Attorney Amy Zamikovsky, JD, CFP®, CPWA®: Wealth Management and Financial Planning in Hawaii County
Aloha, Hawaii County! I am thrilled to introduce myself, Amy Zamikovsky, JD, CFP®, CPWA®, to this vibrant and culturally rich community. With over 15 years of experience in wealth management, estate planning, and financial planning, I am dedicated to helping you build legacies for generations. Nestled in the heart of the Hawaiian Islands, Hawaii County, often referred to as the Big Island, is renowned for its diverse landscapes, from the lush rainforests of Hilo to the volcanic wonders of Hawaii Volcanoes National Park. This unique environment inspires me to tailor financial strategies that resonate with the local spirit and meet the specific needs of residents in towns like Kailua-Kona, Waimea, and Pahoa.
Our journey began with a commitment to providing personalized financial advisory services that prioritize your best interests. As a fiduciary, I am legally and ethically obligated to act in your favor, ensuring that every decision is made with your financial well-being in mind. My credentials as a CERTIFIED FINANCIAL PLANNER® professional and Certified Private Wealth Advisor® professional reflect my dedication to maintaining the highest standards of excellence and integrity.
Understanding the local market needs is essential, and I am here to offer comprehensive financial planning services that address the unique challenges and opportunities present in Hawaii County. Whether you’re navigating the complexities of estate planning or seeking to optimize your investment portfolio, my goal is to provide you with the tools and guidance necessary to achieve financial security and prosperity.
I am proud to be associated with esteemed organizations such as the Houston Association of Women Attorneys, the Houston Estate and Financial Forum, and the National Association of Personal Financial Advisors (NAPFA). These affiliations enhance my ability to deliver cutting-edge financial solutions and stay abreast of industry trends.
In Hawaii County, where the spirit of ‘ohana (family) and community is deeply cherished, I am committed to offering financial planning services that honor these values. Our services extend nationwide, catering to clients with multiple residences and those who travel extensively. This broad expertise allows us to bring a wealth of knowledge and experience to the residents of Hawaii County.
For those experiencing life transitions, such as divorce, I offer specialized financial planning and personal divorce strategist services. These services are designed to provide clarity and support during challenging times, ensuring that you make informed decisions that align with your long-term goals.
Tax-planned financial planning and wealth management are at the core of what we do. By focusing on the numbers, we help you navigate the complexities of taxes, from estate and gift taxes to income and capital gains taxes. Our approach is grounded in the belief that a well-structured financial plan is superior to the benefits of structured settlements, allowing you to maximize your wealth and secure your financial future.
Our comprehensive suite of services includes:
- Estate Planning: Collaborating with your team of professionals to ensure your estate plan aligns with your wishes and financial goals.
- Wealth Management: Offering investment recommendations that reflect your values and objectives.
- Settlement Planning: Providing financial planning that outperforms structured products, even after taxes.
- Windfall Planning: Strategically managing cash flow surges for lasting prosperity.
- Lottery Planning: Protecting your newfound wealth and transforming it into a lasting legacy.
- Tax Planning: Delivering optimal strategies for estate, gift, income, and capital gains taxes.
- Retirement Planning: Supporting you through all stages of life with personalized retirement strategies.
- Exit Planning: Maximizing your business’s value and preserving your legacy.
- 401(k) Optimization: Ensuring your retirement account aligns with your financial goals.
- Divorce Financial Planning: Guiding you through divorce with objective, informed decisions.
- Personal Divorce Strategist: Serving as your advocate to protect your interests during divorce.
- Inheritance Planning: Assisting with estate administration and management during difficult times.
Our expertise is tailored for portfolios exceeding $1 million, and we are honored to serve clients in Hawaii County and beyond. While our office is based in Houston, Texas, we are available by appointment to discuss how we can assist you in achieving your financial aspirations.
Mahalo for considering us as your trusted financial partner. We look forward to the opportunity to help you build a legacy that reflects the beauty and resilience of Hawaii County. Please feel free to reach out via email at contact@attorneyamycfp.com or by phone at (512) 537-2221 to schedule a consultation.
Pre-and-Post Divorce Financial Planning in Hawaii County with Attorney Amy Zamikovsky, JD, CFP®, CPWA®
Navigating the complexities of divorce can be challenging, especially when it comes to financial planning. In Hawaii County, where the lush landscapes and vibrant culture offer a unique backdrop, the importance of sound financial planning becomes even more pronounced. Attorney Amy Zamikovsky, JD, CFP®, CPWA®, brings her extensive expertise to the table, helping individuals in Hawaii County manage their financial futures with precision and care.
