Attorney Amy Zamikovsky, JD, CFP®, CPWA®: Wealth Management and Financial Planning in Saint Croix Island

Welcome to the world of financial empowerment with Amy Zamikovsky, JD, CFP®, CPWA®. As a seasoned Senior Financial Advisor and Texas Attorney, I am thrilled to extend my expertise to the vibrant community of Saint Croix Island. Nestled in the azure waters of the Caribbean, Saint Croix Island is a place rich in history and culture, offering a unique blend of Danish colonial architecture and lush tropical landscapes. From the bustling streets of Christiansted to the serene beaches of Frederiksted, this island is a tapestry of diverse experiences and opportunities.

Our journey began with a simple yet profound mission: Building Legacies for Generations. This ethos guides every financial advisory service and financial planning service we offer. We understand the local market’s unique needs, from the entrepreneurial spirit thriving in Christiansted’s business district to the agricultural heritage of the island’s interior. Our approach is rooted in a deep respect for the local culture and a commitment to providing personalized, attentive service.

As a CERTIFIED FINANCIAL PLANNER® professional and Certified Private Wealth Advisor® professional, I bring over 15 years of expertise in wealth management, estate planning, and financial planning. My academic journey took me from a B.S. in Biology at Southeastern Louisiana University to a J.D. from the University of Houston Law Center. These experiences have equipped me with a unique perspective, blending scientific precision with legal acumen to craft financial strategies that build, preserve, and transfer wealth efficiently.

Our services are designed to meet the diverse needs of our clients, whether they reside on Saint Croix Island or travel extensively. We pride ourselves on being fiduciaries, a role that obligates us to act in your best interests, ensuring that your financial goals are met with integrity and transparency. 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.

We offer a comprehensive suite of services tailored to your unique circumstances:

Estate Planning

We collaborate with a network of professionals, including attorneys, trustees, and CPAs, to ensure your estate plan aligns with your financial objectives and personal wishes.

Wealth Management

Our investment recommendations are grounded in conservative financial planning, ensuring your portfolio reflects your values and aspirations.

Settlement Planning

We demonstrate that financial planning and traditional wealth management often surpass the benefits of structured settlements, even after taxes, by letting the numbers speak for themselves.

Windfall Planning

Strategic tax planning, retirement planning, and alternative investments are key to integrating windfalls into your financial plan for lasting prosperity.

Lottery Planning

Transform your newfound wealth into a lasting legacy with our expert guidance, protecting your family and assets for generations to come.

Tax Planning

Our tax planning services provide clarity on estate, gift, income, and capital gains taxes, working alongside CPAs for optimal strategy implementation.

Retirement Planning

We offer personalized guidance through all stages of life, ensuring your retirement plan evolves with your changing needs and goals.

Exit Planning

Maximize your business’s value and preserve your legacy with our comprehensive financial planning services, tailored to your unique situation.

401(k) Optimization

Our services ensure your retirement account aligns with your broader financial goals, providing fiduciary advice on your entire financial picture.

Divorce Financial Planning

We offer objective, informed guidance to help you navigate divorce, creating a roadmap for financial independence and future success.

Personal Divorce Strategist

As your advocate, I combine my legal and financial expertise to protect your interests, ensuring you make informed decisions based on facts.

Inheritance Planning

We offer compassionate support to help you manage and administer estates, assembling a team of professionals to guide you through the process.

Our firm specializes in portfolios exceeding $1 million, and we are proud to serve clients nationwide. While we are not physically located on Saint Croix Island, our expertise extends to this beautiful locale, ensuring that your financial legacy is secure, no matter where you call home.

For personalized financial guidance, please contact us by appointment at our Houston office:

820 Gessner Road
Houston, Texas 77024
Email: contact@attorneyamycfp.com
Phone: (512) 537-2221

Thank you for considering us as your trusted partner in financial planning and wealth management. We look forward to building a legacy together.

Pre-and-Post Divorce Financial Planning in Saint Croix Island with Attorney Amy Zamikovsky, JD, CFP®, CPWA®

Navigating the complexities of divorce is never easy, especially when it comes to financial planning. At the heart of the Caribbean, Saint Croix Island offers a unique blend of rich history and vibrant culture, making it a place where personal and financial lives are deeply intertwined. Here, amidst the island’s lush landscapes and historic landmarks, Attorney Amy Zamikovsky, JD, CFP®, CPWA®, brings her extensive expertise in financial planning to those experiencing the challenges of divorce.

Introducing Amy Zamikovsky, JD, CFP®, CPWA® to Saint Croix Island

Amy Zamikovsky is a Senior Financial Advisor 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 has honed her skills at prestigious institutions like Merrill Lynch, where she earned her CERTIFIED FINANCIAL PLANNER® designation. Furthering her expertise, she achieved her Certified Private Wealth Advisor® designation through the Yale School of Management. As a licensed attorney in Texas, Amy combines her legal acumen with financial insight to craft personalized strategies that effectively build, preserve, and transfer wealth.

