A. Description of the Advisory Firm Silo Financial LLC (hereinafter “Silo”) is a Limited Liability Company organized in the State of Texas.
The firm was formed in May 2022, and the principal owner is Hariharan Jayakumar.
B. Types of Advisory Services Silo provides “robo-advisory” portfolio management services through an online interface. This entails the use of algorithm-based portfolio management advice, rather than in- person investment advice. These automated investment solutions are customized to each client and based on individual characteristics, such as the client’s marital status, risk tolerance, income, and current assets, among others. Silo’s investment advisory personnel oversee the algorithm but may not monitor each client’s account. Clients are encouraged to update their account/questionnaire with any change in their objectives, risk tolerance, or other pertinent information, as that information factors into the portfolio’s composition.
Silo also offers the opportunity for customers to purchase individual bonds. Customers can search and purchase any corporate or government bond available on the platform in a self-direct fashion.
Silo uses customer suitability information from their profile to assign scores to each bond by maturity. Customers can search for any company or government and see each bond by maturity as well as its respective suitability score.
Services Limited to Specific Types of Investments Silo generally limits its investment advice to fixed income securities and treasury inflation protected/inflation linked bonds, although Silo primarily recommends fixed income. Fixed income securities include corporate and government bonds.
Written Acknowledgement of Fiduciary

Status We also have a fiduciary duty under the Investment Advisers Act of 1940 with respect to all client accounts. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours. Under this special rule’s provisions, we must: Meet a professional standard of care when making investment recommendations (give prudent advice); ● Never put our financial interests ahead of yours when making recommendations (give loyal advice) ● Avoid misleading statements about conflicts of interest, fees, and investments ● Follow policies and procedures designed to ensure that we give advice that is in your best interest ● Charge no more than is reasonable for our services; and ● Give you basic information about conflicts of interest.
C. Client Tailored Services and Client Imposed Restrictions Silo provides online “robo-advisory” portfolio management. This automated approach factors in clients’ financial situation and risk tolerance, although the algorithms used to provide advisory services are designed to be utilized by Silo across multiple clients. Due to our use of suitability scores, client’s have the last say in deciding which securities to purchase and can invest in securities in accordance with their values and beliefs.
D. Wrap Fee Programs A wrap fee program is an investment program where the investor pays one stated fee that includes management fees and transaction costs. Silo does not participate in wrap fee programs.
E. Assets Under Management Silo has the following assets under management: Discretionary Amounts: Non-discretionary Amounts: Date Calculated: $0$23,766April 2024