New Tax Season, New Tax Code: What Changed In 2026 – And Why It Matters

As we approach another tax filing season, it’s a good time to take stock of the most meaningful changes that affect U.S. taxpayers for the 2026 tax year (returns you’ll file in 2027). This year’s filing period reflects not just inflation adjustments but also significant provisions of the One, Big, Beautiful Bill Act (OBBBA), the major tax law signed in 2025 that locked in and updated several key tax provisions. (IRS)

Understanding these changes can help you plan earlier in the year — not just react at tax time.

Key 2026 Tax Changes at a Glance

Below are three major areas where taxpayers will see meaningful adjustments for the 2026 tax year:

1) Updated Federal Income Tax Brackets

The IRS annually adjusts tax brackets for inflation. For 2026, the seven familiar federal income tax brackets remain (10%, 12%, 22%, 24%, 32%, 35%, 37%), but the income thresholds have shifted upward, helping many taxpayers avoid “bracket creep.”

2026 Federal Income Tax Brackets (Taxable Income) (OneDigital)

Tax Rate

Single Filers

Married Filing Jointly

10%

Up to $12,400

Up to $24,800

12%

$12,401–$50,400

$24,801–$100,800

22%

$50,401–$105,700

$100,801–$211,400

24%

$105,701–$201,775

$211,401–$403,550

32%

$201,776–$256,225

$403,551–$512,450

35%

$256,226–$640,600

$512,451–$768,700

37%

Over $640,600

Over $768,700

These adjustments don’t lower rates, but they mean you can earn more before moving into a higher bracket. That matters for retirement planning, RMD timing, Social Security taxation, and portfolio withdrawals.

2) Standard Deduction and Senior Deduction Updates

Along with bracket changes, the standard deduction rises for most taxpayers. For 2026:

  • $16,100 for single filers
  • $32,200 for married couples filing jointly
  • $24,150 for heads of households (NerdWallet)

For many taxpayers, these deduction increases reduce taxable income before rates are even applied.

Additionally, OBBBA introduced a new senior deduction lasting through 2028: taxpayers age 65 or older may be eligible for a $6,000 deduction ($12,000 if both spouses qualify), regardless of whether they itemize or take the standard deduction. (AARP)

3) Expanded Credits and Other Key Changes

The 2026 tax year also reflects broader changes that can impact refunds or tax liabilities:

Child Tax Credit: Indexed for inflation and slightly increased under the OBBBA for qualifying children. (IRS)

Itemized Deduction Changes: The bill significantly expanded the cap on state and local tax (SALT) deductions for many filers, although limits and phaseouts still apply.

Charitable Deductions: Non-itemizers can now deduct cash donations up to $1,000 (single) or $2,000 (joint) – a change that broadens tax benefits to more filers.

Preparation and Filing Notes: The IRS has updated forms, encouraged direct deposit for refunds, and provided resources and checklists for this filing season. (IRS)

Why This Matters for Your Planning

These tax changes are not just numbers on a chart – they affect when and how you plan income, retirement distributions, Social Security strategies, Roth conversions, and charitable giving.

Some actionable reminders for 2026 and beyond:

  • Review whether standard vs itemized deductions benefit you (especially with SALT changes).
  • Consider the timing of income that could push you into higher brackets.
  • Coordinate retirement distributions with Social Security claiming to manage taxable income.
  • Use expanded credits and deductions to your advantage throughout the year, not just at filing time.

Taxes are a major lifetime expense – often bigger than market returns or fees. Planning with the current tax code in mind helps you make decisions that support the life you want to live.

 

Finding Meaning In Retirement: When The Calendar Is Full But The Soul Isn’t

For many people, retirement planning starts with a number.

“How much do I need?”
“Will my money last?”
“Can I afford to stop working?”

Those questions matter. But after years of walking alongside retirees, we’ve learned something important: financial security alone does not guarantee fulfillment.

In fact, one of the most common challenges retirees face has very little to do with money. It’s the quieter, often unexpected loss of purpose, identity, and connection that can surface once work is no longer the organizing force of daily life.

The Transition No One Warns You About

Work does more than generate income. It provides structure, responsibility, and a sense of contribution. It answers questions we don’t always realize we’re asking:

Who needs me today?
What am I accountable for?
Where do I belong?

When work ends, freedom arrives – and for many, so does a subtle sense of disorientation.

