Mezzi

As heard on Bloombergproduct+SecurityMembershipCompanySIGn UPTax savings made simpleTax optimization can add 1% to 2% to annual returns²Mezzi identifies and analyzes tax savings opportunities in seconds:Rebalance your portfolio to save on taxes, while maximizing gainsAccount optimization (Roth vs. Traditional vs. taxable)Tax-loss harvesting guidance all yearWash sale trackingReal impact: On a $1M portfolio, that's $10K–$20K more in your pocket each year.Asset allocation and risk managementOne portfolio. All your accounts.Your 401(k), brokerage, Roth IRA—they should work together, not against each other.
Mezzi gives you allocation advice across every account you own:No juggling spreadsheets. No guessing if you're diversified.Retirement planningRetire with confidence, not anxietyFIRE at 45? Barista FIRE? Traditional retirement?‍Mezzi builds a plan around your goals—and updates it automatically:Contribution recommendations (Roth vs. Traditional, mega backdoor)Course corrections when markets or your life shiftYou get institutional-grade planning without the 1% AUM advisor fee.Skip the advisor fees Financial Calculator How many years until you want to retire? What is your portfolio's current value? What is your projected annual contribution? Estimated Annual Return Asset Manager Fee Portfolio value without fees $6,167,647 Portfolio value with current asset manager $4,848,200 Wealth lost in AUM fees: $1,319,447 Your advisor's effective rate: $14,661/hour Start membershipWhat would you do with an extra million dollars?You’ve worked hard to create your wealth. You know every percentage point matters.‍You’ve thought about giving all your assets to an advisor because you know you’re missing out on opportunities to build your wealth.‍Saving 1% across ETFs and mutual funds, for example, may mean an extra $186,877 for retirement or for your kids. Saving $10,221 on your capital gains taxes means you can reinvest it and turn it into $76,123 over 30 years.‍Most advisors follow standard portfolio theory to manage your investments. Many even outsource the investment management to third parties. The best will leverage the same insights you’ll find in Mezzi.‍With our platform, you see the insights yourself the moment you sign up and then when you actually need them, all without having to hand over all your assets to a stranger.‍Saving 1%-plus on an advisor means saving over $1M over 30 years.*Learn more about the roles of advisors and the different types here.Your data is secureYou’re putting your trust into every financial service you work with. Whether you’re working with a financial advisor, a large bank, or Mezzi. Your privacy and data security needs come first. Mezzi uses best in class data standards. Industry leading aggregatorsWe use industry leading providers, like Plaid and Finicity (Mastercard) to connect with your accounts. Every major brokerage and financial institution from Schwab to Chase is working with them to ensure you have access to your data in a secure and private manner.‍Mezzi never sees your brokerage and bank login details. Access to your accounts is limited to read-only.Apple loginApple is a leader in privacy and Apple login anonymizes your email.Ad free experienceWe aren’t here to sell your data to a third party, today or ever.  Our paid plan allows us to build the best product for you, while keeping all of our data private.Learn more“I love the AI insights and the simplicity of the UX. There is just enough info and I loved chatting with the AI to make important changes to my portfolio. I haven’t found another wealth app like Mezzi.”TimCEO, Somnee“I’ve tried a lot of personal financeproducts. This is the only one withdeeply integrated AI and the team is shipping updates quickly.”AndreAuthor of FAANG Fire“Mezzi’s X-Ray feature allowed me to uncover exposure to stocks I didn’t realize I had.”ShupingFounder of Summer AI“Mezzi gives me answers and ideas when I need them, no matter what time of day or how big or small the question.”MikeProduct manager“I use the @MezziApp and love it. All accounts in one place and a slick UI.”Dividend Broadcaster@DivIncomeBcast“Absolutely the BEST app to manageyour wealth. I've been pleased since thebeginning. Disclaimer: I have NO affiliation with this company.”The Smile Investor@TinyToothDDS“I love the AI insights and the simplicity of the UX. There is just enough info and I loved chatting with the AI to make important changes to my portfolio. I haven’t found another