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Nerdwallet receives cash compensation for referring potential clients to Wealthfront Advisers, LLC (“Wealthfront Advisers”) via advertisements placed on their website. Nerdwallet and Wealthfront Advisers are not associated with one another and have no formal relationship outside of this arrangement. Nerdwallet’s opinions are their own. Their ratings are determined by their editorial team. The scoring formula for online brokers and robo-advisors takes into account over 15 factors, including account fees and minimums, investment choices, customer support and mobile app capabilities. Nerdwallet ranking as of Jan 2024. Wealthfront provides cash compensation in connection with obtaining this ranking. Bankrate’s endorsements were voluntarily given and neither Wealthfront Advisers or Wealthfront Brokerage has a formal relationship with Bankrate. Bankrate evaluates firms based on many factors including cost factors, account features, and consumer experience aspects, such as mobile apps and customer support. The evaluation process was conducted by Bankrate’s editorial team. Wealthfront pays an annual license fee to use Bankrate’s awards in marketing materials. Apple App Store and Google Play Store ratings are based on user ratings that are subject to change and submitted according to the applicable terms of use maintained by the Apple App Store and the Google Play Store. The Apple App Store and the Google Play Store do not utilize questionnaires or surveys and are not designed or prepared to produce any predetermined result. Users may submit ratings and verbatim feedback based on their experience with the Wealthfront application, which rating and or verbatim feedback may or may not reflect that user’s experience with the investment advisory product or service provided by Wealthfront Advisers. Reported ratings are as of July 7, 2024 and based on all user ratings submitted from February 2014 (Apple) and December 2015 (Google) through July 2024. Ratings independently compiled by Apple, Inc., and Google, Inc., who receive compensation for hosting our app but not for collecting or compiling reported ratings.
Investopedia receives cash compensation for referring potential clients to Wealthfront Advisers, LLC (“Wealthfront Advisers”) via advertisements placed on their website which creates a conflict of interest. While they receive compensation for referring potential clients, the statements and rankings provided above represent independent endorsements by Investopedia, which are not directly tied to such compensation. Investopedia and Wealthfront Advisers are not associated with one another and have no formal relationship outside of this arrangement. Investopedia’s opinions are their own. Their ratings are determined by their editorial team. Investopedia receives cash compensation of $80 per account opening and $10 per click to Wealthfront Advisers for sponsored advertising materials. Investopedia is not a client of Wealthfront Advisers.
By using this website, you understand the information being presented is provided for informational purposes only and agree to our Terms of Use and Privacy Policy . Wealthfront Advisers relies on information from various sources believed to be reliable, including clients and third parties, but cannot guarantee the accuracy and completeness of that information. Nothing in this communication should be construed as an offer, recommendation, or solicitation to buy or sell any security. Additionally, Wealthfront Advisers or its affiliates do not provide tax advice and investors are encouraged to consult with their personal tax advisors.
Cash Account is offered by Wealthfront Brokerage LLC (Wealthfront Brokerage), member FINRA / SIPC . The Annual Percentage Yield (APY) on cash deposits is as of November 15, 2024, and is subject to change at any time before or after the Cash Account is opened. Wealthfront Brokerage nor any of its affiliates are a bank and Cash Account is not a checking or savings account. There is no minimum balance required to open or maintain the Cash Account. Funds in the Cash Account are swept to partner banks , where they earn a variable interest rate and are eligible for FDIC insurance. FDIC insurance is not provided until the funds arrive at the program banks. FDIC insurance coverage is limited to $250,000 per qualified customer account per banking institution. Wealthfront uses more than one program bank to ensure FDIC coverage of up to $8 million for your cash deposits. Conditions apply. Customers are responsible for monitoring their total assets at each program bank, including those held at partner banks outside of Wealthfront Brokerage’s sweep program, to ensure FDIC coverage limits are not exceeded. If a client opts out of one or more partner banks, the FDIC insurance available on the cash deposits may be lowered. For more information about FDIC insurance, visit www.FDIC.gov . Deposits held at partner banks are not protected by SIPC.
The APY for the Wealthfront Cash Account represents the weighted average of the APY on the aggregate deposit balances of all clients at the program banks. Deposit balances are not allocated equally among the participating program banks.
Fees and Eligibility requirements may apply to certain checking features, please see the Deposit Account Agreement for details. Copyright 2024 Green Dot Corporation. All rights reserved.
Investing involves risk, including the possibility of loss of principal. Past performance does not guarantee future success. Historical returns, expected returns, and probability projections are provided for informational and illustrative purposes, and may not reflect actual future performance. Please see our Full Disclosure for important details. Investment Management and advisory services –which are not FDIC insured– are provided by Wealthfront Advisers LLC (“Wealthfront Advisers”), an SEC-registered investment adviser. Financial planning tools are provided by Wealthfront Software LLC (“Wealthfront”).
Investing in US Treasuries involves risks, including but not limited to interest rate risk, credit risk, and market risk. While US Treasuries are considered to be among the safest investments, they are not entirely risk-free, and there is potential for loss of principal. Returns on US Treasuries can be affected by changes in the credit rating of the US government, although such occurrences are rare. Investors should consider their tolerance for these risks and their overall investment objectives before investing in US Treasuries.
