About David J. McKnight - Professional Advisor, Progressive Writer & Passionate Coach

Financial Fitness Coach Victoria

Bells started ringing and as I spring boarded off Bohm’s teachings it naturally made complete sense that you, me, and everything we see in our entire cosmos, along with the universe itself as a whole, is in a process of becoming what it is intended to be. As human beings we are a layer of creation unfolding according to our own capacity and in this universal flowing movement from what’s possible to what’s real, our lives and ultimately our destinies are written. This flourishing idea led me to further understand that our physical universe as the primary layer of creation is a self-contained system and it too has a capacity; a flowing expanding entity, moving from creation to destiny and in the process of becoming itself, our intelligent cosmos manifests its potential and reveals its capacity through the expression of consciousness in life. Einstein’s famous E=mc2  for example wasn’t something that Albert himself invented… Read the full story in the HOW DID I GET HERE? – MY OWN EVENTFUL FLOW dropdown below.


As a mortgage specialist over the past 10 years, I’ve helped hundreds of individuals, couples and families satisfy their needs and achieve their personal goals through the financing of real estate.  Whether it’s been the dream of home ownership, a refinance to take care of important financial concerns, a repositioning at renewal to find the best deal, or the desire to acquire an investment property, my clients have continually placed their trust in me as a source of knowledge, vision and expertise for which I am forever grateful.  Not only for the continued support and kind referrals which have allowed me to earn a solid living, I’m also deeply appreciative of the freedom I’ve been able to enjoy as a self-employed professional – an independence without which I would never have attracted the opportunity to take my own life to the next level.

Through a life-changing flash of realization five years ago followed by an outpouring of creativity that has been flowing ever since – as you can see in this website and read further below – I’ve experienced a tremendous surge of personal growth and development; a profound change in me that along with my upcoming book, and other creative content has produced an aspiration to offer a deeper level of guidance for those trying to negotiate economic challenges and improve their financial position.  In this process of becoming who I am today it became clear to me, that in order to help people in this meaningful way and deliver a higher degree of real world advice that connects the dots between money and mind, I needed to put a name to this unique and holistic approach I was envisioning.  Comprehensive and clear-sighted, I offer you YOUR FOOTPRINT


It’s sad to say that the one thing we all share is the one thing we barely recognize but I intend to change that!  What many who know me do not know, is that I’ve spent countless hours over the last 25 years learning, studying and pondering the natural evolution of our physical universe and how this amazing reality is so deeply connected to the essence of your existence as a human being.  In my own eventful flow written below, I describe how a lightning bolt of creativity drove me down a purposeful path towards my life’s work introduced to you in this website’s think pieces and compendium – an exciting, refreshing and enlightening new worldview aimed to change the way we look at ourselves.


As I watched a theory of consciousness naturally unfold to become the contents of my book:  Our Flowing Existence – A Journey to Cosmic Consciousness, I realized that it’s not only the human species collectively that’s on this incredible journey, but each and every one of us individually as well.  The creative energy which coursed through me and manifested into what I share with you today is within anyone’s reach to grasp – a natural intelligence at the core of your being that’s existed there since the day you were born.  This capacity that I’m speaking of is not just your IQ; it’s so much more than that.  I’m talking about a far deeper level of intelligence that expresses itself through your consciousness and life – a source of power that unfortunately for the vast majority of us has gone and will continue to go largely unrealized if left undiscovered. So, I’ve developed a self-actualization program designed to help people tap into this creative potential at the core of their being and turn what’s possible into what’s real. See “YOUR FUTURE” under Services to learn more.

