Attorney Amy Zamikovsky, JD, CFP®, CPWA®: Wealth Management and Financial Planning in Kalawao County
Welcome to Kalawao County, a unique and historically rich area on the island of Molokai, Hawaii. Known for its breathtaking landscapes and deep cultural roots, Kalawao County offers a serene backdrop for those seeking thoughtful financial guidance. I am Amy Zamikovsky, JD, CFP®, CPWA®, and I am honored to introduce my wealth management and financial planning services to this remarkable community.
Our journey began with a commitment to providing personalized financial advisory services that cater to the distinct needs of our clients. At the heart of our practice is the belief in “Building Legacies for Generations,” a philosophy that resonates deeply with the values of Kalawao County’s close-knit communities. While we are based in Houston, Texas, our services extend nationwide, allowing us to support clients with multiple residences and those who travel extensively.
Kalawao County, with its proximity to the historic Kalaupapa Peninsula and the charming town of Kaunakakai, presents unique financial planning opportunities. We understand the importance of preserving wealth in a way that respects local traditions and values. As a fiduciary, I am legally and ethically obligated to act in your best interests, ensuring that your financial goals are met with integrity and care.
Our services are comprehensive and tailored to meet the diverse needs of our clients. Whether you’re navigating the complexities of estate planning, wealth management, or settlement planning, we are here to guide you every step of the way. Our approach is rooted in sound, conservative financial planning, ensuring that your investments align with your goals and values.
In addition to our core services, we offer specialized support for those experiencing significant life changes. Our divorce financial planning and personal divorce strategist services provide the expertise needed to make informed decisions during challenging times. We also offer windfall and lottery planning, helping you transform sudden financial gains into lasting legacies.
Tax planning is another cornerstone of our practice. We work closely with CPAs to develop strategies that optimize your tax situation, whether it involves estate taxes, gift taxes, or Roth conversions. Our goal is to provide a clear, quantified picture of the best path forward, letting the numbers guide our decisions.
As a CERTIFIED FINANCIAL PLANNER® professional and Certified Private Wealth Advisor® professional, I am dedicated to delivering the highest level of service. My involvement with organizations such as the Houston Association of Women Attorneys and the National Association of Personal Financial Advisors underscores my commitment to professional excellence and ethical standards.
In Kalawao County, where community and heritage are paramount, we strive to offer financial planning services that honor these values. We are grateful for the trust and opportunity to serve you, and we are committed to providing the personal attention and care that you deserve.
Our expertise extends beyond the borders of Kalawao County, allowing us to support clients across the globe. Whether you’re planning for retirement, optimizing your 401(k), or navigating the complexities of inheritance planning, we are here to help you achieve financial independence and peace of mind.
For those in Kalawao County and beyond, we invite you to explore how our services can support your financial journey. Contact us today to schedule an appointment and discover how we can help you build a legacy that lasts for generations.
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 Kalawao County with Attorney Amy Zamikovsky, JD, CFP®, CPWA®
Divorce Financial Planning
Navigating the financial complexities of divorce can be daunting, especially in a unique location like Kalawao County. Known for its rich history and cultural significance, Kalawao County is a place where community ties run deep. As you embark on this new chapter, it’s crucial to have a financial plan that respects both your personal history and future aspirations. At the heart of our approach is a deep understanding of your individual needs, coupled with the expertise of Attorney Amy Zamikovsky, JD, CFP®, CPWA®, who brings over 15 years of experience in wealth management and estate planning.
Fact-Finding
We start by getting to know you, the real you. Our process is designed to uncover every detail that impacts your financial future, ensuring that your divorce negotiations are informed and empowering. In Kalawao County, where the landscape is as diverse as its people, we recognize the importance of a tailored approach. We delve into your financial picture with precision, offering clarity and confidence as you navigate this transition. Your customized financial plan will serve as a robust foundation for the future you deserve, rooted in the unique context of your life in Kalawao County.
Planning
Your new beginning starts here. We craft financial strategies that are as unique as the breathtaking views of Kalawao County. By identifying your short-term needs and aligning them with long-term goals, we aim to build a path toward financial independence. Our meticulous planning process illuminates the possibilities that lie ahead, ensuring that your financial strategy is as resilient as the community you call home.
Implementation
The real transformation begins when plans turn into action. We collaborate with you and your trusted legal and financial professionals to streamline your financial life. As your fiduciary, we ensure that every recommendation is in your best interest, reflecting the integrity and commitment that define Kalawao County’s community spirit. Our strategies are not just about numbers; they are about empowering you to embrace your future with confidence.
