Smart Cookies

What Smart Cookies does

Smart Cookies (legal entity Smart Cookies Money Mentoring Inc, governed by New York law) is a privately held, founder-owned online education and community business based in Denver, Colorado. Founded by Sandra Grahame and four co-friends as a 'money club' circa 2005–2006, the company built early credibility through national media appearances (Oprah, The Today Show, CNN, Good Morning America, The New York Times), two Random House bestselling books, and a Smart Cookies TV show. Since 2017 Sandra Grahame has been sole owner; the company is bootstrapped with no disclosed external investors and operates with 1–10 employees.

The product portfolio spans a tiered funnel. Free entry points include 'Day Well Lived' and 'The Spending Edit' downloadable guides used as lead magnets. Low-ticket digital and physical products — the $17 Weekly Intentional Planner, the Vision Board Kit 2.0 / The Year That Dreams Built Kit, and on-demand vision creation workshops — feed higher-priced core programs. The flagship offerings are the year-long 'Your Richest Year' course and the 6-month 'The Year That Dreams Built' mastermind ($1,997 pay-in-full or $185/month x 12), supplemented by 'Profit By Design' for solopreneurs. Distribution is direct-to-consumer via a Shopify storefront (shop.smartcookies.com), with books sold through Amazon and retail; speaking engagements and partnerships provide an additional revenue stream. The primary customer segment is ambitious women pursuing financial goals, including a sub-segment of small-business owners and solopreneurs; the audience spans North America and a claimed worldwide community of more than 50,000 women.

The technology underpinning is largely commodity: standard e-commerce, email marketing, and course delivery platforms with no proprietary platform, mobile app, API, or disclosed AI/ML capability. The competitive advantage is derived primarily from Sandra Grahame's personal brand and a content-and-community methodology (vision boarding combined with debt payoff, savings, and business profit frameworks) rather than technology defensibility.

Name

Smart Cookies

Legal name

Smart Cookies Money Mentoring Inc

Website

https://smartcookies.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

1–10 employees

Short description

Smart Cookies is a Denver-based, bootstrapped online education platform founded by Sandra Grahame that sells courses, masterminds, and vision-creation products to ambitious women worldwide seeking financial and goal-achievement outcomes.

Ownership category

akta.pro rank

Product category

Personal Finance Education

NAICS

Gift, Novelty, and Souvenir Retailers (45942)

akta.pro primary industry

Spiritual, Metaphysical & Inspirational Gifts Retail (CRALAJAJ)

Keywords

• Financial education
• Vision board workshops
• Personal finance courses
• Women money coaching
• Goal setting programs

Headquarters

HQ city

Denver

HQ country

United States

HQ region

North America

Markets served

GTM type

B2C

Offering type

Digital Commerce or Content

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Supply Chain, Others

Revenue model

1. Digital Products: Sale of digital planning and vision board products through the e-commerce store including Weekly Intentional Planner ($17) and Vision Board Kits. One-time purchase model.
2. Online Courses and Mastermind Programs: Year-long program 'Your Richest Year' and 6-month mastermind 'The Year That Dreams Built' with live workshops, coaching calls, and community access. Pay-in-full ($1,997) or 12-month payment plan ($185/month).
3. Vision Creation Workshop: Live Vision Creation Workshop sold for $197. On-demand vision workshop also available for purchase.
4. Books: Two published books with Random House: 'The Smart Cookies' Guide To Making More Dough And Getting Out Of Debt' and 'The Smart Cookies' Guide To Couples And Money'. Sold through Amazon and bookstores.
5. Speaking and Partnerships: Revenue from keynote speaking engagements, brand spokesperson work, and virtual/in-person event appearances.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels8 records

Core offering

Smart Cookies sells an integrated suite of digital products, vision board kits, live and on-demand workshops, year-long courses, and 6-month mastermind programs designed to help ambitious women clarify life and financial goals, manage money, and design vision-driven lives. Offerings are delivered online through a Shopify storefront and complemented by published books and founder-led speaking engagements. The flagship paid programs are Your Richest Year (year-long) and The Year That Dreams Built (6-month mastermind), supported by entry-level digital products such as the Weekly Intentional Planner ($17) and the LIVE Vision Creation Workshop ($197).