How Did I Get Here? – My Own Eventful Flow

Ever since my childhood the universe for me has been a source of wonder and fascination.  At a young age I can clearly remember crawling out my bedroom window onto the roof of our family home to get a better look at a rare passage of Mars.  It was a beautiful cloudless evening and I recall myself staring awestruck at the night sky; spellbound by the Red Planet’s magnificent glow outshining the surrounding stars.  Growing through adolescence and into adulthood my sense of awe for the night sky would follow, but it wasn’t until my early 20’s that the light bulb of cosmic awareness truly switched on.  It was Christmas morning and as the gift that blatantly betrays itself as a book was handed to me – my mother had her radar tuned to my interest in the stars – I was excited!  As the Santa wrap hit the floor my attention was immediately drawn to an intriguing title:  The Three Big Bangs written by Dauber & Muller was looking up at me with the book’s subtitle of Comet Crashes, Exploding Stars, and the Creation of the Universe instantly gripping my imagination.  On the way home from my holiday visit I cracked the paperback for the first time and was introduced to a reality far more amazing than anything I had ever dreamed of.  From the demise of the dinosaurs by a hurtling chunk of space rock paving the way for the rise of mammals and ultimately human beings, to the death throes of supermassive stars making possible the emergence of life itself, I raced through the first two sections of the book and was hooked!  Turning each page was an activity of keen awareness as my comprehension of a wonderfully creative and truly compelling universe began to take shape.

Blasting into the last section of the soft cover describing the creation and evolution of the cosmos in its entirety, I must admit the sudden realization of our universe’s stupendous form and staggering immensity felt rather overwhelming and somewhat intimidating, maybe even a little scary, but as I undauntedly pushed forward it didn’t take long before these feelings of astonishment, amazement and perplexity were replaced by knowledge, reason and enthusiasm as the information compiled there would be the launching pad to a decade of discovery.  There is no deeper discussion we can have than the totality of existence and as I polished off the final portion of The Three Big Bangs, a fire was kindled in me that would burn through the biography of our universe – the life story of how the cosmos we witness today with its trillions of galaxies, septillions of stars, and plethora of planets including our dynamic living Earth could materialize from the primordial fireball of an energetic big bang was simply captivating.  Feeling tremendous excitement for this profound insight and in some sense privileged to be learning such rich and relevant information, I began devouring any related subject matter that I could get my hands on.  From quantum mechanics and string theory to the macro universe of cosmology, this personal decade of deep discovery built in me a solid foundation of understanding, perspective and appreciation for our physical reality.  

Science can only teach us so much however and in my early 30’s I suddenly found myself wanting for more meaning in my life than the knowledge of physics and the wisdom of cosmology could provide.  Whether it was the arrival of my first child or a natural maturity that comes with age, I do not know.  What I do know is that when you ask the universe for change it always makes itself available as my craving for something more led me to the next great leap in my own eventful flow – a life-changing step towards the activation of my spiritual intelligence.  Often, it’s the books people awaken us to that become catalysts in our growth, and this was certainly the way it continued to happen for me when a friend of mine inflicted with a life-threatening genetic disease was given a new lease on life.  Death’s door was looming and through the dedication, courage, and will of his loving wife, friends, and family it was decided he needed to go...A desperate yet purposeful move to a faraway larger city representing a beacon of hope and opportunity for finding his all-important organ donor match.  When we pick ourselves up and move ourselves forward with true intention, it’s amazing what can happen as this last ditch million-to-one-shot at saving a life came up aces!  I had not seen my friend for many months and upon his triumphant return home I couldn’t get over his eyes; full of life – it has been said many times before that our eyes are the window to our soul – he was nothing short of a new man.  In the revealing stories and inspiring discussions that would naturally follow, my friend couldn’t stop raving about a particular book that saw him through some of his darkest hours and I was compelled to act on his impassioned recommendation.  As I delved into Dr. Wayne Dyer’s The Power of Intention it became instantly clear this book was the introduction to my spiritual self I was subconsciously searching for.  Dyer’s description of a receptive, abundant and expansive cosmos full of beauty, love, kindness and creativity was truly refreshing; an intentional and participatory universe in stark contrast to the accidental universe I had read about in so many scientific publications – where matter is all that matters and everything that exists including our consciousness itself can be derived purely from elementary particles obeying the laws of physics.  There now appeared to be a fork in the road ahead of me; a science versus spirituality dichotomy of mind that many before have undoubtedly travelled.

