In 2005, Damion's grandmother sent him a letter that read: " Damion, you should stay single. You're too much of a selfish ass hole. You should not be with anybody."

Three years later, the universe delivered a harsher message: he lost $20 million in 20 minutes, slept in his car, and was $5 million in debt.

Most people who lose everything don't come back. Damian Lupo built a $500M construction company that's rewriting how America builds houses - and raised $250 million from individuals, not institutions.

The Foundational 15% (Why 9/10 Businesses Fail):
→ Vision and values before logos and business cards
→ World-class people over cheap people (cheap costs you money)
→ Appropriate capital (undercapitalization kills more businesses than bad ideas)

He committed $40M to FrameTech without having it. "I had a community I'd nurtured for years—people hungry for investments that created value, not just returns." Two weeks later, the wire hit. That's not luck. That's relationship capital compounding over decades.

The Speed of Trust in Action:
→ When operators need $2M not in the budget, they get a wire in 15 minutes
→ No thumb on their neck, no spreadsheet interrogation
→ Result: Zero turnover, Berkshire calling, Governor recognition

On Financial Freedom (It's Not What You Think):
→ Cash, Cash Flow, Confidence—most people forget the third C
→ Henry Ford's test: "I'd have it back in five years"
→ People with millions still wake up terrified; that's not freedom

His father died with regret: "There were so many things I wanted to do." Damian sat there crying, watching someone run out of time. Watch the full conversation to find out how that moment rewired everything.

Books Mentioned:
Reinvented Life (Damian Lupo)
Unicornomics (Damian Lupo)
The Speed of Trust (Stephen Covey)
Die With Zero (Bill Perkins)
Rich Dad Poor Dad (Robert Kiyosaki)
Power vs Force (David Hawkins)
Disciplined Entrepreneurship (Bill Aulet)
Chasing Daylight (Eugene O'Kelly)

For founders who've built wealth but haven't built trust capital yet.

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Interested in becoming a member of R360 Global? Visit our website: https://www.r360global.com/

Charlie's LinkedIn: https://www.linkedin.com/in/charlespgarcia/
Charlie’s Substack: https://substack.com/@cpgarcia?
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Will Finnerty has served 72 families through nine-figure exits and has earned ZERO salary. Pure P&L.

His paycheck dropped 60% in 18 days during COVID—because his compensation is tied directly to client outcomes.

Most advisors tell you what to buy. Will spent 16 years teaching entrepreneurship at Georgetown University and 31 years learning what actually keeps multi-generational wealth intact. The answer has nothing to do with municipal bonds.

The Three Buckets Framework:
→ Liquidity: 3-5 years of expenses (because nasty markets take that long to recover)
→ Longevity: Managed like a pension (cascading into liquidity annually)
→ Legacy: Managed like an endowment (where you stop needing to touch it)


Will married and divorced within six months right out of college. That failure became the foundation for his House of Equilibrium - a framework he taught to hundreds of students.

The founder of the franchise Sweet Greens started in his class. So did Arrow Advertising. The lesson: your daily habits determine your identity, not your goals.

Red Flags When Selecting an Advisor:
→ More than 60 client relationships
→ Any ding on their U4 without explanation
→ They haven't shown you their own portfolio

The question no advisor asks: "Can I meet your spouse?" If you can't break bread with their family, you're hiring a resume, not a person.

UBS holds accounts for half the world's billionaires, not because of returns - you can get an index fund at Vanguard. Families stay because someone picks up the phone at 2am and says what Will's wife would put on his tombstone: "I'll take care of it."


Books Mentioned:

Atomic Habits (James Clear)
How to Win Friends and Influence People (Dale Carnegie)
Think and Grow Rich (Napoleon Hill)
Man's Search for Meaning (Viktor Frankl)
The Complete Family Wealth (Hughes, Massenzio, Whitaker)

For founders 18 months from exit who haven't thought about what happens the day after the wire hits.

Subscribe for more insights from leaders redefining what it means to be truly wealthy.

Interested in becoming a member of R360 Global? Visit our website: https://www.r360global.com/

Charlie's LinkedIn: https://www.linkedin.com/in/charlespgarcia/
Charlie’s Substack: https://substack.com/@cpgarcia?
Instagram: https://www.instagram.com/fortunatefishes/
X: https://x.com/R360FISHES





#PrivateWealth #FamilyOffice #WealthManagement #UHNW #UBS #ExitPlanning #MultiGenerationalWealth #FounderExit #LiquidityEvent #WealthPreservation #FamilyGovernance #PrivateBanking #AssetAllocation #WealthTransfer #FinancialAdvisor #IntrapreneurMindset #FortunateFISHES #R360 #StrategicCoach #legacyplanning

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She was 19, pregnant, and on government assistance. He was 22 with no car, no diploma, and three failed businesses. Her mother pulled $1,700 from her bra and made them promise not to waste it.

Thirty-five years later - billion-dollar exit, 2,800 rental doors, 100-year family legacy in motion.

The Focus Framework (What Actually Worked):
→ Daily checklist → Monthly goals → Quarterly targets → 5-year vision
→ No Saturdays or Sundays for the first five years
→ "Horse blinders"—zero outside noise until the machine runs itself

Sophia and Bobby tried building Craigslist in 1989—through newspaper ads—and failed. Then micro-loans. Failed. The difference with BHG Financial wasn't the idea. It was refusing to treat business "like a game" anymore.

The 2008 Leverage Lesson:
They bought $82M in real estate at 110% LTV. Hurricane hit. Insurance wrong. The financial crisis crushed them. They went to closing tables, writing checks to sell buildings.

Now they operate at 55% LTV across 14 buildings. "Underwrite for 50% of tenants not paying."

The 3 C's (35 Years of Marriage While Building Together):
→ Communicate—actually listen, not wait to react
→ Compromise—meet at the 50-yard line, not sacrifice
→ Compliment—fertilize the relationship or it dies

Why This Matters for UHNW:
Every entrepreneur knows someone with talent and no traction. The gap is almost never intelligence. It's the willingness to eliminate Saturdays for half a decade while everyone calls you crazy.


Books Referenced:
How to Win Friends and Influence People (Dale Carnegie)

For entrepreneurs who've heard "you can't" and chose not to listen.

Interested in becoming a member of R360 Global? Visit our website: https://www.r360global.com/

Charlie's LinkedIn: https://www.linkedin.com/in/charlespgarcia/

Charlie’s Substack: https://substack.com/@cpgarcia?

Instagram: https://www.instagram.com/fortunatefishes/

X: https://x.com/R360FISHES

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