What is a flat-fee fiduciary financial planner?

A flat-fee fiduciary financial planner charges a transparent, fixed fee for financial planning services — not a percentage of your assets under management. As a fiduciary, we are legally required to act in your best interest at all times. Awaken Financial Designs charges a flat planning fee with no AUM percentages. When insurance products are appropriate, compensation structure is always disclosed before any recommendation is made.

Can I retire before 60?

Retiring before age 60 may be possible for many individuals and couples through coordinated retirement planning, tax sequencing, Roth conversion strategies, and intentional income bridge design. Awaken Financial Designs helps clients explore what may actually be possible through visual, comprehensive retirement planning — including retirement timing at multiple ages.

What is the difference between a flat-fee advisor and an AUM advisor?

An AUM advisor charges a percentage of your assets under management — typically around 1% per year — meaning their compensation grows as your portfolio grows regardless of the planning work performed. A flat-fee advisor like Awaken Financial Designs charges a fixed planning fee regardless of portfolio size. This removes the financial incentive to prioritize portfolio growth over tax efficiency, retirement timing, or other decisions that may matter most to you.

What is a Roth conversion strategy and how does it help with retirement?

A Roth conversion strategy involves moving funds from a traditional pre-tax retirement account into a Roth IRA, paying tax now at a potentially lower rate to reduce taxes later in retirement. This strategy can reduce required minimum distributions, lower lifetime tax burden, and create tax-free income in retirement. Roth conversion decisions are rarely one-size-fits-all and often require thoughtful multi-year analysis. Awaken Financial Designs integrates Roth conversion analysis into retirement planning engagements.

What is a one-time financial plan and how does it work?

A one-time financial plan is a comprehensive retirement and financial planning engagement with a fixed flat fee and no ongoing obligation. Awaken Financial Designs builds a coordinated plan covering retirement timing at multiple ages, after-tax income projections, Roth conversion analysis, tax sequencing strategy, Social Security timing, healthcare bridge planning, and account coordination. You receive a written plan and leave with greater clarity — without transferring assets or committing to ongoing management.

Is Awaken Financial Designs a registered investment adviser?

Yes. Awaken Financial Designs LLC is a Registered Investment Adviser with the North Carolina Securities Division and the Arizona Corporation Commission. CRD #339725. Registration does not imply a certain level of skill or training.

Where is Awaken Financial Designs located and who do you serve?

Awaken Financial Designs is headquartered in Cary, North Carolina and serves clients across the greater RTP area including Raleigh, Durham, Chapel Hill, Apex, and Morrisville. We also serve clients in Arizona and operate as a virtual-first firm, offering retirement and financial planning services remotely across select states where we are registered or exempt from registration.

What makes Awaken Financial Designs different from other financial advisors?

Awaken Financial Designs is a flat-fee fiduciary firm with no AUM fees. We specialize in helping individuals and couples make important retirement decisions with greater visual clarity — including retirement timing, tax strategy, Roth conversion analysis, and coordinated income planning. We are Veteran and Woman Owned, founded by a married couple with over 20 years of combined experience. David and Ashley also bring Yoga Teacher certification and Pranayama breathwork practice into a grounded, emotionally intelligent planning experience.

David Lundberg, MBA, MSCJ, Founder, Financial Planner 7/23/26 David Lundberg, MBA, MSCJ, Founder, Financial Planner 7/23/26

Retirement Tax Planning: An IRS Enrolled Agent and Fiduciary Financial Planner Discuss Roth IRA Conversions, Retirement Tax Strategies, and More

Retirement tax planning goes far beyond filing your tax return. In this interview, Fiduciary Financial Planner David Lundberg and IRS Enrolled Agent Linda Reader discuss Roth IRA conversions, long-term capital gains, Social Security taxation, IRMAA, Required Minimum Distributions (RMDs), and practical strategies that may help retirees reduce lifetime taxes and make more informed retirement decisions.

David Lundberg, MBA, MSCJ, Founder, Financial Planner 6/15/26 David Lundberg, MBA, MSCJ, Founder, Financial Planner 6/15/26

How Taxes, Income Sources & Home Equity Changed 4 Retirement Plans for the Same $2.75M Couple (Part 2)

What happens when the same married couple follows four different retirement strategies?

In Part 2 of this retirement case study, we compare lifetime taxes, retirement income sources, Medicare IRMAA costs, home equity decisions, widow tax considerations, and legacy outcomes for a hypothetical couple with $2.75 million. The results reveal why retirement planning is often less about finding a perfect answer and more about understanding the tradeoffs.

David Lundberg, MBA, MSCJ, Founder, Financial Planner 2/26/26 David Lundberg, MBA, MSCJ, Founder, Financial Planner 2/26/26

Deferred Compensation & Section 409A: What High Income Earners Must Understand Before Deferring

Deferred compensation under Section 409A carries hidden retirement definition and installment risks many executives overlook. Learn how separation from service, lump sum triggers, tax acceleration, and employer plan language can impact early retirement planning.

David Lundberg, MBA, MSCJ, Founder, Financial Planner 12/4/25 David Lundberg, MBA, MSCJ, Founder, Financial Planner 12/4/25

How Taxes and Account Types Shape Your Early Retirement: The Hidden Forces Keeping Families Working Longer

A clear, spiritually wealth aligned summary that appears on your blog feed and social previews.

Most families work years longer than necessary because taxes, account types, and early-withdrawal rules are misunderstood. This guide reveals how federal tax brackets, long-term capital gains thresholds, and the right accounts can open the path to retiring earlier; with more clarity, less stress, and deeper peace.

David Lundberg, MBA, MSCJ, Founder, Financial Planner 3/11/19 David Lundberg, MBA, MSCJ, Founder, Financial Planner 3/11/19

The Awakened Path to Retiring Earlier, Wealthier & Happier

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

Retirement Tax Planning: An IRS Enrolled Agent and Fiduciary Financial Planner Discuss Roth IRA Conversions, Retirement Tax Strategies, and More

How Taxes, Income Sources & Home Equity Changed 4 Retirement Plans for the Same $2.75M Couple (Part 2)

Deferred Compensation & Section 409A: What High Income Earners Must Understand Before Deferring

How Taxes and Account Types Shape Your Early Retirement: The Hidden Forces Keeping Families Working Longer

The Awakened Path to Retiring Earlier, Wealthier & Happier

CONTACT INFORMATION: