Attorney Amy Zamikovsky, JD, CFP®, CPWA®: Wealth Management and Financial Planning in the Village of Bonney

Welcome to the Village of Bonney, a charming enclave nestled in the heart of Brazoria County, Texas. Here, the community thrives on its rich history and close-knit spirit, making it an ideal place for individuals and families to build lasting legacies. It is in this vibrant setting that I, Amy Zamikovsky, JD, CFP®, CPWA®, am thrilled to introduce my wealth management and financial planning services, tailored to meet the unique needs of this community.

Our Founding Story

With over 15 years of experience in wealth management, estate planning, and financial planning, I have dedicated my career to helping clients achieve their financial goals. 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 led me to earn the CERTIFIED FINANCIAL PLANNER® and Certified Private Wealth Advisor® designations, equipping me with the expertise to provide comprehensive financial advisory services.

Addressing Local Market Needs

The Village of Bonney, with its proximity to bustling cities like Houston and Pearland, offers a unique blend of rural charm and urban convenience. This dynamic environment presents distinct financial opportunities and challenges, which I am well-prepared to navigate. Whether you’re planning for retirement, managing an inheritance, or optimizing your 401(k), my services are designed to align with your personal and financial aspirations.

Building Legacies for Generations

At the core of my practice is a commitment to building legacies for generations. As a fiduciary, I am legally and ethically obligated to act in your best interests, ensuring that your financial plan is as robust and resilient as the community we serve. My approach is grounded in sound, conservative financial planning, with a focus on tax-planned strategies that maximize your wealth’s potential.

Comprehensive Financial Services

  • Estate Planning: Collaborating with a team of professionals, I ensure your estate plan reflects your wishes and integrates seamlessly with your financial plan.
  • Wealth Management: Every investment recommendation is tailored to your goals and values, ensuring your portfolio is both purposeful and profitable.
  • Settlement Planning: We prioritize financial planning over structured settlements, letting the numbers guide our decisions for optimal outcomes.
  • Windfall and Lottery Planning: Strategic planning for unexpected financial gains, ensuring they contribute to a lasting legacy.
  • Tax Planning: From estate to income taxes, our strategies provide clarity and efficiency, working closely with CPAs for seamless implementation.
  • Retirement and Exit Planning: Whether you’re preparing for retirement or transitioning from your business, our services ensure a smooth and prosperous journey.
  • 401(k) Optimization: We help you maximize your retirement account, aligning it with your broader financial goals.
  • Divorce Financial Planning and Personal Divorce Strategist Services: Providing objective guidance and advocacy, we support you through every stage of divorce, ensuring your financial independence and security.
  • Inheritance Planning: Offering compassionate support during difficult times, we help manage and administer estates with care and expertise.

Proud Memberships and Associations

I am honored to be a part of several esteemed organizations, including the Houston Association of Women Attorneys, 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.

Nationwide Expertise

While my roots are in Texas, my expertise extends nationwide, serving clients with multiple residences and those who travel extensively. This broad perspective allows me to offer insights and strategies that transcend local boundaries, ensuring your financial plan is as dynamic as your lifestyle.

Personal Attention and Care

Every client relationship is built on trust, respect, and personalized attention. I am deeply appreciative of the opportunity to serve you and am committed to providing the highest level of care and expertise. Together, we can navigate the complexities of financial planning, ensuring your legacy endures for generations to come.

For more information or to schedule an appointment, please contact me at:

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

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

Thank you for considering my services. I look forward to the privilege of working with you in the Village of Bonney and beyond.

Pre-and-Post Divorce Financial Planning in the Village of Bonney with Attorney Amy Zamikovsky, JD, CFP®, CPWA®

Nestled in the heart of Brazoria County, the Village of Bonney is a quaint and close-knit community that embodies the charm of small-town Texas. Known for its rich history and warm hospitality, Bonney offers a serene backdrop for those navigating the complexities of divorce. Here, amidst the sprawling landscapes and friendly faces, Attorney Amy Zamikovsky, JD, CFP®, CPWA®, extends her expertise in pre-and-post divorce financial planning to residents seeking clarity and confidence in their financial futures.

