# M1: AI Wealth Management — AI financial advisor built in > Finance super app for earning, investing, and borrowing with automated portfolio management. (iPhone/iPad app by M1 Finance LLC.) - Source: https://appshunter.io/ios/app/m1-ai-wealth-management/id1071915644 (this page in markdown: same URL + `.md`) - Developer: [M1 Finance LLC](https://appshunter.io/developer/1071915643) - Category: Finance - Price: Free - Rating: 4.70/5 from 75,043 App Store ratings · 567 written reviews indexed - Age rating: 4+ - Requires: iOS 17.0 · 222 MB - Languages: American English - Released: 2016-09-06 - Data updated: 2026-10-19 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/m1-ai-wealth-management/id1071915644/reviews.md ## What is M1? Advice that lives where your money does. When it comes to building wealth, you don’t have to go at it alone. Meet M1 Advisor, a registered fiduciary AI financial advisor built directly into the accounts it advises on. It sees your actual balances, remembers your goals, and tailors advice to you. A robo-advisor allocates a portfolio. A human advisor may give you a meeting once a year. M1 Advisor conducts portfolio reviews on-demand. Make investing decisions, research stocks, analyze performance, and plan for your future with a wealth-management partner that acts in your best interest by law. Fiduciary advice, automation, wealth management tools • As a registered fiduciary, M1 Advisor is legally required to act in your best interest • Advice is personalized to you: your portfolio, 401(k), mortgage, outside accounts • Get answers a robo-advisor can't give you: Pay down the mortgage or max the IRA • Invest, save, and borrow in one place • Build custom Pies of stocks and ETFs; automated investing keeps them on target • Retirement made simple: Traditional IRA, Roth IRA, SEP IRA, and rollovers • High-yield cash accounts to keep uninvested dollars earning • Borrow against your portfolio with built-in margin • Benchmark performance with interactive charting • Identify hidden concentration risks in your portfolio ## Key features - High-Yield Cash Account - Customizable Investment Portfolios (Pies) - Automatic Rebalancing - Fractional Shares - Margin Borrowing - Retirement Accounts (IRA) ## What do users think of 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. **Pros** - 🚀 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 **Cons** - 🔍 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 **Commonly reported bugs** - Account freezing issues due to bug with holding limits - Problems with executing orders during trading windows - Incorrect handling of corporate actions and mergers **Most requested features** - Add ability to distribute new deposits evenly among all holdings - Improve research and data analytics features - Allow more customization and hiding of unused features - Add more trading windows during the day - Implement a dividend reinvestment (DRIP) feature - Provide option to manually buy/sell individual shares ## Is M1 safe? M1: AI Wealth Management appears safe based on user ratings. The AppsHunter Safety Score for M1 is 94 out of 100. This assessment is based on 75,043 user ratings, with an App Store average of 4.7 out of 5. Of 75,043 App Store ratings, 92.6% point to a safe experience, 2.3% suggest some concerns, and 5.1% point to a risky experience. ## Is M1 legit? M1: AI Wealth Management appears to be a legitimate app. The AppsHunter Legitimacy Score for M1 is 93 out of 100 points across 7 verification signals from App Store and developer data. ## Recent user reviews (10 of 567) All indexed reviews: https://appshunter.io/ios/app/m1-ai-wealth-management/id1071915644/reviews.md ### 4/5 — Good for investors *2026-10-17, version 2026.10.2* It’s really good. Next,I wonder if we’ll be able to place our trades in real time. ### 5/5 — Easy to Set Up *2026-10-15, version 2026.10.2* 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. ### 1/5 — Account closed without a notice *2026-10-15, version 2026.10.1* – 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. ### 4/5 — Improving *2026-10-13, version 2026.10.2* Thanks Ii keeps getting better ### 5/5 — Nice investment *2026-10-11, version 2026.10.1* It easy to invest and auto when you need more time for