Even if Betterment seems to have the edge over Personal Capital in terms of the cost of investing, which is a huge factor, it is hard to get away from the fact that it is a unique service in the market. Most services either lean towards financial management or Robo-advisor services, but here you can get the best of both. The free services are useful and can help you take control of your spending and budgeting, before giving you the perfect opportunity to accumulate your asset base and switch over to the wealth management services.