M1 Finance

M1 Finance

Auth: Playwright + Chrome cookies (headless=False required) URL: https://app.m1.com Configuration: Set Chrome profile path in vault/wealth/config.md

Data Available

Data Type	Navigation Path	Notes
Portfolio total value	Dashboard	Total portfolio value, today's change, all-time return
Pie allocation	Invest → Pie	Target vs. actual allocation % per slice
Holdings	Invest → Holdings	Each position: shares, current price, value, cost basis, unrealized P&L
Dividend history	Invest → Activity → Dividends	Date, amount, reinvested flag
Portfolio performance	Invest → Performance	Time-weighted return chart; export not always available
Monthly statements	Account → Documents	PDF per month
Tax documents	Account → Documents → Tax Documents	1099-B (gains/losses), 1099-DIV
Account history	Account → Activity	All transactions: trades, transfers, dividends

Configuration

Add to vault/wealth/config.md:

m1_chrome_profile: /Users/YOU/Library/Application Support/Google/Chrome/Profile 2
m1_accounts:
  - nickname: "M1 Brokerage"
    type: brokerage
  - nickname: "M1 IRA"
    type: ira-roth

M1-Specific Notes

• M1 uses a "pie" structure: each pie has target allocation slices (e.g., "70% VTI, 30% BND"). The allocation drift check compares target slice % to actual slice % within each pie, and then the pie-level allocation to total portfolio target.
• M1 auto-invests new deposits according to pie targets — the allocation drift from deposits is typically small; drift accumulates from differential market returns across slices.
• M1 Plus subscribers have access to more performance data; free tier has some limitations.
• Tax documents typically available by late January / early February.

Used By

• wealth-investment-review — pull portfolio value, allocation, and dividend income
• wealth-net-worth-review — contribute brokerage value to net worth snapshot

Vault Output

• vault/wealth/00_current/m1/ — holdings snapshots, pie allocation records
• vault/wealth/00_current/m1/statements/ — monthly statement PDFs
• vault/wealth/00_current/m1/tax-docs/ — 1099-B, 1099-DIV