There is no risk assessment questionnaire at M1. Carey , conducted our reviews and developed this best-in-industry methodology for ranking robo-advisor platforms for investors at all levels. That said, M1 Finance does have some downsides. This type of tool and the approach behind it are still rare in the robo-advisory world. Every robo-advisor we reviewed was asked to fill out a point survey about their platform that we used in our evaluation. And, M1 Finance will automatically maintain a proportional investment allocation.