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

Welcome to the City of Danbury, a vibrant community nestled in the heart of Connecticut, where history meets modernity. As a Senior Financial Advisor and Texas Attorney, I am thrilled to introduce myself, Amy Zamikovsky, JD, CFP®, CPWA®, to this dynamic locale. With over 15 years of experience in wealth management, estate planning, and financial planning, I am committed to helping you build legacies for generations.

Our journey began with a passion for empowering individuals and families to achieve financial security and prosperity. As a CERTIFIED FINANCIAL PLANNER® professional and Certified Private Wealth Advisor® professional, I have dedicated my career to providing personalized financial advisory services that cater to the unique needs of each client. My legal background, with a J.D. from the University of Houston Law Center, complements my financial expertise, allowing me to craft strategies that effectively build, preserve, and transfer wealth.

In the City of Danbury, a place known for its rich cultural tapestry and thriving economy, I recognize the importance of addressing local market needs. Whether you’re in nearby Bethel, Ridgefield, or Newtown, my services are designed to meet the diverse financial challenges faced by residents of this region. Our tagline, “Building Legacies for Generations,” reflects our commitment to creating lasting financial security for you and your loved ones.

I am proud to be associated with esteemed organizations such as the Houston Association of Women Attorneys, Houston Estate and Financial Forum, and the National Association of Personal Financial Advisors (NAPFA). These affiliations underscore my dedication to maintaining the highest standards of professionalism and ethics in financial planning.

As a fiduciary, I am legally and ethically obligated to act in your best interests, ensuring that every financial decision is made with your goals in mind. My services extend nationwide, catering to clients with multiple residences and those who travel extensively. This broad expertise allows me to offer tailored solutions that transcend geographic boundaries.

In the realm of financial planning, I place a strong emphasis on tax-planned strategies, which often prove superior to structured settlements. The numbers speak for themselves, and I am here to guide you through the complexities of financial decision-making with clarity and precision.

Estate Planning

I 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

Every investment recommendation is grounded in sound, conservative financial planning. I ensure that your portfolio aligns with your values and objectives, earning its place in your financial strategy.

Settlement Planning

Financial planning and traditional wealth management often provide greater financial benefits than structured products, even after taxes. Let the math guide your decisions.

Windfall Planning

Cash flow surges present opportunities for strategic tax planning, retirement planning, and alternative investments. Your comprehensive financial plan lays the foundation for lasting prosperity.

Lottery Planning

Congratulations on your windfall! I offer the expertise to protect your family and assets, transforming your wealth into a lasting legacy.

Tax Planning

From estate taxes to Roth conversions, my tax planning services provide a clear picture of optimal strategies, working closely with CPAs for seamless implementation.

Retirement Planning

Whether you’re preparing for retirement or already enjoying it, I am honored to guide you through life’s stages, ensuring your financial security.

Exit Planning

Transform years of hard work into a lasting legacy with comprehensive financial planning services that maximize your business’s value and minimize taxes.

401(k) Optimization

Optimize your retirement account to align with your financial goals, risk tolerance, and retirement timeline. As a fiduciary CFP® professional, I provide holistic advice on your financial picture.

Divorce Financial Planning

I offer expert guidance to help you make informed decisions during divorce, creating a roadmap for financial independence and a new chapter in life.

Personal Divorce Strategist

As your dedicated advocate, I combine my legal and financial expertise to protect your interests, ensuring well-informed decisions based on facts.

Inheritance Planning

In times of loss, I am here to help you move forward, assembling a team of professionals to manage and administer estates effectively.

Our firm specializes in portfolios exceeding $1 million, serving clients worldwide, including those in the City of Danbury. While we are not physically located here, our reach extends globally, ensuring that we represent clients with the utmost care and attention.

For appointments, please contact us at:

820 Gessner Road
Houston, Texas 77024
Email: contact@attorneyamycfp.com
Phone: (512) 537-2221

Thank you for considering my services. I am deeply appreciative of the trust and opportunity to serve you, and I look forward to helping you achieve your financial goals with personal attention and care.

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

Divorce Financial Planning

Navigating the financial intricacies of divorce can be daunting, especially in a vibrant community like the City of Danbury. Known for its rich history and cultural diversity, Danbury offers a unique backdrop for those seeking to rebuild their financial futures post-divorce. As a Senior Financial Advisor and Texas Attorney, I, Amy Zamikovsky, JD, CFP®, CPWA®, bring over 15 years of expertise in wealth management, estate planning, and financial planning to clients in Danbury and beyond.

Fact-Finding

Understanding your financial landscape is crucial, and we prioritize getting to know you beyond the numbers. In Danbury, where community values and personal stories intertwine, we delve deep into your financial situation, ensuring every detail is considered. Our approach is thorough yet compassionate, providing clarity and confidence during the financial negotiations of your divorce. Your customized financial plan will serve as a robust foundation for the future you deserve, reflecting the resilience and spirit of Danbury itself.

Planning

The next chapter of your life begins here, in the heart of Danbury. We craft personalized financial strategies that align with your unique goals, both immediate and long-term. Our meticulous planning process highlights the possibilities in your new phase of life, ensuring that your financial independence is built on a solid foundation. In a city that values growth and innovation, we help you navigate the complexities of your financial journey with confidence and clarity.

Implementation

Real transformation starts with action. We collaborate with you and your trusted legal and financial professionals to streamline your financial life, ensuring our strategies are effectively implemented. As your fiduciary, we are committed to making recommendations that truly serve your best interests. In a community like Danbury, where collaboration and trust are paramount, we ensure that your financial strategies are aligned with your personal values and goals.

