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

Welcome to the Village of Hillcrest, a charming enclave nestled within the vibrant tapestry of Texas. Here, where the past meets the present, I, Amy Zamikovsky, JD, CFP®, CPWA®, am honored to introduce my wealth management and financial planning services. With over 15 years of combined experience, I am committed to building legacies for generations, providing personalized financial advisory services that cater to the unique needs of this community.

The Village of Hillcrest, known for its close-knit community and rich cultural heritage, is an ideal setting for fostering financial growth and security. Located near bustling cities like Houston, Hillcrest offers a serene environment while still being connected to the dynamic economic opportunities of the region. This proximity allows us to address both local and broader market needs, ensuring that your financial strategies are as robust as they are personalized.

As a CERTIFIED FINANCIAL PLANNER® professional and Certified Private Wealth Advisor® professional, I bring a wealth of knowledge and a fiduciary responsibility to act in your best interests. My approach is rooted in the belief that numbers never lie, and through meticulous tax-planned financial planning and wealth management, we can achieve superior financial outcomes compared to structured settlements.

Amy’s services extend nationwide, catering to clients with multiple residences and those who travel extensively. No matter where her clients are located, Amy strives to provide exceptional service with a personal touch. Whether you’re navigating the complexities of estate planning, optimizing your 401(k), or seeking guidance through a divorce, Amy is here to support you every step of the way.

Amy’s Services

Estate Planning
In collaboration with your team of professionals, Amy works to ensure your estate plan aligns with your financial goals and reflects your current wishes. Her comprehensive approach integrates legal, financial, and personal considerations to safeguard your legacy.

Wealth Management
Amy’s investment recommendations are grounded in conservative financial planning, ensuring your portfolio aligns with your values and objectives.

Settlement Planning
Amy strongly advocates financial planning and traditional wealth management as superior alternatives to structured products, even after taxes. Her data-driven approach lets the math speak for itself, ensuring optimal economic outcomes.

Windfall Planning
Sudden financial gains present opportunities for strategic planning. By integrating these elements into a cohesive financial strategy, Amy helps you navigate tax implications, retirement planning, and alternative investments.

Lottery Planning
Winning the lottery is just the beginning. Amy provides the necessary expertise to protect your newfound wealth and transform it into a lasting legacy, ensuring your family’s secure future.

Tax Planning
Amy’s tax planning services cover estate, gift, income, and capital gains taxes, among others. Amy works closely with CPAs to properly implement your customized strategies that optimize your changes at long-term financial success.

Retirement Planning
Whether you’re preparing for retirement or already enjoying it, Amy offers personalized guidance to help you navigate this life stage with confidence and security.

Exit Planning
Amy’s exit planning services help you transition from business ownership to retirement, maximizing your business’s value while minimizing taxes and preserving your legacy.

401(k) Optimization
Amy works to ensure your 401(k) aligns with your broader financial goals, helping you avoid common pitfalls and optimize your retirement savings.

Divorce Financial Planning
Amy’s divorce financial planning services provide objective, informed guidance to help you make sound decisions during this challenging time. She creates a clear roadmap for economic independence, tailored to your unique situation.

Personal Divorce Strategist
As your Personal Divorce Strategist, Amy combines her legal and financial expertise to protect your interests. From asset valuation to wealth preservation, Amy works to ensure you never face critical decisions alone.

Inheritance Planning
Amy offers compassionate guidance to help you manage and administer estates effectively in times of loss. Amy is here to support you and your family through every step of the process.

Amy’s Expertise

Specializing in portfolios exceeding $1 million, Amy is proud to serve clients in the Village of Hillcrest and beyond. Amy’s commitment to excellence and personal attention ensures that your financial journey is as rewarding as it is secure.

For appointments, please contact Amy’s office. She looks forward to partnering with you to build a legacy that stands the test of time!

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

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

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

Navigating the financial complexities of divorce can be daunting, but with Amy Zamikovsky, JD, CFP®, CPWA®, you have a seasoned expert by your side. Although not physically located in the Village of Hillcrest, Amy’s commitment to serving clients nationwide and in Puerto Rico, including those in your community, remains steadfast. Amy’s approach is rooted in empathy and understanding, recognizing the unique challenges individuals in the Village of Hillcrest face during such a pivotal life transition.

