Faith, Finance, and Fighting Cancer: The Story of Dan Korhorn

In this inspiring episode of The Real West Michigan Podcast, Eldon Palmer sits down with longtime friend, neighbor, and financial advisor Dan Korhorn, founder of Pathway Financial. Dan shares his incredible journey from humble beginnings on a celery farm to running a multi-office financial firm—all while managing partnerships, family life, and most recently, a stage 4 cancer diagnosis. He opens up about what it means to live with purpose, face the unknown with faith, and how business, family, and community intersect in times of hardship. Whether you're an entrepreneur, a parent, or someone navigating a tough season, Dan’s story will leave you with perspective, encouragement, and a renewed appreciation for perseverance.

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This episode is brought to you by: ThePalmer.Group - West Michigan's Real Estate Problem Solvers. Whether you want to Buy, Sell, or Build, they are ready to serve.

💡 5 Powerful Takeaways:

1. Purpose > Productivity:
   Even amid a terminal diagnosis, Dan emphasizes the importance of staying busy with purpose—not just for distraction, but to stay alive in spirit as much as body.
2. Hard Work and Grit Still Matter:
   Dan’s path from blue-collar labor to business ownership shows that perseverance and work ethic can still outpace privilege or pedigree.
3. Faith Anchors the Storm:
   Through his cancer journey, Dan finds peace and stability in his faith—crediting his calm outlook and resilience to knowing there's a bigger plan at work.
4. Emotion is the Real Market Volatility:
   In both finance and life, the biggest challenge isn’t numbers—it’s managing people’s emotions. Dan’s advice: stay the course, especially when fear makes you want to flee.
5. Balance Is Seasonal, Not Static:
   Building a business took years of imbalance, long hours, and sacrifice—but over time, Dan learned to design his work around family, not the other way around.

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Chapters

• 0:00 Managing People's Emotions in Finance
• 5:12 From Farming to Financial Planning
• 16:42 Building Pathway Financial Design
• 29:00 Finding Work-Life Balance
• 42:35 Providing Holistic Financial Services
• 54:41 Cancer Diagnosis and Treatment Journey
• 1:06:23 Living Intentionally With Limited Time
• 1:14:03 Wisdom From Life's Challenges

Transcript

Dan Korhorn: 0:00

And so if I were to say what's the biggest obstacle I hurdle, it's managing people's emotions. It isn't about managing them as much as managing their emotions.

Eldon Palmer: 0:07

Welcome back. Today we have Dan Corhorn, a friend, a business owner, owner of Pathway Financial and my neighbor, among many other things. Dan, welcome to the podcast. Thanks for having me. Yeah, you're welcome. Let's just get started with little Dan. I guess that's kind of where I usually start. What was it like? Where'd you grow up?

Dan Korhorn: 0:29

Grew up in Ada, I think my parents built the fourth house on Hall Street, which is the same street. Forest Hill Central High School is on. School wasn't even there at the time, about a mile away from where my father grew up. So my grandparents were a mile away in the house that he grew up on, about a mile away from where my father grew up. So my grandparents were a mile away in the house that he grew up on in and so, yeah, they still live there. You know, 55 years later, same house. Yeah, so, young kid, my dad had worked at the local farm around the corner William Boss Greenhouse, still in existence, and at the time there was Coots here across the street and they were. They're family, they they're actually related, but it was one business back then and, um, I don't know, maybe eight or nine years old, it was time to go to work and so it was bean picking time and so little dan got on his bike and rode over the mile, and this was back when kids could ride their bikes.

Dan Korhorn: 1:19

You know, oh yeah they wanted and um, I got paid 10 cents a pound to pick green beans in the mornings for a couple days a week.

Dan Korhorn: 1:26

So, that's where it started, evolved out of that. There was, you know, in the same neighboring farmland there was a celery farm, and so I spent the bulk of my young, early youth and teenage years on a celery farm, in the summertime sitting on a celery planter and getting to the harvest time, you know, carrying irrigation pipes down a 500 yard field and you know goose stepping over wet celery and after school harvesting cabbage and still driving it down to JA Bestman and delivering it in a Ford Custom Deluxe for the three on the tree when you're 17 years old. And then I transitioned into the neighboring greenhouse. It was, you know, more year-round work, and so one of my best friends and his brother owned that company still in existence and that's kind of my young through high school years was mainly farming and whether it be, you know, perennials, annuals, greenhouse vegetables, things like that.

Eldon Palmer: 2:17

So that's where it all started yeah, I, it was kind of similar, like when you're kind of around the edges, like picking asparagus and throwing hay was kind of similar, like when you're kind of around the edges, like picking asparagus and throwing hay was kind of my first gigs.

Dan Korhorn: 2:27

And when you were the young one, in the loft of the barn on a Saturday at 630 at night on a low elevator when it's 130 degrees.

Eldon Palmer: 2:33

Yeah, but it teaches you work ethic for sure it does Everything else. Education becomes easier after that easier after that.

Dan Korhorn: 2:47

So in high school I had started to develop through an economics class. I kind of had developed this kind of fascination a little bit with the markets and things like that. And back then we kind of did the you know six weeks of buy stock and sell stock and I don't remember if I made any money on paper or not, but it kind of got this penchant for the investment side. But I still had this passion for my hands on working carpentry. And so my senior year of high school and the year after I ended up going to Kent Skill Center and did residential construction where we built the house and I just kind of fell in love with that kind of work and I still I asked my wife I guess it's been hours out in my shop on a weekend just tinkering and building things and things of that nature. So I kind of thought that was my career path.

Dan Korhorn: 3:28

Right out of high school, got a job working for a remodeler, went into framing big apartment buildings and things like that. Transitioned from him to more of a custom home builder where I learned how to hand build cabinets. You know the old-fashioned way where you know you're still building cabinets in by hand. It takes three weeks to do that. And so I kind of thought that's where I was headed. And then I got hurt, and I wouldn't say I have a chronically bad back, but I have a family history my father, my uncles and things like that where it just kind of goes and pulled disc, a couple injuries, and it just became clear that I didn't think my body was going to physically be able to do that for 40 years, yeah, and so I decided to go to college, got my old job back at the greenhouse and they were quite accommodating with my school schedule, and so then I went back to community college and started studying, going down the finance path. That's kind of where it led.

Dan Korhorn: 4:20

About that time I was maybe a year and a half in. At that time, soon to be father-in-law. I said, hey, you know, I know this guy. Their company is expanding in the financial industry. He goes. Maybe you ought to give him a call. So I called him up. His name is Joel. He's now still, 28 years later, my business partner, and that's kind of where I started. I won't go into the details of where. It's a little bit of a sore spot coming out of it, but it did give me a good education, got me licensed, got me introduced into the business, things like that.

Dan Korhorn: 4:51

And we were there for about six years and left for a variety of reasons, and we can talk about that later, about how firms run. And then we founded Pathway in 2005,. I think, yeah, it's been 20 years already since we started the company. So that's kind of the Reader's Digest version of the background.

Eldon Palmer: 5:12

Yeah, so let's go a little bit into so. You have a family. Tell us a little bit about your family.

Dan Korhorn: 5:18

My wife Kim. We've been married. It'll be 28 years in August.

Eldon Palmer: 5:21

Wow congrats, it's work.

Dan Korhorn: 5:23

Yeah, she's, you know, up for sainthood. She's tolerated, you know, for 28 whole years and it's been, you know, good and bad and you know it's just kind of ups and downs that you have. I have two daughters, 18 and 21. I have a senior in college and a senior in high school and, yeah, we've lived here in Rockford for the better part of 20 years. So kids went all through Rockford schools and I got one graduating from there and my oldest is graduating from Ferris in the spring.

Eldon Palmer: 5:48

So before we get too far into like the, maybe more business details, how does having the family and the expectations there go along with running a business, challenges with that, and how do you make time for family and balance that?

Dan Korhorn: 6:01

Well, at the beginning it was way out of balance. I remember still vividly the criticisms and you know I would hear it from people.

Dan Korhorn: 6:08

It's like you know, you're always working, you're always working, you're always working. Well, I'm trying to build a business, and so I would leave the house by eight or eight thirty in the morning, I might come home for dinner and I might be out until nine o'clock at night. I'd work better part of a day on Saturdays, and I did that, I think, to my oldest, maybe four or five years old, you know, and they were maybe when they were a little younger than that. But you know, and that's what it took, Um, and then it transitioned into a business where we have three locations, 14 employees, I think, um, between full and part-time. We have some admin staff that fills in seasonally, Um, and you know I'll be somewhere and you know I'll hear from him. Well, do you ever work? Which?

Dan Korhorn: 6:46

way do you want, and either I work too much or I don't work enough.

Dan Korhorn: 6:48

So um so it took a few years to find the balance. And now this time of year is taxed and we have a pretty thriving tax business. So it's probably a little out of balance right now, just because of the you know, the workload and the time constraints that things have to be done. But we've balanced it out within our office and our staff that our office is closed on Fridays all summer. We have such a short summertime so we've given everybody the opportunity. It's like hey, monday through Thursday, enjoy three-day weekends from Memorial Day to Labor Day. So it's been a process to find the balance and there's going to be times where it's out of balance, for sure, but I think it's.

