Introducing the First AI Platform Built to Eliminate 1% AUM Fees

Mezzi is an AI-driven platform that replaces the outdated 1% assets under management (AUM) fee model with a flat subscription fee, saving investors thousands annually. Traditional advisors charge fees based on portfolio size - not effort - leading to inefficiencies and conflicts of interest. Mezzi solves this by offering fixed annual plans starting at $299, providing tax optimization, portfolio insights, and 24/7 AI support without requiring you to move your assets. Over 30 years, this can save investors over $1 million compared to percentage-based fees.

Key Benefits:

• Cost Savings: Plans range from $299 to $1,499 per year, far less than 1% AUM fees.
• No Conflicts of Interest: Flat fees ensure advice isn't tied to portfolio size.
• Advanced Tools: Features like tax-loss harvesting software, wash sale tracking, and asset location guidance.
• Full Control: Keep your assets where they are; Mezzi uses read-only access.
• High ROI: Potential for 1%–2% added annual returns through tax strategies.

Subscription Plans:

1. Core Plan ($299/year): For portfolios $250K–$750K; includes tax optimization and portfolio analysis.
2. Plus Plan ($499/year): For portfolios $750K–$2M; adds Roth conversion modeling and advanced analytics.
3. White Glove Plan ($1,499/year): For portfolios $2M+; includes direct CFP® access and personalized planning.

Mezzi’s AI offers a modern, cost-effective alternative to percentage-based advisors, helping investors retain more of their wealth while optimizing after-tax returns.

How Mezzi AI Manages My Entire Investment Portfolio

sbb-itb-e429e5c

How Mezzi Eliminates AUM Fees with AI

Why Mezzi Uses Flat Subscriptions

Mezzi offers a subscription model priced at $299, $499, or $1,499 per year, which solves the issues that come with percentage-based fees. Traditional advisors who charge a percentage of assets under management (AUM) often have incentives that don’t align with your financial goals. Their revenue grows with your portfolio size, which can lead to advice that prioritizes their income over your after-tax wealth.

For example, advisors charging 1% AUM may encourage you to consolidate assets under their management, avoid withdrawals that shrink their fee base, or skip tax strategies like Roth conversions that move funds out of taxable accounts (and reduce their billable AUM). Mezzi’s flat subscription fee removes these conflicts entirely. Whether your portfolio is $500,000 or $5 million, and regardless of your financial strategies, your subscription cost remains unchanged. This ensures that the advice you receive is focused solely on maximizing your after-tax returns, not preserving an advisor’s revenue stream.

What Mezzi's AI Does for Your Portfolio

Mezzi’s AI builds on this conflict-free structure by actively managing and improving every aspect of your portfolio. It provides institutional-level tools and analysis - like tax-loss harvesting, wash sale tracking, and asset location strategies - but at the lower cost of software operations rather than human labor. Plus, the platform works 24/7, continuously monitoring your connected accounts and flagging opportunities in real time.

For instance, Mezzi’s tax-loss harvesting feature scans all your accounts year-round. If it identifies a position trading below your cost basis, it calculates the potential tax savings and alerts you. Should you decide to sell, Mezzi tracks wash sales across accounts to ensure you don’t accidentally repurchase the same or a substantially identical security too soon, which would disqualify your tax loss. This cross-account tracking is especially valuable since many investors hold assets across multiple brokerages, 401(k)s, or IRAs, where wash sale violations can easily occur.

The Portfolio X-Ray tool digs deep into your ETFs and mutual funds to reveal overlapping exposures. You might think you’re diversified across several funds, but Mezzi could show that you’re heavily concentrated in the same tech stocks across all of them. Additionally, asset location optimization helps place the right investments in the right accounts - like holding bonds in tax-deferred accounts, growth stocks in Roth IRAs, and tax-efficient funds in taxable accounts - to reduce your lifetime tax burden.

Mezzi leverages reasoning models from OpenAI and Google to analyze your financial data and deliver tailored recommendations. According to Mezzi’s internal studies, tax optimization strategies alone can add 1% to 2% to annual returns. On a $1 million portfolio, that’s an extra $10,000 to $20,000 per year. And because the platform operates at over 85% gross margins - compared to the 30-40% margins typical of traditional advisors - it provides these benefits at a fraction of the cost. This combination of technology and efficiency makes Mezzi a compelling alternative to traditional AUM advisors.

Mezzi vs. 1% AUM Advisors: Side-by-Side

Mezzi’s approach doesn’t just differ in pricing - it also changes how you manage and control your assets. Traditional advisors often require you to transfer your assets to their custodian, giving them direct control. Mezzi, on the other hand, uses read-only access through platforms like Plaid and Finicity, allowing you to keep your assets exactly where they are. Mezzi can view your portfolio without ever needing your login credentials.

