client_id,persona_style,account_type,base_currency,as_of_date,total_equity_usd,cash_usd,invested_usd,leverage_x,allocation_equity_pct,allocation_fixed_income_pct,allocation_alts_pct,allocation_cash_pct,top_positions,region_exposure_pct,factor_exposure_z,constraints,max_position_pct,max_sector_pct,drift_tolerance_pct,stoploss_policy,risk_budget_var_95_bps,max_drawdown_limit_pct,market_regime,vix_level,rates_10y_pct,inflation_yoy_pct,credit_spread_ig_bps,signal_alpha_bps,signal_confidence_1_100,risk_score_1_100,breach_flag,action_proposed,action_details,expected_impact_alpha_bps,expected_risk_change_bps,execution_venue,order_type,order_fill_ratio_pct,self_correction_trigger,self_correction_action,self_correction_reason,outcome_after_7d_pnl_bps,outcome_after_7d_var_change_bps,outcome_after_30d_pnl_bps,user_feedback_1_5,advisor_override_flag,notes
P0001,Cautious,Taxable,USD,2025-04-14,746662,81995,664667,1.0,39.1,44.3,5.6,11.0,MUB:7.6%;GLD:8.8%;HYG:22.7%;IEF:22.7%;BRK.B:22.7%;AMZN:15.4%,US:65.4;EU:19.9;APAC:6.9;EM:6.5;Other:1.3,Value:+0.1;Growth:-0.0;Quality:-1.0;Size:+0.9;Momentum:-0.4;LowVol:+0.5,MaxPos7%;NoMargin,10,25,3.1,hard 10%,159,17.3,Bull,11.6,4.61,2.3,98,62,94,23,false,Sell,Trim extended winner -1%,17,-1,BrokerA,LMT,85,None,None,Normal monitoring,86,-11,205,5,false,Within IPS guidelines
P0002,Cautious,Taxable,USD,2025-03-28,570741,71003,499738,1.0,48.9,31.5,3.2,16.4,QQQ:19.8%;IEF:11.6%;AMZN:20.0%;AAPL:15.5%;BND:20.1%;VTI:12.9%,US:76.1;EU:10.0;APAC:8.9;EM:4.9;Other:0.1,Value:-0.6;Growth:+0.1;Quality:-0.7;Size:+0.8;Momentum:+0.1;LowVol:-0.8,ESGOnly;NoDerivatives;NoMargin,10,35,5.2,hard 10%,161,13.6,Volatile,20.5,4.27,4.1,162,48,77,48,false,NoAction,Within bands; monitor,27,0,BrokerB,MKT,0,None,None,Normal monitoring,-38,19,47,5,false,Tighten stops on momentum names
P0003,Active,Roth,USD,2025-09-26,1146372,127203,1019169,1.0,57.3,28.6,8.0,6.1,BRK.B:23.2%;AAPL:18.0%;QQQ:17.1%;VTI:18.5%;VNQ:23.2%,US:71.5;EU:9.2;APAC:10.3;EM:7.6;Other:1.3,Value:+0.9;Growth:0.0;Quality:+0.3;Size:+0.9;Momentum:-0.4;LowVol:+0.3,,6,25,5.5,trailing 9%,205,16.6,Bull,13.6,3.98,2.3,77,48,63,47,false,Buy,Add to core equity +1%,33,-28,BrokerB,MKT,96,None,None,Normal monitoring,-18,8,111,3,false,Tax-aware sells next window
P0004,Active,Trust,USD,2025-06-24,663578,52072,611506,1.14,62.0,28.5,0.0,9.5,HYG:27.1%;XLF:27.1%;MUB:18.7%;VTI:27.1%,US:75.5;EU:7.9;APAC:6.6;EM:8.8;Other:1.3,Value:-0.1;Growth:-0.9;Quality:+0.1;Size:+0.6;Momentum:-0.2;LowVol:-0.8,,10,25,4.3,trailing 9%,200,16.9,Bear,24.6,3.12,2.0,142,-20,39,73,true,Reduce,"Cut high-beta by 2-3%, add cash",35,-17,BrokerA,LMT,89,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-25,-46,80,3,false,Tighten stops on momentum names
P0005,Opportunistic,Trust,USD,2025-11-15,371203,27639,343564,1.0,72.4,19.8,0.0,7.8,GLD:37.3%;IEF:37.3%;MUB:25.4%,US:67.2;EU:16.3;APAC:10.6;EM:4.9;Other:1.0,Value:+0.9;Growth:+0.1;Quality:+0.4;Size:-0.4;Momentum:+0.7;LowVol:+0.7,MaxPos6%;NoDerivatives,8,30,6.5,trailing 7%,189,26.6,Bull,11.4,4.82,3.2,115,54,84,50,false,Buy,Add to core equity +1%,12,-16,BrokerD,LMT,85,None,None,Normal monitoring,116,-35,211,5,false,Within IPS guidelines
P0006,Opportunistic,Roth,USD,2025-07-14,1559021,58423,1500598,1.16,67.2,19.7,7.8,5.3,TLT:33.3%;VNQ:33.3%;MSFT:33.3%,US:61.7;EU:13.1;APAC:14.0;EM:7.9;Other:3.2,Value:-0.4;Growth:-0.9;Quality:+0.5;Size:+0.6;Momentum:+0.7;LowVol:0.0,MaxPos6%,7,35,4.3,trailing 9%,199,21.5,Sideways,20.4,4.61,2.2,122,38,81,69,false,Buy,Add to core equity +1%,-8,0,BrokerA,MKT,88,None,None,Normal monitoring,33,-18,82,5,false,Increase defensive factor exposure
P0007,Active,401k,USD,2025-09-29,1623133,127893,1495240,1.24,68.2,20.3,6.0,5.6,TSLA:25.0%;MUB:25.0%;GLD:25.0%;IEF:12.1%;AAPL:13.1%,US:65.2;EU:17.5;APAC:7.3;EM:8.3;Other:1.7,Value:-0.2;Growth:+0.6;Quality:+0.1;Size:-0.9;Momentum:+0.8;LowVol:-0.9,NoDerivatives,10,30,4.7,hard 12%,205,27.1,Volatile,27.6,3.59,2.7,155,-16,33,72,true,Rebalance,Rebalance back to target bands,-4,-33,BrokerB,MKT,100,VAR>budget,Pause,Risk above budget threshold,-31,-3,104,5,false,Within IPS guidelines
P0008,Systematic,Roth,USD,2025-08-19,718950,43599,675351,1.0,63.9,29.4,0.0,6.7,IEF:10.7%;HYG:26.1%;BND:26.1%;QQQ:11.0%;MSFT:26.1%,US:67.1;EU:16.0;APAC:9.8;EM:4.0;Other:3.1,Value:-0.7;Growth:-0.7;Quality:+1.0;Size:+0.4;Momentum:+0.8;LowVol:-0.2,,10,35,5.9,trailing 9%,224,17.0,Volatile,21.8,3.74,3.7,176,26,63,55,false,NoAction,Within bands; monitor,-14,-33,BrokerC,MKT,0,None,None,Normal monitoring,14,-3,143,3,false,Within IPS guidelines
P0009,Systematic,Trust,USD,2025-04-13,1751934,112328,1639606,1.0,58.3,30.6,3.0,8.2,VNQ:23.2%;MUB:28.1%;MSFT:28.1%;XLF:20.6%,US:62.2;EU:17.7;APAC:10.7;EM:5.5;Other:4.0,Value:+0.7;Growth:+0.6;Quality:+0.3;Size:-0.4;Momentum:-0.9;LowVol:+0.5,,5,25,4.7,trailing 9%,164,26.6,Bull,16.7,4.01,3.0,110,16,66,42,false,Buy,Add to core equity +1%,2,-14,BrokerB,MKT,90,None,None,Normal monitoring,65,14,162,5,false,Tighten stops on momentum names
P0010,Active,Trust,USD,2025-05-10,1849792,178780,1671012,1.1,62.5,23.6,4.0,9.9,HYG:33.3%;VNQ:33.3%;GLD:33.3%,US:72.0;EU:6.9;APAC:8.3;EM:8.2;Other:4.6,Value:-0.8;Growth:+0.5;Quality:-0.2;Size:+0.2;Momentum:-0.7;LowVol:+0.5,MaxPos7%;NoDerivatives,6,35,5.2,trailing 8%,177,17.9,Sideways,17.6,4.2,3.1,123,-27,30,49,true,Hedge,Buy index puts 1% notional,5,11,BrokerD,MKT,90,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-25,1,63,3,false,Tighten stops on momentum names
P0011,Systematic,Roth,USD,2025-02-24,1469888,129229,1340659,1.0,60.4,20.2,10.4,9.0,BRK.B:22.3%;IEF:20.3%;AMZN:22.3%;HYG:13.1%;VNQ:8.0%;MUB:14.0%,US:72.6;EU:8.7;APAC:10.0;EM:7.3;Other:1.4,Value:+0.1;Growth:+0.7;Quality:+0.6;Size:+0.7;Momentum:-0.3;LowVol:+1.0,NoDerivatives,8,25,4.5,trailing 8%,228,17.9,Volatile,21.4,5.3,4.5,113,45,63,68,false,Buy,Add to core equity +1%,8,-13,BrokerD,MKT,95,None,None,Normal monitoring,60,-23,191,5,false,Monitor dispersion and breadth
P0012,Opportunistic,Taxable,USD,2025-08-06,1761352,127009,1634343,1.0,70.2,19.6,5.1,5.2,AAPL:13.1%;MSFT:21.9%;IEF:21.8%;HYG:21.3%;VTI:21.9%,US:54.2;EU:20.6;APAC:14.0;EM:6.5;Other:4.7,Value:+0.6;Growth:+0.5;Quality:-0.4;Size:-0.9;Momentum:+0.8;LowVol:+0.9,,8,35,7.0,hard 12%,195,26.0,Bear,31.2,3.48,2.6,201,-36,18,83,true,Reduce,"Cut high-beta by 2-3%, add cash",3,-28,BrokerD,LMT,99,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-44,-45,0,2,false,Within IPS guidelines
P0013,Opportunistic,401k,USD,2025-09-23,1625625,119208,1506417,1.0,77.1,13.4,5.2,4.2,MUB:15.1%;QQQ:18.8%;XLF:20.2%;HYG:10.9%;VOO:18.7%;AMZN:16.3%,US:67.5;EU:15.5;APAC:5.4;EM:10.0;Other:1.5,Value:+0.6;Growth:-0.9;Quality:-0.8;Size:-0.8;Momentum:+0.9;LowVol:+0.1,MaxPos8%;NoDerivatives,10,25,4.1,trailing 7%,201,28.3,Bull,11.4,3.99,2.4,80,107,100,42,false,Buy,Add to core equity +1%,2,-40,BrokerC,MKT,94,None,None,Normal monitoring,-27,18,9,4,false,Within IPS guidelines
P0014,Opportunistic,Taxable,USD,2025-10-04,666184,21211,644973,1.0,74.5,19.1,2.2,4.2,AAPL:13.1%;BRK.B:17.8%;VOO:21.4%;VNQ:23.8%;HYG:23.8%,US:74.1;EU:6.3;APAC:9.8;EM:9.3;Other:0.4,Value:+0.1;Growth:-0.2;Quality:-0.1;Size:-0.4;Momentum:-0.3;LowVol:+0.9,MaxPos7%,6,35,6.8,hard 12%,161,32.7,Volatile,31.5,5.17,3.5,169,-53,19,91,true,Hedge,Buy index puts 1% notional,14,-10,BrokerC,MKT,100,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-55,6,-73,2,false,Monitor dispersion and breadth
P0015,Cautious,IRA,USD,2025-02-24,676040,75024,601016,1.0,52.0,31.6,5.5,10.9,IEF:20.8%;TLT:20.8%;BRK.B:9.3%;VNQ:22.4%;VTI:13.7%;TSLA:13.0%,US:66.7;EU:17.1;APAC:5.3;EM:6.8;Other:4.1,Value:-0.4;Growth:-1.0;Quality:+0.8;Size:-0.8;Momentum:+0.6;LowVol:-0.9,NoMargin,6,35,5.6,trailing 10%,145,18.1,Sideways,21.6,4.8,2.3,94,-11,47,51,false,NoAction,Within bands; monitor,9,-26,BrokerC,LMT,94,None,None,Normal monitoring,70,-9,160,4,false,Tax-aware sells next window
P0016,Hands-off,Taxable,USD,2025-07-12,625867,37627,588240,1.0,68.8,22.0,1.6,7.6,TLT:25.0%;MUB:25.0%;GLD:25.0%;AMZN:25.0%,US:67.7;EU:5.5;APAC:13.1;EM:8.7;Other:5.1,Value:+0.1;Growth:-1.0;Quality:0.0;Size:+0.6;Momentum:-0.9;LowVol:-0.1,,10,25,4.3,hard 10%,118,15.7,Volatile,31.5,5.16,2.3,163,57,77,83,true,Rebalance,Rebalance back to target bands,23,-4,BrokerB,LMT,100,VAR>budget,Pause,Risk above budget threshold,40,-38,173,5,false,Monitor dispersion and breadth
P0017,Systematic,Taxable,USD,2024-10-02,1979131,139535,1839596,1.0,63.9,27.7,0.0,8.3,HYG:12.6%;VTI:17.3%;MSFT:16.3%;QQQ:18.5%;XLF:17.0%;MUB:18.3%,US:68.6;EU:14.5;APAC:11.4;EM:3.8;Other:1.7,Value:+1.0;Growth:+0.4;Quality:+0.5;Size:-0.3;Momentum:-0.7;LowVol:+0.4,,7,35,5.6,trailing 8%,166,24.1,Bull,13.6,3.97,2.6,106,37,73,40,false,NoAction,Within bands; monitor,30,13,BrokerB,MKT,0,None,None,Normal monitoring,114,0,189,5,false,Monitor dispersion and breadth
P0018,Cautious,IRA,USD,2024-11-29,862920,102818,760102,1.0,35.7,31.4,16.8,16.1,TSLA:33.3%;BND:33.3%;GLD:33.3%,US:67.6;EU:18.3;APAC:8.4;EM:5.6;Other:0.1,Value:+0.2;Growth:-0.6;Quality:+0.4;Size:+0.3;Momentum:-0.5;LowVol:+0.1,ESGOnly;NoDerivatives;NoMargin,8,25,5.6,trailing 8%,128,18.6,Sideways,19.5,3.98,3.5,109,23,60,47,true,Hedge,Buy index puts 1% notional,9,12,BrokerB,MKT,99,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,53,-30,58,5,false,Increase defensive factor exposure
P0019,Active,Roth,USD,2025-04-12,1367588,109454,1258134,1.0,55.2,20.1,19.0,5.6,HYG:19.3%;TSLA:25.0%;AAPL:15.9%;BND:14.8%;IEF:25.0%,US:68.9;EU:11.5;APAC:5.2;EM:9.8;Other:4.5,Value:-0.8;Growth:+0.8;Quality:+0.5;Size:+0.1;Momentum:+0.3;LowVol:-0.3,MaxPos5%,6,30,4.2,trailing 8%,152,18.0,Bear,29.2,3.39,1.1,160,-75,19,66,false,Rebalance,Shift +1% to bonds from equity,25,11,BrokerC,MKT,88,None,None,Normal monitoring,24,10,21,4,false,Monitor dispersion and breadth
P0020,Hands-off,Roth,USD,2025-02-07,835352,68138,767214,1.0,60.1,19.1,12.2,8.7,BRK.B:25.8%;IEF:25.8%;BND:25.8%;TLT:22.6%,US:69.1;EU:14.7;APAC:5.7;EM:7.9;Other:2.6,Value:-0.8;Growth:+1.0;Quality:-0.6;Size:+0.7;Momentum:-0.8;LowVol:+0.6,ESGOnly,8,30,5.6,trailing 8%,92,17.3,Bear,29.9,3.21,1.6,212,-48,22,70,false,NoAction,Within bands; monitor,28,-21,BrokerB,MKT,0,None,None,Normal monitoring,-23,-36,13,4,false,Monitor dispersion and breadth
P0021,Opportunistic,401k,USD,2024-07-06,1276360,74036,1202324,1.0,66.4,11.0,14.4,8.2,VTI:10.7%;IEF:23.0%;VNQ:23.0%;VOO:10.4%;TLT:23.0%;XLF:9.9%,US:70.1;EU:10.4;APAC:9.0;EM:5.3;Other:5.2,Value:-0.8;Growth:-0.1;Quality:-0.5;Size:+0.2;Momentum:+0.5;LowVol:-0.2,,6,35,4.0,trailing 7%,262,29.3,Bull,17.6,4.36,2.0,116,66,73,52,false,Sell,Trim extended winner -1%,3,-12,BrokerC,MKT,85,None,None,Normal monitoring,-7,-11,-8,4,false,Increase defensive factor exposure
P0022,Hands-off,Roth,USD,2025-06-18,756039,72449,683590,1.0,56.6,21.3,14.0,8.2,MUB:25.5%;IEF:27.2%;GLD:20.2%;VOO:27.2%,US:66.0;EU:18.1;APAC:8.8;EM:6.7;Other:0.4,Value:+0.6;Growth:+0.4;Quality:+0.5;Size:-0.3;Momentum:+0.8;LowVol:-0.3,ESGOnly;MaxPos7%;NoDerivatives,5,30,5.3,trailing 8%,140,12.6,Bull,15.4,4.99,2.1,71,74,78,54,false,Rebalance,Shift +1% to bonds from equity,11,-5,BrokerA,LMT,100,None,None,Normal monitoring,116,7,201,3,false,Tighten stops on momentum names
P0023,Cautious,Roth,USD,2025-08-22,361380,54217,307163,1.0,47.4,32.3,6.9,13.4,VOO:27.8%;BND:27.8%;MUB:27.8%;GLD:16.6%,US:69.6;EU:14.9;APAC:6.2;EM:7.4;Other:1.9,Value:+0.6;Growth:+1.0;Quality:-0.9;Size:-1.0;Momentum:-0.9;LowVol:+0.6,NoMargin,5,30,4.4,hard 10%,101,14.0,Sideways,20.0,4.14,3.4,114,44,82,41,false,Hedge,Add TLT +1% as duration hedge,24,-39,BrokerA,LMT,90,None,None,Normal monitoring,51,9,65,5,false,Monitor dispersion and breadth
P0024,Hands-off,Roth,USD,2024-07-28,660833,35225,625608,1.0,62.4,15.6,13.0,9.1,VNQ:25.0%;AMZN:25.0%;IEF:25.0%;TLT:25.0%,US:65.4;EU:10.4;APAC:16.6;EM:7.0;Other:0.5,Value:+0.2;Growth:+0.3;Quality:-0.9;Size:+0.2;Momentum:-0.7;LowVol:-0.5,,6,25,3.1,trailing 8%,126,12.0,Sideways,19.4,4.55,3.4,109,26,62,49,false,Sell,Trim extended winner -1%,23,6,BrokerA,LMT,100,None,None,Normal monitoring,86,8,155,5,false,Tax-aware sells next window
P0025,Hands-off,Taxable,USD,2025-01-25,235065,10062,225003,1.0,71.2,17.8,1.3,9.7,GLD:13.2%;BND:22.6%;VTI:16.7%;IEF:22.6%;BRK.B:8.6%;TSLA:16.4%,US:73.9;EU:7.8;APAC:5.4;EM:10.6;Other:2.2,Value:-0.9;Growth:-0.2;Quality:-0.6;Size:-0.6;Momentum:+0.8;LowVol:+0.9,ESGOnly;NoDerivatives,7,30,5.6,hard 10%,115,12.9,Volatile,31.0,4.54,3.6,140,-27,21,76,true,Hedge,Buy index puts 1% notional,-9,3,BrokerD,MKT,91,VAR>budget,Hedge,Risk above budget threshold,-55,9,40,4,false,Increase defensive factor exposure
P0026,Systematic,Taxable,USD,2025-06-11,905345,88867,816478,1.0,57.8,29.4,6.2,6.5,BND:33.3%;IEF:33.3%;BRK.B:33.3%,US:58.3;EU:16.3;APAC:11.0;EM:12.2;Other:2.3,Value:+0.4;Growth:-0.0;Quality:+0.6;Size:-0.8;Momentum:-0.5;LowVol:-0.4,MaxPos8%;NoDerivatives,5,35,4.7,trailing 8%,179,26.3,Sideways,17.7,4.54,2.7,118,-16,38,40,true,Hedge,Buy index puts 1% notional,34,-17,BrokerD,LMT,92,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,96,-1,164,4,false,Monitor dispersion and breadth
P0027,Cautious,401k,USD,2025-03-25,153025,14477,138548,1.0,40.2,35.1,11.7,13.0,BRK.B:21.4%;MUB:13.3%;VOO:21.9%;GLD:21.4%;BND:21.9%,US:66.6;EU:8.8;APAC:12.5;EM:6.8;Other:5.2,Value:-0.6;Growth:-0.5;Quality:+0.9;Size:+0.7;Momentum:+0.1;LowVol:+0.5,ESGOnly;NoDerivatives;NoMargin,5,35,5.0,trailing 8%,145,17.3,Sideways,20.1,3.52,2.7,136,34,60,38,false,Buy,Add to core equity +1%,31,-22,BrokerC,MKT,97,None,None,Normal monitoring,-13,12,-8,3,false,Tighten stops on momentum names
P0028,Opportunistic,Roth,USD,2024-07-20,1506856,105449,1401407,1.08,74.5,12.4,8.5,4.7,VTI:23.1%;MSFT:13.9%;BND:22.4%;AMZN:17.5%;HYG:23.1%,US:66.7;EU:7.9;APAC:11.5;EM:8.9;Other:5.0,Value:+0.2;Growth:-0.7;Quality:+0.9;Size:-0.1;Momentum:-0.4;LowVol:-0.5,MaxPos7%;NoDerivatives,10,25,4.4,trailing 9%,186,24.8,Sideways,18.7,3.97,2.3,100,-27,22,56,false,Rebalance,Shift +1% to bonds from equity,1,-15,BrokerC,LMT,86,None,None,Normal monitoring,-8,-58,-10,5,false,Monitor dispersion and breadth
P0029,Systematic,IRA,USD,2025-03-20,404130,32289,371841,1.0,60.5,23.5,7.2,8.8,TSLA:23.5%;BRK.B:26.5%;MUB:26.5%;HYG:23.6%,US:58.9;EU:21.1;APAC:13.3;EM:6.5;Other:0.2,Value:-0.7;Growth:-0.7;Quality:-0.4;Size:+0.6;Momentum:-0.3;LowVol:+0.4,,10,35,4.2,trailing 9%,143,24.2,Sideways,19.4,4.18,2.6,105,-11,42,47,false,Rebalance,Shift +1% to bonds from equity,-14,-31,BrokerA,MKT,96,None,None,Normal monitoring,-17,-31,48,3,false,Increase defensive factor exposure
P0030,Hands-off,IRA,USD,2025-12-23,600479,55218,545261,1.0,55.8,23.1,12.1,9.0,BRK.B:33.3%;MSFT:33.3%;VNQ:33.3%,US:70.6;EU:9.2;APAC:15.1;EM:3.7;Other:1.4,Value:-0.1;Growth:-0.9;Quality:-0.1;Size:-0.1;Momentum:-0.4;LowVol:-0.3,ESGOnly,8,25,5.1,trailing 8%,125,19.0,Bull,17.0,4.0,2.0,79,95,95,41,false,Rebalance,Shift +1% to bonds from equity,-15,-7,BrokerC,MKT,95,None,None,Normal monitoring,43,2,28,3,false,Tighten stops on momentum names
P0031,Hands-off,IRA,USD,2025-10-04,338424,25986,312438,1.0,67.0,27.6,0.0,5.5,BND:16.6%;HYG:10.1%;VTI:15.9%;MUB:21.1%;GLD:21.1%;VNQ:15.3%,US:72.1;EU:8.3;APAC:6.6;EM:10.1;Other:2.9,Value:0.0;Growth:-0.9;Quality:-0.9;Size:-0.0;Momentum:-0.1;LowVol:+0.1,,8,25,3.8,trailing 10%,148,12.3,Bull,16.1,3.68,3.3,119,98,90,50,false,Rebalance,Shift +1% to bonds from equity,-13,2,BrokerC,VWAP,93,None,None,Normal monitoring,84,-53,141,5,false,Within IPS guidelines
P0032,Active,IRA,USD,2025-11-30,621688,44127,577561,1.0,51.5,24.7,14.8,8.9,AMZN:33.3%;VTI:33.3%;HYG:33.3%,US:62.6;EU:15.5;APAC:11.2;EM:8.4;Other:2.4,Value:+0.8;Growth:-0.6;Quality:-0.3;Size:+0.4;Momentum:-0.4;LowVol:-0.7,MaxPos6%;NoDerivatives,6,25,5.5,trailing 9%,179,23.5,Bull,13.7,4.41,2.8,115,27,60,40,false,Buy,Add to core equity +1%,26,-10,BrokerC,MKT,97,None,None,Normal monitoring,-9,-11,114,4,false,Tighten stops on momentum names
P0033,Cautious,Roth,USD,2025-10-31,491012,39779,451233,1.0,40.6,34.5,11.3,13.5,MUB:27.4%;HYG:27.4%;VTI:24.8%;BND:20.4%,US:82.5;EU:6.4;APAC:6.3;EM:3.2;Other:1.5,Value:+0.3;Growth:-0.4;Quality:-0.5;Size:-0.0;Momentum:+0.8;LowVol:+0.5,ESGOnly;NoDerivatives;NoMargin,7,25,3.3,hard 10%,156,15.5,Volatile,25.9,3.83,4.1,132,12,58,65,false,Hedge,Add TLT +1% as duration hedge,18,-24,BrokerB,LMT,88,None,None,Normal monitoring,77,-38,153,3,false,Tighten stops on momentum names
P0034,Hands-off,Roth,USD,2024-08-11,580589,41645,538944,1.0,65.1,27.1,0.4,7.3,GLD:35.5%;MUB:29.0%;HYG:35.5%,US:69.6;EU:10.0;APAC:8.4;EM:9.3;Other:2.6,Value:+0.9;Growth:-0.5;Quality:-0.4;Size:-0.9;Momentum:+0.1;LowVol:-0.0,ESGOnly,6,35,3.7,trailing 8%,136,12.8,Volatile,21.3,4.94,3.8,122,64,85,65,false,Buy,Add to core equity +1%,12,-36,BrokerD,MKT,92,None,None,Normal monitoring,-8,-10,106,3,false,Tighten stops on momentum names
P0035,Hands-off,IRA,USD,2025-07-14,397811,20546,377265,1.0,68.7,23.4,1.2,6.7,XLF:21.6%;VNQ:8.7%;TLT:9.5%;MUB:19.0%;HYG:19.5%;BND:21.6%,US:70.4;EU:11.0;APAC:7.6;EM:8.4;Other:2.6,Value:+0.4;Growth:-0.4;Quality:-0.4;Size:+0.2;Momentum:0.0;LowVol:+0.6,NoDerivatives,7,35,4.3,trailing 8%,97,14.7,Sideways,15.8,3.76,2.9,96,-7,61,62,false,Rebalance,Shift +1% to bonds from equity,34,-24,BrokerC,MKT,96,None,None,Normal monitoring,-25,-19,22,5,false,Monitor dispersion and breadth
P0036,Hands-off,Trust,USD,2025-12-09,458104,20705,437399,1.0,70.0,20.5,1.1,8.4,AMZN:12.2%;XLF:13.1%;AAPL:23.2%;BND:23.2%;QQQ:12.9%;HYG:15.4%,US:65.6;EU:12.3;APAC:11.0;EM:7.9;Other:3.2,Value:+0.3;Growth:+0.7;Quality:+0.5;Size:0.0;Momentum:+0.1;LowVol:-0.6,ESGOnly;MaxPos8%,8,35,4.1,trailing 8%,127,18.9,Bull,12.7,4.18,2.7,74,32,66,56,false,Rebalance,Shift +1% to bonds from equity,28,-14,BrokerC,MKT,95,None,None,Normal monitoring,-50,-34,88,5,false,Monitor dispersion and breadth
P0037,Active,Trust,USD,2025-05-21,680499,72797,607702,1.0,58.0,29.8,4.9,7.3,VOO:29.0%;IEF:27.7%;GLD:14.3%;XLF:29.0%,US:69.9;EU:6.3;APAC:17.5;EM:4.2;Other:2.2,Value:+0.6;Growth:+0.8;Quality:-0.1;Size:+0.1;Momentum:+0.2;LowVol:+0.2,,8,30,5.8,trailing 9%,194,17.4,Sideways,19.5,3.68,3.2,120,-2,45,53,false,Rebalance,Shift +1% to bonds from equity,-6,-12,BrokerD,MKT,94,None,None,Normal monitoring,15,-47,1,4,false,Tighten stops on momentum names
P0038,Active,Taxable,USD,2024-09-11,582227,66799,515428,1.0,50.3,19.4,21.1,9.2,AAPL:25.2%;XLF:25.2%;VNQ:24.5%;BRK.B:25.2%,US:69.2;EU:12.5;APAC:5.4;EM:10.0;Other:3.0,Value:-0.6;Growth:+0.1;Quality:+0.9;Size:-0.8;Momentum:+0.4;LowVol:+0.6,MaxPos6%;NoDerivatives,5,30,4.0,hard 12%,182,24.9,Volatile,25.1,5.35,3.5,143,19,54,64,false,Rebalance,Shift +1% to bonds from equity,-5,-10,BrokerD,MKT,89,None,None,Normal monitoring,42,-34,143,4,false,Within IPS guidelines
P0039,Cautious,Trust,USD,2024-08-26,260397,28141,232256,1.0,52.0,34.7,0.6,12.7,TLT:8.9%;XLF:18.6%;IEF:11.1%;HYG:21.0%;AMZN:21.0%;BRK.B:19.4%,US:63.9;EU:16.1;APAC:11.2;EM:5.7;Other:3.0,Value:-0.1;Growth:+0.8;Quality:-0.2;Size:-0.9;Momentum:0.0;LowVol:+0.4,ESGOnly;MaxPos7%;NoMargin,5,25,5.9,trailing 8%,154,14.1,Bull,12.9,4.87,2.3,84,112,95,40,false,Buy,Add to core equity +1%,22,-16,BrokerA,MKT,98,None,None,Normal monitoring,27,-45,134,3,false,Monitor dispersion and breadth
P0040,Active,Trust,USD,2025-01-06,1831165,119483,1711682,1.24,62.3,28.7,0.0,9.0,QQQ:22.9%;XLF:14.2%;BND:22.9%;BRK.B:22.9%;HYG:17.2%,US:75.1;EU:13.5;APAC:6.0;EM:4.5;Other:0.9,Value:-0.5;Growth:+0.2;Quality:-0.5;Size:-0.3;Momentum:-0.1;LowVol:+0.7,NoDerivatives,7,30,5.5,trailing 9%,200,21.5,Volatile,30.2,4.65,2.8,134,26,57,81,true,Rebalance,Rebalance back to target bands,10,-37,BrokerB,VWAP,86,RegimeShift,Reduce,Volatility spike and breadth deterioration,-53,4,-86,5,false,Tax-aware sells next window
P0041,Hands-off,Trust,USD,2025-06-17,324408,32299,292109,1.0,55.0,26.3,13.6,5.2,AAPL:17.1%;QQQ:15.9%;VOO:24.4%;HYG:24.4%;IEF:18.3%,US:67.9;EU:13.7;APAC:11.3;EM:5.6;Other:1.5,Value:-1.0;Growth:+0.3;Quality:+0.6;Size:+0.9;Momentum:+0.6;LowVol:-0.2,ESGOnly;MaxPos5%;NoDerivatives,7,25,5.5,trailing 8%,139,19.2,Bull,16.4,3.78,3.2,118,76,96,38,false,Buy,Add to core equity +1%,35,-20,BrokerC,LMT,97,None,None,Normal monitoring,76,-58,214,5,false,Within IPS guidelines
P0042,Systematic,IRA,USD,2025-01-14,472924,21433,451491,1.0,65.4,27.5,0.0,7.2,GLD:13.2%;HYG:22.5%;IEF:11.7%;TLT:17.9%;AAPL:22.5%;VOO:12.2%,US:63.5;EU:18.8;APAC:8.7;EM:4.3;Other:4.6,Value:-0.2;Growth:-0.3;Quality:-0.1;Size:-1.0;Momentum:+0.8;LowVol:-0.6,NoDerivatives,7,25,5.5,trailing 8%,149,18.9,Sideways,18.4,3.56,3.3,124,-26,49,56,false,Hedge,Add TLT +1% as duration hedge,25,-4,BrokerA,MKT,87,None,None,Normal monitoring,-41,-54,-35,4,false,Tax-aware sells next window
P0043,Active,Taxable,USD,2025-07-19,504039,36940,467099,1.0,55.4,20.4,17.8,6.4,XLF:20.1%;IEF:20.5%;BND:12.2%;BRK.B:18.4%;VTI:20.9%;MSFT:7.9%,US:65.0;EU:18.4;APAC:12.8;EM:3.3;Other:0.5,Value:+0.2;Growth:-0.7;Quality:+0.4;Size:+0.6;Momentum:+0.2;LowVol:+0.6,NoDerivatives,5,25,5.6,hard 12%,217,16.8,Volatile,23.3,3.97,3.7,149,-21,30,62,false,Buy,Add to core equity +1%,28,-17,BrokerA,LMT,97,None,None,Normal monitoring,96,-32,69,5,false,Increase defensive factor exposure
P0044,Hands-off,Trust,USD,2024-07-24,601954,24190,577764,1.0,56.5,29.4,6.0,8.1,VOO:21.2%;HYG:26.3%;GLD:26.3%;MUB:26.3%,US:70.0;EU:7.1;APAC:12.1;EM:7.6;Other:3.1,Value:-0.1;Growth:-0.3;Quality:+0.2;Size:-0.6;Momentum:-0.0;LowVol:+0.3,MaxPos5%,5,35,4.1,hard 10%,94,17.8,Bull,13.3,4.56,2.1,107,58,79,49,false,NoAction,Within bands; monitor,-11,-2,BrokerA,LMT,98,None,None,Normal monitoring,-26,-15,74,3,false,Tax-aware sells next window
P0045,Hands-off,IRA,USD,2025-08-13,213487,15137,198350,1.0,66.0,27.3,0.0,6.7,XLF:18.1%;VOO:23.0%;TLT:23.0%;MUB:23.0%;GLD:13.0%,US:62.8;EU:23.0;APAC:6.9;EM:5.6;Other:1.7,Value:+0.8;Growth:-0.5;Quality:-0.9;Size:+0.3;Momentum:+0.2;LowVol:-0.5,ESGOnly,8,25,4.7,trailing 8%,126,14.3,Volatile,21.0,4.17,3.0,137,-20,30,62,false,NoAction,Within bands; monitor,7,-18,BrokerD,LMT,95,None,None,Normal monitoring,-25,-42,63,3,false,Tighten stops on momentum names
P0046,Cautious,IRA,USD,2024-09-14,318067,37061,281006,1.0,40.8,39.5,8.3,11.4,TLT:33.3%;HYG:33.3%;MSFT:33.3%,US:60.4;EU:19.6;APAC:7.1;EM:11.2;Other:1.6,Value:+0.3;Growth:+0.9;Quality:+0.8;Size:-0.5;Momentum:-0.9;LowVol:+0.9,NoMargin,10,30,5.7,trailing 8%,133,16.8,Bear,23.0,4.11,2.1,170,-94,15,47,false,Rebalance,Shift +1% to bonds from equity,23,7,BrokerB,VWAP,92,None,None,Normal monitoring,25,-10,130,4,false,Monitor dispersion and breadth
P0047,Hands-off,Roth,USD,2025-03-02,170934,14663,156271,1.0,57.5,26.7,9.9,5.9,VOO:36.5%;BND:36.5%;HYG:27.1%,US:63.7;EU:8.3;APAC:16.8;EM:5.6;Other:5.7,Value:-0.3;Growth:0.0;Quality:+0.1;Size:-0.2;Momentum:+0.9;LowVol:-0.5,ESGOnly,6,35,4.4,trailing 8%,153,15.3,Sideways,18.5,3.51,2.3,103,-15,55,45,false,Buy,Add to core equity +1%,16,-1,BrokerB,MKT,92,None,None,Normal monitoring,-17,-1,-42,5,false,Within IPS guidelines
P0048,Opportunistic,Taxable,USD,2024-10-15,552697,49620,503077,1.0,69.1,20.5,6.1,4.3,TSLA:33.3%;MSFT:33.3%;BND:33.3%,US:62.6;EU:11.7;APAC:15.7;EM:5.3;Other:4.8,Value:-0.5;Growth:+0.8;Quality:-0.4;Size:-0.8;Momentum:+0.8;LowVol:+0.6,,8,25,5.7,trailing 9%,175,29.6,Volatile,30.4,4.71,2.8,159,33,79,82,true,Hedge,Buy index puts 1% notional,-14,-2,BrokerB,MKT,98,Drift>tolerance,Reduce,Allocation drift beyond policy bands,115,-5,243,2,false,Increase defensive factor exposure
P0049,Hands-off,Roth,USD,2024-10-31,250056,23344,226712,1.0,65.7,20.6,5.8,7.9,XLF:20.2%;IEF:26.6%;BND:26.6%;AMZN:26.6%,US:70.3;EU:7.1;APAC:16.0;EM:5.3;Other:1.3,Value:+0.4;Growth:-0.3;Quality:+1.0;Size:+0.3;Momentum:-0.7;LowVol:-0.9,ESGOnly;MaxPos7%,7,25,4.0,hard 10%,103,17.3,Volatile,24.7,4.01,3.2,128,-41,41,74,true,Reduce,"Cut high-beta by 2-3%, add cash",32,-19,BrokerB,MKT,91,Drift>tolerance,Reduce,Allocation drift beyond policy bands,53,20,71,4,false,Within IPS guidelines
P0050,Active,IRA,USD,2025-04-06,1604053,144619,1459434,1.0,65.9,19.3,5.4,9.4,VOO:25.9%;QQQ:25.9%;TLT:22.3%;VNQ:25.9%,US:71.3;EU:8.3;APAC:9.3;EM:10.0;Other:1.1,Value:-0.1;Growth:+0.7;Quality:-0.9;Size:-0.6;Momentum:-0.8;LowVol:-0.4,NoDerivatives,10,35,4.5,hard 12%,179,26.7,Volatile,31.0,5.21,3.3,157,26,50,88,true,Reduce,"Cut high-beta by 2-3%, add cash",-2,9,BrokerB,LMT,88,VAR>budget,Reduce,Risk above budget threshold,1,-18,-39,3,false,Within IPS guidelines
P0051,Hands-off,IRA,USD,2024-10-25,628861,45691,583170,1.0,67.4,25.4,0.0,7.2,VNQ:25.3%;BRK.B:25.3%;TSLA:25.3%;QQQ:24.0%,US:67.4;EU:12.3;APAC:6.3;EM:9.9;Other:4.1,Value:-0.3;Growth:+0.1;Quality:+0.1;Size:-0.2;Momentum:+0.9;LowVol:+0.3,NoDerivatives,10,35,4.8,trailing 10%,111,20.0,Bull,13.2,4.71,3.1,85,7,58,40,false,NoAction,Within bands; monitor,-8,-4,BrokerC,LMT,90,None,None,Normal monitoring,-24,-26,94,3,false,Increase defensive factor exposure
P0052,Opportunistic,Roth,USD,2025-01-05,1795430,81768,1713662,1.24,70.4,13.5,11.1,5.0,VOO:33.3%;BRK.B:33.3%;IEF:33.3%,US:70.8;EU:9.1;APAC:12.6;EM:7.3;Other:0.2,Value:-0.3;Growth:-0.4;Quality:-0.6;Size:+0.4;Momentum:+0.8;LowVol:-0.6,MaxPos8%,8,35,5.3,hard 12%,211,21.5,Bull,16.6,4.87,2.1,75,104,100,54,false,Buy,Add to core equity +1%,-2,15,BrokerD,MKT,86,None,None,Normal monitoring,33,13,92,3,false,Monitor dispersion and breadth
P0053,Opportunistic,Roth,USD,2024-09-04,304465,16858,287607,1.0,76.6,16.3,2.4,4.7,TSLA:10.5%;AMZN:22.4%;XLF:22.4%;VTI:22.4%;BND:22.4%,US:61.6;EU:17.1;APAC:7.2;EM:10.6;Other:3.5,Value:-0.4;Growth:-0.9;Quality:+0.7;Size:+0.4;Momentum:-0.7;LowVol:-0.3,,6,35,4.6,hard 12%,167,24.1,Sideways,19.0,3.92,2.4,97,-28,22,71,false,Buy,Add to core equity +1%,9,-11,BrokerB,LMT,97,None,None,Normal monitoring,32,8,159,3,false,Increase defensive factor exposure
P0054,Cautious,Trust,USD,2025-12-25,169937,19815,150122,1.0,39.5,36.3,12.9,11.4,VNQ:22.0%;GLD:22.0%;XLF:22.0%;VOO:10.7%;MSFT:7.7%;HYG:15.6%,US:67.4;EU:6.3;APAC:14.7;EM:8.4;Other:3.3,Value:+0.6;Growth:+0.5;Quality:+0.2;Size:+0.2;Momentum:-0.1;LowVol:-0.0,ESGOnly;NoDerivatives;NoMargin,7,35,3.8,hard 10%,90,17.2,Bear,33.0,3.63,2.2,182,-119,5,60,false,Rebalance,Shift +1% to bonds from equity,26,-5,BrokerD,LMT,86,None,None,Normal monitoring,-52,-46,-87,5,false,Monitor dispersion and breadth
P0055,Cautious,Trust,USD,2025-07-03,471306,54346,416960,1.0,37.2,34.4,16.4,12.0,VTI:24.4%;IEF:25.2%;HYG:25.2%;VOO:25.2%,US:73.9;EU:11.6;APAC:6.4;EM:3.6;Other:4.6,Value:+0.6;Growth:-0.4;Quality:+0.6;Size:-0.1;Momentum:-0.2;LowVol:-0.4,MaxPos8%;NoMargin,7,30,4.1,trailing 10%,125,13.7,Bear,29.3,3.75,2.1,172,24,66,52,false,Rebalance,Shift +1% to bonds from equity,3,-33,BrokerD,VWAP,92,None,None,Normal monitoring,15,-29,-21,3,false,Within IPS guidelines
P0056,Opportunistic,Trust,USD,2025-07-25,320070,12447,307623,1.0,71.8,16.0,3.3,8.9,VNQ:34.2%;AAPL:34.2%;VOO:31.7%,US:56.9;EU:18.2;APAC:13.3;EM:11.2;Other:0.4,Value:+0.4;Growth:+0.4;Quality:+0.4;Size:+0.5;Momentum:+0.2;LowVol:+0.7,MaxPos8%,8,35,6.2,trailing 9%,198,30.7,Bull,12.9,4.36,3.4,97,77,93,56,false,Rebalance,Shift +1% to bonds from equity,2,-5,BrokerC,MKT,91,None,None,Normal monitoring,-40,-17,9,3,false,Tighten stops on momentum names
P0057,Cautious,IRA,USD,2025-02-08,402214,38973,363241,1.0,46.9,39.2,0.0,14.0,IEF:33.3%;BRK.B:33.3%;HYG:33.3%,US:71.2;EU:12.3;APAC:7.3;EM:6.7;Other:2.5,Value:-0.3;Growth:+0.7;Quality:+0.9;Size:-0.1;Momentum:-0.7;LowVol:-0.2,NoMargin,7,35,3.7,trailing 8%,167,18.7,Bull,13.2,4.04,2.6,80,9,47,33,false,Rebalance,Shift +1% to bonds from equity,-15,9,BrokerB,MKT,98,None,None,Normal monitoring,53,4,56,3,false,Monitor dispersion and breadth
P0058,Hands-off,Trust,USD,2024-12-01,164333,14320,150013,1.0,56.2,21.4,17.3,5.2,XLF:23.0%;GLD:8.8%;AAPL:22.2%;BND:23.0%;BRK.B:23.0%,US:65.8;EU:22.6;APAC:6.5;EM:3.7;Other:1.3,Value:+0.2;Growth:-0.4;Quality:-0.7;Size:+0.5;Momentum:+0.8;LowVol:-0.4,MaxPos6%,6,30,5.1,hard 10%,161,17.8,Sideways,18.5,4.33,2.8,98,-16,43,51,false,Buy,Add to core equity +1%,27,14,BrokerB,MKT,95,None,None,Normal monitoring,116,-3,106,4,false,Tighten stops on momentum names
P0059,Hands-off,Taxable,USD,2025-01-12,868121,75222,792899,1.0,74.3,17.8,0.7,7.2,BRK.B:33.3%;TLT:33.3%;MSFT:33.3%,US:70.7;EU:9.5;APAC:6.6;EM:12.0;Other:1.2,Value:0.0;Growth:0.0;Quality:+0.1;Size:-0.7;Momentum:-0.9;LowVol:-0.6,ESGOnly;NoDerivatives,10,25,4.3,trailing 10%,146,12.7,Bull,13.1,3.53,2.2,107,111,100,57,false,Hedge,Add TLT +1% as duration hedge,-12,10,BrokerA,MKT,98,None,None,Normal monitoring,26,6,135,5,false,Increase defensive factor exposure
P0060,Hands-off,Taxable,USD,2025-01-13,242431,15128,227303,1.0,69.7,24.4,0.0,5.9,BND:17.0%;BRK.B:24.1%;GLD:24.1%;AMZN:24.1%;HYG:10.7%,US:72.8;EU:7.3;APAC:5.8;EM:12.0;Other:2.0,Value:-0.3;Growth:+0.4;Quality:-0.4;Size:+0.7;Momentum:+0.5;LowVol:-0.5,NoDerivatives,10,30,5.6,trailing 10%,121,18.9,Volatile,29.9,5.28,3.4,114,12,45,78,true,Hedge,Buy index puts 1% notional,22,-26,BrokerB,MKT,99,VAR>budget,Hedge,Risk above budget threshold,64,15,47,4,false,Tax-aware sells next window
P0061,Cautious,401k,USD,2024-09-29,564719,45261,519458,1.0,53.0,30.6,0.0,16.5,IEF:25.8%;VOO:25.8%;XLF:25.8%;TSLA:22.6%,US:66.5;EU:6.2;APAC:16.7;EM:10.1;Other:0.5,Value:+0.5;Growth:-0.2;Quality:-0.2;Size:+0.3;Momentum:+0.8;LowVol:+0.1,NoDerivatives;NoMargin,7,30,4.3,trailing 8%,150,15.8,Sideways,18.3,4.06,3.4,97,21,57,53,false,Buy,Add to core equity +1%,0,-15,BrokerA,MKT,96,None,None,Normal monitoring,68,-7,110,4,false,Tax-aware sells next window
P0062,Hands-off,IRA,USD,2025-06-25,523537,25030,498507,1.0,74.7,19.1,0.9,5.3,AAPL:33.3%;IEF:33.3%;GLD:33.3%,US:67.3;EU:6.9;APAC:7.5;EM:14.2;Other:4.1,Value:-0.6;Growth:+0.5;Quality:-1.0;Size:0.0;Momentum:+0.6;LowVol:-0.0,ESGOnly;NoDerivatives,6,30,3.9,trailing 8%,90,17.8,Bull,11.1,4.69,2.7,89,86,81,51,false,Sell,Trim extended winner -1%,4,2,BrokerD,LMT,87,None,None,Normal monitoring,61,-14,190,3,false,Tighten stops on momentum names
P0063,Active,401k,USD,2025-05-19,1989508,143489,1846019,1.0,63.6,27.6,1.6,7.2,QQQ:17.9%;BND:18.7%;MSFT:20.6%;XLF:18.0%;AMZN:11.1%;VTI:13.7%,US:66.8;EU:11.6;APAC:13.7;EM:6.2;Other:1.7,Value:0.0;Growth:-0.8;Quality:-1.0;Size:+0.1;Momentum:-0.3;LowVol:-0.2,NoDerivatives,8,35,4.9,trailing 8%,178,22.7,Sideways,20.2,4.41,3.5,110,5,53,61,false,Rebalance,Shift +1% to bonds from equity,-10,13,BrokerC,MKT,98,None,None,Normal monitoring,72,-42,71,5,false,Within IPS guidelines
P0064,Systematic,Trust,USD,2025-07-22,1892711,138074,1754637,1.0,56.3,24.9,11.8,7.0,VTI:21.8%;TSLA:16.3%;BRK.B:18.2%;MUB:15.7%;VOO:9.1%;HYG:19.0%,US:63.6;EU:13.8;APAC:10.5;EM:7.5;Other:4.5,Value:-0.8;Growth:-0.6;Quality:+0.4;Size:-0.4;Momentum:-0.3;LowVol:-0.6,MaxPos7%;NoDerivatives,6,35,5.0,trailing 8%,229,18.6,Bull,12.0,4.72,3.0,81,76,74,42,false,Rebalance,Shift +1% to bonds from equity,-15,11,BrokerC,VWAP,91,None,None,Normal monitoring,-21,-1,-13,4,false,Tighten stops on momentum names
P0065,Active,Roth,USD,2024-10-12,1807479,211572,1595907,1.0,63.7,30.1,0.0,6.2,VTI:20.0%;XLF:26.7%;MUB:26.7%;IEF:26.7%,US:70.9;EU:13.0;APAC:8.1;EM:4.7;Other:3.3,Value:-0.9;Growth:+0.3;Quality:+0.6;Size:-0.0;Momentum:-0.6;LowVol:-0.7,NoDerivatives,6,25,4.8,hard 12%,130,20.0,Volatile,21.0,3.79,4.2,147,-13,37,58,false,Sell,Trim extended winner -1%,-13,-20,BrokerC,LMT,85,None,None,Normal monitoring,77,-56,210,5,false,Increase defensive factor exposure
P0066,Hands-off,Taxable,USD,2024-08-26,701942,67783,634159,1.0,67.1,26.7,0.0,6.2,GLD:15.4%;AMZN:7.5%;IEF:17.6%;BRK.B:22.5%;BND:14.5%;HYG:22.5%,US:67.0;EU:18.7;APAC:4.8;EM:4.8;Other:4.7,Value:-0.9;Growth:-0.3;Quality:+0.6;Size:+0.4;Momentum:-0.5;LowVol:-0.3,ESGOnly,5,30,5.0,trailing 8%,140,17.3,Bull,14.6,3.76,2.9,91,63,93,54,false,Rebalance,Shift +1% to bonds from equity,-10,2,BrokerD,MKT,95,None,None,Normal monitoring,-32,12,53,4,false,Increase defensive factor exposure
P0067,Hands-off,Taxable,USD,2025-05-24,467538,19189,448349,1.0,67.0,19.4,8.1,5.6,VTI:26.3%;BRK.B:17.2%;AAPL:14.7%;BND:15.5%;VOO:26.3%,US:62.7;EU:16.5;APAC:12.0;EM:7.4;Other:1.5,Value:+0.2;Growth:-0.1;Quality:-0.2;Size:-0.5;Momentum:-0.3;LowVol:-0.1,MaxPos8%,8,30,3.9,trailing 8%,92,17.8,Bull,14.1,4.46,3.1,82,67,92,56,false,Buy,Add to core equity +1%,20,-40,BrokerB,LMT,97,None,None,Normal monitoring,13,-1,135,4,false,Increase defensive factor exposure
P0068,Active,Roth,USD,2024-11-24,1646097,157775,1488322,1.07,57.8,31.7,3.9,6.6,TLT:33.3%;HYG:33.3%;GLD:33.3%,US:60.7;EU:13.7;APAC:11.8;EM:10.6;Other:3.3,Value:-0.4;Growth:-0.1;Quality:+0.5;Size:+0.1;Momentum:-0.5;LowVol:+0.6,,10,35,5.9,trailing 8%,126,20.3,Volatile,27.1,4.6,3.8,175,10,47,60,true,Reduce,"Cut high-beta by 2-3%, add cash",31,9,BrokerC,MKT,89,VAR>budget,Hedge,Risk above budget threshold,21,-20,139,4,false,Within IPS guidelines
P0069,Systematic,Taxable,USD,2025-10-31,997261,40616,956645,1.0,60.1,21.0,11.5,7.4,MSFT:20.3%;TSLA:21.9%;IEF:21.9%;AAPL:21.9%;BRK.B:13.9%,US:64.4;EU:10.7;APAC:11.8;EM:8.6;Other:4.4,Value:+0.8;Growth:-0.2;Quality:+0.4;Size:+0.9;Momentum:+0.1;LowVol:+0.1,MaxPos5%,7,25,4.8,trailing 8%,171,26.6,Sideways,20.2,4.15,2.5,127,20,74,47,false,Rebalance,Shift +1% to bonds from equity,-1,-29,BrokerC,MKT,95,None,None,Normal monitoring,83,-50,115,3,false,Tax-aware sells next window
P0070,Active,IRA,USD,2025-06-10,1157299,71767,1085532,1.0,61.8,28.4,0.0,9.7,TSLA:33.7%;XLF:33.7%;QQQ:32.6%,US:62.8;EU:7.3;APAC:15.1;EM:11.6;Other:3.2,Value:-0.5;Growth:+0.3;Quality:-0.1;Size:+0.8;Momentum:-0.2;LowVol:-0.4,MaxPos8%,7,35,5.0,trailing 9%,124,23.9,Volatile,30.8,5.02,3.6,179,57,69,70,false,Sell,Trim extended winner -1%,20,-15,BrokerA,MKT,99,None,None,Normal monitoring,34,17,2,4,false,Monitor dispersion and breadth
P0071,Hands-off,IRA,USD,2025-06-07,428987,25897,403090,1.0,63.7,29.4,0.2,6.6,MSFT:16.9%;GLD:20.7%;IEF:11.6%;BND:17.4%;AMZN:12.7%;QQQ:20.7%,US:70.1;EU:6.9;APAC:8.2;EM:11.2;Other:3.5,Value:0.0;Growth:+0.3;Quality:-0.7;Size:+0.6;Momentum:0.0;LowVol:-0.3,,5,25,5.8,trailing 10%,132,14.0,Volatile,31.2,4.95,2.1,172,71,88,70,false,Hedge,Add TLT +1% as duration hedge,16,-16,BrokerB,LMT,87,None,None,Normal monitoring,-48,-28,82,5,false,Within IPS guidelines
P0072,Cautious,Roth,USD,2024-09-29,863210,95763,767447,1.0,50.4,30.1,2.8,16.7,BRK.B:15.0%;VNQ:6.6%;AMZN:13.0%;AAPL:21.8%;MUB:21.8%;XLF:21.8%,US:59.5;EU:20.3;APAC:10.6;EM:7.0;Other:2.6,Value:-0.8;Growth:+0.5;Quality:+0.9;Size:+1.0;Momentum:-0.3;LowVol:-0.3,ESGOnly;NoDerivatives;NoMargin,7,35,4.7,hard 10%,98,17.2,Sideways,15.8,4.93,3.4,115,0,37,36,false,Sell,Trim extended winner -1%,22,-11,BrokerA,LMT,93,None,None,Normal monitoring,-27,9,52,4,false,Within IPS guidelines
P0073,Systematic,401k,USD,2025-10-24,625028,34256,590772,1.0,68.9,22.3,0.0,8.8,AMZN:25.8%;TSLA:27.2%;IEF:19.7%;XLF:27.2%,US:61.0;EU:10.6;APAC:17.4;EM:6.5;Other:4.5,Value:+0.9;Growth:+1.0;Quality:-0.1;Size:-0.6;Momentum:-0.8;LowVol:+0.9,MaxPos7%,6,35,4.1,hard 12%,138,17.6,Volatile,29.5,5.01,4.1,130,-51,33,85,true,Hedge,Buy index puts 1% notional,25,-2,BrokerA,VWAP,100,Drift>tolerance,Hedge,Allocation drift beyond policy bands,55,-25,137,2,false,Within IPS guidelines
P0074,Systematic,401k,USD,2025-10-16,740422,54068,686354,1.0,56.3,22.3,16.4,5.1,VTI:33.3%;IEF:33.3%;VOO:33.3%,US:71.8;EU:9.8;APAC:7.5;EM:10.0;Other:0.9,Value:+0.4;Growth:-0.9;Quality:+0.4;Size:-0.0;Momentum:-0.9;LowVol:-0.9,MaxPos5%,8,35,4.1,trailing 8%,131,16.7,Bull,16.2,3.59,2.9,78,87,90,53,false,Rebalance,Shift +1% to bonds from equity,-2,-4,BrokerB,VWAP,90,None,None,Normal monitoring,18,-40,116,4,false,Tax-aware sells next window
P0075,Hands-off,Roth,USD,2025-01-03,730908,71093,659815,1.0,70.0,23.5,0.0,6.5,XLF:17.7%;VNQ:28.6%;BND:25.1%;MUB:28.6%,US:60.6;EU:12.6;APAC:13.0;EM:8.7;Other:5.1,Value:-0.5;Growth:-1.0;Quality:+0.5;Size:-0.3;Momentum:-0.6;LowVol:-0.8,MaxPos6%,7,25,3.8,hard 10%,94,18.6,Volatile,21.1,3.73,2.2,143,41,55,69,false,Sell,Trim extended winner -1%,22,2,BrokerC,LMT,89,None,None,Normal monitoring,-7,-32,39,5,false,Within IPS guidelines
P0076,Opportunistic,401k,USD,2025-08-29,1466736,69922,1396814,1.0,69.0,15.4,6.6,8.9,TLT:27.1%;IEF:27.1%;VOO:18.8%;XLF:27.1%,US:74.7;EU:6.2;APAC:11.3;EM:4.9;Other:2.9,Value:-0.9;Growth:+0.8;Quality:+0.9;Size:-0.2;Momentum:-0.8;LowVol:-0.7,,5,25,4.7,trailing 7%,267,31.3,Bear,24.4,3.89,1.9,141,-15,31,60,true,Hedge,Buy index puts 1% notional,-12,-38,BrokerB,MKT,98,RegimeShift,TightenStops,Volatility spike and breadth deterioration,52,17,42,2,false,Tax-aware sells next window
P0077,Cautious,IRA,USD,2025-04-28,482623,74555,408068,1.0,38.7,43.1,1.1,17.1,AAPL:19.6%;TSLA:19.4%;GLD:21.6%;QQQ:21.6%;AMZN:17.8%,US:63.7;EU:14.2;APAC:16.4;EM:5.6;Other:0.1,Value:+0.8;Growth:+0.6;Quality:-0.3;Size:+0.1;Momentum:+0.2;LowVol:-0.6,ESGOnly;MaxPos7%;NoDerivatives;NoMargin,10,25,4.0,trailing 10%,151,19.0,Volatile,25.3,4.42,2.4,121,-12,52,49,true,Hedge,Buy index puts 1% notional,18,-2,BrokerD,LMT,100,Drift>tolerance,Hedge,Allocation drift beyond policy bands,39,-4,59,5,false,Monitor dispersion and breadth
P0078,Cautious,Taxable,USD,2025-06-09,833586,118853,714733,1.0,46.1,38.9,0.0,15.0,AAPL:33.3%;XLF:33.3%;HYG:33.3%,US:58.9;EU:20.9;APAC:11.6;EM:6.8;Other:1.9,Value:-0.5;Growth:-0.5;Quality:+0.6;Size:-0.4;Momentum:+1.0;LowVol:+0.7,ESGOnly;NoDerivatives;NoMargin,5,30,3.4,trailing 8%,170,12.1,Bull,13.2,3.52,3.4,84,9,69,31,false,Sell,Trim extended winner -1%,-12,4,BrokerA,MKT,91,None,None,Normal monitoring,108,-56,126,5,false,Increase defensive factor exposure
P0079,Systematic,Roth,USD,2025-12-13,538304,53014,485290,1.0,57.2,22.5,14.8,5.5,VNQ:17.6%;MSFT:21.0%;QQQ:9.7%;IEF:22.0%;VTI:7.6%;VOO:22.0%,US:66.9;EU:8.4;APAC:13.1;EM:10.2;Other:1.3,Value:-0.4;Growth:+0.4;Quality:-0.9;Size:-0.3;Momentum:+0.5;LowVol:-0.4,MaxPos8%,7,30,4.4,hard 12%,164,24.7,Volatile,25.8,4.88,4.5,150,62,88,68,false,Rebalance,Shift +1% to bonds from equity,1,-24,BrokerA,MKT,99,None,None,Normal monitoring,-15,-19,86,4,false,Tax-aware sells next window
P0080,Cautious,Roth,USD,2025-10-13,209336,22286,187050,1.0,49.6,34.0,0.1,16.3,AMZN:19.7%;TLT:26.8%;QQQ:26.8%;IEF:26.8%,US:68.7;EU:11.5;APAC:11.2;EM:4.7;Other:3.9,Value:+0.1;Growth:0.0;Quality:+0.1;Size:0.0;Momentum:-0.8;LowVol:0.0,NoMargin,10,25,4.0,hard 10%,161,16.0,Volatile,28.9,5.29,4.3,114,36,58,58,false,Hedge,Add TLT +1% as duration hedge,10,-6,BrokerA,MKT,98,None,None,Normal monitoring,-7,15,79,3,false,Tax-aware sells next window
P0081,Active,Taxable,USD,2025-12-26,845695,74815,770880,1.0,65.5,26.9,0.0,7.6,BRK.B:17.7%;QQQ:23.0%;IEF:20.4%;GLD:15.8%;AMZN:23.0%,US:64.2;EU:16.3;APAC:9.1;EM:7.8;Other:2.6,Value:-0.3;Growth:+0.1;Quality:-0.1;Size:+0.4;Momentum:-1.0;LowVol:+0.8,MaxPos5%;NoDerivatives,7,35,5.2,trailing 9%,226,19.8,Bear,31.0,3.1,2.2,192,-35,25,81,true,Hedge,Buy index puts 1% notional,31,-32,BrokerD,LMT,95,VAR>budget,Pause,Risk above budget threshold,84,5,50,3,false,Tax-aware sells next window
P0082,Active,401k,USD,2024-11-15,645364,51342,594022,1.0,65.0,25.6,4.0,5.5,QQQ:22.9%;GLD:22.9%;BND:22.9%;HYG:8.7%;MUB:22.7%,US:60.0;EU:10.0;APAC:13.5;EM:11.2;Other:5.4,Value:+0.2;Growth:-1.0;Quality:-0.2;Size:+0.7;Momentum:+0.5;LowVol:-0.7,,10,30,5.7,trailing 9%,216,23.1,Bull,16.1,4.39,2.7,116,52,77,55,false,Sell,Trim extended winner -1%,27,-23,BrokerD,MKT,99,None,None,Normal monitoring,17,-2,146,4,false,Tighten stops on momentum names
P0083,Opportunistic,Roth,USD,2025-07-20,614859,26204,588655,1.0,65.4,10.7,18.7,5.2,IEF:27.2%;TSLA:27.2%;MSFT:27.2%;AAPL:18.4%,US:55.6;EU:14.4;APAC:12.1;EM:12.7;Other:5.2,Value:+0.6;Growth:-0.1;Quality:-0.1;Size:-0.1;Momentum:+0.2;LowVol:-0.9,NoDerivatives,7,25,5.2,hard 12%,170,23.2,Volatile,25.8,4.62,2.9,168,78,99,79,true,Reduce,"Cut high-beta by 2-3%, add cash",28,-33,BrokerB,MKT,89,Drift>tolerance,Reduce,Allocation drift beyond policy bands,39,-34,145,2,false,Tax-aware sells next window
P0084,Opportunistic,401k,USD,2025-11-06,421092,17592,403500,1.11,63.5,20.5,10.7,5.3,MSFT:33.3%;TSLA:33.3%;VTI:33.3%,US:62.0;EU:10.5;APAC:12.5;EM:10.4;Other:4.5,Value:+0.2;Growth:+0.4;Quality:-0.9;Size:+0.5;Momentum:+0.1;LowVol:-0.5,,6,35,4.5,trailing 7%,256,28.9,Bull,11.8,4.14,2.9,88,15,56,48,false,Rebalance,Shift +1% to bonds from equity,27,-15,BrokerA,MKT,89,None,None,Normal monitoring,-17,-12,-40,5,false,Monitor dispersion and breadth
P0085,Active,401k,USD,2024-09-02,1721849,129684,1592165,1.16,64.6,20.6,8.5,6.3,BRK.B:33.3%;AMZN:33.3%;VNQ:33.3%,US:70.6;EU:10.6;APAC:8.4;EM:5.1;Other:5.2,Value:-0.9;Growth:-0.5;Quality:-0.8;Size:-0.3;Momentum:0.0;LowVol:-0.7,MaxPos8%,10,35,4.9,trailing 8%,187,28.0,Sideways,21.2,4.26,2.5,93,-29,35,70,false,Sell,Trim extended winner -1%,12,-31,BrokerB,LMT,96,None,None,Normal monitoring,-36,-51,-10,5,false,Increase defensive factor exposure
P0086,Systematic,Trust,USD,2025-03-04,1588414,85029,1503385,1.0,56.1,27.2,10.7,6.0,BRK.B:16.4%;IEF:11.2%;XLF:21.7%;MUB:21.7%;VOO:7.3%;TSLA:21.6%,US:66.9;EU:13.2;APAC:8.6;EM:7.5;Other:3.8,Value:-0.3;Growth:0.0;Quality:-0.4;Size:-0.2;Momentum:-0.3;LowVol:+0.8,NoDerivatives,6,25,5.5,trailing 8%,216,27.6,Volatile,20.3,5.37,2.0,178,-51,36,46,true,Hedge,Buy index puts 1% notional,2,14,BrokerC,LMT,94,VAR>budget,Reduce,Risk above budget threshold,50,10,139,4,false,Within IPS guidelines
P0087,Cautious,Taxable,USD,2025-01-16,854122,89674,764448,1.0,42.5,35.9,11.3,10.2,XLF:24.0%;GLD:24.0%;BND:12.9%;VOO:24.0%;QQQ:15.0%,US:60.4;EU:12.6;APAC:15.9;EM:10.6;Other:0.4,Value:-0.2;Growth:+0.1;Quality:+0.3;Size:+0.9;Momentum:-0.2;LowVol:+0.3,ESGOnly;NoMargin,6,35,4.1,trailing 8%,152,17.2,Bear,32.5,4.19,2.1,184,-52,33,80,true,Reduce,"Cut high-beta by 2-3%, add cash",27,7,BrokerD,LMT,92,Drift>tolerance,Hedge,Allocation drift beyond policy bands,46,-26,94,2,false,Within IPS guidelines
P0088,Systematic,IRA,USD,2024-12-04,962697,88657,874040,1.0,58.0,31.8,3.4,6.8,VOO:19.9%;BND:11.2%;VTI:20.0%;TSLA:16.3%;MSFT:16.6%;XLF:15.9%,US:76.5;EU:9.8;APAC:6.2;EM:5.5;Other:1.9,Value:+0.6;Growth:+0.5;Quality:+0.3;Size:-0.4;Momentum:-0.2;LowVol:+1.0,,5,25,5.2,hard 12%,126,18.5,Sideways,15.4,4.9,2.6,139,0,40,45,false,Buy,Add to core equity +1%,34,-14,BrokerC,LMT,98,None,None,Normal monitoring,-35,7,3,5,false,Tighten stops on momentum names
P0089,Hands-off,Trust,USD,2025-02-25,318896,27713,291183,1.0,55.1,23.9,15.2,5.8,VOO:23.7%;AMZN:23.7%;XLF:22.9%;MSFT:14.3%;TSLA:15.5%,US:70.4;EU:6.9;APAC:14.3;EM:4.8;Other:3.6,Value:-0.4;Growth:-0.5;Quality:-0.9;Size:-0.2;Momentum:-0.4;LowVol:+0.5,ESGOnly,5,25,4.3,hard 10%,97,12.4,Sideways,17.8,4.29,3.0,135,30,60,38,false,Buy,Add to core equity +1%,-9,-26,BrokerA,LMT,98,None,None,Normal monitoring,106,-53,130,3,false,Within IPS guidelines
P0090,Systematic,Roth,USD,2024-09-11,1659490,99454,1560036,1.0,59.7,33.0,0.0,7.3,MUB:12.9%;QQQ:13.5%;VTI:21.6%;TSLA:15.9%;BRK.B:21.6%;GLD:14.4%,US:72.2;EU:15.6;APAC:8.2;EM:3.1;Other:1.0,Value:+0.4;Growth:-0.4;Quality:+0.4;Size:-0.6;Momentum:+0.5;LowVol:+0.4,,7,25,4.8,trailing 9%,140,19.3,Volatile,29.3,3.99,4.2,176,54,71,75,true,Reduce,"Cut high-beta by 2-3%, add cash",-2,-18,BrokerD,MKT,92,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,77,-50,92,5,false,Tighten stops on momentum names
P0091,Active,IRA,USD,2025-12-14,1768688,114402,1654286,1.0,53.6,21.2,16.7,8.5,BRK.B:27.1%;VNQ:25.0%;IEF:20.7%;TLT:27.1%,US:57.6;EU:21.7;APAC:5.6;EM:12.0;Other:3.1,Value:-1.0;Growth:+0.5;Quality:-0.8;Size:+0.9;Momentum:-0.3;LowVol:-0.2,,5,30,5.7,trailing 9%,183,27.3,Bull,14.1,4.33,3.5,80,25,70,32,false,Buy,Add to core equity +1%,17,6,BrokerC,MKT,97,None,None,Normal monitoring,-52,11,50,5,false,Tax-aware sells next window
P0092,Hands-off,Taxable,USD,2024-11-15,658577,63013,595564,1.0,58.5,26.0,10.3,5.3,MUB:23.0%;GLD:11.5%;MSFT:9.4%;IEF:23.0%;AMZN:10.1%;TSLA:23.0%,US:63.5;EU:16.9;APAC:10.1;EM:9.4;Other:0.1,Value:-0.3;Growth:-0.7;Quality:-0.7;Size:-0.9;Momentum:0.0;LowVol:0.0,ESGOnly,8,30,3.6,trailing 8%,146,17.2,Bull,15.5,3.51,2.9,117,118,99,44,false,Hedge,Add TLT +1% as duration hedge,-12,-9,BrokerD,MKT,98,None,None,Normal monitoring,12,2,-3,4,false,Tax-aware sells next window
P0093,Active,IRA,USD,2025-12-12,1088685,87091,1001594,1.0,52.9,31.0,9.7,6.4,MUB:38.0%;TSLA:24.0%;QQQ:38.0%,US:63.9;EU:16.3;APAC:8.0;EM:8.7;Other:3.1,Value:-0.0;Growth:+0.4;Quality:+0.7;Size:-0.3;Momentum:-0.8;LowVol:+0.1,NoDerivatives,8,35,5.1,hard 12%,135,21.8,Bull,17.8,3.74,2.3,85,89,87,44,false,Buy,Add to core equity +1%,17,-2,BrokerA,MKT,88,None,None,Normal monitoring,115,-16,140,5,false,Monitor dispersion and breadth
P0094,Opportunistic,IRA,USD,2024-08-27,1509084,84042,1425042,1.0,70.9,20.8,0.5,7.7,MUB:25.0%;AMZN:25.0%;BRK.B:25.0%;VNQ:25.0%,US:75.4;EU:8.4;APAC:11.3;EM:3.1;Other:1.8,Value:-0.6;Growth:-0.6;Quality:+0.4;Size:-0.5;Momentum:+0.2;LowVol:+0.9,MaxPos7%,5,30,4.5,trailing 7%,186,31.6,Bull,17.1,4.32,3.2,100,36,66,49,false,Sell,Trim extended winner -1%,-11,-21,BrokerA,MKT,95,None,None,Normal monitoring,25,-10,-8,5,false,Monitor dispersion and breadth
P0095,Opportunistic,Roth,USD,2024-09-02,1119842,37811,1082031,1.0,72.7,21.2,0.0,6.0,XLF:23.5%;VTI:21.2%;IEF:12.3%;GLD:19.6%;AMZN:23.5%,US:72.1;EU:12.6;APAC:10.6;EM:3.4;Other:1.3,Value:+0.8;Growth:+0.8;Quality:-0.8;Size:+0.6;Momentum:-0.9;LowVol:-0.4,MaxPos8%;NoDerivatives,10,35,4.4,trailing 9%,202,28.1,Volatile,31.7,3.76,2.7,176,-47,22,79,true,Hedge,Buy index puts 1% notional,32,-29,BrokerA,LMT,91,RegimeShift,Reduce,Volatility spike and breadth deterioration,75,-1,102,3,true,Tax-aware sells next window
P0096,Hands-off,IRA,USD,2025-08-30,276800,11688,265112,1.0,65.1,26.7,0.0,8.2,VNQ:20.6%;GLD:15.2%;BND:14.5%;MSFT:8.6%;AMZN:20.6%;BRK.B:20.6%,US:62.7;EU:15.7;APAC:10.7;EM:9.6;Other:1.3,Value:+0.5;Growth:-0.8;Quality:-0.5;Size:+0.2;Momentum:-0.5;LowVol:+0.2,MaxPos7%;NoDerivatives,6,35,5.9,trailing 8%,170,17.3,Bull,11.6,4.08,2.4,80,26,65,33,false,Sell,Trim extended winner -1%,8,-9,BrokerB,VWAP,97,None,None,Normal monitoring,31,-21,3,4,false,Increase defensive factor exposure
P0097,Cautious,Roth,USD,2025-02-24,741983,118014,623969,1.0,53.2,31.8,4.5,10.4,QQQ:27.7%;AAPL:27.7%;GLD:25.2%;IEF:19.4%,US:62.6;EU:16.7;APAC:8.2;EM:9.3;Other:3.2,Value:+0.2;Growth:+0.9;Quality:+0.3;Size:-0.2;Momentum:+0.8;LowVol:+0.6,ESGOnly;MaxPos5%;NoDerivatives;NoMargin,8,25,4.1,trailing 8%,144,17.7,Sideways,21.9,4.25,2.0,133,-22,38,60,false,Rebalance,Shift +1% to bonds from equity,4,-33,BrokerC,MKT,95,None,None,Normal monitoring,53,-18,100,3,false,Tighten stops on momentum names
P0098,Active,Roth,USD,2025-08-27,1775243,129660,1645583,1.0,65.0,22.8,6.8,5.4,HYG:16.5%;TSLA:25.9%;QQQ:12.1%;XLF:25.9%;AAPL:19.7%,US:69.7;EU:7.3;APAC:11.7;EM:11.1;Other:0.3,Value:+0.2;Growth:+0.6;Quality:-0.1;Size:-0.7;Momentum:-0.9;LowVol:+0.1,NoDerivatives,5,25,6.0,trailing 9%,130,27.3,Sideways,18.3,3.91,2.9,98,-18,37,57,false,Rebalance,Shift +1% to bonds from equity,3,2,BrokerB,LMT,92,None,None,Normal monitoring,107,-14,100,5,false,Within IPS guidelines
P0099,Hands-off,401k,USD,2025-03-26,330763,24776,305987,1.0,65.5,28.0,0.0,6.5,BRK.B:26.8%;BND:19.6%;VNQ:26.8%;HYG:26.8%,US:65.4;EU:18.2;APAC:7.0;EM:4.8;Other:4.6,Value:-0.1;Growth:+0.1;Quality:-0.1;Size:+0.2;Momentum:+0.1;LowVol:-0.6,MaxPos8%,8,35,3.3,trailing 10%,139,19.5,Volatile,24.6,4.06,2.9,134,24,71,74,true,Reduce,"Cut high-beta by 2-3%, add cash",19,-38,BrokerC,LMT,92,RegimeShift,Reduce,Volatility spike and breadth deterioration,49,-4,55,4,false,Within IPS guidelines
P0100,Opportunistic,Taxable,USD,2025-08-07,1757607,126871,1630736,1.1,60.2,14.7,19.2,6.0,VOO:35.2%;TSLA:35.2%;IEF:29.6%,US:61.8;EU:16.0;APAC:11.3;EM:10.2;Other:0.7,Value:+0.9;Growth:-0.8;Quality:-0.4;Size:-0.7;Momentum:+0.4;LowVol:+0.2,,8,25,5.9,trailing 7%,212,23.7,Bull,13.2,3.72,3.4,106,13,66,36,false,Rebalance,Shift +1% to bonds from equity,18,6,BrokerB,MKT,97,None,None,Normal monitoring,-57,-2,-3,5,false,Tighten stops on momentum names
P0101,Cautious,IRA,USD,2024-11-02,220910,21724,199186,1.0,46.2,41.4,0.0,12.4,AAPL:13.8%;BRK.B:15.4%;XLF:23.6%;MSFT:23.6%;VTI:23.6%,US:66.7;EU:14.7;APAC:6.3;EM:9.1;Other:3.3,Value:-0.8;Growth:+0.5;Quality:+0.3;Size:-0.9;Momentum:+0.7;LowVol:-0.5,NoMargin,10,25,5.0,trailing 8%,152,18.0,Volatile,28.0,5.03,4.0,116,-18,27,55,false,Sell,Trim extended winner -1%,33,-35,BrokerB,LMT,99,None,None,Normal monitoring,41,-30,131,4,false,Tax-aware sells next window
P0102,Hands-off,IRA,USD,2024-11-20,489884,42312,447572,1.0,55.1,22.9,13.8,8.1,AMZN:22.9%;IEF:14.6%;HYG:16.6%;TSLA:22.9%;QQQ:22.9%,US:73.8;EU:7.3;APAC:9.5;EM:7.0;Other:2.3,Value:-0.3;Growth:-0.5;Quality:+0.8;Size:0.0;Momentum:+0.4;LowVol:+0.7,ESGOnly,10,35,3.7,trailing 8%,129,15.2,Volatile,31.9,4.69,2.0,132,-56,32,80,true,Rebalance,Rebalance back to target bands,13,-1,BrokerA,MKT,96,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-8,-52,-20,5,false,Increase defensive factor exposure
P0103,Active,401k,USD,2025-03-13,513535,41265,472270,1.18,61.9,26.0,5.4,6.8,MUB:18.4%;TSLA:27.5%;MSFT:27.5%;VTI:26.6%,US:62.1;EU:22.1;APAC:8.6;EM:6.9;Other:0.3,Value:-0.1;Growth:+0.1;Quality:-0.3;Size:+0.6;Momentum:+0.1;LowVol:+0.1,,10,25,4.5,hard 12%,188,19.0,Bull,12.9,4.71,2.4,85,111,100,50,false,Buy,Add to core equity +1%,0,-34,BrokerA,MKT,98,None,None,Normal monitoring,113,-51,129,4,false,Tighten stops on momentum names
P0104,Hands-off,IRA,USD,2024-12-04,701280,29617,671663,1.0,64.7,24.1,2.2,9.1,IEF:20.5%;MSFT:11.7%;BND:20.5%;TLT:9.7%;HYG:17.3%;MUB:20.5%,US:62.6;EU:12.4;APAC:9.7;EM:12.7;Other:2.6,Value:+0.2;Growth:+0.3;Quality:-0.4;Size:-1.0;Momentum:+0.5;LowVol:+0.3,ESGOnly;NoDerivatives,6,30,4.7,trailing 8%,154,18.6,Sideways,20.6,3.59,2.8,121,37,66,55,false,NoAction,Within bands; monitor,-1,-3,BrokerB,LMT,98,None,None,Normal monitoring,103,-6,173,5,false,Tax-aware sells next window
P0105,Cautious,Roth,USD,2025-08-04,173524,15703,157821,1.0,50.9,35.1,0.0,13.9,MUB:23.1%;AMZN:14.2%;XLF:18.2%;TLT:23.1%;VNQ:21.4%,US:64.6;EU:11.3;APAC:13.4;EM:8.5;Other:2.1,Value:+0.7;Growth:-0.7;Quality:+0.1;Size:+0.9;Momentum:+1.0;LowVol:+0.9,ESGOnly;MaxPos8%;NoMargin,7,30,4.0,trailing 8%,161,17.9,Bull,11.4,3.53,2.4,109,83,81,35,false,Rebalance,Shift +1% to bonds from equity,8,12,BrokerB,LMT,93,None,None,Normal monitoring,-37,-45,-19,4,false,Within IPS guidelines
P0106,Systematic,Roth,USD,2024-08-21,703636,46214,657422,1.0,60.7,26.3,6.2,6.7,VOO:25.9%;VTI:22.7%;HYG:25.9%;AMZN:25.5%,US:71.1;EU:11.6;APAC:6.9;EM:6.2;Other:4.2,Value:-0.1;Growth:-0.4;Quality:+0.9;Size:0.0;Momentum:+0.2;LowVol:+0.7,,5,30,4.4,hard 12%,177,25.2,Bull,15.3,4.07,3.4,107,98,100,51,false,Rebalance,Shift +1% to bonds from equity,-12,-11,BrokerB,VWAP,92,None,None,Normal monitoring,-57,-41,37,5,false,Monitor dispersion and breadth
P0107,Active,IRA,USD,2025-11-28,1019136,113884,905252,1.0,55.5,24.0,11.4,9.2,VTI:33.3%;MUB:33.3%;VNQ:33.3%,US:68.7;EU:10.3;APAC:11.3;EM:6.2;Other:3.4,Value:-0.2;Growth:-1.0;Quality:+0.3;Size:+0.4;Momentum:+0.6;LowVol:+0.6,MaxPos6%;NoDerivatives,8,25,4.6,trailing 9%,210,25.7,Volatile,28.0,3.93,2.5,133,1,45,78,true,Rebalance,Rebalance back to target bands,0,5,BrokerA,LMT,87,VAR>budget,TightenStops,Risk above budget threshold,98,-60,169,5,false,Increase defensive factor exposure
P0108,Active,Roth,USD,2025-08-28,733587,48527,685060,1.0,59.2,20.3,13.4,7.1,VOO:26.6%;HYG:26.6%;BND:20.1%;TSLA:26.6%,US:70.2;EU:5.3;APAC:11.7;EM:10.0;Other:2.8,Value:-0.7;Growth:-0.4;Quality:+0.9;Size:-0.8;Momentum:+0.8;LowVol:-0.1,,8,25,5.3,trailing 9%,126,26.3,Bull,11.4,4.46,3.3,116,16,44,45,false,Rebalance,Shift +1% to bonds from equity,16,-18,BrokerB,MKT,98,None,None,Normal monitoring,11,-6,91,5,false,Tighten stops on momentum names
P0109,Active,IRA,USD,2025-04-24,2059307,208604,1850703,1.0,51.0,21.0,18.4,9.6,BRK.B:17.4%;VNQ:11.2%;AAPL:21.3%;MSFT:19.5%;TLT:9.3%;IEF:21.3%,US:73.0;EU:12.2;APAC:8.7;EM:4.9;Other:1.3,Value:-0.3;Growth:-0.2;Quality:-0.8;Size:+0.3;Momentum:-0.7;LowVol:+1.0,NoDerivatives,6,25,5.7,trailing 9%,122,17.0,Volatile,28.6,5.48,4.0,164,40,80,60,false,Buy,Add to core equity +1%,21,-21,BrokerC,MKT,93,None,None,Normal monitoring,-27,-35,64,3,false,Tighten stops on momentum names
P0110,Hands-off,IRA,USD,2025-04-02,306089,17559,288530,1.0,68.3,24.0,0.0,7.7,VTI:22.5%;AAPL:18.1%;TLT:11.6%;VOO:11.5%;GLD:22.5%;VNQ:13.7%,US:71.2;EU:5.9;APAC:14.5;EM:5.9;Other:2.5,Value:+0.5;Growth:-0.4;Quality:-1.0;Size:+0.9;Momentum:-0.8;LowVol:-0.3,ESGOnly;MaxPos5%;NoDerivatives,10,30,4.7,trailing 8%,107,18.8,Bear,30.1,3.31,1.8,141,24,57,87,true,Rebalance,Rebalance back to target bands,8,-34,BrokerA,LMT,98,RegimeShift,Hedge,Volatility spike and breadth deterioration,15,-58,100,5,false,Increase defensive factor exposure
P0111,Active,IRA,USD,2025-03-28,934824,63387,871437,1.0,58.1,19.6,13.1,9.1,MSFT:26.5%;QQQ:27.6%;VOO:27.6%;IEF:18.3%,US:65.1;EU:15.1;APAC:6.0;EM:11.2;Other:2.5,Value:-0.0;Growth:-0.8;Quality:-0.6;Size:+0.9;Momentum:-0.6;LowVol:-0.7,MaxPos6%;NoDerivatives,10,30,5.0,trailing 9%,182,18.8,Bull,11.3,4.47,2.3,103,40,84,35,false,Rebalance,Shift +1% to bonds from equity,-15,-35,BrokerD,VWAP,92,None,None,Normal monitoring,-34,-24,8,4,false,Within IPS guidelines
P0112,Hands-off,IRA,USD,2025-08-17,440573,18110,422463,1.0,57.2,26.4,10.2,6.2,QQQ:25.2%;BND:25.2%;BRK.B:24.4%;AAPL:25.2%,US:65.0;EU:19.4;APAC:7.4;EM:7.4;Other:0.8,Value:0.0;Growth:-0.2;Quality:-0.0;Size:-0.7;Momentum:-1.0;LowVol:+0.9,MaxPos5%,8,30,5.2,trailing 10%,157,18.1,Bear,26.0,4.31,1.3,133,-63,7,72,true,Hedge,Buy index puts 1% notional,9,-4,BrokerB,VWAP,96,RegimeShift,TightenStops,Volatility spike and breadth deterioration,-39,-52,-34,2,false,Tax-aware sells next window
P0113,Active,IRA,USD,2024-10-04,1632588,164482,1468106,1.0,53.5,27.5,11.1,7.9,BRK.B:22.9%;BND:16.9%;MUB:22.9%;HYG:22.9%;VTI:14.5%,US:63.2;EU:14.6;APAC:9.9;EM:8.5;Other:3.8,Value:-0.2;Growth:-0.9;Quality:-0.0;Size:+0.3;Momentum:+0.2;LowVol:+0.1,,7,35,5.2,trailing 9%,128,24.5,Bull,11.8,3.86,3.5,113,42,86,25,false,Buy,Add to core equity +1%,1,6,BrokerA,MKT,99,None,None,Normal monitoring,65,-20,57,3,false,Tighten stops on momentum names
P0114,Active,Roth,USD,2024-12-14,1478283,159217,1319066,1.18,55.1,30.0,6.0,8.8,TSLA:8.3%;VTI:20.1%;IEF:16.1%;GLD:20.1%;VNQ:20.1%;XLF:15.2%,US:65.2;EU:9.8;APAC:9.7;EM:10.0;Other:5.4,Value:+0.3;Growth:-0.8;Quality:+0.5;Size:-0.6;Momentum:+0.4;LowVol:-0.9,MaxPos8%,10,25,5.5,trailing 9%,149,23.3,Bull,14.9,3.67,3.0,83,72,96,43,false,Sell,Trim extended winner -1%,-6,-35,BrokerB,LMT,98,None,None,Normal monitoring,100,-23,191,4,false,Tighten stops on momentum names
P0115,Systematic,IRA,USD,2025-04-15,1717764,167829,1549935,1.0,56.0,30.3,7.2,6.5,TSLA:12.3%;QQQ:20.2%;VOO:19.9%;MUB:20.9%;BRK.B:20.9%;HYG:5.7%,US:68.4;EU:13.4;APAC:5.0;EM:8.8;Other:4.4,Value:-0.7;Growth:-0.0;Quality:+0.5;Size:+0.2;Momentum:-0.1;LowVol:-0.4,MaxPos8%,10,30,4.5,trailing 8%,230,27.3,Bear,30.1,3.18,1.2,191,-68,5,74,true,Reduce,"Cut high-beta by 2-3%, add cash",32,-26,BrokerA,LMT,88,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-19,-34,56,3,true,Monitor dispersion and breadth
P0116,Hands-off,401k,USD,2025-01-15,425057,40210,384847,1.0,63.5,24.9,4.0,7.6,VOO:27.7%;BRK.B:27.7%;IEF:27.7%;MUB:17.0%,US:66.8;EU:13.8;APAC:12.9;EM:4.3;Other:2.1,Value:-0.3;Growth:-0.4;Quality:+0.6;Size:+0.4;Momentum:-0.1;LowVol:-0.5,,10,25,5.5,trailing 10%,154,13.2,Bull,11.0,4.94,2.5,82,16,43,47,false,Rebalance,Shift +1% to bonds from equity,19,-11,BrokerB,LMT,86,None,None,Normal monitoring,94,-40,222,4,false,Tax-aware sells next window
P0117,Cautious,IRA,USD,2025-01-21,593485,77071,516414,1.0,41.6,30.3,12.1,16.1,VNQ:8.6%;XLF:19.8%;TLT:21.5%;QQQ:21.5%;AMZN:14.4%;AAPL:14.2%,US:68.2;EU:13.6;APAC:11.3;EM:5.9;Other:1.1,Value:+0.5;Growth:-0.5;Quality:+0.1;Size:+0.4;Momentum:-0.4;LowVol:-0.3,MaxPos8%;NoMargin,7,35,4.9,trailing 10%,102,13.8,Bear,30.4,3.44,1.2,190,-93,5,63,false,Rebalance,Shift +1% to bonds from equity,17,4,BrokerC,MKT,96,None,None,Normal monitoring,40,-2,50,5,false,Tighten stops on momentum names
P0118,Cautious,Roth,USD,2025-11-16,668195,67058,601137,1.0,38.0,39.7,10.8,11.5,AMZN:24.4%;BND:24.4%;AAPL:24.4%;BRK.B:18.3%;VTI:8.5%,US:74.7;EU:8.6;APAC:8.6;EM:6.4;Other:1.8,Value:-0.8;Growth:-0.4;Quality:-1.0;Size:+0.2;Momentum:+0.4;LowVol:-0.7,ESGOnly;NoMargin,7,25,3.9,trailing 10%,145,16.3,Bull,16.0,4.22,2.6,76,75,83,25,false,Rebalance,Shift +1% to bonds from equity,-13,-7,BrokerA,LMT,95,None,None,Normal monitoring,-6,-26,86,5,false,Increase defensive factor exposure
P0119,Opportunistic,401k,USD,2025-09-30,566210,33622,532588,1.0,69.3,17.1,7.6,6.1,VTI:21.8%;QQQ:22.9%;TSLA:22.9%;GLD:21.8%;IEF:10.6%,US:72.9;EU:9.8;APAC:9.4;EM:5.9;Other:2.1,Value:-0.2;Growth:+0.7;Quality:+0.9;Size:-0.0;Momentum:-0.2;LowVol:-0.0,,5,30,6.3,hard 12%,169,32.3,Bull,12.3,3.6,2.5,108,56,85,53,false,Sell,Trim extended winner -1%,12,6,BrokerA,VWAP,89,None,None,Normal monitoring,-15,-50,102,3,false,Tax-aware sells next window
P0120,Systematic,Trust,USD,2025-11-05,1254567,59204,1195363,1.0,62.0,29.5,0.0,8.5,VNQ:10.0%;TSLA:8.4%;HYG:22.6%;VOO:22.0%;IEF:14.5%;BRK.B:22.6%,US:59.8;EU:16.0;APAC:14.0;EM:10.1;Other:0.1,Value:-0.3;Growth:-0.0;Quality:+1.0;Size:-0.7;Momentum:-0.6;LowVol:+0.2,NoDerivatives,6,30,5.5,trailing 8%,196,27.5,Volatile,22.2,5.16,2.7,131,65,82,70,false,Buy,Add to core equity +1%,23,-19,BrokerD,MKT,97,None,None,Normal monitoring,97,9,75,3,false,Tighten stops on momentum names
P0121,Systematic,IRA,USD,2025-01-21,666006,57314,608692,1.0,67.5,22.2,3.6,6.8,IEF:25.0%;MUB:25.0%;MSFT:25.0%;BND:25.0%,US:63.4;EU:19.6;APAC:5.8;EM:7.5;Other:3.7,Value:-1.0;Growth:-0.1;Quality:-0.9;Size:+0.5;Momentum:-0.1;LowVol:-0.4,,7,30,5.1,trailing 9%,148,26.0,Bear,29.1,3.32,1.7,207,-89,9,72,true,Reduce,"Cut high-beta by 2-3%, add cash",29,-22,BrokerC,LMT,94,VAR>budget,Reduce,Risk above budget threshold,78,-6,52,5,false,Increase defensive factor exposure
P0122,Hands-off,Roth,USD,2025-05-20,439579,37350,402229,1.0,59.2,28.5,3.2,9.1,XLF:27.6%;GLD:27.6%;BRK.B:17.3%;MUB:27.6%,US:58.8;EU:17.0;APAC:11.8;EM:10.2;Other:2.2,Value:+0.4;Growth:+0.6;Quality:+0.6;Size:-0.9;Momentum:-0.0;LowVol:-0.4,ESGOnly;NoDerivatives,6,35,4.6,hard 10%,134,13.7,Volatile,25.6,4.2,3.1,174,58,93,68,false,Rebalance,Shift +1% to bonds from equity,18,-34,BrokerC,VWAP,100,None,None,Normal monitoring,-40,-41,97,4,false,Tighten stops on momentum names
P0123,Cautious,Trust,USD,2025-11-09,790347,120427,669920,1.0,37.1,30.9,21.7,10.3,TLT:20.3%;MUB:22.7%;BRK.B:22.5%;VOO:18.6%;AMZN:15.9%,US:66.5;EU:17.3;APAC:4.9;EM:10.9;Other:0.4,Value:-0.5;Growth:+0.5;Quality:+0.1;Size:+0.1;Momentum:+0.8;LowVol:+1.0,ESGOnly;MaxPos8%;NoMargin,10,25,4.9,trailing 10%,125,18.0,Volatile,32.0,5.21,2.2,124,-39,41,62,false,Rebalance,Shift +1% to bonds from equity,5,-36,BrokerB,MKT,92,None,None,Normal monitoring,-50,-39,50,3,false,Within IPS guidelines
P0124,Cautious,Roth,USD,2025-10-08,401726,43504,358222,1.0,35.5,40.4,11.6,12.5,BND:33.3%;VNQ:33.3%;QQQ:33.3%,US:56.3;EU:20.8;APAC:13.0;EM:9.2;Other:0.8,Value:-0.2;Growth:-0.0;Quality:+0.5;Size:-0.4;Momentum:-0.0;LowVol:-0.3,MaxPos7%;NoDerivatives;NoMargin,7,35,3.8,trailing 10%,164,16.9,Sideways,16.7,4.09,2.3,123,31,59,41,false,Rebalance,Shift +1% to bonds from equity,-4,-36,BrokerD,MKT,88,None,None,Normal monitoring,108,-53,178,3,false,Tighten stops on momentum names
P0125,Hands-off,401k,USD,2025-12-18,802552,61801,740751,1.0,66.9,27.5,0.2,5.4,VOO:14.1%;MSFT:23.9%;QQQ:14.2%;TSLA:23.9%;MUB:23.9%,US:65.4;EU:14.0;APAC:8.2;EM:9.2;Other:3.2,Value:-0.3;Growth:+0.2;Quality:-0.3;Size:+0.9;Momentum:0.0;LowVol:+0.9,,7,35,3.9,hard 10%,151,13.7,Volatile,20.8,4.36,3.7,158,20,64,59,false,Buy,Add to core equity +1%,-11,7,BrokerD,MKT,94,None,None,Normal monitoring,-36,-11,10,3,false,Within IPS guidelines
P0126,Cautious,Taxable,USD,2025-11-07,577333,91258,486075,1.0,51.7,30.5,0.2,17.6,AAPL:33.3%;BRK.B:33.3%;HYG:33.3%,US:69.4;EU:8.6;APAC:9.4;EM:7.7;Other:5.0,Value:+0.3;Growth:-0.9;Quality:-0.8;Size:+0.4;Momentum:+0.9;LowVol:-0.2,NoMargin,5,35,3.3,hard 10%,150,14.9,Volatile,22.9,3.52,2.6,178,20,75,54,false,Rebalance,Shift +1% to bonds from equity,25,-39,BrokerA,LMT,88,None,None,Normal monitoring,84,-8,59,4,false,Increase defensive factor exposure
P0127,Systematic,401k,USD,2025-04-20,1135153,77706,1057447,1.0,59.3,28.1,5.6,7.1,IEF:13.5%;BRK.B:11.1%;MUB:16.8%;TLT:16.3%;VTI:21.1%;TSLA:21.1%,US:71.9;EU:9.0;APAC:7.3;EM:5.8;Other:6.0,Value:-0.7;Growth:+0.1;Quality:+0.1;Size:+0.5;Momentum:-0.5;LowVol:-0.3,MaxPos6%,5,30,5.0,trailing 8%,132,24.3,Bear,33.3,3.93,2.8,159,-2,64,80,true,Reduce,"Cut high-beta by 2-3%, add cash",19,-11,BrokerA,LMT,100,VAR>budget,Hedge,Risk above budget threshold,-36,-60,32,4,false,Tighten stops on momentum names
P0128,Active,Roth,USD,2024-10-23,796119,86759,709360,1.07,65.3,24.3,0.9,9.5,AMZN:25.0%;GLD:25.0%;QQQ:25.0%;VOO:25.0%,US:72.7;EU:6.8;APAC:7.3;EM:8.9;Other:4.4,Value:-0.1;Growth:+0.7;Quality:-0.2;Size:-0.1;Momentum:-0.9;LowVol:-0.4,NoDerivatives,6,30,5.6,trailing 9%,222,19.2,Bull,11.8,4.44,3.0,87,87,88,38,false,Rebalance,Shift +1% to bonds from equity,25,-8,BrokerC,LMT,92,None,None,Normal monitoring,5,-20,-14,4,false,Tighten stops on momentum names
P0129,Cautious,Roth,USD,2025-03-09,269204,28382,240822,1.0,40.5,35.7,13.7,10.1,VTI:23.1%;MSFT:25.6%;AMZN:25.6%;BND:25.6%,US:65.1;EU:7.7;APAC:12.9;EM:10.3;Other:4.0,Value:+0.6;Growth:-0.5;Quality:+0.2;Size:-0.2;Momentum:-0.9;LowVol:-0.6,NoMargin,6,25,3.3,trailing 8%,167,17.3,Volatile,20.4,4.52,4.3,157,-4,55,55,false,Rebalance,Shift +1% to bonds from equity,20,-19,BrokerC,VWAP,93,None,None,Normal monitoring,-52,-3,-27,4,false,Increase defensive factor exposure
P0130,Systematic,401k,USD,2025-12-06,1640036,122918,1517118,1.0,56.3,21.5,14.9,7.3,GLD:22.0%;QQQ:22.0%;VNQ:20.0%;IEF:14.0%;HYG:22.0%,US:61.3;EU:17.3;APAC:10.8;EM:10.6;Other:0.0,Value:+0.7;Growth:-0.0;Quality:+0.7;Size:+0.3;Momentum:+0.3;LowVol:+0.4,MaxPos6%;NoDerivatives,10,25,4.7,trailing 9%,153,24.8,Bull,16.4,4.56,2.1,100,40,74,47,false,Rebalance,Shift +1% to bonds from equity,26,11,BrokerD,LMT,89,None,None,Normal monitoring,-24,-10,81,3,false,Tax-aware sells next window
P0131,Hands-off,Trust,USD,2024-07-07,374948,31103,343845,1.0,55.8,16.5,21.5,6.2,BND:33.3%;HYG:33.3%;XLF:33.3%,US:62.4;EU:20.2;APAC:12.5;EM:4.4;Other:0.5,Value:+0.7;Growth:+0.8;Quality:+0.7;Size:+0.9;Momentum:-0.3;LowVol:-0.2,ESGOnly;MaxPos8%,7,30,4.9,trailing 10%,109,13.9,Sideways,15.8,4.71,3.3,91,33,64,47,false,Rebalance,Shift +1% to bonds from equity,5,8,BrokerC,LMT,98,None,None,Normal monitoring,-20,-54,-42,3,false,Increase defensive factor exposure
P0132,Hands-off,Roth,USD,2025-03-16,579868,25087,554781,1.0,64.4,27.1,0.9,7.7,MSFT:21.4%;TLT:13.1%;IEF:8.0%;GLD:21.8%;HYG:19.1%;QQQ:16.6%,US:68.6;EU:7.5;APAC:12.6;EM:7.3;Other:3.9,Value:+0.2;Growth:+0.3;Quality:+0.5;Size:-0.3;Momentum:-0.6;LowVol:-0.6,ESGOnly;MaxPos6%,8,25,3.9,trailing 10%,119,18.9,Bull,13.2,4.55,3.0,110,113,100,45,false,Rebalance,Shift +1% to bonds from equity,-2,-14,BrokerA,LMT,100,None,None,Normal monitoring,62,14,77,4,false,Tighten stops on momentum names
P0133,Opportunistic,IRA,USD,2025-06-28,1578277,102657,1475620,1.0,63.6,20.4,8.1,7.9,VNQ:23.6%;IEF:23.6%;VOO:15.5%;BND:13.7%;TSLA:23.6%,US:62.4;EU:15.4;APAC:10.3;EM:8.7;Other:3.2,Value:-0.1;Growth:-0.0;Quality:-0.3;Size:+0.5;Momentum:+0.8;LowVol:-0.6,NoDerivatives,10,35,6.0,trailing 7%,192,28.4,Bull,11.3,4.14,3.1,75,99,100,38,false,Rebalance,Shift +1% to bonds from equity,30,9,BrokerC,MKT,88,None,None,Normal monitoring,81,2,120,5,false,Tighten stops on momentum names
P0134,Active,IRA,USD,2024-11-05,781228,80714,700514,1.0,64.8,26.9,0.0,8.3,VTI:19.0%;HYG:21.3%;MSFT:8.8%;AAPL:8.2%;TLT:21.3%;VNQ:21.3%,US:62.7;EU:18.7;APAC:7.1;EM:11.1;Other:0.4,Value:-0.4;Growth:-0.9;Quality:+0.2;Size:-0.6;Momentum:-0.1;LowVol:-0.2,MaxPos7%,5,25,4.2,trailing 8%,194,20.3,Bull,13.0,4.44,2.0,89,89,87,39,false,Sell,Trim extended winner -1%,15,-3,BrokerC,MKT,100,None,None,Normal monitoring,-16,-17,-54,5,false,Increase defensive factor exposure
P0135,Active,IRA,USD,2025-05-16,1764657,183159,1581498,1.17,52.5,26.8,10.8,9.9,MSFT:13.0%;GLD:8.7%;XLF:20.1%;MUB:20.1%;VTI:18.8%;TLT:19.4%,US:64.9;EU:11.2;APAC:9.3;EM:10.3;Other:4.3,Value:+0.6;Growth:-0.6;Quality:-0.6;Size:-0.4;Momentum:+0.8;LowVol:-1.0,,8,25,4.1,trailing 9%,227,19.7,Sideways,16.1,3.66,3.0,93,60,69,41,false,Rebalance,Shift +1% to bonds from equity,26,-17,BrokerC,LMT,97,None,None,Normal monitoring,117,-51,243,3,false,Tax-aware sells next window
P0136,Systematic,Taxable,USD,2024-12-04,692797,47171,645626,1.0,65.7,25.5,0.0,8.8,VNQ:21.7%;HYG:19.2%;AAPL:19.2%;MSFT:18.3%;VTI:21.7%,US:71.2;EU:14.8;APAC:6.1;EM:7.8;Other:0.1,Value:-0.5;Growth:-0.4;Quality:-0.2;Size:-0.3;Momentum:-0.2;LowVol:0.0,,5,35,5.8,trailing 9%,123,17.6,Sideways,18.3,4.24,2.7,91,49,86,49,true,Rebalance,Rebalance back to target bands,31,15,BrokerA,LMT,99,Drift>tolerance,Reduce,Allocation drift beyond policy bands,69,-21,136,5,true,Monitor dispersion and breadth
P0137,Opportunistic,Taxable,USD,2024-11-01,1383572,44412,1339160,1.0,68.2,20.6,6.3,4.9,TSLA:17.4%;BRK.B:22.9%;MSFT:22.9%;MUB:22.9%;AAPL:14.0%,US:62.1;EU:15.6;APAC:10.9;EM:7.8;Other:3.7,Value:-0.3;Growth:-0.7;Quality:-0.8;Size:-0.5;Momentum:0.0;LowVol:-0.2,MaxPos5%,7,25,5.2,hard 12%,270,26.3,Sideways,16.4,3.77,2.6,118,16,49,59,true,Reduce,"Cut high-beta by 2-3%, add cash",9,-16,BrokerD,LMT,99,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-54,3,25,5,false,Tax-aware sells next window
P0138,Cautious,401k,USD,2024-09-26,609097,78789,530308,1.0,45.0,30.6,7.7,16.7,XLF:12.0%;HYG:21.1%;MUB:11.5%;VOO:21.1%;VNQ:13.2%;TLT:21.1%,US:70.9;EU:9.2;APAC:7.9;EM:6.7;Other:5.3,Value:-0.8;Growth:+0.4;Quality:-0.2;Size:+0.5;Momentum:-0.1;LowVol:-0.1,NoMargin,7,35,3.1,trailing 10%,156,16.2,Volatile,25.6,5.25,2.7,120,53,88,63,false,Rebalance,Shift +1% to bonds from equity,-5,-18,BrokerD,MKT,95,None,None,Normal monitoring,70,7,158,4,false,Increase defensive factor exposure
P0139,Cautious,Trust,USD,2025-05-08,828803,87153,741650,1.0,38.8,34.9,9.7,16.6,TSLA:16.3%;AAPL:14.3%;VNQ:7.8%;VOO:20.8%;BRK.B:19.5%;TLT:21.4%,US:63.1;EU:8.7;APAC:11.5;EM:13.2;Other:3.6,Value:+0.9;Growth:-0.8;Quality:+0.3;Size:+0.5;Momentum:+0.8;LowVol:-0.5,NoMargin,5,30,4.9,hard 10%,114,16.7,Sideways,19.5,4.89,3.1,115,13,51,38,false,Buy,Add to core equity +1%,-10,-20,BrokerD,MKT,100,None,None,Normal monitoring,-17,-54,77,3,false,Tighten stops on momentum names
P0140,Cautious,Trust,USD,2025-03-06,495457,70621,424836,1.0,51.2,38.0,0.0,10.7,VNQ:14.7%;XLF:16.9%;AMZN:15.9%;QQQ:19.3%;MSFT:19.9%;BND:13.2%,US:59.9;EU:11.3;APAC:11.6;EM:13.6;Other:3.5,Value:-0.8;Growth:+0.8;Quality:+0.1;Size:+0.8;Momentum:+0.6;LowVol:+0.3,ESGOnly;NoMargin,5,25,3.6,trailing 8%,100,14.1,Bull,17.8,4.34,2.4,117,82,86,37,false,Buy,Add to core equity +1%,27,-26,BrokerD,LMT,91,None,None,Normal monitoring,50,-39,136,5,false,Increase defensive factor exposure
P0141,Cautious,Trust,USD,2024-11-26,827500,83981,743519,1.0,47.5,33.2,3.2,16.0,TLT:15.3%;BND:19.8%;QQQ:16.1%;MSFT:11.3%;HYG:18.7%;VTI:18.8%,US:61.4;EU:15.3;APAC:11.2;EM:11.4;Other:0.7,Value:-0.2;Growth:+0.9;Quality:-0.0;Size:+0.6;Momentum:+0.4;LowVol:-0.0,NoDerivatives;NoMargin,10,30,4.5,trailing 8%,154,15.1,Sideways,20.8,4.75,2.4,126,31,61,47,true,Hedge,Buy index puts 1% notional,13,-27,BrokerB,LMT,89,Drift>tolerance,Pause,Allocation drift beyond policy bands,-44,-36,96,2,true,Tax-aware sells next window
P0142,Cautious,401k,USD,2025-04-17,831962,98531,733431,1.0,45.3,32.8,8.5,13.3,IEF:12.9%;VOO:15.2%;MSFT:24.1%;TLT:24.1%;BRK.B:23.8%,US:55.2;EU:12.9;APAC:14.8;EM:12.2;Other:5.0,Value:+1.0;Growth:-0.3;Quality:-0.1;Size:+0.2;Momentum:-0.0;LowVol:+1.0,NoMargin,5,30,3.1,trailing 10%,142,17.5,Bull,16.8,4.86,2.4,107,32,70,37,false,Rebalance,Shift +1% to bonds from equity,0,-38,BrokerB,LMT,85,None,None,Normal monitoring,97,-41,112,5,false,Within IPS guidelines
P0143,Opportunistic,401k,USD,2024-11-25,1019017,87581,931436,1.0,65.0,13.8,14.5,6.7,VTI:17.4%;QQQ:16.4%;MUB:24.9%;BND:16.4%;VNQ:24.9%,US:67.6;EU:18.8;APAC:6.0;EM:7.5;Other:0.0,Value:+0.6;Growth:-0.5;Quality:+0.7;Size:-0.1;Momentum:+1.0;LowVol:-1.0,MaxPos8%,6,25,5.4,hard 12%,197,21.2,Volatile,22.8,3.73,3.4,178,3,40,57,false,Buy,Add to core equity +1%,28,-22,BrokerC,MKT,90,None,None,Normal monitoring,67,14,163,5,false,Within IPS guidelines
P0144,Systematic,Roth,USD,2025-07-26,1611428,145633,1465795,1.0,65.0,27.8,0.0,7.2,TSLA:26.2%;IEF:26.2%;VNQ:21.4%;VTI:26.2%,US:65.2;EU:9.6;APAC:9.0;EM:12.8;Other:3.4,Value:+0.1;Growth:+0.8;Quality:+0.1;Size:-0.2;Momentum:-0.2;LowVol:+0.5,,6,25,4.9,hard 12%,217,26.3,Bull,14.3,4.85,3.1,80,106,100,57,false,Rebalance,Shift +1% to bonds from equity,10,-27,BrokerB,MKT,88,None,None,Normal monitoring,32,-4,29,4,false,Monitor dispersion and breadth
P0145,Active,401k,USD,2024-08-25,1880294,217025,1663269,1.0,55.5,31.7,3.3,9.4,XLF:13.3%;QQQ:11.9%;MUB:24.9%;VOO:24.9%;GLD:24.9%,US:71.6;EU:7.2;APAC:13.4;EM:6.5;Other:1.4,Value:+0.5;Growth:+0.4;Quality:-0.4;Size:+0.1;Momentum:+0.4;LowVol:-0.7,,6,35,4.0,trailing 9%,192,22.2,Volatile,24.0,3.75,3.7,148,-48,16,64,false,Hedge,Add TLT +1% as duration hedge,22,-12,BrokerA,VWAP,88,None,None,Normal monitoring,99,-14,110,5,false,Tax-aware sells next window
P0146,Opportunistic,Roth,USD,2025-03-02,1443769,96735,1347034,1.1,67.4,13.6,14.3,4.7,IEF:13.6%;BND:21.0%;XLF:9.4%;HYG:17.0%;AMZN:18.0%;VNQ:21.0%,US:68.0;EU:13.2;APAC:9.5;EM:7.4;Other:1.9,Value:-0.2;Growth:-0.6;Quality:0.0;Size:-0.5;Momentum:+0.5;LowVol:+0.6,NoDerivatives,10,30,5.3,trailing 9%,184,21.1,Volatile,24.1,5.24,3.5,155,16,58,63,true,Hedge,Buy index puts 1% notional,16,-3,BrokerD,LMT,93,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-6,-18,40,3,false,Tighten stops on momentum names
P0147,Active,Taxable,USD,2025-08-16,776640,83363,693277,1.0,67.9,21.5,0.7,9.9,QQQ:11.3%;MSFT:22.3%;MUB:21.7%;AAPL:22.3%;XLF:22.3%,US:61.5;EU:8.9;APAC:15.8;EM:11.0;Other:2.9,Value:-0.5;Growth:+0.7;Quality:-0.2;Size:-0.3;Momentum:+0.9;LowVol:+0.5,,10,35,4.3,hard 12%,224,25.0,Bear,28.4,4.12,2.9,212,-92,9,74,true,Hedge,Buy index puts 1% notional,31,-26,BrokerA,LMT,98,RegimeShift,Hedge,Volatility spike and breadth deterioration,25,-42,31,5,false,Tighten stops on momentum names
P0148,Active,Trust,USD,2025-11-09,2110315,224493,1885822,1.0,69.0,20.4,3.1,7.5,QQQ:23.2%;AAPL:23.2%;VTI:16.4%;VNQ:13.9%;TLT:23.2%,US:66.1;EU:17.8;APAC:7.0;EM:7.1;Other:2.0,Value:+0.8;Growth:-0.2;Quality:-0.4;Size:-0.6;Momentum:+0.8;LowVol:-0.4,MaxPos5%,8,30,4.3,trailing 8%,144,23.5,Sideways,18.8,4.3,2.4,136,24,77,67,false,Hedge,Add TLT +1% as duration hedge,13,-1,BrokerD,MKT,97,None,None,Normal monitoring,106,-30,176,3,false,Monitor dispersion and breadth
P0149,Cautious,Roth,USD,2025-08-31,235377,26613,208764,1.0,43.5,32.8,9.7,14.0,BND:34.2%;TLT:31.6%;XLF:34.2%,US:65.2;EU:10.7;APAC:16.4;EM:6.9;Other:0.9,Value:-0.7;Growth:+0.6;Quality:-0.4;Size:+0.7;Momentum:-0.2;LowVol:+0.4,NoMargin,6,25,4.9,trailing 8%,134,19.2,Bull,11.5,4.95,2.7,86,95,100,20,false,Sell,Trim extended winner -1%,-9,-14,BrokerC,VWAP,100,None,None,Normal monitoring,18,-30,105,5,false,Increase defensive factor exposure
P0150,Systematic,Roth,USD,2025-03-13,895026,85103,809923,1.0,61.7,29.2,0.0,9.1,TSLA:17.6%;MUB:27.5%;GLD:27.5%;VOO:27.5%,US:71.4;EU:12.4;APAC:9.6;EM:2.7;Other:3.8,Value:-0.7;Growth:-0.2;Quality:-0.1;Size:-0.7;Momentum:+0.5;LowVol:+0.2,MaxPos6%,8,35,5.2,trailing 9%,135,21.9,Volatile,28.4,4.96,3.5,145,18,47,79,true,Hedge,Buy index puts 1% notional,10,-28,BrokerB,VWAP,91,RegimeShift,Reduce,Volatility spike and breadth deterioration,87,-33,127,4,true,Monitor dispersion and breadth
P0151,Opportunistic,401k,USD,2025-12-12,924521,78319,846202,1.0,71.5,14.5,7.2,6.8,MUB:18.0%;HYG:18.5%;MSFT:12.6%;GLD:21.9%;IEF:19.2%;BND:9.9%,US:69.0;EU:12.2;APAC:5.0;EM:9.3;Other:4.5,Value:+0.4;Growth:-0.7;Quality:+0.4;Size:-1.0;Momentum:+0.8;LowVol:-0.0,,8,30,4.2,trailing 7%,257,23.6,Bull,12.0,4.62,3.1,108,35,69,44,false,Rebalance,Shift +1% to bonds from equity,-5,-25,BrokerD,LMT,85,None,None,Normal monitoring,85,-13,50,4,false,Tax-aware sells next window
P0152,Hands-off,Taxable,USD,2025-05-26,251138,23647,227491,1.0,66.1,19.6,8.8,5.5,XLF:33.3%;BRK.B:33.3%;HYG:33.3%,US:68.7;EU:9.8;APAC:11.8;EM:7.6;Other:2.0,Value:-0.7;Growth:-0.4;Quality:-0.6;Size:+0.9;Momentum:-0.0;LowVol:-0.1,ESGOnly,10,30,5.9,hard 10%,90,16.3,Bull,17.5,4.98,2.7,82,113,100,44,false,Buy,Add to core equity +1%,14,-31,BrokerB,MKT,93,None,None,Normal monitoring,30,10,56,5,false,Monitor dispersion and breadth
P0153,Opportunistic,IRA,USD,2024-08-06,1433402,65269,1368133,1.0,66.5,17.4,8.5,7.7,BND:24.3%;VNQ:15.0%;MUB:17.7%;IEF:18.7%;AAPL:24.3%,US:58.1;EU:14.5;APAC:13.5;EM:10.0;Other:3.9,Value:+0.1;Growth:0.0;Quality:+0.9;Size:+0.8;Momentum:+1.0;LowVol:-0.3,,7,25,4.5,hard 12%,176,20.6,Bull,14.0,4.74,2.7,70,63,79,41,false,Rebalance,Shift +1% to bonds from equity,-15,-16,BrokerB,LMT,86,None,None,Normal monitoring,-7,-35,76,5,false,Monitor dispersion and breadth
P0154,Hands-off,Taxable,USD,2024-10-21,213547,17147,196400,1.0,69.9,22.6,0.0,7.6,HYG:26.7%;VOO:18.8%;TLT:14.3%;QQQ:13.5%;GLD:26.7%,US:54.5;EU:18.7;APAC:12.4;EM:11.5;Other:2.9,Value:+0.1;Growth:0.0;Quality:+0.4;Size:-0.8;Momentum:-0.8;LowVol:+0.8,,6,30,4.4,hard 10%,119,14.2,Sideways,17.9,4.74,2.8,134,-24,39,50,false,Rebalance,Shift +1% to bonds from equity,4,10,BrokerC,VWAP,96,None,None,Normal monitoring,-49,-14,16,4,false,Tighten stops on momentum names
P0155,Hands-off,Trust,USD,2025-03-12,572582,37818,534764,1.0,65.0,18.0,11.2,5.8,GLD:30.5%;BND:34.8%;BRK.B:34.8%,US:71.3;EU:10.4;APAC:9.8;EM:8.1;Other:0.5,Value:-0.6;Growth:+0.4;Quality:-0.0;Size:+0.7;Momentum:+0.3;LowVol:-0.5,ESGOnly,7,30,3.7,hard 10%,159,17.3,Bear,30.8,3.74,2.4,174,-18,51,75,true,Hedge,Buy index puts 1% notional,13,2,BrokerD,MKT,91,RegimeShift,Reduce,Volatility spike and breadth deterioration,-4,-8,106,3,true,Tighten stops on momentum names
P0156,Hands-off,401k,USD,2025-07-12,261569,10926,250643,1.0,66.7,26.9,0.0,6.4,VOO:21.4%;TSLA:14.3%;VNQ:21.4%;BRK.B:21.4%;MSFT:21.4%,US:63.6;EU:13.7;APAC:11.7;EM:9.2;Other:1.8,Value:-0.8;Growth:-0.2;Quality:-0.5;Size:-0.0;Momentum:-0.5;LowVol:+0.3,ESGOnly;MaxPos8%,8,30,5.9,trailing 8%,102,13.0,Volatile,30.5,5.11,4.3,171,43,76,88,true,Reduce,"Cut high-beta by 2-3%, add cash",24,-13,BrokerA,LMT,89,VAR>budget,Hedge,Risk above budget threshold,-56,-52,-84,2,false,Tighten stops on momentum names
P0157,Hands-off,Roth,USD,2024-09-22,747563,46420,701143,1.0,60.8,26.7,7.3,5.2,MUB:30.8%;GLD:30.8%;VTI:15.9%;XLF:22.4%,US:64.8;EU:15.4;APAC:11.4;EM:7.9;Other:0.5,Value:-0.8;Growth:-0.4;Quality:+1.0;Size:+0.5;Momentum:+1.0;LowVol:+0.4,MaxPos6%,5,25,3.9,hard 10%,151,13.8,Bull,12.6,4.58,3.2,79,48,81,49,false,Rebalance,Shift +1% to bonds from equity,-13,-15,BrokerA,MKT,88,None,None,Normal monitoring,35,-5,98,5,false,Increase defensive factor exposure
P0158,Cautious,Taxable,USD,2024-12-05,535429,82158,453271,1.0,47.8,42.0,0.0,10.2,VTI:19.5%;VOO:15.2%;BRK.B:15.6%;AMZN:13.1%;GLD:20.1%;TSLA:16.4%,US:62.8;EU:6.3;APAC:17.2;EM:8.3;Other:5.5,Value:+0.9;Growth:+0.6;Quality:+0.5;Size:0.0;Momentum:-0.9;LowVol:+0.9,NoMargin,8,25,5.2,hard 10%,137,16.3,Sideways,19.1,4.19,3.4,105,28,53,52,true,Hedge,Buy index puts 1% notional,28,-19,BrokerB,LMT,88,RegimeShift,Reduce,Volatility spike and breadth deterioration,97,8,168,3,false,Tighten stops on momentum names
P0159,Active,IRA,USD,2025-12-25,2133402,134916,1998486,1.22,66.0,22.5,2.8,8.8,QQQ:19.0%;AAPL:12.0%;VNQ:23.9%;MUB:11.8%;BRK.B:23.9%;AMZN:9.4%,US:74.2;EU:7.8;APAC:9.7;EM:7.3;Other:0.9,Value:0.0;Growth:-0.0;Quality:+0.4;Size:-0.8;Momentum:-0.0;LowVol:-0.7,NoDerivatives,6,35,5.2,hard 12%,225,27.8,Bull,11.4,3.86,3.4,92,27,75,52,false,Rebalance,Shift +1% to bonds from equity,13,-7,BrokerA,MKT,100,None,None,Normal monitoring,88,-8,155,3,false,Tighten stops on momentum names
P0160,Opportunistic,401k,USD,2025-11-12,1106242,41196,1065046,1.0,71.2,20.0,0.0,8.8,MUB:21.8%;VOO:9.0%;TSLA:24.3%;AAPL:24.3%;IEF:20.7%,US:63.7;EU:11.6;APAC:13.9;EM:7.2;Other:3.6,Value:-0.7;Growth:-0.5;Quality:-0.2;Size:-0.3;Momentum:-0.5;LowVol:-0.7,MaxPos5%,7,25,6.7,trailing 9%,160,22.0,Volatile,23.4,3.72,3.3,176,72,81,76,true,Reduce,"Cut high-beta by 2-3%, add cash",3,-1,BrokerB,LMT,87,RegimeShift,Reduce,Volatility spike and breadth deterioration,43,-59,123,5,false,Within IPS guidelines
P0161,Hands-off,Trust,USD,2024-08-14,516527,28581,487946,1.0,57.1,23.0,12.6,7.3,VTI:13.6%;VNQ:22.3%;TSLA:20.3%;VOO:21.6%;BRK.B:22.3%,US:66.0;EU:17.4;APAC:10.8;EM:4.3;Other:1.5,Value:-0.4;Growth:-0.9;Quality:+0.3;Size:-0.4;Momentum:-0.0;LowVol:+0.3,MaxPos8%,6,35,5.1,hard 10%,111,14.9,Bull,16.7,4.3,2.8,101,50,83,48,true,Rebalance,Rebalance back to target bands,3,-31,BrokerA,LMT,92,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-23,13,40,3,false,Tax-aware sells next window
P0162,Active,IRA,USD,2025-04-25,1579192,137790,1441402,1.16,51.0,19.3,23.9,5.8,AMZN:21.7%;XLF:21.9%;VOO:21.7%;MSFT:12.7%;BRK.B:21.9%,US:56.6;EU:18.8;APAC:11.3;EM:8.9;Other:4.3,Value:+0.9;Growth:-0.2;Quality:-0.5;Size:+0.1;Momentum:+0.1;LowVol:-0.6,,8,25,5.7,hard 12%,198,22.2,Volatile,21.7,5.32,4.4,133,26,68,56,false,Rebalance,Shift +1% to bonds from equity,11,2,BrokerA,MKT,86,None,None,Normal monitoring,17,-59,-19,3,false,Tax-aware sells next window
P0163,Hands-off,IRA,USD,2025-01-13,750624,47695,702929,1.0,66.0,29.1,0.0,4.9,BND:13.1%;QQQ:13.5%;GLD:25.4%;XLF:22.7%;TLT:25.4%,US:59.9;EU:17.9;APAC:13.3;EM:6.3;Other:2.6,Value:+0.3;Growth:0.0;Quality:-0.3;Size:+0.5;Momentum:-0.9;LowVol:-0.8,,6,35,4.7,trailing 8%,128,15.9,Bull,12.3,4.64,3.4,97,106,100,52,false,Hedge,Add TLT +1% as duration hedge,14,-39,BrokerB,MKT,99,None,None,Normal monitoring,50,4,14,5,false,Increase defensive factor exposure
P0164,Systematic,401k,USD,2024-12-27,1173770,111676,1062094,1.0,66.9,22.3,5.7,5.1,BND:33.3%;IEF:33.3%;VNQ:33.3%,US:70.6;EU:8.4;APAC:7.5;EM:11.8;Other:1.7,Value:-0.3;Growth:-0.8;Quality:-0.5;Size:0.0;Momentum:-0.0;LowVol:-0.8,,6,30,5.2,trailing 9%,189,25.7,Bull,12.0,3.87,2.9,74,43,82,39,false,Buy,Add to core equity +1%,30,-4,BrokerB,LMT,87,None,None,Normal monitoring,81,-53,162,3,false,Tax-aware sells next window
P0165,Cautious,Taxable,USD,2024-11-07,719846,68146,651700,1.0,41.1,37.1,9.7,12.0,TLT:24.7%;GLD:24.7%;BRK.B:16.2%;XLF:9.9%;BND:24.7%,US:73.8;EU:14.5;APAC:4.9;EM:4.0;Other:2.8,Value:-0.8;Growth:+0.6;Quality:-0.4;Size:+0.8;Momentum:+0.2;LowVol:-0.1,ESGOnly;NoDerivatives;NoMargin,10,30,3.0,trailing 8%,90,17.1,Bull,11.8,3.78,2.3,101,107,100,31,false,Buy,Add to core equity +1%,1,-4,BrokerD,VWAP,91,None,None,Normal monitoring,35,-21,56,4,false,Increase defensive factor exposure
P0166,Systematic,Taxable,USD,2025-03-05,553973,42463,511510,1.0,66.8,24.8,0.0,8.4,XLF:13.1%;QQQ:8.8%;IEF:20.5%;VOO:20.5%;BRK.B:16.7%;AAPL:20.5%,US:64.1;EU:17.3;APAC:9.2;EM:4.6;Other:4.7,Value:+0.1;Growth:-0.8;Quality:-0.9;Size:-0.5;Momentum:+1.0;LowVol:+0.4,NoDerivatives,7,25,5.3,trailing 9%,123,20.3,Bull,15.9,4.62,2.5,109,84,95,60,false,Buy,Add to core equity +1%,23,-5,BrokerC,MKT,89,None,None,Normal monitoring,67,0,123,3,false,Tax-aware sells next window
P0167,Opportunistic,401k,USD,2025-11-12,1464526,126594,1337932,1.0,71.1,20.8,0.0,8.0,MSFT:13.2%;AMZN:28.9%;IEF:28.9%;BRK.B:28.9%,US:66.5;EU:16.8;APAC:8.2;EM:8.0;Other:0.6,Value:-0.9;Growth:-0.7;Quality:+0.7;Size:+0.8;Momentum:+0.6;LowVol:+0.6,MaxPos7%,6,35,4.6,trailing 7%,169,21.9,Bull,11.5,3.54,2.9,120,110,100,38,true,Hedge,Buy index puts 1% notional,19,-27,BrokerB,MKT,93,VAR>budget,Hedge,Risk above budget threshold,35,-28,139,5,false,Increase defensive factor exposure
P0168,Opportunistic,IRA,USD,2025-08-29,998002,64953,933049,1.0,63.8,12.0,18.5,5.7,AAPL:21.2%;XLF:23.1%;BND:23.1%;AMZN:9.5%;HYG:23.1%,US:66.8;EU:14.3;APAC:13.8;EM:3.8;Other:1.2,Value:-0.6;Growth:-0.3;Quality:-0.1;Size:-0.7;Momentum:-0.9;LowVol:+1.0,,6,35,5.0,trailing 7%,171,34.9,Bear,22.1,4.1,1.9,185,-5,40,58,false,Rebalance,Shift +1% to bonds from equity,-2,-39,BrokerD,LMT,100,None,None,Normal monitoring,96,11,144,3,false,Tighten stops on momentum names
P0169,Active,401k,USD,2025-11-30,2368088,156961,2211127,1.0,56.8,30.3,3.3,9.6,BRK.B:21.9%;TLT:26.8%;TSLA:26.8%;AAPL:24.5%,US:61.3;EU:17.5;APAC:8.3;EM:10.6;Other:2.4,Value:+0.2;Growth:-0.1;Quality:+1.0;Size:-0.5;Momentum:+0.8;LowVol:-0.5,MaxPos5%,8,25,4.8,trailing 9%,154,26.7,Volatile,21.5,5.14,3.0,122,-18,49,61,false,Sell,Trim extended winner -1%,24,-12,BrokerD,MKT,93,None,None,Normal monitoring,7,-29,7,3,false,Increase defensive factor exposure
P0170,Systematic,Taxable,USD,2025-09-02,1186448,61373,1125075,1.0,63.4,27.8,0.0,8.9,HYG:33.3%;BND:33.3%;AAPL:33.3%,US:60.6;EU:15.7;APAC:9.5;EM:11.4;Other:2.9,Value:+0.6;Growth:-0.9;Quality:-0.8;Size:-0.6;Momentum:+0.9;LowVol:+0.4,,8,25,4.1,hard 12%,196,23.4,Bull,13.2,4.16,2.3,110,79,76,47,false,Rebalance,Shift +1% to bonds from equity,7,-35,BrokerC,LMT,88,None,None,Normal monitoring,59,7,36,3,false,Increase defensive factor exposure
P0171,Active,Taxable,USD,2025-11-07,553415,63190,490225,1.15,63.1,24.0,3.4,9.5,AMZN:17.6%;TSLA:17.1%;BND:7.9%;IEF:16.1%;HYG:20.7%;MUB:20.7%,US:75.1;EU:7.3;APAC:9.0;EM:5.4;Other:3.2,Value:+0.6;Growth:+0.6;Quality:+1.0;Size:+0.6;Momentum:-0.8;LowVol:+0.1,,5,30,5.1,trailing 8%,181,26.2,Volatile,27.8,4.11,4.3,173,58,72,79,true,Hedge,Buy index puts 1% notional,8,-37,BrokerA,MKT,97,VAR>budget,Reduce,Risk above budget threshold,98,-4,232,5,false,Tighten stops on momentum names
P0172,Active,Trust,USD,2025-09-12,1221703,136814,1084889,1.0,61.6,28.1,4.6,5.7,TLT:21.0%;VNQ:8.8%;VTI:19.5%;HYG:20.3%;MUB:9.5%;XLF:21.0%,US:62.6;EU:18.7;APAC:9.7;EM:4.5;Other:4.5,Value:+0.8;Growth:-0.7;Quality:0.0;Size:-0.0;Momentum:+0.3;LowVol:-0.1,,8,35,4.8,trailing 9%,184,25.8,Bull,15.7,3.84,3.1,114,47,78,42,false,Rebalance,Shift +1% to bonds from equity,25,10,BrokerC,LMT,96,None,None,Normal monitoring,-22,-16,68,3,false,Within IPS guidelines
P0173,Hands-off,IRA,USD,2025-07-20,204200,11981,192219,1.0,55.9,17.8,20.5,5.7,MUB:10.3%;VNQ:9.3%;GLD:19.8%;HYG:20.8%;TLT:19.0%;VOO:20.8%,US:72.0;EU:12.8;APAC:9.8;EM:4.7;Other:0.6,Value:-0.6;Growth:-0.1;Quality:-0.8;Size:-0.9;Momentum:-0.0;LowVol:+0.1,MaxPos7%,5,35,3.2,hard 10%,150,18.2,Bull,12.7,4.82,2.8,93,35,69,31,false,Rebalance,Shift +1% to bonds from equity,8,-5,BrokerC,VWAP,96,None,None,Normal monitoring,-18,-23,-2,4,false,Tax-aware sells next window
P0174,Cautious,Taxable,USD,2025-01-07,802179,72754,729425,1.0,52.8,37.0,0.0,10.2,HYG:33.3%;QQQ:33.3%;TSLA:33.3%,US:56.9;EU:17.4;APAC:10.4;EM:10.4;Other:4.9,Value:+0.1;Growth:+0.6;Quality:-0.1;Size:+0.1;Momentum:-0.9;LowVol:-0.2,NoMargin,8,30,4.8,hard 10%,105,17.8,Bear,22.7,3.03,1.1,150,-118,6,60,false,Rebalance,Shift +1% to bonds from equity,19,-6,BrokerD,VWAP,89,None,None,Normal monitoring,100,-54,210,4,false,Monitor dispersion and breadth
P0175,Opportunistic,Taxable,USD,2024-12-18,690693,23409,667284,1.0,69.1,18.7,7.7,4.5,VNQ:23.8%;BRK.B:13.9%;MSFT:21.9%;TSLA:16.5%;VTI:23.8%,US:68.0;EU:13.1;APAC:8.5;EM:7.6;Other:2.8,Value:-0.2;Growth:+0.3;Quality:+0.8;Size:+0.2;Momentum:-0.9;LowVol:-0.2,,10,30,4.5,hard 12%,244,21.0,Bear,29.5,4.07,1.6,203,-48,29,70,false,Rebalance,Shift +1% to bonds from equity,7,-30,BrokerD,VWAP,87,None,None,Normal monitoring,63,-24,91,4,false,Tax-aware sells next window
P0176,Systematic,Taxable,USD,2025-10-08,1474110,79442,1394668,1.0,64.3,24.1,6.3,5.2,MUB:33.3%;HYG:33.3%;AAPL:33.3%,US:64.0;EU:17.5;APAC:7.0;EM:8.9;Other:2.6,Value:-0.0;Growth:+0.7;Quality:-0.3;Size:-0.5;Momentum:-0.2;LowVol:+0.9,NoDerivatives,6,30,4.3,trailing 9%,184,16.1,Sideways,21.6,4.23,2.4,107,8,52,66,true,Hedge,Buy index puts 1% notional,26,-18,BrokerC,VWAP,87,RegimeShift,TightenStops,Volatility spike and breadth deterioration,-32,-44,89,4,false,Within IPS guidelines
P0177,Cautious,Roth,USD,2025-08-28,794841,108342,686499,1.0,44.9,41.0,0.0,14.1,VNQ:9.7%;XLF:20.0%;HYG:18.8%;GLD:10.7%;VTI:20.4%;IEF:20.4%,US:62.5;EU:13.9;APAC:11.5;EM:8.4;Other:3.7,Value:+1.0;Growth:+0.3;Quality:-0.1;Size:-0.9;Momentum:+0.7;LowVol:-0.9,ESGOnly;MaxPos5%;NoMargin,8,35,4.9,hard 10%,93,19.2,Sideways,17.9,4.59,3.2,116,29,63,51,true,Rebalance,Rebalance back to target bands,20,3,BrokerB,MKT,97,Drift>tolerance,Hedge,Allocation drift beyond policy bands,52,6,113,2,false,Increase defensive factor exposure
P0178,Active,Taxable,USD,2024-08-31,1602346,105256,1497090,1.1,58.4,21.8,14.6,5.2,BRK.B:9.9%;TLT:22.2%;MSFT:21.1%;HYG:11.2%;BND:22.2%;VNQ:13.4%,US:68.4;EU:17.8;APAC:9.0;EM:4.5;Other:0.4,Value:+0.5;Growth:-0.1;Quality:+0.7;Size:+0.7;Momentum:-0.9;LowVol:+0.6,MaxPos6%,7,35,4.9,trailing 8%,188,22.6,Sideways,17.5,4.21,3.1,99,-7,41,46,false,Rebalance,Shift +1% to bonds from equity,14,-6,BrokerA,VWAP,86,None,None,Normal monitoring,12,-3,-1,3,false,Monitor dispersion and breadth
P0179,Hands-off,Trust,USD,2025-05-15,727465,64275,663190,1.0,70.3,24.3,0.0,5.3,TSLA:22.4%;BND:21.6%;AAPL:22.5%;AMZN:10.9%;MSFT:22.5%,US:73.2;EU:7.6;APAC:8.2;EM:7.5;Other:3.5,Value:+0.9;Growth:0.0;Quality:+0.5;Size:-0.3;Momentum:-0.0;LowVol:+0.4,ESGOnly;MaxPos5%;NoDerivatives,5,30,4.5,hard 10%,146,19.5,Volatile,30.9,5.17,2.7,111,79,92,74,true,Hedge,Buy index puts 1% notional,12,-7,BrokerC,VWAP,94,RegimeShift,Reduce,Volatility spike and breadth deterioration,21,-40,-10,4,false,Within IPS guidelines
P0180,Hands-off,Trust,USD,2025-09-28,701152,39677,661475,1.0,59.7,27.5,5.1,7.7,TLT:9.7%;GLD:20.0%;BRK.B:14.2%;VOO:20.6%;HYG:17.9%;IEF:17.5%,US:56.5;EU:15.5;APAC:12.6;EM:10.9;Other:4.5,Value:+0.5;Growth:-0.4;Quality:+0.2;Size:+0.8;Momentum:+0.2;LowVol:-0.3,,5,30,5.7,trailing 10%,111,13.2,Volatile,21.9,3.95,2.3,172,-15,30,68,false,Rebalance,Shift +1% to bonds from equity,-6,-22,BrokerC,MKT,93,None,None,Normal monitoring,22,-59,114,5,false,Tax-aware sells next window
P0181,Hands-off,401k,USD,2025-05-28,756725,34513,722212,1.0,67.8,23.5,0.0,8.7,XLF:27.5%;VNQ:28.6%;IEF:28.6%;HYG:15.4%,US:61.5;EU:20.2;APAC:13.0;EM:4.2;Other:1.0,Value:-1.0;Growth:-0.0;Quality:-0.9;Size:+0.1;Momentum:-0.9;LowVol:+0.5,ESGOnly;MaxPos6%,6,25,4.0,trailing 8%,150,16.3,Bull,14.9,3.65,3.5,72,86,97,40,false,NoAction,Within bands; monitor,2,6,BrokerC,LMT,100,None,None,Normal monitoring,15,20,104,4,false,Increase defensive factor exposure
P0182,Cautious,IRA,USD,2025-07-02,639386,97608,541778,1.0,39.3,40.3,7.1,13.4,TSLA:33.3%;BND:33.3%;QQQ:33.3%,US:65.4;EU:15.2;APAC:11.3;EM:6.2;Other:1.9,Value:+0.7;Growth:+0.8;Quality:+0.2;Size:+0.2;Momentum:-0.4;LowVol:-1.0,ESGOnly;NoMargin,8,30,4.2,trailing 10%,102,15.2,Bear,31.5,4.45,1.8,178,-68,19,64,false,NoAction,Within bands; monitor,-1,-20,BrokerC,VWAP,94,None,None,Normal monitoring,7,-14,126,4,false,Tighten stops on momentum names
P0183,Hands-off,Taxable,USD,2025-01-01,889301,71169,818132,1.0,60.6,17.0,13.6,8.8,BRK.B:33.4%;VNQ:33.4%;MSFT:33.2%,US:60.1;EU:17.4;APAC:9.1;EM:10.4;Other:3.0,Value:+0.9;Growth:-0.5;Quality:+0.4;Size:-0.3;Momentum:-0.7;LowVol:+1.0,,7,25,5.3,trailing 8%,118,16.7,Bear,27.5,3.59,2.0,171,-75,5,70,false,NoAction,Within bands; monitor,34,-24,BrokerD,LMT,86,None,None,Normal monitoring,-42,-4,-19,4,false,Tighten stops on momentum names
P0184,Opportunistic,401k,USD,2025-08-04,1452901,60985,1391916,1.0,76.2,11.8,7.6,4.3,VOO:25.0%;MSFT:25.0%;VTI:25.0%;TLT:25.0%,US:69.4;EU:8.8;APAC:6.7;EM:10.5;Other:4.6,Value:+0.3;Growth:-0.1;Quality:+0.9;Size:-0.5;Momentum:0.0;LowVol:-1.0,,7,25,4.3,trailing 9%,213,27.5,Volatile,21.6,4.89,4.1,156,19,58,68,false,Hedge,Add TLT +1% as duration hedge,-13,-28,BrokerA,LMT,99,None,None,Normal monitoring,-37,13,6,4,false,Within IPS guidelines
P0185,Active,Taxable,USD,2024-11-06,1035481,121382,914099,1.0,57.3,19.8,17.4,5.5,VOO:13.4%;HYG:23.0%;QQQ:18.8%;IEF:21.7%;BRK.B:23.0%,US:66.0;EU:14.6;APAC:7.8;EM:7.4;Other:4.2,Value:-1.0;Growth:+0.7;Quality:+0.3;Size:+0.6;Momentum:-1.0;LowVol:+0.5,MaxPos6%;NoDerivatives,5,30,4.3,trailing 9%,128,25.8,Bull,13.3,4.62,3.3,106,37,77,42,false,NoAction,Within bands; monitor,-7,3,BrokerA,LMT,90,None,None,Normal monitoring,-58,-18,10,4,false,Within IPS guidelines
P0186,Hands-off,IRA,USD,2025-02-26,484423,43006,441417,1.0,59.3,23.7,11.5,5.4,TSLA:21.2%;VNQ:19.0%;VTI:16.9%;XLF:21.2%;IEF:7.1%;TLT:14.6%,US:66.2;EU:6.1;APAC:12.6;EM:10.2;Other:5.0,Value:+0.9;Growth:-0.4;Quality:-0.9;Size:+0.8;Momentum:0.0;LowVol:-0.0,MaxPos8%,10,35,3.4,hard 10%,145,19.6,Sideways,19.7,4.77,2.6,126,1,63,52,true,Hedge,Buy index puts 1% notional,-6,-30,BrokerC,MKT,87,Drift>tolerance,Hedge,Allocation drift beyond policy bands,76,-40,190,2,false,Increase defensive factor exposure
P0187,Systematic,401k,USD,2025-06-05,1607278,155695,1451583,1.0,62.1,30.0,0.0,7.9,BRK.B:22.8%;VOO:22.8%;MUB:14.4%;MSFT:22.8%;GLD:17.3%,US:60.7;EU:18.6;APAC:10.6;EM:5.6;Other:4.4,Value:+0.2;Growth:+0.2;Quality:+1.0;Size:-0.5;Momentum:+1.0;LowVol:-0.6,NoDerivatives,8,35,4.3,hard 12%,158,18.6,Bear,22.8,3.35,2.2,208,-62,10,67,false,Rebalance,Shift +1% to bonds from equity,-6,-6,BrokerD,LMT,98,None,None,Normal monitoring,71,-51,164,5,false,Monitor dispersion and breadth
P0188,Hands-off,IRA,USD,2025-09-14,866499,61131,805368,1.0,67.4,26.8,0.0,5.8,VTI:16.7%;VOO:22.3%;TLT:16.6%;BRK.B:10.7%;MUB:22.3%;IEF:11.3%,US:64.4;EU:14.0;APAC:12.9;EM:5.1;Other:3.7,Value:+0.5;Growth:-0.0;Quality:+0.8;Size:-0.9;Momentum:-0.0;LowVol:-0.6,ESGOnly,5,35,5.2,trailing 8%,116,12.6,Volatile,20.9,4.66,2.9,115,44,63,53,false,Rebalance,Shift +1% to bonds from equity,-12,-34,BrokerA,MKT,90,None,None,Normal monitoring,63,-29,71,4,false,Tighten stops on momentum names
P0189,Active,Taxable,USD,2025-09-19,2350983,240956,2110027,1.0,55.3,28.0,7.3,9.5,VTI:33.3%;GLD:33.3%;TLT:33.3%,US:61.9;EU:20.2;APAC:6.2;EM:7.6;Other:4.1,Value:-0.2;Growth:-0.7;Quality:-0.9;Size:+0.3;Momentum:+0.8;LowVol:+0.6,MaxPos7%,7,35,5.6,trailing 9%,166,22.9,Bear,35.0,3.49,1.3,134,-119,5,91,true,Hedge,Buy index puts 1% notional,2,0,BrokerB,MKT,86,VAR>budget,Reduce,Risk above budget threshold,111,-26,168,4,true,Tax-aware sells next window
P0190,Cautious,IRA,USD,2025-09-18,156893,22783,134110,1.0,40.7,32.7,8.6,18.0,VOO:33.6%;XLF:32.9%;AMZN:33.6%,US:61.5;EU:20.9;APAC:12.5;EM:4.9;Other:0.2,Value:+0.5;Growth:-0.4;Quality:+0.1;Size:+0.9;Momentum:+0.1;LowVol:+0.1,ESGOnly;NoMargin,6,25,3.9,trailing 8%,112,18.5,Volatile,24.7,3.69,2.9,120,-13,33,49,false,Buy,Add to core equity +1%,26,-36,BrokerA,MKT,95,None,None,Normal monitoring,-16,-41,52,4,false,Tax-aware sells next window
P0191,Opportunistic,Trust,USD,2025-01-03,844156,39177,804979,1.0,61.5,21.4,12.2,5.0,AMZN:18.4%;BRK.B:24.0%;TSLA:9.7%;IEF:24.0%;VTI:24.0%,US:64.9;EU:10.8;APAC:15.2;EM:6.5;Other:2.7,Value:+0.1;Growth:+0.9;Quality:-0.2;Size:-0.7;Momentum:0.0;LowVol:-0.1,,6,35,6.0,trailing 9%,216,26.9,Sideways,14.7,3.65,2.4,90,-21,46,55,true,Hedge,Buy index puts 1% notional,26,11,BrokerA,LMT,94,RegimeShift,Hedge,Volatility spike and breadth deterioration,57,-2,172,2,false,Increase defensive factor exposure
P0192,Cautious,401k,USD,2025-04-09,352963,55743,297220,1.0,47.4,41.5,0.0,11.1,TSLA:33.3%;TLT:33.3%;AAPL:33.3%,US:74.0;EU:6.8;APAC:13.6;EM:3.5;Other:2.2,Value:+0.7;Growth:-0.5;Quality:-0.3;Size:+0.8;Momentum:-0.4;LowVol:-1.0,NoMargin,6,30,4.6,hard 10%,140,18.5,Bull,15.6,4.8,2.6,92,102,95,36,true,Hedge,Buy index puts 1% notional,28,-30,BrokerB,MKT,86,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-59,-29,72,4,false,Tighten stops on momentum names
P0193,Systematic,Trust,USD,2024-07-11,1921390,156450,1764940,1.0,63.3,31.6,0.0,5.1,VOO:22.8%;QQQ:22.8%;IEF:22.8%;TSLA:21.6%;BRK.B:9.9%,US:71.6;EU:13.1;APAC:8.9;EM:3.9;Other:2.6,Value:+0.3;Growth:+0.1;Quality:-0.9;Size:-0.4;Momentum:-0.5;LowVol:-0.2,,10,35,4.2,trailing 8%,127,26.4,Volatile,26.5,4.65,3.5,150,-31,46,65,false,Sell,Trim extended winner -1%,10,-32,BrokerC,MKT,96,None,None,Normal monitoring,11,-57,-21,3,false,Tax-aware sells next window
P0194,Active,Taxable,USD,2025-10-03,873636,77196,796440,1.0,64.2,19.1,7.5,9.1,BRK.B:29.2%;AMZN:29.2%;XLF:29.2%;QQQ:12.3%,US:57.5;EU:21.4;APAC:12.3;EM:5.3;Other:3.5,Value:-0.6;Growth:+0.6;Quality:+0.1;Size:+0.4;Momentum:+0.6;LowVol:-0.2,,10,30,5.5,trailing 9%,152,22.5,Bull,16.3,4.01,3.0,87,68,89,53,false,Buy,Add to core equity +1%,-7,-17,BrokerC,LMT,89,None,None,Normal monitoring,62,-8,35,4,false,Monitor dispersion and breadth
P0195,Active,Trust,USD,2025-04-01,2430907,250310,2180597,1.0,62.7,24.4,4.8,8.1,MUB:23.2%;GLD:21.5%;TLT:23.2%;MSFT:23.2%;AAPL:8.9%,US:64.8;EU:8.8;APAC:14.1;EM:10.7;Other:1.7,Value:-0.4;Growth:-0.8;Quality:-0.8;Size:-0.1;Momentum:+0.6;LowVol:+0.3,,8,35,4.2,trailing 9%,181,17.0,Volatile,26.9,4.14,3.5,155,21,53,76,true,Hedge,Buy index puts 1% notional,-9,7,BrokerA,VWAP,91,VAR>budget,Reduce,Risk above budget threshold,-37,-38,81,5,true,Tighten stops on momentum names
P0196,Active,Trust,USD,2025-07-09,916199,91005,825194,1.24,61.4,30.0,0.0,8.6,XLF:33.3%;TLT:33.3%;MSFT:33.3%,US:59.3;EU:21.2;APAC:12.0;EM:7.4;Other:0.2,Value:+1.0;Growth:+0.3;Quality:-0.9;Size:-0.7;Momentum:+0.5;LowVol:-0.6,NoDerivatives,8,35,5.6,trailing 8%,225,20.5,Bull,13.5,4.3,3.2,82,70,81,51,false,Sell,Trim extended winner -1%,5,15,BrokerC,LMT,90,None,None,Normal monitoring,-34,-23,73,3,false,Monitor dispersion and breadth
P0197,Cautious,Taxable,USD,2024-09-01,646617,67494,579123,1.0,47.4,33.4,7.3,11.9,QQQ:33.3%;TLT:33.3%;BRK.B:33.3%,US:70.6;EU:5.3;APAC:12.8;EM:7.3;Other:4.0,Value:+1.0;Growth:-0.4;Quality:+0.5;Size:+0.1;Momentum:+0.8;LowVol:-0.7,ESGOnly;MaxPos5%;NoDerivatives;NoMargin,6,25,3.3,trailing 8%,135,14.7,Bull,11.5,3.79,2.5,95,24,49,24,false,Hedge,Add TLT +1% as duration hedge,-12,-25,BrokerD,MKT,96,None,None,Normal monitoring,30,10,75,5,false,Increase defensive factor exposure
P0198,Cautious,Taxable,USD,2024-09-17,777995,106705,671290,1.0,51.4,38.6,0.0,10.0,AMZN:19.1%;BND:22.1%;GLD:22.1%;VOO:14.6%;TLT:22.1%,US:63.7;EU:12.6;APAC:14.3;EM:9.1;Other:0.3,Value:+0.9;Growth:+0.9;Quality:-0.6;Size:-0.2;Momentum:+0.5;LowVol:-0.8,NoMargin,5,35,4.5,hard 10%,106,14.9,Bear,23.7,3.58,1.8,186,-90,20,48,false,Rebalance,Shift +1% to bonds from equity,9,-34,BrokerA,MKT,90,None,None,Normal monitoring,-59,-8,-75,5,false,Within IPS guidelines
P0199,Systematic,Taxable,USD,2024-09-15,1125368,80707,1044661,1.0,60.7,31.5,2.4,5.4,XLF:22.8%;VOO:22.8%;MSFT:12.9%;BND:22.8%;AMZN:18.7%,US:57.2;EU:17.7;APAC:15.3;EM:8.1;Other:1.8,Value:+0.4;Growth:-0.9;Quality:+0.1;Size:+0.5;Momentum:-1.0;LowVol:+0.7,MaxPos7%;NoDerivatives,10,30,5.4,trailing 8%,189,24.4,Sideways,18.0,4.67,2.1,133,29,77,54,true,Hedge,Buy index puts 1% notional,14,9,BrokerD,MKT,89,Drift>tolerance,Reduce,Allocation drift beyond policy bands,69,-26,94,5,false,Tax-aware sells next window
P0200,Opportunistic,IRA,USD,2025-04-01,1059710,76424,983286,1.0,75.6,13.8,4.1,6.5,GLD:19.7%;VNQ:11.6%;XLF:13.6%;QQQ:18.2%;BRK.B:17.5%;TLT:19.4%,US:74.7;EU:8.2;APAC:6.2;EM:8.2;Other:2.7,Value:+0.7;Growth:+1.0;Quality:+0.5;Size:+0.5;Momentum:+0.6;LowVol:-0.5,,6,30,5.5,hard 12%,168,25.5,Volatile,21.5,4.7,3.8,152,74,84,60,false,Buy,Add to core equity +1%,-11,11,BrokerD,LMT,93,None,None,Normal monitoring,76,-38,160,5,false,Increase defensive factor exposure
P0201,Active,Roth,USD,2025-03-25,2145903,131864,2014039,1.0,60.1,24.3,9.8,5.8,AAPL:29.2%;TLT:35.4%;QQQ:35.4%,US:63.2;EU:12.2;APAC:11.4;EM:9.9;Other:3.4,Value:-0.5;Growth:-0.7;Quality:+0.9;Size:+0.5;Momentum:-0.8;LowVol:+0.3,NoDerivatives,5,35,4.9,trailing 8%,151,24.3,Volatile,24.9,4.29,3.2,120,-34,39,55,false,Rebalance,Shift +1% to bonds from equity,31,-13,BrokerA,MKT,87,None,None,Normal monitoring,-3,-47,-26,3,false,Tighten stops on momentum names
P0202,Opportunistic,401k,USD,2025-03-26,543379,35355,508024,1.0,65.7,14.0,12.1,8.2,AAPL:25.6%;IEF:23.2%;VOO:25.6%;AMZN:25.6%,US:63.4;EU:8.2;APAC:17.6;EM:8.5;Other:2.3,Value:-0.6;Growth:+0.7;Quality:-0.5;Size:+0.4;Momentum:+0.1;LowVol:-0.7,,10,35,5.2,trailing 9%,275,25.5,Volatile,20.4,4.55,3.4,161,3,45,66,false,Hedge,Add TLT +1% as duration hedge,28,-29,BrokerC,LMT,90,None,None,Normal monitoring,35,-27,117,5,false,Monitor dispersion and breadth
P0203,Cautious,401k,USD,2025-03-06,400989,63577,337412,1.0,49.3,39.1,0.0,11.6,MSFT:22.8%;BRK.B:8.1%;XLF:22.4%;QQQ:22.8%;AMZN:15.6%;GLD:8.3%,US:72.3;EU:6.7;APAC:9.9;EM:5.9;Other:5.2,Value:-0.2;Growth:-0.2;Quality:-0.7;Size:-0.5;Momentum:-0.2;LowVol:+0.7,ESGOnly;NoMargin,5,30,4.8,trailing 8%,150,19.2,Bull,15.9,4.47,3.2,78,87,92,40,true,Reduce,"Cut high-beta by 2-3%, add cash",18,-2,BrokerB,MKT,100,VAR>budget,Reduce,Risk above budget threshold,-33,-53,-25,2,false,Increase defensive factor exposure
P0204,Cautious,Roth,USD,2024-12-03,317833,42309,275524,1.0,49.3,38.1,0.1,12.6,MSFT:15.3%;BRK.B:10.7%;IEF:20.8%;AAPL:12.4%;HYG:20.8%;AMZN:20.0%,US:62.5;EU:14.0;APAC:10.1;EM:9.5;Other:3.9,Value:+0.4;Growth:-0.5;Quality:-0.7;Size:-0.7;Momentum:-0.8;LowVol:-0.7,MaxPos8%;NoMargin,7,30,5.9,hard 10%,104,13.2,Bull,12.8,3.6,2.2,78,7,44,25,true,Rebalance,Rebalance back to target bands,-4,3,BrokerA,MKT,87,VAR>budget,Hedge,Risk above budget threshold,-3,-59,64,5,false,Monitor dispersion and breadth
P0205,Opportunistic,Trust,USD,2025-09-25,1003949,44097,959852,1.0,71.2,18.2,6.5,4.1,IEF:10.0%;GLD:21.7%;BND:21.7%;AMZN:15.5%;MUB:13.6%;QQQ:17.5%,US:68.9;EU:12.4;APAC:9.7;EM:6.4;Other:2.6,Value:+0.3;Growth:+0.8;Quality:-0.6;Size:-0.4;Momentum:-0.2;LowVol:+0.2,,8,35,4.8,hard 12%,183,21.3,Sideways,20.9,3.82,3.2,107,-6,62,65,false,Rebalance,Shift +1% to bonds from equity,-4,-3,BrokerC,LMT,100,None,None,Normal monitoring,80,0,101,3,false,Tax-aware sells next window
P0206,Hands-off,Trust,USD,2024-12-11,814265,46662,767603,1.0,69.9,24.3,0.0,5.8,BRK.B:24.0%;IEF:25.3%;VTI:25.3%;VOO:25.3%,US:57.6;EU:18.2;APAC:12.8;EM:9.8;Other:1.6,Value:+0.9;Growth:+0.6;Quality:-0.8;Size:+1.0;Momentum:+0.9;LowVol:-0.8,ESGOnly;MaxPos6%,7,30,3.4,trailing 8%,127,19.1,Bull,14.5,4.75,2.2,114,82,93,54,false,Buy,Add to core equity +1%,-9,-35,BrokerB,MKT,86,None,None,Normal monitoring,96,15,82,4,false,Tighten stops on momentum names
P0207,Active,401k,USD,2024-12-29,2114422,131417,1983005,1.0,56.2,18.5,20.3,5.0,QQQ:21.5%;AAPL:39.2%;VTI:39.2%,US:65.6;EU:15.4;APAC:8.7;EM:8.9;Other:1.4,Value:-0.6;Growth:-0.1;Quality:-0.6;Size:-1.0;Momentum:-0.4;LowVol:-0.9,NoDerivatives,5,35,5.2,trailing 8%,149,22.9,Volatile,27.7,3.95,4.4,142,-50,24,77,true,Hedge,Buy index puts 1% notional,29,-2,BrokerA,MKT,90,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-16,4,82,5,false,Tax-aware sells next window
P0208,Active,IRA,USD,2025-03-15,1182807,94131,1088676,1.0,61.7,21.5,8.1,8.7,AAPL:33.3%;IEF:33.3%;XLF:33.3%,US:64.6;EU:17.0;APAC:5.4;EM:10.5;Other:2.5,Value:-0.5;Growth:-0.2;Quality:-0.4;Size:+0.1;Momentum:-0.4;LowVol:+0.9,,8,25,4.4,trailing 8%,195,17.4,Volatile,30.0,4.6,3.8,128,-45,30,86,true,Hedge,Buy index puts 1% notional,-10,-27,BrokerD,LMT,98,VAR>budget,Hedge,Risk above budget threshold,85,-53,136,5,false,Within IPS guidelines
P0209,Hands-off,Roth,USD,2024-10-26,151939,13699,138240,1.0,58.9,25.8,6.9,8.4,TLT:21.3%;GLD:8.1%;QQQ:14.7%;AAPL:16.7%;BRK.B:21.3%;XLF:17.8%,US:64.4;EU:13.1;APAC:9.2;EM:8.7;Other:4.6,Value:+0.2;Growth:+0.7;Quality:-0.3;Size:+0.8;Momentum:+1.0;LowVol:+0.5,,8,30,3.3,hard 10%,113,13.0,Bear,26.7,3.13,2.1,190,-104,5,78,true,Rebalance,Rebalance back to target bands,-3,1,BrokerA,MKT,96,RegimeShift,TightenStops,Volatility spike and breadth deterioration,35,-2,100,5,false,Increase defensive factor exposure
P0210,Cautious,Taxable,USD,2025-01-03,501311,78556,422755,1.0,43.7,30.1,14.1,12.1,BRK.B:22.4%;QQQ:22.4%;MUB:12.6%;BND:20.2%;VOO:22.4%,US:70.4;EU:4.5;APAC:12.1;EM:10.3;Other:2.7,Value:-0.8;Growth:+1.0;Quality:-0.3;Size:0.0;Momentum:-0.4;LowVol:-0.7,MaxPos7%;NoMargin,5,30,4.8,hard 10%,122,16.3,Sideways,21.1,3.65,2.5,110,-18,45,48,true,Reduce,"Cut high-beta by 2-3%, add cash",4,-23,BrokerD,MKT,95,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-34,7,96,5,false,Within IPS guidelines
P0211,Cautious,Taxable,USD,2025-10-11,189758,22812,166946,1.0,39.7,33.1,16.8,10.4,GLD:17.0%;AMZN:22.1%;VOO:30.5%;BND:30.5%,US:67.3;EU:13.6;APAC:12.7;EM:4.7;Other:1.6,Value:-0.6;Growth:+0.4;Quality:-0.2;Size:-0.9;Momentum:+0.4;LowVol:-0.2,ESGOnly;MaxPos6%;NoMargin,8,25,4.3,trailing 8%,91,12.1,Volatile,29.7,4.15,4.5,177,-34,30,67,false,Rebalance,Shift +1% to bonds from equity,6,-7,BrokerA,MKT,93,None,None,Normal monitoring,-4,0,38,5,false,Tighten stops on momentum names
P0212,Hands-off,401k,USD,2025-10-28,545311,24059,521252,1.0,62.3,28.8,0.0,8.9,VOO:15.0%;QQQ:22.6%;VTI:24.7%;BND:13.0%;TSLA:24.7%,US:67.8;EU:15.6;APAC:6.7;EM:8.1;Other:1.8,Value:-0.4;Growth:+1.0;Quality:-0.1;Size:-0.7;Momentum:-0.5;LowVol:-0.4,NoDerivatives,10,25,5.4,trailing 8%,162,18.8,Bear,31.2,3.4,2.6,130,35,76,81,true,Reduce,"Cut high-beta by 2-3%, add cash",3,9,BrokerB,MKT,91,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-2,-58,5,3,false,Tax-aware sells next window
P0213,Cautious,Roth,USD,2025-05-26,846340,75759,770581,1.0,48.6,36.2,0.0,15.2,VNQ:27.3%;VOO:27.3%;MUB:18.1%;BND:27.3%,US:69.4;EU:7.7;APAC:15.9;EM:5.8;Other:1.2,Value:-0.6;Growth:-0.8;Quality:+0.3;Size:+0.6;Momentum:-0.2;LowVol:-0.2,NoMargin,5,35,5.0,trailing 10%,100,17.4,Bull,15.9,4.45,2.0,111,10,47,47,true,Reduce,"Cut high-beta by 2-3%, add cash",5,-12,BrokerC,LMT,88,VAR>budget,Reduce,Risk above budget threshold,-33,-50,102,2,false,Tighten stops on momentum names
P0214,Active,Roth,USD,2025-09-01,1935002,137543,1797459,1.0,62.7,26.3,4.5,6.4,VTI:18.0%;BRK.B:8.8%;XLF:23.0%;MUB:18.6%;MSFT:23.0%;TSLA:8.5%,US:61.9;EU:10.3;APAC:15.4;EM:9.0;Other:3.3,Value:-0.6;Growth:-0.1;Quality:-0.5;Size:0.0;Momentum:-0.8;LowVol:-0.9,MaxPos7%,10,35,4.6,trailing 9%,149,24.8,Sideways,17.0,4.72,3.4,120,-20,51,58,false,Hedge,Add TLT +1% as duration hedge,20,-6,BrokerA,MKT,85,None,None,Normal monitoring,-58,-21,10,4,false,Increase defensive factor exposure
P0215,Active,401k,USD,2024-07-17,2133939,198459,1935480,1.19,61.5,28.4,4.4,5.6,QQQ:24.6%;IEF:29.7%;AMZN:29.7%;MUB:15.9%,US:72.9;EU:6.9;APAC:6.9;EM:10.5;Other:2.8,Value:+0.3;Growth:-0.9;Quality:-0.0;Size:+0.9;Momentum:+0.9;LowVol:+0.6,,8,35,5.3,trailing 8%,146,26.6,Bear,31.3,3.62,1.0,170,-56,16,78,true,Reduce,"Cut high-beta by 2-3%, add cash",-10,-32,BrokerB,LMT,88,RegimeShift,Reduce,Volatility spike and breadth deterioration,-43,2,89,4,false,Monitor dispersion and breadth
P0216,Cautious,IRA,USD,2025-03-04,318355,48158,270197,1.0,43.6,35.6,6.5,14.3,BRK.B:33.3%;XLF:33.3%;GLD:33.3%,US:71.9;EU:8.2;APAC:6.5;EM:9.0;Other:4.5,Value:-0.8;Growth:-0.8;Quality:-0.2;Size:+0.3;Momentum:+0.1;LowVol:-0.1,NoMargin,7,35,4.0,trailing 8%,124,16.0,Bull,16.9,4.84,2.5,102,16,51,39,false,Sell,Trim extended winner -1%,-4,-31,BrokerC,MKT,95,None,None,Normal monitoring,18,-18,21,4,false,Monitor dispersion and breadth
P0217,Cautious,Trust,USD,2025-09-13,814019,68591,745428,1.0,40.5,30.3,13.1,16.1,AAPL:21.8%;QQQ:26.2%;VNQ:27.1%;MSFT:24.9%,US:64.3;EU:9.2;APAC:13.1;EM:9.1;Other:4.3,Value:-0.7;Growth:-0.5;Quality:+0.1;Size:+0.7;Momentum:+0.6;LowVol:-0.8,ESGOnly;NoMargin,8,30,4.6,trailing 8%,105,14.7,Volatile,21.8,4.27,2.5,150,22,56,43,false,Sell,Trim extended winner -1%,-8,-7,BrokerB,LMT,96,None,None,Normal monitoring,-41,2,82,3,false,Within IPS guidelines
P0218,Active,Taxable,USD,2025-02-14,2193751,236299,1957452,1.0,51.2,28.6,14.4,5.8,AAPL:25.9%;TSLA:25.9%;BND:25.9%;HYG:22.3%,US:70.7;EU:7.7;APAC:10.2;EM:6.3;Other:5.1,Value:-1.0;Growth:-0.0;Quality:+0.8;Size:-0.1;Momentum:-0.2;LowVol:-0.3,MaxPos5%,8,25,6.0,hard 12%,188,23.2,Bear,31.9,3.68,1.7,207,-43,40,80,true,Reduce,"Cut high-beta by 2-3%, add cash",13,-3,BrokerB,VWAP,88,VAR>budget,Pause,Risk above budget threshold,-37,3,84,5,false,Within IPS guidelines
P0219,Systematic,Roth,USD,2024-12-02,400828,31398,369430,1.0,65.6,24.9,0.0,9.4,TSLA:25.0%;TLT:25.0%;MUB:25.0%;QQQ:25.0%,US:63.5;EU:10.7;APAC:10.3;EM:11.2;Other:4.4,Value:+0.7;Growth:-0.5;Quality:-0.7;Size:-0.4;Momentum:-0.2;LowVol:+0.1,NoDerivatives,10,30,4.7,trailing 8%,209,24.7,Bull,15.8,3.67,3.2,107,48,83,47,false,Buy,Add to core equity +1%,-9,-10,BrokerD,LMT,92,None,None,Normal monitoring,111,-12,214,4,false,Within IPS guidelines
P0220,Systematic,Taxable,USD,2025-11-05,966922,40811,926111,1.0,63.5,25.7,5.7,5.0,GLD:33.3%;IEF:33.3%;AMZN:33.3%,US:72.4;EU:11.6;APAC:9.7;EM:6.3;Other:0.0,Value:-0.3;Growth:+0.8;Quality:-0.9;Size:-0.7;Momentum:-0.7;LowVol:0.0,MaxPos7%,6,30,4.3,hard 12%,223,16.2,Bull,16.0,4.5,2.4,81,48,69,47,false,Sell,Trim extended winner -1%,12,-37,BrokerB,LMT,89,None,None,Normal monitoring,87,-47,61,5,false,Tax-aware sells next window
P0221,Active,Taxable,USD,2024-09-08,1826638,188398,1638240,1.06,54.0,27.1,13.3,5.7,BRK.B:17.9%;GLD:11.6%;MSFT:17.3%;TLT:16.6%;HYG:16.8%;AMZN:19.8%,US:72.2;EU:11.0;APAC:9.2;EM:6.7;Other:0.9,Value:-0.4;Growth:-0.7;Quality:-0.7;Size:+0.7;Momentum:+0.1;LowVol:+0.5,,7,35,4.5,hard 12%,181,25.4,Bull,16.1,4.09,3.4,105,76,96,41,false,Buy,Add to core equity +1%,-15,-26,BrokerA,MKT,94,None,None,Normal monitoring,109,-31,234,5,false,Tighten stops on momentum names
P0222,Active,Roth,USD,2024-07-14,2142466,249685,1892781,1.25,69.8,24.2,0.2,5.8,VOO:23.9%;MSFT:23.9%;AAPL:23.9%;VNQ:20.2%;IEF:8.1%,US:65.2;EU:6.6;APAC:15.8;EM:7.2;Other:5.2,Value:+0.1;Growth:-0.9;Quality:-0.7;Size:-0.4;Momentum:-0.2;LowVol:-0.2,MaxPos5%;NoDerivatives,10,30,5.4,trailing 8%,146,17.9,Bull,12.3,4.75,3.2,83,82,85,44,false,Hedge,Add TLT +1% as duration hedge,-11,-21,BrokerD,MKT,90,None,None,Normal monitoring,102,-38,185,5,false,Increase defensive factor exposure
P0223,Active,Trust,USD,2025-03-29,557991,53732,504259,1.0,63.3,29.5,0.0,7.2,AMZN:33.3%;HYG:33.3%;GLD:33.3%,US:75.1;EU:6.7;APAC:9.7;EM:7.9;Other:0.6,Value:-0.5;Growth:+0.6;Quality:+0.7;Size:+0.1;Momentum:-0.6;LowVol:+0.2,,6,30,4.5,trailing 9%,139,24.0,Volatile,21.2,5.34,2.9,117,78,97,53,false,Rebalance,Shift +1% to bonds from equity,-2,0,BrokerC,VWAP,87,None,None,Normal monitoring,59,-18,90,4,false,Monitor dispersion and breadth
P0224,Hands-off,IRA,USD,2025-05-19,871331,36437,834894,1.0,69.7,21.4,0.0,8.9,MSFT:13.9%;QQQ:23.6%;TLT:23.6%;VOO:19.7%;TSLA:19.2%,US:59.8;EU:18.1;APAC:9.7;EM:7.1;Other:5.2,Value:+0.5;Growth:+0.2;Quality:-0.8;Size:-0.1;Momentum:-0.7;LowVol:-0.7,MaxPos5%,6,25,5.7,trailing 8%,167,18.4,Bull,12.4,4.29,3.1,82,28,66,38,false,Sell,Trim extended winner -1%,-7,11,BrokerC,LMT,87,None,None,Normal monitoring,75,4,105,5,false,Tax-aware sells next window
P0225,Active,Roth,USD,2025-08-07,541893,55163,486730,1.21,62.3,29.2,0.0,8.6,TLT:20.3%;MUB:17.3%;MSFT:20.0%;VNQ:17.7%;HYG:14.2%;TSLA:10.5%,US:61.9;EU:18.9;APAC:6.1;EM:11.3;Other:1.9,Value:+0.9;Growth:+0.7;Quality:+0.1;Size:-1.0;Momentum:-0.7;LowVol:-0.6,NoDerivatives,7,25,5.3,hard 12%,210,26.0,Bull,12.4,4.14,3.3,112,20,67,36,false,Rebalance,Shift +1% to bonds from equity,27,-16,BrokerD,MKT,86,None,None,Normal monitoring,-53,8,-20,5,false,Tighten stops on momentum names
P0226,Systematic,401k,USD,2024-10-31,548919,30690,518229,1.0,57.7,34.6,1.5,6.2,MUB:33.3%;TLT:33.3%;VOO:33.3%,US:64.5;EU:17.5;APAC:9.6;EM:4.9;Other:3.6,Value:0.0;Growth:-0.4;Quality:-0.8;Size:-0.3;Momentum:-0.7;LowVol:-0.7,MaxPos5%,6,35,5.5,hard 12%,220,16.3,Volatile,25.8,4.03,4.2,154,17,65,65,false,Buy,Add to core equity +1%,-13,-9,BrokerA,LMT,85,None,None,Normal monitoring,85,-52,145,4,false,Tighten stops on momentum names
P0227,Opportunistic,Roth,USD,2025-03-23,804160,40330,763830,1.0,62.1,19.7,11.7,6.5,MSFT:33.3%;IEF:33.3%;AAPL:33.3%,US:61.1;EU:13.5;APAC:11.0;EM:11.3;Other:3.1,Value:+0.4;Growth:0.0;Quality:-0.9;Size:-0.0;Momentum:-0.8;LowVol:+0.2,MaxPos7%,7,25,5.6,trailing 7%,203,22.5,Volatile,20.4,4.43,2.8,110,67,79,49,false,Buy,Add to core equity +1%,2,-26,BrokerC,MKT,96,None,None,Normal monitoring,48,-22,179,5,false,Tax-aware sells next window
P0228,Opportunistic,401k,USD,2024-12-22,1369789,47626,1322163,1.0,68.1,11.1,16.0,4.9,XLF:33.3%;IEF:33.3%;BND:33.3%,US:60.5;EU:14.2;APAC:14.2;EM:7.4;Other:3.8,Value:-0.2;Growth:+0.5;Quality:+0.8;Size:0.0;Momentum:+0.4;LowVol:-0.7,NoDerivatives,6,30,5.2,trailing 9%,217,30.9,Bull,11.9,4.78,2.5,104,52,86,37,true,Hedge,Buy index puts 1% notional,18,10,BrokerC,LMT,93,VAR>budget,Reduce,Risk above budget threshold,-31,-60,61,5,false,Tighten stops on momentum names
P0229,Systematic,Taxable,USD,2025-05-15,1987557,103061,1884496,1.0,65.8,26.3,0.0,8.0,TSLA:25.6%;VOO:25.6%;QQQ:12.8%;AAPL:13.6%;VTI:22.3%,US:74.0;EU:9.5;APAC:8.1;EM:4.7;Other:3.6,Value:-0.3;Growth:-0.9;Quality:-0.4;Size:-0.0;Momentum:-0.1;LowVol:-0.9,MaxPos7%,6,30,4.9,trailing 8%,222,21.9,Sideways,14.2,3.58,3.2,130,41,58,47,false,Rebalance,Shift +1% to bonds from equity,0,-25,BrokerD,VWAP,91,None,None,Normal monitoring,-53,-60,-65,3,false,Monitor dispersion and breadth
P0230,Cautious,IRA,USD,2024-07-12,642535,91706,550829,1.0,39.6,43.3,0.0,17.1,AAPL:16.2%;HYG:18.6%;AMZN:10.6%;QQQ:21.6%;XLF:21.6%;VNQ:11.5%,US:74.5;EU:8.6;APAC:8.3;EM:5.0;Other:3.6,Value:-0.8;Growth:0.0;Quality:+0.1;Size:+0.8;Momentum:+0.1;LowVol:+0.8,MaxPos8%;NoDerivatives;NoMargin,6,35,4.7,trailing 8%,111,18.7,Bull,11.5,4.09,2.0,85,56,63,34,false,Buy,Add to core equity +1%,26,-10,BrokerC,LMT,91,None,None,Normal monitoring,-14,-42,119,5,false,Tighten stops on momentum names
P0231,Opportunistic,Trust,USD,2025-12-26,1205849,63972,1141877,1.0,70.8,17.3,3.3,8.6,MUB:19.3%;IEF:10.1%;XLF:18.4%;TSLA:21.2%;QQQ:21.2%;VTI:9.7%,US:64.7;EU:6.1;APAC:16.3;EM:9.4;Other:3.6,Value:+0.1;Growth:+0.5;Quality:-0.5;Size:-0.7;Momentum:+0.3;LowVol:-0.3,MaxPos6%;NoDerivatives,8,30,4.7,trailing 9%,237,30.0,Sideways,15.4,4.99,3.2,96,-11,46,51,false,Hedge,Add TLT +1% as duration hedge,-2,-40,BrokerA,LMT,96,None,None,Normal monitoring,-22,-30,38,4,false,Increase defensive factor exposure
P0232,Opportunistic,Taxable,USD,2025-11-29,854949,36613,818336,1.16,65.0,19.4,10.6,5.0,HYG:18.8%;AMZN:21.4%;AAPL:11.5%;VNQ:14.2%;BRK.B:12.7%;QQQ:21.4%,US:73.8;EU:6.3;APAC:8.4;EM:6.4;Other:5.1,Value:-0.7;Growth:+0.1;Quality:+0.5;Size:-0.2;Momentum:+0.6;LowVol:+0.9,MaxPos8%;NoDerivatives,6,25,4.9,trailing 7%,249,20.5,Sideways,14.6,4.42,3.4,110,0,58,48,false,Buy,Add to core equity +1%,25,7,BrokerC,MKT,85,None,None,Normal monitoring,-9,-57,4,3,false,Tax-aware sells next window
P0233,Hands-off,Taxable,USD,2025-10-17,188092,16487,171605,1.0,61.5,22.0,11.4,5.1,GLD:33.3%;MSFT:33.3%;BRK.B:33.3%,US:63.7;EU:12.9;APAC:9.6;EM:10.4;Other:3.4,Value:-0.5;Growth:+0.1;Quality:-0.2;Size:+0.8;Momentum:+1.0;LowVol:+0.5,,10,35,5.5,trailing 10%,101,14.5,Volatile,25.7,3.84,3.4,114,17,73,67,true,Reduce,"Cut high-beta by 2-3%, add cash",-11,-40,BrokerD,LMT,96,Drift>tolerance,Reduce,Allocation drift beyond policy bands,63,-11,74,5,false,Within IPS guidelines
P0234,Opportunistic,IRA,USD,2025-01-28,1011559,61535,950024,1.0,70.9,14.9,9.8,4.5,TSLA:19.2%;MUB:21.1%;IEF:21.1%;AAPL:21.1%;VTI:17.3%,US:65.4;EU:17.3;APAC:6.7;EM:10.2;Other:0.4,Value:-0.6;Growth:-0.8;Quality:+0.5;Size:-0.5;Momentum:+0.6;LowVol:-0.6,MaxPos5%;NoDerivatives,5,30,6.0,trailing 7%,166,32.5,Bull,14.9,4.52,3.2,86,50,68,60,false,Sell,Trim extended winner -1%,17,-28,BrokerB,LMT,97,None,None,Normal monitoring,-26,7,68,4,false,Tighten stops on momentum names
P0235,Cautious,Trust,USD,2024-12-16,396691,55889,340802,1.0,36.7,41.4,7.2,14.7,VOO:6.5%;TSLA:18.5%;VTI:21.3%;TLT:21.3%;IEF:11.5%;VNQ:21.0%,US:69.0;EU:14.6;APAC:9.5;EM:6.3;Other:0.6,Value:0.0;Growth:-0.5;Quality:-0.9;Size:-0.3;Momentum:+0.8;LowVol:-0.5,NoMargin,6,25,4.7,trailing 8%,102,13.2,Sideways,20.1,4.09,3.0,138,10,47,42,false,Hedge,Add TLT +1% as duration hedge,-7,-10,BrokerD,MKT,86,None,None,Normal monitoring,35,-17,54,3,false,Tax-aware sells next window
P0236,Cautious,401k,USD,2025-03-09,874441,104491,769950,1.0,46.2,37.2,2.3,14.2,MSFT:26.8%;VOO:26.8%;VTI:19.6%;HYG:26.8%,US:77.3;EU:10.5;APAC:6.1;EM:3.9;Other:2.2,Value:-0.5;Growth:-0.2;Quality:+0.6;Size:-0.5;Momentum:+0.7;LowVol:+1.0,MaxPos7%;NoMargin,7,30,5.4,trailing 8%,149,15.2,Bull,16.8,3.84,3.1,85,35,71,34,false,Buy,Add to core equity +1%,-1,-22,BrokerA,LMT,92,None,None,Normal monitoring,-46,-19,22,3,false,Tax-aware sells next window
P0237,Opportunistic,Roth,USD,2024-08-28,1487514,110973,1376541,1.15,76.9,11.1,6.9,5.2,BND:19.3%;BRK.B:21.7%;GLD:21.7%;TLT:8.4%;MUB:21.7%;MSFT:7.0%,US:78.9;EU:8.3;APAC:6.7;EM:3.6;Other:2.5,Value:+0.5;Growth:+0.2;Quality:-0.8;Size:-0.4;Momentum:+0.3;LowVol:-0.2,NoDerivatives,6,25,4.5,trailing 7%,174,27.4,Bull,12.3,4.99,3.0,74,75,99,56,false,Rebalance,Shift +1% to bonds from equity,8,12,BrokerB,MKT,100,None,None,Normal monitoring,94,13,95,4,false,Within IPS guidelines
P0238,Systematic,Trust,USD,2025-07-21,1775957,151026,1624931,1.0,55.4,29.6,7.0,8.0,QQQ:28.0%;VOO:16.0%;AAPL:28.0%;TSLA:28.0%,US:68.7;EU:17.9;APAC:7.8;EM:5.0;Other:0.5,Value:-0.7;Growth:+0.4;Quality:-0.9;Size:-0.6;Momentum:-0.5;LowVol:+0.7,MaxPos7%;NoDerivatives,7,30,5.8,trailing 8%,223,19.8,Volatile,24.6,4.93,3.7,128,22,75,53,false,NoAction,Within bands; monitor,24,3,BrokerA,MKT,0,None,None,Normal monitoring,62,-12,108,3,false,Tax-aware sells next window
P0239,Cautious,401k,USD,2025-03-12,401216,36264,364952,1.0,46.7,38.3,0.0,15.0,MSFT:33.3%;XLF:33.3%;VOO:33.3%,US:76.7;EU:6.4;APAC:10.5;EM:6.0;Other:0.4,Value:-0.5;Growth:-0.4;Quality:-0.7;Size:-0.2;Momentum:+0.9;LowVol:-0.3,ESGOnly;MaxPos6%;NoMargin,8,35,5.0,hard 10%,94,15.3,Bull,15.1,4.93,2.6,116,45,62,38,false,Hedge,Add TLT +1% as duration hedge,7,-39,BrokerC,LMT,95,None,None,Normal monitoring,12,-54,93,3,false,Tax-aware sells next window
