Limited-Time Welcome Bonus
New Silo Rewards members can earn a one-time welcome bonus of 100,000 Silo Points. Qualifying transfers are ACH, wires, checks, ACATS, or internal IBKR transfers initiated by 11:59 p.m. on May 31, 2026.
The one-time welcome bonus equals a 1x points multiple of the total transferred amount, up to $100,000 in eligible transfers. Each member is eligible for one welcome bonus per SSN, calculated across all Silo account types (including individual, IRA, trust, and others) held under that SSN. The bonus is calculated on the settled value of all qualifying transfers once they have successfully cleared, and is earned on the 10th of the month following the deposit window, or once all assets have fully settled, whichever is later. If you open multiple account types with active memberships within the offer window, you will receive the greater of the calculated bonus.
Participation in other Silo reimbursement programs, including ACATS transfer fee reimbursements, is unaffected by this offer.
Program Overview
This Silo Gold Points Program Agreement (the Agreement) sets the terms and conditions for your enrollment in the Silo Gold Points plan (the Program). The Program is offered by Silo Financial LLC (Silo), a registered investment adviser. Brokerage services are provided to Silo clients by Interactive Brokers LLC (IBKR), a registered broker-dealer and member of FINRA and SIPC.
Under the Gold Points plan, eligible clients accrue Silo Points at an annual rate equal to 0.5x of their account’s NLV on the first $100,000 of NLV, resulting in a maximum of 50,000 points per year. To accrue points for any month, you must maintain a minimum NLV of $5,000 as of the last business day of that month. The Program is available exclusively to subscribed clients who maintain eligibility.
Membership Fees and Billing
The annual membership fee is $240. Any subscription that begins on or before 11:59 p.m. Pacific Time on the last day of a calendar month is eligible for a points credit in the following month, provided all other eligibility criteria are met. Membership fees are non-refundable unless Silo determines otherwise in exceptional circumstances. Clients may contact Silo Support with an explanation to request a refund. Each account type (Individual, Traditional IRA, Roth IRA, etc) must maintain it's own subscription to earn points.
Upgrades, Downgrades, and Cancellation
You may upgrade your plan at any time; the higher plan’s terms apply beginning with the next calendar month following the upgrade, and points accrual will reflect the upgraded plan starting that month. Downgrades and cancellations take effect at the end of the current billing cycle, and a final points credit for that cycle will be issued if eligibility requirements are met. After cancellation, no additional charges will occur unless you re-subscribe.
Points Accrual and Crediting
Monthly points are calculated using the NLV reported by IBKR as of market close on the last business day of each month, with monthly accrual equal to the annual accrual (0.5x NLV on $100,000) divided by 12; for example, an $85,000 NLV earns 42,500 points annually and is credited 3,542 points for that month. If your NLV is below $5,000 at month-end, no points will be credited for the following month. Your Silo account must be open and in good standing with IBKR at month-end and on the crediting date. Accrued points are credited to your Silo Points balance during the first ten days of the subsequent month.
Redemption
Silo Points are redeemable for cash at a rate of 100 points to $1, subject to a maximum cash redemption of 50,000 points per calendar month. Redemption requests are generally reviewed and processed within three to five business days, though processing may be extended if additional verification is required. Silo is currently in the process of adding future redemption options, including transfer partners and other rewards benefits, which may include separate terms and limits. Points do not expire while you maintain an active subscription. If all subscriptions are canceled and your brokerage account is no longer active or in good standing, points expire after 12 months of inactivity. Points are not property, have no cash value until redeemed under these terms, and are not transferable (beyond future Silo transfer partners), assignable, or sellable.
Program Modifications and Termination
Silo retains the right to modify or terminate the Program at its discretion. In the event of terminations, members will be given thirty days written notice. If the Program is terminated, Silo will honor the remainder of the current service period and prevent automatic renewal thereafter. Silo may withhold, reverse, or adjust points or redemptions in cases of error, ineligibility, suspected fraud or abuse, or manipulation of balances near month-end.
Taxes and Reporting
Redemptions, including cash equivalents or transfers to partners, may be taxable. Where required, Silo may report redemptions to the Internal Revenue Service on Form 1099-MISC or other applicable forms. You are responsible for any tax liabilities associated with points accruals and redemptions and should consult a tax advisor.
Disclosures and Limitations
Participation in the Program does not constitute investment advice and does not create an advisory relationship beyond standard advisory services. Information on Silo’s website is general in nature and should not be construed as a personalized recommendation or a solicitation to transact in securities. Silo does not guarantee the accuracy of performance projections or tools, including savings calculators or estimated earnings figures.
Social Media and Promoter Disclosures
All investing involves risk, and past performance does not guarantee future results. Silo may use paid promoters, endorsements, and testimonials on platforms such as YouTube, TikTok, and Instagram. These promoters may receive flat-fee compensation or variable compensation based on the number of clients referred, which may present a conflict of interest. Silo may issue press releases or authorize coverage by third-party publishers and may compensate such publishers with cash or soft-dollar benefits, including backlinks. Additional disclosures are available at https://www.silomarkets.com/disclosures.
Acknowledgment and Agreement
By enrolling in this Program, you confirm that you have read, understood, and agreed to all terms of this Agreement.
Silo Financial LLC is a registered investment adviser located in Austin, Texas. This Agreement is governed by the laws of the State of Texas.
Questions regarding this Program may be directed to support@silomarkets.com.
