Tag: Impact Investing

Conversations on impact investing and climate finance, and how capital can be directed toward businesses creating measurable social and environmental change.

  • The Impact Entrepreneur Breakthrough with Laurie Lane-Zucker

    The Impact Entrepreneur Breakthrough with Laurie Lane-Zucker

    Laurie Lane-Zucker, founder and CEO of Impact Entrepreneur, joins Kim Allchurch Flick.

    Laurie Lane-Zucker, who coined “impact entrepreneur” and whose upcoming book, The Impact Entrepreneur Breakthrough: A Field Manual for the Regenerative Economy (Sept. 1, 2026), argues for transforming an extractive economy into a regenerative one. Lane-Zucker traces his systems-thinking roots to environmental writers and his work on place-based education, linking cultural foundations, economic architecture (including B Corps), and systemic infrastructure as three nested layers needed for change.

    He frames today’s “polycrisis” as a single systems failure and introduces “real security” and the “prevention dividend,” citing returns from preventive investments like ecosystem restoration, hazard mitigation, and pandemic preparedness.

    The conversation also covers language shifts from sustainability to regeneration, mission protection through ownership models, the impact of the attention economy on community and place, and resources available at impactentrepreneur.com/breakthrough.

    Listen Now

    Time Stamps

    00:00 Welcome and Guest Intro

    01:48 Origins of Systems Thinking

    05:30 Indigenous Wisdom and Regeneration

    08:45 Polycrisis and Place Based Roots

    12:11 Three Layers of Change

    16:45 Real Security and Prevention Dividend

    25:03 From Sustainability to Regeneration

    27:50 Hope Through Certification and Ownership

    32:33 Mission Locked Ownership

    34:23 Berkshires Local Innovation

    36:24 Triad Local Global Thinking

    39:23 Attention Economy Threats

    40:51 Book Resources Pathways

    44:46 Starting The Impact Journey

    46:51 Monarch Butterfly Metaphor

    52:15 Grace Hope And Poetry

    54:22 Dinner With Adam Smith

    58:57 Closing Community Invitation

    Kim Allchurch Flick: Good morning everyone. This is Kim Allchurch Flick with the Mighty Measure Podcast, and I’m delighted to be here today with Laurie Lane-Zucker.

    Laurie Lane-Zucker is the founder and CEO of Impact Entrepreneur, PVCA global multimedia publishing platform serving more than 70,000 members across 200 plus countries in the impact economy.

    He coined the term Impact entrepreneur in 2011 and in the mid 1990s working with the educator, John Elder at Middlebury College gave the name, place-based education to a pedagogy he had spent years building as founding director of the Orion Society in 1992 through 2004. Where he worked closely with Wendell Berry, Terry Tempest Williams, Barry Lopez, and David James Duncan.

    He went on to found one of the earliest certified B Corporations and the Triad Institute. His new book, the Impact Entrepreneur Breakthrough, A Field Manual for the Regenerative Economy by Berrett-Koehler, September 1st, 2026 maps the architecture of an economy that builds value through regeneration rather than extraction.

    Learn more at impactentrepreneur.com/breakthrough. I am absolutely so excited for you to be here. Thank you, 

    Laurie Lane-Zucker: Kim. Thanks for having me. I’m delighted. 

    Kim Allchurch Flick: And I will admit that I am about three quarters of the way through the audio book. I own the hard copy of it, and that is because I went to one of your Impact Entrepreneur webinars where you discussed this book, and I believe it was an our webinar that went well over because everyone was so enthusiastic and also very, very curious about how to move this movement forward.

    So welcome. 

    Laurie Lane-Zucker: Thank you. Great to be here. 

    Kim Allchurch Flick: So what have been your inspirations and journeys to this point? You’ve got a, a marvelous history and a caring heart. What has moved you along the way? 

    Laurie Lane-Zucker: Oh, I’ve had so many inspirations. My book is filled with the voices and the examples of many of them.

    And I think my acknowledgements of the book is maybe longer than, almost longer than the book itself. A little bit of an overstatement, but I have a lot of people to thank for my path, my tra career trajectory the way I think about the world. And, the book maps a lot of the kind of the key moments and insights from that 35 plus year professional trajectory.

    It starts telling the story of one of my earliest, most formative experiences, which was a gathering in 1991. That I helped organize as a work study intern at Orion Magazine. It was the first gathering of leading environmental writers and nature writers. You name some of them, Wendell Berry. And although he was not in that particular gathering but Terry Tempus Williams and numerous other wonderful writers.

    And what I talk about in the book as far as how formative that experience was, it was so powerful to be in a circle of about, I dunno, between 30 and 40 of the kind of finest narrative weavers around the relationship between people in nature that were alive at that time. What struck me most.

    Was how they thought. They thought in systems. They, these are ecological thinkers and e ecology is systems. And that really and then having spent, then spending another, what, 13, 14 years, working closely with this community of writers, of scientists, of of policy experts who were and are focused on the relationship between people and nature and community that systems lens that is right at the core of so much of what they how they view the world, really impacted me so profoundly.

    And when I moved on, started one of the first B corporations. Then started Impact Entrepreneur and have been at that now for 15 years. Systems mindedness is a term I use to describe what the impact entrepreneur how the impact entrepreneur thinks is and what that, what I felt was really missing from a lot of the conversation ar around business building and impact finance.

    And that I felt was really essential for, to be right at the core of the conversation. So that’s some of, that’s some of my earliest and most lasting influence that I carry with me today. 

    Kim Allchurch Flick: I love that idea of systems and when you talk I’ve also read some Robin Wall Kimer and how even hundreds of years ago there, the people that were on the land that understood the systems and how to be reciprocal and not extractive and how you’re bringing that forward to the modern day. What are you seeing in the community you serve some of the responses and what are others doing and what do you think is happening out there these days?

    Laurie Lane-Zucker: You mentioned Robin Walker Kimer. I’ve invoked Robin’s work at a couple different junctures in the book. I, I invoke indigenous. Knowledge systems regularly throughout the book because really what we’re, when we talk about regeneration, the regenerative economy impact, as I’ve seen it, I’ve al I’ve always through impact, entrepreneur defined the word impact as transformation.

    We can go into that if you want later. But invoking the Hani seven seventh generation principles the work of Kimer and others reminds us that many of the principles behind regeneration are not new. They’re, in fact, that’s thousands of years old and they exist all over the world. Ubuntu is a African principle around regeneration.

    So we’re in a sense, we’re remembering a forgotten way of thinking and. And, matching it to modern instruments.

    Kim Allchurch Flick: That’s a beautiful way to put it. And because we are in a modern world, and yet these, these principles matter. They have worked. 

    Laurie Lane-Zucker: Yes, absolutely.

    The book is, in part a. Deep and profound celebration of a global movement of what I would call practitioners or impact entrepreneurs. A term I coined back in 2011 to, to give expression to a type of work and a type of thinking that I was seeing emerging around the world.

    And this is not simply entrepreneurs who are building enterprises, but people who are practitioners in transformation, so of the economy specifically. So entrepreneurs, investors, philanthropists, policy experts, academics. These are the people who are very much a part of our community at Impact Entrepreneur and are the ones who are bringing deep insight and an incredible amount of energy to what I feel is the greatest challenge of our day, which is to transform an extractive economic modality into a regenerative triple bottom line, impactful modality, however you want to discuss it.

    Much of the book in the examples I give in the tools that I share are examples and tools that this community of people have been building in recent years. In recent decades. It’s very inspiring to see I offer in the book. Kind of ways of thinking about this work, frameworks to better understand it and to also understand something I feel quite passionately about, that the poly crisis that we’re facing of social and environmental challenges, including the authoritarian of fronts or attacks on democracy.

    I consider that to be part of the poly crisis that includes climate change and wider ecological devastation. The brittle increasing brittleness of communities. This poly crisis is at its core a a systemic issue. It’s, and these are not separate problems. They are. Symptoms of a single systems failure, which is an economy that extracts rather than regenerate.

    So that transformation from an extractive to regenerative economy is, I believe the one of the most important things that humanity can be doing and that this movement is doing, and that there are amazing examples of this work all over the world. Talking specifically about work that I’ve done in the past, you mentioned in my introduction the work that I and colleagues were doing in the year, in the 1990s to develop something called place-based education.

    A form of e education, a pedagogy that uses the natural and cultural continuum of a place. For interdisciplinary learning to help get people to replace themselves in their homeland and become more deeper, more understanding participants in their places. Spent many years developing that. John Elder and I coined that term back in the nineties.

    Something really interesting happened. I moved on after my work at Orion and started one of the first B Corps and then in the early teens of this century the term place-based started emerging in impact finance. We started hearing about place-based investing. And that very much has r you know, roots in the, the work that we were doing in place-based education.

    But they are arose, out of the ground, at a distance from one, one another let’s just put it this way. Impact place-based education. Create cultivated soil that allowed place-based thinking to e eventually emerge into place-based investing, place-based funding and inform the community development, finance work that’s happening in many places around the world and through a lot of foundations.

    I take a lot of humble satisfaction in the fact in that, how that early work seems to have seeded things that have, can intersected with my later work in my career. 

    Kim Allchurch Flick: And it sounds like the work and the way you see it is very multifaceted, which is good. It means there are support systems growing and the finance part, the ecological part, entrepreneurs, innovators it’s encouraging.

    What are challenges and obstacles as you see them? 

    Laurie Lane-Zucker: I think one of the most important messages of my book, I’ve been a field builder, you could say, for much of my career, both at, at the work we were doing at Orion, we had a the Orion Grassroots Network and we’re doing a lot of network building, community building, and that’s followed me very much into the work I do in Impact Entrepreneur.

    I believe that as a field builder, as somebody who spent much of his career building movements in the environmental and social justice realm and then moving in the second half of my career into a into, very much into the entrepreneurship, finance economic realm and thinking about things from a movement perspective because.

    The transformation of the economy from an e a extractive and extractive to a regenerative state is take, will, takes a movement of people of practitioners, the types I’ve described earlier. What one of the most important messages of my book reinforces is the how important is to work across a number of different levels to have that transformation actually take and to have lasting effect. And that, and there are a number of frameworks I offer for that. One important one is to think about change in terms of three nested layers.

    One, cultural foundations, the cultural foundations of change. Two, the economic architecture of change, B Corp. Certification could be is one of those. And thirdly, systemic infrastructure of change markets and market transformation. And you need to have all three working at a very sophisticated level.

    If you’re missing any one of those, if you’re missing the cultural foundations, if you’re missing or forgetting the crucial importance of storytelling, then the you’re undermining the other two layers. So you need to have all three moving forward at the time. And I feel that that is a challenge.

    It’s a problem for our space because it’s so easy to think about impact as just impact investing and impact investing as kind of an incremental shift on traditional. Extractive capitalism rather than something much deeper and more systemic. 

    Kim Allchurch Flick: You frame that so beautifully, and I think it’s important.

    It also sounds like it’s important for you and us to reach policy makers as well, and legislators and bring that cultural storytelling into it. An example I’m lucky enough to live in the northwest. It’s not the only place that has some good things, that’s some bad things. But what’s happened recently, and it took years, is with tribal knowledge of the local tribes who were mostly the salmon fishery people, but also, they say that living on this land, not all tribes were salmon people. They weren’t all fishing people. They knew the land well. They knew how to trade well. They worked collaboratively. But there have been five dams taken down recently. One was in the news a lot, the Klamath system, which was four dams and one very close to where I live, called the Wild Boy Creek.

    And how it took about 20 years of planting and working together. But the indigenous knowledge was a big part of it. And the replanting of riparian species of plants so that the, the fish would have cold enough water and shaded water. And with all that coming into play, when the dams opened, they said the salmon, DNA and small salmon were showing up in four to six weeks.

    So for 60 years of degradation and ’cause dams are bad for a fish and they’re, therefore they’re bad for people. But it took that storytelling and that history and a lot of work and probably a lot of angst, but it actually happened and nature proves that healing and regeneration can happen really quickly if we just give it a chance.

    Laurie Lane-Zucker: A absolutely. And if we think about prevention rather than reaction one of the deepest rabbit holes I went into when I was researching my book ended up being the middle part of the book, part three, which is on which answers for me, the, a question that kept arising and that really is, has shadowed my work for 35 years.

    And that question is. What is real security? And as I looked into this from a kind of an impact economy with an impact economy lens, and I looked at research quite voluminous, research that exists across quite a few different sectors that we’re all looking at the value of in investing funding, preventative measures prevent rather than funding measures that would react to the inevitable disaster that’s going to come down the road.

    What I found was that pretty much across institutions, not simply governments, although government, municipal governments, national governments certainly hold here, but. It’s foundations, corporations, almost every institution, if you look at their budgets and their investments in what would be considered security related are reactive in nature, not preventive.

    And yet this, all this research that I was looking at, pointed to something that I call one of the greatest misallocations of funding on, on, on the planet, which is, a lack of funding of root causes and the dividend, the return on that investment if you invest in prevention. Some examples,

    first of all, just get your mind around this global military spending alone is $2.8 trillion globally. Okay? Most of that is reactive spending. Okay. That’s a, a very graphic number to hold in mind. Now, think about pandemics. Think about the things that really in the last five years have harmed you, Kim, or threatened you.

    It’s, in most cases, especially in, in the United States, it’s not the threat of a military invasion. Okay? It is a fi a wildfire. It’s a pandemic, okay? It’s a public health issue of some sort. It’s flooding. It’s, and these are the threats to real security. These are the pillars of real security.

    I, one of the frameworks I offer in the book are the five pillars of real security. And those five pillars are, ecological stability, public health capacity, economic equity, democratic infrastructure, and community cohesion. And again, all of these together are the sources of real security, I would argue.

    And that if you underfund or any, any one of these pillars is weak and potentially can crumble , it weakens the whole five pillars, all the other pillars together. Now, one of the, I wanted to make a financial argument around this, and I mentioned this term earlier, the prevention dividend. If one looks at ecosystem restoration, research shows that for every dollar invested in ecosystem restoration, again, preventative measures, you get a seven to $30 return on each dollar invested. FEMA hazard mitigation. Okay? Four to $7 of return for every dollar. So that’s $7 for every dollar for flood mitigation. Reinforcing building codes is you get $4 of return for every dollar invested.

    Pandemic preparedness, we have these numbers. We just went through a pandemic, right? It, the Jamil Institute has outlined that for every dollar spent on pandemic preparedness, you get a $1,102 return by hitting, by, by addressing these things before they happen. Okay, so this is a, this discussion around real security, I feel is a new way of looking at the work we do in the impact space and can potentially really shift the narratives that entrepreneurs impact entrepreneurs, social entrepreneurs who are developing solutions, often preventative solutions to social and environmental problems.

    It offers a new lens and a new layer of narrative that makes a very clear financial argument to people who are allocating funding that preventive matters, impactful solutions and enterprises are actually have, have a tremendous dividend that comes from them. If you shift your thinking around that question of what is real security?

    Kim Allchurch Flick: Wow. And of those five in the new standards of B Corp and others like benefit corporations for good, which is a verification, there is a way to measure impact in each of those. And it, the words might be different, climate, action environment you say ecology, but equity infrastructure could also be governance, health could be community and employees.

    There’s so many ways that I can see where this could intersect and interact. 

    Laurie Lane-Zucker: I gave a talk to the Super Crowd conference that Devon Thorpe put on a couple weeks ago. And it was about the prevention dividend. And I, when I was preparing that talk, I was looking through the other speakers and the topics of the conference, an impact conference of different solutions.

    And I look at it and I say, I could put every single one of those solutions into one of these five pillars of real security. And what I ended up realizing was what you’re, what that is, what that conference is, is a prevention portfolio for investors. And I just I’m just very excited about this, the reframing of the impact work because.

    If we can shift what I call the prevention ratio. So most institutions, when they do an audit of where their security related spending goes, they realize that between, usually between 10 and 20% of their spending goes to prevention. And about 80 to 90% goes to reaction if once you realize, or you do your audit and you find what your ratio is, let’s just say it’s 0.12, okay?

    Then you can start to measure what if we shifted that to 0.2 or 0.25? And then you can measure, because we have all this data on, ecosystem restoration, returning seven to $30 per dollar early childhood education, 17 to 13% annual rate of return you can match the increase in ratio.

    And actually. Numbers to, to what the dividend will be by shifting some of the security related, spending away from reaction to prevention. I think this, this is a game changer for the impact investing space and the impact entrepreneur space more broadly. More broadly. 

    Kim Allchurch Flick: Indeed. And so then helping you and helping us as B Corps companies and others who are interested in or have specific areas in the space is how to get this message across.

    And I have a question about words. ’cause we talked in the beginning about how framing words and ideas matter and that words like sustainability 

    Have become so broad that maybe the potential meaning might be lost. And we also talked about how sometimes we think we’re doing something good, but haven’t thought past that first initial step and.

    One might be recycling. Yeah. And but recent data, even not so recent data says that recycling is not a panacea. That perhaps thinking in ways of how not to recycle at all by going back and saying, how can I not use anything that needs to be recycled? What are some of the switches? How could that be better?

    What do you think about in these circles that you’re in, in these conferences? How the words matter and how do people perceive what we’re getting to, which is how do we get to that prevention? Not just stopping something and thinking we were doing well, but really asking ourselves the question, how could we do better?

    How could we be literally more preventive? 

    Laurie Lane-Zucker: You mentioned the word sustainable sustainability, which is a, yeah. A term that’s been at the core of our space for so long. Sustainability really is about accepting the di decay state of the natural world and the existing state of our social situation and trying not to make it worse.

    Okay. Regeneration is very different. It’s about saying no. We, the, the existing state is not at all satisfactory. In fact, on so many levels. It’s not looking very good at all for human prospects. And so we need to heal. Regeneration is about healing. It’s about using business, using levers of finance, using policy.

    Using education to heal, to make things better. That’s what this work is about. And so while I believe the word sustainable has been a useful term and has helped create a shift in thinking it’s still not anywhere near where we need to be given the reality of the world. And so that’s why the subtitle of my book is A Field Manual for The Regenerative Economy, not a Sustainable Economy.

    Kim Allchurch Flick: And One Reason I’d love the book so much what makes you optimistic? 

    Laurie Lane-Zucker: All the work I see. I’m a journalist at heart and an editor and I, with Impact Entrepreneur Magazine, with the other work I’ve done in journalism in the past, I’ve had the. Great benefit of being able to see work that’s happening and emerging all over the world.

    And our magazine tells those stories every, every week. And our community is filled with people who are innovating and supporting the development of those solutions. Again, all over the world. That is hopeful work. That’s hope. I don’t know of much more hope than that. Your work, I know as you’ve said, is very much in, in B Corp certifications.

    The sophisticate increasing sophistication of certification systems B Corp, first and foremost among them is a tremendous source of hope. But we can’t stop there either. This is a point I make. Throughout the book, especially in part two where I talk about enterprises that heal and where I talk about capitalist custodian and markets that reflect what matters that certifications are raise the floor, right?

    That we need to have every, every business needs to have this kind of rigorous assessment of practices and baseline for them to shoot for more. But another thing that we have to keep in mind, and I have a whole chapter on this subject, is that much of the success, the near term success of a business resides with the current owners and managers of a business.

    But that can always change and that will change when a business is exited. When the owners sell or retire, we see this. So in so many ways, Ben and Jerry’s, lots of different things. And then reactions to that to the problems such as what Ben and Jerry’s has been going through for decades now that have been emerged with things like what Patagonia has done with creating a purpose trust in a nonprofit organization to secure mission.

    My point here, and again, I have a whole chapter on this chapter, is on ownership. Ownership and the questions of ownership. Who owns the business? And how do you secure mission as ownership shifts? When original founders and managers shift, Paul Pullman was a wonderful CEO impact wise for Unilever, but then he left and things changed, right?

    So certification is essential. It’s a floor, but ownership and questions of ownership and all the legal innovation that’s happening around ownership that is really exciting to see is everything above that floor. 

    Kim Allchurch Flick: And as you’re speaking, it also strikes me that we have maybe a responsibility, but at least should have a curiosity as consumers and stakeholders to question that sometimes and say.

    We love Ben and Jerry’s during this ownership. Now, this new ownership, it seems that things are changing. That’s not to our liking. What could we do about it? We could also vote with our wallets, which is an another way of doing things. And I’m in a position now where my bank which is a small regional bank and is a benefit corporation, and it’s intimate enough that I’ve met employees who work there and it’s been great.

    Was just merged or bought out by a much larger bank. And one of my first questions is, will the benefit corporation status remain? And they don’t know yet. So part of that I’m thinking is, I don’t wanna give up on ’em yet, but also ask the questions along the way and say, what are your values?

    As you’re bringing this up it seems as, as we move forward and we’re optimistic and people are doing amazing things, there’s some winds of change along the way and. And we should probably question that or be aware or at least think along those lines and say, okay how do we encourage people to keep going down that path of regenerative economy or say, can’t support you anymore.

    There’s somebody else that I will go to. 

    Laurie Lane-Zucker: Yeah. Yeah. Absolutely. Consumer pressure is always gonna be an important dynamic and change. I think that the, my chapter on ownership explores various different models of ownership where that are aimed at protecting mission over time and through the new eventual or possibility of mission dilution through exits and, new funders coming in and new board members coming in. Things like, cooperative ownership, employee ownership, as we mentioned with Patagonia, the purpose trust model. There are really interesting examples, not simply in the United States, but around in different parts of the world.

    Monon in Spain is a great example of a cooperative that’s been running for decades, very successfully. Nova Vita in Latin America. Another example there, there are a lot of examples of ways to lock in mission and so that it takes the, a question of future dilution out. It, you don’t have that.

    I think that this is really crucial. You can’t, certification is essential. Questions of ownership are foundational. And the earlier a business takes those up, ideally at formation the better, 

    Kim Allchurch Flick: it sounds like the business equivalent of having a conservation easement on a piece of land to protect it.

    Yeah. 

    Laurie Lane-Zucker: Community land trust. Another example of that I give in the ownership section, where the community owns the land and individuals own the buildings on the land. Yeah. Again there’s, and community Land trusts have been around for quite a long time. We have one of the, the first community land trust here in the Berkshires where I’m at.

    And yeah, the first community supported agriculture farm is based down the road from me here. Lot, lot, a lot of amazing work has happened in our very rural, beautiful area of the Berkshires. And I write about that in the book as well. One of my favorite narratives in the book is telling about this place a conference impact economy conference that we hosted here with Rockefeller Philanthropy Advisors back in 2018. But it gave me a chance to talk about the amazing history from the legacy that w Webe Du Bois who grew up down the road here and went to the public schools and called the Berkshires, his ground of consciousness and as well as some of the other innovation Berkshires, the local currency that the Schumacher Center for New Economics developed also just down the road a lot of really forward thinking innovations have emerged from this little part of the world that I inhabit.

    Kim Allchurch Flick: And you’re also doing something which I think about a lot local is emphasized in the 

    The impacts sphere and B Corps encourages us to support local stakeholders, and yet the world is global trade is global and you cover both local and global in such a beautiful way. And I love how you’re speaking about your local economy and where you live.

    I’m really encouraged by some of the things happening here where I live, which is we’re in the same latitude, but different sides of the us. But could you speak a little bit to that acknowledgement or understanding of your global viewpoint and gets protecting and helping people regenerate there, but also protecting and encouraging support of local.

    Yeah. How does that work in, in. Your thought process with impact entrepreneurs? Yeah. 

    Laurie Lane-Zucker: In the introduction you gave or my bio, you mentioned that I founded some years ago, something called the Triad Institute which was a think tank. And the, the triad refers to a triad, what I call tatic thinking, which is a way of thinking that is simultaneously deeply local or place-based, national and global.

    So three levels, and with all each informing the other, that to me is the most productive form of citizen engagement that we can have. Where you’re, you are. Sophisticated in all, all three levels. But it comes again with that, just as I was talking about the three nested layers of change for to the regenerative economy and the cultural foundations, the economic architecture and the systemic infrastructure.

    Just as cultural foundations are foundational, so is place, so is home, so is locality. And so much of the globalized economy that we do exist in has had a negative impact on not only local economies but our understanding of our, literally our place in the world. Our place in the world.

    And so place-based education is a pedagogy as I was, we’ve discussed. That’s in part aimed at revivifying, that connection, that relationship, that understanding that the continuum of nature and culture that defines each place is essential to our own self, our own identity our own wellbeing.

    You have to have that foundation and it really needs to be a deep one. Otherwise you’re just displaced from the world. Yes. From reality. 

    Kim Allchurch Flick: Oh. And like I said. It really needs to be a deep one, and that means getting to know local shopkeepers and thinking about school boards are one of the most local things that we could think about. And I admit to not considering things like that, but yet it’s become really important, all these intersectionalities of community and what it means.

    And I really appreciate how you bring that out in the book. And, but a lot of it just has to be about support. And I do find it interesting that there are some neighborhoods, even apartment buildings, where people might live next to each other and not know each other’s names. And yet in other places, community is neighborhood and isn’t it wonderful when people know each other’s neighbors and the kids grow up in that kind of environment?

    And that’s, that’s what a lot of historically. People knew each other very well. They were working together. And with other groups as well. And I just love the way you frame that. Sounds 

    Laurie Lane-Zucker: like you 

    Kim Allchurch Flick: Yeah. 

    Laurie Lane-Zucker: It reminds me of another part of the book that I explore in the cultural foundations aspect of the book, which is part four which is focusing in on the attention economy and how algorithmic takeover, the indefinfinite scrolling that so much of our social media, of our just online existence is aimed at at preserving, just keep you online, keep you looking at things that 10 minutes later you’re gonna forget you even looked at.

    But still it’s gonna, it’s gonna put money in the pockets of. Yeah, tech companies, so much of this draws so much of this so much of our attention is drawn away from place, from relationships, from communities. And that in, when you’re thinking of the movement from a re extractive to regenerative economy, caretaking our own attention, our attention spans is an essential piece of this.

    And I go deeply into that in the book and or try to articulate why we have to be very conscious of the the threats to our attention, 

    Kim Allchurch Flick: caretaking our own attention. 

    Laurie Lane-Zucker: Yeah. 

    Kim Allchurch Flick: That’s one to sit with. 

    Laurie Lane-Zucker: Yeah. 

    Kim Allchurch Flick: That’s super important. What would you more, would you like to share and how can we, the audience help you?

    Laurie Lane-Zucker: I’ll share my book. It’s out in the world. It’s really 35 plus years of my experiences, my insights and my connections with people who are doing wonderful work. That, can be, I think you’re gonna you’ll share that in the information, but impact entrepreneur.com/breakthrough is where you can find all the information.

    It’s not simply the book though. I I finished writing the book over a year ago. That’s how long the publishing process takes with a publisher to, and that’s ex they expedited it. But I gave BA basically that gave me a year to develop a whole slew of resources around the book to support the book.

    So at impact Entrepreneur. Dot com slash breakthrough. There are, there’s a reader’s companion there for those teaching the courses. There’s a lot of different resources there. There’s the instructor’s guide. There are framework canvases that people can print out and use as they go through each chapter of the book to examine where they are in the work, in, in the transition, and and that, and those are directly linked to the toolkits that are exist at the, in the book, at the end of each chapter.

    The, so there’s just a lot of supplementary resources that exist to support the book. There’s so many tools in the book, so many examples that I felt the need to create a, a pathways section of the book, which is upfront, which. Tells depending on where, what kind of work you’re doing, whether you’re an entrepreneur, you’re an investor, you’re working in policy, you’re an educator, you’re a student.

    There are articulated pathways or suggested pathways through the book. Entrepreneurs definitely, you can start with page one, but if you wanna skip to certain parts of it for entrepreneurs, focus on the enterprises that heal, focus on the capitals in the market section.

    For those who are cultural workers, parts four and five of the book are very much supportive of that work. If you are a funder, of course, the capital, the work the chapter and work on capitals and markets is really important. So this book is not made. Simply for entrepreneurs, enterprise builders, it’s made for practitioners in the impact economy, and I’ve done as much as I can to make it as usable a resource as possible.

    Kim Allchurch Flick: And in my work, I see this book as a tremendous resource that I can offer to others and helps improve. Because another thing I see is entrepreneurs are busy and sometimes it’s head down, and this sounds wonderful. And they’d love to be able to focus on ideas, and yet they’re working long hours running the business.

    And like part of the work that I love is helping people see that you can do the good values work as well, make the impacts and make it, it doesn’t have to feel like a second job. That there’s ways to in incorporate and create systems that help and innovators like you, this book is innovative and some practicality of it can help that future journey be a little bit easier.

    And that recognizing that running a company is hard work and being impact driven is work. It’s also joy and yeah, that we can make that trajectory more meaningful and that these, these helpful ways of doing it can actually be supportive. So I, that’s why I love sharing ideas like this that sometimes then it’s an aha moment where somebody says, oh, I could, if I incorporate this, it might actually make the rest of the work easier.

    The systems matter too. 

    Laurie Lane-Zucker: Yeah. You talk about, you mentioned journey and it is a journey life’s journey of course but entrepreneurship is a journey and any activity within the impact space is such an important journey to be taken for those who are not yet on on a journey in the space.

    It can sometimes be intimidating. Where do I start? This is not a simple challenge. We’re taking ourselves to, moving from a quote unquote single bottom line to a triple bottom line operating system, find impact investing speak here is adding two more bottom lines. It’s adding complexity to it, to, to the process.

    And everything we’ve been talking about in this conversation is really suggests added. Complexity. The world is complex. We’re no longer going to be shunting off things like environmental degradation as an quote unquote externality. We’re going to internalize these things and we’re going to accept that is the proper moral role of enterprise.

    Now, that can be very intimidating for people who don’t know where to start and what, but, and the way I answer that is a couple different ways. One is by one of the companies I talk about regularly in the book is Patagonia, which made, a lot of headway news a few years ago when it could preserved its mission for eternity by transferring ownership to a purpose trust in a nonprofit organization.

    But it didn’t just happen. Overnight. I chart in the book 30 years of in incremental changes to make their mission more and more embedded over time. Becoming a B Corp, 10, 15 years ago was an important step in that and a step toward this. So iteration over time is very much a part of this work.

    Don’t expect you can do everything. No one’s perfect. We’re all going and everything has flaws and we’ll always have flaws, but we can improve, we can embed mission more deeply, more structurally as we go along. The other way I answer this question is through the last section last piece narrative in the book.

    It’s the code of the book. It’s called Breakthrough picking up the name from the title of the book, the Impact Entrepreneur Breakthrough. And it tells the story of going with a group of environmental writers. This is back 25 years ago or so to Michoacan Mexico to honor one of the great Mexican poets and conservationists, Omero URIs.

    And he took us to the Monarch Butterfly wintering grounds. I don’t know if you’re familiar with these, this utterly extraordinary natural phenomenon where most of the north American monarch butterflies travel to this few ac few acres in Michoacan, Mexico to winter. And you walk into this grove with not thousands of butterflies, not millions of butterflies, but, and not even tens of millions, but hundreds of millions of butterflies, all in a few acres hanging on trees so that they sway they bend almost to breaking and.

    I talk about the monarch butterfly, not simply about how collective these, these light, almost feathery creatures can create enough weight collectively to bend branches of trees, almost to breaking, but about their journey itself. That the journey that they take when the light shifts and the temperature changes and they feel it’s time to move.

    They start going north and they migrate all the way up to Canada and then they come back. But here’s the thing, they don’t all, no, no one butterfly makes that whole journey. It takes three to four generations of monarchs to create that journey. Somehow they know they’re coded to take that journey and to follow that journey.

    And when one dies and the new one is born, somewhere along that journey, somewhere along that. Distance. They know where to go, so it’s encoded into them. For me, this is a very powerful statement and works on many actual metaphorical levels for the path and the journey of the entrepreneur who doesn’t know where to start.

    It doesn’t matter. Find your starting point. Know there’s a community behind you with you and follow it and know that at some point you’re gonna pass it on to someone else or somebody else will pick it up. And that’s how I end the book.

    Kim Allchurch Flick: That’s beautiful and thank you I think it encourages all of us to think, yes, it’s okay to start anytime and it’s okay to keep going. It’s okay to stumble. It’s okay to ask for help. It’s okay to be in community. 

    Laurie Lane-Zucker: Yeah. 

    Kim Allchurch Flick: And it’s okay to keep going, which is. A really important part. 

    Laurie Lane-Zucker: Yeah. And to understand this is a multi-generational shift that we are a part of, and that none of us will see the end of it.

    It goes, flat in the face of the traditional extractive capitalist, entrepreneur hero story. This is heroic. But the timeline, the perspective on what the task is at hand is very different than, start a business, sell it for a, a trillion dollars, and and you’re successful.

    Kim Allchurch Flick: Indeed. You’ve added beautiful words to this podcast series. The Mighty Measure and the innovators that have been on before, everything you’ve said encapsulates part of their journey and a thing that they are doing that. Helps create this whole system. And one of the ones I immediately started thinking of, particularly since the Monarch butterflies actually die and regenerate, is there is a shift in our system of funerals, burials, things of that nature, which is a very big industry, makes a lot of money, and has been relatively toxic for, at least for western culture.

    And yet there’s an innovator named Katrina Spade who created recompose, which is human soil transformation, human composting. And there’s another company called Earth Funeral. And it’s the, it’s non-toxic. And what it gives back is like three cubic feet of soil that is being donated to land trusts and put in people’s gardens and literally.

    Trees are being planted. And 

    Laurie Lane-Zucker: yeah. 

    Kim Allchurch Flick: And it’s almost like that, that forward journey of the Monarch, and hopefully these kind of ideas can inspire us in our business too. How we have to think beyond our own future and what a handoff looks like and shifting an entire industry. And it takes a lot, it takes a lot of effort to do that, but people are catching on.

    Laurie Lane-Zucker: Yeah. 

    Kim Allchurch Flick: And that’s just one, one example of one industry and what you’re talking about is multiplicity of industry’s ideas, how to finance it, how to support it. 

