Fee-only adviser · Centennial, CO
FFG Retirement Counseling
FFG Retirement Counseling is a fee-only investment adviser registered with the U.S. Securities and Exchange Commission, with its main office in Centennial, Colorado. On its latest Form ADV, filed February 11, 2026, it reports $216M in regulatory assets under management, 156 individual clients and 2 employees who give investment advice. It reports no commission compensation, is not registered as a broker-dealer and does not act as an insurance agent.
Key facts from Form ADV
| Registration | SEC-registered |
|---|---|
| Firm CRD number | 308305 · SEC file 801-119392 |
| Office | 5975 South Quebec Street Suite 130 Centennial, CO 80111 |
| Phone | (303) 327-8100 |
| Website | www.ffgretirement.com |
| Regulatory assets under management | $216M |
| Individual clients | 76 non-high-net-worth, 80 high-net-worth |
| Financial planning clients | 51-100 |
| How it charges | Percentage of assets, Fixed fee |
| Services | Financial planning, Portfolio management |
| Employees | 5 |
| Disciplinary disclosures | None reported |
| Latest Form ADV filing | February 11, 2026 |
Source: the firm’s Form ADV Part 1A as published by the SEC’s Investment Adviser Public Disclosure database, data as of November 6, 2026. Figures are self-reported by the firm.
What this means for you
- It offers hourly or fixed-fee arrangements, so you may be able to pay for a plan without handing over your investments.
- It also charges a percentage of assets managed for ongoing investment management.
- Most of its individual clients are high-net-worth, which on Form ADV means they meet the SEC’s qualified-client or qualified-purchaser test: broadly, more than $1 million managed by the adviser or a net worth above $2 million, with the thresholds indexed for inflation.
- It provides financial planning services, not only portfolio management.
- It sponsors or manages a wrap fee program; ask what the bundled fee covers.
- It reports no disciplinary history on Form ADV.
Before you hire any adviser
Read the firm’s Form ADV Part 2 brochure on its SEC record: it sets out fees, minimums, conflicts of interest and who will manage your money. Ask whether the firm acts as a fiduciary for all of your accounts, how it is paid in total, and who holds your assets. Our guide to choosing a financial adviser lists the questions to ask.
Other fee-only advisers in Centennial
- Peak Planning Group, LLC $710M
- Schaefer Financial Management, Inc. $1.1B
- Fit Wealth Management $147M
- Paller Financial Services, Inc. $148M
- Loyd Financial Management Inc. $134M
- Irving Planning & Investments, Ltd. $72M
See all 14 fee-only advisers in Centennial →
Nearby
- Englewood 11 firms
- Greenwood Village 28 firms
- Lone Tree 1 firm
- Aurora 1 firm
- Highlands Ranch 6 firms
- Foxfield 1 firm
- Parker 7 firms
- Glendale 1 firm
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