Jeffrey A. Cramer

Attorney and Counsellor at Law

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”  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).
3030 Hartley Rd., Suite #290
Jacksonville, Florida 32257
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);Koshenina v. Buvens, 130 So. 3d 276 (Fla. 1st DCA 2014)

Clayton Miller

Attorney and Counsellor at law

Jacksonville native Clayton T. Miller is the newest attorney at Cramer Law Center. He attended local schools and has been a practicing lawyer for over nine years. Prior to joining our team, Clayton worked as a litigation attorney in Jacksonville Area Legal Aid’s Consumer Advocacy and Litigation Unit. While at Legal Aid, he focused on foreclosure defense helping people keep their homes during the recent economic downturn. He also handled debt collection and bankruptcy, helping people navigate the often complex civil legal system.

Clayton was recently married, and his wife, Amanda, serves as a Judicial Staff Attorney in the Duval County Courthouse. In their spare time, Clayton and Amanda enjoy travelling and chasing after their golden retriever puppy, Winston. Clayton is also a passionate Florida State University football fan, having attended FSU before obtaining his degree at UNF. He was a competitive junior tennis player and is in the Fletcher High School Athletics Hall of Fame for his tennis accomplishments. He is now an avid golfer who enjoys spending time with his father and friends on the course.

Margaret C. Costa, CP

Paralegal and Trust Funding Coordinator Emeritus

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.

Although Margaret has opted to take “Senior Status” and is officially retired, She has graciously agreed to continue to help us out , as needed. Our clients will look forward  to seeing her at Annual Client Meetings in the future.

Denise Seymour

Legal Assistant and Client Services Coordinator

As Client Services Coordinator, Denise assists in the day-to-day operations of maintaining client data bases, scheduling appointments, organizing and assisting client educational workshops, and meeting and greeting our clients with a smiling face and making them feel comfortable and at ease. She also assists our team members with various projects.

Denise joined the firm in 2016 after working more than 22 years with the federal judiciary. After retiring from the federal judiciary in 2013, she worked part-time as Director of Business Development with a professional basketball team here in Jacksonville.

Denise and her husband, Jesse, make their home in the Mandarin area. She has four children and four grandchildren who all reside in Jacksonville. In her spare time, Denise enjoys spending time with her family, event planning, boating and extreme couponing. She also works as an adult leader with Boy Scouts of America and is involved with various charities in the area, including “I’m A Star Foundation,” Adopt a Homeless Pet, Congenial Heart Walk, and the Wounded Warriors Project.

Charlie Borgida


Charlie Borgida is a graduate of the University of Connecticut and an avid Huskies fan. Following graduation, he worked for four and one-half (4 ½) years with the Internal Revenue Service as a field agent, finishing in the large case unit in Hartford, Connecticut. After becoming a CPA, he was the managing partner in a large accounting firm in Manchester Connecticut, responsible for tax matters. Charlie retired in 1992 and moved to sunny Jacksonville, Florida, where he most often can be found on the golf course.