Model portfolios (target portfolios) are reusable allocation templates you build once at the firm level and then assign to client accounts. They live in Templates > Model Portfolios — open your profile menu in the top-right and click Templates, then click the Model Portfolios sub-tab.
Use model portfolios when you have a standard set of allocations you want to apply consistently across clients (e.g., Conservative, Moderate, Growth). Once you've created them at the firm level, they're available on every client file.
New firms start with 5 built-in models: Conservative, Moderate Conservative, Moderate, Moderate Aggressive, and Aggressive Growth. They're a starting point — edit them to match your actual allocations, delete the ones you don't use, or add your own.
Where to Find Model Portfolios
Click your profile menu in the top-right corner.
Click Templates.
In the Templates sub-nav, click Model Portfolios.
The full URL is /templates/model-portfolios. The Templates page also includes Guides, Guide Fields, "Changes" Categories, Spending Categories, and Document Folders as other sub-tabs — model portfolios live alongside them.
Creating a Model Portfolio
Click Create Model Portfolio in the top-right of the page.
A drawer opens with the portfolio editor.
Fill in:
- Name — what you want to call this allocation (e.g., "Moderate Growth," "60/40 Core").
- Description (optional) — short note about when to use it.
- Allocations — set the target percentages by asset class. The total must sum to 100%.
Click Save to create it. The portfolio appears as a card on the Model Portfolios page and becomes available across every client file.
You can create as many as you need.
Editing or Deleting a Portfolio
On the Model Portfolios page, each portfolio appears as a card.
Edit — Click the edit icon on the card. The same drawer reopens with the portfolio's current values. This works on the built-in starter models too — they're yours to reshape.
Delete — Click the delete icon on the card and confirm. Deleting removes the firm-level model and detaches it from any clients it was assigned to.
What "Firm-Level" Means
Model portfolios you create here are visible on every client file in your firm. When you go to Planning > Investments for any client, the model portfolios you defined here show up in the Target Portfolio picker.
You can also build per-client model portfolios if a specific client needs a one-off allocation that doesn't fit any firm model. Those live on the individual client and don't show up for other clients. See Target Portfolios: Per-Client Portfolios and When to Use Them for that workflow.
Why Use Model Portfolios
Consistency — Every advisor in the firm assigns from the same set of allocations.
Speed — Setting a target on a client account is one click instead of a custom allocation each time.
Drift tracking — Once a target is set, Kerdora shows how each account drifts from the model. See Reading Drift Badges in Investments for what those badges mean.
Guides — Guide components like Portfolio vs. Target read directly from the model portfolio you've assigned. Building solid firm models once pays off everywhere they're referenced.
Tips
Make the built-ins yours. The 5 starter models ship with generic allocations. Review them before assigning — your "Moderate" probably isn't ours.
Name them like you talk about them. If you call them "60/40" internally, name them "60/40 Core" — not "Moderate Balanced Allocation Series B."
Update centrally. When you tweak a model here, the change propagates to every client account that uses it. That's the whole point.
Use per-client overrides sparingly. They're powerful but easy to lose track of. Firm models are the easier system to maintain.