Betterment's RetireGuide offers personalized retirement planning tools that integrate all retirement assets and income sources, including social security, to provide up-to-date projections and customized advice. Users can simulate different retirement scenarios, adjust assumptions, and receive specific investment recommendations to help achieve their retirement goals. The service is free with no minimum balance requirement and aims to help users stay on track for a comfortable retirement.

1. Betterment RetireGuide
www.Betterment.com/retirement
Are you investing correctly for
a comfortable retirement?
TM

2. Why I Built RetireGuide
Hi, I’m Alex Benke, CFP® and 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.
“
“

3. RetireGuide gives you
personalized retirement
planning advice
● Based on all of your
retirement assets - even
those held outside of
Betterment
● Your income in retirement
● 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

4. How is RetireGuide better than the rest?
● Syncs with over 13,000 firms
and refreshes your synced
balances daily
● Includes Social Security and
other retirement income
sources
● Recommends where to invest
(401(k), IRA, Taxable)
● Aren’t tailored to you
● 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
● Don’t automate tax
assumptions
RetireGuide™ Other Calculators

5. RetireGuide looks at your
full retirement picture
RetireGuide syncs with over
13,000 firms, and even Social
Security.
It refreshes daily so your plan
is always up-to-date.
Note: The listing of entities in above image does not indicate a working affiliation,
association, or partnership with Betterment. The entities are listed to show that
RetireGuide is compatible with these services.

6. 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.
Try it now. No minimum balance, it’s free.
www.betterment.com/retirement

7. 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:
● Change the age you receive benefits
and how much you get
● Upload your Social Security data file

8. Step-by-step walk-through
RetireGuide from Betterment.com

9. Step 1
Personal Details
Let us know about your spouse, if
you have one. Here, the hypothetical
customer, Alex, is married to Sierra.

10. Step 2
Annual Income
Alex inputs his current annual income
of $200,000 and his wife’s of $225,000

11. Step 3
Retirement Age
Alex and Sierra would both like to retire
at age 67.

12. Step 4
Retirement Spending
Unlike other tools, RetireGuide
estimates retirement spending for Alex
and Sierra.
We also show all of our assumptions
and rationale.
Of course, Alex can set a specific
retirement income amount, or change
the underlying assumptions.

13. Step 5
Retirement Savings
RetireGuide looks at all of Alex’s and
Sierra’s retirement assets.
Here, Alex selects his synced retirement
accounts held outside of Betterment.
com.

14. Projection
With our projection page, you can see
if you are on track for retirement.
Alex and Sierra are off track for
retirement, but not by much!

15. Projection
You can easily try different scenarios by
editing your:
• Savings per year
• Retirement Age(s)
• Social Security assumptions

16. Customized plan that stays
with you: Edit assumptions
As their situation changes…
• Sierra gets a raise
• Alex sells his business
As their outlook changes, they can edit
assumptions on their plan
• Life expectancy
• Inflation rate
• Other income to include or assets to sync
RetireGuide is the plan that stays with you.

17. Social Security Income
To more accurately predict his Social
Security income, Alex uploads his
Social Security data file that he
downloaded from SSA.gov.
He can also update the age which he
begins collecting his payments.
Benefits increase the later he collects.

18. How to Save
Alex and Sierra get advice on where to
invest for retirement.

19. Actions
What are their next steps? We provide
advice on what they should do:
• Add a Traditional IRA
• Contribute to Sierra’s IRA
• Contribute to their employer plan

20. Accessing RetireGuide
for the first time
1. Sign up for a Betterment
account. There is no minimum
balance
2. Add a Retirement goal
3. Click “Set up plan” next to your
goal
4. Sync your external accounts

21. Accessing RetireGuide
Click on “Edit plan” next to your
Retirement account on Summary, or
click Edit Plan on Advice when viewing
any Retirement account.

22. Are you investing correctly for a comfortable
retirement?
Try RetireGuide to get our free advice.
Sign up for a Betterment account today.
www.betterment.com/retirement

23. 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.
All return figures shown above 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.
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/