Attorney Amy Zamikovsky, JD, CFP®, CPWA®: Wealth Management and Financial Planning in the City of Beasley

Welcome to the City of Beasley, a charming locale nestled in the heart of Texas, where the warmth of Southern hospitality meets the vibrant energy of a growing community. As we introduce ourselves to this wonderful city, we are thrilled to present Amy Zamikovsky, JD, CFP®, CPWA®, a seasoned Senior Financial Advisor with a passion for building legacies for generations. With over 15 years of experience in wealth management, estate planning, and financial planning, Amy is dedicated to serving the unique financial needs of Beasley and its surrounding areas.

Amy’s 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 path led her to earn the prestigious CERTIFIED FINANCIAL PLANNER® and Certified Private Wealth Advisor® designations, equipping her with the expertise to craft personalized financial strategies that cater to the diverse needs of her clients. Although Amy is not currently practicing law, her legal background enriches her approach to financial advisory services, ensuring that every decision is made with the utmost care and fiduciary responsibility.

In the City of Beasley, where community ties run deep and traditions are cherished, Amy understands the importance of addressing local market needs with sensitivity and respect. Her commitment to providing personal attention and care to each client is unwavering, as she values the trust and opportunity given to her by those she serves. Whether you’re a resident of Beasley or nearby towns like Rosenberg and Richmond, Amy’s financial planning services are designed to help you achieve your goals and secure your financial future.

Our firm is 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, Amy is committed to upholding the highest standards of ethical and fiduciary duty, always acting in the best interests of her clients.

Amy’s expertise extends far beyond the borders of Beasley, as she serves clients nationwide who have multiple residences and travel extensively. Her comprehensive financial advisory services include estate planning, wealth management, settlement planning, and more. Each service is tailored to meet the specific needs of her clients, with a focus on tax-planned financial planning and wealth management, which often prove superior to structured settlements. As Amy likes to say, “The math decides,” and she is dedicated to letting the numbers guide her clients toward optimal financial outcomes.

In addition to her core services, Amy offers specialized support for clients navigating divorce, providing both Financial Planning and Personal Divorce Strategist services. Her role as a Personal Divorce Strategist combines her legal acumen and financial expertise to protect her clients’ best interests, ensuring they make informed decisions based on facts rather than emotions.

For those experiencing a windfall or lottery win, Amy’s strategic planning services help transform newfound wealth into a lasting legacy. Her tax planning expertise covers everything from estate taxes to Roth conversions, providing a clear, quantified picture of the best strategies moving forward. Retirement planning, exit planning, and 401(k) optimization are also key components of her offerings, ensuring that clients are well-prepared for every stage of life.

Inheritance planning is another area where Amy excels, offering compassionate guidance to those dealing with the complexities of estate administration. No matter the jurisdiction, Amy and her team are equipped to provide the support needed to navigate these challenging times.

While our office is located in Houston, Texas, we are proud to represent clients from all over, including the City of Beasley. We invite you to reach out and discover how Amy Zamikovsky, JD, CFP®, CPWA®, can help you build a legacy that lasts for generations. Please contact us by appointment at 820 Gessner Road, Houston, Texas 77024, or via email at contact@attorneyamycfp.com. You can also reach us by phone at (512) 537-2221. We look forward to the opportunity to serve you and your financial needs with the utmost dedication and care.

Pre-and-Post Divorce Financial Planning in the City of Beasley with Attorney Amy Zamikovsky, JD, CFP®, CPWA®

Navigating the financial complexities of divorce can be daunting, especially in the City of Beasley, a charming locale nestled in Fort Bend County, Texas. Known for its small-town warmth and rich Texan heritage, Beasley offers a unique backdrop for those seeking clarity and stability during life’s transitions. Here, amidst the serene landscapes and close-knit community, Attorney Amy Zamikovsky, JD, CFP®, CPWA®, extends her expertise in pre-and-post-divorce financial planning, offering tailored solutions that resonate with the local culture and values.

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. Amy’s professional path led her to earn the prestigious CERTIFIED FINANCIAL PLANNER® and Certified Private Wealth Advisor® designations, equipping her with the skills to craft sophisticated financial strategies. As a licensed Texas Attorney, she leverages her legal acumen to guide clients through the intricacies of financial planning, particularly during the challenging phases of divorce.

Divorce Financial Planning

In Beasley, where community ties run deep, we understand the profound impact divorce can have on your financial and emotional well-being. Our approach is rooted in empathy and expertise, ensuring that you feel supported every step of the way. We emphasize the importance of tax-planned financial planning and wealth management, which often surpass the benefits of structured settlements. The numbers speak for themselves, and our goal is to provide you with a financial roadmap that reflects your unique circumstances and aspirations.

Fact-Finding

Our journey together begins with understanding you—your values, goals, and financial landscape. In Beasley, where personal connections matter, we prioritize building a relationship based on trust and transparency. Our comprehensive fact-finding process delves into every aspect of your financial life, offering clarity and confidence as you navigate the financial negotiations of your divorce. We are committed to crafting a customized financial plan that serves as a robust foundation for your future.

Planning

As you embark on the next chapter of your life, our planning process is designed to illuminate the possibilities that lie ahead. We work collaboratively to identify your immediate needs while laying the groundwork for long-term financial independence. In Beasley, where the future is shaped by both tradition and innovation, our meticulous planning ensures that your financial strategies align with your evolving goals.

Implementation

The transformation begins when plans are put into action. We work closely with you and your trusted legal and financial professionals to streamline your financial life. As your fiduciary, we are dedicated to ensuring that every recommendation is made with your best interests at heart. In the City of Beasley, where community support is a cornerstone, we are here to guide you through this transformative journey.

