Private Client Coaching by Sandra Joe

A deep dive into your current circumstances, discuss and understand your relationship with money and how to adapt your behaviours into making all of your goals a reality.

Sandra’s Credentials:

Does this sound like you?

You’re starting to earn good money in your career,  a dual income household, juggling family life and a professional life but there seems to be nothing left at the end of the month for savings.

You (and your partner) have tried to save more each month, you’ve tried learning about investing, tax strategies and how to grow your income but frankly, the abundance of information on the internet is so overwhelming that you don’t know what’s relevant to you. You realize that the procrastination is keeping you from creating the life of your dreams.

You’re finally sick of your own excuses and ready to make your finances a priority and learn about how you can maximize your savings, make your money start to work for you, and reduce your taxes so that you can reach your long-term goals faster. 

If this sounds like you, then you’re in the right place. 


Private Client Coaching is completely customized to you. 

This is a 10-session program is designed so you can learn how to:

  • Address your relationship with money and understand why you make the financial decisions that you do
  • Learn new ways to unwind old money habits, and how to create new ones
  • Manage your month-to-month finances in an easy plan that focuses on achieving your goals
  • Learn about different ways to make your money work for you
  • Identify and implement different investment strategies
  • Increase your income, whilst decreasing your debts and tax liability

With a simple shift in your mindset and some smart money management tools, you could start living the life of your dreams both now and in the future.

Who is YFF for?

Whether you’re in a partnership, marriage, or you’re an ambitious individual, YFF is customized to your specific needs.

  • You’re curious about investing but don’t know where to start.

  • You may have a full-time job, but are also building a business on the side that you want to grow and scale
  • You are juggling family life & professional life and want to create more time freedom

  • You want to learn about property investment
  • You know there are more tax strategies that you could be using, but don’t know how

  • You are sick of winging it every month with no plan for your spending or saving

  • You want to learn about retirement planning and how to start early so you can take advantage of compounding returns

  • You’re nervous to start something new, and potentially waste or lose money 


What We Cover in

  • We discuss the psychology of money and how our Money Stories from childhood affect our mentality as an adult
  • We cover a comprehensive vision and goals exercise which is unique and time-based, giving you a tangible timeline to follow.
  • We review your month earning & spending patterns, to see where you are leaking cash and how to tighten up so you can direct your savings more intentionally
  • We determine where your knowledge gaps are in terms of investing, planning for retirement, taxes and different investment vehicles, and use an education-based training method to ensure you can make informed financial decisions for the rest of your life.
  • We discuss different strategies to achieve your goals, such as property investment, diversified investing, tax minimization and income splitting.
  • We meet with any other professionals that are required for additional expertise (such as an accountant or lawyer) to ensure your overall financial picture has your best interests in mind. 

If you’re ready let’s talk.



Meet Sandra Joe

After formerly working as a Certified Financial Planner® CFP, I realized that there was a need for the younger generation to learn money management and financial literacy in order to build wealth over time. I like to call these the years where you are “in the trenches”. I love to work with ambitious people who are juggling careers, young families, new businesses, buying their first property and looking at ways to maximize their income, get out of debt faster and create more time freedom. But if there’s one goal that ALL of my clients have used, when asked about what they want to achieve, it’s Financial Security. 

I don’t say that because it’s trending or the current buzzwords… but because that was me!  

Thus, Sandra Joe Financial Coaching was born! I have created programs to meet everyone’s budget so there’s no excuses for not getting started.

Investing in yourself today will improve your knowledge for the rest of your life. It’s called the Compounding Effect, and I’m here to help.

Client Testimonials

Her course exceeded my expectations with sessions being very tailored to the questions I had about developing my business as a physiotherapist.

I highly recommend this course to anyone who is either intimidated with finances, want to gain a better understanding and feel more confident with their finances, and making a plan to achieve their personal and financial goals.



I’m so grateful to have met Sandra. Not only is she a phenomenal financial coach, but she has really helped me make the connection between my limiting beliefs and money stories. 

She has great energy, is easy to talk to, and is very comforting; these qualities are vital, as talking about money has been overwhelming and difficult for me, especially since leaving corporate and becoming a business owner. Having not only her practical knowledge coupled with her supportive coaching has been wonderful.


New York

I knew I needed to invest in myself and my business to get me where I want to go. I now have a clear plan on how many clients I need to have a monthly basis to make the salary I deserve. I also have learned valuable lessons around where my money is going every month and how much I need to have that "cushion". I highly recommend Sandra and have already referred people to her!



My sister referred me to Sandra and I’m so thankful she did. I was ICU RN working big money COVID contracts. I was recently engaged and started a new trucking business. Sandra has been so helpful in showing me how to financially manage my trucking business and transition it to a family business now that I’m married. She’s so knowledgeable in helping us forecast and plan for business expenses and profits. My only regret is that I didn’t utilize her services earlier. I would have been further along in my financial journey. My husband and I have different money values/spending habits so she’s been super helpful in getting us on the same page. Let me tell you….JUST START WHERE YOU ARE AND SHE WILL GIVE YOU THE DIRECTION YOU NEED! Thanks so much, Sandra!
Arynia & Tony


Where do I start?! Our sessions got personal quick and I really like that because I don't care for fluff. I came in expecting money, mindself and business talk, but you surprised me in a really pleasant way with activities that helped me dive into more of the meaty heart and relational matters of money. I appreciate your transparency, expertise and genuine care to see me grow and succeed in my business and life! We have a few more sessions to go and I look forward to see what we uncover together!

I like the structure in which we meet and the different activities you've provided. The homework aspect of our sessions helps me a lot in diving deeper into processing what I want in my business and life altogether. You're an attentive listener and can feel that you genuinely care about seeing me succeed, and I take comfort in our shared similarities. Also, hearing about your business and the process in which you got to where you are and continue to grow and build is inspiring and motivates me.



As a couple who have lived in multiple different countries (Australia, Hong Kong & Canada) we wanted to learn about how to better manage, grow and invest our money whilst understanding the tax implications. Prior to enrolling in the coaching, we had some basic knowledge but we wanted to enhance our financial literacy. Sandra is such a relatable person and made us feel so comfortable diving into a world that was very unknown to us. Sandra also gave us a framework with which to visualise our goals, and this has already helped us in making decisions in how we plan our future holidays and what we can and cannot afford. We are now able to put the skills and knowledge that Sandra has passed onto us into practice when we start our family. To then also pass down this new-found knowledge to our children so that they begin their money journey in a better place than we did.
Maddy & Scott