M1 RETIREMENT ACCOUNTS

Ready to roll over your retirement account?

M1 makes it easy. You can consolidate old accounts, automate your contributions, and manage your retirement savings under one roof.

Open an IRA

Avoid management fees

Employer-sponsored accounts often charge fees that can eat into your earnings. M1 puts you in charge, so there are no management or commission fees.

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Invest your way

Build your ideal retirement portfolio from over 6,000 stocks, funds and ETFs. Keep it simple with a pre-built Pie or completely customize your approach.

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Automate your contributions

Set up auto-invest, then let M1’s dynamic rebalancing intelligently invest toward a balanced portfolio.

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See the big picture

M1 makes it simple to monitor performance, make changes, and build wealth your way.

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What is a rollover?

It’s common to collect employer-sponsored retirement accounts over the course of a career, such as a 401(k) or 403(b). You can roll over these accounts into an M1 IRA anytime, without penalty.

A rollover is not your only option. Consider your personal financial situation and what’s right for you. You may want to consult a tax professional to discuss your options.

Direct vs. indirect rollovers

There are two options for transferring retirement funds. You can have your provider mail a check with your retirement funds directly to M1—called a direct rollover. Or you can have your provider send your retirement funds to you, then transfer that to M1 (known as an indirect rollover).

See how

Roll over in 3 steps

Open an IRA

Open an M1 IRA

You’ll need your new account number to initiate a rollover.

Initiate your rollover

Have your account provider write a check payable to Apex Clearing with your name and new M1 IRA account number printed in the memo line.

Make the check payable to:
Apex Clearing FBO [Your Name]

The mailing address for Apex Clearing is:
Apex Clearing c/o BPO
350 North St. Paul Street #1300
Dallas, TX 75201

Start investing

Once your transfer is complete, you can customize your portfolio and automate your retirement investing.

Your rollover questions, answered

Go to Help Center

Once you’ve initiated your rollover, it can take up to 2 weeks for your retirement funds to land in your new M1 account.

M1 won’t charge you any fees to rollover your retirement account(s). However, most plans charge an outgoing fee.

There is a $500 minimum initial balance requirement for M1 retirement accounts.

You can roll over any type of employer-sponsored retirement plan, including:

  • 401(k) plans
  • 403(b) plans 
  • 457 plans 

No. Your assets will be liquidated and mailed as a check to M1 when you roll over into an M1 IRA. Once your funds clear, you will be able to invest them as you see fit.

Yes. During the direct rollover process at M1, your provider will mail a check directly to M1’s clearing firm (Apex Clearing FBO).

Ready to start your rollover?
Open an IRA
Long-term investing interface on M1


M1 does not provide investment advice, and this is not an offer or 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. M1 is not recommending or endorsing this investment by making it available to its customers. Be sure to consider all your available options and the applicable fees and features of each before moving your retirement assets. A rollover is only one of your options for your retirement account, please see IRS guidance about rollovers for additional details/considerations.


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