What do I get with Premium?

With Premium at Betterment, you get 1:1 access to advisors whenever you need, deep financial planning across your assets, exclusive content, and easy transitions on top of the same great advice and optimized technology through our digital platform. Our CFP® team has more control over your portfolio and dashboard in Premium to make adjustments that fit your individual needs. Our CFP® team excels at holistic goals-based financial planning. They learn what you want to accomplish, crafting a strategy that lets you prepare, grow, and achieve your goals. You can get advice on which accounts to use, help with a backdoor Roth IRA conversion, transfer assets tax-efficiently, build a retirement plan, and more. We'll also offer guidance on assets held outside of Betterment and collaborate with your CPA or attorney. Additionally, you get a Cash Reserve preferred rate—an additional 0.25% APY* on top of the variable rate along with 20% off estate planning with Trust & Will.¹ You will also receive exclusive content, tools & investing options, in addition to prioritized customer support. While we are not CPAs and cannot file your taxes, we can advise on maximizing your tax efficiency from an investment management and planning perspective. All of this comes at a 0.65% annual fee, still at a fraction of the cost of a traditional advisor, with no hidden fees.

What are the eligibility requirements and flexibility?

Premium requires a minimum of $100,000 in investable assets with Betterment per household to upgrade and maintain eligibility in the plan. Assets can be in your IRA, HSA, Solo 401(k) and taxable investing accounts. Cash Reserve, Checking, and employer-sponsored 401(k) accounts do not apply towards the minimum balance requirement. Premium is here to help you for the long term. However, there is no restriction on adjusting your plan. We understand that changes and significant life events can happen. If you'd like to get started with Premium and determine it's not the right fit for you, you can opt out at any time and still use many of Betterment's advanced technology to support your financial goals.

What are the qualifications of the advisors?

With Premium, you access a small group of CFP®s who work together rather than a dedicated advisor. Our advisors are salaried, never commissioned and licensed by the CFP Board; featured on financial news sources like The Wall Street Journal, Bloomberg, and CNBC. Licensed from the CFP Board. Every Financial Planner at Betterment has passed the official CFP® exam, and continues to complete 30 hours per year of ongoing education. Also, only 1 in 3 advisors in the U.S. are officially CERTIFIED FINANCIAL PLANNER™ professionals, a certification that requires over 6,000 hours of professional experience. Salaried, never commissioned. Our CFP® professionals are salaried only, so they focus on helping you achieve your goals—not their cut. Certified as a fiduciary. Since Betterment is a fiduciary, so are our advisors. That means they're legally responsible to act with your best interest in mind.

Wealth management for the life you want

Betterment Premium gives you exclusive benefits and access to a team of financial advisors when you want at just a fraction of the cost of a traditional advisor.

Retirement planning

Financial planning

Estate planning

Tax strategies

Trusts

Buying a home

+0.25% Cash Reserve rate boost

Earn a higher APY on all your cash savings to help your money grow faster.
Solo 401(k) for the self-employed

Take advantage of a flexible retirement plan with high contribution limits and valuable benefits.
U.S.-focused portfolio

Invest in a portfolio of U.S.-based stocks and bonds, designed by experts and offered alongside our other portfolios.
Tax-saving tools and expert insights

Get personalized advice on using tax strategies to support your goals, plus a quarterly market commentary newsletter.
Priority customer support

Enjoy faster responses with priority access to our customer support team.
20% off estate planning with Trust & Will

Ensure your wishes are honored and loved ones protected with an exclusive discount on estate planning services.

Securities backed line of credit coming soon.

Money can be complex. Managing it shouldn’t be.

Whatever your goals or financial situation, we're here to help. Our advisors will assess your wealth, create a tailored plan, and provide guidance to help you achieve what matters most.

A financial roadmap designed just for you

Your CERTIFIED FINANCIAL PLANNER® starts by understanding your goals, assesses your finances, and creates a personalized plan to meet your needs.
Fiduciary advice you can trust

Every CFP® advising you is legally bound to put your interests first, so you can feel secure working together.
Ongoing guidance when you want it

Whether you're changing jobs, getting married, or buying a home, our advisors are here with guidance for all of life's moments.

Working with the advisors has always been helpful when I need answers to questions or to work things through. They have helped set me up with a solid plan that helps me feel like my financial life is in order."

