Disclosures.

Regulatory status

Baldwin Financial, LLC is an investment adviser registered with the State of Oklahoma. Registration as an investment adviser does not imply any certain level of skill or training. Baldwin Financial, LLC may only transact business in states in which it is registered, or in which it qualifies for an exemption or exclusion from registration.

Our Form ADV Part 1, Form ADV Part 2A brochure, and Form ADV Part 2B brochure supplement are publicly available on the Investment Adviser Public Disclosure website at adviserinfo.sec.gov under CRD #324725. We encourage you to read them before engaging the firm. A copy will be provided at no charge on request.

No investment, tax, or legal advice

The content of this website is provided for general informational and educational purposes only. Nothing on this site constitutes personalized investment advice, a recommendation to buy or sell any security, an offer or solicitation of an offer to buy or sell any security, or an offer of advisory services in any jurisdiction where such an offer would be unlawful.

Baldwin Financial, LLC does not practice law and does not prepare legal documents. Estate planning services described on this site consist of planning, analysis, and coordination performed alongside your own licensed attorney, who is responsible for drafting and executing legal instruments.

Baldwin Financial, LLC does not prepare tax returns. Tax planning services described on this site consist of forward-looking analysis and coordination performed alongside your own certified public accountant or tax preparer, who remains responsible for your filings.

Our planning approach is not a guarantee

Descriptions on this site of anticipatory or proactive planning, including reviewing tax opportunities before year-end, planning distributions in advance, revisiting estate coordination after life events, or examining plan and policy decisions before renewal dates, describe how the firm approaches its work. They are not a guarantee that every opportunity, deadline, risk, or issue will be identified, nor a promise of any particular result.

Advisory services begin only after a written advisory agreement has been executed. An introductory conversation, a message sent through this website, or a scheduled meeting does not by itself establish an advisory relationship.

Roles and responsibilities

Baldwin Financial, LLC is founder-led, and clients work directly with their adviser. This does not mean that any one individual personally performs every administrative, custodial, legal, tax, insurance, or technical function associated with a client relationship. Custody is maintained by an unaffiliated qualified custodian; legal drafting is performed by your attorney; tax preparation is performed by your tax professional; and certain administrative and technology functions are supported by unaffiliated service providers.

Conflicts of interest we want you to know about

Jeremy D. Baldwin separately owns The Baldwin Insurance Firm, LLC, an independent insurance agency. Through that separate business he may provide insurance and benefits brokerage services and may receive customary commissions or other insurance-related compensation when acting in that non-advisory capacity. This is a conflict of interest, because there is a financial incentive attached to an insurance recommendation that does not exist for advisory advice.

We address it three ways. We tell you which capacity we are acting in at the time. No advisory client is ever required to buy insurance through that business. And you are always free to use any provider you choose. This conflict is disclosed in full at Item 10 of our Form ADV Part 2A.

Our primary custodian is Altruist Financial, LLC, an unaffiliated qualified custodian and member FINRA/SIPC. Depending on the account type and what is held in it, client assets may be maintained at other qualified custodians. Every custodian the firm works with is named at Item 12 of our Form ADV Part 2A.

Our recommended custodians make institutional trading, custody, research and reporting services available to us at no charge. That benefits the firm, because we do not have to buy those services ourselves, and it is therefore a potential conflict in how we recommend a custodian. We believe our recommendations are in clients' interests on the merits of scope, quality and price, and Item 12 of our Form ADV Part 2A sets this out in detail.

Disciplinary history

Baldwin Financial, LLC and Jeremy D. Baldwin have regulatory matters that are disclosed in full at Item 9 of our Form ADV Part 2A, and on the public record at adviserinfo.sec.gov under CRD #324725 and on FINRA BrokerCheck. We would rather you read them there, in full and in context, than take a summary from us. A copy of the brochure is provided at no charge on request.

Investment risk

All investing involves risk, including the potential loss of principal. There is no guarantee that any investment strategy, allocation, or plan will achieve its objectives. Diversification and asset allocation do not ensure a profit or protect against loss in a declining market. Past performance is not indicative of, and is no guarantee of, future results.

Any projections, forecasts, or hypothetical illustrations discussed with clients rest on assumptions that may not prove accurate and are provided for planning purposes only. Actual results will differ.

Third-party services and links

This website references unaffiliated third-party technology and service providers, including our custodian and our scheduling provider, and may link to their websites. Those references describe the tools the firm uses in its operations. They are not endorsements, testimonials, or recommendations, and no compensation is paid to Baldwin Financial, LLC for naming them. Baldwin Financial, LLC does not control and is not responsible for the content, privacy practices, or security of any third-party site.

No testimonials or endorsements

This website does not contain client testimonials, endorsements, or third-party ratings. Any such material, if published in future, would be accompanied by the disclosures required under applicable rules.

Electronic communication

Email and web forms are not secure channels. Please do not transmit account numbers, Social Security numbers, dates of birth, passwords, or other sensitive personal information through this website or by unencrypted email. Requests to transfer funds or change account instructions will not be accepted by email alone and will be verified by voice.

Contact

Questions about these disclosures may be directed to hello@baldwin.financial or (405) 266-7856.

This page is a general disclosure summary prepared for the firm’s website. It does not replace the firm’s Form ADV, advisory agreement, or written supervisory procedures, and should be reviewed by the firm’s compliance counsel before publication.