Financial Wellness Ecosystem

Betterment Inc, is changing the narrative on financial wellness, by providing a hybrid solution that will help create a healthy, long term financial future for Employers & Their Employees. We are an Alternative to a 401K Plan.

Comprehensive , Straight Talk Personal Finance e-Learning Courses That Speak To Real World Issues.

Our algorithm based Debt Mapping technology that Applies Banking Principals to Math. The Technology analyzes personal or Business Financial Statements and Creates The Mathematically Fastest Route to Zero Debt. The Financial GPS, eliminates debt, cancels interest, educates, engages, plans, forecasts, manages, advises, Monitors, Reports and guides Users Step By Step to Zero Debt.

Business Owners and Their Employees Learn How to turn Debt into long Term Income. Our Clients move Liabilities from a recourse to a non-recourse position and earn the revenue the banks would have earn from Their debt. Have an EIDL Loan? We Should Talk!

Not only do we unlock the financial potential of your most valuable asset, but we’ve done it without asking you to spend any of your own money and without taking a single dime in payment fees.

We research, qualify and recover government tax incentives, rewards, rebates and credits.

Betterment Inc. deploys an AI driven Solution that reduces an Employer’s healthcare costs by 10% to 15%, with No Change to Existing Providers & No out Of pocket Cost.

The Betterment Inc. financial wellness ecosystem improves employee retention, Decreases absenteeism and Improves Safety. It increases worksite productivity, has  Positively Effects organizational Culture, while boosting the Business Owner’s bottom line.

Financial Wellness Improves Employee Retention

Solves Many of Today’s Top Employment Issues

Attracting and Retaining Talent has become More Competitive than ever.

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 e-Book “4 Ways Financial Wellness Improves Worksite Productivity”?

Financial Literacy, is Part of Our Holistic Solution!

Financial Wellness

How Money Works e-Learning

Betterment Inc., delivers financial literacy, in person (via Zoom), webinar training, hosted educational events and certified personal finance e-Learning 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 or Students Can Google Translate.

essentials personal finance elearning

How Money Works 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. Content reinforces the information written in the book which has sold over $1,000,000 copies.

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 Maps Your Mortgage Pay Off, 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. it eliminates as much as 80% of their interest on mortgages, credit cards, student loans, auto loans and personal loans and Allows Employees to Use That Same money to Supplement Their Retirement.

Hybrid Mortgage Arbitrage

You can turn your mortgage into extra income, giving you greater comfort in retirement. You can use the same money you used to pay off your mortgage early to supplement your retirement savings for the next 10, 20, 30 or 40 years.

Solution Options

Financial Wellness

Fund Matching HSA

Help your Employees get huge value from the Mega HSA matches contributions up to $30,000, no age limit, Everyone Qualifies and there is no Expiration. The Funds 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 Individuals and Families.

Financial Wellness

Financial Coaching

We provide retirement planning and wealth building through our unique liquid asset based universal index insurance products and mortgage arbitrage, which allows our clients to spend the same dollars they used to pay their mortgages early to supplement their retirement.  Our financial coaches are trained professionals who collaborate with and guide the employees to reach their financial goals. Knowledge, Experience, support, accountability.

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.

Business Owner Financial Wellness Options


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.