Roger  Kruse

Roger Kruse

| CFP®, ChFC®, EA

FFP Wealth Management

(763) 231-2760

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Fee Only Financial Planner Located in Minneapolis and St. Cloud, MN and Serving Clients Nationwide


  • Fee-Only Financial Services
  • Comprehensive Financial Planning
  • Free Initial Consultation
  • Investment Management
  • Retirement Planning
  • Education Planning
  • Elder Care Issues
  • Estate Planning
  • Insurance Analysis
  • Charitable Giving and Trusts
  • Planning for Business Owners
  • Cash Flow and Budgeting


Our Other NAPFA Members

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11375 Robinson Drive Suite 210
Minneapolis, MN 55433

Fee-Only & Fiduciary

The National Association of Personal Financial Advisors (NAPFA) is the country's leading association of fee-only and fiduciary financial planners.

Roger Kruse is a Minneapolis, MN Fee-Only Financial Planner serving Minneapolis, St. Cloud and all surrounding areas. FFP Wealth Management specializes in providing objective financial planning to help clients build, manage, grow, and protect their assets through life's transitions. Roger Kruse is a NAPFA-Registered Financial Advisor and a CERTIFIED FINANCIAL PLANNER™ Professional.

Roger Kruse, ChFC® CFP®, EA is the founder of FFP Wealth Management.  He is in his 26th year of providing investment management, financial planning, IRA Exit Planning™ and estate planning.  Roger is credited with developing the Tax SuperSheet® financial planning software to help families reduce what is often the largest expense they face. 

The Tax SuperSheet® illustrates the immediate benefit of income tax saving strategies as well as an easy to understand illustration of the tax implications of IRA Exit Plans™ in retirement.  The proprietary Leave Wisely – Inherit Wisely® plans help families avoid catastrophic taxes caused by inadvertent errors when IRAs are inhertited.   LWIW also illustraes how an IRA Trust can keep your IRA in your family line, provide creditor protection and to reduce income taxes after death.   

FFP Wealth Management is a Fee-Only firm providing comprehensive financial planning services including investment management, estate planning, and tax preparation & planning in the greater Minneapolis area including:

St. Paul MN
Eden Prairie MN
Apple Valley MN
Bloomington MN
Coon Rapids MN
Eagan MN
Maple Grove MN
Blaine  MN
Anoka  MN


FFP Wealth Management is a Registered Investment Advisor*

We manage investments we do not sell investments.

We advise individuals on 401(k) plan choices - we do not sell 401(k) plans.

We forecast cash flow needs to recommend tax-wise retirement paychecks or other cost saving strategies at any stage of life.

We analyze and recommend solutions for potential tax liabilities at death - we do not file estate tax returns.

We analyze wills and trusts and seek efficient strategies to transfer wealth - we do not draft legal documents.

We manage your trust account or advise your trustee**  - and can refer competitive trustee services when a family member trustee is not an option.  

Investment Management


• Individual, TOD Joint and others

• 401k rollover (post or in-service rollover)
• IRA accumulation
• IRA income distribution
• Trust management
• 401k, pensions, company stock and retirement plans

Financial Planning

• Comprehensive or retirement, education or other goal based financial plans
• Age 70 1/2 IRA Required Minimum Distributions
• Stock option strategies and net unrealized appreciation of company stock in retirement plans (NUA)
• Income tax analysis and income tax plans
• Second opinion of  investment recommendations, financial plans and prior year tax returns
• Income, asset, debt, cash flow and other analysis
• Life, annuity and long–term care insurance analysis
• Will, trust and asset transfer strategies

Financial Education

• Workplace and organization sponsored classes
• Community based education classes
• Public or client only internet based classes