Divorce Financial Planning

At the heart of Amy’s service is a deep understanding of divorce’s emotional and financial intricacies. Amy isn’t just a seasoned legal and financial professional; she has experienced a similar journey, which fuels her dedication to providing unparalleled support and guidance.

Fact-Finding

Her process begins with a comprehensive fact-finding mission. She delves into the details of your financial landscape, taking the time to understand your unique circumstances and aspirations. This thorough exploration is crucial in the Village of Hillcrest, where local economic factors and community values can significantly influence financial planning. By gaining a complete picture of your financial situation, you will be empowered with the clarity and confidence needed to navigate the financial negotiations of your divorce. Your personalized financial plan will serve as a robust foundation for the future you envision.

Planning

Embarking on the next chapter of your life requires a strategic approach. Amy crafts bespoke financial strategies that align with your immediate needs and long-term goals. In the Village of Hillcrest, where community ties and local economic conditions play a role, her planning process is tailored to reflect these unique elements. She works collaboratively to illuminate the possibilities that lie ahead, ensuring that your financial independence is not just a dream but a tangible reality.

Implementation

The transformation from plan to action is where real change occurs. Amy partners with you and your trusted legal and financial advisors to streamline your financial life, ensuring that Amy’s strategies are effectively implemented. As your fiduciary, Amy is committed to making recommendations that are in your best interest, always. Amy’s goal is to simplify the complexities of financial planning, allowing you to focus on building a fulfilling future in the Village of Hillcrest.

Introducing Amy Zamikovsky, JD, CFP®, CPWA®

Amy Zamikovsky is a Senior Financial Advisor at Transform Wealth, bringing over 15 years of expertise 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, Amy’s academic and professional journey is a testament to her dedication and skill. Her tenure at Merrill Lynch, where she earned her CERTIFIED FINANCIAL PLANNER® designation, and her subsequent achievement of the Certified Private Wealth Advisor® designation from the Yale School of Management, underscore her commitment to excellence.

As an experienced Attorney and Counselor at Law in Texas, Amy leverages her legal acumen to develop 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 instruction of a State Bar of Texas CLE course, focusing on ethics, fiduciary duty, and legal settlement planning.

Amy’s Commitment to the Village of Hillcrest

While Amy’s office is located at 820 Gessner Road, Houston, Texas 77024, she is dedicated to serving clients in the Village of Hillcrest and beyond. Her nationwide reach ensures that you receive the highest level of service, no matter where you are. You are invited to contact@attorneyamycfp.com or (512) 537-2221 to learn more about how Amy can assist you in achieving your financial goals.

In the Village of Hillcrest, where community and tradition are cherished, I am honored to offer my expertise and support. My approach is not just about numbers; it’s about empowering you to make informed decisions that will shape your future. With Amy Zamikovsky, JD, CFP®, CPWA®, you have a trusted partner committed to your financial well-being.

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

Congratulations to the fortunate lottery winners in the Village of Hillcrest! Nestled in the heart of Texas, this charming village is known for its tight-knit community and rich cultural heritage. As you stand on the brink of a life-changing journey, it’s crucial to make informed decisions that will safeguard your newfound wealth for generations to come. I’m Amy Zamikovsky, a CERTIFIED FINANCIAL PLANNER® professional and Certified Private Wealth Advisor® professional, with over 15 years of experience in guiding high-net-worth individuals through the complexities of sudden wealth. I’m here to help you navigate this thrilling yet overwhelming time with confidence and clarity.

Preserve Your Winnings

In the Village of Hillcrest, where community values and traditions are cherished, protecting your newfound wealth is of utmost importance. 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: Protect your assets and minimize taxes with a comprehensive estate plan tailored to your unique situation.
  • Assemble a Team of Experts: I’ll connect you with a network of vetted attorneys, CPAs, and bankers who understand the nuances of wealth management.
  • Maintain Privacy and Security: Safeguarding your privacy is crucial in a close-knit community like Hillcrest. I’ll ensure your financial affairs remain confidential.
  • Manage Donation and Investment Requests: I’ll help you navigate the influx of requests with a strategic approach that aligns with your financial goals.

