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

Welcome to the City of Freeport, a vibrant community nestled along the Texas Gulf Coast, where the Brazos River meets the Gulf of Mexico. Known for its rich maritime history and bustling port activities, Freeport is a city that values both tradition and progress. Here, we are excited to introduce Amy Zamikovsky, JD, CFP®, CPWA®, a seasoned Senior Financial Advisor and Texas Attorney, dedicated to serving the unique financial needs of this dynamic locale.

Building Legacies for Generations

At the heart of Freeport’s thriving community, Amy Zamikovsky brings over 15 years of expertise in wealth management, estate planning, and financial planning. Her journey began with a B.S. in Biology from Southeastern Louisiana University, followed by a J.D. from the University of Houston Law Center. Amy’s dedication to financial excellence was further honed at Merrill Lynch, where she earned her CERTIFIED FINANCIAL PLANNER® designation, and later, her Certified Private Wealth Advisor® designation through the Yale School of Management.

Understanding Freeport’s Financial Landscape

Freeport, with its close proximity to Houston and other bustling towns like Lake Jackson and Clute, presents unique financial opportunities and challenges. Amy understands the local market’s needs, offering tailored financial advisory services that cater to the diverse economic landscape of the area. Whether you are navigating the complexities of estate planning or seeking to optimize your wealth management strategies, Amy’s fiduciary commitment ensures that your best interests are always at the forefront.

Comprehensive Financial Services

Our services extend beyond traditional financial planning. We specialize in estate planning, working collaboratively with attorneys, trustees, and CPAs to ensure your estate plan aligns seamlessly with your financial goals. Our wealth management approach is rooted in conservative financial planning, ensuring your portfolio reflects your values and aspirations.

In Freeport, where the community is deeply connected to its maritime roots, we recognize the importance of strategic settlement planning. Our approach prioritizes financial planning and traditional wealth management over structured settlements, emphasizing the superior financial benefits of tax-planned strategies.

Tailored Solutions for Unique Situations

Freeport residents, whether experiencing a windfall or navigating the complexities of divorce, can rely on Amy’s expertise. Our windfall planning services offer strategic tax planning and retirement solutions, while our divorce financial planning provides objective guidance to help you make informed decisions during challenging times.

As a Personal Divorce Strategist, Amy combines her legal and financial expertise to protect your interests, ensuring you never face critical decisions alone. Her commitment to factual, unbiased advice helps you achieve a respectful and just dissolution.

A Commitment to Excellence

Amy Zamikovsky is proud to be affiliated with esteemed organizations such as the Houston Association of Women Attorneys, Houston Estate and Financial Forum, and the Houston Bar Association. Her dedication to continuous learning and professional growth is a testament to her commitment to excellence.

Serving Clients Nationwide

While our roots are firmly planted in Texas, including the vibrant City of Freeport, our expertise extends nationwide. We proudly serve clients with multiple residences and those who travel extensively, ensuring that our financial strategies are as dynamic and adaptable as the clients we serve.

Contact Us

We invite you to explore the possibilities of building a lasting legacy with us. Our office, located at 820 Gessner Road, Houston, Texas, is available by appointment only. Reach out to us at contact@attorneyamycfp.com or call (512) 537-2221 to schedule a consultation.

In the City of Freeport, where the spirit of community and progress thrives, Amy Zamikovsky is here to guide you through every financial decision, ensuring your legacy endures for generations to come.

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

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

In the heart of Texas, the City of Freeport stands as a vibrant community known for its rich history and cultural diversity. Nestled along the Gulf Coast, Freeport is a place where tradition meets progress, offering a unique blend of small-town charm and modern amenities. It is in this dynamic setting that we introduce Amy Zamikovsky, JD, CFP®, CPWA®, a Senior Financial Advisor with over 15 years of expertise in wealth management, estate planning, and financial planning. Amy’s extensive background, including her legal education from the University of Houston Law Center and her certifications as a CERTIFIED FINANCIAL PLANNER® and Certified Private Wealth Advisor® professional, equips her to provide unparalleled financial guidance.

