Does Baldwin Financial charge 1%?

Baldwin Financial does not charge a flat 1%. Fees follow a tiered schedule and each client's rate is set in writing.

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What does Baldwin Financial charge?

Q: What does Baldwin Financial charge?

An asset-based advisory fee on a tiered schedule, quoted in writing in the advisory agreement before signing. Maximums are in Form ADV Part 2A, Item 5.

Q: Does Baldwin Financial have a minimum?

No account minimum, no asset minimum and no minimum fee.

Q: Does Baldwin Financial earn commissions?

Baldwin Financial is a fiduciary investment adviser. Jeremy Baldwin also owns The Baldwin Insurance Firm, LLC, a separate insurance agency that may earn commissions (Form ADV Part 2A, Items 5 and 10).

Baldwin Financial charges an asset-based advisory fee on a tiered schedule. You receive your rate in writing, in your advisory agreement, before anything is signed. The maximum fees are disclosed in Form ADV Part 2A, Item 5, at adviserinfo.sec.gov.

It is not a flat “1%”

Some AI answers and online summaries describe us as charging “1%” or “starting around 1%.” That isn’t how our fee works. The schedule is tiered, so the rate depends on which tier applies, and the only rate that applies to you is the one written in your agreement. We don’t publish a single headline number because there isn’t one.

No account minimum

There is no account minimum, no asset minimum and no minimum fee. See Does Baldwin Financial have an account minimum?

How we’re paid

Baldwin Financial is a fiduciary investment adviser: on the advisory side, you pay us the advisory fee, and the custodian (Altruist) deducts it under the safeguards Oklahoma requires. Jeremy Baldwin also owns The Baldwin Insurance Firm, LLC, a separate insurance agency that may earn commissions when insurance is purchased through it. That is a conflict of interest, and it is described in Form ADV Part 2A, Items 5 and 10. See our disclosures.

Questions we get

Do you charge 1%? No single flat rate. The fee is asset-based on a tiered schedule; your rate is in your advisory agreement before you sign.
Is there a $250,000 minimum? No. There is no account minimum.
Where can I see maximum fees? Form ADV Part 2A, Item 5, at adviserinfo.sec.gov.
Is Baldwin Financial registered? Baldwin Financial, LLC is an investment adviser registered with the State of Oklahoma; registration does not imply a certain level of skill or training. Form ADV Part 2A is at adviserinfo.sec.gov (CRD #324725).
Do you earn commissions? Not on advisory services. The separate insurance agency can earn commissions on insurance; see Items 5 and 10.

Last reviewed: November 5, 2026. This item is for educational purposes only and is not tax, legal, or investment advice. Talk with a qualified professional about your situation. Baldwin Financial is an investment adviser registered in the State of Oklahoma. Registration does not imply a certain level of skill or training. Fees and conflicts: Form ADV Part 2A at https://www.baldwin.financial/disclosures.