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

Greetings to the vibrant community of La Marque! I’m Amy Zamikovsky, JD, CFP®, CPWA®, and I’m thrilled to introduce my financial advisory services to this charming city. Nestled in Galveston County, La Marque is known for its rich history and close-knit community, offering a unique blend of small-town charm and proximity to the bustling city of Houston. This location provides a perfect backdrop for building and preserving legacies for generations, which is at the heart of what I do.

With over 15 years of experience in wealth management, estate planning, and financial planning, I am dedicated to serving the unique needs of La Marque’s residents. Whether you’re navigating the complexities of estate planning or seeking to optimize your investment portfolio, my goal is to provide personalized financial strategies that align with your values and aspirations.

As a CERTIFIED FINANCIAL PLANNER® professional and Certified Private Wealth Advisor® professional, I am committed to acting as a fiduciary, ensuring that your best interests are always at the forefront of every decision. This commitment is underscored by my involvement with esteemed organizations such as the Houston Association of Women Attorneys, the Houston Estate and Financial Forum, and the Houston Bar Association – Probate, Trusts & Estates & Litigation sections. Additionally, I am a proud member of NAPFA, The National Association of Personal Financial Advisors, which reinforces my dedication to providing fee-only, client-centered financial advice.

In La Marque, where community ties run deep, I understand the importance of personalized attention and care. I am humbled by the trust my clients place in me and am dedicated to providing the highest level of service. Whether you’re planning for retirement, managing a windfall, or navigating the financial complexities of divorce, I am here to guide you every step of the way.

Our financial planning services are designed to address the diverse needs of La Marque’s residents. From estate planning, where we collaborate with your team of professionals to ensure your wishes are honored, to wealth management, where we make investment recommendations based on sound, conservative principles, our services are tailored to your unique circumstances.

Settlement planning is another area where we excel, offering financial planning and traditional wealth management solutions that often prove superior to structured settlements. Our approach is grounded in numbers and data, ensuring that every decision is backed by solid financial reasoning.

For those experiencing a windfall, such as lottery winnings, we provide strategic tax planning and investment advice to help you transform newfound wealth into a lasting legacy. Our tax planning services cover estate, gift, income, and capital gains taxes, ensuring that your financial strategies are optimized for the best possible outcomes.

Retirement planning is a cornerstone of our services, and we take pride in helping clients prepare for and enjoy their golden years. Whether you’re just starting to plan or are already retired, our expertise ensures that your financial future is secure.

Exit planning is another critical service we offer, helping business owners in La Marque maximize the value of their enterprises while minimizing taxes and preserving their legacies. Our 401(k) optimization services further enhance your retirement planning, ensuring that your investments align with your broader financial goals.

For those going through a divorce, our divorce financial planning and Personal Divorce Strategist services provide the support and guidance needed to make informed decisions. We work to protect your interests and help you navigate this challenging time with confidence and clarity.

Inheritance planning is handled with the utmost sensitivity and care, ensuring that your loved ones’ legacies are honored and preserved. We assemble a team of professionals to manage and administer estates effectively, regardless of jurisdiction.

While my office is based in Houston, I am proud to serve clients nationwide, including those in La Marque. Our expertise extends far beyond geographic boundaries, allowing us to provide exceptional service to clients with multiple residences and extensive travel schedules.

Thank you for welcoming me into your community. I look forward to building lasting relationships and helping you achieve your financial goals. Please feel free to reach out to me at contact@attorneyamycfp.com or by phone at (512) 537-2221 to schedule an appointment. Together, we can build legacies for generations.

Pre-and-Post Divorce Financial Planning in the City of La Marque 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 La Marque, nestled in the heart of Galveston County, Texas, we understand the unique challenges faced by our community. With its rich history and vibrant culture, La Marque is a place where family and tradition hold great importance. At the same time, the financial landscape can be as dynamic as the Gulf Coast weather. This is where Attorney Amy Zamikovsky, JD, CFP®, CPWA®, steps in to provide expert guidance.

Amy Zamikovsky is a Senior Financial Advisor at Transform Wealth, bringing over 15 years of expertise 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. During her tenure at Merrill Lynch, Amy earned her CERTIFIED FINANCIAL PLANNER® designation and later achieved her Certified Private Wealth Advisor® designation through the Yale School of Management. As a licensed Texas Attorney, Amy leverages her legal acumen to craft personalized financial strategies that not only build and preserve wealth but also facilitate its seamless transfer.

