This guide covers common questions for using M1 Advisor.
How do I access M1 Advisor?
You can find it as follows:
Web: Select M1 Advisor from the top of the left-side navigation.
Mobile: Select the M1 Advisor icon in the bottom-right corner next to the tab bar.
How is my data shared with M1 Advisor?
Your personal info is not shared with M1 Advisor. Your account data (such as M1 Invest balances) is only used after explicitly opting in to using M1 Advisor and only retrieved when asking a question where in the data is deemed relevant. Your data is not used to train third-party AI models.
How does M1 Advisor work?
M1 Advisor is our AI-powered advisory system that generates personalized investment recommendations based on your individual financial profile. When you opted into advisory services, you provided information about your risk tolerance, risk capacity, investment objectives, and financial situation. M1 Advisor uses all of that information to generate recommendations tailored to you.
It considers your complete picture — including any information you've shared about accounts or assets held outside M1. Recommendations are limited to investments available on the M1 platform. The system also responds to material changes, like if you update your financial profile or there's a significant market event.
What are the limitations of M1 Advisor?
M1 Advisor was built to help answer your personal finance questions but does have limitations. M1 Advisor...
Cannot perform account activity on your behalf
Cannot predict future market performance or guarantee returns
Does not have access to real-time market data, non-public, or proprietary information
How do I cancel my M1 Advisor relationship?
In order to cancel your M1 Advisor relationship, you'll need to contact M1’s Client Success team and request to close it. Please login and click “Help” in the lower left corner on Web or tap "Client Support" on Mobile to connect with our Client Success team.
A few things to note:
Once your relationship status is "Closed," you will no longer be able to chat with M1 Advisor.
Instead, you'll see the onboarding flow again the next time you access M1 Advisor.
You can sign up for M1 Advisor again at any time.
What's the Advisory Fee?
M1 Advisor is currently offered at no advisory fee and will remain free for M1 clients through December 31, 2027.
If the firm introduces an advisory fee in the future, you'll receive a 30 day written notice and an updated advisory agreement before any fee takes effect. You'll have the opportunity to review the new terms and decide whether to continue advisory services.
What's the difference between M1 brokerage accounts and advisory services?
Brokerage accounts at M1 Finance are where your investments are held and trades are executed. M1 Finance acts as your broker-dealer — it executes trades you instruct, holds your securities, and provides custody services. In a brokerage relationship, you make your own investment decisions.
When you opt into advisory services through M1 Advisory, you additionally receive personalized investment recommendations from M1 Advisor based on your financial profile. M1 Advisory has a fiduciary duty to act in your best interest when providing these recommendations. However, it remains non-discretionary — you still make all final decisions and instruct all trades yourself.
Both services are provided through the same M1 Platform, and your brokerage account is the same account. Advisory services add the recommendation layer on top.
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
This content was generated using artificial intelligence and is intended for informational and educational purposes only. While reasonable efforts are made to ensure accuracy, AI-generated outputs may omit key context; and should not be construed as financial, investment, legal, or tax advice. Users should independently verify all information and consult a qualified professional before making any financial decisions.
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