If M1 Finance were to face corporate insolvency or bankruptcy, customer investments and securities remain thoroughly safeguarded due to strict regulatory frameworks and asset separation mandates. Customer securities are held by a separate clearing brokerage firm and are legally segregated from M1 Finance's corporate balance sheet, meaning they cannot be claimed by corporate creditors. In the rare event that brokerage assets are missing or unaccounted for during a firm failure, the Securities Investor Protection Corporation steps in to protect customer securities and cash up to statutory limits of 500000 dollars. Additionally, uninvested cash sweeps held through partner banks are protected by FDIC insurance up to applicable per-depositor maximum limits.