Attorney Amy Zamikovsky, JD, CFP®, CPWA®: Wealth Management and Financial Planning in the United States

Welcome to the world of Attorney Amy Zamikovsky, JD, CFP®, CPWA®, where we are dedicated to building legacies for generations. As a Senior Financial Advisor and a licensed Texas attorney, I am thrilled to extend my expertise in wealth management and financial planning to clients across the United States. With over 15 years of experience, I have honed my skills in estate planning, financial advisory services, and wealth management, ensuring that each client receives personalized attention and care.

Our journey began in the vibrant city of Houston, Texas, a hub of cultural diversity and economic opportunity. From the bustling streets of New York City to the serene landscapes of the Midwest, our services cater to the unique financial needs of individuals and families nationwide. Whether you’re in the tech-savvy corridors of Silicon Valley or the historic charm of Boston, we understand the local market dynamics and are here to guide you through your financial journey.

As a CERTIFIED FINANCIAL PLANNER® professional and a Certified Private Wealth Advisor® professional, I am committed to acting as a fiduciary, ensuring that your best interests are always at the forefront. This fiduciary duty is a cornerstone of our practice, as we manage your wealth with integrity and transparency. Our clients often have multiple residences and travel extensively, and we take pride in offering expertise that transcends geographic boundaries.

Our services are comprehensive and tailored to meet the diverse needs of our clients. In estate planning, we collaborate with a network of professionals, including attorneys, trustees, and CPAs, to ensure your estate plan aligns seamlessly with your financial goals. Our wealth management strategies are grounded in conservative financial planning, ensuring that your investments reflect your values and aspirations.

Settlement planning is another area where we excel, offering financial planning solutions that often surpass the benefits of structured settlements. We let the numbers speak for themselves, demonstrating the financial advantages of our approach, even after taxes.

For those experiencing windfalls, such as lottery winnings or unexpected cash flow surges, we provide strategic tax planning and retirement planning to integrate these funds into your broader financial picture. Our tax planning services cover estate taxes, gift taxes, income taxes, and more, working closely with CPAs to implement optimal strategies.

Retirement planning is a personal passion of mine, and I am honored to guide clients through this significant life transition. Whether you’re preparing for retirement or already enjoying it, we offer expertise to ensure your financial security and peace of mind.

Exit planning is crucial for business owners looking to maximize their company’s value and preserve their legacy. Our team of financial experts works diligently to transform your hard work into lasting prosperity.

Our 401(k) optimization services help you make the most of your retirement accounts, aligning them with your financial goals and risk tolerance. As a fiduciary CFP® professional, I provide comprehensive advice on your entire financial picture.

Divorce financial planning is another area where we offer specialized support. As your Personal Divorce Strategist, I combine my legal and financial expertise to protect your interests and guide you through this challenging time. From asset valuation to wealth preservation strategies, we ensure you never face critical decisions alone.

Inheritance planning is a sensitive area where we offer compassionate guidance. We help you navigate the complexities of estate administration, ensuring a smooth transition during a difficult time.

Our firm specializes in managing portfolios exceeding $1 million, and we are proud to be associated with esteemed organizations such as the Houston Association of Women Attorneys, the Houston Estate and Financial Forum, and the National Association of Personal Financial Advisors (NAPFA).

While our office is based in Houston, Texas, we serve clients nationwide, offering appointments by request. We are grateful for the trust our clients place in us and are committed to delivering exceptional service and results.

For inquiries or to schedule a consultation, please contact us at contact@attorneyamycfp.com or call (512) 537-2221. We look forward to partnering with you on your financial journey and helping you build a legacy that lasts for generations.

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

Navigating the financial intricacies of divorce can be daunting, but with Attorney Amy Zamikovsky, JD, CFP®, CPWA®, you have a seasoned expert by your side. With over 15 years of experience in wealth management, estate planning, and financial planning, Amy brings a wealth of knowledge and a compassionate approach to help you through this challenging time. As a Senior Financial Advisor at Transform Wealth and a licensed attorney in Texas, Amy is uniquely positioned to offer insights that blend legal acumen with financial strategy, ensuring your financial future is secure.

Divorce Financial Planning

At the heart of our services is a deep understanding of the emotional and financial complexities that accompany divorce. We don’t just work with clients like you; we’ve been there ourselves. This personal experience fuels our commitment to providing exceptional service and expert-level guidance.

Fact-Finding

Our process begins with a comprehensive fact-finding mission. We take the time to get to know you—the real you. This isn’t just about numbers; it’s about understanding your unique situation and aspirations. Our thorough yet compassionate approach ensures that every detail impacting your financial future is considered. By delving into your financial picture, we aim to provide clarity and confidence during the financial negotiations of your divorce. Your customized financial plan will serve as a robust foundation for building the future you deserve.