Eldon Palmer: 7:28

It's been a learning curve for sure, and so what I've learned over the last 10 years or so is hey, let's pause for a moment to thank our sponsors the Palmer Group with 616 Realty, a small, experienced real estate team right here in West Michigan with over 20 years experience helping buyers, sellers, builders and investors right here in West Michigan, with over 20 years experience helping buyers, sellers, builders and investors reach their real estate goals. We'd love to solve problems and we're quite often known as the problem solver. So if you have a real estate challenge, you want to look for that dream home, need help figuring out that tricky land deal, give us a call. We'd love to help. You can find more out at thepalmergroup. That's thepalmergroup, not thepalmercom thepalmergroup. Now back to the episode.

Dan Korhorn: 8:13

You make work balance around your family, Don't balance your family around your work. And I think that's probably been the key. And I've got a few, you know we've got a few younger guys you know on the team, you know, I think, Ben, who you know well is he's 30.

Dan Korhorn: 8:26

A couple of young guys in their early 20s, and it's one of the things that I'm trying to instill in them. It's like work hard when you work, but be away from work when you're away from work, and so you get to a mentality like that and we have conversations in the office from a leadership standpoint and you realize the balance we share. Now has been quoted. The rest, he says I realized I'm unemployable.

Dan Korhorn: 8:49

I couldn't go get a job and I think about you know, with all the things going on in our lives right now with me, with doctor's appointments, things of that nature, I don't know how you'd manage a 40 hour week, seven to three, 30 job. I don't know, and I give people a lot of credit that have to do that. I've been fortunate enough to have, you know, had great partners and built a business that allows me the freedom to be away if I need to be away, right.

Dan Korhorn: 9:13

But balance is a key. You know you can burned out and I can say that you know the tax time. I might get burned out by April and I might be a little snippy. You can ask my family Don't talk to me about April 10. Don't talk to me About April 10, don't talk to me. But that fades. But that's a season and you go through it the rest of the year. It's pretty good and we balance it out.

Eldon Palmer: 9:31

Yeah, I think the seasons is important. Found that and I hear it in talking to a lot of business people, entrepreneurs. It's way out of balance early on because you've got to build up, you've got to get momentum going, you got to build a base.

Dan Korhorn: 9:45

Get that foundation and then it's a little more flexible. Yeah, yeah, well, and your business is the same. It's relational, it's seasonal. Right, houses don't sell well in January and February, but by May you're going to be busy again. It's, it's. It goes in cycles and you just learn to balance around and your family learns that. You know there's times that it's you know appropriate to ask can we go here in times where it's not?

Eldon Palmer: 10:04

Yeah, the same questions. Do you ever stop working? All we see is the back of your head in the home office, and for years that was what it was, because I just had to work, work, work. But now it's mostly repeat and referral and I can be more flexible, have a team and can work together that way. So tell us a little bit more about Pathway.

Dan Korhorn: 10:26

Yeah, oh wow, that's a lot to unpack, it's unique yeah, things you know.

Dan Korhorn: 10:33

In 20 years of doing this there's been a lot of changes to the industry, whether it be regulatory, how we do things how we it's not the business. I started with a yellow legal pad and a. You want to set up a mutual fund, and it's a. You know one page triplicate form. You get a copy, I get a copy and we send one in and now it's you know, 32 pages of regulation. So there's been a lot of changes.

Dan Korhorn: 10:56

But started out doing pretty much investment work setting up IRAs, people, a little bit of life insurance here and there with a company that we started with, got licensed in that. And then you get a few years in and you start to realize it became restrictive and I think for me the tipping point was I have a friend who's emerging into retirement now who's a director of a camp in northern Michigan, an executive director. He's been there 40-plus years. Director of a camp in Northern Michigan, executive director. He's been there 40 plus years and they were looking for a key man life insurance policy because a figurehead in place of that magnitude, it takes a couple years to replace someone like that and so you do have a decline in attendance and things start to wonder about leadership in the future and things like that. And so they were hunting for a pretty good-sized life insurance policy, and I was with a company that had one. That's all they could do, and it was about four times what was available on the open market.

Dan Korhorn: 11:54

And I finally called them like is there anything? Can you resell this? No, no, no, no. And you started to realize that they were heavy-handed. You have to fit into this box. All the clients need to do this, and there was no autonomy. And then you start reading through the paperwork and you realize that there's all these caveats. If I want to leave, well, they're not really my clients, they're theirs, which I would argue I'm like, but you give me a 1099. I'm not an employee, so you know. And so then I won't get into it. You know there's been a lot of lawsuits filed after the fact, not not me personally, but my partner and I know a lot of people that have spent hundreds of thousands of dollars, defending themselves leaving.

Dan Korhorn: 12:33

So it was kind of a tipping point where a handful of us had just realized it's like for us to best serve our client. I can't answer to a corporation. I have to put their best interests forward. I can't pigeonhole them into something because the company says this is where they need to be or this is more profitable. I owed my clients an obligation to provide the best that I could find, and so that's kind of where we started. Maintain the same philosophy. You know, buy term insurance, invest the difference in an IRA, but all of a sudden you realize you're not captive. It's like, well, wait a minute, there's 25 life insurance companies and they're all way more competitive. And oh, I can use Fidelity now, and I can, and all these investment companies. And so you start expanding into that and realize that there's, you know.

Eldon Palmer: 13:18

So you're mixing, matching for the client what's what's best for them. You're kind of brokering in a sense what's appropriate for one family is not appropriate for the other.

Dan Korhorn: 13:24

So one of the things that I still say we do is we do have certain model things that we follow, but we try to and I know the word holistic is used way too often in today's terms but we try to address every family based on what they're after. And I like to start a question what's important about money to you? Because what's important to me might not be important to you, right? And so I kind of want to craft what we do. And so over the years, you know, we we started to expand, and so the tax thing, which we can talk about more today because the season we're in. So my business partner now, brian um, he used to be an owner at a firm in Holland called LVS Financials, a big accounting firm, and he was one of the owners and so we would just refer all the business to him. It's like clients would ask hey, brian's our guy, you know and work with him.

Dan Korhorn: 14:12

And he took a call to be a missionary in Africa for about eight years and he's like, hey, we're leaving, I'm selling and we're going to be gone and I don't know we're going to. He'll be back. And so he's like but I can teach you guys how to do this. And so my one of my partners got his enrolled agent designation from the IRS. We bought the software and I think the first year we met it on 15 or 16 tax returns and then it went to 35, you know, and back then it was Skype, if you remember that.

Dan Korhorn: 14:36

oh yeah, and so we would do it and then he would look at it, you know, on his time zone, and then we'd Skype back and forth. That's kind of how it started. And, uh, I'm gonna say it was probably because his oldest is graduating from high, from college, so I'm gonna say almost eight years ago. Um, they kind of decided it was time to come home, kids going into high school and things like that, and then there was a family tragedy, so it brought him home a little early and so we had time to get together and it became a what are you gonna do? He do some consulting, do some accounting work. I don't know what I'm going to do and we had met at the Rainbow Grill there in Hudsonville.

Eldon Palmer: 15:07

Oh yeah.

Dan Korhorn: 15:08

I remember we were driving back to the office and I don't think we were even onto the highway, off the ramp yet, and I looked at my partner and I said what are we doing? Why don't we just of had decided, and you know, he was home for funerals and things like that. So it was a little bit of a tepid time to really have those conversations. But before we went back we kind of approached it and he says you know, anita, and I talk about it, pray about it. And about a week later he's like yeah, I think that's kind of the plan. And so they went back to Africa. He was done with his obligation there, but they had adopted two girls and so they're waiting for the state department to get the paperwork. So they're stuck in Africa for six, nine, 12. They didn't know.

Dan Korhorn: 15:50

And so he decided to study for a certified financial planner test. He's like I got all day he goes. I'll just treat it as a job. At the time Justin Amash was their state rep and I think he might've had some influence to kind of push it through a little quicker. So they came home late summer August I believe and so he took the test and passed it and then he was back and by that January we were full tilt with a tax planning business that we had actually had was pretty successful at the time.

Dan Korhorn: 16:15

And then you add a guy now that brought all the accounting which allowed us to expand into accounting for small business, and we have all over a hundred small businesses that we do accounting for and two accountants. And so that's just one step in the process. In the last seven to eight years we've started to look at estate planning, and not that there's not unfit attorneys, but I have found and this may offend people that watch this but attorneys have this general propensity to start out really good and then they just stop calling people back after two years and I've been through with four or five different estate planning attorneys over the last 20 years and just we have this great relationship.

Dan Korhorn: 16:50

And then you just stop returning calls and and so we've partnered with a company that is a legal firm but it's designed to work with financial advisors and we kind of sub advise and they still craft these estate plans. So we've expanded into that a lot more financial planning.

Eldon Palmer: 17:05

It's not just.

Dan Korhorn: 17:05

I'm going to take your money and put it here. It's like let's craft a program, let's get on a budget, and here's what we got to have to retire and here's what it looks like when you take the money out. So our business has expanded dramatically, investment choices and options have changed and we're doing things that nobody ever heard of. We're doing things you know that nobody ever heard of algorithms that do tax loss, harvesting, which we used to have to do it manually, or we said we would do it and we never did at the end of the year.

Dan Korhorn: 17:30

So a lot of evolution, for sure, um, in the business. And it's one of those things that if you don't pay attention, you're going to be these guys that I see all the time, that have this little book of business that nobody wants to buy because they never changed with the times. They're still doing things the way they did 15 or 20 years ago. Now that doesn't influence my investment policy, which we can talk about later, because that has not changed and it won't change 50 years from now.

