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

Welcome to the City of Oyster Creek, a charming locale nestled in the heart of Brazoria County, Texas. Known for its close-knit community and rich cultural heritage, Oyster Creek is a place where tradition meets modernity, offering a unique blend of small-town warmth and big-city amenities. As we introduce Attorney Amy Zamikovsky, JD, CFP®, CPWA®, to this vibrant community, we are excited to share our story and the wealth of services we offer.

Building Legacies for Generations

At the core of our mission is the belief in building legacies that last for generations. With over 15 years of experience in wealth management, estate planning, and financial planning, Amy Zamikovsky brings a wealth of knowledge and expertise to the residents of Oyster Creek and beyond. 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. Amy’s dedication to financial excellence is further demonstrated by her CERTIFIED FINANCIAL PLANNER® and Certified Private Wealth Advisor® designations, earned through rigorous training at Merrill Lynch and the Yale School of Management, respectively.

Addressing Local Market Needs

Understanding the unique financial landscape of Oyster Creek and its surrounding areas, such as Lake Jackson and Freeport, is crucial. Amy Zamikovsky is committed to providing personalized financial advisory services that cater to the specific needs of this community. Whether you’re planning for retirement, managing an inheritance, or navigating the complexities of divorce, Amy’s fiduciary duty ensures that your best interests are always at the forefront.

Comprehensive Financial Services

Our services are designed to meet the diverse needs of our clients, from estate planning to wealth management. We collaborate with a network of professionals, including attorneys, trustees, and CPAs, to ensure that your financial plan aligns with your goals and values. Our approach to wealth management is rooted in conservative financial planning, ensuring that every investment recommendation is sound and purposeful.

Specialized Planning Services

In addition to traditional financial planning, we offer specialized services such as settlement planning, windfall planning, and lottery planning. These services are tailored to help you make the most of unexpected financial gains, with a focus on strategic tax planning and wealth preservation. Our expertise extends to tax planning, where we work closely with CPAs to optimize your tax strategies and maximize your financial outcomes.

Retirement and Exit Planning

Retirement planning is a key focus of our services, and we take pride in guiding clients through all stages of life. Whether you’re preparing for retirement or transitioning out of a business, our comprehensive financial planning services are designed to help you achieve your long-term goals. Our exit planning services are particularly valuable for business owners looking to maximize their business’s value and preserve their legacy.

Divorce Financial Planning and Personal Divorce Strategist

Divorce can be a challenging time, and our divorce financial planning services are here to provide the support and guidance you need. As your Personal Divorce Strategist, Amy Zamikovsky combines her legal expertise and financial acumen to protect your interests and help you make informed decisions. From asset valuation to income planning, we are committed to ensuring a fair and respectful dissolution process.

Inheritance Planning

In times of loss, we offer compassionate and professional inheritance planning services to help you navigate the complexities of estate administration. Our team is here to support you every step of the way, ensuring that your loved one’s legacy is honored and preserved.

Our Commitment to Excellence

Amy Zamikovsky is proud to be a member of esteemed organizations such as the Houston Association of Women Attorneys, Houston Estate and Financial Forum, and the Houston Bar Association. These affiliations reflect our commitment to maintaining the highest standards of professionalism and ethical conduct.

Serving Clients Nationwide

While we are thrilled to introduce our services to the City of Oyster Creek, our expertise extends far beyond this community. We proudly serve clients nationwide, offering financial planning and wealth management services to those with multiple residences and extensive travel needs.

Contact Us

We invite you to explore the possibilities of building a lasting legacy with us. Our office, located at 820 Gessner Road, Houston, Texas, is available by appointment only. For inquiries, please contact us at (512) 537-2221 or email contact@attorneyamycfp.com.

At Attorney Amy Zamikovsky, JD, CFP®, CPWA®, we are dedicated to providing personalized attention and care to each of our clients. We value the trust and opportunity given to us and look forward to serving the City of Oyster Creek with integrity and excellence.

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

Welcome to the City of Oyster Creek, a charming community nestled in Brazoria County, Texas. Known for its rich history and vibrant culture, Oyster Creek offers a unique blend of small-town charm and proximity to the bustling city life of Houston. As we introduce Attorney Amy Zamikovsky, JD, CFP®, CPWA®, to this community, we aim to provide specialized financial planning services tailored to the unique needs of Oyster Creek residents navigating the complexities of divorce.

