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fees are invoiced up to 100% on signing.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1008375","versionId":1008375,"submittedOn":"2026-02-11","documentName":"FFG RETIREMENT COUNSELING DISCLOSURE BROCHURE, WRAP FEE PROGRAM BROCHURE, BROCHURE SUPPLEMENTS,AND PRIVACY POLICY"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T16:35:59.69893+00:00","documents":[{"name":"FFG RETIREMENT COUNSELING DISCLOSURE BROCHURE, WRAP FEE PROGRAM BROCHURE, BROCHURE SUPPLEMENTS,AND PRIVACY POLICY","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1008375","versionId":1008375,"submittedOn":"2026-02-11"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":197115022}],"custodyNote":"FFG Retirement Advisors does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Sean O'Reilly","title":"Partner and Chief Compliance Officer","crd":"3241237"},{"name":"Blake Barnett","title":"Partner","crd":"5713662"}],"ownership":[{"label":"FFG Retirement, Inc.","detail":"Managing member in the 75% or more ownership band and a control person, since August 2020."},{"label":"Sean O'Reilly","detail":"Indirect owner: a president of FFG Retirement, Inc. in the 50% to 75% band and a control person, since August 2020.","parent":"FFG Retirement, Inc."},{"label":"Blake Barnett","detail":"Indirect owner: a secretary of FFG Retirement, Inc. in the 50% to 75% band and a control person, since August 2020.","parent":"FFG Retirement, Inc."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Colorado","offices":1,"addresses":[{"street":"5975 South Quebec Street, Suite 130","city":"Centennial","headquarters":true}]}],"brochureServices":["education planning"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"303-327-8100","stateRegisteredReps":2,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses"],"financialPlanningClients":"51-100","assetMix":[{"label":"Exchange-traded equity securities","percent":80},{"label":"Securities issued by registered investment companies or business development companies","percent":10},{"label":"Cash and cash equivalents","percent":10}],"privateFunds":0},"sources":{"adv1FilingDate":"11 February 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/308305/PDF/308305.pdf","brochureDate":"11 February 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1008375","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does FFG Retirement Advisors have?","answer":"FFG Retirement Advisors has 156 clients and manages $216 million for them, as of February 2026. They include 80 high-net-worth individuals and 76 individual clients.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 11 February 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does FFG Retirement Advisors offer?","answer":"FFG Retirement Advisors provides financial planning, portfolio management for individuals and small businesses, and education planning.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does FFG Retirement Advisors charge?","answer":"FFG Retirement Advisors charges 0.75%–1.30% a year for its Wealth Management Services. The fee is billed in advance and is negotiable.","source":"FFG RETIREMENT COUNSELING DISCLOSURE BROCHURE, WRAP FEE PROGRAM BROCHURE, BROCHURE SUPPLEMENTS,AND PRIVACY POLICY, filed 11 February 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does FFG Retirement Advisors use?","answer":"FFG Retirement Advisors’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $197M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 11 February 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does FFG Retirement Advisors have?","answer":"FFG Retirement Advisors has 2 investment adviser representatives registered with state securities authorities, out of 5 employees, and 2 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does FFG Retirement Advisors invest in?","answer":"At the end of its last fiscal year, FFG Retirement Advisors’ separately managed accounts held 80% exchange-traded equities, 10% registered funds (mutual funds, ETFs, BDCs) and 10% cash and equivalents.","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns FFG Retirement Advisors?","answer":"FFG Retirement Advisors is owned through a holding company by Sean O'Reilly and Blake Barnett. Its direct owner is FFG Retirement, Inc. (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 11 February 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does FFG Retirement Advisors get paid?","answer":"FFG Retirement Advisors is paid through a percentage of assets under management and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.","source":"Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact FFG Retirement Advisors?","answer":"FFG Retirement Advisors’ main office is at 5975 South Quebec Street, Suite 130, Centennial, CO 80111. Its phone number is 303-327-8100. Its website is ffgretirement.com.","source":"Form ADV Part 1A, Item 1.F, filed 11 February 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":{"url":"https://nivawealth.com/firms/ffg-retirement-advisors-308305/holdings","form":"13F-HR","periodOfReport":"2026-06-30","filedOn":"2026-07-09","filingIndexUrl":"https://www.sec.gov/Archives/edgar/data/1966438/000195175726000985/0001951757-26-000985-index.html","totalValue":188907329,"positionCount":43,"top10Share":0.3964991427092805,"top10":[{"issuer":"SPDR SERIES TRUST","titleOfClass":"ST STR P500ETF","cusip":"78464A854","value":10109153,"shares":115034,"shareType":"SH","priorValue":7040339,"priorShares":91982},{"issuer":"ISHARES TR","titleOfClass":"US TREAS BD ETF","cusip":"46429B267","value":9658506,"shares":423991,"shareType":"SH","priorValue":3634413,"priorShares":158639},{"issuer":"SCHWAB STRATEGIC TR","titleOfClass":"US AGGREGATE 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Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}