Welcome to the Village of Bonney, a charming community nestled in the heart of Brazoria County, Texas. Known for its rich history and close-knit community, Bonney offers a unique blend of small-town charm and modern convenience. As I introduce my services to this vibrant locale, I am excited to bring my dual expertise in wealth management and financial planning to meet the specific needs of its residents.

Building Legacies for Generations

I am attorney Amy Zamikovsky, JD, CFP®, CPWA®, a Senior Financial Advisor with over 15 years of combined 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, my journey has been one of dedication and passion for helping clients build, preserve, and efficiently transfer wealth. My credentials as a CERTIFIED FINANCIAL PLANNER® professional and Certified Private Wealth Advisor® professional reflect my commitment to providing the highest standard of financial advisory services.

Understanding Local Market Needs

The Village of Bonney, surrounded by the natural beauty of the Texas Gulf Coast, is a community that values tradition and forward-thinking. As I extend my services here, I recognize the importance of addressing local market needs with a personalized approach. My financial planning services are designed to cater to the unique economic landscape of Bonney and its neighboring towns, such as Freeport and Lake Jackson.

Comprehensive Financial Advisory Services

My services include financial planning, wealth management, settlement planning, windfall planning, lottery planning, tax planning, retirement planning, exit planning, 401(k) optimization, divorce and marital financial planning, and inheritance planning. Each service is tailored to ensure that your financial goals align with your personal values and aspirations.

Estate Planning

I collaborate with your personal team of financial professionals, including attorneys, trustees, administrators, and CPAs, to ensure your estate plan reflects your current wishes and integrates seamlessly with your financial plan.

Wealth Management

My investment recommendations are grounded in sound, conservative financial planning. My priority is to ensure that your portfolio aligns with your goals and values and earns its place in your strategy and portfolio.

Settlement Planning

I believe in the financial superiority of traditional wealth management and financial planning over structured settlements, even after taxes. My approach is rooted in precise, quantitative analysis, letting the numbers guide your strategies instead of fear of “taxes” and emotions.

Windfall and Lottery Planning

Whether you’re experiencing a cash flow surge or a lottery win, I provide strategic tax planning, retirement planning, and alternative investment options to secure your financial future and transform your wealth into a lasting legacy.

Tax and Retirement Planning

My tax planning services cover estate, gift, income, capital gains taxes, and Roth conversions. I work closely with CPAs to ensure the proper implementation of your custom strategies. My retirement planning services cater to clients at all stages, providing a smooth transition into retirement.

Exit and 401(k) Optimization Planning

My exit planning services help you maximize your business’s value and preserve your legacy. I also offer 401(k) plan optimization to align your qualified, employer-sponsored retirement account with your broader financial goals.

Divorce & Marriage Financial Planning and Personal Divorce Strategist

I provide financial guidance for divorce and marriage financial planning, helping you make informed decisions and protect your interests. As your Personal Divorce Strategist, I combine my expertise as an attorney and CERTIFIED FINANCIAL PLANNER® professional to support you through every step of the process. When emotions are high, the numbers will serve as your guide.

Inheritance Planning

I care deeply about each of my clients and offer compassionate support during times of loss, helping you manage and administer estates effectively, regardless of your loved one’s jurisdiction.

Amy’s Professional Affiliations

I am a proud member of several esteemed organizations, including the Houston Estate and Financial Forum, the Houston Association of Women Attorneys, the Houston Bar Association—Probate, Trusts & Estates & Litigation sections, and NAPFA, the National Association of Personal Financial Advisors. I am also a fellow of the Texas Bar College, an honorary society of the State Bar of Texas that recognizes Texas attorneys committed to high standards of legal education and professional development. Less than 5% of all Texas attorneys are fellows of the Texas Bar College. These affiliations reflect my strong commitment to professional excellence and ethical standards.

A Fiduciary Commitment

As a fiduciary, I am legally and ethically obligated to act in your best interests. This commitment underpins every aspect of my financial advisory services, ensuring that your needs and goals are at the forefront of our relationship and remain my top priority.

Serving Clients Nationwide

While I am excited to introduce my services to the Village of Bonney, my dual expertise extends far beyond any one locale. I proudly serve clients nationwide and in Puerto Rico, offering personalized attention and care to those with multiple residences and extensive, unpredictable travel schedules.

Contact Us

I invite you to learn more about how I can help you build a legacy for generations. My office is located at 820 Gessner Road, Houston, Texas, 77024, and I am available by appointment only. Please contact me at (512) 537-2221 or email: contact@attorneyamycfp.com.

Thank you for considering me as your trusted financial planning and wealth management partner. I look forward to serving the Village of Bonney and helping you achieve your financial goals with integrity and dedication.

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

Nestled in the heart of Brazoria County, the Village of Bonney is rich in history and culture, offering a unique blend of small-town charm and modern conveniences. Amy Zamikovsky, JD, CFP®, CPWA®, recognizes the importance of providing tailored financial planning services that resonate with residents’ specific needs and aspirations.

