{"id":14001,"date":"2025-05-14T22:27:48","date_gmt":"2025-05-14T14:27:48","guid":{"rendered":"https:\/\/blog.roboadvisor.com.tw\/?p=14001"},"modified":"2025-05-22T15:50:43","modified_gmt":"2025-05-22T07:50:43","slug":"betterment-%e6%94%b6%e8%b3%bc-rowboat-advisors%ef%bc%9a%e7%82%ba%e7%8d%a8%e7%ab%8b%e9%a1%a7%e5%95%8f%e9%96%8b%e5%95%9f%e6%96%b0%e7%af%87%e7%ab%a0","status":"publish","type":"post","link":"https:\/\/blog.roboadvisor.com.tw\/?p=14001","title":{"rendered":"Betterment \u6536\u8cfc Rowboat Advisors\uff1a\u70ba\u7368\u7acb\u9867\u554f\u958b\u555f\u65b0\u7bc7\u7ae0"},"content":{"rendered":"\n<p>2025\u5e745\u670814\u65e5\uff0c\u7f8e\u570b\u6700\u5927\u7684\u7368\u7acb\u6578\u4f4d\u6295\u8cc7\u9867\u554f\u516c\u53f8Betterment\u5ba3\u5e03\u4e86\u4e00\u9805\u91cd\u78c5\u6d88\u606f\uff1a\u6536\u8cfcRowboat Advisors\uff0c\u4e00\u5bb6\u5c08\u6ce8\u65bc\u5148\u9032\u6295\u8cc7\u7d44\u5408\u7ba1\u7406\u8edf\u9ad4\u7684\u6280\u8853\u516c\u53f8\u3002\u9019\u6b21\u6536\u8cfc\u4e0d\u50c5\u5f37\u5316\u4e86Betterment\u7684\u6280\u8853\u5be6\u529b\uff0c\u4e5f\u70ba\u7368\u7acb\u8a3b\u518a\u6295\u8cc7\u9867\u554f\uff08RIAs\uff09\u5e36\u4f86\u4e86\u66f4\u5f37\u5927\u7684\u5de5\u5177\uff0c\u6a19\u8a8c\u8457\u8ca1\u5bcc\u7ba1\u7406\u884c\u696d\u7684\u53c8\u4e00\u6b21\u9769\u65b0\u3002\u8b93\u6211\u5011\u4f86\u770b\u770b\u9019\u6b21\u6536\u8cfc\u7684\u80cc\u5f8c\u6545\u4e8b\uff0c\u4ee5\u53ca\u5b83\u5c07\u5982\u4f55\u6539\u8b8a\u9867\u554f\u548c\u6295\u8cc7\u8005\u7684\u904a\u6232\u898f\u5247\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"262\" height=\"192\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2025\/05\/image-8.png\" alt=\"\" class=\"wp-image-14040\" style=\"width:317px;height:auto\"\/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Rowboat Advisors \u662f\u8ab0\uff1f<\/h2>\n\n\n\n<p>Rowboat Advisors \u6210\u7acb\u65bc2016\u5e74\uff0c\u662f\u4e00\u5bb6\u5c08\u6ce8\u65bc\u8ca1\u5bcc\u7ba1\u7406\u6280\u8853\u7684\u8edf\u9ad4\u516c\u53f8\uff0c\u6838\u5fc3\u7522\u54c1\u570d\u7e5e\u76f4\u63a5\u6307\u6578\u6295\u8cc7\uff08direct indexing\uff09\u3001\u7a05\u52d9\u512a\u5316\uff08tax optimization\uff09\u53ca\u500b\u4eba\u5316\u6295\u8cc7\uff08personalized