Tax and financial planning with Nino
Use Nino’s AI software to explore decisions about taxes, investments, retirement, and more. Add a human CPA and CFP team to build your financial plan and help carry it out.
Investment planning
Investment planning connects what you own with when you’ll need the money. Your account balances are the starting point; your goals, taxes, and ability to handle a market decline shape the decisions. Use Nino’s AI software to explore your portfolio, or add a CFP to help build your investment strategy.
See your whole portfolio
Look across your retirement accounts, brokerage holdings, and company stock. Owning several funds can still leave you exposed to the same companies. Nino brings your investment data together so you can ask what you own, where holdings overlap, and how much rests on one employer.
Match investments to your goals
A home purchase next year and retirement decades away put different demands on your money. Compare your mix of stocks, bonds, and cash with each goal’s timeline and the losses you could absorb. With services, your CFP helps turn those tradeoffs into an investment plan.
Understand costs before selling
Before changing investments, consider fund fees, advisory fees, and the tax cost of a sale. In a taxable account, your purchase price and holding period can change the outcome. A lower-fee portfolio may still come with an upfront tax bill if getting there means selling appreciated assets.
IRS: capital gains and lossesMake a plan for company stock
Your paycheck and investments can depend on the same company. Review vested shares alongside future grants and the rest of your assets. Your CFP can help weigh keeping shares against selling gradually to fund goals or reduce the amount riding on one stock.
Tax planning
Tax planning means looking ahead at how income, investments, and financial decisions could affect your tax bill. Filing reports what happened. Nino’s AI software helps you explore questions using your financial records; with services, your CPA develops your tax plan and prepares and files the returns included in your plan.
Know what drives your tax bill
Start with wages, business income, investment sales, and deductions. A raise and a stock sale can affect the same return, even when they feel like separate decisions. Bring your records into Nino to understand the numbers and identify what’s missing before you make a plan.
Check a decision before acting
Compare the cash you’d keep after a stock sale, option exercise, or change in income. An estimate is only useful when its assumptions fit your situation, so check the tax year and state coverage. Your CPA can evaluate the decision alongside your full return.
Plan withholding and payments
Money withheld from a paycheck is a payment toward your tax bill, not the final bill itself. Bonuses, investment gains, or self-employment income may create a gap. Your CPA helps assess whether to adjust withholding or make estimated payments and how much cash to reserve.
IRS: withholding and estimated paymentsConnect planning with filing
Good filing starts before the deadline. Keep track of income forms, deductible expenses, investment records, and major changes during the year. With Nino’s financial and tax services, your CPA prepares and files the returns covered by your plan, using the work you’ve done together throughout the year.
Retirement planning
Retirement planning asks how your savings and future income could cover your spending once you stop working. The answer changes with your retirement date, taxes, inflation, and investment returns. Explore those assumptions in Nino’s AI software, or work with your CPA and CFP team to build and maintain your retirement plan.
Find your retirement target
Start with the life you want to fund: housing, everyday spending, travel, and healthcare. Then compare that spending with your savings and years left to contribute. Nino lets you explore how saving more, spending less, or retiring later changes the projection.
Map where income will come from
Put expected Social Security, pensions, rental income, and investment withdrawals on a timeline. The start dates matter as much as the amounts. Retiring before another income source begins can leave a gap that your savings need to cover.
Plan withdrawals around taxes
The account you draw from affects how much you keep. Traditional retirement-account withdrawals can be taxable, while qualified Roth withdrawals are tax-free. Your CPA and CFP can coordinate withdrawals and evaluate conversions alongside your other income rather than choosing an account in isolation.
IRS: traditional and Roth IRAsTest the difficult years
A projection needs more than one set of assumptions. Try lower investment returns, higher living costs, or a longer retirement, and see how much room remains. Use those comparisons to discuss changes you could make; a projected outcome is not a promise.
Estate planning
Estate planning covers who receives your assets and who can act for you if you cannot. Your financial records, account ownership, and legal documents need to work together. Nino helps organize the financial picture; with services, your team coordinates financial and tax questions with your attorney, who handles legal documents.
Make your assets easier to find
List your accounts, property, debts, insurance, and important documents. Include where records are kept and which professionals your family would need to contact. Nino’s account overview and document storage can help you build that inventory without relying on scattered statements and emails.
