Embark

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 Google Authenticator, or from a text message sent to your mobile phone when you log into your account.

Why you should set up Two-Factor Authentication:

Cyber attackers are becoming increasingly better at hacking into accounts and other password protected locations. Hackers have the capability to test billions of password combinations in a second, thus it has become paramount to enable extra security in your financial and other online accounts. Betterment, Embark’s technology partner, offers Two-Factor Authentication and we recommend that everyone who has an account with Embark enable it.

How to set up Two-Factor Authentication at Embark?

Enabling Two-Factor Authentication on your account is simple. Click on “settings” which is at the bottom left of your screen. Once you click settings, click “security” on the top menu bar. You will see Two-Factor Authentication. Choose “set-up two factor authentication” and follow the steps provided.

If you’d like to set up with SMS authentication, you’ll be asked for your cell phone number to complete set up.

If you’d like to set up with a mobile authenticator application, such as Authy or Google Authenticator, Betterment will give you a QR code to scan from your authenticator app to set it up.

What to do if you lose your phone if Two-Factor Authentication is enabled?

If your phone was lost or stolen, you can call Betterment at 888-373-9907 and they will help you disable Two-Factor Authentication so you can log in.

Have questions?

If you have any questions about holdings in your account or one of our models, or perhaps have another question about our services, you can contact us directly at 920.785.6012 or email us at [email protected].  Betterment maintains a support line you can also call for help with navigation, linking your accounts or other site functionality.  You can call the Betterment for Advisers support line at 800.400.1571.

Last updated January 9, 2023

Disclosures: Content contained herein is presented is for informational and educational purposes only and is not intended as an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies, nor shall it be construed to be the provision of individualized investment, tax, or legal advice.  

Embark is a digital investment service advised by ETF Model Solutions, LLC.   Investments recommended by Embark involve risk and will fluctuate in value.  Unless otherwise stated, investments are not insured or guaranteed. May lose money. Embark utilizes the platform and technology services of Betterment LLC, an SEC Registered Investment Adviser.  Betterment provides the wrap fee program that assists us in providing our services to you. Custody and trading services for the program are provided by Betterment Securities, an SEC registered broker-dealer and member FINRA/SIPC.

Embark’s services are specific to the investment goals that you identify.  We do not provide comprehensive financial or tax planning. Our Advisory services rely upon an algorithm designed and maintained by Betterment to assist us in determining our portfolio recommendations.   Unless you directly consult with Embark Advisory personnel, the algorithm is the sole basis of the advice. You should not rely solely on the Betterment advice algorithm’s recommendation to make your investment decisions. Embark strongly advises all Clients to speak directly with an Embark IAR prior to making any investment decisions.

All tools and content on the Betterment, LLC website, are designed, created, and maintained by Betterment. Certain functionality, tax-coordinated portfolios and links to investment philosophy, research, educational materials, and FAQs apply solely to betterment’s 2-dimensional portfolios and may not apply to Embark’s 3-dimensional investment recommendations.

Existing Embark clients are reminded to login and update personal information whenever their goals or personal financial circumstances change.  Clients should also confirm that their current goal allocation is aligned with the recommended target allocation provided for each goal. Clients with questions regarding their account, personal financial circumstances, goals, or an investment allocation with respect to our service should contact us via email or telephone.

Prospective clients contemplating opening an account with Embark are advised to read Embark’s Form ADV Brochure, Part 2A for important disclosures about our services, business practices, the costs, and risks of investing, and other important considerations prior to opening their account.  You can access the most recent version of our Form ADV via a link on our website.

ETF Model Solutions, LLC. is registered as an investment adviser with the SEC.  Registration does not imply a certain level of skill or training.  If you have any questions about our professional services, please call us at 920.785.6012 or email [email protected]