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M1: AI Wealth Management

M1: AI Wealth Management

Investing, saving & advice

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

Details

Released
September 6, 2016
Updated
November 3, 2026

Features

Developer

M1 Finance LLC
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M1: AI Wealth Management screenshot #1 for iPhone
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M1: AI Wealth Management screenshot #10 for iPhone
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About

This AI-powered financial advisor offers personalized investment, saving, and borrowing advice directly within your accounts. It acts as a registered fiduciary, legally bound to your best interests, and provides on-demand portfolio reviews and custom investment strategies.

✓AI fiduciary financial advisor
✓Personalized investment advice
✓Customizable stock and ETF portfolios
✓Retirement account management
✓High-yield cash accounts
✓Portfolio-based borrowing
✓Performance benchmarking
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What users say about M1

Reviews of M1 are mostly positive: the Finance app is rated 4.7/5 from 75K App Store ratings. What users like most: great update and app, wonderful app to organize accounts. Top complaints: stop pushing users to take on margin debt, buggy and glitchy app. Summarized from real user reviews.

Positive things

  • 🚀Great update and app
  • 🚀Wonderful app to organize accounts
  • 🚀Easiest visual long-term investing app
  • 👍Excellent service and good app
  • 👍Best app for path to financial freedom
  • 👍Best investing platform to date

Negative things

  • 🔍Stop pushing users to take on margin debt
  • 🐛Buggy and glitchy app
  • 🔍Confusing and baffling app
  • 🔍Clunky UX with unclear onboarding
  • 🔍Horrible customer service
  • 💰Transfers take too long
  • 🔍Pie and slice concept not user-friendly
See all reviews
+1

What's New in M1

2026.11.1

November 3, 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

Most RecentHighest RatedLowest Rated

Does not load since update

Fails to load the app since the newest update
GGromessssss

Dr. LIMitless

To me, M1 is the best online investment account. I highly recommend it to everyone.
DLDr. LIMitless

Scammer

This company scammed me and lied about transactions. Do not use. They are not honest and their cover up skills are impressive!
TThgggre

Terrible communication process

I’ve used this platform for a couple of years and my experience was terrible; I have since liquidated my account. What frustrated the me the most about M1 was how difficult it was to connect with a human agent through customer support. Once you were finally connected, the agent only provides one response per business day- even if you responded immediately. It basically takes weeks of back-and-forth communication until your issue is resolved. M1 is not it, there are many other platforms better than this one.
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YYaal01

Do not use

Havent been able to move my money out. Keep trying to link other accounts and it errors out. Scam
NQNot QAnon
See 571 more reviews

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 is M1 Advisor's fiduciary status?

M1 Advisor is a registered fiduciary, meaning it is legally obligated to act in your best financial interest. This ensures that the advice provided is always aligned with your goals and well-being.

How does M1 Advisor personalize advice?

M1 Advisor tailors advice by analyzing your actual account balances, including your portfolio, 401(k), mortgage, and external accounts. It remembers your financial goals to provide relevant recommendations.

Can M1 Advisor help with retirement planning?

Yes, M1 Advisor simplifies retirement planning with support for Traditional IRA, Roth IRA, SEP IRA, and rollovers. It helps you manage these accounts effectively towards your retirement goals.

What types of accounts can I manage with M1 Advisor?

You can invest, save, and borrow all in one place with M1 Advisor. This includes managing custom investment portfolios, high-yield cash accounts, and borrowing against your portfolio.

Does M1 Advisor have ads?

Yes, M1 Advisor contains advertisements. While the app is free to use, users may encounter advertisements within the platform.

What devices does M1 Advisor support?

M1 Advisor is currently supported on iPhone devices. Users can access its financial management features on their iOS smartphones.

How often is M1 Advisor updated?

The latest version of M1 Advisor is 2026.11.1, released on November 3, 2026. Updates are frequent, ensuring the app remains current with features and security.

What is the user sentiment for M1 Advisor?

M1 Advisor generally has a positive overall sentiment, with users praising its organizational capabilities and long-term investing approach. However, some users have noted issues with the app's user experience and customer service.