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

Greetings to the vibrant community of Pasadena! I’m Amy Zamikovsky, JD, CFP®, CPWA®, and I’m thrilled to introduce my wealth management and financial planning services to this remarkable city. Nestled in the heart of Southern California, Pasadena is renowned for its rich cultural heritage, iconic Rose Bowl, and the stunning beauty of the San Gabriel Mountains. As a city that values innovation and tradition, Pasadena is the perfect place to discuss building legacies for generations.

With over 15 years of experience in wealth management, estate planning, and financial planning, I bring a comprehensive approach to financial advisory services. My 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. These credentials empower me to craft personalized financial strategies that align with your goals and values.

In Pasadena, a city that thrives on community and collaboration, I understand the importance of addressing local market needs. Whether you’re navigating the bustling streets of Old Pasadena or enjoying the serene landscapes of the Arroyo Seco, my services are designed to meet the unique financial challenges and opportunities of this area. I am proud to be associated with esteemed organizations such as the Houston Association of Women Attorneys, Houston Estate and Financial Forum, and the National Association of Personal Financial Advisors (NAPFA).

As a fiduciary, I am legally and ethically committed to acting in your best interests. This dedication is reflected in my approach to financial planning, where I prioritize transparency, integrity, and personalized attention. I am honored to serve clients nationwide, including those with multiple residences and extensive travel schedules, ensuring that our expertise extends far beyond Pasadena.

For those experiencing life transitions, such as divorce, I offer specialized financial planning and personal divorce strategist services. My dual expertise as an attorney and Certified Financial Planner® professional allows me to provide unbiased advocacy and strategic guidance, ensuring your financial independence and peace of mind.

Our services encompass a wide range of financial planning needs:

  • Estate Planning: Collaborating with your team of professionals to ensure your estate plan aligns with your financial goals.
  • Wealth Management: Offering investment recommendations grounded in conservative financial planning principles.
  • Settlement Planning: Demonstrating the financial superiority of traditional wealth management over structured settlements.
  • Windfall Planning: Providing strategic tax planning and integration with existing finances during cash flow surges.
  • Lottery Planning: Transforming newfound wealth into a lasting legacy.
  • Tax Planning: Offering clear strategies for estate, gift, income, and capital gains taxes.
  • Retirement Planning: Supporting you through all stages of life with tailored retirement strategies.
  • Exit Planning: Maximizing business value and preserving your legacy through comprehensive financial planning.
  • 401(k) Optimization: Ensuring your retirement account aligns with your broader financial goals.
  • Divorce Financial Planning: Offering expert guidance for informed decision-making during divorce.
  • Inheritance Planning: Assisting with estate administration and management during times of loss.

Our firm specializes in portfolios exceeding $1 million, and we are dedicated to helping you achieve financial success. While our office is based in Houston, Texas, we are excited to extend our services to the Pasadena community, offering personalized financial solutions that reflect the unique character of this city.

For inquiries 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

Thank you for considering us as your trusted financial partner. We look forward to building a lasting legacy together in the City of Pasadena.

Pre-and-Post Divorce Financial Planning in the City of Pasadena 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 Pasadena, known for its rich cultural heritage and iconic landmarks like the Rose Bowl and the Norton Simon Museum, we understand the unique financial landscapes that residents face. Attorney Amy Zamikovsky, JD, CFP®, CPWA®, brings her extensive expertise to help you manage these challenges with precision and care.

Introducing Amy Zamikovsky, JD, CFP®, CPWA®

Amy Zamikovsky is a Senior Financial Advisor at Transform Wealth, with over 15 years of 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. Her credentials as a CERTIFIED FINANCIAL PLANNER® professional and a Certified Private Wealth Advisor® professional, earned through prestigious institutions like Merrill Lynch and the Yale School of Management, reflect her commitment to excellence. As a licensed attorney in Texas, Amy leverages her legal acumen to craft personalized financial strategies that build, preserve, and transfer wealth efficiently. Her passion for educating and 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

We understand your concerns. We don’t just work with clients like you – we’ve been there. Our approach to divorce financial planning is rooted in empathy and expertise, ensuring that you receive the guidance you need during this pivotal time. Here’s how we can help:

Fact-Finding

In the City of Pasadena, where the community values both tradition and innovation, we take the time to get to know you—the real you. Our thorough yet compassionate approach focuses on every detail impacting your financial future. We work to give you clarity and confidence during the financial negotiations of your divorce. Your customized financial plan will provide a strong foundation for building the future you deserve.

