Why tech employees choose Nino?
Tech pay is equity plus a big W-2, and the taxes are easy to get wrong. Nino plans your RSUs, options, and income as one picture.
RSUs and the withholding gap
Estimate the tax on each vest and the gap between the 22% your employer withholds and your real bracket.
Stock options and ISOs
Plan exercises and the AMT so an option decision never turns into a surprise tax bill.
Concentration and diversification
Decide how much employer stock to hold versus sell, tied to your goals and your risk.
Tax-smart saving at a high income
Use a backdoor Roth and the right accounts to keep saving efficiently once the easy options phase out.
Where tech employees lose money
Every one of these is avoidable. Nino keeps watch year-round so you never fall into the same traps.
Underwithholding on RSUs
The flat 22% withholding usually falls short of a high earner's real rate, so a vest can leave you owing thousands at filing. Nino models the gap before vest day so you can set cash aside or sell to cover.
Fumbling an ISO exercise
Exercising ISOs can trigger the alternative minimum tax, and the wrong timing turns a smart move into a large bill. Nino plans the exercise and the AMT so you keep the upside without the surprise.
Sitting on concentrated stock
Letting employer shares pile up ties your net worth to one company at one price. Nino builds a sell-and-diversify plan so a single stock never controls your future.
The average user saves $800 their first month, $8,000 their first year.
