Portfolio

2026 IRA contribution limits

$7,000 if under age 50
$8,000 if age 50 or older (catch-up)
Shared across all your IRAs (Roth + Traditional combined)
Roth direct-contribution income phase-out: $168K single / $252K MFJ

Limit is your responsibility for tax purposes — we don't enforce it at the transfer step.

Cash

Sweep Account

earning variable APY

What's a sweep account?

Uninvested cash that auto-rolls into a money-market / cash-management program so it earns interest while waiting to be deployed. The balance moves back to your Cash card the instant you place a buy. FDIC- or SIPC-insured depending on the program.

Investments Value

Day P&L

Yearly Dividend Income

Yearly Dividend Payout

received in last 12 months

Dividend Earnings

Account Status PDT flagged

Date	Symbol	Type	Amount	Status

No dividend payments yet.

Make a Purchase Fill out the form to place an order.

Funding source

Submits a market buy funded by your dividend pool. Capped at .

Symbol

bid · ask

Amount in

Quantity

Fractional allowed (e.g. 0.5) on eligible stocks & ETFs.

Amount ($)

Placed as a market order, good for the day. Fractional-eligible assets only.

Limit price

Stop price

Trail (percent)

…or set Trail price below. Use one, not both.

Trail (price, $)

Type

Time in force

Side

Company Information

Loading company info for …

No profile data available for .

Headquarters
Industry
Exchange

Piotroski → is the business healthy?

Altman → can it survive?

Beneish → are the numbers real?

Not applicable — no 10-K fundamentals filed with the SEC. Common for ETFs, foreign-only ADRs, and crypto pairs.

· X₁ Working Capital / Assets:
· X₂ Retained Earnings / Assets:
· X₃ EBIT / Assets:
· X₄ Market Value / Liabilities:
· X₅ Sales / Assets:

Formula: Z = 1.2·X₁ + 1.4·X₂ + 3.3·X₃ + 0.6·X₄ + 1.0·X₅. Classic 1968 model; calibrated on public manufacturers, may misclassify financials / asset-light services.

Not applicable — the classic Z inputs (working capital, retained earnings, market value of equity, etc.) aren't fully tagged in this issuer's XBRL. Common for ETFs, banks / financials, and small filers.

· DSRI Days Sales in Receivables:
· GMI Gross Margin Index:
· AQI Asset Quality Index:
· SGI Sales Growth Index:
· DEPI Depreciation Index:
· SGAI SG&A Index:
· LVGI Leverage Index:
· TATA Total Accruals / Assets:

Beneish (1999) probit model. Threshold M > -1.78 flags potential manipulation. Hypergrowth companies get false positives (huge SGI); calibrated on non-financial firms.

Not applicable — needs two consecutive 10-Ks with receivables, PP&E, depreciation, and SG&A tagged. Not meaningful for banks, insurers, REITs, or ETFs.

Pick a ticker above to load company details.

News & Communications

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No recent news for .

No matches in the screener catalog. Type the ticker directly into the Symbol field above.

Investment Screener Browse stocks, ETFs, and bonds / click a row to fill the Symbol field. Prices are live. Loading live prices… shown

Risk profile High

Reward profile High

What's a bond? A loan you make to a government, municipality, or company. They pay you regular interest (the coupon) and return your principal when the bond matures. Bonds historically swing less than stocks — they're the calmer, income-producing core of a long-term portfolio. Alpaca's Broker API doesn't yet support trading individual Treasury or corporate bonds, so we surface two exchange-traded alternatives:

Bond ETFs — pre-made baskets of hundreds of bonds, low expense ratios, intraday liquidity. Tradable today (TLT, BND, AGG, HYG, etc.).
Bond CEFs — closed-end bond funds that trade on exchange like a stock, often use leverage to boost yield (PIMCO PDI, DoubleLine DSL, etc.). Higher yields, but higher volatility too. Tradable today.

Looking for traditional bond mutual funds (Vanguard VBTLX, Dodge & Cox DODIX, PIMCO PIMIX)? See the Mutual Funds tab — they're listed there for research, not currently tradable via Alpaca.

Risk profile Low

Reward profile Low

What's a mutual fund? An open-end fund where investors buy and sell shares directly with the fund company at the day's closing NAV (net asset value). Mutual funds are professionally managed, hold hundreds of underlying securities, and come in every flavor — broad index, sector, balanced, bond. They predate ETFs by half a century and remain the dominant vehicle inside most 401(k)s and IRAs.

