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律师 Amy Zamikovsky, JD, CFP®, CPWA®：地球上的财富管理和财务规划
欢迎来到律师 Amy Zamikovsky, JD, CFP®, CPWA® 的世界，我们致力于“为世代建立遗产”。作为高级财务顾问和德克萨斯州律师，我为地球上的客户带来了超过 15 年的财富管理、遗产规划和财务规划的专业知识。我的旅程始于东南路易斯安那大学的生物学学士学位，随后获得了休斯顿大学法学院的法学博士学位。我的职业生涯因在美林的工作而得到丰富，在那里我获得了注册财务规划师®资格，并在耶鲁大学管理学院获得了认证私人财富顾问®资格以进一步提升我的技能。
我自豪地作为一个受托人，这一角色要求我以客户的最佳利益为出发点，尽最大努力和诚信来管理他们的资金和财产。这一承诺体现在我参与的著名组织中，如休斯顿女性律师协会、休斯顿遗产和财务论坛，以及休斯顿律师协会的遗嘱认证、信托和遗产及诉讼部门。此外，我还是全国个人财务顾问协会（NAPFA）的成员。
遗产规划
在遗产规划中，我们与包括律师、受托人、管理人员和注册会计师在内的专业团队合作，确保您的遗产计划符合您当前的愿望，并与您的财务计划无缝衔接。
财富管理
我们的财富管理服务植根于保守的财务规划。我们确保您的投资组合反映您的目标和价值观，并且每项投资都值得其位置。
和解规划
在和解规划方面，我们相信财务规划和传统的财富管理往往超过结构化产品的好处，即使在税后。我们让数字引导我们，确保为客户及其律师带来最有利的结果。
意外之财规划
意外之财为战略税务规划、退休规划和另类投资提供了独特的机会。我们帮助将这些激增融入您的现有财务框架，为持久的繁荣奠定基础。
彩票规划
如果幸运之神眷顾了您，我们会帮助将您新获得的财富转化为持久的遗产。我们的专业知识确保您、您的家人和您的资产得到保护。
税务规划
我们的税务规划服务涵盖遗产、赠与、收入和资本利得税，以及 Roth 转换。我们与注册会计师紧密合作，实施最佳策略，提供清晰、量化的前进路径。
退休规划
无论您是在为退休做准备还是已经享受退休生活，我们都为您提供个性化的指导，贯穿生活的每个阶段。我们的承诺是支持您在变老和变得更睿智的过程中，确保您的财务安全。
退出规划
我们的退出规划服务帮助您从多年的辛勤工作过渡到安全的未来。我们专注于最大化您业务的价值，最小化税收，并保留您的遗产。
401(k) 优化
我们优化您的 401(k) 以符合您的财务目标、风险承受能力和退休时间表。作为受托人 CFP® 专业人士，我为您的整体财务状况提供全面建议。
离婚财务规划
我们的离婚财务规划服务提供客观的指导，帮助您做出明智的决定，并为财务独立制定路线图。
个人离婚策略师
作为您的个人离婚策略师，我结合了我的法律和财务专业知识来保护您的利益。从资产估值到财富保护，我确保您不会独自面对关键决策。
继承规划
在失去的时刻，我们在这里帮助您前进。我们组建一支专业团队来管理和管理遗产，无论管辖权如何都提供支持。
我们公司的专业知识
我们专注于超过 100 万美元的投资组合，为全球客户提供量身定制的财务规划和财富管理服务，包括那些有多个住所和广泛旅行计划的客户。
当我们向地球介绍自己时，我们强调我们的服务是全球性的。我们很荣幸为来自各个城市和城镇的客户服务，确保在每次互动中都给予个人关注和关怀。
如需预约，请访问我们位于德克萨斯州休斯顿 Gessner 路 820 号，或通过电子邮件 contact@attorneyamycfp.com 或电话 (512) 537-2221 联系我们。我们期待与您共同建立您的遗产。
地球上的离婚前后财务规划与律师 Amy Zamikovsky, JD, CFP®, CPWA®
向地球介绍 Amy Zamikovsky, JD, CFP®, CPWA®
地球人们，大家好！我是 Amy Zamikovsky, JD, CFP®, CPWA®，Transform Wealth 的高级财务顾问，我很高兴将我的财务规划和财富管理专业知识扩展到这个美丽星球上的客户。凭借超过15年的经验，我专注于制定个性化的财务策略，以满足您的独特需求，尤其是在离婚前后财务规划的挑战时期。
