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

Welcome to the City of Fulshear, a charming community nestled in the heart of Fort Bend County, Texas. Known for its rich history, vibrant culture, and close-knit community, Fulshear is a place where tradition meets modernity. As we introduce our wealth management and financial planning services to this unique locale, we are thrilled to bring the expertise of Amy Zamikovsky, JD, CFP®, CPWA®, to the residents of Fulshear and its surrounding areas.

Building Legacies for Generations

At the core of our mission is the commitment to “Building Legacies for Generations.” With over 15 years of experience in wealth management, estate planning, and financial planning, Amy Zamikovsky brings a wealth of knowledge and a personal touch to each client relationship. 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 professional path has been marked by significant achievements, including earning the CERTIFIED FINANCIAL PLANNER® designation at Merrill Lynch and the Certified Private Wealth Advisor® designation through the Yale School of Management.

Understanding Local Market Needs

Fulshear, with its proximity to Houston and neighboring towns like Katy and Richmond, is a dynamic area experiencing growth and development. This expansion brings unique financial opportunities and challenges, which Amy is well-equipped to address. As a fiduciary, Amy is legally and ethically obligated to act in the best interests of her clients, ensuring that their financial strategies are tailored to their specific needs and goals.

Comprehensive Financial Advisory Services

Amy’s financial advisory services are designed to meet the diverse needs of Fulshear’s residents. From estate planning to wealth management, her approach is rooted in sound, conservative financial planning. She collaborates with a network of professionals, including attorneys, trustees, and CPAs, to ensure that every aspect of your financial plan is aligned with your goals.

Estate Planning

In estate planning, we work closely with your team of professionals to ensure that your estate plan reflects your current wishes and integrates seamlessly with your financial plan. Our goal is to preserve and transfer wealth efficiently, safeguarding your legacy for future generations.

Wealth Management

Our wealth management services are grounded in the principles of conservative financial planning. We ensure that your investment portfolio aligns with your values and objectives, and we make recommendations based on rigorous analysis and strategic foresight.

Settlement Planning

For those navigating settlements, our financial planning and traditional wealth management services often prove superior to structured products. We let the numbers guide us, demonstrating that even after taxes, our strategies can yield greater financial benefits.

Windfall and Lottery Planning

Whether you’re experiencing a windfall or have recently won the lottery, we provide strategic tax planning, retirement planning, and investment advice to help you integrate newfound wealth into your existing financial framework. Our expertise ensures that your wealth is protected and positioned for long-term growth.

Tax and Retirement Planning

Our tax planning services cover estate, gift, income, and capital gains taxes, providing a clear picture of optimal strategies. We work alongside CPAs to implement these strategies effectively. For retirement planning, we offer guidance whether you’re preparing for retirement or already enjoying it, ensuring your financial security throughout life’s stages.

Exit and 401(k) Optimization Planning

Our exit planning services help you maximize your business’s value while minimizing taxes and preserving your legacy. Additionally, our 401(k) optimization services ensure that your retirement account aligns with your broader financial goals and risk tolerance.

Divorce Financial Planning and Personal Divorce Strategist

In times of personal transition, such as divorce, Amy serves as a dedicated advocate, combining her expertise as an attorney and Certified Financial Planner® professional. She provides objective guidance, helping you make informed decisions based on facts rather than emotions.

Inheritance Planning

During times of loss, we offer compassionate support and guidance, helping you navigate the complexities of inheritance planning. We assemble a team of reputable professionals to manage and administer estates effectively, ensuring that your loved one’s legacy is honored.

Proud Affiliations and Nationwide Service

Amy 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. Her membership in NAPFA, The National Association of Personal Financial Advisors, underscores her commitment to excellence in financial planning.

While we are introducing our services to Fulshear, our expertise extends nationwide, serving clients with multiple residences and those who travel extensively. We are honored to have the opportunity to work with clients from diverse backgrounds, always emphasizing personal attention and care.

Contact Us

We invite you to explore how our financial advisory services can benefit you and your family. For appointments, please visit us at 820 Gessner Road, Houston, Texas 77024, or contact us via email at contact@attorneyamycfp.com or phone at (512) 537-2221. We look forward to building a lasting legacy together.

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

Navigating the complexities of divorce can be daunting, especially when it comes to financial planning. Here in the City of Fulshear, a vibrant community known for its rich history and rapid growth, we understand the unique challenges you face. Nestled in Fort Bend County, Fulshear offers a blend of small-town charm and modern amenities, making it an ideal place for families and individuals seeking a balanced lifestyle. As you embark on this new chapter, Attorney Amy Zamikovsky, JD, CFP®, CPWA®, is here to guide you through the financial intricacies of divorce with expertise and empathy.

Introducing Amy Zamikovsky, JD, CFP®, CPWA®

Amy Zamikovsky is a Senior Financial Advisor at Transform Wealth, bringing over 15 years of experience in wealth management, estate planning, and financial planning. With a B.S. in Biology from Southeastern Louisiana University and a J.D. from the University of Houston Law Center, Amy combines her legal and financial expertise to create tailored strategies that help clients in Fulshear and beyond. Her credentials as a CERTIFIED FINANCIAL PLANNER® professional and Certified Private Wealth Advisor® professional, earned at Merrill Lynch and the Yale School of Management respectively, underscore her commitment to excellence.

