Mezzi vs. Boldin: Retirement Scenarios and Connected Financial Guidance

Updated September 26, 2026.

Boldin is a strong fit to evaluate when you want a detailed retirement model with adjustable assumptions and side-by-side scenarios. Mezzi is a fit to evaluate when you want ongoing guidance across connected finances and saved personal context. Both have AI features and can inform retirement-related decisions.

The choice is not AI versus a static calculator. It is the kind of work you want to do: construct and inspect a long-term model, discuss a decision using your current financial picture, or use both approaches together. Boldin was formerly called NewRetirement.

Compare the workflow first

Sources: Boldin pricing, Boldin AI, and Mezzi pricing. Reviewed September 26, 2026.

Boldin: a structured model of future decisions

Boldin's planning workflow lets users build a picture of income, spending, assets, and future events, then explore scenarios. The benefit of a model is that assumptions can be made explicit and their consequences compared over time. How Boldin works

For a person evaluating retirement timing, the question is rarely answered by today's portfolio balance alone. Expected spending, future income, account types, and the timing of major events all matter to the model. A structured planning tool gives those inputs a place to be examined together.

The model's usefulness depends on the inputs and assumptions. A favorable projection is not a guarantee. Before acting, identify which variables drive the result and how much the conclusion changes when they change.

Scenario comparison helps isolate a tradeoff

A useful scenario test changes one important variable at a time. For example, compare an illustrative retirement date with another date while keeping the other assumptions consistent. Then examine what changed and why.

Changing retirement timing, spending, investment assumptions, and a home purchase all at once may create a dramatically different result without revealing which decision caused it. Start with controlled comparisons, then combine the changes you actually intend to consider.

Boldin lists multiple scenarios, side-by-side comparison, tax projections, Roth conversion exploration, and Monte Carlo analysis among PlannerPlus capabilities. Boldin plan comparison

These are meaningful tools to evaluate if you want to inspect the model directly. Do not replace a clear account of those capabilities with a vague claim that the competitor is “reactive.”

Boldin has AI grounded in the plan

Boldin AI is presented as an assistant that uses the user's plan to help answer questions and explore planning decisions. The current offer includes AI conversations rather than relying only on manual chart inspection. Boldin AI

Test whether the assistant helps you understand the model. Ask which inputs drive a result, what assumption is missing, and how a proposed scenario differs from the baseline. The value is in clarifying the planning work, not simply producing a fluent answer.

A useful review can combine the conversation with the underlying model. If an answer describes a projected outcome, find the relevant assumptions and outputs so you can verify the explanation.

Mezzi: guidance connected to present circumstances

Mezzi's account groups include investments, banking, other assets, and liabilities. Checking and savings, credit cards, and manually entered real estate can matter alongside retirement holdings. AI Personalization saves goals, preferences, and background. Mezzi account-group update

This can help with a decision that starts in the present: how a new expense changes a contribution discussion, which information is needed before considering an investment change, or how several accounts fit with a stated goal.

Exposure X-Ray helps investigate underlying exposures in supported funds. That can add context when an account list appears diversified but several funds contain similar underlying investments. The analysis is limited by the information available and does not automatically determine an appropriate action.

Mezzi can support retirement and tax discussions, but this article does not claim that every modeling function in Boldin has an identical counterpart in Mezzi. If a particular projection, report, or scenario control is essential, verify that exact capability rather than inferring it from a broad feature label.

An illustrative retirement review using both approaches

Consider a household comparing retirement at 60 with retirement at 65. In a deliberately simplified example, annual spending is $80,000 in today's dollars and $30,000 of annual income begins at 65. The first scenario therefore has an $80,000 annual gap for five years before that income starts, followed by a $50,000 gap. The second starts with the $50,000 gap at 65. Five times $80,000 is $400,000 before inflation, taxes, returns or other changes; it is not a recommended portfolio size or a forecast.

In Boldin, build the baseline with the same assets, spending definition, income start date and other assumptions. Change the retirement date in a separate scenario and inspect the projected cash flows, taxes and model results. Keep contributions, investment assumptions and major purchases constant initially so the timing difference can be understood. Then test additional changes explicitly rather than hiding them inside a more favorable scenario.

In Mezzi, save the same dates and constraints and ask which current accounts would support each phase, what data is missing, and whether the planned reserve or other goal conflicts with the assumed withdrawals. Do not infer identical model controls or an identical Monte Carlo implementation from the fact that both products can discuss retirement.

Keep a comparison record with the five-year income gap, the spending definition, account dates and assumptions about tax and inflation. If one result looks much better, first check whether it starts the $30,000 income five years too early or omits a major expense. Agreement between two tools is also not proof if both received the same incorrect input.

The useful outcome is an inspectable scenario and a list of choices to review. Neither a projection nor a conversation starts benefits, performs a Roth conversion or submits a withdrawal. Those actions remain with the responsible institutions and professionals.

Roth conversion and tax questions require precise scope

A Roth conversion model, a discussion of possible tax consequences, and execution at an institution are separate steps. The useful question is which step you need help with and which facts are required for it.

For any tool, verify the income, account types, dates, and tax assumptions relevant to the scenario. If a decision depends on facts that are not in the system, identify them explicitly rather than treating a projection as complete.

When professional review is appropriate, a clear record of the assumptions and questions can make that conversation more productive. Software output should help you understand the issue; it should not be presented as proof that a strategy will lower everyone's taxes.

Compare software and professional services separately

Boldin lists a Free Basic tier and PlannerPlus at $144 annually after a 14-day trial. Its pricing page separately lists Boldin Advisors at a $3,200 flat fee for a comprehensive retirement-plan checkup. Boldin pricing

Those are different purchases. A software subscription is not the same as a professional planning engagement. Review the deliverables and scope of the service you are considering instead of averaging them into one misleading product price.

Mezzi offers Free, Advisory at $399 annually, and Concierge at $999 annually. The paid plans differ in ongoing guidance and service, with Concierge including quarterly coaching. Mezzi plan details

Choose based on the actual task. If detailed scenario modeling solves your main question, evaluate that workflow directly. If ongoing connected discussions solve a different recurring need, evaluate that separately. Using both means counting both costs and maintaining consistent information.

What to inspect before paying

Build one realistic scenario or ask one focused question before comparing long feature lists. Check whether you can trace the answer to the facts you supplied, inspect important assumptions, and understand what would change the conclusion.

Confirm account-linking scope and data dates. Where information is manual, assign responsibility for updating it. A household review can become inconsistent if one person updates a goal while another continues using an old assumption.

Distinguish available features from roadmap items. Boldin's current page marks some additions as “coming soon.” This article does not count those as delivered capabilities. Revisit the current product when a planned feature is essential to your decision.

Frequently asked questions

Is Boldin the same as NewRetirement?

Boldin is the current brand formerly known as NewRetirement. Use its current pricing and product documentation rather than older comparisons under the previous name.

Does Boldin have AI?

Yes. Boldin AI works with the user's planning context, and PlannerPlus currently lists unlimited conversations. Compare the actual workflow instead of assuming AI is exclusive to Mezzi.

Does Mezzi automatically perform Roth conversions or tax-loss harvesting?

No. Mezzi does not execute trades, conversions, or transfers. It supports guidance using available information; implementation remains with you and the relevant provider.

Should I use both?

Possibly, if structured retirement modeling and ongoing connected guidance each address a distinct need. First test the same facts and question, then decide whether the additional value justifies maintaining two tools.