Apo Financial Services, LLC

APO Financial Services, LLC, established in June 2018 by John M. Goodhue, offers investment advisory portfolio management and financial planning services tailored to individual needs. Clients can choose discretionary portfolio management or non-discretionary basis, with fees negotiable up to 1.50%. Financial planning services are available on a fixed fee or hourly basis. APO may recommend insurance products through affiliates, with commissions paid, ensuring recommendations are in the client's best interest. Pension consulting services and retirement account advice are provided, with a fiduciary duty to act in the client's best interest. Investment strategies are customized based on individual needs, utilizing fundamental, technical, and cyclical analysis. APO discloses risks associated with investments, including market, management, and interest rate risks. The firm does not engage in performance-based fees or side-by-side management. APO does not have any disciplinary events to disclose and does not accept compensation from the sale of securities. Clients include individuals, high net worth individuals, businesses, and pension plans, with no minimum asset level requirement. APO recommends custodians for client accounts and does not generally accept directed brokerage arrangements. Clients are provided with regular account reviews and have the option to authorize APO to deduct fees directly from their accounts. APO exercises investment discretion with limited client restrictions and typically does not vote on client proxies. The firm maintains a Code of Ethics and policies to prevent misuse of material non-public information. APO does not receive referrals from broker-dealers and does not compensate for client referrals. The firm has custody of client assets for fee deduction purposes only. Financial information shows no impairments to meeting contractual commitments.