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Custodian Consolidation

Read-only files from Schwab, Fidelity, Pershing, and the rest of your roster, mapped into one household book.
Includes:
Custodian file ingest
Read-only files from each custodian, loaded with their as-of date attached
Position and lot mapping
Household mapping without rewriting source files
Household grouping
Accounts grouped into the households and entities your firm already reports
Single book of record
A written map of which custodian owns which household file, and who at the firm enters private marks.
Command Stone mark Stonebook · Custodian filesAs of 31 Aug 2026
Custodians3
Files posted3 of 3
Lines posted696
Charles Schwab
SCHW-CORE-20260831.csv · 412 lines
Posted
Fidelity
FID-SMA-20260831.csv · 188 lines
Posted
Pershing
PER-HALE-20260831.csv · 96 lines
Posted
Private book
Client schedule · 6 holdings, dated
Stale marks
Read-only. Stonebook posts what each custodian sent. It never changes an instruction.
Typical onboarding
  • About 12 weeks to the first quarterly pack
  • Annual firm license, unlimited seats
  • Named onboarding contact
  • Weekly file load status
  • Read-only access throughout
Custodians
  • Schwab
  • Fidelity
  • Pershing
  • Other custodians by file
  • Private book, entered by your firm

Most firms already receive the files. The problem is they land in seven formats and get rebuilt in a spreadsheet before anyone prints a pack. Stonebook takes the files as they are, maps them to the households you already run, and leaves the source untouched.

What we do for clients

What lands in the book:

  • Positions, cash, and lots from each connected custodian, with the as-of date still attached to the file.
  • Household mapping using the rules you already use. Stonebook does not invent a household or rename an account.
  • Source map: which custodian owns which household file, and who at the firm enters private marks
  • Load plan: file names, custodian roster, and a flag for any file that fails
  • File status by custodian: which files loaded, which arrived late, and which failed
  • Recon flags across custodians, kept on the book until your team clears them

How a file gets into the book

Every custodian file takes the same path into the book:

  1. Connect. You authorize a read-only feed. We do not take custody. We do not place trades. If a file is late, the flag is on the book before a pack goes out.
  2. Map. Accounts join the household you already run. If two custodians use different account numbers for the same person, you decide the join. The source files stay as they arrived.
  3. After onboarding, your ops lead gets a one-page handoff: which files loaded, which failed, and which private marks still need a date. If you stay with us, that sheet becomes the first page of the book. If you take the files elsewhere, you leave with the map.
We were reconciling seven custodians in spreadsheets every month. The book now lands in one place. Helen Cho, Chief Operating Officer

Where we fit best

Most firms that buy Custodian Consolidation already run Schwab, Fidelity, and at least one more. They are not looking for a new adviser. They need one book that shows whether last month's files actually loaded.

We are a particularly strong fit for:

  • Ops teams reconciling seven or more custodians in spreadsheets every month
  • Firms that cannot tell a client which file failed before the quarterly pack goes out
  • Family offices holding directed accounts at several custodians alongside a private book
  • RIAs preparing for an exam and need a single place to pull the household book

We work with your ops lead from the first file. You keep your custodians, your households, and your source files. Stonebook adds the book that ties them together.