Nino vs Morgan Stanley
Choose Nino to plan your financial life and get your taxes handled for a flat fee. Our proactive AI financial assistant helps you work through retirement, a home purchase, or a stock sale using your connected finances. Add a CPA and CFP team for a financial plan, tax optimization, and filing. Morgan Stanley Financial Advisors manage portfolios for a negotiated percentage of assets; Nino never charges one.
Compare our AI assistant, planning, and tax modules
| Feature | Nino | Morgan Stanley |
|---|---|---|
| Financial planning | Retirement and life-event forecasts in software; personalized financial planning with services | Full-service advice through a Financial Advisor, who recommends an advisory program such as Select UMA |
| Financial insights and answers | Chat about connected finances and major decisions; proactive insights when relevant data is available | Your Financial Advisor for advisory accounts; Core Portfolios clients can call a team of investment professionals |
| Tax planning | AI estimates for eligible stock sales and income changes; CPA-led tax optimization with services | Morgan Stanley says it and its affiliates do not provide tax or legal advice |
| Tax preparation and filing | Human preparation and federal and state filing with services; family and business plans available | Not part of its advisory programs; filing sits with you or an outside tax pro |
| Human team | Optional CPA and CFP team to build your plan and help carry it out; Ultra software included | A Financial Advisor manages advisory accounts; Select UMA generally requires $10,000 |
| Fee structure | Software from $20/month; software and services from $3,600/year | Negotiated asset-based fee; Select UMA lists a 2.0% maximum plus a 0.035% Platform Fee. Core Portfolios: 0.30% |
Why choose Nino over Morgan Stanley
A fee that does not grow with your balance
Morgan Stanley’s advisory programs charge a percentage of assets, set with your Financial Advisor. Its Select UMA brochure lists a 2.0% maximum Advisory Fee and notes that Financial Advisors have a financial incentive not to reduce fees. Nino’s services are a flat annual fee from $3,600, independent of the balances you connect.
Keep the tax bill in the decision
Selling investments can fund a goal, but the sale price is not necessarily what you keep. Nino uses your account and tax records to estimate the tax effect of eligible sales. Ask the AI to explain the result, then weigh the after-tax cash against what you need before you call your advisor.
Have your financial plan and taxes handled together
Morgan Stanley says it and its affiliates do not provide tax or legal advice, so the return sits with you or an outside preparer. Add Nino’s financial and tax services for a CPA and CFP team that builds your plan, optimizes taxes, and prepares and files federal and state returns. Ultra software is included.
How Morgan Stanley compares
Full-service portfolio management under one firm
A Morgan Stanley Financial Advisor can manage a large portfolio through advisory programs such as Select UMA, with access to separately managed accounts and alternative model portfolios. For hands-off investing, its Core Portfolios robo charges 0.30% a year with a $500 minimum. Tax-return preparation is not included in either.
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.
- Morgan Stanley
- Morgan Stanley does not publish a standard fee for Financial Advisor-led accounts; the rate is negotiated with your advisor. Its Select UMA brochure lists 2.0% as the maximum annual Advisory Fee, plus a 0.035% Platform Fee on most accounts and a Sub-Manager Fee (generally 0.20% to 0.75%) when an SMA is used. At that maximum, a constant $1,000,000 balance would pay $20,000 a year. Core Portfolios charges 0.30% with a $500 minimum.
Frequently asked questions
Weighing more options than these two? Read our guide to Morgan Stanley alternatives .
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