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in advice brokerage accounts individual joint custodial retirement accounts traditional ira roth ira sep ira other accounts crypto offered by bakkt trust more about investing at m1 understanding performance dividend investing roll over your retirement plan to m1 how m1 pies work automate your investing borrow against your account account safeguarding borrow expand borrow instantly with margin built into your account margin loans invest with margin portfolio line of credit loans personal loans further availability soon more about margin loans at m1 what s a margin loan what can you use a margin loan for managing a margin account margin requirements risks benefits of margin trading m1 advisor expand get fiduciary ai financial advice alongside your accounts advice m1 advisor more about advice at m1 what is ai wealth management what is an ai financial advisor is a financial advisor worth it ai advisors vs human advisors ai advisors vs robo advisors learn expand articles tools and calculators to help plan your next move frequently asked questions taking stock knowledge bank compounding cost calculator dividend calculator new retirement calculator savings calculator coast fire calculator stock fund research log in get started toggle menu your ai wealth management platform build long term wealth at m1 ai powered fiduciary advice plus investing saving and borrowing all in one place get started meet m1 advisor 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 accounts does m1 offer get advice alongside every 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 explore investing earn keep uninvested cash available and earning money in your m1 high yield cash account earns 3 35 apy 1 on every dollar explore the cash account 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 what financial advice can i get from m1 m1 advisor is a fiduciary ai financial advisor available alongside your accounts 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 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 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 your m1 questions answered go to help center can i transfer my existing brokerage account to m1 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 can i keep my current holdings or do i have to rebuild my portfolio as a pie 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 can i roll over a 401 k or an old ira 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 what can t i do on m1 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 is m1 finance a bank 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 what happens to my money if m1 shuts down 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 s ipc org who is m1 for 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 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 1 stated 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 2 the 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 3 m1 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 saif 09222026 9ekdvv8e check the background m1 finance llc with finra s brokercheck about our mission careers m1 milestones newsroom help center engage contact us press inquiries affiliate program referral program service status legal terms of use privacy policy legal agreements disclosures accessibility social disclosures by using this website you accept our terms of use and privacy policy and acknowledge receipt of all disclosures in our disclosure library all agreements are available in our agreement library m1 relies on information from various sources believed to be reliable including clients and third parties but cannot guarantee the accuracy and completeness of that information m1 is a technology company offering a range of financial products and services m1 refers to m1 holdings inc and its wholly owned separate affiliates m1 finance llc m1 spend llc m1 digital llc and m1 advisory services llc advisory products and services are offered by m1 advisory services llc an investment adviser registered with the u s securities and exchange commission sec advisory services are distinct from the brokerage products and services offered by m1 finance llc clients receiving advisory services must also maintain brokerage accounts with m1 finance llc which is a separate legal entity and a member finra sipc for important information about m1 advisory services llc including fees services and conflicts of interest please review our form adv part 2a and form crs all investing involves risk including the risk of losing the money you invest past performance does not guarantee future performance using m1 borrow s margin account can add to these risks and you should review our margin account risk disclosure before borrowing nothing in this informational site is an offer solicitation of an offer or advice to buy or sell any security and you are encouraged to consult your personal investment legal or tax advisors brokerage products and services are not fdic insured no bank guarantee and may lose value brokerage products and services are offered by m1 finance llc an sec registered broker dealer member finra sipc 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 m1 is not a bank m1 high yield savings accounts and personal loans are furnished by b2 bank na member fdic and equal opportunity lender and serviced by m1 spend llc a wholly owned operating subsidiary of m1 holdings inc m1 high yield cash account s is an investment product offered by m1 finance llc an sec registered broker dealer member finra sipc m1 is not a bank and m1 high yield cash accounts are not a checking or savings account the purpose of this account is to invest in securities and an open m1 investment account is required to participate in the m1 high yield cash account all investing involves risk including the risk of losing the money you invest the owner s rewards card by m1 is no longer accepting new applications review cardholder agreement for important information about the owner s rewards card by m1 the owner s rewards card by m1 is serviced by m1 spend llc on behalf of m1 credit receivables llc copyright 2026 m1 spend llc all rights reserved m1 digital llc is a wholly separate affiliate of m1 finance llc and neither are involved with the execution or custody of cryptocurrencies cryptocurrencies are not fdic or sipc insured for relevant crypto disclosures and risks visit crypto disclosures all product and company names are trademarks or registered trademarks of their 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