{"url":"https://nivawealth.com/firms/apo-financial-services-297647","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/297647","regulatoryAum":124251289,"crd":"297647","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"7820094","suffix":null,"lastName":"Croze","firstName":"John","middleName":"Leonard"},{"crd":"5677825","suffix":null,"lastName":"GOODHUE","firstName":"JOHNNY","middleName":"MICHAEL"}],"total":2,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2021-04-08","regulatoryAum":112365531,"clients":486,"employees":10,"offices":7},{"filedOn":"2022-07-19","regulatoryAum":126737720,"clients":561,"employees":11,"offices":7},{"filedOn":"2023-05-04","regulatoryAum":132436623,"clients":570,"employees":9,"offices":6},{"filedOn":"2024-03-31","regulatoryAum":100278222,"clients":517,"employees":8,"offices":7},{"filedOn":"2025-04-01","regulatoryAum":111168207,"clients":518,"employees":7,"offices":7},{"filedOn":"2026-04-01","regulatoryAum":124251289,"clients":542,"employees":7,"offices":7}],"secFileNumber":"801-118090","legalName":"Apo Financial Services, LLC","displayName":"APO Financial Services","slug":"apo-financial-services-297647","website":"https://apofinancial.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"Colorado limited liability company","fiscalYearEnd":"December","headquarters":{"street":"10155 Westmoor Drive, Suite 125","city":"Westminster","state":"CO","stateName":"Colorado","country":"United States","postalCode":"80021-2627"},"tradeNames":["Assurance Financial Partners","Scott Financial Services"],"registration":{"secApproved":"14 February 2020","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":229245.92066420664,"staff":{"employees":7,"advisory":7,"brokerDealerReps":0,"insuranceAgents":7,"promoters":0},"aum":{"regulatory":124251289,"discretionary":124251289,"discretionaryAccounts":929,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":536,"regulatoryAum":114169999},{"label":"High-net-worth individuals","clients":6,"regulatoryAum":10081290}],"feePrograms":[{"role":"other","program":"Financial planning and consulting","summary":"Planning and consulting fees are negotiable and may be complimentary; generally $1,000 to $10,000 fixed, or up to $500 per hour.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1040028","versionId":1040028,"submittedOn":"2026-04-01","documentName":"APO FINANCIAL FIRM BROCHURE"},{"role":"other","program":"Pension consulting","summary":"Pension consulting fees are negotiable, generally up to 100 basis points of plan assets, or a fixed fee up to $50,000.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1040028","versionId":1040028,"submittedOn":"2026-04-01","documentName":"APO FINANCIAL FIRM BROCHURE"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed_no_numerical_schedule","checkedAt":"2026-10-22T16:06:43.528692+00:00","documents":[{"name":"APO FINANCIAL FIRM BROCHURE","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1040028","versionId":1040028,"submittedOn":"2026-04-01"}]},"custodians":[{"name":"Axos Clearing LLC","shortName":"Axos Clearing","location":"Omaha, NE","smaAssets":109623961},{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":14569924}],"custodyNote":"APO Financial Services does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Johnny Goodhue","title":"CEO & CCO","crd":"5677825"}],"ownership":[{"label":"Johnny Goodhue","detail":"Ceo & cco in the 75% or more ownership band and a control person, since December 2018."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":6,"privateResidences":0},"listedOfficeAddresses":7,"foreignOffices":[],"officesByState":[{"state":"Colorado","offices":3,"addresses":[{"street":"10155 Westmoor Drive, Suite 125","city":"Westminster","headquarters":true},{"street":"10375 Park Meadow Drive","city":"Lone Tree"},{"street":"722 Tenacity Drive","city":"Longmont"}]},{"state":"Florida","offices":1,"addresses":[{"street":"11770 US Highway One","city":"Palm Beach Gardens"}]},{"state":"Michigan","offices":1,"addresses":[{"street":"95 3rd Street","city":"Laurium"}]},{"state":"Tennessee","offices":1,"addresses":[{"street":"3401 Mallory Lane","city":"Franklin"}]},{"state":"Utah","offices":1,"addresses":[{"street":"555 S. Bluff Street","city":"Saint George"}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"720-588-2000","stateRegisteredReps":7,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Pension consulting services","Educational seminars/workshops"],"financialPlanningClients":"1-10","assetMix":[{"label":"Exchange-traded equity securities","percent":10},{"label":"Securities issued by registered investment companies or business development companies","percent":86},{"label":"Cash and cash equivalents","percent":5}],"privateFunds":0},"sources":{"adv1FilingDate":"1 April 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/297647/PDF/297647.pdf","brochureDate":"1 April 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1040028","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 APO Financial Services have?","answer":"APO Financial Services has 542 clients and manages $124 million for them, as of April 2026. They include 536 individual clients and 6 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 1 April 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does APO Financial Services offer?","answer":"APO Financial Services provides financial planning, portfolio management for individuals and small businesses, pension consulting, and educational seminars.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Which custodians does APO Financial Services use?","answer":"APO Financial Services’ separately managed account assets are held at Axos Clearing LLC (Omaha, NE), with $110M and Charles Schwab & Co., Inc. (Westlake, TX), with $14.6M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 1 April 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does APO Financial Services have?","answer":"APO Financial Services has 7 investment adviser representatives registered with state securities authorities, out of 7 employees, and 7 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 7 employees are 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 APO Financial Services invest in?","answer":"At the end of its last fiscal year, APO Financial Services’ separately managed accounts held 86% registered funds (mutual funds, ETFs, BDCs), 10% exchange-traded equities and 5% 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 APO Financial Services?","answer":"APO Financial Services’ direct owner is Johnny Goodhue (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 1 April 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does APO Financial Services get paid?","answer":"APO Financial Services is paid through a percentage of assets under management, hourly charges 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 APO Financial Services?","answer":"APO Financial Services’ main office is at 10155 Westmoor Drive, Suite 125, Westminster, CO 80021-2627. Its phone number is 720-588-2000. Its website is apofinancial.com.","source":"Form ADV Part 1A, Item 1.F, filed 1 April 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. 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."}