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

Welcome to the City of Friendswood, a charming community nestled between Houston and Galveston, known for its friendly atmosphere and vibrant local culture. As we introduce Attorney Amy Zamikovsky, JD, CFP®, CPWA®, we are thrilled to extend our financial advisory services to this unique locale. With over 15 years of experience in wealth management, estate planning, and financial planning, Amy is dedicated to building legacies for generations.

Our founding story is rooted in a commitment to personal attention and care, values that resonate deeply with the close-knit community of Friendswood. We understand the local market’s needs, from the bustling city life of nearby Houston to the serene landscapes of Galveston Bay. Our services are designed to meet the diverse financial goals of Friendswood residents, ensuring that each plan is as unique as the individuals we serve.

Amy Zamikovsky, JD, CFP®, CPWA®, is not only a Senior Financial Advisor but also a proud member of several esteemed professional organizations, including the Houston Association of Women Attorneys, the Houston Estate and Financial Forum, and the Houston Bar Association’s Probate, Trusts & Estates & Litigation sections. As a fiduciary, Amy is legally and ethically obligated to act in the best interests of her clients, a responsibility she embraces with humility and gratitude.

Our expertise extends nationwide, catering to clients with multiple residences and those who travel extensively. However, our focus remains on providing exceptional service to the Friendswood community. We offer a comprehensive suite of financial planning services, including estate planning, wealth management, and tax planning, all tailored to the specific needs of our clients.

Estate Planning: We collaborate with a team of professionals, from attorneys to CPAs, to 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 that financial planning and traditional wealth management often surpass the benefits of structured settlements, even after taxes.

Windfall Planning: We help you navigate cash flow surges with strategic tax planning, retirement planning, and alternative investments.

Lottery Planning: Transform your newfound wealth into a lasting legacy with our expert guidance.

Tax Planning: Our tax planning services provide a clear picture of optimal strategies, working closely with CPAs for seamless 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: We ensure your retirement account aligns with your broader financial goals and risk tolerance.

Divorce Financial Planning: Our services offer objective guidance to help you make informed decisions during a divorce, creating a roadmap for financial independence.

Personal Divorce Strategist: As your advocate, Amy combines her legal and financial expertise to protect your interests throughout the divorce process.

Inheritance Planning: We assist in managing estates with compassion and expertise, ensuring a smooth transition during difficult times.

Our firm specializes in portfolios exceeding $1 million, providing bespoke financial solutions to clients in Friendswood and beyond. While our office is located in Houston, we are proud to serve clients worldwide, including those in the City of Friendswood.

For more information or 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 the Friendswood community, helping you build a legacy that lasts for generations.

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

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

Nestled between the bustling cities of Houston and Galveston, the City of Friendswood is a charming community known for its friendly atmosphere and rich history. As a Senior Financial Advisor and a licensed Texas Attorney, I, Amy Zamikovsky, JD, CFP®, CPWA®, am thrilled to extend my expertise in financial planning and wealth management to the residents of Friendswood. With over 15 years of experience, I am dedicated to helping individuals navigate the complexities of financial planning, especially during life transitions such as divorce.

The Importance of Tax-Planned Financial Planning

In Friendswood, as in many parts of Texas, the financial landscape can be intricate, particularly when it comes to divorce. The numbers are clear: tax-planned financial planning and wealth management often provide superior financial benefits compared to structured settlements. By focusing on the math, we ensure that every financial decision is backed by solid data, offering you the clarity and confidence needed to make informed choices.

Divorce Financial Planning

Divorce can be a challenging time, both emotionally and financially. Having been through similar experiences, I understand the concerns you may have. My approach is rooted in empathy and expertise, ensuring that you receive the guidance you need to secure your financial future.

Fact-Finding

In Friendswood, we take the time to truly understand you and your unique financial situation. Our comprehensive fact-finding process delves into every detail that could impact your financial future. By working closely with you, we aim to provide clarity and confidence during the financial negotiations of your divorce. Your customized financial plan will serve as a strong foundation for building the future you deserve.

