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

Welcome to Houston, a vibrant city known for its rich cultural tapestry, dynamic economy, and a spirit of innovation that resonates from the bustling streets of Downtown to the serene neighborhoods of The Heights and River Oaks. It is here, amidst the thriving energy of Texas’ largest city, that I, Amy Zamikovsky, JD, CFP®, CPWA®, am proud to offer my expertise in wealth management and financial planning.

Building Legacies for Generations

My journey in financial advisory services began over 15 years ago, and it has been a privilege to serve clients not only in Houston but across the nation. With a B.S. in Biology from Southeastern Louisiana University and a J.D. from the University of Houston Law Center, my educational path has been as diverse as the city itself. My professional credentials as a CERTIFIED FINANCIAL PLANNER® professional and Certified Private Wealth Advisor® professional were earned through rigorous training, including my time at Merrill Lynch and the Yale School of Management.

Understanding Houston’s Unique Market Needs

Houston’s economy is as diverse as its population, with industries ranging from energy and aerospace to healthcare and technology. As a fiduciary, I am committed to acting in the best interests of my clients, offering personalized financial planning services that cater to the unique needs of Houstonians. Whether you’re navigating the complexities of estate planning in Memorial or seeking wealth management advice in the Galleria area, my goal is to provide tailored strategies that align with your financial aspirations.

Our Professional Network

I am honored to be a part of several esteemed organizations, including 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 my dedication to staying at the forefront of financial and legal developments, ensuring that I provide the most informed and effective advice to my clients.

Comprehensive Financial Services

In Houston, where the skyline is ever-evolving, so too are the financial landscapes of its residents. My services encompass a wide range of financial planning and wealth management solutions, each designed to build and preserve your legacy:

  • Estate Planning: Collaborating with a team of professionals to ensure your estate plan is comprehensive and reflective of your wishes.
  • Wealth Management: Offering investment recommendations grounded in conservative financial planning principles.
  • Settlement Planning: Demonstrating the financial superiority of traditional wealth management over structured settlements, even after taxes.
  • Windfall and Lottery Planning: Guiding you through strategic tax planning and investment opportunities following a financial windfall.
  • Tax Planning: Providing clear strategies for estate, gift, income, and capital gains taxes, in partnership with CPAs.
  • Retirement and Exit Planning: Helping you transition from work to retirement with confidence, maximizing your business’s value and preserving your legacy.
  • 401(k) Optimization: Ensuring your retirement accounts align with your financial goals and risk tolerance.
  • Divorce Financial Planning and Personal Divorce Strategist Services: Offering expert guidance and advocacy during divorce proceedings, ensuring informed, objective decisions.

A Commitment to Excellence

As a fiduciary, my commitment is to you, the client. I am here to provide unbiased, informed advice, ensuring that every financial decision is made with your best interests at heart. Whether you’re a long-time resident of Houston or new to the area, I am dedicated to helping you navigate the complexities of financial planning with confidence and clarity.

Contact Information

For those seeking personalized financial guidance in Houston, I invite you to reach out. My office, located at 820 Gessner Road, Houston, Texas 77024, operates by appointment only. You can contact me via email at contact@attorneyamycfp.com or by phone at (512) 537-2221.

Together, let’s build a legacy that lasts for generations, reflecting the vibrant spirit and boundless opportunities that Houston has to offer.

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

Navigating the complexities of divorce can be daunting, especially in a vibrant and diverse city like Houston. As a bustling metropolis known for its rich cultural tapestry and economic dynamism, Houston presents unique challenges and opportunities in financial planning. Attorney Amy Zamikovsky, JD, CFP®, CPWA®, brings over 15 years of expertise in wealth management, estate planning, and financial planning to help you navigate these challenges. With a J.D. from the University of Houston Law Center, Amy is deeply familiar with the local legal landscape, making her an invaluable resource for Houstonians seeking to secure their financial futures during and after divorce.

Divorce Financial Planning

At the heart of Houston’s thriving community, we understand your concerns about divorce. We don’t just work with clients like you; we’ve been there ourselves. Our personal experiences with divorce drive our commitment to providing empathetic and expert-level support. We believe in the power of numbers, as they never lie. Our focus on tax-planned financial planning and wealth management offers far superior benefits compared to structured settlements. Here’s how we can help:

Fact-Finding

In a city as diverse as Houston, understanding your unique financial situation is crucial. We take the time to get to know the real you, ensuring that every detail impacting your financial future is considered. Our thorough yet compassionate approach provides clarity and confidence during your divorce negotiations. Your customized financial plan will serve as a strong foundation for building the future you deserve in this vibrant city.

