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A Simpler Way To Retire

Open Retirement Account

Why set up an IRA or Roth IRA with M1?
Low Costs

There is one low, transparent fee for using M1. No more complex and confusing costs.


M1 provides a simple and intuitive experience for investing toward your retirement.


Personalize your portfolio and truly customize your approach to investing for your future.


M1 will automatically rebalance your account over time, making it a breeze to manage.

Let Your Savings Grow Over Time with Low Costs

Up to two thirds of all people who change jobs each year leave money behind in old 401(k)s. These accounts can hit your returns with high fees. IRA and Roth IRA portfolios can help you build your retirement savings through compounding growth. By putting a little money away each month into a retirement account, you can grow significant savings over time, and M1’s low, simple and transparent fee ensures that your gains are not diminished by hidden costs.

M1’s Rollover Concierge Makes Rollovers a Snap

Transferring an existing IRA or Roth IRA to M1 or rolling over a 401k into an M1 account is easier than you may think. M1 offers free Concierge Rollover service to take the hassle out of rollovers. Let us guide you through the process.

Visit our Support Center if you want to learn more.

Take Control of your Retirement

With M1 you’re able to create a personalized portfolio as unique as you are – truly tailored to your individual investment goals. You can invest in specific companies or industries you believe in or use one of our turnkey pies designed with specific retirement dates and risk tolerance settings. You can even mix multiple options. We offer a full range of choices so you can take control of your retirement.

The Convenience of Automation

While you can customize your portfolio exactly the way you like, you can also set it to be automatically managed and rebalance over time. This is ideal for retirement savings, where you can set your account the way you want to, and M1’s intelligent automation will keep your portfolio on track.

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Check the background of M1 Finance Inc. on FINRA's BrokerCheck

Member of SIPC. Securities in your account protected up to $500,000. SIPC insurance does not protect against loss in the market value of securities. For additional information visit Securities and services are provided to clients of M1 by M1 Finance Inc., member FINRA/SIPC. Investments are not FDIC insured and may lose value. Investing in securities involves risk and there is always the potential of losing money when you invest in securities. Please consider your objectives and M1 fees before investing. Past performance is not a guarantee of future results. Not an offer, solicitation of an offer, or advice to buy or sell securities in jurisdiction where M1 Finance Inc. is not registered.

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