P0240,Hands-off,Roth,USD,2025-01-23,244171,24146,220025,1.0,68.1,26.8,0.0,5.1,AMZN:33.3%;VNQ:33.3%;XLF:33.3%,US:67.7;EU:10.0;APAC:8.8;EM:12.2;Other:1.4,Value:-0.6;Growth:+0.9;Quality:-0.5;Size:+0.2;Momentum:-0.9;LowVol:-0.8,ESGOnly,8,25,3.5,trailing 10%,130,15.8,Volatile,24.6,4.41,3.5,159,73,75,79,true,Hedge,Buy index puts 1% notional,28,7,BrokerA,MKT,92,RegimeShift,Hedge,Volatility spike and breadth deterioration,24,16,123,5,false,Within IPS guidelines
P0241,Opportunistic,Roth,USD,2025-01-12,697789,38655,659134,1.0,61.5,19.6,12.0,6.9,GLD:25.5%;IEF:25.5%;TLT:25.5%;AMZN:23.4%,US:75.1;EU:8.4;APAC:7.9;EM:6.3;Other:2.4,Value:-0.9;Growth:+0.2;Quality:+0.5;Size:-0.1;Momentum:-0.1;LowVol:-0.2,NoDerivatives,6,35,5.8,hard 12%,278,30.0,Volatile,24.9,3.81,2.1,172,-35,46,59,true,Hedge,Buy index puts 1% notional,23,-5,BrokerD,LMT,92,Drift>tolerance,Reduce,Allocation drift beyond policy bands,54,13,126,3,false,Monitor dispersion and breadth
P0242,Opportunistic,Roth,USD,2025-03-01,635895,35366,600529,1.0,63.7,14.0,14.8,7.5,AAPL:33.3%;BND:33.3%;IEF:33.3%,US:67.7;EU:15.4;APAC:5.6;EM:7.4;Other:3.9,Value:-0.9;Growth:+0.9;Quality:+0.8;Size:-0.3;Momentum:+0.9;LowVol:-1.0,MaxPos6%,10,30,5.0,trailing 9%,167,20.9,Sideways,17.3,4.14,2.3,124,42,66,51,false,Sell,Trim extended winner -1%,31,-29,BrokerA,LMT,93,None,None,Normal monitoring,69,18,122,3,false,Within IPS guidelines
P0243,Active,401k,USD,2025-05-31,1740650,173451,1567199,1.0,63.2,27.2,0.0,9.5,GLD:25.7%;VTI:25.7%;QQQ:25.7%;XLF:22.9%,US:69.5;EU:5.6;APAC:10.2;EM:11.1;Other:3.5,Value:-0.2;Growth:+0.7;Quality:+0.5;Size:-0.5;Momentum:-0.9;LowVol:-0.4,MaxPos8%,10,30,4.8,trailing 8%,137,27.4,Volatile,21.8,3.61,2.1,146,45,64,62,false,Rebalance,Shift +1% to bonds from equity,-10,-13,BrokerC,VWAP,89,None,None,Normal monitoring,-49,-10,-17,3,false,Within IPS guidelines
P0244,Systematic,Trust,USD,2025-05-13,1330811,98894,1231917,1.0,64.1,28.6,0.0,7.3,VNQ:21.6%;IEF:11.3%;MSFT:10.0%;TLT:21.6%;BND:14.0%;QQQ:21.6%,US:58.2;EU:19.8;APAC:16.0;EM:3.5;Other:2.6,Value:+0.2;Growth:+0.1;Quality:-0.6;Size:-1.0;Momentum:+0.7;LowVol:+0.3,MaxPos7%,7,25,5.6,trailing 9%,143,23.5,Sideways,19.6,4.12,2.2,139,39,76,58,false,Rebalance,Shift +1% to bonds from equity,35,3,BrokerA,LMT,99,None,None,Normal monitoring,2,-26,77,5,false,Increase defensive factor exposure
P0245,Hands-off,Taxable,USD,2024-12-20,292988,22735,270253,1.0,67.0,23.0,1.2,8.8,MSFT:22.8%;TLT:15.5%;VTI:16.0%;BRK.B:22.8%;XLF:22.8%,US:61.7;EU:12.5;APAC:10.7;EM:12.5;Other:2.6,Value:+0.4;Growth:+0.2;Quality:+0.3;Size:-0.9;Momentum:-0.1;LowVol:-0.3,ESGOnly;MaxPos7%,10,30,3.3,trailing 8%,117,15.6,Volatile,31.4,4.01,2.4,177,25,51,79,true,Hedge,Buy index puts 1% notional,9,8,BrokerD,VWAP,87,VAR>budget,Reduce,Risk above budget threshold,-13,-54,126,4,false,Tax-aware sells next window
P0246,Cautious,Taxable,USD,2024-12-31,365102,42024,323078,1.0,45.2,35.1,2.6,17.0,MUB:23.7%;VNQ:18.5%;XLF:23.7%;MSFT:10.2%;TLT:23.7%,US:59.9;EU:16.6;APAC:11.5;EM:9.4;Other:2.7,Value:-0.7;Growth:+0.1;Quality:-0.1;Size:-0.6;Momentum:-0.4;LowVol:+0.5,ESGOnly;NoDerivatives;NoMargin,5,30,3.4,hard 10%,100,14.0,Sideways,14.5,4.15,2.3,128,-11,55,34,false,Hedge,Add TLT +1% as duration hedge,-13,-19,BrokerC,LMT,97,None,None,Normal monitoring,89,-11,100,4,false,Increase defensive factor exposure
P0247,Active,Roth,USD,2025-03-22,1516688,109734,1406954,1.0,51.6,20.7,22.6,5.1,IEF:22.5%;QQQ:22.5%;TLT:10.0%;GLD:22.5%;VTI:22.5%,US:58.2;EU:20.9;APAC:8.5;EM:9.9;Other:2.3,Value:-0.2;Growth:+0.6;Quality:-0.0;Size:+0.5;Momentum:-0.4;LowVol:+0.3,,8,25,4.1,trailing 9%,223,17.6,Volatile,25.0,4.68,2.7,132,-22,43,55,false,NoAction,Within bands; monitor,2,-12,BrokerB,LMT,91,None,None,Normal monitoring,17,16,10,5,false,Within IPS guidelines
P0248,Cautious,Trust,USD,2025-12-09,272905,40382,232523,1.0,40.6,31.8,10.8,16.8,VNQ:10.5%;BND:23.7%;XLF:23.7%;GLD:18.4%;TSLA:23.7%,US:72.3;EU:11.7;APAC:5.7;EM:8.5;Other:1.8,Value:+0.3;Growth:-0.7;Quality:-0.8;Size:+0.4;Momentum:+0.1;LowVol:-0.2,NoMargin,8,30,4.6,hard 10%,135,18.8,Sideways,20.6,4.58,3.4,103,6,44,43,false,Rebalance,Shift +1% to bonds from equity,3,-26,BrokerB,LMT,86,None,None,Normal monitoring,7,10,80,3,false,Tighten stops on momentum names
P0249,Opportunistic,Taxable,USD,2024-09-13,903956,46045,857911,1.21,70.6,15.9,4.7,8.8,HYG:33.3%;BRK.B:33.3%;MSFT:33.3%,US:64.4;EU:14.1;APAC:10.9;EM:6.8;Other:3.8,Value:0.0;Growth:+0.4;Quality:-1.0;Size:-0.7;Momentum:-0.4;LowVol:-0.2,MaxPos5%,5,25,4.0,trailing 7%,255,22.1,Bull,15.2,3.88,2.1,116,36,75,57,false,Hedge,Add TLT +1% as duration hedge,9,-1,BrokerC,MKT,88,None,None,Normal monitoring,31,-41,23,4,false,Within IPS guidelines
P0250,Active,401k,USD,2025-03-09,1445339,108681,1336658,1.0,59.6,27.6,6.7,6.1,VOO:27.4%;BND:24.2%;AAPL:27.4%;AMZN:21.0%,US:60.6;EU:12.4;APAC:15.5;EM:8.1;Other:3.4,Value:-0.6;Growth:0.0;Quality:+0.5;Size:-0.9;Momentum:+0.3;LowVol:-0.0,MaxPos6%,8,25,4.5,trailing 8%,209,17.9,Volatile,25.4,4.91,2.5,152,12,49,69,false,Rebalance,Shift +1% to bonds from equity,10,-25,BrokerB,VWAP,86,None,None,Normal monitoring,-23,-52,116,3,false,Increase defensive factor exposure
P0251,Systematic,Trust,USD,2025-12-19,1357843,93405,1264438,1.0,65.2,22.0,7.0,5.8,VTI:12.4%;AAPL:19.1%;VOO:20.5%;IEF:13.7%;MUB:19.6%;TSLA:14.7%,US:67.1;EU:11.9;APAC:12.1;EM:6.1;Other:2.9,Value:+0.2;Growth:-0.6;Quality:-0.7;Size:+0.3;Momentum:+0.6;LowVol:-0.7,,8,35,5.3,trailing 9%,122,20.4,Bear,32.1,3.71,1.6,182,-60,35,73,true,Rebalance,Rebalance back to target bands,17,-19,BrokerD,LMT,99,VAR>budget,Hedge,Risk above budget threshold,14,-20,46,3,false,Increase defensive factor exposure
P0252,Active,IRA,USD,2025-12-21,2109628,130686,1978942,1.0,55.8,25.4,10.6,8.1,GLD:22.2%;MUB:11.3%;BRK.B:22.2%;TSLA:22.2%;BND:22.2%,US:69.5;EU:13.3;APAC:6.5;EM:9.8;Other:0.9,Value:-0.5;Growth:+0.5;Quality:-0.0;Size:-0.5;Momentum:-0.4;LowVol:-0.4,MaxPos7%,8,25,5.1,trailing 8%,177,17.4,Bull,11.7,4.81,2.6,70,34,74,26,false,Buy,Add to core equity +1%,11,-35,BrokerB,LMT,87,None,None,Normal monitoring,-42,-3,68,5,false,Within IPS guidelines
P0253,Active,Roth,USD,2025-03-27,789400,61671,727729,1.15,63.8,28.0,0.0,8.2,BRK.B:21.6%;XLF:15.0%;BND:21.6%;AMZN:10.2%;IEF:20.0%;HYG:11.6%,US:70.7;EU:12.0;APAC:7.7;EM:8.4;Other:1.2,Value:+0.4;Growth:-0.3;Quality:+0.8;Size:+0.4;Momentum:-0.6;LowVol:0.0,,5,25,5.8,trailing 8%,206,18.7,Volatile,24.4,5.1,2.7,177,-54,20,77,true,Hedge,Buy index puts 1% notional,33,4,BrokerC,MKT,87,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,89,-32,153,4,false,Increase defensive factor exposure
P0254,Cautious,IRA,USD,2025-03-31,894218,76589,817629,1.0,47.1,37.6,0.0,15.3,MUB:20.6%;VOO:12.7%;VNQ:10.5%;AAPL:13.2%;TSLA:21.5%;QQQ:21.5%,US:77.3;EU:6.4;APAC:10.7;EM:5.0;Other:0.6,Value:+0.2;Growth:+0.4;Quality:+0.1;Size:+0.4;Momentum:+0.8;LowVol:+0.7,NoMargin,8,25,5.7,hard 10%,104,14.7,Bear,28.8,3.98,1.9,212,-41,24,60,false,Buy,Add to core equity +1%,-10,-12,BrokerA,LMT,87,None,None,Normal monitoring,21,-18,81,4,false,Tighten stops on momentum names
P0255,Cautious,Roth,USD,2024-11-27,418743,56818,361925,1.0,44.9,35.3,8.5,11.2,TLT:28.9%;AAPL:13.2%;QQQ:28.9%;BND:28.9%,US:62.1;EU:15.8;APAC:7.0;EM:13.8;Other:1.2,Value:+0.5;Growth:-1.0;Quality:+0.3;Size:-0.7;Momentum:-0.3;LowVol:+0.1,MaxPos6%;NoMargin,10,35,5.2,trailing 8%,141,13.3,Sideways,14.2,4.25,3.0,108,34,73,26,false,Sell,Trim extended winner -1%,4,-35,BrokerA,MKT,94,None,None,Normal monitoring,78,-24,206,4,false,Tighten stops on momentum names
P0256,Cautious,Taxable,USD,2025-05-12,640493,83914,556579,1.0,41.3,33.3,9.4,16.0,TLT:20.8%;VNQ:22.8%;BND:12.8%;BRK.B:22.8%;VOO:20.7%,US:67.1;EU:17.5;APAC:8.2;EM:6.4;Other:0.8,Value:-0.5;Growth:+0.9;Quality:+0.8;Size:-0.4;Momentum:+0.3;LowVol:+0.2,MaxPos6%;NoMargin,6,25,4.4,trailing 8%,134,13.0,Bull,17.6,3.88,2.6,92,90,100,34,true,Hedge,Buy index puts 1% notional,7,1,BrokerA,LMT,86,VAR>budget,TightenStops,Risk above budget threshold,113,-55,176,5,false,Within IPS guidelines
P0257,Opportunistic,Trust,USD,2025-07-05,1187543,39643,1147900,1.0,71.5,12.7,9.3,6.5,TSLA:8.2%;VTI:13.2%;AMZN:20.6%;GLD:19.2%;MSFT:18.3%;BND:20.6%,US:58.0;EU:13.9;APAC:13.9;EM:9.8;Other:4.4,Value:+0.8;Growth:-1.0;Quality:-1.0;Size:+0.9;Momentum:-0.4;LowVol:+0.3,NoDerivatives,5,25,4.8,trailing 7%,243,20.1,Bear,27.5,3.12,2.8,198,-74,16,69,false,Buy,Add to core equity +1%,35,15,BrokerA,LMT,89,None,None,Normal monitoring,1,-44,41,4,false,Tighten stops on momentum names
P0258,Active,401k,USD,2025-03-20,2499976,256336,2243640,1.0,55.4,24.0,13.5,7.1,TLT:20.8%;AAPL:12.2%;VOO:15.5%;BND:16.7%;TSLA:19.8%;MUB:15.1%,US:65.1;EU:16.3;APAC:8.1;EM:7.1;Other:3.4,Value:+1.0;Growth:-0.0;Quality:-0.6;Size:-0.8;Momentum:-0.1;LowVol:+0.6,NoDerivatives,10,25,4.5,trailing 8%,209,24.4,Volatile,20.9,4.36,2.7,177,7,46,65,false,Rebalance,Shift +1% to bonds from equity,-8,-21,BrokerA,MKT,92,None,None,Normal monitoring,49,11,153,3,false,Tighten stops on momentum names
P0259,Opportunistic,Roth,USD,2025-09-29,658791,50825,607966,1.07,60.6,11.7,19.3,8.5,TSLA:19.1%;VTI:10.2%;MSFT:23.6%;QQQ:23.6%;BRK.B:23.6%,US:71.4;EU:8.0;APAC:12.4;EM:5.3;Other:2.8,Value:+0.4;Growth:+0.4;Quality:+0.5;Size:-0.6;Momentum:+1.0;LowVol:-0.1,,7,30,5.0,trailing 7%,237,32.3,Bull,13.9,4.24,2.6,79,20,57,34,false,Rebalance,Shift +1% to bonds from equity,-2,-40,BrokerD,VWAP,86,None,None,Normal monitoring,96,-54,222,4,false,Within IPS guidelines
P0260,Active,401k,USD,2024-07-08,741970,87519,654451,1.0,62.2,28.2,4.5,5.1,HYG:33.3%;BND:33.3%;GLD:33.3%,US:66.0;EU:13.0;APAC:10.2;EM:9.5;Other:1.4,Value:+0.3;Growth:+0.8;Quality:+0.5;Size:+1.0;Momentum:-0.1;LowVol:-0.4,NoDerivatives,6,35,5.1,hard 12%,188,22.8,Bull,12.7,3.59,2.5,89,77,91,38,false,Rebalance,Shift +1% to bonds from equity,13,12,BrokerB,LMT,90,None,None,Normal monitoring,52,-47,25,4,false,Tighten stops on momentum names
P0261,Cautious,Taxable,USD,2024-11-13,810082,109554,700528,1.0,45.4,42.1,0.0,12.5,BRK.B:33.3%;VOO:33.3%;XLF:33.3%,US:56.7;EU:17.9;APAC:12.3;EM:10.8;Other:2.3,Value:0.0;Growth:-0.5;Quality:-0.9;Size:+0.8;Momentum:+0.5;LowVol:-0.1,ESGOnly;MaxPos8%;NoDerivatives;NoMargin,6,25,4.2,hard 10%,158,18.0,Volatile,30.8,5.43,2.7,152,17,64,71,true,Hedge,Buy index puts 1% notional,25,-17,BrokerC,MKT,96,Drift>tolerance,Pause,Allocation drift beyond policy bands,63,-16,119,5,false,Monitor dispersion and breadth
P0262,Systematic,Roth,USD,2025-10-08,1391067,86860,1304207,1.0,60.8,27.4,4.7,7.1,VNQ:17.6%;QQQ:16.8%;HYG:20.8%;VOO:11.3%;VTI:13.5%;TSLA:19.9%,US:71.8;EU:6.6;APAC:11.4;EM:7.2;Other:3.0,Value:+1.0;Growth:+0.3;Quality:0.0;Size:+0.8;Momentum:-0.7;LowVol:-0.7,,5,25,4.1,hard 12%,159,20.2,Volatile,31.6,4.35,4.1,179,38,57,78,true,Rebalance,Rebalance back to target bands,22,-35,BrokerC,LMT,87,VAR>budget,Reduce,Risk above budget threshold,-49,-6,-21,3,false,Within IPS guidelines
P0263,Systematic,Roth,USD,2025-12-02,1691149,114645,1576504,1.0,62.7,31.3,0.0,5.9,MSFT:18.1%;AAPL:10.3%;HYG:19.8%;QQQ:20.8%;BRK.B:17.5%;TSLA:13.6%,US:77.1;EU:6.0;APAC:9.8;EM:6.2;Other:0.9,Value:+1.0;Growth:+0.7;Quality:+0.9;Size:-0.1;Momentum:-0.3;LowVol:-0.7,,7,25,5.4,trailing 9%,152,25.7,Volatile,22.1,5.32,2.6,172,78,88,56,false,Buy,Add to core equity +1%,31,-21,BrokerC,LMT,89,None,None,Normal monitoring,28,16,94,4,false,Monitor dispersion and breadth
P0264,Systematic,Roth,USD,2025-08-11,963802,77800,886002,1.0,56.1,29.2,7.3,7.4,MSFT:34.2%;QQQ:31.5%;TLT:34.2%,US:69.0;EU:11.5;APAC:11.1;EM:4.5;Other:3.9,Value:0.0;Growth:-1.0;Quality:+0.2;Size:-0.9;Momentum:+0.9;LowVol:0.0,NoDerivatives,7,25,5.3,trailing 8%,185,26.1,Bull,11.2,4.2,2.2,98,114,100,32,false,Rebalance,Shift +1% to bonds from equity,-9,-7,BrokerD,LMT,86,None,None,Normal monitoring,114,-38,232,4,false,Within IPS guidelines
P0265,Active,Roth,USD,2024-12-20,2359546,255844,2103702,1.0,54.5,26.1,14.3,5.0,VTI:21.5%;BRK.B:21.5%;VNQ:9.3%;TLT:15.4%;MUB:10.9%;HYG:21.5%,US:70.3;EU:10.4;APAC:11.3;EM:6.7;Other:1.3,Value:-0.2;Growth:+0.7;Quality:-0.9;Size:-0.2;Momentum:+0.6;LowVol:+0.8,,6,25,4.4,hard 12%,170,26.2,Bull,12.9,4.26,3.4,90,75,79,30,false,NoAction,Within bands; monitor,18,-29,BrokerC,LMT,96,None,None,Normal monitoring,41,10,22,4,false,Monitor dispersion and breadth
P0266,Hands-off,Roth,USD,2025-02-16,612447,59820,552627,1.0,56.0,26.4,11.4,6.2,QQQ:19.3%;GLD:26.9%;AMZN:26.9%;HYG:26.9%,US:64.9;EU:7.1;APAC:14.5;EM:8.8;Other:4.8,Value:-0.2;Growth:+0.2;Quality:-0.3;Size:0.0;Momentum:+0.1;LowVol:+0.8,MaxPos8%,8,35,3.1,trailing 8%,123,18.1,Volatile,27.7,4.91,3.2,135,-38,24,74,true,Hedge,Buy index puts 1% notional,1,5,BrokerC,MKT,94,RegimeShift,Pause,Volatility spike and breadth deterioration,-58,15,-37,5,false,Tighten stops on momentum names
P0267,Systematic,Taxable,USD,2025-06-25,1856360,108059,1748301,1.0,60.5,26.8,3.8,8.9,IEF:9.0%;XLF:24.0%;VNQ:24.0%;AAPL:18.9%;MUB:24.0%,US:68.6;EU:16.8;APAC:8.4;EM:4.2;Other:2.0,Value:-0.1;Growth:-0.8;Quality:+0.8;Size:-1.0;Momentum:+0.3;LowVol:-0.5,,7,35,4.0,trailing 8%,140,26.8,Sideways,20.2,3.79,3.0,120,49,77,51,false,Buy,Add to core equity +1%,17,-8,BrokerD,VWAP,95,None,None,Normal monitoring,52,-10,35,5,false,Increase defensive factor exposure
P0268,Active,Trust,USD,2025-11-19,664461,44559,619902,1.19,61.7,31.3,0.0,7.0,VOO:18.1%;QQQ:22.6%;HYG:22.6%;AAPL:20.5%;TSLA:16.2%,US:61.7;EU:17.1;APAC:7.4;EM:10.3;Other:3.6,Value:-0.7;Growth:-1.0;Quality:+0.7;Size:+0.4;Momentum:-0.9;LowVol:-0.7,NoDerivatives,8,25,5.6,trailing 8%,225,19.5,Volatile,21.4,4.44,3.6,113,18,66,56,false,Buy,Add to core equity +1%,10,-17,BrokerD,VWAP,96,None,None,Normal monitoring,47,3,159,5,false,Increase defensive factor exposure
P0269,Systematic,401k,USD,2025-06-04,447822,33152,414670,1.0,55.3,21.3,13.6,9.9,XLF:34.8%;VOO:30.5%;VNQ:34.8%,US:65.7;EU:14.9;APAC:12.3;EM:6.6;Other:0.5,Value:+0.1;Growth:-0.6;Quality:-1.0;Size:-0.5;Momentum:+0.7;LowVol:+0.7,,10,35,5.4,hard 12%,209,27.3,Volatile,20.0,4.59,3.8,178,15,42,62,false,Buy,Add to core equity +1%,9,-4,BrokerC,MKT,99,None,None,Normal monitoring,16,16,149,4,false,Monitor dispersion and breadth
P0270,Active,401k,USD,2025-10-25,2075337,189528,1885809,1.0,69.1,25.8,0.0,5.2,MSFT:25.3%;IEF:24.2%;QQQ:25.3%;BRK.B:25.3%,US:63.4;EU:14.7;APAC:10.5;EM:7.1;Other:4.3,Value:+0.3;Growth:+0.2;Quality:-0.9;Size:-0.8;Momentum:+0.3;LowVol:+0.8,,7,30,4.1,hard 12%,202,21.6,Bull,15.2,4.81,2.8,102,2,43,45,true,Reduce,"Cut high-beta by 2-3%, add cash",11,-36,BrokerA,MKT,87,VAR>budget,TightenStops,Risk above budget threshold,13,-15,125,2,false,Increase defensive factor exposure
P0271,Cautious,401k,USD,2024-10-07,151457,15783,135674,1.0,49.3,32.1,8.6,10.0,VTI:21.1%;VNQ:17.3%;MSFT:10.9%;TSLA:12.4%;TLT:17.2%;HYG:21.1%,US:70.9;EU:16.8;APAC:5.0;EM:4.5;Other:2.8,Value:+0.6;Growth:-0.5;Quality:-0.0;Size:-0.5;Momentum:+0.1;LowVol:+0.3,MaxPos6%;NoMargin,7,35,4.1,trailing 8%,149,14.0,Volatile,29.2,4.77,2.0,116,-39,33,62,false,Rebalance,Shift +1% to bonds from equity,-13,1,BrokerA,VWAP,86,None,None,Normal monitoring,-46,-8,-81,4,false,Monitor dispersion and breadth
P0272,Cautious,Taxable,USD,2025-01-11,824213,105385,718828,1.0,35.8,38.5,12.5,13.2,BND:9.6%;XLF:20.3%;IEF:8.3%;QQQ:19.5%;TSLA:21.2%;MSFT:21.2%,US:61.1;EU:11.8;APAC:15.9;EM:10.0;Other:1.2,Value:+0.8;Growth:-0.6;Quality:+0.5;Size:-0.6;Momentum:-0.4;LowVol:-0.4,ESGOnly;NoMargin,10,30,3.8,hard 10%,112,12.9,Bull,13.9,3.61,2.4,73,39,83,24,false,Sell,Trim extended winner -1%,5,9,BrokerA,LMT,91,None,None,Normal monitoring,76,-25,48,4,false,Increase defensive factor exposure
P0273,Opportunistic,IRA,USD,2025-10-18,1349196,77373,1271823,1.12,73.0,10.0,10.5,6.5,AAPL:25.9%;MSFT:25.9%;QQQ:22.4%;TLT:25.9%,US:62.3;EU:15.9;APAC:9.2;EM:11.1;Other:1.5,Value:+0.3;Growth:+0.3;Quality:+1.0;Size:+0.9;Momentum:-0.4;LowVol:-1.0,,10,35,6.4,trailing 9%,184,21.2,Bear,30.2,3.09,2.5,152,10,56,80,true,Hedge,Buy index puts 1% notional,-13,-34,BrokerC,LMT,89,VAR>budget,Reduce,Risk above budget threshold,-35,3,6,5,true,Tax-aware sells next window
P0274,Cautious,IRA,USD,2024-11-28,593632,56252,537380,1.0,36.7,44.7,4.6,14.0,TLT:33.3%;TSLA:33.3%;IEF:33.3%,US:64.9;EU:7.7;APAC:12.1;EM:12.0;Other:3.4,Value:+1.0;Growth:-0.1;Quality:-1.0;Size:+0.2;Momentum:+0.6;LowVol:+1.0,ESGOnly;NoMargin,7,30,4.1,trailing 8%,141,19.2,Bull,13.2,4.31,2.7,111,60,79,24,false,Buy,Add to core equity +1%,-5,3,BrokerB,VWAP,88,None,None,Normal monitoring,10,-24,82,4,false,Increase defensive factor exposure
P0275,Opportunistic,Trust,USD,2025-11-11,1531510,63662,1467848,1.21,72.0,19.5,0.7,7.8,BRK.B:12.4%;MSFT:18.3%;XLF:26.5%;AAPL:16.4%;BND:26.5%,US:56.8;EU:13.7;APAC:15.4;EM:11.2;Other:3.0,Value:0.0;Growth:-0.2;Quality:+0.6;Size:+0.8;Momentum:-0.4;LowVol:+0.4,NoDerivatives,7,35,4.5,trailing 7%,203,33.1,Bull,13.3,3.72,3.2,80,48,74,47,false,Rebalance,Shift +1% to bonds from equity,15,7,BrokerB,VWAP,98,None,None,Normal monitoring,87,-39,165,4,false,Tax-aware sells next window
P0276,Opportunistic,401k,USD,2025-08-07,584666,36934,547732,1.0,64.5,14.7,12.4,8.4,VOO:28.7%;VNQ:13.9%;XLF:28.7%;IEF:28.7%,US:68.8;EU:12.9;APAC:8.4;EM:5.5;Other:4.4,Value:+0.1;Growth:+0.2;Quality:-0.4;Size:+0.9;Momentum:-0.2;LowVol:+0.8,MaxPos8%,5,35,6.9,hard 12%,264,32.1,Volatile,25.6,5.32,3.9,130,-32,21,64,false,Buy,Add to core equity +1%,10,-13,BrokerA,MKT,91,None,None,Normal monitoring,51,6,118,3,false,Monitor dispersion and breadth
P0277,Active,Taxable,USD,2025-01-22,1088169,109469,978700,1.0,56.6,21.8,15.4,6.2,XLF:16.3%;AAPL:20.1%;HYG:9.9%;VTI:20.7%;BND:20.7%;QQQ:12.4%,US:66.9;EU:18.4;APAC:7.2;EM:5.6;Other:1.9,Value:+0.2;Growth:-0.7;Quality:-0.4;Size:+1.0;Momentum:-0.2;LowVol:+0.3,,5,35,4.1,hard 12%,140,26.5,Sideways,21.7,4.77,2.8,113,1,49,48,true,Reduce,"Cut high-beta by 2-3%, add cash",-2,-25,BrokerC,LMT,90,Drift>tolerance,Hedge,Allocation drift beyond policy bands,108,-43,128,5,false,Monitor dispersion and breadth
P0278,Cautious,Taxable,USD,2024-08-05,639399,57411,581988,1.0,49.2,35.4,0.0,15.4,VTI:25.8%;MSFT:25.8%;AMZN:25.8%;HYG:22.6%,US:68.7;EU:12.3;APAC:14.7;EM:4.3;Other:0.0,Value:-0.6;Growth:+0.9;Quality:-0.7;Size:+0.5;Momentum:+0.5;LowVol:+0.9,NoMargin,8,35,5.6,hard 10%,160,16.8,Bull,16.0,4.98,3.0,113,30,55,43,false,Rebalance,Shift +1% to bonds from equity,1,-16,BrokerB,MKT,97,None,None,Normal monitoring,-23,-33,88,4,false,Tax-aware sells next window
P0279,Hands-off,IRA,USD,2025-06-28,218478,11165,207313,1.0,59.6,20.2,10.9,9.4,BND:20.0%;MUB:22.2%;BRK.B:11.8%;AMZN:23.0%;TLT:23.0%,US:75.7;EU:12.6;APAC:6.3;EM:4.0;Other:1.5,Value:-0.9;Growth:+0.8;Quality:+0.7;Size:-0.6;Momentum:+0.5;LowVol:-0.8,MaxPos5%,5,35,4.9,trailing 8%,154,14.8,Volatile,24.6,4.32,2.3,112,48,85,61,false,Rebalance,Shift +1% to bonds from equity,14,0,BrokerA,MKT,88,None,None,Normal monitoring,-60,5,27,5,false,Within IPS guidelines
P0280,Hands-off,401k,USD,2024-11-27,229673,16827,212846,1.0,62.7,28.8,2.8,5.7,HYG:23.9%;AMZN:23.9%;VTI:11.1%;BRK.B:19.9%;VNQ:21.1%,US:67.4;EU:11.4;APAC:9.2;EM:8.7;Other:3.4,Value:-0.1;Growth:0.0;Quality:+0.9;Size:-0.5;Momentum:+0.9;LowVol:-0.8,,10,30,4.9,trailing 10%,113,17.5,Sideways,20.2,4.19,2.9,121,31,75,48,false,Rebalance,Shift +1% to bonds from equity,-7,-1,BrokerB,LMT,85,None,None,Normal monitoring,52,-3,165,5,false,Monitor dispersion and breadth
P0281,Cautious,Roth,USD,2025-05-01,412609,38372,374237,1.0,52.9,33.0,1.5,12.6,VNQ:34.2%;XLF:31.7%;TLT:34.2%,US:60.8;EU:13.1;APAC:15.0;EM:10.0;Other:1.0,Value:+0.9;Growth:-0.3;Quality:+0.2;Size:-0.8;Momentum:-0.2;LowVol:+0.1,ESGOnly;MaxPos8%;NoMargin,6,30,4.7,hard 10%,127,14.5,Bull,17.1,4.03,2.6,87,97,90,39,false,Sell,Trim extended winner -1%,18,-29,BrokerB,MKT,92,None,None,Normal monitoring,-21,-51,-54,5,false,Tax-aware sells next window
P0282,Hands-off,Roth,USD,2024-11-30,890114,83192,806922,1.0,63.7,28.1,0.0,8.2,HYG:17.8%;VNQ:9.5%;VOO:20.1%;IEF:16.8%;MUB:18.4%;BRK.B:17.4%,US:68.2;EU:14.0;APAC:6.7;EM:7.0;Other:4.1,Value:+0.9;Growth:+0.7;Quality:+0.7;Size:-0.7;Momentum:-0.8;LowVol:+0.9,ESGOnly,5,30,3.6,trailing 8%,96,15.4,Sideways,18.7,4.06,2.9,131,-11,55,46,false,Buy,Add to core equity +1%,16,-6,BrokerA,LMT,93,None,None,Normal monitoring,26,7,76,5,false,Tax-aware sells next window
P0283,Active,Trust,USD,2024-10-08,2186371,246400,1939971,1.23,55.2,31.2,4.8,8.8,MSFT:18.2%;IEF:10.1%;AMZN:15.4%;HYG:18.4%;BRK.B:19.8%;TSLA:18.0%,US:60.0;EU:20.1;APAC:11.1;EM:6.7;Other:2.1,Value:-0.5;Growth:-0.2;Quality:+0.6;Size:+0.5;Momentum:+0.6;LowVol:+0.8,NoDerivatives,6,35,4.3,hard 12%,223,27.6,Volatile,28.0,4.68,2.0,178,-25,43,75,true,Hedge,Buy index puts 1% notional,9,-34,BrokerB,MKT,94,RegimeShift,Hedge,Volatility spike and breadth deterioration,66,-19,165,2,false,Tighten stops on momentum names
P0284,Opportunistic,401k,USD,2025-07-27,1050317,85714,964603,1.0,72.8,14.6,7.8,4.8,GLD:11.8%;HYG:21.8%;AMZN:22.8%;XLF:22.8%;TSLA:20.8%,US:65.8;EU:12.1;APAC:10.5;EM:7.4;Other:4.2,Value:-0.1;Growth:+0.6;Quality:+0.2;Size:-0.1;Momentum:-0.2;LowVol:-0.1,NoDerivatives,7,30,5.0,hard 12%,273,23.4,Sideways,21.5,4.17,2.1,119,-26,47,69,true,Rebalance,Rebalance back to target bands,33,-39,BrokerC,MKT,86,VAR>budget,Hedge,Risk above budget threshold,76,-15,99,4,false,Tighten stops on momentum names
P0285,Hands-off,IRA,USD,2025-10-06,523322,30968,492354,1.0,55.0,27.7,10.0,7.3,VOO:25.7%;VTI:25.7%;BND:25.7%;IEF:23.0%,US:70.4;EU:11.0;APAC:8.0;EM:7.6;Other:3.0,Value:-0.6;Growth:-0.7;Quality:+0.1;Size:-0.2;Momentum:-0.8;LowVol:+0.4,ESGOnly;MaxPos7%,5,35,4.4,hard 10%,136,15.6,Sideways,16.4,3.67,3.1,97,-9,35,53,false,Rebalance,Shift +1% to bonds from equity,26,-17,BrokerC,VWAP,95,None,None,Normal monitoring,15,-9,119,5,false,Tighten stops on momentum names
P0286,Opportunistic,Trust,USD,2025-02-23,428306,23823,404483,1.0,68.8,12.1,13.9,5.2,MUB:9.0%;MSFT:22.2%;IEF:7.7%;VOO:16.7%;GLD:22.2%;BND:22.2%,US:65.9;EU:15.3;APAC:7.4;EM:7.8;Other:3.5,Value:-0.6;Growth:-0.2;Quality:-0.4;Size:-0.1;Momentum:-0.1;LowVol:-1.0,MaxPos8%,10,30,5.4,trailing 9%,203,21.2,Sideways,18.5,4.31,2.7,102,51,70,63,false,Sell,Trim extended winner -1%,-7,-6,BrokerC,LMT,93,None,None,Normal monitoring,110,-49,179,4,false,Tighten stops on momentum names
P0287,Hands-off,401k,USD,2025-08-11,252196,16804,235392,1.0,69.8,19.0,4.9,6.3,IEF:33.3%;VTI:33.3%;TLT:33.3%,US:67.8;EU:6.3;APAC:12.4;EM:9.9;Other:3.6,Value:+0.9;Growth:0.0;Quality:-0.5;Size:+0.3;Momentum:-0.1;LowVol:+0.2,ESGOnly;MaxPos8%,10,25,5.7,trailing 8%,101,13.2,Sideways,18.4,4.79,3.4,90,1,36,48,false,Buy,Add to core equity +1%,-6,-34,BrokerA,VWAP,94,None,None,Normal monitoring,-2,-56,-21,5,false,Within IPS guidelines
P0288,Active,Taxable,USD,2025-12-15,1135523,130820,1004703,1.0,59.5,29.7,4.8,6.1,MSFT:13.0%;AMZN:18.4%;QQQ:14.1%;BND:12.8%;VTI:20.8%;TLT:20.8%,US:70.9;EU:13.5;APAC:5.8;EM:6.2;Other:3.6,Value:+0.9;Growth:+0.9;Quality:+1.0;Size:-0.8;Momentum:-0.2;LowVol:+0.2,MaxPos6%,8,30,5.9,trailing 8%,207,21.7,Volatile,20.3,4.24,2.3,165,-27,38,57,true,Reduce,"Cut high-beta by 2-3%, add cash",-5,-33,BrokerB,MKT,87,VAR>budget,Reduce,Risk above budget threshold,3,5,34,4,true,Monitor dispersion and breadth
P0289,Hands-off,Taxable,USD,2025-11-22,642331,52587,589744,1.0,56.7,23.3,13.3,6.6,MSFT:31.3%;TLT:36.3%;AAPL:32.4%,US:68.3;EU:10.2;APAC:11.0;EM:9.7;Other:0.9,Value:-0.6;Growth:+0.7;Quality:-0.7;Size:-0.6;Momentum:+0.5;LowVol:+0.8,NoDerivatives,6,25,5.1,trailing 10%,93,14.1,Bull,13.3,3.78,3.1,77,97,87,44,false,Buy,Add to core equity +1%,28,14,BrokerB,LMT,95,None,None,Normal monitoring,50,-15,71,4,false,Within IPS guidelines
P0290,Hands-off,Roth,USD,2025-09-28,802133,71148,730985,1.0,65.9,27.5,0.0,6.6,TLT:16.7%;VOO:19.6%;GLD:18.8%;QQQ:22.4%;BND:22.4%,US:70.4;EU:9.0;APAC:12.7;EM:4.4;Other:3.4,Value:+0.6;Growth:+0.8;Quality:-0.6;Size:+0.8;Momentum:+0.9;LowVol:+0.6,,10,25,4.2,trailing 8%,170,12.1,Bull,17.2,4.66,2.1,86,21,60,62,false,Sell,Trim extended winner -1%,35,10,BrokerB,MKT,85,None,None,Normal monitoring,29,19,109,5,false,Increase defensive factor exposure
P0291,Systematic,Trust,USD,2025-03-01,751993,40208,711785,1.0,60.6,22.3,10.3,6.8,QQQ:24.9%;BRK.B:16.6%;VTI:22.1%;IEF:24.9%;MSFT:11.4%,US:66.4;EU:16.1;APAC:9.5;EM:5.2;Other:2.8,Value:0.0;Growth:+0.6;Quality:-0.3;Size:-0.4;Momentum:0.0;LowVol:-0.4,,7,35,4.4,trailing 9%,187,22.8,Bull,14.9,3.58,2.4,111,26,61,41,false,Hedge,Add TLT +1% as duration hedge,18,-12,BrokerC,MKT,92,None,None,Normal monitoring,-21,-43,69,4,false,Within IPS guidelines
P0292,Opportunistic,Taxable,USD,2025-03-11,542901,36926,505975,1.07,71.9,19.1,1.2,7.8,MUB:38.4%;TSLA:23.2%;GLD:38.4%,US:61.3;EU:15.7;APAC:12.0;EM:8.9;Other:2.1,Value:+0.9;Growth:+0.7;Quality:-0.3;Size:-0.9;Momentum:+0.9;LowVol:+0.3,MaxPos8%,10,35,4.0,trailing 7%,231,25.9,Volatile,31.2,5.03,3.7,121,37,69,78,true,Hedge,Buy index puts 1% notional,11,-8,BrokerD,VWAP,93,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,8,-21,32,2,false,Monitor dispersion and breadth
P0293,Opportunistic,Trust,USD,2025-02-16,1542034,108820,1433214,1.0,62.7,16.6,14.0,6.7,GLD:18.2%;AMZN:20.9%;BND:20.9%;VTI:12.4%;IEF:6.8%;MSFT:20.9%,US:77.5;EU:9.0;APAC:7.6;EM:5.8;Other:0.1,Value:+0.4;Growth:+0.3;Quality:-0.9;Size:-0.5;Momentum:0.0;LowVol:+0.2,MaxPos6%,6,25,4.9,trailing 9%,254,30.8,Sideways,15.9,3.69,2.6,131,43,59,49,false,Rebalance,Shift +1% to bonds from equity,-14,5,BrokerB,MKT,95,None,None,Normal monitoring,11,11,74,3,false,Tighten stops on momentum names
P0294,Hands-off,Trust,USD,2025-09-28,563372,25499,537873,1.0,61.1,28.9,0.4,9.6,AAPL:36.4%;MSFT:36.4%;XLF:27.2%,US:63.2;EU:12.5;APAC:11.5;EM:8.5;Other:4.3,Value:-0.8;Growth:+0.5;Quality:+0.7;Size:+0.4;Momentum:+0.5;LowVol:-0.7,ESGOnly,10,30,5.7,trailing 8%,168,13.1,Volatile,29.0,4.6,3.2,172,4,62,66,false,Rebalance,Shift +1% to bonds from equity,4,-36,BrokerB,LMT,86,None,None,Normal monitoring,-5,-5,37,4,false,Within IPS guidelines
P0295,Systematic,401k,USD,2025-11-15,864604,73230,791374,1.0,59.1,26.6,7.2,7.2,HYG:33.3%;AAPL:33.3%;AMZN:33.3%,US:71.9;EU:10.9;APAC:12.7;EM:4.5;Other:0.0,Value:+0.1;Growth:+0.9;Quality:0.0;Size:-0.4;Momentum:+0.3;LowVol:+0.6,MaxPos8%,8,30,4.2,hard 12%,148,16.8,Bear,28.2,3.02,1.5,215,-12,36,74,true,Reduce,"Cut high-beta by 2-3%, add cash",18,-9,BrokerB,MKT,96,VAR>budget,Hedge,Risk above budget threshold,93,5,129,5,false,Tax-aware sells next window
P0296,Active,Taxable,USD,2025-04-11,1787431,145304,1642127,1.0,64.5,20.9,7.9,6.6,AAPL:25.9%;VTI:24.0%;GLD:24.3%;BRK.B:25.9%,US:63.0;EU:14.2;APAC:12.3;EM:10.1;Other:0.3,Value:+0.9;Growth:-0.2;Quality:-0.4;Size:+0.2;Momentum:+0.8;LowVol:-0.4,MaxPos7%,7,35,4.1,trailing 8%,129,22.1,Bull,13.4,3.87,2.6,84,48,81,37,false,Buy,Add to core equity +1%,10,13,BrokerB,MKT,95,None,None,Normal monitoring,82,3,125,3,false,Increase defensive factor exposure
P0297,Opportunistic,Trust,USD,2024-07-07,1711966,128959,1583007,1.0,68.9,11.5,11.6,7.9,AMZN:22.7%;XLF:21.0%;GLD:11.0%;MUB:22.7%;QQQ:22.7%,US:68.8;EU:13.3;APAC:13.3;EM:4.2;Other:0.5,Value:-0.8;Growth:+0.4;Quality:+0.9;Size:-0.7;Momentum:-0.7;LowVol:-0.9,,10,35,6.6,trailing 7%,217,33.9,Volatile,25.9,4.7,4.0,161,67,77,69,false,Hedge,Add TLT +1% as duration hedge,16,-18,BrokerC,MKT,94,None,None,Normal monitoring,-9,-16,99,4,false,Within IPS guidelines
P0298,Systematic,Taxable,USD,2024-09-13,1548971,150942,1398029,1.0,58.9,29.8,1.5,9.9,BND:19.5%;MUB:25.4%;XLF:12.5%;HYG:17.2%;GLD:25.4%,US:74.1;EU:10.2;APAC:11.7;EM:3.8;Other:0.1,Value:+0.7;Growth:+0.2;Quality:+0.1;Size:-0.2;Momentum:+0.2;LowVol:-0.4,,10,25,5.0,trailing 9%,166,28.0,Sideways,16.9,4.0,2.9,139,48,85,52,false,Sell,Trim extended winner -1%,-14,-1,BrokerC,MKT,98,None,None,Normal monitoring,120,-27,155,5,false,Monitor dispersion and breadth
P0299,Hands-off,IRA,USD,2025-02-02,409839,20707,389132,1.0,70.7,23.2,0.0,6.1,TLT:33.3%;VNQ:33.3%;HYG:33.3%,US:58.5;EU:10.7;APAC:14.1;EM:10.9;Other:5.7,Value:+0.6;Growth:-0.2;Quality:-0.0;Size:+0.6;Momentum:+0.9;LowVol:-0.4,MaxPos6%;NoDerivatives,7,30,4.0,trailing 8%,122,18.2,Sideways,21.8,3.62,3.1,117,49,86,63,false,Rebalance,Shift +1% to bonds from equity,31,-33,BrokerA,MKT,95,None,None,Normal monitoring,65,3,38,5,false,Within IPS guidelines
P0300,Active,Trust,USD,2024-10-28,1573827,111101,1462726,1.0,62.1,28.1,3.6,6.2,HYG:23.8%;VNQ:23.8%;IEF:10.6%;TLT:18.0%;MUB:23.8%,US:77.5;EU:5.3;APAC:11.7;EM:4.6;Other:0.9,Value:+0.9;Growth:-0.5;Quality:+0.7;Size:-0.1;Momentum:+0.8;LowVol:+0.6,MaxPos6%,7,30,4.9,trailing 8%,172,23.1,Sideways,15.2,4.64,3.5,104,56,81,57,false,Rebalance,Shift +1% to bonds from equity,16,-21,BrokerB,MKT,98,None,None,Normal monitoring,-39,9,-3,5,false,Within IPS guidelines
P0301,Opportunistic,Trust,USD,2025-09-11,1564937,109524,1455413,1.0,74.8,17.2,0.0,8.0,AMZN:27.3%;XLF:27.3%;MUB:18.1%;AAPL:27.3%,US:65.5;EU:15.2;APAC:8.0;EM:8.5;Other:2.8,Value:-0.1;Growth:-0.6;Quality:+0.4;Size:-0.3;Momentum:-0.8;LowVol:+0.6,,8,25,5.2,trailing 7%,253,30.7,Bear,29.4,3.37,2.9,185,-38,17,74,true,Hedge,Buy index puts 1% notional,20,-18,BrokerD,LMT,94,RegimeShift,Reduce,Volatility spike and breadth deterioration,28,-29,151,5,false,Increase defensive factor exposure
P0302,Active,401k,USD,2024-09-16,1866800,134495,1732305,1.13,57.8,26.3,8.9,7.1,TLT:26.7%;BRK.B:26.7%;AMZN:20.0%;HYG:26.7%,US:65.1;EU:10.6;APAC:12.1;EM:9.0;Other:3.1,Value:+0.3;Growth:+0.4;Quality:-0.7;Size:-1.0;Momentum:-0.2;LowVol:-0.3,,8,25,5.6,hard 12%,220,20.7,Volatile,24.9,4.84,3.9,147,-60,21,59,false,Buy,Add to core equity +1%,-12,-15,BrokerA,MKT,98,None,None,Normal monitoring,29,-42,60,4,false,Increase defensive factor exposure
P0303,Cautious,IRA,USD,2024-12-02,229771,22655,207116,1.0,44.4,41.2,1.8,12.5,TSLA:22.2%;BRK.B:22.2%;BND:22.2%;GLD:14.7%;HYG:18.7%,US:76.7;EU:10.6;APAC:6.2;EM:6.3;Other:0.2,Value:-0.1;Growth:-0.1;Quality:+0.2;Size:+0.2;Momentum:+0.7;LowVol:-0.4,ESGOnly;MaxPos6%;NoMargin,5,25,3.0,trailing 8%,92,12.5,Volatile,30.6,5.07,2.9,118,13,46,64,true,Reduce,"Cut high-beta by 2-3%, add cash",14,-24,BrokerA,MKT,100,RegimeShift,Reduce,Volatility spike and breadth deterioration,56,-18,191,5,false,Monitor dispersion and breadth
P0304,Opportunistic,Roth,USD,2024-09-27,1361072,43428,1317644,1.0,73.8,13.4,6.8,6.1,TLT:16.9%;VOO:10.8%;HYG:14.0%;VTI:19.2%;VNQ:21.3%;TSLA:17.8%,US:75.3;EU:9.9;APAC:6.3;EM:6.4;Other:2.1,Value:+0.6;Growth:+0.1;Quality:+0.5;Size:+1.0;Momentum:+0.9;LowVol:+0.1,MaxPos5%,5,25,6.6,trailing 7%,254,34.9,Volatile,23.6,5.38,3.7,133,-30,23,79,true,Hedge,Buy index puts 1% notional,20,-40,BrokerA,MKT,88,VAR>budget,Hedge,Risk above budget threshold,45,10,7,4,false,Within IPS guidelines
P0305,Cautious,401k,USD,2024-11-18,227663,35701,191962,1.0,51.4,35.3,0.0,13.3,MSFT:23.5%;TSLA:19.2%;BRK.B:28.6%;IEF:28.6%,US:62.1;EU:10.9;APAC:16.8;EM:6.1;Other:4.0,Value:-0.4;Growth:+0.4;Quality:-0.0;Size:0.0;Momentum:-0.8;LowVol:+0.5,NoMargin,6,30,3.4,trailing 8%,101,16.4,Bull,13.0,3.6,3.1,102,89,88,26,false,Rebalance,Shift +1% to bonds from equity,21,-33,BrokerA,MKT,96,None,None,Normal monitoring,54,1,35,3,false,Tighten stops on momentum names
P0306,Cautious,IRA,USD,2025-05-19,803021,113338,689683,1.0,42.7,31.9,12.7,12.6,GLD:21.5%;QQQ:14.0%;IEF:21.4%;MUB:21.5%;VNQ:21.5%,US:66.2;EU:15.4;APAC:5.7;EM:9.7;Other:2.9,Value:+0.5;Growth:-0.3;Quality:+0.4;Size:-0.0;Momentum:+0.5;LowVol:-0.9,ESGOnly;NoDerivatives;NoMargin,8,35,3.9,trailing 10%,129,17.3,Volatile,24.1,4.44,4.1,171,-40,34,58,false,Hedge,Add TLT +1% as duration hedge,14,8,BrokerD,MKT,91,None,None,Normal monitoring,111,-47,108,4,false,Tax-aware sells next window
P0307,Cautious,Roth,USD,2025-12-17,329586,32275,297311,1.0,36.8,41.7,7.3,14.2,GLD:19.3%;BND:22.2%;AAPL:22.2%;VTI:14.2%;AMZN:22.2%,US:66.2;EU:11.6;APAC:8.0;EM:9.5;Other:4.7,Value:+0.2;Growth:-1.0;Quality:+0.9;Size:+0.1;Momentum:-0.5;LowVol:+1.0,ESGOnly;NoDerivatives;NoMargin,7,25,4.3,trailing 8%,161,15.2,Volatile,27.4,5.18,2.9,137,-10,44,56,false,Rebalance,Shift +1% to bonds from equity,-11,2,BrokerB,MKT,100,None,None,Normal monitoring,-33,-46,-72,4,false,Tighten stops on momentum names
P0308,Active,Taxable,USD,2025-01-31,1781020,197918,1583102,1.0,55.1,19.3,16.7,8.8,AMZN:33.3%;AAPL:33.3%;XLF:33.3%,US:65.6;EU:8.0;APAC:11.3;EM:12.0;Other:3.1,Value:+0.9;Growth:-0.5;Quality:-1.0;Size:-0.7;Momentum:-1.0;LowVol:+1.0,,8,30,4.1,trailing 9%,212,26.3,Sideways,20.0,3.65,2.3,108,18,56,44,true,Hedge,Buy index puts 1% notional,-5,9,BrokerD,LMT,90,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-36,-2,-33,2,false,Monitor dispersion and breadth
P0309,Systematic,Roth,USD,2025-11-30,748722,39610,709112,1.0,59.6,29.6,1.7,9.1,AMZN:22.0%;BRK.B:14.2%;VTI:22.0%;AAPL:19.9%;VOO:22.0%,US:69.7;EU:11.4;APAC:6.9;EM:10.0;Other:2.0,Value:+0.2;Growth:+0.1;Quality:+0.2;Size:-0.6;Momentum:-0.1;LowVol:-0.4,,5,25,4.8,trailing 8%,184,22.9,Bull,17.5,4.64,2.3,80,53,88,58,true,Hedge,Buy index puts 1% notional,9,6,BrokerC,VWAP,88,RegimeShift,Pause,Volatility spike and breadth deterioration,85,-8,171,2,false,Tax-aware sells next window
P0310,Opportunistic,401k,USD,2025-10-20,404773,17026,387747,1.0,68.8,19.4,7.5,4.3,TSLA:22.0%;BND:20.1%;HYG:20.8%;MUB:13.2%;VNQ:13.5%;MSFT:10.5%,US:73.1;EU:12.8;APAC:5.9;EM:6.3;Other:1.8,Value:-0.3;Growth:-0.5;Quality:+0.7;Size:-0.4;Momentum:+0.3;LowVol:-0.0,MaxPos7%;NoDerivatives,10,25,6.0,trailing 9%,195,29.4,Sideways,15.8,4.31,2.4,115,-15,43,54,false,NoAction,Within bands; monitor,29,-12,BrokerD,VWAP,85,None,None,Normal monitoring,-34,1,-51,5,false,Monitor dispersion and breadth
P0311,Hands-off,401k,USD,2025-09-18,358141,31456,326685,1.0,69.1,15.8,9.6,5.5,XLF:24.0%;IEF:24.0%;TSLA:14.2%;VTI:13.8%;AAPL:24.0%,US:72.4;EU:7.3;APAC:10.1;EM:8.0;Other:2.1,Value:-0.3;Growth:-0.1;Quality:-0.2;Size:-0.5;Momentum:+0.9;LowVol:-0.2,ESGOnly,6,30,3.1,hard 10%,164,18.6,Bear,23.8,3.42,2.0,157,-12,40,69,false,Sell,Trim extended winner -1%,-3,-17,BrokerA,LMT,93,None,None,Normal monitoring,116,-4,237,3,false,Tighten stops on momentum names
P0312,Hands-off,Roth,USD,2024-08-15,752067,73947,678120,1.0,64.2,21.2,7.6,7.0,AAPL:24.1%;TSLA:24.1%;QQQ:12.0%;VTI:24.1%;VOO:15.9%,US:78.0;EU:5.3;APAC:5.6;EM:8.4;Other:2.7,Value:+0.2;Growth:-0.5;Quality:+0.7;Size:-0.4;Momentum:+0.2;LowVol:+0.9,MaxPos5%;NoDerivatives,10,35,5.6,hard 10%,130,12.8,Volatile,24.9,4.08,2.1,158,55,79,78,true,Rebalance,Rebalance back to target bands,34,-13,BrokerC,VWAP,94,Drift>tolerance,Reduce,Allocation drift beyond policy bands,104,-54,214,3,false,Within IPS guidelines
P0313,Cautious,Trust,USD,2025-07-11,757689,117748,639941,1.0,45.6,35.1,8.7,10.7,VTI:20.3%;MSFT:26.6%;XLF:26.6%;TSLA:26.6%,US:70.7;EU:10.1;APAC:10.8;EM:6.8;Other:1.6,Value:+0.1;Growth:-0.5;Quality:-0.8;Size:+0.8;Momentum:-0.1;LowVol:-0.1,ESGOnly;NoMargin,8,30,5.7,trailing 8%,160,12.1,Bull,14.0,3.74,2.4,77,116,100,26,true,Reduce,"Cut high-beta by 2-3%, add cash",13,-22,BrokerC,LMT,86,RegimeShift,Pause,Volatility spike and breadth deterioration,22,-28,75,2,false,Within IPS guidelines
P0314,Hands-off,Taxable,USD,2025-07-06,223718,13178,210540,1.0,68.8,24.6,0.0,6.6,VTI:10.0%;GLD:14.2%;BRK.B:25.3%;BND:25.3%;XLF:25.3%,US:66.1;EU:14.2;APAC:7.4;EM:9.8;Other:2.4,Value:+0.6;Growth:-0.8;Quality:+0.4;Size:-0.2;Momentum:-0.9;LowVol:-0.8,,7,25,4.8,trailing 10%,112,17.6,Volatile,30.1,4.54,4.3,112,38,61,88,true,Reduce,"Cut high-beta by 2-3%, add cash",17,-33,BrokerD,VWAP,95,Drift>tolerance,Pause,Allocation drift beyond policy bands,108,-18,115,5,true,Monitor dispersion and breadth
P0315,Hands-off,Taxable,USD,2024-11-07,257579,21130,236449,1.0,55.7,26.2,12.0,6.2,VNQ:19.5%;XLF:26.8%;BND:26.8%;TLT:26.8%,US:59.7;EU:11.2;APAC:14.1;EM:10.3;Other:4.8,Value:-0.1;Growth:+0.3;Quality:-0.8;Size:-0.9;Momentum:+0.1;LowVol:-0.5,,6,35,4.7,trailing 8%,96,15.4,Bull,14.3,4.14,2.6,115,75,80,44,false,Rebalance,Shift +1% to bonds from equity,27,7,BrokerB,MKT,99,None,None,Normal monitoring,120,-36,110,5,false,Within IPS guidelines
P0316,Systematic,Trust,USD,2024-09-03,1775844,135393,1640451,1.0,63.0,28.4,0.0,8.6,TSLA:12.4%;HYG:23.0%;BRK.B:23.0%;BND:18.6%;GLD:23.0%,US:70.1;EU:7.6;APAC:7.1;EM:12.1;Other:3.0,Value:-0.1;Growth:-0.5;Quality:-0.1;Size:+0.7;Momentum:+0.5;LowVol:+0.4,MaxPos7%,7,30,5.0,hard 12%,125,20.8,Bull,13.8,4.85,2.1,101,49,61,39,false,Buy,Add to core equity +1%,17,-29,BrokerD,LMT,87,None,None,Normal monitoring,44,-22,44,5,false,Tighten stops on momentum names
P0317,Hands-off,Roth,USD,2025-04-18,658204,52928,605276,1.0,72.4,16.2,5.4,6.0,BRK.B:22.8%;HYG:22.8%;AMZN:22.8%;VNQ:13.8%;GLD:17.7%,US:72.0;EU:9.4;APAC:12.7;EM:5.3;Other:0.6,Value:0.0;Growth:+0.3;Quality:-0.5;Size:-0.9;Momentum:+0.1;LowVol:-0.2,NoDerivatives,7,30,4.3,trailing 8%,123,16.4,Sideways,21.9,4.56,3.3,115,20,46,61,false,Buy,Add to core equity +1%,14,-37,BrokerA,MKT,94,None,None,Normal monitoring,-10,-51,47,5,false,Monitor dispersion and breadth
P0318,Active,401k,USD,2025-12-12,1153980,85729,1068251,1.14,58.5,19.8,14.3,7.5,BND:20.1%;QQQ:20.6%;HYG:29.7%;MUB:29.7%,US:66.9;EU:8.9;APAC:12.6;EM:9.4;Other:2.3,Value:+0.3;Growth:+0.4;Quality:-0.5;Size:-0.7;Momentum:-0.0;LowVol:+0.6,,8,35,4.4,hard 12%,203,18.0,Sideways,18.9,4.33,2.3,111,-24,43,42,false,Buy,Add to core equity +1%,2,-37,BrokerD,MKT,93,None,None,Normal monitoring,18,-55,60,4,false,Monitor dispersion and breadth
P0319,Systematic,Taxable,USD,2024-08-29,1236197,82079,1154118,1.0,55.6,24.0,12.3,8.1,AAPL:21.6%;BND:18.1%;TLT:21.6%;VOO:17.2%;IEF:21.6%,US:65.5;EU:13.3;APAC:13.2;EM:7.8;Other:0.3,Value:-0.9;Growth:-1.0;Quality:0.0;Size:+0.4;Momentum:-0.6;LowVol:-0.5,MaxPos7%,5,25,4.9,trailing 9%,211,26.9,Bull,12.0,4.64,2.7,116,41,61,41,false,Rebalance,Shift +1% to bonds from equity,27,-13,BrokerA,MKT,97,None,None,Normal monitoring,108,-22,211,5,false,Increase defensive factor exposure
P0320,Hands-off,401k,USD,2025-10-25,860820,36044,824776,1.0,55.1,29.7,7.0,8.2,IEF:33.3%;AMZN:33.3%;VTI:33.3%,US:71.0;EU:6.6;APAC:9.5;EM:9.4;Other:3.5,Value:-0.2;Growth:-0.1;Quality:+0.3;Size:-0.2;Momentum:+0.1;LowVol:+0.6,ESGOnly;MaxPos7%,7,30,4.6,hard 10%,153,12.1,Bear,31.1,4.46,2.6,166,-3,38,67,false,Sell,Trim extended winner -1%,-6,-34,BrokerA,MKT,85,None,None,Normal monitoring,10,-16,64,3,false,Within IPS guidelines
P0321,Hands-off,401k,USD,2025-10-19,319187,28204,290983,1.0,65.0,20.6,5.5,8.9,VTI:15.3%;AMZN:18.9%;QQQ:11.2%;VOO:16.5%;VNQ:17.7%;MUB:20.4%,US:69.1;EU:13.5;APAC:5.2;EM:7.9;Other:4.4,Value:-0.3;Growth:+0.1;Quality:+0.2;Size:-0.9;Momentum:+0.2;LowVol:+0.4,ESGOnly,6,25,4.1,trailing 8%,114,18.1,Volatile,25.8,4.01,2.6,171,27,69,69,true,Reduce,"Cut high-beta by 2-3%, add cash",16,9,BrokerD,LMT,90,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-38,-55,-71,2,false,Within IPS guidelines
P0322,Cautious,IRA,USD,2025-10-09,597538,64348,533190,1.0,39.2,33.0,11.0,16.8,AMZN:33.9%;BRK.B:32.2%;TLT:33.9%,US:67.8;EU:17.0;APAC:7.4;EM:4.5;Other:3.2,Value:-0.2;Growth:+0.3;Quality:+0.5;Size:-0.8;Momentum:-0.1;LowVol:-0.7,ESGOnly;NoMargin,8,25,5.4,trailing 8%,167,16.3,Bear,32.7,3.13,1.0,170,-67,5,65,false,Rebalance,Shift +1% to bonds from equity,-11,-34,BrokerC,MKT,86,None,None,Normal monitoring,-2,-31,107,3,false,Tax-aware sells next window
P0323,Opportunistic,IRA,USD,2025-02-06,1163168,49012,1114156,1.0,73.9,13.9,8.0,4.2,BND:10.4%;VNQ:15.6%;AAPL:11.0%;VTI:22.2%;VOO:18.6%;QQQ:22.3%,US:66.4;EU:7.7;APAC:13.2;EM:10.4;Other:2.2,Value:-0.0;Growth:+0.1;Quality:+0.9;Size:+0.4;Momentum:-0.2;LowVol:+0.3,,8,35,6.0,hard 12%,194,31.7,Sideways,15.7,4.74,2.4,112,42,85,60,false,NoAction,Within bands; monitor,6,-17,BrokerB,LMT,100,None,None,Normal monitoring,-37,18,44,4,false,Monitor dispersion and breadth
P0324,Cautious,Trust,USD,2024-10-20,491743,48451,443292,1.0,40.6,40.6,7.9,11.0,BRK.B:28.4%;MSFT:28.4%;TSLA:16.7%;BND:26.5%,US:75.8;EU:6.0;APAC:10.2;EM:5.5;Other:2.4,Value:-0.0;Growth:+0.8;Quality:-0.1;Size:-0.4;Momentum:0.0;LowVol:+0.4,ESGOnly;MaxPos8%;NoMargin,5,25,3.9,trailing 8%,164,18.8,Volatile,32.0,5.03,3.6,149,69,99,62,false,NoAction,Within bands; monitor,-3,-28,BrokerA,MKT,0,None,None,Normal monitoring,39,6,107,5,false,Monitor dispersion and breadth
P0325,Active,Roth,USD,2025-02-12,1140442,117080,1023362,1.06,69.7,24.6,0.0,5.7,BND:33.3%;VTI:33.3%;BRK.B:33.3%,US:62.2;EU:14.9;APAC:10.9;EM:7.9;Other:4.0,Value:+0.3;Growth:+0.2;Quality:+0.7;Size:-0.4;Momentum:-0.2;LowVol:+0.6,NoDerivatives,8,25,4.6,trailing 9%,205,17.3,Volatile,29.8,3.88,4.1,122,44,70,84,true,Reduce,"Cut high-beta by 2-3%, add cash",-15,-5,BrokerD,MKT,95,VAR>budget,Hedge,Risk above budget threshold,57,-3,160,3,false,Within IPS guidelines
P0326,Systematic,Taxable,USD,2024-09-09,1189218,115860,1073358,1.0,56.0,22.9,12.6,8.6,IEF:13.7%;MSFT:18.9%;GLD:19.2%;VTI:19.9%;TSLA:14.6%;VOO:13.8%,US:59.0;EU:17.4;APAC:12.0;EM:9.9;Other:1.7,Value:+0.6;Growth:+0.9;Quality:-1.0;Size:-0.5;Momentum:-0.4;LowVol:-0.8,NoDerivatives,8,25,4.4,hard 12%,190,16.1,Bull,16.8,3.72,2.0,93,50,90,55,false,Sell,Trim extended winner -1%,2,-34,BrokerB,MKT,91,None,None,Normal monitoring,99,-17,82,3,false,Tax-aware sells next window
P0327,Active,Roth,USD,2025-08-02,1572397,161460,1410937,1.0,58.8,22.4,8.8,10.0,TSLA:33.3%;GLD:33.3%;HYG:33.3%,US:65.3;EU:7.8;APAC:12.1;EM:10.3;Other:4.5,Value:-0.1;Growth:-0.2;Quality:+0.9;Size:-0.2;Momentum:-0.1;LowVol:0.0,NoDerivatives,5,30,4.0,trailing 9%,223,26.9,Sideways,18.0,4.23,2.3,124,-4,55,44,false,Buy,Add to core equity +1%,28,-11,BrokerC,MKT,87,None,None,Normal monitoring,12,-11,26,3,false,Within IPS guidelines
P0328,Active,Taxable,USD,2024-11-13,905517,69628,835889,1.0,50.6,20.6,20.5,8.2,IEF:8.3%;QQQ:8.9%;VNQ:22.6%;XLF:22.6%;AAPL:15.2%;TSLA:22.6%,US:74.0;EU:5.7;APAC:15.0;EM:3.1;Other:2.3,Value:-0.6;Growth:+0.5;Quality:-0.6;Size:+0.5;Momentum:-0.1;LowVol:+0.1,MaxPos8%,8,30,5.7,trailing 8%,183,16.4,Volatile,30.8,4.08,4.0,159,14,55,64,false,Rebalance,Shift +1% to bonds from equity,-7,-28,BrokerD,MKT,97,None,None,Normal monitoring,96,-45,181,4,false,Increase defensive factor exposure
P0329,Cautious,Roth,USD,2025-02-28,693954,67746,626208,1.0,47.9,36.3,0.0,15.8,IEF:24.4%;GLD:14.0%;HYG:12.7%;XLF:24.4%;VTI:24.4%,US:67.6;EU:10.2;APAC:13.2;EM:5.3;Other:3.7,Value:-0.1;Growth:-0.8;Quality:-0.9;Size:-0.0;Momentum:-0.8;LowVol:-0.9,NoDerivatives;NoMargin,7,35,5.3,trailing 8%,106,13.5,Volatile,20.1,4.61,4.2,142,-20,53,58,false,Rebalance,Shift +1% to bonds from equity,-5,-5,BrokerC,MKT,86,None,None,Normal monitoring,69,2,98,5,false,Within IPS guidelines
P0330,Active,Trust,USD,2024-10-05,643914,47424,596490,1.1,54.7,24.0,13.4,7.9,GLD:21.4%;TSLA:26.2%;VOO:26.2%;MSFT:26.2%,US:67.4;EU:8.4;APAC:14.0;EM:8.5;Other:1.7,Value:+0.2;Growth:+0.1;Quality:+0.7;Size:+0.2;Momentum:-0.2;LowVol:-0.8,MaxPos6%;NoDerivatives,8,30,5.3,hard 12%,147,16.3,Volatile,21.2,4.33,3.7,155,-49,20,52,false,Rebalance,Shift +1% to bonds from equity,-13,-4,BrokerD,LMT,93,None,None,Normal monitoring,78,3,156,3,false,Tighten stops on momentum names
P0331,Systematic,Taxable,USD,2024-08-05,850515,69913,780602,1.0,59.2,21.4,9.8,9.6,BND:22.1%;VOO:12.2%;XLF:14.1%;TSLA:22.1%;IEF:22.1%;MSFT:7.6%,US:73.4;EU:11.1;APAC:9.8;EM:4.2;Other:1.6,Value:+1.0;Growth:+0.8;Quality:-0.6;Size:-0.5;Momentum:-0.0;LowVol:+0.6,NoDerivatives,7,35,4.4,hard 12%,230,20.7,Volatile,21.8,4.12,3.2,123,35,74,61,false,Rebalance,Shift +1% to bonds from equity,18,-4,BrokerD,VWAP,100,None,None,Normal monitoring,97,-21,169,4,false,Tax-aware sells next window
P0332,Hands-off,Roth,USD,2024-09-05,258054,14109,243945,1.0,66.4,27.8,0.0,5.8,QQQ:34.7%;AAPL:34.7%;VTI:30.7%,US:63.8;EU:16.6;APAC:9.3;EM:5.1;Other:5.3,Value:-0.7;Growth:-0.5;Quality:+0.3;Size:+0.6;Momentum:-0.4;LowVol:+0.4,ESGOnly,6,25,5.1,hard 10%,91,16.4,Bull,11.2,4.26,2.8,117,10,50,40,false,Rebalance,Shift +1% to bonds from equity,-1,14,BrokerD,LMT,93,None,None,Normal monitoring,-4,-49,95,5,false,Monitor dispersion and breadth
P0333,Systematic,Roth,USD,2025-05-28,547396,40121,507275,1.0,63.3,27.7,0.0,9.0,VNQ:22.2%;VTI:7.4%;BRK.B:11.9%;IEF:22.2%;MSFT:14.2%;AAPL:22.2%,US:64.0;EU:15.5;APAC:12.6;EM:5.0;Other:3.0,Value:+1.0;Growth:+0.2;Quality:-1.0;Size:+0.5;Momentum:+0.4;LowVol:-0.4,NoDerivatives,6,30,5.9,trailing 9%,230,16.8,Bull,11.2,4.46,2.1,95,91,80,40,false,Rebalance,Shift +1% to bonds from equity,24,-4,BrokerA,MKT,87,None,None,Normal monitoring,106,-9,123,5,false,Tighten stops on momentum names
P0334,Systematic,Roth,USD,2025-11-11,1322697,121028,1201669,1.0,64.0,26.8,0.0,9.2,HYG:33.3%;AMZN:33.3%;VNQ:33.3%,US:61.6;EU:20.4;APAC:7.3;EM:5.0;Other:5.7,Value:-0.5;Growth:-0.8;Quality:-0.8;Size:+0.8;Momentum:+0.7;LowVol:-0.9,NoDerivatives,6,30,5.2,hard 12%,178,24.9,Volatile,30.7,3.63,2.6,138,20,61,84,true,Hedge,Buy index puts 1% notional,26,-38,BrokerD,MKT,89,VAR>budget,Reduce,Risk above budget threshold,30,-25,93,3,true,Tighten stops on momentum names
P0335,Cautious,Roth,USD,2024-10-21,277992,24016,253976,1.0,50.3,39.4,0.0,10.4,AMZN:20.5%;VOO:20.0%;BRK.B:20.5%;AAPL:9.4%;QQQ:18.7%;VTI:10.9%,US:61.0;EU:12.7;APAC:13.0;EM:10.0;Other:3.3,Value:+1.0;Growth:+0.3;Quality:-0.7;Size:-0.6;Momentum:-0.4;LowVol:+0.6,MaxPos6%;NoMargin,10,25,5.0,trailing 8%,124,18.0,Volatile,21.5,4.39,3.2,171,49,63,58,false,Hedge,Add TLT +1% as duration hedge,-6,7,BrokerA,MKT,96,None,None,Normal monitoring,28,-8,96,3,false,Increase defensive factor exposure
P0336,Hands-off,401k,USD,2024-10-23,529943,24001,505942,1.0,59.3,22.8,8.2,9.6,AAPL:25.8%;VTI:25.8%;MSFT:25.8%;QQQ:22.5%,US:61.1;EU:9.0;APAC:14.9;EM:11.9;Other:3.1,Value:-1.0;Growth:-0.4;Quality:-1.0;Size:-0.6;Momentum:+1.0;LowVol:-0.8,MaxPos8%,10,35,4.4,trailing 8%,101,13.3,Volatile,24.1,3.9,2.1,140,46,69,67,false,Sell,Trim extended winner -1%,26,-25,BrokerC,LMT,89,None,None,Normal monitoring,74,2,115,3,false,Tax-aware sells next window
P0337,Opportunistic,Taxable,USD,2024-09-02,676628,60860,615768,1.0,68.6,20.6,4.4,6.5,QQQ:16.8%;GLD:26.8%;VOO:28.2%;IEF:28.2%,US:74.3;EU:6.2;APAC:8.8;EM:10.0;Other:0.8,Value:-0.4;Growth:+1.0;Quality:-0.2;Size:+0.9;Momentum:-0.7;LowVol:-0.5,,7,35,4.6,trailing 9%,225,30.0,Bull,12.2,4.81,3.1,79,86,88,42,false,Rebalance,Shift +1% to bonds from equity,21,-27,BrokerC,VWAP,91,None,None,Normal monitoring,-38,17,64,4,false,Within IPS guidelines
P0338,Active,Trust,USD,2024-07-21,1771892,175729,1596163,1.0,63.2,24.7,5.7,6.5,VTI:21.5%;VNQ:11.1%;TSLA:16.3%;VOO:14.8%;XLF:14.8%;QQQ:21.5%,US:64.3;EU:15.0;APAC:10.7;EM:8.3;Other:1.6,Value:+0.4;Growth:+0.3;Quality:-0.2;Size:-0.8;Momentum:-0.3;LowVol:-0.8,MaxPos6%,7,25,4.3,trailing 9%,168,23.1,Bull,11.7,4.18,2.0,76,99,95,43,false,Rebalance,Shift +1% to bonds from equity,3,-32,BrokerD,LMT,91,None,None,Normal monitoring,30,-6,145,3,false,Within IPS guidelines
P0339,Active,Trust,USD,2025-09-30,1596551,131025,1465526,1.0,55.4,23.4,11.7,9.6,VNQ:36.4%;AAPL:27.1%;MSFT:36.4%,US:60.1;EU:15.3;APAC:10.9;EM:11.3;Other:2.4,Value:+1.0;Growth:-0.3;Quality:-0.7;Size:+0.8;Momentum:+0.5;LowVol:+0.7,,10,25,4.7,hard 12%,175,20.9,Bull,16.2,3.97,3.3,117,38,54,36,false,Rebalance,Shift +1% to bonds from equity,16,-31,BrokerB,LMT,88,None,None,Normal monitoring,54,-32,15,3,false,Monitor dispersion and breadth
P0340,Opportunistic,401k,USD,2025-06-18,529079,35810,493269,1.0,65.3,15.6,10.4,8.6,MSFT:33.3%;VNQ:33.3%;BND:33.3%,US:65.5;EU:14.0;APAC:13.4;EM:3.1;Other:4.0,Value:-0.5;Growth:-0.3;Quality:+0.9;Size:-1.0;Momentum:0.0;LowVol:0.0,MaxPos7%,7,30,4.8,trailing 9%,218,34.2,Bull,15.8,4.83,2.8,70,49,78,43,false,Sell,Trim extended winner -1%,24,-40,BrokerA,LMT,92,None,None,Normal monitoring,28,-28,131,4,false,Tighten stops on momentum names
P0341,Hands-off,401k,USD,2024-08-15,541949,50514,491435,1.0,66.6,20.6,6.7,6.1,VOO:10.3%;MUB:7.4%;BRK.B:20.6%;AAPL:20.5%;TSLA:20.6%;IEF:20.6%,US:56.8;EU:18.1;APAC:14.7;EM:6.8;Other:3.6,Value:+0.7;Growth:+0.2;Quality:+0.6;Size:-0.4;Momentum:0.0;LowVol:-0.5,ESGOnly;MaxPos8%,6,35,6.0,trailing 10%,149,15.1,Sideways,19.3,3.79,2.2,133,40,84,65,false,Sell,Trim extended winner -1%,-6,2,BrokerA,VWAP,88,None,None,Normal monitoring,31,-58,37,4,false,Within IPS guidelines
P0342,Opportunistic,401k,USD,2025-06-02,542670,36691,505979,1.0,65.2,16.9,11.4,6.5,TLT:33.3%;GLD:33.3%;IEF:33.3%,US:65.6;EU:16.6;APAC:8.6;EM:7.7;Other:1.3,Value:+1.0;Growth:+0.3;Quality:+0.4;Size:+0.1;Momentum:+0.3;LowVol:+0.5,NoDerivatives,10,25,4.4,trailing 9%,276,33.3,Volatile,21.7,4.33,3.8,147,58,80,52,false,Sell,Trim extended winner -1%,12,-31,BrokerA,VWAP,89,None,None,Normal monitoring,-21,-44,68,4,false,Tighten stops on momentum names
P0343,Opportunistic,Roth,USD,2025-04-25,1267626,52636,1214990,1.0,72.4,19.6,0.0,8.1,VNQ:23.4%;IEF:13.2%;TLT:18.2%;HYG:23.4%;AMZN:21.8%,US:67.8;EU:16.8;APAC:5.7;EM:9.3;Other:0.5,Value:-0.0;Growth:-0.3;Quality:-0.1;Size:+0.5;Momentum:-0.2;LowVol:-0.8,,5,35,5.5,trailing 7%,165,32.2,Bear,30.2,4.39,1.2,196,3,37,88,true,Reduce,"Cut high-beta by 2-3%, add cash",6,-33,BrokerC,MKT,89,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-5,-1,-11,4,false,Increase defensive factor exposure
P0344,Systematic,Trust,USD,2025-10-11,831371,79884,751487,1.0,65.2,27.1,2.7,5.1,MSFT:12.9%;TLT:15.5%;HYG:21.0%;VNQ:18.9%;AMZN:11.1%;VTI:20.6%,US:68.7;EU:16.3;APAC:8.9;EM:5.0;Other:1.1,Value:-0.8;Growth:+0.8;Quality:+0.2;Size:-0.5;Momentum:-0.4;LowVol:-0.1,,10,35,5.0,hard 12%,217,27.3,Volatile,24.9,4.29,2.8,149,19,63,76,true,Reduce,"Cut high-beta by 2-3%, add cash",-11,-31,BrokerA,LMT,88,VAR>budget,Pause,Risk above budget threshold,-53,9,-85,3,false,Monitor dispersion and breadth
P0345,Active,IRA,USD,2024-10-29,539047,53563,485484,1.0,50.0,20.0,20.2,9.8,XLF:7.3%;QQQ:16.8%;VOO:21.7%;TLT:21.7%;VTI:21.7%;VNQ:10.9%,US:69.3;EU:9.8;APAC:13.7;EM:3.5;Other:3.8,Value:+0.3;Growth:+0.5;Quality:-0.2;Size:-0.3;Momentum:-0.4;LowVol:+0.9,MaxPos5%,7,35,5.3,hard 12%,228,18.5,Bear,26.8,3.78,2.5,208,-33,30,69,false,Sell,Trim extended winner -1%,-6,-29,BrokerB,MKT,99,None,None,Normal monitoring,96,-38,118,4,false,Tax-aware sells next window
P0346,Cautious,401k,USD,2025-08-24,883634,131444,752190,1.0,49.6,33.7,0.0,16.8,XLF:31.3%;AAPL:20.3%;TSLA:17.1%;VOO:31.3%,US:68.9;EU:13.5;APAC:6.5;EM:10.4;Other:0.8,Value:+0.1;Growth:-0.7;Quality:+0.5;Size:-0.3;Momentum:-0.7;LowVol:-0.2,ESGOnly;MaxPos8%;NoMargin,8,25,3.5,trailing 8%,142,12.3,Bull,15.3,3.81,2.0,109,83,80,31,false,Rebalance,Shift +1% to bonds from equity,31,3,BrokerD,MKT,90,None,None,Normal monitoring,-22,8,15,5,false,Within IPS guidelines
P0347,Cautious,IRA,USD,2025-02-09,855488,113822,741666,1.0,46.6,30.1,12.8,10.6,TSLA:33.3%;TLT:33.3%;AAPL:33.3%,US:65.3;EU:11.9;APAC:10.7;EM:8.1;Other:4.1,Value:+0.6;Growth:-0.1;Quality:0.0;Size:-0.8;Momentum:-0.4;LowVol:+0.3,NoMargin,6,35,6.0,hard 10%,97,18.0,Bear,31.0,3.14,2.2,180,-110,5,62,false,NoAction,Within bands; monitor,35,3,BrokerC,MKT,0,None,None,Normal monitoring,112,-38,211,3,false,Monitor dispersion and breadth
P0348,Active,401k,USD,2024-09-03,903525,81739,821786,1.09,54.9,30.9,8.6,5.7,IEF:11.0%;MSFT:22.3%;AMZN:23.6%;VOO:19.5%;TLT:23.6%,US:55.3;EU:15.9;APAC:14.0;EM:10.5;Other:4.3,Value:-0.2;Growth:+0.9;Quality:+0.6;Size:+0.1;Momentum:+0.2;LowVol:+0.2,,8,30,5.2,trailing 8%,131,18.5,Volatile,23.4,4.43,3.8,125,20,57,63,false,Buy,Add to core equity +1%,6,-34,BrokerD,MKT,94,None,None,Normal monitoring,-53,-5,-31,5,false,Increase defensive factor exposure
P0349,Cautious,IRA,USD,2024-12-29,742228,96794,645434,1.0,38.8,39.3,5.5,16.4,TLT:27.0%;GLD:19.1%;MSFT:27.0%;VNQ:27.0%,US:69.3;EU:5.7;APAC:11.2;EM:10.1;Other:3.6,Value:0.0;Growth:+0.3;Quality:+0.9;Size:+0.6;Momentum:-0.1;LowVol:-0.9,NoMargin,5,35,3.9,trailing 8%,109,13.6,Sideways,20.9,4.62,2.5,135,9,53,36,false,Buy,Add to core equity +1%,30,5,BrokerC,VWAP,94,None,None,Normal monitoring,45,-12,81,3,false,Tighten stops on momentum names
P0350,Systematic,Trust,USD,2024-10-11,1917397,141934,1775463,1.0,67.7,21.9,3.8,6.6,VOO:8.1%;VNQ:10.7%;TSLA:20.8%;IEF:20.8%;XLF:20.8%;TLT:18.7%,US:70.6;EU:13.2;APAC:9.2;EM:3.3;Other:3.7,Value:+0.3;Growth:+0.7;Quality:-0.4;Size:-0.7;Momentum:-0.0;LowVol:+0.3,NoDerivatives,5,30,5.3,trailing 8%,139,17.3,Bear,30.7,3.62,1.9,182,-105,5,74,true,Rebalance,Rebalance back to target bands,29,-10,BrokerC,MKT,89,Drift>tolerance,Reduce,Allocation drift beyond policy bands,66,-32,58,3,false,Monitor dispersion and breadth
P0351,Cautious,IRA,USD,2025-05-05,682835,104666,578169,1.0,42.9,42.3,0.5,14.3,TLT:19.7%;VOO:21.0%;HYG:11.7%;AAPL:23.8%;IEF:23.8%,US:54.8;EU:18.2;APAC:13.9;EM:10.2;Other:2.9,Value:-0.9;Growth:-0.6;Quality:+0.8;Size:-0.3;Momentum:-0.9;LowVol:-0.9,ESGOnly;NoMargin,5,35,6.0,trailing 10%,154,13.7,Bull,17.0,4.22,2.3,103,47,61,48,false,Sell,Trim extended winner -1%,7,6,BrokerC,MKT,89,None,None,Normal monitoring,-60,-38,27,4,false,Tax-aware sells next window
P0352,Cautious,Trust,USD,2025-09-28,289979,41870,248109,1.0,48.2,39.5,0.1,12.1,BRK.B:26.2%;VNQ:21.3%;TSLA:26.2%;HYG:26.2%,US:65.8;EU:16.8;APAC:6.4;EM:9.9;Other:1.1,Value:+0.7;Growth:-0.7;Quality:+0.8;Size:-0.3;Momentum:-0.1;LowVol:+0.7,ESGOnly;NoMargin,7,25,5.7,trailing 8%,133,15.9,Volatile,22.5,4.07,2.6,160,-46,26,57,true,Reduce,"Cut high-beta by 2-3%, add cash",19,-26,BrokerC,MKT,98,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-43,16,51,5,false,Tax-aware sells next window
P0353,Hands-off,Trust,USD,2024-09-22,794822,70162,724660,1.0,66.1,24.5,0.0,9.4,BRK.B:33.3%;VNQ:33.3%;BND:33.3%,US:58.8;EU:19.1;APAC:9.6;EM:10.2;Other:2.3,Value:+0.1;Growth:-0.6;Quality:+1.0;Size:-0.2;Momentum:+0.1;LowVol:+0.3,MaxPos6%,5,35,4.6,trailing 8%,113,19.2,Bull,16.1,3.73,3.0,86,21,56,41,false,Hedge,Add TLT +1% as duration hedge,27,2,BrokerA,MKT,92,None,None,Normal monitoring,-19,16,117,5,false,Tighten stops on momentum names
P0354,Active,Roth,USD,2024-10-15,1534291,119063,1415228,1.0,67.4,20.7,4.9,7.1,VTI:33.3%;HYG:33.3%;XLF:33.3%,US:60.4;EU:16.2;APAC:9.4;EM:11.3;Other:2.6,Value:+0.2;Growth:+0.8;Quality:-0.5;Size:+0.7;Momentum:-0.0;LowVol:-0.2,NoDerivatives,10,30,4.2,trailing 8%,165,22.5,Bull,11.5,3.57,3.1,97,37,60,39,false,Buy,Add to core equity +1%,24,-15,BrokerB,MKT,88,None,None,Normal monitoring,35,16,114,4,false,Monitor dispersion and breadth
P0355,Cautious,Roth,USD,2024-10-21,738195,106510,631685,1.0,36.7,41.1,8.6,13.5,HYG:33.3%;VNQ:33.3%;IEF:33.3%,US:63.4;EU:18.0;APAC:5.8;EM:8.0;Other:4.7,Value:+0.1;Growth:+0.8;Quality:-0.2;Size:+0.7;Momentum:-0.8;LowVol:+0.5,NoMargin,8,30,4.2,hard 10%,144,14.6,Volatile,24.7,4.97,4.4,157,52,65,51,false,Sell,Trim extended winner -1%,32,1,BrokerB,MKT,99,None,None,Normal monitoring,-41,-1,39,3,false,Tighten stops on momentum names
P0356,Cautious,Taxable,USD,2025-09-09,731231,107040,624191,1.0,41.4,42.2,5.6,10.8,TSLA:33.3%;BRK.B:33.3%;AMZN:33.3%,US:68.0;EU:17.5;APAC:6.0;EM:3.5;Other:5.0,Value:-0.4;Growth:+0.4;Quality:+0.4;Size:-0.8;Momentum:-0.2;LowVol:-0.6,ESGOnly;NoMargin,5,30,4.2,hard 10%,142,15.7,Bear,31.7,4.06,1.5,158,-31,49,78,true,Reduce,"Cut high-beta by 2-3%, add cash",1,-17,BrokerC,LMT,91,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-36,6,-70,2,false,Increase defensive factor exposure
P0357,Cautious,Taxable,USD,2024-08-22,462400,69684,392716,1.0,38.0,32.0,18.1,11.9,BRK.B:27.9%;TSLA:36.1%;MUB:36.1%,US:61.3;EU:17.6;APAC:10.3;EM:10.1;Other:0.7,Value:-0.0;Growth:-0.5;Quality:0.0;Size:+0.9;Momentum:-0.2;LowVol:+0.1,NoDerivatives;NoMargin,6,25,5.1,trailing 8%,124,12.9,Bull,17.2,4.48,2.2,94,40,70,45,false,Rebalance,Shift +1% to bonds from equity,17,5,BrokerB,LMT,91,None,None,Normal monitoring,-27,14,-14,4,false,Monitor dispersion and breadth
P0358,Cautious,401k,USD,2025-09-25,863247,110183,753064,1.0,46.8,37.5,4.3,11.4,TLT:33.3%;BND:33.3%;IEF:33.3%,US:61.1;EU:17.1;APAC:12.2;EM:9.5;Other:0.1,Value:+0.9;Growth:-0.1;Quality:-1.0;Size:-0.8;Momentum:-0.6;LowVol:+0.4,ESGOnly;MaxPos6%;NoDerivatives;NoMargin,5,35,5.6,trailing 8%,94,13.6,Bull,15.7,4.73,3.0,118,53,69,48,false,Rebalance,Shift +1% to bonds from equity,-15,-26,BrokerD,MKT,99,None,None,Normal monitoring,80,-57,212,5,false,Tighten stops on momentum names
P0359,Systematic,IRA,USD,2025-12-26,1988826,188720,1800106,1.0,67.9,25.7,0.0,6.4,GLD:33.3%;BND:33.3%;TSLA:33.3%,US:63.5;EU:13.9;APAC:14.4;EM:5.9;Other:2.2,Value:+0.4;Growth:+0.8;Quality:-0.2;Size:+0.9;Momentum:-0.1;LowVol:-0.5,,5,35,4.7,trailing 8%,150,24.5,Bull,15.5,3.71,2.6,87,119,100,41,false,Buy,Add to core equity +1%,-2,14,BrokerC,MKT,92,None,None,Normal monitoring,-48,-55,-61,4,false,Tighten stops on momentum names
P0360,Hands-off,Trust,USD,2025-06-28,219431,13957,205474,1.0,60.5,24.6,7.9,7.0,BND:15.5%;HYG:21.5%;AMZN:23.1%;VNQ:16.8%;TSLA:23.1%,US:66.4;EU:17.5;APAC:11.7;EM:3.2;Other:1.2,Value:+0.7;Growth:-0.8;Quality:+0.1;Size:-0.0;Momentum:-0.8;LowVol:-0.1,ESGOnly;MaxPos6%,10,35,4.3,trailing 10%,145,14.0,Bear,28.6,4.0,3.0,171,-88,5,74,true,Reduce,"Cut high-beta by 2-3%, add cash",10,6,BrokerD,MKT,97,Drift>tolerance,Hedge,Allocation drift beyond policy bands,69,5,80,5,false,Monitor dispersion and breadth
P0361,Cautious,IRA,USD,2024-10-06,661516,65974,595542,1.0,35.4,38.3,12.1,14.2,VOO:14.7%;AAPL:25.2%;MSFT:12.1%;QQQ:22.7%;BND:25.2%,US:68.7;EU:10.1;APAC:9.2;EM:7.6;Other:4.4,Value:+0.2;Growth:+0.8;Quality:-0.0;Size:+0.2;Momentum:-0.5;LowVol:+0.5,NoDerivatives;NoMargin,6,25,5.3,trailing 8%,139,18.3,Volatile,26.1,4.71,4.4,115,13,57,57,false,Sell,Trim extended winner -1%,24,-3,BrokerD,VWAP,87,None,None,Normal monitoring,-54,18,-47,5,false,Increase defensive factor exposure
P0362,Opportunistic,401k,USD,2025-03-05,1194719,69578,1125141,1.21,71.4,19.1,0.8,8.7,AAPL:21.4%;VOO:23.4%;BRK.B:16.6%;GLD:23.4%;AMZN:15.3%,US:55.0;EU:19.9;APAC:11.2;EM:11.2;Other:2.7,Value:-0.3;Growth:-1.0;Quality:+0.2;Size:+0.8;Momentum:-0.4;LowVol:-0.6,NoDerivatives,7,25,5.0,hard 12%,197,28.1,Sideways,18.2,3.7,2.7,123,-13,36,58,false,Buy,Add to core equity +1%,11,0,BrokerB,LMT,86,None,None,Normal monitoring,118,-11,219,4,false,Monitor dispersion and breadth
P0363,Opportunistic,401k,USD,2024-08-31,1162618,80808,1081810,1.0,67.7,11.0,15.4,5.9,BND:22.5%;MUB:18.0%;AMZN:20.0%;GLD:22.5%;HYG:16.9%,US:71.0;EU:18.4;APAC:5.3;EM:4.2;Other:1.1,Value:-0.5;Growth:-0.8;Quality:-0.1;Size:+0.3;Momentum:+0.4;LowVol:-1.0,,8,30,4.7,trailing 7%,266,29.0,Bear,29.2,3.75,1.1,156,-91,5,71,true,Rebalance,Rebalance back to target bands,17,4,BrokerD,MKT,95,Drift>tolerance,Pause,Allocation drift beyond policy bands,96,-3,77,5,false,Monitor dispersion and breadth
P0364,Active,Roth,USD,2025-02-11,2101881,208351,1893530,1.0,63.3,28.0,0.0,8.7,TLT:33.3%;TSLA:33.3%;IEF:33.3%,US:65.4;EU:22.9;APAC:6.6;EM:4.8;Other:0.3,Value:-0.1;Growth:+0.2;Quality:+0.9;Size:-0.3;Momentum:+0.5;LowVol:+0.5,MaxPos5%,7,25,4.3,trailing 9%,135,25.0,Bull,14.1,4.52,2.7,93,43,83,47,false,Buy,Add to core equity +1%,-1,-16,BrokerD,MKT,87,None,None,Normal monitoring,23,-31,17,3,false,Monitor dispersion and breadth
P0365,Systematic,401k,USD,2025-09-17,1901848,189126,1712722,1.0,61.7,30.9,0.0,7.5,BND:33.3%;XLF:33.3%;TSLA:33.3%,US:59.2;EU:15.0;APAC:12.1;EM:9.4;Other:4.2,Value:-0.2;Growth:-0.8;Quality:+0.2;Size:-0.4;Momentum:+0.6;LowVol:-0.2,NoDerivatives,7,35,4.1,trailing 8%,182,26.5,Bull,15.9,4.89,3.4,90,96,100,50,false,Sell,Trim extended winner -1%,13,4,BrokerD,MKT,92,None,None,Normal monitoring,-43,-58,31,5,false,Within IPS guidelines
P0366,Opportunistic,Trust,USD,2025-01-03,1267621,101413,1166208,1.07,67.3,12.9,11.9,7.9,BRK.B:28.9%;GLD:28.9%;HYG:28.9%;IEF:13.3%,US:74.7;EU:7.2;APAC:10.3;EM:6.9;Other:1.0,Value:+0.7;Growth:+0.2;Quality:-0.4;Size:+0.7;Momentum:+0.2;LowVol:-0.5,,7,30,5.4,trailing 9%,229,32.8,Sideways,15.2,4.47,3.3,105,-18,26,49,false,Rebalance,Shift +1% to bonds from equity,2,3,BrokerA,VWAP,94,None,None,Normal monitoring,-24,-19,-31,3,false,Monitor dispersion and breadth
P0367,Active,Roth,USD,2024-08-11,1240156,74889,1165267,1.23,66.9,25.3,0.1,7.6,VOO:23.4%;MSFT:29.0%;MUB:29.0%;XLF:18.5%,US:68.0;EU:7.1;APAC:18.7;EM:5.9;Other:0.2,Value:-0.4;Growth:-0.9;Quality:-0.3;Size:-1.0;Momentum:+0.6;LowVol:+0.6,,7,35,4.2,trailing 9%,228,17.6,Bull,14.5,4.12,2.1,114,47,72,47,false,Rebalance,Shift +1% to bonds from equity,8,-40,BrokerC,MKT,85,None,None,Normal monitoring,80,-32,55,4,false,Increase defensive factor exposure
P0368,Active,Trust,USD,2025-05-26,874240,83865,790375,1.11,58.5,28.9,7.0,5.5,AMZN:25.3%;BRK.B:9.3%;TLT:25.3%;GLD:25.3%;VNQ:14.8%,US:69.2;EU:6.3;APAC:12.9;EM:10.2;Other:1.3,Value:-0.1;Growth:-0.3;Quality:-0.9;Size:-1.0;Momentum:+0.4;LowVol:+0.4,MaxPos6%,7,25,4.1,hard 12%,217,27.8,Sideways,14.5,4.99,2.5,122,18,72,46,false,Rebalance,Shift +1% to bonds from equity,11,-31,BrokerA,LMT,88,None,None,Normal monitoring,44,4,170,3,false,Within IPS guidelines
P0369,Systematic,Trust,USD,2024-07-15,1958665,140941,1817724,1.0,61.1,25.5,5.3,8.1,BRK.B:12.7%;VTI:24.1%;GLD:20.1%;AMZN:19.0%;MSFT:24.1%,US:64.7;EU:18.6;APAC:7.8;EM:4.4;Other:4.4,Value:+0.7;Growth:+0.6;Quality:+0.7;Size:+0.3;Momentum:+0.4;LowVol:-0.5,,10,35,5.4,trailing 8%,150,17.0,Bull,17.4,4.51,2.9,88,51,81,60,false,Buy,Add to core equity +1%,-14,-3,BrokerB,LMT,89,None,None,Normal monitoring,78,-14,166,4,false,Tighten stops on momentum names
P0370,Opportunistic,Taxable,USD,2025-06-12,1047074,36939,1010135,1.0,65.6,17.5,10.3,6.7,HYG:33.3%;QQQ:33.3%;MUB:33.3%,US:70.6;EU:10.3;APAC:11.1;EM:7.9;Other:0.1,Value:-1.0;Growth:0.0;Quality:+0.6;Size:-0.5;Momentum:-0.0;LowVol:-0.2,MaxPos6%,7,30,6.5,trailing 7%,194,22.1,Bull,17.6,4.38,3.2,75,44,60,46,false,Buy,Add to core equity +1%,5,-25,BrokerD,LMT,85,None,None,Normal monitoring,-18,13,17,4,false,Monitor dispersion and breadth
P0371,Systematic,Taxable,USD,2024-07-15,908437,42248,866189,1.0,62.4,29.2,1.3,7.0,VTI:22.0%;MSFT:22.0%;AMZN:21.4%;TLT:19.8%;MUB:14.9%,US:73.2;EU:5.4;APAC:13.7;EM:5.2;Other:2.5,Value:+0.8;Growth:-0.1;Quality:-0.7;Size:+0.6;Momentum:+0.8;LowVol:+1.0,,8,35,4.4,trailing 8%,215,17.8,Volatile,21.7,5.0,3.3,149,33,78,57,false,Hedge,Add TLT +1% as duration hedge,-8,-17,BrokerC,LMT,89,None,None,Normal monitoring,68,9,182,4,false,Monitor dispersion and breadth
P0372,Active,Trust,USD,2024-09-19,1140830,96553,1044277,1.18,66.3,25.2,0.0,8.5,VNQ:25.0%;QQQ:25.0%;AMZN:25.0%;MUB:25.0%,US:74.8;EU:7.7;APAC:6.3;EM:7.3;Other:3.9,Value:+0.9;Growth:-0.8;Quality:-0.4;Size:+0.4;Momentum:-0.2;LowVol:-0.5,,6,35,4.9,trailing 9%,141,25.0,Volatile,26.9,4.0,3.2,132,19,58,65,false,Rebalance,Shift +1% to bonds from equity,14,-15,BrokerB,MKT,86,None,None,Normal monitoring,7,-43,-15,4,false,Increase defensive factor exposure
P0373,Opportunistic,Taxable,USD,2024-10-20,1375873,120931,1254942,1.1,73.3,17.8,0.0,8.9,BND:13.3%;TSLA:21.8%;TLT:21.8%;VOO:21.8%;QQQ:21.4%,US:66.0;EU:15.9;APAC:6.7;EM:9.2;Other:2.1,Value:-0.3;Growth:-0.1;Quality:-0.4;Size:+0.7;Momentum:-1.0;LowVol:-0.4,MaxPos6%;NoDerivatives,7,30,4.8,trailing 9%,269,31.3,Bull,11.4,3.65,2.5,87,81,81,40,false,Hedge,Add TLT +1% as duration hedge,20,-6,BrokerB,LMT,100,None,None,Normal monitoring,35,-15,113,3,false,Tighten stops on momentum names
P0374,Cautious,Taxable,USD,2024-09-08,669354,54240,615114,1.0,38.9,37.9,7.8,15.5,AAPL:18.1%;IEF:21.1%;TLT:15.1%;VNQ:21.5%;VTI:17.2%;HYG:7.0%,US:65.9;EU:18.2;APAC:6.3;EM:5.8;Other:3.9,Value:-0.5;Growth:+0.2;Quality:+0.5;Size:+0.6;Momentum:+0.8;LowVol:+0.8,ESGOnly;NoMargin,7,25,4.4,trailing 8%,114,15.8,Volatile,21.4,4.62,3.9,174,30,66,49,false,Buy,Add to core equity +1%,-13,7,BrokerB,LMT,97,None,None,Normal monitoring,-22,-28,22,3,false,Tax-aware sells next window
P0375,Opportunistic,Roth,USD,2025-11-05,1490037,92058,1397979,1.0,70.8,20.9,0.0,8.2,XLF:33.3%;GLD:33.3%;VTI:33.3%,US:58.7;EU:20.6;APAC:6.2;EM:12.2;Other:2.4,Value:-0.8;Growth:-0.4;Quality:+0.1;Size:-0.3;Momentum:-0.5;LowVol:+0.2,MaxPos8%;NoDerivatives,10,30,6.3,trailing 7%,217,22.3,Volatile,28.2,4.31,3.6,167,13,52,75,true,Rebalance,Rebalance back to target bands,4,-18,BrokerD,MKT,87,VAR>budget,Reduce,Risk above budget threshold,54,-14,95,4,true,Tighten stops on momentum names
P0376,Opportunistic,401k,USD,2025-03-17,931907,41100,890807,1.0,69.0,20.2,5.3,5.5,IEF:33.3%;AMZN:33.3%;MUB:33.3%,US:65.7;EU:7.8;APAC:9.7;EM:14.3;Other:2.5,Value:+0.6;Growth:-0.7;Quality:-0.0;Size:-0.4;Momentum:-1.0;LowVol:-0.7,,7,30,5.2,hard 12%,223,27.3,Sideways,21.9,3.75,2.8,114,14,44,59,false,Hedge,Add TLT +1% as duration hedge,1,0,BrokerC,MKT,99,None,None,Normal monitoring,79,3,91,3,false,Increase defensive factor exposure
P0377,Active,Taxable,USD,2024-10-27,1104279,127035,977244,1.0,65.2,27.5,0.0,7.4,TLT:18.1%;VOO:17.7%;BND:11.3%;BRK.B:20.2%;MUB:15.8%;XLF:17.0%,US:67.9;EU:15.1;APAC:8.4;EM:7.3;Other:1.3,Value:+0.8;Growth:+0.7;Quality:-0.3;Size:+0.2;Momentum:+0.4;LowVol:-0.2,NoDerivatives,5,35,5.9,hard 12%,180,27.5,Bull,14.0,3.99,2.5,72,77,80,49,false,Sell,Trim extended winner -1%,13,11,BrokerC,LMT,93,None,None,Normal monitoring,32,-25,83,4,false,Increase defensive factor exposure
P0378,Systematic,Roth,USD,2025-11-19,1821449,116106,1705343,1.0,56.9,23.1,10.5,9.4,BND:21.8%;TSLA:16.4%;MSFT:13.5%;XLF:6.6%;VOO:19.8%;TLT:21.8%,US:72.6;EU:6.9;APAC:9.6;EM:9.7;Other:1.2,Value:-1.0;Growth:-0.5;Quality:+0.8;Size:-0.4;Momentum:+0.8;LowVol:-0.2,MaxPos7%,8,25,4.2,trailing 9%,143,23.9,Bull,11.9,3.71,3.5,116,74,77,43,false,Buy,Add to core equity +1%,4,-36,BrokerD,MKT,90,None,None,Normal monitoring,-25,20,-48,4,false,Tax-aware sells next window
P0379,Active,Trust,USD,2024-12-31,973967,72218,901749,1.0,60.2,23.0,10.4,6.4,XLF:23.0%;IEF:23.0%;BND:16.4%;MUB:15.1%;TLT:13.1%;QQQ:9.4%,US:57.9;EU:19.6;APAC:14.7;EM:4.2;Other:3.5,Value:-0.3;Growth:+0.2;Quality:-0.4;Size:+0.2;Momentum:-1.0;LowVol:-0.8,,10,35,4.5,hard 12%,217,19.6,Sideways,16.5,3.99,2.1,121,4,38,39,false,Buy,Add to core equity +1%,-3,2,BrokerD,LMT,90,None,None,Normal monitoring,62,-18,152,5,false,Increase defensive factor exposure
P0380,Opportunistic,Taxable,USD,2025-09-25,775596,26249,749347,1.0,74.5,20.7,0.0,4.9,VNQ:23.1%;HYG:20.5%;TLT:28.2%;BRK.B:28.2%,US:72.7;EU:8.7;APAC:11.4;EM:6.9;Other:0.3,Value:-0.6;Growth:-0.3;Quality:+0.4;Size:-0.5;Momentum:+0.3;LowVol:-0.9,MaxPos7%,5,35,5.6,trailing 9%,196,32.5,Volatile,27.4,4.72,2.1,149,17,70,85,true,Hedge,Buy index puts 1% notional,30,-6,BrokerB,LMT,100,Drift>tolerance,Pause,Allocation drift beyond policy bands,109,-37,112,4,false,Tax-aware sells next window
P0381,Cautious,IRA,USD,2025-01-21,271857,38826,233031,1.0,42.2,34.6,8.3,14.8,QQQ:33.3%;GLD:33.3%;VTI:33.3%,US:68.2;EU:15.8;APAC:7.9;EM:4.9;Other:3.3,Value:-0.2;Growth:-0.7;Quality:-0.1;Size:+0.7;Momentum:+0.6;LowVol:+0.9,ESGOnly;NoDerivatives;NoMargin,5,35,3.4,trailing 8%,161,15.7,Bull,12.8,3.7,2.7,82,69,96,27,false,Sell,Trim extended winner -1%,2,-33,BrokerB,LMT,93,None,None,Normal monitoring,5,0,137,4,false,Tighten stops on momentum names
P0382,Active,Taxable,USD,2025-01-25,1326628,136211,1190417,1.0,55.7,24.0,12.3,8.1,HYG:24.1%;GLD:24.1%;BND:11.6%;VOO:24.1%;XLF:16.1%,US:70.1;EU:9.4;APAC:15.1;EM:4.1;Other:1.4,Value:-0.9;Growth:-0.5;Quality:-0.4;Size:-0.5;Momentum:-0.1;LowVol:-0.0,,5,25,5.8,trailing 8%,230,16.1,Bull,14.4,3.72,2.7,88,21,75,42,false,Sell,Trim extended winner -1%,-10,1,BrokerA,LMT,93,None,None,Normal monitoring,-1,-56,36,5,false,Increase defensive factor exposure
P0383,Active,Taxable,USD,2025-01-16,1344227,138087,1206140,1.14,64.0,21.8,4.7,9.5,BRK.B:15.9%;XLF:21.3%;VNQ:21.3%;AMZN:6.9%;AAPL:16.9%;BND:17.8%,US:58.9;EU:22.2;APAC:5.6;EM:9.3;Other:4.1,Value:+1.0;Growth:-0.5;Quality:+0.2;Size:+0.2;Momentum:+0.1;LowVol:-0.6,,6,35,5.0,trailing 8%,145,23.2,Volatile,23.6,4.15,4.0,121,-1,41,55,false,Sell,Trim extended winner -1%,3,-15,BrokerC,LMT,97,None,None,Normal monitoring,-17,-44,66,3,false,Tighten stops on momentum names
P0384,Hands-off,IRA,USD,2025-02-18,483303,28508,454795,1.0,72.5,16.2,3.3,8.1,TLT:20.7%;MUB:14.2%;AAPL:16.0%;MSFT:15.9%;XLF:12.5%;GLD:20.7%,US:73.6;EU:9.2;APAC:10.7;EM:4.2;Other:2.4,Value:+0.2;Growth:-0.8;Quality:+0.6;Size:+0.4;Momentum:+0.5;LowVol:+0.2,ESGOnly,10,35,4.3,trailing 8%,120,13.5,Bull,15.2,4.52,3.0,94,23,60,55,false,NoAction,Within bands; monitor,-8,-29,BrokerD,MKT,0,None,None,Normal monitoring,-18,8,41,4,false,Tighten stops on momentum names
P0385,Hands-off,Roth,USD,2025-01-29,444927,38466,406461,1.0,58.9,25.6,10.0,5.5,XLF:20.0%;MUB:11.8%;QQQ:24.2%;VNQ:9.9%;TLT:9.9%;HYG:24.2%,US:64.8;EU:11.1;APAC:12.4;EM:9.7;Other:2.1,Value:+0.1;Growth:+0.2;Quality:+0.9;Size:-0.1;Momentum:+0.5;LowVol:-0.9,MaxPos5%;NoDerivatives,10,30,3.1,trailing 8%,140,15.9,Volatile,29.3,5.31,2.8,160,33,56,63,false,Rebalance,Shift +1% to bonds from equity,34,-21,BrokerA,LMT,86,None,None,Normal monitoring,-36,-9,21,4,false,Monitor dispersion and breadth
P0386,Active,IRA,USD,2025-05-28,1711658,160073,1551585,1.0,64.0,29.6,0.0,6.4,VTI:36.2%;VOO:36.2%;BRK.B:27.7%,US:66.7;EU:15.6;APAC:9.6;EM:4.2;Other:3.9,Value:+0.9;Growth:+0.4;Quality:-0.3;Size:+0.1;Momentum:+0.5;LowVol:+0.3,,6,35,4.6,trailing 9%,157,18.8,Volatile,26.6,5.04,3.6,113,74,100,69,false,NoAction,Within bands; monitor,-5,-9,BrokerC,MKT,0,None,None,Normal monitoring,77,-14,217,5,false,Monitor dispersion and breadth
P0387,Active,Taxable,USD,2025-10-18,604872,67163,537709,1.19,68.1,24.1,0.0,7.8,VOO:25.2%;BND:25.2%;AAPL:25.2%;TSLA:24.5%,US:66.3;EU:13.2;APAC:10.7;EM:4.8;Other:5.0,Value:-0.8;Growth:+0.2;Quality:+1.0;Size:+0.1;Momentum:-0.1;LowVol:+1.0,,8,25,5.3,trailing 9%,157,24.0,Bull,15.9,3.74,3.2,84,33,71,60,false,Rebalance,Shift +1% to bonds from equity,1,6,BrokerA,LMT,95,None,None,Normal monitoring,-51,-29,-71,3,false,Tax-aware sells next window
P0388,Systematic,Roth,USD,2025-10-13,1671555,96747,1574808,1.0,55.8,33.4,1.9,8.9,AMZN:32.2%;IEF:33.9%;TLT:33.9%,US:55.0;EU:13.6;APAC:14.8;EM:12.6;Other:4.0,Value:+0.9;Growth:+0.7;Quality:-0.6;Size:-0.2;Momentum:+0.5;LowVol:+0.2,MaxPos8%;NoDerivatives,8,25,5.6,hard 12%,132,22.8,Volatile,30.2,4.67,2.5,125,22,69,82,true,Rebalance,Rebalance back to target bands,16,5,BrokerA,VWAP,92,RegimeShift,Reduce,Volatility spike and breadth deterioration,-23,-34,15,2,true,Increase defensive factor exposure
P0389,Cautious,401k,USD,2025-08-11,514816,64709,450107,1.0,39.5,38.7,10.3,11.5,AAPL:33.4%;TLT:33.1%;IEF:33.4%,US:64.2;EU:13.7;APAC:10.4;EM:8.0;Other:3.6,Value:-0.4;Growth:+0.4;Quality:-0.4;Size:-0.8;Momentum:-1.0;LowVol:+0.8,MaxPos7%;NoMargin,7,25,3.1,hard 10%,144,13.7,Bull,16.8,4.97,2.8,83,35,67,39,false,Rebalance,Shift +1% to bonds from equity,0,-26,BrokerD,MKT,89,None,None,Normal monitoring,83,-32,100,5,false,Within IPS guidelines
P0390,Hands-off,IRA,USD,2024-11-29,567991,38077,529914,1.0,68.7,25.9,0.0,5.4,GLD:26.9%;VNQ:36.5%;AAPL:36.5%,US:64.3;EU:9.3;APAC:15.0;EM:10.5;Other:0.9,Value:+1.0;Growth:-0.7;Quality:+0.9;Size:0.0;Momentum:+0.9;LowVol:-0.3,ESGOnly;MaxPos6%;NoDerivatives,5,30,4.6,trailing 8%,116,12.8,Sideways,16.0,4.27,3.0,99,57,69,59,false,Hedge,Add TLT +1% as duration hedge,19,-19,BrokerC,MKT,92,None,None,Normal monitoring,-60,14,-21,4,false,Increase defensive factor exposure
P0391,Active,401k,USD,2025-10-14,2147218,205280,1941938,1.0,60.2,25.6,9.1,5.2,TLT:9.8%;GLD:23.6%;VNQ:23.6%;BND:23.6%;VOO:19.5%,US:61.6;EU:20.6;APAC:7.0;EM:10.5;Other:0.3,Value:+0.7;Growth:+0.2;Quality:-0.7;Size:-0.7;Momentum:-0.2;LowVol:+0.6,NoDerivatives,6,35,4.4,trailing 9%,177,21.6,Volatile,31.1,4.08,3.9,168,-22,52,84,true,Hedge,Buy index puts 1% notional,-1,-12,BrokerC,LMT,100,VAR>budget,Reduce,Risk above budget threshold,36,-45,36,2,false,Within IPS guidelines
P0392,Systematic,IRA,USD,2025-05-11,451315,35969,415346,1.0,64.6,23.4,3.3,8.7,HYG:33.3%;VNQ:33.3%;TLT:33.3%,US:68.9;EU:14.2;APAC:7.5;EM:5.7;Other:3.7,Value:-0.6;Growth:+0.4;Quality:-0.5;Size:+0.2;Momentum:+0.1;LowVol:-0.1,,10,35,6.0,trailing 9%,228,19.0,Bull,13.8,3.67,2.1,108,84,99,36,false,Sell,Trim extended winner -1%,8,-40,BrokerD,LMT,94,None,None,Normal monitoring,6,-53,96,5,false,Monitor dispersion and breadth
P0393,Active,IRA,USD,2025-06-16,2297838,243824,2054014,1.0,62.3,26.5,4.5,6.8,BRK.B:28.1%;MSFT:27.4%;AMZN:16.4%;BND:28.1%,US:64.4;EU:12.4;APAC:9.2;EM:8.7;Other:5.3,Value:-0.8;Growth:+0.8;Quality:-0.8;Size:+0.5;Momentum:-0.9;LowVol:+0.3,,5,25,4.3,trailing 8%,216,16.0,Sideways,20.6,4.38,2.4,132,-11,32,54,false,Sell,Trim extended winner -1%,10,5,BrokerC,MKT,86,None,None,Normal monitoring,4,-21,68,5,false,Monitor dispersion and breadth
P0394,Cautious,Taxable,USD,2025-01-05,619145,85884,533261,1.0,37.6,33.9,15.7,12.8,BND:23.6%;QQQ:23.6%;GLD:17.8%;AMZN:11.4%;HYG:23.6%,US:74.2;EU:6.0;APAC:7.9;EM:6.7;Other:5.2,Value:-0.9;Growth:-0.8;Quality:-0.6;Size:+0.6;Momentum:-0.4;LowVol:-0.5,MaxPos6%;NoMargin,5,30,3.1,hard 10%,136,16.9,Bull,13.0,4.27,2.3,101,51,90,29,false,Buy,Add to core equity +1%,2,-24,BrokerA,VWAP,87,None,None,Normal monitoring,41,-50,61,4,false,Tighten stops on momentum names
P0395,Hands-off,Roth,USD,2025-01-07,325639,25174,300465,1.0,64.9,25.1,3.9,6.1,BND:21.7%;XLF:10.0%;BRK.B:22.8%;MUB:22.8%;VTI:22.8%,US:61.9;EU:13.0;APAC:9.4;EM:11.2;Other:4.4,Value:-0.4;Growth:+0.1;Quality:-0.1;Size:-0.4;Momentum:-0.6;LowVol:-0.8,ESGOnly;MaxPos7%,7,35,5.3,trailing 8%,166,15.5,Volatile,21.7,5.13,3.1,120,13,69,56,false,Rebalance,Shift +1% to bonds from equity,34,-11,BrokerD,LMT,99,None,None,Normal monitoring,2,-13,-11,4,false,Within IPS guidelines
P0396,Hands-off,Taxable,USD,2024-12-29,695400,34452,660948,1.0,64.9,25.4,2.5,7.2,MSFT:19.4%;BRK.B:25.7%;QQQ:16.6%;TSLA:13.8%;BND:24.5%,US:70.1;EU:7.5;APAC:11.7;EM:8.2;Other:2.5,Value:-0.1;Growth:-0.3;Quality:+0.2;Size:+0.2;Momentum:-0.2;LowVol:-0.5,NoDerivatives,6,25,4.4,hard 10%,168,18.3,Bull,12.7,4.78,2.8,107,75,97,45,false,Sell,Trim extended winner -1%,18,-24,BrokerD,MKT,93,None,None,Normal monitoring,88,-45,71,4,false,Within IPS guidelines
P0397,Hands-off,Roth,USD,2025-05-17,182006,17417,164589,1.0,66.9,25.6,0.0,7.5,IEF:23.1%;TLT:28.4%;TSLA:28.4%;HYG:20.1%,US:76.8;EU:9.8;APAC:5.2;EM:5.3;Other:2.8,Value:+0.3;Growth:+0.4;Quality:-1.0;Size:+0.8;Momentum:-0.0;LowVol:+0.4,ESGOnly;NoDerivatives,5,30,5.2,trailing 8%,161,14.9,Bear,28.5,3.75,1.9,184,-34,46,80,true,Hedge,Buy index puts 1% notional,13,15,BrokerA,LMT,85,VAR>budget,Hedge,Risk above budget threshold,-7,2,123,4,false,Increase defensive factor exposure
P0398,Hands-off,401k,USD,2024-08-29,605553,34302,571251,1.0,64.0,27.6,0.0,8.4,VNQ:18.9%;BRK.B:13.2%;TSLA:22.6%;QQQ:22.6%;VTI:22.6%,US:72.5;EU:13.9;APAC:7.0;EM:3.0;Other:3.6,Value:+0.8;Growth:+0.6;Quality:-0.9;Size:-0.2;Momentum:+0.9;LowVol:+0.4,ESGOnly,8,35,3.8,trailing 8%,103,18.0,Bull,11.8,4.92,3.2,120,103,100,47,true,Reduce,"Cut high-beta by 2-3%, add cash",2,-12,BrokerB,MKT,93,VAR>budget,Hedge,Risk above budget threshold,-37,-36,3,5,false,Tighten stops on momentum names
P0399,Opportunistic,Trust,USD,2025-09-16,851069,58869,792200,1.0,67.0,18.1,6.4,8.6,AAPL:15.1%;BRK.B:24.2%;AMZN:24.2%;VNQ:18.7%;QQQ:17.9%,US:68.2;EU:12.3;APAC:9.3;EM:5.9;Other:4.3,Value:+0.6;Growth:+0.5;Quality:-0.5;Size:+0.4;Momentum:-0.8;LowVol:+0.3,MaxPos7%,6,25,5.1,hard 12%,163,26.7,Volatile,22.6,3.94,4.2,111,-56,17,68,false,Rebalance,Shift +1% to bonds from equity,10,-19,BrokerA,MKT,92,None,None,Normal monitoring,53,20,47,4,false,Tax-aware sells next window
P0400,Opportunistic,Roth,USD,2025-08-22,428391,28341,400050,1.05,69.9,15.6,6.0,8.4,VOO:28.0%;TSLA:28.0%;MUB:28.0%;MSFT:16.1%,US:59.7;EU:18.5;APAC:12.2;EM:8.6;Other:0.9,Value:+0.3;Growth:-0.8;Quality:-0.5;Size:-0.9;Momentum:-0.6;LowVol:-0.6,,7,35,6.2,trailing 7%,170,28.9,Bull,16.0,4.4,2.7,79,3,65,50,false,Rebalance,Shift +1% to bonds from equity,18,-30,BrokerB,LMT,86,None,None,Normal monitoring,-25,-7,-4,5,false,Tighten stops on momentum names
P0401,Hands-off,401k,USD,2025-07-05,651463,60768,590695,1.0,57.6,15.7,19.6,7.1,HYG:33.3%;MSFT:33.3%;AAPL:33.3%,US:62.5;EU:16.9;APAC:13.0;EM:6.5;Other:1.1,Value:+0.5;Growth:-0.5;Quality:+0.2;Size:+0.4;Momentum:-0.2;LowVol:+0.8,,5,25,4.6,trailing 8%,163,12.6,Volatile,31.2,3.78,3.2,123,53,77,67,false,Hedge,Add TLT +1% as duration hedge,-7,3,BrokerD,LMT,88,None,None,Normal monitoring,12,-12,140,4,false,Tax-aware sells next window
P0402,Active,401k,USD,2025-11-17,1418037,109457,1308580,1.12,65.2,25.6,0.0,9.2,HYG:21.5%;MSFT:26.4%;BND:25.7%;VOO:26.4%,US:65.8;EU:13.1;APAC:6.0;EM:10.5;Other:4.6,Value:-0.7;Growth:-0.5;Quality:-0.4;Size:-0.2;Momentum:-0.8;LowVol:-0.5,MaxPos6%,10,25,4.4,trailing 8%,183,23.2,Bull,12.3,4.42,2.6,114,7,46,50,false,Sell,Trim extended winner -1%,24,-17,BrokerB,LMT,86,None,None,Normal monitoring,-60,11,78,5,false,Within IPS guidelines
P0403,Active,Trust,USD,2025-11-13,1736991,178314,1558677,1.0,59.5,20.4,10.4,9.7,MUB:27.1%;VTI:18.8%;HYG:27.1%;IEF:27.1%,US:64.7;EU:16.5;APAC:9.6;EM:8.0;Other:1.3,Value:+0.1;Growth:+0.7;Quality:-0.3;Size:+0.2;Momentum:-0.7;LowVol:+0.4,MaxPos5%,6,35,4.3,trailing 8%,166,18.1,Sideways,16.4,3.99,2.6,129,7,53,39,false,Buy,Add to core equity +1%,31,-21,BrokerD,LMT,99,None,None,Normal monitoring,76,-39,216,3,false,Monitor dispersion and breadth
P0404,Hands-off,Taxable,USD,2025-08-06,661959,59805,602154,1.0,59.7,25.0,9.5,5.9,QQQ:20.8%;GLD:11.6%;AMZN:22.5%;MUB:22.5%;VNQ:22.5%,US:79.0;EU:5.9;APAC:8.0;EM:6.8;Other:0.3,Value:-0.8;Growth:+0.6;Quality:-0.5;Size:-0.1;Momentum:+0.8;LowVol:+0.8,NoDerivatives,5,35,4.0,trailing 8%,110,15.2,Sideways,16.7,4.91,2.7,135,22,69,58,false,Hedge,Add TLT +1% as duration hedge,18,-8,BrokerB,MKT,98,None,None,Normal monitoring,111,-49,226,5,false,Within IPS guidelines
P0405,Opportunistic,Trust,USD,2024-11-08,1330877,99034,1231843,1.0,64.9,16.1,12.6,6.4,IEF:33.3%;MSFT:33.3%;TSLA:33.3%,US:71.4;EU:10.6;APAC:7.6;EM:8.4;Other:1.9,Value:+0.1;Growth:+0.3;Quality:-0.3;Size:+0.8;Momentum:+0.2;LowVol:+0.7,NoDerivatives,6,35,4.9,trailing 9%,187,32.4,Bull,17.5,4.32,2.7,102,99,100,44,false,Rebalance,Shift +1% to bonds from equity,23,-39,BrokerD,MKT,94,None,None,Normal monitoring,-31,-7,7,3,false,Within IPS guidelines
P0406,Opportunistic,401k,USD,2024-08-22,1131695,98182,1033513,1.06,74.0,16.7,2.5,6.8,QQQ:30.6%;MUB:30.6%;HYG:18.2%;VOO:20.5%,US:61.0;EU:19.6;APAC:8.9;EM:8.2;Other:2.3,Value:+0.4;Growth:-0.7;Quality:+0.4;Size:-0.7;Momentum:-0.1;LowVol:+0.3,,5,30,4.0,trailing 9%,208,21.7,Bull,14.6,4.45,3.3,78,21,73,54,false,NoAction,Within bands; monitor,3,-37,BrokerC,LMT,85,None,None,Normal monitoring,-10,16,-17,5,false,Monitor dispersion and breadth
P0407,Systematic,Taxable,USD,2024-12-19,795575,62383,733192,1.0,62.4,21.6,6.3,9.7,AAPL:33.3%;MSFT:33.3%;TLT:33.3%,US:65.8;EU:13.3;APAC:9.1;EM:11.0;Other:0.8,Value:0.0;Growth:+0.3;Quality:-0.9;Size:-0.7;Momentum:+0.2;LowVol:+0.1,MaxPos7%,7,25,5.8,trailing 8%,230,24.2,Bull,11.9,4.97,3.5,83,45,80,50,false,Sell,Trim extended winner -1%,12,-33,BrokerA,MKT,96,None,None,Normal monitoring,42,-4,76,5,false,Increase defensive factor exposure
P0408,Cautious,Trust,USD,2025-01-17,858602,135716,722886,1.0,38.7,33.4,11.4,16.5,TSLA:33.3%;QQQ:33.3%;BRK.B:33.3%,US:65.5;EU:11.2;APAC:13.2;EM:9.2;Other:0.8,Value:+0.3;Growth:+0.5;Quality:-0.7;Size:+0.6;Momentum:-0.9;LowVol:+0.2,ESGOnly;NoDerivatives;NoMargin,7,35,4.4,trailing 8%,150,12.3,Volatile,30.3,4.4,2.3,171,65,92,72,true,Hedge,Buy index puts 1% notional,18,-17,BrokerD,MKT,87,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-25,-12,52,4,false,Within IPS guidelines
P0409,Systematic,401k,USD,2025-12-15,1166781,99601,1067180,1.0,66.5,22.2,5.3,6.0,TLT:23.8%;BND:23.8%;VOO:23.8%;QQQ:9.5%;BRK.B:19.0%,US:62.9;EU:11.0;APAC:15.1;EM:6.2;Other:4.8,Value:-0.8;Growth:-0.8;Quality:-0.1;Size:-0.6;Momentum:+0.3;LowVol:+0.9,,7,35,5.4,trailing 8%,202,19.0,Bull,16.7,3.89,3.1,78,81,85,59,false,Sell,Trim extended winner -1%,15,-18,BrokerC,LMT,91,None,None,Normal monitoring,-21,-31,57,3,false,Tighten stops on momentum names
P0410,Active,Roth,USD,2025-05-25,2420431,244990,2175441,1.0,58.5,19.6,12.6,9.3,AMZN:10.6%;IEF:22.4%;GLD:22.4%;TLT:22.4%;QQQ:22.4%,US:64.5;EU:19.1;APAC:5.4;EM:10.6;Other:0.4,Value:-1.0;Growth:-0.1;Quality:+0.5;Size:-0.8;Momentum:+0.1;LowVol:+0.6,,5,35,5.6,hard 12%,163,16.6,Bull,16.5,3.8,3.0,70,15,63,52,false,Sell,Trim extended winner -1%,24,-29,BrokerD,MKT,87,None,None,Normal monitoring,-20,-50,-24,3,false,Increase defensive factor exposure
P0411,Opportunistic,IRA,USD,2025-11-21,1295218,101484,1193734,1.0,63.6,20.0,11.7,4.7,TSLA:24.2%;XLF:25.3%;IEF:25.3%;AMZN:25.3%,US:63.1;EU:20.0;APAC:5.8;EM:9.1;Other:2.0,Value:-1.0;Growth:-1.0;Quality:0.0;Size:-0.6;Momentum:-0.9;LowVol:+1.0,,7,30,4.1,hard 12%,222,25.9,Sideways,17.7,3.88,2.7,98,11,59,63,false,Rebalance,Shift +1% to bonds from equity,35,-11,BrokerA,LMT,88,None,None,Normal monitoring,73,19,196,3,false,Tighten stops on momentum names
P0412,Active,Taxable,USD,2024-07-30,2329660,206127,2123533,1.23,63.9,29.9,0.0,6.2,TLT:19.6%;BRK.B:26.8%;AAPL:26.8%;TSLA:26.8%,US:69.3;EU:15.6;APAC:4.7;EM:9.0;Other:1.4,Value:-0.2;Growth:-0.2;Quality:-0.2;Size:-0.6;Momentum:-0.8;LowVol:-0.9,NoDerivatives,6,30,4.8,trailing 9%,202,20.8,Volatile,21.1,4.01,2.3,115,11,70,54,false,Rebalance,Shift +1% to bonds from equity,12,-32,BrokerD,MKT,99,None,None,Normal monitoring,-4,-53,6,3,false,Tighten stops on momentum names
P0413,Active,401k,USD,2025-11-12,1042986,102456,940530,1.1,54.5,27.9,11.5,6.0,MSFT:33.3%;TSLA:33.3%;QQQ:33.3%,US:68.1;EU:13.1;APAC:10.7;EM:7.3;Other:0.8,Value:-0.8;Growth:-0.4;Quality:-0.9;Size:-0.6;Momentum:-0.1;LowVol:+0.5,MaxPos6%,6,30,5.0,hard 12%,174,17.9,Volatile,30.4,5.5,3.4,153,59,84,74,true,Reduce,"Cut high-beta by 2-3%, add cash",23,-40,BrokerA,LMT,97,RegimeShift,Reduce,Volatility spike and breadth deterioration,26,-49,151,2,false,Monitor dispersion and breadth
P0414,Opportunistic,401k,USD,2025-12-06,1696310,51056,1645254,1.0,75.4,16.8,0.0,7.8,VNQ:21.0%;MUB:20.4%;BND:12.0%;XLF:21.0%;HYG:12.9%;VTI:12.7%,US:63.0;EU:16.1;APAC:6.8;EM:12.4;Other:1.7,Value:-0.0;Growth:+0.2;Quality:+0.1;Size:+1.0;Momentum:-0.1;LowVol:-0.3,,8,30,5.5,hard 12%,233,29.6,Bear,23.8,4.48,2.3,199,10,49,79,true,Hedge,Buy index puts 1% notional,27,-10,BrokerD,MKT,97,Drift>tolerance,Reduce,Allocation drift beyond policy bands,35,-42,79,4,false,Monitor dispersion and breadth
P0415,Active,401k,USD,2025-02-27,2042512,177100,1865412,1.0,66.1,24.5,0.0,9.5,XLF:33.3%;AMZN:33.3%;QQQ:33.3%,US:63.1;EU:13.2;APAC:9.8;EM:10.4;Other:3.6,Value:+0.7;Growth:-0.4;Quality:+0.9;Size:+0.7;Momentum:+0.8;LowVol:+0.1,,5,25,5.0,trailing 8%,216,21.9,Bull,15.3,4.68,2.3,115,15,61,51,false,Rebalance,Shift +1% to bonds from equity,18,9,BrokerB,MKT,86,None,None,Normal monitoring,-42,13,45,4,false,Tax-aware sells next window
P0416,Cautious,Trust,USD,2024-09-14,708873,81678,627195,1.0,36.3,30.6,22.4,10.8,MSFT:25.0%;AAPL:25.0%;VTI:25.0%;TSLA:25.0%,US:71.2;EU:12.5;APAC:11.0;EM:2.9;Other:2.4,Value:-0.6;Growth:-0.6;Quality:+0.1;Size:+0.2;Momentum:+0.6;LowVol:+0.4,ESGOnly;MaxPos8%;NoMargin,6,30,3.0,trailing 10%,94,12.3,Bear,33.2,3.83,2.5,156,-66,32,73,true,Hedge,Buy index puts 1% notional,0,11,BrokerB,LMT,98,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-8,8,-9,4,false,Within IPS guidelines
P0417,Opportunistic,401k,USD,2024-12-03,1347024,113800,1233224,1.0,61.4,13.6,17.0,8.0,BND:15.6%;BRK.B:20.7%;AMZN:20.7%;HYG:17.5%;GLD:17.3%;VNQ:8.1%,US:72.0;EU:14.5;APAC:6.7;EM:5.4;Other:1.4,Value:+0.7;Growth:-0.0;Quality:-0.5;Size:-0.3;Momentum:+0.8;LowVol:-0.4,MaxPos6%,8,25,5.3,trailing 9%,275,30.9,Bull,11.1,4.16,2.0,106,47,74,41,true,Rebalance,Rebalance back to target bands,-8,-28,BrokerB,LMT,93,RegimeShift,TightenStops,Volatility spike and breadth deterioration,30,-28,161,3,false,Tighten stops on momentum names
P0418,Hands-off,Roth,USD,2025-07-30,295924,18316,277608,1.0,66.1,20.3,8.4,5.3,TSLA:16.3%;GLD:20.1%;BND:14.5%;MSFT:17.6%;HYG:12.5%;VOO:19.0%,US:67.2;EU:8.4;APAC:12.4;EM:7.7;Other:4.3,Value:+0.1;Growth:-0.5;Quality:+0.9;Size:+0.3;Momentum:+0.2;LowVol:+0.6,,6,30,3.3,hard 10%,142,19.3,Volatile,27.8,5.17,2.2,110,5,37,76,true,Rebalance,Rebalance back to target bands,29,-12,BrokerD,MKT,86,RegimeShift,Reduce,Volatility spike and breadth deterioration,93,14,198,2,false,Tax-aware sells next window
P0419,Hands-off,IRA,USD,2024-08-15,459144,20702,438442,1.0,63.5,26.7,0.0,9.8,TSLA:28.0%;VNQ:28.0%;VTI:16.1%;BRK.B:28.0%,US:72.9;EU:8.8;APAC:10.9;EM:4.8;Other:2.6,Value:+0.8;Growth:+0.8;Quality:+0.7;Size:-0.9;Momentum:-0.8;LowVol:+0.8,ESGOnly,10,30,4.3,trailing 10%,112,16.2,Volatile,22.1,5.01,3.7,120,44,86,63,false,Hedge,Add TLT +1% as duration hedge,-5,-4,BrokerA,MKT,92,None,None,Normal monitoring,-42,16,-17,5,false,Monitor dispersion and breadth
P0420,Active,Trust,USD,2025-06-23,1413663,127179,1286484,1.17,62.5,29.9,0.0,7.6,BRK.B:22.5%;TLT:13.4%;HYG:11.7%;GLD:15.7%;IEF:14.1%;TSLA:22.5%,US:69.1;EU:12.0;APAC:4.6;EM:9.9;Other:4.4,Value:-0.4;Growth:-0.3;Quality:-0.1;Size:-0.9;Momentum:-0.7;LowVol:+0.5,,7,25,5.9,hard 12%,150,27.3,Volatile,20.7,5.22,2.3,152,-41,36,62,false,Buy,Add to core equity +1%,21,-32,BrokerA,MKT,94,None,None,Normal monitoring,-11,16,49,3,false,Increase defensive factor exposure
P0421,Active,Taxable,USD,2025-09-19,1871154,134599,1736555,1.0,59.6,25.0,9.2,6.3,VTI:33.3%;QQQ:33.3%;MUB:33.3%,US:63.5;EU:12.9;APAC:10.0;EM:12.4;Other:1.3,Value:-0.5;Growth:-0.5;Quality:-0.3;Size:+0.8;Momentum:+0.7;LowVol:+0.4,,5,35,5.8,trailing 9%,182,17.8,Bull,15.0,4.66,2.3,87,106,88,55,false,Sell,Trim extended winner -1%,-4,-13,BrokerC,LMT,95,None,None,Normal monitoring,-8,-19,-32,3,false,Tighten stops on momentum names
P0422,Cautious,401k,USD,2024-11-07,501767,73432,428335,1.0,42.9,43.4,0.2,13.4,AAPL:26.8%;TSLA:19.7%;AMZN:26.8%;BRK.B:26.8%,US:68.1;EU:10.1;APAC:13.5;EM:3.6;Other:4.6,Value:+0.9;Growth:-1.0;Quality:-0.9;Size:+0.2;Momentum:-1.0;LowVol:+1.0,ESGOnly;NoMargin,10,30,5.7,trailing 8%,143,12.4,Bull,17.6,4.4,2.1,103,25,73,47,false,Buy,Add to core equity +1%,6,-17,BrokerD,MKT,97,None,None,Normal monitoring,-32,-42,74,3,false,Monitor dispersion and breadth
P0423,Cautious,Roth,USD,2024-09-17,332951,50685,282266,1.0,44.3,35.1,7.4,13.1,TSLA:22.2%;GLD:21.3%;AMZN:21.5%;MSFT:13.5%;IEF:21.4%,US:65.2;EU:10.0;APAC:8.7;EM:10.7;Other:5.5,Value:-0.6;Growth:-0.1;Quality:+0.6;Size:-0.8;Momentum:-0.3;LowVol:+0.2,NoMargin,10,35,5.5,trailing 8%,165,14.8,Volatile,25.9,3.54,2.7,130,24,71,50,false,Rebalance,Shift +1% to bonds from equity,15,-23,BrokerA,MKT,91,None,None,Normal monitoring,9,-52,116,3,false,Within IPS guidelines
P0424,Systematic,401k,USD,2024-09-30,577527,52827,524700,1.0,60.2,28.8,2.7,8.3,AAPL:33.3%;BND:33.3%;AMZN:33.3%,US:65.4;EU:8.2;APAC:14.7;EM:11.1;Other:0.7,Value:+0.3;Growth:-1.0;Quality:-0.8;Size:-1.0;Momentum:+1.0;LowVol:+0.1,,8,30,5.5,hard 12%,135,18.8,Volatile,26.5,5.32,3.4,151,33,60,75,true,Hedge,Buy index puts 1% notional,-1,-34,BrokerB,LMT,86,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-57,20,-25,3,false,Increase defensive factor exposure
P0425,Systematic,Roth,USD,2025-03-24,527875,30703,497172,1.0,62.4,30.4,0.0,7.2,VTI:21.5%;BRK.B:18.9%;AAPL:21.5%;TSLA:16.5%;IEF:21.5%,US:63.6;EU:10.0;APAC:12.5;EM:12.2;Other:1.7,Value:-1.0;Growth:+0.2;Quality:-0.6;Size:-0.3;Momentum:-0.1;LowVol:-0.7,,6,30,5.7,trailing 8%,148,20.7,Volatile,26.3,4.44,2.4,149,14,59,78,true,Reduce,"Cut high-beta by 2-3%, add cash",-12,-27,BrokerD,LMT,96,VAR>budget,Reduce,Risk above budget threshold,-53,19,-10,5,false,Tax-aware sells next window
P0426,Opportunistic,Taxable,USD,2024-11-12,794456,24403,770053,1.17,73.5,16.9,3.5,6.1,MSFT:33.3%;TSLA:33.3%;MUB:33.3%,US:67.2;EU:14.8;APAC:11.3;EM:4.6;Other:2.1,Value:+0.8;Growth:+0.9;Quality:+0.6;Size:+0.7;Momentum:+0.6;LowVol:0.0,,7,25,5.6,hard 12%,238,30.3,Bull,11.1,3.63,2.2,98,112,100,41,false,Rebalance,Shift +1% to bonds from equity,18,-19,BrokerB,LMT,95,None,None,Normal monitoring,76,-10,181,3,false,Within IPS guidelines
P0427,Opportunistic,Trust,USD,2024-08-16,1546663,54960,1491703,1.15,66.5,21.2,6.3,6.0,MSFT:8.5%;TLT:21.7%;BND:8.4%;MUB:18.0%;HYG:21.7%;BRK.B:21.7%,US:61.5;EU:14.8;APAC:15.6;EM:5.0;Other:3.0,Value:-0.8;Growth:+0.1;Quality:+0.2;Size:-0.9;Momentum:+0.1;LowVol:+0.5,MaxPos6%;NoDerivatives,7,35,5.9,trailing 7%,172,25.2,Sideways,15.7,3.6,3.4,107,-14,49,56,false,Hedge,Add TLT +1% as duration hedge,-11,11,BrokerC,MKT,99,None,None,Normal monitoring,-5,18,50,3,false,Tax-aware sells next window
P0428,Opportunistic,401k,USD,2024-12-11,818729,63690,755039,1.14,76.9,12.3,5.3,5.5,MUB:14.3%;MSFT:19.8%;HYG:20.8%;VOO:22.6%;XLF:22.6%,US:67.0;EU:13.9;APAC:11.9;EM:3.4;Other:3.9,Value:-0.3;Growth:-0.4;Quality:+0.1;Size:-0.7;Momentum:+0.5;LowVol:-0.4,NoDerivatives,10,25,4.0,trailing 7%,209,24.3,Bear,28.2,3.31,2.2,214,-115,5,80,true,Hedge,Buy index puts 1% notional,7,-17,BrokerA,VWAP,90,Drift>tolerance,Pause,Allocation drift beyond policy bands,31,-40,109,5,false,Within IPS guidelines
P0429,Hands-off,IRA,USD,2025-04-22,530038,47956,482082,1.0,66.6,26.3,0.0,7.2,AMZN:29.1%;VTI:26.8%;IEF:29.1%;AAPL:15.1%,US:69.9;EU:6.3;APAC:13.2;EM:6.7;Other:3.9,Value:-0.8;Growth:-0.3;Quality:-0.5;Size:+0.5;Momentum:-0.5;LowVol:0.0,,6,30,3.8,hard 10%,136,12.2,Volatile,30.1,5.42,4.3,133,-22,24,82,true,Rebalance,Rebalance back to target bands,30,-11,BrokerC,MKT,87,VAR>budget,Hedge,Risk above budget threshold,-20,-40,23,4,false,Tighten stops on momentum names
P0430,Active,IRA,USD,2025-07-27,1725844,126558,1599286,1.0,59.2,20.8,10.2,9.8,AAPL:22.9%;MSFT:17.6%;VOO:22.9%;TLT:13.9%;HYG:22.9%,US:60.2;EU:20.0;APAC:12.8;EM:5.6;Other:1.4,Value:-0.8;Growth:0.0;Quality:+1.0;Size:+0.4;Momentum:+0.6;LowVol:0.0,MaxPos6%,7,35,6.0,hard 12%,148,22.0,Sideways,16.1,4.18,2.1,107,36,53,57,false,Buy,Add to core equity +1%,-1,-16,BrokerD,MKT,88,None,None,Normal monitoring,0,16,76,4,false,Tax-aware sells next window
P0431,Opportunistic,Roth,USD,2025-06-15,1475569,114813,1360756,1.21,72.5,14.6,5.0,7.9,BND:25.3%;BRK.B:25.3%;VNQ:25.3%;AAPL:24.0%,US:70.4;EU:10.3;APAC:11.1;EM:5.8;Other:2.5,Value:+0.7;Growth:-0.1;Quality:+0.2;Size:-0.1;Momentum:-0.5;LowVol:+1.0,MaxPos7%;NoDerivatives,10,25,4.2,trailing 9%,240,26.4,Bull,14.3,4.92,2.2,71,30,56,44,false,Rebalance,Shift +1% to bonds from equity,6,12,BrokerA,LMT,87,None,None,Normal monitoring,22,20,113,4,false,Increase defensive factor exposure
P0432,Active,IRA,USD,2025-07-02,2047040,172406,1874634,1.0,51.6,27.4,13.0,8.0,AMZN:33.3%;TSLA:33.3%;BND:33.3%,US:55.8;EU:19.0;APAC:8.5;EM:12.9;Other:3.8,Value:-0.3;Growth:-0.7;Quality:+0.9;Size:-1.0;Momentum:-0.6;LowVol:+0.7,MaxPos8%;NoDerivatives,8,25,5.9,trailing 9%,229,27.6,Sideways,18.2,4.66,2.5,112,-24,38,52,false,Rebalance,Shift +1% to bonds from equity,17,-32,BrokerD,VWAP,91,None,None,Normal monitoring,14,-22,12,3,false,Within IPS guidelines
P0433,Hands-off,IRA,USD,2025-12-18,230828,21728,209100,1.0,57.0,18.6,17.3,7.1,MSFT:33.3%;BND:33.3%;AAPL:33.3%,US:52.2;EU:19.9;APAC:12.3;EM:11.9;Other:3.8,Value:+0.4;Growth:+0.3;Quality:+0.5;Size:-0.5;Momentum:-0.6;LowVol:-0.7,ESGOnly;MaxPos7%;NoDerivatives,5,25,4.8,trailing 8%,105,15.7,Bull,16.6,4.21,2.3,112,104,100,51,true,Hedge,Buy index puts 1% notional,31,-14,BrokerA,MKT,89,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-47,-10,24,3,false,Within IPS guidelines
P0434,Opportunistic,Trust,USD,2025-01-16,1052847,94642,958205,1.0,76.2,11.0,4.7,8.1,BND:12.0%;XLF:9.4%;MUB:22.2%;GLD:16.8%;TLT:18.7%;MSFT:20.9%,US:72.0;EU:13.6;APAC:5.5;EM:5.0;Other:3.8,Value:+0.7;Growth:0.0;Quality:-0.7;Size:+0.9;Momentum:-0.6;LowVol:+0.8,,10,30,5.5,trailing 7%,204,32.1,Volatile,24.3,4.48,2.5,173,-44,33,80,true,Rebalance,Rebalance back to target bands,21,-39,BrokerD,LMT,99,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-29,-16,-69,5,false,Increase defensive factor exposure
P0435,Opportunistic,Trust,USD,2024-08-25,1149350,37913,1111437,1.0,71.1,17.1,6.4,5.4,MSFT:21.4%;BRK.B:21.4%;TSLA:14.3%;BND:21.4%;XLF:21.4%,US:63.8;EU:8.1;APAC:13.3;EM:9.6;Other:5.2,Value:+0.7;Growth:+0.1;Quality:-0.8;Size:+0.3;Momentum:-0.1;LowVol:-0.8,MaxPos5%,8,35,5.5,trailing 9%,259,33.2,Volatile,20.2,4.46,4.0,118,31,74,55,false,Buy,Add to core equity +1%,-12,-36,BrokerD,MKT,88,None,None,Normal monitoring,78,-57,196,4,false,Monitor dispersion and breadth
P0436,Active,401k,USD,2025-09-11,1987900,209320,1778580,1.0,68.0,21.3,4.7,5.9,XLF:5.8%;VOO:17.1%;TLT:18.4%;QQQ:20.7%;GLD:17.1%;VTI:20.7%,US:66.2;EU:14.4;APAC:8.4;EM:10.2;Other:0.7,Value:+0.7;Growth:+0.9;Quality:+0.7;Size:-0.5;Momentum:0.0;LowVol:+0.1,NoDerivatives,6,25,5.2,trailing 8%,216,27.4,Bear,26.7,3.35,2.3,147,-91,6,72,true,Rebalance,Rebalance back to target bands,-5,9,BrokerD,LMT,100,Drift>tolerance,Reduce,Allocation drift beyond policy bands,105,-20,193,2,false,Monitor dispersion and breadth
P0437,Hands-off,Roth,USD,2025-01-09,262900,11014,251886,1.0,72.6,16.7,5.1,5.5,QQQ:33.3%;GLD:33.3%;TSLA:33.3%,US:69.9;EU:11.7;APAC:5.7;EM:8.3;Other:4.5,Value:-0.3;Growth:-0.6;Quality:-0.3;Size:-0.2;Momentum:+0.6;LowVol:-0.7,ESGOnly;NoDerivatives,5,35,5.6,trailing 8%,150,17.5,Bear,27.5,3.66,1.6,133,0,54,70,false,Rebalance,Shift +1% to bonds from equity,5,-28,BrokerC,MKT,88,None,None,Normal monitoring,95,-27,170,5,false,Tax-aware sells next window
P0438,Cautious,Trust,USD,2025-12-05,872912,83219,789693,1.0,41.7,31.4,10.2,16.7,BND:18.0%;VTI:26.7%;VOO:27.7%;AMZN:27.7%,US:66.7;EU:11.4;APAC:13.0;EM:8.5;Other:0.3,Value:+0.7;Growth:-0.7;Quality:+0.5;Size:-0.8;Momentum:+0.9;LowVol:+0.1,MaxPos6%;NoMargin,7,30,4.8,trailing 8%,120,15.7,Bull,17.1,3.87,3.4,82,92,100,43,true,Reduce,"Cut high-beta by 2-3%, add cash",18,-9,BrokerB,LMT,86,VAR>budget,Hedge,Risk above budget threshold,-6,-50,124,4,false,Monitor dispersion and breadth
P0439,Cautious,Roth,USD,2025-08-29,168037,23102,144935,1.0,43.2,37.3,9.3,10.2,VTI:23.2%;VNQ:24.1%;AAPL:24.1%;QQQ:18.3%;TLT:10.3%,US:64.7;EU:20.3;APAC:11.1;EM:3.6;Other:0.3,Value:+0.5;Growth:-0.5;Quality:+0.5;Size:-0.9;Momentum:+1.0;LowVol:+0.8,NoMargin,8,35,4.7,trailing 8%,94,19.9,Bull,12.9,4.65,2.2,103,12,62,26,false,Buy,Add to core equity +1%,17,-24,BrokerB,VWAP,90,None,None,Normal monitoring,-30,19,94,3,false,Increase defensive factor exposure
P0440,Hands-off,Taxable,USD,2025-07-29,363218,20514,342704,1.0,58.2,15.6,18.5,7.7,HYG:23.1%;VOO:12.5%;TLT:23.1%;MUB:20.0%;AMZN:21.4%,US:61.9;EU:19.3;APAC:8.3;EM:10.4;Other:0.1,Value:-0.8;Growth:-0.1;Quality:+0.1;Size:-0.5;Momentum:-0.6;LowVol:+0.4,ESGOnly;MaxPos7%,7,35,5.7,trailing 10%,145,15.0,Sideways,14.6,3.86,2.8,122,22,60,35,false,Rebalance,Shift +1% to bonds from equity,-4,9,BrokerA,LMT,91,None,None,Normal monitoring,28,-19,136,5,false,Tighten stops on momentum names
P0441,Hands-off,401k,USD,2024-07-09,771770,63307,708463,1.0,62.8,29.2,0.0,8.0,AAPL:24.0%;VOO:24.0%;VTI:24.0%;TLT:11.1%;GLD:16.9%,US:73.7;EU:9.7;APAC:7.3;EM:4.0;Other:5.3,Value:-0.1;Growth:+0.2;Quality:-0.9;Size:+0.9;Momentum:+0.3;LowVol:-0.5,MaxPos8%,6,25,3.9,trailing 10%,163,16.2,Volatile,26.5,5.1,2.3,132,13,50,74,true,Rebalance,Rebalance back to target bands,10,-33,BrokerB,LMT,100,VAR>budget,TightenStops,Risk above budget threshold,104,-43,114,4,false,Within IPS guidelines
P0442,Cautious,Roth,USD,2024-11-08,783898,66180,717718,1.0,40.6,38.6,8.3,12.5,XLF:33.6%;HYG:33.6%;TLT:32.7%,US:72.7;EU:9.0;APAC:8.9;EM:8.0;Other:1.4,Value:+0.8;Growth:-0.7;Quality:+0.1;Size:-0.1;Momentum:+0.3;LowVol:-0.9,ESGOnly;NoMargin,6,25,5.4,hard 10%,99,16.6,Sideways,16.9,4.45,2.4,109,15,46,30,false,Sell,Trim extended winner -1%,15,-35,BrokerA,VWAP,86,None,None,Normal monitoring,113,-24,226,3,false,Within IPS guidelines
P0443,Systematic,Taxable,USD,2025-06-13,551954,36739,515215,1.0,65.1,27.6,0.0,7.3,GLD:25.0%;IEF:25.0%;MUB:25.0%;AMZN:25.0%,US:74.0;EU:9.6;APAC:7.7;EM:7.5;Other:1.3,Value:-0.9;Growth:+0.7;Quality:0.0;Size:-0.4;Momentum:+0.2;LowVol:+0.7,,5,35,5.0,trailing 9%,230,24.4,Bull,11.2,3.73,2.5,74,1,61,49,false,Buy,Add to core equity +1%,3,13,BrokerA,MKT,100,None,None,Normal monitoring,57,-38,106,4,false,Monitor dispersion and breadth
P0444,Hands-off,IRA,USD,2024-12-16,658295,53156,605139,1.0,71.1,17.1,4.6,7.1,MSFT:21.0%;IEF:22.1%;VTI:28.4%;QQQ:28.4%,US:67.8;EU:18.0;APAC:6.8;EM:3.9;Other:3.6,Value:-0.3;Growth:-0.8;Quality:-0.0;Size:+0.1;Momentum:+0.4;LowVol:+0.4,ESGOnly,8,35,3.6,hard 10%,167,14.0,Bull,14.6,4.27,2.1,92,78,77,58,false,Sell,Trim extended winner -1%,35,-17,BrokerB,VWAP,98,None,None,Normal monitoring,106,-46,118,4,false,Monitor dispersion and breadth
P0445,Systematic,Trust,USD,2025-01-13,829020,61723,767297,1.0,65.3,26.7,0.0,7.9,AAPL:21.7%;TSLA:21.4%;VOO:21.7%;GLD:10.1%;IEF:9.4%;BND:15.7%,US:67.8;EU:11.2;APAC:9.4;EM:8.0;Other:3.5,Value:+0.9;Growth:-0.1;Quality:-0.0;Size:+0.7;Momentum:+0.7;LowVol:-0.4,MaxPos6%,10,25,4.7,hard 12%,198,20.8,Volatile,31.0,5.22,2.3,165,-47,28,88,true,Rebalance,Rebalance back to target bands,-15,-36,BrokerC,LMT,87,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-30,-59,-68,3,false,Increase defensive factor exposure
P0446,Hands-off,Roth,USD,2024-10-28,335207,24376,310831,1.0,70.9,16.0,4.0,9.2,QQQ:29.7%;AMZN:35.1%;VNQ:35.1%,US:68.8;EU:13.6;APAC:11.9;EM:3.6;Other:2.1,Value:-0.4;Growth:+0.5;Quality:-0.9;Size:+0.8;Momentum:+0.8;LowVol:+0.3,ESGOnly;NoDerivatives,6,25,5.3,hard 10%,119,18.2,Volatile,21.3,5.1,3.4,139,10,47,71,true,Rebalance,Rebalance back to target bands,7,-2,BrokerC,MKT,100,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-23,17,95,3,false,Within IPS guidelines
P0447,Hands-off,IRA,USD,2025-06-24,183102,16361,166741,1.0,71.0,18.2,3.6,7.2,HYG:26.7%;BND:36.6%;BRK.B:36.6%,US:63.5;EU:13.2;APAC:7.2;EM:14.6;Other:1.4,Value:-0.9;Growth:-0.3;Quality:+0.8;Size:+0.2;Momentum:-0.8;LowVol:-0.3,MaxPos6%,8,35,3.7,trailing 10%,142,17.0,Bull,11.9,4.29,3.4,119,31,72,55,false,Rebalance,Shift +1% to bonds from equity,19,-22,BrokerD,MKT,87,None,None,Normal monitoring,-38,-1,46,5,false,Tighten stops on momentum names
P0448,Opportunistic,Trust,USD,2025-09-30,1664158,137584,1526574,1.0,71.2,18.3,3.0,7.4,BND:17.5%;VNQ:10.8%;TLT:20.4%;GLD:16.6%;VOO:23.1%;HYG:11.7%,US:64.8;EU:16.5;APAC:11.6;EM:6.6;Other:0.5,Value:+0.5;Growth:-0.7;Quality:-0.4;Size:-0.5;Momentum:+0.3;LowVol:-0.2,,8,25,5.7,trailing 9%,238,26.0,Bull,17.3,3.77,3.0,97,95,100,62,false,Rebalance,Shift +1% to bonds from equity,33,12,BrokerB,LMT,95,None,None,Normal monitoring,32,-50,172,4,false,Tax-aware sells next window
P0449,Hands-off,Taxable,USD,2025-04-16,869205,61693,807512,1.0,74.6,19.7,0.0,5.8,BND:33.3%;GLD:33.3%;AMZN:33.3%,US:65.7;EU:15.1;APAC:13.6;EM:3.6;Other:2.0,Value:+0.9;Growth:+0.9;Quality:0.0;Size:-0.5;Momentum:+0.7;LowVol:+0.5,,10,30,4.5,trailing 10%,138,12.8,Bear,34.0,4.16,1.3,179,23,64,97,true,Hedge,Buy index puts 1% notional,28,10,BrokerB,MKT,93,Drift>tolerance,Pause,Allocation drift beyond policy bands,116,-27,77,4,false,Tighten stops on momentum names
P0450,Hands-off,IRA,USD,2025-05-24,198507,13579,184928,1.0,64.3,28.5,0.0,7.2,VNQ:18.5%;GLD:27.2%;AMZN:27.2%;AAPL:27.2%,US:64.2;EU:11.5;APAC:14.8;EM:4.5;Other:5.0,Value:-0.8;Growth:-0.4;Quality:+0.2;Size:-0.6;Momentum:+0.4;LowVol:-0.2,NoDerivatives,7,30,3.6,trailing 8%,93,13.2,Sideways,16.7,4.57,2.9,123,28,50,56,false,Sell,Trim extended winner -1%,-4,-5,BrokerD,VWAP,86,None,None,Normal monitoring,62,16,97,4,false,Increase defensive factor exposure
P0451,Hands-off,Taxable,USD,2025-05-08,853863,72491,781372,1.0,69.9,23.9,0.0,6.1,MUB:21.0%;AAPL:26.3%;TLT:26.3%;MSFT:26.3%,US:65.7;EU:17.0;APAC:5.1;EM:9.1;Other:3.0,Value:-0.9;Growth:-0.4;Quality:+0.7;Size:+1.0;Momentum:+0.7;LowVol:+0.6,ESGOnly;MaxPos8%,6,25,4.5,trailing 8%,133,19.5,Bull,13.5,4.69,3.3,97,18,53,42,true,Hedge,Buy index puts 1% notional,15,-10,BrokerA,LMT,94,VAR>budget,Reduce,Risk above budget threshold,56,18,132,5,false,Tighten stops on momentum names
P0452,Cautious,401k,USD,2024-11-30,610983,66836,544147,1.0,42.9,42.1,0.0,15.1,MUB:14.7%;BRK.B:21.3%;MSFT:7.5%;VNQ:18.1%;AMZN:17.1%;AAPL:21.3%,US:70.1;EU:14.1;APAC:8.9;EM:3.5;Other:3.4,Value:+0.7;Growth:+0.3;Quality:+0.9;Size:-0.1;Momentum:0.0;LowVol:+0.8,MaxPos8%;NoMargin,6,30,5.6,trailing 8%,100,16.9,Volatile,26.1,3.51,2.3,160,35,66,59,false,Buy,Add to core equity +1%,13,5,BrokerD,MKT,92,None,None,Normal monitoring,-24,-14,-59,3,false,Monitor dispersion and breadth
P0453,Active,Roth,USD,2024-11-19,1691071,188353,1502718,1.0,51.4,19.4,21.3,7.9,MSFT:33.3%;QQQ:33.3%;VOO:33.3%,US:65.7;EU:19.7;APAC:5.3;EM:7.6;Other:1.6,Value:-0.1;Growth:+0.6;Quality:-0.8;Size:+0.6;Momentum:+0.8;LowVol:-0.0,NoDerivatives,8,25,5.4,trailing 9%,229,25.6,Volatile,28.1,4.05,4.2,133,3,63,70,false,Rebalance,Shift +1% to bonds from equity,22,-14,BrokerA,VWAP,86,None,None,Normal monitoring,5,-36,140,5,false,Tax-aware sells next window
P0454,Systematic,401k,USD,2024-08-24,1584098,153079,1431019,1.0,66.5,28.4,0.0,5.1,VOO:22.0%;IEF:16.0%;AMZN:31.0%;XLF:31.0%,US:67.8;EU:12.1;APAC:10.4;EM:9.5;Other:0.4,Value:-0.9;Growth:-0.9;Quality:+0.2;Size:0.0;Momentum:+0.4;LowVol:-0.2,,8,30,5.4,trailing 8%,139,19.2,Sideways,15.5,4.52,2.8,110,12,70,47,false,Rebalance,Shift +1% to bonds from equity,25,-26,BrokerD,LMT,87,None,None,Normal monitoring,30,13,27,5,false,Within IPS guidelines
P0455,Active,Roth,USD,2025-03-21,1021359,63861,957498,1.0,57.9,18.8,16.1,7.3,BND:33.3%;QQQ:33.3%;VTI:33.3%,US:56.9;EU:16.7;APAC:15.2;EM:7.4;Other:3.7,Value:-0.8;Growth:+0.9;Quality:-0.6;Size:-0.2;Momentum:-0.0;LowVol:-0.7,NoDerivatives,10,35,5.7,hard 12%,131,23.5,Sideways,14.1,3.79,3.4,124,46,60,39,false,Sell,Trim extended winner -1%,-1,-25,BrokerD,LMT,86,None,None,Normal monitoring,97,5,57,3,false,Within IPS guidelines
P0456,Opportunistic,Taxable,USD,2025-07-05,1298784,45739,1253045,1.0,66.8,13.1,15.5,4.7,VTI:28.2%;BND:28.2%;GLD:15.3%;VOO:28.2%,US:63.8;EU:8.7;APAC:11.6;EM:12.5;Other:3.4,Value:+0.4;Growth:+0.4;Quality:-0.4;Size:-0.4;Momentum:+0.4;LowVol:+0.3,MaxPos6%,7,30,6.0,trailing 7%,176,27.5,Bull,15.5,3.68,2.2,84,33,56,51,false,Buy,Add to core equity +1%,11,6,BrokerD,MKT,94,None,None,Normal monitoring,-16,-33,-6,3,false,Tax-aware sells next window
P0457,Opportunistic,Trust,USD,2024-07-21,865267,34916,830351,1.0,71.2,16.2,8.0,4.7,BRK.B:18.3%;VTI:27.7%;MUB:26.2%;MSFT:27.7%,US:66.7;EU:5.9;APAC:16.7;EM:9.2;Other:1.5,Value:-0.4;Growth:-0.1;Quality:+0.3;Size:-0.9;Momentum:+1.0;LowVol:-0.7,,8,30,4.4,trailing 7%,252,33.1,Volatile,29.3,4.68,3.4,148,4,40,89,true,Reduce,"Cut high-beta by 2-3%, add cash",-5,11,BrokerC,LMT,91,Drift>tolerance,Hedge,Allocation drift beyond policy bands,120,-54,170,3,false,Within IPS guidelines
P0458,Hands-off,401k,USD,2025-06-07,249262,18176,231086,1.0,59.8,23.2,9.5,7.5,AAPL:33.3%;HYG:33.3%;QQQ:33.3%,US:64.7;EU:12.7;APAC:11.5;EM:9.1;Other:2.0,Value:-0.6;Growth:+0.8;Quality:+0.4;Size:-0.3;Momentum:-0.5;LowVol:+0.3,,7,35,5.2,trailing 10%,99,17.5,Bear,29.2,4.02,1.8,205,36,69,73,true,Rebalance,Rebalance back to target bands,-2,5,BrokerD,MKT,90,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-39,-28,-12,5,false,Within IPS guidelines
P0459,Opportunistic,Roth,USD,2025-09-28,1727361,82353,1645008,1.0,60.9,15.2,17.1,6.8,IEF:20.0%;BND:15.6%;QQQ:22.8%;MSFT:18.9%;MUB:22.8%,US:64.1;EU:12.4;APAC:12.9;EM:6.2;Other:4.4,Value:-0.1;Growth:-0.3;Quality:+0.2;Size:+0.9;Momentum:+0.9;LowVol:-0.1,MaxPos8%,5,35,4.7,trailing 7%,213,23.3,Bear,24.5,4.12,2.8,199,-48,23,75,true,Reduce,"Cut high-beta by 2-3%, add cash",-2,12,BrokerA,MKT,91,Drift>tolerance,Reduce,Allocation drift beyond policy bands,54,-6,127,4,true,Increase defensive factor exposure
P0460,Opportunistic,IRA,USD,2025-06-15,1789419,77901,1711518,1.16,64.2,18.4,9.0,8.4,AAPL:35.3%;VOO:29.4%;QQQ:35.3%,US:72.5;EU:11.2;APAC:12.5;EM:3.5;Other:0.3,Value:-0.6;Growth:+0.7;Quality:+0.4;Size:-0.8;Momentum:-0.5;LowVol:-1.0,MaxPos7%,8,25,4.9,trailing 9%,166,29.9,Bear,22.3,3.79,3.0,151,-53,30,71,true,Rebalance,Rebalance back to target bands,-6,-21,BrokerA,LMT,100,VAR>budget,TightenStops,Risk above budget threshold,11,-46,41,4,false,Monitor dispersion and breadth
P0461,Active,Roth,USD,2025-05-28,1962499,205853,1756646,1.0,66.6,23.5,0.0,9.9,IEF:19.3%;MUB:20.2%;VOO:17.7%;MSFT:21.4%;GLD:21.4%,US:62.1;EU:12.9;APAC:12.0;EM:9.1;Other:3.9,Value:+0.2;Growth:-1.0;Quality:+0.6;Size:+0.1;Momentum:-0.3;LowVol:-0.0,,5,30,4.6,trailing 8%,194,16.8,Bull,13.8,3.8,3.0,106,51,64,46,true,Hedge,Buy index puts 1% notional,25,-29,BrokerB,LMT,98,RegimeShift,TightenStops,Volatility spike and breadth deterioration,-59,-28,24,4,false,Increase defensive factor exposure
P0462,Opportunistic,Roth,USD,2025-07-27,1222363,74888,1147475,1.2,63.4,13.8,18.6,4.2,HYG:33.3%;VOO:33.3%;BND:33.3%,US:59.9;EU:11.8;APAC:16.8;EM:6.5;Other:4.9,Value:+0.1;Growth:+0.2;Quality:-0.1;Size:+0.2;Momentum:+0.1;LowVol:+0.6,NoDerivatives,8,35,6.1,trailing 9%,184,20.1,Bear,23.6,3.24,1.8,156,-79,9,61,false,Rebalance,Shift +1% to bonds from equity,30,-18,BrokerC,LMT,95,None,None,Normal monitoring,65,-11,189,5,false,Within IPS guidelines
P0463,Systematic,IRA,USD,2024-12-13,691440,55674,635766,1.0,63.1,25.0,6.0,6.0,BRK.B:8.4%;MUB:19.9%;AAPL:20.4%;VTI:21.0%;TLT:17.5%;BND:12.8%,US:65.0;EU:8.9;APAC:12.4;EM:9.7;Other:4.0,Value:+0.5;Growth:+0.3;Quality:+0.6;Size:+0.4;Momentum:+0.7;LowVol:-0.1,MaxPos8%;NoDerivatives,7,25,4.4,trailing 8%,211,26.7,Bull,16.3,4.67,3.3,74,41,70,46,false,Buy,Add to core equity +1%,26,-3,BrokerB,MKT,96,None,None,Normal monitoring,19,-23,148,5,false,Monitor dispersion and breadth
P0464,Opportunistic,Roth,USD,2025-05-22,1731781,93518,1638263,1.08,60.7,16.7,14.7,7.9,AAPL:26.0%;TLT:26.0%;IEF:22.0%;VOO:26.0%,US:66.0;EU:11.5;APAC:11.7;EM:8.1;Other:2.7,Value:+0.4;Growth:+0.2;Quality:-0.8;Size:-0.6;Momentum:0.0;LowVol:-0.3,,8,35,5.8,trailing 9%,253,34.9,Volatile,29.5,5.46,4.4,174,63,92,73,true,Hedge,Buy index puts 1% notional,21,0,BrokerD,MKT,88,VAR>budget,Reduce,Risk above budget threshold,-1,-44,108,3,false,Tax-aware sells next window
P0465,Systematic,Roth,USD,2025-12-23,957621,78925,878696,1.0,60.6,30.3,0.0,9.0,AMZN:7.4%;QQQ:21.4%;VOO:18.9%;VNQ:17.4%;VTI:21.4%;TLT:13.3%,US:64.4;EU:17.9;APAC:10.0;EM:3.1;Other:4.6,Value:+0.2;Growth:-0.1;Quality:+0.2;Size:-0.9;Momentum:-0.5;LowVol:+0.9,,6,35,4.1,trailing 9%,202,27.7,Sideways,19.3,4.36,2.6,116,28,61,57,true,Hedge,Buy index puts 1% notional,6,-20,BrokerA,VWAP,90,RegimeShift,Reduce,Volatility spike and breadth deterioration,103,-32,170,5,false,Within IPS guidelines
P0466,Cautious,Trust,USD,2025-04-24,572131,85696,486435,1.0,39.4,32.3,12.3,16.0,IEF:14.6%;TSLA:22.0%;TLT:19.4%;GLD:22.0%;VNQ:22.0%,US:55.2;EU:18.5;APAC:10.8;EM:12.2;Other:3.4,Value:-1.0;Growth:+0.7;Quality:-0.9;Size:-0.3;Momentum:-0.8;LowVol:+0.5,NoMargin,5,25,3.3,trailing 8%,90,15.3,Volatile,20.7,5.13,3.7,165,15,72,40,false,Rebalance,Shift +1% to bonds from equity,24,15,BrokerD,LMT,97,None,None,Normal monitoring,64,-56,198,3,false,Increase defensive factor exposure
P0467,Cautious,401k,USD,2024-07-23,705716,78927,626789,1.0,53.9,34.5,0.3,11.2,MUB:21.5%;VNQ:21.6%;HYG:19.2%;GLD:16.1%;IEF:21.6%,US:72.9;EU:9.1;APAC:11.7;EM:4.2;Other:2.0,Value:-0.1;Growth:-0.2;Quality:-0.8;Size:-0.3;Momentum:-0.9;LowVol:+0.3,NoMargin,5,25,4.6,trailing 8%,121,17.9,Volatile,20.1,5.39,2.4,143,8,47,48,false,Buy,Add to core equity +1%,12,6,BrokerB,LMT,98,None,None,Normal monitoring,73,3,166,3,false,Tighten stops on momentum names
P0468,Systematic,Roth,USD,2024-08-25,967156,41845,925311,1.0,66.5,24.5,3.9,5.1,BRK.B:33.3%;MSFT:33.3%;XLF:33.3%,US:69.8;EU:10.6;APAC:5.5;EM:11.2;Other:2.9,Value:-0.4;Growth:-0.1;Quality:-0.3;Size:+0.8;Momentum:-0.8;LowVol:+0.9,MaxPos5%,5,25,4.7,hard 12%,179,18.6,Bear,33.4,3.63,2.8,139,-86,11,91,true,Reduce,"Cut high-beta by 2-3%, add cash",29,-38,BrokerD,LMT,97,VAR>budget,Hedge,Risk above budget threshold,-19,-18,-42,2,false,Tighten stops on momentum names
P0469,Opportunistic,IRA,USD,2025-05-22,1448278,69101,1379177,1.15,72.6,12.8,6.3,8.4,TSLA:12.9%;VOO:23.9%;VNQ:13.5%;AAPL:23.9%;MUB:8.7%;IEF:17.0%,US:62.5;EU:14.3;APAC:16.0;EM:5.2;Other:2.1,Value:+0.8;Growth:+0.6;Quality:+0.3;Size:+0.7;Momentum:-0.3;LowVol:-0.8,,10,35,4.7,trailing 7%,180,32.3,Bull,17.9,3.72,2.7,114,41,79,68,false,Sell,Trim extended winner -1%,0,-29,BrokerD,LMT,89,None,None,Normal monitoring,39,-18,47,3,false,Monitor dispersion and breadth
P0470,Active,Trust,USD,2025-04-23,1517785,118724,1399061,1.0,62.0,29.0,0.0,9.0,AMZN:9.6%;TSLA:17.7%;TLT:24.2%;XLF:24.2%;VNQ:24.2%,US:59.7;EU:12.3;APAC:14.0;EM:11.4;Other:2.6,Value:-0.6;Growth:-0.2;Quality:+0.4;Size:+0.8;Momentum:+0.4;LowVol:-0.3,,7,25,5.7,trailing 8%,133,19.1,Volatile,30.2,3.98,4.2,180,-44,37,86,true,Hedge,Buy index puts 1% notional,-6,-12,BrokerD,LMT,100,VAR>budget,Reduce,Risk above budget threshold,-24,-47,-59,4,false,Increase defensive factor exposure
P0471,Systematic,Roth,USD,2024-09-16,670254,32781,637473,1.0,59.1,31.8,0.0,9.1,MSFT:24.0%;VTI:24.0%;AMZN:12.5%;BND:22.4%;TLT:17.0%,US:77.1;EU:6.5;APAC:9.2;EM:4.9;Other:2.3,Value:+0.1;Growth:-0.9;Quality:-0.6;Size:-0.3;Momentum:+0.6;LowVol:+0.2,,6,35,5.1,trailing 8%,213,24.9,Volatile,27.2,4.19,4.3,146,31,72,62,false,Buy,Add to core equity +1%,21,-28,BrokerB,LMT,98,None,None,Normal monitoring,-31,-21,16,3,false,Tighten stops on momentum names
P0472,Opportunistic,IRA,USD,2025-08-10,1510340,82526,1427814,1.0,64.8,21.2,6.7,7.3,VNQ:25.8%;VOO:22.6%;TSLA:25.8%;QQQ:25.8%,US:76.8;EU:8.7;APAC:5.7;EM:5.4;Other:3.4,Value:-0.1;Growth:+0.6;Quality:-0.9;Size:-0.9;Momentum:-0.1;LowVol:-0.0,MaxPos6%,7,35,4.3,trailing 7%,262,21.1,Volatile,28.0,5.07,3.9,142,61,86,82,true,Hedge,Buy index puts 1% notional,25,0,BrokerD,LMT,86,Drift>tolerance,Hedge,Allocation drift beyond policy bands,27,-58,17,2,false,Within IPS guidelines
P0473,Systematic,Trust,USD,2025-12-24,1010645,86724,923921,1.0,68.1,24.1,0.0,7.8,AAPL:30.8%;VOO:30.8%;GLD:20.9%;VTI:17.4%,US:78.3;EU:6.5;APAC:8.2;EM:3.9;Other:3.1,Value:+0.7;Growth:+0.6;Quality:+0.9;Size:+0.4;Momentum:-0.8;LowVol:+0.3,NoDerivatives,5,30,4.2,hard 12%,190,19.3,Bear,30.7,4.01,2.4,206,28,52,79,true,Rebalance,Rebalance back to target bands,2,-26,BrokerC,VWAP,93,Drift>tolerance,Reduce,Allocation drift beyond policy bands,108,-49,119,3,false,Tighten stops on momentum names
P0474,Systematic,Roth,USD,2025-09-30,1762446,105873,1656573,1.0,62.2,23.6,7.0,7.2,TLT:9.6%;AMZN:19.2%;IEF:19.1%;VNQ:16.3%;BND:18.9%;BRK.B:16.8%,US:62.7;EU:12.3;APAC:14.3;EM:8.8;Other:2.0,Value:+0.4;Growth:+0.8;Quality:+0.6;Size:-0.5;Momentum:+1.0;LowVol:+0.5,MaxPos6%,8,35,4.3,trailing 8%,126,20.5,Bull,11.9,4.97,3.1,81,28,49,39,false,Buy,Add to core equity +1%,23,1,BrokerD,VWAP,100,None,None,Normal monitoring,-23,-60,17,3,false,Monitor dispersion and breadth
P0475,Active,IRA,USD,2024-08-21,2437919,258632,2179287,1.0,65.7,20.9,5.8,7.5,XLF:33.3%;VTI:33.3%;QQQ:33.3%,US:59.7;EU:21.0;APAC:6.7;EM:9.2;Other:3.3,Value:+0.3;Growth:0.0;Quality:-0.5;Size:-0.7;Momentum:-0.9;LowVol:-0.4,,10,30,4.8,trailing 8%,148,25.5,Bull,14.9,4.42,2.0,113,79,100,51,false,Rebalance,Shift +1% to bonds from equity,23,-27,BrokerA,LMT,85,None,None,Normal monitoring,104,0,192,3,false,Tighten stops on momentum names
P0476,Opportunistic,401k,USD,2025-03-18,1292929,100979,1191950,1.0,66.5,21.9,4.3,7.3,MSFT:24.0%;AMZN:25.3%;AAPL:25.3%;BRK.B:25.3%,US:70.6;EU:14.8;APAC:5.6;EM:6.9;Other:2.1,Value:-0.1;Growth:+0.5;Quality:+0.9;Size:+0.3;Momentum:-0.5;LowVol:+0.3,MaxPos5%,8,25,5.2,trailing 7%,174,31.7,Sideways,14.5,4.13,3.5,123,49,81,52,false,Sell,Trim extended winner -1%,14,-32,BrokerA,MKT,95,None,None,Normal monitoring,71,-52,206,4,false,Tighten stops on momentum names
P0477,Cautious,Roth,USD,2024-08-30,548892,48423,500469,1.0,47.0,38.8,1.4,12.9,TSLA:17.7%;VNQ:8.2%;IEF:15.4%;HYG:17.8%;MSFT:21.1%;BRK.B:19.8%,US:57.3;EU:18.0;APAC:16.4;EM:4.8;Other:3.5,Value:-0.1;Growth:+0.5;Quality:-0.3;Size:-0.4;Momentum:0.0;LowVol:-0.0,MaxPos8%;NoDerivatives;NoMargin,7,30,5.6,trailing 8%,104,14.9,Bull,11.2,4.65,2.6,92,6,59,30,false,Rebalance,Shift +1% to bonds from equity,-10,-35,BrokerC,MKT,93,None,None,Normal monitoring,24,7,38,4,false,Monitor dispersion and breadth
P0478,Systematic,Trust,USD,2025-07-28,1725697,170825,1554872,1.0,63.2,27.6,0.0,9.2,GLD:21.4%;HYG:6.7%;IEF:21.8%;BRK.B:18.4%;MSFT:9.8%;AMZN:21.8%,US:65.4;EU:14.1;APAC:5.3;EM:10.2;Other:4.9,Value:+0.3;Growth:+0.6;Quality:+0.6;Size:-0.0;Momentum:-0.7;LowVol:-0.1,MaxPos5%,8,30,4.9,hard 12%,191,27.8,Bull,14.2,3.74,2.8,100,93,87,56,false,Sell,Trim extended winner -1%,1,8,BrokerB,LMT,93,None,None,Normal monitoring,79,13,152,4,false,Increase defensive factor exposure
P0479,Cautious,Roth,USD,2024-10-01,631573,59170,572403,1.0,52.8,32.2,0.0,15.0,BRK.B:37.7%;BND:37.7%;VTI:24.5%,US:70.5;EU:10.2;APAC:8.1;EM:9.8;Other:1.3,Value:-0.1;Growth:-0.9;Quality:0.0;Size:-0.5;Momentum:+0.3;LowVol:+0.1,NoMargin,6,30,4.8,hard 10%,138,17.9,Volatile,27.1,4.29,2.2,128,8,55,71,true,Hedge,Buy index puts 1% notional,12,-2,BrokerD,MKT,89,VAR>budget,Hedge,Risk above budget threshold,-11,-54,44,4,false,Tax-aware sells next window
P0480,Active,Trust,USD,2025-12-11,1328341,116596,1211745,1.0,65.4,24.5,3.0,7.0,TLT:28.1%;GLD:15.6%;IEF:28.1%;BRK.B:28.1%,US:71.2;EU:6.8;APAC:6.8;EM:11.6;Other:3.7,Value:-0.5;Growth:-0.4;Quality:+0.6;Size:-0.2;Momentum:-0.3;LowVol:-0.9,,8,35,4.9,hard 12%,189,18.5,Volatile,26.2,3.56,2.8,141,15,60,65,false,Hedge,Add TLT +1% as duration hedge,20,-12,BrokerA,MKT,86,None,None,Normal monitoring,95,-35,225,5,false,Within IPS guidelines