Introducing Amy Zamikovsky, JD, CFP®, CPWA®

Amy Zamikovsky is a Senior Financial Advisor at Transform Wealth, bringing over 15 years of expertise 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’s educational background is as diverse as her professional experience. Her journey through the financial world includes earning the prestigious CERTIFIED FINANCIAL PLANNER® and Certified Private Wealth Advisor® designations, equipping her with the skills to craft sophisticated financial strategies.

As a licensed Texas Attorney, Amy leverages her legal acumen to develop customized financial strategies that effectively build, preserve, and transfer wealth. Her passion for educating and financially protecting the public is evident in her development and teaching of a State Bar of Texas CLE course focused on ethics, fiduciary duty, and legal settlement planning.

Divorce Financial Planning

Navigating the financial intricacies of divorce can be daunting, but with Amy Zamikovsky’s guidance, you can approach this life transition with clarity and confidence. Our approach is rooted in empathy and expertise, ensuring that your financial future is secure.

Fact-Finding

In the heart of Oyster Creek, we take the time to understand your unique circumstances. Our comprehensive fact-finding process delves into every aspect of your financial life, ensuring no detail is overlooked. By gaining a deep understanding of your financial picture, we empower you to make informed decisions during divorce negotiations. Our goal is to provide you with a customized financial plan that lays a solid foundation for the future you deserve.

Planning

Your new chapter begins here. We work closely with you to develop financial strategies that align with your personal goals, both immediate and long-term. By identifying your short-term needs and fostering long-term financial independence, we illuminate the possibilities that lie ahead in your new phase of life. Our meticulous planning process ensures that every financial decision is made with your best interests in mind.

Implementation

The transformation from planning to action is where real change occurs. We collaborate with you and your trusted legal and financial professionals to streamline your financial life and implement our strategies. As your fiduciary, we are committed to ensuring that every recommendation is tailored to your unique needs and goals.

Serving the City of Oyster Creek

While we are not physically located in Oyster Creek, our commitment to serving clients in this community is unwavering. We represent clients around the world, including those in Oyster Creek, providing expert financial planning services that transcend geographic boundaries.

For those in Oyster Creek seeking a trusted advisor to navigate the financial complexities of divorce, Amy Zamikovsky, JD, CFP®, CPWA®, is here to guide you every step of the way. Our office is located at 820 Gessner Road, Houston, Texas 77024, and consultations are available by appointment only. Reach out to us via email at contact@attorneyamycfp.com or call (512) 537-2221 to begin your journey toward financial clarity and independence.

In the City of Oyster Creek, where community values and personal connections are cherished, we are honored to offer our expertise and support to those embarking on a new chapter in their lives.

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

Congratulations, City of Oyster Creek 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 the whirlwind of sudden wealth, you face crucial decisions that will shape your financial security for generations to come. As a CERTIFIED FINANCIAL PLANNER® professional, Certified Private Wealth Advisor® professional, and an 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 of utmost importance. Without proper legal structures and financial strategies, your millions could be vulnerable 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 introduction to the City of Oyster Creek. Remember, we are just introducing ourselves to this vibrant community, 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 Oyster Creek.

Office Address

BY APPOINTMENT ONLY
820 Gessner Road
Houston, Texas 77024

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

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

You’ve just won a major case in the City of Oyster Creek and secured 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 best financial move? In most cases, the clear answer is no—even for attorneys in the highest tax bracket. Here’s why smart trial lawyers work with a Certified Financial Planner® (CFP®) to crunch 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’s a $370,000 tax bill if taken as a lump sum. Ouch. But now let’s compare investing the remaining $630,000 versus deferring the full $1 million over 20 years:

Scenario 1: Invest $630,000 Lump Sum

  • 6% annual return: $2.0 million in 20 years
  • 8% annual return: $2.9 million in 20 years

Scenario 2: Defer $1 Million as $50,000/Year for 20 Years

  • Total payments: $1 million
  • Net result after 20 years: $1 million

The difference is staggering. Even after paying $370,000 in taxes, you end up with $1-1.9 million more by taking the lump sum and investing! And it only gets better long-term. 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 money for a lucrative investment or unexpected expense? Tap a securities-based loan. Banks won’t lend against deferred fees. Want to pivot your investments or estate plan? Tough luck—your money is locked up.

More Tax-Efficient Growth

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

  • Max out 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 CFP®, especially a Certified Private Wealth Advisor® (CPWA®), can help you engineer a far more tax-smart approach than the blunt deferral method.

The Hidden Fees

Here’s one last deferral pitfall: hidden commissions. Structured settlement brokers often take 4%+ 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 entertaining a structured settlement proposal, engage an experienced CFP® 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.

