Company: WLTH
Filing Date: 2025-06-18
Form Type: DRS
Source: 0001628279-25-000372
Chunk: 173

Company: WEALTHFRONT CORP
Filing Date: 2025-06-18
Form: DRS
Chunk 173
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Our platform also actively encourages existing clients to explore and adopt additional Wealthfront products. As of January 2025, 28% of our clients have funded both cash management and investment advisory accounts, a figure that we anticipate will continue to rise. We leverage data insights to tailor product recommendations to align with client needs, ensuring that our offerings remain relevant and appealing.

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#### M&A and Expansion
We view mergers and acquisitions as another way to expand our platform and to find innovative, inorganic growth solutions that we can acquire and scale.

#### Our Products
Wealthfront offers digital and automated cash management, investment advisory, borrowing and lending, and financial planning products to solve our clients’ everyday and long-term financial needs. Our investment philosophy is to help clients focus on what they can control: fees, taxes, and diversification. As a result, Wealthfront provides products across the efficient frontier of risk and reward, including cash accounts, bond ETF and ladder portfolios, diversified ETF portfolios, S&P 500 Direct, and stock investing. These products are offered to clients for a simple, low and transparent fee structure, thereby increasing trust and underscoring our aligned incentives. Because our platform abstracts away the complexity of sophisticated financial services, our products are easy to use and prioritize user experience and convenience while helping our clients achieve their financial goals.

### Cash Management

#### Cash Account
: Our cash account offers clients, through our program banks, the opportunity to earn an industry-leading APY with zero account fees, up to $8 million of FDIC insurance for individual accounts and $16 million for joint accounts, minimum $1 balance requirement and free 24/7 instant transfers to other institutions. The sticky nature of our client assets incentivizes program banks to extend more competitive rates to us than to other digital financial services providers. We are able to offer a large multiple of the traditional bank’s FDIC insurance coverage of $250,000 per depositor by sweeping cash in their accounts across more than 30 program banks, each of which offers $250,000 of FDIC insurance for individual accounts and $500,000 of FDIC insurance for joint accounts.

Our cash account has both checking and savings functionality, allowing clients to maximize their utility with just one account. Checking functionality our cash account offers includes: debit cards, account and routing numbers for paying bills, direct deposit, bill payment, mobile check deposits, access to over 19,000 free ATMs nationwide; for any out-of-network ATMs,