Craig E.

"I am no longer using my accounts with Vanguard, and Acorns because of the ease and overall confidence I have with Betterment."

James M.

Non-paid client of Betterment. Views may not be representative, see more reviews at the App Store and Google Play Store.

Exclusive benefits at an inclusive price.

Access an advisor when you want along with Premium benefits for a 0.65% advisory fee—a fraction of what traditional financial advisors cost.

$100K minimum investment balance

Corbin Blackwell

CFP^®
Nick Holeman

CFP^®, MSBA, EA, CDAA
Kyle McBrien

CFP^®
Sara Kalsman

CFP^®
Mario Najera

ChFC^®, CFP^®
Andy Perkins

CFP^®
Erica Grundza

CFP^®
Sam Beauvais

CFP^®

Frequently asked questions:

With Premium at Betterment, you get 1:1 access to advisors whenever you need, deep financial planning across your assets, exclusive content, and easy transitions on top of the same great advice and optimized technology through our digital platform. Our CFP® team has more control over your portfolio and dashboard in Premium to make adjustments that fit your individual needs.

Our CFP® team excels at holistic goals-based financial planning. They learn what you want to accomplish, crafting a strategy that lets you prepare, grow, and achieve your goals.

You can get advice on which accounts to use, help with a backdoor Roth IRA conversion, transfer assets tax-efficiently, build a retirement plan, and more. We'll also offer guidance on assets held outside of Betterment and collaborate with your CPA or attorney.

Additionally, you get a Cash Reserve preferred rate—an additional 0.25% APY* on top of the variable rate along with 20% off estate planning with Trust & Will.¹ You will also receive exclusive content, tools & investing options, in addition to prioritized customer support.

While we are not CPAs and cannot file your taxes, we can advise on maximizing your tax efficiency from an investment management and planning perspective.

All of this comes at a 0.65% annual fee, still at a fraction of the cost of a traditional advisor, with no hidden fees.
Premium requires a minimum of $100,000 in investable assets with Betterment per household to upgrade and maintain eligibility in the plan. Assets can be in your IRA, HSA, Solo 401(k) and taxable investing accounts. Cash Reserve, Checking, and employer-sponsored 401(k) accounts do not apply towards the minimum balance requirement.

Premium is here to help you for the long term. However, there is no restriction on adjusting your plan. We understand that changes and significant life events can happen. If you'd like to get started with Premium and determine it's not the right fit for you, you can opt out at any time and still use many of Betterment's advanced technology to support your financial goals.
With Premium, you access a small group of CFP®s who work together rather than a dedicated advisor.

Our advisors are salaried, never commissioned and licensed by the CFP Board; featured on financial news sources like The Wall Street Journal, Bloomberg, and CNBC.
- Licensed from the CFP Board. Every Financial Planner at Betterment has passed the official CFP® exam, and continues to complete 30 hours per year of ongoing education. Also, only 1 in 3 advisors in the U.S. are officially CERTIFIED FINANCIAL PLANNER™ professionals, a certification that requires over 6,000 hours of professional experience.
- Salaried, never commissioned. Our CFP® professionals are salaried only, so they focus on helping you achieve your goals—not their cut.
- Certified as a fiduciary. Since Betterment is a fiduciary, so are our advisors. That means they're legally responsible to act with your best interest in mind.

Wealth management for the life you want

Covering every part of your big picture.

Exclusive benefits for Premium members.

+0.25% Cash Reserve rate boost

Solo 401(k) for the self-employed

U.S.-focused portfolio

Tax-saving tools and expert insights

Priority customer support

20% off estate planning with Trust & Will

Securities backed line of credit coming soon.

Money can be complex. Managing it shouldn’t be.

A financial roadmap designed just for you

Fiduciary advice you can trust

Ongoing guidance when you want it

Exclusive benefits at an inclusive price.

95% of customers say they are happy with their advisor experience.

Meet your Premium CFP® advisors:

Corbin Blackwell

Nick Holeman

Kyle McBrien

Sara Kalsman

Mario Najera

Andy Perkins

Erica Grundza

Sam Beauvais

Explore key insights from our team.

Why saving for your retirement isn’t a solo climb.

How to manage debt and invest at the same time.

Sizing up your options for saving while self-employed.

Frequently asked questions:

Ready to do more with your money?