Line Of Credit

The path to entrepreneurial success is paved with challenges and triumphs, often born from humble beginnings. Today, I'll highlight a story of from B\basement beginnings to business brilliance. Audrey Finocchiaro and Sam Lancaster are the founders of The Nitro Bar, a cold brew coffee business in

In the grand scheme of business ownership, discussing a succession plan may not be the most glamorous topic or one that's top of mind when you're busy with the daily needs of your company.

Common Estate Planning Questions: Part 2 of 2 When it comes to planning for your family’s future, the options can feel overwhelming. Should you get a will? Create a trust? And what happens if you do nothing at all? These aren’t just academic questions – your choices today will impact your loved ones tomorrow. In […]

June marked Men's Health Month, a time dedicated to raising awareness about health issues predominantly affecting men and encouraging the early detection and treatment of disease among men and boys. Let's turn the focus to you, gentlemen. You already know that taking care of your health allows yo

Are you taking appropriate steps to safeguard your company’s confidential information? In this blog, we explore why your business should consider incorporating NDAs into its operations to protect your company’s valuable secrets.

If you’ve given any thought to estate planning, you probably associate it with preparing for death. But did you know there are critical reasons (and significant benefits) for planning while you’re still alive and well? That’s why I refer to my services as Life & Legacy Planning. When done correctly, planning for your assets and […]

As an entrepreneur, you can appreciate how difficult it may be to get funding for your business. In this article, we'll go through 8 tips to help secure outside funding for your business and make your pitch irresistible.

When your child turns 18, they're legally considered an adult even though they have a lot more growing up to do (though they may not think so!). Just like any other adult, their health and financial information is protected by privacy laws. But unlike any other adult, that's still your child and

As we welcome the New Year, filled with hope for a brighter future, one commitment should be at the top of your list– creating a Kids Protection Plan™

There's an often-overlooked option that not only provides immediate satisfaction but ensures long-term benefits for both you and your loved ones. In this blog, we'll discuss why estate planning is the best use of your tax refund.

Business Formation in Rhode Island - Have an idea for a business? Where do you start transforming that idea into a business? Determining business formation

To ensure your business tax return goes as smoothly as possible, make sure to avoid these three common business tax mistakes.

When starting or expanding a small business, one of the most critical decisions an entrepreneur faces is how to fund their venture. What are the advantages and disadvantages in the small business loans vs. lines of credit debate?

Losing a loved one is an emotionally challenging experience, and during this difficult time, there are practical matters that require attention, such as handling probate and real property transfers. At The Law Offices of Senerchia & Senerchia P.C., we understand the complexities involved in these

Imagine you're playing a friendly game of disc golf with your spouse. Suddenly, you lose control of your left hand, and for a terrifying five minutes, you can't speak. Your face droops and your body feels numb. You might think you're too young to be having a stroke—but that's exactly what happene

Embarking on the entrepreneurial journey is akin to setting out on an uncharted adventure. It's filled with unknowns, challenges, and the occasional surprise twist. While physical fitness often gets the spotlight with its glossy gym selfies and trendy workout regimes, there's a quieter, more calc

Long gone are the days when a “family” was defined as a mother, father, and two children. In this article, we'll focus on one type of family that has become common in modern culture and its impact on estate planning: Blended families and death.

When Matthew Perry, the beloved star of Friends, passed away last year, the world mourned the loss of a comedic icon. However, as details of his estate began to emerge, a curious puzzle presented itself: despite his reported net worth of $120 million, his bank account held (only) $1.5 million.

Starting a business is an exciting venture, that comes with a plethora of challenges, not least among them securing adequate funding. We've discussed the pros & cons of business loans and lines of credit. Today, I'll cover using credit cards to fund business growth and what entrepreneurs need to know.

When it comes to protecting your passion project, relying on legal templates instead of lawyers will leave you with a mess. Get personalized advice for success

Discover the ultimate act of love: including your partner in your Will and Life & Legacy Planning. Ensure their future security and express your commitment today; put them in your will

Your clients are the heartbeat of your business, and establishing a deep sense of trust with them is the cornerstone of growth and success. In a world where skepticism and misinformation prevail, nurturing authenticity and reliability in your professional branding and business structures is essential to building and keeping your client base. In this blog […]

As a parent, you are quite accustomed to managing your children's legal and medical affairs, as circumstances require. If your child requires urgent medical attention while away from you, a simple phone call authorizing care can do the trick. But what happens when those “children” turn 18, now

A Partnership can be an efficient business model if set up the right way. Planning a partnership involves the crucial step of crafting a robust partnership agreement from day one.

