You want a financial plan you can see and act on yourself. Fundment is the platform your adviser uses to run their back office. Here is the difference.
Fundment is a back-office platform for wealth managers. The planning decisions on Fundment are made by your adviser. The platform handles the operational side: consolidated reporting across custodians, performance attribution, compliance workflows, and client statement generation. It is not a personal financial planning tool.
Delphina plans for the individual. You see the plan, you adjust the inputs, you watch the projection move. There is no adviser in the middle. 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. Fundment-using advisers typically charge 0.5-1% of assets per year for ongoing advice, which on a £500,000 portfolio is £2,500-£5,000 a year. The platform behind the scenes helps the adviser deliver consolidated reporting, performance attribution, and compliance at scale.
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, not just the investment portfolio. 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. With an adviser-led Fundment setup, you are trusting the adviser's model. With Delphina, you are driving.
Pull your State Pension forecast from gov.uk and your latest pension statement. Connect both to Delphina this week. If you are already working with a Fundment-using adviser, share the Delphina projection with them at your next review. You will go in with a clear picture of where you stand, which makes the conversation more useful.