Divorce Financial Planning

Divorce can be a challenging journey, and I understand the complexities involved. Empathy and expertise are at the heart of my approach, drawing from personal experiences and professional acumen to guide you through this transition. My services are designed to empower you with knowledge and confidence, ensuring your financial future is secure.

Fact-Finding

In the Village of Bonney, where community ties run deep, I take the time to understand you as an individual. My comprehensive fact-finding process delves into every aspect of your financial landscape, providing clarity and insight. I focus on building a complete picture of your financial situation, which is crucial during divorce negotiations. This personalized approach ensures that your financial plan is not just a document but a roadmap to the future you envision.

Planning

Your new chapter begins here. Amy works to craft financial strategies that align with your immediate and long-term goals. Whether you want to maintain your current lifestyle or embark on new ventures, my financial planning process is meticulous and forward-thinking. In the Village of Bonney, where the future is as bright as the Texas sun, I help you explore all possibilities, ensuring your financial independence is within reach.

Implementation

The transformation from plan to reality is where my expertise shines. I work collaboratively with your legal and financial advisors to streamline your financial life, ensuring every strategy is executed seamlessly. As your fiduciary, I am committed to making recommendations that serve your best interests, helping you navigate the complexities of divorce with confidence and clarity.

Introducing Amy Zamikovsky, JD, CFP®, CPWA®

Amy Zamikovsky brings over 15 years of experience in wealth management, estate planning, and financial planning. Her educational background includes a B.S. in Biology from Southeastern Louisiana University and a J.D. from the University of Houston Law Center. Her journey through prestigious institutions like Merrill Lynch and the Yale School of Management has equipped her with the skills to earn the CERTIFIED FINANCIAL PLANNER® and Certified Private Wealth Advisor® designations.

As a Senior Financial Advisor and a licensed Texas Attorney, Amy leverages her dual expertise to craft customized financial strategies that build, preserve, and efficiently transfer wealth. Her passion for education and financial protection for her client and the general public is evident in her development and teaching of a State Bar of Texas CLE course, focusing on ethics, fiduciary duty, and legal settlement planning.

My Commitment to the People of the Village of Bonney

Though I am not physically located in the Village of Bonney, my commitment to serving clients in Puerto Rico and Nationwide, including this community, remains steadfast. My services are offered by appointment only, ensuring personalized attention and privacy for each client and potential client.

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 progress intertwine, I am excited to offer my expertise in pre- and post-divorce financial planning. Amy Zamikovsky, JD, CFP®, CPWA®, helps you confidently navigate divorce’s complexities, knowing that your financial future is in capable hands.

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

Congratulations, Village of Bonney lottery winners! You’ve just hit the jackpot, and your life will transform in ways you’ve only imagined. Amidst the excitement and the whirlwind of newfound wealth, you face crucial decisions that will shape your financial security for generations to come. As a CERTIFIED FINANCIAL PLANNER® professional, Certified Private Wealth Advisor® professional, and an attorney with over 15 years of combined experience advising high-net-worth and ultra-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 unnecessary taxes, lawsuits, scams, and mismanagement. As your trusted advisor, I’ll help you:

  • Work with the right attorney to create a trust and estate plan to protect your assets and minimize taxes

  • Assemble a team of reputable professionals such as attorneys, CPAs, appraisers, insurance brokers, trustees, 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 financial and legal experience, 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 account types and proper 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 how to turn 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 remaining on track for long-term financial success.

Why Trust Amy Zamikovsky, JD, CFP®, CPWA®?

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 and ultra-high-net-worth clients.

As a CFP® professional and CPWA® professional with over 15 years of combined experience, I’ve helped countless individuals and families translate sudden windfalls into lasting wealth. My background as an attorney also allows me to oversee your attorney’s legal strategies to protect your assets from potential risk and 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.

I’ll be here for you and your family every step of the way.

I work with clients nationwide, including but not limited to the Village of Bonney.

Office Address

*BY APPOINTMENT ONLY
820 Gessner Road
Houston, Texas 77024

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

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 known for its rich history and close-knit atmosphere. Although not physically located here, I proudly serve clients in this vibrant area, offering my financial planning and wealth management expertise. As you navigate the complexities of financial decisions, particularly regarding structured attorney fees, it’s crucial to understand the potential impact on your wealth.

Imagine you’re a successful attorney, and you’ve just secured a $1 million contingency fee from a significant case. A structured settlement broker might suggest deferring your fee into a “tax-advantaged” annuity. While this may sound appealing initially, is it the best financial decision in the long term? The answer is a resounding no for most attorneys, even those in the highest tax bracket. Let’s explore why collaborating with a CERTIFIED FINANCIAL PLANNER® professional to analyze the numbers is a smart move.

You wouldn’t buy a $1M airplane without first having it inspected! Why would you make a $1M financial decision that has permanent repercussions and surrender charges without first consulting an expert?

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 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 substantial. 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 could grow to $6.4 million after tax, compared to just $1.5 million with deferral.

