Independent agency · Fremont, California
Protect what you have. Build what comes next.
Celestial Wealth Solutions is an independent financial services agency focused on insurance, retirement-income strategies and financial education, led by Zeena and Geancarlo Carmona.
Where do you want to start?
Two conversations. Both begin the same way.
One is about your money. The other is about your career. Neither one starts with a product and neither one costs anything.
For families and business owners
I want a strategy
Protection, tax-aware accumulation and income you will not outlive, built around your actual numbers instead of a product pitch.
Book a Strategy SessionFor builders and career changers
I want a career
Get licensed, get trained and build your own business, with access to products from multiple carriers rather than a single captive shelf.
Explore the OpportunityThe problem
Most people do not have a product problem. They have a coordination problem.
Four accounts opened in four different decades, none of them aware the others exist. Nothing is coordinated, so nothing compounds and nobody can tell you whether you are on track.
Your money is doing one job
Most households own a pile of accounts that were each opened for a different reason and have never been looked at together. Nothing is coordinated, so nothing compounds.
Nobody explained the trade-offs
Every financial tool has a cost, a limit and a scenario where it is the wrong answer. You were sold the upside. You were never shown where the strategy breaks.
Retirement is a number, not a plan
A balance is not income. Turning a lump sum into a paycheck that survives a bad sequence of returns is a different problem than growing it, and it needs its own design.
The protection layer is missing
Growth strategies assume the earner keeps earning. Disability, a diagnosis or an early death is what actually ends a plan, and that is the layer families skip.
What we do
Four pillars, one coordinated strategy
Each of these solves a different problem. The work is deciding which ones you actually need and in what order, which is a different conversation than being sold the one that pays best.
Retirement and Wealth Strategies
Retirement income, tax-advantaged accumulation, rollover and qualified plan strategy, education funding, and protection built around your time horizon.
Explore retirementAnnuities
Fixed, fixed indexed and income annuities that convert a balance you cannot afford to lose into income that arrives whether the market cooperates or not.
Explore annuitiesLife Insurance and IUL
Term, participating whole life and indexed universal life, designed for the job you are hiring the policy to do rather than the commission it pays.
Explore life insuranceFinancial Education
Workshops, one on one sessions and plain-language breakdowns, because a strategy you do not understand is a strategy you will abandon in the first bad year.
Explore educationHow it works
Five steps. No pressure, no jargon.
The first meeting has no application in it. If you leave understanding your options and decide to do nothing, that is a legitimate outcome and we will say so out loud.
Discovery
A real conversation about income, obligations, timeline and what you are actually afraid of. No product is mentioned. Nothing is sold. Roughly 30 minutes.
Analysis
We map what you already own, where the gaps are and what each dollar is currently doing. You get the picture in writing, including the parts that are working fine.
Design
Two or three routes, side by side, with the trade-offs written down. Guarantees, liquidity, tax treatment, fees and the scenario where each one underperforms.
Implementation
Applications, underwriting, transfers and beneficiary designations handled end to end, with a named person you can call instead of a service queue.
Annual review
Income changes, tax law changes, families change. The strategy gets re-examined every year and adjusted rather than left to drift for a decade.
Independent by design. Access to multiple carriers. Focused on you.
As independent licensed insurance professionals, we have access to products from multiple insurance carriers rather than being limited to a single company. This allows us to educate clients on available options and help identify solutions aligned with their protection, retirement-income and long-term financial goals.
Independent, with access to multiple carriers
Our independent model provides access to solutions from multiple insurance carriers rather than limiting our clients to the products of a single captive company.
Education before product
The first meeting has no application in it. If you leave understanding your options and decide to do nothing, that is a legitimate outcome and we will tell you so.
Design over sales
Funding matters. Structure matters. Carrier selection matters. The same product can succeed or fail depending on how it was built, and that is where the work happens.
A team, not a solo agent
Two licensed principals and a growing field organization, so your file does not stall when one person is on a plane.
16+
Years in financial services
Zeena Carmona, in the industry since 2009
2
Licensed principals
Both founders still in client appointments every week
4
Coordinated pillars
Retirement, annuities, life insurance, education
30 min
First meeting
No product presented, no application, no cost
In their words
Don't confuse a poorly designed policy with a poorly designed concept.
Building a financial strategy isn't about finding one product. It's about understanding your options and using the right combination of tools for your goals.
The people
Led by a husband and wife team
Zeena and Geancarlo Carmona built this agency together. Both are licensed, both are still in client appointments every week, and both train the professionals who join.
