Attorney Amy Zamikovsky, JD, CFP®, CPWA®: Wealth Management and Financial Planning in the City of Surfside Beach

Greetings to the vibrant community of Surfside Beach! I’m Amy Zamikovsky, JD, CFP®, CPWA®, and I’m thrilled to introduce my wealth management and financial planning services to this beautiful coastal city. Nestled along the picturesque Texas Gulf Coast, Surfside Beach is known for its stunning beaches, warm hospitality, and a close-knit community that values both tradition and innovation. It’s a place where families build legacies, and I’m here to help you secure and grow those legacies for generations to come.

With over 15 years of experience in wealth management, estate planning, and financial advisory services, I bring a wealth of knowledge and a deep commitment to serving my clients with integrity and care. As a fiduciary, I am legally and ethically obligated to act in your best interests, ensuring that your financial goals are met with the utmost diligence and transparency.

Our Founding Story

My journey in financial planning began with a passion for educating and financially protecting the public. After earning my B.S. in Biology from Southeastern Louisiana University and my J.D. from the University of Houston Law Center, I honed my skills at Merrill Lynch, where I achieved my CERTIFIED FINANCIAL PLANNER® designation. I further advanced my expertise by earning the Certified Private Wealth Advisor® designation through the Yale School of Management. Today, I leverage my legal background and financial acumen to craft personalized strategies that build, preserve, and transfer wealth efficiently.

Addressing Local Market Needs

Surfside Beach, with its unique blend of coastal charm and economic potential, presents distinct financial opportunities and challenges. Whether you’re navigating the complexities of estate planning, managing a windfall, or optimizing your retirement strategy, my services are tailored to meet the specific needs of this community. I work closely with a network of professionals, including attorneys, CPAs, and trustees, to ensure your financial plan is comprehensive and aligned with your goals.

Our Services

  • Estate Planning: Collaborating with your team of professionals to ensure your estate plan reflects your wishes and integrates seamlessly with your financial plan.
  • Wealth Management: Providing sound, conservative investment recommendations that align with your values and objectives.
  • Settlement Planning: Demonstrating the financial superiority of traditional wealth management over structured settlements, even after taxes.
  • Windfall Planning: Offering strategic tax planning and investment integration to capitalize on cash flow surges.
  • Lottery Planning: Protecting your newfound wealth and transforming it into a lasting legacy.
  • Tax Planning: Delivering clear, quantified strategies for estate, gift, income, and capital gains taxes.
  • Retirement Planning: Guiding you through all stages of life with personalized retirement strategies.
  • Exit Planning: Maximizing your business’s value and preserving your legacy through comprehensive planning.
  • 401(k) Optimization: Ensuring your retirement account aligns with your broader financial goals.
  • Divorce Financial Planning: Providing expert guidance for informed decision-making during divorce.
  • Personal Divorce Strategist: Serving as your dedicated advocate to protect your interests in divorce proceedings.
  • Inheritance Planning: Assisting with estate administration and management 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, I am a member of NAPFA, The National Association of Personal Financial Advisors, which underscores my commitment to providing fee-only, client-centered financial advice.

Nationwide Expertise

While I am delighted to serve the Surfside Beach community, my expertise extends nationwide, catering to clients with multiple residences and those who travel extensively. This broad perspective allows me to offer insights and strategies that are both locally relevant and globally informed.

A Personal Touch

At the heart of my practice is a deep appreciation for the trust and opportunity my clients grant me. I am dedicated to providing personal attention and care, ensuring that every financial decision is made with your best interests in mind. Whether you’re planning for retirement, managing a windfall, or navigating a divorce, I am here to support you every step of the way.

For those in Surfside Beach and beyond, I invite you to explore how my financial advisory services can help you build a legacy that lasts for generations. Together, let’s create a future that reflects your dreams and values.

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

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

Thank you for considering me as your trusted financial advisor. I look forward to the opportunity to work with you and help you achieve your financial goals.

