing Amy Zamikovsky, JD, CFP®, CPWA® to the City of Tomball

Amy Zamikovsky, JD, CFP®, CPWA®, is a Senior Financial Advisor at Transform Wealth with over 15 years of experience in wealth management, estate planning, and financial planning. With a B.S. in Biology from Southeastern Louisiana University and a J.D. from the University of Houston Law Center, Amy has a strong foundation in both the sciences and the law. Her career 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 expertise to craft personalized financial strategies that help clients build, preserve, and transfer wealth effectively.

Amy is passionate about educating and financially protecting the public. She has developed and teaches a State Bar of Texas CLE course for attorneys interested in ethics, fiduciary duty, and legal settlement planning. Her dedication to client education and protection makes her an invaluable resource for those navigating the complexities of divorce.

Divorce Financial Planning

Divorce can be a challenging and emotional process, but with the right financial planning, it can also be an opportunity for a fresh start. At our firm, we understand the unique financial concerns that come with divorce. Our approach is rooted in empathy and expertise, drawing from our own experiences to provide the support and guidance you need.

Fact-Finding

We begin by taking the time to understand you and your financial situation. Our thorough and compassionate approach ensures that we consider every detail that could impact your financial future. By working closely with you, we aim to provide clarity and confidence during the financial negotiations of your divorce. Your customized financial plan will serve as a strong foundation for building the future you deserve.

Planning

The next chapter of your life starts here. We develop customized financial strategies tailored to your unique goals, both current and future. By identifying your short-term needs and working towards long-term financial independence, we illuminate the possibilities in your new phase of life. Our meticulous planning process is designed to empower you with the knowledge and tools needed to achieve your financial goals.

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 implement our strategies. As your fiduciary, we ensure that every personalized recommendation is in your best interest, helping you navigate the complexities of divorce with confidence.

Our Commitment to the City of Tomball

While we are introducing our services to the City of Tomball, we want to emphasize that we represent clients around the world, including those in Tomball. Our office, located at 820 Gessner Road in Houston, Texas, operates by appointment only, allowing us to provide personalized attention to each client. We are committed to offering the highest level of service and expertise to help you achieve your financial goals.

For more information or to schedule an appointment, please contact us at (512) 537-2221 or email us at contact@attorneyamycfp.com. We look forward to helping you navigate the financial aspects of divorce with confidence and clarity.

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

Congratulations, City of Tomball lottery winners! You’ve just unlocked a world of possibilities with your newfound fortune. As you stand on the brink of this life-altering journey, the decisions you make now will shape your financial future for generations to come. I’m Amy Zamikovsky, a CERTIFIED FINANCIAL PLANNER® professional and Certified Private Wealth Advisor® professional, with over 15 years of experience in guiding high-net-worth individuals through the complexities of sudden wealth. I’m here to help you navigate this exhilarating yet overwhelming time with confidence and clarity.

Preserve Your Winnings

In the heart of Tomball, a city known for its rich history and vibrant community spirit, safeguarding your newfound wealth is crucial. 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 protect your 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 fleeting windfall; with strategic planning, it can become the foundation for lifelong prosperity. Drawing on my extensive experience as a CFP® professional and CPWA® professional, I’ll craft a personalized wealth management plan to help you:

  • Define your short and long-term lifestyle and legacy goals
  • Invest for optimal growth, income, and capital preservation
  • Maximize tax efficiency through strategic accounts and asset allocation
  • Secure your retirement with income-generating investments
  • Establish trusts and gifts for future generations

Give with Confidence

If philanthropy is close to your heart, I am delighted to guide you in transforming one-time gifts into enduring 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 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 nestled in the charming neighborhoods of Tomball, a world tour, a college fund, or that sports car you’ve always desired, I’ll show you how to prudently earmark funds for these dreams. 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?

Winning the lottery 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 proven 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 Tomball, 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 Tomball.

Office Address

BY APPOINTMENT ONLY
820 Gessner Road
Houston, Texas 77024

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

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

Nestled in the heart of Texas, the City of Tomball is a vibrant community known for its rich history and welcoming atmosphere. As we introduce ourselves to this dynamic locale, we aim to provide valuable insights into financial planning strategies that can significantly impact your wealth management decisions. While we represent clients worldwide, including those in Tomball, our focus is on delivering personalized financial guidance tailored to your unique circumstances.

When you win a major case and secure a $1 million contingency fee, the allure of deferring your fee into a “tax-advantaged” annuity might seem tempting. However, even for attorneys in the highest tax bracket, this may not be the most financially savvy move. Let’s explore why working with a Certified Financial Planner® (CFP®) professional to analyze the numbers can be more beneficial.