离婚财务规划
离婚可能是一段动荡的旅程，但您并不孤单。我们理解您的担忧，因为我们也曾走过这条路。我们的方法植根于同情心和专业知识，确保您的财务未来安全而繁荣。让我们深入探讨我们的离婚财务规划服务的关键组成部分：
信息收集
我们的旅程从了解您开始——真正的您。我们相信全面了解您的财务状况至关重要。我们细致的信息收集过程深入探讨您财务状况的各个方面。我们旨在为您提供清晰和信心，让您在离婚的财务谈判中游刃有余。您定制的财务计划将成为您应得的未来的坚实基础。
规划
当您踏上人生的下一个篇章时，我们在此为您引导。我们量身定制的财务策略旨在与您的独特目标保持一致，无论是短期还是长期。我们合作识别您的短期需求，同时为实现长期财务独立铺平道路。我们详细的规划过程揭示了您新生活阶段的无限可能。
实施
真正的转变始于计划的实施。我们与您以及您信任的法律和财务专业人士一起简化您的财务生活。作为您的受托人，我们确保每一项个性化建议都真正符合您的最佳利益。我们的合作方法确保您的财务策略得到有效实施，为安全和繁荣的未来铺平道路。
税务规划财务规划的重要性
在财务规划领域，数字是真理的最终体现。我们强调税务规划财务规划和财富管理的重要性，这比结构化结算提供更优越的财务利益。通过关注数字，我们确保您的财务策略得到最大化优化。数学决定一切，我们在此引导您完成这一过程。
全球覆盖
虽然我们的办公室位于德克萨斯州休斯顿，但我们自豪地代表全球的客户，包括地球上的客户。我们致力于提供卓越的财务规划服务，超越地理界限。无论您在这个星球的何处，我们都在这里支持您。
联系信息
办公室地址（仅限预约）：
820 Gessner Road
Houston, Texas 77024
电子邮件: contact@attorneyamycfp.com
电话: (512) 537-2221
我们期待与您共同踏上这段旅程，提供您所需的专业知识和支持，以应对离婚财务规划的复杂性。我们将共同构建一个安全、繁荣且独一无二的未来。
地球彩票中奖者：通过律师Amy Zamikovsky, JD, CFP®, CPWA®的战略财富管理保障您的梦想。
恭喜，地球彩票中奖者！您刚刚中了头奖，您的生活即将以您只曾想象的方式发生改变。在这激动人心的时刻和突如其来的财富旋风中，您面临着将塑造您未来几代人财务安全的关键决策。作为一名认证财务规划师（CERTIFIED FINANCIAL PLANNER®）专业人士、认证私人财富顾问（Certified Private Wealth Advisor®）专业人士，以及拥有超过15年指导高净值人士经验的律师，我在此帮助您以信心和清晰度驾驭这个激动人心但又令人不知所措的时刻。
保全您的奖金
保护您新获得的财富至关重要。如果没有适当的法律结构和财务策略，您的数百万资产可能面临税收、诉讼、诈骗和管理不善的风险。作为您值得信赖的顾问，我将协助您：
- 创建信托和遗产计划以保护资产并减少税收
- 组建经过审查的律师、注册会计师和银行家团队
- 维护您的隐私和安全
- 管理收到的捐赠和投资请求
规划终身财富
您的头奖不必只是一次性的现金盛宴；通过精明的规划，它可以成为终身财富增长的种子。借助我作为CFP®专业人士和CPWA®专业人士的丰富经验，我将为您制定个性化的财富管理计划，帮助您：
- 定义您的短期和长期生活方式及遗产目标
- 投资以实现最佳增长、收入和资本保值
- 通过战略账户和资产配置最大化税收效率
- 通过产生收入的投资保障您的退休生活
- 为后代设立信托和礼物
自信地给予
如果慈善事业是您的优先事项之一，我将非常乐意指导您将一次性礼物转化为持久的慈善工具。通过合适的工具，如捐赠者建议基金和家庭基金会，您可以将您的价值观转化为影响，并建立一个激励家族世代的捐赠遗产。
享受您的奖金
现在是奖励自己和亲人的时候了！我会向您展示如何谨慎地拨出资金用于梦想之家、旅行、大学基金或您一直心仪的跑车。通过平衡的方法，您可以享受祝福的成果，同时保持长期财务健康的轨迹。
为什么信任Amy Zamikovsky？
