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

Greetings to the vibrant community of the City of Hitchcock! I am Amy Zamikovsky, JD, CFP®, CPWA®, and I am thrilled to introduce my wealth management and financial planning services to this unique and dynamic locale. Nestled in the heart of Galveston County, Hitchcock is a place where tradition meets progress, and I am honored to extend my expertise to its residents.

With over 15 years of experience in wealth management, estate planning, and financial advisory services, I have dedicated my career to building legacies for generations. 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 professional path led me to earn the prestigious CERTIFIED FINANCIAL PLANNER® and Certified Private Wealth Advisor® designations, equipping me with the skills to craft personalized financial strategies that align with your goals and values.

In Hitchcock, a city known for its rich history and close-knit community, I recognize the importance of addressing local market needs with sensitivity and understanding. Whether you’re planning for retirement, managing an inheritance, or navigating the complexities of divorce, my role as a fiduciary ensures that your best interests are always at the forefront. I am committed to providing personal attention and care to each client, valuing the trust and opportunity you grant me.

Our services are designed to cater to the diverse needs of Hitchcock’s residents, from estate planning to wealth management, and beyond. We collaborate with a network of professionals, including attorneys, trustees, and CPAs, to ensure your estate plan is comprehensive and effective. Our wealth management strategies are rooted in conservative financial planning, ensuring your investments reflect your aspirations and have earned their place in your portfolio.

For those experiencing windfalls or lottery winnings, we offer strategic tax planning and investment advice to secure your financial future. Our tax planning services provide clarity on estate, gift, and income taxes, working closely with CPAs to implement optimal strategies.

Retirement planning is another cornerstone of our offerings, where we guide you through life’s stages with expertise and empathy. Our 401(k) optimization services help you maximize your retirement accounts, aligning them with your broader financial goals.

In times of personal transition, such as divorce, our financial planning services provide objective guidance and support. As your Personal Divorce Strategist, I combine my legal and financial expertise to protect your interests, ensuring you make informed decisions based on facts rather than emotions.

Inheritance planning is handled with the utmost care and respect, assisting you in assembling a team of professionals to manage and administer estates effectively. No matter where you are, we are here to support you.

Our commitment to excellence is reflected in our affiliations 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. These memberships underscore our dedication to maintaining the highest standards of professionalism and ethics.

While our office is based in Houston, we proudly serve clients nationwide, including those in the City of Hitchcock. We understand the unique needs of clients with multiple residences and those who travel extensively, offering expertise that transcends geographic boundaries.

Thank you for welcoming us into your community. We look forward to building lasting relationships and helping you achieve financial success. Please feel free to reach out to us by appointment at our Houston office or contact us via email or phone.

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

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

Together, let’s transform your wealth into a legacy that endures for generations.

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

Welcome to the City of Hitchcock, a charming community nestled in Galveston County, Texas. Known for its rich history and close-knit community, Hitchcock offers a unique blend of small-town warmth and proximity to the bustling city life of Houston. As we introduce our specialized services to this vibrant locale, we aim to provide residents with expert financial guidance during one of life’s most challenging transitions—divorce.

Introducing Amy Zamikovsky, JD, CFP®, CPWA®

Amy Zamikovsky, JD, CFP®, CPWA® is a Senior Financial Advisor at Transform Wealth, with 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. During her tenure 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

Navigating the financial complexities of divorce can be daunting, but with Attorney Amy Zamikovsky, JD, CFP®, CPWA®, you’re not alone. We understand the unique challenges faced by residents of the City of Hitchcock and are here to provide support and guidance every step of the way.

Fact-Finding

In the heart of Hitchcock, where community values are cherished, we prioritize getting to know you—the real you. Our comprehensive approach delves into every aspect of your financial situation, ensuring that you have a clear understanding of your financial landscape. We provide clarity and confidence during the financial negotiations of your divorce, crafting a customized financial plan that lays a strong foundation for your future.

Planning

As you embark on the next chapter of your life, our tailored financial strategies are designed to meet your unique goals. We work closely with you to identify both short-term needs and long-term aspirations, fostering financial independence. Our meticulous planning process illuminates the possibilities that lie ahead in your new phase of life, empowering you to embrace the future with confidence.