Pre-and-Post Divorce Financial Planning in the City of Surfside Beach with Attorney Amy Zamikovsky, JD, CFP®, CPWA®

Navigating the complexities of divorce can be daunting, especially when it comes to financial planning. At the heart of the picturesque City of Surfside Beach, known for its serene coastal beauty and vibrant community, we offer specialized pre-and-post divorce financial planning services. Our approach is tailored to meet the unique needs of residents in this charming locale, ensuring that your financial future is as bright as the sunlit shores of Surfside Beach.

Introducing Amy Zamikovsky, JD, CFP®, CPWA®

Amy Zamikovsky, JD, CFP®, CPWA®, is a Senior Financial Advisor with over 15 years of expertise in wealth management, estate planning, and financial planning. With a solid educational foundation from Southeastern Louisiana University and the University of Houston Law Center, Amy has honed her skills at prestigious institutions like Merrill Lynch and the Yale School of Management. As a licensed Texas Attorney, she leverages her legal acumen to craft personalized financial strategies that help build, preserve, and transfer wealth effectively. Her passion for education and financial protection is evident in her role as an educator for the State Bar of Texas, where she teaches courses on ethics, fiduciary duty, and legal settlement planning.

Divorce Financial Planning

At the core of our services is a deep understanding of the emotional and financial challenges that accompany divorce. We are not just advisors; we are empathetic partners who have walked this path ourselves. Our commitment to you is grounded in both personal experience and professional expertise.

Fact-Finding

In the initial phase, we dedicate time to truly understand you and your financial landscape. Our compassionate approach ensures that every aspect of your financial situation is considered, providing clarity and confidence during negotiations. By meticulously examining your financial picture, we lay the groundwork for a future that aligns with your aspirations.

Planning

Embarking on a new chapter requires a strategic approach. We design bespoke financial strategies that cater to your immediate needs and long-term goals. Our planning process illuminates the possibilities that lie ahead, empowering you to embrace your new life with financial independence and security.

Implementation

The transition from planning to action is where transformation occurs. We collaborate with your legal and financial advisors to seamlessly integrate our strategies into your financial life. As your fiduciary, we prioritize your best interests, ensuring that every recommendation is tailored to your unique circumstances.

Our Commitment to the City of Surfside Beach

While we are introducing our services to the City of Surfside Beach, our reach extends globally. We represent clients worldwide, including those in this idyllic beachside community. Our commitment is to provide exceptional financial planning services that reflect the values and lifestyle of Surfside Beach residents.

For personalized financial planning that respects your unique journey, contact us at:

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

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

Discover the peace of mind that comes with expert financial planning tailored to your needs. Let us help you navigate the financial aspects of divorce with confidence and clarity, ensuring a secure and prosperous future.

City of Surfside Beach Lottery Winners: Secure Your Dreams with Strategic Wealth Management from Attorney Amy Zamikovsky, JD, CFP®, CPWA®

Congratulations, City of Surfside Beach 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 shock of sudden wealth, you face critical decisions that will impact your financial security for generations. 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 thrilling 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 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 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 the City of Surfside Beach, not implying that we’re located there nor moving there, only that we represent clients around the world, including but not limited to the City of Surfside Beach.

Office Address

BY APPOINTMENT ONLY
820 Gessner Road
Houston, Texas 77024

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

City of Surfside Beach Structured Attorney Fees: Why Deferral Costs Millions, Even After Taxes

Nestled along the picturesque Texas Gulf Coast, the City of Surfside Beach is known for its serene beaches and vibrant community. It’s a place where the sun, sand, and sea create a unique backdrop for both relaxation and professional pursuits. Here, in this charming locale, we explore a critical financial decision that can impact attorneys and their financial futures significantly.