中奖将您推入复杂的突如其来的财富世界，一次错误的举动可能意味着失去数百万。您需要一位了解驾驭一夜暴富独特挑战的财务指挥官，并且在高净值客户中有成功记录。
作为一名拥有超过15年经验的CFP®专业人士和CPWA®专业人士，我帮助无数个人和家庭将突如其来的财富转化为持久的财富。我的律师背景也使我能够制定牢不可破的法律策略，以保护您的资产免受潜在威胁。
从您领取奖金的那一刻起，我将作为您的个人首席财务官、投资专家和法律顾问陪伴您左右。我将过滤噪音，教育您了解您的选择，并始终将您的利益放在首位，以便您可以放松身心，安心享受您壮观的财富。
您最美好的一天可能就是今天
如果您手握一张金票，不要等待规划这个改变人生的事件。联系我们，进行一次免费的保密咨询，讨论我如何帮助您最大化奖金、最小化压力，并确保您应得的无忧未来。没有比今天更好的时间来为明天做计划。
我们将全程陪伴您。
这是我的位置。请记住，我们只是向地球介绍自己，并不意味着我们位于那里或将搬到那里，只是我们代表全球的客户，包括但不限于地球。
办公室地址
仅限预约
820 Gessner Road
Houston, Texas 77024
电子邮件： contact@attorneyamycfp.com
电话： (512) 537-2221
地球结构化律师费用：为什么推迟费用会花费数百万，即使在税后
你刚刚赢得了一场具有里程碑意义的案件，并获得了100万美元的或有费用。一个结构化和解经纪人建议将你的费用推迟到一个“税收优惠”的年金中。听起来很吸引人，但这真的是最佳的财务决策吗？在大多数情况下，答案是响亮的否定——即使对于处于最高税率的律师也是如此。这就是为什么精明的诉讼律师会与一名认证财务规划师（CERTIFIED FINANCIAL PLANNER®）专业人士合作，在做出决定之前分析数字。
推迟的真实成本
想象一下，你处于37%的联邦最高税率。对于100万美元的费用，如果一次性领取，那就意味着37万美元的税单。很痛苦，对吧？但让我们来比较一下将剩下的63万美元投资与将整个100万美元推迟20年：
情景1：投资63万美元一次性金额
- 6%的年回报率： 20年后200万美元
- 8%的年回报率： 20年后290万美元
情景2：将100万美元推迟为每年5万美元，持续20年
- 总支付： 100万美元
- 20年后的净结果： 100万美元
差异是惊人的。即使在支付了37万美元的税后，通过一次性领取并投资，你最终多得100万到190万美元！而且从长远来看，这只会变得更好。在30年内以8%的回报率，一次性金额在税后增长到640万美元，而推迟则为150万美元。
失去的机会和流动性
除了巨大的财富差距，一次性金额提供了无价的流动性和杠杆。需要资金用于有利可图的投资或意外开支？利用证券贷款。银行不会对推迟的费用提供贷款。想要调整你的投资或遗产计划？遗憾的是，你的钱被锁住了。
更高效的税收增长
结构化和解公司宣传的“免税增长”呢？通过战略规划，你可以在税后显著优于推迟：
- 最大化税前退休计划以税延增长资金
- 向Roth IRA贡献税后美元以实现免税增长
- 在账户类型之间有效分配资产
- 收获税收损失以抵消收益
- 利用较低的长期资本收益税率
一位熟练的认证财务规划师（CERTIFIED FINANCIAL PLANNER®），尤其是认证私人财富顾问（Certified Private Wealth Advisor®）专业人士，可以帮助你设计出比简单推迟方法更为聪明的税收策略。
隐藏费用
这是推迟的最后一个陷阱：隐藏的佣金。结构化和解经纪人通常会从中抽取4%以上。对于100万美元的费用，那就是你损失的4万美元——在30年内以8%的回报率，这笔金额可以增长到452,593美元！相比之下，你可以将你的一次性金额投资于低成本的指数基金，费用仅为其一小部分。
在没有专业分析的情况下不要推迟
在考虑结构化和解提案之前，请咨询一位经验丰富的认证财务规划师（CERTIFIED FINANCIAL PLANNER®）专业人士来模拟你的独特情境。很有可能，你会发现投资税后一次性金额的复利效应远远超过任何推迟的表面好处——即使在最高税率下也是如此。
