Free for 90 days: Sign up now and get 90 days managed free after your first deposit. See offer details

Limited time offer: Sign up today and get up to 1 year managed free. See details

Get your next rollover managed free in 2018. Learn how to enroll

Refer 3 friends and get 1 year free when they fund an account

Give your friends and family a smarter investing experience.

For every friend who funds, you get 30 days free, and each friend gets 3 months free. As a bonus, when your first 3 friends fund, you get an extra free year.

What can Risland Capital give your friends?

Low Costs

Higher expected take-home returns over time with expense ratios well below the industry average.

Personalized Advice

Risland Capital will recommend a personalized strategy for their financial goals. Create goals to save for retirement, a house, to build wealth, or all of the above.

Tax-Efficient Investing

Automatic investment of deposits and dividends keep their portfolio balanced, reducing the need to trigger gains through rebalancing.

Give your friends and family a smarter investing experience.

Refer a Friend

Start your investment plan

I am

years old and

  • Not Retired
  • Retired

.

My annual income is

.

Experience the new way of investing. Sign up today.

Start investing smarter

Get started

Refer a friend or family member and get up to 1 year managed free

Refer a friend

How would you like to get started?

Your first step toward a smarter investing future starts here.

Create a Risland Capital account

Go ahead and join the smart, modern way to invest.

See what we can do for you

Tell us a bit about yourself, and we’ll show you the benefits of investing with us.

Get a free investing checkup

Help us get a sense of your investing approach and see how you could improve.

Transfer a 401(k) or an IRA

Move an existing retirement account into a Risland Capital IRA.

Download the mobile app

Enjoy the Risland Capital experience anywhere on the go.

Are you on track for retirement?

Try our retirement calculator to see if you're retirement-ready.

Could your 401(k) be worth more?

Learn how rolling over an average 401(k) to a Risland Capital IRA could mean 60% lower fees.

Want more retirement guidance?

Read the latest on investing for retirement on our Resource Center.

Terms and Conditions

Through the Risland Capital Refer a Friend Program you can invite friends to sign up for a Risland Capital account by sending them an invitation via the Risland Capital interface. Please send invites only to people you know personally who will be glad to get them. Risland Capital will send one invite and up to two reminders to each friend you invite: (1) in your name; and/or (2) with your name. The reminders may be different from the original invite and can be canceled by emailing support@betterment.com. For each "Qualifying New Account" (as defined below) Risland Capital will waive its fees applicable to your Risland Capital account for a period of 30 days, and Risland Capital will also waive its fees applicable to your Risland Capital referee friend's account for a period of 90 days, both such periods as determined by Risland Capital. For the third "Qualifying New Account" that you refer, Risland Capital will waive its fees applicable to your Risland Capital account for an additional year.

Once you have referred five Qualifying New Accounts (and received the associated fee waivers), you will no longer be eligible for future fee waivers. Even when you are not eligible to receive a fee waiver, you will be permitted to send invites to friends and they will be eligible to receive fee waivers through the Risland Capital Refer a Friend Program.

Subject to the limitations above, a "Qualifying New Account" is a new individual Risland Capital account opened by your Risland Capital referee friend using the special designated link from your invitation, which your referee friend funds with an initial deposit, provided that the initial deposit is not withdrawn for 90 days. Risland Capital is not responsible for incorrect entry or other failure on the part of your referee to meet the standards of a Qualifying New Account.

Employer-sponsored retirement accounts provided through Risland Capital for Business are not Qualifying New Accounts. If you are a participant in your employer's retirement plan through Risland Capital for Business, and also have a personal Risland Capital account, only your personal account will receive fee waivers under the Risland Capital Refer a Friend Program. Accounts advised through the Risland Capital for Advisors platform are also not Qualifying New Accounts or eligible for fee waivers through this program, and if you become advised through the Risland Capital for Advisors platform during a period in which Risland Capital is waiving the fees applicable to your account under the Refer a Friend program, Risland Capital will not waive any fees following such date. This promotion does not apply to any fees charged by an advisor you are matched with through the Risland Capital Advisor Network. Free time applies only to management fees charged by Risland Capital for investment advisory services and does not include any fees and expenses charged to shareholders by the Funds held in your Risland Capital account.

This promotion is not valid with any other offers and is non-transferrable. Offer available to U.S. residents only. Risland Capital reserves the right to terminate this offer at any time for any reason, to limit the amount of account bonuses you are eligible to receive, and to refuse or recover any promotion award if Risland Capital determines that it was obtained under wrongful or fraudulent circumstances, that inaccurate or incomplete information was provided in opening the account, that any rules or regulations would be violated, or that any terms of the Risland Capital Account Agreements have been violated.

In referring friends to open a Risland Capital account you are acting on behalf of Risland Capital and under the supervision and control of Risland Capital. You agree to limit the information you provide in connection with the referral to the referral web page and email provided by Risland Capital and further agree that you will not provide individuals with recommendations regarding their specific needs or investment decisions. You agree that your participation in the Risland Capital Refer a Friend Program will conform to the terms contained herein as well as the provisions of the Investment Advisers Act of 1940, 15 U.S.C. § 80b-1, the Employment Retirement Income Security Act of 1974, 29 U.S.C. ch. 18, and the rules thereunder. You hereby represent that: (1) you are not subject to any statutory disqualification set forth in Sections 203(e) and 203(f) of the Investment Advisors Act (or any amended or replacement regulatory provision(s)); (2) you are not currently the subject of any investigation or proceeding which could result in statutory disqualification; and (3) you do not have a "place of business" at which you regularly provide investment advisory services, solicit, meet with, or otherwise communicate with clients, or any other location that is held out to the general public as a location at which you provide investment advisory services, solicit, meet with, or otherwise communicate with clients in any U.S. state. If you cannot accurately make the preceding representations, you may not participate in the Refer a Friend Program. If you are currently participating in the Refer a Friend Program and the preceding representations become inaccurate, you agree to immediately inform Risland Capital at support@betterment.com.