Personalized guidance for you

Retiring, buying a home, having a child—these are exciting life moments that come with so many financial questions. Our tools and experts are here to help guide you along the way.

Investing for your goals

Get personalized advice based on your needs.

We start with your goal—the reason you're investing. Then, we make various recommendations: risk level, amount to invest, and type of account.

This type of personalized strategy is called "goal-based investing," and research shows it improves outcomes by encouraging optimal behavior and more precise wealth management.

We're here for the moments you hope for—and for the ones you might not expect.

If you're planning for retirement...

We'll advise you on how much to save, what types of accounts to invest in, and an optimal risk level based on when you want to retire.

If you're planning to buy a home...

We'll create a slightly more conservative portfolio, given that this is a short- to medium-term goal.

If you have a baby...

We're here to help you invest for your child's future.

If you switch jobs...

We're here to help you roll over old 401(k)s and IRAs to help you make the most of your money.

If you receive an inheritance...

Our experts can advise on how to invest it.

If the market goes down...

We're prepared, because our advice model factors in market downturns. We've also put guardrails in place to help prevent you from making decisions in the heat of the moment.

If you're not sure what to save for...

We have a goal for that. Often you don't have a specific reason to save but still want to grow your wealth over time. Allowing for flexibility, we'll provide allocation guidance according to the number of years you want to stay invested.

Your money in one place

Get advice on your outside investments.

You can sync your outside accounts, such as other investments and bank accounts, to see if you're losing money to high fees and uninvested cash.

Best of both worlds

Lean on licensed experts and round-the-clock technology.

Our technology helps you get better returns, and our licensed financial experts are here if you need them--anytime, anywhere.

Start your investment plan

I am

years old and

  • Not Retired
  • Retired

.

My annual income is

.

Start your investment plan

Your satisfaction is guaranteed. It's our commitment to you. Learn more.

Get a free, 5-minute investment review.

See what you're doing well and where you can improve your investing approach.

Member of Securities Investor Protection Corporation

Betterment Securities is a member of SIPC. Securities in your account protected up to $500,000. For details, please see www.sipc.org.

Looking out for investors' accounts is a legal duty.

Regulated by the SEC and a member of FINRA, our Broker-Dealer, Betterment Securities, follows a strict set of rules, designed to protect our investors' accounts.