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Mezzi review: Is it worth it in 2026?

Nicolas StrautBy Nicolas StrautLast updated 8 min read
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Key takeaways

  • Mezzi has been an investment adviser registered with the SEC since September 25, 2025, filed as MEZZI, STOCKTALK INC. under CRD number 337818.
  • Mezzi charges nothing for its free tier and $399 a year for Advisory, vs the 1% of assets its own comparison page names as the typical advisory fee.
  • Mezzi suits a self-directed investor who wants registered advice at a fixed price, while Empower suits someone who wants a human advisor holding and managing the money.
In this article

AI tools can now read your accounts and tell you what's in them. This review covers Mezzi's three tiers, its SEC registration, and what its own disclosures say the product cannot see. You will learn what Mezzi charges as of September 2026 and the portfolio size at which a fixed subscription beats a percentage fee.

Who is Mezzi for?

Mezzi is built for three groups: investors whose money is scattered across institutions, high earners deciding whether to pay a percentage fee at all, and people who want a registered adviser without a human.

Investors holding accounts at three or more institutions

Investors with accounts in several places are what Mezzi is designed around, because no single brokerage dashboard shows your true weighting in a stock you hold in four accounts at three custodians. If everything you own sits in one place, most of what Mezzi shows you is already visible in that account.

High earners weighing a percentage fee against a flat one

For high earners, a subscription can cost less than a percentage fee. A percentage fee grows with your balance, while a subscription does not. So portfolio size alone decides which one costs less. The section below gives you the threshold.

People who want a fiduciary without a human advisor

Investors who want fiduciary standing without an advisory relationship can get both from Mezzi. Mezzi is registered with the SEC and paid by subscription rather than commission. It never holds or trades your money, which is a limit as much as a feature.

Mezzi pros and cons

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FeatureProsCons
Regulatory standingAn investment adviser registered with the SEC since September 2025, with Form ADV and Form CRS on fileRegistration does not imply skill or training, and Mezzi says so in its own disclosure
PricingA free tier that connects every account, and a subscription that does not grow with your balanceThe plan names and prices have changed more than once, so a figure you find quoted elsewhere may not be current
What it seesReads holdings across brokerages, retirement accounts, and HSAs rather than one account at a timeMezzi's own disclosure says aggregation is limited to supported institutions and may miss assets, changes, and risks
Tax featuresFlags wash-sale exposure and loss-harvesting candidates across institutions, which a single broker cannot doAccuracy depends on cost-basis data arriving correctly from third-party interfaces
ExecutionTakes no commission on product sales, so nothing steers the advice toward what paysMezzi cannot place trades. You place every trade yourself

Is Mezzi safe and legitimate?

Mezzi is a real, registered firm with read-only access to the accounts you connect. It cannot hold your money, move it, or place a trade.

What the SEC register says about Mezzi

The SEC's Investment Adviser Public Disclosure register, checked on September 14, 2026, lists MEZZI, legal name MEZZI, STOCKTALK INC., under CRD number 337818 and SEC number 801-134438, with registration approved on September 25, 2025.1The record carries a current Form ADV, Part 2 brochures, and a Part 3 relationship summary, and anyone can look it up.

What registration does and does not cover

Registration gives you two things: a fiduciary duty, and a public Form ADV and Form CRS that put the firm's conflicts in writing where you can read them. Registration does not guarantee skill or training, does not protect your money, and is not insurance. Mezzi's own disclosure says so plainly.

Mezzi detailed review

Exposure X-ray and cross-account overlap

The Exposure X-ray is the feature the rest of the product is built around. It reads holdings across IRAs, 401(k)s, taxable accounts, and HSAs, then resolves ETF overlap and duplicate positions to report what you own in a given company. That exposure figure often differs from what any single account shows you.

The tax features, and what they depend on

Mezzi's tax features look for wash-sale exposure and loss-harvesting candidates across every institution you have connected. A single broker cannot see a wash sale you triggered in an account it does not custody. Mezzi's cross-account check fills that gap. The results depend on the cost-basis data arriving correctly from each institution.

The AI chat and Delegations

The chat answers questions using your connected positions, not general market commentary. Delegations are standing tasks you set Mezzi to keep running. Delegations are the main thing the paid tiers meter: five active Delegations on Advisory, unlimited on Concierge.

What Mezzi says it can miss

Mezzi publishes an unusually direct account of its own limits. Its comparison page states that aggregation is limited to supported institutions, successful data connections, and information you provide, and that it may not capture all assets, liabilities, changes, risks, or opportunities.2Mezzi relies on third-party interfaces that can deliver data late or wrong.

How much does Mezzi cost?

Mezzi costs nothing on its free tier and runs two paid plans above it. These figures come from Mezzi's own pricing page and were observed on September 14, 2026.3

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TierMonth to monthBilled annuallyWhat it adds
Free$0$0Limited AI insights, connect all assets and liabilities, one family member, risk analysis with X-ray
Advisory$39 a month$33.25 a month, $399 a yearUnlimited tax, retirement, and investment advice; 5 active Delegations; video, phone, and email support
Concierge$99 a month$83.25 a month, $999 a yearUnlimited Delegations, advanced AI for complex analysis, quarterly coaching check-ins, setup assistance

What the free tier leaves out

The free tier limits advice, not data. The free tier connects every account and runs the X-ray, so you see the full picture. What it limits is the amount of AI insight you get and whether you can set a Delegation running.

Advisory, and who it is priced for

Advisory is priced for someone who intends to ask questions regularly. Moving up to Advisory gets you unlimited advice, five standing Delegations, and support by video and phone rather than email alone.

Concierge, and who it is priced for

Concierge is priced closer to an advisory relationship than to software. Quarterly coaching check-ins and setup assistance separate it from Advisory, alongside unlimited Delegations and a more advanced AI model for complex analysis.