While Amy is not currently practicing law or offering legal services directly, her role as an experienced Texas Attorney and Counselor at Law allows her to offer invaluable insights into the financial aspects of divorce. Her passion for educating and 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.

Divorce Financial Planning

At the heart of our approach is a deep understanding of the emotional and financial complexities of divorce. We don’t just work with clients like you; we’ve been there ourselves. This personal experience fuels our dedication to providing expert-level guidance and support.

Fact-Finding

Our journey together begins with understanding you—the real you. We delve into every aspect of your financial life to provide a comprehensive picture of your current situation. This thorough yet compassionate approach ensures that you have clarity and confidence during the financial negotiations of your divorce. Your customized financial plan will serve as a robust foundation for the future you deserve.

Planning

The next chapter of your life starts here. We craft personalized financial strategies that align with your unique goals, both immediate and long-term. By identifying your short-term needs and working towards long-term financial independence, we illuminate the possibilities that lie ahead in your new phase of life.

Implementation

Real transformation begins when plans are put into action. We collaborate with you and your trusted legal and financial professionals to streamline your financial life and implement our strategies. As your fiduciary, we ensure that every recommendation is made with your best interests at heart.

Our Commitment to Fulshear

While we are introducing ourselves to the City of Fulshear, it’s important to note that we represent clients worldwide, including those in this dynamic community. Our office, located at 820 Gessner Road in Houston, Texas, operates by appointment only, allowing us to provide personalized attention to each client.

For inquiries or to schedule a consultation, please contact us at:

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

In Fulshear, where the past meets the future, we are committed to helping you navigate the financial aspects of divorce with confidence and clarity. Let us be your trusted partner as you embark on this new journey.

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

Welcome to the City of Fulshear, a charming locale nestled in the heart of Texas, where the spirit of community and the allure of wide-open spaces create a unique blend of small-town charm and modern convenience. As a burgeoning city, Fulshear is known for its rich history, vibrant culture, and the promise of a bright future. For those fortunate enough to win the lottery here, the possibilities are as expansive as the Texas sky. But with great fortune comes great responsibility, and that’s where I, Amy Zamikovsky, JD, CFP®, CPWA®, come in.

Preserve Your Winnings

Congratulations on your incredible win! As you stand on the brink of a new chapter, it’s crucial to safeguard your newfound wealth. 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:

• Create a Trust and Estate Plan: Protect your assets and minimize taxes with a comprehensive estate plan tailored to your needs.
• Assemble a Team of Experts: We’ll bring together a team of vetted attorneys, CPAs, and bankers to ensure every aspect of your financial life is managed with precision.
• Maintain Privacy and Security: Protecting your privacy is paramount, and we’ll implement strategies to keep your personal information secure.
• Manage Donation and Investment Requests: I’ll guide you in handling the influx of requests for donations and investments, ensuring your generosity is both impactful and sustainable.

Plan for a Lifetime of Wealth

Your jackpot doesn’t have to be a fleeting windfall. With savvy planning, it can be the foundation for lifelong wealth. Drawing on my extensive experience as a CERTIFIED FINANCIAL PLANNER® professional and Certified Private Wealth Advisor® professional, I’ll craft a personalized wealth management plan to help you:

• Define Your Goals: We’ll outline your short and long-term lifestyle and legacy goals, ensuring your wealth supports your dreams.
• Invest for Growth: I’ll help you invest for optimal growth, income, and capital preservation, maximizing your financial potential.
• Maximize Tax Efficiency: Through strategic accounts and asset allocation, we’ll ensure your wealth is managed with tax efficiency in mind.
• Secure Your Retirement: With income-generating investments, we’ll secure your retirement, providing peace of mind for the future.
• Establish Trusts and Gifts: We’ll set up trusts and gifts for future generations, ensuring your legacy endures.

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

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

Email: contact@attorneyamycfp.com

Phone: (512) 537-2221

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

Nestled in the heart of Texas, the City of Fulshear is known for its charming blend of small-town warmth and modern amenities. As a rapidly growing community, Fulshear offers a unique backdrop for professionals, including attorneys who are navigating the complexities of financial planning. If you’re an attorney in Fulshear who has just secured a $1 million contingency fee, you might be considering deferring your fee into a “tax-advantaged” annuity. While this option may sound appealing, it’s crucial to understand why taking a lump sum and investing it could be a far superior financial strategy, even for those in the highest tax bracket.

The True Cost of Deferral

Imagine you’re in the top federal tax bracket of 37%. On a $1 million fee, this translates to a $370,000 tax bill if you opt for a lump sum. While this may seem daunting, let’s explore the potential outcomes of investing the remaining $630,000 versus deferring the entire $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 disparity is striking. Even after paying $370,000 in taxes, you could end up with $1-1.9 million more by choosing the lump sum and investing it. Over a 30-year period at an 8% return, the lump sum could grow to $6.4 million after tax, compared to just $1.5 million with deferral.

