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

Greetings to the vibrant community of the City of Richmond! I am Amy Zamikovsky, JD, CFP®, CPWA®, a Senior Financial Advisor with over 15 years of experience in wealth management, estate planning, and financial planning. My journey began with a B.S. in Biology from Southeastern Louisiana University, followed by a J.D. from the University of Houston Law Center. My career path has been enriched by my time at Merrill Lynch, where I earned my CERTIFIED FINANCIAL PLANNER® designation, and later, my Certified Private Wealth Advisor® designation through the Yale School of Management.

As a proud fiduciary, I am committed to acting in the best interests of my clients, ensuring that their financial futures are secure and prosperous. My approach is deeply rooted in the values of trust and personal attention, reflecting the diverse and dynamic spirit of Richmond and its surrounding areas, including the nearby cities and towns that contribute to the region’s rich tapestry.

Building Legacies for Generations

Our tagline, “Building Legacies for Generations,” encapsulates our mission to provide comprehensive financial advisory services tailored to the unique needs of each client. We understand the local market’s nuances and are dedicated to addressing the specific financial planning needs of Richmond’s residents.

Our Services

Estate Planning: Collaborating with a team of professionals, including attorneys, trustees, and CPAs, 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 goals.

Settlement Planning: We emphasize the financial superiority of traditional wealth management over structured settlements, letting the numbers guide our strategies.

Windfall Planning: Strategic tax planning and retirement planning are key when managing cash flow surges, integrating them seamlessly with your existing finances.

Lottery Planning: Transform newfound wealth into a lasting legacy, safeguarding your family’s future and assets.

Tax Planning: From estate taxes to Roth conversions, our tax planning strategies provide clarity and optimal solutions, working closely with CPAs for effective implementation.

Retirement Planning: Whether preparing for retirement or already retired, we offer personalized guidance through all life stages, ensuring a secure future.

Exit Planning: Our comprehensive financial planning services help maximize your business’s value, minimize taxes, and preserve your legacy.

401(k) Optimization: We optimize your retirement account to align with your financial goals, offering fiduciary advice on your entire financial picture.

Divorce Financial Planning: Providing expert guidance, we help you make informed decisions during divorce, creating a roadmap for financial independence.

Personal Divorce Strategist: As your advocate, I combine my legal and financial expertise to protect your interests, ensuring you never face critical decisions alone.

Inheritance Planning: We offer compassionate support during difficult times, assembling a team of professionals to manage and administer estates effectively.

Professional Associations and Memberships

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 – Probate, Trusts & Estates & Litigation sections. Additionally, I am a member of NAPFA, The National Association of Personal Financial Advisors, reflecting my commitment to ethical and professional excellence.

Nationwide Expertise

While we proudly serve clients nationwide, including those with multiple residences and extensive travel schedules, our expertise extends far beyond any single location. We are honored to bring our services to the City of Richmond, contributing to the financial well-being of its residents.

Contact Information

For those in Richmond seeking personalized financial planning and wealth management services, I invite you to reach out and discover how we can help build your legacy. Our office is located at 820 Gessner Road, Houston, Texas 77024, and we are available by appointment only. You can contact us via email at contact@attorneyamycfp.com or by phone at (512) 537-2221.

We look forward to the opportunity to serve you and help secure your financial future. Thank you for considering us as your trusted financial partner.

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

Navigating the complexities of divorce can be challenging, especially when it comes to financial planning. In the City of Richmond, a vibrant community known for its rich history and cultural diversity, Attorney Amy Zamikovsky, JD, CFP®, CPWA®, offers her expertise in pre-and-post-divorce financial planning. Richmond, a city that blends historic charm with modern innovation, provides a unique backdrop for individuals seeking to secure their financial future amidst personal transitions.

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. Her educational background includes a B.S. in Biology from Southeastern Louisiana University and a J.D. from the University of Houston Law Center. While at Merrill Lynch, Amy earned her CERTIFIED FINANCIAL PLANNER® designation and later achieved her Certified Private Wealth Advisor® designation through the Yale School of Management. As a licensed Texas Attorney, Amy leverages her legal expertise to create tailored financial strategies that effectively build, preserve, and transfer wealth. Her commitment to educating and financially protecting the public is evident in her development and instruction of a State Bar of Texas CLE course focused on ethics, fiduciary duty, and legal settlement planning.

Divorce Financial Planning

In the City of Richmond, where the community values both tradition and progress, we understand the unique financial challenges that accompany divorce. Our approach is rooted in empathy and experience, ensuring that we provide not only expert guidance but also genuine support.

Fact-Finding

Our process begins with a comprehensive fact-finding mission. We dedicate time to understanding you—your aspirations, concerns, and financial landscape. This personalized approach ensures that every aspect of your financial future is considered, providing clarity and confidence during divorce negotiations. In Richmond, a city that appreciates the importance of informed decision-making, our detailed assessments are designed to empower you with the knowledge needed to navigate this pivotal moment in your life.

Planning

As you embark on the next chapter of your life, our planning phase focuses on crafting customized financial strategies that align with your unique goals. We work closely with you to identify immediate needs while laying the groundwork for long-term financial independence. In Richmond, where the community thrives on innovation and foresight, our meticulous planning process illuminates the possibilities that lie ahead, helping you to envision and achieve a prosperous future.

