Dana Karlson

What’s new from Betterment Advisor Solutions Jun 30, 2026 4:17:48 PM More advisor control and automation across onboarding, portfolio management, and billing with smarter allocations, migration insights, and streamlined invoicing. Get more control and automation at every step of the client experience. Now you can onboard clients with smarter initial allocations, migrate accounts with deeper portfolio insights, and enable itemized invoices at every fee assessment. Table of contents Portfolio management Smarter initial allocation Increased visibility on portfolio changes Upcoming: Fully Paid Securities Lending Program Billing New: Client invoices Onboarding Docusign on client agreements Integrations Slant Greenboard Retirement AI plan benchmarking How Defining Wealth built a retirement practice from scratch using our platform Top content How a former Dimensional VP kept his investment philosophy and now runs a lean, modern practice on Betterment Tax-smart charitable giving for your clients Launching soon: AI-powered onboarding, direct indexing & unified managed accounts Smarter initial allocation Select a portfolio strategy and Betterment will assign an appropriate starting risk level based on account type, goal, and time horizon. You can always override it, but the initial allocation work is done for you. Clients’ accounts land in a smarter starting default, and you can deliver consistency across your entire book. Increased visibility into bulk portfolio migrations Get a clear view of how portfolio changes will affect clients at scale before execution. The bulk migrations flow now surfaces expanded details on your selected migration strategy, including rebalancing status, gains allowance remaining, and the number and types of accounts impacted. Log in to explore now You can now enroll clients in our Securities Lending Program Your clients will be able to earn additional income on eligible shares they already hold through our upcoming Fully Paid Securities Lending (FPSL) Program. Through FPSL, clients can lend fully paid stocks and ETFs from their Betterment account to institutional borrowers. 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. Enrollment is open now; lending and payouts will begin once the program launches, with Betterment facilitating the process, making it easier for both clients and advisors. Learn more Automated client invoices Starting in July, you can automatically generate and deliver itemized client invoices at the time of every fee assessment, so you can focus on your clients—not your compliance checklist. Each invoice includes billing period dates, total fees assessed, fee formula, AUM basis, and itemized Betterment and advisor fees. Invoices are published in your dashboard and in your client’s documents tab with optional email notification, helping ensure consistent delivery of required billing details. Explore billing Client agreements with Docusign Docusign is now integrated into client onboarding and account opening. You can send client agreements for electronic signature, capturing the client's name, initial, email and the date signed. You can also maintain multiple versions of your client agreement, designating one as the firm default and selecting the right version for each household at onboarding. Through the new Client packages tab, you’ll have access to all of your households’ signed agreements, with the ability to review timestamps, and download individual or bulk pdfs. Each package includes client agreements plus key Betterment documents such as Form ADV, Form CRS, and the privacy policy. Explore our client agreement automation Two new integrations that help you streamline manual tasks Slant: Get a clearer view of what needs your attention. Slant combines CRM, AI note-taking, data enrichment, and project management in one platform. You can interact with client records, automate workflows, and surface next steps without manual CRM upkeep. Greenboard: Simplify compliance monitoring with the ability to access Betterment data. Greenboard pulls account information through the ByAllAccounts feed at no additional cost, helping reduce manual oversight and streamline compliance workflows. View all integrations AI-powered benchmarking With our new AI-powered benchmarking tool, you can easily contextualize how a plan's participation and contribution rates stack up against national benchmarks. The refreshed plan sponsor dashboard brings everything else into focus too, putting priority tasks, plan insights, and payroll status in one place, so sponsors and advisors can quickly see what needs attention. How Defining Wealth expanded into 401(k)s without growing headcount Jacob Gardner, co-founder of Defining Wealth—an RIA serving Millennial and Gen Z entrepreneurs in Nashville—needed a 401(k) solution for his business-owner clients but lacked retirement plan infrastructure and a team already stretched to capacity. That’s when he turned to a platform he was already familiar with. With Betterment, he launched three plans without adding headcount. The setup was straightforward. Jacob stepped into the 3(38) investment manager role, taking full discretionary authority over plan investments, while Betterment handled compliance and day-to-day operations as the 3(16) partner. That meant he could expand into retirement services without hiring a specialist, building new infrastructure, or disrupting what was already working. Learn more about our 401(k) solution One custodian, no excess overhead When Massimiliano De Santis, a