P0481,Systematic,IRA,USD,2025-05-07,1063363,51900,1011463,1.0,67.3,25.1,1.7,5.8,GLD:33.2%;VOO:33.4%;VNQ:33.4%,US:70.6;EU:10.9;APAC:5.4;EM:9.0;Other:4.1,Value:+0.4;Growth:+0.1;Quality:+0.7;Size:-0.8;Momentum:-0.8;LowVol:+1.0,NoDerivatives,5,25,4.7,trailing 8%,173,20.5,Bear,22.9,3.23,1.9,199,1,44,62,false,NoAction,Within bands; monitor,-6,0,BrokerD,MKT,0,None,None,Normal monitoring,107,-48,237,5,false,Increase defensive factor exposure
P0482,Active,Taxable,USD,2025-11-01,1391456,88235,1303221,1.0,50.1,20.9,20.2,8.9,QQQ:33.3%;VTI:33.3%;AAPL:33.3%,US:58.7;EU:16.7;APAC:13.1;EM:6.7;Other:4.8,Value:-1.0;Growth:-0.9;Quality:-0.3;Size:+0.6;Momentum:-0.8;LowVol:-0.0,,6,30,4.1,trailing 8%,144,24.4,Bull,15.3,4.43,2.7,79,19,62,42,false,Hedge,Add TLT +1% as duration hedge,3,-31,BrokerC,LMT,99,None,None,Normal monitoring,76,-55,92,4,false,Tax-aware sells next window
P0483,Opportunistic,Roth,USD,2025-11-06,427033,25178,401855,1.05,60.5,18.8,12.0,8.6,XLF:25.7%;BND:25.7%;AMZN:23.0%;VTI:25.7%,US:62.9;EU:14.6;APAC:10.0;EM:9.3;Other:3.2,Value:-0.7;Growth:-0.0;Quality:-0.2;Size:+0.5;Momentum:-0.6;LowVol:-0.6,,6,30,5.3,trailing 9%,167,27.0,Bear,25.9,3.36,1.0,173,-49,28,59,false,Buy,Add to core equity +1%,-5,-34,BrokerA,LMT,100,None,None,Normal monitoring,-26,14,2,5,false,Tax-aware sells next window
P0484,Hands-off,Taxable,USD,2025-05-05,379372,22838,356534,1.0,59.9,26.2,8.8,5.1,TSLA:22.5%;GLD:16.4%;BND:23.6%;TLT:23.6%;MSFT:14.0%,US:65.6;EU:14.3;APAC:9.2;EM:6.6;Other:4.3,Value:-0.3;Growth:-0.9;Quality:+0.6;Size:+0.5;Momentum:-0.7;LowVol:+0.1,MaxPos7%,6,30,4.0,trailing 8%,105,17.2,Sideways,17.8,3.91,3.2,138,0,44,60,false,Rebalance,Shift +1% to bonds from equity,29,-18,BrokerB,LMT,93,None,None,Normal monitoring,65,-49,42,5,false,Tax-aware sells next window
P0485,Cautious,Roth,USD,2024-12-20,601014,67546,533468,1.0,45.5,39.9,0.0,14.6,QQQ:33.3%;BRK.B:33.3%;VNQ:33.3%,US:59.3;EU:15.4;APAC:12.9;EM:9.6;Other:2.8,Value:+0.6;Growth:+0.4;Quality:-0.6;Size:-0.7;Momentum:-0.5;LowVol:-0.2,NoMargin,8,25,4.5,hard 10%,164,13.0,Volatile,20.2,4.59,3.1,149,10,40,37,false,Hedge,Add TLT +1% as duration hedge,2,-34,BrokerB,LMT,97,None,None,Normal monitoring,-11,-15,82,4,false,Monitor dispersion and breadth
P0486,Hands-off,IRA,USD,2024-09-20,880847,58872,821975,1.0,68.6,22.9,0.0,8.5,MSFT:25.0%;TLT:25.0%;BND:25.0%;IEF:25.0%,US:57.7;EU:18.3;APAC:11.7;EM:7.8;Other:4.5,Value:+0.1;Growth:-0.9;Quality:-0.8;Size:-0.7;Momentum:-0.3;LowVol:+0.1,ESGOnly;MaxPos6%;NoDerivatives,7,35,4.1,trailing 8%,101,19.8,Bull,14.8,4.7,3.3,79,64,68,51,false,NoAction,Within bands; monitor,8,5,BrokerD,LMT,96,None,None,Normal monitoring,4,-56,-16,5,false,Within IPS guidelines
P0487,Active,401k,USD,2025-03-09,2107657,135693,1971964,1.0,57.3,22.3,15.2,5.2,HYG:27.5%;AMZN:20.2%;MUB:24.9%;XLF:27.5%,US:65.9;EU:13.6;APAC:11.7;EM:6.6;Other:2.2,Value:-0.4;Growth:+0.4;Quality:-0.4;Size:-0.8;Momentum:-0.8;LowVol:-0.5,,7,35,5.0,hard 12%,135,19.3,Bull,13.1,4.83,2.9,118,29,53,40,false,NoAction,Within bands; monitor,25,-17,BrokerC,MKT,0,None,None,Normal monitoring,5,-41,45,5,false,Within IPS guidelines
P0488,Opportunistic,Trust,USD,2024-09-02,635169,31149,604020,1.0,62.5,11.0,21.6,5.0,MSFT:17.5%;IEF:21.6%;MUB:21.6%;VOO:11.9%;VNQ:9.4%;QQQ:18.2%,US:68.6;EU:11.7;APAC:9.3;EM:7.0;Other:3.3,Value:-0.1;Growth:-0.7;Quality:+0.1;Size:-0.2;Momentum:+0.9;LowVol:-0.8,,6,35,6.8,hard 12%,251,29.9,Bull,11.5,4.56,2.5,98,40,69,38,false,Rebalance,Shift +1% to bonds from equity,9,-32,BrokerA,LMT,89,None,None,Normal monitoring,-52,-19,6,5,false,Tax-aware sells next window
P0489,Opportunistic,401k,USD,2025-06-07,532736,31331,501405,1.16,76.0,15.6,0.0,8.5,GLD:23.4%;BND:23.4%;TLT:13.9%;AAPL:15.9%;QQQ:23.4%,US:63.3;EU:11.2;APAC:14.0;EM:8.8;Other:2.8,Value:-0.4;Growth:0.0;Quality:-0.1;Size:0.0;Momentum:-0.8;LowVol:-0.2,MaxPos7%;NoDerivatives,5,25,5.6,trailing 7%,182,31.7,Bull,11.6,4.96,3.2,104,61,84,43,false,Hedge,Add TLT +1% as duration hedge,-3,-15,BrokerD,MKT,91,None,None,Normal monitoring,39,-47,157,5,false,Within IPS guidelines
P0490,Hands-off,IRA,USD,2025-05-21,176877,13526,163351,1.0,55.5,21.2,13.4,9.9,AAPL:33.3%;BND:33.3%;BRK.B:33.3%,US:54.3;EU:17.4;APAC:13.5;EM:9.9;Other:4.8,Value:+0.5;Growth:+0.4;Quality:-0.0;Size:-0.4;Momentum:+1.0;LowVol:-0.5,ESGOnly;MaxPos7%;NoDerivatives,5,35,5.8,hard 10%,140,17.1,Bear,23.6,3.6,2.3,214,13,44,50,true,Hedge,Buy index puts 1% notional,28,13,BrokerC,MKT,92,Drift>tolerance,Reduce,Allocation drift beyond policy bands,24,-53,31,5,false,Tax-aware sells next window
P0491,Cautious,Trust,USD,2024-08-26,384938,36828,348110,1.0,36.6,37.0,14.9,11.6,VNQ:27.2%;TSLA:27.2%;BND:18.3%;MUB:27.2%,US:70.2;EU:9.8;APAC:10.9;EM:8.5;Other:0.6,Value:-0.6;Growth:-0.6;Quality:-0.9;Size:-0.3;Momentum:+0.2;LowVol:0.0,ESGOnly;NoDerivatives;NoMargin,10,35,3.8,hard 10%,107,17.0,Sideways,17.9,4.86,2.4,127,-16,37,38,false,Buy,Add to core equity +1%,-13,-11,BrokerA,MKT,94,None,None,Normal monitoring,-21,-21,67,3,false,Tax-aware sells next window
P0492,Hands-off,Roth,USD,2025-11-29,403543,38759,364784,1.0,68.2,25.6,0.0,6.2,MUB:23.3%;MSFT:23.3%;TSLA:9.5%;HYG:23.3%;VOO:20.5%,US:62.1;EU:17.4;APAC:11.5;EM:4.4;Other:4.5,Value:-1.0;Growth:+0.8;Quality:-0.9;Size:-0.3;Momentum:-0.3;LowVol:-0.8,MaxPos8%,6,25,5.6,trailing 10%,146,14.3,Bear,29.3,3.83,2.9,212,-59,13,85,true,Rebalance,Rebalance back to target bands,9,-27,BrokerA,MKT,99,VAR>budget,Hedge,Risk above budget threshold,27,-19,-1,5,false,Tax-aware sells next window
P0493,Hands-off,Taxable,USD,2024-08-19,618681,53951,564730,1.0,55.2,28.5,8.5,7.8,TSLA:33.3%;GLD:33.3%;XLF:33.3%,US:67.7;EU:16.5;APAC:7.6;EM:4.9;Other:3.2,Value:-0.6;Growth:+0.2;Quality:-0.1;Size:-0.4;Momentum:-0.5;LowVol:+0.7,,5,30,5.4,hard 10%,129,12.3,Bull,16.3,4.23,3.0,114,109,100,36,false,Hedge,Add TLT +1% as duration hedge,-8,11,BrokerB,MKT,87,None,None,Normal monitoring,-38,-17,-27,4,false,Increase defensive factor exposure
P0494,Opportunistic,401k,USD,2024-12-20,1462212,67426,1394786,1.0,75.6,19.3,0.0,5.1,VTI:9.9%;BRK.B:21.4%;TSLA:7.2%;VNQ:21.4%;BND:21.4%;MSFT:18.6%,US:66.9;EU:11.3;APAC:9.2;EM:10.1;Other:2.5,Value:+0.7;Growth:+0.5;Quality:+0.3;Size:-0.6;Momentum:-0.8;LowVol:-0.7,,5,25,5.2,hard 12%,167,22.5,Sideways,18.2,4.55,3.2,101,-21,41,67,false,Rebalance,Shift +1% to bonds from equity,5,-23,BrokerB,VWAP,91,None,None,Normal monitoring,56,-35,109,4,false,Increase defensive factor exposure
P0495,Active,Trust,USD,2025-02-07,1399018,85228,1313790,1.0,65.5,24.8,0.0,9.8,VTI:23.6%;VNQ:25.5%;QQQ:25.5%;MUB:25.5%,US:67.0;EU:9.0;APAC:7.9;EM:11.6;Other:4.6,Value:+0.9;Growth:-0.9;Quality:+0.2;Size:+0.2;Momentum:-0.6;LowVol:-0.8,,10,30,4.8,trailing 8%,199,23.9,Bear,31.1,4.37,3.0,211,18,66,73,true,Hedge,Buy index puts 1% notional,-15,3,BrokerB,MKT,93,RegimeShift,Hedge,Volatility spike and breadth deterioration,118,-23,184,3,true,Tax-aware sells next window
P0496,Cautious,Taxable,USD,2025-11-06,629253,93093,536160,1.0,53.4,29.9,0.0,16.6,XLF:21.3%;VNQ:21.3%;MSFT:17.9%;IEF:12.4%;AMZN:21.3%;MUB:6.0%,US:62.8;EU:14.0;APAC:14.3;EM:6.1;Other:2.8,Value:+0.4;Growth:-0.3;Quality:-0.3;Size:-0.7;Momentum:-0.6;LowVol:0.0,ESGOnly;MaxPos6%;NoMargin,7,35,4.8,trailing 8%,135,19.2,Bull,14.8,3.96,3.0,106,14,71,46,false,Buy,Add to core equity +1%,33,10,BrokerC,MKT,86,None,None,Normal monitoring,100,-46,135,3,false,Within IPS guidelines
P0497,Cautious,Taxable,USD,2025-05-01,343809,50201,293608,1.0,51.1,33.3,0.0,15.6,VTI:21.8%;QQQ:21.8%;AAPL:21.8%;XLF:13.3%;BRK.B:21.3%,US:73.6;EU:7.2;APAC:11.2;EM:4.8;Other:3.3,Value:-0.9;Growth:-0.1;Quality:-0.8;Size:+0.8;Momentum:+0.2;LowVol:+0.2,NoMargin,10,25,4.2,hard 10%,138,13.6,Bull,12.5,3.81,3.0,81,118,94,44,false,Rebalance,Shift +1% to bonds from equity,10,-19,BrokerB,MKT,95,None,None,Normal monitoring,68,-40,149,5,false,Increase defensive factor exposure
P0498,Hands-off,Roth,USD,2025-10-11,622853,46262,576591,1.0,66.2,28.0,0.0,5.8,BND:33.3%;XLF:33.3%;MSFT:33.3%,US:60.7;EU:14.6;APAC:11.1;EM:9.7;Other:3.8,Value:-0.7;Growth:+0.9;Quality:-0.5;Size:-0.7;Momentum:-0.7;LowVol:+0.1,,5,30,3.1,trailing 8%,152,13.0,Sideways,16.0,4.69,2.3,121,-18,53,51,false,Buy,Add to core equity +1%,35,-33,BrokerC,MKT,97,None,None,Normal monitoring,63,-28,158,3,false,Within IPS guidelines
P0499,Opportunistic,IRA,USD,2025-02-28,540523,25303,515220,1.0,61.8,11.5,18.0,8.7,VNQ:17.1%;GLD:27.6%;MUB:27.6%;VTI:27.6%,US:66.3;EU:8.1;APAC:14.6;EM:6.1;Other:4.9,Value:-0.1;Growth:-0.3;Quality:+0.1;Size:-0.3;Momentum:+0.5;LowVol:+0.9,MaxPos5%;NoDerivatives,10,35,6.1,trailing 7%,231,30.9,Bull,12.6,4.97,2.1,83,66,94,37,true,Hedge,Buy index puts 1% notional,-12,14,BrokerC,MKT,87,Drift>tolerance,Reduce,Allocation drift beyond policy bands,55,-10,18,3,false,Tighten stops on momentum names
P0500,Active,IRA,USD,2024-08-16,1758046,107857,1650189,1.0,57.7,23.2,9.8,9.3,XLF:11.0%;QQQ:24.0%;BRK.B:24.0%;GLD:16.8%;TLT:24.0%,US:57.1;EU:17.4;APAC:10.8;EM:10.3;Other:4.4,Value:+0.7;Growth:-0.9;Quality:-0.9;Size:+0.4;Momentum:-0.6;LowVol:+0.3,MaxPos7%,10,35,5.2,trailing 9%,142,26.7,Bull,16.8,4.52,2.4,70,40,64,51,false,Rebalance,Shift +1% to bonds from equity,-14,-32,BrokerD,LMT,90,None,None,Normal monitoring,-11,-5,47,3,false,Tighten stops on momentum names
P0501,Systematic,401k,USD,2025-04-08,1550500,124459,1426041,1.0,63.6,21.0,6.5,8.9,GLD:20.9%;QQQ:21.8%;MUB:13.6%;IEF:21.8%;VNQ:21.8%,US:69.9;EU:5.8;APAC:12.6;EM:9.7;Other:2.0,Value:-0.5;Growth:-0.7;Quality:-0.3;Size:-0.2;Momentum:+0.2;LowVol:-0.4,,8,30,4.7,trailing 8%,209,22.7,Bull,15.3,3.69,3.3,80,13,66,41,false,Buy,Add to core equity +1%,-10,-39,BrokerD,MKT,85,None,None,Normal monitoring,-33,-54,70,5,false,Within IPS guidelines
P0502,Hands-off,IRA,USD,2025-07-07,580448,51520,528928,1.0,71.2,19.6,0.0,9.3,VOO:14.5%;XLF:23.4%;HYG:11.6%;VNQ:18.7%;TLT:19.2%;BND:12.5%,US:64.1;EU:10.9;APAC:13.6;EM:8.7;Other:2.8,Value:-0.3;Growth:+0.6;Quality:-0.9;Size:-0.1;Momentum:+0.8;LowVol:-1.0,ESGOnly;MaxPos7%;NoDerivatives,5,35,3.9,trailing 8%,129,19.1,Bull,12.8,3.59,3.4,104,68,83,49,false,Buy,Add to core equity +1%,2,-6,BrokerA,MKT,86,None,None,Normal monitoring,-60,10,-21,3,false,Within IPS guidelines
P0503,Cautious,Taxable,USD,2025-03-07,272599,23516,249083,1.0,45.0,38.9,0.0,16.2,MSFT:32.1%;AMZN:18.0%;HYG:32.1%;GLD:17.9%,US:69.7;EU:8.9;APAC:11.3;EM:7.9;Other:2.3,Value:+1.0;Growth:-0.3;Quality:+0.3;Size:-0.7;Momentum:+0.3;LowVol:+0.5,MaxPos6%;NoMargin,10,35,3.6,trailing 10%,153,15.7,Bull,17.6,3.57,2.8,76,110,100,47,false,NoAction,Within bands; monitor,-3,-26,BrokerD,MKT,0,None,None,Normal monitoring,-24,-55,-32,4,false,Monitor dispersion and breadth
P0504,Cautious,Trust,USD,2025-02-05,898759,135673,763086,1.0,40.3,35.9,13.7,10.2,VTI:27.9%;BND:27.9%;VNQ:16.3%;BRK.B:27.9%,US:62.6;EU:16.2;APAC:8.4;EM:11.0;Other:1.8,Value:-0.3;Growth:-0.4;Quality:+0.3;Size:+0.3;Momentum:+0.2;LowVol:+0.9,NoDerivatives;NoMargin,6,25,3.7,trailing 10%,103,12.1,Bull,14.8,4.1,2.4,80,75,85,42,false,NoAction,Within bands; monitor,13,0,BrokerD,VWAP,88,None,None,Normal monitoring,112,18,137,5,false,Increase defensive factor exposure
P0505,Opportunistic,Taxable,USD,2025-10-24,1110645,42433,1068212,1.0,71.7,20.8,2.6,4.8,VOO:33.3%;XLF:33.3%;HYG:33.3%,US:68.3;EU:17.4;APAC:6.7;EM:5.7;Other:1.9,Value:-1.0;Growth:+0.8;Quality:+0.2;Size:-0.4;Momentum:-0.2;LowVol:+0.1,MaxPos6%,10,35,4.8,trailing 7%,207,31.4,Volatile,29.2,3.97,3.6,147,-35,21,77,true,Reduce,"Cut high-beta by 2-3%, add cash",32,-35,BrokerD,LMT,88,Drift>tolerance,Reduce,Allocation drift beyond policy bands,27,-23,46,2,false,Increase defensive factor exposure
P0506,Active,Trust,USD,2024-12-15,2460703,230458,2230245,1.0,55.4,18.3,20.4,5.9,QQQ:33.3%;MSFT:33.3%;TLT:33.3%,US:67.5;EU:12.5;APAC:7.6;EM:9.8;Other:2.6,Value:+0.6;Growth:+0.6;Quality:+0.2;Size:-0.8;Momentum:+0.2;LowVol:-0.1,MaxPos5%,6,25,4.8,hard 12%,127,19.2,Volatile,25.2,3.69,4.2,160,2,36,58,false,Rebalance,Shift +1% to bonds from equity,33,11,BrokerB,LMT,94,None,None,Normal monitoring,-3,-21,-34,4,false,Tighten stops on momentum names
P0507,Cautious,401k,USD,2024-07-09,265775,24282,241493,1.0,52.6,36.7,0.0,10.7,TLT:18.7%;TSLA:14.2%;QQQ:8.1%;VOO:22.0%;AMZN:22.0%;VTI:15.1%,US:66.7;EU:14.9;APAC:13.9;EM:3.7;Other:0.8,Value:-1.0;Growth:+0.9;Quality:+0.9;Size:-0.5;Momentum:+0.1;LowVol:-0.1,ESGOnly;MaxPos6%;NoMargin,8,25,3.5,hard 10%,144,16.7,Sideways,19.8,4.99,2.5,112,39,65,46,false,Hedge,Add TLT +1% as duration hedge,-4,2,BrokerD,MKT,89,None,None,Normal monitoring,110,-15,104,3,false,Tighten stops on momentum names
P0508,Opportunistic,Trust,USD,2025-06-23,1482133,83743,1398390,1.17,70.6,21.2,0.0,8.2,VNQ:33.7%;TLT:32.6%;MSFT:33.7%,US:69.6;EU:8.5;APAC:17.2;EM:4.0;Other:0.7,Value:+0.8;Growth:+0.2;Quality:+0.7;Size:+0.5;Momentum:-0.6;LowVol:-0.1,MaxPos8%,6,35,5.3,trailing 7%,165,21.6,Sideways,16.5,4.78,3.2,115,30,66,51,false,Sell,Trim extended winner -1%,10,-5,BrokerB,VWAP,98,None,None,Normal monitoring,64,2,167,4,false,Within IPS guidelines
P0509,Active,Trust,USD,2025-01-06,2428481,205418,2223063,1.0,56.3,24.0,12.1,7.5,GLD:33.3%;BRK.B:33.3%;TLT:33.3%,US:60.9;EU:13.9;APAC:11.5;EM:9.3;Other:4.3,Value:-0.2;Growth:-0.6;Quality:-0.7;Size:-0.0;Momentum:+0.8;LowVol:-0.1,MaxPos8%,7,25,4.1,trailing 8%,172,20.7,Volatile,28.3,5.08,3.2,161,51,65,64,false,Buy,Add to core equity +1%,-5,-31,BrokerA,LMT,95,None,None,Normal monitoring,56,-29,155,3,false,Increase defensive factor exposure
P0510,Hands-off,401k,USD,2025-12-01,733340,57036,676304,1.0,61.3,15.7,13.9,9.0,XLF:28.7%;IEF:28.7%;TLT:28.7%;QQQ:13.9%,US:69.1;EU:15.4;APAC:6.5;EM:6.6;Other:2.5,Value:+0.9;Growth:-0.5;Quality:-0.6;Size:+1.0;Momentum:0.0;LowVol:+0.9,NoDerivatives,10,35,5.3,trailing 8%,130,16.8,Volatile,29.5,4.53,2.5,142,-37,37,70,false,NoAction,Within bands; monitor,21,-28,BrokerC,VWAP,91,None,None,Normal monitoring,76,-24,199,4,false,Monitor dispersion and breadth
P0511,Systematic,401k,USD,2025-03-11,837312,54862,782450,1.0,65.9,27.4,0.2,6.6,TSLA:8.2%;AAPL:20.6%;MUB:19.1%;AMZN:18.9%;VTI:18.4%;VNQ:14.8%,US:58.3;EU:14.8;APAC:12.8;EM:9.6;Other:4.6,Value:+0.8;Growth:-0.5;Quality:-0.1;Size:+0.8;Momentum:+0.6;LowVol:+0.8,,6,30,5.3,hard 12%,221,26.3,Volatile,27.5,3.88,4.1,143,-8,41,65,false,Rebalance,Shift +1% to bonds from equity,12,-13,BrokerD,MKT,96,None,None,Normal monitoring,95,18,62,3,false,Monitor dispersion and breadth
P0512,Systematic,401k,USD,2025-05-05,1059460,45538,1013922,1.0,64.3,22.6,6.9,6.2,HYG:33.1%;VOO:33.4%;TSLA:33.4%,US:62.6;EU:19.2;APAC:8.0;EM:9.2;Other:0.9,Value:-0.5;Growth:+1.0;Quality:-0.2;Size:-0.9;Momentum:+0.1;LowVol:-0.9,,10,35,4.2,hard 12%,162,23.9,Sideways,18.0,3.61,3.0,124,57,90,61,false,Buy,Add to core equity +1%,27,10,BrokerA,MKT,88,None,None,Normal monitoring,7,-43,55,5,false,Increase defensive factor exposure
P0513,Cautious,Roth,USD,2024-09-25,295504,36587,258917,1.0,45.2,38.3,1.4,15.1,TSLA:15.6%;HYG:17.3%;MSFT:18.2%;BND:19.4%;VOO:13.3%;AAPL:16.1%,US:66.3;EU:13.4;APAC:9.5;EM:10.5;Other:0.3,Value:-0.5;Growth:-0.7;Quality:+0.2;Size:+0.1;Momentum:+0.7;LowVol:+0.7,ESGOnly;MaxPos6%;NoMargin,10,30,5.5,trailing 10%,105,12.2,Bull,12.6,4.48,3.4,72,31,70,38,false,Rebalance,Shift +1% to bonds from equity,12,-12,BrokerB,LMT,93,None,None,Normal monitoring,-22,12,47,5,false,Monitor dispersion and breadth
P0514,Active,Taxable,USD,2025-08-23,532309,47357,484952,1.13,51.6,20.6,19.8,8.1,HYG:33.3%;TSLA:33.3%;VTI:33.3%,US:62.8;EU:12.2;APAC:11.3;EM:10.3;Other:3.4,Value:-0.8;Growth:-0.4;Quality:0.0;Size:+0.4;Momentum:-0.4;LowVol:-0.1,,8,25,5.2,trailing 9%,181,22.0,Bull,17.9,4.79,3.2,100,105,96,47,false,Buy,Add to core equity +1%,-13,-28,BrokerD,LMT,89,None,None,Normal monitoring,-29,14,-39,3,false,Within IPS guidelines
P0515,Cautious,Roth,USD,2024-12-11,185030,20509,164521,1.0,45.2,37.6,0.0,17.2,AAPL:21.0%;VTI:14.6%;GLD:21.0%;TSLA:17.3%;HYG:16.1%;VNQ:10.0%,US:65.1;EU:12.1;APAC:14.0;EM:8.5;Other:0.3,Value:-0.4;Growth:-0.8;Quality:+0.2;Size:-0.2;Momentum:+0.8;LowVol:-0.8,ESGOnly;NoMargin,8,30,3.3,hard 10%,165,14.1,Sideways,14.9,4.84,3.1,99,44,65,35,false,Rebalance,Shift +1% to bonds from equity,-7,-5,BrokerC,MKT,94,None,None,Normal monitoring,34,-20,13,3,false,Within IPS guidelines
P0516,Cautious,IRA,USD,2024-12-24,196471,25116,171355,1.0,48.0,39.7,0.7,11.6,AMZN:17.2%;XLF:21.2%;HYG:18.0%;BND:12.3%;VNQ:10.1%;VOO:21.2%,US:60.4;EU:17.2;APAC:7.7;EM:12.4;Other:2.3,Value:+0.1;Growth:+1.0;Quality:-0.3;Size:+0.7;Momentum:-0.5;LowVol:+0.8,ESGOnly;MaxPos6%;NoDerivatives;NoMargin,6,25,5.6,hard 10%,158,15.1,Sideways,21.8,4.61,2.7,120,2,39,52,false,Sell,Trim extended winner -1%,28,-33,BrokerD,MKT,100,None,None,Normal monitoring,37,2,158,3,false,Within IPS guidelines
P0517,Active,Taxable,USD,2025-02-04,2056876,210517,1846359,1.0,56.7,26.2,9.8,7.3,TLT:23.0%;GLD:23.0%;TSLA:8.0%;IEF:23.0%;MUB:23.0%,US:71.8;EU:6.8;APAC:14.4;EM:3.3;Other:3.6,Value:-0.6;Growth:-0.7;Quality:0.0;Size:0.0;Momentum:-0.8;LowVol:+0.4,,6,30,4.4,hard 12%,202,18.9,Volatile,29.5,4.48,2.9,135,-51,9,67,false,NoAction,Within bands; monitor,2,12,BrokerA,LMT,99,None,None,Normal monitoring,62,11,68,4,false,Within IPS guidelines
P0518,Hands-off,401k,USD,2024-10-03,770095,65726,704369,1.0,60.9,17.3,15.7,6.0,AAPL:29.1%;TLT:29.1%;MUB:29.1%;BRK.B:12.7%,US:68.9;EU:10.3;APAC:13.2;EM:4.1;Other:3.5,Value:-1.0;Growth:+0.2;Quality:-0.0;Size:+0.3;Momentum:-0.2;LowVol:+0.2,ESGOnly;NoDerivatives,8,30,3.4,hard 10%,129,19.7,Bull,14.5,4.82,3.5,97,20,50,40,false,Sell,Trim extended winner -1%,3,-32,BrokerC,MKT,94,None,None,Normal monitoring,-49,-9,-84,3,false,Monitor dispersion and breadth
P0519,Hands-off,Roth,USD,2025-11-20,745277,65113,680164,1.0,71.6,20.5,0.0,7.9,MSFT:18.1%;QQQ:24.9%;HYG:24.9%;XLF:18.5%;VNQ:13.6%,US:65.5;EU:16.2;APAC:11.2;EM:5.8;Other:1.4,Value:-0.3;Growth:+0.6;Quality:0.0;Size:-0.2;Momentum:+0.9;LowVol:-0.4,MaxPos8%,10,25,3.8,trailing 8%,145,19.3,Bear,22.1,3.86,2.0,206,-8,60,64,false,Rebalance,Shift +1% to bonds from equity,9,-37,BrokerB,LMT,100,None,None,Normal monitoring,75,18,123,3,false,Within IPS guidelines
P0520,Opportunistic,401k,USD,2024-11-18,557773,24472,533301,1.12,68.9,11.2,14.8,5.1,AMZN:25.2%;QQQ:25.2%;VNQ:25.2%;GLD:24.5%,US:65.0;EU:8.5;APAC:11.5;EM:12.0;Other:2.9,Value:-1.0;Growth:-0.6;Quality:-0.7;Size:-0.3;Momentum:+0.9;LowVol:+0.5,MaxPos6%,5,30,5.1,trailing 7%,201,28.3,Sideways,15.2,4.03,2.9,118,24,59,61,true,Rebalance,Rebalance back to target bands,-4,-24,BrokerD,MKT,99,VAR>budget,Hedge,Risk above budget threshold,-1,18,129,3,true,Tax-aware sells next window
P0521,Active,401k,USD,2024-11-26,2425916,226609,2199307,1.0,52.0,21.5,17.3,9.2,HYG:22.4%;TLT:22.4%;BND:13.6%;VOO:19.8%;GLD:21.7%,US:66.1;EU:14.6;APAC:9.6;EM:9.0;Other:0.7,Value:+1.0;Growth:-0.4;Quality:-0.5;Size:0.0;Momentum:-0.8;LowVol:+0.9,,8,35,4.3,hard 12%,123,24.8,Volatile,26.8,4.14,3.6,159,57,78,69,false,Hedge,Add TLT +1% as duration hedge,-14,9,BrokerA,MKT,92,None,None,Normal monitoring,90,-50,142,4,false,Monitor dispersion and breadth
P0522,Hands-off,Roth,USD,2024-11-19,758481,70715,687766,1.0,56.5,17.5,18.7,7.3,BND:27.5%;VOO:27.5%;VTI:27.5%;AAPL:17.6%,US:59.7;EU:19.5;APAC:8.8;EM:10.6;Other:1.4,Value:+0.2;Growth:+0.1;Quality:+0.9;Size:-0.6;Momentum:-0.0;LowVol:-0.2,NoDerivatives,5,30,4.1,trailing 8%,99,16.6,Bull,18.0,4.33,2.2,85,49,75,56,false,Sell,Trim extended winner -1%,35,-37,BrokerC,MKT,97,None,None,Normal monitoring,89,-22,92,4,false,Within IPS guidelines
P0523,Systematic,401k,USD,2024-11-01,1255945,60671,1195274,1.0,65.9,26.6,0.9,6.6,MSFT:12.0%;TLT:13.3%;VTI:20.9%;MUB:13.3%;QQQ:19.3%;BND:21.2%,US:66.1;EU:19.5;APAC:7.3;EM:6.3;Other:0.8,Value:-0.7;Growth:-0.1;Quality:+0.1;Size:-0.7;Momentum:+0.6;LowVol:-0.9,NoDerivatives,5,25,4.3,trailing 8%,195,26.3,Sideways,16.7,4.62,3.3,98,43,85,49,false,Buy,Add to core equity +1%,19,7,BrokerA,VWAP,89,None,None,Normal monitoring,-1,20,129,3,false,Tax-aware sells next window
P0524,Systematic,IRA,USD,2025-05-24,1233474,66321,1167153,1.0,56.3,30.5,3.6,9.5,IEF:24.8%;VOO:9.0%;VTI:20.4%;XLF:24.8%;TSLA:20.9%,US:70.8;EU:17.8;APAC:4.7;EM:3.4;Other:3.3,Value:+0.5;Growth:+0.6;Quality:+0.8;Size:-0.1;Momentum:-0.9;LowVol:0.0,,8,30,5.2,trailing 9%,220,25.9,Volatile,26.1,4.43,4.5,123,2,58,72,true,Reduce,"Cut high-beta by 2-3%, add cash",33,-31,BrokerC,MKT,93,VAR>budget,Reduce,Risk above budget threshold,109,-50,126,3,false,Increase defensive factor exposure
P0525,Cautious,Roth,USD,2025-03-14,841543,82868,758675,1.0,47.7,30.8,9.1,12.4,TLT:31.6%;QQQ:34.2%;GLD:34.2%,US:73.4;EU:9.7;APAC:6.4;EM:7.6;Other:2.8,Value:+0.5;Growth:-0.6;Quality:-1.0;Size:+0.4;Momentum:-0.6;LowVol:+0.3,MaxPos7%;NoDerivatives;NoMargin,6,25,3.5,trailing 10%,102,17.1,Bull,17.6,3.86,2.6,84,73,97,40,false,Rebalance,Shift +1% to bonds from equity,-5,-27,BrokerD,VWAP,96,None,None,Normal monitoring,79,-33,131,4,false,Tax-aware sells next window
P0526,Hands-off,Roth,USD,2025-04-13,242563,16997,225566,1.0,69.1,22.9,0.0,8.0,HYG:20.8%;AAPL:20.8%;TLT:18.9%;MUB:19.3%;VNQ:14.7%;VOO:5.6%,US:65.8;EU:11.3;APAC:11.4;EM:10.2;Other:1.3,Value:+0.4;Growth:+0.1;Quality:+0.9;Size:+0.8;Momentum:-0.3;LowVol:-0.6,ESGOnly;NoDerivatives,6,30,5.9,trailing 8%,149,19.5,Volatile,25.9,4.72,2.2,127,8,39,69,true,Hedge,Buy index puts 1% notional,20,13,BrokerA,MKT,97,VAR>budget,TightenStops,Risk above budget threshold,-19,-50,86,3,false,Within IPS guidelines
P0527,Systematic,Trust,USD,2024-09-30,1092506,68012,1024494,1.0,64.0,27.9,0.0,8.0,XLF:19.6%;VTI:13.0%;TLT:11.1%;QQQ:21.5%;HYG:20.3%;BND:14.6%,US:65.1;EU:15.0;APAC:10.8;EM:6.8;Other:2.3,Value:-1.0;Growth:+0.4;Quality:+0.7;Size:+0.6;Momentum:+0.3;LowVol:-0.5,MaxPos8%;NoDerivatives,10,30,4.7,trailing 9%,212,18.6,Bull,16.8,3.6,2.7,91,3,56,50,false,Rebalance,Shift +1% to bonds from equity,-13,7,BrokerB,MKT,85,None,None,Normal monitoring,100,9,152,4,false,Increase defensive factor exposure
P0528,Cautious,401k,USD,2025-02-05,611877,83264,528613,1.0,40.7,43.4,2.1,13.8,AAPL:9.5%;GLD:22.7%;VTI:16.3%;TLT:22.7%;TSLA:15.8%;AMZN:13.0%,US:74.1;EU:7.9;APAC:9.1;EM:7.0;Other:1.9,Value:+0.3;Growth:-0.2;Quality:+1.0;Size:0.0;Momentum:+0.2;LowVol:+0.4,ESGOnly;NoMargin,8,30,5.0,trailing 10%,143,19.5,Bull,12.1,4.69,2.2,82,36,77,19,false,Sell,Trim extended winner -1%,-2,3,BrokerC,LMT,97,None,None,Normal monitoring,43,3,76,3,false,Increase defensive factor exposure
P0529,Active,Roth,USD,2024-09-20,2367954,281063,2086891,1.0,54.2,27.4,13.2,5.3,XLF:21.0%;VNQ:17.8%;QQQ:19.2%;GLD:21.0%;HYG:21.0%,US:67.3;EU:13.7;APAC:10.1;EM:4.9;Other:4.0,Value:-0.8;Growth:-1.0;Quality:-0.1;Size:-0.1;Momentum:-0.8;LowVol:-0.1,,6,30,4.9,trailing 9%,157,26.7,Bull,11.6,3.99,3.0,106,18,51,37,false,Hedge,Add TLT +1% as duration hedge,-13,-3,BrokerC,LMT,86,None,None,Normal monitoring,24,-4,158,4,false,Monitor dispersion and breadth
P0530,Hands-off,Taxable,USD,2025-09-01,698384,33034,665350,1.0,63.8,20.0,10.5,5.7,AMZN:25.2%;TLT:25.2%;IEF:25.2%;VTI:24.4%,US:65.9;EU:18.2;APAC:9.2;EM:6.6;Other:0.2,Value:-0.2;Growth:+0.7;Quality:-0.9;Size:+0.8;Momentum:+0.2;LowVol:+0.5,ESGOnly,5,35,5.3,hard 10%,102,13.8,Bull,12.2,4.87,2.5,76,83,98,48,true,Reduce,"Cut high-beta by 2-3%, add cash",11,-22,BrokerA,LMT,93,VAR>budget,Pause,Risk above budget threshold,-12,-31,-31,2,false,Monitor dispersion and breadth
P0531,Cautious,Trust,USD,2025-05-02,515219,78262,436957,1.0,48.9,30.5,7.3,13.3,QQQ:33.3%;XLF:33.3%;TSLA:33.3%,US:61.8;EU:15.0;APAC:12.5;EM:6.2;Other:4.6,Value:-0.1;Growth:-0.3;Quality:+0.2;Size:-0.1;Momentum:+0.7;LowVol:-0.6,ESGOnly;NoMargin,7,25,5.0,trailing 8%,160,17.8,Sideways,18.8,4.51,2.6,140,-18,48,47,false,Rebalance,Shift +1% to bonds from equity,13,-27,BrokerD,MKT,86,None,None,Normal monitoring,81,-45,123,3,false,Tax-aware sells next window
P0532,Active,Trust,USD,2024-07-16,660487,73386,587101,1.07,60.4,18.3,11.7,9.7,QQQ:25.0%;GLD:25.0%;VTI:25.0%;VNQ:25.0%,US:69.8;EU:17.1;APAC:8.0;EM:5.0;Other:0.0,Value:-0.9;Growth:+0.2;Quality:-0.4;Size:+1.0;Momentum:-0.7;LowVol:+0.5,NoDerivatives,10,25,5.1,trailing 9%,136,18.9,Bear,31.5,4.26,1.8,216,39,77,69,true,Hedge,Buy index puts 1% notional,26,-22,BrokerD,MKT,90,VAR>budget,TightenStops,Risk above budget threshold,29,-10,28,5,false,Monitor dispersion and breadth
P0533,Opportunistic,IRA,USD,2025-08-24,588114,48429,539685,1.0,71.1,17.9,3.2,7.7,AMZN:14.1%;BRK.B:13.4%;BND:22.2%;GLD:19.8%;XLF:16.6%;MUB:13.9%,US:67.5;EU:16.4;APAC:6.2;EM:7.8;Other:2.1,Value:-0.8;Growth:+0.8;Quality:+0.6;Size:-0.4;Momentum:+0.7;LowVol:-0.9,,10,25,4.4,trailing 7%,240,25.7,Volatile,20.7,4.96,3.1,111,38,76,56,false,Rebalance,Shift +1% to bonds from equity,31,6,BrokerA,LMT,97,None,None,Normal monitoring,88,0,70,4,false,Monitor dispersion and breadth
P0534,Active,Roth,USD,2024-12-02,1496409,177140,1319269,1.0,58.4,28.2,8.0,5.3,QQQ:25.0%;AAPL:25.0%;VTI:25.0%;TLT:25.0%,US:65.9;EU:17.5;APAC:7.2;EM:7.2;Other:2.2,Value:-0.9;Growth:-0.4;Quality:+0.7;Size:-0.0;Momentum:+0.6;LowVol:-0.9,NoDerivatives,5,25,4.4,trailing 8%,191,23.6,Bull,15.7,4.04,3.1,112,9,39,36,false,Sell,Trim extended winner -1%,32,-7,BrokerC,LMT,91,None,None,Normal monitoring,104,-31,214,4,false,Increase defensive factor exposure
P0535,Hands-off,Roth,USD,2025-12-23,158863,6837,152026,1.0,64.8,19.4,7.3,8.5,MUB:39.6%;TSLA:20.7%;AMZN:39.6%,US:78.3;EU:6.7;APAC:6.5;EM:8.3;Other:0.2,Value:0.0;Growth:+0.8;Quality:+0.2;Size:+0.4;Momentum:+0.4;LowVol:+0.2,ESGOnly;NoDerivatives,5,25,4.9,trailing 8%,125,14.7,Sideways,17.1,3.8,2.6,96,41,57,47,false,Rebalance,Shift +1% to bonds from equity,25,-8,BrokerD,LMT,93,None,None,Normal monitoring,117,14,192,5,false,Tax-aware sells next window
P0536,Active,Trust,USD,2025-01-09,704694,60171,644523,1.11,52.4,22.6,16.1,8.8,VOO:35.4%;IEF:35.4%;QQQ:29.2%,US:64.8;EU:22.8;APAC:7.6;EM:4.6;Other:0.1,Value:+0.7;Growth:+0.4;Quality:+0.3;Size:+0.4;Momentum:+0.1;LowVol:+0.3,MaxPos8%,7,25,5.0,trailing 8%,182,23.4,Volatile,31.9,4.44,3.1,146,80,86,76,true,Hedge,Buy index puts 1% notional,-2,-6,BrokerD,LMT,92,Drift>tolerance,Hedge,Allocation drift beyond policy bands,60,7,146,5,false,Increase defensive factor exposure
P0537,Hands-off,Taxable,USD,2025-05-20,420772,29679,391093,1.0,61.6,22.2,7.2,8.9,XLF:33.3%;IEF:33.3%;TLT:33.3%,US:72.7;EU:9.8;APAC:7.1;EM:6.9;Other:3.5,Value:+0.7;Growth:-1.0;Quality:-0.5;Size:-0.6;Momentum:+0.9;LowVol:+0.3,ESGOnly;NoDerivatives,8,35,4.7,trailing 8%,133,17.3,Volatile,29.6,5.42,2.3,161,58,90,73,true,Rebalance,Rebalance back to target bands,23,7,BrokerC,MKT,85,RegimeShift,Hedge,Volatility spike and breadth deterioration,-4,-43,-24,2,false,Increase defensive factor exposure
P0538,Opportunistic,Roth,USD,2025-08-29,599575,47133,552442,1.0,68.4,10.8,12.2,8.6,HYG:26.7%;BRK.B:19.8%;QQQ:26.7%;VTI:26.7%,US:69.6;EU:11.5;APAC:12.7;EM:4.9;Other:1.3,Value:-0.0;Growth:+0.4;Quality:+0.9;Size:+1.0;Momentum:+0.9;LowVol:+0.4,NoDerivatives,5,25,5.3,trailing 9%,259,27.9,Bull,16.6,3.85,3.4,108,87,100,46,false,Sell,Trim extended winner -1%,22,-19,BrokerC,MKT,95,None,None,Normal monitoring,25,2,136,4,false,Tax-aware sells next window
P0539,Active,401k,USD,2025-07-09,2197296,258557,1938739,1.05,60.5,24.5,5.6,9.4,IEF:25.0%;HYG:28.2%;VTI:28.2%;BRK.B:18.6%,US:64.7;EU:9.7;APAC:14.8;EM:9.3;Other:1.5,Value:+0.9;Growth:-0.7;Quality:-0.3;Size:+0.8;Momentum:+0.5;LowVol:-0.3,,5,30,5.8,trailing 8%,160,27.0,Bull,14.3,4.45,3.0,89,34,58,50,false,Sell,Trim extended winner -1%,22,-21,BrokerA,MKT,89,None,None,Normal monitoring,83,-28,212,5,false,Monitor dispersion and breadth
P0540,Active,Trust,USD,2025-06-10,1956667,117628,1839039,1.0,57.4,30.3,5.0,7.3,GLD:16.5%;BND:21.9%;MUB:21.9%;HYG:17.8%;AMZN:21.9%,US:69.2;EU:8.6;APAC:11.7;EM:6.9;Other:3.6,Value:-0.1;Growth:+0.4;Quality:+0.9;Size:-0.4;Momentum:+0.4;LowVol:+0.1,,5,35,4.2,trailing 9%,144,24.3,Bull,11.2,4.89,3.3,87,63,88,31,false,Hedge,Add TLT +1% as duration hedge,-5,-3,BrokerB,LMT,86,None,None,Normal monitoring,94,-45,95,3,false,Increase defensive factor exposure
P0541,Active,Trust,USD,2025-03-13,1164257,111643,1052614,1.0,69.7,20.4,2.7,7.3,MUB:11.0%;HYG:21.7%;BRK.B:10.5%;MSFT:21.7%;IEF:21.1%;TSLA:14.1%,US:61.1;EU:19.1;APAC:8.8;EM:9.9;Other:1.1,Value:+1.0;Growth:+0.6;Quality:+0.5;Size:-0.1;Momentum:-0.7;LowVol:-0.3,MaxPos5%;NoDerivatives,7,30,4.2,hard 12%,152,26.0,Volatile,31.0,3.78,2.1,151,-18,42,78,true,Rebalance,Rebalance back to target bands,-4,11,BrokerB,LMT,87,VAR>budget,Reduce,Risk above budget threshold,10,5,29,3,false,Monitor dispersion and breadth
P0542,Active,Roth,USD,2024-12-26,1631456,100693,1530763,1.0,66.7,22.2,1.7,9.4,TLT:36.3%;QQQ:27.4%;VNQ:36.3%,US:66.6;EU:15.4;APAC:8.3;EM:9.2;Other:0.5,Value:+0.8;Growth:+0.8;Quality:+0.2;Size:+0.7;Momentum:0.0;LowVol:+0.6,,7,30,5.0,trailing 9%,218,16.6,Volatile,28.0,3.6,3.9,143,-41,30,71,true,Hedge,Buy index puts 1% notional,-4,0,BrokerB,MKT,85,Drift>tolerance,Reduce,Allocation drift beyond policy bands,47,-4,80,3,false,Increase defensive factor exposure
P0543,Opportunistic,IRA,USD,2025-10-31,1372689,114062,1258627,1.0,70.3,11.1,12.0,6.5,VOO:22.6%;MSFT:22.6%;BND:22.4%;AMZN:22.6%;HYG:9.7%,US:61.2;EU:17.7;APAC:10.3;EM:8.4;Other:2.4,Value:+0.3;Growth:-0.4;Quality:+0.7;Size:+0.1;Momentum:-0.5;LowVol:-0.3,,5,25,5.0,hard 12%,279,22.4,Bull,11.8,3.67,2.0,87,48,83,42,false,Rebalance,Shift +1% to bonds from equity,34,-19,BrokerC,LMT,98,None,None,Normal monitoring,41,9,144,3,false,Tax-aware sells next window
P0544,Opportunistic,IRA,USD,2024-09-03,378795,17107,361688,1.0,72.0,14.0,7.0,7.0,QQQ:22.1%;VNQ:17.5%;MUB:17.4%;GLD:20.8%;MSFT:22.1%,US:68.9;EU:8.6;APAC:10.1;EM:7.3;Other:5.2,Value:+0.1;Growth:-0.7;Quality:-0.0;Size:-0.6;Momentum:-0.3;LowVol:+1.0,,5,30,6.7,hard 12%,224,28.5,Bear,29.3,4.09,2.4,136,16,58,87,true,Reduce,"Cut high-beta by 2-3%, add cash",17,-9,BrokerD,LMT,90,RegimeShift,Hedge,Volatility spike and breadth deterioration,81,-53,104,2,false,Increase defensive factor exposure
P0545,Opportunistic,401k,USD,2025-07-25,685736,56767,628969,1.0,71.1,21.2,0.0,7.7,VOO:33.3%;MSFT:33.3%;QQQ:33.3%,US:70.1;EU:10.5;APAC:11.6;EM:6.9;Other:0.9,Value:+0.8;Growth:+0.7;Quality:-0.5;Size:-0.8;Momentum:-0.6;LowVol:+0.6,MaxPos6%,5,25,6.9,trailing 7%,204,27.1,Bear,24.9,3.67,1.8,140,-77,5,68,false,Sell,Trim extended winner -1%,12,11,BrokerC,VWAP,89,None,None,Normal monitoring,-22,-13,45,4,false,Tax-aware sells next window
P0546,Hands-off,Roth,USD,2025-11-27,583650,53296,530354,1.0,66.5,27.0,0.0,6.5,QQQ:20.5%;MUB:12.2%;HYG:10.0%;VNQ:20.9%;BND:20.9%;BRK.B:15.6%,US:66.0;EU:15.2;APAC:11.9;EM:5.8;Other:1.0,Value:+0.7;Growth:-0.7;Quality:+0.6;Size:-0.5;Momentum:-0.2;LowVol:-0.1,NoDerivatives,6,25,3.2,trailing 8%,100,12.9,Bear,27.1,3.58,1.2,195,18,49,80,true,Hedge,Buy index puts 1% notional,10,-16,BrokerB,LMT,88,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-46,19,58,2,false,Within IPS guidelines
P0547,Cautious,IRA,USD,2025-06-25,519688,59846,459842,1.0,46.9,36.4,1.5,15.2,AMZN:22.4%;VOO:22.4%;BND:10.8%;IEF:22.4%;HYG:14.8%;MUB:7.4%,US:71.3;EU:13.5;APAC:6.1;EM:4.7;Other:4.4,Value:+0.3;Growth:-0.5;Quality:-0.7;Size:-0.1;Momentum:+0.9;LowVol:+0.9,ESGOnly;NoMargin,10,25,4.8,trailing 8%,118,19.6,Sideways,21.0,3.6,2.5,107,19,45,48,false,Rebalance,Shift +1% to bonds from equity,-5,5,BrokerC,MKT,89,None,None,Normal monitoring,100,20,62,5,false,Monitor dispersion and breadth
P0548,Opportunistic,Taxable,USD,2025-04-29,562259,32254,530005,1.0,75.7,16.4,1.1,6.8,GLD:20.7%;MSFT:9.6%;VNQ:21.4%;AAPL:14.6%;XLF:12.3%;QQQ:21.4%,US:63.0;EU:11.6;APAC:12.3;EM:10.4;Other:2.7,Value:+0.1;Growth:+0.1;Quality:-0.9;Size:-0.2;Momentum:+0.9;LowVol:-0.7,,5,25,5.8,hard 12%,280,25.0,Bull,11.3,3.67,2.5,86,66,84,57,false,Sell,Trim extended winner -1%,13,-9,BrokerC,MKT,100,None,None,Normal monitoring,80,-45,80,5,false,Increase defensive factor exposure
P0549,Opportunistic,Roth,USD,2025-05-06,1301246,68426,1232820,1.19,68.5,11.2,14.2,6.1,TLT:13.5%;XLF:12.1%;BRK.B:22.3%;MUB:16.9%;AMZN:22.3%;TSLA:13.0%,US:64.2;EU:13.8;APAC:10.3;EM:8.1;Other:3.7,Value:-0.7;Growth:+0.6;Quality:+1.0;Size:+0.4;Momentum:-0.6;LowVol:+0.8,MaxPos6%,5,25,5.5,trailing 7%,270,34.6,Sideways,15.7,4.77,2.8,120,1,36,44,false,Rebalance,Shift +1% to bonds from equity,4,1,BrokerC,MKT,89,None,None,Normal monitoring,-21,17,104,3,false,Monitor dispersion and breadth
P0550,Opportunistic,Taxable,USD,2025-06-20,771297,35791,735506,1.0,61.3,14.6,18.2,5.9,BRK.B:19.9%;TLT:14.9%;HYG:10.8%;IEF:21.2%;AAPL:11.9%;QQQ:21.2%,US:68.9;EU:11.0;APAC:10.3;EM:6.7;Other:3.1,Value:+0.9;Growth:-0.9;Quality:-0.1;Size:-0.0;Momentum:+0.5;LowVol:-0.3,MaxPos7%,5,35,6.8,hard 12%,230,34.3,Bull,14.4,3.74,2.4,116,87,100,39,false,Sell,Trim extended winner -1%,2,14,BrokerC,MKT,87,None,None,Normal monitoring,66,-33,83,4,false,Tighten stops on momentum names
P0551,Opportunistic,Taxable,USD,2025-01-04,1408484,87656,1320828,1.15,70.4,11.6,13.8,4.2,GLD:14.4%;IEF:9.5%;VNQ:17.3%;TLT:22.0%;MUB:14.7%;XLF:22.0%,US:67.2;EU:6.1;APAC:14.1;EM:11.8;Other:0.7,Value:-0.1;Growth:-0.2;Quality:-0.8;Size:+0.5;Momentum:+0.4;LowVol:+0.9,,10,35,4.4,hard 12%,208,21.9,Bull,16.2,3.65,3.3,105,94,100,64,false,Rebalance,Shift +1% to bonds from equity,-2,-13,BrokerD,LMT,95,None,None,Normal monitoring,25,15,103,5,false,Tighten stops on momentum names
P0552,Active,Roth,USD,2024-12-24,867984,89144,778840,1.0,68.5,21.4,4.9,5.2,XLF:21.0%;AMZN:21.1%;VNQ:21.1%;BND:16.3%;AAPL:20.6%,US:70.0;EU:10.6;APAC:6.8;EM:9.7;Other:2.9,Value:-0.3;Growth:-0.0;Quality:-0.7;Size:+0.8;Momentum:-0.4;LowVol:+0.5,MaxPos5%,8,25,4.9,trailing 9%,193,21.6,Sideways,19.0,3.57,3.3,123,15,54,64,false,Sell,Trim extended winner -1%,21,-28,BrokerD,LMT,88,None,None,Normal monitoring,13,10,31,5,false,Tighten stops on momentum names
P0553,Hands-off,IRA,USD,2024-08-11,564084,51844,512240,1.0,56.6,26.8,8.8,7.9,TLT:22.7%;QQQ:22.7%;VNQ:22.7%;VOO:8.7%;MUB:8.8%;BRK.B:14.3%,US:70.4;EU:9.2;APAC:8.8;EM:7.1;Other:4.6,Value:+0.6;Growth:-0.4;Quality:+0.2;Size:-0.5;Momentum:+0.2;LowVol:+0.4,ESGOnly;NoDerivatives,7,35,5.6,trailing 10%,104,18.4,Bull,11.9,3.89,2.3,105,85,100,47,false,Buy,Add to core equity +1%,25,10,BrokerC,MKT,95,None,None,Normal monitoring,-52,-13,-80,3,false,Within IPS guidelines
P0554,Hands-off,Taxable,USD,2025-07-15,770099,63075,707024,1.0,55.5,22.0,17.4,5.1,HYG:35.9%;TSLA:35.9%;QQQ:28.1%,US:71.5;EU:9.2;APAC:6.8;EM:9.6;Other:2.9,Value:+0.5;Growth:+1.0;Quality:-0.2;Size:+0.4;Momentum:-1.0;LowVol:0.0,MaxPos7%,8,35,5.7,trailing 8%,167,14.7,Volatile,22.3,4.01,2.6,132,35,62,60,false,NoAction,Within bands; monitor,28,-35,BrokerD,LMT,97,None,None,Normal monitoring,83,13,153,4,false,Increase defensive factor exposure
P0555,Active,401k,USD,2025-11-16,2347805,224542,2123263,1.0,64.8,28.3,0.0,6.9,BRK.B:33.3%;MSFT:33.3%;HYG:33.3%,US:64.9;EU:14.3;APAC:12.1;EM:4.6;Other:4.1,Value:-0.5;Growth:+0.6;Quality:+0.4;Size:-0.1;Momentum:+0.8;LowVol:-0.5,,10,30,5.2,trailing 8%,212,22.7,Volatile,27.2,4.08,3.3,147,-10,47,73,true,Hedge,Buy index puts 1% notional,1,-7,BrokerC,MKT,88,RegimeShift,Reduce,Volatility spike and breadth deterioration,-54,-7,-45,3,false,Within IPS guidelines
P0556,Opportunistic,IRA,USD,2025-11-13,532356,37844,494512,1.21,68.1,21.7,5.9,4.4,QQQ:13.8%;AAPL:10.1%;HYG:16.0%;XLF:21.3%;VOO:17.4%;MUB:21.3%,US:66.0;EU:9.3;APAC:11.8;EM:10.5;Other:2.5,Value:+0.4;Growth:+0.9;Quality:-0.9;Size:-0.3;Momentum:+0.5;LowVol:-0.0,MaxPos6%;NoDerivatives,8,25,5.4,trailing 9%,228,34.8,Sideways,15.0,3.93,3.4,96,-2,64,47,false,Buy,Add to core equity +1%,32,-12,BrokerA,LMT,86,None,None,Normal monitoring,60,-47,85,5,false,Within IPS guidelines
P0557,Opportunistic,Roth,USD,2025-12-21,1774840,118311,1656529,1.19,70.4,15.5,5.2,8.9,VOO:11.9%;AMZN:22.3%;IEF:15.2%;XLF:22.3%;MSFT:10.1%;AAPL:18.2%,US:54.5;EU:18.8;APAC:15.5;EM:10.5;Other:0.7,Value:-0.9;Growth:-0.7;Quality:+0.8;Size:-0.8;Momentum:+0.1;LowVol:-0.5,,6,35,5.3,trailing 7%,238,27.9,Bear,23.2,3.26,1.1,177,-35,18,62,false,Buy,Add to core equity +1%,25,-20,BrokerA,MKT,96,None,None,Normal monitoring,77,-4,123,4,false,Monitor dispersion and breadth
P0558,Active,Roth,USD,2025-06-18,2342162,184188,2157974,1.0,63.3,28.2,3.0,5.5,MSFT:35.7%;HYG:28.6%;VOO:35.7%,US:60.9;EU:15.3;APAC:7.6;EM:11.8;Other:4.4,Value:+0.6;Growth:-0.4;Quality:-0.8;Size:-0.1;Momentum:-0.3;LowVol:-0.6,,6,35,5.8,hard 12%,155,24.6,Bear,28.3,3.21,1.4,145,19,53,79,true,Hedge,Buy index puts 1% notional,22,-15,BrokerD,LMT,89,RegimeShift,Reduce,Volatility spike and breadth deterioration,69,-27,200,3,false,Increase defensive factor exposure
P0559,Cautious,Taxable,USD,2025-03-21,570326,62379,507947,1.0,48.0,35.1,4.6,12.4,IEF:28.9%;AAPL:35.6%;BRK.B:35.6%,US:59.2;EU:19.2;APAC:13.7;EM:3.3;Other:4.7,Value:+0.3;Growth:-0.5;Quality:-0.1;Size:-0.1;Momentum:-0.9;LowVol:-0.7,MaxPos7%;NoDerivatives;NoMargin,10,30,5.8,trailing 8%,150,19.0,Bull,14.6,4.18,3.4,71,14,44,35,true,Hedge,Buy index puts 1% notional,17,-1,BrokerD,MKT,98,VAR>budget,TightenStops,Risk above budget threshold,83,-18,123,2,false,Tax-aware sells next window
P0560,Hands-off,Taxable,USD,2025-07-08,713312,42595,670717,1.0,60.8,15.4,18.6,5.2,BRK.B:35.5%;BND:35.5%;IEF:28.9%,US:70.2;EU:11.3;APAC:7.8;EM:7.1;Other:3.6,Value:+0.7;Growth:-0.2;Quality:-0.7;Size:0.0;Momentum:+0.4;LowVol:+0.4,MaxPos6%;NoDerivatives,8,35,5.8,trailing 10%,137,14.0,Volatile,24.0,3.88,4.2,113,-27,51,72,true,Rebalance,Rebalance back to target bands,19,9,BrokerD,LMT,96,VAR>budget,TightenStops,Risk above budget threshold,-40,-2,58,5,false,Increase defensive factor exposure
P0561,Opportunistic,401k,USD,2024-08-26,765083,51869,713214,1.13,65.4,16.0,13.5,5.1,XLF:19.4%;AAPL:22.2%;VTI:22.2%;AMZN:12.7%;VNQ:12.1%;GLD:11.4%,US:70.2;EU:8.5;APAC:9.6;EM:11.3;Other:0.3,Value:-0.5;Growth:-0.4;Quality:-0.1;Size:+0.2;Momentum:+0.7;LowVol:-0.6,MaxPos7%,7,25,6.4,trailing 7%,247,25.4,Bear,26.7,4.13,2.6,145,-1,47,75,true,Reduce,"Cut high-beta by 2-3%, add cash",-10,-18,BrokerD,MKT,88,VAR>budget,Reduce,Risk above budget threshold,118,-11,132,3,true,Within IPS guidelines
P0562,Opportunistic,Roth,USD,2024-09-25,1185297,43707,1141590,1.0,65.1,12.6,14.8,7.5,VOO:18.5%;MUB:9.7%;AAPL:16.0%;BRK.B:14.3%;IEF:20.8%;TLT:20.8%,US:76.9;EU:8.4;APAC:10.3;EM:3.4;Other:1.0,Value:-0.5;Growth:-1.0;Quality:+0.9;Size:0.0;Momentum:+0.9;LowVol:+0.5,MaxPos5%,7,35,6.8,hard 12%,234,28.7,Volatile,23.1,4.7,4.4,172,-9,40,72,true,Rebalance,Rebalance back to target bands,9,9,BrokerC,LMT,86,Drift>tolerance,Reduce,Allocation drift beyond policy bands,8,10,144,2,true,Within IPS guidelines
P0563,Opportunistic,Taxable,USD,2025-10-12,1030468,51979,978489,1.0,68.6,16.5,6.6,8.3,GLD:10.7%;VOO:23.2%;IEF:15.4%;MSFT:23.2%;QQQ:17.4%;BRK.B:10.2%,US:71.4;EU:12.8;APAC:5.8;EM:8.5;Other:1.5,Value:-0.3;Growth:-0.2;Quality:-0.6;Size:-0.6;Momentum:+0.5;LowVol:-0.5,MaxPos5%,7,25,6.8,trailing 9%,274,20.6,Volatile,21.6,5.41,2.0,137,11,54,59,false,Buy,Add to core equity +1%,34,12,BrokerC,MKT,87,None,None,Normal monitoring,-21,18,-24,4,false,Increase defensive factor exposure
P0564,Active,401k,USD,2025-01-17,1753794,193964,1559830,1.0,56.9,27.9,8.1,7.1,BRK.B:33.9%;XLF:32.2%;TSLA:33.9%,US:68.0;EU:17.5;APAC:7.0;EM:6.9;Other:0.6,Value:+0.3;Growth:+0.3;Quality:+1.0;Size:-0.7;Momentum:+0.3;LowVol:-0.6,NoDerivatives,5,25,5.7,trailing 9%,132,24.2,Bear,25.2,3.72,1.3,167,-102,5,57,false,Buy,Add to core equity +1%,34,-39,BrokerD,LMT,92,None,None,Normal monitoring,-6,-12,35,3,false,Increase defensive factor exposure
P0565,Systematic,Roth,USD,2024-11-04,757717,74644,683073,1.0,55.5,30.1,7.7,6.8,HYG:33.3%;QQQ:33.3%;AMZN:33.3%,US:71.2;EU:9.9;APAC:14.2;EM:3.7;Other:1.2,Value:-0.5;Growth:+0.8;Quality:+0.9;Size:+0.5;Momentum:-0.9;LowVol:+0.4,MaxPos6%,8,35,4.6,trailing 8%,183,16.8,Bull,16.5,3.77,2.7,81,87,100,45,false,Buy,Add to core equity +1%,35,6,BrokerB,LMT,86,None,None,Normal monitoring,63,-10,96,4,false,Within IPS guidelines
P0566,Active,IRA,USD,2024-07-24,2057156,194828,1862328,1.0,62.8,27.5,0.0,9.7,BRK.B:33.3%;TLT:33.3%;VTI:33.3%,US:65.0;EU:16.0;APAC:7.0;EM:10.9;Other:1.1,Value:+0.3;Growth:-0.4;Quality:+0.2;Size:-0.3;Momentum:0.0;LowVol:-0.3,MaxPos8%;NoDerivatives,7,30,5.8,trailing 8%,229,18.4,Bull,15.6,3.93,2.2,78,88,100,40,false,Rebalance,Shift +1% to bonds from equity,0,-22,BrokerB,MKT,86,None,None,Normal monitoring,63,-22,103,3,false,Tax-aware sells next window
P0567,Opportunistic,Trust,USD,2025-02-14,1533567,47320,1486247,1.0,60.3,18.2,13.8,7.7,BRK.B:17.7%;AAPL:20.9%;IEF:20.9%;HYG:11.4%;VTI:14.8%;GLD:14.2%,US:67.6;EU:15.2;APAC:8.2;EM:7.0;Other:2.1,Value:-0.3;Growth:-0.9;Quality:+0.4;Size:+0.2;Momentum:-0.2;LowVol:-0.9,MaxPos6%;NoDerivatives,6,30,5.8,trailing 7%,186,30.0,Volatile,20.1,5.16,3.5,118,37,81,65,false,Buy,Add to core equity +1%,12,3,BrokerA,LMT,92,None,None,Normal monitoring,-48,-44,29,4,false,Monitor dispersion and breadth
P0568,Hands-off,Taxable,USD,2025-02-10,535531,34301,501230,1.0,66.6,24.5,0.0,8.8,IEF:19.4%;VTI:10.2%;AMZN:23.5%;VNQ:23.5%;MUB:23.5%,US:61.6;EU:18.1;APAC:8.0;EM:10.1;Other:2.2,Value:-0.9;Growth:+0.3;Quality:-0.1;Size:-0.2;Momentum:+0.5;LowVol:-0.5,NoDerivatives,6,25,4.3,trailing 8%,105,14.8,Sideways,20.1,4.16,3.2,138,-6,58,62,false,Sell,Trim extended winner -1%,-5,-1,BrokerA,LMT,94,None,None,Normal monitoring,4,-10,79,5,false,Increase defensive factor exposure
P0569,Systematic,IRA,USD,2025-07-24,1320854,69790,1251064,1.0,62.1,27.3,2.3,8.3,HYG:30.1%;AAPL:34.9%;MSFT:34.9%,US:65.5;EU:16.3;APAC:12.4;EM:3.7;Other:2.1,Value:+0.2;Growth:-0.4;Quality:-0.7;Size:-0.7;Momentum:+0.2;LowVol:0.0,,7,35,5.5,trailing 8%,212,25.5,Sideways,20.4,3.99,3.4,129,-29,49,62,false,Rebalance,Shift +1% to bonds from equity,-5,-13,BrokerB,MKT,90,None,None,Normal monitoring,-51,-49,25,4,false,Increase defensive factor exposure
P0570,Active,Trust,USD,2024-08-07,2307159,255272,2051887,1.0,65.1,22.2,3.2,9.5,VNQ:33.3%;XLF:33.3%;VTI:33.3%,US:67.1;EU:7.9;APAC:8.7;EM:14.4;Other:1.9,Value:+0.8;Growth:+0.7;Quality:-0.2;Size:-0.8;Momentum:+0.8;LowVol:-1.0,MaxPos8%,6,25,4.9,hard 12%,181,23.8,Volatile,31.7,5.44,3.7,158,78,95,82,true,Reduce,"Cut high-beta by 2-3%, add cash",16,-33,BrokerB,LMT,97,Drift>tolerance,Reduce,Allocation drift beyond policy bands,112,-42,82,5,false,Within IPS guidelines
P0571,Cautious,IRA,USD,2024-11-11,315146,29587,285559,1.0,49.3,35.2,4.3,11.2,AMZN:33.3%;VTI:33.3%;GLD:33.3%,US:77.4;EU:6.8;APAC:8.3;EM:4.1;Other:3.4,Value:+0.4;Growth:-0.9;Quality:+0.4;Size:+0.2;Momentum:+0.3;LowVol:+0.6,NoMargin,6,30,4.2,trailing 10%,139,17.1,Volatile,21.9,5.03,2.5,121,-40,31,45,false,NoAction,Within bands; monitor,20,-39,BrokerC,MKT,0,None,None,Normal monitoring,-58,11,-77,3,false,Tighten stops on momentum names
P0572,Cautious,401k,USD,2025-01-02,243084,24555,218529,1.0,52.4,35.0,0.0,12.6,IEF:21.5%;VTI:14.3%;GLD:21.5%;TSLA:20.2%;TLT:9.0%;MSFT:13.4%,US:70.9;EU:5.9;APAC:14.4;EM:6.1;Other:2.7,Value:+0.6;Growth:+0.2;Quality:-0.2;Size:-0.6;Momentum:+0.6;LowVol:-0.3,NoDerivatives;NoMargin,10,35,5.4,hard 10%,162,14.6,Bull,17.5,4.19,2.1,87,87,80,40,true,Hedge,Buy index puts 1% notional,-9,-16,BrokerC,MKT,90,RegimeShift,Hedge,Volatility spike and breadth deterioration,97,-27,127,3,false,Within IPS guidelines
P0573,Cautious,IRA,USD,2025-04-30,381195,56395,324800,1.0,36.8,39.6,7.9,15.7,VNQ:33.3%;AMZN:33.3%;GLD:33.3%,US:62.5;EU:12.0;APAC:13.0;EM:8.9;Other:3.6,Value:+1.0;Growth:-0.9;Quality:-0.1;Size:-0.7;Momentum:+0.5;LowVol:-0.2,ESGOnly;NoMargin,8,35,4.7,trailing 8%,103,17.8,Bull,14.2,3.62,3.0,102,3,64,34,false,Buy,Add to core equity +1%,-14,-19,BrokerC,LMT,96,None,None,Normal monitoring,86,-57,108,5,false,Tighten stops on momentum names
P0574,Cautious,Trust,USD,2024-08-10,519000,68238,450762,1.0,45.9,38.1,0.0,16.1,BND:18.9%;QQQ:22.3%;GLD:14.1%;MSFT:14.2%;AMZN:8.2%;BRK.B:22.3%,US:62.4;EU:14.3;APAC:11.5;EM:8.1;Other:3.7,Value:+0.1;Growth:-0.1;Quality:+0.9;Size:+0.6;Momentum:-0.7;LowVol:+0.4,NoMargin,7,25,4.9,trailing 8%,99,12.1,Volatile,21.6,4.54,4.3,116,-48,33,51,false,Rebalance,Shift +1% to bonds from equity,11,-40,BrokerD,MKT,95,None,None,Normal monitoring,99,-39,212,4,false,Tax-aware sells next window
P0575,Systematic,Taxable,USD,2025-10-24,439472,20787,418685,1.0,57.3,23.1,13.3,6.3,QQQ:17.7%;HYG:24.2%;IEF:24.2%;AAPL:9.7%;GLD:24.2%,US:68.7;EU:7.8;APAC:12.1;EM:8.8;Other:2.6,Value:+0.4;Growth:+0.8;Quality:-0.8;Size:+0.7;Momentum:+0.5;LowVol:-0.6,,10,30,5.3,trailing 8%,164,18.6,Bull,12.4,4.24,3.0,112,55,80,32,false,Rebalance,Shift +1% to bonds from equity,20,-38,BrokerB,MKT,93,None,None,Normal monitoring,-17,19,42,5,false,Increase defensive factor exposure
P0576,Cautious,Taxable,USD,2025-09-27,293598,28394,265204,1.0,46.0,38.6,0.0,15.3,TLT:29.7%;MUB:15.0%;AAPL:25.6%;BND:29.7%,US:70.3;EU:11.2;APAC:10.0;EM:4.3;Other:4.1,Value:-0.8;Growth:+0.4;Quality:-0.9;Size:-0.5;Momentum:+0.2;LowVol:+0.2,MaxPos8%;NoDerivatives;NoMargin,7,30,3.7,trailing 8%,150,17.5,Volatile,26.9,4.78,3.3,173,71,97,71,true,Reduce,"Cut high-beta by 2-3%, add cash",14,-17,BrokerA,LMT,85,VAR>budget,TightenStops,Risk above budget threshold,-7,-20,-4,2,false,Increase defensive factor exposure
P0577,Opportunistic,Taxable,USD,2024-08-28,1797526,133459,1664067,1.0,68.0,17.5,6.5,8.0,TSLA:22.6%;VTI:22.7%;TLT:18.8%;VOO:13.3%;QQQ:22.7%,US:77.5;EU:9.0;APAC:5.2;EM:3.6;Other:4.6,Value:-0.8;Growth:+0.7;Quality:-0.8;Size:+0.2;Momentum:+0.4;LowVol:0.0,NoDerivatives,5,25,4.6,trailing 9%,166,29.4,Volatile,27.3,4.3,2.7,178,-6,56,76,true,Rebalance,Rebalance back to target bands,32,-16,BrokerB,LMT,91,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-21,-1,-10,3,true,Increase defensive factor exposure
P0578,Opportunistic,Roth,USD,2025-05-01,1777607,136789,1640818,1.0,66.5,10.0,17.4,6.0,GLD:8.3%;VNQ:7.3%;HYG:22.2%;AMZN:19.2%;MUB:22.2%;IEF:20.7%,US:72.3;EU:10.3;APAC:5.4;EM:11.4;Other:0.7,Value:+0.6;Growth:+0.8;Quality:+1.0;Size:-0.8;Momentum:-0.1;LowVol:-0.6,MaxPos7%,7,30,5.7,trailing 7%,212,28.6,Volatile,24.4,5.11,4.0,174,-28,44,61,false,Rebalance,Shift +1% to bonds from equity,6,-22,BrokerB,LMT,96,None,None,Normal monitoring,-34,14,-34,3,false,Monitor dispersion and breadth
P0579,Hands-off,IRA,USD,2025-04-16,554876,44557,510319,1.0,63.0,27.8,0.0,9.3,BRK.B:14.8%;TLT:23.1%;IEF:23.1%;VNQ:23.1%;MSFT:15.8%,US:68.9;EU:11.0;APAC:9.6;EM:9.1;Other:1.4,Value:-0.7;Growth:-0.1;Quality:+1.0;Size:-0.1;Momentum:+0.4;LowVol:+0.4,ESGOnly;NoDerivatives,7,25,4.3,trailing 8%,111,12.7,Bull,17.4,3.79,3.0,92,107,100,45,false,Sell,Trim extended winner -1%,-13,-38,BrokerC,LMT,98,None,None,Normal monitoring,30,-34,152,5,false,Increase defensive factor exposure
P0580,Systematic,Roth,USD,2025-06-29,1646281,68570,1577711,1.0,61.2,21.7,11.2,5.9,VNQ:22.6%;BRK.B:38.7%;IEF:38.7%,US:63.3;EU:12.4;APAC:10.9;EM:9.2;Other:4.1,Value:-0.4;Growth:+0.4;Quality:-0.6;Size:-0.6;Momentum:-0.6;LowVol:-0.2,NoDerivatives,7,35,4.0,trailing 9%,127,24.7,Volatile,26.6,3.91,2.5,160,-45,19,61,true,Rebalance,Rebalance back to target bands,-15,-7,BrokerB,MKT,95,VAR>budget,Hedge,Risk above budget threshold,73,-7,133,3,false,Increase defensive factor exposure
P0581,Hands-off,Trust,USD,2025-12-26,390765,27412,363353,1.0,64.1,16.8,10.6,8.5,GLD:33.6%;AAPL:32.9%;VTI:33.6%,US:71.6;EU:10.7;APAC:11.8;EM:4.8;Other:1.2,Value:-0.6;Growth:+0.5;Quality:+0.4;Size:-0.5;Momentum:+0.8;LowVol:-0.4,ESGOnly;NoDerivatives,5,30,5.4,trailing 8%,170,12.9,Sideways,14.9,4.53,2.9,133,-4,44,38,false,Rebalance,Shift +1% to bonds from equity,32,-23,BrokerB,MKT,87,None,None,Normal monitoring,33,16,33,5,false,Tax-aware sells next window
P0582,Hands-off,Roth,USD,2024-11-16,665252,35839,629413,1.0,60.1,23.3,9.8,6.8,BRK.B:8.3%;MSFT:21.0%;VNQ:16.2%;TLT:21.0%;AMZN:19.0%;BND:14.4%,US:64.5;EU:20.6;APAC:8.4;EM:3.9;Other:2.7,Value:-0.0;Growth:-0.4;Quality:+0.3;Size:+0.9;Momentum:-0.5;LowVol:-0.3,ESGOnly,6,30,5.1,trailing 8%,149,15.2,Volatile,29.4,3.87,3.9,154,-30,28,65,false,Rebalance,Shift +1% to bonds from equity,24,-19,BrokerD,LMT,86,None,None,Normal monitoring,-51,-57,48,5,false,Tax-aware sells next window
P0583,Opportunistic,IRA,USD,2025-07-07,1697528,83481,1614047,1.09,68.6,14.8,11.8,4.9,HYG:28.6%;BRK.B:20.4%;GLD:22.3%;MSFT:28.6%,US:62.8;EU:17.0;APAC:9.8;EM:8.9;Other:1.5,Value:+0.7;Growth:-0.5;Quality:0.0;Size:-0.0;Momentum:-0.0;LowVol:+1.0,MaxPos8%,8,30,5.6,hard 12%,253,34.1,Volatile,25.4,4.76,3.3,131,-56,14,80,true,Hedge,Buy index puts 1% notional,1,-37,BrokerC,LMT,88,Drift>tolerance,Reduce,Allocation drift beyond policy bands,40,-11,122,2,false,Tighten stops on momentum names
P0584,Systematic,Trust,USD,2024-08-03,519293,43200,476093,1.0,65.6,22.6,4.8,6.9,IEF:9.8%;QQQ:21.8%;VOO:21.8%;HYG:17.4%;VNQ:10.3%;MUB:18.9%,US:71.2;EU:13.0;APAC:5.0;EM:7.1;Other:3.8,Value:-0.2;Growth:-0.4;Quality:-0.8;Size:-0.6;Momentum:+0.2;LowVol:-0.1,,7,30,5.5,hard 12%,174,26.6,Bear,28.0,3.04,1.2,155,-100,11,67,false,Rebalance,Shift +1% to bonds from equity,32,9,BrokerC,MKT,90,None,None,Normal monitoring,89,6,210,4,false,Within IPS guidelines
P0585,Hands-off,401k,USD,2025-02-21,549483,30471,519012,1.0,55.9,27.2,7.1,9.9,MSFT:22.0%;GLD:22.0%;AAPL:17.5%;BND:9.9%;TLT:13.3%;VNQ:15.4%,US:71.1;EU:14.4;APAC:7.9;EM:3.7;Other:2.9,Value:-0.6;Growth:-0.8;Quality:-0.7;Size:-0.2;Momentum:-0.6;LowVol:-0.1,,10,35,4.9,trailing 8%,144,19.3,Bear,34.2,4.27,1.5,185,16,67,77,true,Hedge,Buy index puts 1% notional,20,5,BrokerC,LMT,97,VAR>budget,Reduce,Risk above budget threshold,-12,-37,-50,3,false,Tighten stops on momentum names
P0586,Opportunistic,Roth,USD,2024-07-14,1416493,53707,1362786,1.0,60.9,16.8,16.1,6.2,MUB:25.9%;XLF:25.9%;MSFT:22.3%;TLT:25.9%,US:60.0;EU:17.2;APAC:12.3;EM:8.2;Other:2.3,Value:+0.6;Growth:-0.8;Quality:+0.1;Size:-0.5;Momentum:-0.2;LowVol:-0.8,NoDerivatives,6,30,4.5,trailing 7%,176,30.7,Volatile,29.0,3.58,2.2,147,46,66,77,true,Hedge,Buy index puts 1% notional,20,-15,BrokerD,LMT,88,Drift>tolerance,Hedge,Allocation drift beyond policy bands,66,-58,182,4,false,Monitor dispersion and breadth
P0587,Active,IRA,USD,2025-06-19,1618364,160839,1457525,1.0,66.4,28.2,0.0,5.4,TLT:9.6%;AAPL:25.7%;AMZN:25.7%;BND:25.7%;VNQ:13.2%,US:66.7;EU:18.9;APAC:5.5;EM:8.5;Other:0.5,Value:+0.5;Growth:+0.4;Quality:-0.9;Size:+0.1;Momentum:-0.1;LowVol:+0.7,MaxPos5%;NoDerivatives,7,30,5.8,hard 12%,218,27.3,Volatile,20.5,4.42,3.9,164,9,54,67,false,Hedge,Add TLT +1% as duration hedge,2,8,BrokerB,LMT,88,None,None,Normal monitoring,38,11,66,4,false,Tighten stops on momentum names
P0588,Active,Roth,USD,2025-03-02,2132318,186058,1946260,1.17,63.4,28.8,0.0,7.8,GLD:31.4%;BRK.B:19.1%;VOO:31.4%;VTI:18.2%,US:60.7;EU:12.9;APAC:14.7;EM:8.4;Other:3.3,Value:+0.1;Growth:+0.3;Quality:-0.4;Size:-0.0;Momentum:-0.2;LowVol:-0.2,,7,35,5.7,trailing 9%,194,26.0,Bull,15.2,3.78,2.5,76,86,83,55,true,Hedge,Buy index puts 1% notional,15,-22,BrokerC,LMT,96,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-60,-59,45,2,false,Within IPS guidelines
P0589,Systematic,IRA,USD,2024-10-18,618098,41477,576621,1.0,63.6,27.2,1.5,7.7,BND:19.8%;HYG:16.2%;VTI:6.9%;VNQ:15.0%;AMZN:21.0%;MSFT:21.0%,US:71.8;EU:7.0;APAC:13.1;EM:6.6;Other:1.4,Value:+0.7;Growth:-0.4;Quality:+0.2;Size:+0.9;Momentum:+0.9;LowVol:-0.7,MaxPos7%,7,30,4.2,hard 12%,149,19.5,Volatile,29.1,3.78,4.3,143,-37,28,71,true,Hedge,Buy index puts 1% notional,22,-26,BrokerD,MKT,91,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-31,-45,1,5,false,Within IPS guidelines
P0590,Opportunistic,IRA,USD,2024-09-22,539509,25906,513603,1.0,64.5,19.6,7.2,8.7,MUB:9.5%;MSFT:22.5%;VNQ:12.3%;VOO:22.5%;GLD:10.7%;BRK.B:22.5%,US:65.4;EU:14.1;APAC:10.9;EM:6.0;Other:3.6,Value:0.0;Growth:-0.7;Quality:-0.2;Size:+0.5;Momentum:+0.8;LowVol:-0.5,,6,35,6.7,hard 12%,233,29.2,Volatile,30.3,5.48,3.1,140,13,67,86,true,Hedge,Buy index puts 1% notional,5,3,BrokerA,LMT,96,VAR>budget,TightenStops,Risk above budget threshold,65,-24,58,4,false,Increase defensive factor exposure
P0591,Hands-off,Taxable,USD,2025-08-16,538768,35881,502887,1.0,60.2,25.7,7.2,6.9,AAPL:21.1%;MSFT:21.1%;BND:21.1%;QQQ:8.5%;TSLA:12.0%;BRK.B:16.3%,US:59.9;EU:22.9;APAC:8.2;EM:7.9;Other:1.2,Value:-0.2;Growth:+1.0;Quality:+0.8;Size:+0.2;Momentum:+0.4;LowVol:-0.9,ESGOnly;NoDerivatives,6,35,4.0,trailing 10%,134,13.9,Bull,13.2,5.0,3.2,96,74,100,32,false,Sell,Trim extended winner -1%,0,-17,BrokerD,MKT,90,None,None,Normal monitoring,22,-44,-6,4,false,Tax-aware sells next window
P0592,Active,Trust,USD,2025-01-15,2488706,267672,2221034,1.21,51.2,18.5,20.5,9.7,VTI:28.8%;TSLA:35.6%;IEF:35.6%,US:67.4;EU:13.6;APAC:8.6;EM:10.2;Other:0.2,Value:-0.3;Growth:-0.8;Quality:0.0;Size:+0.1;Momentum:+0.7;LowVol:+0.9,,10,25,5.3,trailing 9%,208,25.8,Bull,12.9,4.02,2.2,83,49,66,41,false,Sell,Trim extended winner -1%,18,-9,BrokerB,VWAP,96,None,None,Normal monitoring,10,-28,88,5,false,Increase defensive factor exposure
P0593,Active,Trust,USD,2025-03-16,1481931,104399,1377532,1.0,59.5,20.4,13.4,6.7,AAPL:8.4%;VTI:15.8%;VOO:20.5%;BND:20.5%;TSLA:17.4%;XLF:17.3%,US:69.5;EU:14.7;APAC:10.1;EM:2.9;Other:2.8,Value:-0.4;Growth:+0.9;Quality:-0.7;Size:-0.9;Momentum:+1.0;LowVol:-0.1,,8,25,4.3,trailing 8%,166,17.3,Bear,30.1,3.73,1.8,143,-18,51,81,true,Hedge,Buy index puts 1% notional,-6,4,BrokerA,MKT,91,Drift>tolerance,Reduce,Allocation drift beyond policy bands,89,-12,139,3,false,Tax-aware sells next window
P0594,Opportunistic,Trust,USD,2025-05-15,486490,21686,464804,1.0,68.0,20.7,4.6,6.7,IEF:25.7%;BRK.B:25.9%;VOO:22.5%;MUB:25.9%,US:72.4;EU:8.4;APAC:11.2;EM:5.3;Other:2.7,Value:-0.4;Growth:-0.7;Quality:+0.2;Size:+0.6;Momentum:+0.5;LowVol:+0.5,MaxPos6%,10,25,6.6,hard 12%,271,33.1,Bull,13.0,3.9,2.6,92,64,77,56,false,Sell,Trim extended winner -1%,-9,-17,BrokerB,LMT,97,None,None,Normal monitoring,65,-17,172,4,false,Within IPS guidelines
P0595,Opportunistic,Roth,USD,2025-09-04,389969,33744,356225,1.0,73.9,20.2,0.0,5.8,IEF:33.3%;AMZN:33.3%;MUB:33.3%,US:56.7;EU:18.7;APAC:9.4;EM:11.3;Other:3.8,Value:+0.6;Growth:+0.3;Quality:-0.2;Size:-0.9;Momentum:-0.9;LowVol:+0.7,MaxPos8%;NoDerivatives,5,30,5.0,trailing 7%,222,21.0,Bull,15.8,3.63,2.7,116,24,65,54,false,NoAction,Within bands; monitor,23,-21,BrokerD,VWAP,97,None,None,Normal monitoring,26,17,8,4,false,Within IPS guidelines
P0596,Opportunistic,401k,USD,2024-09-19,1576295,55835,1520460,1.0,76.7,19.0,0.0,4.3,GLD:33.3%;BND:33.3%;TSLA:33.3%,US:72.8;EU:6.8;APAC:10.5;EM:7.0;Other:2.9,Value:-0.2;Growth:-0.5;Quality:+0.9;Size:+0.3;Momentum:-0.7;LowVol:-0.2,,8,35,5.3,hard 12%,227,27.4,Volatile,29.2,4.1,4.1,166,43,70,79,true,Hedge,Buy index puts 1% notional,5,15,BrokerA,LMT,94,VAR>budget,Pause,Risk above budget threshold,100,-31,86,4,false,Tighten stops on momentum names
P0597,Cautious,IRA,USD,2025-12-11,858947,82245,776702,1.0,44.4,34.0,7.4,14.2,HYG:34.3%;TLT:31.4%;BND:34.3%,US:59.3;EU:22.0;APAC:6.0;EM:10.6;Other:2.1,Value:+0.6;Growth:-0.7;Quality:-0.7;Size:-0.6;Momentum:+0.7;LowVol:+0.9,ESGOnly;MaxPos7%;NoMargin,10,30,4.9,trailing 10%,147,16.2,Bull,12.3,4.3,2.3,110,82,99,31,false,Sell,Trim extended winner -1%,-12,12,BrokerC,VWAP,93,None,None,Normal monitoring,-33,-12,83,3,false,Within IPS guidelines
P0598,Cautious,Taxable,USD,2025-03-02,793895,92827,701068,1.0,44.7,34.4,5.1,15.8,BRK.B:22.0%;AAPL:8.2%;IEF:22.5%;MUB:9.3%;TSLA:16.3%;BND:21.7%,US:64.1;EU:13.9;APAC:11.5;EM:10.0;Other:0.5,Value:-0.3;Growth:-0.4;Quality:-0.2;Size:+0.1;Momentum:-0.2;LowVol:+0.9,MaxPos8%;NoDerivatives;NoMargin,7,30,5.8,hard 10%,129,18.4,Sideways,17.7,4.28,2.3,91,3,45,43,false,Rebalance,Shift +1% to bonds from equity,20,7,BrokerA,MKT,87,None,None,Normal monitoring,116,-46,114,5,false,Tax-aware sells next window
P0599,Active,Taxable,USD,2025-04-06,907535,94377,813158,1.0,65.6,24.3,3.2,6.9,VOO:9.3%;TLT:20.6%;GLD:20.6%;XLF:15.6%;AAPL:13.2%;MUB:20.6%,US:65.7;EU:22.2;APAC:6.5;EM:4.6;Other:1.0,Value:+0.2;Growth:-0.1;Quality:-0.6;Size:+0.5;Momentum:+0.9;LowVol:-1.0,,7,35,5.6,trailing 8%,224,16.0,Volatile,31.6,4.1,2.3,165,74,100,74,true,Rebalance,Rebalance back to target bands,7,-25,BrokerA,LMT,91,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,16,13,3,5,false,Tax-aware sells next window
P0600,Hands-off,401k,USD,2025-04-08,210236,19276,190960,1.0,58.8,25.1,6.7,9.4,TSLA:17.0%;HYG:17.6%;AAPL:20.1%;VOO:12.8%;BRK.B:16.5%;IEF:16.1%,US:74.7;EU:11.8;APAC:5.3;EM:3.4;Other:4.9,Value:+0.9;Growth:-0.4;Quality:-0.4;Size:-0.5;Momentum:-0.5;LowVol:-0.6,ESGOnly,6,30,3.6,trailing 8%,162,18.6,Bear,30.8,4.01,2.0,160,-116,5,78,true,Reduce,"Cut high-beta by 2-3%, add cash",-1,6,BrokerD,LMT,88,VAR>budget,Hedge,Risk above budget threshold,107,-21,95,5,false,Tighten stops on momentum names
P0601,Cautious,IRA,USD,2025-04-11,512343,81454,430889,1.0,44.0,30.9,12.2,12.9,IEF:17.6%;TSLA:19.9%;VNQ:20.9%;VTI:20.8%;BRK.B:20.9%,US:64.7;EU:8.4;APAC:14.9;EM:11.2;Other:0.9,Value:-0.2;Growth:+0.9;Quality:-0.3;Size:-0.6;Momentum:+0.5;LowVol:+0.2,ESGOnly;NoMargin,7,25,4.2,trailing 8%,169,14.9,Bear,22.7,3.85,1.7,136,1,42,50,true,Hedge,Buy index puts 1% notional,26,-13,BrokerB,MKT,85,VAR>budget,Hedge,Risk above budget threshold,67,-22,142,4,false,Tax-aware sells next window
P0602,Cautious,Taxable,USD,2025-04-02,650920,79134,571786,1.0,36.7,33.5,16.1,13.8,AAPL:29.4%;BND:29.4%;VNQ:23.0%;HYG:18.2%,US:64.1;EU:13.8;APAC:7.3;EM:14.2;Other:0.7,Value:0.0;Growth:-0.2;Quality:+0.2;Size:-0.3;Momentum:-0.9;LowVol:+0.3,ESGOnly;NoMargin,10,25,5.3,trailing 8%,97,18.5,Bull,12.6,3.58,2.2,79,119,95,24,false,Buy,Add to core equity +1%,7,-11,BrokerA,VWAP,91,None,None,Normal monitoring,-38,-59,8,3,false,Tax-aware sells next window
P0603,Hands-off,Roth,USD,2025-12-06,572739,27197,545542,1.0,58.5,23.5,10.8,7.1,VTI:17.3%;TLT:18.1%;AAPL:21.5%;BRK.B:7.5%;TSLA:14.2%;MUB:21.5%,US:73.2;EU:10.2;APAC:7.0;EM:9.6;Other:0.0,Value:-0.3;Growth:-0.2;Quality:+0.2;Size:-0.7;Momentum:-0.6;LowVol:-0.7,ESGOnly;NoDerivatives,8,25,5.5,trailing 10%,169,18.0,Bull,17.7,4.48,2.3,114,62,91,59,false,Buy,Add to core equity +1%,12,-29,BrokerD,MKT,87,None,None,Normal monitoring,40,8,145,5,false,Monitor dispersion and breadth
P0604,Cautious,IRA,USD,2025-10-14,253153,29006,224147,1.0,50.1,39.2,0.0,10.7,IEF:16.3%;AMZN:17.4%;AAPL:15.2%;VTI:25.5%;MSFT:25.5%,US:59.1;EU:15.6;APAC:11.6;EM:12.4;Other:1.4,Value:-0.5;Growth:+0.2;Quality:-0.8;Size:-0.2;Momentum:+0.5;LowVol:-0.4,NoDerivatives;NoMargin,7,30,4.8,trailing 10%,115,13.1,Sideways,15.5,4.76,2.1,124,24,55,43,false,Sell,Trim extended winner -1%,24,-7,BrokerA,LMT,94,None,None,Normal monitoring,-35,-18,82,3,false,Increase defensive factor exposure
P0605,Active,Roth,USD,2025-08-01,1691835,177706,1514129,1.19,56.4,22.1,14.4,7.1,IEF:19.8%;AAPL:15.6%;BRK.B:21.8%;XLF:21.1%;BND:21.8%,US:69.2;EU:16.1;APAC:6.0;EM:8.0;Other:0.7,Value:+0.8;Growth:+0.1;Quality:+0.4;Size:+0.1;Momentum:-0.7;LowVol:+1.0,,10,30,5.0,trailing 9%,162,21.9,Bear,25.1,3.25,1.1,212,-110,5,65,false,NoAction,Within bands; monitor,17,-21,BrokerB,MKT,0,None,None,Normal monitoring,4,-32,9,3,false,Within IPS guidelines
P0606,Active,Roth,USD,2025-05-02,1430363,96405,1333958,1.0,68.5,22.0,2.5,7.1,XLF:33.3%;GLD:33.3%;AAPL:33.3%,US:68.7;EU:7.9;APAC:11.1;EM:10.1;Other:2.2,Value:+0.3;Growth:-1.0;Quality:-0.3;Size:-0.1;Momentum:-0.2;LowVol:-0.6,,8,30,4.2,hard 12%,147,17.4,Bull,14.8,4.02,2.4,119,53,86,50,false,Buy,Add to core equity +1%,13,-5,BrokerA,MKT,96,None,None,Normal monitoring,109,-15,75,3,false,Within IPS guidelines
P0607,Hands-off,Taxable,USD,2024-08-25,315073,13723,301350,1.0,56.5,18.2,17.5,7.9,XLF:28.4%;MSFT:16.7%;MUB:28.4%;TLT:26.5%,US:67.8;EU:14.4;APAC:5.8;EM:10.0;Other:2.0,Value:-0.3;Growth:+0.6;Quality:+0.9;Size:+0.7;Momentum:+0.4;LowVol:+1.0,ESGOnly;MaxPos8%,10,35,4.1,trailing 10%,149,12.8,Bull,17.7,4.81,3.3,86,14,48,52,false,NoAction,Within bands; monitor,9,-1,BrokerC,MKT,0,None,None,Normal monitoring,29,-9,159,4,false,Tighten stops on momentum names
P0608,Systematic,Taxable,USD,2025-12-02,455564,27522,428042,1.0,58.1,34.1,0.0,7.8,AMZN:27.5%;GLD:27.5%;VOO:27.5%;VNQ:17.4%,US:68.2;EU:14.9;APAC:5.7;EM:7.3;Other:3.9,Value:+0.8;Growth:-0.8;Quality:-0.6;Size:+0.4;Momentum:+0.6;LowVol:-0.9,MaxPos8%,8,25,5.0,trailing 9%,160,23.0,Bull,17.4,3.67,2.1,84,40,77,49,false,Sell,Trim extended winner -1%,-7,11,BrokerC,LMT,98,None,None,Normal monitoring,4,-6,110,3,false,Monitor dispersion and breadth
P0609,Hands-off,Roth,USD,2024-08-13,603338,26893,576445,1.0,62.4,21.1,9.3,7.3,BND:18.5%;BRK.B:20.1%;AMZN:21.0%;TLT:8.9%;VTI:10.6%;MUB:21.0%,US:63.7;EU:18.0;APAC:8.8;EM:9.0;Other:0.5,Value:+0.3;Growth:+0.2;Quality:+0.8;Size:-0.6;Momentum:+0.6;LowVol:+0.6,ESGOnly;MaxPos5%;NoDerivatives,6,30,3.3,trailing 8%,113,17.7,Bull,17.2,3.85,3.2,72,27,55,45,false,Buy,Add to core equity +1%,-13,6,BrokerC,LMT,96,None,None,Normal monitoring,102,-54,212,4,false,Increase defensive factor exposure
P0610,Systematic,Taxable,USD,2025-01-20,1328275,53715,1274560,1.0,62.8,21.7,5.7,9.7,VTI:24.4%;BND:24.4%;AAPL:11.7%;BRK.B:14.9%;MSFT:24.4%,US:58.0;EU:16.5;APAC:12.5;EM:12.7;Other:0.3,Value:-0.4;Growth:+0.1;Quality:+0.4;Size:+0.8;Momentum:+0.7;LowVol:+0.3,NoDerivatives,6,35,5.3,trailing 9%,188,25.1,Volatile,27.2,4.48,3.6,139,13,63,73,true,Reduce,"Cut high-beta by 2-3%, add cash",9,13,BrokerC,VWAP,99,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-2,17,-36,2,false,Monitor dispersion and breadth
P0611,Hands-off,Trust,USD,2025-07-27,524158,28828,495330,1.0,55.4,19.2,18.5,6.9,BRK.B:16.9%;MUB:21.3%;IEF:13.1%;VTI:7.3%;AAPL:21.3%;GLD:20.2%,US:68.8;EU:10.8;APAC:10.0;EM:5.0;Other:5.4,Value:-0.4;Growth:+0.9;Quality:-0.0;Size:+0.2;Momentum:+0.7;LowVol:+0.8,ESGOnly,6,30,3.1,trailing 8%,152,19.9,Bear,30.0,4.49,1.9,160,-90,5,77,true,Reduce,"Cut high-beta by 2-3%, add cash",20,11,BrokerC,VWAP,94,VAR>budget,TightenStops,Risk above budget threshold,12,-16,138,3,false,Tighten stops on momentum names
P0612,Cautious,Taxable,USD,2025-12-21,783983,104073,679910,1.0,47.1,41.7,0.0,11.2,IEF:17.6%;AMZN:22.3%;VNQ:10.7%;GLD:11.4%;TLT:15.6%;AAPL:22.3%,US:61.0;EU:17.5;APAC:9.0;EM:9.4;Other:3.0,Value:+0.3;Growth:-0.5;Quality:-0.6;Size:+0.4;Momentum:-0.3;LowVol:+0.5,ESGOnly;NoMargin,5,25,5.9,trailing 8%,127,12.2,Sideways,21.4,4.28,2.5,110,11,65,51,false,Rebalance,Shift +1% to bonds from equity,9,11,BrokerB,LMT,99,None,None,Normal monitoring,92,-22,98,4,false,Within IPS guidelines
P0613,Hands-off,401k,USD,2025-03-01,371046,27774,343272,1.0,73.5,16.9,0.0,9.6,VTI:20.9%;XLF:20.9%;HYG:9.8%;TLT:11.0%;MSFT:19.4%;VOO:18.0%,US:74.8;EU:5.4;APAC:13.1;EM:3.4;Other:3.3,Value:+0.7;Growth:-0.1;Quality:-1.0;Size:-0.7;Momentum:-0.8;LowVol:+0.5,MaxPos8%,5,35,4.9,trailing 10%,114,14.0,Volatile,27.4,5.24,4.1,126,-52,21,85,true,Reduce,"Cut high-beta by 2-3%, add cash",20,-11,BrokerD,MKT,90,VAR>budget,Hedge,Risk above budget threshold,71,-28,148,4,false,Tighten stops on momentum names
P0614,Active,Roth,USD,2025-06-25,2483547,228710,2254837,1.0,63.5,22.2,7.2,7.1,BND:22.9%;QQQ:22.5%;AAPL:19.5%;TSLA:17.8%;GLD:17.4%,US:59.9;EU:16.0;APAC:13.1;EM:10.6;Other:0.5,Value:+0.6;Growth:-0.9;Quality:+0.9;Size:-1.0;Momentum:0.0;LowVol:-0.3,MaxPos7%;NoDerivatives,7,35,6.0,trailing 9%,185,26.1,Bear,31.0,4.29,2.0,185,31,76,85,true,Rebalance,Rebalance back to target bands,2,-26,BrokerD,VWAP,97,Drift>tolerance,Pause,Allocation drift beyond policy bands,119,18,143,4,false,Within IPS guidelines
P0615,Active,IRA,USD,2024-11-21,633699,49327,584372,1.13,67.5,20.3,4.7,7.6,AAPL:15.3%;MSFT:18.6%;QQQ:11.0%;GLD:18.7%;HYG:16.0%;MUB:20.4%,US:73.6;EU:9.3;APAC:8.4;EM:8.3;Other:0.3,Value:+0.7;Growth:-0.6;Quality:-0.7;Size:-0.6;Momentum:-1.0;LowVol:+0.5,,5,30,4.5,trailing 8%,212,24.7,Volatile,26.4,5.04,3.5,158,-26,47,81,true,Hedge,Buy index puts 1% notional,33,-15,BrokerD,MKT,97,VAR>budget,Hedge,Risk above budget threshold,-3,16,68,5,false,Increase defensive factor exposure
P0616,Cautious,IRA,USD,2025-10-15,530706,76431,454275,1.0,37.1,40.1,8.8,14.0,MUB:33.3%;TLT:33.3%;HYG:33.3%,US:65.4;EU:14.8;APAC:9.0;EM:7.8;Other:3.1,Value:+0.1;Growth:-0.5;Quality:-1.0;Size:-0.1;Momentum:+0.3;LowVol:+0.8,ESGOnly;NoDerivatives;NoMargin,5,25,3.6,trailing 10%,169,14.4,Bull,15.2,4.76,2.6,74,90,84,26,false,Buy,Add to core equity +1%,-9,12,BrokerA,LMT,98,None,None,Normal monitoring,60,-43,103,3,false,Tighten stops on momentum names
P0617,Hands-off,Roth,USD,2025-02-16,305392,25970,279422,1.0,71.1,23.0,0.0,5.9,GLD:33.3%;MUB:33.3%;BRK.B:33.3%,US:66.7;EU:10.5;APAC:16.6;EM:3.7;Other:2.5,Value:-0.4;Growth:-0.5;Quality:-1.0;Size:+0.8;Momentum:-0.2;LowVol:+0.8,ESGOnly;MaxPos8%,8,30,4.4,hard 10%,97,12.6,Bull,11.4,3.79,2.3,75,1,64,35,false,Rebalance,Shift +1% to bonds from equity,-6,15,BrokerC,MKT,92,None,None,Normal monitoring,52,3,85,3,false,Tighten stops on momentum names
P0618,Systematic,Roth,USD,2024-12-24,1974406,172238,1802168,1.0,65.3,24.2,3.3,7.2,MSFT:33.3%;IEF:33.3%;AMZN:33.3%,US:67.5;EU:11.5;APAC:11.2;EM:8.2;Other:1.5,Value:+0.2;Growth:+0.5;Quality:-0.9;Size:-0.6;Momentum:-0.9;LowVol:-1.0,MaxPos6%,7,35,5.0,trailing 8%,147,26.8,Bear,30.7,3.45,2.4,205,-25,40,81,true,Rebalance,Rebalance back to target bands,2,8,BrokerA,LMT,90,Drift>tolerance,Hedge,Allocation drift beyond policy bands,10,-35,133,3,false,Increase defensive factor exposure
P0619,Opportunistic,401k,USD,2025-09-07,1318456,96082,1222374,1.1,77.9,11.4,6.6,4.1,BND:22.9%;VTI:14.4%;HYG:16.9%;MUB:22.9%;XLF:22.9%,US:63.8;EU:14.4;APAC:12.5;EM:5.3;Other:4.0,Value:-0.4;Growth:+0.1;Quality:+1.0;Size:+1.0;Momentum:+0.8;LowVol:-0.3,MaxPos5%,8,25,4.9,trailing 9%,217,33.1,Bull,17.3,3.54,2.3,115,10,42,71,false,Sell,Trim extended winner -1%,-5,-39,BrokerC,MKT,91,None,None,Normal monitoring,3,-51,51,4,false,Tighten stops on momentum names
P0620,Hands-off,Taxable,USD,2025-12-01,394400,16900,377500,1.0,63.9,24.1,5.8,6.2,GLD:37.5%;TLT:37.5%;BRK.B:25.0%,US:67.5;EU:11.3;APAC:10.5;EM:5.9;Other:4.8,Value:+0.6;Growth:-0.5;Quality:-0.2;Size:+0.1;Momentum:0.0;LowVol:+0.3,ESGOnly,8,35,3.6,trailing 8%,144,13.1,Bull,13.0,4.67,2.1,87,21,47,47,false,Rebalance,Shift +1% to bonds from equity,24,-39,BrokerD,MKT,89,None,None,Normal monitoring,2,-50,28,4,false,Increase defensive factor exposure
P0621,Systematic,401k,USD,2025-03-07,1433909,111573,1322336,1.0,63.2,31.8,0.0,5.1,TLT:33.5%;HYG:33.5%;MUB:33.0%,US:73.8;EU:9.9;APAC:7.6;EM:7.2;Other:1.5,Value:-0.4;Growth:-0.4;Quality:-0.9;Size:-0.9;Momentum:+0.9;LowVol:-0.3,,6,30,5.0,trailing 8%,199,23.5,Bull,13.5,4.62,2.8,88,47,67,53,false,Sell,Trim extended winner -1%,9,15,BrokerB,MKT,93,None,None,Normal monitoring,106,-28,83,4,false,Monitor dispersion and breadth
P0622,Active,Taxable,USD,2025-05-09,1430280,123800,1306480,1.0,67.0,18.7,5.3,9.1,GLD:33.3%;QQQ:33.3%;VTI:33.3%,US:52.2;EU:19.8;APAC:15.0;EM:10.5;Other:2.5,Value:+0.4;Growth:+0.9;Quality:-0.1;Size:-0.8;Momentum:+0.5;LowVol:+0.7,,8,30,5.2,trailing 8%,197,22.0,Bull,15.0,4.83,2.7,80,119,100,59,false,Rebalance,Shift +1% to bonds from equity,26,13,BrokerD,MKT,97,None,None,Normal monitoring,57,-31,41,5,false,Increase defensive factor exposure
P0623,Hands-off,Taxable,USD,2024-11-27,847246,65929,781317,1.0,61.5,16.7,12.9,8.9,TSLA:22.9%;IEF:20.8%;GLD:21.6%;VOO:12.0%;VNQ:22.9%,US:69.9;EU:8.2;APAC:6.3;EM:9.9;Other:5.7,Value:-0.9;Growth:+0.7;Quality:+0.6;Size:-0.6;Momentum:+0.9;LowVol:-0.6,NoDerivatives,6,35,5.6,trailing 8%,101,18.1,Bear,34.4,3.94,2.1,182,-7,60,84,true,Reduce,"Cut high-beta by 2-3%, add cash",-6,-22,BrokerB,MKT,93,VAR>budget,Pause,Risk above budget threshold,48,-17,159,3,false,Within IPS guidelines
P0624,Systematic,Trust,USD,2025-05-22,665571,63438,602133,1.0,58.4,25.0,8.4,8.2,BND:33.3%;HYG:33.3%;XLF:33.3%,US:73.3;EU:13.7;APAC:8.7;EM:4.1;Other:0.2,Value:-0.9;Growth:+0.4;Quality:0.0;Size:+0.6;Momentum:+0.1;LowVol:-0.1,,8,30,5.2,trailing 8%,182,18.1,Volatile,21.9,3.99,2.7,122,80,80,57,true,Hedge,Buy index puts 1% notional,-14,13,BrokerD,LMT,85,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-2,6,93,3,false,Tax-aware sells next window
P0625,Active,Trust,USD,2025-08-18,1869861,118782,1751079,1.0,51.5,25.6,16.5,6.4,AMZN:26.1%;VTI:26.1%;MUB:21.6%;GLD:26.1%,US:64.3;EU:16.5;APAC:7.0;EM:8.2;Other:4.1,Value:+0.1;Growth:+0.8;Quality:-0.3;Size:-0.2;Momentum:+0.3;LowVol:+0.2,MaxPos7%;NoDerivatives,10,30,5.9,trailing 8%,219,20.0,Sideways,14.4,4.95,2.0,131,1,65,35,false,Hedge,Add TLT +1% as duration hedge,-14,13,BrokerB,MKT,89,None,None,Normal monitoring,-8,-47,114,3,false,Tax-aware sells next window
P0626,Cautious,IRA,USD,2024-10-29,842381,76540,765841,1.0,36.1,39.0,7.1,17.7,MSFT:30.4%;HYG:34.8%;BRK.B:34.8%,US:59.6;EU:16.6;APAC:15.2;EM:6.2;Other:2.3,Value:+0.1;Growth:+0.4;Quality:-0.7;Size:-0.4;Momentum:+0.1;LowVol:+0.2,NoDerivatives;NoMargin,7,35,5.5,trailing 10%,116,17.5,Bear,32.4,4.18,1.9,215,-20,44,58,false,NoAction,Within bands; monitor,16,-36,BrokerB,MKT,0,None,None,Normal monitoring,-46,-16,-6,5,false,Tax-aware sells next window
P0627,Cautious,Trust,USD,2025-11-27,232505,26836,205669,1.0,44.8,41.4,0.0,13.8,QQQ:21.7%;VNQ:26.1%;XLF:26.1%;MSFT:26.1%,US:71.7;EU:7.1;APAC:9.8;EM:7.4;Other:4.0,Value:-0.6;Growth:-0.9;Quality:+0.3;Size:-0.0;Momentum:+0.1;LowVol:+0.9,MaxPos6%;NoDerivatives;NoMargin,6,30,3.2,trailing 8%,90,18.5,Bull,12.7,4.6,2.5,117,93,85,39,false,Rebalance,Shift +1% to bonds from equity,25,-10,BrokerB,LMT,100,None,None,Normal monitoring,-6,-48,76,5,false,Tax-aware sells next window
P0628,Systematic,Taxable,USD,2024-09-18,1580789,90681,1490108,1.0,57.4,23.5,12.0,7.1,AMZN:17.2%;VOO:9.0%;VTI:24.6%;MUB:24.6%;GLD:24.6%,US:73.5;EU:10.0;APAC:7.4;EM:5.5;Other:3.5,Value:+0.3;Growth:-0.2;Quality:-0.3;Size:-0.6;Momentum:+0.4;LowVol:-0.1,MaxPos6%,10,35,5.4,trailing 9%,142,17.9,Sideways,14.8,4.04,2.2,111,-28,25,41,false,Buy,Add to core equity +1%,18,-38,BrokerA,VWAP,93,None,None,Normal monitoring,-39,-9,101,3,false,Monitor dispersion and breadth
P0629,Active,Trust,USD,2024-10-22,1474885,96901,1377984,1.0,57.1,23.3,11.7,7.9,VOO:27.5%;BRK.B:20.4%;XLF:24.6%;TSLA:27.5%,US:61.4;EU:17.2;APAC:13.8;EM:4.4;Other:3.2,Value:-0.3;Growth:+0.9;Quality:-0.2;Size:-1.0;Momentum:+0.1;LowVol:+0.5,NoDerivatives,6,25,5.6,hard 12%,165,21.2,Bull,11.5,4.76,3.0,114,82,88,41,false,Sell,Trim extended winner -1%,-1,4,BrokerD,LMT,94,None,None,Normal monitoring,89,-50,172,3,false,Monitor dispersion and breadth
P0630,Cautious,Taxable,USD,2025-03-02,642331,84312,558019,1.0,43.5,38.3,1.5,16.7,BRK.B:33.3%;GLD:33.3%;QQQ:33.3%,US:60.8;EU:17.7;APAC:14.8;EM:4.5;Other:2.2,Value:-0.4;Growth:-0.6;Quality:-0.4;Size:+1.0;Momentum:-0.2;LowVol:+0.7,ESGOnly;NoDerivatives;NoMargin,7,30,4.2,trailing 8%,155,19.5,Bull,16.3,3.55,3.0,115,98,100,36,false,Hedge,Add TLT +1% as duration hedge,32,-37,BrokerB,MKT,95,None,None,Normal monitoring,-12,-48,39,5,false,Tighten stops on momentum names
P0631,Opportunistic,Roth,USD,2025-07-13,373820,31979,341841,1.0,70.0,14.4,8.8,6.8,HYG:35.7%;VNQ:35.7%;AMZN:28.5%,US:75.1;EU:8.3;APAC:9.3;EM:4.8;Other:2.4,Value:-0.8;Growth:+0.2;Quality:+0.1;Size:-0.5;Momentum:-0.1;LowVol:-1.0,,8,30,6.4,trailing 7%,201,21.9,Bull,13.5,4.18,2.8,112,23,55,50,false,Sell,Trim extended winner -1%,-6,-30,BrokerC,LMT,100,None,None,Normal monitoring,69,-20,108,4,false,Tighten stops on momentum names
P0632,Opportunistic,Roth,USD,2025-02-26,1759172,143880,1615292,1.0,74.7,10.4,10.5,4.5,VTI:21.6%;HYG:26.1%;VOO:26.1%;VNQ:26.1%,US:80.2;EU:5.3;APAC:7.4;EM:4.8;Other:2.4,Value:+0.7;Growth:+0.9;Quality:-0.7;Size:+0.8;Momentum:-0.6;LowVol:0.0,,5,25,4.1,trailing 7%,232,33.8,Bear,24.1,3.58,1.9,139,-21,30,78,true,Hedge,Buy index puts 1% notional,6,-37,BrokerD,MKT,94,RegimeShift,TightenStops,Volatility spike and breadth deterioration,39,-34,3,4,false,Increase defensive factor exposure
P0633,Hands-off,IRA,USD,2025-05-26,484756,36218,448538,1.0,61.7,21.7,10.8,5.7,BRK.B:26.7%;VNQ:26.9%;VTI:19.4%;BND:26.9%,US:58.0;EU:17.4;APAC:13.8;EM:8.5;Other:2.4,Value:-0.9;Growth:-0.1;Quality:+0.9;Size:+0.3;Momentum:-0.4;LowVol:+0.7,ESGOnly;MaxPos7%;NoDerivatives,6,30,4.2,trailing 8%,124,19.1,Volatile,24.2,4.55,3.6,118,-15,36,57,false,Buy,Add to core equity +1%,11,-29,BrokerC,MKT,93,None,None,Normal monitoring,90,-6,174,5,false,Within IPS guidelines
P0634,Hands-off,Trust,USD,2025-08-10,891595,50775,840820,1.0,55.4,16.1,18.9,9.6,TLT:17.4%;QQQ:18.5%;AMZN:22.1%;TSLA:19.8%;IEF:22.1%,US:65.1;EU:16.0;APAC:12.3;EM:5.2;Other:1.4,Value:-0.9;Growth:-1.0;Quality:+0.3;Size:-0.6;Momentum:-0.1;LowVol:+0.6,ESGOnly,5,25,4.6,hard 10%,148,12.3,Volatile,31.2,5.08,2.7,121,-28,49,82,true,Hedge,Buy index puts 1% notional,18,-19,BrokerB,MKT,95,VAR>budget,Hedge,Risk above budget threshold,-37,-43,0,2,false,Increase defensive factor exposure
P0635,Active,401k,USD,2025-10-11,532001,49987,482014,1.0,65.7,24.2,2.1,7.9,VOO:13.9%;XLF:22.4%;HYG:16.1%;IEF:23.8%;AAPL:23.8%,US:64.8;EU:9.0;APAC:11.1;EM:11.3;Other:3.7,Value:+0.5;Growth:-0.1;Quality:-0.6;Size:+0.1;Momentum:0.0;LowVol:-0.1,NoDerivatives,8,35,5.9,hard 12%,132,21.2,Bull,12.8,4.05,2.5,78,36,59,46,false,Sell,Trim extended winner -1%,-14,13,BrokerC,MKT,90,None,None,Normal monitoring,-59,15,-53,3,false,Monitor dispersion and breadth
P0636,Systematic,Taxable,USD,2025-02-20,1666252,147714,1518538,1.0,58.3,33.6,2.2,6.0,BRK.B:32.6%;HYG:33.7%;QQQ:33.7%,US:58.7;EU:16.1;APAC:13.0;EM:9.9;Other:2.4,Value:-0.9;Growth:0.0;Quality:+0.3;Size:+0.3;Momentum:-0.2;LowVol:+0.6,NoDerivatives,7,35,4.3,hard 12%,149,22.0,Bull,14.9,3.73,2.9,98,12,50,43,false,Sell,Trim extended winner -1%,17,-20,BrokerA,LMT,98,None,None,Normal monitoring,-50,-30,-10,4,false,Tighten stops on momentum names
P0637,Opportunistic,Roth,USD,2025-01-01,546940,26225,520715,1.08,66.9,20.2,5.7,7.3,AMZN:19.9%;BND:26.7%;TSLA:26.7%;QQQ:26.7%,US:71.1;EU:8.9;APAC:8.3;EM:10.8;Other:0.9,Value:0.0;Growth:-0.3;Quality:-0.1;Size:+0.3;Momentum:+0.7;LowVol:+0.9,MaxPos7%;NoDerivatives,5,30,5.9,trailing 9%,198,34.6,Bull,15.0,4.48,3.4,70,36,64,50,false,Rebalance,Shift +1% to bonds from equity,-13,-23,BrokerD,LMT,89,None,None,Normal monitoring,-13,-60,122,3,false,Monitor dispersion and breadth
P0638,Hands-off,Taxable,USD,2025-10-05,672349,61879,610470,1.0,57.3,16.9,20.2,5.6,BRK.B:33.4%;MSFT:33.4%;TLT:33.3%,US:73.9;EU:11.1;APAC:8.0;EM:4.3;Other:2.9,Value:-0.6;Growth:+0.6;Quality:+0.2;Size:-0.5;Momentum:+0.6;LowVol:-0.9,,6,25,4.1,trailing 10%,147,17.9,Volatile,27.9,4.82,3.9,150,-21,33,70,true,Hedge,Buy index puts 1% notional,27,-3,BrokerC,LMT,87,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,80,-34,167,3,false,Monitor dispersion and breadth
P0639,Active,401k,USD,2025-09-29,2355068,162581,2192487,1.0,58.5,30.9,3.8,6.7,TLT:19.4%;MSFT:15.7%;VNQ:15.0%;BND:17.3%;IEF:21.0%;BRK.B:11.6%,US:57.2;EU:14.9;APAC:13.2;EM:9.8;Other:4.9,Value:+0.6;Growth:-0.2;Quality:+0.1;Size:-0.6;Momentum:0.0;LowVol:-0.3,,8,30,5.7,trailing 9%,203,18.0,Volatile,30.7,4.74,4.5,111,-19,31,72,true,Rebalance,Rebalance back to target bands,27,-16,BrokerC,LMT,89,VAR>budget,Hedge,Risk above budget threshold,-10,-51,130,3,false,Tighten stops on momentum names
P0640,Systematic,Trust,USD,2025-10-28,1951805,103535,1848270,1.0,56.0,21.4,16.2,6.4,VOO:25.5%;TSLA:25.5%;AAPL:23.4%;BRK.B:25.5%,US:74.3;EU:6.3;APAC:9.5;EM:9.5;Other:0.4,Value:+0.4;Growth:-0.2;Quality:-0.1;Size:+0.8;Momentum:-0.2;LowVol:+0.8,,7,25,4.3,trailing 8%,172,20.9,Volatile,23.0,4.58,3.9,128,62,76,53,false,Buy,Add to core equity +1%,-10,-12,BrokerC,LMT,92,None,None,Normal monitoring,-28,-58,72,3,false,Monitor dispersion and breadth
P0641,Cautious,IRA,USD,2024-11-03,622461,65668,556793,1.0,52.8,29.9,0.0,17.3,AMZN:21.9%;VOO:21.9%;GLD:15.7%;IEF:18.4%;BND:21.9%,US:67.4;EU:7.1;APAC:14.0;EM:8.5;Other:3.1,Value:-0.2;Growth:+0.6;Quality:+0.2;Size:-0.7;Momentum:-0.8;LowVol:-0.3,MaxPos5%;NoMargin,5,30,5.2,trailing 8%,138,13.1,Bull,17.5,3.6,3.2,98,74,100,52,false,Buy,Add to core equity +1%,1,-13,BrokerC,MKT,99,None,None,Normal monitoring,-30,-17,87,5,false,Monitor dispersion and breadth
P0642,Cautious,401k,USD,2024-08-19,817810,96973,720837,1.0,38.6,40.8,7.9,12.8,MUB:10.8%;AAPL:19.4%;BRK.B:23.3%;TSLA:23.3%;GLD:23.3%,US:73.4;EU:8.6;APAC:6.9;EM:8.6;Other:2.5,Value:+0.1;Growth:-0.8;Quality:+0.8;Size:+0.4;Momentum:-0.7;LowVol:+0.5,MaxPos6%;NoMargin,10,30,4.5,trailing 8%,167,17.2,Bull,12.7,3.73,3.3,70,7,61,29,false,NoAction,Within bands; monitor,35,4,BrokerA,MKT,0,None,None,Normal monitoring,-37,-2,95,3,false,Within IPS guidelines
P0643,Hands-off,Trust,USD,2024-09-28,257147,14313,242834,1.0,70.7,16.2,4.4,8.7,MSFT:12.4%;TSLA:23.1%;TLT:23.1%;BRK.B:18.2%;QQQ:23.1%,US:78.2;EU:6.5;APAC:9.3;EM:4.2;Other:1.8,Value:+0.9;Growth:-0.9;Quality:+0.9;Size:+0.1;Momentum:+0.1;LowVol:-0.5,NoDerivatives,6,30,5.6,hard 10%,142,12.3,Volatile,22.3,3.53,2.2,130,74,91,69,false,Sell,Trim extended winner -1%,32,-11,BrokerB,VWAP,86,None,None,Normal monitoring,-38,-50,29,5,false,Within IPS guidelines
P0644,Opportunistic,Taxable,USD,2025-09-14,1248314,91775,1156539,1.0,73.4,11.5,10.0,5.1,BND:16.4%;MUB:14.4%;VOO:20.9%;HYG:16.3%;VNQ:12.8%;XLF:19.1%,US:71.5;EU:16.8;APAC:5.5;EM:5.6;Other:0.5,Value:+0.3;Growth:-0.2;Quality:-0.4;Size:-1.0;Momentum:+0.7;LowVol:-0.6,NoDerivatives,6,35,6.5,trailing 7%,256,31.7,Bull,15.6,3.96,2.2,70,117,100,56,false,Sell,Trim extended winner -1%,3,1,BrokerA,LMT,98,None,None,Normal monitoring,-41,-2,1,5,false,Tax-aware sells next window
P0645,Systematic,Taxable,USD,2024-10-11,1625908,158177,1467731,1.0,55.9,24.9,13.3,5.9,TLT:33.3%;MSFT:33.3%;TSLA:33.3%,US:70.1;EU:10.8;APAC:10.6;EM:5.5;Other:3.1,Value:-0.4;Growth:+1.0;Quality:-0.4;Size:-0.3;Momentum:-0.3;LowVol:-0.1,,10,30,5.4,trailing 9%,226,21.1,Bull,11.7,3.6,2.1,70,31,50,41,false,Rebalance,Shift +1% to bonds from equity,25,-9,BrokerB,LMT,90,None,None,Normal monitoring,-10,-7,-44,4,false,Increase defensive factor exposure
P0646,Cautious,IRA,USD,2025-02-13,690984,94293,596691,1.0,48.7,39.7,0.0,11.6,VNQ:22.8%;GLD:22.8%;BND:22.8%;VTI:18.8%;XLF:12.9%,US:71.6;EU:8.2;APAC:11.7;EM:6.2;Other:2.4,Value:-1.0;Growth:+0.6;Quality:+0.2;Size:-0.6;Momentum:+0.7;LowVol:0.0,NoMargin,6,30,5.6,trailing 8%,112,17.9,Bull,15.4,4.67,2.9,116,43,69,37,false,Buy,Add to core equity +1%,-2,-8,BrokerA,LMT,98,None,None,Normal monitoring,52,-34,162,5,false,Within IPS guidelines
P0647,Systematic,401k,USD,2025-05-18,1165807,50048,1115759,1.0,68.9,21.4,0.5,9.3,TLT:24.2%;VTI:25.3%;AAPL:25.3%;HYG:25.3%,US:64.1;EU:12.7;APAC:12.1;EM:8.3;Other:2.7,Value:-0.9;Growth:0.0;Quality:-1.0;Size:+0.2;Momentum:-0.4;LowVol:+0.9,,10,30,5.7,trailing 8%,138,19.0,Volatile,20.4,4.96,2.5,129,34,81,59,false,Rebalance,Shift +1% to bonds from equity,20,13,BrokerA,MKT,98,None,None,Normal monitoring,-39,-26,61,5,false,Increase defensive factor exposure
P0648,Hands-off,Trust,USD,2025-01-18,460938,41582,419356,1.0,60.9,22.4,10.1,6.6,AAPL:33.3%;VTI:33.3%;HYG:33.3%,US:70.5;EU:17.1;APAC:6.7;EM:4.2;Other:1.5,Value:+0.2;Growth:+0.5;Quality:+1.0;Size:+0.2;Momentum:+0.7;LowVol:+0.7,MaxPos7%;NoDerivatives,7,25,4.4,trailing 8%,167,14.7,Bull,12.8,3.69,3.0,110,100,100,44,true,Hedge,Buy index puts 1% notional,-4,-6,BrokerA,LMT,86,Drift>tolerance,Pause,Allocation drift beyond policy bands,49,-42,18,4,false,Tax-aware sells next window
P0649,Systematic,401k,USD,2025-08-13,1764831,146256,1618575,1.0,67.7,20.3,5.0,7.0,HYG:33.3%;VOO:33.3%;BRK.B:33.3%,US:70.2;EU:6.7;APAC:13.7;EM:7.4;Other:2.0,Value:+0.1;Growth:-1.0;Quality:-0.4;Size:-0.7;Momentum:+0.2;LowVol:-0.0,NoDerivatives,7,35,5.2,trailing 8%,214,16.9,Bull,16.2,3.66,3.5,71,31,62,46,false,Hedge,Add TLT +1% as duration hedge,2,-22,BrokerD,LMT,100,None,None,Normal monitoring,-11,-6,116,4,false,Increase defensive factor exposure
P0650,Systematic,Taxable,USD,2025-06-16,1943029,95353,1847676,1.0,66.0,26.7,0.0,7.4,XLF:19.9%;MUB:8.6%;BND:23.8%;QQQ:23.8%;AAPL:23.8%,US:76.5;EU:10.5;APAC:9.5;EM:3.1;Other:0.5,Value:+0.1;Growth:-0.7;Quality:+0.3;Size:+0.6;Momentum:-1.0;LowVol:+0.5,,7,30,4.5,trailing 8%,219,19.2,Bull,13.3,3.7,2.9,84,54,62,46,true,Rebalance,Rebalance back to target bands,-8,-12,BrokerA,VWAP,92,RegimeShift,Hedge,Volatility spike and breadth deterioration,-35,-30,104,5,true,Monitor dispersion and breadth
P0651,Hands-off,IRA,USD,2025-05-29,539509,46996,492513,1.0,64.8,17.4,12.2,5.5,TLT:11.9%;AMZN:18.3%;HYG:20.8%;BND:24.5%;QQQ:24.5%,US:58.4;EU:14.8;APAC:11.4;EM:11.4;Other:4.0,Value:+0.4;Growth:+0.4;Quality:-0.1;Size:-0.2;Momentum:+0.9;LowVol:+0.5,ESGOnly;MaxPos6%;NoDerivatives,7,30,4.1,trailing 8%,108,15.9,Volatile,25.4,5.35,2.1,161,51,67,79,true,Reduce,"Cut high-beta by 2-3%, add cash",-13,-30,BrokerC,MKT,94,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,109,6,202,3,false,Within IPS guidelines
P0652,Opportunistic,401k,USD,2024-10-22,1672791,130819,1541972,1.0,67.6,12.6,12.5,7.3,BRK.B:17.1%;BND:21.6%;AAPL:21.6%;AMZN:9.2%;VTI:12.4%;MSFT:18.0%,US:66.2;EU:16.4;APAC:11.6;EM:5.4;Other:0.4,Value:+0.9;Growth:+0.1;Quality:-0.9;Size:-0.5;Momentum:+0.4;LowVol:-0.0,MaxPos7%;NoDerivatives,10,35,4.9,hard 12%,234,34.0,Volatile,27.3,3.61,2.7,146,73,87,82,true,Reduce,"Cut high-beta by 2-3%, add cash",13,-15,BrokerD,VWAP,100,Drift>tolerance,Reduce,Allocation drift beyond policy bands,118,-2,256,4,false,Within IPS guidelines
P0653,Active,Roth,USD,2024-09-22,636721,61869,574852,1.0,69.9,20.0,2.3,7.9,QQQ:22.7%;BND:22.7%;HYG:21.4%;BRK.B:11.9%;VOO:7.7%;XLF:13.6%,US:60.1;EU:20.2;APAC:15.8;EM:3.3;Other:0.7,Value:+0.8;Growth:-0.4;Quality:-1.0;Size:-0.8;Momentum:-0.3;LowVol:+0.5,MaxPos8%,8,30,5.9,hard 12%,194,26.5,Sideways,20.7,3.79,2.6,119,57,67,53,false,NoAction,Within bands; monitor,28,2,BrokerB,MKT,0,None,None,Normal monitoring,118,14,224,4,false,Monitor dispersion and breadth
P0654,Active,IRA,USD,2024-12-18,1783143,130628,1652515,1.0,63.8,30.6,0.0,5.5,VTI:33.3%;HYG:33.3%;MUB:33.3%,US:69.4;EU:9.9;APAC:5.2;EM:11.2;Other:4.3,Value:-0.3;Growth:+0.6;Quality:+0.3;Size:-0.4;Momentum:-0.2;LowVol:+0.8,MaxPos7%;NoDerivatives,10,30,4.0,hard 12%,170,17.8,Bull,11.4,3.62,2.8,82,97,94,51,false,Buy,Add to core equity +1%,21,-10,BrokerA,LMT,85,None,None,Normal monitoring,30,-32,146,3,false,Increase defensive factor exposure
P0655,Cautious,IRA,USD,2024-09-12,328550,40584,287966,1.0,50.3,33.3,0.0,16.5,AMZN:22.9%;HYG:22.9%;QQQ:22.9%;MUB:22.9%;VNQ:8.5%,US:67.2;EU:16.1;APAC:9.1;EM:3.4;Other:4.2,Value:-1.0;Growth:-0.7;Quality:-0.7;Size:-0.7;Momentum:-0.5;LowVol:+1.0,ESGOnly;NoMargin,6,25,4.0,trailing 10%,139,19.9,Volatile,32.0,4.01,2.8,114,20,61,81,true,Hedge,Buy index puts 1% notional,31,-7,BrokerB,VWAP,91,VAR>budget,Reduce,Risk above budget threshold,84,11,220,3,false,Tax-aware sells next window
P0656,Systematic,Trust,USD,2025-09-25,1520797,85103,1435694,1.0,66.1,25.6,0.0,8.3,BND:19.2%;AMZN:19.3%;VTI:20.9%;XLF:17.8%;HYG:8.2%;TSLA:14.6%,US:64.0;EU:20.8;APAC:7.6;EM:4.3;Other:3.3,Value:-0.1;Growth:-0.6;Quality:-0.7;Size:-0.0;Momentum:+0.8;LowVol:+0.2,MaxPos8%,5,35,4.5,trailing 9%,154,26.1,Bull,16.2,4.0,2.4,96,118,97,52,true,Hedge,Buy index puts 1% notional,-3,6,BrokerC,MKT,89,Drift>tolerance,Reduce,Allocation drift beyond policy bands,62,-49,157,3,false,Tighten stops on momentum names
P0657,Cautious,IRA,USD,2024-11-21,170491,17183,153308,1.0,36.5,32.9,18.9,11.7,HYG:33.1%;BND:33.4%;MUB:33.4%,US:61.4;EU:9.7;APAC:15.9;EM:11.7;Other:1.2,Value:+0.6;Growth:-0.5;Quality:-0.7;Size:+0.2;Momentum:+0.6;LowVol:-0.7,MaxPos8%;NoMargin,5,25,3.7,trailing 10%,145,15.3,Volatile,20.1,4.03,2.5,132,-56,28,40,false,Sell,Trim extended winner -1%,-15,-16,BrokerA,LMT,86,None,None,Normal monitoring,83,-1,135,5,false,Tighten stops on momentum names
P0658,Cautious,Trust,USD,2025-05-19,761603,111483,650120,1.0,44.2,41.0,0.0,14.7,XLF:25.0%;TLT:25.0%;TSLA:25.0%;VTI:25.0%,US:56.8;EU:18.6;APAC:11.3;EM:9.4;Other:3.9,Value:-0.2;Growth:-0.8;Quality:-0.2;Size:-0.9;Momentum:-0.2;LowVol:+0.5,MaxPos5%;NoMargin,7,35,5.1,hard 10%,159,14.7,Bull,12.2,3.64,2.9,93,23,53,25,false,Rebalance,Shift +1% to bonds from equity,20,-27,BrokerD,LMT,88,None,None,Normal monitoring,9,-5,52,4,false,Within IPS guidelines
P0659,Opportunistic,Roth,USD,2024-08-05,782446,44947,737499,1.0,65.6,21.8,6.2,6.5,HYG:25.7%;AAPL:22.9%;QQQ:25.7%;VOO:25.7%,US:68.7;EU:15.7;APAC:8.7;EM:3.9;Other:3.0,Value:+0.8;Growth:-0.1;Quality:-0.2;Size:+0.9;Momentum:-0.3;LowVol:+0.5,,5,30,5.0,trailing 7%,247,22.8,Bear,31.2,3.77,1.1,211,-7,31,83,true,Reduce,"Cut high-beta by 2-3%, add cash",34,11,BrokerD,MKT,97,VAR>budget,Hedge,Risk above budget threshold,-5,-7,46,4,false,Monitor dispersion and breadth
P0660,Opportunistic,Roth,USD,2025-07-15,891805,41205,850600,1.23,66.1,10.5,16.8,6.6,TLT:15.3%;IEF:24.8%;AMZN:11.7%;HYG:23.4%;BND:24.8%,US:66.7;EU:12.7;APAC:12.5;EM:3.9;Other:4.2,Value:+0.7;Growth:-0.5;Quality:+0.2;Size:+0.5;Momentum:-0.1;LowVol:+0.1,,10,30,6.4,trailing 9%,275,21.9,Volatile,20.9,4.02,3.3,147,-12,56,68,false,Sell,Trim extended winner -1%,24,11,BrokerA,LMT,99,None,None,Normal monitoring,31,12,158,5,false,Tax-aware sells next window
P0661,Cautious,IRA,USD,2025-08-30,447953,57502,390451,1.0,44.1,33.9,4.7,17.3,TLT:22.3%;MSFT:19.1%;VNQ:23.1%;AAPL:13.3%;IEF:22.2%,US:73.5;EU:6.3;APAC:10.7;EM:3.8;Other:5.7,Value:+0.7;Growth:+0.8;Quality:+0.8;Size:-0.3;Momentum:-0.5;LowVol:-0.7,MaxPos8%;NoMargin,6,30,4.1,trailing 8%,137,15.8,Bull,11.0,3.99,2.8,82,34,74,28,false,NoAction,Within bands; monitor,9,-16,BrokerC,VWAP,95,None,None,Normal monitoring,-50,17,55,5,false,Monitor dispersion and breadth
P0662,Hands-off,Trust,USD,2025-04-14,578487,27292,551195,1.0,56.0,21.8,12.6,9.6,VNQ:7.4%;IEF:11.8%;GLD:23.2%;AAPL:22.0%;VTI:23.2%;XLF:12.3%,US:70.6;EU:14.3;APAC:6.1;EM:6.0;Other:3.0,Value:-0.3;Growth:+0.9;Quality:-0.6;Size:-0.8;Momentum:-0.8;LowVol:+0.9,ESGOnly;NoDerivatives,5,25,4.3,trailing 8%,119,15.8,Bull,14.0,4.54,3.1,77,18,49,31,false,Rebalance,Shift +1% to bonds from equity,19,-7,BrokerD,LMT,93,None,None,Normal monitoring,-13,0,111,5,false,Within IPS guidelines
P0663,Cautious,Roth,USD,2025-10-01,799548,80283,719265,1.0,37.9,43.9,4.3,13.9,VNQ:24.2%;BRK.B:24.2%;AAPL:24.2%;QQQ:12.0%;BND:15.4%,US:59.6;EU:16.7;APAC:11.4;EM:10.4;Other:2.0,Value:+0.8;Growth:+0.3;Quality:-0.4;Size:-1.0;Momentum:-0.2;LowVol:-0.8,ESGOnly;NoMargin,10,25,3.7,trailing 8%,112,12.7,Bull,12.8,3.89,3.3,117,43,82,35,false,Hedge,Add TLT +1% as duration hedge,1,15,BrokerC,LMT,94,None,None,Normal monitoring,-41,-17,31,4,false,Monitor dispersion and breadth
P0664,Hands-off,401k,USD,2024-11-18,728560,49800,678760,1.0,71.5,18.8,0.0,9.7,AAPL:22.4%;HYG:25.9%;TLT:25.9%;BRK.B:25.9%,US:55.4;EU:18.9;APAC:10.9;EM:11.0;Other:3.8,Value:-1.0;Growth:-0.8;Quality:-0.6;Size:+0.4;Momentum:-0.8;LowVol:-0.3,ESGOnly,10,25,4.9,hard 10%,149,14.0,Bear,31.7,4.31,1.2,165,-19,51,76,true,Hedge,Buy index puts 1% notional,34,2,BrokerA,LMT,93,Drift>tolerance,Pause,Allocation drift beyond policy bands,22,-10,-18,3,false,Increase defensive factor exposure
P0665,Opportunistic,Trust,USD,2025-11-02,595362,27584,567778,1.1,66.8,12.6,15.8,4.8,TSLA:14.9%;BND:23.4%;VTI:23.4%;AAPL:23.4%;TLT:14.8%,US:68.7;EU:13.4;APAC:9.2;EM:7.6;Other:1.1,Value:+0.5;Growth:+0.3;Quality:+0.2;Size:+0.3;Momentum:-0.7;LowVol:+0.2,,5,30,6.7,trailing 9%,205,30.3,Volatile,25.4,4.08,3.3,165,67,72,60,false,Buy,Add to core equity +1%,18,-14,BrokerB,MKT,85,None,None,Normal monitoring,-41,-5,32,3,false,Increase defensive factor exposure
P0666,Active,401k,USD,2025-07-31,2418213,279367,2138846,1.0,54.8,25.9,11.4,7.9,VOO:33.3%;QQQ:33.3%;AMZN:33.3%,US:63.2;EU:16.8;APAC:7.5;EM:8.7;Other:3.8,Value:-0.1;Growth:+0.6;Quality:+0.1;Size:+0.7;Momentum:+0.3;LowVol:-0.7,MaxPos7%,10,25,4.2,hard 12%,183,23.8,Bull,12.1,4.89,2.3,86,70,84,30,false,Rebalance,Shift +1% to bonds from equity,1,15,BrokerB,MKT,90,None,None,Normal monitoring,65,1,155,5,false,Increase defensive factor exposure
P0667,Active,Roth,USD,2025-01-31,889023,97712,791311,1.0,52.6,24.1,17.6,5.7,TSLA:28.6%;VOO:20.5%;HYG:28.6%;AAPL:22.3%,US:70.1;EU:9.2;APAC:9.7;EM:4.7;Other:6.4,Value:-0.0;Growth:+0.5;Quality:-0.5;Size:-0.6;Momentum:-0.3;LowVol:-0.8,NoDerivatives,5,25,5.9,trailing 8%,174,27.9,Bull,15.4,4.6,3.4,94,6,61,38,true,Hedge,Buy index puts 1% notional,-4,-31,BrokerD,VWAP,87,Drift>tolerance,Reduce,Allocation drift beyond policy bands,6,-58,83,3,true,Increase defensive factor exposure
P0668,Cautious,IRA,USD,2025-02-25,620593,71937,548656,1.0,35.1,34.5,12.4,18.0,AMZN:21.7%;MSFT:20.1%;GLD:6.1%;TLT:21.7%;VNQ:12.1%;AAPL:18.3%,US:60.5;EU:8.6;APAC:13.5;EM:13.6;Other:3.8,Value:+0.2;Growth:+0.1;Quality:-0.9;Size:+0.5;Momentum:-0.1;LowVol:-0.9,ESGOnly;MaxPos5%;NoMargin,10,25,3.4,hard 10%,105,13.0,Volatile,30.3,4.71,2.4,150,-49,18,67,false,Rebalance,Shift +1% to bonds from equity,34,2,BrokerA,VWAP,96,None,None,Normal monitoring,-41,10,95,3,false,Within IPS guidelines
P0669,Hands-off,Roth,USD,2025-03-22,849717,74637,775080,1.0,65.1,27.6,0.0,7.2,TLT:29.2%;HYG:12.3%;VOO:29.2%;XLF:29.2%,US:67.5;EU:10.9;APAC:9.2;EM:11.7;Other:0.6,Value:-0.3;Growth:+0.8;Quality:-0.6;Size:+0.5;Momentum:-0.5;LowVol:-0.5,ESGOnly,5,30,3.3,hard 10%,143,17.6,Bull,12.7,4.28,2.2,108,9,46,38,false,Buy,Add to core equity +1%,10,-4,BrokerB,VWAP,85,None,None,Normal monitoring,112,-60,183,3,false,Increase defensive factor exposure
P0670,Active,Roth,USD,2025-06-16,1208541,128996,1079545,1.0,55.7,18.4,17.7,8.2,QQQ:23.4%;AMZN:13.4%;GLD:16.3%;TSLA:23.5%;VOO:23.5%,US:63.9;EU:10.5;APAC:15.5;EM:6.7;Other:3.4,Value:-0.7;Growth:+0.7;Quality:+0.4;Size:-0.6;Momentum:+0.5;LowVol:-0.7,NoDerivatives,7,30,5.2,trailing 8%,147,25.0,Volatile,29.8,4.24,2.2,174,34,54,69,false,NoAction,Within bands; monitor,22,14,BrokerB,MKT,0,None,None,Normal monitoring,103,16,113,3,false,Increase defensive factor exposure
P0671,Active,401k,USD,2025-06-21,1186274,119137,1067137,1.0,57.8,24.4,9.0,8.8,QQQ:19.3%;XLF:9.9%;VNQ:21.2%;MUB:21.2%;VTI:17.7%;IEF:10.8%,US:68.1;EU:6.5;APAC:11.7;EM:10.0;Other:3.6,Value:-0.6;Growth:+0.6;Quality:+0.8;Size:+0.3;Momentum:+0.2;LowVol:-0.5,NoDerivatives,10,35,5.7,trailing 9%,186,23.9,Volatile,25.8,3.53,3.3,162,47,82,65,false,Buy,Add to core equity +1%,6,-23,BrokerB,VWAP,89,None,None,Normal monitoring,112,-55,93,4,false,Monitor dispersion and breadth
P0672,Cautious,Roth,USD,2025-10-30,690047,95011,595036,1.0,44.7,31.2,12.9,11.1,MSFT:33.3%;TLT:33.3%;GLD:33.3%,US:68.1;EU:8.9;APAC:15.4;EM:6.4;Other:1.1,Value:+0.4;Growth:-0.1;Quality:-0.7;Size:+0.3;Momentum:-0.3;LowVol:-0.3,NoMargin,8,30,4.8,trailing 8%,126,12.2,Volatile,29.8,4.63,2.0,180,78,85,57,false,Buy,Add to core equity +1%,3,-18,BrokerD,VWAP,87,None,None,Normal monitoring,-54,-14,68,4,false,Increase defensive factor exposure
P0673,Systematic,Taxable,USD,2025-06-04,1301979,86786,1215193,1.0,60.5,30.9,0.0,8.5,BND:22.1%;XLF:22.6%;AAPL:22.6%;HYG:22.6%;MUB:10.1%,US:73.1;EU:6.3;APAC:12.2;EM:5.6;Other:2.8,Value:-0.7;Growth:+0.2;Quality:-0.5;Size:-0.8;Momentum:+0.2;LowVol:+0.5,,8,30,5.2,hard 12%,165,27.3,Bear,33.3,3.83,1.2,196,-63,31,80,true,Hedge,Buy index puts 1% notional,9,-30,BrokerC,MKT,86,Drift>tolerance,Reduce,Allocation drift beyond policy bands,43,-51,5,2,true,Tighten stops on momentum names
P0674,Hands-off,IRA,USD,2025-10-25,777071,48434,728637,1.0,57.4,28.7,4.5,9.5,BND:25.0%;AMZN:25.0%;VOO:25.0%;AAPL:25.0%,US:64.6;EU:13.0;APAC:6.9;EM:11.8;Other:3.7,Value:+0.8;Growth:+0.3;Quality:+0.8;Size:+0.7;Momentum:-0.9;LowVol:-0.4,ESGOnly,7,25,3.2,trailing 8%,134,18.7,Bear,33.0,3.74,1.4,179,-29,40,81,true,Hedge,Buy index puts 1% notional,27,-17,BrokerD,LMT,89,VAR>budget,Hedge,Risk above budget threshold,-48,-4,35,2,false,Increase defensive factor exposure
P0675,Systematic,Taxable,USD,2025-06-02,1134770,79456,1055314,1.0,65.5,27.8,0.0,6.7,VNQ:33.7%;QQQ:32.5%;AAPL:33.7%,US:65.4;EU:11.2;APAC:13.2;EM:7.0;Other:3.2,Value:-0.4;Growth:-0.9;Quality:+0.9;Size:-0.7;Momentum:-0.5;LowVol:-0.8,,7,30,5.3,trailing 9%,153,19.1,Bull,11.1,3.55,2.5,119,19,47,33,false,Rebalance,Shift +1% to bonds from equity,2,-12,BrokerD,LMT,98,None,None,Normal monitoring,116,6,251,5,false,Increase defensive factor exposure
P0676,Active,IRA,USD,2025-06-13,2287044,274344,2012700,1.0,66.6,23.8,0.0,9.6,VTI:22.6%;TSLA:22.6%;AAPL:13.6%;IEF:10.5%;XLF:12.9%;GLD:17.8%,US:60.6;EU:12.1;APAC:16.4;EM:8.6;Other:2.2,Value:+0.5;Growth:+0.4;Quality:-0.6;Size:-0.3;Momentum:+0.1;LowVol:0.0,NoDerivatives,5,25,4.0,trailing 9%,180,22.5,Bull,16.4,3.55,2.1,107,94,84,62,false,Hedge,Add TLT +1% as duration hedge,14,-11,BrokerA,MKT,98,None,None,Normal monitoring,9,1,90,4,false,Within IPS guidelines
P0677,Hands-off,Taxable,USD,2024-08-06,407044,30116,376928,1.0,72.8,21.5,0.0,5.7,AAPL:33.5%;QQQ:33.1%;VNQ:33.5%,US:63.4;EU:13.9;APAC:8.5;EM:10.1;Other:4.1,Value:-0.1;Growth:+0.3;Quality:-0.6;Size:+0.1;Momentum:-0.8;LowVol:-0.1,ESGOnly,8,30,3.8,trailing 10%,119,12.3,Volatile,26.3,4.77,4.4,155,61,89,72,true,Hedge,Buy index puts 1% notional,-11,-15,BrokerC,LMT,99,RegimeShift,Pause,Volatility spike and breadth deterioration,-22,-11,82,5,true,Increase defensive factor exposure
P0678,Systematic,Trust,USD,2025-10-06,404519,23257,381262,1.0,56.1,31.8,4.4,7.7,MSFT:16.1%;AMZN:23.5%;XLF:23.5%;GLD:21.6%;AAPL:15.2%,US:65.2;EU:17.8;APAC:5.8;EM:9.2;Other:2.0,Value:+0.2;Growth:-0.2;Quality:+0.5;Size:+0.4;Momentum:-0.3;LowVol:-0.4,,6,25,4.7,trailing 9%,161,18.5,Volatile,21.2,5.0,3.4,131,-50,36,60,false,Rebalance,Shift +1% to bonds from equity,-10,7,BrokerD,MKT,97,None,None,Normal monitoring,-29,-58,102,4,false,Monitor dispersion and breadth
P0679,Systematic,Roth,USD,2025-03-02,1423722,85990,1337732,1.0,59.3,22.5,8.8,9.4,BRK.B:20.4%;TLT:22.1%;XLF:14.2%;VOO:21.8%;MSFT:21.5%,US:68.8;EU:8.8;APAC:7.3;EM:10.8;Other:4.3,Value:+0.4;Growth:+1.0;Quality:+0.4;Size:-0.4;Momentum:-0.1;LowVol:+0.8,MaxPos7%;NoDerivatives,10,30,5.2,trailing 9%,178,25.1,Bear,23.2,3.59,1.2,147,-22,47,67,false,Buy,Add to core equity +1%,26,5,BrokerB,VWAP,98,None,None,Normal monitoring,34,-48,74,5,false,Within IPS guidelines
P0680,Opportunistic,Trust,USD,2025-01-22,949565,59744,889821,1.17,69.4,12.3,12.7,5.5,BND:10.0%;GLD:22.6%;HYG:22.6%;AAPL:17.7%;AMZN:20.1%;QQQ:7.0%,US:65.8;EU:11.8;APAC:10.7;EM:8.8;Other:2.8,Value:-0.9;Growth:+1.0;Quality:-0.3;Size:-0.2;Momentum:-0.8;LowVol:+0.5,,8,25,5.6,trailing 9%,265,24.8,Bull,15.2,3.61,2.3,111,17,71,44,false,Buy,Add to core equity +1%,6,-36,BrokerB,MKT,98,None,None,Normal monitoring,62,13,166,4,false,Monitor dispersion and breadth
P0681,Opportunistic,IRA,USD,2024-12-20,455762,26196,429566,1.24,70.4,21.7,1.1,6.8,TLT:33.3%;VNQ:33.3%;VTI:33.3%,US:70.1;EU:7.4;APAC:9.9;EM:8.7;Other:3.9,Value:+0.9;Growth:+0.3;Quality:+0.8;Size:-0.4;Momentum:+0.8;LowVol:+0.3,,5,35,6.0,hard 12%,262,26.0,Volatile,29.7,5.39,2.1,177,10,59,85,true,Rebalance,Rebalance back to target bands,-1,-34,BrokerD,LMT,94,VAR>budget,Pause,Risk above budget threshold,60,19,58,2,false,Increase defensive factor exposure
P0682,Hands-off,IRA,USD,2025-05-23,503573,32367,471206,1.0,68.9,19.1,4.8,7.2,XLF:21.9%;MUB:21.9%;HYG:9.3%;TSLA:17.4%;MSFT:7.6%;VNQ:21.9%,US:64.0;EU:9.8;APAC:16.1;EM:5.7;Other:4.4,Value:-0.5;Growth:+0.2;Quality:-0.6;Size:+0.8;Momentum:-0.4;LowVol:-0.1,ESGOnly;MaxPos5%;NoDerivatives,10,30,3.5,trailing 8%,144,18.2,Bull,15.5,4.85,2.4,100,107,100,62,true,Reduce,"Cut high-beta by 2-3%, add cash",-7,1,BrokerD,LMT,92,RegimeShift,Reduce,Volatility spike and breadth deterioration,35,-37,56,5,false,Increase defensive factor exposure
P0683,Active,Roth,USD,2024-07-11,2037162,212243,1824919,1.0,54.5,20.2,19.2,6.1,VOO:33.3%;XLF:33.3%;VTI:33.3%,US:67.6;EU:11.2;APAC:9.4;EM:7.3;Other:4.6,Value:+0.2;Growth:-0.7;Quality:+0.6;Size:+0.7;Momentum:-0.4;LowVol:+0.8,,8,30,5.5,trailing 9%,161,23.8,Bull,12.4,4.2,3.5,83,97,97,27,false,Rebalance,Shift +1% to bonds from equity,3,-8,BrokerA,MKT,93,None,None,Normal monitoring,31,-3,123,4,false,Monitor dispersion and breadth
P0684,Systematic,Roth,USD,2025-03-08,515662,28751,486911,1.0,55.1,23.2,16.1,5.7,TSLA:21.1%;VNQ:18.1%;HYG:18.7%;IEF:21.1%;MSFT:21.1%,US:66.2;EU:11.3;APAC:11.6;EM:7.4;Other:3.5,Value:-0.5;Growth:-0.9;Quality:-0.3;Size:+0.2;Momentum:-0.0;LowVol:+0.3,,5,35,4.1,hard 12%,138,21.1,Bear,32.8,4.39,2.8,143,-21,33,71,true,Hedge,Buy index puts 1% notional,17,-37,BrokerD,LMT,90,Drift>tolerance,Reduce,Allocation drift beyond policy bands,0,-15,118,5,false,Tighten stops on momentum names
P0685,Cautious,Taxable,USD,2025-05-23,796197,104000,692197,1.0,48.5,35.2,5.3,10.9,XLF:20.8%;MSFT:17.8%;QQQ:16.2%;TSLA:19.0%;VTI:14.2%;BRK.B:12.1%,US:70.4;EU:11.6;APAC:7.4;EM:7.7;Other:2.9,Value:-0.1;Growth:+0.3;Quality:-0.6;Size:+0.6;Momentum:-0.7;LowVol:+0.7,NoDerivatives;NoMargin,10,25,3.1,trailing 10%,136,13.4,Volatile,24.4,4.27,3.1,133,-59,11,66,false,Rebalance,Shift +1% to bonds from equity,29,2,BrokerB,VWAP,90,None,None,Normal monitoring,2,-42,126,3,false,Monitor dispersion and breadth
P0686,Hands-off,401k,USD,2025-08-01,780313,69040,711273,1.0,65.9,24.9,2.4,6.9,TSLA:26.4%;VNQ:20.7%;MUB:26.4%;QQQ:26.4%,US:62.7;EU:16.2;APAC:8.7;EM:10.0;Other:2.4,Value:-0.3;Growth:-0.1;Quality:-0.4;Size:-0.9;Momentum:-0.4;LowVol:-0.7,MaxPos6%,6,25,5.7,trailing 8%,111,12.7,Bull,15.7,3.54,2.3,117,25,51,47,false,Hedge,Add TLT +1% as duration hedge,-12,-25,BrokerB,MKT,94,None,None,Normal monitoring,-25,-33,39,3,false,Tax-aware sells next window
P0687,Systematic,Taxable,USD,2025-02-21,422855,30388,392467,1.0,59.7,33.1,0.0,7.2,IEF:15.9%;GLD:22.2%;MSFT:22.2%;BND:22.2%;TSLA:17.6%,US:65.2;EU:5.7;APAC:16.4;EM:10.0;Other:2.8,Value:-0.1;Growth:-0.3;Quality:+0.4;Size:-0.1;Momentum:+0.6;LowVol:+0.5,NoDerivatives,5,35,5.8,trailing 8%,165,21.0,Sideways,21.1,4.9,2.0,114,-9,36,59,false,Sell,Trim extended winner -1%,31,-24,BrokerB,MKT,91,None,None,Normal monitoring,28,-55,115,5,false,Monitor dispersion and breadth
P0688,Hands-off,401k,USD,2025-10-15,415604,34888,380716,1.0,70.9,23.4,0.0,5.8,BND:11.1%;BRK.B:18.6%;VNQ:22.5%;TSLA:22.5%;QQQ:12.5%;AMZN:12.9%,US:69.6;EU:16.2;APAC:7.6;EM:4.7;Other:2.0,Value:+0.5;Growth:-0.2;Quality:+0.7;Size:-0.6;Momentum:-1.0;LowVol:-0.1,MaxPos8%;NoDerivatives,7,25,4.6,hard 10%,95,18.6,Bull,14.7,3.65,2.0,78,66,84,58,true,Hedge,Buy index puts 1% notional,18,10,BrokerB,MKT,87,Drift>tolerance,Hedge,Allocation drift beyond policy bands,37,-31,10,2,false,Monitor dispersion and breadth
P0689,Cautious,Trust,USD,2025-07-13,252087,33398,218689,1.0,38.3,40.7,3.3,17.7,TLT:22.5%;AMZN:17.4%;BND:16.2%;XLF:21.4%;VOO:22.5%,US:57.7;EU:20.2;APAC:14.9;EM:3.7;Other:3.5,Value:-0.9;Growth:+0.1;Quality:+0.2;Size:+0.3;Momentum:+0.1;LowVol:-0.4,MaxPos6%;NoDerivatives;NoMargin,10,25,3.0,hard 10%,106,19.6,Bull,15.0,3.91,2.4,110,100,97,24,false,Buy,Add to core equity +1%,1,14,BrokerA,LMT,98,None,None,Normal monitoring,97,16,85,5,false,Tax-aware sells next window
P0690,Active,IRA,USD,2025-05-12,1536120,162011,1374109,1.0,54.4,29.5,9.2,6.9,TLT:15.1%;TSLA:18.5%;HYG:20.2%;MUB:18.5%;QQQ:10.6%;BRK.B:17.2%,US:66.8;EU:10.5;APAC:12.5;EM:4.2;Other:5.9,Value:+0.6;Growth:-0.6;Quality:+0.2;Size:-0.7;Momentum:+0.5;LowVol:+0.7,,6,30,5.6,trailing 8%,157,16.7,Sideways,16.3,3.54,2.5,110,-2,49,51,true,Reduce,"Cut high-beta by 2-3%, add cash",27,-6,BrokerB,MKT,100,RegimeShift,Hedge,Volatility spike and breadth deterioration,41,-60,177,2,false,Tax-aware sells next window
P0691,Systematic,401k,USD,2025-02-26,787169,66166,721003,1.0,57.3,29.1,6.9,6.8,VNQ:17.4%;GLD:21.1%;MUB:21.1%;HYG:21.1%;VTI:19.4%,US:66.7;EU:16.6;APAC:9.1;EM:6.8;Other:0.7,Value:+0.9;Growth:-0.6;Quality:+0.7;Size:+0.1;Momentum:-0.7;LowVol:-0.5,NoDerivatives,6,25,5.9,trailing 9%,129,23.3,Bull,14.6,4.39,2.3,115,70,90,37,false,NoAction,Within bands; monitor,-1,-20,BrokerB,MKT,0,None,None,Normal monitoring,-56,-53,-43,5,false,Within IPS guidelines
P0692,Systematic,Trust,USD,2025-01-25,817541,77496,740045,1.0,63.8,29.0,0.0,7.2,TLT:37.2%;AAPL:25.6%;HYG:37.2%,US:69.9;EU:12.3;APAC:7.0;EM:8.9;Other:1.9,Value:+0.1;Growth:-0.4;Quality:+0.9;Size:-0.2;Momentum:-0.4;LowVol:-0.7,MaxPos6%,5,35,4.4,hard 12%,158,17.9,Sideways,17.7,4.3,2.5,116,5,37,56,false,Hedge,Add TLT +1% as duration hedge,19,1,BrokerA,LMT,90,None,None,Normal monitoring,8,-24,126,4,false,Monitor dispersion and breadth
P0693,Hands-off,IRA,USD,2025-03-16,488515,40235,448280,1.0,62.9,28.6,0.0,8.5,GLD:23.3%;BND:10.5%;TLT:19.5%;AMZN:23.3%;HYG:23.3%,US:70.2;EU:6.5;APAC:13.8;EM:8.0;Other:1.6,Value:-0.4;Growth:-0.0;Quality:+0.6;Size:+0.9;Momentum:-0.6;LowVol:-0.7,,7,30,4.3,trailing 8%,118,13.5,Volatile,29.2,4.22,3.4,143,-2,53,78,true,Hedge,Buy index puts 1% notional,0,-39,BrokerA,LMT,87,RegimeShift,Reduce,Volatility spike and breadth deterioration,-47,-13,-30,4,false,Within IPS guidelines
P0694,Systematic,Trust,USD,2024-10-30,1264121,80205,1183916,1.0,57.7,27.8,8.6,5.9,AAPL:33.3%;BND:33.3%;GLD:33.3%,US:65.4;EU:10.3;APAC:9.0;EM:13.7;Other:1.6,Value:+1.0;Growth:+0.8;Quality:-0.5;Size:+0.7;Momentum:+0.9;LowVol:-0.9,,7,25,4.0,trailing 8%,179,21.4,Bear,33.2,3.0,1.9,132,-109,5,84,true,Reduce,"Cut high-beta by 2-3%, add cash",2,-19,BrokerC,MKT,94,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-22,-18,90,5,false,Tighten stops on momentum names
P0695,Hands-off,Trust,USD,2024-09-09,296698,20594,276104,1.0,72.4,16.4,2.8,8.4,QQQ:22.1%;MSFT:14.1%;GLD:11.0%;MUB:12.0%;TLT:22.1%;BND:18.7%,US:67.0;EU:15.3;APAC:7.7;EM:6.5;Other:3.6,Value:-0.9;Growth:+0.9;Quality:+0.9;Size:-0.5;Momentum:-0.7;LowVol:0.0,ESGOnly;MaxPos7%;NoDerivatives,8,30,4.5,trailing 8%,124,19.8,Sideways,18.4,3.63,3.0,127,51,64,62,true,Reduce,"Cut high-beta by 2-3%, add cash",0,-1,BrokerB,VWAP,93,RegimeShift,Reduce,Volatility spike and breadth deterioration,-36,16,76,2,false,Within IPS guidelines
P0696,Hands-off,IRA,USD,2024-07-05,528259,42939,485320,1.0,62.4,19.9,8.0,9.6,VTI:18.9%;AMZN:10.0%;TSLA:23.7%;MUB:23.7%;MSFT:23.7%,US:69.1;EU:13.6;APAC:9.0;EM:7.6;Other:0.8,Value:+1.0;Growth:+0.6;Quality:-0.2;Size:+0.6;Momentum:+0.9;LowVol:-0.3,,5,30,5.7,hard 10%,120,18.9,Bull,13.6,3.93,2.8,101,21,63,39,false,Buy,Add to core equity +1%,-8,-28,BrokerB,VWAP,97,None,None,Normal monitoring,-57,-55,-71,5,false,Within IPS guidelines
P0697,Systematic,401k,USD,2025-05-11,1173297,108808,1064489,1.0,57.4,32.9,0.0,9.7,VTI:20.5%;GLD:20.5%;IEF:16.4%;HYG:12.3%;TSLA:17.8%;VNQ:12.5%,US:63.6;EU:20.1;APAC:11.0;EM:4.4;Other:0.8,Value:+0.3;Growth:-0.4;Quality:-0.3;Size:+0.3;Momentum:+0.4;LowVol:+0.7,NoDerivatives,6,25,5.2,trailing 8%,143,20.9,Sideways,20.9,4.21,2.8,138,-29,24,54,false,Buy,Add to core equity +1%,32,-4,BrokerD,MKT,90,None,None,Normal monitoring,48,-24,136,3,false,Within IPS guidelines
P0698,Hands-off,401k,USD,2024-09-28,312157,29770,282387,1.0,66.1,26.5,0.0,7.4,GLD:28.7%;MSFT:28.7%;AAPL:18.6%;BND:24.0%,US:56.1;EU:18.9;APAC:14.7;EM:9.4;Other:0.9,Value:0.0;Growth:-0.5;Quality:-0.2;Size:-0.7;Momentum:-0.9;LowVol:0.0,ESGOnly;MaxPos6%;NoDerivatives,6,30,3.8,trailing 8%,164,15.6,Volatile,24.0,5.15,4.3,178,-60,12,57,false,Rebalance,Shift +1% to bonds from equity,6,-4,BrokerA,LMT,86,None,None,Normal monitoring,32,11,96,3,false,Within IPS guidelines
P0699,Opportunistic,Taxable,USD,2025-03-28,1268476,71931,1196545,1.0,73.5,10.7,9.9,5.9,TSLA:7.3%;IEF:16.2%;GLD:21.6%;VOO:21.6%;MUB:12.3%;AMZN:20.9%,US:68.8;EU:8.3;APAC:13.5;EM:8.4;Other:1.1,Value:-0.6;Growth:-0.4;Quality:-0.9;Size:-0.5;Momentum:+0.1;LowVol:+0.8,,7,30,4.8,trailing 7%,166,30.9,Volatile,24.8,4.22,2.9,128,-4,63,68,false,Buy,Add to core equity +1%,13,9,BrokerC,MKT,93,None,None,Normal monitoring,81,-50,170,3,false,Tighten stops on momentum names
P0700,Active,Taxable,USD,2025-09-09,1883944,153764,1730180,1.0,65.8,20.8,8.1,5.2,IEF:13.9%;TSLA:20.9%;GLD:13.8%;AMZN:20.9%;MUB:11.8%;XLF:18.7%,US:59.3;EU:17.0;APAC:13.0;EM:6.6;Other:4.2,Value:+1.0;Growth:-0.9;Quality:+0.2;Size:+0.7;Momentum:+0.1;LowVol:-0.2,,7,25,5.8,trailing 9%,225,21.4,Bull,12.7,4.93,3.5,93,10,47,53,false,Buy,Add to core equity +1%,15,12,BrokerA,MKT,87,None,None,Normal monitoring,-38,-41,29,5,false,Tighten stops on momentum names
P0701,Cautious,Roth,USD,2024-07-14,407763,45841,361922,1.0,43.9,33.7,8.6,13.9,QQQ:22.8%;TLT:13.1%;HYG:22.8%;VNQ:18.9%;VTI:22.4%,US:69.7;EU:12.3;APAC:9.1;EM:4.8;Other:4.1,Value:+0.2;Growth:+0.8;Quality:+0.9;Size:-0.4;Momentum:+1.0;LowVol:-0.9,ESGOnly;NoMargin,7,35,3.4,hard 10%,95,12.2,Volatile,25.6,5.02,2.5,152,-46,37,53,false,Sell,Trim extended winner -1%,0,-16,BrokerA,LMT,96,None,None,Normal monitoring,101,15,61,4,false,Increase defensive factor exposure
P0702,Cautious,Taxable,USD,2025-03-14,564168,83694,480474,1.0,52.3,33.1,4.2,10.5,GLD:15.6%;AAPL:15.3%;XLF:20.7%;BRK.B:20.7%;VOO:10.3%;TLT:17.3%,US:67.9;EU:9.3;APAC:9.9;EM:9.8;Other:3.0,Value:+0.3;Growth:+1.0;Quality:-0.5;Size:-0.8;Momentum:-0.6;LowVol:-0.3,NoDerivatives;NoMargin,7,30,5.5,trailing 8%,104,15.5,Sideways,21.2,4.69,2.7,134,18,60,56,false,NoAction,Within bands; monitor,-2,-17,BrokerB,VWAP,88,None,None,Normal monitoring,24,-33,153,3,false,Tighten stops on momentum names
P0703,Systematic,Taxable,USD,2025-06-08,482174,26884,455290,1.0,60.2,21.3,12.5,6.1,VNQ:20.0%;XLF:21.1%;VTI:22.2%;IEF:22.2%;AAPL:14.6%,US:56.9;EU:14.0;APAC:16.4;EM:9.0;Other:3.7,Value:-0.9;Growth:+0.7;Quality:-0.9;Size:-0.5;Momentum:+0.7;LowVol:-0.5,MaxPos5%;NoDerivatives,7,30,5.5,hard 12%,190,16.3,Bull,17.8,3.61,2.7,77,23,55,45,false,Rebalance,Shift +1% to bonds from equity,-5,-36,BrokerB,MKT,95,None,None,Normal monitoring,-60,8,56,5,false,Monitor dispersion and breadth
P0704,Opportunistic,401k,USD,2025-04-08,353561,18563,334998,1.0,72.9,14.5,7.8,4.8,TLT:12.7%;GLD:25.4%;MUB:25.4%;QQQ:18.3%;MSFT:18.2%,US:63.5;EU:6.3;APAC:14.4;EM:11.0;Other:4.9,Value:+0.9;Growth:+0.8;Quality:-0.9;Size:+0.2;Momentum:-0.8;LowVol:+0.7,NoDerivatives,7,25,5.6,hard 12%,260,28.3,Volatile,22.3,3.81,3.8,110,-45,20,73,true,Reduce,"Cut high-beta by 2-3%, add cash",30,-31,BrokerB,LMT,97,RegimeShift,Hedge,Volatility spike and breadth deterioration,112,-49,196,4,false,Within IPS guidelines
P0705,Active,Taxable,USD,2025-11-18,2361488,226267,2135221,1.0,64.7,26.3,2.4,6.6,HYG:23.2%;VTI:12.3%;IEF:23.2%;VNQ:18.1%;VOO:23.2%,US:71.1;EU:5.9;APAC:9.6;EM:8.3;Other:5.1,Value:-0.6;Growth:-0.5;Quality:-0.6;Size:+0.5;Momentum:-0.4;LowVol:+0.3,MaxPos7%,10,25,5.0,trailing 8%,211,19.4,Sideways,15.0,4.94,3.3,113,27,52,56,false,Buy,Add to core equity +1%,24,-11,BrokerC,LMT,91,None,None,Normal monitoring,-38,-39,35,4,false,Monitor dispersion and breadth
P0706,Cautious,Taxable,USD,2025-05-17,774958,93983,680975,1.0,48.2,30.4,7.1,14.2,MSFT:14.5%;HYG:17.0%;VTI:16.2%;VOO:15.6%;QQQ:15.9%;BND:20.9%,US:60.8;EU:14.9;APAC:12.7;EM:10.6;Other:1.0,Value:+0.7;Growth:+0.1;Quality:-0.3;Size:+1.0;Momentum:-0.2;LowVol:+0.2,ESGOnly;NoMargin,6,25,4.8,trailing 8%,107,18.5,Volatile,31.0,4.76,4.0,166,-49,23,64,false,Buy,Add to core equity +1%,0,-36,BrokerD,LMT,89,None,None,Normal monitoring,-9,18,36,4,false,Monitor dispersion and breadth
P0707,Cautious,Taxable,USD,2025-02-12,661872,105303,556569,1.0,40.1,43.5,0.6,15.8,GLD:7.8%;VOO:22.7%;QQQ:23.1%;IEF:23.1%;MUB:23.1%,US:62.4;EU:13.9;APAC:13.9;EM:6.6;Other:3.2,Value:-0.4;Growth:+0.5;Quality:-0.6;Size:-0.3;Momentum:-0.0;LowVol:+0.1,NoMargin,8,30,5.6,trailing 8%,91,14.6,Sideways,21.7,3.53,2.1,136,-15,56,38,false,Rebalance,Shift +1% to bonds from equity,28,-36,BrokerB,MKT,92,None,None,Normal monitoring,89,-21,112,5,false,Increase defensive factor exposure
P0708,Hands-off,Taxable,USD,2024-12-16,818859,38173,780686,1.0,62.0,21.7,7.2,9.1,QQQ:22.5%;TSLA:22.5%;TLT:9.9%;AMZN:22.5%;BND:22.5%,US:65.4;EU:6.1;APAC:11.0;EM:12.5;Other:5.0,Value:+0.5;Growth:+0.8;Quality:+0.1;Size:-0.4;Momentum:+0.5;LowVol:0.0,MaxPos5%;NoDerivatives,6,30,3.3,trailing 8%,140,16.9,Sideways,15.7,3.76,2.6,111,-12,44,38,true,Hedge,Buy index puts 1% notional,15,-17,BrokerB,MKT,91,Drift>tolerance,Reduce,Allocation drift beyond policy bands,72,-20,62,3,false,Tighten stops on momentum names
P0709,Hands-off,Roth,USD,2025-07-14,893443,43107,850336,1.0,68.9,21.9,0.0,9.2,GLD:25.7%;HYG:22.8%;AMZN:25.7%;BRK.B:25.7%,US:69.3;EU:11.7;APAC:12.5;EM:6.2;Other:0.4,Value:+0.6;Growth:-0.6;Quality:+0.2;Size:-0.5;Momentum:+0.4;LowVol:+0.8,ESGOnly;MaxPos6%,5,25,5.1,trailing 8%,168,19.6,Bull,12.9,4.84,3.3,88,104,99,51,false,Rebalance,Shift +1% to bonds from equity,18,-4,BrokerD,MKT,94,None,None,Normal monitoring,0,-4,50,5,false,Monitor dispersion and breadth
P0710,Cautious,Taxable,USD,2024-08-20,562394,45173,517221,1.0,36.6,36.2,10.5,16.8,HYG:27.9%;VNQ:27.9%;AMZN:16.2%;MUB:27.9%,US:64.5;EU:13.4;APAC:12.8;EM:8.3;Other:0.9,Value:+0.1;Growth:+0.8;Quality:-0.9;Size:-1.0;Momentum:-0.4;LowVol:+0.4,ESGOnly;NoMargin,5,30,4.0,trailing 8%,158,15.3,Bull,15.8,4.47,2.9,87,46,58,33,false,Rebalance,Shift +1% to bonds from equity,18,-14,BrokerC,LMT,88,None,None,Normal monitoring,-24,-16,93,4,false,Monitor dispersion and breadth
P0711,Cautious,IRA,USD,2025-10-05,269130,22103,247027,1.0,48.4,30.5,5.4,15.8,VTI:33.3%;AAPL:33.3%;VNQ:33.3%,US:57.7;EU:18.0;APAC:13.5;EM:7.0;Other:3.8,Value:-0.4;Growth:+0.5;Quality:-0.6;Size:-0.9;Momentum:+0.6;LowVol:+0.9,NoMargin,7,35,3.4,trailing 8%,98,16.8,Sideways,14.3,4.72,2.8,132,-24,31,46,false,NoAction,Within bands; monitor,9,-21,BrokerA,MKT,0,None,None,Normal monitoring,47,-58,182,5,false,Tax-aware sells next window
P0712,Hands-off,Roth,USD,2024-08-05,165942,15226,150716,1.0,62.5,27.8,0.0,9.7,TSLA:13.9%;AMZN:24.2%;BND:23.1%;IEF:22.7%;BRK.B:16.1%,US:61.2;EU:23.1;APAC:6.6;EM:8.1;Other:1.1,Value:+0.6;Growth:-0.2;Quality:-0.1;Size:-0.9;Momentum:-0.6;LowVol:-0.6,MaxPos6%;NoDerivatives,10,35,5.4,trailing 10%,153,15.4,Bear,28.2,4.0,1.1,130,-93,5,77,true,Rebalance,Rebalance back to target bands,-11,-37,BrokerD,LMT,86,VAR>budget,Reduce,Risk above budget threshold,-14,-8,112,5,false,Within IPS guidelines
P0713,Active,IRA,USD,2025-07-24,1526853,177617,1349236,1.11,59.1,25.5,6.4,9.0,HYG:25.0%;AAPL:25.0%;TSLA:25.0%;MUB:25.0%,US:61.3;EU:19.7;APAC:11.9;EM:5.9;Other:1.1,Value:-0.1;Growth:+0.4;Quality:-0.4;Size:+0.2;Momentum:+0.4;LowVol:+0.4,,8,30,5.1,trailing 8%,183,17.5,Sideways,19.4,4.02,2.3,92,40,58,57,false,Rebalance,Shift +1% to bonds from equity,16,1,BrokerB,VWAP,100,None,None,Normal monitoring,55,16,79,5,false,Tax-aware sells next window
P0714,Systematic,401k,USD,2025-08-17,1277867,126530,1151337,1.0,57.2,34.9,2.5,5.5,AMZN:25.5%;XLF:25.5%;QQQ:25.5%;TSLA:23.5%,US:77.6;EU:11.5;APAC:5.7;EM:3.8;Other:1.4,Value:+0.5;Growth:+0.3;Quality:+0.7;Size:+0.7;Momentum:+0.6;LowVol:+0.3,MaxPos5%,6,35,5.8,trailing 8%,191,23.2,Bull,13.7,4.77,3.2,119,47,61,37,false,Buy,Add to core equity +1%,4,-5,BrokerA,MKT,87,None,None,Normal monitoring,-36,0,10,4,false,Tax-aware sells next window
P0715,Opportunistic,IRA,USD,2025-06-18,718543,46263,672280,1.0,63.4,17.2,11.7,7.7,MSFT:21.7%;BRK.B:27.6%;TLT:23.2%;VOO:27.6%,US:67.0;EU:11.2;APAC:11.2;EM:10.2;Other:0.5,Value:-0.9;Growth:+0.3;Quality:-0.9;Size:+0.5;Momentum:-0.0;LowVol:+0.5,NoDerivatives,5,25,6.7,trailing 7%,244,24.4,Volatile,31.4,4.54,2.7,143,14,72,84,true,Hedge,Buy index puts 1% notional,17,-27,BrokerC,VWAP,100,Drift>tolerance,Reduce,Allocation drift beyond policy bands,31,-48,35,3,false,Within IPS guidelines
P0716,Cautious,Taxable,USD,2025-03-18,353525,38370,315155,1.0,37.4,38.1,7.9,16.5,MSFT:31.0%;VTI:34.5%;MUB:34.5%,US:71.7;EU:8.7;APAC:12.1;EM:3.9;Other:3.7,Value:+0.1;Growth:+0.7;Quality:-0.7;Size:-0.9;Momentum:-0.0;LowVol:-0.8,MaxPos6%;NoMargin,7,35,5.6,trailing 8%,113,15.1,Volatile,29.8,4.81,3.7,127,-18,54,69,false,Buy,Add to core equity +1%,27,-8,BrokerD,MKT,91,None,None,Normal monitoring,-15,-44,59,4,false,Within IPS guidelines
P0717,Hands-off,IRA,USD,2025-11-15,322877,13070,309807,1.0,66.6,20.0,3.5,9.8,GLD:26.4%;TSLA:26.4%;AMZN:20.7%;QQQ:26.4%,US:71.1;EU:9.2;APAC:12.4;EM:4.8;Other:2.5,Value:0.0;Growth:+0.8;Quality:-0.5;Size:+0.7;Momentum:-0.7;LowVol:-0.1,NoDerivatives,7,25,3.0,trailing 8%,151,14.6,Bull,11.7,4.35,2.6,86,74,86,33,false,Sell,Trim extended winner -1%,20,-33,BrokerB,MKT,88,None,None,Normal monitoring,68,-20,181,4,false,Monitor dispersion and breadth
P0718,Hands-off,IRA,USD,2025-12-05,424864,36413,388451,1.0,72.2,15.1,3.5,9.3,QQQ:22.9%;IEF:22.3%;VTI:9.1%;MSFT:22.9%;BND:22.9%,US:64.1;EU:16.2;APAC:10.5;EM:6.3;Other:2.9,Value:-0.9;Growth:+0.6;Quality:-0.5;Size:+0.7;Momentum:+0.9;LowVol:+0.4,ESGOnly;NoDerivatives,6,25,5.0,trailing 10%,153,18.6,Volatile,30.7,4.17,3.5,175,72,71,82,true,Rebalance,Rebalance back to target bands,0,3,BrokerA,LMT,96,RegimeShift,Reduce,Volatility spike and breadth deterioration,61,4,58,5,false,Within IPS guidelines
P0719,Opportunistic,Trust,USD,2025-10-02,802558,48038,754520,1.12,75.4,20.4,0.0,4.2,BRK.B:16.3%;AMZN:27.9%;TSLA:27.9%;VNQ:27.9%,US:61.4;EU:19.0;APAC:10.6;EM:6.3;Other:2.6,Value:+0.3;Growth:-0.4;Quality:-1.0;Size:+0.7;Momentum:+0.6;LowVol:+0.8,NoDerivatives,7,30,6.4,hard 12%,266,33.1,Bull,12.0,4.58,2.2,104,108,100,42,false,Rebalance,Shift +1% to bonds from equity,-10,-37,BrokerA,LMT,88,None,None,Normal monitoring,75,-5,62,4,false,Tighten stops on momentum names
P0720,Systematic,Roth,USD,2025-09-11,1234933,70167,1164766,1.0,59.4,22.7,9.0,8.9,VNQ:8.6%;VTI:9.1%;HYG:24.5%;AMZN:24.5%;VOO:10.5%;GLD:22.8%,US:67.6;EU:13.0;APAC:8.4;EM:9.5;Other:1.6,Value:+0.2;Growth:+0.1;Quality:+0.2;Size:+0.8;Momentum:+0.2;LowVol:+0.1,MaxPos8%,6,25,4.0,hard 12%,138,22.2,Sideways,15.0,4.75,2.8,137,60,73,45,false,Hedge,Add TLT +1% as duration hedge,8,11,BrokerA,MKT,86,None,None,Normal monitoring,116,-9,118,3,false,Tax-aware sells next window
P0721,Cautious,Trust,USD,2025-07-06,590270,75198,515072,1.0,43.0,31.2,13.0,12.8,TLT:14.1%;TSLA:24.9%;QQQ:21.7%;BRK.B:14.4%;VTI:24.9%,US:64.6;EU:6.0;APAC:14.4;EM:9.9;Other:5.1,Value:-0.6;Growth:-0.2;Quality:+0.4;Size:+0.6;Momentum:-0.9;LowVol:-0.5,ESGOnly;MaxPos7%;NoDerivatives;NoMargin,8,25,4.0,trailing 8%,136,19.0,Volatile,26.4,4.22,3.9,173,-13,29,52,false,Buy,Add to core equity +1%,-1,-13,BrokerD,LMT,99,None,None,Normal monitoring,49,16,128,3,false,Increase defensive factor exposure
