Exposure X-Ray — see what you actually own across all your accounts
You could own Apple through six different ETFs. A single stock is 21% of your wealth without you knowing. Exposure X-Ray shows you every underlying holding, across every account.
Your “different” funds hold the same 80 stocks. Did you know that?
You own VOO and QQQ. Most of QQQ is already in VOO.
You own the Mag 7 three times over. That’s concentration, not diversification.
Your Fidelity 401(k) doesn’t know about your Vanguard IRA.
401(k) here. IRA there. Taxable somewhere else. Each brokerage shows their slice.
Your Fidelity target-date holds the same tech you own directly at Schwab.
Your concentration changes every day. So does Exposure X-Ray.
Markets move. Funds rebalance. You trade.
No spreadsheets. No quarterly reviews. NVDA surges 8% in a week — and it’s 18% of your portfolio before you notice.
Is Exposure X-Ray for you?
If any of these sound familiar, you need to see what you actually own.
You own ETFs or mutual funds
VOO for S&P 500. VTI for total market. QQQ for tech. Plus a 401(k) target-date fund. Different funds, different purposes. Diversified, right?
All four hold the same mega-cap tech — Apple, Microsoft, Amazon, Google, Meta. You could be 30–40% tech without knowing.
VOO and VTI share 500 stocks. You’re exposed to the same companies twice. See the overlap. Decide what to cut.
You have accounts at multiple brokerages
Different brokerages have different funds that track the same thing. FXAIX with Fidelity and VOO with Vanguard? QQQ with your E*Trade account and SCHG in Schwab?
Fidelity target-date 2050: 30% tech. Vanguard total market: 28% tech. Your Schwab stocks? Already your largest holdings through your funds. You’re more concentrated than any account suggests.
Each brokerage has its own fund to help you track the same basket of stocks. FXAIX and VOO are both tracking the S&P 500. This means you’re just paying multiple fees across different brokerages for the same exposure.
Your advisor says you’re “diversified”
Your advisor manages $800K. Solid portfolio, mostly index funds. But they don’t manage your 401(k) ($400K), old IRA ($200K), or spouse’s accounts ($300K).
They’re optimizing on 40% of your assets. Their recommendations might create concentrations with your other accounts. Not their fault — incomplete information.
Everything. Your advisor’s conservative allocation plus your aggressive 401(k) might be riskier than intended. Share your X-Ray so you can have a better-informed conversation.
See where you can optimize your portfolio after one quick call
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Book your onboarding call (5 minutes)
Talk with our founder to make sure Mezzi is right for you. We’ll walk through your situation and show you what Exposure X-Ray can find in your portfolio.
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Connect your accounts (2 minutes)
Link your accounts through Plaid, Finicity, or SnapTrade.
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See what’s available
Exposure X-Ray analyzes your portfolio and shows you what opportunities exist right now.
- Bank-level security
- SEC-registered investment advisor
- Read-only access
What Mezzi members discovered
Here’s what surprised me most: I discovered individual stock exposure I didn’t even know I had. Turns out my “diversified” ETF portfolio had significant overlap, with some companies appearing across multiple funds.
The hidden concentration is such a good feature. Particularly for those in tech who already hold a significant amount of company stock. They often forget those same holdings make up a large % of the index funds they own.
Most financial advisors don’t have access to this analysis
Exposure X-Ray uses institutional-grade analysis — the kind normally reserved for the wealthiest clients.
Your advisor probably uses
- Morningstar: fund-level analysis, not your real-time cross-account overlap.
- Planning tools: eMoney, RightCapital, MoneyGuidePro — these only categorize funds.
- Brokerage reporting: isolated to that brokerage and that account.
They don’t have tools that analyze every holding across all accounts.
What makes Exposure X-Ray different
- Every stock in every fund across every account
- True exposure to each company
- Sector, market-cap, and geographic concentrations
- Updates automatically
Even sophisticated DIY investors can’t calculate this manually. Too many moving parts.
Frequently asked questions
Stop guessing what you own.
The next market correction will reveal whether you’re diversified or concentrated. Better to find out now.
To Mezzi, you are the only client.
You'll never be prioritized based on net worth. There's no scheduling or wait times. You'll never hear "I have a hard stop" or "remind me about that again." With Mezzi, it's all, and only, about you.