    Laurie Lane-Zucker: Yeah. We published an article on one or two of these new funeral companies compostable funeral companies in the magazine, a few, a couple years ago now.

    It makes me, I’ve had this poem on my mind that’s been very meaningful to me and many others in the last week or so because the person who wrote it just passed away. Wendell Berry. It’s called The Piece of Wild Things. I don’t know if you know it, but it, what we were talking about, what we were just talking about, brings a new lens for me on that.

    The poem is a beautiful one. It is again called The Piece of Wild Things. And it goes I want to tell, no, that’s not it. When de it goes, when despair for the world grows in me and I wake in the night at the least sound. In fear of what my life and my children’s lives may be, I go and lie down where the wood Drake rests in his beauty on the water and the great heron feeds.

    I come into the peace of wild things who do not tax their lives with forethought of grief. I come into the presence of still water and feel above me. The day blind stars waiting with their light for a time. I rest in the grace of the world and I’m free. 

    Kim Allchurch Flick: Oh, thank you. 

    Laurie Lane-Zucker: And when you know that lying down where the wood Drake rests and the thought of, we were just talking about where we want our final resting place to be and how we want to get there.

    Of course he’s talking about a living person, but it connects right? It’s it’s beautiful and I believe ultimately that this work that people who are building. Enterprises, funding enterprises and teaching how to do this is our ultimately it’s a work of grace, a work of great hope, 

    Kim Allchurch Flick: a work of grace, and great hope.

    I love that so much. I’m writing it down. Great. I concur because sometimes you, we can feel down and things are, can be stressful and yet the optimism and the people like you that are constantly forging ahead and encouraging others, that makes me so optimistic. Thank you. For the final question, this is the one that has nothing to do with any of the others unless you want it to, is if you could have dinner with up to three other people living or deceased, who would they be and why?

    Laurie Lane-Zucker: I guess there’d be two. I’m going to break the rules of your question a little bit here. The first is, I mentioned earlier in the conversation that one of the most formative experiences was a, a gathering in Cape Cod in 1991 that I helped organize as a 26-year-old work study intern of an a gathering of environmental writers who had such great influence over my thinking for the rest of my life.

    I would love to have, go back and do that again now. Now some of them have passed, some of them are still around, but, decades on to have that gathering again, to have dinner with them and to share my, what I’ve learned and how I’ve taken their inspiration into the work that I do and the and to.

    Share thinking of the book and to hear what they’re thinking about. So that would be one. And the other one would be to have dinner with Adam Smith. The father of capitalism who lived in the late mid to late 18th century 17 hundreds, wrote The Wealth of Nations. Which many consider the founding document for capitalism who has been considered by most people through the centuries.

    And today as this, paragon of self-interest and the invisible hand of the markets and, one of the, my favorite narratives of my book is the earliest story I tell of being a college student studying at Edinburgh University in Scotland, and taking the train to Aldi, Scotland, which is where Adam Smith wrote The Wealth of Nations living in his mother with his mother.

    And I tell the story of that trip and how something I brought to that trip, a general understanding or conventional understanding of Adam Smith and his role in self-interest and in starting extract, what it became, extractive capitalism. But the what I talk about is how different.

    What I was experiencing in Scotland at that time in ality, which had a really strong communitarian streak to it that was very different than what I was hear. What I understood Adam Smith was writing about, and it was years later that I came, I was pointed to an earlier book that he wrote called The Theory of Moral Sentiments.

    He wrote this 17 years before The Wealth of Nations, and it is about sympathy and puts the whole discussion of markets and marketplace within a moral framework. And that is one of the, the main emphases of the book is that you cannot have suce successful markets if they don’t live within a framework of human sympathy for others.

    This was completely lost. I argue that it was hijacked. In favor of those who wanted profit to be the main message of his work. And that is a real important what finding for me in the book was that, so much of what we think about is capitalism and its origins is wrong, is misplaced.

    So dinner with him, I’d like to talk to him about that. 

    Kim Allchurch Flick: Oh, I’d love to be a fly on the wall. I would love to be the server in the room. That is fascinating. And I think it brings us back to words matter. It’s important to not always accept the first framing of an idea that Adams Smith had something behind that.

    And that money’s important, but. With empathy and with sympathy, we could do some wonderful things. 

    I love that. Oh, that must have been amazing. Is there anything else you’d like to say before we, we close up? 

    Laurie Lane-Zucker: I would love to if and when any of the audience has a chance to spend time with my book and they have thoughts, feedback, ideas that it might have inspired in them, I would love to hear about them.

    And so just reach out through Impact Entrepreneur, become a member of Impact Entrepreneur. We have a, a wonderful community all over the world. We have a lot of resources including like 150 webinar program archive with many, many of the leading lights and impact investing and B Corps and so forth.

    Just connect with Impact Entrepreneur and me and let’s start a conversation. 

    Kim Allchurch Flick: Absolutely. Well, thank you so much. I enjoy being a member. This is Kim Allchurch Flick of the Mighty Measure Podcast. Thank you so much. Take care. Have a wonderful day. 

    This Episode’s Guest: Laurie Lane-Zucker

    Headshot of Laurie Lane-Zucker.

    Laurie Lane-Zucker is the founder and CEO of Impact Entrepreneur, PBC, a global multimedia publishing platform serving more than 70,000 members across 200+ countries in the impact economy.

    He coined the term “impact entrepreneur” in 2011 and, in the mid-1990s, working with the educator John Elder at Middlebury College, gave the name “place-based education” to a pedagogy he had spent years building as founding director of The Orion Society (1992–2004), where he worked closely with Wendell Berry, Terry Tempest Williams, Barry Lopez, and David James Duncan.

    He went on to found one of the earliest Certified B Corporations and the Triad Institute.

    His new book, The Impact Entrepreneur Breakthrough: A Field Manual for the Regenerative Economy (Berrett-Koehler, September 1, 2026), maps the architecture of an economy that builds value through regeneration rather than extraction.

  • Why Climate Capital Isn’t Flowing – and How to Fix It with Sean Penrith of Gordian Knot Strategies

    Why Climate Capital Isn’t Flowing – and How to Fix It with Sean Penrith of Gordian Knot Strategies

    Sean Penrith, CEO of Gordian Knot Strategies, a climate finance consultancy aiming to mobilize $1B per year by 2030 (and having mobilized $1.67B to date) joins Kim Allchurch Flick. 

    Penrith shares his path from entrepreneurship in Argentina to founding a sustainable glass company, then moving into climate policy, carbon markets, and impact investing in Portland before launching GKS to “translate” between capital providers and climate projects. 

    He argues climate capital isn’t flowing due to a nature-negative economy, lack of standardization, unclear risk/return profiles, and failure to price ecosystem services viewed as public goods. 

    GKS focuses on nature-based solutions while also evaluating energy and tech options. 

    He urges consumers to choose responsible banks, support climate-forward policymakers, and pressure companies, and defends carbon markets as a conduit moving capital to Global South “carbon sink baskets,” despite corporate fear of reputational risk.

    Listen Now

    Time Stamps

    00:00 Welcome and Guest Intro

    01:36 Sean’s Entrepreneurial Journey

    04:52 GKS Mission and Funding Gap

    06:03 Why Climate Capital Stalls

    08:11 Nature-Based Solutions Focus

    10:28 What Consumers Can Do

    19:31 B Corps and Better Standards

    23:34 Carbon Markets and Reputation Risk

    28:56 Nature’s Fast Comebacks

    32:44 Trillions Needed and Leadership

    35:09 How to Reach Sean

    35:28 Dinner Guests and Wrap-Up

    Kim Allchurch Flick: Hello everyone. Welcome to the podcast. I’m here with Sean Penrith, the CEO of Gordian Knot Strategies, GKS, a climate finance consultancy, serving multinational corporations and endowments, agencies, project developers, consortiums, and impact investors across the us. South America, Africa, and Europe.

    GKS goal is to ignite climate solutions by mobilizing a billion dollars in impact investment per year by 2030. Sean was a senior technical advisor to the Integrity Council for the voluntary car carbon Market. This I-C-V-C-M and an observer to the green bond principles. Sean presents frequently on topics that include conservation, finance, business scaling.

    Climate, smart agriculture, carbon mechanisms, policy and markets, the future of sustainability and climate change. Our topic today is why climate capital isn’t flowing and how to fix it. What an incredible topic. Thank you so much for being here. 

    Sean Penrith: Thanks for having me. 

    Kim Allchurch Flick: And I understand you are in Europe.

    We’re recording across several time zones and it’s just a delight to have you, and I admit this is a topic I don’t fully grasp well in terms of climate and finance but having concerns about the climate and being able to talk with somebody who’s trying to fix those concerns, to me is a great pleasure and a privilege.

    So what has been your journey and the inspirations that have shaped. Where you are today? 

    Sean Penrith: Yeah. Let’s see if I can condense that for you. Kim. So when I was young, I was always very entrepreneurial and I started a business after I sail the yacht across the Atlantic in Argentina. And the business was very lucrative.

    But it was one where. I began to question like what the purpose was for making the money and. It wasn’t that we had an illegal business or anything, it was in Argentina where, things are a little bit loose and when the phone would ring, I ring, I would jump wondering, oh my gosh, is there some issue at customs or what’s going on?

    And. I decided I needed to do something about it, so I went home to register. I’m from Cape Town, South Africa, so I went home to register for an MBA and while I was there, I started a sustainable glass company with my co-founder. And the reason that I wanted to do it was because I had this sense that if I did something with real meaning and with real purpose, it would satisfy me and make me more comfortable with what I was devoting myself to. So it was really an inner sort of calling or message, if you will. And so I was the CEO for that company for 14 years. We set up factories in different parts of the world, and then we sold that and I moved to Portland, Oregon, which.

    As you well know is the Center for Sustainability and everything that is happening on the energy efficiency and the green movement. And I got heavily embedded in the world of climate change, climate policy, carbon markets, impact finance. I actually started with our team a, an impact investment fund, which in 2015, which was really the early forerunner for.

    What you see now, there’s a deluge of impact funds around the world. But in those days was a newish thing. And I left in 2018 to start strategies basically because I had I’m married to an American. Beautiful American, and she was due with our second boy and I just wanted to be more, more present have more availability.

    And so I thought I’ll start this consulting company because I recognize there was a need for a translator between those that have capital and those that need capital. And it, I have to say it wasn’t. It wasn’t like I did a huge go-to-market strategy and then decided there was a need in the world.

    I just moved into it because I had existing networks and relationships that all needed help. And we started with one or two clients at first and that grew. And the more I got involved in this, the more what’s the word? Rewarding it has been, even though it’s hard work. I’ll, and we can get into that in a minute, but to do something, to devote your life to doing something where you know that it’s greater than you is a very humbling thing.

    But it’s also rewarding in the sense that you feel like you’re fighting for the right team. 

    Kim Allchurch Flick: I, it’s so incredible and it’s been time and ever evolving as well. What. With Gordian Knot what are the goals and what are some of the challenges? 

    Sean Penrith: Our goal is to mobilize a billion dollars a year by 2030 in climate finance.

    We’ve currently mobilized $1.67 billion. So we are a little short of our target. What are the challenges? At a very, at a macro level. You’ve got a nature negative economy that is essentially moving $5 trillion a year into the extractive world, and then you’ve got around $35 billion in nature positive trying to change the paradigm.

    So that’s a 140 to one disparity in the way money moves. So that’s the major obs obstacle is that we’ve got we’ve been challenged with a financial engineering arena of the way capital flows, which underwrites, extractive and doesn’t recognize the value of climate solutions. What does that mean?

    It means that. The clarity that you need in terms of being, investing into a climate solution, whether that’s protecting a forest in Borneo, or promoting regenerative agriculture in Ghana or whatever it is it is not very clear to the mainstream investor how to assess that opportunity, what the risk profile is, or how to be managed.

    I think at the end of the day, through no fault of mainstream capital allocators it’s a fragmented arena to move into because there’s no standardization. If I said to you, Kim, you should really invest in tree planting, your first question would be how do I do that? Exactly.

    If I said to you, if I said to you, you should invest in property, you gotta. Pretty good idea where you can go and find those resources. And I think that’s really what the major obstacle is that it’s not part of our vernacular, it’s not part of our financial systems. And the main thing is that what we’re attempting to do through climate finance is really protect the things that deliver planetary stability.

    But while we do that, those things, whether it’s a clean ocean or a functioning forest, are essentially viewed as a public good. We as citizens of the globe, believe that we have a right to a green space. We have a right to fresh water. We have a right to breathe clean air. And because we haven’t put a price on that priceless ecosystem, we have a disconnect.

    So that is the major challenge is how can we, knowing all of that, how can we turn climate solutions into viable investment opportunities where mainstream capital starts realizing there is potential and start changing the way they allocate capital. So that was a long answer to what’s the obstacle, but that’s the challenge.

    Kim Allchurch Flick: And are there sectors that you work with more than others? How where do you find some of the places where you can see the needle move? 

    Sean Penrith: Yeah, that’s a good question. So we predominantly have and tend to focus on what we call nature-based solutions. So anything involving natural ecosystems, whether that’s watersheds.

    Forests or regenerative agriculture or mangroves or algi. Anything to do with nature is what we tend to focus on. And to be honest, it’s quite difficult because it’s difficult to create a value proposition. I shouldn’t say it’s difficult. What is difficult is to address the perceived risk. That people who are interested in investing in climate solutions, in the nature-based arena to make them feel comfortable enough that this is not a gamble.

    And the thing that I hear so often, Kim, is can we really invest in a forest? Because is it really stable? Is the forest gonna be there or is it gonna burn down? And the thing I always remind people is. Our natural biomes have sustained this planet for eons that actually do their job extremely well, better than any mortgage industry, better than any banking industry, better than a host of other industries, and yet we are questioning the efficacy.

    Of our natural ecosystem, it’s almost laughable. But, so to answer your question, we focus on natural climate solutions, although we also spend time looking at energy efficiency, renewable energy, and what we call technological solutions like direct air capture and storage or more technological solutions, which people tend to gravitate to because they feel like it’s safer.

    But the work. Look, if we don’t, if we don’t protect our natural ecosystems, this planet’s done for, it doesn’t matter how efficient we become at ai there won’t be much left. 

    Kim Allchurch Flick: Oh, concur. And I, since there must be some frustrations along the way, but yet I still hear the joy in your voice and the positivity that can happen with that.

    How? How can you speak also to consumers who want to make good choices and may not have enough money to invest yet, but want to support those who can which industries, which kind of products which companies should we be exalting in a way as saying thank you for doing something that helps the planet instead of being extractive so that we can help you as well.

    Sean Penrith: Yeah, I think the number one place that people can individually deliver huge undeniable weight to the argument is, and I forget the exact website it’s called, I just looked at it the other day. It’s a website that tracks the most responsible banking entities in the world and basically compares the, carbon intensity of one bank versus another. And of course, all the ones you and I know well in, in the US are right up. But there at the top is not being that great. They’re funding the extractive. Side of things. And so to me, if there’s one place that you can make a difference, it’s choosing a responsible bank.

    There’s one just opened up in Florida called Climate First Bank. We’re actually thinking of moving our entire business checking account over the first climate, but they really, they walk their talk. So that’s number one. I think the other one is a little bit different from where I know the spirit of your question, but to me.

    When you look around the world, there are a few shining examples of policy makers or politicians that understand the severity of what’s. Planet’s going through whether that’s Al Gore or Mark Carney or Gavin Newsom in California. Regardless of what you think about his policies, understanding that Ahmed is a structural necessity for human survival.

    And so to me, people can make a difference obviously by voting for the, for people that put environment or sustainability or climate. First, and I think, it’s, that has not been happening, which is why we have a lot of folks in power that continue to carry the extractive industry flag. Which is just amazing to me.

    It’s just irresponsible 

    Kim Allchurch Flick: Indeed. I love. Listening to you and learning about something that I know a little about, which is large finance. And yet what I’m seeing is also how what you’re saying is being helped by people doing small things, but collectively. And one of the examples is a trip we made to Costa Rica last year that I did after 30 years and 30 years ago.

    I thought it was beautiful, but I didn’t realize. Was that it had been pretty severely deforested and going back in 2025, staying in eco lodges and to a naturalist guide, every one of them said, over the years, Costa Rica has reforest up to 50%. A lot of it on small hectares, like four to 10 hectares, privately owned that people don’t like.

    The monocrop pineapple industry that does the exports. They’re growing organically and they’re doing it with biodiversity, so nothing’s monocrop. They’re all integrated, and it was really, really encouraging to see that and around us. I also see media is pitching in a way too. Over the years, there have been some films.

    That are really good. Kiss the ground And common ground. 

    Sean Penrith: Don’t look up. Yeah, 

    Kim Allchurch Flick: exactly. Tho those types of films that help us understand that agriculture can change and it can change on a small scale, but collectively it builds up. And what I’m hoping that happens as people learn is that the consumer drive will also.

    Push industries toward what you’re doing as well and yet sometimes things feel daunting. 

    Sean Penrith: Totally. And I think we underestimate because it’s easy to feel overwhelmed and hopeless. If you look at what’s happening in the us, people are finding a voice to. Express whatever sentiment they believe about the efficacy or the trajectory of where this country’s going.

    But I think for a long time people have underestimated the power of their collective voices coming together. Because truthfully, I’m from South Africa. I was born in Zimbabwe. We had, growing up, we. Lots of strife. We had to overcome apartheid. We had to there, there was lots of challenges.

    And when I came to the US in 99 it’s, it’s a lot easier to live there because there’s not a call to arms, if you will. There’s not a rallying cry. We are seeing it now, and I’m not happy about it because it’s. Divisive. But but I think we underestimate it.

    And as you say, the it is the people on the ground who have the ability to aggregate and collectively change things, I don’t, I am optimistic, like you said, Kim, but I’m also a bit aghast at our inability to, i’m not even saying take a long view. I’m not saying take a hundred year view. I’m talking about just take a 10 year view. We just, nothing we’ve got in our current modern day society allows us the luxury of taking a five to 10 year view, everything’s next year, and so on, and that’s. Which is the difference between Asia and the west.

    They do plan for a hundred year cycle. They understand intergenerational wealth and transfer. They really do. We don’t, we have absolutely lost sight of it. And I work with a lot of communities in Africa right now. We are advising a newly established agency in the country of Liberia. So we are advising them on standing up.

    A sustainable financing mechanism for the country to help aid the small landowners that, that really are subsistence living. And, these people, if there’s anyone that needs help, it’s these people who are protecting the carbon sink baskets of the world, and we just don’t price it.

    It’s really worrying 

    Kim Allchurch Flick: the carbon sink baskets of the world. That’s an interesting, an important way to think about it as well and how the Climate First Banks owns amazing for people like me who are small business owners, how can we look to companies to help you and how can we connect with you to make investments?

    Sean Penrith: Just to be clear, we don’t make investments. We advise impact investors and impact funds and corporations and agencies and endowments on how to this is the part of the work I really love, so for example the US Endowment for Communities and Forests is a impact investing program that we worked closely with.

    The endowment had this idea of, exploring whether or not they could use a portion of their corpus to put into impact investing. So we did. We did the research, we helped design the pilot. They started scaling up every year. Putting more and more capital in. And I love that we can help direct capital at scale.

    That’s the part that really I love doing it when you get people to understand that there’s real opportunity here. And the endowment is a terrific example of people like that. So my point is that we don’t invest, we advise other people to invest. And most people just find us on our website strategies.

    But I think for consumers generally, there’s a couple of ways, right? And we’ve talked about the one, one is banking. How can you change where you bank? The second is fossil fuel companies, like what do you drive? How do you getting your power? Is it, is there a green component to it?

    And then the third is being aware enough to, I’m not saying take to the streets or be a belligerent activist, no business is gonna change unless they hear the voice of the consumer asking them to change. They’re just not gonna do it. There’s no value proposition for them to do it.

    And it requires us to say to people, where is your sustainability strategy? Where is your impact investing strategy? And that’s what I mean, is I think we’ve lost that voice in the US where we haven’t had to. But now it’s more urgent than ever. So those are the things that I think would help help us.

    And I think as there’s a. Whatever you want to call it, like a a blanket over the country which the rest of the world is watching in terms of how is the US gonna continue to respond to ESG or sustainability or carbon or whatever it is. And again it’s not going to respond if consumers don’t do anything, don’t say anything about it.

    So I think being vocal is important. 

    Kim Allchurch Flick: Absolutely concur with that. And I, my company is a B Corps company and yesterday started B Corps month across the US and Canada and the world. The B Corps movement is global and it seems like that might also be an opportunity that 

    Sean Penrith: totally. 

    Kim Allchurch Flick: And particularly with new standards coming out, there’s such an emphasis, deep dive emphasis on environmental components.

    Including carbon accounting. That’s becoming the measurement of the progress or lack thereof that’s being made with companies that choose to go through that assessment is, it might, one might say improving, which also means becoming more stringent. And becoming more difficult. And yet some of the solutions are companies popping up who know how to do carbon accounting in scope one, two, and three, and help translate it so that more and more people can understand something that might feel quite big.

    But it also helps companies from small, medium and industrial size companies to really think about what to do. And I think there’s opportunity there because the other parts of. The assessment to focus on is also how do we improve the lives of employees? How do we improve lives in the community? How and it all is tied together.

    They become almost inseparable even though they’re measured in different ways. And that makes me somewhat optimistic. And the other thing that makes me optimistic is there are people with. Values like yours who are running companies that are not certifying as B Corps, they’re not getting a stamp on anything, but yet the values are still there.

    One of the frustrations I find is we know from Nielsen studies that two thirds of consumers and. It’s millennials, 73% are willing to pay more for products and services when they know a company has good values. And that includes business owners that are, working B2B. 

    And yet the frustration is how do they find each other.

    And without being able to express those values and what impacts are being made, it becomes more difficult. So I really encourage companies to. Express, improve and write benefit reports and have the receipts that show it, but to show what they’re doing so that they can be found more easily and start to build a stronger network.

    That help, hopefully helps you as well. And it, and that can start with consumer push also. And I see it as a big net that doesn’t have great communication, but it has possibility. 

    Sean Penrith: I agree with you. So we’re a benefit corporation for good. So we’re. Wonderful. The other. Yeah. But I, it’s an interesting movement because nobody ever asked us, are we a B Corp or Benefit Corp, or whatever it is.

    It’s just something that we felt was really important to be aligned. And ’cause when you talked about the messaging side it’s, that is a, that is an open space, right? We don’t. Like we, we do our reports, we put it on our collateral, but it’s really driven internally. There’s no push for it from the outside.

    And I think that’s the opportunity for companies to it’s exactly what happened with organic, right? Organic was fragmented. It had different standards. Slowly we got to some standardization of what organic means, and now people have a degree of comfort that if they buy an organic banana that it’s, better. And that’s what we need when dealing with companies. 

    Kim Allchurch Flick: Indeed. What else is relevant that you’d like to share? Because this is arguably a very large topic, being compressed into a shorter conversation and yet critically important. I think everything you’re talking about is really critically important to understand and grasp and find out how we can help and.

    Those with the money, those working in companies that can make changes and work with you to be able to move that needle forward. 

    Sean Penrith: Yeah, I think the thing I wanna say what 

    Kim Allchurch Flick: is relevant? 

    Sean Penrith: Yeah, what’s relevant. It’s unfortunately, Kim the equation has flipped where, there, there are a lot of corporations that do actually want to do good. They do but the environment has changed to the point that when they look at engaging us so let’s say a company says we want to develop a, an investing program. We wanna allocate some resources to. Whether it’s investing in carbon credits or regenerative farming or whatever it is, ’cause it’s in our supply chain, doesn’t matter.

    The thing that’s flipped is that these people who want to do well are now operating under a veil of incredible caution. It’s not whether they think it’s good or not, that’s not the issue. It’s how do I ensure that I don’t make a mistake? Because the cost of making a mistake reputationally and in the media is huge.

    If I can draw a parallel, so as you probably know, the carbon market has taken a beating. A massive beating for integrity. And I’m not saying there aren’t justifiable reasons, but the irony that people who are attempting to do something as compared to people who do nothing, are the ones that are getting beaten up and the people that do nothing, they get a pass that, that seems like wrong.

    That’s wrong. And so because of that. Corporate leaders are incredibly aware of the type of of media sentiment that might castigate them. If they invest in something, God forbid, it goes barely upward. And if you take any industry, whether again the mortgage industry or the solar, the renewable industry, all of these is, these industries have had major implosions.

    Look at the 2008 crash. Did that stop mortgages? No. Did it stop you having. An account at a bank. No. And yet everybody turns to the carbon market and says, you need to be purer than the driven snow. Now, I’m not saying that the market doesn’t need to improve and it has improved. We’ve been part of that with our colleagues in this space, but it just seems that our.

    Perspective is the wrong way around. We should be applauding people who, even if they make errors along the way, are actually trying to do something compared to the people that are doing nothing that are involved in the extractive industry and they get a free pass. And the thing, the one point I would make here, and again, being born in South Africa, Southern Africa, I’ve been exposed across the continent to.

    The successes and failures of international aid, and while I understand all the motivations behind aid, one of the challenges with aid is that it delivers no leverage. And what I mean by that is it doesn’t create, it’s very rare, I should say that it’s rare that aid beat flywheel effect. But what can create a flywheel effect is if you help people create a business, right?

    If you help them develop a value proposition where they can be architects of the output that they then get paid for, that has incredible leverage. So why am I telling you that? Because when you take the carbon market for all of it, all of its challenges, there really isn’t a mechanism.

    It takes capital from the west, from the rich countries and puts it into developing countries because developing countries have an asset for the first time. Developing countries have got an asset, what is it? These carbon sink baskets that what? That’s what they’ve got. They can generate very high quality carbon credits and they can sell them to the companies in the west who have a need for them.

    And so to me. Channeling capital from the west into these emerging economies to drive tree planting or regenerative agriculture or protecting a mangrove is extremely powerful. No other mechanism does that other than aid, but aid doesn’t create the leverage. And so when people are like I can’t stand carbon markets, they’re completely missing the point.

    The point is we, for the first time, we have a conduit. To move capital from the west to emerging or the global south where we need it. It’s not charity. We need climate mitigation. And these emerging countries have the biomes that are worth protecting. They are worth us investing in them. So I think, that’s a long answer to your question, but it’s like our math is all upside down.

    We punish the people that take steps. We don’t punish people who do nothing, and then we take a market to task because it’s driving capital to the carbon sink baskets of the world, which we need desperately. This seems madness to me, 

    Kim Allchurch Flick: and yet everything you’re saying reminds me that this is so critically important and.

    Even the small areas, and there are some examples of, one is there’s a recent book called Land Healer by Jake Fines, who used to work at the Net Farm in England, which was a dying farm southern England about 20 years ago. And they weren’t making any money. It was just collapsing. And Isabella Tree and her husband decided to regenerate that.

    Farm by bringing animals in, having grazing animals, having more biodiversity, no more mono crops. They really looked at how tilling the soil is, but just it’s a book worth reading. And now 20 years on, they have a enormously biodiverse beautiful place that is open to the public to learn from as well.

    I grew up in England and I remember, and this is a bit about what we know, when we know it and how we think of things, it’s about what is perception. When I grew up in, in the Cotswolds in England, it was beautiful to see pastures and walls. And, but turns out that England. Had been a very forested island and it’s not large.

    The square mileage is probably about the same as state of Oregon, and yet it is so over farmed that’s why a book like Land Healer really shows what they’re trying to do to also feed people, to also have the food source, but to change the paradigms of how that is done. And to do it in a way that is biodiverse.

    And when it starts to happen, it happens quickly. And also that the film kiss the ground shows two farms side by side. 

    Sean Penrith: Yeah. 

    Kim Allchurch Flick: They’re both almost going broke. One of them decides this isn’t working I’m gonna change. And it becomes very biodiverse and he is not using fertilizers anymore and he is not creating dust tilling and the line between the neighbor.

    And it’s not only how broadly different they are, but how fast. And in California, there were four dams taken down on the California, Oregon border and one in WashU Washington, although Wild Boy Creek. And the thing that it took years to take those dams down and it took a lot of tribal input as well.

    The thing that the people are astonished by is that particularly the. The Native Indians who had been from the salmon tribes said they were finding salmon DNA in as early as four to six weeks. 

    So some of these examples helped me be optimistic to say, if we can just cross a line and say, let’s start doing this, nature rises up and nature moves quickly.

    And I loved what you said about how. The planet’s done well without us, we are a very invasive species and if we can pull back and give nature enough room there, the speed at which things happen is really relevant. And that’s why, coming back to what you do, encouraging companies to do good things with their money to help these things happen in those carbon baskets that are everywhere.

    They are on every continent. There’s it’s carbon, if 

    Sean Penrith: every Yeah. 

    Kim Allchurch Flick: It could do wonderful things in a short period of time, sometimes still within our lifetimes to actually be able to see it, like taking a dam down has brought back a species that hasn’t been able to be there for, in some cases 60, 70 years, and they came back in four to six weeks.

    It’s encouraging and it takes money to do that. 

    Sean Penrith: It does. I think your point about in our lifetime, maybe it’ll be a combination of this, but it’ll either be something cataclysmic that, you know, like COVID where everyone had to respond or or some political enlightenment. It’s gonna be, because I, I think one of your questions was, what is the community that I work in and what’s the worldview? It’s, I think you picked it up. There’s a, there’s definitely a sense of optimism and a drive to succeed at what we do, but we do it clear-eyed and very aware that if you just look at what we need by 2050 in nature finance, that’s $8.1 trillion a year.

    Yeah, eight 8.1 trillion and 70% of that must come from the private sector. 70%. ’cause the public balance sheets are too thin. We just, we can’t rely on the public finance system. So where do we get that from? We know there’s enough money in the private markets. We know that there’s trillions and trillions and trillions of dollars in all sorts of sectors.

    So what we need to do is create the focus, the urgency, the will to put a value on planet stability. That’s either gonna be a crisis or enlightenment. Hopefully not, but the incremental pace at which we’re going is definitely challenging for me. 

    Kim Allchurch Flick: Yes, indeed. Crises we’re seeing if they’re recognized.

    Enlightenment, there is some bill McKibbon wrote a book called, here Comes the Sun. About the solar industry and how the Chinese are leapfrogging wind and others, and yes they have done a lot with coal but the speed at which they are switching over to solo and solar, making it affordable, but.

    Sean Penrith: Yeah, but that’s political leadership, right? They see the value proposition in being dominant in that industry. We don’t see that in the us. We don’t see that in Europe. We’re so concerned about keeping the status quo. I think when I say enlightenment, I mean to me Mandela is the, is the epitome of somebody who understood. How to care for community, how to care for land, right. We need more people like that. 

    Kim Allchurch Flick: I hope a lot of people listen to this because I think you’re amazing. As we wrap up how can people reach you? 

    Sean Penrith: Easy. I think I’m the only Sean Penrith on LinkedIn by my recollection.

    So LinkedIn’s pretty easy. Or our website, GordianKnotStrategies.com. Those are the two easy ways 

    Kim Allchurch Flick: and everything is in the show notes. And also the final question is, if you could have dinner with up to three people living or deceased, who would they be and why? 

    Sean Penrith: I mentioned one, Madiba Mandela would be one.

    Yeah. Why? I was just a legend. Just the ability to have such incredible humility and vision. It’s breathtaking. So that’s one Second, I would love to have dinner with Richard Branson. I find him. I find his maverick ways and his story very inspiring. And the third would be W. Chan Kim, who’s the Blue Ocean strategist the mastermind of management thinking.

    I’d love to have dinner with him. 

    Kim Allchurch Flick: Oh, it sounds so delightful. You are s an inspiration to me. I’ve learned a lot. I’ve admitted carbon and financial markets have not been my bailiwick. I’m but learning to understand them is one of those Im important things because I do work with businesses and I am a community member and wanna reach as many people as possible with these messages.

    So thank you. Thank you for doing it. Thank you so much. Everyone. Thank you for being here. 

    This Episode’s Guest: Sean Penrith

    Sean Penrith headshot. Smiling, outdoors.

    Sean Penrith is the CEO of Gordian Knot Strategies (GKS), a climate finance consultancy serving multi-national corporations, endowments, agencies, project developers, consortiums, and impact investors across the US, South America, Africa, and Europe. GKS’s goal is to ignite climate solutions by mobilizing $1 Billion in impact investment per year by 2030. Sean was a Senior Technical Advisor to the Integrity Council for the Voluntary Carbon Market (ICVCM) and an Observer to the Green Bond Principles. Sean presents frequently on topics that include conservation finance, business scaling, climate smart agriculture, carbon mechanisms, policy, and markets, the future of sustainability, and climate change.

  • Solving Oregon’s Housing Shortage with Nathan Wildfire of Missing Middle Innovations

    Solving Oregon’s Housing Shortage with Nathan Wildfire of Missing Middle Innovations

    Nathan Wildfire, a community and economic development professional and founder of the Missing Middle Housing Fund, joins Kim Allchurch Flick for a discussion about why housing is scarce and expensive and what can be done.

    Nathan traces his inspiration from growing up in post-industrial Pittsburgh and from his grandmother’s lifelong HUD-related work building senior housing, leading to a belief that housing choice underpins thriving people, places, and economies.

    He explains the “missing middle” (households at 80–120% of area median income) who earn too much for subsidies but not enough to avoid cost burden, and describes long commutes harming employers’ hiring and retention in places like Newberg and Boardman.

    The fund acts as a connector among communities and innovators across finance, policy, workforce, and building methods, highlighting projects like Yamhill County’s digitized zoning codes via UrbanForm and Newberg’s Hive cottage-cluster showcasing modular, mass timber, and other construction technologies, while sharing funding sources, expansion interest beyond Oregon, and personal reflections on housing stability.