Planning

The next chapter of your life starts here. We craft customized financial strategies tailored to your unique goals, both current and future. In Pasadena, a city that thrives on creativity and progress, we work together to identify your short-term needs while building long-term financial independence. Our meticulous planning process sheds light on all that is possible in your new phase of life.

Implementation

Turning plans into action is how real transformation begins. We collaborate with you and all of your trusted legal and financial professionals to streamline your financial life and put our financial strategies into motion. As your fiduciary, we ensure that every personalized recommendation is truly in your best interest.

Why Choose Tax-Planned Financial Planning?

In Pasadena, where the cost of living and economic dynamics can be as diverse as its cultural offerings, choosing tax-planned financial planning is crucial. The benefits of such planning far outweigh those of structured settlements. By focusing on numbers, we provide clarity and assurance that your financial future is secure. The math decides, and we ensure that it works in your favor.

Our Commitment to Pasadena

While we are introducing ourselves to the City of Pasadena, we represent clients around the world, including but not limited to this vibrant city. Our commitment is to provide exceptional financial planning services that respect the unique needs and aspirations of Pasadena residents.

For personalized financial guidance, contact us by appointment at our Houston office:

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.

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

Congratulations, City of Pasadena 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, Amy Zamikovsky, am here to guide you through this transformative journey with confidence and clarity.

Preserve Your Winnings

In the vibrant community of Pasadena, known for its rich cultural heritage and the iconic Rose Bowl, safeguarding your wealth is crucial. Without the right legal frameworks 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 tax liabilities
  • Assemble a team of vetted professionals, including attorneys, CPAs, and bankers, to ensure robust financial management
  • Maintain your privacy and security amidst the public attention that often accompanies lottery wins
  • Manage incoming requests for donations and investments with a strategic approach

Plan for a Lifetime of Wealth

Your jackpot can be more than just a fleeting windfall; with astute 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, reflecting the unique character of Pasadena
  • Invest for optimal growth, income, and capital preservation, considering both local and global opportunities
  • Maximize tax efficiency through strategic accounts and asset allocation
  • Secure your retirement with income-generating investments tailored to your needs
  • Establish trusts and gifts that benefit future generations, ensuring your legacy endures

Give with Confidence

Pasadena is a city that values community and philanthropy. If giving back is important to you, I can guide you in transforming one-time gifts into lasting charitable vehicles. With tools like donor-advised funds and family foundations, you can create a giving legacy that aligns with your values and inspires future generations.

Enjoy Your Winnings

Now is the time to indulge in the dreams you’ve always had. Whether it’s a dream home nestled in the picturesque neighborhoods of Pasadena, a world tour, a college fund for your children, or that luxury car you’ve always desired, I’ll show you how to allocate funds wisely. With a balanced approach, you can enjoy your wealth while ensuring long-term financial health.

Why Trust Amy Zamikovsky?

Winning the lottery thrusts you into the complex world of sudden wealth, where one misstep could cost you dearly. You need a financial quarterback who understands the unique challenges of managing an overnight fortune and has a proven track record 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 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’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 prioritize your interests so you can 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 introduction to the City of Pasadena. Remember, we are just introducing ourselves to Pasadena, not implying that we’re located there or moving there, only that we represent clients around the world, including but not limited to Pasadena.

