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Financial Regulation: Building Wealth from Calm, Clarity & Values

Financial Regulation: Building Wealth from Calm, Clarity & Values

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What if financial planning wasn’t about chasing a number—but about designing a life that actually feels aligned?

In this episode of The FitZen Project, I’m joined by Mike Milligan, author, Certified Financial Planner®, and Founder of 1 Oak Financial—a firm dedicated to helping pre-retirees and new retirees build intentional, values-driven financial futures.

As part of the FitZen Regulation Series, this conversation explores financial regulation through the lens of conscious leadership. Mike challenges the traditional obsession with “Return on Investment” and instead introduces a more grounded, human approach he calls “Return on Life.”

We talk about money as energy, clarity, and stewardship—and how financial decisions are deeply influenced by the nervous system, self-trust, and personal values. Rather than chasing a generic number or timeline, Mike shares how to design a financial plan that supports your unique life purpose, seasons, and capacity.

In this episode, we explore:

  • Financial regulation and why calm creates better money decisions
  • The shift from Return on Investment to Return on Life
  • Money as energy management, not j
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