Nino – a dedicated CFP/CPA team and AI to manage your financial life

Nino is a dedicated CFP and CPA team, backed by an AI platform that connects your taxes, equity, investments, cash, and real estate into one always-current plan.

In 2014, I pitched YC partners on an idea I called Nino, a personal assistant that could actually get things done for you. I got a rejection from Justin Kan the same evening. He said it was too early. He was right. The same year, before OpenAI existed, I met Ilya Sutskever. We discussed what AI products were commercially viable to build based on the state of the art in deep learning and AI. We both concluded the tech wasn't quite ready yet.

In 2017, with my co-founder Chandan, we decided to revisit building a personal assistant but this time narrowed it down to money. But we hit another wall. Money had to move between a user's accounts, and with the payment APIs available to a consumer app back then, transfers took days to clear and the fees added up fast, especially on small transfers. We got excited about crypto as a means to upgrade our antiquated financial rails. Crypto was early too, and not yet very usable by the mainstream population beyond speculation. We decided to solve taxes and accounting first. That turned into CoinTracker (https://news.ycombinator.com/item?id=16386419), and took up much of our last 9 years.

Now, AI is ready and we have better financial rails. We are no longer blocked. We have the opportunity to build a product that provides sound, sophisticated, personalized financial planning to everyone. Our mission is to unlock everyone's financial potential so they can build the life they want.

How it works: First, Nino connects to and ingests all of your financial accounts and information, including uploaded documents like tax returns, estate planning docs, etc; it keeps these up to date. Second, we have built modules for each part of your finances: equity compensation that knows about ISOs, AMT, and exercise timing; real estate knows about cash flow and cost basis; and so on. Third, an agentic AI layer that works across your financial data and understands your goals and needs; e.g. "when should I exercise" or "can I afford to take a year off?". And fourth, dedicated licensed humans (CFP and CPA) who shape the way the agentic system works based on their domain expertise, plus get looped in when their judgment and review are needed, with access to the full context.

We are currently focused on people with $1M+ in net assets, but plan to expand to a wider audience soon. Pricing is flat fee from $2,000/year, no AUM. We want to deliver maximum value to your financial life and avoid bias from managing your money. We are not a registered investment adviser; the CFP/CPA focus is tax and planning, not managing your assets. Financial connections are read-only, your data isn't used for training, and we don't sell it.

To check it out, see:

- Homepage: https://www.usenino.com/

- Demo: https://www.usenino.com/demo

- Product video: https://www.youtube.com/watch?v=uTzNKlaG9a0

We are in beta and onboarding from a waitlist as capacity allows: https://usenino.typeform.com/to/QSnf29CZ

Let me know what you think, I'd love to hear your honest feedback.