former vice president at Dimensional Fund Advisors, launched his own RIA, he set out to find a partner that could keep the practice lean without compromising his investment approach. He chose Betterment Advisor Solutions as his sole custodian, a platform uniquely suited to his clientele that took on the day-to-day execution of investment management, compliance recordkeeping, reporting, and back office operations, while the investment thinking remained entirely his own. The result was a self-sustaining practice that freed him to focus on what matters most, building client relationships and driving growth. Take a look inside his practice What's next for our portfolio management suite Portfolio management is entering a new phase. For years, advisors have had to choose between automation and control, stitching together different systems to get the flexibility, tax optimization, and customization they needed. What we demoed live earlier this month represents one built-in system where high-growth firms can thrive — new advisor controls, expanded portfolio construction capabilities, and deeper tax-smart automation designed to help firms personalize more without sacrificing scalability. Here's what's live, what's launching soon, and why it adds up to something advisors don't want to miss: AI-powered onboarding, direct indexing, unified managed accounts, and new tax simulation tools. Watch a preview Why charitable giving may be your most underutilized client conversation Bring tax-smart charitable giving into client conversations with Daffy, a modern donor-advised fund platform available on Betterment that helps advisors integrate giving into broader planning strategies. In a recent webinar, Betterment sat down with Adam Nash, CEO and co-founder of Daffy, to discuss the case for DAFs in today’s tax landscape. They covered real client scenarios, including tax-efficient rebalancing, contribution bunching, and high-income year planning. The session also provided an overview of Daffy’s platform and how advisors can incorporate charitable giving into their planning conversations. Watch the webinar 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.

What breakaway advisors experience when they start up with Betterment Jun 25, 2026 9:34:42 AM A practical guide for breakaway advisors on how to launch the right way—and what to expect when you do. Going independent is one of the biggest professional decisions an advisor can make. The planning phase—after you've decided but before you've made the move—is where the foundation gets built. The platform you choose, the technology you set up, and the client transition process you design will shape your first year and beyond. For breakaway advisors facing hundreds of tech decisions with limited operational experience, the goal is to find a foundation that doesn't require you to stitch tools together—and a custodial partner invested in your success from day one. With Betterment Advisor Solutions, advisors don't just get infrastructure—they get a partner that brings dedicated service and support and built-in tax optimization to every client interaction, from the moment of onboarding through every growth phase ahead. We sat down with our Platform Solutions team to find out what it’s really like to transition to Betterment. What does the onboarding process look like when you first join Betterment Advisor Solutions, and how long does it take to get up and running? We can have a new firm set up in about 15 minutes. Once an advisor signs up, and we review their ADV and filings, the account will be activated and they can log in. Setting up an account involves a few steps: The advisor uploads their business logo, gets their agreements in place, sets up billing preferences, and starts building their firm’s custom portfolios (if desired). With a bit of planning, a firm-specific setup could happen in an hour. For advisors who have just completed registration and are racing to onboard their first clients, that speed is meaningful. You're not waiting weeks to get operational. How does Betterment support the client transition process, from account opening to ACATS transfers? The transition process is one of the things I'd highlight as a real differentiator with Betterment. Everything is digital. For many advisors, that alone is a departure from the paper-heavy processes they're used to. Account opening takes just a few minutes, and we have a paperless ACATS workflow that makes moving assets over pretty straightforward. The platform supports a wide range of ETFs, mutual funds, and stocks. Our team will help create a custom migration plan based on the portfolio strategies you plan to use for your client. What I think advisors really appreciate is what happens after the assets land. You choose a tax-aware migration strategy and set a gains allowance for each client, and the system transitions accounts accordingly. Smart tax lot selection is embedded in automated rebalancing transactions, so it avoids short-term capital gains and only triggers long-term gains up to the budget you’ve set. Before anything gets sent to the client, you get a full review. At that point, you can update settings, check the transfer details, and only then send the request over. You're always in control of what goes out, and it’s all completely digital and easy for the client to authorize with a few clicks. The same logic applies when you're updating a portfolio strategy on an existing goal. You can review and edit rebalancing settings the same way. What does day-to-day