Advisor Resources

What’s new from Betterment Advisor Solutions Apr 1, 2026 6:53:00 PM Explore the latest updates designed to help you grow client relationships, streamline billing, and deliver more value at scale. Our latest updates give advisors more ways to grow client relationships at scale, from our expanded model marketplace and smarter billing to new retirement and lending solutions, while driving tax‑efficient outcomes across households. Table of contents Portfolio management Get started with new portfolios from Betterment and other leading asset managers Exit any position effortlessly Help clients earn additional income through securities lending Billing Charge for your added expertise and bill any amount at any time Apply a single tier rate to a client's total AUM Rate mortgage offer Help your clients borrow smarter New integrations Integrate with Nitrogen, Blueleaf and FinDash Retirement Request a new plan proposal within your dashboard Top content How Mach 1 accelerated its growth with a segmentation strategy Explore more options in our model marketplace Give clients more ways to invest with Betterment’s new third‑party model portfolios from industry‑leading asset managers like Goldman Sachs Asset Management, Vanguard, State Street, among others. With the expanded model marketplace, you can: Offer more choice without more operational lift by mapping client preferences to curated, expert‑built models instead of one‑off portfolios. Keep implementation consistent across households, aligning models to your firm’s views on risk, diversification, and brand exposure. Stay tax aware at scale with automated rebalancing, drift controls, and tax-loss harvesting on eligible models. Use these models with our tax-smart technology to drive better outcomes for your clients. Check out the model marketplace Exit any position with ease Now you can sell what you need, when you need it, without disrupting your client’s broader strategy. With increased manual trading capabilities, you can view a client’s holdings by goal or account and sell stocks, ETFs, or mutual funds directly on the platform—in dollars or shares. Proceeds are automatically reinvested into the target portfolio, which helps to keep goals on track while you adjust what no longer fits. Coming soon: Help your clients earn potential income with securities lending Betterment clients will soon be eligible to earn additional income on authorized stocks and ETFs they already hold through our new Fully Paid Securities Lending (FPSL) Program. Through the program, your clients lend fully paid stocks and ETFs from their Betterment account to institutional borrowers—typically for speculation, risk-management, or price discovery. Your clients will share the income generated from these loans, while maintaining economic ownership of their investments including the ability to sell their shares at any time. Learn more Bill in all the ways you need With on‑demand billing, you can charge for planning projects, tax strategy consults, and other one‑off services outside your standard fee schedule—any amount, any time— via file upload directly through your Betterment dashboard. That means a cleaner client experience, and more billing consolidated in one place. With cliff‑based tiered billing, you can build custom breakpoints, set rates, and let the platform handle the rest—automatically repricing fees as household AUM crosses each tier, with no manual intervention required. And, you can reward larger relationships with cleaner discounts or grow smaller accounts more intentionally, all while keeping billing logic centralized in Betterment. Explore billing options Help clients unlock discounted mortgage rates Betterment is partnering with Rate to offer eligible clients access to discounted mortgage pricing. Qualifying clients can get up to 0.75% off their mortgage rate* and $500 off closing costs when they purchase a new home—or have the lender fee waived on a refinance. It’s another way Betterment advisors can support their clients’ major life goals, like homeownership, while deepening planning conversations around cash flow, borrowing costs, and long‑term wealth. Explore the offer today See our new integrations in action Experience more connected workflows across your tech stack with new integrations: Nitrogen: Automatically sync your clients’ Betterment portfolio data into Nitrogen so you can align risk and investment strategy without manual uploads or tab‑hopping. Blueleaf: Keep your clients’ Betterment positions, balances, and transactions current in Blueleaf, giving you clearer reporting and a more complete view of each client’s household. FinDash: Feed your clients’ Betterment data into FinDash’s AI‑powered operating system so your team can turn planning insights into automated, proactive service at scale. View all integrations Request new plan proposals from your dashboard You can now request a new plan proposal directly from the Betterment platform, without having to fill out separate forms. Just click Request for Proposal in your account, enter the plan and client details, and submit. With the new streamlined process, you can move faster on new opportunities. Explore more How Mach 1 scaled small accounts without stretching its team See how Mach 1 Financial Group used Betterment Advisor Solutions to build a segmented service model for smaller and emerging clients, freeing up significant back‑office time while preserving a high‑touch experience for larger relationships. By moving select households onto a digital, automated investing experience powered by Betterment, Mach 1 created a scalable way to serve more clients of all sizes, improve operational efficiency, and keep growth from overwhelming its service team. Read the full case study Log in to explore what’s new, or reach out to your relationship manager if you’d like to take a closer look at any of these features. If you’d like to take a look around with someone from our team, book a demo.

