The minimum balance requirement for the Premium plan is based on your combined balance across individual and joint taxable accounts, cash accounts, trusts, and any IRAs you hold at Betterment. If you have a 401(k) through an employer plan with Betterment for Business, an account with a third-party advisor through our Betterment for Advisors platform, or a health savings account (HSA) offered by Betterment in partnership with Optum Bank, those accounts are also not included in your minimum balance requirement and are subject to separate fee schedules.