Company: WLTH
Filing Date: 2025-12-02
Form Type: S-1/A
Source: 0001628280-25-054592
Chunk: 4

Company: WEALTHFRONT CORP
Filing Date: 2025-12-02
Form: S-1/A
Chunk 4
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 31, 2025, unless otherwise indicated. Fiscal year end January 31. Board of Governors of the Federal Reserve System, Survey of Consumer Finances, 1989 - 2022, November 2023. Oxford Economics, Forecasting the Growth of Millennial Wealth in the US, April 2025, a third-party research study commissioned by Wealthfront Corporation.

Technology to Solve our Clients’ Everyday and Long-Term Financial Needs Cash Management Investment Advisory AN INDUSTRY-LEADING APY ZERO ACCOUNT FEES FREE 24/7 INSTANT WITHDRAWALS AUTOMATED INDEX INVESTING S&P500 DIRECT AUTOMATED BOND LADDER + PORTFOLIO ALL-IN-ONE CHECKING AND SAVINGS FUNCTIONALITY $1 MINIMUM IRA 529 SELF DIRECTED STOCKS + ETFS Financial Planning Borrowing and Lending FINANCIAL PLANNING AND ADVICE NET WORTH AGGREGATION EDUCATION PORTFOLIO LINE OF CREDIT MORTGAGES FULLY PAID SECURITIES LENDING

Our Business Model Drives Our Greatest Advantage Automation and Infrastructure Improvement Build fully automated services to enable a better client experience, faster product/feature velocity, 90%+ gross profit margin Superior Profit Margins 40%+ adj. EBITDA margin 1 Aligned Incentives with client Share Savings with Clients Lower advisory fees, higher cash management account interest rates, free money movement, lower borrowing rates Word of Mouth Growth Efficient marketing spend, higher quality referrals Create Trust Add-on deposits, cross product adoption, >120% annual net revenue retention, 2 ~95% annual client retention 3 Note: All company data as of the fiscal year ended January 31,2025, unless otherwise noted. Numbers are rounded for presentation purposes. See the section titled “Management’s Discussion and Analysis of Financial Condition and Results of Operations" for information on our use of Adjusted EBITDA and Adjusted EBITDA margin, and a reconciliation of net income and net income margin to Adjusted EBITDA and Adjusted EBITDA margin, respectively. Each of the last eleven fiscal years. For each of fiscal year 2024 and fiscal year 2025.

Compounding Growth Model and Unique Economics Platform assets ~$47B cash management ~$42B investment advisory (as of July 31,2025) $88B YoY platform asset growth (as of July 31,2025) 24% Revenue (LTM ended July 31