Dan Korhorn: 17:56

My philosophy on that, but how we approach things, how we manage things has changed dramatically over the last 25 years, to say the least.

Eldon Palmer: 18:05

Yeah, in our conversation beforehand, you know, just talking about AI, and one thing you know because that's the hot topic lately is, you know, I think, the people that you already have the background of knowledge and experience. You know you can type in something in AI and figure out yourself, but there's so many inaccuracies right now and you just don't know how to best prompt it, how to use that information that it shares to best suit a customer not you, I mean, in general, a random person. So that's the advantage of having all that experience and being able to kind of match that tool together.

Dan Korhorn: 18:38

Filter out what you know doesn't make sense.

Eldon Palmer: 18:40

Right.

Dan Korhorn: 18:41

Yeah, yeah so but I used it. This morning I had a weird case and I thought I think this is right, but I've never actually had this happen. Somebody had two different types of retirement plans for the same company in one year and I didn't think that was correct. Like I could spend an hour researching the IRS website and find the code which is what I normally will do with these cases. When I have something every day, that's an anomaly. But we don't use a generic standard off-the-shelf AI.

Dan Korhorn: 19:12

We use something different and I put it in there and it linked me right to the IRS code section that I needed, and so we don't necessarily use it to get answers as much as we use it to shrink the amount of time it helps for us to find the answer. So I still went to the code. I just didn't have to pour through 200 pages to find the line item I was looking for in the code.

Dan Korhorn: 19:32

I let the AI do that for me. So that's where we're leveraging it to our advantage. We don't use it in investments. We do use some algorithm-based trading platforms that have algorithm triggers, but that is not AI-generated, so to speak, but we do some things like that as well. So, like technology, but we are also the not jump into it headfirst, and so it's just like when a new investment philosophy or theory, we won't get into it. Direct indexing is kind of the newest trend. We generally kind of have this propensity of fear for our clients, and so a lot of times, if something sounds good and it looks good on paper, we will usually put our own money or kind of guinea pig, some of these systems with our own stuff for six months to a year before we bring it out to the public.

Dan Korhorn: 20:25

Just to make sure that we don it out to the public. Sure, just to make sure that we don't. I can handle if I hurt myself, but it's you know. You're the steward of someone else's money when it's their money and you want to be really careful about that. So we kind of have that approach to a lot of things.

Eldon Palmer: 20:36

And that stuff's super common with people. They hear something from friends, yep, and so now they're, now they're throwing a bunch of money at something that sounds like a hot thing. Well, by that time they're hearing about it, it's probably at the top of its cycle.

Dan Korhorn: 20:52

Um, and so, yeah, that's where you guys come in yeah Well, I hear about it, I should buy gold. No, yeah, look what it costs. I'm like that's exactly why you don't buy it. You should have bought it four years ago. Don't buy it it today. It's the highest price it's been. You don't want to buy it at. You don't want to pay a premium, you want to buy it on sale. Yeah, and so the theory is I want to buy it because it's doing well well, no, you want to buy things when they're on sale, right?

Eldon Palmer: 21:14

yeah, yeah, the old adage you know buy low, sell high.

Dan Korhorn: 21:17

But that people's mental capacity and stamina is the fear always triggers the opposite reaction. Yeah, and so if I were to say what's the biggest obstacle I hurdle, it's managing people's emotions. It isn't about managing them as much as managing their emotions and keeping them invested, for, you know, frequent but short lived downturns in the market.

Eldon Palmer: 21:39

Yeah, that's, I think, my. You know, my business is the same way in real estate. Quite often A lot of emotion creeps in on things you just got to work through. Yeah, it has to job psychology.

Dan Korhorn: 21:51

We do pretty good. When we have big market drops we don't get a lot of panicked phone calls. And I know other guys at other firms their phones ring off everybody's panicking. I don't know. Maybe call it, we're just blessed or we've communicated it well over the years. We don't generally get a lot of those panic calls.

Eldon Palmer: 22:08

Well, when you've been dealing with often the same people for many years, plus the referrals and repeats, and you've seen it and you've seen the ups and downs.

Dan Korhorn: 22:20

It's just a lot more steady. The benefit I have I think I was on one of your counterparts earlier I have a few fourth-generation money. It's easy to have two or three and I have a handful that's fourth-generation. My great-grandpa said to call you about this. Fortunately, I have a handful of young guys in my office and so now it's like you don't want to work with me. I'm going to retire. But work with Ben or AJ or Mikey. They're going to be around for the next 30 years. You can have a relationship with them.

Dan Korhorn: 22:46

So we keep it in-house but I'm not necessarily the one that I'm kind of a my dance card's kind of full right now.

Dan Korhorn: 22:53

Sure, and usually that goes well because they're still working with the same company and there's this family legacy and something happens to your grandpa or your dad. We're still here and we understand what's going on. So, yeah, it's a nice you can have the internal conversation without, yeah, interact. So generational wealth planning we talk about that a lot and we talk about it a lot. We don't do it as often as I think we probably should, but we're getting better at it what's um, so what, what's kind of your clientele like?

Eldon Palmer: 23:20

what would you say? Generational wealth planning, what's that mean? You know it down.

Dan Korhorn: 23:24

Well, it's going to be. Contrary to what most people think when they think financial advisor, only one of us I take that back, one of my our office are basically our operations manager. We've only got two degrees in our office. My partner was in rental property and laid carpet with his dad for a living. Before he got into this I was a carpenter, a farmer, went to college for a couple years, dropped out because I've realized that you know, this is not a knock on college.

Dan Korhorn: 23:51

I have a wife that's a college professor, so that's not a knock on college, um, but my professors are telling me things and I'm like you know, that's not how it works. Yes, no, I do it already. Well, the book says the book's wrong. No, I do it already. Well, the book says you know the book's wrong, right, yeah. And so we like to say we're still blue collar, I mean to the extent it's.

Dan Korhorn: 24:13

Do I have really wealthy clients that make millions of dollars a year? Yes, I do, but they're few and far between, and we have this tendency in our industry. People get in, they're looking for that whale all the time with you know, I need a guy to invest a million and a half dollars with me tomorrow and I'm more of the. Well, what if we just got 20 clients a month that did 50? Sure, which is a lot more prevalent out there. And so it's more work, but it's more relational based. So you know what's my ideal client? You're married, you own a home, you got two cars, you work both full-time or one full-time, part-time, you got a couple of kids and you're trying to scratch a little bit of money away for them to go to college and you want to retire at 65 if you can, and you want to pay your house off, that's our ideal client.

Dan Korhorn: 24:55

I'm not. I mean I'm not going to say no to the wealthy doctor, but that's not who we are trying to attract. I'm looking for people that have the same background as me, and so you'd probably be scared. If you knew the number of electricians and plumbers and carpenters and roofers and you know that I have for clients it far, far outnumbers the attorneys and doctors.

Eldon Palmer: 25:17

Yeah, that's the great thing about being a local business and, you know, kind of in the weeds, still not not having that corporate pressure from up high of just selling. So cool, let's see, I'm trying to think of what else we wanted to hit there. So what's the uniqueness about having both the tax and the financial planning together in one shop?

Dan Korhorn: 25:40

Great question, because I get that a lot, because there's a general divide within the industry. You either do tax or you do investment, and so what I find is I will have clients that will come in, and well, my tax guy said this yeah, no, that's not how it works. But more often than not I get an investment professional that has botched things and I'm like, no, that's against the law. And so that's kind of why we got into it, because we realized that if you really want to be a good financial advisor again back to that buzzword holistic you really have to understand both sides of the coin, the dilemma is, and if you pick up, you have a you know a competitor across the street.

Dan Korhorn: 26:25

Right, if you were to go pick up his business card and I know him, he's a great guy but he'll say we do not give tax legal or tax advice.

Eldon Palmer: 26:32

They're not allowed to so frustrating on the customer side.

Dan Korhorn: 26:35

They may know they may not know. I had a case this morning where it's I was a little dumbfounded and I had to kind of bite my tongue with the client and I'm like this is stuff they should have learned the first day. You know kind of mistakes. And so for us it became a point where, if you really think about it, every investment decision I make for a client or every investment decision a client makes has some sort of tax impact, whether positive or negative. You know there's a positive and negative consequence to every decision we make, and that's really what kind of made us focus on it. It wasn't kind of the workload I had expected you know where we're doing a couple thousand tax returns a year but it has, I feel, made us much better advisors because we understand the consequence of a decision we make with someone's investments and we can make better informed decisions in. You know, my goal is obviously you don't pay as least tax as you want, you know, and right, isn't that the goal? Right?

Eldon Palmer: 27:33

Yeah, keep more, keep more of your money, not how much you make, how much you keep, yeah, yeah, the. So what's maybe one or two things that you kind of see as common mistakes and most common misconceptions or mistakes in either tax or financial planning?

Dan Korhorn: 27:47

Oh boy, on the investment side, it's bailing out of the market when it goes down.

Eldon Palmer: 27:51

Yeah.

Dan Korhorn: 27:52

That will be my number one and you know I this time is different Maybe, but it hasn't been different in 200 years. You know I remember the 2008 crash and I've been through the. I was through 1999 and 2000.

