Age of Balance

Where systems thinking meets the human spirit

Kevin Howard

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We did not arrive here by accident.

About

Kevin Howard

Breadcrumbs...the clues that will lead you home.

Kevin Howard was born in 1965 in the Bronx, New York, the son of a Panamanian immigrant mother. Raised in Catholic school, he enlisted in the U.S. Army at 18 and spent four years serving with NATO forces in Europe during the Cold War's final chapter.

College followed the military — economics and political science, then law school — and from there, a quarter-century climb through commercial banking. By every conventional measure, it was working. Senior roles, respected institutions, a clear trajectory.

Around 40, it stopped making sense. Not the work itself, but the premise underneath it — the idea that accumulation and achievement were supposed to feel like enough. They didn't. What followed wasn't a breakdown so much as a slow, honest reckoning: ten years of peeling back assumptions about success, purpose, and what it actually means to live well.

In 2016, during a run in Carlsbad, California, something shifted. Kevin describes it simply — a moment of knowing, deep and unshakable, that we are one. Not as philosophy. As experience.

That understanding changed everything. He walked away from banking and toward the work he does now — not because he had a plan, but because he couldn't unsee what he'd seen. The writing, the podcast, the housing and climate work — all of it flows from that same source: a belief that the systems we built aren't serving us, and a stubborn conviction that we can build better ones.

Kevin currently lives in the Pacific Northwest (US) where the forest meets the water. The journey for community continues...

Kevin Howard - Climate Risk

Climate Changes Everything

Practical solutions for climate mitigation, adaptation, sustainability and equitable development.

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Price Gap Agreement

A financial innovation making housing affordable in cities like Seattle — closing the gap between what homes cost and what people can pay, without subsidies or charity.

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Equity Advisory Committee

Appointed to Oregon DEQ's Climate Protection Program Equity Advisory Committee in 2025. Kevin advises on equitable implementation of the state's carbon emissions reduction program — ensuring climate policy centers the communities most impacted by environmental injustice, not just the systems that created it.

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Saplings Development

Affordable, energy-efficient housing in Vancouver, BC. Founded by Chris Adlparvar, Saplings pioneers a 10-year vesting ownership model where renters become owners.

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The circle of self-interest must become the symbiotic balance of interdependence.

Onward, At Last

A book about what happens when the American Dream stops working — and what we build next.

Onward, At Last - 2024 Presidential Election Edition
🏆 2025 Bronze IPPY Award — Best Adult Nonfiction

Originally published by Atmosphere Press in December 2022, Onward, At Last grew into a six-volume 2024 Presidential Election Edition with 94 commentaries examining America's systems through the lens of lived experience.

The Book Club Condensed version distills the core argument into four chapters — for readers who want the essence without the encyclopedia.

Forward by John Fullerton, founder of the Capital Institute and pioneer of regenerative economics.

Read all commentaries including the 94 published commentaries on the Universal Oneness Blog.

2024 Presidential Election Edition

Book Club Condensed Version

🎧 Audiobook Sample: "And Then She Awakes"

Narrated by Carolyn Jania

Who am I? What am I? Why am I?

Published Writing

Essays, articles, and reflections on climate, economics, and the human condition.