FFG Retirement Counseling
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
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
Expertise
Fee options
Standalone financial planning services with fixed annual fees up to $10,000
$0 - $499,999: 1.30% $500,000 - $999,999: 1.05% $1,000,000 - $1,999,999: 0.85% $2,000,000+: 0.75%
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
5975 South Quebec Street, Suite 130
Centennial CO 80111
Advisors at this office
2
Most active in
Arizona · Colorado
Also doing business as
Ffg Retirement Advisors LLC · Ffg Retirement Counseling · Ffg Retirement, Inc.
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Quick links
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. He has worked at the firm and its related entities since 2018, with prior roles at Calton & Associates, Inc. and Smart Money Group, LLC. 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 to individuals, high-net-worth clients, trusts, and estates, offering discretionary portfolio management and retirement-account advice under ERISA/IRC fiduciary rules. The firm employs a primarily long-term investment approach emphasizing low-cost, diversified mutual funds and ETFs, supplemented by individual securities when appropriate, and uses trademarked models to organize assets and manage systematic reallocation and tax strategies.
Sean O
CFP®, Series 63
Centennial, CO
FFG Retirement Counseling
Sean O’Reilly is a CFP® with 27 years of experience in financial advising. He currently serves at FFG Retirement Counseling, where he has worked since 2020. Prior to this, he held roles at Calton & Associates, Smart Money Group, and Vessel Consultants, among others. Outside of advising, he is a partner and Chief Operating Officer at Gormagus, LLC dba Trailhead Systems, which develops processes and systems for financial advisors. FFG Retirement Counseling offers wealth management and financial planning for individuals, high-net-worth clients, trusts, and estates, providing discretionary portfolio management and retirement-account advice under fiduciary standards. The firm emphasizes a primarily long-term investment approach using diversified mutual funds and ETFs, supplemented by individual securities as needed, supported by proprietary time-horizon models to manage asset allocation and systematic rebalancing.
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