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.

Meet The Rest of Our Team

Laura Balback

Chief Compliance Officer/Partner

Laura has one of the most important roles at our firm. She is responsible for overseeing and ensuring compliance with laws, regulatory requirements, policies, and procedures. See Full Bio

Tristan Jacobi

Financial Advisor

Tristan graduated from Slippery Rock University of Pennsylvania in December of 2017 with a degree in Finance. Following graduation, Tristan was able to begin gaining experience in the financial industry right out of downtown Pittsburgh. See Full Bio

Ciara Jacobi

Integrated Marketing Director

Ciara focuses on crafting effective and consistent communications for Creative Wealth Management. She maintains online and offline presence by creating graphics for print and web, managing social media, and overseeing brand touchpoints. See Full Bio

Carol Verdis

Administrative Assistant

Carol grew up in New York and moved to Delaware in 2018. She graduated from the State University of New York at New Paltz and worked as an office manager in a law firm for over 20 years. See Full Bio