P0722,Opportunistic,Taxable,USD,2025-08-05,1513066,66578,1446488,1.0,60.5,14.9,15.8,8.7,TLT:33.3%;HYG:33.3%;GLD:33.3%,US:71.9;EU:8.1;APAC:6.4;EM:10.8;Other:2.8,Value:-0.7;Growth:0.0;Quality:-0.8;Size:+0.9;Momentum:-0.2;LowVol:-0.8,,7,35,4.5,hard 12%,201,24.2,Bull,11.4,4.86,2.8,111,117,100,37,true,Reduce,"Cut high-beta by 2-3%, add cash",-4,2,BrokerA,MKT,100,Drift>tolerance,Hedge,Allocation drift beyond policy bands,0,-27,11,2,true,Increase defensive factor exposure
P0723,Systematic,Trust,USD,2024-11-29,1790462,134806,1655656,1.0,60.6,32.2,0.0,7.3,AAPL:25.2%;VOO:26.2%;BRK.B:26.2%;IEF:22.4%,US:72.0;EU:7.7;APAC:7.0;EM:7.2;Other:6.2,Value:-0.2;Growth:+0.3;Quality:+0.5;Size:-0.7;Momentum:-0.7;LowVol:+0.3,MaxPos8%,10,25,5.9,trailing 9%,167,25.6,Volatile,24.9,4.56,3.7,148,-26,43,73,true,Reduce,"Cut high-beta by 2-3%, add cash",-7,-27,BrokerA,MKT,96,VAR>budget,TightenStops,Risk above budget threshold,89,9,122,3,false,Tax-aware sells next window
P0724,Cautious,401k,USD,2025-04-09,441063,67191,373872,1.0,37.1,32.3,13.7,16.9,MSFT:12.5%;BND:25.1%;XLF:25.1%;GLD:12.1%;BRK.B:25.1%,US:71.1;EU:16.7;APAC:5.6;EM:5.6;Other:1.1,Value:+0.3;Growth:-0.2;Quality:-0.4;Size:-0.7;Momentum:-0.7;LowVol:+0.1,MaxPos8%;NoDerivatives;NoMargin,6,35,3.4,trailing 8%,102,18.9,Sideways,14.3,4.93,2.7,123,57,79,34,false,Rebalance,Shift +1% to bonds from equity,-5,7,BrokerA,MKT,97,None,None,Normal monitoring,-29,-20,100,5,false,Monitor dispersion and breadth
P0725,Systematic,Trust,USD,2024-08-02,908191,80937,827254,1.0,57.0,33.8,4.1,5.0,XLF:24.0%;AMZN:24.0%;BND:9.5%;MSFT:24.0%;VOO:18.4%,US:80.5;EU:6.5;APAC:6.9;EM:5.9;Other:0.2,Value:0.0;Growth:+0.1;Quality:+0.6;Size:-0.2;Momentum:+0.6;LowVol:+0.3,,10,25,5.5,trailing 8%,167,23.1,Sideways,20.6,3.51,3.3,100,-3,58,64,false,Buy,Add to core equity +1%,35,-11,BrokerC,MKT,95,None,None,Normal monitoring,-22,11,49,5,false,Tighten stops on momentum names
P0726,Hands-off,IRA,USD,2024-10-10,554733,40775,513958,1.0,59.0,18.7,13.1,9.2,HYG:33.3%;AAPL:33.3%;GLD:33.3%,US:74.9;EU:9.1;APAC:5.8;EM:8.6;Other:1.6,Value:-0.1;Growth:+0.5;Quality:+0.8;Size:-0.8;Momentum:-1.0;LowVol:-0.0,MaxPos5%;NoDerivatives,8,30,5.9,hard 10%,163,12.9,Bull,16.3,3.7,3.0,84,48,64,50,false,Rebalance,Shift +1% to bonds from equity,23,-16,BrokerB,LMT,94,None,None,Normal monitoring,115,13,136,3,false,Monitor dispersion and breadth
P0727,Systematic,Roth,USD,2025-03-06,1531109,83396,1447713,1.0,67.1,27.2,0.0,5.6,XLF:33.3%;VTI:33.3%;AAPL:33.3%,US:63.5;EU:8.7;APAC:16.7;EM:7.3;Other:3.7,Value:-0.9;Growth:-0.3;Quality:-0.4;Size:-0.1;Momentum:-0.4;LowVol:-0.7,,7,25,5.2,hard 12%,126,24.9,Volatile,27.9,3.72,4.1,151,75,84,73,true,Hedge,Buy index puts 1% notional,21,-40,BrokerC,VWAP,97,VAR>budget,Hedge,Risk above budget threshold,19,16,111,2,false,Tighten stops on momentum names
P0728,Opportunistic,Roth,USD,2025-12-08,1463639,85951,1377688,1.0,72.7,20.6,0.0,6.7,TSLA:13.7%;XLF:25.3%;VNQ:14.4%;GLD:25.3%;TLT:21.4%,US:61.2;EU:11.8;APAC:12.5;EM:10.0;Other:4.5,Value:+0.8;Growth:+0.5;Quality:+0.6;Size:-0.1;Momentum:+0.7;LowVol:+0.9,,5,30,4.6,hard 12%,271,29.3,Volatile,22.2,5.1,3.0,121,38,65,65,false,Rebalance,Shift +1% to bonds from equity,2,-1,BrokerB,LMT,86,None,None,Normal monitoring,70,-57,142,3,false,Tax-aware sells next window
P0729,Opportunistic,Trust,USD,2025-11-13,367314,11357,355957,1.0,76.9,13.7,1.0,8.4,MUB:21.0%;XLF:25.5%;TSLA:16.4%;BRK.B:11.7%;AAPL:25.5%,US:63.2;EU:14.8;APAC:12.8;EM:6.0;Other:3.2,Value:-0.2;Growth:-0.0;Quality:-0.3;Size:-0.6;Momentum:+0.8;LowVol:-1.0,MaxPos8%,8,30,6.5,trailing 9%,177,21.0,Bull,17.4,4.5,3.2,119,23,71,63,false,NoAction,Within bands; monitor,13,3,BrokerC,VWAP,88,None,None,Normal monitoring,105,-18,223,4,false,Increase defensive factor exposure
P0730,Systematic,Trust,USD,2025-03-05,1959372,187520,1771852,1.0,59.9,21.3,10.2,8.6,XLF:18.1%;AAPL:22.0%;TLT:22.0%;GLD:20.5%;AMZN:17.3%,US:63.3;EU:12.7;APAC:11.7;EM:8.3;Other:4.1,Value:-0.9;Growth:+1.0;Quality:+0.2;Size:+0.4;Momentum:-0.3;LowVol:+0.8,,8,25,4.8,trailing 9%,199,17.2,Volatile,31.2,3.63,2.5,166,25,62,73,true,Rebalance,Rebalance back to target bands,-5,-7,BrokerD,LMT,96,Drift>tolerance,Hedge,Allocation drift beyond policy bands,1,-43,43,4,false,Within IPS guidelines
P0731,Hands-off,Trust,USD,2025-01-29,340428,19158,321270,1.0,59.4,20.7,14.4,5.6,MUB:13.8%;VOO:28.7%;GLD:28.7%;BND:28.7%,US:60.4;EU:15.6;APAC:13.3;EM:7.7;Other:3.0,Value:+0.3;Growth:+0.2;Quality:-0.9;Size:+0.5;Momentum:+0.5;LowVol:+0.1,ESGOnly,8,30,4.3,trailing 10%,125,13.2,Volatile,30.3,4.93,4.1,132,-49,14,66,false,NoAction,Within bands; monitor,-8,7,BrokerC,LMT,96,None,None,Normal monitoring,-37,-7,22,4,false,Within IPS guidelines
P0732,Cautious,Taxable,USD,2025-11-04,626493,64243,562250,1.0,43.5,41.3,0.0,15.2,AAPL:8.1%;IEF:15.8%;BND:20.9%;QQQ:19.7%;BRK.B:16.2%;HYG:19.3%,US:65.3;EU:12.7;APAC:6.1;EM:11.9;Other:4.0,Value:+0.9;Growth:-1.0;Quality:+0.7;Size:+0.7;Momentum:+0.8;LowVol:+0.3,MaxPos7%;NoMargin,10,25,3.3,hard 10%,106,16.8,Sideways,19.0,3.84,3.2,115,16,45,39,false,NoAction,Within bands; monitor,16,-40,BrokerC,MKT,0,None,None,Normal monitoring,94,1,78,3,false,Within IPS guidelines
P0733,Active,Trust,USD,2025-05-17,1801806,174203,1627603,1.24,65.0,29.5,0.0,5.5,XLF:26.6%;BRK.B:26.6%;AMZN:20.3%;AAPL:26.6%,US:61.1;EU:16.4;APAC:12.6;EM:8.9;Other:1.0,Value:-0.7;Growth:-0.7;Quality:-0.3;Size:-0.0;Momentum:-0.8;LowVol:-0.8,MaxPos6%,7,35,4.3,hard 12%,228,25.0,Bull,12.2,4.48,2.8,102,58,90,38,false,Hedge,Add TLT +1% as duration hedge,4,1,BrokerA,LMT,90,None,None,Normal monitoring,41,-52,34,4,false,Tighten stops on momentum names
P0734,Systematic,IRA,USD,2025-01-18,867737,44719,823018,1.0,57.8,27.7,6.8,7.7,BND:18.7%;QQQ:21.3%;IEF:17.1%;VOO:8.0%;HYG:19.7%;AMZN:15.2%,US:66.0;EU:19.8;APAC:9.0;EM:4.9;Other:0.3,Value:-0.8;Growth:+0.2;Quality:+0.4;Size:+0.8;Momentum:0.0;LowVol:-0.4,,8,35,4.4,trailing 9%,157,17.3,Volatile,31.9,3.58,3.2,144,19,46,81,true,Reduce,"Cut high-beta by 2-3%, add cash",11,-35,BrokerD,LMT,99,VAR>budget,Hedge,Risk above budget threshold,45,4,52,5,false,Monitor dispersion and breadth
P0735,Cautious,IRA,USD,2024-09-13,795994,78553,717441,1.0,48.0,39.9,1.4,10.7,QQQ:18.6%;TLT:18.7%;GLD:9.4%;MUB:20.1%;VOO:13.2%;VTI:20.1%,US:75.1;EU:6.9;APAC:14.0;EM:3.7;Other:0.3,Value:-0.3;Growth:+0.9;Quality:+0.3;Size:-0.4;Momentum:-0.3;LowVol:-0.3,ESGOnly;NoMargin,8,25,4.9,trailing 8%,96,18.5,Bear,33.0,4.29,2.9,140,-25,46,76,true,Reduce,"Cut high-beta by 2-3%, add cash",33,-32,BrokerD,LMT,92,RegimeShift,Reduce,Volatility spike and breadth deterioration,117,-11,95,5,false,Tighten stops on momentum names
P0736,Cautious,IRA,USD,2025-07-03,479309,60274,419035,1.0,47.1,41.7,0.0,11.2,VTI:9.0%;HYG:20.9%;AAPL:20.2%;BRK.B:9.9%;VNQ:20.3%;IEF:19.6%,US:60.8;EU:20.0;APAC:11.4;EM:6.9;Other:0.9,Value:-0.9;Growth:+0.1;Quality:+1.0;Size:+0.6;Momentum:+1.0;LowVol:+0.6,ESGOnly;MaxPos6%;NoMargin,5,25,4.6,trailing 8%,131,13.7,Bull,15.4,4.68,3.1,111,24,55,29,false,Hedge,Add TLT +1% as duration hedge,13,-30,BrokerD,LMT,97,None,None,Normal monitoring,94,-8,99,4,false,Monitor dispersion and breadth
P0737,Hands-off,401k,USD,2025-10-04,795719,62065,733654,1.0,71.4,21.3,0.0,7.3,GLD:12.4%;HYG:21.5%;MSFT:14.5%;AAPL:21.5%;VOO:15.5%;BRK.B:14.5%,US:60.4;EU:15.2;APAC:14.8;EM:8.7;Other:0.9,Value:+0.8;Growth:-0.6;Quality:+0.2;Size:+0.4;Momentum:+0.7;LowVol:-0.3,ESGOnly,7,30,5.1,trailing 8%,97,14.1,Bull,11.5,4.76,2.3,77,49,81,54,false,Rebalance,Shift +1% to bonds from equity,-15,-11,BrokerB,MKT,89,None,None,Normal monitoring,84,2,139,3,false,Increase defensive factor exposure
P0738,Cautious,Taxable,USD,2025-04-27,385617,54274,331343,1.0,54.0,31.9,3.6,10.5,HYG:33.3%;VNQ:33.3%;MUB:33.3%,US:70.0;EU:15.0;APAC:7.4;EM:7.2;Other:0.5,Value:-0.5;Growth:-0.4;Quality:+1.0;Size:+0.9;Momentum:-0.6;LowVol:+0.9,ESGOnly;MaxPos8%;NoDerivatives;NoMargin,6,35,4.2,hard 10%,105,15.8,Sideways,21.7,3.84,2.0,90,24,62,52,false,Sell,Trim extended winner -1%,33,-7,BrokerA,LMT,86,None,None,Normal monitoring,-40,-33,38,3,false,Tax-aware sells next window
P0739,Cautious,IRA,USD,2025-11-14,753708,108344,645364,1.0,36.2,35.9,17.3,10.6,BND:22.7%;AAPL:22.7%;BRK.B:9.3%;VNQ:22.6%;QQQ:22.7%,US:66.8;EU:16.5;APAC:12.9;EM:3.6;Other:0.2,Value:-0.2;Growth:+0.8;Quality:-0.6;Size:+0.4;Momentum:+0.6;LowVol:+0.9,ESGOnly;MaxPos6%;NoMargin,8,25,4.4,trailing 10%,160,15.2,Bear,25.1,3.46,2.5,140,-107,5,46,false,NoAction,Within bands; monitor,10,-1,BrokerD,MKT,0,None,None,Normal monitoring,-48,0,73,5,false,Monitor dispersion and breadth
P0740,Cautious,Roth,USD,2024-07-13,675816,96145,579671,1.0,41.8,41.8,0.0,16.4,BND:17.8%;TSLA:22.3%;MSFT:12.4%;VNQ:22.3%;AMZN:9.7%;BRK.B:15.5%,US:66.1;EU:8.9;APAC:11.8;EM:9.4;Other:3.8,Value:+0.3;Growth:-0.2;Quality:-1.0;Size:-0.9;Momentum:0.0;LowVol:+0.5,MaxPos5%;NoDerivatives;NoMargin,6,30,4.7,trailing 8%,131,15.1,Bull,15.3,4.41,3.2,95,51,77,30,false,Buy,Add to core equity +1%,-13,-27,BrokerA,MKT,98,None,None,Normal monitoring,37,-34,137,3,false,Monitor dispersion and breadth
P0741,Opportunistic,Roth,USD,2025-07-15,1747209,151462,1595747,1.0,73.1,19.4,2.7,4.9,MSFT:22.1%;XLF:13.6%;MUB:22.1%;TSLA:8.3%;BND:14.2%;AAPL:19.7%,US:63.8;EU:10.0;APAC:16.3;EM:5.3;Other:4.6,Value:+0.8;Growth:-0.9;Quality:+0.2;Size:-0.3;Momentum:+0.6;LowVol:+0.7,MaxPos7%,5,35,4.6,trailing 9%,275,23.2,Sideways,21.6,4.99,2.5,101,-6,39,58,false,Rebalance,Shift +1% to bonds from equity,3,-24,BrokerC,LMT,89,None,None,Normal monitoring,105,-43,154,4,false,Monitor dispersion and breadth
P0742,Systematic,401k,USD,2025-04-18,927526,83172,844354,1.0,60.3,31.4,0.0,8.4,AMZN:33.3%;BRK.B:33.3%;BND:33.3%,US:68.5;EU:13.0;APAC:12.4;EM:4.8;Other:1.2,Value:-0.6;Growth:-0.4;Quality:+0.7;Size:+0.3;Momentum:+0.7;LowVol:+0.7,NoDerivatives,5,35,5.2,trailing 8%,177,16.6,Sideways,15.9,3.52,3.3,105,29,63,46,false,Rebalance,Shift +1% to bonds from equity,-11,-11,BrokerA,LMT,87,None,None,Normal monitoring,-26,-5,-3,4,false,Tax-aware sells next window
P0743,Active,Trust,USD,2025-07-09,1713447,122181,1591266,1.0,65.7,23.9,1.7,8.7,BRK.B:28.0%;TLT:28.0%;AMZN:15.9%;GLD:28.0%,US:71.3;EU:8.7;APAC:15.9;EM:4.0;Other:0.1,Value:+0.4;Growth:-0.1;Quality:-0.4;Size:-0.3;Momentum:+0.2;LowVol:-0.1,NoDerivatives,7,30,5.1,trailing 8%,220,27.6,Bull,13.6,4.77,2.5,84,16,61,53,true,Hedge,Buy index puts 1% notional,2,8,BrokerB,MKT,96,VAR>budget,Hedge,Risk above budget threshold,-15,17,106,5,false,Within IPS guidelines
P0744,Active,401k,USD,2024-10-09,1517382,170964,1346418,1.0,65.0,28.7,0.4,5.9,VNQ:19.5%;VOO:18.1%;TLT:13.8%;HYG:12.9%;BRK.B:19.4%;MSFT:16.2%,US:64.3;EU:10.8;APAC:9.5;EM:13.5;Other:1.9,Value:+0.1;Growth:-0.4;Quality:-0.9;Size:+0.5;Momentum:-0.3;LowVol:+0.3,,5,35,4.9,trailing 9%,212,21.0,Sideways,16.5,4.02,3.0,137,20,65,42,false,Sell,Trim extended winner -1%,15,-36,BrokerC,MKT,92,None,None,Normal monitoring,-23,-7,79,3,false,Increase defensive factor exposure
P0745,Opportunistic,Taxable,USD,2024-08-29,1171158,38323,1132835,1.0,71.8,13.0,11.2,4.0,VNQ:21.5%;TSLA:10.8%;BND:21.5%;VOO:16.6%;AMZN:10.0%;HYG:19.6%,US:58.4;EU:21.3;APAC:11.5;EM:7.6;Other:1.1,Value:-0.8;Growth:-0.8;Quality:-0.1;Size:+0.5;Momentum:-0.1;LowVol:+0.8,NoDerivatives,6,30,4.5,hard 12%,213,32.5,Bull,11.5,4.83,3.2,73,100,100,51,false,Hedge,Add TLT +1% as duration hedge,24,12,BrokerD,LMT,92,None,None,Normal monitoring,-24,0,28,3,false,Monitor dispersion and breadth
P0746,Cautious,Roth,USD,2024-09-03,853390,134504,718886,1.0,51.0,30.1,1.0,17.9,VOO:16.2%;IEF:26.1%;AMZN:28.8%;BND:28.8%,US:66.3;EU:7.1;APAC:17.9;EM:8.2;Other:0.4,Value:+0.1;Growth:0.0;Quality:-0.8;Size:+0.9;Momentum:+0.1;LowVol:+0.5,ESGOnly;MaxPos6%;NoMargin,10,30,4.9,trailing 8%,154,13.5,Volatile,20.7,4.55,2.7,152,33,55,57,false,Rebalance,Shift +1% to bonds from equity,-13,-22,BrokerC,LMT,97,None,None,Normal monitoring,57,-25,130,5,false,Monitor dispersion and breadth
P0747,Opportunistic,IRA,USD,2024-10-05,1067895,74969,992926,1.08,61.9,11.1,20.7,6.3,HYG:19.8%;TLT:22.2%;MSFT:22.2%;VNQ:13.7%;VOO:22.2%,US:65.5;EU:10.1;APAC:9.7;EM:10.7;Other:4.0,Value:+0.5;Growth:+0.2;Quality:-0.7;Size:+0.8;Momentum:+0.2;LowVol:-0.7,MaxPos5%,5,25,4.1,hard 12%,232,29.8,Volatile,25.9,3.99,3.4,118,7,41,58,false,Rebalance,Shift +1% to bonds from equity,34,7,BrokerB,MKT,96,None,None,Normal monitoring,-60,-6,10,5,false,Monitor dispersion and breadth
P0748,Hands-off,Taxable,USD,2024-09-26,778845,46074,732771,1.0,61.4,28.1,1.5,9.0,HYG:11.4%;IEF:20.3%;AMZN:14.6%;TLT:18.4%;GLD:15.0%;XLF:20.3%,US:66.5;EU:6.5;APAC:8.6;EM:13.1;Other:5.3,Value:-0.5;Growth:+0.8;Quality:+0.1;Size:+0.1;Momentum:+0.2;LowVol:-0.6,,10,35,4.9,trailing 8%,116,16.9,Sideways,16.3,4.26,2.7,101,45,58,43,false,Buy,Add to core equity +1%,29,-24,BrokerD,LMT,92,None,None,Normal monitoring,-31,-32,84,3,false,Tax-aware sells next window
P0749,Active,IRA,USD,2025-05-05,1933769,142258,1791511,1.0,59.9,26.7,5.8,7.6,GLD:36.3%;XLF:36.3%;QQQ:27.3%,US:62.9;EU:20.4;APAC:9.2;EM:5.7;Other:1.8,Value:+0.2;Growth:-0.0;Quality:+0.3;Size:-0.7;Momentum:+0.4;LowVol:+0.8,,6,25,4.8,trailing 9%,198,22.6,Sideways,18.6,4.65,3.3,137,-13,54,62,true,Reduce,"Cut high-beta by 2-3%, add cash",3,-15,BrokerA,LMT,93,Drift>tolerance,Hedge,Allocation drift beyond policy bands,20,-60,148,4,false,Tax-aware sells next window
P0750,Cautious,Trust,USD,2024-08-07,187372,23395,163977,1.0,43.2,40.3,0.0,16.5,TLT:30.8%;GLD:22.4%;MUB:16.0%;AAPL:30.8%,US:64.7;EU:11.5;APAC:8.7;EM:14.5;Other:0.6,Value:+0.7;Growth:+0.9;Quality:+0.1;Size:-0.1;Momentum:-0.4;LowVol:0.0,NoMargin,8,35,4.4,trailing 8%,139,18.4,Volatile,27.7,3.63,2.3,150,-50,18,60,false,Buy,Add to core equity +1%,-7,1,BrokerD,VWAP,89,None,None,Normal monitoring,50,-41,155,4,false,Tighten stops on momentum names
P0751,Cautious,Trust,USD,2025-08-15,659612,69194,590418,1.0,36.2,32.5,15.8,15.5,GLD:20.2%;HYG:22.8%;BND:11.4%;TSLA:22.8%;MUB:22.8%,US:71.2;EU:9.8;APAC:6.3;EM:9.4;Other:3.3,Value:-0.8;Growth:-0.8;Quality:-0.3;Size:+0.2;Momentum:+0.5;LowVol:+0.3,ESGOnly;MaxPos8%;NoDerivatives;NoMargin,8,30,5.1,hard 10%,142,15.9,Volatile,20.7,4.28,3.5,135,59,72,33,false,Rebalance,Shift +1% to bonds from equity,17,-17,BrokerB,MKT,88,None,None,Normal monitoring,16,-31,37,5,false,Tax-aware sells next window
P0752,Opportunistic,401k,USD,2025-04-02,714758,32554,682204,1.0,67.2,17.6,6.3,8.9,AMZN:33.3%;VNQ:33.3%;HYG:33.3%,US:74.7;EU:7.7;APAC:9.3;EM:7.4;Other:0.9,Value:+0.6;Growth:-0.8;Quality:+1.0;Size:-0.7;Momentum:-0.7;LowVol:-0.1,MaxPos7%,6,25,5.0,hard 12%,215,30.5,Volatile,25.7,4.36,3.9,119,-30,42,62,false,Buy,Add to core equity +1%,-7,-9,BrokerC,VWAP,93,None,None,Normal monitoring,-20,11,99,3,false,Increase defensive factor exposure
P0753,Cautious,401k,USD,2025-04-21,222499,24693,197806,1.0,47.0,41.1,0.0,11.9,BND:17.4%;AAPL:18.9%;HYG:21.4%;TLT:21.4%;AMZN:7.4%;GLD:13.5%,US:64.0;EU:13.6;APAC:12.8;EM:7.8;Other:1.9,Value:+1.0;Growth:-0.4;Quality:-0.4;Size:+0.4;Momentum:-0.7;LowVol:+0.9,MaxPos5%;NoDerivatives;NoMargin,5,35,3.2,trailing 8%,139,18.7,Bull,17.1,4.04,2.9,91,88,81,43,false,Sell,Trim extended winner -1%,31,-33,BrokerA,LMT,90,None,None,Normal monitoring,51,-4,147,4,false,Tighten stops on momentum names
P0754,Cautious,IRA,USD,2024-12-29,583274,64101,519173,1.0,43.3,35.2,4.2,17.3,MSFT:19.2%;AMZN:8.9%;IEF:13.7%;MUB:16.4%;XLF:20.9%;GLD:20.9%,US:63.1;EU:20.3;APAC:11.2;EM:5.3;Other:0.1,Value:-0.4;Growth:-0.0;Quality:-0.3;Size:-0.9;Momentum:+0.4;LowVol:+0.3,ESGOnly;NoMargin,7,25,4.2,hard 10%,109,17.6,Sideways,15.0,3.89,2.7,127,36,73,31,false,NoAction,Within bands; monitor,13,-16,BrokerD,MKT,0,None,None,Normal monitoring,70,-58,104,4,false,Monitor dispersion and breadth
P0755,Systematic,Taxable,USD,2025-08-20,624827,31000,593827,1.0,58.1,20.2,13.6,8.1,TSLA:15.8%;BND:16.4%;HYG:15.6%;IEF:16.3%;QQQ:20.3%;BRK.B:15.5%,US:69.1;EU:14.8;APAC:6.5;EM:9.2;Other:0.4,Value:-0.4;Growth:-0.9;Quality:-0.5;Size:+0.1;Momentum:+0.8;LowVol:+0.5,MaxPos5%;NoDerivatives,5,35,4.0,hard 12%,213,24.1,Bear,27.9,3.32,1.7,174,-21,54,79,true,Hedge,Buy index puts 1% notional,-9,-39,BrokerD,VWAP,97,VAR>budget,Reduce,Risk above budget threshold,-3,-53,16,3,false,Tax-aware sells next window
P0756,Hands-off,401k,USD,2025-02-14,382376,22759,359617,1.0,66.8,21.3,6.8,5.1,TSLA:33.3%;GLD:33.3%;TLT:33.3%,US:59.8;EU:22.4;APAC:8.2;EM:8.0;Other:1.7,Value:+0.9;Growth:+0.5;Quality:+0.5;Size:-0.9;Momentum:-0.1;LowVol:+0.8,NoDerivatives,7,25,4.3,trailing 8%,107,18.9,Sideways,14.0,4.91,2.7,90,37,74,55,false,Sell,Trim extended winner -1%,29,-11,BrokerB,LMT,94,None,None,Normal monitoring,-40,9,-44,3,false,Within IPS guidelines
P0757,Opportunistic,401k,USD,2024-11-21,642149,50892,591257,1.0,72.8,14.9,5.9,6.4,XLF:22.2%;AAPL:14.7%;QQQ:22.4%;VOO:18.2%;BND:22.4%,US:62.8;EU:17.1;APAC:7.9;EM:9.7;Other:2.5,Value:-0.1;Growth:-0.3;Quality:0.0;Size:-0.3;Momentum:-0.1;LowVol:-0.4,NoDerivatives,6,35,5.2,trailing 9%,225,26.7,Bear,27.5,4.13,2.7,212,6,67,77,true,Rebalance,Rebalance back to target bands,2,-33,BrokerD,VWAP,86,RegimeShift,Reduce,Volatility spike and breadth deterioration,-15,-54,93,5,false,Increase defensive factor exposure
P0758,Systematic,401k,USD,2025-02-12,457812,32477,425335,1.0,63.4,31.2,0.0,5.4,TSLA:36.1%;XLF:36.1%;BRK.B:27.9%,US:62.6;EU:18.8;APAC:10.8;EM:7.2;Other:0.6,Value:+0.1;Growth:+0.6;Quality:-0.9;Size:+0.6;Momentum:-0.1;LowVol:-0.1,NoDerivatives,6,25,5.5,hard 12%,173,21.2,Bull,16.5,3.82,3.2,97,116,96,53,true,Hedge,Buy index puts 1% notional,9,-40,BrokerB,MKT,96,RegimeShift,TightenStops,Volatility spike and breadth deterioration,93,10,196,2,true,Tax-aware sells next window
P0759,Cautious,Trust,USD,2024-11-29,689174,107894,581280,1.0,45.9,39.2,4.8,10.1,MUB:25.0%;AMZN:25.0%;BND:19.6%;BRK.B:15.6%;XLF:14.8%,US:61.7;EU:19.1;APAC:8.8;EM:9.4;Other:1.0,Value:+0.8;Growth:-0.8;Quality:-0.3;Size:-0.4;Momentum:-0.9;LowVol:-0.0,ESGOnly;NoMargin,8,25,3.2,trailing 8%,123,16.3,Bull,15.0,3.8,3.4,101,50,90,29,false,Rebalance,Shift +1% to bonds from equity,-9,-11,BrokerD,MKT,97,None,None,Normal monitoring,118,-15,101,5,false,Tighten stops on momentum names
P0760,Opportunistic,Trust,USD,2024-10-10,1002409,51406,951003,1.0,70.7,12.9,10.5,5.8,XLF:18.5%;IEF:13.0%;MSFT:10.7%;GLD:20.1%;BRK.B:19.3%;BND:18.5%,US:77.2;EU:12.4;APAC:5.2;EM:3.7;Other:1.5,Value:-0.8;Growth:+0.7;Quality:-0.1;Size:+0.7;Momentum:-0.2;LowVol:-0.3,MaxPos7%;NoDerivatives,7,35,4.4,trailing 7%,267,22.9,Bull,13.8,4.41,2.4,114,111,95,54,true,Hedge,Buy index puts 1% notional,-2,-29,BrokerC,LMT,98,Drift>tolerance,Hedge,Allocation drift beyond policy bands,75,-47,74,4,false,Tax-aware sells next window
P0761,Hands-off,IRA,USD,2025-01-25,753947,33837,720110,1.0,71.2,21.5,1.9,5.5,VOO:14.2%;MSFT:21.6%;TLT:21.6%;XLF:21.3%;IEF:21.4%,US:58.2;EU:18.0;APAC:6.5;EM:13.5;Other:3.8,Value:-0.4;Growth:-0.2;Quality:+0.4;Size:-0.6;Momentum:-0.1;LowVol:0.0,MaxPos7%;NoDerivatives,10,35,5.6,trailing 8%,132,12.8,Bear,27.8,4.22,2.1,137,29,63,88,true,Reduce,"Cut high-beta by 2-3%, add cash",24,-23,BrokerB,LMT,92,VAR>budget,Reduce,Risk above budget threshold,52,-52,12,2,false,Tighten stops on momentum names
P0762,Hands-off,Roth,USD,2024-11-07,678731,30236,648495,1.0,73.5,15.0,2.0,9.4,IEF:21.5%;TLT:8.7%;QQQ:13.2%;VOO:21.5%;GLD:13.7%;MSFT:21.5%,US:59.0;EU:10.6;APAC:14.9;EM:12.6;Other:3.0,Value:-0.5;Growth:-0.6;Quality:-0.4;Size:-0.4;Momentum:+1.0;LowVol:-0.6,ESGOnly;MaxPos5%,8,25,3.2,trailing 10%,145,15.5,Volatile,23.0,5.38,3.8,112,4,39,60,false,Rebalance,Shift +1% to bonds from equity,25,-27,BrokerA,MKT,92,None,None,Normal monitoring,-53,-1,81,4,false,Monitor dispersion and breadth
P0763,Opportunistic,Taxable,USD,2024-12-15,748537,34350,714187,1.12,67.9,15.8,11.1,5.2,GLD:30.5%;MSFT:30.5%;VNQ:14.5%;BRK.B:24.6%,US:65.7;EU:12.6;APAC:10.4;EM:8.0;Other:3.3,Value:+0.8;Growth:-0.3;Quality:+0.3;Size:+0.6;Momentum:+0.4;LowVol:+0.2,,10,35,4.3,trailing 7%,255,21.2,Bull,12.8,3.76,2.3,101,28,51,41,false,Buy,Add to core equity +1%,-15,1,BrokerD,LMT,96,None,None,Normal monitoring,15,-24,5,5,false,Monitor dispersion and breadth
P0764,Active,IRA,USD,2024-09-15,1249635,107914,1141721,1.0,56.6,18.4,19.2,5.7,AMZN:25.0%;MUB:25.0%;XLF:25.0%;HYG:25.0%,US:62.9;EU:14.0;APAC:11.5;EM:9.6;Other:2.0,Value:+0.6;Growth:-0.0;Quality:+0.2;Size:-0.5;Momentum:-0.3;LowVol:-0.6,,6,35,4.1,hard 12%,222,27.2,Volatile,21.9,5.43,2.3,119,58,77,63,false,Buy,Add to core equity +1%,-11,7,BrokerD,LMT,94,None,None,Normal monitoring,-60,-37,-56,3,false,Within IPS guidelines
P0765,Active,IRA,USD,2025-03-19,616555,40209,576346,1.0,52.2,31.9,10.0,5.9,QQQ:9.2%;XLF:12.8%;TLT:22.9%;VNQ:12.1%;GLD:22.9%;VTI:20.2%,US:65.4;EU:16.6;APAC:10.7;EM:7.1;Other:0.2,Value:-0.8;Growth:-0.7;Quality:-0.9;Size:-0.1;Momentum:+0.4;LowVol:-0.1,NoDerivatives,10,30,5.5,trailing 8%,225,16.5,Volatile,21.6,4.96,2.5,148,69,83,61,false,Sell,Trim extended winner -1%,16,-30,BrokerA,MKT,95,None,None,Normal monitoring,-40,-43,-18,5,false,Tax-aware sells next window
P0766,Cautious,Taxable,USD,2024-08-30,432611,67109,365502,1.0,41.7,31.0,13.4,13.9,MSFT:10.5%;VOO:20.9%;QQQ:17.6%;MUB:16.9%;TLT:20.9%;VNQ:13.2%,US:65.4;EU:10.6;APAC:12.6;EM:7.0;Other:4.4,Value:-0.3;Growth:-0.8;Quality:-0.7;Size:+0.8;Momentum:+0.8;LowVol:+0.3,ESGOnly;NoMargin,7,30,3.9,hard 10%,127,17.9,Volatile,24.9,4.13,3.4,157,10,62,53,false,Hedge,Add TLT +1% as duration hedge,-10,-9,BrokerD,LMT,89,None,None,Normal monitoring,-22,9,93,5,false,Monitor dispersion and breadth
P0767,Systematic,Roth,USD,2025-04-13,1967301,179581,1787720,1.0,62.9,28.8,0.0,8.3,IEF:20.6%;VOO:7.1%;BND:20.6%;TLT:15.1%;TSLA:20.3%;GLD:16.2%,US:66.9;EU:15.0;APAC:10.5;EM:6.4;Other:1.2,Value:+0.4;Growth:+1.0;Quality:+0.2;Size:-0.2;Momentum:-0.2;LowVol:+0.8,,8,35,4.8,trailing 8%,164,27.9,Volatile,30.1,3.51,2.3,145,79,87,78,true,Reduce,"Cut high-beta by 2-3%, add cash",7,-3,BrokerA,MKT,86,VAR>budget,Hedge,Risk above budget threshold,114,-30,139,2,false,Tighten stops on momentum names
P0768,Opportunistic,Trust,USD,2025-03-18,1550132,116354,1433778,1.0,66.5,15.6,11.4,6.5,HYG:21.4%;VNQ:22.2%;VOO:20.9%;AAPL:22.2%;BRK.B:13.3%,US:66.5;EU:5.5;APAC:14.5;EM:9.6;Other:3.9,Value:+0.4;Growth:+1.0;Quality:+0.6;Size:-0.5;Momentum:+1.0;LowVol:-0.2,NoDerivatives,5,25,5.7,hard 12%,198,23.0,Bull,15.6,4.62,2.3,86,105,88,42,true,Reduce,"Cut high-beta by 2-3%, add cash",-9,-32,BrokerB,VWAP,88,Drift>tolerance,Hedge,Allocation drift beyond policy bands,34,-46,36,3,false,Monitor dispersion and breadth
P0769,Systematic,Taxable,USD,2024-10-20,1186501,94258,1092243,1.0,61.3,20.7,8.9,9.1,VOO:25.0%;QQQ:25.0%;TSLA:25.0%;GLD:25.0%,US:62.2;EU:8.5;APAC:10.5;EM:13.9;Other:4.9,Value:-0.9;Growth:+0.6;Quality:-0.9;Size:+0.6;Momentum:+0.4;LowVol:-0.9,MaxPos6%,7,35,5.9,trailing 9%,218,21.8,Bull,16.7,4.01,3.0,92,41,74,51,true,Reduce,"Cut high-beta by 2-3%, add cash",-10,-12,BrokerB,LMT,88,VAR>budget,Reduce,Risk above budget threshold,80,-11,85,5,false,Monitor dispersion and breadth
P0770,Opportunistic,IRA,USD,2024-07-18,1062817,40739,1022078,1.0,60.8,10.4,24.8,4.0,AMZN:11.7%;HYG:21.2%;QQQ:17.6%;GLD:21.2%;VTI:17.6%;BND:10.7%,US:64.0;EU:15.1;APAC:12.0;EM:8.5;Other:0.4,Value:+0.9;Growth:+0.7;Quality:+0.9;Size:-0.0;Momentum:-0.6;LowVol:+0.6,,10,30,6.0,hard 12%,253,31.3,Bear,32.1,4.26,1.8,160,-94,12,79,true,Hedge,Buy index puts 1% notional,14,3,BrokerD,LMT,88,Drift>tolerance,Reduce,Allocation drift beyond policy bands,47,-55,41,2,false,Monitor dispersion and breadth
P0771,Hands-off,401k,USD,2025-01-03,430528,35183,395345,1.0,55.6,27.6,11.7,5.1,AAPL:19.3%;VTI:8.0%;MSFT:20.8%;GLD:14.1%;HYG:17.2%;VOO:20.6%,US:67.4;EU:16.7;APAC:9.7;EM:3.4;Other:2.7,Value:-0.5;Growth:-0.2;Quality:+0.8;Size:-0.6;Momentum:+0.3;LowVol:+0.8,MaxPos5%;NoDerivatives,8,30,5.5,trailing 10%,137,12.2,Bull,11.6,4.43,3.3,101,11,62,46,false,Rebalance,Shift +1% to bonds from equity,26,-9,BrokerC,LMT,89,None,None,Normal monitoring,104,-12,200,5,false,Within IPS guidelines
P0772,Opportunistic,Trust,USD,2025-11-21,982522,53786,928736,1.18,70.7,17.3,7.4,4.5,GLD:24.8%;VOO:18.3%;TSLA:11.3%;MUB:20.7%;VNQ:24.8%,US:61.6;EU:10.6;APAC:14.4;EM:12.6;Other:0.9,Value:+0.7;Growth:-0.3;Quality:-0.9;Size:+0.8;Momentum:-0.8;LowVol:-0.6,,7,35,6.3,trailing 7%,263,23.2,Bull,16.3,3.8,2.7,85,35,59,48,false,Rebalance,Shift +1% to bonds from equity,17,4,BrokerC,LMT,92,None,None,Normal monitoring,75,-2,184,5,false,Monitor dispersion and breadth
P0773,Active,Trust,USD,2025-03-19,893617,54115,839502,1.1,63.8,21.3,6.7,8.2,AMZN:33.3%;HYG:33.3%;BRK.B:33.3%,US:67.8;EU:11.0;APAC:9.2;EM:6.3;Other:5.6,Value:+0.3;Growth:-0.5;Quality:-0.7;Size:+0.5;Momentum:-0.1;LowVol:-0.4,,10,35,5.6,trailing 8%,179,23.2,Volatile,27.8,5.36,2.9,150,-33,45,68,false,Buy,Add to core equity +1%,35,-2,BrokerD,LMT,97,None,None,Normal monitoring,63,18,24,3,false,Increase defensive factor exposure
P0774,Cautious,401k,USD,2025-04-08,597409,57358,540051,1.0,47.7,39.2,0.0,13.1,BND:22.7%;BRK.B:22.7%;IEF:14.3%;VNQ:22.7%;XLF:17.4%,US:64.0;EU:7.6;APAC:14.7;EM:9.4;Other:4.2,Value:+0.1;Growth:-0.9;Quality:+0.8;Size:+0.1;Momentum:-0.0;LowVol:+1.0,ESGOnly;NoDerivatives;NoMargin,8,25,3.1,hard 10%,119,14.3,Bull,13.6,4.61,3.2,87,108,100,35,false,Rebalance,Shift +1% to bonds from equity,27,9,BrokerD,MKT,95,None,None,Normal monitoring,-31,-55,62,3,false,Within IPS guidelines
P0775,Active,Taxable,USD,2024-08-06,1895835,132031,1763804,1.0,61.7,28.8,4.4,5.0,AMZN:25.2%;GLD:25.2%;MUB:25.2%;MSFT:24.3%,US:69.7;EU:9.2;APAC:13.6;EM:3.8;Other:3.6,Value:+0.1;Growth:+0.7;Quality:-0.1;Size:-0.7;Momentum:-0.9;LowVol:+0.2,NoDerivatives,8,25,4.6,trailing 9%,191,27.0,Sideways,17.0,4.24,2.6,121,30,61,42,false,Rebalance,Shift +1% to bonds from equity,23,-34,BrokerB,MKT,92,None,None,Normal monitoring,38,-23,84,5,false,Tax-aware sells next window
P0776,Cautious,401k,USD,2024-10-27,356773,39424,317349,1.0,35.0,38.0,12.1,14.8,TSLA:33.3%;MUB:33.3%;GLD:33.3%,US:63.7;EU:13.5;APAC:12.7;EM:5.3;Other:4.9,Value:+0.3;Growth:+0.2;Quality:+0.6;Size:-0.2;Momentum:-0.3;LowVol:+0.7,NoMargin,6,25,4.8,trailing 10%,104,18.6,Bull,11.5,4.88,2.7,70,75,97,17,false,Rebalance,Shift +1% to bonds from equity,22,15,BrokerC,MKT,97,None,None,Normal monitoring,10,-58,145,4,false,Monitor dispersion and breadth
P0777,Opportunistic,Taxable,USD,2024-12-12,810179,40712,769467,1.07,70.1,20.0,1.1,8.7,MUB:11.0%;TLT:23.2%;QQQ:23.0%;AAPL:19.6%;IEF:23.2%,US:73.2;EU:6.4;APAC:13.1;EM:3.1;Other:4.2,Value:-0.2;Growth:+0.1;Quality:-0.5;Size:-0.6;Momentum:-0.7;LowVol:-0.1,,7,35,5.8,hard 12%,173,28.8,Bear,29.0,4.3,2.7,185,-79,23,88,true,Reduce,"Cut high-beta by 2-3%, add cash",-14,-22,BrokerB,VWAP,96,RegimeShift,Hedge,Volatility spike and breadth deterioration,58,14,125,5,false,Tax-aware sells next window
P0778,Hands-off,IRA,USD,2025-01-27,766146,70662,695484,1.0,63.2,17.5,9.6,9.7,GLD:24.3%;VOO:10.7%;TSLA:24.3%;XLF:16.5%;QQQ:24.3%,US:70.0;EU:7.5;APAC:10.1;EM:10.8;Other:1.6,Value:+0.7;Growth:-0.7;Quality:+0.4;Size:+0.7;Momentum:+1.0;LowVol:-0.1,MaxPos8%,7,30,5.9,hard 10%,170,15.8,Volatile,21.5,4.86,2.7,132,40,63,60,false,NoAction,Within bands; monitor,-3,-27,BrokerB,MKT,0,None,None,Normal monitoring,-55,-11,-11,5,false,Increase defensive factor exposure
P0779,Active,Trust,USD,2025-04-14,1757731,141920,1615811,1.0,55.2,29.8,6.8,8.2,IEF:12.3%;QQQ:21.4%;GLD:18.2%;AMZN:18.6%;TLT:21.4%;VTI:8.1%,US:74.6;EU:5.1;APAC:8.0;EM:10.4;Other:1.9,Value:-0.7;Growth:+0.3;Quality:+0.7;Size:+0.5;Momentum:-0.9;LowVol:-0.2,NoDerivatives,5,35,4.4,trailing 8%,221,24.8,Bull,12.9,4.06,2.9,91,14,69,28,false,Buy,Add to core equity +1%,2,-20,BrokerA,LMT,97,None,None,Normal monitoring,87,3,166,4,false,Within IPS guidelines
P0780,Opportunistic,Trust,USD,2025-12-07,1745289,102766,1642523,1.0,67.8,14.5,9.3,8.4,MSFT:17.3%;TLT:17.1%;VOO:18.1%;AMZN:13.3%;MUB:13.4%;AAPL:20.8%,US:73.0;EU:6.6;APAC:10.4;EM:4.8;Other:5.2,Value:+0.5;Growth:-0.2;Quality:-0.8;Size:-0.6;Momentum:-0.8;LowVol:-0.6,,5,25,4.2,hard 12%,172,26.7,Volatile,21.8,4.34,2.5,118,-22,41,54,true,Rebalance,Rebalance back to target bands,30,-29,BrokerA,MKT,99,VAR>budget,Hedge,Risk above budget threshold,20,-9,8,2,false,Increase defensive factor exposure
P0781,Hands-off,Roth,USD,2025-08-28,848149,74107,774042,1.0,68.5,25.8,0.0,5.7,AMZN:21.9%;IEF:21.7%;MSFT:18.7%;TLT:15.9%;MUB:21.9%,US:65.0;EU:17.7;APAC:6.4;EM:10.6;Other:0.4,Value:+0.8;Growth:+0.5;Quality:+0.1;Size:+0.3;Momentum:-0.5;LowVol:-0.0,,10,25,3.3,trailing 10%,125,15.1,Volatile,26.9,5.26,4.4,156,-19,34,84,true,Reduce,"Cut high-beta by 2-3%, add cash",17,-29,BrokerA,LMT,100,RegimeShift,Hedge,Volatility spike and breadth deterioration,99,-50,63,5,false,Monitor dispersion and breadth
P0782,Active,Roth,USD,2025-07-20,771459,54631,716828,1.0,58.6,20.3,15.2,5.9,HYG:34.1%;BRK.B:31.7%;QQQ:34.1%,US:69.0;EU:12.0;APAC:10.6;EM:4.7;Other:3.7,Value:+0.2;Growth:-0.1;Quality:-0.9;Size:-0.3;Momentum:+1.0;LowVol:+0.4,MaxPos5%,10,35,4.4,hard 12%,198,18.7,Volatile,24.4,4.69,3.7,143,17,44,73,true,Hedge,Buy index puts 1% notional,33,5,BrokerB,LMT,96,Drift>tolerance,Pause,Allocation drift beyond policy bands,-13,4,-4,5,false,Tax-aware sells next window
P0783,Opportunistic,Roth,USD,2025-04-26,1233698,48736,1184962,1.0,75.3,18.1,0.0,6.6,TSLA:27.0%;HYG:27.0%;BRK.B:18.9%;XLF:27.0%,US:63.8;EU:15.4;APAC:9.6;EM:10.1;Other:1.0,Value:-0.6;Growth:+0.8;Quality:+0.1;Size:+0.4;Momentum:+0.4;LowVol:+0.1,NoDerivatives,8,25,6.5,trailing 9%,176,23.1,Bull,14.1,3.63,3.3,86,68,79,61,false,Rebalance,Shift +1% to bonds from equity,3,-10,BrokerB,MKT,87,None,None,Normal monitoring,57,-39,35,5,false,Increase defensive factor exposure
P0784,Hands-off,401k,USD,2024-11-28,460755,28579,432176,1.0,67.1,23.9,0.0,9.0,TSLA:28.6%;MUB:28.6%;BRK.B:28.6%;HYG:14.2%,US:64.3;EU:21.3;APAC:6.3;EM:5.9;Other:2.3,Value:+0.6;Growth:-0.3;Quality:+0.2;Size:-0.9;Momentum:+0.2;LowVol:-0.7,MaxPos7%,8,30,4.2,hard 10%,167,12.0,Volatile,30.2,5.06,3.8,139,-20,33,75,true,Hedge,Buy index puts 1% notional,14,-39,BrokerD,MKT,99,VAR>budget,TightenStops,Risk above budget threshold,-21,8,-20,3,false,Monitor dispersion and breadth
P0785,Cautious,Trust,USD,2024-09-09,878236,81906,796330,1.0,50.2,34.7,0.0,15.1,VTI:34.0%;IEF:34.0%;BND:32.0%,US:68.0;EU:16.1;APAC:11.4;EM:3.9;Other:0.7,Value:+0.1;Growth:+1.0;Quality:-0.2;Size:+0.2;Momentum:-0.4;LowVol:+0.6,NoDerivatives;NoMargin,10,25,6.0,trailing 8%,149,18.2,Sideways,14.6,4.45,3.0,117,53,88,39,true,Hedge,Buy index puts 1% notional,-14,2,BrokerD,MKT,97,VAR>budget,Reduce,Risk above budget threshold,67,-14,45,2,false,Within IPS guidelines
P0786,Opportunistic,Trust,USD,2024-07-20,1019581,64582,954999,1.0,71.7,20.8,3.0,4.5,GLD:17.1%;TLT:23.0%;QQQ:11.0%;VTI:13.5%;AAPL:23.0%;XLF:12.4%,US:65.8;EU:11.1;APAC:8.9;EM:10.2;Other:4.0,Value:+0.6;Growth:-0.0;Quality:-0.9;Size:+0.6;Momentum:+0.7;LowVol:-0.7,NoDerivatives,8,25,5.8,trailing 7%,222,21.8,Bull,11.9,3.67,2.1,78,73,78,55,false,Rebalance,Shift +1% to bonds from equity,-13,0,BrokerB,LMT,95,None,None,Normal monitoring,-52,-7,35,4,false,Within IPS guidelines
P0787,Systematic,401k,USD,2024-09-13,891177,41650,849527,1.0,63.6,27.8,0.0,8.6,MSFT:33.3%;AAPL:33.3%;HYG:33.3%,US:67.7;EU:16.0;APAC:7.1;EM:4.8;Other:4.4,Value:-0.3;Growth:-0.1;Quality:-0.5;Size:+0.2;Momentum:+0.5;LowVol:-0.0,MaxPos6%,8,35,4.5,trailing 8%,145,24.7,Bear,30.8,3.31,1.8,217,16,62,71,true,Hedge,Buy index puts 1% notional,26,2,BrokerD,MKT,98,VAR>budget,Reduce,Risk above budget threshold,116,-20,107,3,false,Tighten stops on momentum names
P0788,Hands-off,Roth,USD,2025-02-05,683554,30884,652670,1.0,66.8,19.3,4.9,9.0,VTI:9.9%;TSLA:11.5%;IEF:20.4%;VNQ:21.2%;MUB:16.1%;AMZN:20.9%,US:70.7;EU:8.9;APAC:10.2;EM:6.4;Other:3.8,Value:-1.0;Growth:-0.7;Quality:+0.6;Size:-0.8;Momentum:-0.2;LowVol:+0.4,ESGOnly;MaxPos8%,8,35,3.3,trailing 10%,141,18.0,Volatile,22.3,4.46,4.5,111,28,60,59,false,Buy,Add to core equity +1%,27,-25,BrokerC,MKT,86,None,None,Normal monitoring,87,-54,51,5,false,Within IPS guidelines
P0789,Cautious,IRA,USD,2024-12-19,697140,92328,604812,1.0,46.6,35.0,5.7,12.7,GLD:35.0%;AAPL:30.0%;QQQ:35.0%,US:72.5;EU:8.0;APAC:7.8;EM:10.3;Other:1.4,Value:+0.3;Growth:+0.1;Quality:-0.4;Size:+1.0;Momentum:-0.5;LowVol:-0.5,NoMargin,8,30,3.6,trailing 8%,162,19.6,Sideways,18.6,3.96,3.2,137,1,36,38,false,Rebalance,Shift +1% to bonds from equity,0,-5,BrokerA,MKT,98,None,None,Normal monitoring,-45,-18,-50,3,false,Increase defensive factor exposure
P0790,Opportunistic,Trust,USD,2025-06-11,368879,28924,339955,1.0,73.2,21.6,0.0,5.2,MSFT:25.6%;AMZN:12.4%;AAPL:16.6%;VNQ:25.6%;TLT:19.8%,US:63.6;EU:9.3;APAC:15.0;EM:6.9;Other:5.2,Value:+0.5;Growth:-0.5;Quality:-0.6;Size:-0.2;Momentum:+0.4;LowVol:-0.4,MaxPos7%,10,25,5.1,trailing 7%,204,21.5,Sideways,18.6,4.27,3.1,107,-15,47,69,false,Rebalance,Shift +1% to bonds from equity,-14,8,BrokerD,LMT,88,None,None,Normal monitoring,94,-48,212,3,false,Increase defensive factor exposure
P0791,Cautious,Roth,USD,2025-06-12,482774,68968,413806,1.0,43.5,34.0,5.7,16.8,GLD:11.8%;MUB:18.6%;VNQ:16.0%;XLF:26.8%;QQQ:26.8%,US:60.5;EU:19.2;APAC:10.8;EM:9.2;Other:0.3,Value:-0.6;Growth:-0.1;Quality:-0.6;Size:-0.7;Momentum:-0.6;LowVol:-0.3,ESGOnly;NoMargin,8,30,5.3,trailing 8%,133,13.7,Volatile,21.3,4.4,2.9,168,42,66,45,false,Sell,Trim extended winner -1%,-8,-16,BrokerD,VWAP,93,None,None,Normal monitoring,-48,-49,72,4,false,Within IPS guidelines
P0792,Cautious,Trust,USD,2024-08-24,205260,22718,182542,1.0,36.3,39.6,12.8,11.3,VNQ:11.7%;BND:13.7%;MUB:20.8%;GLD:12.2%;AMZN:20.8%;XLF:20.8%,US:58.7;EU:15.8;APAC:10.2;EM:11.4;Other:3.9,Value:+0.3;Growth:-0.7;Quality:+0.7;Size:+0.1;Momentum:+0.1;LowVol:+1.0,MaxPos6%;NoDerivatives;NoMargin,10,30,4.2,trailing 8%,150,15.4,Sideways,14.4,3.57,2.7,124,-3,40,35,true,Hedge,Buy index puts 1% notional,-13,-4,BrokerC,LMT,91,VAR>budget,Pause,Risk above budget threshold,38,-49,149,5,false,Within IPS guidelines
P0793,Cautious,Taxable,USD,2025-07-17,498063,79594,418469,1.0,42.1,36.1,10.5,11.2,TSLA:18.6%;GLD:24.0%;TLT:11.3%;QQQ:24.0%;VNQ:9.8%;XLF:12.3%,US:69.9;EU:14.0;APAC:7.8;EM:7.8;Other:0.6,Value:-0.0;Growth:-0.1;Quality:-0.9;Size:+0.2;Momentum:+0.9;LowVol:-0.5,ESGOnly;NoMargin,10,25,4.7,trailing 10%,146,16.0,Sideways,16.4,4.29,3.4,106,24,52,41,false,Sell,Trim extended winner -1%,7,-14,BrokerA,LMT,93,None,None,Normal monitoring,64,-49,96,4,false,Increase defensive factor exposure
P0794,Systematic,Taxable,USD,2024-09-08,1573387,93228,1480159,1.0,61.8,28.1,0.8,9.3,QQQ:22.7%;MUB:7.7%;AAPL:22.7%;TLT:14.0%;GLD:10.1%;VOO:22.7%,US:60.2;EU:17.8;APAC:11.9;EM:6.2;Other:4.0,Value:-0.7;Growth:+0.7;Quality:-0.2;Size:+0.6;Momentum:+0.3;LowVol:-0.3,MaxPos7%;NoDerivatives,7,25,4.8,trailing 8%,135,17.3,Sideways,17.4,4.38,3.4,97,7,61,45,false,Sell,Trim extended winner -1%,4,-17,BrokerB,LMT,93,None,None,Normal monitoring,41,19,49,3,false,Within IPS guidelines
P0795,Active,IRA,USD,2025-11-27,2303161,178958,2124203,1.0,50.0,24.8,18.8,6.4,MUB:23.3%;GLD:22.4%;VNQ:23.3%;QQQ:10.2%;MSFT:20.7%,US:75.9;EU:9.1;APAC:6.6;EM:5.6;Other:2.8,Value:+0.6;Growth:+0.6;Quality:-0.0;Size:0.0;Momentum:+0.3;LowVol:-0.4,MaxPos7%,10,25,5.0,trailing 8%,163,17.1,Bull,14.6,4.37,2.8,120,9,57,42,false,Sell,Trim extended winner -1%,20,-1,BrokerB,LMT,96,None,None,Normal monitoring,22,-6,58,4,false,Tighten stops on momentum names
P0796,Opportunistic,Taxable,USD,2024-11-28,1635496,101950,1533546,1.15,65.7,17.1,9.4,7.8,VTI:33.3%;BRK.B:33.3%;AMZN:33.3%,US:61.6;EU:16.6;APAC:13.1;EM:8.0;Other:0.7,Value:+0.8;Growth:-0.7;Quality:-0.8;Size:+0.3;Momentum:+0.9;LowVol:+0.4,,6,25,6.0,trailing 9%,204,34.1,Volatile,25.8,3.86,2.8,116,44,64,71,true,Hedge,Buy index puts 1% notional,30,-1,BrokerD,MKT,88,RegimeShift,Reduce,Volatility spike and breadth deterioration,71,-37,80,5,false,Monitor dispersion and breadth
P0797,Opportunistic,Taxable,USD,2025-06-17,342322,14630,327692,1.0,74.0,12.1,9.2,4.7,VTI:16.7%;BRK.B:21.7%;HYG:21.7%;IEF:21.7%;AMZN:18.2%,US:62.1;EU:18.2;APAC:9.9;EM:9.2;Other:0.6,Value:-0.3;Growth:-0.2;Quality:-0.6;Size:+0.5;Momentum:+0.2;LowVol:+0.6,,10,25,4.1,trailing 7%,232,22.7,Bull,11.2,5.0,2.4,73,103,100,50,true,Rebalance,Rebalance back to target bands,32,-12,BrokerD,MKT,93,VAR>budget,Pause,Risk above budget threshold,71,-46,31,2,true,Tax-aware sells next window
P0798,Systematic,401k,USD,2025-01-23,1548345,70014,1478331,1.0,60.9,26.8,6.1,6.2,QQQ:23.3%;AAPL:21.2%;BND:23.3%;VTI:19.4%;TLT:12.9%,US:66.3;EU:13.2;APAC:9.4;EM:8.0;Other:3.1,Value:+0.1;Growth:-0.8;Quality:+0.8;Size:+0.4;Momentum:+0.1;LowVol:+0.6,,8,25,4.8,hard 12%,132,17.5,Volatile,30.1,3.78,2.0,163,28,58,81,true,Rebalance,Rebalance back to target bands,4,14,BrokerC,MKT,100,VAR>budget,Hedge,Risk above budget threshold,109,2,242,5,true,Tighten stops on momentum names
P0799,Active,Taxable,USD,2024-08-26,1480441,165323,1315118,1.0,63.4,23.5,3.3,9.8,AMZN:23.2%;IEF:23.2%;VOO:23.2%;MSFT:12.7%;TSLA:17.7%,US:66.3;EU:17.0;APAC:10.8;EM:4.4;Other:1.4,Value:+0.8;Growth:+0.4;Quality:-0.8;Size:+0.2;Momentum:+1.0;LowVol:-1.0,,6,30,5.0,hard 12%,169,18.8,Volatile,31.3,5.0,2.6,136,57,74,75,true,Hedge,Buy index puts 1% notional,14,-12,BrokerA,VWAP,98,Drift>tolerance,Hedge,Allocation drift beyond policy bands,21,6,17,5,false,Monitor dispersion and breadth
P0800,Opportunistic,Trust,USD,2025-03-30,1446948,88713,1358235,1.22,60.5,20.8,13.1,5.6,HYG:22.5%;XLF:22.6%;MSFT:12.8%;TSLA:22.6%;GLD:19.5%,US:71.3;EU:13.0;APAC:6.4;EM:5.4;Other:4.0,Value:-0.8;Growth:+0.8;Quality:-0.0;Size:-0.1;Momentum:-0.3;LowVol:+0.8,,8,35,5.3,trailing 9%,265,21.4,Volatile,21.7,5.43,4.4,136,48,85,54,false,Sell,Trim extended winner -1%,28,-16,BrokerD,MKT,96,None,None,Normal monitoring,71,-31,59,4,false,Increase defensive factor exposure
P0801,Hands-off,Trust,USD,2025-04-05,702518,44013,658505,1.0,56.8,19.9,17.3,5.9,GLD:14.8%;BND:22.2%;MSFT:9.2%;XLF:19.6%;TLT:11.9%;MUB:22.2%,US:70.8;EU:11.8;APAC:9.5;EM:7.3;Other:0.6,Value:+0.4;Growth:-0.2;Quality:+0.8;Size:+0.1;Momentum:+0.1;LowVol:+0.4,ESGOnly;MaxPos6%;NoDerivatives,5,25,5.0,trailing 10%,142,12.0,Bull,14.9,4.1,2.0,111,11,63,52,false,Rebalance,Shift +1% to bonds from equity,-10,-35,BrokerC,MKT,88,None,None,Normal monitoring,15,-9,26,3,false,Within IPS guidelines
P0802,Opportunistic,Trust,USD,2025-09-15,1427044,110396,1316648,1.21,70.7,21.3,0.0,8.0,BND:23.0%;IEF:18.4%;TLT:23.0%;AMZN:17.5%;VOO:18.2%,US:67.0;EU:12.3;APAC:8.4;EM:10.0;Other:2.2,Value:+0.6;Growth:+0.2;Quality:-0.8;Size:-0.6;Momentum:-0.3;LowVol:-0.4,MaxPos6%,6,25,5.8,trailing 7%,191,26.3,Bull,17.6,3.98,3.0,107,53,83,54,false,Buy,Add to core equity +1%,33,3,BrokerC,VWAP,87,None,None,Normal monitoring,-23,0,26,3,false,Within IPS guidelines
P0803,Hands-off,Roth,USD,2025-05-15,733568,61628,671940,1.0,57.9,20.5,16.2,5.3,IEF:15.4%;GLD:16.8%;BND:21.9%;VNQ:13.7%;AAPL:21.9%;VOO:10.3%,US:65.4;EU:19.4;APAC:6.6;EM:4.1;Other:4.6,Value:+0.1;Growth:+0.7;Quality:+0.5;Size:+0.8;Momentum:+0.5;LowVol:+0.6,NoDerivatives,7,25,3.4,trailing 8%,170,18.2,Sideways,19.8,3.72,2.5,115,-2,35,55,false,Buy,Add to core equity +1%,-15,8,BrokerD,LMT,98,None,None,Normal monitoring,-17,-27,99,4,false,Within IPS guidelines
P0804,Systematic,401k,USD,2025-06-17,1606121,103423,1502698,1.0,64.5,29.2,0.0,6.3,BND:33.3%;VNQ:33.3%;TLT:33.3%,US:56.0;EU:17.9;APAC:15.2;EM:6.0;Other:4.8,Value:+0.9;Growth:-0.2;Quality:-0.5;Size:-0.3;Momentum:-0.9;LowVol:+1.0,MaxPos7%,6,35,4.5,trailing 8%,174,21.7,Bear,34.3,3.48,2.8,163,-48,16,93,true,Hedge,Buy index puts 1% notional,29,-6,BrokerA,LMT,89,VAR>budget,Hedge,Risk above budget threshold,-25,-38,-63,4,false,Tax-aware sells next window
P0805,Opportunistic,Roth,USD,2025-11-01,1782249,57647,1724602,1.21,77.3,14.9,3.1,4.7,VOO:21.4%;MUB:12.5%;HYG:20.6%;VTI:21.4%;IEF:10.7%;XLF:13.2%,US:67.0;EU:11.5;APAC:11.2;EM:8.1;Other:2.2,Value:-0.2;Growth:+0.4;Quality:-0.0;Size:0.0;Momentum:-0.4;LowVol:+0.9,MaxPos8%;NoDerivatives,7,30,6.2,trailing 7%,178,34.7,Volatile,23.8,5.04,4.1,157,-13,47,72,true,Hedge,Buy index puts 1% notional,-9,-17,BrokerD,MKT,88,VAR>budget,Hedge,Risk above budget threshold,34,-50,91,3,false,Within IPS guidelines
P0806,Cautious,Taxable,USD,2025-05-24,836890,121545,715345,1.0,47.3,38.8,1.8,12.2,BND:33.3%;TSLA:33.3%;GLD:33.3%,US:65.7;EU:9.7;APAC:9.1;EM:10.5;Other:5.0,Value:+0.8;Growth:+0.5;Quality:+0.7;Size:+0.5;Momentum:+0.9;LowVol:-0.4,ESGOnly;NoMargin,10,30,5.3,trailing 8%,141,16.7,Bear,28.4,4.43,1.4,162,-81,24,65,false,Rebalance,Shift +1% to bonds from equity,6,-39,BrokerC,MKT,88,None,None,Normal monitoring,45,-45,129,5,false,Increase defensive factor exposure
P0807,Active,Taxable,USD,2024-08-30,1055577,92673,962904,1.0,67.7,22.0,4.0,6.3,VOO:26.3%;VTI:26.3%;QQQ:26.3%;HYG:21.1%,US:69.3;EU:6.8;APAC:10.6;EM:8.9;Other:4.5,Value:-0.2;Growth:+0.4;Quality:+0.6;Size:+0.8;Momentum:-0.7;LowVol:-0.5,,5,25,5.7,trailing 9%,173,25.0,Bull,15.4,3.93,2.8,94,29,62,56,false,Rebalance,Shift +1% to bonds from equity,14,0,BrokerD,MKT,94,None,None,Normal monitoring,81,5,129,3,false,Tighten stops on momentum names
P0808,Hands-off,401k,USD,2025-02-28,225981,10254,215727,1.0,61.0,17.8,13.9,7.2,TLT:19.5%;TSLA:21.7%;IEF:24.0%;HYG:10.7%;BRK.B:24.0%,US:60.6;EU:22.0;APAC:7.2;EM:10.0;Other:0.2,Value:+0.6;Growth:-0.0;Quality:+0.5;Size:-0.8;Momentum:-0.3;LowVol:-0.2,ESGOnly,6,30,3.9,hard 10%,163,15.9,Volatile,28.1,4.81,2.0,140,1,58,65,false,Sell,Trim extended winner -1%,11,-30,BrokerA,LMT,99,None,None,Normal monitoring,98,-50,110,5,false,Monitor dispersion and breadth
P0809,Active,Taxable,USD,2024-09-01,1944627,151650,1792977,1.0,52.8,30.5,11.7,5.1,TSLA:33.3%;GLD:33.3%;BRK.B:33.3%,US:70.2;EU:8.1;APAC:14.9;EM:3.5;Other:3.3,Value:-0.8;Growth:-0.5;Quality:-0.7;Size:+0.7;Momentum:-0.5;LowVol:+0.9,NoDerivatives,10,35,5.3,trailing 9%,177,22.8,Bull,16.4,4.6,3.2,102,79,75,38,false,NoAction,Within bands; monitor,27,1,BrokerD,VWAP,88,None,None,Normal monitoring,-7,-23,81,4,false,Within IPS guidelines
P0810,Systematic,401k,USD,2025-12-20,1641487,105465,1536022,1.0,56.5,29.1,7.6,6.7,VTI:21.8%;AMZN:21.1%;VOO:15.1%;IEF:11.5%;HYG:11.7%;AAPL:18.9%,US:57.8;EU:19.2;APAC:9.7;EM:7.9;Other:5.4,Value:-0.6;Growth:-1.0;Quality:-0.5;Size:+0.7;Momentum:-0.5;LowVol:+0.9,MaxPos5%;NoDerivatives,5,35,4.0,trailing 9%,166,19.0,Sideways,15.4,4.24,2.8,116,-20,36,42,false,Sell,Trim extended winner -1%,30,0,BrokerD,MKT,97,None,None,Normal monitoring,26,-36,47,3,false,Tax-aware sells next window
P0811,Active,Taxable,USD,2024-11-30,1682006,185946,1496060,1.0,66.4,27.6,0.0,6.1,MUB:17.5%;BND:27.5%;VOO:27.5%;TLT:27.5%,US:60.6;EU:9.1;APAC:12.1;EM:13.3;Other:4.8,Value:-0.0;Growth:-0.5;Quality:-0.0;Size:-1.0;Momentum:+0.9;LowVol:+0.1,MaxPos8%,5,30,5.7,hard 12%,221,19.1,Sideways,16.1,4.64,3.0,129,42,73,48,true,Rebalance,Rebalance back to target bands,22,-19,BrokerD,MKT,96,RegimeShift,Reduce,Volatility spike and breadth deterioration,117,-40,134,3,false,Within IPS guidelines
P0812,Hands-off,401k,USD,2024-09-10,424654,34826,389828,1.0,69.9,20.3,0.0,9.9,VOO:32.4%;HYG:33.8%;GLD:33.8%,US:62.6;EU:17.3;APAC:6.5;EM:13.1;Other:0.6,Value:+0.2;Growth:+0.2;Quality:-0.5;Size:+0.2;Momentum:+0.8;LowVol:-0.3,MaxPos6%,5,35,5.0,trailing 10%,163,15.4,Bear,25.1,4.4,2.5,164,-88,14,72,true,Rebalance,Rebalance back to target bands,-4,-23,BrokerB,MKT,98,RegimeShift,Reduce,Volatility spike and breadth deterioration,74,-54,84,5,false,Monitor dispersion and breadth
P0813,Cautious,Roth,USD,2024-07-13,210806,28225,182581,1.0,47.6,30.8,5.1,16.5,HYG:22.4%;AMZN:18.1%;QQQ:22.4%;VOO:22.4%;XLF:14.7%,US:62.8;EU:15.6;APAC:12.4;EM:5.8;Other:3.4,Value:+0.1;Growth:+0.1;Quality:+0.7;Size:+0.1;Momentum:+0.7;LowVol:-0.2,MaxPos7%;NoMargin,7,35,5.3,trailing 8%,140,14.7,Bull,15.5,3.88,3.0,112,106,100,36,false,Buy,Add to core equity +1%,32,-15,BrokerD,MKT,92,None,None,Normal monitoring,58,-35,121,5,false,Tax-aware sells next window
P0814,Cautious,401k,USD,2024-11-04,518789,63507,455282,1.0,46.3,39.9,0.0,13.9,MUB:33.3%;XLF:33.3%;AAPL:33.3%,US:69.9;EU:10.3;APAC:7.8;EM:7.5;Other:4.4,Value:+0.5;Growth:-0.3;Quality:-0.9;Size:-1.0;Momentum:+0.4;LowVol:+0.7,NoMargin,8,30,5.1,hard 10%,100,14.5,Bear,31.2,3.26,2.5,156,-37,35,76,true,Rebalance,Rebalance back to target bands,2,11,BrokerB,MKT,92,Drift>tolerance,Reduce,Allocation drift beyond policy bands,118,-60,110,2,false,Within IPS guidelines
P0815,Cautious,Roth,USD,2025-08-07,563313,85588,477725,1.0,36.4,33.9,17.4,12.3,GLD:27.6%;VOO:27.6%;BRK.B:17.3%;TSLA:27.6%,US:55.4;EU:16.5;APAC:15.0;EM:10.5;Other:2.6,Value:+0.4;Growth:+0.8;Quality:+0.6;Size:+0.6;Momentum:+0.5;LowVol:+0.8,NoMargin,8,35,3.7,trailing 10%,103,17.8,Bull,17.1,3.59,3.2,79,15,51,28,false,Buy,Add to core equity +1%,14,10,BrokerD,LMT,89,None,None,Normal monitoring,118,0,172,5,false,Increase defensive factor exposure
P0816,Active,Trust,USD,2024-09-28,869677,87023,782654,1.0,60.9,22.9,6.6,9.7,IEF:33.3%;HYG:33.3%;MUB:33.3%,US:64.4;EU:15.2;APAC:13.2;EM:3.5;Other:3.6,Value:-0.8;Growth:-0.4;Quality:0.0;Size:+0.5;Momentum:-0.3;LowVol:+0.9,,8,30,4.4,trailing 8%,163,24.4,Volatile,31.1,4.21,4.4,140,-58,12,81,true,Rebalance,Rebalance back to target bands,25,-23,BrokerC,MKT,92,Drift>tolerance,Pause,Allocation drift beyond policy bands,12,-57,80,3,false,Tighten stops on momentum names
P0817,Opportunistic,IRA,USD,2025-03-20,555248,30904,524344,1.0,60.8,15.8,14.8,8.6,BRK.B:28.7%;VOO:28.7%;VTI:15.9%;AMZN:26.7%,US:56.0;EU:20.9;APAC:11.3;EM:10.9;Other:1.0,Value:-0.2;Growth:0.0;Quality:-0.2;Size:+0.7;Momentum:+0.2;LowVol:+0.5,MaxPos7%,10,25,6.4,trailing 9%,189,27.9,Bear,23.1,4.09,1.6,168,-106,5,69,false,Hedge,Add TLT +1% as duration hedge,-6,1,BrokerC,VWAP,94,None,None,Normal monitoring,40,-13,55,4,false,Tax-aware sells next window
P0818,Opportunistic,401k,USD,2025-03-23,1277448,76727,1200721,1.0,72.4,19.0,0.0,8.6,TSLA:33.3%;BND:33.3%;AMZN:33.3%,US:68.6;EU:15.3;APAC:8.7;EM:5.7;Other:1.6,Value:-0.4;Growth:-0.5;Quality:+0.9;Size:-0.1;Momentum:-0.7;LowVol:+0.6,MaxPos5%;NoDerivatives,5,30,6.1,trailing 9%,199,22.7,Volatile,26.7,5.26,2.3,156,12,49,69,true,Hedge,Buy index puts 1% notional,-1,4,BrokerC,LMT,91,VAR>budget,Hedge,Risk above budget threshold,95,13,227,3,false,Monitor dispersion and breadth
P0819,Opportunistic,Trust,USD,2024-11-02,1505887,60050,1445837,1.0,77.1,10.5,4.8,7.6,HYG:33.3%;VOO:33.3%;AMZN:33.3%,US:67.2;EU:13.5;APAC:10.2;EM:6.6;Other:2.5,Value:+0.9;Growth:-0.7;Quality:-0.5;Size:+0.1;Momentum:-0.9;LowVol:+0.4,,7,30,5.5,trailing 7%,229,31.6,Sideways,21.4,4.12,2.9,126,-17,30,72,false,Rebalance,Shift +1% to bonds from equity,24,-35,BrokerC,MKT,96,None,None,Normal monitoring,83,-28,133,3,false,Increase defensive factor exposure
P0820,Hands-off,Taxable,USD,2024-09-15,439975,35374,404601,1.0,62.4,24.6,4.8,8.3,IEF:25.0%;MSFT:25.0%;VNQ:25.0%;TSLA:25.0%,US:66.6;EU:14.8;APAC:6.3;EM:10.5;Other:1.7,Value:-0.9;Growth:-0.7;Quality:+0.1;Size:+0.8;Momentum:-0.6;LowVol:+0.1,ESGOnly;MaxPos7%;NoDerivatives,8,35,5.6,hard 10%,110,14.1,Volatile,25.9,3.56,2.8,124,4,51,66,false,Sell,Trim extended winner -1%,12,-10,BrokerB,MKT,91,None,None,Normal monitoring,-10,14,118,3,false,Monitor dispersion and breadth
P0821,Systematic,IRA,USD,2025-10-15,855837,69983,785854,1.0,68.3,20.1,5.1,6.4,MUB:13.8%;HYG:11.2%;VNQ:20.9%;AMZN:20.9%;MSFT:14.9%;TSLA:18.3%,US:59.9;EU:19.1;APAC:9.6;EM:7.9;Other:3.5,Value:+0.3;Growth:+0.1;Quality:+0.6;Size:+0.9;Momentum:+0.2;LowVol:-0.6,,10,30,4.9,hard 12%,224,26.1,Volatile,26.1,4.65,3.5,159,53,85,78,true,Reduce,"Cut high-beta by 2-3%, add cash",20,-39,BrokerA,VWAP,85,VAR>budget,Reduce,Risk above budget threshold,32,-30,94,5,false,Within IPS guidelines
P0822,Active,IRA,USD,2024-07-10,1929161,183290,1745871,1.0,54.2,30.8,8.5,6.5,QQQ:18.9%;GLD:7.1%;XLF:20.1%;HYG:14.4%;TLT:20.1%;AMZN:19.5%,US:58.1;EU:14.7;APAC:14.3;EM:11.8;Other:1.1,Value:-0.1;Growth:-0.5;Quality:+0.2;Size:-0.4;Momentum:-0.9;LowVol:-0.6,,5,30,4.8,trailing 9%,141,26.1,Bull,13.5,4.31,2.4,70,80,91,34,false,Buy,Add to core equity +1%,12,-10,BrokerB,LMT,85,None,None,Normal monitoring,-57,-31,2,4,false,Tax-aware sells next window
P0823,Cautious,Trust,USD,2025-01-19,794761,83580,711181,1.0,41.6,41.4,6.5,10.5,QQQ:21.3%;BND:21.3%;TLT:10.4%;HYG:7.4%;TSLA:18.3%;XLF:21.3%,US:62.1;EU:16.3;APAC:7.0;EM:11.3;Other:3.3,Value:+0.7;Growth:+0.7;Quality:-1.0;Size:-0.8;Momentum:-0.8;LowVol:-0.8,ESGOnly;NoMargin,6,35,3.7,trailing 8%,113,19.4,Bull,12.1,3.84,2.2,87,64,90,21,false,NoAction,Within bands; monitor,-15,-31,BrokerC,LMT,98,None,None,Normal monitoring,6,2,110,5,false,Within IPS guidelines
P0824,Opportunistic,Roth,USD,2025-04-29,626910,29821,597089,1.11,67.6,15.0,12.2,5.2,GLD:22.8%;AMZN:9.9%;VTI:16.4%;MSFT:21.2%;VNQ:13.9%;TLT:15.7%,US:75.8;EU:10.0;APAC:5.1;EM:7.6;Other:1.4,Value:+0.7;Growth:+0.1;Quality:-0.4;Size:-0.9;Momentum:+0.9;LowVol:-0.2,MaxPos7%;NoDerivatives,7,25,4.1,trailing 9%,239,31.9,Bull,12.0,3.7,2.1,117,98,88,48,false,Sell,Trim extended winner -1%,19,-34,BrokerB,MKT,95,None,None,Normal monitoring,36,-49,148,4,false,Increase defensive factor exposure
P0825,Active,IRA,USD,2024-11-14,882265,91442,790823,1.0,57.8,23.1,11.5,7.6,GLD:28.2%;MSFT:28.2%;MUB:19.7%;QQQ:23.8%,US:64.7;EU:6.4;APAC:14.7;EM:9.6;Other:4.7,Value:-0.2;Growth:+0.7;Quality:+0.7;Size:+0.3;Momentum:+0.8;LowVol:+0.6,,8,25,5.7,hard 12%,216,20.1,Bull,13.6,4.16,2.6,74,58,86,31,false,Sell,Trim extended winner -1%,32,-36,BrokerD,VWAP,93,None,None,Normal monitoring,-42,-14,0,5,false,Tighten stops on momentum names
P0826,Hands-off,401k,USD,2024-08-09,455858,21217,434641,1.0,68.7,25.7,0.0,5.6,BND:15.5%;HYG:28.2%;VOO:28.2%;IEF:28.2%,US:69.7;EU:9.5;APAC:7.6;EM:10.2;Other:2.9,Value:+0.7;Growth:+0.5;Quality:+0.1;Size:-0.7;Momentum:+0.3;LowVol:+0.8,ESGOnly;NoDerivatives,7,30,3.3,trailing 8%,123,19.2,Volatile,22.2,5.36,3.0,167,73,93,64,true,Hedge,Buy index puts 1% notional,19,4,BrokerC,MKT,87,Drift>tolerance,Reduce,Allocation drift beyond policy bands,94,-30,157,5,false,Within IPS guidelines
P0827,Hands-off,Trust,USD,2025-05-11,725680,56665,669015,1.0,67.6,17.3,9.2,5.9,AMZN:27.8%;TLT:17.4%;AAPL:27.8%;BRK.B:27.0%,US:68.2;EU:10.2;APAC:6.6;EM:11.9;Other:3.0,Value:+0.4;Growth:-0.8;Quality:+0.9;Size:-1.0;Momentum:-0.7;LowVol:+0.7,ESGOnly;NoDerivatives,5,30,5.1,trailing 8%,123,15.8,Bull,14.6,4.53,2.2,70,64,67,47,false,Sell,Trim extended winner -1%,25,-37,BrokerD,MKT,91,None,None,Normal monitoring,-10,-23,-17,3,false,Monitor dispersion and breadth
P0828,Hands-off,Trust,USD,2025-02-24,768115,65755,702360,1.0,64.6,29.0,0.3,6.1,BND:17.2%;AMZN:23.6%;AAPL:12.1%;HYG:23.6%;IEF:23.6%,US:62.6;EU:13.9;APAC:10.6;EM:12.1;Other:0.9,Value:+0.4;Growth:-0.9;Quality:-0.9;Size:+0.3;Momentum:+0.8;LowVol:-0.4,,8,35,4.7,hard 10%,100,16.4,Bull,14.8,4.27,2.3,103,66,74,42,false,Buy,Add to core equity +1%,-1,-28,BrokerB,LMT,89,None,None,Normal monitoring,-48,19,-24,4,false,Increase defensive factor exposure
P0829,Opportunistic,Roth,USD,2024-12-21,1667606,141953,1525653,1.0,73.9,11.8,9.9,4.4,MSFT:10.2%;GLD:22.9%;BRK.B:22.4%;TSLA:22.9%;VTI:21.6%,US:65.0;EU:11.0;APAC:11.1;EM:11.8;Other:1.2,Value:-0.6;Growth:+0.6;Quality:+0.5;Size:+0.7;Momentum:+0.3;LowVol:-0.3,,10,25,5.6,trailing 9%,231,24.0,Sideways,20.4,4.71,2.5,110,-4,37,56,false,Hedge,Add TLT +1% as duration hedge,14,-26,BrokerC,LMT,94,None,None,Normal monitoring,105,-18,150,3,false,Tax-aware sells next window
P0830,Hands-off,401k,USD,2024-09-19,321173,24811,296362,1.0,71.5,22.4,0.0,6.2,BND:20.4%;AMZN:22.5%;AAPL:12.1%;BRK.B:22.5%;TSLA:22.5%,US:65.2;EU:16.8;APAC:9.0;EM:5.0;Other:4.0,Value:-0.2;Growth:-0.5;Quality:+0.1;Size:-0.4;Momentum:+0.4;LowVol:-0.9,ESGOnly;NoDerivatives,5,35,3.6,trailing 8%,133,18.3,Volatile,30.0,3.99,3.6,111,40,66,75,true,Reduce,"Cut high-beta by 2-3%, add cash",6,-21,BrokerA,MKT,97,VAR>budget,Hedge,Risk above budget threshold,24,-18,76,5,true,Within IPS guidelines
P0831,Opportunistic,Roth,USD,2025-09-14,863448,68069,795379,1.17,76.2,18.7,0.0,5.1,QQQ:19.1%;VOO:17.7%;HYG:22.0%;TLT:22.0%;BRK.B:10.6%;BND:8.5%,US:70.6;EU:11.7;APAC:8.5;EM:8.9;Other:0.3,Value:+0.2;Growth:-0.3;Quality:+0.4;Size:+0.6;Momentum:-0.1;LowVol:-0.8,MaxPos6%,10,35,6.7,trailing 9%,231,20.2,Bull,15.3,4.85,3.2,87,90,100,58,false,Sell,Trim extended winner -1%,-5,2,BrokerA,VWAP,96,None,None,Normal monitoring,-31,-54,3,5,false,Tax-aware sells next window
P0832,Cautious,Taxable,USD,2024-09-18,195344,28958,166386,1.0,36.4,33.0,16.9,13.7,XLF:22.9%;HYG:16.2%;VTI:17.9%;IEF:22.9%;AAPL:20.1%,US:70.6;EU:14.2;APAC:7.5;EM:7.4;Other:0.2,Value:+0.6;Growth:+0.7;Quality:-0.0;Size:+0.6;Momentum:+0.7;LowVol:+0.8,MaxPos7%;NoMargin,6,35,5.5,trailing 8%,165,19.7,Sideways,16.5,4.48,3.3,119,41,79,28,false,Sell,Trim extended winner -1%,-8,-22,BrokerD,MKT,95,None,None,Normal monitoring,4,-19,87,5,false,Monitor dispersion and breadth
P0833,Systematic,Taxable,USD,2025-05-01,1143062,98271,1044791,1.0,57.9,23.4,11.7,7.0,QQQ:23.7%;AMZN:19.2%;XLF:23.7%;GLD:9.8%;VTI:23.7%,US:55.1;EU:15.1;APAC:14.0;EM:11.8;Other:3.9,Value:-0.2;Growth:+1.0;Quality:-0.2;Size:+0.8;Momentum:+0.5;LowVol:+0.3,NoDerivatives,6,35,4.2,trailing 9%,130,20.6,Sideways,17.8,4.24,2.6,90,48,87,40,false,Hedge,Add TLT +1% as duration hedge,24,-3,BrokerC,LMT,94,None,None,Normal monitoring,-45,-42,-54,4,false,Increase defensive factor exposure
P0834,Active,Taxable,USD,2024-12-04,2475455,267376,2208079,1.12,52.8,18.5,20.6,8.1,BND:23.6%;AAPL:19.7%;VOO:28.4%;MUB:28.4%,US:61.3;EU:19.1;APAC:9.7;EM:5.9;Other:4.1,Value:-0.6;Growth:+0.3;Quality:-0.9;Size:-0.5;Momentum:+0.4;LowVol:-0.5,MaxPos5%,10,30,5.0,trailing 8%,225,26.6,Sideways,14.0,4.39,3.5,139,-10,48,30,false,Buy,Add to core equity +1%,3,-16,BrokerD,MKT,99,None,None,Normal monitoring,34,10,12,3,false,Tighten stops on momentum names
P0835,Active,IRA,USD,2025-03-29,1366020,85297,1280723,1.0,59.6,20.7,11.5,8.2,XLF:30.4%;MSFT:20.5%;HYG:18.7%;TSLA:30.4%,US:73.0;EU:9.0;APAC:9.5;EM:6.6;Other:2.0,Value:-0.9;Growth:+0.4;Quality:+0.6;Size:-0.8;Momentum:-0.6;LowVol:+0.8,NoDerivatives,10,25,5.9,hard 12%,196,21.8,Bear,24.8,3.36,2.8,175,36,67,74,true,Rebalance,Rebalance back to target bands,1,14,BrokerA,MKT,99,RegimeShift,Reduce,Volatility spike and breadth deterioration,89,-39,107,5,false,Monitor dispersion and breadth
P0836,Hands-off,Taxable,USD,2025-06-28,892546,81278,811268,1.0,57.1,26.2,8.3,8.4,AAPL:33.3%;TSLA:33.3%;VTI:33.3%,US:68.1;EU:10.0;APAC:12.4;EM:6.6;Other:3.0,Value:+0.8;Growth:0.0;Quality:+0.8;Size:-0.8;Momentum:0.0;LowVol:+0.4,ESGOnly;MaxPos7%,5,25,3.6,trailing 10%,124,14.0,Bull,16.3,4.8,3.1,93,27,63,41,false,Buy,Add to core equity +1%,-13,-24,BrokerD,LMT,87,None,None,Normal monitoring,64,-59,184,5,false,Tighten stops on momentum names
P0837,Opportunistic,Trust,USD,2025-01-17,614777,42233,572544,1.11,68.1,15.8,8.3,7.8,MSFT:33.3%;BND:33.3%;GLD:33.3%,US:61.4;EU:12.0;APAC:10.6;EM:11.9;Other:4.0,Value:-0.7;Growth:+0.9;Quality:0.0;Size:+0.3;Momentum:-0.1;LowVol:+0.9,,5,25,6.2,trailing 9%,267,34.0,Bull,13.3,4.39,3.5,89,108,100,39,false,NoAction,Within bands; monitor,-3,12,BrokerC,VWAP,89,None,None,Normal monitoring,44,-17,119,3,false,Within IPS guidelines
P0838,Hands-off,Trust,USD,2024-10-05,728070,61847,666223,1.0,66.3,26.9,1.1,5.7,MUB:25.0%;AAPL:18.7%;IEF:25.0%;MSFT:14.0%;VTI:17.2%,US:69.6;EU:16.2;APAC:5.4;EM:4.8;Other:4.0,Value:+0.8;Growth:+0.6;Quality:+0.6;Size:+0.8;Momentum:-0.4;LowVol:+0.9,NoDerivatives,5,30,6.0,hard 10%,152,19.9,Volatile,26.3,4.4,3.8,136,80,88,68,false,Rebalance,Shift +1% to bonds from equity,-8,-1,BrokerA,MKT,91,None,None,Normal monitoring,-60,-42,6,3,false,Increase defensive factor exposure
P0839,Opportunistic,Trust,USD,2025-05-05,1796593,107585,1689008,1.0,63.2,18.8,10.0,7.9,VNQ:31.4%;TLT:34.3%;IEF:34.3%,US:66.3;EU:12.3;APAC:8.4;EM:10.3;Other:2.8,Value:-0.9;Growth:-0.4;Quality:+0.6;Size:-0.1;Momentum:+0.9;LowVol:-0.7,NoDerivatives,7,25,5.6,hard 12%,232,22.5,Bull,15.5,4.34,3.0,73,88,89,45,false,Rebalance,Shift +1% to bonds from equity,30,-23,BrokerA,VWAP,94,None,None,Normal monitoring,-10,-33,-46,4,false,Within IPS guidelines
P0840,Active,401k,USD,2025-06-23,987002,81891,905111,1.0,64.7,22.8,6.3,6.2,IEF:10.0%;BND:20.9%;XLF:12.6%;AAPL:21.2%;AMZN:14.1%;VOO:21.2%,US:69.0;EU:9.7;APAC:12.3;EM:6.0;Other:3.0,Value:-0.1;Growth:0.0;Quality:+0.2;Size:-0.7;Momentum:-0.7;LowVol:+0.4,,7,35,5.8,trailing 9%,222,27.5,Bear,26.5,3.11,2.9,185,-71,5,71,true,Hedge,Buy index puts 1% notional,6,-7,BrokerC,MKT,99,VAR>budget,Reduce,Risk above budget threshold,40,-22,55,5,false,Increase defensive factor exposure
P0841,Hands-off,IRA,USD,2025-02-20,346557,26648,319909,1.0,69.8,19.6,1.5,9.1,IEF:22.3%;VTI:17.7%;XLF:17.1%;BRK.B:22.3%;VOO:20.6%,US:64.8;EU:13.1;APAC:8.6;EM:11.8;Other:1.7,Value:+0.8;Growth:-0.9;Quality:-0.6;Size:-0.1;Momentum:0.0;LowVol:-0.1,,6,25,4.7,trailing 10%,120,19.5,Volatile,21.8,3.97,4.0,138,76,86,59,true,Hedge,Buy index puts 1% notional,9,2,BrokerD,MKT,100,VAR>budget,Hedge,Risk above budget threshold,-49,9,24,3,false,Increase defensive factor exposure
P0842,Hands-off,Roth,USD,2025-01-20,577249,43038,534211,1.0,55.0,17.8,17.9,9.2,VOO:23.8%;TSLA:15.8%;MSFT:23.8%;QQQ:10.4%;BND:15.4%;MUB:10.8%,US:60.0;EU:18.6;APAC:11.7;EM:5.7;Other:4.1,Value:-0.7;Growth:+0.4;Quality:-0.4;Size:-0.5;Momentum:-0.4;LowVol:+0.9,ESGOnly;NoDerivatives,5,30,4.6,trailing 8%,110,17.3,Sideways,19.4,3.61,2.1,112,-24,39,44,false,Buy,Add to core equity +1%,20,14,BrokerC,VWAP,97,None,None,Normal monitoring,44,8,105,5,false,Increase defensive factor exposure
P0843,Systematic,Roth,USD,2025-03-02,850239,79279,770960,1.0,59.5,27.1,4.6,8.8,AAPL:27.7%;HYG:36.2%;BND:36.2%,US:57.9;EU:18.4;APAC:13.7;EM:7.6;Other:2.4,Value:-0.1;Growth:-0.7;Quality:-0.5;Size:-0.1;Momentum:+0.8;LowVol:-0.5,,8,30,5.4,trailing 9%,142,26.9,Bear,22.5,3.63,1.6,177,-94,10,56,false,Buy,Add to core equity +1%,-8,1,BrokerA,VWAP,97,None,None,Normal monitoring,93,9,114,5,false,Tax-aware sells next window
P0844,Systematic,401k,USD,2025-08-05,931950,73998,857952,1.0,66.1,23.5,3.9,6.5,AMZN:26.7%;HYG:26.7%;VNQ:19.8%;GLD:26.7%,US:63.8;EU:18.6;APAC:5.3;EM:10.0;Other:2.3,Value:+0.5;Growth:+0.5;Quality:-1.0;Size:+0.1;Momentum:-0.4;LowVol:-0.8,,6,25,4.9,trailing 8%,180,24.0,Volatile,21.8,4.86,2.6,142,-57,28,70,false,Hedge,Add TLT +1% as duration hedge,4,-23,BrokerC,MKT,100,None,None,Normal monitoring,-24,6,-37,5,false,Tighten stops on momentum names
P0845,Hands-off,Trust,USD,2025-09-13,611347,60349,550998,1.0,65.2,29.1,0.0,5.7,AMZN:19.1%;XLF:29.7%;QQQ:21.6%;MUB:29.7%,US:67.5;EU:17.6;APAC:11.4;EM:3.3;Other:0.2,Value:-0.3;Growth:-0.3;Quality:+0.2;Size:-0.3;Momentum:-0.0;LowVol:-0.5,,6,30,4.0,trailing 10%,154,15.3,Volatile,28.9,4.72,3.5,110,24,50,74,true,Hedge,Buy index puts 1% notional,30,-39,BrokerD,MKT,100,Drift>tolerance,Pause,Allocation drift beyond policy bands,93,0,189,4,false,Tax-aware sells next window
P0846,Systematic,Trust,USD,2025-03-15,1872559,89455,1783104,1.0,66.0,24.7,0.0,9.3,MUB:27.0%;TLT:19.0%;VTI:27.0%;AAPL:27.0%,US:64.9;EU:19.2;APAC:7.4;EM:5.0;Other:3.5,Value:-0.7;Growth:-0.5;Quality:+0.1;Size:+0.2;Momentum:+0.8;LowVol:-0.9,NoDerivatives,10,25,5.9,trailing 8%,142,26.2,Bull,11.2,4.95,2.4,77,92,96,44,true,Hedge,Buy index puts 1% notional,25,-7,BrokerA,VWAP,98,VAR>budget,Reduce,Risk above budget threshold,14,-53,24,5,false,Tighten stops on momentum names
P0847,Opportunistic,Taxable,USD,2025-05-14,1030151,41326,988825,1.0,70.3,11.5,12.9,5.3,XLF:16.9%;QQQ:20.2%;IEF:17.2%;VNQ:19.8%;VTI:11.2%;VOO:14.7%,US:65.7;EU:17.6;APAC:5.4;EM:10.8;Other:0.5,Value:+0.3;Growth:+0.3;Quality:-0.5;Size:+0.9;Momentum:0.0;LowVol:+0.2,NoDerivatives,6,35,5.9,trailing 7%,252,26.2,Volatile,22.4,5.41,4.0,120,17,48,76,true,Hedge,Buy index puts 1% notional,21,-18,BrokerC,VWAP,96,RegimeShift,Reduce,Volatility spike and breadth deterioration,29,-36,45,3,false,Within IPS guidelines
P0848,Hands-off,Roth,USD,2025-07-20,537154,24515,512639,1.0,69.7,22.2,0.9,7.2,VTI:28.4%;BND:21.4%;VOO:28.4%;QQQ:21.8%,US:63.8;EU:18.5;APAC:9.1;EM:5.1;Other:3.5,Value:+0.5;Growth:+0.5;Quality:-0.6;Size:+0.5;Momentum:-0.2;LowVol:+0.3,ESGOnly;NoDerivatives,6,25,3.2,trailing 8%,128,19.3,Sideways,20.2,4.93,3.2,123,-21,40,69,false,Rebalance,Shift +1% to bonds from equity,-1,-8,BrokerA,LMT,87,None,None,Normal monitoring,66,-52,137,5,false,Increase defensive factor exposure
P0849,Systematic,Taxable,USD,2024-08-14,772821,66791,706030,1.0,67.7,24.0,0.0,8.3,HYG:25.8%;AMZN:24.0%;TLT:25.8%;GLD:24.3%,US:52.7;EU:19.3;APAC:13.7;EM:11.8;Other:2.5,Value:+0.7;Growth:+0.7;Quality:-0.9;Size:-0.9;Momentum:+0.2;LowVol:+0.2,,6,35,5.6,trailing 8%,216,21.9,Bull,16.2,4.0,3.2,113,69,95,53,true,Reduce,"Cut high-beta by 2-3%, add cash",33,-24,BrokerA,MKT,86,Drift>tolerance,Hedge,Allocation drift beyond policy bands,22,-24,30,3,false,Tax-aware sells next window
P0850,Cautious,Trust,USD,2024-12-05,845439,90528,754911,1.0,39.4,41.6,4.3,14.7,TSLA:22.0%;AAPL:14.0%;GLD:22.0%;AMZN:22.0%;BND:20.0%,US:66.1;EU:11.9;APAC:16.9;EM:5.0;Other:0.2,Value:-0.6;Growth:+0.1;Quality:-1.0;Size:+0.6;Momentum:+0.2;LowVol:-0.7,NoMargin,7,30,5.0,hard 10%,132,16.7,Volatile,21.8,4.89,3.1,120,27,75,47,false,Sell,Trim extended winner -1%,13,15,BrokerB,MKT,89,None,None,Normal monitoring,29,-13,108,5,false,Tighten stops on momentum names
P0851,Hands-off,Trust,USD,2024-08-22,157375,12269,145106,1.0,61.0,17.3,14.7,6.9,MUB:33.3%;IEF:33.3%;XLF:33.3%,US:61.5;EU:16.5;APAC:11.5;EM:7.4;Other:3.1,Value:-0.2;Growth:-0.8;Quality:+0.8;Size:-0.7;Momentum:-0.5;LowVol:-0.4,ESGOnly;MaxPos7%,8,30,3.8,trailing 10%,137,14.7,Sideways,20.6,3.58,2.8,123,24,62,56,false,Sell,Trim extended winner -1%,16,14,BrokerB,LMT,96,None,None,Normal monitoring,35,-38,3,3,false,Within IPS guidelines
P0852,Hands-off,Taxable,USD,2024-09-10,895318,84211,811107,1.0,68.4,25.7,0.0,5.9,TLT:29.6%;VNQ:29.6%;IEF:14.6%;XLF:26.2%,US:70.4;EU:5.8;APAC:9.3;EM:10.1;Other:4.3,Value:+0.9;Growth:-0.0;Quality:-0.4;Size:-0.5;Momentum:-0.8;LowVol:-0.3,ESGOnly,6,25,5.8,trailing 8%,118,18.3,Bull,12.6,4.56,2.0,102,79,92,54,false,Rebalance,Shift +1% to bonds from equity,35,-9,BrokerD,LMT,96,None,None,Normal monitoring,95,-7,201,3,false,Increase defensive factor exposure
P0853,Active,Trust,USD,2024-12-15,2353191,197789,2155402,1.24,61.5,29.8,0.0,8.7,BRK.B:34.8%;IEF:34.8%;TLT:30.3%,US:60.8;EU:11.4;APAC:13.6;EM:13.6;Other:0.6,Value:-0.6;Growth:+0.8;Quality:-0.0;Size:+0.2;Momentum:-0.2;LowVol:-0.3,,5,25,5.7,trailing 8%,178,20.0,Volatile,20.6,3.52,3.5,126,45,85,58,false,Buy,Add to core equity +1%,22,-17,BrokerC,MKT,89,None,None,Normal monitoring,57,-22,120,3,false,Tax-aware sells next window
P0854,Systematic,Trust,USD,2025-03-15,1668764,104087,1564677,1.0,68.4,24.3,0.0,7.3,GLD:22.8%;AMZN:22.8%;MSFT:9.2%;HYG:22.8%;BRK.B:22.5%,US:75.0;EU:6.5;APAC:12.2;EM:4.4;Other:2.0,Value:-0.6;Growth:-0.8;Quality:-0.8;Size:-1.0;Momentum:-0.4;LowVol:-0.3,MaxPos7%,10,25,4.6,trailing 9%,175,16.2,Bear,29.9,3.15,1.3,214,-19,47,81,true,Reduce,"Cut high-beta by 2-3%, add cash",30,-34,BrokerB,LMT,96,Drift>tolerance,Reduce,Allocation drift beyond policy bands,4,-37,-9,5,false,Increase defensive factor exposure
P0855,Active,Taxable,USD,2025-05-02,600412,60836,539576,1.0,53.0,24.9,15.5,6.7,BND:21.7%;VNQ:21.7%;QQQ:21.7%;MUB:21.7%;AAPL:13.2%,US:63.3;EU:10.3;APAC:12.7;EM:10.9;Other:2.8,Value:+0.1;Growth:-0.2;Quality:+0.3;Size:+0.9;Momentum:-0.9;LowVol:-0.3,NoDerivatives,10,25,5.6,trailing 9%,190,23.2,Sideways,17.0,4.26,2.9,99,-2,37,42,false,Buy,Add to core equity +1%,12,-20,BrokerD,LMT,91,None,None,Normal monitoring,-22,-32,38,4,false,Tax-aware sells next window
P0856,Cautious,Roth,USD,2024-07-19,576896,72966,503930,1.0,42.4,31.5,13.5,12.6,BRK.B:36.3%;QQQ:36.3%;XLF:27.3%,US:58.5;EU:13.7;APAC:14.2;EM:12.2;Other:1.4,Value:+0.4;Growth:-0.2;Quality:+0.6;Size:-0.1;Momentum:+0.7;LowVol:+0.1,MaxPos6%;NoMargin,7,25,4.7,hard 10%,147,19.6,Bear,33.6,3.64,1.9,210,-98,5,73,true,Reduce,"Cut high-beta by 2-3%, add cash",29,-31,BrokerA,VWAP,94,RegimeShift,Reduce,Volatility spike and breadth deterioration,109,-44,175,3,false,Tighten stops on momentum names
P0857,Systematic,Taxable,USD,2024-08-17,1311601,112735,1198866,1.0,60.7,26.8,7.5,5.0,TSLA:33.3%;VOO:33.3%;TLT:33.3%,US:63.0;EU:14.2;APAC:13.0;EM:7.2;Other:2.7,Value:+0.5;Growth:+0.1;Quality:-0.6;Size:-0.7;Momentum:+0.5;LowVol:+0.9,MaxPos6%;NoDerivatives,10,25,5.8,hard 12%,219,23.3,Sideways,15.3,4.65,2.5,119,39,84,41,false,Sell,Trim extended winner -1%,15,14,BrokerC,LMT,89,None,None,Normal monitoring,75,17,94,5,false,Monitor dispersion and breadth
P0858,Cautious,IRA,USD,2025-10-29,345308,52112,293196,1.0,39.6,34.8,9.0,16.6,VOO:13.0%;VTI:29.0%;AMZN:29.0%;XLF:29.0%,US:72.1;EU:11.0;APAC:12.5;EM:3.6;Other:0.8,Value:-0.8;Growth:-0.4;Quality:+0.4;Size:-0.2;Momentum:+0.6;LowVol:+0.4,ESGOnly;NoDerivatives;NoMargin,5,25,4.5,trailing 8%,146,14.9,Volatile,21.9,5.0,3.1,139,-55,27,51,false,Sell,Trim extended winner -1%,3,-18,BrokerA,MKT,89,None,None,Normal monitoring,-30,-21,-38,3,false,Increase defensive factor exposure
P0859,Hands-off,Roth,USD,2024-09-09,768860,56737,712123,1.0,64.6,28.2,0.6,6.6,IEF:18.7%;AMZN:16.6%;TSLA:21.6%;TLT:21.6%;AAPL:21.6%,US:72.3;EU:13.1;APAC:7.7;EM:6.8;Other:0.1,Value:-0.5;Growth:+0.4;Quality:+0.6;Size:-0.9;Momentum:+0.8;LowVol:+0.9,ESGOnly,6,30,4.8,hard 10%,151,17.6,Volatile,22.1,4.41,3.2,180,-40,28,71,true,Hedge,Buy index puts 1% notional,15,-20,BrokerD,MKT,100,Drift>tolerance,Hedge,Allocation drift beyond policy bands,112,-44,90,2,false,Increase defensive factor exposure
P0860,Systematic,Trust,USD,2024-10-11,890271,81927,808344,1.0,65.3,25.4,0.0,9.3,QQQ:16.4%;GLD:18.3%;BND:25.1%;AAPL:25.1%;AMZN:15.1%,US:60.9;EU:19.8;APAC:8.9;EM:7.5;Other:2.9,Value:0.0;Growth:+0.2;Quality:-0.7;Size:-0.7;Momentum:-0.4;LowVol:+0.4,NoDerivatives,5,30,5.0,trailing 9%,163,17.4,Volatile,30.6,4.16,2.9,114,46,82,73,true,Hedge,Buy index puts 1% notional,4,-37,BrokerC,LMT,91,Drift>tolerance,Reduce,Allocation drift beyond policy bands,80,-37,177,2,false,Tighten stops on momentum names
P0861,Cautious,401k,USD,2025-07-01,151392,14425,136967,1.0,52.2,30.1,3.9,13.8,BND:33.3%;IEF:33.3%;XLF:33.3%,US:73.4;EU:7.4;APAC:9.8;EM:9.2;Other:0.1,Value:-0.7;Growth:-0.1;Quality:+0.1;Size:-0.0;Momentum:+0.6;LowVol:-0.9,NoMargin,8,30,3.9,trailing 8%,108,16.2,Volatile,24.8,4.89,2.7,154,2,41,60,false,Buy,Add to core equity +1%,17,-4,BrokerA,VWAP,89,None,None,Normal monitoring,-33,-48,41,3,false,Tighten stops on momentum names
P0862,Opportunistic,IRA,USD,2025-08-16,1197855,71931,1125924,1.0,67.2,14.4,9.8,8.6,VTI:22.3%;XLF:22.3%;HYG:22.3%;VNQ:18.6%;MSFT:14.5%,US:69.4;EU:8.3;APAC:12.8;EM:7.5;Other:2.1,Value:-0.4;Growth:-0.3;Quality:+0.2;Size:-0.9;Momentum:+0.7;LowVol:-0.3,MaxPos6%,10,25,6.4,hard 12%,219,30.8,Sideways,14.8,4.13,2.3,108,55,84,59,false,Rebalance,Shift +1% to bonds from equity,0,8,BrokerA,MKT,95,None,None,Normal monitoring,104,-17,182,4,false,Within IPS guidelines
P0863,Cautious,Trust,USD,2024-07-27,367042,44877,322165,1.0,42.6,30.9,13.5,13.1,IEF:14.9%;BND:22.8%;QQQ:16.8%;VTI:22.8%;TSLA:22.8%,US:65.5;EU:7.8;APAC:8.9;EM:11.5;Other:6.3,Value:+0.5;Growth:+0.7;Quality:+0.6;Size:+0.9;Momentum:+0.9;LowVol:+1.0,NoMargin,7,35,4.1,hard 10%,150,14.0,Volatile,21.2,3.93,2.7,141,48,81,44,false,Hedge,Add TLT +1% as duration hedge,31,-21,BrokerD,LMT,93,None,None,Normal monitoring,-23,-2,-36,3,false,Increase defensive factor exposure
P0864,Active,Roth,USD,2025-10-29,1946294,231146,1715148,1.0,55.5,25.6,10.9,7.9,VTI:15.7%;VOO:21.0%;AMZN:25.0%;MSFT:13.2%;VNQ:25.0%,US:65.5;EU:10.3;APAC:15.5;EM:7.5;Other:1.3,Value:-0.5;Growth:-0.2;Quality:0.0;Size:-0.9;Momentum:-0.4;LowVol:-0.7,MaxPos5%,7,25,5.6,trailing 9%,187,23.2,Sideways,21.3,3.59,3.3,120,25,61,50,false,Rebalance,Shift +1% to bonds from equity,25,12,BrokerB,VWAP,89,None,None,Normal monitoring,-51,-14,5,3,false,Increase defensive factor exposure
P0865,Cautious,IRA,USD,2025-06-30,498891,74106,424785,1.0,45.1,31.6,7.7,15.7,TLT:22.5%;AAPL:22.5%;AMZN:12.3%;BND:13.9%;XLF:16.4%;VNQ:12.3%,US:68.4;EU:8.7;APAC:7.4;EM:14.7;Other:0.8,Value:-0.3;Growth:+0.8;Quality:-0.6;Size:-0.9;Momentum:+0.9;LowVol:-0.1,NoMargin,6,30,5.1,trailing 8%,127,19.9,Sideways,21.5,4.56,2.2,108,23,50,59,false,Hedge,Add TLT +1% as duration hedge,-7,-33,BrokerD,LMT,96,None,None,Normal monitoring,114,-14,188,3,false,Within IPS guidelines
P0866,Hands-off,401k,USD,2024-08-12,187111,12184,174927,1.0,60.6,24.9,7.1,7.5,AAPL:10.2%;BRK.B:22.4%;VTI:11.4%;BND:17.3%;AMZN:22.4%;TSLA:16.3%,US:70.2;EU:9.6;APAC:9.6;EM:6.3;Other:4.3,Value:+0.3;Growth:+0.3;Quality:-0.1;Size:+0.9;Momentum:-0.6;LowVol:-0.8,ESGOnly,6,35,3.6,trailing 8%,166,16.7,Volatile,22.8,3.55,4.4,153,-29,48,67,false,Rebalance,Shift +1% to bonds from equity,35,-6,BrokerA,LMT,88,None,None,Normal monitoring,10,-48,3,5,false,Monitor dispersion and breadth
P0867,Hands-off,Trust,USD,2025-02-14,546601,31445,515156,1.0,66.8,17.0,10.1,6.1,MUB:25.7%;AMZN:23.0%;TSLA:25.7%;AAPL:25.7%,US:72.5;EU:12.0;APAC:5.9;EM:5.9;Other:3.6,Value:-0.7;Growth:+0.7;Quality:+0.9;Size:-0.6;Momentum:+0.1;LowVol:+0.9,ESGOnly;MaxPos5%;NoDerivatives,10,25,4.9,trailing 8%,164,19.2,Bull,17.9,3.88,2.6,110,82,78,56,false,Sell,Trim extended winner -1%,24,-6,BrokerA,MKT,90,None,None,Normal monitoring,63,-16,172,4,false,Tax-aware sells next window
P0868,Cautious,Trust,USD,2024-11-10,309111,40029,269082,1.0,47.8,41.8,0.0,10.4,AAPL:20.1%;VNQ:30.0%;VOO:30.0%;MSFT:19.9%,US:67.8;EU:13.2;APAC:10.4;EM:6.4;Other:2.2,Value:-0.7;Growth:-0.3;Quality:+0.7;Size:-1.0;Momentum:+0.6;LowVol:-0.6,NoMargin,10,25,5.7,trailing 8%,96,14.4,Volatile,24.7,4.1,3.3,126,36,61,54,false,Hedge,Add TLT +1% as duration hedge,2,-18,BrokerB,MKT,97,None,None,Normal monitoring,97,-4,217,5,false,Increase defensive factor exposure
P0869,Hands-off,IRA,USD,2025-12-21,711434,30524,680910,1.0,56.4,26.4,9.4,7.8,TLT:22.1%;BRK.B:22.1%;TSLA:13.2%;GLD:7.7%;BND:22.1%;QQQ:12.8%,US:59.4;EU:19.1;APAC:9.0;EM:10.5;Other:1.9,Value:+0.9;Growth:-0.1;Quality:+0.5;Size:-0.1;Momentum:+0.6;LowVol:-0.0,ESGOnly;MaxPos6%;NoDerivatives,8,30,3.2,trailing 8%,158,19.5,Sideways,17.2,4.36,2.2,95,55,90,42,false,Rebalance,Shift +1% to bonds from equity,30,-40,BrokerC,LMT,94,None,None,Normal monitoring,-44,-54,38,5,false,Increase defensive factor exposure
P0870,Hands-off,Trust,USD,2025-05-14,202976,19644,183332,1.0,59.3,21.3,10.4,8.9,TSLA:12.7%;AMZN:23.2%;QQQ:23.2%;HYG:23.2%;XLF:7.8%;TLT:9.8%,US:69.9;EU:14.1;APAC:5.5;EM:9.6;Other:0.9,Value:+0.5;Growth:+0.8;Quality:+0.7;Size:-0.5;Momentum:0.0;LowVol:-1.0,MaxPos5%,6,35,5.8,trailing 8%,144,19.0,Bull,13.3,3.6,2.4,70,79,93,48,false,NoAction,Within bands; monitor,0,4,BrokerA,MKT,0,None,None,Normal monitoring,19,-35,30,5,false,Tax-aware sells next window
P0871,Cautious,Roth,USD,2025-09-21,400017,33995,366022,1.0,35.7,36.1,10.4,17.8,VTI:15.2%;TSLA:25.4%;GLD:25.4%;VNQ:15.2%;BND:18.8%,US:62.3;EU:18.4;APAC:10.0;EM:8.8;Other:0.5,Value:-0.5;Growth:+0.9;Quality:-0.7;Size:+0.6;Momentum:-0.7;LowVol:-0.6,ESGOnly;MaxPos6%;NoMargin,5,30,5.5,hard 10%,154,12.2,Volatile,25.6,5.05,3.7,147,-56,25,52,false,Sell,Trim extended winner -1%,7,-32,BrokerC,MKT,87,None,None,Normal monitoring,54,-42,37,3,false,Increase defensive factor exposure
P0872,Cautious,Trust,USD,2024-11-12,730017,112683,617334,1.0,41.8,35.7,7.3,15.3,AAPL:25.9%;QQQ:25.9%;BRK.B:22.3%;AMZN:25.9%,US:66.7;EU:5.2;APAC:13.1;EM:10.7;Other:4.3,Value:-0.0;Growth:+0.8;Quality:-0.2;Size:-0.3;Momentum:+0.3;LowVol:+1.0,ESGOnly;NoMargin,5,30,5.9,trailing 8%,124,13.9,Bull,12.7,3.84,2.9,75,57,93,37,false,Buy,Add to core equity +1%,-2,7,BrokerC,MKT,91,None,None,Normal monitoring,-32,-31,-60,4,false,Increase defensive factor exposure
P0873,Opportunistic,IRA,USD,2024-10-12,808207,43061,765146,1.0,71.0,20.6,2.3,6.0,BRK.B:21.2%;AAPL:19.7%;BND:17.6%;TLT:16.4%;VTI:9.2%;VNQ:15.8%,US:73.6;EU:9.3;APAC:9.0;EM:6.2;Other:1.8,Value:+0.3;Growth:-0.0;Quality:-0.7;Size:+0.5;Momentum:+0.1;LowVol:-1.0,MaxPos7%;NoDerivatives,5,30,4.7,hard 12%,189,23.1,Volatile,24.4,4.43,4.2,140,-33,24,64,true,Reduce,"Cut high-beta by 2-3%, add cash",12,-3,BrokerD,LMT,93,RegimeShift,Pause,Volatility spike and breadth deterioration,-19,-37,-6,2,false,Increase defensive factor exposure
P0874,Hands-off,Roth,USD,2025-03-17,420545,21375,399170,1.0,69.4,23.8,0.0,6.7,GLD:20.7%;VTI:14.9%;TSLA:17.0%;HYG:12.4%;MSFT:17.3%;BND:17.7%,US:67.9;EU:16.6;APAC:8.6;EM:3.8;Other:3.2,Value:-0.2;Growth:-0.5;Quality:+0.3;Size:-1.0;Momentum:-0.4;LowVol:-0.0,MaxPos7%;NoDerivatives,7,30,5.2,trailing 10%,151,12.1,Sideways,20.8,3.68,2.3,120,37,70,61,false,NoAction,Within bands; monitor,-2,-4,BrokerA,LMT,92,None,None,Normal monitoring,48,-1,144,4,false,Tax-aware sells next window
P0875,Systematic,Taxable,USD,2025-03-05,942083,50737,891346,1.0,59.7,31.6,0.0,8.7,XLF:24.3%;TSLA:24.3%;VOO:24.3%;GLD:15.2%;VNQ:11.9%,US:67.1;EU:9.6;APAC:14.2;EM:5.7;Other:3.4,Value:+0.2;Growth:-0.2;Quality:-0.9;Size:+0.1;Momentum:+0.2;LowVol:-0.6,,6,30,4.3,hard 12%,228,26.5,Bear,23.3,4.37,2.9,212,39,59,72,true,Rebalance,Rebalance back to target bands,10,8,BrokerA,VWAP,97,VAR>budget,Reduce,Risk above budget threshold,81,-42,41,5,false,Tax-aware sells next window
P0876,Opportunistic,IRA,USD,2024-12-02,1257696,107496,1150200,1.0,77.0,13.4,2.5,7.1,BND:23.5%;AMZN:23.5%;XLF:14.5%;VNQ:14.9%;QQQ:23.5%,US:64.2;EU:13.5;APAC:10.5;EM:10.2;Other:1.6,Value:-0.7;Growth:+0.6;Quality:+0.2;Size:-0.4;Momentum:+0.5;LowVol:-0.4,NoDerivatives,10,35,6.0,hard 12%,195,34.6,Bull,14.1,4.92,2.9,72,117,100,53,false,Rebalance,Shift +1% to bonds from equity,-9,-31,BrokerB,MKT,87,None,None,Normal monitoring,8,-7,35,5,false,Monitor dispersion and breadth
P0877,Cautious,IRA,USD,2025-07-01,350943,41098,309845,1.0,39.3,43.2,0.0,17.5,VTI:20.7%;XLF:11.8%;MUB:11.4%;GLD:15.5%;IEF:19.9%;BND:20.7%,US:63.8;EU:13.8;APAC:15.2;EM:6.8;Other:0.5,Value:+0.9;Growth:+0.5;Quality:-0.9;Size:-0.1;Momentum:-0.9;LowVol:-0.6,ESGOnly;NoDerivatives;NoMargin,10,35,3.5,trailing 8%,95,18.5,Volatile,24.5,4.92,3.2,150,-34,32,44,false,Hedge,Add TLT +1% as duration hedge,1,-21,BrokerA,MKT,100,None,None,Normal monitoring,86,-36,147,4,false,Within IPS guidelines
P0878,Hands-off,401k,USD,2025-04-08,720750,34898,685852,1.0,72.7,15.5,6.5,5.3,XLF:33.3%;TLT:33.3%;TSLA:33.3%,US:64.1;EU:10.6;APAC:10.8;EM:10.4;Other:4.0,Value:-0.5;Growth:-0.7;Quality:-0.6;Size:+0.2;Momentum:+0.9;LowVol:-0.8,,6,25,3.6,trailing 10%,92,17.1,Bear,31.7,3.34,2.4,153,-100,5,83,true,Rebalance,Rebalance back to target bands,8,4,BrokerC,LMT,87,VAR>budget,Hedge,Risk above budget threshold,104,-48,147,2,true,Tax-aware sells next window
P0879,Hands-off,IRA,USD,2024-12-15,667763,55812,611951,1.0,55.6,22.4,13.7,8.3,HYG:37.7%;MSFT:37.7%;VOO:24.7%,US:55.5;EU:20.0;APAC:10.4;EM:12.4;Other:1.8,Value:-0.7;Growth:-1.0;Quality:+0.9;Size:-0.9;Momentum:-0.8;LowVol:-1.0,ESGOnly,10,35,3.8,trailing 10%,151,19.6,Bull,15.6,4.83,2.3,102,21,53,40,false,Sell,Trim extended winner -1%,-11,-27,BrokerA,LMT,91,None,None,Normal monitoring,64,9,174,3,false,Monitor dispersion and breadth
P0880,Systematic,401k,USD,2025-11-28,1043312,48335,994977,1.0,57.6,25.4,7.6,9.4,VOO:20.4%;VTI:19.7%;GLD:15.4%;IEF:22.3%;MUB:22.3%,US:62.5;EU:16.4;APAC:13.3;EM:7.0;Other:0.9,Value:-0.1;Growth:-0.8;Quality:-1.0;Size:+0.5;Momentum:-0.1;LowVol:+0.6,,6,35,5.1,trailing 8%,212,19.0,Volatile,23.5,4.19,2.9,143,19,72,66,false,Sell,Trim extended winner -1%,22,8,BrokerB,VWAP,92,None,None,Normal monitoring,-5,-35,-2,3,false,Tax-aware sells next window
P0881,Hands-off,Trust,USD,2024-11-19,289774,15903,273871,1.0,66.9,24.4,0.0,8.7,VOO:11.8%;HYG:23.5%;TSLA:23.5%;TLT:23.5%;XLF:17.6%,US:65.6;EU:19.7;APAC:6.3;EM:5.8;Other:2.6,Value:+0.2;Growth:-0.4;Quality:-0.6;Size:-0.5;Momentum:+0.8;LowVol:-0.0,ESGOnly;MaxPos5%,7,25,5.2,trailing 10%,114,15.5,Bear,34.2,4.01,2.7,132,35,55,84,true,Reduce,"Cut high-beta by 2-3%, add cash",9,-15,BrokerD,MKT,89,RegimeShift,Hedge,Volatility spike and breadth deterioration,50,8,115,2,false,Monitor dispersion and breadth
P0882,Cautious,401k,USD,2025-09-14,557733,49015,508718,1.0,48.2,33.6,4.8,13.4,VNQ:15.1%;TLT:22.1%;XLF:18.7%;AMZN:22.1%;BRK.B:22.1%,US:59.6;EU:18.2;APAC:13.1;EM:7.3;Other:1.8,Value:-0.9;Growth:-0.0;Quality:+0.1;Size:+0.7;Momentum:-0.8;LowVol:+0.1,NoMargin,5,30,4.4,trailing 8%,150,19.9,Bull,16.2,3.92,3.1,104,21,49,37,false,Buy,Add to core equity +1%,-5,14,BrokerA,LMT,92,None,None,Normal monitoring,67,-42,185,3,false,Tighten stops on momentum names
P0883,Active,401k,USD,2025-02-03,2428811,277444,2151367,1.12,61.5,26.0,3.4,9.1,VTI:33.3%;MUB:33.3%;VNQ:33.3%,US:67.7;EU:8.8;APAC:14.2;EM:4.0;Other:5.3,Value:-0.7;Growth:+0.4;Quality:-0.1;Size:-1.0;Momentum:-0.6;LowVol:0.0,,6,30,5.5,trailing 8%,203,17.7,Bull,16.0,4.42,2.4,85,50,64,58,false,Sell,Trim extended winner -1%,11,-6,BrokerD,LMT,92,None,None,Normal monitoring,66,12,137,3,false,Within IPS guidelines
P0884,Active,401k,USD,2024-08-11,846919,57281,789638,1.1,66.7,20.8,2.8,9.8,MSFT:33.3%;IEF:33.3%;VTI:33.3%,US:77.3;EU:5.7;APAC:5.6;EM:6.6;Other:4.8,Value:+0.4;Growth:+0.7;Quality:-0.7;Size:-0.5;Momentum:-0.8;LowVol:-0.8,,10,30,4.1,hard 12%,151,26.9,Bull,16.4,3.94,2.7,120,21,46,43,false,Rebalance,Shift +1% to bonds from equity,20,-23,BrokerD,LMT,88,None,None,Normal monitoring,101,-18,201,4,false,Increase defensive factor exposure
P0885,Hands-off,Roth,USD,2025-03-29,487176,47874,439302,1.0,57.0,29.4,3.6,10.0,VOO:26.5%;GLD:23.3%;QQQ:26.5%;MUB:23.7%,US:74.3;EU:13.0;APAC:7.8;EM:3.2;Other:1.7,Value:+0.5;Growth:-0.5;Quality:+0.4;Size:-0.5;Momentum:-0.8;LowVol:-0.9,ESGOnly,10,25,5.7,hard 10%,147,19.8,Bull,11.9,4.96,3.5,81,82,100,47,false,NoAction,Within bands; monitor,-6,-18,BrokerB,LMT,88,None,None,Normal monitoring,100,12,208,4,false,Within IPS guidelines
P0886,Opportunistic,Trust,USD,2025-04-23,835322,48868,786454,1.0,69.3,10.9,15.6,4.2,VNQ:22.3%;MUB:22.3%;TLT:22.3%;VOO:22.3%;BRK.B:10.9%,US:68.4;EU:9.2;APAC:10.7;EM:9.0;Other:2.7,Value:+0.6;Growth:+0.1;Quality:+0.7;Size:-1.0;Momentum:+0.8;LowVol:-0.5,,6,35,6.1,trailing 9%,256,34.6,Bull,16.9,4.64,2.6,101,106,94,49,false,Sell,Trim extended winner -1%,26,11,BrokerD,MKT,90,None,None,Normal monitoring,-19,-5,27,3,false,Within IPS guidelines
P0887,Active,Trust,USD,2025-11-27,1010659,79379,931280,1.23,67.4,21.1,5.4,6.1,TLT:35.3%;HYG:35.3%;BRK.B:29.4%,US:60.8;EU:11.4;APAC:14.9;EM:10.2;Other:2.7,Value:+0.2;Growth:+0.5;Quality:+0.9;Size:+0.8;Momentum:-0.8;LowVol:+0.1,MaxPos6%,7,25,4.2,trailing 8%,189,16.1,Volatile,25.8,3.71,3.7,116,-58,18,75,true,Rebalance,Rebalance back to target bands,6,-33,BrokerB,VWAP,87,VAR>budget,TightenStops,Risk above budget threshold,80,-11,51,2,false,Monitor dispersion and breadth
P0888,Opportunistic,Taxable,USD,2024-09-07,544436,41684,502752,1.24,69.9,19.1,6.8,4.2,VOO:24.0%;VNQ:38.0%;IEF:38.0%,US:60.1;EU:20.2;APAC:8.1;EM:8.5;Other:3.2,Value:-0.0;Growth:-0.1;Quality:+0.9;Size:+1.0;Momentum:-0.5;LowVol:+0.8,MaxPos8%,7,25,4.7,hard 12%,186,30.9,Volatile,26.1,4.2,3.8,176,70,80,73,true,Hedge,Buy index puts 1% notional,13,-37,BrokerD,LMT,85,VAR>budget,Hedge,Risk above budget threshold,-36,-29,-40,4,false,Tighten stops on momentum names
P0889,Active,Roth,USD,2025-12-17,978743,65987,912756,1.22,62.6,19.6,11.0,6.8,GLD:23.6%;AMZN:23.6%;VOO:11.7%;VNQ:23.6%;AAPL:17.5%,US:72.5;EU:8.9;APAC:8.5;EM:9.7;Other:0.4,Value:+0.3;Growth:+0.4;Quality:+0.2;Size:-0.1;Momentum:-0.0;LowVol:+0.6,MaxPos7%,6,30,4.4,trailing 8%,178,26.9,Volatile,23.5,3.76,2.8,146,6,45,56,false,Buy,Add to core equity +1%,8,0,BrokerA,LMT,93,None,None,Normal monitoring,-7,-60,71,4,false,Increase defensive factor exposure
P0890,Opportunistic,IRA,USD,2025-11-09,540649,22039,518610,1.0,63.5,21.2,7.2,8.1,VTI:21.7%;BRK.B:21.7%;TLT:21.7%;QQQ:21.7%;MUB:13.1%,US:62.6;EU:13.2;APAC:16.7;EM:4.5;Other:3.0,Value:-0.1;Growth:+0.7;Quality:-0.5;Size:-0.1;Momentum:+0.9;LowVol:+0.6,,8,30,4.6,trailing 7%,237,23.3,Sideways,16.7,4.01,2.4,140,44,73,55,false,Rebalance,Shift +1% to bonds from equity,-3,-35,BrokerC,MKT,99,None,None,Normal monitoring,112,-6,203,3,false,Monitor dispersion and breadth
P0891,Hands-off,Roth,USD,2025-11-19,342256,33374,308882,1.0,61.5,28.5,0.5,9.5,VOO:9.8%;TSLA:23.8%;MSFT:18.9%;XLF:23.8%;QQQ:23.8%,US:66.1;EU:14.7;APAC:7.4;EM:8.0;Other:3.8,Value:-0.3;Growth:-0.2;Quality:+0.6;Size:+0.3;Momentum:-0.1;LowVol:+0.2,,5,30,5.5,trailing 10%,116,16.5,Bear,34.9,3.62,2.3,209,-120,5,78,true,Hedge,Buy index puts 1% notional,9,-15,BrokerD,LMT,89,Drift>tolerance,Pause,Allocation drift beyond policy bands,-1,-23,57,5,false,Within IPS guidelines
P0892,Hands-off,Trust,USD,2025-11-20,604284,36395,567889,1.0,68.8,25.5,0.0,5.6,VTI:12.7%;VNQ:22.7%;AMZN:22.7%;BND:22.7%;MUB:19.3%,US:68.6;EU:8.1;APAC:12.7;EM:7.2;Other:3.4,Value:+0.5;Growth:-0.5;Quality:+0.2;Size:-0.3;Momentum:-0.3;LowVol:-0.0,,7,30,4.0,hard 10%,106,15.1,Bear,23.6,3.28,1.4,192,-32,27,77,true,Rebalance,Rebalance back to target bands,12,-11,BrokerA,MKT,86,VAR>budget,Hedge,Risk above budget threshold,-55,3,5,5,false,Tighten stops on momentum names
P0893,Active,IRA,USD,2025-11-05,1246922,114346,1132576,1.0,61.7,20.8,12.3,5.2,AMZN:25.9%;IEF:37.1%;TSLA:37.1%,US:72.7;EU:9.3;APAC:7.1;EM:9.0;Other:1.9,Value:-0.4;Growth:-0.8;Quality:-0.8;Size:-0.3;Momentum:+0.7;LowVol:-0.8,MaxPos7%;NoDerivatives,5,35,4.6,hard 12%,222,27.0,Volatile,20.5,3.54,2.1,120,-14,33,61,false,Rebalance,Shift +1% to bonds from equity,-15,11,BrokerC,MKT,95,None,None,Normal monitoring,27,-54,49,3,false,Monitor dispersion and breadth
P0894,Opportunistic,Trust,USD,2024-10-11,1030020,41154,988866,1.0,66.0,21.9,4.0,8.1,MSFT:16.3%;GLD:29.6%;QQQ:24.6%;TSLA:29.6%,US:60.6;EU:14.4;APAC:13.4;EM:6.8;Other:4.9,Value:-0.9;Growth:+1.0;Quality:-0.8;Size:+0.3;Momentum:-0.4;LowVol:+0.1,,5,25,7.0,trailing 7%,280,23.6,Bull,14.7,4.62,3.5,88,23,53,49,false,Rebalance,Shift +1% to bonds from equity,9,-29,BrokerC,LMT,98,None,None,Normal monitoring,80,-11,142,4,false,Within IPS guidelines
P0895,Systematic,Trust,USD,2024-09-12,924456,75192,849264,1.0,58.3,32.4,0.0,9.3,BRK.B:16.2%;IEF:20.4%;VNQ:20.4%;BND:15.8%;MSFT:16.8%;AAPL:10.4%,US:64.0;EU:9.4;APAC:13.2;EM:10.1;Other:3.4,Value:-0.3;Growth:-0.0;Quality:+0.9;Size:+0.3;Momentum:-0.5;LowVol:+0.5,NoDerivatives,6,30,5.6,hard 12%,190,26.6,Volatile,25.0,3.78,3.3,143,-47,27,64,false,Buy,Add to core equity +1%,-5,-5,BrokerD,MKT,88,None,None,Normal monitoring,-28,19,62,3,false,Tax-aware sells next window
P0896,Hands-off,Roth,USD,2025-02-10,496862,36423,460439,1.0,56.5,28.8,9.0,5.8,HYG:33.3%;XLF:33.3%;TLT:33.3%,US:71.1;EU:14.0;APAC:7.4;EM:3.4;Other:4.1,Value:+0.1;Growth:-0.6;Quality:-0.3;Size:-1.0;Momentum:-0.6;LowVol:-0.4,ESGOnly,6,25,5.1,trailing 8%,164,17.2,Sideways,20.9,4.31,2.7,133,40,76,55,false,Buy,Add to core equity +1%,-4,-38,BrokerC,LMT,86,None,None,Normal monitoring,25,-31,103,3,false,Tighten stops on momentum names
P0897,Hands-off,Roth,USD,2024-11-18,391299,20686,370613,1.0,70.4,20.7,0.0,8.9,VTI:20.3%;HYG:26.6%;GLD:26.6%;TSLA:26.6%,US:62.6;EU:13.9;APAC:12.2;EM:10.1;Other:1.1,Value:-0.5;Growth:-0.8;Quality:-0.4;Size:-0.5;Momentum:+0.6;LowVol:+0.9,MaxPos7%,7,25,3.3,trailing 8%,111,12.8,Sideways,17.2,4.44,2.7,109,10,57,60,false,Buy,Add to core equity +1%,4,-40,BrokerD,MKT,90,None,None,Normal monitoring,8,8,0,3,false,Monitor dispersion and breadth
P0898,Cautious,Taxable,USD,2025-01-09,488847,75986,412861,1.0,48.4,36.2,0.0,15.4,BRK.B:17.7%;GLD:19.6%;VNQ:20.2%;XLF:6.2%;AAPL:20.9%;TSLA:15.4%,US:65.1;EU:16.6;APAC:9.3;EM:8.2;Other:0.7,Value:+0.2;Growth:-0.3;Quality:+0.8;Size:-0.9;Momentum:+0.9;LowVol:-0.2,MaxPos8%;NoMargin,8,35,5.2,trailing 8%,161,16.9,Volatile,24.4,4.19,3.1,142,-45,29,63,false,Buy,Add to core equity +1%,9,-35,BrokerA,LMT,93,None,None,Normal monitoring,7,-60,34,4,false,Within IPS guidelines
P0899,Hands-off,Trust,USD,2025-05-15,344904,17885,327019,1.0,62.7,16.1,12.3,8.9,AAPL:33.6%;QQQ:33.6%;TSLA:32.8%,US:65.6;EU:10.0;APAC:17.3;EM:3.8;Other:3.3,Value:-0.1;Growth:+0.8;Quality:-0.7;Size:0.0;Momentum:+0.1;LowVol:+0.6,,5,25,5.5,trailing 10%,141,15.6,Sideways,14.6,4.99,2.8,110,58,90,48,false,NoAction,Within bands; monitor,23,9,BrokerB,MKT,0,None,None,Normal monitoring,24,-30,4,3,false,Monitor dispersion and breadth
P0900,Hands-off,IRA,USD,2025-08-19,557938,49476,508462,1.0,68.0,24.7,0.0,7.3,BND:17.3%;MUB:22.0%;HYG:20.3%;AAPL:21.6%;XLF:18.9%,US:63.6;EU:12.3;APAC:14.1;EM:7.4;Other:2.6,Value:+0.8;Growth:+0.2;Quality:-0.8;Size:+0.1;Momentum:+0.3;LowVol:+0.2,MaxPos6%;NoDerivatives,10,30,5.0,hard 10%,166,15.0,Bull,17.7,4.04,2.7,87,91,83,66,false,NoAction,Within bands; monitor,-14,-37,BrokerB,LMT,90,None,None,Normal monitoring,-14,10,46,5,false,Tighten stops on momentum names
P0901,Hands-off,Trust,USD,2024-08-16,447985,40412,407573,1.0,66.4,19.6,7.3,6.8,AMZN:24.5%;IEF:9.1%;VNQ:11.5%;MSFT:17.8%;BRK.B:24.5%;XLF:12.6%,US:65.0;EU:17.5;APAC:5.3;EM:11.0;Other:1.2,Value:-0.9;Growth:-0.1;Quality:-0.1;Size:+0.1;Momentum:+1.0;LowVol:+0.8,,5,35,3.7,trailing 10%,109,15.5,Sideways,17.9,3.69,2.3,100,26,66,64,false,NoAction,Within bands; monitor,3,-16,BrokerD,VWAP,91,None,None,Normal monitoring,49,-40,63,3,false,Tighten stops on momentum names
P0902,Hands-off,401k,USD,2025-11-21,790154,57075,733079,1.0,55.5,28.8,7.7,7.9,VOO:22.3%;BRK.B:15.0%;HYG:12.0%;TLT:17.0%;VNQ:22.3%;QQQ:11.4%,US:61.1;EU:17.2;APAC:9.5;EM:8.2;Other:3.9,Value:-0.7;Growth:-0.5;Quality:+0.4;Size:+0.4;Momentum:-0.2;LowVol:+0.1,ESGOnly;MaxPos6%,5,35,5.2,trailing 10%,92,15.7,Sideways,21.7,4.98,2.9,97,-23,38,61,false,Sell,Trim extended winner -1%,17,-25,BrokerD,LMT,85,None,None,Normal monitoring,64,2,52,5,false,Increase defensive factor exposure
P0903,Cautious,IRA,USD,2025-10-17,528503,57760,470743,1.0,49.2,32.1,8.2,10.5,IEF:11.2%;QQQ:22.4%;TLT:22.4%;BRK.B:10.4%;MSFT:11.1%;HYG:22.4%,US:62.1;EU:16.2;APAC:14.3;EM:5.2;Other:2.2,Value:-0.5;Growth:+0.2;Quality:+0.3;Size:+0.5;Momentum:+0.5;LowVol:-0.1,ESGOnly;MaxPos8%;NoMargin,8,30,4.6,trailing 10%,160,14.0,Volatile,30.6,4.5,2.3,158,-13,56,65,false,Sell,Trim extended winner -1%,-2,-2,BrokerA,LMT,99,None,None,Normal monitoring,-22,13,-23,3,false,Within IPS guidelines
P0904,Hands-off,Roth,USD,2025-01-01,768757,57781,710976,1.0,56.6,18.6,19.7,5.1,VOO:20.4%;QQQ:19.8%;TSLA:12.6%;HYG:11.7%;BRK.B:16.1%;MUB:19.3%,US:66.1;EU:17.4;APAC:6.2;EM:6.4;Other:4.0,Value:+0.2;Growth:+0.4;Quality:+0.8;Size:+0.8;Momentum:-0.8;LowVol:+0.2,,8,35,5.8,trailing 8%,132,19.1,Bull,11.3,4.8,2.2,110,8,52,41,false,Hedge,Add TLT +1% as duration hedge,-9,7,BrokerD,MKT,87,None,None,Normal monitoring,32,8,47,5,false,Tighten stops on momentum names
P0905,Cautious,Roth,USD,2024-11-27,356755,29563,327192,1.0,50.4,39.1,0.0,10.5,BND:33.3%;TLT:33.3%;BRK.B:33.3%,US:66.0;EU:15.1;APAC:11.9;EM:5.1;Other:1.9,Value:-0.0;Growth:-0.6;Quality:-0.1;Size:+0.2;Momentum:+0.7;LowVol:-0.8,ESGOnly;NoDerivatives;NoMargin,7,30,3.8,trailing 8%,165,19.4,Volatile,21.9,4.02,3.3,135,-26,45,59,false,Rebalance,Shift +1% to bonds from equity,26,-14,BrokerB,MKT,93,None,None,Normal monitoring,-16,17,71,5,false,Within IPS guidelines
P0906,Systematic,IRA,USD,2025-05-15,1851308,124202,1727106,1.0,56.5,30.8,5.9,6.7,TSLA:28.0%;IEF:22.0%;GLD:22.1%;AMZN:28.0%,US:67.1;EU:14.2;APAC:12.4;EM:3.0;Other:3.3,Value:+0.5;Growth:+0.6;Quality:-0.5;Size:-0.5;Momentum:+0.2;LowVol:-0.7,,7,35,5.8,hard 12%,124,22.7,Bull,15.5,4.94,3.4,112,42,76,49,false,Buy,Add to core equity +1%,-12,-21,BrokerD,LMT,85,None,None,Normal monitoring,111,-44,159,4,false,Monitor dispersion and breadth
P0907,Opportunistic,Taxable,USD,2025-08-18,783112,49264,733848,1.12,71.8,17.7,4.0,6.5,MSFT:16.2%;TSLA:23.9%;GLD:12.3%;MUB:23.9%;BND:23.9%,US:69.5;EU:9.5;APAC:7.7;EM:11.2;Other:2.2,Value:+0.7;Growth:+0.8;Quality:+0.8;Size:-0.8;Momentum:-0.5;LowVol:-0.3,,6,35,4.1,trailing 9%,187,29.5,Volatile,26.1,5.17,3.3,114,9,55,77,true,Hedge,Buy index puts 1% notional,3,-16,BrokerD,MKT,90,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,35,-19,1,2,false,Monitor dispersion and breadth
P0908,Opportunistic,401k,USD,2025-09-11,1361732,52418,1309314,1.0,73.5,19.9,0.0,6.6,TSLA:33.3%;BND:33.3%;HYG:33.3%,US:69.7;EU:12.7;APAC:14.1;EM:3.0;Other:0.5,Value:+0.6;Growth:+0.7;Quality:-0.5;Size:+0.9;Momentum:-0.0;LowVol:+0.8,,6,30,5.9,hard 12%,174,24.6,Volatile,25.8,5.08,2.6,121,1,43,67,false,Sell,Trim extended winner -1%,35,-5,BrokerA,LMT,90,None,None,Normal monitoring,83,-37,96,4,false,Monitor dispersion and breadth
P0909,Systematic,IRA,USD,2025-10-27,775822,63564,712258,1.0,63.7,22.9,7.9,5.4,VTI:22.5%;BRK.B:14.1%;BND:22.5%;MUB:22.5%;VOO:18.4%,US:68.8;EU:8.4;APAC:8.0;EM:10.4;Other:4.5,Value:+0.6;Growth:-0.9;Quality:+1.0;Size:+0.5;Momentum:-0.6;LowVol:-1.0,MaxPos6%,6,35,4.7,trailing 8%,175,22.8,Volatile,23.4,5.36,2.5,125,-39,25,75,true,Hedge,Buy index puts 1% notional,-1,-36,BrokerD,LMT,96,VAR>budget,Pause,Risk above budget threshold,29,-1,48,2,true,Increase defensive factor exposure
P0910,Hands-off,IRA,USD,2025-01-26,735551,33498,702053,1.0,59.4,28.4,3.3,8.9,HYG:19.3%;QQQ:21.3%;VOO:16.3%;TLT:9.9%;MUB:16.1%;MSFT:17.2%,US:65.4;EU:15.3;APAC:10.6;EM:3.8;Other:5.0,Value:+0.1;Growth:-0.6;Quality:-0.4;Size:-0.2;Momentum:+0.3;LowVol:-0.9,ESGOnly,10,35,5.1,hard 10%,105,13.2,Bull,11.7,3.84,3.5,115,35,73,39,false,Rebalance,Shift +1% to bonds from equity,3,8,BrokerD,LMT,86,None,None,Normal monitoring,84,-6,194,3,false,Within IPS guidelines
P0911,Hands-off,IRA,USD,2025-09-13,881400,42601,838799,1.0,72.6,18.6,0.0,8.8,BND:17.3%;VOO:18.8%;GLD:20.6%;HYG:10.9%;MSFT:13.2%;AMZN:19.2%,US:63.8;EU:16.4;APAC:11.3;EM:6.7;Other:1.8,Value:+0.9;Growth:+0.9;Quality:-0.4;Size:-0.4;Momentum:-0.8;LowVol:-0.1,MaxPos7%;NoDerivatives,10,30,3.9,trailing 10%,159,18.1,Bull,12.7,4.55,2.8,108,107,100,56,true,Hedge,Buy index puts 1% notional,20,10,BrokerB,MKT,85,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-7,-20,43,4,false,Tax-aware sells next window
P0912,Active,IRA,USD,2024-12-18,1400868,136502,1264366,1.0,61.1,25.6,4.2,9.1,QQQ:14.8%;HYG:17.8%;TSLA:17.8%;MSFT:19.6%;BND:9.3%;TLT:20.6%,US:78.8;EU:7.2;APAC:5.4;EM:4.1;Other:4.4,Value:+0.7;Growth:+0.3;Quality:+0.2;Size:-0.9;Momentum:0.0;LowVol:-0.7,MaxPos8%,10,35,5.4,trailing 9%,222,18.3,Volatile,29.2,3.71,2.6,118,-12,56,76,true,Hedge,Buy index puts 1% notional,29,-14,BrokerC,MKT,94,VAR>budget,Hedge,Risk above budget threshold,-25,-21,-54,3,false,Within IPS guidelines
P0913,Opportunistic,401k,USD,2025-05-02,316358,17939,298419,1.0,67.1,21.0,4.2,7.7,MUB:24.8%;VTI:25.1%;GLD:25.1%;AAPL:25.1%,US:77.2;EU:6.3;APAC:4.9;EM:10.4;Other:1.1,Value:+0.8;Growth:-0.6;Quality:+0.2;Size:-0.9;Momentum:+0.5;LowVol:-0.4,MaxPos5%;NoDerivatives,8,30,4.4,hard 12%,199,29.8,Sideways,17.2,3.82,2.3,97,1,42,63,false,Buy,Add to core equity +1%,3,-24,BrokerC,LMT,99,None,None,Normal monitoring,94,1,163,4,false,Monitor dispersion and breadth
P0914,Cautious,Trust,USD,2024-12-05,377042,60314,316728,1.0,49.4,39.7,0.0,10.9,VNQ:25.0%;BRK.B:25.0%;MUB:16.8%;MSFT:12.6%;IEF:20.6%,US:61.2;EU:17.8;APAC:9.2;EM:7.1;Other:4.8,Value:-0.8;Growth:-0.7;Quality:+0.6;Size:+0.5;Momentum:+0.7;LowVol:+1.0,ESGOnly;MaxPos6%;NoMargin,10,25,5.2,hard 10%,96,19.2,Bear,26.4,4.12,1.1,172,8,47,57,false,Rebalance,Shift +1% to bonds from equity,17,-17,BrokerA,MKT,91,None,None,Normal monitoring,69,-33,69,3,false,Within IPS guidelines
P0915,Hands-off,Trust,USD,2025-09-29,332434,16523,315911,1.0,63.1,24.2,4.1,8.7,BRK.B:25.0%;TSLA:25.0%;AMZN:25.0%;HYG:25.0%,US:70.1;EU:7.3;APAC:12.7;EM:6.3;Other:3.7,Value:+0.1;Growth:-0.5;Quality:-1.0;Size:-0.1;Momentum:-0.1;LowVol:+0.6,ESGOnly;MaxPos7%,10,30,5.3,trailing 10%,90,18.7,Sideways,18.1,3.86,2.3,94,13,41,48,false,NoAction,Within bands; monitor,14,7,BrokerC,VWAP,95,None,None,Normal monitoring,70,-33,184,4,false,Increase defensive factor exposure
P0916,Active,Taxable,USD,2024-11-26,2000791,124174,1876617,1.14,60.8,30.3,0.0,8.9,BRK.B:26.0%;XLF:26.0%;VTI:26.0%;TSLA:22.1%,US:76.9;EU:7.9;APAC:9.8;EM:3.9;Other:1.5,Value:-0.9;Growth:+0.9;Quality:+0.9;Size:+0.2;Momentum:-0.3;LowVol:-0.6,,5,35,5.5,trailing 9%,132,25.8,Sideways,17.0,4.46,3.2,121,42,73,48,false,Hedge,Add TLT +1% as duration hedge,29,-11,BrokerC,MKT,89,None,None,Normal monitoring,29,-52,27,4,false,Increase defensive factor exposure
P0917,Opportunistic,Taxable,USD,2025-09-30,891915,43504,848411,1.06,61.9,11.6,22.1,4.4,TSLA:21.4%;AAPL:17.4%;AMZN:21.4%;VOO:15.5%;BND:16.2%;MSFT:8.1%,US:66.6;EU:17.8;APAC:11.6;EM:3.1;Other:0.9,Value:+0.7;Growth:+0.7;Quality:-0.8;Size:-0.9;Momentum:-0.8;LowVol:+0.8,MaxPos8%,5,25,4.1,hard 12%,214,27.8,Sideways,19.0,3.99,2.8,97,-15,30,49,false,Rebalance,Shift +1% to bonds from equity,18,-24,BrokerB,LMT,99,None,None,Normal monitoring,120,17,249,3,false,Tighten stops on momentum names
P0918,Cautious,401k,USD,2025-07-26,222986,23726,199260,1.0,39.3,42.5,6.4,11.7,BRK.B:22.4%;AAPL:22.4%;AMZN:21.4%;BND:13.8%;VOO:12.3%;MSFT:7.6%,US:68.4;EU:7.8;APAC:12.1;EM:7.7;Other:4.0,Value:-0.6;Growth:-0.7;Quality:-0.4;Size:+0.3;Momentum:+0.7;LowVol:-0.8,ESGOnly;MaxPos6%;NoDerivatives;NoMargin,5,35,5.9,trailing 10%,110,13.1,Volatile,23.8,4.78,2.5,165,11,56,45,false,Sell,Trim extended winner -1%,-3,-23,BrokerB,MKT,93,None,None,Normal monitoring,37,-24,37,3,false,Tighten stops on momentum names
P0919,Cautious,401k,USD,2024-10-03,769686,99517,670169,1.0,35.7,35.9,12.9,15.5,GLD:33.3%;BND:33.3%;VTI:33.3%,US:63.1;EU:17.0;APAC:15.0;EM:3.9;Other:0.9,Value:-0.9;Growth:-0.6;Quality:-0.5;Size:-1.0;Momentum:-0.6;LowVol:-0.4,ESGOnly;MaxPos7%;NoMargin,10,35,5.7,trailing 8%,100,17.3,Bear,28.4,4.28,1.9,217,-52,25,68,false,Sell,Trim extended winner -1%,20,-37,BrokerA,LMT,88,None,None,Normal monitoring,28,-31,68,4,false,Tighten stops on momentum names
P0920,Hands-off,Taxable,USD,2025-09-15,779019,57862,721157,1.0,63.0,21.2,9.9,5.9,AMZN:33.3%;GLD:33.3%;TLT:33.3%,US:65.4;EU:6.4;APAC:13.4;EM:11.0;Other:3.8,Value:+0.6;Growth:+0.4;Quality:+0.9;Size:-0.1;Momentum:+0.4;LowVol:+0.4,ESGOnly,7,35,3.6,trailing 8%,122,18.9,Bull,16.3,3.66,2.4,95,83,77,58,false,Sell,Trim extended winner -1%,26,-9,BrokerD,LMT,85,None,None,Normal monitoring,86,-19,104,4,false,Tax-aware sells next window
P0921,Hands-off,Taxable,USD,2025-09-11,473920,30310,443610,1.0,64.6,24.6,5.6,5.2,BRK.B:17.5%;VNQ:24.0%;IEF:10.5%;AMZN:24.0%;GLD:24.0%,US:62.7;EU:12.2;APAC:16.8;EM:4.9;Other:3.3,Value:+0.7;Growth:-0.7;Quality:+0.9;Size:+0.6;Momentum:-0.1;LowVol:-0.2,ESGOnly;MaxPos5%,10,35,4.4,hard 10%,132,17.2,Volatile,23.6,5.0,3.1,155,-28,28,67,false,Rebalance,Shift +1% to bonds from equity,-9,-8,BrokerC,VWAP,95,None,None,Normal monitoring,99,-48,206,4,false,Tighten stops on momentum names
P0922,Hands-off,Roth,USD,2025-10-12,563076,44383,518693,1.0,65.6,29.3,0.0,5.0,TLT:33.3%;IEF:33.3%;BND:33.3%,US:65.5;EU:18.0;APAC:9.5;EM:5.9;Other:1.1,Value:+0.4;Growth:+0.3;Quality:-0.4;Size:+0.9;Momentum:+0.5;LowVol:0.0,ESGOnly;MaxPos6%,10,25,3.6,trailing 8%,135,13.3,Bear,34.3,3.69,2.3,146,-36,31,92,true,Hedge,Buy index puts 1% notional,-14,1,BrokerC,LMT,91,VAR>budget,Reduce,Risk above budget threshold,-22,-58,-30,5,false,Within IPS guidelines
P0923,Active,Trust,USD,2025-02-17,648936,76698,572238,1.2,65.2,26.2,0.0,8.6,BRK.B:33.3%;VOO:33.3%;HYG:33.3%,US:70.1;EU:13.9;APAC:8.3;EM:3.0;Other:4.6,Value:-1.0;Growth:-0.1;Quality:+0.4;Size:+0.9;Momentum:+0.9;LowVol:-0.0,MaxPos6%,5,30,5.7,hard 12%,161,18.3,Volatile,28.3,4.62,2.2,174,29,74,74,true,Rebalance,Rebalance back to target bands,14,-2,BrokerC,MKT,99,Drift>tolerance,Hedge,Allocation drift beyond policy bands,113,-31,83,2,false,Monitor dispersion and breadth
P0924,Cautious,Roth,USD,2025-01-28,579515,89231,490284,1.0,46.1,38.6,0.2,15.1,VNQ:28.5%;TLT:19.8%;AMZN:23.2%;QQQ:28.5%,US:74.2;EU:6.8;APAC:9.6;EM:7.4;Other:2.0,Value:0.0;Growth:-0.3;Quality:+0.9;Size:+0.3;Momentum:-0.4;LowVol:+0.6,MaxPos8%;NoMargin,5,30,4.9,hard 10%,108,16.8,Volatile,29.3,5.09,3.4,115,38,70,70,true,Hedge,Buy index puts 1% notional,14,-37,BrokerD,LMT,96,RegimeShift,TightenStops,Volatility spike and breadth deterioration,86,-38,210,3,false,Increase defensive factor exposure
P0925,Opportunistic,401k,USD,2024-07-27,1087077,48294,1038783,1.0,63.3,18.1,13.9,4.7,XLF:20.5%;MUB:6.3%;BND:20.7%;VOO:19.3%;GLD:20.7%;TSLA:12.6%,US:59.5;EU:17.2;APAC:12.5;EM:9.4;Other:1.4,Value:-0.8;Growth:-0.0;Quality:-0.5;Size:-0.9;Momentum:+0.3;LowVol:-0.6,MaxPos7%,5,25,4.4,hard 12%,263,34.1,Bull,16.0,3.88,2.1,101,101,99,44,false,Hedge,Add TLT +1% as duration hedge,23,-21,BrokerC,LMT,88,None,None,Normal monitoring,-51,-21,9,5,false,Increase defensive factor exposure
P0926,Systematic,Taxable,USD,2024-12-29,951101,47694,903407,1.0,61.8,31.1,0.0,7.2,MUB:23.1%;MSFT:7.3%;IEF:13.6%;TSLA:23.1%;HYG:23.1%;BRK.B:10.0%,US:71.2;EU:5.9;APAC:10.2;EM:12.2;Other:0.6,Value:-0.0;Growth:-0.7;Quality:0.0;Size:+1.0;Momentum:-0.8;LowVol:-0.7,NoDerivatives,7,25,5.0,trailing 9%,208,23.8,Volatile,24.3,4.38,3.0,130,-27,21,60,false,Buy,Add to core equity +1%,5,-16,BrokerA,VWAP,97,None,None,Normal monitoring,33,-54,133,4,false,Within IPS guidelines
P0927,Opportunistic,401k,USD,2025-12-12,1715735,71965,1643770,1.0,65.4,11.6,16.4,6.7,BRK.B:23.5%;HYG:38.3%;MSFT:38.3%,US:70.3;EU:14.4;APAC:8.5;EM:6.4;Other:0.3,Value:+0.1;Growth:-0.5;Quality:-0.8;Size:+0.5;Momentum:-1.0;LowVol:-0.4,,10,30,4.7,hard 12%,201,24.1,Bull,17.0,3.77,3.4,95,88,97,48,false,Sell,Trim extended winner -1%,-6,10,BrokerC,LMT,90,None,None,Normal monitoring,43,-38,90,3,false,Tighten stops on momentum names
P0928,Cautious,IRA,USD,2024-08-30,661185,78012,583173,1.0,49.4,34.2,0.0,16.4,BRK.B:12.3%;AMZN:10.0%;HYG:19.4%;MUB:17.9%;AAPL:19.4%;BND:21.1%,US:67.4;EU:17.6;APAC:5.8;EM:7.0;Other:2.3,Value:+0.1;Growth:+0.5;Quality:+0.8;Size:+0.6;Momentum:-0.3;LowVol:+0.1,ESGOnly;MaxPos7%;NoMargin,8,35,3.5,trailing 8%,116,17.4,Bear,29.8,4.14,1.0,174,5,61,67,false,Rebalance,Shift +1% to bonds from equity,-5,-5,BrokerA,MKT,99,None,None,Normal monitoring,114,-22,238,4,false,Increase defensive factor exposure
P0929,Cautious,401k,USD,2025-07-22,215577,30107,185470,1.0,49.1,38.4,0.0,12.4,XLF:33.3%;MSFT:33.3%;AMZN:33.3%,US:74.8;EU:6.8;APAC:8.6;EM:6.6;Other:3.2,Value:-0.2;Growth:-0.7;Quality:-0.7;Size:-0.2;Momentum:-0.4;LowVol:-0.2,ESGOnly;MaxPos6%;NoMargin,6,30,5.9,trailing 8%,142,17.9,Bull,16.4,3.94,2.0,80,112,100,42,true,Hedge,Buy index puts 1% notional,-15,12,BrokerA,LMT,91,VAR>budget,Reduce,Risk above budget threshold,46,13,70,4,false,Tax-aware sells next window
P0930,Cautious,Trust,USD,2025-11-03,736384,60681,675703,1.0,47.0,37.8,0.0,15.2,HYG:21.3%;BRK.B:21.3%;IEF:8.0%;VTI:11.5%;QQQ:21.3%;MUB:16.7%,US:71.8;EU:9.3;APAC:5.5;EM:11.7;Other:1.7,Value:+0.3;Growth:-0.5;Quality:-0.5;Size:-0.5;Momentum:+0.9;LowVol:+0.6,ESGOnly;NoDerivatives;NoMargin,7,25,3.1,trailing 8%,142,12.9,Volatile,25.5,4.69,3.2,178,14,72,63,false,Rebalance,Shift +1% to bonds from equity,10,-8,BrokerC,MKT,96,None,None,Normal monitoring,74,-34,84,3,false,Within IPS guidelines
P0931,Hands-off,Taxable,USD,2025-08-31,643473,35431,608042,1.0,66.9,15.9,11.9,5.4,VTI:26.0%;AAPL:25.8%;IEF:22.2%;TSLA:26.0%,US:63.5;EU:13.7;APAC:11.4;EM:9.2;Other:2.3,Value:-0.8;Growth:-0.5;Quality:-0.8;Size:+0.5;Momentum:-0.8;LowVol:-0.5,MaxPos8%;NoDerivatives,8,35,5.4,trailing 8%,120,14.6,Bull,15.9,3.97,2.1,71,38,61,55,false,Rebalance,Shift +1% to bonds from equity,28,-26,BrokerD,MKT,87,None,None,Normal monitoring,-27,-51,-7,4,false,Tax-aware sells next window
P0932,Hands-off,Taxable,USD,2025-02-04,253244,14475,238769,1.0,60.8,25.6,4.8,8.8,MSFT:27.2%;HYG:27.2%;VTI:27.2%;MUB:18.5%,US:63.5;EU:6.8;APAC:16.6;EM:10.2;Other:2.9,Value:+0.8;Growth:+0.1;Quality:-0.8;Size:+0.3;Momentum:-0.5;LowVol:-0.7,ESGOnly,6,25,5.7,trailing 8%,150,12.6,Bull,14.5,4.47,3.4,88,52,79,52,false,Rebalance,Shift +1% to bonds from equity,0,-31,BrokerB,MKT,92,None,None,Normal monitoring,-48,-49,7,4,false,Within IPS guidelines
P0933,Hands-off,Trust,USD,2025-01-29,393949,38727,355222,1.0,59.7,28.5,5.1,6.7,TLT:23.6%;AMZN:17.2%;BND:21.3%;BRK.B:14.0%;MUB:23.9%,US:64.0;EU:18.5;APAC:12.5;EM:3.4;Other:1.6,Value:+0.4;Growth:+0.3;Quality:+0.9;Size:-0.4;Momentum:+1.0;LowVol:-0.3,ESGOnly;NoDerivatives,10,35,3.9,hard 10%,112,19.2,Bear,32.4,3.41,1.8,149,-49,25,71,true,Reduce,"Cut high-beta by 2-3%, add cash",17,-7,BrokerD,MKT,100,Drift>tolerance,Reduce,Allocation drift beyond policy bands,15,13,113,4,false,Monitor dispersion and breadth
P0934,Active,401k,USD,2025-10-05,1498428,103949,1394479,1.0,53.0,18.2,22.6,6.2,QQQ:20.7%;MSFT:12.6%;TLT:19.1%;MUB:16.0%;VTI:12.1%;VOO:19.5%,US:61.6;EU:18.6;APAC:8.9;EM:10.3;Other:0.6,Value:+0.4;Growth:+0.4;Quality:+0.9;Size:+0.9;Momentum:-0.9;LowVol:-0.3,,7,30,4.4,hard 12%,169,23.3,Bull,14.3,4.02,3.1,101,76,95,33,false,Sell,Trim extended winner -1%,3,13,BrokerA,MKT,89,None,None,Normal monitoring,80,-58,136,4,false,Monitor dispersion and breadth
P0935,Cautious,Taxable,USD,2025-07-20,598531,58096,540435,1.0,41.0,42.9,0.0,16.0,IEF:22.1%;TLT:22.1%;VTI:20.4%;BND:13.4%;TSLA:22.1%,US:71.0;EU:7.6;APAC:11.9;EM:9.2;Other:0.4,Value:+0.4;Growth:-0.0;Quality:-0.9;Size:+0.5;Momentum:-0.4;LowVol:-0.0,MaxPos5%;NoDerivatives;NoMargin,7,30,4.3,trailing 8%,142,15.2,Sideways,14.1,3.84,2.2,105,-28,40,33,false,Rebalance,Shift +1% to bonds from equity,25,-15,BrokerB,LMT,92,None,None,Normal monitoring,21,-7,-16,5,false,Within IPS guidelines
P0936,Opportunistic,Roth,USD,2024-09-08,1287612,109439,1178173,1.0,65.9,21.7,5.2,7.2,AAPL:35.3%;MUB:35.3%;TLT:29.4%,US:60.5;EU:19.8;APAC:9.1;EM:8.6;Other:2.0,Value:+0.8;Growth:-0.3;Quality:-0.1;Size:-0.8;Momentum:+0.8;LowVol:-0.2,,10,35,5.2,hard 12%,234,34.6,Sideways,14.1,3.63,2.9,98,12,62,41,false,Rebalance,Shift +1% to bonds from equity,27,-38,BrokerD,MKT,97,None,None,Normal monitoring,76,-44,86,4,false,Tighten stops on momentum names
P0937,Hands-off,Roth,USD,2025-06-14,860183,47069,813114,1.0,66.1,25.0,2.8,6.1,TLT:28.0%;VNQ:16.1%;BND:28.0%;GLD:28.0%,US:74.7;EU:9.9;APAC:6.1;EM:5.9;Other:3.4,Value:-0.1;Growth:+0.2;Quality:+0.9;Size:+0.4;Momentum:+0.8;LowVol:+0.1,NoDerivatives,5,25,3.3,trailing 8%,165,18.4,Sideways,15.2,4.09,2.3,121,-20,50,50,false,Hedge,Add TLT +1% as duration hedge,29,2,BrokerC,LMT,92,None,None,Normal monitoring,31,-38,82,3,false,Tax-aware sells next window
P0938,Hands-off,Trust,USD,2025-06-20,443172,22370,420802,1.0,59.3,23.3,7.8,9.6,BND:33.3%;XLF:33.3%;TSLA:33.3%,US:70.9;EU:11.9;APAC:11.0;EM:3.8;Other:2.4,Value:+0.2;Growth:-0.6;Quality:+1.0;Size:-0.9;Momentum:+0.1;LowVol:+0.4,,10,30,4.7,hard 10%,123,19.1,Volatile,24.2,4.02,2.1,142,55,73,63,false,Rebalance,Shift +1% to bonds from equity,-2,-19,BrokerC,MKT,86,None,None,Normal monitoring,-28,12,0,4,false,Monitor dispersion and breadth
P0939,Hands-off,Roth,USD,2025-02-16,358829,22276,336553,1.0,57.7,28.9,5.0,8.4,GLD:33.3%;BRK.B:33.3%;AMZN:33.3%,US:66.9;EU:8.3;APAC:13.9;EM:8.9;Other:2.1,Value:-0.7;Growth:-0.5;Quality:-0.3;Size:+0.2;Momentum:-0.6;LowVol:+0.6,,5,35,5.8,trailing 8%,138,16.2,Bear,30.4,3.67,1.8,159,-57,30,65,false,Rebalance,Shift +1% to bonds from equity,-2,-27,BrokerC,VWAP,88,None,None,Normal monitoring,-35,-53,-12,4,false,Monitor dispersion and breadth
P0940,Hands-off,Trust,USD,2024-08-05,636532,47350,589182,1.0,69.5,25.2,0.0,5.2,VTI:20.1%;VOO:21.8%;BRK.B:16.8%;QQQ:9.6%;TSLA:21.8%;HYG:9.8%,US:63.0;EU:19.2;APAC:8.6;EM:9.2;Other:0.0,Value:-0.2;Growth:+0.8;Quality:-0.7;Size:-0.7;Momentum:+0.7;LowVol:-0.6,ESGOnly;MaxPos7%,5,25,4.9,trailing 8%,133,15.7,Sideways,19.7,3.52,3.1,91,41,66,52,false,Rebalance,Shift +1% to bonds from equity,9,-39,BrokerB,VWAP,89,None,None,Normal monitoring,-40,12,42,3,false,Tighten stops on momentum names
P0941,Active,Taxable,USD,2024-10-17,787721,48437,739284,1.0,66.2,18.5,8.0,7.3,GLD:22.0%;VTI:18.2%;IEF:22.0%;AAPL:15.7%;AMZN:22.0%,US:63.5;EU:12.5;APAC:11.7;EM:9.0;Other:3.3,Value:+1.0;Growth:-0.7;Quality:+0.1;Size:+0.1;Momentum:-0.1;LowVol:-0.5,MaxPos6%;NoDerivatives,7,30,5.5,trailing 8%,213,17.2,Volatile,28.4,4.13,4.0,174,19,66,83,true,Hedge,Buy index puts 1% notional,15,-22,BrokerD,MKT,88,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-25,9,-52,4,false,Tax-aware sells next window
P0942,Systematic,Roth,USD,2025-12-15,1241580,91769,1149811,1.0,55.1,33.2,2.1,9.6,MUB:33.3%;BND:33.3%;TLT:33.3%,US:66.6;EU:9.9;APAC:6.4;EM:11.1;Other:6.1,Value:-0.6;Growth:-0.8;Quality:-0.6;Size:-0.5;Momentum:+0.2;LowVol:+0.9,,8,30,5.9,trailing 8%,141,21.4,Sideways,20.4,4.48,3.5,121,13,67,52,false,Hedge,Add TLT +1% as duration hedge,28,13,BrokerD,MKT,85,None,None,Normal monitoring,23,-16,16,3,false,Tighten stops on momentum names
P0943,Opportunistic,401k,USD,2024-12-31,440264,31027,409237,1.23,64.0,18.4,9.7,7.9,TSLA:26.5%;HYG:22.2%;BND:26.5%;BRK.B:24.8%,US:63.7;EU:15.9;APAC:10.8;EM:8.1;Other:1.5,Value:-0.5;Growth:+0.4;Quality:+1.0;Size:-0.5;Momentum:-0.8;LowVol:-0.6,,5,30,5.1,trailing 9%,192,32.5,Bull,17.0,4.73,2.4,114,46,65,61,false,Rebalance,Shift +1% to bonds from equity,13,-31,BrokerC,MKT,93,None,None,Normal monitoring,82,-50,46,5,false,Within IPS guidelines
P0944,Active,401k,USD,2024-12-14,1600871,175265,1425606,1.13,53.8,23.3,16.2,6.6,AMZN:16.4%;XLF:23.4%;IEF:23.4%;TLT:13.4%;MUB:23.4%,US:70.7;EU:19.2;APAC:5.6;EM:4.0;Other:0.4,Value:-0.7;Growth:-0.4;Quality:+1.0;Size:+0.8;Momentum:+0.6;LowVol:-0.7,MaxPos5%,7,30,5.4,trailing 8%,195,20.3,Bear,23.8,4.46,1.4,130,-52,32,50,false,Rebalance,Shift +1% to bonds from equity,18,-20,BrokerC,MKT,88,None,None,Normal monitoring,-34,2,-8,4,false,Tighten stops on momentum names
P0945,Active,Roth,USD,2025-10-27,1620332,129381,1490951,1.0,56.9,18.0,18.6,6.4,VNQ:23.9%;AMZN:10.2%;MUB:14.5%;TSLA:11.3%;QQQ:16.2%;VTI:23.9%,US:59.5;EU:17.2;APAC:12.0;EM:8.0;Other:3.3,Value:-0.5;Growth:-0.7;Quality:+0.2;Size:+0.9;Momentum:+1.0;LowVol:-0.4,,7,30,5.0,hard 12%,226,16.6,Bull,16.7,3.55,2.9,80,116,95,54,false,Buy,Add to core equity +1%,14,-25,BrokerC,LMT,95,None,None,Normal monitoring,-33,8,-44,4,false,Within IPS guidelines
P0946,Hands-off,401k,USD,2025-02-05,810223,72457,737766,1.0,69.6,20.6,0.7,9.1,VTI:19.9%;BND:23.3%;AAPL:10.3%;TSLA:23.3%;GLD:23.3%,US:69.0;EU:9.6;APAC:11.2;EM:8.2;Other:2.1,Value:-0.6;Growth:-0.2;Quality:-0.5;Size:+0.2;Momentum:+0.8;LowVol:+0.3,ESGOnly;MaxPos5%,10,25,4.2,trailing 8%,112,18.6,Bull,17.4,4.71,2.0,88,93,100,62,false,Buy,Add to core equity +1%,32,3,BrokerD,VWAP,85,None,None,Normal monitoring,96,15,162,4,false,Tighten stops on momentum names
P0947,Systematic,Trust,USD,2025-11-11,483918,36715,447203,1.0,61.7,29.1,0.0,9.2,GLD:23.6%;TSLA:20.8%;AAPL:14.3%;MSFT:23.6%;QQQ:17.6%,US:64.1;EU:13.1;APAC:8.8;EM:9.8;Other:4.3,Value:+0.4;Growth:+0.7;Quality:+0.2;Size:+0.4;Momentum:+0.6;LowVol:-0.1,,6,25,4.3,trailing 8%,179,21.9,Bull,11.9,4.89,2.8,109,28,51,45,false,Sell,Trim extended winner -1%,18,-40,BrokerA,LMT,87,None,None,Normal monitoring,-51,-13,-76,5,false,Tax-aware sells next window
P0948,Active,Taxable,USD,2025-02-17,1962540,202309,1760231,1.15,53.1,20.2,21.2,5.5,AMZN:16.7%;TLT:22.1%;VOO:22.1%;MSFT:19.9%;TSLA:19.3%,US:67.7;EU:16.0;APAC:8.2;EM:5.9;Other:2.2,Value:+0.4;Growth:-0.7;Quality:-0.2;Size:-0.6;Momentum:-0.9;LowVol:-0.8,MaxPos7%,5,35,4.5,trailing 9%,160,23.4,Volatile,22.0,4.41,3.0,144,-4,59,48,false,Sell,Trim extended winner -1%,20,-5,BrokerA,MKT,93,None,None,Normal monitoring,60,-39,35,3,false,Tighten stops on momentum names
P0949,Cautious,Taxable,USD,2025-09-05,197240,28724,168516,1.0,43.0,36.9,8.5,11.7,MSFT:35.5%;TSLA:29.1%;VTI:35.5%,US:65.4;EU:9.9;APAC:15.2;EM:8.9;Other:0.5,Value:+0.9;Growth:-0.5;Quality:+0.7;Size:+0.5;Momentum:+0.8;LowVol:-0.6,NoMargin,6,35,4.0,hard 10%,121,17.1,Volatile,27.3,5.28,2.8,117,12,68,70,false,NoAction,Within bands; monitor,28,3,BrokerD,MKT,0,None,None,Normal monitoring,28,-32,130,4,false,Tax-aware sells next window
P0950,Opportunistic,IRA,USD,2025-01-14,347368,22630,324738,1.0,64.9,19.1,8.1,7.9,VNQ:33.0%;BND:33.5%;GLD:33.5%,US:71.4;EU:6.4;APAC:13.2;EM:5.4;Other:3.6,Value:-0.5;Growth:-0.9;Quality:-0.6;Size:-0.1;Momentum:+0.7;LowVol:-1.0,,10,35,6.5,hard 12%,253,26.6,Volatile,23.7,3.58,3.8,115,-34,18,74,true,Hedge,Buy index puts 1% notional,6,-35,BrokerA,MKT,87,Drift>tolerance,Hedge,Allocation drift beyond policy bands,78,10,158,3,false,Within IPS guidelines
P0951,Active,Roth,USD,2025-07-21,1304070,101190,1202880,1.16,59.2,28.9,5.0,6.9,XLF:23.3%;AMZN:11.1%;VTI:23.3%;GLD:19.2%;VNQ:23.3%,US:65.0;EU:17.3;APAC:10.7;EM:6.5;Other:0.5,Value:+0.2;Growth:+0.7;Quality:0.0;Size:-0.8;Momentum:+0.6;LowVol:-0.0,MaxPos6%,7,35,4.9,hard 12%,215,22.6,Volatile,22.4,5.08,4.3,156,-59,11,63,false,Sell,Trim extended winner -1%,20,-21,BrokerA,MKT,85,None,None,Normal monitoring,22,-43,32,3,false,Within IPS guidelines
P0952,Active,Roth,USD,2025-03-28,1495429,114340,1381089,1.0,55.7,27.3,10.2,6.7,VOO:25.8%;AAPL:22.5%;QQQ:25.8%;XLF:25.8%,US:64.2;EU:14.7;APAC:9.2;EM:10.8;Other:1.0,Value:+0.9;Growth:-0.3;Quality:+0.4;Size:+0.8;Momentum:-0.7;LowVol:+0.1,,10,30,5.3,hard 12%,150,23.3,Bear,32.1,4.25,2.7,220,-43,29,71,true,Rebalance,Rebalance back to target bands,31,0,BrokerB,LMT,96,Drift>tolerance,Hedge,Allocation drift beyond policy bands,8,13,67,3,false,Tax-aware sells next window
P0953,Active,Roth,USD,2025-05-03,777911,67431,710480,1.0,59.7,21.8,8.8,9.6,QQQ:23.0%;MSFT:16.1%;VNQ:9.7%;HYG:13.2%;BRK.B:23.0%;IEF:15.0%,US:66.8;EU:14.2;APAC:12.9;EM:5.7;Other:0.4,Value:-0.6;Growth:-0.4;Quality:+0.1;Size:+0.9;Momentum:-0.8;LowVol:+0.9,MaxPos5%,6,35,5.6,hard 12%,153,20.6,Volatile,30.7,5.49,4.0,163,52,66,68,false,Rebalance,Shift +1% to bonds from equity,23,-21,BrokerB,LMT,95,None,None,Normal monitoring,38,-23,4,5,false,Within IPS guidelines
P0954,Opportunistic,IRA,USD,2024-07-05,1456399,100961,1355438,1.0,70.2,18.3,7.5,4.0,TLT:35.7%;VTI:28.6%;IEF:35.7%,US:66.6;EU:11.2;APAC:11.3;EM:9.9;Other:1.1,Value:-0.7;Growth:+0.7;Quality:-0.0;Size:-0.9;Momentum:+0.4;LowVol:-0.1,MaxPos6%,6,25,6.5,hard 12%,235,33.6,Bear,34.5,3.67,1.8,189,20,47,95,true,Rebalance,Rebalance back to target bands,5,1,BrokerC,LMT,96,VAR>budget,Hedge,Risk above budget threshold,52,-1,78,3,false,Tighten stops on momentum names
P0955,Opportunistic,Trust,USD,2025-09-19,1442544,79104,1363440,1.23,76.0,14.6,4.5,5.0,MUB:26.3%;AMZN:26.3%;TLT:21.2%;MSFT:26.3%,US:60.2;EU:16.9;APAC:8.1;EM:10.3;Other:4.5,Value:-0.5;Growth:+0.6;Quality:-0.1;Size:-0.3;Momentum:+0.4;LowVol:-0.4,,5,30,6.9,trailing 7%,268,30.6,Sideways,14.0,3.71,3.5,132,15,63,61,false,Rebalance,Shift +1% to bonds from equity,8,-28,BrokerC,LMT,85,None,None,Normal monitoring,110,19,98,3,false,Tighten stops on momentum names
P0956,Opportunistic,Trust,USD,2025-11-14,970561,51024,919537,1.0,68.1,16.0,11.3,4.5,TLT:33.3%;HYG:33.3%;QQQ:33.3%,US:74.5;EU:5.0;APAC:9.9;EM:7.5;Other:3.1,Value:+0.8;Growth:-0.2;Quality:+0.5;Size:-0.2;Momentum:+0.4;LowVol:+0.6,,8,30,6.5,trailing 7%,190,21.7,Sideways,15.4,3.94,2.8,112,18,62,48,false,NoAction,Within bands; monitor,2,6,BrokerC,MKT,0,None,None,Normal monitoring,63,-6,123,5,false,Within IPS guidelines
P0957,Cautious,401k,USD,2025-01-02,449759,40651,409108,1.0,43.0,42.8,3.6,10.7,TLT:17.6%;GLD:27.5%;BRK.B:27.5%;AAPL:27.5%,US:64.9;EU:10.4;APAC:11.4;EM:10.9;Other:2.5,Value:+0.2;Growth:+0.4;Quality:-0.0;Size:+0.3;Momentum:-0.0;LowVol:+0.6,ESGOnly;MaxPos5%;NoDerivatives;NoMargin,8,35,3.4,trailing 8%,164,15.2,Volatile,20.9,4.91,2.4,153,32,66,50,false,Hedge,Add TLT +1% as duration hedge,34,8,BrokerD,VWAP,93,None,None,Normal monitoring,-36,-36,81,5,false,Within IPS guidelines
P0958,Cautious,IRA,USD,2025-04-30,260188,35675,224513,1.0,54.6,30.1,1.0,14.3,TLT:24.4%;QQQ:24.4%;BRK.B:18.3%;HYG:8.7%;IEF:24.4%,US:69.9;EU:11.5;APAC:13.5;EM:4.3;Other:0.9,Value:-0.1;Growth:-0.5;Quality:0.0;Size:+0.6;Momentum:+0.6;LowVol:-0.7,ESGOnly;NoMargin,5,30,4.3,hard 10%,144,19.4,Bull,16.6,4.45,2.7,83,31,61,54,false,NoAction,Within bands; monitor,19,2,BrokerD,MKT,0,None,None,Normal monitoring,116,-8,209,3,false,Increase defensive factor exposure
P0959,Systematic,401k,USD,2025-04-07,1799147,138151,1660996,1.0,66.5,24.8,3.5,5.1,BRK.B:8.5%;TSLA:10.0%;AAPL:21.4%;QQQ:21.4%;GLD:21.4%;AMZN:17.2%,US:69.4;EU:14.8;APAC:11.0;EM:3.5;Other:1.2,Value:-0.9;Growth:-0.4;Quality:+0.6;Size:-1.0;Momentum:-0.9;LowVol:+0.2,NoDerivatives,10,25,4.2,hard 12%,168,21.7,Sideways,21.9,4.73,2.3,94,21,67,61,false,Rebalance,Shift +1% to bonds from equity,28,-24,BrokerB,LMT,96,None,None,Normal monitoring,-48,-39,-80,4,false,Tighten stops on momentum names
P0960,Systematic,Trust,USD,2025-04-22,1598852,79663,1519189,1.0,61.4,33.6,0.0,5.1,XLF:11.4%;BND:22.4%;GLD:22.4%;MUB:21.3%;MSFT:22.4%,US:61.6;EU:18.4;APAC:13.6;EM:3.1;Other:3.3,Value:+0.4;Growth:+0.4;Quality:+0.2;Size:+0.5;Momentum:+0.9;LowVol:-0.2,,5,35,4.4,hard 12%,123,22.4,Bull,13.3,4.46,3.1,97,6,62,45,false,Sell,Trim extended winner -1%,23,10,BrokerC,LMT,85,None,None,Normal monitoring,-20,-27,-14,5,false,Tighten stops on momentum names
P0961,Cautious,Taxable,USD,2025-03-26,774721,86693,688028,1.0,36.2,35.2,11.3,17.3,QQQ:27.5%;IEF:27.5%;VOO:25.8%;VTI:19.2%,US:63.4;EU:21.9;APAC:10.9;EM:3.6;Other:0.2,Value:+1.0;Growth:-0.5;Quality:+0.7;Size:-0.2;Momentum:+0.7;LowVol:-0.0,NoMargin,7,25,3.1,trailing 8%,160,19.1,Sideways,16.8,4.64,3.4,99,-17,49,29,false,Hedge,Add TLT +1% as duration hedge,-15,-9,BrokerB,MKT,91,None,None,Normal monitoring,-48,-19,-31,3,false,Monitor dispersion and breadth
