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function FinraSipc(e) {
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children: ["Investment management and advisory services--which are not FDIC insured--are provided by Wealthfront Advisers LLC (“Wealthfront Advisers”), an SEC-registered investment adviser, and financial planning tools are provided by Wealthfront Software LLC (“Wealthfront”). Brokerage products and services are offered by Wealthfront Brokerage LLC, member", " ", (0, n.jsx)("a", {
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function CashAccount(e) {
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children: "The Annual Percentage Yield (APY) for the Cash Account may change at any time, before or after the Cash Account is opened. 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."
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function CheckingFeatures() {
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children: "Early direct deposit availability depends on payor type, timing, payment instructions, and bank fraud prevention measures and may vary from pay period to pay period. The name and Social Security number on file with your employer or benefits provider must match your Account to prevent fraud restrictions on the account."
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children: ["Fee-free ATM access applies to in-network ATMs only. For out-of-network ATMs and bank tellers a $2.50 fee will apply, plus any additional fee that the owner or bank may charge. Fees and Eligibility requirements may apply to certain checking features, please see the", " ", (0, n.jsx)("a", {
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children: "We’ve partnered with Green Dot Bank. The checking features offered on your Wealthfront Cash account are provided by and the Wealthfront Visa\xae Debit Card is issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa International Service Association. Checking features for the Cash Account are subject to identity verification by Green Dot Bank and the Wealthfront Visa\xae Debit Card is optional and must be requested. Wealthfront products and services are not provided by Green Dot Bank. Green Dot Bank operates under the following registered trade names: GO2bank, GoBank and Bonneville Bank. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage."
}), (0, n.jsx)("p", {
children: "Early direct deposit availability depends on payor type, timing, payment instructions, and bank fraud prevention measures and may vary from pay period to pay period. The name and Social Security number on file with your employer or benefits provider must match your Account to prevent fraud restrictions on the account."
}), (0, n.jsx)("p", {
children: "Fee-free ATM access applies to in-network ATMs only. The domestic out-of-network ATM fee reimbursement program (the “Program”) allows Wealthfront Brokerage clients with open and funded individual Wealthfront Brokerage Cash Accounts (“Cash Account”) who have requested and received an accompanying debit card (“Debit Card”) issued by Green Dot Bank (“Green Dot”) to be eligible for certain account benefits when using their Debit Card for a domestic out-of-network ATM cash withdrawal of U.S. dollars (“ATM Transactions”). In order to maintain eligibility for this Program, all your Wealthfront accounts and Green Dot accounts (collectively, “Accounts”) must remain in good standing and your Cash Account and Debit Card must remain open and active."
}), (0, n.jsx)("p", {
children: "Each calendar month, current eligible clients with ATM Transactions will receive a reimbursement of certain fees associated with their first two ATM Transactions. Wealthfront Brokerage will utilize its best efforts to reimburse Green Dot’s $2.50 “out-of-network fee” and up to $5.00 of any operator or owner’s fee for your ATM Transactions, up to a maximum reimbursement of $7.50 per ATM Transaction (the “Reimbursement”). Your maximum total monthly Reimbursement shall be $14.50 ($7.50 + $7.50). If an ATM operator charges fees other than out-of-network fees and/or owner’s fees, Wealthfront Brokerage will not reimburse any portion of those fees. Once the maximum total monthly Reimbursement has been reached, no subsequent out-of-network ATM fees or charges that occur that calendar month will be reimbursed."
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children: ["Your Reimbursement(s) will be credited to your Cash Account typically within one business day, though this timing is not guaranteed (“Reimbursement Date”). To receive the Reimbursement, your Cash Account must remain open until after the Reimbursement Date or you will forfeit any pending Reimbursement(s). If any of your Accounts are placed under review or are deemed not in good standing by Wealthfront Brokerage, Wealthfront Advisers and/or Green Dot, you may not be eligible to earn or receive Reimbursement(s) during the time your Account(s) are in such status. ATM Transactions completed before September 16, 2024 shall not be eligible for Reimbursement in connection with this Program. See full Terms and Conditions", " ", (0, n.jsx)("a", {
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dialogText: "NerdWallet receives cash compensation between $70 and $100 per application submission from Wealthfront Advisers for sponsored advertising materials. Investopedia receives cash compensation of $80 per account opening and $10 per click to Wealthfront Advisers for sponsored advertising materials."
