Episode 57: Barefoot Running, the Badwater Double FKT, and Chasing the Grid with Ken Posner


In this episode of the On Adventure Podcast, I sit down with Ken Posner—ultrarunner, author, former Army Ranger, and corporate financial analyst—to explore the transformative power of pushing physical and mental boundaries. Ken shares stories from his extraordinary journey completing the “grid”: summiting all 35 high peaks of New York’s Catskills in every month of the year. Along the way, he stripped away technology, embraced barefoot running, and found a deeper connection with nature and himself.

This episode isn’t just about extreme endurance. It’s about rediscovering who we are when the noise of the modern world fades away. We unpack how doing hard things in nature can bring clarity, strength, and a more balanced life. Whether you’re curious about barefoot hiking, intrigued by minimalist living, or seeking inspiration to shake up your own routine, Ken’s story will move you.

Timeline Summary:

[2:22] – Ken’s shift from corporate life to ultra endurance running in his late 30s
[4:00] – Why he started running barefoot and what kept him going
[7:45] – The joy, mindfulness, and sensation of barefoot movement
[10:10] – Balancing high-tech corporate work with minimalist, analog outdoor living
[19:00] – The metaphor of “signal vs. noise” and how nature helps us tune in
[28:30] – Pain vs. suffering: building resilience through chosen challenges
[35:00] – The Badwater Double: a 292-mile journey through Death Valley and back
[47:30] – How the mountains called him at age 50 and led to chasing the grid
[54:00] – The spiritual and transformative lessons learned through mountain pilgrimages

Links & Resources:

Closing Remark:

Please check out Ken’s website and support him by purchasing his new book! 

If this episode sparked something in you, share it with a friend who could use a little adventure in their life. Be sure to follow, rate, and leave a review of the podcast and well as our new YouTube channel—it helps us reach more everyday explorers just like you. Thanks for tuning in!

Check out this episode!

Three Adventures, Three Life Lessons – New Episodes of On Adventure Podcast

If you’ve missed the latest episodes of On Adventure Podcast, now is the perfect time to catch up. These three conversations share a common thread – ordinary people stepping into extraordinary moments – yet each one unfolds in a completely unique way. You can find all of these at the podcast website linked here or any podcast app.

Holly Budge: Skydiving Over Everest and Fighting for Wildlife

Holly Budge doesn’t just chase adrenaline; she turns her adventures into advocacy. In our conversation, she recounts becoming the first woman to skydive over Mount Everest and racing semi-wild horses across Mongolia. But the real heartbeat of Holly’s story is her work supporting female wildlife rangers protecting endangered species. Her insights on fear – how to normalize it and even use it as fuel – will leave you rethinking how you approach challenges in your own life.

Tanner Critz: Hiking Toward Identity on the Appalachian Trail

Tanner’s journey is raw and reflective. He opens up about hiking the Appalachian Trail in his early 20s, not just for the adventure but as a way to strip life down to the essentials and ask, Who am I really? Along the way, he wrestles with hidden health struggles, isolation, and the profound reset that comes from removing every societal label to rediscover yourself in the wilderness.

Brian Warren: From Mountain Guide to Fatherhood and New Horizons

Brian Warren’s life arc reads like an explorer’s logbook – thru-hiking the AT days after high school, moving to Jackson Hole sight unseen, and guiding climbs from the Tetons to the Himalaya. Yet his current challenge is far different: stepping out of the outdoor industry, embracing fatherhood, and navigating a new career path. Our discussion explores how the lessons of mountaineering – presence, risk, and reinvention – translate to the next chapter of life.

Each episode captures a different angle of adventure – from fear to identity to reinvention – and offers takeaways you won’t find in a highlight reel. Grab your headphones, go for a walk, and dive into stories that might just shift how you see your own journey.

Q3 Letter to Clients

July 2025

The days are already getting shorter – barely noticeable, but real. And while many of us in the South still have some scorcher days ahead, the halfway point of the year is a good time to pause and reflect.

Market and Economic Overview

Feeling some whiplash from the markets lately? You’re not alone. It’s been a wild ride, and once again, it reminds us why we’re such big fans of staying in your seat. Global tensions have kept uncertainty front and center, which usually means more market volatility. In plain terms, the roller coaster gets steeper—both on the way down and the way back up.

History has shown that some of the biggest market gains come right after sharp declines. The problem is, we never know exactly when that rebound will happen. Guessing wrong can be costly – and in some cases, set a portfolio back for decades (see the chart below).