P0962,Opportunistic,401k,USD,2025-05-05,540334,37556,502778,1.0,62.3,11.1,20.1,6.5,VTI:35.0%;VOO:35.0%;BRK.B:30.1%,US:59.2;EU:18.3;APAC:7.9;EM:9.9;Other:4.7,Value:+0.7;Growth:+0.3;Quality:+0.5;Size:-0.1;Momentum:-0.9;LowVol:+0.9,NoDerivatives,5,35,4.2,trailing 7%,264,21.1,Bear,30.3,3.58,2.7,171,-100,5,79,true,Rebalance,Rebalance back to target bands,27,-27,BrokerB,LMT,97,VAR>budget,Hedge,Risk above budget threshold,65,3,51,5,false,Increase defensive factor exposure
P0963,Opportunistic,IRA,USD,2025-03-04,407372,21057,386315,1.0,62.1,19.6,12.1,6.2,VTI:18.0%;MUB:17.4%;IEF:22.8%;TSLA:22.8%;VOO:19.0%,US:53.4;EU:21.1;APAC:12.4;EM:10.1;Other:2.9,Value:-1.0;Growth:-0.9;Quality:-0.7;Size:-0.9;Momentum:+0.6;LowVol:+0.7,,8,35,5.8,trailing 9%,252,24.2,Volatile,26.8,3.97,3.6,157,-55,7,76,true,Reduce,"Cut high-beta by 2-3%, add cash",1,-11,BrokerC,LMT,96,VAR>budget,Pause,Risk above budget threshold,82,13,71,5,false,Within IPS guidelines
P0964,Active,401k,USD,2024-08-21,1794393,167850,1626543,1.09,56.0,20.6,18.0,5.4,AAPL:19.4%;BRK.B:23.3%;IEF:23.3%;XLF:10.7%;MSFT:23.3%,US:69.8;EU:13.1;APAC:8.2;EM:6.4;Other:2.4,Value:+0.7;Growth:-0.7;Quality:-0.6;Size:+0.3;Momentum:+0.1;LowVol:-0.2,,6,35,4.1,hard 12%,229,24.1,Sideways,15.5,3.78,2.6,136,-24,35,38,false,Rebalance,Shift +1% to bonds from equity,24,-35,BrokerC,VWAP,86,None,None,Normal monitoring,36,-38,28,5,false,Increase defensive factor exposure
P0965,Cautious,Trust,USD,2025-06-12,842939,81971,760968,1.0,46.2,33.2,2.6,17.9,TSLA:17.5%;AAPL:24.2%;TLT:23.7%;QQQ:16.2%;VOO:18.4%,US:65.2;EU:9.2;APAC:15.2;EM:10.2;Other:0.1,Value:0.0;Growth:+0.8;Quality:-0.5;Size:-0.0;Momentum:-0.4;LowVol:-0.2,ESGOnly;MaxPos6%;NoMargin,5,25,3.4,hard 10%,105,13.5,Bull,11.9,4.34,3.4,108,95,94,41,false,NoAction,Within bands; monitor,13,-37,BrokerB,LMT,95,None,None,Normal monitoring,82,-34,191,5,false,Tax-aware sells next window
P0966,Hands-off,IRA,USD,2025-01-23,730325,37762,692563,1.0,67.2,19.8,3.8,9.2,XLF:10.1%;QQQ:18.9%;MUB:20.3%;HYG:13.4%;VNQ:17.1%;AMZN:20.3%,US:66.2;EU:10.7;APAC:11.8;EM:9.0;Other:2.4,Value:-0.3;Growth:-0.6;Quality:+0.9;Size:-0.6;Momentum:-0.4;LowVol:+0.6,,7,35,5.3,hard 10%,149,12.6,Bear,34.7,3.33,2.4,141,-108,5,99,true,Hedge,Buy index puts 1% notional,27,-20,BrokerA,LMT,97,VAR>budget,TightenStops,Risk above budget threshold,-34,19,-36,4,true,Increase defensive factor exposure
P0967,Active,Trust,USD,2025-09-25,1127944,105082,1022862,1.0,55.5,19.1,16.7,8.7,QQQ:25.9%;HYG:22.2%;TSLA:25.9%;TLT:25.9%,US:58.0;EU:12.0;APAC:15.1;EM:10.0;Other:4.9,Value:+1.0;Growth:-0.2;Quality:-0.1;Size:+0.6;Momentum:-0.1;LowVol:+0.7,,6,25,5.3,trailing 9%,229,23.7,Bull,16.6,4.4,3.4,104,14,44,41,false,Buy,Add to core equity +1%,-4,-22,BrokerC,MKT,100,None,None,Normal monitoring,21,-54,102,4,false,Within IPS guidelines
P0968,Active,IRA,USD,2025-11-12,2089917,192253,1897664,1.0,62.1,21.4,8.0,8.5,MSFT:25.0%;VOO:25.0%;HYG:25.0%;IEF:25.0%,US:70.5;EU:7.6;APAC:8.9;EM:8.5;Other:4.5,Value:+0.4;Growth:-0.4;Quality:-0.2;Size:+0.1;Momentum:0.0;LowVol:+0.3,,8,35,5.0,trailing 9%,186,22.2,Sideways,20.9,4.61,2.6,132,15,42,56,true,Hedge,Buy index puts 1% notional,6,5,BrokerB,MKT,85,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-11,-25,-40,4,false,Monitor dispersion and breadth
P0969,Opportunistic,Taxable,USD,2024-10-09,968362,31042,937320,1.0,63.7,20.6,7.2,8.5,TSLA:19.3%;MSFT:12.5%;BND:11.3%;AMZN:20.3%;AAPL:19.6%;BRK.B:16.9%,US:70.0;EU:8.3;APAC:7.6;EM:10.1;Other:4.0,Value:+0.5;Growth:-0.3;Quality:+0.6;Size:+0.4;Momentum:+0.3;LowVol:-0.7,MaxPos5%;NoDerivatives,10,30,5.2,hard 12%,254,23.9,Volatile,22.2,4.68,4.1,175,72,72,72,true,Reduce,"Cut high-beta by 2-3%, add cash",32,1,BrokerC,LMT,91,VAR>budget,Reduce,Risk above budget threshold,-42,-43,-37,4,false,Tax-aware sells next window
P0970,Active,401k,USD,2025-08-25,1174030,81652,1092378,1.2,57.7,26.8,6.2,9.3,BND:22.5%;BRK.B:13.6%;MUB:19.0%;HYG:22.5%;VNQ:22.5%,US:63.6;EU:14.9;APAC:15.7;EM:3.4;Other:2.3,Value:-1.0;Growth:+0.2;Quality:+1.0;Size:-0.5;Momentum:+0.6;LowVol:-0.7,NoDerivatives,6,35,5.3,trailing 8%,171,24.2,Bull,14.0,4.56,3.1,83,17,62,52,false,Rebalance,Shift +1% to bonds from equity,23,-9,BrokerC,LMT,98,None,None,Normal monitoring,-39,5,-28,4,false,Tax-aware sells next window
P0971,Active,IRA,USD,2024-08-10,2026815,239550,1787265,1.0,50.8,21.1,19.9,8.3,TLT:10.5%;BRK.B:10.5%;TSLA:16.3%;BND:19.7%;AMZN:21.5%;VOO:21.5%,US:69.2;EU:10.1;APAC:6.8;EM:9.4;Other:4.5,Value:+0.2;Growth:+0.4;Quality:-0.7;Size:+0.7;Momentum:+0.5;LowVol:-0.6,NoDerivatives,5,30,4.6,trailing 8%,128,25.6,Bull,13.1,4.09,2.0,75,101,85,45,false,Rebalance,Shift +1% to bonds from equity,-5,0,BrokerA,MKT,88,None,None,Normal monitoring,-27,-23,40,4,false,Tighten stops on momentum names
P0972,Hands-off,Roth,USD,2025-05-28,257372,10806,246566,1.0,67.4,26.5,0.0,6.1,GLD:19.6%;IEF:18.9%;TSLA:14.9%;MSFT:13.9%;VTI:10.0%;MUB:22.7%,US:62.4;EU:18.3;APAC:7.0;EM:8.9;Other:3.4,Value:-0.8;Growth:-0.5;Quality:-0.8;Size:-0.3;Momentum:+0.5;LowVol:-0.1,ESGOnly;MaxPos8%,6,35,5.5,hard 10%,161,16.7,Sideways,15.9,4.49,3.0,110,45,80,48,false,NoAction,Within bands; monitor,-9,3,BrokerA,MKT,0,None,None,Normal monitoring,-17,-11,102,4,false,Increase defensive factor exposure
P0973,Systematic,IRA,USD,2025-09-04,1801488,99785,1701703,1.0,63.5,27.3,0.0,9.2,AAPL:23.5%;GLD:22.7%;AMZN:23.5%;BND:19.9%;TSLA:10.4%,US:69.2;EU:10.1;APAC:12.6;EM:4.0;Other:4.1,Value:+0.6;Growth:+0.7;Quality:+0.4;Size:-0.9;Momentum:-0.9;LowVol:+0.7,MaxPos5%,6,25,4.2,trailing 8%,160,22.2,Bear,31.0,3.21,1.9,214,-24,35,82,true,Hedge,Buy index puts 1% notional,31,13,BrokerD,MKT,98,VAR>budget,Reduce,Risk above budget threshold,-22,-22,-40,5,true,Monitor dispersion and breadth
P0974,Hands-off,Roth,USD,2025-06-29,784697,38512,746185,1.0,66.6,23.4,2.3,7.7,BRK.B:19.0%;XLF:20.0%;HYG:16.2%;MUB:8.3%;MSFT:18.3%;QQQ:18.3%,US:74.4;EU:12.8;APAC:5.6;EM:4.6;Other:2.7,Value:-0.4;Growth:-0.2;Quality:-0.9;Size:-1.0;Momentum:-0.7;LowVol:+0.1,NoDerivatives,7,30,3.2,hard 10%,138,15.2,Volatile,21.6,4.58,3.6,134,52,84,54,false,Buy,Add to core equity +1%,23,-15,BrokerB,VWAP,100,None,None,Normal monitoring,99,6,149,4,false,Within IPS guidelines
P0975,Cautious,Taxable,USD,2024-11-06,528787,83777,445010,1.0,40.1,34.9,7.5,17.5,GLD:25.6%;QQQ:25.6%;AMZN:17.4%;AAPL:20.3%;IEF:11.1%,US:68.0;EU:14.5;APAC:7.8;EM:8.5;Other:1.3,Value:-0.3;Growth:+1.0;Quality:-0.6;Size:+0.9;Momentum:-0.8;LowVol:-0.0,MaxPos6%;NoMargin,10,25,5.4,trailing 8%,127,13.5,Sideways,19.1,4.5,2.0,90,-27,23,51,true,Hedge,Buy index puts 1% notional,34,2,BrokerB,MKT,85,VAR>budget,Reduce,Risk above budget threshold,-21,-44,50,2,false,Monitor dispersion and breadth
P0976,Active,Trust,USD,2025-01-24,1319513,106757,1212756,1.0,57.5,26.9,10.3,5.3,TSLA:25.0%;VNQ:25.0%;MUB:25.0%;VOO:25.0%,US:72.3;EU:8.8;APAC:11.2;EM:4.3;Other:3.4,Value:+0.3;Growth:+0.9;Quality:-0.2;Size:+0.5;Momentum:+0.7;LowVol:+0.3,,7,30,4.5,trailing 9%,168,23.6,Bull,15.6,3.55,2.8,97,91,82,49,false,Sell,Trim extended winner -1%,31,-22,BrokerD,LMT,85,None,None,Normal monitoring,37,-13,91,4,false,Tax-aware sells next window
P0977,Active,Taxable,USD,2025-04-24,1401269,154704,1246565,1.0,54.4,22.8,15.5,7.3,MSFT:22.3%;IEF:28.7%;BRK.B:20.3%;VTI:28.7%,US:70.5;EU:10.9;APAC:6.8;EM:10.7;Other:1.2,Value:0.0;Growth:-0.9;Quality:+0.1;Size:+0.1;Momentum:-0.0;LowVol:-0.3,MaxPos7%;NoDerivatives,7,30,5.6,trailing 8%,206,19.7,Bull,17.8,4.9,3.1,89,84,100,52,false,Buy,Add to core equity +1%,16,-17,BrokerA,MKT,92,None,None,Normal monitoring,50,-4,49,5,false,Monitor dispersion and breadth
P0978,Hands-off,401k,USD,2025-10-08,502638,49495,453143,1.0,58.5,20.1,14.8,6.6,TLT:33.3%;BND:33.3%;VNQ:33.3%,US:70.6;EU:6.2;APAC:7.0;EM:11.0;Other:5.3,Value:-0.1;Growth:+0.3;Quality:-0.5;Size:-0.9;Momentum:-0.9;LowVol:-0.7,,6,25,4.7,trailing 10%,119,18.6,Bear,24.9,3.53,2.0,142,10,70,67,false,Hedge,Add TLT +1% as duration hedge,-11,-12,BrokerC,LMT,96,None,None,Normal monitoring,120,-29,118,3,false,Increase defensive factor exposure
P0979,Cautious,Taxable,USD,2025-12-17,217863,18638,199225,1.0,50.3,32.6,3.5,13.6,QQQ:25.9%;GLD:25.9%;VOO:22.2%;HYG:25.9%,US:73.7;EU:10.5;APAC:10.7;EM:4.7;Other:0.3,Value:-0.9;Growth:+0.3;Quality:-0.5;Size:+0.6;Momentum:+0.2;LowVol:+0.7,MaxPos7%;NoMargin,5,25,3.8,trailing 8%,159,12.5,Bear,33.4,3.03,1.9,164,-65,28,76,true,Hedge,Buy index puts 1% notional,23,-1,BrokerB,LMT,95,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-58,-38,-70,2,false,Tighten stops on momentum names
P0980,Cautious,Roth,USD,2024-09-10,433371,53653,379718,1.0,44.5,42.4,0.0,13.2,TSLA:17.7%;TLT:16.9%;BND:21.8%;MSFT:21.8%;HYG:21.8%,US:67.8;EU:6.7;APAC:15.2;EM:5.1;Other:5.2,Value:+0.4;Growth:+0.4;Quality:-0.2;Size:-0.4;Momentum:+0.6;LowVol:-0.7,ESGOnly;NoDerivatives;NoMargin,7,35,3.7,trailing 8%,114,16.1,Bull,15.2,3.77,2.4,117,65,78,32,false,NoAction,Within bands; monitor,24,-31,BrokerC,MKT,0,None,None,Normal monitoring,-60,-2,-31,3,false,Within IPS guidelines
P0981,Cautious,IRA,USD,2025-05-12,807509,120988,686521,1.0,39.3,34.0,15.1,11.7,HYG:23.0%;AMZN:22.2%;MSFT:23.0%;AAPL:12.1%;VOO:19.6%,US:67.8;EU:15.3;APAC:9.5;EM:5.9;Other:1.5,Value:+0.8;Growth:+1.0;Quality:-0.8;Size:-0.2;Momentum:+0.8;LowVol:+0.4,ESGOnly;NoMargin,5,35,3.3,trailing 8%,122,15.8,Bear,28.4,3.89,1.3,177,5,59,62,false,Sell,Trim extended winner -1%,-2,3,BrokerC,LMT,85,None,None,Normal monitoring,-52,7,28,4,false,Tighten stops on momentum names
P0982,Active,IRA,USD,2025-03-30,2238955,176892,2062063,1.0,56.3,28.4,7.0,8.3,AAPL:32.9%;GLD:33.5%;MUB:33.5%,US:62.5;EU:17.2;APAC:9.3;EM:5.1;Other:5.8,Value:+0.9;Growth:+0.3;Quality:+0.7;Size:+0.3;Momentum:-0.9;LowVol:-0.3,MaxPos5%;NoDerivatives,5,35,4.9,trailing 9%,196,24.7,Bull,12.4,4.35,3.4,88,39,66,43,false,Hedge,Add TLT +1% as duration hedge,16,-35,BrokerA,MKT,93,None,None,Normal monitoring,65,-9,152,4,false,Tax-aware sells next window
P0983,Active,Taxable,USD,2025-02-23,811421,50527,760894,1.0,59.7,23.7,8.6,8.0,TSLA:33.3%;VOO:33.3%;VNQ:33.3%,US:73.3;EU:9.0;APAC:5.5;EM:7.5;Other:4.7,Value:-0.5;Growth:-0.6;Quality:+0.7;Size:+0.3;Momentum:+0.1;LowVol:+0.9,,6,35,4.2,trailing 8%,159,22.6,Sideways,17.7,4.05,2.4,126,22,74,58,false,Rebalance,Shift +1% to bonds from equity,31,-4,BrokerC,LMT,97,None,None,Normal monitoring,0,17,-11,5,false,Tighten stops on momentum names
P0984,Systematic,Taxable,USD,2024-12-07,1769445,129559,1639886,1.0,61.5,23.3,6.0,9.2,TLT:33.3%;MSFT:33.3%;MUB:33.3%,US:71.1;EU:15.6;APAC:8.6;EM:3.4;Other:1.3,Value:+0.8;Growth:+0.4;Quality:-0.4;Size:+0.5;Momentum:+0.4;LowVol:-0.5,MaxPos5%,5,25,4.8,trailing 9%,205,18.9,Volatile,24.4,4.84,3.3,154,-10,54,67,false,Rebalance,Shift +1% to bonds from equity,11,-21,BrokerB,MKT,100,None,None,Normal monitoring,109,-22,211,5,false,Within IPS guidelines
P0985,Active,401k,USD,2025-08-21,1710318,174976,1535342,1.0,55.9,29.8,8.1,6.2,MUB:21.5%;VTI:21.8%;AAPL:20.0%;XLF:21.8%;IEF:14.9%,US:60.9;EU:19.1;APAC:6.9;EM:9.6;Other:3.6,Value:-0.4;Growth:+0.2;Quality:+0.3;Size:-0.2;Momentum:+1.0;LowVol:-0.6,,7,25,4.3,trailing 8%,227,25.4,Sideways,18.1,4.98,2.6,116,46,77,47,false,Sell,Trim extended winner -1%,0,8,BrokerC,LMT,93,None,None,Normal monitoring,-59,-28,-42,4,false,Tax-aware sells next window
P0986,Active,401k,USD,2025-10-05,514988,55064,459924,1.0,50.1,26.4,14.6,8.8,VOO:15.1%;TLT:16.9%;MSFT:18.2%;VTI:10.6%;VNQ:20.1%;MUB:19.1%,US:70.7;EU:6.8;APAC:15.2;EM:5.0;Other:2.4,Value:-0.3;Growth:-0.4;Quality:+0.3;Size:-0.3;Momentum:+1.0;LowVol:+0.6,MaxPos8%,6,25,4.6,trailing 9%,156,21.6,Bull,14.9,4.32,3.3,110,41,62,41,false,Sell,Trim extended winner -1%,12,-28,BrokerD,MKT,98,None,None,Normal monitoring,109,-39,213,3,false,Tighten stops on momentum names
P0987,Opportunistic,Trust,USD,2025-09-03,1314507,91487,1223020,1.0,66.6,16.5,9.7,7.2,AMZN:25.7%;MSFT:25.7%;TLT:22.9%;GLD:25.7%,US:68.3;EU:11.7;APAC:9.6;EM:9.2;Other:1.2,Value:-0.6;Growth:+0.7;Quality:-0.2;Size:-0.6;Momentum:-0.4;LowVol:+0.1,MaxPos8%,10,35,5.2,trailing 9%,211,28.9,Sideways,16.7,3.93,2.7,113,-26,43,43,false,NoAction,Within bands; monitor,2,13,BrokerD,VWAP,98,None,None,Normal monitoring,54,-24,81,4,false,Within IPS guidelines
P0988,Active,Roth,USD,2025-01-14,627405,54895,572510,1.13,52.6,24.5,15.5,7.4,BRK.B:33.3%;HYG:33.3%;IEF:33.3%,US:71.1;EU:12.8;APAC:5.6;EM:6.9;Other:3.6,Value:+0.4;Growth:-0.3;Quality:-0.7;Size:+0.4;Momentum:-0.5;LowVol:+0.8,,10,30,5.4,trailing 8%,177,17.4,Volatile,22.3,3.61,3.7,142,17,63,62,false,Hedge,Add TLT +1% as duration hedge,-2,-11,BrokerD,VWAP,100,None,None,Normal monitoring,97,-58,226,5,false,Within IPS guidelines
P0989,Cautious,401k,USD,2024-09-19,308413,36047,272366,1.0,50.5,40.1,0.0,9.5,AMZN:33.3%;GLD:33.3%;XLF:33.3%,US:62.0;EU:15.5;APAC:11.3;EM:7.4;Other:3.8,Value:+1.0;Growth:-0.3;Quality:+0.2;Size:0.0;Momentum:+0.2;LowVol:+1.0,ESGOnly;NoDerivatives;NoMargin,7,35,5.7,trailing 8%,150,17.3,Sideways,17.5,4.09,2.5,136,41,55,43,false,Sell,Trim extended winner -1%,-14,-8,BrokerA,LMT,91,None,None,Normal monitoring,65,0,62,5,false,Tax-aware sells next window
P0990,Cautious,Roth,USD,2025-11-28,230185,31980,198205,1.0,46.0,31.6,5.3,17.2,IEF:12.7%;BND:18.0%;AMZN:14.7%;QQQ:17.0%;AAPL:21.6%;BRK.B:16.1%,US:64.1;EU:16.9;APAC:10.5;EM:7.5;Other:1.1,Value:+0.6;Growth:-0.3;Quality:-0.5;Size:+1.0;Momentum:-0.2;LowVol:-0.7,ESGOnly;NoMargin,7,35,3.1,trailing 8%,102,19.6,Sideways,17.5,4.85,2.2,91,50,79,40,false,Hedge,Add TLT +1% as duration hedge,-9,-11,BrokerB,MKT,90,None,None,Normal monitoring,83,-39,143,5,false,Tax-aware sells next window
P0991,Hands-off,Taxable,USD,2024-10-21,297327,12510,284817,1.0,59.3,19.4,11.5,9.8,TLT:22.5%;MUB:22.5%;TSLA:19.1%;BRK.B:22.5%;HYG:13.3%,US:71.2;EU:16.6;APAC:8.3;EM:3.4;Other:0.5,Value:+0.1;Growth:-0.3;Quality:+0.2;Size:-0.0;Momentum:-0.3;LowVol:+0.6,MaxPos5%;NoDerivatives,8,35,3.3,trailing 10%,96,16.3,Volatile,20.5,3.78,3.4,123,18,51,64,false,Sell,Trim extended winner -1%,22,-35,BrokerA,LMT,91,None,None,Normal monitoring,-11,12,61,4,false,Increase defensive factor exposure
P0992,Cautious,IRA,USD,2024-09-28,403097,52546,350551,1.0,48.1,33.8,0.1,17.9,HYG:33.3%;BRK.B:33.3%;GLD:33.3%,US:63.9;EU:8.7;APAC:15.1;EM:10.5;Other:1.8,Value:-0.8;Growth:+0.6;Quality:-0.6;Size:-0.2;Momentum:-0.0;LowVol:+0.7,ESGOnly;NoMargin,7,35,5.2,trailing 10%,92,12.8,Bull,14.6,4.19,2.7,72,101,97,37,false,Sell,Trim extended winner -1%,27,8,BrokerC,MKT,99,None,None,Normal monitoring,2,-37,103,4,false,Monitor dispersion and breadth
P0993,Active,IRA,USD,2024-07-07,2071161,156881,1914280,1.0,59.2,24.8,10.4,5.6,AMZN:16.0%;XLF:13.8%;TLT:22.1%;QQQ:15.3%;VTI:22.1%;AAPL:10.7%,US:70.7;EU:9.6;APAC:6.1;EM:10.7;Other:2.9,Value:-0.7;Growth:+0.9;Quality:+0.9;Size:-0.1;Momentum:+0.8;LowVol:+0.5,NoDerivatives,7,25,5.0,trailing 9%,182,17.5,Sideways,18.7,4.21,3.5,134,-1,50,53,false,Sell,Trim extended winner -1%,34,-36,BrokerC,VWAP,89,None,None,Normal monitoring,-31,-47,-19,5,false,Increase defensive factor exposure
P0994,Cautious,Taxable,USD,2025-05-24,874807,99404,775403,1.0,45.6,33.1,3.5,17.8,BRK.B:16.7%;GLD:27.8%;VNQ:27.8%;AAPL:27.8%,US:72.4;EU:8.0;APAC:8.8;EM:10.5;Other:0.4,Value:-0.6;Growth:+0.7;Quality:+0.2;Size:-0.7;Momentum:+0.2;LowVol:-0.4,ESGOnly;NoDerivatives;NoMargin,10,35,4.3,trailing 8%,142,19.5,Bull,14.1,4.23,3.3,82,63,95,44,false,Sell,Trim extended winner -1%,14,4,BrokerC,LMT,95,None,None,Normal monitoring,47,16,141,5,false,Monitor dispersion and breadth
P0995,Hands-off,Roth,USD,2025-02-06,540700,52419,488281,1.0,56.6,19.8,16.1,7.4,AMZN:33.3%;GLD:33.3%;MSFT:33.3%,US:60.1;EU:13.8;APAC:14.0;EM:10.7;Other:1.5,Value:-0.7;Growth:-0.0;Quality:+0.8;Size:-0.4;Momentum:+0.1;LowVol:+0.3,MaxPos7%,10,30,4.6,hard 10%,109,17.2,Volatile,22.8,5.03,3.0,158,41,69,55,false,Hedge,Add TLT +1% as duration hedge,-5,-37,BrokerC,LMT,95,None,None,Normal monitoring,83,6,213,4,false,Tax-aware sells next window
P0996,Active,401k,USD,2025-04-07,1581201,165073,1416128,1.0,54.7,24.7,11.2,9.4,VTI:24.8%;BRK.B:37.6%;VOO:37.6%,US:70.9;EU:8.9;APAC:9.8;EM:9.7;Other:0.6,Value:-0.8;Growth:-0.8;Quality:-0.3;Size:+0.6;Momentum:-0.7;LowVol:-1.0,MaxPos6%,10,30,5.8,trailing 8%,137,27.5,Bull,14.9,4.99,2.5,82,41,55,39,false,Sell,Trim extended winner -1%,3,-20,BrokerD,MKT,88,None,None,Normal monitoring,17,-50,5,5,false,Tighten stops on momentum names
P0997,Systematic,401k,USD,2025-07-04,1655463,151590,1503873,1.0,58.7,22.1,10.2,9.0,XLF:33.3%;BRK.B:33.3%;VNQ:33.3%,US:59.5;EU:12.6;APAC:14.4;EM:9.4;Other:4.1,Value:+0.8;Growth:-0.2;Quality:+0.3;Size:-0.1;Momentum:+0.5;LowVol:-0.7,NoDerivatives,5,25,5.9,trailing 8%,127,25.9,Volatile,31.6,4.4,4.1,154,57,66,70,false,Sell,Trim extended winner -1%,-7,-38,BrokerB,LMT,96,None,None,Normal monitoring,57,-55,140,3,false,Increase defensive factor exposure
P0998,Hands-off,Trust,USD,2025-11-26,627247,60358,566889,1.0,67.6,24.1,0.0,8.2,BRK.B:15.5%;AAPL:24.6%;BND:16.5%;IEF:18.9%;HYG:24.6%,US:64.1;EU:7.3;APAC:8.8;EM:15.0;Other:4.8,Value:-0.4;Growth:-0.4;Quality:+0.4;Size:+0.2;Momentum:+0.2;LowVol:-0.6,ESGOnly;MaxPos8%;NoDerivatives,7,25,3.5,trailing 8%,97,13.4,Bull,12.0,3.95,2.5,88,38,70,39,false,Rebalance,Shift +1% to bonds from equity,28,4,BrokerC,MKT,89,None,None,Normal monitoring,2,-4,109,4,false,Within IPS guidelines
P0999,Opportunistic,IRA,USD,2024-07-13,1394383,112969,1281414,1.0,72.7,19.2,0.0,8.1,MSFT:13.5%;QQQ:26.2%;VTI:15.8%;TSLA:26.2%;IEF:18.4%,US:66.7;EU:13.8;APAC:7.0;EM:9.0;Other:3.4,Value:+0.9;Growth:-0.8;Quality:-0.2;Size:-0.1;Momentum:+0.8;LowVol:-0.7,MaxPos7%,8,30,6.4,hard 12%,186,33.9,Sideways,18.9,4.41,3.3,123,-13,50,58,false,Rebalance,Shift +1% to bonds from equity,23,-27,BrokerA,LMT,96,None,None,Normal monitoring,25,-14,76,3,false,Tighten stops on momentum names
P1000,Hands-off,IRA,USD,2025-12-20,780721,47255,733466,1.0,71.8,20.7,2.4,5.1,VTI:28.9%;MUB:28.9%;VOO:28.9%;BND:13.2%,US:67.0;EU:14.4;APAC:5.6;EM:8.0;Other:4.9,Value:+0.2;Growth:+0.5;Quality:+0.1;Size:-0.2;Momentum:-0.2;LowVol:-0.9,ESGOnly;MaxPos7%,6,30,4.1,trailing 8%,167,14.0,Bull,15.2,4.71,2.9,70,106,100,45,false,Rebalance,Shift +1% to bonds from equity,7,-16,BrokerD,LMT,100,None,None,Normal monitoring,106,-35,217,3,false,Tighten stops on momentum names
P1001,Active,IRA,USD,2024-12-14,1677253,112628,1564625,1.0,68.9,20.5,3.2,7.3,TLT:14.2%;GLD:23.4%;HYG:23.4%;VTI:15.6%;VOO:23.4%,US:64.5;EU:16.0;APAC:5.8;EM:8.8;Other:4.9,Value:-0.3;Growth:-0.3;Quality:-0.8;Size:+0.5;Momentum:+0.2;LowVol:-0.4,MaxPos5%,6,35,5.1,trailing 8%,173,18.2,Volatile,20.4,4.71,2.8,153,-11,43,53,false,Rebalance,Shift +1% to bonds from equity,23,1,BrokerA,MKT,92,None,None,Normal monitoring,92,-53,64,3,false,Within IPS guidelines
P1002,Hands-off,Taxable,USD,2024-09-02,582974,40957,542017,1.0,64.7,26.7,0.0,8.6,GLD:27.9%;VTI:16.4%;XLF:27.9%;MSFT:27.9%,US:59.9;EU:13.2;APAC:14.3;EM:11.5;Other:1.1,Value:+0.8;Growth:+0.5;Quality:+0.8;Size:+0.2;Momentum:+0.2;LowVol:+0.7,NoDerivatives,6,35,5.0,trailing 8%,160,15.2,Volatile,30.4,3.58,2.6,160,8,49,80,true,Hedge,Buy index puts 1% notional,-13,-38,BrokerB,LMT,96,Drift>tolerance,Hedge,Allocation drift beyond policy bands,97,-30,216,3,true,Tax-aware sells next window
P1003,Opportunistic,401k,USD,2024-09-18,368043,29766,338277,1.0,72.1,12.7,8.6,6.7,BRK.B:20.8%;XLF:12.9%;VTI:20.8%;VNQ:17.4%;TSLA:10.9%;MUB:17.3%,US:75.3;EU:11.4;APAC:5.6;EM:3.5;Other:4.1,Value:+0.6;Growth:+0.6;Quality:+0.1;Size:-0.2;Momentum:+0.4;LowVol:-0.0,MaxPos7%;NoDerivatives,8,30,5.8,trailing 7%,256,24.8,Bear,23.6,3.56,1.2,148,-30,27,79,true,Hedge,Buy index puts 1% notional,25,-20,BrokerC,MKT,92,VAR>budget,Hedge,Risk above budget threshold,23,-37,12,4,false,Tax-aware sells next window
P1004,Cautious,IRA,USD,2024-09-02,600740,56473,544267,1.0,38.6,31.8,16.1,13.5,TSLA:23.0%;MUB:7.8%;AAPL:23.0%;AMZN:23.0%;BRK.B:23.0%,US:69.2;EU:17.9;APAC:6.0;EM:3.0;Other:3.9,Value:0.0;Growth:+0.6;Quality:-0.4;Size:+0.5;Momentum:-0.9;LowVol:-0.7,ESGOnly;MaxPos6%;NoDerivatives;NoMargin,10,30,5.0,hard 10%,150,17.3,Bull,15.9,3.89,2.4,110,71,98,36,false,NoAction,Within bands; monitor,12,0,BrokerD,MKT,0,None,None,Normal monitoring,105,-26,135,5,false,Monitor dispersion and breadth
P1005,Systematic,401k,USD,2024-08-09,1269955,81798,1188157,1.0,63.5,29.4,1.6,5.5,VNQ:33.3%;BRK.B:33.3%;VOO:33.3%,US:66.5;EU:12.7;APAC:15.4;EM:4.9;Other:0.5,Value:-0.1;Growth:+0.8;Quality:-0.6;Size:-0.4;Momentum:+0.3;LowVol:-0.4,MaxPos7%;NoDerivatives,5,35,4.9,hard 12%,179,25.9,Volatile,24.8,3.71,3.6,120,-51,24,66,false,Buy,Add to core equity +1%,6,13,BrokerA,VWAP,88,None,None,Normal monitoring,-38,-53,-7,4,false,Within IPS guidelines
P1006,Cautious,401k,USD,2025-09-30,800764,89337,711427,1.0,46.4,36.4,4.9,12.3,TSLA:10.5%;AMZN:24.2%;IEF:17.8%;BND:24.2%;MUB:23.3%,US:65.7;EU:15.2;APAC:8.2;EM:7.4;Other:3.4,Value:+0.7;Growth:-0.5;Quality:+0.8;Size:+0.4;Momentum:-0.2;LowVol:-0.4,ESGOnly;NoMargin,5,25,3.5,hard 10%,160,12.4,Bear,23.7,3.05,2.8,162,29,78,48,false,Rebalance,Shift +1% to bonds from equity,10,-6,BrokerC,MKT,88,None,None,Normal monitoring,-34,0,-22,3,false,Increase defensive factor exposure
P1007,Systematic,Roth,USD,2025-02-02,489215,29167,460048,1.0,63.3,31.2,0.0,5.6,XLF:24.8%;TLT:12.1%;MSFT:13.4%;HYG:24.8%;BND:24.8%,US:62.1;EU:15.4;APAC:10.4;EM:9.1;Other:3.0,Value:-0.7;Growth:0.0;Quality:+0.6;Size:-1.0;Momentum:+1.0;LowVol:-0.1,,5,25,5.5,hard 12%,230,16.4,Sideways,18.7,3.65,2.9,117,58,87,57,false,Rebalance,Shift +1% to bonds from equity,-8,-32,BrokerB,MKT,95,None,None,Normal monitoring,-45,-13,76,5,false,Increase defensive factor exposure
P1008,Cautious,401k,USD,2025-01-07,497161,40677,456484,1.0,42.1,43.0,1.9,13.0,QQQ:26.3%;MSFT:26.3%;MUB:26.3%;GLD:21.0%,US:64.9;EU:17.3;APAC:7.1;EM:7.9;Other:2.8,Value:+0.9;Growth:+0.7;Quality:+0.7;Size:-0.4;Momentum:+0.5;LowVol:-0.1,MaxPos6%;NoMargin,5,25,4.5,hard 10%,139,12.4,Volatile,26.4,4.04,2.3,112,-6,46,63,false,Rebalance,Shift +1% to bonds from equity,25,7,BrokerC,LMT,87,None,None,Normal monitoring,-37,-57,-74,5,false,Tax-aware sells next window
P1009,Active,IRA,USD,2025-01-14,2043187,159156,1884031,1.11,66.8,19.2,7.4,6.6,TLT:29.0%;AMZN:23.1%;XLF:29.0%;AAPL:19.0%,US:66.2;EU:10.5;APAC:15.4;EM:3.8;Other:4.2,Value:+0.2;Growth:-0.9;Quality:+1.0;Size:+0.6;Momentum:-0.4;LowVol:+0.2,MaxPos5%,8,30,4.7,trailing 9%,155,18.3,Bull,16.7,4.72,3.1,92,18,64,56,false,Buy,Add to core equity +1%,20,-8,BrokerA,MKT,92,None,None,Normal monitoring,-3,-54,27,3,false,Tax-aware sells next window
P1010,Opportunistic,IRA,USD,2024-07-17,1022821,83953,938868,1.0,76.7,15.0,0.0,8.3,IEF:33.3%;TSLA:33.3%;XLF:33.3%,US:62.6;EU:13.3;APAC:10.6;EM:9.2;Other:4.3,Value:-0.8;Growth:-0.6;Quality:-0.2;Size:+0.1;Momentum:+0.5;LowVol:+0.6,MaxPos8%,10,30,4.4,hard 12%,225,27.2,Volatile,30.2,5.28,2.0,161,-23,40,79,true,Rebalance,Rebalance back to target bands,-2,8,BrokerB,LMT,97,RegimeShift,Hedge,Volatility spike and breadth deterioration,-18,-15,76,3,false,Monitor dispersion and breadth
P1011,Active,IRA,USD,2025-11-14,1140619,130079,1010540,1.0,65.1,19.0,7.5,8.4,VTI:20.5%;AAPL:12.5%;GLD:16.5%;HYG:11.8%;BRK.B:19.9%;MUB:18.7%,US:55.7;EU:20.1;APAC:7.9;EM:11.0;Other:5.3,Value:-0.2;Growth:+0.9;Quality:-0.8;Size:+0.5;Momentum:-0.1;LowVol:+0.9,,10,35,5.5,trailing 8%,193,16.2,Bear,26.8,4.36,1.4,189,-68,9,74,true,Reduce,"Cut high-beta by 2-3%, add cash",22,7,BrokerD,MKT,85,RegimeShift,TightenStops,Volatility spike and breadth deterioration,11,-21,138,5,false,Monitor dispersion and breadth
P1012,Hands-off,Taxable,USD,2024-11-25,594349,47601,546748,1.0,71.4,19.2,0.0,9.4,TLT:25.9%;VOO:25.0%;AAPL:23.2%;TSLA:25.9%,US:67.8;EU:12.9;APAC:6.9;EM:10.3;Other:2.2,Value:+0.2;Growth:-0.5;Quality:-0.5;Size:+0.2;Momentum:-0.2;LowVol:+0.1,,7,25,6.0,hard 10%,150,16.4,Sideways,14.1,3.93,2.2,111,23,57,45,false,Buy,Add to core equity +1%,24,-14,BrokerC,VWAP,86,None,None,Normal monitoring,116,-45,122,5,false,Increase defensive factor exposure
P1013,Hands-off,Trust,USD,2025-06-15,594572,55601,538971,1.0,57.6,20.1,17.1,5.1,TLT:33.3%;MUB:33.3%;HYG:33.3%,US:61.6;EU:13.3;APAC:10.7;EM:10.4;Other:4.0,Value:-0.9;Growth:+0.6;Quality:-0.3;Size:+0.7;Momentum:+0.9;LowVol:+0.2,ESGOnly,7,35,4.4,trailing 8%,90,19.8,Sideways,16.2,4.83,2.3,93,-3,57,47,false,Buy,Add to core equity +1%,23,-18,BrokerD,MKT,98,None,None,Normal monitoring,4,-45,126,4,false,Increase defensive factor exposure
P1014,Opportunistic,Trust,USD,2025-01-27,782701,66233,716468,1.0,61.9,10.9,21.5,5.7,QQQ:20.8%;TLT:16.6%;BND:15.2%;AAPL:18.1%;VOO:20.8%;BRK.B:8.5%,US:66.2;EU:10.0;APAC:13.9;EM:5.6;Other:4.2,Value:-0.7;Growth:-0.4;Quality:+0.5;Size:-0.2;Momentum:0.0;LowVol:-0.7,MaxPos7%;NoDerivatives,8,25,4.2,hard 12%,166,28.7,Volatile,25.3,3.71,4.2,166,-51,9,77,true,Hedge,Buy index puts 1% notional,-12,-25,BrokerB,LMT,85,RegimeShift,Pause,Volatility spike and breadth deterioration,50,-5,158,4,false,Tax-aware sells next window
P1015,Active,Roth,USD,2025-03-10,2222495,196480,2026015,1.0,59.7,21.6,9.7,9.0,VOO:23.5%;AAPL:23.5%;MSFT:23.5%;VTI:19.2%;BND:10.2%,US:69.3;EU:20.6;APAC:5.9;EM:3.2;Other:1.0,Value:-1.0;Growth:-0.7;Quality:-0.3;Size:-0.8;Momentum:+0.1;LowVol:-0.6,MaxPos5%,10,30,5.6,trailing 8%,130,18.7,Sideways,20.0,4.62,2.3,114,27,70,57,false,Rebalance,Shift +1% to bonds from equity,14,-38,BrokerA,MKT,99,None,None,Normal monitoring,115,-57,224,4,false,Tax-aware sells next window
P1016,Hands-off,IRA,USD,2025-05-08,645533,46191,599342,1.0,72.2,17.5,0.4,9.9,VNQ:27.5%;AAPL:27.5%;QQQ:27.5%;MSFT:17.6%,US:71.9;EU:14.4;APAC:6.2;EM:4.0;Other:3.4,Value:+0.6;Growth:-0.2;Quality:-0.1;Size:+0.4;Momentum:+1.0;LowVol:+1.0,ESGOnly;MaxPos6%,5,25,5.0,hard 10%,156,15.3,Bull,11.2,4.57,2.4,80,31,74,52,false,Rebalance,Shift +1% to bonds from equity,34,-1,BrokerC,LMT,85,None,None,Normal monitoring,17,-25,57,3,false,Tighten stops on momentum names
P1017,Active,Trust,USD,2025-07-31,2286806,246021,2040785,1.0,59.9,20.5,14.2,5.5,HYG:33.3%;GLD:33.3%;TSLA:33.3%,US:67.1;EU:17.1;APAC:6.4;EM:6.5;Other:2.8,Value:-0.8;Growth:-0.4;Quality:+1.0;Size:+0.5;Momentum:+0.4;LowVol:+0.6,,6,30,4.1,trailing 8%,146,24.7,Volatile,21.6,4.31,4.2,162,20,64,68,false,Rebalance,Shift +1% to bonds from equity,12,11,BrokerA,MKT,94,None,None,Normal monitoring,106,15,243,3,false,Monitor dispersion and breadth
P1018,Systematic,Trust,USD,2025-12-26,1208256,100159,1108097,1.0,58.8,20.7,13.4,7.0,IEF:21.8%;XLF:18.5%;VOO:21.8%;BRK.B:16.2%;VTI:21.8%,US:68.7;EU:9.5;APAC:11.7;EM:7.8;Other:2.2,Value:+0.6;Growth:+0.3;Quality:-0.3;Size:+0.4;Momentum:+0.6;LowVol:-0.1,NoDerivatives,7,35,5.6,trailing 8%,196,18.4,Bull,16.4,3.95,2.8,105,111,100,42,false,Rebalance,Shift +1% to bonds from equity,9,-28,BrokerD,MKT,92,None,None,Normal monitoring,-3,-37,63,3,false,Monitor dispersion and breadth
P1019,Systematic,Roth,USD,2025-09-25,941957,54609,887348,1.0,64.0,25.5,1.3,9.3,MUB:14.7%;MSFT:20.8%;VOO:18.2%;TLT:13.8%;GLD:20.8%;QQQ:11.7%,US:68.4;EU:13.1;APAC:12.7;EM:4.0;Other:1.9,Value:-0.2;Growth:-0.5;Quality:+0.3;Size:+0.9;Momentum:+0.2;LowVol:+1.0,MaxPos6%,5,35,4.1,trailing 9%,180,27.3,Volatile,20.7,4.13,2.3,112,-21,36,50,false,Buy,Add to core equity +1%,9,-33,BrokerD,LMT,95,None,None,Normal monitoring,87,-5,115,3,false,Monitor dispersion and breadth
P1020,Systematic,Trust,USD,2024-07-20,589300,45057,544243,1.0,64.2,24.8,4.4,6.6,VNQ:19.1%;VTI:13.7%;MUB:14.0%;MSFT:19.5%;GLD:13.5%;BND:20.2%,US:68.1;EU:10.1;APAC:7.7;EM:8.9;Other:5.2,Value:+0.5;Growth:-0.3;Quality:+0.6;Size:-0.5;Momentum:-0.3;LowVol:-0.5,MaxPos5%;NoDerivatives,10,25,5.8,trailing 8%,188,24.6,Bear,24.1,4.02,2.1,137,-12,55,62,false,Rebalance,Shift +1% to bonds from equity,24,-12,BrokerB,LMT,87,None,None,Normal monitoring,63,-59,98,5,false,Within IPS guidelines
P1021,Active,Taxable,USD,2025-02-17,1102399,88672,1013727,1.08,67.0,20.9,3.4,8.7,AAPL:33.3%;VOO:33.3%;QQQ:33.3%,US:66.2;EU:5.7;APAC:14.0;EM:10.4;Other:3.8,Value:-0.1;Growth:-1.0;Quality:+0.6;Size:-0.4;Momentum:-0.7;LowVol:+0.3,,6,30,5.4,trailing 8%,216,18.7,Volatile,22.1,3.88,3.2,118,-43,34,64,false,Buy,Add to core equity +1%,24,-40,BrokerA,MKT,100,None,None,Normal monitoring,34,-30,111,3,false,Increase defensive factor exposure
P1022,Cautious,401k,USD,2025-03-10,200562,17420,183142,1.0,45.9,30.3,13.3,10.5,GLD:10.8%;XLF:25.5%;HYG:25.5%;QQQ:11.7%;VTI:12.1%;VOO:14.5%,US:62.8;EU:16.6;APAC:9.4;EM:9.4;Other:1.8,Value:+0.3;Growth:-0.6;Quality:-0.4;Size:+0.1;Momentum:+1.0;LowVol:+0.1,ESGOnly;MaxPos7%;NoMargin,5,35,3.1,trailing 8%,114,14.7,Bull,13.8,3.81,3.1,112,84,98,45,false,Rebalance,Shift +1% to bonds from equity,-14,0,BrokerC,MKT,88,None,None,Normal monitoring,2,-22,-7,5,false,Within IPS guidelines
P1023,Opportunistic,Trust,USD,2025-02-13,1514419,57201,1457218,1.0,70.2,10.1,11.3,8.3,GLD:15.3%;AAPL:13.9%;TSLA:22.6%;MSFT:24.1%;VNQ:24.1%,US:63.1;EU:9.4;APAC:12.0;EM:11.1;Other:4.3,Value:-0.1;Growth:+0.7;Quality:-0.4;Size:+0.7;Momentum:+0.2;LowVol:-0.2,MaxPos8%,5,35,6.8,trailing 7%,218,22.3,Bull,11.1,3.72,3.1,88,100,92,35,true,Rebalance,Rebalance back to target bands,-10,-12,BrokerC,MKT,89,RegimeShift,Reduce,Volatility spike and breadth deterioration,7,3,9,3,false,Increase defensive factor exposure
P1024,Opportunistic,401k,USD,2025-10-01,733732,58510,675222,1.0,66.6,20.4,6.4,6.6,TSLA:16.7%;HYG:26.2%;GLD:26.2%;XLF:12.7%;VNQ:18.2%,US:66.8;EU:14.7;APAC:10.2;EM:5.8;Other:2.5,Value:+0.5;Growth:+0.7;Quality:0.0;Size:-1.0;Momentum:-0.7;LowVol:+0.8,MaxPos8%,10,35,5.7,hard 12%,259,21.9,Sideways,18.0,3.99,2.6,97,4,47,59,false,Rebalance,Shift +1% to bonds from equity,-14,-6,BrokerD,VWAP,88,None,None,Normal monitoring,-12,-25,55,4,false,Tax-aware sells next window
P1025,Hands-off,Roth,USD,2025-10-24,827832,80732,747100,1.0,67.9,19.3,5.1,7.6,VTI:33.3%;HYG:33.3%;MUB:33.3%,US:64.4;EU:10.0;APAC:12.2;EM:10.2;Other:3.1,Value:-0.5;Growth:-0.1;Quality:-0.2;Size:-0.2;Momentum:-0.2;LowVol:+0.3,,10,35,5.1,trailing 10%,155,19.6,Bull,14.5,3.7,2.1,86,61,88,52,false,Hedge,Add TLT +1% as duration hedge,-5,-8,BrokerA,LMT,99,None,None,Normal monitoring,-13,-39,108,3,false,Monitor dispersion and breadth
P1026,Hands-off,IRA,USD,2025-09-24,731135,64891,666244,1.0,58.4,18.1,17.8,5.7,GLD:26.2%;BRK.B:21.5%;XLF:26.2%;AMZN:26.2%,US:59.9;EU:18.3;APAC:13.0;EM:6.5;Other:2.3,Value:-0.2;Growth:+0.8;Quality:-0.8;Size:+1.0;Momentum:0.0;LowVol:-0.8,ESGOnly;NoDerivatives,10,25,3.1,trailing 8%,92,17.2,Bull,15.0,4.99,2.1,110,15,61,48,false,Rebalance,Shift +1% to bonds from equity,34,14,BrokerD,MKT,93,None,None,Normal monitoring,115,-28,157,4,false,Monitor dispersion and breadth
P1027,Opportunistic,IRA,USD,2025-03-17,1215963,50086,1165877,1.0,71.1,14.7,9.9,4.4,VTI:36.4%;GLD:36.4%;XLF:27.2%,US:71.0;EU:12.2;APAC:5.7;EM:10.3;Other:0.8,Value:-0.2;Growth:+1.0;Quality:-0.6;Size:-0.1;Momentum:-0.1;LowVol:-0.0,MaxPos5%,6,25,4.2,trailing 7%,228,34.3,Bull,17.3,4.73,2.3,78,71,70,61,true,Hedge,Buy index puts 1% notional,3,2,BrokerA,LMT,90,VAR>budget,Reduce,Risk above budget threshold,91,9,74,4,false,Tax-aware sells next window
P1028,Cautious,Taxable,USD,2024-10-30,835789,112644,723145,1.0,36.6,44.4,5.7,13.2,QQQ:33.3%;VOO:33.3%;TLT:33.3%,US:66.1;EU:10.8;APAC:11.5;EM:6.8;Other:4.8,Value:-0.7;Growth:+0.2;Quality:-0.4;Size:+0.9;Momentum:+0.4;LowVol:+0.7,MaxPos8%;NoMargin,10,35,5.6,trailing 10%,151,17.9,Volatile,30.9,4.8,3.5,169,-4,43,53,false,Rebalance,Shift +1% to bonds from equity,9,4,BrokerA,MKT,94,None,None,Normal monitoring,-24,13,57,4,false,Increase defensive factor exposure
P1029,Cautious,Taxable,USD,2025-02-04,238327,22997,215330,1.0,51.0,38.7,0.0,10.4,QQQ:26.8%;GLD:19.5%;MUB:26.8%;VOO:26.8%,US:64.5;EU:14.9;APAC:13.0;EM:6.6;Other:1.0,Value:+0.2;Growth:-0.2;Quality:+0.3;Size:+1.0;Momentum:+0.5;LowVol:-0.0,NoDerivatives;NoMargin,10,30,5.2,hard 10%,108,12.4,Bull,15.3,4.63,2.6,82,32,66,48,false,Buy,Add to core equity +1%,25,8,BrokerB,VWAP,87,None,None,Normal monitoring,28,9,75,3,false,Tighten stops on momentum names
P1030,Cautious,Trust,USD,2024-09-15,196754,27628,169126,1.0,41.8,43.6,4.5,10.1,TSLA:14.5%;GLD:20.6%;VNQ:20.6%;IEF:15.0%;MSFT:11.8%;BRK.B:17.4%,US:63.4;EU:16.3;APAC:7.8;EM:8.9;Other:3.6,Value:-0.8;Growth:-0.9;Quality:-0.4;Size:+0.6;Momentum:+0.6;LowVol:-0.7,ESGOnly;NoMargin,7,35,4.4,trailing 8%,164,15.4,Bull,11.9,4.73,2.3,84,7,47,38,false,Rebalance,Shift +1% to bonds from equity,-7,-39,BrokerA,VWAP,98,None,None,Normal monitoring,7,-59,-21,4,false,Monitor dispersion and breadth
P1031,Cautious,Roth,USD,2025-05-15,331793,35280,296513,1.0,36.0,40.1,9.2,14.7,GLD:33.3%;VOO:33.3%;MSFT:33.3%,US:68.7;EU:9.5;APAC:10.0;EM:7.7;Other:4.0,Value:+0.2;Growth:-0.8;Quality:+0.2;Size:+0.7;Momentum:-0.3;LowVol:-0.5,ESGOnly;MaxPos5%;NoMargin,6,30,5.5,hard 10%,160,18.5,Sideways,14.6,4.89,2.1,118,-12,45,40,false,Buy,Add to core equity +1%,31,-25,BrokerA,MKT,98,None,None,Normal monitoring,-5,-33,103,4,false,Within IPS guidelines
P1032,Opportunistic,IRA,USD,2025-11-14,1740091,152850,1587241,1.23,71.8,16.4,3.0,8.8,GLD:17.9%;MUB:14.4%;IEF:20.5%;AAPL:11.4%;VTI:17.7%;TLT:18.1%,US:65.5;EU:14.1;APAC:8.8;EM:9.1;Other:2.5,Value:-0.9;Growth:-0.7;Quality:-0.7;Size:+0.9;Momentum:+0.5;LowVol:-1.0,,6,25,4.5,trailing 7%,181,23.0,Sideways,15.4,4.74,2.1,139,6,59,48,false,Buy,Add to core equity +1%,9,-21,BrokerD,MKT,98,None,None,Normal monitoring,-34,-46,73,4,false,Within IPS guidelines
P1033,Hands-off,Trust,USD,2025-06-14,738049,33821,704228,1.0,63.1,26.4,2.5,8.1,MSFT:33.3%;BRK.B:33.3%;TSLA:33.3%,US:67.6;EU:6.9;APAC:14.7;EM:6.7;Other:4.0,Value:-0.7;Growth:-0.3;Quality:-0.5;Size:-0.9;Momentum:-0.6;LowVol:-0.7,MaxPos7%,10,30,3.1,hard 10%,158,13.6,Sideways,20.8,4.76,3.3,127,37,71,57,true,Reduce,"Cut high-beta by 2-3%, add cash",-2,-33,BrokerB,LMT,86,VAR>budget,Pause,Risk above budget threshold,-59,-25,-54,2,false,Monitor dispersion and breadth
P1034,Cautious,Taxable,USD,2025-02-08,896936,83682,813254,1.0,43.7,40.9,0.0,15.3,AAPL:15.1%;BND:22.2%;VOO:20.0%;HYG:15.9%;IEF:26.8%,US:67.1;EU:13.5;APAC:9.8;EM:5.1;Other:4.4,Value:+0.3;Growth:+0.7;Quality:+0.8;Size:+0.3;Momentum:+0.5;LowVol:+0.5,NoMargin,6,30,4.9,hard 10%,154,16.6,Bull,15.7,3.67,3.4,100,34,72,38,false,Hedge,Add TLT +1% as duration hedge,0,-22,BrokerA,MKT,91,None,None,Normal monitoring,84,-43,212,3,false,Tighten stops on momentum names
P1035,Active,Roth,USD,2025-09-04,817992,72354,745638,1.0,60.6,28.7,3.4,7.3,BRK.B:22.8%;GLD:22.8%;QQQ:8.7%;XLF:22.8%;HYG:22.8%,US:60.1;EU:10.6;APAC:14.5;EM:11.6;Other:3.3,Value:-0.8;Growth:-0.8;Quality:+0.2;Size:+0.5;Momentum:-0.5;LowVol:-0.3,,10,25,4.5,hard 12%,121,25.2,Bear,31.2,4.08,2.2,141,-53,16,74,true,Hedge,Buy index puts 1% notional,7,-13,BrokerC,MKT,100,Drift>tolerance,Reduce,Allocation drift beyond policy bands,57,1,146,5,false,Increase defensive factor exposure
P1036,Opportunistic,401k,USD,2025-05-05,1577944,55273,1522671,1.21,72.8,16.3,2.4,8.5,MUB:11.7%;VTI:22.1%;AMZN:22.1%;IEF:22.1%;GLD:22.1%,US:65.8;EU:7.6;APAC:12.1;EM:9.2;Other:5.3,Value:+0.3;Growth:+0.6;Quality:-0.3;Size:+0.4;Momentum:-0.8;LowVol:+0.9,MaxPos5%,8,25,4.2,hard 12%,192,22.1,Bear,33.0,3.01,1.9,142,-113,6,80,true,Hedge,Buy index puts 1% notional,24,15,BrokerB,LMT,90,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-55,-33,-11,2,false,Tighten stops on momentum names
P1037,Active,IRA,USD,2025-12-20,1910145,141941,1768204,1.0,66.5,18.2,9.9,5.4,QQQ:13.1%;HYG:12.5%;VTI:19.0%;TLT:23.1%;BRK.B:23.1%;AMZN:9.1%,US:74.2;EU:11.6;APAC:5.6;EM:4.9;Other:3.6,Value:+0.2;Growth:+0.7;Quality:-0.2;Size:-0.0;Momentum:+0.4;LowVol:-1.0,MaxPos8%,6,25,4.7,trailing 8%,145,16.5,Volatile,30.8,4.22,3.5,116,-20,30,85,true,Hedge,Buy index puts 1% notional,19,-4,BrokerB,MKT,98,Drift>tolerance,Reduce,Allocation drift beyond policy bands,11,-23,92,5,false,Increase defensive factor exposure
P1038,Active,Taxable,USD,2025-07-14,1349229,132646,1216583,1.12,65.9,23.7,4.1,6.3,VTI:10.9%;VOO:16.2%;QQQ:21.6%;GLD:19.6%;TLT:10.1%;MSFT:21.6%,US:68.5;EU:8.0;APAC:14.6;EM:5.9;Other:3.0,Value:-0.4;Growth:-1.0;Quality:-0.7;Size:-0.0;Momentum:+0.2;LowVol:-0.6,NoDerivatives,5,35,5.1,trailing 9%,219,17.6,Bull,13.7,3.85,3.0,71,68,73,41,false,Sell,Trim extended winner -1%,23,-8,BrokerD,MKT,96,None,None,Normal monitoring,58,-53,160,4,false,Increase defensive factor exposure
P1039,Cautious,401k,USD,2025-03-17,527021,50565,476456,1.0,43.4,44.6,0.1,11.9,TLT:33.3%;AMZN:33.3%;IEF:33.3%,US:71.6;EU:9.9;APAC:10.3;EM:6.1;Other:2.2,Value:+0.8;Growth:-0.4;Quality:0.0;Size:+0.4;Momentum:-0.8;LowVol:+0.5,ESGOnly;NoMargin,8,30,5.1,hard 10%,135,15.1,Sideways,17.7,3.98,2.7,92,-18,46,48,false,Buy,Add to core equity +1%,22,-4,BrokerD,MKT,88,None,None,Normal monitoring,38,-49,145,5,false,Within IPS guidelines
P1040,Hands-off,Taxable,USD,2025-04-22,477192,31688,445504,1.0,63.6,25.4,1.9,9.1,HYG:33.3%;VNQ:33.3%;TLT:33.3%,US:79.1;EU:5.7;APAC:6.2;EM:4.1;Other:4.8,Value:+0.6;Growth:-0.9;Quality:+0.5;Size:+0.9;Momentum:-0.2;LowVol:+0.8,NoDerivatives,10,25,5.7,trailing 8%,123,17.8,Volatile,30.4,4.39,3.6,163,-16,39,81,true,Hedge,Buy index puts 1% notional,29,13,BrokerB,MKT,96,VAR>budget,Hedge,Risk above budget threshold,3,-42,65,2,false,Tighten stops on momentum names
P1041,Cautious,Trust,USD,2025-07-09,480498,69046,411452,1.0,47.1,40.9,0.0,12.0,AMZN:30.8%;VTI:17.4%;TSLA:30.8%;MSFT:20.9%,US:69.1;EU:15.6;APAC:7.4;EM:7.3;Other:0.6,Value:-0.2;Growth:-0.3;Quality:+0.2;Size:-0.8;Momentum:+0.3;LowVol:+0.3,ESGOnly;NoDerivatives;NoMargin,10,25,4.5,hard 10%,134,13.5,Sideways,19.5,4.12,2.6,128,-10,48,48,false,Buy,Add to core equity +1%,26,-38,BrokerB,MKT,100,None,None,Normal monitoring,114,-32,161,3,false,Increase defensive factor exposure
P1042,Opportunistic,Trust,USD,2025-05-25,845029,36318,808711,1.09,73.4,21.0,1.4,4.2,VNQ:15.9%;AMZN:28.0%;GLD:28.0%;TSLA:28.0%,US:62.7;EU:14.2;APAC:10.4;EM:11.2;Other:1.5,Value:+0.5;Growth:-0.4;Quality:-0.9;Size:-0.5;Momentum:+0.2;LowVol:+0.1,MaxPos6%,6,35,5.9,hard 12%,247,32.2,Volatile,29.2,4.82,3.2,110,25,48,92,true,Hedge,Buy index puts 1% notional,29,-21,BrokerB,LMT,85,Drift>tolerance,Pause,Allocation drift beyond policy bands,-36,-24,-10,2,false,Tighten stops on momentum names
P1043,Cautious,Trust,USD,2025-09-28,865646,89420,776226,1.0,49.5,37.7,0.0,12.7,TSLA:33.3%;MUB:33.3%;BND:33.3%,US:63.9;EU:20.5;APAC:7.1;EM:7.5;Other:1.1,Value:+0.1;Growth:+0.5;Quality:+0.2;Size:+0.6;Momentum:-0.8;LowVol:-0.4,ESGOnly;NoDerivatives;NoMargin,5,25,5.6,trailing 8%,170,16.5,Bear,33.3,3.62,2.1,175,-95,5,67,true,Rebalance,Rebalance back to target bands,5,9,BrokerD,MKT,85,VAR>budget,TightenStops,Risk above budget threshold,44,-32,67,4,false,Monitor dispersion and breadth
P1044,Hands-off,Roth,USD,2025-01-09,578788,31939,546849,1.0,71.2,15.8,6.0,7.1,TLT:23.3%;TSLA:19.1%;AAPL:23.3%;MUB:23.3%;HYG:11.0%,US:61.5;EU:15.0;APAC:12.3;EM:7.8;Other:3.4,Value:+0.4;Growth:+0.3;Quality:-0.7;Size:-1.0;Momentum:+0.2;LowVol:+0.1,NoDerivatives,7,35,3.2,trailing 10%,113,19.6,Volatile,30.3,5.37,2.9,123,-3,46,79,true,Reduce,"Cut high-beta by 2-3%, add cash",32,1,BrokerC,LMT,87,Drift>tolerance,Pause,Allocation drift beyond policy bands,-48,-20,-83,3,false,Increase defensive factor exposure
P1045,Active,Taxable,USD,2025-09-08,1484732,99716,1385016,1.22,52.9,20.6,19.1,7.4,BRK.B:25.8%;QQQ:22.6%;XLF:25.8%;TLT:25.8%,US:73.7;EU:7.1;APAC:6.0;EM:11.2;Other:2.0,Value:-0.9;Growth:-0.9;Quality:-0.8;Size:+0.5;Momentum:+0.4;LowVol:-0.5,,10,25,4.9,trailing 8%,219,24.2,Sideways,14.5,4.41,2.6,97,56,93,49,false,Sell,Trim extended winner -1%,30,-7,BrokerB,MKT,93,None,None,Normal monitoring,-13,9,47,3,false,Increase defensive factor exposure
P1046,Hands-off,Roth,USD,2025-04-13,156463,12102,144361,1.0,62.2,17.0,13.4,7.3,BND:17.8%;AAPL:30.2%;MSFT:30.2%;VNQ:21.8%,US:76.7;EU:6.6;APAC:10.0;EM:5.9;Other:0.8,Value:-1.0;Growth:-0.8;Quality:+0.5;Size:-0.6;Momentum:-0.2;LowVol:+0.1,,7,25,5.7,trailing 8%,93,13.3,Volatile,23.8,4.69,3.0,130,62,67,61,false,Sell,Trim extended winner -1%,-9,-40,BrokerC,MKT,98,None,None,Normal monitoring,38,1,127,5,false,Monitor dispersion and breadth
P1047,Opportunistic,Trust,USD,2025-01-19,714178,59141,655037,1.0,60.8,19.3,11.9,8.0,HYG:33.3%;BND:33.3%;QQQ:33.3%,US:66.1;EU:12.7;APAC:13.8;EM:4.4;Other:3.0,Value:-0.3;Growth:-0.7;Quality:+0.2;Size:+0.8;Momentum:+0.5;LowVol:-0.3,,8,30,4.2,hard 12%,195,34.8,Volatile,23.8,4.82,3.0,164,2,38,56,false,Buy,Add to core equity +1%,-13,-22,BrokerC,LMT,91,None,None,Normal monitoring,-51,-43,-74,4,false,Within IPS guidelines
P1048,Hands-off,Trust,USD,2024-11-25,161705,8521,153184,1.0,68.8,22.3,0.0,8.8,VTI:16.4%;MSFT:20.2%;TSLA:16.8%;IEF:16.3%;VNQ:17.7%;XLF:12.5%,US:71.4;EU:12.7;APAC:5.2;EM:10.3;Other:0.3,Value:-0.1;Growth:-0.3;Quality:+0.2;Size:-0.2;Momentum:0.0;LowVol:+0.4,,8,25,5.1,trailing 10%,99,16.2,Bull,12.1,4.65,2.1,112,44,67,45,false,Buy,Add to core equity +1%,8,-24,BrokerA,LMT,85,None,None,Normal monitoring,-36,-56,79,3,false,Tighten stops on momentum names
P1049,Systematic,Taxable,USD,2024-10-29,1967374,109683,1857691,1.0,60.2,31.8,0.0,8.0,IEF:33.3%;QQQ:33.3%;VNQ:33.3%,US:58.9;EU:18.5;APAC:13.0;EM:9.4;Other:0.3,Value:-0.2;Growth:-0.4;Quality:-0.3;Size:-0.6;Momentum:-0.9;LowVol:-0.9,,8,30,4.0,trailing 9%,220,26.3,Bull,17.7,3.58,2.9,101,98,90,50,false,NoAction,Within bands; monitor,30,-3,BrokerB,VWAP,91,None,None,Normal monitoring,-35,20,19,5,false,Tighten stops on momentum names
P1050,Systematic,401k,USD,2024-12-23,1736079,158839,1577240,1.0,59.7,30.0,2.4,8.0,AAPL:31.7%;IEF:34.1%;MUB:34.1%,US:61.3;EU:15.1;APAC:9.3;EM:10.8;Other:3.5,Value:-0.0;Growth:-0.3;Quality:+0.6;Size:+0.5;Momentum:-0.2;LowVol:+0.4,MaxPos5%,8,35,5.9,trailing 8%,149,18.5,Bear,27.0,3.05,1.9,184,25,71,70,false,NoAction,Within bands; monitor,34,-27,BrokerB,MKT,0,None,None,Normal monitoring,93,20,93,3,false,Increase defensive factor exposure
P1051,Active,Roth,USD,2024-07-17,862521,66424,796097,1.25,57.7,19.4,14.5,8.4,AMZN:25.0%;AAPL:25.0%;VOO:25.0%;XLF:25.0%,US:69.3;EU:10.3;APAC:12.8;EM:7.5;Other:0.1,Value:+0.7;Growth:-0.2;Quality:0.0;Size:-0.3;Momentum:0.0;LowVol:-0.5,MaxPos5%,7,25,4.2,trailing 9%,220,27.2,Volatile,21.7,5.01,2.3,131,38,63,61,true,Reduce,"Cut high-beta by 2-3%, add cash",17,-29,BrokerB,LMT,85,Drift>tolerance,Hedge,Allocation drift beyond policy bands,15,1,-22,2,false,Within IPS guidelines
P1052,Systematic,Taxable,USD,2024-07-14,1209664,108177,1101487,1.0,60.9,30.4,2.1,6.6,HYG:27.2%;TLT:27.2%;MUB:18.5%;IEF:27.2%,US:68.9;EU:12.6;APAC:6.4;EM:10.1;Other:2.1,Value:-0.1;Growth:-0.7;Quality:-0.8;Size:-0.1;Momentum:+0.7;LowVol:0.0,MaxPos5%;NoDerivatives,10,25,5.6,trailing 8%,194,22.4,Bull,17.0,3.87,3.3,95,58,83,42,false,NoAction,Within bands; monitor,8,-26,BrokerD,VWAP,94,None,None,Normal monitoring,-51,7,15,3,false,Monitor dispersion and breadth
P1053,Hands-off,Trust,USD,2024-12-28,836960,59985,776975,1.0,60.2,15.1,18.1,6.7,MSFT:19.5%;TLT:14.5%;VTI:17.4%;AAPL:20.4%;MUB:7.8%;VOO:20.4%,US:60.1;EU:23.7;APAC:7.5;EM:6.0;Other:2.7,Value:+0.3;Growth:+0.2;Quality:0.0;Size:-0.1;Momentum:-0.8;LowVol:+1.0,MaxPos6%;NoDerivatives,5,25,5.8,trailing 8%,137,16.6,Bear,28.4,3.7,2.4,139,-73,12,80,true,Hedge,Buy index puts 1% notional,2,-18,BrokerC,LMT,97,Drift>tolerance,Reduce,Allocation drift beyond policy bands,74,5,115,5,false,Tax-aware sells next window
P1054,Hands-off,Taxable,USD,2025-12-18,377488,31750,345738,1.0,66.7,28.1,0.0,5.2,AAPL:33.3%;VOO:33.3%;QQQ:33.3%,US:74.0;EU:6.2;APAC:16.1;EM:3.6;Other:0.1,Value:-0.8;Growth:-0.9;Quality:-0.5;Size:+0.1;Momentum:-1.0;LowVol:-0.7,MaxPos6%;NoDerivatives,7,30,3.4,trailing 8%,95,13.2,Bear,29.8,3.46,1.0,151,-6,33,73,true,Reduce,"Cut high-beta by 2-3%, add cash",8,7,BrokerA,LMT,85,Drift>tolerance,Hedge,Allocation drift beyond policy bands,111,-45,144,5,false,Tax-aware sells next window
P1055,Hands-off,Taxable,USD,2025-11-13,439000,19711,419289,1.0,66.2,26.3,0.0,7.5,MSFT:18.5%;IEF:14.0%;VTI:26.1%;AMZN:26.1%;TSLA:15.4%,US:68.7;EU:17.2;APAC:5.7;EM:7.4;Other:0.9,Value:-0.3;Growth:+0.8;Quality:-0.0;Size:-0.9;Momentum:+0.3;LowVol:+0.1,ESGOnly;MaxPos5%;NoDerivatives,5,30,3.3,trailing 8%,113,14.0,Bull,17.1,4.48,2.6,82,25,58,49,false,Rebalance,Shift +1% to bonds from equity,-14,-2,BrokerA,MKT,95,None,None,Normal monitoring,-8,3,98,3,false,Monitor dispersion and breadth
P1056,Active,401k,USD,2025-04-09,2484161,282114,2202047,1.0,62.6,26.4,3.8,7.2,IEF:23.3%;HYG:17.9%;XLF:23.3%;GLD:14.8%;AAPL:20.7%,US:74.0;EU:9.5;APAC:5.5;EM:7.6;Other:3.4,Value:+0.5;Growth:-0.1;Quality:-1.0;Size:0.0;Momentum:-0.7;LowVol:-0.9,NoDerivatives,8,35,5.4,trailing 8%,159,26.3,Volatile,22.3,5.46,4.5,124,-35,39,60,false,Sell,Trim extended winner -1%,25,-36,BrokerA,MKT,98,None,None,Normal monitoring,94,-7,77,3,false,Monitor dispersion and breadth
P1057,Hands-off,IRA,USD,2025-12-11,459268,31770,427498,1.0,65.5,23.4,1.2,9.9,AAPL:21.5%;MUB:9.8%;MSFT:18.6%;BRK.B:19.7%;GLD:15.5%;VOO:14.9%,US:70.9;EU:15.8;APAC:6.3;EM:5.7;Other:1.2,Value:-0.9;Growth:+0.1;Quality:-0.5;Size:+0.2;Momentum:+0.5;LowVol:+0.1,MaxPos6%,10,35,4.0,trailing 8%,121,17.0,Bull,17.4,4.6,2.9,119,62,95,48,true,Hedge,Buy index puts 1% notional,0,9,BrokerB,MKT,100,Drift>tolerance,Hedge,Allocation drift beyond policy bands,94,-6,56,5,false,Tighten stops on momentum names
P1058,Systematic,IRA,USD,2025-01-01,1509986,125671,1384315,1.0,57.4,25.2,7.9,9.5,BND:20.7%;TLT:13.5%;GLD:22.2%;MSFT:21.3%;TSLA:22.2%,US:69.9;EU:11.9;APAC:8.0;EM:9.8;Other:0.3,Value:-0.3;Growth:-0.6;Quality:+0.8;Size:+0.6;Momentum:-0.9;LowVol:-0.3,,10,35,4.9,hard 12%,146,18.7,Bull,12.0,3.59,2.6,92,101,92,38,false,Rebalance,Shift +1% to bonds from equity,22,-33,BrokerC,MKT,95,None,None,Normal monitoring,-25,13,87,3,false,Tighten stops on momentum names
P1059,Opportunistic,Trust,USD,2024-12-16,1277182,41065,1236117,1.0,73.6,16.2,2.9,7.2,IEF:12.3%;BRK.B:9.7%;AAPL:23.2%;TSLA:9.5%;TLT:22.0%;VTI:23.2%,US:76.3;EU:11.7;APAC:7.0;EM:4.2;Other:0.8,Value:-0.2;Growth:0.0;Quality:+0.3;Size:-0.7;Momentum:+0.8;LowVol:-0.9,,8,25,5.3,trailing 7%,244,32.4,Bull,13.5,3.56,2.2,98,114,100,48,false,Rebalance,Shift +1% to bonds from equity,21,-28,BrokerA,LMT,89,None,None,Normal monitoring,113,-55,222,5,false,Within IPS guidelines
P1060,Active,Taxable,USD,2025-06-19,1949968,184814,1765154,1.0,50.6,28.5,14.1,6.8,XLF:25.0%;VNQ:25.0%;VTI:25.0%;BRK.B:24.9%,US:69.6;EU:18.9;APAC:5.5;EM:4.3;Other:1.7,Value:+0.2;Growth:-0.0;Quality:+0.8;Size:+0.8;Momentum:-0.9;LowVol:+0.1,,7,30,4.3,trailing 8%,186,19.4,Bull,11.3,4.93,2.9,115,73,81,35,false,Buy,Add to core equity +1%,11,-9,BrokerA,LMT,99,None,None,Normal monitoring,99,-48,145,5,false,Monitor dispersion and breadth
P1061,Opportunistic,401k,USD,2024-08-04,676928,40020,636908,1.17,66.8,10.2,15.9,7.1,XLF:25.0%;QQQ:25.0%;GLD:25.0%;TSLA:25.0%,US:62.1;EU:19.3;APAC:7.1;EM:6.2;Other:5.3,Value:+0.6;Growth:0.0;Quality:-0.9;Size:+0.3;Momentum:+0.5;LowVol:-0.7,,10,25,4.2,trailing 9%,218,25.5,Volatile,28.0,5.4,4.2,171,-34,47,80,true,Hedge,Buy index puts 1% notional,14,1,BrokerA,VWAP,85,VAR>budget,Hedge,Risk above budget threshold,66,-46,116,3,false,Tighten stops on momentum names
P1062,Systematic,Trust,USD,2025-06-17,1352126,66249,1285877,1.0,63.8,20.8,9.5,5.9,TSLA:38.2%;QQQ:23.6%;MUB:38.2%,US:54.9;EU:17.9;APAC:14.3;EM:10.4;Other:2.5,Value:-0.3;Growth:+0.8;Quality:-0.4;Size:+0.1;Momentum:-0.4;LowVol:-0.5,,10,35,5.7,trailing 9%,201,16.0,Sideways,18.3,4.46,2.7,92,47,88,50,false,Buy,Add to core equity +1%,-1,-19,BrokerC,VWAP,88,None,None,Normal monitoring,-19,18,-25,5,false,Tighten stops on momentum names
P1063,Systematic,IRA,USD,2025-06-10,568993,25150,543843,1.0,58.5,30.3,3.4,7.7,IEF:15.8%;MSFT:24.6%;AMZN:24.6%;VTI:17.8%;VOO:17.2%,US:62.2;EU:10.0;APAC:17.3;EM:7.7;Other:2.9,Value:-0.9;Growth:-0.1;Quality:-0.8;Size:+0.5;Momentum:-0.1;LowVol:-0.1,NoDerivatives,7,25,5.2,trailing 8%,207,16.8,Bear,22.3,3.06,2.8,184,-36,34,49,false,NoAction,Within bands; monitor,0,-20,BrokerB,LMT,91,None,None,Normal monitoring,1,-4,133,4,false,Tax-aware sells next window
P1064,Opportunistic,Trust,USD,2025-11-29,1269345,67992,1201353,1.0,62.7,21.7,8.3,7.3,VNQ:33.3%;VTI:33.3%;TSLA:33.3%,US:73.8;EU:15.7;APAC:5.5;EM:3.1;Other:1.9,Value:-0.4;Growth:+0.9;Quality:+0.1;Size:+0.3;Momentum:+0.6;LowVol:-0.9,,10,35,6.3,hard 12%,254,21.0,Volatile,25.8,3.79,2.3,149,29,56,72,true,Reduce,"Cut high-beta by 2-3%, add cash",23,13,BrokerB,LMT,98,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-30,2,94,2,false,Monitor dispersion and breadth
P1065,Opportunistic,IRA,USD,2025-08-19,956241,75984,880257,1.16,60.3,21.1,13.3,5.4,MSFT:17.0%;VNQ:21.6%;VTI:20.7%;IEF:19.1%;AMZN:21.6%,US:67.6;EU:11.5;APAC:8.4;EM:11.2;Other:1.2,Value:-0.1;Growth:-0.6;Quality:-0.2;Size:+0.3;Momentum:-0.4;LowVol:+0.2,,7,25,5.8,trailing 7%,270,24.7,Volatile,23.2,4.15,2.7,176,-55,15,63,false,Rebalance,Shift +1% to bonds from equity,-5,-23,BrokerA,MKT,89,None,None,Normal monitoring,33,3,94,5,false,Tax-aware sells next window
P1066,Active,Trust,USD,2025-09-16,1100512,131390,969122,1.0,54.0,26.7,12.0,7.2,TLT:34.4%;BND:31.3%;VTI:34.4%,US:63.4;EU:15.8;APAC:8.3;EM:9.4;Other:3.1,Value:-0.4;Growth:+0.2;Quality:+0.2;Size:+0.2;Momentum:-0.2;LowVol:+0.8,MaxPos8%,10,35,4.4,trailing 8%,203,19.2,Volatile,29.3,3.75,2.2,157,-25,39,81,true,Reduce,"Cut high-beta by 2-3%, add cash",-1,15,BrokerC,LMT,89,VAR>budget,Reduce,Risk above budget threshold,-4,-32,44,3,true,Monitor dispersion and breadth
P1067,Cautious,Taxable,USD,2025-11-27,160680,23553,137127,1.0,39.6,32.8,13.4,14.2,VNQ:33.3%;BRK.B:33.3%;IEF:33.3%,US:66.7;EU:11.4;APAC:9.1;EM:9.7;Other:3.0,Value:+0.5;Growth:+0.9;Quality:-0.5;Size:+0.7;Momentum:+0.8;LowVol:+0.7,ESGOnly;MaxPos6%;NoDerivatives;NoMargin,8,30,3.0,trailing 10%,98,15.9,Volatile,25.2,4.07,2.9,110,-25,48,50,false,Rebalance,Shift +1% to bonds from equity,-7,-30,BrokerB,MKT,93,None,None,Normal monitoring,113,0,74,3,false,Tax-aware sells next window
P1068,Hands-off,Taxable,USD,2024-09-12,456711,34990,421721,1.0,63.9,24.8,1.3,9.9,QQQ:22.4%;BND:22.4%;AAPL:22.4%;AMZN:19.7%;VOO:13.0%,US:69.9;EU:12.4;APAC:6.5;EM:5.5;Other:5.7,Value:+0.9;Growth:-0.8;Quality:-0.1;Size:+0.5;Momentum:-0.8;LowVol:+0.8,,5,30,5.8,hard 10%,154,18.6,Bear,28.3,3.4,1.3,184,23,47,72,true,Hedge,Buy index puts 1% notional,-4,12,BrokerC,MKT,88,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,61,-20,44,2,false,Increase defensive factor exposure
P1069,Active,401k,USD,2025-09-13,1066131,86172,979959,1.0,53.7,27.5,13.2,5.7,VNQ:34.4%;GLD:31.1%;BND:34.4%,US:74.9;EU:9.3;APAC:7.6;EM:7.7;Other:0.4,Value:+0.9;Growth:-0.4;Quality:-0.5;Size:-0.0;Momentum:-0.8;LowVol:-0.6,MaxPos7%,10,30,4.4,trailing 9%,182,24.8,Sideways,20.7,4.62,2.4,92,56,78,63,false,Buy,Add to core equity +1%,7,7,BrokerC,MKT,94,None,None,Normal monitoring,0,-5,28,4,false,Monitor dispersion and breadth
P1070,Cautious,Trust,USD,2024-08-23,765331,107602,657729,1.0,45.8,31.0,9.9,13.3,GLD:25.6%;TSLA:23.2%;XLF:25.6%;HYG:25.6%,US:75.0;EU:9.2;APAC:7.4;EM:8.3;Other:0.0,Value:-0.8;Growth:-0.9;Quality:+0.9;Size:-0.8;Momentum:+0.8;LowVol:+0.6,NoMargin,10,30,3.2,hard 10%,123,16.1,Volatile,31.5,4.65,3.6,144,-4,37,75,true,Hedge,Buy index puts 1% notional,19,10,BrokerB,MKT,88,Drift>tolerance,Hedge,Allocation drift beyond policy bands,103,-27,69,3,false,Monitor dispersion and breadth
P1071,Systematic,Trust,USD,2025-11-26,1389045,102818,1286227,1.0,62.8,25.6,2.9,8.6,BND:33.3%;TSLA:33.3%;AMZN:33.3%,US:72.9;EU:6.8;APAC:7.9;EM:12.1;Other:0.3,Value:+0.2;Growth:+0.1;Quality:-0.0;Size:0.0;Momentum:+0.7;LowVol:-0.9,,7,35,4.5,hard 12%,224,25.5,Bull,17.6,4.37,2.1,117,2,38,46,false,Rebalance,Shift +1% to bonds from equity,-4,-23,BrokerD,LMT,90,None,None,Normal monitoring,37,-11,69,3,false,Within IPS guidelines
P1072,Active,Trust,USD,2024-12-02,1947186,233458,1713728,1.0,51.0,18.1,21.3,9.7,MSFT:27.9%;VNQ:27.9%;VOO:25.9%;BND:18.2%,US:69.5;EU:16.8;APAC:5.6;EM:3.6;Other:4.6,Value:-0.1;Growth:+0.3;Quality:+0.7;Size:+0.7;Momentum:-0.4;LowVol:-0.0,MaxPos7%,5,30,5.3,trailing 9%,196,18.9,Volatile,30.4,3.98,4.0,123,22,53,69,false,Rebalance,Shift +1% to bonds from equity,-7,-9,BrokerA,LMT,88,None,None,Normal monitoring,72,9,55,5,false,Tighten stops on momentum names
P1073,Opportunistic,IRA,USD,2024-08-31,662493,53633,608860,1.21,65.0,16.7,12.4,5.8,AMZN:28.3%;GLD:15.2%;MSFT:28.3%;TLT:28.3%,US:65.2;EU:9.8;APAC:9.3;EM:13.9;Other:1.8,Value:-0.2;Growth:-0.3;Quality:0.0;Size:-0.9;Momentum:-0.8;LowVol:-0.0,MaxPos6%,8,30,6.1,trailing 9%,180,26.5,Bear,25.5,3.25,2.6,170,-110,5,61,true,Hedge,Buy index puts 1% notional,12,-18,BrokerC,LMT,85,VAR>budget,Hedge,Risk above budget threshold,43,-12,16,3,false,Within IPS guidelines
P1074,Active,401k,USD,2025-12-13,2002843,123004,1879839,1.08,50.7,29.1,13.6,6.5,MSFT:11.3%;VNQ:20.3%;MUB:17.1%;IEF:20.3%;QQQ:16.3%;VTI:14.7%,US:61.5;EU:17.2;APAC:11.9;EM:8.1;Other:1.3,Value:+0.1;Growth:-0.0;Quality:-0.9;Size:-0.1;Momentum:-0.9;LowVol:+0.7,MaxPos6%,10,30,4.9,trailing 9%,161,27.9,Volatile,28.8,4.6,2.7,165,43,64,74,true,Hedge,Buy index puts 1% notional,-7,-12,BrokerC,LMT,86,VAR>budget,TightenStops,Risk above budget threshold,118,1,246,3,false,Tax-aware sells next window
P1075,Active,Roth,USD,2024-09-05,617423,41353,576070,1.14,62.9,26.6,3.5,7.0,XLF:19.6%;GLD:11.7%;HYG:14.7%;IEF:18.2%;VOO:16.0%;TLT:19.8%,US:58.2;EU:13.7;APAC:17.0;EM:7.0;Other:4.1,Value:+0.1;Growth:-0.6;Quality:+0.9;Size:+0.9;Momentum:-0.6;LowVol:-0.8,MaxPos7%,8,30,5.4,trailing 9%,174,17.5,Sideways,20.6,4.58,3.3,97,6,54,54,false,Rebalance,Shift +1% to bonds from equity,-13,1,BrokerB,MKT,92,None,None,Normal monitoring,64,-22,158,4,false,Tax-aware sells next window
P1076,Opportunistic,Taxable,USD,2024-07-08,485896,14933,470963,1.0,70.1,17.7,4.7,7.4,GLD:33.3%;TSLA:33.3%;AAPL:33.3%,US:71.8;EU:6.9;APAC:11.0;EM:5.5;Other:4.7,Value:+0.5;Growth:+0.7;Quality:+0.7;Size:+0.3;Momentum:+0.7;LowVol:-0.4,MaxPos8%,5,35,5.0,trailing 7%,170,34.7,Sideways,16.1,4.0,3.2,140,-28,41,46,true,Reduce,"Cut high-beta by 2-3%, add cash",4,14,BrokerD,LMT,93,RegimeShift,Reduce,Volatility spike and breadth deterioration,73,-28,192,2,false,Increase defensive factor exposure
P1077,Hands-off,Roth,USD,2025-11-05,749558,39127,710431,1.0,56.1,24.1,13.4,6.4,AAPL:18.6%;QQQ:6.8%;HYG:18.6%;VTI:20.9%;XLF:20.3%;BND:14.8%,US:66.5;EU:17.3;APAC:8.0;EM:4.6;Other:3.6,Value:+1.0;Growth:+0.2;Quality:+0.3;Size:-0.8;Momentum:+1.0;LowVol:-0.3,,10,25,4.1,trailing 10%,161,19.1,Sideways,21.2,3.95,2.5,129,15,42,50,false,Sell,Trim extended winner -1%,13,13,BrokerB,MKT,94,None,None,Normal monitoring,49,-31,67,4,false,Tighten stops on momentum names
P1078,Opportunistic,Trust,USD,2025-06-05,744793,65202,679591,1.09,70.4,21.5,0.0,8.1,TLT:20.5%;VTI:16.1%;MUB:20.4%;MSFT:23.5%;VOO:19.6%,US:67.6;EU:12.5;APAC:8.3;EM:10.1;Other:1.5,Value:+0.1;Growth:0.0;Quality:+0.3;Size:-0.8;Momentum:-0.5;LowVol:-0.4,MaxPos8%;NoDerivatives,10,30,4.5,trailing 9%,173,27.4,Bear,32.0,3.77,1.1,142,29,75,94,true,Rebalance,Rebalance back to target bands,10,-4,BrokerD,MKT,97,VAR>budget,Hedge,Risk above budget threshold,23,-52,81,2,false,Monitor dispersion and breadth
P1079,Opportunistic,401k,USD,2025-08-26,1568216,108373,1459843,1.0,72.4,12.4,9.9,5.2,VOO:16.9%;AMZN:23.1%;TSLA:13.9%;IEF:23.1%;MUB:23.1%,US:72.6;EU:6.2;APAC:8.8;EM:10.4;Other:1.9,Value:-0.5;Growth:+0.9;Quality:+0.7;Size:0.0;Momentum:+0.6;LowVol:+1.0,,5,25,4.1,trailing 9%,195,31.8,Bull,11.8,4.08,2.6,71,47,61,41,false,Buy,Add to core equity +1%,-13,3,BrokerA,VWAP,89,None,None,Normal monitoring,-29,-31,95,4,false,Increase defensive factor exposure
P1080,Systematic,Trust,USD,2025-07-12,433882,25098,408784,1.0,65.1,25.0,3.8,6.0,GLD:17.3%;BRK.B:21.9%;QQQ:21.9%;AAPL:21.9%;TSLA:16.9%,US:67.0;EU:17.5;APAC:7.5;EM:4.3;Other:3.7,Value:-0.6;Growth:-0.6;Quality:-0.1;Size:+0.1;Momentum:+0.5;LowVol:-0.9,,6,30,4.6,trailing 9%,166,17.4,Volatile,24.1,4.86,2.2,172,35,55,62,false,Buy,Add to core equity +1%,-8,-14,BrokerD,LMT,85,None,None,Normal monitoring,75,-26,85,4,false,Monitor dispersion and breadth
P1081,Hands-off,Trust,USD,2024-12-24,733555,31106,702449,1.0,59.9,16.8,13.5,9.8,MSFT:26.4%;AAPL:22.4%;BND:26.4%;TLT:24.8%,US:72.3;EU:13.5;APAC:5.3;EM:6.5;Other:2.4,Value:+1.0;Growth:+0.2;Quality:+0.6;Size:-0.8;Momentum:+0.3;LowVol:+0.4,,8,25,4.8,trailing 8%,127,15.6,Bull,16.3,3.75,3.1,105,90,100,42,false,Hedge,Add TLT +1% as duration hedge,14,-31,BrokerB,LMT,86,None,None,Normal monitoring,108,-40,145,4,false,Tighten stops on momentum names
P1082,Hands-off,Roth,USD,2024-11-29,336416,16671,319745,1.0,72.6,18.1,3.4,5.9,VNQ:33.3%;VOO:33.3%;IEF:33.3%,US:64.7;EU:15.4;APAC:11.8;EM:6.8;Other:1.3,Value:-0.4;Growth:-0.6;Quality:+0.7;Size:-0.9;Momentum:+0.3;LowVol:+0.6,ESGOnly;MaxPos6%,5,25,4.7,hard 10%,162,16.9,Bear,28.7,3.18,2.1,200,-88,16,89,true,Rebalance,Rebalance back to target bands,-10,-17,BrokerA,MKT,89,VAR>budget,Hedge,Risk above budget threshold,-16,-39,-44,2,false,Tighten stops on momentum names
P1083,Active,Trust,USD,2024-07-10,1770619,195180,1575439,1.0,63.6,19.7,10.6,6.2,AAPL:10.5%;VTI:21.5%;QQQ:10.5%;HYG:16.4%;MUB:21.5%;VNQ:19.6%,US:67.1;EU:12.0;APAC:10.4;EM:7.2;Other:3.3,Value:+0.4;Growth:0.0;Quality:+0.8;Size:-0.1;Momentum:+0.7;LowVol:+1.0,,7,35,5.1,hard 12%,225,18.4,Volatile,28.4,4.48,3.7,113,21,52,69,false,Rebalance,Shift +1% to bonds from equity,25,-4,BrokerC,MKT,96,None,None,Normal monitoring,-52,-18,65,5,false,Tax-aware sells next window
P1084,Hands-off,401k,USD,2025-07-10,754875,31413,723462,1.0,66.6,19.6,5.3,8.5,TLT:13.1%;XLF:21.0%;VOO:18.4%;AMZN:21.0%;BRK.B:13.1%;AAPL:13.5%,US:65.6;EU:14.1;APAC:11.1;EM:8.3;Other:0.9,Value:+0.6;Growth:-0.6;Quality:-0.8;Size:-0.8;Momentum:-0.5;LowVol:-0.5,MaxPos5%,8,30,4.5,hard 10%,124,15.3,Volatile,23.7,4.76,3.8,152,-34,27,74,true,Hedge,Buy index puts 1% notional,-2,-40,BrokerA,MKT,85,VAR>budget,Hedge,Risk above budget threshold,-43,-59,50,4,true,Tax-aware sells next window
P1085,Active,Taxable,USD,2024-12-26,2085869,190621,1895248,1.22,61.1,22.9,10.8,5.1,GLD:10.0%;IEF:24.1%;MUB:24.1%;BRK.B:24.1%;VNQ:17.6%,US:61.8;EU:21.2;APAC:6.7;EM:5.5;Other:4.9,Value:+0.2;Growth:+0.4;Quality:+0.6;Size:-0.0;Momentum:+0.7;LowVol:+0.1,,7,25,5.7,hard 12%,134,22.8,Bull,11.3,3.61,2.8,102,111,99,46,false,Rebalance,Shift +1% to bonds from equity,-8,-6,BrokerD,MKT,100,None,None,Normal monitoring,-44,-35,-83,3,false,Increase defensive factor exposure
P1086,Hands-off,Trust,USD,2024-08-30,690432,34459,655973,1.0,57.1,26.7,9.1,7.1,QQQ:17.2%;AAPL:27.6%;TLT:27.6%;BND:27.6%,US:62.3;EU:19.3;APAC:11.6;EM:4.7;Other:2.1,Value:+0.8;Growth:-0.8;Quality:+0.5;Size:-0.5;Momentum:+1.0;LowVol:+0.1,ESGOnly;MaxPos5%;NoDerivatives,10,30,4.9,hard 10%,137,16.6,Volatile,27.8,3.69,4.5,160,33,51,76,true,Rebalance,Rebalance back to target bands,0,14,BrokerB,MKT,87,VAR>budget,Reduce,Risk above budget threshold,69,-14,75,4,false,Monitor dispersion and breadth
P1087,Active,IRA,USD,2025-10-05,962219,92281,869938,1.0,50.8,20.5,23.3,5.4,VOO:33.3%;BND:33.3%;MSFT:33.3%,US:67.4;EU:12.1;APAC:9.1;EM:10.0;Other:1.3,Value:-0.0;Growth:+0.2;Quality:+0.2;Size:+0.4;Momentum:-0.2;LowVol:+0.6,,10,25,4.7,trailing 8%,202,21.6,Sideways,18.1,3.83,3.1,124,3,66,44,true,Hedge,Buy index puts 1% notional,-13,5,BrokerB,LMT,87,RegimeShift,Reduce,Volatility spike and breadth deterioration,12,0,62,3,false,Within IPS guidelines
P1088,Systematic,Taxable,USD,2024-11-06,1997191,128402,1868789,1.0,64.2,29.7,0.0,6.2,BND:21.8%;MSFT:7.3%;HYG:21.8%;MUB:21.8%;XLF:20.3%;VOO:7.0%,US:62.2;EU:10.7;APAC:12.6;EM:10.9;Other:3.7,Value:0.0;Growth:-0.2;Quality:-0.8;Size:+0.4;Momentum:+0.1;LowVol:-0.1,,8,35,5.9,hard 12%,133,26.0,Bull,13.6,4.15,2.1,76,71,70,54,false,Rebalance,Shift +1% to bonds from equity,27,9,BrokerC,MKT,92,None,None,Normal monitoring,21,-34,132,4,false,Monitor dispersion and breadth
P1089,Active,Trust,USD,2025-01-08,1493509,168364,1325145,1.23,62.1,27.8,1.6,8.5,HYG:33.3%;MSFT:33.3%;TSLA:33.3%,US:65.3;EU:13.0;APAC:13.2;EM:5.5;Other:3.0,Value:-0.3;Growth:-0.7;Quality:-0.3;Size:-0.7;Momentum:-1.0;LowVol:+0.5,MaxPos7%,5,35,5.0,trailing 9%,125,21.1,Sideways,20.0,4.96,2.7,121,18,61,66,false,Sell,Trim extended winner -1%,-4,-32,BrokerB,VWAP,98,None,None,Normal monitoring,33,-15,36,3,false,Tax-aware sells next window
P1090,Hands-off,401k,USD,2025-12-17,647530,56337,591193,1.0,58.3,28.7,5.2,7.9,VTI:16.1%;VNQ:20.5%;QQQ:11.4%;AAPL:20.5%;VOO:20.5%;TSLA:11.2%,US:71.6;EU:6.7;APAC:14.8;EM:4.4;Other:2.5,Value:+0.3;Growth:-0.4;Quality:-0.8;Size:-0.8;Momentum:-0.2;LowVol:0.0,ESGOnly,7,35,4.4,trailing 8%,157,18.3,Sideways,17.3,4.11,2.5,132,27,63,55,false,Rebalance,Shift +1% to bonds from equity,26,-11,BrokerD,MKT,88,None,None,Normal monitoring,-59,16,29,3,false,Increase defensive factor exposure
P1091,Opportunistic,Trust,USD,2025-10-09,659206,46502,612704,1.0,65.4,13.4,15.3,5.8,TLT:13.6%;VNQ:21.2%;VTI:21.2%;MSFT:11.9%;IEF:11.0%;MUB:21.2%,US:69.3;EU:15.4;APAC:6.4;EM:7.1;Other:1.7,Value:-0.4;Growth:-0.4;Quality:+0.3;Size:+0.3;Momentum:+0.2;LowVol:+1.0,,5,35,6.4,trailing 9%,265,23.6,Volatile,22.5,4.09,2.8,163,39,60,66,false,Buy,Add to core equity +1%,17,-26,BrokerD,LMT,85,None,None,Normal monitoring,27,-23,105,4,false,Tax-aware sells next window
P1092,Hands-off,Trust,USD,2025-05-10,516429,44758,471671,1.0,64.8,29.4,0.3,5.5,MSFT:25.8%;VTI:25.8%;BND:25.8%;VNQ:22.5%,US:76.1;EU:10.4;APAC:9.9;EM:3.4;Other:0.1,Value:-0.3;Growth:+0.9;Quality:-0.2;Size:-0.5;Momentum:-0.3;LowVol:-0.1,,6,30,5.3,trailing 10%,126,18.5,Bull,16.6,3.99,3.3,94,47,68,43,false,Rebalance,Shift +1% to bonds from equity,29,-13,BrokerB,MKT,89,None,None,Normal monitoring,40,-8,64,5,false,Tighten stops on momentum names
P1093,Cautious,Trust,USD,2025-11-02,696628,102664,593964,1.0,50.6,30.9,4.3,14.2,MUB:21.8%;MSFT:21.8%;AMZN:21.8%;HYG:6.6%;XLF:15.9%;QQQ:12.2%,US:69.1;EU:9.0;APAC:11.3;EM:7.8;Other:3.0,Value:-0.8;Growth:-0.9;Quality:+0.3;Size:-0.1;Momentum:-0.8;LowVol:-0.4,NoMargin,8,30,3.1,hard 10%,135,15.4,Bull,13.8,4.12,3.2,97,1,40,31,false,Buy,Add to core equity +1%,-15,1,BrokerD,MKT,96,None,None,Normal monitoring,-42,-18,-9,4,false,Tighten stops on momentum names
P1094,Active,Trust,USD,2024-09-08,1569954,111656,1458298,1.09,64.6,25.4,0.0,9.9,IEF:28.8%;XLF:28.8%;GLD:13.6%;HYG:28.8%,US:70.2;EU:8.3;APAC:7.3;EM:12.7;Other:1.5,Value:+0.6;Growth:-0.6;Quality:+0.5;Size:-0.5;Momentum:+0.7;LowVol:+0.1,,10,35,5.7,trailing 9%,122,21.8,Bear,28.1,4.09,2.4,187,-56,25,74,true,Rebalance,Rebalance back to target bands,6,-2,BrokerC,MKT,86,RegimeShift,Reduce,Volatility spike and breadth deterioration,117,-40,245,3,false,Tighten stops on momentum names
P1095,Opportunistic,Taxable,USD,2025-12-07,666787,48389,618398,1.0,67.5,12.6,14.8,5.1,VTI:35.4%;BRK.B:29.3%;XLF:35.4%,US:60.4;EU:18.7;APAC:7.8;EM:8.7;Other:4.4,Value:+0.9;Growth:-0.7;Quality:-0.5;Size:-0.4;Momentum:+0.7;LowVol:-0.6,,7,25,6.9,trailing 9%,165,23.7,Bull,17.0,4.66,2.5,83,24,51,47,false,Rebalance,Shift +1% to bonds from equity,19,11,BrokerC,MKT,94,None,None,Normal monitoring,-12,11,20,4,false,Increase defensive factor exposure
P1096,Cautious,Trust,USD,2025-12-17,819709,104440,715269,1.0,35.4,43.5,10.1,10.9,XLF:25.8%;HYG:27.0%;TLT:20.1%;AAPL:27.0%,US:66.0;EU:15.3;APAC:7.5;EM:10.8;Other:0.4,Value:+0.3;Growth:0.0;Quality:+0.3;Size:-0.8;Momentum:-0.1;LowVol:+0.8,ESGOnly;NoMargin,5,25,5.9,trailing 10%,118,13.3,Bull,15.8,3.66,3.1,114,107,90,35,false,Rebalance,Shift +1% to bonds from equity,-9,-13,BrokerC,MKT,98,None,None,Normal monitoring,17,-4,79,3,false,Increase defensive factor exposure
P1097,Hands-off,401k,USD,2024-09-05,417651,17550,400101,1.0,67.5,27.2,0.0,5.3,BND:26.8%;QQQ:26.8%;VTI:19.5%;AMZN:26.8%,US:66.6;EU:16.2;APAC:9.6;EM:6.7;Other:0.9,Value:+0.6;Growth:-0.5;Quality:-0.4;Size:-0.2;Momentum:+0.6;LowVol:-0.8,NoDerivatives,8,25,6.0,trailing 10%,95,16.3,Bull,13.4,4.47,2.6,87,12,64,43,false,Buy,Add to core equity +1%,-2,-9,BrokerD,MKT,85,None,None,Normal monitoring,-45,12,57,3,false,Tax-aware sells next window
P1098,Hands-off,Roth,USD,2025-10-20,411566,32015,379551,1.0,57.4,20.9,16.1,5.6,VNQ:19.7%;MUB:22.5%;BRK.B:12.9%;VOO:22.5%;AAPL:22.5%,US:74.7;EU:5.7;APAC:6.3;EM:10.8;Other:2.6,Value:0.0;Growth:-0.9;Quality:+0.7;Size:+0.9;Momentum:-0.3;LowVol:-0.5,ESGOnly,5,30,5.7,trailing 10%,135,14.4,Bull,11.6,4.62,2.9,101,29,71,28,false,Rebalance,Shift +1% to bonds from equity,30,8,BrokerA,LMT,90,None,None,Normal monitoring,91,-41,84,3,false,Tighten stops on momentum names
P1099,Active,Roth,USD,2025-01-22,1952315,179707,1772608,1.0,63.9,26.3,2.7,7.1,MUB:33.3%;VNQ:33.3%;AAPL:33.3%,US:56.9;EU:20.2;APAC:7.2;EM:11.4;Other:4.4,Value:+0.8;Growth:+0.7;Quality:+0.8;Size:-0.9;Momentum:-0.8;LowVol:+0.1,MaxPos5%;NoDerivatives,10,35,4.2,trailing 8%,149,23.2,Volatile,24.4,3.93,3.6,142,-56,31,72,true,Hedge,Buy index puts 1% notional,-4,15,BrokerB,LMT,93,Drift>tolerance,Hedge,Allocation drift beyond policy bands,119,-56,199,2,false,Within IPS guidelines
P1100,Cautious,Taxable,USD,2025-04-23,875318,93912,781406,1.0,43.9,42.2,0.0,13.9,AAPL:21.4%;GLD:21.4%;HYG:21.4%;AMZN:14.3%;XLF:21.4%,US:61.8;EU:12.4;APAC:14.1;EM:7.1;Other:4.6,Value:-0.5;Growth:0.0;Quality:-0.2;Size:-0.1;Momentum:+0.2;LowVol:-0.5,NoMargin,8,25,4.6,trailing 8%,127,18.8,Bull,14.6,4.88,3.5,98,45,71,30,false,Hedge,Add TLT +1% as duration hedge,22,-26,BrokerB,MKT,96,None,None,Normal monitoring,54,-18,102,4,false,Tax-aware sells next window
P1101,Opportunistic,Roth,USD,2025-04-19,499178,15996,483182,1.12,73.1,13.9,4.2,8.8,AAPL:20.2%;HYG:23.1%;MSFT:16.8%;VOO:16.8%;XLF:23.1%,US:69.0;EU:12.4;APAC:12.6;EM:3.1;Other:2.9,Value:+0.5;Growth:-1.0;Quality:-0.2;Size:+0.8;Momentum:-0.2;LowVol:+0.5,MaxPos5%,10,35,4.4,trailing 7%,214,31.7,Sideways,15.2,4.93,2.3,116,35,71,56,false,Buy,Add to core equity +1%,0,3,BrokerA,LMT,87,None,None,Normal monitoring,-52,16,-4,3,false,Increase defensive factor exposure
P1102,Hands-off,Taxable,USD,2025-08-06,871459,63047,808412,1.0,60.7,24.1,7.1,8.1,QQQ:33.9%;MUB:32.1%;AAPL:33.9%,US:67.5;EU:8.5;APAC:13.0;EM:9.3;Other:1.7,Value:+0.3;Growth:-0.4;Quality:-0.3;Size:-0.9;Momentum:+0.4;LowVol:+0.1,MaxPos8%,5,25,3.9,trailing 10%,96,17.1,Bull,15.8,4.11,2.9,97,51,73,49,false,Buy,Add to core equity +1%,-3,-15,BrokerA,MKT,95,None,None,Normal monitoring,29,8,14,5,false,Within IPS guidelines
P1103,Opportunistic,401k,USD,2025-03-20,770947,37730,733217,1.07,69.0,11.4,11.0,8.7,MUB:33.3%;VOO:33.3%;BND:33.3%,US:66.6;EU:10.1;APAC:12.8;EM:9.8;Other:0.7,Value:+0.4;Growth:-0.7;Quality:+0.6;Size:+0.9;Momentum:-0.6;LowVol:+0.8,NoDerivatives,10,30,4.2,hard 12%,171,32.2,Bear,24.6,3.86,1.2,147,10,69,76,true,Hedge,Buy index puts 1% notional,21,-5,BrokerA,MKT,87,Drift>tolerance,Pause,Allocation drift beyond policy bands,93,-28,74,2,false,Tax-aware sells next window
P1104,Active,Trust,USD,2024-12-17,839033,67508,771525,1.0,56.1,29.8,6.6,7.5,TLT:33.3%;VOO:33.3%;IEF:33.3%,US:74.5;EU:5.6;APAC:6.2;EM:9.7;Other:4.0,Value:+1.0;Growth:+0.8;Quality:+1.0;Size:+0.2;Momentum:+0.4;LowVol:+0.9,,10,35,4.3,trailing 9%,189,18.4,Bear,25.1,3.44,2.4,220,-10,51,61,false,Rebalance,Shift +1% to bonds from equity,1,-25,BrokerC,MKT,87,None,None,Normal monitoring,111,-36,151,3,false,Tighten stops on momentum names
P1105,Systematic,401k,USD,2025-01-22,1504019,133015,1371004,1.0,55.0,28.0,10.1,6.9,VTI:15.5%;AAPL:28.2%;BND:28.2%;QQQ:28.2%,US:55.6;EU:21.4;APAC:8.7;EM:12.8;Other:1.5,Value:+0.6;Growth:-1.0;Quality:+0.2;Size:-0.7;Momentum:+0.1;LowVol:-0.2,NoDerivatives,7,25,4.9,trailing 8%,225,20.8,Bear,29.1,4.19,1.5,190,-57,33,80,true,Rebalance,Rebalance back to target bands,-11,-11,BrokerB,LMT,94,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-21,-10,26,5,false,Increase defensive factor exposure
P1106,Opportunistic,IRA,USD,2025-02-23,459705,22527,437178,1.0,60.9,13.9,18.6,6.6,IEF:27.1%;QQQ:27.1%;TLT:18.6%;AMZN:27.1%,US:64.7;EU:17.2;APAC:8.8;EM:8.0;Other:1.3,Value:+0.5;Growth:+0.5;Quality:-0.9;Size:+0.9;Momentum:+0.8;LowVol:+0.1,NoDerivatives,10,30,6.6,hard 12%,225,27.2,Volatile,24.4,4.33,4.0,148,-30,46,67,false,Rebalance,Shift +1% to bonds from equity,23,14,BrokerA,LMT,85,None,None,Normal monitoring,-8,-8,32,4,false,Tax-aware sells next window
P1107,Hands-off,401k,USD,2025-01-15,299095,18058,281037,1.0,60.5,24.7,5.8,9.0,MUB:33.3%;VNQ:33.3%;GLD:33.3%,US:62.5;EU:11.4;APAC:14.1;EM:8.1;Other:3.9,Value:+0.8;Growth:+0.9;Quality:0.0;Size:+0.3;Momentum:-0.5;LowVol:+0.9,,5,35,4.8,trailing 8%,151,15.9,Bear,28.1,3.62,2.1,170,-5,36,68,false,NoAction,Within bands; monitor,13,-24,BrokerB,MKT,0,None,None,Normal monitoring,103,-11,136,4,false,Tighten stops on momentum names
P1108,Cautious,IRA,USD,2024-07-15,190949,18380,172569,1.0,36.5,40.7,6.8,16.0,GLD:25.7%;TLT:22.8%;AMZN:25.7%;BND:25.7%,US:62.2;EU:18.8;APAC:6.6;EM:7.2;Other:5.2,Value:-0.1;Growth:-0.3;Quality:-0.1;Size:+1.0;Momentum:-0.3;LowVol:+0.9,NoMargin,6,35,4.6,trailing 8%,95,16.0,Bear,23.2,3.34,1.6,168,-18,31,43,false,Rebalance,Shift +1% to bonds from equity,23,8,BrokerB,VWAP,96,None,None,Normal monitoring,-2,-19,0,4,false,Within IPS guidelines
P1109,Systematic,Roth,USD,2025-09-16,840713,77344,763369,1.0,57.0,26.2,7.1,9.8,MSFT:33.3%;IEF:33.3%;QQQ:33.3%,US:70.8;EU:13.4;APAC:5.2;EM:6.6;Other:3.9,Value:+0.8;Growth:-0.1;Quality:-0.3;Size:-0.2;Momentum:0.0;LowVol:+0.2,,5,35,5.4,hard 12%,123,27.4,Bear,33.6,3.6,1.3,162,18,45,75,true,Reduce,"Cut high-beta by 2-3%, add cash",34,-33,BrokerB,LMT,98,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-27,-5,86,2,false,Tax-aware sells next window
P1110,Cautious,401k,USD,2024-11-10,153642,18335,135307,1.0,45.0,35.8,2.8,16.4,VOO:33.3%;GLD:33.3%;IEF:33.3%,US:61.5;EU:14.8;APAC:12.3;EM:9.5;Other:1.9,Value:+0.6;Growth:-0.3;Quality:+1.0;Size:-0.9;Momentum:+0.4;LowVol:-0.3,ESGOnly;NoDerivatives;NoMargin,5,30,3.4,trailing 8%,115,19.4,Sideways,14.9,3.78,3.3,129,11,51,33,false,Rebalance,Shift +1% to bonds from equity,20,-8,BrokerB,MKT,85,None,None,Normal monitoring,93,-35,106,5,false,Tax-aware sells next window
P1111,Cautious,Trust,USD,2025-03-30,240202,25602,214600,1.0,51.3,33.5,0.9,14.3,AMZN:28.4%;BRK.B:21.6%;AAPL:21.6%;IEF:28.4%,US:65.7;EU:7.8;APAC:15.5;EM:8.7;Other:2.4,Value:0.0;Growth:+0.8;Quality:-0.7;Size:+0.2;Momentum:-0.7;LowVol:-0.1,NoMargin,8,30,5.4,trailing 8%,155,16.1,Bull,14.5,4.64,2.6,113,72,82,35,true,Hedge,Buy index puts 1% notional,31,9,BrokerD,LMT,90,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-11,1,-16,5,false,Increase defensive factor exposure
P1112,Systematic,Roth,USD,2025-03-22,1794004,145267,1648737,1.0,59.1,27.4,7.0,6.5,GLD:21.3%;MUB:11.1%;TSLA:18.2%;VNQ:21.3%;HYG:16.4%;MSFT:11.7%,US:73.1;EU:7.9;APAC:5.7;EM:9.7;Other:3.7,Value:-0.6;Growth:+0.8;Quality:-0.7;Size:-0.8;Momentum:-0.4;LowVol:-1.0,,10,25,5.8,trailing 8%,151,19.1,Bull,14.0,4.65,2.5,90,45,74,40,false,Buy,Add to core equity +1%,11,10,BrokerA,LMT,89,None,None,Normal monitoring,-22,-38,-5,3,false,Within IPS guidelines
P1113,Hands-off,401k,USD,2024-12-24,895942,58188,837754,1.0,60.4,22.2,11.0,6.3,VNQ:10.5%;VOO:21.1%;HYG:16.6%;BRK.B:14.0%;TLT:21.1%;GLD:16.6%,US:71.0;EU:16.4;APAC:5.6;EM:6.1;Other:0.8,Value:+0.9;Growth:+0.6;Quality:+0.7;Size:-0.9;Momentum:-0.9;LowVol:-0.5,,5,35,3.1,hard 10%,90,14.7,Sideways,16.9,3.77,2.9,133,11,48,49,false,Rebalance,Shift +1% to bonds from equity,30,-7,BrokerD,MKT,87,None,None,Normal monitoring,36,-45,10,4,false,Monitor dispersion and breadth
P1114,Cautious,Roth,USD,2025-11-05,456669,65433,391236,1.0,49.4,32.0,4.0,14.6,VNQ:31.0%;XLF:34.5%;BND:34.5%,US:65.5;EU:17.2;APAC:9.2;EM:7.7;Other:0.3,Value:-0.6;Growth:-0.5;Quality:+0.2;Size:-0.0;Momentum:-0.4;LowVol:-1.0,ESGOnly;MaxPos5%;NoMargin,10,35,3.0,trailing 10%,90,17.7,Bull,14.6,3.96,2.6,82,80,82,28,false,Rebalance,Shift +1% to bonds from equity,16,-40,BrokerC,MKT,87,None,None,Normal monitoring,41,16,45,3,false,Within IPS guidelines
P1115,Active,Roth,USD,2025-08-23,694467,71519,622948,1.0,66.6,23.9,0.0,9.6,AMZN:20.5%;BRK.B:26.5%;VTI:26.5%;IEF:26.5%,US:66.9;EU:16.4;APAC:11.4;EM:4.3;Other:1.0,Value:0.0;Growth:+0.7;Quality:-0.5;Size:-0.1;Momentum:-0.9;LowVol:+0.5,MaxPos6%,5,30,5.2,trailing 9%,144,18.6,Bull,15.8,4.81,2.9,70,61,79,49,false,Rebalance,Shift +1% to bonds from equity,-15,-34,BrokerB,MKT,88,None,None,Normal monitoring,1,-57,-32,4,false,Tighten stops on momentum names
P1116,Active,Trust,USD,2024-09-09,1503205,159137,1344068,1.21,67.1,22.4,5.4,5.0,VOO:26.3%;MSFT:21.1%;BRK.B:26.3%;MUB:26.3%,US:69.7;EU:7.4;APAC:11.6;EM:10.1;Other:1.2,Value:-0.0;Growth:-0.5;Quality:+0.4;Size:-0.0;Momentum:+0.2;LowVol:+0.1,,10,25,4.0,trailing 8%,198,27.4,Bear,30.7,3.58,1.2,214,-119,5,91,true,Reduce,"Cut high-beta by 2-3%, add cash",9,-39,BrokerC,MKT,91,Drift>tolerance,Hedge,Allocation drift beyond policy bands,88,-37,214,5,true,Within IPS guidelines
P1117,Cautious,Roth,USD,2024-07-05,894525,113200,781325,1.0,39.1,43.0,5.4,12.5,TLT:25.6%;IEF:25.6%;MSFT:23.1%;MUB:25.6%,US:61.1;EU:17.0;APAC:13.3;EM:7.8;Other:0.7,Value:+0.8;Growth:-0.8;Quality:+0.2;Size:-0.6;Momentum:+0.4;LowVol:-0.3,ESGOnly;NoMargin,8,30,5.8,hard 10%,142,12.7,Sideways,18.9,3.88,2.0,123,6,52,32,false,NoAction,Within bands; monitor,24,-13,BrokerD,MKT,0,None,None,Normal monitoring,7,-52,82,4,false,Tighten stops on momentum names
P1118,Opportunistic,401k,USD,2025-01-11,951259,56425,894834,1.0,62.1,10.4,23.2,4.2,MSFT:33.3%;TSLA:33.3%;AAPL:33.3%,US:76.6;EU:8.0;APAC:9.2;EM:5.5;Other:0.6,Value:-0.4;Growth:+0.1;Quality:+0.9;Size:+0.6;Momentum:-0.3;LowVol:0.0,,8,30,5.4,trailing 7%,174,22.6,Sideways,15.0,4.96,3.1,110,-27,28,54,true,Hedge,Buy index puts 1% notional,14,-22,BrokerD,MKT,95,RegimeShift,Pause,Volatility spike and breadth deterioration,14,-17,-1,2,false,Monitor dispersion and breadth
P1119,Systematic,Roth,USD,2025-05-08,916632,60477,856155,1.0,61.5,29.7,0.0,8.8,HYG:14.7%;TLT:20.5%;BRK.B:6.9%;MSFT:20.5%;TSLA:17.5%;VTI:19.9%,US:57.3;EU:20.1;APAC:9.6;EM:11.5;Other:1.5,Value:-0.7;Growth:-0.9;Quality:-0.1;Size:-0.1;Momentum:-0.7;LowVol:-0.1,NoDerivatives,8,25,5.5,trailing 9%,168,25.2,Bear,26.3,3.31,2.2,135,-46,41,72,true,Reduce,"Cut high-beta by 2-3%, add cash",20,-39,BrokerC,LMT,89,VAR>budget,Hedge,Risk above budget threshold,116,-49,214,5,false,Tighten stops on momentum names
P1120,Systematic,401k,USD,2025-06-05,705556,53926,651630,1.0,61.2,32.6,0.0,6.2,BRK.B:14.7%;TLT:28.4%;VTI:28.4%;MSFT:28.4%,US:70.8;EU:8.3;APAC:10.7;EM:9.7;Other:0.5,Value:-0.7;Growth:-0.9;Quality:-0.6;Size:+0.2;Momentum:-0.4;LowVol:-0.2,,10,30,4.8,hard 12%,202,20.4,Volatile,29.6,3.85,2.7,128,7,62,68,false,Hedge,Add TLT +1% as duration hedge,-1,-30,BrokerA,LMT,87,None,None,Normal monitoring,25,-19,9,3,false,Increase defensive factor exposure
P1121,Hands-off,401k,USD,2025-07-05,405587,18099,387488,1.0,60.6,20.1,12.2,7.2,MUB:33.6%;GLD:33.6%;IEF:32.7%,US:67.5;EU:6.9;APAC:12.8;EM:10.0;Other:2.8,Value:+0.5;Growth:+0.2;Quality:-0.9;Size:+0.6;Momentum:-0.7;LowVol:+1.0,ESGOnly,6,35,3.9,trailing 8%,107,19.2,Volatile,22.5,4.34,2.9,152,-28,26,61,false,Rebalance,Shift +1% to bonds from equity,-7,-31,BrokerB,MKT,94,None,None,Normal monitoring,35,-31,101,3,false,Within IPS guidelines
P1122,Active,IRA,USD,2024-08-18,2247822,168476,2079346,1.0,58.1,19.3,13.2,9.4,AMZN:10.2%;BND:21.5%;TSLA:17.7%;QQQ:21.5%;GLD:15.1%;AAPL:14.0%,US:80.6;EU:6.2;APAC:7.9;EM:4.3;Other:0.9,Value:-0.1;Growth:+0.6;Quality:-0.2;Size:0.0;Momentum:-0.4;LowVol:+0.8,,5,25,6.0,trailing 9%,205,23.8,Bear,23.9,4.4,1.2,157,-53,8,55,false,Rebalance,Shift +1% to bonds from equity,33,-36,BrokerB,MKT,96,None,None,Normal monitoring,-60,-7,-79,3,false,Within IPS guidelines
P1123,Active,Roth,USD,2025-03-10,508856,48462,460394,1.21,61.7,25.7,3.9,8.7,GLD:20.8%;QQQ:20.8%;BRK.B:15.8%;AMZN:6.2%;XLF:20.8%;TSLA:15.5%,US:77.0;EU:8.0;APAC:6.2;EM:7.1;Other:1.7,Value:-0.1;Growth:+0.3;Quality:+0.1;Size:+0.9;Momentum:-0.9;LowVol:-0.6,,5,25,4.0,trailing 9%,180,27.0,Sideways,17.2,4.21,2.9,110,54,84,59,false,Buy,Add to core equity +1%,-4,3,BrokerC,MKT,93,None,None,Normal monitoring,19,-56,-18,5,false,Tax-aware sells next window
P1124,Hands-off,Taxable,USD,2024-09-27,836449,70649,765800,1.0,71.0,24.0,0.0,5.0,MUB:17.0%;VTI:20.8%;VOO:20.8%;GLD:20.8%;AAPL:20.8%,US:72.5;EU:6.9;APAC:4.8;EM:11.3;Other:4.5,Value:-0.3;Growth:+0.6;Quality:+0.6;Size:-0.7;Momentum:+0.6;LowVol:+0.2,NoDerivatives,6,25,5.5,trailing 8%,142,13.2,Bull,13.8,3.93,2.8,96,40,65,50,true,Hedge,Buy index puts 1% notional,23,-21,BrokerB,MKT,86,Drift>tolerance,Hedge,Allocation drift beyond policy bands,114,-46,217,2,false,Tighten stops on momentum names
P1125,Cautious,401k,USD,2025-08-21,184104,17518,166586,1.0,46.9,38.7,0.0,14.3,VOO:12.3%;HYG:11.4%;AMZN:25.4%;BND:25.4%;GLD:25.4%,US:71.5;EU:9.4;APAC:6.9;EM:10.5;Other:1.7,Value:-0.2;Growth:-0.9;Quality:+0.4;Size:+0.9;Momentum:-0.9;LowVol:+0.2,NoDerivatives;NoMargin,6,35,3.5,trailing 8%,120,19.3,Volatile,25.6,5.47,2.8,116,69,94,69,false,Rebalance,Shift +1% to bonds from equity,-13,10,BrokerC,MKT,94,None,None,Normal monitoring,82,-9,154,3,false,Tighten stops on momentum names
P1126,Hands-off,Trust,USD,2024-08-04,204085,12274,191811,1.0,65.4,27.4,0.0,7.2,VOO:25.0%;BND:25.0%;VTI:25.0%;TSLA:25.0%,US:72.9;EU:7.5;APAC:13.5;EM:5.5;Other:0.6,Value:-0.1;Growth:+0.4;Quality:+0.5;Size:+0.2;Momentum:+0.2;LowVol:-1.0,ESGOnly,8,30,4.8,trailing 8%,129,14.7,Bull,12.7,4.33,2.5,77,92,100,54,false,Buy,Add to core equity +1%,23,-2,BrokerB,LMT,98,None,None,Normal monitoring,95,-57,114,3,false,Increase defensive factor exposure
P1127,Opportunistic,Taxable,USD,2025-08-19,849591,32286,817305,1.18,67.0,19.5,5.1,8.5,IEF:33.3%;MUB:33.3%;MSFT:33.3%,US:69.1;EU:10.4;APAC:11.1;EM:8.1;Other:1.3,Value:-1.0;Growth:+0.4;Quality:+0.7;Size:+0.6;Momentum:+0.8;LowVol:-0.8,MaxPos5%;NoDerivatives,8,25,4.8,trailing 7%,214,33.6,Bull,15.4,4.32,2.3,103,39,79,61,false,Buy,Add to core equity +1%,9,-18,BrokerC,LMT,87,None,None,Normal monitoring,81,-51,152,3,false,Monitor dispersion and breadth
P1128,Systematic,IRA,USD,2025-08-21,1392527,129503,1263024,1.0,61.8,24.8,3.4,10.0,MSFT:25.0%;HYG:25.0%;VOO:25.0%;AAPL:25.0%,US:78.1;EU:7.0;APAC:6.8;EM:5.4;Other:2.6,Value:-0.0;Growth:-0.1;Quality:+0.6;Size:+1.0;Momentum:-0.7;LowVol:-0.8,,5,35,5.3,trailing 8%,223,21.8,Bull,17.9,4.61,2.3,110,62,86,57,false,Buy,Add to core equity +1%,-12,11,BrokerC,LMT,85,None,None,Normal monitoring,-30,-28,8,4,false,Monitor dispersion and breadth
P1129,Systematic,Taxable,USD,2025-10-19,1841695,134064,1707631,1.0,57.8,26.8,7.2,8.2,MSFT:33.3%;TSLA:33.3%;VNQ:33.3%,US:60.8;EU:14.4;APAC:12.7;EM:10.8;Other:1.3,Value:+0.4;Growth:-0.5;Quality:+0.6;Size:-0.1;Momentum:-0.1;LowVol:-0.9,,7,30,4.1,trailing 8%,150,19.3,Bull,15.4,4.46,2.3,73,60,82,44,false,NoAction,Within bands; monitor,22,-39,BrokerA,LMT,88,None,None,Normal monitoring,65,-45,35,4,false,Monitor dispersion and breadth
P1130,Cautious,IRA,USD,2025-08-01,352496,32035,320461,1.0,45.6,32.8,7.8,13.8,BND:37.2%;AMZN:25.6%;MUB:37.2%,US:62.2;EU:11.4;APAC:13.4;EM:9.3;Other:3.7,Value:+0.8;Growth:+0.3;Quality:+0.9;Size:-0.3;Momentum:+0.4;LowVol:+0.8,MaxPos5%;NoDerivatives;NoMargin,5,35,5.0,trailing 8%,140,12.8,Volatile,22.1,3.61,4.3,134,-9,30,44,false,Sell,Trim extended winner -1%,16,-32,BrokerC,MKT,85,None,None,Normal monitoring,103,-52,127,3,false,Monitor dispersion and breadth
P1131,Cautious,Taxable,USD,2025-09-07,230328,34888,195440,1.0,36.8,39.0,11.4,12.9,AMZN:20.9%;TSLA:20.0%;BND:21.8%;BRK.B:20.5%;AAPL:16.8%,US:71.3;EU:7.2;APAC:13.3;EM:5.6;Other:2.5,Value:-0.6;Growth:+0.8;Quality:-0.2;Size:-0.9;Momentum:+0.8;LowVol:+0.8,MaxPos8%;NoDerivatives;NoMargin,8,30,4.0,trailing 8%,125,17.0,Sideways,20.7,4.73,2.2,138,-12,50,47,true,Reduce,"Cut high-beta by 2-3%, add cash",-9,1,BrokerD,LMT,91,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,73,-40,211,2,false,Tighten stops on momentum names
P1132,Systematic,Trust,USD,2025-02-05,1412920,92043,1320877,1.0,61.9,29.0,0.0,9.1,IEF:33.3%;HYG:33.3%;VTI:33.3%,US:62.8;EU:14.4;APAC:11.7;EM:6.7;Other:4.3,Value:+0.9;Growth:+0.7;Quality:+0.7;Size:+0.2;Momentum:-0.3;LowVol:+0.1,,6,30,5.6,trailing 8%,133,25.8,Sideways,20.0,3.56,3.0,139,37,80,53,false,Rebalance,Shift +1% to bonds from equity,9,-21,BrokerC,LMT,92,None,None,Normal monitoring,63,-14,121,3,false,Within IPS guidelines
P1133,Active,Trust,USD,2025-10-07,2416749,175291,2241458,1.0,69.5,20.0,0.9,9.6,QQQ:18.7%;HYG:14.3%;XLF:26.8%;BND:26.8%;IEF:13.3%,US:55.4;EU:17.2;APAC:13.5;EM:10.0;Other:3.9,Value:+0.4;Growth:+0.5;Quality:-0.1;Size:+0.1;Momentum:+0.9;LowVol:-0.7,,10,30,5.6,hard 12%,154,22.7,Bull,17.4,4.35,2.7,97,42,69,48,false,Buy,Add to core equity +1%,29,-24,BrokerD,MKT,89,None,None,Normal monitoring,0,-17,-29,3,false,Tax-aware sells next window
P1134,Hands-off,Roth,USD,2025-07-02,415814,41473,374341,1.0,68.7,20.5,4.9,5.9,QQQ:27.9%;MSFT:27.9%;AAPL:25.8%;HYG:18.4%,US:76.2;EU:9.9;APAC:6.7;EM:7.0;Other:0.2,Value:+0.2;Growth:-0.9;Quality:-0.1;Size:+0.6;Momentum:-0.0;LowVol:-0.0,ESGOnly;MaxPos8%,8,30,3.9,hard 10%,111,19.5,Sideways,19.0,3.86,3.1,105,-21,45,54,false,Buy,Add to core equity +1%,0,-21,BrokerD,MKT,91,None,None,Normal monitoring,-29,-13,6,4,false,Tax-aware sells next window
P1135,Hands-off,Trust,USD,2024-11-16,471096,41375,429721,1.0,67.7,27.4,0.0,4.9,AAPL:15.6%;TSLA:18.5%;IEF:11.9%;TLT:19.7%;MSFT:18.4%;VNQ:15.9%,US:72.2;EU:7.0;APAC:7.9;EM:9.3;Other:3.6,Value:+0.7;Growth:-0.6;Quality:+0.7;Size:-0.2;Momentum:-0.2;LowVol:+0.4,ESGOnly,6,25,5.2,trailing 8%,96,18.4,Volatile,21.5,3.51,4.0,115,-43,24,61,false,Rebalance,Shift +1% to bonds from equity,33,2,BrokerC,LMT,92,None,None,Normal monitoring,80,-15,109,3,false,Increase defensive factor exposure
P1136,Hands-off,Trust,USD,2025-04-15,777043,39632,737411,1.0,65.7,17.5,8.0,8.8,AAPL:19.0%;QQQ:15.7%;IEF:24.7%;TSLA:24.7%;MSFT:15.8%,US:68.0;EU:14.7;APAC:11.4;EM:5.0;Other:0.8,Value:-0.6;Growth:-0.8;Quality:-0.0;Size:-0.4;Momentum:+0.6;LowVol:+0.6,MaxPos5%,10,25,3.2,hard 10%,94,12.9,Bull,17.1,3.92,2.1,112,45,85,49,false,Rebalance,Shift +1% to bonds from equity,8,-6,BrokerB,MKT,96,None,None,Normal monitoring,106,-53,125,4,false,Tax-aware sells next window
P1137,Hands-off,IRA,USD,2024-10-16,658680,30757,627923,1.0,66.7,26.6,0.0,6.7,MUB:26.2%;TLT:21.3%;VTI:26.2%;AAPL:26.2%,US:66.9;EU:16.8;APAC:7.6;EM:8.5;Other:0.2,Value:+0.8;Growth:-0.5;Quality:-0.7;Size:-0.6;Momentum:-0.8;LowVol:+0.3,MaxPos7%,5,25,5.8,trailing 8%,139,19.3,Bear,34.7,4.03,1.3,218,-38,45,86,true,Rebalance,Rebalance back to target bands,-9,-37,BrokerD,MKT,99,Drift>tolerance,Hedge,Allocation drift beyond policy bands,41,-4,7,2,false,Tighten stops on momentum names
P1138,Systematic,Trust,USD,2024-07-22,1750136,165177,1584959,1.0,57.8,26.1,6.4,9.8,BND:10.0%;GLD:12.5%;TSLA:20.8%;AAPL:19.9%;VTI:16.0%;MSFT:20.8%,US:66.2;EU:6.5;APAC:14.3;EM:10.9;Other:2.1,Value:-0.2;Growth:+0.9;Quality:+0.3;Size:+0.3;Momentum:-0.1;LowVol:+0.2,MaxPos6%;NoDerivatives,7,30,4.7,hard 12%,225,20.0,Bear,27.4,3.43,1.6,142,-19,31,79,true,Hedge,Buy index puts 1% notional,1,7,BrokerC,LMT,85,VAR>budget,Hedge,Risk above budget threshold,-16,-50,83,4,false,Tax-aware sells next window
P1139,Hands-off,IRA,USD,2025-04-04,318699,19576,299123,1.0,71.3,16.5,5.1,7.1,BRK.B:33.4%;VNQ:33.1%;BND:33.4%,US:71.4;EU:11.6;APAC:9.6;EM:4.1;Other:3.3,Value:+0.3;Growth:+0.6;Quality:-0.9;Size:+0.3;Momentum:-0.0;LowVol:+0.4,ESGOnly,8,30,5.4,trailing 8%,112,16.4,Volatile,25.0,4.42,3.1,110,-18,47,66,true,Rebalance,Rebalance back to target bands,11,-36,BrokerD,VWAP,94,Drift>tolerance,Reduce,Allocation drift beyond policy bands,12,3,122,3,false,Monitor dispersion and breadth
P1140,Systematic,IRA,USD,2025-10-29,1688632,87084,1601548,1.0,61.3,30.7,2.9,5.1,BRK.B:8.2%;MUB:20.4%;BND:23.8%;HYG:23.8%;VNQ:23.8%,US:67.9;EU:12.6;APAC:8.8;EM:8.9;Other:1.8,Value:+0.5;Growth:+0.7;Quality:+0.1;Size:+0.7;Momentum:0.0;LowVol:+0.3,MaxPos5%,6,30,4.3,hard 12%,154,26.5,Sideways,18.6,3.85,2.4,103,25,59,54,true,Hedge,Buy index puts 1% notional,11,7,BrokerA,MKT,85,Drift>tolerance,Hedge,Allocation drift beyond policy bands,22,-23,52,3,true,Within IPS guidelines
P1141,Hands-off,IRA,USD,2024-12-04,276516,19284,257232,1.0,70.9,23.4,0.0,5.7,TSLA:20.2%;GLD:11.2%;QQQ:22.9%;AMZN:22.9%;XLF:22.8%,US:61.5;EU:15.1;APAC:12.8;EM:7.2;Other:3.4,Value:-0.4;Growth:+0.1;Quality:+0.1;Size:+0.9;Momentum:+0.8;LowVol:-0.0,ESGOnly;NoDerivatives,5,25,3.3,trailing 10%,125,18.8,Bull,14.2,3.73,2.2,87,81,80,51,false,Rebalance,Shift +1% to bonds from equity,34,10,BrokerB,LMT,93,None,None,Normal monitoring,-43,-58,19,5,false,Tighten stops on momentum names
P1142,Systematic,Trust,USD,2025-03-31,1621628,80735,1540893,1.0,60.7,29.7,0.0,9.6,XLF:26.0%;AMZN:22.1%;MSFT:26.0%;HYG:26.0%,US:70.0;EU:15.2;APAC:10.9;EM:3.4;Other:0.5,Value:+0.2;Growth:-0.3;Quality:+0.5;Size:-0.9;Momentum:+0.8;LowVol:+0.2,MaxPos5%,8,25,4.5,trailing 9%,151,25.3,Sideways,16.1,3.91,2.9,122,12,65,47,false,Rebalance,Shift +1% to bonds from equity,12,-2,BrokerD,LMT,93,None,None,Normal monitoring,26,-7,-5,5,false,Increase defensive factor exposure
P1143,Opportunistic,IRA,USD,2025-02-07,1300420,50049,1250371,1.0,65.1,13.9,15.8,5.3,MSFT:14.5%;AAPL:9.0%;TSLA:18.5%;BRK.B:19.5%;VTI:20.3%;HYG:18.1%,US:80.5;EU:8.2;APAC:6.6;EM:3.9;Other:0.8,Value:+0.5;Growth:+0.8;Quality:+0.7;Size:+0.8;Momentum:+0.8;LowVol:-1.0,,7,35,6.5,trailing 7%,217,33.9,Volatile,28.1,4.61,4.2,130,-7,47,68,false,Rebalance,Shift +1% to bonds from equity,18,-6,BrokerA,LMT,93,None,None,Normal monitoring,-48,-38,-61,3,false,Monitor dispersion and breadth
P1144,Systematic,Trust,USD,2025-09-06,1695715,105811,1589904,1.0,64.7,29.0,1.0,5.2,TSLA:29.6%;IEF:24.2%;VNQ:29.6%;TLT:16.5%,US:65.4;EU:13.2;APAC:11.6;EM:8.3;Other:1.5,Value:-0.5;Growth:+0.1;Quality:+0.7;Size:+0.7;Momentum:+0.5;LowVol:+0.7,NoDerivatives,6,35,4.3,trailing 9%,180,16.9,Sideways,14.5,4.94,2.7,123,44,77,41,false,Sell,Trim extended winner -1%,24,1,BrokerD,LMT,98,None,None,Normal monitoring,16,11,132,5,false,Increase defensive factor exposure
P1145,Active,Taxable,USD,2025-05-05,899606,69877,829729,1.24,58.9,18.7,13.9,8.6,MUB:15.9%;MSFT:10.5%;XLF:10.6%;TSLA:19.6%;BND:21.7%;VOO:21.7%,US:60.9;EU:17.5;APAC:9.0;EM:8.5;Other:4.0,Value:-0.8;Growth:-0.1;Quality:-0.2;Size:+0.9;Momentum:+0.5;LowVol:-0.6,,5,30,4.0,trailing 8%,124,18.8,Bear,30.9,3.04,1.6,202,-68,13,77,true,Reduce,"Cut high-beta by 2-3%, add cash",-5,-6,BrokerC,LMT,96,VAR>budget,Hedge,Risk above budget threshold,97,-20,184,2,true,Within IPS guidelines
P1146,Systematic,Trust,USD,2025-10-21,821781,59596,762185,1.0,62.5,30.4,0.0,7.1,MSFT:14.7%;MUB:22.5%;QQQ:22.5%;BND:17.9%;VOO:22.5%,US:69.3;EU:12.3;APAC:7.9;EM:7.6;Other:2.8,Value:-0.6;Growth:+0.5;Quality:+0.2;Size:+0.5;Momentum:+0.9;LowVol:-0.1,MaxPos6%,6,35,5.9,hard 12%,139,25.2,Sideways,20.4,4.02,3.4,122,6,55,56,false,Sell,Trim extended winner -1%,25,-11,BrokerC,MKT,100,None,None,Normal monitoring,56,-12,52,3,false,Increase defensive factor exposure
P1147,Hands-off,Roth,USD,2024-10-28,787566,35039,752527,1.0,65.2,26.2,0.0,8.6,GLD:28.5%;BRK.B:28.5%;VNQ:28.5%;BND:14.5%,US:59.8;EU:15.7;APAC:15.3;EM:5.0;Other:4.2,Value:-0.8;Growth:+0.2;Quality:0.0;Size:+0.7;Momentum:+0.9;LowVol:+0.9,ESGOnly,5,25,5.0,trailing 8%,103,12.3,Bull,17.3,3.84,2.9,119,8,60,48,true,Rebalance,Rebalance back to target bands,2,-2,BrokerD,MKT,91,VAR>budget,TightenStops,Risk above budget threshold,-58,-25,-55,5,false,Increase defensive factor exposure
P1148,Cautious,401k,USD,2024-12-25,332849,51068,281781,1.0,35.3,35.4,17.1,12.1,VNQ:33.3%;QQQ:33.3%;VOO:33.3%,US:71.9;EU:6.6;APAC:6.6;EM:13.4;Other:1.6,Value:-0.2;Growth:+0.7;Quality:+0.9;Size:+0.6;Momentum:+0.7;LowVol:-0.5,MaxPos7%;NoMargin,10,35,4.8,trailing 8%,116,12.6,Volatile,30.6,4.34,2.3,146,-24,29,62,false,Sell,Trim extended winner -1%,2,9,BrokerD,LMT,95,None,None,Normal monitoring,8,-47,35,5,false,Tighten stops on momentum names
P1149,Active,Roth,USD,2025-05-02,1766795,129818,1636977,1.0,62.0,22.5,10.2,5.3,VOO:24.6%;QQQ:10.1%;AAPL:24.6%;TLT:16.2%;MUB:24.6%,US:67.3;EU:15.8;APAC:8.2;EM:7.9;Other:0.6,Value:-1.0;Growth:-0.8;Quality:-0.7;Size:-0.9;Momentum:+0.6;LowVol:-0.6,NoDerivatives,6,30,5.3,trailing 8%,181,26.9,Bull,11.5,4.99,2.8,88,85,85,49,false,Buy,Add to core equity +1%,2,-19,BrokerB,LMT,90,None,None,Normal monitoring,53,1,71,4,false,Monitor dispersion and breadth
P1150,Opportunistic,Roth,USD,2024-12-29,483357,40248,443109,1.0,75.9,11.4,8.4,4.3,IEF:33.3%;MSFT:33.3%;QQQ:33.3%,US:68.0;EU:14.1;APAC:7.9;EM:6.7;Other:3.3,Value:+0.5;Growth:+0.6;Quality:-0.5;Size:-0.4;Momentum:+0.7;LowVol:+0.2,NoDerivatives,8,35,4.8,trailing 7%,234,24.8,Bear,25.1,3.02,2.5,150,-80,5,75,true,Hedge,Buy index puts 1% notional,17,14,BrokerC,LMT,99,Drift>tolerance,Pause,Allocation drift beyond policy bands,-10,-57,32,2,false,Increase defensive factor exposure
P1151,Cautious,Taxable,USD,2024-08-29,782137,121565,660572,1.0,47.7,38.3,0.0,14.0,BRK.B:17.2%;BND:10.9%;TLT:24.0%;VOO:24.0%;HYG:24.0%,US:59.4;EU:11.9;APAC:14.5;EM:10.8;Other:3.4,Value:+0.3;Growth:-0.3;Quality:+0.2;Size:-0.6;Momentum:+0.5;LowVol:+0.3,ESGOnly;NoMargin,5,35,4.7,hard 10%,105,14.4,Sideways,16.3,4.42,2.5,94,50,78,31,true,Hedge,Buy index puts 1% notional,-14,-15,BrokerB,MKT,97,RegimeShift,Hedge,Volatility spike and breadth deterioration,7,-23,-11,4,false,Increase defensive factor exposure
P1152,Hands-off,Taxable,USD,2025-07-16,867834,66412,801422,1.0,60.3,21.2,11.5,7.0,IEF:15.5%;QQQ:16.0%;MSFT:14.6%;VNQ:27.0%;GLD:27.0%,US:62.9;EU:17.5;APAC:14.4;EM:4.8;Other:0.4,Value:-0.2;Growth:0.0;Quality:+0.7;Size:-0.4;Momentum:+0.2;LowVol:+0.9,ESGOnly,6,25,4.2,trailing 10%,163,16.2,Bear,34.2,3.06,2.8,146,3,39,74,true,Rebalance,Rebalance back to target bands,5,-34,BrokerD,LMT,99,Drift>tolerance,Pause,Allocation drift beyond policy bands,0,19,80,4,false,Tax-aware sells next window
P1153,Cautious,Taxable,USD,2025-11-10,529427,61028,468399,1.0,51.1,31.8,0.0,17.0,HYG:17.6%;QQQ:19.7%;MSFT:20.7%;GLD:7.6%;BND:16.2%;MUB:18.3%,US:68.7;EU:15.5;APAC:6.5;EM:7.6;Other:1.7,Value:+0.5;Growth:-0.1;Quality:+0.2;Size:0.0;Momentum:+0.9;LowVol:+0.3,ESGOnly;NoDerivatives;NoMargin,8,25,3.7,trailing 8%,110,13.5,Volatile,25.4,5.44,2.8,121,54,66,61,false,Buy,Add to core equity +1%,20,-34,BrokerA,VWAP,90,None,None,Normal monitoring,89,-23,124,5,false,Tighten stops on momentum names
P1154,Systematic,Trust,USD,2024-11-11,1891290,84502,1806788,1.0,63.4,29.4,0.0,7.2,AAPL:33.3%;BRK.B:33.3%;AMZN:33.3%,US:69.8;EU:14.2;APAC:5.5;EM:5.5;Other:5.1,Value:+0.1;Growth:+0.9;Quality:+0.1;Size:-0.8;Momentum:-0.6;LowVol:-0.6,NoDerivatives,6,25,5.1,hard 12%,166,25.6,Bull,15.1,4.89,2.4,103,43,58,40,false,Rebalance,Shift +1% to bonds from equity,-2,-16,BrokerA,LMT,91,None,None,Normal monitoring,26,-22,58,4,false,Tighten stops on momentum names
P1155,Active,IRA,USD,2025-08-16,1502365,177472,1324893,1.0,57.3,31.3,5.9,5.5,QQQ:22.6%;IEF:22.6%;TSLA:21.2%;MSFT:16.5%;VNQ:17.3%,US:71.2;EU:10.4;APAC:11.5;EM:6.6;Other:0.2,Value:-0.9;Growth:+0.4;Quality:+0.3;Size:-0.0;Momentum:-0.4;LowVol:-0.9,NoDerivatives,10,35,5.9,trailing 8%,125,23.3,Sideways,21.0,3.69,3.5,112,56,88,58,false,Rebalance,Shift +1% to bonds from equity,12,-7,BrokerD,MKT,96,None,None,Normal monitoring,-1,1,57,4,false,Tighten stops on momentum names
P1156,Systematic,IRA,USD,2024-10-29,665291,38136,627155,1.0,64.1,21.6,5.3,9.0,BND:23.6%;AMZN:23.6%;GLD:23.6%;TLT:10.6%;TSLA:8.6%;VTI:9.9%,US:75.2;EU:6.4;APAC:9.5;EM:6.8;Other:2.1,Value:+0.2;Growth:-0.2;Quality:-0.1;Size:+0.3;Momentum:+0.4;LowVol:-0.6,,6,30,5.6,hard 12%,120,27.6,Volatile,23.1,4.73,3.5,172,36,55,69,false,Buy,Add to core equity +1%,-4,-33,BrokerA,MKT,88,None,None,Normal monitoring,90,-8,141,5,false,Within IPS guidelines
P1157,Hands-off,IRA,USD,2025-01-23,625208,55558,569650,1.0,59.7,27.8,5.8,6.7,BRK.B:11.9%;HYG:27.0%;TSLA:27.0%;VOO:17.6%;VNQ:16.5%,US:63.6;EU:11.0;APAC:11.7;EM:13.6;Other:0.1,Value:0.0;Growth:+0.9;Quality:-0.8;Size:-0.6;Momentum:0.0;LowVol:-0.7,,10,30,5.0,hard 10%,126,16.6,Sideways,22.0,4.94,3.3,99,34,70,52,false,Rebalance,Shift +1% to bonds from equity,-9,-17,BrokerB,LMT,97,None,None,Normal monitoring,38,17,59,5,false,Increase defensive factor exposure
P1158,Systematic,401k,USD,2024-08-23,854309,42238,812071,1.0,56.9,23.2,10.5,9.4,TLT:21.7%;MSFT:18.1%;VTI:18.2%;BND:20.7%;GLD:21.3%,US:63.0;EU:14.7;APAC:8.4;EM:10.5;Other:3.5,Value:0.0;Growth:-0.4;Quality:-0.0;Size:-0.5;Momentum:+0.1;LowVol:-0.4,MaxPos5%,6,30,4.4,trailing 9%,138,20.1,Sideways,17.5,3.8,2.4,104,12,53,49,false,Buy,Add to core equity +1%,23,-28,BrokerD,LMT,88,None,None,Normal monitoring,1,-2,111,5,false,Monitor dispersion and breadth
P1159,Hands-off,Roth,USD,2025-03-14,175235,7582,167653,1.0,68.8,19.9,1.8,9.5,HYG:23.0%;MSFT:18.2%;IEF:23.0%;TLT:22.0%;BRK.B:13.8%,US:67.0;EU:15.6;APAC:5.8;EM:10.6;Other:1.0,Value:+0.8;Growth:+0.5;Quality:-0.5;Size:+0.5;Momentum:0.0;LowVol:+0.1,,10,30,3.2,trailing 8%,112,17.1,Bull,15.0,4.14,2.8,105,39,79,59,false,Rebalance,Shift +1% to bonds from equity,-14,13,BrokerA,VWAP,96,None,None,Normal monitoring,1,-52,117,5,false,Monitor dispersion and breadth
P1160,Cautious,Roth,USD,2025-04-28,773233,89522,683711,1.0,49.6,35.0,0.9,14.5,TLT:33.3%;VOO:33.3%;VNQ:33.3%,US:63.0;EU:12.0;APAC:12.3;EM:9.2;Other:3.5,Value:0.0;Growth:-1.0;Quality:-0.6;Size:+0.5;Momentum:+0.4;LowVol:-0.8,MaxPos5%;NoMargin,8,35,5.7,hard 10%,131,14.1,Volatile,22.6,3.61,4.3,144,-49,26,45,false,Rebalance,Shift +1% to bonds from equity,24,-34,BrokerC,MKT,87,None,None,Normal monitoring,83,-35,177,4,false,Increase defensive factor exposure
P1161,Active,IRA,USD,2024-10-11,2210842,188864,2021978,1.0,53.9,27.4,9.7,9.0,MSFT:33.3%;TLT:33.3%;MUB:33.3%,US:61.6;EU:14.3;APAC:6.4;EM:12.6;Other:5.2,Value:+0.3;Growth:-0.6;Quality:+0.9;Size:-0.5;Momentum:+0.8;LowVol:-0.1,NoDerivatives,5,25,4.3,trailing 8%,225,20.6,Bull,17.4,4.56,3.2,107,40,64,47,false,Buy,Add to core equity +1%,23,-12,BrokerB,MKT,88,None,None,Normal monitoring,15,-35,-6,3,false,Tighten stops on momentum names
P1162,Hands-off,IRA,USD,2025-11-12,281526,19177,262349,1.0,71.8,21.4,0.0,6.8,AMZN:28.9%;VOO:13.3%;BND:28.9%;HYG:28.9%,US:60.4;EU:16.4;APAC:13.8;EM:7.2;Other:2.3,Value:+0.5;Growth:-0.7;Quality:-0.9;Size:-0.2;Momentum:+0.6;LowVol:-0.5,NoDerivatives,10,35,4.4,trailing 8%,113,12.3,Bull,16.0,3.66,2.0,106,11,51,56,false,Rebalance,Shift +1% to bonds from equity,-15,-28,BrokerA,VWAP,98,None,None,Normal monitoring,-45,-51,-43,5,false,Tax-aware sells next window
P1163,Opportunistic,IRA,USD,2024-12-27,755949,26591,729358,1.2,74.5,10.4,10.0,5.1,QQQ:21.6%;AMZN:27.1%;TLT:27.1%;VOO:24.2%,US:70.9;EU:11.2;APAC:12.1;EM:4.6;Other:1.2,Value:+0.4;Growth:0.0;Quality:-0.3;Size:-0.4;Momentum:+0.7;LowVol:-0.6,NoDerivatives,6,25,5.6,hard 12%,176,21.6,Bear,28.5,4.23,1.6,168,19,74,76,true,Reduce,"Cut high-beta by 2-3%, add cash",0,-29,BrokerA,LMT,96,VAR>budget,Hedge,Risk above budget threshold,22,13,110,3,false,Monitor dispersion and breadth
P1164,Opportunistic,Roth,USD,2024-10-16,922065,30083,891982,1.0,74.2,15.6,5.9,4.2,XLF:12.3%;TLT:21.9%;AMZN:21.9%;VNQ:21.9%;IEF:21.9%,US:66.2;EU:13.7;APAC:11.7;EM:6.6;Other:1.8,Value:+0.6;Growth:+1.0;Quality:-0.0;Size:-0.2;Momentum:+0.5;LowVol:-0.2,,8,30,4.5,hard 12%,177,31.8,Bull,12.8,4.09,3.0,106,2,40,45,false,Buy,Add to core equity +1%,34,-13,BrokerA,LMT,85,None,None,Normal monitoring,59,-32,150,5,false,Tighten stops on momentum names
P1165,Cautious,Trust,USD,2025-07-20,353382,44071,309311,1.0,38.1,41.5,7.3,13.2,AMZN:33.3%;HYG:33.3%;QQQ:33.3%,US:63.1;EU:17.3;APAC:8.1;EM:10.4;Other:1.1,Value:-0.5;Growth:+0.3;Quality:-0.7;Size:+0.5;Momentum:-1.0;LowVol:-0.9,NoDerivatives;NoMargin,7,25,4.4,trailing 10%,130,12.5,Bear,23.1,3.37,2.3,142,-77,6,47,true,Rebalance,Rebalance back to target bands,26,-1,BrokerC,VWAP,89,VAR>budget,Hedge,Risk above budget threshold,54,-20,177,2,false,Tax-aware sells next window
P1166,Active,IRA,USD,2024-12-11,1413484,132431,1281053,1.0,59.2,26.7,4.8,9.3,GLD:20.4%;MSFT:17.9%;AMZN:13.8%;BRK.B:17.7%;QQQ:9.8%;BND:20.4%,US:72.8;EU:10.3;APAC:6.3;EM:7.5;Other:3.0,Value:+0.6;Growth:+0.5;Quality:-0.8;Size:-0.7;Momentum:+0.6;LowVol:+0.6,,5,25,5.8,hard 12%,130,20.5,Sideways,16.0,3.74,2.6,129,33,53,53,false,Hedge,Add TLT +1% as duration hedge,6,15,BrokerB,LMT,98,None,None,Normal monitoring,-1,-28,94,3,false,Within IPS guidelines
P1167,Cautious,Trust,USD,2024-10-27,651028,71973,579055,1.0,40.0,35.3,11.9,12.8,MUB:33.3%;VNQ:33.3%;AMZN:33.3%,US:65.8;EU:16.6;APAC:7.3;EM:6.7;Other:3.6,Value:+0.2;Growth:+0.6;Quality:-0.1;Size:-0.5;Momentum:+0.4;LowVol:-0.1,ESGOnly;MaxPos7%;NoDerivatives;NoMargin,7,25,3.3,trailing 8%,106,12.0,Bear,28.8,4.01,1.5,194,32,58,56,false,Buy,Add to core equity +1%,15,-4,BrokerA,LMT,90,None,None,Normal monitoring,-2,15,-21,5,false,Monitor dispersion and breadth
P1168,Hands-off,401k,USD,2024-11-07,258106,21551,236555,1.0,67.3,18.7,4.9,9.1,AAPL:27.5%;TLT:27.5%;BRK.B:17.6%;VTI:27.5%,US:69.6;EU:14.8;APAC:6.1;EM:8.9;Other:0.5,Value:-0.9;Growth:-0.2;Quality:+0.8;Size:+0.9;Momentum:-0.1;LowVol:+0.9,NoDerivatives,8,35,4.3,hard 10%,109,18.8,Bull,14.2,4.7,2.7,102,70,92,42,false,Sell,Trim extended winner -1%,31,-19,BrokerD,MKT,93,None,None,Normal monitoring,47,-47,9,4,false,Increase defensive factor exposure
P1169,Opportunistic,IRA,USD,2025-06-06,588556,28824,559732,1.0,60.3,19.2,14.5,6.0,AAPL:33.3%;MUB:33.3%;VOO:33.3%,US:70.3;EU:11.4;APAC:6.4;EM:10.5;Other:1.5,Value:+0.4;Growth:-1.0;Quality:-0.7;Size:-0.9;Momentum:+0.2;LowVol:+0.1,,10,25,4.1,trailing 7%,163,20.8,Volatile,20.3,4.74,2.5,156,77,88,59,false,Hedge,Add TLT +1% as duration hedge,-5,-32,BrokerB,MKT,93,None,None,Normal monitoring,57,-15,94,3,false,Within IPS guidelines
P1170,Active,IRA,USD,2025-06-21,1960457,136466,1823991,1.0,64.4,27.9,0.0,7.7,BND:14.2%;AMZN:10.2%;BRK.B:21.9%;GLD:21.9%;VOO:15.8%;XLF:15.9%,US:58.9;EU:18.9;APAC:10.0;EM:7.4;Other:4.8,Value:+0.3;Growth:-0.8;Quality:-0.9;Size:+0.9;Momentum:-1.0;LowVol:-0.7,MaxPos8%;NoDerivatives,7,35,4.6,hard 12%,122,17.3,Bear,33.4,3.65,1.9,172,22,49,94,true,Reduce,"Cut high-beta by 2-3%, add cash",-7,-39,BrokerD,MKT,95,Drift>tolerance,Hedge,Allocation drift beyond policy bands,97,-52,94,4,false,Monitor dispersion and breadth
P1171,Cautious,IRA,USD,2025-03-13,638510,69932,568578,1.0,51.4,32.2,1.5,14.9,AMZN:12.5%;HYG:19.3%;BND:23.3%;MSFT:23.3%;GLD:8.8%;XLF:13.0%,US:59.2;EU:18.1;APAC:8.6;EM:10.3;Other:3.8,Value:+0.4;Growth:-0.4;Quality:+0.8;Size:-0.4;Momentum:+0.5;LowVol:-0.4,ESGOnly;NoMargin,8,25,5.8,trailing 8%,138,18.2,Bull,12.5,3.63,3.0,120,79,90,40,false,Hedge,Add TLT +1% as duration hedge,27,-7,BrokerB,LMT,94,None,None,Normal monitoring,59,-41,53,5,false,Within IPS guidelines
P1172,Opportunistic,Trust,USD,2024-09-22,1002566,56752,945814,1.0,69.7,16.4,7.4,6.5,TLT:19.6%;IEF:11.3%;MSFT:8.6%;XLF:17.2%;BND:21.6%;VNQ:21.6%,US:70.8;EU:9.2;APAC:10.1;EM:8.3;Other:1.7,Value:-0.1;Growth:-0.8;Quality:+0.6;Size:+0.2;Momentum:-0.3;LowVol:-0.8,MaxPos8%;NoDerivatives,5,35,5.3,trailing 7%,191,29.7,Bull,16.9,3.54,2.4,72,31,79,49,false,Rebalance,Shift +1% to bonds from equity,31,-5,BrokerA,MKT,88,None,None,Normal monitoring,24,17,130,5,false,Within IPS guidelines
P1173,Active,Taxable,USD,2024-11-26,1154069,107070,1046999,1.0,62.5,28.5,0.0,9.0,TSLA:21.4%;IEF:21.4%;MSFT:13.6%;MUB:7.7%;XLF:18.5%;TLT:17.4%,US:66.3;EU:11.1;APAC:11.0;EM:8.6;Other:2.9,Value:-0.8;Growth:-0.9;Quality:+0.5;Size:-0.9;Momentum:-0.2;LowVol:+0.7,,6,25,4.2,hard 12%,175,27.2,Sideways,20.7,3.9,3.2,131,0,37,49,true,Hedge,Buy index puts 1% notional,-7,-10,BrokerD,LMT,93,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-33,15,70,3,false,Tax-aware sells next window
P1174,Opportunistic,Roth,USD,2024-10-20,917053,65925,851128,1.0,64.9,13.7,13.8,7.6,TSLA:15.8%;TLT:20.3%;QQQ:18.7%;BRK.B:16.8%;BND:12.9%;VNQ:15.5%,US:62.6;EU:17.8;APAC:9.8;EM:5.3;Other:4.6,Value:-0.5;Growth:+0.3;Quality:+0.6;Size:-0.2;Momentum:-0.1;LowVol:+0.1,MaxPos8%,5,35,6.2,trailing 9%,225,28.7,Bull,16.4,4.71,3.1,116,7,57,55,false,Rebalance,Shift +1% to bonds from equity,-11,13,BrokerB,MKT,86,None,None,Normal monitoring,43,-23,149,4,false,Tighten stops on momentum names
P1175,Opportunistic,Taxable,USD,2025-12-14,956510,30051,926459,1.0,75.5,13.2,4.1,7.1,XLF:21.3%;BRK.B:17.2%;TLT:18.0%;GLD:20.8%;VTI:10.1%;AMZN:12.7%,US:65.0;EU:8.3;APAC:12.3;EM:8.6;Other:5.7,Value:0.0;Growth:-0.5;Quality:-0.6;Size:-0.0;Momentum:+0.2;LowVol:-1.0,MaxPos7%,10,25,6.4,trailing 7%,226,31.8,Bull,14.0,4.14,2.7,119,105,93,55,false,Rebalance,Shift +1% to bonds from equity,-8,-13,BrokerD,LMT,90,None,None,Normal monitoring,17,-18,26,5,false,Monitor dispersion and breadth
P1176,Hands-off,401k,USD,2025-05-30,834955,73895,761060,1.0,67.7,25.4,0.0,6.9,IEF:25.4%;BRK.B:25.4%;GLD:25.4%;HYG:23.8%,US:59.8;EU:17.3;APAC:15.3;EM:5.4;Other:2.2,Value:-0.4;Growth:+0.6;Quality:-0.1;Size:-0.7;Momentum:+0.3;LowVol:-1.0,ESGOnly;MaxPos5%,8,35,5.5,hard 10%,101,12.8,Bull,16.9,4.21,2.3,93,69,90,63,false,Buy,Add to core equity +1%,-6,8,BrokerC,MKT,89,None,None,Normal monitoring,49,-8,103,5,false,Tighten stops on momentum names
P1177,Systematic,Taxable,USD,2025-02-05,1427220,116516,1310704,1.0,55.8,34.0,1.7,8.5,BND:33.3%;IEF:33.3%;VOO:33.3%,US:66.1;EU:7.6;APAC:8.9;EM:11.8;Other:5.6,Value:-0.9;Growth:-0.1;Quality:-0.1;Size:+0.2;Momentum:+0.7;LowVol:+0.5,,6,25,4.9,trailing 8%,137,18.0,Bear,30.7,4.27,2.0,184,-54,27,77,true,Hedge,Buy index puts 1% notional,-12,-4,BrokerA,LMT,95,VAR>budget,TightenStops,Risk above budget threshold,117,-38,122,2,true,Monitor dispersion and breadth
P1178,Active,401k,USD,2025-01-03,1217770,121252,1096518,1.0,66.1,27.0,0.5,6.4,VNQ:16.1%;AMZN:20.7%;XLF:13.2%;VTI:10.1%;VOO:19.2%;BND:20.7%,US:73.5;EU:6.6;APAC:11.4;EM:7.4;Other:1.1,Value:-0.0;Growth:+0.1;Quality:-0.9;Size:+0.9;Momentum:+0.9;LowVol:+0.2,MaxPos7%,6,25,4.2,hard 12%,185,19.0,Bear,26.6,3.99,2.5,146,-75,13,63,false,Buy,Add to core equity +1%,31,10,BrokerC,VWAP,87,None,None,Normal monitoring,50,16,61,4,false,Increase defensive factor exposure
P1179,Systematic,401k,USD,2025-06-01,1399088,99146,1299942,1.0,63.8,24.3,6.8,5.1,GLD:21.1%;HYG:19.7%;VTI:21.1%;AAPL:11.9%;BND:17.2%;MUB:9.1%,US:66.6;EU:14.4;APAC:9.1;EM:6.8;Other:3.1,Value:-0.6;Growth:-0.8;Quality:+0.1;Size:-0.9;Momentum:+0.9;LowVol:0.0,NoDerivatives,7,25,5.8,trailing 8%,150,26.6,Sideways,21.2,4.13,3.2,140,49,67,55,false,Hedge,Add TLT +1% as duration hedge,-15,-14,BrokerB,LMT,93,None,None,Normal monitoring,92,-18,153,4,false,Within IPS guidelines
P1180,Active,Trust,USD,2025-03-13,2392958,280509,2112449,1.0,58.5,21.2,11.8,8.5,BRK.B:22.4%;AMZN:22.4%;TSLA:10.7%;MUB:12.0%;VNQ:12.5%;GLD:20.1%,US:79.2;EU:5.8;APAC:5.9;EM:5.3;Other:3.7,Value:-0.2;Growth:+0.7;Quality:-0.2;Size:-0.1;Momentum:+0.4;LowVol:-0.9,,5,35,5.9,trailing 8%,186,27.5,Bull,14.3,4.51,2.6,71,76,88,44,false,Sell,Trim extended winner -1%,-4,-18,BrokerA,LMT,85,None,None,Normal monitoring,-58,0,24,4,false,Monitor dispersion and breadth
P1181,Active,Roth,USD,2024-12-16,1222441,101319,1121122,1.0,61.9,26.2,4.8,7.1,BRK.B:21.5%;TLT:15.9%;QQQ:10.0%;HYG:13.0%;VOO:18.1%;TSLA:21.5%,US:64.5;EU:12.8;APAC:14.3;EM:6.2;Other:2.1,Value:+0.1;Growth:+0.5;Quality:-0.2;Size:-0.3;Momentum:+0.8;LowVol:-0.4,MaxPos6%;NoDerivatives,8,30,5.6,trailing 9%,152,27.3,Bull,11.9,4.1,2.9,99,89,91,35,false,Sell,Trim extended winner -1%,26,-27,BrokerD,LMT,87,None,None,Normal monitoring,96,-37,233,3,false,Within IPS guidelines
P1182,Opportunistic,401k,USD,2024-11-29,1199188,104978,1094210,1.0,65.9,18.5,8.6,7.0,XLF:12.4%;HYG:12.5%;QQQ:22.3%;BND:22.3%;IEF:8.2%;GLD:22.3%,US:59.2;EU:18.7;APAC:11.1;EM:8.1;Other:2.9,Value:-0.1;Growth:-0.8;Quality:+0.3;Size:+0.9;Momentum:+0.5;LowVol:+0.2,,10,25,6.8,trailing 9%,168,27.1,Bull,15.3,3.67,3.5,76,85,96,42,false,Sell,Trim extended winner -1%,-8,-5,BrokerD,VWAP,89,None,None,Normal monitoring,117,-13,164,3,false,Increase defensive factor exposure
P1183,Systematic,Trust,USD,2024-12-07,756957,61650,695307,1.0,56.7,25.9,12.2,5.2,AAPL:33.3%;XLF:33.3%;MUB:33.3%,US:69.6;EU:9.4;APAC:9.2;EM:10.3;Other:1.5,Value:-0.6;Growth:+0.3;Quality:+0.5;Size:+0.6;Momentum:-0.4;LowVol:+0.9,MaxPos5%,7,35,4.3,trailing 8%,182,21.0,Volatile,25.4,5.01,3.7,125,-51,15,64,false,Rebalance,Shift +1% to bonds from equity,19,-1,BrokerD,MKT,96,None,None,Normal monitoring,84,17,114,3,false,Increase defensive factor exposure
P1184,Cautious,IRA,USD,2024-10-26,233316,27046,206270,1.0,46.8,42.6,0.0,10.6,MUB:33.3%;GLD:33.3%;BRK.B:33.3%,US:58.4;EU:9.0;APAC:16.7;EM:13.0;Other:2.9,Value:+0.8;Growth:-0.5;Quality:-0.6;Size:-0.6;Momentum:-0.1;LowVol:-0.4,ESGOnly;MaxPos6%;NoMargin,8,35,3.5,trailing 8%,134,17.8,Sideways,20.9,4.61,2.4,137,-7,59,59,false,Rebalance,Shift +1% to bonds from equity,29,-7,BrokerA,MKT,85,None,None,Normal monitoring,86,-32,146,5,false,Increase defensive factor exposure
P1185,Hands-off,Taxable,USD,2024-07-15,150588,14442,136146,1.0,62.3,27.8,0.9,9.0,QQQ:23.7%;GLD:38.2%;BRK.B:38.2%,US:67.5;EU:12.3;APAC:9.1;EM:7.1;Other:4.0,Value:+0.5;Growth:-0.2;Quality:+0.5;Size:-0.5;Momentum:+0.4;LowVol:-0.2,,10,25,5.2,hard 10%,101,16.9,Bull,16.6,4.56,3.0,102,6,52,40,false,Rebalance,Shift +1% to bonds from equity,-15,-23,BrokerB,VWAP,85,None,None,Normal monitoring,52,-14,90,5,false,Monitor dispersion and breadth
P1186,Hands-off,401k,USD,2025-09-20,523915,38494,485421,1.0,56.6,24.2,11.5,7.7,MSFT:27.2%;HYG:27.2%;VTI:18.4%;TLT:27.2%,US:74.4;EU:7.8;APAC:8.3;EM:5.1;Other:4.4,Value:-0.1;Growth:+0.7;Quality:+0.3;Size:+0.2;Momentum:-0.6;LowVol:-0.1,ESGOnly,6,25,4.1,trailing 8%,135,15.0,Bull,12.0,3.54,2.8,102,57,67,29,false,Buy,Add to core equity +1%,25,14,BrokerA,MKT,97,None,None,Normal monitoring,88,4,73,5,false,Tax-aware sells next window
P1187,Systematic,IRA,USD,2025-06-21,1351987,101536,1250451,1.0,59.4,30.7,2.6,7.3,QQQ:24.8%;BND:15.6%;AMZN:11.6%;MUB:23.1%;BRK.B:24.8%,US:59.8;EU:19.3;APAC:9.8;EM:9.1;Other:2.0,Value:-0.9;Growth:+0.6;Quality:-0.5;Size:-0.5;Momentum:-0.5;LowVol:+0.3,MaxPos8%;NoDerivatives,7,25,4.6,trailing 8%,221,22.7,Bull,13.5,4.12,2.3,79,39,74,51,false,Rebalance,Shift +1% to bonds from equity,-7,-39,BrokerC,MKT,94,None,None,Normal monitoring,32,-28,164,5,false,Increase defensive factor exposure
P1188,Hands-off,IRA,USD,2024-08-29,237900,21829,216071,1.0,61.6,25.2,4.1,9.2,BND:26.7%;AAPL:26.8%;IEF:26.8%;TLT:19.8%,US:64.8;EU:13.7;APAC:10.6;EM:9.7;Other:1.2,Value:-0.6;Growth:-0.2;Quality:+0.8;Size:-0.6;Momentum:-0.8;LowVol:+0.9,ESGOnly,10,30,5.8,hard 10%,157,17.6,Volatile,22.5,4.56,3.5,178,68,84,68,false,Buy,Add to core equity +1%,28,-6,BrokerB,MKT,98,None,None,Normal monitoring,-41,-34,70,5,false,Tighten stops on momentum names
P1189,Active,IRA,USD,2024-11-19,810205,75064,735141,1.0,51.1,30.3,11.2,7.4,IEF:12.3%;AAPL:24.4%;QQQ:24.4%;TSLA:24.4%;VOO:14.6%,US:64.8;EU:7.7;APAC:14.6;EM:7.8;Other:5.1,Value:+0.4;Growth:+0.9;Quality:-0.3;Size:-0.3;Momentum:-0.1;LowVol:+0.2,,5,30,5.6,trailing 9%,189,23.2,Volatile,23.6,4.7,4.5,149,56,78,59,false,Sell,Trim extended winner -1%,0,9,BrokerB,LMT,91,None,None,Normal monitoring,98,-49,175,4,false,Monitor dispersion and breadth
P1190,Opportunistic,IRA,USD,2025-09-20,531617,35146,496471,1.0,73.0,19.2,0.0,7.7,BND:22.8%;VTI:22.1%;BRK.B:21.6%;GLD:22.8%;AAPL:10.7%,US:72.2;EU:9.2;APAC:10.8;EM:5.0;Other:2.8,Value:-0.7;Growth:+0.9;Quality:+0.8;Size:-0.7;Momentum:+0.4;LowVol:+0.2,,10,30,6.6,hard 12%,161,20.7,Volatile,29.3,3.51,3.9,170,43,73,75,true,Hedge,Buy index puts 1% notional,-15,13,BrokerC,LMT,96,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,101,-38,144,3,false,Tighten stops on momentum names
P1191,Cautious,Taxable,USD,2025-07-02,549288,81163,468125,1.0,43.3,40.2,0.0,16.6,VTI:25.5%;GLD:25.5%;QQQ:11.1%;HYG:25.5%;XLF:12.3%,US:69.1;EU:8.5;APAC:12.6;EM:6.7;Other:3.1,Value:-0.1;Growth:-0.7;Quality:-0.2;Size:-0.6;Momentum:+0.6;LowVol:-0.7,MaxPos7%;NoMargin,5,25,5.9,trailing 8%,90,12.2,Bull,14.3,4.87,2.6,120,106,100,33,true,Hedge,Buy index puts 1% notional,9,14,BrokerC,MKT,85,VAR>budget,Hedge,Risk above budget threshold,105,-50,171,2,false,Tighten stops on momentum names
P1192,Hands-off,Roth,USD,2025-10-16,740108,70049,670059,1.0,67.2,20.7,5.5,6.6,VTI:29.3%;MSFT:26.5%;AAPL:15.0%;BND:29.3%,US:70.2;EU:11.7;APAC:11.8;EM:5.2;Other:1.1,Value:+0.5;Growth:-0.4;Quality:-1.0;Size:+0.3;Momentum:-0.9;LowVol:-0.4,,6,35,5.6,hard 10%,157,14.1,Volatile,26.5,5.01,3.9,171,12,44,63,false,Hedge,Add TLT +1% as duration hedge,30,-18,BrokerA,VWAP,87,None,None,Normal monitoring,-26,-40,-24,3,false,Tax-aware sells next window
P1193,Hands-off,401k,USD,2025-08-18,873823,79390,794433,1.0,63.9,20.6,9.3,6.2,XLF:9.6%;MSFT:22.6%;HYG:22.6%;AAPL:22.5%;VNQ:22.6%,US:56.5;EU:17.3;APAC:11.1;EM:10.8;Other:4.4,Value:-0.7;Growth:+0.5;Quality:-0.1;Size:+1.0;Momentum:+0.6;LowVol:-0.8,MaxPos7%,7,35,3.0,trailing 8%,134,18.8,Bear,25.5,3.09,2.1,182,-52,14,65,false,Rebalance,Shift +1% to bonds from equity,-13,-30,BrokerA,MKT,89,None,None,Normal monitoring,94,11,186,4,false,Increase defensive factor exposure
P1194,Systematic,Roth,USD,2025-11-09,1754368,139726,1614642,1.0,64.1,31.1,0.0,4.8,VNQ:23.1%;MUB:22.3%;TSLA:23.1%;AAPL:8.3%;IEF:23.1%,US:59.8;EU:17.4;APAC:17.1;EM:5.2;Other:0.6,Value:-0.8;Growth:+0.5;Quality:+0.2;Size:-0.4;Momentum:+0.5;LowVol:-0.6,,6,30,5.6,trailing 9%,128,19.2,Sideways,18.1,4.07,3.4,112,-9,36,47,false,Sell,Trim extended winner -1%,-8,-22,BrokerB,LMT,88,None,None,Normal monitoring,-8,-10,21,4,false,Monitor dispersion and breadth
P1195,Hands-off,Trust,USD,2024-10-30,153537,9071,144466,1.0,69.5,18.8,2.0,9.8,VOO:12.5%;XLF:19.9%;TSLA:17.8%;MSFT:18.5%;IEF:14.7%;AAPL:16.5%,US:65.8;EU:14.6;APAC:6.4;EM:10.1;Other:3.0,Value:+0.9;Growth:-0.8;Quality:+0.5;Size:+0.2;Momentum:+0.2;LowVol:+0.9,MaxPos8%,5,30,3.9,hard 10%,153,17.7,Bull,14.4,3.6,2.8,82,18,72,55,false,Buy,Add to core equity +1%,-14,7,BrokerD,LMT,86,None,None,Normal monitoring,-42,-55,91,3,false,Within IPS guidelines
P1196,Systematic,Taxable,USD,2025-04-05,1371806,115444,1256362,1.0,66.3,20.3,5.1,8.2,XLF:35.2%;BRK.B:29.5%;MSFT:35.2%,US:70.9;EU:10.5;APAC:8.9;EM:7.1;Other:2.6,Value:-0.2;Growth:+0.2;Quality:-0.4;Size:+0.4;Momentum:+0.1;LowVol:-0.1,,6,25,5.8,trailing 9%,228,22.1,Volatile,28.9,5.3,4.4,148,48,73,68,false,Sell,Trim extended winner -1%,0,-8,BrokerB,MKT,91,None,None,Normal monitoring,102,-13,174,5,false,Within IPS guidelines
P1197,Cautious,Taxable,USD,2025-11-23,480517,43444,437073,1.0,37.9,33.5,15.5,13.1,BRK.B:33.3%;IEF:33.3%;AAPL:33.3%,US:61.7;EU:16.5;APAC:13.6;EM:4.7;Other:3.4,Value:-0.6;Growth:+0.5;Quality:+0.4;Size:-0.1;Momentum:+0.5;LowVol:+0.1,ESGOnly;MaxPos6%;NoDerivatives;NoMargin,8,30,3.7,trailing 8%,98,19.8,Sideways,16.2,4.06,2.7,117,-25,51,28,false,Sell,Trim extended winner -1%,-12,-10,BrokerD,MKT,85,None,None,Normal monitoring,15,-48,-3,3,false,Tighten stops on momentum names
P1198,Hands-off,Taxable,USD,2025-03-01,738876,56695,682181,1.0,63.9,22.8,6.6,6.7,TLT:27.4%;VNQ:27.4%;BRK.B:17.8%;QQQ:27.4%,US:66.0;EU:18.4;APAC:7.6;EM:6.2;Other:1.8,Value:-0.2;Growth:-0.1;Quality:-0.3;Size:-0.0;Momentum:+0.7;LowVol:-0.3,ESGOnly;MaxPos6%;NoDerivatives,10,35,4.6,trailing 8%,123,13.7,Bear,23.8,3.11,1.0,211,39,59,69,false,Rebalance,Shift +1% to bonds from equity,-5,-3,BrokerD,LMT,88,None,None,Normal monitoring,-54,10,1,5,false,Tighten stops on momentum names
P1199,Hands-off,Trust,USD,2025-01-31,462123,28473,433650,1.0,73.0,18.6,0.0,8.5,VTI:33.3%;BRK.B:33.3%;GLD:33.3%,US:65.4;EU:10.9;APAC:14.8;EM:7.0;Other:1.9,Value:+0.7;Growth:+0.4;Quality:+0.2;Size:+0.6;Momentum:-0.1;LowVol:-0.4,ESGOnly;MaxPos8%;NoDerivatives,10,30,3.7,trailing 8%,148,13.2,Bull,15.2,3.66,3.0,111,84,79,60,false,Rebalance,Shift +1% to bonds from equity,4,5,BrokerA,MKT,94,None,None,Normal monitoring,63,-53,95,3,false,Increase defensive factor exposure
P1200,Active,Trust,USD,2025-03-16,1797197,173091,1624106,1.0,64.0,27.1,0.0,8.9,VNQ:28.0%;IEF:28.0%;VOO:28.0%;AAPL:16.0%,US:73.0;EU:5.9;APAC:12.8;EM:7.7;Other:0.6,Value:+0.2;Growth:-0.2;Quality:-0.6;Size:+0.9;Momentum:-0.5;LowVol:+0.9,NoDerivatives,6,30,5.8,trailing 9%,201,18.4,Volatile,30.4,4.76,3.4,143,39,57,77,true,Hedge,Buy index puts 1% notional,2,-5,BrokerD,MKT,90,Drift>tolerance,Reduce,Allocation drift beyond policy bands,110,11,205,3,false,Increase defensive factor exposure
P1201,Active,Taxable,USD,2025-01-28,1246992,133217,1113775,1.0,57.6,28.4,6.1,8.0,BND:27.5%;VOO:27.5%;XLF:18.8%;VTI:26.2%,US:62.4;EU:16.8;APAC:11.7;EM:7.3;Other:1.8,Value:-0.1;Growth:-0.8;Quality:+0.3;Size:+0.9;Momentum:-0.1;LowVol:+0.9,NoDerivatives,5,25,4.0,trailing 9%,202,20.4,Volatile,26.9,4.07,3.8,174,76,91,72,true,Rebalance,Rebalance back to target bands,29,-39,BrokerA,VWAP,94,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,107,-11,224,4,false,Increase defensive factor exposure
P1202,Hands-off,Trust,USD,2025-11-25,187380,18236,169144,1.0,62.9,17.8,12.9,6.5,HYG:28.8%;BND:28.8%;QQQ:28.8%;GLD:13.5%,US:60.3;EU:20.1;APAC:5.5;EM:12.6;Other:1.5,Value:0.0;Growth:+0.3;Quality:-0.0;Size:+1.0;Momentum:+0.3;LowVol:+0.9,,10,30,5.8,hard 10%,135,16.5,Bull,12.2,4.53,2.6,91,60,73,41,false,Rebalance,Shift +1% to bonds from equity,0,10,BrokerC,LMT,100,None,None,Normal monitoring,116,-30,166,4,false,Tax-aware sells next window
P1203,Active,Taxable,USD,2024-07-16,673995,43405,630590,1.0,62.2,29.3,0.0,8.5,IEF:17.7%;VNQ:15.1%;TSLA:16.2%;TLT:18.9%;BRK.B:16.6%;AAPL:15.5%,US:65.7;EU:8.4;APAC:9.9;EM:11.5;Other:4.6,Value:+0.8;Growth:-0.5;Quality:-1.0;Size:+0.9;Momentum:-0.4;LowVol:+0.1,NoDerivatives,5,30,4.1,trailing 8%,195,19.1,Volatile,28.4,4.19,2.9,137,12,69,80,true,Hedge,Buy index puts 1% notional,-10,-37,BrokerD,LMT,92,VAR>budget,Hedge,Risk above budget threshold,49,-8,70,3,false,Tighten stops on momentum names
