Your retirement savings deserve a dream house

M1 gives you the ability to make your own smart decisions—for free. It’s no wonder that Investopedia named M1 one of the best Roth IRA accounts.


Yours to build

You know your goals, and you know how you want to get there. It’s time to choose a financial platform that lets you customize what counts and automate what clutters.


FREEDOM

Build your portfolio how you want.

EASE

Diversify with fractional shares.

POWERFUL

Schedule contributions and rebalance with one click.

SOPHISTICATED

Borrow from your investments at 2-3.5% APR. info icon

RETIRE

Invest in your future with Traditional, Roth, and SEP IRAs.



Earn up to $2,500 when you switch to M1

Transferring securities from another brokerage account to M1 is simple.
Plus, see how much you could earn
.


Account transfer size

Your bonus


$100,000 – $249,999.99

$250


$250,000 – $499,999.99

$500


$500,000 – $999,999.99

$1,000


$1,000,000 +

$2,500




See Details



What our clients say


M1 makes you feel empowered and knowledgeable about where your money is going.

Brenda O.


M1 Borrow’s flexibility, convenience, speed and ultra-low interest rate (especially for M1 Plus members) can’t be beat.

Adam T.


It is truly the best of both worlds: the choice of securities like traditional brokers as well as the automation of modern robo-advisors.

Michael M.


May not be representative of the experience of other customers. Not a guarantee of future performance or success.

Yours to build

Join 500,000 investors who opened accounts at M1 to automate their finances.

With our next-generation, intelligent financial tools, you can do exactly what you want with your investing, borrowing, and spending.

(More than 27,000 ratings)

Account protection with peace of mind


Securities in M1 Invest accounts are insured up to $500,000 by the SIPC.


M1 Spend checking accounts may be insured up to $250,000 by FDIC insurance.


We are a technology-first company that utilizes the latest in information security.

Powerful investing, personally designed



Check the background of M1 Finance LLC on FINRA's BrokerCheck

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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 refers to M1 Holdings Inc., and its affiliates. M1 Holdings is a technolo- gy company offering a range of financial products and services through its wholly-owned, separate but affiliated operating subsidiaries, M1 Finance LLC and M1 Spend LLC.

Brokerage products are: Not FDIC Insured • No Bank Guarantee • May Lose Value

M1 Plus is an annual membership that confers benefits for products and services offered by M1 Finance LLC and M1 Spend LLC, each a separate, affiliated, and wholly-owned operating subsidiary of M1 Holdings Inc. “M1” refers to M1 Holdings Inc., and its affiliates.

All investing involves risk, including the risk of losing the money you invest, and past performance does not guarantee future performance. Borrowing on margin can add to these risks, and you should  learn more  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, and tax advisors.

Brokerage products and services offered by M1 Finance LLC, an SEC registered broker-dealer and Member  FINRA /  SIPC.

No minimum balance to open account. No minimum balance to obtain APY (annual percentage yield). APY valid from account opening. Fees may reduce earnings. Rates may vary.

M1 Spend checking accounts furnished by Lincoln Savings Bank, Member FDIC. M1 VisaTM Debit Card is issued by Lincoln Savings Bank, Member FDIC.
All product and company names are trademarks™ or registered® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.

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