Retired.com vs PayFargo

Retire with Freedom. Diversify your retirement with stocks, ETFs and 100+ cryptocurrencies through a self-directed retirement account. All in one simple platform. Invest in stocks and ETFs with $0 trading commissions, and crypto with a 1% transaction fee. No monthly account, maintenance or platform fees for stock, ETF and crypto investing. Open a new IRA, transfer an existing IRA or start a rollover from an eligible old 401(k), with real specialists to help you along the way. MORE WAYS TO BUILD YOUR RETIREMENT • Stocks: Invest in U.S. companies through your retirement account. • ETFs: Diversify your investments with exchange-traded funds. • Crypto: Buy & sell 100+ cryptocurrencies, optimize your portfolio with prebuilt crypto bundles or create your own, earn yield by staking eligible crypto. Rewards vary and are not guaranteed. • Self-directed IRAs: Choose a Traditional or Roth IRA and take control of your investment choices. SIMPLE PRICING FOR STOCKS, ETFs & CRYPTO • $0 monthly account fee • $0 maintenance or platform fees • $0 account setup fee • $0 stock and ETF trading commissions • 1% crypto transaction fee Portfolio tools and human support are included. Additional services may carry separate fees. Full fee schedule: retired.com/policies/fee-schedule. BRING YOUR RETIREMENT ACCOUNTS TOGETHER Transfer an existing IRA or start a rollover from an eligible old 401(k). Our specialists can help you understand the process, complete the steps and fund your account. You can also open a new IRA and fund it with an eligible contribution. OPTIMIZE YOUR PORTFOLIO WITH CRYPTO BUNDLES Build a crypto portfolio around your investment strategy. Choose a prebuilt crypto bundle or create your own with eligible cryptocurrencies, then automate rebalancing to help maintain your chosen allocation. EARN YIELD THROUGH STAKING Put eligible crypto to work through staking and earn potential rewards in your retirement account. Reward rates vary and are not guaranteed. Eligibility, fees and lockup periods depend on the asset and account type. MORE CONTROL OVER YOUR CRYPTO • Limit orders: Set your preferred price for buying or selling crypto. • Automatic rebalancing: Choose a schedule that works for your strategy. INVEST BEYOND YOUR IRA Eligible customers can open a Freedom Account™ to manage taxable crypto investments alongside retirement accounts from one dashboard. SECURITY BUILT IN • Two-factor authentication to help protect account access. • Stock and ETF brokerage services through Interactive Brokers, a FINRA/SIPC member. • Regulated retirement account custody through Digital Trust. • Cold storage and multi-signature protections for supported digital assets. Security measures and coverage vary by asset and custody solution. SIPC protection does not cover crypto assets or investment losses. REAL PEOPLE. EVERY STEP OF THE WAY. Get help opening, funding and maintaining your account. Connect with a real specialist by phone, email or chat, with support as you get started and as your needs change. BUILT ON RETIREMENT EXPERIENCE $12B+ in assets under custody* and a community of 250,000+ members. Download Retired.com and retire with freedom. Visit retired.com or call 1-800-RETIRED. *Assets under custody across Retired.com consumer brands as of May 18, 2026. Community figures reflect Retired.com consumer brands. Investing involves risk, including possible loss of principal. Diversification and rebalancing do not guarantee profits or prevent losses. Staking involves additional risks and rewards are not guaranteed. Features and eligibility vary by account type and asset. Retired.com is a technology platform, not a bank, broker-dealer or custodian. Terms, custodial agreements and risk disclosures: retired.com/policies © 2026 Retired.com. All rights reserved.

PAYFARGO is a secure international money transfer and bill payment app that enables users to send funds and pay essential expenses for family, friends, and businesses across multiple countries. The app offers fast cross-border transfers, utility bill payments, mobile top-ups, real-time exchange rates, transaction tracking, and multiple payment options including bank cards and Apple Pay. PAYFARGO is designed to provide a simple, reliable, and convenient financial solution for users supporting loved ones abroad through an easy-to-use mobile experience.