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

Welcome to the vibrant and diverse landscape of Colorado, where the majestic Rocky Mountains meet the bustling urban centers of Denver, Boulder, and Colorado Springs. It is in this dynamic setting that I, Amy Zamikovsky, JD, CFP®, CPWA®, am thrilled to introduce my wealth management and financial planning services. With over 15 years of experience, I am dedicated to helping individuals and families across Colorado build legacies for generations.

Our Founding Story

My journey in financial advisory services began with a passion for empowering clients through education and strategic planning. After earning my J.D. from the University of Houston Law Center and a B.S. in Biology from Southeastern Louisiana University, I honed my skills at Merrill Lynch, where I achieved my CERTIFIED FINANCIAL PLANNER® designation. Furthering my expertise, I obtained the Certified Private Wealth Advisor® designation from the Yale School of Management. Today, I bring this wealth of knowledge to Colorado, where I am committed to serving the unique needs of this community.

Addressing Local Market Needs

Colorado’s economy is as diverse as its landscapes, with thriving industries ranging from technology and aerospace to agriculture and tourism. Understanding the local market’s intricacies is crucial, and I am here to provide tailored financial planning services that align with your goals. Whether you’re navigating the bustling streets of Denver or enjoying the serene beauty of Aspen, my services are designed to meet the specific needs of Colorado residents.

Our Services

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

  • Wealth Management: Each investment recommendation is grounded in conservative financial planning, ensuring your portfolio aligns with your values and goals.

  • Settlement Planning: We prioritize financial planning and traditional wealth management over structured products, letting the numbers guide our strategies.

  • Windfall Planning: Cash flow surges present opportunities for strategic tax planning and alternative investments, laying the foundation for lasting prosperity.

  • Lottery Planning: Transform your newfound wealth into a lasting legacy with our expert guidance, ensuring your family’s future is secure.

  • Tax Planning: From estate to capital gains taxes, our planning provides a clear picture of optimal strategies, working closely with CPAs for proper implementation.

  • Retirement Planning: Whether you’re preparing for retirement or already enjoying it, we offer personalized guidance through all life stages.

  • Exit Planning: Maximize your business’s value and preserve your legacy with our comprehensive financial planning services.

  • 401(k) Optimization: Our services ensure your retirement account aligns with your financial goals, providing advice as a fiduciary CFP® professional.

  • Divorce Financial Planning: We offer expert guidance to help you make informed decisions, creating a roadmap for financial independence.

  • Personal Divorce Strategist: As your advocate, I combine my legal and financial expertise to protect your interests throughout the divorce process.

  • Inheritance Planning: We assist in managing estates, ensuring a smooth transition during challenging times.

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 National Association of Personal Financial Advisors. These affiliations reflect my commitment to maintaining the highest standards of professionalism and ethics.

Our Commitment

As a fiduciary, I am legally and ethically obligated to act in your best interests, ensuring that every decision made is with your financial well-being in mind. I am honored to serve clients nationwide, including those with multiple residences and extensive travel schedules, bringing my expertise to Colorado and beyond.

Special Focus on Divorce Clients

Divorce can be a challenging time, and I am here to provide the extra support needed. My services as a Personal Divorce Strategist and financial planner are designed to help you navigate this transition with confidence and clarity.

Building Legacies for Generations

At the heart of my practice is a commitment to building legacies for generations. Whether you’re planning for retirement, managing a windfall, or navigating a divorce, I am here to provide the personal attention and care you deserve. Together, we can create a financial future that reflects your values and aspirations.

For more information or to schedule an appointment, please contact me at contact@attorneyamycfp.com or call (512) 537-2221. My office is located at 820 Gessner Road, Houston, Texas 77024, and I am available by appointment only. Let us embark on this journey together, ensuring your financial success in Colorado and beyond.

Pre-and-Post Divorce Financial Planning in Colorado with Attorney Amy Zamikovsky, JD, CFP®, CPWA®

Introduction to Amy Zamikovsky, JD, CFP®, CPWA®

Welcome to a world where financial planning meets legal expertise, led by Amy Zamikovsky, JD, CFP®, CPWA®. With over 15 years of experience in wealth management, estate planning, and financial planning, Amy 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 honed her skills at Merrill Lynch, where she earned her CERTIFIED FINANCIAL PLANNER® designation, and later, her Certified Private Wealth Advisor® designation through the Yale School of Management. As a licensed attorney in Texas, Amy leverages her legal acumen to craft personalized financial strategies that help build, preserve, and transfer wealth efficiently. Her passion for educating and financially safeguarding 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.

Pre-and-Post Divorce Financial Planning: Tailored for Colorado

Divorce can be a challenging transition, especially in a state like Colorado, known for its equitable distribution laws. This means that marital property is divided fairly, though not necessarily equally, which can complicate financial planning. Attorney Amy Zamikovsky, JD, CFP®, CPWA® specializes in navigating these complexities, offering pre-and-post divorce financial planning services that are both empathetic and strategic.

