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

Welcome to the vibrant and diverse state of Florida, where the sun shines bright and opportunities abound. As a Senior Financial Advisor and Texas Attorney, I am thrilled to introduce myself, Amy Zamikovsky, JD, CFP®, CPWA®, to the wonderful communities across Florida. With over 15 years of experience in wealth management, estate planning, and financial planning, I am dedicated to building legacies for generations.

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 shaped by a passion for financial education and protection, leading me to earn the CERTIFIED FINANCIAL PLANNER® and Certified Private Wealth Advisor® designations. These credentials empower me to craft personalized financial strategies that effectively build, preserve, and transfer wealth.

Florida, known for its beautiful beaches, vibrant cities like Miami, Orlando, and Tampa, and a rich cultural tapestry, presents unique financial needs and opportunities. Whether you’re navigating the bustling streets of Miami or enjoying the serene landscapes of the Florida Keys, my financial advisory services are tailored to meet the diverse needs of Floridians. I understand the importance of local culture and am committed to providing financial planning services that resonate with the values and aspirations of Florida’s residents.

As a fiduciary, I have a legal and ethical obligation to act in your best interests, ensuring that every financial decision is made with care and precision. My commitment to you is rooted in trust and transparency, as I work closely with your team of professionals, from attorneys to CPAs, to ensure your financial plan aligns with your goals.

In Florida, where the real estate market is dynamic and the economy is ever-evolving, my wealth management services are designed to help you navigate these complexities. Every investment recommendation is grounded in sound, conservative financial planning, ensuring your portfolio reflects your goals and values.

For those experiencing life changes, such as divorce or receiving a windfall, my services extend to divorce financial planning and windfall planning. As your Personal Divorce Strategist, I provide unbiased advocacy, combining my expertise as both an attorney and Certified Financial Planner® professional to protect your interests.

In addition to these services, I offer comprehensive tax planning, retirement planning, and 401(k) optimization. My approach is holistic, ensuring that all aspects of your financial life are considered and optimized for success.

I am proud to be affiliated with esteemed organizations such as the Houston Association of Women Attorneys, Houston Estate and Financial Forum, and the National Association of Personal Financial Advisors. These affiliations reflect my commitment to professional excellence and continuous learning.

Whether you’re planning for retirement, managing an inheritance, or optimizing your 401(k), my goal is to provide you with the tools and guidance needed to achieve financial independence and peace of mind. I am honored to serve clients nationwide, including those with multiple residences and extensive travel schedules, bringing a wealth of expertise to Florida’s diverse communities.

Thank you for considering my services. I am truly grateful for the opportunity to work with you and look forward to helping you build a lasting legacy in the Sunshine State.

Pre-and-Post Divorce Financial Planning in Florida with Attorney Amy Zamikovsky, JD, CFP®, CPWA®

Navigating the financial intricacies of divorce can be daunting, especially in a state as diverse and vibrant as Florida. Known for its beautiful beaches, bustling cities, and rich cultural tapestry, Florida presents unique financial considerations that require expert guidance. Here, we introduce Attorney Amy Zamikovsky, JD, CFP®, CPWA®, a seasoned professional with over 15 years of experience in wealth management, estate planning, and financial planning. Although Amy is a licensed attorney in Texas, her expertise in financial planning transcends state lines, offering invaluable insights to those in Florida seeking clarity and confidence in their financial futures.

Divorce Financial Planning

At the heart of our services is a deep understanding of the emotional and financial complexities that accompany divorce. We don’t just work with clients like you – we’ve been there. Our approach is rooted in empathy and expertise, ensuring that every client receives the personalized attention they deserve.

Fact-Finding

In Florida, where the cost of living varies significantly from Miami to Tallahassee, understanding your financial landscape is crucial. 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. By delving into your unique circumstances, we help you gain 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. Florida’s diverse economy, from tourism to agriculture, offers a wealth of opportunities for financial growth. We craft customized financial strategies tailored to your unique goals, both current and future. We work together to identify your short-term needs while working to build long-term financial independence. Our meticulous planning process sheds light on all that is possible in your new phase of life, ensuring that you are well-prepared to seize opportunities as they arise.

