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Who we are

Betterment is a leading, technology-driven financial services company that offers investing and retirement solutions for retail investors and investment advisors as well as workplace solutions for small and medium-sized businesses.

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4.7 rating - 65,900 reviews^§
900,000+ customers
$50+ Billion Assets under management

Recent announcements

Here’s what is going on at Betterment.

Betterment for Advisors Changes Name to Betterment Advisor Solutions, Reflecting Expanded Functionality

Sep. 12, 2024
Betterment Launches "Pursue Better" Campaign in Partnership With World-Class Athletes

Sept. 10, 2024
Betterment and Goldman Sachs Launch Industry-First Tax-Smart Bonds Portfolio

Jul. 18, 2024
Betterment's Annual Retail Survey Finds Majority of Investors Focused on Interest Rates and Elections in 2024

Jun. 26, 2024
Betterment for Advisors Announces Enhanced Partnership with XYPN

May 2, 2024
Betterment for Advisors Bolsters Platform with Three New Integration Partners

Jun. 25, 2024
Betterment to Acquire Digital Investing Accounts from Goldman Sachs

Apr. 22, 2024
Betterment for Advisors Adds Mutual Funds to Custom Portfolios

Mar. 21, 2024
Betterment at Work Launches Industry-First Small Business Student Loan 401(k) Matching Solution

Jan. 25, 2024
Betterment at Work Survey Confirms America’s Not Ready for Retirement

Dec. 6, 2023
Betterment Survey Reveals Optimism Among Retail Investors Amid Economic Uncertainty

Jun. 27, 2023
Betterment Unveils Tax-Smart Transitions Features for Advisors

Jun. 20, 2023
Betterment at Work Expands Financial Benefits Platform with 529 Savings Solution Powered By Ascensus

Jun. 15, 2023
Betterment for Advisors Unveils New Innovative Digital Client Onboarding

Apr. 25, 2023

News coverage

Check out recent coverage in the media.

Barron’s Betterment Starts Offering Mutual Funds. Here’s Why It May Win Over More Advisors.

March 21, 2024

New York Times A New Perk for Some Student Loan Borrowers: A 401(k) Match

February 2, 2024

Barron’s 10 People to Watch in Wealth Management in 2024

December 19, 2023

RIA Intel How Betterment Is Taking on Schwab and Fidelity

July 31, 2023

Contact us

Need to get in touch? Reach out to our press team at media@betterment.com.

Only media inquiries will receive a response.

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¹Kristen Carlisle, General Manager of Betterment at Work, received the Excellence in Benefits Award from Employee Benefits News on September 13, 2022 for the duration of 2022 thus far. She was considered amongst an unknown number of competitors based on a nomination provided by Betterment. No compensation was exchanged for this award. The author is not a client of Betterment. This recognition may not be representative of Betterment client experience, advisory services, or investment performance. For more information, visit https://www.benefitnews.com/list/excellence-in-benefits-award-winners-employee-benefit-news.

²Betterment LLC was named among the The Best Robo-Advisors of 2022 from Morningstar on April 13, 2022 for the duration of 2022 thusfar. It was considered amongst 16 competitors based on providers’ investment advisory fees and other costs, how they map investors to an appropriate asset mix, the quality of portfolio construction and diversification, and financial planning-related features. No compensation was exchanged for this award. The author is not a client of Betterment. This recognition may not be representative of Betterment client experience, advisory services, or investment performance. For more information, visit https://www.morningstar.com/articles/1088193/the-best-robo-advisors-of-2022.

³ Betterment LLC received the Best Overall Robo Advisor of 2022 award from the Buy Side from Wall Street Journal on July 7, 2022 for the duration of 2022 thus far. It was considered amongst 20 robo advisors based on a criteria including but not limited to, their fees, investment strategies and investor services, including financial planning, tax-loss harvesting and availability of a premium service, with information from the robo advisors' websites, augmented conversations with communications personnel, and additional third party reports featuring the robo advisors. No compensation was exchanged for this award. The author is not a client of Betterment. This recognition may not be representative of Betterment client experience, advisory services, or investment performance. For more information, visit https://www.wsj.com/buyside/personal-finance/best-robo-advisors-01657136733.

⁴ From The New York Times ©2018 The New York Times Company. All rights reserved. Used under license.

⁵ Non-paid non-client of Betterment. Views may not be representative, see more reviews at the App Store and Google Play Store. From CNBC ©2019 CNBC. All rights reserved. Used under license.

⁶ Non-paid non-client of Betterment. Views may not be representative, see more reviews at the App Store and Google Play Store. From Business Insider ©2019 Insider, Inc. All rights reserved. Used under license.

⁷ From Forbes. ©2018 Forbes. All rights reserved. Used under license.