Introducing Amy Zamikovsky, JD, CFP®, CPWA®
With over 15 years of experience in wealth management, estate planning, and financial planning, Amy Zamikovsky is a Senior Financial Advisor at Transform Wealth. Her academic journey began with a B.S. in Biology from Southeastern Louisiana University, followed by a J.D. from the University of Houston Law Center. Her career has been marked by significant achievements, including earning the CERTIFIED FINANCIAL PLANNER® and Certified Private Wealth Advisor® designations. While she practices law in Texas, her financial acumen extends to clients worldwide, including those in Hawaii County.
The Importance of Tax-Planned Financial Planning
In Hawaii County, where the cost of living can be higher than the national average, the benefits of tax-planned financial planning cannot be overstated. Amy emphasizes the superiority of such planning over structured settlements, highlighting that numbers and careful calculations are the keys to financial success. By focusing on tax efficiency, Amy helps clients maximize their wealth, ensuring that every dollar works harder for them.
Divorce Financial Planning: A Personalized Approach
Fact-Finding
Understanding your financial landscape is crucial, especially during a divorce. In Hawaii County, where the cultural emphasis on family and community is strong, we recognize the importance of a compassionate approach. We take the time to understand your unique situation, ensuring that every aspect of your financial picture is clear. This thorough understanding allows us to provide you with the clarity and confidence needed during financial negotiations, setting the stage for a secure future.
Planning
The transition to a new chapter in life requires careful planning. In Hawaii County, where the spirit of ‘ohana (family) and community support is deeply ingrained, we craft financial strategies that align with your personal goals. Our approach considers both your immediate needs and long-term aspirations, helping you achieve financial independence. We illuminate the possibilities that lie ahead, ensuring that your financial plan is as vibrant as the island itself.
Implementation
Real transformation begins with action. We work collaboratively with you and your trusted advisors to implement financial strategies that streamline your financial life. As your fiduciary, we prioritize your best interests, ensuring that every recommendation is tailored to your needs. In Hawaii County, where the natural beauty inspires a sense of peace and balance, we strive to bring the same harmony to your financial affairs.
Connecting with Hawaii County
While our office is based in Houston, Texas, we are committed to serving clients in Hawaii County and beyond. Our global reach allows us to provide expert financial advice to individuals navigating the complexities of divorce, no matter where they are located. We understand the unique challenges faced by residents of Hawaii County and are here to offer guidance and support.
For those in Hawaii County seeking expert financial planning during and after divorce, Attorney Amy Zamikovsky, JD, CFP®, CPWA®, is here to help you build a secure and prosperous future. Contact us today to learn more about how we can assist you in achieving your financial goals.
Office Address (By Appointment Only):
820 Gessner Road
Houston, Texas 77024
Email: contact@attorneyamycfp.com
Phone: (512) 537-2221
Hawaii County Lottery Winners: Secure Your Dreams with Strategic Wealth Management from Attorney Amy Zamikovsky, JD, CFP®, CPWA®
Congratulations, Hawaii County lottery winners! You’ve just hit the jackpot, and your life is about to transform in ways you’ve only imagined. Amidst the thrill and excitement 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 the right 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 astute 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, such as 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 Hawaii County, not implying that we’re located there nor moving there, only that we represent clients around the world, including but not limited to Hawaii County.
Office Address
BY APPOINTMENT ONLY
820 Gessner Road
Houston, Texas 77024
Email: contact@attorneyamycfp.com
Phone: (512) 537-2221
Hawaii County Structured Attorney Fees: Why Deferral Costs Millions, Even After Taxes
Aloha, esteemed colleagues and clients in Hawaii County! Imagine you’ve just secured a $1 million contingency fee from a landmark case. A structured settlement broker suggests deferring your fee into a “tax-advantaged” annuity. While this may initially 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 partner 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 equates to a $370,000 tax bill if taken as a lump sum. It might seem daunting, 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 striking. Even after paying $370,000 in taxes, you end up with $1-1.9 million more by taking the lump sum and investing it! And the benefits only increase over time. Over 30 years at an 8% return, the lump sum grows to $6.4 million after tax, compared to just $1.5 million with deferral.
Lost Opportunity and Liquidity
Beyond the substantial wealth gap, a lump sum provides invaluable liquidity and leverage. Need funds for a promising investment or an unexpected expense? You can access a securities-based loan. Banks won’t lend against deferred fees. Want to adjust your investments or estate plan? Unfortunately, your money is locked up with deferral.
More Tax-Efficient Growth
What about the “tax-free growth” that structured settlement companies 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 different account types
- Harvest tax losses to offset gains
- Take advantage of the lower long-term capital gains rate
A skilled CERTIFIED FINANCIAL PLANNER® professional, particularly a Certified Private Wealth Advisor® professional, can help you craft a far more tax-efficient strategy than the blunt deferral method.
