Hybrid Financial Wellness

Betterment Inc, hybrid financial wellness as an employee benefit, relieves stress & improves the financial situation of employees & employers.

Our algorithm based technology, analyzes personal finances, eliminates debt, cancels interest, educates, engages, plans, forecasts, manages, advises, tracks and reports. The technology acts as a financial GPS guiding an employee to financial freedom.

To make employers financially well, Betterment Inc. deploys an AI driven technology that reduces healthcare costs by 10% to 15%. We research, qualify and recover government tax incentives, rewards, rebates and credits.

The Betterment Inc. financial wellness ecosystem improves employee retention, increases worksite productivity and boosts a business owner’s bottom line.

The solution improves morale and organizational culture, we also deliver more working capital for business owners and its all done with no out of pocket expense.

Financial Wellness Improves Employee Retention

Solves Many of Today’s Top Business Issues

A recent Morgan Stanley Study states that 78% of employees who are experiencing high financial stress admit they are distracted by it at work.

A May, 2021 report by Statista states two of the top five challenges business owners are facing are also financial.

The impact from and loss of business as a result of the coronavirus 29%, financial stability and cash flow 12%.

Research also shows that a top issue for small businesses in 2021 is cultivating, retaining and engaging millennial talent.

Employee turnover is another serious issue for small and medium-sized companies. It costs businesses an average of $15,468 when an employee leaves the organization.

Download our free eBook “4 Ways Financial Wellness Improves Worksite Productivity”?

How We Make Employees Financially Well

Financial Wellness

Personal Finance eLearning

Betterment Inc., delivers financial literacy, in person (via Zoom), webinar training, hosted educational events and certified personal finance eLearning courses developed by our research team the Finance Literacy Institute, and based on our text book “How Money Works”. All courses can be translated into multiple languages, using the website translation tool, however the How Money Works Master Class is translated into in Spanish.

Financial Wellness

Fund Matching HSA

Help your Employees get huge value from the Mega HSA matches contributions up to $30,000, no age limit, no underwriter, no expiration. Can be used for any Medical service, Ambulance Services, Labs, Dentists, Orthodontists, Chiropractors, Optometrists, Ophthalmologists, Opticians, Optical Goods, Eyeglasses, Podiatrists, Hospitals and Counseling Services for Debt, Marriage or Personal. The solution saves big money for employees.

Technology Driven Debt Elimination

The proprietary Go Debt Free interest elimination solution serves as the ultimate financial assessment tool. An algorithm driven debt elimination technology, that serves as a financial GPS.

The Fast Mortgage Payoff solution shows your employees how to pay off their debt and mortgages in as little as 5 to 7 years. As a result, it eliminates as much as 80% of their interest on mortgages, credit cards, student loans, auto loans and personal loans.

Financial Content

Our library of financial content houses thousands of marketing and educational finance posts, articles, videos, blogs, podcasts, advice, presentations, webinars and media appearances.  New content is researched, produced and created every week specifically in adult market segments, including Generation Z, Generation X, Millennials, Baby Boomers.

Financial Wellness

Financial Coaching

Our financial coaches are trained professional who collaborate with and guides the employees to reach their financial goals. The process is personalized and non-judgmental. Financial coaches provide support, encouragement, accountability, and tools to help people make informed decisions.

Financial Wellness

Legal Protection

By protecting your employees from the financial stress of an unexpected legal event your employees will be more engaged, focused, and productive; benefiting them and your bottom line. More than 50% of employees have not yet finalized their Will.

Financial Wellness

Identity Protection

According to the Consumer Response Annual Report from the FTC, 55% of the credit or consumer complaints received by the Bureau of Consumer Financial Protection were about incorrect information appearing on credit reports.

How We Add Revenue For Business Owner’s


ERTC Retention Tax Credits

The COVID-19-related Tax Relief Act of 2020, as included in the Consolidated Appropriations Act, 2021, which was enacted in December 2020, further extended the Employee Retention Tax Credit (ERTC) through June 30, 2021, and included certain enhancements that apply starting January 1, 2021.

In March 2021, the American Rescue Plan Act (ARPA) was signed by President Biden and further extended the ERTC through the end of 2021.

Incentive Tax Credits

Essentially, we find money that has been hidden from local business owners for free, as part of our financial wellness solution. Did you know there are local, state, and federal programs designed to reward success?

If the government was holding a large check with your name on it, when would you want to know about that? Boost your Bottom Line. The uncertainty ahead will likely require additional working capital for your business (and your family).

AI Healthcare Cost Reduction

A new AI driven cost cutting solution works with existing healthcare delivers disproportionate results by addressing four areas of a prospects self-funded plan that drive the majority of controllable healthcare cost expenses.

Proprietary AI technology the ultimate in mass scalability while concurrently delivering individualized personalized communication exactly the way their employees, members, each care consumer desire. Save 1o% to 15% – no out of pocket cost.