Savvly vs Munifi

Navigating the world of retirement investments can be daunting. With countless options and unpredictable markets, ensuring a comfortable retirement on your terms often feels like a gamble. Enter Savvly, your private, market-driven social security. Investing as little as $100/month can provide you with late-life payouts designed to return 2-3x more than investing in the same funds on your own. WHY CHOOSE SAVVLY? + MAXIMIZE RETURNS: Late-life payouts consist of two sources of return: both market gains and uncorrelated long-life bonuses. + FLEXIBILITY IN RETIREMENT: Helps you retire early, spend more now, or invest more aggressively, expecting more money at your payout ages. + PEACE OF MIND: With Savvly, you don't have to worry about outliving your savings or becoming a burden on your loved ones. + TAX EFFICIENT: Savvly is designed to be tax-efficient and helps you keep more of your hard-earned money. HOW? Similar to traditional Social Security, the longer you live, the more you can get over time. When some investors withdraw or pass away early, their market returns (and in some cases, potentially a small fraction of their principle) are reallocated to other Savvly investors as a long-life bonus. DOWNLOAD THE APP TO: + ESTIMATE YOUR PAYOUTS: Play out different scenarios and compare your Savvly payouts to what you’d achieve investing in the same funds without Savvly. + LEARN ABOUT SAVVLY: Unlock bite-size lessons on how Savvly works with Sally, your Savvly AI advisor. + GET STARTED INVESTING: Get started on your investment journey by connecting with the Savvly team, right from the app. Savvly is currently available for Accredited Investors who earn more than $200k per year (or $300k per year with your spouse), have a net worth of $1M or more, or are an investment professional. HOW INVESTING IN SAVVLY WORKS: + Set up a monthly draw or invest just once. Your money is automatically invested in a low-cost ETF that tracks the S&P 500. Your investment is always held safe with the largest asset management firms, like Vanguard. + The market dictates performance with returns building over time. At your chosen payout ages you get your original investment, its market returns, and your Savvly long-life bonus determined by actuarial science — the same science insurance companies use. + You’ll get in-kind returns, so there is no tax event until liquidation, when you can take advantage of the long-term capital gains tax rate.* PARTNERS OF: Techstars, AgeTech Collaborative from AARP, and Pivotal Ventures an investment and incubation company created by Melinda French Gates. Disclosures *Savvly Advisor, LLC is not giving tax, legal or accounting advice, consult a professional tax or legal representative if needed. Savvly Advisor, LLC is an exempt reporting advisor and is the investment manager of Savvly Investment Fund 1, L.P., a 3(c)-7 fund and Savvly Investment Fund 2, L.P., a 3(c)-1 fund. Information presented is for educational purposes only intended for a broad audience. The information 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 are not guaranteed. Savvly Advisor, LLC has reasonable belief that this marketing does not include any false or material misleading statements or omissions of facts regarding services, investment, or client experience. Savvly Advisor, LLC has reasonable belief that the content as a whole will not cause an untrue or misleading implication regarding the advisor’s services, investments, or client experiences. Past performance of specific investment advice should not be relied upon without knowledge of certain circumstances of market events, nature and timing of the investments and relevant constraints of the investment. Savvly Advisor, LLC has presented information in a fair and balanced manner.

Munifi - Municipal Bond Investing for Everyone If it’s not Munifi, it’s not for municipal bonds. Munifi turns complex municipal-bond investing into a simple, personalized experience. Our AI-driven platform scans the entire muni market in real time, matches each bond’s community impact with your values and location, and optimizes for maximum federal- and state-tax savings. The result: steady, tax-free income that helps build the places you care about most. TAX-FREE INCOME - Identify bonds exempt from federal and state taxes to maximize after-tax yield - See estimated tax savings before you invest MORE INCOME THAN CDs - Tax-exempt yields can beat the top online CD rates by hundreds of basis points once you factor in state + federal savings. SUPER-SAFE APPROACH TO INVESTING - We restrict portfolios to investment-grade issuers with historically low default rates - Bonds are titled to you, in your own separate account, and held at Apex Clearing - Your investment is SIPC insured up to $500,000 so you don’t have to worry about your broker-dealer/custodian AI-DRIVEN BOND SEARCH - Proprietary models scan 100k+ munis all day long for yield, credit quality, and call risk - Instant, personalized ladders: no spreadsheets, no guesswork COMMUNITY IMPACT - Every bond includes a plain-English project story (library, senior housing, light-rail, etc.) - Search by causes: green energy, local schools, veterans, children’s hospitals, and more. SECURE CUSTODY - Assets held with SIPC-protected custodians; 256-bit encryption on every transaction - Two-factor authentication and we don’t sell your personal data to anyone HOW IT WORKS - Create Profile: Where you live, your taxable income, and causes you care about. - Review Recommendations: AI driven recommendations fit your profile - Fund & Earn: Start collecting tax-exempt income immediately - Grow & Reinvest: Add cash anytime; Munifi sources new bonds automatically KEY FEATURES - ZERO account minimums - MILLIONS of bonds analyzed daily - FOLLOW issuers and communities you care about - MATCH based on horizon and cashflow - OPTIMIZE your taxes through tax-free investing DISCLOSURE Municipal securities carry risk, including possible loss of principal. Interest may be subject to AMT or state tax in certain cases. SIPC insurance applies to the custodian, not the municipal issuer. Always consult a tax professional. Download Munifi and turn your portfolio into progress.