Come sit with me.

Let’s figure out your next money move.

PRIVATE MONEY INTENSIVE WITH SANDY FERNANDEZ

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?

Ya. That one.

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.

Come sit with me. 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

The Reviews From Real People

"“I hired Sandy to help me with my finances and it was truly one of the best investments in myself that I have ever made. Sandy is extremely knowledgeable when it comes to money matters. Not only did she help me devise a solid plan that I felt comfortable with but she empowered me. I highly recommend Sandy of Karmic Currency to anyone who wants to make changes and develop a better relationship with their money. She is a powerhouse to have on your team!"

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