APO Financial Services, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
APO serves individuals (including high-net-worth clients), business entities and pension/profit-sharing plans, providing discretionary portfolio management, financial planning and consulting, and retirement-account advice. The firm offers ongoing fee-based investment management as well as fixed-fee or hourly financial planning engagements.
Portfolios are tailored to each client’s objectives and may incorporate fundamental, technical, or cyclical analysis across equities, ETFs, mutual funds and fixed-income securities, and — for accredited investors — unregistered alternative investments. APO conducts ongoing monitoring and rebalancing, uses quantitative tools and third‑party research, and may maintain defensive cash positions as part of its management process.
What is noteworthy about APO is that it maintains seven offices despite a three-advisor team and roughly $124 million in assets under management, and it is affiliated with two insurance agencies through which insurance products may be sold for commissions — a conflict the firm discloses and says it manages under its fiduciary standards. The firm also runs educational seminars and workshops and provides pension consulting to plan sponsors, and it may enter into solicitor arrangements with unaffiliated advisers, all of which are described in its brochure and subject to additional disclosures.
Client services
Expertise
Fee options
Generally ranges from $1,000 to $10,000 for financial planning and consulting services; up to $50,000 fixed fee for pension consulting services
Up to $500 per hour for financial planning and consulting services
Main office
See office10155 Westmoor Drive, Suite 125
Westminster CO 80021-2627
Advisors at this office
1
Offices (2)
Most active in
Colorado · Florida · Michigan · Tennessee · Texas · Utah
Also doing business as
Apo Financial Services, LLC · Assurance Financial Partners · John Hart Financial · Scott Financial Services
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Advisors at this firm
John C
Series 65
Lake Linden, MI
APO Financial Services, LLC
John Croze is a financial advisor with APO Financial Services, LLC, holding a Series 65 designation and two years of industry experience. Prior to his advisory career, he spent 30 years with the Public Schools of Calumet. He serves as treasurer and a board member of RCL Inc., a nonprofit organization involved in charitable giving and community events. APO Financial Services, LLC provides discretionary portfolio management, financial planning, and pension consulting to individuals, business entities, and retirement plans. The firm customizes portfolios using fundamental, technical, and cyclical analysis across various asset classes and serves both individual and institutional clients.
Johnny G
Series 65
Westminster, CO
APO Financial Services, LLC
Johnny Goodhue is a financial advisor with APO Financial Services, LLC in Westminster, CO, holding a Series 65 designation and 13 years of industry experience. He has worked at APO Financial Services since 2019 and has held leadership roles at related entities including Asset Protect One Inc., where he serves as president. Outside of his advisory work, he is involved in insurance and annuity sales through these affiliated businesses. APO Financial Services provides discretionary portfolio management, financial planning, and consulting for individuals, business entities, and pension plans. The firm tailors portfolios to client objectives using a range of investment analyses and offers ongoing monitoring, rebalancing, and access to alternative investments for accredited investors.
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor’s Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and introductions are provided by FinanceHQ LLC (“FHQ”), a wholly-owned subsidiary of Warmer and an SEC-registered investment advisor. We receive compensation from certain participating advisors for introductions or referrals. This creates a conflict of interest because we have an incentive to recommend advisors who compensate us, including those who pay us more. You pay no fee to use our matching service, and advisor fees are not increased because of a referral or introduction. We do not review the ongoing performance of advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to our Terms of Service and Advisory Agreement, and acknowledge our Privacy Policy. Please review FHQ’s ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. (“Warmer”)