You can now set up a passkey to easily and more securely log in to your account. 

To create a passkey, open the Wealthfront app, go to your profile, and tap ‘Security’—or click here to get started.

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If you’re wondering what a passkey is and why it’s more secure than a password:

• Passkeys let you sign in to your account the same way you unlock your phone—with your fingerprint, face ID, or passcode.
• You won’t need to remember multiple passwords. Your passkey will work across all your devices.
• Since passkeys don’t rely on SMS-based codes, they aren’t as affected by outages, or phone issues like international roaming.
• Passkeys have better phishing resistance than even the most complicated account passwords.

We know many of you have requested this feature and we’re excited to share this new and improved login experience with you. You can learn more about passkeys here and as always, let us know if you have any questions or feedback.

Disclosures:

Investment management and advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Brokerage products are provided by Wealthfront Brokerage LLC, a Member of FINRA/SIPC. Nothing in this communication should be construed as investment or tax advice. Investing involves risk, including loss of principal. Past performance is not a guarantee of future results. Product images are for illustrative purposes and do not reflect individual experiences, account balances, or performance. Results may vary. © 2026 Wealthfront Corporation.

We’re working on some more educational content for the rest of this year and wanted to source ideas directly from here. Thanks to your previous suggestions, we developed some explainers on the topics below:

• What Wealthfront’s risk score means for your portfolio allocation
• Which taxable investing account is right for you

We’d love to hear your ideas on other topics we should explain next. Some questions around our products we haven’t previously covered are:

• Benefits and tradeoffs of keeping your funds in the Cash Account vs a Certificate of Deposit
• The mechanics of Tax-Loss Harvesting 
• Money Market Funds vs Bond ladders vs Bond portfolios vs Inflation
• Where to save for each type of goal (emergency fund, down payment, retirement, etc.)
• Passive investing strategy

Feel free to comment with anything you’ve found confusing, overly technical, or just want more insight on and if it’s helpful, we can come back and share some more explainers.

Keep in mind that we can’t provide any individual investment advice or recommendations.

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Investment management and advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Brokerage products are provided by Wealthfront Brokerage LLC, a Member of FINRA/SIPC.

Today we launched the Wealthfront Custodial Account. This new account provides a simple and flexible way for parents to save for their child’s future, and it’s one of the only custodial accounts that’s designed to automatically lower the child’s future tax burden through Tax-Gain Harvesting. For a limited time, we’re offering a $100 seed contribution for clients who open either a new Wealthfront Custodial Account or a 529 Account.

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How does Wealthfront’s Custodial Account work?

When you open a Custodial Account, we’ll set your child up with a globally diversified portfolio of low-cost index funds designed to soften the impact of the market’s ups and downs. Our software also works to reduce your child’s future taxes through our automated Tax-Gain Harvesting. You can choose between three levels of risk; low, medium or high and our software will automatically help keep your portfolio balanced with your preferred risk level. You can also customize your child’s portfolio by adjusting asset allocations and adding or removing specific ETFs. 

Who is a Custodial Account right for?

A Custodial Account is a great choice for parents that want the flexibility to help their child with future life expenses, no matter what path the child ends up choosing. It’s worth remembering that once your child reaches the age of transfer (as early as 18, but varies by state), how they use their funds is up to them. 

Use it for	Child’s first investing account—or to help with a car, down payment or nest egg
Tax treatment	Wealthfront’s Custodial Account is designed to reduce your child’s future taxes. Pay no federal taxes on up to $1,350 in unearned income (e.g. investment gains) each year. An additional $1,350 in long-term gains may also qualify for a 0% federal tax rate if your child has little or no other income.
Contributions	No contribution limits although regular gift tax limits apply
Ownership rules	Transfers to child as early as 18, but varies by state

In addition to the flexibility of Custodial Accounts, they’re also a great way to teach your child about investing before it becomes theirs to manage. Watching the account grow over time can help them understand how compounding works in practice and a diversified portfolio in particular can illustrate how markets change year to year, busting the myth that an asset class that performs well today will always continue to do so. 

