The Schwab alternative with a flat fee and taxes handled
Schwab is the stronger choice for low-cost, hands-off investing, from a no-advisory-fee automated portfolio to a dedicated advisor at higher balances. Nino is the broader choice when you want a flat-fee CPA and CFP team who plan and file your taxes, plus do-it-yourself software from $20/mo, with equity and real estate coordinated alongside your investments.
Nino vs Schwab
| Feature | Nino | Schwab |
|---|---|---|
| Flat fee | Nino (Flat fee): included | 0.80% (advisor) |
| In-house CPA / CFP | Nino (In-house CPA / CFP): included | Advisor at $500k+ |
| AI-powered client platform | Nino (AI-powered client platform): included | Schwab (AI-powered client platform): not included |
| Account aggregation | Nino (Account aggregation): included | Limited |
| Tax optimization | Nino (Tax optimization): included | Harvesting only |
| Equity module | Nino (Equity module): included | $500k+ tier |
| Real estate module | Nino (Real estate module): included | Schwab (Real estate module): not included |
| Bank-level security | Nino (Bank-level security): included | Schwab (Bank-level security): included |
When to choose each
Choose Nino
Choose Nino if you want a flat-fee CPA and CFP team on your taxes, plus self-serve software, with coordinated equity and real-estate planning.
Choose Schwab
Choose Schwab for low-cost automated investing, or a full-service brokerage with an advisor at higher balances.
Where Nino is stronger
A flat fee, not a percentage
Schwab Wealth Advisory starts around 0.80% of assets a year and tiers down at higher balances, so the cost grows with your portfolio. Nino's software is a flat $20/mo and its advisor a flat $3,600/year, whatever your portfolio.
Taxes planned and filed in-house
Schwab manages portfolios tax-efficiently but doesn't prepare your return, and its advisors don't give tax advice. Nino's in-house CPA plans your taxes year-round and can file.
A dedicated team from day one
Schwab's dedicated Wealth Advisory starts at a $500,000 minimum. Nino gives every client a dedicated CPA and CFP with no asset minimum.
Where Schwab is stronger
A no-advisory-fee robo option
Schwab Intelligent Portfolios charges no advisory fee (it holds a required cash allocation), a low-cost entry to automated investing.
A full brokerage behind it
Schwab pairs investing with banking, trading, and a large branch and support network.
Established and at scale
Schwab is one of the largest brokerages in the US, with a deep, mature platform.
Pricing
How the two fees compare.
- Nino
- A dedicated CPA and CFP from $3,600/year, or software from $20/mo self-serve. Never a percentage of your assets.
- Schwab
- No advisory fee for the automated portfolio; a dedicated advisor (Wealth Advisory) starts around 0.80% of assets with a $500,000 minimum.