Advisor Resources

5 practical ways to help clients during market volatility Jun 12, 2025 1:22:38 PM Markets can be unpredictable, but with these five tips, your client’s investing strategy doesn’t have to be. During volatile markets, clients look to their advisors for more than just financial expertise. They’re looking for reassurance and perspective. Below are five ways you can help your clients keep their financial plans on track, balancing the stresses of short-term volatility and long-term goals. 1. Assess your client’s goals Volatility provides an ideal moment to review your client’s financial plan and confirm it still reflects their goals, risk tolerance, and time horizon. Recent changes in your clients’ lives, paired with market changes, can put your clients at risk of not reaching their goals. By conducting an assessment of each client’s goals, you can plan to make adjustments if needed to align assets with a client’s financial needs. For example, making sure they have enough lower-risk assets (cash or bonds) to cover shorter-term needs. You can use this opportunity to stress-test a client’s portfolio and remind them that their plan is built to weather periods like this. Tools within Betterment Advisor Solutions allow you to update risk preferences, adjust allocations, and communicate clearly how changes may affect long-term projections. 2. Use auto deposits to maintain consistent investments A simple and effective way to help clients stick to their plan is by encouraging automated deposits. When markets decline, many investors are tempted to stop making contributions, which means they could lose out on potential market gains when the market rebounds. Setting up recurring auto deposits into investment accounts can help clients stay committed to their goals regardless of market swings. Auto deposits also enable dollar-cost averaging, which spreads out purchase prices over time and helps manage downside risk. The key is consistency, and automation makes that easier to maintain. Here’s an easy explainer on dollar-cost averaging for your clients. 3. Use Cash Reserve to build a buffer Financial confidence during downturns often comes from knowing there’s money set aside for unexpected expenses. Without a cash buffer, Without a cash buffer, clients might feel pressured (or forced) to sell investments at a loss to cover unexpected expenses. Clients also risk having to tap into 401(k)s and other retirement accounts, which can come with consequences. Clients should aim to set aside 3–6 months’ (or more!) worth of expenses in a high-yield cash account and earn a competitive interest while maintaining ease of access to their funds. Using a Cash Reserve account from Betterment not only enhances liquidity but also ensures their investment strategy stays intact during market volatility. Here are tips for your clients on how to level-up their emergency fund. 4. Set up a gains allowance Market volatility often fuels the urge to “take profits” or, potentially worse, miss the opportunity altogether. Rather than managing volatility on the fly, an automated gains allowance allows you to maintain more granular control over capital gains while optimizing your client’s tax impact. Without a gains allowance, clients may struggle with the fact that they haven’t realized any profits, leading to one-off decisions. With Betterment Advisor Solutions’ tax management tools, advisors can set an annual capital gains allowance for each taxpayer in a household. With our automated tech, capital gains realized from all taxable events will contribute to the gains allowance, while all realized capital losses in taxable accounts will offset realized gains and free up room in the gains allowance. When the allowance is reached, trading will cease selling assets with unrealized capital gains but will continue selling assets at a loss. With Betterment, you can edit this allowance at any time for your clients. 5. Communicate proactively In times of uncertainty, silence can create fear. Advisors should lean into proactive communication, offering perspective, context, and empathy. Without communication, clients may lose trust in your ability to serve them and likely go elsewhere to have their questions answered. By consistently checking in with clients, you can build deeper relationships. It’s also an opportunity to build more trust by using data and historical trends to reframe market dips as opportunities, like buying at a discount, rebalancing portfolios, or optimizing taxes. Betterment’s platform offers advisors communication and planning tools to connect 1:1 with clients. Grow your RIA, even in turbulent times Betterment Advisor Solutions is the all-in-one custodial platform for independent RIAs. Get the technology and support to serve more clients, more efficiently, across investing, retirement, and cash.