Divorce Financial Planning

Understanding the financial intricacies of divorce is crucial, and Amy Zamikovsky excels in providing tailored financial planning services to clients on Saint Croix Island. Her approach is rooted in empathy and expertise, ensuring that each client receives the guidance they need during this pivotal time.

Fact-Finding

We begin by truly understanding you and your unique financial landscape. Our comprehensive and compassionate approach ensures that every aspect of your financial future is considered. By delving into the details, we provide clarity and confidence as you navigate the financial negotiations of your divorce. Your customized financial plan will serve as a robust foundation for the future you deserve.

Planning

Embarking on the next chapter of your life requires a strategic approach. We develop customized financial strategies that align with your immediate and long-term goals. By focusing on both short-term needs and long-term financial independence, our meticulous planning process illuminates the possibilities that lie ahead in your new phase of life.

Implementation

The transformation from planning to action is where real change occurs. We work collaboratively 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 at heart.

Our Commitment to Saint Croix Island

While we are introducing our services to Saint Croix Island, we are not implying a physical presence there. Instead, we represent clients globally, including those on this beautiful island. Our commitment is to provide unparalleled financial planning services that respect the unique cultural and geographic context of Saint Croix Island.

Contact Information

For those seeking expert financial guidance during and after divorce, Amy Zamikovsky is available by appointment. Her office is located at:

820 Gessner Road
Houston, Texas 77024

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

We look forward to assisting you in achieving financial clarity and confidence as you embark on this new journey.

Saint Croix Island Lottery Winners: Secure Your Dreams with Strategic Wealth Management from Attorney Amy Zamikovsky, JD, CFP®, CPWA®

Congratulations to the fortunate lottery winners of Saint Croix Island! Nestled in the azure waters of the Caribbean, Saint Croix Island is a vibrant blend of cultural heritage and natural beauty, known for its rich history and the warm hospitality of its people. As you stand on the brink of a new chapter filled with possibilities, it’s essential to make informed decisions that will safeguard your financial future. I’m Amy Zamikovsky, JD, CFP®, CPWA®, and with over 15 years of experience as a CERTIFIED FINANCIAL PLANNER® professional and Certified Private Wealth Advisor® professional, I’m here to guide you through this exhilarating journey.

Preserve Your Winnings

The allure of Saint Croix Island’s pristine beaches and lush landscapes is matched only by the importance of protecting your newfound wealth. Without the right financial and legal strategies, your fortune could be at risk from taxes, legal challenges, and other unforeseen pitfalls. As your dedicated advisor, I will assist you in:

  • Crafting a robust trust and estate plan to shield your assets and reduce tax liabilities
  • Assembling a team of trusted attorneys, CPAs, and financial experts
  • Ensuring your privacy and security are maintained
  • Managing and evaluating donation and investment requests

Plan for a Lifetime of Wealth

Your lottery winnings can be more than just a fleeting windfall; they can be the foundation for enduring prosperity. Leveraging my expertise as a CFP® professional and CPWA® professional, I will develop a tailored wealth management strategy to help you:

  • Articulate your lifestyle and legacy aspirations
  • Invest strategically for growth, income, and capital preservation
  • Optimize tax efficiency through strategic asset allocation
  • Secure your retirement with income-generating investments
  • Establish trusts and gifts that benefit future generations

Give with Confidence

If giving back to the community is part of your vision, I am here to help you transform your generosity into a lasting legacy. With tools like donor-advised funds and family foundations, you can ensure your charitable contributions have a meaningful and enduring impact, reflecting the values of Saint Croix Island’s close-knit community.

Enjoy Your Winnings

This is your moment to indulge in the dreams you’ve always cherished. Whether it’s acquiring a dream home overlooking the Caribbean Sea, embarking on global adventures, or securing educational opportunities for your loved ones, I will guide you in allocating funds wisely. With a balanced approach, you can enjoy your newfound wealth while maintaining financial stability for the future.

Why Trust Amy Zamikovsky?

Navigating the complexities of sudden wealth requires a seasoned professional who understands the nuances of financial management. As a CFP® professional and CPWA® professional with a proven track record, I have successfully assisted numerous high-net-worth clients in transforming their fortunes into sustainable wealth. My legal background further equips me to devise comprehensive strategies that protect your assets from potential threats.

From the moment you claim your prize, I will serve as your personal CFO, investment advisor, and legal strategist. I will help you cut through the noise, explore your options, and prioritize your interests, allowing you to enjoy your newfound wealth with complete peace of mind.

Your Best Day Ever Could Be Today

If you’re holding a winning ticket, don’t delay in planning for this life-altering event. Contact me for a complimentary, confidential consultation to explore how I can help you maximize your winnings, reduce 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, ensuring that your dreams are not only realized but also preserved for generations to come.

Office Address

BY APPOINTMENT ONLY
820 Gessner Road
Houston, Texas 77024

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

This is my location. Remember, we are introducing ourselves to Saint Croix Island, not implying that we’re located there or moving there, but rather that we represent clients around the world, including but not limited to Saint Croix Island.

