Attorney Amy Zamikovsky, JD, CFP®, CPWA®: Wealth Management and Financial Planning in Pearland

Welcome to Pearland, a vibrant community nestled just south of Houston, Texas, where the charm of small-town living meets the dynamic pulse of a thriving metropolitan area. Here, amidst the lush landscapes and friendly neighborhoods, I, Amy Zamikovsky, JD, CFP®, CPWA®, am honored to introduce my comprehensive financial advisory services to the residents of this wonderful city. With over 15 years of experience in wealth management, estate planning, and financial planning, I am committed to building legacies for generations.

Our journey began with a passion for empowering individuals and families to achieve financial security and prosperity. As a CERTIFIED FINANCIAL PLANNER® professional and Certified Private Wealth Advisor® professional, I have dedicated my career to providing personalized financial strategies that align with your unique goals and values. My legal background, with a J.D. from the University of Houston Law Center, enhances my ability to craft sophisticated financial plans that effectively build, preserve, and transfer wealth.

In Pearland, where the community thrives on diversity and growth, I recognize the unique financial needs of its residents. Whether you’re navigating the complexities of estate planning or seeking to optimize your investment portfolio, my services are tailored to meet the specific demands of this vibrant locale. Pearland’s proximity to Houston allows us to draw upon a rich network of professionals, ensuring that your financial plan is comprehensive and well-coordinated.

As a proud member 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, I am deeply connected to the professional community in the Greater Houston area. My involvement with NAPFA, The National Association of Personal Financial Advisors, further underscores my commitment to fiduciary excellence. As a fiduciary, I am legally and ethically obligated to act in your best interests, providing you with the peace of mind that your financial future is in capable hands.

Our services extend far beyond Pearland, as we proudly serve clients nationwide, many of whom have multiple residences and travel extensively. This broad expertise allows us to offer unparalleled financial planning and wealth management services, ensuring that your financial strategies are as dynamic and adaptable as your lifestyle.

In particular, I bring extra horsepower to my services for clients navigating divorce, offering both Financial Planning and Personal Divorce Strategist services. With empathy and expertise, I guide you through this challenging transition, helping you make informed decisions that safeguard your financial independence and future.

Our suite of services includes:

  • Estate Planning: Collaborating with attorneys, trustees, administrators, and CPAs to ensure your estate plan reflects your current wishes and integrates seamlessly with your financial plan.
  • Wealth Management: Providing investment recommendations grounded in sound, conservative financial planning, ensuring your portfolio aligns with your goals and values.
  • Settlement Planning: Demonstrating the financial superiority of traditional wealth management over structured settlements, even after taxes.
  • Windfall Planning: Leveraging cash flow surges for strategic tax planning, retirement planning, and alternative investments.
  • Lottery Planning: Transforming newfound wealth into a lasting legacy for you and your family.
  • Tax Planning: Offering clear, quantified strategies for estate, gift, income, and capital gains taxes, in collaboration with CPAs.
  • Retirement Planning: Guiding you through all stages of life, from preparation to retirement, with personalized attention and care.
  • Exit Planning: Maximizing your business’s value and preserving your legacy through comprehensive financial planning.
  • 401(k) Optimization: Ensuring your retirement account aligns with your broader financial goals and risk tolerance.
  • Divorce Financial Planning: Providing expert guidance for informed decision-making during divorce proceedings.
  • Personal Divorce Strategist: Serving as your dedicated advocate, combining legal and financial expertise to protect your interests.
  • Inheritance Planning: Assisting with estate administration and management, offering support during times of loss.

At our core, we specialize in portfolios exceeding $1 million, offering bespoke financial solutions that cater to your specific needs. While we are introducing our services to Pearland, we are not located there, but we represent clients globally, including those in this vibrant community.

For personalized financial advisory services that prioritize your legacy and future, please reach out to us by appointment at our Houston office. We look forward to the opportunity to serve you and your family with the utmost dedication and care.

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 Pearland with Attorney Amy Zamikovsky, JD, CFP®, CPWA®

Welcome to Pearland, a vibrant city located just south of Houston, Texas, known for its rich cultural tapestry and rapid growth. As a community that values family and progress, Pearland is an ideal place to discuss the sensitive and significant topic of divorce financial planning. Here, we introduce you to Amy Zamikovsky, JD, CFP®, CPWA®, a seasoned professional dedicated to guiding individuals through the complexities of financial planning before and after divorce.

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. 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 professional journey has been marked by significant achievements, including earning her CERTIFIED FINANCIAL PLANNER® and Certified Private Wealth Advisor® designations. As a licensed Texas Attorney, she leverages her legal acumen to craft tailored financial strategies that effectively build, preserve, and transfer wealth. Amy is deeply committed to educating and financially safeguarding the public, evidenced by her development and instruction of a State Bar of Texas CLE course focused on ethics, fiduciary duty, and legal settlement planning.

Divorce Financial Planning

Navigating the financial aspects of divorce can be daunting, but with Amy Zamikovsky’s expertise, you are not alone. We understand the emotional and financial challenges that accompany this life transition, and we are here to support you every step of the way. Our approach is rooted in empathy and experience, ensuring that you receive the guidance you need to secure your financial future.

Fact-Finding

In Pearland, where community ties run deep, we recognize the importance of understanding your unique financial landscape. Our fact-finding process is thorough and compassionate, designed to provide you with a clear and comprehensive view of your financial situation. We delve into every detail that could impact your financial future, empowering you with the clarity and confidence needed during divorce negotiations. Your personalized financial plan will serve as a robust foundation for the future you envision.

