Mezzi vs. Savvy Wealth

Managing your investments can be challenging, especially with high fees and account minimums from traditional advisors. Mezzi and Savvy Wealth offer modern solutions to this problem, but they cater to different needs:

• Mezzi: AI-driven platform providing actionable financial insights while keeping you in full control. Flat annual fees range from $299 to $1,499, with no minimum investment required. You execute the trades based on Mezzi's recommendations.
• Savvy Wealth: Combines AI tools with human advisors who manage your portfolio and offer personalized services like estate planning. Fees are percentage-based (0.3%–1.9% of assets under management), with a $500,000 minimum investment.

Quick Comparison

Feature	Mezzi	Savvy Wealth
Investment Control	Self-directed	Fully managed by advisors
Fees	$299–$1,499/year (flat)	0.3%–1.9% AUM
Minimum Investment	None (recommended $100,000+)	$500,000
Tax Strategies	AI identifies; you act	Advisors handle directly
Portfolio Insights	AI tools (e.g., Exposure X-Ray)	Advisors monitor and adjust
Human Interaction	Optional (Plus/White Glove plans)	Dedicated advisor

Choose Mezzi for low-cost, AI-driven guidance if you prefer to manage your own portfolio. Opt for Savvy Wealth if you want hands-on management and personalized advisor support.

Robo-Advisors Vs. Human Advisors | CAPTRUST

What is Mezzi?

Mezzi is a registered investment advisor with the SEC that uses artificial intelligence to offer fiduciary financial advice. Unlike traditional advisors, Mezzi doesn’t require you to transfer your assets or charge the typical 1% fee based on assets under management. Instead, Mezzi connects to your existing accounts at platforms like Fidelity, Schwab, or Vanguard through read-only access using tools like Plaid and Finicity. This setup allows you to retain full control of your investments while receiving advanced insights on taxes, retirement planning, and portfolio management.

The platform blends large language models from OpenAI and Google with what CEO Manish Jain calls a "deterministic, logic-based system." This hybrid approach ensures the AI can handle financial calculations accurately, addressing a common weakness of language models when it comes to math. The result is precise, personalized advice for self-directed investors who want reliable guidance without giving up control.

Mezzi aggregates data from various accounts, including 401(k)s, IRAs, brokerage accounts, and even crypto holdings, to uncover opportunities that traditional advisors might miss. Its Portfolio X-Ray feature, for example, analyzes your ETFs and mutual funds to highlight hidden stock concentrations across your investments.

Shuping, founder of Summer AI, shared: "Mezzi's X-Ray feature allowed me to uncover exposure to stocks I didn't realize I had".

The platform also monitors for automated tax-loss harvesting opportunities year-round and tracks wash sale risks across accounts. These tax strategies alone could potentially add 1% to 2% to your annual returns.

Another standout feature is Mezzi’s availability. Unlike human advisors who work limited hours, Mezzi offers 24/7 on-demand access. As Jain explains:

"Most advisors are not available 24/7 and they certainly can't keep the memory of all of your conversations with them stored and updating constantly. And I think that's what the value of AI brings to the table".

Importantly, Mezzi doesn’t execute trades or move your money. Instead, it provides advice and identifies opportunities, leaving you in full control of your financial decisions. Let’s dive into Mezzi’s features and explore the benefits it offers.

Features and Benefits

Mezzi delivers insights comparable to those of a $10,000-per-year advisor, but instantly and tailored to your entire financial portfolio. The platform continuously scans your accounts, alerting you to risks and opportunities.

One of Mezzi’s strongest features is tax optimization. Its AI identifies tax-loss harvesting opportunities throughout the year, not just during tax season, and tracks wash sale risks across all accounts. For a $1 million portfolio, this could mean $10,000 to $20,000 in annual tax savings. Reinvesting a $10,221 tax saving, for example, could grow to $76,123 over 30 years at a 7% annual return.

The Portfolio X-Ray tool is another key feature. It reveals hidden stock exposure across ETFs and mutual funds, helping you avoid unintended concentration risks. For instance, you might find that multiple "diversified" tech funds all hold large positions in companies like Apple or Microsoft. Since Mezzi aggregates data from all your accounts, it provides a complete view that traditional advisors often lack.