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About 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 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.

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Contact Information

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

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

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

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

Welcome to the City of Oyster Creek, a charming community nestled in the heart of Brazoria County, Texas. Known for its rich history and close-knit community, Oyster Creek offers a unique blend of small-town charm and modern amenities. As we introduce our wealth management and financial planning services to this vibrant locale, we are excited to bring our expertise to the residents of Oyster Creek and beyond.

Why Choose Tax-Planned Financial Planning and Wealth Management?

In today’s complex financial landscape, the importance of tax-planned financial planning cannot be overstated. At the core of our philosophy is the belief that numbers never lie. By focusing on the math, we empower our clients to make informed decisions that maximize their financial potential. Our approach to wealth management is far superior to the financial benefits of structured settlements, providing a clear path to financial security and growth.

Our Specialization: Where Legal Expertise Meets Customized Wealth Strategies

With over 15 years of experience, Amy Zamikovsky, JD, CFP®, CPWA®, brings a wealth of knowledge to the table. As a Senior Financial Advisor at Transform Wealth, Amy combines her legal expertise with her financial acumen to offer customized wealth strategies that cater to portfolios exceeding $1 million. Our holistic approach ensures that your wealth is not only preserved but also grows in alignment with your personal goals and values.

Tailored Services for the City of Oyster Creek

We understand the unique challenges and opportunities that come with managing significant wealth. Our services are designed to address these needs with precision and care. From estate planning to tax optimization, we work closely with your team of professionals to ensure that every aspect of your financial plan is seamlessly integrated.

Estate Planning

Our estate planning services are designed to reflect your current wishes and work in harmony with your financial plan. We collaborate with attorneys, trustees, administrators, and CPAs to ensure that your estate is managed effectively and efficiently.

Wealth Management

Every investment recommendation we make is grounded in sound, conservative financial planning. We ensure that your portfolio reflects your goals and values, providing a solid foundation for future growth.

Settlement Planning

Financial planning and traditional wealth management often provide greater financial benefits than structured products, even after taxes. We let the math speak for itself, offering clear, actionable insights for clients and plaintiff’s attorneys alike.

Windfall and Lottery Planning

Whether you’re dealing with a sudden cash flow surge or a lottery win, our strategic planning services help you integrate these windfalls into your broader financial picture. We provide guidance on tax planning, retirement planning, and alternative investments to ensure lasting prosperity.

Tax and Retirement Planning

Our tax planning services offer a clear, quantified picture of optimal strategies moving forward. We work hand in hand with CPAs to ensure proper implementation, whether it’s estate taxes, gift taxes, or Roth conversions. Our retirement planning services cater to clients at all stages of life, helping you navigate the complexities of retirement with confidence.

Exit and 401(k) Optimization Planning

Our exit planning services help you transform years of hard work into a lasting legacy. We work to maximize your business’s value, minimize taxes, and preserve your legacy. Our 401(k) optimization services ensure that your retirement account aligns with your broader financial goals, risk tolerance, and retirement time horizon.

Divorce Financial Planning and Personal Divorce Strategist Services

Divorce can be a challenging time, but with our expert guidance, you can make informed decisions that protect your financial future. As your Personal Divorce Strategist, Amy combines her expertise as both an attorney and Certified Financial Planner® professional to advocate for your best interests every step of the way.

Inheritance Planning

We understand the complexities of inheritance planning and are here to help you navigate this challenging time. Our team works with you to assemble a reputable team of professionals to effectively administer and manage an estate, ensuring that your wishes are honored.

Our Expertise: Specializing in >$1M+ Portfolios

We proudly serve a diverse clientele, including high-net-worth families, business owners, medical professionals, estate executors, high-earning professionals, corporate executives, founders, professional athletes, inheritors, retirees, divorcees, and lottery winners. Our expertise extends far beyond the City of Oyster Creek, allowing us to provide exceptional service to clients nationwide.

Contact Us

We invite you to explore the possibilities of working with Amy Zamikovsky, JD, CFP®, CPWA®. Our office is located at 820 Gessner Road, Houston, Texas 77024, and we are available by appointment only. For inquiries, please email us at contact@attorneyamycfp.com or call (512) 537-2221.

As we introduce ourselves to the City of Oyster Creek, we look forward to building lasting relationships and helping you achieve your financial goals. Whether you’re planning for the future or navigating life’s transitions, we’re here to guide you every step of the way.