practice management look like on the platform once you're live with clients? Once you're live, day-to-day management all runs through Co-Pilot, which is essentially your command center for tracking client activity and anything that needs your attention, all in one place. The experience is fully digital and vertically-integrated, so you're not bouncing between systems. You can act on individual accounts or work in bulk with scaled tools, depending on what the day calls for. The biggest difference with Betterment is automation. When you're building a firm from scratch, often with a lean team, automation isn't just nice to have. It's what makes the economics of a new independent practice actually work. Say a client calls and wants to put $5,000 into their IRA. Instead of your team needing to log in and invest the cash by manually buying securities, the deposit is automatically invested according to the portfolio strategy and allocation you’ve selected for the client. Fee calculations, account rebalancing, the ongoing maintenance work—it's all handled. But the key is that it’s flexible. You can customize the automation, break things into manual processes when you want more control, or turn it off entirely. It's really the best of both worlds. How does automated rebalancing work, and how much time does it save advisors on portfolio maintenance? Automated rebalancing is one piece of a broader suite of tax-smart portfolio management tools that all work together behind the scenes. Betterment offers both reactive rebalancing (using deposits, withdrawals, and dividend reinvestments to minimize drift) and proactive rebalancing (based on drift triggers you can customize as needed). It even handles complex situations like concentrated stock positions or inherited portfolios. Multiply that across a full book of clients, and the time savings—plus the after-tax performance impact—are significant. For a firm without a large operations team, this is the infrastructure that lets you manage a full book of clients without proportional headcount. What does the tax-smart transition process look like from the advisor's perspective, and how do you communicate it to clients? From the advisor side, you're never doing this alone—you have a dedicated Platform Solutions manager guiding the transition, plus relationship management and customer support as backup. The tax-smart tooling itself is comprehensive, and included with the platform fee: tax-loss harvesting, asset location, smart tax lot selection, gains allowances, sell-only substitutes, and rebalancing, all working together. This isn't a bolt-on feature set—tax-efficient investing has been part of how Betterment was built from the beginning, which means advisors can deliver genuinely personalized, tax-aware advice at scale. On the client communication side, we've found that clients who receive clear, thoughtful comms ahead of a transition are rarely upset by the process. They actually appreciate it. We give advisors the resources to make that easy: onboarding videos, communication templates, and plenty of lead time to address questions before they come up. When clients see how carefully the transition has been planned, it builds trust right from the start. What level of human support is available to advisors, and how quickly can you reach someone when you need help? Going independent doesn't mean going it alone. On average, it takes about a minute to answer your call, and under one business hour to answer emails.* You have a dedicated Platform Solutions manager guiding the transition, plus relationship management and customer support as backup. How does the platform integrate with the tools advisors are already using, like their CRM, financial planning, and compliance software? Betterment is a vertically-integrated custodian. Our platform is built to fit into the workflows you already have rather than replace them. Our integrations automatically connect Betterment accounts to your existing CRM, financial planning software, and compliance tools, so client information, investment holdings, and account activity all show up in your dashboards without extra legwork. The great thing about the platform is that it has all you need to launch or transition your existing practice, with the ease and sophistication of Betterment’s technology as the foundation. What does the client-facing experience look like, and how do clients typically respond to the new experience during a transition? The client experience is honestly one of Betterment's biggest differentiators for advisors. Betterment was built as a consumer platform first, so the app and web experiences have always been at the forefront of what we do. Clients can also sign up, link their accounts, and start navigating on their own without needing to call anyone for help, which takes routine onboarding tasks off your team’s plate so they can focus on what clients are really paying for: advice. As for moving clients onto the platform, the main concerns are usually: how long will this take, and will my clients push back against the change? But we’ve found when advisors communicate clearly and confidently, clients tend to follow their lead. What does a compliant transition actually require? A compliant transition typically unfolds over 90 days—reviewing your employer agreement, forming your entity, getting registered, and building out the business infrastructure you need to operate. For a full step-by-step breakdown, see our guide. *Based on Betterment internal data October 2025 - March 2026.

