01
Private
1-to-1 coaching
A clear financial picture, your priorities in order, and practical next steps in writing.
- Built around your questions
- One-hour private coaching session
- No product recommendations
Financial literacy · Ireland
Financial clarity for women when life or work changes.
Independent, Ireland-specific financial education for career breaks, caring years, redundancy, returning to work, pensions, retirement and the decisions in between.
Private coaching for women. Independent financial wellbeing programmes for workplaces.
Money, in real lifeStart where you are.
Independent by designNo products sold.No commission earned.Just clarity.
Start where you are
What’s happening in your life right now?
You do not need to know which financial topic you need. Choose the moment that feels most like yours, and we will work out the rest together.
A clear starting point
I want money to feel less scattered.
Bring the accounts, questions and half-finished plans into one calm picture. We can prioritise cash flow, debt, an emergency fund and your pension without trying to fix everything at once.
- Getting organised
- Saving & debt
- Emergency fund
- Pension basics
Career, home, family, wealth
I am doing well. I want my money to catch up.
Turn a growing career and good income into choices that last. Understand your benefits, pension, investing, home plans and the trade-offs between competing goals.
- Employer benefits
- Buying a home
- Investing
- Long-term wealth
Work, family and care
Everyone’s future seems to depend on me.
Make room for your own financial security while balancing children, caring responsibilities and the invisible family maths. The system matters here; this is not a personal failure.
- Family finances
- Caring costs
- Protection
- Your own future
A plan that no longer fits
Something shifted. I need to see what comes next.
Find solid ground after a career break, return to work, redundancy, separation, illness, bereavement or inheritance. We start with what matters now, not the old plan.
- Career breaks
- Separation
- Redundancy
- Inheritance
The next chapter
I want the next decade to feel deliberate.
Bring retirement, later-life choices, family support and your own independence into one view. Understand what enough could look like and the steps that move you closer.
- Retirement
- Financial independence
- Later-life planning
- Legacy
How we work together
One promise. Three ways in.
Education first, grounded in Ireland, and always free from a product agenda.
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Group
Workshops
Small-group education on pensions, investing and money through life’s transitions.
- Real Irish examples
- Questions welcomed
- Clarity without jargon
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Workplace
Corporate programmes
Financial wellbeing your team will actually engage with — designed around your people.
- Keynotes and workshop series
- Optional 1-to-1 coaching
- Meaningful impact measures
Experience and trusted delivery
Experience you can put in context.
Workplace delivery, professional roles and public contributions each tell a different part of the story.
Delivery experience
Workplace education
Karena has delivered financial education with Spectrum Life and Laya Healthcare, alongside her work in Irish financial services.
See example programme formats →Professional roles
Pensions and professional education
QFA pensions educator at IOB and member of the Pensions Authority Technical Expert Panel. Karena is also listed on the Women in Finance Awards 2027 judging panel.
View the judging panel ↗Media and speaking
Ideas in public
Hear Karena on the Irish Independent’s Money Talks and explore her IOB Wealth Management Conference contribution.
Watch, read and listen →
Financial lives are not linear.Why this exists
Financial advice was never written with women’s lives in mind.
Career breaks. Caregiving years. Pay gaps. Pension gaps. A cultural silence that made asking questions feel impolite.
Money, Just For Her makes the system visible before turning to the individual. No blame. No scaremongering. No pretending every financial life started from the same place.
Why Karena built this
Karena DuaneFounder · CFP® · QFA · MBA
Meet Karena
Expertise, without the distance.
“The goal is not to turn you into a finance expert. It is to make money feel clear enough to act on.”
I have spent more than 25 years in Irish financial services. I know the system from the inside — and I know what it feels like when real life refuses to fit the model.
Pensions Authority · Technical Expert PanelInstitute of Bankers · QFA Pensions CoordinatorNewstalk · National radio commentarySpectrum Life & Laya Healthcare · Corporate delivery
Read Karena’s storyMedia & speaking →Read, think, act
Money, in plain English.
Gender wealth gap
The Female Finance Factor
Why women’s financial lives so often differ from the model the industry was built around.
Read on LinkedIn ↗Financial resilienceEight Questions on Your Financial Resilience
The questions that reveal how resilient your finances really are — beyond the balance in your bank account.
Read on LinkedIn ↗InvestingIf You Think Investing Isn’t for You
For women in Ireland who have been made to feel that investing was never really meant for them.
Read on LinkedIn ↗From the articles
Make sense of the next money decision.
Redundancy & life changes
Redundancy: the money questions to ask before you leave
A practical Irish checklist for understanding your leaving payment, monthly income gap, pension and workplace benefits before making big decisions.
Read the article →Budgeting & everyday money
Your annual bills belong in your monthly budget
Car insurance, school costs and Christmas can make an ordinary month expensive. Build them into your budget with a simple annual-bills calculation.
Read the article →Mortgages & financial choices
Before you overpay your mortgage, check these five things
Five questions for Irish homeowners considering a mortgage overpayment: charges, access to cash, other commitments and what the lender does with the payment.
Read the article →Your next step
A conversation at the right level for you.
A first conversation · Free
20-minute introductory call
Talk about what you want to understand and whether coaching would be useful.
Book a free introductory call ↗Private coaching · €250
One hour, focused on you.
A private video session with a written summary of your priorities and practical next steps. You can book a session directly.
Book a private session →