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

Welcome to the vibrant community of Katy, where the charm of small-town Texas meets the dynamic growth of the Greater Houston area. Nestled just west of Houston, Katy is known for its rich history, strong community values, and a thriving local economy. It is here that I, Amy Zamikovsky, JD, CFP®, CPWA®, am proud to introduce my wealth management and financial planning services, designed to cater to the unique needs of Katy’s residents.

Building Legacies for Generations

With over 15 years of experience, I am dedicated to helping individuals and families in Katy build, preserve, and transfer their wealth. 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 passion for financial planning led me to earn the CERTIFIED FINANCIAL PLANNER® and Certified Private Wealth Advisor® designations, equipping me with the expertise to offer comprehensive financial advisory services.

Understanding Katy’s Market Needs

Katy’s growth has brought with it a diverse population, each with unique financial goals and challenges. Whether you’re navigating the complexities of estate planning, wealth management, or financial planning, my services are tailored to meet the specific needs of this community. I work closely with a network of professionals, including attorneys, CPAs, and trustees, to ensure that your financial plan aligns with your personal values and objectives.

Our Services

Estate Planning: Collaborating with your team of professionals, I ensure your estate plan reflects your current wishes and integrates seamlessly with your financial strategy.

Wealth Management: Every investment recommendation is grounded in conservative financial planning, ensuring your portfolio aligns with your goals and values.

Settlement Planning: We prioritize financial planning and traditional wealth management over structured products, allowing the math to guide our decisions.

Windfall Planning: Strategic tax planning and retirement planning are key when managing cash flow surges, ensuring your financial plan supports lasting prosperity.

Lottery Planning: Transform newfound wealth into a lasting legacy, protecting your family and assets for generations to come.

Tax Planning: From estate taxes to Roth conversions, our tax planning provides a clear strategy for optimizing your financial future.

Retirement Planning: Whether preparing for retirement or already retired, I am honored to guide you through all stages of life.

Exit Planning: Maximize your business’s value and preserve your legacy with our comprehensive financial planning services.

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

Divorce Financial Planning: Receive expert guidance to make informed decisions during divorce, ensuring financial independence.

Personal Divorce Strategist: As your dedicated advocate, I combine my legal and financial expertise to protect your interests throughout the divorce process.

Inheritance Planning: Navigate the complexities of estate administration with a team of reputable professionals, ensuring effective management.

Proud Affiliations

I am honored to be a part of several esteemed organizations, including the Houston Association of Women Attorneys, Houston Estate and Financial Forum, and the Houston Bar Association’s Probate, Trusts & Estates & Litigation sections. As a fiduciary, I am committed to acting in your best interests, providing personalized attention and care to each client.

Serving Katy and Beyond

While I am based in Houston, my services extend nationwide, supporting clients with multiple residences and extensive travel needs. My expertise transcends geographic boundaries, ensuring that wherever you are, your financial future is secure.

Contact Information

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

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

In Katy, where community and growth go hand in hand, I am excited to help you build a legacy that lasts for generations. Thank you for considering my services, and I look forward to the opportunity to work with you.

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

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

Welcome to the world of comprehensive financial planning with Amy Zamikovsky, JD, CFP®, CPWA®, a seasoned Senior Financial Advisor and Texas Attorney. With over 15 years of expertise in wealth management, estate planning, and financial planning, Amy brings a wealth of knowledge and experience to the residents of Katy. Her academic journey began with a B.S. in Biology from Southeastern Louisiana University, followed by a J.D. from the University of Houston Law Center. Her professional path includes earning the prestigious CERTIFIED FINANCIAL PLANNER® and Certified Private Wealth Advisor® designations, the latter through the Yale School of Management. Amy’s legal acumen, combined with her financial expertise, allows her to craft tailored strategies that effectively build, preserve, and transfer wealth. Her passion for education and financial protection is evident in her development and teaching of a State Bar of Texas CLE course focused on ethics, fiduciary duty, and legal settlement planning.

Divorce Financial Planning

Navigating the financial complexities of divorce can be daunting, but with Amy Zamikovsky by your side, you are not alone. We understand the unique challenges faced by individuals in Katy and are committed to providing expert-level guidance and support throughout this transition. Our approach is rooted in empathy and personal experience, ensuring that we take your concerns seriously and excel in delivering solutions.

Fact-Finding

At the heart of our process is a deep commitment to understanding you and your financial landscape. We engage in a thorough fact-finding mission to uncover every detail that could impact your financial future. This compassionate approach not only provides clarity but also instills confidence as you navigate the financial negotiations of your divorce. Your customized financial plan will serve as a robust foundation for the future you envision.

