M1

We are a fintech company and personal finance platform founded in 2015. We created a “Finance Super App™” to help you manage money and grow wealth by providing tools for investing, borrowing, spending, and saving.

Our products include high-yield cash accounts (currently 3.10% APY), automated investing strategies, and paperwork-free margin loans. You can borrow up to 50% of your portfolio’s value at 5.65% with at least $2,000 invested. We also offer low-cost personal loans and high cash-back credit card rewards that can be automatically reinvested.

Our investing features automate investing and rebalancing. For example, the system automatically buys underweight holdings first to balance your portfolio over time. As of September 2025, we report over $12 billion in client assets and more than 1,000,000 users.

Client accounts are protected by SIPC for securities up to $500,000. Cash accounts are FDIC-insured up to an aggregate total of $4.75 million once swept to partner banks. We also use information security technology to protect private data.

Our mission is to help people achieve financial well-being. We focus on helping our clients manage money and grow wealth according to their preferences. Our tagline is “Build and Manage Your Wealth,” and our mantra is “Sophisticated wealth building, simplified.”

Our core beliefs:

• Financial goals are personal, so we believe you should have choice, control, and transparency, including selecting stocks and ETFs and moving money among M1 accounts.
• With the right mindset, approach, and tools, you can achieve your financial goals independently.
• Wealth building is a long-term endeavor. We emphasize buying, regularly investing in, and holding a diverse set of investments over time, rather than day trading or speculating.
• Finance, like fitness, requires a plan and diligence for lasting change.

Our values, how we do it, include:

• Mission driven: We are passionate about helping people achieve financial well-being.
• Extreme ownership: We take responsibility for our results to clients, teammates, and shareholders.
• Boldness: We think big and aim to take on meaningful challenges.
• Ruthless prioritization: We use our resources with discipline by focusing on the most important tasks.
• Integrity: We earn and maintain trust by prioritizing our clients’ interests.

We grew significantly between 2020 and 2021, expanding our team from 82 to 236 employees. We are committed to diversity, equity, and inclusion (DEI), and encourage women, minorities, veterans, members of the LGBTQIA+ community, and individuals with disabilities to apply for positions.

We were named a Top Workplace by the Chicago Tribune and one of Built In’s Best Places to Work in Chicago in 2022 and 2023. We foster a strong work culture with transparent and open communication, driven by our core values.

We offer a range of employee benefits, including competitive salary and stock options, unlimited Paid Time Off (PTO), and comprehensive health, dental, vision, disability, and life insurance. We also provide a retirement benefit with an employer match.

Our Chicago office in the Loop includes a game room and gym.