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

Aloha, Honolulu County! I am Amy Zamikovsky, JD, CFP®, CPWA®, and I am thrilled to introduce my wealth management and financial planning services to this vibrant community. With over 15 years of experience, I am dedicated to helping individuals and families in Honolulu County build legacies for generations. As a CERTIFIED FINANCIAL PLANNER® professional and Certified Private Wealth Advisor® professional, I bring a wealth of knowledge and expertise to the table, ensuring that your financial future is secure and prosperous.

Honolulu County, encompassing the bustling city of Honolulu and the serene towns of Kailua, Kaneohe, and Waipahu, is a unique blend of urban sophistication and natural beauty. This region is not only a paradise for tourists but also a thriving hub for residents who value community, culture, and tradition. I understand the local market needs and am committed to providing personalized financial advisory services that align with your goals and values.

Our founding story is rooted in a passion for empowering clients through education and strategic planning. 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 National Association of Personal Financial Advisors (NAPFA). These affiliations reflect my commitment to maintaining the highest standards of professionalism and ethics in all my interactions.

As a fiduciary, I have a legal and ethical obligation to act in your best interests, managing your wealth with the utmost care and diligence. Whether you are navigating the complexities of estate planning, wealth management, or tax planning, I am here to guide you every step of the way. My services extend nationwide, catering to clients with multiple residences and those who travel extensively, ensuring that your financial strategies are as dynamic as your lifestyle.

In Honolulu County, I recognize the importance of tax-planned financial planning and wealth management. By focusing on the numbers, we can make informed decisions that optimize your financial outcomes. My expertise in divorce financial planning and personal divorce strategist services provides an added layer of support for clients undergoing significant life transitions. I am dedicated to helping you make objective, informed decisions that protect your interests and pave the way for a secure future.

Estate planning is a cornerstone of my practice, and I work closely with your team of professionals to ensure that your estate plan reflects your current wishes and integrates seamlessly with your financial plan. In wealth management, every investment recommendation is grounded in sound, conservative financial planning, ensuring that your portfolio aligns with your goals and values.

For those experiencing windfalls or lottery winnings, I offer strategic planning to transform your newfound wealth into a lasting legacy. My tax planning services provide a clear, quantified picture of optimal strategies, working hand in hand with CPAs to ensure proper implementation.

Retirement planning is another area where I excel, offering guidance whether you are preparing for retirement or already enjoying your golden years. My exit planning services help you maximize your business’s value, minimize taxes, and preserve your legacy.

401(k) optimization is crucial for making the most of your employment-sponsored retirement account. As a fiduciary CFP® professional, I provide comprehensive advice on your entire financial picture, ensuring that your 401(k) holdings align with your broader financial goals.

In times of loss, my inheritance planning services offer compassionate support, helping you navigate the complexities of estate administration and management. No matter the jurisdiction, I am here to assist you in moving forward with confidence.

At my firm, we specialize in portfolios exceeding $1 million, offering tailored solutions that meet the unique needs of high-net-worth individuals. While I am based in Houston, Texas, my services are available by appointment only, and I am always just a phone call or email away.

Thank you, Honolulu County, for the opportunity to serve you. I am honored to be a part of your financial journey and look forward to building lasting relationships based on trust, integrity, and mutual respect. Mahalo for welcoming me into your community.

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

Navigating the complexities of divorce can be challenging, especially in a culturally rich and diverse location like Honolulu County. Here, where the Pacific Ocean meets the vibrant spirit of the Hawaiian Islands, the importance of tailored financial planning cannot be overstated. Attorney Amy Zamikovsky, JD, CFP®, CPWA®, brings over 15 years of expertise in wealth management, estate planning, and financial planning to assist individuals in Honolulu County through these transitions. Her approach is deeply rooted in understanding the unique cultural and financial landscapes of her clients.

Divorce Financial Planning

We understand your concerns. We don’t just work with clients like you – we’ve been there. In Honolulu County, where the cost of living is notably high, and the local economy is intricately tied to tourism and military presence, financial planning during a divorce requires a nuanced understanding of both local and broader economic factors. Amy Zamikovsky’s experience ensures that every financial decision is informed by a deep understanding of these dynamics.

