Attorney Amy Zamikovsky, JD, CFP®, CPWA®: Wealth Management and Financial Planning in the U.S. Virgin Islands

Greetings to the vibrant community of the U.S. Virgin Islands! I am Amy Zamikovsky, JD, CFP®, CPWA®, and I am thrilled to introduce my wealth management and financial planning services to this beautiful region. With a rich tapestry of culture and history, the U.S. Virgin Islands—comprising St. Thomas, St. John, and St. Croix—offers a unique backdrop for building and preserving wealth. Our tagline, “Building Legacies for Generations,” reflects our commitment to helping you secure a prosperous future for yourself and your loved ones.

Our journey began with a passion for empowering individuals through financial education and strategic planning. With over 15 years of experience, I have honed my skills in wealth management, estate planning, and financial advisory services. My academic journey took me from earning a B.S. in Biology at Southeastern Louisiana University to obtaining a J.D. from the University of Houston Law Center. My professional path includes earning the CERTIFIED FINANCIAL PLANNER® and Certified Private Wealth Advisor® designations, equipping me with the expertise to guide you through complex financial landscapes.

In the U.S. Virgin Islands, where the natural beauty is matched by a dynamic economic environment, I understand the importance of addressing local market needs. Whether you’re in bustling Charlotte Amalie on St. Thomas, the serene landscapes of St. John, or the cultural richness of Christiansted on St. Croix, my services are tailored to meet your unique financial goals. As a fiduciary, I am legally and ethically committed to acting in your best interests, ensuring that every decision we make together is aligned with your aspirations.

Our comprehensive suite of services includes estate planning, where we collaborate with your team of professionals to ensure your estate plan reflects your wishes and integrates seamlessly with your financial strategy. In wealth management, we base every investment recommendation on sound, conservative financial planning, ensuring your portfolio aligns with your values and goals.

For those navigating settlements, our financial planning and traditional wealth management services often prove superior to structured products, even after taxes. We let the numbers guide us, providing clarity and confidence in your financial decisions.

Windfall and lottery planning are also within our expertise, offering strategic tax planning and investment opportunities to transform sudden financial gains into lasting legacies. Our tax planning services cover estate, gift, income, and capital gains taxes, working closely with CPAs to implement optimal strategies.

Retirement planning is another cornerstone of our offerings, providing guidance whether you’re preparing for retirement or already enjoying it. Our exit planning services help you maximize your business’s value and preserve your legacy, while 401(k) optimization ensures your retirement accounts align with your broader financial goals.

For those experiencing divorce, our financial planning and personal divorce strategist services offer objective, informed guidance. We evaluate settlement options and create a roadmap for financial independence, ensuring you never face critical decisions alone.

Inheritance planning is handled with sensitivity and expertise, assisting you in assembling a team of professionals to manage and administer estates effectively, regardless of jurisdiction.

As a proud member of professional organizations such as the Houston Association of Women Attorneys and the National Association of Personal Financial Advisors, I bring a wealth of knowledge and a network of resources to serve clients nationwide, including those in the U.S. Virgin Islands. Our services extend beyond borders, supporting clients with multiple residences and extensive travel.

While I am not currently practicing law, my legal background enhances my ability to craft customized financial strategies that build, preserve, and transfer wealth effectively. I am dedicated to providing personal attention and care to each client, valuing the trust and opportunity you grant me to guide your financial journey.

Thank you for welcoming me into your community. I look forward to helping you build a legacy that reflects your dreams and values, ensuring prosperity for generations to come. Please feel free to reach out to me by appointment at our Houston office, or contact me via email or phone. Together, let’s transform your wealth into a lasting legacy.

Pre-and-Post Divorce Financial Planning in the U.S. Virgin Islands with Attorney Amy Zamikovsky, JD, CFP®, CPWA®

Navigating the complexities of divorce can be particularly challenging, especially in a unique locale like the U.S. Virgin Islands. Known for its vibrant culture, stunning beaches, and a rich history influenced by various European powers, the U.S. Virgin Islands is a place where community and tradition hold significant value. Here, the financial landscape is as diverse as its cultural tapestry, making it essential to have a seasoned professional like Attorney Amy Zamikovsky, JD, CFP®, CPWA®, by your side.

Introducing Amy Zamikovsky, JD, CFP®, CPWA®

With over 15 years of expertise in wealth management, estate planning, and financial planning, Amy Zamikovsky is a Senior Financial Advisor at Transform Wealth. 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. Amy’s professional path led her to earn the CERTIFIED FINANCIAL PLANNER® designation while at Merrill Lynch, and later, the Certified Private Wealth Advisor® designation through the Yale School of Management. As a licensed Texas Attorney, Amy leverages her legal acumen to craft bespoke financial strategies that effectively build, preserve, and transfer wealth. Her commitment to public education and financial protection is evident in her development and instruction of a State Bar of Texas CLE course focused on ethics, fiduciary duty, and legal settlement planning.

Divorce Financial Planning

Divorce is a significant life transition, and in the U.S. Virgin Islands, where the community is closely knit, it can be even more impactful. We understand your concerns because we’ve been there ourselves. Our approach is grounded in empathy and expertise, ensuring that your financial future is secure and promising.

