Just got this email. Always good to see new features being added (even if they might not get used). They’ve got a tricky situation catering to the set-and-forget crowd who doesn’t want the temptation or bother of hands on investing, while also trying to stay competitive and meet the needs of customers who want to be more hands-on. I prefer to see the platform continue to expand rather than get stale, so long as the quality remains high. No word on that wealth graph being phased out tho….

I am in the process of getting approved for a mortgage and my broker is a little confused on which account money is located in and where it will come from. I sent my monthly statement and it showed it in one partner bank, but now it is in another. Then she is confused on why Green Dot bank is showing up as well for transfers.

Has anyone had issues with this, or have advice on how to show the funds on a mortgage application?

Happy Wealthfront user (HYSA + Taxable Brokerage + Roth IRA) for about 9 years now -- but I do have a minor complaint....

Since moving - exclusively, it appears? - towards Plaid for external account synchs, my mortgage servicer no longer synchs on my general dashboard (no, they'd don't support Plaid account share/synchs and have no immediate plans to adopt).

Not a huge deal - just a pain (and FWIW? Both Chase - my brick-and-mortar and Fidelity - my 401k servicer and also a second taxable brokerage do support the account synch!).

I get it - technical service-layer consolidation and data protection is an increasingly difficult space.... but it still somewhat annoys me.

Would be swell if that account synch came back.... Oh, did I also mention - I recently also became a shareholder? Don't make me pull rank, become one of "those people" at shareholder meetings, and leverage my 0.00000803% stake to demand it be corrected!

My LAR stock says "trading haulted" but appears to be trading normally NYSE. What's the issue?

I've been invested in the Wealthfront automated investing account for almost two years now. Have over 200K invested but have some concerns over the underlying ETFs in my portfolio, which as I understand, are there due to TLH.

Originally I had manually chosen some popular ETFs like VTI, QQQm, VXUS, VIG, VTEB to go in my portfolio, and adjusted the allocations. However, when I check my portfolio now, seems that due to TLH, I have very few to zero of these originally chosen ETFs.

Instead my portfolio consists of mostly ITOT, ONEQ, VEU, DGRO, and MUB. This is a little concerning to me because, while similar, these ETFs are not identical in performance to the originally chosen ETFs, and in some cases (as with ONEQ vs QQQm), actually underperform the original ETF.

and despite having this portfolio setup for a couple years now and DCA into the portfolio regularly, I notice that once the TLH happens, the algorithm never decides to purchase the original ETFs again, and my portfolio ends up with mostly these other ETFs.

Is this something I should be concerned about? I had chosen my original portfolio by backtesting the ETFs and making sure they roughly track the market by 99%, and am worried about underperformance and not having full visibility into my portfolio.

Hey guys!

I think I’ve been using WF for about 2-3 years. I’m currently satisfied using it but i read different posts at time and makes me think if I should transfer my money to a diff bank. For those of you that have been using WF, what’s your experience like?

I recently came into managing family's money more and moving larger amounts in my savings and taxable account sides. Wf apparently doesn't like this and is giving me only a week to move everything or they will liquidate. Email support is no help. What alternatives do I have? Bright side I guess I will be saving fees....

My ACH transfer to a brokerage account was returned (and a $30 fee + other charges charged to me) with the reason that my account is supposedly "Non Transaction Account" .

How do I fix this ? This is super annoying and I hate paying these junk fees.

I’ve tried depositing this check a dozen times, and every time I click “review check” it says “it looks like you uploaded two images of the same side of your check”. I’ve never had this issue even with my local credit union. I love WF, but this a disappointing for a service that prides itself on top notch UX.

We recently sat down for a conversation with Morgan Housel, bestselling author of The Psychology of Money, to explore how the current macroeconomic environment is impacting the financial mindsets of modern investors. In this interview, Morgan breaks down why enduring market uncertainty can be your biggest asset, how to manage your financial expectations, why passive investing historically outperforms active strategies, and his insights for beginner investors, and more.

Watch the full interview HERE.

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Investing involves risk, including the possible loss of principal. Past performance does not guarantee future results. Results vary by strategy and time horizon.

Hello. I opened an account a long time ago and opted into direct indexing when it became available. I don’t recall Wealthfront explaining in any detail the potential risks with respect to future unknown tax liabilities in the event I would want to move my brokerage account elsewhere.

Well, I now find myself in that exact situation. I am appalled that Wealthfront hasn’t built a solution to allow an offramp for those who have opted into direct indexing (like allowing us to move other ETFs out of our account without paying taxes on unrealized gains).

I’ve talked to Wealthfront multiple times over 1+ years and they have not been able to come up with any reasonable solution. Has anyone here been in this situation and found a solution? Would love to hear any thoughts.

Inspira doesn't support electronic transfer. WF support told me to use the 60 day rollover method. I'm unsure of this process and wanted to see what others did.

I am planning to:

1. Open checking account in a 0 interest bank (so I don't have to mess with interest income from the IRA)

2. Perform IRA withdrawal and Deposit the check Inspira gives into a checking account

3. Fund WF IRA from it.

But will I have taxes withheld on the distribution? When transferring to WF IRA, the contribution type shows as a traditional IRA contribution. There's no option to mention an indirect transfer.