How does Wealthfront help lower taxes with a Custodial Account?

We look to help lower your child's future taxes by automatically taking advantage of available tax benefits. For example, children can generally receive up to $1,350 of unearned income (such as interest, dividends, and capital gains) each year without owing federal income tax. In addition, another $1,350 of long-term capital gains and qualified dividends may qualify for a 0% federal tax rate. Our software aims to take advantage of these limits by realizing gains when they can be taxed at a low or 0% federal tax rate (assuming your child doesn't have significant earned income or additional investment income elsewhere).

When gains are realized, the investment's cost basis increases. A higher cost basis means less taxable gain when the investment is sold in the future (assuming it appreciates in value). As a result, your child may owe less tax later in life, when they're more likely to be in a higher tax bracket.

This strategy is known as Tax-Gain Harvesting. If you're familiar with Tax-Loss Harvesting, it's a similar concept with a different goal: Tax-Loss Harvesting seeks to reduce taxes in the short term by realizing losses, while Tax-Gain Harvesting seeks to reduce taxes in the future by realizing gains when they can be taxed at a low or 0% federal tax rate. By resetting the purchase price higher, you can help reduce the tax bill your child may face on that investment down the road when it's sold.

Head over to our blog to learn more about Wealthfront’s Custodial Account incl. how it stacks up against a 529 Account.

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Nothing in this communication should be construed as investment or tax advice. Investing involves risk, including loss of principal. Past performance is not a guarantee of future results. Wealthfront Advisers LLC and affiliates do not provide legal or tax advice and are not liable for tax consequences of client transactions. Please consult a personal tax advisor. You are responsible for reporting transactions to the IRS or other taxing authorities.

Custodial accounts (UGMA/UTMA) come with significant limitations. Contributions to a custodial account are irrevocable gifts, meaning once assets are moved into these accounts, they belong to the beneficiary and cannot be reclaimed by the donor for any reason. You also can't rename the beneficiary or use the assets for another person. Custodians have a fiduciary duty to use funds exclusively for the beneficiary's benefit. Legal control of the assets automatically transfers to the beneficiary upon reaching the age of termination (typically 18 to 25, depending on the state), at which point they may use the funds for any purpose, regardless of the custodian’'s original intent. These accounts can also negatively impact financial aid eligibility because the assets are owned by the beneficiary. They are weighted more heavily than parental assets in financial aid formulas, which may significantly reduce eligibility for need-based financial aid.

From a tax perspective, Custodial accounts are not tax-deferred; they are subject to "Kiddie Tax" on unearned income above certain thresholds. For the 2026 tax year, the first $1,350 of a child's unearned income is tax-free, the next $1,350 is taxed at the child's marginal rate, and any amount over $2,700 is taxed at the parents' marginal rate. Contributions must adhere to federal gift tax rules ($19,000 for individuals or $38,000 for a married couple in 2026). Any contributions over the gift tax exclusion may be subject to gift tax. Keep in mind, these figures can change.

Tax-Gain Harvesting is intended to help a beneficiary utilize the 0% federal long-term capital gains tax rate available under the Kiddie Tax rules to potentially reduce future federal tax liability. The effectiveness of this strategy is entirely dependent on the beneficiary’s total unearned income for the tax year (this includes any unearned income outside of Wealthfront) and their current qualification under the Kiddie Tax rules (age, any earned income, and student status). The benefit achieved may be limited or eliminated by a client’s specific tax situation. While the strategy aims to realize gains federal-tax-free, state and local taxes may still apply. Wealthfront will harvest less for Clients with beneficiaries residing in states with lower unearned income thresholds to help avoid creating additional state tax filing requirements. The transaction, which involves selling and immediately reinvesting, may result in gains exceeding the client’s selected harvesting limit due to market volatility or late-arriving dividends. 

The $100 Seed Funding promotion is for new and existing clients of Wealthfront Advisers and requires opening a new Custodial or 529 Account during the "Account Opening Window" (June 23, 2026, through 11:59pm EST on July 23, 2026) and meeting the minimum initial deposit by the "Funding Deadline" (11:59pm EST on August 23, 2026). Additional Terms and Conditions apply. For full details, please review the Custodial & 529 Incentive promotion at wealthfront.com/promo-terms.

