You'll pay an annual fee based on your assets under management, not exceeding 1.20%. For clients opting for strategies managed by a third-party advisor, additional fees may apply. The fee is billed quarterly in advance, based on the balance at the end of the preceding calendar quarter. Fees are negotiable. The digital wealth management program offered through Betterment charges an asset-based wrap fee quarterly in arrears, and Betterment charges a separate asset-based program fee.