M1 Launched Free AI Financial Advisor Tool

Clients can now access automated investment advice through a new tool that is free to use through 2027.

Updated on Oct. 7, 2026 in Investing

Bold flat-color editorial illustration showing an abstract golden metallic knot, representing systemic financial pathways. — Financial services firm M1 has launched an AI-powered financial advisor to provide automated investment and debt guidance to its clients through 2027. AI Illustration. Upload story photo >

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Would you trust an AI-only service to provide financial advice for your personal investments?

Financial services firm M1 has introduced an artificial intelligence financial advisor, M1 Advisor, to provide automated guidance on investment, cash, and borrowing accounts for its more than 400,000 clients. The service is available at no cost through 2027.

Why it matters

The platform aims to remove the traditional supply constraints of human-led financial advice by leveraging large language models. This move allows for scaled access to fiduciary-bound guidance for households managing their assets on the M1 platform.

M1 manages 14 billion in total client assets across its platform, with 1.85 billion currently under the management of its registered investment advisory entity. The new AI tool is available to the company's 400,000 clients at no cost until the end of 2027.

The players

An automated investment platform that provides brokerage, cash, and borrowing products to over 400,000 retail clients.

M1 Advisory Services

The SEC-registered investment advisory entity that manages 1.85 billion in assets and oversees the fiduciary AI advisor.

The details

The new advisor functions by connecting to a user's external financial accounts through the data platform Plaid to provide holistic insights. Operating under a fiduciary duty, the system utilizes language models from Google, OpenAI, Anthropic, and Amazon to analyze investment, cash, and debt positions. Custody of the assets remains with M1 Finance and Apex Fintech Solutions.

M1 was first launched as an automated platform in 2016.
The firm reported 14 billion in client assets as of September 2026.
M1 Advisor officially launched on October 7, 2026.
The service will be provided free of charge through 2027.

Money Landscape

This launch follows the industry trend of integrating large language models into personal finance tools to scale advisory capabilities. It marks a significant shift toward automated fiduciary services replacing traditional capacity-constrained human advisory models.

If you are an existing client, you may use the free tool to aggregate data from outside accounts to view a consolidated financial picture. Before acting on AI-generated advice, ensure you discuss any significant changes to your long-term investment strategy with a professional advisor.

The takeaway

The move signals a growing reliance on automated systems to provide fiduciary financial guidance at scale. Investors should monitor how their investment accounts perform under AI-assisted management and maintain a record of any guidance provided to review during meetings with human professionals.