Updated
How do the Wealthfront referral programs work for Joint Accounts?
Cash Account Referral Program
An APY Boost applies to a maximum of $150,000 across all of your Cash Account balances and categories.
The APY increase is first applied to any Individual or Trust Cash Account balances opened under your profile. We’ll prioritize the accounts with the highest account balances first.
After that, if both the primary and secondary account owner have an active APY Boost, our system will determine which account owner’s APY Boost will provide the maximum value and apply that to the Joint Cash Account with the highest balance and then to any subsequent Joint accounts, from highest to lowest.
A Joint Cash Account can only have one account owner’s APY Boost applied at any given time.
Automated Investing Account Referral Program
Your fee waivers are first applied to any Individual, Trust, IRAs or 529 Plans opened under your profile, proportionately. After that, they are applied to Joint Investing Accounts you’ve opened under your profile, then to any Joint Investing Accounts under your profile that you are a secondary owner on.
Wealthfront’s Platform Referrals Promotion (the “Promotion”) offered by Wealthfront Advisers and Wealthfront Brokerage, allows eligible current Wealthfront clients ("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) (“Eligible New Clients”) to open eligible accounts as part of the Promotion where both the Eligible Referrer and Eligible New Client can each receive a one-time 0.50% APY increase (a “Promotional Boost”) over the then-applicable standard Annual Percentage Yield (“APY”) on up to a maximum aggregate balance of $250,000 in their respective Cash Accounts with Wealthfront Brokerage for three months, and/or a 0.50% match on up to $100,000 of eligible net deposits made into an eligible investment account with Wealthfront Advisers over a three-month period after making or receiving a qualifying account referral, subject to the Terms and Conditions and provided all applicable requirements are satisfied. Eligible Referrers and Eligible New Clients who receive a Promotional Boost through the Promotion will also automatically qualify for three concurrent months of Wealthfront Advisers’ Fee Waiver Program with a waiver of Wealthfront Advisers' standard investment advisory fee on up to $5,000 of their total balance in an eligible account. Terms and conditions apply. 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.
Wealthfront Advisers and its affiliates do not provide legal or tax advice and do not assume any liability for the tax consequences of any client transaction. Clients should consult with their personal tax advisors regarding the tax consequences of investing with Wealthfront Advisers and engaging in these tax strategies, based on their particular circumstances. Clients and their personal tax advisors are responsible for how the transactions conducted in an account are reported to the IRS or any other taxing authority on the investor’s personal tax returns. Wealthfront Advisers assumes no responsibility for the tax consequences to any investor of any transaction.
The Cash Account is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member of FINRA/SIPC. Neither Wealthfront Brokerage nor any of its affiliates are a bank, and the Cash Account itself is not a deposit account. The Annual Percentage Yield (“APY”) on cash deposits as of January 30, 2026, is representative, requires no minimums, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”). Wealthfront Brokerage does not pay interest. Wealthfront sweeps available cash balances to Program Banks where they earn the variable APY.
The information contained in this communication is provided for general informational purposes only. Nothing in this communication should be construed as tax advice, a solicitation or offer, or recommendation, to buy or sell any security.
All investing involves risk, including the possible loss of money you invest, and past performance does not guarantee future performance. Securities investments are not bank deposits, are not bank guaranteed or FDIC-insured and may lose value. 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, including the Cash Account, are provided by Wealthfront Brokerage LLC (“Wealthfront Brokerage”), a Member of FINRA/SIPC. Financial planning tools are provided by Wealthfront Software LLC (“Wealthfront Software”).
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