    Listen Now

    Time Stamps

    00:00 Welcome And Guest Intro

    01:23 Roots In Pittsburgh

    03:47 Learning Community Development

    05:50 From Nonprofit To Government

    06:38 Oregon And Housing Shortage

    09:01 Choir Story Housing Is Personal

    11:26 What Missing Middle Means

    15:26 Starting Up And Building Coalitions

    17:19 Commutes And Employer Impacts

    21:48 Who Must Collaborate

    23:20 Four Quadrants Of Innovation

    26:44 Urban Form Zoning Example

    29:16 Zoning Code Simplified

    29:46 Boardman Housing Fund

    30:49 Coast Working Groups

    32:11 Hive Cottage Cluster

    35:38 Greener Factory Housing

    37:31 Who Is Paying Attention

    39:53 Commercial Crossover Ideas

    41:55 Optimism And Innovators

    45:27 Employers And Funding

    47:55 Expansion And Contact

    49:03 Why Housing Matters

    51:00 Dinner Guest Picks

    54:32 Final Thanks And Wrap

    Kim Allchurch Flick: Hello everyone and welcome to the podcast. I am so excited to have Nathan Wildfire with us today. Nathan has worked in community and economic development for over 20 years in Pittsburgh, Vermont, and Oregon. He’s passionate about the grassroots and personal connections of community building and the macro challenges possible through.

    And the macro changes possible through creative data-driven public policy. Nathan is privileged to have learned from incredible mentors through every stage of his career. He has been a choir leader, outdoor explorer, and I love this one, occasionally, unretired volleyball player. Today we’re gonna talk about why we have a housing shortage and what we can do about it.

    Nathan, welcome to the podcast on the stage. 

    Nathan Wildfire: Thanks Kim. It’s a real pleasure to be here. I appreciate being on. 

    Kim Allchurch Flick: I appreciate the work you’ve done. We met because of Oregon Entrepreneur Network and the more I learned about the missing Middle housing fund, the more I learned, first of all, how amazing how many layers it takes to do what you’re doing.

    The people involved and I really wanted to capture. All of that today. So what is your journey and inspirations and values that got you to this point? 

    Nathan Wildfire: I grew up in Pittsburgh, Pennsylvania. And for those of you listeners that don’t know Pittsburgh is very proudly in the Rust Belt of America. And before I was around really during World War ii, in the years that followed, Pittsburgh was the center of.

    Steel for the entire country and its economy was booming Close to a million people. Lived in the city of Pittsburgh by the time I came along in the 1980s. Half of those people had left steel mills were mostly all closed. And the city was a radically different place. Its bones as those of us in community development would say were still very, very good, but it was missing a lot of the lifeblood that had sustained it for decades.

    And that’s where I grew up. So whenever I would take the trolley to whatever internship I had downtown. I would go through many neighborhoods and each neighborhood looked so radically different than the rest, like block by block, right? Like why did these 10 blocks have so much vitality and activity and wealth?

    And then the next 12 blocks, it was vacant homes and things didn’t look so positive. And then the next 12 blocks something totally different. And my brain. Really wanted to figure that out. And then the other part of this story is that my grandmother worked full-time for HUD until she was 80 years old and then kept working for another three building housing for seniors in rural Pennsylvania.

    And so every family reunion I’ve ever been a part of, more or less part of it happened in a building grandma built. Maybe we were Christmas caroling for the residents, or we were having a pizza party and playing cards. So I have these two pieces of my journey. One was this curiosity for why do different neighborhoods and places to live end up so different?

    And then, wow, I have this hero, my grandma, who had 12 children, by the way, who was building housing in rural Pennsylvania for those that needed it. Most. So I guess you could say curiosity about housing is a bit in my DNA. So that’s how things started. Then I went away to school and learned, take the personal and put it over on this part.

    It’s still part of my foundation, but now I was learning. The why, right? The why are there’s such great needs in rural America for those with less means or seniors. And why would six neighborhoods in Pittsburgh look so radically different on a relatively short train ride? And so I started to learn about how these larger policy levels, levers start to affect why our built environment and our communities are the way.

    They are, I was really lucky. After I graduated college I got an internship at east Liberty Development Incorporated in Pittsburgh, and it was this powerhouse of thinking and doing. Around community development, and I was there for eight and a half years, and I like to say I was a, I became an expert of nothing but a dabbler in everything, community development, right?

    Whether that was affordable housing or market rate rehabs, or building bike lanes, or running a community plan process. I had so, so many meetings in church basements with angry people and bad cookies. Till like midnight, and so I, that’s where I really started to put into practice how housing and other parts of our built environment impact people’s lives directly, but also the place, not just the people, the place.

    And then the economy, right? And so I started to gain this belief that h enough housing, the right kind of housing and housing choice is what enables people, places, and economies to thrive. It’s the, it’s literally the thing most of us spend the most every month, like the biggest check we write is usually our mortgage or our rent.

    It’s foundational to like how we thrive. And so now I, now I’m starting to do this professionally. I eventually moved to Vermont and instead of working for a nimble nonprofit with all these giants where risk was encouraged and thinking outside the box was the norm. Now I worked for city government where I had more.

    Control, but all of a sudden risk was a four letter word and thinking outside the box N not so great, if you’re reporting to elected officials. And so it was interesting. It was a very interesting move. I went from a neighborhood that was predominantly African American below the poverty line.

    Lot of vacancy to one that was predominantly white, older, and wealthier. And so it was a kind of a rude awakening. And how community development happens in different places. And then, more recent part of my journey is I moved to Oregon and my bureaucratic journey continued and I started working for the state of Oregon and my role at the state was with the innovation team for the state.

    And that’s what really got me exposed to how entrepreneurs and innovators are. Changing the world and how they’re funded or not, and how they are constantly pushing at the edge of technology or good policy, or how you fund things. I, first, I was so close to the neighborhood I served, then I was in a city and I learned a lot about government.

    Now here I was working directly for entrepreneurs and the people that funded them actually. And in the midst of that, I left that job and I started thinking about housing with a few other smart folks. Why does it take so long? It costs so much to build housing because we’re, depending on who’s counting about 140,000 units short in Oregon, this, the country’s five to 6 million units short, and the consequence of having not enough housing supply.

    Especially for those middle income earners which my nonprofit is named after the missing middle housing fund. The consequence of not having enough housing is that the cost for everyone goes up. The cost of housing, no matter where you’re at right now, continues to rise, and part of that’s tied to it taking so long and costing so much to build a single unit.

    Of housing. So after speaking with a series of developers, architects, financiers, governments me and a few others launched the missing middle housing fund to try to get to the bottom of that question, why is it cost so much take so long? And what we’re trying to achieve is doubling our housing production for half the cost and half the time.

    And we believe that the way to do that is by working with innovators and policy. How our workforce is trained, how we fund things, and what we build our housing out of and how, so that’s I guess how I got here. If you don’t mind I’ll say one other thing. Please do and then we can get into it.

    But on the side, I’m also a choir director. I’m the co-founder of a choir in Portland and was the music director for many years. And as you might imagine people that sing in choirs come from all walks of life. They work in retail, they work in the service industry, they’re in manufacturing.

    They’re college professors, they’re computer coders. They work in a bank. They do everything. You don’t really get to pick who falls in love with singing, right? Based on. You know what they do for a living. And so when you have a choir, your most important thing is to be in harmony. But when the pandemic struck, and I think we had 22 folks we went really quickly down to eight people in our choir.

    And it wasn’t ’cause they got COVID, it’s because they had a housing disruption in their life. The economic consequence of the pandemic was a lot of folks lost their job or were underemployed. And so they moved they moved back home, wherever that was. Maybe they went back to school. They moved out of the Portland Metro.

    And so the consequence is that my choir family, literally our harmony was broken. So I got to see in real time how housing instability can affect a community like mine. So while I think today we’re probably gonna talk about a lot of really. Interesting policy or financial tools or really cool innovation at its heart.

    Housing is personal. It’s our sense of home, it’s our sense of stability and economic vitality. And without it, those people, places and economies suffer. And it’s important to me just like it was to my grandmother to be a part of that solution. 

    Kim Allchurch Flick: Thank you for that. Being in harmony and then noticing these people that have been hit harder by a pandemic than others and how it affects their housing.

    And it, it also strikes me that you’re very intentional about naming your organization. So if you could tell us more about that and what is it? What does it take to be noticed as the missing middle housing fund? How many doors do you have to knock on? How many unanswered emails, how many, what does it take to move this forward?

    Nathan Wildfire: So let’s talk about the name first and then we’ll talk about that grind that you just described. The housing that’s built, leased in America is the housing that is serving those making between 80 and 120% of area median income. Area Median income is if you lined up everybody in a city by income, it’s the middle person.

    It’s what does that person earn? And so 80% of that dollar figure, up to 120% of that dollar figure is what we call the middle. Okay. In kind of real terms that middle changes, depending on where you are in Oregon or beyond. But a lot of the time it looks like teachers, it looks like the folks that work in our banks or drive our buses.

    It looks like entry level computer programmers. It looks like people that work in retail. The truth of the matter is that those folks make too much money. To qualify for anything that we would call affordable housing or subsidized housing, but they don’t make enough money to spend less than 30% of their income on their housing if they want to live near where their, where they wanna be.

    Opportunity friends, great quality of life, whatever their reason is. And so if you spend more than 30% of your income on housing, you are what the federal government would call cost burdened by your housing. And the consequence of that is maybe you don’t send your kids to the daycare that you want, or you don’t go back to school, or you don’t go on the vacation that you wanted, or you don’t.

    Upgrade your living situation. And the missing middle refers to the fact that we don’t build housing for that income earner. Thank goodness we have all these subsidies for folks making less than 80% of a ami. We don’t have enough, but thank goodness we have some. And the folks making over 120% of a MI generally the market.

    Response to their spending power. And so that housing is built as well. So when we launched our nonprofit, we wanted to be clear that that was the income segment we were. Targeting. We are also a little bit strategic, right? There are a lot of people working on affordable housing, but they don’t generally work in that middle space because the economics are poor, right?

    You, if you think about it, it costs roughly the same to make a unit of housing no matter how much the person that’s gonna live in it. Makes right. Walls are walls. Electricity is electricity. Roofs are roofs. Foundations are foundations. The fin interior finishes might change, but at the end of the day, a lot of housing costs are the same.

    And if you are making it for those with less means, you generally have a subsidy that then accounts for the fact that you are going to get paid less in rent. Or in a for sale price. And if you’re building a market rate, the other end of the spectrum, you just don’t build anything unless someone’s gonna pay you for it.

    The market demand takes care of it, but in the middle the cost is the same, but there’s no subsidy and the people aren’t making as much, so they can’t pay as much in rent or mortgage. So that’s where we’re at. There’s also just, frankly, a whole lot less cooks in that kitchen. So we thought that if we could figure out how to solve that problem it would be really, really beneficial and we would attract a lot of partners to the, cause.

    A lot of cities desperately want more workers in that middle income range but it’s hard to do if you don’t have the homes for them to land in. So I think that’s the first part of your question. The second part of your question is like, how do you get. Noticed. How do you, how many, I think you said, how many doors do you have to knock on?

    Anytime you start something new, whether it’s a company or a nonprofit, any kind of organization, the first, thousand times you write an email or say hello, make a phone call. They say, who? Who are you? They might know me the human, but they certainly don’t know the missing middle housing fund, which, is the most ridiculously long email address of all time.

    But that’s, that. It takes a while. It takes a while and you have to, you have to hustle. You have to build connections and ask for help. The other reality is like we had good thesis, we had some really interesting innovations to highlight. We had some good ideas, but at the end of the day the only way that we’re gonna solve our housing crisis is through the power of many.

    You want to go fast, go alone, you wanna go far, go with many, right? You’ve heard that before. It’s true with housing. So you really have to build the coalition of the enthusiastic, right? The folks who are just relentlessly showing up for this cause, for this mission. And it’s a mission that also has to.

    Makes sense, like in a capitalist sense, right? Nobody’s gonna, nobody’s gonna join your cause if everybody’s losing money. So it can be the greatest. I just talked to you for 10 minutes already about how passionate I am about this mission, but partners come because they see economic upside. Whether you’re an innovator or whether you’re a funder, or whether you’re a city desperate for a certain type of person, it has to make financial sense. And that’s where it gets hard. That’s where it gets really, really hard. Yeah. Is that, I hope that’s answering your question. 

    Kim Allchurch Flick: Yeah. In some ways I’m also thinking about these statistics and.

    Think about with housing prices that vary wild widely between different cities. But for someone in that income bracket to afford a house, how far do they have to commute to the place of work? And sometimes that’s a rate limiting step. And I’ve had an active real estate license for a while and there have been times when.

    Just based on someone’s affordability. Sometimes we’ve searched 90 minutes, two hours out of the, the city center or whatever might be the most prosperous place to work to find something that, that their income can pay for. And I know that varies wildly, but for years I, I knew of people who lived in like Davis, California to work in Sacramento.

    Or no, not Sacramento. That’s close. But Sacramento is getting more expensive, but San Francisco, right? And that, that can be according to the traffic, a 90 minute plus commute. And it seemed to be coming. Portland didn’t seem to be that bad a while back, but now it’s seems that the commute gets longer because the traffic gets more and people can’t find the work that’ll pay for the house where they can live.

    So they’re commuting and I was wondering if you could speak to that. Sure. And what about those employers too? 

    Nathan Wildfire: So we work all over Oregon. So while this is really true in Portland, I actually want to use some examples from outside the Portland Metro. So we work a lot with the city of Newburgh, which is in Yamhill County, part of wine country.

    And Newburgh has some pretty significant employers. There’s a senior care facility, there’s hospital system. There’s a university, George Fox University. There’s big manufacturer. One of the largest dental equipment manufacturers in the world is actually in Newburgh, Oregon. And all of them. Are struggling to hire and retain employees.

    They’re the economic development agency that works down there is called SEDCOR, strategic Economic development Corporation partner of ours. And they were responding to their, the people they serve, which is the employers. And they said, geez, we can’t hire, we can’t retain. A few of them did a study and saw that their employees were coming from as far away as Gresham Wilsonville Salem, and further to work in Newburgh because they couldn’t afford to live in wine country.

    They also knew that, over a period of months, or a little bit more than a year, if you were driving more than 45 minutes, you were highly likely to quit. So it was very it affected their bottom line, right? But also their sense of community. I heard a great quote today. I want to attribute it to Julia Metz of Sightline who told me, this is actually Michael Anderson’s quote, but, the whole point of a lot of what we do is how do we allow people to live close to where they want to live? Or how do we allow people to live close to each other if they want to? Like that, that, that really struck me. And we work a lot in Boardman, Oregon. Boardman is down the Columbia River or up the Columbia River, I should say.

    In desert, Oregon. It’s the source of a lot of our food that we eat. A lot of Tillamook Creamery products come from there. It’s where a bunch of Amazon servers are today, and the city of Boardman has been one of the fastest growing cities in all of Oregon. But more people now work in Boardman than live.

    Which is wild. And they drive from as far away as the Tri-Cities in Washington, Hermiston, Umatilla, Southern Morrow County. Their commutes are sometimes over an hour, and those employers that are in Boardman understand that if they can’t figure out a housing solution that’s better, they’ll lose those employees.

    So this is a pretty. Big deal. The commute piece of this quality of life kind of stinks when you’re sitting in a car for two hours of your day versus being able to walk to work or have a short drive or a bike ride or whatever. Yeah. It’s pretty meaningful, Kim. 

    Kim Allchurch Flick: Indeed, it’s So who do you work with? What, who are the players 

    Nathan Wildfire: Yeah.

    That, 

    Kim Allchurch Flick: that have to come into play to make this happen? 

    Nathan Wildfire: It’s a cast of thousands, so yes. Yeah, so the Missing Middle Housing fund predominantly works with people who have an innovation on one side of the equation, and then the people who need housing. On the other side of the equation, let’s part, let’s start with the people who have need first.

    A lot of times we just think of the human that’s living in that house, right? Or that apartment. But really it’s like the people that are obsessed with that are the employers. Or a government, right? A city, a county. It might be a collection of employers. It might be the economic development nonprofit for our region.

    But these are entities that say we have a housing crisis, people are moving away, or the, our kids move away and they don’t come back. It’s too expensive. We can’t have, the folks that work in our economy live here anymore. We’re not growing our tax base. What do we do? So these are the entities with need, right?

    So those end up being our clients a lot of the time, and we’ll come back to like how we help them. But then on the other side of the equation are the people that are. Innovators and these innovators take the flavor of companies. Sometimes nonprofits, sometimes it’s other governments, sometimes it’s researchers, but they tend to innovate in four key areas.

    That are really important to the people I mentioned before with housing need, and those four areas are, and for those of you that are a visual learner, maybe think about four corners of a screen or a pie chart, it’s cut into four quadrants. Those four areas are finance. So how do we actually. Fund housing to get it built, to change how it’s in, innovate, right?

    It’s the money part. That’s one. The next part, the next quadrant would be policy. So it’s like the rules, the regulations, the red tape. How can that be used to either make it harder, fast, slower, more expensive, or easier? Faster, less expensive, more certainty. So that policy is big quadrant number two, big quadrant.

    Number three is the workforce. It’s the labor, the people that are actually building the homes, right? How are they trained? Where do they come from? Do we have enough of them? Is their job changing as we produce more? Offsite housing, factory based housing artificial intelligence, robotics, whatever, right?

    How do we get more women into the workforce? These are just very real problems that come with accelerating your, the number of units you build. If you don’t have enough people to do it you’re outta luck. And then the fourth is the piece that I think most people like to talk about.

    It’s the design, the materials, and the assembly. So what are we actually. Making these homes out of, right? How are they designed? Where are they constructed, and how can we have efficiencies of scale? So I’m here to tell you that there’s no silver bullet. You can’t just change a bunch of policy and all of a sudden how housing will get built.

    You can’t just create a new funding stream and housing will be built. You have to work in all four. Of those quadrants. So here we are, the missing middle housing fund, where a young nonprofit, we’re still young, but when we first were starting, we see on one side of the equation all these places and people that need housing but don’t necessarily know how to get it.

    And then on the other side of the equation, we see all these brilliant. Innovators trying to change how it’s regulated, how it’s funded, what it’s built out of, how we train the next generation of workers. And where we sit is right in the middle. We go find all those innovation companies and people and policies and governments, and we connect them to those employers or regional nonprofits or cities or counties, and we help them change their funding policy.

    Workforce and design materials, environments, we’re essentially a giant connector. And part of the way that we do that connection is by raising funds and putting money into innovation or actual housing creation. But at the end of the day, Kim, it’s quite frankly a lot of piecing the puzzle together.

    That’s what we do. 

    Kim Allchurch Flick: And how’s it working? 

    Nathan Wildfire: It’s really flu, but it’s real slow. I’ll give you some examples. So we met a company called Urban Form. Urban Form, digitizes zoning codes. And then there’s an online platform. You could just type it into Google right now and it would take you there. And like Google Maps, you can zoom in on any parcel in your city and you can.

    Very quickly understand what you can and cannot do. On that parcel of land, you can understand its zoning code. In a really quick, easy way. Now this is true if you’re Bob who’s gonna put a deck on the back of his house, or you are Cheryl and you’re gonna do a 30 unit development in a city in Oregon, or you’re the city planner and you have an inquiry from someone on the phone, or maybe it’s a zoning application, and very quickly you have to figure out.

    How to tell that person what they can and cannot do based on a zoning code that can be hundreds of pages long and hard to understand. And if you’re Bob the deck builder, this might be the one time you’re ever gonna touch the zoning code. But even though it’s your first and only time, you are clogging up that planner’s time and work just as though you were.

    Cheryl building 30 units of housing. So what urban form does is it makes it super clear to anyone in the cities they work in what you can and cannot build. And it reduces huge amounts of time for sometimes very limited planning staff in our cities across Oregon. So once we learned about urban form. We are pretty excited.

    It’s just an example of a innovation startup that impacts that policy part of the equation, right? So then our job was then to go connect this innovation to funding. And then the cities that might actually want to implement urban form through a partnership with SEDCOR. I mentioned them earlier. They represent the mid Willamette Valley in Oregon.

    We got funding to make Yamhill County in the middle of wine country, the first county in America that has had all of its zoning codes digitized. That’s a real thing and now people are using it. So did that happen fast? Not really. Each city has a different code. There are different concerns, but we had a great partner in urban form who is able to actually meet the concerns of all of those different cities and now there’s a great tool to simplify the housing process in Yamhill County.

    Nobody thinks about the zoning code, not really, unless you’re a builder or a developer. But it’s so core to getting things done and to actually building housing in Oregon. Another example would be in Boardman. I mentioned them earlier. Boardman is desperate to get more housing.

    And by working with us, they launched a fund. They launched an actual housing fund that is managed by a housing advisory committee, which we provide assistance to. And that committee then makes recommendations to their city council like. How should we spend this million bucks? And they use that capital to actually now go do things like implement urban form.

    That’s one of the things they did. Access better state programs for funding, be a pilot for the state for different funding programs, create a master plan for different assemblages of property. And eventually they’re gonna actually make probably loans to different companies to actually build housing of the type they want.

    In Boardman. So that’s another example. You, there’s a funding innovation, right? That you then connect to these folks that, that want housing in their community. We’re, a third example would be we work with a bunch of communities on the southern coast of Oregon Southern Oregon coast Regional Housing is our nonprofit.

    Partner down there, they get funding from a group called CCD which stands for COOs Curry Douglas Counties, the counties that they serve. And one of the things that we’ve been doing with them is standing up all these different working groups. They have many, many cities that they’re working on behalf, right?

    And it tends to be like the same 4, 5, 6 people that do everything across a giant region. And what they really needed. Was help. They needed more brains, more doers, more horsepower. So we have helped them stand up all these different working groups. One’s trying to launch a fund like I just described in Boardman.

    One of ’em is trying to do pilot. Projects. One of them is trying to cut red tape, right? So like you don’t really always know what each community needs. You gotta ask them and then you start connecting them to the different innovations that, that we see have promise or are actually getting the job done.

    Yeah. 

    Kim Allchurch Flick: That’s so fascinating. What other innovations. Like materials building designed. Oh yeah. What kind of innovations are you seeing? 

    Nathan Wildfire: It’s always fun to talk about like the stuff housing is made out of. So I have a colleague Ryan Olson. Ryan has helped conceive and is running a project in Newburgh, Oregon.

    I’ve mentioned them several times, but it’s a cottage cluster development we call hive. The Housing Innovation Village experience, we had a groundbreaking in December. Hive is 10 cottages built with six different builders using different building technologies. I’ll tell you about those in a moment.

    Some funky financing mechanisms that, again, through the help of SEDCOR and Rep. Anna Scharf, we have some funding to actually do this experiment to deliver 10 for sale homes at middle income prices with very different building. Materials. So I’ll list them ’cause I think they’re pretty cool.

    MOD’s, PDX is a partner of ours working with Hone. Those are two partners together who are building homes in our Hive project that uses Mass Timber and also different penalized construction. They do it all modular in a factory in North Portland. And then it comes down to Newburgh and Boop goes up in a period of a week or two.

    The next one is Ryan has his own company called Elemental. Elemental is all steel frame modular same kind of principle flat packed or shipped as a modular unit. So this is built off site and then comes in boop, goes up pretty quick. Cedar Stone. Builds out of cross laminated timber and so does un brick.

    Those are two separate companies who are building cottage in in hive. Out of cross laminated timber humankind homes is actually going to be building the community space. And then another home they use geopolymer. Concrete and their vision is to use robotics to actually build on site.

    Geopolymer concrete is like what the Roman aqueducts were made out of, if you’re tracking that. And then Mahoney in Northwest has a vision to build penalized housing across the mid valley. So there are sixth builders. So it’s wild. And we are going to have a home show for all of these building technologies in the early fall.

    So they’re all gonna get constructed over the summer. And then we will have a home show. Everybody can come and check ’em out, kick the tires, so to speak. And in the parking lot ’cause there’s a little parking lot we will have a whole bunch of other technologies that we’re gonna show off and an exhibition at the same time.

    Check that out. We have a links to it on our website, missing middle housing.fund. You can go see what Hive is all about. 

    Kim Allchurch Flick: That sounds fascinating. And it also. I may be wrong with this, but as I was listening to this the wood, the cost laminated, the other innovations, it sounds like these buildings are also potentially not only greener, but cleaner in terms of toxins and things like that, that Oh yeah.

    Have been consistently within home design and building that sometimes we don’t realize how. Toxic a home can be when it’s brand new

    Nathan Wildfire: and that’s a comis consistent commitment from these builders. First off, like I should point out you’re not gonna hand build your way out of our housing crisis.

    It’s just impossible. So we have to have more innovative solutions. We still are gonna build tons of housing by hand, but we have to have these sort of offsite. Solutions. It’s not like when we started building millions of cars in America, it was always just a couple people coming out to build each car by hand.

    That’s why we created the assembly line, right? So same principle is true with housing, but we’re not. There yet, while you do that, of course you can be sourcing local materials that, whether that’s timber, which has drive driven the Oregon economy for years. Steel, which we know has fireproofing properties geopolymer concrete, which uses the material that is all around us all the time.

    These houses want to be net zero energy or hyper efficient. A bunch of them want to incorporate solar panels, but all of them are, with the exception of maybe MOD’s, PDS, a lot of PDX, a lot of them are newer. To the marketplace. So what Hive does is it gives them a platform to show off their stuff get to house one or house 10, and then people and builders actually and planners can actually come and touch it and go inside and build familiarity with the product and process and trust in those products and processes, right?

    So it’s really hard. What we’re trying to do is, showcase this innovation and at the same time hit these middle price points. It’s really, really hard. 

    Kim Allchurch Flick: And it sounds like instead of street of Dreams, it’s a street of possibilities. 

    Nathan Wildfire: Ooh, I like that. Kim 

    Kim Allchurch Flick: just came to my head. It’s it’s encouraging. What are you seeing?

    Around you and who’s paying attention? Not names necessarily, but what types of people are paying attention and saying maybe we could do this in our area. 

    Nathan Wildfire: I can tell you a really fun one. Typically my, myself and my colleague Amy, we run these really big workshops, these huge events, they’re happen all over the state.

    We call them Let’s Build events. And the purpose is to introduce a region and the civic, infrastructure of that region to these innovations, right? Whether the materials or the funding or the policy or the workforce. And so once you do that, all kinds of people start asking. About one innovation or another, right?

    Whether it’s a builder that wants to understand how a kit of parts works or it’s a financial institution that wants to understand how these lending funds work, that’s what comes out of the woodwork. But the fun one was last week I was in two day long workshops that I did not have to run. I was just a participant, and it was the Government Accountability Office, which actually reports to our federal.

    Congress and our Congress and the GAO is very interested and curious about innovations in housing. Housing productions. So myself and a whole bunch of other folks who think big thoughts and do big things about housing nationally for two days, got to essentially answer questions and have debates in front of the government accountability office, which they will then take as a report to our Congress.

    I think our Congress understands that one of the biggest challenges of our times. It’s housing affordability. And so that was a fun one, Kim. That was I didn’t have to run anything. I just got to participate with a bunch of other people that are as passionate as me in housing and quite frankly, so much smarter in so many other ways and pieces.

    The housing puzzle I know so little about like insurance or, structure, insulated paneling or, there’s all these different think tanks on the call. It was truly really, really fun. Very encouraging 

    Kim Allchurch Flick: it. It is. And it seems like there’s some innovations in commercial. 

    Real estate as well, and buildings to make them greener, more affordable, accessible, all of those things. And that to have residential, are you seeing any crossover of ideas between. Commercial and residential at all. 

    Nathan Wildfire: Yes. So a lot of these modular approaches in particular work for commercial spaces as well, right?

    So if you, because you’re basically building boxes, you’re building a box and you’re trying to optimize that as best as you can for both quality and then repeatability. So how can we create this thing? And you can make the outsides look very different, but in the guts, how do we make this like kit of parts, so to speak again and again and again.

    Hotels are actually an industry that, that figured this out a long time ago. But now commercial properties and housing properties alike. Are trying to solve this challenge through automation, through replicability, through offsite creation. A lot of the times too, you’re using multiple suppliers.

    You don’t necessarily have to have everything in one factory. You’re outsourcing the different parts of the home to different builders and different suppliers, which is. Cool and interesting. And then there’s entire industries, mass timber would be an example of one where the commercial applications actually came first and housing is coming later.

    So in Portland, the one that we all know is the roof of the airport, right? And so that’s meant to be a showcase of local expertise and a local material. For kind of some. Engineering reasons. A lot of the first applications of mass timber were things that were big, big, big, big slabs and beams and floor plates.

    And so now as the technology evolves, we’re seeing more and more effort go into how you create residential. So that would be a big point of crossover between the two? Yes. 

    Kim Allchurch Flick: Wow. What makes you optimistic and what are some future goals? 

    Nathan Wildfire: When we first started we thought we, there was gonna be a secret sauce, right?

    We thought there was gonna be some sort of, oh man, we figured it out. This is how you make housing go faster and for less. And it turns out there is no secret sauce, but there’s thousands, and I really mean it. Thousands of people trying to solve this. Problem. There was innovation everywhere we looked, and some of it again was like.

    That really dogged planning director in some city who just figured out that housing was a challenge and they were gonna work as hard as they could to update their zoning code, their permitting process their, system development, charge process. They were gonna take it upon themselves to make housing easier.

    And that’s an innovator, right? That’s someone that really, really. Cares. It might not be as sexy as like the roof of the Portland airport, but it’s just as important. And then figuring out, like with a bank, how you actually create the right way to finance these innovative homes or these innovative companies.

    It’s just as important as the really interesting robotic technology because the money is what makes the world go round the most excited I ever saw. One of our partners, his name’s also Nathan, Nathan Young, Nathan Young Run runs Mods PDX. And he can, I think, accurately be described as a person who is passionate about precision and excellence.

    And he’s can be a little gruff. And he’s, he’s hands are probably the strongest hands I’ve ever shaken ’cause they’ve wielded so many hammers and screwdrivers, but he turns into the most. Effusive smiling person when he talks about training the next generation to work in construction and to do offsite modular technologies.

    He is so passionate about taking his hard-earned knowledge in bringing that to other people, particularly young folks. So you know what makes me optimistic? Nathan’s smile when he talks about the people he’s training. You know that planner who’s like, well, it’s taken three years, but I finally updated the zoning code.

    Good for you. Now let’s go do it again. Let’s go take it to the next place. Everywhere I look, Kim, I’m surrounded by innovators. It’s truly inspiring. 

    Kim Allchurch Flick: I love that. And also the thought of hard earned knowledge and sharing it. Because knowledge sometimes is hard earned. It’s making mistakes, or not even making mistakes, but just running up against obstacles and finding workarounds while still keeping values and keeping the end goal in mind, which is, the stability of a project the necessity of strong building doing things the right way and to teach others to do that.

    Nathan Wildfire: At the end of the day, real estate development’s a risk. You gotta be slightly crazy and have passion to do it. And I get to meet so many people that are doing it. 

    Kim Allchurch Flick: Yeah. And it’s a long game. You’re looking deep into the future, but more and more. And then how are the employees, employers responding?

    And as this is a nonprofit, how is it funded? 

    Nathan Wildfire: Employers, they, I would say they don’t know what they don’t know. They know they have a problem, but maybe they make widgets or they serve drinks, or they teach our kids or they heal our sick. So they know housing is an existential crisis to their bottom line and to their viability, but they don’t necessarily always know what to do about it.

    So it takes time. It takes time to guide them to the levers that. They can pull, right? Sometimes they have land, sometimes they have political clout. Sometimes they can pre-lease units. Sometimes they can just tell their employees about a, an opportunity, whatever it is. You do have to guide them to it.

    But their commitment to this is really critical. ’cause at the end of the day, it’s their people who are gonna live in these homes. So that’s what you said about employers. What was the second part? 

    Kim Allchurch Flick: How is it funded? 

    Nathan Wildfire: Oh, how In 

    Kim Allchurch Flick: the housing fund, 

    Nathan Wildfire: We were very fortunate to have an initial seed grant.

    This was five years ago from what was then Umpqua Bank. After that, almost all of our funding. Has come from contracts that we get with these different cities and regions. I’ll call two of them out or three of ’em out. ’cause they’re foundational. The one was with SEDCOR, who I spoke to you about earlier.

    They went out and raised money on behalf of the employers in Newburgh. And that capital is what’s enabling our project. The Hive Project in Newburgh to move forward. The, we work with the city of Boardman. That’s why I keep. Talking about them. They raised capital for their housing fund and then we helped them manage it.

    And then on the South coast we work directly with CCD and Southern Oregon Coast Regional Housing to be at the service of all those cities and towns along our southern coast. Those types of contracts help us keep the lights on, quite frankly. So we’re always on the hunt for what city or region needs our help.

    What is the employer base that needs our help and who are the innovators that are seeking funding and customers? That’s typically what they want most, right? 

    Kim Allchurch Flick: Indeed. Any thoughts of expansion? 

    Nathan Wildfire: Oh, yeah. So to date we’ve worked across Oregon. We are increasingly being asked to go beyond organs.

    Borders. And I think that is a thing that we are strongly taking a look at the board of directors is because these lessons shouldn’t just be limited to a single state, right? So how do we take our hard earned lessons and capabilities to other places that need housing help? Yeah. 

    Kim Allchurch Flick: I really look forward to that.

    And what else would you like to share with people? And for those interested, how can they reach you, which will also be in the show notes, but it’s a chance 

    Nathan Wildfire: to hear. It’s easier to find us. Go to our website www dot missing Middle Housing. Do Fund. You can also check out more about Hive at Let’s build hive.com.

    You can also email me that’s that same missing middle housing fund, but my name is Nathan Wildfire. You can just send me a note. That would be the easiest way to get in touch with us. Then I think what I would want to leave you with. Is I’ll go back to like, why do we do what we do?

    My, my family I told you already my grandmother had 12 kids. My family reunions are like 70 to 90 people, right? And when you have a family as large as mine, people have pretty much every housing situation you can think of across all the age spectrum and income spectrum. We all have people in our network that have challenges with housing, right?

