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

Welcome to the world of Attorney Amy Zamikovsky, JD, CFP®, CPWA®, where we are dedicated to “Building Legacies for Generations.” As a Senior Financial Advisor and Texas Attorney, I am thrilled to introduce my comprehensive financial advisory services to the vibrant communities of Texas. With over 15 years of experience in wealth management, estate planning, and financial planning, I am committed to serving the unique needs of Texans, from the bustling streets of Houston to the historic charm of San Antonio, and beyond.

Our journey began with a passion for empowering individuals and families to achieve financial security and prosperity. With a B.S. in Biology from Southeastern Louisiana University and a J.D. from the University of Houston Law Center, my academic background laid the foundation for a career dedicated to financial excellence. During my tenure at Merrill Lynch, I earned the prestigious CERTIFIED FINANCIAL PLANNER® designation, followed by the Certified Private Wealth Advisor® designation from the Yale School of Management. These credentials reflect my commitment to providing top-tier financial planning services tailored to your needs.

In Texas, where the economy is as diverse as its landscapes, the demand for personalized financial strategies is paramount. Whether you’re navigating the complexities of estate planning or seeking guidance on wealth management, my role as a fiduciary ensures that your best interests are always at the forefront. As a fiduciary, I am legally and ethically obligated to act in your best interests, managing your assets with the utmost care and diligence.

Our services extend beyond the borders of Texas, catering to clients nationwide who appreciate the personal attention and care we provide. We understand the intricacies of managing wealth across multiple residences and extensive travel, ensuring that your financial strategies are as dynamic as your lifestyle.

Comprehensive Financial Services

Estate Planning: Collaborating with your team of professionals, including attorneys, trustees, and CPAs, we ensure your estate plan aligns seamlessly with your financial goals.

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

Settlement Planning: We emphasize the superiority of financial planning over structured settlements, letting the numbers guide our strategies.

Windfall Planning: Strategic tax planning and alternative investments are key to integrating cash flow surges into your financial framework.

Lottery Planning: Transform newfound wealth into a lasting legacy with our expert guidance.

Tax Planning: From estate to capital gains taxes, our strategies provide a clear path forward, working closely with CPAs for seamless implementation.

Retirement Planning: Whether you’re preparing for retirement or already enjoying it, our experience ensures your financial security through life’s stages.

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

401(k) Optimization: Align your retirement account with your broader financial goals, avoiding common pitfalls with our fiduciary guidance.

Divorce Financial Planning: Navigate divorce with confidence, making informed decisions for financial independence.

Personal Divorce Strategist: As your advocate, I combine legal and financial expertise to protect your interests throughout the divorce process.

Inheritance Planning: We offer compassionate guidance in managing estates, ensuring a smooth transition during difficult times.

Professional Affiliations

I am proud to be associated with esteemed organizations such as the Houston Association of Women Attorneys, Houston Estate and Financial Forum, and the Houston Bar Association’s Probate, Trusts & Estates & Litigation sections. Additionally, as a member of NAPFA, The National Association of Personal Financial Advisors, I am committed to upholding the highest standards of financial planning.

Our Commitment

At the heart of our practice is a deep appreciation for the trust and opportunity our clients extend to us. We value the personal relationships we build and are dedicated to providing the highest level of service. Our focus on tax-planned financial planning and wealth management underscores our belief in the power of numbers to guide our strategies.

While we are based in Houston, Texas, our reach extends globally, serving clients with diverse needs and backgrounds. Whether you’re in Austin, Dallas, or any corner of the Lone Star State, we are here to support your financial journey.

For personalized financial advisory services that prioritize your goals and values, contact us at:

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

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

We look forward to partnering with you to build a legacy that lasts for generations.

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

Navigating the financial intricacies of divorce can be daunting, especially in a state as vast and diverse as Texas. With its unique blend of cultures and economic landscapes, Texas presents specific challenges and opportunities in financial planning. Here at our practice, we specialize in addressing these needs with the expertise of Attorney Amy Zamikovsky, JD, CFP®, CPWA®, who brings over 15 years of experience in wealth management, estate planning, and financial planning.

