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

Welcome to the world of financial empowerment with Amy Zamikovsky, JD, CFP®, CPWA®, where we are dedicated to “Building Legacies for Generations.” As a Senior Financial Advisor with over 15 years of experience, I am thrilled to extend my expertise to the vibrant community of Saint Thomas Island. Nestled in the heart of the Caribbean, Saint Thomas Island is renowned for its breathtaking beaches, rich cultural tapestry, and a welcoming spirit that resonates with both locals and visitors alike. From the bustling streets of Charlotte Amalie to the serene landscapes of Magens Bay, this island is a unique blend of history and modernity.

Our journey began with a commitment to providing personalized financial advisory services that cater to the diverse needs of our clients. We understand that the residents of Saint Thomas Island, with their deep-rooted cultural heritage and dynamic lifestyles, require financial solutions that are as unique as they are. Whether you’re navigating the complexities of estate planning or seeking strategic wealth management, our services are designed to meet the specific needs of this vibrant community.

As a CERTIFIED FINANCIAL PLANNER® professional and Certified Private Wealth Advisor® professional, I bring a wealth of knowledge and a fiduciary duty to act in your best interests. This commitment is further strengthened by my involvement 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 (NAPFA). These affiliations underscore our dedication to maintaining the highest standards of professionalism and ethics.

Our financial planning services are comprehensive, covering everything from estate planning to tax-optimized wealth management. We believe in the power of numbers, and our approach is grounded in the belief that tax-planned financial strategies often yield superior financial benefits compared to structured settlements. By focusing on the math, we ensure that your financial decisions are informed and effective.

For those experiencing life transitions, such as divorce, our specialized services provide the guidance and support needed to navigate these challenging times. As a Personal Divorce Strategist, I combine my legal background with financial expertise to offer unbiased advocacy, ensuring your interests are protected every step of the way.

Our services extend beyond the shores of Saint Thomas Island, catering to clients nationwide who have multiple residences or travel extensively. This global perspective allows us to offer insights and strategies that are both innovative and effective, ensuring that your financial plan is robust and adaptable.

In the spirit of Saint Thomas Island’s rich history and cultural diversity, we are honored to serve this community with humility and gratitude. We value the trust you place in us and are committed to providing the personal attention and care that you deserve. Whether you’re planning for retirement, optimizing your 401(k), or strategizing for a windfall, our team is here to help you achieve your financial goals.

Our office, located in Houston, Texas, operates by appointment only, allowing us to dedicate the time and attention necessary to each client’s unique needs. We invite you to reach out and discover how we can assist you in building a lasting legacy for generations to come.

For inquiries or to schedule a consultation, please contact us at contact@attorneyamycfp.com or call (512) 537-2221. Let us be your trusted partner in navigating the financial landscape, both on Saint Thomas Island and beyond.

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

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

Greetings to the vibrant community of Saint Thomas Island! We are excited to introduce you to Amy Zamikovsky, JD, CFP®, CPWA®, a seasoned Senior Financial Advisor with over 15 years of experience in wealth management, estate planning, and financial planning. Amy 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 expertise began at Merrill Lynch, where she earned her CERTIFIED FINANCIAL PLANNER® designation, followed by the Certified Private Wealth Advisor® designation from the Yale School of Management. As a licensed Texas Attorney, Amy leverages her legal acumen to craft bespoke financial strategies that effectively build, preserve, and transfer wealth.

Pre-and-Post Divorce Financial Planning

Divorce can be a challenging transition, and we understand the complexities involved. At the heart of our services is a commitment to providing empathetic and expert-level financial planning tailored to the unique needs of individuals in Saint Thomas Island. Our approach is grounded in personal experience and professional expertise, ensuring that we excel in guiding you through this significant life change.