}), " ", "for referring potential clients to Wealthfront Advisers, LLC (“Wealthfront Advisers”) via advertisements placed on their respective websites which creates a conflict of interest. While they receive compensation for referring potential clients, any statements and rankings provided above represent independent endorsements by the Endorsers, which are not directly tied to such compensation. The Endorsers and Wealthfront Advisers are not associated with one another and have no formal relationship outside of this arrangement. Nerdwallet’s opinions are their own and 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 January 2022. Wealthfront provides cash compensation in connection with obtaining this ranking. NerdWallet is not a client of Wealthfront Advisers. Investopedia designed a system that rates robo-advisors based on nine key categories and 49 variables. Each category covers the critical elements users need to thoroughly evaluate a robo-advisor. Learn more about their", " ", (0, n.jsx)("a", {
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function NationalAverage(e) {
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return (0, n.jsxs)(n.Fragment, {
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function AppStore() {
return (0, n.jsx)(n.Fragment, {
children: "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."
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function BankRate() {
return (0, n.jsx)(n.Fragment, {
children: "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."
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function RealTimePaymentsDisclosure() {
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target: "_blank",
rel: "noreferrer",
children: "FedNow\xae"
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children: "The information contained in this communication is provided for general informational purposes only, and should not be construed as investment or tax advice. Nothing in this communication should be construed as tax advice, a solicitation or offer, or recommendation, to buy or sell any security. Any links provided to other server sites are offered as a matter of convenience and are not intended to imply that Wealthfront Advisers or its affiliates endorses, sponsors, promotes and/or is affiliated with the owners of or participants in those sites, or endorses any information contained on those sites, unless expressly stated otherwise."
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return (0, n.jsxs)("p", {
children: ["The Annual Percentage Yield (APY) for the Cash Account is as of ", e.updateDate, " and may change at any time, before or after the Cash Account is opened. 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."]
})
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children: [(0, n.jsx)(FinraSipc, {
type: "cash"
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children: "The Annual Percentage Yield (APY) for the Cash Account may change at any time, before or after the Cash Account is opened. Rate as of September 27, 2024. 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."
}), (0, n.jsx)(RealTimePaymentsDisclosure, {}), (0, n.jsxs)("p", {
children: ["Wealthfront does not charge for wire fees to title and escrow companies and accounts you own at other institutions, but the receiving entity or institution may charge a fee. For more information about wires, visit", (0, n.jsx)("a", {
href: "www.wealthfront.com/legal/online-transfer-agreement",
target: "_blank",
rel: "noreferrer",
children: "www.wealthfront.com/legal/online-transfer-agreement."
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}), (0, n.jsx)(GeneralInformation, {}), (0, n.jsx)(FullLegalDisclosure, {
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}, Layout.TaxLossHarvesting = function(e) {
let {
type: t
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switch (t) {
case "short":
return (0, n.jsx)("p", {
children: "The effectiveness of the tax-loss harvesting strategy to reduce the tax liability of the client will depend on the client’s entire tax and investment profile, including purchases and dispositions in a client’s (or client’s spouse’s) accounts outside of Wealthfront Advisers and type of investments (e.g., taxable or nontaxable) or holding period (e.g., short-term or long-term)."
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case "long":
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children: "The effectiveness of the Tax-Loss Harvesting strategy to reduce the tax liability of the client will depend on the client’s entire tax and investment profile, including purchases and dispositions in a client’s (or client’s spouse’s) accounts outside of Wealthfront Advisers and type of investments (e.g., taxable or nontaxable) or holding period (e.g., short- term or long-term). 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."
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children: "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."
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