Silvia vs. Mezzi: Features, Pricing and Best Fit

Silvia and Mezzi solve a similar problem: your financial life is scattered across institutions, and the best decision usually depends on seeing the full picture. Both connect accounts in read-only mode, analyze what you own, and use AI to help you understand the next decision. The important differences are the type of guidance they provide, the assets they emphasize, how proactive monitoring works, and what you pay for it.

The short answer is that Mezzi is the stronger fit if you specifically want non-discretionary investment advice from an SEC-registered internet adviser, with a concentrated focus on portfolio allocation, tax strategy, and retirement. Silvia is the stronger fit if you want a broader personal AI CFO that tracks your complete balance sheet, including assets outside a traditional portfolio, and helps you research, monitor, and reason across your financial life.

Neither platform takes custody of your money or places trades for you. You remain responsible for acting on the information or recommendations you receive.

Silvia vs. Mezzi at a glance

Best for Silvia: independent investors who want one AI system for public investments, crypto, real estate, private investments, vehicles, collectibles, liabilities, documents, ongoing research, and proactive Radars.

Best for Mezzi: U.S. investors who want registered, non-discretionary investment advice focused on allocation, fund exposure, tax-aware portfolio decisions, and retirement planning.

Core overlap: read-only account aggregation, AI conversations, portfolio analysis, retirement questions, tax-aware insights, and ongoing monitoring.

Main dividing line: Mezzi operates as an SEC-registered investment adviser for designated advisory features. Silvia describes its output as educational and positions itself as a personal AI CFO, not a registered investment adviser.

What is Mezzi?

Mezzi is a read-only wealth platform and SEC-registered internet investment adviser. Its Form CRS says it provides non-discretionary portfolio advisory services through its website. It analyzes linked accounts and can provide recommendations to buy, sell, or hold securities, but clients execute every transaction themselves.

Mezzi's product is organized around three areas: investment allocation, tax optimization, and retirement planning. Its Exposure X-ray looks through ETFs and mutual funds to reveal underlying company and sector exposure, fund overlap, concentration, and potential tax issues across connected accounts.

Mezzi can also surface tax-loss harvesting candidates, wash-sale risks, asset-location questions, Roth conversion considerations, retirement withdrawal sequencing, and portfolio drift. Its Delegations feature lets users assign recurring work to the system, while the Concierge plan adds setup help and quarterly coaching check-ins.

What is Silvia?

Silvia is a personal AI CFO for independent investors. It connects accounts, institutions, and asset classes into one view, then lets users ask questions, run research, analyze documents, build artifacts, and monitor financial conditions over time. Silvia's current product page describes support for bank and brokerage accounts, crypto, real estate, vehicles, debts, and other manually tracked assets. The company also describes stocks, bonds, private investments, collectibles, and precious metals in its public product announcement.

Silvia's Radar feature turns a financial question into an ongoing monitoring job. Instead of asking the same question manually, you can define what to watch and receive an update when the relevant condition changes. That is useful for portfolio concentration, idle cash, debt changes, asset values, financial news, tax-sensitive events, or a threshold tied to a goal.

Silvia has also built finance-specific models, tools, and primary-source libraries. In company-published, open-source benchmarks, Silvia ranked first among the AI products tested on tax, mortgage, and credit card questions. The most important limitation is that these are Silvia's own benchmarks, even though the questions and results were released publicly for inspection. Read the methodology and results in Silvia's tax benchmark article.

Feature comparison

Account aggregation and net worth

Both products connect financial accounts in read-only mode and can incorporate manually entered assets or liabilities. Both depend on the completeness and freshness of the data they can see.

Mezzi says it connects brokerage, retirement, cash, crypto, real estate, and liabilities through providers including Plaid, Finicity, SnapTrade, and Meld. Its product scope page emphasizes a unified net-worth view and the ability to share it with a family member, adviser, or CPA.

Silvia covers a wider set of assets in its main product narrative. Beyond bank and brokerage accounts, it is explicitly designed to track property, vehicles, crypto, private investments, collectibles, precious metals, liabilities, and other assets that may not appear in a brokerage portfolio. That makes Silvia especially useful when investable assets are only one part of the household balance sheet.

Portfolio analysis

Mezzi has the more clearly packaged portfolio diagnostic. Exposure X-ray decomposes funds into their underlying holdings and sectors, helping users identify duplicated exposure, concentration, fund fees, and allocation drift. Investors whose main question is, 'What do I really own inside these funds?' may find Mezzi's dedicated workflow immediately useful.

Silvia approaches portfolio analysis through a combination of consolidated holdings, conversational analysis, financial research, and ongoing Radars. It is a better fit when the portfolio question must be evaluated beside property, private assets, debts, cash needs, documents, and long-term household goals.

