Attorney Amy Zamikovsky, JD, CFP®, CPWA®: Wealth Management and Financial Planning in Friendswood
Welcome to Friendswood, a charming city nestled between the bustling metropolises of Houston and Galveston, where community spirit and a rich history blend seamlessly with modern living. As a Senior Financial Advisor and Texas Attorney, I am thrilled to introduce myself, Amy Zamikovsky, JD, CFP®, CPWA®, to this vibrant community. With over 15 years of experience in wealth management, estate planning, and financial planning, I am dedicated to building legacies for generations.
Friendswood, known for its lush parks and family-friendly atmosphere, is a place where values matter, and community ties run deep. It is here that I aim to provide tailored financial advisory services that address the unique needs of this community. Whether you’re planning for retirement, managing a windfall, or navigating the complexities of divorce, my services are designed to offer clarity and confidence in your financial journey.
As a CERTIFIED FINANCIAL PLANNER® professional and Certified Private Wealth Advisor® professional, I bring a wealth of knowledge and a fiduciary commitment to act in your best interests. My approach is rooted in the belief that numbers never lie, and through tax-planned financial planning and wealth management, we can achieve superior financial outcomes compared to structured settlements.
I am proud to be affiliated 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 reflect my commitment to professional excellence and continuous learning, ensuring that I provide the highest level of service to my clients.
Our financial planning services are comprehensive and tailored to meet the diverse needs of Friendswood residents. From estate planning, where we collaborate with your team of professionals to ensure your wishes are honored, to wealth management, where every investment recommendation is aligned with your goals and values, we are here to support you.
Settlement planning is another area where we excel, offering strategies that often surpass the benefits of structured products, even after taxes. Our windfall planning services provide opportunities for strategic tax planning and integration with existing finances, laying the foundation for lasting prosperity.
For those fortunate enough to experience a lottery win, our lottery planning services ensure that your newfound wealth is protected and transformed into a lasting legacy. Our tax planning services cover everything from estate taxes to Roth conversions, providing a clear picture of optimal strategies moving forward.
Retirement planning is a personal pleasure and honor for us, as we guide you through all stages of life, ensuring your financial security as you grow older and wiser. Our exit planning services help you maximize your business’s value and preserve your legacy, while our 401(k) optimization services ensure your retirement account aligns with your broader financial goals.
Divorce financial planning is an area where we offer expert guidance, helping you make informed decisions and creating a roadmap for financial independence. As your Personal Divorce Strategist, I combine my expertise as both an attorney and a Certified Financial Planner® professional to protect your best interests, ensuring you never face a critical decision alone.
Inheritance planning is handled with the utmost care and sensitivity, as we assist you in managing an estate during a difficult time. We assemble a team of reputable professionals to ensure effective administration, no matter the jurisdiction.
While our expertise extends nationwide, we are particularly excited to serve the Friendswood community, offering personalized attention and care to each client. We understand the trust and opportunity you provide us, and we are committed to honoring that with integrity and dedication.
Our office, located at 820 Gessner Road in Houston, Texas, operates by appointment only, allowing us to give each client the focused attention they deserve. We invite you to reach out via email at contact@attorneyamycfp.com or by phone at (512) 537-2221 to discuss how we can assist you in achieving your financial goals.
In Friendswood, where community values and personal legacies are cherished, we are here to help you build a future that reflects your dreams and aspirations. Together, let’s create a financial plan that stands the test of time, ensuring your legacy endures for generations to come.
Pre-and-Post Divorce Financial Planning in Friendswood with Attorney Amy Zamikovsky, JD, CFP®, CPWA®
Introducing Amy Zamikovsky, JD, CFP®, CPWA® to Friendswood
Nestled between the bustling cities of Houston and Galveston, Friendswood is a charming community known for its rich history and welcoming atmosphere. As a Senior Financial Advisor and Texas Attorney, I, Amy Zamikovsky, JD, CFP®, CPWA®, am thrilled to extend my expertise in wealth management and financial planning to the residents of Friendswood. With over 15 years of experience, I specialize in crafting personalized financial strategies that cater to the unique needs of each client, particularly during the challenging times of pre-and-post divorce financial planning.