⚠ Not currently tradable via Alpaca. Mutual fund orders settle directly with the fund company (T+1, end-of-day NAV) — a workflow Alpaca's Broker API doesn't yet support. The 30 funds below are listed for research, comparison, and future-broker portability — if you migrate to Schwab, Fidelity, or Vanguard later these symbols carry over.

Risk profile Medium

Reward profile Medium

What's an ETF?

An Exchange-Traded Fund is a pre-made basket of stocks (or bonds, commodities, or crypto) that trades on the stock market just like a single share. Buying one share of SPY, for example, gives you exposure to all 500 companies in the S&P 500 — instant diversification without buying each one yourself. ETFs are professionally managed, charge a small annual fee (the expense ratio), and many pay out dividends/distributions. Use the tabs below to browse by theme — broad index, sector, dividend income, bonds, international, commodities, crypto, or thematic strategies.

Will I be charged a yearly fee?

Every ETF charges an annual expense ratio, but it's invisible. You don't get a bill, and Alpaca doesn't deduct anything visible from your account. The fund manager (BlackRock, Vanguard, Schwab, etc.) skims it directly off the fund's assets every day, so the ETF's price already reflects the fee. You just see slightly lower returns over time.

Rough cost on $1,000 invested for one year:

Fee	Cost / year on $1,000
0.03% (VOO, IVV, BND)	$0.30
0.09% (SPY, SCHD)	$0.90
0.20% (QQQ)	$2.00
0.35% (JEPI, JEPQ)	$3.50
0.75% (ARKK, thematic)	$7.50
1.50% (GBTC)	$15.00

What's a stock?

One share = one tiny ownership stake in a company. Prices move every second as buyers and sellers haggle over what the business is worth. Some companies — the Magnificent 7 (Apple, Microsoft, Nvidia, etc.), dividend aristocrats, mature blue chips — return cash to shareholders regularly as dividends. Others reinvest every dollar into growth and pay nothing. Stocks are the loudest, most volatile slice of a portfolio: higher long-run returns historically, deeper drawdowns along the way. Use the tabs below to browse by theme — Mag 7, dividend payers, low-price names, crypto pairs, or hand-roll your own filter.

outperforming / underperforming comparable peers up to the last 4 yrs.

New to the markets? Start here.

A quick orientation to what each tab means and how to pick your first position with confidence.

Build a Portfolio

Stocks or ETFs?

Both

If a stock is an easter egg then an ETF is an easter basket. You want a solid mix of both.

An ETF bundles many stocks into one ticker — buy SPY and you own a sliver of the 500 biggest US companies. A stock is a single company. ETFs are the standard starting point for first-time investors because one purchase gets you instant diversification.

Review a test portfolio

Review these starter portfolios — the goal is to start strategically. You don't have to be loaded, you just have to learn.

View Starter Portfolio →

Make a Wish List!

Make a wishlist of the assets you wish to purchase later, and when dividends are deposited into your account they will be used to make your purchases.

Use Filters to narrow the field

Use the filter tabs to review the different types of investments you can purchase.

Make a purchase

Once you've found a position you understand, use the order form to set your quantity and submit the trade. Start small — every purchase teaches you something the next one won't have to.

Hold and reinvest

The hard part is doing nothing. Let dividends compound, ignore daily price noise, and revisit your holdings on your own schedule — not the market's.

Rule of thumb for your first deposit: one broad index ETF (Index tab) + one dividend ETF (Dividend tab) covers ~80% of what most starter portfolios hold.

No candidates match.

Recent orders

No orders yet.

No orders in .

Symbol	Portfolio	Side	Book	Qty	Type	Limit	Status	Submitted
	—

Logos provided by Logo.dev

Portfolio:

Portfolio

Dividend Balance

Available Balance

Sweep Account

earning variable APY

What's a sweep account?

Total Spent

cost basis of open positions

Portfolio Value

Total Profit & Loss

Day's Change

Position/Assets

Yearly Dividend Income

Yearly Dividend Payout

received in last 12 months

10-Year Growth Projection

Starts from your current portfolio value () and projects compounded returns across three scenarios. Dividend yield ( annualized) is added on top of each price-appreciation assumption — assumes reinvestment.

Filter by Stock Percentage

Visual analytics that shows your portfolio composition.

Industries

Filter by Dividend Income

Assets that yield dividends/income.

Dividend industries

Allocation by Share Price

How your capital is distributed across price tiers.

Price tiers

Securities

Stocks

ETFs

Bonds

Mutual Funds

No open positions yet.

												Activity
			Dividend King Aristocrat

Portfolio Performance Equity over the past month.

No history yet — fund the account or place a trade to start the curve.

Loading performance…

Account Activity Fills, deposits, dividends, fees. Newest first.

