What FFP Wealth Management does

FFP Wealth Management, LLC is a fee-only registered investment advisory firm founded in 1992 by Roger Kruse and headquartered at 11375 Robinson Drive, Suite 200, Coon Rapids, Minnesota. The firm serves individual clients and business owners in the Minneapolis/St. Paul metropolitan area with an integrated offering spanning investment management, financial planning, retirement planning, tax planning and preparation, and estate planning. As a NAPFA fiduciary member and FeeOnly Network participant, the firm operates under a no-commission compensation model with fees disclosed prior to engagement.

The firm's core technology asset is the proprietary Tax SuperSheet™, a tax planning tool developed by the founder in 1992 that calculates the impact of tax strategies directly from the tax code rather than relying on rules of thumb, supporting Roth conversion analysis, mortgage analysis, retirement distribution planning, and estate planning scenarios. Client accounts are accessed through four custodian integrations — Equity Institutional, Schwab Institutional, Fidelity, and the 2gr Equity Insight Portal — and document exchange is handled through a Secure File Share platform. A Learning Center provides calculators, flipbooks, monthly newsletters, research articles, a glossary, and a tax library as the firm's primary top- and mid-funnel marketing channel.

The team consists of approximately 7–8 associates, including two principal wealth advisors (Tiffany K. Brynteson-Johnson, CRPC®, and Tony Rush), an associate wealth advisor, a financial paraplanner, a tax preparer, and client operations staff. Revenue is generated through three streams: recurring investment management fees, recurring financial planning fees, and employer retirement plan advisory fees for 401(k), profit-sharing, and cash balance defined benefit plans. Client acquisition is consultative and sales-led, driven by educational content, direct website inquiries, and referrals within the local metro market.

Name

FFP Wealth Management

Legal name

FFP Wealth Management, LLC

Website

https://ffpwealthmanagement.com

Company type

Private

Founded year

1992

Operating status

Operating

Headcount range

1–10 employees

Short description

FFP Wealth Management is a fee-only fiduciary registered investment advisory firm founded in 1992, serving individual clients and business owners in the Minneapolis/St. Paul metro with integrated investment management, tax planning, retirement planning, and estate planning services.

Ownership category

akta.pro rank

Product category

Wealth Management & Financial Advisory

NAICS

Portfolio Management and Investment Advice (52394)

SIC

Investment Advice (6282)

akta.pro primary industry

Discretionary Portfolio Management (Retail) (FSAAAAAH)

akta.pro secondary industries

Retirement & Pension Wealth (401(k)/IRA/SIPP/Superannuation Retail) (FSAAAAAJ), Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)

Keywords

• Fee-only advisory
• Investment management
• Retirement planning
• Tax planning
• Estate planning

Headquarters

HQ city

Coon Rapids

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Investment Management Fees: Fee-only advisory fees for investment management services. The firm operates under NAPFA's FeeOnly model, meaning fees are disclosed prior to engagement and are totally transparent. No commissions on financial products are earned.
2. Financial Planning Fees: Fees for comprehensive financial planning services including retirement planning, tax planning, and estate planning engagements.
3. Employer Retirement Plan Advisory: Advisory services for business owners regarding 401(k) plans, profit-sharing plans, and cash balance defined benefit plans.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

FFP Wealth Management is a fee-only Registered Investment Management firm providing integrated investment management, financial planning, retirement planning, tax planning and preparation, and estate planning services to individual clients and small-to-mid-sized business owners in the Minneapolis/St. Paul area. The firm differentiates through its proprietary Tax SuperSheet™ modeling tool and a fiduciary, no-commission advisory model under NAPFA's FeeOnly standards.

Product overview

FFP Wealth Management offers a comprehensive wealth management platform centered on its proprietary Tax SuperSheet™ tool, supplemented by core services including Investment Management, Tax Planning & Preparation, Estate Planning, and Retirement Planning. The firm operates as a fee-only registered investment advisor providing fiduciary financial planning services. The product portfolio includes specialized advisory modules for Rollover IRA, Annuity evaluation, Employer Tax Planning, Inheriting services, and POA/HCD guidance. Additionally, the firm provides educational tools including Financial Calculators (mortgage, retirement, tax, savings), Flipbooks, Newsletters, and Research Articles. The offering integrates with multiple custodian platforms (Equity Institutional, Schwab Institutional, Fidelity, 2gr Equity) for client account access.

