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

Welcome to the City of Clute, a vibrant community nestled in the heart of Brazoria County, Texas. Known for its rich history and close-knit community spirit, Clute is a place where tradition meets progress. As we introduce our services to this unique locale, we are excited to bring our expertise in wealth management and financial planning to the residents of Clute and its neighboring towns such as Lake Jackson and Freeport.

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 path has been shaped by a commitment to excellence and a passion for helping clients build legacies for generations.

In Clute, we recognize the importance of personalized financial strategies that cater to the unique needs of this community. Whether you’re navigating the complexities of estate planning or seeking to optimize your investment portfolio, our approach is rooted in sound, conservative financial planning. We are dedicated to ensuring that your financial goals align with your values and aspirations.

Our services extend beyond traditional financial planning. As a fiduciary, I am legally and ethically obligated to act in your best interests, ensuring that every decision we make together is for your benefit. This commitment is reflected in our membership with esteemed organizations such as the Houston Association of Women Attorneys, the Houston Estate and Financial Forum, and the National Association of Personal Financial Advisors (NAPFA).

In addition to our local expertise, we are proud to serve clients nationwide, many of whom have multiple residences and travel extensively. Our comprehensive financial advisory services are designed to meet the diverse needs of our clients, no matter where they are.

For those experiencing life transitions, such as divorce, we offer specialized financial planning and personal divorce strategist services. Our goal is to provide you with the guidance and support needed to make informed decisions during challenging times.

We also emphasize the importance of tax-planned financial planning and wealth management. By focusing on the numbers, we help you navigate the complexities of taxes, ensuring that your financial strategies are both effective and efficient.

Our services include:

  • Estate Planning: Collaborating with your team of professionals to ensure your estate plan reflects your wishes and integrates seamlessly with your financial plan.
  • Wealth Management: Making investment recommendations based on your goals and values, ensuring your portfolio is aligned with your financial objectives.
  • Settlement Planning: Demonstrating the financial superiority of traditional wealth management over structured settlements, even after taxes.
  • Windfall Planning: Providing strategic tax planning and integration with existing finances to ensure lasting prosperity.
  • Lottery Planning: Transforming newfound wealth into a lasting legacy for you and your family.
  • Tax Planning: Offering clear, quantified strategies for estate, gift, income, and capital gains taxes, in collaboration with CPAs.
  • Retirement Planning: Guiding you through all stages of life to ensure a secure and fulfilling retirement.
  • Exit Planning: Helping you maximize your business’s value and preserve your legacy through comprehensive financial planning.
  • 401(k) Optimization: Ensuring your retirement account aligns with your broader financial goals and risk tolerance.
  • Divorce Financial Planning: Providing expert guidance to help you make informed decisions during divorce proceedings.
  • Personal Divorce Strategist: Serving as your dedicated advocate, combining legal and financial expertise to protect your interests.
  • Inheritance Planning: Assisting you in managing and administering estates, providing support during difficult times.

Our firm specializes in portfolios exceeding $1 million, and we are honored to introduce our services to the City of Clute. We are not located here, but we proudly represent clients around the world, including those in Clute.

For personalized financial planning and wealth management services, please contact us by appointment at our Houston office:

Office Address
820 Gessner Road
Houston, Texas 77024

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

We look forward to building lasting legacies with you in the City of Clute.

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

Welcome to the City of Clute, a vibrant community nestled in Brazoria County, Texas, known for its rich history and warm, welcoming atmosphere. As a city that celebrates its unique charm and cultural heritage, Clute is home to the renowned Great Texas Mosquito Festival, drawing visitors from all over to experience its lively spirit. In this context, we introduce Attorney Amy Zamikovsky, JD, CFP®, CPWA®, a seasoned professional with a deep understanding of financial planning and wealth management, offering her expertise to those navigating the complexities of divorce.

