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

Welcome to the City of Katy, a vibrant community nestled just west of Houston, Texas. Known for its rich history, warm hospitality, and a thriving local culture, Katy is a place where tradition meets modernity. As a Senior Financial Advisor and Texas Attorney, I am thrilled to introduce myself to this dynamic locale. My name is Amy Zamikovsky, JD, CFP®, CPWA®, and I am dedicated to providing exceptional financial advisory services tailored to meet the unique needs of Katy’s residents.

Our story began with a commitment to building legacies for generations. With over 15 years of experience in wealth management, estate planning, and financial planning, I have honed my skills to offer personalized strategies that align with your financial goals. My journey in the financial world started with a B.S. in Biology from Southeastern Louisiana University, followed by a J.D. from the University of Houston Law Center. My professional path led me to earn the CERTIFIED FINANCIAL PLANNER® designation while at Merrill Lynch and the Certified Private Wealth Advisor® designation through the Yale School of Management.

In Katy, where the community values trust and integrity, I am proud to serve as a fiduciary. This means I have a legal and ethical obligation to act in your best interests, ensuring that your financial well-being is my top priority. Whether you’re navigating the complexities of estate planning, wealth management, or settlement planning, my approach is rooted in sound, conservative financial planning. I work closely with a team of professionals, including attorneys, trustees, administrators, and CPAs, to ensure your estate plan reflects your current wishes and integrates seamlessly with your financial plan.

Katy’s proximity to Houston, a bustling metropolis, provides residents with access to a wide range of resources and opportunities. As a member of several esteemed organizations, including the Houston Association of Women Attorneys, Houston Estate and Financial Forum, and the Houston Bar Association’s Probate, Trusts & Estates & Litigation sections, I am well-equipped to address the financial needs of this community. Additionally, my affiliation with NAPFA, The National Association of Personal Financial Advisors, underscores my commitment to providing fee-only, client-centered financial advice.

Our services extend beyond traditional financial planning. We offer specialized guidance in windfall planning, lottery planning, and tax planning, ensuring that every financial decision is informed by a clear, quantified picture of optimal strategies. Whether you’re planning for retirement or optimizing your 401(k), our comprehensive approach is designed to maximize your financial potential while minimizing risks.

For those experiencing life transitions, such as divorce, our divorce financial planning services provide expert guidance to help you make informed decisions. As your Personal Divorce Strategist, I combine my expertise as both an attorney and Certified Financial Planner® professional to protect your best interests every step of the way. From asset valuation to income planning and wealth preservation strategies, you can trust that you will never face a critical decision alone.

In times of loss, our inheritance planning services offer compassionate support to help you navigate the complexities of estate administration. We assemble a team of reputable professionals to ensure that your loved one’s estate is managed effectively, regardless of jurisdiction.

While we proudly serve clients nationwide, including those with multiple residences and extensive travel schedules, our expertise is particularly attuned to the needs of Katy’s residents. We understand the importance of tax-planned financial planning and wealth management, focusing on the numbers because they never lie. Our goal is to transform your wealth into a lasting legacy, ensuring that your financial future is secure.

We invite you to experience the personal attention and care that defines our approach. At Attorney Amy Zamikovsky, JD, CFP®, CPWA®, we value the trust and opportunity given to us by our clients. It is our honor to work with you through all of life’s stages, helping you build a legacy that will endure for generations.

For more information or to schedule an appointment, please contact us at our Houston office, conveniently located at 820 Gessner Road. We look forward to serving the City of Katy and helping you achieve your financial goals with integrity and expertise.

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

Welcome to the City of Katy, a vibrant community nestled in the Greater Houston area, known for its rich history, family-friendly atmosphere, and a blend of small-town charm with modern amenities. As a Senior Financial Advisor and Texas Attorney, I, Amy Zamikovsky, JD, CFP®, CPWA®, am here to guide you through the complexities of pre-and-post divorce financial planning, offering services tailored to meet the unique needs of residents in this thriving locale.

Introducing Amy Zamikovsky, JD, CFP®, CPWA®

With over 15 years of expertise in wealth management, estate planning, and financial planning, I bring a wealth of knowledge and experience to the table. My academic journey began with a B.S. in Biology from Southeastern Louisiana University, followed by a J.D. from the University of Houston Law Center. During my tenure at Merrill Lynch, I earned my CERTIFIED FINANCIAL PLANNER® designation, and later, my Certified Private Wealth Advisor® designation through the Yale School of Management. As a licensed Texas Attorney, I leverage my legal expertise to craft personalized financial strategies that effectively build, preserve, and transfer wealth. My passion lies in educating and financially protecting the public, which is why I developed and teach a State Bar of Texas CLE course focusing on ethics, fiduciary duty, and legal settlement planning.