如果你希望对即将到来的费用决策进行个性化的专业评估，请立即联系我们，看看我们如何帮助你最大化辛苦赚来的财富。
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联系信息
这是我的位置。请记住，我们只是向地球介绍自己，并不是暗示我们位于那里或将搬到那里，而是我们代表全球的客户，包括但不限于地球。
办公室地址：
仅限预约
820 Gessner Road
Houston, Texas 77024
电子邮件： contact@attorneyamycfp.com
电话： (512) 537-2221
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Amy Zamikovsky, JD, CFP®, CPWA® 是Transform Wealth的高级财务顾问，在财富管理、遗产规划和财务规划方面拥有超过15年的综合经验。她拥有路易斯安那州东南大学的生物学学士学位和休斯顿大学法学院的法学博士学位。在Merrill Lynch工作期间，Amy获得了认证财务规划师（CERTIFIED FINANCIAL PLANNER®）资格，并通过耶鲁管理学院获得了认证私人财富顾问（Certified Private Wealth Advisor®）资格。作为德克萨斯州的经验丰富的律师和法律顾问，Amy利用她的法律专业知识来建立定制的财务策略，以有效地建立、保存和转移财富。Amy热衷于教育和在财务上保护公众。她开发并教授德克萨斯州律师协会的继续法律教育课程，供对学习更多关于伦理、受托责任和法律和解规划感兴趣的律师学习。
15年以上的专业经验
CFP® 专业人士 & CPWA® 专业人士和持牌德克萨斯州律师
与律师 Amy Zamikovsky, JD, CFP®, CPWA® 一起前进：地球上的财富管理和财务规划！我们在这里为您服务！
欢迎来到一个财务规划与法律专业知识相结合的世界，就在地球上。当我们驾驭财富管理的复杂性时，理解税务规划财务策略相对于结构性和解的独特优势至关重要。数字不会说谎，数学明确支持一个结构良好的财务计划。
为什么选择税务规划财务计划？
税务规划财务计划不仅仅是一种策略；它是最大化您财富潜力的途径。通过关注数字，我们确保每一美元都为您更努力地工作。这种方法特别有利于超过 100 万美元的投资组合，在这里，风险更高，增长机会巨大。我们的整体策略旨在保护和增长您的财富，让您在享受生活的同时保障您的财务未来。
认识 Amy Zamikovsky, JD, CFP®, CPWA®
Amy Zamikovsky 是 Transform Wealth 的高级财务顾问，拥有超过 15 年的财富管理、遗产规划和财务规划经验。她拥有东南路易斯安那大学的生物学学士学位和休斯顿大学法学院的法学博士学位。Amy 的财务规划之旅始于美林，在那里她获得了 CERTIFIED FINANCIAL PLANNER® 认证。她通过获得耶鲁管理学院的 Certified Private Wealth Advisor® 认证进一步磨练了她的专业知识。
作为德克萨斯州的律师和法律顾问，Amy 的法律背景使她能够制定定制的财务策略，以高效地建立、保护和转移财富。她对教育和财务保护公众的热情体现在她开发和教授德克萨斯州律师协会 CLE 课程，重点关注伦理、受托责任和法律和解规划。
我们的专业服务
遗产规划
我们与您的专业团队合作，包括律师、受托人、管理员和注册会计师，以确保您的遗产计划与您的财务目标和当前愿望一致。我们全面的方法确保您的遗产得到保护并按预期执行。
财富管理
我们的投资建议以稳健、保守的财务规划为基础。我们确保您的投资组合反映您的目标和价值观，为您的财务未来提供坚实的基础。
和解规划
无论和解金额大小，传统的财务规划和财富管理通常优于结构性产品的好处。即使在税后，数学也支持我们的方法，确保最佳的财务结果。
意外之财和彩票规划
突然的财务收益为战略规划提供了独特的机会。无论是通过意外之财还是彩票中奖，我们都提供专家指导，将这些资金整合到您的整体财务计划中，确保持久的繁荣和安全的遗产。
税务和退休规划
