Attorney Amy Zamikovsky, JD, CFP®, CPWA®: Wealth Management and Financial Planning in Friendswood
Welcome to Friendswood, a charming city nestled between the bustling metropolises of Houston and Galveston, where community values and a rich history blend seamlessly with modern living. As a proud part of this vibrant locale, I am thrilled to introduce myself, Amy Zamikovsky, JD, CFP®, CPWA®, to the residents of Friendswood and its neighboring areas. With over 15 years of experience in wealth management, estate planning, and financial planning, I am dedicated to building legacies for generations.
Our journey began with a commitment to providing personalized financial advisory services that cater to the unique needs of each client. Friendswood, known for its friendly neighborhoods and strong community ties, presents a dynamic market where individuals and families seek financial security and growth. My role as a fiduciary means I am legally and ethically obligated to act in your best interests, ensuring that your financial goals are met with the utmost care and diligence.
In addition to serving Friendswood, our expertise extends to nearby cities such as League City, Pearland, and Webster, reflecting our deep understanding of the local market dynamics. Our services are designed to cater to clients nationwide, including those with multiple residences and extensive travel schedules, offering a comprehensive approach to financial planning that transcends geographic boundaries.
As a CERTIFIED FINANCIAL PLANNER® professional and Certified Private Wealth Advisor® professional, I bring a wealth of knowledge and a commitment to excellence. My credentials are further supported by memberships in esteemed organizations such as the Houston Association of Women Attorneys, the Houston Estate and Financial Forum, and the Houston Bar Association’s Probate, Trusts & Estates & Litigation sections. These affiliations underscore our dedication to staying at the forefront of industry developments and best practices.
In Friendswood, we recognize the importance of tailored financial planning services. Our offerings include estate planning, where we collaborate with your team of professionals to ensure your estate plan aligns with your financial goals. Our wealth management services are grounded in conservative financial planning, ensuring your portfolio reflects your values and aspirations.
Settlement planning is another area where we excel, demonstrating that financial planning and traditional wealth management often surpass the benefits of structured settlements, even after taxes. We let the numbers speak for themselves, providing clear, data-driven insights.
For those experiencing windfalls, such as lottery winnings, our strategic tax planning and retirement planning services ensure that your newfound wealth is integrated seamlessly into your financial plan, laying the foundation for lasting prosperity.
Tax planning is a cornerstone of our approach, offering clarity on estate, gift, income, and capital gains taxes. We work closely with CPAs to implement optimal strategies, ensuring your financial future is secure.
Retirement planning is a personal pleasure and honor, as we guide you through life’s stages with expertise and care. Our exit planning services help you transition from years of hard work to a fulfilling retirement, maximizing your business’s value and preserving your legacy.
401(k) optimization is another area where we provide value, ensuring your retirement account aligns with your broader financial goals. As a fiduciary CFP® professional, I offer comprehensive advice on your entire financial picture.
Divorce financial planning and personal divorce strategist services are tailored to provide objective, informed guidance during challenging times. We evaluate settlement options and create a roadmap for financial independence, ensuring you never face critical decisions alone.
Inheritance planning is approached with sensitivity and expertise, helping you navigate the complexities of estate administration and management during difficult times.
Our firm specializes in portfolios exceeding $1 million, offering unparalleled expertise and personalized attention. While we are not physically located in Friendswood, we are proud to represent clients worldwide, including those in this wonderful community.
For appointments, please contact us at our Houston office, conveniently located at 820 Gessner Road. We look forward to the opportunity to serve you and help you build a lasting legacy.
Email: contact@attorneyamycfp.com
Phone: (512) 537-2221
Pre-and-Post Divorce Financial Planning in Friendswood with Attorney Amy Zamikovsky, JD, CFP®, CPWA®
Introducing Amy Zamikovsky, JD, CFP®, CPWA® to Friendswood
Nestled between the bustling cities of Houston and Galveston, Friendswood is a charming community known for its rich history and welcoming atmosphere. As a Senior Financial Advisor and Texas Attorney, I, Amy Zamikovsky, JD, CFP®, CPWA®, am thrilled to extend my expertise in wealth management and financial planning to the residents of Friendswood. With over 15 years of experience, I specialize in crafting personalized financial strategies that cater to the unique needs of each client, particularly during the challenging times of divorce.
Divorce Financial Planning
Divorce can be a complex and emotionally taxing process, but with the right financial planning, it can also be a time of empowerment and new beginnings. At the heart of Friendswood, a community that values family and resilience, I am committed to providing compassionate and comprehensive financial guidance to help you navigate this transition with confidence.
Fact-Finding
Understanding your financial landscape is crucial during a divorce. We take the time to get to know you—the real you—by delving into every aspect of your financial situation. Our approach is thorough yet empathetic, ensuring that you have a clear understanding of your financial picture. This clarity is vital during negotiations, as it empowers you to make informed decisions that will shape your future. In Friendswood, where community ties run deep, we recognize the importance of building a financial foundation that supports your long-term well-being.
Planning
The next chapter of your life begins with a well-crafted financial plan. We work closely with you to develop strategies that align with your current needs and future aspirations. Whether you’re looking to secure your children’s education or plan for retirement, our meticulous planning process is designed to illuminate the possibilities that lie ahead. In a city like Friendswood, where growth and opportunity abound, we help you seize the potential of your new phase of life.
Implementation
Turning plans into action is where true 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 made with your best interests in mind. In Friendswood, a place that values integrity and trust, we are dedicated to upholding these principles in every aspect of our service.