Learn how switching custodians could power your practice into the future May 26, 2026 9:15:00 AM Learn how switching to Betterment Advisor Solutions could power your practice into the future. Running an independent RIA comes with big challenges—and even bigger opportunities. Betterment Advisor Solutions gives you an all-in-one custodial platform with the technology and support to streamline your business, serve more clients, and deliver a modern experience across cash, investing, and retirement. Our service and technology can simplify the switch At Betterment Advisor Solutions, we know switching custodians is a big move, so we’ve made sure that not only is the process easy, but that your experience in your first 12 months helps set you up for long-term success. We’ve designed a three-pronged approach to help you make the switch: #1 A dedicated relationship manager You're more than just a number or a customer—you're our partner. The high standard of service we hold ourselves to means that we have no minimum AUM requirement and every firm gets a dedicated single point of contact, no matter their size. Your Betterment relationship manager will guide you on how to use our tools and features throughout your first year. The relationship manager’s goal is to get you using our platform to its maximum capability for your practice and your clients. #2 Fully digital onboarding Our digital onboarding streamlines the repapering process for you and your clients. You can easily onboard individuals and households, and complete account set up paperlessly. They’ll get a single email to sign off on everything at once. #3 Tax-smart asset transitions Our tooling enables you to granularly control how assets are moved from your current custodian to Betterment Advisor Solutions in a tax-efficient manner. You can leverage our paperless workflows to move assets over in kind. Easily move your client’s funds into your preferred portfolio model while optimizing their tax impact. Our people and technology empower RIAs and their clients each day Once you’ve made the switch to Betterment Advisor Solutions, we’re dedicated to seeing your practice grow. We take pride in being the modern end-to-end custodian for the modern RIA, balancing human support with future-forward technology. As our partner, we give you the tools that help simplify and streamline your practice operations while building a successful book of business. Dedicated advisor support Regardless of your firm’s size, we provide dedicated support to answer all of your questions. Our support team members are platform experts, here to resolve any issues you may face and answer questions from the most mundane to the most technical. We’re more than just chat support. You can reach out via email or phone for any type of issue or question. Your relationship manager isn’t just for onboarding. They’re your long-term partner every step of the way. “Advisors, especially small and mid-sized RIAs most affected by Schwabitrade, shouldn't sit back and accept lower-quality service. We’re here to provide you with a better option.” —Tom Moore, Senior Director, Betterment Advisor Solutions Time-saving automation tools Our tools take care of critical-yet-time-intensive tasks so you can focus on your real value — planning, strategy, and client relations. We automate tax-optimization strategies for you including asset location and tax loss harvesting. Flexible billing gives you the freedom to use custom asset-based, fixed fee, or tiered billing plans and set the frequency your clients are charged. We collect the fees for you and pay them out automatically. Our Co-pilot dashboard aggregates urgent client needs all in one place, becoming your client command center, enabling you to streamline your high-priority work. Exceptional client experience Using our client-facing mobile app and web experience paired with our powerful advisor planning tools, your firm can provide one of the most delightful client experiences on the market. Empower your clients at home or on the go with our interactive portal, giving them convenient insights into their investments. Plus, you can sync held-away accounts so they see all of their savings and investments in one place. Better manage household accounts with a customizable account structure, using bucketing strategies to help clients work towards long-term goals. Engage with your clients on a deeper level with our portfolio analysis, retirement planning, and performance tracking tools. Build your seamless tech stack We integrate with other well-known tools giving you a better experience for you and your clients. And don’t worry, if you work with a tech provider we haven’t partnered with, your relationship manager will explore adding them to our integration options. How Betterment's custody fees work—and why it matters for your clients Schwab and other custodians may say their custody services are “free” but in the RIA space, it usually means that your client is the one paying for it. We charge a simple platform fee that allows us to improve our custody platform while providing exceptional support. This enables you to truly put your clients first and help them grow their wealth.

