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

Aloha, Hawaii! I’m Amy Zamikovsky, JD, CFP®, CPWA®, and I am thrilled to introduce my wealth management and financial planning services to the beautiful islands of Hawaii. With over 15 years of experience, I am dedicated to helping you build legacies for generations. 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. My career has been enriched by my time at Merrill Lynch, where I earned my CERTIFIED FINANCIAL PLANNER® designation, and later, my Certified Private Wealth Advisor® designation from the Yale School of Management.

Hawaii, with its unique blend of cultures and breathtaking landscapes, from the vibrant streets of Honolulu to the serene beaches of Maui, offers a distinct set of financial planning needs. As a fiduciary, I am committed to acting in your best interests, ensuring that your financial strategies are as robust and resilient as the islands themselves. My services are designed to cater to the diverse needs of Hawaii’s residents, whether you’re navigating the complexities of estate planning or seeking guidance on wealth management.

I am proud to be associated with esteemed organizations such as the Houston Association of Women Attorneys and the Houston Estate and Financial Forum. These affiliations reflect my commitment to excellence and continuous learning, ensuring that I bring the best practices to my clients in Hawaii.

Estate Planning

In Hawaii, where family ties and cultural heritage are deeply valued, estate planning is more than just a financial necessity—it’s a way to honor your legacy. I collaborate with a team of professionals, including attorneys, trustees, and CPAs, to ensure your estate plan aligns with your wishes and seamlessly integrates with your financial goals.

Wealth Management

Every investment recommendation I make is grounded in sound, conservative financial planning. I ensure that your portfolio reflects your personal goals and values, much like the diverse and vibrant communities across Hawaii.

Settlement Planning

Whether you’re in Honolulu or Hilo, financial planning and traditional wealth management often surpass the benefits of structured settlements. I let the numbers speak for themselves, ensuring that even after taxes, your financial future is secure.

Windfall Planning

Hawaii’s economy, with its unique opportunities, can lead to unexpected financial windfalls. I offer strategic tax planning, retirement planning, and alternative investment strategies to help you integrate these opportunities into your existing financial framework.

Lottery Planning

Winning the lottery is a dream come true, and I’m here to help you transform that dream into a lasting legacy. With my expertise, you can protect your newfound wealth and ensure it benefits your family and community for generations.

Tax Planning

Navigating Hawaii’s tax landscape requires a clear, quantified approach. Whether dealing with estate taxes, gift taxes, or capital gains, I work closely with CPAs to implement optimal strategies that align with your financial goals.

Retirement Planning

Whether you’re enjoying the golden years in Kauai or planning for retirement in Oahu, I bring years of experience to help you navigate this important life stage. It’s my honor to support you through every step of your journey.

Exit Planning

For business owners in Hawaii, exit planning is crucial to preserving your legacy. I help maximize your business’s value, minimize taxes, and ensure a smooth transition, allowing you to enjoy the fruits of your labor.

401(k) Optimization

I offer 401(k) optimization services to help you make the most of your retirement account. As a fiduciary CFP® professional, I provide comprehensive advice to ensure your 401(k) aligns with your broader financial objectives.

Divorce Financial Planning

Divorce can be challenging, but with my guidance, you can make informed decisions that protect your financial future. I offer personalized strategies to help you navigate this transition with confidence.

Personal Divorce Strategist

As your Personal Divorce Strategist, I combine my legal and financial expertise to advocate for your best interests. From asset valuation to wealth preservation, I ensure you’re never alone in making critical decisions.

Inheritance Planning

In times of loss, I’m here to help you move forward. My inheritance planning services ensure that your loved one’s legacy is honored and managed effectively, no matter where you are in Hawaii.

Our Firm’s Expertise

Specializing in portfolios over $1 million, I am proud to serve clients nationwide, including those with multiple residences and extensive travel schedules. My expertise extends far beyond Hawaii, ensuring that your financial strategies are as dynamic and adaptable as your lifestyle.

While my office is based in Houston, Texas, I am available by appointment to discuss how I can assist you in achieving your financial goals. Please feel free to reach out via email at contact@attorneyamycfp.com or by phone at (512) 537-2221. I look forward to the opportunity to work with you and help you build a legacy that lasts for generations.

Pre-and-Post Divorce Financial Planning in Hawaii with Attorney Amy Zamikovsky, JD, CFP®, CPWA®

Navigating the complexities of divorce can be challenging, especially in a place as unique as Hawaii. With its rich cultural tapestry and distinct legal landscape, Hawaii presents both opportunities and challenges for those undergoing divorce. At the heart of the Pacific, Hawaii is not just a paradise of beaches and lush landscapes but also a state with its own specific divorce laws and financial considerations. This is where Attorney Amy Zamikovsky, JD, CFP®, CPWA®, steps in, offering her extensive expertise in financial planning and wealth management to clients in Hawaii.