Retirement planning is also a major focus. By using real data from your connected accounts, Mezzi projects retirement timelines and suggests strategies to accelerate your goals. It even offers advanced guidance on tactics like the mega backdoor Roth conversion and adjusts recommendations as markets or your circumstances change.

Additionally, the Fee & Fund Analyzer scans your portfolio for high-cost funds and suggests lower-cost alternatives with similar exposure. Reducing fund fees by just 1% could add $186,877 to your retirement savings over a lifetime. On average, new users uncover over $1,000 in annual tax and fee savings when they sign up.

Pricing

Mezzi offers a simple, flat-rate pricing model, making high-quality financial advice accessible and cost-effective as your portfolio grows. Here’s a breakdown:

• Core ($299/year): Includes unlimited AI chat with fiduciary advice, 24/7 monitoring, the Portfolio X-Ray tool, tax optimization guidance, and returns analysis across all accounts.
• Plus ($499/year): Adds advanced AI capabilities, priority support, early access to features, 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 from the Mezzi team.

In contrast, traditional advisors charge around 1% of assets under management. For a $1 million portfolio, that’s roughly $10,000 annually. Over 30 years, avoiding this fee while leveraging Mezzi’s optimization strategies could save you over $1 million.

Who Should Use Mezzi

Mezzi is tailored for self-directed professionals who want expert financial guidance without losing control of their investments. It’s particularly appealing to doctors, tech employees at companies like FAANG, and financial professionals who prefer to manage their own portfolios but still seek institutional-grade advice.

If you have accounts spread across multiple institutions and want a comprehensive view of your finances, Mezzi is a great fit. By aggregating data from all your holdings, the platform identifies risks and opportunities that might otherwise go unnoticed. It’s ideal for those who are comfortable executing recommendations themselves rather than relying on a fully automated solution.

What is Savvy Wealth?

Savvy Wealth is an SEC-registered investment adviser launched in 2021. It combines advanced digital tools with a team of over 100 dedicated advisors to offer personalized wealth management services. Clients are paired with a fiduciary advisor who actively manages their portfolio while creating tailored financial plans. With approximately $5 billion in assets under management, Savvy Wealth primarily serves high-net-worth individuals with intricate financial needs.

At the heart of the platform is the Savvy Dashboard, a tool that aggregates all financial accounts, providing real-time insights into net worth, investment performance, and progress toward financial goals. It also simplifies communication through its built-in CRM.

Unlike platforms like Mezzi, which favor self-directed investment, Savvy Wealth assigns each client a dedicated advisor. These advisors use advanced portfolio analysis tools to monitor investments and adjust strategies based on individual goals and risk tolerance.

"Savvy provides the ability to customize an investment portfolio to our needs. Other institutions we have worked with were too 'cookie cutter' and put us in defined plans/portfolios." – Bill O., Savvy Wealth Client

Client assets are held with trusted custodians such as Fidelity or Charles Schwab, ensuring a high level of security. In February 2026, Savvy Wealth expanded its advisor network significantly, adding $700 million in assets through new partnerships.

Features and Benefits

The core of Savvy Wealth's services lies in its personalized portfolio management. When you sign up, an online questionnaire matches you with a Wealth Manager whose expertise aligns with your financial needs - whether that’s direct indexing and tax-loss harvesting, alternative investments, or retirement planning. Advisors then create customized investment strategies and actively manage your portfolio.

The platform also simplifies account setup, document management, and communication. It consolidates all financial accounts into a single view, making it easier to track your investments. Built-in performance analytics let you set benchmarks and monitor your progress in real time, giving you a clearer understanding of your financial situation.

"Savvy puts my best interests first, not theirs", highlighting the firm’s dedication to prioritizing client needs.

Pricing

Savvy Wealth offers a flexible fee structure tailored to your needs. Common pricing models include:

• Asset-based fees: Typically 0.3% to 1.9% of assets under management (AUM) annually.
• Net worth fees: Ranging from 0.1% to 0.4% per year.
• Fixed fees: For specific planning or consulting services.

