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  • Why Lenders Say No (And It Is Not Your Business)

    Why Lenders Say No (And It Is Not Your Business)
    2026/08/27
    Last year six out of ten business owners asked a lender for money. Only four out of ten got everything they asked for. shadrachco.com Two out of ten got nothing at all. In almost every one of those noes, the money was there. What failed was the paperwork. Using Federal Reserve data from the 2025 Small Business Credit Survey, we break down what lenders actually see when your file hits their desk, why books built for your tax preparer work against you, and what the personal guarantee on your loan really puts at risk. Then we walk through a ninety day plan to get fundable. Five steps, no new sales required. If you have been declined, partly funded, or approved at a rate that made you sick, this one is for you. Book a 20 minute capital readiness call at shadrachco.com.
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    9 分
  • Who Gets Your Money When You Die? The Beneficiary Mistake Most People Overlook

    Who Gets Your Money When You Die? The Beneficiary Mistake Most People Overlook
    2026/08/20
    You have a will. You may even have a living trust. But who is actually listed as the beneficiary on your 401(k), IRA, and life insurance? Learn more at fortitudefinancial.co

    In this episode of I Wish Somebody Told Me, host Jason Malone breaks down one of the most overlooked parts of estate and financial planning: beneficiary designations.

    We discuss why certain beneficiary designations can take priority over instructions in your will, the difference between primary and contingent beneficiaries, when you should review your accounts, and why major life events like marriage, divorce, children, and remarriage should trigger a beneficiary check.

    You'll also learn why retirement accounts, life insurance, trusts, and your overall estate plan need to work together instead of being treated as separate pieces.

    You worked hard to build your wealth. Make sure you have a plan for where it goes.

    Presented by Fortitude Financial.

    This podcast is for educational purposes only and should not be considered individualized legal, tax, or financial advice.
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    13 分
  • Living Trusts 101: Protect Your Assets, Avoid Probate & Build Your Legacy

    Living Trusts 101: Protect Your Assets, Avoid Probate & Build Your Legacy
    2026/08/19
    🏡 You created a living trust…but did you FUND it? Signing the documents is only the beginning. At FortitudeFinancial.co you will find all you need to know about forming your trusts.

    A properly structured estate plan may include transferring or coordinating assets such as:
    🏠 Real estate
    💰 Bank & investment accounts
    🏢 Business interests
    📈 Retirement accounts and beneficiary designations
    🛡️ Life insurance policies

    The key is making sure your assets and beneficiary designations actually work together with your estate plan. A trust sitting in a binder isn't the goal. A properly coordinated plan is. Want to learn more about protecting what you've built and creating a legacy for your family?

    Schedule a consultation with Fortitude Financial.

    🔗 FortitudeFinancial.co
    #LivingTrust #EstatePlanning #RevocableLivingTrust
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    12 分
  • The Howard Hughes Estate Saga, Billions, Decades of Chaos, and No Will

    The Howard Hughes Estate Saga, Billions, Decades of Chaos, and No Will
    2026/08/18
    Howard Hughes built one of the largest fortunes in America. But when he died in 1976, there was one major problem: no authenticated will could be found. Visit FortitudeFinancial.co What followed was an incredible estate saga involving competing heirs, alleged wills, years of court battles, and the infamous “Mormon Will” — a mysterious handwritten document that supposedly left part of Hughes’ fortune to a gas station operator who claimed he once rescued Hughes in the Nevada desert.In this episode of I Wish Somebody Told Me, hosted by Jason Malone, we unpack the Howard Hughes estate saga and the financial lessons hiding behind the headlines.We explore:
    • What can happen when someone dies without a valid will
    • Why owning assets doesn't necessarily mean you control what happens to them after your death
    • How unclear estate planning can create costly family and legal disputes
    • The difference between a will and a revocable living trust
    • Why creating a trust isn't enough — it also needs to be properly funded
    • How estate planning can help you maintain greater control over your home, business, investments, and legacy
    Howard Hughes had billions. Most of us don't.But you don't need billions to have an estate-planning problem.If you own a home, business, rental property, investment accounts, life insurance, or anything else you've worked hard to build, you need a plan for what happens next.Because sometimes the most expensive financial lessons are the ones we wish somebody had told us sooner.