Fact-Finding

We take the time to get to know you – the real you. Our process begins with a comprehensive fact-finding mission, where we delve into every aspect of your financial life. This is particularly crucial in Honolulu County, where property values can vary significantly, and understanding the local real estate market is key. Our thorough yet compassionate approach focuses on every detail impacting your financial future, providing clarity and confidence during the financial negotiations of your divorce. Your customized financial plan will provide a strong foundation for building the future you deserve.

Planning

The next chapter of your life starts here. In a place as unique as Honolulu County, planning for the future involves considering both immediate needs and long-term goals. We craft customized financial strategies tailored to your unique goals, both current and future. Whether it’s planning for education costs at the University of Hawaii or managing investments in a fluctuating market, our meticulous planning process sheds light on all that is possible in your new phase of life.

Implementation

Turning plans into action is how real transformation begins. We collaborate with you and all of your trusted legal and financial professionals to streamline your financial life and put our financial strategies into motion. As your fiduciary, we ensure that every personalized recommendation is truly in your best interest. In Honolulu County, where community ties are strong and family is central, our approach respects and integrates these values into your financial planning.

Introducing Amy Zamikovsky, JD, CFP®, CPWA® to Honolulu County

Amy Zamikovsky, JD, CFP®, CPWA®, is a Senior Financial Advisor at Transform Wealth, with a robust background in law and finance. Holding a B.S. in Biology from Southeastern Louisiana University and a J.D. from the University of Houston Law Center, Amy has honed her skills at prestigious institutions like Merrill Lynch and the Yale School of Management. Her credentials as a CERTIFIED FINANCIAL PLANNER® professional and Certified Private Wealth Advisor® professional underscore her commitment to excellence.

While Amy is a licensed attorney in Texas, her financial advisory services extend globally, including to clients in Honolulu County. Her passion for educating and financially protecting the public is evident in her development of a State Bar of Texas CLE course, focusing on ethics, fiduciary duty, and legal settlement planning.

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

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

Aloha, Honolulu County! Congratulations on your extraordinary fortune. Winning the lottery is a life-altering event, and while the excitement is palpable, it also brings a host of decisions that will shape your financial future. As a CERTIFIED FINANCIAL PLANNER® professional and Certified Private Wealth Advisor® professional with over 15 years of experience, I, Amy Zamikovsky, am here to guide you through this exhilarating journey with expertise and assurance.

Preserve Your Winnings

In the vibrant and culturally rich setting of Honolulu County, safeguarding your newfound wealth is crucial. The islands are known for their unique blend of traditional Hawaiian culture and modern influences, and just like the careful preservation of this cultural heritage, your financial assets require meticulous protection. 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 help you:

  • Develop a comprehensive trust and estate plan to shield your assets and minimize tax liabilities
  • Assemble a team of vetted attorneys, CPAs, and bankers who understand the nuances of local and federal regulations
  • Maintain your privacy and security in a community where news travels fast
  • Manage incoming donation and investment requests with discernment

Plan for a Lifetime of Wealth

Your jackpot can be more than just a fleeting windfall; with strategic planning, it can become the foundation for enduring prosperity. Drawing on my extensive experience as a CFP® professional and CPWA® professional, I will craft a personalized wealth management plan to help you:

  • Define your short and long-term lifestyle and legacy goals, reflecting the values and traditions of Honolulu County
  • Invest for optimal growth, income, and capital preservation, considering both local and global opportunities
  • Maximize tax efficiency through strategic accounts and asset allocation, tailored to Hawaii’s unique tax landscape
  • Secure your retirement with income-generating investments that ensure peace of mind
  • Establish trusts and gifts for future generations, honoring the Hawaiian spirit of ‘ohana (family)

Give with Confidence

If philanthropy is a priority, I am delighted to guide you in transforming one-time gifts into lasting charitable vehicles. With tools like donor-advised funds and family foundations, you can create a giving legacy that resonates with the aloha spirit and inspires your family for generations to come.

Enjoy Your Winnings

Now is the time to reward yourself and your loved ones! Whether it’s a dream home overlooking the Pacific, a journey to explore the world, or a college fund for your keiki (children), I’ll show you how to prudently earmark funds for these aspirations. 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?

Navigating the complexities of sudden wealth requires a seasoned financial quarterback. As a CFP® professional and CPWA® professional with over 15 years of experience, I have helped countless individuals and families transform windfalls into lasting wealth. My background as an attorney allows me to craft robust 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.