我们的税务规划服务提供了从遗产和赠与税到罗斯转换的最佳策略的清晰、量化的图景。我们与注册会计师密切合作，有效实施这些策略。对于退休规划，我们在各个生命阶段提供个性化指导，确保安全和愉快的退休生活。
退出和 401(k) 优化规划
通过我们的退出规划服务，将您的商业成功转化为持久的财富。我们帮助最大化您的企业价值，同时最小化税收。我们的 401(k) 优化服务确保您的退休账户与您的财务目标一致，避免常见的陷阱和错失的机会。
离婚财务规划和个人离婚策略师
驾驭离婚需要专家指导。我们的离婚财务规划服务提供客观、知情的建议，帮助您评估和解选项并规划财务独立。作为您的个人离婚策略师，Amy 结合她的法律和财务专业知识来保护您的利益，确保您做出明智的决策。
遗产规划
在失去的时刻，我们在这里帮助您前进。我们的遗产规划服务组建了一支声誉良好的专业团队，有效管理和执行遗产，确保您所爱之人的遗产得到尊重。
我们公司的专业知识
我们专注于超过 100 万美元的投资组合，服务于高净值家庭、企业主、医疗专业人士、遗产执行人、高收入专业人士、企业高管、创始人、职业运动员、继承人、退休人员、离婚者和彩票中奖者。我们的服务遍及全国，适应拥有多个住所和广泛旅行的客户。
联系我们
我们很高兴将我们的服务引入地球，为包括该地点在内的全球客户提供服务。如需预约，请访问我们：
820 Gessner Road
Houston, Texas 77024
电子邮件：contact@attorneyamycfp.com
电话：(512) 537-2221
让我们在您的财务旅程中为您引路，确保您的财富得到最周到和专业的管理。
Attorney Amy Zamikovsky, JD, CFP®, CPWA®: Wealth Management and Financial Planning on Earth
Welcome to the world of Attorney Amy Zamikovsky, JD, CFP®, CPWA®, where we are dedicated to “Building Legacies for Generations.” As a Senior Financial Advisor and Texas Attorney, I bring over 15 years of expertise in wealth management, estate planning, and financial planning to clients across Earth. 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 path has been enriched by my time at Merrill Lynch, where I earned my CERTIFIED FINANCIAL PLANNER® designation, and further honed my skills with a Certified Private Wealth Advisor® designation from the Yale School of Management.
I am proud to be a fiduciary, a role that obligates me to act in the best interests of my clients, managing their money and property with the utmost care and integrity. This commitment is reflected in my involvement with esteemed 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. Additionally, I am a member of NAPFA, The National Association of Personal Financial Advisors.