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 Betterment’s expanded model marketplace helps advisors scale Feb 10, 2026 9:00:00 AM Betterment’s expanded model marketplace pairs expert-built strategies with tax-smart automation to help advisors customize portfolios and scale efficiently. As advisory firms evolve from launch to scale, portfolio implementation can become a source of friction. Research, trading, rebalancing, and tax work all take time, pulling focus away from planning and client relationships. As a result, more advisors are turning to model portfolios to standardize execution and operate more efficiently—without giving up control or quality. That shift is what fuels Betterment Advisor Solutions’ continued expansion of its model marketplace. By adding more model options from industry-leading asset managers, the marketplace unlocks deeper investment solutions based on advisor and client preferences. Paired with Betterment’s native tax-smart automation, these curated models help advisors save time, compress costs, and access top-tier strategies across exposures—resulting in less busywork, greater consistency, and more freedom to deliver the outcomes you envision for every client. Where tax-smart automation enables personalization at scale Model portfolios streamline portfolio construction, but they don’t address tax complexity on their own. Rebalancing, transitions, and capital gains management still require care—especially in taxable accounts. Betterment’s tax-smart automation bridges that gap by integrating our tax tools directly into model portfolios. Advisors can take advantage of tax-loss harvesting on eligible models while keeping portfolios aligned to their target allocation, rebalance with sophisticated drift controls, simulate trades before execution, and get real-time insights into factors that could impact capital gains. The result is a more intuitive approach to tax management—one that makes it easier to personalize portfolios through model selection and risk alignment, while keeping implementation efficient and focused on outcomes—not upkeep. Power your portfolios with third-party model options We partner with top providers across the industry so you can spend less time managing investments and more time with clients. Designed to enable greater diversification and personalization, strategies from industry-leading asset managers help unlock a new level of portfolio management. Together with Betterment’s tax-smart automation, these models help you scale intelligently and bring expert-built models to every client. Learn more What this means for the future of advisory work As technology takes on more of the operational burden, the role of the advisor continues to evolve. You define strategy, risk, and outcomes, while technology handles the mechanics. Platforms that combine models with automation allow firms to grow without compromising quality, consistency, or personalization—making it easier to scale thoughtfully while staying focused on what matters most to clients. Visit our model marketplace. And don’t miss our upcoming webinar series featuring three of our top model providers. Betterment thought leaders and industry partners will share new strategies and practical ways to optimize portfolios for your firm. Save your spot here.

What’s new from Betterment Advisor Solutions Dec 19, 2025 9:00:00 AM Explore the latest updates designed to give you more control, transparency, and efficiency across your workflows. Table of contents Portfolio management NEW: Tax impact preview when you adjust rebalancing and drift settings The 2026 T3/Inside Information Software Survey Position-level trading Advisor experience Enhanced client management Retirement Improved plan reporting The state of retirement readiness in 2025 Top content Generational approaches to modern advisory services Scaling tax efficiency for every household in 2026 See the tax impact before you act Evaluate the tax impact of portfolio changes before rebalancing—now integrated into more actions than ever. In addition to showing up after a triggered rebalance, the rebalancing preview gives you a clear view of how adjusting rebalancing or drift thresholds may affect clients’ realized gains or losses, so you can act with confidence. The preview screen lets you view: Estimated short- and long-term gains Wash-sale warnings Projected trades Shape the future of advisor technology The annual T3/Inside Information Software Survey is live, and Betterment Advisor Solutions has been included in the trading, rebalancing, and tax-loss harvesting software category. This year, we’ve made tax efficiency even simpler for you and your clients—and we’d love to hear your thoughts. Share your thoughts Coming soon: Trade exact positions with ease Quickly buy or sell specific stocks, ETFs, or mutual funds right from the platform to maintain alignment with each client’s long-term strategy. Trade positions to streamline transitions, offload legacy holdings, and move clients into investments that better fit your model. It’s a fast, efficient way to keep portfolios consistent, clean, and easy to manage at scale. To come in 2026: Direct Indexing and UMAs, along with additional capabilities. We heard your feedback, and have refreshed the advisor dashboard to make client management faster, clearer, and more aligned with how you work. Take a look: Enhanced Household page: Get a consolidated view of all accounts and household performance. No more toggling or scrolling—just faster visibility across every relationship. NEW: Account Overview page: Access deeper insight with a single click. You can now view a detailed breakdown of holdings, allocation, drift, and other portfolio insights directly from your dashboard. Together, these updates make it easier to manage portfolios at the household level, helping