Finwello vs Xantos

WHAT WE DO Finwello is the money app that helps you save, spend and manage money on your terms. - Save for almost anything - Spend without worry - Easily move money - Stay on top of the numbers Do some or all of it, no matter where you bank. WHO DO WE DO IT FOR? Finwello was built for Goal-Getters, Lifestyle Spenders, Comfort Seekers, AND Financial Thinkers. (Yes, that includes you!) As an employer-paid benefit, we work with companies across America who care about your financial health. HOW WE DO IT Finwello was built with your natural traits and behavior in mind. No matter how you approach money, we meet you where you are. For the GOAL-GETTERS: - Going on an adventure? Check. - Doing something special? Check. - Building your rainy day fund? You can do that too. Quickly set how much you want to save each paycheck, and we'll put it into your savings. Adjust or transfer funds at any time. For the LIFESTYLE SPENDERS: Sometimes, you need a little leeway in your life. We feel your flexibility! Connect your accounts, and let us do the heavy lifting! Finwello detects your monthly expenses and does the math to give you a personalized snapshot of what's safe to spend on what you want. For the COMFORT SEEKERS: You hate surprises -- we understand. Finwello has a built-in safety net for those moments when life doesn't always go as smoothly as you plan. We'll let you know when we detect that there isn't enough money to fund your savings. Giving you the power to choose how much of what you set aside goes to things that matter most to you. You also get real-time insights as your finances need your attention. Overdraft warnings, bill and subscription amount monitoring, and many more alerts to protect your financial well-being. For the FINANCIAL THINKERS: With your financial feed, the details you need are always at your fingertips. You can drill down on most insights, giving you in-depth information like transaction details, summaries, and more. And most transactions are interactive, giving you the freedom to control how you categorize them and set budgets as you see fit. MONEY MADE PERSONAL Want a more personalized experience? Use Finwello to discover your Money Personality. Over time, the app will adapt how it interacts with you. You'll receive recommendations and guidance that factor in your natural traits and align with your unique needs and goals. WHY DO WE DO IT? Do you know someone who approaches money differently than you? Your spouse or partner? Your parents? A brother or sister? A friend? We'll bet you do because we do too. Some people are savers, while others focus on lifestyle. Some want safety, while others are natural budgeters. The truth is we are all wired to approach money differently. And that's okay! Throw in the fact we are at different life stages, with changing priorities and distinct motivations. It's no wonder we started to ask: "Shouldn't how you manage money reflect all of that?" It should. And we think you do too. That's why Finwello was purpose-built for you.

Hi there from Xantos! We are an investment manager for the next generation of investors. As an SEC-registered adviser, we build and manage investment portfolios for everyday folks. Our mission is to offer a low minimum, low fee, and premium investing experience so anyone can invest like a pro without having to learn finance jargon! We strive for exceptional risk-adjusted returns. We are fully transparent and pragmatic in educating our clients about how and what we invest. - Premium experience: We don’t just manage your investments, we explain it all and always serve in your best interest! - Easy to use: Quickly onboard and set up an account in under 5 mins from your couch. - Simple fees: $0 performance fees. Fees are charged monthly and deducted from your account - never worry about overdraft fees with us. - SIPC protection: Our custodian is a member of FINRA/SIPC. Securities in your account are protected up to $500,000. Learn more at www.sipc.org. - No lock-in: Life happens. Cancel and close your account anytime. Disclosures: Investment Advisory Services are offered through Xantos Labs LLC (“Xantos”), an SEC-registered investment advisor. Brokerage and custodial services are offered through Alpaca Securities LLC, a FINRA/SIPC member. Nothing in this communication or the application (the “App”) should be construed as tax advice, a solicitation or offer, or recommendation, to buy or sell any security in any jurisdiction where such an offer, solicitation, or recommendation would be unlawful or unauthorized. To open an account, you must be at least 18 years of age. Links provided to other server sites are offered as a matter of convenience and are not intended to imply that Xantos Labs or its affiliates endorses, sponsors, promotes, and/or is affiliated with the owners of or participants in those sites, or endorses any information contained on those sites unless expressly stated otherwise. All investing involves risk, including possible loss of money you invest, and past performance does not guarantee future performance. Before taking action, please see our Brochure and Full Disclosures for important details. © 2026 Xantos Labs LLC. All rights reserved.