Betterment

Betterment is the largest independent robo-advisor, helping people to better manage, protect, and grow their wealth through smarter technology. With more than 200,000 customers and over $7 billion in assets under management, the service offers a globally diversified portfolio of ETFs, designed to help provide you with the best possible expected returns for retirement planning, building wealth, and other savings goals. With Betterment’s mobile app, you can safely and securely: • Access your account with a secure PIN log in • Securely link your checking account • Check the balance and returns of your investments in real time • Deposit and withdraw money anywhere, anytime • Manage your portfolio of stocks and bonds • Review your investing goals and account activity • Share Betterment with your friends and family The press loves how smart Betterment is. Here’s what they’re saying: • CNNMoney: “Lets sophisticated investors blend stocks and bonds in one easy-to-manage account.” • CNBC: “A simpler way to save money.” • Wall Street Journal: “A high-quality, low-cost, customer service oriented experience.” Betterment has the functionality of traditional brokerage accounts offered by Fidelity, Scottrade, ETrade, Schwab, TD Ameritrade, Vanguard, and Sharebuilder then adds goal-based saving, behavioral insights, and automation to save you time and money. With your Betterment account, you can: • Build wealth by investing in customized, diversified portfolios of stock and bond ETFs chosen for optimal expected returns. • Open a regular investment account, a Roth IRA, or traditional IRA, or manage a trust account. • Save time through automation, including tax-efficient rebalancing, automatic dividend reinvesting, and automatic deposits. • Save money. We never charge for trades or transactions. All you will ever pay is one low management cost based on your total account balance. We ensure the utmost security and privacy when it comes to your account: • Bank-Level Security: We use 256-bit SSL encryption and securely store your data. • Fraud Protection: We protect your account from unauthorized activity. • SIPC Account Protection: Securities in your account are SIPC protected up to $500,000. • Privacy Protection: We will never sell your personal information to a third party. All return figures shown are for illustrative purposes only, and are not actual customer or model returns. Actual returns will vary greatly and depend on personal and market circumstances. Determination of largest independent robo-advisor reflects Betterment LLC’s distinction of having highest number of assets under management, based on Betterment’s review of assets self-reported in the SEC’s Form ADV, across Betterment’s survey of independent robo-advisor investing services as of March 15, 2016. As used here, “independent” means that a robo-advisor has no affiliation with the financial products it recommends to its clients.