Sara B. Kalsman

BETTERMENT

NEW YORK, NY 10001

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CRD#: 6094442

Professional summary

Sara Brittany Kalsman, CFP®, who also goes by Sara B Kalsman, Sara Brittany Kalsman, is a registered financial advisor currently at BETTERMENT located in New York, New York.

Sara is registered as an IAR (Investment Advisor Representative) and started their career in finance in 2015. Sara has worked at 5 firms and has passed the Series 65 exam.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

Sara B Kalsman | Sara Brittany Kalsman

Other business activities

Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.

The advisor shows no other business activity.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Sara Brittany Kalsman's CRS (Customer Relationship Summary).

CRS (Customer Relationship Summary)

Certified licenses

Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®

CFP^®

Certified Financial Planner

Start date: 2015

Experience

Current

November 2, 2021 - Present

BETTERMENT

Office #1: 450 West 33rd Street Floor 11, New York, NY 10001

RIA

CRD#: 149117

NEW YORK, NY

Past

January 7, 2020 - September 29, 2021

ONE CAPITAL MANAGEMENT, LLC

RIA

CRD#: 114861

WESTLAKE VILLAGE, CA

Past

March 23, 2016 - January 2, 2020

BEACON POINTE WEALTH ADVISORS, LLC

RIA

CRD#: 151328

Santa Barbara, CA

Past

March 23, 2016 - January 2, 2020

BEACON POINTE ADVISORS, LLC

RIA

CRD#: 119290

Santa Barbara, CA

Past

February 21, 2015 - February 19, 2016

REILLY FINANCIAL ADVISORS

RIA

CRD#: 110315

LA MESA, CA

Primary Firm SEC Registration

This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".

BETTERMENT

BETTERMENT | BETTERMENT LLC (NEW LEGAL NAME) | BETTERMENT LLC | BETTERMENT ADIVSORS LLC

CRD#: 149117 / SEC#: 801-70171

RIA

Registered Investment Advisory firm - (5/21/2009 Approved)

State Registrations and Notice Filings

Listed states reflect where the advisor is authorized to serve clients under state regulations.

IAR

means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.

Highlighted states indicate IAR registrations

IAR

California
(11/2/2021)

IAR

New York
(11/2/2021)

IAR

Texas
(11/2/2021)

Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state.

Exams

State Security Law Exam

IAR

Series 65

Date: 2/21/2015

Uniform Investment Adviser Law Examination

Current Firm

BETTERMENT

BETTERMENT | BETTERMENT LLC (NEW LEGAL NAME) | BETTERMENT LLC | BETTERMENT ADIVSORS LLC

CRD#: 149117 / SEC#: 801-70171

RIA

Registered Investment Advisory firm - (5/21/2009 Approved)

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Contact information

Main Address

450 West 33rd Street Floor 11, New York, NY 10001

Mailing Address

Phone number

(212) 228-1328

Established

Firm type

Fiscal year end

# of Employees

631

SEC notice filing (53 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

BETTERMENT LLC BROCHURE (11/4/2025)

Regulatory assets under management

Total Number of Accounts	1,200,673
AUM (Assets Under Management)	$ 56,368,684,129

Accountant surprise examination report

Filing Date	Form ADV-E Cover	Form ADV-E Report
10/23/2025	Cover Page	Report
10/18/2024	Cover Page	Report
12/08/2023	Cover Page	Report
04/26/2023	Cover Page	Report
01/06/2023	Cover Page	Report

Red Flags

Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities.

Check for any disclosures as part of your thorough research when choosing an advisor.

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Sara B. Kalsman

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Sara Brittany Kalsman's CRS (Customer Relationship Summary).

Certified licenses

Experience

BETTERMENT

ONE CAPITAL MANAGEMENT, LLC

BEACON POINTE WEALTH ADVISORS, LLC

BEACON POINTE ADVISORS, LLC

REILLY FINANCIAL ADVISORS

Primary Firm SEC Registration

BETTERMENT

State Registrations and Notice Filings

Exams

Series 65

Date: 2/21/2015

Current Firm

BETTERMENT

Contact information

SEC notice filing (53 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Accountant surprise examination report

Red Flags

Company Information

BETTERMENT

TRUST BUT VERIFY

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