Planning

The next chapter of your life begins here. We craft personalized financial strategies tailored to your specific goals, both immediate and long-term. Our meticulous planning process illuminates the possibilities in your new phase of life, helping you achieve financial independence and peace of mind.

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 implement our strategies. As your fiduciary, we ensure that every recommendation is in your best interest, providing you with the support you need to move forward confidently.

Serving the City of Friendswood

While we are introducing our services to the City of Friendswood, it is important to note that we represent clients worldwide, including but not limited to Friendswood. Our office is located at 820 Gessner Road, Houston, Texas 77024, and we are available by appointment only. For inquiries, please contact us at contact@attorneyamycfp.com or call (512) 537-2221.

In conclusion, whether you are navigating the complexities of divorce or planning for a prosperous future, I am here to guide you every step of the way. With a focus on tax-planned financial planning and wealth management, we are committed to helping you achieve financial success and security.

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

Congratulations, Friendswood lottery winners! You’ve just hit the jackpot, and your life is poised for a transformation beyond your wildest dreams. Amidst the exhilaration and awe of newfound wealth, you face crucial decisions that will shape your financial future for generations. 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’m here to help you navigate this thrilling yet overwhelming time with confidence and clarity.

Preserve Your Winnings

Safeguarding your newfound wealth is paramount. Without proper legal structures and financial strategies, your millions could be vulnerable to taxes, lawsuits, scams, and mismanagement. As your trusted advisor, I’ll help you:

  • Create a Trust and Estate Plan: Protect your assets and minimize taxes with a robust estate plan tailored to your unique needs.
  • Assemble a Team of Experts: I’ll connect you with vetted attorneys, CPAs, and bankers to ensure comprehensive financial management.
  • Maintain Privacy and Security: Your peace of mind is my priority; I’ll help you keep your affairs confidential and secure.
  • Manage Donation and Investment Requests: I’ll guide you in evaluating and responding to incoming requests with prudence.

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 Lifestyle and Legacy Goals: Clarify your short and long-term objectives to create a roadmap for your financial future.
  • Invest for Growth and Preservation: Optimize your portfolio for growth, income, and capital preservation.
  • Maximize Tax Efficiency: Utilize strategic accounts and asset allocation to enhance tax efficiency.
  • Secure Retirement: Invest in income-generating assets to ensure a comfortable retirement.
  • Establish Trusts and Gifts: Plan for future generations with trusts and gifting strategies.

Give with Confidence

If philanthropy is one of your priorities, it is my personal pleasure to guide you on 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 Friendswood, not implying that we’re located there nor moving there, only that we represent clients around the world, including but not limited to Friendswood.

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

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

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

Nestled between the bustling cities of Houston and Galveston, the City of Friendswood offers a unique blend of small-town charm and metropolitan convenience. Known for its friendly community spirit and lush green spaces, Friendswood is a place where tradition meets progress. Here, in this vibrant locale, we delve into the financial intricacies that can significantly impact the wealth of attorneys and their clients.

You’ve just secured a $1 million contingency fee from a major case victory. A structured settlement broker suggests deferring your fee into a “tax-advantaged” annuity. While this may sound appealing, 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

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 take the lump sum. Painful, yes, 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 could 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 an 8% return, 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, taking a lump sum provides invaluable liquidity and leverage. 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. Want to adjust your investments or estate plan? With a deferred fee, your money is locked up, limiting your flexibility.

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 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
  • Benefit from 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-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 gone—an amount that could grow to $452,593 over 30 years at an 8% return! 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, consult 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’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.

Connect with Us

While we are introducing ourselves to the City of Friendswood, please note that we represent clients worldwide, including but not limited to this charming community.