For example, managing a $1 million portfolio with a 1% AUM fee would cost about $10,000 annually. Unlike commission-based models, this structure ensures investment advice aligns with your goals, not transactions. As an SEC-registered adviser, Savvy operates under a fiduciary duty, meaning it is legally required to act in your best interest. The service generally requires a minimum investment of $500,000.

Who Should Use Savvy Wealth

Savvy Wealth is ideal for high-net-worth individuals who prefer ongoing, personalized management over a self-directed approach. It’s particularly suited for families and business owners with complex financial needs, such as estate planning, business succession, or tax optimization through direct indexing. With a minimum investment requirement of $500,000, Savvy Wealth is tailored for those who value human interaction, proactive management, and the convenience of modern technology backed by institutional-grade security.

Feature Comparison

Mezzi and Savvy Wealth take distinct approaches to portfolio management. Mezzi relies on AI-driven tools to provide actionable insights, leaving you in control of implementing them. On the other hand, Savvy Wealth assigns a dedicated advisor to manage your portfolio directly. Here's a side-by-side breakdown of their key features.

Mezzi's AI tools are designed to optimize tax strategies by identifying tax-loss harvesting opportunities and minimizing wash sale risks, which could potentially increase returns by 1% to 2% annually. Meanwhile, Savvy Wealth's advisors handle these tax strategies directly within advisor-managed accounts.

For account aggregation, Mezzi connects to over 10,000 institutions, offering a comprehensive view of your finances. In contrast, Savvy Wealth focuses on accounts held with major custodians like Fidelity and Schwab through its dashboard.

Mezzi also offers an "Exposure X-Ray" tool to uncover hidden stock concentrations in ETFs and mutual funds, whereas Savvy Wealth's advisors actively adjust portfolios to align with your risk tolerance and financial goals.

Markdown Table: Feature Comparison

Feature	Mezzi	Savvy Wealth
Tax Optimization	AI identifies opportunities; you act	Advisor-managed tax strategies
Wash Sale Prevention	Automated, cross-account monitoring	Managed in advisor-managed accounts
Account Aggregation	10,000+ institutions via read-only access	Dashboard for advisor-managed accounts
Portfolio Overlap Tool	Exposure X-Ray reveals hidden ETF concentrations	Advisors monitor tactical allocation
Retirement Planning	AI-generated plans (FIRE, Traditional, Barista FIRE)	Comprehensive planning, including estate strategies
Investment Control	You maintain full control and decide when to act	Advisor makes investment decisions
Security	Bank-level AES-256 encryption; read-only access	SEC-registered; assets held with SIPC-protected custodians
Human Interaction	24/7 AI chat and optional video consultations (Plus/White Glove)	Dedicated fiduciary advisor assigned to each client

Pricing Comparison

When it comes to pricing, Mezzi and Savvy Wealth take distinctly different approaches that cater to varying financial needs and preferences.

Mezzi employs a flat annual subscription model, meaning your cost remains the same no matter the size of your portfolio. On the other hand, Savvy Wealth charges a percentage-based fee based on assets under management (AUM), so the more wealth you have, the higher the fees.

Mezzi offers three tiers: Core at $299/year, Plus at $499/year, and White Glove at $1,499/year. Whether your portfolio is $100,000 or $5 million, these prices stay consistent. Savvy Wealth’s fees, however, range from 0.3% to 1.9% annually, depending on the level of service and portfolio size. They also provide options like a net worth–based fee (0.1%–0.4% annually) or a negotiated fixed fee for specific planning services.

The difference becomes more apparent as portfolios grow. For instance, with a $1 million portfolio, Savvy Wealth’s fees range from $3,000 to $19,000 annually, significantly higher than Mezzi’s maximum of $1,499 per year. On average, Mezzi users save around $10,000 in advisory fees. And here’s the kicker: saving just 1% in fees can mean over saving just 1% in fees can mean over $1 million in additional wealth over 30 years million in additional wealth over 30 years for a large portfolio.

