Show HN: Nino – a dedicated CFP/CPA team and AI to manage your financial life
Nino is a financial planning platform combining a dedicated CFP and CPA team with an AI that connects taxes, equity, investments, cash, and real estate into a single always-current plan. It targets users with $1M+ in net assets at a flat fee from $2,000/year with no AUM, offering read-only financial connections and a focus on tax and planning rather than asset management.
Background
- Nino is a new service combining AI with real human CFPs and CPAs to manage your whole financial life. It connects bank accounts, investments, equity, real estate, and tax returns, then answers questions like "Can I afford to take a year off?" — with a licensed human reviewing the AI's output.
- The founder previously built CoinTracker (crypto tax software). He first pitched this idea in 2014 but was told AI and payment systems weren't ready. Now he believes both are.
- Targets people with $1M+ net assets, charges a flat ~$2,000/year fee (not a percentage of assets, which is the traditional model). It is not a registered investment adviser; the focus is tax strategy and financial planning, not managing investments.
- This is a "Show HN" on Hacker News — founders presenting their own product to the tech community for feedback. The post recounts a 2014 YC rejection from Justin Kan and a pre-OpenAI conversation with Ilya Sutskever to emphasize how long they've been waiting for the tech to catch up.