The Facet alternative with an accountant in the room
Facet is the stronger choice for straightforward, CFP-led financial planning at a flat fee, because it pairs you with a dedicated planner and low-cost portfolio management, including your asset allocation, for common retirement and investing goals. Nino is the broader choice when your finances need tax work too, especially when you want both a flat-fee CPA and CFP team and do-it-yourself software from $20/mo, with year-round tax planning and filing, and equity and real-estate coordination.
Nino vs Facet
| Feature | Nino | Facet |
|---|---|---|
| Flat fee | Nino (Flat fee): included | Facet (Flat fee): included |
| 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 | Facet (Account aggregation): included |
| Tax optimization | Nino (Tax optimization): included | Add-on |
| Equity module | Nino (Equity module): included | Facet (Equity module): included |
| Real estate module | Nino (Real estate module): included | Facet (Real estate module): not included |
| Bank-level security | Nino (Bank-level security): included | Facet (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 planning and filing, and equity or real-estate coordination.
Choose Facet
Choose Facet for straightforward retirement and investment planning with a dedicated CFP at a flat fee.
Where Nino is stronger
A CPA and a planner
Facet gives you a dedicated CFP. Nino gives you a dedicated CPA and CFP team and self-serve software from $20/mo, so tax strategy and financial planning come from one team that shares your full picture.
One team on your taxes
Facet handles tax as a separate add-on outside the planning relationship. Nino's in-house CPA works your taxes year-round and can file the return, so it reflects the plan you built together.
Beyond the portfolio
Nino tracks real estate as a pillar and models cash flow across every account, not just the investments a planner manages.
Where Facet is stronger
A dedicated CFP for core planning
Facet pairs you with a dedicated CFP for retirement, investing, and insurance planning at a flat annual fee, a strong fit for common financial-planning goals.
A low entry price
Facet's Core plan starts around $2,100 a year, a low entry point for households whose needs are mostly standard planning.
An established, at-scale service
Facet is a large, established flat-fee planning firm with a mature onboarding and advice process across many advisors.
Pricing
How the two fees compare.
- Nino
- A dedicated CPA and CFP from $3,600 to $12,000/year, or software from $20/mo self-serve, with federal and state tax filing included.
- Facet
- Flat fee of roughly $2,100 to $8,700 a year, set by the complexity of your plan.