Research supports this experience. Multiple studies show that retirement can lead to a measurable decline in a person’s sense of purpose if it isn’t replaced intentionally. This highlights the guidance we give to clients years in advance of retirement: make sure that you are retiring toward something and not just away from something.

One large review published in The Gerontologist highlights how meaning, not activity alone, plays a central role in how well individuals adjust to retirement. In other words, staying busy is not the same as feeling fulfilled.

Activity Is Not the Same as Meaning

We often meet retirees who are financially secure, healthy, and “doing all the right things” – traveling, golfing, volunteering, and staying active. Yet something still feels missing.

That’s because meaning tends to come from deeper sources.  These can include:

  • Contribution – being genuinely useful to others
  • Connection – relationships that go beyond surface-level social interaction…make note, fitting in is NOT the same thing as true authentic connection
  • Growth – continuing to learn, stretch, and engage with life

Psychology research consistently shows that retirees who maintain a strong sense of purpose experience better mental health, greater life satisfaction, and even improved physical outcomes.

Designing Retirement With Intention

The most fulfilling retirements we see are not accidental. They are designed with the same thoughtfulness people once applied to their careers.

That might look like:

  • Remaining involved in a part-time, advisory, or mentoring role
  • Sharing hard-earned wisdom with younger professionals or family members
  • Committing to a cause, board, or organization where presence truly matters
  • Creating weekly rhythm and responsibility, not just open time
  • Pursuing challenge and adventure, not just comfort

Research on “meaning-making” in retirement suggests that individuals who actively redefine who they are after work – rather than simply replacing work with leisure – experience a far healthier transition. The key question is not “How do I stay busy?”
It’s “Who do I want to be useful to in this season of life?”

Planning for a Meaningful Life, Not Just a Long One

Good financial planning creates margin. Great planning helps you use that margin well.

When we talk with clients about retirement, we often ask non-traditional questions:

  • What will give your days structure?
  • Who will you see regularly?
  • Where will you feel needed?
  • What are you still growing toward?

Organizations that focus on thriving in retirement, not just retiring, emphasize the same themes: purpose, connection, and intentional transition.  Money supports those answers – but it cannot replace them.

If retirement is approaching, or already here, it’s worth stepping back and asking not just “Can I retire?” but “What am I retiring to?”

That question matters more than the number if you truly want to continue to live your great life. In fact, retirement done well starts looking much more like exchanging one work purpose for a different kind of purpose. Retirement is not the Great Checkout if you want to thrive. So let’s all agree to stop using retirement as a goal to ‘be done,’ and start viewing it as financial freedom to pursue the things that make us feel most alive (Contribution, Connection, and Growth)! 

Q1 Letter to Clients

As we close the fourth quarter of 2025 and step into a new year, I want to take a moment to reflect – not just on markets and portfolios, but on the purpose behind the plan itself.

Quarterly statements naturally draw attention to short-term market movements. They are part of the story, but never the whole story. At Ridgeline, our work together has always been grounded in a longer view: helping thoughtful, capable people design financial lives that support not only security, but meaningful experiences along the way.

Many of you I would describe as Everyday Explorers – people who take responsibility seriously, but who also want to remain curious, engaged, and fully present in your lives. Financial planning, done well, should make room for both.

The Market Backdrop: Q4 2025

The final quarter of 2025 reminded investors of a familiar truth: markets are dynamic, unpredictable, and often uncomfortable in the short term.

U.S. equities experienced continued volatility as investors weighed inflation data, evolving Federal Reserve policy, geopolitical uncertainty, and questions around economic growth. Leadership rotated within the market, sentiment shifted quickly, and headlines offered no shortage of reasons to feel either optimistic or uneasy depending on the day.

This kind of environment can test confidence – especially if investing is viewed as a quarterly scorecard. But volatility is not an anomaly. It is a feature of markets, not a failure of them.  Uncertainty is not a flaw in the system – it is the system.  The real question is not whether volatility exists, but whether your plan is built to withstand it.

Why We Don’t Chase Returns or Predictions

One of the most important principles I want to reinforce – especially during uncertain periods – is that investment decisions should never be about chasing returns or predicting where markets will go next.

No one can consistently forecast short-term market outcomes. Acting as though we can often lead to unnecessary stress, poor timing decisions, and behavior that undermines long-term success.

