Free for 90 days: Sign up now and get 90 days managed free after your first deposit. See offer details

Coming soon: our new one-on-one advice packages. Learn more

Now available: our new one-on-one advice packages. Learn more

Get your entire Smart Saver balance managed free for 3 months. Enroll today

Get your entire Smart Saver balance managed free for 6 months. Enroll today

Introducing Smart Saver: You could earn 1.83% with our low-risk investing account for your extra cash.* Learn more

Nick Holeman, CFP®

Financial Planning Expert, Betterment

Nick Holeman, CFP®

About Nick

Nick enjoys teaching others how to make sense of their complicated financial lives. Nick earned his graduate degree in Financial and Tax Planning and has since helped countless individuals and families achieve their goals.

Articles written by Nick

Take on More Control with Flexible Portfolios

You may be an experienced investor who enjoys Betterment but would like to change aspects of our recommended portfolios. Enter Flexible Portfolios.

New Tax Bill: How to Plan During Tax Reform Ups and Downs

To help you navigate the uneasy waters of new tax legislation, here are three tips on how to plan during the ups and downs of tax reform.

Are Bonds Safe When Interest Rates are Rising?

History shows that fears of bond losses when interest rates rise are largely overblown.

Introducing Income Portfolios from BlackRock

Betterment has selected an income portfolio strategy from BlackRock to offer investors a personalized opportunity to generate cash income, while seeking to preserve capital.

How to Estimate Your Tax Bracket When Investing

Knowing your tax bracket opens up a huge number of planning opportunities that have the potential to save you taxes and increase your investment returns.

How the State You Live in Affects Your College Savings Strategy

Because states offer different incentives for college savings, your state of residence can play a large role in how you prioritize different savings opportunities. Tools like 529 savings plans, state tax credits, and matching savings programs vary by state, creating a checkerboard of different savings opportunities.

How to Adjust Your Investments During Market Highs

Nervous about the stock market being at record highs? Instead of making short-sighted knee-jerk decisions, consider these five investing actions instead.

5 Investing Tips for Year-Round Tax Planning

Reducing taxes means you keep more of what you earn. While you can't control the stock market, you can control some of your taxes. Knowing how your investments affect your tax bill can help you save money not just on April 15th, but for years to come.

4 Common Mistakes When Investing in Target-Date Retirement Funds

Target-date funds are very common in retirement accounts because they automatically adjust over time. However, plenty of people make mistakes choosing TDFs, which can hurt long-term returns.

6 Tax Strategies That Will Have You Planning Ahead

Here are six tax tips you can follow now to help save money on your taxes in 2017—and years to come.

Search our site

For more information and disclosures about the Betterment Resource Center, click here. | See our contributors.