I'm actually really surprised that Betterment used what was essentially scare-tactics to keep the money in the account.

They showed what our effective short term gains capital tax amount would be as a way to sway you from withdrawing. Negating the fact that they are showing you what your tax amount would be at the highest federal and state tax margin.

Nice to know max tax bill is $500 lower but it gave me quite a pause. I guess it's effective.