Attorney Amy Zamikovsky, JD, CFP®, CPWA®: Wealth Management and Financial Planning in Seabrook

Welcome to the vibrant community of Seabrook, Texas, where the charm of coastal living meets the dynamic opportunities of the greater Houston area. As a Senior Financial Advisor and Texas Attorney, I am thrilled to introduce myself, Amy Zamikovsky, JD, CFP®, CPWA®, to this beautiful city. With over 15 years of experience in wealth management, estate planning, and financial planning, I am dedicated to helping individuals and families in Seabrook build legacies for generations.

Nestled along the shores of Clear Lake and Galveston Bay, Seabrook is known for its stunning waterfront views, bustling marinas, and a rich history that dates back to its founding in the late 19th century. This picturesque city is part of the Houston metropolitan area, offering residents the perfect blend of small-town charm and big-city amenities. With nearby attractions like the Kemah Boardwalk and NASA’s Johnson Space Center, Seabrook is a thriving community that values both tradition and innovation.

Understanding the unique needs of Seabrook’s residents, I am committed to providing personalized financial advisory services that reflect the values and aspirations of this community. Whether you’re a local business owner, a retiree enjoying the coastal lifestyle, or a family planning for the future, my goal is to offer tailored solutions that align with your financial goals.

As a CERTIFIED FINANCIAL PLANNER® professional and Certified Private Wealth Advisor® professional, I bring a wealth of knowledge and expertise to every client relationship. 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. My career has been enriched by my experiences at Merrill Lynch, where I earned my CFP® designation, and at the Yale School of Management, where I achieved my CPWA® designation.

In Seabrook, where the community values trust and integrity, I am proud to serve as a fiduciary, always acting in the best interests of my clients. My approach is rooted in the belief that financial planning should be both strategic and compassionate, ensuring that every decision is informed by both numbers and personal values.

Our services are designed to meet the diverse needs of Seabrook’s residents, from estate planning and wealth management to tax planning and retirement strategies. We work closely with a network of professionals, including attorneys, CPAs, and trustees, to ensure that your financial plan is comprehensive and effective.

For those experiencing life transitions, such as divorce or receiving an inheritance, we offer specialized services to guide you through these changes with confidence and clarity. As a Personal Divorce Strategist, I combine my legal expertise and financial planning skills to support clients in making informed decisions during challenging times.

Our commitment to Seabrook extends beyond individual services. We are proud members of professional organizations such as the Houston Association of Women Attorneys, the Houston Estate and Financial Forum, and the Houston Bar Association’s Probate, Trusts & Estates & Litigation sections. These affiliations reflect our dedication to staying at the forefront of industry knowledge and best practices.

While our expertise spans nationwide, we are particularly excited to engage with the Seabrook community, offering insights and strategies that are both locally relevant and globally informed. Whether you’re navigating the complexities of a windfall, optimizing your 401(k), or planning for a secure retirement, we are here to support you every step of the way.

At the heart of our practice is a deep appreciation for the trust our clients place in us. We are honored to be part of your financial journey, providing the personal attention and care that you deserve. Together, we can transform your wealth into a lasting legacy, ensuring that your financial future is as bright as the Seabrook sun.

For more information or to schedule an appointment, please contact us at our Houston office. We look forward to the opportunity to serve you and your family, helping you achieve your financial goals with confidence and peace of mind.

Pre-and-Post Divorce Financial Planning in the City of Seabrook 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 Seabrook, a charming coastal community known for its scenic beauty and vibrant maritime culture, residents can find solace in the expert guidance of Attorney Amy Zamikovsky, JD, CFP®, CPWA®. With over 15 years of experience in wealth management, estate planning, and financial planning, Amy brings a wealth of knowledge and a compassionate approach to those facing the financial intricacies of divorce.

Divorce Financial Planning

At the heart of Seabrook, where the community thrives on its close-knit relationships and local traditions, we understand the unique challenges that come with divorce. We don’t just work with clients like you – we’ve been there ourselves. This personal experience fuels our commitment to providing exceptional service and support.

Fact-Finding

Our process begins with getting to know you – the real you. In a city like Seabrook, where personal connections matter, we take the time to understand your individual circumstances and financial landscape. Our thorough and empathetic approach ensures that every detail impacting your financial future is considered. We aim to provide clarity and confidence during the financial negotiations of your divorce, empowering you to make informed decisions. Your customized financial plan will serve as a robust foundation for building the future you deserve.

Planning

The next chapter of your life starts here, in the serene surroundings of Seabrook. We craft personalized financial strategies tailored to your unique goals, both immediate and long-term. Our meticulous planning process illuminates the possibilities in your new phase of life, helping you achieve financial independence. By identifying your short-term needs and aligning them with your long-term aspirations, we ensure that your financial journey is as smooth as the gentle waves of Galveston Bay.

