Mezzi
SEC-registered AI investment advisor offering personalized fiduciary advice on tax optimization, retirement, and asset allocation.
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What is Mezzi?
Mezzi is an SEC-registered AI advisor that provides personalized, fiduciary investment advice for wealth management and tax optimization. The platform analyzes your entire portfolio across all investment accounts including 401(k), brokerage accounts, Roth IRAs, and Traditional IRAs, bringing them into a single consolidated view. Mezzi identifies tax savings opportunities in seconds, helping users save on capital gains taxes through tax-loss harvesting while avoiding wash sale violations.
Key features include portfolio rebalancing across all accounts to maximize gains while minimizing taxes, account optimization recommendations for Roth vs. Traditional vs. taxable accounts, year-round tax-loss harvesting guidance, wash sale tracking and detection across accounts, and hidden risk discovery including concentration and exposure insights. The platform offers real-time AI prompts for wealth building, unlimited AI Chat for on-demand wealth and investing Q&A, best-in-class performance analysis with benchmark comparisons, dividend income tracking, fund switching suggestions with lower-cost ETF alternatives, and retirement planning that updates automatically when markets or life circumstances shift.
Mezzi is designed for high-net-worth investors and anyone with multiple investment accounts who wants institutional-grade wealth management without paying 1% AUM advisor fees. It's particularly valuable for investors pursuing FIRE (Financial Independence Retire Early), Barista FIRE, or traditional retirement goals, as well as those looking to reduce fund fees, increase passive income, and optimize portfolio allocation. The platform is currently available to iOS users in the United States with investment/brokerage accounts, with a web app available in beta.
The platform uses advanced calculators and AI-powered suggestions to simplify complex investment tax management, securely links hundreds of U.S. brokerages including Fidelity, Vanguard, Charles Schwab, Robinhood, E*TRADE, TD Ameritrade, Chase, and Bank of America, and values user data security by promising never to sell data to third parties. On average, Mezzi surfaces over $1,000 in annual tax and fee savings, with potential tax optimization adding 1% to 2% to annual returns.
Mezzi pricing
Pricing model: Paid
Mezzi offers two pricing tiers: a Free plan at $0 and a Premium plan at $199 per year (or $15/month monthly, $150/yearly annual with 2 months free). The Free plan includes consolidated wealth views with smart groupings, insights for all accounts and smart groups, ability to invite a partner/financial advisor/CPA, basic performance comparisons, family collaboration features, and a free trial of Premium. Free users get one Mezzi AI Chat session per day. The Premium plan includes real-time AI prompts to build wealth, unlimited wealth Q&A on-demand with AI Chat, discover hidden risk across accounts, best-in-class performance analysis, full tax optimization, unlimited rebalancing, retirement planning, advanced features like X-rays to find hidden holdings, expense ratio comparisons for similar ETFs, tax loss harvesting strategies, and priority support. On average, Premium users surface over $1,000 in annual tax and fee savings.
Mezzi pros
- SEC-registered fiduciary AI advisor
- Consolidates all investment accounts in one place
- Identifies tax savings opportunities in seconds
- Real-time tax-loss harvesting guidance year-round
- Wash sale tracking and violation prevention across accounts
- Rebalances portfolio to save taxes while maximizing gains
- Account optimization recommendations (Roth vs Traditional vs taxable)
- Hidden risk discovery with concentration and exposure insights
- Unlimited AI Chat for on-demand wealth Q&A
- Fund switching suggestions with lower-cost ETF alternatives
- Retirement planning with automatic updates when markets shift
- No 1% AUM advisor fee - institutional-grade planning affordable
- On average surfaces over $1,000 in annual tax and fee savings
- Securely links hundreds of U.S. brokerages and bank accounts
- Never sells user data to third parties
- Real-time AI prompts to build wealth daily
- Advanced performance analysis with benchmark comparisons
- Dividend income and passive income tracking
- Contribution recommendations including mega backdoor strategies
- Invite partner, financial advisor, or CPA to collaborate
Mezzi cons
- Currently only available to iOS users in the United States
- Web app still in beta and not fully complete
- Read-only account aggregation - cannot execute trades directly
- Limited to liquid assets only - no estate planning
- Does not handle tax filing or business tax analysis
- May not receive data from financial institutions in timely manner
- Third-party API dependencies can cause inaccurate data
- AI tools do not guarantee investment results or performance
- Registration does not imply certain level of skill or training
- Free plan limited to one AI Chat session per day
Frequently asked questions about Mezzi
What is Mezzi and how does it work?