wealth app like Mezzi.”TimCEO, Somnee“I’ve tried a lot of personal financeproducts. This is the only one withdeeply integrated AI and the team is shipping updates quickly.”AndreAuthor of FAANG Fire“Mezzi’s X-Ray feature allowed me to uncover exposure to stocks I didn’t realize I had.”ShupingFounder of Summer AI“Mezzi gives me answers and ideas when I need them, no matter what time of day or how big or small the question.”MikeProduct manager“I use the @MezziApp and love it. All accounts in one place and a slick UI.”Dividend Broadcaster@DivIncomeBcast“Absolutely the BEST app to manageyour wealth. I've been pleased since thebeginning. Disclaimer: I have NO affiliation with this company.”The Smile Investor@TinyToothDDSFrequently asked questionsDoes Mezzi replace my existing advisor?You can keep your existing advisor, but why would you pay for both? Mezzi is a registered investment advisor. We handle portfolio analysis, tax optimization strategies, and investment strategy. If you need estate planning documents or insurance products, you'll still need specialists for those.Do I have to move my accounts to Mezzi?No. Keep them where they are. Mezzi works with all of your existing accounts so you don't have to move them. Brokerage and bank accounts scattered across different financial insitutions? No problem. Mezzi supports thousands of institutions and account typesIs Mezzi actually regulated?Yes, Mezzi provides financial advice across a variety of topics. Mezzi is registered with the SEC. Please see our Form ADV Brochure and Form CRS. Other analysis, including interpretation and comparison, relies on AI reasoning models fro OpenAI and Google. Why does Mezzi cost so much less than traditional advisors?We believe financial advice should be accessible to everyone and without conflicts of interest. Technology has made it easier than ever to access financial advice. The cost of Mezzi should be a fraction of the long-term wealth you build from using the platform.Get actionable advice in less than five minutesStart membershipDisclosuresMezzi relies on seeing a full view of all your accounts, including all assets and liabilities. To the extent that information is not provided to Mezzi, it will not capture changes or opportunities. Mezzi relies upon third party APls to capture data from your financial institutions. Mezzi may not receive data in a timely manner or inaccurate data may be sent to Mezzi.‍Mezzi is an SEC-registered investment adviser; registration does not imply a certain level of skill or training. Investing involves risk, including the possible loss of principal. Information provided is for informational purposes only and does not constitute investment advice. Advisory services and features described may not be suitable for all investors. Testimonials may not be representative of the experience of all clients and are not a guarantee of future performance or success. Past performance does not guarantee future. --- As heard on Bloombergproduct+SecurityMembershipCompanySIGn UPDisclosuresMezzi relies on seeing a full view of all your accounts, including all assets and liabilities. To the extent that information is not provided to Mezzi, it will not capture changes or opportunities. Mezzi relies upon third party APls to capture data from your financial institutions. Mezzi may not receive data in a timely manner or inaccurate data may be sent to Mezzi.‍Mezzi is an SEC-registered investment adviser; registration does not imply a certain level of skill or training. Investing involves risk, including the possible loss of principal. Information provided is for informational purposes only and does not constitute investment advice. Advisory services and features described may not be suitable for all investors. Testimonials may not be representative of the experience of all clients and are not a guarantee of future performance or success. Past performance does not guarantee future. --- As heard on Bloombergproduct+SecurityMembershipCompanySIGn UPBespoke advice to achieve your goalsWealth allows us all to achieve important goals for our family, like buying a home, sending our kids to college, traveling, and retiring early.‍Yet, so often, financial insights are locked behind expensive wealth advisors. Even those armed with a finance degree can end up spending hours on weekends and evenings researching the information they need and building spreadsheets to stay organized.‍Mezzi provides a better way to build wealth for every family.