Dan Korhorn: 28:07

I had one mutual fund in 1999 that did 132% rate of return in 1999, negative 36 in 2000. Did you bail out? I mean, I didn't right the story I tell the most. I bought my first shares of Walt Disney stock in October of 2001. Think about the significance of that date. What happened the month before Disney theme parks were closed? Nobody's going to travel, nobody's ever going to go to Disney, everybody's going to be scared, right. And a guy like me looks at it and realizes at the time well, less than 20% of the revenue comes from theme parks. So even if that were the case, I think they're probably going to survive with television and all that. I mean, it's $7.54 a share. Still have it, yeah, and it's trading, I don't know. I haven't looked in a week or two, but $112, $110, right, yeah, so it's been as high as 200. And then they got into some political foray with the last president here a couple of years ago and that kind of hurt them a little bit.

Dan Korhorn: 29:18

But they've kind of bounced back and their earnings report last week was fantastic and they've got the right people at the helm. So that's a lesson in the investment side. Tax side, the biggest thing I would tell you. Well, there's two. I would tell you number one. Tax side, the biggest thing I would tell you. Well, there's two. I would tell you number one unless it's absolutely necessary, do not take money out of your retirement account unless you're going to lose your house. Hospitals, work out payment plans. You can work out debt creditor things or make payment plans. You do not have to cash out $50,000 to pay off the hospital right.

Eldon Palmer: 29:51

Yeah.

Dan Korhorn: 29:54

Penalties. It increases your tax bracket. You pay a 10% penalty. So all of a sudden you start figuring, if you're in a 20% bracket and 10% penalty in the state, 35% of your money. You're giving up 35% of your money in penalties. So do strenuous circumstances happen where that's the only option? Yes, it happens and I will never berate anybody or try. I understand the need if it's that, but sometimes I look at it because you know I have. Somebody says well, I need to take 10 000 for my kid to have braces. I'm like every orthodontist I know does payment plan?

Dan Korhorn: 30:24

yeah so that'd be number one. Number two, and probably more important a lot of people start a side hustle, self-employed. They're doing something on the side and that's the sole proprietor. Now what happens is they'll have a good first year and then they get a phone call from me and it's like hey, you owe the IRS $8,000. Well then they are dumbfounded. Well, a couple things. Number one you didn't have any taxes withheld like you do from your paycheck, which is first and foremost. But the bigger piece of the pie is they forget that you also pay Social Security and Medicare tax, but your employer pays half of it, and so when you go on your own, that 15.3% is all yours, plus your federal tax bracket, plus your state tax bracket. So I would tell anybody I am entrepreneur minded, I love seeing people in down economies really inspire entrepreneurship people lose their jobs.

Dan Korhorn: 31:21

They start something. Both my brother-in-law's circumstance led to that and they both started businesses. Are both very successful now, um, but they miss that part. It's like, hey, you got to pay taxes, and so those are probably the two biggest tax things. I'd tell people If you can avoid taking money out of retirement, do that, but understand the tax consequences of being your own boss.

Eldon Palmer: 31:42

Yeah, it's a hard lesson to learn. I may or may not have learned that the hard way. We've had those conversations over the years, right, but that was a long time ago, so yeah you figured it out too.

Dan Korhorn: 31:53

But it's a learning curve and I would never discourage anyone from starting a business. But sometimes it's like, hey, seek a little counsel. I'm like, hey, I'm going to do this, what do I need to watch out for? And so we set up a lot of businesses a year and for some reason I got in this vein where I'm setting up a lot counseling practice last three or four years and it's the same conversation. It's like we need to do this, we need to do quarterly, and we get to the end of the year and they don't have this big scary like I don't know how I'm gonna pay this bill right those are probably my two big takeaways on the tax side that's great advice, yeah, yeah.

Eldon Palmer: 32:24

So let's see, I'm kind of uh off the start the biz. Are those those lessons and mistakes? I guess what's?

Dan Korhorn: 32:34

maybe some. When I ask about mistakes, there's too many to count.

Eldon Palmer: 32:36

Well like, how's it working with partners? Because there's two sides of that coin. There is.

Dan Korhorn: 32:43

And I have heard every horror story that there is and I can honestly say that I have not had that Now. That comes from a mutual respect. We know we can get upset, yell at each other and slam a door, but at the end of the day we're all still pulling on the same rope and my partner, Joel, and I started it 20 years ago. Brian's been eight years, Ben has been working for us for nine and partnered for two. We can all have those hard conversations.

Dan Korhorn: 33:09

We're not afraid to call each other out but in a respectful way, respect each other so I've heard the horror stories, but we've never experienced that, because I think we have very good open lines of communication and we kind of all have the same kind of thought process and how we approach things, same work ethic, same, you know, mentality. I would say my partner brian brings a little piece to it. You know, having more of a missionary background and a servant's heart, he kind of sometimes can be the one that can tone the rest of us down and calm us down and say just back up, let's think this through.

Dan Korhorn: 33:43

So I've been really fortunate with having you know, working with guys that we're like-minded but we can have open and honest conversations, and so we, you know, if there's conflict, we address it. We don't always agree Majority rules sometimes, and so there's been decisions made that I haven't agreed with. But you know there's been decisions that some of them haven't agreed with, that I have, and so we've maintained a great working relationship, and so it's unfortunately not something I can speak to real well, because we haven't really had any conflict that's speaking to it really well.

Eldon Palmer: 34:14

I mean really open communication, um I said similarly yoked in terms of um your value system, um all similar work we all grew up christian reformed and we all take pills still, so that helps yeah, so, but all those things, you know I, it's been a couple years now.

Eldon Palmer: 34:32

You know ray, know Ray Dalio's book on principles, and that was one of them too. It's like the I don't know radical transparency or honesty, but just communicating, and it seems like I think every conflict, whether it's in personal relationships or business or politics, so much of it comes down to communication and effectively, you know understanding.

Dan Korhorn: 34:52

Don't end up with a wife and two daughters.

Eldon Palmer: 34:54

Yeah, yes, yeah. Another girl's dad, yeah, outnumbered yes by a mile, and they think it's a whole different communication style.

Dan Korhorn: 35:03

I just want something to say it.

Eldon Palmer: 35:05

Yes, yeah.

Dan Korhorn: 35:07

Yeah, so no.

Dan Korhorn: 35:08

I so I would. I've heard the horror story, so I can say that I've been very, very fortunate and I don't know, I don't believe in luck, but you know it's certainly certainly been a source of. You know there's a confidence there. It's like you know. You know I'm out a lot these days and so I don't worry about the work getting done and they're not worried about his day and getting his work done and you know we don't have any of those and you know they're willing to step in. Somebody, you know go. You know Ben had something come up. It's like all of a sudden change. We're going to go out to our house in Maine for two weeks. Oh, okay, and we cover it. It was kind of unexpected. An extra something came up and I'm all right, well, whatever, we cover.

Dan Korhorn: 35:44

So we have that ability to you know randomly so yeah, just being good neighbors, friends, yeah, like family yeah, we all get along, our wives all get along, so it's really good that's awesome our wives want to be in business with any of us together, but not sure well, that's great, uh.

Eldon Palmer: 36:03

So what's next? To kind of on for pathway? Anything new, just uh, you know the path growing.

Dan Korhorn: 36:10

We opened an office. So one of my really good friends for quite a few years he had a son that was business-minded and he always would tell him through junior high and high school you know, you ought to talk to Dan. When he came down to Grace Bible College as a freshman I knew he was coming. He came and we said, well, let's try it as a little apprenticeship internship. And that lasted about two months. And we we said, well, let's try it as a little apprenticeship internship. And that lasted about two months. And we're like, well, why don't you just start working part-time? You can come in the office when you're not in school, and things like that. And that lasted about a year.

Dan Korhorn: 36:40

And then his wife to finish up her master's work I believe it was her master's, I don't remember she had to be on site. So they moved down to the Detroit area and I'm like, well, you know what? Just work remotely. And so that's been five years now. And so he actually now he's an enrolled agent with the IRS, he's a licensed investment advisor rep and he runs our office in Traverse City. So he's 23 years old and a lot of responsibility. But I trust him. I mean, I know his family.

Dan Korhorn: 37:07

I know he grew up he's a preacher's kid and he's been a great, and so so we're expanding and we're in this weird, I don't know what to call it. We're in this weird transition period where I'll go to these meetings, you know, where investment companies have a meeting, there'll be a hundred or 200 advisors locally and I look around and I'm probably on the younger side and then I have my you know, our young guys with them. There's nobody there aging these rooms, and so we have this industry. That's like, well, you know, the average going price is two to two and a half times your revenue. And I'm like, well, how would I sell this thing? Because I know what it's worth. We've gone through for we'll probably talk about a variety of reasons we had to go through a business evaluation the last two years to really know what it's worth. Like, why would I give this all up for two years of my paycheck, yeah, and so I don't understand that. And I have counterparts that work in town and well, we can't take on any more clients. There's a CPA firm down the hall from me and they're purging clients every year. Oh, we can't take on more clients. And I'm like, well, you're head CPA.

Dan Korhorn: 38:15

I went to high school, grade school and high school. She's my age and you don't have anybody younger. I'm 52 years old and I'm of the belief I'm like well, if you have that much more work coming in, hire more people, and so our future is. So the way we've built our business and structured it, from stock and ownership and things like that, it becomes perpetual. So my hope would be in 40 years, you know, when I'm long gone the business still stands. I don't know who owns it, but it's still around, Right? I mean, my nephew's going to start working for us in the fall. He's graduating from high school. He's going to go to college for a business degree. Well, he hasn't decided. He asked high school he's going to go to college for a business degree.

