Attorney Amy Zamikovsky, JD, CFP®, CPWA®: Wealth Management and Financial Planning in North America
Greetings to our North American community! I’m Amy Zamikovsky, JD, CFP®, CPWA®, and I am thrilled to bring my wealth management and financial planning expertise to this vibrant region. With a deep appreciation for the diverse cultures and rich history that North America offers, I am committed to helping you build legacies for generations.
Our journey began with a simple yet profound mission: to provide personalized financial advisory services that cater to the unique needs of each client. Whether you’re nestled in the bustling streets of Houston, the cultural hub of New Orleans, or the scenic landscapes of Vancouver, our services are designed to meet the distinct financial challenges and opportunities that each locale presents.
In North America, where the financial landscape is as varied as its geography, we understand the importance of tailored financial solutions. From the tech-driven economy of Silicon Valley to the oil-rich regions of Texas, our approach is rooted in understanding local market dynamics while leveraging our nationwide expertise. We proudly serve clients with multiple residences and those who travel extensively, ensuring that our reach extends far beyond any single location.
As a fiduciary, I am legally and ethically obligated to act in your best interests, a responsibility I embrace wholeheartedly. My credentials as a CERTIFIED FINANCIAL PLANNER® professional and Certified Private Wealth Advisor® professional underscore my commitment to providing the highest standard of financial guidance. With over 15 years of experience, I have honed my skills in wealth management, estate planning, and financial planning, always with an eye toward creating lasting value for my clients.
I am honored to be associated 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. These affiliations reflect my dedication to staying at the forefront of industry developments and maintaining a network of trusted professionals.
Our financial advisory services encompass a wide range of offerings, each designed to address specific needs:
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 reflects your current wishes.
Wealth Management
Our investment recommendations are grounded in conservative financial planning principles, ensuring your portfolio aligns with your values and objectives.
Settlement Planning
We emphasize the financial superiority of traditional wealth management over structured settlements, focusing on the numbers to guide our strategies.
Windfall Planning
Strategic tax planning, retirement planning, and alternative investments are key components of our approach to managing cash flow surges.
Lottery Planning
We provide the expertise needed to protect your newfound wealth and transform it into a lasting legacy.
Tax Planning
Our comprehensive tax planning services cover estate, gift, income, and capital gains taxes, ensuring optimal strategies are implemented in collaboration with CPAs.
Retirement Planning
We offer personalized guidance through all stages of life, helping you prepare for and enjoy a fulfilling retirement.
Exit Planning
Our team helps you maximize your business’s value, minimize taxes, and preserve your legacy through comprehensive financial planning.
401(k) Optimization
We optimize your retirement accounts to align with your financial goals, providing fiduciary advice on your entire financial picture.
Divorce Financial Planning
Our services offer objective guidance to help you navigate the financial complexities of divorce, ensuring informed decisions for your future.
Personal Divorce Strategist
As your dedicated advocate, I combine my legal and financial expertise to protect your interests throughout the divorce process.
Inheritance Planning
We offer compassionate support to help you manage and administer estates, providing guidance during difficult times.
At the heart of our practice is a commitment to building legacies for generations. We are grateful for the trust our clients place in us and are dedicated to providing the personal attention and care you deserve. Whether you’re planning for the future or navigating life’s transitions, we are here to support you every step of the way.
Thank you for considering us as your partner in financial success. We look forward to helping you achieve your goals and create a lasting impact for generations to come.
Pre-and-Post Divorce Financial Planning in North America with Attorney Amy Zamikovsky, JD, CFP®, CPWA®
Navigating the financial complexities of divorce can be daunting, especially in the diverse economic landscape of North America. As a Senior Financial Advisor and Texas Attorney, Amy Zamikovsky, JD, CFP®, CPWA®, brings over 15 years of expertise in wealth management, estate planning, and financial planning to guide you through this challenging time. With her extensive background, including a B.S. in Biology from Southeastern Louisiana University and a J.D. from the University of Houston Law Center, Amy is uniquely equipped to address the intricate financial needs of individuals undergoing divorce in North America.
Divorce Financial Planning
Divorce is not just a legal process; it’s a significant financial transition. In North America, where economic conditions can vary widely from one region to another, having a tailored financial strategy is crucial. Amy Zamikovsky understands this deeply, having not only worked with numerous clients but also having personal experience with divorce. This empathy drives her commitment to excellence in divorce financial planning.
Fact-Finding
Understanding your financial landscape is the first step toward securing your future. In North America, where financial regulations and economic opportunities differ across states and provinces, a comprehensive understanding of your financial situation is essential. Amy and her team take the time to get to know you personally, ensuring that every aspect of your financial life is considered. This thorough, compassionate approach provides clarity and confidence, empowering you during financial negotiations. Your customized financial plan will serve as a robust foundation for the future you deserve.
Planning
The next chapter of your life begins with a well-crafted financial strategy. In North America, where economic growth and opportunities abound, Amy Zamikovsky helps you identify your short-term needs while working towards long-term financial independence. Her meticulous planning process illuminates the possibilities in your new phase of life, ensuring that your financial goals align with your personal aspirations.
