JC

Justin Charles Cramer

14 Years of Experience

Firm Information

Compensation
Fee-Only (AUM)Fixed/Hourly
Number of Advisors
9 advisors
Number of Clients
43 clients
Average Client Portfolio
$8.4M average
Assets Under Management
$360.2M

Fee Structure

Financial Planning:Included in AUM fee
Financial Plan Fee:$0 - $15,000
Hourly Rate:$125 - $500/hr

Fees vary depending on the service. For Unified Managed Accounts and non-UMA asset management, fees range from 0.50% to 2.00% per year, depending on account size and complexity. Financial planning fees can be hourly ($125-$500/hour) or fixed (typically $0-$15,000, but can exceed $100,000). Family office fees are hourly ($125-$500/hour), fixed ($0-$35,000, but can exceed $100,000), or a bundled annual rate (0.50% to 2.00% of assets). Trading costs may vary from 0.02% to 0.15%. All fees are negotiable.

Areas of Practice
Investment ManagementFinancial Planning & CoachingEstate PlanningHigh Net Worth
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Advisor Information

Office location

23 Inverness Parkway, Birmingham, AL, 35242

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Regulatory History (3)
What are disclosures? Advisors must report customer complaints, regulatory actions, and certain legal or financial events to the SEC. Not all disclosures are serious—many are settled disputes or minor violations. Learn how to evaluate them.
Customer Dispute
April 2022
Settled
Customer Dispute
February 2021
Settled
Employment Separation After Allegations
January 2015
Other Business Activities

Justin is a partner/member of Bluff Mountain Lodge, LLC, a real estate company involved in purchasing and selling property. This investment-related activity takes about 10-20% of Justin's time.

Employment History
Current Registrations
Oneascent Family Offices
August 2024 - Present · 1 yr 5 mos
Oneascent Financial Services LLC
July 2024 - Present · 1 yr 6 mos
Oneascent Wealth Management
March 2022 - Present · 3 yrs 10 mos
Previous Registrations
Prospera Financial Services, INC.
February 2015 - March 2022 · 7 yrs 1 mo
Prospera Financial Services, INC. Broker
February 2015 - March 2022 · 7 yrs 1 mo
Edward Jones
January 2014 - February 2015 · 1 yr 1 mo
Edward Jones Broker
January 2014 - February 2015 · 1 yr 1 mo
New England Securities Corporation
March 2012 - January 2014 · 1 yr 10 mos
New England SecuritiesBroker
October 2011 - January 2014 · 2 yrs 3 mos
State Registrations2 states
NYSC
Advisor
Exams
No exam information available for this advisor.