You don’t need to pay thousands of dollars to an advisor. You don’t need a finance degree. You don’t need to waste your weekends building spreadsheets.‍Mezzi gives you and every family tools and insights to build wealth independently, without paying expensive advisory fees, being beholden to a financial institution with biased advice, and wasting precious time each week. Join other Mezzi members who have saved thousands and build wealth to achieve all of your family's goals.Don’t change a thingWith Mezzi, you keep your existing investment accounts. Securely sync them with Mezzi to get started.Your family’s portfolio, in one placeMezzi allows you to understand your family’s investments in one view and by account so you aren’t switching between different apps and logins to manage it all.Insights to build wealth todayMezzi’s insights allow you to start taking immediate action to build wealth. Use our suggestions to save thousands in taxes and fees today.Our investorsWe are backed by these great firms, plus a number of prominent founders and angel investors from Vinovest, Blockfolio, TikTok, J.P. Morgan, Zenput, Amazon, and Winc.Our teamOur team consists of technology, finance, and legal experts with product,design, and operating experience at some of the best and most influentialstartups and enterprises in the world. We’re motivated every day to make ita joy to achieve your financial goals.Manish JainCo-founder/CEOHersh ReddyCo-founder/CTOAndrew BarrettEngineeringEdin ĆoralićEngineeringGeorgios PagounisEngineeringIvana MilicicDesignAudrey GEngineeringSubscribe to The Boost, our weekly dose of investing insight and education.SubscribeThank you! Your submission has been received!Oops! Something went wrong while submitting the form.DisclosuresMezzi relies on seeing a full view of all your accounts, including all assets and liabilities. To the extent that information is not provided to Mezzi, it will not capture changes or opportunities. Mezzi relies upon third party APls to capture data from your financial institutions. Mezzi may not receive data in a timely manner or inaccurate data may be sent to Mezzi.‍Mezzi is an SEC-registered investment adviser; registration does not imply a certain level of skill or training. Investing involves risk, including the possible loss of principal. Information provided is for informational purposes only and does not constitute investment advice. Advisory services and features described may not be suitable for all investors. Testimonials may not be representative of the experience of all clients and are not a guarantee of future performance or success. Past performance does not guarantee future. --- As heard on Bloombergproduct+SecurityMembershipCompanySIGn UPSee every underlying holdingYour "different" funds hold the same 80 stocks. Did you know that?You own VOO and QQQ. Most of QQQ is already in VOO.‍You own the Mag 7 three times over. That's concentration, not diversification.Connect every accountYour Fidelity 401(k) doesn't know about your Vanguard IRA.401(k) here. IRA there. Taxable somewhere else. Each brokerage shows their slice.‍Your Fidelity target-date holds the same tech you bought at Schwab. Your advisor doesn't see this.Updated automaticallyYour concentration changes every day. So does Exposure X-Ray.Markets move. Funds rebalance. You trade.‍No spreadsheets. No quarterly reviews. NVDA surges 8% in a week—and it's 18% of your portfolio. You should know that before, not afterIs Exposure X-Ray for you?If any of these sound familiar, you need to see what you actually own.You own ETFs or mutual fundsThe setupVOO for S&P 500. VTI for total market. QQQ for tech. Plus a 401(k) target-date fund. Different funds, different purposes. Diversified, right?What You Don't SeeAll four hold the same mega-cap tech—Apple, Microsoft, Amazon, Google, Meta. You could be 30-40% tech without knowing.What Exposure X-Ray ShowsVOO and VTI share 500 stocks. You're exposed to the same companies twice. See the overlap. Decide what to cut.You have accounts at multiple brokeragesThe setupDifferent brokerages have different funds that track the same thing. FXAIX with Fidelity and VOO with Vanguard? QQQ with your E*Trade account and SCHG in Schwab?What You Don't SeeFidelity target-date 2050: 30% tech. Vanguard total market: 28% tech. Your Schwab stocks? Already your largest holdings through your funds. You're more concentrated than any account suggests.What Exposure X-Ray ShowsEach brokerage has its own fund to help you track the same basket of stocks. FXAIX and VOO are both tracking the S&P 500. This means you're just paying multiple fees across different brokerages for the same exposure.Your advisor says you're "diversified"The setupYour advisor manages $800K. Solid