Introducing Amy Zamikovsky, JD, CFP®, CPWA® to the Village of Bonney

Amy Zamikovsky is a Senior Financial Advisor at Transform Wealth, bringing over 15 years of experience 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 trajectory saw her earning the prestigious CERTIFIED FINANCIAL PLANNER® and Certified Private Wealth Advisor® designations, equipping her with the skills to craft bespoke financial strategies. As a licensed Texas Attorney, she leverages her legal acumen to guide clients through the intricacies of financial planning, ensuring their wealth is built, preserved, and transferred efficiently.

Divorce Financial Planning: Tailored for the Village of Bonney

Divorce can be a challenging chapter, but with Amy’s guidance, residents of Bonney can navigate this transition with assurance. Her approach is deeply empathetic, rooted in personal experience and professional expertise. Amy understands the emotional and financial complexities of divorce, making her uniquely qualified to assist clients in this pivotal life stage.

Fact-Finding

In the Village of Bonney, we prioritize understanding you—the real you. Our comprehensive fact-finding process delves into every facet of your financial landscape, ensuring no detail is overlooked. This thorough approach provides the clarity and confidence needed during divorce negotiations. With a customized financial plan, you’ll have a robust foundation to build the future you deserve, right here in Bonney.

Planning

Your new chapter begins now. We craft financial strategies tailored to your unique goals, addressing both immediate needs and long-term aspirations. Our meticulous planning process illuminates the possibilities in your new phase of life, empowering you to achieve financial independence. In Bonney, where community and support are paramount, we stand by you every step of the way.

Implementation

Turning plans into action is where true transformation occurs. We collaborate with you and your trusted legal and financial professionals to streamline your financial life. As your fiduciary, we ensure every recommendation is in your best interest, facilitating a seamless transition into your new financial reality.

Our Commitment to the Village of Bonney

While our office is located in Houston, Texas, our commitment to serving clients extends to the Village of Bonney and beyond. We represent clients worldwide, offering our expertise to those in need of financial guidance. By appointment only, we are here to support you in building a secure financial future.

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

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

In the Village of Bonney, where history and community intertwine, Attorney Amy Zamikovsky, JD, CFP®, CPWA®, is dedicated to providing unparalleled financial planning services. With a focus on tax-planned financial strategies, Amy ensures that your financial future is not only secure but optimized for growth. Trust in the numbers, trust in the process, and trust in Amy’s expertise to guide you through this transformative journey.

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

Welcome to the Village of Bonney, a charming community nestled in the heart of Texas, where the warmth of southern hospitality meets the tranquility of rural life. Here, the spirit of community thrives, and the landscape is dotted with picturesque homes and lush greenery. As you embark on this exciting journey of newfound wealth, it’s essential to have a seasoned expert by your side to guide you through the complexities of financial management. Allow me, Amy Zamikovsky, JD, CFP®, CPWA®, to introduce myself to the Village of Bonney.

Preserve Your Winnings

Congratulations on your lottery win! This is a momentous occasion that can transform your life and the lives of those around you. However, with great fortune comes great responsibility. Protecting your newfound wealth is crucial to ensuring it benefits you and your loved ones for generations to come. As a CERTIFIED FINANCIAL PLANNER® professional and Certified Private Wealth Advisor® professional, I bring over 15 years of experience in wealth management to help you navigate this exciting yet overwhelming time.