Divorce Financial Planning

Divorce is a significant life transition, and we recognize the emotional and financial toll it can take. At our firm, we don’t just work with clients experiencing divorce; we’ve been through it ourselves. This personal experience fuels our commitment to excellence in divorce financial planning. We emphasize the importance of tax-planned financial planning and wealth management, which often surpass the benefits of structured settlements. The numbers speak for themselves, and our focus is on ensuring that the math works in your favor.

Fact-Finding

In the City of La Marque, where community ties run deep, understanding your unique financial situation is paramount. We dedicate time to truly get to know you and your financial landscape. Our compassionate approach ensures that every detail affecting your financial future is considered. By providing clarity and confidence during financial negotiations, we help lay a solid foundation for the future you deserve.

Planning

The next chapter of your life begins with a well-crafted financial strategy. We tailor our plans to align with your immediate needs and long-term aspirations. Our meticulous planning process illuminates the possibilities in your new phase of life, empowering you to achieve financial independence. In La Marque, where the community is as diverse as its history, we understand that each client’s goals are unique.

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. As your fiduciary, we ensure that every recommendation is made with your best interests at heart. Our commitment to ethical and effective financial planning is unwavering, much like the enduring spirit of La Marque itself.

While we are introducing our services to the City of La Marque, it’s important to note that we represent clients globally. Our office, located at 820 Gessner Road in Houston, Texas, operates by appointment only. We invite you to reach out via email at contact@attorneyamycfp.com or by phone at (512) 537-2221 to discuss how we can assist you in achieving your financial goals.

In the City of La Marque, where the past meets the present, and where community values are cherished, we are here to support you through life’s transitions with expertise and empathy. Let us help you navigate the financial aspects of divorce with confidence and clarity.

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

Congratulations, City of La Marque 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 shock of sudden wealth, you face critical decisions that will impact your financial security for generations. 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’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?

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 La Marque, 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 La Marque.

Office Address

BY APPOINTMENT ONLY
820 Gessner Road
Houston, Texas 77024

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

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

You’ve just achieved a significant victory in a major case, securing a $1 million contingency fee. A structured settlement broker might suggest deferring your fee into a “tax-advantaged” annuity. While this option may sound appealing, is it truly the most beneficial financial decision? For most attorneys, even those in the highest tax bracket, the answer is a resounding no. Let’s explore why savvy trial lawyers in the City of La Marque and beyond choose to collaborate with a CERTIFIED FINANCIAL PLANNER® professional to analyze the numbers before making a decision.

The True Cost of Deferral

Consider that you are in the top federal tax bracket of 37%. On a $1 million fee, this translates to a $370,000 tax bill if you take the lump sum. While this may seem daunting, let’s compare the 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 difference is substantial. 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 longer period, the benefits become 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 significant wealth gap, taking a lump sum provides you with crucial liquidity and financial leverage. Should you need funds for a promising investment or an unexpected expense, you can access a securities-based loan. Banks typically do not lend against deferred fees. If you wish to adjust your investments or estate plan, having your money tied up in a structured settlement limits your flexibility.

More Tax-Efficient Growth

What about the “tax-free growth” that structured settlement companies often promote? With strategic financial planning, you can achieve far superior results after taxes:

  • Maximize contributions to pre-tax retirement plans for tax-deferred growth
  • Invest after-tax dollars in 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 CERTIFIED FINANCIAL PLANNER® professional, particularly a Certified Private Wealth Advisor® professional, can help you devise a more tax-efficient strategy than the simplistic deferral approach.

The Hidden Fees

Another drawback of deferral is the hidden commissions. Structured settlement brokers often charge 4% or more off the top. On a $1 million fee, this amounts 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 CERTIFIED FINANCIAL PLANNER® professional to model your unique financial scenario. You’ll likely discover that the compounding effect of investing your after-tax lump sum far surpasses any perceived benefits of deferral, even in the highest tax bracket.

If you’re seeking a personalized professional assessment of an upcoming fee decision, reach out to us today. We’re here to help you maximize your hard-earned wealth.

This is My Location

While we are introducing ourselves to the City of La Marque, it’s important to note that we represent clients globally, including those in La Marque. We are not implying that we are located there or planning to move there.