No activity yet. Place an order or make a deposit to see events here.

Loading activity…

Security

Two-factor authentication is required on every sign-in.

Authenticator app (TOTP)

Enabled Not enrolled

Check the holdings you want to receive dividends. The pool stays at ; checked symbols split it in proportion to what's already in your portfolio.

	Symbol	Weight	Buy

No positions to DRIP into.

Ready to finance your future?

Adults

Start here Experimental

Brokerage

A standard taxable account with maximum flexibility — anyone can open one, no contribution or income limits. Buy, sell, and withdraw any time, with access to margin and options once approved. The most experimental and highest risk/reward of all account types.

High risk / high reward and experimental.
Maximum risk / reward.
Standard / fully taxable — anyone can open one, no contribution or income limits.
Full flexibility — buy and sell anytime, withdraw cash on demand, no early-withdrawal penalty.
Capital gains tax applied to sales:
- < 1 yr: income tax rate applied (short-term).
- > 1 yr (long-term):
  - 0% — up to $49,450 single / $98,900 married filing jointly.
  - 15% — above the 0% threshold up to $545,500 single / $613,700 married filing jointly.
  - 20% — above the 15% threshold.
Dividends taxed annually — qualified dividends at long-term rates, ordinary dividends as income.
Margin and options available (with approval) — leverage tools not allowed in retirement accounts.

Moderate

Roth IRA

A retirement account where contributions are post-tax and qualified withdrawals are 100% tax-free. Built for long-term, tax-free growth — ideal if you expect to be in a higher tax bracket later in life. 2026 contribution limit is $7,000 ($8,000 if 50+).

Like a flexible 401(k), but tax-free.
Tax-free growth — contributions are post-tax, qualified withdrawals are 100% tax-free.
Qualified withdrawals:
- Contributions: any time, any age — or, if disabled or a first-time home-buyer, up to $10K.
- Earnings: after the account has been open ≥ 5 years AND you're at least 59½.
2026 contribution limit: $7,000 ($8,000 if 50+), combined across all IRAs you own.
Earned-income requirement — wages or self-employment up to your contribution; investment income doesn't count.
Income phase-out for 2026 — direct contributions stop above $168,000 single / $252,000 married filing jointly.
No required minimum distributions — can keep growing tax-free for your lifetime.

Moderate

Traditional IRA

A retirement account with tax-deferred growth — contributions may be pre-tax (deductible) and withdrawals in retirement are taxed as ordinary income. Best for lowering your taxable income today. Same $7,000 contribution limit as Roth IRA (2026), with required distributions starting at age 73.

Tax-deferred growth — contributions may be pre-tax (deductible), withdrawals in retirement are taxed as income.
2026 contribution limit: $7,000 ($8,000 if 50+), shared with any Roth IRA contributions.
Deduction phase-out if you have a workplace plan — full deduction stops around $87K single / $143K MFJ (2026).
10% early-withdrawal penalty before age 59½ in addition to income tax; exceptions for first home, education, disability.
Required minimum distributions start at age 73 — must take a yearly distribution even if you don't need the cash.

Kids

Conservative

UGMA — Uniform Gifts to Minors Act

A custodial brokerage account that legally belongs to a minor from day one, with a parent or guardian managing the assets until the child reaches the state's age of majority (usually 18 or 21). Holds cash, stocks, bonds, and mutual funds. The transfer to the child is irrevocable.

Any-purpose investment plan with younger-age asset transfer.
Custodial brokerage — Parent / Guardian manage the assets, but the child legally owns them from day one.
Assets transfer to the child at the state's age of majority (usually 18 or 21) — the transfer is irrevocable.
Limited assets — holds cash, stocks, bonds, mutual funds; no real estate or "complex" assets (those are UTMA-only).
Kiddie tax — first ~$1,300 of unearned income is tax-free, next ~$1,300 at the child's rate, anything above at the parent's rate.
No contribution limit — but gifts above the annual exclusion (~$19K/yr per donor in 2026) trigger a gift-tax return.

Conservative

UTMA — Uniform Transfers to Minors Act

The modern, broader version of UGMA — same custodial structure but can hold basically any asset class, including real estate and intellectual property. Age of majority varies by state (often 21, up to 25 in some). Available everywhere except South Carolina.

Any-purpose investment plan with older-age asset transfer and asset flexibility.
Custodial — same structure as UGMA: you manage, the child owns.
Broader asset support — can hold real estate, intellectual property, partnerships, basically anything UGMA can't.
Same kiddie-tax treatment as UGMA — first ~$1,300 tax-free, next ~$1,300 at child's rate, above at parent's.
No contribution limit — same annual-gift-exclusion rules apply for gift-tax reporting.
Age of majority varies by state — often 21, can extend to 25 in some states; transfer is irrevocable.