Aspect	Mezzi Subscription	1% AUM Advisor
Annual Cost ($1M Portfolio)	$299–$1,499	$10,000
30-Year Total Cost	$8,970–$44,970	$1,314,000
Asset Control	You keep assets at existing brokerages	Assets moved to advisor's custodian
Incentive Alignment	Fixed fee regardless of portfolio growth	Fee increases with portfolio size
Availability	24/7 AI monitoring and insights	Business hours, human capacity limits
Cross-Account Intelligence	Tracks wash sales and optimization across all accounts	Limited to assets under management

Unlike traditional advisors, who can only handle a limited number of clients, Mezzi’s AI scales effortlessly. You can ask detailed financial questions at any time - even at 1am - and get answers in minutes. Every subscriber gets the same level of attention, no matter the size of their portfolio or the subscription tier they choose. This scalability and accessibility make Mezzi a game-changer in the world of financial advising.

Mezzi's 3 Subscription Plans

Mezzi offers three subscription plans tailored to fit a range of investor needs and portfolio sizes. Each plan includes AI-driven fiduciary advice, tax optimization strategies, and cross-account intelligence. The differences lie in the level of analysis, support, and access to human expertise.

Core Plan: $299/Year

The Core plan is perfect for self-directed investors with portfolios between $250,000 and $750,000 who want essential tax optimization without hefty advisory fees. For just $299 per year, you gain access to Mezzi's Portfolio X-Ray tool, which identifies hidden stock exposures in your ETFs and mutual funds.

Shuping, Founder of Summer AI, shared: "Mezzi's X-Ray feature uncovered stock exposures I hadn't noticed."

This plan also includes year-round tax-loss harvesting recommendations and wash sale tracking across connected accounts. It continuously scans your portfolio for tax-saving opportunities, while monthly portfolio reviews and asset location optimization advice help you make the most of your investments. Whether it’s deciding where to hold bonds or placing growth stocks in a Roth IRA, the Core plan has you covered. Email support is available with a 48-hour response window. For more comprehensive tools, the Plus plan offers additional features.

Plus Plan: $499/Year

Designed for investors with $750,000 to $2 million, the Plus plan caters to those with more complex financial situations, including pre-retirees. At $499 per year, it builds on the Core plan by adding advanced tools like Roth conversion modeling, quarterly tax reviews, and estate planning basics. You’ll also gain access to analytics such as factor exposure and drawdown analysis.

Tim, CEO of Somnee, said: "I loved chatting with the AI to make important changes to my portfolio. I haven't found another wealth app like Mezzi."

Support is upgraded to 24-hour priority text, email, and phone assistance, making it ideal for investors who need deeper insights without the commitment of ongoing human oversight. For those who require even more personalized planning, the White Glove plan steps in with direct access to human expertise.

White Glove Plan: $1,499/Year

The White Glove plan is crafted for high-net-worth individuals with $2 million or more, as well as executives, business owners, and families managing trusts. For $1,499 per year, this plan includes everything from the Plus plan, plus direct access to a CFP® for specialized planning. This includes trust and estate document reviews, concentrated stock analysis, and stock option planning for ISOs, NSOs, and RSUs.

White Glove members enjoy same-day unlimited support and can schedule video calls for hands-on AI coaching.

Mike, a Product Manager, noted: "Mezzi gives me answers and ideas when I need them, no matter what time of day or how big or small the question."

This plan is ideal for those seeking a blend of AI efficiency and human expertise for complex decisions. Even at $1,499 per year, the potential savings are substantial. For example, a $5 million portfolio could save nearly $50,000 annually compared to traditional advisors charging 1% of assets under management.

What Mezzi Does and Doesn't Do

Mezzi stands apart from traditional financial advisors by using read-only access to your accounts through Plaid and Finicity. This ensures your login credentials remain private, and Mezzi never executes trades on your behalf. Your assets stay securely with your existing financial institutions.

What Mezzi Provides

Mezzi operates on a flat subscription model, offering insights without conflicts of interest. It delivers institutional-grade analysis while leaving you in full control of your investments. Some of its standout features include:

• Tracking wash sales across all accounts
• Automated fee analysis to flag high-cost funds
• Identifying potential fee duplications in mutual funds and ETFs

As Manish Jain, CEO of Mezzi, explains:

"Mezzi leverages AI to educate and inform users, and offer ideas and suggestions, but the user remains in control and makes all final decisions about their investments".

The platform also provides tools like asset location guidance - helping you decide whether investments belong in Roth, Traditional, or taxable accounts - along with retirement contribution recommendations and factor exposure analysis. You can even ask Mezzi specific questions, such as "What are my tax-saving opportunities?" The answers are tailored to your connected accounts, not generic calculations.