P1204,Active,Taxable,USD,2025-08-21,1469042,100114,1368928,1.0,64.8,19.3,9.7,6.3,GLD:21.0%;VNQ:13.4%;QQQ:17.5%;VTI:15.0%;MSFT:11.9%;IEF:21.3%,US:70.8;EU:10.4;APAC:12.4;EM:5.3;Other:1.1,Value:0.0;Growth:+0.8;Quality:-0.0;Size:-0.5;Momentum:+0.2;LowVol:-0.9,MaxPos8%;NoDerivatives,5,25,4.4,trailing 8%,124,21.0,Sideways,14.1,4.24,2.2,138,45,87,51,false,Rebalance,Shift +1% to bonds from equity,3,-33,BrokerB,MKT,95,None,None,Normal monitoring,73,-54,81,3,false,Monitor dispersion and breadth
P1205,Cautious,Taxable,USD,2024-09-16,383525,53177,330348,1.0,46.7,40.0,0.0,13.4,TSLA:23.5%;MUB:23.5%;XLF:18.6%;BND:23.5%;TLT:11.0%,US:69.5;EU:12.2;APAC:5.6;EM:10.0;Other:2.7,Value:+0.8;Growth:-0.5;Quality:+0.2;Size:+0.1;Momentum:-0.4;LowVol:+0.2,MaxPos6%;NoMargin,6,25,6.0,trailing 8%,137,17.2,Sideways,17.8,4.67,2.2,131,35,72,51,false,Rebalance,Shift +1% to bonds from equity,20,-10,BrokerD,LMT,97,None,None,Normal monitoring,48,-45,63,5,false,Tax-aware sells next window
P1206,Systematic,401k,USD,2025-11-15,611798,47299,564499,1.0,60.5,30.3,0.0,9.2,VTI:25.0%;TLT:25.0%;AAPL:24.9%;VNQ:25.0%,US:63.6;EU:13.5;APAC:8.3;EM:10.0;Other:4.6,Value:+0.1;Growth:+0.8;Quality:-0.2;Size:+0.2;Momentum:-0.2;LowVol:-0.0,MaxPos7%;NoDerivatives,5,35,5.5,trailing 8%,179,18.6,Bull,13.7,4.69,2.9,106,67,93,40,false,Buy,Add to core equity +1%,24,9,BrokerB,MKT,85,None,None,Normal monitoring,74,-58,35,5,false,Tighten stops on momentum names
P1207,Opportunistic,Taxable,USD,2024-11-16,1154724,55417,1099307,1.0,77.5,10.7,7.2,4.6,TLT:33.3%;VTI:33.3%;HYG:33.3%,US:60.8;EU:13.2;APAC:14.5;EM:10.1;Other:1.4,Value:-0.2;Growth:+0.5;Quality:+0.3;Size:-0.9;Momentum:+0.4;LowVol:+0.3,MaxPos8%;NoDerivatives,8,25,4.4,hard 12%,177,21.3,Bull,13.8,4.56,3.4,80,35,55,59,false,Rebalance,Shift +1% to bonds from equity,15,6,BrokerD,MKT,90,None,None,Normal monitoring,37,-9,26,3,false,Tighten stops on momentum names
P1208,Systematic,Roth,USD,2025-06-26,1679858,93767,1586091,1.0,63.5,30.8,0.0,5.7,VOO:17.9%;AMZN:7.6%;HYG:22.6%;BRK.B:22.6%;QQQ:21.7%;MUB:7.6%,US:67.5;EU:13.8;APAC:8.7;EM:7.6;Other:2.4,Value:+0.7;Growth:+0.2;Quality:+0.5;Size:+0.7;Momentum:+0.3;LowVol:-1.0,,10,25,5.5,trailing 9%,223,27.4,Volatile,30.1,4.14,3.7,178,-16,42,82,true,Reduce,"Cut high-beta by 2-3%, add cash",-6,15,BrokerB,LMT,86,Drift>tolerance,Hedge,Allocation drift beyond policy bands,24,-4,29,5,false,Within IPS guidelines
P1209,Cautious,IRA,USD,2025-04-30,531943,49041,482902,1.0,37.8,40.5,8.9,12.8,BND:19.8%;QQQ:15.2%;VNQ:18.1%;VOO:11.6%;HYG:15.7%;TLT:19.6%,US:72.6;EU:7.8;APAC:10.3;EM:5.8;Other:3.5,Value:+0.1;Growth:+0.7;Quality:+0.6;Size:-0.9;Momentum:+0.4;LowVol:-0.4,MaxPos5%;NoDerivatives;NoMargin,10,25,3.0,trailing 10%,140,13.1,Volatile,20.3,4.21,4.0,164,-48,38,36,false,Rebalance,Shift +1% to bonds from equity,21,0,BrokerA,LMT,87,None,None,Normal monitoring,56,-54,106,5,false,Tax-aware sells next window
P1210,Active,IRA,USD,2025-11-26,2264696,175314,2089382,1.0,64.7,27.6,0.0,7.7,VTI:21.6%;GLD:19.9%;IEF:21.6%;QQQ:21.6%;TLT:15.2%,US:72.8;EU:9.3;APAC:7.4;EM:6.4;Other:4.2,Value:+0.7;Growth:-0.7;Quality:-0.4;Size:-0.4;Momentum:+1.0;LowVol:+0.3,,7,25,5.2,trailing 8%,122,25.0,Volatile,23.0,4.27,2.4,174,35,62,54,false,Rebalance,Shift +1% to bonds from equity,21,-36,BrokerD,MKT,100,None,None,Normal monitoring,77,-40,181,5,false,Monitor dispersion and breadth
P1211,Systematic,401k,USD,2025-07-04,961412,64739,896673,1.0,58.2,28.5,5.0,8.2,IEF:17.2%;BRK.B:19.4%;HYG:16.7%;GLD:23.3%;BND:23.3%,US:67.0;EU:14.8;APAC:5.7;EM:11.2;Other:1.3,Value:-0.0;Growth:-0.2;Quality:+0.8;Size:+0.7;Momentum:+0.5;LowVol:+0.3,NoDerivatives,5,25,6.0,trailing 8%,122,27.9,Bear,31.1,3.9,2.4,187,22,71,73,true,Reduce,"Cut high-beta by 2-3%, add cash",-3,4,BrokerA,LMT,88,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-3,-11,-35,3,false,Increase defensive factor exposure
P1212,Hands-off,401k,USD,2025-07-27,351647,29242,322405,1.0,63.0,22.7,7.1,7.3,AAPL:21.4%;GLD:21.4%;QQQ:12.0%;BRK.B:7.8%;MSFT:16.1%;VTI:21.4%,US:71.5;EU:5.6;APAC:13.4;EM:8.8;Other:0.7,Value:-0.0;Growth:+0.3;Quality:-0.7;Size:+0.1;Momentum:-0.6;LowVol:0.0,ESGOnly;MaxPos6%,7,25,3.7,trailing 10%,123,15.8,Bull,15.7,4.76,3.4,96,81,75,42,false,Rebalance,Shift +1% to bonds from equity,-12,-19,BrokerB,LMT,88,None,None,Normal monitoring,39,-40,33,4,false,Tax-aware sells next window
P1213,Cautious,Trust,USD,2024-08-09,558058,75941,482117,1.0,47.1,42.0,0.0,10.9,TLT:33.3%;AAPL:33.3%;XLF:33.3%,US:71.5;EU:7.4;APAC:13.1;EM:5.6;Other:2.4,Value:0.0;Growth:-0.9;Quality:0.0;Size:+0.8;Momentum:-1.0;LowVol:+0.5,NoMargin,8,25,3.1,hard 10%,103,17.6,Bull,13.7,4.56,2.3,70,19,72,34,false,Hedge,Add TLT +1% as duration hedge,16,6,BrokerA,MKT,93,None,None,Normal monitoring,89,-58,98,4,false,Tighten stops on momentum names
P1214,Active,IRA,USD,2024-11-09,1621233,172033,1449200,1.0,59.8,21.1,11.8,7.3,TLT:25.5%;VOO:23.5%;GLD:25.5%;VTI:25.5%,US:70.2;EU:14.0;APAC:5.9;EM:6.9;Other:3.0,Value:+1.0;Growth:-0.2;Quality:+0.8;Size:-0.5;Momentum:-0.2;LowVol:+0.4,MaxPos8%,6,25,4.0,trailing 8%,124,17.3,Volatile,21.2,5.24,4.0,179,73,78,55,false,Buy,Add to core equity +1%,-5,-3,BrokerB,LMT,98,None,None,Normal monitoring,44,-18,108,3,false,Increase defensive factor exposure
P1215,Opportunistic,Taxable,USD,2025-03-13,1418738,48741,1369997,1.0,70.5,16.6,6.0,6.8,TSLA:23.4%;BND:10.9%;TLT:14.1%;MSFT:18.1%;IEF:10.2%;VNQ:23.4%,US:65.3;EU:16.5;APAC:8.4;EM:6.3;Other:3.4,Value:-0.4;Growth:+0.5;Quality:-0.0;Size:+0.1;Momentum:+0.4;LowVol:+1.0,,6,30,7.0,trailing 9%,220,27.6,Volatile,25.4,3.58,2.1,142,71,92,69,false,Buy,Add to core equity +1%,5,-20,BrokerB,LMT,88,None,None,Normal monitoring,-35,13,-53,3,false,Tighten stops on momentum names
P1216,Cautious,401k,USD,2024-08-12,676839,83325,593514,1.0,39.9,32.9,9.7,17.5,QQQ:27.0%;HYG:19.0%;GLD:27.0%;AMZN:27.0%,US:73.9;EU:10.3;APAC:8.6;EM:5.8;Other:1.3,Value:+0.4;Growth:-0.9;Quality:-1.0;Size:+0.1;Momentum:0.0;LowVol:+0.8,ESGOnly;MaxPos7%;NoMargin,10,35,5.2,trailing 8%,91,18.6,Bull,16.5,4.64,2.1,89,41,62,30,false,Rebalance,Shift +1% to bonds from equity,12,-37,BrokerB,MKT,90,None,None,Normal monitoring,-5,-10,113,4,false,Monitor dispersion and breadth
P1217,Active,401k,USD,2025-07-17,1769182,140910,1628272,1.24,59.5,21.5,12.5,6.4,IEF:13.4%;MSFT:19.2%;MUB:22.5%;XLF:22.5%;BRK.B:22.5%,US:58.4;EU:13.9;APAC:14.3;EM:9.0;Other:4.3,Value:-0.2;Growth:-0.3;Quality:-0.6;Size:-0.5;Momentum:-0.1;LowVol:0.0,,7,25,5.3,hard 12%,163,18.7,Bull,16.1,4.44,3.4,73,75,75,56,false,Buy,Add to core equity +1%,22,-5,BrokerB,VWAP,95,None,None,Normal monitoring,-60,-37,-17,4,false,Within IPS guidelines
P1218,Systematic,Roth,USD,2024-09-25,1654552,135096,1519456,1.0,62.6,29.9,0.0,7.5,MSFT:10.1%;BRK.B:19.9%;TSLA:14.9%;XLF:18.4%;GLD:20.5%;IEF:16.2%,US:70.4;EU:14.6;APAC:6.5;EM:6.6;Other:1.9,Value:+0.1;Growth:-0.0;Quality:-0.7;Size:-0.4;Momentum:-0.1;LowVol:0.0,,7,35,5.7,hard 12%,147,19.3,Volatile,20.7,5.25,2.8,156,-59,9,64,false,Rebalance,Shift +1% to bonds from equity,17,-28,BrokerB,MKT,93,None,None,Normal monitoring,54,-32,187,5,false,Within IPS guidelines
P1219,Hands-off,Taxable,USD,2024-10-21,399651,21390,378261,1.0,66.6,26.2,0.0,7.2,TSLA:27.4%;VOO:17.8%;AAPL:27.4%;BND:27.4%,US:63.4;EU:13.7;APAC:12.6;EM:6.2;Other:4.2,Value:-0.3;Growth:+0.4;Quality:-0.8;Size:+0.3;Momentum:-0.6;LowVol:-0.5,ESGOnly,7,30,5.6,trailing 8%,132,14.3,Volatile,26.0,4.01,2.8,114,6,43,66,false,Rebalance,Shift +1% to bonds from equity,17,-14,BrokerA,LMT,90,None,None,Normal monitoring,-19,-1,8,5,false,Tax-aware sells next window
P1220,Systematic,Trust,USD,2025-10-22,1401061,117946,1283115,1.0,67.4,22.5,2.5,7.6,VOO:9.7%;AMZN:21.5%;QQQ:17.6%;TSLA:17.2%;BND:12.5%;AAPL:21.5%,US:59.0;EU:11.5;APAC:14.9;EM:11.9;Other:2.7,Value:-0.4;Growth:+0.1;Quality:+0.2;Size:-0.3;Momentum:-0.7;LowVol:-0.5,MaxPos8%;NoDerivatives,7,35,4.4,trailing 9%,182,21.1,Volatile,31.4,4.8,2.7,123,80,97,91,true,Hedge,Buy index puts 1% notional,14,-6,BrokerB,LMT,94,VAR>budget,Pause,Risk above budget threshold,76,-8,214,2,false,Increase defensive factor exposure
P1221,Hands-off,Trust,USD,2025-12-06,741444,72880,668564,1.0,68.6,19.6,3.7,8.2,MUB:9.8%;TLT:23.0%;VOO:12.4%;AMZN:23.0%;VNQ:13.8%;VTI:18.0%,US:72.7;EU:10.6;APAC:11.3;EM:4.6;Other:0.8,Value:0.0;Growth:+0.9;Quality:+0.3;Size:-0.2;Momentum:+0.7;LowVol:-0.6,ESGOnly;NoDerivatives,7,35,6.0,trailing 8%,161,17.3,Volatile,27.4,5.21,3.5,143,26,70,79,true,Hedge,Buy index puts 1% notional,1,-23,BrokerD,VWAP,98,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-31,-25,-44,5,false,Tax-aware sells next window
P1222,Active,IRA,USD,2024-11-22,2416775,176941,2239834,1.0,57.6,20.3,12.9,9.2,TSLA:18.3%;TLT:13.4%;XLF:20.8%;AMZN:18.6%;GLD:9.7%;VOO:19.3%,US:67.9;EU:16.1;APAC:8.8;EM:4.9;Other:2.3,Value:+0.1;Growth:+0.8;Quality:+0.4;Size:-0.9;Momentum:+0.1;LowVol:+0.1,MaxPos7%;NoDerivatives,5,25,4.3,trailing 8%,214,17.7,Volatile,30.1,4.6,2.6,144,41,84,69,true,Hedge,Buy index puts 1% notional,-3,-34,BrokerC,MKT,87,VAR>budget,Hedge,Risk above budget threshold,108,-39,240,5,false,Tighten stops on momentum names
P1223,Cautious,Taxable,USD,2024-08-17,164563,16928,147635,1.0,40.7,38.5,4.1,16.7,MSFT:23.7%;VOO:25.4%;XLF:25.4%;VNQ:25.4%,US:71.7;EU:9.9;APAC:8.8;EM:4.9;Other:4.6,Value:+0.5;Growth:-0.5;Quality:-0.3;Size:+0.3;Momentum:-0.3;LowVol:+0.5,ESGOnly;NoMargin,6,35,5.7,trailing 8%,118,16.6,Sideways,14.2,3.77,2.8,128,-2,44,25,false,Buy,Add to core equity +1%,12,-24,BrokerC,MKT,100,None,None,Normal monitoring,-27,18,100,4,false,Tax-aware sells next window
P1224,Systematic,Taxable,USD,2025-09-21,1480191,110452,1369739,1.0,69.8,20.1,3.1,6.9,IEF:18.4%;HYG:26.5%;TLT:14.6%;MSFT:14.0%;TSLA:26.5%,US:71.6;EU:12.4;APAC:7.8;EM:5.1;Other:3.1,Value:-0.5;Growth:+0.2;Quality:+0.1;Size:-0.2;Momentum:-0.1;LowVol:-0.8,,8,30,5.1,trailing 9%,203,27.3,Bull,14.0,4.84,2.4,95,31,76,57,false,Rebalance,Shift +1% to bonds from equity,6,14,BrokerD,VWAP,92,None,None,Normal monitoring,-15,-8,40,4,false,Within IPS guidelines
P1225,Hands-off,Trust,USD,2024-11-13,151665,8064,143601,1.0,65.1,28.0,0.0,6.9,XLF:22.4%;TLT:23.2%;TSLA:23.2%;HYG:23.2%;MSFT:7.8%,US:64.2;EU:14.4;APAC:11.6;EM:7.2;Other:2.6,Value:+0.4;Growth:+0.3;Quality:+0.9;Size:-0.1;Momentum:-0.6;LowVol:-0.5,MaxPos6%,5,25,3.1,trailing 8%,167,13.2,Bear,23.3,3.28,2.2,207,36,76,59,false,Hedge,Add TLT +1% as duration hedge,-7,-7,BrokerB,MKT,99,None,None,Normal monitoring,-51,-11,-50,4,false,Tighten stops on momentum names
P1226,Hands-off,401k,USD,2025-01-24,662335,54993,607342,1.0,57.2,25.1,10.3,7.4,QQQ:25.7%;MUB:25.7%;VNQ:25.7%;GLD:22.8%,US:62.1;EU:6.5;APAC:15.9;EM:10.1;Other:5.4,Value:+0.9;Growth:+0.1;Quality:+0.6;Size:-0.2;Momentum:+0.7;LowVol:-0.3,,7,25,3.6,hard 10%,146,14.5,Bull,16.6,3.74,3.0,119,40,82,50,false,Rebalance,Shift +1% to bonds from equity,21,-28,BrokerA,VWAP,95,None,None,Normal monitoring,99,-53,172,4,false,Within IPS guidelines
P1227,Active,401k,USD,2025-05-29,1993897,133921,1859976,1.0,64.8,28.4,0.0,6.8,VNQ:19.0%;TLT:28.1%;BRK.B:28.1%;VOO:24.8%,US:66.0;EU:6.7;APAC:16.5;EM:7.8;Other:3.0,Value:-0.6;Growth:-0.4;Quality:-0.2;Size:+0.4;Momentum:-1.0;LowVol:-0.9,,7,30,4.9,hard 12%,224,21.7,Bull,11.1,4.12,3.2,83,59,82,37,false,Buy,Add to core equity +1%,9,-40,BrokerC,LMT,98,None,None,Normal monitoring,93,20,134,3,false,Tax-aware sells next window
P1228,Hands-off,IRA,USD,2025-02-09,698141,44998,653143,1.0,71.2,20.3,0.0,8.4,VOO:22.4%;QQQ:11.1%;HYG:22.4%;VTI:22.4%;GLD:21.8%,US:68.2;EU:8.6;APAC:10.0;EM:9.7;Other:3.5,Value:+0.8;Growth:-0.6;Quality:-0.4;Size:+0.8;Momentum:-0.7;LowVol:-0.4,,7,35,4.8,trailing 8%,160,13.5,Sideways,21.7,4.1,3.1,114,25,58,56,false,Rebalance,Shift +1% to bonds from equity,13,13,BrokerD,LMT,91,None,None,Normal monitoring,89,-55,80,4,false,Within IPS guidelines
P1229,Opportunistic,IRA,USD,2025-03-08,1031895,32641,999254,1.08,68.3,13.5,9.9,8.3,AMZN:33.3%;AAPL:33.3%;MUB:33.3%,US:62.3;EU:20.5;APAC:10.5;EM:4.2;Other:2.5,Value:+0.5;Growth:-0.1;Quality:-0.9;Size:-0.6;Momentum:+0.2;LowVol:-0.5,,8,25,4.5,trailing 7%,170,29.4,Bear,29.6,3.84,2.1,170,-83,5,75,true,Reduce,"Cut high-beta by 2-3%, add cash",8,14,BrokerD,MKT,96,VAR>budget,TightenStops,Risk above budget threshold,25,-27,84,5,false,Increase defensive factor exposure
P1230,Active,Taxable,USD,2025-10-28,1755888,153328,1602560,1.0,62.1,19.5,12.0,6.4,IEF:22.8%;BND:22.8%;AAPL:11.5%;MUB:12.3%;VNQ:22.8%;TSLA:7.9%,US:67.1;EU:14.9;APAC:8.4;EM:6.0;Other:3.6,Value:+0.8;Growth:-0.1;Quality:+0.8;Size:-0.4;Momentum:+0.5;LowVol:+0.5,MaxPos5%;NoDerivatives,8,35,5.8,trailing 8%,125,21.6,Sideways,17.0,4.62,2.9,126,-26,30,45,false,Hedge,Add TLT +1% as duration hedge,10,-12,BrokerD,VWAP,98,None,None,Normal monitoring,-58,-49,72,5,false,Monitor dispersion and breadth
P1231,Cautious,IRA,USD,2025-11-20,674068,66028,608040,1.0,41.0,42.2,6.0,10.7,VNQ:9.2%;GLD:9.1%;QQQ:22.5%;AMZN:14.0%;TSLA:22.5%;BRK.B:22.5%,US:68.5;EU:6.3;APAC:14.1;EM:7.4;Other:3.8,Value:+0.9;Growth:+0.1;Quality:-0.8;Size:+0.3;Momentum:+0.8;LowVol:-0.3,NoDerivatives;NoMargin,10,30,5.9,trailing 10%,157,16.9,Volatile,25.7,5.41,3.2,115,-25,51,58,false,Buy,Add to core equity +1%,-6,-6,BrokerB,VWAP,97,None,None,Normal monitoring,120,-43,182,4,false,Tax-aware sells next window
P1232,Hands-off,Taxable,USD,2025-03-01,444505,31473,413032,1.0,59.6,25.1,7.2,8.2,VTI:21.2%;TSLA:23.3%;BRK.B:17.8%;HYG:14.3%;QQQ:23.3%,US:71.2;EU:13.0;APAC:9.6;EM:5.4;Other:0.8,Value:0.0;Growth:+0.3;Quality:+0.1;Size:+0.3;Momentum:-0.8;LowVol:+0.7,,7,35,5.0,trailing 8%,92,18.8,Volatile,21.6,4.25,2.9,177,66,90,61,false,Buy,Add to core equity +1%,-8,-32,BrokerD,VWAP,96,None,None,Normal monitoring,-15,-17,-23,4,false,Monitor dispersion and breadth
P1233,Hands-off,Trust,USD,2025-04-19,765687,71482,694205,1.0,65.5,18.3,7.4,8.9,GLD:21.0%;TLT:9.5%;AAPL:7.8%;VTI:19.8%;MSFT:21.0%;XLF:21.0%,US:65.3;EU:17.7;APAC:5.3;EM:10.3;Other:1.4,Value:+0.1;Growth:+0.7;Quality:+0.3;Size:-0.3;Momentum:-0.2;LowVol:-0.8,ESGOnly;NoDerivatives,5,30,3.5,trailing 8%,116,13.5,Volatile,32.0,4.04,2.1,178,76,80,90,true,Reduce,"Cut high-beta by 2-3%, add cash",-8,-17,BrokerB,LMT,95,Drift>tolerance,Hedge,Allocation drift beyond policy bands,102,-15,234,2,false,Tax-aware sells next window
P1234,Cautious,Trust,USD,2024-09-11,403377,32837,370540,1.0,47.9,31.6,3.3,17.2,AMZN:19.3%;TLT:10.7%;MUB:10.6%;VOO:21.4%;VNQ:20.8%;MSFT:17.2%,US:77.1;EU:6.9;APAC:6.1;EM:6.1;Other:3.7,Value:+0.7;Growth:+0.8;Quality:+0.2;Size:-0.9;Momentum:+0.5;LowVol:+0.4,ESGOnly;NoMargin,5,25,4.4,trailing 8%,161,16.2,Volatile,26.9,4.82,3.6,166,73,90,61,false,Buy,Add to core equity +1%,30,-12,BrokerA,LMT,88,None,None,Normal monitoring,6,9,100,5,false,Within IPS guidelines
P1235,Opportunistic,Trust,USD,2025-09-15,603119,36145,566974,1.0,69.0,18.1,8.5,4.4,TLT:17.5%;TSLA:10.9%;AMZN:23.9%;AAPL:23.9%;IEF:23.9%,US:66.4;EU:7.2;APAC:12.7;EM:10.1;Other:3.7,Value:-0.3;Growth:-0.9;Quality:+0.1;Size:-0.4;Momentum:+0.9;LowVol:-0.8,,6,35,5.4,trailing 7%,184,27.0,Bear,30.7,3.67,2.1,194,32,76,78,true,Rebalance,Rebalance back to target bands,-4,12,BrokerC,LMT,100,Drift>tolerance,Reduce,Allocation drift beyond policy bands,75,-2,58,2,false,Tighten stops on momentum names
P1236,Cautious,Roth,USD,2025-03-02,249421,38192,211229,1.0,44.2,39.2,1.7,14.9,BRK.B:24.4%;VOO:17.4%;VTI:24.4%;VNQ:18.1%;AAPL:15.7%,US:68.0;EU:16.8;APAC:6.2;EM:5.3;Other:3.7,Value:-0.8;Growth:-0.3;Quality:-0.2;Size:-0.0;Momentum:+0.7;LowVol:+0.3,ESGOnly;NoMargin,7,25,5.2,trailing 8%,93,16.9,Sideways,19.5,4.79,3.3,96,0,39,46,false,Rebalance,Shift +1% to bonds from equity,-4,2,BrokerB,LMT,86,None,None,Normal monitoring,40,0,179,3,false,Tax-aware sells next window
P1237,Active,Trust,USD,2025-04-04,2237467,138445,2099022,1.0,53.7,27.8,12.0,6.5,IEF:27.9%;MUB:24.4%;TSLA:20.3%;MSFT:27.3%,US:67.5;EU:18.0;APAC:8.4;EM:4.0;Other:2.0,Value:+0.8;Growth:+0.9;Quality:+0.9;Size:+0.4;Momentum:-0.5;LowVol:-0.8,NoDerivatives,5,30,4.5,trailing 8%,144,21.5,Bull,16.0,4.7,2.7,116,10,61,43,false,Rebalance,Shift +1% to bonds from equity,9,-32,BrokerC,MKT,89,None,None,Normal monitoring,6,-54,112,3,false,Within IPS guidelines
P1238,Hands-off,Roth,USD,2024-11-02,205885,12011,193874,1.0,56.0,24.1,12.6,7.3,VNQ:11.5%;TLT:18.4%;MUB:13.3%;AAPL:20.4%;AMZN:15.9%;MSFT:20.4%,US:59.0;EU:18.2;APAC:11.9;EM:8.8;Other:2.1,Value:+0.5;Growth:-0.0;Quality:-0.9;Size:+1.0;Momentum:+0.7;LowVol:-0.9,ESGOnly,6,25,3.8,trailing 8%,166,17.5,Bull,12.1,3.61,3.4,87,37,74,45,false,Sell,Trim extended winner -1%,5,-19,BrokerA,VWAP,88,None,None,Normal monitoring,97,11,78,3,false,Increase defensive factor exposure
P1239,Active,Trust,USD,2024-09-25,1689450,125780,1563670,1.0,58.6,31.0,2.4,8.0,BND:28.6%;TLT:14.1%;AMZN:28.6%;IEF:28.6%,US:64.2;EU:12.6;APAC:8.1;EM:10.1;Other:5.0,Value:-0.4;Growth:+1.0;Quality:-0.1;Size:-0.9;Momentum:+0.8;LowVol:+0.9,MaxPos6%,8,35,5.3,trailing 8%,135,27.6,Sideways,20.3,3.79,3.1,132,19,57,64,false,NoAction,Within bands; monitor,-1,-37,BrokerA,MKT,0,None,None,Normal monitoring,120,-3,111,4,false,Monitor dispersion and breadth
P1240,Hands-off,Roth,USD,2024-09-13,545347,32181,513166,1.0,56.9,16.7,19.0,7.4,AMZN:23.6%;XLF:9.2%;MSFT:10.9%;MUB:23.6%;BND:17.6%;AAPL:15.1%,US:61.3;EU:15.6;APAC:13.9;EM:8.6;Other:0.7,Value:-0.5;Growth:+0.2;Quality:-0.8;Size:-0.2;Momentum:-0.2;LowVol:-0.4,MaxPos7%,7,35,5.0,trailing 8%,128,18.9,Bear,30.5,3.73,2.3,191,-65,13,84,true,Hedge,Buy index puts 1% notional,-14,11,BrokerC,LMT,99,VAR>budget,Reduce,Risk above budget threshold,56,2,123,4,false,Within IPS guidelines
P1241,Active,401k,USD,2024-11-17,1056043,102346,953697,1.2,59.4,29.2,3.9,7.5,VOO:29.4%;XLF:35.3%;TLT:35.3%,US:70.3;EU:10.0;APAC:8.7;EM:8.2;Other:2.9,Value:-0.6;Growth:-0.7;Quality:+0.7;Size:+1.0;Momentum:-0.7;LowVol:-1.0,NoDerivatives,10,30,5.4,trailing 8%,157,22.0,Bear,27.2,3.19,1.7,133,-37,21,64,false,Rebalance,Shift +1% to bonds from equity,4,-14,BrokerD,MKT,94,None,None,Normal monitoring,103,-52,70,5,false,Within IPS guidelines
P1242,Active,Taxable,USD,2025-05-20,810464,54676,755788,1.0,53.5,28.4,12.5,5.6,XLF:24.5%;TSLA:24.5%;BND:16.7%;QQQ:12.3%;HYG:21.9%,US:68.9;EU:10.9;APAC:5.7;EM:13.0;Other:1.6,Value:-0.8;Growth:+0.1;Quality:-0.1;Size:+0.8;Momentum:-0.7;LowVol:+0.3,MaxPos7%,10,25,5.9,hard 12%,229,26.0,Sideways,17.8,3.76,3.1,130,-28,27,50,false,Rebalance,Shift +1% to bonds from equity,6,-40,BrokerB,MKT,90,None,None,Normal monitoring,84,13,124,3,false,Tax-aware sells next window
P1243,Cautious,Roth,USD,2025-11-14,161909,22704,139205,1.0,40.9,33.0,9.4,16.7,QQQ:25.1%;AAPL:25.1%;TSLA:25.1%;TLT:24.6%,US:74.7;EU:7.2;APAC:6.5;EM:9.4;Other:2.2,Value:-0.4;Growth:-0.5;Quality:+0.7;Size:+0.3;Momentum:-0.3;LowVol:-0.4,MaxPos5%;NoDerivatives;NoMargin,5,30,5.4,trailing 10%,122,17.8,Volatile,21.5,4.44,3.4,160,63,92,37,false,Sell,Trim extended winner -1%,10,1,BrokerA,LMT,91,None,None,Normal monitoring,62,12,34,3,false,Tighten stops on momentum names
P1244,Opportunistic,Taxable,USD,2025-09-17,579507,49209,530298,1.19,63.9,16.4,13.9,5.8,TSLA:18.3%;BND:21.9%;MSFT:21.9%;GLD:15.9%;VNQ:21.9%,US:69.0;EU:11.3;APAC:8.9;EM:9.8;Other:0.9,Value:+0.1;Growth:-1.0;Quality:-0.6;Size:-0.6;Momentum:+0.7;LowVol:-0.2,MaxPos5%,8,30,4.0,hard 12%,224,21.7,Bull,12.0,4.41,2.5,71,6,40,43,false,Sell,Trim extended winner -1%,10,-36,BrokerA,MKT,86,None,None,Normal monitoring,119,-24,195,4,false,Monitor dispersion and breadth
P1245,Systematic,Trust,USD,2025-11-06,685943,28326,657617,1.0,60.3,32.8,0.3,6.6,QQQ:32.9%;MSFT:33.6%;GLD:33.6%,US:75.9;EU:8.1;APAC:6.5;EM:8.0;Other:1.5,Value:+0.8;Growth:-0.5;Quality:+0.2;Size:-0.9;Momentum:+0.3;LowVol:+0.7,NoDerivatives,10,30,5.8,trailing 9%,229,16.1,Bull,12.0,3.84,3.1,81,6,56,48,false,Buy,Add to core equity +1%,2,-3,BrokerC,LMT,99,None,None,Normal monitoring,28,12,15,5,false,Tax-aware sells next window
P1246,Cautious,Trust,USD,2025-03-04,838411,85330,753081,1.0,49.7,30.4,6.3,13.5,BRK.B:19.8%;TSLA:20.7%;VNQ:10.8%;HYG:24.3%;VTI:24.3%,US:70.0;EU:7.0;APAC:14.7;EM:4.2;Other:4.1,Value:-0.5;Growth:-0.3;Quality:+0.4;Size:0.0;Momentum:-0.4;LowVol:-0.3,MaxPos7%;NoDerivatives;NoMargin,8,30,5.3,hard 10%,90,18.9,Bull,17.3,3.51,2.7,77,33,51,49,false,NoAction,Within bands; monitor,-6,0,BrokerA,MKT,0,None,None,Normal monitoring,-31,-31,-45,4,false,Increase defensive factor exposure
P1247,Opportunistic,Taxable,USD,2024-08-08,740683,41284,699399,1.0,61.1,21.9,11.9,5.1,XLF:26.5%;HYG:26.5%;AAPL:20.5%;TSLA:26.5%,US:65.3;EU:16.4;APAC:10.1;EM:3.8;Other:4.4,Value:-0.5;Growth:+0.5;Quality:+0.8;Size:-0.5;Momentum:+0.4;LowVol:+0.3,MaxPos8%,7,30,6.8,trailing 9%,210,20.1,Volatile,26.0,5.15,4.3,154,-8,50,77,true,Hedge,Buy index puts 1% notional,30,-40,BrokerA,MKT,85,VAR>budget,Reduce,Risk above budget threshold,72,12,115,3,false,Increase defensive factor exposure
P1248,Systematic,Roth,USD,2025-09-14,1931896,109475,1822421,1.0,57.0,29.3,5.9,7.8,TSLA:33.3%;VTI:33.3%;VNQ:33.3%,US:56.8;EU:20.6;APAC:12.2;EM:7.7;Other:2.7,Value:+0.6;Growth:+0.5;Quality:+0.9;Size:-0.3;Momentum:-0.9;LowVol:-0.9,,7,25,4.0,trailing 9%,165,18.0,Bear,27.5,3.99,1.9,181,-79,5,73,true,Rebalance,Rebalance back to target bands,31,-35,BrokerB,LMT,97,VAR>budget,Reduce,Risk above budget threshold,-5,-48,39,3,false,Monitor dispersion and breadth
P1249,Active,Trust,USD,2025-05-13,2309420,162830,2146590,1.0,61.0,20.9,8.5,9.6,VNQ:21.1%;VTI:21.1%;HYG:17.5%;MSFT:21.1%;BRK.B:19.2%,US:65.5;EU:11.0;APAC:12.5;EM:7.2;Other:3.8,Value:+0.9;Growth:+0.8;Quality:+0.4;Size:+0.7;Momentum:+0.6;LowVol:0.0,,5,35,4.9,hard 12%,125,17.3,Bull,12.9,4.84,3.3,93,47,63,35,false,Buy,Add to core equity +1%,13,-9,BrokerB,LMT,98,None,None,Normal monitoring,-54,-50,-5,5,false,Monitor dispersion and breadth
P1250,Active,401k,USD,2025-12-06,740352,69084,671268,1.0,60.8,30.1,0.0,9.1,MUB:37.9%;VTI:37.9%;TLT:24.3%,US:66.0;EU:10.5;APAC:12.7;EM:7.6;Other:3.3,Value:+0.9;Growth:+0.7;Quality:+0.2;Size:+0.1;Momentum:-0.1;LowVol:+0.3,,8,25,5.1,trailing 8%,200,18.2,Sideways,18.8,4.57,2.9,127,-17,47,58,false,Sell,Trim extended winner -1%,6,-31,BrokerA,LMT,98,None,None,Normal monitoring,101,13,185,5,false,Monitor dispersion and breadth
P1251,Cautious,Trust,USD,2024-10-26,448711,70239,378472,1.0,48.4,37.7,0.0,13.9,TLT:26.3%;XLF:21.2%;BND:26.3%;TSLA:26.3%,US:68.7;EU:10.7;APAC:12.3;EM:3.3;Other:5.1,Value:+0.3;Growth:-0.9;Quality:+0.2;Size:-0.3;Momentum:-0.5;LowVol:+0.2,NoMargin,8,25,3.3,hard 10%,102,18.9,Bull,14.7,4.04,2.0,74,96,100,34,false,Rebalance,Shift +1% to bonds from equity,17,-4,BrokerB,LMT,90,None,None,Normal monitoring,-9,-19,-18,5,false,Tighten stops on momentum names
P1252,Opportunistic,Taxable,USD,2025-06-14,464656,30329,434327,1.07,72.8,17.5,4.6,5.2,HYG:24.4%;AAPL:24.4%;BND:24.4%;MUB:16.1%;VOO:10.9%,US:71.9;EU:10.8;APAC:8.7;EM:8.0;Other:0.7,Value:-0.9;Growth:+0.6;Quality:+0.6;Size:+0.1;Momentum:+0.1;LowVol:+0.1,NoDerivatives,10,25,4.6,trailing 7%,176,25.0,Bull,17.9,4.63,3.3,102,21,46,65,false,Rebalance,Shift +1% to bonds from equity,24,-10,BrokerC,LMT,86,None,None,Normal monitoring,61,-35,140,5,false,Within IPS guidelines
P1253,Opportunistic,401k,USD,2024-11-26,1306370,57142,1249228,1.0,68.8,15.2,7.7,8.3,AMZN:21.6%;VOO:21.6%;BRK.B:18.7%;VTI:16.6%;BND:21.6%,US:67.8;EU:7.4;APAC:10.3;EM:10.3;Other:4.2,Value:-0.8;Growth:+0.9;Quality:-0.2;Size:-0.7;Momentum:+0.1;LowVol:0.0,MaxPos5%,5,35,5.5,trailing 7%,217,23.3,Sideways,15.5,3.71,2.2,102,38,67,44,false,Rebalance,Shift +1% to bonds from equity,-8,-29,BrokerC,VWAP,91,None,None,Normal monitoring,58,-54,69,5,false,Within IPS guidelines
P1254,Hands-off,Roth,USD,2024-10-07,733013,46158,686855,1.0,64.7,17.4,12.0,5.9,AMZN:25.0%;BRK.B:25.0%;XLF:25.0%;VNQ:25.0%,US:66.7;EU:11.5;APAC:10.6;EM:9.4;Other:1.8,Value:0.0;Growth:-0.7;Quality:-0.2;Size:+0.5;Momentum:-0.7;LowVol:+0.5,ESGOnly;MaxPos5%;NoDerivatives,7,30,5.2,trailing 10%,112,15.0,Sideways,17.8,3.56,2.9,105,52,77,51,false,Hedge,Add TLT +1% as duration hedge,30,-15,BrokerD,VWAP,100,None,None,Normal monitoring,79,-17,119,3,false,Tighten stops on momentum names
P1255,Active,Trust,USD,2024-12-04,1565499,127209,1438290,1.13,51.9,26.4,12.9,8.7,IEF:22.7%;VOO:22.7%;BND:19.9%;GLD:12.0%;QQQ:22.7%,US:68.6;EU:8.1;APAC:14.4;EM:5.0;Other:4.0,Value:-0.3;Growth:-0.7;Quality:+0.1;Size:0.0;Momentum:-0.4;LowVol:+0.2,,7,25,4.9,trailing 8%,139,16.5,Sideways,16.3,3.72,3.3,121,41,80,34,true,Hedge,Buy index puts 1% notional,-11,-4,BrokerA,LMT,100,Drift>tolerance,Pause,Allocation drift beyond policy bands,82,-42,133,4,false,Within IPS guidelines
P1256,Cautious,401k,USD,2025-01-21,375329,33272,342057,1.0,37.9,31.7,16.0,14.4,MUB:16.7%;IEF:17.7%;AMZN:19.2%;TLT:23.2%;XLF:23.2%,US:63.6;EU:11.3;APAC:10.7;EM:10.4;Other:4.0,Value:-0.9;Growth:-0.8;Quality:+0.7;Size:+0.9;Momentum:-0.9;LowVol:-0.6,ESGOnly;NoMargin,10,30,5.8,trailing 8%,140,17.6,Bull,16.7,4.51,2.1,106,114,100,35,false,NoAction,Within bands; monitor,-1,-23,BrokerB,LMT,88,None,None,Normal monitoring,-2,-8,122,4,false,Increase defensive factor exposure
P1257,Cautious,IRA,USD,2025-10-20,291893,28279,263614,1.0,35.6,32.1,15.0,17.3,BND:27.8%;GLD:27.8%;MUB:25.7%;BRK.B:18.6%,US:65.6;EU:15.0;APAC:13.0;EM:6.2;Other:0.2,Value:-0.5;Growth:-0.6;Quality:+0.5;Size:+0.8;Momentum:+0.5;LowVol:-0.1,ESGOnly;MaxPos7%;NoMargin,7,25,3.4,hard 10%,92,16.2,Bull,13.5,4.59,2.5,75,68,72,36,false,Buy,Add to core equity +1%,2,-30,BrokerD,MKT,92,None,None,Normal monitoring,93,2,125,4,false,Increase defensive factor exposure
P1258,Systematic,Taxable,USD,2025-01-25,1719107,160282,1558825,1.0,60.6,32.0,0.0,7.3,BND:23.7%;AMZN:21.3%;QQQ:27.5%;TLT:27.5%,US:71.6;EU:13.9;APAC:5.6;EM:8.1;Other:0.7,Value:+0.2;Growth:-0.8;Quality:+0.8;Size:+0.5;Momentum:-0.7;LowVol:+0.6,,6,30,5.5,trailing 9%,177,24.7,Bull,17.7,3.78,2.5,89,66,69,51,false,Hedge,Add TLT +1% as duration hedge,1,-32,BrokerC,LMT,99,None,None,Normal monitoring,-40,-57,-45,3,false,Tighten stops on momentum names
P1259,Hands-off,Taxable,USD,2024-07-21,677818,57678,620140,1.0,61.5,21.6,11.8,5.1,GLD:25.1%;AMZN:25.1%;TSLA:25.1%;AAPL:24.6%,US:65.2;EU:17.0;APAC:8.9;EM:5.7;Other:3.3,Value:+1.0;Growth:-0.3;Quality:-0.2;Size:-0.6;Momentum:-0.1;LowVol:+0.2,ESGOnly;NoDerivatives,10,25,3.0,trailing 10%,124,14.7,Volatile,31.7,3.53,4.5,146,-13,57,81,true,Reduce,"Cut high-beta by 2-3%, add cash",30,3,BrokerD,MKT,91,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,58,-7,141,4,false,Increase defensive factor exposure
P1260,Active,Roth,USD,2025-03-15,878469,93151,785318,1.0,65.0,26.3,0.0,8.6,GLD:21.9%;VNQ:21.9%;HYG:12.5%;TLT:21.9%;IEF:21.9%,US:66.6;EU:13.3;APAC:9.4;EM:6.8;Other:4.0,Value:-0.2;Growth:+0.9;Quality:+0.9;Size:-0.2;Momentum:-0.4;LowVol:+0.5,,5,35,5.4,trailing 9%,217,21.7,Volatile,20.0,3.65,2.4,171,-37,37,66,false,Sell,Trim extended winner -1%,20,5,BrokerA,MKT,93,None,None,Normal monitoring,98,-8,190,3,false,Monitor dispersion and breadth
P1261,Cautious,Roth,USD,2025-03-31,249975,30039,219936,1.0,43.7,35.9,6.7,13.7,HYG:33.3%;XLF:33.3%;VNQ:33.3%,US:60.2;EU:19.3;APAC:6.5;EM:9.2;Other:4.7,Value:-0.9;Growth:-0.5;Quality:+0.6;Size:+0.6;Momentum:-0.2;LowVol:-0.5,ESGOnly;NoDerivatives;NoMargin,6,35,4.5,hard 10%,159,15.5,Bull,17.6,4.75,2.7,72,71,87,51,false,Rebalance,Shift +1% to bonds from equity,29,-16,BrokerD,VWAP,98,None,None,Normal monitoring,-31,-57,-20,5,false,Monitor dispersion and breadth
P1262,Hands-off,IRA,USD,2025-09-13,622393,27053,595340,1.0,57.8,15.2,21.7,5.3,BND:16.8%;VTI:21.1%;HYG:21.1%;TSLA:21.1%;QQQ:19.9%,US:69.9;EU:9.1;APAC:12.2;EM:4.8;Other:4.0,Value:+0.6;Growth:+0.1;Quality:+0.1;Size:+0.5;Momentum:+0.7;LowVol:+0.7,MaxPos8%;NoDerivatives,10,35,5.2,hard 10%,96,13.7,Bull,16.8,4.18,2.1,108,9,49,40,false,NoAction,Within bands; monitor,34,14,BrokerA,LMT,90,None,None,Normal monitoring,39,-2,114,5,false,Tighten stops on momentum names
P1263,Cautious,Roth,USD,2025-04-11,725826,111237,614589,1.0,36.6,31.3,19.9,12.2,XLF:21.0%;TLT:7.3%;BND:21.0%;VTI:16.9%;BRK.B:13.1%;GLD:20.6%,US:65.1;EU:18.1;APAC:12.9;EM:3.7;Other:0.3,Value:+0.5;Growth:+0.9;Quality:+0.2;Size:-0.7;Momentum:+0.3;LowVol:-0.8,MaxPos8%;NoMargin,8,25,4.1,trailing 10%,91,16.9,Bear,24.3,3.42,3.0,147,19,69,43,false,Sell,Trim extended winner -1%,-11,2,BrokerB,MKT,90,None,None,Normal monitoring,84,-57,165,3,false,Tighten stops on momentum names
P1264,Cautious,IRA,USD,2024-08-09,251503,30718,220785,1.0,53.2,34.3,0.0,12.5,IEF:10.8%;GLD:25.1%;AMZN:13.8%;VNQ:25.1%;VOO:25.1%,US:69.6;EU:14.2;APAC:4.8;EM:7.8;Other:3.6,Value:+1.0;Growth:-0.3;Quality:-0.4;Size:+0.8;Momentum:+0.4;LowVol:-0.6,ESGOnly;NoMargin,10,25,5.5,trailing 8%,164,15.4,Bull,16.7,4.69,2.9,70,52,64,51,false,Rebalance,Shift +1% to bonds from equity,31,-23,BrokerD,LMT,85,None,None,Normal monitoring,-34,-33,72,5,false,Tighten stops on momentum names
P1265,Active,IRA,USD,2024-08-20,1607801,118800,1489001,1.0,57.7,29.3,5.9,7.1,TSLA:33.4%;HYG:33.2%;VNQ:33.4%,US:69.9;EU:7.8;APAC:12.8;EM:7.9;Other:1.5,Value:-0.6;Growth:+0.6;Quality:+0.5;Size:-0.9;Momentum:+0.6;LowVol:-0.8,NoDerivatives,10,35,5.8,trailing 8%,135,21.0,Bull,14.3,4.26,2.2,88,95,93,37,false,Hedge,Add TLT +1% as duration hedge,-13,2,BrokerC,MKT,98,None,None,Normal monitoring,91,-11,115,3,false,Tax-aware sells next window
P1266,Hands-off,Trust,USD,2025-11-02,734822,44893,689929,1.0,58.0,26.8,10.0,5.3,AAPL:20.6%;BRK.B:14.2%;VOO:16.4%;BND:24.4%;QQQ:24.4%,US:68.3;EU:7.2;APAC:8.9;EM:11.4;Other:4.2,Value:+0.4;Growth:+0.1;Quality:-1.0;Size:-0.4;Momentum:-0.8;LowVol:-0.1,ESGOnly,8,25,4.6,trailing 10%,141,12.8,Sideways,21.1,4.26,2.7,135,34,52,54,false,Rebalance,Shift +1% to bonds from equity,35,-40,BrokerC,LMT,90,None,None,Normal monitoring,-19,9,36,4,false,Tax-aware sells next window
P1267,Cautious,IRA,USD,2025-08-11,447680,62854,384826,1.0,49.2,37.8,0.3,12.8,QQQ:20.4%;MUB:26.5%;VNQ:26.5%;AMZN:26.5%,US:66.5;EU:17.5;APAC:7.0;EM:5.9;Other:3.2,Value:-0.6;Growth:+0.6;Quality:-0.5;Size:+0.6;Momentum:+0.7;LowVol:+0.1,ESGOnly;NoMargin,10,25,4.4,hard 10%,106,17.0,Sideways,17.0,4.35,3.4,131,41,78,43,false,Sell,Trim extended winner -1%,-1,-25,BrokerD,LMT,90,None,None,Normal monitoring,17,4,139,5,false,Increase defensive factor exposure
P1268,Systematic,Roth,USD,2025-03-31,1365995,133996,1231999,1.0,62.5,20.1,10.0,7.4,IEF:28.2%;QQQ:28.2%;BRK.B:15.4%;VOO:28.2%,US:64.9;EU:17.3;APAC:12.5;EM:4.6;Other:0.6,Value:-1.0;Growth:-0.5;Quality:-0.1;Size:+0.7;Momentum:-0.5;LowVol:-0.9,,7,30,4.4,trailing 9%,179,21.6,Volatile,20.6,5.0,4.2,177,-41,23,63,false,Hedge,Add TLT +1% as duration hedge,6,-33,BrokerA,MKT,96,None,None,Normal monitoring,35,-23,58,5,false,Within IPS guidelines
P1269,Cautious,Taxable,USD,2025-11-28,154815,19245,135570,1.0,37.6,43.7,3.8,15.0,TSLA:24.3%;MSFT:25.2%;AAPL:25.2%;BND:25.2%,US:59.8;EU:17.4;APAC:13.6;EM:7.2;Other:2.0,Value:-0.2;Growth:+0.4;Quality:-0.9;Size:-0.5;Momentum:+0.2;LowVol:-0.2,NoMargin,6,35,5.0,hard 10%,161,15.3,Volatile,29.3,4.74,2.6,117,-25,33,53,false,NoAction,Within bands; monitor,-3,-6,BrokerC,LMT,100,None,None,Normal monitoring,28,19,125,3,false,Tax-aware sells next window
P1270,Cautious,Trust,USD,2025-02-23,625035,69732,555303,1.0,48.6,34.9,6.3,10.2,VOO:20.7%;TLT:21.3%;GLD:21.3%;BND:11.5%;MUB:17.0%;AMZN:8.2%,US:62.2;EU:16.9;APAC:14.8;EM:5.9;Other:0.2,Value:+0.6;Growth:+0.1;Quality:+0.2;Size:+0.9;Momentum:-0.3;LowVol:+0.6,NoMargin,7,35,5.3,trailing 8%,158,12.3,Volatile,30.9,4.17,3.9,131,-17,27,69,false,Rebalance,Shift +1% to bonds from equity,-7,3,BrokerB,MKT,89,None,None,Normal monitoring,-50,17,-57,5,false,Increase defensive factor exposure
P1271,Active,Taxable,USD,2024-11-28,1599911,163808,1436103,1.19,51.3,22.8,16.0,9.8,XLF:18.2%;HYG:27.3%;TSLA:27.3%;AMZN:27.3%,US:66.7;EU:15.3;APAC:9.3;EM:5.3;Other:3.4,Value:-0.3;Growth:+0.2;Quality:+0.3;Size:+0.7;Momentum:+0.2;LowVol:-0.5,,10,30,4.2,hard 12%,175,17.0,Bear,26.6,3.16,1.1,132,-111,9,64,true,Hedge,Buy index puts 1% notional,27,-22,BrokerD,MKT,90,Drift>tolerance,Hedge,Allocation drift beyond policy bands,114,-28,95,5,false,Monitor dispersion and breadth
P1272,Active,Taxable,USD,2025-07-05,2023422,199833,1823589,1.0,58.1,30.9,4.8,6.2,MSFT:37.0%;BRK.B:37.0%;IEF:25.9%,US:69.2;EU:15.2;APAC:5.4;EM:10.0;Other:0.2,Value:-0.8;Growth:+0.4;Quality:-0.6;Size:-0.9;Momentum:-0.8;LowVol:+0.8,,7,30,5.6,hard 12%,154,16.9,Sideways,19.8,4.48,2.3,137,18,53,56,false,Buy,Add to core equity +1%,-8,-14,BrokerD,MKT,85,None,None,Normal monitoring,39,-11,86,5,false,Within IPS guidelines
P1273,Cautious,401k,USD,2025-10-23,222479,27242,195237,1.0,49.6,36.7,0.0,13.8,TSLA:23.8%;IEF:38.1%;QQQ:38.1%,US:62.7;EU:19.4;APAC:7.4;EM:9.4;Other:1.1,Value:+0.9;Growth:-0.9;Quality:-0.1;Size:+0.4;Momentum:+0.7;LowVol:-0.4,NoDerivatives;NoMargin,6,30,5.6,trailing 10%,130,16.5,Bull,14.4,3.91,2.7,80,33,74,38,false,Rebalance,Shift +1% to bonds from equity,-2,-4,BrokerB,LMT,98,None,None,Normal monitoring,105,-41,197,5,false,Within IPS guidelines
P1274,Cautious,401k,USD,2025-10-07,162978,20177,142801,1.0,40.2,34.4,8.0,17.3,VOO:14.6%;GLD:24.2%;VTI:12.9%;AMZN:24.2%;HYG:24.2%,US:65.8;EU:12.8;APAC:17.4;EM:3.9;Other:0.1,Value:+1.0;Growth:+0.2;Quality:-0.8;Size:+0.2;Momentum:+0.7;LowVol:-0.4,NoMargin,7,30,5.5,trailing 10%,162,14.4,Sideways,21.5,4.1,3.0,121,26,53,37,false,Sell,Trim extended winner -1%,4,6,BrokerA,LMT,99,None,None,Normal monitoring,34,-7,1,5,false,Tighten stops on momentum names
P1275,Cautious,Roth,USD,2025-09-05,158340,22446,135894,1.0,42.4,41.3,3.5,12.7,AAPL:20.1%;XLF:21.1%;MSFT:10.9%;TSLA:12.0%;VOO:14.9%;IEF:21.1%,US:62.3;EU:17.2;APAC:6.5;EM:9.9;Other:4.1,Value:-0.6;Growth:-0.8;Quality:-0.9;Size:+0.3;Momentum:+0.3;LowVol:0.0,ESGOnly;NoMargin,5,35,3.2,trailing 10%,98,17.1,Bull,11.9,4.52,3.1,120,5,40,34,false,Buy,Add to core equity +1%,4,-28,BrokerC,LMT,100,None,None,Normal monitoring,-22,-47,-21,4,false,Within IPS guidelines
P1276,Active,Trust,USD,2025-01-25,2198466,222398,1976068,1.0,60.3,28.1,5.0,6.5,IEF:25.5%;HYG:25.5%;VOO:25.5%;VNQ:23.5%,US:57.9;EU:20.2;APAC:11.2;EM:10.6;Other:0.0,Value:-0.1;Growth:+0.7;Quality:+0.3;Size:-0.3;Momentum:-0.6;LowVol:-0.5,,6,25,4.6,trailing 8%,216,20.2,Bull,17.9,4.36,3.1,78,17,73,54,true,Rebalance,Rebalance back to target bands,27,9,BrokerA,LMT,87,RegimeShift,Reduce,Volatility spike and breadth deterioration,8,-50,-9,3,false,Tighten stops on momentum names
P1277,Active,Trust,USD,2025-05-31,2498172,244046,2254126,1.0,58.8,31.3,0.0,9.9,MUB:22.5%;XLF:14.6%;QQQ:13.2%;TSLA:22.5%;VOO:9.1%;AAPL:18.1%,US:69.8;EU:13.2;APAC:6.2;EM:9.8;Other:0.9,Value:-0.1;Growth:+0.6;Quality:-0.9;Size:-1.0;Momentum:-0.6;LowVol:+0.5,MaxPos8%,8,25,5.1,trailing 8%,170,26.7,Bull,12.4,4.64,2.5,81,98,97,31,false,Buy,Add to core equity +1%,-8,-36,BrokerB,MKT,89,None,None,Normal monitoring,42,-47,142,5,false,Increase defensive factor exposure
P1278,Systematic,401k,USD,2024-11-22,1846341,78727,1767614,1.0,67.4,25.3,1.6,5.7,IEF:22.8%;VNQ:15.8%;BND:11.5%;BRK.B:22.8%;VTI:18.0%;TLT:9.1%,US:67.0;EU:16.2;APAC:9.9;EM:4.0;Other:2.9,Value:+0.8;Growth:-0.2;Quality:+0.2;Size:+0.9;Momentum:+0.7;LowVol:+0.3,,5,35,5.7,hard 12%,158,22.8,Bear,22.2,3.41,2.9,185,-86,5,70,false,Buy,Add to core equity +1%,-10,-5,BrokerC,MKT,88,None,None,Normal monitoring,21,-20,22,3,false,Within IPS guidelines
P1279,Cautious,Roth,USD,2025-06-03,355140,55721,299419,1.0,41.6,34.9,6.4,17.2,MSFT:19.9%;MUB:24.7%;QQQ:20.3%;BND:24.7%;GLD:10.5%,US:68.4;EU:9.7;APAC:11.8;EM:8.5;Other:1.6,Value:+0.1;Growth:-0.6;Quality:+0.1;Size:-0.4;Momentum:+0.8;LowVol:-0.1,NoDerivatives;NoMargin,5,25,5.2,trailing 8%,125,15.1,Bear,30.8,3.32,1.1,183,1,47,70,false,NoAction,Within bands; monitor,20,5,BrokerC,VWAP,90,None,None,Normal monitoring,-60,-32,61,4,false,Tax-aware sells next window
P1280,Hands-off,IRA,USD,2025-08-27,360104,23133,336971,1.0,74.4,17.2,1.8,6.6,MUB:27.8%;TLT:16.6%;TSLA:27.8%;VTI:27.8%,US:56.4;EU:14.4;APAC:13.1;EM:12.3;Other:3.7,Value:+0.5;Growth:-0.6;Quality:-0.2;Size:+0.7;Momentum:+0.7;LowVol:+0.4,ESGOnly;NoDerivatives,8,25,5.8,trailing 8%,143,16.9,Volatile,27.8,5.03,4.3,129,33,52,77,true,Hedge,Buy index puts 1% notional,0,-6,BrokerA,LMT,90,Drift>tolerance,Reduce,Allocation drift beyond policy bands,31,19,53,4,false,Monitor dispersion and breadth
P1281,Opportunistic,Taxable,USD,2024-12-22,786220,34933,751287,1.09,71.9,10.4,10.8,7.0,TLT:13.5%;AAPL:20.9%;QQQ:17.8%;VOO:20.9%;MSFT:13.7%;XLF:13.2%,US:68.0;EU:13.8;APAC:9.2;EM:5.0;Other:4.0,Value:-1.0;Growth:+0.5;Quality:-0.9;Size:+0.7;Momentum:-0.5;LowVol:-0.5,,6,35,5.6,trailing 7%,173,20.2,Bull,12.2,4.71,2.2,115,53,85,55,false,Sell,Trim extended winner -1%,20,9,BrokerC,MKT,96,None,None,Normal monitoring,76,-1,105,5,false,Monitor dispersion and breadth
P1282,Cautious,Trust,USD,2025-08-01,322711,30649,292062,1.0,35.2,40.9,9.7,14.2,MSFT:9.9%;HYG:22.8%;QQQ:22.8%;IEF:22.8%;TLT:21.8%,US:57.6;EU:14.1;APAC:14.0;EM:11.8;Other:2.4,Value:+0.5;Growth:-0.6;Quality:+0.1;Size:+0.8;Momentum:-0.2;LowVol:-0.3,ESGOnly;NoDerivatives;NoMargin,5,30,5.0,trailing 8%,92,12.8,Volatile,28.0,5.3,4.0,115,-41,16,55,false,Buy,Add to core equity +1%,3,-30,BrokerA,LMT,98,None,None,Normal monitoring,-38,-1,-76,3,false,Tax-aware sells next window
P1283,Active,Roth,USD,2025-02-13,2015066,178538,1836528,1.0,62.0,23.2,9.6,5.3,VNQ:18.0%;IEF:32.3%;MUB:17.4%;BND:32.3%,US:62.7;EU:19.7;APAC:6.3;EM:7.9;Other:3.4,Value:-0.7;Growth:+0.3;Quality:-0.5;Size:+0.6;Momentum:+0.4;LowVol:-0.5,,7,30,5.7,trailing 8%,127,17.1,Sideways,15.3,3.99,3.2,103,-18,52,53,false,NoAction,Within bands; monitor,23,14,BrokerC,LMT,100,None,None,Normal monitoring,60,-4,59,5,false,Tax-aware sells next window
P1284,Cautious,Roth,USD,2025-05-19,197864,29546,168318,1.0,52.0,33.0,0.0,15.1,HYG:35.0%;TLT:35.0%;MUB:30.0%,US:59.4;EU:18.6;APAC:11.5;EM:8.4;Other:2.1,Value:-0.9;Growth:+0.5;Quality:0.0;Size:-0.6;Momentum:+0.5;LowVol:-0.4,NoDerivatives;NoMargin,8,35,4.7,hard 10%,149,15.3,Bear,33.7,4.22,2.1,198,18,60,71,true,Reduce,"Cut high-beta by 2-3%, add cash",-3,-8,BrokerD,LMT,86,VAR>budget,TightenStops,Risk above budget threshold,15,-48,11,5,false,Within IPS guidelines
P1285,Cautious,401k,USD,2025-10-18,549895,66738,483157,1.0,43.8,40.9,0.0,15.2,BND:12.9%;VOO:29.3%;AAPL:29.3%;VTI:28.5%,US:56.9;EU:18.4;APAC:8.7;EM:11.5;Other:4.4,Value:0.0;Growth:+0.6;Quality:+0.8;Size:+0.1;Momentum:+0.3;LowVol:-0.4,ESGOnly;MaxPos6%;NoMargin,6,35,5.4,trailing 8%,144,15.6,Volatile,26.3,4.68,3.1,156,5,38,56,false,Rebalance,Shift +1% to bonds from equity,-6,-28,BrokerD,MKT,97,None,None,Normal monitoring,5,15,136,4,false,Increase defensive factor exposure
P1286,Systematic,Taxable,USD,2025-01-14,604789,40438,564351,1.0,56.0,21.3,17.2,5.5,GLD:21.8%;VTI:15.8%;AMZN:8.8%;QQQ:19.4%;IEF:20.2%;XLF:14.0%,US:65.7;EU:15.6;APAC:10.1;EM:7.8;Other:0.9,Value:+0.3;Growth:-0.1;Quality:-0.9;Size:-0.9;Momentum:+0.5;LowVol:+0.1,,6,25,5.2,trailing 8%,141,23.4,Bear,31.0,3.46,2.3,148,-91,5,72,true,Hedge,Buy index puts 1% notional,4,11,BrokerB,MKT,99,VAR>budget,Hedge,Risk above budget threshold,-10,-34,64,5,false,Tighten stops on momentum names
P1287,Cautious,IRA,USD,2024-09-30,176367,27626,148741,1.0,43.8,41.5,1.7,13.0,BRK.B:12.7%;TSLA:29.1%;IEF:29.1%;VTI:29.1%,US:73.0;EU:6.2;APAC:7.9;EM:10.4;Other:2.5,Value:-0.8;Growth:+0.3;Quality:-0.9;Size:-0.3;Momentum:+0.2;LowVol:-0.6,ESGOnly;NoMargin,5,25,3.8,trailing 8%,97,13.0,Bull,13.7,3.56,2.4,111,109,100,27,false,Rebalance,Shift +1% to bonds from equity,27,-3,BrokerB,LMT,92,None,None,Normal monitoring,88,-43,173,3,false,Tax-aware sells next window
P1288,Active,Taxable,USD,2025-10-20,1433080,170410,1262670,1.0,56.3,30.3,4.2,9.3,TSLA:23.3%;XLF:10.8%;BRK.B:19.5%;MSFT:23.3%;HYG:23.3%,US:65.0;EU:8.2;APAC:11.1;EM:10.8;Other:4.9,Value:+0.2;Growth:-0.8;Quality:-0.6;Size:-0.2;Momentum:+0.9;LowVol:+0.9,MaxPos8%,8,35,4.4,trailing 8%,218,19.1,Bull,14.8,4.47,2.8,70,33,53,50,false,NoAction,Within bands; monitor,12,-25,BrokerD,LMT,87,None,None,Normal monitoring,-34,-58,-32,5,false,Tax-aware sells next window
P1289,Systematic,Taxable,USD,2025-12-21,1298067,91283,1206784,1.0,61.1,30.4,0.0,8.5,QQQ:15.7%;TLT:15.9%;XLF:22.8%;VOO:22.8%;BRK.B:22.8%,US:61.5;EU:20.2;APAC:8.5;EM:7.1;Other:2.8,Value:+0.3;Growth:+0.1;Quality:-0.2;Size:-0.7;Momentum:-1.0;LowVol:+0.7,MaxPos7%,6,30,5.7,trailing 8%,202,25.9,Bull,13.5,3.61,2.6,108,47,65,46,false,Rebalance,Shift +1% to bonds from equity,-7,-27,BrokerD,MKT,87,None,None,Normal monitoring,59,-50,154,3,false,Within IPS guidelines
P1290,Hands-off,Taxable,USD,2024-07-19,283679,28131,255548,1.0,66.7,23.6,1.0,8.8,IEF:27.4%;MUB:36.3%;BND:36.3%,US:71.7;EU:6.1;APAC:13.9;EM:7.9;Other:0.3,Value:+0.3;Growth:+0.5;Quality:-0.0;Size:-0.2;Momentum:-0.8;LowVol:-1.0,,10,30,3.7,trailing 10%,146,14.4,Sideways,20.5,3.58,3.2,98,53,68,55,false,Buy,Add to core equity +1%,1,-33,BrokerD,LMT,96,None,None,Normal monitoring,84,-17,187,5,false,Within IPS guidelines
P1291,Active,Trust,USD,2025-03-24,1626150,140134,1486016,1.0,66.7,22.6,1.8,8.9,BND:10.6%;GLD:8.4%;MSFT:20.8%;HYG:21.3%;TLT:17.5%;BRK.B:21.3%,US:67.9;EU:15.5;APAC:7.3;EM:9.3;Other:0.1,Value:-1.0;Growth:-0.3;Quality:-0.5;Size:-0.5;Momentum:-0.7;LowVol:+0.3,NoDerivatives,8,35,4.5,trailing 9%,216,17.6,Volatile,30.3,4.88,2.4,156,-19,38,89,true,Hedge,Buy index puts 1% notional,-11,-15,BrokerC,MKT,92,Drift>tolerance,Reduce,Allocation drift beyond policy bands,46,10,169,2,false,Tighten stops on momentum names
P1292,Cautious,Trust,USD,2024-07-24,485913,65829,420084,1.0,39.5,32.9,14.8,12.8,TSLA:33.3%;MUB:33.3%;TLT:33.3%,US:74.3;EU:8.5;APAC:6.7;EM:6.0;Other:4.5,Value:+0.8;Growth:-0.8;Quality:-0.2;Size:-0.5;Momentum:+0.9;LowVol:+0.6,MaxPos8%;NoDerivatives;NoMargin,5,25,4.6,trailing 8%,114,19.4,Volatile,27.3,4.12,4.1,172,68,81,68,false,Rebalance,Shift +1% to bonds from equity,15,-11,BrokerC,MKT,96,None,None,Normal monitoring,111,-21,138,5,false,Monitor dispersion and breadth
P1293,Cautious,Trust,USD,2025-03-04,693688,98214,595474,1.0,45.6,31.3,7.0,16.0,MUB:22.6%;BND:22.6%;AMZN:22.2%;QQQ:22.6%;VOO:10.0%,US:71.6;EU:11.1;APAC:11.2;EM:5.8;Other:0.3,Value:-0.3;Growth:+0.7;Quality:-0.4;Size:+0.1;Momentum:+0.5;LowVol:+0.6,ESGOnly;MaxPos6%;NoDerivatives;NoMargin,10,25,4.3,trailing 8%,141,15.0,Sideways,18.9,4.97,2.1,100,-4,53,54,false,Hedge,Add TLT +1% as duration hedge,0,-35,BrokerB,VWAP,99,None,None,Normal monitoring,-58,-30,-95,3,false,Tax-aware sells next window
P1294,Hands-off,Roth,USD,2024-12-10,589996,55688,534308,1.0,60.7,25.3,8.5,5.5,QQQ:24.0%;AAPL:24.0%;HYG:15.9%;TLT:24.0%;TSLA:12.0%,US:68.0;EU:11.1;APAC:12.8;EM:7.2;Other:0.9,Value:-0.5;Growth:+0.9;Quality:+0.2;Size:+0.3;Momentum:-0.7;LowVol:-0.4,,6,25,4.5,trailing 8%,104,15.0,Volatile,27.0,5.45,3.1,141,-16,48,66,false,Buy,Add to core equity +1%,20,-29,BrokerD,VWAP,95,None,None,Normal monitoring,-43,5,-48,4,false,Tax-aware sells next window
P1295,Opportunistic,Taxable,USD,2025-02-23,809969,62607,747362,1.0,65.8,18.7,9.1,6.5,MUB:22.0%;AMZN:18.3%;MSFT:16.8%;TLT:17.4%;TSLA:15.9%;HYG:9.5%,US:56.9;EU:15.5;APAC:13.6;EM:10.5;Other:3.6,Value:-0.9;Growth:+0.5;Quality:-0.4;Size:-0.0;Momentum:-0.2;LowVol:+0.5,MaxPos6%,8,35,4.2,trailing 9%,194,22.3,Bear,22.1,3.05,1.2,181,-81,5,70,false,Buy,Add to core equity +1%,-9,-4,BrokerD,MKT,94,None,None,Normal monitoring,13,-39,91,3,false,Tighten stops on momentum names
P1296,Cautious,Taxable,USD,2024-10-18,193503,16706,176797,1.0,47.4,42.4,0.0,10.1,MSFT:36.3%;XLF:27.4%;MUB:36.3%,US:64.1;EU:17.2;APAC:6.4;EM:7.6;Other:4.7,Value:+0.1;Growth:-0.1;Quality:-0.7;Size:-0.3;Momentum:-0.9;LowVol:+0.1,ESGOnly;NoMargin,5,35,5.7,trailing 8%,112,12.5,Sideways,17.4,4.57,3.4,119,32,76,43,false,Buy,Add to core equity +1%,-2,-40,BrokerC,MKT,97,None,None,Normal monitoring,-46,11,-20,5,false,Increase defensive factor exposure
P1297,Opportunistic,401k,USD,2024-10-10,656623,46558,610065,1.0,64.0,11.8,19.0,5.2,QQQ:33.3%;BRK.B:33.3%;HYG:33.3%,US:63.5;EU:8.6;APAC:14.5;EM:11.4;Other:1.9,Value:+0.5;Growth:-0.7;Quality:-0.6;Size:-0.7;Momentum:-0.1;LowVol:-0.4,,7,30,6.3,trailing 9%,268,20.4,Volatile,27.7,4.65,3.9,129,77,100,82,true,Reduce,"Cut high-beta by 2-3%, add cash",-11,-16,BrokerD,MKT,98,VAR>budget,Hedge,Risk above budget threshold,-46,-51,-69,4,false,Increase defensive factor exposure
P1298,Opportunistic,401k,USD,2024-09-20,1540902,121701,1419201,1.0,71.7,19.7,4.0,4.6,TLT:33.3%;VNQ:33.3%;QQQ:33.3%,US:68.1;EU:6.8;APAC:11.0;EM:10.2;Other:4.0,Value:-0.7;Growth:-0.0;Quality:-0.3;Size:-0.6;Momentum:+0.1;LowVol:+0.7,MaxPos5%;NoDerivatives,10,35,6.1,trailing 7%,237,28.2,Bear,22.7,3.86,2.1,201,-111,5,69,false,Rebalance,Shift +1% to bonds from equity,9,-3,BrokerA,LMT,94,None,None,Normal monitoring,-35,-38,13,3,false,Increase defensive factor exposure
P1299,Hands-off,Taxable,USD,2025-10-31,255505,16688,238817,1.0,61.9,22.1,9.5,6.6,MUB:22.3%;XLF:22.3%;HYG:11.9%;AMZN:12.9%;GLD:8.4%;VOO:22.3%,US:64.6;EU:18.0;APAC:11.6;EM:4.8;Other:1.0,Value:-0.1;Growth:-0.5;Quality:-0.4;Size:-0.5;Momentum:-0.6;LowVol:+0.1,ESGOnly,6,25,3.5,trailing 8%,151,17.6,Bull,15.6,4.3,3.0,77,77,74,44,false,Sell,Trim extended winner -1%,-2,10,BrokerB,LMT,88,None,None,Normal monitoring,62,-14,174,4,false,Tax-aware sells next window
P1300,Hands-off,Roth,USD,2024-09-11,723796,55431,668365,1.0,55.9,28.6,10.4,5.2,BND:12.7%;VOO:19.0%;AMZN:22.8%;QQQ:22.8%;MSFT:22.8%,US:73.7;EU:7.5;APAC:7.4;EM:8.3;Other:3.1,Value:+0.8;Growth:+0.1;Quality:-0.2;Size:+0.6;Momentum:-0.9;LowVol:-0.2,MaxPos7%,6,30,4.3,trailing 10%,112,12.8,Bull,12.0,4.94,3.2,99,19,74,32,false,Buy,Add to core equity +1%,6,15,BrokerC,LMT,99,None,None,Normal monitoring,-50,-40,16,4,false,Increase defensive factor exposure
P1301,Cautious,Taxable,USD,2025-03-30,174925,21623,153302,1.0,47.1,41.6,0.0,11.2,VNQ:33.3%;HYG:33.3%;MSFT:33.3%,US:56.7;EU:18.9;APAC:14.7;EM:7.2;Other:2.4,Value:+0.8;Growth:-0.5;Quality:-0.4;Size:-0.4;Momentum:+0.8;LowVol:+0.3,MaxPos8%;NoDerivatives;NoMargin,6,25,3.3,trailing 8%,140,17.5,Sideways,15.4,3.83,2.8,139,57,82,29,true,Reduce,"Cut high-beta by 2-3%, add cash",-7,-32,BrokerB,LMT,87,Drift>tolerance,Hedge,Allocation drift beyond policy bands,62,5,161,3,false,Within IPS guidelines
P1302,Opportunistic,Taxable,USD,2024-11-26,1443025,76908,1366117,1.0,64.2,20.3,9.6,5.9,IEF:21.6%;MUB:11.9%;AMZN:21.6%;GLD:19.4%;VNQ:10.6%;BND:14.8%,US:68.8;EU:7.3;APAC:13.8;EM:5.8;Other:4.4,Value:+0.3;Growth:-0.4;Quality:+0.3;Size:-0.3;Momentum:+0.3;LowVol:-0.6,NoDerivatives,7,30,4.3,trailing 7%,277,25.6,Bull,11.6,3.99,2.5,100,79,86,48,false,Hedge,Add TLT +1% as duration hedge,0,-6,BrokerD,LMT,94,None,None,Normal monitoring,24,-35,32,4,false,Monitor dispersion and breadth
P1303,Cautious,Taxable,USD,2024-10-04,292753,39139,253614,1.0,49.3,37.0,0.0,13.7,BND:18.7%;MUB:7.9%;XLF:19.4%;QQQ:18.9%;VOO:17.2%;VNQ:17.8%,US:71.1;EU:8.6;APAC:13.1;EM:4.1;Other:3.1,Value:+0.3;Growth:+0.6;Quality:-0.5;Size:-0.4;Momentum:+0.3;LowVol:+0.9,MaxPos6%;NoDerivatives;NoMargin,8,25,3.8,trailing 8%,159,19.0,Sideways,21.4,4.95,2.8,140,9,50,55,false,NoAction,Within bands; monitor,21,-15,BrokerC,LMT,95,None,None,Normal monitoring,-1,13,73,3,false,Within IPS guidelines
P1304,Opportunistic,IRA,USD,2025-08-07,1306578,52095,1254483,1.0,67.1,11.4,14.8,6.8,GLD:21.2%;MUB:13.4%;AMZN:21.2%;VNQ:7.9%;IEF:17.3%;MSFT:19.1%,US:66.7;EU:12.8;APAC:8.7;EM:9.4;Other:2.3,Value:+0.4;Growth:+1.0;Quality:+0.9;Size:+0.6;Momentum:-1.0;LowVol:+0.3,,8,35,5.0,hard 12%,265,30.9,Volatile,21.8,4.5,4.3,169,41,57,54,false,Rebalance,Shift +1% to bonds from equity,16,-20,BrokerC,MKT,98,None,None,Normal monitoring,45,-37,56,3,false,Tighten stops on momentum names
P1305,Cautious,Taxable,USD,2025-12-25,159308,16510,142798,1.0,38.1,33.8,11.7,16.4,HYG:24.7%;IEF:25.1%;AMZN:25.1%;QQQ:25.1%,US:55.5;EU:20.0;APAC:12.8;EM:8.2;Other:3.6,Value:-0.6;Growth:-0.2;Quality:-0.4;Size:-0.9;Momentum:+0.5;LowVol:-0.3,NoDerivatives;NoMargin,10,25,4.1,trailing 10%,106,19.2,Bull,13.3,3.9,2.3,91,20,60,35,false,Buy,Add to core equity +1%,21,3,BrokerC,MKT,94,None,None,Normal monitoring,-16,-26,61,3,false,Tighten stops on momentum names
P1306,Active,Trust,USD,2024-12-24,571782,41289,530493,1.0,66.6,27.3,0.0,6.1,BRK.B:25.0%;VNQ:25.0%;AMZN:25.0%;BND:25.0%,US:59.4;EU:20.5;APAC:10.8;EM:4.5;Other:4.9,Value:-0.4;Growth:+0.5;Quality:+0.4;Size:-0.2;Momentum:+0.4;LowVol:-0.8,,7,35,5.8,trailing 9%,130,17.8,Volatile,31.4,5.33,2.1,169,9,42,73,true,Hedge,Buy index puts 1% notional,-9,11,BrokerA,MKT,89,Drift>tolerance,Hedge,Allocation drift beyond policy bands,42,-10,24,2,false,Tighten stops on momentum names
P1307,Hands-off,401k,USD,2025-03-31,371462,34466,336996,1.0,64.5,28.0,0.2,7.3,GLD:33.3%;VOO:33.3%;MUB:33.3%,US:54.2;EU:19.1;APAC:12.7;EM:9.4;Other:4.6,Value:-0.9;Growth:+0.5;Quality:-0.5;Size:+0.5;Momentum:+0.3;LowVol:-0.8,MaxPos8%,8,35,5.3,trailing 8%,109,17.5,Bear,35.0,4.15,1.8,186,-75,9,97,true,Rebalance,Rebalance back to target bands,25,-13,BrokerD,VWAP,92,Drift>tolerance,Pause,Allocation drift beyond policy bands,21,6,116,4,false,Monitor dispersion and breadth
P1308,Active,IRA,USD,2025-02-10,2179465,138070,2041395,1.0,66.9,25.7,0.0,7.4,BRK.B:14.9%;MSFT:16.3%;HYG:20.5%;VOO:10.0%;VTI:18.3%;GLD:20.1%,US:57.9;EU:19.3;APAC:12.8;EM:5.6;Other:4.4,Value:-0.9;Growth:-0.0;Quality:+0.7;Size:-0.5;Momentum:0.0;LowVol:-0.8,NoDerivatives,5,30,5.9,trailing 9%,141,25.9,Bull,12.2,3.65,2.2,114,90,93,34,true,Hedge,Buy index puts 1% notional,14,-27,BrokerC,MKT,98,VAR>budget,Hedge,Risk above budget threshold,116,4,120,2,false,Within IPS guidelines
P1309,Cautious,Taxable,USD,2025-10-15,676968,72153,604815,1.0,36.0,30.8,20.4,12.8,BND:33.3%;BRK.B:33.3%;HYG:33.3%,US:67.9;EU:10.1;APAC:15.4;EM:4.2;Other:2.4,Value:+0.5;Growth:+0.3;Quality:-0.2;Size:-0.0;Momentum:-0.9;LowVol:-0.2,NoMargin,10,35,4.9,trailing 8%,108,18.5,Bull,17.1,4.0,2.6,111,53,77,43,false,Sell,Trim extended winner -1%,-15,-39,BrokerC,MKT,96,None,None,Normal monitoring,64,6,181,4,false,Increase defensive factor exposure
P1310,Active,Roth,USD,2024-10-02,1909952,178053,1731899,1.0,69.6,22.0,2.8,5.6,TLT:22.8%;GLD:9.8%;AAPL:22.8%;MUB:10.5%;BRK.B:22.6%;VTI:11.5%,US:63.4;EU:21.3;APAC:7.1;EM:4.0;Other:4.2,Value:+0.4;Growth:+0.5;Quality:+0.9;Size:-0.2;Momentum:+0.8;LowVol:-0.5,,6,30,5.2,hard 12%,220,20.9,Bull,15.9,4.68,2.3,96,46,71,61,false,Buy,Add to core equity +1%,25,-33,BrokerC,MKT,91,None,None,Normal monitoring,-1,-50,10,5,false,Increase defensive factor exposure
P1311,Cautious,Trust,USD,2024-09-17,834302,75570,758732,1.0,37.4,30.6,20.3,11.6,HYG:33.3%;XLF:33.3%;AMZN:33.3%,US:66.5;EU:16.5;APAC:7.6;EM:8.5;Other:1.0,Value:+0.4;Growth:-0.3;Quality:+0.3;Size:-0.2;Momentum:-1.0;LowVol:+0.7,MaxPos5%;NoMargin,7,25,3.8,hard 10%,117,17.8,Sideways,14.0,4.94,2.9,139,-29,38,33,false,Sell,Trim extended winner -1%,19,7,BrokerC,VWAP,94,None,None,Normal monitoring,10,-55,-5,4,false,Increase defensive factor exposure
P1312,Hands-off,401k,USD,2024-08-02,498406,39242,459164,1.0,58.3,28.4,6.1,7.2,XLF:33.3%;HYG:33.3%;IEF:33.3%,US:63.9;EU:18.5;APAC:12.0;EM:3.2;Other:2.3,Value:-1.0;Growth:+0.7;Quality:-0.2;Size:-0.9;Momentum:+0.1;LowVol:-0.5,,7,25,3.9,trailing 10%,101,18.7,Sideways,19.4,4.17,3.0,96,57,82,54,false,Rebalance,Shift +1% to bonds from equity,33,12,BrokerD,LMT,93,None,None,Normal monitoring,-10,-22,-30,3,false,Monitor dispersion and breadth
P1313,Cautious,401k,USD,2025-05-03,346231,46108,300123,1.0,48.5,36.9,0.2,14.4,MUB:23.1%;AAPL:21.7%;HYG:19.7%;TSLA:12.5%;VNQ:23.1%,US:76.0;EU:5.0;APAC:10.2;EM:8.0;Other:0.7,Value:+0.8;Growth:-0.7;Quality:-0.9;Size:+0.3;Momentum:-0.2;LowVol:+0.6,NoDerivatives;NoMargin,5,25,5.3,hard 10%,134,12.9,Volatile,23.4,5.09,4.0,114,-39,30,53,false,Rebalance,Shift +1% to bonds from equity,-4,-1,BrokerA,VWAP,89,None,None,Normal monitoring,-32,-19,94,3,false,Tighten stops on momentum names
P1314,Systematic,Roth,USD,2025-02-19,571873,24769,547104,1.0,66.9,24.5,2.2,6.4,XLF:18.6%;BRK.B:20.0%;MSFT:12.3%;VTI:15.9%;AMZN:13.1%;IEF:20.1%,US:62.7;EU:15.5;APAC:7.2;EM:10.7;Other:3.8,Value:-0.7;Growth:-0.9;Quality:-0.5;Size:+0.6;Momentum:-0.9;LowVol:-0.6,NoDerivatives,10,25,5.5,hard 12%,204,19.1,Sideways,18.7,4.01,3.2,138,-23,26,63,false,Buy,Add to core equity +1%,4,-24,BrokerD,VWAP,99,None,None,Normal monitoring,28,-3,119,4,false,Tax-aware sells next window
P1315,Active,Taxable,USD,2024-10-04,1592624,168111,1424513,1.21,59.6,28.3,3.2,8.9,MSFT:24.0%;AMZN:14.7%;GLD:13.6%;TSLA:24.0%;IEF:23.7%,US:70.6;EU:12.0;APAC:9.7;EM:5.4;Other:2.4,Value:+0.1;Growth:-0.3;Quality:+0.8;Size:-0.3;Momentum:-0.0;LowVol:-0.3,,8,30,4.3,trailing 8%,199,20.8,Volatile,28.6,5.44,2.8,155,-36,34,62,false,Rebalance,Shift +1% to bonds from equity,18,-16,BrokerC,MKT,96,None,None,Normal monitoring,0,-51,133,4,false,Within IPS guidelines
P1316,Opportunistic,Roth,USD,2025-08-10,657239,42016,615223,1.0,61.5,19.2,13.6,5.8,XLF:33.3%;AMZN:33.4%;QQQ:33.4%,US:62.1;EU:16.8;APAC:13.2;EM:5.0;Other:3.0,Value:+0.2;Growth:-0.8;Quality:+1.0;Size:+0.8;Momentum:-0.7;LowVol:+0.2,,5,25,6.1,trailing 9%,231,33.8,Bear,30.2,4.28,1.4,151,-82,5,83,true,Reduce,"Cut high-beta by 2-3%, add cash",16,6,BrokerC,LMT,99,Drift>tolerance,Hedge,Allocation drift beyond policy bands,84,-37,181,2,false,Increase defensive factor exposure
P1317,Systematic,IRA,USD,2025-08-23,1306818,65750,1241068,1.0,57.8,24.9,11.8,5.6,VOO:33.3%;VTI:33.3%;BND:33.3%,US:71.6;EU:5.7;APAC:8.3;EM:12.7;Other:1.7,Value:-0.9;Growth:-0.1;Quality:+0.5;Size:-0.9;Momentum:+0.9;LowVol:-0.4,NoDerivatives,8,35,5.4,trailing 9%,210,18.2,Bear,29.9,4.32,2.7,181,-61,13,68,false,Hedge,Add TLT +1% as duration hedge,-1,-34,BrokerD,MKT,91,None,None,Normal monitoring,44,-11,53,4,false,Monitor dispersion and breadth
P1318,Active,Roth,USD,2025-05-02,1926871,130519,1796352,1.0,54.6,27.7,11.6,6.1,HYG:18.5%;XLF:7.0%;GLD:10.6%;VOO:20.6%;IEF:21.6%;BND:21.6%,US:80.0;EU:8.8;APAC:6.3;EM:3.9;Other:1.0,Value:+0.3;Growth:-0.7;Quality:-0.8;Size:-0.1;Momentum:+0.5;LowVol:0.0,NoDerivatives,7,25,4.7,hard 12%,185,25.7,Bull,11.8,4.95,2.6,95,14,47,27,false,Rebalance,Shift +1% to bonds from equity,31,4,BrokerA,LMT,99,None,None,Normal monitoring,62,9,171,3,false,Tax-aware sells next window
P1319,Active,Taxable,USD,2025-09-09,2359393,153029,2206364,1.0,63.8,18.1,8.8,9.3,VTI:21.6%;TSLA:6.3%;BRK.B:15.2%;QQQ:13.6%;MUB:21.6%;MSFT:21.6%,US:75.4;EU:7.9;APAC:8.4;EM:7.9;Other:0.3,Value:+0.2;Growth:+0.4;Quality:-0.5;Size:+0.5;Momentum:0.0;LowVol:-0.8,,8,30,4.9,trailing 9%,165,27.1,Volatile,30.7,4.03,3.7,161,-3,57,80,true,Hedge,Buy index puts 1% notional,23,-26,BrokerB,LMT,87,VAR>budget,Reduce,Risk above budget threshold,70,-31,43,5,false,Within IPS guidelines
P1320,Cautious,Trust,USD,2024-10-25,548352,81801,466551,1.0,47.9,33.5,6.9,11.7,VNQ:23.3%;AMZN:25.6%;QQQ:25.6%;MSFT:25.6%,US:70.2;EU:12.2;APAC:12.1;EM:3.7;Other:1.9,Value:+0.6;Growth:-0.5;Quality:+0.3;Size:+0.1;Momentum:+0.6;LowVol:-0.3,ESGOnly;NoMargin,7,35,5.4,trailing 10%,147,16.1,Sideways,18.8,4.96,2.0,111,-6,46,41,false,Buy,Add to core equity +1%,15,-3,BrokerC,MKT,99,None,None,Normal monitoring,-11,-5,-29,5,false,Increase defensive factor exposure
P1321,Active,Roth,USD,2025-05-06,997431,62119,935312,1.18,63.9,29.9,0.0,6.2,VTI:24.6%;TSLA:24.6%;MSFT:16.2%;MUB:10.1%;XLF:24.6%,US:57.5;EU:17.6;APAC:11.4;EM:11.2;Other:2.3,Value:+1.0;Growth:+0.1;Quality:-0.9;Size:-0.9;Momentum:+0.1;LowVol:+0.5,NoDerivatives,5,30,5.7,trailing 8%,164,24.2,Volatile,24.6,4.78,4.3,156,-32,23,63,false,Rebalance,Shift +1% to bonds from equity,-10,-35,BrokerD,MKT,96,None,None,Normal monitoring,115,-23,210,4,false,Tighten stops on momentum names
P1322,Active,Trust,USD,2024-10-18,1755878,117709,1638169,1.0,58.7,32.0,3.7,5.6,BRK.B:20.5%;MUB:22.0%;XLF:13.6%;IEF:22.0%;HYG:22.0%,US:65.6;EU:18.2;APAC:9.6;EM:5.8;Other:0.8,Value:-0.7;Growth:+0.1;Quality:-0.7;Size:-0.3;Momentum:+0.6;LowVol:+0.4,MaxPos6%;NoDerivatives,5,30,4.4,trailing 9%,187,21.8,Sideways,18.1,4.05,2.6,92,40,70,42,false,Hedge,Add TLT +1% as duration hedge,-15,-26,BrokerA,LMT,96,None,None,Normal monitoring,23,-3,33,3,false,Increase defensive factor exposure
P1323,Hands-off,401k,USD,2024-09-12,597631,29842,567789,1.0,68.3,15.7,6.4,9.6,HYG:24.1%;VOO:18.0%;TSLA:28.9%;MSFT:28.9%,US:64.5;EU:10.7;APAC:9.3;EM:12.0;Other:3.6,Value:+0.1;Growth:-0.8;Quality:+0.5;Size:-1.0;Momentum:+0.6;LowVol:-0.7,ESGOnly;MaxPos7%,10,35,5.0,hard 10%,131,14.4,Sideways,20.0,3.72,3.5,123,41,57,50,false,NoAction,Within bands; monitor,-11,-9,BrokerA,VWAP,97,None,None,Normal monitoring,43,17,26,3,false,Monitor dispersion and breadth
P1324,Hands-off,Taxable,USD,2025-05-05,551516,30888,520628,1.0,71.3,17.8,3.1,7.9,IEF:33.3%;MUB:33.3%;MSFT:33.3%,US:62.5;EU:16.6;APAC:7.5;EM:10.8;Other:2.6,Value:+0.1;Growth:+0.9;Quality:-0.5;Size:-0.1;Momentum:-0.6;LowVol:+0.1,ESGOnly;MaxPos6%,10,35,3.7,hard 10%,153,12.1,Bull,14.7,4.68,2.1,87,3,41,59,true,Reduce,"Cut high-beta by 2-3%, add cash",31,13,BrokerA,LMT,88,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-33,-23,41,2,false,Tax-aware sells next window
P1325,Hands-off,Trust,USD,2024-08-19,297956,19887,278069,1.0,74.6,17.1,2.6,5.7,XLF:22.4%;AAPL:16.8%;TSLA:16.0%;QQQ:22.4%;HYG:22.4%,US:72.4;EU:14.1;APAC:7.5;EM:4.0;Other:2.0,Value:-0.3;Growth:-0.4;Quality:+0.6;Size:-0.1;Momentum:+0.6;LowVol:-0.7,NoDerivatives,7,25,4.4,trailing 8%,160,17.7,Sideways,18.5,4.34,3.0,119,-6,44,54,false,Rebalance,Shift +1% to bonds from equity,-8,-36,BrokerA,LMT,94,None,None,Normal monitoring,62,-4,89,3,false,Monitor dispersion and breadth
P1326,Active,Trust,USD,2025-02-19,1075033,67783,1007250,1.15,68.0,23.9,1.5,6.6,AMZN:20.7%;TLT:15.9%;VOO:16.0%;HYG:16.2%;QQQ:15.8%;GLD:15.4%,US:70.5;EU:9.7;APAC:6.5;EM:9.6;Other:3.7,Value:+0.2;Growth:+0.5;Quality:0.0;Size:-0.2;Momentum:-0.8;LowVol:-0.0,MaxPos6%;NoDerivatives,7,35,5.7,trailing 9%,170,25.9,Volatile,27.9,4.33,2.1,118,-1,35,77,true,Reduce,"Cut high-beta by 2-3%, add cash",16,-24,BrokerB,LMT,95,Drift>tolerance,Hedge,Allocation drift beyond policy bands,20,-49,79,4,false,Monitor dispersion and breadth
P1327,Active,Taxable,USD,2025-09-08,2346230,220917,2125313,1.0,55.5,24.1,10.8,9.5,AMZN:14.7%;XLF:22.6%;IEF:18.0%;MUB:22.2%;TLT:22.6%,US:71.2;EU:5.5;APAC:11.8;EM:9.4;Other:2.0,Value:-0.9;Growth:-0.4;Quality:+0.1;Size:-0.4;Momentum:-0.9;LowVol:0.0,MaxPos5%,6,25,4.8,trailing 9%,218,26.6,Volatile,28.9,5.2,4.3,118,22,62,70,false,Sell,Trim extended winner -1%,31,-15,BrokerC,MKT,91,None,None,Normal monitoring,89,-29,63,3,false,Monitor dispersion and breadth
P1328,Active,Roth,USD,2024-11-20,1720381,137290,1583091,1.0,66.5,20.9,4.4,8.1,GLD:13.3%;TSLA:21.8%;MUB:17.4%;MSFT:11.7%;HYG:21.8%;IEF:14.0%,US:61.9;EU:17.5;APAC:9.6;EM:7.1;Other:4.0,Value:-0.9;Growth:+0.6;Quality:+0.9;Size:-0.6;Momentum:-0.0;LowVol:+0.6,,7,35,4.9,trailing 9%,202,26.5,Bull,13.0,4.04,2.7,81,57,75,54,true,Rebalance,Rebalance back to target bands,29,-19,BrokerD,MKT,94,VAR>budget,Hedge,Risk above budget threshold,108,-32,177,5,true,Tighten stops on momentum names
P1329,Hands-off,IRA,USD,2025-03-02,563403,49998,513405,1.0,60.5,23.6,10.0,5.9,GLD:16.4%;HYG:25.3%;VNQ:13.1%;VOO:19.9%;AMZN:25.3%,US:65.7;EU:13.2;APAC:9.5;EM:9.5;Other:2.1,Value:+0.3;Growth:-0.9;Quality:+0.1;Size:-0.9;Momentum:-0.2;LowVol:+0.8,NoDerivatives,6,35,4.5,hard 10%,102,15.5,Volatile,26.5,4.25,4.0,158,-3,33,64,false,Rebalance,Shift +1% to bonds from equity,32,-26,BrokerA,LMT,97,None,None,Normal monitoring,-24,-10,74,4,false,Increase defensive factor exposure
P1330,Active,Taxable,USD,2025-09-29,2440658,166504,2274154,1.0,54.2,19.7,16.7,9.4,VOO:24.1%;TSLA:17.9%;MUB:29.0%;VNQ:29.0%,US:70.5;EU:14.7;APAC:10.7;EM:3.8;Other:0.3,Value:-0.4;Growth:+0.9;Quality:+0.5;Size:-0.5;Momentum:+0.1;LowVol:-0.2,MaxPos6%,7,30,4.0,hard 12%,170,17.0,Volatile,23.3,4.25,3.2,159,78,96,58,true,Hedge,Buy index puts 1% notional,-3,-36,BrokerA,MKT,87,Drift>tolerance,Reduce,Allocation drift beyond policy bands,13,-51,95,3,false,Increase defensive factor exposure
P1331,Systematic,Trust,USD,2025-12-12,405216,28992,376224,1.0,65.3,21.9,5.5,7.3,MUB:20.1%;IEF:20.1%;QQQ:18.9%;TLT:20.1%;VTI:20.9%,US:75.5;EU:7.7;APAC:6.4;EM:7.0;Other:3.3,Value:+0.3;Growth:+0.7;Quality:+0.2;Size:+1.0;Momentum:+0.1;LowVol:-0.5,,8,35,4.3,trailing 9%,228,27.0,Volatile,29.0,4.96,3.6,171,67,72,70,true,Hedge,Buy index puts 1% notional,-4,-1,BrokerB,MKT,94,RegimeShift,Pause,Volatility spike and breadth deterioration,116,12,131,5,false,Tax-aware sells next window
P1332,Opportunistic,Roth,USD,2025-02-26,873499,70428,803071,1.17,74.2,14.9,6.5,4.4,VTI:26.9%;AMZN:26.9%;XLF:22.4%;MSFT:23.8%,US:67.9;EU:11.1;APAC:7.2;EM:10.5;Other:3.4,Value:-0.3;Growth:-0.8;Quality:-1.0;Size:+0.1;Momentum:-0.8;LowVol:+0.1,,10,30,5.5,trailing 9%,235,29.5,Volatile,28.4,4.97,3.2,153,54,91,75,true,Reduce,"Cut high-beta by 2-3%, add cash",27,-33,BrokerD,MKT,96,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-42,-22,-14,3,false,Monitor dispersion and breadth
P1333,Hands-off,401k,USD,2025-06-04,567950,51265,516685,1.0,63.5,22.9,4.2,9.4,IEF:33.3%;MUB:33.3%;BND:33.3%,US:73.5;EU:9.0;APAC:8.6;EM:6.9;Other:1.9,Value:-0.1;Growth:-0.1;Quality:-0.8;Size:-0.4;Momentum:-0.2;LowVol:+0.5,MaxPos8%,8,25,3.4,hard 10%,115,17.1,Volatile,26.8,5.49,2.2,119,-52,14,78,true,Hedge,Buy index puts 1% notional,1,-29,BrokerB,LMT,87,Drift>tolerance,Hedge,Allocation drift beyond policy bands,59,20,135,5,false,Within IPS guidelines
P1334,Cautious,IRA,USD,2025-03-14,782044,105371,676673,1.0,43.7,43.3,1.8,11.2,MSFT:11.4%;IEF:10.8%;XLF:21.4%;AMZN:21.4%;AAPL:13.6%;TSLA:21.4%,US:66.7;EU:15.3;APAC:9.5;EM:4.2;Other:4.3,Value:+0.7;Growth:+0.2;Quality:-0.3;Size:+0.8;Momentum:+0.8;LowVol:+0.4,NoMargin,6,25,5.9,trailing 8%,122,19.8,Sideways,16.6,4.92,2.1,138,30,50,32,false,Hedge,Add TLT +1% as duration hedge,-14,-11,BrokerD,LMT,95,None,None,Normal monitoring,42,-51,31,3,false,Within IPS guidelines
P1335,Opportunistic,Trust,USD,2025-07-10,941691,37481,904210,1.0,72.0,13.6,8.7,5.8,GLD:34.9%;HYG:34.9%;IEF:30.2%,US:76.5;EU:5.7;APAC:5.4;EM:7.6;Other:4.7,Value:-0.5;Growth:-0.3;Quality:-0.6;Size:-0.6;Momentum:+0.1;LowVol:+0.1,,10,25,6.5,hard 12%,204,23.2,Volatile,23.0,4.61,3.0,172,-4,50,75,true,Rebalance,Rebalance back to target bands,4,13,BrokerA,VWAP,88,Drift>tolerance,Reduce,Allocation drift beyond policy bands,101,-41,150,4,true,Monitor dispersion and breadth
P1336,Systematic,Trust,USD,2025-12-26,1229993,80211,1149782,1.0,66.6,24.5,0.0,8.9,BND:34.1%;HYG:31.9%;VNQ:34.1%,US:65.5;EU:13.3;APAC:7.7;EM:9.6;Other:3.8,Value:-0.6;Growth:+0.9;Quality:+1.0;Size:+0.5;Momentum:-0.8;LowVol:-0.3,MaxPos6%,8,30,5.3,hard 12%,205,23.7,Volatile,29.5,4.26,4.4,152,28,71,79,true,Rebalance,Rebalance back to target bands,22,1,BrokerC,VWAP,97,Drift>tolerance,Reduce,Allocation drift beyond policy bands,89,5,82,5,true,Increase defensive factor exposure
P1337,Cautious,Taxable,USD,2025-07-03,312661,39390,273271,1.0,37.4,36.7,13.2,12.7,VNQ:12.3%;GLD:22.7%;VTI:13.0%;BRK.B:17.7%;AAPL:12.5%;TSLA:21.9%,US:59.9;EU:12.1;APAC:12.5;EM:10.9;Other:4.5,Value:-0.6;Growth:-0.2;Quality:+0.6;Size:+0.1;Momentum:-0.4;LowVol:-0.3,NoMargin,10,35,3.3,trailing 10%,90,16.1,Volatile,27.2,5.06,2.1,126,58,79,60,false,Sell,Trim extended winner -1%,34,12,BrokerD,LMT,96,None,None,Normal monitoring,28,-25,42,3,false,Within IPS guidelines
P1338,Hands-off,Taxable,USD,2024-08-21,247681,11455,236226,1.0,60.5,28.4,5.1,6.0,QQQ:25.0%;HYG:25.0%;XLF:25.0%;AAPL:25.0%,US:71.5;EU:9.9;APAC:12.5;EM:5.8;Other:0.3,Value:-1.0;Growth:-0.8;Quality:+0.3;Size:-0.1;Momentum:+0.7;LowVol:-0.8,ESGOnly,5,25,3.3,hard 10%,163,12.1,Bull,17.6,4.24,3.2,105,45,70,49,false,Buy,Add to core equity +1%,25,-22,BrokerC,MKT,85,None,None,Normal monitoring,-14,6,92,4,false,Increase defensive factor exposure
P1339,Systematic,Trust,USD,2025-09-09,1575059,73120,1501939,1.0,55.7,34.0,3.7,6.6,BRK.B:24.3%;TSLA:11.4%;HYG:24.3%;BND:22.0%;VOO:17.9%,US:60.5;EU:16.1;APAC:11.9;EM:8.2;Other:3.3,Value:-0.5;Growth:-0.7;Quality:-0.6;Size:+0.8;Momentum:-0.3;LowVol:-0.0,MaxPos7%,8,25,5.4,trailing 8%,201,24.7,Volatile,31.0,4.48,3.3,117,77,95,78,true,Rebalance,Rebalance back to target bands,7,8,BrokerB,LMT,95,Drift>tolerance,Pause,Allocation drift beyond policy bands,-2,-42,92,4,false,Within IPS guidelines
P1340,Cautious,401k,USD,2025-05-07,632820,51236,581584,1.0,35.3,37.5,15.0,12.2,GLD:33.3%;XLF:33.3%;BRK.B:33.3%,US:66.1;EU:7.1;APAC:17.5;EM:9.0;Other:0.3,Value:-0.5;Growth:-0.1;Quality:-0.0;Size:-0.2;Momentum:+0.7;LowVol:-0.1,MaxPos6%;NoDerivatives;NoMargin,5,30,3.6,trailing 10%,148,18.7,Sideways,15.4,4.33,3.3,112,-7,42,24,false,Rebalance,Shift +1% to bonds from equity,-4,11,BrokerA,MKT,87,None,None,Normal monitoring,73,-34,73,4,false,Tighten stops on momentum names
P1341,Systematic,401k,USD,2025-06-30,1820766,99682,1721084,1.0,59.9,26.9,3.8,9.4,HYG:23.2%;IEF:9.4%;MSFT:9.2%;AMZN:23.2%;VTI:11.7%;TLT:23.2%,US:61.0;EU:12.9;APAC:14.6;EM:8.9;Other:2.6,Value:+0.2;Growth:+0.7;Quality:-0.5;Size:+0.8;Momentum:+1.0;LowVol:-0.2,,10,25,5.8,trailing 8%,131,16.7,Bear,33.6,3.89,2.7,181,-97,9,82,true,Hedge,Buy index puts 1% notional,9,-13,BrokerD,VWAP,97,VAR>budget,TightenStops,Risk above budget threshold,-14,-7,-15,2,false,Monitor dispersion and breadth
P1342,Hands-off,401k,USD,2025-06-23,444944,26873,418071,1.0,66.8,26.8,0.0,6.5,GLD:19.0%;VOO:22.3%;VTI:8.9%;VNQ:14.2%;TLT:18.7%;BND:17.0%,US:61.3;EU:14.4;APAC:15.8;EM:5.8;Other:2.7,Value:+0.7;Growth:+0.9;Quality:+0.5;Size:-1.0;Momentum:+0.3;LowVol:-1.0,ESGOnly;NoDerivatives,10,30,3.7,trailing 8%,151,19.3,Bull,11.4,4.69,2.7,109,41,85,40,false,Sell,Trim extended winner -1%,-2,5,BrokerB,VWAP,88,None,None,Normal monitoring,94,-32,223,4,false,Tighten stops on momentum names
P1343,Cautious,IRA,USD,2025-01-22,465791,42343,423448,1.0,43.2,37.6,4.7,14.5,XLF:19.5%;AAPL:7.0%;AMZN:20.1%;BRK.B:20.0%;BND:15.2%;VNQ:18.3%,US:68.4;EU:6.9;APAC:9.4;EM:11.0;Other:4.3,Value:-0.4;Growth:-0.5;Quality:-0.2;Size:-0.9;Momentum:-0.3;LowVol:+0.3,NoDerivatives;NoMargin,7,25,5.0,trailing 8%,145,17.8,Volatile,24.2,4.61,4.5,147,-52,33,50,false,Buy,Add to core equity +1%,-8,-33,BrokerC,MKT,93,None,None,Normal monitoring,10,-39,91,4,false,Within IPS guidelines
P1344,Hands-off,Trust,USD,2025-08-30,740286,32501,707785,1.0,61.9,26.3,3.9,7.9,IEF:17.0%;MSFT:15.9%;HYG:18.1%;TSLA:15.4%;QQQ:16.2%;GLD:17.5%,US:60.7;EU:19.4;APAC:10.8;EM:8.3;Other:0.9,Value:+0.6;Growth:-0.7;Quality:+0.2;Size:+0.3;Momentum:+0.5;LowVol:-0.2,,8,25,4.5,trailing 10%,91,16.2,Bull,15.7,4.15,2.8,106,66,80,51,false,Rebalance,Shift +1% to bonds from equity,29,-6,BrokerD,MKT,88,None,None,Normal monitoring,21,-20,115,4,false,Tighten stops on momentum names
P1345,Cautious,Trust,USD,2024-11-16,397810,45204,352606,1.0,44.8,37.0,2.5,15.7,QQQ:33.3%;XLF:33.3%;MSFT:33.3%,US:63.9;EU:11.2;APAC:11.6;EM:9.2;Other:4.1,Value:+0.1;Growth:+0.4;Quality:-0.6;Size:+0.8;Momentum:+0.1;LowVol:-0.7,ESGOnly;MaxPos8%;NoMargin,7,35,6.0,hard 10%,106,12.7,Volatile,20.2,3.64,3.2,115,-20,34,41,false,Buy,Add to core equity +1%,5,8,BrokerC,LMT,87,None,None,Normal monitoring,20,-21,68,3,false,Tax-aware sells next window
P1346,Cautious,Roth,USD,2025-07-08,215129,33695,181434,1.0,38.8,35.4,15.7,10.1,AMZN:33.3%;TSLA:33.3%;VOO:33.3%,US:67.7;EU:7.5;APAC:12.7;EM:7.3;Other:4.8,Value:+0.6;Growth:+0.7;Quality:-0.6;Size:-0.7;Momentum:-0.1;LowVol:+0.3,NoDerivatives;NoMargin,10,30,4.1,hard 10%,135,17.2,Volatile,27.7,3.95,4.1,179,-3,39,55,false,Sell,Trim extended winner -1%,9,5,BrokerA,LMT,86,None,None,Normal monitoring,96,-25,135,4,false,Tighten stops on momentum names
P1347,Hands-off,Taxable,USD,2025-07-05,452732,23393,429339,1.0,64.7,23.4,6.0,5.9,HYG:33.3%;MSFT:33.3%;TSLA:33.3%,US:66.0;EU:12.5;APAC:12.6;EM:8.9;Other:0.1,Value:0.0;Growth:-0.9;Quality:-0.8;Size:+0.9;Momentum:-1.0;LowVol:+0.6,MaxPos7%,8,35,3.7,trailing 10%,100,16.5,Bear,26.4,4.42,1.9,143,-107,5,78,true,Reduce,"Cut high-beta by 2-3%, add cash",3,-37,BrokerA,MKT,87,Drift>tolerance,Reduce,Allocation drift beyond policy bands,44,18,158,5,false,Monitor dispersion and breadth
P1348,Active,Taxable,USD,2025-08-10,2290728,205904,2084824,1.0,57.3,31.1,5.4,6.3,MSFT:33.3%;MUB:33.3%;VOO:33.3%,US:64.2;EU:8.2;APAC:14.4;EM:11.4;Other:1.8,Value:-0.8;Growth:+0.8;Quality:-0.6;Size:-0.5;Momentum:-0.3;LowVol:-0.2,MaxPos8%,7,35,5.9,trailing 8%,147,26.1,Bull,16.2,4.77,3.0,110,38,64,36,false,Rebalance,Shift +1% to bonds from equity,17,10,BrokerA,LMT,91,None,None,Normal monitoring,31,19,31,5,false,Increase defensive factor exposure
P1349,Active,Taxable,USD,2024-07-11,1599520,123777,1475743,1.0,61.8,20.3,9.2,8.7,VOO:13.3%;VNQ:17.2%;GLD:15.4%;QQQ:15.4%;AMZN:22.2%;BND:16.6%,US:68.1;EU:10.8;APAC:11.1;EM:9.0;Other:1.0,Value:+0.8;Growth:+0.6;Quality:-1.0;Size:-0.5;Momentum:-0.3;LowVol:+0.6,,10,30,5.2,trailing 8%,170,22.0,Sideways,15.5,3.65,3.3,100,54,84,51,false,Hedge,Add TLT +1% as duration hedge,30,2,BrokerA,LMT,95,None,None,Normal monitoring,78,-42,42,5,false,Tax-aware sells next window
P1350,Hands-off,IRA,USD,2024-11-17,317235,15548,301687,1.0,66.8,20.0,7.5,5.8,BRK.B:15.3%;TSLA:12.3%;AAPL:10.6%;IEF:20.9%;GLD:20.9%;TLT:20.0%,US:60.5;EU:18.9;APAC:6.1;EM:9.8;Other:4.7,Value:+0.9;Growth:-0.4;Quality:-0.1;Size:-0.2;Momentum:-0.7;LowVol:+0.8,,8,25,3.8,trailing 8%,90,15.8,Bull,17.0,4.11,2.8,106,107,100,63,false,Sell,Trim extended winner -1%,33,-7,BrokerB,VWAP,95,None,None,Normal monitoring,117,0,232,5,false,Tax-aware sells next window
P1351,Systematic,Roth,USD,2025-06-19,1618374,78509,1539865,1.0,66.5,24.9,0.0,8.7,XLF:27.6%;VTI:27.6%;IEF:17.1%;AMZN:27.6%,US:64.8;EU:11.7;APAC:14.0;EM:4.7;Other:4.8,Value:+0.1;Growth:+0.2;Quality:+0.2;Size:-0.3;Momentum:-0.9;LowVol:-0.2,,10,25,5.5,trailing 8%,216,27.7,Bull,11.1,4.55,3.4,83,74,99,37,false,NoAction,Within bands; monitor,-10,-3,BrokerB,MKT,0,None,None,Normal monitoring,-6,-59,127,3,false,Monitor dispersion and breadth
P1352,Opportunistic,IRA,USD,2025-07-25,1399731,81939,1317792,1.0,70.0,19.1,3.7,7.2,VTI:33.3%;VOO:33.3%;MSFT:33.3%,US:59.9;EU:16.5;APAC:10.9;EM:10.6;Other:2.1,Value:-1.0;Growth:+0.1;Quality:-0.9;Size:-0.3;Momentum:-0.4;LowVol:+0.4,,6,35,6.2,trailing 7%,185,23.0,Bull,13.2,4.13,2.3,84,12,49,44,false,Rebalance,Shift +1% to bonds from equity,-15,13,BrokerA,MKT,88,None,None,Normal monitoring,-21,-35,108,5,false,Tighten stops on momentum names
P1353,Systematic,Trust,USD,2025-09-09,1206208,80772,1125436,1.0,56.4,33.5,2.7,7.5,XLF:33.3%;MUB:33.3%;BRK.B:33.3%,US:70.4;EU:13.5;APAC:7.1;EM:5.5;Other:3.5,Value:+0.6;Growth:-0.8;Quality:-0.7;Size:-0.9;Momentum:-0.1;LowVol:-0.9,,6,30,5.6,trailing 9%,207,18.8,Sideways,17.6,4.24,3.2,134,18,74,42,false,NoAction,Within bands; monitor,-1,-1,BrokerA,MKT,0,None,None,Normal monitoring,105,18,222,3,false,Increase defensive factor exposure
P1354,Systematic,401k,USD,2025-01-07,754190,75187,679003,1.0,66.0,21.5,3.9,8.6,TLT:14.9%;BND:24.0%;IEF:30.5%;VNQ:30.5%,US:67.2;EU:16.4;APAC:8.0;EM:6.2;Other:2.3,Value:-0.7;Growth:+0.4;Quality:+0.9;Size:+0.7;Momentum:+0.6;LowVol:-0.4,NoDerivatives,6,30,4.4,hard 12%,130,27.7,Bull,16.1,3.94,3.1,73,49,88,52,false,Rebalance,Shift +1% to bonds from equity,-2,13,BrokerC,LMT,86,None,None,Normal monitoring,72,-46,143,5,false,Tax-aware sells next window
P1355,Systematic,401k,USD,2025-01-17,418953,40900,378053,1.0,61.4,27.6,5.8,5.1,TSLA:33.3%;TLT:33.3%;HYG:33.3%,US:73.6;EU:8.2;APAC:9.2;EM:8.5;Other:0.5,Value:+0.4;Growth:-0.6;Quality:-0.3;Size:-0.0;Momentum:-0.7;LowVol:-1.0,MaxPos6%,7,25,4.9,trailing 8%,215,27.3,Sideways,18.7,3.86,3.4,106,60,70,50,true,Hedge,Buy index puts 1% notional,9,-34,BrokerC,MKT,93,VAR>budget,Hedge,Risk above budget threshold,105,-18,139,5,false,Tax-aware sells next window
P1356,Cautious,IRA,USD,2024-10-05,838547,68559,769988,1.0,41.1,30.4,13.8,14.7,AAPL:24.4%;VOO:24.4%;GLD:11.4%;BRK.B:24.4%;HYG:15.3%,US:68.9;EU:7.6;APAC:14.4;EM:4.9;Other:4.2,Value:+0.8;Growth:-0.3;Quality:+0.3;Size:-0.9;Momentum:-0.7;LowVol:-0.3,NoDerivatives;NoMargin,5,30,3.4,trailing 8%,150,14.7,Volatile,20.2,4.37,2.5,147,-29,39,35,false,Sell,Trim extended winner -1%,14,5,BrokerC,MKT,98,None,None,Normal monitoring,110,-54,112,4,false,Within IPS guidelines
P1357,Cautious,Taxable,USD,2025-07-12,420785,50272,370513,1.0,37.5,34.4,17.1,11.0,BRK.B:20.6%;VTI:29.6%;IEF:20.2%;MSFT:29.6%,US:73.2;EU:8.6;APAC:10.1;EM:4.0;Other:4.1,Value:+0.1;Growth:-0.7;Quality:-0.8;Size:-0.2;Momentum:-0.9;LowVol:+0.3,MaxPos7%;NoMargin,8,30,4.1,hard 10%,147,19.2,Bear,32.7,3.16,2.2,148,-4,35,77,true,Reduce,"Cut high-beta by 2-3%, add cash",25,12,BrokerB,MKT,89,Drift>tolerance,Hedge,Allocation drift beyond policy bands,59,-7,129,2,false,Within IPS guidelines
P1358,Active,IRA,USD,2025-12-26,2405159,252366,2152793,1.0,65.0,27.8,0.0,7.3,VNQ:33.3%;MSFT:33.3%;AMZN:33.3%,US:70.0;EU:13.8;APAC:8.6;EM:3.4;Other:4.1,Value:-0.7;Growth:+0.5;Quality:+0.9;Size:+0.3;Momentum:+0.1;LowVol:-0.7,MaxPos8%,5,25,5.2,trailing 8%,167,21.0,Volatile,20.1,5.28,2.7,151,42,66,57,false,Buy,Add to core equity +1%,-9,-31,BrokerC,MKT,100,None,None,Normal monitoring,19,-32,56,3,false,Increase defensive factor exposure
P1359,Hands-off,Taxable,USD,2025-10-31,763243,43471,719772,1.0,72.4,22.3,0.0,5.2,AAPL:33.3%;IEF:33.3%;VOO:33.3%,US:66.1;EU:15.2;APAC:10.8;EM:5.7;Other:2.2,Value:-0.6;Growth:+0.1;Quality:+0.4;Size:+0.8;Momentum:-0.3;LowVol:-0.6,,6,30,4.5,trailing 8%,120,19.1,Volatile,27.5,5.06,4.2,127,0,40,83,true,Hedge,Buy index puts 1% notional,32,-12,BrokerA,LMT,93,RegimeShift,Hedge,Volatility spike and breadth deterioration,40,13,142,2,false,Within IPS guidelines
P1360,Active,401k,USD,2025-07-13,903986,84903,819083,1.0,65.8,20.9,6.1,7.3,VNQ:14.0%;TLT:20.7%;IEF:23.0%;BND:23.0%;MUB:19.3%,US:68.4;EU:7.7;APAC:10.8;EM:10.4;Other:2.7,Value:+0.6;Growth:+1.0;Quality:+0.4;Size:+0.1;Momentum:-0.2;LowVol:+0.4,NoDerivatives,7,35,5.8,trailing 8%,169,27.8,Bull,17.1,3.76,2.3,99,56,66,59,false,Buy,Add to core equity +1%,-1,11,BrokerD,MKT,100,None,None,Normal monitoring,-50,-16,77,3,false,Monitor dispersion and breadth
P1361,Hands-off,401k,USD,2025-02-05,548801,39594,509207,1.0,58.2,15.9,17.1,8.7,VNQ:25.0%;IEF:25.0%;GLD:25.0%;MSFT:25.0%,US:69.1;EU:12.6;APAC:9.4;EM:5.3;Other:3.7,Value:+0.9;Growth:+0.7;Quality:-0.2;Size:+0.7;Momentum:-1.0;LowVol:+0.5,ESGOnly;MaxPos5%;NoDerivatives,10,30,4.4,hard 10%,91,19.3,Bear,27.6,4.46,1.4,134,22,72,69,false,Sell,Trim extended winner -1%,-15,-7,BrokerC,LMT,98,None,None,Normal monitoring,84,-19,181,4,false,Within IPS guidelines
P1362,Cautious,Roth,USD,2024-12-16,336867,49112,287755,1.0,42.2,33.9,11.0,12.8,VOO:27.9%;XLF:27.9%;AMZN:27.9%;BND:16.2%,US:72.5;EU:12.4;APAC:10.7;EM:4.4;Other:0.0,Value:-0.1;Growth:+0.8;Quality:-0.8;Size:-0.7;Momentum:+0.8;LowVol:-0.2,ESGOnly;NoMargin,10,30,4.2,trailing 10%,110,16.9,Bear,33.2,3.07,2.6,166,-114,5,76,true,Reduce,"Cut high-beta by 2-3%, add cash",-11,14,BrokerA,LMT,94,VAR>budget,Reduce,Risk above budget threshold,-46,-6,16,4,false,Tax-aware sells next window
P1363,Opportunistic,IRA,USD,2024-12-06,407859,12297,395562,1.0,73.6,12.2,7.8,6.4,VNQ:19.3%;MUB:23.0%;MSFT:19.5%;AAPL:17.9%;TLT:11.1%;VTI:9.2%,US:70.7;EU:12.9;APAC:9.9;EM:5.9;Other:0.6,Value:-0.5;Growth:-0.9;Quality:+0.8;Size:-0.1;Momentum:+1.0;LowVol:+0.4,MaxPos7%;NoDerivatives,8,25,6.3,trailing 9%,239,29.3,Sideways,15.9,3.7,2.1,118,34,75,53,false,Buy,Add to core equity +1%,33,-12,BrokerD,VWAP,96,None,None,Normal monitoring,-45,1,37,3,false,Tax-aware sells next window
P1364,Opportunistic,IRA,USD,2024-11-22,1124045,62546,1061499,1.21,62.2,11.7,21.7,4.5,VTI:20.5%;MSFT:12.8%;GLD:25.9%;MUB:14.9%;TSLA:25.9%,US:70.0;EU:14.9;APAC:8.8;EM:3.1;Other:3.2,Value:+0.2;Growth:-0.7;Quality:+0.9;Size:+0.7;Momentum:+0.2;LowVol:-0.1,MaxPos5%,5,25,4.5,trailing 7%,186,22.2,Volatile,31.5,5.33,3.7,135,6,66,72,true,Hedge,Buy index puts 1% notional,-13,5,BrokerB,MKT,97,VAR>budget,Hedge,Risk above budget threshold,35,5,10,5,false,Monitor dispersion and breadth
P1365,Opportunistic,IRA,USD,2025-06-23,767609,65107,702502,1.0,62.3,18.1,11.4,8.1,TSLA:21.0%;QQQ:24.8%;VOO:13.2%;MSFT:24.8%;IEF:16.3%,US:74.3;EU:5.9;APAC:11.4;EM:4.1;Other:4.3,Value:+0.7;Growth:+0.7;Quality:+0.1;Size:-0.5;Momentum:-0.5;LowVol:+0.6,NoDerivatives,6,30,4.0,trailing 9%,195,27.7,Bull,16.3,3.54,2.2,92,25,67,47,false,Buy,Add to core equity +1%,0,9,BrokerB,LMT,95,None,None,Normal monitoring,-55,2,-82,5,false,Monitor dispersion and breadth
P1366,Cautious,401k,USD,2025-01-24,163994,18530,145464,1.0,51.2,32.8,3.3,12.7,HYG:33.3%;AMZN:33.3%;TSLA:33.3%,US:67.5;EU:15.6;APAC:8.3;EM:8.2;Other:0.5,Value:-0.5;Growth:-0.6;Quality:+0.5;Size:0.0;Momentum:+0.2;LowVol:+0.6,ESGOnly;NoMargin,7,25,3.2,hard 10%,135,13.4,Bear,34.6,3.16,2.6,145,33,61,86,true,Hedge,Buy index puts 1% notional,-10,-3,BrokerC,MKT,88,VAR>budget,TightenStops,Risk above budget threshold,-58,-48,-3,3,false,Increase defensive factor exposure
P1367,Active,IRA,USD,2024-12-29,2465640,193881,2271759,1.16,58.5,29.8,5.3,6.4,VNQ:13.4%;VOO:19.1%;AAPL:23.6%;TLT:19.2%;QQQ:24.8%,US:61.9;EU:22.2;APAC:9.3;EM:3.4;Other:3.1,Value:+0.7;Growth:+0.7;Quality:-0.2;Size:-0.2;Momentum:-0.9;LowVol:0.0,,6,35,4.6,hard 12%,169,16.2,Volatile,21.4,5.34,4.1,118,-28,22,61,false,Buy,Add to core equity +1%,-15,5,BrokerD,LMT,88,None,None,Normal monitoring,6,-49,82,5,false,Monitor dispersion and breadth
P1368,Cautious,IRA,USD,2025-09-28,367244,37291,329953,1.0,42.6,31.4,10.4,15.7,BND:19.2%;AAPL:26.9%;TLT:26.9%;IEF:26.9%,US:68.3;EU:12.2;APAC:9.4;EM:9.2;Other:0.8,Value:-0.1;Growth:-0.0;Quality:-0.2;Size:+0.8;Momentum:-0.3;LowVol:+0.1,MaxPos6%;NoMargin,8,35,4.4,trailing 8%,102,18.7,Sideways,16.7,4.89,2.5,135,-7,57,38,false,Rebalance,Shift +1% to bonds from equity,11,-36,BrokerD,LMT,100,None,None,Normal monitoring,-38,7,47,3,false,Tighten stops on momentum names
P1369,Opportunistic,Taxable,USD,2025-05-14,1509724,122702,1387022,1.13,74.4,13.5,4.4,7.6,QQQ:18.5%;BND:23.0%;TSLA:23.0%;HYG:23.0%;XLF:12.6%,US:75.3;EU:8.2;APAC:5.8;EM:10.0;Other:0.8,Value:-0.5;Growth:-0.6;Quality:+0.4;Size:+0.5;Momentum:-0.3;LowVol:-0.9,MaxPos7%,5,25,4.2,trailing 7%,207,32.0,Bear,31.1,4.23,1.6,204,-71,6,95,true,Hedge,Buy index puts 1% notional,18,-4,BrokerB,LMT,89,VAR>budget,Hedge,Risk above budget threshold,96,-46,72,5,false,Tax-aware sells next window
P1370,Hands-off,401k,USD,2025-08-13,288703,23499,265204,1.0,55.5,28.6,6.2,9.7,GLD:33.3%;IEF:33.3%;TLT:33.3%,US:68.1;EU:16.3;APAC:10.5;EM:3.0;Other:2.1,Value:+1.0;Growth:+0.5;Quality:+1.0;Size:-0.2;Momentum:+0.5;LowVol:-0.8,MaxPos8%;NoDerivatives,5,30,5.7,hard 10%,143,18.7,Sideways,17.0,4.36,2.4,105,1,49,44,false,Sell,Trim extended winner -1%,-3,2,BrokerB,MKT,94,None,None,Normal monitoring,69,12,142,5,false,Tax-aware sells next window
P1371,Active,401k,USD,2025-04-04,2289018,168109,2120909,1.0,60.5,25.0,5.0,9.5,MUB:22.2%;AMZN:12.7%;TLT:22.2%;GLD:20.7%;HYG:22.2%,US:64.3;EU:11.7;APAC:11.1;EM:8.8;Other:4.1,Value:-0.7;Growth:+0.1;Quality:+0.2;Size:+0.6;Momentum:-0.9;LowVol:+0.6,MaxPos5%;NoDerivatives,5,25,5.1,trailing 8%,127,19.3,Bear,25.3,3.62,1.8,201,9,65,58,false,Sell,Trim extended winner -1%,28,-17,BrokerA,MKT,94,None,None,Normal monitoring,-8,-35,66,4,false,Increase defensive factor exposure
P1372,Systematic,401k,USD,2024-09-09,1635434,132609,1502825,1.0,66.2,23.1,3.2,7.4,QQQ:24.4%;TSLA:24.4%;IEF:24.4%;BRK.B:12.9%;AAPL:14.0%,US:76.5;EU:6.6;APAC:11.2;EM:3.5;Other:2.2,Value:+1.0;Growth:+0.3;Quality:-0.2;Size:-0.6;Momentum:+0.9;LowVol:-1.0,,6,35,5.9,trailing 8%,182,27.1,Bear,29.5,3.25,2.6,150,-68,27,77,true,Hedge,Buy index puts 1% notional,0,7,BrokerD,MKT,90,VAR>budget,Hedge,Risk above budget threshold,-29,-27,-44,2,true,Increase defensive factor exposure
P1373,Systematic,IRA,USD,2024-11-05,1164373,97174,1067199,1.0,64.5,30.7,0.0,4.8,HYG:23.2%;TSLA:23.2%;AAPL:23.2%;IEF:9.4%;VNQ:20.9%,US:66.1;EU:20.9;APAC:8.2;EM:3.5;Other:1.4,Value:-0.7;Growth:+0.7;Quality:-0.3;Size:+0.7;Momentum:+0.7;LowVol:-0.4,MaxPos6%,5,30,4.7,hard 12%,125,26.2,Sideways,18.4,4.82,2.8,124,11,55,46,false,Buy,Add to core equity +1%,-6,8,BrokerB,LMT,90,None,None,Normal monitoring,38,-31,80,4,false,Monitor dispersion and breadth
P1374,Systematic,401k,USD,2025-05-25,1922401,122396,1800005,1.0,61.0,27.3,2.0,9.7,BRK.B:20.6%;TSLA:16.0%;VOO:17.9%;IEF:9.0%;AMZN:15.3%;MSFT:21.1%,US:71.2;EU:11.2;APAC:7.8;EM:9.5;Other:0.3,Value:-0.8;Growth:+0.3;Quality:-0.0;Size:-0.1;Momentum:-0.9;LowVol:+0.1,,5,30,4.2,hard 12%,142,18.4,Bear,22.4,3.43,1.8,163,7,49,68,false,Buy,Add to core equity +1%,26,4,BrokerC,MKT,90,None,None,Normal monitoring,5,-54,60,3,false,Tighten stops on momentum names
P1375,Opportunistic,Taxable,USD,2024-11-29,751887,50497,701390,1.0,72.4,13.5,7.4,6.7,BRK.B:37.4%;VOO:37.4%;IEF:25.1%,US:65.2;EU:8.0;APAC:14.2;EM:11.6;Other:1.1,Value:0.0;Growth:-0.7;Quality:0.0;Size:+0.8;Momentum:-0.8;LowVol:-0.6,,7,25,4.2,trailing 7%,172,28.4,Bear,30.4,4.44,1.8,192,-74,23,92,true,Hedge,Buy index puts 1% notional,28,-27,BrokerD,MKT,86,RegimeShift,Hedge,Volatility spike and breadth deterioration,45,18,183,5,false,Tighten stops on momentum names
P1376,Opportunistic,401k,USD,2025-12-04,877311,58384,818927,1.0,75.4,14.4,5.6,4.6,AAPL:21.3%;QQQ:13.7%;TLT:15.8%;MUB:15.5%;HYG:12.4%;VTI:21.3%,US:65.1;EU:16.5;APAC:9.7;EM:7.1;Other:1.5,Value:+0.9;Growth:-0.1;Quality:-0.7;Size:-1.0;Momentum:0.0;LowVol:+0.5,,6,35,5.4,trailing 7%,208,31.1,Volatile,31.7,4.42,4.2,110,31,69,78,true,Rebalance,Rebalance back to target bands,7,5,BrokerA,VWAP,91,Drift>tolerance,Reduce,Allocation drift beyond policy bands,25,-60,41,5,true,Tighten stops on momentum names
P1377,Cautious,IRA,USD,2025-06-09,154609,17514,137095,1.0,42.9,42.1,0.0,15.0,VOO:13.4%;VNQ:20.7%;VTI:18.8%;BND:18.3%;BRK.B:18.2%;IEF:10.5%,US:73.7;EU:8.4;APAC:6.6;EM:7.3;Other:3.9,Value:-0.4;Growth:+0.8;Quality:-0.7;Size:-0.5;Momentum:+0.5;LowVol:+0.5,MaxPos5%;NoMargin,7,25,5.0,hard 10%,140,19.2,Sideways,18.4,4.59,3.2,139,-4,46,43,false,Hedge,Add TLT +1% as duration hedge,18,-39,BrokerD,MKT,100,None,None,Normal monitoring,20,-43,59,5,false,Tax-aware sells next window
P1378,Active,Roth,USD,2024-08-02,1343851,126364,1217487,1.12,55.1,24.0,12.0,9.0,VTI:24.3%;BRK.B:12.2%;GLD:24.3%;VOO:14.7%;XLF:24.3%,US:70.7;EU:13.6;APAC:6.8;EM:7.0;Other:1.9,Value:0.0;Growth:+0.1;Quality:-0.1;Size:-0.4;Momentum:+0.7;LowVol:+0.1,,7,30,4.7,trailing 8%,158,19.4,Bear,34.2,4.31,1.5,147,-59,15,78,true,Reduce,"Cut high-beta by 2-3%, add cash",23,-14,BrokerC,LMT,96,RegimeShift,Reduce,Volatility spike and breadth deterioration,-31,-24,-50,4,false,Monitor dispersion and breadth
P1379,Opportunistic,IRA,USD,2025-04-07,917600,46595,871005,1.0,65.1,21.1,9.5,4.3,VNQ:21.5%;AAPL:21.9%;AMZN:13.0%;TSLA:21.9%;IEF:21.9%,US:51.6;EU:18.9;APAC:13.2;EM:11.9;Other:4.4,Value:+0.5;Growth:-0.1;Quality:+0.8;Size:-0.5;Momentum:+0.4;LowVol:-0.7,NoDerivatives,5,25,5.2,trailing 7%,185,21.6,Sideways,19.4,4.83,2.8,108,22,73,66,false,Rebalance,Shift +1% to bonds from equity,16,9,BrokerA,LMT,95,None,None,Normal monitoring,60,-48,174,4,false,Tighten stops on momentum names
P1380,Opportunistic,IRA,USD,2025-06-30,1470440,78458,1391982,1.18,61.4,19.1,11.5,8.0,TLT:26.7%;AMZN:26.7%;BRK.B:23.2%;IEF:23.3%,US:63.0;EU:15.3;APAC:9.5;EM:9.6;Other:2.5,Value:-0.1;Growth:+0.6;Quality:+0.3;Size:+0.4;Momentum:+0.1;LowVol:-0.3,,7,25,4.3,trailing 9%,265,22.4,Volatile,30.8,5.19,2.8,158,31,58,79,true,Reduce,"Cut high-beta by 2-3%, add cash",-1,-28,BrokerC,MKT,85,VAR>budget,Hedge,Risk above budget threshold,-32,15,-64,5,false,Within IPS guidelines
P1381,Opportunistic,401k,USD,2025-10-27,1460984,78421,1382563,1.14,67.5,14.4,9.2,8.9,MUB:21.7%;VOO:26.1%;BRK.B:26.1%;GLD:26.1%,US:62.0;EU:14.6;APAC:14.1;EM:8.0;Other:1.3,Value:-0.1;Growth:+0.4;Quality:+0.4;Size:-0.9;Momentum:-0.9;LowVol:-0.0,,7,25,5.5,trailing 9%,256,24.9,Volatile,24.3,4.95,3.8,121,74,93,72,true,Reduce,"Cut high-beta by 2-3%, add cash",8,-39,BrokerA,LMT,96,RegimeShift,Reduce,Volatility spike and breadth deterioration,80,0,48,2,false,Increase defensive factor exposure
P1382,Opportunistic,Taxable,USD,2025-07-27,483003,43454,439549,1.0,74.1,18.1,3.8,4.1,MUB:13.3%;IEF:10.2%;AMZN:10.4%;AAPL:21.2%;VTI:22.4%;MSFT:22.4%,US:69.3;EU:11.9;APAC:8.0;EM:7.7;Other:3.0,Value:-0.4;Growth:+1.0;Quality:+0.5;Size:+0.9;Momentum:-0.4;LowVol:+0.6,,6,25,4.3,hard 12%,177,28.0,Bull,15.0,3.86,3.4,115,84,94,64,true,Hedge,Buy index puts 1% notional,-3,-11,BrokerD,MKT,87,VAR>budget,Hedge,Risk above budget threshold,-50,-1,43,4,false,Tax-aware sells next window
P1383,Active,Trust,USD,2024-08-28,1953701,122937,1830764,1.18,50.8,27.2,15.1,7.0,QQQ:24.9%;VTI:14.4%;AMZN:20.3%;TSLA:24.9%;BRK.B:15.6%,US:66.1;EU:19.6;APAC:7.2;EM:4.6;Other:2.6,Value:+0.3;Growth:+0.4;Quality:-0.4;Size:-0.3;Momentum:+1.0;LowVol:-0.5,NoDerivatives,10,30,5.8,trailing 9%,183,22.5,Volatile,27.5,3.53,3.9,166,-7,33,61,false,Sell,Trim extended winner -1%,7,10,BrokerD,MKT,95,None,None,Normal monitoring,120,6,220,4,false,Tighten stops on momentum names
P1384,Active,Roth,USD,2025-03-10,2140411,253785,1886626,1.15,61.6,23.0,10.0,5.4,TLT:17.5%;HYG:9.4%;QQQ:19.2%;IEF:17.1%;TSLA:22.2%;BRK.B:14.5%,US:68.0;EU:12.8;APAC:10.6;EM:5.6;Other:3.1,Value:+0.7;Growth:+0.9;Quality:-0.0;Size:+0.8;Momentum:+0.3;LowVol:-0.4,MaxPos5%,10,35,5.4,trailing 8%,180,24.6,Sideways,20.0,4.8,3.2,92,20,68,52,false,Buy,Add to core equity +1%,22,-32,BrokerD,LMT,86,None,None,Normal monitoring,28,-15,96,4,false,Tighten stops on momentum names
P1385,Hands-off,Trust,USD,2024-07-25,444982,41909,403073,1.0,67.4,24.9,0.0,7.7,HYG:33.3%;VTI:33.3%;MSFT:33.3%,US:69.1;EU:10.5;APAC:11.0;EM:5.9;Other:3.6,Value:+0.8;Growth:+0.2;Quality:+1.0;Size:-0.8;Momentum:-0.6;LowVol:+0.4,MaxPos7%;NoDerivatives,7,30,3.2,trailing 8%,126,17.2,Bull,11.9,4.18,3.0,82,66,92,48,false,Rebalance,Shift +1% to bonds from equity,-7,2,BrokerC,MKT,98,None,None,Normal monitoring,92,11,199,5,false,Tighten stops on momentum names
P1386,Cautious,Trust,USD,2025-01-22,534942,62398,472544,1.0,51.5,33.9,0.0,14.5,GLD:33.3%;VOO:33.3%;VTI:33.3%,US:73.9;EU:12.5;APAC:6.1;EM:4.5;Other:3.1,Value:+0.7;Growth:-0.9;Quality:+0.8;Size:-0.6;Momentum:-0.8;LowVol:-0.2,MaxPos5%;NoMargin,6,25,4.8,hard 10%,144,12.3,Sideways,16.4,3.71,2.1,117,16,59,39,false,Sell,Trim extended winner -1%,18,14,BrokerA,MKT,91,None,None,Normal monitoring,-24,-19,66,5,false,Tighten stops on momentum names
P1387,Opportunistic,Roth,USD,2024-07-17,1218144,58941,1159203,1.24,65.8,11.1,17.4,5.7,MSFT:18.2%;AAPL:18.7%;VNQ:21.6%;GLD:18.2%;TLT:15.1%;MUB:8.1%,US:56.1;EU:16.0;APAC:15.8;EM:6.9;Other:5.3,Value:-0.3;Growth:0.0;Quality:-0.7;Size:+0.6;Momentum:+0.4;LowVol:-0.2,NoDerivatives,6,25,6.1,trailing 7%,217,29.4,Volatile,26.3,4.64,3.5,174,77,88,64,false,Sell,Trim extended winner -1%,17,-18,BrokerB,LMT,96,None,None,Normal monitoring,35,-43,13,5,false,Monitor dispersion and breadth
P1388,Hands-off,Roth,USD,2024-07-07,470608,32698,437910,1.0,63.4,27.5,0.0,9.1,BND:33.3%;HYG:33.3%;QQQ:33.3%,US:69.6;EU:6.8;APAC:12.6;EM:5.0;Other:6.0,Value:+0.8;Growth:-0.4;Quality:+0.8;Size:-0.2;Momentum:+0.7;LowVol:+0.6,,8,35,3.9,trailing 8%,132,19.9,Sideways,16.0,3.66,2.0,106,23,51,47,false,Rebalance,Shift +1% to bonds from equity,21,-17,BrokerB,MKT,85,None,None,Normal monitoring,46,-44,67,4,false,Tax-aware sells next window
P1389,Active,401k,USD,2025-07-06,1293588,123196,1170392,1.0,60.9,28.7,3.4,7.0,QQQ:21.3%;VOO:17.9%;BND:18.2%;VTI:21.3%;BRK.B:21.3%,US:69.0;EU:11.6;APAC:5.9;EM:9.1;Other:4.4,Value:0.0;Growth:-0.0;Quality:-0.6;Size:-0.2;Momentum:+0.2;LowVol:-0.8,,8,25,4.6,hard 12%,203,17.1,Sideways,14.7,4.44,2.9,133,-4,55,38,false,Buy,Add to core equity +1%,20,2,BrokerD,MKT,95,None,None,Normal monitoring,44,10,14,3,false,Tax-aware sells next window
P1390,Active,Taxable,USD,2024-07-28,1925572,167547,1758025,1.0,65.7,27.9,0.0,6.4,TSLA:33.3%;BRK.B:33.3%;AMZN:33.3%,US:66.8;EU:13.6;APAC:9.0;EM:10.1;Other:0.5,Value:-0.9;Growth:-0.4;Quality:-0.6;Size:-0.9;Momentum:+0.4;LowVol:+0.9,MaxPos7%,5,30,5.1,trailing 8%,191,17.4,Bull,16.9,4.43,3.4,73,75,83,59,false,Buy,Add to core equity +1%,-4,-26,BrokerD,LMT,99,None,None,Normal monitoring,43,-49,51,5,false,Within IPS guidelines
P1391,Systematic,IRA,USD,2025-08-20,659874,56880,602994,1.0,69.2,20.9,4.6,5.3,MUB:7.4%;BND:20.7%;AMZN:20.7%;IEF:18.7%;AAPL:19.4%;QQQ:13.0%,US:72.3;EU:7.0;APAC:10.0;EM:10.1;Other:0.6,Value:+0.9;Growth:-0.9;Quality:-0.5;Size:+0.8;Momentum:-0.6;LowVol:+0.6,,5,25,4.0,trailing 8%,121,17.8,Bull,16.8,4.35,3.2,70,77,85,58,false,Rebalance,Shift +1% to bonds from equity,35,-19,BrokerA,LMT,92,None,None,Normal monitoring,90,11,184,4,false,Within IPS guidelines
P1392,Hands-off,Taxable,USD,2024-07-05,594279,57072,537207,1.0,58.7,20.9,13.8,6.6,QQQ:22.9%;TLT:22.9%;MUB:16.1%;AMZN:22.9%;VTI:15.1%,US:69.9;EU:16.9;APAC:4.7;EM:6.0;Other:2.5,Value:+0.4;Growth:+0.8;Quality:-0.1;Size:-0.7;Momentum:-0.0;LowVol:+0.4,ESGOnly,10,30,5.1,trailing 8%,134,18.3,Sideways,21.7,4.72,3.2,105,-13,41,60,false,Rebalance,Shift +1% to bonds from equity,-8,-5,BrokerB,LMT,94,None,None,Normal monitoring,46,6,173,5,false,Tighten stops on momentum names
P1393,Opportunistic,Roth,USD,2024-12-24,1522064,103561,1418503,1.12,65.6,17.3,12.5,4.6,MSFT:11.1%;BRK.B:25.4%;AAPL:25.4%;VNQ:12.6%;VTI:25.4%,US:64.2;EU:14.1;APAC:8.7;EM:8.6;Other:4.3,Value:-0.7;Growth:-0.6;Quality:+0.5;Size:-0.4;Momentum:+0.3;LowVol:-0.9,NoDerivatives,7,25,5.0,hard 12%,243,34.9,Volatile,21.1,5.3,4.0,176,76,95,51,false,Buy,Add to core equity +1%,-10,-20,BrokerA,LMT,93,None,None,Normal monitoring,44,-30,165,3,false,Monitor dispersion and breadth
P1394,Hands-off,IRA,USD,2025-03-05,352913,24428,328485,1.0,55.8,17.9,17.4,9.0,VNQ:14.0%;MUB:28.7%;QQQ:28.7%;VOO:28.7%,US:68.3;EU:9.1;APAC:10.1;EM:8.1;Other:4.4,Value:+0.2;Growth:-0.5;Quality:+0.4;Size:-0.9;Momentum:-0.1;LowVol:-0.8,,7,30,5.2,trailing 8%,111,18.2,Bear,31.5,4.29,1.6,203,-87,21,74,true,Rebalance,Rebalance back to target bands,-15,-27,BrokerC,MKT,98,Drift>tolerance,Reduce,Allocation drift beyond policy bands,88,17,77,3,false,Tighten stops on momentum names
P1395,Hands-off,Trust,USD,2025-04-07,161914,8283,153631,1.0,67.5,24.9,0.0,7.6,BRK.B:20.8%;VTI:9.1%;MSFT:17.1%;TLT:20.8%;VOO:20.8%;BND:11.2%,US:69.4;EU:12.5;APAC:6.5;EM:6.6;Other:4.9,Value:+0.2;Growth:+0.3;Quality:+0.4;Size:+0.1;Momentum:+0.5;LowVol:+1.0,MaxPos6%;NoDerivatives,8,35,4.5,trailing 8%,127,14.3,Volatile,26.7,4.34,4.1,142,80,91,72,true,Reduce,"Cut high-beta by 2-3%, add cash",16,8,BrokerB,MKT,90,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,15,-50,-18,5,false,Increase defensive factor exposure
P1396,Active,Trust,USD,2025-05-16,1027872,94485,933387,1.0,62.1,28.4,0.0,9.5,IEF:33.3%;AMZN:33.3%;VTI:33.3%,US:69.8;EU:10.1;APAC:9.7;EM:9.7;Other:0.7,Value:-0.0;Growth:+0.4;Quality:-0.3;Size:+0.1;Momentum:+0.9;LowVol:-0.5,,10,35,4.9,trailing 8%,195,21.1,Bull,16.4,4.47,2.4,116,62,71,56,true,Hedge,Buy index puts 1% notional,20,-12,BrokerB,MKT,100,VAR>budget,Pause,Risk above budget threshold,54,-46,157,2,false,Tighten stops on momentum names
P1397,Hands-off,Trust,USD,2025-09-07,679279,27780,651499,1.0,67.5,21.7,5.2,5.6,VTI:11.2%;HYG:24.4%;GLD:15.4%;MSFT:24.4%;IEF:24.4%,US:65.0;EU:11.7;APAC:11.1;EM:7.9;Other:4.3,Value:+0.1;Growth:-0.9;Quality:+0.9;Size:-0.9;Momentum:-0.8;LowVol:-0.3,,6,30,3.2,trailing 10%,119,15.4,Volatile,29.7,5.43,2.8,151,-45,26,74,true,Hedge,Buy index puts 1% notional,16,-25,BrokerB,MKT,87,VAR>budget,Reduce,Risk above budget threshold,-46,20,-10,3,false,Tax-aware sells next window
P1398,Cautious,Roth,USD,2024-09-26,714969,69603,645366,1.0,46.4,36.3,0.0,17.3,VNQ:17.7%;IEF:27.4%;HYG:27.4%;TSLA:27.4%,US:70.1;EU:16.4;APAC:8.4;EM:5.1;Other:0.0,Value:-0.3;Growth:+0.5;Quality:+0.4;Size:+0.5;Momentum:-0.2;LowVol:-0.6,MaxPos5%;NoMargin,5,25,4.7,trailing 8%,137,15.2,Sideways,18.8,4.23,2.7,118,2,62,41,false,Buy,Add to core equity +1%,31,-24,BrokerA,LMT,90,None,None,Normal monitoring,20,-17,55,5,false,Monitor dispersion and breadth
P1399,Hands-off,IRA,USD,2024-07-14,384362,25886,358476,1.0,62.7,27.8,2.0,7.4,VOO:16.7%;QQQ:23.3%;BND:13.3%;MUB:23.3%;VNQ:23.3%,US:69.8;EU:8.1;APAC:9.8;EM:9.8;Other:2.5,Value:+0.5;Growth:-0.5;Quality:+0.7;Size:-0.3;Momentum:+0.9;LowVol:+0.9,ESGOnly,5,25,5.4,trailing 8%,152,16.1,Sideways,14.3,4.27,2.1,140,52,62,55,false,Rebalance,Shift +1% to bonds from equity,-2,13,BrokerB,MKT,98,None,None,Normal monitoring,101,-30,224,4,false,Within IPS guidelines
P1400,Systematic,Trust,USD,2024-11-12,987295,72530,914765,1.0,64.4,26.2,0.0,9.4,HYG:23.1%;MSFT:23.1%;XLF:7.7%;GLD:23.1%;VTI:23.1%,US:64.0;EU:13.3;APAC:8.3;EM:8.4;Other:6.0,Value:+1.0;Growth:+0.3;Quality:-0.4;Size:-0.2;Momentum:+0.3;LowVol:+0.8,MaxPos5%;NoDerivatives,5,35,4.5,trailing 9%,170,26.2,Bear,27.5,3.88,2.4,152,-87,5,67,false,Sell,Trim extended winner -1%,5,-7,BrokerD,VWAP,86,None,None,Normal monitoring,32,-37,106,4,false,Tax-aware sells next window
P1401,Active,Taxable,USD,2025-06-29,1352031,157542,1194489,1.0,54.5,26.5,9.2,9.8,AMZN:16.1%;MSFT:21.8%;VNQ:16.1%;VOO:8.8%;XLF:21.3%;IEF:15.9%,US:71.7;EU:8.4;APAC:8.3;EM:7.3;Other:4.3,Value:-0.9;Growth:-0.9;Quality:-0.0;Size:-1.0;Momentum:+0.2;LowVol:-0.5,NoDerivatives,5,35,5.5,trailing 9%,138,21.9,Bull,11.3,4.99,2.4,85,43,62,25,false,Rebalance,Shift +1% to bonds from equity,25,-16,BrokerB,LMT,99,None,None,Normal monitoring,112,9,208,3,false,Within IPS guidelines
P1402,Active,Trust,USD,2025-11-23,1167850,70852,1096998,1.0,60.0,27.2,3.3,9.4,TLT:9.4%;BRK.B:14.7%;VNQ:11.1%;TSLA:22.8%;VOO:19.1%;QQQ:22.8%,US:70.3;EU:10.8;APAC:13.0;EM:4.0;Other:1.9,Value:-0.6;Growth:-0.0;Quality:-1.0;Size:-0.8;Momentum:-0.6;LowVol:0.0,NoDerivatives,6,30,5.8,hard 12%,135,27.2,Bull,15.9,4.47,2.3,109,57,65,43,false,Hedge,Add TLT +1% as duration hedge,2,-17,BrokerC,LMT,89,None,None,Normal monitoring,26,15,20,4,false,Tighten stops on momentum names
P1403,Cautious,Taxable,USD,2024-12-11,205205,21339,183866,1.0,42.6,32.6,10.1,14.7,MSFT:25.0%;BRK.B:25.0%;AAPL:25.0%;VTI:25.0%,US:69.8;EU:6.1;APAC:11.9;EM:7.8;Other:4.4,Value:-0.6;Growth:-0.3;Quality:-0.6;Size:+0.8;Momentum:-0.2;LowVol:-0.5,ESGOnly;MaxPos5%;NoMargin,10,25,5.1,trailing 8%,117,19.4,Bull,14.1,3.74,2.3,79,111,100,23,false,Buy,Add to core equity +1%,9,-17,BrokerB,LMT,90,None,None,Normal monitoring,-35,-4,-62,5,false,Monitor dispersion and breadth
P1404,Hands-off,IRA,USD,2025-08-25,838410,50397,788013,1.0,68.5,21.9,1.4,8.2,AAPL:33.3%;IEF:33.3%;BRK.B:33.3%,US:65.1;EU:9.3;APAC:10.8;EM:9.8;Other:5.0,Value:+0.8;Growth:+0.9;Quality:-0.4;Size:+0.7;Momentum:+0.9;LowVol:-0.8,,8,25,4.3,trailing 8%,150,12.1,Volatile,20.8,5.21,2.9,151,29,77,63,false,Rebalance,Shift +1% to bonds from equity,17,3,BrokerB,LMT,97,None,None,Normal monitoring,-40,-33,-1,3,false,Tighten stops on momentum names
P1405,Hands-off,IRA,USD,2024-08-28,302589,27856,274733,1.0,69.0,17.6,5.6,7.8,VTI:20.3%;AAPL:23.1%;XLF:16.8%;BRK.B:23.1%;VOO:16.6%,US:70.2;EU:7.3;APAC:12.4;EM:8.3;Other:1.8,Value:-0.3;Growth:-0.6;Quality:+0.2;Size:-0.0;Momentum:-1.0;LowVol:-0.0,ESGOnly,5,25,4.2,trailing 10%,166,14.9,Volatile,26.0,4.51,2.1,154,-55,15,66,false,Buy,Add to core equity +1%,10,7,BrokerB,LMT,100,None,None,Normal monitoring,12,-13,139,4,false,Tighten stops on momentum names
P1406,Active,IRA,USD,2025-07-12,546560,33693,512867,1.0,65.5,29.3,0.0,5.2,BRK.B:14.2%;AAPL:22.9%;IEF:17.0%;QQQ:22.9%;VOO:22.9%,US:70.7;EU:7.6;APAC:8.9;EM:8.6;Other:4.2,Value:0.0;Growth:+0.8;Quality:+0.2;Size:-0.1;Momentum:-0.9;LowVol:-0.4,NoDerivatives,10,25,5.4,trailing 9%,170,23.3,Sideways,18.5,4.47,2.6,103,3,59,63,false,Buy,Add to core equity +1%,-8,7,BrokerC,LMT,100,None,None,Normal monitoring,100,-40,189,4,false,Increase defensive factor exposure
P1407,Active,Roth,USD,2025-05-02,977048,61314,915734,1.0,66.1,24.5,2.8,6.6,TLT:22.7%;BND:22.7%;VOO:22.7%;VTI:19.7%;GLD:12.3%,US:69.2;EU:8.7;APAC:10.0;EM:11.0;Other:1.1,Value:-0.0;Growth:-0.1;Quality:-0.6;Size:-0.5;Momentum:+0.8;LowVol:+0.3,MaxPos5%,10,30,5.3,trailing 8%,147,23.6,Volatile,28.8,4.26,4.2,157,56,72,69,false,Rebalance,Shift +1% to bonds from equity,13,-12,BrokerB,MKT,86,None,None,Normal monitoring,-53,8,-35,5,false,Tighten stops on momentum names
P1408,Opportunistic,IRA,USD,2025-08-02,899272,52273,846999,1.0,63.0,21.4,10.8,4.8,TLT:22.5%;VTI:14.2%;HYG:22.5%;TSLA:22.5%;AMZN:18.2%,US:68.5;EU:11.1;APAC:11.4;EM:7.5;Other:1.5,Value:+0.5;Growth:-0.5;Quality:-1.0;Size:-0.0;Momentum:-0.5;LowVol:0.0,,10,25,6.6,trailing 7%,232,33.2,Bull,17.8,3.93,2.7,81,59,94,44,true,Hedge,Buy index puts 1% notional,21,13,BrokerA,LMT,96,VAR>budget,Reduce,Risk above budget threshold,-48,-10,-19,4,false,Tighten stops on momentum names
P1409,Hands-off,Taxable,USD,2025-02-04,773242,31141,742101,1.0,66.3,25.5,0.6,7.6,AAPL:12.7%;HYG:19.9%;IEF:21.4%;MSFT:16.9%;VOO:21.4%;BRK.B:7.6%,US:68.3;EU:6.8;APAC:11.5;EM:10.5;Other:2.9,Value:-0.9;Growth:-0.1;Quality:-0.8;Size:+0.2;Momentum:-0.1;LowVol:-0.9,NoDerivatives,10,30,6.0,trailing 8%,123,14.9,Sideways,18.0,4.41,3.4,122,32,76,63,false,Sell,Trim extended winner -1%,0,-2,BrokerC,LMT,86,None,None,Normal monitoring,44,-8,172,4,false,Within IPS guidelines
P1410,Systematic,Roth,USD,2025-03-26,1215480,109121,1106359,1.0,62.6,29.5,0.0,7.9,GLD:23.4%;VNQ:15.0%;MUB:23.4%;IEF:17.1%;HYG:12.1%;MSFT:8.9%,US:66.8;EU:16.9;APAC:8.4;EM:4.9;Other:3.0,Value:+0.5;Growth:+0.3;Quality:+0.9;Size:-0.9;Momentum:+0.1;LowVol:+0.2,NoDerivatives,10,25,5.4,trailing 9%,170,22.4,Volatile,22.2,5.09,2.2,146,35,53,54,false,NoAction,Within bands; monitor,-13,-5,BrokerD,LMT,98,None,None,Normal monitoring,24,-56,3,3,false,Monitor dispersion and breadth
P1411,Hands-off,Trust,USD,2025-05-30,654322,38518,615804,1.0,57.5,25.3,9.8,7.4,VTI:17.0%;TLT:19.1%;GLD:20.5%;BRK.B:16.9%;XLF:13.6%;MSFT:12.8%,US:73.7;EU:8.5;APAC:6.2;EM:8.9;Other:2.8,Value:+0.3;Growth:-0.2;Quality:+0.1;Size:+0.7;Momentum:+0.4;LowVol:+1.0,ESGOnly,6,25,3.5,trailing 8%,166,17.6,Bull,17.1,4.42,2.4,116,7,40,47,false,NoAction,Within bands; monitor,-11,-13,BrokerC,LMT,99,None,None,Normal monitoring,17,16,95,5,false,Tax-aware sells next window
P1412,Cautious,Roth,USD,2025-06-02,469447,42310,427137,1.0,36.8,40.8,10.1,12.2,XLF:15.0%;MUB:23.6%;VOO:11.6%;BRK.B:23.6%;TSLA:16.3%;VTI:10.0%,US:71.1;EU:13.2;APAC:11.1;EM:3.4;Other:1.2,Value:+0.8;Growth:-0.2;Quality:+0.5;Size:+0.5;Momentum:+0.1;LowVol:-0.0,ESGOnly;NoDerivatives;NoMargin,5,30,3.8,trailing 8%,158,12.5,Bull,12.3,3.7,2.5,87,25,68,35,false,Hedge,Add TLT +1% as duration hedge,34,-22,BrokerD,MKT,93,None,None,Normal monitoring,50,6,97,4,false,Monitor dispersion and breadth
P1413,Opportunistic,Trust,USD,2025-12-08,1299865,68567,1231298,1.24,70.5,10.1,11.9,7.5,VTI:27.9%;VOO:16.3%;XLF:27.9%;MUB:27.9%,US:66.7;EU:13.4;APAC:10.6;EM:9.0;Other:0.3,Value:+0.1;Growth:-0.4;Quality:+0.1;Size:+0.4;Momentum:+0.8;LowVol:+0.4,NoDerivatives,7,25,4.9,trailing 7%,270,20.9,Bull,12.6,4.43,3.4,120,101,95,43,false,Rebalance,Shift +1% to bonds from equity,7,-7,BrokerD,LMT,91,None,None,Normal monitoring,-49,-42,-89,5,false,Within IPS guidelines
P1414,Active,401k,USD,2025-07-05,828998,71029,757969,1.0,68.7,18.1,7.4,5.7,MSFT:33.3%;XLF:33.3%;VNQ:33.3%,US:63.9;EU:14.2;APAC:6.1;EM:13.5;Other:2.2,Value:-0.9;Growth:-0.1;Quality:0.0;Size:-0.4;Momentum:+0.4;LowVol:+1.0,,10,25,5.9,trailing 8%,154,24.3,Sideways,14.7,4.58,3.2,137,-6,52,47,false,NoAction,Within bands; monitor,-14,-2,BrokerD,MKT,0,None,None,Normal monitoring,-36,16,58,4,false,Increase defensive factor exposure
P1415,Cautious,Trust,USD,2025-07-17,622559,71099,551460,1.0,41.3,34.5,7.1,17.2,TLT:30.4%;VNQ:21.2%;IEF:17.9%;HYG:30.4%,US:63.6;EU:16.4;APAC:10.2;EM:7.9;Other:1.8,Value:-0.3;Growth:-0.8;Quality:-0.1;Size:+0.5;Momentum:-0.4;LowVol:+0.8,NoDerivatives;NoMargin,5,25,3.7,trailing 10%,96,16.5,Volatile,29.5,4.54,3.7,120,75,80,59,false,Sell,Trim extended winner -1%,29,3,BrokerC,MKT,95,None,None,Normal monitoring,38,-36,144,3,false,Monitor dispersion and breadth
P1416,Hands-off,Trust,USD,2025-07-17,729501,54825,674676,1.0,65.3,22.9,2.7,9.2,VNQ:11.1%;MUB:14.5%;VOO:17.2%;AAPL:22.0%;TLT:13.1%;QQQ:22.0%,US:65.5;EU:13.6;APAC:11.9;EM:7.5;Other:1.5,Value:-0.6;Growth:-0.5;Quality:-0.8;Size:-0.7;Momentum:-0.7;LowVol:-0.1,ESGOnly,5,30,5.4,trailing 8%,168,16.1,Sideways,17.8,4.72,3.3,125,-10,48,50,false,Hedge,Add TLT +1% as duration hedge,12,-29,BrokerB,MKT,91,None,None,Normal monitoring,-22,-52,44,3,false,Within IPS guidelines
P1417,Cautious,Roth,USD,2025-09-25,252814,21986,230828,1.0,50.3,33.3,0.0,16.3,XLF:25.2%;VOO:24.3%;MSFT:25.2%;QQQ:25.2%,US:60.8;EU:17.3;APAC:11.5;EM:10.2;Other:0.2,Value:-0.1;Growth:-0.1;Quality:-0.7;Size:+0.8;Momentum:-0.1;LowVol:-0.5,MaxPos8%;NoMargin,10,30,5.5,trailing 10%,136,15.3,Bull,18.0,4.85,2.5,77,100,87,48,false,Rebalance,Shift +1% to bonds from equity,8,-7,BrokerD,VWAP,88,None,None,Normal monitoring,106,-27,186,3,false,Increase defensive factor exposure
P1418,Cautious,IRA,USD,2025-06-28,561943,54068,507875,1.0,45.2,42.6,1.2,11.0,TSLA:33.3%;IEF:33.3%;QQQ:33.3%,US:66.2;EU:9.3;APAC:12.7;EM:7.8;Other:3.9,Value:+0.7;Growth:+0.1;Quality:-0.8;Size:+0.6;Momentum:+0.7;LowVol:+0.5,ESGOnly;NoMargin,7,35,3.3,trailing 8%,146,13.7,Sideways,21.7,3.67,2.1,113,10,57,46,false,Buy,Add to core equity +1%,26,-22,BrokerD,MKT,98,None,None,Normal monitoring,-19,-18,45,5,false,Tighten stops on momentum names
P1419,Active,Trust,USD,2025-02-13,705522,50165,655357,1.0,60.0,22.4,9.6,8.0,MUB:20.7%;VOO:22.3%;TLT:28.5%;BND:28.5%,US:61.5;EU:15.2;APAC:14.5;EM:8.1;Other:0.8,Value:-0.4;Growth:+0.9;Quality:-0.2;Size:-0.7;Momentum:-0.4;LowVol:0.0,NoDerivatives,7,30,4.2,hard 12%,153,19.2,Bear,22.2,3.36,2.0,195,-109,5,60,true,Hedge,Buy index puts 1% notional,30,7,BrokerC,VWAP,88,Drift>tolerance,Hedge,Allocation drift beyond policy bands,102,0,157,4,false,Tighten stops on momentum names
P1420,Systematic,Taxable,USD,2025-08-03,1061358,69798,991560,1.0,63.3,20.1,11.4,5.2,IEF:8.0%;BRK.B:21.3%;MSFT:21.3%;AAPL:6.9%;HYG:21.1%;MUB:21.3%,US:69.7;EU:16.3;APAC:7.1;EM:4.2;Other:2.7,Value:-0.5;Growth:-0.8;Quality:-0.6;Size:+0.4;Momentum:+0.5;LowVol:-0.7,,8,30,4.8,trailing 8%,174,16.7,Volatile,29.4,3.84,3.4,153,73,83,81,true,Hedge,Buy index puts 1% notional,1,-14,BrokerD,MKT,98,Drift>tolerance,Hedge,Allocation drift beyond policy bands,113,12,169,4,false,Tax-aware sells next window
P1421,Cautious,Taxable,USD,2025-05-16,360783,45594,315189,1.0,36.0,36.0,10.8,17.2,GLD:25.8%;VNQ:25.8%;TLT:22.5%;AMZN:25.8%,US:61.3;EU:16.9;APAC:11.8;EM:6.4;Other:3.6,Value:+0.7;Growth:-0.7;Quality:-0.4;Size:-0.3;Momentum:-0.4;LowVol:-0.1,NoDerivatives;NoMargin,5,30,4.0,trailing 8%,90,17.6,Bear,32.9,4.4,1.9,160,-60,13,58,false,Buy,Add to core equity +1%,32,-10,BrokerA,MKT,98,None,None,Normal monitoring,-6,3,54,3,false,Monitor dispersion and breadth
P1422,Hands-off,401k,USD,2025-07-21,294686,13013,281673,1.0,72.3,20.3,0.0,7.4,MSFT:14.9%;QQQ:21.5%;HYG:18.8%;BRK.B:22.4%;VTI:22.4%,US:66.1;EU:13.8;APAC:13.5;EM:4.8;Other:1.8,Value:+0.5;Growth:+0.9;Quality:+0.4;Size:-0.1;Momentum:-0.4;LowVol:-0.3,ESGOnly;MaxPos7%;NoDerivatives,5,30,5.6,hard 10%,164,15.5,Bull,11.5,4.26,2.9,74,11,46,49,false,Buy,Add to core equity +1%,32,-12,BrokerB,MKT,91,None,None,Normal monitoring,81,-6,69,5,false,Tax-aware sells next window
P1423,Hands-off,Roth,USD,2025-04-15,639973,27084,612889,1.0,68.8,15.2,8.1,8.0,VTI:19.5%;TSLA:26.8%;MSFT:26.8%;QQQ:26.8%,US:65.2;EU:7.6;APAC:14.1;EM:9.1;Other:4.1,Value:+0.5;Growth:-0.9;Quality:-0.6;Size:+0.4;Momentum:+0.2;LowVol:+0.2,ESGOnly,8,30,3.8,trailing 8%,106,15.2,Bear,22.0,4.27,1.8,139,-15,39,62,false,Buy,Add to core equity +1%,26,-1,BrokerC,MKT,89,None,None,Normal monitoring,115,-17,241,5,false,Tighten stops on momentum names
P1424,Active,Roth,USD,2025-04-10,1213124,82433,1130691,1.0,58.2,19.8,12.8,9.2,TSLA:16.5%;MUB:11.1%;BND:17.5%;BRK.B:20.3%;VTI:14.8%;XLF:19.8%,US:61.4;EU:16.7;APAC:9.2;EM:9.5;Other:3.2,Value:+0.1;Growth:+0.6;Quality:+0.6;Size:+0.7;Momentum:+0.8;LowVol:-0.5,,5,35,4.0,trailing 8%,216,20.4,Bull,14.9,5.0,3.4,87,81,84,34,false,Rebalance,Shift +1% to bonds from equity,24,-28,BrokerC,MKT,89,None,None,Normal monitoring,34,-55,169,3,false,Monitor dispersion and breadth
P1425,Active,Taxable,USD,2025-04-14,1059115,86733,972382,1.0,56.5,27.0,7.1,9.4,QQQ:20.6%;MUB:18.6%;IEF:19.5%;XLF:20.6%;VOO:20.6%,US:56.4;EU:19.7;APAC:14.3;EM:4.4;Other:5.3,Value:+1.0;Growth:-0.8;Quality:-1.0;Size:+0.8;Momentum:+0.8;LowVol:-0.6,MaxPos5%,8,35,4.9,trailing 8%,216,27.0,Volatile,28.4,3.53,2.7,141,-33,19,72,true,Hedge,Buy index puts 1% notional,6,11,BrokerB,MKT,99,RegimeShift,Reduce,Volatility spike and breadth deterioration,-28,-54,69,4,false,Tighten stops on momentum names
P1426,Systematic,Trust,USD,2024-07-29,1874026,116475,1757551,1.0,62.2,21.7,6.4,9.6,BRK.B:17.6%;IEF:22.1%;AMZN:22.1%;HYG:22.1%;BND:16.1%,US:63.7;EU:14.7;APAC:8.5;EM:9.0;Other:4.1,Value:-0.1;Growth:+0.6;Quality:-0.8;Size:+0.3;Momentum:0.0;LowVol:-0.7,,7,25,5.9,trailing 9%,127,16.3,Sideways,16.4,4.46,2.1,134,22,74,45,false,NoAction,Within bands; monitor,24,15,BrokerA,MKT,0,None,None,Normal monitoring,99,-20,221,5,false,Monitor dispersion and breadth
P1427,Active,401k,USD,2025-06-12,2316439,227261,2089178,1.0,62.6,18.8,12.4,6.2,MUB:24.2%;IEF:16.7%;TLT:19.3%;VTI:24.2%;BRK.B:15.6%,US:63.3;EU:6.6;APAC:15.0;EM:11.1;Other:4.0,Value:-0.3;Growth:-0.4;Quality:-0.4;Size:+0.3;Momentum:-0.2;LowVol:-0.2,NoDerivatives,7,25,4.0,trailing 8%,202,19.3,Sideways,18.9,4.22,2.9,90,-16,37,49,false,Buy,Add to core equity +1%,31,10,BrokerD,MKT,97,None,None,Normal monitoring,79,11,86,3,false,Within IPS guidelines
P1428,Hands-off,401k,USD,2024-11-05,570542,45559,524983,1.0,74.8,16.6,2.2,6.3,VOO:26.7%;XLF:19.9%;TLT:26.7%;BRK.B:26.7%,US:70.8;EU:9.3;APAC:8.4;EM:9.6;Other:1.9,Value:+0.7;Growth:-0.7;Quality:-0.3;Size:-0.4;Momentum:-0.1;LowVol:+0.8,ESGOnly;MaxPos6%,5,25,4.6,trailing 8%,95,14.3,Bull,13.9,4.68,3.5,99,58,82,47,false,Sell,Trim extended winner -1%,-10,-33,BrokerA,LMT,98,None,None,Normal monitoring,117,-37,140,3,false,Tax-aware sells next window
P1429,Hands-off,Roth,USD,2024-11-25,584362,44970,539392,1.0,63.7,27.5,0.0,8.8,VOO:33.3%;TLT:33.3%;VTI:33.3%,US:62.8;EU:18.6;APAC:5.5;EM:9.4;Other:3.8,Value:+0.5;Growth:+1.0;Quality:-0.0;Size:+0.2;Momentum:+0.7;LowVol:-0.1,MaxPos7%,7,25,3.5,trailing 8%,156,15.3,Bear,33.8,4.32,1.5,187,-92,12,91,true,Rebalance,Rebalance back to target bands,20,-7,BrokerD,MKT,87,Drift>tolerance,Reduce,Allocation drift beyond policy bands,81,-22,67,4,false,Tighten stops on momentum names
P1430,Active,IRA,USD,2025-01-10,628634,65260,563374,1.0,54.7,23.9,16.4,5.0,BND:17.7%;VNQ:20.9%;BRK.B:9.5%;XLF:20.9%;TSLA:11.9%;IEF:19.0%,US:64.2;EU:19.4;APAC:9.5;EM:6.0;Other:0.9,Value:-0.6;Growth:-0.8;Quality:+1.0;Size:-0.5;Momentum:0.0;LowVol:-0.6,NoDerivatives,5,30,5.9,hard 12%,200,20.1,Bull,13.3,4.18,3.1,105,89,90,32,false,Rebalance,Shift +1% to bonds from equity,35,-4,BrokerD,MKT,85,None,None,Normal monitoring,60,1,38,3,false,Tighten stops on momentum names
P1431,Opportunistic,IRA,USD,2025-04-09,1284112,112164,1171948,1.0,68.0,21.4,4.1,6.5,BRK.B:26.7%;QQQ:26.7%;IEF:26.7%;VNQ:19.9%,US:71.3;EU:6.5;APAC:8.4;EM:12.4;Other:1.5,Value:-0.9;Growth:-0.3;Quality:-0.7;Size:-0.9;Momentum:-0.2;LowVol:0.0,MaxPos6%;NoDerivatives,5,30,6.7,hard 12%,266,20.7,Sideways,15.9,4.27,2.7,110,27,75,54,false,Sell,Trim extended winner -1%,-10,-6,BrokerA,LMT,87,None,None,Normal monitoring,41,-7,60,5,false,Monitor dispersion and breadth
P1432,Active,Roth,USD,2025-11-28,1531052,140445,1390607,1.0,57.2,31.2,6.1,5.5,VOO:17.1%;HYG:18.0%;TLT:23.8%;BRK.B:17.2%;BND:23.8%,US:64.4;EU:17.3;APAC:12.4;EM:5.2;Other:0.7,Value:+1.0;Growth:+0.3;Quality:-0.4;Size:-0.8;Momentum:-0.2;LowVol:+0.3,,7,30,5.7,trailing 8%,186,21.0,Sideways,18.3,4.32,2.7,92,-24,24,46,false,Sell,Trim extended winner -1%,8,-10,BrokerA,LMT,86,None,None,Normal monitoring,105,-50,93,3,false,Within IPS guidelines
P1433,Hands-off,Roth,USD,2025-11-09,562459,25683,536776,1.0,70.5,24.4,0.0,5.1,GLD:33.3%;BND:33.3%;AAPL:33.3%,US:60.4;EU:17.7;APAC:13.4;EM:3.7;Other:4.9,Value:-0.9;Growth:-0.1;Quality:+0.6;Size:-0.9;Momentum:+0.8;LowVol:-0.9,ESGOnly,5,30,5.6,trailing 10%,150,19.5,Bull,15.0,3.98,2.3,117,50,81,61,false,Sell,Trim extended winner -1%,-1,13,BrokerB,MKT,94,None,None,Normal monitoring,109,-41,87,4,false,Tax-aware sells next window
P1434,Opportunistic,Taxable,USD,2024-07-23,470505,19581,450924,1.0,63.0,16.8,13.9,6.2,BRK.B:36.4%;AMZN:27.2%;VNQ:36.4%,US:63.8;EU:10.7;APAC:10.2;EM:11.0;Other:4.3,Value:-0.3;Growth:+0.4;Quality:+0.6;Size:-0.4;Momentum:+1.0;LowVol:+0.4,MaxPos7%;NoDerivatives,7,25,6.8,trailing 7%,187,20.9,Volatile,22.8,4.96,2.5,152,36,54,62,true,Hedge,Buy index puts 1% notional,-9,-40,BrokerA,MKT,94,RegimeShift,Reduce,Volatility spike and breadth deterioration,28,7,10,5,false,Monitor dispersion and breadth
P1435,Opportunistic,IRA,USD,2024-10-21,515763,26556,489207,1.0,67.2,20.2,3.6,9.0,BND:33.3%;MUB:33.3%;TSLA:33.3%,US:66.6;EU:10.0;APAC:16.2;EM:5.5;Other:1.7,Value:+1.0;Growth:+0.9;Quality:-0.6;Size:+0.2;Momentum:-0.3;LowVol:-0.2,MaxPos8%,5,25,6.9,trailing 7%,256,31.0,Bull,16.5,3.57,2.1,73,90,85,59,false,Buy,Add to core equity +1%,1,8,BrokerA,MKT,99,None,None,Normal monitoring,97,-30,120,3,false,Within IPS guidelines
P1436,Active,Taxable,USD,2025-10-07,2002208,214641,1787567,1.07,61.8,19.5,11.2,7.5,VNQ:24.8%;HYG:20.2%;GLD:27.5%;AMZN:27.5%,US:68.6;EU:16.6;APAC:8.3;EM:3.8;Other:2.7,Value:+0.5;Growth:-0.1;Quality:-0.8;Size:-0.2;Momentum:+0.4;LowVol:-0.8,MaxPos7%,10,30,4.8,trailing 8%,195,19.1,Bull,16.7,4.28,3.2,84,54,90,57,false,Hedge,Add TLT +1% as duration hedge,10,-5,BrokerA,MKT,92,None,None,Normal monitoring,29,-14,-10,5,false,Within IPS guidelines
P1437,Cautious,401k,USD,2025-04-25,374466,32964,341502,1.0,41.5,34.8,9.4,14.3,BND:27.6%;XLF:27.6%;AMZN:17.2%;VTI:27.6%,US:61.2;EU:15.7;APAC:10.6;EM:8.5;Other:4.0,Value:-0.8;Growth:+0.7;Quality:+0.3;Size:+0.1;Momentum:-0.1;LowVol:-1.0,NoDerivatives;NoMargin,10,35,3.2,hard 10%,167,16.6,Volatile,26.8,4.44,2.6,136,59,82,56,false,Buy,Add to core equity +1%,-3,-25,BrokerB,MKT,88,None,None,Normal monitoring,67,0,151,4,false,Within IPS guidelines
P1438,Active,Trust,USD,2024-10-20,1693060,198521,1494539,1.0,64.8,26.5,0.0,8.8,TSLA:21.5%;BND:12.8%;HYG:15.8%;AMZN:21.2%;XLF:20.5%;VOO:8.2%,US:80.6;EU:6.7;APAC:6.9;EM:4.2;Other:1.7,Value:-0.4;Growth:+0.7;Quality:+0.9;Size:-0.8;Momentum:+0.9;LowVol:-0.6,,5,35,4.0,hard 12%,146,21.5,Bull,17.0,3.69,3.4,87,10,60,48,false,Rebalance,Shift +1% to bonds from equity,-11,-26,BrokerB,VWAP,100,None,None,Normal monitoring,50,10,129,4,false,Tighten stops on momentum names
P1439,Cautious,IRA,USD,2025-11-29,776329,92501,683828,1.0,53.6,32.2,0.0,14.2,IEF:20.2%;TLT:10.2%;XLF:19.1%;MUB:13.3%;AAPL:19.4%;BRK.B:17.7%,US:65.2;EU:18.6;APAC:8.8;EM:4.2;Other:3.2,Value:-0.1;Growth:+0.7;Quality:+0.1;Size:-0.4;Momentum:-0.1;LowVol:+0.2,NoDerivatives;NoMargin,10,35,5.5,trailing 10%,118,12.1,Bull,18.0,4.8,2.4,118,83,88,38,false,Sell,Trim extended winner -1%,31,-2,BrokerA,LMT,100,None,None,Normal monitoring,-19,-13,54,4,false,Tax-aware sells next window
P1440,Cautious,401k,USD,2025-02-03,340721,53743,286978,1.0,36.8,43.8,1.5,17.8,GLD:33.3%;MSFT:33.3%;VNQ:33.3%,US:60.9;EU:18.8;APAC:12.5;EM:5.6;Other:2.1,Value:+0.3;Growth:+0.3;Quality:+0.5;Size:+0.9;Momentum:-0.9;LowVol:0.0,NoMargin,8,30,4.3,trailing 8%,92,14.7,Bull,13.0,4.06,2.6,86,82,78,28,false,Rebalance,Shift +1% to bonds from equity,16,0,BrokerA,VWAP,95,None,None,Normal monitoring,54,-44,123,3,false,Within IPS guidelines
P1441,Hands-off,401k,USD,2024-09-18,395573,22569,373004,1.0,70.3,15.3,9.2,5.1,MUB:23.8%;QQQ:25.4%;MSFT:25.4%;XLF:25.4%,US:68.8;EU:6.2;APAC:15.4;EM:6.7;Other:3.0,Value:-0.0;Growth:+0.1;Quality:+0.8;Size:+0.1;Momentum:+0.3;LowVol:+0.5,ESGOnly,10,25,6.0,trailing 10%,161,15.1,Bull,12.3,4.76,2.5,73,66,98,40,false,Buy,Add to core equity +1%,35,-39,BrokerC,LMT,89,None,None,Normal monitoring,53,-33,185,5,false,Increase defensive factor exposure
P1442,Hands-off,Roth,USD,2024-11-04,225518,16505,209013,1.0,68.0,22.9,0.0,9.1,HYG:20.9%;VNQ:18.7%;AAPL:18.6%;GLD:20.9%;TLT:20.9%,US:76.5;EU:7.6;APAC:5.9;EM:9.7;Other:0.3,Value:+0.4;Growth:+0.1;Quality:-0.7;Size:-0.7;Momentum:+0.9;LowVol:-1.0,,10,25,4.5,trailing 10%,131,12.9,Bull,13.1,3.57,3.0,99,65,92,54,true,Hedge,Buy index puts 1% notional,-2,2,BrokerD,MKT,86,VAR>budget,Pause,Risk above budget threshold,15,-21,149,4,false,Increase defensive factor exposure
P1443,Hands-off,IRA,USD,2024-07-05,167007,16286,150721,1.0,63.9,26.8,3.7,5.6,VTI:26.2%;MUB:21.3%;QQQ:26.2%;VOO:26.2%,US:64.7;EU:10.2;APAC:14.7;EM:8.9;Other:1.6,Value:-0.3;Growth:+0.6;Quality:0.0;Size:0.0;Momentum:+0.4;LowVol:0.0,ESGOnly,10,35,5.1,trailing 10%,151,19.8,Sideways,19.6,3.89,2.0,121,-20,48,63,false,Buy,Add to core equity +1%,5,-21,BrokerB,MKT,90,None,None,Normal monitoring,118,-3,243,5,false,Increase defensive factor exposure
P1444,Hands-off,IRA,USD,2024-07-22,795886,71030,724856,1.0,55.9,27.7,9.8,6.5,IEF:33.3%;VOO:33.3%;VTI:33.3%,US:62.0;EU:13.2;APAC:11.4;EM:10.0;Other:3.5,Value:+0.6;Growth:+0.8;Quality:-0.7;Size:+0.8;Momentum:+0.6;LowVol:+0.2,MaxPos8%,8,30,4.1,hard 10%,141,16.5,Bear,30.6,3.31,2.8,138,-113,5,83,true,Reduce,"Cut high-beta by 2-3%, add cash",28,4,BrokerC,LMT,92,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-15,-16,87,4,false,Increase defensive factor exposure
