M1: AI Wealth Management

M1: AI Wealth Management

AI financial advisor built in

75K ratings
566 reviews
With Ads
💰 Finance
Free
With Ads

Details

Released
September 6, 2016
Updated
October 13, 2026

Features

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About

This finance app simplifies wealth building by offering integrated earning, investing, and borrowing features. Manage cash with high yields, build custom investment portfolios with automated rebalancing, and access competitive margin rates, all within a secure platform.

✓High-Yield Cash Account
✓Customizable Investment Portfolios (Pies)
✓Automatic Rebalancing
✓Fractional Shares
✓Margin Borrowing
✓Retirement Accounts (IRA)
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What users say about M1

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+1

What's New in M1

2026.10.2

October 13, 2026

Here's what you'll find in the latest update: - Bug fixes and improvements Let us know what you think by leaving a review or contacting us at hello@m1.com

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User reviews

Easy to Set Up

I’m really liking the ease using the app and online platforms. I like the pie features so you can presave future investments and auto invest.

Account closed without a notice

– Extremely Disappointing Experience With M1 Finance

My experience with M1 Finance has been extremely frustrating and disappointing. My account was closed, and since then, I have been dealing with difficulties trying to get my own money withdrawn. I have reached out multiple times seeking answers and a resolution, but the process has been unnecessarily prolonged.

What makes this situation worse is the lack of clear communication and the uncertainty surrounding when I will actually receive my funds. Closing someone’s account is one thing, but making it difficult for them to access their own money is completely unacceptable from a customer service standpoint.

I have been patient and have given M1 Finance multiple opportunities to resolve this matter, yet I am still dealing with the same issue. Customers should not have to spend weeks chasing a financial institution just to get access to their own funds.

I would strongly encourage anyone considering M1 Finance to think carefully about how situations like account closures and fund withdrawals may be handled. Based on my personal experience, the lack of timely resolution and communication has seriously damaged my trust in this company.

I am not asking for special treatment. I am asking for the return of my money and a clear explanation of what is happening. Until this matter is resolved, I cannot recommend M1 Finance.
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Improving

Thanks Ii keeps getting better

Nice investment

It easy to invest and auto when you need more time for another work

Solid

Been using M1 for many years. Excellent

User experience

🐞

Reported Bugs

3 issues

Account freezing issues due to bug with holding limits

Bug

Problems with executing orders during trading windows

Bug

Incorrect handling of corporate actions and mergers

Bug
✨

Requested Features

6 requests

Add ability to distribute new deposits evenly among all holdings

Feature

Improve research and data analytics features

Feature

Allow more customization and hiding of unused features

Feature

Add more trading windows during the day

Feature

Implement a dividend reinvestment (DRIP) feature

Feature

Provide option to manually buy/sell individual shares

Feature

FAQ

What does M1: Invest & Bank Smarter do?

This finance app acts as a 'Finance Super App' allowing users to earn, invest, and borrow all in one place. It offers features like a high-yield cash account, tools to build custom investment portfolios with automated rebalancing, and margin borrowing capabilities.

What are the key features for investing?

Key investment features include the ability to build custom portfolios called 'Pies' from over 6,000 stocks and ETFs, choose from curated portfolios, invest long-term with automatic rebalancing and fractional shares, and open various brokerage and retirement accounts like IRAs.

How much does M1: Invest & Bank Smarter cost?

The app is free for clients with over $10,000 on M1, and generally does not charge commissions on trading. However, there may be other fees such as a platform fee, regulatory fees, or account closure fees. Users should refer to M1's Fee Schedule for a complete list.

Is my money safe on M1: Invest & Bank Smarter?

Yes, the app employs bank-level 256-bit encryption and 2-factor authentication for security. Investment accounts are protected by SIPC up to $500,000, and cash balances in the Cash Account are FDIC-insured up to $4.75 million once swept to partner banks.

Who is M1: Invest & Bank Smarter for?

This app is designed for individuals who want to simplify their wealth-building journey. It's suitable for those looking to manage their cash effectively, invest in custom portfolios with automation, and potentially utilize margin for borrowing, all within a single, secure financial platform.