Contact
Two people. One conversation.
No call center, and no lead form that routes you to a stranger. You are talking to Zeena or Geancarlo, and whoever you speak with first stays on your file.
Book a session
Tell us which door you are walking through
Both go to the same two people. The form just tells us which conversation to prepare for.
Reach us directly
Call, text or email
Zeena Carmona
(510) 461-2496
Co-Founder and Executive Marketing Director
Geancarlo Carmona
(858) 405-6743
Co-Founder and Agency Owner
Email the agency
geancarloUWF@outlook.com
We reply within one business day
Hours
Monday to Friday, 9am to 7pm PT. Evenings and weekends by appointment.
Where we are
Based in Fremont, CA. In person throughout the San Francisco Bay Area, and by video anywhere we are licensed to do business. Ask about your state on the first call.
What to expect
Forty five minutes, hour by hour is overkill
Here is the actual agenda. There is no presentation, no laptop turned around to face you, and no application on the table.
Where you are
Income, obligations, dependents, timeline. What you already own and roughly what each account was opened for. No documents required to start.
What you are worried about
The part most meetings skip. Outliving the money, a market year at the wrong time, what happens to the family if the earner cannot earn, a business with no plan behind it.
What your options are
Plain language, trade-offs included. What each tool is good at, what it costs, and the scenario where it is the wrong answer. No product is presented for signature.
What happens next
You get a written summary of where you stand. If a second meeting makes sense we book it. If it does not, we will say so, and that is a legitimate outcome.
Who books one
Four situations we see most weeks
If you recognize yourself in one of these, the meeting will be useful. If you do not, call anyway and we will tell you honestly whether it is worth your time.
Families getting organized
Several accounts, a policy somebody sold you years ago, and no single view of how any of it fits together. The most common first meeting we run.
Five to ten years from retiring
The window where the question shifts from growing the number to turning the number into income that survives a bad sequence of returns.
Business owners
Personal and business capital interacting, retirement plan options for a small team, key person exposure, and what happens to the business if the owner cannot work.
Second opinions
You already own something and want an honest read on it. Bring the in-force illustration or the annuity contract. Replacement is not automatically an upgrade.
In person or by video
In person throughout the San Francisco Bay Area, and by video anywhere we are licensed to do business. Ask about your state on the first call and you will get a straight answer rather than a maybe.
How fast we reply
Calls and texts inside business hours are usually answered the same day. Email inside one business day. The first available session is typically within a few business days.
Who you actually get
Zeena or Geancarlo, not a call center and not a junior. Whoever you speak with first stays on your file, and you have their direct number from the first conversation.
Questions
Practical answers
The first conversation can usually be scheduled within a few business days. Send the booking form or call us directly and we will get you scheduled.
Both. In person throughout the San Francisco Bay Area, and by video anywhere we are licensed to do business.
No. The initial strategy session and the written summary that follows it are free.
Recent statements for anything you own, current policy documents, and a rough sense of monthly cash flow. If you do not have those assembled, come anyway and we will start with what you know.