You want to retire at 50. Quilter is the platform your adviser uses. Delphina plans your path to early retirement. Here is how the two fit together.
Quilter does not have a FIRE number or a retirement date surfaced to clients. It is a wealth management platform. The FIRE planning question is not what Quilter answers directly. Your adviser, if you have one, would do the retirement modelling and use Quilter for the platform administration.
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 Quilter-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 Quilter-using adviser manage the planning and drawdown can be worth the fee. The adviser's drawdown sequencing, tax-efficiency, and rebalancing discipline are useful for the run-up to and the early years of retirement.
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.
Delphina gives UK FIRE savers the date and the levers. A saver 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 what moves the date. Increasing your SIPP contribution by £300 a month brings retirement forward by 8 months. Reducing monthly eating out by £150 adds 3 months.
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. Connect Delphina this week to get the date. If you have a Quilter-using adviser, share the Delphina projection with them.