Imagine you’ve just secured a $1 million contingency fee after winning a major case. A structured settlement broker suggests deferring your fee into a “tax-advantaged” annuity. While this may sound appealing, is it truly the most beneficial financial strategy? For most attorneys, especially those in the highest tax bracket, the answer is a resounding no. Let’s delve into 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 translates to a $370,000 tax bill if you opt for a lump sum. It may seem daunting, but let’s compare the 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 staggering. Even after paying $370,000 in taxes, you could end up with $1-1.9 million more by taking the lump sum and investing it. Over 30 years at an 8% return, the lump sum grows to $6.4 million after tax, compared to just $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 an unexpected expense? You can tap into 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 with deferral.

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 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, particularly a Certified Private Wealth Advisor® professional, can help you devise 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 an 8% return! 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.

This is My Location

While we are introducing ourselves to the City of Surfside Beach, it’s important to note that we represent clients around the world, including but not limited to this beautiful coastal city.

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 Surfside Beach! We’re Here for You!

Welcome to Surfside Beach, a charming coastal town known for its sandy shores and vibrant community spirit. Nestled along the Gulf of Mexico, Surfside Beach offers a unique blend of relaxation and opportunity, making it an ideal place for those seeking both tranquility and growth. As we introduce our wealth management and financial planning services to this beautiful locale, we bring with us a commitment to helping you achieve your financial goals with precision and care.

Why Choose Tax-Planned Financial Planning?

In Surfside Beach, where the sun shines bright and the waves roll in, it’s important to have a financial plan that is as solid as the coastline. We emphasize the importance of tax-planned financial planning and wealth management, which often provide superior financial benefits compared to structured settlements. The numbers speak for themselves, and our approach ensures that your wealth is managed efficiently, maximizing your financial potential.

Our Specialization: Where Legal Expertise Meets Customized Wealth Strategies

With over 15 years of experience, Amy Zamikovsky, JD, CFP®, CPWA®, brings a wealth of knowledge to the table. Her background in biology and law, combined with her certifications as a CERTIFIED FINANCIAL PLANNER® professional and Certified Private Wealth Advisor® professional, uniquely positions her to offer comprehensive financial strategies tailored to your needs. Our services are designed to best serve the unique challenges and opportunities of portfolios exceeding $1 million, helping you preserve and grow your wealth while enjoying the lifestyle you love in Surfside Beach.

Navigating Financial Planning with Expertise and Empathy

As an experienced attorney and fiduciary, Amy is adept at guiding families through sensitive financial discussions. Her customized strategies empower you to build a personal legacy that reflects your values and aspirations. Whether you’re a high-net-worth family, a business owner, or a retiree enjoying the coastal life, our holistic approach ensures your financial plan aligns with your priorities.

Comprehensive Services Tailored for Surfside Beach

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

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

  • Settlement Planning: We demonstrate how financial planning and traditional wealth management can outperform structured products, even after taxes.

  • Windfall and Lottery Planning: Transform unexpected financial gains into lasting legacies with strategic tax planning and investment integration.

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

  • Retirement and Exit Planning: Whether preparing for retirement or transitioning from a business, our services help maximize value and preserve your legacy.

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

  • Divorce Financial Planning and Personal Divorce Strategist Services: We offer unbiased advocacy and expert guidance to navigate the financial complexities of divorce, ensuring your interests are protected.

  • Inheritance Planning: During difficult times, we assist in assembling a team of professionals to manage and administer estates effectively.

Attracting High-Net-Worth Clients in Surfside Beach

Our expertise extends beyond Surfside Beach, serving clients nationwide who travel extensively or maintain multiple residences. We specialize in working with high-net-worth families, business owners, medical professionals, and more, providing personalized solutions that cater to your unique financial landscape.

Connect with Us

While we are proud to introduce our services to Surfside Beach, our reach is global. We represent clients around the world, including those in this vibrant community. To learn more about how we can assist you in achieving your financial goals, please contact us by appointment at our Houston office:

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

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

Discover how our expertise can help you build a secure financial future in Surfside Beach and beyond. Let us be your trusted partner in wealth management and financial planning.