Introducing Amy Zamikovsky, JD, CFP®, CPWA® to Kalawao County
Amy Zamikovsky, JD, CFP®, CPWA®, is a Senior Financial Advisor at Transform Wealth, with a rich background in both law and finance. Her 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 expertise was further honed at Merrill Lynch, where she earned her CERTIFIED FINANCIAL PLANNER® designation, and later, her Certified Private Wealth Advisor® designation through the Yale School of Management. As a licensed attorney in Texas, Amy leverages her legal acumen to create customized financial strategies that effectively build, preserve, and transfer wealth.
While Amy is not currently practicing law in Kalawao County, her services extend globally, including to clients in this unique region. Her passion for educating and financially protecting the public is evident in her development and teaching of a State Bar of Texas CLE course focused on ethics, fiduciary duty, and legal settlement planning.
Our Commitment to Kalawao County
Though our office is based in Houston, Texas, we are committed to serving clients worldwide, including those in Kalawao County. We understand the distinct cultural and historical context of this area and are dedicated to providing financial planning services that honor its unique character. Our approach is not just about managing wealth; it’s about fostering a relationship built on trust and understanding, ensuring that your financial journey is as enriching as the community you belong to.
For inquiries or to schedule an appointment, please contact us:
Office Address
BY APPOINTMENT ONLY
820 Gessner Road
Houston, Texas 77024
Email: contact@attorneyamycfp.com
Phone: (512) 537-2221
In Kalawao County, where the past and present intertwine, let us help you navigate your financial future with the expertise and care you deserve.
Kalawao County Lottery Winners: Secure Your Dreams with Strategic Wealth Management from Attorney Amy Zamikovsky, JD, CFP®, CPWA®
Congratulations, Kalawao County lottery winners! You’ve just unlocked a world of possibilities with your incredible win. As you stand on the brink of a life transformed, it’s essential to make informed decisions that will safeguard your financial future for generations to come. I’m Amy Zamikovsky, a CERTIFIED FINANCIAL PLANNER® professional and Certified Private Wealth Advisor® professional, with over 15 years of experience in guiding high-net-worth individuals through the complexities of newfound wealth. I’m here to help you navigate this exhilarating yet overwhelming journey with confidence and clarity.
Preserve Your Winnings
In the lush and serene setting of Kalawao County, known for its rich history and unique cultural tapestry, protecting your newfound wealth is crucial. Without the right legal frameworks and financial strategies, your millions could be at risk from taxes, lawsuits, scams, and mismanagement. As your trusted advisor, I will assist you in:
- Crafting a trust and estate plan tailored to protect your assets and minimize tax liabilities
- Assembling a team of trusted attorneys, CPAs, and bankers
- Ensuring your privacy and security are maintained
- Managing incoming requests for donations and investments
Plan for a Lifetime of Wealth
Your jackpot doesn’t have to be a fleeting windfall; with strategic planning, it can be the foundation for enduring wealth. Drawing on my extensive experience as a CFP® professional and CPWA® professional, I’ll design 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 close to your heart, I am delighted to guide you in transforming one-time gifts into lasting charitable endeavors. With tools like donor-advised funds and family foundations, you can create a giving legacy that reflects your values and inspires your family for generations.
Enjoy Your Winnings
Now is the time to indulge in the dreams you’ve always cherished. Whether it’s a dream home nestled in the scenic landscapes of Kalawao County, a world tour, a college fund, or that sports car you’ve always desired, I’ll show you how to allocate funds wisely. With a balanced approach, you can enjoy the fruits of your blessings while ensuring long-term financial health.
Why Trust Amy Zamikovsky?
Winning the lottery catapults you into the intricate world of sudden wealth, where a single misstep could cost you millions. You need a financial strategist who understands the unique challenges of managing an overnight fortune and has a proven track record 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 transform sudden windfalls into lasting wealth. My legal background enables me to devise 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 cut through the noise, educate you on your options, and always prioritize your interests, allowing you to relax and enjoy your spectacular windfall with complete peace of mind.
Your Best Day Ever Could Be Today
If you’re holding a golden ticket, don’t delay in planning 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 introduction to Kalawao County. Remember, we are introducing ourselves to this unique location, not implying that we’re located there or moving there, but that we represent clients globally, including those in Kalawao County.
Office Address
BY APPOINTMENT ONLY
820 Gessner Road
Houston, Texas 77024
Email: contact@attorneyamycfp.com
Phone: (512) 537-2221
Kalawao County Structured Attorney Fees: Why Deferral Costs Millions, Even After Taxes
You’ve just won a significant case and secured a $1 million contingency fee. A structured settlement broker might suggest 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 partner with a Certified Financial Planner® (CFP®) 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 $370,000 tax bill if taken as a lump sum. It’s a hefty amount, 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 it! And the benefits only increase over time. 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 lucrative investment or unexpected expense? You can tap into 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
- Capitalize on the lower long-term capital gains rate
A skilled CFP® professional, especially a Certified Private Wealth Advisor® (CPWA®) professional, can help you devise a far more tax-smart approach than the blunt deferral method.
