Attorney Amy Zamikovsky, JD, CFP®, CPWA®: Wealth Management and Financial Planning in the City of Angleton
Welcome to the City of Angleton, a charming community nestled in the heart of Brazoria County, Texas. Known for its rich history and close-knit community, Angleton offers a unique blend of small-town warmth and modern conveniences. As we introduce our wealth management and financial planning services to this vibrant city, we are excited to bring our expertise and personalized approach to meet the financial needs of Angleton’s residents.
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. 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 career has been shaped by my time at Merrill Lynch, where I earned my CERTIFIED FINANCIAL PLANNER® designation, and further honed my skills at the Yale School of Management, achieving the Certified Private Wealth Advisor® designation.
In Angleton, a city that values tradition and community, we understand the importance of building legacies for generations. Our services are designed to address the unique financial landscape of Angleton and its neighboring towns, such as Lake Jackson and Clute. We are committed to providing financial advisory services that reflect the values and aspirations of this community.
Our approach is rooted in a fiduciary duty, ensuring that we act in the best interests of our clients. We are proud members of professional organizations such as the Houston Association of Women Attorneys, the Houston Estate and Financial Forum, and the Houston Bar Association – Probate, Trusts & Estates & Litigation sections. These affiliations underscore our commitment to ethical and informed financial planning.
We offer a comprehensive suite of services tailored to the needs of Angleton’s residents:
Estate Planning
We collaborate with a team of professionals, including attorneys, trustees, and CPAs, to ensure your estate plan aligns with your financial goals and reflects your current wishes.
Wealth Management
Our investment recommendations are grounded in conservative financial planning, ensuring your portfolio aligns with your goals and values.
Settlement Planning
We demonstrate that financial planning and traditional wealth management often surpass the benefits of structured settlements, even after taxes.
Windfall Planning
Strategic tax planning and integration with existing finances are key to managing cash flow surges, ensuring lasting prosperity.
Lottery Planning
We provide the expertise to protect your newfound wealth and transform it into a lasting legacy.
Tax Planning
Our tax planning services cover estate, gift, income, and capital gains taxes, providing a clear strategy for optimal financial outcomes.
Retirement Planning
We guide you through all stages of life, ensuring your retirement plan aligns with your evolving needs.
Exit Planning
Our team helps maximize your business’s value, minimize taxes, and preserve your legacy through comprehensive financial planning.
401(k) Optimization
We optimize your retirement account to align with your financial goals, offering advice as a fiduciary CFP® professional.
Divorce Financial Planning
Our services provide objective guidance to help you navigate the financial aspects of divorce, ensuring informed decisions.
Personal Divorce Strategist
As your advocate, I combine my legal and financial expertise to protect your interests during divorce proceedings.
Inheritance Planning
We offer compassionate guidance to help you manage and administer estates, ensuring a smooth transition during difficult times.
At our firm, we specialize in portfolios exceeding $1 million, offering personalized attention and care to each client. While we are based in Houston, Texas, our services extend nationwide, including to the residents of Angleton. We are honored to serve clients with multiple residences and those who travel extensively, bringing our expertise to a diverse clientele.
For appointments, please contact us at:
Office Address (By Appointment Only) 820 Gessner Road
Houston, Texas 77024
Email: contact@attorneyamycfp.com
Phone: (512) 537-2221
We look forward to building lasting legacies with the residents of Angleton, ensuring financial security and prosperity for generations to come.
Pre-and-Post Divorce Financial Planning in the City of Angleton with Attorney Amy Zamikovsky, JD, CFP®, CPWA®
Welcome to the City of Angleton, a charming community nestled in the heart of Brazoria County, Texas. Known for its rich history and vibrant culture, Angleton is a place where tradition meets progress. As a part of this thriving locale, we understand the unique financial landscape and cultural nuances that make Angleton special. Here, we introduce Attorney Amy Zamikovsky, JD, CFP®, CPWA®, a seasoned professional dedicated to guiding you through the complexities of pre-and-post divorce financial planning.
Introducing 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. 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. During her tenure at Merrill Lynch, Amy earned her CERTIFIED FINANCIAL PLANNER® designation and later achieved her Certified Private Wealth Advisor® designation through the Yale School of Management. As a licensed Texas Attorney, Amy leverages her legal expertise to craft personalized financial strategies that help build, preserve, and transfer wealth effectively. Her passion for education and financial protection extends to teaching a State Bar of Texas CLE course on ethics, fiduciary duty, and legal settlement planning.