Conservative

529 — Education Savings Plan

A state-sponsored education savings plan with tax-deferred growth and tax-free withdrawals for qualified education expenses (tuition, room & board, books, even K-12 tuition up to $10K/yr). Many states offer a contribution deduction. Unused funds can roll to a Roth IRA up to $35K lifetime under SECURE 2.0.

Tax-deferred growth + tax-free qualified-education withdrawals — tuition, room & board, books, even up to $10K/yr of K-12 tuition.
High contribution caps — state plans typically allow $300K–$550K lifetime per beneficiary.
Often a state income-tax deduction or credit on contributions (varies by state).
Beneficiary is flexible — can be changed to a sibling, cousin, or even yourself; unused funds roll to Roth IRA up to $35K lifetime under SECURE 2.0.
Non-qualified withdrawals — earnings taxed as ordinary income plus a 10% penalty; the principal you contributed is never penalized.

Disclaimer: The information on this page is provided for educational purposes only and is not personalized investment, tax, or legal advice. For tailored guidance, consult a licensed financial advisor, tax professional, or attorney.

Yearly changes: Contribution limits, income phase-outs, capital-gains brackets, and other thresholds shown here reflect the 2026 tax year and are subject to annual IRS adjustments. Always verify current figures before making contribution, withdrawal, or planning decisions.

Contact Us

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Documents

Terms of Service

Effective: June 26, 2026 · Last updated: June 26, 2026

The 90-second version

broke 2Brokerage is a technology platform. Your brokerage account is opened, custodied, and operated by Alpaca Securities LLC, a registered broker-dealer and member of FINRA and SIPC.
You make your own investment decisions. We don't give investment advice. We don't tell you what to buy. Anything you see on the platform — including what other users hold — is information, not a recommendation.
Investing involves risk. You can lose money, including all of it. Past performance does not guarantee future results.
By using broke 2Brokerage, you agree to these terms. If you don't agree, don't use it.
You're responsible for your account. Keep your password and TOTP codes private. Use a strong password. Don't share access.
We can suspend or close your account for things like fraud, abuse, or violating these terms. We'll tell you why when we can.
Disputes go to arbitration. Not class actions. Details in Section 16.

If you want details, keep reading.

1. Who we are

broke 2Brokerage is operated by Feather & Fire LLC ("broke 2Brokerage," "we," "us"). We provide a technology platform for managing a self-directed brokerage account.

We are not a broker-dealer. Securities are offered through Alpaca Securities LLC and/or Alpaca Clearing LLC (together, "Alpaca"), a registered broker-dealer and member of FINRA and SIPC. Alpaca opens, custodies, and operates your securities account, executes your trades, holds your cash, and issues your statements.

When you open an account through broke 2Brokerage, you also agree to:

Alpaca's Customer Agreement
Alpaca's Account Application Disclosure
Alpaca's Margin Agreement (required even on cash-only accounts)

Those are between you and Alpaca. These Terms of Service are between you and us.

2. Eligibility

To use broke 2Brokerage, you must:

Be at least 18 years old
Be a US resident with a valid US tax identification number (SSN or ITIN)
Be legally capable of entering into a contract in your state
Not be on any US sanctions list (OFAC SDN list, etc.)
Not be subject to any account restriction imposed by Alpaca, FINRA, or any regulator
Have an email address you control and can verify

For UGMA/UTMA custodial accounts, you (the custodian) must meet the above. The minor doesn't need to.

3. Your account

Registration

You agree to:

Provide accurate, current, and complete information
Promptly update info that changes (especially address, employment, financial profile)
Not register more than one account per person (unless explicitly authorized — e.g., a custodial account for a different beneficiary)
Not let anyone else use your account

Security

You are responsible for:

Keeping your password and TOTP codes confidential
Notifying us immediately at featherandfire@outlook.com if you suspect unauthorized access
All activity that occurs under your credentials

We require two-factor authentication. We will never ask for your password, TOTP code, or recovery codes via email, phone, or chat. If anyone does, it's not us.

Identity verification

When you submit your KYC application, we forward it to Alpaca for identity verification. Alpaca may approve, deny, or request additional information. We don't make the approval decision — Alpaca does, under their CIP (Customer Identification Program) obligations as the broker-dealer of record.

If Alpaca denies your application, we'll let you know. We can't override that decision.