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

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

City of Pasadena 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 astute 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 equates to a $370,000 tax bill if taken as a lump sum. That’s a hefty amount. However, 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 striking. Even after paying $370,000 in taxes, you end up with $1-1.9 million more by taking the lump sum and investing it! And the benefits only increase 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 promising investment or an unexpected expense? You can access a securities-based loan. Banks won’t lend against deferred fees. Want to adjust your investments or estate plan? Unfortunately, your money is tied 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-savvy 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 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’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, we are just introducing ourselves to the City of Pasadena, 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 Pasadena.

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 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 Pasadena! We’re Here for You!

Welcome to the vibrant City of Pasadena, a community known for its rich cultural heritage, historic architecture, and a thriving local economy. Nestled in the heart of California, Pasadena is not only famous for its annual Rose Parade and the iconic Rose Bowl Stadium but also for its commitment to innovation and excellence. As we introduce our wealth management and financial planning services to this dynamic city, we aim to provide residents with the tools and strategies necessary to secure their financial futures.

Why Choose Tax-Planned Financial Planning?

In Pasadena, where the cost of living and real estate values can be significant, the importance of tax-planned financial planning cannot be overstated. Our approach focuses on the undeniable power of numbers—because, ultimately, the math decides. By prioritizing tax efficiency, we help you retain more of your hard-earned wealth, surpassing the financial benefits of structured settlements. Our strategies are designed to optimize your financial outcomes, ensuring that every dollar works harder for you.

Our Expertise: Where Legal Acumen Meets Customized Wealth Strategies

With over 15 years of experience, Amy Zamikovsky, JD, CFP®, CPWA®, brings a unique blend of legal expertise and financial acumen to the table. Our specialization in portfolios exceeding $1 million allows us to address the unique challenges and opportunities faced by high-net-worth individuals in Pasadena. Our holistic approach encompasses wealth management, tax optimization, and estate planning, all tailored to align with your personal goals and values.

Navigating Sensitive Financial Discussions

As an experienced attorney and fiduciary, Amy Zamikovsky is adept at guiding you and your family through sensitive financial discussions. Our customized strategies empower you to build a personal legacy with confidence, ensuring that your wealth is preserved and transferred according to your wishes.

Comprehensive Financial Services Tailored for Pasadena

  • Estate Planning: Collaborating with your team of professionals, we 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, ensuring your portfolio aligns with your goals and values.

  • Settlement Planning: We demonstrate how traditional financial planning often outperforms structured settlements, even after taxes, letting the math speak for itself.

  • Windfall Planning: Strategic tax planning and integration with existing finances are key to turning cash flow surges into lasting prosperity.

  • Lottery Planning: We provide the expertise to protect your newfound wealth and transform it into a lasting legacy.

  • Tax Planning: From estate to capital gains taxes, our strategies provide a clear path forward, working closely with CPAs for optimal implementation.

  • Retirement Planning: Whether preparing for retirement or already retired, we offer guidance through all life stages, ensuring your financial security.

  • Exit Planning: Our services help maximize your business’s value, minimize taxes, and preserve your legacy as you transition from your career.

  • 401(k) Optimization: We ensure your retirement account aligns with your broader financial goals, avoiding common pitfalls.

  • Divorce Financial Planning: We offer expert guidance to help you make informed decisions during divorce, creating a roadmap for financial independence.

  • Personal Divorce Strategist: As your advocate, we protect your interests with strategies for asset valuation, income planning, and wealth preservation.

  • Inheritance Planning: We assist in managing estates with compassion and expertise, ensuring your loved one’s legacy is honored.

Attracting High-Value Clients in Pasadena

Our services are tailored for high-net-worth families, business owners, medical professionals, estate executors, corporate executives, founders, professional athletes, inheritors, retirees, divorcees, and lottery winners. We are proud to serve clients nationwide, including those in Pasadena, who have multiple residences and travel extensively.

Connect with Us

While our office is located in Houston, Texas, we are dedicated to serving clients in Pasadena and beyond. To learn more about how we can help you achieve your financial goals, please contact us at:

Office Address (By Appointment Only):
820 Gessner Road
Houston, Texas 77024

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

Discover how our expertise can help you navigate the complexities of wealth management and financial planning in Pasadena. Let us be your trusted partner in building a secure and prosperous future.