Tax capabilities

Mezzi has a strong portfolio-tax workflow. Its official tax page describes tax-loss harvesting opportunities, wash-sale risk, asset location, tax-aware rebalancing, gain and dividend treatment, retirement withdrawal order, and Roth conversion analysis. Mezzi explicitly says it does not prepare or file tax returns and does not provide legal or tax advice.

Silvia's tax advantage is broader research and question answering grounded in finance-specific data and primary sources. It is useful when a tax question involves more than portfolio mechanics, such as mortgages, credit cards, real estate, cash flow, documents, or a decision spanning multiple parts of the household. Silvia remains an educational tool, so transaction-specific tax decisions should still be reviewed with a qualified tax professional.

Retirement planning

Mezzi offers a structured retirement experience. It models a retirement timeline across linked accounts and considers savings, spending, allocation, Social Security timing, Roth conversions, required withdrawals, and withdrawal sequencing. This makes Mezzi appealing when retirement is the primary job to be done.

Silvia can also model scenarios and answer retirement questions, but its product is broader than a retirement planner. Silvia is likely the better fit when the retirement decision must incorporate hard-to-price assets, real estate, private holdings, family obligations, debt, documents, and changing goals in one ongoing financial memory.

AI, research, and proactive monitoring

Mezzi routes advisory questions through systems designed by financial professionals and uses informational AI for broader questions. Its current privacy policy says some informational features may send relevant portfolio data and questions to third-party frontier AI providers, while prohibiting those providers from using Mezzi data for model training.

Silvia emphasizes its own finance-specialized technology stack, financial research, document analysis, artifact creation, and Radars. Its benchmark work is relevant here because it measures not only answer accuracy but also the use of primary-source citations. Investors who frequently ask questions outside standard allocation and retirement workflows may value this broader research orientation.

The proactive features are conceptually similar but packaged differently. Mezzi Delegations assign recurring work within its advisory and analysis system. Silvia Radars turn questions into persistent monitors tied to connected data and research. The better choice depends on whether you want recurring portfolio-advice workflows or a more general financial monitoring layer.

Human support and advisory status

This is the clearest Mezzi advantage. Mezzi is registered with the SEC as an internet investment adviser, and designated features can provide non-discretionary investment advice. Its paid tiers include video, phone, and email support, while Concierge includes quarterly coaching check-ins and setup assistance.

Silvia does not position itself as a registered investment adviser and states that its information is educational, not financial advice. Silvia Max includes personal setup with a founder, but that is product onboarding rather than an advisory relationship. If regulated investment advice is a requirement, Mezzi is the more appropriate of the two.

Security and control

Both companies use a read-only model. Neither platform can transfer money or place trades through connected accounts, and neither acts as custodian for your assets.

Mezzi says authentication occurs inside the connection provider's flow and that Mezzi does not receive brokerage login credentials. Its privacy policy says it does not sell personal information or use it for advertising. Because Mezzi is a registered adviser, some advisory records and chat transcripts may be retained to satisfy regulatory requirements.

Silvia says bank credentials remain with Plaid, crypto connects through OAuth, data is encrypted in transit and at rest, access is read-only, and internal access is audited. Silvia also states that it is SOC 2 Type II certified. Read the detailed explanation in How Silvia Protects Your Financial Data.

Read-only access reduces transaction risk, but it does not make financial data unimportant. With either platform, use a unique password, enable the strongest available account security, review connected institutions, and understand the provider's deletion and retention rules.

Silvia vs. Mezzi pricing

Prices below were verified on October 5, 2026. Subscription terms can change, so confirm them before paying.

Mezzi Free: $0. Includes limited AI insights, connected assets and liabilities, collaboration with one family member, and Exposure X-ray. See the current Mezzi pricing page.

Mezzi Advisory: $39 per month, or $399 billed annually. It adds unlimited tax, retirement, and investment advice, five active Delegations, and video, phone, and email support.

Mezzi Concierge: $99 per month, or $999 billed annually. It adds unlimited Delegations, advanced AI for complex analysis, quarterly coaching check-ins, and setup assistance.

Silvia Free: $0 with no card required. It includes connected account and asset tracking, net worth, transactions, allocation, performance, and limited use of chat, research, and Radars. See the current Silvia pricing section.

Silvia Pro: $20 per month, or $200 billed annually. It increases monthly usage across Chat, Research, and Radars and adds the latest AI models, richer financial data, downloadable artifacts, queued follow-ups, and priority support.

Silvia Max: $200 per month. It provides ten times the Pro usage, early feature access, priority support, and personal product setup with a Silvia founder.

