M1
The facts below are what the maker publishes about M1, checked and dated. Our editors have not written about it yet.
Plans and prices
From M1's own pricing page, checked 20 Sep 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Platform Fee | $3 a month | Access to the M1 platform · Waived with at least $10,000 in total M1 assets or an active M1 Personal Loan · Billed during each 30-day billing cycle when waiver requirements are not met |
| IRA Fee | $3 a month | Applies to clients with only an Individual Retirement Account open who do not me · M1 says customers pay a maximum of $3 per month and will not be charged both the Platform Fee and IRA Fee in the same mo |
| M1 Advisor | Free | For M1 clients · non-discretionary advice; client approves actions · Included at no additional cost through December 31, 2027 |
| M1 platform | $3 a month | Self-directed brokerage has no commission, trading or management fees · other fees may apply · $3/month; waived when total M1 assets reach $10,000 for at least one day in a 30-day billing cycle or with an active M1 Personal Loan; maximum $3/month |
The facts
Each one read from M1's own pages, with the date it was checked.
What it does
- Accounts
- M1 offers taxable brokerage, retirement and custodial accounts.checked 11 Oct 2026
- Account sync
- bothchecked 20 Sep 2026
- Advice
- M1 Advisor answers plain-language questions using a client's positions, balances and rates, and explains the data and logic behind recommendations.checked 11 Oct 2026
- AI data use
- M1 says client financial data is not used to train AI models, including third-party models, and advisory enrollment is opt-in.checked 11 Oct 2026
- Automation
- M1 schedules trades once or twice daily and supports fractional shares for allocating portfolios to target percentages.checked 11 Oct 2026
- Bill tracking
- Nochecked 20 Sep 2026
- Budgeting tools
- Nochecked 20 Sep 2026
- External accounts
- Users can link outside accounts such as 401(k)s, mortgages and credit cards to their balance sheet for broader financial context.checked 11 Oct 2026
- Intended users
- M1 describes itself as designed for long-term investors who want an all-in-one finance platform and advice while retaining decision-making control.checked 11 Oct 2026
- Investing
- Users can build portfolios from stocks and ETFs as Pies, choosing holdings themselves or using M1 Advisor for guidance.checked 11 Oct 2026
- Net-worth tracking
- Yeschecked 20 Sep 2026
- Paid from
- 3checked 20 Sep 2026
- Product
- M1 combines AI-powered fiduciary advice with investing, saving and borrowing in one platform.checked 11 Oct 2026
- Regulatory status
- M1 Advisory Services, LLC is an SEC-registered investment adviser, while M1 Finance LLC is a FINRA and SIPC member.checked 11 Oct 2026
- Report export
- Yeschecked 20 Sep 2026
- Security and protection
- M1 Finance LLC is a SIPC member, securities in brokerage accounts are protected up to $500,000, and swept cash may qualify for FDIC insurance through partner banks.checked 11 Oct 2026
- Support
- M1 provides a Help Center and a Contact us page.checked 11 Oct 2026
- Unavailable trading
- M1 does not offer day trading, extended-hours trading, limit orders, options, futures, short selling, mutual funds or OTC stocks.checked 11 Oct 2026
The company
- Company location
- M1 Finance LLC lists its address as 200 N LaSalle St., Ste. 810, Chicago, IL 60601.checked 11 Oct 2026
- Founded
- 2015checked 19 Oct 2026
- Headquarters
- Chicago, Illinois, United Stateschecked 19 Oct 2026
Money
- Free plan
- Nochecked 20 Sep 2026
Where it runs
- Mobile apps
- bothchecked 20 Sep 2026
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