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

Welcome to the vibrant City of Kemah, a charming coastal town nestled along the shores of Galveston Bay, renowned for its bustling boardwalk, maritime heritage, and warm community spirit. As we introduce our esteemed Senior Financial Advisor, Amy Zamikovsky, JD, CFP®, CPWA®, to this unique locale, we bring a wealth of expertise and a deep commitment to building legacies for generations.

Amy Zamikovsky, a distinguished CERTIFIED FINANCIAL PLANNER® professional and Certified Private Wealth Advisor® professional, has over 15 years of experience 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. Her career path has been marked by a dedication to financial education and protection, culminating in the development of a State Bar of Texas CLE course focused on ethics, fiduciary duty, and legal settlement planning.

In the City of Kemah, where the local economy thrives on tourism, boating, and small businesses, Amy’s financial advisory services are tailored to meet the specific needs of this dynamic community. Whether you’re a resident or a visitor enjoying the nearby attractions of League City or Seabrook, Amy’s expertise extends beyond geographic boundaries, serving clients nationwide who have multiple residences and travel extensively.

As a fiduciary, Amy is legally and ethically obligated to act in your best interests, ensuring that your financial strategies are not only sound but also aligned with your personal goals. Her membership in professional organizations such as the Houston Association of Women Attorneys, Houston Estate and Financial Forum, and the National Association of Personal Financial Advisors underscores her commitment to excellence and integrity.

Our services are designed to address a wide range of financial needs, from estate planning and wealth management to settlement planning and windfall planning. We understand that life in Kemah can bring unexpected opportunities and challenges, and we’re here to guide you through them with personalized attention and care.

For those experiencing significant life changes, such as divorce, Amy offers specialized financial planning and personal divorce strategist services. Her dual expertise as an attorney and financial planner ensures that you receive comprehensive support, from asset valuation to wealth preservation strategies.

In the realm of inheritance planning, we offer compassionate guidance to help you navigate the complexities of estate administration, ensuring that your loved one’s legacy is honored and preserved.

Our firm specializes in managing portfolios exceeding $1 million, providing sophisticated tax planning and retirement strategies that are crucial for maximizing your financial potential. Whether you’re planning for retirement, optimizing your 401(k), or considering exit strategies for your business, we offer the expertise and insight needed to achieve your financial aspirations.

While our office is based in Houston, Texas, we are proud to serve the residents of Kemah and beyond, offering appointments by request. We invite you to reach out to us at contact@attorneyamycfp.com or call (512) 537-2221 to learn more about how we can help you transform your wealth into a lasting legacy.

In the City of Kemah, where the community thrives on connection and collaboration, we are honored to be a part of your financial journey. With Amy Zamikovsky, JD, CFP®, CPWA®, you can trust that your financial future is in capable hands, guided by a commitment to excellence and a passion for building legacies that endure.

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

Nestled along the picturesque shores of Galveston Bay, the City of Kemah is renowned for its vibrant boardwalk, rich maritime history, and a close-knit community that thrives on the Gulf Coast’s unique blend of Southern charm and coastal living. As a Senior Financial Advisor and Texas Attorney, I, Amy Zamikovsky, JD, CFP®, CPWA®, am excited to extend my expertise in pre-and-post divorce financial planning to the residents of this beautiful city.

Divorce Financial Planning

Divorce can be a challenging journey, but with the right financial planning, it can also be a transformative one. At the heart of Kemah’s community spirit, we understand the importance of navigating these waters with empathy and precision. Our approach is rooted in our own experiences and a deep commitment to helping you achieve financial clarity and confidence.

Fact-Finding

In the vibrant community of Kemah, where every individual story is as unique as the sunsets over the bay, we take the time to truly understand you. Our fact-finding process is designed to uncover every detail that impacts your financial future. We work closely with you to ensure that you have a comprehensive understanding of your financial landscape, empowering you to make informed decisions 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 the heart of Kemah. We craft personalized financial strategies that align with your unique goals, both immediate and long-term. Our meticulous planning process illuminates the possibilities that lie ahead, helping you achieve financial independence in this new phase of life. Whether you’re strolling along the boardwalk or enjoying the local seafood, our plans are tailored to fit your lifestyle and aspirations.

