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.

Two people smiling and holding a book titled 'The Awakened Wealth & Life Alignment Guide' in front of a colorful landscape painting that depicts a sunset and an American flag in a field of flowers.

We Help Couples Discover When They Can Retire, What Tax Strategies to Consider, and What Decisions May Matter Most in Retirement With Visual Clarity

Flat Fee Financial Planner Fiduciary No AUM Fees | Veteran & Woman Owned | HQ NC & AZ | Serving Virtually Nationwide

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Together, David and Ashley hold advanced degrees including an MBA, MSCJ, and MSBL, along with financial planning, yoga, breathwork, and meditation certifications that support their unique approach to helping couples prepare for retirement and beyond. We have been together for 20 plus year as a married couple ourselves.

Most People Have Never Actually Seen Their Retirement Options Like This

Many people have retirement accounts, investments, and financial advice.

Yet they have never actually seen how their retirement income, taxes, spending, Roth IRA conversion opportunities, Social Security Benefit decisions, and other major financial choices may work together visually over time. That is why we use visual planning tools to help couples see potential outcomes before making important decisions. Retirement confidence rarely comes from one decision. It often comes from understanding how many decisions work together.

That may include:

• Tax strategies and Roth IRA conversion analysis

• Retirement income and tax-efficient withdrawal planning

• Social Security Benefit timing, especially for married couples

• Investment and account-type coordination

• Tactical protection strategies designed to help reduce certain retirement risks

• Estate planning and tax-aware inheritance planning

• Deferred Compensation, Restricted Stock Units, Bonuses and more.

Most people are not missing effort. They are missing the ability to clearly see how the pieces may fit together.

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Questions Real People Ask and We Help Solve

Most people are not looking for more financial noise. They are looking for clarity around what may actually be possible in their own life. As flat fee financial planners with no AUM fees, we help answer questions like this.

• When can we realistically retire?

• How much can we confidently spend in retirement?

• What tax strategies should we consider?

• Should we consider Roth IRA conversions or not?

• How can we reduce certain retirement risks without sacrificing opportunity?

• What happens if one of us passes away?

• What would retirement actually look like for us?

These are the kinds of retirement, tax, income, and planning questions we help couples explore through one-time and ongoing flat-fee planning engagements.

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See What Coordinated Retirement Planning Can Actually Look Like

Different decisions can lead to very different retirement outcomes. Visual planning helps make those possibilities easier to understand.

A retirement planning infographic comparing four different retirement options for Josh and Sarah, showing their target retirement ages, projected balances, monthly spending capacity, and key strategy drivers.

An infographic about retirement planning showing a couple sitting by a lake during sunset, with data on total assets, savings plans, and monthly after-tax income for different retirement plans.

An infographic titled 'Roth IRA Conversions Analysis' with two sections: the first shows a line graph comparing account balances over time for tax-deferred versus Roth conversions, highlighting the breakeven point around 2040, with labels 'Taxable, Tax-Deferred' and 'Taxable, Tax-Free (Roth)'; the second section illustrates potential lifetime tax savings with a line graph indicating growth in account balance for Roth versus traditional accounts, with a key takeaway explaining that converting to a Roth involves paying taxes now but offers tax-free growth later.

The examples and visuals shown above are for educational and illustrative purposes only. Actual outcomes, tax strategies, and financial decisions vary based on each person's circumstances.

Start With Greater Clarity

Whether you are preparing for retirement, already retired, exploring tax strategies, or simply wondering what may be possible, a coordinated visual plan can help you better understand your options before making important decisions.

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We Help Couples Discover When They Can Retire, What Tax Strategies to Consider, and What Decisions May Matter Most in Retirement With Visual Clarity

Most People Have Never Actually Seen Their Retirement Options Like This

Questions Real People Ask and We Help Solve

See What Coordinated Retirement Planning Can Actually Look Like

Start With Greater Clarity

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