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Let’s figure out your next money move.

 

   Private Money Intensive   
   With Sandy Fernandez   

SECURE YOUR SPOT


You know that money conversation you keep having with yourself?


The one that starts with “I need to figure this out” and somehow ends with you doing everything except figuring it out?

You’ve built a career, raised your kids (or everybody else’s), and somehow kept everything moving. And now you’re looking at your life thinking...

“Okay, so what do I want to do next?”


You’d love to travel more. Maybe write the book, start something of your own, or take a little time off. But before you can even enjoy thinking about it, you’re back to wondering what you can afford.

And gurlll, that is not the energy we want for this chapter. You’ve earned some freedom and some stability. You’ve earned the right to actually enjoy what you built.

So what’s the problem?

There’s money in the bank, but there are balances on the credit cards too. Do you pay them off? Keep the savings? And how much can you actually spend on yourself without feeling like you’re making a mistake?

You’ve made good money. You’ve managed a whole lot. You’re okay for the day to day. But if something happened tomorrow, is there really a backup? And if someone asked you, “Are you financially okay?” you’d probably say… “I think so?”

You keep meaning to sit down and sort it out. But honestly, you’re tired of money feeling like it’s running you instead of the other way around.

 

You don’t need someone to manage your money.
You need someone who understands money to help you think.


Maybe life changed this year. The job. The relationship. The business you keep thinking about starting. Maybe someone else always handled the money, now it’s all yours and you’re trying to make a big decision with numbers you haven’t really sat down with yet.


I’m in this one with you.

I’ll be honest... I’ve been sitting with these same questions since I left banking this year.

I spent nearly three decades on the other side of the banker’s desk. I understand the numbers. And still, when my own life shifted, those numbers suddenly had questions attached to them.

How long can I take off? What do I want to build? What am I comfortable using, and what do I want to keep?

So if you’re asking those questions too, it doesn’t mean you’re bad with money, and it doesn’t mean you’re behind. It means your life is changing.

(Welcome. Pour yourself something.)

That’s the conversation I want to have with you.
That’s what I’m here for.


  Let’s talk heart to heart.

I’m opening 11 private Money Intensives through the end of the year, all on Zoom, so you can join from your kitchen table, your office or your favorite chair.

Three hours together, looking at your relationship with money, the situation you’re actually in, and what you want to do next.

We’ll make room for the stuff you don’t say out loud because you think it makes you a horrible person to even think it...
The guilt you carry about spending on yourself.
The money you keep giving to your family because saying no feels worse.
That fun business idea you’ve been sitting on because you’re scared to find out whether you can afford it.

Yep. We’ll talk about that too.
And yes, we’re going to look at the numbers. Bring the question you’ve been circling. We’ll work through it together.


Your Karmic Currency Money Intensive includes

A private intake questionnaire

Before we meet, so I walk in already knowing what’s on your mind

Hour One

A money-focused reading of all seven chakras to understand where your blockages are

Hours Two & Three

Your numbers, your decision and your next move, with nearly 30 years of banking behind every question I ask

Your personalized Karmic Currency Roadmap

Sent to you within 48 hours, with your next three moves

A complimentary 45-minute follow-up

In January 2027 to make sure you’re on track for the new year

You don’t have to have it all figured out before you come.
That’s my job. Come as you are and I’ll meet you there.

 

   Only 11 seats through December   


October: 2   |   November: 5   |   December: 4


Private on Zoom.
Pick the day and time that works for you.
Saturdays available.

Your Intensive

$555

OR Pay in full and save 25%

$416.25

Or reserve with a deposit:

$222 holds your seat.
The remaining $333 is due the day of your Intensive.
Total: $555.

Deposits are non-refundable.
If you need to cancel, nothing further is owed.
No balance, no penalty.

RESERVE MY SEAT WITH SANDY

Who you’ll be sitting with 

I’m Sandy Fernandez, and I’ve lived on both sides of the desk.

I spent nearly 30 years in banking, starting in a branch and working my way into executive leadership: business lending, portfolio management, retail banking, operations, compliance. I’ve sat in the rooms where the bank decides what your financial life looks like on paper. I know what they look for. And honestly? What they don’t tell you.

I’m also clairvoyant, a Reiki Master, a yoga teacher, a Theta practitioner and a certified life coach. In 2017 I walked away from a Vice President role to start Karmic Currency, because I kept watching smart, capable women make money decisions from fear, guilt or exhaustion instead of clarity. My book on this work hit #1 in Kindle downloads in 2018.

So yes, I’m going to read your energy. And then I’m going to look at your numbers like a banker. Both of those are me.

You can bring the

You don’t have to organize your entire financial life before you book. Estimates are fine. “I have no idea” is fine. It gives us a place to begin.


This isn’t a class on what a Roth IRA is. You already know your stuff. This is for you if you’re smart about money and still have a decision you keep putting off. If something changed this year. If you’re tired of carrying the same money questions around by yourself.

And there’s no “too late” here. Wherever you are with money, at whatever age, that’s exactly where we start.

You just have to be willing to look at your situation honestly, even if part of you would rather reorganize the kitchen first. I get it. Believe me.

A few things you might be wondering 

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