M1: Invest & Bank Smarter

M1: Sophisticated wealth-building, simplified. Meet M1: The Finance Super App®, where you can earn, invest and borrow—all in one place. Join hundreds of thousands of investors who trust us with more than $12 billion in assets. EARN • Optimize cash with our High-Yield Cash Account offering 3.10% APY ^1 • FDIC-insured up to $4.75 million ^2 • No minimum balance INVEST • Build a custom portfolio—called a Pie—from 6,000+ stocks and ETFs • Choose from curated portfolios based on goals and risk tolerance • Invest long-term with automatic rebalancing and fractional shares • Brokerage accounts: Open Individual, Join, Trust, and Custodial accounts • Retirement accounts: Roll over or open a Traditional, Roth or SEP IRA MARGIN • Competitive margin rate: 5.65% ^3 • Borrow up to 50% of your portfolio value • No additional paperwork or credit checks WHY CHOOSE M1? • Advanced automation: Invest with dynamic rebalancing • Ease and control: Manage a complex portfolio without the busy work • Low costs: No commissions on trading^, free for clients with over $10,000 on M1 SECURITY • Bank-level 256-bit encryption • 2-factor authentication • SIPC protection up to $500,000 on Investment Accounts GET STARTED 1. Create your account 2. Build your portfolio or transfer from another brokerage 3. Fund your account and start building long-term wealth M1. Yours to Build.® ^1 Annual Percentage Yield (APY) as of 12/11/25. Rates subject to change. ^2 The cash balance in your Cash Account is eligible for FDIC Insurance once it is swept to our partner banks and out of your brokerage account. Until the cash balance is swept to partner banks, the funds are held in a brokerage account and protected by SIPC insurance. Once funds are swept to a partner bank, they are no longer held in your brokerage account and are not protected by SIPC insurance. FDIC insurance is not provided until the funds participating in the sweep program leave your brokerage account and into the sweep program. FDIC insurance is applied at the customer profile level. Customers are responsible for monitoring their total assets at each of the sweep program banks. ^3 Margin rates are subject to change. See current rates at m1.com/borrow. ^ 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, see M1’s Fee Schedule. 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, and M1 Digital LLC. Investing involves risk, including the risk of loss. M1 Finance LLC is an SEC registered broker-dealer, Member FINRA/SIPC. Borrow rates, terms, and conditions are subject to change and may vary based on credit determination, market conditions and other factors. This is not an offer, sol