Basically, though, there are a few routes forward - and likely the best and most consistent option will be to open an LLC and choose to custodian your own IRA through that LLC. With that setup, you would never need to worry about the custodian changing policy in the way that Apex or Mainstar have - since the custodian LLC would also be you.
How can you DRS your retirement account shares now that mainstar decided not to be a custodian anymore?
I touch on it lightly in this post: https://lemmy.whynotdrs.org/post/11801
Basically, though, there are a few routes forward - and likely the best and most consistent option will be to open an LLC and choose to custodian your own IRA through that LLC. With that setup, you would never need to worry about the custodian changing policy in the way that Apex or Mainstar have - since the custodian LLC would also be you.