Nino vs Empower 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 a flat fee 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
| Core 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 |
Compare Nino with others: Nino vs Monarch Money Nino vs Origin Nino vs Range Nino vs Facet Nino vs Domain Money Nino vs Betterment Nino vs Wealthfront Nino vs Fidelity Nino vs Vanguard Nino vs Schwab Nino vs Merrill Nino vs Northwestern Mutual Nino vs Harness Wealth Nino vs Playbook
When to choose each
Choose Nino
Choose Nino for a flat fee, 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 is one flat fee from $2,000, no matter how much you have.
A CPA on your taxes
Empower's advisors manage investments but don't file your taxes. Nino's in-house CPA plans your taxes year-round and can file your return.
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
- $2,000 / year
- Empower
- $8,900 / year
Flat fee, from $2,000. Set by the complexity of your finances, not your balance, so it stays put as you grow.
About 0.89% of assets a year, so the fee climbs as your balance grows.
Sources: Empower pricing Nino pricing
Pricing and features change; confirm current details on each company's site.
Frequently asked questions
Swap a percentage for a flat fee
Book a free 25-minute demo. You'll leave with a clear read on where you stand and at least one concrete way to save or earn more, whether or not you become a client.
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