you move quickly from insight to client action. Explore your dashboard Deliver more meaningful plan insights with improved reporting Spend less time interpreting reports and more time advising. With improved navigation, expanded data fields, and faster access to trade information, it’s easier to provide the clarity sponsors expect. These improvements can help you keep every plan stakeholder aligned, reduce back-and-forth, and provide reports that are simpler to interpret at a glance. Discover all available reports The state of retirement readiness in 2025 This year’s Retirement Readiness Report uncovers a striking contrast: Employees feel more financially stressed, yet more “retirement ready” than before—a disconnect that shapes how they show up at work. The report highlights 11 key insights about how workers save, spend, and engage with benefits. Advisors can use these findings to help plan sponsors strengthen both long-term retirement readiness and short-term financial wellness. Read the report Generational approaches to modern advisory services Our latest Advisor Survey highlights how RIAs are adapting to a rapidly changing landscape. Gen Z, Millennial, Gen X, and Baby Boomer clients all bring different expectations around communication, technology, and financial guidance. You’ll find insights on shifting workflows and the rise of tech-forward advisory models, as firms blend automation, AI, and personalized service to meet clients where they are. Check out the survey Your 2026 tax game plan: From optimization to scale In our upcoming webinar, Betterment thought leaders discuss how leading firms are systematizing tax efficiency at scale. Get practical ways to extend after-tax value across every household using Betterment’s automated portfolio management tools. Register today 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 support tax-smart giving with a modern Donor-Advised Fund (DAF) Dec 1, 2025 9:15:00 AM Betterment Advisor Solutions offers a donor-advised fund on our charitable giving platform, perfect for high-net-worth clients. There’s a smarter way to give to the causes that matter most to you. Betterment Advisor Solutions partners with Daffy, a modern donor-advised fund provider, which allows your clients to make a donation—and an impact—with ease. With Daffy, clients can access a cost-effective, subscription-based DAF, where they can set annual giving goals and distribute donations to 1.5 million charities, schools, and faith-based organizations—all in one place. Why donor-advised funds can be ideal for high-net-worth clients With a donor-advised fund, your clients can contribute appreciated assets—like stocks—to a charitable account and may be eligible for tax benefits in the year they contribute. Contributing to a donor-advised fund can simplify the donation process and give your clients the flexibility to decide when and where to distribute funds to various charities over time. It can also help donors avoid paying capital gains taxes on eligible donated assets. Top benefits of a donor-advised fund with Betterment Advisor Solutions Cost advantages: Your clients will pay a flat fee starting at $3/month for self-directed donations, instead of the AUM-based fees incumbents charge that can add up over time. And clients who want to collaborate with their financial advisor can add you to help manage their donations. Compare that to donor-advised funds managed by traditional advisors, where Fidelity costs at least $100 per year and Vanguard costs a minimum of $250 per year, as of November 2025. Delightful client experience: Clients seeking to maximize the tax benefits of a DAF can manage one-time or recurring donations, set up automatic contributions, and view their donation history—all in one place. They can also give you access to manage everything on their behalf for added convenience. No processing fees: Unlike other providers, Betterment doesn’t charge processing fees for transfers to the donor-advised fund—or for charitable donations. This means 100% of what your clients give goes directly to the charities they care about. Betterment receives referral fees from Daffy. See more in our charitable giving disclosure here. How to get started with our donor-advised fund provider Getting started is easy! Clients can navigate to the Transfers tab on their Betterment dashboard. From there, they will scroll down to “Other ways to transfer” and select “Donate to charity.” They’ll receive information on the perks of donating, and at that point, they can choose to donate through Daffy. Here’s how: Make a donation to Daffy. Clients become eligible for a tax deduction when they contribute to their DAF. Their funds will be held at Daffy if they have not yet set up their account. Create a Daffy account. Clients should use this referral link to set up a Daffy account, which is required to manage their donations. Daffy allows your clients to grow their charitable funds tax-free while they decide which causes to support—all for a flat fee, starting at $3/month. Select charities. After creating an account, clients can log into Daffy to make donations to more than a million nonprofits. Managing your clients’ donor-advised fund Your clients also have the ability to add you to their Daffy fund. This will allow you to make charitable donations on their behalf, request a change in the fund’s investment portfolio, access tax receipts, and recommend donations for them—all through Daffy’s advisor portal. Learn more about advisor capabilities on Daffy. Ready to help your clients maximize their charitable impact? Download our user-friendly one-pager to learn more and share with your clients to help support their philanthropic goals. And, check out this blog post to help your clients understand the specific tax benefits of donating shares to a donor-advised fund.

