The Vanguard alternative with a flat fee and taxes handled
Vanguard is the stronger choice for low-cost index investing and hands-off portfolio management at about 0.30% of assets. Nino is the broader choice when you want both a flat-fee CPA and CFP team and do-it-yourself software from $20/mo with no asset minimum, year-round tax planning and filing, and equity and real estate coordinated in one plan.
Nino vs Vanguard
| Feature | Nino | Vanguard |
|---|---|---|
| Flat fee | Nino (Flat fee): included | ~0.30% of assets |
| In-house CPA / CFP | Nino (In-house CPA / CFP): included | CFP at $500k+ |
| AI-powered client platform | Nino (AI-powered client platform): included | Vanguard (AI-powered client platform): not included |
| Account aggregation | Nino (Account aggregation): included | Limited |
| Tax optimization | Nino (Tax optimization): included | Harvesting only |
| Equity module | Nino (Equity module): included | $5M+ tier |
| Real estate module | Nino (Real estate module): included | Vanguard (Real estate module): not included |
| Bank-level security | Nino (Bank-level security): included | Vanguard (Bank-level security): included |
When to choose each
Choose Nino
Choose Nino if you want both a flat-fee CPA and CFP team and self-serve software, with year-round tax, equity, and real-estate planning.
Choose Vanguard
Choose Vanguard for low-cost index investing and simple, hands-off portfolio management.
Where Nino is stronger
A flat fee, not a percentage
Vanguard's advice tiers charge roughly 0.15% to 0.30% of assets a year, so the cost grows as you save. Nino's software is a flat $20/mo and its advisor a flat $3,600/year, no matter your balance.
Year-round tax planning, and filing
Vanguard includes tax-loss harvesting but doesn't prepare your return. Nino's in-house CPA plans your taxes all year and can file, so nothing falls between your advisor and your accountant.
A dedicated team from day one
Vanguard pairs you with a dedicated CFP starting around $500,000 in assets. Nino gives every client a dedicated CPA and CFP with no asset minimum.
Where Vanguard is stronger
Very low fund costs
Vanguard's index funds are among the cheapest anywhere, and its advice tiers run about 0.15% to 0.30% of assets.
Simple, hands-off investing
For a straightforward, low-cost managed portfolio, few firms match Vanguard.
A trusted name
Vanguard is one of the largest and oldest investment managers in the world.
Pricing
Drag your portfolio size to see what each would cost you a year.
- Nino
- $3,600 / year
- Vanguard
- $3,000 / year
A flat $300/mo, billed annually. It stays the same as your balance grows, never a percentage of your assets.
About 0.30% of assets a year, so the fee climbs as your balance grows.