From Sabbatical to Startup and the Endurance of What’s Next

After completing three ultramarathons in the first half of this year—including Cabin Fever 50K, Bel Monte Endurance Races 50K, and the Falling Waters Ultras 100K—I intentionally stepped into maintenance mode. I needed recovery time. Not just physically, but mentally and emotionally. What I didn’t expect was how aligned that physical pause would be with a broader transition already underway in my life: the end of a sabbatical.

For two decades, I worked nonstop in financial services. I led high-performing teams, supported elite advisors, and spent years building relationships and results. The work was meaningful—but relentless. Like many professionals, I pushed forward on autopilot far longer than I should have. Eventually, I recognized that if I wanted to grow—personally and professionally—I’d need to stop. So I did.

My sabbatical wasn’t about escape. It was about intentional rest. A reset to reevaluate the kind of work I wanted to return to—and the kind of life I wanted to build. I spent time on trails, time with my daughter, and time without the constant pressure to produce. And in that quiet space, something new began to take shape.

Today, I’m back—with clarity and conviction.

I’ve launched The Endurance Plan, a business built to help financial advisors integrate protection-based planning into their practices with purpose. It’s about rethinking the advisor’s role—not just as a strategist, but as a long-term guide. Helping clients make decisions that endure volatility, life transitions, and the reality of a retirement that can last decades.

At the same time, I’ve entered one of the most demanding physical challenges of my life: training for my first 100-mile ultramarathon.

This training block requires precision. Time management isn’t optional—it’s everything. Prioritizing recovery, sleep, and nutrition has become as strategic as any business plan. Some mornings start at 4:00 a.m., fueled by a pre-workout, perhaps a strength session, maybe miles—on the trail or the treadmill—all before sunrise. And let’s be honest: long treadmill miles require a different kind of mental strength entirely. At this point I still have a full day ahead as an entrepreneur and full-time mom.

Evenings stretch until my daughter is finally asleep. The pace is unrelenting, but it’s fueled by purpose.

Throughout this journey, I’ve found inspiration in the story and content of Nick Bare, founder of Bare Performance Nutrition. His approach to training, entrepreneurship, and living with discipline resonates deeply. He shares practical tools for building structure around movement and mindset—not as a distraction from business, but as a foundation for it. That philosophy has stayed with me.

But let me be clear: I don’t believe everyone needs to train for an endurance event to unlock their potential. For some of us, that’s the key—but it’s not the only one.

What I do believe is that intentional living is non-negotiable. Whether that means early morning walks, drinking more water, prioritizing sleep, or simply choosing whole foods over processed ones—small actions compound. When we feel better, we live better. And when we live better, we lead better.

Movement creates mental clarity. Passion builds resilience. Discipline unlocks freedom. And when we’re clear on what matters, we find a kind of harmony that balance can never deliver.

This is the ethos behind The Endurance Plan—and the life I’m building in real time.

This isn’t about doing more. It’s about doing what matters—with consistency, with integrity, and with the endurance to keep showing up.

Because the best plans—just like the longest races—aren’t won with speed.


They’re earned with intention, grit, and the willingness to go the distance.

Peggy Richardson

Peggy Richardson is a Senior Advisor Consultant at Highland Capital Brokerage and the founder of The Endurance Plan. With 20 years of experience in financial services, Peggy partners with advisors to align income, reduce risk, and deliver retirement strategies that go the distance. A former risk management leader turned endurance athlete, she believes that the same mindset that fuels a 100-mile race can transform a financial plan—and a life.

https://www.theenduranceplan.com
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Falling Waters 100K — Part Two of the Trifecta