    Whether it’s your friend or your family or a colleague. We’ve seen it. We had employers in Newburgh who were shocked that when the pandemic began and they were running a food pantry, their own employees were the folks using the pantry the most. Like housing is a burden for too many. And so I would urge your listeners that like all of this policy change or technology or innovative funding streams or training programs.

    They are awesome. They give me so much optimism and frankly joy. But at its heart, this is about a home. This is about shelter. It’s about a place to feel confident and safe and you reaching your potential. Whenever you think about housing policy or change in your community, think about how that impacts your choir.

    Your family, your harmony. Because it does, it just does. It it’s a fascinating subject to learn and innovative about, innovate around, but it’s personal. 

    Kim Allchurch Flick: That makes so much sense. That’s very touching. Thank you so much. I love the Harmony Choir analogy to it as well, because that also makes sense.

    So for the last question, what if you could have dinner with up to three people living or deceased, 

    Nathan Wildfire: who 

    Kim Allchurch Flick: would they be and why? 

    Nathan Wildfire: This is such an awesome question. I love lists. I would rather it be 10 people long, but that’s okay. I will limit myself. So I’m gonna I’m gonna make this a little bit seasonal.

    Actually, no, forget that. I love Teddy Roosevelt. I would love to have dinner with Teddy Roosevelt. He is a fascinating person of his time and outside of his time, and I wish that I could get as much done in a year as he seemed to get done. In a day. He’s one of our country’s first foremost naturalists.

    He was president of the Audon Society, more or less, invented our national parks created national forestry practices. He was a rancher. He was in the military. He was a police chief president. Pretty wild dude. So that’s one. Second there’s an author right now active named Heather Cox Richardson, who is a historian.

    She lives in Maine and I. I just think what she does on a day-to-day basis, connecting present day events to history predominantly of our country is fascinating. It’s so much of what happens in our world has happened before and she’s so good at connecting those. Dots in a way that’s pretty easy to understand and frankly is dispassionate, which I appreciate.

    I love history. You should be able to tell that from my love of Teddy Roosevelt. And I consider her one of the foremost historians of our time right now. So that’s the second one. And then I think my third is my grandma. I’d love to be able to, she passed away but I’d love to be able to tell her.

    What we’re up to and pick her brain about how we could do it better. 

    Kim Allchurch Flick: What a beautiful list. My, my husband has a not so secret crush on Heather Cox Richardson. 

    Nathan Wildfire: Gosh. 

    Kim Allchurch Flick: Let me join that club as ma as many people do. We had a chance to see her when I think it was the Oregon Historical Society that brought Heather Cox Richardson to the Schnitt in Portland.

    And we were there. 

    Nathan Wildfire: She’s awesome. 

    Kim Allchurch Flick: And is Art. Reading her, she knows her history. She is such a good researcher and really talks about how history matters. And it helps us anticipate, it helps us learn. And the way she disseminates her wisdom across history is just I’m with you there. That’s what an amazing list.

    Nathan Wildfire: Can I wait, can I have an honor roll mention? 

    Kim Allchurch Flick: Sure. Of course, 

    Nathan Wildfire: It is spring training and I am obsessed with baseball and I would love, love, love to be able to have dinner with Jackie Robinson, who broke the color barrier for Major League baseball and is just a one of the strongest people I think that ever played the sport.

    He’s also amazing at baseball and I would love to pick his brain about. Modern day, his journey, and I’m just a huge fan, so I’d want to go watch a baseball game with him. I dinner would be ballpark hotdog.

    Kim Allchurch Flick: Oh, what a great note to end on. That’s lovely. Thank you so much everyone. Thank you for listening. What a fascinating conversation we’ve had with Nathan Wildfire of Missing Middle Housing Fund. Take care. Have a great day. 

    This Episode’s Guest: Nathan Wildfire

    Nathan Wildfire headshot. Smiling, and outdoors, with a mountain in the distance.

    Nathan Wildfire has worked in community and economic development for over 20 years, in Pittsburgh, Vermont, and Oregon. He’s passionate about the grassroots and personal connections of community building, and the macro changes possible through creative, data-driven public policy. Nathan is privileged to have learned from incredible mentors through every step of his career. He has been a choir leader, outdoor explorer, and occasionally un-retired volleyball player.

  • Building the Infrastructure for an Equitable Economy with Paul Lovejoy, founder of Stakeholder Enterprise

    Building the Infrastructure for an Equitable Economy with Paul Lovejoy, founder of Stakeholder Enterprise

    Paul Lovejoy, founder of Stakeholder Enterprise and a member of the Social Enterprise Alliance committee, joins Kim Allchurch Flick to talk about his journey toward creating a more ethical and sustainable financial system.

    Paul shares his transformative experiences during the 2008 financial crisis, the importance of building an economy based on nature’s principles, and his innovative ideas for standardizing reporting in investment crowdfunding.

    The discussion also explores the need for universal access to capital, the role of regenerative investments, and the potential for using digital currency to create equitable economic infrastructures.

    The episode closes with reflections on the importance of collaboration, self-sufficiency, and visionary leadership.

    Listen Now

    Time Stamps

    00:00 Introduction and Guest Welcome

    01:17 Paul Lovejoy’s Journey to Equitable Economy

    02:28 Understanding Economies Through Nature

    05:13 Challenges in Funding Social Enterprises

    06:04 Investment Crowdfunding and Crypto

    09:08 Standardized Reporting for Productive Investment

    13:30 Building Infrastructure for Equitable Investment

    21:53 Vision for a Regenerative Economy

    27:12 Global Economies and Local Impact

    28:46 Challenges of Small Investments

    29:49 Making Ethical Investments Accessible

    31:56 Innovations in Eco-Friendly Products

    33:44 The Role of Capital in Clean Tech

    36:09 Economic Injustice and Compassion

    38:17 Universal Access to Capital

    44:30 Hope for a Sustainable Future

    46:31 The Importance of Marketing for Ethical Choices

    48:19 Final Thoughts and Contact Information

    49:05 Dinner with Gandhi and Satoshi Nakamoto

    Kim Allchurch Flick: Hello everyone. I’m delighted to be here with Paul Lovejoy, a friend and someone who I share a committee membership with on the Social Enterprise Alliance. Paul Lovejoy is the founder of Stakeholder Enterprise, the nation’s first community investment advisory firm.

    After navigating the 2008 financial crisis and facing deep personal and professional challenges, Paul began a powerful journey of reflection in renewal. That experience shaped his commitment to building a more ethical and sustainable financial system that truly serves people and planet. So our topic today is building the infrastructure for an equitable economy.

    Welcome Paul. It’s so good to see you. 

    Paul Lovejoy: It’s great to be here, Kim. Thank you for the invitation and I love talking about equitable economies, 

    Kim Allchurch Flick: and that’s an important. Aspect. We are recording this in January of 2026, where daily money is a big topic and a variety of perspectives, and I really appreciate you being here with the topic of e equitable economy.

    And describe to us what your journey has been and what arriving to the idea of equitable economy means to you. 

    Paul Lovejoy: Yeah, let’s take a step back and really ask ourselves what an economy is. And that’s where my journey started in this specific how do we build infrastructure for that?

    So it was the lockdowns, COVID lockdowns just happened and the guy on the TV said The economy we’re shut, the economy is shutting down. And my older son, who was eight at the time, he looked at me and he said, dad. What’s an economy And so I gave him the standard answer. Oh, it’s buyers and sellers markets, resources.

    And he seemed content with the answer, it felt so much more at the time, with it just felt, and I wasn’t satisfied with that answer. I went down a Google Rabbit hole and started looking up definitions of economy. And the history of an economy. And what I’ve found was really shift my paradigm on how I looked at economies.

    Humanity’s very first economy was called a foraging economy. And when I read that I was like, whoa. Okay. I am a human being and I’m forging for what? Mushrooms that don’t kill me, using a primitive weapons to hunt. I’m, and in this forging economy I’m probably starving at some time, and it made me think that I was like, oh my gosh.

    I’m an animal in nature, in a foraging economy. And so that’s when it hit me. I was like, oh, our economy is a natural system. And that reframed everything how I approached and view an economy. Essentially the, when I kept going down this road, I saw that an economy is essentially resource distribution.

    And then I asked, well, how does nature. Handle resource distribution, and that’s when a whole, answers started to reveal themselves. Nature works in layers. They don’t try and do everything at once like human economies do. They’re universal infrastructure.

    Happens before competition. And when you look at nature, you see that every seed gets soil before competing for sunlight. Every organism gets water before competing for other resources. And so it’s allowed me to see that. Oh, okay. So there is a bigger system here and the way human beings are doing it is going against nature’s principles.

    Which is the reason why we’re having all this concentration of wealth, exploitation and all these. So I came up with these five different layers. But here’s the crazy thing. The first layer wasn’t the bottom one that I, that I. Discovered and in fact, I didn’t even really understand the layers.

    The, how I came into this space was I saw I thought businesses were the root problem. These corporations, they’re extractive, they’re for-profit. They have a terrible purpose. And so I went into social enterprise. I joined the Social Enterprise Alliance where, you know, you and I, Kim, we were on a committee.

    And I thought, okay, if we can get companies with a different purpose, instead of the purpose being maximizing shareholder value, what if the purpose was to solve social or environmental problems? I was like, okay, this is a solution. Regenerative businesses, this is what we do.

    Social enterprise. Okay, so I am all in on social enterprises, and then I see that, oh, they’re not getting funded. Oh, this is a problem. We need to fund these social enterprises. So this is when I started to get more into the investment space. And this was 2017 or so when I started getting in the investment space and 

    Kim Allchurch Flick: And 

    Paul Lovejoy: really understanding oh, okay. How do we fund social enterprises? And the really only way to fund social enterprises was through investment crowdfunding, because you can’t invest in a social enterprise on the stock market. It doesn’t exist. So I was like how do we fund these social enterprises?

    Okay. Investment crowdfunding, it’s the only way the public can actually fund a business. That creates value. So it’s so then I was like, okay, this is great. I found a way to fund social enterprises, but then as a financial planner, I’m seeing in my inbox all of these notifications about crypto currency planning for your financial your financial advisory practice.

    And I was like, crypto planning. And I started looking into crypto and I saw that Bitcoin gets better returns, just speculating. So essentially you’re putting your investment dollars in Bitcoin. And it just stays there. There’s no value that’s being created but your money is appreciating 25% a year in Bitcoin versus a productive investment in a social enterprise where you can generate 10.

    15, 20% returns, you can probably not more like 10%, which is something I’m doing regularly. You can’t compete 10% with a 25% at Bitcoin. And so I was like, oh. See what you mean? 

    Kim Allchurch Flick: Yeah. 

    Paul Lovejoy: So there’s a different problem. It’s not just investment into social enterprises because people aren’t going to invest in social enterprises when they can.

    They can just put their money in speculation. And then that’s when I really realized that’s not even the deepest problem. Our entire public market is based on investment market, is based on speculation. So consider this Kim. There is $43 trillion in retirement accounts right now. That’s all capital that is.

    Speculating, it’s not being used for productive investment. Instead, when you in have invest in the stock market, you’re trading ownership papers. You’re saying, I own this company and I wanna buy this other company because I think it’ll be more valuable in the future. You’re not taking your investment dollar and saying.

    Okay. Hire, 10 more people for your social enterprise so you can serve your community better. It’s not saying, okay, I’m gonna fund this community kitchen that’s going to do classes and provide all kind of value to the community. That’s a productive investment that’s not happening with 43.

    Trillion dollars, and here’s the crazy thing. We’re in our poli political system, we’re arguing over how we can allocate our tax dollars. Meanwhile, the capital that we actually do have control over, we just let Wall Street decide whatever we want to do with it. That $43 trillion.

    We have control over our retirement accounts, but we don’t know that we can use it for productive investment. So I was trying to bring in people into this productive investment and I realized that’s never gonna work. That’s never gonna work. What I need to do is bring the productive investment to the retirement capital.

    So that’s when I, realize that there needs to be standardized reporting within investment crowdfunding. So I’m getting a little bit ahead of myself here, but essentially everything I just said in the story describes a different layer in nature. And I have for the listening audience, a complete breakdown of the framework I just talked about.

    So it, it provides a visual to see what Layer does and how it affects in our economy and what’s broken about it right now. So I’ll give you, I’ll give you an example. At the very bottom layer is I call store of value. Okay, so in nature, this is the soil, water, air, sunlight, the foundational substrate.

    This is universal access for all organisms and resources cycle back through decomposition, supply adapts to ecosystem needs. Now in our current system, we use US dollar or gold as the store of value. Now, US dollar violates conservation principles because we can print it infinitely.

    There’s there’s no there’s no conservation print. It’s infinite. And that doesn’t. In nature that doesn’t exist. And the other store of value that humans have used is gold. But this violates lifecycle boundaries because of perpetual accumulation. It, you never can ha someone who has gold as the very first base layer they’re gonna get that it’s only gonna accumulate over time and create dynasties.

    And so that’s the problem with the store of value. Our layer, first layer. Now in a, that seems to mean 

    Kim Allchurch Flick: wow. 

    Paul Lovejoy: Yeah. In a regenerative model, we’re talk, we need to have universal capital substrate. So a store of value with lifecycle boundaries fixed apply with dynamic adaptability.

    In other words think of an island. Let’s say water is is that store of value, okay. Water. Now, on some in through earth there, there’s the same amount of water that there’s always been on planet Earth, but it changes through climate. So when it’s very cold, the water levels will decrease because it all freezes and the island all of a sudden gets more land.

    Now, when the, when it changes, then and the planet heats up the water rises. And so now there is less land, but it’s still a fixed supply that’s dynamically adaptable. So I know that. It’s probably a little bit complicated, trying to say this. But essentially we need to have a store of value that mimics.

    Our natural systems and we don’t have that now. I have on my own put out a proposal for a universal collateral token with 125 year lifecycle, a population responsive supply where everyone receives one token at the age of 18. So anyways that’s the infrastructure part that, that we would need.

    So I know I’ve been talking for a long time here. You probably have some questions, so I’ll stop now. 

    Kim Allchurch Flick: I’m enthralled and I, my knowledge of economics is minuscule what I hear in the news, listening to economists speak. But what comes to mind is. The thing that I’ve heard most is if you get 10 economists in a room, you’ll get 10 different opinions and that makes it difficult to understand economics and what you’ve done is for the first time really bring some clarity to the origins.

    Also what that can mean for our future if we think of economics as, dare I say it, but perhaps a force for good and. And how to think of it in those terms. So what does that look like moving forward as you’re creating this? What kind of are you, what kind of response are you getting? How far has it gone?

    What, yeah, what does the journey look like? 

    Paul Lovejoy: So I’ll tell you a little bit about this year. So at March of this year or the last day of February of 2025. I finished a experiment where I made one micro productive investment every day. For 366 days straight. All right. It was a this challenge, this experiment I did, and the average investment amount was about $30 a day $12,000 total.

    And I wanted to show, demonstrate that productive investment can beat Wall Street, and by the end of the, year I had hundreds of investments with loans that had different terms and each platform had different ways of reporting the, these returns and terms of service. So it was impossible for me to.

    Track all of these loans without manually going into a spreadsheet and adding every single payment. I went on a webinar the Crowdfunding Professional Association. They had me on a webinar to talk about this challenge. And I mentioned this and I got a email from someone who watched the webinar saying I’m having the same problem.

    I have hundreds of investments. And I don’t know what to do. So we got together and we started talking about it, and over the summer we came up with an idea of what if all of these investment, these crowdfunding investment platforms, all had the same export where you can download a spreadsheet.

    With all your investments, but it had the same format, the same columns, so the columns were all the same. And the payment schedule, it was all the same. How it would, and that way we could actually calculate our return and we could track our portfolio across dozens of platforms and we’re like, oh, this is a great idea.

    And then at the end of the summer I met with an institutional wealth manager manages 2 billion in impact capital. And the conversation was how come, how come, institutional capital really, in this retirement capital, how come it can’t get into productive investment?

    And his answer was immediate. He was like, oh, it’s standardized reporting. We can’t put money into this if we don’t know what kind of returns we’re getting and there’s no way to report it. And then I didn’t really put the pieces together. But all of a sudden that this standardized CSV down download spreadsheet was looking a lot bigger.

    All of a sudden we’re like, oh. And then a few months later I met with a colleague of mine who we’re we’re judges on a live pitch show together, and he has a fund in regulation crowdfunding in but he invests just in the equity deals, meaning there’s, it’s not loans, so there’s no need to really track consistently.

    And I was asking about his fund structure because I was considering starting a fund and but one with income and he said, well, it’s all about our, the standardized reporting of Form C, which all regulation crowdfunding companies need to provide data on their business, basic revenue and debt kind of stuff.

    And so that was the ba and that, that’s when it clicked for me. I was like, oh, so he bases this fund on the standardized reporting of regulation crowdfunding. If I. Had a fund that standardized reporting for the the loans and the, these other investments. Then I would be able to take it to retirement capital.

    So it kind, I lit. So what I did was. All of a sudden I can create a fund that retirement accounts can invest in by building rails, allowing retirement capital into productive investment markets. So I took this standard, I brought it to our professional industry a trade association, the crowdfunding Professional Association to get official backing.

    They love the idea. We’re in the process of doing official backing right now. I reached out to the top four. Crowdfunding, investment crowdfunding platforms that do these types of loan type investments. 

    About the, they all replied, they all answered, genuinely interested in doing this. So that’s where I’m at right now.

    Building actual infrastructure to bring in retirement capital into productive markets where social enterprises can get the funding they need.

    Kim Allchurch Flick: This is so exciting and it sounds like a first and a necessity for a brighter future for support of mission driven companies who are making strides in the world. So what do you see as the timeline, or what is your timeline for accessibility to this? 

    Paul Lovejoy: That’s a great question. It’s building infrastructure takes time.

    And I’m currently looking for partners to help me build infrastructure, my own advisory practice. I help inheritors who are struggling with or who have gone through, who have done the work. 

    Kim Allchurch Flick: Who 

    Paul Lovejoy: want to take the inheritance that they may feel has been gained by extractive means and use it regeneratively.

    And so that’s, those are the people who I am partnering with currently, to take on as advisory clients to help build some of this infrastructure. The timeline, it’s gonna take some years, but I would expect that. The standard, the CSV downloads standard can be adopted by the top four investment crowdfunding platforms.

    At the end of the year official adoption and the crowdfunding platforms. Now, this is me just speculating at this point, but this is what I see. This is what I envision. And then the following year I would build up the fund based on this tracker of and the data that I get from having this, these new, spreadsheets and, so we’re looking at about, I would say, wouldn’t it be a huge stretch that in five years I could build a fund where let’s say Vanguard or State Street or BlackRock can actually be able to invest in, and those are the ones that are managing retirement accounts. They’re already doing crypto kind of stuff. I don’t see why not productive investment in social enterprises. Why not have an ETF for that, and why not be the ones that build it? I’m not gonna be able to build this alone. That’s why I’m asking for partners.

    And makes sense. If anybody wants to download the asset that I’m offering, you could see maybe. You see a partnership opportunities in one of the layers. 

    And I, I would love to collaborate to get this thing built. 

    Kim Allchurch Flick: It sounds timely as well. We’ve heard of green funds and things of that nature.

    One question I have for you also is donor advised funds, because you mentioned people who are inheriting. And I don’t understand fully how those work. But I’m curious and it seems like the potential is so great, but also the other point, which you brought up in the beginning is the need that often like small to middle sized social enterprise companies and particularly, and I’m gonna reflect on what I’ve seen in the Oregon area is those who are run by women.

    Minority groups, L-G-B-T-Q are often even more underfunded than other social enterprises. That’s, and how can we make it ethical and equitable? 

    Paul Lovejoy: Yeah. That is the ultimate question from my point of view. It’s not about fixing a broken system. It’s about building alternative infrastructures based on nature’s principles.

    I love it. And that way, it can be done legally, ethically, and without confrontation. We don’t need to fight for it. We just need to build it. 

    Kim Allchurch Flick: Yes. And have the tracking mechanisms and the reporting 

    Paul Lovejoy: we, yeah, that’s right. And those donors advise fund, they need standardized reporting too.

    All of the institutional capital needs standardized reporting. And so this is, it is a big deal. The thing is that there’s no money in this. To actually build the standardized reporting. I see a future for me to build it, not just because it’s going to build rails for production, but it’ll allow me to have a fund and that’s how I can make money.

    And there’s, there’s lots of layers within the layers. It’s good that we’re talking Kim, because it is hard to articulate. Something so big as an economy and so big as nature. It’s good that we’re having this conversation and, allowing, how to give this message, how do you, how do you do that?

    How do you, say this message where people will get it and wanna help build. 

    Kim Allchurch Flick: Absolutely. And being visionary can be difficult to articulate, and I think you’re doing a really interesting and good job of it with that, those layers. But it also brings me to, Robin Wa Kim’s work and her books where she talks about extraction as being bad, but reciprocity as being good and how those economies of the First Nations peoples were.

    Really equitable and good. And she has a story in her book that talks about how and when white people came in and we’re looking at how how the First Nations people did things and they say, where do you store your food? And the people said, well, we’re Hunter, we’re gatherer. I even hear this in these times in I’ve heard some some chiefs speak about.

    How they’ve lived on the reservations and when they had more of, their natural land. They said, we didn’t think about storing things. He said, I if I kill an elk and my brother is picking carrots, we store it in the belly of our brother because it’s reciprocal and also about not being extractive, which really resonated with me.

    A lot that there is a huge difference between reciprocity. We can take and yet be reciprocal and do things that give back to, and help make the land and other people and other species healthier with some balance. But to not store something as much as to share it because everybody thrives and it’s like storing something in the belly of your brother.

    And I think what you’re talking about is. Storing money in the belly of social mission driven companies. 

    Paul Lovejoy: That’s right. Yeah. You’re absolutely right, Kim. I think that’s a great way to say it. And a great framing for it. And reciprocity is cyclical, that’s nature. Yes. And indigenous tribes, first people.

    That’s how their economies operated. It worked with natural principles. I think with the technology that we have today with the internet, it allows unique distribution that couldn’t possibly exist before this technology. And that’s what. An economy ultimately is, is resource distribution and having an internet that can distribute so easily.

    And not just that it’s also the governance aspect of it. Those First Nations tribes, they didn’t, you said, they didn’t say, okay, we need to kill this many Elks, or like a chief said that to ha no. If one brother he needed food, they would kill. They, it was done by, living within the ecosystem, you feel the demand pulling from the ecosystem.

    So you did it, it wasn’t a chief saying, okay, we need to kill three Elks this year. That’s also something that the internet is allowing, it’s allowing for decentralized cooperation where, we can put. Our money and essentially, voting with your dollars. We could vote with our dollars through these investments into social enterprises to shape how the future wants to be, and we don’t have those votes right now.

    What we do is we let Wall Street dictate where all this money goes. And what does Wall Street do? They put all that money in extractive corporations. No wonder our life is like this. That’s the way, wherever we want to have our future, that’s where we need to move the money. ‘Cause when we control where the money flows, we control what gets funded, what gets built, and what thrives.

    Kim Allchurch Flick: That is such a good quote. How you want to have your future is where to put the money. I’m writing that down. What? I think about the world of social enterprise and B Corps and B Lab, and a lot of focus is on local, which is super important. And yet we live in global economies, and you and I are speaking from different time zones and different states, and yet there’s a commonality here.

    So in a way, local in some ways has become larger and. It’s still super personal and important. And as you see this in the future how do you see two things. One is there, there will still be people who have 4 0 1 Ks that have historically been mutual funds. If they can self-select, what could that be?

    But also a lot of small to medium businesses where. It’s very local, very grassroots. People are earning, but it’s not as structured or they don’t have the 401k avenue for building wealth. And we also know that there are people who have no generational wealth. So they are looking for opportunities to begin that for their future and their family’s future.

    And you mentioned also investing $30 a day. What if it was $30 a week or even $30 a month as a start, how do you see small being able to start to go down the road that you’re suggesting that’s good for their pockets, but also good for the planet and mission driven businesses. 

    Paul Lovejoy: From what I’ve discovered from my own work, it’s really difficult to try and get anybody to commit to any type of investment routine.

    Even a small one. It’s incredibly challenging and it’s not something that I’m gonna be focusing a lot of time on is trying to get. People to commit to investment habits. Yes, it’s so accessible. It’s never been this accessible to build wealth ethically. It’s never been with very little you $10 minimums.

    I can invest $10 a week, $10 a month. And something that, like in a community solar project, in a small if you want to contribute $10 to a $30,000 small business loan for a new oven, you could do that. The loan will be 11%. Paid monthly. That’s a good, that’s a good loan to have a good it’s mutual benefit and it’s incredibly easy.

    What’s difficult is doing that consistently, every week doing that. And so what’s lacking? Are auto investing mechanisms, and it’s just it requires so much effort for even a smaller person to come up with their financial plan and then to hire a financial planner that’s also expensive.

    If you are a do it yourselfer, you could, you can absolutely build wealth ethically and invest in. Things that actually create value and see it. You could see I was a part of that, it’s pretty beautiful to, to see that. But it’s not easy. So that’s the real, that’s the real challenge, and that’s why I think it’s so important just to if someone’s looking at their 401k option, like, oh, you know what?

    I wanna be in this. A fund that does productive investment in social enterprise, just like a box to check. That’s the only way things are gonna change. I, that’s the way I see it. Trying to change behavior. The, that’s why I was talking about, it’s not about fighting a system. It’s about building infrastructure that makes the ethical choice not only the obvious choice, but the easy one.

    I love that. Yeah. It’s like, I’m not gonna try and convince you that you need to stop using plastic. Instead, I’m gonna make an investment in a company that does plant-based plastic, and they do it so good, it’s gonna be much cheaper than petroleum plastic. And then as a consumer’s like, well, I’m not gonna buy this expensive plastic.

    I want the cheap plant plastic. I’m not, I didn’t have to convince that person to stop using plastic. I invested in the alternative that made it the easy choice. 

    Kim Allchurch Flick: Oh, I love that. I love that. And I think we’re both seeing industries that are, and this is where I put a lot of my hope in the innovators that are doing that.

    And there are options that are we have now that we didn’t have even five years ago. And there are options coming that we don’t even know about. And to that point I’ll tell you a brief story about, I decided after Costco’s my husband’s happy place, but the laundry soap for two people, five gallons or whatever it was.

    But I decided I really wanna look for eco-friendly plastic free cleaning supplies and laundry. And I did an experiment where I found three companies at the time. Now there’s five or six even. That met that search requirement and I ran an experiment where every load of laundry and the trick is unscented, otherwise people will know there’s something changing.

    And all right, each load was with a different brand, including the Costco one, as I was trying to empty that five gallon plastic bottle and nobody noticed ’cause it was a secret, but I was running it through for quality control. And in the end I said, okay, I’ve emptied this five gallon plastic jug, and meanwhile there’s these disks that are plant-based and the packaging has zero plastic and I can keep it in a glass jar.

    Or the tin that they can provide takes up like a 10th of the space. The laundry’s just as clean because nobody said, Hey, this doesn’t look clean in six months of trial. Now I have zero plastic in cleaning and laundry because of innovators. 

    Paul Lovejoy: Yeah. 

    Kim Allchurch Flick: And then, wow, if we could invest, which companies would we wanna invest in?

    And he still goes to Costco, but there’s one, there’s a few items that don’t go in the cart, cleaning and laundry. So I think we can all do things like that, but I also think bringing it back to you and money is. I also see, like with incubators, and there’s a couple in the Northwest that are like incubators for clean tech that are coming up with some amazing things.

    But these companies aren’t gonna get off the ground without capital. So when we look to the future and some of these people are. Great problem solvers. They’re doing things like making plant-based, no plastic cleaning supplies, but taking it to other products or services or industries. And how do you envision the future where your money and how do we make that connection where the money you’re talking about and the thing, ways people can work with your system to support innovation as well as existing.

    Good companies so more and more of us can make a switch. ’cause the other thing I noticed was the cost differential. It’s about the same. I didn’t spend a whole bunch more, maybe a little bit, but not a lot more to transition to get the same result. 

    Paul Lovejoy: It sounded like that company needs to get more funding for marketing so they can get bigger, we’re talking about the same price, same everything.

    Consumers will pay a little bit more for an ethical choice. But it’s only it. You’re not gonna get widespread adoption unless you have really good marketing. And indeed, you need investment. To get marketing and and I see that all the time in these small business capital markets I’m in.

    The ones that get the most funding actually have the the most marketing behind them as well. Whether it’s a direct outreach marketing, but it’s, it takes marketing to get funding. So that’s, that is one thing that’s gonna need to happen is a simple, well, you’re right. It, it comes down to capital getting that.

    And from what I see, it’s a, the retirement capital 43 trillion. I mean, a 1 trillion is a thousand billion, and a billion is so much, it’s so crazy how much money that is. If you really think about it, if we only had 1 trillion outta that 43 trillion. What kind of land, how different would our landscape be?

    Investment landscape would be, businesses getting funded. It would be a night and day difference. And. And for me, I, I know I do want to a address and I you kind of brought it up a little bit. The suffering that people are going through, there’s real suffering that’s happening right now because of the economic injustice that’s playing out.

    Sure. And I have compassion for the people that weren’t born into a situation where they can, they have the same opportunities for economic growth. And I have compassion for the people that lived in the past that was even worse than what it was today. Imagine being living in a futile system, and you’re a surf working the land.

    I mean, that was awful. And I have compassion for the people in the future that will suffer because. It’s not gonna change quickly. This is gonna take time. It’s gonna take building, it’s gonna take yes, intentionality to really make it. And it’s gonna take a collaboration of people that don’t necessarily agree with each other.

    And I think that’s also gonna take some forgiveness and looking at a big picture of of modeling successful stories. I think, and that’s why I think it’s important that we work with the Social Enterprise Alliance because these are organizations that do exactly that.

    It collaborates it, it may not be the quick fix that everybody wants, but it’s how we. Come together and use our collective intelligence to solve problems. So we alleviate suffering. So there’ll be just continuing this arc of less suffering. I think we can accelerate it greatly by switching simply from speculative investing into productive investing.

    Just because all that money is literally doing nothing, it’s not. Helping our economy at all. If it is, it’s only helping an elite part of it. And, they say we’ll trickle it down, but that never happens, that’s a myth. It’s more about being a grassroots ground up and creating the conditions for change to happen.

    I think if we want to have. Economic equality and equitable. It starts with that first layer. It starts where everyone has a universal access to capital. Some sort of digital token that we all can use as collateral to start a business, to to buy a first home. We need to have that ’cause that’s how nature works.

    We all need to have that starting point. Not, I’m not arguing for equal outcomes, equal starting points. And I think that first step to getting that is this digital currency, it’s not a currency. It’s a digital store of value where we can build fair distribution currencies on top of it. I know I’m kind of getting lost into a different thing, but I think we need to start where at the very beginning, yes.

    We all need to have access to capital. Why not make it universal? That’s what nature does. 

    Kim Allchurch Flick: And why not make it purposeful? Like purposeful? Yes. And what a beautiful thing to think about. As you talk, I think of some things I’m optimistic about and that is like moves by for instance, the state of New Mexico to give universal childcare to everyone in the state at no cost and new.

    Newborns get a certain amount of money. Wouldn’t it be great if some of those things were nationalized, that it gives a place for money to sit and grow and people to think about future use of that, future impact of that money, how to, and hopefully along the way. And I’d really like to see this is more economic and like really grassroots down to earth.

    Savings education, starting with kids. 

    Paul Lovejoy: Yeah. 

    Kim Allchurch Flick: And play with it. Gamify it. But there are so many people who don’t understand the value of saving. Not because it’s their fault, but because the seed’s not been planted and they’re not able to see that. And, and lucky people that even though I was in corporate life and I.

    It burnt me out and there were goods and bads. Having a 401k is a really remarkable thing, and 

    Paul Lovejoy: yeah. 

    Kim Allchurch Flick: And there, but now I’m looking back at it and saying, but it was all mutual funds and I tried to choose wisely for the planet, but there weren’t that many options. If I could go back and do that now and have a 401k, I would be like right down the road with you and say, okay, how can I put my money into something that’s gonna be productive and do some good for the innovators and the social enterprise companies at the same time?

    And a lot of people do good work and have no vehicle like that for savings, so they have to be more independent. So I think what I’m optimistic about is as you build this, that hopefully it will create a vehicle and a structure for people to think about it that way. 

    Paul Lovejoy: Yeah. 

    Kim Allchurch Flick: And but also for those businesses to receive.

    Paul Lovejoy: Yeah. To 

    Kim Allchurch Flick: give, but also receive. And I do believe that’s the genius of what you’re bringing up. 

    Paul Lovejoy: Oh, thanks Kim. I appreciate that. I love doing this. I, it’s something that makes me feel good. I am excited to wake up in the day to work on these types of projects and. I think what would help a lot of people is to give yourself some compassion when it comes to just, whatever you’re doing.

    If you like Kim, you know you had mutual funds and you maybe feel a little guilty. You didn’t create the system, this is what you were told, that this is responsible financial practice to have a 401k. Nobody told you that. That’s, that, that’s gonna be in speculation. It’s not gonna be in productive investment.

    And just nobody ever taught these the people about financial literacy, as you were, you’re saying it’s the same thing. So we need to have compassion for that. And if we look and we compare it back to the first people, indigenous folks, well, saving up or, financial literacy, that’s like hunting and gathering skills for modern people.

    And in the indigenous, you had the community. They all taught the next generation how to do that. No one’s teaching this generation because this is all brand new. All of this is all new. An economy, and I mean if you look at it historically and how long humans have survived, it’s a historical aberration, this mainstream kind of finance concept.

    Working with nature that is. That’s normal if you look in a historical context. And yeah, we’ve, we stepped away from that nature. But I think there, you’re right, Kim, there is a there is a real sense of change that’s happening and awakening of like, oh my gosh, we are living against. Na nature’s principles and the pollution and climate change and people get it.

