Nino vs Facet 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 an in-house CPA, year-round tax planning with filing, and equity and real-estate coordination.
Nino vs Facet
| Core 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 |
Compare Nino with others: Nino vs Monarch Money Nino vs Origin Nino vs Range Nino vs Domain Money Nino vs Empower 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 if you also need an in-house CPA, 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 pairs a planner with an accountant, 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, close to Nino's 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
- Flat fee from $2,000 to $6,000 a year, with tax-return filing as an add-on from $1,000.
- Facet
- Flat fee of roughly $2,100 to $8,700 a year, set by the complexity of your plan.
Sources: Facet plans and pricing Nino pricing
Pricing and features change; confirm current details on each company's site.
Frequently asked questions
See what switching from Facet saves
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.
Book a demo