Advisor at CWM Advisory, LLC
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Firm
CWM Advisory, LLC
Location
Ocean Pines, MD 21811
Credentials
Series 63, Series 65
Industry experience
26 years
Harold Carmean is a financial advisor at CWM Advisory, LLC with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at SCF Investment Advisors, SCF Securities, WFG Investments, and National Life of Vermont. Outside of his advisory role, he is an instructor for the 3of7Project, a training company focused on mental, spiritual, and physical development. CWM Advisory, LLC provides advisory and planning services primarily to individual and high-net-worth clients as well as pension and employee benefit plans. The firm emphasizes client goal identification and risk tolerance to place clients into SEI-managed strategies using modern portfolio theory and long-term investment approaches, while offering concierge and multi-generation planning services.
Based on CWM Advisory, LLC
Based on CWM Advisory, LLC
Fixed financial planning fees are negotiable based on the project; fees associated with estate planning vary depending on requested services.
$0 - $2,000,000: 1.00% $2,000,001 - $4,000,000: 0.75% $4,000,001+: 0.50%
Representatives receive commissions from sale of insurance products outside advisory services.
My Advisor – $175/month; My Advisor and CFO – $300-$500/month; My Family Advisor and CFO – $1,350/month; My CFO – negotiated rate based on project
Account minimum: $250,000
11202 Racetrack Road, Ste 102
Ocean Pines, MD 21811
Delaware · Maryland · Pennsylvania · Texas · Virginia
CWM Advisory, LLC
2019 - Present (7 years)
SCF Investment Advisors, INC.
2016 - 2019 (3 years)
SCF Securities, INC.
2016 - 2019 (3 years)
Creative Wealth Management, LLC
2011 - Present (15 years)
WFG Investments
2011 - 2016 (5 years)
National LIfe of Vermont
2000 - 2019 (19 years)
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Is not active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Bank
They're affiliated with a bank that may offer its own financial products and services.
Trust company
They provide trust and estate administration services, typically for separate fees.
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Lawyer
They provide legal services, typically billed separately.
Real estate agent
They facilitate real estate transactions and may earn commissions.
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
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