Investment Accounts

Create Investment Account

Choose Your Account Type

Main Account

Taxable Investment Account

Your main investment account with no contribution limits.

Individual or Joint
Cash account only (not margin)
No contribution limits
Flexible withdrawals anytime
Capital gains tax on profits
No age restrictions

Create Later

Traditional IRA

Tax-deferred retirement savings with potential tax deductions

Tax-deductible contributions (if eligible)
Tax-deferred growth
Required minimum distributions at age 73-75
$7,000-$8,000 annual contribution limit (2025)

Available after creating your taxable account

Create Later

Roth IRA

After-tax contributions with tax-free growth and withdrawals

No tax deduction on contributions
Tax-free growth and withdrawals
No required minimum distributions
$7,000-$8,000 annual contribution limit (2025)

Available after creating your taxable account

Your account is secure and regulated

Your assets are held at Interactive Brokers, a public S&P 500 custodian and FINRA/SIPC member.
eSmeb Incorporated is the SEC-registered investment adviser providing financial guidance.
WaterfallWealth never holds your funds.

Account Holder

Salutation

First Name

Last Name

Marital information

Marital Status

Number of Dependents

Know Your Customer Information

Date of Birth

Social Security Number

Country of Birth

Contact Information

Email Address

This is your account email address

Phone Number

Residential address (U.S. only)

Street address line 1

Street address line 2 (optional)

City

State

ZIP Code

My mailing address is different from my residential address

Employment Information

Employment Type

Second Account Holder

Salutation

First Name

Last Name

Marital information

Marital Status

Number of Dependents

Know Your Customer Information

Date of Birth

Social Security Number

Country of Birth

Contact Information

Email Address

Co-applicant contact email

Phone Number

Residential address (U.S. only)

My residential address is different from the first account holder.

Employment Information

Employment Type

Financial Information

Sources of Wealth * (Select all that apply)

Please provide your financial information as required by regulatory requirements.

Net Worth

Liquid Net Worth

Annual Net Income

Investment Objectives

Investment Objective Profile

Your selection will determine which investment products are used for your account.

The following products will be available to your investment account: "Mutual Funds", "Stocks and ETFs", "Bonds", "Multi-asset products", "Complex or leveraged products", and "Leveraged Forex". Only products aligned with your investment objectives will be used, even if more are available.

Investment Experience

This helps us ensure your portfolio is appropriate for your experience level. For each category below, choose the tier that matches you.

Stocks / ETFs (STK)

What is your experience with Stocks / ETFs?

Bonds (BOND)

What is your experience with Bonds?

Options (OPT)

What is your experience with Options? Options are not used in standard portfolios.

Funding

Planned Initial Funding Amount *
(Fund when you are ready; must be greater than $100)

Planned Auto-Save/Auto-Withdraw Amount
(Setup after account creation)

Monthly automatic deposit (positive) or withdrawal (negative) (optional)

Fund Your Account

Add money to your investment account

Select Account

Choose Funding Method

Deposit Cash

Link Bank Account

• No fees

• Min: $1

• 1-3 business days (4 day hold)

Transfer Account

Transfer from another brokerage

• No fees. Your broker may charge transfer fees.

• Min: $100

• 5-7 business days (no hold)

Transfer Details

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Performance Analysis *

	Waterfall Algorithm	Buy & Hold

Price Chart

Waterfall Algorithm vs Buy & Hold Baseline ($10,000 Initial Investment) *

Waterfall Algorithm Component Analysis ($10,000 Initial Investment)

*The performance shown is purely hypothetical and was generated by applying WaterfallWealth's algorithm to historical price data. This is not based on actual investor assets being managed using this strategy during the period shown. Backtested results do not represent actual trading and are inherently limited due to hindsight bias, the absence of real trading costs, market impact, and execution constraints. Results may differ materially from what could be achieved in practice. Past performance, whether actual or hypothetical, is not indicative of future results.

Investment Accounts

Your Investment Accounts

Create Investment Account

Choose Your Account Type

Taxable Investment Account

Traditional IRA

Roth IRA

Your account is secure and regulated

How will this cash account be owned?

Account Holder

Contact Information

Employment Information

Employment Details

Employer Address

Business Description

Second Account Holder

Contact Information

Employment Information

Employment Details

Employer Address

Business Description

Financial Information

Investment Objectives

Investment Experience

Funding

Required To Disclose If These Are True

Account Creation Not Available

Required Agreements

Account Created Successfully!

Fund Your Account

Select Account

Send Funds To:

Choose Funding Method

Deposit Cash

Transfer Account

Bank Wire

Notice

Account Transactions

No Transactions Found

One More Step Required

Fund your account.