Jill M. Santiago Attorney at Law Ltd.

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Jill M. Santiago Attorney at Law Ltd.

My law practice focuses on estate planning, wills, trust and probate matters. Knowledgeable. Trustworthy. Innovative.

At JMS Law, we don't just provide legal services, we build relationships with our clients. Our practice focuses on estate planning and real estate, but we are happy to consult with our current and potential clients about other areas of the law.

05/20/2026

Corporate heartbreak is real. 💔🫣

workplacehumor

05/18/2026

Talking to your parents about estate planning can feel uncomfortable.

You want to help. They may not want to talk about it. And suddenly, what started as concern feels… awkward.

Here’s the truth: **how you start the conversation matters.**

Estate planning conversations shouldn’t happen as a surprise between dinner and dessert 😉 They deserve time, empathy, and respect.

A few things to remember:

✔ Don’t ambush the conversation
✔ Lead with concern, not pressure
✔ Respect their decisions
✔ Be patient — these conversations take time

Because estate planning isn’t just about “who gets what.”

It’s about making sure wishes are honored, decisions are clear, and families have less stress during difficult moments.

And the relief once a plan is in place? Real.

Have you had this conversation with your parents yet?

📍 Serving Rhode Island & Massachusetts

05/04/2026

May is Older Americans Month — a time to recognize the strength, wisdom, and contributions of older adults in our communities.

It’s also a reminder that planning ahead is one of the most meaningful ways to protect your independence, your wishes, and the people you love.

Estate planning isn’t just about documents — it’s about creating clarity and peace of mind for the future.

If it’s been a while since you reviewed your plan (or if you haven’t started yet), this is a great time to take that first step.

📍 Serving Rhode Island & Massachusetts

03/04/2026

They say the only certainties in life are Death and Taxes. I wrote the guide on how to handle both.

I am thrilled to finally announce the release of my new book: “Death, Taxes and Change—A Practical Guide to Estate Planning.” 📖

After years of writing articles and advising families across Rhode Island and Massachusetts, I realized that most people are overwhelmed not by the law itself, but by the uncertainty of it.

This guide is my answer to that. I’ve compiled my most essential insights into one practical roadmap covering: ✅ Wills vs. Trusts: Which one actually protects your home? ✅ The Medicaid Puzzle: How to plan for long-term care without losing your legacy. ✅ The “Hidden” Questions: Answers to the things you didn’t even know to ask.

Whether you are a business owner protecting an LLC or a parent securing your children’s future, this book was written for you.

The best part? I want to get this into your hands today. 👇 Comment “BOOK” below and I’ll send you a FREE physical copy in the mail! (US only)

02/26/2026

🚩 Is a $5,000 estate plan “expensive”? Not when you realize the alternative will cost your family $50,000.

In estate planning, you pay now to save your family later. If you live in RI or MA and skip the Trust, your estate goes to Probate Court. Here is the breakdown of what that “free” DIY plan actually costs your family:

💰 The Attorney Fees: Most probate attorneys in our area charge 3% of the total estate value. On a $1M home, that’s $30,000 alone. 💰 The Court Fees: Filing fees and inventory taxes can eat up another $1,500+ instantly. 💰 The Tax Trap: Without a Trust, you miss out on state-level tax sheltering. In RI, estates over $1.83M are taxed. In MA, it’s $2M. One mistake here can cost your heirs tens of thousands in unnecessary taxes.

When you invest in a comprehensive plan today, you aren’t just buying “papers.” You’re buying a legal firewall that keeps your money out of the court system and in your children’s bank accounts.

Don’t leave your family a $50k bill.

Schedule your FREE consultation today!

02/25/2026

💼 Dear Professionals: Your “busy-ness” is not a legal defense.

If you are under 40, you’re likely in the “accumulation phase.” You’re buying homes in Newport or Newton, growing your business, and raising your family. But in 2026, if you don’t have these 5 documents, the state of RI or MA becomes your “default” estate planner.

And trust me—you won’t like their fees or their timeline. Here are the 5 essentials every professional needs in their legal portfolio before 40:

1️⃣ The Revocable Living Trust The “CEO” of your estate. It keeps your assets private and out of probate court. In RI and MA, this is the most effective tool to manage state-level estate taxes and ensure your family has immediate access to funds without a 12-month court delay.

2️⃣ Durable Power of Attorney This names a trusted person to handle your financial and business affairs (like paying your mortgage or managing your LLC) if you’re ever sidelined by an accident. Without it, your family could be locked out of your accounts exactly when they need them most.

3️⃣ Guardianship Nominations If you have kids under 18, this is the most important document you’ll ever sign. It ensures you choose who raises your children, rather than leaving that massive decision to a judge who has never met your family.

4️⃣ Health Care Proxy & Living Will These documents name your “medical voice” and outline your end-of-life wishes. They prevent family conflict and ensure your preferences are followed in an emergency, keeping the emotional burden off your loved ones.

5️⃣ The “Pour-Over” Will Think of this as your safety net. It “catches” any assets you might have forgotten to put in your Trust and “pours” them into it upon your death, ensuring your entire estate follows one master plan.

Stop “Googling” your legal future. ✋ I’ve put everything you need to know into my new book: “Death, Taxes and Change—A Practical Guide to Estate Planning.”

Whether you are protecting an LLC or securing your kids’ future, this is your roadmap.

Want a copy? I’m mailing out a limited number of free copies this week. 👇 Comment “BOOK” below and I’ll send you a FREE physical copy in the mail!

02/24/2026

Grief is hard enough without probate.

People sometimes think I’m overly focused on the details.

I’m not.

I’m focused on making sure your plan actually works when it matters most.

Avoiding probate.
Protecting your privacy.
Making transitions smooth.

That’s the way I like it.

📍 Serving Rhode Island & Massachusetts

02/23/2026

Estate planning doesn’t have to be complicated.

Most people don’t realize they need an estate plan until it’s too late.

This quick quiz usually makes it clear.
Save this post, share it with someone you care about, or comment “101” to get access to our Estate Planning 101 recording.

Serving Rhode Island & Massachusetts.

02/14/2026

Love notes from our clients 💌

This Valentine’s Day, we’re feeling extra grateful for the trust our clients place in us. Helping you protect your family, your legacy, and your future is truly what we love most about what we do.

Thank you for letting us be part of some of the most important decisions of your life. That trust means everything to us.

Happy Valentine’s Day from all of us at JMS Law ❤️
Serving Rhode Island & Massachusetts

01/20/2026

I agree!

Address

2348 Post Road, Suite 106
Warwick, RI
02886

Telephone

+14013840766

Website

https://www.jmslawltd.com/

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