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Rethink what your money can do.Betterment is an online financial advisor with one purpose: to help you make the most of your money. We’re taking proven investment strategies that have been around for decades and using technology to make them more efficient. Our goal: to increase your long-term returns.WHAT WE DO FOR YOUWe make tailored recommendations on decisions like how much to invest and how much risk to take on in your portfolio. Then, we invest your money in a globally diversified portfolio of low-cost ETFs and help lower taxes in ways many traditional investment services can’t match.Seek higher returns:• Automated portfolio management• Globally diversified portfolio of ETFs• Tax‑efficient investing features, like tax loss harvesting and asset locationGet a better investing experience: • Access to licensed financial experts for all customers—anytime, anywhere • Sync your external investments• Customer support 7 days per week• Your satisfaction guaranteed—learn more: https://www.betterment.com/satisfaction-guarantee/Invest and save with transparency: • Low-cost, straightforward pricing plans—learn more: https://www.betterment.com/pricing/• Low-fee funds• No additional trading or rebalancing feesYour security is our top priority: • Access your account with TouchID or a secure PIN• Strongest available browser encryption• Member of SIPC, which protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). Explanatory brochure available upon request or at www.sipc.org.Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Before investing, consider your investment objectives and Betterment's charges and expenses.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.