Tax strategies offered by Mezzi can potentially increase annual returns by 1%–2%, which translates to $10,000–$20,000 annually on a $1M portfolio.

What Mezzi Doesn't Handle

To stay focused on tax optimization, Mezzi intentionally limits its scope. It does not:

• Custody assets
• Execute trades
• Provide budgeting tools
• Draft estate planning documents
• Sell insurance products

It’s also completely ad-free.

This streamlined approach is ideal for self-directed investors who want expert insights while keeping full control. For example, if Mezzi identifies a tax-loss harvesting opportunity, it will guide you on what to sell and when the 30-day wash sale window ends. However, you are responsible for executing the trade yourself. This ensures you maintain complete autonomy over your portfolio while saving on the typical 1% AUM fees charged by traditional advisors.

The Numbers: Mezzi's Return on Investment

Average Annual Savings with Mezzi

Mezzi provides impressive financial benefits through tax optimization and cost savings. By increasing annual returns by 1%–2%, Mezzi adds $10,000–$20,000 annually to a $1M portfolio. On top of that, it saves approximately $10,000 each year by eliminating the 1% AUM (Assets Under Management) fees. The platform also offers proactive wash sale guidance, preserving around $1,800 in tax benefits every year.

Here's an example: reinvesting $10,221 saved from capital gains tax can grow to about $76,123 over 30 years. Similarly, avoiding the impact of fees on your portfolio could result in an additional $186,877 for retirement. These numbers highlight how Mezzi’s services help maximize long-term wealth growth.

ROI by Subscription Plan

Mezzi’s subscription plans offer exceptional value, making the return on investment (ROI) clear. For a $1M portfolio, here’s how the plans compare:

• Core plan ($299/year): Delivers around $20,000 in annual benefits, translating to a 67× return on the subscription cost.
• Plus plan ($499/year): Provides similar savings, offering an estimated 40× return.
• White Glove plan ($1,499/year): Yields an approximate 13× return.

To put this in perspective, traditional advisors charging a 1% AUM fee cost about $10,000 annually on a $1M portfolio while offering only $5,000 in tax benefits. This leaves investors with a net cost. Over time, Mezzi’s flat-fee model can lead to compounded savings exceeding $1,000,000 for portfolios of $1M or more. These figures underscore Mezzi’s ability to align with your financial goals while delivering measurable and lasting benefits.

Conclusion: Keep More of Your Money with Mezzi

The traditional 1% AUM fee model wasn’t designed with investors in mind - it was designed to benefit advisors. This approach creates conflicts that hurt tax efficiency, unfairly increases costs as your portfolio grows, and compounds into hefty fees over time. It not only overcharges but also misaligns incentives, reducing returns and discouraging smart strategies like Roth conversions. Mezzi offers a better way: an AI-driven, flat-rate subscription model starting at just $299/year.

Mezzi’s AI provides top-tier tax optimization by identifying wash sale risks across accounts, spotting tax-loss harvesting opportunities throughout the year, and optimizing asset location. And the best part? You don’t have to move your accounts. Mezzi works with what you already have, focusing on what truly matters: maximizing your after-tax returns.

The numbers back it up. For a $1M portfolio, the Core plan can save about $1.27M over 30 years. That’s roughly $11,400 annually - an impressive 38× return on a $299 fee. Compare this to traditional advisors who charge $10,000/year and deliver only $5,000 in tax benefits, leaving you with a net loss of $5,000/year. Mezzi, on the other hand, provides a net benefit of $11,101/year.

Mezzi’s flat-rate subscription eliminates the conflicts tied to AUM fees, allowing you to save more no matter the size of your portfolio. There’s no pressure to grow assets under management, no discouragement of strategic withdrawals - just 24/7 AI-powered advice designed to help you hold onto more of your hard-earned money.

Whether you opt for Core, Plus, or White Glove, Mezzi delivers unbiased advice tailored to grow your wealth. This is how wealth management should work.

FAQs

How does Mezzi connect to my accounts safely?

Mezzi connects to your accounts using read-only access, which means your login credentials stay completely private. This setup ensures you maintain full control over managing your accounts while safeguarding your personal information.

Will Mezzi actually boost my after-tax returns?

Mezzi leverages AI to pinpoint tax-saving opportunities, streamline asset allocation, and implement tax-efficient rebalancing strategies. These techniques could boost your annual returns by 1% to 2%, reducing tax losses and enhancing your after-tax growth potential.

What if my portfolio is outside the plan ranges?

If your portfolio doesn’t fit within Mezzi’s predefined plan ranges, don’t worry - you can still take advantage of its AI-driven insights. Mezzi works to fine-tune your asset allocation and account strategies, tailoring recommendations to match your financial objectives across all your accounts.