Financial Advisor and CPA for Finance Professionals
A flat-fee CPA and Financial Planner team that gives you personalized, holistic advice across your taxes and financial plan. We plan your year-end bonus, deferred awards, carry and fund K-1s, and file your returns.
What we handle for finance professionals
Most of your pay arrives once a year, part of it stays locked up for years, and some of it comes on a K-1 in the fall.
- 01
The bonus withholding gap
Bonus and vesting stock from your firm are supplemental wages, withheld at a flat 22% until they pass $1 million in the calendar year and at 37% above it. Many firms pay in the first quarter, so the bonus is taxed in the year it is paid, not the year it was earned.
- 02
Deferred and restricted bonuses
Above a pay level, part of the bonus is often paid in deferred cash or stock that vests over several years and can be forfeited if you leave. Each piece is taxed as wages when it vests or pays out, so one return can carry slices of three different bonuses.
- 03
Carried interest and Section 1061
Carry is a partnership interest you receive for your work at the fund. Section 1061 sets its long-term holding period at more than three years instead of one, so gain on investments held three years or less is taxed as short-term capital gain, at ordinary rates.
- 04
Late fund K-1s
Co-invest and fund K-1s often arrive after April 15. Your CPA files an extension with a payment by April, which moves a 2026 return to October 15, 2027, and checks each K-1 for income sourced to other states that may need its own return.
- 05
New York City resident tax
The city taxes people who live in the five boroughs, at up to 3.876% on 2025 returns on top of state tax. A commuter owes New York State tax on New York wages but no city tax, unless they keep a home in the city and spend 184 days there.
- 06
Personal trading rules
SEC Rule 204A-1 makes a registered adviser’s access persons get approval before buying into an IPO or a private placement, and many firms add pre-clearance, restricted lists and minimum holding periods. We plan sales and loss harvesting around the days you can actually trade.
How Nino helps finance professionals
Your compensation is set once a year and paid out over several. On an Advisor plan your CPA and Financial Planner work from one picture of your bonus history, unvested awards, carry and fund commitments, and file the returns that follow.
Book a free consultation-
A plan in your first two weeks
Your CPA and Financial Planner build your tax and financial plan around your bonus date, vesting tranches, capital calls and goals, then revisit it every quarter and again when your number is set.
-
K-1s and states in one return
Plus covers joint filing, K-1s and up to three states. Premier adds advanced equity and estate planning for larger carry and co-invest positions. Your CPA prepares the return and nothing is filed until you approve it.
-
Bonus and capital calls in the software
Connect your brokerage and bank accounts read-only, then ask Nino’s AI what a bonus, a capital call or a sale of vested shares does to this year’s taxes and your cash.
What should finance professionals decide early?
Four decisions that are set by the comp cycle and the fund calendar, not by April.
How much of your own firm to hold
Your unvested awards, next bonus and job all depend on one firm, and firms often bar employees from hedging their own shares. Count unvested awards in the position, sell vested shares when your window opens, and keep the rest of your portfolio light on financial stocks. See concentrated stock.
How much to commit to co-invest
A fund commitment is called over the investment period on the fund’s schedule, and the money is locked up for years. Hold cash for the uncalled balance, not only this year’s call, and remember that your carry already rides on the same fund.
When to leave New York City
City tax stops on the day you move. New York’s special accrual rule still puts a bonus awarded before the move into your resident period even if it is paid later, and pay for days worked in New York stays taxable by the state. See moving states.
How to pay tax on a bonus or carry year
Carry and K-1 income has no withholding. If last year’s AGI was above $150,000, paying 110% of last year’s tax through withholding and estimates avoids the underpayment penalty however large this year is, and the rest is set aside for April 15.
Pick your plan
Every Advisor plan includes a CPA and Financial Planner team, federal and state tax filing, and our Ultra software.
Essential
- Everything in Ultra software, plus:
- A dedicated CPA and Financial Planner team for you
- Single-filer return, quarterly taxes included
- Retirement & equity planning
- Quarterly advisor access
- Rentals
- 0
- K-1s
- 0
- States
- 1
- Brokerage
- 3
Plus
Most Popular- Everything in Essential, plus:
- A dedicated CPA and Financial Planner team for you and your spouse
- Married filing jointly return, international coverage included
- One coordinated plan for both of you
- Quarterly and ad hoc advisor access
- Rentals
- 2
- K-1s
- 5
- States
- 3
- Brokerage
- 5
Premier
- Everything in Plus, plus:
- Business bookkeeping and tax filings, priced by complexity
- Joint or single return, complex international coverage
- Advanced equity & estate planning
- Priority advisor access
- Rentals
- 5
- K-1s
- 10
- States
- 5
- Brokerage
- 10
Software plans starting from $20 a month
Our AI financial assistant on its own, with a 7-day free trial.
Guides for finance professionals
Read up on these decisions, or run your own numbers.
Tax Strategies for High-Income W-2 Employees
A W-2 earner can't deduct against wages. The tax levers are payroll forms: the W-4, 401(k) and mega backdoor elections, HSA and FSA picks, equity, and deferred comp.
Read guideConcentrated Stock Position
Size the exposure, including shares still vesting, stress-test a drop, then sell down over several tax years under the 2026 capital gains and charitable rules.
Read guideWhat Is the Net Investment Income Tax (NIIT)?
NIIT is a 3.8% tax on certain investment income above income thresholds. See who pays, what counts, and how to calculate it.
Read guideWhat Is Tax-Loss Harvesting?
Selling an investment at a loss can offset taxable gains. Learn the steps, see an example, and avoid wash-sale mistakes.
Read guideBonus Tax Calculator
Compare the 22% federal withholding on a bonus with the tax it actually adds at your brackets, and what you may owe in April.
Open calculatorTax-Loss Harvesting Calculator
Estimate the tax saved by harvesting losses, the $3,000 offset, and what carries forward.
Open calculator
More people we work with
See how our CPA and Financial Planner team helps people in situations like yours.