What’s new from Betterment Advisor Solutions Oct 2, 2025 9:00:00 AM Discover the latest products and features launched in Q3 2025, designed to give advisors more control, flexibility, and transparency. Table of Contents Rebalancing Billing Integrations Advisor experience Retirement Explore our newest updates, featuring enhanced portfolio management, smarter billing, and a smoother experience. This upgrade is designed to help you gain more control and transparency for delivering efficient, tax-smart outcomes to your clients. Preview the tax impact before you rebalance No surprises. No blind spots. Just a clear view into the expected tax impact–down to the position level and how it factors into each client’s capital gains allowance. Now you can see what happens when you trigger an immediate portfolio rebalance. And soon, you’ll be able to preview the tax impact when you: Turn on/off rebalancing or change the drift threshold Initiate a portfolio migration The preview screen also provides insights into wash sale warnings, short- and long-term gains and losses, post-trade weights, and more. We're making it easier to evaluate tax implications and make more informed decisions aligned with your clients’ goals. Take an interactive tour Streamline fees with cash-first billing Now when you choose cash-first billing, you can opt into a strategic fee structure that draws funds from Cash Reserve, then taxable investing accounts, and lastly, retirement accounts to better preserve tax-advantaged dollars. With cash-first billing, you can: Improve cash flow management: Avoid liquidating investments to cover advisory fees, reducing potential tax implications. Create a seamless client experience: Ensure fee payments are handled smoothly from Cash Reserve balances, so clients can stay fully invested without interruption. Tailor your approach: Choose a fee structure that suits your needs, and lets you 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. Adjust fees with flexible sharing Now you can fully cover (or share) Betterment fees out of the overall fee you charge clients, giving you greater flexibility in how platform costs are managed. This option lets you absorb, share, or pass along fees based on your business model, creating a more transparent experience that aligns with your practice. Learn more Streamline reporting with the Capitect integration Now you can view Betterment accounts alongside other custodians in Capitect, a robust reporting and billing platform. Our latest integration lets you access client data and run performance reports—all in one place—so you can manage more with less effort. Learn more Access robust transaction reporting faster With our refreshed Client Activity Page, you can see recent transactions, trade-level details, and allocation changes all in one place. With easier access to client data, you can respond to clients quicker, with clearer information. Gain more flexibility in account setup You now have greater control over how you plan and organize client accounts. Instead of being required to assign a goal, you can set up accounts with or without them—giving you the flexibility to structure accounts that align with your workflow. Make solo 401(k)s simpler and more rewarding Your self-employed clients may now be eligible for up to $1,500 in tax credits—$500 per year for three years—when they open a solo 401(k) with auto-enrollment. As part of our fully digital solo 401(k) solution, auto-enrollment helps further maximize client savings by streamlining contribution setup and eliminating manual steps. Accounts default to a 3% contribution rate to ensure eligibility, with the flexibility to adjust and integrate seamlessly with our tax-smart tools to maximize efficiency. You and your clients can also choose the funding approach that works best for you, lowering barriers to entry so clients can start saving sooner and stay on track. And with upcoming Roth enhancements, including mega backdoor Roth conversions, your clients will have even more ways to boost retirement savings. Learn more Unlock greater plan onboarding oversight Plan advisors can now view detailed onboarding progress with estimated launch dates and key details for every plan: Onboarding tasks: Review what’s in progress, not ready, or complete, so you always know where each plan stands. Launch milestones: Stay on top of key dates like document signing, employee setup, and payroll approval to ensure a smooth plan launch. Plan details: Quickly access plan type, payroll provider, and your Betterment onboarding contact to manage every plan with confidence. If you missed the last update, see all the new features in Q2 of 2025. And, if you’re ready to talk to someone on our team, book a demo today.