Nino vs Fidelity
Nino brings your financial plan and taxes together. Our proactive AI financial assistant helps you understand your money, compare retirement and life-event forecasts, and work through decisions in chat. Choose software alone, or add a human CPA and CFP team to build your plan, optimize taxes, prepare and file returns, and help put the plan into action.
Compare our AI assistant, planning, and tax modules
| Feature | Nino | Fidelity |
|---|---|---|
| Financial planning | Retirement and life-event forecasts in software; personalized financial planning with services | Financial planning and advice are available through Fidelity’s advice programs |
| Financial insights and answers | Chat about connected finances; proactive insights can flag company-stock concentration and equity deadlines | Tools and advisor access depend on the Fidelity program |
| Tax planning | AI tax estimates using your financial records; CPA-led tax optimization with services | Tax-aware investment and wealth-planning services vary by program |
| Tax preparation and filing | Human preparation and federal and state filing with services; family and business plans available | Confirm tax-return preparation separately from any investment or advice program |
| Human team | Optional CPA and CFP team to build your plan and help put it into action; Ultra software included | Advisor access and specialist support depend on the advice relationship |
| Accounts and fees | Software from $20/month; software and services from $3,600/year; no transfer needed to connect accounts | Brokerage and managed-account services have different fees and account requirements |
Why choose Nino over Fidelity
Ask financial questions without booking a meeting
Use Nino’s standalone AI assistant to plan around your Fidelity accounts and the rest of your connected finances. Ask whether a home purchase would change your retirement outlook, or what selling stock could mean for taxes. Compare alternatives in chat whenever the question comes up, with the assumptions explained.
Understand a stock decision before you make it
Nino can flag company-stock concentration or an approaching equity deadline when it has the relevant information. Use chat to understand the issue and explore what a sale or exercise could mean for your taxes and cash. You get a clearer decision to make, with the estimates explained.
Get one team and a price you can plan around
Nino’s services give you a CPA and CFP team for an annual plan price, independent of the balances you connect. Your team builds the financial plan, optimizes taxes, prepares and files returns, and helps carry out the work. Ultra software is included, so the assistant stays part of your planning.
How Fidelity compares
Brokerage and advice programs
Fidelity offers brokerage accounts, workplace-retirement connections, investment management, and human advice. Fees, eligibility, and services depend on the program. Nino offers a separate choice for AI financial planning and coordinated CPA and CFP services.
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.
- Fidelity
- Fidelity has separate self-directed brokerage, managed-account, and wealth-advice offerings. Their fees, minimums, and advisor access differ. Use the fee schedule for the specific Fidelity program you are considering; a brokerage account and a CPA-and-CFP services plan cover different work.