Supplementary Services (Advice Packages) Disclosure

Updated April 12, 2024

Betterment clients may receive non-discretionary investment advisory services (“Supplementary Services”) through a fixed-fee package of financial planning advice (“Advice Package”). 

Advice Packages must be paid in advance by credit card, are not asset-based, and are not deducted from your brokerage account at Betterment. All available Advice Packages and prices are listed on the Betterment website, at In addition, Betterment may, in its sole discretion, offer any client (including participants in the Betterment Digital plan) non-discretionary Supplementary Services free of charge. You acknowledge and agree that receipt of Advice Packages is subject to additional terms and conditions as set forth on the Betterment website. 

Any financial planning advice provided by Betterment shall be based on information provided by you to the financial consultant and the financial consultant will not be required to independently verify any such information. Betterment shall rely on such information and cannot be held responsible for any recommendations based on inaccurate or incomplete information. You acknowledge that if you provide false, inaccurate, or incomplete information to Betterment, the financial planning advice that Betterment provides through the financial consultant may not match your needs. Information provided by you to Betterment’s financial consultants will not typically be considered in the future provision of Betterment’s discretionary advisory services unless you also enter such information into Betterment’s online interface. In addition, certain financial topics, such as investments in real estate, may fall outside the scope of the Supplementary Services. 

You acknowledge that the financial consultant who provides Supplementary Services is not an attorney or accountant, and no advice given to you through Supplementary Services should be interpreted as legal, accounting, or tax advice. Any tax information provided by Betterment is not a substitute for the advice of a qualified tax advisor. You should consult with your tax advisor to discuss tax-related concerns. 

You further accept full responsibility for all investment decisions you make. Investing involves risk. You understand and agree that Betterment offers no guarantees of investment performance based on predictions, tools or other advice provided either in the online interface or via Supplementary Services.