What We Do

Founded by Financial Literacy Group in 2018, BettermentInc. is revolutionizing financial wellness with hybrid solutions designed to create long-term financial freedom for small business owners and their employees. Our mission is to empower individuals and organizations to take control of their finances and achieve financial independence.

Debt and Interest Solutions
We teach middle-class individuals and families how money works through comprehensive personal finance e-learning courses. Our innovative GPS debt mapping technology enables debt elimination, interest cancellation, and faster mortgage payoff. We’ve already helped middle-class Americans eliminate $2.4 billion in principal debt—and we’re just getting started.

Hybrid Financial Arbitrage
Betterment Inc. provides groundbreaking tools like Hybrid Financial Arbitrage, which moves business and personal debt from a recourse to a non-recourse position. By utilizing IRS codes 7702 and 101(a) (updated under the CARES Act 2020), we allow clients to establish their own “personal bank.” This strategy combines liquid index universal life insurance with debt arbitrage, enabling users to leverage the same dollars they use for mortgage or business debt to build retirement wealth—tax-free and without repayment obligations.

Betterment Inc. teaches working-class families how to manage their money like Wall Street professionals. Through flexible tools, we help clients track spending, grow savings, eliminate debt, and build generational wealth. We provide clear, actionable advice that helps clients plan their futures with confidence.

Why Choose BettermentInc.?
We focus on practical financial wellness that improves lives. For business owners, we help optimize financial futures, allowing employees to focus on work while planning for their dreams. At Betterment Inc., our tools, courses, and expert guidance ensure everyone can achieve financial freedom.

Let us help you and your team secure brighter financial futures today. BettermentInc.—where financial freedom begins.