Attorney Amy Zamikovsky, JD, CFP®, CPWA®: Wealth Management and Financial Planning in Waller
Welcome to Waller, a charming locale nestled in the heart of Texas, where community values and a rich cultural tapestry create a unique environment for personal and financial growth. As a Senior Financial Advisor and Texas Attorney, I am thrilled to introduce myself, Amy Zamikovsky, JD, CFP®, CPWA®, to the vibrant community of Waller. With over 15 years of experience in wealth management, estate planning, and financial planning, I am dedicated to building legacies for generations, a commitment that resonates deeply with the values of Waller and its surrounding areas.
Our journey began with a simple yet profound mission: to provide personalized financial advisory services that cater to the unique needs of each client. In Waller, where the spirit of community and tradition runs deep, I understand the importance of crafting financial strategies that not only preserve wealth but also honor the legacy of families and individuals. My credentials as a CERTIFIED FINANCIAL PLANNER® professional and Certified Private Wealth Advisor® professional, combined with my legal expertise, empower me to offer comprehensive financial planning services that are both innovative and grounded in fiduciary responsibility.
Waller is surrounded by a tapestry of towns and cities, each contributing to the rich cultural and economic landscape of the region. From the bustling streets of Houston to the serene expanses of Hempstead, the area is a melting pot of opportunities and challenges. My practice is proud to serve clients nationwide, including those with multiple residences and extensive travel schedules, ensuring that our expertise extends far beyond any single location.
In Waller, I am committed to addressing the local market needs with a focus on personal attention and care. Our services are designed to meet the diverse financial planning requirements of the community, from estate planning to wealth management. We collaborate with a network of professionals, including attorneys, trustees, administrators, and CPAs, to ensure that your estate plan aligns seamlessly with your financial goals.
Our wealth management services are rooted in sound, conservative financial planning. We believe that every investment should reflect your values and aspirations, and we work diligently to ensure that your portfolio is a true representation of your financial objectives. Settlement planning is another area where we excel, offering solutions that are often financially superior to structured products, even after taxes. We let the numbers speak for themselves, providing clarity and confidence in your financial decisions.
For those experiencing windfalls, whether through inheritance or lottery winnings, we offer strategic tax planning and retirement planning services to integrate these assets into your broader financial picture. Our tax planning services provide a clear, quantified strategy for managing estate, gift, income, and capital gains taxes, ensuring that your financial plan is optimized for long-term success.
Retirement planning is a cornerstone of our practice, and we take pride in guiding clients through all stages of life. Whether you’re preparing for retirement or already enjoying your golden years, we offer personalized advice to help you navigate this important transition. Our exit planning services are designed to maximize the value of your business, minimize taxes, and preserve your legacy for future generations.
401(k) optimization is another area where we provide valuable insights, helping you make the most of your employer-sponsored retirement account. As a fiduciary CFP® professional, I am committed to offering unbiased advice that considers your entire financial picture, even for assets I don’t directly manage.
Divorce financial planning is a sensitive and critical service we offer, providing expert guidance to help you make informed decisions during a challenging time. As your Personal Divorce Strategist, I combine my legal and financial expertise to protect your best interests, ensuring that you have a clear roadmap for financial independence.
Inheritance planning is another area where we offer compassionate and comprehensive support. We understand the emotional and financial complexities of managing an estate, and we are here to help you assemble a team of reputable professionals to navigate this process effectively.
Our firm specializes in managing portfolios of over $1 million, and we are proud to be part of professional organizations such as the Houston Association of Women Attorneys, Houston Estate and Financial Forum, and the Houston Bar Association. These affiliations reflect our commitment to excellence and our dedication to serving the community with integrity and expertise.
While we are introducing ourselves to Waller, we want to emphasize that our services are available to clients worldwide. We are not located in Waller, nor are we moving there, but we are honored to represent clients in this wonderful community and beyond.
For more information or to schedule an appointment, please contact us at our Houston office:
Office Address (By Appointment Only):
820 Gessner Road
Houston, Texas 77024
Email: contact@attorneyamycfp.com
Phone: (512) 537-2221
Thank you for considering us as your trusted partner in wealth management and financial planning. We look forward to building a lasting legacy together.
Pre-and-Post Divorce Financial Planning in Waller with Attorney Amy Zamikovsky, JD, CFP®, CPWA®
Welcome to Waller, a charming town nestled in the heart of Texas, known for its rich history and vibrant community spirit. As part of the greater Houston metropolitan area, Waller offers a unique blend of small-town charm and access to the amenities of a bustling city. Here, in this dynamic setting, we introduce you to the exceptional services of Attorney Amy Zamikovsky, JD, CFP®, CPWA®, a seasoned professional dedicated to guiding you through the complexities of pre-and-post divorce financial planning.
