Nino vs Garrett Planning Network
Nino gives you a proactive AI financial assistant and the choice of a human team. Connect your finances, forecast retirement and life events, and estimate taxes in the software. Garrett Planning Network connects you with independent planners who bill by the hour or by project. Choose Nino for AI you can use yourself, plus optional CPA and CFP services with tax filing on a flat annual fee.
Compare our AI assistant, planning, and tax modules
| Feature | Nino | Garrett Planning Network |
|---|---|---|
| Answers between planning meetings | AI answers using your accounts and records, plus proactive financial insights | Hourly or project engagements with no requirement for ongoing services |
| Financial planning | Retirement and life-event forecasts in software; optional CFP-led financial plan | Time-based planning from CFP professionals or planners working toward the mark |
| Tax planning | Tax estimates in software; optional CPA and CFP tax strategy | Tax planning among the topics members advise on |
| Tax preparation and filing | Human tax preparation and filing included with optional services | Depends on the member; the network directory lists a Tax Preparation category |
| Software on its own | Standalone AI assistant and planning tools from $20/month | Hourly and project advice from member firms, rather than standalone software |
| Service price | Software and services from $3,600/year, including Ultra and a CPA and CFP team | No network-wide rate; each member sets hourly rates and quotes a project fee |
Why choose Nino over Garrett Planning Network
Keep asking questions between projects
Nino’s AI assistant answers questions using your accounts and records and can flag unused cash or company-stock risk. Garrett members bill for their time by the hour or by project, with no requirement for ongoing services. Nino gives you software you can use whenever a question comes up, from $20 a month.
Test a decision yourself first
Change a retirement date, add a home purchase, or estimate the tax on a stock sale, then ask Nino why the forecast changed. A Garrett member can review a specific decision with you. Nino lets you work through the assumptions yourself and bring in a human team when you want one.
Get planning and filing from one team
Nino services start at $3,600 a year with a CPA and CFP team, financial planning, tax planning, and federal and state preparation and filing, plus Ultra software. At Garrett Planning Network, tax preparation depends on the member you hire. With Nino, the team that builds your plan also prepares your return.
How Garrett Planning Network compares
Hourly advice with no minimums
Garrett members work by the hour or on a fixed project fee derived from an hourly rate, with no income, asset, or net-worth minimums and no requirement for ongoing services. That suits a single decision or a second opinion without an annual commitment.
Fiduciary planners on the CFP track
Members must hold the CFP or PFS credential, or earn one within five years of joining. The network says members act as fiduciaries and are not paid commissions on products. Some members also offer a retainer option, asset management, or tax preparation.
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.
- Garrett Planning Network
- Garrett Planning Network does not publish a network-wide rate; its FAQ says hourly rates vary by member. Members quote estimated fees for a project at the end of a no-obligation Get Acquainted session, and hourly engagements carry no income or account minimums. Whether tax preparation is offered, and at what cost, depends on the member.
Frequently asked questions
Weighing more options than these two? Read our guide to Garrett Planning Network alternatives .
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