M1: Investing & Banking 2024.4.1

M1 is a finance platform that offers a range of features to help you build and manage your wealth effectively. With over $6.5B in assets and the trust of hundreds of thousands of investors, M1 is a reliable choice for your financial needs.

• Invest: M1 provides various account options, including individual, joint, trust, custodial, Traditional, SEP, Roth IRA, and 401(k) rollover accounts. Their intuitive Pies interface allows you to choose stocks and ETFs, and their automated tools handle the buying and selling process for you. You can also benefit from pre-built Expert Pies that align with your values, risk tolerance, retirement plans, and more. Additionally, fractional shares enable you to invest as little as one dollar for increased flexibility. M1 Plus subscribers enjoy exclusive features and perks for just $10 per month after the free three-month trial period.
• Borrow: M1 Margin Loans offer an easy way to borrow against your investments. With rates ranging from 7.25% to 8.75%*, you can access funds in minutes for increased liquidity without selling off your securities.
• The Owner's Rewards Card: Earn cash back with the Owner's Rewards Card and choose whether to reinvest it or use it as you wish. Standard rewards are set at 1.5%, but M1 Plus subscribers can earn anywhere from 1.5% to 10%.
• Crypto: M1 now allows you to invest in cryptocurrencies such as BTC and ETH. You can easily incorporate crypto into your long-term investing strategy by automating investments in custom pies, all without any commission fees.

Account protection is important, and M1 Finance takes it seriously. As a member of SIPC, your securities are protected up to $500,000. Additionally, all M1 High-Yield Savings Account deposits are FDIC insured up to $5 million.

For more details on fees and disclosures, refer to the M1 Fee Schedule and disclosures.

M1 Holdings Inc. and its affiliates comprise M1, a technology company offering a wide range of financial products and services. These include M1 Finance LLC and M1 Spend LLC, which are wholly-owned operating subsidiaries of M1 Holdings Inc.

Opening an account with M1 requires you to be 18 years old or older and a resident of the United States. M1 Plus is an annual membership that provides benefits for products and services offered by M1 Finance LLC and M1 Spend LLC.

Please note that brokerage products and services offered by M1 Finance LLC are not FDIC insured, not bank guaranteed, and may lose value. Additionally, M1 is not a bank; it is a technology company. M1 Spend is a wholly-owned operating subsidiary of M1 Holdings Inc., and its High-Yield Savings Accounts are provided by B2 Bank, NA, Member FDIC.

The Owner's Rewards Card by M1, powered by Deserve and issued by Celtic Bank, is not available for US Territory Residents. For more information about the card, please review the Cardholder Agreement and Rewards Terms.

Lastly, all product and company names mentioned in this review are trademarks™ or registered® trademarks of their respective owners. Their use does not imply any affiliation with or endorsement by them.

© 2023 M1 Holdings Inc.

App distributed by: M1 Finance LLC; 200 N LaSalle St., Ste. 800; Chicago, IL 60601; United States