Educational use only. Not financial, investment, tax or legal advice.

Facet vs Delphina: Financial Planning

You want a financial plan built for the UK. Facet plans for US households. Here is the difference.

Where Facet is stronger

Facet combines investment management with access to a real CFP, which is unusual at Facet's price point. For US households who want both portfolio management and a human adviser without paying 1% of assets per year, Facet is a credible option.

The Premium tier ($190/month) covers unlimited CFP access, tax-loss harvesting, direct indexing for $50k+ portfolios, estate planning basics, and retirement projections. For a US household with $200k-$1m, this is a meaningful all-in-one service at a known monthly fee.

Where Delphina is stronger

Delphina is built for the UK. It uses UK pension rules, ISA limits, the State Pension forecast, and the dividend and capital gains allowances. Facet's US-specific tax modelling is irrelevant for a UK household.

Delphina also plans from your real money. 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.

Who should pick which

Pick Facet if

-You live in the US and want a flat-fee service with a human CFP.
-You have $50k+ invested and want tax-loss harvesting.
-You want estate planning basics bundled with the portfolio management.

Pick Delphina if

-You are a UK household and want UK-specific rules modelled.
-You want to drive the plan yourself, with full visibility of the assumptions.
-You want a date, not just a probability.

One thing to do this month

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.