    And so that’s brings me hope that yes, there is this change. And I have compassion. The, the world still does, being from the United States, oh, you’re an American, you’re responsible for this. I give my comp, I give myself compassion when someone says that to me. I’m not responsible for that.

    Okay. I’m doing the best I can. I vote, I do what I can. But I don’t have to feel bad for what America does and because that’s just gonna take up my mental bandwidth when I could be thinking about building infrastructure instead. We don’t want to get sucked into these vortexes of despair or get, oh, what did Trump say?

    That takes away precious mental bandwidth that I would, I don’t think is helpful or healthy for anyone to be going down those rabbit holes. Trying to hold someone accountable. Here’s how you hold someone accountable and validate their legacy by being the change you wish to see in the world.

    Kim Allchurch Flick: Oh my goodness. Yes. Thank you for that. And with that also, what makes you optimistic? 

    Paul Lovejoy: Well, just seeing Kim, I am being in these small business and startup productive markets. I am literally. Looking at the hopes and visions of dreams of other human beings every day, what, how they envision the future and when people are in that kind of creative mindset.

    It’s so hopeful. I see a world where there is no more fossil fuels because of this technology. And it’s very hopeful to be a part of and it makes me also realize how many. Good people are working on this and there isn’t really one person saying, Hey, we need to fix the world.

    It’s everyone contributing, doing their own part. You’re doing your part with this podcast. It’s so cool to see, like when you see like everyone independently deciding. We’re gonna build this. And it’s these moments of clarity that we have where we’re no longer stuck into this kind of conflict and blame and like, oh my gosh, we need to hold these people accountable.

    When we have these moment of clarity where we’re like building, that’s when we come up with these ideas to, to be helpful to create the next product that’s going to replace plastic or what, whatever you ha

    Something that will eventually happen. Eventually there’s gonna be a free energy.

    I don’t think that’s, and if it’s only when, if you see what they’re doing with cold fusion, what I’m seeing, in these investment markets, it’s my I don’t see it as a big shock that we’re, the planet could have free energy 50 years from now. The landscape of reality I don’t think.

    I think we’re so in this moment where it’s so much transition and change happening that it’s really weighing down on people. And I think it’s important for you and I to say there is hope. 

    Kim Allchurch Flick: I agree. And I’m gonna bring it also back to a statistic that you brought up in the beginning. And for me it, one of ’em comes from Nielsen is.

    It was around 2014 even that they said that two thirds of consumers globally are willing to pay more for products and services when they know a company has good values and sometimes we don’t even need to pay more. Yeah. And with millennials it was 73% and then you brought up marketing and that’s always been the dilemma that I wanna work in and help companies is.

    As a company, your customers are in that two thirds, whether you’re B2B or B2C, they’re out there. How do you make that straight line between two points and it’s marketing and it’s benefit reports and it’s being authentic to your claims and being clear about that? It really helps, and certifications and verifications help as a directory.

    As another search part, but even without that, we’ve gotta get the messages out. So I love what you said about that, and this whole thing is so future forward that it gives me optimism. And I do see places where people really are working toward the end that you’re talking about. There’s the innovators, there’s.

    More and more investors. And the other thing is the nod to the Social Enterprise Alliance, which we are a part of. And what is also exciting about them is the education that SEA puts out. It’s social enterprise alliance.org, but there are coffee chats and webinars and blogs, but also the membership that grows a community that is talking about these things.

    So we also start to create a more circular communication system, hopefully. And if people, they say people need to hear things seven or eight times to really remember and take action now. Let’s keep talking. 

    Paul Lovejoy: Let’s keep talking. I agree. Yeah. 

    Kim Allchurch Flick: I think this is delightful. Is there anything else you’d like to add in addition to please tell people your website.

    And how you Yeah, you 

    Paul Lovejoy: can learn more@stakeholderenterprise.com. Feel free to reach out to me on LinkedIn where I’m very active. Yes, you are. It’s LinkedIn act slash Paul Lovejoy. And those are probably the two best places to. Interact or get to know me better. You can also just email me.

    I’m open. It’s Paul dot lovejoy@stakeholderenterprise.com. You want to, you collaborate on one of these infrastructure projects. Let’s do it. 

    Kim Allchurch Flick: Absolutely. And for listeners, everything is also in the show notes and the download. And now we come to our final question, and this is the random question about if you could have dinner with anyone living or deceased up to a table of four.

    It could be one person, two people, or three people. Who would that person or they be and why? 

    Paul Lovejoy: Like the person who I model myself after this may seem odd is Gandhi. Because here you have this slight, tiny little fellow in some robes and he has the ability to get entire empires to listen to him 

    and 

    he was able to do that.

    Not with protesting. He didn’t, he wasn’t a protestor. He was an economic systems thinker. When he saw what was happening with India, he just said, Hey, let’s not buy clothes from the Empire. Let’s make our own clothes. Let’s be self-sufficient. This is the ultimate way of resistance is self-sufficiency.

    And what I, this is why I would love to talk to Gandhi about his self-sufficiency, because that’s what I’m modeling. What I’m trying to do is build an alternative. This is self-sufficiency. So we don’t, right now, we’re dependent on the extractive system for our survival. We’re dependent on that.

    And if we need, we want to escape, we need to be self-sufficient on regenerative economy. So I would love to talk to Gandhi about like, Hey, how can we do some of this also? But at the same time I would wanna know. More about digital currency and and crypto. So I would love to be able to talk to Satoshi Nakamoto, the anonymous person who wrote the Bitcoin white paper.

    Nobody knows who he is. But I would love to like, who is this guy? Because when you read his white paper, it is very different than what. Bitcoin actually became, so it’s very, oh yeah, it’s very different. So I would love to, to really get to know more Satoshi Nakamoto or whatever his real name, and I’m sure there are others, but I think those are the two people who I would wanna talk to where philosophy meets technology.

    ‘Cause that’s where I feel like I’m, I really love the to be is where philosophy intersects with technology and finance. 

    Kim Allchurch Flick: I love that and I think that’s very future forward, but yet resonates with the past, and that’s, there’s some wisdom in that. I appreciate this so much. Thank you Paul Lovejoy for being here.

    Everyone. Thanks for listening. Signing off and wishing you well. Thank you. 

    This Episode’s Guest: Paul Lovejoy

    Headshot of Paul Lovejoy.

    Paul Lovejoy is the founder of Stakeholder Enterprise, the nation’s first community investment advisory firm. After navigating the 2008 financial crisis and facing deep personal and professional challenges, Paul began a powerful journey of reflection and renewal. That experience shaped his commitment to building a more ethical and sustainable financial system that truly serves people and planet.

  • Transforming Investment Strategies: A Scientific Approach with Corey Kaster of Inbundance Wealth Management

    Transforming Investment Strategies: A Scientific Approach with Corey Kaster of Inbundance Wealth Management

    Corey Kaster, founder of Inbundance Wealth Management, joins Kim Allchurch Flick to share his journey from being an insurance broker with Farmers Insurance to becoming an independent investor coach. He discusses the pitfalls of traditional investment strategies, often rooted in speculation and prediction, and presents a scientifically-backed alternative focused on long-term growth based on 50-70 years of research. Corey also emphasizes the importance of aligning investments with personal values and educating investors on the hidden fees and misinformation rampant in the industry. He highlights the role of B Corps, such as his own, in promoting ethical business practices and contributing to the community. The conversation touches on various aspects of financial literacy, including the significance of teaching investing principles to younger generations.

    Listen Now

    Time Stamps

    00:00 Introduction to The Mighty Measure Podcast

    01:03 Corey’s Journey into Investment Coaching

    02:15 The Birth of Inbundance Wealth Management

    03:47 Understanding Money and Investment

    06:05 Challenges in the Investment Industry

    09:53 The Importance of Values in Business

    22:50 Educating the Next Generation on Finance

    24:39 Volunteering and Financial Education

    24:52 Investing for Entrepreneurs vs. Employees

    26:14 Transforming the 401k Industry

    28:39 Understanding Investment Strategies

    30:33 Ethical and Impact Investing

    34:47 Donor-Advised Funds and Charitable Giving

    36:31 Core Values and Client Alignment

    38:14 Optimism and Positive Mindset

    39:42 Final Thoughts and Contact Information

    43:49 Building Large Companies with Strong Values

    Kim Allchurch Flick: Hello everyone. i’m Kim Allchurch Flick. I welcome here a wonderful person that is so interesting about money, and I’m gonna let him introduce himself, but Corey Kaster is here and basically.

    Corey brings 20 years of experience to his role as an investor coach, helping people eliminate speculation and gambling from their investment portfolio. As a certified B Corp benefit corporation for good and 1% for the planet member business and Inbundance wealth management is committed to business as a force for good.

    Corey, welcome. Yeah, thank you. Please. Thank 

    Corey Kaster: you. Kim, 

    Kim Allchurch Flick: please tell us a bit about yourself and what has your journey in this sector, in this life and money and B Corps been like. 

    Corey Kaster: Yeah, so well, 20 years is a fair journey. Where I, how I first got into this industry is I was recruited by Farmer’s insurance.

    So I actually started mostly on the insurance side of things, auto, home life, all that kind of stuff. And they encouraged me to get my investment license and, which I did, but I didn’t really do much with which I’ll loop back to later, but it was mostly because. Anytime I started to do some digging into the investment side of things.

    Nothing really added up. So I kept my license. Fast forward to 2019, I left Farmers to go independent, so I became an insurance broker with access to multiple companies instead of just farmers, not only for my own business, but as much for my clients. And then in 2022 advisor invited me to a two day event that she had.

    And she said, come to this two day event at the Sheraton Portland Airport. And I thought, that sounds very boring, but okay. And that two days rocked my world and changed my whole career direction. So the first day, we talked a lot about money and scarcity versus abundance and how money exists in language and our money beliefs from childhood.

    And all that kind of stuff. And then day two, they started to pull the curtain back on the investing industry and really put some data behind all these suspicions that I had about the investing industry, and also revealed that there’s an alternative way to invest. That’s all based on scientific research that’s back tested for 50 to 70 years.

    So that’s where Inbundance Wealth Management was born, was out of that two days. Knowing that if I had had that information 20 years prior, I probably would’ve been able to help a lot more people. So we still do all the insurance stuff, but we focus on educating people that there is a scientific way to invest.

    Kim Allchurch Flick: Wow. And what a clever name. 

    Corey Kaster: Yeah, it’s one of the things I love mashing words together just ’cause it’s fun and it’s unique. So that’s how Inbundance came together. Insurance investments, inspiration and abundance. 

    Kim Allchurch Flick: Indeed. In the entrepreneur world and company startups, we hear about investing all the time and it seems like there’s always some potential good.

    Some dark side. And what are your, what’s your take on the importance of money as a B Corps and a benefit corporation for good? 

    Corey Kaster: Yeah. Well, money is one of those things where, as much as we try, or some people may try to ignore it or put it in a silo in their lives. It’s the thread that weaves through everything in our lives, whether we like it or not.

    Having that conversation around how we view money, I feel is one of the most powerful conversations we can have. So the investing side doesn’t just become, I want more which can be really prone to fomo and chasing returns and getting on the next fad or crypto or scheme, that sort of thing.

    But. One of the things we focus on is helping people develop a purpose that’s greater than just having more money. What do they actually want to do with that as a tool? And then as a business owner, the, I became a B Corp, oh, I don’t even know how many years ago, but it was one of those things where one of my clients was a B Corps and just said, wait a minute, why aren’t you a B Corps?

    And I said. I don’t even know what that is. So, because this was many years ago, and then he’s like, well, you should go get certified because you’re already living the values. And so it was somewhat easy to get certified just because I just had to basically prove what I was already living and then also join 1% for the planet just because.

    Like one sort of hierarchy of needs. Saving the planet, I think is the base level. Sure. And our biggest charity that we contribute to is Charity Water. So getting sustainable drinking water systems to communities that don’t have access to it. And so I think like having a, an empowering context around how money works and then having a purpose for money.

    Can profoundly impact not only how you invest, but how you look at life in general and how you make your investing decisions, how you make your purchasing decisions, what charities you support, all of them. 

    Kim Allchurch Flick: That’s so fascinating. What what are some of the obstacles that you see for your clients and for you?

    Corey Kaster: Yeah, so the obstacles for clients are. There’s a lot of misinformation in the investing industry. I say misinformation generously. There’s also just a lot of lies out there. The core class that we teach is called dismantling the myths of investing, and we actually go over the four key lies that we argue this investing industry is built on, and then the data behind why we believe their lies.

    And a lot of it just comes down to a core message from the traditional investing industry that. The success of your investment portfolio has to be based on some sort of prediction of the future, and so there’s a lot of movement of money moving from fund to fund buying the next hot thing. There’s this constant churn and no real plan.

    And then often when we audit portfolios, what we see is what we call a Frankenstein portfolio. It’s just been basically pieced together year after year. And the result is when we actually look at. Actual investors’, actual results, like their actual returns over long periods of time. They’re dramatically below just basic market returns.

    So it’s very destructive to their long-term wealth creation to be in this model based on constantly moving things around and trying to predict the future. So we basically say, if you’re. Portfolio success is based on a prediction of the future. It’s already broken, and so there’s, that’s why we teach that there is a scientific way to do it where you don’t have to fall into that and it’s.

    The founder of the company that I work with, when he started this company in 91, he thought, oh, there’s a scientific way to do this. When people see this, it’s just gonna become how everyone invests and people won’t be trying to gamble and pick stocks and beat the market and all that. And it’s now easier than ever to basically treat it like a video game.

    I mean like you can open an app on your phone and trade it and they even gamify it to make it look like a video game when it’s real people’s real money that they’ve worked for. And I think the biggest challenge for me as a business owner is I sort of fell into that as well. When I came across as technology, I thought, oh, I’ll just teach classes.

    Everybody will get this. People understand and appreciate science. But because of how. This industry sort of gate keeps information around investing and makes it seem way more complicated than it needs to be. Most investors are outsourcing their investment portfolio design, so they’re blindly trusting an advisor just like, Hey, they’re the expert, but with no sort of audit or feedback loop.

    They’re like, oh, my person’s great. They’ve been doing it forever. And it’s like, well. Awesome. I’m sure they’re an amazing human, but what kind of returns are you getting? What are your actual results? And people have no idea. And that has let this industry get away with, basically be what we call Wall Street bullies.

    Like they can essentially do whatever they want with people’s money because people don’t have a way to see what’s going on and actually even audit returns and see what their money’s actually doing. 

    Kim Allchurch Flick: Wow I’ve heard of that. And also, sometimes people don’t know the fees that they’re paying or even where to find them.

    Corey Kaster: Yeah. And 

    Kim Allchurch Flick: I’ve heard that is an issue. For people and company founders as well. 

    Corey Kaster: Yeah, and there’s the problem too, and we teach this in the class, is there are fees that can’t be seen anywhere. So there’s some fees they do have to disclose like how much you’re paying your advisor and how much the expense ratio of a fund is.

    But there’s hidden costs behind the scenes. Based on the biggest one is the amount of churn or turnover happening in the funds in your portfolio. So a lot of people put all their money into X, y, Z fund thinking, oh well that’s a set it and forget it strategy. And then what we often discover is that’s active management.

    And so what’s happening is there’s fund managers buying and selling. Stocks and bonds within that portfolio. And the more turnover there is, the more loss there is to what’s called the bid ask spread. So a lot of people don’t know there’s two different prices for a stock and there’s a little juice in the middle, as I call it.

    And so the more turnover that’s occurring, the more that juice in the middle is coming directly out of people’s returns. And how much is lost to that turnover doesn’t have to be disclosed. But most people don’t even know when I ask. They’re like, oh, well I love my person. I’m like, oh, awesome. Do you wanna have a conversation?

    Maybe have a third party audit this and see let’s look at some data versus just trusting this person’s personality. 

    Sure. And 

    then I ask them like, do you know how much you’re paying your advisor? They have no idea. And it’s fascinating to me from the psychological perspective that people notice when a gallon of milk goes up a dollar, but yet where all their money is with an advisor or even a, even if they’re doing it themselves, they often have no idea what they’re actually paying.

    Kim Allchurch Flick: It’s just fascinating and yet I think it’s somewhat rampant, isn’t it? 

    Corey Kaster: Oh yeah. I can’t remember the last person that I talked to that actually knew how much they were paying their advisor, 

    which 

    is just boggles my mind. But it’s very much how this industry is built. That’s, and it’s so common, I think it’s hard to unravel sometimes for people, and that’s one of the biggest challenges for me is.

    Because I’ve seen both sides, like I’ve been on the dark side where it’s, oh, just put people in funds and if the funds don’t do well, move ’em to another fund. It’s very sort of that the cup game where you just move things around and hope people stay happy and have seen the scientific way to do it. And I think the hardest and most frustrating thing for me is when people won’t even have the conversation.

    Like they’re so blinded to it and. I guess maybe they think like I’m coming for their money or they’re, oh, I just, I’m just like their advisor and I just want to be managing their money and getting their fee different than their advisor. And that I think is the hardest part, is having people realize that I’m not just another advisor.

    That we have a to, like a fundamentally different strategy for how we invest money. 

    Kim Allchurch Flick: And can you talk more about that and also. Your values were noticed even before your company was certified or verified as a benefit corporation. Yeah. And how has that guided you and how has it guided those conversations when you say I’m different, what I have is different for you.

    Please listen. How do the values that you started with guide you through that with this industry that might in many people’s minds have somewhat of a black cloud effect for them? 

    Corey Kaster: Yeah. My. Commitment that everyone has access to under at least understanding that there’s a different way to invest is what drives me.

    And one of my personal main purposes in life is meaningful contribution. And so I think that’s what keeps me going. Even though I’ll have maybe numerous conversations where people just shut down or I don’t want to talk about it. It’s one of those things they don’t even wanna look at it. And it’s interesting ’cause I had I’ll never forget, I had this conversation a couple years ago with a woman. We were going over all the data and science and here’s 50 years of historical information and stuff. And then she was going to my website to do a final double check of. Who am I and what am I about and everything.

    And she’s like, wait a minute, you’re a B Corp. Why didn’t you lead with that? She’s like, yeah, here, invest my portfolio. And I was like, well, I appreciate that, that you want to invest a company that is values aligned, but it always does come back to. I wanna encourage people to trust data when it comes to investing versus blindly trusting me because I think that’s what’s led this industry so far astray is it’s not data driven, it is just relationship driven.

    And I’ll even tell people, I was like, trust the data, don’t trust me. But. The values aligned, I think definitely helped. And I know when I first got certified and put out a press release and shared it with clients and stuff, it was, I think a lot of my clients already knew that, but they acknowledged me for taking that extra step to actually go through the certification process and continues to stay certified.

    Kim Allchurch Flick: Wow, that’s fantastic. And I think. In my world where I’m working with companies, particularly as they have their impacts, but they’re not expressing them very well, is to help with that expression, that marketing piece as well. And I base that on, Nielsen’s done several amazing studies about the social enterprise space and some highlights of a couple of them are that two thirds of consumers are willing to pay more for products and services when they know a company has good values.

    Yeah. So my question, yeah. Right at the beginning it was okay, so how do they know how we make that connection? How do they know a company has good values? And verifications and certifications can help, but it’s not the end all be all to it. It also has to be the expression, the marketing of true values, but also measuring and documenting and not making claims without a proof source.

    Yeah. And Nielsen did another study very similar and said of that if it was millennials, that 70, 73%. But what makes me optimistic is that globally, a whole lot of people are looking to support companies with good values. And where we’ve missed the mark is the connection. So lead with B Corps is, that’s a great quote that you heard.

    So how do you feel about that now? And are you a re-certified B Corps or it’s still in, in the first term? 

    Corey Kaster: I’ve re-certified at least once. 

    Kim Allchurch Flick: Okay. 

    Corey Kaster: It all starts to blur together. ’cause it has been a while.

    Kim Allchurch Flick: It does. Yes.

    Corey Kaster: And it’s definitely, congratulations. It’s, thank you. I mean, we feature the B Corp logo along with the 1% for the planet member business logo in all of our emails and it’s front and center on our website.

    I don’t know, to be honest, I don’t know how much I bring it up. I think it’s even on our voicemail when people call in, but I don’t know how much I bring it up during meetings because I guess because it is so prevalent. But yeah, I guess something to consider bringing up more often. But I think for me it’s one of those, I’m living the values and running the company that way and feature it prominently, so I guess it doesn’t come up in conversations as much, if that makes sense.

    Kim Allchurch Flick: It does. And sometimes we admit in the B Corps world that some companies want that logo and Yeah. So they’ll do what they can to get it. And then there’s others that are living the values and would do that anyway. And adding the B Corps logo helps them be found. But it’s not the end all, be all.

    It’s the certification isn’t the end all be all. It’s the growth and the moving forward and the learning. To do better and better over time and still be a very viable company. And I’m just wondering, what does B Corp benefit corporations for Good and 1% for the planet mean to you personally and how does it affect how you look at your forecasts, your goals, your visions for the future?

    Corey Kaster: Yeah. What it means to me personally is. Anytime I see that logo, I know that the business has. It’s an inherent values alignment. Like I don’t have to do a lot of digging through their website and mission and values and that sort of thing. I know that they’re aligned with my values, and so that was the big reason that I wanted to get certified is, not only from some strong encouragement, but Sure.

    Just so when people see that associated with my business, that they inherently know that I align with their values and. How it impacts my future, I think. It always keeps me committed to. My core principles of delivering value, because in the advisor world, there’s very much a pressure to constantly grow.

    With any business. Sure.

    Yeah. 

    And anytime that I start to see myself drifting towards, oh, like how much is my assets under management, for instance, and how much has that grown? I translate it back into how many people have I saved from. Speculation and gambling with their portfolio because that way, even if, because like our onboarding process is pretty thorough and time intensive.

    Like we’ll do a quick 20 minute discovery call just to see what they’re looking for. But then there’s a 90 minute what we call an investor inventory basically. What’s worked, what hasn’t? What got you to where you are today? And then if it does make sense to move forward from there. We do a 90 minute class, and then after that we do a two hour follow up meeting.

    And so it’s fairly time intensive and for me it has no correlation to their level of assets. Like people can come to us and literally have nothing to invest and maybe want to just consider starting a Roth IRA with $25 a month or something. 

    And. 

    A lot of advisors would think, why in the world would you spend that many hours with someone that doesn’t have a huge portfolio for you to manage?

    I’m like how is anyone supposed to grow wealth if we don’t help them at every level? Oh, I love 

    Kim Allchurch Flick: that. Yeah. 

    Corey Kaster: And a lot of advisors won’t even talk to investors if they have less than 500,000 or, I actually heard, and this was appalling from a, I think it was a fellow B Corp, they wouldn’t talk to people that had less than a million dollars to invest.

    And it just boggled my mind how one could be a B Corp and be committed to. People and yet not want to work with anyone if they didn’t have a certain level of assets. So that’s what drives the future as I don’t get disheartened if maybe they choose a different strategy or they don’t want to invest, so they want to loop back later.

    It doesn’t bother me because at least I’ve shown them that there’s a different way to do this, and so it can give them some access to a different way to do it if they ever choose that. 

    Kim Allchurch Flick: That story touches me so much. I think that’s so key and so important because when people are left to feel small or you’re not there yet, and I hear this with business investing a lot that companies that are.

    Really building something, doing well, but revenue isn’t great yet and they wanna go to the next step. And they’re looking for investors. And the investors say, you’re not there yet. So there’s this gap where they can’t get there yet until they get some in investment or some capital from somewhere.

    Yeah, that can help get them over. And usually it’s either research or marketing expenses or somewhere. And I think you’ve seen that with companies quite a bit and people as well, individual investors, that there’s a point where without somebody who’s understanding and sending, sharing a lifeline of sorts, there’s a place where people get stuck because the people that could help have a bar.

    Or limit and they’re not there yet. And I’ve heard that so many times. And what do you think about education, about money and investing for children or lack thereof? And this is a postulate, but what would it look like if children that are really young were taught some investing saving basics?

    Corey Kaster: Yeah. It’s funny that you bring that up because I had the idea over the last year to start bringing this information to kids. So while it’s not a really accessible for young children, I did recently volunteer to teach a junior class at a local high school. They have a personal finance class.

    So they were just learning like what is a stock and what is a bond and what is a mutual fund, and that sort of thing. And then I came in and taught our core class, dismantling the miss of investing, just like we teach to adults. And it was incredible. I didn’t, to be honest, I didn’t really know what to expect going into a high school if they were gonna sort of tune out or. But I thought alternatively, they’re close to being able to make money and invest, so they have a vested interest in learning about how this stuff works. And they were super engaged, asking really good questions, and how do we pick an advisor and how do we understand the fee structure of one advisor versus another?

    And. It was incredible. So they definitely want to continue to bring me back every quarter to teach because it’s like they can learn these core concepts of what things are, but if they don’t understand how to apply them in an actual portfolio and what to do when they actually start investing it leaves a gap there.

    I think the next step would also be maybe going back at the university level so they understand it. Again ’cause that 90 minute class is distilling over 50 years of academic research into 90 minutes. So it’s a little bit of drinking from a fire hose. Definitely for junior high schooler.

    But it was really fun to go in and 

    Volunteer to school and provide that information. 

    Kim Allchurch Flick: That is so awesome. How do you see helping people invest if they’re entrepreneurs or self-employed and helping people invest who are already in a company that is giving them a 401k or giving them access to investing?

    And where do you see differences in how you speak with people and where are some similarities? 

    Corey Kaster: Yeah. The nice thing is, so entrepreneurs or people that run their own business they might even have their own 401k for their employees, or they’ve got a simpler, a set plan that they can control and.

    Those are fun because they can implement, if they do choose this scientific strategy, they can implement it with all their portfolio, they can share it with their employees. So we’ll come in and teach the class to their employees. And so the employees have access to the scientific option through these plans.

    And it is distinctly different though when people work for a large employer because. As most people know, they give you a very short menu of options of where you can put your money. Yes. Which is a real disservice. It’s very nice of course, when employers are doing a matching, which of course is basically free money.

    But by giving them a limit option to choose from and not really often, much guidance, we. Really see that there’s an opportunity there for a couple different things. One, to provide the individual investors more education. 

    But also to start to move up into bigger and bigger employers and help them realize, and I think there could be a good avenue to do this through B Corps.

    How much. Their 401k plan impacts their employees because a lot of people think, oh, we’re doing a matching, like we’re being competitive. Oh, wow. But it’s like, well, wait a minute. Let’s dig into this and see how much do your employees understand these plans and the options? What is your engagement like?

    How many people are actually taking advantage of those? Because nationwide, I think the numbers are about 50% of people use their employer plan and actually contribute, which is incredible because most plans are probably doing some sort of a matching. And so the fact that half the employees in the country aren’t taking advantage of that is a horrible disservice.

    And where we can come in is. Not only helping the employees understand how this stuff works, but for instance, if they want to come to the two day event that we have, like they can have a profound shift from scarcity to abundance, which impacts the employer directly because we all know if people are more comfortable back to that hierarchy of needs, if their financial needs are met and they’re living in a world of abundance versus scarcity, they’re gonna be.

    More happy, more productive at work, it’s gonna create a greater workplace environment. So yes, we really see that there’s a way to transform the 401k industry, because currently it is typically the employers are looking at it from who’s got the lowest fee. ‘Cause that’s the only thing they really know to compare.

    And they’re not, I think looking at it from the side of, well, what’s the cost on the employee side and how much turnover do I have as a business? Because employees aren’t participating in the plan or they don’t understand how it works. And so they don’t, they’re not feeling that commitment to their success from their employer.

    And as we know, unsupported employees are most ripe for going somewhere else 

    Kim Allchurch Flick: and Oh, absolutely. What do you think are some of the reasons for the people not to engage with their 401k? 

    Corey Kaster: I think a lot of it, I haven’t really dug into research about it, but I think one of the biggest things is their, the way they look at money, because typically when they first get employed, they get the big packet of, okay, here’s matching and here’s how you log in.

    Set it up. So I think it’s two different things. One, it can be overwhelm, but I think more commonly it’s. They’re feeling like they’re paycheck to paycheck. And so they’re very much living in a world of scarcity. And so even contributing 3% or 5% of their paycheck seems like an insurmountable hurdle.

    And it’s very, of course, destructive to long-term wealth creation because their 3% could be an immediate 6% if it matched by the employer. And so I think it’s the combination of those two and. With plans that I work with. Those are the people that I would be the most committed to is figure out what’s going on in their lives that Yeah.

    Is having them look at this way and how can we help support them? 

    Kim Allchurch Flick: Oh I love that. And it’s so important because the future people don’t always look at the potential for the future until they get there and when there’s no savings. In that future that’s now present it can be a scary place and for a lot of people and often not their fault.

    And I myself have someone who’s been laid off a few times in good company with like 50% of the employee base, so surrounded by people who are in the same thing, but knowing that there was still something there. So I love your passion for what you do and for helping people. And you uttered the word gambling.

    Yeah, and I was wondering if you could talk about that in terms of investing. And then another question I have for you is how can people decipher from like those 401k funds, and I know what some of them look like to the words impact investing, green investing, and if they want to invest with ethics or their own morals and values.

    Where would you steer someone but first to just those people you’re talking to. 

    Corey Kaster: Yeah. I think the gambling part, I’m trying to think the easiest way to distill it down. The data shows that if you’re trying to pick individual stocks, either yourself, which some people do, or like they’ll have Robinhood on their phone and they’ll buy individual stocks.

    But the most commonplace we see it is within mutual funds in their portfolio, whether it’s with their employer or outside of their employer. And that’s where I think people don’t realize that there’s gambling happening in their portfolio because. Basically to simplify it, that fund manager that’s managing X, Y, Z fund is trying to predict where the market is going, or even segments of the market, green energy tech, et cetera, and then trying to make trades, trying to beat the market.

    But most of those underperform the market, meaning that you’re basically paying them to lose your money, so you’re paying them to. Yeah, you’re paying them to perform below the market. And so that’s where I think a lot of people don’t even realize that that’s happening and it’s very destructive. So usually once we show people what’s really happening there, then they obviously want an alternative, but, and I think that’s where it can even go into like ESG and sustainable investing.

    In that, well, one, I think there’s a lot of greenwashing, which is I think dangerous in and of itself. Indeed. And we have a deeper conversation with people around basically what their values are and what they want that to look like in their portfolio and where that shows up in their life. Oftentimes due to the overhead for being in that ESG category, those funds often perform, I think the numbers are around 3% below comparable funds. So they’re taking a, basically a 3% calculated loss in their. Expected return by that commitment and unfortunately not knowing well, are those companies actually committed to that or did they just pay to get this certification like that?

    That’s where it gets into a very gray area, and we think that people can have a lot more of an impact with their purchasing decisions versus, even you think about oh yeah, I’ve got half a million dollars in a portfolio and I’m putting it all into ESG funds. It’s like, well, yeah, but if that’s spread across 500 different companies, 

    right.

    Is 

    that having a measurable impact on that company versus. Or on those individual companies versus, oh, I’m going to buy a different type of vehicle, or I’m going to boycott this company, or I’m going to get the word out that they have nefarious practices. Alternatively from the positive side I’m gonna support B Corps and spend my money there and.

    By the way, we do things and just letting the market do the work and getting market returns, then you also have more flexibility to donate to charities and to support the causes that you care about versus basically trying to strong arm companies based on the money that you have in a small percentage of their stock in your portfolio.

    Kim Allchurch Flick: I just learned a new term in the last couple years that hadn’t occurred to me Uhhuh, but it’s donor-advised funds and for people who want to have. Either trust or have donations, in into their future and beyond to have something to be able to give. 

    Corey Kaster: I 

    Kim Allchurch Flick: heard that about donor advised funds.

    What do you think about those for people who wanna give back to the world somehow to have some charitable donations? What are your thoughts? 

    Corey Kaster: Yeah, and I think, are you just factoring, like for passing on their estate or? What do you mean specifically?

    Kim Allchurch Flick: The way it was described is a little bit of both.

    It’s helpful for people who are retired and have to do the mandatory withdrawals. A place to put that, and also for those who feel philanthropic, philanthropic to do it in the near term, but also for longevity as a trust, like after death or something as well. 

    Corey Kaster: Yeah. One, I think it’s a great opportunity to do and this sort of dabbles, which we aren’t providing tax advice, but it, there’s also can be some very nice tax advantages to structuring things that way.

    I don’t specifically have as much experience with donor-advised funds, but I know it’s one of the things that I. Could bring our same methodology to of yeah, how exactly do you want this portfolio to be managed? And then what sort of impact do you want it to have in the world, both while you’re living and after you pass.

    Kim Allchurch Flick: Exactly. 

    Corey Kaster: Yeah. That 

    Kim Allchurch Flick: is amazing. And how, what are your values in this space and in life, and how do you find as you’re talking to someone that they resonate with how you are and your values? 

    Corey Kaster: Yeah, my core purpose is meaningful contribution, epic adventure, and deep connection, and when it is pretty easy to recognize out in the world, people that align with that, and I used to refer to it a long time ago before I refined it into that current iteration, is having a growth mindset.

    People that want to grow, experience life, develop themselves, contribute to the world and live life to the fullest. And so those are the people that I resonate with the most, and I think that’s. As I mentioned before, when we go through our process and have that quick 20 minute discovery call, I’m very strategic in that is this, yes, I wanna help as many people as I can, but also is this going to be somebody who I.

    Align with and things like me, because I’ve definitely had those conversations where they’re like, Hey, what fun do I go into? I was like, wait, wait, wait. Let’s back up a little bit. And I remember one of those specifically, he’s like, I don’t really want to hear anything or learn anything. Just tell me what fun to buy.

    And I was like we’re not a fit. Not a problem. Best of luck. But yeah, so that’s what. I find resonates the most is finding people that align with my same core values, and that’s pretty easy to find out right up front. 

