Your wealth, fully managed for married couples
A flat-fee CPA and financial planner team that gives you personalized, holistic advice across your taxes and financial plan. We build one plan for both of you, coordinate two incomes and two sets of benefits, and file your joint return.
What we handle for couples
Two incomes, two sets of accounts and one set of goals, planned as a household.
- 01
One plan for both of you
Your financial planner builds a single plan for shared goals, such as a home, children, time off or retirement, that still reflects where your priorities differ.
- 02
Two sets of workplace benefits
Which 401(k) gets the next dollar, whose health plan covers the family, and whether a dependent care FSA ($7,500 in 2026) pays off. We compare both employers’ options together.
- 03
Your joint return
Plus includes joint filing and multi-state filing. Your CPA prepares the return, splits income across states when you live or work in more than one, and files after you approve it.
- 04
Retirement saving for two
A spouse who is not working can still fund an IRA on a joint return, and each of you can use a backdoor Roth when income passes the Roth limit.
- 05
College and family gifts
Each of you can give $19,000 a year to any one person, $38,000 together, and a 529 can take five years of gifts at once with a gift tax return. We fit college saving around your own retirement.
- 06
Wills and beneficiaries
Without a will, state law decides who inherits, and a spouse does not necessarily receive everything. We check beneficiaries and account titles and coordinate with your attorney.
How Nino helps couples
Most couples split the money work, so neither person sees all of it. On the Plus plan your CPA and financial planner plan for both of you, meet with you together, and file your joint return from the same picture.
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A shared plan in your first two weeks
Your CPA and financial planner build your tax and financial plan from both partners’ accounts, incomes and goals, then revisit it every quarter with both of you in the meeting, and ad hoc access in between.
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Family access in the software
Every software plan includes access for you and your partner, so you both see the same accounts and can ask Nino’s AI how a decision changes the household numbers.
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Filing that follows the plan
Your CPA files the joint return using the decisions you made during the year, such as contributions, conversions and sales, and nothing is filed until you approve it.
What should couples decide together?
Four conversations that change a household’s taxes and its plan.
Joint or separate returns
Most couples file jointly. Filing separately changes many thresholds: the net investment income tax starts at $125,000 instead of $250,000, and the capital loss deduction drops to $1,500. Your CPA compares both before filing.
How much cash to keep
With two steady incomes, three months of essential expenses is a common reserve. With one income, plan on six. Agree on the number before investing the rest.
Who owns what
A shared view does not change legal ownership or beneficiary designations, which override a will. Keep both current after a marriage, a birth or a move.
Paying for college
A 529 can now roll up to $35,000 into the beneficiary’s Roth IRA once the account is 15 years old, which lowers the cost of saving too much. See 529 plan changes.
Pick your plan
Every Advisor plan includes a CPA and financial planner team, federal and state tax filing, and our Ultra software.
Essential
- Everything in Ultra software, plus:
- A dedicated CPA and Financial Planner team for you
- Single-filer return, quarterly taxes included
- Retirement & equity planning
- Quarterly advisor access
- Rentals
- 0
- K-1s
- 0
- States
- 1
- Brokerage
- 3
Plus
Most Popular- Everything in Essential, plus:
- A dedicated CPA and Financial Planner team for you and your spouse
- Married filing jointly return, international coverage included
- One coordinated plan for both of you
- Quarterly and ad hoc advisor access
- Rentals
- 2
- K-1s
- 5
- States
- 3
- Brokerage
- 5
Premier
- Everything in Plus, plus:
- Business bookkeeping and tax filings, priced by complexity
- Joint or single return, complex international coverage
- Advanced equity & estate planning
- Priority advisor access
- Rentals
- 5
- K-1s
- 10
- States
- 5
- Brokerage
- 10
Software plans starting from $20 a month
Our AI financial assistant on its own, with a 7-day free trial.
Guides for couples
Read up on these decisions, or run your own numbers.
How Much of Your Paycheck Should You Save?
The usual answer is 15% to 20% of pay. High earners usually need more, because Social Security replaces less of a large salary. Here is the order to save in.
Read guideWhat Happens When You Die Without a Will?
State law determines who inherits probate property when there is no will. Beneficiary designations, surviving parents, and state rules still matter.
Read guide529 Plan Changes
529 plans offer more education uses and a limited Roth rollover option. Check account age, contribution limits, and state treatment before moving money.
Read guideWhere to Put Cash Above Your Emergency Fund
Keep 3 to 6 months of spending in insured savings. Park cash you need within a few years in T-bills, money market funds, or CDs, and invest the rest.
Read guideHome Affordability Calculator
Estimate a purchase price and monthly housing costs from your income, debts, and down payment.
Open calculator529 Plan Calculator
Project college costs and estimate the monthly savings needed to cover them.
Open calculator