Nino vs Facet
Nino gives you an AI financial assistant you can use yourself, with human help when you want it. Forecast retirement, understand tax decisions, and chat with your connected finances. Facet starts with a CFP-led planning membership. Choose Nino for proactive AI software on its own, or combine it with a CPA and CFP team for planning and filing.
Compare our AI assistant, planning, and tax modules
| Feature | Nino | Facet |
|---|---|---|
| Answers between planning meetings | AI answers using your accounts and records, plus proactive financial insights | Unlimited planner messaging through the member dashboard |
| Financial planning | Retirement and life-event forecasts in software; optional CFP-led financial plan | Personalized CFP roadmap, retirement planning, and life planning in every tier |
| Tax planning | Tax estimates in software; optional CPA and CFP tax strategy | Tax-saving strategies in all tiers; comprehensive analysis in Complete |
| Tax preparation and filing | Human tax preparation and filing included with optional services | Certified tax professional through a partner in Plus and Complete |
| Software on its own | Standalone AI assistant and planning tools from $20/month | Annual financial-planning memberships |
| Service price | Software and services from $3,600/year, including Ultra and a CPA and CFP team | Core $2,600/year; Plus $5,500; Complete $8,700, before promotions |
Why choose Nino over Facet
Get answers directly from your financial picture
Ask Nino about your accounts and records, understand a tax question, or follow up on a cash or company-stock insight. The AI assistant helps you work through questions as they arise. Facet offers meetings and messaging with a planner; Nino also gives you software you can use independently.
Try out a financial decision yourself
Compare retirement dates, add a home purchase, or see how a change in income affects your forecast. Nino lets you ask why the result changed and test another option yourself. Facet builds a roadmap with a CFP; Nino gives you direct access to AI planning tools, with human services available if you want them.
Bring financial planning and filing together
Add Nino’s CPA and CFP team for a financial plan, tax-saving strategies, preparation, and filing from $3,600 a year. Facet Core includes tax strategies, while partner filing starts in Plus at a standard $5,500. Nino services include Ultra software and people to help put your plan into action.
How Facet compares
CFP planning and managed investing
Facet Core includes retirement and life planning, tax-saving strategies, insurance and education planning, and investment management. Its standard $2,600 annual price is below Nino’s services starting price; Core excludes tax filing.
Meetings, messaging, and partner filing
Facet publishes meeting schedules and includes unlimited planner messaging. Plus and Complete add professional tax preparation through a partner; Complete adds more extensive tax analysis and direct indexing. Nino also gives you a standalone AI assistant without a planning membership.
Pricing
What you pay and what’s included.
- Nino
- Software starts at $20/month, with a 7-day free trial and no credit card required. Software and services start at $3,600/year and include our Ultra software tier and a CPA and CFP team.
- Facet
- Facet’s standard annual prices are $2,600 for Core, $5,500 for Plus, and $8,700 for Complete. Tax filing through a partner is included in Plus and Complete. Facet waives its $300 enrollment fee with annual payment.