You want a financial plan you can see and act on yourself. Dynamic Planner plans on behalf of advisers. Here is the difference.
Dynamic Planner is a B2B platform. The planning decisions on Dynamic Planner are made by your adviser, not by you. The platform handles the cash flow modelling, scenario testing, and report generation. The day-to-day planning and life moment choices are your adviser's job.
Delphina plans for the individual. You see the plan, you adjust the inputs, you watch the projection move. There is no adviser between you and the numbers. If you want guidance, Delphina offers optional coaching at £99 a session, but the plan is yours.
If your situation is complex, having a qualified adviser make the planning decisions can be worth the fee. Dynamic Planner-using advisers typically charge 0.5-1% of assets per year. On a £500,000 portfolio that is £2,500-£5,000 a year.
For households with multiple income sources, complex tax situations, business assets, or inheritance to plan around, the adviser-led model genuinely simplifies decisions you might not have the time or expertise to make.
Delphina plans the whole picture. Your budget, your savings rate, your pension, your ISA, your State Pension, your property, and your goals all sit in one place. The platform models the planning, gives you a date for retirement, and shows you the monthly action that closes the gap.
Delphina is also transparent. You see the assumptions, you can adjust them, you can stress test against different savings rates or retirement ages.
Pull your State Pension forecast from gov.uk and your latest pension statement. Connect both to Delphina this week. Within 15 minutes you will have a specific number for your retirement gap and one monthly action.