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

Welcome to the City of Hedwig Village, a charming enclave nestled within the greater Houston area, where tradition meets modernity in a unique blend of community spirit and metropolitan convenience. It is here that we introduce Amy Zamikovsky, JD, CFP®, CPWA®, a distinguished Senior Financial Advisor and Texas Attorney, who brings over 15 years of expertise in wealth management, estate planning, and financial planning to our valued clients.

Our story began with a commitment to building legacies for generations, a mission that resonates deeply with the residents of Hedwig Village and its neighboring communities, such as Spring Valley Village and Bunker Hill Village. These areas are known for their strong sense of community and commitment to family values, making them the perfect backdrop for Amy’s personalized financial advisory services.

Amy Zamikovsky, with her impressive credentials as a CERTIFIED FINANCIAL PLANNER® professional and Certified Private Wealth Advisor® professional, is dedicated to addressing the unique financial needs of the Hedwig Village community. Her extensive experience, combined with her legal background, allows her to craft customized financial strategies that not only build and preserve wealth but also ensure its efficient transfer to future generations.

Our services are designed to meet the diverse needs of our clients, from estate planning to wealth management, and everything in between. We pride ourselves on our collaborative approach, working closely with a team of professionals, including attorneys, trustees, administrators, and CPAs, to ensure that your estate plan aligns seamlessly with your financial goals.

In the realm of wealth management, every investment recommendation is grounded in sound, conservative financial planning. We ensure that your portfolio reflects your personal goals and values, earning its place through rigorous evaluation.

Settlement planning is another area where we excel, offering financial planning and traditional wealth management solutions that often surpass the benefits of structured products, even after taxes. Our approach is rooted in transparency and mathematical precision, allowing the numbers to guide our decisions.

For those experiencing windfalls, whether through inheritance or lottery winnings, we offer strategic tax planning, retirement planning, and alternative investment opportunities to integrate seamlessly with your existing financial framework. Our goal is to transform these windfalls into lasting prosperity.

Tax planning is a cornerstone of our services, providing a clear, quantified picture of optimal strategies for estate, gift, income, and capital gains taxes. We collaborate with CPAs to ensure the proper implementation of these strategies, maximizing your financial benefits.

Retirement planning is a personal pleasure and honor for us, as we guide clients through all stages of life, ensuring that their financial plans evolve with their changing needs and aspirations.

For business owners, our exit planning services are designed to maximize the value of your business, minimize taxes, and preserve your legacy. We provide comprehensive financial planning services to help you transition smoothly into the next chapter of your life.

Our 401(k) optimization services ensure that your retirement account aligns with your broader financial goals, risk tolerance, and retirement timeline. As a fiduciary CFP® professional, Amy offers holistic advice on your entire financial picture, even for assets she does not directly manage.

In the sensitive area of divorce financial planning, Amy serves as a dedicated Personal Divorce Strategist, combining her legal expertise and financial planning skills to protect your best interests. From asset valuation to income planning, she provides unbiased advocacy and guidance, helping you make informed decisions based on facts rather than emotions.

Inheritance planning is approached with empathy and expertise, assisting clients in navigating the complexities of estate administration and management. We assemble a team of reputable professionals to ensure a smooth transition, regardless of jurisdiction.

Amy Zamikovsky is proud to be affiliated with esteemed organizations such as the Houston Association of Women Attorneys, the Houston Estate and Financial Forum, and the Houston Bar Association’s Probate, Trusts & Estates & Litigation sections. Her membership in NAPFA, The National Association of Personal Financial Advisors, underscores her commitment to fiduciary duty and ethical financial planning.

While we are based in Houston, our services extend nationwide, catering to clients with multiple residences and those who travel extensively. Our expertise transcends geographic boundaries, allowing us to serve a diverse clientele with the same level of personal attention and care.

We invite you to explore the possibilities of building a lasting legacy with us. Whether you’re in the City of Hedwig Village or beyond, Amy Zamikovsky is here to guide you every step of the way, ensuring that your financial future is as bright and secure as the community you call home.

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

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

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

Navigating the complexities of divorce can be daunting, especially when it comes to financial planning. Here in the City of Hedwig Village, nestled within the vibrant tapestry of the Greater Houston area, we understand the unique challenges you face. Our community, known for its rich history and close-knit neighborhoods, provides a supportive backdrop for individuals embarking on new life chapters. At the heart of this community, Attorney Amy Zamikovsky, JD, CFP®, CPWA®, stands ready to guide you through this transition with expertise and empathy.