Instead, our planning framework begins with a different foundation: ensuring that your future liabilities are matched or offset with safe, liquid resources.

When near-term spending needs, lifestyle costs, and known future obligations are covered by appropriate reserves and conservative assets, the long-term investment portfolio can do its job without interference. Growth assets are then free to compound over time, through inevitable cycles of optimism and uncertainty.

When this structure is in place, year-to-year market movements become background noise rather than a source of anxiety.

Planning With Intention – and With Life in Mind

One of the themes I continue to emphasize with clients is that planning should support living now, not just preparing for later.

For Everyday Explorers, that often means intentionally building room for travel, time away, outdoor pursuits, family experiences, and personal challenges that make life richer and more memorable. These experiences don’t happen accidentally. They require planning, margin, and clarity.

This is why our conversations extend beyond investments. Cash flow, liquidity, tax strategy, and risk management all play a role in creating the flexibility to say yes to meaningful experiences when the opportunity arises.

Tax and Planning Updates

As we move into 2026, several changes in the tax and legislative landscape are worth noting. Recent federal budget and benefits legislation is beginning to affect real-world planning decisions, including:

  • Adjustments to retirement contribution limits and age-based catch-up provisions
  • Ongoing evolution of required minimum distribution rules and inherited account timelines
  • Shifting income thresholds that affect deductions, credits, and phase-outs
  • The approaching sunset of certain prior tax provisions, increasing the importance of multi-year planning

None of these changes require reactive decisions. They do, however, reinforce the value of proactive coordination – aligning tax strategy, investment structure, and lifestyle goals well before deadlines appear.

Staying Grounded in What We Can Control

Market volatility tends to pull attention toward what we cannot control: headlines, forecasts, and short-term performance.

Your plan, however, is built around what is controllable:

  • Spending and savings decisions
  • Liquidity for known obligations
  • Asset allocation aligned with time horizons
  • Risk exposure that reflects your goals and temperament
  • A disciplined, long-term approach

When these elements are aligned, the plan does not rely on perfect market conditions to succeed. It relies on preparation, patience, and perspective.

Looking Ahead

As we enter the new year, my commitment to you remains unchanged. I will continue to approach planning through the lens of your life, not quarterly market noise. We will continue to design plans that prioritize resilience over prediction and flexibility over optimization.

Most importantly, we will continue to use money as it was intended to be used: as a tool that supports security, opportunity, and a life well lived along the way.

Thank you for your trust and partnership. I look forward to our upcoming conversations and to navigating the road ahead together.

On Adventure: Lessons from the Edge

The last two episodes of On Adventure launch a new series exploring a question: where do the pursuit of adventure and the pursuit of spirituality overlap? Not just in extreme places or dramatic moments, but in the lived experience of ordinary people willing to step into uncertainty, discomfort, and transformation. Each conversation approaches that intersection from a different angle, yet together they reveal a shared truth – growth happens at the edge.

Episode 64: Adventure, Spirituality, and the Search for Something Bigger with Reed Dunn

This episode of the series begins in the physical outdoors. Through stories of backpacking, solitude, and long days in wild places, the conversation explores why nature so often becomes a canvas for spiritual awakening.

Adventure, in this sense, is not about adrenaline or accomplishment. It is about participation. Being immersed in the natural world strips away distraction and puts us face-to-face with something larger than ourselves. Mountains, weather, and vast landscapes confront us with scale and humility. They remind us that we are small, yet deeply connected.

What emerges is the idea that spirituality is not primarily about answers, but about transcendence. In wild places, that transcendence feels immediate and unmediated. Awe interrupts control. Beauty disarms productivity. The edge of physical effort becomes an entry point into meaning.

Episode 65: Why Suffering Becomes a Spiritual Awakening with Scott Sauls

The second episode shifts the setting but not the theme. Instead of mountains and trails, the edge shows up in a personal and professional reckoning. Leaving a long-held identity, facing internal exhaustion, and stepping into an unknown future become acts of adventure in their own right.

This conversation reveals that hardship does not create what is inside us – it exposes it. Pressure brings unresolved fears, wounds, and motivations to the surface. At the edge, the stories we tell ourselves stop working. What remains is an invitation to honesty.

Here, spirituality is found not through escape, but through surrender. Letting go of performance and productivity creates space for healing, community, and a re-centered sense of calling. Adventure becomes less about doing more and more about becoming whole.

