About Sandy

Sandy Fernandez-Masciatti, is a Mother, Reiki Master, Clairvoyant, Author, Financial Advisor, and now 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.

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


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 gifted talents and love for Spirituality, yoga, health and wellness. These soul renewing practices have been a part of her life for over 13 years and have played a major role in helping her get through some of life’s most difficult hurdles.

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!



  • You want a clear program with a start and an end
  • You want measurable change in 30 days
  • You want flexible support via online, phone or in-person
  • You want an expert committed to your healing
  • You are looking for someone who understands your personal “woo & analytics”
  • You want someone who can make this process fun for you
  • You are 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 speak openly about money… and not be judged

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


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 have flexibility to select 8 private one-on-one calls with Sandy to review your plan, discuss your personal challenges and review results.

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