Planning

Embarking on the next chapter of your life requires a strategic approach to financial planning. We collaborate with you to craft personalized strategies that align with your unique goals, both immediate and long-term. By identifying your short-term needs and working towards long-term financial independence, we illuminate the possibilities that lie ahead in your new phase of life.

Implementation

The transformation from planning to action is where real change occurs. We work alongside you and your trusted legal and financial professionals to streamline your financial life and implement our strategies. As your fiduciary, we are dedicated to ensuring that every recommendation is in your best interest, paving the way for a secure financial future.

Our Commitment to Katy

While we are introducing our services to Katy, it’s important to note that we represent clients globally, including those in this vibrant community. Our office, located at 820 Gessner Road in Houston, Texas, operates by appointment only, ensuring personalized attention to each client’s needs. For inquiries or to schedule a consultation, please contact us at (512) 537-2221 or via email at contact@attorneyamycfp.com.

In Katy, a city known for its rich history and community spirit, we are excited to offer our expertise in pre-and-post divorce financial planning. Our commitment to you is rooted in providing the highest level of service, grounded in the numbers that never lie. With Amy Zamikovsky, JD, CFP®, CPWA®, you can trust that your financial future is in capable hands.

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

Congratulations, Katy lottery winners! You’ve just unlocked a new chapter in your life, filled with possibilities and dreams waiting to be realized. As you stand on the brink of this exhilarating journey, it’s crucial to make informed decisions that will safeguard your financial future for generations to come. I’m Amy Zamikovsky, JD, CFP®, CPWA®, 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 thrilling yet overwhelming time with confidence and clarity.

Preserve Your Winnings

In the vibrant community of Katy, where Southern hospitality meets modern living, 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 will assist you in:

  • Crafting a comprehensive trust and estate plan to protect your assets and minimize tax liabilities
  • Assembling a team of vetted attorneys, CPAs, and bankers to ensure robust financial management
  • Maintaining your privacy and security in a world where information travels fast
  • Managing incoming donation and investment requests with discernment

Plan for a Lifetime of Wealth

Your jackpot doesn’t have to be a fleeting windfall; with strategic 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 tailored to your unique needs:

  • Define your short and long-term lifestyle and legacy goals, ensuring they align with your values
  • Invest for optimal growth, income, and capital preservation, leveraging diverse asset classes
  • Maximize tax efficiency through strategic accounts and asset allocation, keeping more of your wealth in your hands
  • Secure your retirement with income-generating investments that provide stability and peace of mind
  • Establish trusts and gifts for future generations, creating a lasting legacy

Give with Confidence

If philanthropy is a priority for you, it would be my personal pleasure to guide you in transforming one-time gifts into enduring charitable vehicles. With tools like donor-advised funds and family foundations, you can translate your values into impactful actions, establishing 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 desired. 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?

Winning the lottery 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 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 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, serving clients in Katy and beyond, ensuring that your dreams are not just realized but sustained for a lifetime.

Office Address

BY APPOINTMENT ONLY
820 Gessner Road
Houston, Texas 77024

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

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

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

Welcome to Katy, a vibrant community nestled in the heart of Texas, where the spirit of the Lone Star State meets the charm of a close-knit town. As we introduce ourselves to this dynamic locale, we aim to provide valuable insights into financial planning for attorneys, particularly regarding structured attorney fees. Whether you’re a seasoned legal professional or just starting your practice, understanding the financial implications of fee deferral is crucial.

Imagine you’ve just won a significant case and secured a $1 million contingency fee. A structured settlement broker might suggest deferring your fee into a “tax-advantaged” annuity. While this may sound appealing, is it truly the best financial decision? For most attorneys, even those in the highest tax bracket, the answer is a resounding no. Let’s delve into why collaborating with a Certified Financial Planner® (CFP®) professional is essential for making informed decisions.

The True Cost of Deferral

Consider this scenario: 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. It may seem daunting, but 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 staggering. Even after paying $370,000 in taxes, you could end up with $1-1.9 million more by taking the lump sum and investing it. 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 sheer wealth gap, taking a lump sum provides invaluable liquidity and leverage. Need funds for a lucrative investment or unexpected expense? You can access a securities-based loan. Unfortunately, banks won’t lend against deferred fees. Want to pivot your investments or estate plan? With deferral, your money is locked up, limiting your options.

