Math-Driven Clarity for Life’s Decisions
For solo breadwinner women and for women navigating divorce.
Houston-based. Advice-only.
Divorce settlement analysis, post-divorce rebuild guidance, and single-income financial planning.
CDFA® | Advice-Only | Scenario Modeling
MY STORY
The Advisor I Wish I’d Had
I spent years as an engineer in planning roles in the energy industry, building models for multimillion-dollar decisions. My most meaningful financial lessons came during and after my own divorce and building my financial stability after leaving my corporate career.
I founded SpendItRight to give women the advisor I wish I’d had: one who combines analytical rigor with the lived experience of rebuilding. Advice-only and focused entirely on you.
REAL IMPACT
The Math Showed She Could Do Both.
A mom came to me torn between maxing out her 401(k) and funding her daughter's 529. She felt like she had to choose one or the other. We modeled both scenarios across a 10-year horizon and found a contribution split that fully funded college on track while keeping her retirement trajectory intact. She stopped feeling guilty — because the math showed she could do both.
Who I Navigate With
You don’t need a certain net worth to deserve expert advice. You just need a desire for clarity.
The Breadwinner Mom
You’re the one paying the mortgage, the tuition, and funding retirement - all on one income. I help you build a cash-flow plan, set financial priorities, and stop second-guessing every major money decision.
Forward-Thinking Mom
You’re thinking ahead - college, retirement, real estate, the next chapter. I help you model the trade-offs so your money goes where it matters most.
Women Facing Divorce
You’re making permanent financial decisions under pressure. I model the scenarios - settlement options, retirement impact, cash flow - so you sign with clarity, not regret.
“Sandhya has a genuine passion for empowering women to understand and take control of their finances. I’ve found her to be diligent and sincere — and someone who has navigated it herself.”
“I’m glad to have worked with you. I didn’t feel so clueless walking into mediation.”
“I cannot describe the relief I feel at being able to hand all of this over to you and have you come up with a document like this.”
How I Work
Engineering Precision - I model your scenarios with data, not guesswork.
CDFA® Expertise - Specialized analysis turns divorce settlements into confident decisions.
Lived Experience - I understand the emotional weight behind the numbers.
Fiduciary Commitment - Paid by you only. No commissions, no conflicts.
No Judgment - We focus on where you're going, not where you've been.