Walk in Purpose, Live in Freedom, and Build Legacy
Helping Individuals and Families Steward Their Finances Well, Live Fully, and Build a Legacy that Lasts.
John 10:10 — “I came that they may have life, and have it abundantly.”
From Brokenness to Breakthrough — Walking in God’s Freedom and Purpose.
ABOUT
At Raising the Marks, we believe financial freedom is more than numbers or quick changes. It is purpose, it is peace, and it is legacy. After surviving a life-altering accident and paying off $72,698 in six months, then learning to rebuild again through true stewardship rather than relying on hustle, I now help individuals, couples and families strengthen their finances with wisdom, strategy, and grace.
Through stewardship and faith-filled guidance, I teach people how to align their money with their mission in a way that works for real life, whether or not you share my faith.
Today, my husband and I, along with our son are committed to walking in purpose and building legacy intentionally, and I want to help you do the same.
Whether you're starting fresh, rebuilding, or ready to grow, you do not have to do it alone. Your journey to freedom and legacy begins here.
-
To equip individuals and families with biblical-based principles, financial skills, and practical strategies that empower them to walk in purpose, live in freedom, and build lasting legacy through faith-filled guidance, stewardship, and grace.
-
To see generations living in true freedom spiritually, financially, and emotionally. Building legacies of faith, wisdom, and wealth that transform families and communities.
-
Faith & Purpose: True freedom begins with knowing who you are and why you’re here. We root every financial decision in calling, identity, and God’s guidance.
Stewardship Over Striving: We choose intentionality, gratitude, and discipline over hustle. Stewardship shapes the way we manage resources, relationships, and responsibilities.
Legacy-Minded Living: We build with tomorrow in mind, creating patterns that influence the future of our families and communities.
Grace-Led Growth: Transformation does not require perfection. We honor the journey with compassion, patience, and steady progress.
Empowerment Through Education: We equip individuals and families with practical strategies and biblical-based principles that bring clarity and confidence.
Community & Connection: Freedom grows in supportive environments. We cultivate spaces for accountability, encouragement, and shared learning.
Integrity & Transparency: We lead with honesty, humility, and the highest level of care for every story entrusted to us.
Raising the Marks is all about raising the standard of how we steward finances, identity and purpose back to God’s original design for our life.
Faith-Fueled Finances, Practical Steps.
WORK WITH ME
1:1 Coaching
Personal Coaching, God’s Way
For Individuals or Couples: Personalized plan with custom budgets, debt payoff plans, saving and investing rhythms, and behavior shifts rooted in purpose.
Workshops
Equip Your Organization
For Professional Development & Training: Signature topics: The Stewardship Shift, Budgeting Without Burnout, and Faith, Family & Finances.
Group Sessions
Freedom in Community
For Individuals or Families Seeking Group Support: Weekly accountability, practical teaching, and shared encouragement — build consistent habits with others.
“Freedom isn’t found in striving — it’s found in stewardship.”
— Khadija Fernandez
Faith in Action. Freedom in Progress.
Faith in Action. Freedom in Progress.
STORIES
Before working with Khadija, I can honestly say I lacked financial literacy. Budgeting and expense tracking gave me so much anxiety that I avoided them altogether. However, after our initial consultation, I walked away with the peace of God and a renewed commitment to my financial journey.
We’ve now been working together for over six months, and in that time, we’ve tackled $17,000 of debt! My favorite part about our coaching sessions is not just the strategic planning, but how we usher in the presence of God through prayer and encouragement. I couldn’t have asked for a better financial coach!
— Shantel “Joy” Morris
I am profoundly grateful that I have the opportunity to work with Khadija. This financial journey takes grace, faith, and prayers and she has exemplified all of these for me as her client. I can only attest to the fact that she is very knowledgeable and patient with me, which exceeds my expectations of her. I started as a person with no financial discipline, or respect for my income.
Now I’m am building the necessary muscles to be successful, aware and confident about where my money should go. I am no longer overwhelmed about my process, I'm just glad that she is a part of my growth in financial stewardship.
— Adiesa Hall
Finances have never been my strong suit, but Khadija created a plan I could easily understand and helped me cut out unnecessary spending. She is a person of integrity and her approach has been both practical and motivating. She even encouraged me to take on new clients in my field that I had been hesitant to accept before.
In just a few weeks of working with her, my debt has started to go down, and my savings are going up. I highly recommend Khadija because she has been an incredible help to me.
— Michael Wight
Download these free guides for practical steps, budgeting plans, and inspiration to align your money with your purpose.
5 Faith-Based Steps to Financial Freedom: Five practical steps toward peace, clarity, and legacy.
Budgeting Without Burnout: Simple systems that make space for joy while keeping you on track.
What the Bible Teaches About Stewardship: Biblical foundations + practical reflections for real life.
…and more!
Faith. Finances. Freedom.
Tools
Monthly Newsletter
Join the email list for encouragement, upcoming workshops and events, new resources, and easy-to-understand updates on what’s happening in the economy and how it impacts you.