Implementation
Real transformation occurs when plans are put into action. Amy collaborates with you and your trusted legal and financial professionals to streamline your financial life. As your fiduciary, she ensures that every personalized recommendation is in your best interest, adhering to the highest standards of ethics and fiduciary duty. This collaborative approach ensures that your financial strategies are effectively implemented, setting you on a path to a secure and prosperous future.
The Importance of Tax-Planned Financial Planning
In North America, where tax laws can significantly impact financial outcomes, choosing tax-planned financial planning and wealth management is paramount. Amy Zamikovsky emphasizes the superiority of this approach over structured settlements, as the numbers speak for themselves. By leveraging her expertise as a CERTIFIED FINANCIAL PLANNER® professional and Certified Private Wealth Advisor® professional, Amy helps you navigate the complexities of tax regulations, maximizing your financial benefits and securing your wealth for the future.
Introducing Amy Zamikovsky, JD, CFP®, CPWA® to North America
Amy Zamikovsky is not just a financial advisor; she is a dedicated advocate for your financial well-being. 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. Her commitment to excellence and her deep understanding of the North American financial landscape make her an invaluable partner in your financial journey.
With Amy Zamikovsky, you are not just another client; you are a valued individual with unique financial needs and goals. Her personalized approach ensures that you receive the highest level of service and expertise, empowering you to navigate the financial complexities of divorce with confidence and clarity. Whether you are in the bustling financial hubs of New York or the serene landscapes of the Canadian Rockies, Amy is here to guide you every step of the way.
North America Lottery Winners: Secure Your Dreams with Strategic Wealth Management from Attorney Amy Zamikovsky, JD, CFP®, CPWA®
Congratulations, North America lottery winners! You’ve just hit the jackpot, and your life is about to transform in ways you’ve only imagined. While the excitement of sudden wealth is exhilarating, it also brings 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’m here to help you navigate this thrilling yet overwhelming time with confidence and clarity.
Preserve Your Winnings
Safeguarding your newfound wealth is paramount. Without proper legal structures and financial strategies, your millions could be vulnerable to taxes, lawsuits, scams, and mismanagement. As your trusted advisor, I’ll help you:
- Create a Trust and Estate Plan: Protect your assets and minimize taxes with a comprehensive estate plan tailored to your unique situation.
- Assemble a Team of Experts: I’ll connect you with a network of vetted attorneys, CPAs, and bankers to ensure your financial affairs are in expert hands.
- Maintain Privacy and Security: Protect your personal information and assets from potential threats.
- Manage Donation and Investment Requests: I’ll guide you in handling incoming requests to ensure your generosity aligns with your financial goals.
Plan for a Lifetime of Wealth
Your jackpot doesn’t have to be a one-time cash bonanza. With savvy planning, it can be the seed money for growing lifelong wealth. Drawing on my extensive experience as a CFP® professional and CPWA® professional, I’ll craft a personalized wealth management plan to help you:
- Define Your Goals: Clarify your short and long-term lifestyle and legacy objectives.
- Invest for Growth: Optimize your portfolio for growth, income, and capital preservation.
- Maximize Tax Efficiency: Utilize strategic accounts and asset allocation to minimize tax liabilities.
- Secure Your Retirement: Invest in income-generating assets to ensure a comfortable retirement.
- Establish Trusts and Gifts: Plan for future generations with trusts and gifting strategies.
Give with Confidence
If philanthropy is one of your priorities, it is my personal pleasure to guide you on turning one-time gifts into enduring charitable vehicles. With the right tools, like donor-advised funds and family foundations, you can translate your values into impact and establish a giving legacy that inspires your family for generations.
Enjoy Your Winnings
Now is the time to reward yourself and your loved ones! I’ll show you how to prudently earmark funds for a dream home, travel, a college fund, or that sports car you’ve always had your eye on. With a balanced approach, you can savor the fruits of your blessings while staying on track for long-term financial health.
Why Trust Amy Zamikovsky?
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.
North America Structured Attorney Fees: Why Deferral Costs Millions, Even After Taxes
You’ve just triumphed in a significant legal case, securing a $1 million contingency fee. A structured settlement broker suggests deferring your fee into a “tax-advantaged” annuity. While this may sound appealing, is it truly the optimal financial decision? For most attorneys, especially those in the highest tax bracket, the answer is a resounding no. Here’s why savvy trial lawyers collaborate with a CERTIFIED FINANCIAL PLANNER® professional to 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, you face a $370,000 tax bill if you take the lump sum. That’s a hefty amount. 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 disparity is striking. Even after paying $370,000 in taxes, you could end up with $1-1.9 million more by opting for the lump sum and investing it! And the benefits only amplify 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, a lump sum provides invaluable liquidity and leverage. Need funds for a promising investment or an unexpected expense? You can access a securities-based loan. Banks typically won’t lend against deferred fees. Want to adjust your investments or estate plan? With deferral, your money is tied up, limiting your flexibility.