4. The platform

What we provide

A user interface for managing your Alpaca brokerage account
Tools to research stocks (screener, charts, company profiles, news)
Order placement, deposit, withdrawal, and transfer interfaces (which submit to Alpaca for execution)
Optional features like dividend wallet, recurring investments, beneficiary management
Educational content
Social features (if and when launched) — see Section 7

What we don't provide

Investment advice. We don't recommend specific securities, portfolios, or strategies.
Tax advice. We're not your tax advisor; the dividend and gain/loss views are for your reference, not tax filing.
Legal advice. Our agreements are written plainly but they're not a substitute for a lawyer.
Custody. Your money and securities are held by Alpaca, not us.
Trade execution. Alpaca executes; we just submit your instructions.

5. Self-directed trading

Your account is self-directed. This means:

You decide what to buy and when
You decide what to sell and when
You decide how much to invest
You decide how to allocate across accounts (Brokerage, Roth IRA, etc.)

We provide information — prices, market cap, news, what's in the screener — but information is not advice. We don't know your full financial situation, your tax position, your time horizon, or your goals. Only you do.

If you want personalized investment advice, work with a Registered Investment Adviser (RIA). We're not one.

6. Investing involves risk

Investing in securities involves substantial risk, including the risk of losing all or part of the money you invest. Specifically:

Stock prices fluctuate. They can go to zero.
Past performance is not a guarantee of future returns.
Diversification reduces but does not eliminate risk.
Market events, economic conditions, and company-specific events can cause sudden, large losses.
Dividends are not guaranteed and can be cut or eliminated by issuers.
ETFs and mutual funds carry expense ratios, tracking errors, and other costs that affect returns.
Margin trading amplifies both gains and losses and can result in losses greater than your initial investment.

You should only invest money you can afford to lose. If you're unsure whether investing is right for you, talk to a financial professional who can review your full situation.

7. Social features

The platform may show you information about what other broke 2Brokerage users hold or are buying ("social features"). This information is:

Not investment advice from us, from Alpaca, or from those users
Not a recommendation to buy, sell, or hold any security
Not a guarantee that those users will be right — they can lose money on those positions

Don't blindly copy what other users do. Your circumstances are different.

We may anonymize or aggregate trading activity for display. You can opt out of having your activity shown to others in your account settings (when available).

8. Fees

broke 2Brokerage is currently free to use.

We do not charge a subscription or platform fee at this time. We may introduce fees in the future (for example, a subscription or premium tier). If we do, we'll give you at least 30 days' notice by email before any fee takes effect. As always, you're free to close your account at any time (see Section 18).

A few things to know either way:

No commissions on equity trades. (Market makers may take a small spread on execution, which is normal for all retail brokers — see Alpaca's disclosures for details.)
Order execution and payment for order flow. broke 2Brokerage does not itself receive payment for order flow. Your trades are executed by Alpaca; like most commission-free brokers, Alpaca may receive payment for order flow or otherwise earn on execution. See Alpaca's disclosures for details. We disclose how this works rather than obscure it.
Pass-through fees still apply. Certain Alpaca charges — such as outgoing wire transfers, returned ACH transfers, or paper statements — are not ours, but may be passed through to you. These are listed in Alpaca's brokerage fee schedule.

9. Acceptable use

You agree NOT to:

Use the platform for any illegal purpose
Misrepresent your identity or any account information
Reverse-engineer, decompile, or scrape the platform beyond what's allowed by robots.txt
Use bots, scripts, or other automated means to interact with the platform (unless we explicitly authorize an API)
Attempt to gain unauthorized access to any account or system
Interfere with the platform's operation (DDoS, abuse rate limits, etc.)
Use the platform to manipulate markets, engage in wash trading, layering, spoofing, or any other prohibited trading practice
Use the platform on behalf of someone else without our written authorization
Resell, sublicense, or commercially exploit the platform

Violations can result in immediate account suspension or closure, and may be reported to Alpaca or law enforcement.

10. Intellectual property

The platform — including all software, designs, text, graphics, and trademarks — is owned by broke 2Brokerage or its licensors. You get a limited, revocable, non-transferable license to use it for your personal investing.

You retain ownership of content you submit (questions to support, beneficiary designations, etc.).

Stock data, company profiles, logos, and similar information come from third-party data providers and from Alpaca, and are subject to their terms.

11. Suspension and termination

When we can suspend or close your account

You violate these Terms or Alpaca's customer agreement
We're required to by law or regulator
We reasonably believe your account is being used for fraud, money laundering, or other illegal activity
Your KYC information becomes outdated and you don't update it after we ask
Inactivity for 24+ months
Alpaca closes your underlying brokerage account for any reason

When we suspend or close, we'll tell you why if we can. Some reasons (suspected fraud, regulatory requirement) may legally prevent us from explaining.

