About Sandy

Sandy Fernandez-Masciatti, is a Mother, Yoga Teacher, Author, Financial Advisor, and also the President and Founder of Karmic Currency. Since 1996, Sandy has worked in the Financial Services Industry. Sandy kick started a future in Finances that would not only bring success to herself, but also to others that seek her services. Sandy worked for several financial institutions, where she crafted and honed her trade.  Within five short years in Banking Sandy rose to management, as Assistant Vice President where she was ranked top sales performer for 4 years consecutive, at which time she became a Licensed Life Insurance & Annuity Agent.

Sandy’s leadership, communication and strong sales talents proved she was a force to be reckoned with. In fact Sandy was often reprimanded for being a “maverick”. Sandy often challenged the corporate status quo, and she never took no for an answer.

12311318_10207819411462608_7390633708655486808_nSoon after Sandy was hired as Vice President of SunTrust Bank’s North Miami Beach office, there Sandy navigated her office through turbulent economic times known as the Real Estate Crisis and Housing Bubble. Sandy set herself apart by always giving her clients superior service, and respect. Sandy maintained her success during those troubled times by leveraging her love of philanthropic activities, and joining charitable organizations. In 2010, Sandy joined Regions Bank, and held the same position, where she was consistently ranked top 10% of the company and closed over 5.MM in consumer loans in 2015. In 2016 Sandy was recruited and held her position for a brief time at Popular Community Bank, it was during her time there that Sandy realized it was time to pursue her own passions.


12_30540321173_oNow in 2017, Sandy began offering her services through her own Karmic Currency. As the
company’s President and Founder, Sandy combines her many years of financial experience, with her talent and love for Yoga and Spirituality. These soul renewing practices have been a part of her life for over 6 years and have played a major role in helping her get through some of life’s most difficult hurdles. Yoga has allowed Sandy to grow stronger physically, and most importantly, mentally. After completing her required training, Sandy became a full-fledged Yoga Teacher, and Reiki Master.

Today, Sandy uniquely incorporates spiritual principals with financial services to guide business owners and entrepreneurs to an abundantly, successful personal and professional life, free of financial burdens. As Zig Ziglar once said, “Life is an echo. What you send out, comes back. What you sow, you reap. What you give, you get. What you see in others, exists in you.” Sandy lives happily by this quote, and with her help, so can you!