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 Return on Life 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.

Episode 45: What’s worthy of your finitude with Patrick Moody


I love these conversations, but this one was fun.  We hit on the depths of the human condition to drive each of us on to our own adventures.  So what happens when a dedicated trial attorney makes adventure a non-negotiable part of his life? In this episode, I sit down with Patrick Moody, a prosecutor for the state of Montana who refuses to let a demanding career keep him from chasing adventure. From trail running right out his back door to tackling high-altitude mountaineering, Patrick has found a way to integrate the wilderness into his daily routine.

We dive into his experiences traveling across five continents in a single year, climbing some of the world’s most stunning peaks, and even navigating a life-altering arthritis diagnosis that nearly took away his ability to walk. Patrick shares how he mentally and physically pushes through challenges, what drives him to keep pursuing difficult things, and why he believes that truly living means stepping into the unknown. This conversation is packed with insights on adventure, resilience, and making the most of the time we have.

Episode Highlights:

[1:30] – Patrick’s background as a Montana-based attorney and adventure-seeker
[3:15] – Why Helena, Montana is a paradise for outdoor lovers
[6:45] – The shocking arthritis diagnosis that nearly ended Patrick’s ability to move
[10:20] – How he rebuilt his body and got into trail running post-diagnosis
[15:45] – The lessons of adventure: losing a parent young and growing up without wealth
[22:10] – Learning to listen to his instincts on when to push forward and when to turn back
[31:05] – The scariest moment of his mountaineering career—trapped in a lightning storm
[35:55] – A year of adventure: how Patrick traveled to five continents in 2024
[44:30] – The importance of intentionality in adventure, career, and finances
[50:10] – Type 1, Type 2, and Type 3 fun—why suffering is part of the reward

Links & Resources:

Join the Adventure!

If you enjoyed this episode, please leave a rating and review! Follow the show for more inspiring conversations with people who make adventure a priority in their lives. And if this conversation resonated with you, share it with someone who needs a little extra push to chase their own adventure. 🚀 🎙️

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Episode 44: From high heels and fashion to hiking boots and fly fishing with Kimberly Brookshire


What would you do if failure was a real possibility? If suffering was inevitable, but you had the option to walk away? Would you still go for it? My guest today, Kimberly Brookshire, knows this challenge well. She’s a long-distance hiker, a women’s adventure guide, and a passionate fly fisher—always choosing the hard path, the uncertain path, because that’s where she finds the most growth.

In this episode, Kimberly shares her journey from fashion and city life to hiking thousands of miles on some of the toughest trails in the U.S. and beyond. She opens up about why she keeps pushing her limits, how she finds meaning in suffering, and the lessons she’s learned from guiding women through their own adventurous pursuits. Whether you’re an outdoor enthusiast or simply looking for inspiration to take a bold step in your own life, this conversation is packed with wisdom, humor, and a fresh perspective on what it means to live fully.

Episode Highlights:

[2:15] How a childhood filled with adventure led Kimberly to long-distance hiking
[6:40] The pivotal decision to hike the Mountain-to-Sea Trail—and why no one thought she’d finish
[15:20] Why guiding women’s adventure trips is about more than just the outdoors
[25:00] Handling adversity on the trail: lessons from near disaster
[37:45] The mental toughness strategies that keep Kimberly pushing forward
[45:10] Finding the balance between solo adventures and guiding others
[54:30] The Arizona Trail: what’s next on Kimberly’s adventure list

Links & Resources:

If you enjoyed this episode, be sure to subscribe, rate, and leave a review! It helps others find the show and keeps the adventure going.

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Episode 43: Beyond the Pavement with Frank Trotter


What do banking and backcountry exploration have in common? More than you’d think! In this episode of the On Adventure, I sit down with Frank Trotter—banking pioneer, entrepreneur, and avid adventurer. From his early days racing cars in Europe to co-founding EverBank and now launching Battle Bank, Frank shares how his career has been driven by innovation and a passion for pushing boundaries. But it’s not all business—Frank also dives into his love for outdoor exploration, from summiting 14ers in Colorado to backcountry treks in Argentina.

