Investment Accounts

Open, fund, and manage your brokerage accounts.

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Select which investment account you want to fund.

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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.

How will this cash account be owned?

Applying for:

All fields are required to comply with regulatory requirements.

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

Mailing address (U.S. only)

Mailing street line 1

Mailing street line 2 (optional)

City

State

ZIP Code

Employment Information

Employment Type

Employment Details

Regulations require us to collect this information. Please provide your employment information.

Employer

Employer Business

Occupation

Business address is same as home address

Employer Address

Street Address *

City *

State *

ZIP Code *

Country *

Business Description

Describe your business, including the industry sector you are in, which countries you operate in, the products/services you offer, and the primary source of your revenue *

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.

Street address line 1

Street address line 2 (optional)

City

State

ZIP Code

Employment Information

Employment Type

Employment Details

Regulations require us to collect this information. Please provide your employment information.

Employer

Employer Business

Occupation

Business address is same as home address

Employer Address

Street Address *

City *

State *

ZIP Code *

Country *

Business Description

Describe your business, including the industry sector you are in, which countries you operate in, the products/services you offer, and the primary source of your revenue *

Financial Information

Sources of Wealth * (Select all that apply)

Allowance Disability Employment/Business Income Inheritance Interest Investments Pension Property

'Employment/Business Income' must be selected when Employment Type is Employed or Self Employed.

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)

Enter an amount greater than $100 (this is an estimate).

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

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

Required To Disclose If These Are True

Please answer the following regulatory questions: Please answer the following regulatory questions on behalf of both applicants:

I am a control person of a publicly traded company We are each a control person of a publicly traded company, or either of us is I am affiliated with an exchange or FINRA member We are each affiliated with an exchange or FINRA member, or either of us is

Account Creation Not Available

We are unable to create accounts for control persons of publicly traded companies or individuals affiliated with an exchange or FINRA member. Please contact support for assistance.

I am an employee of a publicly traded company We are each an employee of a publicly traded company, or either of us is

Company Stock Symbol *

Company stock symbol is required when you are an employee of a publicly traded company.

Required Agreements

You must accept these agreements to create your account: You must each accept these agreements to create your account:

I acknowledge that I am a U.S. citizen and U.S. permanent resident with a U.S. form of identification. We acknowledge that we are each a U.S. citizen and U.S. permanent resident with a U.S. form of identification. I agree to the We agree to the Terms of Service, Privacy Policy, and Client Advisory Agreement I acknowledge that I have read and understand the We acknowledge that we have read and understand the Investment Disclosures I acknowledge that advisory fees are described on We acknowledge that advisory fees are described on Billing and may be debited from my account. Typically, under 0.6% of account value per year with a cap of 2%. and may be debited from our account. Typically, under 0.6% of account value per year with a cap of 2%. I acknowledge that I have read and agree to the We acknowledge that we have read and agree to the Interactive Brokers LLC Client Agreement and the following IBKR agreements. Legal Acknowledgement Interactive Brokers Group Privacy Policy Forex and Multi-Currency Accounts Disclosure Bond Trading Disclosure Interactive Brokers Business Continuity Plan Disclosure Day Trading Risk Disclosure Statement IB Order Routing and Payment for Order Flow Disclosure Interactive Brokers Municipal Securities Disclosure Global Financial Information Services Subscriber Agreement Notice Regarding NFA's BASIC System Trading of Certificates of Deposit Disclosure After-Hours Trading Disclosure Interactive Brokers Customer Relationship Summary Interactive Brokers General Disclosure on Mutual Funds Algorithmic Execution Venue Disclosure IBLLC Fully Paid Securities Lending Program Disclosure MSLA for IBKR Fully Paid Securities Lending Program IBKR Securities Services LLC Securities Acct Control Agreement Interactive Brokers Fractional Share Trading Disclosure Interactive Brokers LLC Regulation Best Interest Disclosure Interactive Brokers Group Cookie Policy FINRA Investor Protection Information Resources Risk Disclosure Regarding Ramp and Dump Scams Trading Control and Ownership Certification Agreement Limiting Interactive Brokers Liability IBLLC Discretionary Trading Authorization for Advisor Clients Penny Stock Trading Disclosure

E-sign to agree: Enter your exact first and last name to sign your application. E-sign to agree: Each applicant enters their exact first and last name as shown above for their respective section.

First account holder

First name

Last name

Second account holder

First name

Last name

Date:

First and last name must match exactly as entered for the first account holder.

Second holder: first and last name must match exactly as entered above.

Account Created Successfully!

Your account is being processed. You'll receive an email confirmation shortly.

Creating Your Investment Account At Interactive Brokers…

This may take a moment. Please keep this page open.

Interactive Brokers is a S&P 500 listed company. Your funds are held in a segregated account we do not custody.

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Complete required fields

The following is missing or invalid before you can continue:

Verify your identity

Additional verification is required before funding or linking bank accounts.

Verifying…

Choose Verification Method:

Enable Biometrics in Settings Enable 2FA in Settings Verify Phone in Settings

Use your device biometric to continue.

Enter the 6-digit code from your authenticator app

Enter verification code

Select Account

Send Funds To:

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 (broker may charge transfer fees) • Min: $100 • 5–7 business days (no hold)

Bank Wire

Direct wire from your bank

• No fees (bank may charge wire fee) • Min: $100 • 1–3 business days (no hold)

Transfer Details

Pending Wires

Bank Wire Instructions

Enter your wire amount, sending institution, and account ID at that bank. We use this to match your incoming wire after you send it.

Send funds to (receiving account)

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Wire amount (USD)

Minimum $100

Sending institution

Account ID

Wire Transfer Instructions

You still need to complete this wire at your bank. Sign in to your bank’s website or app (or visit a branch) and start a new outgoing wire. Use the beneficiary and bank details below every place your bank asks for where the money is going.

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Deposit Cash From:

Verify Bank Account

Please enter the two verification amounts (in cents) that were deposited into your account. These are small test deposits used to verify your bank account ownership.

First Amount (cents)

Enter the two-digit amount (e.g., 01 for $0.01)

Second Amount (cents)

Enter the two-digit amount (e.g., 02 for $0.02)

Transfer Amount

Enter the amount you want to transfer from your selected bank account.

Transferring From:

Existing Pending Transfers:

Transfer Amount

Minimum transfer: $1.00

ACH in Progress!

Your ACH transfer will show up in your account in a few days.

Deposit Cash by Linking Your Bank Account

To transfer funds using ACH, link your bank account.

Account Type

Account Nickname

Bank Name

Required by Interactive Brokers

Bank Routing Number

9-digit routing number

Your Account Number

Amount To Deposit (optional)

Leave blank to link your bank and deposit later.

Transfer Account using ACATS

ACATS moves investments from one broker to another without selling them. Enter your broker and account number and we will initiate the transfer.

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Broker you are transferring from

Account number at that broker

I authorize transferring this account

First name

First name must be exact

Last name

Last name must be exact

Your broker and account number are valid. We will use this to initiate your ACATS transfer.

Transfer is in progress

Transfer ID:

The transfer is queued

Your ACATS request has been received and will be processed.

Processing your transfer request...

Notice

One More Step Required

Your application is being reviewed.

Fund your account.

Funds may take a few days. It's good to start this process while your application is being processed.

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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.