    🎙️ I Wish Somebody Told Me
    Presented by Fortitude Financial

    Money. Wealth. Business. Legacy.

    The lessons we often learn too late.

    Disclaimer: This podcast is for educational and informational purposes only and does not constitute legal, tax, or individualized financial advice.
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    10 分
  • Cash Flow Management for Business Owners

    Cash Flow Management for Business Owners
    2026/08/16
    Cash flow is not the same as profit. And that difference is exactly what puts otherwise successful businesses out of operation. Visit fortitudefinancial.co to build your estate plan and take the first step toward protecting everything you have built. In this episode of I Wish Somebody Told Me, Jason Malone breaks down cash flow management in plain language and explains why profitable businesses still fail when cash is not managed properly. If you are a solo founder, small business owner, or growing company, mastering cash flow gives you leverage, flexibility, and control. It allows you to make better decisions, plan ahead, and stop running your business in reaction mode. If you want to build a business that is sustainable and not just busy this episode is for you.

    In this episode:
    What cash flow actually is and what it is not
    Why revenue and profit do not equal money in the bank
    The most common cash flow mistakes business owners make
    How to forecast cash flow so you are not guessing every month
    Simple systems to stabilize cash flow and reduce stress
    How cash flow management connects to your long term estate and business succession plan

    00:00 Cash Flow vs Profit
    02:00 Why Profitable Businesses Still Fail
    04:00 The Most Common Cash Flow Mistakes
    06:00 How to Forecast Your Cash Flow
    08:00 Simple Systems to Stabilize Cash Flow
    10:00 Building a Sustainable Business

    This content is provided for educational purposes only and is not intended as individualized legal, tax, investment, or financial advice. Estate planning laws and strategies vary based on individual circumstances and jurisdiction. Consult qualified legal, tax, and financial professionals regarding your specific situation. Estate planning services provided by Fortitude Financial.
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    3 分
  • Nobody Told Us That Owning It and Controlling It Are Two Different Things

    Nobody Told Us That Owning It and Controlling It Are Two Different Things
    2026/08/15
    Most people assume that owning something means they control what happens to it. That assumption is exactly what leaves families stuck, accounts frozen, and businesses stalled when something unexpected happens. Visit fortitudefinancial.co to build your estate plan and take the first step toward protecting everything you have built. In this episode of I Wish Somebody Told Me, Fortitude Financial breaks down why estate planning is not about death. It is about control. Who steps in when you cannot. Who signs when you are unavailable. Who keeps your business moving when you are not in the room. And what happens to everything you built if none of that is documented properly. We cover why a will alone is not enough, why incapacity is a bigger immediate risk than death for most business owners, how trusts create continuity instead of confusion, and why the absence of a plan is itself a plan — just not one you wrote. In this episode: Why ownership and control are not the same thing
    What happens to your assets without proper documentation
    How incapacity can freeze accounts and stall businesses
    Why a will does not avoid probate
    How a properly funded trust creates continuity
    The three most common estate planning gaps business owners ignore
    Why estate planning is part of your business infrastructure not separate from it
    When the right time to start and what to do next

    00:00 Ownership Does Not Equal Control
    02:00 What Happens When You Cannot Act
    04:00 Why a Will Is Not Enough
    06:00 How Trusts Create Continuity
    08:00 Estate Planning for Business Owners
    10:00 The Three Gaps Most People Ignore
    12:00 When to Start and What to Do Next