Divorce Financial Planning
Divorce can be a tumultuous time, and I understand the complexities involved, both personally and professionally. My approach is rooted in empathy and expertise, ensuring that you receive the support and guidance necessary to navigate this significant life transition.
Fact-Finding
In Friendswood, where community values and personal connections are cherished, I prioritize getting to know you—the real you. Our fact-finding process is designed to uncover every detail of your financial landscape, providing clarity and confidence as you move through divorce negotiations. By understanding your complete financial picture, we lay the groundwork for a customized plan that aligns with your future aspirations.
Planning
As you embark on the next chapter of your life, we work together to develop financial strategies tailored to your specific goals. Whether you’re focused on immediate needs or long-term financial independence, our meticulous planning process illuminates the possibilities that lie ahead. In Friendswood, where growth and opportunity abound, we ensure that your financial plan is as dynamic and forward-thinking as the community itself.
Implementation
Turning plans into action is where real transformation begins. In collaboration with your trusted legal and financial professionals, we streamline your financial life and implement strategies that are truly in your best interest. As your fiduciary, I am committed to ensuring that every recommendation is aligned with your goals, providing peace of mind as you navigate this new phase.
The Importance of Tax-Planned Financial Planning
In Friendswood, where the community thrives on integrity and trust, the importance of tax-planned financial planning cannot be overstated. By focusing on the numbers and leveraging tax-efficient strategies, we maximize your financial potential far beyond the benefits of structured settlements. The math is clear: a well-crafted financial plan is the cornerstone of a secure and prosperous future.
Connecting with Friendswood
While my office is located in Houston, I am dedicated to serving clients in Friendswood and beyond. By appointment only, I offer personalized consultations to ensure that your financial needs are met with the utmost care and attention. Whether you’re navigating divorce or planning for the future, I am here to support you every step of the way.
Office Address
BY APPOINTMENT ONLY
820 Gessner Road
Houston, Texas 77024
Email: contact@attorneyamycfp.com
Phone: (512) 537-2221
In Friendswood, where community and personal growth are deeply valued, I am honored to offer my expertise in financial planning and wealth management. Together, we can build a future that reflects your aspirations and secures your financial well-being.
Friendswood Lottery Winners: Secure Your Dreams with Strategic Wealth Management from Attorney Amy Zamikovsky, JD, CFP®, CPWA®
Congratulations, Friendswood 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 thrill of sudden wealth, you face crucial decisions that will shape your financial security for generations to come. 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 exhilarating yet overwhelming time with confidence and clarity.
Preserve Your Winnings
Safeguarding your newfound wealth is of utmost importance. Without proper legal structures and financial strategies, your millions could be at risk from taxes, lawsuits, scams, and mismanagement. As your trusted advisor, I’ll assist you in:
- Creating a trust and estate plan to protect 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 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 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 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 Friendswood, not implying that we’re located there nor moving there, only that we represent clients around the world, including but not limited to Friendswood.
Office Address
BY APPOINTMENT ONLY
820 Gessner Road
Houston, Texas 77024
Email: contact@attorneyamycfp.com
Phone: (512) 537-2221
Friendswood Structured Attorney Fees: Why Deferral Costs Millions, Even After Taxes
You’ve just won a significant case and secured 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 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 taken 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! And it only gets better long-term. Over 30 years at 8%, the lump sum grows to $6.4 million after tax versus $1.5 million with deferral.
Lost Opportunity and Liquidity
Beyond the sheer wealth gap, a lump sum provides invaluable liquidity and leverage. Need funds for a lucrative investment or unexpected expense? You can access a securities-based loan. Banks won’t lend against deferred fees. Want to pivot your investments or estate plan? Unfortunately, your money is locked up.
More Tax-Efficient Growth
What about the “tax-free growth” structured settlement companies promote? With strategic planning, you can significantly outperform deferral after tax:
- Maximize pre-tax retirement plans to grow funds tax-deferred
- Contribute after-tax dollars to a Roth IRA for tax-free growth
- Allocate assets tax-efficiently among account types
- Harvest tax losses to offset gains
- Capitalize on the lower long-term capital gains rate
A skilled CERTIFIED FINANCIAL PLANNER® professional, especially a Certified Private Wealth Advisor® professional, can help you craft a far more tax-smart approach than the blunt deferral method.