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

Amy Zamikovsky, JD, CFP®, CPWA®, is a seasoned Senior Financial Advisor with over 15 years of experience in wealth management, estate planning, and financial planning. She is a Texas-licensed attorney with a profound understanding of the intricacies involved in financial negotiations during divorce. Amy’s educational background includes a B.S. in Biology from Southeastern Louisiana University and a J.D. from the University of Houston Law Center. Her professional journey includes earning the prestigious CERTIFIED FINANCIAL PLANNER® and Certified Private Wealth Advisor® designations, equipping her with the skills to craft personalized financial strategies.

Divorce Financial Planning

Divorce can be a transformative period, and in Hawaii, it requires careful navigation of both personal and financial landscapes. Amy Zamikovsky’s approach is rooted in empathy and expertise, ensuring that her clients are well-prepared for the financial implications of divorce.

Fact-Finding

Understanding your financial situation is crucial, especially in Hawaii, where the cost of living is among the highest in the United States. We delve deep into your financial landscape, considering factors unique to Hawaii, such as property values and local economic conditions. Our goal is to provide clarity and confidence as you negotiate your financial future, ensuring that your customized financial plan is robust and comprehensive.

Planning

The journey to financial independence begins with a plan tailored to your unique circumstances. In Hawaii, this means considering both immediate needs and long-term goals, such as retirement planning and investment strategies that align with the local market. Our meticulous planning process is designed to illuminate the possibilities in your new phase of life, helping you to build a secure and prosperous future.

Implementation

Turning plans into action is where transformation truly begins. We work collaboratively with your legal and financial professionals to streamline your financial life, ensuring that every decision is in your best interest. As your fiduciary, we are committed to providing personalized recommendations that reflect your unique needs and goals.

The Importance of Tax-Planned Financial Planning

In Hawaii, where state taxes can significantly impact your financial situation, choosing tax-planned financial planning is crucial. Amy Zamikovsky emphasizes the importance of this approach, highlighting how it can offer superior financial benefits compared to structured settlements. By focusing on the numbers, we ensure that your financial strategies are grounded in reality, providing a solid foundation for your future.

Connecting with Clients in Hawaii

While Amy Zamikovsky is based in Texas, her reach extends globally, including to clients in Hawaii. Our services are designed to meet the needs of individuals navigating divorce in Hawaii, offering expert-level guidance and support. We are here to introduce ourselves to the Hawaiian community, providing the financial expertise needed to navigate this challenging time.

Contact Information

For those in Hawaii seeking expert financial planning and wealth management services, Amy Zamikovsky is available by appointment. Although based in Houston, Texas, we are committed to serving clients worldwide, including those in Hawaii.

  • Office Address:

BY APPOINTMENT ONLY
820 Gessner Road
Houston, Texas 77024

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

In conclusion, navigating divorce in Hawaii requires a nuanced understanding of both local and financial landscapes. With Amy Zamikovsky’s expertise, clients can confidently face the future, knowing they have a comprehensive financial strategy tailored to their unique needs.

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

Aloha, Hawaii! Congratulations on your incredible lottery win! As you bask in the tropical beauty of the islands, your life is set to transform in ways you’ve only imagined. Amidst the thrill of newfound wealth, you face pivotal 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

In Hawaii, where the spirit of ‘ohana (family) and community is strong, 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 to protect assets and minimize taxes, ensuring your wealth benefits future generations
  • Assemble a team of vetted attorneys, CPAs, and bankers who understand the unique financial landscape of Hawaii
  • Maintain your privacy and security, allowing you to enjoy the islands’ tranquility without worry
  • Manage incoming 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 short and long-term lifestyle and legacy goals, reflecting the values of the Hawaiian culture
  • Invest for optimal growth, income, and capital preservation, taking into account Hawaii’s unique economic environment
  • Maximize tax efficiency through strategic accounts and asset allocation, ensuring compliance with both state and federal regulations
  • Secure your retirement with income-generating investments that allow you to enjoy Hawaii’s beautiful sunsets without financial worry
  • Establish trusts and gifts for future generations, preserving the aloha spirit of giving

Give with Confidence

If philanthropy is one of your priorities, it is my personal pleasure to guide you on 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, reflecting the Hawaiian tradition of mālama (to care for).

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, allowing you to explore the islands’ natural wonders and cultural richness.

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, from the lush valleys of Kauai to the vibrant streets of Honolulu.

Office Address

BY APPOINTMENT ONLY
820 Gessner Road
Houston, Texas 77024

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

This is my location. Remember that we are just introducing ourselves to Hawaii, not implying that we’re located there nor moving there, only that we represent clients around the world, including but not limited to Hawaii.

Hawaii Structured Attorney Fees: Why Deferral Costs Millions, Even After Taxes

Aloha, esteemed colleagues and clients in Hawaii! Imagine this: you’ve just won a significant case, securing a $1 million contingency fee. The structured settlement broker suggests deferring your fee into a “tax-advantaged” annuity. It sounds appealing, especially with Hawaii’s unique financial landscape, but is it truly the best financial decision? In most scenarios, the answer is a resounding no—even for attorneys in the highest tax bracket. 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. While that might sting, 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 astonishing. 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 improves over time. 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 tap 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 engineer 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.

