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

Greetings to the vibrant community of the City of Liverpool! I’m Amy Zamikovsky, JD, CFP®, CPWA®, and I’m thrilled to introduce myself and my comprehensive financial advisory services to this historic and culturally rich city. Known for its iconic waterfront, the Beatles, and a deep-rooted maritime history, Liverpool is a city that embodies resilience and innovation—qualities that resonate deeply with my approach to wealth management and financial planning.

Our journey began with a commitment to building legacies for generations, a mission that aligns perfectly with Liverpool’s own legacy of innovation and cultural impact. As a fiduciary, I am legally and ethically bound to act in your best interests, ensuring that every financial decision we make together is tailored to your unique needs and aspirations.

In Liverpool, where the Mersey River meets the Irish Sea, we understand the local market’s unique dynamics and the importance of preserving wealth amidst a backdrop of economic transformation. Whether you’re navigating the bustling streets of the city center or enjoying the serene landscapes of nearby towns like Birkenhead and Southport, our services are designed to meet the diverse needs of Liverpool’s residents.

As a CERTIFIED FINANCIAL PLANNER® professional and Certified Private Wealth Advisor® professional, I bring over 15 years of expertise in wealth management, estate planning, and financial planning. My educational journey took me from a B.S. in Biology at Southeastern Louisiana University to a J.D. from the University of Houston Law Center, equipping me with a unique blend of analytical and legal skills. My time at Merrill Lynch was pivotal, where I earned my CFP® designation, followed by my CPWA® designation through the Yale School of Management.

Our financial advisory services are comprehensive, covering everything from estate planning to wealth management. We collaborate with a network of professionals, including attorneys, trustees, and CPAs, to ensure your estate plan aligns seamlessly with your financial goals. Our wealth management strategies are grounded in conservative financial planning, ensuring your portfolio reflects your values and objectives.

Settlement planning is another cornerstone of our services. We believe that financial planning and traditional wealth management often provide superior financial benefits compared to structured settlements, even after taxes. Our approach is data-driven, letting the numbers guide our decisions.

For those experiencing windfalls, such as lottery winnings, we offer strategic tax planning and retirement planning to integrate these gains into your broader financial picture. Our tax planning services address estate, gift, income, and capital gains taxes, providing a clear strategy for optimal financial outcomes.

Retirement planning is a personal passion of mine. Whether you’re preparing for retirement or already enjoying it, we offer tailored advice to navigate this significant life stage. Our exit planning services help you transition your business into a lasting legacy, maximizing value and minimizing taxes.

401(k) optimization is another area where we excel, ensuring your retirement account aligns with your financial goals and risk tolerance. As a fiduciary CFP® professional, I provide holistic advice, even for assets I don’t directly manage.

Divorce financial planning and personal divorce strategist services are areas where we offer specialized support. We guide you through the complexities of divorce, ensuring your financial independence and protecting your interests. Our approach is objective and fact-based, helping you make informed decisions during emotionally challenging times.

Inheritance planning is handled with the utmost sensitivity and care. We assist you in assembling a team of professionals to manage and administer estates effectively, regardless of jurisdiction.

Our firm specializes in portfolios exceeding $1 million, offering bespoke financial strategies that cater to high-net-worth individuals. While we proudly serve clients nationwide, including those with multiple residences and extensive travel schedules, our expertise is particularly relevant to the dynamic and diverse community of Liverpool.

Thank you for considering us as your trusted financial partner. We are honored to serve the City of Liverpool and look forward to building lasting legacies together. For appointments, please contact us at our Houston office, where we are available by appointment only.

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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 Liverpool with Attorney Amy Zamikovsky, JD, CFP®, CPWA®

Navigating the complexities of divorce can be challenging, especially when it comes to financial planning. In the vibrant City of Liverpool, known for its rich maritime history and cultural heritage, residents can benefit from the expertise of Attorney Amy Zamikovsky, JD, CFP®, CPWA®. While Amy is not currently practicing law in Liverpool, her extensive experience as a Senior Financial Advisor and Texas Attorney enables her to offer invaluable insights into divorce financial planning, tailored to meet the unique needs of Liverpool’s diverse community.

Divorce Financial Planning

At the heart of Liverpool, a city renowned for its iconic waterfront and musical legacy, we understand the financial concerns that accompany divorce. Our approach is rooted in empathy and expertise, drawing from our own experiences to provide compassionate guidance. We recognize that each client’s journey is unique, and we are committed to delivering expert-level financial planning services that resonate with the local community.

