Nino

Nino is a personal financial planning service that pairs a dedicated team of credentialed professionals with AI-assisted planning software. Rather than handing you another dashboard and wishing you luck, it gives you a real CPA and a real CFP who build and maintain a single financial plan that stays current as your life changes. The pitch is that the kind of coordinated wealth management usually reserved for very affluent clients should be within reach of more people, at a flat fee.

The problem it's solving is fragmentation. Most people with a bit of financial complexity end up with their taxes in one place, their investments in another, their equity compensation in a spreadsheet, and their big decisions made in isolation. Nino's whole premise is to pull taxes, investments, stock options, cash flow, and real estate into one always-current plan, so those pieces actually talk to each other instead of being optimized separately and quietly pulling in different directions.

How it works is straightforward. You start with a short demo call, around 25 minutes, where the team looks for savings opportunities in your situation. From there an accountant and a planner build a personalized strategy, and then you meet for quarterly reviews to adjust as things change, whether that's a new job, a house, or a liquidity event. Because it's a managed service, the work happens on your behalf rather than being one more thing you have to drive yourself.

The scope of what the team handles is wide. There's tax optimization and filing, equity compensation and stock-option planning, retirement forecasting built on Monte Carlo simulations, modeling for a home purchase or other major life decisions, real estate planning, and estate and legacy work. Multi-state tax guidance is included for people whose lives cross state lines, and crypto holdings can be folded in through a CoinTracker integration so nothing important sits outside the plan. It's a lot for one person to hold in their head, and the point of bundling a CPA with a CFP is that the tax side and the planning side are handled by people who talk to each other rather than two separate professionals you'd otherwise have to coordinate yourself.

Underneath the advice, Nino aggregates your accounts so the team is always working from a full, current picture rather than whatever you happened to mention on a call. That's what lets the plan stay coordinated, since a decision about equity or a home purchase can be weighed against your taxes and cash flow at the same time instead of in a vacuum. The software handles the always-on modeling and monitoring while the humans make the judgment calls, which is the split the whole product is built around.

On the trust and security side, Nino connects to your accounts read-only and never moves your money, so it advises and plans without ever touching your funds. It uses bank-level encryption and states plainly that your data is never used to train AI. For anyone nervous about mixing an AI-forward product with their entire financial life, those boundaries are the reassurance that the humans and the software stay firmly in an advisory lane.

It's aimed at a specific kind of person. Founders, executives, and professionals with stock options, multiple accounts, or business income are the sweet spot, along with higher-net-worth families who need coordinated tax and financial planning. If your finances are a single paycheck and a savings account, this is more than you need. If you've got equity, several income sources, and decisions that interact in complicated ways, that's exactly the mess it's built to untangle. The flat fee tends to look most reasonable for exactly this group, since a percentage-based advisor gets more expensive as your assets grow while Nino's price stays put no matter how large the plan it's managing becomes.

Pricing is a flat annual fee rather than a percentage of your assets, which is a meaningful break from traditional advisors who take a slice of everything you own. The tiers run from Core at $2,000 a year, to Plus at $3,500, to Ultra at $6,000 and up, with tax filing available as an add-on that costs extra at each level. There's a 30-day money-back guarantee and you can cancel anytime, so the commitment is lower than the annual figure suggests. Access starts with a demo call rather than instant signup, since the service depends on matching you with a team, and that call doubles as a chance to see whether the savings it finds would cover the fee before you commit to anything.