Model Portfolio

A model portfolio is a standardized investment strategy — defined by specific holdings and target weightings — that an advisor uses as a template across multiple client accounts with similar goals or risk tolerance. Model portfolios simplify portfolio management at scale: instead of building a bespoke strategy for each client, the advisor maintains a set of models (e.g., Conservative Income, Balanced Growth, Aggressive Growth) and assigns each client to the appropriate model. For income-focused advisors, model portfolios often include high-dividend stocks and ETFs. Monitoring the dividend safety of model portfolio holdings is critical, since a single dividend cut in a widely-held model affects all clients simultaneously.