We talk about the lessons learned from extreme environments, the balance between risk and reward, and how his entrepreneurial spirit aligns with his drive for adventure. Plus, we dive into the incredible Excellent Adventures group and why surrounding yourself with the right people makes all the difference—whether in business or the wilderness.

Episode Highlights:

  • [2:00] Frank’s journey from hockey in St. Louis to racing cars in Europe
  • [6:30] The evolution of internet banking and why he’s launching Battle Bank
  • [10:45] The hidden ways big banks profit off their customers
  • [18:20] The Excellent Adventures hiking group and its impact on Frank’s outdoor pursuits
  • [24:15] Facing physical challenges—how a medical study changed his ability to keep exploring
  • [35:40] The connection between adventure, mindfulness, and perspective
  • [48:00] Knowing when to push forward and when to turn back—lessons from the mountains
  • [52:30] What’s next? Zion, GoPro Games, and upcoming adventures

Links & Resources:

Enjoyed this episode?

Make sure to subscribe, leave a review, and share with a fellow adventurer. And if you haven’t already, sign up for my newsletter, The Money Trail Guide, at www.ridgelinewealthadvisors.com to stay inspired on your financial and adventure journey!

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Episode 42: Endurance, Exploration, and the Art of Adventure with Roy Malone


What does it take to push your body and mind to the limit for days on end—while relying entirely on a team? The answer is epic!  In this episode, I sit down with seasoned adventure racer Roy Malone, who has spent the past 24 years competing in some of the toughest endurance races in the world. From trekking through the jungles of Fiji to navigating the badlands of North Dakota, Roy shares the highs, the lows, and the life lessons that come from competing in these multi-day, non-stop races.

We dive deep into the mental and physical grit required to finish these extreme challenges, the team dynamics that make or break success, and how adventure racing parallels the business world in unexpected ways. Roy also talks about his new venture, TerraVenture, which is bringing adventure to everyday explorers who crave the thrill of the unknown. If you’re curious about endurance racing, risk-taking, or just want to hear some unbelievable stories from the wild, this is an episode you won’t want to miss!

Episode Highlights

[00:00] – Welcome and introduction to Roy Malone
[02:45] – How Roy balances adventure racing, family life, and a career in finance
[08:10] – What is adventure racing? A deep dive into the sport’s extreme challenges
[12:30] – The mental game: Handling sleep deprivation, exhaustion, and team dynamics
[22:00] – Hallucinations on the trail: Roy’s wildest experiences in multi-day races
[31:15] – The toughest race of Roy’s career and why Fiji pushed him to his limit
[40:45] – TerraVenture: Roy’s mission to bring adventure racing to a broader audience
[55:00] – What’s next? How long Roy plans to keep competing and where he’s headed next

Links & Resources

🔗 Learn more about Team Bones Adventure Racing: BonesAdventure.com
🔗 Explore Roy’s new company, TerraVenture: Terra-Venture.com
📧 Connect with Roy via email:

Enjoyed the episode?

If you loved this conversation, be sure to subscribe, rate, and review the show! And don’t forget to share it with a fellow adventurer. 🚀🎙️

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Episode 38: From the Wilderness to the Operating Room with Dr. Tommy Gavigan


In this episode of the On Adventure Podcast, I catch up with an old friend and fraternity brother, Dr. Tommy Gavigan. From our days at the University of North Carolina to his current life as a practicing surgeon in Charlotte, Tommy’s journey has been anything but conventional. After college, Tommy spent nearly a decade guiding teenagers into remote wilderness areas with Moondance Adventures—experiences that shaped not only his leadership but also his path into medicine.

We explore the connection between pushing past your comfort zone in the backcountry and managing high-stakes scenarios in the operating room. Tommy shares incredible stories of adventure, personal growth, and how these experiences molded his outlook on life. Now in his “Adventure 3.0,” he reflects on fatherhood, future aspirations, and why challenging yourself—physically, mentally, and emotionally—is key to living fully.

This episode is a deep dive into why we seek hard things, what we gain on the other side, and how adventure can prepare us for life’s biggest moments.