Implementation

The true transformation begins when plans are put into action. We collaborate with you and your trusted legal and financial professionals to streamline your financial life, ensuring that our strategies are seamlessly integrated. As your fiduciary, we are committed to acting in your best interest, providing personalized recommendations that reflect your unique circumstances. In a city like Richmond, where collaboration and community are highly valued, our approach ensures that you are supported every step of the way.

Our Commitment to Richmond

While we are introducing our services to the City of Richmond, it is important to note that we represent clients globally, including those in Richmond. Our office, located at 820 Gessner Road, Houston, Texas 77024, operates by appointment only, allowing us to provide dedicated and personalized service to each client. We invite you to reach out via email at contact@attorneyamycfp.com or by phone at (512) 537-2221 to learn more about how we can assist you in achieving financial clarity and confidence during and after divorce.

In Richmond, a city that honors its past while embracing the future, we are here to support you in building a secure and prosperous financial future. With Attorney Amy Zamikovsky, JD, CFP®, CPWA®, you have a partner who understands the nuances of divorce financial planning and is committed to guiding you through this transformative journey with expertise and care.

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

Congratulations, City of Richmond lottery winners! You’ve just hit the jackpot, and your life is about to transform in ways you may have only imagined. Amidst the excitement and the whirlwind of sudden wealth, you are now faced with 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 am here to help you navigate this thrilling yet overwhelming time with confidence and clarity.

Preserve Your Winnings

In the vibrant and culturally rich City of Richmond, safeguarding your newfound wealth is of utmost importance. 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 assist you in:

  • Creating a trust and estate plan to protect your 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 serve as the seed money for growing lifelong wealth. Drawing on my extensive experience as a CFP® professional and CPWA® professional, I will 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 among your priorities, it is my personal pleasure to guide you in turning one-time gifts into enduring charitable vehicles. With the right tools, such as 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 will 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 Richmond, 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 Richmond.

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

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

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

You’ve just achieved a significant victory in the courtroom, 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 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 in the City of Richmond work with a CERTIFIED FINANCIAL PLANNER® 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 hefty $370,000 tax bill if you take it as a lump sum. Painful, right? 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! And it only gets better long-term. Over 30 years at 8%, the lump sum grows to $6.4 million after tax versus $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 pivot your investments or estate plan? Unfortunately, your money is locked up.

More Tax-Efficient Growth

What about the “tax-free growth” 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’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 just introducing ourselves to the City of Richmond, 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 Richmond.

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 who are 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 Richmond! We’re Here for You!

Welcome to the City of Richmond, a vibrant community known for its rich history and dynamic growth. Nestled in the heart of Texas, Richmond is a city that blends the charm of its historic roots with the opportunities of modern development. As we introduce our wealth management and financial planning services to this thriving locale, we are excited to offer our expertise to the residents of Richmond and beyond.

Why Choose Tax-Planned Financial Planning?

In Richmond, where the local economy is as diverse as its cultural heritage, making informed financial decisions is crucial. We emphasize the importance of tax-planned financial planning and wealth management, which often surpass the financial benefits of structured settlements. The numbers speak for themselves—strategic tax planning can significantly enhance your financial outcomes. By focusing on the math, we ensure that your wealth is preserved and grown efficiently.

Our Specialization: Where Legal Expertise Meets Customized Wealth Strategies

Amy Zamikovsky, JD, CFP®, CPWA®, brings over 15 years of experience in wealth management, estate planning, and financial planning. Her unique background as a Certified Financial Planner® professional and Certified Private Wealth Advisor® professional allows her to craft customized financial strategies that align with your priorities, goals, and values. Our services are particularly beneficial for portfolios exceeding $1 million, where our holistic approach helps clients preserve and grow their wealth while enjoying life.

Comprehensive Financial Services Tailored for Richmond

Our services extend far beyond traditional financial planning. We offer a wide range of solutions, including:

  • Estate Planning: Collaborating with your team of professionals to ensure your estate plan aligns with your financial goals.
  • Wealth Management: Providing investment recommendations based on sound, conservative financial planning principles.
  • Settlement Planning: Demonstrating how financial planning and traditional wealth management can be more beneficial than structured products, even after taxes.
  • Windfall and Lottery Planning: Offering strategic tax planning and investment advice to transform sudden wealth into lasting prosperity.
  • Tax Planning: Working with CPAs to optimize strategies for estate, gift, income, and capital gains taxes.
  • Retirement and Exit Planning: Assisting with retirement preparation and business exit strategies to maximize value and preserve your legacy.
  • 401(k) Optimization: Ensuring your retirement account aligns with your broader financial goals.
  • Divorce Financial Planning and Personal Divorce Strategist Services: Providing expert guidance and advocacy during divorce proceedings to protect your interests.

Serving High-Net-Worth Clients Nationwide

While we are proud to serve the residents of Richmond, our expertise extends nationwide. We cater to high-net-worth families, business owners, medical professionals, estate executors, corporate executives, and more. Whether you’re a retiree, a lottery winner, or navigating a divorce, we are here to support you with personalized financial strategies.

Connect with Us

We invite you to explore the benefits of working with Amy Zamikovsky, JD, CFP®, CPWA®, and our team at Transform Wealth. With a commitment to excellence and a passion for financial education, we are dedicated to helping you build and sustain generational wealth. Contact us today to schedule an appointment and take the first step toward a secure financial future.

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

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

Join us as we bring our wealth management expertise to the City of Richmond, and let us help you achieve your financial goals with confidence and clarity.