Betterment helps you manage your money through cash management, guided investing, and retirement planning. We are a fiduciary, which means we act in your best interest. We'll ask a bit about you when you sign up. We'll also gather information when you connect your outside accounts. Then, we'll help you set financial goals and set you up with investment portfolios for each goal. For your long-term financial needs (like retirement, next year's vacation, or a down payment), our investment strategy utilizes low-cost ETFs (exchange-traded funds) and an adjustable risk profile based on your goal type and how long you plan to invest. For your daily saving and spending, you can use our cash management products that include Checking (which is offered by nbkc bank, Member FDIC) and Cash Reserve, a high-yield cash account.