Every area of your financial life
Nino plans across every area of your money: investments, taxes, retirement, estate planning, real estate, equity compensation, and cash flow, all in one place.
Investment planning
Picking funds is the easy part. Nino plans your portfolio alongside your taxes and the rest of your money, so it actually moves you toward your goals.
A portfolio matched to your goals
Set an allocation tied to your timeline and risk, not a generic template.
Fees and idle cash
Cut hidden fund fees and put idle cash to work instead of losing ground to inflation.
Tax-smart investing
Place assets in the right accounts and harvest losses so more of your return stays yours.
One plan, not silos
See investments next to taxes, equity, and cash so every move fits the whole picture.
Tax planning and filing
Most people only think about taxes in April. Nino plans them all year, so the moves that save money happen while there is still time to make them.
Year-round planning
A CPA watches your income all year and flags tax-smart moves before deadlines pass.
Withholding and estimates
Stay ahead of withholding gaps and quarterly estimates instead of owing a surprise.
Deductions and credits
Capture the deductions and credits you actually qualify for, not the ones you happen to remember.
Filing, if you want it
Add tax filing as an option so the planning and the return sit with the same team.
Retirement planning
Retirement is a number, plus a plan to reach it. Nino models both so you know where you stand and what to do next.
When you can retire
Model your savings, spending, and income so 'when can I retire' has a real answer.
Account strategy
Fund the right accounts, 401(k), IRA, and Roth, in the right order for your tax situation.
Roth conversions
Use lower-income years to convert at the right time and lower your lifetime taxes.
A drawdown plan
Map which accounts to draw from first so your money lasts and taxes stay low.
Estate planning
You don't have to be ultra-wealthy to need an estate plan. Nino makes sure what you've built goes where you want, with less tax and less friction.
Wills and directives
Get the core documents in place so your wishes are clear and legally sound.
Beneficiaries and titling
Line up account beneficiaries and titling so assets pass the way you intend.
Trusts, when they fit
Understand when a trust makes sense for your family and how to set one up.
Tax-aware transfers
Plan gifts and transfers so more of your estate reaches your family, not the IRS.
Real estate planning
For a lot of people, property is the biggest thing they own. Nino tracks it alongside the rest of your net worth and runs the numbers before you act.
Property in your net worth
See your real estate next to investments, cash, and equity, not in a separate spreadsheet.
Buy, sell, or refinance
Model the numbers and the taxes before a purchase, a sale, or a refinance.
Rental income and depreciation
Handle rental income, depreciation, and the tax rules that come with owning property.
Move vs stay decisions
Weigh moving, renting it out, or selling with a clear side-by-side.
Equity compensation planning
Equity is where the biggest tax surprises hide. Nino plans your RSUs and options with your income, so you plan your vests and sales instead of getting caught off guard.
RSUs and vesting
Estimate the tax on each vest and the withholding gap before vest day.
Options and ISOs
Plan exercises and the AMT so option decisions do not blow up your return.
When to sell vs hold
Balance concentration, cash needs, and taxes to decide what to sell and when.
Equity in the full plan
Coordinate equity with salary, investments, and goals under one flat fee.
Cash flow planning
Every goal you have runs on cash flow. Nino shows where your money goes and turns it into a plan you can actually follow.
Where your money goes
See spending across accounts in one place, automatically categorized.
A save, spend, invest plan
Set targets for what to save, spend, and invest each month, and track them.
Idle cash to work
Move idle cash into the right place so it earns instead of sitting still.
Big decisions in context
Test a raise, a move, or a big purchase against your real cash flow before you commit.