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 are committed to ensuring that every personalized recommendation is truly in your best interest. In Seabrook, where community support is a cornerstone, we stand by you every step of the way, providing the guidance and expertise you need to thrive.

Introducing Amy Zamikovsky, JD, CFP®, CPWA®

Amy Zamikovsky is a Senior Financial Advisor at Transform Wealth, with a distinguished career in wealth management 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 Certified Private Wealth Advisor® professional underscore her commitment to excellence. Amy’s legal expertise as an experienced Attorney and Counselor at Law in the State of Texas enables her 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 ethics, fiduciary duty, and legal settlement planning. Her dedication to empowering clients through education and strategic planning is evident in every aspect of her work.

Our Commitment to Seabrook

While we are introducing ourselves to the City of Seabrook, we want to emphasize that we represent clients around the world, including but not limited to this vibrant community. Our office, located at 820 Gessner Road in Houston, Texas, operates by appointment only, ensuring personalized attention for each client. We invite you to reach out to us via email at contact@attorneyamycfp.com or by phone at (512) 537-2221 to learn more about how we can assist you in achieving your financial goals.

In Seabrook, where the spirit of community and resilience is strong, we are here to support you through every step of your financial journey. Let us help you navigate the complexities of divorce with confidence and clarity, ensuring a brighter future ahead.

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

Congratulations, City of Seabrook 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, JD, CFP®, CPWA®?

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 Seabrook, 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 Seabrook.

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

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

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

You’ve just triumphed in a significant case, securing a $1 million contingency fee. 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 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. 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 remarkable. Even after paying $370,000 in taxes, you end up with $1 to $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 lucrative investment or unexpected expense? You can access a securities-based loan. Banks typically won’t lend against deferred fees. Want to adjust 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 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 Seabrook, 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 Seabrook.

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 Seabrook! We’re Here for You!

Welcome to Seabrook, a charming coastal city nestled along the shores of Galveston Bay in Texas. Known for its scenic beauty, vibrant community, and nautical heritage, Seabrook offers a unique blend of small-town charm and modern amenities. As we introduce our wealth management and financial planning services to this picturesque locale, we invite you to explore the benefits of working with Amy Zamikovsky, JD, CFP®, CPWA®, a seasoned professional with a wealth of experience in the financial sector.

Why Choose Tax-Planned Financial Planning in Seabrook?

In Seabrook, where the community thrives on both tradition and innovation, choosing tax-planned financial planning and wealth management can significantly enhance your financial well-being. Unlike structured settlements, which may offer limited flexibility, our approach focuses on the numbers—because they never lie. By leveraging tax-planned strategies, we help you maximize your financial potential, ensuring that your wealth grows and is preserved for future generations.

Our Specialization: Where Legal Expertise Meets Customized Wealth Strategies

At the heart of our services is a commitment to providing tailored financial planning solutions that address the unique challenges and opportunities of portfolios exceeding $1 million. Our holistic approach ensures that your wealth is not only preserved but also aligned with your personal goals and values. From wealth management to optimized tax and estate planning strategies, we are dedicated to helping you enjoy life while securing your financial future.

Guiding You Through Sensitive Financial Discussions

As an experienced attorney and fiduciary, Amy Zamikovsky is uniquely positioned to guide you and your family through sensitive financial discussions. Our customized strategies empower you to confidently build your ideal personal legacy, ensuring that your financial decisions are informed and aligned with your long-term objectives.

Introducing Amy Zamikovsky, JD, CFP®, CPWA® to Seabrook

Amy Zamikovsky, JD, CFP®, CPWA® 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 combines her legal and financial acumen to craft strategies that efficiently build, preserve, and transfer wealth. Her passion for education and financial protection is evident in her work, including the development of a State Bar of Texas CLE course on ethics, fiduciary duty, and legal settlement planning.

Comprehensive Financial Services Tailored for Seabrook

Our services extend beyond traditional financial planning, offering a range of solutions designed to meet the diverse needs of Seabrook residents:

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

Our Expertise in Serving High-Net-Worth Clients

We specialize in serving high-net-worth families, business owners, medical professionals, estate executors, corporate executives, and more. Our expertise extends nationwide, accommodating clients with multiple residences and extensive travel schedules. While we are introducing our services to Seabrook, our reach is global, ensuring that we can meet your financial needs wherever you are.

Contact Us

For personalized financial planning and wealth management services in Seabrook, contact us by appointment at:

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 secure your legacy.