Financial Services Lawyers
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Meet some of our Financial Services Lawyers
Gary S.
Gary is the Founder and Principal Attorney at New Ridge Law, where they understand that navigating the legal landscape can be daunting for small businesses—but it doesn’t have to be. The mission at New Ridge is to simplify the complexities, providing clear, affordable, and practical guidance so you can focus on what you do best: growing your business and serving your clients. From business formation and contracts to compliance and dispute resolution, you can move forward with confidence, knowing you have a trusted partner by your side.
"I had a great experience working with Gary. He was very responsive and consistently provided timely, clear answers. Professional, efficient, and easy to work with—I would definitely recommend him."
Dominick B.
Dominick Brook has been a licensed attorney in Ohio for the last 16-years. Prior to founding Brook Law, he served as the Director of Real Estate at Ohio University, negotiating and structuring complex transactions to align the University’s real estate portfolio with its mission. For over a decade before Ohio University, Dominick was a Senior Manager at Ernst & Young and served as a trusted business advisor for clients ranging from Fortune 10 companies to high-tech start-ups. Earlier in his career, he worked as a research analyst with Ohio University’s Voinovich School and served as an adjunct instructor of economics at Ohio University. Dominick is a graduate of the University of Edinburgh in Scotland (Masters of Economics and Politics), Ohio University (Masters of Political Science), and the Ohio State University's Moritz College of Law (Juris Doctorate). He is a Governor-appointed Ohio Commodore to aid in the attraction of businesses to Ohio, is a member in three angel investment funds, and served on the Athens County Port Authority.
Joshua D.
I am an experienced small business attorney. I work diligently to ensure that small business owners achieve their objectives while maintaining compliance, satisfying legal duties, and engaging in smart contracting opportunities. I provide everything from organization, to lease/commercial real estate purchase agreement review and negotiation, and even IP filings. I can help to navigate commercial and government contracts, as well as other SaaS-type agreements.
"Joshua is a phenomenal attorney to work with. He has a personality and isn't monotone to converse with. He is extremely responsive and delivers timely. He answered all my questions, while fairly abiding by the scope of representation. I would work with him again."
Cherie M.
Dedicated attorney with contract experience in Washington, Virginia, and Kansas.
"I was very pleased with Cherie. The work was done in a timely fashion and was exactly what I needed. I intend to hire her again in the very near future."
June 3, 2025
Justin T.
Attorney with 20+ years substantive experience in the areas of law including real estate; banking, insurance, and financial institutions; business organizations and corporations; and probate and estate planning.
Hung C.
Hi, I’m a tech lawyer who helps startups move fast without breaking things legally. I work with founders, product teams, and early-stage companies tackling messy legal and compliance challenges. From launching MVPs to signing your first customers, raising capital, or issuing tokens, I make sure legal supports your growth, not slows it down. With 15+ years of experience at global tech companies and in-house roles, I’ve helped startups across AI, Web3, SaaS, and gaming lay solid legal foundations. I bring sharp, practical advice that fits your stage, your budget, and your ambitions. I offer fractional general counsel support - senior legal expertise without the full-time overhead. Here’s how I can help: Product & Privacy Launch smart with privacy-by-design, strong TOS, and compliance (GDPR, CCPA, HIPAA, etc.). Commercial Contracts SaaS, vendor, data, pilot, licensing. I’ll help you close clean, scalable deals. IP & Open Source Protect what you build. I’ll guide you on patents, trade secrets, and open source use. Crypto & Web3 Token grants, incentive plans, securities and tax issues, DAO structures - I’ve done it. AI Legal & Governance I advise AI teams on legal risk, model oversight, and emerging regulations (US, EU, global). Fundraising & Corporate Stay investor-ready with clean docs, smart governance, and solid equity structure. Regulatory Strategy Fintech, payments, data. I'll turn complex rules into actionable legal strategies. I speak founder. I’ve been inside startups and know what scrappy, strategic legal support looks like. If you're looking for a hands-on legal partner to help you build responsibly and scale with confidence, let’s talk.
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Browse Lawyers NowFinancial Services Legal Questions and Answers
Financial Services
Loan Agreement
Ohio
Can a lender change the terms of a loan agreement without my consent?
I recently entered into a loan agreement with a lender to borrow funds for a business expansion project. However, I have received a notice from the lender stating that they intend to change certain terms of the loan agreement, such as increasing the interest rate and extending the repayment period, without seeking my consent. I am concerned about the legality of such changes and the impact they may have on my business.
Gary S.
Generally no, a lender cannot unilaterally change the terms of a loan agreement without the borrower's consent. Loan agreements are binding contracts, and any modification to the terms (such as interest rate, repayment schedule, or collateral requirements) typically requires both parties to agree to the change. However, depending on the agreement's terms and the type of loan, there are some nuanced exceptions. Some loan agreements permit changes without borrower consent, such as variable rate provisions, default provisions (allowing changes if borrower is in default), or loan servicing clauses (ex. payment instructions can usually be modified unilaterally). However, in each case, these rights to modify the terms must be clearly stated in the loan agreement, and if the agreement is silent, the lender cannot change the terms without the consent of the borrower. The information provided in this response is for general informational purposes only and does not constitute legal advice. No attorney-client relationship is formed by this communication. For advice specific to your situation, please seek legal counsel.
Financial Services
Investment Advisory Contract
California
Can an investment advisory contract be terminated by the client if they are dissatisfied with the services provided?
I am seeking legal advice regarding an investment advisory contract that I have signed with a financial advisor. I have been dissatisfied with the services provided so far, as the advisor has not been transparent about their fees and has made poor investment decisions. I want to know if I have the right to terminate the contract and what the potential consequences or obligations might be if I do so.
Jonathan W.
Generally speaking and without seeing the contract, there are usually two ways to get out of contract - (i) under the terms of the agreement or (ii) breaching the contract. First, without a breach of the agreement to determine whether you can do this you need to review the contract to see if there are service levels, promised returns, or other commitments that the IA is not meeting. Then you need to look at the section on termination in the contract and see if their failure to fulfill their obligations is covered and what the process is for termination, i.e. is there a breach cure period, is there a dispute resolution provisions, any penalty/fee for early termination and what are the notice provisions. The other way is to Breach the contract which would be stopping performing your obligations under it which I would assume without seeing it are likely just payment of fees. The potential consequences of breaching a contract could include lawsuits, financial penalties, and damage to your reputation. Also before resorting to breaching the contract, I would suggest exploring negotiation with the Investment Advisor as they may be willing to amend the terms or agree to an early termination. I will also add, in any event, you should be keeping a detailed record of all communications with the Investment Advisor, especially if there are performance issues or disputes. This documentation can be crucial if legal action becomes necessary.
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