In the Village of Bonney, where community ties run deep, safeguarding your assets from taxes, lawsuits, scams, and mismanagement is paramount. As your trusted advisor, I will help you:

  • Develop a comprehensive trust and estate plan to protect your assets and minimize taxes
  • Assemble a team of vetted attorneys, CPAs, and bankers to support your financial journey
  • Maintain your privacy and security in a close-knit community
  • Manage incoming donation and investment requests with discernment

Plan for a Lifetime of Wealth

Your lottery winnings don’t have to be a fleeting windfall. With strategic planning, they can serve as the foundation for lifelong financial security. Drawing on my extensive experience as a CFP® professional and CPWA® professional, I will craft a personalized wealth management plan tailored to your unique goals and aspirations.

In the Village of Bonney, where the pace of life allows for reflection and planning, we will work together to:

  • 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, ensuring your legacy endures

Give with Confidence

Philanthropy is a cherished value in the Village of Bonney, where community support and generosity are woven into the fabric of daily life. If giving back is a priority for you, I am here to guide you in transforming one-time gifts into enduring charitable vehicles. With tools like donor-advised funds and family foundations, you can create a giving legacy that reflects your values and inspires future generations.

Enjoy Your Winnings

Now is the time to savor the fruits of your success. Whether it’s purchasing a dream home, traveling the world, funding a college education, or acquiring that sports car you’ve always desired, I will help you allocate funds prudently. With a balanced approach, you can enjoy your blessings while maintaining long-term financial health.

Why Trust Amy Zamikovsky?

Navigating the complexities of sudden wealth requires a seasoned financial quarterback who understands the unique challenges of managing an overnight fortune. With over 15 years of experience as a CFP® professional and CPWA® professional, I have helped countless individuals and families turn windfalls into lasting wealth. My background as an attorney allows me to craft robust legal strategies to protect your assets from potential threats.

From the moment you claim your prize, I will be by your side as your personal CFO, investment expert, and legal advocate. I will filter the noise, educate you on your options, and always prioritize your interests, allowing you to enjoy your spectacular windfall with peace of mind.

Your Best Day Ever Could Be Today

If you’re holding a golden ticket, don’t delay in planning 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.

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 the Village of Bonney, not implying that we’re located there or moving there, only that we represent clients around the world, including but not limited to the Village of Bonney.

Village of Bonney Structured Attorney Fees: Why Deferral Costs Millions, Even After Taxes

Nestled in the heart of Brazoria County, the Village of Bonney is a charming community that embodies the spirit of small-town Texas. Known for its rich history and close-knit community, Bonney offers a unique backdrop for those seeking personalized financial advice. Here, amidst the scenic landscapes and warm hospitality, we aim to empower attorneys with the knowledge to make informed financial decisions.

The Importance of Strategic Financial Planning

As an attorney who has just secured a $1 million contingency fee, you might be tempted by the allure of deferring your fee into a “tax-advantaged” annuity. While this option may sound appealing, it often falls short when compared to the benefits of strategic financial planning. Even for those in the highest tax bracket, the numbers reveal a compelling case for taking a lump sum and investing wisely.

The True Cost of Deferral

Consider this: if you’re in the top federal tax bracket of 37%, a $1 million fee would incur a $370,000 tax bill if taken as a lump sum. While this may seem daunting, let’s explore the potential outcomes of 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 could end up with $1-1.9 million more by opting for the lump sum and investing it. 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.

The Advantages of Liquidity and Opportunity

Beyond the wealth gap, a lump sum provides invaluable liquidity and financial leverage. Whether you need funds for a lucrative investment or an unexpected expense, having access to your money is crucial. Banks are unlikely to lend against deferred fees, limiting your financial flexibility. Additionally, a lump sum allows you to pivot your investments or estate plan as needed, ensuring your financial strategy remains aligned with your goals.

Maximizing Tax-Efficient Growth

Structured settlement companies often promote “tax-free growth,” but with strategic planning, you can achieve even greater tax efficiency:

  • 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 craft a more tax-smart approach than the blunt deferral method.

Beware of 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 can significantly reduce fees and enhance your financial growth.