Implementation

Real 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 every strategy is implemented effectively. As your fiduciary, we are committed to making personalized recommendations that are truly in your best interest, guiding you towards a secure financial future.

Our Commitment to the City of Hitchcock

While we are introducing our services to the City of Hitchcock, we want to emphasize that we represent clients globally, including those in this wonderful community. Our office, located at 820 Gessner Road, Houston, Texas 77024, operates by appointment only, allowing us to provide personalized attention to each client. We invite you to reach out via email at contact@attorneyamycfp.com or by phone at (512) 537-2221 to discuss how we can assist you in achieving your financial goals.

In the City of Hitchcock, where history and community spirit converge, we are honored to offer our expertise in pre-and-post divorce financial planning. With Amy Zamikovsky, JD, CFP®, CPWA®, by your side, you can navigate the complexities of divorce with confidence, knowing that your financial future is in capable hands.

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

Congratulations, City of Hitchcock lottery winners! You’ve just unlocked a world of possibilities with your newfound fortune. While the excitement of winning can be overwhelming, it’s crucial to make informed decisions that will secure your financial future for generations to come. As a CERTIFIED FINANCIAL PLANNER® professional, Certified Private Wealth Advisor® professional, and an experienced attorney, I, Amy Zamikovsky, am here to guide you through this exhilarating journey with confidence and clarity.

Preserve Your Winnings

Safeguarding your wealth is essential to ensure it remains a blessing rather than a burden. Without the right legal frameworks and financial strategies, your millions could be at risk from taxes, lawsuits, scams, and mismanagement. As your trusted advisor, I will assist you in:

  • Crafting a comprehensive trust and estate plan to protect your assets and minimize tax liabilities
  • Assembling a team of vetted professionals, including attorneys, CPAs, and bankers, to support your financial journey
  • Maintaining your privacy and security in the face of newfound attention
  • Managing incoming requests for donations and investments with discernment

Plan for a Lifetime of Wealth

Your jackpot doesn’t have to be a fleeting windfall. With strategic planning, it can become the foundation for enduring prosperity. Leveraging my extensive experience as a CFP® professional and CPWA® professional, I will develop a personalized wealth management plan to help you:

  • Define your short and long-term lifestyle and legacy goals
  • Invest wisely for optimal growth, income, and capital preservation
  • Maximize tax efficiency through strategic account management and asset allocation
  • Secure your retirement with income-generating investments
  • Establish trusts and gifts to benefit future generations

Give with Confidence

If philanthropy is a priority for you, I am delighted to guide you in transforming one-time gifts into lasting charitable legacies. With tools like donor-advised funds and family foundations, you can translate your values into impactful giving that inspires your family for generations.

Enjoy Your Winnings

Now is the time to indulge in the dreams you’ve always cherished. Whether it’s a dream home, travel, a college fund, or that sports car you’ve always wanted, I’ll help you allocate funds prudently. With a balanced approach, you can enjoy your blessings while ensuring long-term financial health.

Why Trust Amy Zamikovsky?

Winning the lottery thrusts you into the complex world of sudden wealth, where one misstep could cost you millions. You need a financial quarterback who understands the unique challenges of managing an overnight fortune and has a proven track record 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 transform sudden windfalls into lasting wealth. My legal background enables me to craft robust 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 prioritize your interests, allowing you to enjoy your spectacular windfall with peace of mind.

Your Best Day Ever Could Be Today

If you’re holding a golden ticket, don’t delay in planning 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 introduction to the City of Hitchcock. While we are not located there, nor are we moving there, we proudly represent clients worldwide, including those in the City of Hitchcock.

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

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

City of Hitchcock 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 optimal financial decision? For most attorneys, even those in the highest tax bracket, the answer is a resounding no. Here’s why astute 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 equates to a $370,000 tax bill if taken as a lump sum. That’s substantial. However, 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! And the benefits only increase over time. 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 substantial 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 typically won’t lend against deferred fees. Want to adjust your investments or estate plan? Unfortunately, your money is locked up with deferral.

