Wills • Trusts • Inheritance ... Planning for your family's future.
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Jeff A. Cramer

Jeff A. Cramer

Jeffrey A. Cramer holds an undergraduate degree from Vanderbilt University and a Doctor of Jurisprudence (J.D.), with honors, from the University of Florida College of Law, where he served on the Editorial Board of the Law Review. He has been admitted to practice law in all state and federal courts in Florida. With more than 35 years experience as a civil trial lawyer, Jeff successfully has handled a wide variety of personal injury and employment-discrimination claims, contract and family disputes, as well as probate and guardianship contests in both trial and appellate courts. Jeff also has been an adjunct professor of employment law at Florida Coastal School of Law, a frequent lecturer at continuing legal education seminars and has published several articles on civil trial issues.

Jeff has been certified by the Florida Supreme Court as both a circuit court and family mediator. He has received the highest rating from his peers, “AV” by the Martindale- Hubbell Company, is listed in the “Bar Register of Preeminent Lawyers” and “Who’s Who in American Law”. Jeff has served as Escambia-Santa Rosa County Bar Association President and both as Northwest Florida Chapter President and member of the National Board of Directors of the prestigious American Board of Trial Advocates.

The extensive trial experience gathered from handling thousands of diverse civil matters has provided the skills necessary for Jeff to embark on the next phase of his career, helping people and families to plan effectively for their future. For the past several years Jeff has focused his law practice on estate planning, estate administration (including probate), guardianship and elder law. During this time he has developed a Three-Step estate planning process that is unique in Jacksonville. With Cramer Law Center’s Life Legacy TM program, Jeff keeps his clients’ estate plans current and up to date on an annual basis. He is a member of the National Network of Estate Planning Attorneys, an experienced, cutting-edge group of forward thinking lawyers who collaborate and educate on the latest estate planning laws and techniques. Jeff also is a certified legacy advisor helping clients pass on their wisdom along with their wealth. As a result, Cramer Law Center now offers clients the combination of the support of a group of experienced estate planning colleagues from around the country along with Jeff’s own extensive legal background and experience.

Jeff is married and his wife, Melinda, is the office’s resident “right-brain” person, assisting clients’ with leaving a legacy for their loved ones and putting the fun into estate planning. Together, Jeff and Melinda have three children and a grandson, Henry, who now is the focus of their time outside the office.

  • Five Flags Sertoma Club
    - President, 1985 – 1986
    - Distinguished Honor Club Award, 1986
  • Leadership Pensacola, 1985 – 1986
  • Pensacola Vanderbilt Club
    - President, 1985 – 1990
  • Sertoma International
    - Gulf Coast District Governor, 1986 – 1987
    - Distinguished Governor Award, 1987
  • Speech and Hearing Board, Baptist Health Care Foundation, 1987
  • Temple Beth-El
    - Board of Trustees, 1987 – 1988
  • Partners in Education
    - Warrington Elementary School – Pensacola, 1990 – 1998
    - Rufus Payne Elementary School – Jacksonville, 1994 – 2000
  • Etz Chaim Synagogue
    - Board of Directors, 2002 – 2003
  • Jacksonville Vanderbilt Club
    - Alumni Recruiting Chair, 2005 – 2008
  • Southside Businessmen’s Club

  • National Network of Estate Planning Attorneys
  • Certified Legacy Advisor – Sunbridge Legacy
  • Estate Planning Council of Northeast Florida
  • Florida Bar Elder Law Section
  • Martindale-Hubbell Rating: “AV”
  • Listed in the “Bar Register of Preeminent Lawyers” and “Who’s Who in American Law”
  • Escambia-Santa Rosa County Bar Association President, 1990 – 1991
  • American Board of Trial Advocates
  • - Northwest Florida Chapter President, 1992 - National Board of Directors, 1993
  • Board Certified Civil Trial Lawyer, June, 1990 – May 31, 2005
  • International Association of Defense Counsel, 1993-1998
  • Circuit Court Certified Mediator, January, 1995 – December, 2008
  • Certified Family Law Mediator, January, 2005 – December, 2008
  • Board Certified Worker’s Compensation Lawyer, August, 1988 – August, 2003
  • Florida Bar
  • - Worker’s Compensation Rules Committee, 1980 – 1983 - Health Law Committee, 1983 – 1986

