M1 ADVISOR

M1 Advisor, your fiduciary AI financial advisor

M1 Advisor is an AI financial advisor that gives you fiduciary advice on your accounts in M1: your brokerage, retirement, savings, and borrowing. It does the analysis for you, then gives you advice based on your actual numbers, risk tolerance, and goals. And because it’s provided by an SEC-registered investment adviser, it’s legally required to act in your best interest. Try M1 Advisor for free.*

Try M1 Advisor

Why should I try M1 Advisor?

Full-context answers

Get advice alongside your accounts. M1 Advisor sees your investment portfolio, savings, cash, and borrowing on M1, plus any other accounts you connect.

A legal duty to you

M1 Advisor is a fiduciary, held to a legal duty to put your best interest first. Advice is provided by M1 Advisory, an SEC-registered investment adviser.

Advice on demand

Available 24/7, M1 Advisor is there whenever a financial question comes to you, so you don’t have to make decisions alone.

How does M1 Advisor work?

M1 Advisor works from inside M1, the platform that holds your money. A short questionnaire gives it insights about your risk tolerance and investing habits. From there, it reads your actual balances and positions and stays up to date as they change. You can securely connect your 401(k), IRAs, mortgage, and loans, so M1 Advisor can see the whole picture. The more of your balance sheet it can see, the sharper the advice becomes.

  • Is M1 Advisor a robo-advisor?
    No. M1 Advisor does not sort you into a model portfolio or a risk category. Its guidance comes from your actual numbers and the details you share, and it adjusts when you add context or push back during the conversation.
  • Can M1 Advisor see across all my accounts at once?
    Yes. It reads your M1 accounts together with anything you connect, so it can answer questions about overlap, concentration, and totals across the whole picture.
  • Can M1 Advisor see my 401(k)?
    Yes, once you connect it. M1 Advisor factors outside assets and liabilities into its advice alongside your M1 accounts.
  • Does M1 Advisor remember what I told it?
    Yes. Goals, constraints, and past decisions carry across conversations. You can save, edit, or delete those memories, or turn memory off.
  • Can it factor in accounts I hold elsewhere?
    Yes. M1 Advisor can see any accounts connected via Plaid. It can factor these accounts into the holistic advice it gives you, but it can’t currently advise you on specific holdings inside those accounts.

What goes into M1 Advisor’s answers?

  • Knowledge curated by M1
    M1 Advisor accesses a proprietary library of financial topics, built and updated by M1.
  • Your accounts and balance sheet
    Securely accessible via your M1 login, connected to and informed by your existing accounts.
  • RIA and SEC frameworks
    M1 Advisor’s advice is built to meet the standards regulated advisers are held to.
  • Logic behind each answer
    Ask M1 Advisor to explain any recommendation, and it shows its reasoning. Ask follow-ups until you are satisfied.

How can M1 Advisor help me?

Bring the plans you’ve been thinking about and see how they fit into your financial strategy. When you ask a question, M1 Advisor considers your risk tolerance, your outside accounts, your investment style, your short- and long-term goals. Then it gives you an answer that’s personalized to your specific financial picture.

M1 Advisor is asked questions such as "Am I beating the S&P 500?" for illustrative purposes

For illustrative purposes only.

What makes M1 Advisor different? 

M1 Advisor

Traditional advisor

General-purpose AI

Robo-advisor

Legally required to act in your best interest

Yes

Yes, if a registered investment adviser

No

Typically yes

Answers questions 24/7

Yes

No

Yes

Typically no

Sees your accounts and full balance sheet

Yes

Only what you share

No

Portfolio only

Guidance built from your own numbers

Yes

Yes

No

A model portfolio from a questionnaire

Cost

Free for M1 clients*

Typically around 1% of assets per year, with account minimums

Varies

Typically a percentage of assets per year

Why should I trust M1 Advisor?

