Most people believe retirement and early retirement is about money alone. This article explores why time, energy, and freedom are the true currencies of early retirement. How a human-centered, holistic approach helps families live more fully while still planning wisely for the future.

Most retirement plans are built by software. We believe planning should begin with the human first. This article explores why clarity, life vision, and human-centered planning create a richer, happier retirement than spreadsheets alone.

A conscious, tax-smart approach to financial planning for modern families in NC, AZ, and virtually. Discover how spiritual alignment, early-retirement strategy, and flat-fee fiduciary guidance help you retire earlier, wealthier, and happier. With clarity, conscious alignment and peace. 11/19/2025 David Lundberg MBA MSCJ Financial Planner and Founder