# Book a Strategy Session | Celestial Wealth Agency > Call (510) 461-2496 or book a free 45 minute session with Zeena or Geancarlo Carmona. No product presented, no application, no cost. Canonical page: https://celestialwealthsolutions.com/contact 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. ### Social Both founders post regularly about strategy and the business. 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. ### What to bring Useful, not required. The more of this you have, the more specific the written summary can be. - Recent statements for any retirement or brokerage accounts - Any life insurance or annuity policy documents you have - Your most recent employer benefits summary - A rough monthly cash flow figure, even an estimate - For business owners: entity type and roughly what the business nets - Nothing at all is also fine. We will start with what you know. ### 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 ### How quickly can we get started? 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. ### Do you meet in person or by video? Both. In person throughout the San Francisco Bay Area, and by video anywhere we are licensed to do business. ### Is there a cost for the first meeting? No. The initial strategy session and the written summary that follows it are free. ### What do I need to bring? 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. --- 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)