Divorce Financial Planning Tailored for Freeport Residents

Divorce can be a challenging transition, and we understand the complexities it brings. Our approach is rooted in empathy and experience, as we have walked this path ourselves. Amy Zamikovsky, JD, CFP®, CPWA® specializes in pre-and-post-divorce financial planning, offering services tailored to the unique needs of Freeport residents. We believe in the power of numbers and the clarity they bring, emphasizing the importance of tax-planned financial strategies over structured settlements. Our commitment is to provide you with the tools and knowledge necessary to navigate this pivotal time with confidence.

Fact-Finding

In the City of Freeport, where community ties run deep, we prioritize getting to know you beyond the numbers. Our fact-finding process is thorough and compassionate, focusing on every detail that impacts your financial future. We aim to provide clarity and confidence during your divorce negotiations, ensuring that your customized financial plan lays a strong foundation for the future you deserve.

Planning

Your new chapter begins here. We craft financial strategies that are as unique as the coastal landscape of Freeport. By identifying your short-term needs and long-term goals, we work together to build a path toward financial independence. Our meticulous planning process illuminates the possibilities in this new phase of your life, ensuring that your financial future is as bright as the Texas sun.

Implementation

Transformation begins with action. 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 in your best interest, aligning with your goals and values. Our commitment to your success is unwavering, just like the resilient spirit of Freeport.

Our Commitment to Freeport

While our office is located in Houston, Texas, we proudly represent clients around the world, including those in the City of Freeport. We are here to introduce ourselves and offer our expertise to this vibrant community, ensuring that you have access to the highest level of financial planning and wealth management services.

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

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

In the City of Freeport, where the Gulf breeze carries stories of resilience and growth, we are honored to be a part of your financial journey. With Amy Zamikovsky, JD, CFP®, CPWA® by your side, you can navigate the complexities of divorce with confidence and clarity, knowing that your financial future is in capable hands.

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

Congratulations, City of Freeport lottery winners! You’ve just unlocked a world of possibilities with your newfound fortune. As you stand on the brink of this life-altering journey, the decisions you make now will shape your financial future 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. My mission is to help you navigate this exhilarating yet overwhelming time with confidence and clarity.

Preserve Your Winnings

In the vibrant community of Freeport, known for its rich history and cultural tapestry, 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: Protect your assets and minimize taxes, ensuring your wealth is preserved for future generations.
  • Assemble a Team of Experts: Collaborate with vetted attorneys, CPAs, and bankers to secure your financial interests.
  • Maintain Privacy and Security: Safeguard your personal information and financial details from unwanted attention.
  • Manage Donation and Investment Requests: Navigate the influx of requests with a strategic approach.

Plan for a Lifetime of Wealth

Your jackpot doesn’t have to be a fleeting windfall. 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 Goals: Establish short and long-term lifestyle and legacy objectives that align with your values.
  • Invest for Growth: Optimize your portfolio for growth, income, and capital preservation.
  • Maximize Tax Efficiency: Utilize strategic accounts and asset allocation to minimize tax liabilities.
  • Secure Your Retirement: Invest in income-generating assets to ensure a comfortable retirement.
  • Establish Trusts and Gifts: Plan for future generations with thoughtful estate planning.

Give with Confidence

If philanthropy is one of your priorities, it is my personal pleasure to guide you in 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 Freeport, 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 Freeport.

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

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

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

You’ve just won a landmark case in the City of Freeport, 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. Painful, right? 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 astonishing. Even after paying $370,000 in taxes, you end up with $1-1.9 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? 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 boast about? 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 CFP®, 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 another deferral pitfall: hidden commissions. Structured settlement brokers often take 4%+ 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® 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.

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This is my location. Remember, we are introducing ourselves to the City of Freeport, 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 Freeport.

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 the City of Freeport! We’re Here for You!

