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

Welcome to the world of Attorney Amy Zamikovsky, JD, CFP®, CPWA®, where we specialize in building legacies for generations. As a Senior Financial Advisor and Texas Attorney, I am thrilled to extend my expertise in wealth management and financial planning to the diverse and vibrant communities across North America. With over 15 years of experience, 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 has been enriched by my time at Merrill Lynch, where I earned my CERTIFIED FINANCIAL PLANNER® designation, and further advanced through the Yale School of Management to become a Certified Private Wealth Advisor® professional.

In North America, a region known for its cultural richness and economic dynamism, the need for personalized and strategic financial advisory services is ever-growing. From the bustling streets of New York City to the innovative hubs of Silicon Valley, and the historic charm of cities like Boston and Philadelphia, my services are tailored to meet the unique financial landscapes and aspirations of each locale. As a fiduciary, I am committed to acting in the best interests of my clients, ensuring that every financial strategy is not only sound but also aligned with your personal goals and values.

Our firm proudly serves clients nationwide, including those with multiple residences and extensive travel schedules. This broad reach allows us to bring a wealth of knowledge and a nuanced understanding of diverse financial environments to our clients in North America. Whether you’re navigating the complexities of estate planning or seeking to optimize your 401(k), our approach is rooted in a deep respect for the trust and opportunity you provide us.

I am honored to be associated with 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 reflect my commitment to professional excellence and continuous learning, ensuring that I remain at the forefront of financial advisory services.

Our comprehensive suite of services includes:

Estate Planning

We collaborate with a team of professionals, including attorneys, trustees, administrators, and CPAs, to ensure your estate plan is both current and effective, seamlessly integrating with your financial goals.

Wealth Management

Our investment recommendations are grounded in conservative financial planning principles, ensuring your portfolio reflects your aspirations and has earned its place.

Settlement Planning

We emphasize the superiority of financial planning and traditional wealth management over structured products, letting the numbers speak for themselves, even after taxes.

Windfall Planning

Strategic tax planning, retirement planning, and alternative investments are key to integrating cash flow surges into your financial landscape, laying the foundation for lasting prosperity.

Lottery Planning

Transform newfound wealth into a lasting legacy with our expertise, ensuring protection for you, your family, and your assets.

Tax Planning

Our tax planning services provide a clear, quantified strategy for estate, gift, income, and capital gains taxes, working closely with CPAs for optimal implementation.

Retirement Planning

With extensive experience, we guide you through all life stages, ensuring your retirement is as fulfilling as your career.

Exit Planning

Maximize your business’s value and preserve your legacy with our comprehensive financial planning services.

401(k) Optimization

Our optimization services align your retirement account with your broader financial goals, ensuring no opportunity is missed.

Divorce Financial Planning

We offer expert guidance to help you make informed decisions during divorce, creating a roadmap for financial independence.

Personal Divorce Strategist

As your dedicated advocate, I combine my legal and financial expertise to protect your interests throughout the divorce process.

Inheritance Planning

We offer compassionate support and expert guidance to help you navigate the complexities of estate administration and management.

Our firm specializes in portfolios exceeding $1 million, and while we are based in Houston, Texas, our reach extends across North America and beyond. We are here to support you, whether you’re in the heart of Texas or exploring opportunities across the continent. Please feel free to reach out to us by appointment at our Houston office or contact us via email or phone. We look forward to partnering with you on your financial journey.

Pre-and-Post Divorce Financial Planning in North America with Attorney Amy Zamikovsky, JD, CFP®, CPWA®

Navigating the complexities of divorce can be daunting, especially when it comes to financial planning. In North America, where diverse cultures and economic landscapes converge, the need for tailored financial strategies is paramount. Attorney Amy Zamikovsky, JD, CFP®, CPWA®, brings over 15 years of expertise in wealth management, estate planning, and financial planning to help you through this challenging time. With a background in law and finance, Amy is uniquely positioned to offer comprehensive financial guidance that respects the intricacies of North American financial regulations and cultural nuances.

Introducing Amy Zamikovsky, JD, CFP®, CPWA® to North America

Amy Zamikovsky is a Senior Financial Advisor at Transform Wealth and a licensed attorney in Texas. Her educational journey began with a B.S. in Biology from Southeastern Louisiana University, followed by a J.D. from the University of Houston Law Center. Her professional credentials include the CERTIFIED FINANCIAL PLANNER® and Certified Private Wealth Advisor® designations, which she earned through rigorous programs at Merrill Lynch and the Yale School of Management, respectively. Amy’s passion for financial education and protection is evident in her development of a State Bar of Texas CLE course focused on ethics, fiduciary duty, and legal settlement planning.

Divorce Financial Planning

At the heart of Amy’s practice is a deep understanding of the emotional and financial turmoil that accompanies divorce. Having experienced it personally, she approaches each case with empathy and expertise, ensuring that clients feel supported and informed every step of the way.

Fact-Finding

In North America, where financial landscapes can vary significantly from one region to another, understanding your unique financial situation is crucial. Amy’s fact-finding process is thorough and compassionate, designed to uncover every detail that impacts your financial future. By working closely with you, she ensures that you gain clarity and confidence during financial negotiations. This personalized approach lays a strong foundation for the future you deserve.

