Frustrated by high fees and advisor requirements? Want comprehensive planning without the wealth management costs? You are not alone - thousands are seeking affordable independent planning that works for everyone.
St James Place charges thousands in annual fees and advisor charges. Completely out of reach for most people.
Cannot use without a financial advisor. Not a DIY tool - requires professional involvement for everything.
Limited DIY options. Everything requires meetings and advisor hand-holding.
Outdated methods compared to modern AI-powered planning tools. No innovative technology.
Limited online functionality. Relies on traditional face-to-face advice model.
Designed for high-net-worth individuals. Not accessible for average savers.
| Feature | St James Place | Delphina |
|---|---|---|
| DIY Online Access | ✗ | ✓ |
| No Advisor Required | ✗ | ✓ |
| Affordable Pricing | ✗ | ✓ |
| Automatic Transaction Categorisation | ✗ | ✓ |
| Investment Tracking | ✓ | ✓ |
| Long-term Planning (30+ years) | ✗ | ✓ |
| Scenario Planning & 'What-if' Analysis | ✗ | ✓ |
| AI-Powered Insights | ✗ | ✓ |
| Budgeting & Expense Tracking | ✗ | ✓ |
| Retirement Planning | ✓ | ✓ |
| Feature | St James Place | Delphina |
|---|---|---|
| Financial Guidance Type | Traditional advice | Intelligent guidance |
| Minimum Investment | High (£100,000+) | No minimum |
| Digital Tools | Limited | Advanced |
| Cash Flow Analysis | Basic | Comprehensive |
| Scenario Planning | Manual | Smart technology |
| Fee Structure | Complex | Transparent |
Advanced smart technology projections and scenario planning that traditional wealth managers can't match
Comprehensive view of your finances with real-time cash flow analysis and automated categorisation
Tailored financial advice that adapts to your unique situation and goals
While St James Place offers traditional wealth management services, Delphina provides modern, accessible financial guidance that leverages cutting-edge technology. Our platform offers comprehensive financial planning tools, smart technology insights, and intelligent guidance without the high minimum investments or complex fee structures typical of traditional wealth managers.
Join thousands of users who have switched to Delphina for better financial guidance
Get Started FreeDelphina provides comprehensive financial planning that goes beyond what most competitors offer - with AI-powered insights and better value.
Delphina offers more features at competitive pricing - giving you better ROI than most alternatives.
Delphina includes 30-year forecasting, retirement planning, and scenario analysis - comprehensive tools for your future.
Delphina combines budgeting, forecasting, goals, and wealth building in one powerful platform.
Delphina is UK-optimised with Open Banking, FCA awareness, and local support.