Saint Croix Island Structured Attorney Fees: Why Deferral Costs Millions, Even After Taxes

Imagine standing on the beautiful shores of Saint Croix Island, a place rich in history and culture, where the gentle Caribbean breeze carries tales of the past. Now, picture yourself as a successful attorney who has just won a significant case, securing a $1 million contingency fee. The structured settlement broker suggests deferring your fee into a “tax-advantaged” annuity. It sounds appealing, especially when you consider the island’s vibrant community and the potential to invest in its growing economy. But is deferral truly the best financial move? 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

Let’s assume 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. It might seem daunting, but let’s delve into the comparison between 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 to $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 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
  • 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 craft 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% 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

While we are introducing ourselves to Saint Croix Island, we want to emphasize that we represent clients around the world, including but not limited to this beautiful island. Our expertise is available to you, wherever you are.

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 experience in wealth management, estate planning, and financial planning to build customized financial strategies that efficiently build, preserve, and transfer wealth. Passionate about educating and financially protecting the public, Amy 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 Saint Croix Island! We’re Here for You!

Welcome to a world of financial empowerment with Amy Zamikovsky, JD, CFP®, CPWA®, where our expertise in wealth management and financial planning is tailored to meet the unique needs of Saint Croix Island. Nestled in the Caribbean Sea, Saint Croix Island is renowned for its vibrant culture, stunning landscapes, and a rich history that dates back to the indigenous Taino people and European colonization. Today, it stands as a melting pot of cultural influences, offering a unique backdrop for financial growth and prosperity.

Emphasizing Tax-Planned Financial Planning

In the dynamic financial landscape of Saint Croix Island, choosing tax-planned financial planning and wealth management is paramount. The benefits of this approach far outweigh those of structured settlements. We focus on the numbers because they never lie; the math decides. Our specialization lies in financial planning, where legal expertise meets customized wealth strategies. With a focus on portfolios exceeding $1 million, our holistic approach helps clients preserve and grow their wealth while enjoying life to the fullest. From wealth management to optimized tax and estate planning strategies, our personalized solutions align with your priorities, goals, and values.

Expertise Tailored for Saint Croix Island

As an experienced attorney and fiduciary, Amy Zamikovsky is uniquely positioned to guide you and your family through sensitive yet necessary discussions. Our customized financial strategies empower you to confidently build your ideal personal legacy. With over 15 years of combined experience in wealth management, estate planning, and financial planning, Amy’s credentials include a B.S. in Biology from Southeastern Louisiana University and a J.D. from the University of Houston Law Center. Her designations as a CERTIFIED FINANCIAL PLANNER® professional and Certified Private Wealth Advisor® professional underscore her commitment to excellence.

Comprehensive Financial Services

We offer a suite of services designed to meet the diverse needs of our clients in Saint Croix Island:

  • Estate Planning: Collaborating with your team of professionals, we ensure your estate plan reflects your current wishes and integrates seamlessly with your financial plan.

  • Wealth Management: Our investment recommendations are based on sound, conservative financial planning, ensuring your portfolio aligns with your goals and values.

  • Settlement Planning: Financial planning and traditional wealth management often provide superior financial benefits compared to structured products, even after taxes.

  • Windfall Planning: Cash flow surges present opportunities for strategic tax planning, retirement planning, and alternative investments, laying the foundation for lasting prosperity.

  • Lottery Planning: Transform your newfound wealth into a lasting legacy with our expertise, ensuring your family and assets are protected.

  • Tax Planning: From estate taxes to Roth conversions, our tax planning strategies provide a clear, quantified picture of optimal strategies moving forward.

  • Retirement Planning: Whether preparing for retirement or already retired, we offer guidance through all life stages, ensuring your financial security.

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

  • 401(k) Optimization: We help you make the most of your retirement account, aligning it with your broader financial goals and risk tolerance.

  • Divorce Financial Planning: Our services provide expert guidance for informed decision-making, creating a roadmap for financial independence.

  • Personal Divorce Strategist: As your advocate, we combine legal and financial expertise to protect your interests, ensuring well-informed decisions.

  • Inheritance Planning: We assist in assembling a team of professionals to manage and administer estates effectively, providing support during difficult times.

Attracting High-Net-Worth Clients

Our firm specializes in portfolios exceeding $1 million, attracting clients such as 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 proudly serve clients nationwide, including those with multiple residences and extensive travel, extending our expertise beyond Saint Croix Island.

Connect with Us

We invite you to explore the possibilities of financial growth and security with Amy Zamikovsky, JD, CFP®, CPWA®. Our office is located at 820 Gessner Road, Houston, Texas 77024, and consultations are available by appointment only. Reach out to us via email at contact@attorneyamycfp.com or call (512) 537-2221 to begin your journey toward financial empowerment.

Embrace the vibrant culture and opportunities of Saint Croix Island with confidence, knowing that your financial future is in expert hands.