This week, we explore the differences between hourly billing and flat fee billing for attorneys, and how these differences can affect the legal work you’re paying for

When it comes to estate planning, I get many questions about many topics. One of the most common estate planing questions I hear concerns account ownership and asset management. Understanding how accounts are titled and who has access to them isn't just about convenience—it's about ensuring your assets transfer smoothly to your loved ones while protecting them from potential risks.

What happens to your social media account when you die? Each social media platform has its own rules for dealing with the accounts of deceased users, ranging from permanent deletion to transforming accounts into places for mourning and memory. Understanding these options is essential for managing

Can a real estate agent help you with probate? Simply put, the answer is no. A real estate agent cannot handle your probate because probate is a legal process that must be overseen by a probate attorney or the court.

If you're a father, you've always strived to provide the best for your family, ensuring their well-being and securing their future. However, even the most well-intentioned plans can falter if you overlook the complexities of estate planning. So let's celebrate all of you dads and explore some pit

There’s a lot to know about Wills in Rhode Island. You need to understand the difference between a Will and Living Will, how Wills should be executed, and how

As a small business owner, navigating the world of social media reviews can be daunting. A single negative review can feel like a personal attack and a potential threat to your brand's reputation. However, handling these reviews with grace and strategy as well as the support of a trusted advisor

A comprehensive Estate Plan is about creating a strategy that lets you enjoy your life to the fullest while protecting your family’s safety net when you can no longer be there. It might seem like life insurance is an easy way to help secure your loved ones’ future – and it is – but your […]

If you're part of a blended family, you need to understand how ERISA impacts your right to your spouses retiement benefits. You're no stranger to the extra con

Have you ever heard horror stories about families fighting over Grandma's jewelry or getting stuck in a never-ending legal battle after someone passes away? Or how long it can take to sell a house tied up in the court process? What about family members being denied their inheritance completely?

Let's explore the hidden truth about settling a loved one's estate and what's really involved in administering someone's estate and how proper planning can make

In the digital age, online scams and cyber attacks are becoming more frequent, posing risks to everyday users and lawyers who manage clients' sensitive information. Let's discuss how you can protect yourself from online scams and digital attacks and how lawyers ensure their client's data is protected.

You've poured your heart and soul into building your small business. You've worked tirelessly, made sacrifices, and taken risks. Now, a recent law could impact how you operate. It's called the Corporate Transparency Act (CTA). This law passed in 2021, aims to crack down on financial crimes like

An AI future is coming: Make sure your business is ready. The future is knocking on your door, and it's asking if you've met its friend, Artificial Intelligence (AI). For business owners, this isn't just a polite inquiry—it's a call to adapt or be left behind in the dust of progress.

You may assume that in the event of your untimely passing, your children will automatically be cared for and inherit your assets. However, the reality can be far more complex and potentially unsettling.

The passing of a loved one is a heartbreaking event, filled with grief and sorrow. But, the aftermath can become even more painful if disagreements over their personal belongings tear your family apart. These disputes, especially when centered around meaningful objects, can leave lasting wounds

You've worked hard to build your assets and secure your family's future. Like many responsible adults, you've named beneficiaries on your retirement accounts, life insurance policies, and maybe even your banking and investment accounts. It feels good to know you've put beneficiary designations in

In an era where digital innovation shapes every aspect of our lives, it's no surprise that our teenagers are drawn to the allure of cryptocurrency. This digital form of money represents a shift away from traditional financial systems. If you are the parent of teens, understanding cryptocurrency

If you've been traveling around the sun for a while, you've no doubt heard of a Will, a document that says what happens to your money and belongings after you die. You may even have a Will or know you should get one. And maybe you've heard of a Trust and wondered what it is and how it works. You

Navigating your financial journey with the heavy burden of student loan debt on your back can feel overwhelming. You're faced with a critical decision: should you prioritize paying down those loans, or should you focus on the future, contributing to your workplace retirement plan? It's a tough

An estate plan, specifically a Life & Legacy Plan, is the way to express your liberty. I know; it sounds weird. Here's why an estate plan is your Declaration of Independence.