Nino vs Vanguard Personal Advisor Select

Choose Nino if you want to explore retirement decisions directly in software and have the option of a team that handles planning and taxes together. Ask what retiring earlier or spending more could change, then inspect the assumptions. Vanguard Select includes financial planning and managed investments; Nino adds a standalone AI experience and optional professional tax filing.

Yes. Nino software starts at $20/month and does not require you to enroll $500,000 of investments. Connect supported accounts and start exploring your retirement outlook. That threshold applies to Vanguard Personal Advisor Select; Vanguard’s other programs have different requirements. Human services are optional with Nino.

Yes, when you choose Nino’s financial and tax services. Your CPA and financial planner team coordinates tax planning with your financial goals and handles preparation and filing. Ultra software is included. A software-only subscription gives you AI tools and tax estimates; it does not include professional preparation and filing.

Nino’s annual services plans start at $3,600 and include Ultra software, a CPA and financial planner team, financial planning, and tax filing. Software alone starts at $20/month. Select’s listed 0.30% fee is $1,500 on a constant $500,000 balance before fund expenses. Select costs less at that balance and includes managed investments; Nino includes professional tax filing.

Yes. Nino can connect supported Vanguard accounts without moving your investments. Use the assistant to plan around those balances and ask questions about your finances. Vanguard remains your brokerage; Nino’s software does not trade or rebalance the accounts. You can choose Nino for planning and tax services while keeping that investment relationship.