Choosing the right platform depends on what you need: Mezzi focuses on real-time portfolio insights and tax strategies, while Boldin (formerly NewRetirement) specializes in retirement planning tools. Here's a quick breakdown:
- Mezzi: Ideal for investors managing multiple accounts looking for actionable, AI-driven advice on tax optimization, portfolio overlaps, and asset allocation. Pricing starts at $299/year.
- Boldin: Best for retirement-focused users who want to model scenarios like Roth conversions and Social Security strategies. It offers a free plan, with paid tiers starting at $144/year.
Quick Comparison
| Feature/Criteria | Mezzi | Boldin (NewRetirement) |
|---|---|---|
| Focus | Portfolio management | Retirement planning |
| AI Insights | Proactive and real-time | Reactive, scenario-based |
| Tax Tools | Daily tax-loss harvesting | Long-term Roth conversion modeling |
| Ease of Use | Simple setup, automated | Hands-on, detailed modeling |
| Pricing | Starts at $299/year | Free plan, paid from $144/year |
If you want ongoing portfolio monitoring and tax planning, Mezzi may align better. For in-depth retirement projections, Boldin could be the right fit.
Mezzi vs Boldin: Side-by-Side Platform Comparison for Self-Directed Investors
Mezzi: What It Does and Who It Serves
Core Features and Benefits
Mezzi is an SEC-registered fiduciary that provides advisor-level insights tailored for self-directed investors. By using read-only access through Plaid and Finicity, Mezzi consolidates all your financial accounts into a single, easy-to-navigate dashboard.
At the heart of Mezzi’s platform is account aggregation. Whether it’s your 401(k), Roth IRA, taxable brokerage, or other accounts, Mezzi brings everything together. This comprehensive view allows for deeper analysis and insights that traditional advisors, who often only manage specific accounts, might not provide.
One standout feature is the Portfolio X-Ray, which highlights overlapping investments, identifies sector concentration, and uncovers fee inefficiencies. For example, if you think your portfolio is diversified but it turns out that several of your funds are heavily weighted in the same growth stocks, Mezzi will point that out. On the tax side, Mezzi identifies tax-loss harvesting opportunities throughout the year, monitors for potential wash sales across all linked accounts, and offers guidance on asset location. For instance, it might suggest whether a bond fund is better suited for a Roth IRA or a taxable account.
"Asset location - which holdings sit in which accounts - can be worth more than stock picking over time." - Mezzi
Research has shown that tax-aware portfolio management may add 1–2% in annual after-tax returns through strategies like tax-loss harvesting and asset location. Mezzi is designed to help investors capture this potential value independently, without needing to rely on a dedicated advisor. While Mezzi provides recommendations, you maintain full control over your investment decisions and trades.
Once you understand Mezzi’s capabilities, it’s worth considering how its pricing reflects the value it offers.
Pricing Breakdown
Mezzi operates on a flat annual subscription model, steering clear of the traditional 1% AUM fee. Here’s a breakdown of the three pricing tiers:
| Plan | Price | What's Included |
|---|---|---|
| Core | $299/year | Account aggregation, Portfolio X-Ray, tax optimization tools, returns analysis, and 24/7 AI monitoring. |
| Plus | $499/year | Includes everything in Core, plus advanced AI features, in-depth research, early access to new tools, and concierge support via video, phone, and email. |
| White Glove | $1,499/year | Includes everything in Plus, along with personalized AI coaching through video calls and unlimited support calls with the Mezzi team. |
For many self-directed investors, the Plus plan strikes the right balance between features and personalized support. However, the White Glove tier is ideal for those dealing with more intricate scenarios, such as concentrated stock positions, equity compensation, or complex tax considerations, where having direct access to human expertise can be invaluable.
This pricing structure aligns with Mezzi’s goal of providing advanced tools and tailored guidance for a specific type of investor.
Who Is Mezzi Best For?
Mezzi is built for experienced investors managing multiple accounts who value data-driven insights but want to retain control over their financial decisions. It’s particularly well-suited for professionals like tech employees with RSUs and a 401(k), physicians juggling taxable accounts and backdoor Roth IRAs, or anyone whose growing wealth requires a more structured, informed approach to investing.
However, Mezzi may not be the best fit for beginners looking for basic budgeting tools or those who prefer a fully hands-off advisory service. Its advanced features and tools are tailored to investors who already have a strong foundation in managing their finances.
Boldin (NewRetirement): What It Does and Who It Serves
Core Features and Benefits
Boldin, previously known as NewRetirement until its rebranding in September 2024, offers a comprehensive platform to model your entire financial life. This includes tracking income, expenses, Social Security, taxes, real estate, and healthcare - all in one place. The platform’s scenario modeling engine allows users to create a baseline retirement plan and test up to 10 different "what if" scenarios, such as retiring early or adjusting asset allocations. For deeper insight, its Monte Carlo analysis runs thousands of simulations to provide a "chance of success" percentage, now enhanced by the Arithmetic Average Growth Rate (AAGR) for better precision.
