You want a financial plan you can see and act on yourself. Parmenion plans on behalf of advisers, not on your behalf. Here is the difference.
Parmenion is a portfolio management platform used by UK IFAs. The planning decisions on Parmenion are made by your adviser, not by you. The platform handles the investment side: model portfolios, asset allocation, rebalancing, and reporting. The day-to-day planning, the goal setting, and the life moment choices are your 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. 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. Parmenion-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 argument is that the adviser's portfolio construction, tax efficiency, and rebalancing discipline earn back the fee over time.
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. The Parmenion platform is the investment vehicle behind that.
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 Parmenion 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 after a month you decide your situation is complex enough to warrant advice, search the Parmenion adviser directory for a discovery call. You will go in with a clear picture of where you stand, which makes the conversation more useful.