Will this replace my CPA?

No. Your CPA prepares your return and ensures compliance. Tax Optimization finds opportunities throughout the year so there's less tax to report in April. They work together.

Mezzi provides bank-level security with read-only access to your accounts and is an SEC-registered investment advisor.

Tax planning

Keep more of what you earn

Mezzi surfaces tax considerations across your entire portfolio, from tax-loss harvesting opportunities to wash-sale risks, and explains what to do about them. *Mezzi does not provide legal or tax advice.

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Expert answers to your tax questions

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How do I lower my tax bill this year?

Mezzi scans your holdings for tax-aware moves, from loss harvesting to asset location and timing, that can reduce what you owe.

Should I harvest losses, and how do I avoid a wash sale?

Mezzi surfaces harvesting opportunities and flags the replacement purchases that would trigger a wash sale, so the loss actually counts.

Which account should I withdraw from first?

Mezzi sequences withdrawals across your taxable, tax-deferred, and Roth accounts to keep your lifetime tax bill as low as possible.

How are my gains and dividends taxed?

Mezzi breaks down your short- and long-term gains and your qualified and ordinary dividends so you can see the tax impact before you act.

How do I save on my tax bill?

Mezzi

You could save an estimated $94,000 with these strategies:

Roth conversion $38,000

Health savings account $22,000

Tax-loss harvesting $19,000

Asset location $15,000

Illustrative conversation only. The $94,000 figure and strategy amounts are hypothetical examples, not a savings estimate or actual client result. Tax outcomes depend on your holdings, account types, transactions, tax rates, and applicable law. Mezzi does not provide legal or tax advice.

Go deeper with Mezzi

Tax savings

2%¹ tax alpha

Starting value $100,000

Without tax alpha $185,000

With tax alpha $223,000

¹ Research context: Goldberg, Hand, and Cai, “Tax-Managed Factor Strategies,” Financial Analysts Journal (2019), CFA Institute reports 2.26% average annual tax alpha for a tax-managed indexing strategy, driven largely by loss harvesting and dependent on short-term gains available to offset. Separately, Vanguard's asset-location research (2026) models up to about 0.3 percentage points annually for certain investors. These studies measure different strategies and their results cannot be added together. The chart is a hypothetical illustration of a 2 percentage point difference in annual after-tax growth: $100,000 compounded for 10 years at approximately 6.35% versus 8.35%, with no deposits or withdrawals. Neither study measures Mezzi, and the chart is not an actual client result, a measured Mezzi benefit, or a typical expected outcome. Actual results depend on the strategies implemented, returns, taxes, fees, account types, transactions, and time horizon. Mezzi does not provide legal or tax advice.

Asset location

Mezzi looks across your taxable, tax-deferred, and Roth accounts to identify where different investments may be held more tax-efficiently.

Holistic planning

Mezzi brings your linked accounts together to show how gains, losses, dividends, and portfolio changes may affect your overall tax picture.

Personalized guidance

Your holdings, filing status, income, tax bracket, and goals shape every recommendation. Generic advice has no place here.

Tax-aware rebalancing

Mezzi finds ways to bring your portfolio back into balance while limiting unnecessary taxes.

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.