Preheat the oven to 350F. Line a 9x13-inch baking dish with parchment paper.
In a large bowl, whisk together the milk, butter, ginger, vanilla, and eggs until smooth.
In a high-speed blender, add the seeds, hemp seeds, and coconut and blend until a fine meal forms. Transfer to the same large bowl along with the oats, nuts (if using), dried fruit (if using), sugar, cinnamon, baking powder, and salt. Use a rubber spatula to mix until thoroughly combined. Stir in the carrot and apple.
Transfer to the prepared baking dish, spread into and even layer, and bake for 50 minutes, or until golden on top and firm in the center. Let cool for about 10 minutes before slicing (it will firm up as it cools and sits in the fridge as well).
Serve topped with Greek yogurt, a drizzle of maple syrup or honey, and a sprinkle of toasted nuts or seeds.