Your AI wealth management platform

M1 is an AI wealth management company where you can invest, save, and borrow, with built-in fiduciary advice from M1 Advisor.

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400,000+ clients as of September 2026

M1 Advisory Services, LLC is an SEC-registered investment adviser

M1 Finance LLC is a member of FINRA and SIPC

$14B+ in client assets as of Sept. 2026

400,000+ clients as of September 2026

M1 Advisory Services, LLC is an SEC-registered investment adviser

M1 Finance LLC is a member of FINRA and SIPC

$14B+ in client assets as of Sept. 2026

400,000+ clients as of September 2026

M1 Advisory Services, LLC is an SEC-registered investment adviser

M1 Finance LLC is a member of FINRA and SIPC

$14B+ in client assets as of Sept. 2026

What can you ask M1 Advisor?

Ask in plain language. M1 Advisor answers from your actual positions, balances and rates and shows you the data and the logic behind any recommendation. Ask follow-ups until you’re satisfied.

Explore M1 Advisor

For illustrative purposes only

How is M1 Advisor different from a traditional financial advisor?

Traditional financial advisors typically charge around 1% of assets each year and have account minimums. There also aren’t enough of them to serve everyone who needs advice.

M1 Advisor carries the same legal duty a traditional advisor owes you: a duty of care, a duty of loyalty, disclosure of conflicts of interest, and an audit trail for the guidance it gives. It’s there whenever the question hits, with no appointment needed.

Who makes the decisions?

You do. M1 Advisor gives advice. You decide if you want to take it. 

You control your accounts. Unlike traditional wealth managers, M1 keeps you in the driver’s seat. You maintain direct access to all your accounts.

You control what it remembers. Save, edit or delete a memory, or turn memory off entirely. Your financial data stays secure and is not used to train AI models, including third-party AI models.

Enrollment is opt-in. You can cancel the advisory agreement anytime without penalty.

What accounts does M1 offer?

Get advice alongside every account.

M1 investment account

Invest

Taxable brokerage, retirement and custodial accounts. Your portfolio on M1 is a Pie made of the stocks and ETFs you choose. Build it yourself or let M1 Advisor help you decide. Set an investing schedule and new trades queue up automatically.

Explore investing

Earn

Keep uninvested cash available and earning. Money in your M1 High-Yield Cash Account earns 3.35% APY1 on every dollar.

Explore the Cash Account
M1 Margin Loan

Borrow

Borrow against your portfolio at 5.90% for investing or for liquidity.3 Margin is built into brokerage accounts with at least $2,000 in eligible securities.

Explore margin loans

Can I connect accounts I hold elsewhere?

You can. No need to log into different apps to see your entire financial life. Sync your 401(k), your mortgage, your credit cards, and any other external accounts to your balance sheet. And with all your accounts connected, M1 Advisor has the full context to give you more personalized advice.

How is my money protected at M1?

Member SIPC

M1 Finance LLC is a member of SIPC. Securities in your brokerage account are protected up to $500,000. For details, see www.sipc.org.

FDIC insurance through partner banks

Cash in the M1 High-Yield Cash Account becomes eligible for FDIC insurance once it’s swept to partner banks, up to an aggregate total of $4.75 million.2

SEC-registered investment adviser

M1 Advisory Services, LLC is the SEC-registered investment adviser responsible for the advice given by M1 Advisor.

What does M1 cost?

M1 Finance LLC doesn’t charge commission, trading or management fees for self-directed brokerage accounts. M1 charges a platform fee of $3/month, which is waived for clients with more than $10,000 on the platform.

M1 Advisor is a free advisory service for M1 clients.*

*Other fees may apply, including regulatory fees, account closure fees and ADR fees. See M1’s fee schedule for the complete list.

Your M1 questions, answered

Go to Help Center

Yes. You can do a full or partial brokerage transfer to M1. ACAT transfers (Automated Customer Account Transfer Service) are used for most full and partial brokerage-to-brokerage transfers. They are generally faster and more streamlined (4–7 business days). M1 does not charge an incoming transfer fee. More information on transfers.

You can keep them. When you transfer a brokerage account to M1, your stocks and ETFs move over as they are.

Before you start, add the securities you’re transferring to your Pie and set a target percentage for each. Those percentages only guide your future investing. They don’t change what arrives or its value. Anything you don‘t add to your Pie still comes over and shows up as “Received Securities” outside of it, so nothing gets left behind.