    This content is provided for educational purposes only and is not intended as individualized legal, tax, investment, or financial advice. Estate planning laws and strategies vary based on individual circumstances and jurisdiction. Consult qualified legal, tax, and financial professionals regarding your specific situation. Estate planning services provided by Fortitude Financial.
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    11 分
  • Estate Planning 101: Wills, Revocable Trusts & Irrevocable Trusts Explained

    Estate Planning 101: Wills, Revocable Trusts & Irrevocable Trusts Explained
    2026/08/15
    Most people think estate planning is only about what happens after you die. It is not. Visit fortitudefinancial.co to build your estate plan and take the first step toward protecting everything you have built. In this episode of I Wish Somebody Told Me, Fortitude Financial breaks down the fundamentals of estate planning and explains why having a plan matters regardless of your age or net worth. Estate planning is about control, protection, and preserving what you have built while you are alive and after you are gone. We cover the role of a complete estate plan, why relying on a will alone may not be enough, and how revocable living trusts and irrevocable trusts serve very different purposes. You will learn how a revocable living trust can help with probate avoidance, incapacity planning, privacy, and the transfer of assets. We also explore why some families and business owners use irrevocable trusts for asset protection, estate tax planning, long term care strategies, and multi-generational wealth preservation. Most importantly, we explain why there is no single trust that is right for everyone. Your estate plan should reflect your family, assets, business interests, risks, and long term goals.

    In this episode:
    What estate planning actually means
    Why estate planning is not just for wealthy people
    The four questions every estate plan should answer
    Revocable living trusts explained
    Trusts vs wills
    The biggest mistake people make after creating a trust
    Irrevocable trusts explained
    Revocable vs irrevocable trusts
    Asset protection and estate tax planning
    Business succession and legacy planning
    Choosing the right estate planning structure

    00:00 Estate Planning Is About More Than Death
    02:15 What a Complete Estate Plan Should Include
    03:40 Revocable Living Trusts Explained
    06:05 Irrevocable Trusts Explained
    08:15 Asset Protection, Taxes and Legacy Planning
    10:05 Revocable vs Irrevocable: Which Is Right for You?

    This content is provided for educational purposes only and is not intended as individualized legal, tax, investment, or financial advice. Estate planning laws and strategies vary based on individual circumstances and jurisdiction. Consult qualified legal, tax, and financial professionals regarding your specific situation. Estate planning services provided by Fortitude Financial.
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    11 分
  • What Is an IUL and Why Every Business Owner Needs to Know About It

    What Is an IUL and Why Every Business Owner Needs to Know About It
    2026/08/15
    Most business owners are looking for ways to protect their income, grow their wealth, and leave something behind for their family. Visit fortitudefinancial.co to build your estate plan and take the first step toward protecting everything you have built. What most business owners never hear about is one of the most powerful tools available to do all three at the same time. In this episode we break down Indexed Universal Life insurance and how business owners can use it as more than just a death benefit. We cover how an IUL builds cash value tied to a market index with a floor that protects you from losses, how that cash value grows tax deferred and can be accessed tax free, and how it fits inside your estate plan to protect and transfer everything you have built. If you have been looking for a way to grow wealth outside of the stock market, protect your business, and create a tax advantaged legacy for your family this episode is for you. What we cover in this episode: what an Indexed Universal Life policy is and how it works, how business owners use IUL for tax advantaged wealth accumulation, how IUL fits inside a trust for estate planning purposes, the difference between term life and permanent life insurance for business owners, how to use your policy cash value while you are still alive, and why an IUL inside an irrevocable life insurance trust protects your estate from unnecessary taxation. This episode is for informational purposes only and does not constitute legal or tax advice. Estate planning services provided by Fortitude Financial.

    00:00 – Universal Life Insurance for Business Owners
    01:48 – Building Your Cash Value Asset Base
    03:04 – Using Life Insurance for Business Growth
    05:08 – Universal Life Insurance & Estate Planning
    07:27 – Wealth Transfer, ILITs & Legacy Planning
    08:20 – Final Thoughts
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    8 分