The Hidden Fees
Here’s another pitfall of deferral: hidden commissions. Structured settlement brokers often take 4% or more off the top. On a $1 million fee, that’s $40,000 of your money lost—an amount that could grow to $452,593 over 30 years at an 8% return! In contrast, you can invest your lump sum in low-cost index funds for a fraction of the fees.
Don’t Defer Without Professional Analysis
Before considering a structured settlement proposal, consult with an experienced CERTIFIED FINANCIAL PLANNER® professional to model your unique scenario. Chances are, you’ll find that the compounding effect of investing your after-tax lump sum far outweighs any perceived benefits of deferral—even in the highest tax bracket.
If you’re interested in a personalized professional assessment of an upcoming fee decision, reach out to us today. We’re here to help you maximize your hard-earned wealth, whether you’re in Hawaii County or anywhere else in the world.
Contact Information
While we are not located in Hawaii County, we proudly represent clients globally, including those in your beautiful region. For appointments and consultations, please contact us:
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 confidence and clarity.
Moving Forward with Attorney Amy Zamikovsky, JD, CFP®, CPWA®: Wealth Management and Financial Planning in Hawaii County! We’re Here for You!
Welcome to Hawaii County, a region renowned for its breathtaking landscapes, rich cultural heritage, and a community that values both tradition and innovation. As you navigate the unique financial landscape of Hawaii County, it’s essential to have a partner who understands the intricacies of wealth management and financial planning. That’s where Attorney Amy Zamikovsky, JD, CFP®, CPWA®, comes in.
Why Choose Tax-Planned Financial Planning?
In Hawaii County, where the cost of living can be as high as the peaks of Mauna Kea, strategic financial planning is crucial. We emphasize the importance of tax-planned financial planning and wealth management, which often provide greater financial benefits than structured settlements. Numbers don’t lie, and our approach ensures that every decision is backed by solid math and strategic foresight.
Our Specialization: Where Legal Expertise Meets Customized Wealth Strategies
Amy Zamikovsky, JD, CFP®, CPWA®, brings over 15 years of experience in wealth management, estate planning, and financial planning. Her unique blend of legal expertise and financial acumen allows her to craft customized strategies that cater to portfolios exceeding $1 million. Our holistic approach is designed to help you preserve and grow your wealth while enjoying the vibrant lifestyle that Hawaii County offers.
Tailored Financial Solutions for Hawaii County
Our services are tailored to meet the unique challenges and opportunities present in Hawaii County. From wealth management to optimized tax and estate planning strategies, our personalized solutions align with your priorities, goals, and values. As an experienced attorney and fiduciary, Amy is uniquely positioned to guide you and your family through sensitive yet necessary discussions, empowering you to confidently build your ideal personal legacy.
Comprehensive Services for Diverse Needs
- Estate Planning: Collaborating with your team of professionals, we ensure your estate plan reflects your current wishes and integrates seamlessly with your financial plan.
- Wealth Management: Our investment recommendations are based on conservative financial planning, ensuring your portfolio aligns with your goals and values.
- 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 integration with existing finances ensure lasting prosperity from cash flow surges.
- Lottery Planning: Transform newfound wealth into a lasting legacy with our expert guidance.
- Tax Planning: We provide a clear, quantified picture of optimal strategies, working closely with CPAs for proper implementation.
- Retirement Planning: Whether preparing for retirement or already retired, we offer experienced 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: Align your retirement account with your broader financial goals, avoiding common pitfalls.
- Divorce Financial Planning: Make informed decisions with our expert guidance, ensuring financial independence post-divorce.
- Personal Divorce Strategist: As your dedicated advocate, Amy combines her legal and financial expertise to protect your interests.
- Inheritance Planning: Navigate the complexities of estate administration with our support, ensuring a smooth transition.
Attracting High-Net-Worth Clients
Our firm specializes in managing portfolios over $1 million, attracting clients such as high-net-worth families, business owners, medical professionals, estate executors, high-earning professionals, corporate executives, founders, professional athletes, inheritors, retirees, divorcees, and lottery winners. We proudly serve clients nationwide, including those with multiple residences and extensive travel schedules, extending our expertise far beyond Hawaii County.
Connect with Us
While we introduce ourselves to Hawaii County, we represent clients globally. To learn more about how we can assist you in achieving your financial goals, please contact us:
Office Address (By Appointment Only):
820 Gessner Road
Houston, Texas 77024
Email: contact@attorneyamycfp.com
Phone: (512) 537-2221
Let us help you navigate the financial landscape of Hawaii County with confidence and clarity.