Savvy Wealth has a $500,000 minimum investment requirement, making it a choice primarily for high-net-worth individuals. Mezzi, in contrast, has no strict minimum, though it’s most advantageous for portfolios above $100,000. While Savvy Wealth’s fees cover services like estate planning, tax strategies, and insurance coordination led by human advisors, Mezzi focuses on providing AI-driven insights for you to implement on your own.

To make things clearer, here’s a breakdown of their pricing structures:

Pricing Comparison Table

Pricing Component	Mezzi	Savvy Wealth
Primary Fee Type	Flat annual subscription	Percentage of assets (AUM)
Base Annual Cost	$299 (Core plan)	0.3% – 1.9% of AUM
High-Tier Cost	$1,499 (White Glove)	Negotiated based on complexity
Minimum Investment	$0 (recommended $100,000+)	$500,000
Cost on $500,000	$299 – $1,499/year	$1,500 – $9,500/year
Cost on $1,000,000	$299 – $1,499/year	$3,000 – $19,000/year
Who Executes Trades	You (self-directed)	Advisor (managed for you)
Additional Fees	None (fund expense ratios apply)	Fund fees, custodial charges

This comparison highlights how Mezzi’s flat-rate model can offer substantial savings, particularly for larger portfolios, while Savvy Wealth’s percentage-based fees may appeal to those seeking personalized, advisor-led services.

Pros and Cons

Every financial platform has its strengths and weaknesses. By understanding where Mezzi and Savvy Wealth shine - and where they might fall short - you can make a more informed decision about which one aligns with your financial goals.

Mezzi stands out for its AI-driven insights and cost-friendly pricing model. Its X-Ray feature allows users to uncover hidden stock exposures across all accounts, offering a comprehensive view of their portfolio. With flat annual pricing ranging from $299 to $1,499, Mezzi avoids the traditional percentage-based AUM fees, potentially saving users a lot in the long run. The platform also offers automated tools for tax optimization, like identifying tax-loss harvesting opportunities and tracking wash sales, all within seconds. Additionally, Mezzi connects to your existing accounts - whether 401(k)s, IRAs, or taxable brokerages - without requiring you to move assets. Plus, you get 24/7 access to fiduciary-level advice through its AI chat interface.

However, Mezzi's main drawback is that it doesn't execute trades for you. While it provides actionable insights and recommendations, users must take the initiative to implement these themselves.

Savvy Wealth, on the other hand, focuses on a human-led approach. While Mezzi emphasizes automation and cost-efficiency, Savvy Wealth combines AI tools with dedicated financial advisors to offer a more hands-on, personalized experience.

The strength of Savvy Wealth lies in its dedicated advisors. These professionals not only manage your portfolio but also handle tasks like estate planning, tax preparation, and 401(k) management. They even execute trades on your behalf. The platform integrates AI tools to enhance the capabilities of its advisors, ensuring a deeply personalized experience. Ritik Malhotra, Founder and CEO of Savvy Wealth, highlighted this approach:

"AI is disrupting financial advice, but not in the way that many have predicted. Rather than replacing advisors, it's amplifying their ability to deliver highly personalised and deeply human client experiences."

As of July 2025, the firm manages over $2 billion in assets.

However, Savvy Wealth's limitations include a $500,000 minimum investment requirement and percentage-based fees ranging from 0.3% to 1.9% of AUM annually. For example, managing a $1 million portfolio could cost $3,000 to $19,000 per year, which is considerably higher than Mezzi's flat-rate pricing. Additionally, its focus on high-net-worth clients makes it less accessible to a broader audience, and the requirement to move assets to custodial accounts might not suit everyone.

Pros and Cons Table

Platform	Pros	Cons
Mezzi	• Flat annual pricing ($299–$1,499) • AI-driven insights available 24/7 • Full-account visibility across holdings • Automated tax optimization guidance (implementation and results may vary by user) • No minimum investment requirement • Non-custodial (keep assets where they are)	• Does not execute trades (advice only) • Requires self-implementation • Less hands-on support than advisor-led services
Savvy Wealth	• Human advisors manage portfolios • Full-service wealth management (estate planning, tax prep, 401(k) management) • AI tools that amplify advisor capabilities • Executes trades on your behalf • Personalized client knowledge bases	• $500,000 minimum investment • AUM-based fees (0.3%–1.9% annually) • Potentially $3,000–$19,000/year on $1M portfolio • Requires moving assets to custodial accounts

Which Platform Should You Choose?