The Hidden Fees
Here’s one last deferral pitfall: hidden commissions. Structured settlement brokers often take 4%+ off the top. On a $1 million fee, that’s $40,000 of your money lost—an amount that could grow to $452,593 over 30 years at 8%! In contrast, you can invest your lump sum in low-cost index funds for a fraction of the fees.
Don’t Defer Without Professional Analysis
Before considering a structured settlement proposal, engage an experienced CERTIFIED FINANCIAL PLANNER® professional to model your unique scenario. Chances are, you’ll find the compounding effect of investing your after-tax lump sum far outweighs any perceived benefits of deferral—even in the highest tax bracket.
If you’d like a personalized professional assessment of an upcoming fee decision, contact us today to see how we can help you maximize your hard-earned wealth.
This is My Location
Remember, we are just introducing ourselves to Friendswood, not implying that we’re located there nor moving there, only that we represent clients around the world, including but not limited to Friendswood.
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 who are 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 Friendswood! We’re Here for You!
Welcome to Friendswood, a charming city nestled between Houston and Galveston, known for its rich history, vibrant community, and picturesque landscapes. As a resident or someone with interests in Friendswood, you understand the importance of sound financial planning to secure your future and build a lasting legacy. At Transform Wealth, we are proud to introduce Amy Zamikovsky, JD, CFP®, CPWA®, a Senior Financial Advisor with over 15 years of experience in wealth management, estate planning, and financial planning.
Why Choose Tax-Planned Financial Planning?
In Friendswood, a city that values community and growth, making informed financial decisions is crucial. We emphasize the importance of tax-planned financial planning and wealth management as superior alternatives to structured settlements. The numbers tell the truth, and our strategies are designed to maximize your financial potential. With a focus on portfolios exceeding $1 million, our holistic approach helps you preserve and grow your wealth while enjoying life in this beautiful community.
Customized Wealth Strategies
Amy Zamikovsky, a Certified Financial Planner® professional and Certified Private Wealth Advisor® professional, combines her legal expertise with financial acumen to offer customized wealth strategies. Her background as an experienced attorney in Texas enables her to guide you through sensitive financial discussions, empowering you to build your ideal personal legacy.
Comprehensive Services for Friendswood Residents
Our services extend beyond traditional financial planning. We offer a range of specialized services tailored to meet the unique needs of Friendswood residents:
- Estate Planning: Collaborating with your team of professionals, we ensure your estate plan aligns with your financial goals and current wishes.
- Wealth Management: Our investment recommendations are based on conservative financial planning, ensuring your portfolio reflects your values and goals.
- Settlement Planning: We demonstrate how financial planning and traditional wealth management often surpass the benefits of structured products, even after taxes.
- Windfall Planning: Strategic tax planning and retirement planning are essential when managing cash flow surges, ensuring long-term prosperity.
- Lottery Planning: Transform your newfound wealth into a lasting legacy with our expert guidance.
- Tax Planning: From estate taxes to Roth conversions, we provide clear strategies for optimal tax planning.
- Retirement Planning: Whether preparing for retirement or already retired, we offer personalized guidance through all life stages.
- Exit Planning: Maximize your business’s value and preserve your legacy with our comprehensive financial planning services.
- 401(k) Optimization: Ensure your retirement account aligns with your broader financial goals and risk tolerance.
- Divorce Financial Planning: Receive expert guidance to make informed decisions during a divorce, creating a roadmap for financial independence.
- Personal Divorce Strategist: As your advocate, Amy combines her legal and financial expertise to protect your interests throughout the divorce process.
- Inheritance Planning: We assist in managing and administering estates, providing support during challenging times.
Serving a Diverse Clientele
We proudly serve a diverse clientele, including 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 expertise extends nationwide, catering to clients with multiple residences and those who travel extensively.
Connect with Us
While we are not physically located in Friendswood, we are committed to serving clients in this community and beyond. Our office is located at 820 Gessner Road, Houston, Texas 77024, and we are available by appointment only. Reach out to us via email at contact@attorneyamycfp.com or call us at (512) 537-2221 to discuss how we can help you achieve your financial goals.
In Friendswood, where community values and future planning go hand in hand, Amy Zamikovsky, JD, CFP®, CPWA®, is here to guide you on your financial journey. Let us help you build a secure and prosperous future, one strategic decision at a time.