Betterment's reported assets under management (AUM) of $50+ Billion is as of Jul. 23, 2024.

The reported customer count of 900,000+ is as of Jul. 23, 2024, and is inclusive of checking and investing clients.

^*

The annual percentage yield ("APY") on the deposit balances in Betterment Cash Reserve ("Cash Reserve") is 4.50% and represents the weighted average of the APY on deposit balances at the banks participating in Cash Reserve (the "Program Banks") and is current as of September 20, 2024. This APY is variable and subject to change daily. Deposit balances are not allocated equally among the participating Program Banks. A minimum deposit of $10 is required, but there is no minimum balance required to be maintained. The APY available to a customer may be lower if that customer designates a bank or banks as ineligible to receive deposits. APY applies only to Cash Reserve and does not apply to checking accounts held through Betterment Checking. Cash Reserve and Betterment Checking are separate offerings and are not linked accounts.

See Betterment's Form ADV Part II and Terms and Conditions for additional information, including details on the deposit allocation methodology.

^§

App store rating is as of 6.04.2024 and is based upon all ratings and reviews received by Apple App Store® since the Betterment app was launched September 10, 2010. Current rating can be found on Betterment’s App Store and is subject to change. App Store rating is calculated and generated by Apple based on the average of all total app reviews. Count of total ratings and reviews reflects the combined total of App Store rating and Google Play store ratings. No compensation was exchanged for reviews or ratings. Rating may not be representative of the Betterment client experience, advisory services, or investment performance. For more information, see more reviews at the App Store and Google Play Store.

This experience and any marketing of the experience are provided by Betterment LLC. To the extent that there is marketing related to Betterment Checking, it is provided by Betterment Financial LLC.

The articles and client support materials available are educational only and not investment or tax advice.

We want you to know a few things:

Who Provides What Service?

Investment Advice: Advisory services for traditional investments (e.g., ETFs) and digital assets are provided by Betterment LLC, an SEC-registered investment adviser. Betterment LLC also offers the Betterment Cash Reserve product. Betterment LLC does not require clients to maintain a minimum investment account balance. However, accounts below a certain balance may have certain restrictions. For more information, please see additional disclosure.

Traditional Investment Brokerage Services & Custody: Brokerage services are provided to clients of Betterment LLC by Betterment Securities, an SEC-registered broker-dealer and member of FINRA /SIPC, and Apex Clearing Corporation, a third-party SEC registered broker-dealer and member FINRA/SIPC.

Digital Asset Trading Services & Custody: Digital asset trading services and custody are provided by Gemini Trust Company, LLC. For further details regarding the custody of assets, including cash, held at Gemini Trust Company, please see your Gemini user agreement.

Betterment Checking: Betterment Checking is made available through Betterment Financial LLC. Checking accounts and the Betterment Visa Debit Card provided by and issued by nbkc bank, Member FDIC. Neither Betterment LLC nor Betterment Financial LLC, nor any of their affiliates, is a bank.

Let’s Talk About Risk:

Investing involves risk and there is the potential of losing money when you invest in securities and digital assets. Past performance does not guarantee future results and the likelihood of investment outcomes are hypothetical in nature.

Investments in securities and digital assets are: Not FDIC Insured • Not Bank Guaranteed • May Lose Value.

Furthermore, investing in digital assets is highly speculative and volatile, and only suitable for investors who are able to bear the risk of potential loss and experience sharp drawdowns. Digital assets are not legal tender and are not backed by the U.S. government. Digital assets are not subject to SIPC protections.

Before investing, consider your investment objectives and Betterment LLC's fees and expenses. Betterment LLC's internet-based advisory services are designed to assist clients in achieving discrete financial goals. They are not intended to provide comprehensive tax advice or financial planning with respect to every aspect of a client's financial situation and do not incorporate specific investments that clients hold elsewhere. For more details, see Betterment’s Form CRS, Form ADV Part II and other disclosures.

Not an offer, solicitation of an offer, or advice to buy or sell securities in jurisdictions where Betterment LLC is not registered.

Who Provides the Market Data?

Market Data by Xignite. Fund data © 2022 Morningstar. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information.

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Betterment assumes no responsibility or liability whatsoever for the content, accuracy, reliability or opinions expressed in a third-party website, to which a published article links (a “linked website”). Such linked websites are not monitored, investigated, or checked for accuracy or completeness by Betterment. It is your responsibility to evaluate the accuracy, reliability, timeliness and completeness of any information available on a linked website. All products, services, and content obtained from a linked website are provided “as is” without warranty of any kind, express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, security, or accuracy. If Betterment has a relationship or affiliation with the author or content, it will note this in additional disclosure.

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