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 Lifestyle and Legacy Goals: Whether you dream of supporting local Hillcrest initiatives or traveling the world, Amy will outline your short and long-term objectives.
  • Invest for Growth and Preservation: I’ll guide you in selecting investments that balance growth, income, and capital preservation.
  • Maximize Tax Efficiency: Through strategic accounts and asset allocation, Amy will ensure optimal tax efficiency in managing your wealth.
  • Secure Your Retirement: With income-generating investments, you can enjoy a comfortable retirement while maintaining your desired lifestyle.
  • Establish Trusts and Gifts: Amy will work with your attorneys to create trusts and gifting strategies to benefit future generations and leave a lasting legacy.

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 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.

Amy will be 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

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

You’ve just won a significant case and secured a $1 million contingency fee. A structured settlement broker might suggest 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 the Village of Hillcrest and beyond collaborate with a CERTIFIED FINANCIAL PLANNER® professional to analyze the numbers before making a decision.

The True Cost of Deferral

Consider that you’re in the top federal tax bracket of 37%. On a $1 million fee, that’s a $370,000 tax bill if taken as a lump sum. It stings, 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 remarkable. Even after paying $370,000 in taxes, you end up with $1 to $1.9 million more by taking the lump sum and investing! And it only improves over the 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 substantial 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 typically won’t lend against deferred fees. Want to adjust your investments or estate plan? Unfortunately, your money is locked up.

More Tax-Efficient Growth

What about the “tax-free growth” that 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 devise a far more tax-smart approach than the blunt deferral method.

The Hidden Fees

Here’s another pitfall of deferral: 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 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 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’d like a personalized professional assessment of an upcoming fee decision, contact us today to see how Amy can help you maximize your hard-earned wealth.

Office Address

*BY APPOINTMENT ONLY
820 Gessner Road
Houston, Texas 77024

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

Services Offered to the Village of Hillcrest

  • Estate Planning: I collaborate with your team of professionals to ensure your estate plan reflects your current wishes and integrates seamlessly with your financial plan.
  • Wealth Management: My investment recommendations are based on sound, conservative financial planning, ensuring your portfolio aligns with your goals and values.
  • Settlement Planning: I will demonstrate how financial planning and traditional wealth management often provide superior benefits compared to structured products, even after taxes.
  • Windfall Planning: Strategic tax planning, retirement planning, and alternative investments are key to integrating cash flow surges with your existing finances.
  • Lottery Planning: Transform newfound wealth into a lasting legacy with Amy’s expertise, ensuring your assets are protected for future generations.
  • Tax Planning: My tax planning strategies provide a clear, quantified picture of optimal paths forward from estate taxes to Roth conversions.
  • Retirement Planning: Whether preparing for retirement or already retired, I offer guidance through all life stages, ensuring financial security and peace of mind.
  • Exit Planning: Maximize your business’s value and preserve your legacy with my comprehensive financial planning services.
  • 401(k) Optimization: Align your retirement account with your broader financial goals, avoiding common pitfalls and maximizing opportunities.
  • Divorce Financial Planning: My services provide expert guidance for informed decision-making during divorce, ensuring financial independence and clarity.
  • Personal Divorce Strategist: As your advocate, Amy combines her legal and financial expertise to protect your interests throughout the divorce process.
  • Inheritance Planning: Amy assists in managing estates effectively, ensuring your loved ones’ wishes are honored and their legacy preserved.

Amy’s Expertise in Serving High-Net-Worth and Ultra-High-Net-Worth Clients

Amy specializes in serving high-net-worth families, business owners, medical professionals, estate executors, corporate executives, and more. Amy’s services extend nationwide, catering to clients with multiple residences and those who travel extensively. While Amy proudly serves the Village of Hillcrest, her expertise knows no bounds.

For personalized financial planning and wealth management services, contact Amy at:

Office Address (By Appointment Only)

820 Gessner Road
Houston, Texas 77024

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

Discover how Amy Zamikovsky, JD, CFP®, CPWA®, can help you achieve your financial goals in the Village of Hillcrest and beyond.