Your adviser's eMoney portal gave you a 30-year Monte Carlo simulation, but you cannot change any of the inputs yourself. Delphina gives you the same kind of projection, and you drive the assumptions. Here is the honest difference.
eMoney Advisor (now owned by Fidelity) is a US cash flow modelling platform used by advisers. The platform handles Monte Carlo simulations, tax-efficient withdrawal sequencing, Roth conversions, and Social Security timing. The client portal gives you a read-only view of your adviser's plan.
Delphina is built for the individual. You open an account, add your UK accounts, and see your full UK picture on day one. You drive the assumptions and watch the plan update as your life changes.
eMoney Advisor's Monte Carlo simulations are well respected among US advisers. The platform runs thousands of scenarios with correlated asset returns, handles US tax-specific modelling including Roth conversions and Social Security timing, and produces detailed client reports.
For US households working with an eMoney-using adviser, the platform gives depth that self-service tools struggle to match.
Delphina is built for the UK. It uses UK pension rules, ISA limits, the State Pension forecast, and the dividend and capital gains allowances. eMoney Advisor's US tax modelling is irrelevant for a UK household.
Delphina also gives you a tool you control. With eMoney Advisor, you see what your adviser built. With Delphina, you build the plan yourself. The 0.5-1% ongoing fee that often comes with an eMoney-using adviser does not apply to Delphina's self-service tier.
| Feature | eMoney Advisor | Delphina |
|---|---|---|
| Monte Carlo simulations | ✓ | ✓ |
| US-specific tax modelling | ✓ | ✗ |
| UK pension rules modelled correctly | ✗ | ✓ |
| UK State Pension forecast | ✗ | ✓ |
| Date-based retirement projection | ✗ | ✓ |
| FIRE number and date projection | ✗ | ✓ |
| Goal-based monthly action list | ✗ | ✓ |
| You control the inputs directly | ✗ | ✓ |
| Plan updates automatically as life changes | ✗ | ✓ |
| Annual Cost | Included in adviser fee (typically 0.5-1%/year) | Free tier available |
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 UK retirement plan that you control, with one monthly action to close the gap.