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

Welcome to the heart of Texas, where the vibrant cities of Houston, Austin, and Dallas set the stage for a thriving financial landscape. Here, we introduce Amy Zamikovsky, JD, CFP®, CPWA®, a seasoned Senior Financial Advisor and Texas Attorney with over 15 years of experience in wealth management, estate planning, and financial planning. Amy’s 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 career took flight at Merrill Lynch, where she earned her CERTIFIED FINANCIAL PLANNER® designation, later advancing her expertise with a Certified Private Wealth Advisor® designation from the Yale School of Management.

At the core of Amy’s practice is a deep commitment to the people of Texas, a state known for its rich cultural heritage and diverse economic opportunities. From the bustling streets of Houston to the rolling hills of the Hill Country, Amy understands the unique financial needs of Texans. Her approach is rooted in the belief that building legacies for generations requires personalized attention and care, values that resonate deeply with the local culture.

As a fiduciary, Amy is legally and ethically obligated to act in the best interests of her clients, ensuring that every financial strategy is tailored to their specific needs. Her dedication to education and financial protection is evident in her development and teaching of a State Bar of Texas CLE course, focusing on ethics, fiduciary duty, and legal settlement planning.

Amy’s professional affiliations include the Houston Association of Women Attorneys, the Houston Estate and Financial Forum, and the Houston Bar Association’s Probate, Trusts & Estates & Litigation sections. She is also a proud member of NAPFA, The National Association of Personal Financial Advisors, reflecting her commitment to maintaining the highest standards of financial advisory services.

Our services extend nationwide, catering to clients with multiple residences and those who travel extensively. However, our expertise is particularly attuned to the needs of Texans, offering a comprehensive suite of financial planning services designed to address the complexities of wealth management in this dynamic state.

Estate Planning

In Texas, where family and tradition hold significant importance, we collaborate with a team of professionals, including attorneys, trustees, and CPAs, to ensure your estate plan aligns with your financial goals and personal values.

Wealth Management

Our investment recommendations are grounded in conservative financial planning principles, ensuring that your portfolio reflects your aspirations and the values that define you as a Texan.

Settlement Planning

We emphasize the superiority of financial planning and traditional wealth management over structured settlements, letting the numbers speak for themselves, even after taxes.

Windfall Planning

Strategic tax planning, retirement planning, and alternative investments are key to managing cash flow surges, providing a foundation for lasting prosperity in the Lone Star State.

Lottery Planning

Transform your newfound wealth into a lasting legacy, ensuring that your assets are protected and your family’s future is secure.

Tax Planning

Our tax planning services cover estate, gift, income, and capital gains taxes, providing a clear, quantified picture of optimal strategies moving forward.

Retirement Planning

Whether you’re preparing for retirement or already enjoying it, we offer guidance through all stages of life, ensuring your financial security as you age gracefully in Texas.

Exit Planning

Our comprehensive financial planning services help you maximize your business’s value, minimize taxes, and preserve your legacy, reflecting the entrepreneurial spirit of Texas.

401(k) Optimization

We optimize your employment-sponsored retirement account, aligning your 401(k) holdings with your broader financial goals and risk tolerance.

Divorce Financial Planning

Our divorce financial planning services offer expert guidance, helping you make informed decisions and create a roadmap for financial independence.

Personal Divorce Strategist

As your Personal Divorce Strategist, Amy combines her legal and financial expertise to protect your interests, ensuring you never face critical decisions alone.

Inheritance Planning

In times of loss, we’re here to help you move forward, assembling a team of professionals to manage and administer estates effectively.

Our Firm’s Expertise

Specializing in portfolios exceeding $1 million, we are proud to serve clients worldwide, including those in Texas. Our office, located at 820 Gessner Road, Houston, Texas 77024, is available by appointment only. Contact us at (512) 537-2221 or email contact@attorneyamycfp.com for personalized financial advisory services that honor the legacy of Texas.

In Texas, where the spirit of independence and community thrives, we are honored to be part of your financial journey, building legacies for generations.

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

Navigating the complexities of divorce can be daunting, especially when it comes to financial planning. In Texas, where the community property laws can significantly impact the division of assets, having a knowledgeable advisor by your side is crucial. Attorney Amy Zamikovsky, JD, CFP®, CPWA®, brings over 15 years of expertise in wealth management, estate planning, and financial planning to help guide you through this challenging time. With her extensive background as a Senior Financial Advisor and a licensed Texas attorney, Amy is uniquely positioned to offer tailored financial strategies that address both pre-and-post-divorce needs.