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. In Florida, where regulations and tax implications can vary, our expertise in tax-planned financial planning and wealth management becomes invaluable. We emphasize the importance and benefits of choosing these strategies over structured settlements, as the numbers never lie. The math decides.

Introducing Amy Zamikovsky, JD, CFP®, CPWA®

Amy Zamikovsky is a Senior Financial Advisor at Transform Wealth, holding a B.S. in Biology from Southeastern Louisiana University and a J.D. from the University of Houston Law Center. Her journey in financial planning began at Merrill Lynch, where she earned her CERTIFIED FINANCIAL PLANNER® designation. She further honed her skills by obtaining the Certified Private Wealth Advisor® designation through the Yale School of Management. As an experienced Attorney and Counselor at Law in Texas, Amy leverages 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. Her dedication to financial education and protection is a testament to her commitment to her clients, ensuring they are equipped with the knowledge and tools needed to navigate their financial journeys confidently.

Conclusion

In Florida, where the sun shines bright and opportunities abound, having a trusted financial advisor like Amy Zamikovsky by your side can make all the difference. Her expertise in pre-and-post divorce financial planning, combined with her commitment to personalized service, ensures that you are well-prepared to face the future with confidence. Whether you’re navigating the complexities of divorce or planning for a prosperous future, Amy’s approach is rooted in empathy, expertise, and a deep understanding of your unique needs. Let us help you build the future you deserve.

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

Congratulations, Florida Lottery Winners!

You’ve just experienced a life-altering moment, hitting the jackpot in the Sunshine State! As you stand on the brink of a new chapter, filled with endless possibilities, it’s crucial to make informed decisions that will safeguard your financial future. I’m Amy Zamikovsky, a CERTIFIED FINANCIAL PLANNER® professional and Certified Private Wealth Advisor® professional, with over 15 years of experience in guiding high-net-worth individuals through the complexities of sudden wealth. I’m here to help you navigate this exhilarating yet overwhelming time with confidence and clarity.

Preserve Your Winnings

In Florida, where the allure of beaches and vibrant culture meets the reality of taxes and financial pitfalls, protecting your newfound wealth is essential. Without proper legal structures and financial strategies, your millions could be at risk. As your trusted advisor, I’ll help you:

Create a Trust and Estate Plan: Protect your assets and minimize taxes with a comprehensive plan tailored to Florida’s unique tax landscape.
Assemble a Team of Experts: I’ll connect you with vetted attorneys, CPAs, and bankers who understand the nuances of Florida’s financial environment.
Maintain Privacy and Security: In a state known for its tourism and transient population, safeguarding your privacy is paramount.
Manage Donation and Investment Requests: Navigate the influx of requests with a strategic approach that aligns with your financial goals.

Plan for a Lifetime of Wealth

Your Florida jackpot doesn’t have to be a fleeting windfall. With savvy planning, it can be the foundation for lifelong prosperity. 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 Goals: Whether it’s enjoying the vibrant nightlife of Miami or retiring in the tranquil Keys, we’ll outline your short and long-term lifestyle and legacy aspirations.
Invest for Growth: Leverage Florida’s dynamic real estate market and other investment opportunities for optimal growth, income, and capital preservation.
Maximize Tax Efficiency: Utilize strategic accounts and asset allocation to navigate Florida’s tax advantages.
Secure Your Retirement: Plan for a comfortable retirement with income-generating investments tailored to your needs.
Establish Trusts and Gifts: Ensure future generations benefit from your wealth with well-structured trusts and gifts.

Give with Confidence

If philanthropy is close to your heart, I’m here to guide you in transforming one-time gifts into lasting charitable legacies. With tools like donor-advised funds and family foundations, you can create a giving legacy that reflects your values and inspires your family for generations.