Review ownership and beneficiaries
Check how accounts are titled and who is named to receive them. Retirement accounts have their own beneficiary procedures, so review the designations with the account provider. A marriage, divorce, birth, or death is a useful prompt to revisit them with your legal and financial team.
IRS: retirement account beneficiariesClarify what your family needs
Think through who depends on you, which expenses would continue, and what you want to leave to family or charities. Those priorities give your attorney and financial team something concrete to work from, especially when a business, property, or unequal inheritances complicate the picture.
Coordinate the financial and legal work
A will or trust is one part of the plan. Account changes, tax questions, and the cash your family may need also deserve attention. Your Nino team can help coordinate financial decisions with your attorney; legal drafting and legal advice stay with that attorney.
Real estate planning
Real estate planning looks at how buying, owning, renting out, or selling property affects your cash, debt, and other goals. A mortgage payment is only part of the cost. Nino brings property and loan information into your financial picture; your CPA and CFP team can help evaluate the wider decision.
See your equity and your debt
Home equity is the property’s estimated value minus the debt secured by it. That value belongs in your financial picture, but it is not cash in your checking account. Review the mortgage balance and the date of your value estimate before relying on the number.
Build a budget beyond the mortgage
Include property taxes, insurance, maintenance, and any homeowners association fees alongside principal and interest. For a rental, consider vacancies and repairs too. A purchase that fits the monthly payment can still leave too little cash for upkeep or your other goals.
CFPB: mortgage costs and key termsKeep cash for life after closing
Compare the down payment, closing costs, and moving expenses with the savings you’ll have left. Then look at your emergency reserve and retirement contributions. Nino helps you explore the purchase alongside your other finances so the house budget does not become the whole plan.
Weigh keeping, renting, or selling
Compare expected rent, financing costs, repairs, and the cash a sale could release. Taxes may change the result, especially when a home becomes a rental. Your CPA can review purchase and improvement records, depreciation, and potential gains before you commit to a decision.
Equity compensation planning
Equity compensation planning connects your stock grants with the cash and taxes involved in receiving, exercising, or selling shares. Grant type, timing, and sale restrictions can change your options. Use Nino’s AI software to understand your grants and explore scenarios; add a CPA and CFP team to build a plan around them.
Understand what you’ve been granted
Restricted stock units (RSUs) and stock options work differently. Review your award type, vesting schedule, option exercise price, and expiration date. Those details tell you when shares may become available, whether you need cash to buy them, and which decisions have a deadline.
Budget for an option exercise
Exercising an option can require both the purchase price and money for taxes. Incentive stock options (ISOs) can also create alternative minimum tax. Compare that cash need with what you can afford to tie up, especially if private-company shares cannot readily be sold.
IRS: stock option tax treatmentCheck what withholding covers
Shares sold or withheld for taxes do not necessarily cover your final tax bill. Compare the amount withheld with your other income and expected tax obligation. Your CPA can help identify a potential shortfall and plan payments before you spend the proceeds.
Decide how much company stock to hold
Consider your existing shares, future grants, and income from the same employer together. Then weigh a possible sale against your goals, trading restrictions, and tax costs. Nino’s scenarios help you explore the tradeoffs; your human team helps turn them into a plan.
Cash flow planning
Cash flow planning shows how money coming in covers spending, debt payments, and savings over time. It helps you decide what you can spend now and what needs to stay available. Nino’s AI software brings connected transactions together; your human team can help set priorities and turn them into a financial plan.
Understand your usual spending
Separate recurring bills from one-time purchases, and compare them with take-home income. A vacation can make one month unusually expensive; predictable annual bills still need a monthly allowance. Use Nino’s transaction view to see where the money went and ask what changed.
Give upcoming bills a place
Set aside cash for costs you can see coming, such as tuition, taxes, insurance, or a move. Keep those commitments separate from an emergency reserve for unexpected expenses or lost income. The right reserve depends on your household’s obligations and how reliable your income is.
CFPB: building an emergency fundChoose where the next dollar goes
Once your bills and reserves are covered, compare debt payments, retirement contributions, and other savings goals. Interest rates, employer contributions, and when you need the money all matter. With services, your team helps choose priorities that fit your household rather than a generic spending rule.
Plan for a change in income
A raise, career break, new child, or business launch can change both income and expenses. Explore the monthly gap and how long savings could cover it. Adjusting the plan before the change gives you time to build reserves or reconsider the timing.