Nino vs Vanguard Personal Advisor Select
Choose Nino for retirement planning you can explore yourself, with tax filing included when you add human services. Our proactive AI financial assistant helps you compare retirement dates, spending, and major life decisions. Vanguard Select combines a CFP with investment management and requires $500,000 in enrolled assets. Nino software starts at $20/month, with an optional CPA and CFP team.
Compare our AI assistant, planning, and tax modules
| Feature | Nino | Vanguard |
|---|---|---|
| Financial planning | Retirement and life-event forecasts you can explore yourself; CFP-led planning with services | Personal Advisor Select: a CFP builds and maintains a goals-based financial plan |
| Financial insights and answers | Chat about connected finances and forecast assumptions; proactive financial insights when relevant data is available | Contact your Select CFP by phone, email, or video |
| Tax planning | Work through tax questions in software; personalized CPA and CFP tax planning with services | Tax-efficient investing, withdrawal strategies, and Roth-conversion guidance |
| Tax preparation and filing | Human preparation and federal and state filing with services; return coverage varies by plan | Tax-return preparation is not part of the published Select offering |
| Human team | Optional CPA and CFP team, with Ultra software included | A personal CFP with Select; $500,000 enrolled-asset minimum |
| Accounts and fees | Software subscription or annual services plan; connect accounts without transferring investments | Select manages enrolled Vanguard assets; listed 0.30% annual fee plus fund expenses |
Why choose Nino over Vanguard
Plan without enrolling $500,000 in investments
Nino’s AI assistant gives you retirement and life-event forecasts from a software subscription. You can ask questions and compare choices without enrolling assets in an advisory program. Vanguard Select requires $500,000 in eligible investments; Nino software gives you a way to start planning now.
See what retiring a year earlier could change
Change your retirement date, expected spending, or plans for a major purchase. Nino shows how those assumptions affect your forecast, and its AI helps explain the result. You can work through alternatives at your own pace and bring a more specific question to a human advisor when you want help.
Bring tax filing into your retirement plan
Nino’s optional CPA and CFP team coordinates your financial plan with tax optimization, then prepares and files your returns. Vanguard Select provides CFP planning and tax-efficient investment guidance; professional tax preparation is not part of its published offering. Nino brings that work into one services relationship, with Ultra software included.
How Vanguard compares
CFP planning with managed investments
Select provides a CFP, portfolio management, and retirement-income and tax-efficient investment guidance. It requires $500,000 in eligible assets. Its listed 0.30% fee equals $1,500 a year at that balance, before fund expenses; tax preparation is not part of the published offering.
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.
- Vanguard
- Vanguard Personal Advisor Select requires $500,000 in enrolled assets and lists a 0.30% annual advisory fee, excluding fund expenses. At a constant $500,000 balance, that is $1,500 a year. Vanguard’s other advice programs have different minimums, fees, and advisor access.