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Investment advisory services provided through Smith Bruer Advisors, LLC a registered investment adviser with the Securities and Exchange Commission. Investments: Not FDIC insured ˑ No Bank Guarantee ˑ May Lose Value. Brokerage services provided to clients of Betterment LLC by Betterment Securities, a Securities and Exchange Commission registered broker-dealer and member FINRA/SIPC. Investments: 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. See full disclosures for more information. Not an offer, solicitation of an offer, or advice to buy or sell securities in jurisdictions where Betterment is not registered. Market Data by Xignite.

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