Your practice's cash should be earning more yield.
Most dental practices keep idle cash in an operating account earning near zero. Waldo automatically invests that cash in professionally managed portfolios and can earn yields of 3.5% up to 5% annually, while you focus on your patients.
No minimum · No need to switch banks · Withdraw anytime
Portfolios powered by world-class asset managers and partners
From idle cash to earning yield in minutes
You do not need to be a finance expert. Waldo handles the investing automatically — you just connect your bank and choose a strategy.
Connect your bank account
Link your practice's existing business checking account through Plaid or wire transfer. No need to close accounts or move all your money — just move what you want to put to work.
Choose a portfolio that fits your practice
Pick a strategy based on how soon you might need the funds and how much risk you want. We offer options from ultra-safe U.S. Treasuries to higher-yield fixed income portfolios.
Earn yield automatically
Waldo manages everything — rebalancing, reinvesting dividends, monitoring rates. You see your balance and earnings in a simple dashboard. Withdraw anytime with same-day liquidity.
Three strategies for three types of practices
Pick based on how soon you expect to need the funds and your comfort with minor fluctuation. All are actively managed on your behalf.
Your AI Cash Advisor — ask anything
Not sure which portfolio is right for your practice? Waldo's AI Advisor understands your situation — practice size, cash reserves, upcoming equipment purchases — and can walk you through the options in plain English. Think of it like having a CFO on call, without the cost.
Your money stays yours — always
Unlike a savings account, your assets are held as securities in your name through our custodian Alpaca Securities, a FINRA-registered broker. They are never loaned out, never leveraged, and never mixed with other clients' funds. You have SIPC coverage up to $75M.
No need to switch banks or change anything
Waldo works alongside your existing banking relationships. Keep your current business checking account for day-to-day operations — payroll, supplies, rent. Just move your excess reserves into Waldo to put them to work. You can move money back in 1 to 3 business days.
The numbers that matter for your practice
Need cash for an unexpected equipment repair or an opportunity? Request a withdrawal anytime — funds settle within 1 to 3 business days.
Your assets are protected by Excess SIPC insurance through Lloyd's of London — far beyond the standard $500K. Your practice reserves are safe.
Most practices are up and running in under five minutes. Connect your bank, choose a portfolio, and Waldo handles the rest automatically.
Put your practice reserves to work.
If your practice has more than $500,000 sitting in a checking account earning near zero, Waldo can likely double or triple what it earns — automatically, with no change to how you bank.
No minimum · No need to switch banks · Withdraw anytime