In moments like the February 19th to April 8th drawdown this year – when the S&P 500 fell nearly 19% in just a few weeks – the temptation to jump off the ride can be strong. It will take your breath away.  But staying disciplined and committed to your plan is what makes the difference. It’s time in the market, not timing the market, that leads to long-term success.

One note of caution: it’s important that money needed for near-term living expenses isn’t exposed to these kinds of market swings. Lately, we’ve become strong advocates of a liability-driven investment approach – matching your investments to specific future spending needs – rather than just thinking in terms of general asset allocation. If that’s unfamiliar, we’d love to talk more at your next meeting.

Money in Service of Values

When markets get noisy, perspective matters. Money is at its best when it serves what you truly value. That’s a theme I’ve heard repeatedly from recent guests on my On Adventure podcast—entrepreneurs, musicians, conservationists. The thread that runs through all their stories? Wealth isn’t the end goal. It’s a tool to create freedom, meaning, and impact.

What’s the point of building bigger buckets if the money never gets used to shape a better life—for yourself or someone else? When aligned with purpose, money becomes transformative. It allows us to live with integrity, build what matters, and contribute beyond ourselves. And yes, to seek out a few great adventures along the way.  In that light, money becomes more than just currency. It becomes agency.

Thank you for your continued trust. Please feel free to reach out anytime.

What the Latest Tax Bill Means for You (Without the Jargon)

A significant tax and spending package – nicknamed the One Big Beautiful Bill (OBBBA) – recently passed the U.S. House and is now being debated in the Senate. This isn’t just Capitol Hill chatter – it has direct implications for your financial plans, and I want to make sure you’re informed without getting bogged down by technical jargon.

Here are five key areas currently up for discussion:

  1. SALT Deduction Cap: House Wants $40K, Senate Uncertain

The House-approved bill proposes raising the State and Local Tax (SALT) deduction cap significantly—from $10,000 up to $40,000 (joint filers), permanently. This is a notable change for anyone living in high-tax states or dealing with substantial property taxes.

The Senate, however, hasn’t fully embraced this increase yet. They’re leaning toward maintaining the current $10,000 cap, sparking intense negotiations.

What it means for you:

If you typically itemize and live in a higher-tax region, your deductions – and thus your tax bill – could swing substantially depending on the final agreement.

  1. Child Tax Credit and Family Incentives

Both chambers agree broadly on enhancing the Child Tax Credit. The proposal currently extends the credit at $2,000 per child permanently, with a temporary increase to $2,500 per child until 2028.

The House version also includes a novel initiative: $1,000 “baby bonus” accounts for newborns through 2029. The Senate is debating this component, but no firm commitments yet.

What it means for you:

Enhanced child credits or potential baby savings accounts might mean extra breathing room in your budget or additional savings opportunities.

  1. No Taxes on Tips and Overtime?

The bill includes bipartisan provisions to exempt certain tip income and overtime earnings from federal income tax, at least up to certain thresholds. This initiative targets workers in the hospitality industry, gig economy, and service sectors.

Both the House and Senate versions reflect strong support for making tips and overtime pay partially tax-exempt, potentially putting more money directly into workers’ pockets.

What it means for you:

If your income includes tips or overtime, your net earnings could rise, meaning immediate cash-flow improvements.

  1. Green Energy Credits Could Change Drastically

The House version plans significant rollbacks of existing clean-energy incentives introduced previously under the Inflation Reduction Act. The Senate prefers a more moderate path—keeping credits for geothermal, hydropower, and nuclear energy intact longer, but phasing out solar and wind incentives sooner.

What it means for you:

If you’ve planned home efficiency upgrades or renewable-energy installations, these changes might affect your timing or feasibility, depending on what incentives remain.

  1. Taxes on Social Security Income May Shift

An additional change currently debated is how Social Security income is taxed. The House bill includes proposals to raise the income thresholds at which Social Security benefits become taxable, meaning potentially fewer recipients would owe taxes on these benefits.

The Senate’s stance isn’t finalized yet, but similar adjustments are being seriously considered.

What it means for you:

Retirees—or soon-to-be retirees—might see significant shifts in their taxable income, impacting cash flow, retirement planning strategies, and possibly allowing greater flexibility in your spending plans.

Broader Implications and Timing

  • Deficit Impact:

    The Congressional Budget Office (CBO) estimates the bill could increase the federal deficit by $2.8–$3.8 trillion over the next decade. The tax cuts, expanded credits, and changes in income taxation are major drivers of this projection.
  • Medicaid and Healthcare:

The bill could also affect healthcare spending, potentially tightening Medicaid eligibility rules, which could indirectly affect financial planning for healthcare costs in retirement.

