Mezzi vs CFO Silvia for AI help with your investments in 2026
Key takeaways
- Mezzi Advisory costs $399 a year1 and CFO Silvia Pro costs $200 a year,2 so you'll pay $199 a year more for Mezzi's paid plan on annual billing.
- When choosing between Mezzi and CFO Silvia, start with whether you want advice from an SEC-registered investment adviser, because Mezzi is one and CFO Silvia calls its answers educational.
- Mezzi is the stronger fit for an investor who wants registered advice on a portfolio spread across brokerages, and CFO Silvia for one who wants to track property, crypto, and vehicles beside it for less.
In this article
Key takeaways
- Mezzi Advisory costs $399 a year1 and CFO Silvia Pro costs $200 a year,2 so you'll pay $199 a year more for Mezzi's paid plan on annual billing.
- When choosing between Mezzi and CFO Silvia, start with whether you want advice from an SEC-registered investment adviser, because Mezzi is one and CFO Silvia calls its answers educational.
- Mezzi is the stronger fit for an investor who wants registered advice on a portfolio spread across brokerages, and CFO Silvia for one who wants to track property, crypto, and vehicles beside it for less.
Mezzi and CFO Silvia both read your accounts without moving money, and the split is advice. Mezzi is an SEC-registered investment adviser charging $399 a year for Advisory, and CFO Silvia is an educational AI CFO charging $200 a year for Pro.3 This guide compares registration, what each app tracks, monitoring, and cost.
Mezzi vs CFO Silvia at a glance
At a glance, Mezzi vs CFO Silvia comes down to whether you want registered advice, which assets you track, and what the paid plan costs.
| Mezzi | CFO Silvia | |
|---|---|---|
| Best for | Investors who want registered advice on accounts spread across institutions | Investors who want one AI view of investments, property, crypto, and debts |
| SEC-registered investment adviser | Yes, CRD 337818, since September 25, 2025 | No; it says its answers are educational, not financial advice |
| What it tracks | Investment, retirement, and cash accounts, crypto, real estate, and liabilities | Bank and brokerage accounts, crypto, real estate, vehicles, debts, and other assets you enter |
| Signature feature | Exposure X-ray, which looks through funds to what you own | Radars, which keep checking a question and tell you when the answer changes |
| Free plan | $0, limited AI insights | $0, no card, limited chat, research, and Radars |
| Paid plans | Advisory $39 a month or $399 a year; Concierge $99 a month or $999 a year | Pro $20 a month or $200 a year; Max $200 a month |
| Holds or trades your money | No | No |
| How you reach it | iOS app and web app | Web app you add to your home screen, plus texts and calls |
| Human help | Video, phone, and email support; quarterly coaching on Concierge | Priority support; a setup session with a founder on Max |
Mezzi's figures come from Mezzi's own pages, read on October 13, 2026, and CFO Silvia's from Silvia's, read on October 12, 2026.
What is Mezzi?
Mezzi is an SEC-registered investment adviser that runs as an app, with a free plan, Advisory at $399 a year, and Concierge at $999 a year. It connects your accounts read-only and gives non-discretionary advice, so it recommends a move and you place the trade yourself.
Its Exposure X-ray looks through your ETFs and mutual funds to show what you own across every connected account. The Mezzi review covers each tier and how the membership compares with a 1% advisory fee.
What is CFO Silvia?
CFO Silvia, now branded Silvia, is an AI CFO app from Silvia, Inc., the Nasdaq-listed company formerly called ProCap Financial, with a free plan, Pro at $200 a year, and Max at $200 a month.4 It connects your accounts read-only and answers questions about them by chat, text, or phone call.
Its Radars keep watching a question for you after you ask it once. The company reports more than 20,000 investors with a connected account and over $60 billion in connected assets. The CFO Silvia review covers its security and each plan in more detail.
Mezzi vs CFO Silvia features compared
Mezzi vs CFO Silvia features split on five things: registered advice, what each app tracks, portfolio and tax analysis, ongoing monitoring, and how you reach it. Each section below opens with the app that comes out ahead, and a tie is called a tie.