Fact-Finding

Our process begins with understanding you—the real you. We delve into your financial landscape with a compassionate and thorough approach, ensuring that every detail impacting your financial future is considered. This meticulous fact-finding mission provides clarity and confidence during the financial negotiations of your divorce. In the U.S. Virgin Islands, where the cost of living can vary significantly across its islands, having a clear financial picture is crucial. Your customized financial plan will serve as a robust foundation for the future you deserve.

Planning

The next chapter of your life starts here. We develop personalized financial strategies tailored to your unique goals, both immediate and long-term. Our planning process identifies your short-term needs while laying the groundwork for long-term financial independence. In a place as dynamic as the U.S. Virgin Islands, where economic opportunities can be as diverse as the islands themselves, our meticulous planning process illuminates all that is possible in your new phase of life.

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 implement our strategies. As your fiduciary, we ensure that every personalized recommendation is genuinely in your best interest. In the U.S. Virgin Islands, where the legal and financial systems are influenced by both local and U.S. federal regulations, having a knowledgeable advisor is invaluable.

Our Commitment

While we are introducing ourselves to the U.S. Virgin Islands, we want to emphasize that we represent clients globally, including those in this beautiful region. Our office is based in Houston, Texas, but our reach and expertise extend far beyond, ensuring that we can provide the same level of dedicated service to clients in the U.S. Virgin Islands as we do elsewhere.

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

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

In the U.S. Virgin Islands, where the blend of cultures and histories creates a unique backdrop for financial planning, having a partner like Amy Zamikovsky, JD, CFP®, CPWA®, ensures that your financial journey is as seamless and rewarding as possible.

U.S. Virgin Islands Lottery Winners: Secure Your Dreams with Strategic Wealth Management from Attorney Amy Zamikovsky, JD, CFP®, CPWA®

Congratulations to all the lucky lottery winners in the beautiful U.S. Virgin Islands! Your life is about to transform in ways you may have only imagined while enjoying the serene beaches and vibrant culture of this Caribbean paradise. However, amidst the excitement 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 assisting high-net-worth individuals, I’m here to guide you through this exhilarating yet complex journey with confidence and clarity.

Preserve Your Winnings

In the U.S. Virgin Islands, where the azure waters meet lush landscapes, protecting 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 help you:

  • Develop a comprehensive trust and estate plan to safeguard assets and minimize taxes
  • Assemble a team of vetted attorneys, CPAs, and bankers
  • Maintain your privacy and security amidst the close-knit island community
  • Manage incoming donation and investment requests with discretion

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 short and long-term lifestyle and legacy goals, whether it’s investing in local businesses or supporting community initiatives
  • 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, ensuring your legacy endures in the U.S. Virgin Islands

Give with Confidence

If philanthropy is one of your priorities, I am delighted to guide you in transforming one-time gifts into lasting charitable endeavors. 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 and community for generations.

Enjoy Your Winnings

Now is the time to reward yourself and your loved ones! Whether it’s purchasing a dream home overlooking the stunning vistas of St. Thomas, embarking on a world tour, setting up a college fund, or acquiring that sports car you’ve always desired, I’ll show you how to prudently earmark funds. 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 misstep 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 transform sudden windfalls into lasting wealth. My background as an attorney also enables 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.

This is my location. Remember that we are just introducing ourselves to the U.S. Virgin Islands, not implying that we’re located there nor moving there, only that we represent clients around the world, including but not limited to the U.S. Virgin Islands.

Office Address

BY APPOINTMENT ONLY
820 Gessner Road
Houston, Texas 77024

Email: contact@attorneyamycfp.com

Phone: (512) 537-2221

U.S. Virgin Islands Structured Attorney Fees: Why Deferral Costs Millions, Even After Taxes

Imagine the sun setting over the pristine beaches of the U.S. Virgin Islands, a place where the vibrant culture and rich history blend seamlessly with the natural beauty of the Caribbean. Here, amidst the swaying palm trees and rhythmic sounds of steel drums, the importance of sound financial planning becomes even more apparent. As an attorney who has just won a significant case, securing a $1 million contingency fee, you might be tempted by the allure of a “tax-advantaged” annuity offered by a structured settlement broker. However, is deferring your fee truly the wisest financial decision? For most attorneys, even those in the highest tax bracket, the answer is a resounding no. Let’s delve into why savvy trial lawyers partner with a Certified Financial Planner® (CFP®) 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 opt for a lump sum. It may seem daunting, but let’s explore the potential outcomes of investing the remaining $630,000 versus deferring the entire $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 could end up with $1 to $1.9 million more by taking the lump sum and investing it! Over a longer horizon, the benefits compound further. Over 30 years at an 8% return, the lump sum could grow to $6.4 million after tax, compared to just $1.5 million with deferral.

