Premium 2025 Six-Month Free Upgrade Terms and Conditions

For eligible clients who elect to receive a Premium plan (or are legacy Premium plan clients) and meet the Account Balance Threshold (each as described in the Premium Services Terms and Conditions), Betterment will temporarily waive a portion of the current 0.65% Premium Wrap fee as follows:

1. If you are new to Premium (i.e., you have been participating in Betterment’s Digital plan), you will receive a 180-day waiver of the incremental 0.40% portion of the current Premium Wrap Fee. You will continue paying your 0.25% Digital Wrap Fee for the 180-day period; and
2. If you elect to upgrade your legacy Premium plan, you will continue to pay your existing historical fee for your first 180 days after upgrading, instead of the current Premium Wrap fee;

(either of (1) or (2), the “Temporary Fee Reduction”).

This offer is non-transferable, only intended for the client who received this offer, and only valid for clients who elect to receive a Premium plan on or before April 30, 2025 (the offer expiration date).

The Temporary Fee Reduction will apply automatically, within seven (7) business days, after your election or upgrade to Premium (or after the CFP© team confirms your upgrade, as applicable). After your 180-day trial period, your account will automatically be charged the Premium Wrap Fee, consisting of the 0.25% Digital Wrap Fee set forth in the Betterment LLC Advisory Agreement Wrap Fee Schedule and an incremental fee of 0.40% on all assets in your Account (together, annually 0.65% on investing assets in the Account).

This offer can be revoked by Betterment at any time. This offer is available to U.S. residents only. This offer is only available to accounts on the Betterment platform, and does not apply to accounts opened or held through the Betterment for Advisors 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 Account 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.