Welcome to the City of Freeport, a vibrant community known for its rich cultural heritage and dynamic economic landscape. Nestled along the Gulf Coast of Texas, Freeport is a city that combines the charm of small-town living with the opportunities of a thriving industrial hub. As we introduce our wealth management and financial planning services to this unique locale, we aim to provide residents with the tools and strategies necessary to navigate their financial futures with confidence.

Why Choose Tax-Planned Financial Planning in Freeport?

In the City of Freeport, where the local economy is bolstered by industries such as petrochemicals and maritime commerce, understanding the nuances of tax-planned financial planning is crucial. We emphasize the importance of choosing tax-planned financial strategies over structured settlements because, quite simply, the numbers tell the truth. With a focus on math and data-driven decisions, our approach ensures that your financial plan is not only robust but also optimized for maximum benefit.

Introducing Amy Zamikovsky, JD, CFP®, CPWA®

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. Her educational background includes a B.S. in Biology from Southeastern Louisiana University and a J.D. from the University of Houston Law Center. Amy’s journey in financial planning began at Merrill Lynch, where she earned her CERTIFIED FINANCIAL PLANNER® designation, followed by her Certified Private Wealth Advisor® designation from the Yale School of Management.

As an experienced attorney and fiduciary, Amy is uniquely positioned to guide clients through the sensitive yet necessary discussions surrounding wealth management. Her expertise in legal and financial matters allows her to craft customized strategies that build, preserve, and transfer wealth efficiently. Amy is passionate about educating and financially protecting the public, and she actively contributes to the legal community by teaching a State Bar of Texas CLE course on ethics, fiduciary duty, and legal settlement planning.

Our Specialty Services in Freeport

Estate Planning

In Freeport, where family values and community ties run deep, estate planning is a vital component of securing your legacy. We collaborate with your team of professionals, including attorneys, trustees, and CPAs, to ensure your estate plan aligns with your financial goals and personal wishes.

Wealth Management

Our wealth management services are rooted in conservative financial planning principles. We ensure that your investment portfolio reflects your goals and values, providing a solid foundation for long-term growth and security.

Settlement Planning

Even in the aftermath of a legal settlement, financial planning and traditional wealth management often prove superior to structured products. We let the math speak for itself, demonstrating the advantages of our approach, even after taxes.

Windfall and Lottery Planning

For those experiencing sudden financial gains, such as lottery winnings or windfalls, we offer strategic planning services to integrate these funds into your broader financial picture. Our expertise ensures that your newfound wealth contributes to a lasting legacy.

Tax and Retirement Planning

Navigating the complexities of taxes and retirement planning is essential in Freeport, where economic opportunities abound. Our tax planning services provide clarity on estate, gift, income, and capital gains taxes, while our retirement planning expertise supports you through all stages of life.

Exit and 401(k) Optimization Planning

For business owners and professionals in Freeport, our exit planning services help maximize the value of your business while minimizing taxes. Additionally, our 401(k) optimization services ensure your retirement accounts align with your financial goals.

Divorce Financial Planning and Personal Divorce Strategist Services

Divorce can be a challenging time, but with our divorce financial planning and personal divorce strategist services, you have a dedicated advocate by your side. We provide objective guidance to help you make informed decisions, protecting your interests every step of the way.

Inheritance Planning

In times of loss, our inheritance planning services offer support and guidance. We help you assemble a team of professionals to manage and administer estates effectively, ensuring your loved one’s legacy is honored.

Our Expertise in Serving High-Net-Worth Clients

Our firm specializes in serving clients with portfolios exceeding $1 million. We cater to high-net-worth families, business owners, medical professionals, estate executors, corporate executives, and more. Our holistic approach to financial planning helps clients preserve and grow their wealth while enjoying life to the fullest.

Nationwide Service with a Local Touch

While we proudly serve clients nationwide, our expertise extends far beyond the City of Freeport. We understand the unique challenges and opportunities faced by residents of this vibrant community, and we’re here to provide the financial guidance you need to succeed.

For more information or to schedule an appointment, please contact us at:

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

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

Let us help you build a financial legacy that reflects your values and aspirations. With Amy Zamikovsky, JD, CFP®, CPWA®, you’re in capable hands.