Fact-Finding

In Liverpool, where the Mersey River meets the Irish Sea, we begin by getting to know you—the real you. Our fact-finding process is thorough and compassionate, designed to help you fully understand your financial landscape. We delve into every detail that impacts your financial future, ensuring you have clarity and confidence during divorce negotiations. Your customized financial plan will serve as a robust foundation for building the future you deserve in this dynamic city.

Planning

The next chapter of your life begins here, in the heart of Liverpool. We craft personalized financial strategies that align with your unique goals, both current and future. Our meticulous planning process illuminates the possibilities in your new phase of life, helping you achieve financial independence. Whether you’re strolling through Sefton Park or exploring the historic Albert Dock, our strategies are designed to support your aspirations in this vibrant city.

Implementation

Turning plans into action is where real transformation begins. We collaborate with you and your trusted legal and financial professionals to streamline your financial life and put our strategies into motion. As your fiduciary, we ensure that every personalized recommendation is truly in your best interest. In Liverpool, a city that thrives on innovation and creativity, we are committed to helping you navigate your financial journey with confidence.

Introducing Amy Zamikovsky, JD, CFP®, CPWA®

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 later achieved 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 leverages her legal expertise to build customized financial strategies that efficiently build, preserve, and transfer wealth. She is passionate about educating and financially protecting the public, having developed and taught a State Bar of Texas CLE course on ethics, fiduciary duty, and legal settlement planning.

Our Commitment to Liverpool

While we are introducing our services to the City of Liverpool, it’s important to note that we represent clients around the world, including but not limited to Liverpool. Our office is located in Houston, Texas, and we are available by appointment only. We are committed to providing exceptional financial planning services to clients in Liverpool, helping them navigate the complexities of divorce with confidence and clarity.

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

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

In Liverpool, a city that has long been a beacon of trade and culture, we are here to support you in building a secure financial future. Whether you’re exploring the vibrant streets of the Baltic Triangle or enjoying the rich musical heritage of the Cavern Club, we are dedicated to helping you achieve your financial goals with precision and care.

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

Congratulations, City of Liverpool lottery winners! You’ve just unlocked a world of possibilities with your newfound fortune. While the excitement of winning can be overwhelming, it’s crucial to make informed decisions that will secure your financial future for generations to come. As a CERTIFIED FINANCIAL PLANNER® professional and Certified Private Wealth Advisor® professional with over 15 years of experience, I, Amy Zamikovsky, am here to guide you through this transformative journey with clarity and confidence.

Preserve Your Winnings

In the vibrant and historic City of Liverpool, known for its rich maritime heritage and cultural landmarks like the iconic Royal Albert Dock and the Beatles’ legacy, safeguarding your wealth is essential. Without proper financial strategies and legal structures, your millions could be at risk from taxes, 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 professionals, including attorneys, CPAs, and bankers
  • Maintain your privacy and security amidst the bustling city life
  • Manage incoming donation and investment requests with discretion

Plan for a Lifetime of Wealth

Your lottery win doesn’t have to be a fleeting moment of prosperity. With strategic planning, it can be 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, inspired by Liverpool’s forward-thinking spirit
  • 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, ensuring your legacy endures

Give with Confidence

If philanthropy is close to your heart, I am delighted to guide you in transforming one-time gifts into lasting charitable endeavors. With tools like donor-advised funds and family foundations, you can create a giving legacy that reflects your values and inspires future generations in Liverpool and beyond.

Enjoy Your Winnings

Now is the time to reward yourself and your loved ones. Whether it’s purchasing a dream home overlooking the River Mersey, exploring the world, or investing in a college fund, I’ll show you how to prudently allocate funds for your desires. 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. With over 15 years of experience as a CFP® professional and CPWA® professional, I have successfully guided high-net-worth clients through the intricacies of managing newfound fortunes. My background as an attorney 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’ll filter the noise, educate you on your options, and always prioritize your interests, allowing you to enjoy your spectacular windfall with 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 introduction to the City of Liverpool. While we are not located there, we proudly represent clients worldwide, including those in Liverpool.

