# Financial Services Careers | Celestial Wealth Agency > Get licensed, get trained and build an agency of your own. Pre-licensing support, carrier appointments and a written 90 day plan. Commission only. Canonical page: https://celestialwealthsolutions.com/careers Careers · Independent contractor opportunity # Get licensed. Get trained. Own what you build. Most 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. Start here ## Request the conversation Thirty minutes. What you do now, what you want, and an honest read on whether this is a fit. If it is not, we will say so on the call. Say the hard part first ## This is commission only. Here is what that means. Income is production based. There is no salary and no guaranteed floor. What you earn is a function of activity, skill and time, which means the early months are genuinely uncertain and some people earn nothing at all. ### What it costs to start State pre-licensing coursework, the exam fee, fingerprinting and the state license fee. Those are paid to the state and the course provider, not to us. Ask for current figures on the first call and you will get them. ### What we do not promise No income figures, no first-year-earnings claims, no screenshots of somebody's commission statement. Results vary by effort, skill, licensing and market. Anyone in this industry who leads with a number is selling you the number, not the career. ### What we do promise Structured licensing support, real product training, a mentor who sits in your appointments until you no longer need them there, and a written plan for your first ninety days so you are never guessing what week two looks like. The platform ## Independent, with the infrastructure of a large firm We build on Global Financial Impact, an independent platform company. That combination matters: independence means you can recommend what fits the client, and the platform means you are not building your back office from scratch. ### An independent platform Direct carrier relationships instead of a single captive shelf, so you can actually recommend what fits the client in front of you. ### A unified tech stack Quoting, CRM, illustrations, client onboarding and AI-assisted prospecting in one system, rather than six logins you pay for yourself. ### Ownership, not a desk You build an agency with your own name on it, with a defined path from personal production to overrides to equity in what you have built. ### 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. ### Licensing paid forward Structured pre-licensing, exam prep, carrier appointments and a first-90-days plan. You do not have to guess what week two looks like. ### Part time to full time Most people start beside an existing job and transition when the numbers justify it. Nobody is asked to quit on faith. The path ## From first call to your own agency ### Conversation A 30 minute call. What you do now, what you want, and an honest read on whether this is a fit. If it is not, we will say so on the call. ### Licensing State life and health pre-licensing course, exam scheduling and prep. Most people clear this in two to six weeks depending on how much time they can give it. ### Onboarding Carrier appointments, platform access, compliance training and product fundamentals. You shadow live appointments before you run one alone. ### First 90 days A written activity plan with weekly checkpoints, joint field work, and a mentor who sits in your appointments until you do not need them there. ### Build your agency Once you are producing consistently, you begin licensing and developing your own team, with the same system that trained you. The week ## What ten to fifteen hours actually looks like Nobody can tell you what you will earn. Everybody can tell you what you will do. This is the honest version of the week, and it is the same one every person here started with. ### Conversations, not cold calls Most weeks start with people you already know: a list you build in week one, then referrals from the people you help. Nobody is handed a purchased lead list and told to dial until something happens. ### Two to four appointments A part time schedule realistically supports two to four client appointments a week, in person locally or by video. Each one runs about 45 minutes plus prep. ### One training block A standing weekly session on product, case design or field skills. It is on the calendar, it is not optional, and it is where most of the improvement happens. ### Joint field work Early on, a mentor is in the appointment with you. Later, you are the one sitting in somebody else's. That handover is the whole model. The training ## Four blocks, in this order You do not get handed a product brochure and a phone. The sequence matters, and skipping ahead is the single most common reason new professionals in this industry quit in the first year. 01 ### Licensing State pre-licensing coursework, exam scheduling and structured prep. Most people clear the exam in two to six weeks depending on hours available. 02 ### Products How term, whole life, IUL and annuity contracts are actually built: funding, structure, riders, surrender schedules, caps and participation rates. What each one is good at and where it breaks. 