Divorce Financial Planning

At the heart of our approach is a deep understanding of the emotional and financial complexities that accompany divorce. We recognize that each client’s situation is unique, and we take pride in offering personalized solutions that reflect your individual circumstances. Our process is built on empathy and expertise, ensuring that you feel supported every step of the way.

Fact-Finding

The journey begins with getting to know you—the real you. We believe that a thorough understanding of your financial landscape is essential for effective planning. Our comprehensive fact-finding process delves into every aspect of your financial life, from assets and liabilities to income and expenses. This meticulous approach provides clarity and confidence, empowering you to make informed decisions during the financial negotiations of your divorce. In Texas, where the division of community property can be particularly complex, having a clear financial picture is invaluable.

Planning

As you embark on the next chapter of your life, we are here to help you craft a financial strategy that aligns with your goals. Whether you’re focused on immediate needs or long-term aspirations, our customized plans are designed to foster financial independence. We work closely with you to identify opportunities and challenges, ensuring that your financial strategy is both comprehensive and adaptable. In a state as diverse as Texas, where economic conditions can vary widely, having a flexible plan is essential.

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 and put our strategies into motion. As your fiduciary, we are committed to ensuring that every recommendation is in your best interest. Our goal is to provide you with the tools and support you need to build a secure financial future. In Texas, where the economy is robust and opportunities abound, having a proactive approach to financial planning can make all the difference.

Introducing Amy Zamikovsky, JD, CFP®, CPWA®

Amy Zamikovsky is a Senior Financial Advisor at Transform Wealth, with a wealth of experience in financial planning and wealth management. She holds a B.S. in Biology from Southeastern Louisiana University and a J.D. from the University of Houston Law Center. Her credentials as a CERTIFIED FINANCIAL PLANNER® professional and Certified Private Wealth Advisor® professional were earned through rigorous training at Merrill Lynch and the Yale School of Management, respectively. As an experienced attorney in Texas, Amy leverages her legal expertise to develop customized financial strategies that effectively build, preserve, and transfer wealth.

Amy is passionate about educating and financially protecting the public. She has developed and teaches a State Bar of Texas CLE course focused on ethics, fiduciary duty, and legal settlement planning. Her commitment to excellence and her dedication to her clients make her a trusted advisor in the field of financial planning.

Our Commitment to Texas

While we are introducing our services to Texas, it’s important to note that we represent clients around the world, including but not limited to Texas. Our office, located at 820 Gessner Road, Houston, Texas 77024, operates by appointment only. We are here to support you with personalized financial strategies that reflect the unique economic and cultural landscape of Texas.

For more information or to schedule a consultation, please contact us at contact@attorneyamycfp.com or call (512) 537-2221. We look forward to helping you navigate the financial aspects of divorce with confidence and clarity.

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

Congratulations, Texas lottery winners! You’ve just unlocked a world of possibilities, and your life is about to transform in ways you may have only imagined. But with this newfound wealth comes the responsibility of making decisions that will shape your financial future for generations. 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 exhilarating yet overwhelming time with confidence and clarity.

Preserve Your Winnings

Safeguarding your newfound wealth is crucial. Without proper legal structures and financial strategies, your millions could be at risk from 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 by establishing a comprehensive trust and estate plan.
  • Assemble a Team of Experts: I’ll connect you with a network of vetted attorneys, CPAs, and bankers to ensure your financial interests are well-protected.
  • Maintain Privacy and Security: Protect your personal information and financial details from public exposure.
  • Manage Donation and Investment Requests: I’ll guide you in handling incoming requests with discernment and strategy.

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 craft a personalized wealth management plan to help you:

  • Define Your Goals: Establish both short-term 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 well-structured trusts and gifts.

Give with Confidence

If philanthropy is one of your priorities, it is my personal pleasure 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 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?

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 Texas, not implying that we’re located there nor moving there, only that we represent clients around the world, including but not limited to Texas.

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

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

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

You’ve just achieved a significant victory in a major case, securing 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. Here’s why savvy trial lawyers in Texas collaborate with a CERTIFIED FINANCIAL PLANNER® 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, this translates to a $370,000 tax bill if you opt for a lump sum. That might sting, 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 striking. 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 sheer wealth gap, a lump sum provides invaluable liquidity and leverage. Need funds for a lucrative investment or 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 a deferred fee, your money is locked 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
  • Take advantage of 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 blunt deferral method.