  • Waiver of the Psychotherapist-Patient Privilege: The “Garden Variety” Damages Conundrum The checkoff, Florida Bar Labor and Employment Section, March, 2008.
  • Consumer Protection Under the Florida Consumer Finance Act: - Illusion or Reality?
    - 27 U.Fla. Law Review (Winter, 1975)
  • Discovery of Hospital and Medical Records, 58 Fla. Bar Journal (March,1984)
  • Guest Editor, Worker’s Compensation Section News and 440 Report
    - (March/April 1985 and November/December 1985)

1975 – 1984

Stallworth v. Monsanto Co. 558 F. 2d 257 (5th Cir. 1977); Cavalier Ins. Corp. v. Myles, 347 So. 2d 1060 (Fla. 1st DCA 1977); Hamm v. City of Milton, 358 So.2d 121 (Fla. 1st DCA 1978); Blue Shield of Fla. v. Woodlief, 359 So.2d 883 (Fla. 1st DCA 1978); Whitney v. United States, 451 F.Supp. 669 (N.D. Fla. 1978); Tri-County Community Council v. Gillis, 384 So.2d 48 (Fla. 1st DCA 1980); Armour & Co. v. Cannon, 384 So.2d 1128 (Fla. 1st DCA 1981); Exxon Office Systems Co., QWIP Division v. Lewis, 422 So.2d 955 (Fla. 1st DCA 1982); Universal Corp. v. Lawson, 447 So.2d 293 (Fla. 1st DCA 1984); DOT v. Hanes, 448 So.2d 1130 (Fla. 1st DCA 1984)

635 West Garden Street
Pensacola, Florida 32501
1984 -1998

Nicholas v. Nationwide Mutual Fire Ins. Co., 503 So.2d 993 (Fla. 1st DCA 1987); Dennison & Sansom, P.A. v. Gregory, 506 So. 2d 1044 (Fla. 1st DCA 1987); Cincinnati Ins. Co. v. Moffett, 513 So.2d 1345 (Fla. 1st DCA 1987); Distinctive Builders of Panama City, Inc. v. Walker, 518 So.2d 1351 (Fla. 1st DCA 1988); United States Fire Ins. Co. v. Coachmen Industries, Inc., 528 So. 2d 1351 (Fla. 1st DCA 1988); Winn-Dixie Stores, Inc. v. Morgan, 533 So. 2d 783 (Fla 1st DCA 1988); Hepworth v. Hatcher, 553 So. 2d 1169 (Fla. 1st DCA 1989); Franklin v. Nationwide Mutual Fire Ins. Co., 566 So. 2d 529 (Fla. 1st DCA 1990); Wyse v. Fitzgerald & Co., 581 So. 2d 170 (Fla. 1st DCA 1991); Imhof v. Nationwide Mutual Ins. Co., 614 So.2d 622 (Fla. 1st DCA 1993); Coulter v. Consolidated Employment Benefits, 638 So. 2d 940 (Fla. 1st DCA 1994); Hart v. Corbin’s Bailed Pine Straw, 641 So. 2d 867 (Fla. 1st DCA 1994); Imhof v. Nationwide Mutual Ins. Co., 643 So.2d 617 (Fla. 1994); Wright v. Florida Hardware Co., 659 So. 2d 1093 (Fla. 1st DCA 1995); Guarantee Mutual Life Co. v. McCartney, 672 So.2d 636 (Fla. 1st DCA 1996); B.R. v. Pope & Associates, 675 So. 2d 124 (Fla. 1st DCA 1996); G’Sell v. Odom, 675 So. 2d 932 (Fla. 1st DCA 1996); American International Adjusting Co. v. Fireman’s Fund, 679 So. 2d 776 (Fla. 1st DCA 1996).

