Wills • Trusts • Inheritance ... Planning for your family's future.
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Welcome to Cramer Law Center

Welcome to the Cramer Law Center. Our law office is conveniently located in the Mandarin area of Jacksonville, Duval County, Florida. I am Jeffrey Cramer and as an estate planning lawyer I focus my practice on all aspects of estate planning for individuals and their families, asset protection and business planning for professionals and owners of small businesses, including preparing wills, trusts, living wills, powers of attorney, designations of healthcare surrogate, special needs trusts, revocable living trusts, buy-sell agreements, family partnerships, and family limited liability companies. The estate planning attorneys at the Cramer Law Center also focus on the legal needs of senior citizens, practicing in the area of elder law, including Medicaid planning and guardianships. In a guardianship proceeding, we can represent the interests of the person seeking to be appointed guardian or we can protect the interests of the ward, who is alleged to be incapacitated. We also are involved in all aspects of estate administration, including probate and trust administration. In situations where there has been no planning or ineffective planning, we also handle cases involving probate litigation, guardianship litigation, will contests, trust contests, disputes between heirs, removal of a trustee, removal of a personal representative, undue influence, probate fraud, breach of fiduciary duty, forged documents, trust reformation, or spouse’s elective share.

Our office is located in Duval County, but we also service the surrounding areas including Ponte Vedra Beach and St. Augustine in St. Johns County, Fernandina Beach and Amelia Island in Nassau County, Orange Park and Green Cove Springs in Clay County, Palatka in Putnam County, Palm Coast in Flagler County, MacClenny in Baker County, and Starke in Bradford County, in Northeast Florida. I hope you will find the information contained in this website useful and that you will feel free to contact an estate planning lawyer at the Cramer Law Center if you have any legal questions.

Our Mission

Our mission as estate planning attorneys is to ensure that our clients maintain control of their property while alive and well, plan for themselves and their loved ones if they become disabled and then give what they have, to whom they want, when they want and in the way they want, all while assuring their wisdom is transferred along with their wealth. We combine extensive client counseling with a continuing maintenance and education program to design estate plans that work. We focus not only on transferring financial wealth, but also on assisting clients to leave their wisdom and legacy to future generations. We do all of this in a caring and compassionate environment. Read and learn more about how we can help you in the menu under Areas of Practice.

Latest Post


UTMA AND UGMA ACCOUNTS: SMART SAVINGS PLAN OR TRAP FOR THE UNWARY?

When working with clients who have minor children, we spend a lot of time discussing the kids: their individual personalities, the values the clients are trying to instill, and concerns for their future. We do our best to craft an estate plan that will secure the children’s financial future. This usually involves planning both from a financial perspective (making sure there is enough money for future expenses, especially if something happened to the clients), with the help of the clients’ financial advisors, and from a legal standpoint (ensuring the children will have access to any money when and how the clients judge best).

We have seen many clients who used accounts set up under the Uniform Transfers to Minors Act, called “UTMA accounts” (also known as “UGMA accounts” under a prior version of the law), to save for their kids’ or grandkids’ future. These accounts allow an adult to immediately transfer money to a minor (a child under the age of 18), but retain control over the money until the child reaches a specified age (18 or 21, depending on the account). The problem is that, when the child reaches the stated age, the money must be turned over to him or her. All control by the parent is lost.

As you might imagine, not every 18- or 21-year-old is ready to responsibly manage thousands of dollars. In fact, many of our clients believe that the youngest age at which their children would be ready for that task is 25, and some wait as late as 35. Unfortunately, we have recently seen situations where a parent was forced, kicking and screaming, to hand over sizable UTMA or UGMA accounts to an irresponsible child.

It is always devastating to see a plan fail because the implications were not fully understood at the time it was made. Developing your own planning “team” of financial, tax, and estate planning professionals, who will work together to meet your goals, should allow you to avoid such a failure. Additionally, with proper trust planning, parents can maintain control over how a child may spend money for a much longer time, even for the life of the child, if desired. To learn more about protecting your children from themselves and others until they become responsible adults, attend one of our monthly “Truth About Estate Planning” workshops.

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Contact Info:

Cramer Law Center, P.L.
3030 Hartley Rd., Suite 290
Jacksonville, Fl. 32257
Duval County
904/448-9978 Phone
904/448-9979 Fax

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