Lost Opportunity and Liquidity

Beyond the significant wealth gap, opting for a lump sum provides invaluable liquidity and leverage. Should you need funds for a promising investment or an unexpected expense, you can access a securities-based loan. Banks typically do not lend against deferred fees. Additionally, if you wish to adjust your investments or estate plan, having your money readily available is crucial.

More Tax-Efficient Growth

Structured settlement companies often highlight “tax-free growth,” but with strategic planning, you can achieve more tax-efficient growth than deferral:

• Maximize contributions to pre-tax retirement plans for tax-deferred growth
• Use after-tax dollars in a Roth IRA for tax-free growth
• Allocate assets tax-efficiently across 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 devise a more tax-smart strategy than the blunt deferral method.

The Hidden Fees

Another pitfall of deferral is hidden commissions. Structured settlement brokers often take more than 4% 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, investing your lump sum in low-cost index funds incurs a fraction of these 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. You’ll likely 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 in Fulshear 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.

Contact Information

This is my location. Remember, we are introducing ourselves to the City of Fulshear, not implying that we’re located there or moving there, only that we represent clients around the world, including but not limited to Fulshear.

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

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

By understanding the financial landscape and leveraging the expertise of professionals like Attorney Amy Zamikovsky, JD, CFP®, CPWA®, attorneys in Fulshear can make informed decisions that enhance their financial future.

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

Welcome to Fulshear, a charming city nestled in the heart of Texas, where the blend of rich history and modern growth creates a unique environment for financial prosperity. As a Senior Financial Advisor at Transform Wealth, I, Amy Zamikovsky, JD, CFP®, CPWA®, am thrilled to extend my expertise in wealth management and financial planning to the residents of this vibrant community. With over 15 years of experience, I am dedicated to helping you navigate the complexities of financial planning with precision and care.

Why Choose Tax-Planned Financial Planning in Fulshear?

In Fulshear, where the community values both tradition and innovation, choosing tax-planned financial planning is a strategic decision that can significantly enhance your financial well-being. Unlike structured settlements, which may offer limited flexibility, our approach focuses on the numbers that never lie. By prioritizing tax efficiency, we help you maximize your wealth and achieve your financial goals. Our expertise in financial planning, where legal knowledge meets customized wealth strategies, is tailored to serve portfolios exceeding $1 million. This holistic approach ensures that your wealth is preserved and grown, allowing you to enjoy life to the fullest.

Customized Financial Strategies for Fulshear Residents

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. Whether you’re a high-net-worth family, a business owner, or a medical professional, our services are designed to meet your unique needs.

Comprehensive Wealth Management Services

In Fulshear, where community ties are strong, we work with your entire team of professionals, from attorneys to trustees and administrators to CPAs, ensuring that your estate plan reflects your current wishes and aligns with your financial plan. Our wealth management services are grounded in sound, conservative financial planning, ensuring that your portfolio represents your goals and values.

Settlement and Windfall Planning

No matter the size of your settlement, financial planning and traditional wealth management are almost always financially superior to structured products. In Fulshear, where opportunities for growth abound, we let the math speak for itself, even after taxes. Our windfall planning services provide strategic tax planning, retirement planning, and alternative investments, ensuring that your financial plan lays the foundation for lasting prosperity.

Lottery and Tax Planning

Congratulations on your lottery win! In Fulshear, where dreams become reality, we have the expertise to protect your assets and transform your wealth into a lasting legacy. Our tax planning services provide a clear, quantified picture of optimal strategies, working hand in hand with CPAs to ensure proper implementation.

Retirement and Exit Planning

Whether you’re preparing for retirement or already enjoying your golden years, our retirement planning services are designed to support you through all of life’s stages. In Fulshear, where community and family are paramount, we help you transform years of hard work into a lasting legacy with our comprehensive exit planning services.

401(k) Optimization and Divorce Financial Planning

Our 401(k) optimization services ensure that your retirement account aligns with your broader financial goals. As a fiduciary CFP® professional, I provide advice on your entire financial picture. Our divorce financial planning services offer expert guidance, helping you make informed decisions during challenging times.

Personal Divorce Strategist and Inheritance Planning

As your Personal Divorce Strategist, I serve as your dedicated advocate, combining my expertise as both an attorney and Certified Financial Planner® professional. In Fulshear, where family ties are cherished, our inheritance planning services help you move forward with confidence, assembling a team of reputable professionals to manage your estate effectively.

Our Firm’s Expertise: Specializing in Portfolios > $1M+

We proudly serve clients nationwide, including those in Fulshear, who have multiple residences and travel extensively. Our expertise extends far beyond local boundaries, ensuring that your financial needs are met with the highest level of professionalism and care.

Contact Us

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

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

In Fulshear, where the future is bright and opportunities are endless, we are here to support you on your financial journey. Let us help you build and sustain generational wealth, ensuring that your legacy endures for years to come.