Why Most Model Portfolios Ignore Client Goals

Almost every model portfolio has the same problem. It doesn’t know anything about a client’s goals or their financial plan.

As Adam Scully-Power, CIMA®, CPWA® explains, this is where advisors have an opportunity: You’re great at building personalized financial plans. But too often, those plans get matched with one-size-fits-all portfolios. It’s like designing a custom home and then handing over the keys to a cookie-cutter flip.

Leading advisors are shifting that story. They start with the client’s goals and financial plan. They translate those goals into a personalized wealth benchmark. Then they optimize portfolios to maximize the chance of success. So when a client asks, “Why did you recommend this portfolio?” the advisor can point directly to how every allocation supports their goals. That changes the conversation and builds confidence. This is the kind of shift we are helping advisors lead.

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