Holdings are itemized directly on this plan's Schedule of Assets, below.
| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| BETTERMENT FOR BUSINESS, LLC | 47-4872674 | NEW YORK, NY | RECORDKEEPER | $9K | — |
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Tidal Trust III ** 481 Vanguard Dividend Appreciation ETF ** 631 Vanguard FTSE Developed Markets | — | — | — | $1.4M | 22.7% | |
| Exchange-Traded Funds: (continued) SPDR Portfolio S&P 500 ETF | — | — | — | $1.3M | 21.6% | |
| Vanguard Total Stock Market ETF | — |
| — |
| — |
| $1.1M |
| 18.3% |
| Vanguard FTSE Emerging Markets | — | — | — | $510K | 8.3% |
| iShares Core MSCI Emerging Markets ETF ** 85 iShares Core Total US Bond Market ETF | — | — | — | $430K | 7.0% |
| SPDR MSCI USA Gender Diversity ** 490 SPDR Portfolio S&P 400 Mid Cap | — | — | — | $306K | 5.0% |
| SPDR Portfolio S&P 600 Small Cap ETF | — | — | — | $233K | 3.8% |
| Vanguard Total International Bond ETF | — | — | — | $100K | 1.6% |
| iShares Emerging Markets USD Bond ETF | — | — | — | $90K | 1.5% |
| Goldman Sachs ActiveBeta US Large Cap Equity | — | — | — | $64K | 1.0% |
| Goldman Sachs TreasuryAccess 01 Year ETF | — | — | — | $53K | 0.9% |
| SPDR S&P Kensho New Economies Composite ETF | — | — | — | $50K | 0.8% |
| Vanguard Value ETF | — | — | — | $31K | 0.5% |
| Xtrackers USD High Yield Corporate Bond ** 401 * Participant loans receivable - 5 loans outstanding with interest rates ranging from 9.00% to 9.50% - | Participant loans | — | — | $31K | 0.5% |
| iShares ESG Aware U.S. Aggregate Bond ETF ** 852 iShares ESG Aware USD Corporate Bond ETF ** 568 iShares MSCI ACWI Low Carbon Target ETF | — | — | — | $26K | 0.4% |
| Vanguard Mid-Cap Value ETF | — | — | — | $24K | 0.4% |
| Vanguard Short-Term Inflation-Protected Securities ETF ** 346 Vanguard Small-Cap Value ETF | — | — | — | $21K | 0.3% |
| Goldman Sachs ActiveBeta International Equity | — | — | — | $15K | 0.2% |
| iShares 0-5 Year TIPS Bond ETF | — | — | — | $14K | 0.2% |
| SPDR S&P 500 Fossil Fuel Reserves Free ETF | — | — | — | $10K | 0.2% |
| Goldman Sachs ActiveBeta Europe Equity ETF | — | — | — | $9K | 0.1% |
| iShares ESG Aware MSCI USA ETF | — | — | — | $8K | 0.1% |
| JPMorgan Ultra-Short Income | — | — | — | $7K | 0.1% |
| SPDR MSCI EAFE Fossil Fuel Free ETF | — | — | — | $7K | 0.1% |
| Goldman Sachs ActiveBeta Emerging Markets Equity | — | — | — | $6K | <0.1% |
| iShares ESG Aware MSCI EAFE ETF | — | — | — | $6K | <0.1% |
| iShares National AMT-Free Muni Bond ETF ** 242 iShares Trust iShares USD Green Bond ETF | — | — | — | $5K | <0.1% |
| TCW Transform 500 ETF | — | — | — | $5K | <0.1% |
| iShares ESG Aware MSCI USA Small-Cap ETF | — | — | — | $4K | <0.1% |
| Schwab U.S. REIT ETF | — | — | — | $4K | <0.1% |
| Goldman Sachs ActiveBeta Japan Equity ETF | — | — | — | $4K | <0.1% |
| GraniteShares Bloomberg Commodity Broad Strategy No K-1 ETF | — | — | — | $4K | <0.1% |
| Goldman Sachs ActiveBeta US Small Cap Equity ETF | — | — | — | $3K | <0.1% |
| Goldman Sachs JUST U.S. Large Cap Equity ETF | — | — | — | $3K | <0.1% |
| SPDR MSCI Emerging Markets Fossil Fuel Free ETF | — | — | — | $3K | <0.1% |
| Goldman Sachs Access U.S. Aggregate Bond ETF | — | — | — | $3K | <0.1% |
| iShares ESG Aware MSCI EM ETF | — | — | — | $3K | <0.1% |
| Goldman Sachs Access Investment Grade Corporate Bond ETF | — | — | — | $2K | <0.1% |
| Academy Veteran Impact ETF ** 125 Goldman Sachs Access Emerging Markets USD Bond ETF | — | — | — | $2K | <0.1% |
| Vanguard Global ex-U.S. Real Estate ETF ** 237 Vanguard Intermediate-Term Government Bond Index Fund ** 221 Vanguard LongTerm Government Bond | — | — | — | $2K | <0.1% |
