Betterment is a startup helping the world build wealth with ease.

Founded as the first robo-advisor, the brand has a disruptive legacy.

Today, it’s causing trouble in three different markets.

(01) Retail investing,(02) 401(k) plans for businesses, and (03) custodial platforms for independent financial advisors.

I write for all of them, wearing many hats, but keeping the same unconforming spirit.