Pre-and-Post Divorce Financial Planning: Specializing in the Needs of the City of Angleton
Divorce Financial Planning can be a daunting process, but with Amy Zamikovsky by your side, you are not alone. We understand the emotional and financial challenges that come with divorce, and we are committed to providing expert guidance tailored to your specific needs in Angleton.
Fact-Finding
Our journey begins with understanding you—the real you. We delve deep into your financial landscape, ensuring that every detail is considered. Our compassionate approach is designed to provide clarity and confidence during your divorce negotiations. By thoroughly analyzing your financial situation, we lay the groundwork for a future that aligns with your aspirations.
Planning
The next chapter of your life starts here. We craft bespoke financial strategies that reflect your unique goals, both immediate and long-term. Our planning process is meticulous, shedding light on the possibilities that await you in this new phase of life. Whether you’re looking to secure short-term stability or build long-term financial independence, we are here to guide you every step of the way.
Implementation
Turning plans into action is where true transformation begins. We collaborate with you and your trusted legal and financial professionals to streamline your financial life. As your fiduciary, we ensure that every recommendation is made with your best interests at heart. Our goal is to empower you to take control of your financial future with confidence.
Our Commitment to the City of Angleton
While we are introducing ourselves to the City of Angleton, it is important to note that we represent clients globally, including those in this vibrant community. Our office, located at 820 Gessner Road, Houston, Texas 77024, operates by appointment only. We are committed to providing exceptional service to our clients, no matter where they are located.
For more information or to schedule a consultation, please contact us at:
- Email: contact@attorneyamycfp.com
- Phone: (512) 537-2221
At the heart of our practice is a commitment to helping you navigate the financial complexities of divorce with confidence and clarity. With Amy Zamikovsky, JD, CFP®, CPWA®, you have a trusted advisor dedicated to your financial well-being.
City of Angleton Lottery Winners: Secure Your Dreams with Strategic Wealth Management from Attorney Amy Zamikovsky, JD, CFP®, CPWA®
Congratulations, City of Angleton lottery winners! You’ve just unlocked a world of possibilities with your incredible win. As you stand on the brink of a life transformed, it’s essential to make informed decisions that will safeguard your financial future for generations to come. I’m Amy Zamikovsky, a CERTIFIED FINANCIAL PLANNER® professional, Certified Private Wealth Advisor® professional, and an experienced attorney with over 15 years of expertise in guiding high-net-worth individuals. I’m here to help you navigate this exhilarating yet overwhelming time with confidence and clarity.
Preserve Your Winnings
In the heart of Brazoria County, the City of Angleton is known for its warm community spirit and rich Texan heritage. As you celebrate your newfound wealth, it’s crucial to protect it from potential pitfalls such as taxes, lawsuits, scams, and mismanagement. As your trusted advisor, I’ll assist you in:
- Creating a trust and estate plan to shield your assets and minimize taxes
- Assembling a team of vetted attorneys, CPAs, and bankers
- Maintaining your privacy and security
- Managing incoming donation and investment requests
Plan for a Lifetime of Wealth
Your jackpot doesn’t have to be a fleeting windfall; with strategic planning, it can be the foundation for lifelong prosperity. 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 close to your heart, I take great pleasure in guiding you to transform one-time gifts into enduring charitable vehicles. With tools like donor-advised funds and family foundations, you can translate your values into impactful giving and establish a 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 desired. 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?
Winning the lottery 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 proven track record 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 transform 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 City of Angleton. Remember, we are just introducing ourselves to this vibrant community, not implying that we’re located there or moving there, only that we represent clients around the world, including but not limited to the City of Angleton.
Office Address
BY APPOINTMENT ONLY
820 Gessner Road
Houston, Texas 77024
Email: contact@attorneyamycfp.com
Phone: (512) 537-2221
City of Angleton Structured Attorney Fees: Why Deferral Costs Millions, Even After Taxes
You’ve just won a significant case in the City of Angleton, securing a $1 million contingency fee. The structured settlement broker suggests 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 collaborate with a CERTIFIED FINANCIAL PLANNER® professional to analyze the numbers before making a decision.
The True Cost of Deferral
Imagine you’re in the top federal tax bracket of 37%. On a $1 million fee, that’s a hefty $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 staggering. 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 gets better 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 sheer wealth gap, a lump sum provides invaluable liquidity and leverage. Need funds for a lucrative investment or unexpected expense? You can tap 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.
More Tax-Efficient Growth
What about the “tax-free growth” structured settlement companies promote? With strategic planning, you can significantly outperform deferral after tax:
- Max out 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 engineer a far more tax-smart approach than the blunt deferral method.
The Hidden Fees
Here’s one last deferral pitfall: 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 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 we can help you maximize your hard-earned wealth.
