Welcome to TOAMS Financial

Is the residence club worth it?
In fractional ownership, you typically own a minority shareholding (sometimes called a deeded shared interest or equity) in a company that owns the title to the property. This is a right to use the property for an allotted time (usually a week) and differentiates fractional ownership from timeshare.
TOAMS Financial in Jacksonville, FL, your trusted financial advisors with 20+ years of experience. Founder, Mario Payne, CFP, is a veteran who served in the United States Army, guiding as a financial sargeant, guiding soldiers to achieve their financial goals. We offer a variety of financial services such as estate planning, wealth management, and retirement planning.