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

Welcome to the charming City of Seabrook, a vibrant coastal community nestled along the shores of Galveston Bay. Known for its picturesque waterfront views and rich maritime history, Seabrook is a place where tradition meets innovation, making it an ideal setting for building lasting legacies. Here, amidst the serene beauty of the bay, we introduce Amy Zamikovsky, JD, CFP®, CPWA®, a distinguished Senior Financial Advisor and Texas Attorney dedicated to serving the unique financial needs of this community.

At the heart of Seabrook, where the gentle sea breeze carries tales of the past and whispers of the future, Amy Zamikovsky brings over 15 years of expertise in wealth management, estate planning, and financial planning. With a B.S. in Biology from Southeastern Louisiana University and a J.D. from the University of Houston Law Center, Amy’s journey is a testament to her commitment to excellence and her passion for empowering clients through informed financial decisions.

Our founding story is rooted in the belief that financial planning is not just about numbers; it’s about building legacies for generations. In Seabrook, where community values and personal connections are cherished, Amy’s approach is both personal and professional. As a fiduciary, she is legally and ethically bound to act in the best interests of her clients, ensuring that every financial strategy is tailored to their unique goals and circumstances.

Seabrook’s proximity to Houston, a bustling metropolis known for its diverse economy and cultural richness, provides a dynamic backdrop for Amy’s services. Her affiliations with esteemed organizations such as the Houston Association of Women Attorneys, Houston Estate and Financial Forum, and the Houston Bar Association reflect her deep ties to the local professional community. These connections enable her to offer comprehensive financial advisory services that address the specific needs of Seabrook’s residents.

Amy’s expertise extends beyond Seabrook, serving clients nationwide who appreciate her personalized attention and strategic insights. Whether you’re navigating the complexities of divorce, planning for retirement, or managing a windfall, Amy’s financial planning services are designed to provide clarity and confidence. Her role as a Personal Divorce Strategist combines her legal acumen with her financial planning skills, offering clients a trusted advocate during challenging times.

In Seabrook, where the community thrives on collaboration and innovation, Amy’s wealth management services are grounded in sound, conservative financial planning. Every investment recommendation is carefully considered to align with your goals and values, ensuring that your portfolio is a true reflection of your aspirations.

Tax planning is another cornerstone of Amy’s practice, emphasizing the importance of strategic financial planning over structured settlements. By working closely with CPAs, she provides a clear, quantified picture of optimal strategies, from estate taxes to Roth conversions, helping clients make informed decisions that maximize their financial potential.

For those in Seabrook experiencing life transitions, such as receiving an inheritance or winning the lottery, Amy offers specialized planning services to protect and grow your wealth. Her approach is both empathetic and pragmatic, recognizing the emotional and financial complexities of these situations.

As we introduce Amy Zamikovsky to the City of Seabrook, we do so with humility and gratitude for the trust and opportunity given by our clients. Our commitment to personal attention and care is unwavering, ensuring that every client feels valued and supported on their financial journey.

While our office is based in Houston, our reach extends far beyond, serving clients who travel extensively or have multiple residences. We invite you to discover how Amy’s expertise can help you transform your wealth into a lasting legacy, one that honors the spirit of Seabrook and the dreams of its residents.

For appointments and inquiries, please contact us at:

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

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

In Seabrook, where the past and future converge, we are here to help you build a legacy that stands the test of time.

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

Navigating the complexities of divorce can be daunting, especially when it comes to financial planning. Here in the City of Seabrook, a charming coastal community known for its scenic views and vibrant maritime culture, residents can find solace in the expert guidance of Attorney Amy Zamikovsky, JD, CFP®, CPWA®. With over 15 years of experience in wealth management, estate planning, and financial planning, Amy brings a wealth of knowledge and a compassionate approach to those facing the financial intricacies of divorce.

Divorce Financial Planning

At the heart of Seabrook, where the community thrives on its close-knit relationships and local traditions, we understand the unique challenges that come with divorce. We don’t just work with clients like you – we’ve been there ourselves. This personal experience fuels our commitment to providing exceptional service and support.

Fact-Finding

Our process begins with getting to know you – the real you. In a city like Seabrook, where personal connections matter, we take the time to understand your individual circumstances and financial landscape. Our thorough and empathetic approach ensures that every detail impacting your financial future is considered. We aim to provide clarity and confidence during the financial negotiations of your divorce, empowering you to make informed decisions. Your customized financial plan will serve as a robust foundation for building the future you deserve.