When you can close your account

You can close anytime by emailing featherandfire@outlook.com. We'll initiate Alpaca's account-closure process. You'll need to transfer or sell holdings and withdraw cash before closure can complete (Alpaca's rules).

After closure

We keep KYC and transaction records for at least 6 years (SEC requirement).
All other data is deleted within 90 days unless legally required.
See our Privacy Policy for details.

12. Disclaimers

THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

WE DO NOT WARRANT THAT:

The platform will be uninterrupted, secure, or error-free
Information shown is accurate, complete, or current (market data and company info come from third parties on a best-effort basis)
Bugs will be fixed within any specific time
The platform will be available in all locations or at all times

Market data can be delayed, incorrect, or unavailable. Always confirm critical decisions against your account on Alpaca's side and against authoritative sources before acting.

13. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

We are not liable for any investment losses you incur. The market does what the market does. We don't promise gains.
We are not liable for indirect, incidental, special, consequential, or punitive damages.
Our total liability to you for any claim arising out of or relating to the platform is limited to the greater of $100 or the fees you paid us in the 12 months preceding the claim.
Nothing in these Terms limits liability for fraud, willful misconduct, or anything that can't be limited by law.

14. Indemnification

You agree to indemnify and hold broke 2Brokerage, its officers, employees, and affiliates harmless from any claim, loss, damage, or expense (including reasonable attorneys' fees) arising from:

Your violation of these Terms
Your violation of any law or third-party right
Your use of the platform in ways outside the scope of these Terms
Inaccurate information you provided
Activity that occurs under your account credentials

15. Independent contractor / no agency

We are not your agent, fiduciary, trustee, or attorney. Nothing in these Terms creates a partnership, joint venture, or employment relationship. Alpaca is a separate company; we don't speak for them and they don't speak for us.

16. Disputes — arbitration and class-action waiver

Your relationship with us matters. Resolving your concerns fairly and promptly is one of our top priorities, and we will always work with you in good faith to understand and remedy any issue before it becomes a formal dispute.

If you have a concern, email featherandfire@outlook.com and we'll do our best to make it right. If a dispute still can't be resolved that way:

Binding arbitration

Any dispute arising out of or relating to these Terms or the platform will be resolved through binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. The arbitrator's decision is final and enforceable in court. The seat of arbitration is Iowa. Each side bears its own costs unless the arbitrator orders otherwise.

Class-action waiver

YOU AND BROKE 2BROKERAGE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE ACTION.

Exceptions

Regardless of the above, you can always report concerns to FINRA, the SEC, your state securities regulator, or any other government authority.

Opt out

You can opt out of arbitration within 30 days of first agreeing to these Terms by emailing featherandfire@outlook.com with the subject "Arbitration opt-out" and your account email. Opting out doesn't affect any other provision of these Terms.

17. Governing law

These Terms are governed by the laws of Iowa, without regard to conflict-of-laws principles.

18. Changes to these Terms

We may update these Terms. When we do:

We'll update the "Last updated" date at the top.
If the change is material (affects your rights or obligations), we'll notify you by email at least 30 days before it takes effect.
Continued use after the effective date means you accept the updated Terms.
If you don't accept a change, close your account before the effective date.

19. Miscellaneous

Severability. If any part of these Terms is unenforceable, the rest stays in effect.
Entire agreement. These Terms (plus the Privacy Policy and any agreements with Alpaca) are the complete agreement between you and broke 2Brokerage about the platform.
No waiver. If we don't enforce a provision, that's not a waiver of our right to enforce it later.
Assignment. You can't assign these Terms. We can, with reasonable notice (e.g., in a merger or acquisition).
Survival. Sections about disclaimers, liability, indemnification, and disputes survive termination.

20. Contact

Support / security / legal: featherandfire@outlook.com

Mail: Feather & Fire LLC, c/o Registered Agents Inc, 6701 Corporate Dr Ste R, Johnston, IA 50131

For broker-dealer issues (account opening, trade execution, custody), contact Alpaca at alpaca.markets/support.

Privacy Policy

Effective: June 26, 2026 · Last updated: June 26, 2026

The 90-second version

broke 2Brokerage is a technology platform. Securities are offered through Alpaca Securities LLC and/or Alpaca Clearing LLC, a registered broker-dealer and member of SIPC. Alpaca holds your account, executes your trades, and is the custodian of your money and securities.
We collect what you give us (name, email, SSN, address, financial profile, etc.) so Alpaca can open and maintain your brokerage account, and so we can give you the platform experience.
We forward your identity info to Alpaca. That's how a brokerage account gets opened.
We don't sell your data. Not to advertisers, not to data brokers, not to anyone.
We follow a principle of least access. We collect only what we need, share only what's necessary, and let only authorized people touch it.
You can ask us to show you what we have on you, or to delete it. Email featherandfire@outlook.com and we'll respond within 30 days.