The Hidden Fees

Another pitfall of deferral is hidden commissions. Structured settlement brokers often take more than 4% 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.

Don’t Defer Without Professional Analysis

Before considering a structured settlement proposal, consult 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 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.

About Amy Zamikovsky

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 earned her CERTIFIED FINANCIAL PLANNER® designation while working at Merrill Lynch and later achieved 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 leverages her legal expertise to create customized financial strategies that effectively build, preserve, and transfer wealth. Passionate about educating and financially protecting the public, she developed and teaches a State Bar of Texas CLE course for attorneys interested in ethics, fiduciary duty, and legal settlement planning.

Contact Information

For a consultation, please reach out to us:

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

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

We are proud to represent clients around the world, including those in Texas.

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

Welcome to the heart of Texas, where the spirit of independence and innovation thrives. As we introduce our wealth management and financial planning services, we are excited to extend our expertise to the Lone Star State. Texas, known for its rich history, diverse culture, and booming economy, presents unique opportunities and challenges for financial growth and preservation. At the helm of our services is Amy Zamikovsky, JD, CFP®, CPWA®, a seasoned Senior Financial Advisor with over 15 years of experience in wealth management, estate planning, and financial planning.

Why Choose Tax-Planned Financial Planning in Texas?

In Texas, where the economy is as vast as its landscapes, the importance of tax-planned financial planning cannot be overstated. Unlike structured settlements, which may offer immediate relief, tax-planned strategies provide long-term financial benefits that are backed by solid numbers. The math is clear: strategic financial planning is superior in maximizing wealth and minimizing tax liabilities. Our approach is rooted in the belief that numbers never lie, and we are committed to helping you make informed decisions that align with your financial goals.

Our Specialization: Where Legal Expertise Meets Customized Wealth Strategies

Amy Zamikovsky, JD, CFP®, CPWA®, brings a unique blend of legal expertise and financial acumen to the table. With a background in law from the University of Houston Law Center and certifications from prestigious institutions like the Yale School of Management, Amy is well-equipped to guide you through the complexities of wealth management. Our services are tailored to meet the needs of high-net-worth individuals, with a focus on portfolios exceeding $1 million. We offer a holistic approach that encompasses wealth management, tax optimization, and estate planning, ensuring that your financial strategies are as robust as the Texas economy.

Empowering Your Financial Legacy

As an experienced attorney and fiduciary, Amy Zamikovsky is dedicated to empowering you and your family to build a lasting legacy. Our customized financial strategies are designed to help you navigate sensitive discussions and make confident decisions about your future. Whether you’re planning for retirement, managing a windfall, or navigating a divorce, we provide the expertise and support you need to achieve your financial aspirations.

Comprehensive Services Tailored for Texas

Our suite of services is designed to address the diverse financial needs of Texans:

  • Estate Planning: We collaborate with your team of professionals 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, ensuring your portfolio aligns with your values and objectives.
  • Settlement Planning: We demonstrate the financial superiority of traditional wealth management over structured products, even after taxes.
  • Windfall and Lottery Planning: We provide strategic guidance to integrate sudden cash flow surges into your financial plan, ensuring long-term prosperity.
  • Tax Planning: Our tax strategies cover estate, gift, income, and capital gains taxes, providing a clear path forward.
  • Retirement and Exit Planning: We help you transition from work to retirement, maximizing your business’s value and preserving your legacy.
  • 401(k) Optimization: Our services ensure your retirement account aligns with your broader financial goals.
  • Divorce Financial Planning and Personal Divorce Strategist Services: We offer expert guidance to help you make informed decisions during a divorce, protecting your interests every step of the way.
  • Inheritance Planning: We assist in managing and administering estates, providing support during difficult times.

Serving Texas and Beyond

While we are proud to serve clients nationwide, our expertise is particularly beneficial to those in Texas. We understand the unique financial landscape of the state and are committed to helping you navigate it with confidence. Whether you’re a high-net-worth family, business owner, medical professional, or retiree, we have the experience and knowledge to support your financial journey.

Connect with Us

We invite you to explore the possibilities of financial growth and security with us. Our office, located at 820 Gessner Road, Houston, Texas 77024, is available by appointment only. Contact us at (512) 537-2221 or email us at contact@attorneyamycfp.com to schedule a consultation. Let us help you transform your wealth into a lasting legacy in the great state of Texas.