What do you want to do with your money? Whether you’re buying the week’s groceries saving for a new kitchen or investing for your golden years you can do it all with the Betterment app. Spend save build wealth and get advice to help make your financial dreams real.

Spend with ease
• No-fee‡ checking account + Visa debit card w/ATM fees reimbursed worldwide
• Great for: Hassle-free daily spending

Save for what matters to you
• High-yield cash account to earn more
• Great for: Saving for something soon like a vacation or new bike

Invest for the future
• Optimized ETF portfolios and advice
• Great for: Investing for big ticket items like a down payment or education

Retire your way
• Planning advice and low-cost IRAs
• Great for: Retiring at 65 or 45 beach or city—whatever you want your golden years to look like

‡ Checking accounts and Betterment Visa Debit Card provided and issued by nbkc bank Member FDIC. Funds in Checking eligible for up to $250k FDIC insurance. Betterment Checking made available through Betterment Financial LLC. Neither Betterment Financial LLC nor any of their affiliates is a bank. Betterment Financial LLC reimburses ATM fees and the Visa® 1% foreign transaction fee everywhere Visa is accepted.

†Cash Reserve (CR) offered by Betterment LLC. Betterment LLC clients may participate in CR through brokerage accounts held at Betterment Securities. Neither Betterment LLC nor any of its affiliates is a bank. Through CR clients' funds are deposited into one or more banks ("Program Banks") where funds earn a variable interest rate and are eligible for FDIC insurance. Through CR clients can earn interest on cash intended to purchase securities through Betterment LLC and Betterment Securities. CR is not a long-term investment option. APY is variable. $10 minimum deposit. No minimum balance. Visit betterment.com/cash-management for full details.

Funds held in your brokerage account are not FDIC-insured but are protected by SIPC. Funds in transit to or from Program Banks are generally not FDIC-insured but are protected by SIPC except when those funds are held in a sweep account following a deposit or prior to a withdrawal at which time funds are eligible for FDIC insurance but are not protected by SIPC. See Betterment Client Agreements at betterment.com/legal for details. Funds deposited in CR are eligible for up to $1M FDIC insurance once funds reach one or more Program Banks (up to $250k each at up to 4 Program Banks). Even if there are more than 4 Program Banks Clients will not necessarily have deposits allocated to provide FDIC insurance above $1M. FDIC insurance limits based on all accounts held in the same insurable capacity at a bank. Excluding one or more Program Banks from receiving deposits may lower the amount of FDIC insurance available through CR. Clients are responsible for monitoring total assets at each Program Bank including existing deposits at Program Banks outside of CR to ensure FDIC insurance limits are not exceeded. For more info on FDIC insurance see www.FDIC.gov. Deposits held in Program Banks not protected by SIPC. For more info see betterment.com/legal/cash-reserve and betterment.com/adv.

Advisory services provided by Betterment LLC an SEC-registered investment adviser. Brokerage services provided to clients of Betterment LLC by Betterment Securities www.bettermentsecurities.com an SEC-registered broker-dealer and member of FINRA/SIPC.

Investments in securities: Not FDIC Insured No Bank Guarantee May Lose Value. Involves risks and there is always the potential of losing money. Before investing consider your investment objectives and Betterment's fees and expenses. Not an offer solicitation of an offer or advice to buy or sell securities in jurisdictions where Betterment is not registered. All images and return figures shown are for illustrative purposes only and are not actual customer or model returns.