  • Acts in your best interest, by law
    M1 Advisor is held to a fiduciary standard, just like a human advisor. It’s legally required to put your interests first.
  • Your data stays yours
    M1 uses bank-level security to protect your information. Your financial data isn’t used to train AI models, including third-party models. You can save, edit, or delete memories, or turn memory off.
  • One firm stands behind the advice
    M1 Advisory Services, LLC is the SEC-registered investment adviser responsible for the advice M1 Advisor gives.
  • You’re in control of your money
    M1 Advisor won’t take action in your accounts. It answers questions and gives advice. It can’t buy, sell, or move anything.
  • Member SIPC
    Securities in your M1 Finance LLC brokerage account are protected up to $500,000. For details, see www.sipc.org.
  • Backed by an established financial institution
    More than 400,000 clients hold over $14 billion on M1 as of September 2026.

Try M1 Advisor for free*

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Your M1 Advisor questions, answered

Go to Help Center

M1 Advisor is an AI financial advisor built into the M1 platform. It gives personalized advice based on your actual accounts and goals, and it operates under M1 Advisory Services, LLC, an SEC-registered investment adviser held to the fiduciary standard.

No.

Yes. M1 Advisor is available in the M1 app on iOS and Android, and on web. It is the same tool in each place, working from the same accounts and the same memory.

First, you’ll need to open an M1 Invest account. To activate M1 Advisor, you’ll go through a short questionnaire and accept the terms. You will not be enrolled automatically.

M1 Advisor is a free advisory service for M1 clients. Enrollment is opt-in. You will never be enrolled or charged automatically. If pricing ever changes, you’ll get at least 30 days’ written notice, and you can cancel the advisory agreement anytime with no penalty by contacting support. You need an open M1 brokerage account to use it. Additional fees may apply; see M1’s fee schedule for details.

Yes. M1 Advisory Services, LLC is registered with the SEC as an investment adviser (Firm #249787). That registration carries a fiduciary duty under the Investment Advisers Act of 1940: a legal obligation to act in your best interest, disclose conflicts of interest, and never put M1’s interests ahead of yours. That standard applies to the guidance you receive through M1 Advisor.

Yes. Ask it how your return compares to the S&P 500, where your holdings overlap, whether you are concentrated in one sector, or what you earned in dividends, and it answers knowing your actual positions and performance.

A human advisor may require account minimums and charge around 1%. M1 Advisor is available whenever you have a question with the same fiduciary duty. It won’t make any changes to your portfolio, but it will walk you through the recommendations and how to act on them if you choose. The final decision is always yours.

General-purpose AI tools can discuss financial topics, but they usually aren’t registered investment advisers, so they have no legal obligation to act in your best interest and no visibility into your actual accounts. M1 Advisor operates under M1 Advisory Services, LLC, an SEC-registered investment adviser, which means the guidance it gives carries a fiduciary duty. And because it’s built into the M1 platform, advice is based on your real accounts and numbers.

A robo-advisor typically assigns you a model portfolio from a risk questionnaire and manages it automatically. M1 Advisor also starts with a risk questionnaire to give it more context into your investing mindset, but it doesn’t sort you into a risk bucket or choose your portfolio for you. Its advice is built from your own numbers and the details you share, so two clients with similar accounts can get different guidance depending on what they tell it. Instead of managing your money, it’s a partner, available 24/7, you can tap for advice while managing your own portfolio. Ask about the financial decisions you’re weighing, and it answers using your real accounts. It can help you plan, flag risks, and point you to the relevant action inside M1, but it won’t take action in your account.

M1 Advisor is legally required to act in your best interest, and you can ask it to show the data and reasoning behind any answer. It also does not make decisions for you. It gives you the information you need to make decisions yourself.

Yes. You can connect external assets and liabilities, such as a 401(k), IRA, mortgage, or loan, and M1 Advisor factors them into its advice alongside your M1 accounts. Connecting more of your balance sheet gives it more context to work from. M1 Advisor can give you insights on your external accounts. It uses external accounts for holistic financial advice.

M1 Advisory Services, LLC, an SEC-registered investment adviser, is responsible for the advice M1 Advisor gives and carries the fiduciary duty behind it. 

No. M1 Advisor is an AI-powered advisor inside the M1 platform, not a human one.