Divorce Financial Planning

Divorce can be a challenging journey, both emotionally and financially. At this pivotal moment, having a trusted advisor like Amy Zamikovsky, JD, CFP®, CPWA® by your side can make all the difference. With over 15 years of experience, Amy specializes in crafting personalized financial strategies that cater to the unique needs of individuals in the City of Clute and beyond. Her approach is rooted in empathy and understanding, as she has walked this path herself and knows the importance of a solid financial foundation.

Fact-Finding

In the heart of Clute, where community ties run deep, we prioritize getting to know you—the real you. Our fact-finding process is thorough yet compassionate, focusing on every detail that impacts your financial future. We aim to provide clarity and confidence during the financial negotiations of your divorce. By understanding your complete financial picture, we lay the groundwork for a customized plan that supports the future you deserve.

Planning

The next chapter of your life begins here in Clute, a city that embodies resilience and growth. We craft tailored financial strategies that align with your current and future goals. Our meticulous planning process illuminates the possibilities in your new phase of life, ensuring that your short-term needs are met while building towards long-term financial independence. In a community that values forward-thinking, we help you embrace the opportunities ahead.

Implementation

In Clute, where tradition meets progress, turning plans into action is where real 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 personalized recommendation is truly in your best interest, embodying the integrity and trust that Clute residents hold dear.

The Importance of Tax-Planned Financial Planning

In the City of Clute, where community and family are paramount, the benefits of tax-planned financial planning and wealth management are clear. By focusing on the numbers, we provide strategies that are far superior to the financial benefits of structured settlements. The math decides, and with Amy Zamikovsky, JD, CFP®, CPWA®, you have a partner who is committed to optimizing your financial outcomes.

Introducing Amy Zamikovsky, JD, CFP®, CPWA®

Amy Zamikovsky is a Senior Financial Advisor at Transform Wealth, with a robust background 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 has honed her expertise at Merrill Lynch, earning her CERTIFIED FINANCIAL PLANNER® and Certified Private Wealth Advisor® designations. As an experienced Attorney and Counselor at Law in Texas, Amy leverages her legal acumen to build strategies that efficiently build, preserve, and transfer wealth. Her passion for educating and financially protecting the public is evident in her development and teaching of a State Bar of Texas CLE course focused on ethics, fiduciary duty, and legal settlement planning.

Our Commitment to Clute

While we are introducing ourselves to the City of Clute, we represent clients around the world, including this vibrant community. Our office, located at 820 Gessner Road in Houston, Texas, operates by appointment only, ensuring personalized attention to each client’s needs. We invite you to reach out via email at contact@attorneyamycfp.com or by phone at (512) 537-2221 to explore how we can support your financial journey.

In the City of Clute, where community values and personal growth are celebrated, Amy Zamikovsky, JD, CFP®, CPWA® stands ready to guide you through the financial intricacies of divorce, helping you build a future that reflects your aspirations and dreams.

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

Congratulations, City of Clute 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 sudden 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?

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 location. Remember that we are just introducing ourselves to the City of Clute, not implying that we’re located there nor moving there, only that we represent clients around the world, including but not limited to the City of Clute.

Office Address

BY APPOINTMENT ONLY
820 Gessner Road
Houston, Texas 77024

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

City of Clute Structured Attorney Fees: Why Deferral Costs Millions, Even After Taxes

Nestled in the heart of Brazoria County, the City of Clute, Texas, is a vibrant community known for its rich history and cultural events, such as the annual Great Texas Mosquito Festival. While Clute may be famous for its quirky celebrations, it is also home to many successful professionals, including attorneys who may find themselves navigating the complexities of financial planning after a significant legal victory.

Imagine you’ve just won a major case, 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 move? In most cases, the answer is a resounding no—even for attorneys in the highest tax bracket. 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

Consider that you’re in the top federal tax bracket of 37%. On a $1 million fee, that equates to a $370,000 tax bill if taken as a lump sum. While that may seem steep, let’s compare investing the remaining $630,000 versus deferring the full $1 million over 20 years:

Scenario 1: Invest $630,000 Lump Sum

  • 6% annual return: $2.0 million in 20 years
  • 8% annual return: $2.9 million in 20 years

Scenario 2: Defer $1 Million as $50,000/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 money 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 tout? 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 entertaining 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.