Implementation

In Kemah, where the community thrives on collaboration and support, we turn plans into action. We work alongside you and your trusted legal and financial professionals to streamline your financial life and implement our strategies. As your fiduciary, we ensure that every recommendation is made with your best interests at heart, guiding you toward a financially secure future.

Introducing Amy Zamikovsky, JD, CFP®, CPWA®

With over 15 years of experience in wealth management, estate planning, and financial planning, I am dedicated to serving the residents of Kemah with the highest level of expertise. Holding 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 prestigious institutions such as Merrill Lynch and the Yale School of Management. My commitment to education and financial protection extends to teaching a State Bar of Texas CLE course on ethics, fiduciary duty, and legal settlement planning.

Why Choose Tax-Planned Financial Planning?

In Kemah, where the community values transparency and integrity, we emphasize the importance of tax-planned financial planning and wealth management. These strategies offer superior financial benefits compared to structured settlements. By focusing on the numbers, we provide clear, evidence-based solutions that empower you to make informed decisions. The math is undeniable, and we are here to guide you through it.

Our Commitment to Kemah

While our office is located in Houston, Texas, we are proud to represent clients from around the world, including the vibrant community of Kemah. We are committed to providing personalized financial planning services that reflect the unique character and needs of this coastal city.

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

We look forward to helping you navigate your financial journey with confidence and clarity, right here in the City of Kemah.

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

Congratulations, City of Kemah lottery winners! You’ve just unlocked a world of possibilities with your newfound fortune. Nestled along the picturesque shores of Galveston Bay, Kemah is renowned for its vibrant boardwalk, nautical charm, and a community that celebrates life by the water. As you embark on this thrilling journey of sudden wealth, it’s crucial to make informed decisions that will safeguard your financial future for generations to come. I am Amy Zamikovsky, a CERTIFIED FINANCIAL PLANNER® professional and Certified Private Wealth Advisor® professional, here to guide you through this exhilarating yet complex time with expertise and assurance.

Preserve Your Winnings

In the heart of Kemah, where the sea breeze whispers tales of prosperity, protecting your newfound wealth is of utmost importance. Without the right legal frameworks and financial strategies, your millions could be at risk from taxes, lawsuits, scams, and mismanagement. As your dedicated advisor, I will assist you in:

  • Establishing a trust and estate plan to shield your assets and minimize tax liabilities
  • Assembling a team of trusted attorneys, CPAs, and bankers
  • Ensuring your privacy and security are maintained
  • Managing incoming requests for donations and investments

Plan for a Lifetime of Wealth

Your jackpot doesn’t have to be 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 design 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 close to your heart, I am delighted to guide you in transforming one-time gifts into lasting charitable vehicles. With tools like donor-advised funds and family foundations, you can translate your values into impactful actions and create a giving legacy that will inspire your family for generations.

Enjoy Your Winnings

Now is the time to reward yourself and your loved ones! Whether it’s a dream home by the bay, world travel, a college fund, or that sports car you’ve always desired, I’ll show you how to prudently allocate funds for these dreams. With a balanced approach, you can enjoy the fruits of your blessings while ensuring 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 equips 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 relax and enjoy your spectacular windfall with complete 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.

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

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

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

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

Nestled along the picturesque shores of Galveston Bay, the City of Kemah is renowned for its vibrant boardwalk, charming marinas, and a rich maritime history that dates back to the early 19th century. As a thriving hub of culture and commerce, Kemah is not just a destination for tourists but also a community where professionals, including attorneys, seek to optimize their financial strategies. If you’re an attorney in Kemah who has just secured a $1 million contingency fee, you might be considering deferring your fee into a “tax-advantaged” annuity. While this may sound appealing, it’s crucial to evaluate whether it’s truly the best financial decision. In most cases, the answer is no, even for those in the highest tax bracket. 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, this translates to a $370,000 tax bill if you opt for a lump sum. While this may seem daunting, let’s compare 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 significant. Even after paying $370,000 in taxes, you could end up with $1-1.9 million more by taking the lump sum and investing it. The long-term benefits are even more pronounced. Over 30 years at an 8% return, the lump sum grows to $6.4 million after tax, compared to just $1.5 million with deferral.

Lost Opportunity and Liquidity

Beyond the wealth gap, a lump sum provides invaluable liquidity and leverage. Should you need funds for a lucrative investment or an unexpected expense, you can access a securities-based loan. Banks typically do not lend against deferred fees. Additionally, if you wish to adjust your investments or estate plan, having your money tied up can be a significant disadvantage.