Deciding between Mezzi and Savvy Wealth boils down to what you prioritize: control or convenience. Do you want direct insights to guide your own decisions, or would you rather have professionals handle everything for you? Each platform offers distinct features and pricing tailored to different investment styles. Here's how to decide which fits your needs.

Choose Mezzi If...

Mezzi is perfect if you want fiduciary-level advice while maintaining full control over your investments. It’s ideal for those who are confident managing their own portfolio but still want expert guidance, tax-saving strategies, and a clear view of their investments anytime.

Mezzi connects with your existing accounts via secure, read-only access, giving you a comprehensive dashboard without needing to transfer funds. This is especially helpful if you have accounts spread across multiple institutions and want to identify overlapping investments, find tax-loss harvesting opportunities, or avoid wash sale risks.

With flat annual fees ranging from $299 to $1,499, Mezzi offers a budget-friendly alternative to traditional percentage-based fees. The catch? You’ll need to take action on the platform’s recommendations yourself - Mezzi provides the insights, but you decide how and when to implement them.

If you’d rather have someone else handle the details, though, read on.

Choose Savvy Wealth If...

Savvy Wealth is the better choice if you prefer a fully managed service, even at a higher cost. This platform is tailored for investors who want professional advisors to take care of everything - from executing trades to ongoing portfolio management and even financial planning tasks like estate or tax planning.

It’s a great fit for those who value expert oversight, combining advanced technology with human expertise to ensure your portfolio aligns with your financial goals.

Final Thoughts

Mezzi and Savvy Wealth represent two distinct paths to managing your investments: one prioritizes self-direction with AI-driven tools, while the other emphasizes advisor-led, personalized management. With Mezzi, you maintain full control of your investment decisions, supported by AI insights and fiduciary-level guidance. The pricing for Mezzi’s services ranges from $299 to $1,499 annually, offering flexibility based on your needs.

On the other hand, Savvy Wealth blends advanced digital tools with the expertise of human advisors to handle the finer details of portfolio management. During its $7.3 million seed funding round in February 2022, the company highlighted a key industry gap:

"The wealth management industry was not embracing technology as quickly as the general public was".

This approach is ideal for those who prefer to entrust professionals with the heavy lifting of portfolio management.

FAQs

Is Mezzi safe with read-only access to my accounts?

Mezzi ensures safety with its read-only access by implementing robust security measures. It uses secure API connections, multi-factor authentication, encryption, and role-based access control to protect your data. These safeguards allow you to monitor your accounts without compromising the security of your information.

How much can Mezzi’s tax strategies actually save me each year?

Mezzi’s tax strategies could help you keep an extra $10,000 to $20,000 in your pocket each year if you have a $1 million portfolio. These savings come from smart approaches like tax-loss harvesting, account optimization, and portfolio rebalancing. The goal? To boost your after-tax returns and help you make the most of your investments.

Which Mezzi plan should I choose: Core, Plus, or White Glove?

The Core plan costs $179 every six months or $299 annually and includes AI-driven tools such as tax optimization and risk analysis. It's a great fit for users prioritizing automation.

The Plus plan, priced at $299 every six months or $499 annually, expands on the Core plan by offering advanced AI research capabilities and concierge-level support.

For those looking for a highly personalized experience, the White Glove plan is available at $899 every six months or $1,499 annually. This plan includes personalized coaching and unlimited support, making it ideal for users who want more hands-on assistance.

Disclosures:

• This content is for informational purposes only and does not constitute investment advice or a recommendation to buy or sell any security.
• Past performance is not indicative of future results. No guarantee of future performance or outcomes is implied.
• Savings and performance examples are hypothetical and for illustrative purposes only. Actual results will vary based on individual circumstances, portfolio composition, market conditions, and fees.
• Registration does not imply a certain level of skill or that the SEC has approved the company or its services.

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