Company: WLTH
Filing Date: 2025-08-22
Form Type: DRS/A
Source: 0001628279-25-000564
Chunk: 18

Company: WEALTHFRONT CORP
Filing Date: 2025-08-22
Form: DRS/A
Chunk 18
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 optimize their finances, giving them insight into their projected future net worth, and guidance on the cost of

3 Based on data collected by us on APY offered by a total of sixteen competitors offering online cash savings or cash management products from October 2022 to January 2025. As of January 31, 2025, clients could earn between 4.00% and 4.50% APY in a Cash Account.

4 Subject to FDIC rules, pass-through FDIC insurance is provided up to $250,000 for all client assets held in the same capacity at each individual program bank. By placing no more than $250,000 at up to 32 program banks, we can provide clients access to up to $8 million of federal deposit insurance across those 32 banks (i.e., $250,000 times 32) for individual accounts and $16 million of federal deposit insurance for joint accounts (i.e., $500,000 times 32).

5 Based on extensive academic research, including that relating to Modern Portfolio Theory as described by Harry Markowitz in his 1952 paper Portfolio Selection.

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homeownership, early retirement, prolonged time off from their careers, or saving for college. These personalized insights and advice are provided for free, without ever needing to talk to a financial planner.

The pace at which we launch new products has accelerated over time.

#### Client Experience: Trust and Transparency
Trust and transparency are at the core of our client experience. As of January 31, 2025, our average platform assets per client was approximately $66,000, 6 which we believe demonstrates our clients’ trust in our platform. Trust and transparency also benefits our business model, as a delightful client experience drives word-of-mouth referrals.

The key features that drive trust and transparency are:

Superior Value and Lower Cost

We are uniquely able to offer these lower cost solutions at superior value because of the automation we’ve built into our platform and our willingness to share our savings with clients, who value low-cost financial products. We believe that, due in part to our unwavering focus on automation, we’re able to drive down the marginal cost of evaluating and trading, launch and iterate products faster, lower the cost of our support and offer a better overall client experience, including in the form of an industry-leading APY 7 for our cash management products, lower advisory fees 8 for our investment advisory products, and lower

6 Average platform assets per client is calculated