M1 uses bank-level security to protect your information. M1 Advisor sees all your accounts within M1, plus any external accounts you choose to connect. You can save, edit, and delete the memories it uses, or turn memory off entirely. Your financial data isn’t used to train AI models, including third-party models. 

No. M1 Advisor does not have execution capabilities. It can answer questions and give advice, but it can’t take any action in your accounts. Every move is yours to make.

Yes. Tell it when you want to retire and it works from your actual balances and contributions. It explains the reasoning behind any answer, and it will not make changes to your accounts.

The advice sharpens with context. Share your goals and constraints, connect your external accounts, and ask situational questions rather than general ones: “I’m getting equity that vests next year. What do I do with it?” beats “How’s my portfolio?” The more specific your situation, the more specific the guidance.

M1 is for long-term investors looking for an all-in-one personal finance platform. People who think in years and decades, want to delegate the analysis, and keep the final judgment. M1 isn’t a day-trading platform or a place to chase short-term plays. If you want to build wealth over time, you’ll feel at home here.

*Free advisory services for M1 clients. Requires an M1 brokerage account. Other fees may apply, see M1’s fee schedule for details. If pricing changes, you will receive at least 30 days’ written notice, and you can cancel anytime without penalty.

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By using this website, you accept our Terms of Use and Privacy Policy and acknowledge receipt of all disclosures in our Disclosure Library. All agreements are available in our Agreement Library. M1 relies on information from various sources believed to be reliable, including clients and third parties, but cannot guarantee the accuracy and completeness of that information.

M1 is a technology company offering a range of financial products and services. “M1” refers to M1 Holdings Inc., and its wholly-owned, separate affiliates M1 Finance LLC, M1 Spend LLC, M1 Digital LLC, and M1 Advisory Services, LLC.

Advisory products and services are offered by M1 Advisory Services, LLC, an investment adviser registered with the U.S. Securities and Exchange Commission (SEC). Advisory services are distinct from the brokerage products and services offered by M1 Finance LLC. Clients receiving advisory services must also maintain brokerage accounts with M1 Finance LLC, which is a separate legal entity and a Member FINRA/SIPC. For important information about M1 Advisory Services, LLC, including fees, services, and conflicts of interest, please review our Form ADV Part 2A and Form CRS.

All investing involves risk, including the risk of losing the money you invest. Past performance does not guarantee future performance. Using M1 Borrow’s margin account can add to these risks, and you should review our margin account risk disclosure before borrowing. Nothing in this informational site is an offer, solicitation of an offer, or advice to buy or sell any security and you are encouraged to consult your personal investment, legal, or tax advisors.

Brokerage products and services are not FDIC insured, no bank guarantee, and may lose value. Brokerage products and services are offered by M1 Finance LLC, an SEC registered broker-dealer, Member FINRA / SIPC.

M1 Finance, LLC does not charge commission, trading, or management fees for self-directed brokerage accounts. You may still be charged other fees such as M1’s platform fee, regulatory fees, account closure fees, or ADR fees. For a complete list of fees M1 may charge visit M1’s Fee Schedule.

M1 is not a bank. M1 High-Yield Savings Accounts and Personal Loans are furnished by B2 Bank NA, Member FDIC and Equal Opportunity Lender, and serviced by M1 Spend LLC, a wholly-owned operating subsidiary of M1 Holdings, Inc.

M1 High-Yield Cash Account(s) is an investment product offered by M1 Finance, LLC, an SEC registered broker-dealer, Member  FINRA / SIPC. M1 is not a bank and M1 High-Yield Cash Accounts are not a checking or savings account. The purpose of this account is to invest in securities, and an open M1 Investment account is required to participate in the M1 High-Yield Cash Account. All investing involves risk, including the risk of losing the money you invest.

The Owner’s Rewards Card by M1 is no longer accepting new applications. Review Cardholder Agreement for important information about the Owner’s Rewards Card by M1. The Owner’s Rewards Card by M1 is serviced by M1 Spend LLC, on behalf of M1 Credit Receivables LLC.


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