    Kim Allchurch Flick: Oh, that’s so awesome. And what makes you optimistic? 

    Corey Kaster: I think I’ve always had sort of that sunshine and rainbow look of the world.

    Even in the current state of things, I’m like, oh, well maybe everything will crumble and then we’ll really rebuild it new and amazing. So, I think it’s just, it comes back probably the same sort of framework of scarcity versus abundance. 

    I am a big believer in. How you look at the world creates the world.

    Another way to say it is a term called terministic screens. And it’s interesting, it just popped into my head of talking about people that I resonate with versus don’t. I definitely try to stay around people with a similar mindset that. If you look at the world through a positive lens, you’ll see things that align with that.

    ’cause that’s just how the brain works. But if you look at the world through a very negative lens, then that’s all you’re gonna see and the, the brain will find the things that align with that. And not to say I have not fallen into some negativity for sure, but absolutely. Yeah. I keep that as a focus of like, wait a minute.

    The world is just happening as the world is happening, and I choose to interact with it and see it as I wish. And so having that optimistic mindset, if I can choose my belief, why not choose the one that supports me and works versus the one that’s gonna be sad and depressing. 

    Kim Allchurch Flick: Makes so much sense.

    And for those listening, would you share again, your website and contact information? How can they reach you? 

    Corey Kaster: So my website is Inbundance.com. And the best way to get in touch is there’s a schedule button all over. The website is to book a quick 20 minute discovery call and we can just chat a bit, see if we’re a fit and if there’s anything that we can help with.

    Kim Allchurch Flick: And this is all, this is in the show notes as well. Is there anything else you’d like to add before I ask the final question? 

    Corey Kaster: I think the biggest thing that I would encourage people to do is to do the looking and be open to learn how investing works. I definitely understand outsourcing and trusting a professional in a lot of areas, like I have a CPA and attorneys.

    And that sort of thing. Sure. But this is definitely an area of the trust, but verify.

    Kim Allchurch Flick: That’s a really good thing to think of. And I’ll add too I’m a visual learner, a little bit left-brained, and when it comes to things like columns and numbers, I need a lot of repetition. 

    Or I need visuals and I think some people are like that as well. And this isn’t the final question yet, but how do you adapt to how people look at.

    Money and figures and text. And if they can’t get it, like I’m one of these people that sometimes it just doesn’t literally compute. And it’s a pun. Yes. But it’s also just the way my brain works and, but when somebody can show me pictures or graphs, 

    Corey Kaster: yeah. So it, it’s a 

    Kim Allchurch Flick: big difference. And do you see that with people and how do you adapt to.

    How someone can actually take the information. 

    Corey Kaster: Oh yeah, yeah. ’cause it definitely different people and absorb information in different ways. Our class is very visual, so we often, well, most of our classes we teach over Zoom, so they can do it right from home and see, we’ll go over graphs and charts and often those classes are in a small setting and so I can take the time.

    One, I’ll know the people that are in the class. So as I’m going through the class, I can speak specifically to like explaining what a mutual fund is and what goes into a mutual fund, meet them where they are and we try to make all of our content. Accessible for everyone. And I was amazed that even when I had that, took that same slide deck to a high school, that they pretty much understood the bulk of it.

    Even they were brand new to knowing what a stock was. And I’ve taught that same class to somebody 65 years old. 

    Definitely as accessible as possible. And then when we do the follow-up meeting, we do a thing called a portfolio, MRI. It’s a tool that we built that basically, once people understand how investing works and where returns come from the class, then we can actually do an analysis of their portfolio and then we show them in multiple different ways, both numbers, side by side, percentages, et cetera.

    But then even on a graph of how efficient or inefficient their portfolio is, how much risk they’re taking for how much return it’s engineered to get. And we definitely walk through everything until they get it. Like I always ask on every page, like any other questions, is this making sense? And giving them that space to feel comfortable to ask what they might think is a stupid question.

    Because one of the biggest complaints I hear is when people go to ask any question of their advisor that they feel either talked down to or talked over. 

    And I am out to change that ’cause I don’t want to feel, have anyone feel shame about asking a question about how their money is managed.

    That’s just gross. 

    Kim Allchurch Flick: Yeah. Well, and this is their livelihood and their future. So thank you for that. And everyone that do look@inbundance.com. So for the last question, if you’re in community with some of your favorite people living or dead who would it be?

    Corey Kaster: Yeah, I think actually the first. People that come to mind are people that have built very large companies. It’s really fun to spend time with. So the company that I work with that does all the engineering of these portfolios and provides the education is a company called Matson Money, and I’m down in Scottsdale with Mark Matson, who founded the company every couple months for training.

    So the nice thing is I get. Not a sit down meal with him, but I get a lot of interaction and anybody that’s built a big empire, like he started this company back in 91 when he came across this technology. And like him and I think of even founders of. Large companies like Apple, that sort of thing.

    Not that I want to emulate or become that large but just to see how they look at things such that they can build a company so large. Because it’s fascinating to me how, again, I don’t want to necessarily build something that large, even though I do see that the larger my company is, the more people that I can help and the more education I can provide.

    It seems like just such a different lens through which they see the world. Talking about those terministic screens of like, oh, I can build a company from my garage to. Apple or Amazon or something. And again, not that I want to emulate all their characteristics, but it’d be interesting to see how they see the world such that they can build something that large.

    Kim Allchurch Flick: This also makes me think because we’re both so much in the B Corps world, it’s also, and I’m pondering with you, how could somebody build something that large. With strong values. 

    Corey Kaster: Yeah. 

    Kim Allchurch Flick: As a potential B Corps. ’cause the ones you’re the ones you’re listing. Well, they’re publicly traded first of all, but also probably not in the B Corps realm as much.

    What? Yeah. That’s why I say I don’t, do you even think it’s possible and yes. They employ a lot of people. There’s a lot of things about those companies. Do you think there’s a way to do it with a really strong. True north values like you have. 

    Corey Kaster: I think there is, because especially now with, as you mentioned before, the stats about how many people are willing to pay more for those products and services that are produced by B Corp.

    It might not be as explosive as a growth trajectory as maybe some of these companies have seen. But I definitely think it’s possible and I’m. Back to the optimism. I hope that’s our future. Yes. Is that as we continue to vote with our dollars, that it supports the companies growing that large. I’d love to see like a B Corp, Amazon, something that isn’t doesn’t have as many destructive practices, but can provide value and services to people and. Support small businesses and be green and support the planet. 

    Kim Allchurch Flick: Indeed. And we are seeing them crop up, aren’t we? There’s different little pockets or different sectors, but this just popped into my brain as you said that there is one. And I’m very happy about this company, bookshop.org.

    Is a B Corps and they are dedicated to bringing books to sale in several countries and supporting independent bookstores in the process. And they’ve, to date given something like almost $43 million to independent bookstore owners. And every time you buy a book that a, it’s not from Amazon, it’s from bookshop do org and every purchase.

    Gives a little bit of money to this fund that goes back to independent bookstores. And independent bookstores can create their own shop on bookshop.org. So if people can’t go to their store, they can go to curated online shop. And that way, in a way, I’ve answered the question I asked you with one example.

    Corey Kaster: Yeah. Yeah. There are companies that are doing that and I think we’ll see bigger, 

    Kim Allchurch Flick: bigger, more. If you’re big enough to give away 42 million it, it doings. Doing some big number business. Yeah. And I find that very exciting. And then they partnered with Libro fm, which is also a B Corp, which is the audio book portion of Oh yeah.

    Corey Kaster: As well. Yeah, I’ve heard of them. 

    Kim Allchurch Flick: So how do we, the questions for us both that don’t have to be answered now, but how do we keep looking? How do we, there’s, there are. My optimism is the innovators, the people that want to bring the similar products and services to us in a better fashion, in a way that is better for the planet.

    And they’re innovating new ways. 

    Corey Kaster: Yeah, and I think it’s just our role as consumers to constantly be looking for that. So just like when you go to the store and you see two different shampoos and one’s a B Corp, but one isn’t. Like I love it because it makes it a very easy choice for me. I don’t really pay attention as much to the price, but I know that it’s a sustainable business, and I think the more we focus on that, whether it’s services or products, it’ll continue that movement.

    Kim Allchurch Flick: Oh that’s fascinating. I think we could talk for a very long time. Yeah, 

    Corey Kaster: for sure. Look 

    Kim Allchurch Flick: forward to seeing you and networking out and about in the new year. Yeah. But I wanna thank you and everyone, this is Cory Kaster with Inbundance Wealth Management, which is a great title for our company. Thank you.

    Thank you. Look at the show notes and we appreciate you.

    Corey Kaster: Yeah. Thanks Kim. 

    Kim Allchurch Flick: Take care. 

    This Episode’s Guest: Corey Kaster

    Headshot of Corey Kaster, smiling at the camera, with trees in the background.

    Corey brings 20 years of experience to his role as an investor coach – helping people eliminate speculation and gambling from their investment portfolio. As a Certified B Corporation, Benefit Corporation for Good, and 1% for the Planet Member business Inbundance Wealth Management is committed to business as a force for good.

  • Reforestation and Permaculture: Reconnecting People with Nature with Jason Yhost of Planet A-mor

    Reforestation and Permaculture: Reconnecting People with Nature with Jason Yhost of Planet A-mor

    Jason Yhost is a Miami-based permaculture designer working with Planet A-mor, a reforestation and improved forest-management project on 1,000 hectares of previously deforested land in Peru.

    Yhost shares his path from farming and professional volleyball to permaculture work in schools and communities, then joining Planet A-mor after reconnecting with its Danish CEO and learning the project’s origin story involving a Peruvian landowner.

    Jason and Kim discuss the need for transparency tools, monitoring, and funding to scale infrastructure, greenhouses, lodging, and technology, plus the challenge of engaging local communities through practical benefits like food and clean water.

    The conversation covers regenerative agriculture, native plants, trees’ role in urban resilience, examples of ecosystem recovery, and individual actions, partnerships, and investment opportunities to support Planet Amor.

    Listen Now

    Time Stamps

    00:00 Welcome and Guest Intro

    00:40 B Corp BeeHive Connection

    01:33 Jason’s Path to Permaculture

    03:26 Planet A-mor Origin Story

    05:46 Building Transparency Tech

    06:58 Reconnecting People and Forests

    09:06 Costa Rica Reforestation Lessons

    10:21 Miami Challenges and Tree Solutions

    15:05 Small Actions Create Big Change

    18:20 Scaling Planet Amor Obstacles

    19:57 Community Buy In and Food Culture

    27:09 Perception Shifts and Rewilding

    31:31 Optimism and the Soybean Example

    32:14 Let Farmers Farm

    33:31 Regenerative Proof Stories

    34:27 Seed Banks and Forest Recovery

    35:40 Common Sense Over Culture Wars

    37:07 Staying Positive by Solving

    38:07 Trash Pickup and Accountability

    39:28 Propaganda and Nature Perspective

    41:49 Local Wins and Dam Removals

    46:17 Rethinking Lawns and Beauty

    48:57 Kids Gardening and Real Food

    51:57 Meat Debate and Local Farms

    55:26 Convenience Culture and Waste

    57:24 Support Planet A-mor

    59:18 Banana Flour and Closing

    Kim Allchurch Flick: Hello everyone. This is Kim Allchurch Flick with a really, really interesting guest today. This is Jason Yost of who was a permaculture designer in Miami, Florida. Born in San Diego and working with Planet Amor for about four years. He’s passionate about prosperity, joy, neighborliness, and celebrating cultural differences as gifts that we give to each other.

    The topic of this is reforestation, improved forest management. Welcome. I’m so happy to have you here. 

    Jason Yhost: Thank you very much, Kim. It’s a pleasure to finally connect after a little back and forth.

    Kim Allchurch Flick: Absolutely. And we met because of B Lab. B Corps companies have what’s called the beehive, which is a place where people share information, and that’s where I found you and planet more.

    And I thought, oh. We have to have a conversation, so I’m so glad you’re here. 

    Jason Yhost: Absolutely. And it feels like, the beehive might be the first really functional application of social media. Kind of feels like a social media platform when I’m on there and it’s just people trying to do good work. So it’s a nice one.

    We’re B Corp certified actually, so that was just pending for a while and then now

    the last few months. So I just got on there. 

    Kim Allchurch Flick: Congratulations. Yeah. And as, as listeners know from my company, I help companies certify and my company just re-certified in November. I understand your pain and also the excitement of going, getting it done, so congratulations.

    So talk to us a little bit about your, the journey that brought you here to this place in time and what values led you to Planet a more. 

    Jason Yhost: So I’ve always been a nature lover and a bit of a green thumb. After college I did some farming, just for fun and while I had some other things going on.

    And then you fast forward I was involved in some things. I had played professional volleyball for a while in Europe. And then I came home and I wasn’t really sure what to do. I got involved in some tourism stuff and had started a business which the pandemic destroyed thoroughly. And I was talking to a friend of mine and he was a permaculture designer and he was doing installations and all that, and I just started volunteering for him and I loved it, it was nice to be back connecting, digging holes, planting trees, all that good stuff.

    And. Over a few years. I, he, right away he offered to start paying me just ’cause he liked working with me and things were going well ’cause I was doing it for free for a while, for fun. And so then I got into it for a few years, worked from for some different people and really getting to learn a lot.

    I got certified myself. Did some really interesting like school and apartment projects, really working a lot with kids and trying to replace the food in people’s grocery carts, with things that were growing at their school. And it was pretty cool. A lot of fun. Then I reconnected a few years ago with, at the same time I was doing this with our CEO, who was a friend of mine from beach volleyball.

    And we just started chatting. We hadn’t chatted for a while and then he said, Hey, what are you doing now? He’s from Denmark, he’s from Copenhagen. And I said, oh, I’m working in permaculture, this and that. And he said, no way. That’s crazy. I just started a permaculture company. We’re in Peru let’s meet, I’ll tell you all about it.

    We’ll talk and come to find out it was this planet of More, and it was one, it is 1000 hectares that was deforested a long time ago I believe by a European agriculture endeavor. And and then sold and left bear. Wow. So it was bought originally by our Peruvian owner. Then my friend Michael, I’ll try and it’s a really beautiful story.

    I’ll try and tell a very short version. He was on a motorcycle tour of South America. He’s like a sustainability guy, entrepreneur, et cetera.

    At this point, he was in his fifties and in the very remote part in the mountains of Peru. He got in a motorcycle wreck in the middle of the night and serendipitously.

    The Peruvian man who owns this land, rescued him, helped him, found them there. They were remote, no hospital, no hotel, no nothing. Helped him get back to Lima, get the bike there, took care of ’em, helped him get to a hospital. Thankfully he could speak a little English. My friend could speak a little Spanish.

    So they got all sorted out. Some months, maybe a year go by and he says, I’d like to thank you for helping me. How can I do that? My friend, the my friend the Peruvian guy said, well, I’ve got this land and I know I want to fix it. I bought it to do something with it and I don’t know what to do. And my Danish friend said, I’ll write you a plan.

    How we do that? Did it, studied permaculture, studied all these things, carbon markets, all this. Wrote ’em the business plan. And he loved it so much. He said, let’s do this together. Then there came in a third guy as well, a friend, another Danish guy who the two Danish guys had done business and worked together throughout their lives and other things.

    And he said, this is the third guy we need to make it happen. And then it was formed and they started planting trees very slowly. As anyone who has any experience in the snows, it goes very, very slow. So I got involved first. Helping to write some grants some uplink grants, and just getting to know the project, started studying carbon markets a little bit to help ’em out.

    Giving them some ideas. And then it just blossomed into this relationship where all of a sudden I was in, and we were working together and doing things, and it’s a startup and everyone’s been working for free for most of the entire project. And and here we are now and I’m responsible for a lot of our technology stuff.

    A lot of the things that we’re doing, we found there’s, a lack of the things we need to provide transparency. So we’re building a lot of things ourselves. Okay. In order to do things with, transparency, data verification, monitoring, all these kinds of things. We have to piece together a lot that will be, known to the world here pretty soon.

    And I do that, I do a lot of, 

    Trying to connect investors with our land. And 

    yeah, I do a lot of the white collar kind of stuff you could say. I’ve got my own business here doing permaculture designs, vegetable gardens, that stuff here in south Florida, my blue collar where I go and sweat and get my hands dirty.

    And then and then I’ve got this beautiful, beautiful thing. I’ve been to the land in Peru. I’ve seen it. It’s. The most inspiring thing I’ve ever done. When we first met, you said you didn’t want to do anything else, and that was the very same feeling that I got when I was there. I would like to finish this land that we have.

    I would like to expand and buy more land. I’d like to move into other countries ’cause it’s really all about, and I think we’re touching on some of the things you wanted to chat about today. It’s really about reconnecting people with nature. We get all these terms, these buzzwords, all these hot things, oh this is, climate finance and this and that.

    And really what it is a remembering of how people live with nature. There’s nothing new about what we’re doing. It’s actually, in my opinion, quite old. And we’ve labeled it new and we’ve tried to put science into it, which can help and that’s great. However. It’s just what we’ve always done before we had the capacity to do things at such large scale with technology the way it is, you, you just didn’t have the means to cut down a whole forest in a meaningful amount of time to sell the whole forest.

    You had to work with your part and you worked with nature and you found value in having the animals around. So for me, permaculture is just reconnecting people with what’s around them. Reimagining how we deal with forests, improve forest management is one of the real topics now.

    It’s like how do we get forest products and have more forest? People will never stop needing what comes from the forest. So how do we do that? And it’s easy. It’s not easy, if everyone gets on board, it’ll be easy. Yeah, 

    getting 

    easier more support.

    Kim Allchurch Flick: And I think, yeah, what we’re both chatting about as well is people don’t know what they don’t know.

    Sometimes we don’t look deep enough into where does our food come from and what are the alternatives if where it’s being sourced from is a burden on the planet, there are some alternative ways to get food that makes the planet healthier. And as you were speaking, I was thinking about the native wisdom.

    That there are people even alive now that were children when their land was taken, but they tell stories in the local tribes here about how being out in the forests and in the prairies was like being in a grocery store. Yeah. They knew where everything was. They know the reciprocity of everything.

    And then. It was taken away and now it’s a Superfund site. So there’s all this, but I’m also very optimistic. I was mentioning to you a short trip to Costa Rica for almost three weeks, only in eco lodges, but I’d been there before and thought it was beautiful. What I didn’t know when I was there before was it was deforested down to 25% remaining forest in the country.

    And when we went back last year, just a few months ago, every naturalist guide to a person said that the country has invested, and it is now re forested to slightly above 50%. And a lot of it is small plots, small farmers who are doing everything in a biodiverse way, which means native plants are growing with crop plants.

    The crop plants are native and they, every single one of them won’t buy a pineapple if it’s mass produced. They will if it’s off of their farm, but it’s changing a country. And so what we’re going to talk about during this time is also how can we think as individuals, even if we don’t have land, but if you have something or know somebody who does, how can it shape our perceptions about a, how we buy, what we think about, where our food comes from, and helping others who are the heavy hitters, like Planet Amor, who are doing some really big things.

    Jason Yhost: Yeah, I I’ve been able to have some really interesting conversations actually with people because in South Florida, I live down here in Miami and most of my time has actually been spent living in Fort Lauderdale. Just for those who are detail oriented and really care, it’s just normally easier to say Miami.

    And we have some really interesting issues, obstacles, heat flooding. Income inequality, all of these things, right? Like I, I personally am not on a crusade against wealthy people. I just think there’s a bare minimum that everyone can be afforded and we can probably find that, scraping the barrel a little bit.

    I think, such a place like the United States could really provide a quality of life for others. And, wealthy people, that’s cool. Most of them work very, very hard. I think, not to go on this crazy tangent, but I think wealthy people often don’t get enough credit for how hard they work and a lot of the, where their mind goes.

    And we have some really interesting dynamics here and I’m constantly preaching to everyone about how we need more trees. Trees will solve all of it. We have flooding problems, let’s. Plant trees, let’s we don’t see animals anymore. Let’s plant trees. We are hungry. Let’s plant trees.

    It’s too hot. Let’s plant some trees. We can do all of these things and solve so many of our problems. And, I’m constantly on this work to get people to replace their ornamentals with natives. 

    Kim Allchurch Flick: Natives, yes.

    Jason Yhost: We, it’s like I recently met a park ranger who gave me A-A-P-D-F that somebody in Florida had produced where it’s like, if you wanna produce or if you wanna plant this, consider planting this instead.

    And it’s all this beautiful, like substitutes with flowers and butterflies and birds and it’s really magical. And I think that those are some of the, when we say we don’t know what we don’t know, it’s sharing with people the value in that. I think that this is such an interesting place because it’s, it’s hard to talk about certain things because it automatically comes, with the climate of our culture at the moment. If you have an opinion, it comes in a basket of all the opinions. And so I tow the line here a lot with the conversations that I have. And it’s also unique because even the most diehard of people that you would think normally are not gonna care about the environment here, they love it.

    They’re water people. They love the Everglades, they love the ocean. 

    They love their stone crab and all of these things, and they see the value right away their houses on the intercoastal, on a waterway. And so we can bridge a lot of gaps. I always talk about let’s think about it simply, let’s talk about water.

    Do you feel comfortable drinking the water that comes from your faucet? Do you feel comfortable diving into the nearest waterway? Could we maybe reimagine how we’re treating that? There’s muscle repopulation programs in the intercoastal to start cleaning up the waterway, right? Like, I think so much common sense has been removed from our system, and I think that’s where we start.

    We start by sharing with people and connecting and meeting ’em where they’re at and finding what they care about and saying, Hey, this is how it’s deteriorating and this is a really simple way that we can bring it back. I don’t want to take things away from people. I want to have healthier systems so that we can all have more and have easier lives and enjoy our lives.

    And I think generally speaking, that if people feel like their baselines are taken care of, they have the capacity to care about others more. This watching out for themselves, and the selfish mentality comes from feeling not safe. And so if you could feel a little safer, if you could feel like the people around you were your allies instead of trying to come to get something from you, I think in your intro I had forgotten that I wrote that neighborliness is something that I really pray for a lot in my life.

    And it’s it’s like a fundamental thing that to me is what it is to be from the United States to be an American, you could say. And I think that comes with a level of caring about the people around you. And I think that’s missing from us a bit. And so that’s, being willing to talk about a group of people the way that you might talk about one person.

    We all, 

    you 

    could point to any group of people that has a stereotype, however, everyone knows someone who isn’t that. And it’s like, we’ll begin to talk about that group of people the same way that you would talk about that one person that you actually know. And I think there’s so many of these simple common sense things where we be kind to each other and we start to just pay a little more attention.

    And that’s where I think all the change comes from, whether you’re a big fish or a little fish, I shared with you earlier the universal arises from the specific, it’s something that, that really touched me in my life when I heard it, the idea that nothing was something that everyone did until someone did it, and

    until someone did it, and it catches on. And so these little changes that feel like it’s too much for one person to do that’s just not how it works. If you want something to be a trend, someone has to do it first. Someone has to be a thing. And let that be inspiring to others. Let them see you. We all probably have stories where we’ve been touched by something that someone did and they didn’t know we were watching, or they didn’t know that we knew that they did that.

    And we carry that with us in our lives. And so lives 

    Kim Allchurch Flick: Indeed. And sometimes just a little pearl of information. Like this happened to a friend of mine who started a restaurant based on the information that a hundred percent grass fed beef is much better for the planet and the individual than factory farmed and veganism is important too, but this is just to, to share some information.

    And his doctor told him that if he was going to eat beef at all, to eat a hundred percent grassfed, so he’s the kind of PhD scientist who did a deep dive on it, came out with Joel s you know, regenerative ag and. Books and data that showed why. And the why is stressed animals are like us. If we’re stressed, we’re not healthy.

    There’s high. Cortisols affects our lipid levels, blood pressure, everything that passes on down the food chain, grazing animals. It’s known that grazing is important for grass, for prairie, for a lot of things. And every animal contributes in terms of manure, which is healthy. Walking through it and cutting the grass makes everything healthier.

    And they’re healthier because of it. They’re eating things, their bodies were planting seeds, seed, stomping those seeds into the dirt, making the soil healthier. So the seed bank is so much better. And there’s a couple of films that talk about this. Kiss the Ground common Ground, which is the sequel biggest little farm.

    And there’s another one called the Serengeti Rules. And it’s more of a global film, but it’s a beautiful film about what is an apex predator and sometimes apex species are grazing animals. Why It makes the world so much better. And anytime I drive by a field that someone’s plowing and dust is rising up, I know the soil’s not healthy just because of watching one of those films saying, okay who’s planting their crops with cover crops?

    Who’s doing it? So the soil is getting healthy and everything you’re talking about are things that we can think about doing on a small scale too, even in a backyard. And so I was wondering what, you’ve talked about the problems that that were first noticed when the, your company was started.

    What are the problems are rising up that you see in the company sees as problems to be solved and what’s happening around you, where people are catching on?

    Jason Yhost: Wow. So I think there are, for anyone who’s involved already in the things that we’re doing who might be listening, they know all of the bureaucracy that it takes to do this. Yes, how expensive it is. That’s been actually one of the most mind blowing parts to me, is for all the good intentions, it is not easy.

    Our biggest problem is, yes, funding to scale, to pay more workers to be able to commit to a salary for people there. Like we’re creating a bunch of jobs and we can only create what we can guarantee. We need better greenhouses, more greenhouses. We can, we’re really interested in scaling up.

    Workers. So we need more places for them to stay. It costs money to to get the materials there, to build and to assemble all that, all of these things you would do to scale up. Eventually we’re gonna be planting with a thousand hectares, we’re gonna be planting far away, so that’s gonna take investment to be able to make that possible.

    Iot devices, all of these things that come with not just a forest, but also what you might need for carbon credits or for B Corp certifications. Sure. Like liquidity must be everyone’s number one issue when it comes to on the ground. I would say from my time there, speaking for myself, I think if you were talking to one of our owners, you would get different answers and they would also probably be very interesting.

    For me, the biggest hurdle. Is is helping the, because we do a lot of support for the local people we work with the, we work with, local communities as much as we can. We do a lot of support, some interesting things. And I’m 90%, maybe 99% sure that basically all of them, except for maybe our engineer and some of our workers, don’t grasp exactly what we’re doing.

    So Ashika is like a huge, there’s millions of people with different, I don’t know a ton about it. I just know that it’s, it’s a, people from the Amazon before these borders of countries were here. Okay. And so they’re extremely buried from A to Z. What type of practices remain?

    What new ones they have? It’s a huge community and so I, I certainly don’t speak for all of them in our area. I can only describe it as disconnected. They grow yuca and plantains and like sweet potatoes. We get all these interesting local things, Peruvian things. And the main staple for many people is rice with a small side of yuca and potato and plantain, right?

    Like they’re buying an imported starch that has basically the same digestive function as most of it. And having smaller portions of these foods that they grow around them. It’s almost like someone played a trick on them and convinced them something. The last time I was there we picked vegetables, peppers, and turmeric, different things 

    From the garden right outside the kitchen on the land there that they the lady that we pay when we go and visit, we hire a lady to cook meals. We bring like investors and different things down to see it. It’s the most touching special. I absolutely love it. It was my Thanksgiving last year.

    Thanksgiving’s my favorite holiday and I went down there instead and I had two pieces of white bread. ’cause we got there late and, it was like a little late night snack. I had two pieces of white bread with a fried egg as my Thanksgiving dinner and it was like, it was so touching.

    Normally I go crazy. But, they, it took us going out there to pick the things and in showing her how to incorporate them into the food, she didn’t realize that there was food and things out there. They were buying like broccoli and rice to feed us. And it’s like, I don’t want this rice, I want twice as much yuca, plantain and sweet potato.

    And it’s, and you don’t go demanding things. You don’t want to go and tell people how to live. It’s like showing them and reconnecting and inspiring. Like we, this is my favorite story. 

    Absolutely. 

    They under, they have chickens, right? They know chickens give you eggs, you can eat the chickens, whatever, the ducks.

    No. So we gave them ducks on the land to start breeding the ducks. Then they can get eggs and eventually we can be eating ducks. Just trying to provide food sources. Biodiversity, the whole thing, right? It’s a fantastic thing to have more animals. And it’s like a working farm and people live there.

    They go, you have to get there by boat. So they spend a few days there at a time, and then they go home and back and forth. So there has to be lodging, food, a kitchen, et cetera. Right away they just ate the ducks. No more ducks. And when you scale that out, when you extrapolate that to all the changes we would like to make and all the things we would like to do to improve the quality of water, right?

    I don’t want to tell anyone how to live. I wanna make sure they have clean water. I wanna make sure their food is good. I wanna make sure that they can meet the opportunities that they want for themselves. Live the life you want. Not really a too much concern to me. As long as it’s a good, healthy one your children have options.

    You feel safe, you feel well fed, right? And so there’s a minimum need, kind of what I touched on earlier, where we have to touch their lives and inspire their lives, the local people and let them see a benefit to their own lives personally, in a small way in their stomach, in their kids’ opportunities, in their wallet.

    Somehow that, oh, I’m interested in what they’re doing. Nobody’s listening. We can’t show up with a thousand ducks and say, now you have ducks. Your problems are solved. That’s like a month of good eaten, and the ducks are gone. What it is two ducks, four ducks per family, three families over and over again until they really are like ducks.

    I love this. Thank you. And they tell somebody else. And those people want ducks. And in a year, then there’s a thousand ducks because we started one at a time. And if somebody eats the ducks, we give ’em four more ducks. And we say, try it again. You see those guys, they got eggs, there is there is this level of disconnection where they’re buying food, buying medicine and buying water, we can clean the water instead, they can have clean water themselves.

    These kinds of improvements and. I before I went, I thought it would be easy to do that. And it’s not. People have to really it’s like the old saying, I used to do a lot of coaching. And especially with young kids, they say, and maybe teachers know this, they don’t care what you know until they know that you care.

    And so if you are less hungry and we sit down and we have some beers, then maybe you’re listening to me about the ducks. You’re not listening to me about the ducks when I show up and you speak a dialect that I don’t understand and you’re not listening to me and I get that.

    I wouldn’t wanna listen to you either. And so working like, can we produce things at a higher quality on our land in a really good regenerative agriculture way? That cost slightly less. Like organic people are not gonna pay extra for organic. They don’t care. Nobody cares. And so they just see that a kilo of limes is 5% cheaper, 10% cheaper, the quality is as good or better.

    And then they’re interested and they notice that maybe our presence is helping. And they’re curious. They see that we helped send a kid who wanted to study something to a university because she was really interested in music or art or agroforestry or engineering or whatever, and it wasn’t gonna happen.

    And we were able to help with that. Then they’re gonna listen. And so there’s the way, one of the biggest obstacles is, the World Economic Forum has nothing to do with the Han Inca. They don’t care at all about the un And these goals, they don’t care at all. Zero. Explain a carbon market to them.

    They don’t, they, it’s, they could understand if they had some idea of the reality that we are living over here and they don’t care about any of that. And so finding ways to connect with them to improve the life of the people around there, to make a ripple in a way that is inspiring, that we can have clean water, clean food, less import, right?

    I would love for them to import less rice from Asia or wherever that rice is coming from and stick to local products that are more delicious, healthier, cheaper, just all, it’s just all around better. Of course you can still have rice if you want it, but that’s not the biggest part of your plate.

    So that’s where I find, hopefully I answered your question. I, I find a lot of words very easily

    Kim Allchurch Flick: I think you’re touching on something too. And a lot of it has to do with perception and. And it makes me think about what people see now, what is their perception?

    A golf course can look beautiful to someone who doesn’t know what was there before or didn’t think about it. I grew up in England where when I was a kid I thought pastures and mall and hedgerows were absolutely beautiful and rolling hills and all of that. And then I grew up and start learning more and more about what was there first.

    And those are overgrazed and England is in trouble. And there are people like a man named Jake Fis, who wrote Land Healer just recently about, I was trying to turn that around, but I hadn’t seen a forest in England except maybe a couple small spots and what it would mean to reforest. There’s a farm in England called the nep, K and EPP that was dying.

    And Elizabeth Tree and her husband decided to do something differently. They were almost going bankrupt. And she wrote a book called Wilding about the 20 years of them bringing a variety of grazing animals in not to eat, but to actually wander to plant some more native plants to save an oak tree that was living by itself.

    And oak trees like to be closer together and to really learn about healing the soil. And now they have a place where you can go and stay in a tent and eat from the land and tour and learn. And it’s our perception. And I brought up golf courses because there are a couple places now that are actually reforesting golf courses and turning them into public spaces for everyone.

    And the amount of water it takes goes way down. The amount of heat generated way down, the amount of joy for the people that are visiting way up, more birds, more all sorts of things. And in Costa Rica, that had been down to 25% deforestation. We stayed in two eco lodges, one in the Caribbean side, one on the Pacific.

    And on the Pacific, a man from France came in and bought it cow pastures. And now it’s 10 years in. And he said, with planting, he said, the first ones to show up were the birds. Took five years for the monkeys to come back. And when they did, he said, now I know I’ve made it. Now I know that this is a habitat.

    This is a biodiverse habitat where everybody gets to play and be in like a, it’s a community and how important it is to support all the layers from soil to pollinators to bigger creatures. And I think that’s what you’re talking about. And, but you talked about the obstacles. Some people are against that.

    Some people see land is developable for a lot of money. How can we balance that as a species? And I was wondering what makes you optimistic and what can we tell people to look for, even if it’s small, to think about ways that we can support what people like you are doing or the biggest little farm or people that are truly doing regenerative ag.

    Where I live, Carmen Ranch is the first, I believe it’s the first regenerate certified ranch in the country. Because she’s actively restoring tall grass prairie with a hundred percent grass fed beef. And even if people don’t eat the beef, know that that land is becoming healthier. So it’s sometimes it’s not about what is the cow part of it, except they’re the ones making the land better.

