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

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

Building Legacies for Generations

I am Amy Zamikovsky, JD, CFP®, CPWA®, a Senior Financial Advisor with over 15 years of 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 transfer wealth effectively. 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 Jones Creek, surrounded by the natural beauty of the Texas Gulf Coast, is a community that values tradition and forward-thinking. As we extend our services here, we recognize the importance of addressing local market needs with a personalized approach. Our financial planning services are designed to cater to the unique economic landscape of Jones Creek and its neighboring towns, such as Freeport and Lake Jackson.

Comprehensive Financial Advisory Services

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

Estate Planning

We collaborate with a team of 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

Our investment recommendations are grounded in sound, conservative financial planning. We ensure that your portfolio aligns with your goals and values, earning its place in your financial strategy.

Settlement Planning

We emphasize the financial superiority of traditional wealth management over structured settlements, even after taxes. Our approach is rooted in clear, quantitative analysis, letting the numbers guide our strategies.

Windfall and Lottery Planning

Whether you’re experiencing a cash flow surge or a lottery win, we 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

Our tax planning services cover estate, gift, income, and capital gains taxes, as well as Roth conversions. We work closely with CPAs to implement optimal strategies. Our retirement planning services cater to clients at all stages, ensuring a smooth transition into retirement.

Exit and 401(k) Optimization Planning

Our exit planning services help you maximize your business’s value and preserve your legacy. We also offer 401(k) optimization to align your retirement account with your broader financial goals.

Divorce Financial Planning and Personal Divorce Strategist

We provide expert guidance for divorce 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.

Inheritance Planning

We offer compassionate support during times of loss, helping you manage and administer estates effectively, regardless of jurisdiction.

Our Professional Affiliations

We are proud members of several esteemed organizations, including the Houston Association of Women Attorneys, Houston Estate and Financial Forum, Houston Bar Association – Probate, Trusts & Estates & Litigation sections, and NAPFA The National Association of Personal Financial Advisors. These affiliations reflect our 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 our financial advisory services, ensuring that your needs are always our top priority.

Serving Clients Nationwide

While we are excited to introduce our services to the Village of Jones Creek, our expertise extends far beyond local boundaries. We proudly serve clients nationwide, offering personalized attention and care to those with multiple residences and extensive travel schedules.

Contact Us

We invite you to reach out and learn more about how we can help you build a legacy for generations. Our office is located at 820 Gessner Road, Houston, Texas 77024, and we are available by appointment only. Please contact us at (512) 537-2221 or email contact@attorneyamycfp.com.

Thank you for considering us as your trusted partner in financial planning and wealth management. We look forward to serving the Village of Jones Creek and helping you achieve your financial goals with integrity and dedication.

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

Nestled in the heart of Brazoria County, the Village of Jones Creek is a community rich in history and culture, offering a unique blend of small-town charm and modern conveniences. As we introduce Attorney Amy Zamikovsky, JD, CFP®, CPWA®, to this vibrant locale, we recognize the importance of providing tailored financial planning services that resonate with the residents’ specific needs and aspirations.

Divorce Financial Planning

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

Fact-Finding

In the Village of Jones Creek, where community ties run deep, we take the time to understand you as an individual. Our comprehensive fact-finding process delves into every aspect of your financial landscape, providing clarity and insight. We 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. We craft financial strategies that align with your personal goals, both immediate and long-term. Whether you’re looking to maintain your current lifestyle or embark on new ventures, our planning process is meticulous and forward-thinking. In the Village of Jones Creek, where the future is as bright as the Texas sun, we help you explore all possibilities, ensuring your financial independence is within reach.

Implementation

The transformation from plan to reality is where our expertise shines. We work collaboratively with your legal and financial advisors to streamline your financial life, ensuring every strategy is executed seamlessly. As your fiduciary, we are 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 legal expertise to craft customized financial strategies that build, preserve, and transfer wealth effectively. Her passion for education and financial protection is evident in her development of a State Bar of Texas CLE course, focusing on ethics, fiduciary duty, and legal settlement planning.