An exciting new decade of self-discovery would ensue; a period in my life that I can best describe as an awakening.  Enthusiastic as I was to have this enticing new spiritual perspective on life itself and on the universe as a whole unfolding inside of me, I was careful not to let it undermine an established foundation of scientific literacy and reason.  In the process of our becoming as human beings, like a cosmic crime scene the universe left behind material clues revealing how we physically got here; observational evidence leading to universal truths that could not be shaken.  In the course of sifting through diametrically opposed worldviews over the next few years, I began to see this apparent fork in the road between science and spirituality was simply an illusion.  In the words of Dyer (RIP) who often said, “When you change the way you look at things, the things you look at change.” it would become clear to me that the physical and cosmological groundwork I had so steadfastly laid down in the past was intimately connected to an essential intelligence being discovered in this new phase of my life.  There was a deep link between the science I had learned and the spirituality I was exploring, there had to be.  After all, in light of the big bang, everything comes from the same place and I felt inspired to reveal this compelling connection.

Once again, pivotal literature would show up at just the right time and several years after my inaugural venture into the spiritual realm with Wayne Dyer, I found myself quite serendipitously in possession of what I would consider the most profound publication in my journey to date – a book written by a physicist gone spiritualist and now gone forever.  David Bohm’s Wholeness and the Implicate Order was my own personal enlightenment as he introduced me to a completely new way of looking at the world, the universe at large, and frankly, reality in general.  There is a bridge between science and spirituality and I found it in these pages with Bohm describing our entire universe as undivided wholeness in flowing movement where the universal reality we all share and our knowledge surrounding it are to be considered as one total process.  Put most succinctly Bohm said, “What is is the process of becoming itself.” and went on to describe our manifest physical reality as an interconnected explicate order stemming from an unseen implicate order that is the ground of all existence.  In other words, our observable universe (the explicate order) from big bang birth to our present moment 14 billion Earth-years removed is best understood as a process of becoming itself, and in this flowing movement of becoming there exists an active universal intelligence (the implicate order) that drives the cosmos towards its unfoldment. When you look at an acorn you know there’s an oak tree inside, it just takes time and the right conditions to become what it is intended to be.  Just like our universe as a whole, the explicate acorn is driven by an implicate intelligence that unfolds the acorn’s capacity to become an oak tree – not a pumpkin, flower, or anything but. 

Bells started ringing and as I spring boarded off Bohm’s teachings it naturally made complete sense that you, me, and everything we see in our entire cosmos, along with the universe itself as a whole, is in a process of becoming what it is intended to be. As human beings we are a layer of creation1 unfolding according to our own capacity and in this universal flowing movement from what’s possible to what’s real, our lives and ultimately our destinies are written.  This flourishing idea led me to further understand that our physical universe as the primary layer of creation is a self-contained system and it too has a capacity; a flowing expanding entity, moving from creation to destiny and in the process of becoming itself, our intelligent cosmos manifests its potential and reveals its capacity through the expression of consciousness in life.  Einstein’s famous E=mc2  for example wasn’t something that Albert himself invented.  The most renowned equation of all time was actualized or written into the universe at the very beginning.  It just took the genius of Albert Einstein to realize the monumental connection of this mass-energy equivalence and present it to our thinking in the form of an algebraic expression.  Through an “act of insight” as Bohm would have described it, like an archaeologist excavating evidence from the ground, Einstein tapped directly into the capacity of our universe, articulated the manifested physical intelligence stored there, and uploaded this information to the memory of mankind (the human stream of consciousness).  Einstein’s spectacular realization – best understood as a transfer of information from our universe’s physical intelligence to its mental intelligence2 – is certainly one of the most profound acts of insight human beings have ever witnessed, but it clearly isn’t the first, nor will it be the last.  Our knowledge too is in a continual process of becoming and through these acts of insight, and imagination (thought) becoming reality, the human stream of consciousness continues to flow today.  The previous light bulb of cosmic awareness that switched on in my early 20’s had now become a floodlight of realization in my mid 30’s – I was really on to something here as this deep-seated universal intelligence underlying everything in our cosmos suddenly felt palpable and accessible to me.  Invigorated and eager to uncover more, my own eventful flow would lead me to further acts of insight and discovery, but it would take a setback in my own life to realize the most important connection.