Estate Planning
In estate planning, we collaborate with a team of professionals, including attorneys, trustees, administrators, and CPAs, to ensure your estate plan aligns with your current wishes and integrates seamlessly with your financial plan.
Wealth Management
Our wealth management services are rooted in conservative financial planning. We ensure that your portfolio reflects your goals and values, and that each investment has earned its place.
Settlement Planning
When it comes to settlement planning, we believe that financial planning and traditional wealth management often surpass the benefits of structured products, even after taxes. We let the numbers guide us, ensuring the most advantageous outcomes for our clients and their attorneys.
Windfall Planning
Windfalls present unique opportunities for strategic tax planning, retirement planning, and alternative investments. We help integrate these surges into your existing financial framework, laying the foundation for enduring prosperity.
Lottery Planning
If fortune has smiled upon you, we’re here to help transform your newfound wealth into a lasting legacy. Our expertise ensures that you, your family, and your assets remain protected.
Tax Planning
Our tax planning services cover estate, gift, income, and capital gains taxes, as well as Roth conversions. We work closely with CPAs to implement optimal strategies, providing a clear, quantified path forward.
Retirement Planning
Whether you’re preparing for retirement or already enjoying it, we offer personalized guidance through every stage of life. Our commitment is to support you as you grow older and wiser, ensuring your financial security.
Exit Planning
Our exit planning services help you transition from years of hard work to a secure future. We focus on maximizing your business’s value, minimizing taxes, and preserving your legacy.
401(k) Optimization
We optimize your 401(k) to align with your financial goals, risk tolerance, and retirement timeline. As a fiduciary CFP® professional, I provide comprehensive advice on your entire financial picture.
Divorce Financial Planning
Our divorce financial planning services offer objective guidance, helping you make informed decisions and create a roadmap for financial independence.
Personal Divorce Strategist
As your Personal Divorce Strategist, I combine my legal and financial expertise to protect your interests. From asset valuation to wealth preservation, I ensure you never face critical decisions alone.
Inheritance Planning
In times of loss, we’re here to help you move forward. We assemble a team of professionals to manage and administer estates, providing support regardless of jurisdiction.
Our Firm’s Expertise
We specialize in portfolios exceeding $1 million, offering tailored financial planning and wealth management services to clients worldwide, including those with multiple residences and extensive travel schedules.
While we introduce ourselves to Earth, we emphasize that our services extend globally. We are honored to serve clients from various cities and towns, ensuring personal attention and care in every interaction.
For appointments, please visit us at 820 Gessner Road, Houston, Texas 77024, or contact us via email at contact@attorneyamycfp.com or phone at (512) 537-2221. We look forward to building your legacy together.
Pre-and-Post Divorce Financial Planning on Earth with Attorney Amy Zamikovsky, JD, CFP®, CPWA®
Introducing Amy Zamikovsky, JD, CFP®, CPWA® to Earth
Greetings, Earthlings! I’m Amy Zamikovsky, JD, CFP®, CPWA®, a Senior Financial Advisor at Transform Wealth, and I am thrilled to extend my expertise in financial planning and wealth management to clients across this beautiful planet. With over 15 years of experience, I specialize in crafting personalized financial strategies that cater to your unique needs, particularly during the challenging times of pre-and-post-divorce financial planning.
Divorce Financial Planning
Divorce can be a tumultuous journey, but you are not alone. We understand your concerns because we’ve walked this path ourselves. Our approach is rooted in empathy and expertise, ensuring that your financial future is secure and prosperous. Let’s delve into the key components of our divorce financial planning services:
Fact-Finding
Our journey begins with understanding you—the real you. We believe that a comprehensive understanding of your financial landscape is crucial. Our meticulous fact-finding process involves a deep dive into every aspect of your financial situation. We aim to provide clarity and confidence as you navigate the financial negotiations of your divorce. Your customized financial plan will serve as a robust foundation for the future you deserve.