Investment management and advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Brokerage products are provided by Wealthfront Brokerage LLC, a Member of FINRA/SIPC.

150+ new stocks (including SpaceX) are now available in the Wealthfront Stock Investing Account. You can see a list of the new additions in your Stock Investing Account by clicking "Browse investments" > "Newly added". 

In general, our Stock Investing Account supports stocks that are members of the CRSP US Total Market Index, as long as they have a minimum share price of $2 and an average daily trading volume of at least $4 million. Our team monitors potential new stocks on a rolling basis and adds them to the platform when they meet our criteria.

Additionally, as we shared in this recent explainer, clients with US Direct Indexing (USDI), Nasdaq 100 Direct, or S&P 500 Direct who prefer not to hold any particular stock in their Direct Indexing portfolios can put it on their restricted list.

Here are answers to some of the top questions we’ve seen about what the expected IPOs of SpaceX, Anthropic, and OpenAI might mean for investors and Wealthfront’s products. 

How could the expected IPOs impact Wealthfront portfolios?

Before we get into the details, it’s helpful to remember that Wealthfront offers direct indexing products tracking three major indices that could hold any of the companies mentioned above after they go public:

• CRSP US Total Market Index: Used in our US Direct Indexing (USDI) strategy available in Automated Investing accounts with a balance over $100,000, this index contains large, medium, and small US stocks covering about 98% of the total US equity market. 
• S&P 500® Index: This index contains about 500 of the largest US companies and covers about 80% of the total US market.
• Nasdaq-100 Index®: This index contains about 100 of the largest non-financial companies listed on the Nasdaq exchange.

In addition to these strategies, Wealthfront supports investments in a variety of ETFs that could hold the stocks as well.

We generally expect any fund tracking an index to buy the stocks in the index it tracks as they are added (maintaining performance close to the underlying index is a primary concern for index funds). Each index has its own rules for eligibility, so whether or not, or how quickly, SpaceX (or any other stock) is added to a given index depends on that index’s rules. 

How could the expected IPOs impact Wealthfront’s Direct Indexing?

Clients with USDI, Nasdaq-100 Direct, or S&P 500 Direct will see their accounts purchase the stocks of these potential new IPOs (or any other stock) when they enter the indices being tracked. Importantly, we will not realize gains in other stocks in order to do so. Purchases of the new IPOs will be done tax efficiently using cash from deposits, dividends, or tax-loss harvesting, which is how our Direct Indexing strategies treat all new stock additions to these indices. 

Clients who don’t want to hold a particular stock in their Direct Indexing portfolios can put it on their restricted list. Wealthfront attempts to get IPO stocks into our systems as soon as possible (and SpaceX is already in our system), so you have plenty of time to add them to your restricted list, if you care to.

• Important note: Wealthfront won’t buy or sell restricted stock. Adding a stock to your restricted list after it’s already in your portfolio means our software won’t buy more, but it won’t sell what you already hold.

 

How could the expected IPOs impact Wealthfront’s Automated Investing Account?

The two main US stock ETFs in Wealthfront’s recommended portfolio allocations (VTI and ITOT) track indices from CRSP and S&P, respectively. VTI tracks the CRSP US Total Market Index, the same index used by Wealthfront’s USDI. ITOT tracks the S&P Total Market Index, which will keep a free float requirement of at least 10%, but does not have the same financial viability or trading history requirements as the S&P 500®. It’s important to note that both indices determine weighting using free-float market capitalization. 

Clients can also customize their Automated Investing Account by choosing from over 200 ETFs, many of which are index-based. For example, the QQQM and QQQ ETFs track the Nasdaq-100 Index®, and we expect that these funds will purchase SpaceX when it’s added to the index (as we would expect for any stock). 

How could the expected IPOs impact Wealthfront’s Stock Investing Account?

