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Updated June 2, 2025
Referral Promotional Disclosures
Program Overview and Eligibility
The Silo Peer-to-Peer Referral Program allows current Silo Cash Back members to earn a referral bonus by inviting new users to join Silo’s Cash Back Program. To be eligible, invitees must subscribe to at least one Cash Back Program tier and transfer or deposit a minimum of $100,000 (via ACATS or ACH) into Silo by June 30, 2025 at 11:59 PM PST. Only individuals using a referrer’s unique referral link and holding an account opened and approved by both Silo Financial LLC and Interactive Brokers (IBKR) will qualify. Referrers must also be existing Silo account holders with accounts open and approved by Silo and IBKR.
Referral Bonus Payment Details
To receive the referral bonus, referrers must have a processed and linked bank account (ACH) to their Silo account. Once an invitee’s account is approved and the required funds have settled, Silo will pay the $1,000 referral bonus as a single lump sum in the month following these conditions being met. Payouts are issued within the first 10 days of that month. To receive the referral bonus, referrers must have a processed and linked bank account (ACH) to their Silo account. Referral bonuses cannot be paid until an invitee’s account is both approved and fully funded, and invitees should refer to the “Silo Cash Back Program” terms and conditions for more information on cash back structure, limitations, and payment timing.
Program Rules, Restrictions, and Referrer Obligations
Referrals only count as “Eligible Referrals” if the invitee opens a full brokerage account through IBKR and Silo by clicking the referrer’s unique link. Silo is not responsible for incorrect entry of referral codes or for invitees who fail to meet the qualification requirements. Silo reserves the right to terminate the Referral Program at any time or rescind referral bonuses if it determines that any aspect of a referral was obtained fraudulently or that inaccurate or incomplete information was provided when opening an account.
Moreover, if any rules of this Referral Program or the Account Management Agreement are violated, Silo may recover bonuses already paid. By participating, referrers agree to follow all instructions from Silo, limit any information shared with invitees to that which is publicly available on the Silo App and related content, and refrain from providing investment advice or recommendations of any kind. Referrers must also comply with all applicable provisions of the Investment Advisers Act of 1940, including Rule 206(4)-1, and represent that they are not “ineligible persons” subject to any disqualifying event under that rule, are not under any investigation that could lead to disqualification, and do not maintain a physical “place of business” where they regularly provide investment advisory services or solicit clients.
Legal and Compliance Disclosures
Silo Financial LLC is a registered investment adviser headquartered in Austin, Texas. Brokerage services are provided to Silo clients by Interactive Brokers LLC, a FINRA- and SIPC-member broker-dealer. Participation in this Program and use of the Silo website constitute agreement to Silo’s Terms of Use and Privacy Policy. Silo may only transact business in states where it is registered or where it qualifies for an exemption or exclusion from registration requirements. This website is intended solely to provide general information about Silo’s advisory services, and should not be interpreted as a solicitation to execute transactions in securities or as personalized investment advice. While Silo strives to provide accurate and up-to-date information, it cannot guarantee the accuracy of all content. For assistance or account inquiries, users must contact Silo directly; Silo does not respond to such requests through social media or third-party platforms.
Website and Social Media Disclaimers
All investing involves risk. Silo is a registered investment advisor with the SEC. As of 04/07/2025, the Silo platform offers US corporate bonds, US Treasury bonds, and NASDAQ and NYSE stocks and ETFs. Silo does not guarantee income from investments and any advertisement regarding Silo should not be construed as Silo guaranteeing income.
Silo engages in the use of promoters, endorsements, and testimonials. Programs such as Silo’s Referral program involve current clients referring potential clients in exchange for benefits on their subscription fee. Silo has sole discretion on what it requires to qualify for the referral incentive. Silo may also engage influencers on social media platforms such as YouTube, TikTok, Instagram, etc. These promoters may be compensated through a flat fee or a variable basis depending on the amount of clients the promoter is able to refer to Silo from their posts or campaigns. If the promoter’s compensation depends on the number of clients that are referred to Silo, a conflict of interest may exist.
Silo also may issue press releases through media platforms such as Yahoo Finance or approve media sites to mention and describe Silo’s platform and services. Silo may compensate the entity that approves and/or published material about Silo through soft-dollar benefits or cash compensation. Examples of soft-dollar benefits are backlinks on Silo’s website. Find more information about our disclosures on https://www.silomarkets.com/disclosures.
Past Referral Disclosures
December 16th, 2024 Referral Promotional Disclosures
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Silo Financial LLC (“Silo”) is a registered investment advisor with the Securities and Exchange Commission (SEC). Website information is presented for informational and educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. No part of this website may be reproduced in any manner, in whole or in part, without the prior written permission of Silo. By reading this material, you acknowledge, understand and accept the foregoing. All third-party trademarks (including logos and icons) referenced by Silo remain the property of their respective owners, are intended to identify the corresponding third-party goods and services and to constitute nominative fair use under applicable trademark laws. Displayed yields are based on the 3-month Treasury bills.

Interactive Brokers LLC is a registered Broker-Dealer, Futures Commission Merchant and Forex Dealer Member, regulated by the U.S. Securities and Exchange Commission (SEC), the Commodity Futures Trading Commission (CFTC) and the National Futures Association (NFA), and is a member of the Financial Industry Regulatory Authority (FINRA) and several other self-regulatory organizations.  Interactive Brokers does not endorse or recommend any introducing brokers, third-party financial advisors or hedge funds, including Silo Financial LLC.  Interactive Brokers provides execution and clearing services to customers.  None of the information contained herein constitutes a recommendation, offer, or solicitation of an offer by Interactive Brokers to buy, sell or hold any security, financial product or instrument or to engage in any specific investment strategy. Interactive Brokers makes no representation, and assumes no liability to the accuracy or completeness of the information provided on this website. For more information regarding Interactive Brokers, please visit www.interactivebrokers.com. The Interactive Brokers logo is a registered trademark of Interactive Brokers LLC.

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