another work ### 5/5 — Solid *2026-10-11, version 2026.10.1* Been using M1 for many years. Excellent ### 1/5 — Nothing works including support *2026-10-10, version 2026.10.1* Their system doesn’t work didn’t get my promotional bonus and when you tried to send an email to support it won’t send ### 1/5 — No contacts *2026-10-05, version 2026.9.4* I’ve tried and tried to contact people messages emails not happy with what’s going on with M1 ### 3/5 — They removed international stocks *2026-10-05, version 2026.9.4* They’ve limited the product to only local companies There’s no limit buys, causing buys at price where they take advantage of arbitrage and the price margins during trading windows but customers don’t see the benefit of the price differential UI is best on mobile experience They’ve started charging fees, this wasn’t the case the past few years. There was no official communication, it’s time for a new market entrant to take over my account. ### 5/5 — So much fun! *2026-10-02, version 2026.9.4* This app is so easy to use! It makes it fun to see your money working for you rather than just sitting in some low interest account. I recommend it to anyone who will listen. ## Frequently asked questions about M1 ### 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. ## Version history (last 5 releases) ### 2026.10.2 — 2026-10-13 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 ### 2026.10.1 — 2026-10-06 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 ### 2026.9.5 — 2026-09-30 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 ### 2026.9.4 — 2026-09-22 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 ### 2026.9.3 — 2026-09-15 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 ## Apps similar to M1 | App | Rating | Price | Category | | --- | --- | --- | --- | | [Fundrise: Invest in Alts](https://appshunter.io/ios/app/fundrise-invest-in-alts/id1435387568) | 4.8 (37,979) | Free | Finance | | [Stash: Investing made easy](https://appshunter.io/ios/app/stash-investing-made-easy/id1017148055) | 4.7 (311,437) | Free | Finance | | [Public: Invest & Trade](https://appshunter.io/ios/app/public-invest-and-trade/id1204112719) | 4.7 (85,497) | Free | Finance | | [Wealthfront: Save and Invest](https://appshunter.io/ios/app/wealthfront-save-and-invest/id816020992) | 4.8 (17,502) | Free | Finance | | [Marcus by Goldman Sachs®](https://appshunter.io/ios/app/marcus-by-goldman-sachs/id1489511701) | 4.9 (272,156) | Free | Finance | | [Seeking Alpha: News & Analysis](https://appshunter.io/ios/app/seeking-alpha-news-and-analysis/id552799694) | 4.8 (125,924) | Free | Finance | ## Related topics [m1 finance](https://appshunter.io/ios/topics/m1-finance) · [mfinance](https://appshunter.io/ios/topics/mfinance) · [models portfolio manager](https://appshunter.io/ios/topics/models-portfolio-manager) · [paterson wealth](https://appshunter.io/ios/topics/paterson-wealth) · [iifl wealth lt](https://appshunter.io/ios/topics/iifl-wealth-lt) · [atticus wealth management](https://appshunter.io/ios/topics/atticus-wealth-management) · [ckredence wealth](https://appshunter.io/ios/topics/ckredence-wealth) · [capwealth](https://appshunter.io/ios/topics/capwealth) · [halbert hargrove](https://appshunter.io/ios/topics/halbert-hargrove) · [morton brown family wealth](https://appshunter.io/ios/topics/morton-brown-family-wealth) · [1fs wealth](https://appshunter.io/ios/topics/1fs-wealth) · [portfolio management institute](https://appshunter.io/ios/topics/portfolio-management-institute) · [pininvest portfolio management](https://appshunter.io/ios/topics/pininvest-portfolio-management) · [wealth builders broking](https://appshunter.io/ios/topics/wealth-builders-broking) · [aquinas wealth](https://appshunter.io/ios/topics/aquinas-wealth) · [fiduciary financial advisors](https://appshunter.io/ios/topics/fiduciary-financial-advisors) · [investment calculator with ai](https://appshunter.io/ios/topics/investment-calculator-with-ai) · [octavia wealth advisors](https://appshunter.io/ios/topics/octavia-wealth-advisors) · [arista wealth](https://appshunter.io/ios/topics/arista-wealth) · [bmo wealth management iol](https://appshunter.io/ios/topics/bmo-wealth-management-iol) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-10-19.*