SpaceX stock will be available for purchase the first trading day after listing, and we expect the same availability for Anthropic and OpenAI. Clients are also able to purchase the above mentioned ETFs directly in their Stock Investing Account at any time.

Should I adjust my portfolio's risk level to reduce volatility when a highly anticipated stock joins an ETF?

We recommend adjusting your risk level only when your personal financial goals or investment timeline change, rather than in response to macroeconomic or stock market events.

Your Automated Investing Account is invested in broad-market ETFs, which means your exposure to any single stock, even a highly anticipated one like SpaceX, is spread across thousands of companies. This built-in diversification is specifically designed to insulate your portfolio from the volatility of any one business. 

It is also worth noting that lowering your risk score does not swap out or exclude specific individual stocks inside an index, or a Direct Indexing portfolio or ETF tracking that index. Your risk score controls your asset allocation, not the specific holdings inside those asset classes. Decreasing your risk score simply shifts your overall portfolio mix away from equities as a whole (such as US and foreign stocks) and moves it into more conservative, lower-volatility asset classes like municipal or corporate bonds. We explained more on this in our previous post on risk scores.

Lowering your risk score won't alter the internal makeup of the US stock index itself. Doing so to avoid a specific stock would needlessly reduce your exposure to the entire US equity market, a move that functions as a form of market timing and can disrupt your long-term returns. 

Should the expected IPOs change my investing strategy?

Our advice to index investors: don’t let the headlines prevent you from continuing with your investing strategy. These IPOs will not change the long-term benefits of index funds, and if they are added to the indices, your portfolio will remain diversified across a large number of stocks in the index.  

For investors planning to directly purchase stock in these upcoming IPOs (or any other IPO), it’s important to remember that the stocks of recently public companies are often volatile. We believe single stock bets should be one small part of a broader diversified portfolio, and that investors are better off investing in a diversified portfolio of index funds than trying to predict the future trajectory of one (or any) large, buzzy IPOs. 

Let us know if you have additional questions on this topic and we’ll do our best to answer.

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Disclosures:

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 a solicitation, offer or recommendation to buy or sell any security or to open any account. Any links provided to other server sites are offered as a matter of convenience and are not intended to imply that Wealthfront Advisers, Wealthfront Brokerage or any affiliate 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.

Initial public offerings (IPOs) can be risky and speculative investments, and may not be appropriate for every investor. Investing in IPOs involves significant risks that may lead to substantial loss of your original investment. These risks include, but are not limited to, price volatility, limited information on the issuer, and potential overvaluation and/or dilution of the initial trading price. Investors should carefully review the offering prospectus to determine if an IPO aligns with their financial situation and risk tolerance before investing.

Nasdaq®, Nasdaq-100 Index®, NDX®, and Nasdaq-100® are registered trademarks of Nasdaq, Inc. (which with its affiliates is referred to as the “Corporations”) and are licensed for use by Wealthfront Advisers LLC. The Product(s) (“Wealthfront Nasdaq-100 Direct Index”, “Wealthfront Nasdaq-100 Direct”, “Nasdaq-100 Direct”) have not been passed on by the Corporations as to their legality or suitability. The Product(s) are not issued, endorsed, sold, or promoted by the Corporations. THE CORPORATIONS MAKE NO WARRANTIES AND BEAR NO LIABILITY WITH RESPECT TO THE PRODUCT(S).

The S&P 500® index is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and has been licensed for use by Wealthfront Advisers LLC. Standard & Poor’s®, S&P®, S&P 500®, US 500 and The 500 are trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Wealthfront Advisers LLC. Wealthfront’s S&P 500 Direct Portfolio is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates and none of such parties make any representation regarding the advisability of investing in such product nor do they have any liability for any errors, omissions, or interruptions of the S&P 500® index.

Our direct indexing portfolios (S&P 500 Direct and Nasdaq-100 Direct) invest in many stocks in their respective underlying index, but they may not invest in all stocks in the index. Its performance may deviate from its associated index due to tracking error, market conditions, and limitations of Tax-Loss Harvesting. Account size and customization options, such as excluding individual stocks, may affect your portfolio’s ability to track its underlying index. Since indices are not available for direct investment, their performance does not reflect the expenses associated with the management of an actual portfolio.

