Preheat oven to 375 degrees F (190 C). Lightly grease muffin tin with butter or oil. (Option: use paper liners, but the muffins may stick to them).
In a large bowl mix together the egg, oil, mashed banana, pumpkin puree, brown sugar, milk and vanilla extract.
In a second bowl mix together the oats, almond meal, tapioca starch, sweet/glutinous rice flour, white rice flour, salt, baking soda, and spices.
Slowly mix the dry ingredients into the wet, and stir until just combined.
Pour the batter evenly into 10 muffin tins, filling to the top. Option to top with pumpkin seeds or walnuts; gently press seeds/nuts into the batter. Bake for approximately 30-35 minutes until the top is browned and firm.
Let the muffins cool in the pan for at least 5 minutes and then remove. They will stay fresh in a container at room temperature for a few days, or in the freezer for a few months.