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Tax Optimization

Being tax-smart is about paying all the taxes you owe but planning effectively to make sure your tax liability isn't higher than it needs to be. Learn to make tax-smart decisions to take home more of the money you might earn.

Convert or Recharacterize—What’s the Difference For Your IRA?

Convert or Recharacterize—What’s the Difference For Your IRA?

If conversions and recharacterizations are foreign to you, don’t worry. We’re here to help you decipher IRS jargon and learn the differences between the two.

5 Hacks to Get More from Your IRA

5 Hacks to Get More from Your IRA

You already know that contributing to an IRA is a smart move for building retirement savings. Take it a step further by using these five hacks to make the most of your money.

The Benefits of Tax Loss Harvesting+

The Benefits of Tax Loss Harvesting+

We’ve automated tax loss harvesting which can help you save on taxes over time.

Recent Articles

How We Use Your Dividends To Keep Your Tax Bill Low

Every penny that comes into your account is used to rebalance dynamically—and in a tax-savvy way.

The Benefits of Tax Coordination

We’ve automated asset location which can help you save on taxes over time.

Tax Deductions: Reading Between the Lines

Tax deductions can lower the amount of income that you end up paying taxes on. We’ll highlight popular above-the-line deductions and below-the-line deductions you may want to consider.

What is Tax Coordination? How Asset Location Works at Betterment

What is Betterment's approach to asset location? It's called Tax Coordination, and it's a built-in tax optimization strategy for retirement goals at Betterment.

5 Common Roth Conversion Mistakes

Converting your Traditional IRA to a Roth IRA can be a useful strategy for many investors. However, mistakes along the way can cost you—we’ll help you avoid them.

Put Your Tax Refund To Work—We’ll Show You How

You finally got your tax refund. Now what? We’ll show you how to put it to use so that you can get the most of your money.

Roth IRA Rules: Smart Ways to Minimize Taxes on a Conversion

Roth IRA rules can appear limiting on first glance—but you may be able to fund a Roth by rolling over funds from another account.

Reducing Taxes on Interest: Try Replacing Your Savings Account with Smart Saver

Learn how you can help minimize taxes on earnings by focusing on state and local tax advantages with savings account alternatives.

Understanding Tax Loss Harvesting+

Learn more about tax loss harvesting, which is the practice of selling an asset at a loss in order to use the loss to offset gains or lower your taxable income.

Understanding Tax Coordination

Learn more about asset location, which can increase your retirement savings by investing more efficiently within each of your retirement accounts.

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