Indices are not available for direct investment; therefore, their performance does not reflect the expenses associated with the management of an actual portfolio.

Wealthfront Advisers and affiliates do not provide legal or tax advice and are not liable for tax consequences of client transactions. Please consult a personal tax advisor. You are responsible for reporting transactions to the IRS or other taxing authorities.

All investing involves risk, including the possible loss of money you invest, and past performance does not guarantee future performance. Please see our Full Disclosure for important details.

Investment management and advisory services are provided by Wealthfront Advisers LLC (“Wealthfront Advisers”), an SEC-registered investment adviser, and brokerage related products are provided by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), a Member of FINRA/SIPC. The Stock Investing Account is a limited-discretion investment product offered by Wealthfront Advisers. Financial planning tools are provided by Wealthfront Software LLC (“Wealthfront Software”).

Wealthfront Advisers, Wealthfront Brokerage, and Wealthfront Software are wholly-owned subsidiaries of Wealthfront Corporation.

© 2026 Wealthfront Corporation. All rights reserved.

Trump Accounts are expected to launch July 4. Eligible kids born between 2025–2028 can receive $1,000 in seed funding to help them start building wealth. But they're not the only option for parents who want to help their kids get a strong financial start in life.

In this post, we’ll explain the ins and outs of Trump Accounts and who can likely benefit from them the most. We’ll also compare them to two other popular savings vehicles used by parents: 529 plans and custodial accounts, and walk through how to think about combining them for your unique situation. 

What are Trump Accounts?

You can think of Trump Accounts as retirement accounts you can open for your child (or children) under the age of 18, as long as they are US citizens with a valid SSN. If their birthday falls between January 1, 2025 and December 31, 2028 then they’ll also be eligible to receive a $1,000 starting investment from the US Treasury. When your child reaches the age of 18, the account converts into a traditional IRA in their name (they can also convert the traditional IRA to a Roth IRA) which they can access without penalties at age 59.5. However, they can also make withdrawals for certain purposes (like education or buying their first home—full list here) before then without incurring penalties. The launch of Trump Accounts marks the first time kids will be able to access their own IRAs without having their own earned income to contribute.

Here are the highlights at a glance:

Who can open one?	What’s the contribution limit?	When does the account transfer to the child?	When and how can the money be used?	Are there tax benefits?	Other considerations
Parents or legal guardians of US citizens under the age of 18 with a valid SSN.	$5,000 per year	When they turn 18—at that point, it converts into a traditional IRA in their name	At 18, beneficiaries can make withdrawals for qualified expenses like buying a first home (up to $10k) or paying for higher education. Otherwise, it’s available after age 59.5 without penalties.	Yes. Like a traditional IRA, the account grows tax-deferred but qualified withdrawals are taxed as ordinary income.	These accounts could impact your child’s financial aid. Investment options are limited to low-cost mutual funds or index ETFs that track  US stocks.

What are 529 plans? 

529 plans are one of the most popular ways to save for a child’s education, and they offer appealing tax advantages. Contributions are tax-deductible in some states, and the only real limit is the gift tax exclusion limit (currently $19,000 in 2026, but this limit can change yearly based on inflation). However, you can get around this limit by “superfunding,” or making up to five years’ worth of contributions at once in order to get the most out of compounding and tax-advantaged growth. Growth and withdrawals are tax-free when used for qualified education expenses. 

