Baldwin Financial, LLC

Baldwin Financial serves entrepreneurs, professionals, and legacy builders — primarily individuals, families, trusts, and retirement accounts — providing personalized investment management, financial planning, and retirement planning. The firm tailors advice to each client's goals, risk tolerance, and time horizon and allows clients to impose reasonable restrictions on account holdings.

The firm follows a long-term, goals-based investment philosophy that combines fundamental, technical, and macroeconomic analysis to construct diversified portfolios of ETFs, mutual funds, individual equities, and fixed income securities. Baldwin Financial manages both discretionary and non-discretionary assets, including retirement-plan assets administered on behalf of plan sponsors at third‑party custodians, and uses third‑party planning software and AI-assisted tools (e.g., Hazel.ai) with human review for financial planning work.

Noteworthy distinctions include an affiliation with an independent insurance agency owned by the firm's principal, which the firm discloses as a potential conflict and addresses through client disclosures and choice of provider; the firm also supports digital-asset custody through approved custodians and recommends custodians such as Altruist and Interactive Brokers. The firm has disclosed prior regulatory matters (including a FINRA Acceptance, Waiver and Consent and an Oklahoma Department of Securities Final Order) and has implemented expanded compliance controls and is subject to a requirement to retain an independent Chief Compliance Officer.