A few months ago I was sitting at dinner with close friends, and I found myself silent from astonishment. We had landed on money. We were talking about what each of us was doing with it, a topic most people will not touch.
I went quiet.
One friend was sitting on thousands of dollars of options he did not realize would expire after he left the company. Another had no idea what was on his last tax return. A third said, almost casually, “my husband handles all that,” and shared she did not have access to their accounts. A fourth was not sure whether her company shares were RSUs or options.
These are smart, employed, accomplished people. One runs an engineering team. Two have graduate degrees. None of them are “bad” with money. They just do not own their finances, because nobody ever told them they were supposed to, and they “trust the experts”.
I got lucky in a specific way. My dad treated my finances like my responsibility from the beginning. Not in an overbearing way, more like, this is yours, you should know what is happening with it. I remember he asked me once how my investment in a robo fund was performing. We went back and checked it, and it was underperforming the S&P 500 by many percentage points for years.
The thing that has stuck with me since that dinner is not that my friends were doing something wrong. It is that the system around them is set up to keep them where they are. Personal finance is taboo to talk about. The good advice lives behind a $5,000 retainer. There are budgeting apps that show you what you already spent or brokerages that want you to trade more. Nothing connects the picture. Nothing tells you where you stand. Nothing gives you control.
People at the very top of the wealth distribution do not have this problem. They have entire teams of people in their family offices managing the picture for them. Everyone else gets a separate CPA or CFP, or a Mint replacement and a TurboTax flow, if anything at all.
That gap is the whole reason Nino exists.
The same team that built CoinTracker, the leading crypto tax product, is now building Nino for everything else. Your assets, your cash flow, your taxes, in one place, treated as one system, because that is what they actually are.
In the beta, Nino:
- Pairs you with a vetted CFP and CPA. Real human experts, not a chatbot pretending.
- Shows you your full picture: investments, accounts, home value, net worth, without you having to assemble it in a spreadsheet.
- Lets you actually file your taxes, with the planning and the filing connected instead of sitting in two different tools that do not talk to each other. You do not suddenly pay in April when you cannot optimize anything from the year before.
- Uses AI where AI is actually useful: answering your specific questions about your specific situation. Not “what is a Roth IRA” but “what does maxing my Roth this year do to my taxes given everything else you know about me.”
If any of this resonates, I would love for you to try it and tell us what you think: join the waitlist.
I am not going to claim Nino fixes the taboo around talking about money. But I think it can fix the part where people fly blind because nobody made the picture legible to them. That is the bet. We would love for you to join us for dinner.