# Financial Strategy and Careers | Celestial Wealth Solutions > Independent insurance and financial education agency in Fremont, CA. Retirement strategies, annuities, life insurance and IUL, and a licensing path. Canonical page: https://celestialwealthsolutions.com Independent agency · Fremont, California # Protect what you have. Build what comes next. Celestial Wealth Solutions is an independent financial services agency focused on insurance, retirement-income strategies and financial education, led by Zeena and Geancarlo Carmona. Where do you want to start? ## Two conversations. Both begin the same way. One is about your money. The other is about your career. Neither one starts with a product and neither one costs anything. For families and business owners ## I want a strategy Protection, tax-aware accumulation and income you will not outlive, built around your actual numbers instead of a product pitch. For builders and career changers ## I want a career Get licensed, get trained and build your own business, with access to products from multiple carriers rather than a single captive shelf. The problem ## Most people do not have a product problem. They have a coordination problem. Four accounts opened in four different decades, none of them aware the others exist. Nothing is coordinated, so nothing compounds and nobody can tell you whether you are on track. ### Your money is doing one job Most households own a pile of accounts that were each opened for a different reason and have never been looked at together. Nothing is coordinated, so nothing compounds. ### Nobody explained the trade-offs Every financial tool has a cost, a limit and a scenario where it is the wrong answer. You were sold the upside. You were never shown where the strategy breaks. ### Retirement is a number, not a plan A balance is not income. Turning a lump sum into a paycheck that survives a bad sequence of returns is a different problem than growing it, and it needs its own design. ### The protection layer is missing Growth strategies assume the earner keeps earning. Disability, a diagnosis or an early death is what actually ends a plan, and that is the layer families skip. What we do ## Four pillars, one coordinated strategy Each of these solves a different problem. The work is deciding which ones you actually need and in what order, which is a different conversation than being sold the one that pays best. ### Retirement and Wealth Strategies Retirement income, tax-advantaged accumulation, rollover and qualified plan strategy, education funding, and protection built around your time horizon. ### 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. ### Financial Education Workshops, one on one sessions and plain-language breakdowns, because a strategy you do not understand is a strategy you will abandon in the first bad year. How it works ## Five steps. No pressure, no jargon. The first meeting has no application in it. If you leave understanding your options and decide to do nothing, that is a legitimate outcome and we will say so out loud. ### Discovery A real conversation about income, obligations, timeline and what you are actually afraid of. No product is mentioned. Nothing is sold. Roughly 30 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. ## Independent by design. Access to multiple carriers. Focused on you. As independent licensed insurance professionals, we have access to products from multiple insurance carriers rather than being limited to a single company. This allows us to educate clients on available options and help identify solutions aligned with their protection, retirement-income and long-term financial goals. ### Independent, with access to multiple carriers Our independent model provides access to solutions from multiple insurance carriers rather than limiting our clients to the products of a single captive company. ### Education before product The first meeting has no application in it. If you leave understanding your options and decide to do nothing, that is a legitimate outcome and we will tell you so. ### Design over sales Funding matters. Structure matters. Carrier selection matters. The same product can succeed or fail depending on how it was built, and that is where the work happens. ### A team, not a solo agent Two licensed principals and a growing field organization, so your file does not stall when one person is on a plane. **16+** Years in financial services Zeena Carmona, in the industry since 2009 Licensed principals Both founders still in client appointments every week Coordinated pillars Retirement, annuities, life insurance, education **30 min** First meeting No product presented, no application, no cost In their words > Don't confuse a poorly designed policy with a poorly designed concept. *Geancarlo Carmona, Co-Founder* > Building a financial strategy isn't about finding one product. It's about understanding your options and using the right combination of tools for your goals. *Geancarlo Carmona, Co-Founder* The people ## Led by a husband and wife team Zeena and Geancarlo Carmona built this agency together. Both are licensed, both are still in client appointments every week, and both train the professionals who join. ### Zeena Yasin Carmona Co-Founder | Licensed Insurance Professional Zeena has spent more than sixteen years in the financial industry. She came into it from the medical field, where the job was explaining consequential decisions to people on the worst day of their week, and that is still how she runs a first appointment. **16+** years in financial services **Bay Area** based in Fremont, California **12.9K** following on social ### Geancarlo Carmona Co-Founder | Licensed Insurance Professional Geancarlo built his first business in fitness, where results are measurable, excuses are obvious and the only thing that compounds is what you do when nobody is watching. He brought the same standard into financial services. **Design** policy structure and funding **Leadership** agency and team development **Licensed** financial professional The opportunity ## Or come build an agency of your own. Most of the people on this team did not come from finance. They