You want to retire at 50. Dynamic Planner is the platform your adviser uses. Delphina plans your path to early retirement.
Dynamic Planner does not have a FIRE number or a retirement date surfaced to clients. It is a B2B platform. The FIRE planning question is not what Dynamic Planner answers directly.
Delphina gives you the FIRE number, the date, and the levers that move the date. If FIRE is the goal, the planning is in Delphina, and the investment execution can be in a Dynamic Planner-using adviser's portfolio or in a self-invested personal pension.
If you are pursuing FIRE with a substantial portfolio, having a Dynamic Planner-using adviser manage the planning and drawdown can be worth the fee. The adviser's cash flow modelling, tax-efficient drawdown sequencing, and rebalancing discipline are useful for the run-up to and the early years of retirement, when sequence-of-returns risk is highest.
The catch is the fee. 0.5-1% of £500,000 is £2,500-£5,000 a year. Over a 30-year retirement that compounds to a significant number.
Delphina gives UK FIRE savers the date and the levers. A saver with £180,000 across pensions and ISAs, spending £3,200 a month and saving £2,400 a month, gets a specific projection: at a 5% real return and the current savings rate, you reach 25x your spending at age 49 and 3 months. State Pension income from 67 reduces the required portfolio by around £314,000.
Delphina also shows what moves the date. Increasing your SIPP contribution by £300 a month brings retirement forward by 8 months. Reducing monthly eating out by £150 adds 3 months.
Add up your real annual spending for the last 12 months from your bank statements and multiply by 25. That is your FIRE number today. Connect Delphina this week to get the date.