How to prepare for a brokerage transfer on M1

Yes to both. You can roll over employer-sponsored plans like a 401(k), 403(b), or 457 into an M1 IRA anytime, without penalty. Existing Traditional and Roth IRAs can transfer over too, and keep their tax status as long as you move them into the same type of M1 IRA. M1 doesn’t charge to receive a rollover.

Start by opening an M1 IRA, since you’ll need the account number for the transfer. Then ask your provider to send the funds to M1. If your brokerage supports ACATS, your holdings can transfer in kind. Otherwise, your provider will liquidate your assets and mail a check payable to Apex Clearing, and you’ll be able to invest the cash once it lands.

Most rollovers finish within two to three weeks. A rollover is one of several options for a retirement account, so you may want to talk to a tax professional first.

More about rollovers

M1 is built for long-term investing, so a few things are left out on purpose. There’s no day trading, extended-hours trading, or limit orders. Trades run once or twice a day in scheduled trade windows, which keeps you focused on where your money is going instead of minute-by-minute market moves. Options, futures, short selling, mutual funds, and OTC stocks aren’t available either.

You also won’t find a robo-advisor picking your portfolio for you. You choose what you own from 6,000+ U.S.-listed stocks and ETFs, and fractional shares let you build it to your exact percentages. For guidance along the way, M1 Advisor is built into M1 and can offer advice that reflects your full financial picture.

No. M1 is not a bank. Brokerage and cash accounts are offered by M1 Finance LLC, a member of FINRA and SIPC. Advisory services are offered by M1 Advisory Services, LLC, an SEC-registered investment adviser. M1 High-Yield Savings Accounts and Personal Loans are furnished by B2 Bank NA, Member FDIC.

Your investments stay yours. M1 Finance LLC is a member of SIPC, which protects the securities and cash in your brokerage accounts up to $500,000 (including up to $250,000 in cash) if the firm were to fail. Cash swept to program banks from your High-Yield Cash Account or High-Yield Savings Account is covered by FDIC insurance instead. SIPC doesn’t cover market losses or crypto, and you can read the full details at SIPC.org.

M1 is for long-term investors who want an all-in-one personal finance platform and advice they can check. People who think in years and decades, who’ll hand off the analysis and keep the judgment. M1 isn’t a day-trading platform or a place to chase short-term plays.

As featured in

Best for Sophisticated Investors and Cryptocurrency Portfolio Selection

Investopedia, 2026

Best Custodial Account

Forbes, 2026

Best for Customizable Portfolios

NerdWallet, 2026

One of the best Roth IRAs

Investopedia, 2026

4.7 stars on Apple App Store
(As of September 2026)

4.4 stars on Google Play
(As of September 2026)

Build wealth with built‑in fiduciary advice

Join M1

App Store & Google Play sources: https://apps.apple.com/us/app/m1-investing-banking/id1071915644 & https://play.google.com/store/apps/details?id=com.m1finance.android&hl=en_US&gl=US&pli=1

^M1 Finance, LLC does not charge commission, trading, or management fees for self-directed brokerage accounts. You may still be charged other fees such as M1’s platform fee, regulatory fees, account closure fees, or ADR fees. For a complete list of fees M1 may charge visit M1’s Fee Schedule.

1Stated APY (annual percentage yield) with the M1 High-Yield Cash Account is accrued on account balance. Obtaining stated APY requires a minimum initial deposit of $100. APY is solely determined by M1 Finance LLC and its partner banks, and will include administrative and account fees that may reduce earnings. Rates are subject to change without notice. M1 High-Yield Cash Account is a separate offering from, and not linked to, the M1 High Yield Savings Accounts offered by M1 Spend LLC’s banking partner. M1 is not a bank.

2The cash balance in your Cash Account is eligible for FDIC Insurance once it is swept to our partner banks and out of your brokerage account. Until the cash balance is swept to partner banks, the funds are held in a brokerage account and protected by SIPC insurance. Once funds are swept to a partner bank, they are no longer held in your brokerage account and are not protected by SIPC insurance. FDIC insurance is not provided until the funds participating in the sweep program leave your brokerage account and into the sweep program. FDIC insurance is applied at the customer profile level. Customers are responsible for monitoring their total assets at each of the sweep program banks. A complete list of participating program banks can be found here.

3M1 Margin Loans are available on margin accounts with at least $2,000 invested per account. Not all securities are available for M1 Margin Loans and the amount that may be borrowed against a security is subject to change without notice. Available margin amount(s) of M1 Margin Loans may require greater than $2,000 per Brokerage Account. Not available for Retirement and Custodial accounts. Margin rates may vary.

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