portfolio, mostly index funds. But they don't manage your 401(k) ($400K), old IRA ($200K), or spouse's accounts ($300K).What You Don't SeeThey're optimizing on 40% of your assets. Their recommendations might create concentrations with your other accounts. Not their fault—incomplete information.What Exposure X-Ray ShowsEverything. Your advisor's conservative allocation plus your aggressive 401(k) might be riskier than intended. Share your X-Ray so you can have a better-informed conversation.See where you can optimize your portfolio after one quick call1Book your onboarding call (5 minutes)Talk with our founder to make sure Mezzi is right for you. We'll walk through your situation and show you what Exposure X-Ray can find in your portfolio.2Connect your accounts (2 minutes)Link your accounts through Plaid, Finicity, or SnapTrade.3See what’s availableTax Optimization analyzes your portfolio and shows you what opportunities exist right now.Start membership✓ Bank-level security✓ SEC-registered investment advisor ✓ Read-only accessWhat Mezzi members discovered"Here's what surprised me most: I discovered individual stock exposure I didn't even know I had. Turns out my "diversified" ETF portfolio had significant overlap, with some companies appearing across multiple funds."— Nishant Jayant, Meta engineer"The hidden concentration is such a good feature. Particularly for those in tech who already hold significant amount of company stock. They often forget those same holdings make up a large % of the indexes they hold."— Andre Nader, author of FAANG FIREMost financial advisors don't have access to this analysisExposure X-Ray uses institutional-grade analysis—reserved for the wealthiest clients.Your advisor probably uses:Morningstar: Fund-level analysis, not your real-time cross-account overlap.Planning tools: eMoney, RightCapital, MoneyGuidePro—only categorize funds.Brokerage reporting: Isolated to that brokerage and that account. They don't have tools that analyze every holding across all accounts.What makes Exposure X-Ray different:‍Every stock in every fund across every accountTrue exposure to each companySector, market-cap, and geographic concentrationsUpdates automaticallyEven sophisticated DIY investors can't calculate this manually. Too many moving parts.Frequently asked questionsHow is this different from my brokerage's portfolio view?Your brokerage shows what you hold with them. Exposure X-Ray shows what you own across all accounts.Example: Fidelity shows "You own VOO, diversified." But you own VTI at Vanguard and QQQ at Schwab. You're heavily concentrated in mega-cap tech. Fidelity can't see your other accounts. Exposure X-Ray can.Does this work with 401(k)s and IRAs?Yes. Connect any account:Traditional and Roth IRAs401(k), 403(b), 457 plansTaxable brokerageHSAs, 529s, trustsExposure X-Ray analyzes all types together.Will this show if I own the same stocks in different funds?That's exactly what it's built for.You own VOO, VGT, and QQQ. Exposure X-Ray shows:Apple in all 3 (7.1%, 18.4%, 11.2% of each)Microsoft in all 3 (6.9%, 16.7%, 9.8%)Total Apple: 12.3% of your portfolioEvery stock. Every fund. Every account.How often does this update?Real-time prices, daily portfolio updates. Updates as:You tradeFunds rebalanceMarkets moveAlways current. What if I want to be concentrated?That's fine. Some investors intentionally concentrate in sectors they understand.Exposure X-Ray shows what you own. You decide what to do. Want 40% tech? Great—just know that's what you have.Is my data secure?Yes:Bank-level encryptionRead-only access (can't move money or trade)Plaid and Meld (trusted by every major bank)Stop guessing what you own.The next market correction will reveal whether you're diversified or concentrated. Better to find out now.Start membershipOver $2B  connectedFiduciary advisorBank-level securityDisclosuresMezzi relies on seeing a full view of all your accounts, including all assets and liabilities. To the extent that information is not provided to Mezzi, it will not capture changes or opportunities. Mezzi relies upon third party APls to capture data from your financial institutions. Mezzi may not receive data in a timely manner or inaccurate data may be sent to Mezzi.‍Mezzi is an SEC-registered investment adviser; registration does not imply a certain level of skill or training. Investing involves risk, including the possible loss of principal. Information provided is for informational purposes only and does not constitute investment advice. Advisory services and features described may not be suitable for all investors. Testimonials may not be representative of the experience of all clients and are not a guarantee of future performance or success. Past performance does not guarantee future.