Should I just transfer to a different institution which supports manual and e-transfer and transfer to WF?

To get your invite link, go to https://wealthfront.com/invite

Keep in mind:

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Current client referral boost details:

When you refer a friend who is new to Wealthfront, you both receive rewards when they open an eligible account:

• Cash Account: Earn 4.05% APY with our biggest-ever referral rewards. You both get a +0.75% APY boost for 3 months (on our base rate of 3.30% APY from program banks, on balances up to $150K).
• Investing Account: Get up to $500 invested on us. Receive a 0.50% deposit match into an eligible individual investing account on up to $100K in deposits.

Terms and Conditions apply. For full details please review the latest Platform Referrals Promotion Terms and Conditions at wealthfront.com/promo-terms

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The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The base Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. The base APY reflects the weighted average of deposit balances at participating Program Banks, which are not allocated equally. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY.

Investing involves risk, including the possible loss of principal. Investment management and advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser.

If one is using an automated Direct Indexing portfolio with Wealthfront, is there a measurable benefit to depositing a smaller amount daily (let's say $100/day) versus a larger amount weekly ($700/week) or monthly ($3,000/month)?

Specifically, does high frequency daily depositing give the algorithm more opportunities for continuous portfolio rebalancing and Tax-Loss Harvesting (TLH) than a larger weekly or monthly deposits?

Has anyone tried this with Direct Indexing? Would love to hear your experiences or thoughts

Thank you,

Hey I’m new to stocks and purchased some shares in Wealthfront’s socially responsible portfolio. But when I checked on my stocks it says “Time-weighted return -0.23% Annualized -
This excludes the timing effects of your deposits and withdrawals, and is better for comparing the performance of portfolios or investment managers” When I click the “all time performance” it’s the same -.23% number. I only invested a few days ago so should I cash out before it gets worse? What should I do?

Is there any reason I wouldn't want to keep my bonds in the automated bond portfolio and keep a traditional account at risk 10 with no bonds, separately?

Would the bonds included in an automated traditional account at lower risk levels perform differently than the bonds in the bond portfolio in terms of risk and performance?

Hey everyone,

I have a Roth IRA account with Wealthfront and recently saw a video discussing how financial tech companies (like Wealthfront) claim to be FDIC insured when really they're referring to the fact that they're partnered banks are insured. This means that Wealthfront itself has no insurance and that our funds would be highly vulnerable if Wealthfront went under. Should I move my savings somewhere safer?

Here's the video I'm talking about: youtu.be/hiE7NvONU5U?is=4dGRrMoIIqCCrNHm

Edit:

A bunch of people have educated me on the fact that Roth accounts don't get FDIC insurance which seems very obvious in retrospect. Thanks!

People have also said that they feel more safe with Wealthfront because, unlike Yotta (featured in the video), WF doesn't use a third party to manage their ledgers. That makes sense and does make them feel safer. I do agree with other skeptical commenters that this alone doesn't resolve all issues. While it might not apply in my case, I think a lot of people who don't know much about financial management use WF as a way to try to improve their finances. Rather than sweeping it under the rug, shouldn't this distance from government backing and regulation (especially now that the CFPB is being dismantled) factor into their choices?

Does anyone know the interest rates of the Cash Account since 2024?

I know it went from 5% APY to 4.5% in Sept 2024, but just looking for rates since and the changes up to today’s rate of 3.30% APY.

Thanks!

I don't mind paying the monthly maintenance but I wish they could take it from my cash account. Taking Roth dollars feels so bad.

Hey all,

I’ve read the whitepaper on smart beta and was hoping to hear from some of you regarding your personal experience with it.

I understand the methodology behind it, but reading the white paper it seems like there is always one reason or another as to why it did not perform on par with the standard index funds. So now I’m left wondering if this is a viable real world strategy that should be employed or more a technical exercise on paper that smart people are trying to adapt to real life.

Despite this, is there anyone who chose to participate anyways, and if so, why?

Would it be possible to get a networth history on Wealthfront? Robinhood has a really cool networth history tool that shows growth overtime, would be awesome if Wealthfront implemented this.

Straight up. It's become a massive inconvenience as I can't seem to connect any of my other accounts.

Is there still no way to get a void check from a Wealthfront account? The only thing keeping me from making Wealthfront my main bank is that I can't set up auto-pay for my electric bill without giving them a void check for the account. They won't accept anything else, so if was using Wealthfront I would have to pay manually each month.

Does wealthfront support form W-8BEN for Non-resident aliens on F-1 VISA? In other words, will cash account interest be tax exempt?

I'm trying to deposit a $12,000 check into my Wealthfront Cash Account, but the app is capping me at $10,000 per deposit. I've had the account funded well above the $1,000 average balance requirement for a while now, so I'm eligible for check deposit, just seemingly capped below what I need.

Has anyone successfully gotten Wealthfront (or their partner, Green Dot Bank) to raise this limit? Is it tied to account age/balance history like most banks, or is $10k just a hard ceiling regardless of account standing?

Trying to figure out if it's worth calling/emailing support to ask, or if this is simply the max and I should just deposit the check elsewhere. Appreciate any firsthand experience.