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

Welcome to the City of Dickinson, a vibrant community nestled between the bustling metropolis of Houston and the serene shores of Galveston Bay. Known for its rich history and close-knit community, Dickinson is a place where tradition meets progress, making it an ideal setting for building lasting legacies. As we introduce Amy Zamikovsky, JD, CFP®, CPWA®, to this dynamic locale, we are excited to bring her wealth of experience and personalized financial advisory services to the residents of Dickinson and its neighboring areas.

Our Founding Story and Commitment to Dickinson

Amy Zamikovsky’s journey in wealth management and financial planning began over 15 years ago, driven by a passion for empowering individuals and families to achieve their financial goals. With a B.S. in Biology from Southeastern Louisiana University and a J.D. from the University of Houston Law Center, Amy’s diverse educational background equips her with a unique perspective on financial strategy. Her credentials as a CERTIFIED FINANCIAL PLANNER® professional and Certified Private Wealth Advisor® professional, earned through rigorous training at Merrill Lynch and the Yale School of Management, respectively, underscore her commitment to excellence.

In Dickinson, where community values and personal relationships are paramount, Amy’s approach is rooted in trust and integrity. As a fiduciary, she is legally and ethically obligated to act in the best interests of her clients, ensuring that every financial decision is made with care and precision. This dedication is reflected in her membership with esteemed organizations such as the Houston Association of Women Attorneys, the Houston Estate and Financial Forum, and the National Association of Personal Financial Advisors (NAPFA).

Addressing Local Market Needs

The City of Dickinson, with its proximity to Houston and Galveston, offers a unique blend of suburban tranquility and urban opportunity. Understanding the local market’s nuances, Amy Zamikovsky provides tailored financial planning services that address the specific needs of Dickinson’s residents. Whether you’re navigating the complexities of estate planning, wealth management, or tax planning, Amy’s expertise ensures that your financial strategies are aligned with your goals and values.

Comprehensive Financial Services

At the heart of Amy’s practice is a commitment to building legacies for generations. Her comprehensive suite of services includes:

  • Estate Planning: Collaborating with a team of professionals to ensure your estate plan reflects your wishes and integrates seamlessly with your financial plan.
  • Wealth Management: Offering investment recommendations based on sound financial principles, ensuring your portfolio aligns with your aspirations.
  • Settlement Planning: Demonstrating the financial superiority of traditional wealth management over structured settlements, even after taxes.
  • Windfall and Lottery Planning: Providing strategic guidance to manage sudden financial gains, ensuring long-term prosperity and protection.
  • Tax Planning: Crafting strategies to optimize estate, gift, income, and capital gains taxes, in collaboration with CPAs.
  • Retirement and Exit Planning: Assisting clients through all life stages, from preparing for retirement to maximizing business value.
  • 401(k) Optimization: Enhancing your retirement account’s performance to align with your broader financial objectives.
  • Divorce Financial Planning and Personal Divorce Strategist Services: Offering unbiased support and strategic planning during divorce proceedings, ensuring informed decision-making.
  • Inheritance Planning: Providing compassionate guidance to manage and administer estates effectively.

A Nationwide Reach with Local Expertise

While Amy Zamikovsky proudly serves clients nationwide, her deep understanding of Dickinson’s unique cultural and economic landscape allows her to offer personalized attention and care to local clients. Her ability to navigate complex financial scenarios, combined with her commitment to client education and empowerment, makes her an invaluable partner in your financial journey.

Contact Information

For those in the City of Dickinson and beyond, Amy Zamikovsky is ready to help you transform your financial future. To schedule an appointment, please contact us at:

  • 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 you and help build a legacy that lasts for generations.

Pre-and-Post Divorce Financial Planning in the City of Dickinson 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 Dickinson, a vibrant community known for its rich history and close-knit neighborhoods, Attorney Amy Zamikovsky, JD, CFP®, CPWA®, offers her expertise in pre-and-post-divorce financial planning. With a deep understanding of the unique financial landscape of Texas, Amy provides personalized strategies to help you manage your finances during this transitional period.

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

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 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 career highlights include earning her CERTIFIED FINANCIAL PLANNER® designation at Merrill Lynch and her Certified Private Wealth Advisor® designation through the Yale School of Management. As a licensed Texas attorney, Amy combines her legal acumen with financial expertise to create tailored financial strategies that build, preserve, and transfer wealth effectively.

Divorce Financial Planning

Divorce is a significant life event that can impact your financial future. At OilWell Cannabis, we understand the emotional and financial challenges that come with it. Our approach is informed by personal experience and professional expertise, ensuring that we provide empathetic and effective support.

Fact-Finding

Understanding your financial situation is the first step towards empowerment. We engage in a comprehensive fact-finding process to get to know you and your unique circumstances. This thorough approach allows us to identify every detail that could affect your financial future. By providing clarity and confidence, we help you navigate the financial negotiations of your divorce with ease. 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. We work closely with you to design a plan that aligns with your current needs and future aspirations. Our meticulous planning process highlights the possibilities available to you, fostering long-term financial independence. Whether you’re focusing on immediate concerns or setting the stage for future growth, our strategies are tailored to your unique goals.