Planning

Houston is a city of opportunities, and your next chapter starts here. We craft financial strategies tailored to your unique goals, both current and future. By identifying your short-term needs and building long-term financial independence, we help you explore all possibilities in your new phase of life. Our meticulous planning process is designed to illuminate your path forward, ensuring you thrive in Houston’s dynamic environment.

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. As your fiduciary, we ensure that every personalized recommendation is truly in your best interest. In a city known for its innovation and growth, we help you put your financial strategies into motion, empowering you to embrace the future with confidence.

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

Amy Zamikovsky is a Senior Financial Advisor at Transform Wealth, with a robust background in both law and finance. Her journey began with a B.S. in Biology from Southeastern Louisiana University, followed by a J.D. from the University of Houston Law Center. While at Merrill Lynch, Amy earned her CERTIFIED FINANCIAL PLANNER® designation and later achieved her 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. Her passion for educating and financially protecting the public is evident in her development and teaching of a State Bar of Texas CLE course on ethics, fiduciary duty, and legal settlement planning.

Office Address

BY APPOINTMENT ONLY
820 Gessner Road
Houston, Texas 77024

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

We are proud to introduce ourselves to Houston, a city we admire for its resilience and diversity. While we represent clients worldwide, including those in Houston, our commitment remains to provide unparalleled financial planning and wealth management services tailored to your unique needs.

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

Congratulations, Houston lottery winners! You’ve just unlocked a world of possibilities, and your life is poised for an extraordinary transformation. As you stand on the brink of newfound wealth, it’s crucial to make informed decisions that will safeguard 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 in guiding high-net-worth individuals, I’m here to help you navigate this exhilarating yet complex journey with confidence and clarity.

Preserve Your Winnings

In the vibrant city of Houston, where opportunity and innovation thrive, safeguarding your newfound wealth is of utmost importance. Without the right legal structures and financial strategies, your millions could be at risk from taxes, lawsuits, scams, and mismanagement. As your trusted advisor, I’ll assist you in:

  • Crafting a trust and estate plan to protect your 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 fleeting windfall; with astute planning, it can become the foundation for lifelong prosperity. Drawing on my extensive experience as a CFP® professional and CPWA® professional, I’ll design 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 a priority for you, I am delighted to guide you in transforming 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 impactful actions and establish a giving legacy that inspires your family for generations.

Enjoy Your Winnings

Now is the time to indulge in the rewards of your success! I’ll show you how to prudently allocate funds for a dream home, travel, a college fund, or that sports car you’ve always desired. With a balanced approach, you can relish the fruits of your blessings while staying on track for long-term financial health.

Why Trust Amy Zamikovsky?

Winning the lottery thrusts you into the intricate world of sudden wealth, where one misstep could mean losing millions. You need a financial quarterback who understands the unique challenges of managing an overnight fortune and has a proven 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 transform sudden windfalls into lasting wealth. My background as an attorney also 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 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 Location

Remember, we are introducing ourselves to Houston, not implying that we’re located there or moving there, only that we represent clients around the world, including but not limited to Houston.

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

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

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

Houston, a vibrant city known for its diverse culture and thriving economy, is home to many successful attorneys who often face complex financial decisions. Among these decisions is whether to defer structured attorney fees or to take a lump sum and invest it wisely. If you’ve just won a major case and secured a $1 million contingency fee, you might be tempted by a structured settlement broker’s suggestion to defer your fee into a “tax-advantaged” annuity. While this might sound appealing, the numbers tell a different story. Even for attorneys in the highest tax bracket, the clear financial advantage lies in taking the lump sum. Let’s delve into why savvy trial lawyers in Houston work with a Certified Financial Planner® (CFP®) 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 equates to a $370,000 tax bill if you take the lump sum. While this may seem steep, let’s compare the outcomes of 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 significant. 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 an 8% return, the lump sum grows to $6.4 million after tax, compared to just $1.5 million with deferral.

Lost Opportunity and Liquidity

Beyond the substantial wealth gap, taking a lump sum provides invaluable liquidity and leverage. If you need funds for a lucrative investment or an unexpected expense, you can easily access a securities-based loan. Banks typically won’t lend against deferred fees. Additionally, if you want to adjust your investments or estate plan, having your money in a lump sum allows for greater flexibility.

More Tax-Efficient Growth

Structured settlement companies often promote “tax-free growth,” but with strategic planning, you can significantly outperform deferral after taxes:

  • Maximize contributions to pre-tax retirement plans for tax-deferred growth
  • Contribute after-tax dollars to a Roth IRA for tax-free growth
  • Allocate assets tax-efficiently among different account types
  • Harvest tax losses to offset gains
  • Take advantage of the lower long-term capital gains rate

A skilled CFP® professional, particularly a Certified Private Wealth Advisor® (CPWA®) professional, can help you craft a far more tax-efficient strategy than the blunt deferral method.

