I Dream of Grizzly by Keira Blackwood

As the daughter of a dream witch, Valerie has three tricks up her sleeve—even if she hasn’t mastered her powers yet.
1. Count your fingers—if there aren’t ten, you aren’t awake.
2. Magical objects can be used against you. Get smart and wield their power first.
3. When all else fails, summon a guardian—make him a shifter, a beast of a man built to protect you, built to satisfy your every desire.
But be careful, because it can get awkward when dreams and reality collide…especially if the dream guardian you’ve just stripped naked turns out to be real.