came from healthcare, fitness, teaching, hospitality, the military and commissioned sales. What they had in common was that they were coachable and they finished what they started. You get licensed, you get trained by leaders who still write business every week, and you build your own business as an independent professional with access to multiple carriers. Most people start part time. Nobody is asked to quit on faith. ### Independent, with access to multiple carriers Access to products from multiple insurance carriers rather than a single captive shelf, so you can recommend what fits the client in front of you. ### A unified tech stack Quoting, CRM, illustrations, client onboarding and AI-assisted prospecting in one place, rather than six logins you assemble yourself. ### Build your own business Develop your own client base and your own team, and create long-term opportunity through production and leadership. Eligibility and terms are set by the contractual program in force at the time. ### Leadership still in the field Your mentors write business every week. You are not being coached by someone who stopped selling in a different decade. Proof ## What people say about working with us Three situations we see constantly: a household with accounts nobody has looked at together, a retiree who was never shown the parts of a contract that were not in their favor, and a career changer with no finance background. > I came in with three retirement accounts I had not looked at in years and a policy I did not understand. Zeena laid all of it on one page and showed me what each piece was actually doing. She talked me out of one thing I thought I wanted. That is when I knew. *Marcos R. Business owner · Hayward, CA* > Geancarlo went through the annuity contract with me line by line, including the surrender schedule and the cap. Nobody had ever shown me the parts that were not in my favor. I signed because I finally understood it. *Darnell W. Retired · Fremont, CA* > I came from healthcare with no finance background. They handled the licensing step properly and then sat in my first appointments until I stopped needing them there. Ninety days in I was running my own. *Alicia T. Licensed professional · Bay Area, CA* Illustrative examples showing how client and team reviews will appear. These are not client reviews. Real ones take their place as they are collected. Questions ## The things people ask before they call ### What does an independent insurance agency do? An independent insurance agency helps you work out what you need, compares options from multiple insurance carriers, and handles the application and service work afterward. Independent means we are not tied to one company shelf of products. Celestial Wealth Solutions is based in Fremont, California and works with families, retirees and business owners across the eight states where we are licensed to do business. ### What is the difference between a captive agent and an independent agency? A captive agent represents one insurance company and can only offer what that company sells. An independent agency has access to products from multiple carriers and can compare them side by side. The practical difference is choice: when one carrier prices a case badly or declines it, an independent agency has somewhere else to go. Neither model is dishonest, but the range of options is not the same. ### How do insurance agents get paid? Insurance carriers pay a commission on policies placed with them, typically a percentage of the premium, with a smaller ongoing amount in later years for servicing the policy. You do not write a separate check to us. Commission varies by product and by carrier. If you want to know how we are compensated on a specific recommendation, ask during the meeting and you will get a straight answer. ### Do you charge fees for your services? No. There is no fee for the first meeting, the written summary, or the work of placing coverage. We do not charge planning, consultation or retainer fees. Carriers compensate us on business placed. If a particular contract ever carried a fee charged by the carrier itself, that appears in the contract and we will point it out before you sign anything. ### What is an annuity? An annuity is a contract between you and an insurance company. You place money with the carrier, and in return the carrier agrees to credit interest, protect principal, pay you an income, or some combination, according to the terms written in the contract. Annuities come in several types with very different risk profiles. The guarantees inside any annuity are backed by the claims paying ability of the issuing insurance company. ### What is a fixed annuity? A fixed annuity credits a rate of interest declared by the insurance company for a stated period. Your principal is not exposed to market losses, and you know the crediting terms before you sign. A multi year guaranteed annuity, often called a MYGA, is the version that locks the declared rate for the full term. Rates change frequently and vary by carrier, so any figure we show you comes straight from the carrier. ### What is a fixed indexed annuity? A fixed indexed annuity is an insurance contract whose interest credits are tied to the performance of a market index, with a floor that protects your principal from index losses. You are not invested in the index and you do not own shares. In exchange for that protection, the upside is limited by contract features such as caps, participation rates, or spreads. Those limits vary by carrier and can change over time. ## Book the first conversation. It costs nothing and sells nothing. Thirty minutes on your income, your obligations, your timeline and what you are actually worried about. No products. No application. You leave with a clearer picture either way. --- Celestial Wealth Solutions, an independent financial services agency in Fremont, California. Retirement 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, Contact@CelestialWealthSolutions.com. Monday to Saturday, 9am to 6pm PT. Other times by appointment. Important disclosures: Celestial Wealth Solutions 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)