Fact-Finding

Understanding your financial landscape is crucial, particularly in Colorado, where the cost of living varies significantly between urban centers like Denver and rural areas. We take the time to get to know you, ensuring a comprehensive understanding of your financial situation. Our compassionate approach delves into every detail that could impact your financial future, providing clarity and confidence during divorce negotiations. Your customized financial plan will serve as a robust foundation for the future you deserve.

Planning

The next chapter of your life begins with a well-crafted financial strategy. In Colorado, where the economy is diverse and dynamic, planning for both short-term needs and long-term financial independence is essential. We work with you to identify your unique goals, shedding light on the possibilities that lie ahead in this new phase of life. Our meticulous planning process ensures that your financial strategy is tailored to your specific circumstances, helping you navigate the economic landscape of Colorado with confidence.

Implementation

Turning plans into action is where real transformation occurs. We collaborate with you and your trusted legal and financial professionals to streamline your financial life and put our strategies into motion. As your fiduciary, we are committed to ensuring that every personalized recommendation is in your best interest. In Colorado, where financial regulations and tax implications can be complex, our expertise helps you navigate these challenges with ease.

Why Choose Tax-Planned Financial Planning?

In Colorado, where the cannabis industry and other emerging markets contribute to a unique economic environment, tax-planned financial planning offers significant advantages over structured settlements. By focusing on the numbers, we provide a clear, mathematical approach to financial planning that ensures your wealth is managed efficiently. Our strategies are designed to maximize your financial benefits, taking into account Colorado’s specific tax regulations and economic opportunities.

Our Commitment to Colorado

While we are based in Houston, Texas, our services extend to clients around the world, including those in Colorado. We understand the unique financial landscape of this state and are committed to providing expert-level financial planning and wealth management services tailored to your needs. Our goal is to empower you with the knowledge and strategies necessary to achieve financial success, regardless of your location.

Contact Information

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

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

We invite you to explore the benefits of working with a seasoned professional like Amy Zamikovsky, JD, CFP®, CPWA®. With her guidance, you can navigate the complexities of divorce financial planning in Colorado with confidence and clarity.

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

Congratulations, Colorado lottery winners! You’ve just unlocked a new chapter in your life, filled with possibilities and opportunities. As you stand on the brink of this exhilarating journey, it’s crucial to make informed decisions that will safeguard 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 in guiding high-net-worth individuals. I’m here to help you navigate this thrilling yet complex time with confidence and clarity.

Preserve Your Winnings

In the vibrant state of Colorado, where the majestic Rockies meet bustling urban centers, 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’ll help you:

  • Develop a comprehensive trust and estate plan to protect your assets and minimize taxes
  • Assemble a team of vetted attorneys, CPAs, and bankers to ensure your financial security
  • Maintain your privacy and security amidst newfound attention
  • Manage incoming donation and investment requests with a strategic approach

Plan for a Lifetime of Wealth

Your jackpot doesn’t have to be a fleeting windfall. With savvy planning, it can become the foundation for 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

Colorado is known for its vibrant communities and philanthropic spirit. If giving back is a priority for you, it would be my pleasure to guide you in transforming one-time gifts into enduring charitable vehicles. With tools like donor-advised funds and family foundations, you can translate your values into impactful actions 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! Whether it’s a dream home nestled in the Rockies, a trip to explore the world, a college fund for your children, or that sports car you’ve always desired, I’ll show you how to prudently earmark funds for these dreams. 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?

Winning the lottery 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 proven 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 Colorado, not implying that we’re located there nor moving there, only that we represent clients around the world, including but not limited to Colorado.

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

Email: contact@attorneyamycfp.com

Phone: (512) 537-2221

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

Winning a major case and securing a $1 million contingency fee is a significant achievement. However, when a structured settlement broker suggests deferring your fee into a “tax-advantaged” annuity, it might seem appealing at first glance. But is it truly the optimal financial decision? For most attorneys, especially those in the highest tax bracket, the answer is a resounding no. Let’s delve into why savvy trial lawyers in Colorado, a state known for its pioneering spirit and robust legal community, partner with a CERTIFIED FINANCIAL PLANNER® professional to meticulously 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 translates to a $370,000 tax bill if you opt for a lump sum. While this might initially seem daunting, let’s compare 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 difference is substantial. Even after paying $370,000 in taxes, you could end up with $1-1.9 million more by taking the lump sum and investing it. Over 30 years 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 sheer wealth gap, opting for a lump sum provides invaluable liquidity and leverage. Should you need funds for a lucrative investment or an unexpected expense, you can access a securities-based loan. Banks typically won’t lend against deferred fees. Additionally, if you wish to pivot your investments or estate plan, having your money locked up in a deferral can be a significant disadvantage.

More Tax-Efficient Growth

Structured settlement companies often highlight “tax-free growth,” but with strategic planning, you can significantly outperform deferral after tax:

  • Maximize contributions to pre-tax retirement plans for tax-deferred growth
  • Contribute after-tax dollars to 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 far more tax-efficient strategy than the blunt deferral method.

