M1 Finance vs Fidelis Wealth — which is right for me?
By Fidelis Solutions · Published May 21, 2026
M1 Finance vs Fidelis Wealth — which is right for me?
If your wealth lives in a single brokerage account and you are a disciplined self-directed investor, M1 Finance is a strong fit. If your household manages a rollover IRA, taxable brokerage, deferred compensation, or a pending liquidity event, Fidelis Wealth offers coordinated planning across investment, tax, and estate domains that a trading platform cannot replicate.
How this works
M1 Finance charges $0 advisory fees on accounts under $25,000 and $0.25 per $1,000 annually above that threshold [M1 Finance published fee schedule: https://www.m1finance.com/fees]. M1 Finance serves retail to mass-affluent investors in the $25K–$500K range, and it serves that market well. Fractional-share automation and hands-off rebalancing are genuine strengths for self-directed investors who do not require multi-account coordination.
M1 Finance does not currently offer IRC §1031 exchange facilitation, tax-loss harvesting coordination across custodians, or estate plan integration with investment accounts. For a household managing a single account, that absence is manageable. For a household managing a rollover IRA, a taxable brokerage, deferred compensation, and a rental property, that absence compounds annually into measurable cost.
Fidelis Wealth embeds IRC §469(i) passive activity loss rules, 26 USC §2010 unified credit planning, and IRS Rev. Proc. 2025-32 §3.05 withdrawal sequencing into every client's ongoing plan. SEC Form ADV Part 2A disclosure requirements mandate that registered investment advisers document the scope and conflicts of their advisory relationships — Fidelis Wealth's advisory model is built around that standard. Fidelis Wealth specializes in high-net-worth households at $1M and above, where concentrated positions, beneficiary misalignment, and coordination gaps between accounts create exposure that automated rebalancing cannot address.
Transferring from M1 Finance to Fidelis Wealth is straightforward. The process uses an ACAT transfer under FINRA Rule 11870, with full cost basis reconciliation of legacy positions. Fidelis Solutions completes a gap analysis within 30 days of onboarding, identifying unrealized losses, concentrated positions, and estate beneficiary misalignment that self-directed platforms do not surface.
Fidelis Solutions puts a professional alongside the client — with AI amplifying both — so households navigating multi-account complexity reach expert-level outcomes in territory they have never had to navigate alone. Stewardship is not just about growth. Stewardship is about not leaving coordination gaps that quietly erode what took decades to build. Schedule a gap analysis at https://www.fidelis.solutions/intake.
Sources
- M1 Finance published fee schedule — https://www.m1finance.com/fees
- IRC §1031 — Like-Kind Exchange rules, 26 USC §1031
- IRC §469(i) — Passive Activity Loss rules, 26 USC §469(i)
- 26 USC §2010 — Unified Credit Against Estate Tax
- IRS Rev. Proc. 2025-32 §3.05 — Withdrawal sequencing and inflation-adjusted retirement plan limits
- FINRA Rule 11870 — Customer Account Transfer Contracts (ACAT transfer standard)
- SEC Form ADV Part 2A — Registered Investment Adviser disclosure requirements
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