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

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

With over 15 years of expertise, Amy Zamikovsky, JD, CFP®, CPWA®, is a Senior Financial Advisor at Transform Wealth. She combines her extensive knowledge in wealth management, estate planning, and financial planning to craft customized strategies that efficiently build, preserve, and transfer wealth. As a licensed Texas Attorney, Amy is dedicated to educating and financially protecting the public, offering insights into ethics, fiduciary duty, and legal settlement planning through her State Bar of Texas CLE course. Reach out to Amy for expert guidance tailored to your financial journey.

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

Nestled between the bustling cityscape of Houston and the serene Galveston Bay, Friendswood, Texas, offers a unique blend of small-town charm and metropolitan convenience. Known for its strong sense of community and rich history, Friendswood is a place where families thrive and businesses grow. As we introduce our wealth management and financial planning services to this vibrant community, we are excited to offer tailored solutions that meet the specific needs of Friendswood residents.

Why Choose Tax-Planned Financial Planning?

In Friendswood, as in many parts of Texas, financial planning is not just about managing money—it’s about building a legacy. Our focus on tax-planned financial planning and wealth management provides a clear advantage over structured settlements. By leveraging the power of numbers, we ensure that every financial decision is backed by solid math, helping you maximize your wealth and minimize your tax liabilities. This approach is particularly beneficial for high-net-worth individuals and families in Friendswood, where preserving and growing wealth is paramount.

Customized Wealth Strategies with Legal Expertise

Attorney Amy Zamikovsky, JD, CFP®, CPWA®, brings over 15 years of experience in wealth management, estate planning, and financial planning to Friendswood. With a background in law and finance, Amy is uniquely positioned to offer customized financial strategies that align with your goals and values. Her expertise as a Certified Financial Planner® professional and Certified Private Wealth Advisor® professional ensures that your financial plan is both comprehensive and tailored to your unique circumstances.

Serving Friendswood and Beyond

While we are proud to serve clients nationwide, our services are particularly relevant to the residents of Friendswood. Whether you’re a business owner, medical professional, or retiree, our holistic approach to financial planning helps you navigate the complexities of wealth management. From estate planning to tax optimization, we work with your team of professionals to ensure that your financial plan reflects your current wishes and future aspirations.

Comprehensive Financial Services for Friendswood Residents

  • Estate Planning: Collaborating with attorneys, trustees, and CPAs, we ensure your estate plan is aligned with your financial goals.
  • Wealth Management: Our investment recommendations are grounded in conservative financial planning, ensuring your portfolio reflects your values.
  • Settlement Planning: We demonstrate how traditional financial planning often surpasses structured settlements in financial benefits.
  • Windfall and Lottery Planning: Transform unexpected financial gains into lasting legacies with strategic planning.
  • 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 a business, our services help maximize value and preserve your legacy.
  • 401(k) Optimization: Align your retirement account with broader financial goals, avoiding common pitfalls with our fiduciary guidance.
  • Divorce Financial Planning: Navigate divorce with confidence, using our expertise to make informed decisions for financial independence.
  • Inheritance Planning: We assist in managing estates with compassion and expertise, ensuring a smooth transition during difficult times.

Attracting High-Net-Worth Clients in Friendswood

Our firm specializes in managing portfolios exceeding $1 million, catering to high-net-worth families, business owners, medical professionals, and more. We understand the unique challenges and opportunities faced by Friendswood residents and are committed to providing personalized financial solutions that empower you to achieve your financial goals.

Connect with Us

While our office is located in Houston, we are just a call or email away for Friendswood residents seeking expert financial guidance. Schedule an appointment to discover how our services can benefit you and your family.

  • Office Address: BY APPOINTMENT ONLY, 820 Gessner Road, Houston, Texas 77024
  • Email: contact@attorneyamycfp.com
  • Phone: (512) 537-2221

At Attorney Amy Zamikovsky, JD, CFP®, CPWA®, we are dedicated to helping you build, preserve, and transfer wealth with confidence. Whether you’re in Friendswood or beyond, our expertise is at your service.