The Hidden Fees
Another pitfall of deferral is 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 CFP® 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’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 introducing ourselves to Kalawao County, not implying that we’re located there or moving there, only that we represent clients around the world, including but not limited to Kalawao County.
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 Kalawao County! We’re Here for You!
Welcome to Kalawao County, a place steeped in history and natural beauty, nestled on the island of Molokai in Hawaii. Known for its serene landscapes and rich cultural heritage, Kalawao County offers a unique backdrop for those seeking comprehensive financial planning and wealth management services. At the heart of our offerings is the expertise of Amy Zamikovsky, JD, CFP®, CPWA®, a seasoned financial advisor with a profound understanding of the intricacies involved in managing substantial portfolios.
Tailored Financial Planning for Kalawao County
In Kalawao County, where the spirit of community and tradition runs deep, we understand the importance of aligning financial strategies with personal values and goals. Our focus is on providing tax-planned financial planning and wealth management, which we believe surpasses the financial benefits of structured settlements. Numbers are our guide, and the math is indisputable. By leveraging Amy’s extensive experience, we craft customized wealth strategies that integrate legal expertise with financial acumen, ensuring your wealth is preserved and grown effectively.
Expertise in High-Net-Worth Portfolio Management
Our services are particularly suited for individuals and families with portfolios exceeding $1 million. We adopt a holistic approach, helping clients in Kalawao County and beyond to safeguard and expand their wealth while enjoying life’s journey. From wealth management to optimized tax and estate planning strategies, our personalized solutions are designed to reflect your priorities, goals, and values.
Navigating Sensitive Financial Discussions
As an experienced attorney and fiduciary, Amy Zamikovsky is uniquely positioned to guide you and your family through sensitive yet essential financial discussions. Our customized strategies empower you to confidently build your ideal personal legacy, ensuring that your financial future is secure and aligned with your aspirations.
Comprehensive Wealth Management Services
Our wealth management services are grounded in sound, conservative financial planning. Every investment recommendation is carefully considered to ensure it aligns with your goals and values. We work closely with your team of professionals, from attorneys to CPAs, to ensure your estate plan is effective and reflects your current wishes.
Settlement and Windfall Planning
In Kalawao County, we recognize the importance of strategic planning for settlements and windfalls. Whether you’re dealing with a legal settlement or a sudden influx of wealth, our financial planning and traditional wealth management services are designed to provide superior financial outcomes. We let the math speak for itself, even after taxes, ensuring that your financial decisions are informed and beneficial.
Tax and Retirement Planning
Our tax planning services offer a clear, quantified picture of optimal strategies moving forward, whether it’s estate taxes, gift taxes, or Roth conversions. We collaborate with CPAs to ensure proper implementation, providing peace of mind as you plan for retirement. Whether you’re preparing for retirement or already enjoying it, we offer guidance through all stages of life, ensuring your financial security as you age gracefully.
Divorce Financial Planning and Personal Divorce Strategist Services
Divorce can be a challenging time, but with our expert guidance, you can make informed decisions that protect your financial future. As your Personal Divorce Strategist, Amy combines her expertise as both an attorney and Certified Financial Planner® professional to advocate for your best interests. From asset valuation to income planning, we provide a clear roadmap for financial independence and a respectful dissolution.
Inheritance and Exit Planning
In times of loss, we’re here to help you navigate the complexities of inheritance planning. We assist in assembling a team of reputable professionals to manage and administer estates effectively. Our exit planning services help you transform years of hard work into lasting prosperity, maximizing your business’s value and preserving your legacy.
Attracting High-Value Clients
Our firm specializes in serving high-net-worth families, business owners, medical professionals, and more. We cater to clients nationwide, including those in Kalawao County, who have multiple residences and travel extensively. Our expertise extends far beyond local boundaries, ensuring that your financial needs are met wherever you are.
Contact Us
We’re proud to introduce our services to Kalawao County, offering a wealth of knowledge and experience to clients around the world. For personalized financial planning and wealth management services, contact us by appointment at our Houston office:
Office Address: 820 Gessner Road
Houston, Texas 77024
Email: contact@attorneyamycfp.com
Phone: (512) 537-2221
Let us help you build and sustain generational wealth, ensuring a prosperous future for you and your loved ones.