SECURE 2.0 deadlines for 2025: What advisors need to know to support their clients May 22, 2025 10:57:37 AM Savvy financial advisors can leverage their knowledge of SECURE 2.0 to increase client loyalty and serve workplace plans. Here’s how. The SECURE 2.0 Act was passed in 2022, but its provisions are still being implemented. Designed to encourage more employees to save for retirement in a workplace-sponsored plan, the legislation makes it easier for employees to build emergency savings and also pay down student loans. Why is SECURE 2.0 important for advisors? Many of your clients could benefit from the SECURE 2.0 provisions, but they may need help navigating multiple decisions. In the 2024 Betterment at Work Retirement Readiness Annual Report, we found that 37% of respondents reported not having an emergency fund 41% of respondents report they are currently managing student debt With provisions that address both emergency savings and student loans, as an advisor, you can be a trusted guide for clients looking to manage a stressful financial life. SECURE 2.0 provisions that may impact your clients Whether you’re advising an entire retirement plan for a workplace or serving individual clients, the following provides you with an overview of some of the most important SECURE 2.0 provisions that may impact your clients’ financial plans. Student loan matching contributions Effective date: January 1, 2024 (new IRS guidance issued for January 2025) What’s changing: Employers can treat an employee's qualified student loan payments as elective deferrals for the purpose of making matching contributions to retirement plans, such as 401(k), 403(b), SIMPLE IRA, and governmental 457(b) plans. Purpose: This optional provision aims to assist employees who prioritize student loan repayments over retirement savings, enabling them to receive employer matching contributions even if they are not contributing directly to their retirement plan. How you can help clients: Not all employers will offer this provision. If you’re advising plan administrators, you can coach them through launching a student-loan match and help them educate their employees. For individual clients, you can help them find the right balance between retirement savings and student loan payments. Automatic enrollment for new retirement plans Effective date: January 1, 2025 What’s changing: New 401(k) and 403(b) plans established after December 29, 2022, must automatically enroll eligible employees. The initial default contribution rate must be at least 3%, increasing by 1% annually until it reaches at least 10%, but not more than 15%. Exemptions: Businesses with 10 or fewer employees, those in operation for less than three years, church plans, and governmental plans are exempt from this requirement. How you can help clients: Help your clients calculate how much they need to save. The default contribution may be appropriate for some, but not all. Additionally, you can ensure your clients are considering their workplace plan assets along with their other savings to build a healthy, holistic portfolio. Catch-up contributions (enhanced for ages 60–63) Effective date: January 1, 2025 What’s changing: Individuals aged 60 to 63 can make higher catch-up contributions to 401(k), 403(b), and governmental 457(b) plans. The limit increases to the greater of $10,000 or 150% of the standard catch-up amount, which is projected to be $11,250 in 2025. Additional notes: This enhanced limit is available only to qualified individuals who are 60 to 63. Upon reaching age 64, the standard catch-up limit applies. How you can help clients: Given the detailed nuances of this provision, you can prepare clients who are in their late 50s or early 60s plan for it. You can help them do the math and determine the right amount of catch-up contribution for them. Emergency savings accounts linked to retirement plans Effective date: January 1, 2025 What’s changing: Employers may offer pension-linked emergency savings accounts (PLESAs) to non-highly compensated employees. Employees can contribute up to $2,500 to these accounts on an after-tax basis, with the ability to make penalty-free withdrawals. Employer matching: Employers may offer matching contributions on these emergency savings, similar to standard retirement contributions. How you can help clients: It may seem simple, but some of your clients, especially if you advise workplace plans, may not have emergency savings. Or if they do, there is a good chance many don’t know how much to save. You can provide advice to ensure these clients set aside adequate savings for the unexpected. How SECURE 2.0 creates growth opportunities for financial advisors Given the need for education around SECURE 2.0, financial advisors are well-positioned to capitalize on two growth opportunities: Build client loyalty Advisors are in a position to help individual clients navigate retirement saving decisions related to their workplace plans. For example, clients may benefit from being advised on the following provisions: Catch-up contributions: Individuals aged 60 to 63 can make higher catch-up contributions, but there are IRS guidelines that your clients need to follow. Student loan matching contributions: If your clients’ employers offer student loan matching, you can help clients determine how much they should pay towards their student loans versus funding their retirement plans. Increase retirement plan business SECURE 2.0 makes it easier for workplaces to offer plans and increase participation, creating growth opportunities for advisors who serve retirement plans. Here are two ways your firm may benefit from SECURE 2.0 while advising plans: Increased plan participation: Automatic enrollment under SECURE 2.0 means more employees saving for retirement—creating more opportunities to engage, educate, and support participants with long-term financial planning. Build loyalty with plan administrators: The legislation comes with many new provisions for plan administrators to track. Advisors who are well-versed in SECURE 2.0 can establish a reputation as a trusted expert for workplace plan administrators, helping them and their employees understand the legislation. We’re here to help your firm grow Helping you grow your RIA your way. Betterment Advisor Solutions is the all-in-one custodial platform purpose-built for independent RIAs. To learn more about our digital platform, get in touch with a member of our team. Looking for knowledge to grow your business? From understanding SECURE 2.0 legislation to the latest advisor tech and everything in between, our experts at Betterment have resources to help you grow your firm. See all free advisor resources.