The yield earned from US Treasuries is exempt from state and local income taxes. However, interest income from Treasuries is subject to federal income tax. To understand implications for your specific situation, consult with a tax professional.
Tax loss harvesting may generate a higher number of trades due to attempts to capture losses. There is a chance that trading attributed to tax loss harvesting may create capital gains and wash sales and could be subject to higher transaction costs and market impacts. In addition, tax loss harvesting strategies may produce losses, which may not be offset by sufficient gains in the account and may be limited to a $3,000 deduction against income. The utilization of losses harvested through the strategy will depend upon the recognition of capital gains in the same or a future tax period, and in addition may be subject to limitations under applicable tax laws, e.g., if there are insufficient realized gains in the tax period, the use of harvested losses may be limited to a $3,000 deduction against income and distributions. Losses harvested through the strategy that are not utilized in the tax period when recognized (e.g., because of insufficient capital gains and/or significant capital loss carryforwards), generally may be carried forward to offset future capital gains, if any.
Instant and same day withdrawals may be processed through the Real-Time Payments (RTP) network or the FedNow® service, enabling same day withdrawals. Please note, Real-Time Payments (RTP) transfers may be limited by destination institutions, daily transaction caps, and by participating entities such as Wells Fargo and the RTP® Network. New Cash Account deposits are subject to a 2-4 day holding period before becoming available for transfer. Wealthfront doesn’t charge for transfers, but receiving institutions may impose an RTP fee. Processing times may vary.
Account type risk labels: The labels presented in the navigation menu are meant to be informative and should not be considered financial advice. Investment risks vary based on individual circumstances not accounted for in this comparison.
How do we define risk for our accounts? Wealthfront’s Cash Account is considered the “Lowest Risk” account as compared to other Wealthfront accounts with cash deposits to the Cash Account being eligible for up to $8 million in FDIC insurance (or $16 million for joint accounts) provided through program banks. Additionally, since swept funds are earning interest at program banks, it’s not exposed to market risk, unlike our other account offerings. Wealthfront’s Automated Bond Ladder is considered “Low Risk” as compared to other Wealthfront Accounts. Wealthfront’s Automated Bond Ladder is a portfolio of low-risk US Treasury bonds, which are considered to be among the safest investments as they are backed by the full faith and credit of the US government, though they are not entirely risk-free, and there is a potential for loss of principal if sold prior to maturity. Wealthfront’s Automated Bond Portfolio is considered “Low Risk” as we construct the portfolio to have an expected annualized volatility of approximately 3%. This is roughly half of the expected volatility for the lowest risk versions of our Classic and Socially Responsible Automated Investing Account portfolios. Wealthfront’s Automated Investing Account, Retirement Accounts, and 529 Education Savings Plans are optimized to your risk tolerance providing for a Personalized Risk Level. In general, these accounts have a higher level of risk than the Cash Account or Automated Bond Ladder, but because they hold globally diversified portfolios of index funds, they carry less exposure to risk than purely investing in individual stocks like in the S&P 500 Direct Account or the Stock Investing Account. As compared to other Wealthfront Investing Accounts, Wealthfront’s S&P 500 Direct Account is considered “Medium Risk” as it invests in individual stocks of the S&P 500® providing exposure to large-cap US companies across diverse sectors. While the account provides some diversification, it does not include exposure to global asset classes (unlike the Automated Investing Account) and is still subject to market volatility, influenced by economic factors, interest rates, inflation, and geopolitical events. Wealthfront’s Stock Investing Account is considered “Higher Risk” as compared to other Wealthfront Accounts as picking individual stocks is a riskier way to invest.
Wealthfront Brokerage LLC’s Promotional Interest Referral Program, allows existing Cash Account clients (referred to as “Eligible Referrers“) to refer prospective first-time Wealthfront clients (persons who are eligible to open a Wealthfront account and have never opened or held one before). When an eligible new client opens and funds their first Wealthfront Cash Account through a referral link, then Wealthfront will increase the current APY interest rate offered on both the Eligible Referrer’s Cash Account and the eligible new client’s Cash Account by 0.50% APY for three months on up to $250,000 (across all of each person’s Cash Accounts), provided that all applicable terms and conditions have been satisfied. This referral also qualifies Eligible Referrers and eligible new clients for up to three concurrent months of the Fee Waiver Promotion offered by Wealthfront Advisers LLC. Wealthfront reserves the right to modify or terminate the Promotional Interest Referral Program and/or Fee Waiver Promotion at any time without notice. Eligible Referrers who participate in this Promotion may have a financial incentive to recommend Wealthfront to Eligible New Clients. Please be aware of any potential conflicts of interest before you participate in the Promotion. Wealthfront reserves the right to modify or terminate the Promotion and/or Fee Waiver Program at any time without notice. For full details please review the Platform Referrals Promotion and Fee Waiver Program Terms and Conditions .
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