How to set up the FinDash integration Mar 24, 2026 10:43:08 AM Overview FinDash is an AI-powered operating system for financial advisory teams, giving every client (and their family) a single collaborative CRM and planning dashboard for net worth, cash flow, investments, insurance, goals, estate planning, documents, and tasks. FinDash helps advisors turn planning insights into execution with workflows, automation, and secure client collaboration so teams can deliver faster, more proactive service at scale. The information sent to FinDash includes: Account information Positions Transactions Tax lots Enabling the integration You can set up this integration for your firm by taking the following steps: Log in to your advisor dashboard and navigate to Settings > Integrations. Select FinDash from the list and click Connect to FinDash. You will see confirmation that the integration has been enabled. Data will be sent to FinDash within one business day. If you have any questions about enabling or supporting the Betterment integration on the FinDash side, email hello@findash.ai.

Target Income built with BlackRock: New name, new strategy Mar 16, 2026 1:01:04 PM BlackRock is updating its Target Income strategy. Here's what's changing, what's staying the same, and how we'll manage your transition. Betterment offers a range of investment options to help investors stay in the market. As part of that commitment, Betterment partners with third-party asset managers like BlackRock to offer additional portfolio choices, including an all-bond strategy. As markets evolve, investment managers may refine or update their approaches. BlackRock is discontinuing the legacy BlackRock Target Income portfolio and is launching a new strategy in partnership with Betterment, Target Income built with BlackRock, which introduces an updated investment framework designed to build a more resilient income portfolio across market environments. Betterment is partnering with BlackRock to transition existing investors to the new strategy. Let’s discuss what’s changing and what’s remaining the same. What’s changing A new investment framework and team The previous strategy relied heavily on a quantitative approach targeting specific yields. The new strategy uses the Multi-Asset Income (MAI) framework from BlackRock’s Multi-Asset Strategies and Solutions (MASS) team, which combines data-driven analysis with fundamental research to build a more adaptable income portfolio. The goal: Build a more resilient income portfolio across market environments, with thoughtful attention to credit risk, duration, and diversification. The strategy will continue to maintain and further lean into exposures in the form of: Expanded access to different bond sectors like emerging market and high-yield debt, as well as collateralized loan obligations (CLOs) for example. Flexibility in shifting across duration and fixed-income sectors, using both active and passive funds. The new approach will also incorporate a high-yield benchmark, the iBoxx USD Liquid High Yield Index, to better reflect the level of credit risk in the portfolio—rather than relying solely on the Bloomberg U.S. Aggregate Bond Index, which tracks investment-grade bonds. What’s staying the same A focus on income Target Income built with BlackRock will remain an all-bond strategy designed to generate income. Four income levels Investors will still be able to choose from four risk levels—Core, Moderate, High, and Aggressive. Built with BlackRock The strategy continues to be constructed with BlackRock, one of the world’s largest asset managers, using ETFs to provide diversified exposure across fixed income sectors. Overall, BlackRock will continue to provide fund selection and apply its broader house and macro views to the strategy’s asset allocation decisions. However, the management of the strategy will shift to BlackRock's MASS team and MAI framework described above. How Betterment will manage the transition to Target Income built with BlackRock Betterment will manage the transition for investors. For taxable accounts, Betterment will gradually transition investors with our technology, including proactive rebalancing, designed to seek the most tax-efficient path. Tax-advantaged accounts such as Betterment IRAs and Betterment 401(k)s won’t see any tax impact as a result of these updates. To learn about the new Target Income built with the BlackRock portfolio, check out the relevant portfolio pages and disclosures on our website. Investors can also see their updated holdings in the Betterment app with only a few clicks. It’s yet another example of how we make it easy to be invested.

