Flourish

Add client value and drive growth with Flourish Cash

3.25% APY§

Flourish Cash† is an invitation-only cash account designed exclusively for the clients of independent financial advisors 

No account minimums

No Flourish fees∫∫

Unlimited transfers

More than 8x the national savings account average# 

Up to 30x the FDIC insurance coverage through our Program BanksΩ

Individual, joint, and business accounts 

Rate subject to change.

 

This form is for Registered Investment Advisors only. If you are an individual investor, please contact your advisor for an invitation!

"When Flourish was introduced to us, a light came on. Since then, we’ve incorporated holistic cash management into discussions with every single client."

– Ryan Huey, President of RoseRock Wealth Management±

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Interested in learning how other firms have found success? From boutique firms like RoseRock to multi-billion dollar RIAs like Focus Partners, our case studies show Flourish Cash in action.

Four simple steps to get clients started

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Add Flourish Cash to your client meeting agenda 
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Ask your clients about their cash holdings
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Introduce Flourish Cash and its benefits
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Send client an invitation to start earning more

Every client has cash

Start the conversation today to help them earn more and drive firm growth. 

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Built for advisors

  • Easy-to-use cash management solution for clients' held-away cash, or for use alongside existing brokerage accounts†
  • Branded with your logo at no cost 
  • Bring excess cash into the portfolio — over $675M has been transferred from Flourish Cash accounts to custodians||
  • Provide better advice through integrations with key reporting and planning systems such as Orion, eMoney, and Envestnet
  • Engage prospects and build relationships with your clients' networks through Flourish's built-in referral engine

Clients get more with Flourish Cash

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  • Up to 3.25% APY§

    A competitive variable rate means clients earn more on their held-away cash

  • 30x FDIC coverage

    Up to $7.5M for individual and business accounts and up to $15M for joint accounts through our FDIC-member Program BanksΩ

  • No Flourish fees or minimums

    Clients can fund their Flourish Cash account with as little as $1 — with no fees to open or maintain the account, the rate your clients see is the rate your clients get∫∫

  • Maintain liquidity

    Automatic transfer tools make it easy for your clients to manage their savings, and unlimited transfers mean they always have access to their money|

  • Exclusive access

    Invitation-only access to the Flourish platform, a beautifully-designed product that is secure and easy to use

Ready to start using Flourish Cash at your firm? 

Contact us to request a demo and learn more today!

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Legal and Privacy

Flourish is an online platform through which investors can access financial services and products. Flourish’s offerings are provided by different entities and are subject to different terms, investor protections, and risks. Flourish Cash is offered by Flourish Financial LLC, a registered broker-dealer and FINRA member. Flourish Financial LLC is not a bank. Check the background of Flourish Financial LLC and its personnel on FINRA's BrokerCheck. Flourish Annuities refers generally to the annuity platform operated by Flourish Technologies LLC and to Flourish Insurance Agency LLC, and, where applicable, Flourish Financial LLC. Flourish Insurance Agency operates in its capacity as a licensed insurance producer with offices in Jersey City, New Jersey, and does business in California under the name Flourish Digital Insurance Agency, providing insurance services related to such platform. Variable annuities, defined in this context to include Registered Index-Linked Annuities (“RILAs”), are offered through Flourish Financial LLC. Annuities shown on the platform are sold through Flourish Annuities, and are issued by one or more licensed insurance companies. The Flourish entities mentioned above are affiliates. Flourish Cash and Flourish Annuities accounts are separate accounts and only assets in Flourish Cash accounts may be eligible for protection by the FDIC or SIPC. Please review the Legal section of our website, and the disclosures provided with each Flourish service or product for further information. If you were introduced or invited to Flourish by an investment advisor or other third party, please be aware that, unless otherwise disclosed to you, they are not affiliated with any Flourish entity. The role of the investment advisor or other firm that invited you to Flourish may vary between different Flourish services and products, as further described in your terms of service. © 2025 Flourish. All rights reserved.

† A Flourish Cash account is a brokerage account offered by Flourish Financial LLC, a registered broker-dealer and FINRA member. Flourish Financial LLC is not a bank. Check the background of Flourish Financial LLC and its personnel on FINRA's BrokerCheck. The cash balance in a Flourish Cash account will be swept from the brokerage account to deposit account(s) at one or more third-party Program Banks that have agreed to accept deposits from customers of Flourish Financial LLC. The accounts at Program Banks will pay a variable rate of interest.

§ Flourish Cash has a tiered interest rate structure and currently has one tier in effect. Rate and FDIC insurance coverage details can be found in the program summary. We deposit your cash with one or more of the Program Banks, subject to any Program Bank(s) you have excluded. You will earn the highest rate offered by Flourish up to the maximum deposit amount for each tier. Each annual percentage yield (APY) displayed here is effective as of 12/11/2025 and may change at any time. Your advisor may charge fees which impact the effective rate you receive on your cash; you should speak with your advisor for more information. The Flourish Cash interest rate(s) could be lower than the rate that could be earned by opening a deposit account directly with a Program Bank.

∫∫ Advisory firms may charge fees that are collected from Flourish accounts and that may impact the effective rate received. Speak with your advisory firm for more information. Wire fees may apply.

# Federal Deposit Insurance Corporation, National Deposit Rates: Savings [SNDR], retrieved from FRED, Federal Reserve Bank of St. Louis; https://fred.stlouisfed.org/series/SNDR, 11/17/2025.

Ω The cash balance in a Flourish Cash account that is swept to one or more Program Banks is eligible for FDIC insurance, subject to FDIC rules, including aggregate insurance coverage limits. FDIC insurance will not be provided until funds arrive at the Program Bank. The current list of Program Banks can be found here. Customers are generally eligible for FDIC insurance coverage of $250,000 per customer, per Program Bank, for each account ownership category. FDIC insurance coverage details can be found in the program summary. If the number of Program Banks decreases for a customer (for instance, because a customer chooses to exclude Program Banks from receiving their deposits), the amount of FDIC insurance through Flourish Cash could be lower. Customers are responsible for monitoring whether they maintain deposits at a Program Bank outside of Flourish Cash and should consider choosing to exclude that Program Bank from receiving their deposits to avoid exceeding FDIC insurance limits. Although Flourish Cash is offered through a brokerage account and cash held in brokerage accounts often has the benefit of SIPC protection, until such time as we offer securities products, customers likely will not have the benefit of SIPC protection. SIPC protection is not available for cash held at the Program Banks. For additional information regarding FDIC coverage, visit https://fdic.gov/.

± This feedback may not be representative of the experience of other customers, and is not a guarantee of future performance or success.

|| Source: Flourish Financial LLC; data as of 10/01/2025 since inception

| For transfer requests submitted by the applicable deadline, funds will generally be transferred to or from the requested external account by the same or next business day, except for requests submitted on the weekend or on a holiday, which should be completed by the following business day. In some circumstances, transfers may take longer to complete, as further described in your Account Agreement. For withdrawal requests, fund availability is subject to the processing timeline of the receiving financial institution and may not be displayed or available until the end of the financial institution's business day.