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U.S. buy-and-hold investors · automated portfolio allocation · fractional-share stock and ETF portfolios

Evidence supports Fidelity as a U.S.-focused, highly regulated multi-asset broker for stocks, ETFs, mutual funds, bonds/CDs, options, cash management, managed portfolios, and sepa…

SEC registered broker-dealer; Member FINRA / SIPC.

Fidelity Brokerage Services LLC is SEC registered and regulated by FINRA; FBS and NFS are members of NYSE and SIPC.

M1 Finance LLC CRD#: 281242 / SEC#: 8-69670; M1 Advisory Services LLC CRD Number 249787, SEC File Number 801-106511.

FBS CRD# 7784 / SEC# 8-23292; NFS CRD# 13041 / SEC# 801-50706, 8-26740.

Not disclosed in extracted official sources; needs editor review.

Primary securities brokerage entities are Fidelity Brokerage Services LLC (FBS) and National Financial Services LLC (NFS), each member NYSE/SIPC; advisory and crypto entities differ by product.

No explicit negative balance protection found for brokerage or crypto accounts; margin account disclosures emphasize maintenance calls and possible forced liquidation if equity falls below maintenance requirements.

Not applicable/not disclosed as a CFD-style negative balance protection policy; margin trading can create debt/interest obligations.

Member SIPC; securities customers protected up to $500,000 including $250,000 cash. Certain Apex-cleared accounts have excess SIPC. High-Yield Cash balances are eligible for FDIC insurance up to $4.75M when swept to partner banks. Crypto is not SIPC or FDIC insured.

SIPC coverage up to $500,000/$250,000 cash plus Fidelity excess SIPC; FDIC sweep coverage may apply to eligible cash programs; important exclusions apply.

Minimums: $100 individual/joint/custodial brokerage; $5,000 trust; $500 Traditional/Roth/SEP IRA; $100 crypto; High-Yield Cash individual account shows no minimum to open but stated APY requires $100 minimum initial deposit.

$0 to open a retail brokerage account; Fidelity states no account minimum and ability to invest with as little as $1; exceptions apply by account/product.

Not applicable or not broker-level for this investment-platform profile; review if leveraged products apply.

Not applicable to Fidelity's core U.S. stock/ETF brokerage model; securities trade by exchange/market prices rather than quoted CFD/FX spreads.

M1 Finance LLC does not charge commission, trading, or management fees for self-directed brokerage accounts, but platform, regulatory, account closure, ADR and other fees may apply.

$0 online U.S. stock and ETF trades; $0 online options commission plus $0.65/contract; other product/service fees apply.

Direct ACH deposits from or to connected bank are always free; incoming wire fee is $0, though sending bank may charge.

$0 Fidelity fee for EFT and Fidelity does not charge wire fees; external banks may charge.

ACH transfers are free; outgoing domestic wire from Earn is $25; outgoing direct account transfers are $100.

$0 Fidelity fee for EFT and domestic bank wire withdrawals; foreign exchange wire up to 3% of principal; receiving bank may charge.

Low-balance M1 investment accounts with value $50 or less and zero trading or deposit activity for 90+ days will be closed and remaining balance up to $50 charged as a Minimum Balance Fee.

No explicit inactivity-fee line found in official fee schedule; official account pages state no retail brokerage account fees/no account or subscription fees. Treat as needs manual confirmation before publishing as '$0 inactivity fee'.

Most stocks and ETFs listed on major U.S. exchanges such as NYSE and NASDAQ, certain OTC securities, fractional shares, and selected cryptocurrencies via Bakkt.

Stocks, ETFs, mutual funds, options, crypto, fixed income, bonds and CDs; Fidelity says stocks include domestic and international.

M1 products are offered via its website and M1 Finance mobile application, available on iOS and Android.

Fidelity.com, Fidelity mobile app, Fidelity Trader+ Web/Desktop/Mobile mode, and legacy Active Trader Pro Classic.

Individual Brokerage, Joint Brokerage, Trust, Custodial, Traditional IRA, Roth IRA, SEP IRA, Cash Account (High-Yield Cash), Crypto Account.

Broad account menu including taxable brokerage, retirement/IRA, cash management, HSA, custodial/youth, education, trust/business, managed and crypto accounts.

External bank connection via Plaid or micro-deposits supports deposits/withdrawals; incoming wires are available for High-Yield Cash/Savings; brokerage transfers can be initiated via ACAT.

EFT/ACH, bank wire, check/mobile check, direct deposit, recurring deposit, Fidelity-to-Fidelity/account transfer, transfer of assets, and eligible payment apps.

Withdraw via linked external bank; High-Yield Cash/Savings support outgoing domestic wires by form; direct account transfers out are available for a fee.

EFT/ACH, bank wire, paper check, Fidelity-to-Fidelity transfers, third-party/person-to-person transfers and eligible debit card/ATM access.

Wire article lists ACH speed 2-5 business days, incoming wires within 1 business day after receipt, and outgoing wires same business day before 12 PM CT or next business day after cutoff.

EFT withdrawals 1-3 business days; bank wire same day if submitted by 4 p.m. ET; paper check about 5-6 days.