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Celestial Wealth Solutions LLC provides financial education and insurance services and is not a registered investment adviser. This website, the calculator and the membership are for educational purposes only and are not financial, tax, legal or investment advice. Calculator results are hypothetical, are not guaranteed and do not include cost of insurance or policy charges; only a carrier-approved illustration shows actual costs. Indexed universal life is life insurance with a death benefit; it is not an investment or a bank account. Guarantees are backed by the claims-paying ability of the issuing insurance company. Policy loans and withdrawals reduce cash value and death benefits, loan interest accrues, and a lapsed policy with a loan outstanding can create taxable income. Caps and participation rates are set by the carrier and can change. Past performance does not indicate future results. Zeena Yasin Carmona and Geancarlo Carmona are licensed insurance producers (National Producer Number 15874950), currently licensed in California, Arkansas, Hawaii, Delaware, Missouri, Indiana, Virginia and Texas. This website is not an offer or solicitation of insurance in any state where they are not licensed.

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