Munifi vs Ihsan Wealth

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.

Grow your savings without wondering whether they're halal. We invest your money only in Shariah-compliant funds, check every holding again each night, and have a person review any concern before we sell. The same app tells you whether any stock is halal, works out your Zakat, and helps you plan and budget. IHSAN INVEST: WE MANAGE IT FOR YOU Answer a few questions and a fiduciary builds a diversified portfolio of Shariah-compliant funds — equities, sukuk, gold and real estate — matched to your risk profile. Then we run it: • Rebalanced as markets move, so your mix stays where it should be • New deposits put to work, dividends reinvested, recurring deposits on your schedule • Optional tax-loss harvesting in taxable accounts • Individual, joint and trust accounts, plus Traditional, Roth, SEP, SIMPLE, rollover and inherited IRAs • Fund from your bank, or transfer an account from another firm and see how each holding screened • A quarterly statement, every gain and loss itemised for your tax return, and an activity log of everything we did for you The fee is the greater of $4.99 a month or 0.40% a year. No account minimum, and the Screener is included. OR CHOOSE FOR YOURSELF Prefer to pick your own stocks? A Self-Directed account has no advisory fee. We check every stock before you buy, and the buy button only works for halal ones. IS THIS STOCK HALAL? Check any US stock, free and with no limit. We test it against the AAOIFI Shariah standard, show how its status has changed over time, and your watchlist alerts you when its price or status moves. If the data isn't good enough to be sure, we say so rather than guess. A Screener subscription adds the numbers behind each result, deeper analysis, ready-made and custom screens, and side-by-side comparison of up to five stocks. ZAKAT AND PURIFICATION Work out the Zakat you owe on your investments, with nisab from today's gold or silver price and your own lunar-year date, then share it as a PDF. Purification tells you how much of your dividends and interest to give away, payment by payment, and keeps a record of what you gave. PLAN AND BUDGET • Goals — a home, Hajj, education: see the likelihood of reaching each across thousands of simulated markets, and test a what-if before you commit • Retirement planner, and a growth calculator: what could $100 become, against cash and inflation? • Budget — add entries or import a statement, see where your money goes and which charges keep repeating, set monthly targets, and get an alert when you pass one. Bank syncing is an optional subscription • Track outside brokerage and retirement accounts alongside your Ihsan account RESEARCH AND LEARNING A halal ETF library, the holdings inside the SPSK sukuk fund and a weekly research digest. Ihsan Learn teaches Islamic finance through videos, articles and a glossary. All informational, never a recommendation to buy or sell. BUILT FOR TRUST • Your assets are held by a US brokerage custodian, not by us • Face ID / Touch ID unlock, and two-factor authentication before money moves • Sign in with Apple • We do not sell your personal information SUBSCRIPTIONS Screener and bank sync are optional subscriptions that renew automatically until cancelled in your Apple Account settings. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://ihsanwealth.com/legal/privacy Available to US residents only. Ihsan Wealth is operated by 64bits LLC d/b/a Ihsan Wealth. Brokerage and custody services are provided by Interactive Brokers LLC, member NYSE, FINRA and SIPC. Investing involves risk, including possible loss of principal. Past performance does not guarantee future results. Projections are hypothetical and are not a guarantee of any particular outcome. Nothing in this app is a recommendation to buy or sell any security. Zakat and purification calculations are tools to assist you and are not a substitute for guidance from a qualified scholar.