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Updated September 24, 2026. Quick answer: M1 Finance does not impose a minimum account size for M1 Advisory. Its own Form ADV Part 2A brochure states directly that the Firm does not impose a minimum account size or minimum investment amount.
The minimum, in the firm’s own words
“The Firm does not impose a minimum account size or minimum investment amount.”
Minimum investment and what it would cost
| Program | Minimum investment | Annual fee at that minimum | Waivable? |
|---|---|---|---|
| M1 Advisory (M1 Advisor) | None; no minimum account size | Varies with account size | N/A (no minimum is imposed) |
| Source: Form ADV Part 2A Brochure, July 8, 2026 | |||
M1 Finance’s own fee schedule at other balances
| Account balance | Annual fee |
|---|---|
| $250,000 | $500 |
| $500,000 | $1,000 |
| $1,000,000 | $2,000 |
| $2,000,000 | $4,000 |
What else to know
M1 Finance does not impose a minimum account size for its advisory service, M1 Advisory (M1 Advisor).
What a larger account would cost
The minimum is only the entry point. On a $500,000 account, M1 Finance’s own published fee schedule runs $1,000 a year; see the full dollar breakdown from M1 Finance’s own fee disclosure across several account sizes. It is also worth knowing whether M1 Finance is a fiduciary before you decide.
Already a client and thinking about the minimum a different way, like whether you could get a better deal elsewhere? Read the general mechanics of switching financial advisors, or use a dated termination letter once you decide.
Compare your next step
Just comparing fees? Keep reading the fee guide.Optional next step
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Source: WiserAdvisor’s service descriptionSources
- Form ADV Part 2A Brochure (July 8, 2026): https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1051160
- SEC Investment Adviser Public Disclosure, M1 Advisory Services LLC (CRD #249787): https://adviserinfo.sec.gov/firm/summary/249787
- M1 Advisory Services LLC, SEC Form ADV filing: https://reports.adviserinfo.sec.gov/reports/ADV/249787/PDF/249787.pdf
Methodology. This page was built September 24, 2026, quoting directly from M1 Finance’s own current Form ADV Part 2A / wrap-fee brochure, with the source linked above. The annual-fee-at-the-minimum figure applies that same brochure’s own published fee schedule to the disclosed minimum dollar amount; any distinction we could not independently confirm this session is named as an honest gap rather than presented as verified. Nothing here is personalized financial, tax, legal, or investment advice, and it is not a substitute for reading the firm’s own Form ADV Part 2A. See our Editorial Policy, Corrections, Affiliate Disclosure, and Disclaimer.
Weighing whether to move ahead? Read the full M1 Finance review, including its fiduciary status and what it costs to leave.
How much do you need to open an account? Compare the minimum investment at 128 advisory firms, each taken from the firm’s own Form ADV Part 2A brochure.
Already with M1 Finance and weighing a move? How to leave M1 Finance covers what it costs to transfer out.