# Free Financial Education | Celestial Wealth Agency > Free financial education for families, business owners and teams. Workshops and one on one sessions, with no application at the end of them. Canonical page: https://celestialwealthsolutions.com/financial-education Financial education # Understand it before you buy it A strategy you do not understand is a strategy you will abandon in the first bad year. That is the entire reason education comes before product here. Where we start ## The first question is what the money is for We run workshops for families, employers and community groups, and one on one sessions for people who want the material without a room full of strangers. There is no cost and there is no application at the end of it. ### Household workshops Cash flow, debt sequencing, emergency reserves, the protection layer and how retirement accounts actually work. Written for adults who were never taught any of it. ### Business owner sessions How personal and business capital interact, retirement plan options for a small team, key person exposure and what happens to the business if the owner cannot work. ### Employer lunch and learns A financial literacy session for your team, delivered on site or remotely. No solicitation in the room, and employees follow up only if they choose to. ### One on one review Bring what you own. Statements, policies, plan documents. You leave with a written picture of where you stand and a list of what to fix first. ### Book a strategy session Forty five minutes. No product is presented and no application is opened. You leave with a written picture of where you stand. ### Not ready to talk? Read the questions we get asked most, including how we are paid and what a session actually covers. How it works ## The same five steps, every time ### Discovery A real conversation about income, obligations, timeline and what you are actually afraid of. No product is mentioned. Nothing is sold. Roughly 45 minutes. ### Analysis We map what you already own, where the gaps are and what each dollar is currently doing. You get the picture in writing, including the parts that are working fine. ### Design Two or three routes, side by side, with the trade-offs written down. Guarantees, liquidity, tax treatment, fees and the scenario where each one underperforms. ### Implementation Applications, underwriting, transfers and beneficiary designations handled end to end, with a named person you can call instead of a service queue. ### Annual review Income changes, tax law changes, families change. The strategy gets re-examined every year and adjusted rather than left to drift for a decade. Questions ## About education specifically ### Is there a cost? No. Workshops and the initial one on one session are free, including the written summary you take home. ### Will I be sold something? Not in the room. Education sessions contain no applications. If you want to go further afterward you schedule a separate appointment, and that is entirely your call. ### Can you present to my company or community group? Yes. We deliver sessions for employers, associations and community organizations throughout the Bay Area and remotely. Get in touch with a rough headcount and a date. ### What should I bring? For a one on one, recent statements for anything you own, current policy documents and a rough sense of your monthly cash flow. If you have none of that, come anyway. Also worth knowing ## The other three pillars These are not competing products. They solve different problems, and which ones you need depends entirely on what your money is being asked to do. ### Investments and Retirement Retirement accounts, rollovers and long-term accumulation strategies matched to your time horizon and your tolerance for risk. ### Annuities Fixed, fixed indexed and income annuities that convert a balance you cannot afford to lose into income that arrives whether the market cooperates or not. ### Life Insurance and IUL Term, participating whole life and indexed universal life, designed for the job you are hiring the policy to do rather than the commission it pays. ## Start with a conversation, not a recommendation. Bring what you already own. Statements, policies, plan documents. You will leave with a written picture of where you stand whether or not you ever work with us. --- 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)