Boldin's Social Security Explorer provides three distinct claiming strategies - Current, Desired, and Maximum Life Benefit. Updated in August 2025, it reflects 2026 parameters, including a maximum taxable earnings limit of $184,500. Another standout feature is the Roth Conversion Explorer, which estimates the long-term tax implications of Roth conversions on your portfolio and future Required Minimum Distributions (RMDs).
In February 2026, Boldin launched its AI Planner Assistant. This tool uses your actual plan data to answer questions, and during its beta phase, 15,000 users submitted over 190,000 queries.
"Love the software - has been extremely helpful in getting a handle on my entire financial situation in retirement - especially taxes, withdrawal rates, and developing a plan for Roth conversions going forward." - Brian, PlannerPlus User
Pricing Overview
Boldin’s pricing structure caters to a variety of retirement planning needs:
| Plan | Cost | What's Included |
|---|---|---|
| Basic | Free | Personalized plan, basic scenario modeling, Social Security Explorer, Monte Carlo analysis |
| PlannerPlus | $144/year | All Basic features plus automated account linking, unlimited AI interactions, Roth Conversion Explorer, IRMAA planning, and 36+ charts |
| Boldin Advisors | $2,800/year | Full software access plus one-on-one consultations with a CERTIFIED FINANCIAL PLANNER™ (CFP) |
The free Basic plan offers essential tools like Monte Carlo simulations and the Social Security Explorer, making it a no-cost way to try the platform. The PlannerPlus plan, now priced at $144 annually (up from $120 in July 2025), adds features like automated account linking and unlimited AI assistant support. For those who prefer personalized advice, the Boldin Advisors tier at $2,800 per year includes consultations with a CFP.
Who Is Boldin Best For?
Boldin is tailored for individuals focused on retirement planning, particularly those within 5–15 years of retiring or already managing their distributions. It’s especially helpful for users evaluating Social Security strategies, considering Roth conversions, or preparing for healthcare costs during retirement. The platform’s step-by-step interface is a natural progression for those moving beyond basic spreadsheets. Couples planning their retirement together may also find the household modeling features especially practical.
That said, experienced DIY investors who prefer complete control might find the platform’s guided interface somewhat restrictive. Additionally, users with complex asset arrangements - such as bonds held in tax-deferred accounts - should carefully review recommendations, as some have reported occasional logical inconsistencies in niche scenarios.
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Mezzi vs Boldin: Side-by-Side Comparison
Here's a breakdown of how Mezzi and Boldin stack up across five key areas for self-directed investors.
AI-Driven Insights
Mezzi's AI is tailored to your connected accounts, offering answers based on your actual holdings. It works around the clock, flagging issues like tax-loss opportunities, allocation imbalances, and ETF overlaps - all without needing a prompt. This proactive approach sets it apart.
Boldin takes a more reactive stance. It answers specific questions tied to your plan data but doesn’t generate alerts unless prompted.
| Feature | Mezzi | Boldin (NewRetirement) |
|---|---|---|
| AI based on real account data | Yes | Yes (plan data) |
| Proactive alerts and insights | Yes | No |
| Plain-language "what-if" queries | Yes | Yes |
| Available 24/7 | Yes | Yes |
Tax Optimization
Mezzi keeps a close eye on your portfolio for tax-saving opportunities, such as identifying tax-loss harvesting chances and monitoring 30-day wash sale windows across all linked accounts. This cross-account insight is crucial, as a wash sale in one account can void a loss claimed in another. Mezzi alerts you to these risks before you make a move.
Boldin focuses on long-term tax planning. Its Roth Conversion Explorer and IRMAA planning features allow you to model multi-year impacts of converting pre-tax dollars, helping you stay under Medicare premium thresholds. These tools are meant for occasional, strategic decisions rather than daily portfolio management.
| Feature | Mezzi | Boldin (NewRetirement) |
|---|---|---|
| Daily tax-loss harvesting identification | Yes | No |
| Wash sale monitoring across accounts | Yes | No |
| Roth conversion modeling | Yes | Yes (dedicated Explorer tool) |
| IRMAA bracket planning | Yes | Yes (PlannerPlus) |
| RMD impact analysis | Yes | Yes |
While both platforms address taxes, their approaches and frequency of use differ significantly.
Ease of Use
Mezzi simplifies the process - connect your accounts, and it immediately starts delivering insights. Its conversational AI breaks down complex data into easy-to-digest explanations, making it approachable for users who prefer minimal setup.
