करमूले स्थिता गौरी प्रभाते करदर्शनम् ॥
At the fingertips dwells Lakshmi; at the centre of the palm, Saraswati; at the base, Gauri. Therefore at dawn — palm‑darshan.
You are not invoking deities residing somewhere outside. The very purpose of the shloka is to acknowledge those energies — strength (Gauri), resource (Lakshmi), wisdom (Saraswati) — already within you, and to invoke that aspect from within. A note on pronunciation: it is lakṣmīḥ, with anusvāra — not lakshmi.