Introducing Amy Zamikovsky, JD, CFP®, CPWA® to the City of Danbury

While I am based in Houston, Texas, my commitment to serving clients extends globally, including the vibrant community of Danbury. With a B.S. in Biology from Southeastern Louisiana University and a J.D. from the University of Houston Law Center, I have honed my skills at Merrill Lynch, earning my CERTIFIED FINANCIAL PLANNER® and Certified Private Wealth Advisor® designations. My legal expertise as an experienced Attorney and Counselor at Law in Texas allows me to build customized financial strategies that efficiently build, preserve, and transfer wealth.

I am passionate about educating and financially protecting the public, and I have developed and teach a State Bar of Texas CLE course for attorneys interested in ethics, fiduciary duty, and legal settlement planning. My approach is rooted in the belief that tax-planned financial planning and wealth management offer far superior financial benefits compared to structured settlements. In Danbury, where numbers and facts guide decisions, we emphasize the importance of a well-crafted financial plan.

Contact Information

While I am not physically located in Danbury, I am dedicated to representing clients from around the world, including those in this vibrant city. For personalized financial planning and wealth management services, please reach out to me at:

Office Address (By Appointment Only):
820 Gessner Road
Houston, Texas 77024

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

In the City of Danbury, where history and modernity blend seamlessly, I am here to guide you through the financial aspects of your divorce, ensuring that your future is as bright and promising as the community you call home.

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

Congratulations, City of Danbury 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, 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 location. Remember that we are just introducing ourselves to the City of Danbury, 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 Danbury.

Office Address

BY APPOINTMENT ONLY
820 Gessner Road
Houston, Texas 77024

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

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

You’ve just won a significant case in the City of Danbury, 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® (CFP®) 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 $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 striking. Even after paying $370,000 in taxes, you end up with $1-1.9 million more by taking the lump sum and investing! And the benefits only grow over time. Over 30 years at 8%, the lump sum swells to $6.4 million after tax, compared to just $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 access a securities-based loan. Banks won’t lend against deferred fees. Want to adjust your investments or estate plan? With deferral, your money is locked up, limiting your flexibility.

More Tax-Efficient Growth

What about the “tax-free growth” 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 CFP®, particularly a Certified Private Wealth Advisor® (CPWA®), can help you devise a far more tax-smart approach than the blunt deferral method.

The Hidden Fees

Here’s another 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 CFP® 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

This is my location. Remember that we are just introducing ourselves to the City of Danbury, 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 Danbury.

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

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

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

Welcome to Danbury, a vibrant city nestled in the heart of Connecticut, known for its rich history, cultural diversity, and thriving community spirit. As we introduce our specialized financial services to the residents of Danbury, we bring a wealth of experience and a commitment to helping you achieve your financial goals.

Why Choose Tax-Planned Financial Planning and Wealth Management?

In the bustling city of Danbury, where the economy is as dynamic as its people, making informed financial decisions is crucial. We emphasize the importance of tax-planned financial planning and wealth management, which often surpasses the financial benefits of structured settlements. Numbers don’t lie, and our approach is rooted in the undeniable truth that math decides. By focusing on tax efficiency, we help you maximize your wealth and secure your financial future.

Our Expertise: Where Legal Knowledge Meets Customized Wealth Strategies

Amy Zamikovsky, JD, CFP®, CPWA®, is a Senior Financial Advisor at Transform Wealth 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, Amy combines her legal expertise with financial acumen to craft personalized strategies that build, preserve, and transfer wealth efficiently. Her passion for educating and financially protecting the public is evident in her development and teaching of a State Bar of Texas CLE course on ethics, fiduciary duty, and legal settlement planning.

Tailored Financial Solutions for Danbury’s Unique Needs

In Danbury, we understand the unique challenges and opportunities that come with managing portfolios exceeding $1 million. Our holistic approach ensures that your wealth is not only preserved but also grows, allowing you to enjoy life to the fullest. From wealth management to optimized tax and estate planning strategies, our solutions are tailored to align with your priorities, goals, and values.

Empowering Your Financial Legacy

As an experienced attorney and fiduciary, Amy Zamikovsky is uniquely positioned to guide you and your family through sensitive yet necessary discussions. Our customized financial strategies empower you to confidently build your ideal personal legacy, ensuring that your wealth is protected and your future is secure.

Comprehensive Services for Danbury Residents

We offer a wide range of services designed to meet the diverse needs of Danbury’s residents:

  • Estate Planning: Collaborating with your team of professionals to ensure your estate plan aligns with your financial goals.
  • Wealth Management: Providing sound, conservative financial planning to ensure your portfolio reflects your values.
  • Settlement Planning: Demonstrating the financial superiority of traditional wealth management over structured products.
  • Windfall Planning: Leveraging cash flow surges for strategic tax planning and retirement planning.
  • Lottery Planning: Transforming newfound wealth into a lasting legacy.
  • Tax Planning: Offering clear, quantified strategies for estate, gift, income, and capital gains taxes.
  • Retirement Planning: Guiding you through all stages of life with expertise and care.
  • 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 decision-making during divorce.
  • Personal Divorce Strategist: Serving as your dedicated advocate to protect your interests.
  • Inheritance Planning: Assisting with estate administration and management.

Attracting High-Net-Worth Clients in Danbury

Our firm specializes 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. We are proud to serve clients nationwide, including those in Danbury, who have multiple residences and travel extensively.

Contact Us

We invite you to reach out and discover how our expertise can benefit you. While our office is located in Houston, Texas, we are dedicated to serving clients in Danbury and beyond.

Office Address (By Appointment Only):
820 Gessner Road
Houston, Texas 77024

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

Let us help you navigate the complexities of financial planning and wealth management, ensuring that your financial future is as bright as the community of Danbury itself.