Professional Analysis is Key

Before considering a structured settlement proposal, it’s crucial to engage an experienced CERTIFIED FINANCIAL PLANNER® professional to model your unique scenario. More often than not, 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. We are here to help you maximize your hard-earned wealth and make informed financial choices.

Connect with Us

While we proudly serve clients worldwide, including those in the Village of Bonney, our office is located in Houston, Texas. We offer consultations by appointment only, ensuring personalized attention to your financial needs.

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

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

Let us guide you through the complexities of financial planning and wealth management, ensuring your financial future is as bright as the Texas sun.

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

Welcome to the Village of Bonney, a charming community nestled in the heart of Texas, where the spirit of Southern hospitality meets the promise of growth and prosperity. As we introduce our specialized financial services to this vibrant locale, we are thrilled to offer our expertise in wealth management and financial planning, tailored to meet the unique needs of Bonney’s residents.

Why Choose Tax-Planned Financial Planning?

In the Village of Bonney, where tradition and innovation coexist, making informed financial decisions is paramount. We emphasize the importance of tax-planned financial planning and wealth management as superior strategies compared to structured settlements. Numbers don’t lie, and our approach is rooted in the undeniable truth that math decides. By focusing on tax efficiency, we help you maximize your wealth and secure your financial future.

Our Specialization: Where Legal Expertise Meets Customized Wealth Strategies

Amy Zamikovsky, JD, CFP®, CPWA®, brings over 15 years of experience in wealth management, estate planning, and financial planning. Her legal background as a Texas attorney uniquely positions her to guide you through the complexities of financial planning with a keen understanding of the legal landscape. Our services are designed for portfolios exceeding $1 million, ensuring that high-net-worth individuals in Bonney receive the personalized attention they deserve.

Tailored Financial Solutions for Bonney’s Unique Needs

In Bonney, where community ties run deep, we understand the importance of preserving and growing your wealth while enjoying life’s journey. Our holistic approach aligns with your priorities, goals, and values, offering solutions that range from wealth management to optimized tax and estate planning strategies. We work closely with your team of professionals, including attorneys, trustees, and CPAs, to ensure your estate plan reflects your current wishes and integrates seamlessly with your financial plan.

Empowering Your Legacy with Confidence

As an experienced attorney and fiduciary, Amy Zamikovsky is dedicated to guiding you and your family through sensitive yet necessary discussions. Our customized financial strategies empower you to confidently build your ideal personal legacy, ensuring that your wealth is preserved and transferred according to your wishes.

Comprehensive Services for Every Stage of Life

Our expertise extends far beyond Bonney, serving clients nationwide with multiple residences and extensive travel. Whether you’re navigating a divorce, managing a windfall, or planning for retirement, our services are designed to meet your unique needs:

  • Divorce Financial Planning: We provide expert guidance to help you make informed decisions during this challenging time, ensuring your financial independence and future stability.
  • Windfall Planning: Strategic tax planning and integration with existing finances lay the foundation for lasting prosperity.
  • Retirement Planning: We offer personalized support through all stages of life, helping you prepare for a secure and fulfilling retirement.
  • Exit Planning: Transform years of hard work into a lasting legacy with our comprehensive financial planning services.
  • 401(k) Optimization: Maximize your retirement account’s potential while aligning with your broader financial goals.

Serving Bonney’s Diverse Community

Our firm specializes in serving high-net-worth families, business owners, medical professionals, estate executors, and more. We are proud to support Bonney’s diverse community, offering tailored solutions that reflect the unique challenges and opportunities of this dynamic region.

Connect with Us

We invite you to explore the benefits of working with a Certified Financial Planner® professional and Certified Private Wealth Advisor® professional like Amy Zamikovsky. With a commitment to education and financial protection, Amy is passionate about helping you achieve your financial goals.

For more information or to schedule an appointment, please contact us at:

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

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

Discover how our expertise can transform your financial future in the Village of Bonney and beyond. We look forward to partnering with you on this journey toward financial success and peace of mind.