investing\uff09\u3002\u4ed6\u5011\u7684\u8edf\u9ad4\u5e6b\u52a9\u6295\u8cc7\u8005\u548c\u9867\u554f\u5be6\u73fe\u4ee5\u4e0b\u76ee\u6a19\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u76f4\u63a5\u6307\u6578\u6295\u8cc7<\/strong>\uff1a\u8b93\u6295\u8cc7\u8005\u8ffd\u8e64\u7279\u5b9a\u6307\u6578\uff0c\u540c\u6642\u6839\u64da\u500b\u4eba\u9700\u6c42\u81ea\u8a02\u6295\u8cc7\u7d44\u5408\uff0c\u517c\u9867\u9748\u6d3b\u6027\u548c\u6548\u7387\u3002<\/li>\n\n\n\n<li><strong>\u7a05\u52d9\u512a\u5316<\/strong>\uff1a\u900f\u904e\u7a05\u52d9\u640d\u5931\u6536\u7a6b\uff08tax-loss harvesting\uff09\u3001\u7a05\u52d9\u667a\u6167\u8f49\u63db\uff08tax-smart transitions\uff09\u3001\u8cc7\u7522\u914d\u7f6e\uff08asset location\uff09\u548c\u667a\u6167\u63d0\u9818\uff08intelligent withdrawals\uff09\uff0c\u6700\u5927\u5316\u6295\u8cc7\u7684\u7a05\u52d9\u6548\u76ca\u3002<\/li>\n\n\n\n<li><strong>\u81ea\u52d5\u5316\u7ba1\u7406<\/strong>\uff1a\u63d0\u4f9b\u589e\u5f37\u578b\u91cd\u65b0\u5e73\u8861\uff08enhanced rebalancing\uff09\u548c\u6a21\u64ec\u5de5\u5177\uff0c\u8b93\u6295\u8cc7\u7d44\u5408\u4fdd\u6301\u6700\u4f73\u72c0\u614b\u3002<\/li>\n\n\n\n<li><strong>\u9ad8\u5ea6\u500b\u4eba\u5316<\/strong>\uff1a\u70ba\u6295\u8cc7\u8005\u63d0\u4f9b\u900f\u660e\u3001\u53ef\u63a7\u4e14\u5ba2\u88fd\u5316\u7684\u6295\u8cc7\u9ad4\u9a57\u3002<\/li>\n<\/ul>\n\n\n\n<p>Rowboat \u7684\u6280\u8853\u5c08\u70ba\u9700\u8981\u9ad8\u6548\u3001\u900f\u660e\u548c\u7a05\u52d9\u667a\u6167\u89e3\u6c7a\u65b9\u6848\u7684\u9867\u554f\u548c\u6295\u8cc7\u8005\u8a2d\u8a08\uff0c\u7279\u5225\u53d7\u5230\u7368\u7acb\u9867\u554f\u7684\u9752\u775e\u3002\u9019\u6b63\u662fBetterment\u770b\u4e2d\u5b83\u7684\u539f\u56e0\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2025\/05\/image-7-1024x683.png\" alt=\"\" class=\"wp-image-14039\" srcset=\"https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2025\/05\/image-7-1024x683.png 1024w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2025\/05\/image-7-300x200.png 300w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2025\/05\/image-7-768x512.png 768w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2025\/05\/image-7-1536x1024.png 1536w, https:\/\/blog.roboadvisor.com.tw\/wp-content\/uploads\/2025\/05\/image-7-2048x1366.png 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">\u6536\u8cfc\u7684\u6230\u7565\u610f\u7fa9<\/h2>\n\n\n\n<p>Betterment \u7ba1\u7406\u8457\u8d85\u904e560\u5104\u7f8e\u5143\u7684\u8cc7\u7522\uff0c\u670d\u52d9\u8fd1100\u842c\u5ba2\u6236\uff0c\u65e9\u5df2\u662f\u6578\u4f4d\u6295\u8cc7\u9867\u554f\u9818\u57df\u7684\u9818\u982d\u7f8a\u3002\u9019\u6b21\u6536\u8cfcRowboat Advisors \u662f\u5176\u52a0\u901f\u5275\u65b0\u3001\u978f\u56fa\u5e02\u5834\u5730\u4f4d\u7684\u91cd\u8981\u4e00\u6b65\u3002\u5177\u9ad4\u4f86\u8aaa\uff0c\u9019\u7b46\u4ea4\u6613\u5e36\u4f86\u4e86\u4ee5\u4e0b\u6539\u8b8a\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. \u6280\u8853\u5347\u7d1a\uff0c\u9867\u554f\u66f4\u7701\u529b<\/h3>\n\n\n\n<p>Rowboat \u7684\u6280\u8853\u5c07\u6574\u5408\u9032 Betterment Advisor Solutions \u5e73\u53f0\uff0c\u70ba\u9867\u554f\u63d0\u4f9b\u66f4\u5f37\u5927\u7684\u6295\u8cc7\u7d44\u5408\u7ba1\u7406\u5de5\u5177\u3002\u5f9e2025\u5e74\u4e0b\u534a\u5e74\u8d77\uff0c\u9867\u554f\u5c07\u80fd\u4f7f\u7528\u64f4\u5c55\u7684\u55ae\u4e00\u80a1\u7968\u652f\u6301\u3001\u66f4\u900f\u660e\u7684\u6a21\u64ec\u5de5\u5177\uff0c\u4ee5\u53ca\u81ea\u52d5\u5316\u7684\u7a05\u52d9\u7ba1\u7406\u529f\u80fd\u3002\u5230\u4e862026\u5e74\uff0c\u76f4\u63a5\u6307\u6578\u6295\u8cc7\u4e5f\u5c07\u4e0a\u7dda\uff0c\u8b93\u9867\u554f\u80fd\u70ba\u5ba2\u6236\u6253\u9020\u66f4\u7cbe\u6e96\u7684\u6295\u8cc7\u7b56\u7565\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. \u5168\u65b9\u4f4d\u5e73\u53f0\uff0c\u6548\u7387\u7ffb\u500d<\/h3>\n\n\n\n<p>Betterment \u4e0d\u53ea\u662f\u4e00\u5bb6\u6578\u4f4d\u6295\u8cc7\u9867\u554f\u516c\u53f8\uff0c\u5b83\u9084\u63d0\u4f9b\u5e33\u52d9\u7ba1\u7406\u3001\u8b49\u5238\u652f\u6301\u4fe1\u8cb8\uff08SBLOCs\uff09\u3001Solo 401(k) \u8a08\u5283\u7b49\u591a\u5143\u7522\u54c1\u3002Rowboat \u7684\u52a0\u5165\u8b93 Betterment \u7684\u8a17\u7ba1\u5e73\u53f0\u66f4\u5b8c\u6574\uff0c\u5e6b\u52a9\u9867\u554f\u5728\u55ae\u4e00\u5e73\u53f0\u4e0a\u7ba1\u7406\u5ba2\u6236\u7684\u6295\u8cc7\u3001\u9000\u4f11\u8a08\u5283\u548c\u73fe\u91d1\u6d41\uff0c\u5be6\u73fe\u696d\u52d9\u898f\u6a21\u5316\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. \u5e02\u5834\u7af6\u722d\u529b\u518d\u63d0\u5347<\/h3>\n\n\n\n<p>\u96a8\u8457\u8ca1\u5bcc\u7ba1\u7406\u884c\u696d\u5c0d\u7a05\u52d9\u667a\u6167\u548c\u500b\u4eba\u5316\u6295\u8cc7\u7684\u9700\u6c42\u6fc0\u589e\uff0cBetterment \u900f\u904e\u9019\u6b21\u6536\u8cfc\u8207 Vanguard\u3001Fidelity \u548c Wealthfront \u7b49\u7af6\u722d\u5c0d\u624b\u62c9\u958b\u5dee\u8ddd\u3002\u5c24\u5176\u5c0d\u9ad8\u6de8\u503c\u5ba2\u6236\u548c\u7368\u7acb\u9867\u554f\u4f86\u8aaa\uff0cRowboat \u7684\u6280\u8853\u63d0\u4f9b\u4e86\u986f\u8457\u7684\u5dee\u7570\u5316\u512a\u52e2\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. \u9802\u5c16\u4eba\u624d\u52a0\u6301<\/h3>\n\n\n\n<p>Rowboat \u7684\u5275\u59cb\u4eba\u517c\u57f7\u884c\u9577 Iraklis Kourtidis \u5c07\u52a0\u5165 