Dan Korhorn: 38:56

Well, he hasn't decided he asked me I said, well, I can teach in numbers. I said I'd get a psychology degree. To be honest with you, yeah, knowing what we do, and but he had gotten some advice from his other uncle on his mother's side and a guy from church oh, don't go into financial plan, there's no work. You know there's no work there and you know it's saturated. I'm like I don't know where you live, but the more we I can't take on more work because we don't have the bodies.

Eldon Palmer: 39:18

And you're in a no like and trust business too. It's very personal relationship oriented. It's not quite the. I think people see a lot of that as a one time a year type of thing or once every so many years type of thing, versus you're kind of in in the weeds.

Dan Korhorn: 39:33

More we have, more consultative I have, I have it is kind of this really funny thing, and it's not to diminish anybody's thoughts, but my wealthiest clients are the ones that care could care less yeah, hey, we need to sit down and talk about this.

Dan Korhorn: 39:46

he goes is there anything changes? Well, no, but we well, what do we need to sit down for? And part of me was wants to say well, I want you to feel like I'm earning what you're paying me for. But then I'll have the client that's got $32,000 and they want to meet three or four times a year, which we'll have a phone call or a Zoom. I don't ever turn that down, and so you can take two roads with that thought process of I don't care, but I've never been that way because I still understand what it's like to be you know, we joke in our office PhD poor, hungry and driven right Sure.

Dan Korhorn: 40:18

I understand that $32,000 is all you have and so you are worried about it, and I take that pretty seriously. It's like I said in the beginning I am the steward of that money and so I like to think that I hold that $32,000 with as much respect as I hold $2 million.

Eldon Palmer: 40:37

Yeah.

Dan Korhorn: 40:37

It might be a few more zeros, but how I'm going to treat you is not going to be any different. But I find it, the people that you know have, you know, just scraping by and it's all they have are more concerned than the people that have a high net, where they just tend to look at us like, Well, if nothing changed, he goes, I can come in, but do you really need me to?

Eldon Palmer: 40:55

Makes sense, it's up to you.

Dan Korhorn: 40:58

So it's kind of that approach when you look at it and again, it's all relational driven. It's kind of like your business If they didn't have the relationship there. But I think that's why it affords us because it's I said at the beginning more blue collar. I'm going to take. Your grandson calls me with his seven thousand dollar rollover from his first job. It's not the kind of clientele that I'm working in every day. Now, after almost 30 years, I'm not going to say no, but I will pass it on, say hey, work with you. Know, one of these guys you'll be with. We talked about that be with for 30 years. So, um, so I'm not in the position of giving money away and giving business away. So where's Pathway going? I don't know. 20 years from now we might have six locations. I don't know.

Eldon Palmer: 41:40

So what do you have for locations now?

Dan Korhorn: 41:42

So we have our main office in Grand Rapids. We're right on the Beltline in 96. We have an office in Holland, right on I don't know if it's 16th or Adams right by 31. We have an office there and we have an office just on the outskirts of downtown Traverse City near the airport. Okay, and if people want to reach out to you, what's the?

Eldon Palmer: 42:05

best way. Phone number website Okay, google G-O-O-G-L-E yeah.

Dan Korhorn: 42:09

PathwayFinancialDesigncom. It is getting a a facelift. So if anybody goes there and it looks dated, it is because at the end of the day, it's just a business card for us and I'm not trying to use it for marketing. But we are in the process of making it look a little more clean and professional. So it's in the works, so yeah cool.

Eldon Palmer: 42:24

Yeah, so we've kind of covered a lot of that now recently in the past couple years. If you don't mind going this direction, I'd love to. I'd love to I mean, talk about the challenges. I think there's a lot that people can learn. Um, you were diagnosed with cancer. Can you just tell us a little bit about that, how you found out and how, how it?

Dan Korhorn: 42:46

So it was during tax time in 2023, I started to notice I was having trouble. It felt like food was getting kind of stuck in my chest when I swallowed Not all the time, but once in a while, and so I had a bit going on but I'm obviously too busy. I'm not going to go to the doctor in, you know, February or March. I'm too busy and I was just gonna wait till spring. Well, we're getting ready for a trip.

Dan Korhorn: 43:05

We had a wedding to go to in Italy and so we're going to be gone for a few weeks. And my wife was like I'm not going to have you choke and end up in a hospital and you're, you know, you need to go to the doctor. So I went to my doctor and you know he's like, well, it's probably a stricture. He goes, it's your age, it happens. We, you know, put a scope down and put a little balloon in there and just kind of expand it and stretch it back out.

Dan Korhorn: 43:32

So I work with an independent doctor, so I don't really deal with a big healthcare corporation. So I was in. That was a Wednesday. So the following Tuesday I was in for a scope ready with his guy and there was a stricture there. But he told me why. He told my wife he's like I took a biopsy. He goes look kind of raw and it just doesn't look good in there, and so that fine, that Friday was June 16th. I of course get the my chart doctors out of town. I'm like I had no carcinoma. I'm like I think that's cancer. I'm like, huh. I remember I was out getting my car worked on and I drove home and I walked in the house about 10 o'clock in the morning there's tears, and they had read it.

Dan Korhorn: 44:02

And I'm like yeah, this probably isn't good. Now, the following Wednesday, we're supposed to leave for Europe for three weeks.

Dan Korhorn: 44:08

Yeah weeks, so yeah, so when you know, I talked to my doctor. He's like we're not going to do anything in two or three weeks. So all the testing and stuff scheduled for when we got back. And so in early July or middle of July when we got back, they did a full PET scan and they had found it. It was cancer in my right where my esophagus and stomach meet, so it was a tumor growing in there. We're starting to pinch off that thing. So the scan then I had three lymph nodes that showed up. That you know I'd gotten into a couple of lymph nodes, and so the prognosis was we're going to do a little bit of chemo and radiation to shrink it and then surgery. So on November 29 of 2023, your stomach looks like a football. They took about the top third of it.

Dan Korhorn: 44:48

They cut it off, rolled it over and stitched it together, cut my esophagus out just below my windpipe, just about right up in here, and then they stretched my stomach up and restitched it, cut all that out, and so I lost the valve, the acid valve, but I also lost my stomach and then the valve that from your stomach to your intestine. They stitched that open.

Eldon Palmer: 45:10

So that it can't close.

Dan Korhorn: 45:11

And then they cut the vagus nerve which controls appetite, fullness, the valve opening and closing. So now I have a straight it goes right into my intestine. So if I you know, if I you know vomit or anything, it comes all the way out of my intestine. Unfortunately, this only happened once yeah um, and so that was they were pursuing what they said was a curable treatment plan.

Eldon Palmer: 45:32

Yep.

Dan Korhorn: 45:33

And so they got all the lymph nodes. They got everything. The margins were clear at the time. I had a follow-up scan in January. Now it sidelined me for, you know, supposed to be three months. So it sidelined me for, let's see, I got home from the hospital on the 10th of December. I met with a client on the 28th of December. I was back in the office while I was working by the 8th.

Eldon Palmer: 45:54

Yeah.

Dan Korhorn: 45:54

By the next week. I was in the office a day or two for a few hours, so I didn't really. You know, the doctor said to rest. I'm like if you want me to die, it'll be laying on a couch. I can't, but I took it easy.

Eldon Palmer: 46:03

Yeah.

Dan Korhorn: 46:12

So I had a scan in March same outcome, and they're like well, we'll just kind of keep on it. And then, june of last year yeah, this isn't good. And they did a PET scan and the cancer is spreading to those two lymph nodes just outside my lung is in my thyroid, there's a spot in my liver and then there's three lymph nodes in my abdomen that are cancerous. So that was july of last year. Um, and so there are really no surgical options, because the I have a fantastic thoracic surgeon, but he said it's too close to your heart, we can't get them, and he goes, leaving one percent, you might as well leave it all there. It's just not a. You know, we can't pursue that. And so then it's like well, do you do surgery?

Dan Korhorn: 46:52

and the spot it's just not a you know we can't pursue that. And so then it's like well, do you do surgery? And the spot in my liver is so deep, you know, so small and so deep, they can't even get in there to biopsy it yet. And so there are no really other treatment options today other than chemotherapy.

Dan Korhorn: 47:06

So, we had done an immunotherapy routine in January. The idea was to, if they missed anything, it would wipe it out. But obviously that it didn't take, it didn't work for me, and so I'm back on chemo every two weeks. So it's stage four, metastatic carcinoma. It is not curable, it will never go away, and we're in a position now where all we do is try to keep it tame. Yeah, so and so I had a scan in October and showed a pretty decent reduction in size of everything. I had one in January with no change. Nothing had grown. But then there was a spot on my lung, um, which the doctor is convinced is an infection, Um, and so he put me on a really nasty antibiotic for two weeks Consequently about three days which the doctor is convinced is an infection. And so he put me on a really nasty antibiotic for two weeks Consequently. About three days later I came down to a really bad respiratory.

Dan Korhorn: 47:59

So it kind of made sense, and in his theory he's like I'm not sure how you'd get a spot that big in your lung and the rest of the cancer didn't grow. So he's like, and he's 35 years, so before I came here I had a CAT scan to check on the progress of that. So so I will know tonight if that spot is gone. So, so we're on a chemotherapy routine every two weeks as long as it works, and then hopefully it works long enough because you know, if you pay attention, you know cancer research and is moving at warp speed right now with cancer vaccines and these immunotherapy drugs, and they're doing a new hipostomy treatment, which it's a liquid, almost like a liquid laser jet, to destroy tumors with a lot of success.

