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.
Start the conversation
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.
What to expect
Thirty 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.
0 to 5 min
Where you are
Income, obligations, dependents, timeline. What you already own and roughly what each account was opened for. No documents required to start.
5 to 15 min
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.
15 to 25 min
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.
25 to 30 min
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.
Practical details
Where we meet, and how fast we reply
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
Pick a time on Zeena Carmona's or Geancarlo Carmona's calendar. Choose one on the team page, or go straight to either founder's own page and book there directly. You can also call or text (510) 461-2496, email Contact@CelestialWealthSolutions.com, or use the contact form, and we will find a time with you. First available sessions are typically within a few business days. There is no cost and no obligation attached to booking one, and no product is presented.
No. The initial strategy session is free, and so is the written summary you receive afterward. We are compensated by insurance carriers when a client chooses to place business through us, not by charging you for the conversation. There is no consultation fee, retainer or planning fee at any stage. Nothing about the first meeting is billable to you.
We cover four things: where you are today, what you are actually worried about, what your options are in plain language, and what happens next. No product is presented for signature, no laptop gets turned around to face you, and no application sits on the table. You leave with a written summary of where you stand. If a second meeting makes sense, we book it then.
About thirty minutes. That is long enough to understand your situation properly without turning your day into a project. Careers conversations run about the same. If your situation is complicated, for example several accounts or a business involved, we may suggest a second session rather than rushing the first. We will say that at the time instead of quietly running over.
Both. We meet in person throughout the San Francisco Bay Area from our base in Fremont, California, and by video anywhere we are licensed to do business. Video works well for a first conversation, and plenty of clients never need an in person meeting at all. Tell us which you prefer when you book and we will set it up that way.
Celestial Wealth Solutions is based in Fremont, California, and serves the wider San Francisco Bay Area in person. Video meetings cover the rest of our licensed footprint. Call (510) 461-2496 to arrange a meeting near you or to set up a video session instead.
Tell us on the first call and we will say so directly. We cannot place insurance business in a state where we are not licensed, and we will not pretend otherwise. Licensing can sometimes be added, so it is worth asking. If we cannot help you, we would rather say that in five minutes than book a meeting that goes nowhere.
Useful but not required: recent statements for retirement or brokerage accounts, any life insurance or annuity documents you hold, a recent employer benefits summary, and a rough monthly cash flow figure even if it is an estimate. Business owners can add entity type and roughly what the business nets. The more you bring, the more specific the written summary can be. Bringing nothing is fine too.
No. Nothing is required to get on the calendar or to hold the first meeting. We start with what you know and build from there. If documents would sharpen the conversation, we will name the ones that help and you can send them before a second meeting. Waiting until you feel organized is the most common reason people put this off for years.
Calls and texts during business hours are usually answered the same day. Email is answered within one business day, and messages through the contact form run on the same schedule. If you would rather skip the wait, pick a time directly on Zeena Carmona's or Geancarlo Carmona's calendar instead. If you have not heard back within a business day, call (510) 461-2496 directly rather than waiting on the form.
Other times are available by appointment, which matters for people who work shifts or cannot take a call during the workday. Evening and early morning sessions can usually be arranged. Ask when you book and we will find a time rather than making you take a half day off work for a first conversation.
The first session can usually be scheduled within a few business days. If your situation is time sensitive, for example an enrollment deadline or a policy decision with a date attached, say so when you reach out and we will look for something sooner. Call (510) 461-2496 for the fastest answer on current availability rather than sending the form.
No. Nothing is presented for signature at the first meeting and there is no application on the table. The purpose is to understand your situation and give you a written summary of where you stand. If we think a product fits, we say so and explain the trade offs, including where it would be the wrong answer. Deciding to do nothing is a legitimate outcome.
Zeena Carmona or Geancarlo Carmona, the two Co-Founders, both Licensed Insurance Professionals. There is no call center, no lead form routing you to a stranger, and no junior handling the first meeting. Whoever you speak with first stays on your file, and you have their direct number from that first conversation onward rather than a general line.
Call or text Zeena at (510) 461-2496 and say you would like to speak with her. She is Co-Founder and a Licensed Insurance Professional, and she takes her own calls. If she is with a client, leave a message or send a text and you will hear back the same business day during our regular hours.
Call or text Geancarlo at (858) 405-6743, or email Contact@CelestialWealthSolutions.com. He is Co-Founder and a Licensed Insurance Professional. Like Zeena, he runs his own calls and meetings. If you have already spoken with one of them, ask for that person by name and you will stay with them rather than being passed around the agency.
Yes. Call or text (510) 461-2496 and use the form only if you prefer it. The form exists so we know which conversation to prepare for, not to filter you. Texting works well for scheduling. Nothing you send through any of these routes goes to a third party call center or a shared sales floor.
Yes. Email Contact@CelestialWealthSolutions.com and you will get a reply within one business day. Email works well for sending documents ahead of a meeting or asking a question you are not ready to have a full conversation about. Please do not send Social Security numbers or account numbers by email, and we will give you a safer route when that information is needed.
Yes. What you share is used to understand your situation and prepare recommendations, and it is not sold. Information reaches an insurance carrier only when you decide to apply for something, and only as that application requires. Our privacy policy on the site sets out the details. If you would rather hold something back at the first meeting, that is completely fine.
No. The written summary is part of the free first session and it is yours whether you ever place business with us or not. Some people take it elsewhere for a second opinion, which is a reasonable thing to do. We would rather be the agency you compare against than the one that made a summary conditional on a sale.
Bring it. Second opinions are one of the most common meetings we run. Bring the in force illustration for a life policy or the contract for an annuity, and we will read it with you, including the surrender schedule, the caps and the parts that are not in your favor. Replacing existing coverage is not automatically an upgrade, and often the honest answer is to keep it.
Pick a time on Zeena Carmona's or Geancarlo Carmona's calendar right now, on the team page or on either founder's own page, and you are booked instantly. If you would rather we find a time for you, call or text (510) 461-2496 or use the contact form and tell us whether you want a client conversation or a careers conversation, and whether you prefer in person or video. We will come back with times, usually within one business day.
One of the founders contacts you, usually within one business day, to confirm what you want to talk about and agree a time. You then get a confirmation with the video link or the meeting location. Nothing else happens in between. You will not be added to a call rotation, and you will not be handed to somebody you have never spoken with.
You receive a written summary of where you stand, in plain language. If a second meeting is warranted we book it then. If it is not, we say so, and that is a legitimate ending to the process. Should you decide to move forward on something, we explain the application steps, the timelines and what the carrier will need before anything is submitted.
Yes, and we encourage it. Decisions about income, coverage and a business rarely belong to one person, and repeating a thirty minute conversation secondhand loses most of it. Tell us who is joining when you book so we prepare for the right conversation. Video meetings make this much easier when the two of you are not in the same place.