Differentiator

Problem solved

Functional benefit

Brands

• Tax SuperSheet™: A proprietary tax planning tool developed by FFP Wealth Management that calculates the impact of tax strategies based on the tax code.

Products and services

• Investment Management Investment management services encompassing capital preservation, income generation, and growth strategies tailored to individual client goals and risk profiles.
• Tax Planning & Preparation Income tax forecasting and tax preparation services including tax strategy development, Roth IRA analysis, social security taxation planning, and retirement income tax planning.
• Estate Planning Estate planning services including wills, trusts, power of attorney, and health care directive planning to help clients structure asset distribution and protect legacies.
• Retirement Planning Comprehensive retirement planning services that assess income, expenses, taxes, insurance, and debt to project retirement readiness and develop income distribution strategies.
• Rollover IRA Services Guidance on 401(k) to IRA rollovers, including analysis of DOL rules compliance and investment selection for former employer retirement plans.
• Annuity Services Advisory services evaluating annuity products, including analysis of two-tier contracts, death benefits, surrender values, and suitability for retirement income.
• Employer Tax Planning Business tax planning services including 401(k), profit sharing, and cash balanced defined benefit plan design to optimize employer and employee retirement savings.
• Inheriting Services Advisory services for heirs inheriting retirement accounts and estates, including IRA distribution strategies and protection from estate tax implications.
• POA & HCD Services Guidance on power of attorney and health care directive planning, including fiduciary responsibilities and duties of trustees and personal representatives.
• Tax SuperSheet™ A proprietary tax planning tool developed by FFP that calculates the impact of tax strategies based on the tax code rather than rules of thumb, enabling advisors to illustrate complex financial decisions for clients.

Quantifiable outcome

• Tax planning strategies can reduce income taxes through proper timing and optimization of retirement plan distributions

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature1 record

Partnerships

Two partnerships are on record, tiered core.

• National Association of Personal Financial Advisors (NAPFA)coreOthersFFP Wealth Management and its advisors are fiduciaries and members of NAPFA. As members, they agree to NAPFA's Fiduciary Oath and operate under NAPFA's FeeOnly model, which prohibits commission-based compensation and requires transparent fee disclosure.
• FeeOnly NetworkcoreOthersFFP Wealth Management is a member of the FeeOnly Network, which connects clients with fee-only financial advisors who offer services based on the FeeOnly model without commission-based products.

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Creative Planning: One of the largest independent fee-only RIAs in the U.S. offering comprehensive wealth management, tax, and estate planning. Direct overlap with FFP's service model, though at vastly greater scale and with national rather than local reach.
• Commonwealth Financial Network: Large RIA and wealth management firm with advisor-led service to individuals and business owners. Overlap in retirement plan advisory and integrated planning services.
• Carson Group: RIA platform and wealth management firm serving individual investors and business owners with retirement plan advisory. Comparable in advisor-led model and target segments, though substantially larger.
• Mercer Advisors: National RIA consolidator offering investment management, tax, estate, and retirement plan advisory. Comparable service breadth and target segments, though operating at significantly larger scale.
• Mariner Wealth Advisors: National RIA platform with deep tax, estate, and retirement planning capabilities. Comparable in service breadth though operating as a PE-backed consolidator with national scope.
• Edelman Financial Engines: Large fee-only RIA combining traditional advisory with defined-contribution plan services. Overlap with FFP in serving individual investors and offering 401(k)/retirement plan advisory.

Direct peers

• Halbert Hargrove: Fee-only fiduciary wealth management firm offering investment management, tax, and estate planning services. Highly comparable in operating model, fee structure, and integrated advisory approach.
• Buckingham Wealth Partners: Fee-only RIA offering integrated investment management, tax planning, and estate planning to individuals and business owners. Closely comparable in business model, fiduciary positioning, and integrated service offering.
• Plancorp: Fee-only RIA providing wealth management, tax planning, and estate planning to individuals and families. Directly comparable in service mix and fiduciary positioning.

Emerging players

• Facet Wealth: Tech-enabled fee-only RIA offering flat-fee financial planning and investment management virtually. Comparable fiduciary model and target audience, with very different tech-led delivery model.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about FFP Wealth Management