While 529s are specifically for educational expenses, they can be used to cover more than you might think, including K-12 education, vocational school, and student loans. If you have money left over after your child’s education is paid for, you can change the beneficiary of the account or roll up to $35,000 of what’s left into a Roth IRA for your child 

Here are the highlights at a glance:

Who can open one?	What’s the contribution limit?	When does the account transfer to the child?	When and how can the money be used?	Are there tax benefits?	Other considerations
Anyone—friends or family, as long as they’re at least 18 years old and a US citizen/legal resident.	There’s no limit, but you should be mindful of the $19,000 annual gift tax exclusion (unless you’re superfunding).	It doesn’t. But leftover funds up to $35,000 can be rolled into a Roth IRA in the child’s name. You can also change the beneficiary.	You can use the money at any time to pay for qualified educational expenses (including K-12, not just college!).	Yes. Contributions may be tax-deductible in some states. Growth and qualified withdrawals are tax-free.	You can maximize your 529 contributions by superfunding with up to five years’ worth of contributions (up to the gift tax limit) at once.

What are custodial accounts? 

Custodial accounts, a category that includes Uniform Transfer to Minors Act (UTMA) accounts and Uniform Gift to Minors Act (UGMA) accounts, offer a way to set aside money for your child that becomes theirs after they hit the age of transfer (this is commonly on their 18th birthday but can happen later depending on the state). Many parents treat them as an opportunity to teach their kids about investing from a young age, a kind of launchpad for what will eventually help them continue to invest in the future. 

These accounts are far more flexible than a 529 or a Trump Account in terms of what you can use them for. They have no contribution limits, and offer more investment options than Trump Accounts (which is arguably better for teaching young investors about diversification). However, you lose control over the use of funds, once the account transfers to the child, unlike a 529 plan. As of 2026, the first $1,350 in dividends, interest, and capital gains realized in the account are tax-free each year and the next $1,350 are taxed at your child’s rate. Any annual dividends, interest, and realized capital gains over $2,700 are taxed at your tax rate—this is known as the Kiddie Tax, and limits can change annually based on inflation. 

Here are the highlights at a glance:

Who can open one?	What’s the contribution limit?	When does the account transfer to the child?	When and how can the money be used?	Are there tax benefits?	Other considerations
Anyone—friends or family, as long as they’re at least 18 years old and a US citizen/legal resident.	There’s no limit, but you should be mindful of the $19,000 annual gift tax exclusion.	At the age of transfer—usually 18 or 21, based on the state the account is established in.	You can use the funds before the age of transfer as long as it’s for the child’s benefit (but can’t be used for food, shelter, or other parental obligations). After the age of transfer, funds can be used for anything.	Yes, but they’re limited by the Kiddie Tax.	These accounts could impact eligibility for financial aid and may impact their parents tax filing. (Note: You may want to speak to a tax professional.)

How to think about combining them:

The free $1,000 seed money in the Trump Account is the obvious starting point if your child qualifies. Think of it like not leaving your 401(k) match on the table. From there, it depends on what you're trying to accomplish:

• Primarily saving for education? Layer in a 529.
• Want to give your kid a flexible financial head start? A custodial account may be the right move.
• Trying to maximize everything? You can start with the Trump Account seed money, superfund a 529 if education costs are likely, then use a custodial account for additional flexibility.

Generally, you’ll notice there’s a tradeoff between tax advantages and flexibility. Your perfect mix of accounts doesn’t necessarily look like anyone else’s—it’s all about personal preference and your tax situation (and it’s worth talking to a tax advisor about this, too). 

Let us know what other questions you have on these account types—we published a full breakdown on the Wealthfront blog if you’d like to go deeper.

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Disclosures

Nothing in this communication should be construed as investment or tax advice. Links to other sites are provided for convenience only. Wealthfront Advisers or its affiliates don't endorse, sponsor, promote, or are affiliated with these sites, their owners, or their content, unless expressly stated. Investing involves risk, including loss of principal. Past performance is not a guarantee of future results. Wealthfront Advisers and affiliates do not provide legal or tax advice and are not liable for tax consequences of client transactions. Please consult a personal tax advisor. You are responsible for reporting transactions to the IRS or other taxing authorities.