Investment advice and SEC registration
On investment advice, Mezzi wins, because it is an SEC-registered investment adviser and CFO Silvia isn't registered as one. The SEC record lists Mezzi under the legal name Mezzi, StockTalk Inc., CRD 337818, approved September 25, 2025, and a firm search for "Silvia" on October 12, 2026 returned only an unrelated wealth manager. Silvia's site footer says its information is for educational purposes and isn't financial advice.
With Mezzi, you'll get advice from a firm whose Form ADV is public on the SEC's site. With CFO Silvia, you'll get analysis that you weigh and act on yourself.
What each app tracks
On what each app tracks, CFO Silvia wins, because it covers vehicles and other assets you enter by hand beside your bank, brokerage, crypto, and property accounts. Mezzi aggregates investment, retirement, and cash accounts, crypto, real estate, and liabilities, and its strongest tools work on the investment accounts.
On Silvia's free plan, bank connections stop refreshing after 30 days without a login. So if you're on the free plan, log in at least once a month or your balances will go stale.
Portfolio and tax analysis
On portfolio and tax analysis, Mezzi wins, because its Exposure X-ray and tax tools work across every account you connect. Mezzi flags tax-loss harvesting candidates and wash-sale exposure across institutions, which a single broker can't see. CFO Silvia answers tax and portfolio questions in chat and can build a spreadsheet or PDF of the answer on Pro.
For a Roth conversion schedule on its own, the Tweed Roth Conversion Plan runs one for free.
Ongoing monitoring
On ongoing monitoring, it's close to a tie, because Mezzi's Delegations and CFO Silvia's Radars both keep checking a question for you. Mezzi Advisory lets you hand monitoring and research to 5 agents and Concierge has no limit, and Silvia's Radars are limited on Free and get 10 times the usage on Pro. A Radar alerts you only when the answer changes.
Phone apps, texts, and calls
On phone apps, Mezzi wins for iPhone users, because it has a native iOS app and CFO Silvia runs as a mobile web app. Silvia says it's "a mobile-first web experience today," and every Silvia plan includes chat, texts, calls, and emails with Silvia, limited on Free. Mezzi's help center names its iOS app and its web app at app.mezzi.com as the two ways to use it.
Mezzi vs CFO Silvia cost
Mezzi vs CFO Silvia cost is $0 on both free plans, so the tables below price the paid plans. They use list prices with no discount codes, and they hold prices flat after the first year.
If you pay for one year
If you pay for one year, you'll pay $399 for Mezzi Advisory and $200 for CFO Silvia Pro on annual billing, a $199 difference.
| Annual billing | Mezzi Advisory | CFO Silvia Pro | Difference |
|---|---|---|---|
| One year | $399 | $200 | $199 |
| Monthly equivalent | $33.25 | $16.67 | $16.58 |
| Five years at today's prices | $1,995 | $1,000 | $995 |
If you pay month to month
If you pay month to month, you'll pay $39 a month for Mezzi Advisory and $20 for CFO Silvia Pro, or $468 and $240 over 12 months.
| Monthly billing | Mezzi Advisory | CFO Silvia Pro | Difference |
|---|---|---|---|
| Per month | $39 | $20 | $19 |
| 12 months | $468 | $240 | $228 |
| Saved by switching to annual | $69 | $40 |
If you want the top plan
If you want the top plan, you'll pay $999 a year for Mezzi Concierge and $2,400 a year for CFO Silvia Max, which bills monthly only.
| Top plan | Mezzi Concierge | CFO Silvia Max |
|---|---|---|
| Annual billing | $999 | Not offered |
| 12 months, monthly billing | $1,188 | $2,400 |
| What it adds | Unlimited Delegations, advanced AI, quarterly coaching check-ins, setup help | 10 times Pro's usage, a setup session with a founder, early access |
The top plans are the one place CFO Silvia costs more, and Concierge adds coaching where Max adds usage. Mezzi says members who joined on an earlier plan keep their plan and price while the membership stays active, so a current member may pay a different amount.5
Should you choose Mezzi or CFO Silvia?