Dan Korhorn: 48:40

They've done one in Grand Rapids. I'm not a candidate for it yet, just because of where things are.

Dan Korhorn: 48:45

But, you know my oncologist. We may not see eye to eye in his bedside manner, but he is my research. He is probably the best in the Midwest for the kind of cancers and he has a patient right now that had colorectal cancer which is similar to mine Mine's a little more aggressive, but similar, with a two-year life expectancy, and he's had been stage four for 12 years. So is it a death sentence? Yeah, is it tomorrow? Probably not right. Could be six months, could be six years, we don't know.

Eldon Palmer: 49:16

So, knowing that, and since you probably, I would imagine, early on, your thought process was a little different than maybe it is now, given the change in it, how did that affect, like family relationships you know what do you like how did it affect your decision making?

Dan Korhorn: 49:32

Well, it puts things in perspective, and so a lot of people are stressed out about it. I'm like, no, I haven't lost an ounce of sleep, I don't worry about it, it is what it is. And you know, sometimes when I'll tell my wife I'm like you know, I'm not going to be around, she goes well, you don't know that. You know they're 18 and 21 and just to digest it and we don't talk about it a lot because I just kind of you know, to me it's just an irritant to my day.

Dan Korhorn: 49:59

I got to go to the doctor tomorrow morning to go over these scans. Well, it's just, I don't have time for this. I got to get to work, you know.

Dan Korhorn: 50:05

And so not that I'm driven by work, but maybe I'm mentally ill. I just to me it's an irritant, to my day, it's a distraction and I'm like I got a lot more important things I could be doing than this. Um. So but it's been hard at home because I can tell you know the effects of chemo now being on it. You know I was on it before radiation 25 rounds, that was pretty brutal, um, and now I've been on chemo for seven or eight months. You know it's starting to wear. You know, like you know, neuropathy is bad.

Dan Korhorn: 50:35

Um my fuse is a lot shorter, and so I have a tendency to, you know, just kind of lose my temper a little bit more often than I used to. You know, just, and I'd partly chemo was partly, you know, when all of a sudden you're condensing timeframes, you don't just got left, you realize what's important. It's like I don't have time to, I, I'm not gonna waste my time arguing, and if something comes up where I don't like it, I kind of snap back at it because I just don't want to deal with it, because it's not important anymore. Well, the problem is, it's probably important to other people, it's just not important to me, right? So my family's bared a little bit of the brunt of that.

Dan Korhorn: 51:09

You know, just having to deal with, you know, a little bit of mood swings, things like that, you know, um, can it be bad? Probably, and it's just. But I'm one of those guys. You've known me long enough. It's I'm a scorched earth kind of guy. When you go too far and and I will take it all the way to the end, which, you know, it's probably not the appropriate response ever. But you know, when it's your family, sometimes, you know, I dig my heels in probably a lot harder than I probably should.

Dan Korhorn: 51:32

And so they probably pay the biggest price for that than anybody else, and it's probably the ones that should pay the least. But it puts things in perspective. It's like what's important? You know, my mom asked me this a couple weeks ago. She thought about retiring. Yeah, but what would I do? You know my wife loves what she does. I get kids in school. I'm gonna I mean, I could try to play golf every day, but what am I gonna? Go to florida for two months by myself?

Dan Korhorn: 51:57

yeah and so and I love what I do, so it's really not an option. Um, the dilemma becomes you know, I got to be in therapy every two weeks and so trying to plan a vacation, or you know, you kind of unfortunately, I live my life in three month blocks. Like you get a good, well, you won't think about it for a couple of months until the next one. Is this going to be the bad one, right?

Dan Korhorn: 52:16

So, it's kind of hard to put things in real perspective. Um, you know we've we've done a lot of things. You know businesses all tie all my loose ends. You know my estate plans and you know so there's not any financial concerns, but you know everything will be turnkey. You know when I'm gone, but it's, you know it's, it's a. You know I, my nieces and nephews will ask and I know they worry about it and you know, one of my nephews asked him. Like you know, buddy, I, I'm along for the ride at this point there's I have.

Dan Korhorn: 52:46

You know, I'm a guy that if I want something or I'm going to go after I, I have no control, yeah, none. So you know, like I said, I'm along for the ride. I got a great doctor. I got great doctors. We have good modern medicine. I see a holistic doctor as well. So I'm not a.

Dan Korhorn: 53:05

I believe in Western medicine, but I don't think that's cure all. I think some of the things my grandma used to do probably work too. So I kind of sure I don't throw away any current western medicine, but I do a lot of therapeutic things that have shown research that can help. Will it in the end make a difference? I don't know, but it's certainly not things that are hurting me. You know diet certain things I eat or don't eat. You know my diet is not going to be the end, that's for sure. Yeah, yeah, so it's, it's a perspective thing you know, and and it's the struggle I have, you know.

Dan Korhorn: 53:33

The hard part for me is, you know, I worry about my kids. I'm like man. I can be, you know, married and be a little more independent of me, you know.

Eldon Palmer: 53:41

I just you know this.

Dan Korhorn: 53:41

I know four other people that have seen cancer I do, but they're all in their seventies, right. I'm like I'm way on the young side for this, and so that's kind of my. My big thing is I worry about, you know my wife will be. You know she'll be fine and she's pretty resilient. You know her mom died of cancer nine years ago. Her dad went through brain tumor and been through a massive health issues, and you know so she. You know I don't want that for her, but but my girls are at that age where it's like I just would like them to be a little older and a little more independent. You know, then I have to deal with this. Yeah, can they be in their thirties? It just seems like it'd be easier. But yeah.

Dan Korhorn: 54:16

You know, I don't control it, I don't know what to say.

Eldon Palmer: 54:19

I guess that's probably to some extent freeing as much as it can be, because you just can't do anything about it.

Dan Korhorn: 54:26

I don't lay awake and do what you're going to do. You worry about it. What you're going to do? You take anxiety meds. No, why you don't have anxiety? I'm like fate sealed. I just you know, the difference is my I'm on an accelerated plan. We're all going to die. I just was thinking I was going to be in my eighties, not my fifties. Could I make it to 80? I could never know, but you know, statistically, no, you know statistically?

Eldon Palmer: 54:49

no, yeah, so this is something that comes up. You know, I know obviously there's a lot of people, especially past few years I don't know if it's age or or what, but a lot of people I know have cancer or have illnesses that we don't know how much, how long they have, and it's difficult to speak with them. It's almost like I think of it a little bit as like going to a funeral. It's like what do you say to the, to the widow or the widower, um, when somebody is sick with a, like a serious illness, like cancer, stage four, like how do you, um, how does a friend or family member provide support? Like you ask how you doing? It's almost seems awkward because you know that they might be struggling. One week might be better, one day might be better, what's?

Dan Korhorn: 55:35

your advice for people? Easy answer, unbelievable. Yeah, you can go either way, right? Yeah, yeah, it's interesting because I've been where you are. What do you say? You know, last year I had two clients that had buried their children. What? Do you say 17 years old, 30 years old.

Dan Korhorn: 55:55

I don't know what to say right, both of them were shocked to see me. You made it. You came all the way out here. Yeah, I came all the way out here. I can tell you what doesn't help, sending me videos and texts about what your cousin's uncle's plumber's best friend's brother, how he, you know, took, you know, blue dye and it cured his cancer. That doesn't help. Yeah, right, um, and I know people mean well when they do that. I'm not really concerned what your vet's neighbor has to say about cancer. You know, because I I would get that financial. Well, my neighbor says this what does your neighbor do? Well, he's a plumber. So then do you ask the electrician if you have to have a heart surgery? I, you know.

Dan Korhorn: 56:39

So it's that now for me. I'm a little, maybe it's a little weird, and it's not that I'm trying to avoid it, but I don't need to be reminded. I don't need a text every day. We're thinking. I don't need the same thing from every person every day. I'm like I'm aware I appreciate your thoughts and prayers and I thank you for letting me know, but I don't need a word of encouragement every day from the same people. It's like there's part of me. It's like at first I was like you're running away from it. No, I'm well aware of the situation, but I don't need to be reminded of it by a text 20 times a day from 20 different people either. It's like part of me is like just leave me alone. It is what it is. We'll keep you updated. You know, I think I'm pretty good at keeping people know kind of where things are at and I try my best to.

Dan Korhorn: 57:23

My wife will tell me I don't communicate enough at home, and it's not that I don't mean to, it's just I certain things that I'm like. Well, I didn't think it was important to tell you that I was doing this that day and sorry, you know so I understand where she's coming from.

Dan Korhorn: 57:36

But sometimes to me she's like, well, that's really important. I'm like, oh, okay, I didn't even give it a second thought. Yeah, so, um, so it's hard. It's hard to really say what to do. The number of people that have reached out cause you know, you realize how big your network is after 30 years of the number of people my clients all know. We have not hid that from them. We talked about it earlier, before we started. I'm sending for a variety of reasons. I have a hard time with my hands, so reply stuff to emails and stuff I'm sending via video. Well, that accomplishes two things it saves me the time of typing, but they can see me. I'm still here, I'm still healthy, you know I'm. Oh, it's healthy as I can be. I still am functioning, I'm active and it gives them a little peace of mind.

Dan Korhorn: 58:24

And so the responses back have been fantastic, you know, because they're excited that. Oh man, you know good to see you. So I'm getting a ton of that. So just knowing that people care of that, so just knowing that people care, they're praying for me around the world, that's really the thing I'm like. Appreciate your care. Thanks for reaching out. Let me know. If I need anything I'll ask, but I know I won't, because you know what do you? You know there's. Is there anything I can do for you? Not really.