If you want details, keep reading.

1. Who we are

broke 2Brokerage is operated by Feather & Fire LLC ("broke 2Brokerage," "we," "us"). We provide a technology platform that helps you open and use a brokerage account.

We are not a broker-dealer. Your securities account is opened, maintained, and custodied by Alpaca Securities LLC and/or Alpaca Clearing LLC (together, "Alpaca"), a registered broker-dealer and member of FINRA and SIPC. Alpaca executes your trades and holds your cash and securities. Their privacy practices are governed by Alpaca's own privacy policy, available at alpaca.markets/disclosures.

Our relationship with you: We provide the user interface, your account dashboard, the screener, dividend tools, and other software. We do not give investment advice. We do not custody money. We do not execute trades.

2. Our approach to your data

We operate on two principles:

Data minimization — we collect only the information needed to open your account, keep it secure, and run the platform. We don't collect data "just in case."
Least access — your information is shared only with the parties who genuinely need it (the broker, and a small set of operational service providers), and internally it's accessible only to authorized personnel, only when required.

3. What we collect

Things you give us directly

When you sign up and open a brokerage account, we collect:

Identity: legal name, date of birth, Social Security number (or tax ID), citizenship, country of birth, country of tax residence
Contact: email address, phone number, mailing address
Financial profile: annual income range, liquid net worth range, employment status, employer name and title (if employed), funding source
Disclosures: whether you're a "control person" of a public company, FINRA affiliate, politically exposed person, or have an immediate family member who is
Beneficiary information (if you choose to add one): name, relationship, date of birth, and SSN
Account credentials: username, password (stored securely and never readable by us), and two-factor authentication details if you enable it

Things we collect automatically

Device and connection: IP address, browser type, operating system, timezone
Usage: which features you use, and error reports used to diagnose problems
Preferences: settings like theme and default account
Security signals: we derive an opaque, non-reversible identifier from your browser's request headers (user-agent, language, client hints) so we can detect anomalous account activity — for example, a sudden login from an unfamiliar browser. The identifier is salted with a server-side secret, can't be traced back to a person, and is used only for fraud prevention and incident investigation.

Things we receive from Alpaca

Your Alpaca account ID, account status (pending / active / closed), account number
Your trading activity (orders, fills, positions, cash balance, dividends, transfers)
Notifications about account events (e.g., KYC approved, deposit completed)

4. Why we collect it

What	Why
Identity + financial profile + disclosures	To submit your KYC application to Alpaca so they can open your account
Email + phone	Account verification, security notifications, password resets
Account credentials	Authentication
Two-factor authentication details	Account security (required)
Usage data	Debugging, product improvement, fraud detection
Preferences	Remember your settings between visits
Alpaca account data	Show you your portfolio, holdings, orders, dividends

We do not use your information for:

Targeted advertising
Building behavioral profiles to sell
Sharing with social-media platforms
Training third-party AI models

5. Who we share it with

We share your personal information only where necessary, and only to the extent needed for each recipient's specific role.

Alpaca (the broker)

Alpaca receives your KYC submission and ongoing account activity because they're the broker-dealer of record — they open your account, execute your trades, and custody your assets. You can read Alpaca's privacy policy at alpaca.markets/disclosures.

Service providers (so the platform can run)

We work with a small number of vendors to operate the platform. Consistent with our least-access principle, each provider receives only the minimum data needed for its specific function, and is contractually bound to use that data solely to provide the service to us. By category:

Category of provider	What they receive
Cloud hosting & infrastructure	Operates our application and database
Network & content-delivery security	Connection data such as your IP address and requested pages, to route traffic and defend against attacks
Error monitoring	Technical error reports, with sensitive personal information removed before it's sent
Transactional email	Your email address and the contents of account-related emails we send you
Market data & company information	Stock ticker symbols only — no user-identifying information

None of these providers receive your Social Security number, tax ID, or financial profile. That information goes only to Alpaca, for the purpose of opening and maintaining your account.

Law enforcement / legal process

We will produce data in response to a valid subpoena, court order, or lawful request from a government authority. We will notify you unless legally prohibited.

What we never do

We do not sell your data.
We do not share your data with advertisers or data brokers.
We do not share your data with social-media platforms for ad targeting or behavioral profiling.