    And how do we reframe things? So I was wondering if you could speak to that a little bit about what people can start to notice, how they can contribute, how they can contribute to planet and more so you, your work grows bigger and affects more land, more people. How can we make progress together as a community when we don’t always see that there’s a problem?

    Because what we’re looking at, like a golf course or a beautiful pasture look beautiful. And yet can, our framing is all what we know. 

    Jason Yhost: That’s true. My, my favorite example actually, i’ll touch on one and share maybe a little more in detail. My opinion on the other. One that most people will probably know is most recently we had this soybean debate, this big debacle about what are we gonna do with all of our soybeans?

    If I’m not mistaken, the government subsidizes the farmers to grow those soybeans. Someone is in the comments or knows better than me please help. I believe we make that viable for the farmers through subsidies and the fact that when there was not a buyer for our soybeans, right?

    We just had this big thing with China and they buy the majority of our soybeans, but they also don’t eat, they give it to animals. And that’s a separate thing. So we spend all of our resources to feed animals in other countries, which is absolutely insane to me. But never once in the entire conversation did I ever hear anyone, no matter what their opinion was.

    I’m shouting from the rooftops, but nobody’s listening is, how about we just let the farmers farm? How about we stop subsidizing the food that isn’t food, that’s, that we can use as like a leverage tactic and other countries are using as a manipulation tool. How about we just let farmers farm? I bet they don’t want to grow only soybeans.

    I bet they’d like to plant trees and have animals and have healthy biodiverse systems where they feel comfortable walking outside and eating their own food. I feel like we have enough land in the United States that we could start to localize a lot of people’s products. So much of it, imagine all these subsidies go to helping farmers convert to biodiverse stable systems to improving the logistics and supply chains of connecting local people to their farms of sharing all the data.

    Like, all you have to do is listen to the testimonials of farmers of ranchers who have switched to letting their animals graze. Like there, there isn’t a single, I’ve never heard of anything. Maybe they’re out there of somebody saying, you know what? This made things worse. I have to go back. I haven’t heard it.

    I haven’t heard it. 

    Kim Allchurch Flick: I agree with you. And that brings me to those two films. The first was Kiss the Ground Second, the sequel Common Ground. About that very thing. And there’s a farmer in both movies who was losing so much money because the industry had said, you need all these chemicals to support your soil, to give the plants more nutrients, all purchased.

    And his boundary is with another farmer. He decided, no, I’m going to do this differently. I’m not gonna plow anymore. I’m gonna have cover crop. I’m not, I’m gonna regenerate. I’m going to throw compost back into the soil. We’re gonna churn everything back into the soil. And there is a line where the neighbor is doing it.

    The well, the current more factory ways. Conventional way. Yeah. Would say conventional. And that land looks almost barren next door to the southern man that it bounced back. And I’ve noticed. Even in a small forest that I live on that is being regenerated with the help of a grant from Clark Conservation District the person who owned this before us used to mow down in the forest.

    We started letting everything own except for noxious weeds and just have pathways. And in six years, more and more comes up each year. And one of the experts that was down here was saying, it’s the beauty of a seed bank. And when you, when a tree falls, leave it there or wood chip it, put it back on, let things start to rot back into the ’cause.

    It’s not wrought in a bad way. It is, it’s a beautiful cycle of nature to have things be able to go back into the soil. And I started taking pictures year over year to see the change because you can’t always remember it. There’s a place where the first picture I ever took it was just trees and nothing but moss.

    Now it’s several species of ground cover and medium sized shrubs. That all came from a seed bank that was just waiting to be left alone. 

    Jason Yhost: Waiting to be left alone. Exactly. Yep. Exactly. Yeah. I think of all these kinds of things, and I think I tend to be kind of a one trick pony.

    I have a lot of opinions about a lot of things, and really it just comes down to like common sense and paying attention is like my number one thing. The other example that I, that we don’t have to dive into, ’cause it isn’t exactly nature related, it’s similar in thought process to me, to the soybean thing, which is when we maybe a couple years ago we had the big baby formula thing, and everyone was losing their mind, we don’t have enough baby formula.

    What are we gonna do? And. Never once. Never once did I hear a conversation about breastfeeding. I get it, that maybe there are not, maybe there are women who can’t breastfeed and they need formula. However, if we were having actual conversations about women’s health and about nutrition, then there wouldn’t be, there would be plenty of formula for the women who actually naturally couldn’t breastfeed.

    That must be such a small percentage compared to the norm, right? And not wanting to is not the same, right? That’s a stigma thing. That’s a cultural thing. Never once did we have a conversation about women’s health, about breastfeeding, about why do we actually need all of this baby formula.

    And we don’t have to dive into that. However, there’s all these things, right? When the conversation starts about formula, about soybeans, I’m like, why are we talking about this? It’s all dumb. Why are we arguing about the best way to preserve a system that doesn’t help anybody? It’s like, it just doesn’t compute to me.

    And so that’s naturally where I go. You asked me about staying positive. I’m just like that. It’s never had to be any work for me, to be honest with you. I just am happy to be alive. I think the world’s wonderful. And, for every problem there’s a solution, and it’s like, where does your mind go?

    If you were to tell me that you were thirsty, I don’t sit around thinking how sad. And imagine a dry mouth. I think of water, maybe a beer. If you’re old enough, maybe you’d like some juice or some lemonade. Like, where’s a water fountain? Do you have a bottle? Like, when you tell me you’re thirsty, that’s where my mind goes.

    I’m just like that. It’s easy for me. I love being alive. I love connecting with people. I love. All kinds of things. And for me it’s easy to make that connection to, I don’t dwell on things, I’m pretty sensitive to negativity. So when people start saying, a lot it’s you’re gonna get whatever you focus on.

    You’re part of shaping all of this, just like the rest of us. And so our attitudes mean a lot. The effort that we give, it’s, it’s kind of that universal to the specific thing is do you want to complain or do you just want to be able to live with yourself? Like I pick up trash everywhere I go.

    I have this big project that I’m working on for the city of Fort Lauderdale. There’s a venue, a big festival where they leave a lot of trash on the beach. And I’m kind of on this crusade to, to get some accountability so that when it’s over, they clean it up. And I pick up trash everywhere I go, boom, boom, boom.

    I just put it in my pocket, I throw it away, whatever. I don’t pick up gross stuff, but and it’s easy to be like, how can people don’t throw away their trash? And then, and it’s easy to feel overwhelmed and it’s also easy to look at that and say, if I don’t pick it up, it’s gonna sit there and at least that one won’t be there anymore.

    Kim Allchurch Flick: I call this karma pickups that it’s not my trash, it’s somebody else’s, but I still picked it up. So the world’s a better place in that little, 

    Jason Yhost: yeah. Yeah. That’s nice. I frame it a little different. I just say there has to be balance in the world, and there’s some people not picking up enough trash, so some of us have to pick up a little extra.

    And then soon everyone will just be responsible for their own. And so there will be balance and nobody has to pick up more trash than their own. That’s where my mind goes with that. But it’s the same as the karma thing. It’s just I don’t get defeated because things are a certain way, I always imagine that.

    Things are a pendulum and we’re swinging back the other way. For everything that’s happening, there’s a bunch of people who are sick of it, and no matter what you really believe in our society, I believe most people are very level-headed, very reasonable, ready to be neighborly.

    And really we live in, now get a little, bigger picture. We live in a giant propaganda machine, and what that machine feeds you is the really extreme ends of everything. And the majority of us live in the middle. However, many people are not stopping to think, wait, this person actually doesn’t represent no matter what they believe.

    This person doesn’t really represent what most of us think. And if I talk to anyone that I know, they’re far more reasonable and level headed and somewhere falling in this just want everyone to be happy kind of area. And so it’s easy to feel overwhelmed if you have that sort of personality where you think that the person screaming way over there and the person screaming way over there somehow represent most of us.

    They don’t, and it’s, there’s no money in, there’s no revenue, there’s no profit in letting a bunch of reasonable people be the voice for the majority, and so in knowing all of that, I just, I don’t get too down, I just like, I don’t think that we can really pollute water. I don’t think that we can ruin nature.

    I think we ruin water for ourselves. I think we ruin nature for ourselves and the other animals that are around. And if we make it bad enough, we are toast. And then nature will be fine. I don’t grieve for the earth, it’s not the earth. It’s not nature that suffers, right? Like it’s a very.

    Arrogant human thing to think that we can contaminate water and somehow the water is ruined. The water is the water, and the stuff in it is bad for us. The water will be fine and eventually the water will figure out how to clean itself. The landfills are cleaning themselves. All that will sort itself out.

    It’s just us. We’re cutting ourselves out of the equation. And that is something I would like for us to also keep enjoying life and live it in a balanced way, so I don’t think that I think it’s a human thing to think that humans are in control of everything and we’re not. And I find also a lot of peace in that, we’re gonna swing the pendulum and it’s gonna swing.

    And I think, hopefully it lands in the middle. I don’t know if that’s ever a thing. However I’m full of optimism. I’m full of belief in the power of nature and the power of inspiring people. And, that’s just where I’m at. It’s easy for me to be that way. 

    Kim Allchurch Flick: Can I share a couple of observations that were sparked in me while you were talking and it’s observations about where I live, but I think we can all ask questions wherever we live or wherever we go.

    But in the Portland, Oregon area of what I’ve noticed is there’s, over the last 20 years ago or so, and I didn’t even know this until recently because of the expert who does the planting, but there’s been an increase of what’s called bioswales where instead of putting water down a storm drain from the road, ’cause we get heavy rain here, it goes into a bioswale and they’ve been able to test it and they know how much pollutants and matter are captured that are not going all the way down the sewer system.

    So that’s one on small scale. There are so many nonprofits that are doing really niche and wonderful things. Like we have growing gardens, which deals with. Underprivileged and underserved communities to help them with gardens, even if it’s as small as containers on a patio or a deck. But they work in larger scales for community gardens as well, and they’re teaching people how to grow food, how to create nutrition out of it.

    And it’s such a bonding experience. There’s another one, a friend of mine has created a nonprofit to make medicinal gardens so physicians can actually write a prescription for these people to be able to go and cool and get the produce as a prescription. Friends of Trees is planted well over a million trees now, and we have a problem in Oregon where I’d say probably 30 years ago, plus no one built buildings with air conditioning, but heat in the summer that.

    Demands it. And most people who are underserved can’t afford it. So trees are a big part of that shade really, really helps. And underserved communities often don’t have the trees that richer communities. Do you know these organizations are doing that? And on scale from local, the things that you’re doing internationally as well?

    I think what we can all think about is what’s, what small things can we do on our own? If we don’t work in an organization that’s doing really, really big things, what can we do on our own? And then also, who can we support? Who are the heavy hitters, like Planet A more that we can support? So we’re all making a con contribution for regeneration.

    And it, and I know a lot of the references I had like Reading Healer, it’s quite scientific. It’s a wonderful book, but lighter reading is anything by Robin Wall, Kimmler about. Reciprocity and regeneration. She makes short books that speak to the heart of exactly what we’re talking about, and it brings in community as well.

    And another thing that just recently happened, and this involves the local tribes as well, is there are dams all over the place in Oregon and four were taken down, I think four four at the Oregon California border. It’s the Klamath area. And Senator Merkley was involved in that as well. Those dams came down after 60 years of no salmon.

    And wow. There were plantings like hun, tens of thousands of new plantings along the stream bed, making the stream better for young salmon. The native people reported that they saw salmon coming back within four to six weeks. 

    Jason Yhost: Wow.

    Kim Allchurch Flick: If you give nature a break. It’s amazing what can happen. And the same thing in Washugal Washington, a smaller dam that was built for Girl Scouts primarily 60 years ago so they could play and have camping and getting canoes.

    The water level got so hot, well too high and too hot. Salmon couldn’t live. And on the Wild Boy, boy Creek that comes out of that, they decided with the tribes to take the dam down. It’s a process. You don’t just knock it down, gotta prepare all the downstream. The stream had been denuded to bedrock and salmon can’t live on bedrock.

    They need organic matter. They planted, the dam came down within six weeks they had salmon, DNA. Wow. Amazing. So that makes me so optimistic. If we give things a chance to breathe the way they were supposed to. I’m a big com proponent, and I know I get pushed back on this ’cause people love lawns and they’re a place to play.

    Think of something else you can put there. Lawns take a lot. They release a lot of carbon. They take a lot of water. Yes, people like to play on lawns, but as I have literally killed a lot of my lawn through, shading it out and put in bark chips and pathways and ground covers that the dogs can run through by water.

    Less the number of birds and butterflies and all sorts of breeders that are, and it’s a small little backyard. 

    Jason Yhost: And your trees, 

    if there’s trees there, they’re probably doing better. 

    Kim Allchurch Flick: They’re every, everything’s healthier. And it’s such a remarkable thing to think about, but there was a time when I thought lawns were beautiful.

    I don’t anymore, but it’s, so we gotta give ourselves a little grace for having grown up with, ’cause most of us were born after a lot of deforestation. After a lot of sub developments with lawns. So we didn’t see what was before. So I want to really say that giving us all grace, that we only, we have a baseline and that baseline may be devoid of the knowledge of what the possibility of what had been.

    And to see something regenerate and come back can help us reset. And that’s where we can see beauty again. And to me, a forest with trees that are half down and all sorts of variety of plants coming up to somebody it looked, might look messy and chaotic. Nothing’s in rows, but to me it’s abs absolutely beautiful.

    And I think that’s what you’re talking about as well, is there’s a new beauty to be observed. And that’s in the movie, the Serengeti rules too. That’s about nature being regenerated. There’s, it’s amazing what we, what I didn’t know. Was possible when we leave nature alone. 

    Jason Yhost: Absolutely. It’s really amazing.

    Really, really amazing. We got it took almost no time at all, and we got leaf cutter ants back on our land. 

    there, there are, we have two kinds of monkeys. They don’t come into what’s been reforest yet. They stay, we have some places in our plot that were never cut down.

    And so those stay preserved. And so they, they tend to live in there. I think they know that they could be dinner, to be honest with you, if they come around the people there will, if it looks like it has meat on it, it could end up on a grill. So I think the monkeys are smarter than that, than to come around.

    Eventually they will, but yeah, I mean it’s really amazing how nature works. In terms of making an impact. I guess I would start with like an individual level. We talked a little bit in the beginning, I like to take my own to-go cup, whether that’s like my metal steel thing to get my coffee or my little ceramic espresso mug.

    If I don’t have the other one, I’ll take that and I’ll ask them to put my to-go coffee in there. Typically your small businesses are the ones that will do it and the big places are the ones that won’t anyway. So you’re doing yourself also a favor avoiding that moldy giant brand coffee.

    It’s got mycotoxins in it, so watch out. Those little things. For me, like every time you’ve mentioned the balcony gardening, I think of the value of connecting kids with food and with plants. Like adults are gonna be adults in some care and some don’t, and there’s not really much changing that in any significant way.

    However children are the action. I, I remember when I first started doing this, my first project I ever worked on, we built. A food forest, a farm, like row beds, this giant thing in a school. And there was this particular tree that was always fruiting. These little red berries, we call it like bubble gum tree or Jamaican chariot has all these cute names and the fruit are delicious.

    They’re highly perishable. You never see ’em in the store. It’s a beautiful tree. And I would eat a bunch while I was working. I’d be working, I’d eat some, and the kids would walk by and they would look at me like I was crazy. The idea that somebody would be eating something from a plant was entirely foreign to them.

    If it doesn’t come wrapped in a bag from Publix, from the grocery store, they do not recognize it as food. And over a few years, slowly, we had a garden club. We had kids taking things of produce home. The, when the kids were walking by the tree instead of looking crazy, they would 

    Show their friends how they were edible. And they’d all be picking ’em and eating ’em. And those are the ones who grow up to care about having their herbs on their patio. Those are the ones. If a parent is out there and really wants to affect the world in a meaningful way, grow some cilantro on your balcony.

    Like if nothing else, it’s cheaper, it’s more delicious. They’ll have fun planting the seeds. The, you can send them down ai, rabbit holes. You’re not gonna stop them from the technology, the computer stuff. So give them something interesting and meaningful to study. Tell them to tell you all about it.

    Find out about soil. There’s interesting videos and books. If you can connect kids with food and disconnect them from the idea that everything has to come from the grocery store. We’ve solved so many problems at once. We’ve solved people, getting outside, getting fresh air. We’ve solved a nutrition problem.

    We’ve solved a sustainability problem. We’ve solved like a circular finance kind of thing. We’ve taken at least a little bit of the revenue from these giant places that don’t give a crap about you and probably put it somehow in some, unless you’re getting, everything from Home Depot.

    Find a nursery around you. Be really mindful. You were talking about grass fed beef to tell a personal story, I tried for a while to stop eating meat. And it was terribly unhealthy. My, and I was with a woman at the time who was like vegan while she was a power lifter, and we were doing all the beans and doing all the, doing all the food, right?

    I’m not a processed food kind of guy. Like I was eating a ton. I was doing my best with all the, mushrooms and chickpeas and black beans and all these ways you can get all your protein and all that. And my hair was brittle, my nails. I looked unhealthy, I had no energy, and I couldn’t eat enough by the end.

    And I started eating meat again and I instantly felt better. Like right away. There are just those people who are not gonna be vegetarians. We’re never gonna force veganism or vegetarianism on the world. As an American, I highly resent the idea that people would produce these like fake patties and try to convince us that it’s somehow healthier than, this processed fake meat is somehow a healthier and more environmentally sustainable alternative to animals.

    This idea to me, and I’m probably ruffling a lot of feathers when I say this good thing I did it at the end is I don’t think that burping or farting cows are an issue at all. I think that people who want to change what we feed these animals so that they’re less gassy, I think that is stupid. Sorry to be offensive.

    However, if we put these cows in pastures where there’s biodiversity, nobody’s talking about the methane, are there more grazing animals and cows now in the world? Or are there less trees, bigger cities, more people, entirely different cultures, right? And so I don’t think that, I don’t think that old things are the problem to our new or to our new or the cause of our new problems.

    I think the way we treat animals, the way that we farm, the way that we do all that is an issue. And so I’m less about these high tech solutions, the stuff you can spray on grass. I had a long conversation with a guy who said, it’s made from seaweed, and it’s so good and it’s so interesting. Like maybe that just doesn’t seem, that doesn’t seem like there’s a lot of common sense, and so I’m all for natural common sense solutions that make people healthier. I think where we spend our money matters. It really matters that you support that farm that’s trying to produce beef in a different way. Unless you want Bill Gates who owns all of your farmland to tell you, you know what nutrition is, you have to support the small farms.

    You have to support local. You have to care about what you’re putting in your body. You have to reconnect children and your family with plants, with this idea, even if it’s something simple, growing a flower watching a butterfly turn or caterpillar turn into a butterfly. All these little things they really, really add up.

    And that, so if you wanna do things in your life, care about where your money’s spent, care about the trash that you’re making. And I think in just a way, I’ve probably by now saved thousands of to-go cups by just bringing my own assuming a little personal responsibility, making the commitment to remember it.

    To clean it, you’re gonna forget whatever, right? And you need your coffee. You forgot that day. Ha. Like you said, have the grace with yourself to just take the to-go cup. That’s fine, right? As long as it’s not millions of people every day after day, billions of cups every day. I think if you’re a, an entrepreneur, a small business, consider, especially if you have a lot of regulars, consider rethinking how you do business.

    If you’re a young person and you wanna start a business, consider that. You don’t have to subscribe to the same rules that were laid out to you. Some of it makes sense and other things don’t. My favorite example is I bartended for a long time and people always wanted to go cup for their water, and I always dreamed of just being able to say no.

    If you want a glass of water, I will give you a glass of water. You can sit here, I’ll give you 10 glasses of water. You can drink all the water you want. If you have a bottle, I’m happy to fill your bottle up with water. I’m not giving you trash that we paid for, that you expect for free, that I’m gonna pick up in the parking lot later, half full anyway.

    Because you think right now that you’re thirsty, wherever you’re going is between five 20 minutes away, there’s water there, you’re gonna survive. That’s my dream for businesses is to say, no, that’s dumb. You expect something that is unreasonable, and this is actually how we play it here. Thank you for your understanding.

    Thank you for caring. I think there’s an overhead in business that comes simply from cultural expectations that can make it easier. You don’t want your food to get more expensive. Stop demanding garbage just comes to you automatically, like you deserve it. I can I got a lot of strong opinions about things and I sometimes I could use a prettier bow on the language.

    However, I like to just be really straight and that’s really what I think, is we can readdress, we can address our relationship with convenience, with what we expect from people. With what we see as disposable. We can reconnect children these kinds of things. And that’s in the small day-to-day life, we can control where our money goes.

    And they trick us with packaging and it’s okay to make mistakes, right? And we all have a computer connected to the world in our pocket that we can check on a brand if it’s really important, those are the ways I think you gotta always check the back. The front they say is advertising and the back is information.

    So always look at the back, your, that’s good of your products. And then when it comes to the big picture stuff, there’s a lot of big projects out there. A lot of really great ones. I personally wouldn’t plug any of them. Now I would take this moment to plug us at Planet a more like every single project, we always, the number one thing you can do for us or any project is if you have it, is always investment. Some sort of liquidity. Invest in infrastructure, invest in some way, find out, if you want to talk to us, I’m sure we can get all my info, my contact info to people. There’s tons of ways that people need always financial support to scale to make, to invest in technologies that they need in order to do this work in a good, transparent way.

    All the bad actors have forced those of us doing the right thing to really have to go through hoops to prove that we aren’t monsters that we aren’t taking advantage of anyone. Your data is a huge asset that all of us have. Your infor your attention and your data, sharing our social medias, all the social medias of projects, searching things train your algorithm to send you things that are more enriching, that are like our stuff.

    Share our stuff. We always need help with. If you’re an influencer out there and you wanna help share our stuff if you’re involved in a university and you want to team up with us and send some students out there and start doing some really interesting, 

    there you 

    go. Research, like, we are very open to public partnerships, private partnerships.

    We work, we plant trees with tourism companies, with hotels, with private investors. We do all kinds of things. Your attention sharing, educational research opportunities. If you have experience in this work already and you want to go and check it out and work with us, somehow there’s no.

    Partnership collaboration that I’m not willing to explore. I can’t say yes until we talk, but there’s any way that you’ve ever dreamed of to get involved in this kind of work. Fantastic. We export banana flour if one of our forest commodities is green plantain flour. And we’re looking for somebody who is interested to start importing that from us.

    Organic regenerative agriculture, it’s a resistant starch, so it doesn’t spike your blood sugar. It’s gluten-free. Super, super good stuff, really high quality. So we’re looking for a bakery, a restaurant, a retail shop, anything who’s interested in our banana flour, so 

    Kim Allchurch Flick: I love that. Well, Jason, thank you so much and they can find you@planetamor.org.

    Jason Yhost: Correct. And I am jason@planet-a-mor.org. It’s, so, it’s planet hyphen a hyphen MO r.org. So planet hyphen a planet more.org. So it’s kind of a little play on words there, more planet and planet love. 

    Kim Allchurch Flick: I love that. Well, this is a very rich topic and I think this set the record for one of the longest podcasts.

    And the reason being, it’s a very rich topic. There’s so much to it, but we can all do something. We can definitely find ways to support your work. And is there anything else you’d like to say in closing before we say Adios? 

    Jason Yhost: Thank you very much, Kim. It’s been really a joy. And happy to work together, Chad, anytime.

    And thanks to your listeners, for checking us out and we’re here and happy to work together, thank you. 

    Kim Allchurch Flick: Thanks for all the tips and everyone, thank you for listening, the planet’s really worth taking a look at, and even on small scales, seeing where we can make change because it can all be good when the right changes are made and the planet gets a chance to breathe.

    So much, Jason. 

    Jason Yhost: Thank you, Kim.

    Kim Allchurch Flick: Take care everyone. 

    This Episode’s Guest: Jason Yhost

    Planet A-more logo. Reforestation for nature and people. Certified B-Corp logo. A smiling child.

    Permaculture Designer in Miami, FL.  Born in San Diego.  Working with Planet-A-mor about 4 years.  Passionate about prosperity, joy, neighborliness, and celebrating cultural differences as gifts we give each other.

  • Navigating Carbon Emission Standards and Science-Based Targets with David Jaber of Climate Positive Consulting

    Navigating Carbon Emission Standards and Science-Based Targets with David Jaber of Climate Positive Consulting

    David Jaber, a strategy consultant and author of “Climate Positive Business,” joins Kim Allchurch Flick for discussions about the evolving landscape of carbon emission standards and corporate decarbonization.

    Jaber describes his path from chemical to environmental engineering, moving from pollution cleanup to preventing pollution through sustainability and then founding Climate Positive Consulting.

    He outlines decarbonization strategy as measuring emissions, setting meaningful reduction targets, and creating plans to achieve them, emphasizing science-based targets rooted in the 2015 Paris Climate Agreement and typically aimed at 2030.

    Challenges include meeting ambitious targets while businesses pursue growth, and how target structures can lock in suboptimal behavior. They discuss drivers such as customer pressure and ESG investors, the new B Corp standards’ approach for smaller versus larger companies, optimism from shifting mindsets, examples like Microsoft’s carbon removal spending, and place-based reciprocity with nature.

    Listen Now

    Time Stamps

    00:00 Welcome and Guest Intro

    01:03 David’s Sustainability Journey

    05:15 Why Business Can Move Fast

    07:39 Decarbonization Strategy Basics

    08:48 Science Based Targets Explained

    10:06 Challenges and Better Incentives

    13:29 What Drives Company Action

    15:42 Consumer Optimism and Innovation

    19:59 B Corp Standards and Carbon

    24:45 Mindsets and Holistic Returns

    26:51 Costa Rica Regeneration Story

    30:42 Place Based Reciprocity

    34:04 Measuring What Matters

    35:42 How to Connect and Closing

    Kim Allchurch Flick: Hello everyone. This is Kim Allchurch Flick and I’m delighted to be here with. David Jaber, who is a results driven strategy consultant who has worked with over 200 organizations over 20 plus years on environmental excellence. He is the author of Climate Positive Business, how you and your company Hit Bold Climate Goals and Go Net Zero.

    He is also a uc Berkeley instructor, a change climate consulting network member. And served as the first sprint course developer for tara.do, which has the mission to get a hundred million people working in climate. The topic today is the dynamic landscape of carbon emission standards. Big topic, super important.

    I’m so glad to have you here. And we met because of TEDu. I was a student and hope to remain a student, and we’re in B Corps circles, so I’m so excited to have you on this podcast. 

    David Jaber: Real pleasure to be here with you, Kim. 

    Kim Allchurch Flick: Thank you. So tell us a little bit of your background and what has been the journey and what values have developed along the way to lead you to this point in your career.

    David Jaber: I appreciate that question. As I think about this and have been periodically asked about it in the past. As I suspect you’ve seen, many of us get inspired by our relationships with nature early in life. I think for those of us who work in sort of environments and sustainability related fields, and I’d say that’s almost certainly the root drive in my case.

    But just maybe to provide a little more context in that and. I’ll start in college. So in college, as I was pursuing a chemical engineering degree, what I discovered in part because of this, patterning younger in life, is that environment was my real passion and that was what I was really motivated to work on.

    And so for a master’s degree, I pivoted to environmental engineering. And for those who are unfamiliar with this in environmental engineering, what you get trained to do, essentially, or what we were trained to do at the time, ’cause I think it’s actually changed since, is to clean up pollution, whether that’s an air, water, or land.

    And in the face of seeing a lot of intractable problems. So you set up these systems that were labor laboring for years to clean groundwater or brown fields. And maybe not getting the results that we wanted. That in me inspired this genius idea that maybe we shouldn’t pollute in the first place. 

    Kim Allchurch Flick: Yes.

    David Jaber: And so I looked around at that time, this would’ve been like the late nineties, and I did see that there was this emerging concept. Some were calling it sustainability. Some were calling it green business. Some were calling it pollution prevention. But it all revolved around this idea that we can run businesses better and prosper while preserving and maintaining kind of the health and vitality of life on the planet.

    So when I saw this, I’m like, that sounds exactly right. I shifted what I was doing and I, it took a couple years, but I landed a position as a sustainability consulting firm. So a firm that had set itself to do explicitly this. And this was at a time where it was very nascent. There were not many players.

    It was hard to find a lot of activity in the space. So this company was not only focused on climate ’cause you had to be broader. So we were doing things like looking at zero waste and site energy efficiency and green building standards and a lot of other things that I would now, I think people would consider beyond pure carbon consulting and the way we do it.

    So I built skills at this firm for several years and that provided the basis to build my own firm. The purpose now that I think probably saw from the training of mine that you participated in, my firm, climate Positive Consulting, is to address climate challenges, and that’s working with a key sector.

    Businesses. Businesses both have this outsized impact on climates, I think on my read, but I think even objectively, a lot of, a lot of people look to businesses as people driving a lot of the resource use. Businesses have this outsize impact on climate, but also this capacity to move quickly. I think that’s one of the real superpowers of the private sector that a lot of us who work with the private sector really appreciate the fact that if you can get leadership to decide to do something, things can move quite quickly.

    Once there’s that, impetus and it’s, you’ve set a goal. So business is this key leverage point. And I, I know I’m not the only one, but that’s essentially kind, you think where we’re at now.

    Kim Allchurch Flick: That’s a great quote. In the private sector, things can move quickly. It’s a key point because some people do perhaps feel that things can move very slowly, but that’s very encouraging. Yeah, exactly. And could you elaborate or do you have examples perhaps of an idea like how that might work 

    David Jaber: in terms of businesses just moving quickly?

    Kim Allchurch Flick: Yeah. What have you seen? Have you created or seen one that moves quickly? 

    David Jaber: I think it’s. I think less of an example is just more the quick decision making. Like people get very frustrated with kind of government, for example, because you’re trying to change policy and you’re grinding away from years and it’s this collective decision making.

    It’s more about if for your homeowner, you’re an individual homeowner you can make decisions that sort of affect your home very quickly in a way that’s different, that if you’re part of a multi-family and not, I’m not really trying to dump on collective process and cooperatives and things that have become more process around it.

    It just, you have more agility. 

    Kim Allchurch Flick: That makes so much sense. 

    David Jaber: Yeah. And then I guess the problem is that you also have a lot of agility to go into the wrong direction too, which is why businesses are holding, so much of the resource use because they have been able to 

    Kim Allchurch Flick: Indeed, 

    David Jaber: I would like to say, I would like to say we’ve seen more progress on climate action that we have.

    But I guess one example that, that comes to mind that people probably hear a lot about is just Microsoft moving quickly in the carbon removal space. Like they’ve, there’s not really regulation requiring it but they’re like developing this area and later on way we can get into offsets versus reducing emissions.

    Versus carbon removals. But carbon removals are this sort of special type of carbon offset that sort of costs more. But it’s a field that needs to be developed more because you’re actually measuring how much carbon that you’re drawing out of the air and that is something that, that certainly needs to happen one way or the other.

    So Microsoft has just gone ahead and spent, many millions of dollars to help develop this space in a way that hasn’t happened from other parties. 

    Kim Allchurch Flick: Wow, that’s impressive. I had no idea. But that’s, it’s like they’re on the leading edge before they’re being pushed to do it. They’re actually being a leader on the 

    David Jaber: Exactly.

    Kim Allchurch Flick: Conflict of it. 

    David Jaber: And businesses can move before regulations where regulations are acquired. And that’s from a strategic standpoint or other reasons, we think that that should be happening. 

    Kim Allchurch Flick: That’s a very good point. What are some of the challenges for those companies and also you in the community where there are leaders, but some are not and some are still holding back and waiting for legislation.

    David Jaber: Let me maybe provide a little context and just, I’ll also focus it in the basics of what we do, just so this is really grounded and where, my most of my expertise is gonna be. So I think we discussed earlier that we do climate consulting, and it’s specifically how I usually describe that is decarbonization strategy.

    And since that’s a little abstract, I’ll just try to break that down a bit further. So what that typically entails is measurement of business emissions. So you’re looking at the operations and value chain of a business to come up with numbers, essentially on different aspects of their operations to come up with their footprint.

    So at step one, you kinda measure the footprint. There, you see hotspots in where the emissions are, and that leads you to the second step, which is setting meaningful emissions reduction targets. 

    Kim Allchurch Flick: Okay, 

    David Jaber: so this is you’ve measured your emissions and now you’re setting a goal to reduce those emissions.

    And then the third step is to create a plan to bridge, where you currently are, what your baseline emissions are to actually hitting the target. I know you’ve seen from the work we did together, the the standard for those emission targets are what are called science-based targets.

    Kim Allchurch Flick: Right. 

    David Jaber: And you can essentially think of those as ambitious emissions reduction targets. They are aligned with climate science. The genesis of science-based targets came from the Paris Climate Agreement, which was the. Agreements internationally among countries in 2015 at the cop, those conference of parties conferences that happen every year to, for international discussions on climate in 2015 that was in Paris, so that’s why it’s called the Paris Climate Agreement.

    And at Paris countries agreed to limit warming to well under two degrees and make efforts and strive to limit it to 1.5 degrees. So these science-based targets translate those 1.5 and two degrees to percentage of emissions reduction. And so these are ambitious reduction targets because we do need carbon emissions to come down quickly.

    The deadline for those targets is typically 2030, and they’re generally asking you to do a lot this decade in, within this decade to bring down emissions. So your question was about challenges. One clear challenge is that, is these targets are challenging to hit, you generally do not have a clear line of sights in 2025 as to how you’ll hit the target even in 2030, let alone 2035.

    So the science is telling us one thing you need to reduce your missions. Business as usual is telling us another, a lot of companies are under pressure to grow revenue or at least maintain it. 

    Climate targets are telling you that you need to cap emissions. So there is going to be this inherent tension, assuming that growth of revenue is tied to growth of emissions.

    Historically, it’s been the case that those two things are tied. But in that last, but that’s really where the answer is. Finding ways to decouple growth of revenue or whatever your growth targets are with the growth of emissions. So that’s one challenge. 