Planning

The next chapter of your life starts here. We craft tailored financial strategies that align with your unique goals, both current and future. Our meticulous planning process sheds light on all that is possible in your new phase of life. We work together to identify your short-term needs while building towards long-term financial independence. This strategic planning is crucial, especially in the United States, where divorce can significantly impact financial stability. According to the U.S. Census Bureau, nearly 50% of marriages end in divorce, highlighting the importance of having a solid financial plan in place.

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 ensure that every personalized recommendation is truly in your best interest. This commitment to your financial well-being is underscored by our adherence to the highest ethical standards, as Amy teaches a State Bar of Texas CLE course on ethics, fiduciary duty, and legal settlement planning.

Why Choose Tax-Planned Financial Planning?

In the United States, the financial landscape is complex, with tax laws that can significantly impact your wealth management strategy. Choosing tax-planned financial planning and wealth management offers benefits far superior to structured settlements. The numbers don’t lie—strategic tax planning can lead to substantial financial advantages. By focusing on the math, we help you make informed decisions that maximize your financial potential.

Introducing Amy Zamikovsky, JD, CFP®, CPWA®

Amy Zamikovsky is not just a financial advisor; she is a trusted partner in your financial journey. With a B.S. in Biology from Southeastern Louisiana University and a J.D. from the University of Houston Law Center, Amy combines her scientific background with legal expertise to offer a holistic approach to financial planning. Her credentials as a CERTIFIED FINANCIAL PLANNER® professional and Certified Private Wealth Advisor® professional, earned through prestigious institutions like Merrill Lynch and the Yale School of Management, speak to her dedication and expertise.

Our Commitment to You

While we are based in Houston, Texas, our reach extends globally, including clients in the United States. We are here to introduce ourselves, not to imply relocation, but to emphasize our commitment to serving clients worldwide. Our office operates by appointment only, ensuring personalized attention to each client’s needs.

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

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

In choosing Amy Zamikovsky, JD, CFP®, CPWA®, you are choosing a partner dedicated to your financial success. Let us help you navigate the complexities of divorce with confidence and clarity, ensuring a secure financial future.

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

Congratulations, United States lottery winners! You’ve just hit the jackpot, and your life is about to transform in ways you may have only imagined. Amidst the excitement and shock of sudden wealth, you face critical decisions that will impact your financial security for generations. As a CERTIFIED FINANCIAL PLANNER® professional, Certified Private Wealth Advisor® professional, and 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 by establishing a robust trust and estate plan.
  • Assemble a Team of Experts: I’ll connect you with a team of vetted attorneys, CPAs, and bankers to ensure your wealth is managed with the utmost expertise.
  • Maintain Privacy and Security: Safeguard your personal information and financial details from unwanted attention.
  • Manage Incoming Requests: Efficiently handle donation and investment requests to ensure your wealth is preserved and grown wisely.

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 Lifestyle and Legacy Goals: Establish both short and long-term goals to ensure your wealth supports your desired lifestyle and legacy.
  • Invest for Growth and Preservation: Optimize your portfolio for growth, income, and capital preservation.
  • Maximize Tax Efficiency: Utilize strategic accounts and asset allocation to minimize tax liabilities.
  • Secure Retirement: Invest in income-generating assets to ensure a comfortable and secure retirement.
  • Establish Trusts and Gifts: Plan for future generations with trusts and gifting strategies that align with your values.

Give with Confidence

If philanthropy is one of your priorities, it is my personal pleasure to guide you in 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, JD, CFP®, CPWA®?

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

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

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

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

You’ve just triumphed in a major legal case, securing a $1 million contingency fee. The allure of deferring this fee into a “tax-advantaged” annuity, as suggested by a structured settlement broker, might seem appealing. However, is this truly the optimal financial decision? For most attorneys, even those in the highest tax bracket, the answer is a resounding no. Here’s why astute 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, that translates to a $370,000 tax bill if you opt for a lump sum. While that might sting, let’s delve into the comparison between 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 disparity is striking. Even after paying $370,000 in taxes, by choosing the lump sum and investing, you could end up with an additional $1 to $1.9 million. The long-term benefits are even more pronounced. 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 gap, a lump sum offers invaluable liquidity and leverage. Should you 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 locked up, limiting your flexibility.