More Tax-Efficient Growth
What about the “tax-free growth” that structured settlement companies often promote? 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 across different account types
- Harvest tax losses to offset gains
- Leverage the lower long-term capital gains rate
A skilled CERTIFIED FINANCIAL PLANNER® professional, particularly a Certified Private Wealth Advisor® professional, can help you devise a far more tax-efficient strategy than the simplistic deferral approach.
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 gone—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, minimizing fees and maximizing growth.
Don’t Defer Without Professional Analysis
Before considering a structured settlement proposal, consult with an experienced CERTIFIED FINANCIAL PLANNER® 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 seeking a personalized professional assessment of an upcoming fee decision, contact Attorney Amy Zamikovsky, JD, CFP®, CPWA®, today. With over 15 years of expertise in wealth management, estate planning, and financial planning, Amy is dedicated to helping you maximize your hard-earned wealth. As a Senior Financial Advisor at Transform Wealth and a licensed Texas Attorney, she combines her legal and financial acumen to craft tailored strategies that effectively build, preserve, and transfer wealth. Let us assist you in making informed decisions that secure your financial future.
Moving Forward with Attorney Amy Zamikovsky, JD, CFP®, CPWA®: Wealth Management and Financial Planning in North America! We’re Here for You!
In the vast and diverse landscape of North America, where cultures blend and economies thrive, the importance of strategic financial planning cannot be overstated. Here at Transform Wealth, under the expert guidance of Amy Zamikovsky, JD, CFP®, CPWA®, we are committed to providing unparalleled wealth management and financial planning services tailored to the unique needs of our clients across this dynamic region.
The Power of Tax-Planned Financial Planning
In North America, where financial landscapes can be as varied as the climates, choosing tax-planned financial planning over structured settlements offers significant advantages. The numbers tell the story—strategic tax planning, when executed with precision, can lead to greater financial benefits. Our approach ensures that your wealth is not only preserved but also optimized for growth, allowing you to enjoy the fruits of your labor while securing your financial future.
Amy Zamikovsky: Your Guide to Financial Success
Amy Zamikovsky, JD, CFP®, CPWA®, is a Senior Financial Advisor with over 15 years of experience in wealth management, estate planning, and financial planning. Her educational background, with a B.S. in Biology from Southeastern Louisiana University and a J.D. from the University of Houston Law Center, complements her financial expertise. Amy’s journey includes earning her CERTIFIED FINANCIAL PLANNER® and Certified Private Wealth Advisor® designations, equipping her with the skills to craft customized financial strategies that align with your goals and values.
Comprehensive Services for Diverse Needs
Our services extend beyond traditional financial planning, offering a holistic approach that addresses the unique challenges and opportunities faced by high-net-worth individuals and families in North America. Whether you’re a business owner, medical professional, or corporate executive, our personalized solutions are designed to help you preserve and grow your wealth.
Estate Planning
We collaborate with your team of professionals to ensure your estate plan aligns with your financial goals. Our expertise ensures that your wishes are honored and your legacy is preserved.
Wealth Management
Our investment recommendations are grounded in conservative financial planning principles. We ensure that your portfolio reflects your values and has the potential to achieve your financial objectives.
Settlement Planning
We demonstrate that financial planning and traditional wealth management often surpass the benefits of structured settlements, even after taxes. Our data-driven approach lets the math speak for itself.
Windfall and Lottery Planning
Sudden financial gains present opportunities for strategic planning. We help you integrate these windfalls into your financial plan, ensuring long-term prosperity and legacy building.
Tax and Retirement Planning
Our tax planning services provide clarity on optimal strategies, working closely with CPAs to implement them effectively. Whether you’re preparing for retirement or already enjoying it, we offer guidance tailored to your stage in life.
Exit and 401(k) Optimization
Our exit planning services help you maximize your business’s value and preserve your legacy. Additionally, our 401(k) optimization ensures your retirement accounts align with your broader financial goals.
Divorce Financial Planning and Personal Divorce Strategist
Divorce can be a challenging time, but with our expert guidance, you can make informed decisions. As your Personal Divorce Strategist, Amy combines her legal and financial expertise to protect your interests and help you navigate this transition with confidence.
Inheritance Planning
We understand the complexities of inheritance planning and are here to support you through the process. Our team helps you assemble the necessary professionals to manage and administer estates effectively.
Serving North America’s Diverse Clientele
Our expertise extends across North America, catering to clients with multiple residences and those who travel extensively. We specialize in portfolios exceeding $1 million, offering tailored services to high-net-worth families, business owners, medical professionals, and more.
Conclusion
In North America, where financial landscapes are as diverse as its people, Amy Zamikovsky, JD, CFP®, CPWA®, stands ready to guide you through the complexities of wealth management and financial planning. Our commitment to personalized service and strategic planning ensures that your financial future is secure, allowing you to focus on what truly matters—enjoying life and leaving a lasting legacy. Contact us today to begin your journey toward financial success.