Planning

The next chapter of your life begins with a well-crafted financial strategy. Amy specializes in creating customized plans that align with your unique goals, both immediate and long-term. Her meticulous planning process considers the diverse economic conditions across North America, helping you achieve financial independence and stability in your new phase of life.

Implementation

Real transformation happens when plans are put into action. Amy collaborates with your trusted legal and financial professionals to streamline your financial life and implement strategies that are in your best interest. As your fiduciary, she ensures that every recommendation is tailored to your needs, helping you navigate the complexities of North American financial systems with confidence.

Our Commitment to North America

While our office is based in Houston, Texas, we proudly represent clients across North America and beyond. Our commitment is to provide exceptional financial planning services that respect the diverse cultural and economic landscapes of this vast region. We understand the importance of local context and are dedicated to offering solutions that are as unique as the clients we serve.

Contact Information

For personalized financial planning services, please reach out to us by appointment only at our Houston office:

820 Gessner Road
Houston, Texas 77024

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

Whether you’re navigating the financial complexities of divorce or planning for a prosperous future, Attorney Amy Zamikovsky, JD, CFP®, CPWA®, is here to guide you with expertise and compassion.

North America Lottery Winners: Secure Your Dreams with Strategic Wealth Management from Attorney Amy Zamikovsky, JD, CFP®, CPWA®

Congratulations, North America 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 North America, not implying that we’re located there nor moving there, only that we represent clients around the world, including but not limited to North America.

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

Email: contact@attorneyamycfp.com

Phone: (512) 537-2221

North America Structured Attorney Fees: Why Deferral Costs Millions, Even After Taxes

You’ve just triumphed in a major 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 best financial decision? For most attorneys, especially those in the highest tax bracket, the answer is a resounding no. 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

Consider this: you’re in the top federal tax bracket of 37%. On a $1 million fee, that equates 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 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 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 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 typically won’t lend against deferred fees. Want to adjust your investments or estate plan? With deferral, your money is locked up, limiting your flexibility.

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 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 among 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 craft a far more tax-smart approach 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 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 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.

Our Commitment to North America

While we are introducing ourselves to North America, we want to emphasize that we represent clients globally, including but not limited to this region. Our expertise in wealth management and financial planning is available to you, no matter where you are.

Contact Information

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 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 North America! We’re Here for You!

In the vast and diverse landscape of North America, where economic opportunities abound and financial landscapes are as varied as the cultures that inhabit them, the importance of strategic financial planning cannot be overstated. Here at Transform Wealth, we understand the unique financial challenges and opportunities that come with managing substantial portfolios, particularly those exceeding $1 million. Our approach is holistic, ensuring that your wealth not only grows but is preserved for future generations.

The Power of Tax-Planned Financial Planning

Choosing tax-planned financial planning and wealth management is a strategic decision that can significantly enhance your financial outcomes compared to structured settlements. In North America, where tax regulations can vary widely from one jurisdiction to another, having a well-thought-out tax strategy is crucial. We focus on the numbers because they never lie. The math decides, and our expertise ensures that your financial plan is optimized for the best possible outcomes.

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. Amy’s legal expertise, combined with her credentials as a CERTIFIED FINANCIAL PLANNER® professional and Certified Private Wealth Advisor® professional, positions her uniquely to guide you through complex financial landscapes.

Our Nationwide Expertise

While we are proud to serve clients across North America, our expertise extends far beyond any single location. We cater to clients with multiple residences and those who travel extensively, ensuring that our financial strategies are as mobile and adaptable as you are. Whether you’re in bustling urban centers or serene rural settings, our services are tailored to meet your needs.

Specialized Services for Diverse Needs

Our firm specializes in a wide range of financial services, each designed to address specific aspects of wealth management:

  • Estate Planning: We collaborate with your team of professionals to ensure your estate plan aligns with your financial goals and current wishes.
  • Wealth Management: Our investment recommendations are grounded in conservative financial planning, ensuring your portfolio reflects your values and objectives.
  • Settlement Planning: We demonstrate how financial planning often surpasses the benefits of structured settlements, even after taxes.
  • Windfall and Lottery Planning: Strategic planning for sudden cash flow surges, ensuring your wealth is protected and optimized for long-term prosperity.
  • Tax Planning: Our strategies provide a clear picture of optimal tax approaches, working closely with CPAs for seamless implementation.
  • Retirement and Exit Planning: We guide you through all stages of life, maximizing your business’s value and preserving your legacy.
  • 401(k) Optimization: We help you make the most of your retirement accounts, aligning them with your broader financial goals.
  • Divorce Financial Planning and Personal Divorce Strategist Services: We offer expert guidance and advocacy, ensuring your financial interests are protected during divorce proceedings.
  • Inheritance Planning: We assist in managing estates effectively, providing support during challenging times.

Attracting High-Value Clients

Our services are tailored for high-net-worth families, business owners, medical professionals, estate executors, high-earning professionals, corporate executives, founders, professional athletes, inheritors, retirees, divorcees, and lottery winners. We understand the unique needs of these clients and offer customized solutions to meet their financial goals.

Contact Us

We invite you to explore how our expertise can benefit you. While our office is located in Houston, Texas, we are available by appointment to discuss your financial needs. Reach out to us via email at contact@attorneyamycfp.com or call us at (512) 537-2221 to schedule a consultation.

At Transform Wealth, we are committed to helping you build, preserve, and transfer your wealth effectively. Let us be your trusted partner in navigating the financial complexities of North America.