Silvia Pro costs less than Mezzi Advisory, but these plans are not interchangeable. Mezzi's price includes access to designated advisory services from a registered investment adviser. Silvia Pro pays for more use of an educational AI CFO and research platform. Compare the service category before comparing the dollar amount.

Which platform should you choose?

Choose Mezzi if

• You want non-discretionary investment advice from an SEC-registered internet adviser.
• Your main priorities are portfolio allocation, fund overlap, tax-aware investing, and retirement planning.
• You want a dedicated Exposure X-ray for ETFs and mutual funds.
• You value scheduled coaching and setup assistance at the highest tier.
• You are a U.S. user and Mezzi's supported account connections cover your institutions.

Choose Silvia if

• You want to track traditional investments alongside crypto, property, private investments, vehicles, collectibles, precious metals, and liabilities.
• You want a personal AI CFO for questions that cross investing, tax, mortgages, credit, cash flow, documents, and long-term goals.
• You want proactive Radars that keep monitoring a financial question over time.
• You value source-grounded research, document analysis, and downloadable financial artifacts.
• You want a lower-cost paid tier and do not require a registered advisory relationship.

Consider using both if

There is meaningful overlap, so most investors will not need both subscriptions. A combined setup can make sense for someone who specifically wants Mezzi's registered investment-advice workflow and portfolio X-ray while using Silvia for broader asset tracking, cross-domain research, documents, and Radars. If you use both, compare the underlying account data carefully and avoid treating two similar outputs as independent confirmation.

Questions to ask before choosing

1. Do I need regulated investment advice, or do I want educational analysis and research?
2. Which assets are missing from my current financial picture?
3. Is my main problem portfolio construction, or coordination across my entire financial life?
4. Do I want a dedicated fund X-ray, a flexible monitoring system, or both?
5. Which plan includes enough AI usage and human support for how often I will use it?
6. Are my institutions, wallets, and non-traditional assets supported?
7. How does each company store, process, retain, and delete my data?

Frequently asked questions

Is Mezzi a fiduciary?

Mezzi is an SEC-registered investment adviser, and its Form CRS says that when it acts as your investment adviser it must act in your best interest and not place its interests ahead of yours. Registration does not imply that the SEC endorses Mezzi or guarantees the quality of its advice. Confirm which feature and subscription create an advisory relationship before relying on that status.

Can Silvia or Mezzi trade for me?

No. Both platforms describe their financial account connections as read-only. Mezzi provides non-discretionary recommendations, which means you decide whether to act and place the transaction at your brokerage. Silvia provides educational analysis and monitoring but cannot move money or execute a trade.

Which is better for tax planning?

Mezzi is especially strong for tax decisions tied directly to an investment portfolio, including loss harvesting, wash-sale awareness, asset location, tax-aware rebalancing, and retirement withdrawals. Silvia is stronger when the tax question requires broader research across investments, property, mortgages, credit, documents, and the rest of the household. Neither product files a tax return, and transaction-specific tax decisions may require a qualified tax professional.

Which is better for complex assets?

Silvia has the clearer advantage for tracking a financial life that includes private investments, crypto, property, vehicles, collectibles, precious metals, and liabilities alongside traditional accounts. Mezzi can include several non-brokerage assets and liabilities, but its strongest analysis workflows remain centered on investments, taxes, and retirement.

Does either platform replace a human adviser?

That depends on the job. Mezzi can provide registered, non-discretionary investment advice through designated features, but it does not take custody, implement transactions, file taxes, or automatically cover every legal and estate-planning need. Silvia helps users understand and monitor their finances but is not a registered adviser. A human professional may still be appropriate for high-stakes tax filings, estate documents, insurance design, complex transactions, or decisions where accountability and professional judgment matter.

The bottom line

Mezzi and Silvia are both credible options for investors who want connected financial data and AI-assisted analysis without handing over custody or trading authority. Mezzi is more specialized around registered portfolio advice, tax-aware investing, and retirement. Silvia is broader, more research-oriented, and built to function as an ongoing intelligence layer across the entire household balance sheet.

Choose based on the decision you need help making. If you need formal investment advice and a tightly structured portfolio workflow, Mezzi has the clearer advantage. If you want one system to remember, research, monitor, and connect more of your financial life, Silvia is likely the better fit.

Build your complete financial picture with Silvia

Sources

Mezzi pricing and membership plans

Mezzi product scope and read-only boundaries

Mezzi investment allocation features

Mezzi tax optimization features

Mezzi retirement planning features

Mezzi privacy policy

Mezzi Form CRS

Silvia product, pricing, and security

Silvia finance benchmark announcement

Silvia asset tracking announcement

This article is for educational purposes only and does not constitute personalized financial, investment, tax, or legal advice. Product capabilities and prices were reviewed on October 5, 2026 and may change.