This is My Location

While we are introducing ourselves to the City of Clute, please note that we represent clients around the world, including but not limited to this vibrant Texas community.

Office Address

BY APPOINTMENT ONLY
820 Gessner Road
Houston, Texas 77024

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

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 who are interested in learning more about ethics, fiduciary duty, and legal settlement planning.

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

Nestled in the heart of Brazoria County, the City of Clute is a vibrant community known for its rich history and welcoming spirit. As we introduce our wealth management and financial planning services to Clute, we bring a commitment to excellence that matches the city’s dynamic growth and cultural diversity. Our services are designed to meet the unique financial needs of Clute’s residents, offering a blend of legal expertise and personalized wealth strategies.

Why Choose Tax-Planned Financial Planning in Clute?

In Clute, where the community thrives on a strong sense of unity and progress, making informed financial decisions is crucial. Our focus on tax-planned financial planning and wealth management offers significant advantages over structured settlements. The numbers speak for themselves—tax-optimized strategies can lead to substantial financial benefits, ensuring your wealth grows efficiently and sustainably. We believe in the power of math to guide our decisions, providing clarity and confidence in your financial journey.

Introducing Amy Zamikovsky, JD, CFP®, CPWA® to Clute

Amy Zamikovsky, a Senior Financial Advisor at Transform Wealth, brings 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, Amy combines her legal expertise with financial acumen to craft customized strategies that build, preserve, and transfer wealth effectively. Her passion for education and financial protection extends to teaching a State Bar of Texas CLE course, focusing on ethics, fiduciary duty, and legal settlement planning.

Our Specialty Services in Clute

We are proud to offer a range of services tailored to the needs of Clute’s diverse community. Our expertise is particularly beneficial for portfolios exceeding $1 million, where our holistic approach helps clients preserve and grow their wealth while enjoying life. From wealth management to optimized tax and estate planning strategies, our solutions align with your priorities, goals, and values.

Estate Planning

In Clute, we collaborate 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.

Wealth Management

Our investment recommendations are grounded in conservative financial planning, ensuring your portfolio aligns with your goals and values. We strive to earn the right to manage your investments through diligent and thoughtful strategies.

Settlement Planning

We emphasize that financial planning and traditional wealth management often surpass the benefits of structured products, even after taxes. Whether you’re a client or a plaintiff’s attorney, we let the math guide our decisions.

Windfall and Lottery Planning

For those experiencing financial windfalls or lottery winnings, we offer strategic tax planning, retirement planning, and alternative investment opportunities. Our goal is to transform your wealth into a lasting legacy, ensuring your financial prosperity endures.

Tax and Retirement Planning

Our tax planning services cover estate, gift, income, and capital gains taxes, providing a clear picture of optimal strategies. We work closely with CPAs to ensure proper implementation. Whether you’re preparing for retirement or already enjoying it, we offer guidance through all life stages.

Exit and 401(k) Optimization Planning

Our exit planning services help you maximize your business’s value, minimize taxes, and preserve your legacy. We also optimize your 401(k) to align with your broader financial goals, ensuring no opportunities are missed.

Divorce Financial Planning and Personal Divorce Strategist Services

In Clute, we offer divorce financial planning services to help you make informed decisions during a challenging time. As your Personal Divorce Strategist, Amy combines her legal and financial expertise to protect your interests, providing unbiased advocacy and strategic guidance.

Inheritance Planning

We understand the complexities of inheritance planning and are here to support you through the process. Our team helps assemble a network of reputable professionals to manage and administer estates effectively.

Our Expertise in Clute

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 services extend nationwide, accommodating clients with multiple residences and extensive travel.

Contact Us

We invite the residents of Clute to explore the benefits of our wealth management and financial planning services. By appointment only, visit us at 820 Gessner Road, Houston, Texas 77024. For inquiries, email contact@attorneyamycfp.com or call (512) 537-2221. Let us help you build a financial legacy that reflects your values and aspirations.