Planning

The next chapter of your life starts here, in the serene surroundings of Seabrook. We craft personalized financial strategies tailored to your unique goals, both immediate and long-term. Our meticulous planning process illuminates the possibilities in your new phase of life, helping you achieve financial independence. By identifying your short-term needs and aligning them with your long-term aspirations, we ensure that your financial journey is as smooth as the gentle waves along Seabrook’s shores.

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 and implement our strategies. As your fiduciary, we are committed to ensuring that every personalized recommendation is truly in your best interest. In Seabrook, where community values are paramount, we uphold the highest standards of integrity and transparency.

Introducing Amy Zamikovsky, JD, CFP®, CPWA®

Amy Zamikovsky, JD, CFP®, CPWA®, is a Senior Financial Advisor at Transform Wealth, with a distinguished career that spans over 15 years. She holds a B.S. in Biology from Southeastern Louisiana University and a J.D. from the University of Houston Law Center. Her journey in financial planning began at Merrill Lynch, where she earned her CERTIFIED FINANCIAL PLANNER® designation, followed by her Certified Private Wealth Advisor® designation from the Yale School of Management. As an experienced Attorney and Counselor at Law in the State of Texas, Amy leverages her legal expertise to develop customized financial strategies that effectively build, preserve, and transfer wealth. Her passion for educating and financially protecting the public is evident in her development and teaching of a State Bar of Texas CLE course focused on ethics, fiduciary duty, and legal settlement planning.

Our Commitment to Seabrook

While we are introducing ourselves to the City of Seabrook, we are not implying that we are located there or planning to move there. Instead, we represent clients around the world, including but not limited to Seabrook. Our office is located at 820 Gessner Road, Houston, Texas 77024, and we are available by appointment only. You can reach us at contact@attorneyamycfp.com or by phone at (512) 537-2221.

In Seabrook, where the community is as vibrant as its coastal scenery, we are here to support you through every step of your financial journey. Whether you are navigating the complexities of divorce or planning for a prosperous future, Attorney Amy Zamikovsky, JD, CFP®, CPWA®, is dedicated to helping you achieve your financial goals with confidence and clarity.

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

Congratulations, City of Seabrook lottery winners! You’ve just hit the jackpot, and your life is about to transform in ways you’ve only imagined. Nestled along the picturesque shores of Galveston Bay, Seabrook is a charming coastal community known for its vibrant marinas, scenic parks, and rich maritime history. As you celebrate this incredible moment, it’s crucial to consider the decisions that will shape 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 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 to protect assets and minimize taxes
  • Assemble a team of vetted attorneys, CPAs, and bankers
  • Maintain your privacy and security
  • Manage 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 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, JD, CFP®, CPWA®?

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 Seabrook, 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 Seabrook.

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

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

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

Nestled along the picturesque shores of Galveston Bay, the City of Seabrook offers a unique blend of coastal charm and vibrant community life. Known for its scenic waterfront views and a rich maritime history, Seabrook is a place where tradition meets modernity. While the city is celebrated for its natural beauty and cultural heritage, it also serves as a hub for professionals seeking expert financial advice. This is where Attorney Amy Zamikovsky, JD, CFP®, CPWA®, steps in to provide unparalleled guidance in wealth management and financial planning.

Imagine you’ve just won a significant case, securing a $1 million contingency fee. A structured settlement broker might suggest deferring your fee into a “tax-advantaged” annuity. While this may sound appealing, is it truly the most beneficial 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 meticulously analyze the numbers before making a decision.

The True Cost of Deferral

Consider the scenario where you’re in the top federal tax bracket of 37%. On a $1 million fee, this results in a $370,000 tax bill if taken as a lump sum. While this may seem daunting, let’s compare the potential outcomes of investing the remaining $630,000 versus deferring the full $1 million over 20 years:

Scenario 1: Invest $630K Lump Sum

  • With a 6% annual return, your investment grows to $2.0 million in 20 years.
  • With an 8% annual return, it reaches $2.9 million in 20 years.

Scenario 2: Defer $1M as $50K/Year for 20 Years

  • Total payments amount to $1 million.
  • The net result after 20 years remains $1 million.

The disparity is striking. Even after paying $370,000 in taxes, you could end up with $1 to $1.9 million more by opting for the lump sum and investing it. The long-term benefits are even more pronounced. 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 significant wealth gap, 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. Unfortunately, banks won’t lend against deferred fees. If you wish to adjust your investments or estate plan, your money remains inaccessible.

