I started working on Nino because I was flying blind with my own money, and I had every reason not to be.
I had a CPA filing my taxes. I had brokerage accounts, a mortgage decision in front of me, and equity I didn’t really understand. What I didn’t have was anyone who could see all of it at once. Every person I paid, however skilled, however licensed, held one slice of the picture. My CPA knew last year’s return. Nobody was building a strategy that was actually alive: one that moved when my life moved, when the market shifted, when the tax rules changed.
So I did what most people do. I made a best guess on whether to buy or keep renting, based on interest rates and a gut read of the market. I stumbled into an equity tax strategy almost by accident. I found it when I was trying to figure out my CoinTracker offer. My financial life was a quilt of ideas I hoped were stitched together. And I was paying attention. Most people are too busy to.
It turns out I wasn’t alone.
What our users kept telling us
Over the last few months we talked to a lot of friends, family, and users in this spot: smart, high-earning, equity-heavy, and with little time to manage their finances. They wanted the same things:
- An always-current view of net worth: investments, equity, home, cash, etc.
- Professionals who were looking at the whole situation: a vetted CFP and CPA who worked together.
- To understand their equity: when to exercise, what it costs, and what it triggers.
- A year-round tax strategy, not a once-a-year scramble in April. They hate the stress of the April file.
- A way to model the big decisions (start a company, buy a house) against their real numbers.
- AI that knows their situation. Not sure how a Roth conversion or AMT works? Ask, and get an answer built on your actual data.
That list is what we used to build the product.
What Nino is
Nino is the operating system for your financial life: a dedicated CFP and CPA team, backed by software that connects your taxes, equity, investments, cash, and real estate into one plan, and keeps it current.
What you can do:
- Get a full view: Connect all your accounts and see your full financial picture in one place
- AI analysis. Ask anything about finances and get advice that’s actually personalized, because our AI is built on financial data and knows your situation
- A regular cadence with a CPA and CFP: Meet with a licensed professional to verify the information and build a personalized plan.
- Equity: Make smarter decisions about equity comp (ISOs, RSUs, AMT, 83(b))
- Tax strategy and filing: Create a tax plan during the year and file with Nino
- Real estate: Understand cash flow and model the big questions, like “should I sell?”
- Spending and transactions: Get an accurate, current view of cash flow
- Crypto: See crypto fully integrated, powered by CoinTracker
The thing almost no one else does well: we connect tax planning to tax filing. The gap between the two is where most people quietly lose money. We close this gap.
The question we get most: “What do I do with my options?”
This is one example of how Nino handles a complex situation.
Say you’re holding 181,231 vested ISOs at an $0.08 strike. Open the Simulate tab and model an exit. Exercising costs about $14,498. Sell at $0.16 and you net roughly $14,498, a 2× return. Drag the sliders and every number updates in real time: exercise cost, proceeds, AMT exposure, break-even.
But the real value is everything Nino flags around the math. It reads your grant and tells you what actually matters:
- You’re 31% vested, with the next batch unlocking soon, and these options don’t expire until 2035, so there’s no rush.
- No 409A on file yet, so we can’t price your bargain element or AMT exposure precisely. Add one and we will.
- ISOs can trigger AMT if you exercise and hold. Plan which tax year you do it in.
- Your equity is concentrated in a single company. Maybe that’s intentional, in which case we support it. But maybe you’re taking on undue risk.
Then it tells you what you could actually do: exercise 12,082 shares at your next vest for about $967, or look at early-exercising with an 83(b) election to start the long-term capital-gains clock now. And when you’re staring down a large exercise, your CPA is one message away, before you pull the trigger, not after.
That’s the difference between simply filing your stock plan and having a plan with it.
The same goes for every other big decision. Ask “can I afford this $650K house?” and watch the answer resolve across your taxes, retirement, and cash flow, before you commit, not after.
The early results
We’re in beta, and the early signal is exactly what we hoped for. One customer found $6,800 in tax savings on their first call, an opportunity their previous accountant had missed entirely. Many people find enough in the first 30 days (tax savings, smarter investments, tax-loss harvesting) to cover the cost of the plan.
So we made that the deal: a 30-day money-back guarantee, and you can cancel anytime. Flat fee, no AUM, starting at $2,000 a year.
Get in
If any of this sounds like your financial life, book a free consultation. We’re letting people in deliberately, and Nino will confirm you’re a fit before you commit.
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