Harold L. Carmean

CWM ADVISORY

Ocean Pines, MD 21811

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CRD#: 3201337

Professional summary

Harold Lynn Carmean II, who also goes by Harold Carmean, is a registered financial advisor currently at CWM ADVISORY, LLC located in Ocean Pines, Maryland.

Harold is registered as an IAR (Investment Advisor Representative) and started their career in finance in 1999. Harold has worked at 8 firms and has passed the Series 65, Series 63, SIE, Series 7 and Series 6 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

Harold Carmean

Other business activities

Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.

1. Harold Lynn Carmean is President of CREATIVE WEALTH MANAGEMENT, LLC/OWNER - This entity is used for payroll and receiving income generated from insurance products and services delivered by Harold Lynn Carmean in his role as an independent licensed insurance agent- 11202 RACETRACK RD, STE 102 OCEAN PINES, MD 21811; CREATIVE WEALTH MANAGEMENT, LLC - FIXED INSURANCE SALES; REAL ESTATE RENTAL - OWN & MANAGER 1 RESIDENTAL RENTAL PROPERTY. 2. 3of7Project; Instructor; Investment related: No; PO Box 301 Argon Georgia 30104 USA; 3of7Project is a training company focused on developing individuals mentally, spiritually, and physically. Duties: Instructor at live experiences/events 6-7 times per year; 2023-03-07; Hours per month devoted to business during trading hours: 0; Hours per month devoted to business outside trading hours: 10; Percentage of total yearly compensation expected to be derived from the business: .1;

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Harold Lynn Carmean II's CRS (Customer Relationship Summary).

Certified licenses

Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®

None

Experience

Current

April 26, 2019 - Present

CWM ADVISORY, LLC

Office #1: 11202 Racetrack Road, Ste 102, Ocean Pines, MD 21811

RIA

CRD#: 299923

Ocean Pines, MD

Past

August 1, 2016 - July 1, 2019

SCF INVESTMENT ADVISORS, INC.

RIA

CRD#: 123608

Ocean Pines, MD

Past

August 1, 2016 - July 1, 2019

SCF SECURITIES, INC.

CRD#: 47275

OCEAN PINES, MD

Past

March 18, 2011 - August 1, 2016

WFG ADVISORS, LP

RIA

CRD#: 125073

OCEAN PINES, MD

Past

March 18, 2011 - August 1, 2016

WFG INVESTMENTS, INC.

CRD#: 22704

OCEAN PINES, MD

Past

February 26, 2001 - March 18, 2011

EQUITY SERVICES, INC.

RIA

CRD#: 265

LEWES, DE

Past

January 26, 2001 - March 18, 2011

EQUITY SERVICES, INC.

CRD#: 265

LEWES, DE

Past

April 1, 1999 - January 5, 2000

THE EQUITABLE LIFE ASSURANCE SOCIETY OF THE UNITED STATES

CRD#: 4039

NEW YORK, NY

Past

April 1, 1999 - November 30, 2000

EQUITABLE ADVISORS, LLC

CRD#: 6627

NEW YORK, NY

State Registrations and Notice Filings

Listed states reflect where the advisor is authorized to serve clients under state regulations.

IAR

means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.

Highlighted states indicate IAR registrations

IAR

Delaware
(5/6/2019)

IAR

Maryland
(4/29/2019)

IAR

Pennsylvania
(5/13/2019)

IAR

Texas
(4/26/2019)

IAR

Virginia
(9/22/2021)

Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state.

Exams

State Security Law Exam

IAR

Series 65

Date: 11/9/1999

Uniform Investment Adviser Law Examination

State Security Law Exam

Series 63

Date: 4/7/1999

Uniform Securities Agent State Law Examination

General Industry/Product Exam

SIE

Date: 10/1/2018

Securities Industry Essentials Examination

General Industry/Product Exam

Series 7

Date: 10/13/1999

General Securities Representative Examination

General Industry/Product Exam

Series 6

Date: 3/31/1999

Investment Company Products/Variable Contracts Representative Examination

Current Firm

CWM ADVISORY, LLC

CRD#: 299923 / SEC#:

Delaware

Registered Investment Advisory firm - (5/6/2019 Approved)

Maryland

Registered Investment Advisory firm - (4/29/2019 Approved)

Pennsylvania

Registered Investment Advisory firm - (5/13/2019 Approved)

Texas

Registered Investment Advisory firm - (1/2/2019 Conditional Restricted)

Virginia

Registered Investment Advisory firm - (9/21/2021 Approved)

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Contact information

Main Address

11202 Racetrack Road, Ste 102, Ocean Pines, MD 21811

Mailing Address

Phone number

(410) 208-1091

Established

Firm type

Fiscal year end

# of Employees

Documents

Latest Form ADV

Regulatory assets under management

Total Number of Accounts	509
AUM (Assets Under Management)	$ 85,058,648

Red Flags

Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities.

Check for any disclosures as part of your thorough research when choosing an advisor.

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Firm Stability Insights

Harold L. Carmean

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Harold Lynn Carmean II's CRS (Customer Relationship Summary).

Certified licenses

Experience

SCF INVESTMENT ADVISORS, INC.

SCF SECURITIES, INC.

WFG ADVISORS, LP

WFG INVESTMENTS, INC.

EQUITY SERVICES, INC.

EQUITY SERVICES, INC.

THE EQUITABLE LIFE ASSURANCE SOCIETY OF THE UNITED STATES

EQUITABLE ADVISORS, LLC

State Registrations and Notice Filings

Exams

Series 65

Date: 11/9/1999

Series 63

Date: 4/7/1999

SIE

Date: 10/1/2018

Series 7

Date: 10/13/1999

Series 6

Date: 3/31/1999

Current Firm

CWM ADVISORY, LLC

Contact information

Documents

Regulatory assets under management

Red Flags

Company Information

CWM ADVISORY, LLC

TRUST BUT VERIFY

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