Having been through this a few times betterment at least did not have a way AT ALL to wire out any amount of money regardless of balance in the account. This caused an issue during a real estate transaction - somewhat to extremely painful.

If wealthfront is offering an available to borrow that is perfect (for this issue).

You do get to a point though where you are like - hey, can I transfer $x of stock to a donor advised fund on this day and are just glad it can happen.

I'm not saying the fee is worth it, just that some folks may be willing to pay it because it appears to improve quality of life, even at cost of performance.

And actually, for something like a favor of $500K to help a close, you may NOT be doing a lot of planning in advance. Sure, call me when you need it if it ends up being needed. Call comes in (days / weeks / months later) - now its a pain.