Siebert Financial Corp.

Retail brokerage business: Building a convenient investment channel for a wide range of retail investors, providing traditional discount brokerage services that combine online and offline. Investors can easily trade various securities products such as stocks, bonds, and funds through the company's platform. The online platform features a simple and user-friendly interface, offering real-time market data, research reports, and other decision-making tools, allowing investors to trade anytime and anywhere. Offline, professional brokers are available to provide one-on-one consulting services for clients in need, answering investment questions and formulating personalized investment strategies. Investment Banking Services: The Capital Markets Department actively provides professional equity execution services for institutional clients, ensuring efficient and precise execution of stock trades through extensive market experience and a broad market network. At the same time, it deeply participates in the underwriting of equity and fixed income securities, assisting companies in raising funds through the capital markets. From initial project evaluation and plan design to mid-term roadshow promotion and pricing issuance, and finally to post-sale support, a full-process service is provided. For example, in the initial public offering (IPO) project of a certain emerging technology company, Siebert Financial Corp. was responsible for the underwriting work, successfully helping the company raise the funds needed for development. Special Services: The subsidiary Xibote Women's Financial Network specifically targets women's financial needs, customizing exclusive products, services, and information. Considering the unique aspects that women may have in investment goals, risk preferences, and other areas, it offers specialized services including wealth planning, education fund reserves, and retirement planning. At the same time, it develops intelligent investment advisory technology, utilizing algorithms and artificial intelligence to provide clients with automated, personalized investment advice, lowering investment thresholds and improving service efficiency. It also ventures into the insurance services sector through its subsidiaries, offering various insurance product sales and consulting to safeguard clients' assets.

Commission income: In the retail brokerage business, when retail investors conduct securities transactions through the company's platform, Siebert Financial Corp. charges a certain percentage of commission based on the transaction amount or the number of trades. As the number of clients increases and trading activity rises, commission income continues to grow. For example, active trading clients frequently buy and sell stocks each month, contributing significant commissions to the company. Underwriting and Service Fees: In terms of investment banking services, underwriting fees are charged when assisting companies with the underwriting of stocks and fixed income securities, and these fees are usually linked to the amount of financing. Service fees are also charged for providing services such as stock execution to institutional clients. Consultation and management fees: For specialized services, such as providing wealth planning consultation for female clients, a consultation fee is charged; in the smart investment advisory business, a certain percentage of management fees is charged based on the client's asset scale. Insurance services generate commission income through the sale of insurance products.

Transaction commission income model: provides the company with stable cash flow to maintain daily operations and business expansion. Continuous commission income ensures platform technology upgrades, optimizes trading experience, attracts more customers, forms a virtuous cycle, and enhances competitiveness in the retail brokerage field. Underwriting and service fee model: Assisting companies in deeply participating in capital market operations and enhancing industry influence. By successfully underwriting projects, establishing good cooperative relationships with enterprises and institutions, expanding business opportunities, and promoting the development of investment banking business. Consulting and management fee model: Meet the diverse and personalized needs of clients, enhancing customer loyalty. Consulting and management service revenue opens up new profit growth points for the company, promotes business diversification, and enhances overall profitability.

Impact of Market Capital Flow: When a company performs well in the financial market, such as successfully assisting large enterprises in financing through investment banking, and experiencing significant growth in the number of clients and trading volume in retail brokerage, it attracts investor attention, leading to capital inflow into the company's related financial products. When the total amount of market capital is constant, the inflow of funds into the cryptocurrency market may decrease, putting downward pressure on cryptocurrency prices. Conversely, if the company's performance is poor, investors may withdraw funds from the company's business, with some flowing into the cryptocurrency market, providing slight upward momentum for cryptocurrency prices. Industry trends and investor preferences impact: If the company actively explores innovations in the fintech field, such as enhancing the application of smart investment advisory technology, it may trigger discussions on innovation trends in the financial industry. If the market believes that the prospects for fintech development are broad, some investors may adjust their investment portfolios, withdrawing funds from the relatively high-risk cryptocurrency market and investing in traditional financial sectors related to fintech, which would affect the demand and price of the cryptocurrency market.