Fact-Finding

We believe in the power of understanding. Our process begins with getting to know you—the real you. We delve into every aspect of your financial situation, ensuring that you have a comprehensive understanding of your financial landscape. This thorough and compassionate approach is designed to provide clarity and confidence during the financial negotiations of your divorce. Your customized financial plan will serve as a robust foundation for the future you deserve.

Planning

The next chapter of your life begins here. We specialize in crafting financial strategies that are uniquely tailored to your goals, both immediate and long-term. By identifying your short-term needs and working towards long-term financial independence, we illuminate the possibilities that lie ahead in your new phase of life. Our meticulous planning process is designed to empower you with the knowledge and tools needed to achieve your financial aspirations.

Implementation

The true transformation begins when plans are put into action. We collaborate closely 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 in your best interest, guiding you towards a financially secure future.

Our Commitment to Saint Thomas Island

While we are based in Houston, Texas, our reach extends globally, including to the beautiful Saint Thomas Island. We are dedicated to representing clients worldwide, providing them with the highest level of financial planning and wealth management services. Our goal is to empower you with the knowledge and strategies needed to navigate the complexities of divorce and emerge stronger on the other side.

Contact Information

For those in Saint Thomas Island seeking expert financial guidance, we invite you to connect with us:

Office Address (By Appointment Only):
820 Gessner Road
Houston, Texas 77024

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

We look forward to the opportunity to work with you and help you achieve your financial goals.

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

Congratulations, Saint Thomas Island lottery winners! Your life is about to transform in ways you may have only imagined while gazing at the stunning vistas of Magens Bay or strolling through the vibrant streets of Charlotte Amalie. Amidst the excitement and thrill of your newfound wealth, you face crucial decisions that will impact 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 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/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?

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 Saint Thomas Island, not implying that we’re located there nor moving there, only that we represent clients around the world, including but not limited to Saint Thomas Island.

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

Email: contact@attorneyamycfp.com

Phone: (512) 537-2221

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

Imagine the vibrant shores of Saint Thomas Island, where the Caribbean breeze whispers through the palm trees, and you, a successful attorney, have just secured a $1 million contingency fee. The allure of deferring this fee into a “tax-advantaged” annuity might seem tempting, but is it truly the most prudent financial decision? Even for attorneys in the highest tax bracket, the answer is often a resounding no. Let’s delve into why savvy trial lawyers collaborate with a CERTIFIED FINANCIAL PLANNER® professional to analyze the numbers before making such a critical decision.

The True Cost of Deferral

Consider this: 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. While this might seem daunting, let’s explore the potential outcomes of investing the remaining $630,000 versus deferring the entire $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 could end up with $1-1.9 million more by opting for the lump sum and investing it! And the benefits only amplify over time. Over 30 years at an 8% return, the lump sum could grow to $6.4 million after tax, compared to just $1.5 million with deferral.

Lost Opportunity and Liquidity

Beyond the sheer wealth disparity, a lump sum provides you with invaluable liquidity and leverage. Should you need funds for a lucrative investment or an unexpected expense, you can easily access a securities-based loan. Banks are unlikely to lend against deferred fees. If you wish to adjust your investments or estate plan, having your money locked up in a deferral can be a significant hindrance.

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
  • Use after-tax dollars to contribute 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 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 an 8% return! In contrast, investing your lump sum in low-cost index funds incurs only a fraction of these 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 discover how we can help you maximize your hard-earned wealth.

This is my location. Remember that we are just introducing ourselves to Saint Thomas Island, not implying that we’re located there nor moving there, only that we represent clients around the world, including but not limited to Saint Thomas Island.

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

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

By considering the unique financial landscape of Saint Thomas Island, with its vibrant culture and dynamic economic opportunities, you can make informed decisions that secure your financial future. Let us guide you through the complexities of wealth management, ensuring that your assets are as resilient and enduring as the island itself.

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

Welcome to a world where numbers guide your financial journey, and the math truly decides. At the heart of our services is the commitment to providing tax-planned financial planning and wealth management that outshine the financial benefits of structured settlements. We understand that each dollar counts, and our strategies are designed to maximize your wealth’s potential.

