Why people near retirement choose Nino?
The years right before retirement are when tax planning matters most. Nino plans the transition step by step so you're not guessing.
Retirement income and withdrawal order
Map which accounts to draw from first so your money lasts and your tax bill stays low across retirement.
Roth conversions before RMDs
Use lower-income years to convert at the right time, so required minimum distributions do not push you into a higher bracket later.
Social Security timing
Weigh claiming early against waiting, tied to your other income and your full plan.
The healthcare bridge
Plan the gap between leaving work and Medicare, including how income choices affect your premiums.
The mistakes that shrink a retirement
Every one of these is avoidable. Nino keeps watch year-round so you never fall into the same traps.
Drawing accounts in the wrong order
Tapping the wrong account first can push you into a higher bracket and shorten how long your money lasts.
Skipping Roth conversions
Miss the low-income window before RMDs and you can pay more tax for the rest of retirement.
Claiming Social Security on autopilot
Claiming without a plan can leave real money on the table over a long retirement.
The average user saves $800 their first month, $8,000 their first year.
