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What is Guideline?

Small business owners can easily access a straightforward and budget-friendly 401(k) plan. Our mission is to ensure that every small business has the opportunity to provide a 401(k) that helps employees build a retirement they can look forward to. We seamlessly integrate with leading payroll providers, manage plan administration, and offer affordable mutual fund choices. Unlike other 401(k) plans, we do not impose extra fees on investments. We stand out by handling administration, compliance testing, recordkeeping, and other essential tasks to simplify your responsibilities. Our service is comprehensive, taking care of everything from employee onboarding to compliance testing, government filings, and meticulous recordkeeping. We pride ourselves on predictable pricing, charging a single, all-inclusive fee that starts at $39 per month plus $8 for each participating employee, with no hidden setup or investment costs. Furthermore, our full payroll integration ensures that employee data is automatically synced, enhancing efficiency and accuracy in managing retirement contributions. This way, small businesses can focus on growth while we manage their retirement needs.

What is Betterment?

Betterment is one of the most recognized digital wealth management platforms, built to help individuals achieve financial growth with less effort and more confidence. It delivers automated investing through expert-designed, globally diversified portfolios while layering in advanced tax-saving tools like tax-loss harvesting, tax coordination across accounts, and automatic dividend reinvestment. Users also benefit from a high-yield cash account offering competitive APYs, seamless transfers, and FDIC insurance of up to $2 million—eight times more than most banks. Retirement planning is a core strength of Betterment, with options including Traditional IRAs for upfront tax deductions, Roth IRAs for long-term tax-free growth, and SEP IRAs ideal for entrepreneurs and small-business owners. The platform also provides simple, guided rollovers from old 401(k)s and higher-cost IRA accounts into Betterment-managed IRAs, helping investors consolidate assets, reduce unnecessary fees, and unlock more efficient portfolio growth. With its personalized calculators, goal trackers, and smart portfolio recommendations, Betterment adjusts strategies as life circumstances evolve, ensuring users stay on target for retirement milestones. Investors seeking hands-on support can upgrade to Premium, where Certified Financial Planners (CFPs) provide tailored advice on complex financial questions. By blending automation with human expertise, Betterment offers both convenience and personalized care for a broad range of savers. The platform’s easy-to-use interface, transparent pricing, and strong track record make it a trusted partner for over a million customers. Ultimately, Betterment combines technology, guidance, and innovation to create a modern way to invest, save, and prepare for retirement.

Media

Media

Integrations Supported

ADP Workforce Now
Ascentis
BambooHR
Bennie
Dayforce
Era
Numeric
OnPay
Paychex Flex
Paylocity
RightCapital
Rippling
Utluna
Workday Financial Management
Workday HCM
Zenefits

Integrations Supported

ADP Workforce Now
Ascentis
BambooHR
Bennie
Dayforce
Era
Numeric
OnPay
Paychex Flex
Paylocity
RightCapital
Rippling
Utluna
Workday Financial Management
Workday HCM
Zenefits

API Availability

Has API

API Availability

Has API

Pricing Information

Pricing not provided.
Free Trial Offered?
Free Version

Pricing Information

Pricing not provided.
Free Trial Offered?
Free Version

Supported Platforms

SaaS
Android
iPhone
iPad
Windows
Mac
On-Prem
Chromebook
Linux

Supported Platforms

SaaS
Android
iPhone
iPad
Windows
Mac
On-Prem
Chromebook
Linux

Customer Service / Support

Standard Support
24 Hour Support
Web-Based Support

Customer Service / Support

Standard Support
24 Hour Support
Web-Based Support

Training Options

Documentation Hub
Webinars
Online Training
On-Site Training

Training Options

Documentation Hub
Webinars
Online Training
On-Site Training

Company Facts

Organization Name

Guideline

Company Location

United States

Company Website

www.guideline.com

Company Facts

Organization Name

Betterment

Date Founded

2010

Company Location

United States

Company Website

www.betterment.com

Categories and Features

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