Your wealth, fully managed for pre-retirees
A flat-fee CPA and financial planner team that gives you personalized, holistic advice across your taxes and financial plan. We test your retirement date, plan withdrawals and Roth conversions around your brackets, and file your returns.
What we handle before you retire
The last working years decide how much of your savings you keep. This is the work we do with you.
- 01
Your retirement number
Spending, minus Social Security and any pension, is what savings must cover. On the 4% rule, a $75,000 yearly gap points to about $1.875 million. We test it against lower returns and higher costs.
- 02
Catch-up contributions
At 50 you can add $8,000 to a 401(k), or $11,250 at 60 to 63. If last year’s wages from that employer topped $150,000, catch-ups must go in as Roth.
- 03
Roth conversions
The years between retiring and starting Social Security or required distributions are often the cheapest time to convert. We size each conversion to the bracket you want to fill.
- 04
Withdrawal order
Taxable, then tax-deferred, then Roth is a default, not a plan. We draw from accounts in the order that keeps your lifetime tax bill and your Medicare premiums lower.
- 05
Social Security timing
Each year you delay past full retirement age, up to 70, raises your benefit by 8%. We compare claiming ages against your health, your spouse and your other income.
- 06
Required distributions
RMDs start at 73, or 75 if you were born in 1960 or later, and each is taxed as income. The RMD calculator estimates yours; your CPA plans the bracket it lands in.
How Nino helps you retire
Retirement is a tax plan as much as a savings plan. On an Advisor plan your financial planner builds the retirement projection and your CPA plans the withdrawals, conversions and returns that follow from it, working from the same accounts.
Book a free consultation-
A retirement plan in your first two weeks
Your financial planner and CPA map spending, income start dates and account balances into one plan, then revisit it every quarter as markets and dates change.
-
Returns that match the plan
Your CPA prepares and files your federal and state returns, so a conversion or an RMD planned in the summer is reported the way it was planned. Nothing is filed until you approve it.
-
Scenarios in the software
Nino’s AI software reads your connected accounts and lets you test a different retirement date, more spending or lower returns, and see how much room is left. Projections are not promises.
What decides whether a retirement plan holds?
Five risks to test any plan against before you give notice.
A bad market early
Losses in the first years of retirement hurt most, because you are selling to spend. Holding one to two years of spending in cash or short-term bonds avoids selling low.
Healthcare before Medicare
Retire before 65 and you buy coverage yourself until Medicare. Budget the premiums and out-of-pocket costs, and note that Medicare enrollment runs on a seven-month window.
Taxes on withdrawals
Traditional withdrawals are income, and higher income can raise Medicare premiums. A large traditional balance can push RMDs into a higher bracket than you had while working.
Living longer than planned
Plan to 95, not to average life expectancy, and allow for inflation: at 3% a year, costs double in about 24 years.
Missing an RMD
A missed required distribution costs 25% of the amount not taken, or 10% if corrected in time. Your team tracks the deadline each December.
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 planning retirement
Read up on these decisions, or run your own numbers.
Do Roth Conversions Count as Income?
The taxable part of a Roth conversion adds to ordinary income. See how basis, tax brackets, Medicare premiums, and other income tests affect the decision.
Read guide401(k) Contribution Limits for 2026
The 2026 employee limit is $24,500. See age-based catch-ups, employer contribution limits, and the Roth catch-up rule.
Read guideBackdoor Roth IRA for High Income
A backdoor Roth stays open at any income. What decides the tax bill is the order of the two steps, the month they happen in, and what else sits in your IRAs.
Read guideWhat Is MAGI?
Modified adjusted gross income starts with AGI, then changes for the tax or benefit being tested. Compare the Roth IRA, NIIT, Medicare, and Marketplace definitions.
Read guideRetirement Calculator
Estimate retirement income, how long savings could last, and any funding gap.
Open calculatorRMD Calculator
Find your required minimum distribution from the IRS tables and the federal tax each one adds.
Open calculatorRoth Conversion Calculator
Estimate conversion tax bracket by bracket and check remaining bracket space.
Open calculator