# FFG Retirement Counseling

> FFG Retirement Counseling is an SEC-registered investment advisory firm in Centennial, CO, registered since 2020, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated February 11, 2026.

- CRD: 308305
- Filed as: FFG RETIREMENT COUNSELING
- Legal name: FFG Retirement Advisors LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Centennial, CO
- Filing period: October 2026
- Form ADV filing dated: February 11, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/308305
- AdvisorCensus page: https://advisorcensus.com/firm/ffg-retirement-counseling-centennial-co-308305

## Quick answers

**How is FFG Retirement Counseling compensated?**
On its Form ADV (Item 5.E, October 2026), FFG Retirement Counseling reports these compensation arrangements: a percentage of assets under its management; fixed fees (other than subscription fees).

**How much does FFG Retirement Counseling charge?**
Its Form ADV Part 2A brochure dated February 11, 2026 states: Flat fee: up to $10,000 a year (Standalone financial planning services). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is FFG Retirement Counseling located?**
FFG Retirement Counseling's principal office is in Centennial, CO, according to its Form ADV.

**Is FFG Retirement Counseling registered with the SEC or a state?**
FFG Retirement Counseling is an SEC-registered investment advisory firm, registered since 2020. Status as filed: Approved. CRD 308305.

**How much does FFG Retirement Counseling manage?**
FFG Retirement Counseling reports $216,470,615 in regulatory assets under management in its Form ADV filing dated February 11, 2026 (100% discretionary).

**How have FFG Retirement Counseling's assets and staff changed since 2021?**
In the Form ADV data for FFG Retirement Counseling: Regulatory assets under management: $125,665,486 in the October 2021 data and $216,470,615 in the October 2026 data, up 72%. Total employees: 4 in October 2021 and 5 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does FFG Retirement Counseling serve?**
By number of clients on Form ADV Item 5.D: high net worth individuals (80); individuals (other than high net worth individuals) (76).

**Which custodians does FFG Retirement Counseling use?**
FFG Retirement Counseling's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. (affiliated with the firm) as a custodian holding 10% or more of its separately managed account assets.

**Does FFG Retirement Counseling report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/308305

**Does FFG Retirement Counseling state an account minimum?**
Its Form ADV Part 2A brochure dated February 11, 2026 says: "FFG Retirement Counseling generally requires a minimum relationship size of $500,000 to effectively implement its investment management services."

**What changed in FFG Retirement Counseling's recent Form ADV filings?**
In the January 2026 filing data: No longer registered or notice-filed in NE.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated February 11, 2026)

- Account minimum: $500,000

> FFG Retirement Counseling generally requires a minimum relationship size of $500,000 to effectively implement its investment management services.

- Flat fee: up to $10,000 a year (Standalone financial planning services)

> Standalone financial planning services are offered as a fixed annual fee ranging up to $10,000.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc. (affiliated with the firm)

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $216,470,615
- Discretionary: $216,470,615
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 76 | $31,185,270 |
| High net worth individuals | 80 | $185,285,345 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses

### Firm details
- Registered since: 2020 (6 years)
- Employees: 5 total, 2 performing advisory functions
- Wrap fee program participation: Yes
- States registered or notice-filed: AZ, CO
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- ffgretirement.com
- Facebook @FFGretirement
- LinkedIn @ffg-retirement-counseling
- X @FfgRetirement

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $125,665,486 | 4 | April 22, 2021 |
| October 2022 | $159,242,923 | 5 | March 9, 2022 |
| October 2023 | $154,554,721 | 5 | February 23, 2023 |
| October 2024 | $175,469,049 | 5 | January 23, 2024 |
| October 2025 | $203,310,748 | 6 | January 22, 2025 |
| October 2026 | $216,470,615 | 5 | February 11, 2026 |

Regulatory assets under management: $125,665,486 in the October 2021 data and $216,470,615 in the October 2026 data, up 72%.
Total employees: 4 in October 2021 and 5 in October 2026.

## Changes in the filing (last 12 months)

### January 2026
- No longer registered or notice-filed in NE.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. FFG Retirement Counseling (CRD 308305): Form ADV filing data as of October 2026.