Company: WLTH
Filing Date: 2025-08-22
Form Type: DRS/A
Source: 0001628279-25-000564
Chunk: 188

Company: WEALTHFRONT CORP
Filing Date: 2025-08-22
Form: DRS/A
Chunk 188
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 invest including automated savings plans and recurring transfers, cash categories for easy budgeting and customizable saving goals and the ability for couples to track combined net worth and set shared goals with customized categories.

#### Investment Advisory
Our investment advisory products are premised on the belief that it is extremely difficult to outperform the market. Therefore, we advocate a passive approach to long-term investing. We aim to excel at the three things clients can control to reliably improve their long-term, after-tax returns 29 : fees, taxes, and diversification.

Our state-of-the-art infrastructure lowers our cost to serve, enabling us to charge lower fees relative to legacy competitors while also continuing to innovate with new financial solutions for our clients. We have saved our clients an estimated $1 billion in reduced advisory fees from 2012 through January 31, 2025. For many of our investment products, we offer tax-loss harvesting which has generated over $3.5 billion of deductible tax losses from 2012 through January 31, 2025. Based on our clients’ self-reported tax attributes and as described more fully below, we estimate a tax benefit that pays for our advisory fee approximately 7.5 times over, as of May 2025. In fact, we estimate that more than 96% of clients who used tax-loss harvesting received more in tax benefit than they paid in fees. We believe our current suite of investment products allows clients, whether delegators or do-it-yourselfers, to meet their goals with confidence.

#### Automated Bond Ladder
: Our Automated Bond Ladder focuses on preserving our clients’ capital while earning more after-tax interest than our cash account for clients who live in states with a high income tax by directly investing in Treasuries. This simple, low-risk product is optimized to be tax efficient and lock in our clients’ preferred yields for specified time periods, ranging from three months to six years. Automation enables our clients to choose to reinvest interest and principal, withdraw interest and principal, or reinvest interest and principal until a particular target date. We charge a low annual advisory fee of 0.15%, which is waived for the first three months. Wealthfront’s bond ladders are highly liquid,

28 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