Zeena Yasin Carmona
Co-Founder | Licensed Insurance Professional
Zeena has spent more than sixteen years in the financial industry. She came into it from the medical field, where the job was explaining consequential decisions to people on the worst day of their week, and that is still how she runs a first appointment.
16+
years in financial services
Bay Area
based in Fremont, California
12.9K
following on social
Geancarlo Carmona
Co-Founder | Licensed Insurance Professional
Geancarlo built his first business in fitness, where results are measurable, excuses are obvious and the only thing that compounds is what you do when nobody is watching. He brought the same standard into financial services.
Design
policy structure and funding
Leadership
agency and team development
Licensed
financial professional
The opportunity
Or come build an agency of your own.
Most of the people on this team did not come from finance. They came from healthcare, fitness, teaching, hospitality, the military and commissioned sales. What they had in common was that they were coachable and they finished what they started.
You get licensed, you get trained by leaders who still write business every week, and you build your own business as an independent professional with access to multiple carriers. Most people start part time. Nobody is asked to quit on faith.
Independent, with access to multiple carriers
Access to products from multiple insurance carriers rather than a single captive shelf, so you can recommend what fits the client in front of you.
A unified tech stack
Quoting, CRM, illustrations, client onboarding and AI-assisted prospecting in one place, rather than six logins you assemble yourself.
Build your own business
Develop your own client base and your own team, and create long-term opportunity through production and leadership. Eligibility and terms are set by the contractual program in force at the time.
Leadership still in the field
Your mentors write business every week. You are not being coached by someone who stopped selling in a different decade.
Proof
What people say about working with us
Three situations we see constantly: a household with accounts nobody has looked at together, a retiree who was never shown the parts of a contract that were not in their favor, and a career changer with no finance background.
I came in with three retirement accounts I had not looked at in years and a policy I did not understand. Zeena laid all of it on one page and showed me what each piece was actually doing. She talked me out of one thing I thought I wanted. That is when I knew.
Marcos R.
Business owner · Hayward, CA
Geancarlo went through the annuity contract with me line by line, including the surrender schedule and the cap. Nobody had ever shown me the parts that were not in my favor. I signed because I finally understood it.
Darnell W.
Retired · Fremont, CA
I came from healthcare with no finance background. They handled the licensing step properly and then sat in my first appointments until I stopped needing them there. Ninety days in I was running my own.
Alicia T.
Licensed professional · Bay Area, CA
Illustrative examples showing how client and team reviews will appear. These are not client reviews. Real ones take their place as they are collected.
Questions
The things people ask before they call
An independent insurance agency helps you work out what you need, compares options from multiple insurance carriers, and handles the application and service work afterward. Independent means we are not tied to one company shelf of products. Celestial Wealth Solutions is based in Fremont, California and works with families, retirees and business owners across the eight states where we are licensed to do business.
A captive agent represents one insurance company and can only offer what that company sells. An independent agency has access to products from multiple carriers and can compare them side by side. The practical difference is choice: when one carrier prices a case badly or declines it, an independent agency has somewhere else to go. Neither model is dishonest, but the range of options is not the same.
Insurance carriers pay a commission on policies placed with them, typically a percentage of the premium, with a smaller ongoing amount in later years for servicing the policy. You do not write a separate check to us. Commission varies by product and by carrier. If you want to know how we are compensated on a specific recommendation, ask during the meeting and you will get a straight answer.
No. There is no fee for the first meeting, the written summary, or the work of placing coverage. We do not charge planning, consultation or retainer fees. Carriers compensate us on business placed. If a particular contract ever carried a fee charged by the carrier itself, that appears in the contract and we will point it out before you sign anything.
An annuity is a contract between you and an insurance company. You place money with the carrier, and in return the carrier agrees to credit interest, protect principal, pay you an income, or some combination, according to the terms written in the contract. Annuities come in several types with very different risk profiles. The guarantees inside any annuity are backed by the claims paying ability of the issuing insurance company.
A fixed annuity credits a rate of interest declared by the insurance company for a stated period. Your principal is not exposed to market losses, and you know the crediting terms before you sign. A multi year guaranteed annuity, often called a MYGA, is the version that locks the declared rate for the full term. Rates change frequently and vary by carrier, so any figure we show you comes straight from the carrier.
A fixed indexed annuity is an insurance contract whose interest credits are tied to the performance of a market index, with a floor that protects your principal from index losses. You are not invested in the index and you do not own shares. In exchange for that protection, the upside is limited by contract features such as caps, participation rates, or spreads. Those limits vary by carrier and can change over time.
Book the first conversation. It costs nothing and sells nothing.
Thirty minutes on your income, your obligations, your timeline and what you are actually worried about. No products. No application. You leave with a clearer picture either way.