Company: WLTH
Filing Date: 2025-12-12
Form Type: 424B4
Source: 0001628280-25-056780
Chunk: 222

Company: WEALTHFRONT CORP
Filing Date: 2025-12-12
Form: 424B4
Chunk 222
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’s Discussion and Analysis of Financial Condition and Results of Operations—Quantitative and Qualitative Discussions of Market Risk,” “Business—Our Products,” and “Business—Government Regulation—Brokerage Regulation and Regulatory Capital and Deposit Requirements.”

• 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 of 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. We do not currently earn revenue from, and do not allocate costs to, our financial planning services.

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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 July 31, 2025, our average platform assets per client was approximately $67,000, 35 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 believe 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 36 for our cash management products, lower advisory fees 37 for our investment advisory products, and low interest rates for our PLOC. 38 Additionally, we offer clients a wide range of premium features with our products without an additional fee or subscription, including:

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

35 Average platform assets per client is calculated by dividing platform assets by funded clients as of a stated date.

36 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 through November 2025, during which period the APY offered in a Cash Account was among the top 1