Question 1

What does Nino cost, and why a flat fee instead of a percentage of assets?

Accepted Answer

Nino charges a flat fee, not a percentage of your assets under management (AUM). Work with a dedicated CPA and CFP on an Advisor Plan starting at $3,600/year, with federal and state tax filing included, or run the software yourself from $20/mo. Final Advisor Plan pricing may vary based on the scope and complexity of your financial profile and is disclosed before enrollment. Advisor fees are not tied to your investment balance. A 1% AUM fee climbs as you save, so on a $1M portfolio it is about $10,000 a year and rises from there.

Question 2

What is the 'no AUM' model, and how is it different from a traditional advisor?

Accepted Answer

A traditional advisor is paid a percentage of the money they manage, so their fee grows with your portfolio and they are incentivized to gather assets. Nino manages no assets and takes no percentage. You keep your investments where they are and connect them as read-only. Nino is paid a flat fee for planning and tax work, so the advice is not tied to how much you invest through them.

Question 3

Does Nino handle equity compensation like RSUs, ISOs, and NSOs?

Accepted Answer

Yes. Equity planning is one of the main things Nino does. Nino models RSU vesting and the withholding gap, plans when to exercise and sell options, tracks the AMT exposure on ISOs, and coordinates those decisions with your other income so an exercise or vest does not create a surprise tax bill. See the guides on RSUs vs options and the 83(b) election for the mechanics.

Question 4

How does Nino integrate tax planning and filing?

Accepted Answer

Advisor Plans pair a CPA and CFP on the same team, so strategy and taxes are not siloed. Nino plans your taxes year-round rather than only at filing time, and every Advisor Plan includes federal and state tax filing. Because the same team sees your full picture, the plan and the return stay consistent.

Question 5

Can Nino handle crypto?

Accepted Answer

Yes. Nino connects your crypto through its CoinTracker integration, so your cost basis and capital gains flow into the same plan as your equity, cash, and real estate, and are accounted for in your tax planning.

Question 6

Who is Nino for?

Accepted Answer

People who want a dedicated CPA and CFP handling their tax and financial planning together, under one flat fee. That includes high earners and anyone whose finances have outgrown a simple setup: multiple accounts, business income, real estate, equity compensation, or crypto.

Question 7

Do I have to move my investments to work with Nino?

Accepted Answer

No. Your accounts connect as read-only, so Nino can see and plan but never moves your money. You keep your existing investment accounts and add a dedicated team to coordinate the rest of your plan.

Question 8

Is my financial data safe?

Accepted Answer

Yes. Accounts connect as read-only, everything is protected with bank-level encryption, your data is never sold, and it is never used to train AI. See the security page for details.

Question 9

Is Nino part of CoinTracker?

Accepted Answer

Nino is built by the team behind CoinTracker, the same team that's helped 3M+ people make sense of their crypto taxes since 2017. Nino picks up where crypto taxes leave off: your crypto holdings sync in automatically through CoinTracker, alongside your investments, equity, cash, and real estate, so your team sees a complete picture from day one.

Question 10

How is Nino different from robo-advisors or other flat-fee services?

Accepted Answer

Robo-advisors manage a portfolio for a percentage of assets and do not plan or file your taxes. Among flat-fee services, Nino's Advisor Plans pair a dedicated CPA and CFP on one team, include year-round tax planning and filing, handle equity and crypto, and start at a lower flat fee. The comparison pages break this down provider by provider.

Question 11

Is there a money-back guarantee, and can I cancel?

Accepted Answer

Every Advisor Plan comes with a 30-day money-back guarantee, and you can cancel whenever you like. The software on its own comes with a 7-day free trial.

Frequently asked questions