Boldin offers a more hands-on experience. Eric Rosenberg, WCI Contributor, described it as "a turbo-charged financial calculator... intuitive and interesting." Its modular Explorer tools let you control details like Social Security timing and Roth conversion scenarios. However, this depth comes with a steeper learning curve.
Cost vs. Value
Boldin offers a free Basic plan, which includes Monte Carlo simulations and Social Security strategy exploration. Its PlannerPlus plan, at $144/year, adds features like account linking, unlimited AI interactions, and Roth conversion tools.
Mezzi starts at $299/year for its Core plan, which includes 24/7 AI chat, tax optimization, and proactive monitoring. It positions itself as a full-service wealth management tool, covering all your accounts.
| Plan | Mezzi | Boldin (NewRetirement) |
|---|---|---|
| Free tier | No | Yes (Basic) |
| Entry paid plan | $299/year (Core) | $144/year (PlannerPlus) |
| Mid-tier plan | $499/year (Plus) | - |
| Advisor access | $1,499/year (White Glove) | $2,800/year (Boldin Advisors) |
The pricing reflects each platform’s scope and target audience.
Fit for Independent Investors
Both platforms cater to investors who prefer to manage their own finances but take different approaches. Boldin appeals to those who enjoy manually modeling retirement scenarios and exploring every variable. Mezzi, on the other hand, focuses on real-time monitoring and actionable insights, making it better suited for investors who want guidance rather than hands-on modeling. For those juggling both taxable and retirement accounts, Mezzi’s cross-account visibility provides a practical edge that Boldin doesn’t match.
Conclusion: Choosing Between Mezzi and Boldin
Where Mezzi Stands Out
Mezzi caters to investors who value real-time monitoring and a comprehensive view of their financial landscape. By integrating data from various accounts like 401(k)s, IRAs, and taxable brokerage accounts, it may uncover tax-saving opportunities and send timely alerts. As an SEC-registered fiduciary, Mezzi is committed to acting in your best interest, which can provide peace of mind when handling sensitive financial information. For those juggling multiple account types and seeking actionable insights without manual effort, Mezzi offers a practical and efficient solution.
Where Boldin Stands Out
Boldin focuses on retirement planning, offering tools like the Social Security Explorer to help users make informed decisions about Social Security timing, Roth conversions, and more. Its free Basic tier allows users to explore retirement projections before committing to a paid plan. Finance AI Daily highlights Boldin's strengths, stating:
"Boldin is the right choice if you want guided planning and the best Social Security optimization wizard... plus a genuinely useful AI Planner Assistant."
This specialized focus makes Boldin an appealing option for those prioritizing retirement strategies.
Final Recommendation
Each platform shines in different areas, so the choice depends on your financial goals. If you're looking for a tool that provides daily portfolio monitoring, identifies tax opportunities across multiple accounts, and delivers fiduciary-grade advice, Mezzi may be the better fit, especially with its $299/year Core plan. If your primary focus is on retirement planning, optimizing Social Security strategies, or modeling Roth conversions, Boldin's $144/year PlannerPlus plan offers strong value for those needs.
For multi-account management and real-time financial insights, Mezzi's capabilities address a broader range of immediate concerns.
FAQs
Can I use Mezzi and Boldin together?
Mezzi serves as an AI-powered wealth copilot, bringing together all your financial accounts - such as 401(k)s, IRAs, and brokerage accounts - into one streamlined dashboard. Its features include offering actionable insights, analyzing your portfolio, and focusing on tax optimization. With professional-level tools built into Mezzi, most self-directed investors may find they don’t need additional software to manage their investments effectively.
What accounts can Mezzi link (401(k), IRA, taxable, RSUs)?
Mezzi integrates with a broad array of financial accounts, giving you a consolidated look at your net worth and investment portfolio. Supported accounts span across 401(k)s, 403(b)s, traditional and Roth IRAs, taxable brokerage accounts, 529 plans, crypto wallets, and bank accounts. By leveraging secure, read-only tools like Plaid and Finicity, Mezzi ensures safe access to your financial data. For accounts not directly supported, you can manually add them, helping you maintain a comprehensive financial snapshot.
Does Mezzi help prevent wash sales across all my accounts?
Mezzi is designed to help you manage wash sales across all your connected accounts. Using AI, it pulls together your financial data into a single, easy-to-read dashboard and keeps track of it in real time. By identifying potential wash sale risks, Mezzi aims to support compliance with IRS rules, helping you avoid disallowed deductions while aiming to improve tax efficiency for both taxable and retirement accounts.
Disclosures:
- This content is for informational purposes only and does not constitute investment, tax, or financial planning advice.
- Comparisons between financial tools are based on publicly available information and may not reflect the most current features or pricing of each platform.
- Past performance is not indicative of future results. Always consult with a qualified financial advisor before making investment or retirement planning decisions.
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