With Premium at Betterment, you get 1:1 access to advisors whenever you need, deep financial planning across your assets, exclusive content, and easy transitions on top of the same great advice and optimized technology through our digital platform. Our CFP team has more control over your portfolio and dashboard in Premium to make adjustments that fit your individual needs. Our CFP team excels at holistic goals-based financial planning. They learn what you want to accomplish, crafting a strategy that lets you prepare, grow, and achieve your goals. You can get advice on which accounts to use, help with a backdoor Roth IRA conversion, transfer assets tax-efficiently, build a retirement plan, and more. We'll also offer guidance on assets held outside of Betterment and collaborate with your CPA or attorney. While we are not CPAs and cannot file your taxes, we can advise on maximizing your tax efficiency from an investment management and planning perspective. All of this comes at a 0.40% annual fee, still at a fraction of the cost of a traditional advisor, with no hidden fees.