Meet Amy Zamikovsky, JD, CFP®, CPWA®
With over 15 years of expertise in wealth management, estate planning, and financial planning, Amy Zamikovsky stands out as 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 career trajectory includes earning her CERTIFIED FINANCIAL PLANNER® designation at Merrill Lynch and her Certified Private Wealth Advisor® designation through the Yale School of Management. As a licensed Texas Attorney, Amy leverages her legal acumen to craft personalized financial strategies that effectively build, preserve, and transfer wealth. Her commitment to 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: Tailored for Waller
Divorce can be a challenging transition, and we understand the emotional and financial complexities involved. At the heart of Waller, we offer a comprehensive approach to divorce financial planning, ensuring that your financial future is secure and prosperous. Our process is rooted in empathy and expertise, drawing from our own experiences to provide you with the support you need.
Fact-Finding
In Waller, we believe in getting to know you beyond the numbers. Our fact-finding process is thorough and compassionate, designed to uncover every detail that impacts your financial future. We aim to provide clarity and confidence during the financial negotiations of your divorce, ensuring that your customized financial plan serves as a robust foundation for the future you deserve.
Planning
The next chapter of your life begins here in Waller. We develop customized financial strategies that align with your unique goals, both immediate and long-term. Our meticulous planning process illuminates the possibilities in your new phase of life, empowering you to achieve financial independence and security.
Implementation
Real transformation occurs when plans are put into action. In Waller, 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 recommendation is made with your best interests at heart, guiding you towards a brighter financial future.
Our Commitment to Waller
While we are introducing our services to Waller, we represent clients worldwide, including those in this vibrant community. Our office, located at 820 Gessner Road in Houston, Texas, operates by appointment only, allowing us to provide personalized attention to each client. We invite you to reach out via email at contact@attorneyamycfp.com or by phone at (512) 537-2221 to learn more about how we can assist you in navigating the financial aspects of divorce.
In Waller, we are committed to delivering expert-level financial planning and wealth management services, emphasizing the importance of tax-planned strategies over structured settlements. The numbers speak for themselves, and our focus on data-driven decision-making ensures that your financial future is secure and prosperous. Let us guide you through this journey with the expertise and compassion you deserve.
Waller Lottery Winners: Secure Your Dreams with Strategic Wealth Management from Attorney Amy Zamikovsky, JD, CFP®, CPWA®
Congratulations, Waller lottery winners! You’ve just hit the jackpot, and your life is about to transform in ways you’ve only imagined. Amidst the excitement and thrill of sudden wealth, you face crucial 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 exhilarating yet overwhelming time with confidence and clarity.
Preserve Your Winnings
Safeguarding your newfound wealth is of utmost importance. 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 to protect assets and minimize taxes
- Assemble a team of vetted attorneys, CPAs, and bankers
- Maintain your privacy and security
- Manage incoming donation and investment requests
Plan for a Lifetime of Wealth
Your jackpot doesn’t have to be a one-time cash bonanza. With savvy planning, it can become 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 short and long-term lifestyle and legacy goals
- 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
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?
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 Waller, not implying that we’re located there nor moving there, only that we represent clients around the world, including but not limited to Waller.
Office Address
BY APPOINTMENT ONLY
820 Gessner Road
Houston, Texas 77024
Email: contact@attorneyamycfp.com
Phone: (512) 537-2221
Waller Structured Attorney Fees: Why Deferral Costs Millions, Even After Taxes
Imagine you’ve just won a significant case and secured 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 best financial decision? For most attorneys, especially those in the highest tax bracket, the answer is a resounding no. Let’s explore why savvy trial lawyers collaborate with a CERTIFIED FINANCIAL PLANNER® professional to analyze the numbers before making a decision.
The True Cost of Deferral
Consider that 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 take the lump sum. While this may seem daunting, let’s compare the outcomes of investing the remaining $630,000 versus deferring the full $1 million over 20 years:
Scenario 1: Invest $630K Lump Sum
- 6% annual return: $2.0 million in 20 years
- 8% annual return: $2.9 million in 20 years
Scenario 2: Defer $1M as $50K/Year for 20 Years
- Total payments: $1 million
- Net result after 20 years: $1 million
The difference is substantial. Even after paying $370,000 in taxes, you end up with $1-1.9 million more by taking the lump sum and investing it! 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 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 promote? With strategic planning, you can significantly outperform deferral after taxes:
- Maximize pre-tax retirement plans to grow funds tax-deferred
- Contribute after-tax dollars to a Roth IRA for tax-free growth
- Allocate assets tax-efficiently among 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-smart approach than the blunt deferral method.
The Hidden Fees
Another pitfall of deferral is hidden commissions. Structured settlement brokers often take 4% or more off the top. On a $1 million fee, that’s $40,000 of your money lost—an amount that could grow to $452,593 over 30 years at an 8% return! In contrast, you can invest your lump sum in low-cost index funds for a fraction of the fees.
