Company: WLTH
Filing Date: 2025-07-28
Form Type: DRS/A
Source: 0001628279-25-000486
Chunk: 174

Company: WEALTHFRONT CORP
Filing Date: 2025-07-28
Form: DRS/A
Chunk 174
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avering 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. We pass along the cost savings from automation to our clients in the form of an industry-leading APY 21 for our cash management products, lower advisory fees 22 for our investment advisory products, and lower interest rates for our PLOC. 23 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.

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

21 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 a Cash Account.

22 Based on a standard industry investment advisory fee of 1% of assets held, compared to our investment advisory fee of 0.25% of assets held for nearly all investment advisory assets.

23 Based on competitor rates data as of July 18, 2025 from four large competing financial institutions offering comparable margin lending products.

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• FDIC insurance up to $8 million for individual accounts and $16 million for joint accounts through our program banks and the aggregation of FDIC deposit insurance across the sweep program.

• 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