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

Amy Zamikovsky, JD, CFP®, CPWA®, is a Senior Financial Advisor at Transform Wealth, bringing over 15 years of expertise in wealth management, estate planning, and financial planning. Her academic journey began with a B.S. in Biology from Southeastern Louisiana University, followed by a J.D. from the University of Houston Law Center. Amy’s career flourished at Merrill Lynch, where she earned her CERTIFIED FINANCIAL PLANNER® designation, and later, her Certified Private Wealth Advisor® designation from the Yale School of Management. Although based in Texas, Amy’s expertise extends nationwide, including to the beautiful shores of Saint Thomas Island.

Our Specialty Services for Saint Thomas Island

Saint Thomas Island, a vibrant part of the U.S. Virgin Islands, is known for its stunning beaches, rich history, and diverse culture. It’s a place where the Caribbean’s natural beauty meets the hustle and bustle of a thriving community. Here, we offer specialized financial services tailored to the unique needs of this locale, ensuring that your wealth management strategies align with the island’s dynamic lifestyle.

Estate Planning

In Saint Thomas Island, where the blend of cultures and traditions is rich, estate planning takes on a unique significance. We collaborate with your team of professionals, including attorneys, trustees, and CPAs, to ensure your estate plan reflects your wishes and integrates seamlessly with your financial goals.

Wealth Management

Our wealth management services are grounded in conservative financial planning principles. We ensure that your portfolio aligns with your values and aspirations, earning its place through rigorous analysis and strategic planning.

Settlement Planning

Whether you’re a client or a plaintiff’s attorney, our settlement planning services demonstrate that financial planning and traditional wealth management often surpass the benefits of structured products, even after taxes. We let the numbers speak for themselves.

Windfall and Lottery Planning

Saint Thomas Island’s vibrant community is no stranger to sudden financial windfalls, whether from business successes or lottery wins. Our windfall and lottery planning services help you strategically manage these opportunities, ensuring your newfound wealth becomes a lasting legacy.

Tax Planning

Navigating the complexities of estate, gift, income, and capital gains taxes is crucial in a location like Saint Thomas Island. Our tax planning services provide a clear, quantified strategy, working closely with CPAs to ensure effective implementation.

Retirement and Exit Planning

Whether you’re preparing for retirement or planning an exit strategy, our services cater to the unique needs of Saint Thomas Island’s residents. We help you transform years of hard work into a secure and prosperous future.

401(k) Optimization

Our 401(k) optimization services ensure your retirement accounts align with your broader financial goals, risk tolerance, and retirement timeline. As a fiduciary CFP® professional, Amy provides comprehensive advice on your entire financial picture.

Divorce Financial Planning and Personal Divorce Strategist

Divorce can be a challenging transition, especially in a close-knit community like Saint Thomas Island. Our divorce financial planning services offer expert guidance, helping you make informed decisions and protect your interests. As your Personal Divorce Strategist, Amy combines her legal and financial expertise to support you every step of the way.

Inheritance Planning

In times of loss, we’re here to help you navigate the complexities of inheritance planning. Our services ensure that your loved one’s legacy is honored and effectively managed, providing peace of mind during a difficult time.

Our Firm’s Expertise: Specializing in >$1M+ Portfolios

We cater to a diverse clientele, including 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 expertise extends beyond Saint Thomas Island, serving clients nationwide with multiple residences and extensive travel needs.

Contact Us

While we introduce our services to Saint Thomas Island, we remain based in Houston, Texas, ready to serve clients worldwide. To learn more about how we can help you achieve your financial goals, contact us by appointment at:

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

Discover the difference that strategic financial planning can make in your life. With Amy Zamikovsky, JD, CFP®, CPWA®, you’re not just managing wealth; you’re building a legacy.