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

Welcome to the City of Kendleton, a charming locale nestled in the heart of Fort Bend County, Texas. Here, the community is rich with history and culture, offering a unique blend of small-town warmth and modern aspirations. It is within this vibrant setting that I, Amy Zamikovsky, JD, CFP®, CPWA®, am delighted to introduce my wealth management and financial planning services. With over 15 years of experience, I am committed to helping you build legacies for generations.

Our Founding Story

My journey began with a passion for empowering individuals and families to achieve financial security and prosperity. With a B.S. in Biology from Southeastern Louisiana University and a J.D. from the University of Houston Law Center, I have honed my expertise in wealth management, estate planning, and financial planning. My professional path led me to earn the CERTIFIED FINANCIAL PLANNER® and Certified Private Wealth Advisor® designations, equipping me with the skills to offer comprehensive financial advisory services.

Addressing Local Market Needs

In Kendleton, where the Brazos River winds through the landscape, the community thrives on strong family values and a deep sense of heritage. I understand the unique financial needs of this area, from estate planning to wealth management, and I am dedicated to providing personalized attention and care to each client. Whether you’re navigating the complexities of inheritance planning or seeking guidance on retirement strategies, my services are tailored to meet your specific goals.

Nearby Cities and Towns

Kendleton is surrounded by a tapestry of neighboring communities, each contributing to the region’s diverse character. From the bustling city of Houston to the quaint town of Rosenberg, the area offers a wealth of opportunities for growth and investment. My practice extends beyond Kendleton, serving clients nationwide who travel extensively and have multiple residences, ensuring that our expertise is as expansive as your ambitions.

Our Services

  • Estate Planning: Collaborating with your team of professionals, we ensure your estate plan aligns with your financial goals and reflects your current wishes.
  • 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 financial planning and traditional wealth management often surpass the benefits of structured settlements, even after taxes.
  • Windfall Planning: Strategic tax planning and alternative investments are key to integrating cash flow surges with your existing finances.
  • Lottery Planning: We guide you in transforming newfound wealth into a lasting legacy, protecting your family and assets.
  • Tax Planning: From estate to capital gains taxes, our planning provides a clear strategy for optimal financial outcomes.
  • Retirement Planning: Whether preparing for or enjoying retirement, we offer experienced guidance through all life stages.
  • Exit Planning: Our services help maximize your business’s value and preserve your legacy.
  • 401(k) Optimization: We ensure your retirement account aligns with your broader financial goals.
  • Divorce Financial Planning: We provide expert guidance for informed decisions during divorce, ensuring financial independence.
  • Personal Divorce Strategist: As your advocate, I combine legal and financial expertise to protect your interests.
  • Inheritance Planning: We assist in managing estates with compassion and professionalism.

Professional Affiliations

I am proud to be associated with esteemed organizations such as the Houston Association of Women Attorneys, Houston Estate and Financial Forum, and the Houston Bar Association. These affiliations reflect my commitment to maintaining the highest standards of ethics and fiduciary duty, ensuring that I act in your best interests at all times.

Our Commitment

At the heart of my practice is a humble appreciation for the trust and opportunity given by my clients. I am dedicated to providing personal attention and care, ensuring that your financial journey is guided by facts and sound strategies. Whether you’re in Kendleton or beyond, my mission is to help you build a secure and prosperous future.

For more information or to schedule an appointment, please contact me at:

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

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

I look forward to the opportunity to serve you and help you achieve your financial goals.

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

Introducing Amy Zamikovsky, JD, CFP®, CPWA® to the City of Kendleton

In the heart of Texas, nestled within the rich cultural tapestry of Fort Bend County, lies the City of Kendleton. Known for its tight-knit community and historical significance, Kendleton is a place where tradition meets progress. As we extend our services to this vibrant locale, we are excited to introduce Attorney Amy Zamikovsky, JD, CFP®, CPWA®, a seasoned professional with over 15 years of expertise in wealth management, estate planning, and financial planning.

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 journey through the financial world began at Merrill Lynch, where she earned her CERTIFIED FINANCIAL PLANNER® designation. Further honing her skills, she achieved the Certified Private Wealth Advisor® designation through the prestigious Yale School of Management. As a licensed Texas Attorney, Amy leverages her legal acumen to craft personalized financial strategies that effectively build, preserve, and transfer wealth. Her passion for education and financial protection is evident in her development and instruction of a State Bar of Texas CLE course focused on ethics, fiduciary duty, and legal settlement planning.

