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

Aloha, Maui County! I am thrilled to introduce myself, Amy Zamikovsky, JD, CFP®, CPWA®, to this vibrant community. With over 15 years of experience in wealth management, estate planning, and financial planning, I am committed to providing personalized financial advisory services that cater to your unique needs. As a CERTIFIED FINANCIAL PLANNER® professional and Certified Private Wealth Advisor® professional, I am dedicated to building legacies for generations.

Our journey began with a passion for empowering individuals and families to achieve financial security and prosperity. In Maui County, with its rich tapestry of cultures and breathtaking landscapes, from the bustling streets of Kahului to the serene beaches of Lahaina, we recognize the importance of understanding local market needs. Whether you’re in the charming town of Wailuku or the picturesque Hana, our services are designed to reflect the diverse and dynamic nature of this beautiful region.

We are proud to be affiliated with esteemed organizations such as the Houston Association of Women Attorneys, the Houston Estate and Financial Forum, and the Houston Bar Association’s Probate, Trusts & Estates & Litigation sections. As a member of NAPFA, The National Association of Personal Financial Advisors, I am committed to upholding the highest standards of fiduciary duty, ensuring that your best interests are always at the forefront of our financial planning services.

Our expertise extends nationwide, catering to clients with multiple residences and those who travel extensively. We understand that your financial journey is unique, and we are here to provide the extra horsepower needed, especially for clients navigating the complexities of divorce. Our financial planning and personal divorce strategist services are tailored to support you through every step of the process.

In Maui County, we offer a comprehensive suite of services, including estate planning, wealth management, and settlement planning. Our approach to financial planning is rooted in sound, conservative principles, ensuring that your investments align with your goals and values. We believe in the power of tax-planned financial planning and wealth management, as the numbers never lie. Our strategies are designed to maximize your financial benefits, even after taxes.

For those experiencing windfalls or lottery winnings, we provide strategic tax planning and retirement planning services to secure your future. Our tax planning services cover estate taxes, gift taxes, income taxes, capital gains taxes, and Roth conversions, offering a clear, quantified picture of optimal strategies moving forward.

Retirement planning is another cornerstone of our services. Whether you’re preparing for retirement or already enjoying your golden years, we are honored to guide you through all stages of life. Our exit planning services help you transform years of hard work into a lasting legacy, while our 401(k) optimization services ensure your retirement accounts align with your broader financial goals.

In times of loss, our inheritance planning services offer compassionate support, helping you navigate the complexities of estate administration. We are here to assemble a team of reputable professionals to manage your estate effectively, no matter the jurisdiction.

At our firm, we specialize in portfolios exceeding $1 million, providing tailored financial strategies that reflect your aspirations. While we are based in Houston, Texas, we are excited to extend our services to the residents of Maui County, embracing the opportunity to contribute to your financial success.

For appointments, please contact us at our Houston office. We look forward to building a lasting relationship with you, Maui County, and helping you achieve your financial dreams.

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 Maui County with Attorney Amy Zamikovsky, JD, CFP®, CPWA®

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

Aloha, Maui County! We are thrilled to introduce you to Amy Zamikovsky, JD, CFP®, CPWA®, a seasoned Senior Financial Advisor at Transform Wealth. With over 15 years of experience in wealth management, estate planning, and financial planning, Amy is committed to helping individuals navigate the complexities of financial transitions, especially during and after divorce. While Amy is a licensed attorney in Texas, her expertise in financial planning extends to clients worldwide, including those in the beautiful and culturally rich Maui County.

The Importance of Tax-Planned Financial Planning

In Maui County, where the cost of living can be as high as the peaks of Haleakalā, strategic financial planning is crucial. Amy emphasizes the benefits of tax-planned financial strategies over structured settlements. By focusing on the numbers, we ensure that your financial future is built on a solid foundation. The math doesn’t lie, and with Amy’s guidance, you can make informed decisions that maximize your wealth and minimize your tax liabilities.

Divorce Financial Planning: Tailored for Maui County

Divorce can be as tumultuous as the waves of the Pacific, but with the right financial planning, you can navigate these waters with confidence. Amy Zamikovsky understands the emotional and financial challenges of divorce, having worked with numerous clients in similar situations. Her approach is empathetic and thorough, ensuring that every aspect of your financial future is considered.

Fact-Finding

In the lush landscapes of Maui County, we take the time to understand the real you. Our fact-finding process is designed to provide clarity and confidence during your divorce negotiations. By examining every detail of your financial picture, we create a customized plan that lays a strong foundation for your future. Whether you’re in Wailuku or Hana, our approach is as personalized as the island’s diverse communities.

Planning

Your new chapter begins here. We craft financial strategies that are as unique as the island’s diverse ecosystems. By identifying your short-term needs and long-term goals, we help you build financial independence. Our meticulous planning process illuminates the possibilities in your new phase of life, ensuring that you can enjoy the serenity of Maui County without financial stress.