More Tax-Efficient Growth

What about the “tax-free growth” that structured settlement companies often highlight? With strategic planning, you can significantly outperform deferral after tax:

  • Maximize contributions to pre-tax retirement plans for tax-deferred growth
  • Use after-tax dollars in 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 craft a far more tax-savvy 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 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 only a fraction of the fees.

Don’t Defer Without Professional Analysis

Before considering a structured settlement proposal, engage 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 us today to explore how we can help you maximize your hard-earned wealth.

This is My Location

While we are introducing ourselves to the United States, it’s important to note that we represent clients globally, including but not limited to the United States.

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

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

Amy Zamikovsky, JD, CFP®, CPWA® is a Senior Financial Advisor at Transform Wealth with over 15 years of combined experience in wealth management, estate planning, and financial planning. She holds a B.S. in Biology from Southeastern Louisiana University and a J.D. from the University of Houston Law Center. While working 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 the State of Texas, Amy leverages her legal expertise to craft customized financial strategies that efficiently 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.

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

In the vast and diverse landscape of the United States, where financial regulations and economic opportunities vary significantly from state to state, navigating wealth management and financial planning requires a nuanced understanding of both local and national contexts. As a Senior Financial Advisor at Transform Wealth, I, Amy Zamikovsky, JD, CFP®, CPWA®, bring over 15 years of experience in wealth management, estate planning, and financial planning to clients across the nation. 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. While at Merrill Lynch, I earned my CERTIFIED FINANCIAL PLANNER® designation, and later, my Certified Private Wealth Advisor® designation through the Yale School of Management.

The Importance of Tax-Planned Financial Planning

In the United States, where tax laws can significantly impact financial outcomes, choosing tax-planned financial planning over structured settlements is crucial. The numbers speak for themselves—tax-efficient strategies often yield superior financial benefits. Our focus is on the math, which never lies, ensuring that your wealth is preserved and grown effectively. As an experienced attorney and fiduciary, I am uniquely positioned to guide you through these complex financial landscapes, empowering you to build a personal legacy that aligns with your values and goals.

Our Specialization: Where Legal Expertise Meets Customized Wealth Strategies

Our expertise is particularly beneficial for portfolios exceeding $1 million. We offer a holistic approach that helps clients preserve and grow their wealth while enjoying life. From wealth management to optimized tax and estate planning strategies, our personalized solutions are designed to align with your priorities. We understand the unique challenges and opportunities that come with managing significant wealth, and our strategies are tailored to meet these needs.

Nationwide Expertise with a Local Touch

While we proudly serve clients nationwide, including those with multiple residences and extensive travel schedules, our expertise extends far beyond any single location. We offer specialized services 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 are designed to cater to the diverse needs of our clients, ensuring that their financial plans are as dynamic as their lifestyles.

Comprehensive Financial Services

  • Estate Planning: We collaborate with your team of professionals, from attorneys to CPAs, to ensure your estate plan reflects your current wishes and integrates seamlessly with your financial plan.

  • Wealth Management: Our investment recommendations are based on sound, conservative financial planning, ensuring your portfolio aligns with your goals and values.

  • Settlement Planning: We demonstrate that financial planning and traditional wealth management often surpass the benefits of structured products, even after taxes.

  • Windfall Planning: Strategic tax planning, retirement planning, and alternative investments are key to integrating cash flow surges with existing finances for lasting prosperity.

  • Lottery Planning: Transform newfound wealth into a lasting legacy with our expertise, protecting your family and assets.

  • Tax Planning: We provide a clear, quantified picture of optimal strategies for estate, gift, income, and capital gains taxes, working closely with CPAs for proper implementation.

  • Retirement Planning: Whether preparing for retirement or already retired, we offer guidance through all life stages, ensuring your financial security.

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

  • 401(k) Optimization: We help you optimize your retirement account, ensuring alignment with your broader financial goals and risk tolerance.

  • Divorce Financial Planning: Our services provide expert guidance for informed decision-making during divorce, creating a roadmap for financial independence.

  • Personal Divorce Strategist: As your dedicated advocate, I combine my expertise as an attorney and Certified Financial Planner® professional to protect your interests during divorce proceedings.

  • Inheritance Planning: We assist in managing and administering estates, ensuring a smooth transition during difficult times.

Our Commitment to You

At Transform Wealth, we are committed to providing exceptional financial planning and wealth management services. Whether you’re navigating the complexities of divorce, managing a windfall, or planning for retirement, our team is here to support you every step of the way. We understand that each client’s situation is unique, and we tailor our services to meet your specific needs.

For more information or to schedule an appointment, please contact us at:

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

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

We look forward to helping you achieve your financial goals and build a lasting legacy.