# About the Carmonas | Celestial Wealth Agency > Zeena and Geancarlo Carmona, a husband and wife team in Fremont, California. Education before product, design before sales. Canonical page: https://celestialwealthsolutions.com/about About the agency # A husband and wife team, and a growing bench Celestial Wealth Agency was built by two people who came into financial services from somewhere else and never lost the habit of explaining things plainly. That is the whole premise: education before product, design before sales. Why we exist ## The industry sells products. We sell clarity. Every financial tool has a cost, a limit and a scenario where it is the wrong answer. Most people are shown the upside and never shown where the strategy breaks. That gap is the reason this agency exists. We are independent, which means no carrier employs us and no house product has to be placed. It also means the reason behind a recommendation has to hold up in writing, because there is no corporate mandate to hide behind. The second half of the business is people. We license and develop financial professionals, most of whom arrive from outside the industry. That work is not a side activity. It is how a two person practice becomes an agency that can still answer the phone in ten years. ### Independent, not captive We are not employed by a carrier and we have no house product to push. Recommendations come from a shelf of carriers, and the reason for the pick is written down. ### 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. The founders ## Two licensed principals, both still in appointments Co-Founder and Executive Marketing Director ## Zeena Yasin Carmona 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. As Executive Marketing Director she leads the agency's field organization, which means licensing new professionals, running training, and sitting in appointments alongside the people she has developed. She is based in the San Francisco Bay Area and speaks regularly on financial literacy and building a business from scratch. **16+** years in financial services **Bay Area** based in Fremont, California **12.9K** following on social Co-Founder and Agency Owner ## Geancarlo Carmona 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. He focuses on policy design and leadership development: how a strategy is funded, how it is structured, which carrier it belongs with, and how to train a new professional to do that work correctly. He writes publicly about capital strategy for business owners and is unusually blunt about what cash value life insurance can and cannot do. **Design** policy structure and funding **Leadership** agency and team development **Licensed** financial professional How we work ## Five steps, start to annual review ### Discovery A real conversation about income, obligations, timeline and what you are actually afraid of. No product is mentioned. Nothing is sold. Roughly 45 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. Proof ## What it sounds like when it works A first meeting that changed what somebody thought they wanted, a contract finally explained line by line, and a career changer ninety days in. > 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. Real reviews replace these before launch. ## Meet the people before you decide anything. The first conversation is free, has no application in it, and ends with a written picture of where you stand. --- Celestial Wealth Agency, an independent financial services agency in Fremont, California. Investments and retirement, annuities, life insurance and IUL, free financial education, and licensing for new financial professionals. Zeena Carmona (510) 461-2496, Geancarlo Carmona (858) 405-6743, geancarloUWF@outlook.com. Monday to Friday, 9am to 7pm PT. Evenings and weekends by appointment. Important disclosures: Celestial Wealth Agency provides financial education and insurance services. This website is for educational purposes only and is not financial, tax, legal or investment advice. Guarantees are backed by the claims-paying ability of the issuing insurance company. Policy loans and withdrawals reduce cash value and death benefits. Dividends are not guaranteed. Past performance does not indicate future results. Full set: https://celestialwealthsolutions.com/disclosures Powered by [Launch Automation](https://launchautomation.ai)