Lost Opportunity and Liquidity

Beyond the sheer wealth gap, opting for a lump sum provides invaluable liquidity and leverage. Should you need funds for a lucrative investment or an unexpected expense, you can access a securities-based loan. Banks typically won’t lend against deferred fees. If you wish to adjust your investments or estate plan, having your money tied up in a deferral can be a significant limitation.

More Tax-Efficient Growth

Structured settlement companies often highlight “tax-free growth,” but with strategic planning, you can 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 CFP, particularly a Certified Private Wealth Advisor® (CPWA) professional, can help you devise a more tax-smart approach than the blunt deferral method.

Don’t Defer Without Professional Analysis

Before considering a structured settlement, consult an experienced CFP® professional to model your unique financial scenario. You’ll likely find that the compounding effect of investing your after-tax lump sum far outweighs any perceived deferral benefits, even in the highest tax bracket.

If you’re interested in a personalized professional assessment of an upcoming fee decision, contact me today to discover how I can help you maximize your hard-earned wealth.

Contact Information

Please note that Amy serves clients nationwide and in Puerto Rico, including this vibrant community. My physical office is located by appointment only at:

Office Address:

820 Gessner Road
Houston, Texas 77024

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

Reach out to explore how Amy can assist you in making informed financial decisions that align with your long-term financial goals and aspirations.

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

The Village of Bonney is a charming community in the heart of Brazoria County, Texas. Known for its rich history and close-knit community, Bonney offers a unique blend of rural tranquility and proximity to the bustling city of Houston. As I introduce my wealth management and financial planning services to this vibrant locale, my ultimate goal is to provide residents with the tools and strategies necessary to secure their financial futures.

The Importance of Tax-Planned Financial Planning

The benefits of tax-planned financial planning cannot be overstated in the Village of Bonney, where the community values tradition and forward-thinking. Unlike structured settlements, which often offer limited flexibility, my financial planning-based approach focuses on the numbers that never lie. By leveraging tax-efficient strategies, Amy works to help you maximize your wealth, ensuring that every dollar works hard for you.

Amy’s Specialization: Portfolios Over $1M

My services are tailored to meet the unique challenges and opportunities faced by high-net-worth and ultra-high-net-worth individuals in Bonney. Whether you’re a business owner, medical professional, or retiree, my holistic approach to financial planning helps preserve and grow your wealth. From wealth management to optimized tax and estate planning strategies, my personalized solutions align with your priorities, goals, and values.

Guiding You Through Sensitive Discussions

As an experienced attorney and fiduciary, Amy Zamikovsky, JD, CFP®, CPWA®, is uniquely positioned to guide you and your family through the most sensitive yet necessary financial discussions. Your customized strategies will empower you to confidently build your ideal personal legacy, ensuring that your wealth is preserved for future generations.

Meet Amy Zamikovsky, JD, CFP®, CPWA®

Amy Zamikovsky is a Senior Financial Advisor at Transform Wealth with over 15 years of experience in wealth management, estate planning, and financial planning. Holding a B.S. in Biology from Southeastern Louisiana University and a J.D. from the University of Houston Law Center, Amy combines her legal expertise with financial acumen to create customized strategies that efficiently build, preserve, and transfer wealth. Her passion for educating and financially protecting the public is evident in her work, including developing and teaching a State Bar of Texas CLE course on ethics, fiduciary duty, and legal settlement planning.

Comprehensive Financial Services for Bonney

Amy’s services extend far beyond traditional financial planning, offering a comprehensive suite of solutions tailored to the needs of Bonney residents:

  • Estate Planning: Collaborating with your team of professionals to ensure your estate plan aligns with your financial goals.

  • Wealth Management: Providing investment recommendations based on sound, conservative financial planning.

  • Settlement Planning: Demonstrating the financial superiority of traditional wealth management over structured products.

  • Windfall Planning: Offering strategic tax planning and investment opportunities for cash flow surges.

  • Lottery Planning: Transforming newfound wealth into a lasting legacy.

  • Tax Planning: Delivering clear, quantified strategies for estate, gift, income, and capital gains taxes.

  • Retirement Planning: Supporting you through all stages of life with tailored retirement strategies.

  • Exit Planning: Maximizing your business’s value and preserving your legacy.

  • 401(k) Optimization: Ensuring your retirement account aligns with your broader financial goals.

  • Divorce Financial Planning: Providing expert guidance for informed decisions during divorce.

  • Personal Divorce Strategist: Serving as your dedicated advocate, combining legal and financial expertise.

  • Inheritance Planning: Assisting with estate administration and management during difficult times.

Attracting High-Net-Worth Clients

Amy specializes in serving high-net-worth and ultra-high-net-worth families, business owners, medical professionals, estate executors, high-earning professionals, corporate executives, founders, professional athletes, inheritors, retirees, divorcees, and lottery winners. My dual expertise extends nationwide and into Puerto Rico, accommodating clients with multiple residences and who travel extensively.

Connect with Amy Zamikovsky, JD, CFP®, CPWA®

I proudly serve clients nationwide and Puerto Rico. My office is located at 820 Gessner Road, Houston, Texas 77024, and am available by appointment only. For inquiries, please contact us at contact@attorneyamycfp.com or call (512) 537-2221.