Divorce Financial Planning: Understanding Your Needs in the City of Katy

Divorce can be a challenging and emotional journey, and I understand your concerns because I’ve been there myself. My approach is rooted in empathy and expertise, ensuring that you receive the guidance and support you need during this pivotal time. Let’s delve into the key components of our divorce financial planning process:

Fact-Finding

In the heart of Katy, where community values and personal connections thrive, we take the time to truly get to know you. Our fact-finding process is thorough yet compassionate, focusing on every detail that impacts your financial future. We work collaboratively to provide you with clarity and confidence during the financial negotiations of your divorce. Your customized financial plan will serve as a robust foundation for building the future you deserve.

Planning

The next chapter of your life begins here in Katy, a city that embraces growth and opportunity. We craft tailored financial strategies that align with your unique goals, both current and future. By identifying your short-term needs and working towards long-term financial independence, our meticulous planning process illuminates the possibilities that await you in this new phase of life.

Implementation

Turning plans into action is where real transformation begins. In collaboration with your trusted legal and financial professionals, we streamline your financial life and put our strategies into motion. As your fiduciary, I ensure that every personalized recommendation is genuinely in your best interest, empowering you to navigate your financial journey with confidence.

Our Commitment to the City of Katy

While we are introducing ourselves to the City of Katy, it’s important to note that we represent clients worldwide, including those in this dynamic community. Our office, located at 820 Gessner Road in Houston, Texas, operates by appointment only, allowing us to provide personalized attention to each client.

For inquiries or to schedule a consultation, please contact us at:

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

In the City of Katy, where tradition meets progress, I am committed to helping you achieve financial stability and peace of mind during and after your divorce. Let’s work together to build a brighter future.

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

Congratulations, City of Katy lottery winners! You’ve just unlocked a world of possibilities with your newfound fortune. While the excitement of sudden wealth is exhilarating, it also brings a host of important decisions that will shape your financial future for generations to come. As a CERTIFIED FINANCIAL PLANNER® professional, Certified Private Wealth Advisor® professional, and attorney with over 15 years of experience, I am here to guide you through this transformative journey with clarity and confidence.

Preserve Your Winnings

In the vibrant community of Katy, where Southern hospitality meets modern living, safeguarding your newfound wealth is crucial. Without the right legal structures and financial strategies, your millions could be at risk from taxes, lawsuits, scams, and mismanagement. As your trusted advisor, I will help you:

  • Develop a comprehensive trust and estate plan to protect your assets and minimize taxes
  • Assemble a team of vetted attorneys, CPAs, and bankers to support your financial journey
  • Maintain your privacy and security amidst newfound attention
  • Manage incoming donation and investment requests with discernment

Plan for a Lifetime of Wealth

Your jackpot can be more than just a fleeting windfall; with strategic planning, it can become the foundation for enduring wealth. Drawing on my extensive experience as a CFP® professional and CPWA® professional, I will craft a personalized wealth management plan to help you:

  • Define your short and long-term lifestyle and legacy goals, tailored to your unique vision
  • Invest for optimal growth, income, and capital preservation, ensuring your wealth continues to flourish
  • Maximize tax efficiency through strategic accounts and asset allocation
  • Secure your retirement with income-generating investments that provide peace of mind
  • Establish trusts and gifts for future generations, creating a lasting legacy

Give with Confidence

If philanthropy is close to your heart, I am delighted to assist you in transforming one-time gifts into enduring charitable vehicles. With tools like donor-advised funds and family foundations, you can translate your values into impactful actions, establishing a giving legacy that inspires your family and community for generations.

Enjoy Your Winnings

Now is the time to indulge in the dreams you’ve always cherished. Whether it’s a dream home in the charming neighborhoods of Katy, a world tour, a college fund for your children, or that sports car you’ve always admired, I’ll guide you in prudently earmarking funds. 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?

Navigating the complexities of sudden wealth requires a seasoned financial quarterback who understands the unique challenges of managing an overnight fortune. With over 15 years of experience as a CFP® professional and CPWA® professional, I have successfully helped countless individuals and families transform sudden windfalls into lasting wealth. My background as an attorney also enables me to craft robust legal strategies to protect your assets from potential threats.

From the moment you claim your prize, I will be by your side as your personal CFO, investment expert, and legal advocate. I will filter the noise, educate you on your options, and always prioritize your interests, allowing you to 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 delay in planning 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.

Office Address

BY APPOINTMENT ONLY
820 Gessner Road
Houston, Texas 77024

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

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

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

You’ve just achieved a significant victory in court, 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 optimal 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 translates to a $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 the benefits only grow over time. 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 substantial wealth gap, a lump sum provides invaluable liquidity and leverage. Need funds for a lucrative investment or unexpected expense? Access a securities-based loan. Banks won’t lend against deferred fees. Want to adjust your investments or estate plan? Unfortunately, your money is locked up.