About Amy Zamikovsky, JD, CFP®, CPWA®
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.
Contact Information
For those in the City of Angleton and beyond, Amy Zamikovsky is ready to assist with your financial planning needs. Remember, we represent clients around the world, including but not limited to the City of Angleton.
Office Address (By Appointment Only):
820 Gessner Road
Houston, Texas 77024
Email: contact@attorneyamycfp.com
Phone: (512) 537-2221
Let us help you make the most of your financial future.
Moving Forward with Attorney Amy Zamikovsky, JD, CFP®, CPWA®: Wealth Management and Financial Planning in the City of Angleton! We’re Here for You!
Welcome to the City of Angleton, a vibrant community nestled in the heart of Brazoria County, Texas. Known for its rich history and close-knit community, Angleton offers a unique blend of small-town charm and modern amenities. As we introduce our wealth management and financial planning services to this dynamic locale, we are excited to bring our expertise to the residents of Angleton and beyond.
Why Choose Tax-Planned Financial Planning?
In the ever-evolving financial landscape, the importance of tax-planned financial planning cannot be overstated. At the core of our philosophy is the belief that numbers never lie—math is the ultimate decision-maker. By focusing on tax efficiency, we help our clients in Angleton maximize their wealth and achieve financial independence. Unlike structured settlements, which may offer limited flexibility, our approach provides a comprehensive strategy that adapts to your unique financial situation.
Our Specialization: Where Legal Expertise Meets Customized Wealth Strategies
With over 15 years of experience, Amy Zamikovsky, JD, CFP®, CPWA®, is a Senior Financial Advisor at Transform Wealth. Her extensive background in wealth management, estate planning, and financial planning positions her uniquely to serve the high-net-worth individuals of Angleton. Our holistic approach is tailored to portfolios exceeding $1 million, ensuring that your wealth is preserved and grown while you enjoy life’s journey.
Estate Planning and Wealth Management
In Angleton, where family values and community ties run deep, estate planning is crucial. We collaborate with your team of professionals—attorneys, trustees, administrators, and CPAs—to ensure your estate plan aligns with your financial goals. Our wealth management services are grounded in conservative financial planning, ensuring that your investments reflect your values and have earned their place in your portfolio.
Settlement and Windfall Planning
Whether you’re navigating a legal settlement or experiencing a financial windfall, our planning services are designed to optimize your financial outcomes. In Angleton, where community support is strong, we provide strategic tax planning, retirement planning, and alternative investment opportunities to integrate seamlessly with your existing finances.
Lottery and Tax Planning
Winning the lottery is a dream come true, but it also requires careful planning to protect your newfound wealth. Our expertise in tax planning—covering estate, gift, income, and capital gains taxes—ensures that your assets are safeguarded for future generations. We work closely with CPAs to implement optimal strategies, providing a clear, quantified picture of your financial future.
Retirement and Exit Planning
For the residents of Angleton, retirement is a time to enjoy the fruits of your labor. Our retirement planning services cater to individuals at all stages of life, offering personalized guidance to help you transition smoothly into this new chapter. Our exit planning services are designed to maximize the value of your business, minimize taxes, and preserve your legacy.
401(k) Optimization and Divorce Financial Planning
Our 401(k) optimization services help Angleton residents make the most of their employer-sponsored retirement accounts. As a fiduciary Certified Financial Planner® professional, Amy Zamikovsky provides comprehensive advice on your entire financial picture. For those navigating divorce, our financial planning services offer objective guidance to help you make informed decisions and achieve financial independence.
Personal Divorce Strategist and Inheritance Planning
As your Personal Divorce Strategist, Amy Zamikovsky combines her legal expertise and financial planning skills to protect your best interests. In Angleton, where family ties are strong, inheritance planning is essential. We assist you in assembling a team of reputable professionals to manage and administer estates effectively, ensuring your loved ones’ wishes are honored.
Our Firm’s Expertise: Specializing in >$1M+ Portfolios
We proudly serve a diverse clientele, including 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 services extend nationwide, catering to clients with multiple residences and extensive travel needs.
Connect with Us
While we are introducing our services to the City of Angleton, our reach extends globally. We represent clients around the world, including those in Angleton, ensuring that your financial planning needs are met with the highest level of expertise and care.
Office Address (By Appointment Only):
820 Gessner Road
Houston, Texas 77024
Email: contact@attorneyamycfp.com
Phone: (512) 537-2221
Discover how our wealth management and financial planning services can transform your financial future. Contact us today to schedule a consultation with Amy Zamikovsky, JD, CFP®, CPWA®, and take the first step towards building a lasting legacy.