Lost Opportunity and Liquidity

Beyond the sheer financial disparity, a lump sum provides invaluable liquidity and flexibility. Whether you need funds for a promising investment or an unexpected expense, a securities-based loan can be a lifeline. Unfortunately, banks are unlikely to lend against deferred fees. Moreover, if you wish to adjust your investments or estate plan, your money remains inaccessible if tied up in a structured settlement.

More Tax-Efficient Growth

Structured settlement companies often tout “tax-free growth,” but with strategic planning, you can achieve far superior results after taxes:

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

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

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, 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, consult with an experienced CFP® professional to model your unique scenario. More often than not, 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, reach out to us today. We can help you maximize your hard-earned wealth, ensuring that your financial future is as bright as the sunlit shores of the U.S. Virgin Islands.

Contact Information

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

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

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

Embrace the wisdom of numbers and let us guide you through the complexities of financial planning. With over 15 years of expertise, Amy Zamikovsky, JD, CFP®, CPWA®, is here to ensure your financial strategies are as robust and resilient as the rich cultural tapestry of the U.S. Virgin Islands.

Moving Forward with Attorney Amy Zamikovsky, JD, CFP®, CPWA®: Wealth Management and Financial Planning in the U.S. Virgin Islands! We’re Here for You!

Welcome to the U.S. Virgin Islands, a stunning Caribbean paradise known for its vibrant culture, rich history, and breathtaking landscapes. As you navigate the complexities of wealth management and financial planning, it’s essential to have a trusted advisor by your side who understands the unique financial landscape of this beautiful region. Enter Amy Zamikovsky, JD, CFP®, CPWA®, a Senior Financial Advisor at Transform Wealth, who brings over 15 years of expertise in wealth management, estate planning, and financial planning to clients in the U.S. Virgin Islands and beyond.

Why Choose Tax-Planned Financial Planning?

In the U.S. Virgin Islands, where the blend of American and Caribbean influences creates a unique economic environment, tax-planned financial planning is crucial. The benefits of such planning far outweigh those of structured settlements. By focusing on numbers and letting the math guide decisions, Amy Zamikovsky helps clients achieve financial clarity and security. Her approach ensures that every financial strategy is tailored to optimize tax efficiency, preserve wealth, and align with your personal goals and values.

Our Specialization: Where Legal Expertise Meets Customized Wealth Strategies

Amy Zamikovsky’s dual expertise as a Certified Financial Planner® professional and Certified Private Wealth Advisor® professional, combined with her legal background, positions her uniquely to address the financial needs of high-net-worth individuals in the U.S. Virgin Islands. Whether you’re a business owner, medical professional, or retiree, Amy’s holistic approach to financial planning helps you preserve and grow your wealth while enjoying the island lifestyle.

Tailored Financial Solutions for Portfolios Over $1M

For those with portfolios exceeding $1 million, Amy’s personalized solutions are designed to meet the unique challenges and opportunities of managing significant wealth. From wealth management to optimized tax and estate planning strategies, Amy ensures that your financial plan reflects your priorities and supports your long-term vision.

Empowering You to Build Your Ideal Legacy

As an experienced attorney and fiduciary, Amy Zamikovsky guides you and your family through sensitive financial discussions with empathy and expertise. Her customized strategies empower you to confidently build your ideal personal legacy, ensuring that your wealth is preserved and transferred according to your wishes.

Comprehensive Financial Services

  • Estate Planning: Collaborating with your team of professionals, Amy ensures your estate plan aligns with your financial goals and reflects your current wishes.
  • Wealth Management: Every investment recommendation is based on sound, conservative financial planning, ensuring your portfolio aligns with your values and goals.
  • Settlement Planning: Financial planning and traditional wealth management often surpass the benefits of structured products, even after taxes.
  • Windfall Planning: Strategic tax planning and careful integration with existing finances lay the foundation for lasting prosperity.
  • Lottery Planning: Transform your newfound wealth into a lasting legacy with expert guidance.
  • Tax Planning: From estate to capital gains taxes, Amy provides a clear picture of optimal strategies moving forward.
  • Retirement Planning: Whether preparing for retirement or already retired, Amy’s expertise supports you through all life stages.
  • Exit Planning: Maximize your business’s value and preserve your legacy with comprehensive financial planning.
  • 401(k) Optimization: Ensure your retirement account aligns with your broader financial goals.
  • Divorce Financial Planning: Make informed decisions with expert guidance tailored to your unique situation.
  • Personal Divorce Strategist: As your advocate, Amy combines her legal and financial expertise to protect your interests.
  • Inheritance Planning: Navigate the complexities of estate administration with confidence and support.

Serving Clients Nationwide

While Amy Zamikovsky is proud to serve clients in the U.S. Virgin Islands, her expertise extends far beyond this location. With a client base that includes high-net-worth families, business owners, and professionals across the globe, Amy’s services are tailored to meet the diverse needs of those with multiple residences and extensive travel schedules.

Contact Us

For personalized financial planning and wealth management services that align with your unique needs and goals, contact Amy Zamikovsky today.

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

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

Discover how Amy Zamikovsky, JD, CFP®, CPWA®, can help you navigate the financial landscape of the U.S. Virgin Islands and beyond, empowering you to build and sustain generational wealth.