At Karmic Currency we believe that money is not just a tool but an energy. Every time your money is exchanged, so is a current of emotion. Whether your transactions are large or small, your thoughts and emotions are poured into them. From the excitement in the purchase of your first home, to the payment at the mechanic for a flat tire. Every currency transfer has a current of energy behind it, and when you begin to look at how your emotions are tied into your finances you can begin to make impactful and meaningful changes in your relationship with your money. Connect with Sandy one-on-one by scheduling online.

Karmic Currency is a holistic approach to Business and Finance. We offer a pure and simple formula to get your business on track. We offer business and financial consulting to both new and existing business. Using proven business tactics to help business owners succeed in their industry. We combined these fundamental tools with a new age approach using Yogic and Energetic principles to help you find your passion and balance in your personal and business life.

If you feel stuck in your business, or simply don’t know where to begin at all; we can help! Let Karmic Currency remove your financial inhibitions, so you can begin to flow freely in wealth and prosperity. Connect with Sandy one-on-one by scheduling online.

We Provide Consultations on all of the following topics:

    • Mortgage
    • Entrepreneur Support and direction
    • Smart Lending practices and tactics
    • Debt Restructuring and Consolidation
    • Yogic Principals
    • Reiki 
    • Chakra Balancing
    • The Business of Yoga

Connect with Sandy one-on-one by scheduling online.



  • You want a clear program with a start and an end
  • You want measurable change in 30 days
  • You want flexibility for the support online or in-person
  • You want an expert committed to your healing
  • You are looking for “woo & analytics”
  • You want someone who can make this process fun for you
  • You tired of spending your money without a meaningful return
  • You are ready to finally be honest about your money triggers
  • You are looking for a safe space to improve… and not be judged
  • Connect with Sandy one-on-one by scheduling online.


  • You want to identify your money triggers
  • You want deep money & soul healing
  • You want to use proven tools to curve negative spending habits
  • You’re ready to heal and repair your credit
  • You need to heal your emotional spending
  • You are ready to expand your knowledge around chakras
  • You are ready to manifest a lifestyle that aligns with your personal energy
  • You are ready to eliminate debt and stop living paycheck to paycheck
  • You’ve tried traditional “money fixes” and it didn’t work…
  • Connect with Sandy one-on-one by scheduling online.
Sandy Fernandez, President & Founder


One-On-One Program

You can be located in any part of the world as the sessions are conducted online. You only need an internet connection and that is it!

4-Week Program with Long-Term Results

After you register, you will get a welcome email with a questionnaire and receive a customized karmic currency plan delivered weekly.


You will select 8 private one-on-one calls with Sandy to review your plan.

Connect with Sandy one-on-one by scheduling online.


  • Stop living paycheck to paycheck
  • Stop selling yourself short
  • Stop self-medicating by emotional spending
  • Stop avoiding your debt
  • Start practicing gratitude
  • Start using tools to get to the abundance
  • Start healing your relationship with money
  • Start aligning your energy to your true beliefs
  • Start honoring yourself!


  1. Access to 20+ years of Sandy’s professional finance expertise in finance and banking
  2. Identify your personal money story so that you can rewrite it
  3. This program is built to help you understand how your chakra energy is impacting your finances
  4. Uncover which of your personal chakras has been driving your spending habits
  5. During your 8 calls in this program, Sandy with using her intuitive gifts alongside her professional knowledge to bring you further clarity.

Connect with Sandy one-on-one by scheduling online

NMLS ID: 677026

Equal Opportunity Lender

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