Product overview

Smart Cookies is an online education platform and community for ambitious women, offering a suite of premium products and programs designed to help users envision and create their richest lives. The core offerings include digital planning tools (Weekly Intentional Planner), vision board kits (Vision Board Kit 2.0 / The Year That Dreams Built Kit), workshops (LIVE Vision Creation Workshop, Vision Creation On-Demand Workshop), and courses (Your Richest Year, Profit By Design, The Year That Dreams Built Mastermind). The company also provides free resources like The Spending Edit and Day Well Lived guide, plus published books. The ecosystem is designed to work together—vision boards and workshops feed into the mastermind programs, which then support the courses focused on financial and business goals.

Differentiator

Problem solved

Functional benefit

Products and services

• Weekly Intentional Planner A digital planning tool designed to help women organize and execute their weekly intentions and goals, sold for $17.
• Vision Board Kit 2.0 / The Year That Dreams Built Kit A comprehensive vision board kit that includes physical materials mailed to customers along with a digital workbook, designed to help users create and manifest their life vision.
• LIVE Vision Creation Workshop An interactive live workshop where participants engage in vision creation exercises guided by Sandra Grahame, priced at $197.
• Vision Creation On-Demand Workshop A self-paced video workshop where users learn Sandra's proprietary vision creation method to craft their unique vision for life and business.
• Your Richest Year A year-long program and step-by-step system designed to help ambitious women achieve their financial goals with support and proven methodology.
• The Year That Dreams Built Mastermind A 6-month intimate mastermind and coaching program for ambitious business owners, featuring live workshops, guest mentors, and group coaching to help pursue business clarity and goals. Includes a vision board kit shipped to the door.
• Profit By Design A course for purpose-driven business owners and solopreneurs teaching simple financial systems to create a business that supports their ideal lifestyle.
• The Profit Tracker A digital financial tracking template for business owners.
• Smart Spending Cookie Plan A digital spending plan template.
• The Smart Cookies' Guide to Making More Dough And Getting Out Of Debt A bestselling book co-authored by the Smart Cookies founders, published by Random House, offering financial advice for women.
• The Smart Cookies' Guide To Couples And Money A book focused on financial management and communication for couples, published by Random House.

Quantifiable outcome

• The original five Smart Cookie founders paid off more than $50,000 in debt and increased their earnings by more than $100,000 within one year
• +5 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators5 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Marie Forleo (MarieTV / B-School): Direct peer - sells high-ticket business and life coaching programs with a heavy emphasis on personal brand, vision creation, and dream-driven entrepreneurship, serving the same ambitious women target customer with similar premium pricing tiers.
• Patrice Washington (Redefining Wealth): Direct peer - financial education platform serving women with books, podcasts, courses, and coaching; overlapping customer segment and similar holistic wealth/lifestyle messaging approach.
• Tiffany Aliche (The Budgetnista / The Money Coach): Direct peer - financial educator focused specifically on women, selling courses, books, and live programs with a community-led, content-driven funnel that closely mirrors Smart Cookies' women-ambitious segment.
• Tonya Rapley (My Fab Finance): Direct peer - financial educator and author building courses, books, and community around financial wellness for women, addressing similar debt-payoff and money-management pain points as Smart Cookies.
• Brooke Castillo (The Life Coach School): Direct peer - premium life coaching company offering self-paced and live courses with a strong community component, founder-led brand, and similar high-ticket pricing model for personal development content.
• Ramit Sethi (I Will Teach You To Be Rich): Direct peer - sells premium personal finance courses, books, and coaching programs to a broad U.S. audience through digital products and a personal-brand-led ecosystem, with the same content + community + mastermind GTM motion as Smart Cookies.
• Jen Sincero (You Are a Badass): Direct peer - author and coach selling personal development books, courses, and events to women with a content-led and event-driven GTM that mirrors Smart Cookies' vision-creation workshops and Random House titles.
• Chalene Johnson (SmartLife): Direct peer - women's empowerment and lifestyle/life-coaching programs with courses, masterminds, books, and a community-led funnel aimed at ambitious women seeking personal and financial transformation.

Emerging players

• Hal Elrod (The Miracle Morning): Emerging player - personal development author with books, community programs, and speaking; comparable vision/goal-setting methodology and bootstrapped, founder-led e-commerce distribution model.

Broad incumbents

• BiggerPockets: Broader incumbent - established personal finance education platform with courses, books, podcasts, and a large member community; while not women-specific, it operates in the same consumer financial education category with overlapping content/community mechanics.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/smartcookiesmoney
• Instagraminstagram.com/sandra.grahame
• LinkedInlinkedin.com/company/smart-cookies-money-mentoring-inc.

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Smart Cookies