5 Tips to Give to Inexperienced Investors During A Market Dip May 13, 2025 11:53:05 AM If your clients are first-time investors, helping them make that initial deposit and setting up their portfolios can be difficult. During a market dip? Even more so. Here are 5 talking points to help you communicate with inexperienced investors in times of volatility. Investing money for the first time may make your clients feel like they're diving into the deep end of the pool. It can be even more nerve-wracking when market conditions are choppy. If they ultimately decide they're ready, here are 5 tips for helping new investors get started during a market downturn. 1. "Have an emergency fund." Talking about emergency planning can be a great way to get new investors comfortable with the idea of investing. Help your client set about 3 to 6 months worth of expenses and recurring payments aside to build an emergency fund held in a cash account or a low-risk investment portfolio. Having this safety net will give your client the confidence to invest the rest of their money more aggressively—and with less worry. 2. "Invest at your own pace." Lump sum investing allows clients to optimize their money immediately in an appropriate portfolio strategy based on their specific goals and time horizon. Although this approach may generate a better investment outcome over the long term, inexperienced investors can be hesitant. Your more risk averse clients may prefer to dollar-cost average, spreading out risk during volatile market periods. Another approach that may make clients feel more comfortable is to invest a little bit at a time. One of the best ways to do this is by helping your clients set up an auto-deposit schedule where they choose the investment amount (i.e., $300) and frequency (i.e., monthly). By setting their own pace, your client can feel more secure moving forward. 3. "Focus on your time horizon." Remind your clients that not all of their investments need to have the same risk level. Your clients are likely investing for multiple financial goals at the same time, such as a home down payment, future college expenses, or retirement. Each of these financial goals likely has a different time horizon and should be invested accordingly. Breaking your clients’ investments into goals allows you to better control their risk and build a personalized investing plan. It can also make less experienced investors feel more comfortable with the level of risk they are taking on in proportion to how soon they’ll need to access a particular bucket of money. Betterment Advisor Solutions' powerful portfolio-building tools enable you to serve your clients' needs and investing preferences. Our tooling automates rebalancing, tax-loss harvesting, deposits, and more, so you can more efficiently manage your clients' plans. 4. "Pay attention to historical context." As a new investor, your client may not have much context or know what to expect in terms of performance. It can be helpful to let clients know that many others before them have felt nervous about markets. From 1942 to 2022, the U.S. has been through 15 bear markets. On average, bear markets last for about 11.3 months, which tend to be significantly shorter than bull markets which last 4.4 years on average. Remind them that, after each of the past downturns, the stock market often recovers. You should make sure clients understand that there have been many market dips in the past, and they will likely see many more in the future. They are an inescapable part of investing and all investors, new and old, should learn to cope with volatility. Though your clients may be tempted to make major withdrawals or even halt their auto-deposits when the market dives, remind them that now is the time to stay the course. History shows us that the market, and their portfolio, can recover. 5. "Focus on what you can control." Your clients can't control the stock market. They also can't control the news, inflation, GDP growth, or unemployment rates. However, they can control how much they save, how much risk they take, how diversified they are, and how they react when markets get scary. In the long run, push your clients to focus on what they can control, and encourage them to do their best to ignore what they can't. New investors should not be discouraged by market dips. At Betterment, our passive investing model is derived from the idea that taking action solely based on market movement can be detrimental—contrary to what your clients might think. Ultimately, being thoughtful about your clients' finances and overall risk in their portfolios during market uncertainty can help them weather the storm, no matter how long the downturn lasts. When volatility hits, rest assured that we are working for your clients. Our automatic allocation adjustments, portfolio rebalancing, and tax-loss harvesting can help your clients ride out a choppy market.