More Tax-Efficient Growth

What about the “tax-free growth” structured settlement companies promote? With strategic planning, you can significantly outperform deferral after tax:

  • 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 CERTIFIED FINANCIAL PLANNER® professional, especially a Certified Private Wealth Advisor® professional, can help you craft a far more tax-smart approach than the blunt deferral method.

The Hidden Fees

Here’s another pitfall of deferral: hidden commissions. Structured settlement brokers often take 4% or more off the top. On a $1 million fee, that’s $40,000 of your money lost—an amount that could grow to $452,593 over 30 years at 8%! In contrast, you can invest your lump sum in low-cost index funds for a fraction of the fees.

Don’t Defer Without Professional Analysis

Before considering a structured settlement proposal, engage an experienced CERTIFIED FINANCIAL PLANNER® professional to model your unique scenario. Chances are, you’ll find the compounding effect of investing your after-tax lump sum far outweighs any perceived benefits of deferral—even in the highest tax bracket.

If you’d like a personalized professional assessment of an upcoming fee decision, contact us today to see how we can help you maximize your hard-earned wealth.

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

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

Welcome to the vibrant City of Katy, a community known for its rich history, friendly neighborhoods, and a thriving economy. Nestled just west of Houston, Katy is a place where tradition meets innovation, making it an ideal location for families and businesses alike. As we introduce our wealth management and financial planning services to this dynamic area, we are excited to bring our expertise to the residents of Katy, Texas.

Why Choose Tax-Planned Financial Planning in Katy?

In the heart of Katy, where growth and opportunity abound, making informed financial decisions is crucial. At the core of our philosophy is the belief that tax-planned financial planning and wealth management offer far superior benefits compared to structured settlements. The numbers are clear, and the math is decisive. By focusing on tax efficiency, we help you maximize your wealth and secure your financial future.

Meet Amy Zamikovsky, JD, CFP®, CPWA®

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 is uniquely equipped to guide you through complex financial landscapes. Her credentials as a CERTIFIED FINANCIAL PLANNER® professional and Certified Private Wealth Advisor® professional underscore her commitment to excellence.

Customized Wealth Strategies for Katy Residents

Our specialization lies in crafting personalized financial strategies that align with your priorities, goals, and values. Whether you’re a high-net-worth family, a business owner, or a retiree in Katy, our holistic approach ensures that your wealth is preserved and grown effectively. From wealth management to optimized tax and estate planning strategies, we provide solutions tailored to your unique needs.

Comprehensive Financial Services

Estate Planning

In Katy, where family and community are paramount, estate planning is essential. We collaborate with your team of professionals 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 principles. We ensure that your portfolio aligns with your goals and values, providing peace of mind as you navigate the financial markets.

Settlement Planning

Even in the aftermath of a settlement, financial planning and traditional wealth management often prove more beneficial than structured products. We let the math speak for itself, ensuring you make informed decisions.

Windfall and Lottery Planning

Katy residents experiencing financial windfalls or lottery wins can rely on our expertise to transform sudden wealth into lasting prosperity. We provide strategic tax planning, retirement planning, and alternative investment options to secure your financial future.

Tax and Retirement Planning

Our tax planning services offer a clear, quantified picture of optimal strategies, whether dealing with estate taxes, gift taxes, or Roth conversions. We also provide retirement planning tailored to your life stage, ensuring a comfortable and secure future.

Exit and 401(k) Optimization Planning

For business owners in Katy, our exit planning services help maximize your business’s value while minimizing taxes. Additionally, our 401(k) optimization services ensure your retirement accounts align with your broader financial goals.

Divorce Financial Planning and Personal Divorce Strategist Services

Navigating divorce is challenging, but our services provide expert guidance to help you make informed decisions. As your Personal Divorce Strategist, Amy combines her legal and financial expertise to protect your interests and create a roadmap for financial independence.

Inheritance Planning

During difficult times, we offer compassionate support and guidance in inheritance planning. We help you assemble a team of professionals to manage and administer estates effectively, ensuring your loved one’s legacy is honored.

Serving Katy and Beyond

While we proudly serve clients nationwide, including those in the City of Katy, our expertise extends far beyond local boundaries. We cater to high-net-worth families, business owners, medical professionals, and more, providing tailored financial solutions to meet diverse needs.

Contact Us

To learn more about how we can assist you in achieving your financial goals, contact us today. Our office is located at 820 Gessner Road, Houston, Texas 77024. Please note that visits are by appointment only. Reach out via email at contact@attorneyamycfp.com or call us at (512) 537-2221.

In the City of Katy, where community and opportunity thrive, we are here to help you build and sustain generational wealth. Let us guide you on your financial journey, ensuring your legacy endures for generations to come.