Betterment Value Disclosures

66% of customers using our tax-loss harvesting features had their taxable advisory fee covered by likely tax savings.

Based on actual advisory fees paid from 2022-2025 on taxable accounts while TLH was enabled for Betterment individual retail clients who had TLH enabled for at least one year during that period. Tax savings are calculated based on clients’ self-reported income, tax filing status, and dependents; assume the standard deduction; and do not consider transactions at other brokerages. Rather than calculating year-by-year tax outcomes, tax savings estimates apply 2025 tax rates to total harvested losses over the period, using clients’ assumed long-term capital gains tax rate for long-term losses and ordinary income tax rate for short-term losses. Estimates assume clients were able to fully use harvested losses to offset taxable gains. Tax savings are not a measure of investment performance, vary by year, and are not guaranteed.

Betterment does not provide tax advice. TLH is not suitable for all investors. Please see Betterment’s TLH White Paper and TLH Disclosure for more information.