About
Mezzi is an AI-powered, SEC-registered financial advisor designed for investors who want institutional-grade wealth management without handing over control or paying costly AUM fees. By aggregating all your investment accounts in one place—including 401(k)s, Roth IRAs, traditional IRAs, and brokerage accounts—Mezzi provides a holistic view of your financial picture and delivers actionable, personalized advice instantly. On the tax optimization front, Mezzi identifies year-round tax-loss harvesting opportunities, tracks wash sales, guides account type optimization (Roth vs. Traditional vs. taxable), and helps rebalance your portfolio tax-efficiently—potentially adding 1%–2% to annual returns. For a $1M portfolio, that can translate to $10,000–$20,000 in additional annual returns. Mezzi's retirement planning feature supports various strategies—from traditional retirement to FIRE and Barista FIRE—automatically updating your plan as markets shift or your life changes. It provides contribution recommendations including mega backdoor Roth strategies. Security is a top priority: Mezzi uses industry-leading aggregators like Plaid and Finicity (Mastercard) to connect accounts with read-only access, never storing brokerage login credentials. Apple login support further anonymizes user data. Mezzi operates on a membership model with no ads and no data selling, making it ideal for self-directed investors who want fiduciary-quality guidance without the traditional 1% advisor fee.
Key Features
- Tax Optimization: Identifies year-round tax-loss harvesting opportunities, tracks wash sales, and guides account-type optimization to add 1%–2% to annual returns.
- Unified Portfolio View: Aggregates all investment accounts—401(k), brokerage, Roth IRA—into one dashboard for holistic allocation advice and exposure analysis.
- Retirement Planning: Builds personalized retirement plans for FIRE, Barista FIRE, or traditional retirement goals, with automatic adjustments as life or markets change.
- No AUM Fees: Operates on a flat membership model instead of a percentage-of-assets fee, saving investors potentially over $1M over 30 years compared to traditional advisors.
- Bank-Grade Security: Uses Plaid and Finicity (Mastercard) for read-only account access, never stores login credentials, and supports Apple login for enhanced privacy.
Use Cases
- A self-directed investor with multiple retirement and brokerage accounts wants a single platform to identify tax-loss harvesting opportunities and avoid wash sales year-round.
- Someone planning for early retirement (FIRE) wants personalized contribution recommendations and automatic plan updates as their financial situation or market conditions change.
- An investor seeking to eliminate the 1% AUM advisor fee while still receiving fiduciary-grade asset allocation advice across all their accounts.
- A professional who wants to optimize their 401(k) and Roth IRA contributions together, including mega backdoor Roth strategies, without juggling multiple spreadsheets.
- A cost-conscious investor looking to reduce expense ratios across their ETF and mutual fund holdings and understand the long-term compounding impact of fee savings.
Pros
- No AUM Fees: Flat membership pricing eliminates the costly 1% AUM fee charged by traditional advisors, delivering significant long-term savings.
- Holistic Multi-Account Analysis: Analyzes all accounts together rather than in silos, enabling smarter asset location and diversification strategies.
- Fiduciary-Grade AI Advice: SEC-registered status means Mezzi is legally required to act in the user's best interest, a standard not all financial tools meet.
- Instant, Actionable Insights: Tax savings opportunities and portfolio recommendations are surfaced in seconds, without waiting for a human advisor.
Cons
- No Human Advisor Access: Fully AI-driven guidance may not satisfy users who prefer or require hands-on human financial advisor relationships.
- Read-Only Account Integration: Mezzi cannot execute trades on your behalf; users must manually act on all recommendations through their own brokerage accounts.
- Primarily US-Focused: Account integrations and tax optimization advice are tailored to US financial institutions and tax law, limiting utility for international users.
Frequently Asked Questions
Is Mezzi a licensed financial advisor?
Yes, Mezzi is SEC-registered and operates as a fiduciary advisor, meaning it is legally obligated to act in your best financial interest.
How does Mezzi connect to my investment accounts?
Mezzi uses industry-leading aggregators Plaid and Finicity (Mastercard) to connect with your accounts via read-only access. Mezzi never sees or stores your brokerage or bank login credentials.
Does Mezzi charge AUM fees?
No. Mezzi operates on a flat membership model with zero AUM fees, unlike traditional advisors who typically charge 1% of assets under management annually.
What types of accounts does Mezzi support?
Mezzi supports a wide range of accounts including 401(k)s, Roth IRAs, traditional IRAs, taxable brokerage accounts, and more, covering all major US financial institutions.
Can Mezzi execute trades for me?
No, Mezzi provides advice and recommendations but does not execute trades. You retain full control and must act on any recommendations through your own brokerage accounts.
