CWM Advisory, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$100,973,620
Clients
243
Advisors
3
of 6 employees
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
11202 Racetrack Road, Ste 102
Ocean Pines MD 21811
Advisors at this office
3
Most active in
Delaware · Florida · Maryland · Pennsylvania · Texas · Virginia
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:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Quick links
Advisors at this firm
Harold C
Series 63, Series 65
Ocean Pines, MD
CWM Advisory, LLC
Harold Carmean II is a financial advisor with CWM Advisory, LLC and holds Series 63 and Series 65 licenses. He has 27 years of industry experience, including roles at SCF Investment Advisors, SCF Securities, Creative Wealth Management, and National Life of Vermont. Outside of his advisory work, he is an instructor for 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 employs SEI-managed investment strategies based on modern portfolio theory and offers concierge and multi-generational planning services, coordinating closely with third-party subadvisers for portfolio management and tax considerations.
Tristan J
CFP®, Series 65
Ocean Pines, MD
CWM Advisory, LLC
Tristan Jacobi is a CFP® with eight years of industry experience, currently serving as a financial advisor at CWM Advisory, LLC. He has previously worked at SCF Investment Advisors, Inc., and is a licensed independent insurance agent. Jacobi is also a partner in Creative Wealth Management, LLC, where he manages income from insurance services. 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 goal-based planning and uses SEI-managed strategies for investment management, offering concierge services including multi-generational planning.
Jordan T
CFP®, Series 65
Ocean Pines, MD
CWM Advisory, LLC
Jordan Talbert is a CFP® and holds a Series 65 license with two years of industry experience. He is currently with CWM Advisory, LLC and previously worked at Creative Wealth Management. Outside of financial advising, he is a licensed insurance agent authorized to sell life, health, and fixed annuities. 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 directs investment management to third-party advisers using SEI-managed strategies based on modern portfolio theory and long-term approaches, offering concierge and multi-generational planning services.
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