Middle East conflict is moving markets: What investors should know Mar 10, 2026 7:00:44 PM Nearly a year after sweeping tariffs sent global stocks into a tailspin, financial markets are again navigating a period of heightened uncertainty. Escalating geopolitical tension, including the conflict in Iran and concerns over protracted oil supply disruptions at the Strait of Hormuz, have pushed energy costs higher for businesses and households. As shown in the chart below, oil prices rose to $120 per barrel on March 9—which is double the level at the beginning of the year—before pulling back following President Trump’s comments that the war would be resolved “very soon” and that he would waive “certain oil-related sanctions to reduce prices.” Despite the pullback, the timeline for resolution remains unclear, and uncertainty around the conflict is likely to keep commodity markets volatile in the near term. The hostilities primarily impact U.S. companies and consumers through inflation. Rising oil costs push gasoline prices higher at the pump, reducing household spending on other goods and services. Firming inflation also complicates the Federal Reserve’s path forward, potentially delaying or reducing rate cuts. This, in turn, could push longer-term rates higher, raising borrowing costs for businesses and weighing on their stock valuations. Yet we’ve also seen a stronger market reaction outside the U.S. The chart below illustrates the heavier selling in stock markets such as Japan and South Korea relative to the S&P 500 since the conflict began—though both indices had jumped ahead of the American market earlier in the year. The steeper declines in Japanese and Korean equities can be attributed to: Japan and Korea’s oil import dependency on the Middle East. Both countries source the vast majority of their imports from the region, while the U.S. stands as a net exporter of oil. Their markets have a heavy weighting to energy-intensive industries such as semiconductor manufacturing and hardware production. Demand for a currency safe haven has strengthened the dollar, amplifying losses for dollar-based investors in international exposures denominated in local Asian currencies, including the yen. A knee-jerk reversal in what had become an overcrowded trade in Asian tech stocks, buoyed by AI demand. As an example of investor exposure to these markets, the Betterment Core portfolio primarily allocates to Japanese and Korean stocks via the Vanguard FTSE Developed Markets ETF (Ticker: VEA), which is 20% Japanese stocks and 7% Korean. A 90% stock 10% bond Core portfolio holds a 25.5% target weight to VEA, indicating the overall portfolio’s exposure to Japanese and Korean equities approximates 5% and 2%, respectively. How investors might think about managing their portfolios during market volatility Diversify across not just geographies but asset classes. Even as rates have recently ticked up, bonds have provided ballast to portfolios as stocks gyrate. Treasury Inflation Protected Securities have performed particularly well relative to other common portfolio allocations in the midst of this inflation scare. Where possible, make use of automated tax-loss harvesting. Dramatic swings in asset prices intraday like we saw on March 9th provide an opportunity to tax loss harvest before the market snaps back.

