What Mezzi Does — and What It Doesn't

Last updated: August 20, 2026

Overview

Mezzi is a read-only wealth platform. It connects to your financial accounts, brings them into one picture, and gives you AI-driven advice on allocation, taxes, risk and returns. It does not execute trades, move money, file or prepare your tax returns, or hold your assets — Mezzi is not a custodian and never has the ability to transfer funds.

📌 What You Need to Know

What Mezzi does

  • Aggregates your accounts. Brokerage, retirement, cash, crypto, real estate and liabilities, connected through Plaid, Finicity, SnapTrade and Meld — or added manually — so your entire net worth sits in one place.

  • Analyzes what you hold. Asset allocation, true sector and holding-level exposure through Exposure X-ray, fund fees, income, and daily through historical profit and loss.

  • Gives advice. Mezzi's AI answers questions about your actual portfolio: tax-saving opportunities, risk and return, retirement planning, and proactive insights when something changes. AI access is limited on the free tier; unlimited AI advice starts at Core.

  • Shares the picture. You can collaborate with a family member, advisor or CPA on the same view.

What Mezzi does not do

  • It does not place trades. Mezzi will surface an opportunity — a wash sale risk, a concentrated position, a higher-fee fund with a cheaper equivalent — but you execute at your brokerage. There is no trade button, and no way to authorize Mezzi to trade on your behalf.

  • It does not move money. Connections are read-only. In Mezzi's own words: "We do not have the ability to trade or transfer funds from your accounts." No transfers, no bill pay, no rebalancing.

  • It does not file your taxes. Mezzi gives tax-savings advice — harvesting candidates, holding-period awareness, withdrawal and donation sequencing — and it can help you understand the consequences of a move. It does not prepare returns, generate tax forms, or file anything. Your brokerage still issues your 1099s.

  • It is not a custodian. Your assets stay at your existing institutions. Mezzi holds no accounts and never takes possession of your money or securities.

  • It does not hold your login credentials. Authentication happens inside the provider's flow. Your credentials are never shared with Mezzi.

Why the read-only boundary matters

The narrow scope is the security model, not a missing feature. Because Mezzi only ever reads, a compromise of your Mezzi account cannot result in money leaving your brokerage. That's also why you'll never be asked for wiring details or asked to grant trading authority.

Important Notes

  • Mezzi's advice is only as complete as what it can see. The footer disclosure says it plainly: to the extent information isn't provided to Mezzi, it won't capture the changes or opportunities in it. If an account is missing, add it — manually if the institution isn't supported.

  • Mezzi also depends on third-party data providers, so figures can lag or arrive imperfect. If a number looks wrong, it usually is a sync or data issue rather than an error in your brokerage.

🗨 Still Need Help?

If you're unsure whether something is in scope, email help@mezzi.com or text or call (415) 763-6997.

Common Questions

  • Can Mezzi buy or sell securities for me? No. Mezzi is read-only and cannot place trades. It can tell you what it would consider and why; the order goes through your brokerage.

  • Does Mezzi do my taxes? No. Mezzi gives tax-savings advice on your actual holdings but does not prepare, generate or file tax returns. Your institutions still issue your tax documents.

  • Does Mezzi hold my money? No. Mezzi is not a custodian or a broker. Your assets remain at the institutions where they already are.

  • Can Mezzi see my passwords? No. Account authentication is handled inside the connection provider's flow, and your credentials are never shared with Mezzi.