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Betterment

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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.

Featured Articles

Spark Joy With These 5 Popular Tax Credits

What if I told you that you can actually reduce your tax liability to zero—or even below zero?

Video: How Can Tax Loss Harvesting Help?

We explain exactly how tax loss harvesting works, and why it can be a powerful tool during times of market volatility.

If You Live In Pennsylvania, These Tax Rules Might Help You Save On Taxes

If you're a Pennsylvanian, it’s important to be aware of certain tax rules so that you can save more of your hard-earned money.

Recent Articles

If You Live In New Jersey, These Tax Rules Might Help You Save On Taxes

If you're a New Jerseyan, it’s important to be aware of certain tax rules so that you can save more of your hard-earned money.

If You Live In New York, These Tax Rules Might Help You Save On Taxes

If you're a New Yorker, it’s important to be aware of certain tax rules so that you can save more of your hard-earned money.

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

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.

How We Estimate the Added Value of Using Betterment

How we estimate the added value you gain by following Betterment’s investing recommendations for retirement using our optional tax-smart strategies.

The Benefits of Tax Loss Harvesting+

We’ve automated tax loss harvesting which can help you save on taxes over time. Learn about the benefits of TLH+.

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.

These Popular Tax Deductions Could Reduce Your Taxes

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.

See details and disclosure for Betterment's articles and FAQs.