Pre-and-Post Divorce Financial Planning: Tailored for the City of Kendleton

Divorce can be a challenging journey, and we understand the complexities involved. At the core of our approach is empathy, drawn from personal experience and professional expertise. We are committed to guiding you through this transition with a focus on clarity, confidence, and financial security.

Fact-Finding

In Kendleton, where community values are cherished, we prioritize getting to know you—the real you. Our comprehensive fact-finding process delves into every aspect of your financial landscape, ensuring that no detail is overlooked. We aim to provide you with a clear understanding of your financial situation, empowering you to navigate the financial negotiations of your divorce with confidence. Your personalized financial plan will serve as a robust foundation for the future you envision.

Planning

The next chapter of your life begins here. We craft bespoke financial strategies that align with your unique goals, both immediate and long-term. Our meticulous planning process illuminates the possibilities that lie ahead, helping you achieve financial independence in this new phase of life. In Kendleton, where the spirit of resilience and growth is palpable, we work alongside you to identify and meet your short-term needs while laying the groundwork for a prosperous future.

Implementation

Real transformation starts with action. We collaborate with you and your trusted legal and financial professionals to streamline your financial life and bring our strategies to fruition. As your fiduciary, we are committed to ensuring that every recommendation is made with your best interests at heart. In a community like Kendleton, where trust and integrity are paramount, we strive to uphold these values in every aspect of our service.

Our Commitment to Kendleton

While we are not physically located in Kendleton, our commitment to serving clients in this community is unwavering. We represent clients around the world, including those in Kendleton, and are dedicated to providing exceptional financial planning services tailored to your unique needs.

For more information 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

We look forward to the opportunity to serve the residents of Kendleton, helping you navigate the complexities of divorce with confidence and clarity.

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

Congratulations, City of Kendleton lottery winners! You’ve just unlocked a world of possibilities with your newfound fortune. As you stand on the brink of this life-altering journey, the decisions you make now will shape 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. My mission is to guide you through this exhilarating yet complex time with clarity and confidence.

Preserve Your Winnings

In the heart of Fort Bend County, the City of Kendleton is a community rich in history and culture. As you celebrate your windfall, it’s crucial to protect your assets from potential threats such as taxes, lawsuits, scams, and mismanagement. With my expertise, I will help you:

  • Develop a comprehensive trust and estate plan to safeguard your wealth and minimize tax liabilities
  • Assemble a team of trusted professionals, including attorneys, CPAs, and bankers, to ensure your financial security
  • Maintain your privacy and protect your personal information
  • Manage and evaluate donation and investment requests with discernment

Plan for a Lifetime of Wealth

Your lottery winnings can be more than just a fleeting fortune; they can be the foundation for enduring prosperity. Drawing on my extensive experience as a CFP® professional and CPWA® professional, I will design a personalized wealth management plan to help you:

  • Define and achieve your short and long-term lifestyle and legacy goals
  • Invest strategically for growth, income, and capital preservation
  • Optimize tax efficiency through tailored accounts and asset allocation
  • Secure your retirement with income-generating investments
  • Establish trusts and gifts to benefit future generations

Give with Confidence

If giving back to the community is important to you, I’m here to help you create a lasting philanthropic legacy. Whether it’s supporting local initiatives in Kendleton or broader causes, I can guide you in setting up donor-advised funds and family foundations that reflect your values and inspire future generations.

Enjoy Your Winnings

Now is the time to indulge in the dreams you’ve always cherished. Whether it’s purchasing a dream home, traveling the world, funding education, or acquiring that sports car you’ve always wanted, I’ll help you allocate your funds wisely. With a balanced approach, you can enjoy your newfound wealth while ensuring long-term financial stability.

Why Trust Amy Zamikovsky?

Navigating the complexities of sudden wealth requires a seasoned financial advisor who understands the unique challenges of managing an overnight fortune. As a CFP® professional and CPWA® professional with a proven track record, I have helped numerous high-net-worth clients transform windfalls into sustainable wealth. My legal background further equips me to devise robust strategies to protect your assets.

From the moment you claim your prize, I will be your personal CFO, investment expert, and legal advocate. I will help you filter through the noise, educate you on your options, and prioritize your interests, allowing you to enjoy your windfall with peace of mind.

