You want to retire at 50. Fundment is the back-office platform many UK advisers use. Delphina plans your path to early retirement. Here is how the two fit together.
Fundment has no FIRE number, no retirement date, and no individual projection. It is a B2B platform that helps UK wealth managers run their back office. The FIRE planning question is not what Fundment answers. Your adviser, if you have one, would do the retirement modelling outside Fundment and use Fundment for the reporting and compliance side.
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 Fundment-using adviser's portfolio or in a self-invested personal pension of your choice.
If you are pursuing FIRE with a substantial portfolio (£500k+), having a Fundment-using adviser manage the investment side can be worth the fee. The adviser's portfolio construction, 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. You would need to be confident the adviser's value exceeds that cost. For many DIY-leaning FIRE savers, the math does not work.
Delphina gives UK FIRE savers the date and the levers. A 38-year-old 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 you what moves the date. Increasing your SIPP contribution by £300 a month brings the date forward by 8 months. Reducing monthly eating out by £150 adds 3 months. You can adjust the levers and watch the projection update in real time.
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, with no tool. Connect Delphina this week to get the date. If you have a Fundment-using adviser, share the Delphina projection with them. If you do not, the platform alone gets you most of the way.