Mezzi is an SEC-registered AI advisor that acts as an AI wealth copilot. It securely links to hundreds of U.S. brokerages, trading platforms, and bank accounts to see a full view of all your accounts including assets and liabilities. The platform then analyzes your entire portfolio across all accounts to identify tax savings opportunities, optimize asset allocation, discover hidden risks, reduce fund fees, and increase passive income. Mezzi delivers personalized steps and real-time AI prompts without any human in the loop, providing institutional-grade wealth management and fiduciary advice at a fraction of traditional advisor fees.
How much can I save using Mezzi?
On average, Mezzi users discover over $1,000 in annual tax and fee savings opportunities through the platform. Tax optimization alone can add 1% to 2% to annual returns. For a $1M portfolio, that translates to $10K–$20K more in your pocket each year from tax savings alone. The platform surfaces real-time tax savings opportunities calculated from your realized gains, unrealized losses, and tax rate.
Does Mezzi sell user data?
No, Mezzi never sells user data to third parties. Their revenue comes solely from their paid product offerings (Free and Premium plans). Mezzi highly values the security of user data and promises to keep it private.
What accounts can I connect to Mezzi?
Mezzi securely links hundreds of U.S. brokerages, trading platforms, and bank accounts including Fidelity, Vanguard, Charles Schwab, Robinhood, E*TRADE, TD Ameritrade, Chase, Bank of America, and more. The platform accepts 401(k), brokerage, Roth IRA, Traditional IRA, and other investment/brokerage accounts. Mezzi relies on seeing a full view of all your accounts including all assets and liabilities for optimal analysis.
How does Mezzi's tax-loss harvesting work?
Mezzi makes tax-loss harvesting simple by surfacing real-time tax savings opportunities across your portfolio, showing exactly where losses can offset gains, and guiding execution with AI support. The platform helps you reduce capital gains tax and maximize ordinary income tax deductions while avoiding wash sale violations. When you harvest a loss, Mezzi tracks the 61-day window (30 days before and after sale) and suggests alternative investments so you can stay invested in the same sector or theme without violating IRS tax rules. You can execute trades directly through your connected account.
What is the difference between Free and Premium plans?
The Free plan provides consolidated wealth views with smart groupings, insights for all accounts, family collaboration features, basic performance comparisons, and one AI Chat session per day. Premium at $199/year unlocks real-time AI prompts to build wealth, unlimited AI Chat for on-demand wealth Q&A, hidden risk discovery across accounts, best-in-class performance analysis, full tax optimization, unlimited rebalancing, retirement planning with automatic updates, advanced features like X-rays to find hidden holdings, expense ratio comparisons for similar ETFs, and tax loss harvesting strategies. Premium users get significantly more powerful tools for active wealth building.
Does Mezzi provide actual investment advice or just insights?
Mezzi is an SEC-registered investment adviser that provides personalized, fiduciary investment advice. The platform delivers actual advice including portfolio rebalancing recommendations, account optimization (Roth vs Traditional vs taxable), contribution recommendations, tax-loss harvesting guidance, fund switching suggestions, and retirement planning. Mezzi operates as a SEC registered financial advisor that provides holistic financial advice without any human in the loop, using purpose-built AI technology specifically for portfolio management rather than general AI like ChatGPT.
Can Mezzi help with retirement planning?
Yes, Mezzi builds a customized retirement plan around your goals whether you want to FIRE at 45, pursue Barista FIRE, or follow traditional retirement timelines. The platform provides contribution recommendations including Roth vs Traditional and mega backdoor strategies, automatically updates your plan when markets or your life shift, and offers course corrections as needed. You get institutional-grade retirement planning without the 1% AUM advisor fee that traditional financial advisors charge.
How does Mezzi prevent wash sale violations?
Mezzi tracks wash sale rules across all your accounts in real time and provides wash sale detection to prevent violations. The platform monitors the critical 61-day window (30 days before and after a sale) and reminds you when you can re-enter a position. When you decide to harvest a loss, Mezzi suggests alternative investments that aren't substantially identical so you can stay invested in the same sector or theme without violating IRS tax rules. This advanced protection works across taxable and retirement accounts simultaneously.
Is Mezzi available outside the United States or on other platforms?
Currently, Mezzi is available only to iOS users in the United States who have investment or brokerage accounts. A web app is also available in beta but may have limited functionality. The platform does not currently support users outside the United States or other mobile platforms like Android. This geographic and platform limitation is because Mezzi relies on U.S. brokerage APIs and is registered as an SEC investment adviser.