The Empower alternative with a flat fee and a CPA on your taxes
Empower is the stronger choice if you want a free net-worth dashboard and human-managed investing at higher balances. Nino is the broader choice when you want both a flat-fee CPA and CFP team and do-it-yourself software from $20/mo instead of about 0.89% of assets, an in-house CPA who files your taxes, and equity and real estate coordinated in one plan.
Nino vs Empower
| Feature | Nino | Empower |
|---|---|---|
| Flat fee | Nino (Flat fee): included | ~0.89% of assets |
| In-house CPA / CFP | Nino (In-house CPA / CFP): included | CFP only |
| AI-powered client platform | Nino (AI-powered client platform): included | Limited |
| Account aggregation | Nino (Account aggregation): included | Empower (Account aggregation): included |
| Tax optimization | Nino (Tax optimization): included | Empower (Tax optimization): included |
| Equity module | Nino (Equity module): included | Limited |
| Real estate module | Nino (Real estate module): included | Tracking only |
| Bank-level security | Nino (Bank-level security): included | Empower (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, an in-house CPA who files your taxes, and coordinated equity and real estate.
Choose Empower
Choose Empower for a free financial dashboard and human-managed investing at higher balances.
Where Nino is stronger
A flat fee, not a percentage
Empower charges roughly 0.89% of assets a year, so the cost climbs as you save. Nino's software is a flat $20/mo and its advisor a flat $3,600/year, no matter how much you have.
A CPA on your taxes
Empower's advisors manage investments but don't file your taxes. Every Nino Advisor Plan includes year-round tax planning and filing from an in-house CPA.
Beyond the portfolio
Empower centers on managing your investments. Nino coordinates your taxes, equity, cash, retirement, and real estate as one plan.
Where Empower is stronger
A free financial dashboard
Empower's free net-worth and portfolio tools are among the best available.
Human advisors at higher balances
Its managed service pairs you with advisors once you meet the $100,000 minimum.
Established and at scale
Empower, formerly Personal Capital, is a large, well-known manager.
Pricing
Drag your portfolio size to see what each would cost you a year.
- Nino
- $3,600 / year
- Empower
- $8,900 / year
A flat $300/mo, billed annually. It stays the same as your balance grows, never a percentage of your assets.
About 0.89% of assets a year, so the fee climbs as your balance grows.