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

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

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

Imagine the thrill of winning a major case in the vibrant City of Liverpool, a city renowned for its rich maritime history and cultural heritage. You’ve just secured a $1 million contingency fee, and a structured settlement broker suggests deferring your fee into a “tax-advantaged” annuity. It sounds appealing, but is it truly the wisest 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 meticulously 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 translates to a $370,000 tax bill if taken as a lump sum. It stings, 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 amplify 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 sheer wealth gap, a lump sum provides invaluable liquidity and leverage. Need funds for a lucrative investment or unexpected expense? You can access 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” that 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 devise 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’re in Liverpool and would 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, we are just introducing ourselves to the City of Liverpool, not implying that we’re located there or moving there, only that we represent clients around the world, including but not limited to Liverpool.

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

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

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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 Liverpool! We’re Here for You!

Welcome to the vibrant City of Liverpool, a place renowned for its rich maritime history, cultural heritage, and dynamic community spirit. As a city that has been a gateway to the world, Liverpool offers a unique blend of tradition and modernity, making it an ideal location for those seeking to manage and grow their wealth effectively. At Transform Wealth, we understand the distinct financial landscape of Liverpool and are here to provide you with expert guidance tailored to your needs.

Why Choose Tax-Planned Financial Planning in Liverpool?

In Liverpool, a city known for its entrepreneurial spirit and diverse economy, the importance of tax-planned financial planning cannot be overstated. Unlike structured settlements, which often offer limited flexibility, our approach focuses on the numbers that truly matter. By leveraging tax-planned strategies, we help you maximize your wealth potential, ensuring that every pound works harder for you. The math is clear: strategic financial planning offers superior benefits, and we are here to guide you through this process with precision and expertise.

Introducing Amy Zamikovsky, JD, CFP®, CPWA®

Amy Zamikovsky is a Senior Financial Advisor at Transform Wealth, bringing over 15 years of experience in wealth management, estate planning, and financial planning. With a background in law and finance, Amy is uniquely positioned to offer comprehensive financial strategies that align with your personal goals and values. Her expertise as a Certified Financial Planner® professional and Certified Private Wealth Advisor® professional ensures that you receive the highest level of service and guidance.

Our Services Tailored for Liverpool

Estate Planning

In Liverpool, where family and legacy are deeply valued, our estate planning services ensure that your wishes are honored and your wealth is preserved for future generations. We collaborate with your team of professionals, including attorneys and CPAs, to create a seamless estate plan that integrates with your overall financial strategy.

Wealth Management

Our wealth management services are rooted in sound, conservative financial planning. We understand the unique opportunities and challenges faced by Liverpool’s high-net-worth individuals and families. Our goal is to align your portfolio with your values and aspirations, ensuring that every investment decision is made with your best interests in mind.

Settlement Planning

Whether you’re navigating a legal settlement or exploring financial options, our settlement planning services offer clarity and confidence. We demonstrate how traditional financial planning and wealth management can provide greater financial benefits than structured products, even after taxes.

Windfall and Lottery Planning

Liverpool’s vibrant culture and community spirit make it a city of opportunity. If you’ve experienced a financial windfall or lottery win, we offer strategic planning to help you integrate this newfound wealth into your financial plan. Our expertise ensures that your assets are protected and your legacy is secured.

Tax and Retirement Planning

Navigating the complexities of taxes and retirement planning is crucial in Liverpool’s dynamic economic environment. Our tax planning services provide a clear picture of optimal strategies, while our retirement planning expertise supports you through every stage of life, ensuring a secure and fulfilling future.

Divorce Financial Planning and Personal Divorce Strategist

Divorce can be a challenging time, but with our divorce financial planning services, you have a dedicated advocate by your side. As your Personal Divorce Strategist, Amy combines her legal and financial expertise to protect your interests and guide you through the process with empathy and professionalism.

Inheritance Planning

In times of loss, our inheritance planning services offer compassionate support and expert guidance. We help you navigate the complexities of estate administration, ensuring that your loved one’s legacy is honored and preserved.

Our Expertise in Serving High-Net-Worth Clients

At Transform Wealth, we specialize in serving clients with portfolios exceeding £1 million. Our holistic approach to financial planning is designed to preserve and grow your wealth while aligning with your personal values and goals. Whether you’re a business owner, medical professional, or corporate executive, our customized strategies empower you to build a lasting legacy.

Nationwide Service with a Local Touch

While we proudly serve clients nationwide, our expertise extends far beyond borders. We understand the unique financial landscape of Liverpool and are committed to providing exceptional service to clients with multiple residences and those who travel extensively. Our office, located in Houston, Texas, is available by appointment, ensuring personalized attention and support.

For more information or to schedule a consultation, 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 and build a prosperous future in the City of Liverpool.