Planning
As you embark on the next chapter of your life, we are here to guide you. Our tailored financial strategies are designed to align with your unique goals, both immediate and long-term. We work collaboratively to identify your short-term needs while building a path toward long-term financial independence. Our detailed planning process illuminates the possibilities that lie ahead in your new phase of life.
Implementation
The true transformation begins when plans are put into action. We work alongside you and your trusted legal and financial professionals to streamline your financial life. As your fiduciary, we ensure that every personalized recommendation is genuinely in your best interest. Our collaborative approach ensures that your financial strategies are effectively implemented, paving the way for a secure and prosperous future.
The Importance of Tax-Planned Financial Planning
In the realm of financial planning, numbers hold the ultimate truth. We emphasize the importance of tax-planned financial planning and wealth management, which offer superior financial benefits compared to structured settlements. By focusing on the numbers, we ensure that your financial strategies are optimized for maximum benefit. The math decides, and we are here to guide you through it.
Global Reach
While our office is based in Houston, Texas, we proudly represent clients around the world, including those on Earth. Our commitment to providing exceptional financial planning services transcends geographical boundaries. We are here to support you, no matter where you are on this planet.
Contact Information
Office Address (By Appointment Only):
820 Gessner Road
Houston, Texas 77024
Email: contact@attorneyamycfp.com
Phone: (512) 537-2221
We look forward to embarking on this journey with you, providing the expertise and support you need to navigate the complexities of divorce financial planning. Together, we will build a future that is secure, prosperous, and uniquely yours.
Earth Lottery Winners: Secure Your Dreams with Strategic Wealth Management from Attorney Amy Zamikovsky, JD, CFP®, CPWA®.
Congratulations, Earth 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 whirlwind of sudden wealth, you’re faced with critical 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 am 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 at risk from taxes, lawsuits, scams, and mismanagement. As your trusted advisor, I will 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 will 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, such as 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 will show you how to prudently earmark funds for a dream home, travel, a college fund, or that sports car you’ve always had your eye on. With a balanced approach, you can savor the fruits of your blessings while staying on track for long-term financial health.
Why Trust Amy Zamikovsky?
Hitting the jackpot thrusts you into the complex world of sudden wealth, where one wrong move could mean losing millions. You need a financial quarterback who understands the unique challenges of navigating an overnight fortune and has a track record of success with high-net-worth clients.
As a CFP® professional and CPWA® professional with over 15 years of experience, I’ve helped countless individuals and families translate sudden windfalls into lasting wealth. My background as an attorney also allows me to craft ironclad legal strategies to protect your assets from potential threats.
From the moment you claim your prize, I’ll be by your side as your personal CFO, investment expert, and legal advocate. I’ll filter the noise, educate you on your options, and always place your interests first so you can relax and enjoy your spectacular windfall with total peace of mind.
Your Best Day Ever Could Be Today
If you’re holding a golden ticket, don’t wait to plan for this life-changing event. Contact me for a complimentary, confidential consultation to discuss how I can help you maximize your winnings, minimize your stress, and secure the carefree future you deserve. There’s no better time to start planning for tomorrow than today.
We’re here for you every step of the way.
This is my location. Remember that we are just introducing ourselves to Earth, not implying that we’re located there nor moving there, only that we represent clients around the world, including but not limited to Earth.
Office Address
BY APPOINTMENT ONLY
820 Gessner Road
Houston, Texas 77024
Email: contact@attorneyamycfp.com
Phone: (512) 537-2221
Earth Structured Attorney Fees: Why Deferral Costs Millions, Even After Taxes
You’ve just won a landmark case and secured 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 best financial decision? In most cases, the answer is a resounding no—even for attorneys in the highest tax bracket. 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
Imagine 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. Painful, right? 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 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 funds 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? Unfortunately, your money is locked up.
More Tax-Efficient Growth
What about the “tax-free growth” 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 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 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’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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Contact Information
This is my location. Remember that we are just introducing ourselves to Earth, not implying that we’re located there nor moving there, only that we represent clients around the world, including but not limited to Earth.