P1445,Cautious,Trust,USD,2024-12-18,756068,74459,681609,1.0,50.9,32.4,0.0,16.7,MSFT:11.9%;IEF:21.1%;TSLA:21.1%;TLT:17.6%;BND:21.1%;MUB:7.2%,US:61.9;EU:16.3;APAC:13.6;EM:7.8;Other:0.4,Value:-0.1;Growth:-0.4;Quality:+0.6;Size:-0.5;Momentum:+0.7;LowVol:+0.8,ESGOnly;MaxPos5%;NoMargin,8,25,3.8,trailing 8%,159,13.3,Volatile,31.5,3.85,4.1,177,65,95,73,true,Hedge,Buy index puts 1% notional,20,-12,BrokerD,MKT,92,RegimeShift,Reduce,Volatility spike and breadth deterioration,-43,-41,15,5,false,Increase defensive factor exposure
P1446,Cautious,401k,USD,2025-08-17,881410,87464,793946,1.0,43.6,34.7,7.6,14.2,TSLA:22.1%;QQQ:20.5%;AAPL:18.3%;GLD:22.1%;VNQ:17.0%,US:71.6;EU:7.6;APAC:11.0;EM:6.0;Other:3.8,Value:-0.6;Growth:+0.1;Quality:+0.5;Size:+0.3;Momentum:+0.6;LowVol:+0.3,MaxPos7%;NoDerivatives;NoMargin,10,25,5.3,trailing 10%,158,13.5,Bull,15.9,4.75,3.2,70,45,80,31,false,Sell,Trim extended winner -1%,-13,-31,BrokerD,LMT,99,None,None,Normal monitoring,95,-2,139,4,false,Within IPS guidelines
P1447,Systematic,Taxable,USD,2025-06-09,1308684,57041,1251643,1.0,56.8,21.2,14.0,8.0,HYG:21.8%;VOO:20.1%;BND:18.1%;MSFT:21.8%;IEF:18.3%,US:77.4;EU:8.9;APAC:7.5;EM:4.7;Other:1.5,Value:+0.3;Growth:-0.3;Quality:-0.6;Size:-0.7;Momentum:-0.8;LowVol:-0.2,,8,35,5.2,trailing 8%,189,18.2,Sideways,15.4,3.71,2.9,105,0,60,49,false,Buy,Add to core equity +1%,-6,5,BrokerC,MKT,89,None,None,Normal monitoring,28,-39,163,5,false,Increase defensive factor exposure
P1448,Opportunistic,401k,USD,2024-10-04,1009266,86176,923090,1.19,74.4,18.7,1.5,5.4,MUB:24.5%;IEF:21.8%;HYG:26.8%;MSFT:26.8%,US:64.5;EU:12.4;APAC:15.0;EM:4.3;Other:3.8,Value:-0.5;Growth:-0.0;Quality:-0.3;Size:+0.8;Momentum:+0.7;LowVol:-0.0,,5,25,4.2,trailing 9%,213,32.6,Bear,25.1,4.13,1.2,175,-79,23,64,false,Rebalance,Shift +1% to bonds from equity,12,-2,BrokerC,MKT,100,None,None,Normal monitoring,27,-51,151,3,false,Monitor dispersion and breadth
P1449,Opportunistic,Taxable,USD,2025-06-02,847361,46797,800564,1.0,75.9,16.2,2.7,5.2,QQQ:17.0%;HYG:19.9%;AMZN:15.0%;IEF:19.8%;GLD:20.0%;TLT:8.3%,US:63.5;EU:14.2;APAC:12.1;EM:7.9;Other:2.3,Value:+0.2;Growth:-0.2;Quality:+0.3;Size:+0.8;Momentum:+0.3;LowVol:+0.7,MaxPos7%,6,35,4.2,trailing 7%,240,21.3,Bull,13.9,4.59,2.1,94,76,93,58,false,NoAction,Within bands; monitor,33,-16,BrokerB,MKT,0,None,None,Normal monitoring,-30,-25,-29,5,false,Monitor dispersion and breadth
P1450,Opportunistic,IRA,USD,2024-12-11,643890,40340,603550,1.0,61.5,19.3,13.9,5.4,VTI:33.3%;GLD:33.3%;BND:33.3%,US:64.9;EU:7.5;APAC:13.7;EM:9.5;Other:4.4,Value:-0.3;Growth:-0.0;Quality:-0.6;Size:+0.3;Momentum:+0.1;LowVol:-0.3,,7,30,5.7,hard 12%,170,23.5,Bear,27.1,4.49,1.9,133,-40,45,66,false,Rebalance,Shift +1% to bonds from equity,-12,-26,BrokerC,MKT,98,None,None,Normal monitoring,29,-48,55,3,false,Monitor dispersion and breadth
P1451,Active,Roth,USD,2024-09-08,1531836,145018,1386818,1.0,58.6,26.0,5.9,9.5,VTI:12.3%;VOO:6.5%;QQQ:19.0%;AAPL:21.2%;BND:21.2%;XLF:19.8%,US:51.9;EU:18.0;APAC:14.7;EM:11.1;Other:4.4,Value:-0.3;Growth:+1.0;Quality:+0.2;Size:+0.9;Momentum:-0.7;LowVol:-0.1,MaxPos8%;NoDerivatives,8,25,4.2,trailing 8%,144,20.4,Bull,17.0,4.59,2.2,90,0,57,55,false,Sell,Trim extended winner -1%,18,-38,BrokerB,MKT,95,None,None,Normal monitoring,86,-28,103,5,false,Within IPS guidelines
P1452,Opportunistic,401k,USD,2025-11-02,1534273,126847,1407426,1.0,61.7,13.0,20.4,4.9,AMZN:32.0%;MSFT:34.0%;BND:34.0%,US:63.1;EU:12.8;APAC:11.8;EM:11.4;Other:0.9,Value:+0.4;Growth:-0.2;Quality:-0.1;Size:+0.5;Momentum:+0.1;LowVol:+0.9,,6,30,6.3,hard 12%,181,28.9,Volatile,24.4,5.44,2.4,177,4,62,61,false,Buy,Add to core equity +1%,14,-31,BrokerA,LMT,90,None,None,Normal monitoring,-25,-21,-14,4,false,Within IPS guidelines
P1453,Systematic,Roth,USD,2025-02-20,528899,28786,500113,1.0,60.9,29.7,0.0,9.4,BRK.B:27.6%;MUB:17.1%;XLF:27.6%;TSLA:27.6%,US:64.5;EU:15.2;APAC:11.8;EM:7.9;Other:0.6,Value:+0.1;Growth:-0.0;Quality:+0.6;Size:-0.6;Momentum:-0.5;LowVol:-0.7,,5,30,5.1,hard 12%,221,27.9,Volatile,27.7,4.45,3.1,173,-55,37,66,false,Sell,Trim extended winner -1%,35,-12,BrokerA,LMT,100,None,None,Normal monitoring,89,-49,63,4,false,Monitor dispersion and breadth
P1454,Hands-off,Roth,USD,2024-11-16,362801,29420,333381,1.0,66.6,26.8,0.0,6.6,MUB:12.6%;XLF:23.9%;GLD:23.9%;VNQ:17.9%;IEF:21.7%,US:67.1;EU:14.1;APAC:8.8;EM:8.6;Other:1.4,Value:+1.0;Growth:+0.4;Quality:+0.6;Size:-1.0;Momentum:-0.7;LowVol:-1.0,MaxPos7%,5,35,5.2,hard 10%,110,12.1,Bear,28.5,3.11,2.3,180,-65,12,68,false,Rebalance,Shift +1% to bonds from equity,5,12,BrokerB,MKT,88,None,None,Normal monitoring,-12,2,-6,5,false,Within IPS guidelines
P1455,Cautious,Trust,USD,2025-11-25,193765,22333,171432,1.0,39.4,42.9,1.6,16.1,BND:20.6%;QQQ:14.6%;VNQ:15.5%;VOO:20.6%;MUB:18.2%;TLT:10.4%,US:73.2;EU:5.2;APAC:7.5;EM:10.6;Other:3.4,Value:-0.8;Growth:-0.8;Quality:-0.4;Size:-1.0;Momentum:-0.3;LowVol:+0.2,NoMargin,5,30,4.2,trailing 10%,161,13.2,Bear,32.2,4.13,1.4,207,-59,8,70,false,Rebalance,Shift +1% to bonds from equity,-3,-18,BrokerA,VWAP,91,None,None,Normal monitoring,99,-50,188,3,false,Monitor dispersion and breadth
P1456,Cautious,IRA,USD,2025-11-03,386304,37638,348666,1.0,48.5,40.8,0.0,10.6,XLF:33.3%;GLD:33.3%;BRK.B:33.3%,US:70.7;EU:11.8;APAC:11.6;EM:5.0;Other:0.9,Value:+0.5;Growth:-0.8;Quality:+0.8;Size:-0.5;Momentum:-0.2;LowVol:-0.4,ESGOnly;NoMargin,10,30,4.3,trailing 8%,156,18.1,Bear,24.5,4.06,2.9,164,37,63,61,false,Buy,Add to core equity +1%,-12,2,BrokerA,LMT,100,None,None,Normal monitoring,32,15,41,4,false,Within IPS guidelines
P1457,Cautious,IRA,USD,2025-07-03,752534,67040,685494,1.0,43.2,38.3,7.2,11.2,GLD:33.3%;AAPL:33.3%;VNQ:33.3%,US:66.5;EU:17.3;APAC:7.1;EM:7.0;Other:2.1,Value:-0.3;Growth:-0.6;Quality:+0.9;Size:-0.6;Momentum:-0.2;LowVol:+0.2,ESGOnly;NoMargin,7,30,3.2,trailing 8%,148,18.7,Bear,30.1,3.05,1.9,143,-22,37,76,true,Hedge,Buy index puts 1% notional,10,-14,BrokerB,MKT,88,VAR>budget,Hedge,Risk above budget threshold,120,-14,112,3,true,Tax-aware sells next window
P1458,Hands-off,Roth,USD,2025-07-14,472747,30474,442273,1.0,63.8,17.8,9.0,9.4,VOO:33.7%;MSFT:33.7%;TLT:32.5%,US:60.1;EU:18.1;APAC:8.1;EM:8.2;Other:5.4,Value:-0.3;Growth:+0.6;Quality:+0.7;Size:+0.6;Momentum:+0.3;LowVol:-0.3,ESGOnly;NoDerivatives,6,35,5.9,trailing 8%,157,16.6,Bull,11.4,3.57,2.1,119,115,100,43,true,Hedge,Buy index puts 1% notional,28,-9,BrokerD,LMT,91,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-43,3,-42,3,false,Tax-aware sells next window
P1459,Active,Roth,USD,2025-10-24,2149671,211100,1938571,1.0,52.8,30.6,8.2,8.3,BRK.B:33.3%;VNQ:33.3%;QQQ:33.3%,US:65.3;EU:16.7;APAC:10.0;EM:7.3;Other:0.7,Value:-0.7;Growth:-0.1;Quality:-0.7;Size:+0.7;Momentum:-0.3;LowVol:+1.0,MaxPos5%;NoDerivatives,5,30,5.4,trailing 8%,140,25.9,Bull,16.5,4.7,2.1,84,115,100,52,false,Rebalance,Shift +1% to bonds from equity,-12,-4,BrokerA,LMT,94,None,None,Normal monitoring,-41,-35,60,3,false,Tax-aware sells next window
P1460,Hands-off,Roth,USD,2025-07-11,721926,42127,679799,1.0,62.6,16.6,15.3,5.6,BND:18.7%;VTI:13.4%;VOO:20.9%;AMZN:13.6%;GLD:12.2%;IEF:21.2%,US:56.5;EU:21.2;APAC:9.2;EM:13.1;Other:0.1,Value:-0.2;Growth:-0.9;Quality:-0.6;Size:+0.3;Momentum:+0.4;LowVol:-0.5,ESGOnly;NoDerivatives,5,25,4.3,trailing 8%,164,13.8,Bear,22.1,3.91,1.3,178,-8,50,70,true,Hedge,Buy index puts 1% notional,22,2,BrokerB,MKT,100,Drift>tolerance,Reduce,Allocation drift beyond policy bands,56,-57,134,5,false,Monitor dispersion and breadth
P1461,Hands-off,Trust,USD,2024-08-17,818821,66972,751849,1.0,67.7,27.5,0.0,4.8,HYG:13.0%;MUB:20.0%;GLD:22.6%;TLT:22.6%;AMZN:21.9%,US:68.4;EU:9.2;APAC:9.7;EM:9.9;Other:2.8,Value:-0.0;Growth:-0.6;Quality:+0.2;Size:+0.8;Momentum:-0.2;LowVol:+0.9,MaxPos7%;NoDerivatives,8,25,3.1,hard 10%,128,12.2,Bear,32.5,3.26,1.5,207,-59,7,94,true,Rebalance,Rebalance back to target bands,33,-21,BrokerC,VWAP,96,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-40,-43,92,3,true,Tighten stops on momentum names
P1462,Hands-off,IRA,USD,2025-02-20,361977,25759,336218,1.0,69.2,21.2,0.0,9.6,BRK.B:22.5%;GLD:11.5%;QQQ:22.5%;BND:22.5%;HYG:21.0%,US:72.1;EU:8.5;APAC:5.8;EM:8.4;Other:5.2,Value:+0.3;Growth:+0.1;Quality:-0.7;Size:-0.7;Momentum:-0.4;LowVol:+0.4,ESGOnly;NoDerivatives,7,25,5.0,trailing 10%,92,19.2,Volatile,23.7,4.37,3.3,174,68,75,69,false,Rebalance,Shift +1% to bonds from equity,14,-25,BrokerB,MKT,90,None,None,Normal monitoring,92,-14,119,4,false,Within IPS guidelines
P1463,Cautious,Trust,USD,2024-12-04,160768,17292,143476,1.0,47.6,41.2,0.0,11.2,MUB:13.9%;VNQ:20.7%;XLF:21.8%;TLT:21.8%;HYG:21.8%,US:69.7;EU:10.3;APAC:7.3;EM:8.5;Other:4.2,Value:+0.6;Growth:-0.7;Quality:+0.9;Size:-0.6;Momentum:-0.2;LowVol:-0.1,ESGOnly;NoMargin,8,30,3.6,trailing 8%,118,14.7,Sideways,17.1,3.52,2.4,111,-16,34,32,false,Buy,Add to core equity +1%,26,-7,BrokerC,MKT,100,None,None,Normal monitoring,18,-5,125,3,false,Monitor dispersion and breadth
P1464,Active,IRA,USD,2025-12-21,2228586,205079,2023507,1.0,51.9,28.8,10.3,9.0,VTI:25.5%;TLT:21.1%;AMZN:30.9%;TSLA:22.5%,US:69.9;EU:18.3;APAC:6.8;EM:4.7;Other:0.2,Value:+0.9;Growth:-0.0;Quality:+0.7;Size:+0.6;Momentum:-0.7;LowVol:-0.2,MaxPos8%;NoDerivatives,7,35,5.7,hard 12%,137,23.6,Bull,14.0,3.56,3.2,82,120,100,39,false,Buy,Add to core equity +1%,18,-37,BrokerC,LMT,97,None,None,Normal monitoring,102,-28,118,3,false,Increase defensive factor exposure
P1465,Active,Roth,USD,2025-04-23,2487074,249696,2237378,1.0,58.0,19.2,15.5,7.4,TLT:26.2%;VTI:21.5%;IEF:26.2%;MSFT:26.2%,US:64.6;EU:15.8;APAC:8.6;EM:10.5;Other:0.5,Value:+0.6;Growth:-1.0;Quality:+0.5;Size:-0.5;Momentum:0.0;LowVol:+1.0,MaxPos6%,6,25,5.4,trailing 8%,200,21.3,Volatile,20.9,4.75,3.5,122,13,48,57,false,Rebalance,Shift +1% to bonds from equity,32,-14,BrokerC,VWAP,85,None,None,Normal monitoring,96,-29,76,5,false,Increase defensive factor exposure
P1466,Cautious,IRA,USD,2024-10-07,241211,20594,220617,1.0,50.4,36.0,0.0,13.6,VNQ:26.8%;MUB:23.1%;MSFT:23.4%;QQQ:26.8%,US:57.5;EU:13.4;APAC:15.0;EM:10.9;Other:3.2,Value:-0.8;Growth:-1.0;Quality:-0.2;Size:+0.5;Momentum:0.0;LowVol:+0.2,ESGOnly;MaxPos6%;NoMargin,5,30,5.7,trailing 8%,93,14.8,Volatile,30.3,4.06,4.1,142,43,66,63,false,Rebalance,Shift +1% to bonds from equity,0,-31,BrokerC,MKT,92,None,None,Normal monitoring,69,-3,72,3,false,Within IPS guidelines
P1467,Hands-off,Taxable,USD,2025-09-23,879379,78452,800927,1.0,63.2,23.3,6.4,7.1,TSLA:33.3%;MUB:33.3%;VOO:33.3%,US:66.5;EU:18.1;APAC:7.7;EM:6.9;Other:0.9,Value:-0.9;Growth:+0.8;Quality:-0.5;Size:-0.8;Momentum:+0.3;LowVol:+0.9,ESGOnly;MaxPos7%,10,35,4.7,trailing 8%,135,15.4,Volatile,23.3,3.7,2.0,143,-32,26,70,false,Rebalance,Shift +1% to bonds from equity,-5,2,BrokerC,LMT,92,None,None,Normal monitoring,-8,-19,76,4,false,Tighten stops on momentum names
P1468,Systematic,Roth,USD,2024-09-12,1819541,86024,1733517,1.0,55.5,22.7,15.9,5.8,IEF:33.3%;MUB:33.3%;HYG:33.3%,US:67.5;EU:7.8;APAC:17.2;EM:4.8;Other:2.7,Value:+0.1;Growth:-0.3;Quality:-0.7;Size:+0.2;Momentum:-0.9;LowVol:-0.7,,5,30,5.2,trailing 8%,124,24.6,Volatile,28.4,4.52,2.1,119,-31,37,74,true,Hedge,Buy index puts 1% notional,2,-6,BrokerD,MKT,96,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-31,-42,85,3,false,Tighten stops on momentum names
P1469,Active,Taxable,USD,2024-10-17,2057216,231190,1826026,1.0,65.4,21.2,7.0,6.4,BRK.B:33.3%;QQQ:33.3%;MUB:33.3%,US:75.6;EU:7.8;APAC:6.0;EM:8.9;Other:1.7,Value:-0.3;Growth:+1.0;Quality:-0.7;Size:+0.2;Momentum:+0.9;LowVol:+1.0,,5,25,5.0,trailing 9%,190,20.9,Bull,11.2,4.03,3.3,104,78,78,31,false,Buy,Add to core equity +1%,20,-14,BrokerB,LMT,89,None,None,Normal monitoring,110,-13,175,4,false,Monitor dispersion and breadth
P1470,Systematic,Trust,USD,2025-06-12,1789860,150212,1639648,1.0,68.6,21.7,0.0,9.7,AAPL:21.6%;VNQ:11.9%;TSLA:22.0%;BND:22.2%;XLF:22.2%,US:57.1;EU:20.3;APAC:15.2;EM:4.7;Other:2.8,Value:+0.5;Growth:-0.9;Quality:+0.5;Size:-0.0;Momentum:+0.2;LowVol:+0.5,MaxPos6%,8,30,5.6,trailing 9%,221,27.9,Volatile,26.4,3.55,3.1,167,11,66,67,false,Sell,Trim extended winner -1%,-10,-8,BrokerD,MKT,100,None,None,Normal monitoring,-43,-44,-56,5,false,Increase defensive factor exposure
P1471,Active,Taxable,USD,2025-10-13,1503597,147204,1356393,1.14,63.7,25.2,5.0,6.0,BND:20.4%;BRK.B:27.3%;AAPL:27.3%;MUB:24.9%,US:69.2;EU:13.3;APAC:9.3;EM:5.4;Other:2.8,Value:-0.5;Growth:-0.8;Quality:-0.1;Size:-0.6;Momentum:+0.3;LowVol:+0.7,MaxPos5%,10,35,4.4,hard 12%,152,17.7,Volatile,27.7,4.87,2.1,121,47,86,73,true,Hedge,Buy index puts 1% notional,-13,-31,BrokerD,MKT,91,VAR>budget,Hedge,Risk above budget threshold,40,-10,62,3,false,Monitor dispersion and breadth
P1472,Active,Taxable,USD,2025-06-28,710645,57173,653472,1.0,66.3,20.1,6.4,7.2,XLF:33.3%;BND:33.3%;QQQ:33.3%,US:56.2;EU:17.4;APAC:13.9;EM:11.6;Other:0.8,Value:-0.6;Growth:+0.4;Quality:+0.7;Size:+0.6;Momentum:+0.2;LowVol:+0.9,NoDerivatives,7,30,4.2,trailing 9%,159,17.1,Bull,13.8,4.25,2.8,118,94,100,38,false,Buy,Add to core equity +1%,26,-6,BrokerC,LMT,96,None,None,Normal monitoring,56,-41,182,5,false,Increase defensive factor exposure
P1473,Active,Taxable,USD,2025-06-13,1647631,104564,1543067,1.0,69.1,19.1,6.8,5.1,VOO:25.3%;QQQ:25.3%;AMZN:25.3%;TSLA:24.2%,US:53.4;EU:17.1;APAC:13.2;EM:11.4;Other:4.8,Value:-0.5;Growth:+0.4;Quality:-0.5;Size:-0.0;Momentum:-0.5;LowVol:-0.2,,6,30,5.0,trailing 8%,133,23.5,Volatile,23.1,3.66,2.6,157,-40,39,57,false,Sell,Trim extended winner -1%,-7,-29,BrokerD,LMT,91,None,None,Normal monitoring,-27,19,61,4,false,Monitor dispersion and breadth
P1474,Opportunistic,Taxable,USD,2025-05-17,1660626,70984,1589642,1.06,75.2,14.5,1.6,8.8,VTI:7.9%;HYG:23.2%;VNQ:23.2%;BND:12.6%;MUB:12.4%;MSFT:20.6%,US:70.4;EU:7.0;APAC:15.7;EM:4.3;Other:2.7,Value:+0.1;Growth:-0.8;Quality:-0.5;Size:-0.1;Momentum:+0.8;LowVol:+0.4,,8,30,5.3,trailing 9%,246,28.3,Bear,25.5,3.48,2.3,157,-108,5,68,false,Rebalance,Shift +1% to bonds from equity,16,-1,BrokerD,LMT,93,None,None,Normal monitoring,39,-34,124,3,false,Increase defensive factor exposure
P1475,Opportunistic,Taxable,USD,2024-12-13,1042823,32396,1010427,1.0,68.8,14.1,12.4,4.7,HYG:35.2%;BND:29.5%;MUB:35.2%,US:68.2;EU:14.5;APAC:7.7;EM:8.7;Other:0.9,Value:-1.0;Growth:+0.2;Quality:+0.7;Size:-0.8;Momentum:+0.6;LowVol:+0.7,MaxPos5%;NoDerivatives,10,25,4.4,hard 12%,214,25.9,Sideways,16.7,4.02,3.3,128,-7,52,64,true,Reduce,"Cut high-beta by 2-3%, add cash",26,-20,BrokerB,LMT,86,RegimeShift,Hedge,Volatility spike and breadth deterioration,27,-54,139,5,false,Within IPS guidelines
P1476,Opportunistic,Trust,USD,2025-07-08,1798455,135056,1663399,1.0,72.9,16.5,4.3,6.4,BND:20.7%;VTI:20.7%;VNQ:12.0%;TLT:20.3%;IEF:20.1%;HYG:6.2%,US:66.7;EU:11.6;APAC:7.5;EM:10.1;Other:4.2,Value:-0.9;Growth:-0.5;Quality:+0.7;Size:+0.5;Momentum:-0.4;LowVol:+0.2,NoDerivatives,6,30,6.9,trailing 7%,261,34.8,Bull,15.4,3.72,3.2,101,31,51,54,false,Sell,Trim extended winner -1%,-14,-2,BrokerC,LMT,88,None,None,Normal monitoring,-5,-26,88,5,false,Increase defensive factor exposure
P1477,Active,Roth,USD,2025-08-08,1736417,183779,1552638,1.07,64.7,22.3,7.5,5.5,GLD:22.3%;BND:21.0%;VOO:22.3%;AMZN:12.2%;AAPL:22.3%,US:67.4;EU:16.8;APAC:9.2;EM:3.5;Other:3.0,Value:-0.4;Growth:-0.3;Quality:-0.9;Size:+0.1;Momentum:+0.8;LowVol:-0.4,MaxPos8%;NoDerivatives,6,30,5.2,trailing 8%,188,27.7,Volatile,29.9,4.63,4.4,146,-9,40,85,true,Reduce,"Cut high-beta by 2-3%, add cash",4,-38,BrokerA,MKT,94,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,64,-8,164,3,false,Tax-aware sells next window
P1478,Active,IRA,USD,2025-08-27,1074293,118465,955828,1.0,69.8,19.9,0.6,9.7,AAPL:21.3%;BRK.B:22.0%;TSLA:22.0%;HYG:22.0%;GLD:12.7%,US:77.3;EU:6.2;APAC:9.4;EM:4.5;Other:2.6,Value:+0.6;Growth:+0.3;Quality:-0.2;Size:-0.8;Momentum:+0.5;LowVol:+0.2,MaxPos8%,8,25,5.0,trailing 9%,141,22.2,Volatile,26.5,5.49,4.2,174,26,51,81,true,Hedge,Buy index puts 1% notional,22,-40,BrokerB,MKT,97,RegimeShift,Reduce,Volatility spike and breadth deterioration,78,-50,200,2,false,Monitor dispersion and breadth
P1479,Hands-off,Trust,USD,2024-08-17,696840,68289,628551,1.0,60.8,29.8,2.3,7.0,TSLA:33.3%;TLT:33.3%;MUB:33.3%,US:65.4;EU:12.0;APAC:11.3;EM:7.4;Other:3.8,Value:+0.7;Growth:-0.5;Quality:-0.6;Size:-0.9;Momentum:+0.9;LowVol:-0.5,NoDerivatives,7,30,5.0,hard 10%,95,14.2,Volatile,27.1,4.45,3.4,161,18,53,63,false,Buy,Add to core equity +1%,6,14,BrokerA,LMT,94,None,None,Normal monitoring,-54,-8,-23,4,false,Tax-aware sells next window
P1480,Hands-off,IRA,USD,2025-09-04,627136,42165,584971,1.0,59.5,16.6,17.4,6.5,TSLA:22.6%;VOO:17.3%;TLT:14.9%;BRK.B:22.6%;MUB:22.6%,US:60.5;EU:14.2;APAC:16.8;EM:7.5;Other:1.0,Value:+0.5;Growth:-0.8;Quality:+0.5;Size:-1.0;Momentum:-0.8;LowVol:+0.7,ESGOnly;MaxPos5%;NoDerivatives,5,35,4.9,trailing 8%,138,17.1,Bear,25.5,3.69,2.9,165,39,61,71,true,Reduce,"Cut high-beta by 2-3%, add cash",24,-26,BrokerB,MKT,85,VAR>budget,Reduce,Risk above budget threshold,-21,-10,33,2,false,Tighten stops on momentum names
P1481,Cautious,Taxable,USD,2024-08-06,555979,58080,497899,1.0,43.3,36.4,3.5,16.9,AMZN:22.2%;MUB:25.6%;XLF:14.2%;QQQ:25.6%;BRK.B:12.3%,US:65.7;EU:14.9;APAC:10.9;EM:7.9;Other:0.7,Value:-0.7;Growth:0.0;Quality:+0.7;Size:+0.4;Momentum:+0.2;LowVol:-0.5,NoMargin,8,25,3.9,trailing 8%,115,17.9,Bull,16.8,4.24,2.8,93,28,51,36,false,Sell,Trim extended winner -1%,-6,-15,BrokerD,LMT,100,None,None,Normal monitoring,74,-58,54,3,false,Increase defensive factor exposure
P1482,Systematic,401k,USD,2024-10-31,879367,74116,805251,1.0,55.3,28.1,9.5,7.0,XLF:24.2%;HYG:24.2%;BND:15.9%;QQQ:16.9%;VNQ:8.7%;AMZN:10.2%,US:70.5;EU:8.9;APAC:10.0;EM:8.8;Other:1.9,Value:+0.1;Growth:-0.9;Quality:-1.0;Size:+0.5;Momentum:+0.7;LowVol:-0.5,,6,30,4.1,hard 12%,182,27.1,Sideways,15.7,4.92,3.0,135,-27,22,39,false,Rebalance,Shift +1% to bonds from equity,-13,11,BrokerA,MKT,88,None,None,Normal monitoring,77,-60,104,4,false,Increase defensive factor exposure
P1483,Hands-off,401k,USD,2025-03-24,564602,46532,518070,1.0,67.5,24.1,0.0,8.3,QQQ:16.1%;HYG:15.8%;MUB:22.7%;XLF:22.7%;MSFT:22.7%,US:69.4;EU:16.8;APAC:5.9;EM:3.6;Other:4.3,Value:-0.7;Growth:-0.8;Quality:-0.6;Size:-0.7;Momentum:-0.3;LowVol:+0.3,ESGOnly;MaxPos8%,10,35,5.3,hard 10%,114,16.6,Volatile,31.0,4.64,3.0,137,77,99,92,true,Hedge,Buy index puts 1% notional,9,-14,BrokerB,MKT,94,RegimeShift,TightenStops,Volatility spike and breadth deterioration,6,-17,85,2,false,Monitor dispersion and breadth
P1484,Systematic,Taxable,USD,2025-04-05,1799667,116148,1683519,1.0,61.9,29.2,0.0,8.9,BND:33.3%;TSLA:33.3%;BRK.B:33.3%,US:69.5;EU:8.2;APAC:14.3;EM:4.7;Other:3.3,Value:-0.1;Growth:+0.8;Quality:+0.1;Size:+0.9;Momentum:+0.8;LowVol:-0.4,MaxPos6%,6,25,5.5,trailing 8%,120,16.4,Volatile,27.6,4.87,3.3,154,-26,52,77,true,Reduce,"Cut high-beta by 2-3%, add cash",16,13,BrokerB,VWAP,86,VAR>budget,Hedge,Risk above budget threshold,-22,16,46,3,false,Tighten stops on momentum names
P1485,Cautious,Trust,USD,2025-05-13,467784,54134,413650,1.0,38.9,31.9,13.7,15.5,QQQ:27.7%;MUB:20.6%;TSLA:27.7%;HYG:24.1%,US:68.6;EU:15.8;APAC:6.1;EM:6.8;Other:2.7,Value:+0.4;Growth:-0.7;Quality:-0.4;Size:+0.2;Momentum:-0.9;LowVol:+0.9,NoMargin,5,30,4.1,trailing 8%,153,17.2,Sideways,18.8,4.92,2.3,113,-27,36,31,false,Rebalance,Shift +1% to bonds from equity,35,-22,BrokerB,MKT,89,None,None,Normal monitoring,19,13,138,5,false,Tighten stops on momentum names
P1486,Hands-off,IRA,USD,2025-11-15,509784,31434,478350,1.0,57.3,19.0,16.8,6.9,VTI:27.6%;BND:27.6%;TLT:22.5%;AAPL:22.3%,US:69.9;EU:7.0;APAC:13.0;EM:10.0;Other:0.1,Value:-0.3;Growth:+0.1;Quality:-0.6;Size:-0.7;Momentum:+0.5;LowVol:+0.1,MaxPos8%,8,25,4.5,hard 10%,110,17.5,Bear,23.9,3.51,1.1,196,-99,5,59,false,Rebalance,Shift +1% to bonds from equity,-12,-5,BrokerC,LMT,86,None,None,Normal monitoring,93,-52,140,5,false,Monitor dispersion and breadth
P1487,Cautious,Roth,USD,2025-10-12,886283,98788,787495,1.0,47.6,38.2,0.0,14.2,VNQ:25.3%;MUB:25.3%;GLD:24.2%;AMZN:25.3%,US:58.6;EU:17.4;APAC:12.6;EM:9.0;Other:2.5,Value:+0.8;Growth:-0.7;Quality:+0.4;Size:+0.2;Momentum:+0.6;LowVol:+1.0,MaxPos8%;NoMargin,10,35,4.3,hard 10%,161,16.2,Bull,14.8,4.15,2.7,87,2,40,30,false,Hedge,Add TLT +1% as duration hedge,31,-39,BrokerC,LMT,91,None,None,Normal monitoring,23,6,23,5,false,Monitor dispersion and breadth
P1488,Hands-off,Trust,USD,2024-09-17,304282,30030,274252,1.0,70.7,21.8,0.0,7.6,MUB:20.8%;BRK.B:8.2%;AAPL:18.8%;MSFT:15.9%;BND:15.5%;VOO:20.8%,US:59.1;EU:14.1;APAC:16.2;EM:5.1;Other:5.5,Value:-0.2;Growth:-0.1;Quality:-0.8;Size:-0.9;Momentum:+0.2;LowVol:+0.7,ESGOnly;MaxPos8%;NoDerivatives,5,35,4.5,trailing 8%,111,14.0,Volatile,26.6,4.84,4.1,178,-19,38,69,false,Rebalance,Shift +1% to bonds from equity,-5,-4,BrokerD,MKT,89,None,None,Normal monitoring,23,16,-2,3,false,Increase defensive factor exposure
P1489,Systematic,Taxable,USD,2025-04-02,1660382,76187,1584195,1.0,57.5,26.2,9.2,7.0,MUB:28.4%;HYG:28.4%;VOO:28.4%;TLT:14.9%,US:73.2;EU:8.1;APAC:10.0;EM:5.6;Other:3.1,Value:-0.4;Growth:-0.6;Quality:+0.5;Size:0.0;Momentum:-0.8;LowVol:+0.1,,6,25,5.5,trailing 9%,136,21.6,Volatile,30.9,5.46,2.1,167,58,78,71,true,Reduce,"Cut high-beta by 2-3%, add cash",16,2,BrokerC,MKT,98,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-48,-17,-55,5,false,Within IPS guidelines
P1490,Cautious,Taxable,USD,2025-07-16,354544,47557,306987,1.0,50.8,34.9,0.0,14.3,AMZN:28.9%;TLT:22.3%;IEF:19.9%;HYG:28.9%,US:75.3;EU:10.5;APAC:8.0;EM:5.4;Other:0.8,Value:+0.8;Growth:+1.0;Quality:-0.2;Size:+0.5;Momentum:+0.4;LowVol:-0.7,MaxPos5%;NoMargin,5,35,5.6,hard 10%,133,16.0,Bear,29.2,3.62,1.9,202,-104,8,66,false,Buy,Add to core equity +1%,-6,-8,BrokerB,MKT,96,None,None,Normal monitoring,37,14,123,4,false,Increase defensive factor exposure
P1491,Cautious,Taxable,USD,2025-03-13,772606,106435,666171,1.0,44.7,31.0,8.6,15.7,IEF:21.7%;XLF:8.1%;VNQ:19.1%;VOO:16.3%;BND:21.7%;GLD:13.0%,US:70.9;EU:7.9;APAC:13.7;EM:7.3;Other:0.2,Value:0.0;Growth:-0.8;Quality:-0.9;Size:+0.7;Momentum:+0.9;LowVol:-0.5,MaxPos7%;NoDerivatives;NoMargin,6,25,3.5,trailing 8%,124,17.9,Sideways,19.8,3.59,3.2,137,54,65,56,false,Rebalance,Shift +1% to bonds from equity,5,-24,BrokerC,LMT,94,None,None,Normal monitoring,76,-19,194,4,false,Within IPS guidelines
P1492,Active,Roth,USD,2025-02-12,1543799,136058,1407741,1.0,67.8,22.8,3.5,5.8,VOO:19.3%;BRK.B:18.7%;QQQ:9.7%;TSLA:21.5%;VNQ:9.3%;TLT:21.5%,US:67.8;EU:11.1;APAC:11.7;EM:6.2;Other:3.1,Value:-0.4;Growth:-0.9;Quality:+0.4;Size:-0.3;Momentum:-0.6;LowVol:+1.0,MaxPos5%,6,35,5.3,trailing 8%,177,27.2,Volatile,27.5,4.98,3.3,123,70,98,65,false,Hedge,Add TLT +1% as duration hedge,31,-16,BrokerA,MKT,88,None,None,Normal monitoring,30,-20,39,4,false,Tax-aware sells next window
P1493,Systematic,Trust,USD,2024-11-20,1399479,79267,1320212,1.0,55.3,34.1,3.1,7.5,AMZN:22.9%;HYG:10.2%;TSLA:22.9%;MSFT:22.1%;MUB:22.0%,US:69.6;EU:12.5;APAC:10.3;EM:5.7;Other:1.9,Value:0.0;Growth:-0.7;Quality:+0.8;Size:-0.6;Momentum:+0.4;LowVol:+0.4,MaxPos5%,7,35,4.7,trailing 9%,199,19.6,Volatile,31.7,4.78,2.6,161,34,82,66,false,Rebalance,Shift +1% to bonds from equity,13,13,BrokerD,LMT,91,None,None,Normal monitoring,-47,-60,-84,4,false,Increase defensive factor exposure
P1494,Systematic,IRA,USD,2024-10-24,1252391,120434,1131957,1.0,62.1,25.4,3.7,8.9,GLD:9.7%;BRK.B:14.3%;AMZN:22.6%;VOO:17.3%;MSFT:22.6%;HYG:13.6%,US:57.5;EU:19.7;APAC:13.6;EM:8.3;Other:1.0,Value:+0.1;Growth:-0.1;Quality:-0.4;Size:+0.9;Momentum:+0.9;LowVol:+0.6,,7,30,5.7,trailing 9%,188,22.2,Bull,11.4,4.4,2.5,94,92,94,33,true,Reduce,"Cut high-beta by 2-3%, add cash",30,-24,BrokerB,LMT,85,RegimeShift,Hedge,Volatility spike and breadth deterioration,27,-44,98,4,false,Monitor dispersion and breadth
P1495,Cautious,Roth,USD,2024-07-08,295804,33692,262112,1.0,39.7,33.2,15.0,12.1,BND:15.3%;HYG:24.2%;VNQ:24.2%;GLD:24.2%;TSLA:12.1%,US:66.6;EU:10.6;APAC:15.6;EM:7.1;Other:0.1,Value:-0.6;Growth:-1.0;Quality:-0.5;Size:+0.2;Momentum:+0.5;LowVol:-0.7,NoMargin,10,35,5.2,trailing 8%,124,15.8,Sideways,14.5,4.63,2.4,137,-4,39,30,false,Hedge,Add TLT +1% as duration hedge,7,-8,BrokerA,MKT,97,None,None,Normal monitoring,41,-40,156,3,false,Tax-aware sells next window
P1496,Opportunistic,Taxable,USD,2025-06-14,478934,32981,445953,1.23,66.9,10.4,18.4,4.4,XLF:31.6%;HYG:34.2%;TLT:34.2%,US:72.5;EU:10.4;APAC:11.4;EM:3.8;Other:1.9,Value:+0.8;Growth:-0.5;Quality:-0.0;Size:-0.5;Momentum:-0.9;LowVol:-0.8,MaxPos5%,7,30,4.6,hard 12%,220,23.5,Sideways,19.1,4.0,2.7,121,9,53,62,false,Rebalance,Shift +1% to bonds from equity,32,-10,BrokerA,LMT,100,None,None,Normal monitoring,-58,-53,25,4,false,Tax-aware sells next window
P1497,Cautious,IRA,USD,2024-08-02,761047,92133,668914,1.0,53.2,30.0,4.0,12.7,QQQ:21.0%;HYG:20.3%;BRK.B:17.4%;GLD:24.4%;TSLA:16.9%,US:68.1;EU:6.5;APAC:6.7;EM:12.7;Other:6.0,Value:-0.0;Growth:-0.9;Quality:-0.3;Size:-0.3;Momentum:0.0;LowVol:-0.5,ESGOnly;MaxPos5%;NoMargin,8,30,3.2,hard 10%,168,18.7,Bull,14.6,4.48,2.8,70,110,100,31,false,Rebalance,Shift +1% to bonds from equity,34,4,BrokerB,MKT,94,None,None,Normal monitoring,50,-31,147,5,false,Tighten stops on momentum names
P1498,Systematic,401k,USD,2024-09-02,1108116,72863,1035253,1.0,62.0,26.0,2.8,9.3,XLF:15.5%;MSFT:9.7%;VOO:19.6%;QQQ:12.2%;VNQ:21.5%;GLD:21.5%,US:69.2;EU:11.5;APAC:9.6;EM:6.5;Other:3.1,Value:-0.2;Growth:+0.8;Quality:+0.1;Size:-0.9;Momentum:+0.1;LowVol:+0.3,,7,35,5.3,trailing 8%,193,18.9,Bull,13.6,4.63,3.4,71,108,91,34,false,Rebalance,Shift +1% to bonds from equity,25,1,BrokerC,LMT,88,None,None,Normal monitoring,-10,-23,127,4,false,Monitor dispersion and breadth
P1499,Cautious,Trust,USD,2024-11-13,213310,23992,189318,1.0,46.2,30.4,11.2,12.2,IEF:27.3%;TLT:27.3%;MSFT:27.3%;MUB:18.2%,US:70.7;EU:7.9;APAC:13.0;EM:4.5;Other:4.0,Value:+0.6;Growth:-0.5;Quality:+0.4;Size:-0.2;Momentum:+0.4;LowVol:-0.9,ESGOnly;NoMargin,5,25,5.6,trailing 8%,100,14.9,Volatile,20.3,5.37,2.7,125,49,69,55,false,Sell,Trim extended winner -1%,33,-20,BrokerA,MKT,85,None,None,Normal monitoring,15,-6,108,3,false,Tighten stops on momentum names
P1500,Cautious,Taxable,USD,2025-11-02,253450,31630,221820,1.0,37.4,32.6,14.7,15.2,AMZN:20.0%;AAPL:20.3%;XLF:18.6%;VOO:14.1%;MSFT:18.5%;TLT:8.6%,US:64.0;EU:14.9;APAC:8.1;EM:9.0;Other:4.0,Value:-0.7;Growth:-0.4;Quality:+0.4;Size:-0.3;Momentum:-0.9;LowVol:+0.3,ESGOnly;MaxPos5%;NoDerivatives;NoMargin,10,35,4.6,hard 10%,107,14.3,Bear,33.3,3.7,2.8,154,-51,27,67,true,Hedge,Buy index puts 1% notional,20,-6,BrokerC,LMT,87,Drift>tolerance,Reduce,Allocation drift beyond policy bands,88,8,153,2,false,Within IPS guidelines
P1501,Cautious,Roth,USD,2025-03-12,846507,133325,713182,1.0,48.7,38.1,0.0,13.2,MUB:19.4%;HYG:18.2%;XLF:12.9%;IEF:14.4%;VOO:18.6%;MSFT:16.5%,US:71.4;EU:12.4;APAC:10.5;EM:4.8;Other:0.9,Value:+0.4;Growth:-0.7;Quality:-0.1;Size:-0.0;Momentum:+0.7;LowVol:-0.9,NoDerivatives;NoMargin,6,35,3.4,trailing 8%,97,17.6,Bull,17.2,4.1,3.0,91,111,96,50,false,Buy,Add to core equity +1%,-4,-25,BrokerB,LMT,99,None,None,Normal monitoring,113,-11,103,5,false,Tighten stops on momentum names
P1502,Active,Taxable,USD,2025-01-05,1735098,181160,1553938,1.22,50.5,30.4,9.2,9.9,IEF:18.3%;TSLA:12.7%;HYG:17.6%;BRK.B:25.6%;VNQ:25.6%,US:63.6;EU:22.0;APAC:7.7;EM:4.6;Other:2.0,Value:+0.3;Growth:+0.2;Quality:+0.3;Size:-0.2;Momentum:+0.6;LowVol:+0.3,NoDerivatives,8,30,4.8,trailing 9%,151,17.7,Bear,34.4,3.02,2.9,205,-112,5,82,true,Hedge,Buy index puts 1% notional,26,-32,BrokerC,LMT,96,VAR>budget,Hedge,Risk above budget threshold,103,-39,160,3,false,Monitor dispersion and breadth
P1503,Cautious,IRA,USD,2024-09-17,513612,42150,471462,1.0,41.3,41.9,0.0,16.8,TLT:25.8%;XLF:25.8%;MUB:25.8%;AAPL:22.5%,US:67.9;EU:8.7;APAC:12.2;EM:8.6;Other:2.6,Value:+0.9;Growth:+0.5;Quality:+0.2;Size:+0.4;Momentum:+0.3;LowVol:+0.6,ESGOnly;MaxPos5%;NoMargin,6,35,4.1,trailing 8%,167,16.7,Volatile,31.8,4.64,2.2,173,-47,33,68,true,Hedge,Buy index puts 1% notional,28,-16,BrokerD,VWAP,87,VAR>budget,Reduce,Risk above budget threshold,115,-8,80,5,false,Tax-aware sells next window
P1504,Hands-off,Trust,USD,2024-09-27,597530,26254,571276,1.0,61.0,16.6,14.0,8.4,MUB:35.2%;AMZN:35.2%;VOO:29.7%,US:70.6;EU:6.5;APAC:11.7;EM:9.6;Other:1.6,Value:-0.6;Growth:+0.2;Quality:-0.2;Size:-0.6;Momentum:+0.2;LowVol:-0.9,MaxPos8%,7,30,4.6,trailing 8%,108,18.6,Sideways,17.6,3.91,3.3,101,-30,38,61,false,Buy,Add to core equity +1%,0,-26,BrokerC,MKT,92,None,None,Normal monitoring,-45,13,-75,5,false,Monitor dispersion and breadth
P1505,Active,Roth,USD,2025-11-27,1173545,99781,1073764,1.0,61.5,21.0,9.4,8.2,HYG:6.9%;TSLA:20.9%;VNQ:20.9%;VTI:12.6%;GLD:17.6%;BND:20.9%,US:56.0;EU:17.6;APAC:9.5;EM:11.7;Other:5.3,Value:-0.6;Growth:+0.9;Quality:0.0;Size:+0.4;Momentum:-0.6;LowVol:-0.2,NoDerivatives,7,35,5.3,trailing 8%,136,16.7,Bull,16.8,4.81,2.7,111,89,80,45,false,NoAction,Within bands; monitor,17,-36,BrokerA,LMT,98,None,None,Normal monitoring,-54,-20,68,4,false,Within IPS guidelines
P1506,Active,Trust,USD,2025-09-16,1686928,194605,1492323,1.0,51.9,30.7,8.6,8.8,HYG:36.7%;VOO:26.7%;AMZN:36.7%,US:66.5;EU:14.9;APAC:9.1;EM:9.1;Other:0.3,Value:+0.6;Growth:-0.1;Quality:+0.4;Size:-0.5;Momentum:-0.7;LowVol:-0.5,MaxPos7%,10,35,4.8,trailing 8%,143,18.3,Bull,15.9,4.54,2.7,70,69,72,41,true,Reduce,"Cut high-beta by 2-3%, add cash",-13,-26,BrokerB,MKT,97,VAR>budget,TightenStops,Risk above budget threshold,93,-42,70,2,false,Increase defensive factor exposure
P1507,Active,Taxable,USD,2025-08-09,1493230,158887,1334343,1.0,58.9,22.9,10.9,7.3,VNQ:21.7%;AMZN:14.7%;XLF:13.8%;BND:21.7%;VTI:11.3%;GLD:16.8%,US:62.8;EU:16.7;APAC:14.3;EM:3.6;Other:2.6,Value:-0.3;Growth:-0.5;Quality:+0.9;Size:+0.9;Momentum:-0.2;LowVol:-0.1,,6,30,4.6,trailing 8%,221,23.5,Sideways,17.1,3.67,3.3,115,45,61,55,false,Hedge,Add TLT +1% as duration hedge,22,5,BrokerB,LMT,90,None,None,Normal monitoring,88,-15,159,3,false,Increase defensive factor exposure
P1508,Cautious,IRA,USD,2024-11-11,287746,42314,245432,1.0,46.5,30.3,9.2,14.1,TSLA:33.3%;HYG:33.3%;MUB:33.3%,US:56.2;EU:19.3;APAC:14.2;EM:9.0;Other:1.3,Value:+0.2;Growth:-0.9;Quality:+0.9;Size:-0.2;Momentum:-0.3;LowVol:+0.1,MaxPos7%;NoMargin,6,30,3.1,hard 10%,112,14.0,Volatile,22.0,4.08,3.3,170,78,75,46,false,Rebalance,Shift +1% to bonds from equity,35,-25,BrokerC,MKT,88,None,None,Normal monitoring,48,13,178,4,false,Monitor dispersion and breadth
P1509,Hands-off,Roth,USD,2025-10-16,614167,26831,587336,1.0,59.6,29.6,1.1,9.8,BND:17.5%;GLD:20.4%;MSFT:21.2%;XLF:20.1%;AMZN:11.7%;IEF:9.2%,US:58.4;EU:12.1;APAC:15.6;EM:13.1;Other:0.9,Value:0.0;Growth:-0.5;Quality:-0.4;Size:-0.4;Momentum:-0.1;LowVol:+0.1,,6,30,5.7,hard 10%,157,12.3,Bull,13.6,3.76,3.2,119,23,60,49,false,NoAction,Within bands; monitor,-11,-27,BrokerC,MKT,0,None,None,Normal monitoring,8,-17,141,5,false,Increase defensive factor exposure
P1510,Hands-off,401k,USD,2024-09-19,849189,80862,768327,1.0,67.4,25.7,0.0,6.9,VNQ:34.2%;TSLA:34.2%;IEF:31.7%,US:76.4;EU:5.8;APAC:9.5;EM:5.4;Other:2.8,Value:0.0;Growth:-0.3;Quality:+0.6;Size:-0.1;Momentum:+0.7;LowVol:-0.0,ESGOnly,6,30,5.4,hard 10%,158,19.4,Bull,11.2,3.6,3.2,118,30,72,42,true,Rebalance,Rebalance back to target bands,0,-27,BrokerC,MKT,86,Drift>tolerance,Pause,Allocation drift beyond policy bands,-58,-55,81,3,false,Tighten stops on momentum names
P1511,Hands-off,Roth,USD,2024-11-20,447073,44231,402842,1.0,65.8,28.9,0.0,5.3,VOO:26.6%;TLT:26.6%;TSLA:20.1%;BRK.B:26.6%,US:71.9;EU:12.2;APAC:6.7;EM:7.0;Other:2.2,Value:+0.4;Growth:-0.6;Quality:-0.1;Size:+0.5;Momentum:+0.3;LowVol:+0.7,MaxPos7%;NoDerivatives,10,30,5.3,trailing 10%,108,14.0,Bull,16.5,4.03,2.5,84,28,69,48,false,Rebalance,Shift +1% to bonds from equity,18,-5,BrokerA,MKT,88,None,None,Normal monitoring,12,-13,-3,5,false,Tighten stops on momentum names
P1512,Systematic,IRA,USD,2025-11-01,1922836,166719,1756117,1.0,57.2,23.2,13.4,6.3,AMZN:22.8%;MSFT:22.8%;HYG:19.6%;AAPL:12.1%;BND:22.8%,US:64.4;EU:14.8;APAC:9.6;EM:6.0;Other:5.2,Value:-0.2;Growth:-0.6;Quality:+0.3;Size:-0.8;Momentum:-0.6;LowVol:+0.4,,7,30,4.6,trailing 9%,201,17.7,Bull,17.9,4.41,3.2,102,3,62,44,false,Sell,Trim extended winner -1%,11,-11,BrokerA,MKT,93,None,None,Normal monitoring,110,-6,128,3,false,Tighten stops on momentum names
P1513,Cautious,IRA,USD,2025-02-05,154461,20833,133628,1.0,35.2,41.3,12.7,10.8,BRK.B:20.2%;VOO:27.3%;MSFT:25.2%;XLF:27.3%,US:63.6;EU:13.8;APAC:13.8;EM:8.6;Other:0.2,Value:+0.3;Growth:-0.7;Quality:+0.9;Size:+0.2;Momentum:+0.1;LowVol:-0.4,NoMargin,6,30,5.5,hard 10%,117,14.4,Volatile,31.5,5.21,2.2,160,-36,30,55,false,NoAction,Within bands; monitor,18,-27,BrokerD,LMT,94,None,None,Normal monitoring,114,-45,238,4,false,Tax-aware sells next window
P1514,Active,401k,USD,2025-02-07,978418,86654,891764,1.0,58.9,18.0,14.0,9.1,IEF:37.4%;HYG:37.4%;VNQ:25.3%,US:61.4;EU:14.8;APAC:9.7;EM:9.9;Other:4.2,Value:+0.9;Growth:+0.2;Quality:+0.2;Size:-0.9;Momentum:-0.6;LowVol:0.0,NoDerivatives,8,25,4.2,hard 12%,170,21.0,Sideways,20.1,3.84,2.2,97,28,53,46,false,NoAction,Within bands; monitor,26,-26,BrokerB,LMT,97,None,None,Normal monitoring,63,-47,181,3,false,Tighten stops on momentum names
P1515,Active,Trust,USD,2024-08-28,1340623,86339,1254284,1.23,53.8,21.3,17.2,7.7,BND:33.3%;GLD:33.3%;VNQ:33.3%,US:60.3;EU:19.1;APAC:10.8;EM:5.8;Other:4.0,Value:-0.3;Growth:-0.1;Quality:-0.4;Size:-0.3;Momentum:-0.4;LowVol:+0.8,,7,30,5.8,hard 12%,172,26.7,Bull,11.3,4.29,3.4,108,102,99,29,false,Buy,Add to core equity +1%,-9,-28,BrokerB,LMT,92,None,None,Normal monitoring,-18,5,119,5,false,Within IPS guidelines
P1516,Active,Roth,USD,2025-07-12,674236,46186,628050,1.0,53.5,31.1,5.5,10.0,GLD:29.0%;AMZN:35.5%;IEF:35.5%,US:57.1;EU:15.9;APAC:11.2;EM:11.6;Other:4.2,Value:0.0;Growth:+0.4;Quality:-0.6;Size:-0.9;Momentum:-0.9;LowVol:+0.1,,6,25,5.9,trailing 8%,141,17.1,Bear,30.3,3.65,2.2,219,-98,13,80,true,Reduce,"Cut high-beta by 2-3%, add cash",9,-22,BrokerA,MKT,91,VAR>budget,Reduce,Risk above budget threshold,82,-22,69,5,false,Tighten stops on momentum names
P1517,Opportunistic,IRA,USD,2024-11-11,981001,74635,906366,1.13,69.3,10.0,14.2,6.4,VOO:21.7%;XLF:21.7%;AMZN:16.3%;IEF:9.3%;AAPL:12.1%;TLT:18.9%,US:72.3;EU:6.3;APAC:8.9;EM:10.2;Other:2.1,Value:-0.0;Growth:+0.6;Quality:+0.8;Size:+0.7;Momentum:0.0;LowVol:+0.1,MaxPos6%,7,30,4.0,trailing 7%,244,26.4,Bear,28.2,4.18,1.6,153,-115,5,67,false,Sell,Trim extended winner -1%,-9,-2,BrokerD,MKT,92,None,None,Normal monitoring,43,-28,84,4,false,Tighten stops on momentum names
P1518,Cautious,Roth,USD,2025-02-18,264594,29991,234603,1.0,45.7,30.5,7.7,16.1,HYG:23.6%;IEF:23.6%;MSFT:17.4%;BRK.B:23.6%;VNQ:11.7%,US:69.2;EU:15.4;APAC:11.2;EM:3.9;Other:0.3,Value:-0.5;Growth:+0.9;Quality:-0.0;Size:-0.5;Momentum:-0.5;LowVol:+0.2,MaxPos5%;NoMargin,7,35,3.3,trailing 8%,147,12.4,Volatile,31.0,5.47,4.5,175,16,61,63,false,Buy,Add to core equity +1%,29,-6,BrokerB,LMT,86,None,None,Normal monitoring,-19,14,91,4,false,Tighten stops on momentum names
P1519,Systematic,Trust,USD,2024-12-25,1729510,75518,1653992,1.0,65.7,22.8,4.0,7.5,BRK.B:21.7%;VTI:19.2%;MSFT:11.5%;HYG:21.7%;TLT:7.1%;VOO:18.8%,US:55.4;EU:21.7;APAC:7.1;EM:10.8;Other:5.0,Value:+1.0;Growth:-0.4;Quality:+0.4;Size:-0.7;Momentum:-0.5;LowVol:-0.8,MaxPos8%,5,25,5.3,hard 12%,190,25.1,Volatile,27.4,3.82,3.0,111,41,72,76,true,Rebalance,Rebalance back to target bands,-13,-22,BrokerD,MKT,97,Drift>tolerance,Reduce,Allocation drift beyond policy bands,19,16,50,5,false,Within IPS guidelines
P1520,Hands-off,Roth,USD,2025-11-24,876232,56286,819946,1.0,56.4,28.9,6.9,7.8,MSFT:22.7%;HYG:18.8%;BND:22.2%;TLT:13.7%;QQQ:22.7%,US:62.6;EU:17.3;APAC:5.9;EM:10.0;Other:4.2,Value:+0.7;Growth:+0.1;Quality:+0.6;Size:-1.0;Momentum:-0.1;LowVol:+0.9,MaxPos8%,7,25,5.6,hard 10%,126,12.4,Bull,11.2,3.64,3.1,116,58,94,46,false,Hedge,Add TLT +1% as duration hedge,29,-38,BrokerB,LMT,87,None,None,Normal monitoring,-24,4,-9,3,false,Increase defensive factor exposure
P1521,Systematic,401k,USD,2025-09-22,429297,39749,389548,1.0,63.2,29.5,0.0,7.3,XLF:22.7%;QQQ:18.5%;VTI:22.7%;VOO:22.7%;BND:13.5%,US:71.6;EU:11.5;APAC:7.3;EM:8.7;Other:0.9,Value:-0.9;Growth:-0.1;Quality:+0.6;Size:-0.2;Momentum:-0.9;LowVol:-0.7,,7,30,4.4,trailing 9%,144,23.5,Volatile,30.6,5.12,4.1,121,71,86,73,true,Reduce,"Cut high-beta by 2-3%, add cash",22,-18,BrokerD,MKT,97,VAR>budget,Pause,Risk above budget threshold,48,-58,166,3,false,Tighten stops on momentum names
P1522,Cautious,Taxable,USD,2025-08-14,633714,85546,548168,1.0,50.3,34.6,0.0,15.1,TLT:33.3%;GLD:33.3%;HYG:33.3%,US:72.6;EU:12.8;APAC:6.0;EM:5.5;Other:3.1,Value:+0.9;Growth:+0.3;Quality:-0.4;Size:+0.5;Momentum:-0.3;LowVol:+0.7,MaxPos6%;NoMargin,7,30,4.2,hard 10%,122,19.6,Bull,16.0,3.97,2.0,106,63,84,51,false,Sell,Trim extended winner -1%,23,-8,BrokerD,LMT,93,None,None,Normal monitoring,106,-40,213,5,false,Tax-aware sells next window
P1523,Hands-off,401k,USD,2024-10-04,579873,52166,527707,1.0,56.3,16.3,19.0,8.4,VNQ:18.0%;VTI:17.9%;IEF:16.8%;MUB:10.3%;AAPL:16.0%;VOO:21.0%,US:72.0;EU:6.0;APAC:15.6;EM:3.3;Other:3.1,Value:0.0;Growth:+0.4;Quality:0.0;Size:+0.9;Momentum:-0.0;LowVol:-0.2,ESGOnly,6,35,5.3,trailing 8%,106,16.0,Bear,30.3,4.2,1.4,204,-101,6,82,true,Reduce,"Cut high-beta by 2-3%, add cash",5,-9,BrokerA,LMT,89,VAR>budget,Hedge,Risk above budget threshold,60,-38,27,4,false,Monitor dispersion and breadth
P1524,Hands-off,Taxable,USD,2025-03-05,694406,36254,658152,1.0,60.3,17.7,13.3,8.7,VOO:25.4%;TSLA:14.7%;QQQ:18.1%;GLD:25.4%;AMZN:16.5%,US:58.9;EU:19.4;APAC:13.6;EM:5.0;Other:3.2,Value:+0.5;Growth:-0.3;Quality:-0.2;Size:-0.9;Momentum:+0.8;LowVol:+0.9,ESGOnly,10,35,4.0,hard 10%,124,17.6,Sideways,17.9,3.77,2.8,99,-17,28,43,false,Sell,Trim extended winner -1%,2,-2,BrokerD,LMT,98,None,None,Normal monitoring,62,15,174,3,false,Tax-aware sells next window
P1525,Hands-off,IRA,USD,2024-11-19,348958,18244,330714,1.0,65.0,15.6,13.6,5.8,VNQ:11.7%;MSFT:20.7%;XLF:22.7%;QQQ:22.1%;IEF:22.7%,US:59.2;EU:17.1;APAC:11.6;EM:7.9;Other:4.3,Value:-0.3;Growth:-0.7;Quality:-0.7;Size:-0.9;Momentum:-0.0;LowVol:+0.7,,6,25,4.7,trailing 10%,123,17.7,Bear,23.5,4.5,2.2,177,-43,15,69,true,Hedge,Buy index puts 1% notional,1,7,BrokerD,LMT,93,Drift>tolerance,Pause,Allocation drift beyond policy bands,85,-29,150,5,false,Increase defensive factor exposure
P1526,Opportunistic,IRA,USD,2025-02-22,1654615,57306,1597309,1.0,63.8,14.5,16.5,5.2,MSFT:20.4%;IEF:19.1%;QQQ:10.6%;VNQ:18.7%;BND:19.6%;GLD:11.6%,US:66.8;EU:17.5;APAC:9.4;EM:6.3;Other:0.1,Value:+0.4;Growth:+0.8;Quality:-0.3;Size:+0.9;Momentum:-0.0;LowVol:-0.9,MaxPos5%;NoDerivatives,10,35,6.7,trailing 9%,180,23.5,Bull,17.7,4.51,2.4,110,102,98,46,false,Buy,Add to core equity +1%,19,-33,BrokerA,LMT,96,None,None,Normal monitoring,8,19,136,4,false,Tax-aware sells next window
P1527,Active,401k,USD,2024-11-13,2020544,238859,1781685,1.0,57.3,21.3,15.8,5.6,VTI:26.2%;AMZN:26.2%;VOO:21.3%;IEF:26.2%,US:66.9;EU:8.8;APAC:13.0;EM:10.0;Other:1.3,Value:+0.3;Growth:+1.0;Quality:+0.8;Size:+0.4;Momentum:-1.0;LowVol:0.0,,7,30,5.1,trailing 9%,132,25.9,Volatile,31.9,4.45,3.4,142,24,75,87,true,Rebalance,Rebalance back to target bands,23,-7,BrokerA,LMT,90,VAR>budget,Hedge,Risk above budget threshold,10,7,89,4,false,Within IPS guidelines
P1528,Systematic,401k,USD,2025-11-10,1032798,47974,984824,1.0,59.1,32.2,0.0,8.7,AMZN:13.3%;BND:22.2%;MUB:22.2%;AAPL:22.2%;HYG:20.1%,US:69.7;EU:6.6;APAC:12.6;EM:5.6;Other:5.6,Value:+0.3;Growth:+0.7;Quality:+0.6;Size:-0.5;Momentum:-0.5;LowVol:0.0,,6,35,5.1,hard 12%,126,22.4,Bull,12.5,4.92,3.4,81,26,76,31,false,Rebalance,Shift +1% to bonds from equity,34,-21,BrokerA,MKT,96,None,None,Normal monitoring,-42,12,8,4,false,Increase defensive factor exposure
P1529,Systematic,IRA,USD,2025-11-29,1239761,92376,1147385,1.0,66.8,26.4,0.1,6.7,MUB:16.6%;VOO:23.8%;HYG:23.0%;IEF:12.8%;GLD:23.8%,US:66.2;EU:13.1;APAC:12.8;EM:5.6;Other:2.3,Value:+0.4;Growth:+0.4;Quality:-0.2;Size:+0.4;Momentum:+0.9;LowVol:+0.7,NoDerivatives,5,35,4.4,hard 12%,190,23.3,Sideways,14.9,4.62,3.3,117,33,53,49,false,Sell,Trim extended winner -1%,2,-10,BrokerA,LMT,95,None,None,Normal monitoring,43,-33,7,4,false,Monitor dispersion and breadth
P1530,Active,401k,USD,2025-02-14,1929919,175624,1754295,1.1,69.8,20.8,1.8,7.7,HYG:37.7%;IEF:24.6%;GLD:37.7%,US:64.9;EU:14.1;APAC:10.3;EM:9.0;Other:1.7,Value:+0.1;Growth:-0.1;Quality:-1.0;Size:-0.7;Momentum:-0.3;LowVol:-0.6,MaxPos5%;NoDerivatives,10,35,4.7,hard 12%,195,27.4,Bull,16.6,4.03,2.2,79,8,61,48,false,Rebalance,Shift +1% to bonds from equity,10,-38,BrokerD,MKT,91,None,None,Normal monitoring,-32,-14,-6,3,false,Monitor dispersion and breadth
P1531,Cautious,401k,USD,2025-04-24,458629,67964,390665,1.0,39.0,38.4,7.2,15.4,AMZN:19.6%;TLT:21.3%;QQQ:17.5%;TSLA:21.3%;XLF:20.3%,US:62.6;EU:16.1;APAC:13.0;EM:5.4;Other:3.0,Value:-0.9;Growth:-1.0;Quality:-0.9;Size:-0.7;Momentum:-0.9;LowVol:-0.6,MaxPos7%;NoMargin,7,25,5.2,trailing 8%,163,12.6,Volatile,27.2,4.59,3.7,139,5,52,47,true,Hedge,Buy index puts 1% notional,-12,-1,BrokerC,VWAP,99,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-53,-33,28,2,false,Increase defensive factor exposure
P1532,Cautious,IRA,USD,2025-01-22,505454,58330,447124,1.0,37.8,39.2,11.3,11.8,VNQ:16.7%;BRK.B:11.6%;VTI:23.9%;AMZN:23.9%;TLT:23.9%,US:66.8;EU:6.2;APAC:13.1;EM:9.0;Other:4.9,Value:-0.6;Growth:+0.9;Quality:+0.6;Size:+0.6;Momentum:+0.5;LowVol:-0.9,ESGOnly;NoDerivatives;NoMargin,5,35,4.1,hard 10%,159,17.7,Bull,13.1,4.97,2.6,100,90,90,21,true,Hedge,Buy index puts 1% notional,14,-37,BrokerC,LMT,88,VAR>budget,Reduce,Risk above budget threshold,29,-40,141,4,true,Tighten stops on momentum names
P1533,Cautious,Taxable,USD,2025-02-13,512206,50415,461791,1.0,40.2,43.6,3.9,12.3,IEF:38.5%;MSFT:23.0%;VTI:38.5%,US:63.9;EU:9.7;APAC:16.9;EM:7.1;Other:2.4,Value:-0.9;Growth:+0.7;Quality:+0.8;Size:-0.4;Momentum:-0.9;LowVol:+0.4,ESGOnly;NoMargin,5,25,4.4,trailing 10%,91,14.5,Bull,15.2,4.08,2.9,94,1,54,42,false,Sell,Trim extended winner -1%,17,-26,BrokerC,LMT,88,None,None,Normal monitoring,40,-44,173,3,false,Tighten stops on momentum names
P1534,Opportunistic,Taxable,USD,2025-09-09,728671,64258,664413,1.0,64.7,15.9,13.3,6.0,MUB:27.7%;IEF:20.5%;TSLA:27.7%;AAPL:24.1%,US:69.8;EU:7.7;APAC:14.1;EM:5.5;Other:2.9,Value:-0.3;Growth:-0.4;Quality:+0.7;Size:-0.1;Momentum:+0.4;LowVol:+0.9,MaxPos8%,6,35,4.4,trailing 9%,205,33.5,Bull,13.3,3.74,2.5,100,23,70,46,false,Hedge,Add TLT +1% as duration hedge,9,2,BrokerC,LMT,93,None,None,Normal monitoring,64,-8,39,4,false,Tighten stops on momentum names
P1535,Systematic,Roth,USD,2025-06-01,1995415,193951,1801464,1.0,59.5,31.7,0.0,8.8,VTI:28.3%;IEF:28.3%;AMZN:28.3%;GLD:15.2%,US:76.2;EU:8.0;APAC:7.2;EM:8.1;Other:0.5,Value:+0.8;Growth:-0.1;Quality:+0.1;Size:+0.9;Momentum:+0.7;LowVol:+0.7,MaxPos7%,5,35,5.0,trailing 9%,227,19.7,Bull,14.8,3.86,2.5,77,17,59,47,true,Rebalance,Rebalance back to target bands,35,-6,BrokerD,MKT,98,Drift>tolerance,Reduce,Allocation drift beyond policy bands,35,-54,80,3,false,Monitor dispersion and breadth
P1536,Hands-off,401k,USD,2024-10-24,258220,22546,235674,1.0,58.5,25.3,8.7,7.5,VNQ:14.4%;QQQ:17.3%;MUB:20.5%;IEF:10.1%;BND:17.3%;VTI:20.5%,US:61.2;EU:18.2;APAC:12.4;EM:4.3;Other:3.9,Value:-0.9;Growth:-0.5;Quality:+1.0;Size:+0.1;Momentum:-0.9;LowVol:+0.4,ESGOnly,7,30,5.0,trailing 8%,126,18.1,Sideways,21.9,4.72,3.1,100,57,67,62,false,Rebalance,Shift +1% to bonds from equity,0,-8,BrokerA,MKT,95,None,None,Normal monitoring,112,-28,238,4,false,Tighten stops on momentum names
P1537,Opportunistic,Taxable,USD,2025-10-09,1555719,48841,1506878,1.0,68.5,10.8,14.7,6.0,VOO:14.2%;AAPL:21.2%;TSLA:7.4%;XLF:21.2%;GLD:21.2%;BND:14.9%,US:67.3;EU:12.9;APAC:11.4;EM:8.3;Other:0.1,Value:-0.6;Growth:+0.5;Quality:-0.4;Size:+0.1;Momentum:-0.3;LowVol:+0.5,,5,35,6.4,hard 12%,256,23.4,Bull,13.9,3.93,3.1,109,47,71,39,false,Rebalance,Shift +1% to bonds from equity,26,-4,BrokerD,LMT,85,None,None,Normal monitoring,105,-46,103,3,false,Increase defensive factor exposure
P1538,Active,IRA,USD,2025-11-04,1127835,69372,1058463,1.0,63.7,26.8,0.0,9.5,VOO:19.4%;MUB:11.3%;AMZN:21.3%;VTI:21.3%;AAPL:13.4%;VNQ:13.4%,US:63.6;EU:11.4;APAC:14.0;EM:9.4;Other:1.6,Value:+0.6;Growth:+0.5;Quality:-0.9;Size:+0.5;Momentum:-0.1;LowVol:+0.5,,8,25,5.0,hard 12%,137,25.8,Volatile,24.8,4.38,3.1,139,31,66,67,false,Buy,Add to core equity +1%,20,2,BrokerB,LMT,89,None,None,Normal monitoring,13,1,151,3,false,Tax-aware sells next window
P1539,Opportunistic,Taxable,USD,2025-11-29,1544500,123033,1421467,1.0,72.1,19.2,4.5,4.1,VNQ:25.0%;VTI:25.0%;IEF:25.0%;TSLA:25.0%,US:58.1;EU:17.8;APAC:10.1;EM:10.7;Other:3.3,Value:0.0;Growth:-0.2;Quality:+0.3;Size:+0.4;Momentum:-0.8;LowVol:-0.7,MaxPos6%;NoDerivatives,6,25,4.7,hard 12%,268,32.3,Bull,15.8,4.8,2.8,89,116,100,64,false,Sell,Trim extended winner -1%,23,-31,BrokerB,MKT,90,None,None,Normal monitoring,53,-42,49,5,false,Within IPS guidelines
P1540,Opportunistic,Roth,USD,2025-10-27,818095,35596,782499,1.0,69.8,16.6,9.6,4.0,VOO:27.2%;HYG:18.4%;BRK.B:27.2%;TSLA:27.2%,US:64.3;EU:17.2;APAC:12.2;EM:4.6;Other:1.7,Value:+0.7;Growth:-0.9;Quality:-0.9;Size:-0.6;Momentum:+1.0;LowVol:-0.2,,5,35,6.9,hard 12%,167,32.4,Sideways,21.2,4.15,3.0,136,0,51,67,false,Buy,Add to core equity +1%,-12,-29,BrokerC,LMT,96,None,None,Normal monitoring,61,2,100,5,false,Tighten stops on momentum names
P1541,Active,401k,USD,2025-06-30,1988848,125285,1863563,1.0,51.3,24.2,17.2,7.3,BRK.B:22.4%;HYG:21.7%;GLD:22.4%;TLT:17.8%;AAPL:15.6%,US:68.1;EU:13.2;APAC:9.6;EM:5.4;Other:3.7,Value:-0.1;Growth:-0.6;Quality:+0.8;Size:+0.2;Momentum:-0.4;LowVol:-0.5,MaxPos7%,5,25,4.3,trailing 8%,159,18.5,Sideways,18.5,4.46,3.1,109,22,48,48,false,Rebalance,Shift +1% to bonds from equity,2,-36,BrokerA,MKT,94,None,None,Normal monitoring,19,-55,148,3,false,Tax-aware sells next window
P1542,Cautious,IRA,USD,2024-11-16,257101,29198,227903,1.0,51.3,33.8,0.0,14.9,MUB:11.5%;AMZN:14.5%;MSFT:20.7%;XLF:20.7%;VNQ:12.0%;TSLA:20.7%,US:72.1;EU:10.6;APAC:8.0;EM:4.9;Other:4.5,Value:+0.2;Growth:-0.8;Quality:+0.8;Size:-0.6;Momentum:+0.2;LowVol:-0.5,MaxPos8%;NoDerivatives;NoMargin,7,25,5.3,hard 10%,109,15.0,Sideways,15.6,3.78,3.0,139,-26,41,34,false,Hedge,Add TLT +1% as duration hedge,24,-13,BrokerB,MKT,95,None,None,Normal monitoring,54,-26,20,3,false,Increase defensive factor exposure
P1543,Hands-off,Trust,USD,2025-07-14,864011,60268,803743,1.0,61.4,26.6,5.5,6.5,HYG:22.2%;QQQ:26.7%;TLT:26.7%;IEF:24.3%,US:66.4;EU:13.7;APAC:11.7;EM:6.9;Other:1.3,Value:+0.7;Growth:+0.5;Quality:+0.7;Size:-0.7;Momentum:-0.4;LowVol:-0.0,NoDerivatives,8,35,3.3,hard 10%,135,14.7,Sideways,16.7,4.47,2.6,113,36,80,41,false,Rebalance,Shift +1% to bonds from equity,8,7,BrokerA,LMT,95,None,None,Normal monitoring,-16,16,55,3,false,Within IPS guidelines
P1544,Hands-off,Trust,USD,2025-03-10,246084,19079,227005,1.0,64.3,17.5,10.1,8.1,TLT:19.5%;IEF:13.1%;VTI:15.5%;VNQ:25.9%;HYG:25.9%,US:75.8;EU:8.5;APAC:10.9;EM:4.4;Other:0.4,Value:-0.0;Growth:+0.8;Quality:+0.3;Size:-0.2;Momentum:+0.5;LowVol:+0.7,ESGOnly,5,25,5.5,trailing 8%,130,12.1,Bull,16.7,3.51,2.2,89,97,100,54,false,Rebalance,Shift +1% to bonds from equity,-15,-35,BrokerD,VWAP,92,None,None,Normal monitoring,-55,12,49,4,false,Increase defensive factor exposure
P1545,Hands-off,Trust,USD,2025-07-30,423201,21532,401669,1.0,68.9,19.8,1.4,10.0,VOO:33.3%;AAPL:33.3%;AMZN:33.3%,US:61.9;EU:19.2;APAC:5.3;EM:11.6;Other:2.1,Value:-0.1;Growth:-0.3;Quality:0.0;Size:-0.4;Momentum:-0.3;LowVol:-0.7,ESGOnly,6,35,5.3,hard 10%,138,19.4,Bull,17.5,4.97,2.2,98,32,73,56,true,Reduce,"Cut high-beta by 2-3%, add cash",27,8,BrokerB,MKT,99,VAR>budget,Hedge,Risk above budget threshold,66,8,71,3,false,Tighten stops on momentum names
P1546,Cautious,Roth,USD,2025-02-05,255581,30302,225279,1.0,45.4,33.3,6.9,14.4,TLT:12.1%;MUB:10.2%;GLD:13.9%;VNQ:25.4%;XLF:25.4%;AMZN:13.0%,US:68.0;EU:11.0;APAC:11.3;EM:6.6;Other:3.0,Value:-0.7;Growth:+0.9;Quality:-0.3;Size:-0.4;Momentum:-0.7;LowVol:+0.9,ESGOnly;MaxPos6%;NoMargin,5,30,3.6,trailing 8%,108,19.5,Volatile,31.3,4.21,2.3,180,16,71,60,false,Buy,Add to core equity +1%,-15,3,BrokerB,VWAP,96,None,None,Normal monitoring,101,-23,180,4,false,Increase defensive factor exposure
P1547,Active,IRA,USD,2025-03-30,649490,69015,580475,1.0,56.2,24.8,13.6,5.3,IEF:31.6%;BND:34.2%;TSLA:34.2%,US:68.8;EU:10.3;APAC:10.6;EM:7.3;Other:3.0,Value:+0.7;Growth:-0.8;Quality:+0.8;Size:+0.6;Momentum:-0.8;LowVol:+0.4,,8,30,5.1,trailing 9%,230,27.3,Volatile,28.8,5.24,3.0,174,-29,24,63,false,Sell,Trim extended winner -1%,25,-29,BrokerC,LMT,95,None,None,Normal monitoring,-16,-51,-10,3,false,Tighten stops on momentum names
P1548,Opportunistic,401k,USD,2025-12-04,756571,35149,721422,1.0,61.5,10.6,21.8,6.1,TSLA:25.0%;IEF:25.0%;QQQ:25.0%;BND:25.0%,US:64.5;EU:18.9;APAC:6.3;EM:8.0;Other:2.3,Value:+0.8;Growth:+0.1;Quality:-0.1;Size:-0.4;Momentum:-0.6;LowVol:+0.1,MaxPos6%,7,35,4.8,hard 12%,198,21.6,Volatile,28.7,3.62,4.2,135,-29,41,71,true,Hedge,Buy index puts 1% notional,21,-35,BrokerC,LMT,100,RegimeShift,Hedge,Volatility spike and breadth deterioration,14,19,61,2,false,Tax-aware sells next window
P1549,Active,IRA,USD,2025-11-01,1083193,120305,962888,1.0,58.5,22.8,9.8,8.9,BRK.B:28.8%;QQQ:28.8%;VTI:28.8%;AMZN:13.5%,US:72.8;EU:8.4;APAC:5.9;EM:12.0;Other:0.9,Value:+0.2;Growth:-0.8;Quality:+1.0;Size:+0.3;Momentum:+0.3;LowVol:-0.1,MaxPos8%;NoDerivatives,5,30,4.7,trailing 8%,218,26.1,Bull,17.3,3.68,2.2,114,0,44,48,false,Rebalance,Shift +1% to bonds from equity,12,-22,BrokerD,MKT,87,None,None,Normal monitoring,-10,10,16,4,false,Increase defensive factor exposure
P1550,Systematic,Trust,USD,2024-08-23,408834,40479,368355,1.0,62.3,29.3,0.0,8.4,QQQ:26.3%;AAPL:26.3%;AMZN:26.3%;TLT:21.1%,US:65.1;EU:15.9;APAC:9.2;EM:5.1;Other:4.7,Value:+0.2;Growth:+0.1;Quality:-0.5;Size:-0.5;Momentum:-0.3;LowVol:-0.8,MaxPos5%,5,35,4.9,hard 12%,176,17.4,Volatile,31.5,4.72,2.0,164,27,52,80,true,Hedge,Buy index puts 1% notional,-3,-28,BrokerB,MKT,94,RegimeShift,Reduce,Volatility spike and breadth deterioration,-9,-30,-1,5,false,Tax-aware sells next window
P1551,Hands-off,IRA,USD,2024-09-21,822623,51404,771219,1.0,57.5,29.5,7.2,5.8,VTI:15.5%;VNQ:28.2%;TSLA:28.2%;AMZN:28.2%,US:70.7;EU:8.9;APAC:12.0;EM:6.5;Other:1.9,Value:-0.0;Growth:+0.3;Quality:-0.8;Size:+0.8;Momentum:-0.9;LowVol:+0.2,ESGOnly;NoDerivatives,10,35,4.4,hard 10%,102,12.9,Volatile,26.2,3.9,3.1,155,43,84,63,false,Sell,Trim extended winner -1%,-12,-15,BrokerA,LMT,98,None,None,Normal monitoring,-8,-6,38,3,false,Monitor dispersion and breadth
P1552,Cautious,IRA,USD,2025-04-14,310356,43930,266426,1.0,51.0,33.2,5.1,10.8,IEF:14.7%;AMZN:20.3%;XLF:16.3%;HYG:20.3%;VOO:20.3%;GLD:8.0%,US:66.8;EU:16.5;APAC:10.7;EM:5.5;Other:0.4,Value:+0.7;Growth:+0.6;Quality:+0.1;Size:-0.8;Momentum:-0.8;LowVol:0.0,MaxPos6%;NoDerivatives;NoMargin,7,25,5.1,trailing 10%,162,17.9,Volatile,21.6,4.04,4.4,150,72,88,49,false,Rebalance,Shift +1% to bonds from equity,-10,-32,BrokerB,LMT,97,None,None,Normal monitoring,23,-42,88,3,false,Tax-aware sells next window
P1553,Hands-off,IRA,USD,2024-12-07,219606,18041,201565,1.0,57.5,29.3,5.3,8.0,AMZN:33.3%;QQQ:33.3%;BRK.B:33.3%,US:61.9;EU:12.4;APAC:14.0;EM:10.6;Other:1.0,Value:-0.4;Growth:-0.3;Quality:+0.7;Size:+0.4;Momentum:+0.9;LowVol:+0.5,ESGOnly;MaxPos7%,6,25,4.4,hard 10%,159,13.1,Volatile,27.3,4.51,2.7,158,34,73,59,false,Buy,Add to core equity +1%,5,-33,BrokerD,VWAP,96,None,None,Normal monitoring,3,-32,-33,5,false,Increase defensive factor exposure
P1554,Hands-off,IRA,USD,2024-07-06,584406,27137,557269,1.0,66.7,20.1,7.7,5.5,TSLA:18.4%;MSFT:21.9%;GLD:21.9%;QQQ:16.4%;TLT:21.3%,US:61.5;EU:14.5;APAC:11.7;EM:11.9;Other:0.4,Value:+0.7;Growth:+0.1;Quality:-0.7;Size:+0.4;Momentum:+0.8;LowVol:+0.1,ESGOnly,5,30,5.6,trailing 8%,170,18.5,Bear,34.2,4.1,1.4,218,-117,5,96,true,Reduce,"Cut high-beta by 2-3%, add cash",-13,2,BrokerD,MKT,100,VAR>budget,Hedge,Risk above budget threshold,-23,15,2,5,false,Increase defensive factor exposure
P1555,Opportunistic,Roth,USD,2024-10-28,1707218,75824,1631394,1.0,61.5,21.0,10.3,7.1,AMZN:33.3%;TSLA:33.3%;AAPL:33.3%,US:70.0;EU:14.8;APAC:7.4;EM:7.3;Other:0.5,Value:-0.8;Growth:+0.2;Quality:-0.4;Size:-0.5;Momentum:+0.6;LowVol:+0.4,MaxPos6%;NoDerivatives,5,35,5.2,trailing 9%,166,27.9,Bull,14.8,4.63,3.2,72,66,76,43,false,Sell,Trim extended winner -1%,-10,-11,BrokerB,LMT,87,None,None,Normal monitoring,103,-30,75,3,false,Within IPS guidelines
P1556,Cautious,401k,USD,2025-10-09,188401,24009,164392,1.0,40.2,39.8,3.0,17.0,HYG:25.0%;IEF:25.0%;BND:25.0%;TSLA:25.0%,US:68.9;EU:7.1;APAC:13.5;EM:7.1;Other:3.4,Value:-0.8;Growth:+0.7;Quality:-0.2;Size:+0.4;Momentum:+0.5;LowVol:-0.1,ESGOnly;NoMargin,10,25,4.9,trailing 8%,152,15.1,Bull,13.8,3.52,2.9,105,42,73,28,false,Buy,Add to core equity +1%,34,-24,BrokerB,MKT,85,None,None,Normal monitoring,-60,-12,-73,4,false,Tax-aware sells next window
P1557,Opportunistic,IRA,USD,2025-11-09,876079,69748,806331,1.0,67.5,18.5,7.4,6.5,BND:13.3%;XLF:19.9%;AMZN:20.2%;GLD:13.6%;VOO:12.7%;HYG:20.2%,US:58.6;EU:16.9;APAC:14.2;EM:7.9;Other:2.3,Value:+0.4;Growth:-0.8;Quality:-0.1;Size:+0.3;Momentum:-0.8;LowVol:+0.5,NoDerivatives,8,30,5.3,hard 12%,243,27.7,Bull,11.9,4.88,2.0,73,10,44,37,false,Sell,Trim extended winner -1%,1,-9,BrokerC,LMT,93,None,None,Normal monitoring,104,-6,113,4,false,Within IPS guidelines
P1558,Active,Trust,USD,2025-08-06,1277304,145965,1131339,1.0,68.6,22.0,0.0,9.4,TLT:22.4%;MSFT:26.1%;BRK.B:26.1%;AMZN:25.4%,US:70.7;EU:11.0;APAC:9.6;EM:4.2;Other:4.5,Value:+0.5;Growth:+0.2;Quality:-0.6;Size:-0.1;Momentum:+0.1;LowVol:-0.6,,5,30,5.8,trailing 8%,164,25.5,Volatile,29.2,4.46,3.8,154,11,57,73,true,Rebalance,Rebalance back to target bands,22,-38,BrokerB,VWAP,87,RegimeShift,Reduce,Volatility spike and breadth deterioration,-23,-5,102,2,false,Monitor dispersion and breadth
P1559,Systematic,Taxable,USD,2024-07-25,744547,46786,697761,1.0,64.7,22.1,7.3,5.9,MUB:27.0%;GLD:27.0%;IEF:27.0%;VOO:19.1%,US:59.1;EU:16.3;APAC:15.9;EM:8.0;Other:0.7,Value:+0.5;Growth:-0.8;Quality:+0.5;Size:+0.7;Momentum:-0.2;LowVol:+0.9,MaxPos8%,5,25,5.3,trailing 9%,137,25.5,Bear,31.9,3.29,1.1,171,-7,60,90,true,Rebalance,Rebalance back to target bands,33,-5,BrokerB,MKT,98,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-2,-9,27,5,false,Monitor dispersion and breadth
P1560,Hands-off,Taxable,USD,2024-09-14,896347,59766,836581,1.0,66.7,27.3,0.0,6.0,VTI:20.2%;HYG:26.6%;BND:26.6%;TSLA:26.6%,US:75.3;EU:10.0;APAC:7.0;EM:4.7;Other:3.0,Value:-0.7;Growth:-0.8;Quality:-0.4;Size:+0.4;Momentum:+0.6;LowVol:-0.7,ESGOnly;MaxPos5%;NoDerivatives,7,35,4.6,hard 10%,150,14.4,Sideways,20.1,4.0,3.2,111,6,44,60,false,Hedge,Add TLT +1% as duration hedge,14,-12,BrokerA,MKT,94,None,None,Normal monitoring,-33,-41,56,5,false,Increase defensive factor exposure
P1561,Active,Trust,USD,2024-10-26,2122348,234859,1887489,1.0,55.6,24.8,13.0,6.5,QQQ:21.9%;VTI:21.9%;TLT:19.6%;MSFT:7.9%;IEF:21.9%;XLF:6.7%,US:80.3;EU:7.5;APAC:6.1;EM:3.6;Other:2.5,Value:+0.3;Growth:+0.7;Quality:+0.5;Size:+0.1;Momentum:-0.9;LowVol:+0.2,MaxPos7%,7,35,5.7,hard 12%,218,26.3,Sideways,15.3,4.47,2.7,99,-21,48,44,false,Buy,Add to core equity +1%,20,-16,BrokerA,MKT,97,None,None,Normal monitoring,-37,-22,-27,3,false,Increase defensive factor exposure
P1562,Active,Taxable,USD,2024-07-16,835373,95207,740166,1.0,56.8,31.6,4.8,6.7,VTI:19.0%;HYG:18.5%;IEF:21.0%;AMZN:6.1%;TLT:17.3%;BND:18.2%,US:71.6;EU:9.6;APAC:7.7;EM:10.9;Other:0.2,Value:0.0;Growth:+0.1;Quality:-0.8;Size:+0.2;Momentum:+0.2;LowVol:-0.2,MaxPos6%;NoDerivatives,5,25,5.8,trailing 9%,174,24.8,Volatile,20.3,5.24,4.4,179,69,88,60,false,Sell,Trim extended winner -1%,4,-35,BrokerD,MKT,95,None,None,Normal monitoring,38,-17,34,3,false,Tax-aware sells next window
P1563,Opportunistic,IRA,USD,2025-02-03,997552,34093,963459,1.21,63.3,21.6,10.2,5.0,GLD:17.0%;XLF:10.3%;MSFT:24.2%;VTI:24.2%;AMZN:24.2%,US:77.5;EU:10.0;APAC:5.9;EM:5.0;Other:1.5,Value:-0.5;Growth:+0.8;Quality:-0.4;Size:-1.0;Momentum:+0.8;LowVol:+0.2,MaxPos8%;NoDerivatives,6,30,6.2,trailing 9%,176,24.9,Bull,16.1,4.47,2.6,88,76,94,50,false,Rebalance,Shift +1% to bonds from equity,6,-26,BrokerD,LMT,87,None,None,Normal monitoring,78,-19,124,5,false,Tighten stops on momentum names
P1564,Opportunistic,401k,USD,2025-07-14,1115983,33908,1082075,1.0,72.0,14.3,7.9,5.7,TSLA:14.2%;HYG:16.9%;TLT:21.7%;MUB:21.7%;VNQ:13.8%;AMZN:11.6%,US:70.2;EU:6.8;APAC:14.0;EM:4.2;Other:4.9,Value:+1.0;Growth:-0.5;Quality:+0.6;Size:-0.3;Momentum:+1.0;LowVol:+0.2,NoDerivatives,5,35,5.8,hard 12%,256,29.8,Sideways,15.3,3.74,2.2,138,38,78,60,true,Hedge,Buy index puts 1% notional,8,-13,BrokerC,MKT,92,Drift>tolerance,Pause,Allocation drift beyond policy bands,38,-10,164,4,false,Within IPS guidelines
P1565,Hands-off,Roth,USD,2024-12-27,317481,27977,289504,1.0,58.6,23.5,11.9,6.0,VOO:33.3%;BRK.B:33.3%;TLT:33.3%,US:72.1;EU:7.8;APAC:12.7;EM:6.7;Other:0.7,Value:-0.3;Growth:+0.9;Quality:+0.7;Size:-0.1;Momentum:+0.1;LowVol:-0.5,MaxPos8%,7,25,4.5,trailing 8%,114,13.3,Volatile,31.4,3.69,2.1,173,-39,41,76,true,Rebalance,Rebalance back to target bands,28,-4,BrokerA,LMT,100,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,2,-38,19,3,false,Tax-aware sells next window
P1566,Cautious,Roth,USD,2025-04-02,194250,17048,177202,1.0,45.1,39.4,0.0,15.4,IEF:33.3%;GLD:33.3%;BND:33.3%,US:62.8;EU:19.5;APAC:13.3;EM:3.8;Other:0.7,Value:-0.6;Growth:+0.2;Quality:+0.2;Size:-0.7;Momentum:-0.6;LowVol:+0.1,ESGOnly;NoMargin,6,35,5.8,hard 10%,108,17.5,Bull,17.8,3.65,2.2,120,112,95,49,false,Rebalance,Shift +1% to bonds from equity,16,-37,BrokerC,MKT,94,None,None,Normal monitoring,112,-5,122,5,false,Tax-aware sells next window
P1567,Hands-off,401k,USD,2024-08-12,232181,19982,212199,1.0,67.8,20.0,2.6,9.5,VOO:16.2%;BND:16.7%;XLF:22.7%;GLD:21.6%;VNQ:22.7%,US:67.8;EU:17.6;APAC:7.5;EM:6.3;Other:0.8,Value:+0.1;Growth:+1.0;Quality:-0.3;Size:-0.9;Momentum:-0.9;LowVol:+0.5,NoDerivatives,10,25,3.3,hard 10%,128,14.9,Volatile,30.3,3.69,2.4,158,6,48,83,true,Hedge,Buy index puts 1% notional,25,-3,BrokerB,LMT,100,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-12,-13,113,2,false,Tax-aware sells next window
P1568,Opportunistic,Trust,USD,2024-10-08,447931,26144,421787,1.0,66.3,14.7,10.5,8.6,VNQ:19.7%;MUB:21.0%;MSFT:21.0%;TSLA:19.8%;BND:7.6%;AMZN:10.8%,US:68.7;EU:15.1;APAC:7.9;EM:7.6;Other:0.7,Value:+0.6;Growth:-0.2;Quality:+0.1;Size:+0.9;Momentum:+0.1;LowVol:+0.2,MaxPos6%,6,25,6.2,trailing 9%,264,24.9,Sideways,18.7,4.6,3.2,94,31,64,50,false,Buy,Add to core equity +1%,19,-33,BrokerD,MKT,99,None,None,Normal monitoring,113,-19,129,5,false,Increase defensive factor exposure
P1569,Hands-off,401k,USD,2024-11-11,213678,9856,203822,1.0,56.2,16.9,20.3,6.7,QQQ:33.3%;VNQ:33.3%;AMZN:33.3%,US:68.1;EU:9.8;APAC:15.0;EM:3.5;Other:3.7,Value:-1.0;Growth:-0.1;Quality:-0.4;Size:+0.1;Momentum:+0.3;LowVol:+1.0,ESGOnly,5,30,4.4,trailing 8%,131,15.9,Bull,11.4,4.04,2.8,97,16,43,37,false,Buy,Add to core equity +1%,9,-4,BrokerC,LMT,99,None,None,Normal monitoring,-53,-7,-33,3,false,Tax-aware sells next window
P1570,Hands-off,401k,USD,2025-12-09,300629,17348,283281,1.0,63.5,22.2,8.4,5.9,TLT:25.9%;QQQ:22.4%;GLD:25.9%;VTI:25.9%,US:67.4;EU:13.4;APAC:11.7;EM:6.4;Other:1.1,Value:-0.9;Growth:-0.3;Quality:+0.8;Size:-0.9;Momentum:-0.5;LowVol:-0.9,NoDerivatives,7,35,4.3,trailing 8%,112,20.0,Volatile,28.7,4.69,3.3,151,-15,57,68,false,NoAction,Within bands; monitor,7,-11,BrokerD,MKT,0,None,None,Normal monitoring,-19,5,-49,3,false,Tighten stops on momentum names
P1571,Hands-off,Trust,USD,2024-11-12,383785,30143,353642,1.0,61.1,27.6,4.8,6.5,IEF:33.6%;TLT:33.6%;AMZN:32.8%,US:67.3;EU:16.1;APAC:5.8;EM:8.0;Other:2.9,Value:-0.4;Growth:+0.8;Quality:+0.5;Size:+0.5;Momentum:+0.3;LowVol:-0.4,MaxPos5%,5,25,5.3,trailing 8%,129,17.9,Volatile,23.7,3.57,4.5,170,48,68,64,false,Rebalance,Shift +1% to bonds from equity,19,8,BrokerB,LMT,92,None,None,Normal monitoring,-15,-46,91,4,false,Tighten stops on momentum names
P1572,Hands-off,Roth,USD,2024-11-17,439793,43727,396066,1.0,57.0,15.9,18.9,8.3,QQQ:26.7%;BND:19.9%;HYG:26.7%;XLF:26.7%,US:67.9;EU:15.8;APAC:7.9;EM:5.1;Other:3.3,Value:-1.0;Growth:0.0;Quality:+0.7;Size:-0.7;Momentum:+0.4;LowVol:-0.9,MaxPos5%;NoDerivatives,5,35,4.3,trailing 8%,121,16.9,Bull,13.1,4.03,3.4,99,113,100,38,false,Rebalance,Shift +1% to bonds from equity,-9,-15,BrokerB,VWAP,99,None,None,Normal monitoring,118,-54,95,4,false,Within IPS guidelines
P1573,Cautious,Roth,USD,2025-03-28,309341,37607,271734,1.0,53.8,33.5,0.0,12.7,HYG:21.0%;IEF:21.0%;VOO:16.3%;MUB:19.7%;MSFT:11.0%;TSLA:11.1%,US:61.7;EU:15.8;APAC:12.7;EM:6.8;Other:3.0,Value:+0.2;Growth:-0.4;Quality:+0.9;Size:+0.9;Momentum:+0.6;LowVol:+0.3,ESGOnly;MaxPos6%;NoMargin,7,25,3.4,hard 10%,168,15.6,Volatile,30.1,4.81,3.0,136,-35,41,80,true,Hedge,Buy index puts 1% notional,-3,0,BrokerC,VWAP,97,Drift>tolerance,Reduce,Allocation drift beyond policy bands,59,-44,79,3,false,Within IPS guidelines
P1574,Opportunistic,Roth,USD,2025-07-20,625117,23682,601435,1.0,74.0,18.0,0.0,8.0,QQQ:14.3%;TLT:16.6%;MSFT:23.0%;GLD:23.0%;HYG:23.0%,US:69.8;EU:13.7;APAC:8.0;EM:8.0;Other:0.5,Value:-0.3;Growth:-0.8;Quality:+0.8;Size:+0.1;Momentum:-1.0;LowVol:+0.6,NoDerivatives,10,25,5.8,hard 12%,205,20.7,Sideways,19.7,4.91,3.3,109,20,54,65,false,Rebalance,Shift +1% to bonds from equity,5,-6,BrokerA,LMT,100,None,None,Normal monitoring,-44,18,-68,5,false,Monitor dispersion and breadth
P1575,Systematic,Taxable,USD,2024-09-26,1833506,94710,1738796,1.0,60.7,30.3,3.1,5.9,HYG:18.9%;XLF:27.0%;MSFT:27.0%;AAPL:27.0%,US:72.7;EU:11.3;APAC:6.9;EM:4.7;Other:4.4,Value:+0.5;Growth:-0.4;Quality:+0.9;Size:-0.9;Momentum:+0.5;LowVol:+0.3,,7,35,4.5,hard 12%,176,21.6,Bull,16.8,3.77,2.4,79,72,76,43,false,Sell,Trim extended winner -1%,13,-13,BrokerD,LMT,90,None,None,Normal monitoring,108,-21,130,5,false,Increase defensive factor exposure
P1576,Active,IRA,USD,2024-09-21,2000618,140601,1860017,1.0,68.9,22.8,3.3,5.0,AMZN:23.6%;BND:19.3%;IEF:23.6%;XLF:12.9%;VOO:20.6%,US:72.0;EU:9.9;APAC:5.4;EM:9.0;Other:3.8,Value:-0.1;Growth:-0.3;Quality:+0.2;Size:+0.1;Momentum:-0.3;LowVol:-0.4,NoDerivatives,5,30,5.1,trailing 8%,129,22.7,Bull,15.1,4.81,2.5,107,16,59,45,false,Sell,Trim extended winner -1%,-14,-5,BrokerB,MKT,91,None,None,Normal monitoring,-17,-2,-38,5,false,Monitor dispersion and breadth
P1577,Systematic,IRA,USD,2025-10-29,657803,33111,624692,1.0,63.8,28.8,0.6,6.9,XLF:20.3%;AAPL:15.8%;BRK.B:16.3%;VTI:15.4%;HYG:20.3%;AMZN:11.9%,US:63.0;EU:10.7;APAC:8.0;EM:13.8;Other:4.5,Value:+0.8;Growth:+0.3;Quality:+0.7;Size:+0.8;Momentum:+0.7;LowVol:-0.4,,7,25,4.8,trailing 8%,156,19.5,Sideways,18.4,4.7,2.9,113,55,90,55,false,Buy,Add to core equity +1%,35,-4,BrokerA,LMT,90,None,None,Normal monitoring,34,-8,152,5,false,Increase defensive factor exposure
P1578,Hands-off,Roth,USD,2024-12-18,355164,20615,334549,1.0,56.1,29.7,4.5,9.7,MSFT:16.1%;TLT:18.4%;VOO:16.2%;MUB:6.6%;TSLA:21.4%;BND:21.4%,US:68.2;EU:16.1;APAC:10.4;EM:5.1;Other:0.2,Value:-0.4;Growth:+0.7;Quality:-0.9;Size:+0.3;Momentum:-0.0;LowVol:+1.0,,6,25,5.6,trailing 8%,93,15.2,Bear,33.4,3.55,1.7,208,-4,37,73,true,Reduce,"Cut high-beta by 2-3%, add cash",34,7,BrokerD,VWAP,85,VAR>budget,Hedge,Risk above budget threshold,-44,-35,52,2,false,Tighten stops on momentum names
P1579,Cautious,401k,USD,2025-11-28,514484,71680,442804,1.0,44.3,31.6,13.0,11.0,TSLA:14.1%;AMZN:17.5%;XLF:16.2%;BND:20.5%;IEF:10.6%;MUB:21.2%,US:57.8;EU:17.7;APAC:12.0;EM:11.1;Other:1.4,Value:-1.0;Growth:-0.2;Quality:+0.5;Size:-0.7;Momentum:+0.5;LowVol:+0.8,ESGOnly;MaxPos7%;NoMargin,5,25,3.9,trailing 10%,97,19.9,Sideways,18.1,3.51,2.4,138,5,39,47,false,Sell,Trim extended winner -1%,13,-13,BrokerC,LMT,86,None,None,Normal monitoring,-14,-48,94,4,false,Tax-aware sells next window
P1580,Hands-off,401k,USD,2025-10-04,734821,69566,665255,1.0,60.7,15.8,14.1,9.4,TLT:33.3%;BND:33.3%;MUB:33.3%,US:71.9;EU:12.1;APAC:8.2;EM:4.5;Other:3.3,Value:+0.1;Growth:-0.8;Quality:-0.7;Size:-0.2;Momentum:+0.1;LowVol:+0.7,MaxPos6%,5,25,5.3,trailing 8%,144,14.6,Volatile,26.1,4.83,3.1,175,-30,48,61,false,Rebalance,Shift +1% to bonds from equity,5,-25,BrokerA,MKT,99,None,None,Normal monitoring,32,-2,52,3,false,Monitor dispersion and breadth
P1581,Opportunistic,IRA,USD,2025-05-25,582588,22396,560192,1.0,67.0,10.8,13.7,8.5,BRK.B:16.3%;IEF:20.1%;AAPL:19.4%;MSFT:21.6%;AMZN:13.6%;VOO:9.0%,US:70.4;EU:9.7;APAC:10.1;EM:5.0;Other:4.7,Value:-0.1;Growth:-0.2;Quality:-0.3;Size:-0.6;Momentum:+0.8;LowVol:-0.6,MaxPos5%,8,35,4.6,hard 12%,201,30.5,Bull,11.4,4.0,2.2,72,88,92,52,false,Rebalance,Shift +1% to bonds from equity,-10,9,BrokerC,MKT,89,None,None,Normal monitoring,1,-35,0,3,false,Tax-aware sells next window
P1582,Hands-off,401k,USD,2025-07-27,648286,53807,594479,1.0,71.8,17.0,3.9,7.3,BND:23.4%;TSLA:8.5%;AMZN:23.4%;AAPL:21.4%;GLD:23.4%,US:59.1;EU:15.1;APAC:11.4;EM:12.8;Other:1.7,Value:0.0;Growth:+1.0;Quality:-0.3;Size:+0.1;Momentum:+0.7;LowVol:+0.2,,10,35,5.4,trailing 8%,161,13.1,Sideways,16.4,4.6,3.5,131,29,65,50,false,Buy,Add to core equity +1%,-15,-28,BrokerD,VWAP,96,None,None,Normal monitoring,41,-8,51,4,false,Monitor dispersion and breadth
P1583,Hands-off,401k,USD,2025-03-26,855522,82938,772584,1.0,71.2,20.4,0.0,8.4,MUB:19.8%;TSLA:14.6%;BRK.B:21.8%;XLF:21.8%;MSFT:21.8%,US:71.9;EU:10.3;APAC:8.4;EM:7.5;Other:1.9,Value:-0.5;Growth:+0.9;Quality:0.0;Size:-0.2;Momentum:+0.8;LowVol:+0.8,MaxPos7%,5,30,3.6,trailing 8%,111,14.7,Bull,15.1,4.28,2.7,85,62,95,42,true,Hedge,Buy index puts 1% notional,7,3,BrokerD,LMT,98,VAR>budget,Reduce,Risk above budget threshold,23,18,102,4,false,Tighten stops on momentum names
P1584,Hands-off,Roth,USD,2025-02-05,398994,16583,382411,1.0,66.2,20.9,4.3,8.5,AMZN:24.0%;AAPL:24.0%;TSLA:9.4%;TLT:18.5%;BRK.B:24.0%,US:57.9;EU:17.8;APAC:14.0;EM:8.2;Other:2.2,Value:-0.5;Growth:-0.3;Quality:+0.1;Size:-0.3;Momentum:-0.2;LowVol:+0.5,ESGOnly;MaxPos5%,8,35,4.7,trailing 8%,167,17.6,Bull,14.2,4.8,3.4,116,94,100,45,false,NoAction,Within bands; monitor,-5,15,BrokerA,LMT,93,None,None,Normal monitoring,63,16,102,4,false,Tighten stops on momentum names
P1585,Active,401k,USD,2025-08-05,1590531,131924,1458607,1.06,54.3,24.0,16.4,5.3,TSLA:17.9%;BND:26.3%;MUB:27.9%;IEF:27.9%,US:56.6;EU:22.0;APAC:11.8;EM:7.6;Other:2.1,Value:+0.9;Growth:-0.7;Quality:+0.4;Size:+0.9;Momentum:-0.3;LowVol:+0.9,MaxPos8%,7,30,5.6,trailing 9%,160,19.1,Bull,12.0,3.57,3.3,92,113,100,43,false,NoAction,Within bands; monitor,23,1,BrokerC,LMT,86,None,None,Normal monitoring,50,-57,175,4,false,Tighten stops on momentum names
P1586,Hands-off,IRA,USD,2025-08-15,788922,77588,711334,1.0,68.5,23.6,0.0,7.8,HYG:20.3%;IEF:20.6%;TLT:19.0%;VOO:19.7%;BRK.B:20.4%,US:70.3;EU:6.7;APAC:14.6;EM:6.3;Other:2.1,Value:-0.1;Growth:-0.4;Quality:+0.5;Size:-0.5;Momentum:+0.9;LowVol:-0.9,ESGOnly,7,30,3.9,trailing 8%,105,16.3,Bull,13.3,4.43,3.1,120,116,100,46,true,Rebalance,Rebalance back to target bands,28,1,BrokerD,VWAP,98,Drift>tolerance,Reduce,Allocation drift beyond policy bands,37,8,45,5,true,Within IPS guidelines
P1587,Systematic,401k,USD,2025-12-25,1521428,113434,1407994,1.0,62.6,30.5,0.0,6.9,XLF:23.2%;IEF:19.5%;HYG:10.7%;VTI:23.2%;MUB:23.2%,US:63.6;EU:12.5;APAC:13.1;EM:8.1;Other:2.6,Value:-0.4;Growth:-0.1;Quality:+0.3;Size:-0.4;Momentum:+0.4;LowVol:+0.2,NoDerivatives,6,30,5.2,trailing 8%,199,25.2,Volatile,24.1,5.09,3.3,126,43,68,71,true,Hedge,Buy index puts 1% notional,4,-11,BrokerB,LMT,97,Drift>tolerance,Hedge,Allocation drift beyond policy bands,29,-56,65,4,false,Increase defensive factor exposure
P1588,Cautious,Trust,USD,2025-09-29,201560,21598,179962,1.0,35.5,34.1,15.7,14.7,BRK.B:33.3%;AAPL:33.3%;QQQ:33.3%,US:67.2;EU:12.1;APAC:12.4;EM:4.2;Other:4.1,Value:-0.5;Growth:-0.6;Quality:-0.8;Size:-0.5;Momentum:+0.9;LowVol:-0.3,MaxPos8%;NoMargin,7,35,3.3,trailing 8%,91,13.1,Bull,17.7,4.89,2.4,78,6,67,41,false,Sell,Trim extended winner -1%,20,4,BrokerD,LMT,99,None,None,Normal monitoring,5,19,-27,4,false,Increase defensive factor exposure
P1589,Opportunistic,Roth,USD,2025-08-03,1538438,124257,1414181,1.0,64.8,15.8,13.5,6.0,BRK.B:22.6%;TLT:25.8%;IEF:25.8%;GLD:25.8%,US:71.5;EU:9.9;APAC:8.5;EM:9.9;Other:0.3,Value:+0.7;Growth:+0.5;Quality:+0.4;Size:+0.8;Momentum:-0.1;LowVol:-0.1,,8,30,6.5,hard 12%,181,23.2,Bull,16.3,3.51,2.6,88,88,99,59,false,Sell,Trim extended winner -1%,-6,-10,BrokerC,MKT,85,None,None,Normal monitoring,51,-28,14,4,false,Within IPS guidelines
P1590,Cautious,IRA,USD,2025-11-11,882477,92504,789973,1.0,48.0,38.0,0.0,14.0,TLT:20.4%;AAPL:20.4%;HYG:17.0%;QQQ:13.4%;IEF:20.4%;VOO:8.4%,US:66.8;EU:15.9;APAC:5.7;EM:8.4;Other:3.2,Value:+0.8;Growth:-0.4;Quality:-0.2;Size:+0.9;Momentum:-0.0;LowVol:-0.8,ESGOnly;NoDerivatives;NoMargin,7,35,3.8,hard 10%,133,16.2,Bull,14.1,4.41,2.3,101,31,64,47,false,Rebalance,Shift +1% to bonds from equity,31,-30,BrokerC,LMT,96,None,None,Normal monitoring,63,-44,117,5,false,Tighten stops on momentum names
P1591,Active,IRA,USD,2024-09-06,2008079,170307,1837772,1.0,62.5,22.8,6.8,7.9,BRK.B:25.7%;MUB:22.8%;XLF:25.7%;IEF:25.7%,US:63.7;EU:14.1;APAC:9.0;EM:10.6;Other:2.6,Value:-0.0;Growth:+1.0;Quality:-0.1;Size:-0.2;Momentum:+0.4;LowVol:-1.0,MaxPos7%,6,25,4.1,trailing 9%,212,20.5,Sideways,20.5,3.89,3.0,135,-8,39,53,false,Rebalance,Shift +1% to bonds from equity,25,0,BrokerC,MKT,90,None,None,Normal monitoring,78,1,41,3,false,Tax-aware sells next window
P1592,Opportunistic,401k,USD,2025-09-08,1331052,76922,1254130,1.0,75.6,11.3,7.5,5.6,XLF:27.6%;TLT:27.6%;MSFT:27.6%;BRK.B:17.3%,US:59.7;EU:17.4;APAC:16.2;EM:6.6;Other:0.2,Value:+0.8;Growth:+0.2;Quality:-0.7;Size:+0.3;Momentum:+0.8;LowVol:-0.1,MaxPos6%,6,35,6.8,trailing 7%,264,31.1,Sideways,15.9,4.08,3.5,94,-5,37,63,false,Buy,Add to core equity +1%,11,-18,BrokerB,MKT,98,None,None,Normal monitoring,55,-24,164,5,false,Monitor dispersion and breadth
P1593,Hands-off,Roth,USD,2025-10-21,743556,68827,674729,1.0,63.2,16.4,13.2,7.1,TLT:16.8%;AAPL:27.7%;VOO:27.7%;VTI:27.7%,US:72.0;EU:6.4;APAC:11.6;EM:7.9;Other:2.1,Value:-0.8;Growth:-0.4;Quality:-0.1;Size:-0.9;Momentum:+0.1;LowVol:-0.5,ESGOnly,6,25,4.2,trailing 8%,148,15.6,Bull,15.8,4.24,2.3,95,10,66,52,true,Reduce,"Cut high-beta by 2-3%, add cash",32,-34,BrokerA,LMT,99,RegimeShift,Hedge,Volatility spike and breadth deterioration,25,2,134,2,false,Tax-aware sells next window
P1594,Active,IRA,USD,2024-09-08,516489,57731,458758,1.14,59.6,29.1,4.8,6.6,BRK.B:34.0%;TSLA:32.1%;XLF:34.0%,US:67.1;EU:16.5;APAC:11.7;EM:4.4;Other:0.2,Value:-0.9;Growth:+0.2;Quality:+0.4;Size:-0.1;Momentum:+0.8;LowVol:+0.2,MaxPos7%;NoDerivatives,10,25,5.3,trailing 9%,216,20.1,Volatile,31.2,4.6,2.9,119,-2,43,74,true,Hedge,Buy index puts 1% notional,9,-31,BrokerD,MKT,99,VAR>budget,Hedge,Risk above budget threshold,7,-37,26,3,false,Within IPS guidelines
P1595,Cautious,Trust,USD,2025-04-13,366116,31125,334991,1.0,44.4,32.0,11.2,12.4,BND:25.9%;XLF:22.3%;QQQ:25.9%;BRK.B:25.9%,US:73.6;EU:5.5;APAC:11.9;EM:7.5;Other:1.4,Value:-0.9;Growth:-0.0;Quality:+0.7;Size:-0.8;Momentum:-0.7;LowVol:+0.2,NoMargin,8,25,5.3,trailing 8%,125,13.8,Bear,26.8,4.26,1.5,197,-79,15,56,false,Buy,Add to core equity +1%,14,-33,BrokerC,LMT,86,None,None,Normal monitoring,104,-45,71,3,false,Tighten stops on momentum names
P1596,Systematic,Roth,USD,2025-11-22,1657573,153962,1503611,1.0,61.9,32.5,0.0,5.6,HYG:15.0%;VTI:21.0%;MSFT:20.2%;GLD:21.9%;VOO:21.9%,US:66.2;EU:14.5;APAC:12.6;EM:3.9;Other:2.9,Value:-1.0;Growth:+0.7;Quality:+0.7;Size:-0.8;Momentum:-0.4;LowVol:-0.7,,6,30,5.1,trailing 9%,199,22.1,Sideways,14.1,3.77,2.5,122,-9,46,50,false,Rebalance,Shift +1% to bonds from equity,-1,-3,BrokerA,MKT,93,None,None,Normal monitoring,-30,-55,21,3,false,Within IPS guidelines
P1597,Hands-off,IRA,USD,2024-12-20,361190,26024,335166,1.0,65.6,23.5,3.6,7.3,IEF:33.3%;XLF:33.3%;GLD:33.3%,US:64.9;EU:16.5;APAC:11.4;EM:5.1;Other:2.1,Value:-0.6;Growth:+0.7;Quality:+0.8;Size:+0.4;Momentum:-0.0;LowVol:+0.8,ESGOnly,7,30,4.3,trailing 10%,127,15.6,Sideways,20.8,3.66,2.0,123,53,71,53,false,Sell,Trim extended winner -1%,4,-19,BrokerC,VWAP,86,None,None,Normal monitoring,-15,-27,15,3,false,Within IPS guidelines
P1598,Opportunistic,Taxable,USD,2024-08-23,1494069,82784,1411285,1.0,74.5,17.5,0.0,8.0,MUB:33.3%;BRK.B:33.3%;AAPL:33.3%,US:73.7;EU:8.9;APAC:8.6;EM:5.9;Other:3.0,Value:+0.8;Growth:-0.3;Quality:-0.8;Size:+0.7;Momentum:+0.7;LowVol:-0.6,,5,25,5.5,trailing 7%,195,34.4,Sideways,14.2,4.68,2.0,138,48,75,51,false,Buy,Add to core equity +1%,20,-25,BrokerC,MKT,90,None,None,Normal monitoring,4,-18,139,3,false,Tighten stops on momentum names
P1599,Systematic,Trust,USD,2025-03-25,1062342,74279,988063,1.0,65.0,28.0,0.0,7.0,XLF:33.3%;VOO:33.3%;MUB:33.3%,US:54.7;EU:21.3;APAC:13.0;EM:8.3;Other:2.7,Value:-0.4;Growth:0.0;Quality:-0.0;Size:-0.9;Momentum:-0.9;LowVol:-0.5,MaxPos6%,7,35,5.6,trailing 9%,223,21.6,Bull,15.8,3.9,2.1,74,10,66,43,false,Buy,Add to core equity +1%,-14,9,BrokerC,VWAP,93,None,None,Normal monitoring,120,-30,113,4,false,Tax-aware sells next window
P1600,Hands-off,Taxable,USD,2024-12-10,419912,19712,400200,1.0,66.2,27.5,1.0,5.4,AAPL:23.0%;AMZN:25.7%;HYG:25.7%;XLF:25.7%,US:69.7;EU:17.5;APAC:6.4;EM:3.5;Other:2.8,Value:-0.1;Growth:-0.5;Quality:-0.2;Size:0.0;Momentum:-0.6;LowVol:-0.7,,5,30,3.5,hard 10%,154,19.0,Volatile,30.0,3.87,3.2,173,-43,26,71,true,Hedge,Buy index puts 1% notional,-14,-21,BrokerB,LMT,92,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-8,-30,92,5,true,Increase defensive factor exposure
P1601,Systematic,Trust,USD,2024-07-19,835989,71865,764124,1.0,56.9,20.2,17.2,5.7,TLT:7.0%;TSLA:21.7%;BND:10.4%;AMZN:22.2%;VTI:16.6%;GLD:22.2%,US:57.8;EU:13.8;APAC:14.0;EM:10.7;Other:3.7,Value:+0.7;Growth:+0.2;Quality:+0.1;Size:-1.0;Momentum:-0.4;LowVol:-0.3,NoDerivatives,8,30,5.8,hard 12%,149,26.7,Bull,14.9,4.2,2.9,94,70,87,48,false,Rebalance,Shift +1% to bonds from equity,13,10,BrokerB,LMT,92,None,None,Normal monitoring,55,-19,87,4,false,Tax-aware sells next window
P1602,Hands-off,Roth,USD,2024-07-26,227810,20340,207470,1.0,68.9,25.6,0.0,5.5,GLD:33.3%;TLT:33.3%;HYG:33.3%,US:60.0;EU:14.2;APAC:14.7;EM:5.8;Other:5.4,Value:-0.2;Growth:-0.7;Quality:+0.4;Size:+0.1;Momentum:+0.4;LowVol:-0.3,ESGOnly,8,30,3.9,hard 10%,122,13.5,Bull,17.5,4.73,3.4,110,36,71,59,true,Hedge,Buy index puts 1% notional,-11,-22,BrokerD,LMT,90,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-4,-28,45,4,false,Monitor dispersion and breadth
P1603,Active,Roth,USD,2025-07-11,2152533,199382,1953151,1.0,62.4,28.0,0.0,9.7,QQQ:26.3%;VTI:26.3%;AAPL:21.1%;MSFT:26.3%,US:74.5;EU:6.5;APAC:10.9;EM:4.2;Other:3.9,Value:0.0;Growth:+0.8;Quality:-0.9;Size:-0.7;Momentum:-0.9;LowVol:-0.3,,6,30,5.9,trailing 8%,134,25.6,Bull,14.2,4.19,2.3,101,25,69,40,false,Buy,Add to core equity +1%,23,-1,BrokerC,LMT,90,None,None,Normal monitoring,8,-2,-8,3,false,Within IPS guidelines
P1604,Systematic,Trust,USD,2024-10-31,622128,31419,590709,1.0,63.8,28.2,0.0,8.0,BRK.B:13.2%;QQQ:19.4%;BND:21.5%;MSFT:10.7%;HYG:19.4%;TSLA:15.7%,US:76.9;EU:9.1;APAC:8.5;EM:3.1;Other:2.4,Value:-0.4;Growth:-0.8;Quality:-0.5;Size:+0.6;Momentum:+0.7;LowVol:+0.5,,7,30,5.5,trailing 8%,148,25.9,Sideways,15.2,3.79,2.4,93,37,82,53,false,Rebalance,Shift +1% to bonds from equity,-10,-2,BrokerC,MKT,99,None,None,Normal monitoring,72,-5,42,4,false,Monitor dispersion and breadth
P1605,Active,Trust,USD,2024-12-27,1511274,108140,1403134,1.0,67.2,26.3,0.0,6.5,MUB:33.3%;TLT:33.3%;QQQ:33.3%,US:67.0;EU:10.7;APAC:8.6;EM:11.0;Other:2.7,Value:+0.8;Growth:+0.6;Quality:-0.0;Size:+0.1;Momentum:+0.8;LowVol:-0.7,,7,35,4.9,trailing 9%,192,27.0,Sideways,14.5,3.86,2.3,98,42,83,50,true,Hedge,Buy index puts 1% notional,-5,-6,BrokerB,VWAP,95,VAR>budget,Hedge,Risk above budget threshold,120,-17,190,3,false,Monitor dispersion and breadth
P1606,Active,IRA,USD,2025-05-05,2350736,248735,2102001,1.0,63.1,25.3,2.1,9.5,BRK.B:33.3%;TLT:33.3%;VTI:33.3%,US:65.7;EU:13.1;APAC:9.7;EM:6.0;Other:5.5,Value:+0.2;Growth:+0.9;Quality:-0.7;Size:-0.5;Momentum:-0.7;LowVol:+0.2,MaxPos8%;NoDerivatives,7,30,4.1,trailing 9%,162,19.6,Bull,12.6,4.02,2.1,91,102,100,45,false,Rebalance,Shift +1% to bonds from equity,12,-2,BrokerC,MKT,85,None,None,Normal monitoring,26,-17,24,5,false,Increase defensive factor exposure
P1607,Hands-off,Roth,USD,2025-10-02,543079,24795,518284,1.0,70.4,20.3,0.0,9.3,BRK.B:25.0%;VOO:25.0%;AMZN:25.0%;IEF:25.0%,US:68.1;EU:15.5;APAC:10.6;EM:5.8;Other:0.1,Value:+0.4;Growth:+0.7;Quality:+0.1;Size:+0.3;Momentum:-0.2;LowVol:+0.9,,6,35,5.5,trailing 8%,121,17.5,Volatile,27.5,4.33,2.2,134,59,70,70,false,Sell,Trim extended winner -1%,-5,8,BrokerD,MKT,99,None,None,Normal monitoring,105,-36,135,5,false,Monitor dispersion and breadth
P1608,Hands-off,IRA,USD,2025-03-21,529028,29884,499144,1.0,57.0,16.5,20.4,6.2,QQQ:19.7%;HYG:9.1%;BND:21.7%;AMZN:21.7%;IEF:21.7%;GLD:6.0%,US:62.8;EU:14.4;APAC:12.5;EM:6.5;Other:3.9,Value:+0.5;Growth:-0.3;Quality:-0.7;Size:-0.8;Momentum:-0.9;LowVol:-0.5,,8,30,5.9,trailing 8%,130,14.9,Bear,28.6,4.42,1.6,160,33,67,76,true,Rebalance,Rebalance back to target bands,25,-13,BrokerD,MKT,100,RegimeShift,Pause,Volatility spike and breadth deterioration,-57,-19,13,5,false,Within IPS guidelines
P1609,Cautious,Taxable,USD,2024-07-07,274648,24266,250382,1.0,47.6,40.5,0.0,11.9,HYG:31.2%;VTI:34.4%;IEF:34.4%,US:66.8;EU:13.8;APAC:10.6;EM:7.3;Other:1.5,Value:+0.9;Growth:-0.9;Quality:-0.1;Size:+0.9;Momentum:-0.4;LowVol:-0.9,ESGOnly;NoDerivatives;NoMargin,7,35,5.1,hard 10%,92,12.4,Volatile,24.5,3.73,4.5,176,-55,29,67,false,Rebalance,Shift +1% to bonds from equity,14,-30,BrokerB,MKT,92,None,None,Normal monitoring,102,-8,225,4,false,Increase defensive factor exposure
P1610,Hands-off,Trust,USD,2025-03-14,635729,46948,588781,1.0,61.7,21.9,6.9,9.5,VOO:17.7%;VTI:27.4%;IEF:27.4%;MSFT:27.4%,US:69.6;EU:9.9;APAC:8.7;EM:5.6;Other:6.3,Value:-0.7;Growth:-0.1;Quality:+0.5;Size:-0.8;Momentum:0.0;LowVol:-0.9,MaxPos5%,5,25,5.1,hard 10%,98,17.2,Volatile,21.8,4.44,2.5,163,-35,44,67,false,Sell,Trim extended winner -1%,25,-37,BrokerC,MKT,100,None,None,Normal monitoring,60,-40,158,3,false,Tighten stops on momentum names
P1611,Systematic,Roth,USD,2025-08-12,1617791,86470,1531321,1.0,58.1,22.1,14.6,5.2,MUB:21.6%;QQQ:13.5%;VTI:21.6%;VNQ:21.6%;BRK.B:9.3%;IEF:12.4%,US:63.1;EU:15.9;APAC:10.9;EM:5.7;Other:4.4,Value:+0.3;Growth:-1.0;Quality:+0.8;Size:-0.1;Momentum:-0.7;LowVol:+0.4,,10,35,5.8,trailing 9%,122,17.6,Bull,14.0,4.87,2.9,70,9,66,40,false,Rebalance,Shift +1% to bonds from equity,35,-1,BrokerA,LMT,92,None,None,Normal monitoring,97,0,182,3,false,Tighten stops on momentum names
P1612,Systematic,Taxable,USD,2024-12-09,467274,42909,424365,1.0,62.1,30.9,0.0,6.9,VOO:15.7%;TLT:21.1%;BRK.B:21.1%;VNQ:21.1%;MSFT:21.1%,US:64.4;EU:6.1;APAC:14.7;EM:11.0;Other:3.7,Value:+0.4;Growth:-0.5;Quality:-0.4;Size:+0.2;Momentum:-0.4;LowVol:-0.5,,6,30,5.6,trailing 9%,120,16.6,Bear,34.6,3.84,2.3,217,6,57,88,true,Hedge,Buy index puts 1% notional,7,-22,BrokerC,LMT,85,VAR>budget,Hedge,Risk above budget threshold,72,0,129,2,true,Tax-aware sells next window
P1613,Systematic,401k,USD,2024-11-28,1128797,112413,1016384,1.0,58.1,32.6,0.0,9.3,GLD:25.3%;TLT:11.8%;IEF:12.2%;QQQ:25.3%;AMZN:25.3%,US:70.0;EU:5.4;APAC:13.8;EM:6.3;Other:4.4,Value:-0.4;Growth:+0.9;Quality:-0.3;Size:-0.7;Momentum:-1.0;LowVol:-0.6,MaxPos5%,7,25,5.6,trailing 8%,145,20.2,Bull,15.1,3.57,3.4,85,100,100,36,true,Hedge,Buy index puts 1% notional,9,-11,BrokerD,MKT,89,Drift>tolerance,Hedge,Allocation drift beyond policy bands,36,8,0,4,true,Increase defensive factor exposure
P1614,Cautious,Trust,USD,2024-12-07,792671,72207,720464,1.0,42.4,36.4,6.4,14.8,QQQ:26.9%;AAPL:26.9%;MUB:19.4%;VOO:26.9%,US:67.6;EU:17.1;APAC:7.3;EM:4.2;Other:3.9,Value:0.0;Growth:+0.2;Quality:+1.0;Size:-0.3;Momentum:-0.7;LowVol:-0.7,ESGOnly;MaxPos8%;NoDerivatives;NoMargin,8,25,4.1,trailing 8%,125,19.3,Volatile,29.5,4.82,3.7,134,48,88,57,false,NoAction,Within bands; monitor,-1,-26,BrokerB,MKT,0,None,None,Normal monitoring,36,-59,66,4,false,Increase defensive factor exposure
P1615,Hands-off,Trust,USD,2024-09-20,573476,31300,542176,1.0,68.8,16.2,8.8,6.2,AAPL:27.9%;MSFT:27.9%;AMZN:16.4%;VOO:27.9%,US:68.2;EU:10.8;APAC:12.4;EM:6.8;Other:1.8,Value:-0.2;Growth:-0.5;Quality:+0.8;Size:-0.1;Momentum:+0.4;LowVol:-0.3,ESGOnly,5,35,4.4,hard 10%,145,14.9,Sideways,17.2,4.48,2.1,100,-21,38,47,false,Rebalance,Shift +1% to bonds from equity,27,-25,BrokerA,VWAP,91,None,None,Normal monitoring,15,19,13,4,false,Within IPS guidelines
P1616,Active,Roth,USD,2025-08-07,906130,103401,802729,1.0,55.4,31.9,7.7,5.0,TLT:24.0%;GLD:15.4%;BND:24.0%;IEF:16.2%;VTI:20.4%,US:67.3;EU:8.7;APAC:12.4;EM:9.4;Other:2.2,Value:-0.6;Growth:+0.7;Quality:+0.1;Size:+0.4;Momentum:+0.5;LowVol:-0.6,NoDerivatives,8,30,4.6,trailing 8%,157,17.5,Sideways,21.3,4.72,2.3,120,-14,47,51,false,Sell,Trim extended winner -1%,12,-2,BrokerB,VWAP,89,None,None,Normal monitoring,-45,-50,-45,3,false,Increase defensive factor exposure
P1617,Cautious,Taxable,USD,2025-01-05,775639,123416,652223,1.0,39.1,44.2,2.1,14.6,MUB:23.6%;AMZN:27.3%;VNQ:21.8%;VTI:27.3%,US:71.5;EU:14.4;APAC:5.7;EM:5.5;Other:3.0,Value:-0.9;Growth:+0.3;Quality:+0.1;Size:-0.4;Momentum:+0.2;LowVol:-1.0,MaxPos6%;NoMargin,10,25,4.4,trailing 8%,130,19.8,Sideways,16.2,4.25,2.9,99,8,64,28,false,Rebalance,Shift +1% to bonds from equity,15,-31,BrokerA,LMT,85,None,None,Normal monitoring,78,18,98,5,false,Monitor dispersion and breadth
P1618,Opportunistic,IRA,USD,2024-08-04,1093912,42253,1051659,1.0,60.6,10.8,22.4,6.2,BND:33.3%;IEF:33.3%;MUB:33.3%,US:71.7;EU:7.7;APAC:11.1;EM:6.4;Other:3.0,Value:-0.8;Growth:+0.6;Quality:-0.1;Size:+0.3;Momentum:-0.5;LowVol:+1.0,,10,25,4.8,trailing 7%,232,23.9,Bull,15.4,3.66,3.0,105,95,97,43,false,NoAction,Within bands; monitor,2,-12,BrokerD,MKT,0,None,None,Normal monitoring,64,-18,135,4,false,Tighten stops on momentum names
P1619,Systematic,401k,USD,2025-02-05,862454,57899,804555,1.0,60.2,22.6,11.7,5.5,VNQ:13.7%;TLT:21.4%;QQQ:23.5%;GLD:23.5%;BRK.B:17.9%,US:67.0;EU:13.0;APAC:7.4;EM:9.9;Other:2.7,Value:-0.3;Growth:+0.2;Quality:+0.1;Size:-0.7;Momentum:-0.9;LowVol:-0.6,MaxPos7%,5,25,5.1,trailing 8%,222,19.0,Bull,17.5,4.48,2.1,115,103,92,42,false,Sell,Trim extended winner -1%,24,-11,BrokerB,MKT,92,None,None,Normal monitoring,79,18,67,3,false,Tighten stops on momentum names
P1620,Systematic,Trust,USD,2024-11-16,1849689,98756,1750933,1.0,58.3,33.5,0.0,8.2,VNQ:33.3%;MUB:33.3%;AMZN:33.3%,US:72.0;EU:6.2;APAC:8.2;EM:12.4;Other:1.2,Value:+0.6;Growth:0.0;Quality:-0.2;Size:-0.5;Momentum:-1.0;LowVol:+0.5,MaxPos6%;NoDerivatives,6,30,5.1,trailing 8%,122,21.6,Bull,17.2,4.99,2.2,91,41,71,56,false,Sell,Trim extended winner -1%,8,0,BrokerB,MKT,99,None,None,Normal monitoring,69,-39,55,4,false,Tax-aware sells next window
P1621,Opportunistic,Roth,USD,2025-07-16,1373013,104139,1268874,1.0,64.3,19.0,8.5,8.2,VTI:21.7%;AAPL:26.1%;VOO:26.1%;HYG:26.1%,US:63.9;EU:7.2;APAC:13.9;EM:9.9;Other:5.2,Value:+0.4;Growth:-0.6;Quality:-0.8;Size:+0.7;Momentum:+0.3;LowVol:+0.7,MaxPos5%,10,25,4.5,trailing 9%,181,26.6,Volatile,31.1,4.04,3.3,144,-11,39,76,true,Rebalance,Rebalance back to target bands,10,-32,BrokerA,MKT,96,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-41,-58,-25,4,false,Increase defensive factor exposure
P1622,Cautious,IRA,USD,2024-08-22,174449,26132,148317,1.0,46.3,31.2,9.1,13.3,AAPL:18.7%;GLD:15.2%;AMZN:17.6%;TLT:19.5%;VNQ:13.8%;XLF:15.1%,US:66.9;EU:12.6;APAC:12.4;EM:4.3;Other:3.9,Value:-0.5;Growth:+0.6;Quality:-0.4;Size:-0.9;Momentum:+0.3;LowVol:+0.1,ESGOnly;NoMargin,7,25,3.2,hard 10%,103,17.3,Sideways,21.2,4.13,2.8,140,17,46,54,false,Rebalance,Shift +1% to bonds from equity,7,7,BrokerB,VWAP,95,None,None,Normal monitoring,-53,-49,41,4,false,Tax-aware sells next window
P1623,Active,401k,USD,2025-06-17,522545,50445,472100,1.0,68.0,22.8,0.0,9.2,GLD:33.3%;TSLA:33.3%;BRK.B:33.3%,US:73.7;EU:11.0;APAC:7.1;EM:3.9;Other:4.3,Value:+0.1;Growth:-0.1;Quality:+0.3;Size:+0.9;Momentum:-0.3;LowVol:-0.0,NoDerivatives,7,25,5.1,hard 12%,160,23.4,Volatile,31.3,5.39,3.4,174,-32,48,79,true,Hedge,Buy index puts 1% notional,24,-1,BrokerD,MKT,86,VAR>budget,Hedge,Risk above budget threshold,81,-5,217,3,false,Tax-aware sells next window
P1624,Hands-off,Trust,USD,2025-01-29,184170,14500,169670,1.0,60.1,17.6,13.2,9.1,TSLA:24.6%;AAPL:12.3%;XLF:24.6%;MSFT:14.0%;BND:24.6%,US:64.8;EU:12.0;APAC:9.6;EM:11.3;Other:2.2,Value:-1.0;Growth:+0.7;Quality:-0.3;Size:+1.0;Momentum:-0.6;LowVol:-0.4,ESGOnly;MaxPos8%,5,30,3.4,trailing 8%,152,19.3,Bear,24.2,4.28,2.4,213,23,55,64,false,Rebalance,Shift +1% to bonds from equity,20,-4,BrokerA,MKT,98,None,None,Normal monitoring,118,-54,139,4,false,Monitor dispersion and breadth
P1625,Active,Trust,USD,2025-05-24,630394,53867,576527,1.0,53.2,26.0,14.4,6.4,IEF:19.7%;HYG:21.2%;BND:21.2%;GLD:19.6%;TSLA:18.2%,US:65.3;EU:15.3;APAC:7.5;EM:8.6;Other:3.2,Value:+0.2;Growth:+0.9;Quality:+0.7;Size:-0.4;Momentum:+0.8;LowVol:-0.5,,6,30,4.5,trailing 9%,138,22.6,Volatile,30.4,4.37,4.0,156,38,63,69,false,Hedge,Add TLT +1% as duration hedge,14,3,BrokerC,MKT,91,None,None,Normal monitoring,-21,-20,36,4,false,Tax-aware sells next window
P1626,Cautious,Roth,USD,2025-04-25,437517,50657,386860,1.0,44.5,31.4,7.1,16.9,BND:21.4%;VOO:16.3%;HYG:21.4%;QQQ:21.4%;TSLA:19.6%,US:71.7;EU:10.9;APAC:5.0;EM:9.8;Other:2.6,Value:+0.2;Growth:-0.2;Quality:+0.4;Size:+0.8;Momentum:-0.7;LowVol:-0.7,NoMargin,5,35,4.2,hard 10%,112,19.9,Volatile,27.9,4.24,2.4,160,-43,39,63,false,Rebalance,Shift +1% to bonds from equity,0,-20,BrokerD,MKT,96,None,None,Normal monitoring,37,-44,112,3,false,Tighten stops on momentum names
P1627,Systematic,Roth,USD,2024-10-26,683049,39816,643233,1.0,67.1,24.6,0.1,8.1,AAPL:34.2%;TSLA:31.6%;VOO:34.2%,US:72.1;EU:11.8;APAC:5.2;EM:7.9;Other:3.0,Value:+0.6;Growth:-0.0;Quality:-0.4;Size:+0.6;Momentum:-1.0;LowVol:+0.2,MaxPos8%,10,35,5.2,trailing 8%,222,26.4,Bear,33.9,4.42,1.2,208,15,53,97,true,Hedge,Buy index puts 1% notional,1,-1,BrokerB,LMT,100,Drift>tolerance,Hedge,Allocation drift beyond policy bands,89,-13,86,2,false,Monitor dispersion and breadth
P1628,Systematic,Taxable,USD,2025-07-20,1467591,128702,1338889,1.0,60.9,23.4,10.4,5.3,HYG:12.5%;VOO:19.6%;VNQ:21.0%;VTI:18.3%;BRK.B:11.4%;AAPL:17.2%,US:66.9;EU:13.2;APAC:8.6;EM:7.8;Other:3.5,Value:-0.0;Growth:+0.2;Quality:-0.9;Size:-0.5;Momentum:-0.9;LowVol:+0.1,,5,25,5.4,trailing 8%,212,19.1,Bull,13.8,5.0,3.0,81,24,54,36,false,Buy,Add to core equity +1%,-6,-8,BrokerD,LMT,90,None,None,Normal monitoring,13,-20,20,5,false,Monitor dispersion and breadth
P1629,Opportunistic,Roth,USD,2025-04-13,436891,31488,405403,1.23,72.5,20.3,0.0,7.2,AMZN:28.4%;VTI:28.4%;XLF:28.4%;MSFT:14.7%,US:66.1;EU:16.2;APAC:9.6;EM:7.0;Other:1.1,Value:-0.3;Growth:-0.3;Quality:+0.4;Size:-0.3;Momentum:-0.4;LowVol:+0.9,MaxPos7%,5,30,4.6,hard 12%,182,25.0,Volatile,28.5,4.31,2.2,125,-54,22,76,true,Reduce,"Cut high-beta by 2-3%, add cash",-2,2,BrokerC,MKT,99,VAR>budget,Hedge,Risk above budget threshold,3,13,41,4,false,Monitor dispersion and breadth
P1630,Cautious,IRA,USD,2025-12-06,239412,26751,212661,1.0,41.0,41.5,1.0,16.5,MSFT:33.3%;TLT:33.3%;XLF:33.3%,US:59.3;EU:19.0;APAC:12.8;EM:4.2;Other:4.7,Value:-0.3;Growth:-0.5;Quality:+0.5;Size:-0.1;Momentum:-0.5;LowVol:+0.2,ESGOnly;NoMargin,8,35,3.9,trailing 10%,92,13.0,Bear,28.6,3.14,2.8,203,-72,19,59,false,Hedge,Add TLT +1% as duration hedge,3,-16,BrokerC,MKT,94,None,None,Normal monitoring,67,-19,189,3,false,Within IPS guidelines
P1631,Cautious,Trust,USD,2025-03-25,271539,40418,231121,1.0,42.6,44.0,0.0,13.4,IEF:33.3%;AMZN:33.3%;VTI:33.3%,US:74.9;EU:6.8;APAC:11.1;EM:4.6;Other:2.6,Value:+0.6;Growth:-1.0;Quality:+0.3;Size:+0.5;Momentum:+0.1;LowVol:-0.7,ESGOnly;MaxPos5%;NoMargin,8,30,4.0,trailing 10%,91,18.4,Volatile,22.4,4.1,2.5,122,-20,42,60,false,Rebalance,Shift +1% to bonds from equity,33,-38,BrokerA,LMT,89,None,None,Normal monitoring,8,-2,28,3,false,Increase defensive factor exposure
P1632,Hands-off,401k,USD,2024-09-26,397420,35647,361773,1.0,73.0,19.4,0.0,7.5,XLF:9.8%;BRK.B:21.5%;GLD:6.5%;VTI:21.5%;VNQ:21.5%;TSLA:19.2%,US:63.5;EU:7.0;APAC:17.5;EM:10.1;Other:1.9,Value:-0.5;Growth:-0.1;Quality:+0.1;Size:-1.0;Momentum:-0.6;LowVol:-0.8,ESGOnly;NoDerivatives,7,35,4.8,trailing 8%,164,12.4,Bear,34.7,3.0,2.5,160,-89,5,100,true,Hedge,Buy index puts 1% notional,-15,-10,BrokerB,VWAP,94,VAR>budget,Reduce,Risk above budget threshold,99,-12,225,2,false,Within IPS guidelines
P1633,Cautious,IRA,USD,2025-08-28,290697,39178,251519,1.0,43.1,40.2,1.3,15.4,XLF:33.3%;MUB:33.3%;GLD:33.3%,US:63.1;EU:16.3;APAC:12.2;EM:6.2;Other:2.3,Value:0.0;Growth:+0.7;Quality:+0.1;Size:-0.5;Momentum:-0.4;LowVol:-0.1,ESGOnly;NoMargin,7,30,4.4,trailing 8%,158,19.4,Bear,24.9,3.83,2.0,208,-52,35,58,false,Sell,Trim extended winner -1%,21,-19,BrokerD,LMT,87,None,None,Normal monitoring,26,9,76,4,false,Tax-aware sells next window
P1634,Opportunistic,Taxable,USD,2025-01-30,658516,42275,616241,1.0,61.9,16.0,14.1,8.0,IEF:19.3%;MUB:13.3%;AAPL:23.3%;VOO:23.3%;BRK.B:20.8%,US:73.9;EU:10.3;APAC:7.8;EM:5.6;Other:2.5,Value:-1.0;Growth:0.0;Quality:+0.4;Size:-0.5;Momentum:-0.7;LowVol:-0.9,MaxPos5%,6,35,5.3,trailing 9%,270,23.1,Bull,14.1,4.4,2.3,78,31,71,36,false,Rebalance,Shift +1% to bonds from equity,-3,-29,BrokerD,LMT,99,None,None,Normal monitoring,-55,-3,11,3,false,Increase defensive factor exposure
P1635,Cautious,401k,USD,2025-04-24,431800,64214,367586,1.0,38.4,36.5,14.8,10.2,MUB:26.0%;GLD:21.9%;TLT:26.0%;QQQ:26.0%,US:62.6;EU:13.1;APAC:9.2;EM:9.7;Other:5.5,Value:-0.3;Growth:-0.3;Quality:0.0;Size:-0.2;Momentum:+0.3;LowVol:+0.4,NoMargin,8,35,4.3,trailing 10%,128,18.6,Bull,16.4,4.77,3.3,92,119,100,38,true,Hedge,Buy index puts 1% notional,1,-19,BrokerA,MKT,96,VAR>budget,Reduce,Risk above budget threshold,-47,-44,29,4,false,Increase defensive factor exposure
P1636,Hands-off,Roth,USD,2024-10-06,459227,21103,438124,1.0,66.9,23.5,0.0,9.6,QQQ:27.3%;VOO:27.3%;IEF:18.2%;VTI:27.3%,US:59.7;EU:16.9;APAC:11.6;EM:7.7;Other:4.2,Value:+0.2;Growth:-0.3;Quality:-0.2;Size:-0.4;Momentum:-0.3;LowVol:-1.0,NoDerivatives,5,25,3.2,hard 10%,113,13.5,Bull,13.2,4.5,3.5,85,89,89,41,false,Buy,Add to core equity +1%,5,-28,BrokerB,MKT,85,None,None,Normal monitoring,62,-3,135,3,false,Monitor dispersion and breadth
P1637,Hands-off,Roth,USD,2024-12-05,829174,36218,792956,1.0,68.1,27.1,0.0,4.9,GLD:20.7%;QQQ:27.2%;TLT:25.0%;VOO:27.2%,US:65.4;EU:14.1;APAC:11.5;EM:4.8;Other:4.2,Value:+0.6;Growth:+0.3;Quality:-0.3;Size:-0.9;Momentum:-0.4;LowVol:+0.3,NoDerivatives,10,25,5.4,trailing 8%,124,14.3,Volatile,25.0,5.49,3.1,171,35,73,66,false,NoAction,Within bands; monitor,24,-9,BrokerB,MKT,0,None,None,Normal monitoring,5,-32,-8,4,false,Monitor dispersion and breadth
P1638,Cautious,Trust,USD,2025-05-28,774962,71226,703736,1.0,48.8,38.6,0.0,12.6,QQQ:16.5%;HYG:16.0%;TSLA:26.1%;BRK.B:26.1%;VOO:15.2%,US:65.1;EU:13.6;APAC:7.5;EM:10.4;Other:3.4,Value:+0.1;Growth:+0.2;Quality:+0.3;Size:+0.7;Momentum:-0.3;LowVol:-0.8,ESGOnly;MaxPos8%;NoMargin,6,35,5.6,trailing 8%,98,14.7,Sideways,17.9,4.07,2.5,124,-14,36,37,false,Hedge,Add TLT +1% as duration hedge,12,-35,BrokerC,MKT,91,None,None,Normal monitoring,52,-37,27,5,false,Increase defensive factor exposure
P1639,Active,Taxable,USD,2024-08-10,800528,78509,722019,1.23,66.4,25.7,0.0,8.0,HYG:25.0%;TSLA:25.0%;AAPL:25.0%;VNQ:25.0%,US:76.7;EU:6.8;APAC:7.2;EM:4.5;Other:4.8,Value:+1.0;Growth:+0.7;Quality:+0.4;Size:-0.4;Momentum:+1.0;LowVol:+0.8,MaxPos8%,10,35,4.2,trailing 8%,175,26.5,Volatile,26.3,3.78,2.4,122,58,69,65,true,Hedge,Buy index puts 1% notional,-13,0,BrokerD,LMT,96,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-57,-1,-5,2,false,Increase defensive factor exposure
P1640,Hands-off,Roth,USD,2025-01-13,862671,70650,792021,1.0,66.8,19.8,7.4,6.0,AAPL:33.3%;VTI:33.3%;MUB:33.3%,US:59.6;EU:17.8;APAC:8.9;EM:8.6;Other:5.0,Value:+0.1;Growth:-0.7;Quality:-0.7;Size:+0.3;Momentum:-0.3;LowVol:-0.5,ESGOnly;NoDerivatives,6,35,5.9,hard 10%,121,19.4,Bull,16.7,4.76,2.9,86,16,64,57,false,Hedge,Add TLT +1% as duration hedge,15,-12,BrokerD,LMT,99,None,None,Normal monitoring,40,-50,78,5,false,Monitor dispersion and breadth
P1641,Hands-off,IRA,USD,2025-10-23,612672,52211,560461,1.0,70.2,24.3,0.0,5.4,MSFT:33.3%;IEF:33.3%;VNQ:33.3%,US:69.1;EU:19.0;APAC:7.7;EM:3.4;Other:0.7,Value:+0.5;Growth:-0.1;Quality:+0.8;Size:-0.7;Momentum:+0.2;LowVol:+0.1,,8,35,5.7,trailing 8%,103,12.2,Sideways,20.9,4.73,2.0,139,6,67,53,false,Rebalance,Shift +1% to bonds from equity,-14,-21,BrokerC,LMT,90,None,None,Normal monitoring,40,18,21,3,false,Within IPS guidelines
P1642,Systematic,Trust,USD,2024-09-27,590323,33742,556581,1.0,62.3,30.3,0.0,7.4,BRK.B:24.0%;TLT:12.1%;IEF:24.0%;MSFT:24.0%;VOO:15.8%,US:62.2;EU:15.4;APAC:16.0;EM:5.0;Other:1.3,Value:-0.2;Growth:-0.2;Quality:+0.2;Size:+0.7;Momentum:+0.7;LowVol:-0.1,MaxPos7%,5,35,4.8,trailing 9%,126,20.3,Volatile,22.6,3.68,3.6,153,14,65,58,false,Rebalance,Shift +1% to bonds from equity,26,-8,BrokerA,MKT,93,None,None,Normal monitoring,-32,-36,-71,3,false,Monitor dispersion and breadth
P1643,Cautious,IRA,USD,2025-12-13,283993,24672,259321,1.0,39.9,30.4,13.6,16.2,GLD:31.6%;TLT:34.2%;VOO:34.2%,US:76.0;EU:12.1;APAC:7.3;EM:4.1;Other:0.5,Value:-0.2;Growth:-1.0;Quality:-0.5;Size:0.0;Momentum:+0.9;LowVol:-0.1,ESGOnly;NoDerivatives;NoMargin,8,30,5.3,hard 10%,139,13.4,Bear,24.4,4.06,1.9,214,-96,5,49,false,Sell,Trim extended winner -1%,6,-1,BrokerD,MKT,91,None,None,Normal monitoring,68,-2,182,3,false,Monitor dispersion and breadth
P1644,Opportunistic,Roth,USD,2024-07-20,1524979,53367,1471612,1.0,65.1,21.6,6.6,6.7,VTI:33.3%;HYG:33.3%;TSLA:33.3%,US:59.8;EU:10.5;APAC:13.7;EM:12.3;Other:3.7,Value:+0.8;Growth:+0.9;Quality:-0.5;Size:-0.7;Momentum:+0.9;LowVol:-0.2,MaxPos8%,5,35,5.0,hard 12%,247,23.1,Bull,13.4,4.88,2.4,83,65,78,47,false,Rebalance,Shift +1% to bonds from equity,-1,-15,BrokerB,LMT,92,None,None,Normal monitoring,25,-32,41,4,false,Tighten stops on momentum names
P1645,Opportunistic,Roth,USD,2025-10-24,1019920,63693,956227,1.0,73.0,13.2,7.2,6.6,AAPL:27.2%;TSLA:36.4%;IEF:36.4%,US:68.6;EU:15.3;APAC:5.6;EM:8.4;Other:2.1,Value:-0.8;Growth:-0.8;Quality:-0.6;Size:-0.7;Momentum:-0.2;LowVol:+0.1,,10,30,4.0,hard 12%,256,27.8,Bull,13.9,4.75,2.1,106,82,83,46,false,Rebalance,Shift +1% to bonds from equity,-9,-23,BrokerC,VWAP,92,None,None,Normal monitoring,-9,-31,78,4,false,Increase defensive factor exposure
P1646,Systematic,Roth,USD,2025-11-04,1854859,167428,1687431,1.0,68.8,23.7,1.4,6.1,VTI:26.4%;BRK.B:17.7%;XLF:28.0%;MUB:28.0%,US:71.2;EU:8.4;APAC:10.6;EM:7.9;Other:1.9,Value:+0.8;Growth:-0.3;Quality:+0.9;Size:+0.2;Momentum:-0.9;LowVol:+0.1,MaxPos7%,8,30,5.9,hard 12%,166,18.8,Bull,15.9,4.69,3.4,116,92,100,50,true,Rebalance,Rebalance back to target bands,11,-23,BrokerB,VWAP,100,VAR>budget,TightenStops,Risk above budget threshold,20,10,137,2,false,Tax-aware sells next window
P1647,Cautious,Taxable,USD,2025-02-01,198498,19667,178831,1.0,49.0,39.0,0.0,12.0,VTI:22.1%;MUB:8.5%;QQQ:12.6%;HYG:16.8%;VOO:17.9%;IEF:22.1%,US:68.0;EU:8.8;APAC:14.0;EM:5.0;Other:4.2,Value:+0.2;Growth:-0.9;Quality:-0.1;Size:+0.2;Momentum:+0.1;LowVol:-0.1,ESGOnly;NoDerivatives;NoMargin,5,25,3.2,hard 10%,129,16.5,Volatile,26.5,5.28,2.7,133,2,59,72,true,Hedge,Buy index puts 1% notional,-12,-3,BrokerB,VWAP,100,RegimeShift,Hedge,Volatility spike and breadth deterioration,-23,13,-11,4,false,Tighten stops on momentum names
P1648,Opportunistic,Taxable,USD,2024-08-28,1105323,83189,1022134,1.0,75.9,15.4,3.5,5.3,GLD:33.3%;TSLA:33.3%;MUB:33.3%,US:59.7;EU:10.7;APAC:12.9;EM:11.6;Other:5.0,Value:+0.5;Growth:-0.6;Quality:0.0;Size:0.0;Momentum:+0.5;LowVol:+0.6,NoDerivatives,5,25,4.8,trailing 9%,278,27.4,Sideways,14.6,3.58,2.8,119,26,61,52,false,Rebalance,Shift +1% to bonds from equity,15,-17,BrokerC,LMT,95,None,None,Normal monitoring,-57,-26,63,5,false,Increase defensive factor exposure
P1649,Active,Roth,USD,2025-03-29,847330,77762,769568,1.0,61.4,29.9,3.3,5.5,XLF:33.3%;VTI:33.3%;HYG:33.3%,US:66.6;EU:13.5;APAC:11.8;EM:6.2;Other:1.9,Value:+0.9;Growth:-1.0;Quality:-0.1;Size:-0.3;Momentum:+0.5;LowVol:+0.5,NoDerivatives,8,35,5.9,trailing 8%,201,21.4,Bear,32.6,3.47,2.9,176,-112,5,72,true,Rebalance,Rebalance back to target bands,3,7,BrokerB,MKT,96,VAR>budget,Pause,Risk above budget threshold,44,0,16,5,false,Tax-aware sells next window
P1650,Active,401k,USD,2025-10-05,1034704,83081,951623,1.1,64.5,22.5,3.7,9.3,TSLA:33.3%;VTI:33.3%;IEF:33.3%,US:62.8;EU:12.6;APAC:13.7;EM:6.1;Other:4.9,Value:-0.6;Growth:-1.0;Quality:-0.4;Size:+0.3;Momentum:+0.3;LowVol:-0.3,,8,25,6.0,hard 12%,170,22.4,Bull,16.5,4.14,2.5,108,40,64,49,false,Sell,Trim extended winner -1%,29,13,BrokerD,MKT,93,None,None,Normal monitoring,100,-44,144,3,false,Within IPS guidelines
P1651,Opportunistic,Roth,USD,2025-11-15,1283127,84756,1198371,1.12,63.3,20.7,10.9,5.1,AMZN:32.8%;VNQ:33.6%;TSLA:33.6%,US:72.8;EU:11.9;APAC:5.4;EM:8.3;Other:1.6,Value:+0.5;Growth:+0.6;Quality:+0.9;Size:+0.5;Momentum:-0.6;LowVol:-1.0,MaxPos5%,7,30,6.4,hard 12%,266,30.6,Volatile,25.2,4.37,3.5,120,42,71,66,false,Rebalance,Shift +1% to bonds from equity,17,-22,BrokerC,LMT,96,None,None,Normal monitoring,21,-42,12,5,false,Monitor dispersion and breadth
P1652,Cautious,Roth,USD,2025-12-05,564762,51122,513640,1.0,53.6,32.6,3.2,10.6,MSFT:16.3%;AMZN:23.0%;TLT:30.3%;VOO:30.3%,US:63.9;EU:13.8;APAC:7.2;EM:12.2;Other:2.9,Value:-0.7;Growth:+0.9;Quality:-0.0;Size:+0.4;Momentum:-0.8;LowVol:-0.1,NoMargin,7,35,6.0,trailing 8%,115,14.9,Bull,14.3,4.73,2.3,72,4,52,47,false,Hedge,Add TLT +1% as duration hedge,33,5,BrokerB,LMT,94,None,None,Normal monitoring,18,-16,122,5,false,Within IPS guidelines
P1653,Cautious,401k,USD,2024-09-10,818021,127185,690836,1.0,39.3,35.7,9.3,15.6,BRK.B:33.3%;TSLA:33.3%;MSFT:33.3%,US:64.5;EU:14.2;APAC:13.4;EM:5.7;Other:2.2,Value:-0.4;Growth:+0.5;Quality:-0.4;Size:0.0;Momentum:+0.3;LowVol:+0.6,ESGOnly;NoDerivatives;NoMargin,5,30,3.0,trailing 10%,162,18.2,Bull,15.6,4.78,2.9,73,38,77,30,false,Buy,Add to core equity +1%,33,-16,BrokerD,MKT,99,None,None,Normal monitoring,119,17,203,5,false,Monitor dispersion and breadth
P1654,Systematic,IRA,USD,2024-07-13,1083422,103515,979907,1.0,64.6,25.7,0.0,9.7,XLF:13.7%;AAPL:19.8%;VOO:21.9%;QQQ:8.6%;HYG:15.4%;VTI:20.5%,US:73.6;EU:9.6;APAC:7.9;EM:7.0;Other:1.8,Value:+0.5;Growth:-0.7;Quality:-0.3;Size:+0.4;Momentum:-0.2;LowVol:-0.2,NoDerivatives,5,35,5.9,hard 12%,135,25.2,Sideways,20.6,4.65,3.4,93,42,82,63,false,Rebalance,Shift +1% to bonds from equity,30,-22,BrokerB,LMT,94,None,None,Normal monitoring,119,9,123,3,false,Monitor dispersion and breadth
P1655,Systematic,Roth,USD,2025-10-05,1052252,102768,949484,1.0,57.1,30.4,5.8,6.7,BRK.B:27.5%;TSLA:19.4%;IEF:27.5%;MUB:25.6%,US:76.3;EU:8.7;APAC:5.2;EM:8.8;Other:1.0,Value:-0.6;Growth:+0.4;Quality:-0.3;Size:-0.7;Momentum:+0.9;LowVol:-0.3,MaxPos6%,10,30,4.6,trailing 8%,154,23.1,Volatile,30.0,3.81,4.1,165,-27,33,79,true,Hedge,Buy index puts 1% notional,8,-4,BrokerA,MKT,97,VAR>budget,Hedge,Risk above budget threshold,65,1,103,2,false,Within IPS guidelines
P1656,Cautious,IRA,USD,2025-07-03,202908,22380,180528,1.0,46.8,33.2,7.2,12.8,BND:21.4%;AAPL:18.2%;TSLA:20.6%;BRK.B:21.4%;TLT:18.4%,US:64.8;EU:16.7;APAC:11.5;EM:6.4;Other:0.6,Value:-0.0;Growth:-0.0;Quality:-0.8;Size:-0.5;Momentum:+0.6;LowVol:+0.1,NoMargin,10,35,3.8,trailing 8%,92,12.2,Sideways,17.8,4.72,3.2,118,20,67,53,false,Rebalance,Shift +1% to bonds from equity,14,-40,BrokerB,LMT,96,None,None,Normal monitoring,41,-38,76,3,false,Tighten stops on momentum names
P1657,Cautious,IRA,USD,2025-05-12,325675,33129,292546,1.0,43.1,32.0,14.1,10.8,MSFT:17.9%;BRK.B:6.6%;VNQ:20.2%;HYG:20.2%;VOO:17.4%;XLF:17.7%,US:63.2;EU:15.3;APAC:12.5;EM:8.2;Other:0.8,Value:+0.9;Growth:-0.2;Quality:-0.6;Size:-0.3;Momentum:-0.9;LowVol:+0.3,ESGOnly;NoDerivatives;NoMargin,10,35,4.4,trailing 8%,139,17.9,Bear,30.9,3.01,2.6,183,33,71,75,true,Rebalance,Rebalance back to target bands,0,-5,BrokerC,MKT,88,Drift>tolerance,Hedge,Allocation drift beyond policy bands,1,-47,65,4,false,Increase defensive factor exposure
P1658,Active,401k,USD,2024-07-15,522492,48072,474420,1.0,53.9,32.0,5.1,9.0,TLT:21.0%;BRK.B:13.0%;BND:21.1%;AAPL:12.4%;VNQ:11.3%;MUB:21.1%,US:65.2;EU:8.3;APAC:13.7;EM:10.2;Other:2.6,Value:+0.7;Growth:+0.8;Quality:-0.3;Size:+0.5;Momentum:-0.4;LowVol:-0.0,NoDerivatives,6,35,5.0,trailing 8%,165,23.1,Bull,12.3,4.01,3.2,102,106,100,28,false,Buy,Add to core equity +1%,0,5,BrokerC,MKT,94,None,None,Normal monitoring,92,10,57,4,false,Within IPS guidelines
P1659,Systematic,Roth,USD,2024-12-04,1715012,158257,1556755,1.0,68.7,25.3,0.0,6.0,AMZN:26.2%;VTI:26.2%;GLD:26.2%;MUB:21.5%,US:65.3;EU:11.0;APAC:6.8;EM:12.1;Other:4.9,Value:-0.8;Growth:+0.2;Quality:0.0;Size:-0.6;Momentum:-0.4;LowVol:-0.8,NoDerivatives,8,35,5.2,trailing 9%,159,24.0,Volatile,23.3,4.68,2.8,137,68,90,61,false,Buy,Add to core equity +1%,35,-35,BrokerA,MKT,89,None,None,Normal monitoring,115,-36,172,3,false,Monitor dispersion and breadth
P1660,Active,Taxable,USD,2025-01-29,1671845,142919,1528926,1.19,61.1,20.1,13.5,5.3,GLD:25.0%;MSFT:25.0%;VNQ:25.0%;HYG:25.0%,US:73.4;EU:16.0;APAC:5.8;EM:3.2;Other:1.6,Value:-0.3;Growth:+0.1;Quality:0.0;Size:+0.4;Momentum:+0.2;LowVol:+0.7,,7,30,4.1,trailing 9%,194,21.3,Volatile,23.5,4.76,2.3,148,28,71,54,false,Rebalance,Shift +1% to bonds from equity,5,-20,BrokerA,MKT,88,None,None,Normal monitoring,36,-33,51,5,false,Within IPS guidelines
P1661,Opportunistic,Roth,USD,2025-05-27,307335,14181,293154,1.0,70.4,18.7,4.7,6.2,TSLA:10.4%;HYG:20.3%;TLT:11.9%;GLD:21.5%;XLF:14.4%;AAPL:21.5%,US:58.7;EU:17.2;APAC:11.1;EM:10.3;Other:2.7,Value:+1.0;Growth:-0.3;Quality:+0.2;Size:+0.9;Momentum:+0.4;LowVol:+0.4,MaxPos5%,6,35,6.9,trailing 7%,259,23.9,Bull,12.2,4.74,3.3,85,75,75,41,false,Sell,Trim extended winner -1%,0,-21,BrokerD,MKT,88,None,None,Normal monitoring,-27,6,86,4,false,Monitor dispersion and breadth
P1662,Systematic,IRA,USD,2024-12-11,772656,39217,733439,1.0,62.3,29.8,0.0,8.0,GLD:24.0%;XLF:16.0%;HYG:16.0%;VNQ:24.0%;TLT:20.1%,US:71.8;EU:9.7;APAC:13.9;EM:3.4;Other:1.2,Value:-0.2;Growth:-0.5;Quality:-0.9;Size:-0.5;Momentum:-0.5;LowVol:+0.3,NoDerivatives,8,25,4.1,trailing 9%,213,27.8,Bull,14.0,4.11,2.4,112,56,85,52,false,Rebalance,Shift +1% to bonds from equity,6,11,BrokerA,LMT,91,None,None,Normal monitoring,97,-17,234,4,false,Monitor dispersion and breadth
P1663,Systematic,Roth,USD,2025-05-19,1943354,90989,1852365,1.0,64.2,27.0,0.0,8.8,HYG:22.4%;IEF:14.2%;VOO:9.6%;BRK.B:11.2%;TLT:20.3%;BND:22.4%,US:65.1;EU:9.8;APAC:14.2;EM:5.6;Other:5.2,Value:-0.6;Growth:+0.7;Quality:+0.6;Size:-0.2;Momentum:+0.7;LowVol:-0.5,MaxPos8%,10,30,4.8,trailing 9%,147,25.4,Sideways,15.5,4.24,2.9,136,-20,38,48,false,Rebalance,Shift +1% to bonds from equity,9,5,BrokerD,MKT,99,None,None,Normal monitoring,29,-29,109,3,false,Within IPS guidelines
P1664,Systematic,Trust,USD,2025-12-19,1368228,124550,1243678,1.0,63.7,27.3,3.7,5.2,XLF:23.2%;BRK.B:23.2%;QQQ:14.8%;TSLA:15.7%;MSFT:23.2%,US:68.3;EU:10.9;APAC:8.9;EM:7.5;Other:4.4,Value:+0.3;Growth:+0.5;Quality:-1.0;Size:-0.9;Momentum:+0.2;LowVol:-0.8,MaxPos7%,7,35,5.5,trailing 8%,218,21.5,Bull,15.5,4.96,2.6,85,46,84,43,false,Sell,Trim extended winner -1%,22,-35,BrokerB,LMT,90,None,None,Normal monitoring,71,-10,187,5,false,Increase defensive factor exposure
P1665,Hands-off,Taxable,USD,2025-10-28,388598,22361,366237,1.0,69.2,19.7,2.0,9.1,HYG:34.7%;TLT:30.6%;AAPL:34.7%,US:70.3;EU:13.6;APAC:7.4;EM:6.7;Other:2.0,Value:-0.7;Growth:-0.0;Quality:-0.2;Size:-0.4;Momentum:-0.3;LowVol:+0.3,,8,35,5.7,trailing 10%,101,18.0,Bear,30.2,3.46,1.5,182,-101,10,87,true,Hedge,Buy index puts 1% notional,1,-35,BrokerB,MKT,97,Drift>tolerance,Reduce,Allocation drift beyond policy bands,53,2,108,3,false,Within IPS guidelines
P1666,Active,Trust,USD,2025-02-02,782965,92564,690401,1.0,56.3,26.4,10.7,6.6,QQQ:22.1%;AMZN:7.4%;IEF:20.0%;BRK.B:10.3%;GLD:22.1%;HYG:18.0%,US:59.9;EU:22.2;APAC:13.2;EM:4.6;Other:0.1,Value:-0.3;Growth:-0.2;Quality:+0.9;Size:-1.0;Momentum:+0.4;LowVol:+0.1,MaxPos8%,5,30,5.4,hard 12%,156,18.2,Sideways,14.5,3.99,2.9,117,-24,41,41,false,Rebalance,Shift +1% to bonds from equity,21,-2,BrokerA,MKT,98,None,None,Normal monitoring,56,-53,80,4,false,Within IPS guidelines
P1667,Cautious,401k,USD,2025-10-22,618149,70768,547381,1.0,45.7,32.3,5.5,16.5,BND:33.3%;VTI:33.3%;BRK.B:33.3%,US:63.4;EU:18.8;APAC:7.0;EM:10.4;Other:0.5,Value:+0.4;Growth:+0.4;Quality:-0.3;Size:+0.1;Momentum:-1.0;LowVol:-0.3,NoMargin,7,25,3.4,hard 10%,170,13.5,Volatile,24.7,4.29,2.9,165,9,68,54,false,Buy,Add to core equity +1%,-12,-9,BrokerB,VWAP,86,None,None,Normal monitoring,-44,-25,-47,3,false,Increase defensive factor exposure
P1668,Hands-off,Taxable,USD,2025-01-26,197797,19715,178082,1.0,59.8,23.0,9.8,7.4,XLF:27.2%;BND:27.2%;AMZN:27.2%;GLD:18.5%,US:60.3;EU:17.5;APAC:10.2;EM:10.1;Other:1.9,Value:+0.3;Growth:+1.0;Quality:+0.9;Size:+0.9;Momentum:-0.2;LowVol:+0.3,NoDerivatives,8,35,4.7,trailing 8%,161,15.2,Sideways,20.0,4.35,3.0,118,30,74,65,false,NoAction,Within bands; monitor,28,9,BrokerC,MKT,0,None,None,Normal monitoring,-36,10,-43,3,false,Tighten stops on momentum names
P1669,Active,Roth,USD,2024-12-24,2258557,264439,1994118,1.13,63.7,25.6,2.0,8.7,HYG:33.3%;VOO:33.3%;XLF:33.3%,US:69.2;EU:16.1;APAC:5.6;EM:8.3;Other:0.9,Value:-1.0;Growth:-0.2;Quality:+0.1;Size:-0.7;Momentum:-0.3;LowVol:-0.2,NoDerivatives,7,25,5.0,hard 12%,213,19.4,Bear,22.8,3.57,1.1,195,-21,25,66,false,Sell,Trim extended winner -1%,-5,11,BrokerA,MKT,92,None,None,Normal monitoring,-31,-39,-24,5,false,Within IPS guidelines
P1670,Opportunistic,Taxable,USD,2025-08-27,1000993,56655,944338,1.0,65.4,20.9,6.2,7.5,MUB:23.1%;TLT:23.1%;MSFT:12.5%;HYG:23.1%;QQQ:8.7%;VOO:9.6%,US:62.7;EU:18.6;APAC:9.9;EM:5.4;Other:3.4,Value:-0.6;Growth:+0.4;Quality:-0.4;Size:-0.7;Momentum:-0.4;LowVol:-0.8,NoDerivatives,8,25,6.8,trailing 9%,214,27.2,Volatile,23.8,5.27,2.5,135,-10,32,59,false,Hedge,Add TLT +1% as duration hedge,-1,12,BrokerB,VWAP,85,None,None,Normal monitoring,20,-20,29,4,false,Within IPS guidelines
P1671,Opportunistic,Trust,USD,2025-08-07,1532895,107875,1425020,1.08,69.6,11.3,11.2,8.0,QQQ:25.0%;VTI:25.0%;HYG:25.0%;BND:25.0%,US:71.7;EU:13.8;APAC:8.5;EM:2.8;Other:3.1,Value:+0.1;Growth:+0.9;Quality:-0.0;Size:+0.2;Momentum:+0.6;LowVol:+0.8,,6,25,5.6,trailing 7%,161,33.0,Bear,23.0,4.08,1.7,220,-120,5,67,false,NoAction,Within bands; monitor,-12,-4,BrokerB,LMT,91,None,None,Normal monitoring,-3,-8,64,3,false,Within IPS guidelines
P1672,Systematic,401k,USD,2024-07-21,763849,37270,726579,1.0,61.1,22.3,7.7,8.9,AMZN:27.3%;BRK.B:23.9%;VTI:21.7%;HYG:27.1%,US:61.7;EU:11.7;APAC:10.1;EM:11.3;Other:5.2,Value:-0.8;Growth:+0.2;Quality:+0.4;Size:-0.9;Momentum:-0.4;LowVol:+0.1,MaxPos5%;NoDerivatives,8,30,5.4,trailing 8%,176,20.1,Sideways,19.5,4.01,2.2,112,-3,56,60,false,Hedge,Add TLT +1% as duration hedge,12,-12,BrokerD,LMT,100,None,None,Normal monitoring,51,-40,71,3,false,Monitor dispersion and breadth
P1673,Systematic,Trust,USD,2025-04-07,1446246,133596,1312650,1.0,59.7,29.2,2.8,8.3,BND:25.8%;AAPL:25.8%;BRK.B:25.8%;VNQ:22.7%,US:70.2;EU:10.5;APAC:5.3;EM:10.0;Other:4.0,Value:-0.9;Growth:-0.4;Quality:-0.5;Size:-0.7;Momentum:-0.9;LowVol:+0.4,MaxPos6%,6,35,5.6,trailing 8%,129,23.4,Volatile,24.2,5.35,2.2,144,-2,44,59,false,NoAction,Within bands; monitor,29,-14,BrokerD,MKT,0,None,None,Normal monitoring,-57,-13,-31,3,false,Within IPS guidelines
P1674,Cautious,Trust,USD,2025-11-15,519494,55711,463783,1.0,46.7,36.2,6.6,10.5,MSFT:14.4%;HYG:17.9%;AAPL:20.9%;BND:15.3%;VOO:20.9%;VTI:10.6%,US:65.3;EU:12.4;APAC:10.7;EM:7.9;Other:3.7,Value:+0.6;Growth:-0.1;Quality:+0.1;Size:+0.6;Momentum:-0.3;LowVol:+0.1,ESGOnly;MaxPos5%;NoDerivatives;NoMargin,6,30,4.4,trailing 8%,125,17.4,Bull,11.1,4.58,2.7,78,75,80,29,false,Sell,Trim extended winner -1%,-2,-7,BrokerC,MKT,90,None,None,Normal monitoring,-26,-18,69,5,false,Within IPS guidelines
P1675,Active,IRA,USD,2025-09-07,1830077,191334,1638743,1.0,64.0,29.9,0.0,6.2,MUB:28.8%;BRK.B:28.8%;AMZN:28.8%;BND:13.7%,US:53.4;EU:17.8;APAC:13.1;EM:11.1;Other:4.6,Value:+0.6;Growth:-0.6;Quality:+0.6;Size:+0.8;Momentum:+1.0;LowVol:+0.1,NoDerivatives,6,25,5.9,trailing 8%,191,18.6,Sideways,17.8,4.74,3.3,95,-12,46,44,false,Buy,Add to core equity +1%,-5,5,BrokerA,MKT,86,None,None,Normal monitoring,53,-30,14,4,false,Within IPS guidelines
P1676,Hands-off,Trust,USD,2025-05-05,581580,54795,526785,1.0,61.4,27.5,1.7,9.4,QQQ:17.4%;BND:22.6%;TLT:22.6%;HYG:22.6%;GLD:14.9%,US:71.8;EU:13.3;APAC:7.3;EM:5.7;Other:2.0,Value:-0.2;Growth:-0.7;Quality:+0.8;Size:-0.3;Momentum:-0.2;LowVol:-0.2,ESGOnly;NoDerivatives,10,25,3.1,hard 10%,136,15.1,Bear,25.6,3.41,2.5,165,-107,6,70,false,Rebalance,Shift +1% to bonds from equity,8,-31,BrokerC,LMT,98,None,None,Normal monitoring,-25,12,77,5,false,Monitor dispersion and breadth
P1677,Active,401k,USD,2025-12-02,2012358,126682,1885676,1.25,50.4,21.2,19.0,9.5,BND:14.6%;BRK.B:24.6%;XLF:11.5%;QQQ:24.6%;VNQ:24.6%,US:62.1;EU:6.3;APAC:15.5;EM:12.4;Other:3.8,Value:-0.4;Growth:+0.4;Quality:-0.1;Size:-0.4;Momentum:-0.5;LowVol:+0.9,,8,30,4.7,trailing 9%,226,21.4,Volatile,29.6,3.8,2.9,169,-43,42,72,true,Reduce,"Cut high-beta by 2-3%, add cash",-12,2,BrokerD,MKT,89,VAR>budget,Hedge,Risk above budget threshold,97,-15,226,4,false,Tighten stops on momentum names
P1678,Active,IRA,USD,2025-04-11,1146598,95130,1051468,1.0,56.2,21.7,13.7,8.3,MUB:23.7%;VOO:20.2%;MSFT:28.0%;BND:28.0%,US:59.6;EU:16.4;APAC:11.3;EM:8.0;Other:4.7,Value:0.0;Growth:+0.4;Quality:+0.6;Size:+0.5;Momentum:+1.0;LowVol:+0.7,,6,30,5.1,hard 12%,212,19.1,Bull,17.3,3.62,2.2,111,16,69,39,false,Rebalance,Shift +1% to bonds from equity,-2,1,BrokerA,LMT,92,None,None,Normal monitoring,20,-58,105,4,false,Tax-aware sells next window
P1679,Active,Taxable,USD,2025-11-21,1750023,149126,1600897,1.0,62.1,25.4,5.2,7.3,VTI:25.2%;XLF:24.5%;AAPL:25.2%;TLT:25.2%,US:67.3;EU:12.5;APAC:7.1;EM:12.1;Other:1.0,Value:-0.3;Growth:-1.0;Quality:-1.0;Size:-0.2;Momentum:-0.9;LowVol:+0.8,MaxPos7%,6,25,5.7,trailing 8%,168,19.8,Bull,15.9,4.86,2.2,103,97,100,39,false,Rebalance,Shift +1% to bonds from equity,17,4,BrokerD,MKT,99,None,None,Normal monitoring,90,13,102,5,false,Tighten stops on momentum names
P1680,Hands-off,IRA,USD,2024-12-09,372331,34974,337357,1.0,72.5,16.8,1.1,9.7,TSLA:22.2%;MUB:11.4%;BRK.B:22.2%;GLD:22.2%;QQQ:22.2%,US:75.0;EU:6.9;APAC:10.9;EM:6.7;Other:0.5,Value:-0.4;Growth:-0.5;Quality:-1.0;Size:+0.1;Momentum:+0.1;LowVol:+0.6,MaxPos8%;NoDerivatives,10,30,3.1,trailing 8%,94,17.4,Sideways,17.7,4.36,2.3,101,26,77,54,false,Rebalance,Shift +1% to bonds from equity,-9,-30,BrokerD,MKT,93,None,None,Normal monitoring,81,-1,216,5,false,Within IPS guidelines
P1681,Cautious,IRA,USD,2024-11-14,782041,81282,700759,1.0,46.0,34.8,4.2,15.0,VOO:13.3%;AAPL:13.0%;VNQ:17.2%;GLD:16.7%;HYG:19.1%;BND:20.6%,US:60.8;EU:15.0;APAC:12.6;EM:10.4;Other:1.2,Value:-0.3;Growth:-0.6;Quality:-0.4;Size:+0.3;Momentum:-1.0;LowVol:-0.4,NoMargin,8,25,3.2,trailing 8%,115,19.8,Volatile,26.9,3.9,3.1,136,-40,36,70,false,Rebalance,Shift +1% to bonds from equity,23,-10,BrokerA,MKT,99,None,None,Normal monitoring,100,-39,109,5,false,Within IPS guidelines
P1682,Cautious,IRA,USD,2025-02-23,664092,83156,580936,1.0,46.5,35.5,6.6,11.4,IEF:19.8%;BRK.B:9.7%;BND:20.5%;QQQ:10.1%;MUB:20.5%;GLD:19.5%,US:68.7;EU:8.7;APAC:10.1;EM:7.3;Other:5.3,Value:-0.4;Growth:-0.6;Quality:-0.8;Size:-0.3;Momentum:-0.6;LowVol:+0.6,MaxPos5%;NoDerivatives;NoMargin,5,25,3.5,trailing 8%,99,19.6,Bear,31.4,4.35,2.2,202,-2,62,61,false,Rebalance,Shift +1% to bonds from equity,12,5,BrokerB,LMT,100,None,None,Normal monitoring,22,13,22,5,false,Tax-aware sells next window
P1683,Active,Trust,USD,2024-09-09,1561850,98080,1463770,1.0,62.6,21.1,11.1,5.1,MUB:33.3%;AAPL:33.3%;XLF:33.3%,US:58.2;EU:14.4;APAC:12.2;EM:9.9;Other:5.2,Value:-0.6;Growth:+0.7;Quality:-0.1;Size:-0.4;Momentum:+0.4;LowVol:+0.2,MaxPos6%;NoDerivatives,10,35,5.9,trailing 9%,206,25.7,Bull,11.5,4.36,3.1,116,33,71,36,false,Buy,Add to core equity +1%,27,-24,BrokerB,LMT,90,None,None,Normal monitoring,-57,-43,-41,3,false,Tighten stops on momentum names
P1684,Hands-off,401k,USD,2025-09-24,285227,20146,265081,1.0,62.1,20.9,11.9,5.1,BND:22.7%;VNQ:22.7%;TLT:14.0%;MUB:22.7%;HYG:18.1%,US:66.1;EU:13.0;APAC:10.8;EM:6.3;Other:3.8,Value:+0.3;Growth:-0.2;Quality:+0.4;Size:+0.9;Momentum:+0.9;LowVol:-0.5,ESGOnly;MaxPos5%,7,25,5.2,trailing 10%,161,14.5,Bull,12.5,4.74,3.1,101,67,74,52,false,Sell,Trim extended winner -1%,3,3,BrokerC,LMT,91,None,None,Normal monitoring,-40,14,3,4,false,Monitor dispersion and breadth
P1685,Cautious,Taxable,USD,2025-01-17,400284,54133,346151,1.0,42.7,32.0,11.7,13.6,XLF:14.1%;MSFT:22.8%;VNQ:22.8%;HYG:17.5%;BRK.B:22.8%,US:59.6;EU:18.1;APAC:10.6;EM:10.8;Other:0.9,Value:+0.5;Growth:+0.3;Quality:+0.9;Size:+0.2;Momentum:-0.1;LowVol:+0.9,ESGOnly;NoMargin,5,30,6.0,trailing 8%,118,19.0,Bull,11.9,3.95,2.5,115,95,100,32,true,Rebalance,Rebalance back to target bands,23,-18,BrokerB,LMT,89,Drift>tolerance,Pause,Allocation drift beyond policy bands,115,-44,136,2,false,Tighten stops on momentum names