The Hidden Fees

Another pitfall of deferral is 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 an 8% return! In contrast, investing your lump sum in low-cost index funds incurs a fraction of these fees.

Don’t Defer Without Professional Analysis

Before considering a structured settlement proposal, engage an experienced CFP® professional to model your unique scenario. More often than not, 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’re in Houston and would 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.

Contact Information

While we represent clients around the world, including those in Houston, we are not implying that we are located there or moving there. We are simply introducing ourselves to the Houston community.

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

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

By working with Attorney Amy Zamikovsky, JD, CFP®, CPWA®, you can ensure that your financial planning and wealth management strategies are tailored to your specific needs, helping you build, preserve, and transfer wealth efficiently. With over 15 years of experience, Amy is dedicated to educating and financially protecting the public, offering her expertise to attorneys interested in ethics, fiduciary duty, and legal settlement planning.

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

Welcome to Houston, a vibrant city known for its rich cultural tapestry, dynamic economy, and thriving communities. As a hub of innovation and diversity, Houston offers a unique backdrop for financial planning and wealth management. Here, amidst the bustling energy of the Space City, we at Transform Wealth are dedicated to helping you navigate the complexities of financial growth and legacy building.

The Importance of Tax-Planned Financial Planning in Houston

In a city as economically diverse as Houston, the benefits of tax-planned financial planning cannot be overstated. With its robust energy sector, burgeoning tech industry, and a significant number of high-net-worth individuals, Houston presents unique financial opportunities and challenges. Our approach focuses on the undeniable truth that numbers never lie—math is the ultimate decision-maker. By prioritizing tax efficiency, we ensure that your wealth is not only preserved but also optimized for growth.

Meet Amy Zamikovsky, JD, CFP®, CPWA®

Amy Zamikovsky, a Senior Financial Advisor at Transform Wealth, brings over 15 years of experience in wealth management, estate planning, and financial planning. With a J.D. from the University of Houston Law Center, Amy combines her legal expertise with her financial acumen to craft personalized strategies that align with your goals and values. Her designations as a CERTIFIED FINANCIAL PLANNER® professional and Certified Private Wealth Advisor® professional underscore her commitment to excellence and fiduciary responsibility.

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

Our specialization in financial planning is tailored to serve the unique needs of portfolios exceeding $1 million. In Houston, where industries range from aerospace to healthcare, we understand the diverse financial landscapes our clients navigate. Our holistic approach integrates wealth management with optimized tax and estate planning strategies, ensuring that your financial plan reflects your priorities and aspirations.

Empowering Your Financial Legacy

As an experienced attorney and fiduciary, Amy Zamikovsky is uniquely positioned to guide you through sensitive financial discussions. Whether you’re planning for retirement, managing a windfall, or navigating a divorce, our customized strategies empower you to build a personal legacy that withstands the test of time. We work closely with your team of professionals, from attorneys to CPAs, to ensure that every aspect of your financial plan is meticulously aligned with your objectives.

Comprehensive Services Tailored to Houston’s Dynamic Environment

  • Estate Planning: Collaborating with your legal and financial team, we ensure your estate plan is both current and effective.
  • Wealth Management: Our investment recommendations are grounded in conservative financial planning, reflecting your values and goals.
  • Settlement Planning: We demonstrate the financial superiority of traditional wealth management over structured settlements, even after taxes.
  • Windfall and Lottery Planning: Strategic planning transforms sudden wealth into lasting prosperity, safeguarding your assets and legacy.
  • Tax Planning: From estate to capital gains taxes, our strategies provide a clear path forward, in partnership with your CPA.
  • Retirement and Exit Planning: We guide you through life’s transitions, maximizing your business’s value and preserving your legacy.
  • 401(k) Optimization: Align your retirement account with your broader financial goals, avoiding common pitfalls.
  • Divorce Financial Planning: As your Personal Divorce Strategist, Amy combines legal and financial expertise to protect your interests.
  • Inheritance Planning: We assist in managing and administering estates, providing support during challenging times.

Serving Houston and Beyond

While our roots are firmly planted in Houston, our expertise extends nationwide. We proudly serve clients with multiple residences and those who travel extensively, ensuring that our services are accessible wherever you are. Whether you’re a business owner, medical professional, or high-earning executive, our personalized financial strategies are designed to meet your unique needs.

Contact Us

We invite you to explore the possibilities of financial growth and security with us. By appointment only, visit us at:

820 Gessner Road
Houston, Texas 77024

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

Discover how Attorney Amy Zamikovsky, JD, CFP®, CPWA®, can help you move forward with confidence in Houston’s dynamic financial landscape.