  • Timeline:

After passing the House on May 22, 2025, the Senate is aiming to finalize its version before the July 4 recess, intending to bundle it with a new debt-ceiling increase.  There is still disagreement on these even within the majority party, so the deadline is currently up in the air.

The Bottom Line (for Now)

Given these proposals are still in flux, flexibility will be essential in your financial strategy. Areas to watch closely include SALT deductions, family-related tax credits, changes in taxable income from tips and overtime, renewable-energy incentives, and especially the taxation of Social Security benefits.

We’re closely monitoring these developments. Rest assured that once the final details are clear, we’ll recalibrate your financial plan together – ensuring you’re positioned to make the most of these new opportunities or to mitigate any potential challenges.

Remember, my goal remains unchanged: helping you live your great life right now, confidently navigating whatever comes next. As always, I’m here if you have immediate questions or if any of these changes prompt you to rethink current plans.

What the Everyday Explorers of the On Adventure Podcast Have Taught Me About Making a Good Life Great

You have a solid job that covers the essentials and taps into your talents. Your relationships with your spouse, children, extended family, and close friends are meaningful and enriching. Your home offers both comfort and safety, and your golf outings or local volunteer work add enjoyable dimensions to your routine.

On paper, you’re living the ideal life. Yet many who tick these boxes still feel there’s a gap—something intangible yet deeply felt.

Recently, a compelling study published in Affective Science explored exactly what constitutes a truly “good life.” Researchers surveyed nearly 4,000 individuals from nine countries, including the U.S., asking participants to envision their ideal lives and rank various descriptors reflecting happiness, meaning, and psychological richness.

Happiness as the Foundation

The study identified foundational happiness with descriptors like:

  • Stable
  • Comfortable
  • Simple
  • Happy
  • Pleasant

This is your baseline. Achieving this level of happiness means your basic emotional and physical needs are met. From here, you have the stability and clarity needed to expand your life in meaningful ways.

Adding Layers of Meaning

The next dimension is meaning, expressed through terms such as:

  • Meaningful
  • Fulfilling
  • Virtuous
  • Sense of purpose
  • Involves devotion

This aligns perfectly with the conversations we have on the On Adventure podcast, highlighting individuals who choose purpose over mere comfort. Whether through meaningful work, volunteerism, or mentoring, creating a life of purpose enriches your emotional experience and builds a legacy.

As I’ve discussed frequently on the podcast, meaning becomes even more critical during life’s transitions, especially retirement. Those who pursue meaningful work or passions tend to continue finding fulfillment long after their career concludes.

Embracing Psychological Richness

Perhaps most intriguing—and closely related to our ongoing discussions on adventure—is the third dimension: psychological richness, characterized by:

  • Eventful
  • Dramatic
  • Interesting
  • Full of surprise
  • Psychologically rich

Adventure inherently creates psychological richness. It involves challenge, uncertainty, overcoming obstacles, and embracing curiosity. It keeps you from stagnation and boredom. Guests on the On Adventure podcast consistently affirm that embracing adventure dramatically enriches their lives, offering insights, perspective shifts, and growth opportunities they never anticipated.

The interplay between happiness, meaning, and psychological richness evolves as you journey through life. Adventure, in various forms, ensures that you continuously grow and remain energized.

So how do we balance these elements effectively, especially as our lives change over time? That’s where Life-Centered Planning comes into play—helping you strategically align your resources with the kind of life that genuinely excites and fulfills you right now. Let’s explore together how your personal adventure can guide the design of your great life right now!

Episode 51: The Journey to Ultra – Why Endurance Athletes Need a Strong Mind and Stronger Community with Jess Hanson


In this episode of On Adventure, I sit down with Jess Hanson—a certified mental performance consultant, ultra runner, and coach—to explore what it takes to build a resilient mindset for both high-performance athletes and everyday adventurers. Jess shares her journey from playing lacrosse in college to coaching athletes across sports like skiing, mountain biking, and ultra running. We dive deep into how the mental game shapes athletic success, and how pushing your physical and emotional limits can unlock deeper purpose, confidence, and grit.

If you’ve ever faced the “dark moments” in endurance sports or wondered how to mentally prepare for big goals, this conversation is for you. We talk about identity, risk, motivation, and what it really takes to show up when things get hard. Plus, Jess gives us a behind-the-scenes look at her own ultra journey – yes, even the gritty details of 100K races, helicopter skiing, and rim-to-rim-to-rim Grand Canyon adventures.

