Tax and financial planning built to grow your net worth

It means personal attention from a dedicated team that connects your taxes, investment guidance, equity, and retirement planning. On an Advisor plan, your CPA and CFP work together on your household’s financial plan and tax returns, with forecasts and Tracks to help you act. You do not need millions in assets to work with Nino, and you pay a flat annual fee. Nino focuses on tax and financial planning; it does not provide legal or lifestyle concierge services.

Tracks are workspaces for financial decisions and projects, such as buying a home, exercising stock options, or preparing your tax return. Each Track keeps the plan, tasks, and conversation together. On an Advisor plan, your team helps you work through the next steps.

Compare how changes to income, spending, a home purchase, or retirement timing could affect your projected cash flow and net worth. Forecasts depend on the assumptions you choose and are estimates, not guaranteed outcomes. Your CFP can help interpret them on an Advisor plan.

You can choose either AI software on its own or software + services. The software brings your accounts together, answers questions, and helps you explore financial decisions. With services, a human CPA and Financial Planner team builds your financial plan, handles tax planning and filing, and helps put the plan into action.

Yes. Start with a 7-day software trial, with no credit card required. Add financial and tax services when you want human advice and help carrying out your plan. Every Advisor plan includes Ultra software.

People whose money is spread across accounts, investments, stock grants, property, or a business, and anyone who wants a clearer plan. Nino helps you see how a decision in one area affects the rest.

No. Your money stays with your financial institutions. Nino uses read-only account connections to bring your information together; connecting an account does not authorize transfers or trades.

Your accountant (CPA) and Certified Financial Planner (CFP) build your financial plan, plan and file your taxes, and help you act on decisions about retirement, investments, equity, and other goals. The services included and advisor access depend on your plan.

AI software plans cost $20, $100, or $200 per month. Software + services starts at $3,600 per year and includes Ultra software, a human CPA and Financial Planner team, and tax filing. Service pricing depends on the work and complexity; you receive a quote before joining.

Many financial advisors charge a percentage of the assets they manage, often around 1% a year. On a $1M portfolio, that is $10,000 a year, and the fee grows as your assets do. Nino charges a flat fee starting at $3,600 a year for a dedicated CPA and Financial Planner team, whatever your portfolio size, with tax filing included.

Betterment is an automated financial advisor that manages your investments for a percentage of your assets and does not file your taxes. Range and Facet are flat-fee planning memberships, but Facet includes tax filing only on plans from $5,500 a year, through a partner, and Range only on its $12,500-a-year Titanium plan. Nino puts a fee-only financial advisor (a Financial Planner) and an in-house CPA on one team from $3,600 a year, with federal and state tax filing included on every plan. Nino is also the only one of the three whose AI-powered personal finance app you can use on its own, from $20 a month, to proactively find ways to save you money.

You can cancel your subscription. Advisor plans include a 30-day money-back guarantee. The terms explain when cancellation takes effect and when a refund applies.

Yes. Nino is built by the team behind CoinTracker. You can bring crypto information from CoinTracker into Nino alongside your other finances.