This work investigates the free vibrations of innovative thermally loaded nanoplates constructed by integrating magneto-electro-elastic (MEE) layers with functionally-graded graphene platelet-reinforced composite cores (FG-GPLRC) and accounting for viscous fluid interactions. An advanced multiphysics model is developed using the Navier–Stokes equations to capture fluid structure coupling effects, Halpin–Tsai, and the rule of mixtures micromechanics to predict the non-uniform effective properties, third-order shear deformation plates theory (TSDPT) to incorporate thickness stretching, and the nonlocal strain gradient theory (NSGT) to characterize size dependencies. The Galerkin technique is used to solve the governing equations, which are derived from the Hamilton’s principle. Parametric analyses quantify the influences of fluid depth, temperature fluctuations, temperature profiles, nonlocal and strain gradient parameters, electric and magnetic potentials, graphene distribution patterns, graphene weight fractions, and boundary conditions on the vibration response. The outcomes of this study provide design guidelines and predictive tools enabling active vibration control systems for next-generation thermally-loaded nanocomposite structures with widespread applications from aerospace vehicles to nanoelectronics.