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Betterment is an online financial services company offering automated investing, cash management, and retirement accounts for individuals, plus platforms for advisors and employers. It earns fees on managed assets and services across three lines: retail investing, Betterment for Advisors, and Betterment at Work (401(k) for SMBs). Founded in 2010 and headquartered in New York City, it oversees more than $70 billion in assets for over 1 million clients.