Introducing Amy Zamikovsky, JD, CFP®, CPWA®

Amy Zamikovsky is a Senior Financial Advisor at Transform Wealth, with a robust educational background that includes a B.S. in Biology from Southeastern Louisiana University and a J.D. from the University of Houston Law Center. Her professional journey has seen her excel at Merrill Lynch, where she earned her CERTIFIED FINANCIAL PLANNER® designation, and further advanced her expertise with a Certified Private Wealth Advisor® designation from the Yale School of Management. As a licensed attorney in Texas, Amy leverages her legal acumen to craft personalized financial strategies that not only build but also preserve and transfer wealth efficiently. Her passion for education and financial protection is evident in her development and teaching of a State Bar of Texas CLE course, focusing on ethics, fiduciary duty, and legal settlement planning.

Divorce Financial Planning

Divorce is a significant life transition, and in Texas, where community property laws can complicate asset division, having a strategic financial plan is crucial. We understand the emotional and financial complexities involved, and our approach is rooted in empathy and expertise. We don’t just work with clients like you – we’ve been there ourselves. This personal experience fuels our commitment to excellence in divorce financial planning.

Fact-Finding

Our process begins with a comprehensive fact-finding mission. We take the time to understand your unique situation, delving into every detail that could impact your financial future. This thorough approach ensures that you have clarity and confidence during the financial negotiations of your divorce. In Texas, where the economy is as dynamic as its landscapes, understanding your financial picture is essential. We provide a customized financial plan that serves as a strong foundation for the future you deserve.

Planning

The next chapter of your life starts here. We design tailored financial strategies that align with your personal goals, both immediate and long-term. Our meticulous planning process illuminates the possibilities in your new phase of life, empowering you to achieve financial independence. In a state like Texas, known for its entrepreneurial spirit and economic opportunities, our planning helps you harness these advantages to secure your financial future.

Implementation

Turning plans into action is where real transformation begins. 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 in your best interest, providing you with peace of mind during this transition. In Texas, where the legal and financial landscapes can be complex, having a dedicated team on your side is invaluable.

Our Commitment to Texas

While we are introducing ourselves to Texas, we are not implying a physical presence there. Instead, we represent clients around the world, including those in Texas. Our office, located at 820 Gessner Road, Houston, Texas 77024, operates by appointment only, ensuring personalized attention to each client. You can reach us at contact@attorneyamycfp.com or by phone at (512) 537-2221.

In conclusion, choosing tax-planned financial planning and wealth management with Attorney Amy Zamikovsky, JD, CFP®, CPWA® offers significant advantages over structured settlements. The numbers speak for themselves, and our focus on precise, data-driven strategies ensures that your financial future is secure. With our deep understanding of Texas’s unique economic and cultural landscape, we are well-equipped to guide you through the complexities of divorce financial planning.

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

Congratulations, Texas lottery winners! You’ve just unlocked a world of possibilities, and your life is about to transform in ways you may have only imagined. Amidst the excitement and whirlwind of sudden wealth, you face pivotal 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 exhilarating yet overwhelming journey with confidence and clarity.

Preserve Your Winnings

In the heart of Texas, where the spirit of independence and resilience thrives, safeguarding your newfound wealth is of utmost importance. Without the right legal frameworks and financial strategies, your millions could be at risk from taxes, lawsuits, scams, and mismanagement. As your trusted advisor, I’ll help you:

Develop a comprehensive trust and estate plan to protect your assets and minimize tax liabilities
Assemble a team of trusted attorneys, CPAs, and bankers to ensure your financial interests are safeguarded
Maintain your privacy and security in a state known for its hospitality and openness
Manage incoming donation and investment requests with discernment

Plan for a Lifetime of Wealth

Your jackpot doesn’t have to be a fleeting windfall; with strategic planning, it can become the foundation for enduring 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, reflecting the diverse and vibrant culture of Texas
Invest for optimal growth, income, and capital preservation, leveraging the state’s robust economic landscape
Maximize tax efficiency through strategic accounts and asset allocation
Secure your retirement with income-generating investments tailored to your unique needs
Establish trusts and gifts for future generations, ensuring your legacy endures

Give with Confidence

If philanthropy is close to your heart, it is my personal pleasure to guide you in transforming one-time gifts into lasting charitable endeavors. With the right tools, such as donor-advised funds and family foundations, you can translate your values into meaningful impact and establish a giving legacy that inspires your family for generations. Texas is known for its generous spirit, and together, we can make a difference.

