You want a financial plan you can see and act on yourself. RightCapital plans on behalf of advisers. Here is the difference.
RightCapital is a B2B platform. The planning decisions on RightCapital are made by your adviser, not by you. The platform handles the modelling, scenario testing, Monte Carlo simulations, and report generation. You see the result via the client portal, but the inputs and adjustments are the 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.
RightCapital's Monte Carlo simulations are well respected in the US adviser community. The platform runs thousands of scenarios with correlated asset classes, inflation paths, and dynamic withdrawal strategies. For US households optimising Social Security timing, Roth conversions, or Medicare premium cliffs, RightCapital's depth is hard to match.
The platform also handles education planning (529 plans), Social Security claiming strategies, and detailed tax bracket management. For US households with complex tax situations, RightCapital is among the best at this price point.
Delphina is built for the UK. It uses UK pension rules, ISA limits, the State Pension forecast, and the dividend and capital gains allowances. RightCapital's US-specific tax modelling is irrelevant for a UK household.
Delphina also plans from your real money. A 42-year-old with £148,000 in pensions and £35,000 in ISAs gets a specific answer in Delphina. The plan updates as your life changes.
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.