How to build high-net-worth client relationships with an SBLOC Apr 22, 2025 9:00:00 AM Learn 5 benefits of offering an SBLOC for your firm, and how clients can leverage this modern borrowing tool to keep their investments working for them. Securities-Backed-Lines of Credit (SBLOCs) are offered by The Bancorp to Betterment clients. Betterment is not a bank. See more below. High-net-worth clients often face the problem of needing liquidity, but not wanting to compromise their long-term portfolios and interrupt their wealth management plans. You can provide the solution to this problem. Offering an SBLOC allows your firm to meet clients’ liquidity needs. 5 benefits of offering an SBLOC for your firm Incorporating SBLOCs into your advisory practice shows your commitment to providing innovative and client-centric financial solutions. Many prospective or current clients may not be aware of what an SBLOC is, allowing your firm to leverage its benefits to: Attract high-net-worth clients: Use the SBLOC in your marketing materials and in conversations with prospective clients. The flexibility to borrow against a portfolio without disrupting investment gains can be a strong selling point to high-net-worth clients. Deepen client trust and increase retention: As you learn about your client’s financial and life goals, you can offer the SBLOC as part of financial planning conversations. Because of its flexibility, an SBLOC is a powerful planning tool that can be used to benefit a client in many situations (more on that below). Retain investment strategies: By providing liquidity without requiring your clients to sell their investments, an SBLOC allows your firm to stick to long-term strategies. This means you can maintain asset allocation for clients, ultimately helping you preserve their portfolios. Add debt management and liquidity into your planning: With an SBLOC, you can proactively help clients incorporate debt into their financial planning. But an SBLOC also gives clients immediate access to funds when unexpected opportunities or needs arise. The ability to use an SBLOC proactively or reactively adds an extra layer of flexibility to your overall wealth management planning tools. Manage both sides of a client’s balance sheet: Offering an SBLOC enables you to address both the asset and liability sides of a client’s financial picture. While clients continue growing their investment portfolios, the SBLOC provides a structured way to manage liabilities, creating a more holistic and balanced financial strategy. Common ways clients use an SBLOC Although not for purchasing securities, clients can use an SBLOC for many purposes—it’s really based on their needs and goals. Here are several practical use cases that you can share with clients: Purchase or renovate a home Clients looking to invest in real estate might not want to disturb their investment portfolios. An SBLOC can provide the funds needed for a down payment or for home renovations, allowing clients to secure or enhance a property while keeping their portfolio intact. It can also serve as a smart bridge loan for buyers, purchasing a new home while their current one is still on the market. Pay inheritance, estate, or income taxes Large tax bills from inheritance, estate planning, or income taxes can strain liquidity. With an SBLOC, clients can cover these obligations without the need to liquidate investments at inopportune times, preserving both their tax strategy and long-term growth potential. Finance business expenses Entrepreneurs and business owners often require flexible financing to cover operational expenses, expansion initiatives, or unforeseen costs. An SBLOC offers a non-disruptive way to access capital, letting them invest in their business while maintaining their personal portfolio strategy. Pay college tuition For clients planning for higher education, an SBLOC can help cover college tuition and related expenses. This solution provides immediate funds, enabling clients to meet educational needs without having to sell investments that could be yielding returns over time. Manage medical bills Unexpected medical expenses can be financially straining. An SBLOC offers a ready source of liquidity to manage high medical bills, ensuring clients can address their healthcare needs promptly while continuing to benefit from a long-term investment portfolio. Pay for a wedding Weddings can be one of life’s most memorable—and costly—events. Instead of disrupting their investment strategy, clients can use an SBLOC to cover wedding expenses, enjoying their big day without sacrificing future financial growth. The Betterment SBLOC process Betterment Advisor Solutions, in partnership with The Bancorp, has streamlined the SBLOC process to ensure a swift and efficient experience for both advisors and clients. Automated application: Clients benefit from a simple, automated application process that can be completed quickly, ensuring access to liquidity when needed. Collateral pledge: Eligible securities held in Betterment taxable legal accounts—including individual, joint, and trust accounts—are pledged as collateral. This protects the client’s portfolio while securing the credit line. Establishing the credit line: The Bancorp assesses the portfolio’s value to determine the credit line. Typically, clients can borrow between 50% and 95%* of the value of their pledged assets, depending on the nature and stability of the investments. Accessing and repaying funds: Once established, the credit line is available for draws as needed. Clients pay only interest on the outstanding balance each month, with the flexibility to repay the principal at any time. Interest rates are variable, tied to the WSJ Prime Rate plus a margin, keeping the financing competitive. Maintaining collateral value: In the event that the value of the pledged securities falls below a required threshold, a maintenance call is issued. This may require a reallocation of the portfolio to obtain higher borrowing power, the deposit of additional funds or securities, or partial repayment of the loan, to ensure the collateral remains sufficient.

