Firm Description
ABG Consultants, LLC, (“ABGC”) was founded in 2004.
ABGC provides personalized confidential investment management to individuals,
pension and other retirement plans, trusts, estates, charitable organizations and
small businesses. Advice is provided through consultation with the client.
ABGC is strictly a fee-only investment management firm. The firm does not sell
annuities, insurance, stocks, bonds, mutual funds, limited partnerships, or other
commissioned products.
Investment advice is provided on either a discretionary or non-discretionary basis.
ABGC places trades for clients under a limited power of attorney. ABGC does not
act as a custodian of client assets.
Principal Owners
ABG Consultants, LLC is a wholly owned subsidiary of Rocky Mountain
Employee Benefits, Inc. Effective January 1, 2021, Rocky Mountain Employee
Benefits, Inc. was acquired by Fiduciary Services Group, LLC.
Types of Advisory Services
ABGC provides investment advisory services, including asset management,
financial consulting, and financial planning. Financial planning may include
investment planning, life insurance, tax concerns, retirement and estate planning,
education planning, and budgeting.
Assets are invested primarily in no-load or low-load mutual funds and exchange-
traded funds, through qualified custodians. Investments may also include: equities
(stocks), warrants, corporate debt securities, commercial paper, certificates of
deposit, municipal securities, investment company securities (variable life
insurance, variable annuities, and mutual funds shares), U. S. government
securities, options contracts, futures contracts, and interests in partnerships.
Initial public offerings (IPOs) are not available through ABGC.
Advisory Services to Individuals
The goals and objectives for each client are established during client onboarding
and then reviewed with the client periodically. As goals and objectives change over
time, suggestions are made and implemented on an ongoing basis. Clients may
impose restrictions on investing in certain securities or types of securities.
Advisory Services to Retirement Plans
ABGC provides both 3(38) and 3(21) advisory services for retirement plans.
Investment policy statements are created that reflect the stated goals and
objectives. In addition, ABGC offers a managed account option to retirement
plans. For this managed account option, individuals complete a risk tolerance
questionnaire which combined with their age, determines the account’s
allocation. Adjustments to the allocation for age are made annually around the
individual’s birthday, and individuals can update their risk tolerance at any
time.
Advisory Services to Health Savings Accounts
ABGC also provides investment advisory services for Health Savings
Accounts (“HSAs”). There are both discretionary managed account and non-
discretionary account options. For the discretionary managed account option,
individuals complete a risk tolerance questionnaire which combined with their
age, determines the account’s allocation. Adjustments to the allocation for age
are made annually around the individual’s birthday, and individuals can
update their risk tolerance at any time. For non-discretionary options,
individuals create their own portfolio allocation from the investment options
we make available.
As of December 31, 2023, ABGC has $511,855,158 in assets under
management. Of this amount, $367,346,672 is managed on a discretionary
basis, and $144,508,486 is managed on a non-discretionary basis.