Implementation

Real transformation occurs when plans are put into action. We collaborate with you and your trusted legal and financial professionals to streamline your financial life. As your fiduciary, we ensure that every recommendation is made with your best interests in mind. By implementing our financial strategies, we help you achieve the stability and security you need to thrive in your new phase of life.

Our Commitment to the City of Dickinson

While we are introducing our services to the City of Dickinson, it’s important to note that we represent clients worldwide, including those in this vibrant community. Our office is located at 820 Gessner Road, Houston, Texas 77024, and we are available by appointment only. You can reach us via email at contact@attorneyamycfp.com or by phone at (512) 537-2221.

In the City of Dickinson, where community values and personal connections are cherished, we are committed to providing financial planning services that reflect these principles. Our goal is to empower you with the knowledge and tools necessary to navigate the financial aspects of divorce with confidence and clarity.

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

Congratulations, City of Dickinson lottery winners! You’ve just hit the jackpot, and your life is about to transform in ways you’ve only imagined. Nestled in the heart of Texas, the City of Dickinson is a vibrant community known for its rich history and welcoming spirit. As you celebrate your newfound fortune, it’s essential to make informed decisions that will safeguard your financial future for generations to come. As a CERTIFIED FINANCIAL PLANNER® professional, Certified Private Wealth Advisor® professional, and attorney with over 15 years of experience guiding high-net-worth individuals, I’m here to help you navigate this exhilarating yet overwhelming time with confidence and clarity.

Preserve Your Winnings

Protecting your newfound wealth is crucial. 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 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 location. Remember that we are just introducing ourselves to the City of Dickinson, 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 Dickinson.

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

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

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

You’ve just achieved a significant victory in court, 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 partner 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 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 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” 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 one last deferral pitfall: hidden commissions. Structured settlement brokers often take 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 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 Dickinson, 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 Dickinson.

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 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 Dickinson! We’re Here for You!

Welcome to the City of Dickinson, a vibrant community nestled in the heart of Texas, where the charm of small-town living meets the convenience of urban amenities. As we introduce our wealth management and financial planning services to this unique locale, we bring a commitment to excellence that resonates with the values and aspirations of Dickinson’s residents.

Why Choose Tax-Planned Financial Planning?

In the ever-evolving financial landscape, the importance of tax-planned financial planning cannot be overstated. Unlike structured settlements, which often offer limited flexibility, our approach focuses on the numbers that truly matter. By leveraging tax-efficient strategies, we help you maximize your wealth, ensuring that every dollar works harder for you. The math is clear: tax-planned financial planning is a superior choice for those seeking to preserve and grow their wealth.

Customized Wealth Strategies for High-Net-Worth Portfolios

Our specialization lies in crafting bespoke financial strategies for portfolios exceeding $1 million. We understand the unique challenges and opportunities that come with managing substantial wealth. Our holistic approach encompasses wealth management, optimized tax strategies, and estate planning, all tailored to align with your personal goals and values. Whether you’re a business owner, medical professional, or corporate executive, our services are designed to help you navigate the complexities of wealth management with confidence.

Expertise Rooted in Legal and Financial Acumen

Amy Zamikovsky, JD, CFP®, CPWA®, brings over 15 years of experience in wealth management, estate planning, and financial planning. Her background as an attorney and Certified Financial Planner® professional uniquely positions her to guide you through sensitive financial discussions. Amy’s commitment to education and public protection is evident in her development of a State Bar of Texas CLE course focused on ethics, fiduciary duty, and legal settlement planning.

Comprehensive Financial Services Tailored to Your Needs

  • Estate Planning: Collaborating with your team of professionals, we ensure your estate plan reflects your wishes and integrates seamlessly with your financial strategy.
  • Wealth Management: Our investment recommendations are grounded in conservative financial planning, ensuring your portfolio aligns with your goals and values.
  • Settlement Planning: We demonstrate how traditional financial planning often outperforms structured products, even after taxes, letting the math speak for itself.
  • Windfall and Lottery Planning: Transform unexpected financial gains into lasting legacies through strategic tax planning and alternative investments.
  • Tax Planning: From estate to capital gains taxes, our strategies provide a clear path forward, working closely with CPAs for optimal implementation.
  • Retirement and Exit Planning: Whether preparing for retirement or transitioning from business ownership, our services help you maximize value and preserve your legacy.
  • 401(k) Optimization: Ensure your retirement account aligns with your broader financial goals, avoiding common pitfalls with our fiduciary guidance.
  • Divorce Financial Planning and Personal Divorce Strategist Services: We offer expert guidance and advocacy, helping you make informed decisions during challenging times.
  • Inheritance Planning: We assist in managing estates with compassion and expertise, ensuring a smooth transition during difficult times.

Serving the City of Dickinson and Beyond

While we proudly serve clients nationwide, our introduction to the City of Dickinson is a testament to our commitment to providing exceptional financial services wherever you are. Whether you’re a high-net-worth family, business owner, or retiree, our expertise extends far beyond geographic boundaries, ensuring you receive the personalized attention you deserve.

Contact Us

To learn more about how our wealth management and financial planning services can benefit you, please reach out to us by appointment at our Houston office:

Office Address
820 Gessner Road
Houston, Texas 77024

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

We look forward to partnering with you on your financial journey, helping you build and sustain generational wealth with confidence and clarity.