Advisor Spotlight: Eric Rodriguez, WealthBuilders Feb 26, 2026 12:30:00 PM For this Advisor Spotlight, we welcome Eric Rodriguez, CFP® and the Founder of WealthBuilders, LLC to chat about taking a more life-centered approach to financial planning. Advisor: Eric Rodriguez Firm: WealthBuilders, LLC Bio: Eric is a Certified Financial Planner® and the Founder of WealthBuilders, LLC, an independent, virtual RIA based out of San Diego, CA. Eric is the author of R.E.T.I.R.E. On Your Terms: 6 Steps To Build Wealth and Co-Host of The Avocado Toast Podcast. He started his career as a registered rep for a broker-dealer that was heavily focused on product sales. That firm left him with a bad impression of the financial industry, so he switched careers to strategic B2B sales where he thrived. About eight years later, Eric was introduced to real financial planning when he started working at LearnVest. He was inspired to launch his own firm, WealthBuilders LLC, in 2017. Firm Bio: WealthBuilders is an independent fee-only fiduciary wealth management firm. WealthBuilders specializes in working with progressive early to mid-career professionals and business owners who are passionate about aligning their wealth with their values. Why did you decide to become an advisor? My parents didn’t talk about money growing up. They argued about it. I wanted to change that for us. I wanted to normalize talking about money and building wealth, and I wanted to make it a positive experience. This is what inspired me to become a CFP®. What are some questions that you wish more clients would ask? How do you measure success with your clients? Why? What do you think is the biggest mistake people make with their money? Not having a customized wealth plan that aligns their key values with their money. Having a wealth plan that includes a vision for your ideal future, key values, the unexpected, and goals to achieve can have a profound impact on your financial success. What does your firm's current tech stack look like? How has technology impacted your work? I run a lean practice—having a solid tech stack is essential to running my business successfully, especially with back office responsibilities. Having a partner like Betterment helps me streamline client onboarding and ongoing investment support so I can focus on other aspects of my business. My firm's tech stack includes Betterment Advisor Solutions as my custodian; G-Suite for all business functions; Asset-Map for initial client conversations; eMoney for complicated financial plans; Riskalyze for risk tolerance; Holistiplan for tax planning; AdvicePay for retainer client fees; Calendly for prospect/client bookings; Wealthbox as my CRM; Mailchimp for client communication and newsletters; Quickbooks for accounting; Canva for marketing and one page plan creation; Loom for custom client videos; and Adobe Acrobat for contract management and editing. How have the recent trends toward remote and hybrid work impacted your relationship with clients? I work with a lot of clients in tech and most have always been hybrid. Prior to the pandemic I was meeting with my clients virtually about 70% of the time. Now it's 100% virtual. It saves us both valuable time and money. What do you think is the biggest opportunity for advisors today? Automating their portfolio management and back office and focusing more time on truly helping clients align their resources with their life goals. Evidence shows that a more life-centered approach to financial planning can help clients make better decisions and improve financial wellbeing and life satisfaction. If you won the lottery, what would you do with the money? I'd love to give my family and close friends enough money to fund some of their dreams. Give to non-profit organizations focused on closing the racial wealth gap and climate change. Take our immediate and extended family on a big annual trip and pay for everyone. Hire a full time helper like Jeffrey from the Fresh Prince of Bel Air! Invest the rest wisely. If you could only give one piece of financial advice, what would it be? Prioritize your immediate goals and take action. For example, if a down payment is at the top of your goal list, then open an investment account and aggressively start saving.

RIA guide: How to explain tax loss harvesting to clients Feb 26, 2026 12:00:00 PM Tax loss harvesting can be a confusing topic for clients to understand. This guide gives you simple talking points to help explain it to your clients. Clients having trouble grasping the concept of tax loss harvesting? From a simple one-sentence explainer to details on how Betterment’s automated Tax Loss Harvesting works, we’ve got you covered. Table of Contents: In one sentence: “What is tax loss harvesting?” Five key concepts: The building blocks of tax loss harvesting How does tax loss harvesting work? How Tax Loss Harvesting works with Betterment Advisor Solutions How to answer other tax loss harvesting FAQs Explaining complex financial topics to clients is challenging. You want them to understand but, at the same time, not overwhelm them. This guide can help you explain sophisticated tax strategies to your clients without causing extra stress for them. In one sentence: “What is tax loss harvesting?” So, your client asks: “What is tax loss harvesting?” Rather than delivering a complex answer, start with a single sentence: “Tax loss harvesting aims to lower your tax bill by selling investments at a loss to offset capital gains from other investments.” Now, stop there. Ask your client if they want you to break down the details of how it works. If they say yes, start with the