Together, these first two episodes set the tone for the series. Whether through wilderness or inner work, the overlap between adventure and spirituality is clear. Both require uncertainty. Both invite transformation. And both ask us to step beyond comfort into a life that is more present, more connected, and more true.

Planning 2026 with intention: 10 financial and life considerations for the year ahead

The start of a new year naturally invites planning. But for most people, planning quickly turns into optimization – more efficiency, better returns, tighter projections.

The more meaningful work often starts earlier than that.

Before adjusting numbers, it’s worth stepping back to ask whether your financial life is aligned with the life you want to live. As we look ahead to 2026, with several new planning rules and legislative changes becoming active under the OBBBA framework, this is an ideal moment to reset both direction and strategy.

As a kid of the ‘90’s and a David Letterman fan, I always waited for the part of the show when he revealed his (sometimes crazy, but almost always funny) Top 10 List.  Here is my attempt and a nod to Mr. Letterman with 10 financial and life planning considerations worth reviewing as you prepare for the year ahead, with a particular emphasis on building margin, clarity, and adventure into 2026.

1. Define What You Want 2026 to Feel Like

Before reviewing accounts or projections, clarify the experience you want the year to deliver.

Do you want 2026 to feel spacious or packed? Grounded or mobile? Predictable or exploratory?

Financial plans are most effective when they support a clearly defined life vision. Without that anchor, even strong financial results can feel disconnected.

2. Plan Adventure First, Not Last

Adventure is often treated as optional – something to squeeze in if time and money allow.

In practice, that usually means it doesn’t happen.

Whether adventure for you means extended travel, meaningful family trips, endurance events, or simply more time outdoors, plan it intentionally. Block the time on the calendar. Estimate the cost. Create a dedicated savings bucket.

When adventure is designed into the plan, money becomes an enabler rather than a gatekeeper.

3. Understand What’s Changing Under the OBBBA

Several provisions tied to recent federal budget and benefits legislation are now becoming relevant for 2026 planning. While the specifics vary by household, common planning areas affected include retirement contribution limits, including updated catch-up provisions for certain age ranges; required minimum distribution rules and beneficiary timelines impacting inherited retirement accounts; income thresholds for tax credits and deductions, with tighter phase-outs at higher income levels; and sunsetting provisions from earlier tax law, increasing the importance of proactive, multi-year tax planning.

The key takeaway is that understanding these changes early creates flexibility. Waiting until year-end often removes good options.

4. Revisit Your “Enough” Number

As income and assets grow, old targets often linger long after they stop serving your life.

Revisit what level of income actually supports your desired lifestyle, how much work is enough, and which trade-offs are no longer worth it.

Clarifying “enough” is often the most powerful financial decision you can make.

5. Align Cash Flow With Experience, Not Habit

Instead of asking where to cut spending, ask where your money is working well for you.

Which expenses consistently add meaning or enjoyment? Which ones feel automatic or outdated?

Redirecting cash flow toward experiences, travel, and flexibility often improves quality of life without increasing overall spending.

6. Strengthen the Safety Net

Adventure is easier to pursue when the foundation is solid.

The new year is a good time to review emergency reserves, insurance coverage, estate documents, and beneficiary designations.

These items rarely feel urgent – until suddenly they are. Proactive review reduces stress and creates confidence.

7. Simplify Where Complexity Has Crept In

Over time, financial lives naturally become more complex.

Multiple accounts serving similar purposes, legacy strategies that no longer apply, and complexity that adds confusion without value can quietly accumulate.

Simplification improves clarity, reduces friction, and makes decision-making easier when life changes quickly.

8. Use Tax Planning to Support Lifestyle Decisions

With updated thresholds and evolving rules, tax planning for 2026 should align with life choices.

This may include timing income around travel or sabbaticals, evaluating Roth strategies during lower-income years, or coordinating charitable giving with tax efficiency.

The goal is not minimizing tax in isolation, but ensuring tax decisions support the life you want to live.

9. Decide What to Stop Doing

Borrowing from the annual review approach popularized by Tim Ferriss, one of the most powerful planning exercises is deciding what to stop.

What commitments, habits, or financial behaviors create stress without meaning, consume time without return, or reflect an outdated version of you?

Stopping often creates more freedom than starting something new.

10. Build Margin Into the Plan

Finally, leave room.

