Skip to main content
  • Individuals
  • Employers
  • Advisors
Contact Sales: (845) 210-4371
Betterment at Work Logo
Open menu
  • Products & Services
    • 401(k)
    • Investment options
    • Payroll Integrations
    • 401(k) Compliance
    • 529 Education Savings
    • Financial Coaching
    • Launch your 401(k)
  • Who we serve
    • Employers
    • Advisors
    • Benefits brokers
    • Accountants
    • Franchises
    • Employees
  • Resources
    • Our investment approach
    • Employer resources
    • Tax calculator
    • Retirement legislation
    • Employee resources
  • Pricing
See solutions for
  • Individuals
  • Employers
  • Advisors
Contact Sales
(845) 210-4371
Log in
Get started

Betterment at Work Employer Agreements & Disclosures

Arch illustration - desktop Arch illustration - mobile

MSA Terms & Disclosures


  • Advisory Services Terms
  • Sub-Advisory Services Terms
  • Brokerage Services Terms
  • Administrative Services Terms
  • Election to Receive Periodic Statements
  • FINRA Margin Disclosure Statement
  • Electronic Funds Transfer Rights and Error Resolution
  • Certification Regarding Investment Delegation
  • Consent to Electronic Delivery of Documents from the Betterment Entities
  • Smart Beta Portfolio Terms & Conditions

Additional 401(k) Services


  • Payroll Integration Terms
  • 401(k) Payroll Concierge Services Terms

Financial Wellness


  • Qualified Student Loan Payments 401(k) Match - Employer Terms & Conditions
  • 529 Education Savings Employer Terms & Conditions
  • Additional Advisory Services Terms & Conditions
Betterment Logo Icon SVG Footer
  • Accounts
    • Automated investing
    • High-yield cash
    • IRAs
    • Crypto investing
    • Checking
    • Trusts
  • Tools
    • Portfolio options
    • Historical performance
    • Mobile app
    • Goal tracker
    • All-in-one dashboard
    • Charitable giving
    • Socially responsible (SRI)
  • Service
    • Talk to an advisor
    • Premium
    • Rollover support
    • Retirement advice
  • Resources
    • Education
    • Support
    • FAQ
    • Risk and return
    • Pricing
  • About
    • About us
    • Reviews
    • Press
    • Shop
    • Careers
  • Rewards
    • 4.50% APY boost
    • Refer a friend
  • Disclosures
    • Legal
  • Betterment on Instagram
  • Betterment on Facebook
  • Betterment on X
  • Betterment on LinkedIn
  • apple-app-store
  • google-play-store
  • Contact us
  • Betterment 401(k)
  • Betterment Advisors Solutions

This property is operated and maintained by Betterment for Business LLC. Terms and Conditions.

The articles and customer support materials available on this property are educational only and not investment or tax advice. 

Who Provides What Service?

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.  Brokerage services provided to clients of Betterment LLC by Betterment Securities, an SEC registered broker-dealer and member of FINRA/SIPC. 

Betterment LLC does not require clients to maintain a minimum investment account balance. However, accounts below a certain balance may have certain restrictions. For more information, please see additional disclosure. 

Betterment at Work services offered by Betterment LLC. Neither Betterment LLC nor any of its affiliates is a bank.

Let’s Talk about Risk

Investments in securities: Not FDIC Insured • No Bank Guarantee • May Lose Value. 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. Past performance does not guarantee future results, and the likelihood of investment outcomes are hypothetical in nature. 

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.  The information contained herein:  (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and  (3) is not warranted to be accurate, complete or timely.  Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information.

You are viewing a web property located at Betterment.com. Different properties may be provided by a different entity with different marketing standards.

  • Site Map
  • Terms of Use
  • Privacy Policy
  • Trademark
  • Legal Directory

Google Play and the Google Play logo are trademarks of Google, Inc.

Apple, the Apple logo, and iPhone are trademarks of Apple, Inc., registered in the U.S.

Betterment assumes no responsibility or liability whatsoever for the content, accuracy, reliability or opinions expressed in a third-party website, to which a published article links (a “linked website”). Such linked websites are not monitored, investigated, or checked for accuracy or completeness by Betterment. It is your responsibility to evaluate the accuracy, reliability, timeliness and completeness of any information available on a linked website. All products, services, and content obtained from a linked website are provided “as is” without warranty of any kind, express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, security, or accuracy. If Betterment has a relationship or affiliation with the author or content, it will note this in additional disclosure.

© Betterment. All rights reserved