Throughout my 20’s and into my early 30’s, all the effort of learning, studying and pondering the universe was accomplished in my free time; away from my work-life activities which were for the most part devoted to the financial industry.  We are not what we do for a living, and I know life is about much more than just the money, but considering about half my waking moments were spent at work, I felt the importance of having a connection to what I was doing.  Feeling stuck behind a desk there was no such purpose and watching the clock, months and seasons tick by had become nothing short of mind numbing.  With change as good as a rest and never one to settle for too long, I put my name in for a position that would give me a renewed sense of freedom and a fresh landscape to explore – a role that nicely suited my skill set where I could really help the company.  Shortlisted to two but never the one, I received the fateful call.  Going home that evening in complete disbelief, I sorted through my feelings of disappointment and anger to realize that my days with this institution were over.  I thought about my friend who recently received his organ transplant – if he had the courage to pick himself up and move himself forward, what was preventing me?  My own situation certainly wasn’t life or death, but it was starting to feel like it!  Firmly entrenched in the teachings of Wayne Dyer at the time, he said “Be miserable.  Or motivate yourself.  Whatever has to be done, it’s always your choice.”  I wrote my resignation and the next chapter would begin.

Considering I had no steady job to be assuming and two young children at home, I’m forever thankful for a loving and supportive wife who trusted my decision to move on and understood the need to stretch my wings.  My intention was to go into business for myself – a financial coaching platform that wouldn’t materialize...At least not yet anyway.  Everything is interconnected, and you never know where your next opportunity is going to come from.  In this case, it was through a chance encounter, an intuitive phone call, a previous connection, an open mind, and willingness to change, where I was automagically swept up and carried towards a self-employed position as a mortgage broker.  Truly inspired by the stimulating sequence of events that had just occurred, I tackled a demanding course schedule, breezed through the mandatory entrance exam, and in little more than 3 months from quitting my job at the financial institution, I was on a trajectory towards a budding career.  Reflecting on this course of action now, it’s clear in the river of life that when you release yourself from the rocks of frustration, self-pity, regret, or any negative emotions that hold you down, the natural flow that propels our creative cosmos will pull you up and carry you in a positive direction.  For the first time in my life I felt a true sense of purpose in my work with a career that I could really sink my teeth into – one that was exciting, challenging, rewarding, and lucrative.  Year after year, previous milestones were exceeded, and everything was going great.  However, as things were winding up in my career and earning potential, forces beyond our control would slow things down as winds of change created in the US sub-prime meltdown blew a cloud of chaos over the Canadian border resulting in serious economic concern followed by unprecedented government intervention into the mortgage industry.  A new regulatory landscape of lending would swiftly emerge characterized by mass confusion and public uncertainty.  Our industry started to grind, and in turn, the fabric of a long-term business relationship began to fray as the suppression in the flow of mortgage funds brought reduced revenue, detrimental decisions, and discord to the office.  Loose threads would lead to tatters and before long a seemingly solid alliance had turned to shreds.

When something that you feel purposeful about and connected to is suddenly extinguished it can leave you totally disheartened and this was certainly the case for me; thoughts and emotions compounded by the fact at this stage in my life, it felt like I was starting all over again.  As a man, I’m not afraid to admit that I have feelings.  In fact, I believe our emotions are the gateway to our spirit, and as I went through my ups and downs and relative cheerlessness in picking up the pieces over the next few months, it was one monumental afternoon where everything changed.  Being an early riser it’s not uncommon for me to take advantage of a quick power nap to recharge my batteries, and as I retired to the silence of my bedroom on this idle afternoon still feeling a little sorry for myself in a moment of reflection, I began to seriously question what I wanted to create in my life.  “What do I want?” is one of the most profound and essential questions we can honestly ask ourselves and in this quiet moment of contemplation, thoughts about my own intentions turned to thoughts about Intention itself – a dramatic shift in focus that would inspire me in the sudden consideration of our universe to wonder aloud “What really is Intention?!”  The epiphany that followed would be my turning point.  Grabbing my bedside notepad, I jotted down Intention as the source of what I spontaneously perceived as the totality of consciousness and in a flash of realization; I manifested the fullness of its meaning.  Stepping back in relative amazement from this swift outpouring of insight, there is was – this new conception of a conscious cosmos expressed in a comprehensive and unfolding order – a flowing framework describing the evolution of consciousness both individually and universally.

