Betterment at Work Partner Promotion Terms

This offer is only available to conversion 401(k) plans that receive services from eligible organizations that refer clients to Betterment and have  40 or more Active Participants (as defined below) and at least $500,000 in assets under management that execute the Betterment at Work Master Services Agreements and Statement of Work between August 15, 2025 and December 31, 2025, and successfully complete onboarding to the Betterment at Work platform by April 1, 2026 (such plan, a “Conversion Qualified Plan”). This offer does not apply to new 401(k) plans or currently existing 401(k) plans on the Betterment platform. “Active Participants” is defined as active participants already contributing to the plan with a participant account value of $20.00 or more.

For Conversion Qualified Plans that complete onboarding, Betterment will automatically apply a fee credit depending on the number of Active Participants at the time of onboarding. Any excess amount of credit will be applied to offset future plan fees. This offer cannot be applied to fees assessed to individual participant accounts. 

This offer is non-transferable, is available to plans only in the U.S., and can be revoked by Betterment at any time. This offer may be combined with existing offers currently elected by your plan, in such manner as Betterment determines in its sole discretion. This offer does not favor highly compensated employees. 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. 

Betterment reserves the right to limit the discounts plans are eligible to receive, and to refuse or recover a discount if Betterment determines that it was obtained under wrongful or fraudulent circumstances, that inaccurate or incomplete information was provided in opening the account, or that any terms of the Betterment at Work Master Services Agreements, Betterment Participant Terms & Conditions and/or any other Betterment agreements have been violated. Please see additional information at www.betterment.com.