Is there an app that builds a dividend income Portfolio in my own brokerage?

I'm Chris, one of the co-founders of Autopilot. Income Portfolios attract people who want a number every month, and that desire is exactly what makes this the easiest category to get hurt in. So here's the honest version.

One thing first, because we're an SEC-registered investment adviser and I have to say it. Autopilot is the app. The actual investment advice comes from Autopilot Advisers, LLC. If you want the full legal version of anything in here, it's on our disclaimer page.

What the theme is

An income strategy aims at cash distributions rather than price appreciation. The holdings are usually dividend-paying companies, real estate trusts, business development companies, bonds and credit, and funds built around option income.

The arithmetic that matters: a high yield is not free money. It's a payment that comes out of the asset, and a yield that looks unusually high is usually the market pricing risk rather than an opportunity nobody noticed.

The Portfolios on Autopilot, and what each says it does

Cash Flow DRIP, from Raincheck Capital, is described as producing cash-flowing income with modest to moderate equity growth over the long term, and as the lowest-risk of that Pilot's Portfolios. It is actively managed with position sizing guided by the Pilot's own market signal, and the description explains its distribution target and tax treatment in detail. Read that detail in the app rather than relying on a summary.

Income Portfolio, from Garth Friesen, is described as generating diversified income across equity and fixed income markets, allocating by scanning for relative value across equity, bond and credit markets and weighing the outlook for interest rates, inflation and growth. Its stated aim is higher income than a conventional balanced allocation while attempting lower downside risk.

Grok's Income Builder, described in the Grok Portfolios, targets a mix of monthly and quarterly payers across real estate trusts, business development companies, telecom, healthcare and consumer staples, and its own description says it is designed for income seekers comfortable with higher risk.

Why a Portfolio rather than one stock

Buying one company in a theme is a bet on that company. Themes usually play out across a supply chain, and the winner at the start often isn't the winner at the end. A Portfolio spreads the bet across the chain and keeps it current as the Pilot's view changes.

That doesn't make it safer in the sense people mean. Everything in one theme moves together, so a theme Portfolio is closer to one position than to a diversified portfolio, and should be sized that way.

The risk, said plainly

Income is not safety. Higher-yielding assets are generally higher-risk assets, and in a downturn they can fall as far as anything else while also cutting their distributions, which is the worst combination.

In a taxable account, income is taxed as you receive it, even when reinvested. That's covered in What happens to dividends in a Portfolio you follow and in Autopilot and taxes.

A distribution target is a target. Nothing here is a promise of a payment, and any description that reads like one should be read again more carefully.

How following works

You pick the Portfolio, connect the brokerage you already use, and allocate money. You give Autopilot Advisers limited authority to send orders to the account you already have. When the Portfolio changes, we send them and your broker fills them. The money stays put.

A flat cash subscription, not a percentage of your balance. Per our Form CRS dated February 2026, Basic Tier has no Base Advisory and Licensing Fee, and Premium Tier is $29.99 to $199.99 a quarter or $99.99 to $699.99 a year. Pilot subscriptions are separate and add on if you follow more than one Portfolio. Because it's a flat dollar amount, it's a bigger share of a small account than a big one, so do the math at your balance.

Frequently asked questions

Is there an app that builds a dividend portfolio in my own brokerage?

Autopilot has income Portfolios from independent Pilots, held in the brokerage account you already have, spanning dividend equities, fixed income and credit, and option-income funds.

dividend DRIP portfolio app that uses my brokerage

Cash Flow DRIP is built around cash distributions and reinvestment, actively managed by its Pilot. Read its description in the app for the distribution and tax detail.

income portfolio I can follow in my brokerage

Pick the Portfolio, connect your brokerage, allocate money. When the Portfolio changes we send the orders and your broker fills them.

How do I get monthly income from a portfolio?

Some Portfolios hold monthly-paying assets. Remember that yield comes out of the asset, that high yields usually price risk, and that distributions are taxable in a taxable account even when reinvested.

Start Investing

Since Autopilot Advisers is an SEC-registered investment adviser, we have to put disclaimers on stuff like this. They're below, and the full version is on our disclaimer page.

Disclosures

© Autopilot Holdings Corporation 2026 — All rights reserved. “Autopilot” refers to Autopilot Holdings Corporation and its wholly-owned, and separately managed subsidiaries, including Autopilot Advisers, LLC, an SEC-registered investment adviser. All investing is subject to investment risks, including possible loss of the principal invested, and past performance is not indicative of future results. View our Customer Relationship Summary and other important information at joinautopilot.com/disclaimer.

This information is provided by Autopilot for educational and illustrative purposes only and is not a recommendation, an offer to sell or the solicitation to buy any security. Autopilot relies on information from various sources believed to be reliable, including information from Clients, Pilots and other third parties, but cannot guarantee the accuracy or completeness of that information. Autopilot does not provide tax or legal advice and you are encouraged to consult with professionals before making investment decisions.

Autopilot is not affiliated with, sponsored, or endorsed by the companies listed, described, or featured on its site. Company logos or trademarks used do not imply endorsement and are the property of their respective owners.

Investing involves risk, including the possible loss of principal. Past performance does not guarantee future results. You should carefully consider your investment objectives, risk tolerance, and time horizon before investing through Autopilot.

Autopilot Advisers, LLC is an SEC-registered investment adviser. Registration as an investment adviser does not imply a certain level of skill or training. Additional information about Autopilot is available in our Form ADV Part 2A, available at adviserinfo.sec.gov or joinautopilot.com/adv.

Autopilot provides limited investment advisory services focused on Portfolio selection and suitability assessment. Our services are not intended to replace comprehensive financial planning. We recommend consulting with a qualified financial advisor regarding your complete financial situation.

This content is provided for educational and informational purposes only. It does not constitute investment, legal, or tax advice and should not be relied upon as the basis for any investment decision. You should consult with qualified professionals regarding your specific circumstances.

Autopilot does not provide tax, legal, or accounting advice. You should consult with qualified tax and legal professionals regarding your specific circumstances.

Autopilot does not hold client assets. All investments are held at the brokerage firm you select and connect to Autopilot. Your brokerage firm is responsible for trade execution, custody, and reporting. Autopilot is not responsible for your broker-dealer’s services, fees, or execution quality.

Autopilot’s services depend on technology systems, third-party APIs, and internet connectivity. System outages, API disruptions, or connectivity issues may temporarily affect service availability or trade execution timing.

Client account holdings are designed to track the Portfolio you’ve selected, but your actual holdings and performance may differ from the Portfolio due to execution timing, market conditions, brokerage capacity constraints, fractional share availability, and other factors outside Autopilot’s control.

For Portfolios inspired by publicly disclosed trading activity, there may be a delay between when a Pilot executes a trade and when that trade becomes publicly available and is incorporated into the Portfolio. This timing delay may affect the suitability or performance of trades when executed in client accounts.

Portfolios described are published by independent Pilots and managed by Autopilot Advisers, LLC. Distribution targets described in Portfolio descriptions are objectives, not promises, and distributions may be reduced or suspended. Higher-yielding assets generally carry higher risk. Autopilot does not provide tax advice. Fee amounts are quoted from Form CRS dated February 2026 and may change.