Planning

The next chapter of your life begins here, in the heart of Pearland. We specialize in crafting customized financial strategies that align with your individual goals, both immediate and long-term. Our meticulous planning process illuminates the possibilities that lie ahead, helping you achieve financial independence and stability in this new phase of life.

Implementation

Real transformation occurs when plans are put into action. We collaborate closely with you and your trusted legal and financial professionals to streamline your financial life and implement our strategies. As your fiduciary, we are committed to ensuring that every recommendation is made with your best interests in mind.

Our Commitment to Pearland

While we are introducing our services to Pearland, it is important to note that we represent clients globally, including those in this dynamic 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 are dedicated to serving the residents of Pearland with the highest level of professionalism and care.

For inquiries or to schedule an appointment, please contact us at:

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

In Pearland, where growth and community spirit thrive, we are here to help you navigate the financial complexities of divorce with confidence and clarity. Trust in Amy Zamikovsky, JD, CFP®, CPWA®, to guide you through this journey with expertise and empathy.

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

Congratulations, Pearland 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 Pearland, not implying that we’re located there nor moving there, only that we represent clients around the world, including but not limited to Pearland.

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

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

Pearland 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. While this may sound appealing, is it truly the optimal financial decision? For most attorneys, even those in the highest tax bracket, the answer is a resounding no. Let’s delve into why savvy trial lawyers collaborate 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 translates to a $370,000 tax bill if you take it as a lump sum. That might sting, 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 typically 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 often 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 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 engineer 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 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.

Our Connection to Pearland

While we are not located in Pearland, we proudly represent clients from around the world, including those in Pearland. This vibrant city, part of the Greater Houston area, is known for its rich cultural diversity and rapid growth. Pearland offers a unique blend of small-town charm and big-city amenities, making it an attractive place for professionals and families alike. Whether you’re enjoying the local parks, exploring the culinary scene, or participating in community events, Pearland is a city that values progress and innovation.

Contact Information

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 Pearland! We’re Here for You!

Welcome to Pearland, a vibrant and rapidly growing community nestled just south of Houston, Texas. Known for its rich history, diverse culture, and welcoming atmosphere, Pearland offers a unique blend of suburban tranquility and urban convenience. As we introduce our specialized financial services to this dynamic locale, we aim to provide Pearland residents with the tools and expertise necessary to achieve their financial goals.

Why Choose Tax-Planned Financial Planning and Wealth Management?

In Pearland, where the community values smart growth and sustainable living, the importance of tax-planned financial planning cannot be overstated. By focusing on the numbers and letting the math guide our decisions, we offer a superior alternative to structured settlements. Our approach ensures that your financial strategies are not only efficient but also aligned with your personal and family values.

Introducing Amy Zamikovsky, JD, CFP®, CPWA® to Pearland

Amy Zamikovsky, a Senior Financial Advisor at Transform Wealth, brings 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 combines her legal expertise with her financial acumen to craft customized strategies that build, preserve, and transfer wealth effectively. Her commitment to education and financial protection is evident in her development of a State Bar of Texas CLE course focused on ethics, fiduciary duty, and legal settlement planning.

Our Specialized Services for Pearland Residents

We are proud to serve clients nationwide, including those in Pearland, who may have multiple residences or travel extensively. Our expertise extends beyond geographic boundaries, ensuring that our clients receive comprehensive and personalized financial guidance.

Estate Planning

In Pearland, where family and community are at the heart of life, estate planning is crucial. We collaborate with your team of professionals—attorneys, trustees, administrators, and CPAs—to ensure your estate plan reflects your current wishes and integrates seamlessly with your financial plan.

Wealth Management

Our investment recommendations are rooted in sound, conservative financial planning. We ensure that your portfolio holdings align with your goals and values, earning their place in your financial strategy.

Settlement Planning

Regardless of settlement size, our financial planning and traditional wealth management strategies often surpass the benefits of structured products, even after taxes. We let the math speak for itself, providing clarity and confidence in your financial decisions.

Windfall Planning

Sudden cash flow surges, such as inheritances or business windfalls, present opportunities for strategic tax planning and alternative investments. Our comprehensive financial plans lay the foundation for lasting prosperity.

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 your financial future is secure.

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, providing a clear, quantified picture of your financial future.

Retirement Planning

Whether you’re preparing for retirement or already enjoying it, we offer years of experience to guide you through all life stages. Our personalized approach ensures that your retirement years are as fulfilling as possible.

Exit Planning

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

401(k) Optimization

Our 401(k) optimization services ensure that your retirement account aligns with your broader financial goals. As a fiduciary Certified Financial Planner® professional, I provide advice on your entire financial picture, even for assets I don’t manage.

Divorce Financial Planning

Divorce can be a challenging time. Our services provide expert guidance to help you make informed decisions, creating a clear roadmap for financial independence and the next chapter of your life.

Personal Divorce Strategist

As your Personal Divorce Strategist, I serve as your dedicated advocate, combining my expertise as both an attorney and Certified Financial Planner® professional. From asset valuation to wealth preservation strategies, you’ll never face a critical decision alone.

Inheritance Planning

We understand the complexities of managing an estate after a loss. Our team helps you assemble a reputable team of professionals to effectively administer and manage the estate, ensuring peace of mind during a difficult time.

Our Firm’s Expertise: Specializing in Portfolios > $1M

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 are tailored to meet the unique needs of each client, ensuring that their financial goals are achieved.

Contact Us

While our office is located in Houston, Texas, we are available by appointment to serve clients in Pearland and beyond. Reach out to us at contact@attorneyamycfp.com or call (512) 537-2221 to schedule a consultation. Let us help you build a secure financial future and a lasting legacy.