More Tax-Efficient Growth

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

  • Maximize 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 account types
  • Harvest tax losses to offset gains
  • Capitalize on the lower long-term capital gains rate

A skilled CFP®, especially a Certified Private Wealth Advisor® (CPWA®) professional, can help you engineer a far more tax-smart approach 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, 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 CFP® 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’re interested in 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

While we are not physically located in Katy, we proudly represent clients worldwide, including those in this vibrant community. Our office is based in Houston, Texas, just a short drive away, where we offer consultations by appointment only.

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

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

As we extend our services to Katy, we are committed to providing the highest level of financial expertise and guidance. Let us help you navigate the complexities of financial planning with confidence and clarity.

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

Welcome to the vibrant community of Katy, Texas, where the charm of small-town living meets the convenience of a bustling metropolitan area. Nestled just west of Houston, Katy is renowned for its rich history, excellent schools, and a strong sense of community. As we introduce our wealth management and financial planning services to Katy, we bring a deep understanding of the unique financial landscape and opportunities that this area offers.

Why Choose Tax-Planned Financial Planning and Wealth Management?

In the heart of Katy, where the community thrives on growth and prosperity, we emphasize the importance of tax-planned financial planning and wealth management. These strategies are far superior to the financial benefits of structured settlements. The numbers tell the truth, and the math decides. By focusing on tax efficiency, we help you maximize your wealth and secure your financial future.

Meet Amy Zamikovsky, JD, CFP®, CPWA®

Amy Zamikovsky, JD, CFP®, CPWA®, is a Senior Financial Advisor at Transform Wealth with over 15 years of experience in wealth management, estate planning, and financial planning. Holding a B.S. in Biology from Southeastern Louisiana University and a J.D. from the University of Houston Law Center, Amy combines her legal expertise with financial acumen to create customized strategies that build, preserve, and transfer wealth efficiently. 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.

Our Specialty Services in Katy

Estate Planning

In Katy, where family values are cherished, estate planning is crucial. We collaborate with your team of professionals, including attorneys, trustees, and CPAs, to ensure your estate plan aligns with your financial goals and reflects your current wishes.

Wealth Management

Our wealth management services are rooted in conservative financial planning. We ensure that your portfolio aligns with your goals and values, making every investment decision with care and precision.

Settlement Planning

For residents of Katy, financial planning and traditional wealth management often surpass the benefits of structured settlements. Even after taxes, the math supports our approach, ensuring you make the most of your financial opportunities.

Windfall Planning

Katy’s dynamic growth can lead to unexpected financial windfalls. We provide strategic tax planning, retirement planning, and alternative investment opportunities to integrate these surges into your comprehensive financial plan.

Lottery Planning

Should you find yourself a lottery winner in Katy, we offer expertise to protect your newfound wealth. Our goal is to transform your winnings into a lasting legacy, ensuring your family’s future is secure.

Tax Planning

Our tax planning services in Katy cover estate taxes, gift taxes, income taxes, capital gains taxes, and Roth conversions. We work closely with CPAs to implement optimal strategies for your financial success.

Retirement Planning

Whether you’re preparing for retirement or already enjoying it, our experience in Katy ensures you have a partner through every stage of life. We help you navigate the complexities of retirement with confidence.

Exit Planning

For business owners in Katy, exit planning is essential. We help you maximize your business’s value, minimize taxes, and preserve your legacy, turning years of hard work into lasting success.

401(k) Optimization

Our 401(k) optimization services ensure your retirement account aligns with your broader financial goals. As a fiduciary CFP® professional, Amy provides comprehensive advice on your entire financial picture.

Divorce Financial Planning

In the sensitive area of divorce, our financial planning services offer objective guidance. We help you make informed decisions, creating a roadmap for financial independence and a new chapter in your life.

Personal Divorce Strategist

As your Personal Divorce Strategist, Amy combines her legal and financial expertise to protect your interests. From asset valuation to wealth preservation, she ensures you never face critical decisions alone.

Inheritance Planning

In times of loss, our inheritance planning services in Katy provide support and guidance. We help you assemble a team of professionals to manage and administer estates effectively, ensuring your loved one’s wishes are honored.

Our Firm’s Expertise: Specializing in Portfolios > $1M+

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, reflecting our commitment to clients with multiple residences and extensive travel.

Contact Us

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

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

As we introduce our services to Katy, we are excited to support the community with our expertise in wealth management and financial planning. Whether you’re a long-time resident or new to the area, we’re here to help you achieve your financial goals and build a prosperous future.