The Hidden Fees

Another pitfall of deferral is 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 an 8% return! In contrast, investing your lump sum in low-cost index funds incurs only a fraction of these 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. More often than not, 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’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.

Our Commitment to Colorado

While we are introducing ourselves to Colorado, a state renowned for its majestic Rocky Mountains and vibrant cultural scene, we want to emphasize that we represent clients globally, including those in Colorado. Our expertise in financial planning and wealth management is available to you, ensuring that your financial future is as robust as the Colorado landscape.

Office Address

BY APPOINTMENT ONLY
820 Gessner Road
Houston, Texas 77024

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

By working with Attorney Amy Zamikovsky, JD, CFP®, CPWA®, you can confidently navigate the complexities of financial planning, ensuring that your wealth is preserved and grown efficiently.

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

Welcome to the vibrant and diverse state of Colorado, where the majestic Rocky Mountains meet bustling urban centers like Denver and Boulder. Here, the spirit of innovation and a deep appreciation for nature create a unique backdrop for financial growth and prosperity. At the heart of this thriving community, we introduce you to Amy Zamikovsky, JD, CFP®, CPWA®, a Senior Financial Advisor at Transform Wealth, who brings over 15 years of expertise in wealth management, estate planning, and financial planning.

Why Choose Tax-Planned Financial Planning in Colorado?

In Colorado, where the economy is as diverse as its landscapes, the importance of strategic financial planning cannot be overstated. Whether you’re navigating the complexities of the tech industry in Boulder or managing a thriving business in Denver, Amy Zamikovsky offers tailored financial strategies that prioritize tax efficiency and wealth preservation. Unlike structured settlements, which may offer limited flexibility, our approach to financial planning is rooted in the power of numbers. We believe that the math speaks for itself, providing a clear path to financial success.

Our Specialization: Where Legal Expertise Meets Customized Wealth Strategies

Amy Zamikovsky’s unique combination of legal expertise and financial acumen positions her to offer unparalleled guidance to Colorado’s high-net-worth individuals. Our services are designed to address the specific challenges and opportunities faced by those with portfolios exceeding $1 million. Through a holistic approach, we help clients preserve and grow their wealth while enjoying the vibrant lifestyle that Colorado offers. From wealth management to optimized tax and estate planning strategies, our personalized solutions align with your priorities, goals, and values.

Empowering Your Legacy with Expert Guidance

As an experienced attorney and fiduciary, Amy Zamikovsky is uniquely positioned to guide you and your family through sensitive yet necessary discussions about your financial future. Our customized financial strategies empower you to confidently build your ideal personal legacy, ensuring that your wealth is preserved for generations to come. Whether you’re a business owner in Fort Collins or a retiree enjoying the serene beauty of Colorado Springs, we are here to support your financial journey.

Comprehensive Financial Services Tailored for Colorado

Our expertise extends far beyond Colorado, serving clients nationwide with multiple residences and extensive travel schedules. However, we are particularly attuned to the unique financial landscape of Colorado. Our services include:

  • Estate Planning: Collaborating with your team of professionals to ensure your estate plan reflects your current wishes and integrates seamlessly with your financial plan.
  • Wealth Management: Offering investment recommendations based on sound, conservative financial planning that aligns with your goals and values.
  • Settlement Planning: Demonstrating the financial superiority of traditional wealth management over structured products, even after taxes.
  • Windfall Planning: Providing strategic tax planning and integration with existing finances to ensure lasting prosperity.
  • Lottery Planning: Transforming newfound wealth into a lasting legacy, protecting your family and assets.
  • Tax Planning: Offering a clear, quantified picture of optimal strategies for estate, gift, income, and capital gains taxes.
  • Retirement Planning: Guiding you through all stages of life, ensuring your financial security as you enjoy Colorado’s natural beauty.
  • Exit Planning: Maximizing your business’s value and preserving your legacy through comprehensive financial planning.
  • 401(k) Optimization: Aligning your retirement account with your broader financial goals and risk tolerance.
  • Divorce Financial Planning: Providing expert guidance to make informed decisions during a divorce, ensuring financial independence.
  • Personal Divorce Strategist: Serving as your dedicated advocate, combining legal and financial expertise to protect your interests.
  • Inheritance Planning: Assisting with estate administration and management, offering support during difficult times.

Attracting Colorado’s Elite

Our firm specializes in serving high-net-worth families, business owners, medical professionals, estate executors, high-earning professionals, corporate executives, founders, professional athletes, inheritors, retirees, divorcees, and lottery winners. We are proud to represent clients around the world, including those in Colorado, offering expert financial guidance tailored to your unique needs.

Connect with Us

While our office is located in Houston, Texas, we are available by appointment to discuss your financial goals and how we can help you achieve them. Contact us at (512) 537-2221 or email contact@attorneyamycfp.com to schedule a consultation. Let us show you how Amy Zamikovsky, JD, CFP®, CPWA®, can transform your financial future in Colorado and beyond.