Custodial accounts (UGMA/UTMA) come with significant limitations. Contributions to a custodial account are irrevocable gifts, meaning once assets are moved into these accounts, they belong to the minor and cannot be reclaimed by the donor for any reason. You also can't rename the beneficiary or use the assets for another person. Custodians have a fiduciary duty to use funds exclusively for the minor's benefit. Legal control of the assets automatically transfers to the beneficiary upon reaching the age of termination (typically 18 to 25, depending on the state), at which point they may use the funds for any purpose, regardless of the custodian’'s original intent. These accounts can also negatively impact financial aid eligibility because the assets are owned by the child. They are weighted more heavily than parental assets in financial aid formulas, which may significantly reduce eligibility for need-based financial aid.

From a tax perspective, these accounts are not tax-deferred; they are subject to "Kiddie Tax" on unearned income above certain thresholds. For the 2026 tax year, the first $1,350 of a child's unearned income is tax-free, the next $1,350 is taxed at the child's marginal rate, and any amount over $2,700 is taxed at the parents' marginal rate. Contributions must adhere to federal gift tax rules ($19,000 for individuals or $38,000 for a married couple in 2026). Any contributions over the gift tax exclusion may be subject to gift tax. Keep in mind, these figures can change. Wealthfront Advisers and affiliates do not provide legal or tax advice and are not liable for tax consequences of client transactions. Please consult a personal tax advisor regarding your individual situation.

Trump Accounts involve financial risks and structural limitations. Capital is restricted to low fee US index funds or ETFs, which limits asset allocation flexibility and prevents customization. All funds in the account are illiquid and are generally locked with no early withdrawal options until the child reaches age 18. Upon adulthood, the mandatory conversion to a Traditional IRA subjects the capital to retirement regulations; consequently, distributions before age 59½ may trigger penalties and ordinary income taxes. Furthermore, these accounts may be subject to political and regulatory risks that could alter tax advantages, match structures, or program rules through future congressional actions or policy shifts.

529 Accounts*: You should consult your financial, tax, or other advisor to learn more about how state-based benefits (or any limitations) would apply to your specific circumstances before investing in a 529 plan. You also may wish to directly contact your home state’s 529 plan(s), or any other 529 plan, to learn more about those plans’ features, benefits and limitations. Keep in mind that state-based benefits should be one of many appropriately weighted factors to be considered when making an investment decision. Earnings on nonqualified withdrawals are subject to federal income tax and may be subject to a 10 percent federal tax penalty, as well as state and local income taxes. The availability of tax and other benefits may be contingent on meeting other requirements.*

Investment management and advisory services are provided by Wealthfront Advisers LLC ("Wealthfront Advisers"), an SEC-registered investment adviser. Brokerage products are provided by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), a Member of FINRA/SIPC.

You can now move your individual investing account into a Joint Account without liquidating assets or triggering a taxable event. 

How the process works:

• When you change the account ownership, we’ll create a new co-owned account and automatically transfer your assets. This should take about 2 business days, and once it’s complete we’ll close your old account.
• Your assets are transferred in-kind to the Joint Account without triggering a sale or tax event.
• As demonstrated in the product flow below, you can initiate this process directly from the Wealthfront app.

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Up next: You’ll soon be able to move an Individual or Joint Investing Account into a Trust Account.

Let us know if you have questions on this new feature.

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Disclosure: Investment management and advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Nothing in this communication should be construed as investment or tax advice. Investing involves risk, including loss of principal. Past performance is not a guarantee of future results. Product images are for illustrative purposes and do not reflect individual experiences, account balances, or performance. Results may vary. © 2026 Wealthfront Corporation.

We’re exploring updates to our debit card and overall checking experience, and we want to build the features you’re most interested in.

Which of these checking features would you use?

• 1% cash back reward program
• Free international ATMs
• Virtual / privacy (one-time use) card numbers
• Higher spending and ATM withdrawal limits

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Disclosure: Wealthfront Brokerage partners with Green Dot Bank, Member FDIC, to offer certain checking features for the Wealthfront Cash Account, including the optional Wealthfront Visa® Debit Card which is issued by Green Dot Bank pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa International Service Association. 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. Wealthfront Brokerage is not affiliated with Green Dot Bank.

The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC, Member FINRA/SIPC. Wealthfront Brokerage is not a bank.© 2026 Wealthfront Corporation.