Episode Highlights

  • [1:10] – Introduction: Reconnecting with Tommy and his unique journey post-UNC.
  • [4:45] – The Moondance Adventures: From green teenagers to life-changing moments in the wilderness.
  • [12:30] – Real backcountry challenges: Lightning storms, hypothermia, and a rare grizzly bear encounter.
  • [18:00] – Service through adventure: Teaching kids leadership, grit, and resilience.
  • [31:30] – From outdoor leader to surgeon: Tommy’s leap into medicine and his pivotal “letter to the future self.”
  • [39:20] – Adventure 3.0: Parenthood, teaching his son the outdoors, and future dreams.
  • [42:15] – Managing high-stakes stress: Lessons from the wilderness to the operating room.
  • [45:30] – What’s next? Personal peaks, challenges, and expanding the comfort zone.

Links & Resources

Check out this episode!

Episode 37: Paying off $225,000 of student loan debt to fuel big adventures with Matt Miner


In this episode of the On Adventure Podcast, I sit down with my friend and former colleague, Matt Miner, to talk about his unique take on adventure. From growing up in Seattle and Tucson to now running his own wealth management firm, Matt shares the pivotal moments that shaped his life and career.

We explore what it means to embrace life’s challenges, how intentional planning creates opportunities, and why staying true to your values makes all the difference. Whether it’s his love for the outdoors, paying off substantial debt, or helping his kids prepare for adulthood, Matt’s story is full of practical wisdom and honest reflections.

If you’ve ever wondered how to navigate big life transitions while staying grounded, this conversation is for you.

Timeline Summary

[00:00] Introduction – Welcoming Matt Miner and a look at his journey.
[02:00] Roots and Resilience – Growing up in Seattle, moving to Tucson, and finding adventure outdoors.
[06:30] Career Transitions – From corporate roles to entrepreneurship: lessons learned.
[12:00] Debt-Free Milestone – How Matt’s family paid off $225,000 in debt and moved forward.
[19:00] The Outdoors Connection – Hunting, backpacking, and building community.
[26:15] Journaling for Growth – Using writing to reflect and move forward.
[33:45] Family Legacy – Preparing the next generation with life skills and values.
[36:00] Key Takeaways – The power of knowing your values and making intentional choices.

Links & Resources

Closing Remarks

If you enjoyed this episode, subscribe to the show and leave a review. Your support helps us bring more thoughtful conversations like this one to life.

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Election Day Reflections

I sent this letter out initially in the midst of Election Day.  There obviously was a lot of energy in the air. Anticipation runs high, and the headlines were filled with speculation on what the choices mean for the markets. But here’s the perspective we can hold: while political outcomes may feel momentous, they rarely dictate the path of long-term investments.

Here are some helpful reminders as we continue to move through this election cycle:

Election outcomes and stock market outcomes are not correlated.

Election results and market returns are often far less connected than the news might suggest. For example, research by Fidelity has shown that, over time, the S&P 500 has performed comparably under both Democratic and Republican administrations—regardless of who held Congress. Since 1976, every market sector has had periods of growth during both Democratic and Republican terms. Across election cycles since 1976, each sector has performed well at times, regardless of which party holds the White House.  The markets, it seems, march to a rhythm of their own.

Cause and effect in the markets is rarely direct.

During election seasons, it’s tempting to act on predictions about how new socioeconomic policies might influence the markets. However, even the most astute commentators cannot reliably forecast market reactions to political shifts. Financial writer for Forbes John Jennings compares this to scientists who understand why volcanoes occur but cannot predict each eruption. In markets, just as in nature, the ability to explain an event is different from the ability to foresee it.

Elections come and go; your investments have a much longer time horizon.

We may vote for a president every four years, but your portfolio is designed to endure and grow over decades. Data spanning nearly a century, illustrated by Dimensional Fund Advisors, shows that U.S. equities have consistently trended upward, no matter which party was in power. Staying the course remains the most effective path forward for reaching your long-term goals.

So as the election buzz fills the air, know that your investments are positioned for resilience. Let’s keep our sights on the horizon, with our long-term objectives leading the way.

Steady onward.