Enjoy Your Winnings

Now is the time to reward yourself and your loved ones! Whether it’s a dream home in Naples, a yacht for exploring the Gulf Coast, or a college fund for your children, I’ll show you how to prudently allocate funds for these dreams. With a balanced approach, you can enjoy the fruits of your blessings while ensuring long-term financial health.

Why Trust Amy Zamikovsky?

Navigating the complexities of sudden wealth requires a seasoned financial quarterback. As a CFP® professional and CPWA® professional with over 15 years of experience, I’ve helped countless individuals and families turn windfalls into lasting wealth. My background as an attorney allows 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 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.

Florida Structured Attorney Fees: Why Deferral Costs Millions, Even After Taxes

You’ve just triumphed in a significant legal case 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 decision? For most attorneys, even those in the highest tax bracket, the answer is a resounding no. Here’s why savvy trial lawyers in Florida partner with a CERTIFIED FINANCIAL PLANNER® professional to meticulously analyze the numbers before making a decision.

The True Cost of Deferral

Consider this: you’re in the top federal tax bracket of 37%. On a $1 million fee, that translates to a $370,000 tax bill if you take it 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 astonishing. Even after paying $370,000 in taxes, you end up with $1-1.9 million more by taking the lump sum and investing! And it only gets better in the long run. Over 30 years at 8%, the lump sum grows to $6.4 million after tax versus $1.5 million with deferral.

Lost Opportunity and Liquidity

Beyond the sheer wealth gap, a lump sum provides invaluable liquidity and leverage. Need funds for a lucrative investment or unexpected expense? You can tap into a securities-based loan. Banks won’t lend against deferred fees. Want to pivot your investments or estate plan? Unfortunately, your money is locked up.

More Tax-Efficient Growth

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

Maximize pre-tax retirement plans to grow funds tax-deferred
Contribute after-tax dollars to a Roth IRA for tax-free growth
Allocate assets tax-efficiently among account types
Harvest tax losses to offset gains
Capitalize on the lower long-term capital gains rate

A skilled CERTIFIED FINANCIAL PLANNER® professional, especially a Certified Private Wealth Advisor® professional, can help you engineer a far more tax-smart approach than the blunt deferral method.

The Hidden Fees

Here’s another pitfall of deferral: hidden commissions. Structured settlement brokers often take 4% or more off the top. On a $1 million fee, that’s $40,000 of your money lost—an amount that could grow to $452,593 over 30 years at 8%! In contrast, you can invest your lump sum in low-cost index funds for a fraction of the fees.

Don’t Defer Without Professional Analysis

Before considering a structured settlement proposal, engage an experienced CERTIFIED FINANCIAL PLANNER® professional to model your unique scenario. Chances are, you’ll find the compounding effect of investing your after-tax lump sum far outweighs any perceived benefits of deferral—even in the highest tax bracket.

If you’re in Florida and would like a personalized professional assessment of an upcoming fee decision, contact Attorney Amy Zamikovsky, JD, CFP®, CPWA®. With over 15 years of expertise in wealth management, estate planning, and financial planning, Amy is passionate about educating and financially protecting the public. She uses her legal expertise to build customized financial strategies that efficiently build, preserve, and transfer wealth. Reach out today to see how we can help you maximize your hard-earned wealth.

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

Welcome to the Sunshine State, where the vibrant culture and dynamic economy of Florida offer unique opportunities for wealth management and financial planning. At the heart of this thriving environment, Attorney Amy Zamikovsky, JD, CFP®, CPWA®, stands ready to guide you through the complexities of financial growth and preservation. With over 15 years of experience, Amy combines her legal acumen and financial expertise to craft strategies that are not only tailored to your needs but also aligned with Florida’s distinct economic landscape.