Betterment\uff0c\u64d4\u4efb\u6295\u8cc7\u7d44\u5408\u7ba1\u7406\u526f\u7e3d\u88c1\uff0c\u76f4\u63a5\u5411\u9996\u5e2d\u6280\u8853\u5b98 John Mileham \u5831\u544a\u3002\u4ed6\u7684\u6280\u8853\u5c08\u9577\u5c07\u52a0\u901f Betterment \u7684\u7522\u54c1\u958b\u767c\uff0c\u63a8\u52d5\u66f4\u591a\u5275\u65b0\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Betterment \u7684\u64f4\u5f35\u4e4b\u8def<\/h2>\n\n\n\n<p>\u9019\u4e0d\u662f Betterment \u7b2c\u4e00\u6b21\u900f\u904e\u6536\u8cfc\u52a0\u901f\u6210\u9577\u3002\u8fd1\u5e74\u4f86\uff0c\u4ed6\u5011\u7a4d\u6975\u6574\u5408\u5e02\u5834\u8cc7\u6e90\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>2021\u5e74<\/strong>\uff1a\u6536\u8cfc Wealthsimple \u7684\u7f8e\u570b\u9867\u554f\u5e33\u6236\u3002<\/li>\n\n\n\n<li><strong>2024\u5e74<\/strong>\uff1a\u6536\u8cfc Goldman Sachs \u7684 Marcus Invest \u5e33\u6236\u3002<\/li>\n\n\n\n<li><strong>2025\u5e74<\/strong>\uff1a\u6536\u8cfc Ellevest \u7684\u81ea\u52d5\u5316\u6295\u8cc7\u696d\u52d9\uff08\u65bc4\u6708\u5b8c\u6210\uff09\u3002<\/li>\n<\/ul>\n\n\n\n<p>\u9019\u4e9b\u52d5\u4f5c\u986f\u793a Betterment \u7684\u7b56\u7565\u805a\u7126\u65bc\u6280\u8853\u5347\u7d1a\u3001\u5ba2\u6236\u7fa4\u64f4\u5f35\u548c\u5e02\u5834\u4efd\u984d\u63d0\u5347\u3002Rowboat \u7684\u6536\u8cfc\u5247\u662f\u9019\u689d\u8def\u7dda\u4e0a\u7684\u6700\u65b0\u91cc\u7a0b\u7891\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u5c0d\u9867\u554f\u548c\u6295\u8cc7\u8005\u7684\u5f71\u97ff<\/h2>\n\n\n\n<p>\u5c0d\u7368\u7acb\u9867\u554f\u4f86\u8aaa\uff0c\u9019\u6b21\u6536\u8cfc\u610f\u5473\u8457\u66f4\u9ad8\u6548\u7684\u5de5\u4f5c\u6d41\u7a0b\u548c\u66f4\u6eff\u610f\u7684\u5ba2\u6236\u3002Betterment \u7684\u5e73\u53f0\u5c07\u8b93\u9867\u554f\u8f15\u9b06\u7ba1\u7406\u8907\u96dc\u7684\u6295\u8cc7\u7d44\u5408\uff0c\u540c\u6642\u63d0\u4f9b\u7a05\u52d9\u512a\u5316\u548c\u500b\u4eba\u5316\u9078\u9805\uff0c\u6eff\u8db3\u5ba2\u6236\u7684\u591a\u5143\u9700\u6c42\u3002\u5c0d\u6295\u8cc7\u8005\u4f86\u8aaa\uff0c\u9019\u610f\u5473\u8457\u66f4\u900f\u660e\u3001\u66f4\u7bc0\u7a05\u7684\u6295\u8cc7\u9ad4\u9a57\uff0c\u8b93\u8ca1\u5bcc\u589e\u9577\u66f4\u6709\u4fdd\u969c\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u4e0b\u4e00\u6b65\u600e\u9ebc\u8d70\uff1f<\/h2>\n\n\n\n<p>Betterment \u8a08\u5283\u5728\u672a\u4f86\u6578\u6708\u9010\u6b65\u63a8\u51fa\u65b0\u529f\u80fd\uff0c\u4e26\u9080\u8acb\u9867\u554f\u53c3\u52a0\u5373\u5c07\u8209\u8fa6\u7684\u9818\u5c0e\u529b\u7dda\u4e0a\u7814\u8a0e\u6703\uff0c\u6df1\u5165\u4e86\u89e3\u6536\u8cfc\u7d30\u7bc0\u548c\u7522\u54c1\u85cd\u5716\uff08\u8a73\u60c5\u8acb\u898b <a href=\"https:\/\/www.betterment.com\/advisor-solutions\">Betterment \u5b98\u7db2<\/a>\uff09\u3002\u9019\u5834\u8b8a\u9769\u624d\u525b\u958b\u59cb\uff0c\u8ca1\u5bcc\u7ba1\u7406\u884c\u696d\u7684\u672a\u4f86\u503c\u5f97\u671f\u5f85\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u7d50\u8a9e<\/h2>\n\n\n\n<p>Betterment \u6536\u8cfc Rowboat Advisors \u4e0d\u50c5\u662f\u4e00\u5834\u6280\u8853\u8207\u4eba\u624d\u7684\u7d50\u5408\uff0c\u66f4\u662f\u5c0d\u8ca1\u5bcc\u7ba1\u7406\u672a\u4f86\u7684\u627f\u8afe\u3002\u96a8\u8457\u7a05\u52d9\u667a\u6167\u548c\u500b\u4eba\u5316\u6295\u8cc7\u6210\u70ba\u884c\u696d\u4e3b\u6d41\uff0cBetterment \u6b63\u4ee5\u5275\u65b0\u7684\u59ff\u614b\u5f15\u9818\u6f6e\u6d41\u3002\u7121\u8ad6\u4f60\u662f\u7368\u7acb\u9867\u554f\u9084\u662f\u95dc\u6ce8\u8ca1\u5bcc\u7ba1\u7406\u7684\u6295\u8cc7\u8005\uff0c\u9019\u5834\u8b8a\u9769\u90fd\u5c07\u70ba\u4f60\u5e36\u4f86\u66f4\u591a\u53ef\u80fd\u3002<\/p>\n\n\n\n<p><em>\u53c3\u8003\u8cc7\u6599\uff1aBetterment \u5b98\u65b9\u516c\u544a\uff082025\u5e745\u670814\u65e5\uff09\uff0cPR Newswire\uff1bBetterment Advisor Solutions \u7db2\u7ad9<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>2025\u5e745\u670814\u65e5\uff0c\u7f8e\u570b\u6700\u5927\u7684\u7368\u7acb\u6578\u4f4d\u6295\u8cc7\u9867\u554f\u516c\u53f8Betterment\u5ba3\u5e03\u4e86\u4e00\u9805\u91cd\u78c5\u6d88\u606f\uff1a\u6536\u8cfcRowboat [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":14003,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18],"tags":[],"class_list":["post-14001","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-wealthtech-frontier"],"blocksy_meta":[],"_links":{"self":[{"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/posts\/14001","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=14001"}],"version-history":[{"count":2,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/posts\/14001\/revisions"}],"predecessor-version":[{"id":14041,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/posts\/14001\/revisions\/14041"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=\/wp\/v2\/media\/14003"}],"wp:attachment":[{"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=14001"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=14001"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.roboadvisor.com.tw\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=14001"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}