More Tax-Efficient Growth

Structured settlement companies often highlight “tax-free growth,” but with strategic planning, you can achieve far superior results 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
  • Take advantage of the lower long-term capital gains rate

A skilled CFP®, particularly a Certified Private Wealth Advisor® (CPWA®), can help you devise a more tax-efficient strategy than the straightforward deferral method.

The Hidden Fees

Another pitfall of deferral is hidden commissions. Structured settlement brokers often charge 4% or more off the top. On a $1 million fee, this equates to $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 only a fraction of these fees.

Don’t Defer Without Professional Analysis

Before considering a structured settlement proposal, consult with an experienced CFP® 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 interested in a personalized professional assessment of an upcoming fee decision, contact us today to discover how we can help you maximize your hard-earned wealth.

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

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 Kemah! We’re Here for You!

Nestled along the scenic shores of Galveston Bay, the City of Kemah is renowned for its vibrant boardwalk, charming marinas, and a rich tapestry of cultural influences. This coastal gem offers a unique blend of small-town charm and cosmopolitan flair, making it an ideal location for those seeking expert financial guidance. At the heart of this community, we introduce Amy Zamikovsky, JD, CFP®, CPWA®, a seasoned Senior Financial Advisor with a profound understanding of wealth management and financial planning.

Emphasizing the Importance of Tax-Planned Financial Planning

In Kemah, where the serene waters meet bustling commerce, the importance of tax-planned financial planning cannot be overstated. Our approach prioritizes numbers and strategic foresight, ensuring that your financial future is built on a solid foundation. Unlike structured settlements, which may offer limited flexibility, our tax-optimized strategies provide a comprehensive view of your financial landscape, allowing you to make informed decisions that align with your long-term goals.

Expertise Tailored to High-Net-Worth Portfolios

Amy Zamikovsky brings over 15 years of expertise in wealth management, estate planning, and financial planning. Her credentials as a CERTIFIED FINANCIAL PLANNER® professional and Certified Private Wealth Advisor® professional underscore her commitment to excellence. Our services are particularly beneficial for portfolios exceeding $1 million, where customized strategies are essential for preserving and growing wealth. Whether you’re a high-net-worth family, a business owner, or a medical professional, our holistic approach ensures that your financial plan reflects your unique priorities and values.

Navigating the Complexities of Financial Planning

Kemah’s dynamic environment presents both challenges and opportunities for financial growth. As an experienced attorney and fiduciary, Amy Zamikovsky is uniquely positioned to guide you through sensitive financial discussions. Her expertise extends to divorce financial planning, where she serves as a Personal Divorce Strategist, combining legal acumen with financial insight to protect your interests. From asset valuation to wealth preservation, our strategies empower you to build a lasting legacy.

Comprehensive Wealth Management Services

Our wealth management services are rooted in sound, conservative financial planning. Every investment recommendation is carefully crafted to align with your goals and values. We collaborate with a team of professionals, including attorneys, trustees, and CPAs, to ensure that your estate plan is seamlessly integrated with your financial plan. Whether you’re planning for retirement, optimizing your 401(k), or navigating a windfall, our expertise provides a clear roadmap for financial success.

Strategic Tax and Estate Planning

In Kemah, where the community thrives on innovation and tradition, strategic tax and estate planning are vital components of financial security. Our tax planning services cover estate taxes, gift taxes, income taxes, and more, providing a quantified picture of optimal strategies. We work closely with CPAs to ensure proper implementation, allowing you to focus on what truly matters—enjoying life in this picturesque coastal town.

Serving Clients Nationwide

While our roots are firmly planted in Texas, our reach extends far beyond. We proudly serve clients nationwide, including those with multiple residences and extensive travel schedules. Our expertise is not confined to Kemah; it spans the globe, offering tailored solutions to meet the diverse needs of our clients.

Contact Us

For those in Kemah and beyond, Amy Zamikovsky is here to provide expert financial guidance. Our office, located at 820 Gessner Road, Houston, Texas 77024, 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 Kemah, where the beauty of the bay meets the promise of prosperity, we are committed to helping you achieve your financial goals. Let us be your trusted partner on this journey, ensuring that your wealth is not only preserved but also poised for growth.