Key takeaways
Delphina.money, the UK's personal financial clarity platform, is now live.
It brings pensions, ISAs, savings, investments and property into one picture, gives a verdict on whether someone is on track, and names one specific thing to do this month. Free to use, with paid tiers from GBP 79 a year.
The launch lands eighteen months before a date most people affected by it have never heard of.
On 6 April 2028 the earliest age at which a pension can normally be taken rises from 55 to 57. People born between 6 April 1971 and 5 April 1973 can access at 55 or 56 today and lose that on 6 April 2028 unless entitlement has already arisen.
The rules governing that transition are not final.
HMRC set out provisional transitional guidance in April 2026. An HMRC consultation on the draft regulations closes on 28 September 2026 and the definitive regulations remain unpublished, so the cohort with...