Implementation

Turning plans into action is where transformation truly begins. 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, allowing you to focus on enjoying the natural beauty and cultural richness of Maui County.

Connecting with Us

While our office is located in Houston, Texas, we proudly serve clients around the world, including those in Maui County. We are here to support you through your financial journey, offering expertise and guidance tailored to your unique needs.

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

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

We look forward to helping you achieve financial clarity and confidence, no matter where you are in the world.

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

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

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

Email: contact@attorneyamycfp.com

Phone: (512) 537-2221

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

Imagine this: You’ve just won a landmark case in Maui County, securing a $1 million contingency fee. The structured settlement broker suggests deferring your fee into a “tax-advantaged” annuity. It sounds appealing, especially with the lush landscapes of Maui as your backdrop, but is it truly the wisest 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 scenario: 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. It stings, 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! And the benefits only grow over time. Over 30 years at 8%, the lump sum balloons 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 tap 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 craft 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’re interested in 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 just introducing ourselves to Maui County, not implying that we’re located there or moving there, only that we represent clients around the world, including but not limited to Maui County.

Office Address

BY APPOINTMENT ONLY
820 Gessner Road
Houston, Texas 77024

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

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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 Maui County! We’re Here for You!

Welcome to the enchanting landscapes of Maui County, where the vibrant culture and breathtaking scenery create a unique backdrop for financial prosperity. As a Senior Financial Advisor with over 15 years of experience, I, Amy Zamikovsky, JD, CFP®, CPWA®, am thrilled to extend my expertise in wealth management and financial planning to this remarkable community. Whether you’re a resident or a frequent visitor, our services are tailored to meet the distinctive needs of Maui County’s diverse clientele.

Embracing the Spirit of Maui County

Maui County, renowned for its lush landscapes and rich cultural heritage, offers a unique environment for financial growth and legacy building. Here, the spirit of ‘ohana (family) and aloha (love) guides our approach to wealth management, ensuring that your financial strategies align with your personal values and community ties. Our commitment to preserving and enhancing your wealth is as steadfast as the majestic Haleakalā that watches over this island paradise.

The Power of Tax-Planned Financial Planning

In Maui County, where the cost of living can be as high as the waves at Ho’okipa Beach, strategic financial planning is essential. We emphasize the importance of tax-planned financial strategies, which often surpass the benefits of structured settlements. By focusing on the numbers, we ensure that your wealth is not only preserved but also optimized for growth. Our approach is rooted in the belief that the math never lies, and our goal is to empower you with financial clarity and confidence.

Customized Wealth Strategies for High-Net-Worth Individuals

Our specialization in portfolios exceeding $1 million allows us to cater to the unique challenges and opportunities faced by high-net-worth individuals in Maui County. Whether you’re a business owner, medical professional, or retiree, our holistic approach integrates wealth management with optimized tax and estate planning strategies. We work closely with your team of professionals to ensure that your financial plan reflects your current wishes and supports your long-term goals.

Estate Planning with Local Expertise

In a place where land and legacy are deeply intertwined, effective estate planning is crucial. We collaborate with attorneys, trustees, and CPAs to ensure that your estate plan is not only legally sound but also culturally sensitive. Our goal is to help you preserve your legacy for future generations, honoring the traditions and values that make Maui County so special.

Comprehensive Wealth Management Services

From windfall and lottery planning to retirement and exit strategies, our comprehensive services are designed to support you through every stage of life. We understand the unique financial landscape of Maui County and are committed to providing personalized solutions that align with your priorities. Our expertise extends beyond the shores of this island, allowing us to serve clients nationwide who have multiple residences and travel extensively.

Divorce Financial Planning and Personal Divorce Strategist Services

Navigating the complexities of divorce requires a delicate balance of empathy and expertise. As your Personal Divorce Strategist, I combine my legal background with my Certified Financial Planner® professional designation to protect your best interests. Our divorce financial planning services provide objective guidance, helping you make informed decisions that pave the way for financial independence and a new chapter in your life.

Inheritance Planning with Compassion

We understand that dealing with the loss of a loved one is never easy. Our inheritance planning services are designed to provide support and guidance during this difficult time. We help you assemble a team of reputable professionals to effectively manage and administer the estate, ensuring that your loved one’s legacy is honored and preserved.

Our Commitment to Maui County

While our office is based in Houston, Texas, our commitment to serving clients in Maui County and beyond remains unwavering. We are proud to offer our expertise to those who call this beautiful island home, as well as to those who are fortunate enough to visit its shores. Our personalized approach ensures that your financial strategies are as unique as the island itself, reflecting the vibrant culture and natural beauty of Maui County.

For more information or to schedule an appointment, please contact us at (512) 537-2221 or email contact@attorneyamycfp.com. We look forward to helping you achieve your financial goals and build a lasting legacy in Maui County.