Company: WLTH
Filing Date: 2025-06-18
Form Type: DRS
Source: 0001628279-25-000372
Chunk: 168

Company: WEALTHFRONT CORP
Filing Date: 2025-06-18
Form: DRS
Chunk 168
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 share our savings with clients. We pass along the cost savings from automation to our clients in the form of industry-leading APY for our cash management products, lower advisory fees for our investment advisory products, and lower interest rates for our borrowing product. Additionally, we offer clients a wide range of premium features with our products without an additional fee or subscription, including:

• Industry-leading APY through our program banks on as little as $1 in a Wealthfront Cash Account with $0 account fees.

• FDIC insurance up to $8 million for individual accounts and $16 million for joint accounts through our program banks.

• Free instant withdrawals to eligible external accounts—even on weekends and holidays.

• Free domestic wires to title companies and accounts in the clients’ name.

• Over 19,000 free ATMs for funds held at our program banks and up to two free out-of-network ATM withdrawal reimbursements each month.

• Free automated tax-loss harvesting for many of our investment products that produces benefits that are often a multiple of our 0.25% investment advisory fee.

• Private excess SIPC insurance with an additional $500 million in aggregate and a maximum of $900,000 limit on cash in brokerage accounts per client.

• A low borrowing rate for margin loans with approval in seconds and money deposited in as little as one business day.

Intuitive and Easy to Use

All our products are designed to simplify otherwise complex financial experiences and decisions. While complex to navigate on one’s own when beginning one’s financial journey, we strive to make the process holistic and simple. Everything from account opening to notifications, transfers, and decision prompts are presented to our clients clearly and conveniently. Our clients don’t want to talk to advisors, and instead, we are able to offer them financial product solutions without the need for appointments or phone calls.

Fast and Frictionless Money Movement

We want to make it as easy and as quick as possible for our clients to move money to where it is most productive for them. We offer 24/7/365 free instant withdrawals to eligible external accounts through the RTP Network and FedNow—including weekends and holidays. We have found, somewhat counter-intuitively, that making it easy for clients to instantly withdraw their money with no fee leads them to increase their contributions and hold larger balances at Wealthfront.

Treating Clients as They Would Expect to be Treated

All of our investment products are designed to implement best practices in the industry, and we publish exactly how we implement each service in publicly available white papers. We do not charge