    Kim Allchurch Flick: Okay. 

    David Jaber: Another challenge is more in the structure of how these targets are set up because.

    Like government regulations or other, even non-government like rules of operations. It locks you into doing some specific things. And I am, I’m just cautious of like how technical to get it be in this conversation without losing folks. But, the typical way you’ll see target set up is you set a baseline year, as I described earlier.

    You’re measuring your mission say in 2020, and then you’re saying in 2030, we wanna reduce it by X. That is one approach. It’s so dominance that it can be hard for people to think differently about decarbonization, but there are different ways that you could think about it. However, science-Based Targets has, if, for those that sign up for science-based targets, it is voluntary, but some 11,000 companies, mostly multinational companies, have already signed up for science-based targets.

    So they who are driving a lot of activity and they’re supply chains that are, hundreds of thousands of, probably millions of other companies at this point are basically pulled into this structure. 

    Kim Allchurch Flick: Okay, 

    David Jaber: you’re locked into this, the this approach, but another approach, for example, is you could look at benchmarks within a specific industry and really investigate who’s already exhibiting excellent performance on carbon, who’s already emitting very little given how much product they’re creating or how much economic activity they’re creating to where maybe they shouldn’t have to do anything for targets because they’re already doing performance.

    And you should put it all on the laggards. We just want these great performers just to outcompete the poor performers essentially. And there’s other ways we could get into about how to tackle the climate crisis, but I’m just one thing I’m aware of is the structures that we put around goals and targets and create incentives can lock in behavior and activity that might not be the best.

    The best sort of actions to take if we’re thinking about the climate crisis broadly. 

    Kim Allchurch Flick: Indeed, it’s, and what do you see as the possibilities?

    David Jaber: I think there’s a lot of possibilities just given how many, how much awareness has taken off in the last, 10 years, but even less around this imperative to act on climates. 

    I guess one thing I would say, as someone who works with companies that are voluntarily pursuing this, we now have more regulations coming into place, but it’s really been voluntary drivers, like I mentioned with science-based targets.

    Historically, I would say the number one reason companies have gotten involved is because a major customer has asked them to take climate action. So this would be oriented toward B2B or business to business. Companies where you could have just one customer that might be 10 or 20% of your business asking them to take action.

    So that might not be a government regulation, but if you view 10% or 20% of your revenue at risk, if you don’t do X, you’re probably going to do X. The reason I think we’ve seen such an uptick in this over the last six to eight years, I would say, is the ri the rise of the ESG investor. And certainly you could objectively look and see that ESG has come under attack and there’s been a lot of withdrawal in the last, one to two years.

    But the fact that we had so many investors and essentially the people holding the purse strings, at least signaling that they wanted environmental and social responsibility out of their investees drove. Attention and decision making from boards and corporate leadership in a very different way than it is if it’s just World Resources Institute and World Wildlife Fund, asking companies to, to take action.

    Sure. So the, I think the hope is, I think what’s inspiring is to see, how many sectors this thought process and this understanding has. Has become to where you’re driving serious action and serious intention. It’s just that, it’s just running against that challenge of like kind of growth in business as usual.

    I think that we’re not seeing as much action as we would we’d like. 

    Kim Allchurch Flick: Sure. So I’m gonna put myself in the. Framework of a consumer, which I am. Okay, sure. I’m also a service provider, so my impact on environment is just microscopic compared to large industries and yet awareness and education can really help with decisions, and I find as a consultant to B Corps mission driven companies is.

    Really seeing innovation and possibility and challenges, and I’m encouraged that. I think it’s been more over the last five to 10 years that there have been more innovations for how I, as a consumer look at climate and there’s the fossil fuels part of it. There’s waste and recycling part of it. There’s.

    Toxins part of it, like I was listening to Frontline last night about the carpet industry and the amount of PFAS that go into water that goes downstream and kills cattle. All these things that make the term climate an extraordinarily large issue and to parcel it out, but where I’m seeing innovations is regenerate certificates for agriculture.

    A hundred percent breastfeed. Fed beef is way different for the climate and health than factory farming. Also genetically engineered meat that doesn’t have a whole animal that’s a sentient being and is much cleaner to produce and doesn’t have, it has a totally different type of factory plant-based, and also in things like just home cleaning and laundry products.

    We used to, everything used to be in plastic, and now I’m seeing several companies that are coming out with plant-based zero plastic cleaning and laundry products that are doing the same. Good job. It’s not a compromise, and the prices aren’t too much higher. So I’m in this place of optimism. Also wanting to learn more and learning how to support these companies that are doing what you’re doing with what, four years left?

    It’s 2026 and 2030 seems really close.

    David Jaber: Right, it does. 

    Kim Allchurch Flick: And I was wondering, as you’re working with companies primarily. It’s encouraging to know that the customer voices in, in B2B are asking them to take action. And how do you see that improving or increasing and is B Corps and a framework with the new V 2.1 that has so much emphasis on these climate issues?

    How do you think that will build a framework into the future? For companies and consumers. 

    David Jaber: I will answer that if I can just touch back on something you said. 

    Kim Allchurch Flick: Yeah. 

    David Jaber: So I was talking about decoupling business, I’ll call it business success maybe, but more than business growth from carbon emissions.

    But you can certainly lay on decoupling from toxic materials. Or Habitat destruction. Or non circularity and look at a lot of different things. For this greater sense of environmental and social responsibility that I was talking about or I was listening to I, Rebecca Solnit, who’s been very influential and I think an impressive writer was talking about, thinking about reciprocity rather than responsibility, which I appreciate ’cause that recognizes you something versus just are gi giving something back and more sacrificial.

    So I think whether this sort of these reciprocal relationships where things can be 100% renewable, non-toxic, clean, bio-based, circular that’s the holy grail here, right? And the challenge is working in a system that’s been built around, fossil fuel availability.

    And materials that aren’t passing all the sort of the toxicity tests. It’s like we have to redesign ourselves, our ourselves, our businesses, our processes, out of that. And it, that just takes kinda resources and investment. So it’s also part of the challenge. So I know you asked about V 2.1 in B Corps, but I’ll have to ask you to remind me the first part of that question.

    Kim Allchurch Flick: In the new standards, there is emphasis on carbon accounting, scope one, two, and three for companies that will be doing their recertifications or first certifications in the new standards, which starts actually today, February 2nd, 2026. This is the launch date. 

    David Jaber: Welcome B Corporations 

    Kim Allchurch Flick: Yes. 

    David Jaber: To the new standards.

    Kim Allchurch Flick: Yeah. So it’s all new to all of us. Yeah. And we know the, in the environmental segment of the standards, which have many pillars but environment being one of them, these things that you’re just talking about, carbon accounting, making changes over time and improving is built into. Into the goals to become a B Corps under the new standards.

    David Jaber: It is, and at the same time, they B Lab did recognize the burden that this could have put on small and medium sized companies. So they shifted the onus from measuring your missions to just taking climate actions for those that are under the medium threshold, which I was pretty generous as I recall, like 250 employees.

    And maybe 75 million in revenue. And I’d have to go back to see what the actual numbers were in the latest, but. And I think that’s exactly right. Another challenge that I didn’t get into earlier is how much efforts for sustainability professionals, it is put into measuring and reporting, but not actually driving improvements.

    And there’s reasons for that. Driving improvements means you have to like change systems and get buy-in and kind of work, cross departmentally. We’re measuring, you’re just looking at what was already done without really changing anything and then reporting that you’re just, telling people what you found.

    It’s a different level of intervention. But, so the fact that I think B Lab, I think it makes sense to say, okay. For those of you that are smaller and maybe have less resources to drive this forward we just want you to focus on. Taking climate action now buried in that, they say then you basically need to have some way of like measuring or gauging progress toward your actions.

    So it, it does suggest you do still need to do some level of measurement and that could still be measuring your carbon emissions and seeing what impact, if you decided where we’re gonna source. We recycled content packaging, or we’re gonna do LEDs in our warehouse, or we’re going to incorporate EVs into our fleets.

    Like you’re still gonna need some way. Measure that. And then for the larger companies that you mentioned, they have to go through essentially the process that I mentioned earlier in terms of setting science-based targets. Or the equivalent of science-based targets. They do have like a separate pathway, but essentially you’re setting a science-based target.

    You’re measuring your baseline emissions, and then you’re, pushing forward on your transition plan. You’ll see in, for those of you that are B Corps listening to this. There’s the Language Action plan versus transition plan. So action plan would be for smaller companies, transition plan is for larger companies, but essentially it’s the same thing.

    Transition plan. Just has a few other features like looking at the financing one. 

    Kim Allchurch Flick: Yeah. And that makes sense. And it’s good always to recognize sectors are different size. Is different service is way different than manufacturing or CPG consumer products or retail or.

    Transportation, things of that nature. So thank you for delineating that for us. I think also wrapping our heads around the fact that the SBA still labels small business as 5 million or 50 employees or less, and to service providers who might be solopreneurs. That feels way different. To be categorized as small as well, and there’s a huge difference in that.

    But I think what you’re doing in talking here is so important to, the more we learn about this, the more we can realize who to support, either as partners, suppliers, and who to support as consumers, because we understand that they’re taking transitional measures or they’re moving forward.

    And how, what makes you optimistic about that potential? That people trying to wrap our arms around this and understand it, because climate is such a big topic. A lot of times it’s not easy to understand what measuring that even means, but we’re moving forward. 

    David Jaber: You’ve mentioned different types of certifications a few times and, I think this maybe gets more to action. So I’ll go back to the optimism importance of question. You had mentioned awareness earlier. I think one thing, and we got into that a little earlier, but one thing that does make me optimistic is mindsets. And I will say as a caveat, so as a person of action, I see myself as someone trying to drive action.

    I do believe intentions need to manifest as action, mindset, and awareness isn’t enough. But it is honestly inspiring to see how many mindsets have been shifted in all these directions that we’ve been discussing. So there’s so many people that are seeking, genuine climate action, real reciprocity with communities and employees, seeking ways to ensure everyone benefits from company success.

    That could be employee ownership, but there’s other, models of stop auction programs and other ways to look at this. But then maybe even more fundamentally, and particularly with businesses, finding ways to think about more holistic returns and not just financial returns.

    So what other benefits are you creating in your pathway to generating revenue? Is that worker and community quality of life? Is that habitat revitalized? Is that cleaner? Air, water, and soil? There are a lot of ways to think about holistic returns. I know we see that sort of in the organic agriculture community.

    ’cause sometimes there’s pushback. It’s the yields aren’t quite the same as conventional. But you have to look at, yeah, but how are we supporting kind of local biodiversity and local ecology? And human health for those that are concerned about, pesticide residues. I think there’s a lot of different ways to think about return broadly.

    And then the trick again is to have financial systems that recognize that. So organic produce, usually you would get a premium on that. And there’s a reason because, people are recogniz ultimately people are recognizing these benefits. 

    Kim Allchurch Flick: Wow. That, and it’s so encouraging and I think.

    We’re seeing kts of that and also globally because the, it’s a global issue. I’m gonna share just a brief thing that gave me a lot of optimism for the first time in seven years, my husband and I actually got to take a vacation outta the country ’cause there was COVID and things. And we decided to go to Costa Rica and stay only in eco lodges.

    And regenerative Ag Farms where we ate what they produced on the land and in, in hikes with naturalists to a person, they said that Costa Rica had been down as far as down to 20 per 5% forest, which means about roughly 75% deforestation in a rainforest and mono cropp. Some things that were not done well and over the past 30 years or so, they’ve been really working to reclaim that.

    And the tours we went on, the looks we had at it, they are now up to 50% for in Costa Rica. And they, there’s still some things that are monocrop. There’s still some things that are industrial farming, but yet it seems to be working. On a pretty grand scale with a few hectares here, a few hectares there of farmers that are really being biodiverse farmers.

    These are active farms with biodiversity. So you have a cacao tree next to a palm tree next to the ground covers that are attracting the pollinators and they’re not in rows. Nature doesn’t plant in rows by herself and. It was fascinating to me, and my background is a biology major and I live in a forest that I’m actively rewilding and it just, it’s wow, there’s potential.

    It doesn’t take that many people and it takes, and the people who work on these farms seems so happy and they’re just. Devoted to it. And there was a lodge that we stayed in. We stayed on the two different coasts and one had been just pasture and 15 years later, this this place is not a farm. It’s a resort that’s very.

    Very low impact on the com, on the environment replanted and the owner said in the first year, the birds started coming back a few and then more birds than some pollinators took five years for the monkeys to come back. Now the biodiversity is everywhere and so it’s possible, and I think that’s one of the things I wanted to share here, because you started out seeing your.

    You love the environment, you wanna care for it for landscapes and possibility. There is possibility and we can all do things. And these are very reciprocal and it also impacts a country and is they’re using more organic and they’re exporting more organic than the basic large industry agriculture that they had just a few decades ago.

    David Jaber: So 

    Kim Allchurch Flick: What’s as an example? 

    David Jaber: Yeah, 

    Kim Allchurch Flick: I’m sorry. 

    David Jaber: What’s interesting about that is Costa Rica has had this reputation for like ecotourism and taking care of habitat, but the fact that it’s filtered into sort of farming practices. ’cause sometimes those worlds can be very separated, right?

    So farmers are just doing what they’ve, what they were doing, and then you have certain nature and sometimes there’s tension there. So if it’s more integrated, that is really promising. 

    Kim Allchurch Flick: It really is. It’s I just am so enjoying talking with you about this. It still seems like a very big topic, and yet you’ve helped us parcel down to some specifics which are important.

    Is there anything more you’d like to share and also your love of the environment on a personal level what do you see there that you’d like to share?

    David Jaber: I find it important to also be place-based. Climate can be seen as a global issue. And it, from a mission standpoint and the way it affects the atmosphere, there’s reasons for that. Although the impacts come down to hit local places, but. One. One aspect of that is just really viewing myself as part of, local ecology.

    Being even identifying with sort of the watershed and really just trying to understand you how water and nature and other natural systems kind of work on this kind of local landscape. Realize that I’m just an animal on this landscape, like the other animals I’m observing, whether that’s acorn woodpeckers, California, quail, ground, squirrels, whatever.

    There, there are some very functional differences around that because all those other beings I just mentioned they don’t have all ev all the resources they use are locally based. So they’re integrated in a way that those of us who have. Supply chains that are, all over the world are different.

    We’re bringing in external resources and so that for one just, boosts, boosts our population. So there’s that much more of us that there wouldn’t be if we were all just harvesting from local landscape. But I think I think there’s ways certainly to be very mindful of kind of your role in the landscape.

    See yourself as part of it, not separate. ’cause I think this. My indi indigenous oriented teachers that, that I’ve had and I know have influenced others, I think really have helped us challenge this artificial divide between, kind of people supposing to be in like urban developed ugly spaces and then nature separate over here that’s supposed to be preserved in pristine.

    And I think we, we need an integration of those worlds. We need an integration of kind of our, even mindset around that.

    Kim Allchurch Flick: Yeah, I can totally concur with that. It’s, there’s so much to learn. Robin Wall Kimer books talk about reciprocity, not extraction, and I started framing purchases or thought processes around if this is extracting, is there another way, do I have to settle? And often the answer is. No, not if I really think about it.

    And I, I just love the gentleness that she brings to that thought process. And I do believe there’s a lot of, no matter where we are in the United States, there is ancestral Native American wisdom about agriculture, land, and reciprocity everywhere. And every once in a while. If there’s a book about it or someone local is speaking, and I’ve been lucky enough to capture some of those.

    A couple of chiefs have talked about what it was like when they were grow growing up and how different it is and how they were told they weren’t managing their land well enough, even, a few decades ago, and how actually they were managing it quite well. And what that different perspective means.

    So it’s very encouraging that people like you are really starting to take a look at what does it mean to be reciprocal? What does it mean to do less harm? What does it mean to think before we act? And what does it mean to be supportive of the heavy hitters who are making decisions? And we can vote with our wallets as well.

    David Jaber: Yeah, exactly. Yeah. In making judgements on whether or not someone’s managing lands, it actually comes back to what you’re measuring. Are you just measuring yield of a specific thing or are you taking measures of ecological health? And sometimes I think, some, sometimes people aren’t even aware of what you decide to measure and how you measure it can actually, will drive behavior in specific directions that may not, still not be the right direction to go.

    Whether that’s GDP for a country or any number of things. 

    Kim Allchurch Flick: Yeah. That’s fascinating too. It is. And there’s a film called Serengeti Rules is one, it’s just more global about letting nature reclaim and kiss the ground, and the sequel is common ground. If you’ve seen those, the story of a farmer who decides to change the ways of doing all the tilling, that when you see the dust in the air and the soil is losing, its fundamental ability to be healthy.

    And without healthy soil there’s healthy nothing because things grow in soil. And how there’s two farms side by side where one is still doing the standard practices. The way it still looks, brown and dusty and the man who decided to stop and did more of a reclamation, regenerative no-till farming.

    And there’s a line that they’re totally different. One looks green and verdant and productive and the other is not. And we can do this, we can think about it that way from the soil upward.

    And it can be measured ’cause biodiversity can be measured. 

    David Jaber: Yeah. 

    Kim Allchurch Flick: It’s really fascinating. What else would you like to share about what you do, who you can help, and how can people reach you?

    David Jaber: We’ve mentioned I primarily work with businesses, but for those representing businesses or those interested in the space, you can certainly go to our website, www.climatepositiveconsulting.com. The best place to find me on socials would be LinkedIn, and if you just search for David Jaber, I should come up pretty quick.

    Kim Allchurch Flick: Great. Thank you so much. And final question, if you could have dinner with up to three people living or deceased, who would they be and why? So you could have a table of four or less I, 

    David Jaber: interesting question and so many possibilities.

    I think one person I would want to have there was Wangari Mata.

    And I’ll probably stick with this theme of people who have had to face like immense challenges and came up managed to drive things. I’ll also add Gandhi and for my third, let’s go with Abraham Lincoln. 

    Kim Allchurch Flick: Wow, that’s gonna be an amazing 

    David Jaber: conversation.

    It would be a pretty interesting conversation. Yes. Have no idea how it would go, but

    you definitely have three people there that had a diverse set of like big challenges to tackle. So that’s I think I can see some learning coming from that. 

    Kim Allchurch Flick: Oh, that would be incredible. David, thank you so much. Really appreciate this. This is Kim Allchurch Flick signing off.

    Be safe. We appreciate you and goodbye. 

    This Episode’s Guest: David Jaber

    Professional headshot of David Jaber of Climate Positive Consulting. He's smiling and wearing a suit.

    David is a results-driven strategy consultant who has worked with over 200 organizations over 20+ years on environmental excellence. He is the author of “Climate Positive Business: How You and Your Company Hit Bold Climate Goals and Go Net Zero”. He is also a UC Berkeley instructor, a Change Climate consulting network member and served as the first sprint course developer for http://Terra.do , which has the mission to get 100 million people working in climate.

  • Building an Impact-Driven Business

    Building an Impact-Driven Business

    Why Purpose Matters More Than Ever in 2025

    As we step into 2025, the business landscape is changing faster than ever. An impact-driven business is no longer a nice-to-have; it’s becoming essential for standing out and succeeding in today’s socially conscious marketplace. It’s increasingly clear that consumers are looking for cause-driven companies that show their values – and it takes intentional strategy to help those consumers find your business.

    This post will explore why purpose matters more than ever, the unique advantages of building an impact-driven business, and actionable steps you can take to embed purpose into your operations. Whether you’re a solopreneur or the leader of a small business, now is the time to align your work with your values—and see the lasting benefits it can bring.

    Why Purpose Matters, and the Benefits of Being an Impact-Driven Business

    As we move into 2025, businesses that prioritize purpose over profits are thriving. Consumers, employees, and investors are demanding that companies contribute to a better world. This shift has made being an impact-driven business not only a moral imperative but also a strategic advantage. Let’s explore why purpose matters and the benefits it brings to businesses today.

    Benefits of being an impact-driven business: 1. changing consumer expectations: trust through shared values. 2. Employee engagement: the power of purpose at work. 3. Investor interest: Profit with purpose. 4. Competitive edge and long-term resilience. 5. Stronger stakeholder relationships from employees and customers to suppliers and communities.

    Changing Consumer Expectations: Trust Through Shared Values

    Consumers are increasingly making purchasing decisions based on values, with Millennials and Gen Z leading the charge. According to Deloitte’s Global Marketing Trends report, 57% of consumers say they are more loyal to brands that actively address social inequities. This loyalty translates into long-term customer relationships, which are key to sustainable growth.

    Take Patagonia as an example. The outdoor retailer’s mission to combat climate change and promote environmental stewardship has created a loyal customer base that sees its purchases as contributing to a greater good. Smaller businesses can also win over conscious consumers by adopting clear, authentic purpose-driven initiatives—whether it’s ethical sourcing, supporting local causes, or committing to sustainability.

    Employee Engagement: The Power of Purpose at Work

    Employees are no longer content with just earning a paycheck; they want to work for organizations that align with their values. A strong mission not only attracts top talent but also keeps them engaged. Gallup data shows that employees who feel their company’s mission connects to their work are significantly more engaged, reducing turnover costs and increasing productivity.

    For instance, Ben & Jerry’s has long embedded social activism into its operations, creating a workplace where employees feel empowered to make a difference. Purpose-driven businesses foster innovation, engagement, and loyalty, making purpose an essential part of building a thriving workplace culture.

    Investor Interest: Profit with Purpose

    Investors increasingly see value in purpose-driven companies, especially those focused on Environmental, Social, and Governance (ESG) initiatives. According to Morningstar, global ESG fund assets grew from $3.1 trillion to $3.3 trillion in the third quarter of 2024—a 6.45% increase in just three months. This growth signals the financial world’s confidence in businesses that address long-term social and environmental challenges.

    Unilever’s commitment to sustainability has led to remarkable success, with its purpose-led brands making up more than half of the company’s total revenue. Investors recognize that companies with clear missions are more resilient and better equipped to navigate risks, making purpose a smart business strategy for attracting capital.

    Competitive Edge and Long-Term Resilience

    In crowded markets, standing out can be tough. An impact-driven business differentiates itself by offering more than just a product—it offers a mission. According to Deloitte, 46% of consumers purchased at least one sustainable product or service in April 2023, demonstrating a growing demand for purpose-driven brands.

    Grove Collaborative, a small business specializing in sustainable household products, has carved out a loyal following by prioritizing eco-conscious packaging and carbon neutrality. Purpose also builds resilience: companies like Beyond Meat have successfully weathered market shifts by staying committed to their vision of reducing the environmental impact of food systems.

    Stronger Stakeholder Relationships

    A commitment to purpose strengthens relationships across all stakeholders, from employees and customers to suppliers and communities. Businesses that act transparently and authentically build trust and foster deeper connections. By leading with a clear mission, businesses can inspire employees, attract investors, and make a lasting impact on the world.

    Now is the time to embrace purpose as the foundation of your business. When you align your work with a meaningful mission, you not only set yourself apart… you set yourself up for long-term growth and success.

    Key Steps to Building a Purpose-Driven Business

    Building an impact-driven business starts with intentionality and a clear strategy. Purpose isn’t just a statement on your website – it’s an ongoing commitment that should be woven into your operations, culture, and decision-making processes. Here are actionable steps to help you align your business with purpose and make a lasting impact.

    Key steps to building a purpose-driven business.
Who: Define your audience.
Goals: embed purpose into your operations.
Data: Measure and track your impact.
Share: Tell your impact story.
Credibility: Prepare for certifications.

    1. Define and Communicate Your Purpose

    Every purpose-driven business begins with clarity. Ask yourself: What does your business stand for beyond profit? Defining your purpose means identifying the core values that guide your decisions and the impact you want to make.

    Actionable Tip: Write a concise mission statement that highlights your “why.” For example, Patagonia’s mission – “We’re in business to save our home planet” – communicates its values clearly and succinctly. Your mission should reflect not only your business goals but also the change you aim to create in the world.

    Once defined, communicate your purpose consistently across your website, social media, and internal channels. Transparency builds trust, so make sure your message is both authentic and actionable.

    2. Embed Purpose Into Your Operations

    Having a clear purpose is only the beginning. To create real impact, your purpose must guide your day-to-day operations. This includes everything from sourcing and production to employee policies and community engagement.

    Actionable Tip: Choose operational practices that align with your values. For instance, prioritize sustainable sourcing, implement fair labor practices, or reduce waste in your supply chain. 

    Internally, create a culture of purpose by involving employees in initiatives that align with your mission. Whether it’s volunteer programs, inclusive hiring practices, or wellness benefits, integrating purpose into the workplace fosters engagement and loyalty.

    3. Measure and Track Your Impact

    Purpose-driven businesses stand out because they back up their commitments with measurable outcomes. By tracking your social and environmental impact, you demonstrate transparency and accountability to your stakeholders.

    Actionable Tip: Implement metrics to measure your impact. For example, if your mission includes sustainability, track your carbon footprint, energy use, or waste reduction efforts. Tools like B Lab’s Impact Assessment or simple tracking spreadsheets can help small businesses monitor their progress effectively.

    Make measurement an ongoing process by setting clear goals and regularly evaluating your progress. This data not only ensures continuous improvement but also serves as a foundation for authentic storytelling.

    4. Tell Your Impact Story

    Purpose isn’t just about what you do – it’s about how you share it. Customers, employees, and investors want to see the difference you’re making. By sharing your impact story, you can build trust, strengthen your reputation, and inspire others to join your mission.

    Actionable Tip: Use data and real-life examples to communicate your impact. For instance, if your business supports local nonprofits, share testimonials from the organizations or the individuals they serve. Visual storytelling – like infographics, short videos, or case studies – can make your message more compelling and memorable.

    Be honest about challenges, too. Transparency around both successes and obstacles shows authenticity and fosters deeper connections with your audience.

    5. Prepare for Certifications

    Certifications like B Corp or Benefit Corporation for Good are powerful tools for solidifying your credibility as a purpose-driven business. These certifications not only provide guidelines for impact but also signal to stakeholders that you’re committed to high standards of accountability.

    Actionable Tip: Start with the basics. Take a preliminary assessment through B Lab to understand your current impact and identify areas for improvement. Certifications often focus on areas like governance, environmental responsibility, and employee well-being, so align your goals accordingly.

    Even if you’re not ready for full certification, the process itself can guide your efforts and serve as a roadmap for embedding purpose into every level of your business.

    Purpose in Action

    Building a purpose-driven business requires more than good intentions – it requires a commitment to aligning your operations, culture, and goals with your mission. By defining your purpose, embedding it into daily practices, measuring your impact, and sharing your story, you set the stage for lasting success.

    These steps not only help your business stand out – they ensure your work contributes to the meaningful change the world needs.

    The Mighty Impacts Continuum Can Support Your Purpose-Driven Journey

    Building an impact-driven business is a rewarding but complex journey. From defining your purpose to tracking your impact and preparing for certifications, it can feel overwhelming to tackle these steps alone. 

    That’s where the Mighty Impacts Continuum comes in – a program designed to guide businesses like yours through every stage of embedding purpose into your operations.

    A Tailored Approach to Purpose-Driven Success

    The Mighty Impacts Continuum is not a one-size-fits-all solution. It’s a customized roadmap for solopreneurs and small business owners looking to align their work with their values while achieving measurable results. Whether you’re just starting or looking to deepen your impact, this program provides the tools, expertise, and community you need to succeed.

    Key Features of the Mighty Impacts Continuum:

    1. Expert-Led Guidance: Access personalized coaching and workshops led by experts who specialize in benefit reporting, certifications, and equity-centered practices.
    2. Practical Tools: Receive templates, checklists, and resources to simplify complex processes like impact tracking and operational improvements.
    3. Community Support: Join a network of like-minded business leaders who share your commitment to making a difference. Collaborate, share insights, and grow together.
    4. Step-by-Step Frameworks: Learn actionable strategies for defining your mission, embedding purpose into your operations, and preparing for certifications like B Corp.
    Mighty Impacts Continuum: As a member, you'll experience... (1) Expert led classes. (2) Community and connection. (3) Hands-on learning. (4) Structured path to certification. (5) Private one-on-one support. (6) On-demand access.

    Designed for Real Impact

    The Mighty Impacts Continuum is rooted in the principles of equity, sustainability, and human-centered design. It’s not about checking boxes—it’s about making real, meaningful changes that benefit your business, your stakeholders, and the world around you.

    What you’ll gain:

    • Clarity: Define your purpose and align it with your long-term goals.
    • Accountability: Track your impact with confidence using proven tools and frameworks.
    • Credibility: Prepare for certifications that showcase your commitment to purpose and accountability.
    • Resilience: Build a business that thrives through market shifts by centering purpose at its core.

    A Path to Long-Term Growth

    The program doesn’t just focus on immediate improvements—it’s designed to help you create a foundation for sustained impact and growth. By joining the Mighty Impacts Continuum, you’ll gain insights that empower you to lead with confidence, adapt to challenges, and continually improve year after year.

    Curious to Learn More?

    Building a purpose-driven business is more achievable with the right tools, guidance, and community by your side. The Mighty Impacts Continuum provides all of this—and more.

    Learn more about the Mighty Impacts Continuum and how you can access a transformative program that helps you align with your purpose, make measurable impacts, and achieve lasting success. Together, we can create businesses that truly make a difference.

    2025 Is the Year to Lead with Purpose

    As we step into 2025, the call for businesses to prioritize purpose has never been louder – or more critical. Customers are seeking brands that align with their values. Employees are drawn to workplaces where they can make a meaningful difference. Investors are rewarding companies that prioritize resilience and responsibility. The future belongs to businesses that lead with purpose.

    Being an impact-driven business is not just about doing the right thing – it’s about building trust, fostering loyalty, and creating long-term growth. By aligning your mission with your operations, measuring your impact, and sharing your story authentically, you can set yourself apart in a crowded marketplace while making a meaningful difference in the world.

    2025 is your opportunity to lead with purpose. Whether you’re just starting your journey or looking to deepen your impact, the tools and resources are within reach. Programs like the Mighty Impacts Continuum provide the support you need to navigate this path confidently and successfully.

    Together, we can make 2025 the year of purpose-driven leadership.

  • Pitch Black 2024: Mighty Bright Spots Amid Ongoing Setbacks

    Pitch Black 2024: Mighty Bright Spots Amid Ongoing Setbacks

    Pitch Black 2024 #pitchblackpdx Black entrepreneur competition awards

    February is Black History Month – History Matters Always!

    Earlier this month, I had the pleasure of attending Pitch Black 2024 in Portland. The annual event was founded by Stephen Green in response to statistics showing that year over year, decade over decade, BIPOC (Black, Indigenous, and People of Color) founders have been consistently underfunded. The Event, now in several cities, sells out every year and creates a fun way to provide access to money and exposure to BIPOC-owned companies. These companies are groundbreaking, founded by people creating solutions to real community issues.

    (I’ve only missed one #PitchBlackPDX event because it was sold out – I learned my lesson- I was not about to miss Pitch Black 2024!)

    PitchBlack spotlights entrepreneurs with companies or new ideas who pitch those concepts to an audience. Organizer Stephen Green previously said the event that started in 2015 is as much of a pitch event as it is an entertainment one.

    “(This) is the opportunity for a community to show out and reframe what it is to be a Black business. People get in the room and have no idea the breadth of different things Black businesses are doing. Whether they (go on to) make billions, that isn’t what this event is about,” Green previously said.

    Portland Business Journal
    White Black wealth gap disparities

    Stephen and many advocates rally support and make the issues known to state and local government decision-makers. And yet many BIPOC people are still behind. What Would It Take To Close America’s Black-White Wealth Gap? is a recent article showing there’s a long way to go.

    Pitch Black and research shows that Black-owned businesses can thrive and contribute to the community and to their generational wealth. The data is out there. And yet things are slow to change, in some cases, including real estate, wealth building for Black people is even going backward. * The Color of Law is an incredible book in this regard, by Richard Rothstein. Why is progress so slow, the history of these disparities is long. Together we can do better

    Call to Action – How can we help?

    Black entrepreneurs are three times as likely as white entrepreneurs to say that a lack of access to capital negatively affects their businesses’ profitability and almost twice as likely to cite the cost of capital.

    McKinsey – Building supportive ecosystems for Black-Owned US Businesses

    There are many ways that we can help, both as individuals and as companies:

    1. Choose where we spend money – There are directories for Black, BIPOC, and LGBTQIA-owned businesses in my local area, search for some in the cities close to you.
    2. Shopping local – This is a good way to keep money in the community. Stephen Green has a TEDxPDX talk on this called Cheat More!
    3. Hire BIPOC contractors – When searching for contractors, be intentional to look for BIPOC contractors, and ask for referrals.
    4. Improve the equity landscape in your company – I recommend starting with this TIME article: 9 Things Corporations Should Do To Address Racial Inequality.
    5. Keep Learning – I recommend the book *Micro Activism by Omkari Williams (featured in this newsletter of Feb 2024).
    6. Connect on Social Media – Push Black is a great resource for learning history and taking action too, with daily, short educational posts on Messenger.

    The more we know, the more we can look for ways to advocate for, and contribute to making change. Without improving equity and access, capital and legislation, communities will continue to suffer.

    The Portland Business Journal has written about the lack of Black, BIPOC business funding year after year. And these issues are not unique to Portland. Awareness can bring us all to action.

    What will you do?

    Advocacy and activism are good places to start. Focus your money and support. Look for and create bright spots like Pitch Black!

    Thank you for reading, please share your thoughts and ideas.

    With respect and gratitude,

    Kim.

    Mighty Epiphyte Consulting is a full-service Benefit Company consulting firm along the Impacts Continuum, coaching for all social enterprise companies. And we’ll help with certifications and benefit report writing! advocate@mightyepiphyte.com #mightyadvocate Mighty Epiphyte Consulting is an Equity Centered Practice. *affiliate link to bookshop.org

    Certified Equity-Centered Coach Credentials from The Institute of Equity-Centered Coaching
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