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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.

Learn more

4.8 rating - 67,600 reviews^§
900,000+

customers
$56+ Billion

Assets under management

Recent announcements

Here’s what is going on at Betterment.

Betterment Advisor Solutions Launches Solo 401(k)s for Independent Advisors and Their Self-Employed Clients

Feb. 27, 2025
Betterment Acquires Ellevest's Automated Investing Business

Feb. 26, 2025
Despite Improved Outlook, Betterment at Work Survey Finds 62% of Workers Face Serious Financial Anxieties

Dec. 4, 2024
Betterment Expands Charitable Giving with Donor-Advised Funds from Daffy

Nov. 20, 2024
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
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Content

News coverage

Check out recent coverage in the media.

PLAN SPONSOR Do ETFs Have a Place in 401(k) Plans?

March 7, 2025

Wealth Management Betterment Pitches Solo 401(k)s to RIAs

February 27, 2025

Bloomberg Pros and Cons of the US Retirement System

January 30th, 2025

CNBC Betterment CEO Sarah Levy talks recent workers survey

December 11, 2024

HOW TO MONEY Fixing Your Broken Financial Behavior w/ Dan Egan

November 27, 2024

THE STREET Veteran advisor reveals surprising tip for retirement savings

November 21, 2024

YAHOO Some employers offer student loan support — What to know

October 14, 2024

CNBC Betterment CEO Sarah Levy and soccer star Carli Lloyd talk new ‘Pursue Better’ campaign

October 8, 2024

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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Betterment 401(k)
Betterment Advisors Solutions

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 $56+ Billion is as of Mar. 28, 2025.

The reported customer count of 900,000+ is as of Mar. 28, 2025, and is inclusive of checking and investing clients.

^*

The annual percentage yield ("APY") on the deposit balances in Betterment Cash Reserve ("Cash Reserve") is 4.00% 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 December 27, 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.

^†

Betterment Cash Reserve ("Cash Reserve") is offered by Betterment LLC through brokerage accounts at Betterment Securities. Betterment LLC is not a bank. Client funds in Cash Reserve are deposited into one or more FDIC-insured banks (“Program Banks”), where they earn variable interest and are eligible for FDIC insurance (subject to certain conditions). Cash Reserve provides Betterment clients with the opportunity to earn interest on cash intended to purchase securities through Betterment LLC and Betterment Securities. Cash Reserve should not be viewed as a long-term investment option.

Funds in brokerage accounts are protected by SIPC, but funds at Program Banks are FDIC-insured up to $250K per depositor per bank, with a potential aggregate limit of $2M ($4M for joint accounts) once the funds reach one or more Program Banks. Funds in transit to or from Program Banks are generally not FDIC-insured but are covered by SIPC. FDIC insurance limits include all accounts held at a bank, not just Cash Reserve funds. Trust and corporate accounts may be eligible for additional insurance. Clients are responsible for monitoring their deposits across Program Banks to avoid exceeding FDIC limits.

For details, see Betterment’s Cash Reserve T&Cs and Form ADV Part 2. FDIC insurance information is available at FDIC.gov.

IMPORTANT BETTERMENT DISCLOSURES

We want you to know a few things:

Who Provides What Service?

Investment Advice: Advisory services are provided by Betterment LLC, an SEC-registered investment adviser.

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.

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. See Betterment Checking Disclosure.

Betterment at Work: 401(k) plan administration services provided by Betterment for Business LLC. Investment advice to plans and plan participants provided by Betterment LLC, an SEC registered investment adviser.

No Betterment entity is a bank.

Special Disclosure for Betterment Cash Reserve

Betterment Cash Reserve is offered by Betterment LLC and requires a Betterment Securities brokerage account. Client funds in Cash Reserve are deposited into one or more FDIC-insured banks (“Program Banks”), where they earn variable interest and are eligible for FDIC insurance (subject to certain conditions). Funds in brokerage accounts are protected by SIPC, but funds at Program Banks are FDIC-insured up to $250K per depositor per bank, with a potential aggregate limit of $2M ($4M for joint accounts) once the funds reach one or more Program Banks. Funds in transit to or from Program Banks are generally not FDIC-insured but are covered by SIPC. FDIC insurance limits include all accounts held at a bank, not just Cash Reserve funds.

For details, see Betterment’s Cash Reserve T&Cs and Form ADV Part 2. FDIC insurance information is available at FDIC.gov.

Let’s Talk About Risk:

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

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

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.

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