Harold "Hal" L. Carmean II

President / Partner

Harold "Hal" L. Carmean II is the President and owner of Creative Wealth Management, LLC. He specializes in helping individuals and business owners avoid common financial mistakes while creating a financial model for near and long-term success. Hal has over 20 years of experience in holistic financial services, and he is also a Certified Kingdom Advisor. Hal is a frequent guest lecturer at the Salisbury University Perdue School of Business where he is active in providing internships for college students looking to gain experience. Hal also is insurance licensed and specializes in life insurance, long-term care, and estate planning.

Hal grew up on the Eastern Shore where he lives today. He regularly mentors students in the local school district and takes an active role in his local church. Hal's wife Mandi is a 2nd grade elementary school teacher and enjoys her experiences helping children grow. Hal’s entire family is very involved in local and regional philanthropic activity, and they enjoy seeing people develop into leaders. They have a young son, Landon, and a daughter, Adalee Elizabeth, who are their pride and joy. Both Hal and Mandi are avid sports fans and often spend their free time engaged in multiple outdoor activities.