Don’t Defer Without Professional Analysis
Before considering a structured settlement proposal, engage an experienced CERTIFIED FINANCIAL PLANNER® professional to model your unique scenario. You’ll likely 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 Waller
Waller, Texas, is a charming community nestled in the heart of Waller County. Known for its rich agricultural heritage and close-knit community, Waller offers a blend of rural tranquility and easy access to the bustling city of Houston. As we introduce ourselves to Waller, we aim to provide our expertise to clients around the world, including those in this vibrant locale.
Contact Information
Office Address (By Appointment Only):
820 Gessner Road
Houston, Texas 77024
Email: contact@attorneyamycfp.com
Phone: (512) 537-2221
We are here to assist you with your financial planning needs, ensuring that you make informed decisions that align with your long-term goals. Reach out to us for a consultation and discover how we can help you achieve financial success.
Moving Forward with Attorney Amy Zamikovsky, JD, CFP®, CPWA®: Wealth Management and Financial Planning in Waller! We’re Here for You!
Welcome to Waller, a charming community nestled in the heart of Texas, known for its rich history and vibrant culture. As we introduce our wealth management and financial planning services to Waller, we bring a commitment to excellence that aligns with the values of this unique locale. Our approach is rooted in the belief that tax-planned financial planning and wealth management offer unparalleled benefits compared to structured settlements. We let the numbers speak for themselves, ensuring that every decision is backed by solid math and strategic foresight.
Our Specialization: Where Legal Expertise Meets Customized Wealth Strategies
At the core of our services is a dedication to serving clients with portfolios exceeding $1 million. Our holistic approach is designed to help you preserve and grow your wealth while enjoying life to the fullest. From wealth management to optimized tax and estate planning strategies, our personalized solutions are tailored to align with your priorities, goals, and values. As an experienced attorney and fiduciary, Amy Zamikovsky, JD, CFP®, CPWA®, is uniquely positioned to guide you and your family through sensitive yet necessary discussions, empowering you to confidently build your ideal personal legacy.
Introducing Amy Zamikovsky, JD, CFP®, CPWA® to Waller
Amy Zamikovsky is a Senior Financial Advisor at Transform Wealth, bringing over 15 years of combined experience in wealth management, estate planning, and financial planning. With a B.S. in Biology from Southeastern Louisiana University and a J.D. from the University of Houston Law Center, Amy’s journey in financial planning began at Merrill Lynch, where she earned her CERTIFIED FINANCIAL PLANNER® designation. She further honed her expertise by obtaining the Certified Private Wealth Advisor® designation through the Yale School of Management. While Amy’s legal expertise is a cornerstone of her approach, her passion lies in educating and financially protecting the public. She even developed and teaches a State Bar of Texas CLE course focused on ethics, fiduciary duty, and legal settlement planning.
Our Specialty Services in Waller
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 current wishes.
Wealth Management
Our investment recommendations are grounded in conservative financial planning, ensuring your portfolio reflects your goals and values.
Settlement Planning
Financial planning and traditional wealth management often surpass the benefits of structured products, even after taxes. We let the math speak for itself.
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 your newfound wealth into a lasting legacy with our expertise, ensuring protection for you, your family, and your assets.
Tax Planning
Our tax planning strategies provide a clear, quantified picture of optimal paths forward, working closely with CPAs for proper implementation.
Retirement Planning
Whether preparing for retirement or already retired, we offer years of experience to guide you through life’s stages with wisdom and care.
Exit Planning
Maximize your business’s value and preserve your legacy with our comprehensive financial planning services.
401(k) Optimization
We ensure your 401(k) aligns with your broader financial goals, risk tolerance, and retirement timeline, providing advice on your entire financial picture.
Divorce Financial Planning
Our services offer expert guidance for informed decision-making during divorce, creating a roadmap for financial independence.
Personal Divorce Strategist
As your dedicated advocate, we combine legal and financial expertise to protect your interests, ensuring well-informed decisions based on facts.
Inheritance Planning
We assist in assembling a team of professionals to manage and administer estates effectively, offering support during difficult times.
Our Firm’s Expertise: Specializing in Portfolios > $1M+
We cater to high-net-worth families, business owners, medical professionals, estate executors, high-earning professionals, corporate executives, founders, professional athletes, inheritors, retirees, divorcees, and lottery winners. While our expertise extends nationwide, we’re proud to serve clients in Waller and beyond, offering services tailored to those with multiple residences and extensive travel.
Contact Us
Office Address (By Appointment Only): 820 Gessner Road
Houston, Texas 77024
Email: contact@attorneyamycfp.com
Phone: (512) 537-2221
We’re excited to bring our wealth management and financial planning expertise to Waller, offering services that reflect the community’s values and aspirations. Let us help you navigate the complexities of financial planning with confidence and clarity.