Margin in your calendar allows spontaneity. Margin in your cash flow absorbs surprises. Margin in expectations builds resilience.

A plan with no margin may look efficient, but it is fragile. A plan with margin can flex and support opportunity when it appears.

Final Thought

Planning for 2026 isn’t about predicting every outcome. It’s about creating a framework strong enough to support responsibility and exploration.

When financial planning is aligned with experience, when adventure is treated as essential rather than optional, and when decisions are made intentionally rather than reactively, money becomes what it was always meant to be – a tool in service of a well-lived life.

Episode 64: Adventure, Spirituality, and the Search for Something Bigger with Reed Dunn


In today’s episode—the first in a brand-new series exploring the deeper meaning behind our outdoor experiences—I sit down with my longtime friend, pastor, everyday explorer, and deep thinker, Reed Dunn, for one of the most meaningful conversations I’ve had on this podcast. This first installment leans less on adrenaline and more on the why—why we’re drawn to the outdoors, why hardship shapes us, and why so many of us pursue experiences that push us into awe, wonder, and transcendence.

Reed and I dig into the spiritual side of adventure—what it means to connect with something beyond ourselves, whether you call that God or a higher power. We unpack the way wilderness confronts our limits, how beauty can shake us awake, and why disciplines of “no” might be more important today than ever. And of course, we talk about Reed’s years of backpacking, his favorite place in the world, and the moments that have stayed with him long after the trip ended.

⏱️ Timeline Summary

Here are the top moments from the episode:

[00:16:00] – Kicking off the conversation: why I wanted Reed on the show and how his story fits into “the meaning side” of adventure.
[00:26:00] – Reed’s early backpacking years—Colorado, Arkansas, the Buffalo River Trail, and how those experiences shaped him.
[00:35:00] – The memory of his favorite place on earth: a glacial lake, seven waterfalls, and the power of remembering without a camera.
[00:36:00] – A deep dive into spirituality: what it means to connect with transcendence, how nature becomes a pathway, and why anyone—regardless of belief—can access it.
[00:46:00] – Religion vs. spirituality: Reed breaks down the difference between learning about God and meeting God—and why both matter.
[01:13:00] – Exploring hardship, asceticism, and the spiritual importance of limitation. Why “telling yourself no” opens doors to meaning.
[01:22:00] – The connection between ancient spiritual practices, desert monks, and modern adventurers who push themselves to the edge in search of something more.

🔗 Links & Resources

🙌 Closing Remark

If this conversation stirred something in you, inspired you, or made you think differently about why we chase adventure in the first place, I’d love for you to rate, follow, share, and review the podcast. It helps more everyday explorers find these stories—and it keeps great conversations like this one coming.

Thanks for listening, and keep living your adventure on purpose.

Check out this episode!

On Adventure: Lessons from the Edge

Three Conversations. One Thread. What Endurance Really Teaches Us.

Over the last few episodes of the On Adventure Podcast, a quiet but powerful theme emerged – not about speed, podiums, or records, but about how people choose to keep going.

Across three very different guests – Lisa Decker, Mike Wardian, and Vincent Antunez – the conversations circled the same deeper questions:

  • Why do we choose hard things?
  • What happens when the plan breaks down?
  • And what actually carries us forward when the body, mind, or circumstances push back?

Here are some of the most meaningful moments and lessons from these recent conversations.

Lisa Decker – Doing It the Right Way

Lisa Decker’s story is a reminder that endurance doesn’t have to look aggressive to be powerful.

Lisa completed the Vol State 500K – a 314-mile journey across Tennessee in July heat and humidity – not by grinding herself into the ground, but by leaning into community, pacing, and joy.

She didn’t arrive at the starting line with a crew or a rigid plan. In fact, she nearly backed out. But something remarkable happened early in the race: strangers became companions. Five individuals naturally synced up, moving together mile after mile, sharing food, laughter, and long conversations.

While others battled isolation and exhaustion, Lisa’s group turned the race into a moving community. They rested together, navigated resupply stops together, and ultimately finished knowing they had shared something far bigger than a finish line.

One of the most striking parts of Lisa’s story is that she never wanted to quit. Despite sleeping on park benches, navigating closed gas stations, and enduring oppressive heat, she felt strong the entire way. No blisters. No breakdown. No dramatic low point.

