You want a financial plan you can see and act on yourself. eMoney Advisor plans on behalf of advisers. Here is the difference.
eMoney Advisor is a B2B platform. The planning decisions on eMoney are made by your adviser, not by you. The platform handles the modelling, the scenario testing, the Monte Carlo simulations, and the report generation. You see the result via the client portal, but the inputs and adjustments are the 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.
eMoney's Monte Carlo simulations are among the best in the consumer-facing planning space. The platform runs thousands of scenarios with correlated asset classes and inflation paths, and gives a probability of success under each scenario. For US households optimising Social Security timing, Roth conversions, or Medicare premium cliffs, eMoney's depth is hard to match.
The platform is also integrated with Fidelity's other tools if your adviser works inside the Fidelity ecosystem. That integration is unique.
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's US-specific tax modelling is irrelevant for a UK household.
Delphina also plans from your real money. The platform reads your actual income and spending, knows your pension and ISA balances, and projects forward. A 42-year-old with £148,000 in pensions and £35,000 in ISAs gets a specific answer, not a probability. The plan updates as your life changes.
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.