I am sure that artists and musicians encounter this spirit of creativity often, but for me, it was the first time that my deeper thoughts about the universe materialized into something innovative.  I’m not a visually artistic person by any stretch of the imagination, in fact I couldn’t draw or paint to save my life, but something possessed me to start putting these ideas down on paper graphically.  In euphoria of discovery and with this new conception of consciousness as my starting point, a visual matrix began to unfold in a whirlwind of creative energy that I had never before experienced and haven’t encountered since.  Often waking in the middle of the night electrified with a clear vision of how to create the next section or component in this developing picture, it quickly became obvious to me that whatever this gripping force was, it would be the catalyst to discovering new direction and purpose in my life.  Over the next several weeks this matrix of my realizations, thoughts, ideas and hypotheses would come to fruition, and feeling as though an exciting new paradigm was somehow being written through me, I watched a unifying theory naturally unfold, evolve and expand towards the compelling conclusion in questions of our origin that we are the universe trying to understand itself; while the universe expresses itself through us and all of life.  The intention I had questioned in a moment of reflection would become a new cosmology of consciousness where life in general and human beings in particular embody the evolution of a cosmic capacity that continues to unfold right now.  Our universe is driven to express its all-embracing intelligence and the physical reality that we are all intrinsically connected to is the field of possibility for this creative expression.  The cosmos I had studied for so long suddenly made complete sense to me, and in the process of becoming from an infinitesimal seed3  to intelligent beings capable of contemplating their own existence, I realized what it truly meant to say in the ripening of human knowledge that we are the universe getting to know itself – the becoming of intelligence through the expression of consciousness from creation to destiny.

In the aftershocks from the lightning bolt of creativity that coursed through me, I could see this newfound cosmology of consciousness had all the potential in the world to become a book with a title that would flow as naturally as the contents that preceded it.  Our Flowing Existence – A Journey to Cosmic Consciousness was born and the path of my life would find new direction.  It’s certainly true in life and in our own eventful flow that when one door closes another door opens as I share this story with you now.  It’s been a tremendous journey getting here and if what you find in these words intriguing or inspiring, and if you haven’t already done so, I invite you to open The Universal Flow of Consciousness & Existence – a brief treatment or summary designed to prepare you for my upcoming book and to provide you with a deeper level of understanding for a fascinating universe that is far more than simply physical.

Albert Einstein

Read the compendium, engage the think pieces, participate in my blog, check out my services, and subscribe to this website so I can keep you informed of what’s to come along the way...Enjoy your journey!


1. In the becoming of our cosmos there are 5 definitive layers of creation revealed in succession from Universe, to Galaxy, to Star, to Planet, to Life.  Each having its own distinct rudimentary beginning, these layers of creation in concurrent activity are the manifestation of our universe’s potential through the unfolding of its capacity from creation to destiny.
-    See:  The Universal Flow of Consciousness & Existence

2. The emergence of our universe’s mental capacity (i.e. human thought and awareness) is an integral step in the unfolding of its universal intelligence. In the expression of itself, anatomically modern human beings are the highest form of our universe’s mental intelligence that we are presently aware of.
-    See:  The Universal Flow of Consciousness & Existence

3. A wealth of observational evidence reveals that the vast universe we observe in the here and now originally began as an unimaginably tiny point of supreme density and temperature where matter, energy, space and time were unrecognizable from one another – this place of undivided wholeness where the fundamental forces of nature and the laws of our physical reality had not yet emerged. A unified embryonic beginning in the form of an infinitesimal seed that would be the precursor to the material complexity of galaxies, stars, planets and life we witness in our developing cosmos today.
-    See:  The Universal Flow of Consciousness & Existence