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.
15+ YEARS OF EXPERTISE
CFP® Professional & CPWA® Professional and Licensed Texas Attorney
Moving Forward with Attorney Amy Zamikovsky, JD, CFP®, CPWA®: Wealth Management and Financial Planning on Earth! We’re Here for You!
Welcome to a world where financial planning meets legal expertise, right here on Earth. As we navigate the complexities of wealth management, it’s essential to understand the unique benefits of tax-planned financial strategies over structured settlements. Numbers don’t lie, and the math decisively favors a well-structured financial plan.
Why Choose Tax-Planned Financial Planning?
Tax-planned financial planning is not just a strategy; it’s a pathway to maximizing your wealth’s potential. By focusing on the numbers, we ensure that every dollar works harder for you. This approach is particularly beneficial for portfolios exceeding $1 million, where the stakes are higher, and the opportunities for growth are vast. Our holistic strategies are designed to preserve and grow your wealth, allowing you to enjoy life while securing your financial future.
Meet 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 B.S. in Biology from Southeastern Louisiana University and a J.D. from the University of Houston Law Center, Amy’s journey in financial planning began at Merrill Lynch, where she earned her CERTIFIED FINANCIAL PLANNER® designation. She further honed her expertise by obtaining the Certified Private Wealth Advisor® designation from the Yale School of Management.
Amy’s legal background as an Attorney and Counselor at Law in Texas uniquely positions her to craft customized financial strategies that efficiently 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.
Our Specialty Services
Estate Planning
We collaborate with your team of professionals, including attorneys, trustees, administrators, and CPAs, to ensure your estate plan aligns with your financial goals and current wishes. Our comprehensive approach guarantees that your legacy is preserved and executed as intended.
Wealth Management
Our investment recommendations are grounded in sound, conservative financial planning. We ensure that your portfolio reflects your goals and values, providing a robust foundation for your financial future.
Settlement Planning
Regardless of settlement size, traditional financial planning and wealth management often surpass the benefits of structured products. Even after taxes, the math supports our approach, ensuring optimal financial outcomes.
Windfall and Lottery Planning
Sudden financial gains present unique opportunities for strategic planning. Whether through a windfall or lottery win, we offer expert guidance to integrate these funds into your broader financial plan, ensuring lasting prosperity and a secure legacy.
Tax and Retirement Planning
Our tax planning services provide a clear, quantified picture of optimal strategies, from estate and gift taxes to Roth conversions. We work closely with CPAs to implement these strategies effectively. For retirement planning, we offer personalized guidance through all life stages, ensuring a secure and enjoyable retirement.
Exit and 401(k) Optimization Planning
Transform your business success into lasting wealth with our exit planning services. We help maximize your business’s value while minimizing taxes. Our 401(k) optimization services ensure your retirement account aligns with your financial goals, avoiding common pitfalls and missed opportunities.
Divorce Financial Planning and Personal Divorce Strategist
Navigating divorce requires expert guidance. Our divorce financial planning services provide objective, informed advice, helping you evaluate settlement options and plan for financial independence. As your Personal Divorce Strategist, Amy combines her legal and financial expertise to protect your interests, ensuring you make well-informed decisions.
Inheritance Planning
In times of loss, we’re here to help you move forward. Our inheritance planning services assemble a team of reputable professionals to manage and administer estates effectively, ensuring your loved one’s legacy is honored.
Our Firm’s Expertise
Specializing in portfolios exceeding $1 million, we cater to 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 services extend nationwide, accommodating clients with multiple residences and extensive travel.
Contact Us
We’re excited to introduce our services to Earth, representing clients worldwide, including this location. For appointments, visit us at:
820 Gessner Road
Houston, Texas 77024
Email: contact@attorneyamycfp.com
Phone: (512) 537-2221
Let us guide you on your financial journey, ensuring your wealth is managed with the utmost care and expertise.
