IRA Rollover Offer for new HSA Users

This offer is only available for new rollovers into Betterment Roth or Traditional IRA accounts from external IRA accounts held at another investment firm outside of Betterment (any such rollover, an "Eligible Rollover"). Note that rollovers may take up to 4 weeks or more to complete. Taxable investing accounts, SEP IRAs, and IRAs managed with a third-party Advisor through the Betterment Advisor Solutions platform are not eligible accounts for this offer. 

A rollover is “complete” once the transferred funds are actually invested at Betterment, regardless of when you begin the process, when electronic transfers are completed, and when physical checks are received. Betterment will, beginning on the date that your Eligible Rollover is complete, waive the investment management fees, up to $250,000, that would otherwise apply to the amount of the Eligible Rollover (calculated as of the date the eligible rollover is complete), for 365 days (the “Rollover Waiver”). This Rollover Waiver will only apply to the specific IRA account into which the Eligible Rollover occurred (the "Destination Account"). To the extent that the balance of the Destination Account exceeds the amount of the Eligible Rollover, whether because of market changes or otherwise, Betterment will charge management fees on the excess balance. For example, if you roll over $255,000, only $250,000 will be managed free. To the extent that the balance of the Destination Account drops below the amount of the Eligible Rollover, whether because of market changes or otherwise, the fee waiver will only apply to the amount rolled over that is actually in the Destination Account. Accounts at Betterment other than the Destination Account will not receive a fee waiver as a result of this promotion.

To the extent that you have qualified for some period of “free time” (i.e., a waiver of Betterment's management fees) across any of your Betterment accounts through another offer or promotion, that period of free time will run concurrently with fee waivers earned through this promotion. This offer is non-transferable, applies only to the individual receiving this offer, and can be revoked by Betterment at any time. 

This promotion is not a recommendation of any investment or investment strategy and is not a recommendation that a customer rollover or transfer assets into a Betterment investing account. By participating, you represent that neither Betterment nor any Betterment affiliate has made a recommendation that you invest in or open a Betterment investing account, or rollover or transfer assets to Betterment. Factors you should consider before rolling over include, but are not limited to, available investment and rollover options, fees and expenses, services offered by each provider, withdrawal penalties, protections from creditors and legal judgments, required minimum distributions, and treatment of employer stock.

This offer is available to U.S. residents only. This offer is only available to accounts on the Betterment retail platform, and does not apply to accounts opened or held through the Betterment Advisor Solutions or Betterment at Work platforms. This offer applies only to assets subject to Betterment's management fee and does not apply to cash held in any Betterment account. Betterment reserves the right to limit fee waivers you are eligible to receive, and to refuse or recover any fee waivers if Betterment determines that they were obtained under wrongful or fraudulent circumstances, that inaccurate or incomplete information was provided in opening the account, or that any terms of the Betterment Client Agreements have been violated. Fee waivers apply only to management fees charged by Betterment for investment advisory services and do not include any fees and expenses charged to shareholders by the funds held in your Betterment account, or to expenses associated with cash held in any Betterment account. Please see additional information at www.betterment.com.