If Vested shuts down, you would still have access to all your cash and securities. Your assets are held at a 3rd party custodian, we do not ever touch or hold your money. We will ensure that direct DriveWealth access is established for you to further buy or sell securities. In the highly unlikely event that both Vested and DriveWealth both shut down, your SIPC insurance kicks in. Each brokerage account opened with Vested is insured by SIPC (Securities Investor Protection Corporation) up to $500,000, this includes $250,000 in cash.