retireguide™ from betterment - investing made better

Betterment RetireGuidewww.Betterment.com/retirement

Are you invested correctly for a comfortable retirement?

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Why I Built RetireGuide

Hi, I’m Alex Benke, Director of Advice Products at Betterment.

I was frustrated with the retirement tools I found online. They were simplistic, inaccurate, and didn’t help me predict my income in retirement.

So I built a better one.

““

RetireGuide gives you personalized retirement planning advice

● Your income in retirement, based on your savings

● When and where you can retire

● How much you should be saving per year

● Where to invest

Try it now. No minimum balance, it’s free. www.betterment.com/retirement

How is RetireGuide better than the rest?

● Estimates your retirement income, based on where you will retire

● Includes Social Security and other retirement income sources

● Recommends amount to save● Recommends where to invest (401(k),

IRA, Taxable)● Takes into account your whole financial

picture, including assets not at Betterment

● Allows you to edit assumptions● Allows you to view tradeoffs (of saving

more, retiring earlier, etc.)● Dynamic. Plan stays with you, and is

always up to date with the market

● Aren’t tailored to you● Don’t update with your changing

situation● Don’t advise on how to invest to ensure

the safety of your family’s future–they just leave you with a myriad of options for investment

● Leave out other sources of income (pension, Social Security), yourspouse’s assets

● Leave income estimation up to you● Have random ROI assumptions● Don’t automate tax assumptions

RetireGuide™ Other Calculators

RetireGuide looks at your whole financial picture

RetireGuide looks at all of your wealth, even accounts not held at Betterment.com.

RetireGuide estimates retirement spending

Unlike other tools, RetireGuide estimates retirement spending for you.

We also show all of our assumptions and rationale.

Of course, you can modify your retirement income or the underlying assumptions.

Projection and Scenario Playing

Our projections show this customer is off track for retirement.

If you don’t like what you see, you can try different scenarios. Edit your:

• Savings per year• Age• Social security assumptions

Try it now. No minimum balance, it’s free.www.betterment.com/retirement

Step-by-step walk-throughRetireGuide from Betterment.com

Step 1

Personal Details

Let us know about your spouse, if you have one. Here, the hypothetical customer, John, is married to Sarah.

Step 2

Annual Income

John inputs his current annual income of $200,000 and his wife’s of $225,000

Step 3

Retirement Age

John and Sarah would both like to retire at age 67.

Step 4

Retirement Savings

RetireGuide looks at all of John’s and Sarah’s wealth, even for accounts not held at Betterment.com.

Step 5

Retirement Spending

Unlike other tools, RetireGuide estimates retirement spending for John and Sarah.

We also show all of our assumptions and rationale.

Of course, John can modify his retirement income or the underlying assumptions.

Projection

With our projection page, you can see if you are on track for retirement.

John and Sarah are off track for retirement.

Projection

If they don’t like what they see, they can try different scenarios by editing their:

• Savings per year• Age• Social Security assumptions

Customized plan that stays with you: Edit assumptions

As their situation changes…

• Sarah gets a raise, or stops working• John sells his business

As their outlook changes….

• More risk averse

They can edit assumptions on their plan

• Life expectancy• Inflation rate• Portfolio allocation• Other income to include

RetireGuide is the plan that stays with you.

How to Save

Get advice on where to invest for retirement.

Actions

What are their next steps? We provide advice on what to do:

• Add a Traditional IRA• Contribute to Sarah’s IRA• Contribute to their employer plan

Accessing RetireGuide for the first time

• Sign up for a Betterment account. It’s free, and there is no minimum balance.

• Start a Retirement goal.• Click “Set up plan” next to your

goal.

Re-accessing RetireGuide

Click on “Edit plan” next to your Retirement goal.

Are you invested correctly for a comfortable retirement?

Try RetireGuide to get our free advice.

Sign up for a Betterment account today.

www.betterment.com/retirement

For more information on our advice and projection methodology: https://www.betterment.com/advice-projection-methodology/

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

Investments: Not FDIC Insured • No Bank Guarantee • May Lose Value.

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. Not an offer,

solicitation of an offer, or advice to buy or sell securities in jurisdictions where Betterment is not registered. For additional disclosures please see

https://www.betterment.com/legal/