⏱️ Timeline Summary

  • [1:20] – From lacrosse to ultra running: Jess shares her athletic evolution

  • [4:45] – Why mental performance matters—and how it’s different from traditional coaching

  • [11:40] – Facing fear in the backcountry and building confidence in uncertain moments

  • [16:50] – Running her first 50-miler with just two months of training (!)

  • [21:55] – Mental spirals and self-talk strategies during her 100K trail race

  • [33:10] – Why she loves working with high school athletes and how she helps them reshape their relationship with sport

  • [45:10] – What drives Jess to keep pushing her limits in running, skiing, and life

🔗 Links & Resources

💬 Closing Thoughts

If this episode gave you fuel to keep chasing your goals – or gave you tools for when the trail gets tough – please rate, follow, and share On Adventure. Also find us on our new YouTube page and click to subscribe!  And if you haven’t yet, go back and check out Episode 36 with Jess’s dad, Scott Hanson, for more inspiring stories from the trail.

Check out this episode!

Episode 48: Beautiful rebellion and choosing creativity over conformity with Thad Cockrell


In this episode of the On Adventure Podcast, I sit down with singer-songwriter and creative visionary Thad Cockrell for a conversation that took an unexpected but deeply inspiring turn. Thad opens up about his journey from wrestling mats and seminary halls to Nashville stages and international acclaim—all while forging a career based on creativity, authenticity, and saying a bold “yes” to uncertainty. We explore what it means to create from love rather than fear, and how rebellion, doubt, and wonder can be sacred tools on the creative path.

From Thad’s bold decision to sell his album for $100 directly to fans, to the moment Jimmy Fallon discovered his song in a hardware store, this conversation will challenge the way you think about success, security, and what it means to truly create without an agenda. Whether you’re an artist, entrepreneur, or just someone seeking a more intentional life, this episode is packed with insight and soul.

⏱️ Timeline Summary:

[1:45] – Thad on how creativity is a daily act of defeating doubt
[4:00] – Why you can’t conform and create at the same time
[9:55] – The childhood moment that sparked Thad’s unexpected path toward music
[14:20] – Discovering Neil Young and realizing, “This is what I’m supposed to do”
[24:30] – Moving to Nashville and the wild story of unexpected community support
[33:50] – Thad’s transformative shift from insecurity to creating from security
[44:00] – How he released his latest album for $100 and made more than 13 years on Spotify
[49:50] – What it means to create from the present moment with no need for external validation
[56:00] – Thad’s big dream: building a new music economy and going platinum without streaming

🔗 Links & Resources:

🙌 Enjoyed This Episode?

If this conversation sparked something in you, I’d love for you to leave a review, share the episode, or hit that follow button. Your support means the world and helps more people find the podcast. Thanks for being part of the adventure!

Check out this episode!

Episode 47: Suffering together with Patrick Serfass


Some stories grab you right from the first sentence—and this one, with Patrick Serfass, took me on a ride I didn’t want to end.

Patrick isn’t just a triathlete, or a renewable energy leader, or a dad raising two adventurous boys. He’s a guy who once said yes to sailing a 26-foot boat with no refrigeration all the way to South America. A guy who climbed the Grand Teton without any prior climbing experience. But what really makes his story stick with you is what happened when all of that—his athletic identity, his mobility, his very sense of self—got upended in a moment.

In this episode, we talk about what it means to suffer well, how ego can drive growth, and why the most powerful moments in life often come through challenge. We talk about trust, adventure, the loneliness of injury, and the healing that comes when you’re surrounded by people who say, “I’ve got you.” If you’ve ever been forced to let go of something you thought defined you—this one’s for you.

⏱️ Timestamps

[1:12] – Patrick introduces his family and his lifelong pull toward movement and travel
[5:55] – A spontaneous dinner conversation leads to a year-long sailing adventure
[12:01] – Why shared suffering forges deeper connection than comfort ever could
[17:40] – Losing the ability to run, and finding new purpose beyond the podium
[30:17] – What happens when your body becomes the limiting factor—and you say yes anyway
[35:12] – Climbing Grand Teton without climbing experience: fear, faith, and the magic of the mountains
[47:40] – The unexpected rewards of pushing through what scares us
[56:00] – What it really means to “stay in shape for the next adventure”—and why it’s not just physical

🔗 Links & Resources

If you’ve ever had to redefine who you are, if you’ve ever stood at the edge of something scary and whispered “yes,” I hope this episode reminds you: you’re not alone.