4217 Baymeadows Rd., Suite 1
Jacksonville, Florida 32217
1993 – Present

Rowe v. Board of Trustees for the Florida School for the Deaf and Blind, 70 F. Supp. 2d 1283 (M.D. Fla. 1998); Hunt v. Exxon Co., USA, 747 So 2d 966 (Fla. 1st DCA 2000); Lore v. Barr, 771 So. 2d 589 (Fla. 1st DCA 2000); Green v. Office of the Sheriff’s Office, 2002 U.S. Dist. LEXIS 26485 (M.D. Fla. 2002); Fowler v. Florida Department of Corrections, 849 So. 2d 299 (Fla. 1st DCA 2003); Skritch v. Thornton, 2003 U.S. Dist. LEXIS 27200 (M.D. Fla. Mar. 27, 2003); Prudential Ins. Co. of America v. Tolbert, 320 F.Supp. 2d 1378 (S.D. Ga. 2004); Suelter v. State, 894 So. 2d 250 (Fla. 1st DCA 2005); Espirit v. Moore, 2005 U.S. Dist. LEXIS (M.D.Fla. Apr.19, 2005); Wheeler v. Florida Department of Corrections, 2006 U.S. Dist. LEXIS 57048 (M.D. Fla. Aug. 9, 2006); Youngblood v. Florida Department of Health, 224 Fed.Appx. 909 (11th Cir. 2007)/2006 U.S. Dist. LEXIS 4391 (M.D. Fla. Feb. 6, 2006); Mathews v. Crosby, 480 F.3d 1265 (11th Cir. 2007); Pittman v. Tucker, 213 Fed. Appx. (11th Cir. 2007); Pittman v. Svir, 2006 U.S. Dist. LEXIS 3705 (M.D. Fla. Jan. 30, 2006)

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Amelia Hough Henderson

Associate Attorney

Amelia Hough Henderson

Amelia Hough Henderson

Amelia Hough Henderson is an attorney and counsellor at law. A graduate of the University of Florida, Amelia earned both her undergraduate degree in Business Administration and her juris doctor (J.D.) with honors. Amelia joined Cramer Law Center in October, 2011.

As an associate attorney at the firm, Amelia focuses her practice on estate planning, probate and trust administration, guardianship, guardian advocacy, and elder law. In law school, Amelia excelled in writing, earning the book award for the highest grade in her Legal Research and Writing class and rising to the position of Chief Executive Articles Editor on the Journal of Law and Public Policy. Amelia was also a teaching assistant for Legal Research and Writing and Appellate Advocacy and a research assistant to Professor Robert W. Emerson.

Before joining Cramer Law Center, Amelia gained experience through volunteering with probate and guardianship staff attorneys for the Eighth Judicial Circuit. She also worked as an extern for the City of Jacksonville Office of the General Counsel and Alachua County Attorney’s Office.

Amelia is married and enjoys running, travel, volunteering, and spending time with her friends, family, and her Boston Terrier, named Angus. She is also a dedicated member of several local organizations:

    -National Network of Estate Planning Attorneys
  • 2012-Present
  • - Jacksonville Women Lawyers Association:
  • 2013-2014 Vice President – Judicial Reception
  • 2012-2013 Judicial Reception Committee Member
  • - Florida Bar: Elder Law Section, Real Property Probate and Trust Law Section

    - Women in Insurance and Financial Services of Northeast Florida:
  • 2013-2014 Secretary
  • 2012-2013 Board Member – Membership
  • 2011-2012 Board Member – General
  • - Women Business Owners of North Florida
  • 2012-present

