client photo

My favorite thing about M1 is the Pie: it’s very easy to see an overview of my entire portfolio.

– Joy W.

Testimonials may not be representative of the experience of other customers. Not a guarantee of future performance or success.

Why set up an IRA or Roth IRA with M1?


Develop the retirement strategy that’s right for you, and implement it with our easy-to-use tools.


Choose the stocks and ETFs you want to invest in, or start with one of 80+ Expert Pies.


Diversify with fractional shares and automate your contributions so you can invest in your future without the hassle.


Goodbye confusing costs and hidden fees. info icon


Choose from Traditional, Roth, or SEP IRAs.

Help your savings grow

Set an investing schedule to automate your contributions and ensure you’re always working to build wealth in the background.

We’ll keep your portfolio balanced with Dynamic Rebalancing, so you can sit back, relax, and let your money do the work for you.

Move your retirement savings under one roof

Consolidate your retirement accounts to M1 to get a closer view of your full financial picture.

Do you have an old 401(k) you need to roll over? How about other IRAs that you want to bring under the M1 roof?

Start your transfer to M1 today. We’ll guide you through the whole process and make the transfer as seamless as we can.

Christopher P

I’ve tried so many banks, brokers, financial products…I am exhausted. M1 is way ahead of the competitors.

– Christopher P.

Testimonials may not be representative of the experience of other customers. Not a guarantee of future performance or success.

Your questions answered

There are no management fees on your M1 IRA account and no trading commissions. A $100 fee is applied if you close your IRA, and there is a $100 fee for outgoing account transfers. Learn more here.

M1 supports Traditional, Roth, and SEP IRAs.

Total control, total automation
for your wealth today and tomorrow.

For your wealth today and tomorrow.

M1 Finance App

Check the background of M1 Finance LLC on FINRA's BrokerCheck

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 refers to M1 Holdings Inc., and its affiliates. M1 Holdings is a technology company offering a range of financial products and services through its wholly-owned, separate but affiliated operating subsidiaries, M1 Finance LLC and M1 Spend LLC.

M1 Plus is an annual membership that confers benefits for products and services offered by M1 Finance LLC and M1 Spend LLC.

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 learn more 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 is not a bank. M1 Spend checking accounts furnished by Lincoln Savings Bank, Member FDIC. M1 Visa® Debit Card is issued by Lincoln Savings Bank, Member FDIC.

Credit Card not available for US Territory Residents. Review Cardholder Agreement and Rewards Terms for important information about the Owner’s Rewards Card by M1. The Owner’s Rewards Card by M1 is Powered by Deserve and issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC.

All product and company names are trademarks™ or registered® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.

App Store is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC.

200 N LaSalle St., Ste. 800 Chicago, IL 60601

© Copyright 2022 M1 Holdings Inc.