More Tax-Efficient Growth

What about the “tax-free growth” that structured settlement companies often 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.
  • 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 simplistic 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, you can invest your lump sum in low-cost index funds, minimizing 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. You’ll likely discover 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 learn how we can help you maximize your hard-earned wealth.

Connect with Us

While we are introducing ourselves to the City of Seabrook, it’s important to note that we represent clients worldwide, including those in Seabrook. Our office is located by appointment only at:

820 Gessner Road
Houston, Texas 77024

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

Attorney 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. With a B.S. in Biology from Southeastern Louisiana University and a J.D. from the University of Houston Law Center, Amy’s credentials are further enhanced by her CERTIFIED FINANCIAL PLANNER® and Certified Private Wealth Advisor® designations. As a licensed Texas Attorney, she leverages her legal expertise to craft customized financial strategies that effectively build, preserve, and transfer wealth. Passionate about education and financial protection, Amy also teaches a State Bar of Texas CLE course on ethics, fiduciary duty, and legal settlement planning.

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

Welcome to Seabrook, a charming coastal city nestled along the shores of Galveston Bay in Texas. Known for its scenic beauty, vibrant community, and nautical heritage, Seabrook offers a unique blend of small-town charm and modern amenities. As we introduce our wealth management and financial planning services to this picturesque locale, we invite you to explore how our expertise can help you navigate the complexities of financial growth and preservation.

Why Choose Tax-Planned Financial Planning?

In Seabrook, where the community thrives on both tradition and innovation, making informed financial decisions is paramount. At the heart of our approach is the belief that tax-planned financial planning and wealth management offer far superior benefits compared to structured settlements. Numbers are the universal language of truth, and our strategies are rooted in the undeniable clarity that math provides. By focusing on tax efficiency, we help you maximize your wealth, ensuring that every dollar works harder for you.

Meet Amy Zamikovsky, JD, CFP®, CPWA®

Amy Zamikovsky, JD, CFP®, CPWA®, is a Senior Financial Advisor at Transform Wealth, bringing over 15 years of combined experience in wealth management, estate planning, and financial planning. With a B.S. in Biology from Southeastern Louisiana University and a J.D. from the University of Houston Law Center, Amy’s journey has been marked by a commitment to excellence and education. 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, underscore her dedication to providing top-tier financial guidance.

Our Expertise: Tailored Financial Solutions for Seabrook

In Seabrook, where the community values both heritage and progress, our financial planning services are designed to meet the unique challenges and opportunities of portfolios exceeding $1 million. Our holistic approach ensures that your wealth is not only preserved but also grows in alignment with your personal goals and values. From wealth management to optimized tax and estate planning strategies, we offer personalized solutions that empower you to build your ideal legacy.

Comprehensive Services for Every Stage of Life

Our services extend beyond traditional financial planning, offering specialized support in areas such as:

  • Estate Planning: Collaborating with your team of professionals to ensure your estate plan aligns with your financial goals.
  • Wealth Management: Making investment recommendations that reflect your values and have earned their place in your portfolio.
  • Settlement Planning: Demonstrating the financial superiority of traditional wealth management over structured products, even after taxes.
  • Windfall and Lottery Planning: Providing strategic guidance to transform sudden wealth into lasting prosperity.
  • Tax Planning: Offering clear, quantified strategies for estate, gift, income, and capital gains taxes.
  • Retirement and Exit Planning: Helping you transition smoothly into retirement or business succession with comprehensive financial strategies.
  • 401(k) Optimization: Ensuring your retirement accounts align with your broader financial goals.
  • Divorce Financial Planning: Offering objective, informed guidance to navigate the financial aspects of divorce.
  • Inheritance Planning: Assisting with the effective administration and management of estates.

Serving Seabrook and Beyond

While we are proud to introduce our services to Seabrook, our expertise extends nationwide. We cater to clients with multiple residences and those who travel extensively, ensuring that our financial strategies are as dynamic and adaptable as your lifestyle.

Our Ideal 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 focus is on portfolios exceeding $1 million, where our expertise can make a significant impact.

Connect with Us

Our office is located at 820 Gessner Road, Houston, Texas 77024, and we operate by appointment only. For inquiries, please contact us at contact@attorneyamycfp.com or call (512) 537-2221.

In Seabrook, where the beauty of the bay meets the promise of growth, we are excited to offer our wealth management and financial planning services. Let us help you navigate your financial journey with confidence and clarity.