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 | $61K | — |
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Total Stock Market ETF Exchange-Traded Fund | — | — | — | $6.4M | 30.1% | |
| Vanguard Dividend Appreciation ETF Exchange-Traded Fund * 134 Vanguard FTSE Developed Markets Exchange-Traded Fund | — | — | — | $4.8M | 22.3% | |
| SPDR Portfolio S&P 500 ETF Exchange-Traded Fund | — | — | — | $3.0M | 13.9% | |
| Vanguard FTSE Emerging Markets Exchange-Traded Fund | — | — | — |
| $1.7M |
| 8.2% |
| iShares Core Total US Bond Market ETF Exchange-Traded Fund | — | — | — | $1.7M | 8.0% |
| SPDR Portfolio S&P 400 Mid Cap Exchange-Traded Fund | — | — | — | $1.1M | 5.3% |
| SPDR Portfolio S&P 600 Small Cap ETF Exchange-Traded Fund | — | — | — | $875K | 4.1% |
| Vanguard Total International Bond ETF Exchange-Traded Fund | — | — | — | $377K | 1.8% |
| iShares Emerging Markets USD Bond ETF Exchange-Traded Fund | — | — | — | $338K | 1.6% |
| Goldman Sachs ActiveBeta US Large Cap Equity Exchange-Traded Fund | — | — | — | $125K | 0.6% |
| Vanguard Value ETF Exchange-Traded Fund | — | — | — | $113K | 0.5% |
| SPDR S&P Kensho New Economies Composite ETF Exchange-Traded Fund | — | — | — | $107K | 0.5% |
| Goldman Sachs TreasuryAccess 01 Year ETF Exchange-Traded Fund | — | — | — | $104K | 0.5% |
| iShares 0-5 Year TIPS Bond ETF Exchange-Traded Fund | — | — | — | $77K | 0.4% |
| Vanguard Small-Cap Stock ETF Exchange-Traded Fund * 161 Vanguard Small-Cap Value ETF Exchange-Traded Fund | — | — | — | $50K | 0.2% |
| JPMorgan Ultra-Short Income Exchange-Traded Fund | — | — | — | $41K | 0.2% |
| Vanguard Mid-Cap Value ETF Exchange-Traded Fund | — | — | — | $35K | 0.2% |
| iShares ESG Aware MSCI USA ETF Exchange-Traded Fund | — | — | — | $32K | 0.1% |
| Goldman Sachs ActiveBeta International Equity Exchange-Traded Fund | — | — | — | $30K | 0.1% |
| iShares MSCI ACWI Low Carbon Target ETF Exchange-Traded Fund | — | — | — | $21K | <0.1% |
| Vanguard U.S. Large-cap Growth Equity ETF Exchange-Traded Fund | — | — | — | $21K | <0.1% |
| Goldman Sachs ActiveBeta Europe Equity ETF Exchange-Traded Fund | — | — | — | $18K | <0.1% |
| Schwab U.S. Mid-Cap ETF Exchange-Traded Fund * 185 Schwab U.S. REIT ETF Exchange-Traded Fund | — | — | — | $14K | <0.1% |
| Xtrackers USD High Yield Corporate Bond Exchange-Traded Fund | — | — | — | $12K | <0.1% |
| Goldman Sachs ActiveBeta Emerging Markets Equity Exchange-Traded Fund | — | — | — | $11K | <0.1% |
| Goldman Sachs Access Investment Grade Corporate Bond ETF Exchange-Traded Fund | — | — | — | $11K | <0.1% |
| SPDR S&P 500 Fossil Fuel Reserves Free ETF Exchange-Traded Fund | — | — | — | $9K | <0.1% |
| Goldman Sachs ActiveBeta US Small Cap Equity ETF Exchange-Traded Fund | — | — | — | $8K | <0.1% |
| iShares ESG Aware MSCI EM ETF Exchange-Traded Fund | — | — | — | $8K | <0.1% |
| Vanguard Short-Term Inflation-Protected Securities ETF Exchange-Traded Fund | — | — | — | $8K | <0.1% |
| Goldman Sachs ActiveBeta Japan Equity ETF Exchange-Traded Fund | — | — | — | $7K | <0.1% |
| Goldman Sachs Access U.S. Aggregate Bond ETF Exchange-Traded Fund | — | — | — | $7K | <0.1% |
| SPDR S&P World ex-US ETF Exchange-Traded Fund * 30 TCW Transform 500 ETF Exchange-Traded Fund | — | — | — | $6K | <0.1% |
| Invesco Emerging Markets Sovereign Debt ETF Exchange-Traded Fund * 81 Invesco QQQ Trust Exchange-Traded Fund | — | — | — | $6K | <0.1% |
| SPDR Bloomberg 3-12 Month T-Bill ETF Exchange-Traded Fund * 166 SPDR MSCI EAFE Fossil Fuel Free ETF Exchange-Traded Fund | — | — | — | $6K | <0.1% |
| iShares ESG Aware MSCI USA Small-Cap ETF Exchange-Traded Fund | — | — | — | $5K | <0.1% |
| Goldman Sachs Access Emerging Markets USD Bond ETF Exchange-Traded Fund | — | — | — | $5K | <0.1% |
| iShares Trust iShares USD Green Bond ETF Exchange-Traded Fund | — | — | — | $4K | <0.1% |
| iShares ESG Aware U.S. Aggregate Bond ETF Exchange-Traded Fund | — | — | — | $4K | <0.1% |
| iShares Core MSCI EAFE ETF Exchange-Traded Fund | — | — | — | $3K | <0.1% |
| GraniteShares Bloomberg Commodity Broad Strategy No K-1 ETF Exchange-Traded Fund | — | — | — | $2K | <0.1% |
| SPDR MSCI Emerging Markets Fossil Fuel Free ETF Exchange-Traded Fund | — | — | — | $2K | <0.1% |
| iShares National AMT-Free Muni Bond ETF Exchange-Traded Fund | — | — | — | $2K | <0.1% |
| iShares ESG Aware MSCI EAFE ETF Exchange-Traded Fund | — | — | — | $2K | <0.1% |
| Schwab U.S. Broad Market ETF Exchange-Traded Fund | — | — | — | $2K | <0.1% |
| Goldman Sachs Access High Yield Corporate Bond ETF Exchange-Traded Fund * 475 Goldman Sachs Access Inflation Protected USD Bond ETF Exchange-Traded Fund | — | — | — | $1K | <0.1% |
| iShares ESG Aware USD Corporate Bond ETF Exchange-Traded Fund | — | — | — | $1K | <0.1% |
| iShares Core MSCI Emerging Markets ETF Exchange-Traded Fund | — | — | — | $1K | <0.1% |
| Vanguard Global ex-U.S. Real Estate ETF Exchange-Traded Fund * 841 Vanguard Large-Cap ETF - DNQ Exchange-Traded Fund | — | — | — | $1K | <0.1% |