And hey—if it did speak to you, don’t forget to share the love. Follow, rate, and leave a review to help On Adventure reach more listeners who need these stories just as much as we do.

Check out this episode!

Episode 46: The Great Nearby – Chasing Wild in North Carolina with John Norwood


In this fun episode, Josh sits down with John Norwood, a commercial banker from Raleigh, North Carolina, whose second identity is that of a passionate adventurer. While John’s day job revolves around numbers and negotiations, his soul is stirred by trails, waterfalls, and sunfish sails. Rather than jetting off to exotic lands, John finds endless wonder in his own backyard—the mountains, lakes, and coastlines of North Carolina.

Together, they explore John’s lifelong connection with the outdoors, how he blends adventure with a full-time career, and how he’s cultivated a community of fellow explorers. From Christmas Day hikes to dry-suit sailing in winter winds, John shares stories that blend practical inspiration with a bit of wanderlust magic. 🌲🛶

⏱️ Timestamps

  • [00:00:00] Introduction to John Norwood and his adventurous alter ego

  • [00:03:00] Family traditions and the origin of the “dreaded Christmas hike”

  • [00:06:00] Sailing in dry suits and winter wind at Falls & Jordan Lake

  • [00:11:00] An unforgettable halibut fishing trip in Alaska

  • [00:16:00] Why John chooses to adventure local

  • [00:18:00] The magic of Grayson Highlands and wild ponies

  • [00:24:00] John’s roots in outdoor exploration

  • [00:33:00] The 11-year quest to complete 100 Classic NC Hikes

  • [00:37:00] Turning solo trips into a thriving hiking community

  • [00:41:00] The deep “why” behind adventuring: mental clarity, physical challenge, and spiritual renewal

  • [00:51:00] Upcoming trips: Cape Lookout Jeep expedition & AT alternatives post-Hurricane Helene

🔑 Key Takeaways

  • Adventure is everywhere – You don’t need a passport to find wonder.

  • Make space for solitude – Recharging happens when you unplug and reconnect with nature.

  • Community grows through shared challenge – John’s trips turned into a tribe.

  • Local treasures, lifetime stories – From Grayson Highlands to the Sycamore Trail sleep hack, there’s beauty in repetition.

“The trail gives me solitude, structure, and stories—and that’s what keeps me coming back.” – John Norwood

Check out this episode!

Q2 Letter to Clients

As we wrap up the first quarter of 2025, I want to briefly reflect on recent market activity and share some thoughtful insights on maintaining perspective during volatile times.

Market and Economic Overview

This quarter reminded us that markets rarely move in a straight line. The S&P 500 saw a decline of a little more than 4%, driven largely by investor unease over inflation concerns and uncertainty about global trade policies. Additionally, international markets showed surprising resilience, with the MSCI All Country World Index ex-U.S. index outperforming the S&P 500 index by nearly 11 percentage points, marking the strongest first-quarter performance for international stocks since 1987, demonstrating the importance of diversification in your portfolios.  And yet, these numbers mean nothing to me, and they shouldn’t to you either.  Index returns, especially over one quarter, say nothing about whether you are on track to achieve your own personal goals or more importantly, about whether you are living your great life right now.  You should be tracking your ROL index, and the stock market has nothing to do with that!  These short-term returns are just noise, distracting you from the conversation that really matters.

Strategic Opportunities Amid Volatility

While volatility can feel uncomfortable, it’s essential to recognize the opportunities it creates for a long-term investor. We continuously monitor your portfolios for opportunities like tax-loss harvesting – turning short-term declines into meaningful tax savings – and strategic rebalancing which keeps your investments on target to your risk model.  Or better yet, if you have cash on the sidelines, putting new cash to work in your investment accounts is a great way to take advantage of lower asset prices, which has an outsized effect on your future portfolio!  Volatility coming from risk is also the price we all must pay in order to expect longer-term returns that outpace inflation. 

Great New Content

In line with our belief in tuning out short-term noise and focusing on long-term goals, Dimensional Fund Advisors recently released an exceptional documentary film called, “Tune Out the Noise,” directed by Academy award-winning filmmaker, Errol Morris. I highly recommend this impactful video, which beautifully captures the essence of remaining grounded and focused amid market distractions, spoken from the perspectives of some of the smartest people in finance over the last 60 years.  Check it out in the link below.

Above all, remember that your financial plan is built specifically for times like these – grounded in your personal goals, risk tolerance, and life’s milestones. Markets will always fluctuate, but our commitment to your financial well-being remains constant.

Thank you for your continued trust. Please feel free to reach out anytime.