Prepare your sugar-free sweetened condensed milk according to its recipe, or use a store-bought low-carb version if available.

In a medium saucepan over low heat, combine the almond milk, heavy cream, and the condensed milk. Stir gently until the mixture is smooth and blended.

If you’re making chocolate creamer, sift in the cocoa powder and whisk it in until fully dissolved.

Remove the pan from heat. Stir in your chosen flavor extract (vanilla or hazelnut) or pumpkin puree/spice mix, if using.

Taste and adjust sweetness if needed — add a little sweetener if you prefer it sweeter.

Let the creamer cool, then transfer to a clean jar or bottle and refrigerate. Shake well before using.