03 ### Field skills Running a discovery conversation, reading a statement, building a written recommendation, and handling the objection you will hear most: I need to think about it. 04 ### Leadership Once you are producing consistently, how to license, train and develop other professionals without becoming the bottleneck in your own agency. ### Where people come from Almost nobody here arrived from finance. These are the backgrounds that transfer best, in our experience. - Healthcare and nursing - Fitness and coaching - Teaching and education - Hospitality and service - Military and first responder - Real estate - Retail and commissioned sales - Small business ownership Compensation ## How you get paid, with no numbers attached We will not put an income figure on a web page, and you should be suspicious of any agency that does. What we can explain is the mechanism, so you can judge it for yourself. ### How you get paid Carriers pay a commission when business is placed and issued. You are an independent contractor, so that commission comes to you directly at your contract level. There is no salary, no draw and no guaranteed floor. ### Why the contract level matters Your share of the commission is set by your contract level, and it increases as your production and your team production increase. The schedule is written down and it is the same one everyone in the agency is on. ### Renewals and overrides Some products pay renewal commissions in later policy years. Once you develop other licensed professionals, you also earn an override on the business they place. Both are earned, not residual by default, and both depend on business staying in force. ### What it costs you Pre-licensing coursework, the state exam fee, fingerprinting and the state license fee. Those go to the state and the course provider, not to us. Ask for the current figures on your first call. Compensation is production based. No specific level of income is promised, implied or guaranteed, results vary by individual, and many people who begin do not achieve significant income. Good fit ## This works for you if - You are coachable and you finish what you start - You can hold a conversation with a stranger without dreading it - You want your income tied to your effort, not to a review cycle - You are willing to get licensed and study for a real exam - You can commit 10 to 15 focused hours a week to start - You are eligible to be appointed by insurance carriers Not a fit ## Do not apply if - You want a salary with a guaranteed floor from day one - You want to be handed a list of leads and nothing else - You are looking for passive income with no client contact - You want to skip licensing or have someone else write your business We would rather tell you no on a thirty minute call than watch you spend six weeks and a licensing fee finding out the hard way. Who trains you ## Leadership that is still in the field Zeena leads field development and runs training. Geancarlo focuses on policy design and leadership. Both still sit in client appointments every week, which means you are coached by people doing the work now. ### Zeena Yasin Carmona Co-Founder and Executive Marketing Director 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 and Agency Owner 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 From the team ## What the first ninety days looked like A recruit describing their own first ninety days is the strongest thing a page like this can carry, which is exactly why we will not invent one. Real words replace these before launch. > 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* > 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* Illustrative examples showing how client and team reviews will appear. Real reviews replace these before launch. Questions ## Before you book the call ### Do I need a license before I can start? No. Most people join without one. We provide the pre-licensing course, exam prep and scheduling, and the process typically takes two to six weeks depending on how much time you can give it. ### Do I have to quit my job? No, and we do not recommend it. Most people start part time alongside existing work and transition when the numbers justify it. Ten to fifteen focused hours a week is a realistic starting commitment. ### Is this commission only? Compensation is production based. There is no salary. What you earn is a function of activity, skill and time, which is the honest version of the answer, and it means income in the early months is genuinely uncertain. ### What does it cost to join? There are real costs: state pre-licensing coursework, the exam fee, fingerprinting and the state license fee. Those are paid to the state and the course provider, not to us. Ask for the current figures on your first call. ### Do I need a finance background? No. The two most useful traits are coachability and willingness to talk to people. Backgrounds that transfer well include healthcare, fitness, teaching, hospitality, military service and any commissioned sales role. ### What kind of support do new people get? Structured onboarding, product training, joint field work where a mentor sits in your appointments, and a written first-90-days plan with weekly checkpoints. You shadow live appointments before you run one on your own. ## Thirty minutes. An honest answer either way. Tell us what you do now and what you want. If this is not a fit we will say so on the call, and you will have lost half an hour instead of six weeks. Career opportunity disclosure. The opportunity described on this page is an independent contractor opportunity, not employment. Compensation is based entirely on production. No specific level of income is promised, implied or guaranteed. Results vary based on individual effort, skill, licensing, market conditions and time invested. Many individuals who begin do not achieve significant income and some earn nothing at all. A state insurance license is required to sell insurance products, and licensing costs including coursework, examination and state fees are the responsibility of the individual. --- 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)