Her insight was simple and profound: “If I had left the group to do my own thing, my whole experience would have been completely different.”

Lisa also spoke openly about her 120-pound weight loss and the role endurance plays in mental health and self-trust. Her takeaway wasn’t about transformation through punishment – it was about learning how to care for herself while still doing hard things.

Mike Wardian – Seeking the Edge on Purpose

If Lisa represents endurance through joy and connection, Mike Wardian represents endurance through curiosity and intention.

Mike has done things most people would never consider – running across the United States, setting age-group FKTs on the Appalachian Trail, competing at elite marathon speeds, and now preparing to row solo across the Atlantic Ocean.

Yet what stood out most wasn’t the resume – it was how deliberately Mike chooses his challenges.

He doesn’t wait for opportunities to come to him. He seeks the edge – the place where doubt creeps in and self-definition is tested. As he put it, these projects are about finding something that gives him “butterflies” again.

Mike described how goal-setting for him isn’t about perfection. He writes lists each year knowing some goals will roll over unfinished. The point isn’t completion – it’s direction.

One of the most powerful moments in the conversation came when he described the difference between who we think we are and who shows up mid-race:

“A lot of us have a vision for who we are, but until you actually step out there, it’s just in your head.”

Whether it’s mile 18 of a marathon or day 40 on the Appalachian Trail, Mike sees endurance as a mirror. The work reveals truth – not just strength, but limits, humility, and growth.

What makes Mike’s perspective especially compelling is his willingness to become a beginner again. Despite decades of experience, he’s intentionally stepping into an entirely new domain with ocean rowing – knowing discomfort and uncertainty are part of the reward.

Vincent Antunez – When the Real Battle Is the Mind

Vincent Antunez brings a different depth shaped by 32 years of military service, combat deployments, and decades of ultra-distance racing.

A retired Army Major and Physician Assistant, Vincent has completed events ranging from European 100K marches to multi-stage desert ultras and the Vol State 500K. But when asked what takes people out of races, his answer was blunt:

“The three B’s – the balls of your feet, your belly, and your brain. And for me, it’s always been the brain.”

Vincent’s endurance journey began almost accidentally – showing up to a German “walk” that turned out to be a full marathon. From there, distance became normal. What never changed was his understanding that finishing is a decision long before it’s a physical outcome.

He spoke candidly about fear, self-confidence, and early life challenges – and how overcoming literal obstacles in military training taught him something lasting: once you’ve done hard things, you can remind yourself you’ve done harder.

During Vol State, Vincent noticed Lisa Decker and her group moving differently – laughing, stopping for food, staying light. That observation stayed with him. It reinforced something he’s learned repeatedly: suffering is not the only path through endurance.

Sometimes, reframing the experience is the most effective survival skill.

The Shared Lesson: Endurance Is a Teacher

Three guests. Three very different lives. One unifying truth.  Endurance isn’t just about miles. It’s about:

  • Trusting yourself when the plan falls apart
  • Letting go of ego when it no longer serves you
  • Choosing connection over isolation
  • And understanding that progress often looks quieter than we expect

Lisa taught us that joy can be strategic.
Mike reminded us that growth requires intention.
Vincent showed us that resilience is often a mental practice, not a physical one.

Each conversation pointed to the same deeper idea: hard things shape us, but only if we’re paying attention.

That’s what makes endurance such a powerful metaphor for life, work, leadership, and family. It strips away pretense and leaves only what’s essential.

And that’s what we’ll keep exploring here – one story, one adventure, and one honest conversation at a time.

 

The top 8 financial items to review before the end of the year

As the year draws to a close, many people feel an instinct to wrap things up. It’s a natural moment to pause, take inventory, and make sure nothing important is left undone.

In financial planning, year-end reviews aren’t about scrambling or chasing last-minute tactics. Done well, they’re about clarity – confirming that your financial decisions still align with the life you’re building.

Here are the most important areas worth revisiting before the calendar turns.

  1. Taxes: Reducing Regret, Not Just the Bill

    Year-end tax planning isn’t about perfection – it’s about intention. This is the time to review realized gains and losses, assess whether tax-loss harvesting makes sense, and confirm that income timing aligns with your broader strategy. For many families, charitable giving also plays a role here – not as a tax trick, but as a thoughtful extension of their values.