five key concepts below. Five key concepts: The building blocks of tax loss harvesting When talking with clients, you can share that these concepts are the building blocks that make tax loss harvesting possible. You can walk through the table below, providing examples to clients. How does tax loss harvesting work? Now that you have explained what tax loss harvesting is in one sentence and shared the five building blocks, you can explain to your client how the process generally works in three steps. Step 1: Identity your capital losses This involves looking for investments in your portfolio that have declined since they were purchased. It’s important to note that we don’t sell any investment that is down in value. We strategically select which investments to sell to help maintain the proper portfolio allocation. Step 2: Sell at a loss and replace your investment Once investments with capital losses have been identified, they are sold to “harvest” the loss. Making sure not to break the “wash sale” rule, new investments are bought to fit into your overall investment strategy. Step 3: Use loss to offset your capital gains or income on your taxes The losses you “harvested” can offset up to $3,000 of capital gains from investments or income each year. Any remaining losses over $3,000 can be carried forward indefinitely to offset gains or income in future years. How Tax Loss Harvesting works with Betterment Advisor Solutions It’s important to let your clients know that this is the general process for implementing. Performed manually, it can be time-consuming and potentially risky if done improperly. However, leveraging modern technology, like the Betterment Advisor Solutions platform, can help you minimize risk. As a Betterment advisor, you can offer your clients Tax Loss Harvesting (aka TLH). Read the full TLH white paper. Here’s how to talk to your clients about Betterment’s TLH process As an advisor, you can use the following talking points: No extra costs: There are no extra trading costs to harvest your losses, so you don’t have to worry if extra fees reduce any potential gains. Automated dividend reinvestments: Without breaking the “wash sale” rule, available dividends are reinvested rather than held as cash, which allows you to keep your money in the market so you don’t miss out on potential gains. Automatic rebalancing: When shares are sold at a loss, the proceeds are reinvested in the asset classes that will bring your portfolio back into balance rather than simply defaulting back to the asset class they came from. No short-term capital gains tax: Some tax loss harvesting methods switch back to the primary ETF after the 30-day wash period has passed. This can create short-term capital gains tax that may dramatically reduce the benefit of harvesting losses and even leave you owing more in taxes. Our algorithm only moves back to the primary ETF when it is appropriate for your account. IRA harvest protection: Selling an ETF for a loss in your taxable account and then buying the same ETF in your IRA can cause a permanent wash sale, destroying the benefit of loss harvesting entirely. We strive to ensure that IRA deposits do not undermine a harvest. How to answer other tax loss harvesting FAQs Below are common questions about tax loss harvesting, along with talking points to help you respond to clients within the context of Betterment’s TLH. Is tax loss harvesting right for me? Tax loss harvesting might be right for you if you are in a higher tax bracket or have significant capital gains or losses in a taxable account. In both scenarios, tax loss harvesting may offset your capital gains to help reduce your tax bill. Using Betterment’s automated technology, we can help harvest losses in a way that reduces potential risks. What are the risks of tax loss harvesting? Risks can include extra trading fees, holding too much cash after selling at a loss, an unbalanced portfolio, or violating the wash sale rule. But don’t worry — our tech is designed to help avoid these risks so you can enjoy the benefits of tax loss harvesting. What are the benefits of tax loss harvesting? The primary benefit of tax loss harvesting can be reducing your tax bill. When done correctly using our automated technology, Betterment can lower the tax you would have paid on your capital gains. What if I have more than $3,000 in losses? You can carry forward any unused losses into future years. For example, if you have $5,000 in losses and use $3,000 to offset capital gains this year, you can carry forward $2,000 to offset capital gains or income in any future year. Can I wait until tax day to sell at a loss? No, unfortunately, tax loss harvesting transactions must be complete by December 31 each year. Can I use tax loss harvesting with any of my investment accounts? Tax loss harvesting can only be used in taxable accounts. In tax-advantaged accounts, like a 401(k), you can’t deduct the losses, so tax loss harvesting wouldn’t be applicable. It’s important to note that selling an asset at a loss in a taxable account can still trigger the wash-sale rule if you purchase the same or a substantially similar asset within 30 days in a tax-deferred account, such as a Roth IRA. For instance, selling an ETF at a loss in a brokerage account and then buying the identical ETF within 30 days in a Roth IRA could still disallow the loss for tax purposes. See how Betterment automates tax loss harvesting and more From our proprietary Tax Loss Harvesting process to tax-smart investing portfolios, the Betterment Advisors Solutions platform streamlines your firm’s practices while creating value for your clients.