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
  • Take advantage of the lower long-term capital gains rate

A skilled CERTIFIED FINANCIAL PLANNER® professional, especially a Certified Private Wealth Advisor® professional, can help you design a far more tax-smart approach than the blunt deferral method.

The Hidden Fees

Here’s another deferral pitfall: 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 that we are just introducing ourselves to the City of Hitchcock, 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 Hitchcock.

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.

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 the City of Hitchcock! We’re Here for You!

Welcome to the City of Hitchcock, a charming community nestled in the heart of Galveston County, Texas. Known for its rich history and close-knit community, Hitchcock offers a unique blend of small-town charm and proximity to the bustling Houston metropolitan area. As we introduce our wealth management and financial planning services to this vibrant locale, we are excited to bring our expertise to the residents of Hitchcock and beyond.

Why Choose Tax-Planned Financial Planning?

In the world of financial planning, numbers tell the true story. At the core of our philosophy is the belief that tax-planned financial planning and wealth management provide far superior benefits compared to structured settlements. By focusing on the math, we empower our clients to make informed decisions that align with their financial goals. Our specialization in financial planning, where legal expertise meets customized wealth strategies, allows us to serve the unique challenges and opportunities of portfolios exceeding $1 million. Our holistic approach helps clients preserve and grow their wealth while enjoying life to the fullest.

Meet Amy Zamikovsky, JD, CFP®, CPWA®

Amy Zamikovsky, JD, CFP®, CPWA®, is a Senior Financial Advisor at Transform Wealth with over 15 years of experience in wealth management, estate planning, and financial planning. Holding a B.S. in Biology from Southeastern Louisiana University and a J.D. from the University of Houston Law Center, Amy’s journey in financial planning began at Merrill Lynch, where she earned her CERTIFIED FINANCIAL PLANNER® designation. She further honed her expertise by obtaining the Certified Private Wealth Advisor® designation through the Yale School of Management. As an experienced attorney and fiduciary in Texas, Amy is uniquely positioned to guide you and your family through sensitive financial discussions, empowering you to build your ideal personal legacy.

Our Services Tailored for Hitchcock

Estate Planning

In Hitchcock, where family ties run deep, ensuring your estate plan reflects your current wishes is crucial. We collaborate with your team of professionals, including attorneys, trustees, and CPAs, to integrate your estate plan seamlessly with your financial goals.

Wealth Management

Our investment recommendations are rooted in sound, conservative financial planning. We ensure that your portfolio holdings align with your goals and values, earning their place in your financial strategy.

Settlement Planning

For residents of Hitchcock, financial planning and traditional wealth management often surpass the benefits of structured products, even after taxes. Whether you’re a client or a plaintiff’s attorney, we let the math speak for itself.

Windfall and Lottery Planning

Sudden financial gains, such as lottery winnings, present opportunities for strategic planning. Our expertise ensures that your newfound wealth transforms into a lasting legacy, benefiting you and your loved ones.

Tax and Retirement Planning

Navigating the complexities of taxes and retirement is essential for Hitchcock residents. Our tax planning strategies provide a clear, quantified picture of optimal paths forward, while our retirement planning services support you through all life stages.

Exit and 401(k) Optimization

As you prepare to transition from your business or optimize your 401(k), our comprehensive financial planning services help maximize value, minimize taxes, and preserve your legacy.

Divorce Financial Planning and Personal Divorce Strategist

Divorce can be a challenging time, but our divorce financial planning services offer expert guidance to help you make informed decisions. As your Personal Divorce Strategist, Amy combines her legal and financial expertise to protect your best interests, ensuring you never face critical decisions alone.

Inheritance Planning

In times of loss, we’re here to support Hitchcock families in moving forward. We assist in assembling a team of reputable professionals to manage and administer estates effectively, regardless of jurisdiction.

Our Expertise for High-Net-Worth Clients

We specialize 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. Our services extend nationwide, catering to clients with multiple residences and extensive travel, ensuring our expertise reaches far beyond Hitchcock.

Connect with Us

While we are introducing our services to the City of Hitchcock, we proudly represent clients worldwide. To learn more about how we can assist you in achieving your financial goals, please contact 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 helping you navigate the complexities of wealth management and financial planning, ensuring your financial future is as bright as the community of Hitchcock itself.