Introducing Amy Zamikovsky, JD, CFP®, CPWA®

With over 15 years of experience in wealth management, estate planning, and financial planning, Amy Zamikovsky is a Senior Financial Advisor at Transform Wealth. Her educational journey began with a B.S. in Biology from Southeastern Louisiana University, followed by a J.D. from the University of Houston Law Center. Her professional path includes significant tenures at Merrill Lynch, where she earned her CERTIFIED FINANCIAL PLANNER® designation, and further advanced her expertise with a Certified Private Wealth Advisor® designation from the Yale School of Management. As a licensed Texas Attorney, Amy leverages her legal acumen to craft personalized financial strategies that effectively build, preserve, and transfer wealth. Her commitment to public education and financial protection is evident in her development and instruction of a State Bar of Texas CLE course, focusing on ethics, fiduciary duty, and legal settlement planning.

Divorce Financial Planning

At the core of our services is a deep understanding of the emotional and financial intricacies of divorce. We don’t just work with clients like you; we’ve walked this path ourselves. Our approach is built on empathy and expertise, ensuring that your financial future is secure and promising.

Fact-Finding

In the City of Hedwig Village, where community values and personal connections are paramount, we prioritize getting to know you—the real you. Our comprehensive fact-finding process delves into every aspect of your financial landscape, providing clarity and confidence during divorce negotiations. We understand that each detail can significantly impact your financial future, and we are committed to crafting a customized financial plan that lays a strong foundation for the life you deserve.

Planning

The next chapter of your life begins here, in a community that values growth and resilience. We develop tailored financial strategies that align with your unique goals, both immediate and long-term. Our meticulous planning process illuminates the possibilities that await you in this new phase of life, ensuring that your financial independence is both achievable and sustainable.

Implementation

Real transformation occurs when plans are put into action. We collaborate with you and your trusted legal and financial professionals to streamline your financial life, implementing strategies that are truly in your best interest. As your fiduciary, we are dedicated to ensuring that every recommendation is personalized and beneficial, guiding you towards a future of financial security and peace of mind.

Our Commitment to the City of Hedwig Village

While we are introducing our services to the City of Hedwig Village, we want to emphasize that we represent clients globally, including those in this vibrant community. Our office, located at 820 Gessner Road in Houston, Texas, operates by appointment only, ensuring personalized attention and service. We are committed to supporting you through this transition, providing expert guidance and compassionate support every step of the way.

For inquiries or to schedule an appointment, please contact us at contact@attorneyamycfp.com or call (512) 537-2221. Let us help you navigate the financial complexities of divorce with confidence and clarity, right here in the City of Hedwig Village.

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

Welcome to the City of Hedwig Village, a charming enclave nestled within the bustling metropolis of Houston, Texas. Known for its lush greenery and a close-knit community, Hedwig Village offers a serene escape from the urban hustle, while still providing easy access to the vibrant cultural and economic opportunities of the greater Houston area. This unique blend of tranquility and accessibility makes it an ideal place for those seeking both peace and prosperity.

Congratulations, City of Hedwig Village 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 thrill of sudden wealth, you are now faced with crucial decisions that will shape your financial security for generations to come. As a CERTIFIED FINANCIAL PLANNER® professional, Certified Private Wealth Advisor® professional, and attorney with over 15 years of experience guiding high-net-worth individuals, I, Amy Zamikovsky, am here to help you navigate this exhilarating yet overwhelming time with confidence and clarity.

Preserve Your Winnings

Safeguarding your newfound wealth is of utmost importance. Without proper legal structures and financial strategies, your millions could be susceptible to taxes, lawsuits, scams, and mismanagement. As your trusted advisor, I’ll assist you in:

  • Creating a trust and estate plan to protect 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 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 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 Hedwig Village, 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 Hedwig Village.

Office Address

BY APPOINTMENT ONLY
820 Gessner Road
Houston, Texas 77024

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

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

Nestled within the vibrant tapestry of Greater Houston, the City of Hedwig Village is a charming enclave known for its rich history and community spirit. While it may be small in size, the financial decisions made here can have a significant impact. As a trial attorney in this unique locale, you may find yourself at a crossroads after securing a substantial $1 million contingency fee. A structured settlement broker might suggest deferring your fee into a “tax-advantaged” annuity. While this option may seem appealing, it often isn’t the most financially prudent choice, even for those in the highest tax bracket. Here’s why savvy attorneys in Hedwig Village and beyond turn to a Certified Financial Planner® (CFP®) professional to analyze the numbers before making a decision.

The True Cost of Deferral

Consider this: you’re in the top federal tax bracket of 37%. On a $1 million fee, that equates to a $370,000 tax bill if you take the lump sum. While this may seem daunting, let’s explore the potential 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 disparity is striking. Even after paying $370,000 in taxes, you could end up with $1-1.9 million more by opting for the lump sum and investing it. Over a 30-year period at an 8% return, the lump sum could grow to $6.4 million after taxes, compared to just $1.5 million with deferral.

