AP Wealth works with a custodian, Charles Schwab & Co., Inc., who is the third party with custody of your securities. As an independent custodian, Charles Schwab & Co., Inc. works for the benefit of both the client and the Registered Investment Advisor (RIA) – AP Wealth. The custodian serves you by providing third party, independent information regarding positions and transactions in your account. They serve as a “check” for you that we are living up to the fiduciary standard.   Charles Schwab & Co., Inc. is financially stable. Their capital structure and liquidity are sound, and their internal controls and business standards are designed to keep client assets safe. They maintain a disciplined focus on risk management and strive to operate the firm conservatively to minimize investment risks.