M1: Invest & Bank Smarter

It started out kinda bumpy but got things fairly sorted out and lately it seems to be working except, it recently started opening to a blank screen - white box absent content. Running on iPad Pro 12.9” that’s up to date. Rebooting iPad may or may not resolve the problem as it reoccurs for no apparent reason. This is somewhat troubling for a finance application - there is no update available on the App Store. I like the app except its kinda clumsy and GUI needs improvements. Also, recently tried linking DivTracker Ultimate with Auto Portfolio import using Plaid that goes well up until Plaid gets to the linked institutional account but then craps out with an error report that the login is all correct but it can’t find the right kind of accounts for the application which is kinda curious because they are the same ones that both Robinhood and M1 were used for setup and operational for authentication and funds transfers so it’s clearly not an institutional side problem vs Plaid, M1 or DivTracker… though DivTracker works. After all the glowing app reviews it’s disappointing to suddenly have undocumented “features” dropping like a pesky fly in the ointment.

M1 is awesome! It is by far my favorite investment platform, especially since I don’t want to spend my time day trading. I also really love the checking account I have with them, and I’m excited about the Owners Rewards credit card coming out soon! I highly recommend them. I love the “pies” idea because it aligns with the way I like to think about my investments. But there is a flaw with their implementation of them - that is they’re more than just an organizational tool, and not in a good way. For example, say you have a holding you want to move into a pie (or even into a different pie). To do this, you’re actually supposed to email support to have them pause trading on your account, then you have to sell the holding and re-buy it in the pie you want. Then you have to email support again to resume trading. You can actually do this without pausing if you turn off auto invest and then wait until the transactions occur, but it’s not perfect because the timing discrepancy there. What’s more is that this also resets the historic data associated with the pies involved. I wish that pies were purely an organizational tool and that your buys and sells would simply respect the current state of your pies. I’m a software engineer and I realize what I’m wishing for is non-trivial from an software perspective, but I think it would make a huge difference for their customers by giving them that extra little bit of control while still maintaining their vision of a long-term investing platform.

This App, is for EVERYONE, that want to learn more about their financial situation and the potential financial situation of our economy. It breaks down everything to an understanding that anyone can comprehend, from a basic checking account to advanced investment strategies to borrowing a little extra cash or a lump sum M1 undoubtedly leaps and bounds above its competitors! I had them all and I was tempted to list them, but that’s a a waste of time and time I could be using on M1 to advance, grow and learn more about my financial options and opportunities. Try M1, just once, and then I invite ANYONE to prove me wrong anywhere about this App’s capability to prove at this high level in which I claim. My passion is real, my wife Emily is a health care worker at NCH (Naples Community Hospital) and she worked on the Covid-19 intake floor and contracted the Covid-19 Virus from one of the other healthcare workers or a patient in that floor, we don’t know? But she’s been sent home from work from NCH (Naples Community Hospital) WITH WHATS CALLED TLP(Temporary Leave Pay) which is almost half of what she was making!!!! And then as soon as her leave is up, she goes back into work, AND GETS FIRED AS A WELCOME BACK GIFT!!! M1 has allowed us to borrow some very much needed cash in this hard time of injustice! Thanks again M1 and you have life long clients!!!!!