Separation is an illusion.

[anagogy]

My understanding is that "karma" or cause and effect structures much of what happens - to the extent that one is aligned with love or the Christ consciousness one is free from karma and able to consciously choose one's path.

I agree with this.

In fact, Ra has stated that those beings that have not yet activated their heart centers incarnate automatically, or unconsciously, with their higher selves choosing the circumstances of the incarnation.

My understanding of karma is that it is simply a measure of distortion. The more separating actions you engage in in life, the more distorted you become. This necessitates those incarnate experiences which will "undo" or "untie" the knot of acquired distorted bias.