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

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

Aloha, esteemed colleagues and clients in Honolulu County! Imagine you’ve just triumphed in a major legal battle, securing a $1 million contingency fee. A structured settlement broker might suggest 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. Here’s 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’s a hefty $370,000 tax bill if taken as a lump sum. Painful, yes, 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 could end up with $1-1.9 million more by taking the lump sum and investing it! And the long-term benefits are even more pronounced. Over 30 years at 8%, the lump sum grows to $6.4 million after tax, compared to just $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 promising investment or 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 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 design a far more tax-smart approach than the blunt deferral method.

The Hidden Fees

Here’s another deferral pitfall: 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 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 can help you maximize your hard-earned wealth, whether you’re in the vibrant heart of Honolulu or anywhere else in the world.

Contact Information

While we are not physically located in Honolulu County, we proudly represent clients globally, including those in your beautiful region. For a consultation:

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 financial advisors. We look forward to assisting you in making informed, strategic financial decisions.

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

Welcome to the vibrant and culturally rich Honolulu County, where the stunning landscapes of Oahu meet the dynamic energy of its people. As a Senior Financial Advisor, I, Amy Zamikovsky, JD, CFP®, CPWA®, am thrilled to introduce our comprehensive wealth management and financial planning services tailored specifically for the unique needs of this remarkable locale.

Embracing the Spirit of Honolulu County

Honolulu County, encompassing the island of Oahu, is not just a paradise of beaches and sunshine; it’s a thriving hub of diverse cultures and traditions. From the historic landmarks of Pearl Harbor to the bustling streets of Honolulu, the county offers a blend of modernity and heritage that shapes the financial landscape. Our services are designed to resonate with the local ethos, ensuring that your financial strategies align with both your personal goals and the cultural richness of the area.

The Power of Tax-Planned Financial Planning

In Honolulu County, where the cost of living can be as breathtaking as the views, the importance of strategic financial planning cannot be overstated. Our focus on tax-planned financial planning and wealth management provides a superior alternative to structured settlements. By leveraging numbers and data, we empower you to make informed decisions that maximize your financial potential. The math is clear: strategic planning leads to greater financial security and growth.

Customized Wealth Strategies for High-Net-Worth Portfolios

Our expertise shines brightest when serving clients with portfolios exceeding $1 million. We offer a holistic approach that not only preserves and grows your wealth but also enhances your quality of life. From wealth management to optimized tax and estate planning strategies, our personalized solutions are crafted to align with your priorities, goals, and values. We understand the unique challenges and opportunities that come with managing substantial assets in Honolulu County.

Guiding You Through Sensitive Financial Discussions

As an experienced attorney and fiduciary, I am uniquely positioned to guide you and your family through the sensitive yet necessary discussions surrounding wealth management. Our customized financial strategies empower you to confidently build your ideal personal legacy, ensuring that your financial future is as secure as the foundations of Diamond Head.

Nationwide Expertise with a Local Touch

While our expertise extends nationwide, we are particularly attuned to the needs of clients in Honolulu County. Whether you’re a high-net-worth family, a business owner, or a medical professional, our services are designed to meet your specific needs. We are proud to serve clients with multiple residences and those who travel extensively, ensuring that our expertise is as expansive as your horizons.

Specialized Services for Divorce Clients

Divorce can be a challenging time, but with our specialized financial planning and personal divorce strategist services, you can navigate this transition with confidence. We provide expert guidance to help you make objective, informed decisions, ensuring that your financial independence is secure as you embark on your next chapter.

Comprehensive Financial Services

Our suite of services includes estate planning, wealth management, settlement planning, windfall planning, lottery planning, tax planning, retirement planning, exit planning, 401(k) optimization, divorce financial planning, and inheritance planning. Each service is tailored to meet the unique needs of our clients in Honolulu County, providing a clear roadmap for financial success.

Protecting and Maintaining Generational Wealth

In Honolulu County, where family and community are paramount, protecting and maintaining generational wealth is a priority. Our financial planning expertise ensures that your legacy is preserved for future generations, allowing you to contribute to the vibrant tapestry of this community.

Contact Us

We invite you to reach out and discover how our wealth management and financial planning services can benefit you. While our office is located in Houston, Texas, we are available by appointment to serve clients in Honolulu County and beyond. Connect with us via email at contact@attorneyamycfp.com or call us at (512) 537-2221.

Embrace the future with confidence, knowing that your financial well-being is in expert hands. Together, we can build a legacy that reflects the beauty and spirit of Honolulu County.