Eldon Palmer: 58:51

Yeah.

Dan Korhorn: 58:53

So I mean you pray for me, but that's really. You know, I don't, we don't need anything, I don't need a GoFundMe, I don't need to bring meals. So when I had surgery, people brought meals. It just, you know, I was in the hospital for 10 days but I couldn't eat them.

Eldon Palmer: 59:06

I know that's the thing. You know. I'm thinking of that too, like oh well, the can't hate anything.

Dan Korhorn: 59:12

like I'm thinking a cup of something you know at a time, you know, and those took a while, but yeah, you know I can. I'm just so you know. If we were to go to subway, I can eat a six inch sub, a bag of chips and a drink and it'll all fit now oh, there you go, you know, a year ago yogurt and I was done for an hour okay yeah, so it's stretched a little, but probably to its breaking point, so I've got to be really careful.

Dan Korhorn: 59:32

Um, yeah, not overeating, because I'll pay for it for about two hours after so, but pretty good about that.

Eldon Palmer: 59:38

I kind of know where to stop yeah, so yeah, I will say you are looking good. I love the beard like it's um, it's looking all, it's looking great so well, it's two daughters, no yeah, um kind of it's winter. I don't get cold, but yeah you do as much chemo as I do.

Dan Korhorn: 59:53

You have a low platelet count so you bleed really easy. So it's probably and I'm not a electric razor guy, so saves me from having- there you go, it's kind of a laziness and uh keeps me warm.

Eldon Palmer: 1:00:03

I look, it actually looks sharp.

Dan Korhorn: 1:00:04

I like it so yeah, I keep it now, my wife, if I don't get it trimmed when I get a haircut as we get that manger yeah so we keep it pretty neat and tidy, so yeah, you know, overall feel. People say how do you feel I'm like good? I guess I'm like compared to what right? Compared to three years ago? No, Compared to Saturday when I was coming off my chemo Pretty good.

Dan Korhorn: 1:00:30

I mean to me if I can get out of bed and walk and work now walking, you know, I think I told you this I walk in the snow and I won't feel it. It's the neuropathy, but that's supposed to be okay. But I can get up and function every day and live.

Eldon Palmer: 1:00:44

You know I run out of gas pretty quick.

Dan Korhorn: 1:00:46

You know. You've been over to my. You know I'll work and shop projects. I don't have it in me really to do that kind of stuff right now, it's too cold out. But they removed one of my chemos which causes a lot of the fatigue and the neuropathy which apparently they do for everybody. I thought it was just me, but they won't let you have it more than a certain amount of times because of the damage. So I'm off that and so I've noted a difference and I found some things that improve the outcome. If I get real heavy with fluids after chemo, it seems to flush it better and I can stave the fatigue off until Sunday afternoon and I'm usually feeling pretty good by Monday, relatively good. But I go to that infusion center every week and I see people in there that are gray or green and shivering in blankets and pale, and so I look at it in that context. I'm like you know what I'm doing really good compared to what I'm looking at so yeah, yeah.

Dan Korhorn: 1:01:41

So I don't know what to compare it to. You know, compared to Saturday, you know.

Eldon Palmer: 1:01:45

Friday and Saturday for chemo.

Dan Korhorn: 1:01:46

I feel pretty good compared to how I did two years ago. I don't know, probably not as good, yeah.

Eldon Palmer: 1:01:50

So I imagine just keeping on with the daily routines is probably helpful and purpose, like I would think, like you've got to have a purpose.

Dan Korhorn: 1:02:00

There's a variety of thoughts and I've had a million opinions. You know I got sick about a month ago, pretty bad cold, to the point where, if it didn't turn around in a day or two, my wife was going to put me in the hospital.

Dan Korhorn: 1:02:10

I have basically no immune system. And I have people say to me it's like well, you know, you're going to your kid's sporting events, You're in a bowling alley with all those people, yeah, but I'm not going to live my life on the sideline either. What I'm going to just stay in the house and in bed so that I don't get sick, and I live an extra month and I'm missing my children's events. I'm missing life, and so I've kind of made the decision I'm not going to live my life on the sideline. You know, if a cold is going to be what takes me out, then so be it. Now I was supposed to go to Texas in January and I thought, yeah, maybe winter is not the best time for me to get on an airplane, and so I kind of postponed that, so I'm you know, I don't go to church because you know everybody's friendly.

Dan Korhorn: 1:02:54

But they cough and then they want to shake your hand, and then I forget to walk. So I've limited my in-office meetings. Face-to-face I'm taking a few but I'm not having like Ben's, taking six or eight a day, I'm taking two or three a week. I've tried to push that off. So I am taking some steps to be a little careful.

Eldon Palmer: 1:03:15

but I'm going to enjoy what's left.

Dan Korhorn: 1:03:18

I'm not going to, you know, I just I always joked. I'm like when I go it'll be mocked six with my hair on fire and I'll use everything up left in me. And I still have that attitude when I go. There won't be anything left, I'll have used it all.

Eldon Palmer: 1:03:30

Yeah.

Dan Korhorn: 1:03:30

I'm not going to leave anything on the on the table and I generally, if I'm relaxed, I'm relaxed, but if I'm doing something, I have two speeds it's zero or 100. There's no off, there's no in between.

Dan Korhorn: 1:03:42

I don't know how to do things other than that. That's just the only way I've ever been. So if I'm doing something, I'm doing it full tilt. If I'm not doing anything, I can lay on a couch all Sunday afternoon and watch football. I can do that all in on the couch, yeah, or all in at work. So, um, so yeah. But you know, I was talking to my friend, david uh, on the way in, and we were talking, we were, you know, and his mom's in from italy for three months and she hasn't seen me for two years and um, and I said, you start to realize what's important.

Dan Korhorn: 1:04:10

It's like, yeah, work's important and it gives me purpose and things to do, but my family's important too, so you, there's some opportunities coming up that we can travel here. You know we've got a vacation planned and it's like I'm going to try to take more opportunity, you know, to do that Now. I'd love to take him to Alaska and Hawaii yet.

Eldon Palmer: 1:04:27

Don't know what's in the cards.

Dan Korhorn: 1:04:28

but you know you've got to plan that out, but then I can postpone. So there's certain things that are on hold as far as how do you plan it, but I'm not going to just sit and wait for that to come. So people ask you know my doctor had asked me. You know people ask how much time I said I don't need you putting a number in my head and he looked at me and goes.

Dan Korhorn: 1:04:52

Good, he goes, because at the end of the day he goes, goes. I don't get to decide either, and so people ask well, how much time do you have? I'm like I don't know.

Eldon Palmer: 1:04:58

We'll know on the last day but um, you're, you're talking about the travel and I've always wondered like this because when you have to plan for two weeks or something and they have again I don't know enough about it but can you plan for things like, hey, I'll do my chemo in hawaii, like I don't know enough about it, but can you plan for things like, hey, I'll do my chemo in Hawaii, like I don't know, you know, I don't know?

Dan Korhorn: 1:05:19

Cross is fickle about what they want to pay for. You know they, they know it's, it's one of those things, but I'm on a treatment regimen where they can adjust those. So if I took a week off it wouldn't be detrimental. You know they had told me that. You know, if you need something comes up up. So, like next week, we're probably going to end up in detroit for state finals. Well, I have to leave on thursday afternoon. Well, I wear a pump from wednesday to friday. So I asked them. They got to get. Of course, the insurance company. Heaven forbid we do it a day early. They might.

Dan Korhorn: 1:05:46

Yeah, that's crazy they approved it so I can do it thursday and tuesday, and I'll get my pump out thursday. That's the plan for next week, so there's room. So if I were to go, on vacation for two weeks. I could still plan that I just delay treatment for one week, and if one week is the difference between living and dying, then you know I'm already there anyway, so yeah, Enjoy the yeah. Yeah.

Eldon Palmer: 1:06:05

Yeah, so. So any advice, like I mean, everybody's different, you're different than somebody else, but I mean, is there anything that you've kind of learned going through this that you didn't before, that you might offer to somebody?

Dan Korhorn: 1:06:19

learn, but it just solidified things, you know, it's just. You know I have daughters, you have daughters, right, they worry about stuff. And you know I would joke sometimes with my oldest. I'm like I have the gift of blankness, you know because she said how in the world is it you can go lay down in your bed and in three minutes you're sound asleep, no matter what happened. I'm like I don't know yeah and it's just.

Dan Korhorn: 1:06:40

I've always been that way, um, and so you think about what's going on and you know, do you have anxiety? I don't, um, I don't like it. I don't want it to happen. I think about you know what's it going to be like at the end. Is it going to hurt, is it going to be? You know, and I happen. I think about you know what's it going to be like at the end. Is it going to hurt? Is it going to be? You know, and I don't. I think my biggest fear is I don't want to see my children watch me shrivel up and shrink, and just my body you know, I've lost 90 pounds, right, I can't afford to lose any more weight.

Dan Korhorn: 1:07:10

Now you know I look pretty good, probably at the normal height and weight that I should be. So I don't want them to see their dad just kind of disintegrate, even though I know that's probably going to happen. So I don't worry about that. But you know there's a lot of things I don't want for my wife and children to have to go through. But again, I can't control it.

