Did you know that most entrepreneurs experience extreme financial pressure within the first two years of business?

Just because you're in business for yourself, doesn't mean you need to do business by yourself. I'm here to help you every step of the way throughout your self-employment journey!


You're not alone!

You Can Create Financial Security for Your Business

Learn the formula to building sustainable income:

  • Develop a pricing strategy that makes you competitive and valuable to your clients
  • Understand your business finances so you can afford to pay yourself each month and actually turn a profit 
  • Create financial security and create a safety net so you don't have to stress about how you're going to pay your monthly bills
  • Learn the optimal amount to investm back into your business so you can continue to grow and scale
  • Diversify your income, so you're keeping up-to-date with your industry's consistently evolving market 
  • Create automation in your business finances so you can create more time freedom

Yes, It Really Is Possible!

In the Entrepreneur Accelerator, you’ll learn exactly what you need to know about being self-employed without all of the cookie-cutter strategies. I know first-hand that entrepreneurs are time-poor so this program gives you fast actions and results!


How it works…

This program is designed to get what you need, and fast.
  • The program contains 3 modules, each consisting of a pre-recorded video & exercise, followed by a 90min, 1-on-1 coaching session with Sandra

  • You will receive access to an online portal that has 3 modules with 3 videos and accompanying exercises. 

  • You must complete the video module and exercise before you have your 1-on-1 coaching session, so you can review the exercise, ask questions and get feedback.

  • You will then have access to all of the training material and workbooks to help keep you on track for the future.

  • After the 3-Module program finishes, if you require additional support and training, you can work with Sandra on an hourly basis. 

What's Included in the

Each Module consists of 1 x Video & Self-Paced Exercise, followed by a 90-min Strategy Call to review the contents of the exercise, answer questions and be personally coached by Sandra.

What's Your Magic Number?

In this module, you will learn how to create a pricing strategy for your business:

  • You will receive a video that explains how to create a pricing strategy that values your time, expertise and experience
  • You will receive a calculator that has inputs for you to calculate your income target for the year and how many sales you require to reach that target
  • You will have a 1-on-1 meeting with Sandra to review your Pricing Strategy and make necessary changes to achieve your desired business growth 

You’ll finish this module with a complete picture of how many clients/products sales you require in order to hit your income target for the year. 


Turn Your Pain into Profit

We all know that running a business is no easy feat. In this module you will learn:

  • How to implement your new pricing strategy and break it down by 12 months in a calendar year
  • How to calculate your costs of doing business, and offset it by your income
  • Tax-effective strategies to turn a profit, maximize your time and effort and re-invest back into your business
  • You will have a 1-on-1 meeting with Sandra to review your numbers, find opportunities for growth and ways to reduce expenses and ask questions about your existing processes and how to make them more efficient.

You’ll finish this module with a clear break-down of what your month-by-month calendar looks like from an income & expenses perspective and a complete roadmap of your business year, so that you know exactly what you need to do to hit your income target. 


How to Create a Growth Plan that Sticks

The secret to building wealth is to stop trading your time for money. In this lesson, you’ll learn:

  • How to diversify your income and create passive income streams 
  • How to spend less time in your business and more time on your business
  • How to grow your income, without trading more time for money, so you can create ultimate time freedom and flexibility

You’ll finish this module with a clear idea of the next stages of your business growth, how to start making your money (your profit!) work for you, and how to spend more time on the big picture ideas, instead of on the day-to-day management. 

This Program Is For You If...


You are self-employed, run a small business, have fluctuating income or are a contractor


You aren’t sure how to grow past your existing level of income and require support to grow and scale 


You have earned more than $25,000 in your business and are ready to significantly increase your income


You want to create and follow a plan that keeps you accountable so you know exactly what to do each month


You need business support and don't want a cookie-cutter program. You want customized support that is tailored to your business.



Hi, I'm 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.”

- Jessica, Vancouver

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.

- Jennifer, 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!

- Rhonda, Dallas

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, Dallas


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.

- Mariam, Vancouver

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, Melbourne



Payment Plan


6 monthly payments

  • 3 x 90 Minute Calls with Sandra 
  • 3 Training Modules 
  • BONUS: Money Mastery Virtual Course ($497 Value)

Pay In Full


Over $190 in savings!

  • 3 x 90 Minute Calls with Sandra 
  • 3 Training Modules 
  • BONUS: Money Mastery Virtual Course ($497 Value)

Frequently Asked Questions