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

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

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

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

You’ve just won a landmark case and secured a $1 million contingency fee. A structured settlement broker suggests deferring your fee into a “tax-advantaged” annuity. It sounds appealing, but is it truly the best financial decision? For most attorneys, even those in the highest tax bracket, the answer is a resounding no. Here’s why savvy trial lawyers in Texas 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 you take it 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 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 another 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.

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About Amy Zamikovsky

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.

Contact Information

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

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

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

Welcome to the heart of Texas, where the spirit of independence and innovation thrives. As we introduce our wealth management and financial planning services, we are excited to extend our expertise to the Lone Star State. Texas, known for its rich history, diverse culture, and booming economy, presents unique opportunities and challenges for financial growth and preservation. At the helm of our services is Amy Zamikovsky, JD, CFP®, CPWA®, a seasoned Senior Financial Advisor with over 15 years of experience in wealth management, estate planning, and financial planning.

Why Choose Tax-Planned Financial Planning in Texas?

In Texas, where the economy is as vast as its landscapes, the importance of tax-planned financial planning cannot be overstated. Unlike structured settlements, which may offer immediate relief, tax-planned strategies provide long-term financial benefits that are backed by solid numbers. The math is clear: strategic financial planning is superior in preserving and growing wealth, especially in a state with no personal income tax but with other tax considerations such as property and sales taxes.

Our Expertise in Financial Planning and Wealth Management

Amy Zamikovsky, a Certified Financial Planner® professional and Certified Private Wealth Advisor® professional, brings a wealth of knowledge and a unique perspective to financial planning. Her legal background, with a J.D. from the University of Houston Law Center, allows her to craft customized strategies that align with your personal and financial goals. Whether you’re a high-net-worth individual, a business owner, or a retiree, our holistic approach ensures that your wealth is managed with precision and care.

Tailored Services for Texas Residents

Our services are designed to meet the diverse needs of Texans, from the bustling cities of Houston and Dallas to the serene landscapes of the Hill Country. We specialize in portfolios exceeding $1 million, offering personalized solutions that encompass wealth management, tax optimization, and estate planning. Our goal is to help you preserve and grow your wealth while enjoying the vibrant lifestyle that Texas offers.

Estate Planning

In Texas, where family and legacy are deeply valued, estate planning is a crucial component of financial management. We collaborate with your team of professionals, including attorneys and CPAs, to ensure your estate plan reflects your wishes and integrates seamlessly with your financial strategy.

Wealth Management

Our investment recommendations are grounded in conservative financial planning principles. We ensure that your portfolio aligns with your values and goals, providing a stable foundation for future growth.

Settlement Planning

In the realm of financial settlements, our approach is clear: traditional financial planning and wealth management often yield better financial outcomes than structured products. We let the numbers speak for themselves, ensuring you make informed decisions.

Windfall and Lottery Planning

Whether you’re navigating a sudden financial windfall or a lottery win, our expertise helps you transform newfound wealth into a lasting legacy. We offer strategic tax planning and investment advice to secure your financial future.

Tax and Retirement Planning

Texas residents benefit from our comprehensive tax planning services, which address estate, gift, income, and capital gains taxes. Our retirement planning services cater to individuals at all stages of life, ensuring a smooth transition into your golden years.

Divorce Financial Planning and Personal Divorce Strategist Services

Divorce can be a challenging time, but with Amy Zamikovsky as your Personal Divorce Strategist, you have a dedicated advocate by your side. Combining her legal expertise and financial planning skills, Amy helps you navigate asset valuation, income planning, and wealth preservation, ensuring your best interests are protected.

Inheritance Planning

We understand the complexities of inheritance planning, especially during times of loss. Our team is here to guide you through the process, assembling a team of professionals to manage and administer estates effectively.

Serving Texas and Beyond

While our roots are in Texas, our reach extends nationwide. We proudly serve clients with multiple residences and those who travel extensively, offering expertise that transcends geographic boundaries. Whether you’re in the heart of Houston or exploring the vast Texas landscape, our services are tailored to meet your needs.

Contact Us

We invite you to explore the possibilities of financial growth and security with us. Our office, located at 820 Gessner Road, Houston, Texas 77024, is open by appointment only. Reach out to us via email at contact@attorneyamycfp.com or call (512) 537-2221 to schedule a consultation.

At Attorney Amy Zamikovsky, JD, CFP®, CPWA®, we are committed to helping you build and sustain generational wealth. Join us as we move forward together, embracing the opportunities that Texas has to offer.