April 2025 market update: Tariff and investment insights Apr 4, 2025 1:28:49 PM Rising tariffs, market swings, and policy shifts fuel economic uncertainty—discover how diversification can help investors stay grounded. Former European Central Bank President Mario Draghi once described the challenge of decision making amidst ambiguity as: “You just do what you think is right and you temper…. In other words, in a dark room, you move with tiny steps.” For business leaders and investors, the economic landscape has appeared murky of late, and for good reason… The threat of tariffs has become a reality, not just a negotiating tactic, causing uncertainty to pervade expectations for the economy and markets. President Trump just rolled out his most expansive round of global tariffs yet, at levels worse than anticipated ahead of the April 2 announcement. Although USMCA-compliant goods—like dairy and sugar imports from Canada and Mexico—will continue to enjoy a 0% tariff under the trade agreement, non-compliant goods will be subject to higher tariffs. Other countries, including major U.S. trade partners such as China, Taiwan, Vietnam, India, and South Korea, will face significant tariff rates on exports to the U.S., all apparently over 20%. China has notably retaliated against the imposition of tariffs, levying their own 34% tariff on all imports from the US, matching the level of the White House’s reciprocal tariffs on Chinese products. Federal Reserve Chair Jerome Powell has warned that the impact of new tariffs is likely to be significantly larger than expected and could cause higher inflation as well as weaker growth. Read: Making sense of market volatility The state of economic uncertainty But uncertainty isn’t just showing up in market action—it’s in all kinds of data sets. To track uncertainty, researchers create indices that analyze both news reports and economic forecasts, using data to measure the extent of uncertainty. Two key measures—Headline Policy Uncertainty and Trade Policy Uncertainty (shown above)—reveal that economic uncertainty has climbed to its highest levels since the pandemic. Trade policy, specifically, has jumped to levels never before seen in as long as there has been available data, going back to 1960. As the economy shows signs of slowing (growth in Q4 of 2024 was +2.3% compared to +3.1% in Q3, and +3.0% in Q2), the ripple effects of uncertainty are showing up in key indicators of consumer and manufacturer sentiment. In the first quarter of 2025, the University of Michigan’s Consumer Sentiment Index for employment conditions nosedived to levels last observed during the global financial crisis of 2008. U.S. equity markets have clearly taken notice. The S&P 500 has sold off sharply, and even other risk assets such as crypto have plummeted. And, all of the Magnificent 7—the cohort of megatech stocks, including Amazon, Apple, Meta, and Google—have slid over 20% from the latest 52-week high. So, what does this mean for the market While markets have taken a shellacking so far this year, international stocks have served as some consolation. Year-to-date, international developed market stocks have outperformed their U.S. peers by over 10 percentage points. After U.S. stocks outpaced global markets in 2024, the tariff turbulence, as well as more attractive valuations and new stimulus measures from China and Germany, have flipped the script in early 2025. What does this mean for investors Diversify, diversify, diversify. While this kind of noise around trade policy isn’t normal, the market experiencing bouts of volatility is normal and something investors are required to manage over time. Although other asset classes, like international stocks and bonds, have not matched the performance of U.S. stocks in recent years, these assets can help dampen volatility in a period of heightened uncertainty. Diversification can help investors avoid being tied to any individual stock, asset type, or even a country’s performance. For example, the Betterment Core portfolio is globally diversified and has delivered 9.0% annual returns (after fees) since inception.1 Although the future might seem more unknowable right now, one thing we do know is that trying to time the market as policies change is a fool’s errand. Our investing team is here to keep you up-to-date on macro-trends and market insights, so you can make informed decisions for your clients. As of 12/31/2024, and inception date 9/7/2011. Composite annual time-weighted returns: 12.7% over 1 year, 7.9% over 5 years, and 7.8% over 10 years. Composite performance calculated based on the dollar-weighted average of actual client time-weighted returns for the Core portfolio at 90/10 allocation, net of fees, includes dividend reinvestment, and excludes the impact of cash flows. Past performance not guaranteed, investing involves risk.

