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If you've been referred by a friend, we’ll manage $5,000 of your investments free for a year. All you have to do is sign up today and deposit.

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Terms and Conditions

The offer of a waiver of Betterment LLC's advisory fees is valid only for new accounts with Betterment LLC. It does not apply to any fees charged by other entities, including Betterment LLC's affiliates, on cash in Betterment Everyday Cash Reserve or Betterment Everyday Checking. For the avoidance of doubt, the fee waiver does not apply to any fees charged in connection with Advice Packages offered by Betterment LLC. The offer also does not apply to any fees charged on employer-sponsored retirement accounts provided through Betterment for Business, to accounts advised through the Betterment for Advisors platform, and to any fees charged by an advisor you are matched with through the Betterment Advisor Network. The waiver does not apply to any fees or expenses charged to shareholders by the securities held in your Betterment LLC account. To qualify, you must open a new Betterment LLC account using the special designated link from your invitation. If you qualify, Betterment LLC will waive its investment management fees that would otherwise apply to up to $5,000 of your investment account balance for 365 days, with such period of time to be determined by Betterment LLC. This fee waiver will only apply to investment accounts in the first legal account that you fund after using the special designated link. This fee waiver will run concurrently with any other fee waivers you subsequently receive from Betterment, whether through the Refer a Friend program or from any other offers. The referring friend who sent you this invitation is a Betterment LLC client and has done so through the Refer a Friend program jointly offered by Betterment LLC and Betterment Financial LLC (collectively, for the purposes of these Terms and Conditions, "Betterment"). If you, using the specially designated link in your invitation, open and fund within 45 days of opening, either (1) a Betterment LLC account, or (2) a checking account ("Checking Account") provided by nbkc bank through Betterment Financial LLC, Betterment LLC will waive its investment management fees that would otherwise apply to up to $5,000 of your referring friend's investment account balance for a period of 365 days, with such period determined by Betterment LLC (a "fee waiver"). They will not receive a fee waiver if they have already referred five other friends to Betterment LLC and will not receive more than one fee waiver through this program if you open both a Checking Account and a Betterment LLC account. Even if your friend is not eligible for a fee waiver, you can still receive one. Betterment is not responsible for incorrect entry or other failure on your part to meet the standards for qualifying for the fee waiver. This promotion is not valid with any other offers and is non-transferrable. Offer available to U.S. residents only. Betterment reserves the right to terminate this offer at any time and to refuse or recover any promotion award if Betterment LLC determines that it was obtained under wrongful or fraudulent circumstances, that inaccurate or incomplete information was provided in opening the account, that any rules or regulations would be violated, or that any terms of the Betterment Account Agreements or the Betterment Financial Terms and Conditions have been violated. After the period of time for which your Betterment LLC fees will be waived pursuant to the Refer a Friend Program, there will be no differential between the amount or level of investment advisory fees that Betterment LLC will charge for managing your account and that which it would customarily charge for managing any other new client with similar assets who did not participate in the Refer a Friend Program. Betterment LLC is an SEC Registered Investment Adviser. View Betterment LLC's Wrap Fee Brochure and customer agreements.