Create a client model in a household's Planning → Investments → Models when that household needs its own target definition. Client models stay with that household; firm models live in Templates → Model portfolios and are available across client files. Neither kind changes actual holdings when created.
How do I create a client model?
Advisors create a household-specific target in Planning → Investments → Models. Clients don't receive this model editor in their Investments view.
Open the intended household and choose Planning → Investments.
Select Models, the fourth Investments tab.
In Portfolio library, choose Create client model.
Enter Name and an optional Description.
Choose By Asset Class, add categories with + Add asset class..., and enter Percentage values. Or choose By Holdings, select securities through Add holding..., and enter Weight percentages.
Bring the total to 100% and select Create. Confirm the saved model appears in Portfolio library; the Client filter limits that list to household models.
Dora can also propose creating, editing, or deleting a client model in the household file. Review the proposed name, method, weights, and any other proposed changes before approving; then check the saved result in Portfolio library.
Creating a client model doesn't assign it to an account. Use Assigning Target Portfolios to Accounts for assignment steps, or Comparing a Client's Portfolio to a Target to test the model without assigning it.
Which definition method should I use for a client model?
In Planning → Investments → Models, choose an asset-class definition for category percentages or a holdings definition for specific securities and target weights. Both need a name and a total of 100%.
For By Asset Class, use + Add asset class..., select each class, and enter its Percentage. Choices include US Stock, Non-US Stock, Bond, Cash, Real Estate, Annuity, Business, Alternatives, Crypto, and Other.
For By Holdings, search Add holding..., select a security, and enter its Weight as a percentage. Repeat for each security. These weights describe a target, not share quantities or dollar balances.
New rows start at 0. Check Remaining and each percentage if Create is unavailable. Switching methods doesn't convert one definition into the other; review the active rows before saving.
Kerdora calculates a holdings model's asset-class mix from its securities' classifications and target weights. Portfolio library labels only US Stock, Non-US, Bond, and Cash percentages; other classes and missing classifications appear as unlabeled bar segments. Select the model in Compare to see every class by name, including Unclassified. A 100% total alone doesn't confirm complete security data.
When does a household need a client model?
Planning → Investments → Models lets an advisor maintain a separate definition for a household with an allocation, restriction, or comparison that a firm model doesn't describe.
For example, an advisor could define a target that includes a retained concentrated position, or save a proposed allocation for comparison during a client meeting. The model records the entered weights; it doesn't enforce a trading restriction or calculate a transition schedule.
A client model can be assigned to accounts or used only as a Compare benchmark. Creating it doesn't overwrite a firm model or make it available to other households.
Use a firm model when several households should share a centrally maintained definition. Which option fits depends on your investment process and the household's circumstances. See Target Portfolios: Creating Firm Models in Templates for firm definitions.
How do I edit a saved client model?
In Planning → Investments → Models, expand a client model's row in Portfolio library to reach its editor. Clicking the row expands its usage details; it doesn't immediately open the editor.
Find the model, using the Client filter if helpful.
Expand its row and choose Edit model under Current household assignments.
Change Name, Description, the definition method, allocation percentages, or holding weights.
Choose Save Changes to save, or Cancel to leave without saving.
Review the saved mix and any accounts using that model, then check Compare if needed.
A saved edit changes the definition used by that household's existing assignments. Used by and Current household assignments show accounts in this household, including a model's share of a blended target.
Firm models don't offer this Edit model action in the household library. Edit their shared definitions in Templates → Model portfolios instead.
How do I delete a client model?
In Planning → Investments → Models, replace a client model’s target assignments before deleting it from its editor.
Expand the client model’s Portfolio library row and inspect Current household assignments. It lists effective targets only; a rule hidden by an override won’t appear.
Check Target assignments and replace every rule and account override using the model, including rules currently overridden.
Select Edit model, then Delete model, and confirm Delete. Save any edits you want to keep first: Delete model closes the editor, and dismissing confirmation keeps the model but loses unsaved edits.
Review account targets again. Investigate “No target” or missing Goal coverage and choose replacement models for any remaining stale rules.
Deleting a client model leaves actual investment accounts and holdings intact. Assignment rules can still point to the deleted definition, so don't assume removal returns an account to its inherited target. Use Assigning Target Portfolios to Accounts to correct or clear those rules.
There isn't an Undo control for model deletion. Recreating the same name creates a different model; select that new model in the intended assignments and verify Review and Compare afterward.
Can I compare a client model without assigning it?
Yes. In Planning → Investments → Compare, choosing a client model changes the comparison benchmark without changing account assignments.
Choose the comparison scope, such as Specific accounts, and select the intended accounts.
Open the target selector and choose the model under Use one client model.
Review allocation differences and available holding-level results for that scope.
Compare remembers the target choice for this household. After testing, choose Their existing target portfolios (shown as “Existing targets” in the selector) to restore comparison against assigned targets.
Use Comparing a Client's Portfolio to a Target for the full comparison procedure and limits. Return to Models if you decide to save an assignment.
Comparison doesn't buy or sell securities, replace current holdings, or make the model visible as another household's template. Keep a model that is only being considered separate from the target assignments you intend to use for ongoing Review Status.