# Our Team | Celestial Wealth Agency > The licensed professionals at Celestial Wealth Agency in Fremont, California. Direct lines and appointment booking for every member of the team. Canonical page: https://celestialwealthsolutions.com/team The team # Two principals, and the bench behind them Every appointment at this agency is run by a licensed professional who has sat in the training and done the joint field work. Below is who you reach, and the direct line for each of them. Who you will be working with ## Ask for someone by name You are not routed to whoever picks up. You are matched to a licensed professional and that person stays on your file. Co-Founder and Executive Marketing Director ### [Zeena Yasin Carmona](https://celestialwealthsolutions.com/about#zeena-carmona) Field organization, licensing and training Co-Founder and Agency Owner ### [Geancarlo Carmona](https://celestialwealthsolutions.com/about#geancarlo-carmona) Policy design and leadership development Licensed professional Reserved ### Team member 3 Retirement income strategy Licensed professional Reserved ### Team member 4 Annuity design and review Licensed professional Reserved ### Team member 5 Life insurance and IUL design Licensed professional Reserved ### Team member 6 Business owner planning Licensed professional Reserved ### Team member 7 Investment and rollover review Licensed professional Reserved ### Team member 8 Financial education and workshops Licensed professional Reserved ### Team member 9 New agent licensing support Licensed professional Reserved ### Team member 10 Field training and mentorship Licensed professional Reserved ### Team member 11 Client service and onboarding Licensed professional Reserved ### Team member 12 Policy review and in-force audits Licensed professional Reserved ### Team member 13 Employer and association sessions Licensed professional Reserved ### Team member 14 Bay Area appointments Licensed professional Reserved ### Team member 15 Agency development How we work ## One conversation, then a written plan The first meeting has no application in it. Whoever you speak with first is the person who prepares the plan and the person who reviews it with you afterwards. ### 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. ## Want a seat on this page? We license and train people who have never worked in financial services. If you want your name and your own line on this roster, start with a conversation. --- 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)