M1 is a comprehensive finance platform that automates long-term investing and wealth building through intelligent technology. The platform eliminates traditional busy work by executing trades during scheduled windows and using proprietary automation to manage portfolio allocations. Users can build customizable portfolios represented as visual Pies, where holdings are shown as Slices with target percentage allocations. The system intelligently queues trades to buy underweight holdings first, maintaining portfolio balance over time without manual intervention.

The platform offers flexible account types including individual and joint taxable brokerage accounts, traditional and Roth IRAs, SEP IRAs, custodial accounts, trust accounts, and cryptocurrency accounts through Bakkt. Users can invest commission-free in stocks and ETFs with automated dividend reinvestment options. The system provides performance benchmarking tools that allow comparison of portfolio returns against custom benchmarks, other stocks, ETFs, and Pies. Dynamic rebalancing functionality enables users to return portfolios to target allocations with a single click.

M1 provides high-yield cash accounts earning competitive APY on uninvested funds, with deposits FDIC-insured up to an aggregate total of four point seven five million dollars through partner banks. The platform integrates margin lending, allowing eligible users to borrow up to fifty percent of their portfolio value at competitive rates for investing or other purposes. Margin loans are available on accounts with at least two thousand dollars in eligible securities. The platform protects brokerage accounts through SIPC membership with securities protected up to five hundred thousand dollars. All financial data is secured with current information security technology.