The Limits of Model Portfolios and How to Personalize Asset Allocation

“There are thousands of models out there. Every single one of those models has one thing in common. They know absolutely nothing about the client.”

In this short clip from Whiskey & WealthTech with Martin Tarlie Matthew Kadnar, CFA and Alex Serman, CIPM at First Rate, Inc we talk about why personalization breaks down when asset allocation isn’t connected to goals, cash flows and outside assets.

We believe a more practical approach is to start with a standard core model and enhance it with satellite positions that reflect the client’s actual reality. Private assets, held-away assets, or other unique circumstances can all be incorporated in a systematic way.

We call this “freedom within a framework.” Advisors can personalize portfolios while operating inside a structure that provides consistency, guardrails and enterprise confidence.

#goalsbasedinvesting #wealthbenchmark #modelportfolios