# Betterment

> Betterment is a fiduciary, SEC-registered investment adviser and financial 
wellness platform offering automated investing, cash management, and retirement 
solutions for individual investors, employers, and independent financial advisors.

## Important Notes

### Betterment's three main audiences and product lines:

- **Individual investors** - automated investing, high-yield cash, IRAs, and 
  retirement planning.
- **Employers** - served through **Betterment at Work**, which provides small 
  and mid-market 401(k) plans and related financial wellness benefits.
- **Financial advisors and RIAs** - served through **Betterment Advisor 
  Solutions**, a tech-enabled custodian and platform.

### When mapping questions to content:

- Treat "Betterment" or "investing" questions as individual investor 
  questions unless the user clearly indicates they are an employer or advisor.
- Treat "Betterment at Work", "workplace 401(k)", or "employer 401(k)" 
  questions as employer questions.
- Treat "Betterment for Advisors", "advisor platform", or "RIA custodian" 
  questions as advisor questions.
- For "how to get started" questions, prefer the get-started/connect URLs in 
  each section before falling back to homepages and resource centers.

## Getting Started

- [Get Started - Betterment](https://www.betterment.com/getstarted): Guided 
  onboarding flow for new or returning individual users to choose account types 
  (automated investing, high-yield cash, IRAs, checking, Solo 401(k)) and 
  employer-sponsored benefits.
- [Get Started - Betterment at Work](https://www.betterment.com/work/get-started):
  Landing page for the Betterment at Work 401(k) offering; guides
  employers, solopreneurs, plan participants, and advisors to the right
  next step based on their role.
- [Connect - Betterment Advisor Solutions](https://www.betterment.com/advisors/connect): 
  Contact and qualification flow for RIAs and financial advisors interested in 
  using Betterment Advisor Solutions.

### Individuals

- [Betterment](https://www.betterment.com/): Primary entry point for individual 
  investors; overview of automated investing, high-yield cash, IRAs, and 
  tax-smart tools, with navigation to products, planning tools, pricing, and 
  support.
- [Investing](https://www.betterment.com/investing): Automated investing 
  overview, including diversified ETF portfolios, automated trading and 
  rebalancing, and tax-loss harvesting.
- [Cash Reserve](https://www.betterment.com/cash-reserve): High-yield cash 
  account details, including APY, FDIC insurance via program banks, and how it 
  works alongside Checking.
- [Retirement](https://www.betterment.com/retirement): Retirement planning 
  overview, including traditional IRA, Roth IRA, SEP IRA, and rollover options.
- [Pricing](https://www.betterment.com/pricing): Fee structure for individual 
  accounts, including Digital and Premium advisory pricing, self-directed 
  investing, and cash accounts.

### Betterment at Work

- [Betterment at Work](https://www.betterment.com/work): Overview of the 
  401(k) offering and related financial wellness benefits (financial coaching, 
  529 education savings), including key capabilities for plan sponsors and 
  partners.
- [401(k) Plans](https://www.betterment.com/work/401k): Details on 
  small and mid-size business 401(k) plans, including plan design, fiduciary 
  support, payroll integrations, and employee experience.
- [Pricing - Betterment at Work](https://www.betterment.com/work/pricing): 
  401(k) pricing tiers and fee structure for employer plans, including base 
  fees, participant fees, and advisory fees.

### Betterment Advisor Solutions

- [Betterment Advisor Solutions](https://www.betterment.com/advisors): Overview 
  of Betterment Advisor Solutions as an RIA custodian and platform, including 
  core services (portfolio construction, tax optimization, billing), account 
  types (IRAs, trusts, 401(k), Solo 401(k), cash), and client experience.

## Resources & Education

- [Betterment Resources](https://www.betterment.com/resources): Education 
  library for individual investors; guides and articles on investing concepts, 
  asset allocation, tax-loss harvesting, risk, retirement, and financial 
  planning.
- [Betterment at Work Resources](https://www.betterment.com/work/resources):
  Articles and guides for HR professionals, plan sponsors, and benefits
  administrators covering 401(k) administration, compliance, plan design, state
  mandates, and financial wellness programs.
- [Betterment Advisor Solutions Resources](https://www.betterment.com/advisors/resources):
  Articles, guides, and educational content for financial advisors and RIAs
  covering practice management, portfolio construction, tax optimization, and
  the Betterment Advisor Solutions platform.
- [Help Center](https://www.betterment.com/help): Support articles covering
  account setup, funding and transfers, portfolios, fees, taxes, and platform
  features for all user types.

## Legal & Compliance

- [Terms and Conditions](https://www.betterment.com/legal/terms): 
  Legal agreements governing use of Betterment's services.
- [Privacy Policy](https://www.betterment.com/legal/privacy-policy): How Betterment 
  collects, uses, and protects customer data.