What's new from Betterment Advisor Solutions Apr 4, 2025 9:35:50 AM Discover the latest products and features launched in Q1 2025, designed to enhance user experience, drive innovation, and meet the needs of financial advisors. Table of Contents Solo 401(k)s Billing Plan advisor improvements Account aggregation Advisor Exchange We’re excited to share a range of powerful platform updates, designed to help improve and streamline your client-management tasks. From a new solo 401(k) built for the self-employed to flexible billing options and improved account aggregation, check out all the latest upgrades. And, don’t miss our new video series Advisor Exchange, hosted by Tom Moore (more on that below). A better solo 401(k) is here We’re excited to share that solo 401(k)s are now available on our platform. With higher contribution limits (compared to SEP and SIMPLE IRAs) and no income restrictions, solo 401(k)s can help you maximize retirement savings for your self-employed clients. Offering solos can help you: Expand your service offering. Attract clients with self-employment income and solo business owners. Streamline wealth management. Consolidate clients’ accounts in one place, fostering more holistic planning. Strengthen client relationships. Provide diverse, tax-efficient retirement solutions and long-term planning. The Betterment solo 401(k) features: Fast, paperless account opening and e-Signature on plan agreements Digital funding for both employer and employee contributions (ACH or bank deposit) Spouse participation at no additional cost Roth and traditional tax strategies Record-keeping services provided by Betterment. –See the new solo 401(k)– Easy fee billing from Cash Reserve We’ve expanded our billing options. Now, you can assess fees directly from clients’ Cash Reserve accounts, increasing flexibility and efficiency in fee management. This can help: Improve cash flow management: You can help clients avoid liquidating investments to cover advisory fees, reducing potential tax implications. Create a seamless client experience: Ensure fee payments are handled smoothly from available Cash Reserve balances, which lets clients maintain their investment strategy without interruption. Customize billing plans: Tailor the fee structures to client preferences, and provide a more personalized approach to portfolio management. Cash Reserve offered by Betterment LLC and requires a Betterment Securities brokerage account. Betterment is not a bank. FDIC insurance provided by "Program Banks", subject to certain conditions. Learn More. * Get greater visibility into plan-level information We understand that every advisor has a unique approach to plan management. Whether you manage investments yourself or rely on Betterment’s 3(38) services, our 401(k) solution gives you the flexibility you need. With our latest unlock—the “Investment Options” tab—you’ll get access to different investment details depending on who holds the 3(38) role. 3(38) advisors: View the active fund menu for each plan, select fund details and view more information like expense ratios, fund performance, benchmark performance and prospectuses. You can download your active fund menu and aforementioned details to a .CSV file as well. Betterment 3(38) / sub-advisory role: See all available model portfolio strategies (with Core as the default QDIA investment), and select a portfolio to view its performance history, projections and holdings based on an example allocation or risk. This clear, centralized view of fund menus and portfolio options helps improve decision-making and streamline plan management. Unlock faster, actionable data with 20 new reports We know you often need to access plan data quickly ahead of client meetings. That’s why we’ve added 20 new reports—now available directly in the advisor experience on the Betterment platform. These include both participant-level details, like deferral rate history and inactive participants, and plan-level insights, such as unallocated funds and investment activity over time. With time-based metrics and a deeper view into plan performance, these reports equip you to lead more informed, impactful client conversations. –Explore our 401(k) solution– Link external accounts to joint and trust accounts We’re happy to announce this once sought-after feature is now a reality: Clients can now connect external accounts with their joint and trust accounts. Using Betterment’s advanced aggregation features, you can: Get visibility into your clients’ held-away assets so you can craft more informed investment strategies. Move money faster, now that clients have even more ways to fund their investments and manage trust distributions without the hassle of manual transfers. Tune into our brand new video series Hosted by Tom Moore, Head of Betterment Advisor Solutions, Advisor Exchange will feature financial advisors and innovators across the industry, unpacking their success stories: highs, lows, and lessons learned along the way. Because no one understands the unique challenges and opportunities of financial advising as those living it. –Tune in– And, you can always suggest a topic or nominate an advisor who has inspired you. We’ve had a jam-packed quarter, and there are even more upgrades planned for Q2. Stay tuned. If you’d like to learn more about Betterment Advisor Solutions, book a demo.