Optimizing your experience...
Optimizing your experience...
Your investments are held at qualified custodians, protected by federal regulations, industry insurance, and multiple layers of account security.
Aurea Investments never has custody of your funds. We can direct trades, but cannot withdraw assets.
Your assets are protected by regulatory requirements, industry insurance, and institutional-grade security controls.
Your assets are held at SEC-regulated custodians, separate from our firm. We cannot withdraw funds or transfer assets out of your account.
If a custodian fails financially, your securities are protected by SIPC and additional excess coverage through Lloyd's of London.
Multiple authentication layers prevent unauthorized access. Withdrawals require verified bank accounts in your name.
Exact protection limits with official sources
| Protection Type | Interactive Brokers | Fidelity |
|---|---|---|
| SIPC Securities | $500,000 | $500,000 |
| SIPC Cash | $250,000 | $250,000 |
| Excess SIPC (Securities) | $30 million per account | Unlimited per customer |
| Excess SIPC (Cash) | $900,000 | $1.9 million |
| FDIC (Uninvested Cash)* | Up to $5.25 million | Up to $1.25 million |
| Aggregate Firm Limit | $150 million | $1 billion |
| Excess Coverage Provider | Lloyd's of London | Lloyd's of London |
| Transfer Lockdown Feature | Not available | Available |
*Via Bank Deposit Sweep Program. Aggregate limits apply only if the custodian fails financially. Individual account protection remains in effect regardless.
Every login requires your password plus a code from your authenticator app or physical security device. Per Interactive Brokers: even if a hacker obtains your username and password, they “WILL NOT be able to access your account without physical possession of your security device or full access to your smartphone.” Lost your device? Contact your custodian to verify your identity and restore access.
Withdrawals can ONLY go to bank accounts in your name. Third-party transfers are prohibited. Period. The account owner must match the brokerage account owner.
ACH deposits are restricted from being sent anywhere other than to the originating bank account for 40 business days. Even if someone compromised your login, they cannot redirect your funds to a different bank.
IBKR Origination RestrictionAurea Investments holds trading authority only. We can execute trades on your behalf, but we cannot withdraw funds, change bank instructions, or transfer assets out of your account.
Without highest-tier authentication (IBKR Mobile app or physical security key), withdrawals are capped at $50,000 per day and $100,000 per 5-business-day period — limiting exposure even in a worst-case scenario.
IBKR Withdrawal LimitsImportant limitations to understand
SIPC protects against the loss of securities if a brokerage firm fails financially. It does not protect against:
Source: SIPC — What SIPC Protects
We offer custody at both Interactive Brokers and Fidelity Institutional. Choose based on your priorities.
Best for: Active strategies, options, lowest trading costs
Best for: Maximum transfer protection, brand trust
Not sure which is right for you? Schedule a call to discuss your options.
Don't take our word for it. Use these official resources to verify our credentials and confirm the protections described on this page.
I'm happy to walk through any of these protections in detail. Understanding how your assets are safeguarded is important.
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