The Power of Tax-Planned Financial Planning

In Florida, where the absence of state income tax presents unique financial planning opportunities, the importance of tax-planned financial strategies cannot be overstated. Amy Zamikovsky emphasizes the superiority of these strategies over structured settlements, focusing on the undeniable clarity that numbers provide. The math is our guide, ensuring that every decision is rooted in financial logic and aimed at maximizing your wealth.

Customized Wealth Strategies for Florida’s High-Net-Worth Individuals

Our specialization in financial planning is where legal expertise meets customized wealth strategies. We cater to the unique challenges and opportunities faced by portfolios exceeding $1 million. Our holistic approach is designed to help you preserve and grow your wealth while enjoying the lifestyle that Florida offers. From wealth management to optimized tax and estate planning strategies, our personalized solutions are crafted to align with your priorities, goals, and values.

Guiding You Through Sensitive Financial Discussions

As an experienced attorney and fiduciary, Amy Zamikovsky is uniquely positioned to guide you and your family through the sensitive yet necessary discussions surrounding financial planning. Our customized strategies empower you to confidently build your ideal personal legacy, ensuring that your wealth is preserved for future generations.

Estate Planning: A Collaborative Approach

In Florida, where estate planning is crucial due to the state’s unique property laws and tax considerations, we work closely with your team of professionals. From attorneys to trustees and CPAs, we ensure that your estate plan reflects your current wishes and integrates seamlessly with your financial plan.

Wealth Management: Aligning Investments with Your Values

Every investment recommendation we make is based on sound, conservative financial planning. We ensure that the holdings in your portfolio represent your goals and values, earning their place through rigorous analysis and strategic alignment.

Settlement Planning: Letting the Math Speak

Whether you’re a client or a plaintiff’s attorney, our settlement planning services demonstrate that financial planning and traditional wealth management often surpass the benefits of structured products, even after taxes. We let the math speak for itself, providing clear, actionable insights.

Windfall and Lottery Planning: Transforming Wealth into Legacy

Florida’s vibrant lottery culture and frequent windfalls present unique opportunities for strategic financial planning. Our expertise ensures that your newfound wealth is protected and transformed into a lasting legacy, benefiting you and your family for generations to come.

Comprehensive Tax Planning

From estate taxes to Roth conversions, our tax planning services provide a clear, quantified picture of optimal strategies moving forward. We collaborate with CPAs to ensure proper implementation, maximizing your financial benefits in Florida’s tax-friendly environment.

Retirement and Exit Planning: Securing Your Future

Whether you’re preparing for retirement or planning your business exit, our comprehensive services help you maximize value, minimize taxes, and preserve your legacy. Our experience with Florida’s diverse economic landscape ensures that your retirement is as rewarding as your career.

401(k) Optimization: Maximizing Your Retirement Benefits

Our 401(k) optimization services help you make the most of your employer-sponsored retirement account, ensuring alignment with your broader financial goals and risk tolerance. As a fiduciary Certified Financial Planner® professional, Amy provides advice on your entire financial picture.

Divorce Financial Planning and Personal Divorce Strategist Services

In Florida, where divorce laws can significantly impact financial outcomes, our divorce financial planning services offer expert guidance. As your Personal Divorce Strategist, Amy combines her legal and financial expertise to protect your best interests, ensuring informed, objective decisions.

Inheritance Planning: Navigating Complex Transitions

In times of loss, our inheritance planning services provide the support you need to move forward. We help assemble a team of reputable professionals to effectively manage and administer estates, ensuring that your loved one’s legacy is honored.

Our Expertise in Serving Florida’s Diverse Clientele

We proudly serve a diverse range of clients, including high-net-worth families, business owners, medical professionals, and more. Our expertise extends beyond Florida, accommodating clients with multiple residences and extensive travel needs.

At the intersection of Florida’s vibrant culture and dynamic economy, Attorney Amy Zamikovsky, JD, CFP®, CPWA®, offers unparalleled financial planning and wealth management services. Let us help you navigate the complexities of wealth preservation and growth, ensuring that your financial future is as bright as the Florida sun.