The True Cost of Deferral

Imagine 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 the lump sum. While this may seem daunting, consider the potential growth of investing the remaining $630,000 compared to 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 remarkable. Even after paying $370,000 in taxes, you could end up with $1-1.9 million more by taking the lump sum and investing it. 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 substantial wealth gap, a lump sum provides invaluable liquidity and leverage. Whether you need funds for a lucrative investment or an unexpected expense, a securities-based loan can be a viable option. Unfortunately, banks won’t lend against deferred fees. Additionally, if you wish to adjust your investments or estate plan, having your money locked up in a deferral can be a significant hindrance.

More Tax-Efficient Growth

Structured settlement companies often highlight “tax-free growth,” but with strategic planning, you can outperform deferral after tax:

  • Maximize 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
  • Capitalize on the lower long-term capital gains rate

A skilled CFP® professional, particularly a Certified Private Wealth Advisor® (CPWA®) professional, can help you devise a more tax-smart approach than the blunt deferral method.

The Hidden Fees

Another pitfall of deferral is hidden commissions. Structured settlement brokers often take 4% or more off the top. On a $1 million fee, that’s $40,000 of your money lost—an amount that could grow to $452,593 over 30 years at an 8% return! In contrast, investing your lump sum in low-cost index funds incurs only a fraction of these fees.

Don’t Defer Without Professional Analysis

Before considering a structured settlement proposal, consult an experienced CFP® professional to model your unique scenario. More often than not, 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 seeking a personalized professional assessment of an upcoming fee decision, contact us today to explore how we can help you maximize your hard-earned wealth.

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

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

We are here to serve clients in Tomball and beyond, offering expert financial advice to help you achieve your financial goals.

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

Welcome to the City of Tomball, a vibrant community known for its rich history and welcoming atmosphere. Nestled in the heart of Texas, Tomball offers a unique blend of small-town charm and modern amenities, making it an ideal place for families and businesses alike. As we introduce our wealth management and financial planning services to this dynamic locale, we aim to provide residents with the tools and strategies necessary to secure their financial futures.

Why Choose Tax-Planned Financial Planning?

In the City of Tomball, where the community values both tradition and innovation, the importance of tax-planned financial planning cannot be overstated. Unlike structured settlements, which often provide limited flexibility, our approach focuses on maximizing your financial potential through strategic planning. By leveraging tax-efficient strategies, we ensure that your wealth is not only preserved but also positioned for growth. The numbers speak for themselves, and our math-driven approach guarantees that your financial decisions are backed by solid evidence.

Customized Wealth Strategies for Tomball Residents

Amy Zamikovsky, JD, CFP®, CPWA®, brings over 15 years of expertise in wealth management, estate planning, and financial planning to the City of Tomball. With a deep understanding of the unique financial landscape of Texas, Amy is dedicated to helping clients with portfolios exceeding $1 million navigate the complexities of wealth management. Our holistic approach ensures that your financial plan aligns with your personal goals and values, allowing you to enjoy life while securing your legacy.

Expertise in Financial Planning and Divorce Strategy

Our services extend beyond traditional financial planning. As a Certified Financial Planner® professional and Certified Private Wealth Advisor® professional, Amy Zamikovsky offers specialized guidance for clients undergoing divorce. In Tomball, where family and community are paramount, we provide the support and expertise needed to make informed decisions during this challenging time. Our Personal Divorce Strategist services ensure that you have a dedicated advocate by your side, protecting your interests and helping you achieve a fair resolution.

Comprehensive Financial Services Tailored to Your Needs

In the City of Tomball, we understand that each client’s financial journey is unique. Our comprehensive suite of services includes:

  • Estate Planning: Collaborating with your team of professionals to ensure your estate plan reflects your wishes and integrates seamlessly with your financial strategy.
  • Wealth Management: Offering conservative, goal-oriented investment recommendations that align with your values.
  • Settlement Planning: Demonstrating the financial superiority of traditional wealth management over structured products, even after taxes.
  • Windfall and Lottery Planning: Providing strategic guidance to transform sudden wealth into lasting prosperity.
  • Tax Planning: Working with CPAs to optimize strategies for estate, gift, income, and capital gains taxes.
  • Retirement and Exit Planning: Helping you transition from work to retirement with confidence, maximizing your business’s value and preserving your legacy.
  • 401(k) Optimization: Ensuring your retirement account aligns with your broader financial goals.
  • Inheritance Planning: Assisting with estate administration and management during difficult times.

Serving Tomball and Beyond

While we proudly serve clients nationwide, our expertise is particularly valuable to the residents of Tomball. Whether you’re a high-net-worth family, business owner, medical professional, or retiree, our personalized financial strategies are designed to meet your specific needs. We understand the unique challenges and opportunities that come with managing significant wealth, and we’re here to guide you every step of the way.

Connect with Us

We invite you to explore the benefits of working with a seasoned financial advisor who understands the intricacies of wealth management in the City of Tomball. By appointment only, our office is located at 820 Gessner Road, Houston, Texas 77024. For more information, please contact us at (512) 537-2221 or email contact@attorneyamycfp.com.

Let us help you build a secure financial future in the City of Tomball, where community values and financial success go hand in hand.