Betterment provides two investing account options: a digital plan and a premium plan. The digital account is the least expensive and carries a 0.25% annual fee. This account invests your money in stock ETFs and bond ETFs, and it offers features such as tax-loss harvesting, automatic rebalancing, fractional shares, goal-based planning, socially responsible investing, and human advisor access. Tax-loss harvesting lets you write off, or claim, investment losses on your tax return, lowering the amount you owe in taxes. Betterment uses tax-loss harvesting to sell and reinvest any losses into securities that align with your current portfolio. The digital plan is free to set up, but you'll need at least $299 for a one-time advisor consultation. However, with the premium plan, you'll get unlimited access to financial professionals. The premium account has a $100,000 minimum — and you'll incur a 0.40% annual fee — but you'll get access to all of the features of the digital plan plus more. Specifically, you'll have unlimited access to certified financial planners and in-depth investment advice. In addition, Betterment offers several retirement accounts (traditional IRAs, Roth IRAs, SEP IRAs, and Roth IRA conversions), 401(k)s for businesses, and an investing platform for advisors. Plus, it gives you a 0.75% interest rate on any of your cash balances (Wealthfront only offers 0.35%). Betterment could be a good fit if you're looking for specific goal-based investing and retirement strategies. The platform offers five types of taxable goals: retirement savings, retirement income, safety net, major purchase, and general investing. You can also adjust these goals at any time. This robo-advisor could also be a good option if you're looking for an investment app with human advisor access. But Betterment may not be the right fit if you're looking for other specialty accounts like college savings plans.