  2. Required Minimum Distributions (RMDs)

    For retirees and those nearing retirement, RMDs deserve careful attention. Confirming distributions are made on time, in the correct amount, and from the appropriate accounts is critical. It’s also worth reviewing how RMDs integrate with your overall cash-flow plan. This is ideally done in the first half of the year, but if you haven’t gotten to it yet, do not delay. The penalty for missing your RMD is significant!

  3. Charitable Giving with Purpose

    Year-end giving often happens quickly. A pause can make it more meaningful. Review how and where you give, and whether you’re giving still reflects what matters most to you. Going back to your RMD’s, if you are over 70.5, you can consider using a Qualified Charitable Distribution (QCD) from your IRA to fund those giving goals!

  4. Portfolio Alignment and Risk Exposure

    Markets have a way of feeling louder in December. Year-end is a natural time to rebalance, reassess concentration, and confirm that your portfolio still supports your long-term plan. Have you set aside enough funds in safe cash and short-term bonds to match several years’ worth of coming expenses? If you’re not sure, we should talk.

  5. Estate Planning and Beneficiary Reviews

    Time with family has a way of surfacing important questions. Review beneficiary designations, trustee and executor choices, and guardianship decisions if applicable. Your beneficiary designations on retirement accounts, insurance policies, etc. are legal agreements between you and the financial institution. This means that what ever is on file will trump what is stated in your will, so make sure they line up!

  6. Retirement Readiness Beyond the Numbers

    For those approaching retirement, year-end reflection often brings deeper questions. Financial readiness and emotional readiness don’t always arrive at the same time. Both deserve attention. I’ve seen the emotional transition into retirement impact clients much more significantly than the financial transition. Make sure you have spent time preparing yourself for both.  If you are only focused on what you are retiring away from and haven’t spent any time thinking about what you want to retire towards, then you’re not ready.

  7. Simplification and Organization

    Many people enter a new year craving less complexity. Consolidating accounts and reducing unnecessary financial clutter can create a surprising sense of relief. Everyone has a financial ‘junk drawer’, where things accumulate over the years, but have no rhyme or reason or coordination. Spend time emptying out the junk drawer to assess what you have and then be intentional about what you keep and what you get rid of.  Does it serve you anymore? 

  8. Family Support and Legacy Planning

    Supporting adult children or aging parents requires balance. These decisions are rarely about math alone – they’re about boundaries and stewardship. I have noticed that there is no magic formula or one-size-fits-all approach. Every family dynamic is different and requires a thoughtful, intentional approach to what is best for everyone.

Closing the Year Well

A thoughtful year-end review isn’t about checking boxes. It’s about asking:
Does our financial plan still serve the life we want to live?  If it doesn’t or you’re not sure, give us a call….we’re here to help.

On Adventure: Lessons from the Edge

Every adventure is shaped by the person you become along the way. Over the past few weeks on the On Adventure Podcast, I’ve had three guests whose stories remind us that endurance isn’t just for the ultramarathoner, creativity isn’t limited to artists, and purpose doesn’t fade with age. Whether you’re chasing a mountain summit or simply trying to live your great life right now, there’s something here for every Everyday Explorer.

Lisa Smith-Batchen – Growing Into Greatness

When Lisa joined me on the show, she talked about what it means to age with purpose and how greatness is something we grow into, not something we’re born with. A legendary ultrarunner and coach, she’s spent four decades helping others find their “why.” Yet what struck me most wasn’t her resume of Badwater finishes or her coaching accolades—it was her humility.

Lisa believes we start out average, grow to good, and—through years of work and grace—arrive at great. She reminded me that greatness doesn’t disappear when the podiums do; it just shifts shape. For anyone feeling like their best miles are behind them, Lisa’s story is proof that you’re still the same explorer—you’ve just found new trails to run.

Tom Kubiniec – Claiming Your Own Authority

Tom’s adventure started on a different stage: under the bright lights of Los Angeles rock clubs. A former heavy-metal guitarist turned entrepreneur, he eventually became the “gun-storage guru” leading a global security company. His story is a master class in reinvention and risk-taking.

When a U.S. Army colonel once asked who he was, Tom boldly replied, “I’m the leading authority in small-arms storage and armory design.” At the time, he wasn’t—but he became it. His lesson to the rest of us? Sometimes you must stake a claim before you’ve earned it, then back it up with relentless learning and integrity.

