Grow your practice by helping your clients earn dramatically higher yield on cash, FDIC-insured

Leading wealth management firms use Max

Max integrates with:

How can Max help you?

  • Attract new clients
  • Strengthen existing relationships
  • Bring held-away cash into view
  • Provide more holistic advice

HNW Household Asset Allocation

High net worth individuals are currently holding 22.1% of their assets in cash and equivalents. Now you can help your clients earn better returns on this often-overlooked asset class.

Source: Capgemini World Wealth Report 2020 (North America)

Help Clients Earn More

With Max, your clients can now earn up to 0.75% yield on cash, FDIC-insured. That’s 0.60% to 0.80% more than most investors are earning today in traditional bank or brokerage accounts.

The Max Top Rate is the highest interest rate currently being earned by Max members in their linked savings accounts. The National Average is the simple average of rates paid by U.S. banks on savings accounts, as calculated by the FDIC. Source: FDIC Weekly National Rates

Max Top Rate National Average

The Max Advisor Dashboard helps bring your clients’ cash into view

See account balances across all your clients’ linked checking and savings accounts no matter what reporting or planning software you use, plus:

  • Access our latest collateral, support materials, and rates
  • Kick off the enrollment process for your clients
  • Learn how Max integrates with reporting platforms, planning software, and CRM tools

Max in the Press

Max is a participant in Schwab OpenView MarketSquare™

Schwab OpenView MarketSquare™ is a service of Schwab Intelligent Technologies™ and provides consolidated ratings and reviews of technology solutions made by independent investment advisors. Unless otherwise noted, reviewed technology vendors are not affiliated with Schwab. Ratings and and review do not express or imply any opinion or endorsement by Schwab of any participating vendor or product.

Register for free access to the Max Advisor Dashboard

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Max also offers enterprise solutions for large wealth management firms. Contact us for more information.

How does Max work?

Max is not a bank, asset manager, or investment advisor. Max is a service that optimally allocates cash among your clients’ own bank accounts. Max operates independent of the banks and comes at no cost to advisors. Clients pay a nominal fee of 0.02% per quarter on optimized cash. Clients of financial advisors are not subject to any minimum fee.

How can I learn more and see a demo?

Schedule a call with our Business Development team

Download a one page overview of Max to share with your clients

Max is…


Max monitors interest rates daily. Once a month, it instructs the transfer of funds among a member’s own bank accounts to help maximize interest income, even as rates change. Automatically.


Max helps investors keep their cash within the FDIC insurance limits. It is compatible with banks allowing for an aggregate of up to $2.25 million of incremental FDIC insurance coverage per individual and $9 million per couple.


Max is not a bank and never takes custody of funds. All funds transfers are handled by a member’s own banks. Max employs bank-level security systems and procedures, and has been analyzed and tested by the same leading software security firm that is utilized by most of the world’s largest banks. Learn more about Privacy and Security.


Max operates independently and is free of conflicts because it is not affiliated with any financial institutions. Its website contains no advertising, and member information is kept in strict confidence.


Will my clients’ funds stay in their own FDIC-insured bank accounts?

Yes! Max is not a bank or broker, is not affiliated with any bank or broker, and never takes custody, so all funds remain held directly by your clients in their own bank accounts. Max helps clients earn more by helping spread cash across multiple higher-yielding online savings accounts, boosting yield and FDIC insurance coverage. The Max Common Application makes it easy to open new high-yield savings accounts in minutes by filling out a single online form. Your clients retain full access to their funds, with same-day liquidity if needed.

Which accounts can be linked to Max?

Clients can fund Max from their existing checking, savings, and brokerage accounts at thousands of financial institutions by using a Max Checking account (which opens in as little as 60 seconds) or they may link Max directly to their existing checking account at 18 of the largest banks and brokerage firms in the country, including Fidelity and Charles Schwab Bank. Max then helps sweep excess cash (over a target balance) to high-yield savings accounts at leading FDIC-insured online banks. Many of the banks on the Max platform offer preferential rates, available exclusively through Max.

Are business and trust accounts supported?

Several of the online banks support revocable trusts, either by titling the account in the name of the trust or naming the trust as a Payable On Death (POD) beneficiary. Refer to our guide to Support for Trust Accounts for additional detail. To help you better support business owners, non-profits, and clients with complex trusts, we have partnered with The American Deposit Management Co., which offers competitive rates and extended FDIC insurance on all balances over $250,000. Learn more on the Max Advisor Dashboard or at Rates are subject to change.

How do I get started?

Register on to gain free access to the Max Advisor Dashboard, where you’ll find helpful collateral to share with your clients. You or your client service team can click “Invite Clients” to kick-start the enrollment process for your clients. This will save your clients time and automatically link their Max accounts to your Max Advisor Dashboard. You’ll gain read-only visibility into held-away cash, enabling you to provide more holistic advice while helping your clients earn more.

What happens after a client joins Max?

Clients specify how much cash they wish to keep in checking and the remainder is automatically swept to their higher-yielding savings accounts. Max then works quietly in the background, keeping an eye out for the best rates, automatically reallocating cash among your clients’ own accounts as rates change. Your clients can view their balances at any time, track the status of each transfer, and access cash directly from their checking, brokerage, or savings accounts. Advisors can also gain visibility into client account balances via the Max Advisor Dashboard and reporting integrations.

How secure is Max? How does Max protect privacy?

Max never takes custody of funds. All funds remain in clients’ own accounts and all funds transfers are handled by your clients’ own banks. Max does not sell customer data or cross-sell any other products. Read about the extensive measures we’ve taken to protect your clients’ privacy and the security of their accounts.

Have more questions?

Read our FAQ or contact us at