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Harold Lynn Carmean

Cwm Advisory, LLC

Punta Gorda, FL

Ocean Pines, MD

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Current Employers
Cwm Advisory, Llc

11202 Racetrack Road, Ste 102, Ocean Pines, MD 21811 • United States

Current Registrations

AuthorityCategoryStatusDate
FL RA APPROVED 2026-06-09
MD RA APPROVED 2025-02-24
DE RA APPROVED 2019-05-06
TX RA APPROVED 2019-04-26
  • FL RA
    APPROVED
    Since 2026-06-09
  • MD RA
    APPROVED
    Since 2025-02-24
  • DE RA
    APPROVED
    Since 2019-05-06
  • TX RA
    APPROVED
    Since 2019-04-26

Branch Locations

1203 W Marion Avenue Building 3, Suite A, Punta Gorda, FL 33950 • United States

11202 Racetrack Road, Ste 102, Ocean Pines, MD 21811 • United States

Disclosures

No disclosure categories reported as “Yes” on this SEC record.

  • Regulatory action No
  • Criminal No
  • Bankruptcy No
  • Civil judicial No
  • Bond No
  • Judgment / lien No
  • Investigation No
  • Customer complaint No
  • Termination No
Employment History
OrganizationCityStateFromTo
National Life Of Vermont Montpelier VT 12/2000 05/2019
Scf Securities, Inc. Fresno CA 08/2016 06/2019
Scf Investment Advisors, Inc. Fresno CA 08/2016 06/2019
Creative Wealth Management, Llc Ocean Pines MD 02/2011 Present
Cwm Advisory, Llc Ocean Pines MD 04/2019 Present
  • 12/2000 → 05/2019
    National Life Of Vermont
    Montpelier, VT
  • 08/2016 → 06/2019
    Scf Securities, Inc.
    Fresno, CA
  • 08/2016 → 06/2019
    Scf Investment Advisors, Inc.
    Fresno, CA
  • 02/2011 → Present
    Creative Wealth Management, Llc
    Ocean Pines, MD
  • 04/2019 → Present
    Ocean Pines, MD
Previous Registrations
  • 2016-08-01 → 2019-07-01
    Scf Investment Advisors, Inc.
    Ocean Pines, MD
    San Diego, CA
  • 2011-03-18 → 2016-08-01
    Wfg Advisors, Lp
    Ocean Pines, MD
  • 2001-02-26 → 2011-03-18
    Christiana, DE
    Berlin, MD
    Lewes, DE
    Lewes, DE
    Havre De Grace, MD
Other Businesses

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;

Exams
CodeExamDate
S65 Uniform Investment Adviser Law Examination 1999-11-09
S63 Uniform Securities Agent State Law Examination 1999-04-07
  • S65 Uniform Investment Adviser Law Examination
    1999-11-09
  • S63 Uniform Securities Agent State Law Examination
    1999-04-07
Other Names
  • Harold Carmean

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