6. How long we keep your data

Data	Retention
Account information (while account is open)	For as long as your account is open with us
KYC submission record (what we forwarded to Alpaca)	At least 6 years after account closure (per SEC recordkeeping rules)
Transaction records	At least 6 years after account closure (per SEC rules)
Operational and error logs	Short-term, then deleted on a rolling basis
Marketing communications opt-in	Until you opt out, plus a short retention period

If you ask us to delete your account, we'll delete everything we're not legally required to retain. The KYC and transaction records we must keep are stored encrypted and accessed only by authorized personnel.

7. Security

We protect your data with industry-standard safeguards, including:

Encryption of your data in transit and at rest
Required two-factor authentication on every account
Secure, one-way password protection — we can never read your password
Removal of sensitive personal information before it reaches our internal monitoring systems
Protections against automated attacks on login and account recovery
Safeguards against duplicate money-moving actions
Least-access controls — production systems and customer data are accessible only to authorized personnel, only when needed to operate or support the platform

No system is perfectly secure. If we ever experience a data breach involving your personal information, we'll notify you and applicable regulators as required by law.

8. Cookies and local storage

We use only what's necessary to run the platform — to keep you signed in, remember your preferences (like dark/light mode), and protect against cross-site request forgery. We do not use third-party advertising cookies, behavioral tracking pixels, or analytics that follow you across other websites.

9. Your privacy rights

Regardless of where you live, you have the right to:

Know what personal information we hold about you
Access a copy of that information
Correct information that's wrong
Delete information we don't need to retain by law
Opt out of marketing emails (we send transactional emails — account alerts, security notices — regardless, because they're required)

California residents (CCPA / CPRA)

If you live in California, you additionally have the right to:

Know what categories of personal information we collect, the sources, and the purposes
Know the categories of third parties we share information with (described in Section 5)
Opt out of "sales" or "sharing" of personal information (we do neither, so there's nothing to opt out of)
Designate an authorized agent to make a request on your behalf
Not be discriminated against for exercising these rights

Virginia, Colorado, Connecticut, Utah, and other state residents

If you live in a state with a comprehensive privacy law, similar rights apply. We honor verified requests under any applicable law.

How to make a request

Email featherandfire@outlook.com with the subject "Privacy request" and tell us what you'd like us to do. We'll verify your identity (so we don't accidentally hand your data to someone else) and respond within 30 days. If we can't fulfill a request — for example, because we're legally required to retain certain records — we'll tell you why.

10. Children

broke 2Brokerage is for adults (18+). We don't knowingly collect personal information from anyone under 18.

If you're a parent who opens a UGMA/UTMA custodial account for a minor, you (the custodian) are our customer and the account owner from our perspective. The minor's information (name, DOB, SSN) is collected from you so Alpaca can open the custodial account on the minor's behalf. The minor is the beneficial owner of the assets once they reach the state's age of majority.

11. International users

broke 2Brokerage is offered to US residents only. Our infrastructure and Alpaca's infrastructure are located in the United States. If you access the site from outside the US, your information will be transferred to and processed in the US.

12. Changes to this policy

We may update this policy from time to time. When we do, we'll change the "Last updated" date at the top. If the change is material, we'll notify you by email at least 30 days before it takes effect. Continued use of broke 2Brokerage after a change means you accept the updated policy.

13. Contact us

Privacy questions, requests, or concerns:

Email: featherandfire@outlook.com

Mail: Feather & Fire LLC, c/o Registered Agents Inc, 6701 Corporate Dr Ste R, Johnston, IA 50131

For broker-dealer-specific questions (account opening, trading, custody), contact Alpaca directly at alpaca.markets/support.

Broker Disclosures

Your brokerage account is opened, custodied, and operated by Alpaca Securities LLC. Their disclosures govern the account itself — not the platform.

The following are Alpaca's standard customer disclosures. They are between you and Alpaca, not us.

Customer Account Agreement
Account Application Disclosure
Margin Agreement (required even for cash-only accounts)
Brokerage Fee Schedule
All Alpaca disclosures (full library)

For broker-dealer questions, contact Alpaca at alpaca.markets/support.

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Documents

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2. Eligibility

3. Your account

Registration

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What we provide

What we don't provide

5. Self-directed trading

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7. Social features

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When we can suspend or close your account

When you can close your account

After closure

12. Disclaimers

13. Limitation of liability

14. Indemnification

15. Independent contractor / no agency

16. Disputes — arbitration and class-action waiver

Binding arbitration

Class-action waiver

Exceptions

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17. Governing law

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19. Miscellaneous

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1. Who we are

2. Our approach to your data

3. What we collect

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