is vice president and director of Baldwin Financial Systems, Inc. (BFS), an Illinois registered investment advisory firm. He is a registered representative offering securities through Waterstone Financial Group, member NASD and SIPC. He is also a founder of Responsive Financial Group, Inc., an Illinois corporation and an SEC registered investment advisory firm providing financial planning and investment advisory services to individuals, closely held businesses, trust, and associations. Mr. Baldwin is a consultant to TIAA-Cref ® Life Insurance for the structure, development, implementation and training of "Intelligent Life," a true no commission variable universal life insurance policy developed for use by "fee only" investment advisors, family offices, trust departments, and individuals who may be fiduciaries.
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