Mario Payne

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Mario Payne

Mario Payne is a U.S. Army veteran, Certified Financial Planner, and the founder of TOAMS Financial, an independent advisory firm in Jacksonville, Florida. With over 15 years of experience, he has dedicated his career to helping clients build wealth, plan for their futures, and alleviate financial stress. Through his work with initiatives like The Relax Estate and Payneful Profits, he has focused on providing individuals and families with practical tools to achieve long-term financial stability.

Mario J. Payne was born in Cincinnati, Ohio. After completing high school, he earned a degree in Business Administration from Tennessee State University. Later, he furthered his education by completing a degree in financial planning through the College for Financial Planning. His commitment to professional excellence led him to obtain the CERTIFIED FINANCIAL PLANNER™ certification and the Accredited Asset Management Specialist designation. These achievements place him among fewer than 2 percent of licensed African American advisors who hold the CFP® credential.

While in college, Mario joined the United States Army and served as a Financial Sergeant during Operation Enduring Freedom. In this role, he helped soldiers manage their finances, make informed financial decisions, and plan for the future during uncertain and challenging times.

His career in financial services began at American Income Life Insurance Company, where he learned to communicate economic concepts to working families clearly. He later worked at Edward Jones, where he assisted retirees, families, and business owners in creating strategies to manage their finances and plan for their future. These experiences helped him refine his approach to client-centered financial planning.

In 2013, Payne founded TOAMS Financial, which stands for “Tithes Offering Alms Means Stewardship.” The firm serves clients across the United States and internationally from its base in Jacksonville. Under his leadership, TOAMS became one of the few African-American-owned investment advisory firms registered with the SEC.

Mario launched Payneful Profits, a YouTube channel that accessiblely breaks down economic trends, market movements, and planning strategies. His insights have also been featured in media outlets such as Forbes and Cheddar News.

Payne co-founded LETB, the first Black-owned, AI-supported Exchange-Traded Fund, alongside Let Bob, a tool designed to help retail investors make data-driven financial decisions. He also developed The Relax Estate, an AI-powered platform that simplifies estate planning by automating the creation of wills, trusts, and powers of attorney.

He actively serves his community through board positions with the Jacksonville Public Library, the Tennessee State University Foundation, and Knots 4 Kids, supporting programs that promote literacy, scholarships, and mentorship. His work with House Wars helps revitalize properties and provide stable housing for families. Mario Payne’s dedication to financial education, equity, and opportunity has earned him recognition through honors such as the 100K Day Award and the 40 Acres Entrepreneur of the Year.

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