Betterment is a robo-advisory platform that offers both digital-only and hybrid investment management services for individuals and businesses. For individuals, the company offers automated investing services through various exchange-traded funds (ETFs) linked to stocks and bonds that align with one’s preferences and risk appetite. The platform has expanded to offer cryptocurrency portfolios for retail investors, along with individual retirement accounts and non-investment products such as high-yield savings and checking accounts. This is in addition to its B2B product portfolio, which includes a range of services for employers and investment advisors. Our content partner Sacra’s company teardown (August 2022) takes a deeper look at Betterment’s financials, business model, acquisitions, competitive environment, and market opportunities.