Ben G. Baldwin, CLU, ChFC, CFP, is president and owner of Baldwin Financial Systems, a registered advisory firm serving both individual and corporate clients. The winner of numerous sales awards throughout his career and a former member of the Board of Governors for the Certified Financial Planner Board of Standards, he has consulted for major insurance companies including New York Life, Transamerica, Prudential, CNA, AIG, ING, AXA, and Equitable. Along with the first edition of "The New Life Insurance Investment Advisor", Baldwin also wrote "The Complete Book of Insurance "and "The Lawyer's Guide to Insurance".