Our Commitment to Beasley

While our office is located in Houston, Texas, we proudly serve clients in Beasley and beyond. Our commitment is to provide exceptional financial planning services that resonate with the unique needs of this vibrant community. We are not just introducing ourselves to Beasley; we are extending our expertise to those who seek guidance during life’s pivotal moments.

For personalized financial planning and wealth management services, contact us by appointment at:

Office Address: 820 Gessner Road
Houston, Texas 77024

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

In the heart of Beasley, where tradition meets progress, we are here to support you in building a secure and prosperous future.

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

Congratulations, City of Beasley 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 the whirlwind 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 an attorney with over 15 years of experience guiding high-net-worth individuals, I’m here to help you navigate this thrilling 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 vulnerable to 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 introduction to the City of Beasley. Remember, we are just introducing ourselves to the City of Beasley, not implying that we’re located there or moving there, only that we represent clients around the world, including but not limited to the City of Beasley.

Office Address

BY APPOINTMENT ONLY
820 Gessner Road
Houston, Texas 77024

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

City of Beasley Structured Attorney Fees: Why Deferral Costs Millions, Even After Taxes

You’ve just won a major case in the City of Beasley, securing a $1 million contingency fee. The structured settlement broker suggests deferring your fee into a “tax-advantaged” annuity. It sounds appealing, but is it truly the best financial move? For most attorneys, even those in the highest tax bracket, the answer is a resounding no. Here’s why savvy trial lawyers collaborate with a Certified Financial Planner® (CFP®) to analyze the numbers before making a decision.

The True Cost of Deferral

Imagine 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 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” that structured settlement companies promote? With strategic planning, you can significantly outperform deferral after tax:

  • Max out 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 CFP®, especially a Certified Private Wealth Advisor® (CPWA®), 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 CFP® 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 in the City of Beasley and would 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 just introducing ourselves to the City of Beasley, not implying that we’re located there or moving there, only that we represent clients around the world, including but not limited to the City of Beasley.

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 the City of Beasley! We’re Here for You!

Welcome to the City of Beasley, a charming locale nestled in the heart of Texas, where the spirit of community and tradition thrives. As we introduce our wealth management and financial planning services to this vibrant city, we bring with us a commitment to excellence and a deep understanding of the unique financial landscape that Beasley offers.

The Importance of Tax-Planned Financial Planning

In the City of Beasley, where the local economy is as diverse as its culture, the importance of strategic financial planning cannot be overstated. We emphasize the superiority of tax-planned financial strategies over structured settlements. The numbers tell the story—math is our guiding principle. By focusing on tax efficiency, we help you maximize your wealth, ensuring that every dollar works harder for you.

Our Expertise: Where Legal Acumen Meets Customized Wealth Strategies

Amy Zamikovsky, JD, CFP®, CPWA®, brings over 15 years of experience in wealth management, estate planning, and financial planning. Her legal background, combined with her financial expertise, allows her to craft personalized strategies that align with your goals and values. Our services are tailored for portfolios exceeding $1 million, addressing the unique challenges and opportunities that come with substantial wealth.

Comprehensive Financial Services for Beasley Residents

Our holistic approach encompasses a wide range of services designed to preserve and grow your wealth:

  • Estate Planning: Collaborating with your team of professionals, we ensure your estate plan reflects your wishes and integrates seamlessly with your financial plan.

  • Wealth Management: Our investment recommendations are grounded in conservative financial planning, ensuring your portfolio aligns with your values and objectives.

  • Settlement Planning: We demonstrate how traditional financial planning often outperforms structured settlements, even after taxes.

  • Windfall and Lottery Planning: Whether you’ve experienced a financial windfall or won the lottery, we provide strategic planning to secure your newfound wealth and transform it into a lasting legacy.

  • Tax Planning: From estate to income taxes, our strategies provide a clear path forward, working closely with CPAs for optimal implementation.

  • Retirement and Exit Planning: We guide you through all stages of life, helping you transition from work to retirement while preserving your legacy.

  • 401(k) Optimization: We ensure your retirement accounts are optimized, aligning with your broader financial goals.

  • Divorce Financial Planning and Personal Divorce Strategist Services: As your dedicated advocate, we provide unbiased guidance to protect your interests during divorce proceedings.

  • Inheritance Planning: We assist in managing and administering estates, providing support during challenging times.

Serving High-Net-Worth Clients Nationwide

While we proudly serve the City of Beasley, our expertise extends far beyond its borders. We cater to high-net-worth families, business owners, medical professionals, corporate executives, and more, offering tailored solutions that meet their unique needs.

Meet Amy Zamikovsky, JD, CFP®, CPWA®

Amy Zamikovsky is a Senior Financial Advisor at Transform Wealth, holding a B.S. in Biology from Southeastern Louisiana University and a J.D. from the University of Houston Law Center. Her credentials as a CERTIFIED FINANCIAL PLANNER® professional and Certified Private Wealth Advisor® professional underscore her commitment to excellence. Amy’s passion for education and financial protection is evident in her work, including teaching a State Bar of Texas CLE course on ethics and fiduciary duty.

Connect with Us

We invite the residents of Beasley to explore the benefits of our comprehensive financial planning services. By appointment only, our office is located at 820 Gessner Road, Houston, Texas 77024. Reach out via email at contact@attorneyamycfp.com or call us at (512) 537-2221 to schedule a consultation.

As we extend our services to the City of Beasley, we look forward to helping you build, preserve, and transfer your wealth with confidence. Let us be your trusted partner in navigating the complexities of financial planning and wealth management.