Tom also spoke about embracing failure as fuel for innovation. At his company, the motto is “fail fast.” For the Everyday Explorer, that’s a reminder that forward motion often begins with falling down—then standing back up with new wisdom and another idea.

Vincent Antunez – Endurance as a Teacher

Vincent’s story weaves together service, resilience, and quiet perseverance. A retired Army Major and physician assistant, he spent more than three decades in uniform before turning his focus to ultra-endurance racing. From the Vol State 500K to multi-day stage races across the desert, Vincent has learned that the real battle isn’t with blisters or heat—it’s with the mind.

He told me the “three Bs” that can take you out of any race: belly, balls of your feet, and brain. The last one, he said, is the hardest to overcome. His solution? Keep an optimistic outlook, one step at a time. For Vincent, endurance has become his greatest teacher—shaping how he views pain, humility, and what it truly means to finish strong.

Keep Moving Toward Your Own Great Life

Lisa, Tom, and Vincent couldn’t be more different in background, yet their paths converge on a shared truth: growth happens at the edge of discomfort. Whether you’re building a business, raising a family, or running your next race, the lessons from these three explorers are clear—keep learning, keep adapting, and keep putting one foot in front of the other.

Listen to their full conversations on the On Adventure Podcast—and keep chasing the life that calls you forward.

Episode 62: From Ultras to FKT’s to Ocean Crossings: You Won’t Believe What Mike Wardian’s Doing Next!


What happens when you stop waiting for permission and start chasing wild, audacious goals? That’s exactly what we unpack in this powerhouse episode with Mike Wardian—elite endurance athlete, record-setting runner, and all-around inspiration. From running across the United States to setting a fastest known time (FKT) on the Appalachian Trail for his age group, Mike shares the mindset behind tackling the unimaginable.

But this conversation goes beyond races and records. Mike opens up about what fuels his drive, how he builds resilience through repetition, and how he balances his career, family, and love for adventure. Whether you’re prepping for your first 10K or dreaming of rowing solo across the Atlantic (yep, that’s on his calendar too), there’s something here for everyone chasing big goals.

🔥 What You’ll Learn

  • How Mike plans his insane endurance calendar using a Post-it Note system

  • The real story behind his Appalachian Trail record attempt — injuries, storms, and mental toughness

  • Why he’s trading trails for water in 2027: rowing across the Atlantic solo

  • How to push through when motivation runs dry — the power of micro-goals

  • Mike’s approach to family, business, and adventure life balance

  • What he’s learned about humanity and resilience from running thousands of miles

🏆 Featured Moments

[1:04] – Mike’s “goal list” strategy for setting and sticking to ambitious challenges
[4:58] – What is the Taco Bell 50K and the Full Ham Triathlon? (Hint: They’re tougher than they sound)
[6:55] – Why Mike’s next adventure is rowing solo across the Atlantic Ocean
[9:02] – The difference between saying yes to challenges and actively seeking them out
[15:45] – Why the Appalachian Trail holds a special place in Mike’s heart
[23:10] – Trail injuries, vegan nutrition, and how Mike fueled himself with 10,000 calories a day
[32:45] – How Mike balances a full-time career and family life while pursuing ultra-endurance feats
[39:01] – The truth about running across America—traffic, kindness, loneliness, and everything in between
[45:40] – Why 100 burpees a day became a key part of Mike’s training routine

🧠 Listener Takeaways

  • Your biggest goals are within reach if you break them into daily reps

  • You don’t need to quit your job to live an adventurous life

  • Embrace the beginner’s mindset — it’s where the magic starts

  • There’s no substitute for consistency and curiosity

  • “Run toward the thing you’re afraid of — it’s probably where the growth is.”

📌 Links & Resources

  • Follow Mike Wardian on Instagram: @mikewardian

  • Learn more about Mike’s gear and sponsors: Teva, Bakline

  • Check out upcoming grassroots races like the Taco Bell 50K via Mike’s socials

👏 Connect with Us

Be sure to subscribe to our YouTube channel for full episodes, behind-the-scenes content, and more conversations just like this. You can find us on YouTube by searching On Adventure Podcast with Josh Self — and don’t forget to hit the bell so you never miss a new drop.

If this episode inspired you, please follow, rate, and review the podcast on your favorite platform. It helps us grow and reach more everyday adventurers like you. And hey—share it with a friend who’s chasing their own wild goals.

Check out this episode!