Take control of your retirement

Maximize your retirement savings with free IRAs. Pick your own stocks and funds, choose from dozens of professional portfolios, or combine the two to fit your unique financial goals and risk tolerance. With fractional shares and automatic dividend reinvestment, you can rest easy knowing you’re always fully invested. Plus, with no commissions or management fees, you never have to worry about hidden fees eating into your returns again.

Why set up an IRA or Roth IRA with M1?

No fees

Say goodbye to confusing costs and hidden fees. M1 offers no-fee IRAs.


Forget about piles of paperwork. M1 makes investing in your future seamless. We’ll even help you transfer old accounts.


With an M1 IRA, you can truly personalize your portfolio with a custom solution for your future.

Watch your savings grow

Never miss an opportunity to invest in your future. Set a schedule to automate your investing and ensure you’re always building wealth in the background.

Learn more →

M1’s Rollover Concierge

Roll over your old 401(k) accounts without the hassle. M1’s Rollover Concierge team makes transferring accounts easier than ever, so you can skip the piles of paperwork. We’ll even guide you through the whole process.

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

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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