If one has investments already in place with other organizations, I am presuming that those investments would need to be sold in order to receive cash that can then be placed with Betterment? Also, as I understand Betterments' fee, they are advertising a. 15 % fee per annum for a placement of $10,000 or more with Betterment. Is this correct? The review above mentions a. 9% fee per quarter. So, which is corrrect?