Financial Advisors

What's new from Betterment Advisor Solutions 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.

What’s new from Betterment Advisor Solutions Discover the latest products and features launched in Q2 2025, designed to give advisors more control, flexibility, and transparency. Table of Contents Portfolio management Billing SBLOCs Advisor experience New Advisor Exchange episode We’re continuously building out new tools and enhancements to help you work smarter not harder. In Q2, we introduced a wave of powerful updates—including a major acquisition and new portfolio management features designed to give you greater control and customization with less manual effort. Expanded support for legacy and concentrated positions Build custom models with ETFs, mutual funds, and now single stocks. Our latest update gives you more control without adding complexity and helps you: Bring legacy and held-away assets into a long-term strategy—powered by TLH, rebalancing, and smart withdrawals that minimize the tax impact. Use sell-only substitutes with ETFs, mutual funds, and single stocks to unwind concentrated positions gradually. You can leverage sell-only substitutes when incorporating your clients' legacy positions into your target model's asset allocation, without buying additional shares during rebalancing. Here’s what’s changed: More control over rebalancing: This functionality allows you to add additional tickers to your security groups for greater control over rebalancing behavior in your custom model portfolios. Tax-efficient exposure: Betterment will help reduce exposure over time according to your instructions with our tax-efficient algorithms. Read more about sell-only substitutes. The future of portfolio management Our recent acquisition of Rowboat Advisors, a portfolio optimization software, paves the way for direct indexing capabilities on the platform. Over the coming months, we’ll be introducing new features that deliver more customization, intelligent automation, and enhanced flexibility to support your firm’s unique needs. Be on the lookout for: Tools for more transparent trading: Run sophisticated simulations and use critical data to better understand trade impacts and make more informed decisions. Expanded portfolio options: Create and edit portfolios with a wider range of options that work seamlessly with rebalancing, tax-loss harvesting, tax-smart portfolio transitions, asset location and intelligent withdrawals. Watch our latest webinar to learn more about what’s to come in 2026, including UMAs and direct indexing. Reduced ACH payment timelines Big news: We’ve shortened our payment processing time from 12 days down to just 5 business days. You’ll get paid sooner, with more transparency. With billing and fee tracking fully integrated into the platform, it’s easy to see exactly what you’re owed each cycle—no spreadsheets, no guesswork. The result: a cleaner more efficient, billing experience that helps you stay compliant, minimize error, and save time. Upgraded mutual fund transactions Give your clients the clarity and confidence they expect when moving assets, with updates that: Eliminate withdrawal discrepancies due to fluctuating Net Asset Value (NAV). Improve fee-assessment precision, reducing the risk of over/undercharges and aligning with regulatory expectations. Simplify tax reporting for clients by ensuring the amount withdrawn matches the amount received. A faster lending solution Securities Backed Lines of Credit (SBLOCs) with Betterment Advisor Solutions give your clients access to the value of their Betterment assets as lines of credit without liquidating investments. Fast and flexible for your clients: It’s a simple, automated application process, giving your clients immediate access to their credit line after approval. Streamlined for your firm: Leverage an integrated borrowing solution that complements your investment management practice. Register for our webinar to learn more and explore how SBLOCs can become a valuable tool for serving high net-worth clients. Save your seat Securities-Backed Lines of Credit (SBLOCs) are offered by The Bancorp Bank, N.A., Member FDIC, to Betterment clients. Betterment is not a bank. See more in disclosures. Guided client tours for winning new plans Win prospects and onboard with confidence with our new Clients Tours tab. This highly requested update enables you to give plan sponsor clients a guided demo around our platform. Access client tours in the left rail of your advisor dashboard. Planning strategies for the equity-rich and cash-constrained Client. Views may not be representative. See reviews at G2. In our latest episode of The Advisor Exchange, Natalie Taylor, CFP®, founder of the Goodland Group, discusses how she maximizes planning for an underserved segment: mid-career tech professionals with complex equity compensation packages. From navigating RSUs and AMT to rethinking the AUM model and scaling with values-based planning, Natalie shares the strategies, tech, and mindset that have shaped her fast-growing firm. Watch now. It’s been a busy year—see what we launched in Q1, or get in touch with our team to learn more. Book a demo.