Your Best Day Ever Could Be Today

If you’re holding a winning ticket, don’t delay in planning for this transformative event. Contact me for a complimentary, confidential consultation to explore how I can help you maximize your winnings, reduce your stress, and secure the 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, serving clients worldwide, including those in the City of Kendleton.

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

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

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

You’ve just won a significant case in the City of Kendleton, 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 decision? 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® professional 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 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 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.

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 devise 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 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.

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This is my location. Remember, we are just introducing ourselves to the City of Kendleton, 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 Kendleton.

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.

15+ YEARS OF EXPERTISE
CFP® Professional & CPWA® Professional and Licensed Texas Attorney

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

Nestled in the heart of Fort Bend County, the City of Kendleton is a community rich in history and culture. Known for its close-knit community and scenic landscapes, Kendleton offers a unique blend of rural charm and proximity to the bustling city life of Houston. As we introduce our wealth management and financial planning services to this vibrant locale, we aim to empower the residents of Kendleton with the tools and knowledge to secure their financial futures.

Why Choose Tax-Planned Financial Planning?

In Kendleton, where the community values integrity and transparency, we emphasize the importance of tax-planned financial planning and wealth management. These strategies often prove far superior to the financial benefits of structured settlements. By focusing on the numbers, we let the math guide our decisions, ensuring that every financial move is backed by solid data. Our specialization lies in financial planning where legal expertise meets customized wealth strategies, providing a holistic approach that serves portfolios exceeding $1 million. This approach helps our clients in Kendleton preserve and grow their wealth while enjoying their lives.

Customized Financial Strategies for Kendleton Residents

Amy Zamikovsky, JD, CFP®, CPWA®, brings over 15 years of experience in wealth management, estate planning, and financial planning. Her educational background, with a B.S. in Biology from Southeastern Louisiana University and a J.D. from the University of Houston Law Center, complements her practical experience. As a CERTIFIED FINANCIAL PLANNER® professional and Certified Private Wealth Advisor® professional, Amy is passionate about educating and financially protecting the public. She has developed and teaches a State Bar of Texas CLE course to attorneys interested in ethics, fiduciary duty, and legal settlement planning.

Estate Planning and Wealth Management

In Kendleton, where family ties and legacies are cherished, our estate planning services ensure that your wishes are honored. We collaborate with your team of professionals, from attorneys to CPAs, to create a seamless estate plan that aligns with your financial goals. Our wealth management services are rooted in conservative financial planning, ensuring that your portfolio reflects your values and aspirations.

Settlement and Windfall Planning

Whether you’re dealing with a settlement or experiencing a financial windfall, our strategic planning services are designed to maximize your financial potential. In Kendleton, where community support is paramount, we offer guidance on tax planning, retirement planning, and alternative investments, ensuring that your financial plan supports lasting prosperity.

Comprehensive Financial Services

Our services extend beyond traditional financial planning. From lottery planning to tax optimization, retirement planning, and exit strategies, we offer a comprehensive suite of services tailored to the unique needs of Kendleton residents. Our 401(k) optimization services ensure that your retirement accounts align with your broader financial goals, while our divorce financial planning services provide expert guidance during life’s transitions.

Personal Divorce Strategist

As your Personal Divorce Strategist, Amy Zamikovsky combines her expertise as an attorney and Certified Financial Planner® professional to protect your interests. We provide unbiased advocacy, helping you navigate asset valuation, income planning, and wealth preservation strategies. Our mission is to assist you in making informed decisions based on facts, ensuring a respectful and just dissolution.

Inheritance Planning

In times of loss, our inheritance planning services offer compassionate support. We help you assemble a team of reputable professionals to manage and administer estates, ensuring that your loved one’s legacy is honored.

Attracting High-Net-Worth Clients

Our expertise is particularly suited for high-net-worth families, business owners, medical professionals, estate executors, and more. We proudly serve clients nationwide, including those in Kendleton, offering personalized solutions that align with your priorities, goals, and values.

Connect with Us

While our office is located in Houston, Texas, we are dedicated to serving clients in Kendleton and beyond. Contact us by appointment at 820 Gessner Road, Houston, Texas 77024, or reach out via email at contact@attorneyamycfp.com or phone at (512) 537-2221. Let us help you build and sustain generational wealth, ensuring a prosperous future for you and your family.