Company: WLTH
Filing Date: 2025-06-18
Form Type: DRS
Source: 0001628279-25-000372
Chunk: 15

Company: WEALTHFRONT CORP
Filing Date: 2025-06-18
Form: DRS
Chunk 15
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 service, underpinned by a commitment to automation. Our product development process is iterative. We constantly build, refine, and deploy new features and products to our client base. We choose to build products which together form a coherent ecosystem of financial products, rather than a supermarket of options. We’re not in a race to recreate all financial products offered by incumbents. Instead, we design solutions to problems experienced by our clients.

### Diverse Financial Products
Our products help our clients build long-term wealth on their own terms. We have built a range of cash management, investment advisory, borrowing and lending, and financial planning products to serve the diverse financial needs of our clients. Our products span a broad risk spectrum that addresses the diverse financial needs of our clients throughout economic cycles—ranging from cash management to direct stock investing. Within our suite of investment advisory products, we offer capabilities that are

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suited for either “delegators” who want fully managed solutions and “do it yourselfers” who want more control over individual financial decisions.

• Cash Management

Through program banks, clients get an industry-leading APY and the security of pass-through FDIC insurance up to $8 million for individual accounts and $16 million for joint accounts, and through banking partners, instant free money movement, and a full array of fee-free, no-strings-attached checking features—all wrapped up into one label-defying package we call a Cash Account.

• Investment Advisory

Our investment advisory products are primarily 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 get a superior long-term, after-tax return: fees, taxes, and diversification. Clients benefit from our automated tax-loss harvesting strategies that are applied to our diversified portfolios of index-based ETFs, U.S. Direct Indexing, S&P 500 Direct, and Automated Bond Portfolios. Additionally, we offer clients the ability to invest in automated treasury bond ladders and discover and invest in individual stocks.

• Borrowing and Lending

We offer clients a simple, fast, and low cost way to borrow against securities in their eligible accounts using a Portfolio Line of Credit. We also enable clients to earn income by lending securities they own.

• Financial Planning

We provide individualized, software-based financial planning to help clients optimize their finances, giving them insight into their projected future net worth, and guidance on the cost