Nino vs Merrill Guided Investing

Choose Nino when you want help with the decisions around your money: whether to buy a home, when to retire, and what a stock sale could cost in taxes. Use the AI assistant yourself or add a CPA and financial planner team. Guided Investing and its Advisor version manage portfolios; Nino combines planning tools with optional professional tax work.

Yes. Model a home purchase using your financial picture and see how it could affect retirement and other goals. Ask Nino’s AI to explain the assumptions or compare a different purchase price. With the required records, you can also estimate taxes on an investment sale used for the down payment. Forecasts are estimates, not lending approvals.

Yes, with financial and tax services. Nino’s CPA and financial planner team coordinates tax optimization with your financial plan and prepares and files your returns. Software alone provides AI tools and tax estimates. Guided Investing offers tax-efficient portfolio management, but does not prepare tax returns; Merrill says it does not provide tax or accounting advice.

Nino services start at $3,600/year for Ultra software, a CPA and financial planner team, financial planning, and tax filing. Software alone starts at $20/month. On a constant $500,000 balance, Merrill’s listed annual fee is $2,250 for Guided Investing or $4,250 with Advisor, before discounts and fund expenses. Merrill’s fee covers management of the enrolled portfolio.

Yes. Connect supported Merrill accounts and choose Nino for your financial planning and tax questions. Your investments remain at Merrill, which continues holding and managing them under your existing arrangement. Nino’s software does not place trades. You can try the assistant free for 7 days without a credit card.