The Importance of Tax-Planned Financial Planning
In Friendswood, where financial prudence is highly regarded, we emphasize the benefits of tax-planned financial planning over structured settlements. By focusing on the numbers, we provide strategies that maximize your financial outcomes. Our approach is rooted in the belief that the math decides, and we are committed to helping you achieve financial independence through informed decision-making.
Connect with Us
While we are introducing our services to Friendswood, please note that we represent clients globally, including those in this vibrant community. Our office is located at 820 Gessner Road, Houston, Texas 77024, and we are available by appointment only. For inquiries, please contact us at (512) 537-2221 or email contact@attorneyamycfp.com.
In Friendswood, a city that embodies both tradition and progress, we are excited to offer our expertise in pre-and-post divorce financial planning. With a focus on personalized service and a commitment to your financial well-being, we are here to support you every step of the way.
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 about to transform in ways you’ve only imagined. Amidst the excitement and thrill of sudden wealth, you face crucial decisions that will shape your financial security 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
Safeguarding your newfound wealth is of utmost importance. Without proper 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 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
Friendswood Structured Attorney Fees: Why Deferral Costs Millions, Even After Taxes
You’ve just won a significant case and secured a $1 million contingency fee. The structured settlement broker suggests deferring your fee into a “tax-advantaged” annuity. While this may sound appealing, is it truly the best financial decision? In most cases, the answer is a resounding no—even for attorneys in the highest tax bracket. Here’s why savvy 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 translates to a $370,000 tax bill if taken 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 access 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 boast about? 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 engineer 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.
Our Commitment to Friendswood
While we are not located in Friendswood, we proudly represent clients around the world, including those in Friendswood. We understand the unique needs of our clients in this charming Texas community, known for its rich history and vibrant culture. Whether you’re strolling through Stevenson Park or enjoying the local events at the Friendswood Historical Society, we’re here to ensure your financial future is as bright as the community you call home.
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 Friendswood! We’re Here for You!
Welcome to Friendswood, a charming city nestled between Houston and Galveston, known for its rich history, vibrant community, and picturesque landscapes. As a resident or someone with interests in Friendswood, you understand the importance of sound financial planning to secure your future and build a lasting legacy. At Transform Wealth, we are proud to introduce Amy Zamikovsky, JD, CFP®, CPWA®, a Senior Financial Advisor with over 15 years of experience in wealth management, estate planning, and financial planning.
Why Choose Tax-Planned Financial Planning?
In Friendswood, a city that values community and growth, making informed financial decisions is crucial. We emphasize the importance of tax-planned financial planning and wealth management as superior alternatives to structured settlements. The numbers tell the truth, and our strategies are designed to maximize your financial potential. With Amy’s expertise, you can rest assured that your financial plan is tailored to your unique needs, ensuring your wealth is preserved and grown efficiently.
Our Specialization: Where Legal Expertise Meets Customized Wealth Strategies
Amy Zamikovsky, a Certified Financial Planner® professional and Certified Private Wealth Advisor® professional, brings a wealth of knowledge and legal expertise to the table. Her holistic approach to financial planning is particularly beneficial for portfolios exceeding $1 million. By aligning your financial strategies with your priorities, goals, and values, Amy helps you navigate the complexities of wealth management, tax optimization, and estate planning.
Guiding You Through Sensitive Discussions
As an experienced attorney and fiduciary, Amy is uniquely positioned to guide you and your family through sensitive financial discussions. Her customized strategies empower you to build your ideal personal legacy with confidence. Whether you’re planning for retirement, managing a windfall, or navigating a divorce, Amy’s expertise ensures that you make informed decisions based on facts, not emotions.
Comprehensive Financial Services Tailored for Friendswood
Our services extend far beyond Friendswood, serving clients nationwide with multiple residences and extensive travel schedules. However, we understand the unique challenges and opportunities that come with living in this vibrant community. From estate planning to wealth management, our comprehensive services are designed to meet the needs of high-net-worth families, business owners, medical professionals, and more.
Estate Planning
We collaborate with your team of professionals, including attorneys, trustees, and 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 goals and values.
Settlement Planning
We demonstrate that financial planning and traditional wealth management often surpass the benefits of structured products, even after taxes.
Windfall and Lottery Planning
Strategic tax planning and careful integration with existing finances are key to transforming sudden wealth into lasting prosperity.
Tax and Retirement Planning
Our tax planning strategies provide a clear picture of optimal strategies, while our retirement planning services guide you through all stages of life.
Exit and 401(k) Optimization
Maximize your business’s value and optimize your retirement accounts with our expert guidance.
Divorce Financial Planning and Personal Divorce Strategist Services
Amy serves as your dedicated advocate, combining her legal and financial expertise to protect your interests during divorce proceedings.
Inheritance Planning
We assist you in managing estates effectively, ensuring a smooth transition during challenging times.
Our Firm’s Expertise: Specializing in Portfolios > $1M+
We cater to a diverse clientele, including high-net-worth families, business owners, medical professionals, estate executors, corporate executives, and more. Our expertise extends beyond Friendswood, allowing us to serve clients nationwide with the same dedication and precision.
Connect with Us
We invite you to explore the benefits of working with Amy Zamikovsky, JD, CFP®, CPWA®, and our team at Transform Wealth. Whether you’re in Friendswood or beyond, our personalized financial strategies are designed to help you achieve your goals and secure your financial future.
Office Address (By Appointment Only): 820 Gessner Road
Houston, Texas 77024
Email: contact@attorneyamycfp.com
Phone: (512) 537-2221
Discover how our expertise can transform your financial landscape and help you build a lasting legacy in Friendswood and beyond.
