CWM Advisory, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$100,973,620
Total clients
243
14% high-net worth
Total advisors
3
of 6 employees
Firm size
Supported
1-3 advisors or $200M+ in AUM
Average clients per advisor
81
Average account size
$415,529
About
CWM Advisory, LLC provides advisory and planning services primarily to individual and high‑net‑worth clients as well as to pension and other employee benefit plans. The firm offers financial planning, concierge services (including multi‑generational planning), and directs investment management to third‑party advisers and plan fiduciaries rather than executing securities trades in‑house.
The firm’s investment process centers on identifying client goals and risk tolerance and then placing clients into SEI‑managed strategies that apply modern portfolio theory and long‑term investment approaches. CWM monitors and reviews accounts quarterly, coordinates with the subadviser on portfolio construction and tax management, and does not trade client accounts itself or maintain custody of client assets.
Noteworthy aspects include a menu of ongoing “My Advisor” concierge and multi‑generation planning packages, use of third‑party estate‑planning tools (EncorEstate) for document preparation referrals, and a business model that earns advisory compensation on top of SEI’s fees. The brochure also discloses ancillary activities — limited insurance sales by representatives and an arrangement to solicit clients for another adviser — which the firm says it discloses to clients to address potential conflicts of interest.
Client services
Expertise
Occupation focus
Fee options
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
Main office location
CWM Advisory, LLC
11202 Racetrack Road, Ste 102
Ocean Pines MD 21811, United States
Number of offices
1
Most active in
Maryland
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
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.
Quick links
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")