Whether you should choose Mezzi or CFO Silvia depends on whether you want registered advice, which assets you need tracked, and how much you'll pay each year. If you're weighing a human advisor, read Mezzi vs Empower, and if you're weighing other apps, read CFO Silvia alternatives.
Choose Mezzi if
- You want investment advice from an SEC-registered adviser
- You hold funds at several brokerages and want to see the overlap in one X-ray
- You want tax-loss harvesting and wash-sale checks across every account
- You want a native iPhone app and quarterly coaching check-ins on the top plan
Choose CFO Silvia if
- You want vehicles and other hand-entered assets beside your accounts and property in one net worth
- You want to pay $199 a year less for the paid plan on annual billing
- You'd like to text or call your finance app instead of opening it
- You want standing Radars that tell you only when something changes
Before you pay for either app, run the Tweed Retirement Calculator to see whether your savings line up with your retirement date. Then read the guide to how much you need to retire for the 25x and 4% rules behind that target. If you're comparing planning apps instead of AI CFOs, Boldin vs ProjectionLab covers that pair.
Frequently asked questions about Mezzi vs CFO Silvia
Who owns CFO Silvia?
CFO Silvia is owned by Silvia, Inc., a Nasdaq-listed company trading as SVIA, which was called ProCap Financial until its name change took effect on September 22, 2026. Anthony Pompliano is chairman and CEO, and he co-founded the product with engineer Shain Noor. The ticker was BRR before the change.
Is Mezzi a fiduciary?
Yes, Mezzi is a fiduciary when it advises you, because it's an SEC-registered investment adviser. Its help center says that means a duty of care and a duty of loyalty: advice in your best interest, and conflicts disclosed. Mezzi charges a flat membership fee and says it takes no commissions and doesn't sell your data.
Is it safe to connect my accounts to Mezzi or CFO Silvia?
Connecting your accounts to Mezzi or CFO Silvia gives each app read-only access, so neither can move money or place a trade. Mezzi says you log in inside the connection provider's screen, so it never receives your password. Silvia says it holds SOC 2 Type II certification and that Plaid, not Silvia, holds your bank credentials.
Do Mezzi's Core, Plus, and White Glove plans still exist?
No, Mezzi's Core, Plus, and White Glove plans aren't sold to new members, though two help articles still list them at $300, $504, and $1,500 a year. Its pricing page shows Free, Advisory, and Concierge. Mezzi says members who joined on an earlier plan keep that plan and price while the membership stays active.
Will Mezzi or CFO Silvia do my taxes?
No, neither Mezzi nor CFO Silvia will do your taxes. Mezzi says it doesn't prepare returns, generate tax forms, or file anything, and your brokerage still sends your 1099s. CFO Silvia answers tax questions as education, not advice, and both can point out tax savings in your accounts, and you or a tax professional still file the return.
Do I need both Mezzi and CFO Silvia?
No, you don't need both Mezzi and CFO Silvia for most setups, because both connect the same accounts read-only and run standing checks for you. Paying for both makes sense only if you want Mezzi's registered advice on your portfolio and Silvia's tracking of vehicles and other hand-entered assets. Start both on the free plans first.
What do Reddit users say about CFO Silvia vs Mezzi?
Reddit users who discuss CFO Silvia vs Mezzi mostly talk about each app on its own, not head to head. A YNAB thread describes Silvia as a planning and overview tool and not a budgeting app. Mezzi threads praise the cross-account analysis and question how much the free plan gives you.
Sources
- https://www.mezzi.com/pricing
- https://www.cfosilvia.com/#pricing
- https://adviserinfo.sec.gov/firm/summary/337818
- https://investors.cfosilvia.com/news-releases/news-release-details/silvia-inc-begins-trading-nasdaq-under-new-ticker-svia
- https://support.mezzi.com/articles/7882740154-mezzi-membership-plans-free-core-plus-and-white-glove
Personal finance writer, former Forbes contributor and This Week in Fintech writer. He isn't a financial advisor or a CPA.
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