2014 – Present

Koshenina v. Buvens, 130 So.3d 276 (Fla.1st DCA 2014)

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Valentina A. Chapman

Paralegal and Estate Settlement Coordinator

Valentina A. Chapman

Valentina A. Chapman

Valentina A. Chapman is originally from Broomall, Pennsylvania. Drawn to sunshine and beaches, she moved to Jacksonville Florida in 1994. Valentina holds an associates degree in Business Administration from the University of Phoenix. Val has been a paralegal for more than 20 years. She has earned the designation of Advanced Certified Legal Assistant from the National Association of Legal Assistants (NALA) and also carries the designation of Florida Registered Paralegal (FRP). She also has served on the board of directors of the Northeast Florida Paralegal Association (NEFPA).

Valentina is one of the first people you will meet with as you begin your estate planning process. Valentina assists you in preparing for the design meeting by gathering the necessary information to design your estate plan. After you have counselled with an attorney to design your plan, Valentina assists with document drafting, delivery and signing.

Val’s other role is to assist coordinating all aspects of winding down the affairs of clients who have passed away or become disabled. This process is referred to as estate settlement. Valentina will work closely with the people you name as your executors or trustees to make certain that all steps have been taken to ensure your wishes are honored.

During her career Val has been the primary coordinator of hundreds of estate settlements. We think what makes her most qualified for her role, is the compassionate manner in which she works with clients going through the grieving process. Val enjoys running, hiking, biking, and spending time with her husband Marc, and (cutest 3 year old ever) son, Marcantonio.

Deborah D. Cosio

Client Services Coordinator

Deborah D. Cosio

Deborah D. Cosio

Debbie joined Cramer Law Center in 2012 and is honored to be part of a client focused, team based organization. As our Client Services Coordinator, Debbie’s first and foremost priority is greeting clients and insuring they feel welcomed and relaxed when visiting or calling the office. Debbie assists clients with various services requests, acts as a liaison for clients and directs them to the appropriate team member within Cramer Law Center.

Debbie also ensures the smooth running of multiple administrative functions daily such as, scheduling appointments, file maintenance, client accounts, and registration and coordination of all workshops and educational programs given by Cramer Law Center. Besides being a highly organized and dedicated professional, Debbie balances her life with hobbies such as cooking, scrapbooking, traveling, and above all enjoying time with her husband of 27 years, Rick, daughter Caitlin, son Cameron, and when time permits visiting with her son Cory who lives San Diego.

Margaret C. Costa

Paralegal and Trust Funding Coordinator

Margaret C. Costa

Margaret C. Costa

As Trust Funding Coordinator, Margaret assists prospective clients in the process of building a list of financial assets prior to commencing their estate planning process. While clients are working through the counseling process to design their living trust, Margaret secures the appropriate documentation required by each company that holds assets on behalf of a client, so the ownership of that asset can be transferred into their trust. At the conclusion of the design of the estate plan, Margaret meets with each client to implement and confirm their asset transfers, so that their trust is fully funded.

Margaret joined the firm in 2013 after working over 25 years with the federal judiciary. In 1998, Margaret passed the rigorous NALA exam to become a Certified Paralegal and has maintained her certification, meeting all continuing legal education requirements. Margaret is an active member of the Northeast Florida Paralegal Association (NEFPA) and has taken on various leadership roles on its Board of Directors between 2000 and 2013, including three terms as President.

As the administrator of our Life Legacy TM Program, Margaret organizes and oversees our annual client meetings and annual client update programs. Margaret is responsible for developing and updating our Client Handbook and is the point of contact for all client questions about funding their trust.

Margaret and her husband, Frank, a retired FBI Agent, make their home in the Mandarin area. In her limited spare time, Margaret enjoys gardening and tinkering on home improvement projects. She also enjoys regular volunteer opportunities with Jacksonville Area Legal Aid for its “Advance Directives for Seniors” Pro Bono Project.




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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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