Our Commitment to Hawaii

While we are not physically located in Hawaii, we are committed to serving clients around the world, including those in the beautiful islands of Hawaii. We understand the unique financial considerations of living in paradise and are here to help you navigate them with expertise and care.

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

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

Mahalo for considering us for your financial planning needs. We look forward to helping you achieve your financial goals with the aloha spirit.

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

Aloha, Hawaii! We are thrilled to introduce you to the exceptional financial planning and wealth management services offered by Amy Zamikovsky, JD, CFP®, CPWA®. With over 15 years of experience, Amy is a Senior Financial Advisor at Transform Wealth, specializing in crafting personalized financial strategies that align with your unique goals and values. While Amy is based in Texas, her expertise extends nationwide, including the beautiful islands of Hawaii.

The Importance of Tax-Planned Financial Planning in Hawaii

Hawaii, known for its stunning landscapes and rich cultural heritage, also presents unique financial planning challenges and opportunities. With its distinct tax regulations and economic environment, having a tax-planned financial strategy is crucial. At the heart of our approach is the belief that numbers never lie. By focusing on tax-planned financial planning, we help you maximize your wealth far beyond the benefits of structured settlements. Our strategies are designed to preserve and grow your wealth, ensuring that your financial future is as vibrant as the Hawaiian sunsets.

Customized Wealth Strategies for Hawaii’s Unique Needs

Our specialization lies in financial planning where legal expertise meets customized wealth strategies. We cater to high-net-worth individuals with portfolios exceeding $1 million, providing a holistic approach that encompasses wealth management, tax optimization, and estate planning. Whether you’re a business owner in Honolulu, a medical professional in Maui, or a retiree enjoying the serene life on Kauai, our personalized solutions are tailored to meet your specific needs.

Estate Planning: A Collaborative Approach

In Hawaii, where family ties and community are deeply valued, estate planning takes on a special significance. We work collaboratively with your team of professionals, including attorneys, trustees, and CPAs, to ensure your estate plan reflects your current wishes and integrates seamlessly with your financial plan. Our goal is to help you build and sustain generational wealth, preserving your legacy for future generations.

Wealth Management: Aligning with Your Goals and Values

Every investment recommendation we make is grounded in sound, conservative financial planning. We ensure that your portfolio holdings align with your goals and values, earning their place in your financial strategy. Whether you’re navigating the complexities of Hawaii’s real estate market or exploring alternative investments, our wealth management services are designed to support your aspirations.

Settlement Planning: Let the Math Speak

When it comes to settlement planning, the numbers tell the story. Our financial planning and traditional wealth management services often prove superior to structured products, even after taxes. Whether you’re a client or a plaintiff’s attorney, we let the math guide our decisions, ensuring the best possible outcomes for your financial future.

Windfall and Lottery Planning: Transforming Wealth into Legacy

Experiencing a financial windfall or winning the lottery can be life-changing. In Hawaii, where community and family are paramount, we help you transform your newfound wealth into a lasting legacy. Our strategic tax planning, retirement planning, and alternative investment strategies are designed to integrate seamlessly with your existing finances, ensuring long-term prosperity.

Tax Planning: Navigating Hawaii’s Unique Tax Landscape

Hawaii’s tax landscape is unique, with specific considerations for estate taxes, gift taxes, income taxes, and more. Our tax planning services provide a clear, quantified picture of optimal strategies moving forward. We work closely with CPAs to ensure proper implementation, helping you navigate the complexities of Hawaii’s tax system with confidence.

Retirement and Exit Planning: Securing Your Future

Whether you’re preparing for retirement or planning your exit from a successful business, our comprehensive financial planning services are here to support you. We help you maximize your business’s value, minimize taxes, and preserve your legacy, ensuring a secure and fulfilling future.

401(k) Optimization and Divorce Financial Planning

Our 401(k) optimization services ensure that your retirement account aligns with your broader financial goals, risk tolerance, and retirement timeline. Additionally, our divorce financial planning services provide expert guidance, helping you make informed decisions during a challenging time. As your Personal Divorce Strategist, Amy combines her expertise as both an attorney and Certified Financial Planner® professional to protect your best interests every step of the way.

Inheritance Planning: Compassionate Guidance

In times of loss, we’re here to provide compassionate guidance. Our inheritance planning services help you assemble a team of reputable professionals to effectively administer and manage an estate, ensuring that your loved one’s legacy is honored.

Serving Hawaii and Beyond

While we proudly serve clients nationwide, including those with multiple residences and extensive travel schedules, our expertise extends far beyond any single location. Whether you’re in Hawaii or elsewhere, our commitment to your financial success remains unwavering.

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

Mahalo for considering us as your trusted partner in wealth management and financial planning. We look forward to helping you achieve your financial goals and build a legacy that reflects the beauty and spirit of Hawaii.