The Betterment alternative with a dedicated team
Betterment is the stronger choice for low-cost, automated investing with optional planner access. Nino is the broader choice when you want both a flat-fee CPA and CFP team and do-it-yourself software from $20/mo, year-round tax planning and filing, and equity and real estate coordinated in one place.
Nino vs Betterment
| Feature | Nino | Betterment |
|---|---|---|
| Flat fee | Nino (Flat fee): included | 0.25% of assets |
| In-house CPA / CFP | Nino (In-house CPA / CFP): included | Premium add-on |
| AI-powered client platform | Nino (AI-powered client platform): included | Betterment (AI-powered client platform): included |
| Account aggregation | Nino (Account aggregation): included | Limited |
| Tax optimization | Nino (Tax optimization): included | Betterment (Tax optimization): included |
| Equity module | Nino (Equity module): included | Betterment (Equity module): not included |
| Real estate module | Nino (Real estate module): included | Betterment (Real estate module): not included |
| Bank-level security | Nino (Bank-level security): included | Betterment (Bank-level security): included |
When to choose each
Choose Nino
Choose Nino if you want both a flat-fee CPA and CFP team and self-serve software, with year-round tax, equity, and real-estate planning.
Choose Betterment
Choose Betterment for low-cost automated investing with optional planner access.
Where Nino is stronger
A team in every plan
Betterment reserves financial-planner access for its premium add-on. Nino gives you a dedicated team of accountants and financial planners from $3,600/year and self-serve software from $20/mo.
A flat fee, not a percentage
Betterment charges about 0.25% of your assets a year, climbing as you save. Nino's advisor is one flat rate from $3,600/year.
Beyond the portfolio
Betterment manages investments. Nino coordinates your taxes, stock options, cash, retirement, and real estate as one plan.
Where Betterment is stronger
Low, automated fees
Betterment charges about 0.25% of assets a year for a managed, diversified portfolio.
Set-and-forget automation
Automated rebalancing and tax-loss harvesting run without you lifting a finger.
Solid tax-aware investing
Its automated tax-loss harvesting and asset location are strong for a robo-advisor.
Pricing
Drag your portfolio size to see what each would cost you a year.
- Nino
- $3,600 / year
- Betterment
- $2,500 / year
A flat $300/mo, billed annually. It stays the same as your balance grows, never a percentage of your assets.
About 0.25% of assets a year, so the fee climbs as your balance grows.