# Disclosures | Celestial Wealth Agency > Educational purpose, insurance guarantees, investment risk and career opportunity disclosures for Celestial Wealth Agency. Canonical page: https://celestialwealthsolutions.com/disclosures Legal # Disclosures Read this before acting on anything else on this website. It is short, it is plain, and it matters. ## Educational purpose All content on this website is provided for general educational purposes only. It is not individualized financial, tax, legal or investment advice, and it does not constitute an offer or solicitation to buy or sell any security or insurance product. No strategy described here is suitable for every person. Suitability depends on your individual circumstances, and you should consult qualified professionals before acting. ## Insurance products Insurance and annuity products are issued by insurance companies and are subject to the terms, conditions, limitations and exclusions of the issuing contract. All guarantees are backed solely by the claims-paying ability of the issuing insurance company. Policy loans and withdrawals reduce available cash value and the death benefit, may cause the policy to lapse, and may have tax consequences. Dividends are not guaranteed. Illustrated values other than guaranteed elements are not guarantees or projections of future results. Indexed products do not directly participate in any stock or equity investment. Index crediting is subject to caps, participation rates and spreads which may change. ## Investments Investing involves risk, including the possible loss of principal. Past performance does not indicate future results, and no strategy assures a profit or protects against loss in a declining market. Securities-related services are offered only by appropriately registered individuals through their affiliated broker-dealer or registered investment adviser. Details of that affiliation, including the firm name and any applicable registrations, are provided on request and disclosed before any securities-related recommendation is made. ## Career opportunity Any career opportunity described on this website is an independent contractor opportunity, not employment, and 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. Licensing costs, including coursework, examination and state fees, are the responsibility of the individual. Licensing and affiliation. Celestial Wealth Agency and its principals are licensed insurance producers. Securities-related affiliations, registration numbers and the current list of states in which the agency and its principals are licensed are available on request by calling the number on this page. --- 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)