Get up to $500 when you sign up for M1 and make a deposit of $1,000 or more within 14 days. Terms and conditions apply. Learn more →
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My favorite thing about M1 is the Pie: it’s very easy to see an overview of my entire portfolio.

– Joy W.

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


WHY SET UP AN IRA OR ROTH IRA WITH M1?

BUILD YOUR RETIREMENT

Develop the retirement strategy that’s right for you, and implement it with our easy-to-use tools.

CONTROL

Choose the stocks and ETFs you want to invest in, or start with one of 80+ Expert Pies.

EASE

Diversify with fractional shares and automate your contributions so you can invest in your future without the hassle.

NO MANAGEMENT FEES

Goodbye confusing costs and hidden fees. info icon

CHOICE

Choose from Traditional, Roth, or SEP IRAs.

HELP YOUR SAVINGS GROW

Set an investing schedule to automate your contributions and ensure you’re always working to build wealth in the background.

We’ll keep your portfolio balanced with Dynamic Rebalancing, so you can sit back, relax, and let your money do the work for you.


MOVE YOUR RETIREMENT SAVINGS UNDER ONE ROOF

Consolidate your retirement accounts to M1 to get a closer view of your full financial picture.

Do you have an old 401(k) you need to roll over? How about other IRAs that you want to bring under the M1 roof?

Start your transfer to M1 today. We’ll guide you through the whole process and make the transfer as seamless as we can.




Christopher P

I’ve tried so many banks, brokers, financial products…I am exhausted. M1 is way ahead of the competitors.

– Christopher P.

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



YOUR QUESTIONS, ANSWERED

There are no management fees on your M1 IRA account and no trading commissions. A $100 fee is applied if you close your IRA, and there is a $100 fee for outgoing account transfers. Learn more here.

M1 supports Traditional, Roth, and SEP IRAs.



TOTAL CONTROL, TOTAL AUTOMATION

For your wealth today and tomorrow.


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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 technology 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.

M1 Plus is an annual membership that confers benefits for products and services offered by M1 Finance LLC and M1 Spend LLC.

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 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, 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 Spend checking accounts furnished by Lincoln Savings Bank, Member FDIC. M1 Visa® Debit Card is issued by Lincoln Savings Bank, Member FDIC.

Credit Card not available for US Territory Residents. Review Cardholder Agreement and Rewards Terms for important information about the Owner’s Rewards Card by M1. The Owner’s Rewards Card by M1 is Powered by Deserve and issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC.

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