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

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

By engaging with us, you gain access to the expertise of Amy Zamikovsky, JD, CFP®, CPWA®, a Senior Financial Advisor with over 15 years of experience in wealth management, estate planning, and financial planning. With her legal and financial acumen, Amy is dedicated to educating and financially protecting the public, ensuring your wealth is efficiently built, preserved, and transferred.

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

Welcome to the City of La Marque, a vibrant community nestled in the heart of Galveston County, Texas. Known for its rich history and close-knit community, La Marque offers a unique blend of small-town charm and modern amenities. As we introduce our wealth management and financial planning services to this dynamic locale, we aim to provide residents with the tools and strategies necessary to secure their financial futures.

Why Choose Tax-Planned Financial Planning in La Marque?

In La Marque, where the community values both tradition and innovation, the importance of tax-planned financial planning cannot be overstated. Unlike structured settlements, which may offer immediate financial relief, tax-planned strategies provide long-term benefits that align with your financial goals. By focusing on the numbers, we ensure that your wealth is managed efficiently, allowing you to enjoy the fruits of your labor while planning for the future.

Our Specialization: Where Legal Expertise Meets Customized Wealth Strategies

With over 15 years of experience, Amy Zamikovsky, JD, CFP®, CPWA®, is uniquely positioned to guide La Marque residents through the complexities of wealth management. Our expertise is tailored to portfolios exceeding $1 million, offering a holistic approach that encompasses wealth preservation, tax optimization, and estate planning. Our goal is to help you grow your wealth while aligning with your personal values and aspirations.

Estate Planning: Protecting Your Legacy in La Marque

In La Marque, where family ties run deep, estate planning is crucial for preserving your legacy. We collaborate with a team of professionals, including attorneys, trustees, and CPAs, to ensure your estate plan reflects your wishes and integrates seamlessly with your financial strategy.

Wealth Management: Aligning Investments with Your Values

Our wealth management services are grounded in conservative financial planning principles. We ensure that your investment portfolio aligns with your goals and values, providing peace of mind as you navigate the financial landscape of La Marque.

Settlement Planning: The Superior Choice

Even in the face of legal settlements, our financial planning and wealth management strategies often surpass the benefits of structured products. By letting the math guide our decisions, we help you achieve financial superiority, even after taxes.

Windfall and Lottery Planning: Transforming Wealth into Legacy

Whether you’re experiencing a financial windfall or have recently won the lottery, our strategic planning services help you integrate newfound wealth into your existing financial framework. We focus on tax planning, retirement strategies, and alternative investments to ensure lasting prosperity.

Tax Planning: Navigating Complex Tax Landscapes

Our tax planning services in La Marque address estate, gift, income, and capital gains taxes, providing a clear picture of optimal strategies. We work closely with CPAs to implement these strategies effectively, ensuring compliance and maximizing benefits.

Retirement and Exit Planning: Securing Your Future

As you approach retirement, our planning services help you transition smoothly, maximizing your business’s value and preserving your legacy. Our expertise ensures that your retirement years are as fulfilling as your working years.

401(k) Optimization: Maximizing Retirement Benefits

Our 401(k) optimization services ensure that your retirement account aligns with your broader financial goals. As a fiduciary Certified Financial Planner® professional, Amy Zamikovsky provides comprehensive advice on your entire financial picture.

Divorce Financial Planning: Navigating Life’s Transitions

In times of personal transition, such as divorce, our financial planning services offer guidance and support. We help you make informed decisions, ensuring financial independence and stability as you embark on your next chapter.

Personal Divorce Strategist: Your Advocate in La Marque

As your Personal Divorce Strategist, Amy Zamikovsky combines her legal and financial expertise to protect your interests. From asset valuation to wealth preservation, we ensure you never face critical decisions alone.

Inheritance Planning: Moving Forward with Confidence

In times of loss, our inheritance planning services provide the support you need to manage and administer estates effectively. We assemble a team of professionals to guide you through the process, ensuring compliance and peace of mind.

Our Expertise: Serving High-Net-Worth Clients Nationwide

While we proudly serve clients in La Marque, our expertise extends nationwide. We cater to high-net-worth families, business owners, medical professionals, and more, offering personalized financial strategies that transcend geographic boundaries.

Contact Us

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 achieve your financial goals in the City of La Marque and beyond.