Ffg Retirement Counseling

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Client assets under management

$216,470,615

Clients

156

51% high-net worth

Advisors

of 5 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

High

Average account size

$1,387,632

About

FFG Retirement Counseling provides wealth management and financial planning to individuals, high‑net‑worth clients, trusts, and estates, and offers discretionary portfolio management and retirement‑account advice as a fiduciary under ERISA/IRC rules. The firm reports managing approximately $216,470,615 in discretionary assets across about 156 client relationships and primarily charges percentage‑of‑AUM fees.

The firm’s investment approach is primarily long‑term and typically emphasizes low‑cost, diversified mutual funds and ETFs while using individual stocks or bonds when needed; it employs fundamental, technical, and cyclical analysis and may rebalance or trade more actively for tax‑loss/gain harvesting or to meet client cash needs. FFG also uses trademarked, time‑horizon models (Secure Lifetime Investment Model “SLIM” and “Survive & Thrive” from Trailhead Systems) to organize assets into buckets and to set systematic reallocation and gain‑harvest parameters.

One of the firm’s uncommon features is that it sponsors a wrap fee program that bundles securities transaction costs into its asset‑based advisory fee, which the brochure notes can affect trading economics and create incentives to limit turnover or favor securities without transaction charges. The brochure also discloses an institutional custodial relationship (Charles Schwab) and the resulting economic benefits and potential conflicts tied to custody and execution recommendations.

Client services

Financial planning Portfolio management

Expertise

General retirement planning Income planning Retirement withdrawal strategies

Fee options

Fixed

Standalone financial planning services with fixed annual fees up to $10,000

Percentage

$0 - $499,999: 1.30% $500,000 - $999,999: 1.05% $1,000,000 - $1,999,999: 0.85% $2,000,000+: 0.75%

Other

Account minimum: $500,000 (minimum relationship size, may be waived at Advisor's discretion) Fee-only: Wealth management fees based on tiered AUM schedule; Financial planning offered as fixed fees up to $10,000

Main office location

Ffg Retirement Counseling

5975 South Quebec Street, Suite 130

Centennial CO 80111, United States

Number of offices

Most active in

Arizona · Colorado

Disclosures

Business activities & affiliations

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

LinkedIn Facebook X Website (303) 327-8100

Advisors at this firm

Blake B

CFP®, Series 63

Centennial, CO

Ffg Retirement Counseling

Blake Barnett is a CFP® with 16 years of industry experience, currently serving at FFG Retirement Counseling in Centennial, CO. His prior experience includes roles at Calton & Associates, Smart Money Group, and VSR Advisory Services. Outside of financial advising, he is a partner in a roofing and water mitigation contracting business. FFG Retirement Counseling provides wealth management and financial planning services to individuals, high-net-worth clients, trusts, and estates. The firm offers discretionary portfolio management and retirement-account advice, employing a primarily long-term investment approach focused on low-cost, diversified mutual funds and ETFs, supplemented by individual securities and systematic reallocation models.

General retirement planning Income planning Retirement withdrawal strategies

Sean O

CFP®, Series 63

Centennial, CO

Ffg Retirement Counseling

Sean O'Reilly is a CFP® with 26 years of industry experience, currently serving as an advisor at FFG Retirement Counseling. He has held roles at several firms including Calton & Associates, Smart Money Group, and Vessel Consultants. Outside of his advisory work, he is a partner and Chief Operating Officer at Gormagus, LLC dba Trailhead Systems, where he oversees product development for financial advisor support systems. FFG Retirement Counseling provides wealth management and financial planning services to individuals, high-net-worth clients, trusts, and estates. The firm emphasizes a long-term investment approach using diversified mutual funds and ETFs, supplemented by fundamental, technical, and cyclical analysis, and employs proprietary time-horizon models to manage asset allocation and tax strategies.

General retirement planning Income planning Retirement withdrawal strategies

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