Lost Opportunity and Liquidity

Beyond the substantial wealth gap, taking a lump sum provides invaluable liquidity and leverage. If 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. Additionally, if you wish to adjust your investments or estate plan, having your money locked up in a deferral can be a significant disadvantage.

More Tax-Efficient Growth

Structured settlement companies often tout “tax-free growth,” but with strategic planning, you can significantly outperform deferral after taxes:

  • Maximize contributions to pre-tax retirement plans for tax-deferred growth
  • Contribute after-tax dollars to a Roth IRA for tax-free growth
  • Allocate assets tax-efficiently across different 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®) professional, can help you craft a far more tax-efficient strategy 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 a fraction of the fees.

Don’t Defer Without Professional Analysis

Before considering a structured settlement proposal, consult with an experienced CFP® professional to model your unique scenario. More often than not, you’ll 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 seeking 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.

Remember, while we are introducing ourselves to the City of Hedwig Village, we are not implying that we are located there or planning to move there. We represent clients worldwide, including but not limited to this charming 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 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 the City of Hedwig Village! We’re Here for You!

Welcome to the City of Hedwig Village, a charming enclave nestled within the bustling metropolis of Houston, Texas. Known for its serene residential neighborhoods and a strong sense of community, Hedwig Village offers a unique blend of suburban tranquility and urban convenience. As we introduce our wealth management and financial planning services to this vibrant locale, we aim to provide residents with the tools and strategies necessary to secure their financial futures.

Why Choose Tax-Planned Financial Planning?

In the heart of Hedwig Village, we understand the importance of making informed financial decisions. Our focus on tax-planned financial planning and wealth management is designed to offer superior benefits compared to structured settlements. The numbers speak for themselves—strategic planning can significantly enhance your financial outcomes. By prioritizing tax efficiency, we help you maximize your wealth and achieve your financial goals.

Our Expertise: Where Legal Knowledge Meets Customized Wealth Strategies

Amy Zamikovsky, JD, CFP®, CPWA®, is a Senior Financial Advisor at Transform Wealth, bringing 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 create tailored strategies for her clients. Her credentials as a CERTIFIED FINANCIAL PLANNER® professional and Certified Private Wealth Advisor® professional further enhance her ability to guide clients through complex financial landscapes.

Tailored Solutions for High-Net-Worth Portfolios

Our services are particularly suited for portfolios exceeding $1 million, addressing the unique challenges and opportunities they present. We offer a holistic approach that encompasses wealth management, tax optimization, and estate planning, ensuring that your financial strategies align with your personal values and objectives. Whether you’re a high-net-worth family, business owner, or medical professional, our personalized solutions are designed to preserve and grow your wealth while allowing you to enjoy life’s journey.

Empowering Your Financial Legacy

As an experienced attorney and fiduciary, Amy Zamikovsky is uniquely positioned to facilitate sensitive financial discussions with you and your family. Our customized strategies empower you to confidently build your ideal personal legacy, ensuring that your wealth is preserved and transferred according to your wishes.

Comprehensive Financial Services for Hedwig Village

Our services extend beyond traditional financial planning, offering a wide range of solutions tailored to the needs of Hedwig Village 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 financial principles that reflect your values.
  • Settlement Planning: Demonstrating the financial superiority of traditional planning over structured products, even after taxes.
  • Windfall and Lottery Planning: Transforming sudden wealth into lasting prosperity through strategic planning.
  • Tax Planning: Offering clear, quantified strategies for estate, gift, income, and capital gains taxes.
  • Retirement and Exit Planning: Guiding you through life’s transitions with expertise and care.
  • 401(k) Optimization: Ensuring your retirement accounts align with your broader financial goals.
  • Divorce Financial Planning and Personal Divorce Strategist Services: Providing expert guidance and advocacy during challenging times.
  • Inheritance Planning: Assisting with estate administration and management during difficult periods.

Serving a Diverse Clientele

We proudly serve clients nationwide, including those with multiple residences and extensive travel schedules. Our expertise extends far beyond Hedwig Village, catering to high-net-worth families, corporate executives, professional athletes, and more. Whether you’re navigating a divorce, planning for retirement, or managing an inheritance, our team is here to support you every step of the way.

Connect with Us

We invite you to explore the benefits of working with a seasoned financial advisor who understands the unique landscape of Hedwig Village. By appointment only, you can visit us at 820 Gessner Road, Houston, Texas 77024. For inquiries, please contact us at (512) 537-2221 or email contact@attorneyamycfp.com.

Let us help you move forward with confidence, knowing that your financial future is in capable hands.