Is Mezzi cheaper than a 1% advisory fee?

Mezzi is cheaper than a 1% fee above roughly $39,900 in assets for Advisory, and above roughly $99,900 for Concierge. Below those balances, the percentage fee costs less. Mezzi's own comparison page names 1% of assets as the typical advisory fee, and both thresholds come from that 1%.

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Portfolio1% annual feeAdvisoryConcierge
$50,000$500$399$999
$100,000$1,000$399$999
$250,000$2,500$399$999
$500,000$5,000$399$999
$1,000,000$10,000$399$999

The table leaves out one thing that is hard to price. A percentage fee usually buys a person who will take your call and sign off on a decision, while a subscription does not. Fees are also only one input. Where you hold an account changes your fund expenses and your tax bill. If you are still choosing an account type, start with our Roth IRA guide.

The verdict: is Mezzi worth paying for in 2026?

Mezzi holds 4.7 out of 5 from 107 App Store ratings, and its listing reports more than $7 billion in assets connected or entered into the product, both observed in September 2026.4Mezzi publishes both numbers about itself.

The published reviews are a weaker guide than that rating suggests. The pages ranking for this product include one bylined to an AI reviewer persona, one aggregating other people's scores rather than reporting first-hand use, and one written by an author who says in the article that he invested in the company. Reddit threads run more mixed.

The rating and the reviews differ for one reason. A diagnostic tool scores well with people who arrive holding scattered accounts and a tax problem worth solving, because it finds something on day one. It scores badly with anyone who expected Mezzi to act. Mezzi tells you what to do, and you still have to go and do it.

Consider Mezzi if your balance clears the threshold above, your accounts sit at more than two institutions, and you'll act on what Mezzi finds. Mezzi fits badly if everything you own is already at one custodian, or if what you want is somebody to place the trades.

Mezzi vs the alternatives

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MezziCFO SilviaEmpower
Pricing modelFixed subscriptionFixed subscriptionPercentage of assets managed
Entry price$0$0$0 for the free tools
Paid tier$399 a year$200 a yearA tiered percentage of assets under management
Registered investment adviserYes, CRD 337818No registration on the SEC registerYes
Holds or trades your moneyNoNoYes, on the advisory side
Account accessRead-onlyRead-onlyRead-only for the free tools

Mezzi vs Empower

Empower works the opposite way: a free aggregator attached to a percentage-fee advisory business with human advisors behind it, charging a tiered percentage of assets under management from a $100,000 minimum.5Consider Empower if you want a credentialed person responsible for the account, and Mezzi if you want the analysis without a fee that scales. Our Empower review and Origin Financial review cover their tiers.

Mezzi vs CFO Silvia

CFO Silvia is the closer comparison, running the same read-only subscription model at roughly half the price of Advisory. The difference that matters is regulatory: Mezzi is registered with the SEC and CFO Silvia is not. That registration puts a fiduciary duty behind Mezzi's answers. Our CFO Silvia review covers its tiers, security, and ownership, and our Robinhood review covers what a low-cost broker gives you instead. For a flat-fee app that picks and manages a taxable portfolio, see our Alinea Invest review.

Check your own numbers before you subscribe

Work out what a percentage advisory fee would cost at your own balance before you compare it to a subscription. Project a realistic portfolio figure with the Tweed retirement calculator, then compare it with the thresholds above.

Frequently asked questions about Mezzi

What is Mezzi?

Mezzi is an investment adviser registered with the SEC that delivers its service as an app rather than through meetings. It connects to your brokerage, retirement, and bank accounts with read-only access, analyses what you hold across all of them, and answers questions about your holdings. It never holds or trades your money.

How much does Mezzi cost?

Mezzi costs nothing on its free tier. Advisory runs $39 a month, or $33.25 a month at $399 billed annually. Concierge runs $99 a month, or $83.25 a month at $999 billed annually. Those figures were observed on Mezzi's own pricing page in September 2026 and can change.

Is Mezzi legit?

Yes, Mezzi is a legitimate firm. It appears on the SEC's Investment Adviser Public Disclosure register as MEZZI, STOCKTALK INC., CRD number 337818, with registration approved in September 2025 and a current Form ADV on file. Registration brings a fiduciary duty. It does not guarantee skill or protect your money.

Is Mezzi safe to connect to my accounts?

Mezzi has read-only access to the accounts you connect, so it can see balances and positions but cannot move money or place trades. Read-only access limits what can go wrong operationally. It still lets Mezzi see everything you own in one view, which is more than any one institution holds.

Does Mezzi have a free trial?

Mezzi runs a permanent free tier rather than a time-limited trial. The free plan lets you connect every asset and liability, add one family member, and run the Exposure X-ray, with limited AI insights. You pay for more advice and for Delegations, not for access to your own data.

Does Mezzi do tax-loss harvesting?

Mezzi identifies tax-loss harvesting candidates and flags wash-sale exposure across every institution you connect. A single broker cannot do this for accounts it does not hold. Mezzi does not execute the trades. You place them yourself, and the output depends on cost-basis data arriving correctly.

What do Mezzi reviews on Reddit say?

Reddit threads on Mezzi are mixed. Users praise the cross-account analysis and the price vs an advisory fee, and they question how much the free tier gives you. Before you search, know that the Trustpilot page that ranks for Mezzi reviews belongs to a luggage retailer, not to this company.

Sources

  1. https://adviserinfo.sec.gov/firm/summary/337818
  2. https://www.mezzi.com/compare
  3. https://www.mezzi.com/pricing
  4. https://apps.apple.com/us/app/mezzi-wealth/id6449714926
  5. https://www.empower.com/products-solutions/wealth-management
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