Dan Korhorn: 1:07:28

So, you can dwell on it and it can bring you down, and a lot of people have that. It's why there's not enough mental health practitioners out there, because people are struggling, people are suffering. I've never been that guy. It's a hand, I'm dealt. It is what it is. I would joke something. I said that to my daughter the other day. I said, look, I'm Dutch, we work and then we die. That's it, sure. So I don't know.

Dan Korhorn: 1:07:58

I've learned to let go. You know, I still have a tendency, I'm a little bit of control freak, so I'm trying to learn how to let go of things that are important. You know, at work I've been able to pawn off a lot of responsibility. I don't want to do anymore at home. It's still a little bit more. No, this is my thing, even at work. I'll oh, we can do this for I'm like no, I will ask for help. Don't just assume I need help, you know. And so we had. It was more prevalent last year when I was coming back. They were just doing things for me. I'm like just stop, I'll ask first. You know, I don't, I don't, and to me. I try to explain it to my family. I'm like there comes a point where you're trying to do this and I know your heart's in the right place and people want to do things for me start going too far down this road. You rob people of their dignity too, and so it's kind of this balancing act, you know.

Dan Korhorn: 1:08:37

So for the last month the neuropathy has been bad enough. My balance I got to walk with a cane. Now I'm kind of putting it to the side. It was like, well, you can't this. I'm like don't take, just let me go, let me. You know, I've got to be able to do this. Don't take away what dignity I have left, you know. So, um, but the biggest thing is like control what you can control and don't worry about what you can't control. And I've been that way most of my life. But this has just really made it. You have to. I mean, I'd probably go stir crazy and just go insane if I actually thought about the consequence. Oh sure, but again, gift of blankness probably.

Eldon Palmer: 1:09:13

I think even obviously it's different when somebody just retires. But I see people go in a year or two after they retire because they sit around. I always say they sit down watch Gunsmoke and Bonanza reruns and they're done because they stopped having a purpose.

Dan Korhorn: 1:09:28

My dad retired 16 years ago and I would tell you still at 70 years old, he's probably busier now than he did when he had a job, and he likes to be busy. I remember years ago I asked him. I said could you come over to the house some afternoon? I need a third hand helmet. I'm too busy. What do you mean? I got a lot to do. I said you don't even have a job. He said to me he goes well, a job just gets in the way of all the things you need to do. This is a guy that worked in a factory his whole life. Yeah, punched a clock from six to three, 30 and, you know, sometimes worked on Saturday and that's all he ever did. So for him, retirement was I finally can do what I want to do for me. I love what I do, so I've always thought that well, I can spend three months in Florida and I can work from there.

Eldon Palmer: 1:10:10

Sure.

Dan Korhorn: 1:10:11

And so I never saw myself retiring in the traditional sense, because I've got to stay busy. I'm a busy man, I've got to have something to do and there's only so many projects around the house and, like I said, I could try to golf every day. I mean, it's a challenge I'd be willing to accept.

Eldon Palmer: 1:10:26

But yeah that's.

Dan Korhorn: 1:10:28

You know life is what you make of it and you know you can dwell on it, which you know I'm I'm guilty of. You know getting in a bad mood over this once in a while and, like I said, my family probably takes a brunt of that. But overall I'm not going to say I embrace it but I'm not running away from it either.

Eldon Palmer: 1:10:45

So I've kind of that's a similar question to you know, I had a guy on here that'd been in 37 years in the same industry, in the mortgage industry, and, um, like, is there any advice? Just general of, hey, I've been through a lot of stuff um that you'd want to share. Stick, and stay and make it pay Stick and stay and make it pay Perseverance, and yeah, I'm like what's that?

Dan Korhorn: 1:11:10

Determination. Where'd that come from? Yeah, you know, you know it's. We can have all kinds of theory and all that, but at the end of the day, I I will attribute my success to my upbringing. Yeah, my dad showed me how to work hard and I still am of the belief that for the most part, you know, there's people that end up being, you know, ceos, or you know big, you know elon, musk types or jeffy.

Dan Korhorn: 1:11:32

But that's an anomaly For most people. I don't care what your background is, what your degree's in. You're all going to have an awful hard trying to work. A guy like me.

Eldon Palmer: 1:11:44

Yeah.

Dan Korhorn: 1:11:45

And hard work generally will pay off.

Dan Korhorn: 1:11:47

Now work smart, not hard, comes into play too, because I see that with a lot of small businesses, I'm like you're banging your head against the wall, don't do it this way. And you're working really, really hard, but you're not working smart about it. You need to make some changes, and so that's one of the biggest joys of my work now is seeing these young guys start a business and going no, no, no, do it this way, and you see them become successful. It's like I have a friend, which you know well, who worked for a corporation who's in the trades always had this fear I don't know if I can make it. You know I'm worried about health insurance and am I going to make enough money.

Dan Korhorn: 1:12:23

And he finally made the leap about five years ago. He's making four or five times the money he ever would have made working for somebody else and the best decision. But he wouldn't have got there without encouragement. His family was supportive and I'm not going to take a lot of the credit, but I'm like you can do this. Let me help you on this side of it and help you, and he will tell you. To this day he's like if you didn't push me over that edge, I wouldn't have probably done it oh yeah and so to me, that's probably the I get the most fulfillment out of my work.

Dan Korhorn: 1:12:50

Of that it's seeing somebody take that step. And we, you know, I started business, you know, over 20 years ago. Trust me, I've been more mistakes than you can fathom, a lot of our mistakes where we run through things like a bull in a china shop that didn't work real well. You know, you kind of look back and go yeah, that's probably a dumb way to do it right.

Eldon Palmer: 1:13:08

I think that's super important and I'd say that's the one thing I it's hard to get into. My kids is like it like it's okay to make mistakes, like make the mistake, learn from it and move on. And there seems to be a I don't know if it's just because I'm a parent or if it's generational, but it seems to be a little bit of a fear to make mistakes and and learn from them, move on.

Dan Korhorn: 1:13:30

Never see failure as failure, but look at it as an opportunity to reset and succeed. You know John Maxwell wrote that book years ago. Failing Forward yeah, very good book. It's like if you're not failing you're not trying Right?

Eldon Palmer: 1:13:47

Oh yeah, you can't they go together? Yeah, stick and stay and make a pay Right.

Dan Korhorn: 1:13:49

That was my partner's great grandfather out of upstate Washington. That was always his motto and we've kind of adopted it. The other, the other thing in our office is always is math wins.

Eldon Palmer: 1:13:58

No sure.

Dan Korhorn: 1:14:00

You can argue with me all you want, but math always wins.

Eldon Palmer: 1:14:02

Especially in your business.

Dan Korhorn: 1:14:04

Yeah so.

Eldon Palmer: 1:14:05

Well, anything else you'd like to share as we wrap up?

Dan Korhorn: 1:14:09

No, I'm not necessarily. I mean I just if you know people are, you know story, you know the cancer thing. I get a lot of questions on that and it's if I can help anybody out. I mean you've got to have, you got to trust your doctor, now him and I don't, you know, his bedside man. We don't see eye to eye, but his skillset is probably second to none.

Dan Korhorn: 1:14:28

So I tolerate it, um, even though it irritates me sometimes. Um, so've got to trust your care team. Rely on your family. Try not to bite back at them. I'm probably the worst culprit of that. They're struggling with it. The same, just in a different way. But I would tell you, you know, if you don't have a church family, that's a big part of it. You know my wife. You know I saw one of our clients came in today and she goes. I saw your wife in church yesterday, and so I get cards from these widows that are in their 80s. You know we're praying for you. So if I didn't have that to fall back on with my family, I don't know, I just I have something greater to look forward to. So maybe I think that probably has a lot to do with my attitude. Yep, which is an interesting juxtaposition we we talk about. I'm like I've read Revelation more times than I can count. I know what I'm expecting, but then why am I fighting so hard not to go yet?

Dan Korhorn: 1:15:21

So, it's this interesting dilemma you wrestle with in your brain which nobody's really been able to answer other than my pastor. He's like well, it's not your time yet he goes. Obviously there's still something you're here to serve for some reason. So I would encourage people, you know, if they want to talk to me about that, I'm open to sharing that too.

Eldon Palmer: 1:15:39

That's awesome.

Dan Korhorn: 1:15:40

And, uh, I think without that, you know that comfort. I think that's probably the one thing that, more than anything, is why I don't worry about it. It was set in stone before I was born anyways. So as part of the plan wasn't necessarily my plan, but it's the plan plan.

Eldon Palmer: 1:15:58

It wasn't necessarily my plan, but it's the plan Right, so, and so we'll just see where the ride takes us. Yeah, awesome. Well, thanks for coming on Dan.

Dan Korhorn: 1:16:02

Yeah, no appreciate it.

Eldon Palmer: 1:16:03

I think you guys love having you have.

Eldon Palmer: 1:16:05

Yeah, yeah, no, it's been great. I was hoping last year. Love having have you have me Sounds like a song. So till next time we'll see you guys. Thanks for joining us and we'll see you next time around, thanks, hey. Let's pause for a moment to thank our sponsors. The Palmer Group with 616 Realty, a small, experienced real estate team right here in West Michigan with over 20 years experience helping buyers, sellers, builders and investors reach their real estate goals. We love to solve problems and we're quite often known as the problem solver. So if you have a real estate challenge, you want to look for that dream home, need help figuring out that tricky land deal, give us a call. We'd love to help. You can find more out at thepalmergroup. That's thepalmergroup, not thepalmercom Thepalmerg-r-o.