About

Betterment Inc., developed by Financial Literacy Group LLC, is a team of solution specialists, software developers, systems integrators, debt counselors, certified financial educators, independent financial advisors, insurance agents, and tax recovery experts—all united to enhance the financial well-being of you and your employees.

Unlike many financial wellness companies, we are consumer advocates, not lenders. We don’t offer loan restructuring, refinancing, debt consolidation, or settlement schemes. Instead, we focus on strategic debt payoff using proprietary debt reduction techniques. Our algorithm-driven technology precisely evaluates an individual’s financial situation and creates a mathematical strategy to significantly reduce debt payoff times while minimizing interest on all types of debt.

This innovative approach is combined with a special liquid-based, uncapped Index Universal Life Insurance policy—similar to Bank-Owned Life Insurance (BOLI)—and leverages changes in IRS codes introduced by the CARES Act of 2020. This allows both employers and employees to “bank like banks,” achieving greater financial efficiency.

Our hybrid financial wellness solutions empower employees with the knowledge, tools, and resources they need to take control of their finances, generate additional income, build generational wealth, and retire with dignity. At Betterment Inc., we are committed to educating, engaging, and equipping individuals for a brighter financial future.