Our Commitment to the Village of Jones Creek

While we are not physically located in the Village of Jones Creek, our commitment to serving clients worldwide, including this community, remains steadfast. We offer our services by appointment, ensuring personalized attention and tailored solutions for each client.

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

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

In the Village of Jones Creek, where history and progress intertwine, we are excited to offer our expertise in pre-and-post divorce financial planning. With Attorney Amy Zamikovsky, JD, CFP®, CPWA®, you can navigate the complexities of divorce with confidence, knowing that your financial future is in capable hands.

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

Congratulations, Village of Jones Creek 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 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 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, 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 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 introduction to the Village of Jones Creek. Remember, we are just introducing ourselves to this location, 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 Jones Creek.

Office Address

BY APPOINTMENT ONLY
820 Gessner Road
Houston, Texas 77024

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

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

Nestled in the heart of Brazoria County, the Village of Jones Creek is a charming community known for its rich history and close-knit atmosphere. Although we’re not located here, we proudly serve clients in this vibrant area, offering our expertise in financial planning and wealth management. 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’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, is it truly the best financial decision? For most attorneys, even those in the highest tax bracket, the answer is a resounding no. Let’s delve into why collaborating with a Certified Financial Planner® (CFP) professional to analyze the numbers is a smart move.

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.

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, investing your lump sum in low-cost index funds incurs only a fraction of these fees.

Don’t Defer Without Professional Analysis

Before considering a structured settlement proposal, consult an experienced CFP to model your unique scenario. You’ll likely 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 discover how we can help you maximize your hard-earned wealth.

Contact Information

While we introduce ourselves to the Village of Jones Creek, please note that we represent clients globally, including this vibrant community. Our 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 us to explore how we can assist you in making informed financial decisions that align with your goals and aspirations.

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

Welcome to the Village of Jones Creek, a charming community nestled in the heart of Brazoria County, Texas. Known for its rich history and close-knit community, Jones Creek offers a unique blend of rural tranquility and proximity to the bustling city of Houston. As we introduce our wealth management and financial planning services to this vibrant locale, we aim to provide residents with the tools and strategies needed to secure their financial futures.

The Importance of Tax-Planned Financial Planning

In the Village of Jones Creek, where the community values tradition and forward-thinking, the benefits of tax-planned financial planning cannot be overstated. Unlike structured settlements, which often offer limited flexibility, our approach focuses on the numbers that never lie. By leveraging tax-efficient strategies, we help you maximize your wealth, ensuring that every dollar works harder for you. Our expertise in financial planning, where legal acumen meets customized wealth strategies, sets us apart.

Our Specialization: Portfolios Over $1M

Our services are tailored to meet the unique challenges and opportunities faced by high-net-worth individuals in Jones Creek. Whether you’re a business owner, medical professional, or retiree, our holistic approach to financial planning helps preserve and grow your wealth. From wealth management to optimized tax and estate planning strategies, our 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 sensitive yet necessary financial discussions. Our customized strategies 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 Jones Creek

Our services extend far beyond traditional financial planning, offering a comprehensive suite of solutions tailored to the needs of Jones Creek 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

We specialize in serving high-net-worth families, business owners, medical professionals, estate executors, high-earning professionals, corporate executives, founders, professional athletes, inheritors, retirees, divorcees, and lottery winners. Our expertise extends nationwide, accommodating clients with multiple residences and extensive travel.

Connect with Us

While we are introducing our services to the Village of Jones Creek, we proudly represent clients around the world. Our office is located at 820 Gessner Road, Houston, Texas 77024, and we are available by appointment only. For inquiries, please contact us at contact@attorneyamycfp.com or call (512) 537-2221.

We look forward to serving the residents of Jones Creek and helping you achieve your financial goals with confidence and clarity.