How to Establish a Securities-Backed Line of Credit What does a SBLOC do? SBLOCs offer access to the value of your Betterment assets as a line of credit without liquidating investments. Betterment’s SBLOC is a streamlined, automated application process, and may give you fast access
How to Open an Individual Account at Embark Opening your account with Embark is a straightforward process that typically takes about 10 minutes to complete. When you open your account with Embark, you will need to provide certain basic information (see below) to confirm your
How to Open a Joint Account at Embark A Joint Account is designed for couples or family members who want to share ownership of a single account. It operates in similar fashion to a single account, only there are two account holders that have ownership
How Embark Calculates your Performance Return When you log into your Embark account and navigate to the “performance” page, you will notice there are a few different types of investment returns. The top left portion of your performance page will show a graph that illustrates
What is a Spousal IRA Spousal IRAs can be an effective way to save for retirement if one of the two spouses is a stay at home parent or does not have earned income. A spousal IRA is an IRA that is owned by the
How to Rollover Old Accounts to Embark Why Rollover an Old Account? If you have an old 401(k), IRA, or other employer plan from a previous employer or a non-retirement brokerage account, rolling it over into your Embark account may allow you to consolidate your
What is and how to use the Betterment Cash Reserve What is the Betterment Cash Reserve? Betterment’s Cash Reserve account is designed for flexibility and ease of use. There are no account fees, no minimum balance requirements, and offers daily liquidity, making it ideal for
How to use the Betterment Checking Account What is the Betterment Checking Account? Betterment Checking is a mobile-first checking account designed for simplicity, transparency, and convenience. It comes with no monthly fees, no minimum balance requirements, and no overdraft fees. Betterment currently will fully reimburse
How to Establish Recurring Contributions What are Recurring Contributions? Recurring contributions are automatic, scheduled deposits that help you consistently invest over time without needing to manually initiate transfers. Whether you’re contributing to a taxable investment account, Roth IRA, or another type of investment account, recurring
How to Review and Update your Financial Profile at Embark Why Review and Update your Financial Profile? Keeping your financial profile up to date is an important step in ensuring that your investment strategy, account recommendations, and tax settings remain aligned with your personal financial
How and When Your Portfolio is Rebalanced at Embark What is portfolio rebalancing? Over time, the value of individual ETFs in a diversified portfolio moves up and down, drifting away from their target weights. For example, over the long term, stocks generally rise faster than
How to Access and Download Your Tax Forms When you hold an account with Embark, you may receive annual tax documents that report investment income, gains/losses, contributions, or distributions made during the previous tax year. These forms are prepared and issued by Betterment for Advisors,
Two-Factor Authentication What is Two-Factor Authentication? Two-Factor Authentication is an added level of security to protect your account from theft. With this additional level of security, you’ll be required to enter a unique verification code either from a mobile authenticator application, such as Authy or
Make Your Investing Easier and More Accessible With an App Embark has partnered with Betterment for Advisors as our technology platform and custodian to provide our services to our clients. This offers you access to a mobile app you can download to your smartphone. Since
How to Add or Change Your Bank Account at Embark One of the features of investing with Embark is the ability to electronically transfer funds from your bank checking account into your Embark account. Electronic ACH transfers are easy, safe, and cost-effective. When linking a
How to Access Your Monthly Statements at Embark When you open your account at Embark, you receive monthly statements which include holdings, balances and transactions that occurred in each account during the most recently completed quarter. A separate statement is created for each account registration.
Who is Eligible to Contribute to a Roth IRA? The Roth IRA was established by the Taxpayer Relief Act of 1997 and named after one of its chief proponents, Senator William Roth of Delaware. The primary difference between a Roth IRA and a Traditional IRA
How to Delete an Unwanted Goal at Embark Having your dashboard full of unwanted and unfunded goals can make it difficult to gauge your financial situation. Clean up your dashboard by deleting these old and unnecessary goals. How to Delete a Goal Log into your
Updating Your Personal Information at Embark Embark provides you with the ability to control your investment and your future. You select your goals, decide how much you want to invest, and track your progress. If you need further help, we offer access to a CFP®
How to Add Beneficiaries to Your Embark Accounts When you open an account and set up a goal with Embark you have the option of adding beneficiaries to each of your accounts. This should be a priority, adding beneficiaries is an important step to ensuring
Embark Portfolio Holdings When you open an account with Embark, an initial portfolio allocation is recommended based on your selected personal goal type. Each portfolio or model is comprised solely of exchange-traded funds (ETFs). There are currently approximately 30 ETFs that are across our universe
Goals-Based Investing with Embark Goals-based investing is a more “client-centric” process that is focused on measuring progress towards your goals rather than a focus on generating the highest possible return or “beating the market”. The process requires investor involvement because you determine your desired tangible
