A full-stack solution means that Betterment is able to offer you a seamless experience for all your 401(k) needs. 401(k) plan administration services and recordkeeping services are provided by Betterment for Business LLC. Investment advice to plans and plan participants are provided by Betterment LLC, an SEC registered investment adviser. Brokerage services are provided to clients of Betterment LLC by Betterment Securities, an SEC registered broker-dealer and member FINRA/SIPC. Betterment LLC and Betterment Securities are affiliates of Betterment for Business LLC.