Yes, RetireGuide is included in all Betterment customers. For funded customers, synced retirement accounts will refresh daily--giving you the most accurate advice on your retirement picture.
For customers who are not funded and who don’t have free time, synced accounts will not refresh automatically. Your RetireGuide plan will be based on the last refresh date, or your manually updated balances. You can always get more free time by referring friends here or you can fund your account now here.