You want a financial plan you can see and act on yourself. Quilter is a platform that plans on behalf of advisers. Here is the difference.
Quilter is a B2B wealth management business. The planning decisions on Quilter-using setups are made by your adviser, not by you. Quilter's role is to provide the platform infrastructure: SIPP and ISA administration, model portfolio execution, consolidated reporting. The day-to-day planning and 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.
Quilter's platform serves UK IFAs managing substantial client portfolios. The platform's investment options are broad (managed portfolios, self-select funds, drawdown strategies) and the back-office tools are well developed. For advisers managing clients with complex situations, Quilter's depth is useful.
The catch is the same as with any adviser-led model: the ongoing 0.5-1% fee, and you do not control the assumptions directly.
Delphina plans the whole picture. 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 Quilter 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. Within 15 minutes you will have a specific number for your retirement gap and one monthly action.