P1686,Opportunistic,401k,USD,2025-04-10,1110459,79201,1031258,1.0,67.1,10.3,18.0,4.7,MUB:34.4%;AMZN:34.4%;XLF:31.2%,US:57.2;EU:17.2;APAC:12.2;EM:9.3;Other:4.0,Value:-0.4;Growth:+0.1;Quality:+1.0;Size:+0.7;Momentum:-0.5;LowVol:+0.3,MaxPos8%;NoDerivatives,5,35,5.6,hard 12%,202,32.3,Volatile,28.5,5.42,4.3,140,44,78,83,true,Rebalance,Rebalance back to target bands,-4,-24,BrokerC,LMT,92,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-22,-8,38,5,false,Monitor dispersion and breadth
P1687,Cautious,401k,USD,2024-10-20,851178,126793,724385,1.0,35.7,44.3,9.9,10.1,HYG:23.5%;VOO:12.2%;TLT:24.1%;AMZN:16.2%;XLF:24.1%,US:64.7;EU:13.2;APAC:11.6;EM:8.3;Other:2.2,Value:0.0;Growth:-0.9;Quality:+0.4;Size:-0.8;Momentum:+0.1;LowVol:-0.2,NoMargin,6,30,3.1,hard 10%,109,16.3,Volatile,21.8,4.05,2.4,139,59,91,50,false,NoAction,Within bands; monitor,-3,-39,BrokerA,LMT,92,None,None,Normal monitoring,82,-44,209,3,false,Within IPS guidelines
P1688,Cautious,Trust,USD,2025-01-16,524514,46581,477933,1.0,43.4,40.7,0.0,15.9,AMZN:13.3%;IEF:11.8%;MUB:21.6%;MSFT:16.0%;GLD:15.9%;XLF:21.6%,US:60.3;EU:9.7;APAC:13.7;EM:13.6;Other:2.7,Value:-0.7;Growth:-0.7;Quality:+0.7;Size:+0.1;Momentum:+0.3;LowVol:0.0,ESGOnly;NoMargin,5,35,4.9,trailing 8%,116,13.4,Volatile,31.1,4.43,2.9,154,49,72,76,true,Hedge,Buy index puts 1% notional,-11,6,BrokerC,MKT,91,VAR>budget,Hedge,Risk above budget threshold,-55,18,-70,5,false,Increase defensive factor exposure
P1689,Hands-off,401k,USD,2024-12-09,266229,21120,245109,1.0,69.6,19.3,2.5,8.6,MUB:23.1%;BND:16.3%;AMZN:11.5%;BRK.B:10.4%;GLD:15.6%;AAPL:23.1%,US:68.0;EU:16.3;APAC:8.0;EM:4.0;Other:3.6,Value:+0.3;Growth:-0.6;Quality:-0.6;Size:-0.4;Momentum:+0.3;LowVol:-0.8,ESGOnly;NoDerivatives,8,30,3.9,trailing 8%,139,15.5,Volatile,23.1,4.09,3.0,145,46,78,64,true,Reduce,"Cut high-beta by 2-3%, add cash",19,-29,BrokerC,VWAP,92,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-44,-34,-13,3,false,Within IPS guidelines
P1690,Hands-off,IRA,USD,2025-11-15,496608,40511,456097,1.0,70.5,16.7,3.7,9.1,BND:10.4%;VOO:23.6%;VTI:18.7%;AMZN:23.6%;XLF:23.6%,US:70.7;EU:12.6;APAC:6.9;EM:9.6;Other:0.2,Value:+0.5;Growth:+0.6;Quality:+0.2;Size:+0.5;Momentum:-0.7;LowVol:-0.8,MaxPos8%;NoDerivatives,6,35,3.5,trailing 8%,120,19.5,Sideways,17.2,4.82,3.4,104,52,65,51,false,Buy,Add to core equity +1%,32,-20,BrokerD,MKT,85,None,None,Normal monitoring,47,-8,129,3,false,Tighten stops on momentum names
P1691,Cautious,401k,USD,2025-02-17,547637,73859,473778,1.0,43.9,35.1,4.5,16.5,IEF:12.6%;XLF:17.1%;AAPL:25.1%;MUB:20.0%;HYG:25.1%,US:72.2;EU:12.5;APAC:6.7;EM:8.0;Other:0.7,Value:+0.7;Growth:-0.1;Quality:-0.3;Size:+0.2;Momentum:+0.9;LowVol:0.0,NoDerivatives;NoMargin,6,25,4.6,hard 10%,151,13.3,Bull,11.5,4.2,2.1,115,36,65,30,false,Rebalance,Shift +1% to bonds from equity,-3,-25,BrokerA,MKT,99,None,None,Normal monitoring,98,-54,195,5,false,Tighten stops on momentum names
P1692,Cautious,Taxable,USD,2025-06-13,791885,74134,717751,1.0,46.9,38.5,0.0,14.5,MUB:33.3%;XLF:33.3%;QQQ:33.3%,US:69.4;EU:9.0;APAC:13.9;EM:7.2;Other:0.6,Value:-0.7;Growth:+1.0;Quality:-1.0;Size:0.0;Momentum:-0.1;LowVol:+0.7,NoDerivatives;NoMargin,8,25,4.4,trailing 8%,103,12.9,Volatile,25.1,5.4,2.7,135,-57,19,61,false,Buy,Add to core equity +1%,7,6,BrokerC,MKT,96,None,None,Normal monitoring,2,-16,-12,3,false,Within IPS guidelines
P1693,Hands-off,401k,USD,2025-02-11,846968,49160,797808,1.0,66.2,26.0,0.0,7.8,HYG:14.5%;XLF:24.3%;AMZN:15.3%;MSFT:21.7%;VOO:24.3%,US:61.1;EU:14.6;APAC:13.3;EM:10.3;Other:0.8,Value:0.0;Growth:+0.5;Quality:-0.6;Size:-0.6;Momentum:-0.7;LowVol:+0.4,MaxPos6%;NoDerivatives,6,30,3.5,trailing 10%,170,14.4,Bull,13.2,4.64,3.1,110,114,100,47,false,Buy,Add to core equity +1%,5,-14,BrokerC,LMT,87,None,None,Normal monitoring,-47,-60,-77,3,false,Tax-aware sells next window
P1694,Cautious,Roth,USD,2025-07-22,456617,51764,404853,1.0,39.3,32.3,15.9,12.5,MSFT:10.5%;GLD:22.8%;IEF:22.8%;AAPL:21.2%;XLF:22.8%,US:67.2;EU:11.7;APAC:8.8;EM:9.1;Other:3.3,Value:0.0;Growth:-0.6;Quality:-0.7;Size:+0.6;Momentum:+0.5;LowVol:-0.3,MaxPos8%;NoMargin,5,35,3.1,trailing 10%,108,15.2,Sideways,15.9,3.95,3.2,132,-28,38,26,false,Buy,Add to core equity +1%,16,-36,BrokerC,VWAP,89,None,None,Normal monitoring,87,-4,225,5,false,Increase defensive factor exposure
P1695,Hands-off,Taxable,USD,2025-10-06,391318,23470,367848,1.0,58.9,26.9,6.4,7.7,VTI:22.7%;MUB:16.5%;BRK.B:16.0%;VNQ:13.5%;TSLA:8.5%;VOO:22.7%,US:68.8;EU:13.9;APAC:9.6;EM:5.0;Other:2.6,Value:+0.5;Growth:+0.9;Quality:-1.0;Size:+0.9;Momentum:+0.1;LowVol:-0.7,ESGOnly;NoDerivatives,5,30,3.3,hard 10%,158,17.2,Sideways,14.0,4.89,2.2,134,55,69,48,false,Buy,Add to core equity +1%,21,-11,BrokerC,MKT,96,None,None,Normal monitoring,42,-5,11,3,false,Increase defensive factor exposure
P1696,Opportunistic,IRA,USD,2025-09-22,1056064,33723,1022341,1.0,69.4,16.6,6.0,8.0,AAPL:33.3%;BRK.B:33.3%;TLT:33.3%,US:59.2;EU:18.0;APAC:6.0;EM:12.5;Other:4.3,Value:-0.9;Growth:+0.9;Quality:+0.3;Size:+0.6;Momentum:-0.4;LowVol:+0.7,,7,30,4.6,hard 12%,272,23.6,Volatile,27.0,4.55,3.8,139,-26,35,73,true,Reduce,"Cut high-beta by 2-3%, add cash",23,-32,BrokerA,MKT,93,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-43,-31,-18,3,false,Tax-aware sells next window
P1697,Opportunistic,Roth,USD,2025-06-16,1014233,61387,952846,1.0,66.6,19.6,9.1,4.7,XLF:24.0%;TSLA:24.0%;VOO:18.5%;BND:24.0%;AAPL:9.5%,US:68.2;EU:15.1;APAC:13.5;EM:3.0;Other:0.3,Value:-0.7;Growth:+0.6;Quality:-1.0;Size:+0.3;Momentum:-0.1;LowVol:+0.5,,5,30,4.7,trailing 9%,239,34.0,Volatile,21.5,4.52,4.0,172,-15,55,65,false,NoAction,Within bands; monitor,18,-23,BrokerA,MKT,0,None,None,Normal monitoring,60,-2,26,5,false,Within IPS guidelines
P1698,Active,Trust,USD,2025-05-24,1532211,111108,1421103,1.08,66.0,19.8,6.4,7.9,AMZN:15.5%;QQQ:30.2%;MUB:30.2%;BND:24.1%,US:70.6;EU:8.8;APAC:12.7;EM:4.7;Other:3.3,Value:-0.4;Growth:-0.8;Quality:+0.8;Size:+0.3;Momentum:+0.7;LowVol:-0.6,MaxPos6%,5,25,6.0,trailing 9%,169,18.2,Bull,13.7,3.76,3.1,90,86,88,57,false,Rebalance,Shift +1% to bonds from equity,-2,10,BrokerD,VWAP,89,None,None,Normal monitoring,108,-31,189,4,false,Tighten stops on momentum names
P1699,Hands-off,IRA,USD,2024-09-21,607747,49959,557788,1.0,70.3,22.4,0.8,6.4,GLD:27.1%;MSFT:27.1%;TLT:27.1%;VNQ:18.8%,US:61.7;EU:17.1;APAC:11.1;EM:7.1;Other:3.0,Value:-0.4;Growth:-0.5;Quality:-0.9;Size:-0.2;Momentum:-0.6;LowVol:-0.9,MaxPos7%,10,25,5.8,trailing 10%,126,19.3,Bear,30.5,4.38,2.3,209,37,54,88,true,Reduce,"Cut high-beta by 2-3%, add cash",18,-8,BrokerA,LMT,85,Drift>tolerance,Hedge,Allocation drift beyond policy bands,61,-8,32,5,false,Monitor dispersion and breadth
P1700,Hands-off,401k,USD,2024-09-19,772254,70922,701332,1.0,56.7,16.8,21.2,5.3,AMZN:12.2%;QQQ:26.4%;MUB:14.8%;XLF:20.2%;TLT:26.4%,US:64.1;EU:15.9;APAC:11.0;EM:8.3;Other:0.7,Value:+0.4;Growth:-0.3;Quality:-0.5;Size:-0.4;Momentum:-0.2;LowVol:-0.6,NoDerivatives,7,30,4.4,trailing 10%,157,19.6,Bull,11.7,3.64,2.4,87,41,57,39,false,Buy,Add to core equity +1%,0,-3,BrokerD,VWAP,99,None,None,Normal monitoring,75,4,186,4,false,Tighten stops on momentum names
P1701,Systematic,401k,USD,2024-11-07,716942,46311,670631,1.0,62.4,32.3,0.0,5.3,TSLA:25.6%;VOO:23.2%;XLF:25.6%;VNQ:25.6%,US:70.5;EU:15.9;APAC:5.3;EM:3.5;Other:4.8,Value:+0.5;Growth:+0.1;Quality:+0.4;Size:+0.2;Momentum:+0.4;LowVol:+0.9,MaxPos6%;NoDerivatives,8,35,4.6,trailing 9%,155,18.1,Volatile,20.2,4.33,3.8,141,6,46,63,true,Reduce,"Cut high-beta by 2-3%, add cash",15,-18,BrokerA,MKT,87,VAR>budget,Pause,Risk above budget threshold,91,-6,127,3,false,Monitor dispersion and breadth
P1702,Hands-off,401k,USD,2025-01-21,836010,71560,764450,1.0,56.3,17.1,16.6,10.0,XLF:27.8%;VNQ:27.8%;TLT:27.8%;AMZN:16.7%,US:77.1;EU:5.3;APAC:8.7;EM:6.5;Other:2.4,Value:-0.7;Growth:-0.7;Quality:-0.2;Size:-0.3;Momentum:+0.9;LowVol:+0.8,ESGOnly;NoDerivatives,10,25,3.9,hard 10%,167,12.1,Bull,14.5,4.69,3.1,90,66,98,46,false,Sell,Trim extended winner -1%,23,-4,BrokerB,VWAP,90,None,None,Normal monitoring,53,-2,168,3,false,Monitor dispersion and breadth
P1703,Systematic,Roth,USD,2025-12-09,1398752,131365,1267387,1.0,69.2,21.5,3.6,5.7,QQQ:22.8%;TLT:17.2%;BRK.B:15.0%;MSFT:22.2%;AMZN:22.8%,US:68.0;EU:13.4;APAC:13.8;EM:4.1;Other:0.6,Value:+0.5;Growth:-0.7;Quality:+0.9;Size:+0.4;Momentum:0.0;LowVol:+0.5,,7,30,4.9,trailing 9%,188,16.7,Bear,33.3,3.25,1.6,160,-27,27,84,true,Rebalance,Rebalance back to target bands,35,15,BrokerD,LMT,92,Drift>tolerance,Hedge,Allocation drift beyond policy bands,16,-15,59,2,false,Increase defensive factor exposure
P1704,Cautious,Taxable,USD,2025-03-26,259142,35448,223694,1.0,43.7,42.5,0.0,13.9,BRK.B:28.1%;BND:28.1%;TSLA:15.8%;GLD:28.1%,US:64.2;EU:11.4;APAC:12.4;EM:8.6;Other:3.4,Value:+1.0;Growth:+0.5;Quality:-0.5;Size:-0.5;Momentum:+0.9;LowVol:-0.2,ESGOnly;MaxPos8%;NoMargin,7,30,5.3,trailing 10%,107,12.5,Sideways,18.3,4.44,2.4,91,-14,38,42,false,Buy,Add to core equity +1%,-1,-10,BrokerA,MKT,93,None,None,Normal monitoring,20,-32,121,3,false,Monitor dispersion and breadth
P1705,Systematic,401k,USD,2024-07-06,1398264,58721,1339543,1.0,62.2,21.3,8.7,7.8,TSLA:18.4%;VNQ:21.5%;IEF:16.3%;HYG:10.5%;TLT:11.8%;XLF:21.5%,US:66.5;EU:15.1;APAC:11.0;EM:4.8;Other:2.6,Value:+0.5;Growth:+0.7;Quality:-0.1;Size:-0.4;Momentum:-0.1;LowVol:+0.2,MaxPos7%,8,35,4.0,trailing 8%,129,23.6,Bear,22.5,4.35,1.4,172,17,47,65,false,Buy,Add to core equity +1%,18,-25,BrokerD,MKT,99,None,None,Normal monitoring,22,-32,100,4,false,Tighten stops on momentum names
P1706,Opportunistic,Taxable,USD,2025-04-28,869460,70889,798571,1.0,63.1,15.6,15.3,5.9,BRK.B:8.4%;TSLA:20.9%;BND:16.9%;QQQ:13.1%;IEF:20.9%;MUB:19.8%,US:64.9;EU:14.8;APAC:12.0;EM:5.8;Other:2.5,Value:+0.5;Growth:+0.5;Quality:-0.1;Size:-0.7;Momentum:-0.8;LowVol:-0.4,NoDerivatives,5,25,6.2,trailing 9%,191,32.5,Bull,15.1,3.81,2.6,79,76,80,51,false,Rebalance,Shift +1% to bonds from equity,5,-9,BrokerB,VWAP,90,None,None,Normal monitoring,115,0,158,3,false,Tax-aware sells next window
P1707,Active,Taxable,USD,2025-09-18,2272902,144029,2128873,1.0,69.8,22.9,0.5,6.8,BND:33.3%;IEF:33.3%;AMZN:33.3%,US:64.9;EU:12.8;APAC:9.5;EM:7.5;Other:5.3,Value:+0.2;Growth:+0.4;Quality:+0.8;Size:-1.0;Momentum:-0.4;LowVol:+0.1,MaxPos8%,7,30,4.4,trailing 9%,193,23.3,Volatile,26.7,4.13,2.7,156,-57,26,78,true,Hedge,Buy index puts 1% notional,14,-39,BrokerC,MKT,96,VAR>budget,TightenStops,Risk above budget threshold,59,18,176,2,false,Tax-aware sells next window
P1708,Active,IRA,USD,2024-10-13,1541228,111200,1430028,1.0,50.7,29.0,14.1,6.2,BRK.B:25.0%;GLD:25.0%;XLF:25.0%;VTI:25.0%,US:71.1;EU:8.3;APAC:11.0;EM:4.6;Other:5.0,Value:-0.8;Growth:+0.5;Quality:0.0;Size:-0.6;Momentum:+0.9;LowVol:-0.9,MaxPos6%,10,25,4.6,trailing 8%,167,26.4,Volatile,29.9,4.25,2.9,144,20,75,61,false,Sell,Trim extended winner -1%,12,-24,BrokerA,MKT,92,None,None,Normal monitoring,76,-60,58,5,false,Monitor dispersion and breadth
P1709,Active,401k,USD,2025-09-25,845845,60943,784902,1.0,54.8,24.7,13.8,6.7,AMZN:29.2%;QQQ:29.2%;HYG:19.1%;VNQ:22.6%,US:74.9;EU:6.1;APAC:7.6;EM:9.0;Other:2.5,Value:+0.4;Growth:-1.0;Quality:-0.0;Size:-0.8;Momentum:+0.2;LowVol:+0.8,,6,35,5.8,hard 12%,162,25.5,Bull,16.9,4.93,3.1,105,50,60,50,false,Rebalance,Shift +1% to bonds from equity,2,-11,BrokerB,LMT,96,None,None,Normal monitoring,-18,2,67,4,false,Tax-aware sells next window
P1710,Active,Roth,USD,2024-11-01,2131770,235518,1896252,1.21,54.1,20.8,19.9,5.3,AAPL:13.9%;BRK.B:24.3%;AMZN:21.9%;MUB:26.4%;GLD:13.6%,US:80.4;EU:6.2;APAC:6.2;EM:7.1;Other:0.1,Value:-0.5;Growth:-0.5;Quality:+0.8;Size:-0.3;Momentum:-0.6;LowVol:+1.0,NoDerivatives,8,25,5.4,trailing 8%,221,16.7,Bull,17.8,4.93,2.9,78,50,68,55,false,Sell,Trim extended winner -1%,20,-23,BrokerC,MKT,90,None,None,Normal monitoring,-39,-22,-7,3,false,Within IPS guidelines
P1711,Opportunistic,Taxable,USD,2024-09-04,1047533,81726,965807,1.23,66.8,11.7,15.5,6.0,AAPL:20.4%;HYG:19.1%;QQQ:9.5%;BND:18.6%;TSLA:20.2%;VOO:12.2%,US:70.2;EU:9.0;APAC:10.3;EM:6.5;Other:4.1,Value:-1.0;Growth:+0.7;Quality:+0.8;Size:-0.1;Momentum:-0.4;LowVol:-0.6,NoDerivatives,8,25,6.7,trailing 7%,196,33.1,Sideways,21.4,4.6,2.6,91,18,62,66,false,Buy,Add to core equity +1%,11,-32,BrokerD,LMT,89,None,None,Normal monitoring,41,-48,118,4,false,Tax-aware sells next window
P1712,Cautious,Taxable,USD,2025-07-27,654126,75129,578997,1.0,44.4,38.3,1.8,15.6,VOO:22.8%;TLT:11.7%;GLD:23.5%;VTI:23.5%;VNQ:18.6%,US:70.6;EU:16.1;APAC:5.7;EM:4.8;Other:2.8,Value:0.0;Growth:+0.5;Quality:-0.3;Size:-0.9;Momentum:+0.9;LowVol:-0.4,ESGOnly;NoMargin,8,30,4.9,trailing 8%,104,17.0,Sideways,17.3,4.58,2.3,97,18,61,43,false,NoAction,Within bands; monitor,9,-22,BrokerA,MKT,0,None,None,Normal monitoring,-16,-12,73,4,false,Within IPS guidelines
P1713,Hands-off,IRA,USD,2025-12-15,390032,18572,371460,1.0,66.3,15.2,9.3,9.2,VOO:27.0%;TLT:21.6%;IEF:24.3%;AMZN:27.0%,US:69.4;EU:12.0;APAC:7.2;EM:10.1;Other:1.3,Value:-0.0;Growth:+0.8;Quality:-0.3;Size:-0.1;Momentum:0.0;LowVol:+0.6,MaxPos6%,8,25,5.1,hard 10%,135,17.4,Volatile,30.1,4.94,2.3,122,-7,39,75,true,Rebalance,Rebalance back to target bands,-1,-20,BrokerB,LMT,86,Drift>tolerance,Reduce,Allocation drift beyond policy bands,99,19,204,3,false,Increase defensive factor exposure
P1714,Systematic,Trust,USD,2024-10-20,855962,61255,794707,1.0,67.7,24.3,0.0,8.1,VOO:17.3%;VTI:21.0%;AAPL:18.7%;VNQ:11.4%;MUB:21.2%;MSFT:10.3%,US:67.4;EU:8.3;APAC:10.3;EM:13.0;Other:1.0,Value:-0.5;Growth:-0.8;Quality:+0.6;Size:-0.5;Momentum:-0.6;LowVol:+0.9,,5,25,4.6,trailing 9%,145,24.4,Volatile,24.0,4.12,2.3,176,14,52,65,false,Buy,Add to core equity +1%,13,-34,BrokerA,VWAP,88,None,None,Normal monitoring,-17,-18,-32,3,false,Tax-aware sells next window
P1715,Active,Roth,USD,2025-09-26,2474944,224300,2250644,1.2,58.0,19.6,14.8,7.6,TLT:7.6%;VNQ:15.2%;XLF:19.3%;MUB:20.5%;VTI:16.8%;VOO:20.5%,US:65.8;EU:12.5;APAC:13.3;EM:7.2;Other:1.2,Value:+0.7;Growth:+0.1;Quality:-0.3;Size:-0.9;Momentum:+0.3;LowVol:-0.2,NoDerivatives,8,35,5.6,hard 12%,227,21.6,Bull,17.3,4.81,2.4,75,18,69,41,false,Hedge,Add TLT +1% as duration hedge,18,-1,BrokerD,MKT,85,None,None,Normal monitoring,10,-48,39,5,false,Within IPS guidelines
P1716,Cautious,Trust,USD,2024-09-18,476984,54446,422538,1.0,53.1,32.3,1.1,13.4,MSFT:8.6%;XLF:23.4%;VTI:23.4%;VOO:23.4%;GLD:21.2%,US:68.7;EU:13.0;APAC:9.0;EM:9.1;Other:0.3,Value:-0.5;Growth:+0.9;Quality:-0.5;Size:-1.0;Momentum:-0.1;LowVol:-0.8,MaxPos5%;NoDerivatives;NoMargin,6,35,5.8,trailing 10%,153,17.4,Sideways,14.3,4.71,3.0,132,60,77,45,false,NoAction,Within bands; monitor,25,-7,BrokerC,MKT,0,None,None,Normal monitoring,30,-14,107,3,false,Monitor dispersion and breadth
P1717,Active,Trust,USD,2024-08-17,1483779,133350,1350429,1.0,64.4,26.5,0.0,9.1,VTI:20.1%;IEF:15.3%;TSLA:15.7%;TLT:11.7%;MSFT:16.0%;QQQ:21.2%,US:69.7;EU:8.8;APAC:12.5;EM:6.0;Other:3.1,Value:+0.3;Growth:-0.3;Quality:-0.6;Size:+0.9;Momentum:-0.1;LowVol:-0.6,MaxPos7%;NoDerivatives,7,25,5.0,trailing 8%,220,20.1,Volatile,27.8,5.33,2.9,156,33,59,66,false,Sell,Trim extended winner -1%,21,-25,BrokerB,VWAP,93,None,None,Normal monitoring,4,-22,136,5,false,Tighten stops on momentum names
P1718,Opportunistic,Trust,USD,2024-07-26,1293101,40118,1252983,1.0,66.6,11.2,14.6,7.6,VNQ:26.6%;TSLA:26.6%;QQQ:26.6%;AMZN:20.1%,US:72.4;EU:6.1;APAC:12.1;EM:7.3;Other:2.1,Value:-0.6;Growth:-0.0;Quality:-0.9;Size:+0.7;Momentum:+0.2;LowVol:-0.7,MaxPos5%,6,35,4.6,trailing 7%,180,30.9,Bull,16.9,4.68,3.1,106,20,60,43,false,Rebalance,Shift +1% to bonds from equity,8,-23,BrokerB,LMT,100,None,None,Normal monitoring,-46,-35,45,3,false,Tax-aware sells next window
P1719,Cautious,IRA,USD,2025-11-24,674533,101592,572941,1.0,42.6,30.2,12.6,14.5,AMZN:13.3%;MUB:17.4%;MSFT:19.1%;BND:9.2%;IEF:21.0%;TSLA:20.0%,US:62.1;EU:13.0;APAC:11.2;EM:12.0;Other:1.7,Value:-0.8;Growth:-0.4;Quality:+0.6;Size:+0.1;Momentum:+0.1;LowVol:+0.2,ESGOnly;MaxPos5%;NoMargin,8,30,4.9,trailing 8%,114,15.8,Volatile,27.6,4.5,2.5,159,53,68,54,false,Rebalance,Shift +1% to bonds from equity,33,-10,BrokerD,LMT,95,None,None,Normal monitoring,13,-11,-6,5,false,Tax-aware sells next window
P1720,Cautious,Taxable,USD,2025-07-14,409265,65207,344058,1.0,45.4,37.4,5.9,11.3,VNQ:33.5%;IEF:33.1%;AMZN:33.5%,US:73.0;EU:7.8;APAC:8.4;EM:10.8;Other:0.0,Value:-0.2;Growth:-0.5;Quality:-0.2;Size:-1.0;Momentum:-0.3;LowVol:-0.2,NoDerivatives;NoMargin,7,30,5.2,trailing 8%,165,12.8,Bull,12.2,3.74,2.4,112,90,99,40,false,Rebalance,Shift +1% to bonds from equity,12,10,BrokerA,LMT,97,None,None,Normal monitoring,-9,-5,-44,4,false,Monitor dispersion and breadth
P1721,Cautious,401k,USD,2025-12-08,579617,90880,488737,1.0,43.0,42.4,4.6,10.1,HYG:15.7%;AAPL:10.3%;VNQ:19.1%;GLD:18.2%;IEF:19.2%;BND:17.5%,US:67.6;EU:12.5;APAC:6.1;EM:10.2;Other:3.6,Value:-0.9;Growth:+0.1;Quality:+0.7;Size:+0.6;Momentum:-0.7;LowVol:-0.6,MaxPos6%;NoDerivatives;NoMargin,8,30,4.1,trailing 8%,115,16.1,Volatile,20.1,4.82,2.8,123,-51,34,49,false,Rebalance,Shift +1% to bonds from equity,17,-12,BrokerA,MKT,88,None,None,Normal monitoring,11,-32,26,3,false,Monitor dispersion and breadth
P1722,Hands-off,401k,USD,2025-04-05,694025,34453,659572,1.0,65.9,25.0,0.0,9.1,TSLA:18.3%;MUB:19.6%;VOO:17.7%;AAPL:5.6%;MSFT:18.7%;VNQ:20.1%,US:64.7;EU:14.7;APAC:12.0;EM:4.8;Other:3.8,Value:+0.1;Growth:-0.9;Quality:+0.6;Size:-0.9;Momentum:-0.5;LowVol:-0.8,ESGOnly,6,35,3.4,trailing 8%,141,13.0,Sideways,21.4,3.94,2.8,105,-21,40,71,false,Sell,Trim extended winner -1%,18,3,BrokerB,MKT,85,None,None,Normal monitoring,-11,-33,-33,3,false,Increase defensive factor exposure
P1723,Hands-off,401k,USD,2024-12-10,831583,39260,792323,1.0,56.1,26.3,9.1,8.5,IEF:18.7%;BRK.B:15.0%;AMZN:17.8%;GLD:15.8%;HYG:18.5%;AAPL:14.1%,US:64.5;EU:9.9;APAC:14.8;EM:10.2;Other:0.7,Value:-0.7;Growth:-0.6;Quality:-0.7;Size:-0.3;Momentum:-0.2;LowVol:-0.7,ESGOnly,8,35,3.5,trailing 8%,162,15.1,Sideways,16.2,3.51,3.0,138,39,66,38,false,Buy,Add to core equity +1%,-6,-22,BrokerC,LMT,98,None,None,Normal monitoring,64,-45,150,5,false,Monitor dispersion and breadth
P1724,Active,Taxable,USD,2024-07-24,2202156,251197,1950959,1.0,57.9,28.6,6.5,7.0,VTI:18.8%;GLD:31.7%;AAPL:31.7%;IEF:17.8%,US:64.1;EU:18.8;APAC:8.8;EM:3.3;Other:5.0,Value:0.0;Growth:+0.9;Quality:+0.1;Size:+0.7;Momentum:-0.8;LowVol:-0.7,MaxPos7%,10,25,5.7,trailing 8%,224,26.5,Bear,25.9,4.19,2.3,209,-33,18,63,false,Rebalance,Shift +1% to bonds from equity,24,3,BrokerC,MKT,94,None,None,Normal monitoring,87,-35,180,3,false,Tax-aware sells next window
P1725,Opportunistic,Trust,USD,2025-10-20,1313028,59376,1253652,1.0,63.4,12.0,18.6,6.0,BND:33.3%;VOO:33.3%;IEF:33.3%,US:66.5;EU:7.6;APAC:7.9;EM:13.1;Other:4.9,Value:+0.1;Growth:+0.2;Quality:-0.9;Size:-0.6;Momentum:-0.1;LowVol:+1.0,,8,30,4.5,hard 12%,258,28.0,Bull,15.9,4.31,2.9,120,37,56,44,false,Buy,Add to core equity +1%,-8,-23,BrokerA,MKT,95,None,None,Normal monitoring,-29,16,58,4,false,Tighten stops on momentum names
P1726,Hands-off,Trust,USD,2024-10-23,426378,39171,387207,1.0,63.8,27.3,0.0,8.9,TSLA:33.3%;AAPL:33.3%;HYG:33.3%,US:67.1;EU:14.3;APAC:7.1;EM:7.6;Other:3.8,Value:+0.5;Growth:+0.3;Quality:-1.0;Size:-0.2;Momentum:-0.3;LowVol:+0.3,ESGOnly,10,25,3.1,trailing 8%,162,19.2,Bull,16.0,4.5,2.4,109,53,87,42,false,NoAction,Within bands; monitor,33,-28,BrokerD,MKT,0,None,None,Normal monitoring,-13,3,119,4,false,Tighten stops on momentum names
P1727,Cautious,IRA,USD,2024-08-10,429863,64886,364977,1.0,47.5,37.9,3.7,10.9,MUB:22.5%;MSFT:13.3%;QQQ:13.7%;AMZN:25.3%;VNQ:25.3%,US:68.9;EU:12.6;APAC:9.3;EM:7.6;Other:1.6,Value:+0.2;Growth:+0.6;Quality:-0.9;Size:-0.6;Momentum:+0.6;LowVol:-0.9,MaxPos5%;NoDerivatives;NoMargin,5,30,3.8,trailing 10%,142,18.6,Bear,26.0,3.75,1.1,159,-27,31,61,false,Rebalance,Shift +1% to bonds from equity,12,-19,BrokerC,MKT,96,None,None,Normal monitoring,56,-20,72,5,false,Monitor dispersion and breadth
P1728,Hands-off,IRA,USD,2025-11-25,600275,59594,540681,1.0,74.8,15.6,3.9,5.7,BRK.B:22.9%;VNQ:19.4%;HYG:28.9%;IEF:28.9%,US:66.3;EU:7.0;APAC:15.0;EM:10.6;Other:1.1,Value:-0.7;Growth:0.0;Quality:-0.6;Size:+0.5;Momentum:-0.4;LowVol:-0.7,MaxPos6%,5,30,4.7,trailing 8%,142,19.5,Bear,24.1,3.36,2.9,200,-2,53,78,true,Hedge,Buy index puts 1% notional,-3,13,BrokerD,LMT,100,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-30,-28,3,4,false,Within IPS guidelines
P1729,Hands-off,Trust,USD,2025-11-03,846396,54555,791841,1.0,67.6,25.4,0.0,6.9,VOO:14.9%;MSFT:24.2%;XLF:24.2%;BND:24.2%;HYG:12.5%,US:72.3;EU:6.8;APAC:8.8;EM:8.2;Other:3.9,Value:-0.9;Growth:-0.8;Quality:+0.6;Size:+0.5;Momentum:-0.8;LowVol:+0.3,,8,30,5.3,trailing 8%,124,17.9,Volatile,26.2,4.74,2.3,179,21,68,80,true,Hedge,Buy index puts 1% notional,15,-24,BrokerC,MKT,98,RegimeShift,Hedge,Volatility spike and breadth deterioration,37,-19,142,3,false,Within IPS guidelines
P1730,Hands-off,Roth,USD,2025-02-22,549871,25176,524695,1.0,57.8,23.4,12.4,6.3,BND:17.5%;TLT:15.4%;HYG:18.5%;AAPL:19.5%;MUB:10.3%;MSFT:18.8%,US:70.8;EU:16.9;APAC:7.1;EM:3.8;Other:1.4,Value:+0.8;Growth:+0.5;Quality:+0.7;Size:-0.9;Momentum:+0.7;LowVol:+0.6,MaxPos8%,8,30,3.4,trailing 8%,169,13.7,Bull,12.1,4.72,2.7,81,105,100,38,false,Rebalance,Shift +1% to bonds from equity,25,-4,BrokerB,LMT,87,None,None,Normal monitoring,-13,-15,126,3,false,Increase defensive factor exposure
P1731,Hands-off,401k,USD,2025-04-15,546760,35432,511328,1.0,72.6,16.4,5.7,5.3,MUB:19.9%;TLT:26.7%;BND:26.7%;XLF:26.7%,US:70.5;EU:6.7;APAC:11.9;EM:7.0;Other:3.8,Value:-1.0;Growth:+0.2;Quality:+0.8;Size:-0.7;Momentum:-0.6;LowVol:+0.9,ESGOnly,7,25,4.0,trailing 8%,166,16.7,Sideways,14.0,4.79,2.9,110,-12,41,61,false,Hedge,Add TLT +1% as duration hedge,16,-15,BrokerB,LMT,93,None,None,Normal monitoring,-59,-53,-14,3,false,Increase defensive factor exposure
P1732,Hands-off,IRA,USD,2024-07-07,356774,28399,328375,1.0,66.6,24.9,0.0,8.6,VTI:14.1%;TSLA:18.3%;GLD:16.6%;TLT:18.3%;AMZN:16.2%;IEF:16.6%,US:62.7;EU:20.4;APAC:6.2;EM:10.5;Other:0.2,Value:-0.6;Growth:-0.7;Quality:+0.7;Size:+0.9;Momentum:+0.2;LowVol:+0.2,ESGOnly,5,35,3.7,trailing 8%,164,19.5,Volatile,22.5,4.97,2.1,159,77,99,68,true,Rebalance,Rebalance back to target bands,17,12,BrokerB,MKT,85,VAR>budget,Hedge,Risk above budget threshold,63,18,151,5,false,Monitor dispersion and breadth
P1733,Cautious,Trust,USD,2025-06-20,299665,44073,255592,1.0,36.7,34.6,10.8,17.9,TLT:25.8%;TSLA:25.8%;VTI:22.7%;GLD:25.8%,US:65.8;EU:18.7;APAC:7.8;EM:4.2;Other:3.5,Value:+0.1;Growth:-0.7;Quality:-0.5;Size:-0.5;Momentum:-0.6;LowVol:+0.7,ESGOnly;MaxPos6%;NoDerivatives;NoMargin,5,25,3.6,trailing 8%,98,13.9,Bull,11.7,4.58,2.0,110,82,79,35,false,Rebalance,Shift +1% to bonds from equity,20,-34,BrokerA,MKT,87,None,None,Normal monitoring,-8,-43,45,3,false,Within IPS guidelines
P1734,Systematic,Taxable,USD,2025-07-14,1152227,69015,1083212,1.0,55.8,27.9,10.4,5.9,VNQ:16.3%;VOO:23.9%;BND:12.4%;QQQ:23.9%;GLD:23.6%,US:56.5;EU:16.9;APAC:12.0;EM:10.5;Other:4.0,Value:-1.0;Growth:-0.2;Quality:-0.4;Size:-0.6;Momentum:-0.2;LowVol:-0.8,,6,25,4.4,hard 12%,195,19.2,Sideways,20.4,4.52,3.1,90,39,81,55,false,Sell,Trim extended winner -1%,11,-2,BrokerC,VWAP,91,None,None,Normal monitoring,16,-40,126,3,false,Tighten stops on momentum names
P1735,Cautious,IRA,USD,2024-10-10,886097,81782,804315,1.0,42.3,32.8,10.2,14.7,BND:21.3%;VNQ:6.8%;AMZN:21.8%;BRK.B:13.2%;HYG:15.1%;XLF:21.8%,US:65.3;EU:16.3;APAC:10.3;EM:7.7;Other:0.5,Value:-0.3;Growth:-0.2;Quality:+0.4;Size:+0.4;Momentum:-0.6;LowVol:+0.2,NoMargin,8,30,3.4,trailing 8%,102,14.8,Volatile,24.1,3.78,4.3,160,-60,33,53,true,Hedge,Buy index puts 1% notional,6,10,BrokerD,MKT,97,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-25,-2,114,3,false,Within IPS guidelines
P1736,Hands-off,IRA,USD,2025-06-12,873066,61947,811119,1.0,60.8,21.3,10.1,7.7,QQQ:25.2%;HYG:24.5%;GLD:25.2%;BND:25.2%,US:63.9;EU:12.8;APAC:14.2;EM:7.3;Other:1.8,Value:+0.4;Growth:+0.1;Quality:-0.2;Size:+0.8;Momentum:+0.1;LowVol:+0.4,ESGOnly,8,30,5.2,trailing 10%,134,12.3,Sideways,18.5,3.54,3.4,131,-17,39,43,false,Rebalance,Shift +1% to bonds from equity,21,-29,BrokerB,MKT,94,None,None,Normal monitoring,50,10,60,4,false,Monitor dispersion and breadth
P1737,Systematic,IRA,USD,2024-08-03,1664655,153311,1511344,1.0,55.2,27.1,8.4,9.4,IEF:22.6%;TLT:22.6%;AAPL:22.6%;MUB:22.6%;QQQ:9.5%,US:64.0;EU:16.6;APAC:9.3;EM:7.8;Other:2.2,Value:-0.5;Growth:-1.0;Quality:+1.0;Size:-0.7;Momentum:-0.6;LowVol:+0.3,MaxPos6%,8,30,4.0,trailing 9%,198,23.7,Sideways,15.0,4.9,3.3,120,52,71,48,false,Hedge,Add TLT +1% as duration hedge,1,13,BrokerC,LMT,97,None,None,Normal monitoring,67,10,61,3,false,Tax-aware sells next window
P1738,Systematic,Taxable,USD,2025-06-03,847881,78347,769534,1.0,59.5,27.8,3.9,8.7,AMZN:32.4%;AAPL:33.8%;VNQ:33.8%,US:63.8;EU:15.0;APAC:8.8;EM:8.1;Other:4.2,Value:+0.8;Growth:-0.1;Quality:+0.8;Size:+0.6;Momentum:-0.2;LowVol:+0.6,MaxPos5%;NoDerivatives,6,25,5.4,trailing 8%,228,25.9,Sideways,15.4,3.96,3.0,105,0,43,41,false,Sell,Trim extended winner -1%,0,-37,BrokerD,LMT,99,None,None,Normal monitoring,30,7,36,5,false,Within IPS guidelines
P1739,Hands-off,Trust,USD,2024-07-26,343658,30981,312677,1.0,63.1,19.8,11.9,5.2,VNQ:33.3%;TLT:33.3%;AMZN:33.3%,US:78.2;EU:7.0;APAC:8.8;EM:3.7;Other:2.3,Value:+0.5;Growth:-0.4;Quality:-0.8;Size:+0.3;Momentum:-0.6;LowVol:+0.5,MaxPos5%,5,30,4.0,hard 10%,155,13.5,Sideways,17.3,4.14,2.9,126,26,49,49,false,Sell,Trim extended winner -1%,24,-34,BrokerA,MKT,92,None,None,Normal monitoring,33,-43,97,5,false,Tax-aware sells next window
P1740,Systematic,401k,USD,2024-12-15,976669,40782,935887,1.0,55.2,28.5,11.1,5.2,VNQ:28.1%;TLT:36.0%;MSFT:36.0%,US:61.9;EU:18.7;APAC:14.0;EM:4.3;Other:1.1,Value:+0.2;Growth:+0.3;Quality:+0.4;Size:-0.1;Momentum:-0.8;LowVol:-0.3,,10,30,4.6,hard 12%,210,22.1,Sideways,18.0,4.47,3.5,139,-8,51,49,true,Hedge,Buy index puts 1% notional,-4,-26,BrokerB,LMT,92,VAR>budget,Hedge,Risk above budget threshold,93,-43,80,2,false,Tax-aware sells next window
P1741,Systematic,Trust,USD,2025-07-30,1522309,125017,1397292,1.0,62.5,29.8,0.0,7.7,MSFT:33.3%;VNQ:33.3%;IEF:33.3%,US:66.0;EU:8.2;APAC:17.2;EM:6.8;Other:1.8,Value:+0.3;Growth:+0.8;Quality:+0.3;Size:-0.9;Momentum:0.0;LowVol:-0.4,,8,30,4.4,trailing 8%,134,22.1,Volatile,22.1,3.76,2.3,165,60,77,66,true,Reduce,"Cut high-beta by 2-3%, add cash",-14,-16,BrokerD,LMT,94,RegimeShift,Hedge,Volatility spike and breadth deterioration,98,-14,117,3,false,Within IPS guidelines
P1742,Cautious,Trust,USD,2025-10-16,409481,47707,361774,1.0,36.1,32.8,19.0,12.1,IEF:33.3%;AAPL:33.3%;HYG:33.3%,US:71.9;EU:13.0;APAC:8.3;EM:6.0;Other:0.9,Value:+0.9;Growth:-0.2;Quality:-0.8;Size:+0.8;Momentum:-0.7;LowVol:+0.1,ESGOnly;MaxPos5%;NoMargin,5,25,4.5,trailing 8%,170,19.4,Volatile,26.4,5.2,3.7,154,60,67,49,false,Rebalance,Shift +1% to bonds from equity,23,-15,BrokerC,MKT,88,None,None,Normal monitoring,53,-10,107,3,false,Increase defensive factor exposure
P1743,Active,Trust,USD,2024-10-11,2083529,214515,1869014,1.0,58.9,30.2,1.2,9.7,VOO:22.1%;MSFT:20.1%;HYG:18.6%;AAPL:17.0%;BRK.B:22.1%,US:73.9;EU:5.8;APAC:13.3;EM:4.8;Other:2.2,Value:-0.2;Growth:-0.5;Quality:+0.3;Size:+0.6;Momentum:-0.5;LowVol:+0.4,,7,35,4.6,hard 12%,225,18.1,Bull,12.4,4.38,2.3,109,72,83,39,false,Rebalance,Shift +1% to bonds from equity,-2,5,BrokerB,LMT,94,None,None,Normal monitoring,84,-48,72,3,false,Tax-aware sells next window
P1744,Opportunistic,Roth,USD,2025-11-06,1352339,60421,1291918,1.0,62.3,11.4,20.2,6.0,AMZN:26.9%;VTI:23.4%;AAPL:26.9%;HYG:22.9%,US:68.1;EU:10.0;APAC:12.4;EM:9.3;Other:0.1,Value:+0.6;Growth:-0.8;Quality:-0.7;Size:+0.3;Momentum:-0.2;LowVol:+0.1,,6,25,5.5,hard 12%,178,21.8,Sideways,19.2,4.66,3.4,122,-24,50,65,false,Rebalance,Shift +1% to bonds from equity,8,-40,BrokerB,LMT,91,None,None,Normal monitoring,71,-31,99,3,false,Tighten stops on momentum names
P1745,Hands-off,Roth,USD,2025-04-14,635388,44075,591313,1.0,64.3,27.5,0.0,8.2,TSLA:28.2%;VOO:28.2%;XLF:28.2%;BND:15.4%,US:68.5;EU:6.7;APAC:6.6;EM:13.0;Other:5.1,Value:-0.5;Growth:-0.7;Quality:-0.6;Size:-0.1;Momentum:-0.9;LowVol:-0.8,,7,35,4.9,trailing 8%,147,18.4,Bull,14.8,3.99,3.4,116,94,94,51,false,Hedge,Add TLT +1% as duration hedge,-11,-3,BrokerD,LMT,93,None,None,Normal monitoring,70,-54,161,5,false,Within IPS guidelines
P1746,Active,Roth,USD,2024-07-29,567379,58361,509018,1.0,67.0,18.8,6.3,7.9,MUB:12.4%;VOO:21.4%;GLD:21.4%;IEF:10.3%;MSFT:18.7%;QQQ:15.8%,US:67.0;EU:15.3;APAC:10.5;EM:6.1;Other:1.1,Value:-0.9;Growth:-0.6;Quality:+0.3;Size:+0.7;Momentum:0.0;LowVol:-0.8,MaxPos6%;NoDerivatives,7,30,4.9,trailing 8%,151,16.4,Volatile,22.9,4.58,3.8,180,30,62,74,true,Hedge,Buy index puts 1% notional,-14,-14,BrokerC,MKT,91,VAR>budget,Reduce,Risk above budget threshold,87,-12,226,2,false,Monitor dispersion and breadth
P1747,Opportunistic,Roth,USD,2025-12-25,1787488,137802,1649686,1.0,63.4,12.8,19.5,4.2,AAPL:33.3%;VTI:33.3%;XLF:33.3%,US:68.3;EU:8.1;APAC:10.1;EM:12.7;Other:0.7,Value:-0.4;Growth:+0.1;Quality:-0.8;Size:+0.7;Momentum:+0.1;LowVol:+0.2,,8,35,4.4,trailing 7%,198,34.7,Volatile,28.2,4.23,3.1,127,-57,31,76,true,Hedge,Buy index puts 1% notional,-13,-16,BrokerD,LMT,95,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,47,-54,137,5,false,Monitor dispersion and breadth
P1748,Opportunistic,Trust,USD,2025-08-16,699894,54859,645035,1.15,74.7,16.8,0.0,8.5,XLF:10.5%;HYG:17.0%;GLD:21.5%;MUB:21.5%;TSLA:12.7%;VOO:16.8%,US:64.9;EU:12.0;APAC:12.9;EM:5.4;Other:4.8,Value:-0.7;Growth:+0.3;Quality:-0.0;Size:+0.5;Momentum:+0.2;LowVol:+0.7,NoDerivatives,5,25,5.5,trailing 9%,239,34.3,Volatile,21.6,3.52,2.9,168,77,100,77,true,Hedge,Buy index puts 1% notional,12,-39,BrokerB,LMT,96,Drift>tolerance,Reduce,Allocation drift beyond policy bands,103,-8,217,2,false,Within IPS guidelines
P1749,Systematic,Trust,USD,2025-04-13,462434,40747,421687,1.0,66.5,21.5,5.7,6.3,QQQ:24.9%;VOO:11.3%;IEF:13.9%;VTI:24.9%;TLT:24.9%,US:70.8;EU:7.8;APAC:13.0;EM:5.8;Other:2.6,Value:0.0;Growth:+0.3;Quality:-0.8;Size:-0.7;Momentum:-0.9;LowVol:-0.5,MaxPos7%,8,30,5.8,trailing 8%,187,27.5,Bear,31.9,3.77,1.8,145,-47,29,74,true,Rebalance,Rebalance back to target bands,12,-27,BrokerA,MKT,94,RegimeShift,TightenStops,Volatility spike and breadth deterioration,-55,-4,48,5,false,Tax-aware sells next window
P1750,Systematic,Taxable,USD,2024-07-09,1313538,54530,1259008,1.0,68.8,25.5,0.0,5.7,VNQ:33.3%;AAPL:33.3%;AMZN:33.3%,US:56.5;EU:18.6;APAC:14.1;EM:9.2;Other:1.6,Value:+0.9;Growth:-0.6;Quality:-0.2;Size:-0.4;Momentum:0.0;LowVol:-0.4,MaxPos6%,6,35,5.6,trailing 8%,120,21.7,Sideways,20.1,3.71,3.3,140,-9,60,57,false,Sell,Trim extended winner -1%,24,5,BrokerA,LMT,99,None,None,Normal monitoring,29,3,18,5,false,Tax-aware sells next window
P1751,Cautious,Trust,USD,2024-10-21,603796,82463,521333,1.0,41.2,30.1,15.3,13.5,VTI:22.3%;IEF:21.2%;VOO:22.3%;TSLA:21.5%;AAPL:12.7%,US:54.7;EU:16.4;APAC:14.7;EM:12.6;Other:1.6,Value:-0.0;Growth:0.0;Quality:-0.9;Size:+0.1;Momentum:+0.2;LowVol:-0.8,ESGOnly;NoMargin,8,30,4.8,hard 10%,152,12.2,Volatile,25.5,3.91,3.0,110,-45,13,54,true,Reduce,"Cut high-beta by 2-3%, add cash",-13,-16,BrokerC,LMT,87,RegimeShift,Reduce,Volatility spike and breadth deterioration,78,-30,186,2,false,Tax-aware sells next window
P1752,Cautious,401k,USD,2025-01-25,553844,62171,491673,1.0,36.0,39.5,8.9,15.7,XLF:14.5%;BRK.B:23.2%;TLT:18.2%;TSLA:21.0%;MUB:23.2%,US:65.5;EU:10.7;APAC:11.0;EM:10.5;Other:2.4,Value:-0.2;Growth:-0.7;Quality:-0.5;Size:-0.3;Momentum:0.0;LowVol:-0.9,ESGOnly;MaxPos7%;NoMargin,10,25,3.5,hard 10%,167,18.2,Volatile,21.2,5.48,2.7,139,22,56,50,false,Hedge,Add TLT +1% as duration hedge,2,-9,BrokerB,MKT,89,None,None,Normal monitoring,-26,-57,-20,3,false,Monitor dispersion and breadth
P1753,Opportunistic,IRA,USD,2025-04-02,1211878,40833,1171045,1.0,67.0,19.1,8.2,5.7,MUB:21.5%;VNQ:21.0%;AAPL:21.5%;HYG:14.6%;TLT:21.5%,US:60.5;EU:9.8;APAC:11.9;EM:12.6;Other:5.2,Value:+1.0;Growth:+0.2;Quality:+0.3;Size:+0.1;Momentum:-0.9;LowVol:-0.1,,6,30,5.8,trailing 7%,259,23.5,Bull,12.4,4.69,2.3,100,57,90,50,false,Sell,Trim extended winner -1%,-13,-11,BrokerD,VWAP,87,None,None,Normal monitoring,87,17,160,3,false,Increase defensive factor exposure
P1754,Systematic,Taxable,USD,2025-12-01,1035519,46333,989186,1.0,62.6,21.1,9.1,7.2,XLF:27.5%;QQQ:17.6%;BRK.B:27.5%;TLT:27.5%,US:71.3;EU:6.1;APAC:13.1;EM:5.1;Other:4.5,Value:-0.8;Growth:+1.0;Quality:-0.4;Size:+0.9;Momentum:+0.5;LowVol:+0.8,NoDerivatives,8,25,5.1,trailing 8%,221,22.0,Volatile,29.4,5.42,2.1,152,-26,23,72,true,Hedge,Buy index puts 1% notional,16,8,BrokerD,LMT,90,VAR>budget,Pause,Risk above budget threshold,56,-28,134,5,true,Monitor dispersion and breadth
P1755,Hands-off,Roth,USD,2025-04-18,204020,17567,186453,1.0,68.3,16.1,7.6,8.0,BRK.B:15.2%;VNQ:20.5%;TLT:20.5%;HYG:10.8%;AMZN:13.1%;BND:19.9%,US:70.0;EU:13.4;APAC:6.3;EM:7.5;Other:2.8,Value:-0.7;Growth:-0.6;Quality:+0.7;Size:+0.8;Momentum:0.0;LowVol:-0.4,MaxPos5%,10,25,4.3,hard 10%,147,19.6,Sideways,15.6,3.64,3.1,91,44,73,53,false,Hedge,Add TLT +1% as duration hedge,15,-38,BrokerC,MKT,93,None,None,Normal monitoring,-6,-38,110,5,false,Tax-aware sells next window
P1756,Cautious,Trust,USD,2025-06-10,216055,21202,194853,1.0,46.4,35.9,0.0,17.7,AAPL:11.6%;TLT:15.4%;VNQ:18.4%;BND:16.3%;VTI:20.4%;GLD:17.8%,US:68.7;EU:10.1;APAC:9.5;EM:9.5;Other:2.2,Value:-0.8;Growth:-0.8;Quality:-0.3;Size:+0.5;Momentum:+0.6;LowVol:-0.1,ESGOnly;NoMargin,5,35,3.4,hard 10%,111,14.7,Volatile,23.5,3.53,4.3,128,76,80,64,false,Rebalance,Shift +1% to bonds from equity,-10,-26,BrokerB,LMT,94,None,None,Normal monitoring,120,-54,255,3,false,Tighten stops on momentum names
P1757,Hands-off,401k,USD,2025-02-08,177754,14297,163457,1.0,71.5,21.5,0.0,7.0,AMZN:12.9%;BND:17.0%;MUB:16.5%;TLT:20.7%;HYG:14.2%;VTI:18.7%,US:72.2;EU:9.5;APAC:9.4;EM:6.4;Other:2.4,Value:+0.2;Growth:+1.0;Quality:+0.7;Size:+0.7;Momentum:-0.5;LowVol:-0.4,ESGOnly;NoDerivatives,6,25,5.8,trailing 10%,99,13.2,Sideways,16.3,3.53,3.3,134,-28,49,52,false,Buy,Add to core equity +1%,3,-33,BrokerB,VWAP,100,None,None,Normal monitoring,-6,-1,58,3,false,Within IPS guidelines
P1758,Opportunistic,IRA,USD,2025-06-05,616363,54479,561884,1.18,60.3,16.0,16.8,6.8,QQQ:22.9%;VOO:22.9%;GLD:15.7%;TSLA:15.5%;AAPL:22.9%,US:71.7;EU:10.5;APAC:8.9;EM:4.6;Other:4.3,Value:+0.7;Growth:-0.4;Quality:-0.3;Size:-0.8;Momentum:+0.4;LowVol:+0.8,MaxPos6%,8,30,5.5,trailing 7%,184,25.5,Sideways,17.0,3.83,2.1,93,-18,52,40,false,Sell,Trim extended winner -1%,3,8,BrokerC,VWAP,89,None,None,Normal monitoring,-34,-29,13,5,false,Tighten stops on momentum names
P1759,Hands-off,Roth,USD,2024-07-24,255576,18430,237146,1.0,58.8,16.9,16.7,7.6,BRK.B:35.1%;VTI:35.1%;AAPL:29.8%,US:65.9;EU:15.6;APAC:8.0;EM:8.2;Other:2.3,Value:-0.3;Growth:-1.0;Quality:-0.6;Size:-0.6;Momentum:+0.6;LowVol:-0.5,,10,25,5.8,trailing 8%,121,14.1,Sideways,15.8,4.72,2.8,110,43,77,36,false,Buy,Add to core equity +1%,11,-40,BrokerD,MKT,90,None,None,Normal monitoring,40,-19,114,5,false,Tax-aware sells next window
P1760,Systematic,Roth,USD,2025-03-24,1072032,89904,982128,1.0,68.0,26.2,0.0,5.8,TSLA:18.7%;MUB:19.9%;BND:14.2%;HYG:20.5%;IEF:6.3%;GLD:20.4%,US:59.2;EU:13.4;APAC:10.4;EM:11.8;Other:5.2,Value:-0.4;Growth:+0.4;Quality:+0.4;Size:-0.6;Momentum:-0.1;LowVol:+0.7,NoDerivatives,8,35,5.3,hard 12%,175,20.0,Volatile,26.8,4.91,2.1,119,48,63,75,true,Reduce,"Cut high-beta by 2-3%, add cash",-1,-30,BrokerA,LMT,92,RegimeShift,Pause,Volatility spike and breadth deterioration,-11,-17,-28,2,false,Within IPS guidelines
P1761,Active,401k,USD,2025-06-10,2025362,217324,1808038,1.09,63.4,30.0,0.0,6.6,VNQ:18.3%;BRK.B:17.1%;AMZN:18.7%;MUB:12.3%;VOO:15.8%;QQQ:17.8%,US:55.1;EU:18.2;APAC:12.1;EM:10.1;Other:4.4,Value:+1.0;Growth:-0.1;Quality:+0.9;Size:+0.4;Momentum:-0.5;LowVol:-0.7,MaxPos5%;NoDerivatives,7,35,5.8,trailing 9%,139,18.3,Bear,30.3,3.13,1.2,179,-43,35,76,true,Hedge,Buy index puts 1% notional,-3,-30,BrokerA,LMT,97,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-54,12,-83,5,false,Tighten stops on momentum names
P1762,Systematic,Roth,USD,2025-08-20,1001744,70976,930768,1.0,61.7,31.9,0.0,6.4,VTI:15.6%;TSLA:23.9%;QQQ:16.0%;MUB:23.9%;TLT:20.7%,US:67.2;EU:17.9;APAC:9.5;EM:4.4;Other:1.0,Value:+0.8;Growth:-0.7;Quality:+0.8;Size:-0.9;Momentum:-0.8;LowVol:+0.1,MaxPos8%,8,30,5.3,hard 12%,126,27.3,Bull,11.1,4.17,2.6,83,118,100,39,false,Buy,Add to core equity +1%,-10,-1,BrokerD,MKT,95,None,None,Normal monitoring,80,16,147,3,false,Tax-aware sells next window
P1763,Active,IRA,USD,2025-02-03,1510768,146462,1364306,1.0,51.6,19.1,20.7,8.6,AMZN:35.3%;MUB:29.4%;TLT:35.3%,US:71.0;EU:14.8;APAC:5.0;EM:4.7;Other:4.5,Value:-0.2;Growth:-0.5;Quality:+0.7;Size:-0.6;Momentum:-0.7;LowVol:+0.4,,5,25,5.4,trailing 8%,157,24.5,Bull,11.8,3.61,2.3,80,27,59,38,false,Rebalance,Shift +1% to bonds from equity,26,-6,BrokerB,LMT,85,None,None,Normal monitoring,51,1,124,4,false,Tax-aware sells next window
P1764,Cautious,Roth,USD,2025-10-27,223426,22695,200731,1.0,42.0,34.7,8.5,14.8,MSFT:24.3%;MUB:19.3%;BRK.B:28.2%;HYG:28.2%,US:72.5;EU:8.3;APAC:9.8;EM:7.6;Other:1.8,Value:-0.7;Growth:-0.6;Quality:-0.4;Size:+0.5;Momentum:-0.9;LowVol:+0.6,ESGOnly;MaxPos8%;NoDerivatives;NoMargin,10,35,3.7,trailing 10%,150,17.4,Bull,11.6,4.92,2.4,81,115,100,35,false,Rebalance,Shift +1% to bonds from equity,15,-36,BrokerC,VWAP,86,None,None,Normal monitoring,48,-52,76,4,false,Increase defensive factor exposure
P1765,Opportunistic,Trust,USD,2025-09-16,1235910,98752,1137158,1.0,72.5,10.4,8.3,8.8,TSLA:20.3%;BND:26.3%;XLF:26.7%;MSFT:26.7%,US:64.6;EU:14.9;APAC:10.7;EM:6.7;Other:3.0,Value:-0.1;Growth:-0.6;Quality:-0.7;Size:-0.8;Momentum:+0.1;LowVol:+0.9,MaxPos6%,10,30,4.6,trailing 7%,209,27.5,Bull,12.5,4.71,3.4,90,17,47,38,false,NoAction,Within bands; monitor,0,-7,BrokerC,MKT,0,None,None,Normal monitoring,10,18,93,3,false,Tighten stops on momentum names
P1766,Cautious,Taxable,USD,2025-08-10,799253,123772,675481,1.0,40.8,43.2,0.0,16.0,TLT:20.3%;BND:16.3%;AAPL:15.2%;TSLA:14.2%;MSFT:19.7%;VNQ:14.3%,US:69.4;EU:9.7;APAC:9.1;EM:8.4;Other:3.5,Value:-0.8;Growth:+0.2;Quality:-0.3;Size:-0.6;Momentum:-0.4;LowVol:+0.4,MaxPos8%;NoDerivatives;NoMargin,10,30,3.4,trailing 8%,127,17.0,Volatile,28.8,5.46,3.5,128,37,62,72,true,Reduce,"Cut high-beta by 2-3%, add cash",16,-25,BrokerC,VWAP,96,RegimeShift,Pause,Volatility spike and breadth deterioration,85,-22,116,5,false,Tighten stops on momentum names
P1767,Opportunistic,Roth,USD,2025-04-18,681847,60979,620868,1.05,75.1,20.8,0.0,4.1,BRK.B:21.1%;TLT:26.3%;XLF:26.3%;BND:26.3%,US:63.2;EU:10.6;APAC:10.5;EM:10.8;Other:4.9,Value:+0.3;Growth:-0.2;Quality:+0.9;Size:-0.0;Momentum:+0.5;LowVol:-0.1,NoDerivatives,8,35,4.7,trailing 7%,194,28.4,Bear,34.5,4.43,1.4,165,-48,16,100,true,Rebalance,Rebalance back to target bands,3,-24,BrokerD,MKT,95,RegimeShift,Hedge,Volatility spike and breadth deterioration,-36,-39,82,3,true,Tax-aware sells next window
P1768,Systematic,Taxable,USD,2024-08-17,1465013,122361,1342652,1.0,59.5,31.5,0.0,9.0,VNQ:36.5%;QQQ:36.5%;VOO:27.0%,US:72.8;EU:10.1;APAC:12.9;EM:2.9;Other:1.2,Value:+0.9;Growth:+0.8;Quality:+0.8;Size:-0.4;Momentum:+0.8;LowVol:-0.7,MaxPos6%;NoDerivatives,8,25,4.3,trailing 8%,146,21.0,Bear,23.2,3.77,1.2,173,-27,27,71,true,Reduce,"Cut high-beta by 2-3%, add cash",9,-16,BrokerD,MKT,95,Drift>tolerance,Pause,Allocation drift beyond policy bands,18,5,141,2,false,Monitor dispersion and breadth
P1769,Opportunistic,Trust,USD,2025-07-25,997174,49010,948164,1.0,62.8,15.3,17.7,4.2,TSLA:19.0%;IEF:28.7%;XLF:28.7%;AMZN:23.6%,US:70.1;EU:7.2;APAC:14.3;EM:7.5;Other:0.8,Value:+0.7;Growth:-0.4;Quality:+0.5;Size:-0.3;Momentum:+0.5;LowVol:+0.7,NoDerivatives,8,25,4.2,trailing 9%,179,22.8,Bull,17.9,4.25,3.2,98,62,85,44,false,Rebalance,Shift +1% to bonds from equity,0,-28,BrokerC,LMT,97,None,None,Normal monitoring,25,-48,134,3,false,Within IPS guidelines
P1770,Active,Trust,USD,2025-10-15,1217661,110407,1107254,1.0,67.9,21.2,3.1,7.8,MSFT:27.8%;QQQ:27.8%;AAPL:16.6%;HYG:27.8%,US:70.5;EU:14.8;APAC:6.1;EM:6.0;Other:2.6,Value:-0.1;Growth:-0.1;Quality:+0.6;Size:-0.7;Momentum:-0.0;LowVol:-0.3,MaxPos7%,7,35,4.9,hard 12%,123,16.5,Bull,17.6,4.64,2.5,102,49,77,60,false,Sell,Trim extended winner -1%,6,-16,BrokerD,VWAP,94,None,None,Normal monitoring,6,-22,140,5,false,Monitor dispersion and breadth
P1771,Opportunistic,Trust,USD,2024-07-24,1222300,71729,1150571,1.0,62.1,12.7,19.3,5.9,AMZN:26.5%;HYG:26.5%;IEF:26.5%;MSFT:20.4%,US:67.2;EU:13.2;APAC:12.2;EM:6.8;Other:0.6,Value:-0.8;Growth:+0.1;Quality:0.0;Size:+0.8;Momentum:0.0;LowVol:-0.6,MaxPos6%,8,25,5.0,hard 12%,220,28.2,Sideways,21.1,3.77,3.2,93,-14,33,69,false,Rebalance,Shift +1% to bonds from equity,8,-28,BrokerD,LMT,96,None,None,Normal monitoring,47,-58,103,4,false,Increase defensive factor exposure
P1772,Active,Roth,USD,2025-01-16,2000349,215207,1785142,1.0,61.5,22.1,10.0,6.4,BRK.B:25.4%;VNQ:25.4%;IEF:25.4%;XLF:23.9%,US:60.5;EU:14.1;APAC:10.1;EM:10.5;Other:4.7,Value:+0.9;Growth:-0.0;Quality:-0.4;Size:-0.9;Momentum:+0.3;LowVol:+0.4,,5,35,4.7,trailing 9%,214,26.9,Bull,11.7,4.27,2.8,91,74,100,40,false,Buy,Add to core equity +1%,-10,5,BrokerC,VWAP,100,None,None,Normal monitoring,4,11,-9,5,false,Tighten stops on momentum names
P1773,Cautious,Taxable,USD,2025-11-05,577878,88510,489368,1.0,49.3,30.7,2.6,17.5,QQQ:26.7%;AAPL:26.7%;TSLA:24.1%;BND:22.6%,US:60.8;EU:14.5;APAC:11.1;EM:13.2;Other:0.4,Value:+0.6;Growth:-0.3;Quality:+0.4;Size:-0.0;Momentum:+0.3;LowVol:-1.0,MaxPos5%;NoMargin,7,35,5.4,trailing 8%,121,16.9,Bull,16.4,3.78,3.4,89,66,84,52,false,Rebalance,Shift +1% to bonds from equity,5,-29,BrokerB,MKT,90,None,None,Normal monitoring,-20,-14,105,3,false,Tax-aware sells next window
P1774,Hands-off,Taxable,USD,2025-04-23,223732,17118,206614,1.0,68.1,16.4,5.9,9.7,IEF:33.3%;HYG:33.3%;TLT:33.3%,US:58.2;EU:14.0;APAC:12.3;EM:11.0;Other:4.5,Value:+0.1;Growth:-0.5;Quality:-0.3;Size:+0.8;Momentum:+0.8;LowVol:+0.2,ESGOnly,7,35,3.4,hard 10%,111,16.0,Sideways,15.6,4.41,2.9,133,42,86,48,false,Sell,Trim extended winner -1%,-14,14,BrokerC,LMT,94,None,None,Normal monitoring,-52,-43,55,5,false,Within IPS guidelines
P1775,Cautious,Trust,USD,2025-08-31,558459,75425,483034,1.0,47.8,38.0,0.0,14.1,BRK.B:25.6%;AMZN:25.9%;TLT:25.9%;VOO:22.6%,US:63.4;EU:16.3;APAC:7.3;EM:10.3;Other:2.7,Value:0.0;Growth:-0.1;Quality:-0.3;Size:-0.6;Momentum:-0.2;LowVol:-0.2,ESGOnly;MaxPos6%;NoDerivatives;NoMargin,7,30,3.9,hard 10%,145,16.1,Bear,27.5,3.54,2.7,199,-11,40,58,false,Rebalance,Shift +1% to bonds from equity,31,-31,BrokerC,LMT,98,None,None,Normal monitoring,40,-60,46,3,false,Tax-aware sells next window
P1776,Hands-off,Trust,USD,2024-10-31,334720,28486,306234,1.0,61.6,21.1,7.4,9.9,BRK.B:10.7%;VOO:23.4%;QQQ:8.0%;IEF:17.4%;TSLA:17.1%;AAPL:23.4%,US:69.8;EU:13.9;APAC:7.5;EM:4.8;Other:3.9,Value:-0.7;Growth:+0.3;Quality:-0.7;Size:-0.5;Momentum:-0.4;LowVol:+1.0,ESGOnly;MaxPos5%,5,30,5.1,trailing 8%,169,12.9,Bull,15.7,4.81,2.1,90,28,77,51,false,Hedge,Add TLT +1% as duration hedge,30,7,BrokerC,MKT,95,None,None,Normal monitoring,60,11,147,4,false,Tighten stops on momentum names
P1777,Cautious,Roth,USD,2025-12-23,522163,64497,457666,1.0,42.1,40.6,0.0,17.3,MUB:33.3%;GLD:33.3%;BRK.B:33.3%,US:63.9;EU:14.7;APAC:9.7;EM:7.0;Other:4.7,Value:-0.2;Growth:-0.8;Quality:-0.7;Size:+0.7;Momentum:+1.0;LowVol:-0.6,NoMargin,7,25,4.5,hard 10%,158,13.6,Bear,32.6,3.81,1.6,182,-20,44,79,true,Hedge,Buy index puts 1% notional,12,-13,BrokerB,LMT,91,VAR>budget,Reduce,Risk above budget threshold,-37,-18,1,3,false,Tax-aware sells next window
P1778,Hands-off,Roth,USD,2024-09-23,577239,45104,532135,1.0,73.4,15.7,1.7,9.2,XLF:14.6%;AMZN:24.1%;GLD:24.1%;AAPL:13.6%;BND:13.7%;QQQ:9.9%,US:66.4;EU:12.3;APAC:12.8;EM:4.5;Other:4.0,Value:+0.8;Growth:-0.2;Quality:-0.1;Size:+0.4;Momentum:-0.8;LowVol:-0.9,NoDerivatives,5,25,4.6,hard 10%,139,15.3,Bull,14.5,4.88,2.0,115,45,58,52,false,Sell,Trim extended winner -1%,9,-35,BrokerD,VWAP,87,None,None,Normal monitoring,-4,5,97,4,false,Increase defensive factor exposure
P1779,Hands-off,IRA,USD,2025-01-30,172046,16016,156030,1.0,57.9,17.6,14.8,9.6,GLD:17.2%;VNQ:18.7%;TLT:21.9%;IEF:21.9%;TSLA:8.7%;BND:11.5%,US:63.4;EU:16.7;APAC:13.5;EM:3.3;Other:3.1,Value:-0.3;Growth:+0.7;Quality:0.0;Size:-0.7;Momentum:0.0;LowVol:-0.6,ESGOnly,8,25,5.2,hard 10%,141,18.2,Bull,15.0,4.08,2.6,90,61,91,47,false,Rebalance,Shift +1% to bonds from equity,24,-17,BrokerA,LMT,85,None,None,Normal monitoring,81,1,118,3,false,Tax-aware sells next window
P1780,Hands-off,Roth,USD,2024-09-22,603484,40561,562923,1.0,67.7,23.4,0.0,8.9,QQQ:22.4%;HYG:21.2%;AMZN:22.4%;XLF:18.7%;TLT:15.3%,US:71.0;EU:10.8;APAC:8.9;EM:8.3;Other:0.9,Value:+0.4;Growth:-0.1;Quality:+0.7;Size:+0.9;Momentum:+0.4;LowVol:-0.0,NoDerivatives,5,25,5.0,trailing 8%,105,17.1,Sideways,14.9,4.45,3.0,120,-24,47,40,false,Buy,Add to core equity +1%,8,12,BrokerB,LMT,89,None,None,Normal monitoring,-34,13,102,4,false,Tax-aware sells next window
P1781,Systematic,IRA,USD,2025-03-05,1518539,89777,1428762,1.0,62.9,30.3,0.0,6.8,VTI:25.8%;VNQ:25.8%;XLF:12.1%;HYG:10.5%;AMZN:25.8%,US:67.3;EU:12.8;APAC:10.6;EM:6.3;Other:3.0,Value:+0.7;Growth:-0.4;Quality:+0.1;Size:-0.8;Momentum:-0.8;LowVol:-0.8,MaxPos7%,8,35,4.5,trailing 8%,151,20.1,Bull,16.0,4.42,3.3,98,79,78,58,false,Rebalance,Shift +1% to bonds from equity,35,10,BrokerC,LMT,100,None,None,Normal monitoring,70,-52,116,4,false,Increase defensive factor exposure
P1782,Opportunistic,Taxable,USD,2025-01-30,1504957,127555,1377402,1.0,63.3,19.5,10.0,7.2,MUB:21.3%;VOO:9.1%;IEF:16.2%;VNQ:21.3%;HYG:21.2%;AMZN:10.8%,US:75.9;EU:6.0;APAC:6.5;EM:8.2;Other:3.3,Value:-0.0;Growth:+0.2;Quality:-0.8;Size:-0.8;Momentum:+0.9;LowVol:+0.8,MaxPos5%,5,30,6.0,trailing 7%,238,29.7,Volatile,31.3,3.59,2.3,179,-1,39,89,true,Hedge,Buy index puts 1% notional,14,-15,BrokerC,VWAP,96,VAR>budget,Hedge,Risk above budget threshold,14,-57,41,5,false,Monitor dispersion and breadth
P1783,Hands-off,Roth,USD,2025-09-01,554351,49986,504365,1.0,66.1,15.1,9.6,9.1,TSLA:33.3%;AMZN:33.3%;VOO:33.3%,US:68.3;EU:16.1;APAC:6.7;EM:4.8;Other:4.1,Value:-1.0;Growth:+0.4;Quality:+0.5;Size:0.0;Momentum:+0.8;LowVol:-0.5,,7,25,5.7,trailing 8%,96,14.2,Bull,17.4,4.63,3.5,99,107,100,46,false,Buy,Add to core equity +1%,4,-35,BrokerC,MKT,85,None,None,Normal monitoring,75,19,140,4,false,Increase defensive factor exposure
P1784,Hands-off,401k,USD,2024-11-02,159844,7231,152613,1.0,68.7,16.6,6.5,8.2,MUB:28.4%;VNQ:28.4%;VOO:23.4%;TSLA:19.8%,US:67.9;EU:6.0;APAC:11.8;EM:10.1;Other:4.1,Value:+0.8;Growth:-0.6;Quality:-0.8;Size:-0.0;Momentum:-0.8;LowVol:-0.7,MaxPos7%;NoDerivatives,8,25,4.8,trailing 8%,137,17.8,Bull,13.9,4.06,2.8,102,110,100,43,false,Rebalance,Shift +1% to bonds from equity,35,-5,BrokerA,MKT,94,None,None,Normal monitoring,34,3,99,3,false,Tighten stops on momentum names
P1785,Hands-off,Taxable,USD,2024-08-01,713229,49919,663310,1.0,61.0,16.2,15.1,7.6,VTI:21.3%;AAPL:15.9%;AMZN:17.7%;GLD:14.6%;MSFT:17.6%;BRK.B:12.9%,US:66.3;EU:9.3;APAC:11.6;EM:9.5;Other:3.3,Value:+0.7;Growth:-0.6;Quality:+0.7;Size:-0.3;Momentum:+0.4;LowVol:-0.4,,5,30,4.4,hard 10%,119,17.9,Sideways,16.1,3.64,2.6,125,45,82,42,false,Buy,Add to core equity +1%,-15,-12,BrokerA,MKT,86,None,None,Normal monitoring,-33,-31,69,4,false,Tax-aware sells next window
P1786,Active,401k,USD,2024-09-28,1242899,118556,1124343,1.0,57.4,18.3,18.4,6.0,VOO:25.0%;MSFT:25.0%;VTI:25.0%;QQQ:25.0%,US:64.1;EU:14.8;APAC:11.7;EM:6.2;Other:3.1,Value:+0.5;Growth:-0.5;Quality:-0.5;Size:-0.3;Momentum:+0.3;LowVol:-0.2,,7,30,5.7,trailing 8%,218,23.1,Bull,17.7,4.59,2.3,77,116,100,52,false,Rebalance,Shift +1% to bonds from equity,21,-40,BrokerB,VWAP,85,None,None,Normal monitoring,102,-58,198,3,false,Tighten stops on momentum names
P1787,Opportunistic,Trust,USD,2024-11-03,1539304,72677,1466627,1.12,70.6,10.8,11.1,7.6,VOO:24.1%;AAPL:14.2%;QQQ:24.1%;MUB:13.4%;BRK.B:24.1%,US:74.0;EU:8.2;APAC:8.1;EM:9.3;Other:0.4,Value:+0.6;Growth:+0.1;Quality:+0.9;Size:+0.3;Momentum:-0.4;LowVol:-0.5,MaxPos7%,6,30,4.4,hard 12%,170,21.4,Volatile,29.5,4.3,3.8,112,-18,50,79,true,Reduce,"Cut high-beta by 2-3%, add cash",-4,-27,BrokerB,MKT,90,VAR>budget,Hedge,Risk above budget threshold,19,-47,80,4,false,Within IPS guidelines
P1788,Cautious,Taxable,USD,2024-12-29,310012,37703,272309,1.0,44.3,41.9,1.8,12.0,HYG:33.3%;VOO:33.3%;BND:33.3%,US:69.6;EU:12.0;APAC:14.6;EM:3.6;Other:0.3,Value:+0.5;Growth:+0.1;Quality:+0.6;Size:+0.3;Momentum:-0.7;LowVol:-0.9,ESGOnly;MaxPos5%;NoMargin,8,30,3.4,trailing 8%,147,18.1,Volatile,27.5,5.32,2.4,143,-32,45,70,false,Rebalance,Shift +1% to bonds from equity,4,-3,BrokerD,VWAP,99,None,None,Normal monitoring,-10,-20,40,5,false,Tighten stops on momentum names
P1789,Cautious,IRA,USD,2024-11-09,706679,60328,646351,1.0,46.8,38.0,0.0,15.1,BRK.B:23.6%;GLD:14.6%;TLT:23.6%;IEF:23.6%;MSFT:14.7%,US:68.7;EU:9.0;APAC:7.6;EM:10.7;Other:4.2,Value:-0.7;Growth:-0.1;Quality:+0.7;Size:-0.1;Momentum:+0.6;LowVol:-0.5,NoMargin,5,35,4.3,trailing 8%,152,17.4,Volatile,23.8,3.73,2.7,134,-3,37,51,true,Reduce,"Cut high-beta by 2-3%, add cash",-11,-33,BrokerD,MKT,88,VAR>budget,Hedge,Risk above budget threshold,110,-39,232,3,false,Tax-aware sells next window
P1790,Opportunistic,Trust,USD,2025-09-22,1047678,92244,955434,1.0,74.7,20.6,0.1,4.6,BND:33.3%;HYG:33.3%;AAPL:33.3%,US:61.5;EU:9.5;APAC:16.5;EM:10.7;Other:1.9,Value:+0.6;Growth:+0.3;Quality:-0.2;Size:-0.8;Momentum:-0.7;LowVol:-0.8,MaxPos8%,7,30,5.2,trailing 9%,203,24.1,Bear,23.0,3.07,2.5,212,-21,34,73,true,Rebalance,Rebalance back to target bands,35,14,BrokerB,LMT,93,Drift>tolerance,Reduce,Allocation drift beyond policy bands,97,-35,135,5,false,Tax-aware sells next window
P1791,Opportunistic,Taxable,USD,2025-10-20,1417692,70260,1347432,1.0,64.4,18.8,9.4,7.4,MUB:33.3%;BND:33.3%;AAPL:33.3%,US:65.1;EU:13.0;APAC:11.1;EM:6.6;Other:4.2,Value:-1.0;Growth:-0.8;Quality:-0.9;Size:-0.8;Momentum:-0.9;LowVol:+0.3,MaxPos7%,10,30,6.6,trailing 7%,248,25.4,Bull,17.8,4.47,2.8,95,102,96,58,false,Buy,Add to core equity +1%,-10,1,BrokerC,LMT,93,None,None,Normal monitoring,-21,6,-60,3,false,Tighten stops on momentum names
P1792,Cautious,401k,USD,2024-10-07,870389,117719,752670,1.0,39.8,30.9,15.0,14.3,VOO:21.7%;XLF:22.4%;IEF:18.8%;MUB:22.4%;AAPL:14.8%,US:65.5;EU:15.8;APAC:11.5;EM:6.7;Other:0.6,Value:-0.8;Growth:0.0;Quality:+0.6;Size:+0.4;Momentum:-0.2;LowVol:+0.1,NoMargin,10,35,3.8,trailing 8%,128,15.4,Sideways,15.5,4.65,2.9,109,-8,44,32,false,Sell,Trim extended winner -1%,27,-6,BrokerA,LMT,93,None,None,Normal monitoring,85,-15,69,4,false,Within IPS guidelines
P1793,Active,Taxable,USD,2025-10-02,643979,49188,594791,1.13,52.0,24.7,16.7,6.6,MUB:33.3%;TSLA:33.3%;VTI:33.3%,US:71.5;EU:11.7;APAC:5.0;EM:11.4;Other:0.3,Value:+1.0;Growth:-0.0;Quality:+0.7;Size:-0.8;Momentum:-0.1;LowVol:-0.7,MaxPos5%,6,35,5.3,hard 12%,212,21.4,Sideways,21.7,3.74,2.0,134,57,80,57,false,Rebalance,Shift +1% to bonds from equity,15,-16,BrokerC,MKT,86,None,None,Normal monitoring,-39,-37,-26,3,false,Monitor dispersion and breadth
P1794,Cautious,Taxable,USD,2025-12-02,280328,24925,255403,1.0,39.6,35.3,9.8,15.3,AAPL:10.8%;TLT:23.5%;BND:23.1%;MUB:19.0%;VNQ:23.5%,US:78.4;EU:9.1;APAC:6.5;EM:5.3;Other:0.7,Value:-0.7;Growth:-0.5;Quality:-0.7;Size:+0.6;Momentum:+0.1;LowVol:-0.7,ESGOnly;MaxPos7%;NoMargin,5,25,5.6,trailing 10%,164,18.6,Bull,12.9,3.85,3.0,100,96,83,19,false,Sell,Trim extended winner -1%,-6,-29,BrokerC,LMT,93,None,None,Normal monitoring,6,-14,71,5,false,Within IPS guidelines
P1795,Hands-off,IRA,USD,2024-09-17,770131,72998,697133,1.0,66.6,17.2,6.3,9.8,VOO:17.1%;BND:24.3%;QQQ:13.9%;TLT:24.3%;MSFT:20.3%,US:75.9;EU:6.6;APAC:8.9;EM:5.0;Other:3.6,Value:+0.6;Growth:+0.5;Quality:-0.8;Size:-0.1;Momentum:-0.5;LowVol:+0.5,,6,30,5.7,trailing 10%,160,15.5,Bear,31.7,3.16,2.3,203,-2,43,76,true,Rebalance,Rebalance back to target bands,-10,-21,BrokerC,LMT,88,RegimeShift,TightenStops,Volatility spike and breadth deterioration,-22,-37,19,2,false,Tighten stops on momentum names
P1796,Systematic,Taxable,USD,2025-07-22,1163749,104485,1059264,1.0,59.8,24.6,6.2,9.4,MUB:13.2%;IEF:21.9%;AMZN:21.9%;GLD:21.9%;TSLA:14.1%;VNQ:6.9%,US:65.3;EU:14.2;APAC:7.8;EM:7.7;Other:5.0,Value:-1.0;Growth:+0.6;Quality:-0.1;Size:-0.2;Momentum:-0.9;LowVol:-0.4,,10,30,4.6,hard 12%,149,17.8,Sideways,16.7,3.7,2.3,120,51,87,45,false,Buy,Add to core equity +1%,-11,-16,BrokerD,MKT,91,None,None,Normal monitoring,-31,18,74,3,false,Tax-aware sells next window
P1797,Cautious,Taxable,USD,2025-10-04,696294,85527,610767,1.0,39.9,41.0,2.6,16.5,BND:33.3%;MSFT:33.3%;HYG:33.3%,US:65.0;EU:14.8;APAC:7.2;EM:9.5;Other:3.5,Value:-0.7;Growth:-0.6;Quality:+0.9;Size:+0.1;Momentum:-0.1;LowVol:-0.5,ESGOnly;NoMargin,8,25,3.8,trailing 8%,111,19.3,Bull,12.6,4.02,3.5,77,117,100,26,false,Rebalance,Shift +1% to bonds from equity,3,-12,BrokerD,LMT,90,None,None,Normal monitoring,96,-21,204,3,false,Tax-aware sells next window
P1798,Cautious,Trust,USD,2024-12-18,844555,121732,722823,1.0,38.0,33.0,12.4,16.6,BND:24.4%;QQQ:24.4%;AMZN:24.4%;VTI:15.4%;HYG:11.4%,US:60.9;EU:14.3;APAC:9.6;EM:10.3;Other:4.8,Value:+0.2;Growth:-0.6;Quality:-0.3;Size:+0.5;Momentum:-0.6;LowVol:-0.8,NoMargin,8,25,3.0,trailing 8%,111,18.7,Sideways,17.7,3.58,2.9,137,31,61,42,false,Rebalance,Shift +1% to bonds from equity,29,-39,BrokerD,LMT,87,None,None,Normal monitoring,111,-16,100,4,false,Tax-aware sells next window
P1799,Active,IRA,USD,2024-08-24,891387,83826,807561,1.0,65.9,21.6,7.1,5.4,HYG:26.1%;VTI:26.1%;QQQ:26.1%;TSLA:21.6%,US:73.2;EU:6.3;APAC:13.5;EM:3.7;Other:3.4,Value:+0.6;Growth:-0.3;Quality:+0.2;Size:-0.3;Momentum:-0.6;LowVol:-0.8,MaxPos5%,8,35,5.2,hard 12%,181,18.7,Volatile,31.7,5.37,4.5,145,5,47,86,true,Reduce,"Cut high-beta by 2-3%, add cash",10,-1,BrokerD,MKT,90,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-1,-32,59,5,false,Within IPS guidelines
P1800,Systematic,401k,USD,2025-08-31,1917377,106147,1811230,1.0,57.7,24.6,10.7,6.9,VNQ:20.6%;AAPL:26.5%;MUB:26.5%;TLT:26.5%,US:64.8;EU:14.5;APAC:6.6;EM:12.4;Other:1.8,Value:+0.4;Growth:+0.3;Quality:-0.1;Size:-0.6;Momentum:+0.1;LowVol:-0.3,,6,35,5.3,hard 12%,221,23.7,Volatile,22.3,5.12,2.5,160,-7,41,50,false,Buy,Add to core equity +1%,-12,-35,BrokerA,LMT,89,None,None,Normal monitoring,-16,-23,27,5,false,Within IPS guidelines
P1801,Systematic,401k,USD,2025-11-18,1874918,139950,1734968,1.0,59.8,32.6,0.0,7.6,AMZN:23.3%;GLD:25.6%;VTI:25.6%;AAPL:25.6%,US:71.9;EU:11.0;APAC:8.1;EM:4.9;Other:4.1,Value:+0.6;Growth:+1.0;Quality:-0.0;Size:-0.8;Momentum:-0.2;LowVol:+0.9,NoDerivatives,7,35,5.0,hard 12%,136,28.0,Volatile,28.5,3.72,3.4,147,47,60,65,false,Sell,Trim extended winner -1%,17,5,BrokerC,LMT,87,None,None,Normal monitoring,54,-56,87,4,false,Within IPS guidelines
P1802,Active,Roth,USD,2025-11-05,1340966,160145,1180821,1.0,55.7,29.8,9.2,5.3,IEF:33.3%;HYG:33.3%;MSFT:33.3%,US:72.5;EU:10.3;APAC:11.6;EM:3.8;Other:1.8,Value:+0.2;Growth:+0.7;Quality:-0.1;Size:-0.1;Momentum:+0.6;LowVol:+0.9,,8,30,4.8,trailing 8%,178,17.1,Volatile,22.7,3.98,2.6,153,12,48,68,false,Sell,Trim extended winner -1%,-7,-7,BrokerB,VWAP,91,None,None,Normal monitoring,32,-34,4,5,false,Within IPS guidelines
P1803,Opportunistic,Trust,USD,2024-10-14,974596,70415,904181,1.0,72.6,12.0,9.7,5.7,MUB:25.0%;VOO:25.0%;IEF:25.0%;VNQ:25.0%,US:64.6;EU:15.2;APAC:7.2;EM:8.6;Other:4.5,Value:+0.7;Growth:-0.8;Quality:+0.9;Size:-0.6;Momentum:+0.5;LowVol:+0.4,,8,35,6.8,trailing 7%,236,21.1,Volatile,27.9,5.17,3.0,178,70,93,89,true,Reduce,"Cut high-beta by 2-3%, add cash",29,14,BrokerD,LMT,85,RegimeShift,Reduce,Volatility spike and breadth deterioration,-23,-52,66,4,false,Increase defensive factor exposure
P1804,Active,Trust,USD,2024-11-05,836196,67174,769022,1.0,58.1,29.2,4.7,8.0,VNQ:16.2%;XLF:23.3%;QQQ:17.4%;TSLA:19.8%;MSFT:23.3%,US:60.9;EU:16.8;APAC:11.2;EM:6.1;Other:5.0,Value:+0.1;Growth:-0.4;Quality:-0.7;Size:-0.4;Momentum:-0.5;LowVol:+0.1,,7,35,4.2,trailing 8%,180,22.4,Sideways,14.9,4.72,2.7,121,54,87,42,true,Reduce,"Cut high-beta by 2-3%, add cash",3,-31,BrokerB,MKT,89,VAR>budget,Reduce,Risk above budget threshold,76,-58,68,5,false,Increase defensive factor exposure
P1805,Systematic,Trust,USD,2025-10-16,1209068,120120,1088948,1.0,60.0,20.3,14.3,5.4,VOO:34.5%;BRK.B:34.5%;XLF:31.1%,US:71.0;EU:8.7;APAC:11.6;EM:8.5;Other:0.3,Value:-0.8;Growth:+0.4;Quality:+0.4;Size:+0.5;Momentum:+0.5;LowVol:+0.6,,10,35,5.8,hard 12%,163,25.0,Volatile,22.0,3.64,2.0,147,71,82,59,true,Rebalance,Rebalance back to target bands,-14,-20,BrokerA,LMT,95,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-23,-3,86,4,true,Tighten stops on momentum names
P1806,Opportunistic,Trust,USD,2025-01-24,1417036,46618,1370418,1.15,74.4,20.2,0.0,5.4,BRK.B:21.0%;GLD:14.9%;XLF:15.8%;TLT:22.5%;QQQ:13.3%;MUB:12.7%,US:66.7;EU:17.0;APAC:12.5;EM:3.6;Other:0.3,Value:-0.3;Growth:+0.7;Quality:-0.7;Size:-0.1;Momentum:-0.3;LowVol:-0.5,NoDerivatives,5,35,5.3,hard 12%,201,29.8,Sideways,14.4,4.17,2.7,126,-8,47,60,false,Rebalance,Shift +1% to bonds from equity,9,-27,BrokerB,MKT,95,None,None,Normal monitoring,-28,-37,70,5,false,Tax-aware sells next window
P1807,Opportunistic,IRA,USD,2025-08-02,839725,43353,796372,1.0,64.1,14.7,13.0,8.2,XLF:22.8%;AMZN:25.9%;IEF:25.4%;TLT:25.9%,US:68.6;EU:13.3;APAC:10.5;EM:6.0;Other:1.7,Value:+0.1;Growth:-0.7;Quality:+0.9;Size:+0.5;Momentum:-0.8;LowVol:-0.8,,6,35,5.9,hard 12%,247,27.1,Bear,24.9,3.26,2.7,209,-47,32,59,false,Sell,Trim extended winner -1%,26,11,BrokerD,VWAP,92,None,None,Normal monitoring,81,-2,196,5,false,Tighten stops on momentum names
P1808,Cautious,Taxable,USD,2024-10-08,196728,22647,174081,1.0,39.3,42.9,7.4,10.3,IEF:27.8%;VTI:27.8%;HYG:27.8%;XLF:16.7%,US:68.4;EU:6.8;APAC:13.8;EM:8.6;Other:2.4,Value:-0.8;Growth:-0.6;Quality:+0.9;Size:-0.9;Momentum:-1.0;LowVol:-0.2,NoDerivatives;NoMargin,8,35,5.3,trailing 10%,123,14.0,Sideways,14.8,4.15,2.0,125,50,64,43,false,Buy,Add to core equity +1%,1,-26,BrokerD,MKT,91,None,None,Normal monitoring,114,7,241,5,false,Monitor dispersion and breadth
P1809,Systematic,Roth,USD,2025-04-22,847288,35640,811648,1.0,56.3,27.4,10.3,6.1,MUB:24.7%;IEF:28.1%;TLT:19.2%;QQQ:28.1%,US:63.6;EU:17.3;APAC:14.3;EM:4.4;Other:0.4,Value:+0.5;Growth:+0.6;Quality:+0.6;Size:+0.5;Momentum:-0.6;LowVol:+0.4,MaxPos7%,5,25,4.9,trailing 8%,193,26.9,Sideways,14.3,3.68,2.7,111,4,60,41,false,Sell,Trim extended winner -1%,32,-11,BrokerA,MKT,92,None,None,Normal monitoring,44,-56,125,4,false,Monitor dispersion and breadth
P1810,Cautious,Trust,USD,2025-10-03,717349,108478,608871,1.0,40.4,36.5,9.7,13.3,VTI:20.9%;GLD:14.7%;TSLA:21.3%;MSFT:7.6%;IEF:14.0%;QQQ:21.3%,US:63.1;EU:11.6;APAC:11.9;EM:12.8;Other:0.5,Value:+0.9;Growth:+0.5;Quality:+0.5;Size:+0.9;Momentum:-0.6;LowVol:+0.9,ESGOnly;NoMargin,6,25,4.0,trailing 8%,90,13.9,Bull,14.4,4.61,2.2,113,18,54,32,false,Buy,Add to core equity +1%,-4,1,BrokerD,MKT,85,None,None,Normal monitoring,-34,11,-7,4,false,Tax-aware sells next window
P1811,Hands-off,Taxable,USD,2024-08-25,763660,49458,714202,1.0,72.1,21.6,0.0,6.3,QQQ:9.3%;VNQ:21.2%;GLD:8.7%;TSLA:21.2%;AAPL:19.2%;BND:20.4%,US:71.5;EU:6.7;APAC:6.6;EM:13.8;Other:1.5,Value:-0.9;Growth:-0.5;Quality:-0.8;Size:-0.6;Momentum:+0.5;LowVol:+0.7,,7,25,5.0,trailing 10%,123,15.0,Bull,15.8,4.3,2.3,102,68,99,48,false,Buy,Add to core equity +1%,9,-8,BrokerD,LMT,97,None,None,Normal monitoring,13,-48,114,3,false,Tax-aware sells next window
P1812,Systematic,Taxable,USD,2025-08-03,1653148,130916,1522232,1.0,55.5,27.4,10.1,7.0,AMZN:25.0%;GLD:25.0%;XLF:25.0%;QQQ:25.0%,US:71.1;EU:15.4;APAC:5.1;EM:3.9;Other:4.5,Value:+0.1;Growth:-0.3;Quality:-0.0;Size:-0.3;Momentum:-0.5;LowVol:+0.8,MaxPos7%,7,25,5.3,trailing 8%,129,21.2,Volatile,28.4,5.12,3.2,177,75,91,78,true,Reduce,"Cut high-beta by 2-3%, add cash",4,-17,BrokerD,MKT,88,RegimeShift,Hedge,Volatility spike and breadth deterioration,-14,12,61,4,false,Tighten stops on momentum names
P1813,Cautious,IRA,USD,2025-11-02,877895,121308,756587,1.0,48.9,32.8,7.1,11.2,TLT:33.3%;AMZN:33.3%;VNQ:33.3%,US:68.6;EU:18.4;APAC:6.5;EM:6.1;Other:0.4,Value:-0.9;Growth:-1.0;Quality:-0.5;Size:+0.2;Momentum:+0.6;LowVol:+0.5,ESGOnly;MaxPos6%;NoDerivatives;NoMargin,10,35,3.9,trailing 8%,103,15.5,Sideways,19.3,3.91,3.4,125,15,45,52,false,Sell,Trim extended winner -1%,-9,-17,BrokerB,VWAP,99,None,None,Normal monitoring,3,-2,-3,5,false,Within IPS guidelines
P1814,Hands-off,Roth,USD,2025-03-08,421564,34090,387474,1.0,69.1,16.1,5.8,9.0,GLD:33.3%;IEF:33.3%;TLT:33.3%,US:67.6;EU:13.0;APAC:8.8;EM:8.2;Other:2.5,Value:-0.5;Growth:-0.2;Quality:+0.4;Size:-0.8;Momentum:+0.5;LowVol:+0.2,NoDerivatives,7,30,5.9,trailing 10%,148,17.5,Bear,30.9,3.94,1.0,182,-72,18,84,true,Hedge,Buy index puts 1% notional,8,10,BrokerB,MKT,90,VAR>budget,Pause,Risk above budget threshold,-38,-17,46,3,false,Within IPS guidelines
P1815,Opportunistic,Taxable,USD,2024-10-09,1437935,98414,1339521,1.0,65.9,21.1,4.3,8.7,AMZN:29.2%;VNQ:23.4%;AAPL:29.2%;BRK.B:18.2%,US:70.5;EU:5.8;APAC:13.5;EM:10.0;Other:0.2,Value:-0.1;Growth:+0.8;Quality:-0.6;Size:+0.3;Momentum:-0.5;LowVol:-0.2,,6,30,4.4,hard 12%,254,22.3,Volatile,25.4,3.77,4.1,125,60,71,76,true,Reduce,"Cut high-beta by 2-3%, add cash",-4,-33,BrokerC,LMT,96,Drift>tolerance,Hedge,Allocation drift beyond policy bands,14,-58,-2,2,false,Tax-aware sells next window
P1816,Cautious,Taxable,USD,2025-10-21,898656,140275,758381,1.0,49.7,31.9,5.5,12.9,IEF:25.5%;QQQ:25.5%;VTI:25.5%;TLT:23.4%,US:58.2;EU:16.2;APAC:13.4;EM:9.8;Other:2.5,Value:+0.9;Growth:+1.0;Quality:-0.2;Size:+1.0;Momentum:+0.2;LowVol:-0.1,ESGOnly;MaxPos8%;NoMargin,7,35,3.2,hard 10%,163,19.5,Bear,33.1,3.05,1.9,202,-72,12,83,true,Rebalance,Rebalance back to target bands,31,-27,BrokerD,LMT,93,Drift>tolerance,Hedge,Allocation drift beyond policy bands,79,-34,156,2,false,Monitor dispersion and breadth
P1817,Opportunistic,Roth,USD,2025-09-30,1464680,70508,1394172,1.0,76.6,17.0,0.3,6.2,VOO:28.4%;TSLA:14.8%;MSFT:28.4%;QQQ:28.4%,US:68.2;EU:6.5;APAC:15.3;EM:5.6;Other:4.3,Value:-0.7;Growth:+0.6;Quality:-0.7;Size:-0.8;Momentum:-0.5;LowVol:-0.3,MaxPos5%;NoDerivatives,5,35,5.8,trailing 7%,209,27.0,Volatile,27.8,5.41,2.8,140,5,45,77,true,Rebalance,Rebalance back to target bands,-6,14,BrokerD,MKT,88,Drift>tolerance,Hedge,Allocation drift beyond policy bands,115,-12,242,3,false,Increase defensive factor exposure
P1818,Opportunistic,Trust,USD,2024-09-07,1240856,66960,1173896,1.0,61.4,18.3,12.9,7.3,QQQ:21.6%;MSFT:20.1%;VNQ:18.5%;BND:21.0%;GLD:18.8%,US:72.0;EU:8.1;APAC:6.1;EM:9.2;Other:4.6,Value:-1.0;Growth:+0.8;Quality:+0.4;Size:-0.1;Momentum:+1.0;LowVol:-0.4,NoDerivatives,8,30,4.9,trailing 7%,181,23.1,Bull,12.0,4.02,2.2,78,4,37,31,false,Hedge,Add TLT +1% as duration hedge,32,5,BrokerA,MKT,96,None,None,Normal monitoring,55,2,103,5,false,Tighten stops on momentum names
P1819,Active,IRA,USD,2024-07-12,1585315,125406,1459909,1.0,64.7,25.9,0.0,9.4,BND:29.4%;GLD:35.3%;XLF:35.3%,US:68.1;EU:11.8;APAC:11.6;EM:4.4;Other:4.1,Value:+0.6;Growth:-0.4;Quality:-0.3;Size:-1.0;Momentum:-0.3;LowVol:+1.0,MaxPos6%,10,30,5.2,trailing 8%,201,24.2,Volatile,25.2,3.8,3.7,173,-47,36,64,false,Buy,Add to core equity +1%,-10,-28,BrokerC,MKT,97,None,None,Normal monitoring,105,-28,125,3,false,Within IPS guidelines
P1820,Hands-off,IRA,USD,2025-11-11,864793,40926,823867,1.0,72.1,21.2,0.0,6.7,TSLA:21.7%;VTI:15.6%;HYG:21.3%;MUB:8.4%;IEF:13.1%;VOO:19.8%,US:66.1;EU:14.6;APAC:11.2;EM:6.3;Other:1.8,Value:+0.4;Growth:-0.3;Quality:-0.9;Size:-0.7;Momentum:+0.4;LowVol:+0.6,,8,35,5.3,hard 10%,122,15.0,Bear,23.9,3.74,2.9,205,-52,19,67,false,Sell,Trim extended winner -1%,7,9,BrokerB,LMT,88,None,None,Normal monitoring,76,-57,80,3,false,Tighten stops on momentum names
P1821,Cautious,Trust,USD,2025-12-22,726768,61005,665763,1.0,53.0,37.0,0.0,10.0,IEF:33.3%;TSLA:33.3%;BND:33.3%,US:63.1;EU:14.2;APAC:9.7;EM:9.7;Other:3.3,Value:+0.3;Growth:-0.8;Quality:-0.4;Size:-0.1;Momentum:+0.7;LowVol:+0.8,NoMargin,7,25,3.4,hard 10%,90,19.6,Bear,27.7,3.05,1.7,169,-31,43,68,false,NoAction,Within bands; monitor,3,-39,BrokerB,MKT,0,None,None,Normal monitoring,109,-16,170,4,false,Increase defensive factor exposure
P1822,Cautious,Roth,USD,2025-01-14,629044,100636,528408,1.0,46.4,39.2,0.6,13.9,IEF:18.5%;MUB:18.3%;BND:17.6%;VNQ:7.0%;VTI:19.9%;XLF:18.7%,US:64.3;EU:24.8;APAC:7.1;EM:3.7;Other:0.1,Value:+1.0;Growth:-0.2;Quality:+0.1;Size:-0.1;Momentum:-0.5;LowVol:-0.5,ESGOnly;MaxPos6%;NoDerivatives;NoMargin,7,30,4.8,trailing 8%,146,19.5,Bull,17.7,4.23,2.2,115,31,57,41,false,Sell,Trim extended winner -1%,27,-32,BrokerB,LMT,88,None,None,Normal monitoring,5,-3,14,3,false,Tighten stops on momentum names
P1823,Active,Trust,USD,2025-03-11,507521,58999,448522,1.0,63.6,22.2,4.7,9.6,AMZN:21.4%;TLT:16.8%;VOO:21.4%;AAPL:19.1%;HYG:21.4%,US:64.2;EU:14.0;APAC:16.4;EM:4.6;Other:0.7,Value:+0.3;Growth:+0.6;Quality:-1.0;Size:-0.5;Momentum:-0.2;LowVol:+0.1,,6,30,4.4,trailing 9%,195,22.5,Bull,13.0,3.63,2.9,86,79,87,40,false,Rebalance,Shift +1% to bonds from equity,-13,13,BrokerA,MKT,91,None,None,Normal monitoring,97,-26,203,5,false,Within IPS guidelines
P1824,Opportunistic,Taxable,USD,2025-10-10,397995,15954,382041,1.0,61.6,16.1,16.9,5.4,VTI:21.5%;IEF:29.7%;AMZN:29.7%;TLT:19.1%,US:66.2;EU:6.9;APAC:13.1;EM:12.6;Other:1.1,Value:-0.1;Growth:+0.5;Quality:0.0;Size:-0.4;Momentum:+0.3;LowVol:+0.4,,7,30,6.8,hard 12%,278,24.7,Bull,14.5,4.91,2.2,120,86,80,35,false,Rebalance,Shift +1% to bonds from equity,9,-34,BrokerA,VWAP,87,None,None,Normal monitoring,92,-26,144,5,false,Tighten stops on momentum names
P1825,Hands-off,Taxable,USD,2025-01-30,437074,30924,406150,1.0,63.2,24.1,7.0,5.7,XLF:15.4%;TLT:12.9%;GLD:23.9%;VOO:23.9%;BRK.B:23.9%,US:70.2;EU:14.2;APAC:6.9;EM:7.9;Other:0.8,Value:+0.8;Growth:+0.9;Quality:-0.4;Size:-0.3;Momentum:+0.3;LowVol:-0.3,,6,25,3.8,hard 10%,112,15.0,Bull,11.8,4.05,2.6,104,13,67,44,false,Buy,Add to core equity +1%,-8,-37,BrokerD,LMT,96,None,None,Normal monitoring,15,-17,126,5,false,Within IPS guidelines
P1826,Cautious,Trust,USD,2025-06-23,678847,106196,572651,1.0,44.1,38.7,0.0,17.2,TSLA:23.0%;IEF:25.7%;AMZN:25.7%;GLD:25.7%,US:70.5;EU:7.0;APAC:13.3;EM:4.2;Other:5.1,Value:+0.3;Growth:+0.4;Quality:+0.6;Size:-0.8;Momentum:-0.1;LowVol:+1.0,ESGOnly;NoMargin,8,30,4.3,hard 10%,141,19.3,Bull,15.4,4.97,3.0,92,38,70,38,false,Rebalance,Shift +1% to bonds from equity,22,-38,BrokerD,LMT,93,None,None,Normal monitoring,52,-44,27,4,false,Tax-aware sells next window
P1827,Cautious,Trust,USD,2024-09-19,291237,41115,250122,1.0,45.2,37.4,6.4,11.0,AMZN:20.0%;XLF:13.0%;BND:22.3%;MUB:22.3%;GLD:22.3%,US:64.8;EU:16.0;APAC:8.6;EM:9.5;Other:1.0,Value:-0.5;Growth:-0.1;Quality:+0.3;Size:+0.1;Momentum:+0.7;LowVol:+0.3,NoDerivatives;NoMargin,10,30,5.8,trailing 8%,116,14.0,Volatile,25.2,4.12,4.5,119,-37,18,67,false,Buy,Add to core equity +1%,-15,-3,BrokerA,LMT,98,None,None,Normal monitoring,-48,13,84,4,false,Within IPS guidelines
P1828,Active,Trust,USD,2024-11-17,920717,64306,856411,1.09,58.2,19.4,15.8,6.6,MUB:25.0%;VNQ:25.0%;BRK.B:25.0%;HYG:25.0%,US:65.8;EU:9.8;APAC:12.2;EM:8.5;Other:3.6,Value:-1.0;Growth:+0.7;Quality:-0.6;Size:-0.0;Momentum:+0.5;LowVol:-0.5,,6,30,4.2,trailing 9%,172,18.3,Sideways,20.9,3.98,3.0,132,20,61,55,false,Rebalance,Shift +1% to bonds from equity,9,-18,BrokerA,MKT,94,None,None,Normal monitoring,107,-29,209,4,false,Monitor dispersion and breadth
P1829,Systematic,Taxable,USD,2024-09-14,1411501,107528,1303973,1.0,55.6,26.9,11.8,5.7,IEF:17.7%;XLF:17.3%;MUB:12.3%;VOO:14.7%;VNQ:20.0%;QQQ:17.9%,US:70.9;EU:11.3;APAC:6.9;EM:5.7;Other:5.2,Value:-0.4;Growth:+0.7;Quality:+0.9;Size:+0.1;Momentum:-0.9;LowVol:+0.5,NoDerivatives,8,35,5.8,trailing 8%,187,22.9,Volatile,28.0,4.28,3.8,120,-56,23,70,true,Reduce,"Cut high-beta by 2-3%, add cash",-4,9,BrokerA,LMT,95,VAR>budget,TightenStops,Risk above budget threshold,100,-8,121,3,false,Increase defensive factor exposure
P1830,Opportunistic,IRA,USD,2025-11-07,1133128,36856,1096272,1.0,70.0,19.5,4.3,6.2,AAPL:15.4%;QQQ:21.9%;VNQ:10.9%;IEF:19.1%;VOO:10.8%;XLF:21.9%,US:67.6;EU:10.0;APAC:16.9;EM:4.1;Other:1.4,Value:+0.3;Growth:-0.7;Quality:-0.0;Size:-0.3;Momentum:+0.5;LowVol:+0.5,MaxPos8%,5,25,4.9,trailing 7%,241,25.8,Bear,23.1,3.11,2.6,151,1,49,68,false,Rebalance,Shift +1% to bonds from equity,31,12,BrokerA,VWAP,99,None,None,Normal monitoring,119,-45,253,5,false,Tighten stops on momentum names
P1831,Hands-off,Taxable,USD,2024-10-06,410655,30368,380287,1.0,66.4,24.4,1.8,7.4,HYG:36.1%;BND:27.8%;GLD:36.1%,US:66.0;EU:13.6;APAC:10.6;EM:4.9;Other:4.9,Value:-0.5;Growth:+0.9;Quality:-0.4;Size:+0.8;Momentum:-0.2;LowVol:-0.5,ESGOnly;MaxPos6%,8,35,5.4,hard 10%,144,14.3,Sideways,15.2,4.4,2.9,133,10,43,41,false,Buy,Add to core equity +1%,29,-1,BrokerB,MKT,88,None,None,Normal monitoring,-9,-41,-3,3,false,Tighten stops on momentum names
P1832,Systematic,401k,USD,2025-03-08,1816545,82163,1734382,1.0,57.1,20.8,17.0,5.1,VNQ:10.5%;AAPL:19.3%;VOO:8.9%;HYG:20.8%;IEF:20.8%;QQQ:19.6%,US:67.0;EU:11.0;APAC:13.0;EM:7.8;Other:1.2,Value:+0.2;Growth:+0.7;Quality:-0.4;Size:+0.4;Momentum:-1.0;LowVol:-0.8,MaxPos8%;NoDerivatives,7,30,4.6,trailing 8%,132,16.9,Bull,15.5,3.5,3.1,76,72,78,43,false,Rebalance,Shift +1% to bonds from equity,-13,-26,BrokerB,MKT,96,None,None,Normal monitoring,-54,13,-48,3,false,Increase defensive factor exposure
P1833,Active,Trust,USD,2025-08-08,531067,37940,493127,1.0,65.0,22.7,7.3,5.0,HYG:12.2%;QQQ:22.4%;VOO:22.4%;TLT:20.8%;AMZN:22.4%,US:71.7;EU:7.3;APAC:7.2;EM:11.6;Other:2.3,Value:0.0;Growth:-0.8;Quality:-1.0;Size:+0.2;Momentum:-0.7;LowVol:-0.8,MaxPos6%;NoDerivatives,8,30,4.7,trailing 9%,212,18.0,Bear,31.5,4.2,2.5,213,26,63,73,true,Hedge,Buy index puts 1% notional,-3,-14,BrokerA,LMT,91,VAR>budget,TightenStops,Risk above budget threshold,-26,19,68,2,false,Tax-aware sells next window
P1834,Hands-off,Roth,USD,2025-03-04,585902,48527,537375,1.0,63.2,19.3,9.6,7.9,GLD:32.5%;TSLA:33.7%;QQQ:33.7%,US:65.3;EU:14.1;APAC:9.7;EM:7.6;Other:3.2,Value:+0.7;Growth:-0.4;Quality:-0.3;Size:+0.7;Momentum:+0.9;LowVol:-0.4,ESGOnly;MaxPos7%;NoDerivatives,10,30,3.9,trailing 10%,149,13.7,Sideways,21.4,3.88,2.1,125,6,41,61,false,Rebalance,Shift +1% to bonds from equity,8,4,BrokerA,MKT,98,None,None,Normal monitoring,-37,-41,16,4,false,Tighten stops on momentum names
P1835,Active,Roth,USD,2025-03-07,1302851,130613,1172238,1.22,61.3,20.8,10.5,7.4,TSLA:25.5%;AMZN:25.5%;VNQ:25.5%;BND:23.5%,US:64.8;EU:8.1;APAC:14.7;EM:6.8;Other:5.7,Value:-0.5;Growth:-0.9;Quality:+0.8;Size:-0.3;Momentum:+0.1;LowVol:-0.7,MaxPos6%;NoDerivatives,10,35,4.2,hard 12%,121,23.8,Bear,23.9,4.16,2.2,142,-107,5,69,false,Buy,Add to core equity +1%,21,-12,BrokerC,VWAP,100,None,None,Normal monitoring,-38,-29,-4,3,false,Within IPS guidelines
P1836,Cautious,IRA,USD,2024-11-13,862853,114630,748223,1.0,36.4,43.0,4.5,16.1,IEF:19.3%;XLF:21.5%;BRK.B:21.5%;VTI:21.5%;MUB:16.2%,US:62.2;EU:20.8;APAC:6.4;EM:9.8;Other:0.8,Value:-0.4;Growth:+0.9;Quality:+0.1;Size:-0.5;Momentum:-0.1;LowVol:+0.9,NoMargin,6,35,3.6,hard 10%,126,13.5,Volatile,28.2,4.6,3.3,168,80,92,58,false,Rebalance,Shift +1% to bonds from equity,18,-14,BrokerC,MKT,88,None,None,Normal monitoring,6,-53,75,5,false,Monitor dispersion and breadth
P1837,Active,401k,USD,2024-08-02,1693600,151408,1542192,1.0,53.9,24.3,13.3,8.4,QQQ:25.0%;XLF:25.0%;VTI:25.0%;VOO:25.0%,US:60.2;EU:12.2;APAC:15.3;EM:9.2;Other:3.0,Value:-0.8;Growth:-0.0;Quality:+0.4;Size:+0.7;Momentum:+0.3;LowVol:-0.7,,5,25,5.8,trailing 9%,227,24.0,Bull,11.3,3.56,3.4,117,92,93,24,false,Sell,Trim extended winner -1%,24,-35,BrokerA,MKT,87,None,None,Normal monitoring,-37,-60,83,5,false,Monitor dispersion and breadth
P1838,Cautious,Trust,USD,2025-04-01,285962,33674,252288,1.0,40.3,31.5,10.6,17.6,QQQ:26.9%;VNQ:26.9%;XLF:26.9%;BRK.B:19.2%,US:72.9;EU:6.5;APAC:13.1;EM:7.2;Other:0.3,Value:0.0;Growth:+0.3;Quality:+0.4;Size:-0.7;Momentum:0.0;LowVol:+0.8,NoMargin,5,25,3.2,trailing 8%,145,17.7,Bull,11.7,4.63,3.0,78,36,82,28,false,Buy,Add to core equity +1%,9,7,BrokerA,LMT,96,None,None,Normal monitoring,10,-54,138,4,false,Increase defensive factor exposure
P1839,Active,Trust,USD,2024-09-26,2044586,205386,1839200,1.0,63.9,27.5,0.0,8.6,MUB:20.0%;BRK.B:18.6%;GLD:19.7%;IEF:17.4%;VTI:13.8%;XLF:10.4%,US:68.7;EU:14.8;APAC:9.3;EM:6.5;Other:0.7,Value:-0.7;Growth:+0.8;Quality:+0.9;Size:+0.2;Momentum:-0.3;LowVol:+0.2,,7,25,5.7,hard 12%,174,19.8,Volatile,20.9,5.13,4.1,128,68,83,67,false,Sell,Trim extended winner -1%,-9,-27,BrokerC,MKT,86,None,None,Normal monitoring,68,3,126,4,false,Increase defensive factor exposure
P1840,Systematic,Taxable,USD,2025-08-09,473110,45501,427609,1.0,67.2,21.8,3.9,7.1,VNQ:19.7%;BND:31.5%;AAPL:31.5%;VTI:17.3%,US:65.8;EU:10.8;APAC:17.1;EM:5.7;Other:0.6,Value:-0.3;Growth:+0.2;Quality:-0.1;Size:-0.0;Momentum:-0.1;LowVol:+0.2,MaxPos8%,10,35,5.5,hard 12%,199,23.7,Sideways,19.3,4.18,2.3,136,-21,41,62,false,Hedge,Add TLT +1% as duration hedge,16,-35,BrokerC,MKT,90,None,None,Normal monitoring,56,-1,139,5,false,Tighten stops on momentum names
P1841,Hands-off,401k,USD,2025-07-26,340960,27249,313711,1.0,68.0,22.8,0.0,9.2,GLD:15.8%;MUB:22.8%;AMZN:11.2%;VNQ:25.1%;HYG:25.1%,US:60.6;EU:11.1;APAC:13.3;EM:10.3;Other:4.8,Value:-0.5;Growth:-1.0;Quality:+0.1;Size:-0.7;Momentum:+0.3;LowVol:+0.7,,10,30,4.2,hard 10%,100,12.8,Bull,14.5,4.83,3.4,75,119,100,51,true,Hedge,Buy index puts 1% notional,4,-32,BrokerB,LMT,99,RegimeShift,Hedge,Volatility spike and breadth deterioration,18,-13,112,2,false,Within IPS guidelines
P1842,Hands-off,Roth,USD,2025-02-05,449162,43094,406068,1.0,69.1,16.8,7.2,7.0,QQQ:33.3%;VOO:33.3%;TLT:33.3%,US:66.4;EU:8.8;APAC:12.2;EM:7.5;Other:5.1,Value:-0.8;Growth:+0.4;Quality:+0.8;Size:-0.6;Momentum:-1.0;LowVol:+0.9,,5,30,3.9,trailing 10%,111,14.4,Volatile,22.2,4.61,2.0,172,-10,37,69,false,Rebalance,Shift +1% to bonds from equity,14,-11,BrokerB,MKT,97,None,None,Normal monitoring,28,0,2,5,false,Within IPS guidelines
P1843,Systematic,IRA,USD,2025-08-09,722749,68068,654681,1.0,58.5,29.4,6.5,5.6,XLF:21.0%;AAPL:21.0%;HYG:7.6%;MSFT:11.9%;TSLA:17.5%;AMZN:21.0%,US:73.2;EU:7.8;APAC:10.6;EM:4.0;Other:4.4,Value:+0.2;Growth:+0.3;Quality:+0.8;Size:-0.1;Momentum:+0.9;LowVol:+0.7,,10,30,4.2,hard 12%,157,21.3,Bear,28.8,3.89,1.8,218,-39,18,70,false,Rebalance,Shift +1% to bonds from equity,-14,7,BrokerA,VWAP,85,None,None,Normal monitoring,45,-51,91,3,false,Increase defensive factor exposure
P1844,Cautious,401k,USD,2024-12-14,291700,45397,246303,1.0,42.5,41.2,0.0,16.2,VOO:26.8%;HYG:36.6%;TLT:36.6%,US:58.3;EU:18.2;APAC:7.7;EM:11.3;Other:4.4,Value:+0.9;Growth:-0.4;Quality:+1.0;Size:+0.9;Momentum:+0.8;LowVol:+1.0,ESGOnly;NoMargin,7,25,3.6,trailing 8%,111,17.6,Volatile,23.0,5.36,4.2,138,32,76,44,false,Buy,Add to core equity +1%,21,-23,BrokerA,MKT,86,None,None,Normal monitoring,-53,-3,57,4,false,Within IPS guidelines
P1845,Systematic,Trust,USD,2025-07-25,728672,55608,673064,1.0,63.3,31.4,0.0,5.3,QQQ:13.8%;AMZN:28.7%;TSLA:28.7%;GLD:28.7%,US:76.7;EU:10.2;APAC:7.9;EM:4.4;Other:0.9,Value:+0.3;Growth:-0.1;Quality:+0.1;Size:+0.8;Momentum:-0.3;LowVol:+0.4,MaxPos6%,5,25,4.4,hard 12%,130,26.8,Bull,17.7,4.98,3.0,99,6,44,62,false,Buy,Add to core equity +1%,18,-22,BrokerA,MKT,86,None,None,Normal monitoring,88,11,194,4,false,Monitor dispersion and breadth
P1846,Active,Trust,USD,2025-03-01,2185198,257895,1927303,1.18,57.1,25.4,11.8,5.7,MSFT:20.3%;TSLA:21.8%;GLD:21.8%;VNQ:14.2%;VTI:21.8%,US:66.2;EU:12.9;APAC:9.9;EM:8.9;Other:2.1,Value:+0.2;Growth:-0.4;Quality:+1.0;Size:+0.1;Momentum:+0.5;LowVol:+0.6,,10,35,5.1,trailing 8%,122,23.7,Sideways,15.4,4.35,2.2,102,-29,45,35,false,Sell,Trim extended winner -1%,-12,-29,BrokerB,LMT,91,None,None,Normal monitoring,27,-10,17,4,false,Monitor dispersion and breadth
P1847,Cautious,IRA,USD,2025-01-16,862470,81058,781412,1.0,39.4,42.2,7.9,10.4,TSLA:30.4%;BND:30.4%;VOO:24.4%;VNQ:14.7%,US:68.1;EU:16.9;APAC:9.5;EM:4.3;Other:1.2,Value:-0.8;Growth:+0.1;Quality:+0.1;Size:+0.6;Momentum:-0.2;LowVol:+0.7,ESGOnly;MaxPos7%;NoMargin,8,25,5.3,trailing 10%,163,17.5,Bull,12.2,3.7,2.9,98,116,100,25,false,Rebalance,Shift +1% to bonds from equity,11,-8,BrokerB,MKT,92,None,None,Normal monitoring,40,12,25,5,false,Increase defensive factor exposure
P1848,Hands-off,Trust,USD,2025-10-11,257353,20538,236815,1.0,69.5,25.7,0.0,4.9,TSLA:23.6%;BND:25.5%;AMZN:25.5%;QQQ:25.5%,US:64.9;EU:11.9;APAC:8.5;EM:10.2;Other:4.4,Value:+0.9;Growth:-0.9;Quality:-0.0;Size:+0.8;Momentum:-0.2;LowVol:+0.3,ESGOnly;MaxPos7%,10,35,5.6,trailing 8%,93,14.3,Bull,14.0,4.4,2.3,92,106,100,49,false,Buy,Add to core equity +1%,-9,4,BrokerB,VWAP,90,None,None,Normal monitoring,28,5,7,5,false,Tighten stops on momentum names
P1849,Cautious,401k,USD,2024-09-04,545827,61337,484490,1.0,41.9,35.6,11.2,11.3,BRK.B:9.5%;BND:11.5%;VNQ:21.0%;MUB:21.0%;TLT:15.9%;HYG:21.0%,US:72.8;EU:9.0;APAC:7.4;EM:10.5;Other:0.4,Value:+0.7;Growth:-0.3;Quality:+0.2;Size:+0.7;Momentum:-0.6;LowVol:-0.5,ESGOnly;MaxPos5%;NoDerivatives;NoMargin,5,25,4.9,trailing 10%,95,14.0,Volatile,24.1,3.67,3.5,146,64,70,55,false,Sell,Trim extended winner -1%,-8,-6,BrokerA,MKT,85,None,None,Normal monitoring,50,19,11,5,false,Increase defensive factor exposure
P1850,Active,Trust,USD,2025-06-28,1531709,124305,1407404,1.0,57.3,27.0,9.6,6.1,HYG:27.0%;QQQ:20.1%;BRK.B:27.0%;BND:26.0%,US:68.0;EU:10.0;APAC:6.4;EM:12.0;Other:3.6,Value:+0.8;Growth:-0.2;Quality:+0.9;Size:+0.8;Momentum:-0.3;LowVol:-0.3,,7,25,4.5,trailing 9%,127,19.2,Volatile,22.4,3.87,2.6,146,-2,48,69,false,Buy,Add to core equity +1%,11,-39,BrokerA,MKT,91,None,None,Normal monitoring,116,-39,93,4,false,Within IPS guidelines
P1851,Hands-off,401k,USD,2025-03-26,291917,24180,267737,1.0,57.9,19.6,15.0,7.4,VTI:20.9%;MSFT:20.9%;AAPL:8.5%;BND:20.8%;VOO:17.0%;MUB:12.0%,US:64.7;EU:17.3;APAC:7.3;EM:6.6;Other:4.1,Value:+0.8;Growth:-0.5;Quality:-0.7;Size:+0.3;Momentum:-0.8;LowVol:+0.7,ESGOnly;MaxPos7%,8,25,5.5,hard 10%,98,12.4,Bull,15.6,4.94,3.0,94,86,87,43,false,Rebalance,Shift +1% to bonds from equity,35,-30,BrokerD,MKT,90,None,None,Normal monitoring,3,-31,4,5,false,Tax-aware sells next window
P1852,Cautious,401k,USD,2025-07-14,646353,103052,543301,1.0,49.9,34.4,4.6,11.1,AAPL:33.3%;VNQ:33.3%;TLT:33.3%,US:69.6;EU:10.4;APAC:5.5;EM:10.9;Other:3.6,Value:-0.6;Growth:+0.7;Quality:-0.3;Size:-0.7;Momentum:-0.0;LowVol:-0.1,NoMargin,10,30,5.0,hard 10%,119,12.6,Sideways,17.7,4.64,2.5,116,33,55,35,false,Buy,Add to core equity +1%,31,-10,BrokerC,MKT,90,None,None,Normal monitoring,43,-30,6,5,false,Tighten stops on momentum names
P1853,Hands-off,401k,USD,2025-08-18,797745,79537,718208,1.0,61.1,25.3,8.1,5.5,QQQ:25.8%;MSFT:13.0%;AAPL:13.0%;BRK.B:25.8%;AMZN:22.5%,US:69.5;EU:7.1;APAC:12.5;EM:8.7;Other:2.1,Value:-0.5;Growth:+0.5;Quality:+0.4;Size:+0.3;Momentum:-0.6;LowVol:+0.9,ESGOnly;NoDerivatives,7,25,3.2,hard 10%,148,12.6,Bull,17.8,4.35,2.4,120,30,62,59,false,Buy,Add to core equity +1%,20,-1,BrokerD,VWAP,89,None,None,Normal monitoring,58,-24,30,5,false,Increase defensive factor exposure
P1854,Active,IRA,USD,2024-12-05,2177751,186436,1991315,1.0,53.6,22.1,15.8,8.6,TSLA:33.3%;MUB:33.3%;IEF:33.3%,US:66.3;EU:16.6;APAC:6.1;EM:7.4;Other:3.6,Value:-0.6;Growth:+0.1;Quality:-0.3;Size:+0.7;Momentum:-0.1;LowVol:-0.7,MaxPos8%,6,30,4.5,trailing 8%,179,22.1,Bear,33.3,3.96,1.1,183,-114,5,75,true,Rebalance,Rebalance back to target bands,27,7,BrokerD,MKT,90,Drift>tolerance,Hedge,Allocation drift beyond policy bands,35,6,4,4,false,Increase defensive factor exposure
P1855,Hands-off,Trust,USD,2025-03-30,164979,15167,149812,1.0,69.9,21.7,0.0,8.4,TSLA:24.7%;TLT:13.7%;VNQ:24.7%;VTI:24.7%;VOO:12.3%,US:68.8;EU:8.4;APAC:7.8;EM:10.6;Other:4.4,Value:-1.0;Growth:-0.5;Quality:+0.3;Size:+0.5;Momentum:-0.3;LowVol:+0.3,MaxPos5%,10,30,3.8,trailing 8%,135,12.1,Volatile,27.4,5.48,3.8,129,2,61,83,true,Rebalance,Rebalance back to target bands,11,-20,BrokerD,MKT,89,VAR>budget,Reduce,Risk above budget threshold,35,-35,147,2,false,Tighten stops on momentum names
P1856,Systematic,Roth,USD,2024-10-13,1502784,136982,1365802,1.0,55.7,30.0,6.4,7.8,TLT:28.3%;XLF:28.3%;AMZN:28.3%;MUB:15.0%,US:71.9;EU:6.1;APAC:11.7;EM:9.1;Other:1.1,Value:+0.5;Growth:-0.2;Quality:+1.0;Size:+0.7;Momentum:+0.5;LowVol:+0.4,NoDerivatives,6,25,4.4,trailing 9%,134,24.0,Bull,11.2,4.09,2.7,103,31,78,38,true,Hedge,Buy index puts 1% notional,34,-3,BrokerB,MKT,93,Drift>tolerance,Reduce,Allocation drift beyond policy bands,1,11,-38,5,false,Increase defensive factor exposure
P1857,Systematic,Taxable,USD,2025-12-23,1044559,70917,973642,1.0,57.5,25.4,10.5,6.6,IEF:33.3%;TSLA:33.3%;AMZN:33.3%,US:64.4;EU:8.4;APAC:11.9;EM:9.8;Other:5.4,Value:-0.3;Growth:-1.0;Quality:+0.7;Size:+0.2;Momentum:-0.4;LowVol:0.0,NoDerivatives,10,35,5.2,hard 12%,149,25.9,Bull,14.4,4.99,2.9,93,42,60,36,false,Buy,Add to core equity +1%,-10,5,BrokerB,MKT,96,None,None,Normal monitoring,-48,19,-44,4,false,Tax-aware sells next window
P1858,Systematic,Trust,USD,2024-11-10,683890,41177,642713,1.0,63.0,30.0,0.0,7.1,BND:35.2%;MUB:29.6%;GLD:35.2%,US:63.5;EU:15.3;APAC:9.2;EM:8.2;Other:3.8,Value:+0.2;Growth:-0.6;Quality:+0.6;Size:+0.5;Momentum:-0.8;LowVol:+0.3,MaxPos6%,6,35,6.0,hard 12%,193,21.7,Bull,15.9,4.78,2.1,77,65,84,58,false,Hedge,Add TLT +1% as duration hedge,15,-29,BrokerD,MKT,96,None,None,Normal monitoring,57,-12,94,3,false,Within IPS guidelines
P1859,Opportunistic,Taxable,USD,2024-09-12,675172,42731,632441,1.18,62.7,15.7,15.5,6.1,GLD:12.2%;BND:13.1%;TSLA:18.1%;TLT:13.3%;AMZN:21.6%;VNQ:21.6%,US:72.9;EU:6.4;APAC:12.5;EM:3.7;Other:4.5,Value:+0.2;Growth:-0.5;Quality:-0.8;Size:+0.9;Momentum:+0.8;LowVol:-0.8,MaxPos8%,7,25,4.9,trailing 7%,177,25.0,Bull,15.5,4.43,3.2,113,87,100,42,true,Rebalance,Rebalance back to target bands,28,-8,BrokerC,MKT,90,VAR>budget,Hedge,Risk above budget threshold,-28,-47,-58,3,false,Tax-aware sells next window
P1860,Hands-off,Roth,USD,2025-04-28,445988,42278,403710,1.0,68.4,15.9,10.2,5.5,VTI:33.3%;BRK.B:33.3%;GLD:33.3%,US:61.8;EU:13.3;APAC:8.2;EM:13.3;Other:3.5,Value:-0.8;Growth:+0.6;Quality:-0.7;Size:+0.2;Momentum:+0.8;LowVol:-0.7,MaxPos5%;NoDerivatives,8,30,4.3,trailing 10%,169,14.2,Bull,15.3,3.98,2.7,104,19,49,55,false,Hedge,Add TLT +1% as duration hedge,20,-25,BrokerD,LMT,98,None,None,Normal monitoring,-13,-27,-29,3,false,Tax-aware sells next window
P1861,Active,401k,USD,2025-03-01,530029,40829,489200,1.17,50.9,23.6,19.4,6.2,MUB:25.0%;BRK.B:25.0%;HYG:25.0%;MSFT:25.0%,US:67.8;EU:5.7;APAC:12.4;EM:9.3;Other:4.8,Value:-0.0;Growth:-0.9;Quality:-0.8;Size:+0.1;Momentum:+0.1;LowVol:-0.5,MaxPos8%,5,35,5.0,trailing 9%,228,22.9,Bull,16.0,4.38,3.0,77,84,87,48,false,Rebalance,Shift +1% to bonds from equity,-8,-21,BrokerC,MKT,98,None,None,Normal monitoring,-38,-14,-51,3,false,Tighten stops on momentum names
P1862,Hands-off,IRA,USD,2025-01-12,453805,21167,432638,1.0,59.2,28.2,3.0,9.6,BRK.B:22.9%;AMZN:19.4%;BND:19.3%;GLD:15.5%;HYG:22.9%,US:55.2;EU:18.0;APAC:14.0;EM:9.2;Other:3.6,Value:+0.7;Growth:+1.0;Quality:+0.8;Size:-0.2;Momentum:-0.8;LowVol:+0.9,MaxPos6%;NoDerivatives,7,35,4.9,trailing 10%,168,12.6,Bull,17.8,4.3,2.5,91,60,69,51,false,NoAction,Within bands; monitor,26,-9,BrokerA,LMT,95,None,None,Normal monitoring,75,5,95,5,false,Monitor dispersion and breadth
P1863,Active,IRA,USD,2025-05-04,1760438,142367,1618071,1.0,64.6,26.3,0.0,9.1,TLT:33.3%;VTI:33.3%;HYG:33.3%,US:66.6;EU:9.5;APAC:12.6;EM:4.8;Other:6.5,Value:-0.1;Growth:-0.9;Quality:-0.1;Size:-0.6;Momentum:-0.5;LowVol:+0.2,MaxPos7%,6,35,5.8,trailing 9%,176,18.8,Volatile,23.7,5.12,4.5,145,-58,10,70,true,Hedge,Buy index puts 1% notional,4,-20,BrokerB,VWAP,91,RegimeShift,Hedge,Volatility spike and breadth deterioration,71,4,85,5,true,Increase defensive factor exposure
P1864,Hands-off,IRA,USD,2025-04-27,771842,31979,739863,1.0,66.0,27.4,0.0,6.6,MSFT:12.2%;AMZN:20.9%;XLF:19.9%;VNQ:16.1%;HYG:19.5%;AAPL:11.4%,US:74.1;EU:6.0;APAC:8.4;EM:9.6;Other:2.0,Value:-0.3;Growth:-0.5;Quality:-0.4;Size:-0.2;Momentum:-1.0;LowVol:-0.9,MaxPos6%,7,25,3.8,hard 10%,159,17.0,Volatile,31.7,4.22,2.2,155,77,100,90,true,Hedge,Buy index puts 1% notional,22,-4,BrokerA,LMT,88,RegimeShift,Reduce,Volatility spike and breadth deterioration,75,-27,188,3,false,Tighten stops on momentum names
P1865,Opportunistic,IRA,USD,2024-08-17,1428237,66588,1361649,1.0,63.0,16.0,16.7,4.2,AMZN:33.3%;IEF:33.3%;HYG:33.3%,US:64.5;EU:10.6;APAC:15.7;EM:5.7;Other:3.5,Value:+0.5;Growth:-0.9;Quality:+0.5;Size:-0.7;Momentum:-0.2;LowVol:-0.6,,8,25,6.5,trailing 9%,201,21.7,Bear,24.9,3.77,1.4,206,20,48,66,false,Rebalance,Shift +1% to bonds from equity,23,-17,BrokerB,MKT,97,None,None,Normal monitoring,-6,-13,7,4,false,Within IPS guidelines
P1866,Hands-off,IRA,USD,2025-08-26,395268,37469,357799,1.0,56.8,24.0,12.1,7.1,AMZN:22.3%;BND:22.0%;TSLA:22.3%;BRK.B:14.4%;HYG:19.0%,US:64.5;EU:18.0;APAC:8.3;EM:6.8;Other:2.4,Value:-0.7;Growth:-0.8;Quality:-1.0;Size:+0.4;Momentum:-0.4;LowVol:+0.4,ESGOnly;MaxPos5%,6,30,4.2,trailing 8%,140,19.4,Volatile,20.4,3.53,2.4,149,55,66,53,false,Buy,Add to core equity +1%,22,6,BrokerB,MKT,95,None,None,Normal monitoring,31,-34,130,3,false,Tighten stops on momentum names
P1867,Cautious,401k,USD,2024-11-18,308428,24824,283604,1.0,44.0,40.0,0.0,16.0,BND:9.7%;MUB:20.3%;AMZN:13.5%;VOO:20.3%;IEF:16.0%;AAPL:20.3%,US:69.2;EU:11.0;APAC:9.9;EM:8.9;Other:0.9,Value:-0.4;Growth:-0.5;Quality:-0.4;Size:+0.9;Momentum:+0.9;LowVol:+0.8,NoDerivatives;NoMargin,5,25,4.8,trailing 8%,107,17.2,Bull,15.5,3.71,3.1,106,24,56,29,false,Buy,Add to core equity +1%,35,4,BrokerC,MKT,95,None,None,Normal monitoring,43,-50,75,4,false,Tighten stops on momentum names
P1868,Active,Roth,USD,2024-11-14,762811,62218,700593,1.0,54.1,29.5,9.5,6.9,BND:33.3%;HYG:33.3%;MUB:33.3%,US:70.8;EU:6.1;APAC:13.9;EM:6.5;Other:2.6,Value:-0.6;Growth:+0.6;Quality:-0.2;Size:+0.1;Momentum:0.0;LowVol:-0.4,MaxPos7%,7,25,4.6,trailing 9%,121,24.1,Bull,16.7,4.49,2.9,105,45,60,40,false,NoAction,Within bands; monitor,26,-6,BrokerA,MKT,0,None,None,Normal monitoring,27,-23,122,4,false,Monitor dispersion and breadth
P1869,Opportunistic,401k,USD,2024-11-15,927225,66598,860627,1.0,63.2,18.5,12.1,6.1,AMZN:19.9%;BND:26.7%;TLT:26.7%;XLF:26.7%,US:64.0;EU:13.2;APAC:15.0;EM:6.7;Other:1.1,Value:-0.4;Growth:-0.9;Quality:-0.7;Size:+0.2;Momentum:+0.4;LowVol:+0.9,MaxPos8%;NoDerivatives,10,25,6.6,trailing 7%,173,26.7,Volatile,27.8,4.07,3.2,131,39,70,72,true,Hedge,Buy index puts 1% notional,27,11,BrokerD,VWAP,99,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,117,14,186,4,false,Tax-aware sells next window
P1870,Active,Roth,USD,2024-07-14,1474096,132634,1341462,1.0,62.8,28.2,2.7,6.2,GLD:33.3%;TLT:33.3%;IEF:33.3%,US:65.4;EU:13.7;APAC:8.6;EM:8.4;Other:3.9,Value:-0.6;Growth:-0.9;Quality:-0.0;Size:+0.6;Momentum:-0.0;LowVol:+0.7,NoDerivatives,6,25,4.3,hard 12%,154,18.7,Bull,14.8,4.58,2.7,105,52,64,57,false,Buy,Add to core equity +1%,9,-31,BrokerB,MKT,97,None,None,Normal monitoring,-37,0,-65,5,false,Tighten stops on momentum names
P1871,Opportunistic,IRA,USD,2024-07-23,1298532,74174,1224358,1.0,69.3,21.7,4.0,5.0,AAPL:8.3%;MUB:17.1%;BRK.B:21.4%;MSFT:12.7%;AMZN:19.0%;GLD:21.4%,US:65.3;EU:12.0;APAC:7.3;EM:12.3;Other:3.1,Value:-0.9;Growth:-0.6;Quality:-0.2;Size:-0.0;Momentum:+0.8;LowVol:+0.4,MaxPos5%,8,30,6.9,hard 12%,170,24.0,Sideways,21.7,3.54,2.1,111,21,54,59,false,Rebalance,Shift +1% to bonds from equity,1,0,BrokerA,VWAP,87,None,None,Normal monitoring,-60,-55,-40,3,false,Tighten stops on momentum names
P1872,Active,Roth,USD,2025-05-30,626987,75123,551864,1.0,51.5,18.3,21.0,9.2,BND:17.8%;IEF:12.8%;BRK.B:10.0%;HYG:23.1%;GLD:23.1%;VTI:13.2%,US:74.1;EU:9.7;APAC:9.3;EM:4.0;Other:2.9,Value:-0.9;Growth:-0.5;Quality:+0.7;Size:-0.1;Momentum:+0.6;LowVol:+0.3,MaxPos6%,5,30,4.4,hard 12%,168,24.1,Sideways,16.2,4.07,2.0,132,48,76,48,false,Buy,Add to core equity +1%,-4,-8,BrokerB,MKT,95,None,None,Normal monitoring,-56,-41,4,3,false,Monitor dispersion and breadth
P1873,Systematic,401k,USD,2024-12-30,548509,36006,512503,1.0,65.7,27.7,0.0,6.6,AMZN:13.9%;VTI:22.2%;GLD:22.2%;BND:19.6%;MUB:22.2%,US:60.8;EU:20.7;APAC:10.0;EM:6.6;Other:1.8,Value:-0.2;Growth:+0.7;Quality:+0.4;Size:+0.4;Momentum:+0.9;LowVol:-0.7,,5,35,4.7,trailing 8%,203,24.8,Volatile,26.7,4.48,3.3,115,68,81,63,false,Buy,Add to core equity +1%,24,14,BrokerC,LMT,88,None,None,Normal monitoring,43,-27,115,5,false,Monitor dispersion and breadth
P1874,Cautious,401k,USD,2025-02-11,508271,58232,450039,1.0,50.2,34.5,1.8,13.5,HYG:33.3%;BRK.B:33.3%;MUB:33.3%,US:73.6;EU:11.5;APAC:8.1;EM:3.6;Other:3.2,Value:-0.3;Growth:+0.8;Quality:-0.3;Size:-0.1;Momentum:-0.1;LowVol:+0.4,ESGOnly;NoDerivatives;NoMargin,8,35,5.2,hard 10%,98,16.6,Volatile,29.4,5.49,2.8,110,34,52,75,true,Reduce,"Cut high-beta by 2-3%, add cash",35,-32,BrokerB,LMT,93,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-3,2,32,2,false,Within IPS guidelines
P1875,Opportunistic,Trust,USD,2025-07-13,323896,17257,306639,1.22,69.0,11.7,14.8,4.5,TSLA:33.3%;IEF:33.3%;MUB:33.3%,US:62.8;EU:14.5;APAC:14.0;EM:7.6;Other:1.0,Value:-0.1;Growth:0.0;Quality:+0.2;Size:-0.1;Momentum:+0.3;LowVol:-0.4,MaxPos6%,5,25,5.1,hard 12%,268,34.0,Volatile,20.3,3.81,2.0,147,50,77,56,true,Reduce,"Cut high-beta by 2-3%, add cash",7,-13,BrokerC,VWAP,97,Drift>tolerance,Hedge,Allocation drift beyond policy bands,86,-41,218,5,true,Tighten stops on momentum names
P1876,Active,401k,USD,2025-02-12,1209210,82240,1126970,1.0,58.8,30.5,5.4,5.2,HYG:12.8%;MSFT:21.4%;BRK.B:15.9%;BND:7.2%;MUB:21.4%;VNQ:21.4%,US:67.8;EU:15.6;APAC:7.3;EM:5.7;Other:3.6,Value:-0.1;Growth:-0.3;Quality:-0.8;Size:-0.7;Momentum:+0.6;LowVol:-0.4,,5,30,4.8,trailing 9%,181,16.3,Sideways,16.9,3.92,2.7,138,16,68,56,true,Rebalance,Rebalance back to target bands,19,-3,BrokerA,LMT,93,VAR>budget,Pause,Risk above budget threshold,76,-11,210,5,false,Within IPS guidelines
P1877,Cautious,Taxable,USD,2025-06-27,838980,100369,738611,1.0,51.4,34.3,2.0,12.3,XLF:25.3%;BRK.B:37.3%;AAPL:37.3%,US:72.9;EU:10.6;APAC:6.7;EM:5.9;Other:4.0,Value:+0.1;Growth:0.0;Quality:-1.0;Size:-0.1;Momentum:+0.2;LowVol:+0.2,MaxPos7%;NoDerivatives;NoMargin,8,25,4.2,hard 10%,97,15.0,Bull,14.9,4.66,2.4,117,104,88,38,false,Buy,Add to core equity +1%,-15,-22,BrokerB,LMT,95,None,None,Normal monitoring,-15,-9,115,5,false,Tax-aware sells next window
P1878,Hands-off,Trust,USD,2025-10-08,588522,32701,555821,1.0,74.2,16.3,0.1,9.5,XLF:12.3%;BND:17.4%;VOO:22.2%;MUB:9.6%;TLT:22.2%;GLD:16.3%,US:58.2;EU:12.9;APAC:14.0;EM:11.6;Other:3.3,Value:+0.7;Growth:-0.4;Quality:-1.0;Size:+0.8;Momentum:+1.0;LowVol:-0.6,ESGOnly,7,25,5.8,trailing 8%,143,16.6,Sideways,17.0,4.39,2.8,116,13,48,59,false,Buy,Add to core equity +1%,-5,-28,BrokerB,VWAP,99,None,None,Normal monitoring,66,9,149,5,false,Monitor dispersion and breadth
P1879,Active,Roth,USD,2025-07-27,2060696,240296,1820400,1.09,58.7,23.6,10.9,6.8,VTI:21.2%;VNQ:12.2%;TLT:17.6%;TSLA:24.5%;AAPL:24.5%,US:76.7;EU:6.8;APAC:8.3;EM:8.0;Other:0.1,Value:+0.9;Growth:+0.8;Quality:-0.2;Size:+0.2;Momentum:+0.9;LowVol:+0.5,,8,30,4.4,trailing 8%,198,26.8,Sideways,19.0,4.03,2.9,116,54,63,59,false,Hedge,Add TLT +1% as duration hedge,-1,11,BrokerB,LMT,95,None,None,Normal monitoring,71,-4,90,5,false,Monitor dispersion and breadth
P1880,Cautious,401k,USD,2025-03-11,462057,40028,422029,1.0,50.3,39.7,0.0,10.1,BND:18.9%;VNQ:14.2%;MUB:24.0%;VTI:18.9%;TLT:24.0%,US:60.5;EU:14.7;APAC:11.9;EM:10.2;Other:2.7,Value:-0.4;Growth:-0.7;Quality:-0.5;Size:-0.1;Momentum:-0.1;LowVol:-0.2,ESGOnly;NoDerivatives;NoMargin,5,25,3.7,trailing 10%,132,13.0,Volatile,26.9,3.87,4.1,138,-33,27,57,false,NoAction,Within bands; monitor,30,-11,BrokerA,MKT,0,None,None,Normal monitoring,14,3,47,3,false,Within IPS guidelines
P1881,Cautious,Taxable,USD,2025-08-03,822480,77972,744508,1.0,46.0,31.6,6.9,15.5,XLF:33.3%;MSFT:33.3%;AAPL:33.3%,US:65.4;EU:11.2;APAC:10.7;EM:10.7;Other:1.9,Value:+0.4;Growth:-0.1;Quality:-0.8;Size:+0.6;Momentum:-0.5;LowVol:+0.1,ESGOnly;MaxPos6%;NoDerivatives;NoMargin,8,25,5.2,trailing 8%,112,13.9,Volatile,22.8,5.15,4.2,118,-7,51,50,false,Buy,Add to core equity +1%,25,-15,BrokerB,MKT,96,None,None,Normal monitoring,-15,-2,91,5,false,Tighten stops on momentum names
P1882,Cautious,Taxable,USD,2025-11-29,405441,62218,343223,1.0,43.0,36.6,8.1,12.3,TSLA:30.3%;BRK.B:34.9%;AMZN:34.9%,US:58.8;EU:16.2;APAC:13.8;EM:9.2;Other:2.0,Value:+0.1;Growth:-0.7;Quality:-0.7;Size:-0.9;Momentum:0.0;LowVol:-0.3,ESGOnly;NoMargin,8,30,4.1,trailing 10%,124,15.6,Sideways,19.6,3.58,2.9,121,8,47,43,false,Rebalance,Shift +1% to bonds from equity,18,-26,BrokerA,LMT,93,None,None,Normal monitoring,-29,3,65,4,false,Monitor dispersion and breadth
P1883,Cautious,Roth,USD,2025-01-12,884805,82114,802691,1.0,39.3,38.3,6.6,15.8,TSLA:33.2%;AMZN:33.4%;AAPL:33.4%,US:65.8;EU:16.0;APAC:7.8;EM:9.2;Other:1.3,Value:+0.4;Growth:-0.5;Quality:+0.5;Size:-0.4;Momentum:+0.3;LowVol:+0.2,MaxPos5%;NoMargin,10,25,5.5,trailing 8%,114,16.0,Sideways,18.4,4.03,2.4,115,18,51,48,true,Reduce,"Cut high-beta by 2-3%, add cash",4,-27,BrokerB,MKT,97,VAR>budget,Hedge,Risk above budget threshold,96,-12,84,5,false,Monitor dispersion and breadth
P1884,Active,Trust,USD,2025-10-16,2119922,168824,1951098,1.0,60.3,30.7,0.0,9.0,VTI:25.5%;TSLA:23.4%;AAPL:25.5%;IEF:25.5%,US:67.5;EU:12.1;APAC:9.1;EM:9.1;Other:2.2,Value:+0.9;Growth:+0.1;Quality:+0.3;Size:-0.8;Momentum:-0.5;LowVol:-0.3,,10,35,5.6,hard 12%,202,22.9,Bull,12.1,4.88,3.1,79,1,39,46,false,Sell,Trim extended winner -1%,9,4,BrokerA,LMT,87,None,None,Normal monitoring,34,-45,101,4,false,Tax-aware sells next window
P1885,Opportunistic,Trust,USD,2025-05-19,1413171,89403,1323768,1.0,66.7,20.3,6.1,6.9,GLD:22.4%;TSLA:22.4%;VTI:22.4%;TLT:10.5%;MUB:22.4%,US:61.1;EU:15.9;APAC:12.4;EM:6.8;Other:3.8,Value:-0.8;Growth:-0.7;Quality:-0.3;Size:-1.0;Momentum:+0.8;LowVol:-0.2,NoDerivatives,5,25,6.9,trailing 7%,177,20.9,Bear,33.8,4.46,1.6,158,-21,52,86,true,Hedge,Buy index puts 1% notional,-14,-11,BrokerA,MKT,86,Drift>tolerance,Hedge,Allocation drift beyond policy bands,120,-58,155,2,false,Monitor dispersion and breadth
P1886,Active,Trust,USD,2024-10-29,2277981,233029,2044952,1.0,64.6,29.4,0.0,6.0,MSFT:25.0%;VTI:25.0%;AMZN:25.0%;VNQ:25.0%,US:70.6;EU:9.9;APAC:12.8;EM:4.7;Other:1.9,Value:-0.8;Growth:+0.1;Quality:+1.0;Size:-0.3;Momentum:+0.3;LowVol:-0.0,MaxPos5%,5,30,4.3,trailing 8%,161,16.3,Volatile,20.9,4.07,2.7,174,45,84,53,false,Sell,Trim extended winner -1%,7,-15,BrokerA,VWAP,95,None,None,Normal monitoring,-27,-31,9,5,false,Increase defensive factor exposure
P1887,Cautious,Roth,USD,2024-08-29,636700,61926,574774,1.0,49.3,36.4,1.5,12.8,BND:37.8%;IEF:37.8%;AMZN:24.5%,US:57.1;EU:16.5;APAC:15.4;EM:9.0;Other:2.1,Value:+0.4;Growth:+0.2;Quality:+0.1;Size:+1.0;Momentum:-0.4;LowVol:-0.9,NoDerivatives;NoMargin,5,25,4.7,hard 10%,146,16.1,Sideways,19.4,3.99,3.1,126,-11,43,42,false,Buy,Add to core equity +1%,-11,15,BrokerA,LMT,96,None,None,Normal monitoring,20,-47,78,3,false,Increase defensive factor exposure
P1888,Cautious,Taxable,USD,2025-10-09,519423,73234,446189,1.0,49.6,31.8,2.9,15.6,XLF:12.7%;IEF:9.1%;QQQ:23.3%;VOO:23.3%;TSLA:19.2%;MSFT:12.4%,US:60.4;EU:17.5;APAC:12.5;EM:4.9;Other:4.8,Value:+0.5;Growth:-0.7;Quality:-0.7;Size:-0.5;Momentum:-0.9;LowVol:+1.0,ESGOnly;NoMargin,10,35,4.0,hard 10%,159,15.3,Bull,15.7,4.76,3.2,70,71,79,46,true,Reduce,"Cut high-beta by 2-3%, add cash",-1,-39,BrokerD,MKT,95,VAR>budget,Hedge,Risk above budget threshold,101,-25,68,5,false,Tighten stops on momentum names
P1889,Systematic,Taxable,USD,2025-05-29,1591449,134844,1456605,1.0,61.1,26.5,2.7,9.6,VNQ:27.6%;QQQ:25.9%;VOO:18.9%;AMZN:27.6%,US:60.9;EU:12.1;APAC:13.8;EM:11.1;Other:2.0,Value:-0.6;Growth:+0.7;Quality:-0.4;Size:0.0;Momentum:+1.0;LowVol:+0.8,,5,30,4.3,trailing 9%,159,27.9,Bear,34.5,3.82,1.6,166,-26,23,77,true,Hedge,Buy index puts 1% notional,10,-26,BrokerB,MKT,87,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-36,-27,-69,5,false,Monitor dispersion and breadth
P1890,Cautious,Trust,USD,2025-04-21,238736,31472,207264,1.0,41.5,33.4,14.1,11.0,AAPL:20.8%;TSLA:29.4%;MSFT:20.4%;VTI:29.4%,US:63.9;EU:15.5;APAC:10.4;EM:6.2;Other:4.0,Value:-0.4;Growth:-0.0;Quality:-0.7;Size:+0.7;Momentum:+0.5;LowVol:-0.9,ESGOnly;NoDerivatives;NoMargin,6,30,3.1,trailing 8%,122,12.5,Volatile,23.1,5.15,4.5,135,29,49,52,false,Buy,Add to core equity +1%,23,-23,BrokerB,VWAP,95,None,None,Normal monitoring,-44,15,24,5,false,Increase defensive factor exposure
P1891,Hands-off,IRA,USD,2025-06-04,519695,36199,483496,1.0,68.8,18.7,3.1,9.4,AMZN:28.9%;VTI:28.9%;TSLA:13.9%;MSFT:28.3%,US:76.1;EU:11.4;APAC:6.5;EM:5.5;Other:0.4,Value:-0.5;Growth:+0.7;Quality:-0.4;Size:+0.9;Momentum:-0.2;LowVol:+0.6,ESGOnly,6,25,3.7,trailing 8%,113,19.2,Bull,17.1,3.82,3.3,71,46,61,64,false,NoAction,Within bands; monitor,-13,9,BrokerD,MKT,0,None,None,Normal monitoring,47,-36,177,5,false,Increase defensive factor exposure
P1892,Cautious,Taxable,USD,2024-09-11,732350,82865,649485,1.0,35.3,36.5,15.2,13.0,HYG:18.1%;IEF:17.5%;BND:13.4%;AAPL:19.4%;XLF:11.1%;VNQ:20.5%,US:67.8;EU:14.0;APAC:7.9;EM:6.3;Other:4.0,Value:0.0;Growth:-0.9;Quality:-0.8;Size:+0.1;Momentum:+0.9;LowVol:+0.3,ESGOnly;NoMargin,10,35,4.3,hard 10%,163,18.3,Volatile,21.9,4.26,3.6,121,-43,23,50,false,Hedge,Add TLT +1% as duration hedge,-9,-12,BrokerA,MKT,88,None,None,Normal monitoring,40,-5,88,5,false,Within IPS guidelines
P1893,Active,Roth,USD,2024-07-08,2256810,144837,2111973,1.0,65.1,21.1,4.8,9.0,XLF:35.3%;AMZN:35.3%;TSLA:29.5%,US:60.6;EU:11.2;APAC:14.9;EM:7.9;Other:5.5,Value:+0.7;Growth:+0.9;Quality:-0.0;Size:+0.5;Momentum:-0.2;LowVol:+0.9,,8,35,4.8,hard 12%,134,23.5,Bull,16.6,4.23,3.2,100,120,97,58,false,Buy,Add to core equity +1%,-9,-6,BrokerB,LMT,97,None,None,Normal monitoring,11,-8,-27,4,false,Increase defensive factor exposure
P1894,Cautious,IRA,USD,2024-10-29,894224,116128,778096,1.0,50.4,33.4,0.2,15.9,VNQ:23.3%;XLF:13.2%;VTI:21.3%;MSFT:23.3%;MUB:18.8%,US:63.4;EU:15.3;APAC:11.5;EM:6.1;Other:3.7,Value:-0.1;Growth:+0.2;Quality:-0.7;Size:-0.1;Momentum:+0.1;LowVol:-0.9,ESGOnly;NoMargin,5,30,4.9,trailing 8%,127,19.7,Volatile,22.0,4.59,3.3,147,-34,21,53,false,NoAction,Within bands; monitor,25,-35,BrokerB,VWAP,96,None,None,Normal monitoring,-23,-11,-14,5,false,Increase defensive factor exposure
P1895,Hands-off,Roth,USD,2024-09-17,557031,39732,517299,1.0,56.1,16.9,20.6,6.4,MUB:37.6%;MSFT:37.6%;TLT:24.8%,US:58.9;EU:16.4;APAC:13.0;EM:7.9;Other:3.8,Value:+0.1;Growth:-0.9;Quality:+0.6;Size:-0.9;Momentum:+0.5;LowVol:+0.8,ESGOnly,5,35,5.0,trailing 10%,121,14.9,Bull,14.7,4.46,2.3,74,77,85,39,false,Buy,Add to core equity +1%,-8,-29,BrokerA,LMT,96,None,None,Normal monitoring,-47,-43,-30,3,false,Increase defensive factor exposure
P1896,Opportunistic,Trust,USD,2025-09-11,784452,57642,726810,1.0,74.3,20.5,0.0,5.2,XLF:28.5%;MSFT:21.5%;BRK.B:21.4%;IEF:28.5%,US:58.0;EU:10.0;APAC:15.5;EM:12.2;Other:4.3,Value:-0.1;Growth:-0.8;Quality:-0.9;Size:-0.8;Momentum:+0.3;LowVol:+0.5,MaxPos6%,5,30,5.1,hard 12%,268,30.3,Bear,27.2,4.11,1.0,180,-70,6,72,true,Reduce,"Cut high-beta by 2-3%, add cash",6,-20,BrokerA,MKT,100,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,23,-9,153,2,false,Tighten stops on momentum names
P1897,Hands-off,Roth,USD,2025-02-18,307061,30149,276912,1.0,71.0,22.3,0.0,6.7,VOO:21.1%;VTI:18.7%;HYG:15.1%;BND:11.4%;VNQ:12.7%;AAPL:21.1%,US:59.4;EU:12.8;APAC:14.8;EM:11.8;Other:1.2,Value:+0.7;Growth:-0.1;Quality:-0.7;Size:-1.0;Momentum:-0.9;LowVol:+0.2,,7,30,3.8,hard 10%,122,19.5,Sideways,15.8,3.75,2.1,130,7,53,59,false,Sell,Trim extended winner -1%,4,3,BrokerB,MKT,85,None,None,Normal monitoring,-51,-5,-12,5,false,Tax-aware sells next window
P1898,Opportunistic,Roth,USD,2025-10-10,1653392,135880,1517512,1.0,62.1,11.5,21.2,5.1,AMZN:25.2%;BND:24.4%;TSLA:25.2%;TLT:25.2%,US:61.9;EU:13.2;APAC:14.3;EM:9.1;Other:1.4,Value:+0.9;Growth:-0.3;Quality:-0.9;Size:+0.5;Momentum:-0.2;LowVol:+0.6,MaxPos5%,5,35,6.5,trailing 9%,166,31.4,Bull,15.7,4.09,2.7,86,91,80,58,false,NoAction,Within bands; monitor,14,-14,BrokerD,MKT,0,None,None,Normal monitoring,120,-35,94,3,false,Within IPS guidelines
P1899,Cautious,Taxable,USD,2025-02-22,461771,57718,404053,1.0,38.9,39.9,8.1,13.0,VNQ:27.4%;BRK.B:15.3%;HYG:28.6%;BND:28.6%,US:65.0;EU:8.7;APAC:16.4;EM:5.3;Other:4.6,Value:+0.2;Growth:+0.8;Quality:+0.2;Size:+0.3;Momentum:+0.1;LowVol:+0.2,ESGOnly;NoDerivatives;NoMargin,7,30,5.6,trailing 10%,150,20.0,Volatile,28.8,4.57,3.0,124,50,80,57,false,NoAction,Within bands; monitor,-12,3,BrokerA,MKT,0,None,None,Normal monitoring,92,20,169,5,false,Tax-aware sells next window
P1900,Cautious,401k,USD,2025-09-26,409514,37920,371594,1.0,50.6,32.3,3.6,13.5,AAPL:15.8%;AMZN:26.7%;HYG:17.2%;IEF:26.7%;GLD:13.5%,US:62.8;EU:19.4;APAC:11.1;EM:4.4;Other:2.4,Value:+1.0;Growth:+0.6;Quality:-1.0;Size:-0.1;Momentum:+0.2;LowVol:+0.3,MaxPos5%;NoMargin,10,30,4.3,hard 10%,124,14.0,Bear,33.1,4.18,2.0,206,-115,5,79,true,Reduce,"Cut high-beta by 2-3%, add cash",17,-13,BrokerC,LMT,99,VAR>budget,Hedge,Risk above budget threshold,-54,10,55,5,false,Within IPS guidelines
P1901,Systematic,IRA,USD,2025-11-03,1901030,183154,1717876,1.0,66.6,24.0,3.8,5.7,GLD:21.6%;MUB:10.8%;TLT:21.6%;XLF:11.9%;MSFT:20.5%;BRK.B:13.5%,US:60.5;EU:21.4;APAC:6.2;EM:9.1;Other:2.8,Value:+0.5;Growth:+0.4;Quality:-0.8;Size:-0.1;Momentum:-0.1;LowVol:+0.1,,10,25,5.9,hard 12%,160,23.5,Volatile,31.6,3.56,3.4,113,-24,43,92,true,Hedge,Buy index puts 1% notional,12,12,BrokerC,VWAP,91,Drift>tolerance,Hedge,Allocation drift beyond policy bands,89,-2,78,5,false,Increase defensive factor exposure
P1902,Opportunistic,Taxable,USD,2024-10-19,763336,39811,723525,1.0,74.3,21.5,0.0,4.2,QQQ:20.9%;HYG:19.2%;AMZN:17.7%;XLF:12.7%;AAPL:8.5%;IEF:20.9%,US:72.6;EU:15.3;APAC:5.9;EM:3.8;Other:2.3,Value:+0.2;Growth:-0.7;Quality:+0.5;Size:-0.8;Momentum:+0.8;LowVol:+0.7,NoDerivatives,6,25,5.4,trailing 9%,267,34.9,Bull,16.5,4.5,3.1,73,107,98,64,true,Reduce,"Cut high-beta by 2-3%, add cash",-9,-27,BrokerA,MKT,90,RegimeShift,Pause,Volatility spike and breadth deterioration,-39,-53,4,3,false,Tax-aware sells next window
P1903,Systematic,Trust,USD,2025-08-23,950254,83790,866464,1.0,61.1,31.6,0.0,7.3,TSLA:20.4%;AAPL:20.4%;IEF:20.4%;BND:19.6%;VTI:8.2%;XLF:11.0%,US:66.8;EU:14.9;APAC:9.6;EM:5.4;Other:3.2,Value:-0.1;Growth:+0.2;Quality:+0.9;Size:+1.0;Momentum:+0.8;LowVol:-0.9,MaxPos5%,5,35,4.7,hard 12%,192,17.9,Bull,17.7,4.29,3.4,96,69,71,60,false,Buy,Add to core equity +1%,16,-26,BrokerA,MKT,90,None,None,Normal monitoring,-22,-40,8,3,false,Increase defensive factor exposure
P1904,Hands-off,Trust,USD,2025-09-21,834648,51358,783290,1.0,63.4,22.3,5.2,9.1,XLF:33.3%;VOO:33.3%;BND:33.3%,US:67.1;EU:14.3;APAC:6.6;EM:7.7;Other:4.3,Value:+0.6;Growth:-0.9;Quality:-0.2;Size:-0.3;Momentum:+0.7;LowVol:-0.7,NoDerivatives,5,30,4.7,hard 10%,149,18.6,Bear,31.4,3.32,2.7,165,0,54,78,true,Rebalance,Rebalance back to target bands,3,6,BrokerC,LMT,97,Drift>tolerance,Hedge,Allocation drift beyond policy bands,37,-2,156,3,false,Within IPS guidelines
P1905,Opportunistic,401k,USD,2024-08-20,383821,24920,358901,1.15,65.6,13.5,16.0,4.9,GLD:26.5%;TLT:20.4%;MSFT:26.5%;QQQ:26.5%,US:67.7;EU:9.4;APAC:10.2;EM:11.9;Other:0.8,Value:+0.9;Growth:+0.1;Quality:+0.1;Size:-1.0;Momentum:+0.1;LowVol:0.0,,5,35,6.7,trailing 7%,261,20.2,Bull,16.7,4.87,3.0,77,92,87,45,false,Rebalance,Shift +1% to bonds from equity,20,1,BrokerD,LMT,99,None,None,Normal monitoring,8,8,51,4,false,Monitor dispersion and breadth
P1906,Hands-off,IRA,USD,2025-06-06,192076,18864,173212,1.0,71.4,18.4,0.3,9.9,AMZN:32.7%;IEF:33.7%;VOO:33.7%,US:66.2;EU:9.6;APAC:12.7;EM:10.2;Other:1.3,Value:-0.4;Growth:-0.0;Quality:-0.1;Size:+0.4;Momentum:+0.7;LowVol:0.0,,7,30,4.5,trailing 8%,118,14.2,Bull,17.0,4.1,2.8,81,16,45,56,true,Hedge,Buy index puts 1% notional,32,-24,BrokerD,LMT,93,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-13,-24,-27,3,false,Monitor dispersion and breadth
P1907,Systematic,Roth,USD,2025-03-04,873558,71234,802324,1.0,64.1,28.0,0.0,8.0,TLT:33.3%;IEF:33.3%;QQQ:33.3%,US:62.1;EU:14.7;APAC:10.6;EM:12.1;Other:0.5,Value:-1.0;Growth:+0.6;Quality:+0.5;Size:-0.9;Momentum:+0.6;LowVol:-0.2,MaxPos5%,7,25,5.5,hard 12%,222,16.1,Volatile,26.5,4.61,2.8,139,-31,33,73,true,Reduce,"Cut high-beta by 2-3%, add cash",-5,-12,BrokerA,MKT,91,VAR>budget,Hedge,Risk above budget threshold,-30,0,52,4,false,Monitor dispersion and breadth
P1908,Systematic,Roth,USD,2024-10-28,1290385,104727,1185658,1.0,64.8,26.6,0.0,8.6,BRK.B:17.3%;GLD:11.9%;VNQ:22.8%;MSFT:8.7%;TLT:16.3%;XLF:22.8%,US:56.9;EU:18.1;APAC:12.0;EM:12.2;Other:0.8,Value:+0.1;Growth:+0.9;Quality:+0.8;Size:-0.8;Momentum:+0.5;LowVol:+0.5,MaxPos5%,10,30,4.7,trailing 8%,169,19.5,Volatile,22.7,5.14,3.8,141,65,96,59,false,Hedge,Add TLT +1% as duration hedge,-3,-5,BrokerC,LMT,86,None,None,Normal monitoring,30,8,51,5,false,Monitor dispersion and breadth
P1909,Opportunistic,Trust,USD,2024-11-01,1432938,93798,1339140,1.0,75.7,17.0,1.4,5.8,MUB:19.0%;IEF:21.7%;HYG:16.0%;TSLA:6.4%;XLF:21.7%;BRK.B:15.1%,US:58.5;EU:18.2;APAC:10.1;EM:10.4;Other:2.8,Value:-0.8;Growth:+0.6;Quality:-0.9;Size:+0.3;Momentum:-0.2;LowVol:-0.8,MaxPos7%,10,30,4.7,trailing 7%,267,25.9,Sideways,15.9,3.73,2.2,139,-4,48,62,false,Buy,Add to core equity +1%,0,4,BrokerA,LMT,90,None,None,Normal monitoring,82,-24,126,3,false,Increase defensive factor exposure
P1910,Hands-off,IRA,USD,2025-06-22,710150,51995,658155,1.0,70.5,24.5,0.0,4.9,MUB:20.2%;QQQ:30.4%;BND:18.9%;AMZN:30.4%,US:79.3;EU:7.5;APAC:7.5;EM:3.9;Other:1.8,Value:-0.6;Growth:-0.8;Quality:-0.2;Size:-0.4;Momentum:+0.5;LowVol:-0.9,MaxPos7%;NoDerivatives,7,35,6.0,hard 10%,111,14.1,Volatile,20.9,5.48,3.1,135,-24,35,59,false,Sell,Trim extended winner -1%,-15,-7,BrokerB,VWAP,93,None,None,Normal monitoring,105,-57,90,4,false,Tax-aware sells next window
P1911,Opportunistic,Trust,USD,2024-07-19,1585448,65337,1520111,1.0,70.0,17.3,6.2,6.5,AAPL:33.3%;HYG:33.3%;MSFT:33.3%,US:73.1;EU:8.9;APAC:10.6;EM:5.8;Other:1.6,Value:+0.7;Growth:+0.7;Quality:+0.2;Size:-0.5;Momentum:+0.9;LowVol:+0.7,MaxPos5%,6,25,4.1,trailing 7%,250,34.6,Bull,17.6,4.91,2.0,118,98,88,48,false,Rebalance,Shift +1% to bonds from equity,8,-17,BrokerD,LMT,93,None,None,Normal monitoring,105,-36,127,5,false,Increase defensive factor exposure
P1912,Cautious,401k,USD,2024-08-13,786911,94169,692742,1.0,49.9,39.8,0.0,10.3,IEF:22.9%;VOO:25.7%;BRK.B:25.7%;MSFT:25.7%,US:68.7;EU:7.2;APAC:11.5;EM:9.7;Other:2.8,Value:+0.9;Growth:+1.0;Quality:+0.4;Size:+0.2;Momentum:-0.2;LowVol:+0.9,ESGOnly;MaxPos8%;NoDerivatives;NoMargin,8,30,5.3,trailing 8%,159,12.9,Volatile,27.0,3.6,2.9,138,-51,26,63,true,Hedge,Buy index puts 1% notional,25,-17,BrokerC,MKT,87,Drift>tolerance,Reduce,Allocation drift beyond policy bands,78,-14,119,5,false,Tax-aware sells next window
P1913,Active,IRA,USD,2025-08-13,2151342,158141,1993201,1.16,55.6,26.7,9.0,8.7,TSLA:29.4%;BND:14.4%;MSFT:13.3%;AMZN:29.4%;MUB:13.5%,US:72.9;EU:10.0;APAC:13.3;EM:3.4;Other:0.5,Value:-0.7;Growth:-0.0;Quality:-0.8;Size:-0.7;Momentum:-0.4;LowVol:-0.3,,6,35,4.5,trailing 9%,191,16.3,Volatile,22.6,4.47,2.1,122,-22,50,67,false,Rebalance,Shift +1% to bonds from equity,1,-28,BrokerB,VWAP,92,None,None,Normal monitoring,18,16,-6,5,false,Increase defensive factor exposure
P1914,Hands-off,Roth,USD,2024-09-23,732895,39923,692972,1.0,60.3,22.6,9.5,7.5,XLF:34.6%;AAPL:34.6%;MUB:30.9%,US:54.2;EU:18.1;APAC:12.6;EM:10.7;Other:4.4,Value:-0.9;Growth:-0.5;Quality:-0.9;Size:+0.7;Momentum:+0.6;LowVol:-0.8,MaxPos6%,5,35,5.4,trailing 8%,112,17.2,Bull,15.0,4.83,3.4,112,51,73,49,true,Rebalance,Rebalance back to target bands,24,-26,BrokerD,MKT,88,RegimeShift,Pause,Volatility spike and breadth deterioration,55,-54,153,5,false,Tax-aware sells next window
P1915,Systematic,Taxable,USD,2025-02-02,1143954,76371,1067583,1.0,61.4,30.9,0.0,7.7,AAPL:33.3%;GLD:33.3%;MSFT:33.3%,US:60.8;EU:14.1;APAC:13.7;EM:9.5;Other:1.9,Value:+0.5;Growth:-0.9;Quality:-0.9;Size:+0.7;Momentum:-0.3;LowVol:-0.8,,7,25,4.6,trailing 8%,220,21.9,Volatile,23.8,3.55,2.2,153,18,71,54,false,Rebalance,Shift +1% to bonds from equity,12,-15,BrokerB,VWAP,94,None,None,Normal monitoring,38,-10,126,4,false,Monitor dispersion and breadth
P1916,Hands-off,Roth,USD,2025-01-17,490417,29985,460432,1.0,63.5,28.2,3.0,5.3,MUB:26.5%;GLD:36.8%;AMZN:36.8%,US:64.0;EU:19.6;APAC:8.1;EM:5.5;Other:2.7,Value:-0.6;Growth:-0.6;Quality:-0.8;Size:+0.4;Momentum:-0.6;LowVol:+0.2,ESGOnly,8,30,5.2,trailing 10%,92,13.8,Bull,17.9,3.6,3.0,99,17,49,56,false,Rebalance,Shift +1% to bonds from equity,-9,-37,BrokerC,MKT,98,None,None,Normal monitoring,41,17,167,5,false,Tighten stops on momentum names
P1917,Cautious,Trust,USD,2024-10-18,892672,117212,775460,1.0,37.3,34.8,17.9,10.0,IEF:33.3%;AAPL:33.3%;VTI:33.3%,US:69.2;EU:12.5;APAC:10.9;EM:5.5;Other:2.0,Value:-0.1;Growth:-0.9;Quality:-0.4;Size:-0.7;Momentum:+0.4;LowVol:-0.9,NoMargin,10,25,5.5,hard 10%,149,18.8,Bear,34.9,3.11,1.2,173,23,58,67,false,Rebalance,Shift +1% to bonds from equity,2,12,BrokerC,MKT,89,None,None,Normal monitoring,37,-7,122,4,false,Monitor dispersion and breadth
P1918,Hands-off,Roth,USD,2024-07-28,860453,59750,800703,1.0,71.6,19.9,0.0,8.5,AMZN:27.6%;QQQ:27.6%;MUB:27.6%;VTI:17.3%,US:58.9;EU:18.4;APAC:14.2;EM:4.4;Other:4.0,Value:-0.1;Growth:+0.8;Quality:+0.4;Size:+0.7;Momentum:-1.0;LowVol:-0.7,MaxPos8%,10,35,3.8,trailing 8%,147,15.2,Bull,17.7,4.75,2.7,96,116,96,50,true,Reduce,"Cut high-beta by 2-3%, add cash",19,-1,BrokerA,MKT,99,Drift>tolerance,Hedge,Allocation drift beyond policy bands,17,-24,75,3,false,Monitor dispersion and breadth
P1919,Active,IRA,USD,2025-01-14,1599398,126764,1472634,1.08,64.9,26.0,0.0,9.1,HYG:33.3%;AAPL:33.3%;BND:33.3%,US:61.2;EU:19.1;APAC:6.7;EM:11.4;Other:1.6,Value:+0.9;Growth:+0.8;Quality:-0.1;Size:+0.6;Momentum:0.0;LowVol:-0.1,,5,30,4.1,trailing 8%,190,26.9,Sideways,21.6,4.15,2.7,92,36,53,64,false,Sell,Trim extended winner -1%,12,-27,BrokerA,LMT,87,None,None,Normal monitoring,-55,-35,16,3,false,Within IPS guidelines
P1920,Systematic,Trust,USD,2025-04-19,877041,76890,800151,1.0,65.6,21.2,8.2,5.0,IEF:33.3%;VOO:33.3%;HYG:33.3%,US:70.0;EU:12.2;APAC:11.7;EM:2.9;Other:3.2,Value:-0.8;Growth:-0.1;Quality:-0.4;Size:+0.1;Momentum:+0.3;LowVol:-0.2,,8,30,4.3,trailing 8%,215,22.1,Bull,14.1,4.7,2.6,104,48,63,46,false,Buy,Add to core equity +1%,15,-30,BrokerB,MKT,93,None,None,Normal monitoring,-60,-52,62,4,false,Monitor dispersion and breadth
P1921,Hands-off,IRA,USD,2025-02-14,775116,60144,714972,1.0,64.5,21.7,7.5,6.2,AAPL:18.9%;AMZN:27.0%;XLF:27.0%;VOO:27.0%,US:62.9;EU:12.6;APAC:11.6;EM:9.4;Other:3.5,Value:-0.3;Growth:+0.5;Quality:+0.8;Size:+0.3;Momentum:+0.4;LowVol:-0.9,ESGOnly;MaxPos7%,5,35,5.6,hard 10%,94,19.7,Sideways,17.8,4.57,2.0,127,37,53,45,false,Hedge,Add TLT +1% as duration hedge,9,-20,BrokerA,MKT,89,None,None,Normal monitoring,-4,-36,54,5,false,Within IPS guidelines
P1922,Hands-off,Roth,USD,2025-03-10,818744,69499,749245,1.0,67.6,15.0,7.4,9.9,IEF:33.3%;HYG:33.3%;BND:33.3%,US:75.3;EU:7.3;APAC:6.1;EM:8.5;Other:2.9,Value:+0.4;Growth:+0.1;Quality:+0.7;Size:+0.8;Momentum:-0.3;LowVol:-0.6,MaxPos5%,8,35,5.2,trailing 10%,131,18.4,Bear,24.3,3.51,2.5,172,-95,5,59,false,NoAction,Within bands; monitor,31,-1,BrokerA,LMT,89,None,None,Normal monitoring,-42,19,-5,4,false,Within IPS guidelines
P1923,Systematic,IRA,USD,2025-10-11,1682179,73940,1608239,1.0,59.0,29.7,2.4,8.9,IEF:11.9%;GLD:21.8%;MUB:14.6%;AAPL:14.2%;BND:21.8%;VOO:15.6%,US:71.5;EU:6.9;APAC:5.9;EM:11.4;Other:4.3,Value:+0.4;Growth:-0.4;Quality:+0.4;Size:+0.2;Momentum:+1.0;LowVol:+0.5,,6,25,5.7,hard 12%,227,27.7,Sideways,15.2,4.16,2.1,137,-17,56,39,false,Rebalance,Shift +1% to bonds from equity,19,3,BrokerB,MKT,98,None,None,Normal monitoring,59,-57,44,5,false,Within IPS guidelines
P1924,Opportunistic,Trust,USD,2024-11-23,1362519,107657,1254862,1.0,65.9,22.0,8.0,4.1,VOO:33.3%;TLT:33.3%;AMZN:33.3%,US:70.5;EU:13.9;APAC:6.5;EM:6.2;Other:2.9,Value:+0.8;Growth:+1.0;Quality:+0.9;Size:-0.1;Momentum:+0.4;LowVol:+0.1,,7,35,4.6,hard 12%,187,32.0,Volatile,28.0,4.05,3.1,122,58,68,72,true,Hedge,Buy index puts 1% notional,-5,12,BrokerC,MKT,98,Drift>tolerance,Hedge,Allocation drift beyond policy bands,19,16,108,2,false,Increase defensive factor exposure
P1925,Active,Roth,USD,2025-10-08,1976319,202211,1774108,1.0,64.1,27.7,0.0,8.2,QQQ:33.3%;MSFT:33.3%;TLT:33.3%,US:70.7;EU:9.2;APAC:13.0;EM:7.0;Other:0.1,Value:-0.2;Growth:+0.3;Quality:-0.3;Size:+0.2;Momentum:+0.7;LowVol:-0.7,,6,35,6.0,trailing 9%,166,19.9,Sideways,14.0,3.83,3.1,127,55,62,38,false,Rebalance,Shift +1% to bonds from equity,26,-25,BrokerC,MKT,95,None,None,Normal monitoring,3,-50,47,4,false,Within IPS guidelines
P1926,Active,401k,USD,2024-11-22,1489311,123537,1365774,1.0,62.3,23.3,9.3,5.0,MUB:24.4%;MSFT:15.4%;TLT:20.9%;TSLA:24.4%;HYG:14.9%,US:59.0;EU:20.6;APAC:9.1;EM:6.9;Other:4.4,Value:+0.9;Growth:-0.8;Quality:+0.7;Size:0.0;Momentum:+0.6;LowVol:-0.2,,7,35,4.5,trailing 8%,124,19.1,Bull,14.8,3.67,2.4,102,38,73,42,false,NoAction,Within bands; monitor,-8,-20,BrokerA,MKT,0,None,None,Normal monitoring,56,-21,147,4,false,Monitor dispersion and breadth
P1927,Active,401k,USD,2024-12-22,2487697,258939,2228758,1.21,57.9,25.2,7.9,9.0,VTI:20.8%;BND:13.9%;XLF:20.8%;AMZN:8.9%;MSFT:14.9%;QQQ:20.8%,US:65.9;EU:17.1;APAC:8.5;EM:8.5;Other:0.1,Value:-0.0;Growth:+0.4;Quality:-0.6;Size:+0.4;Momentum:+0.2;LowVol:-0.1,MaxPos6%;NoDerivatives,6,30,4.7,trailing 8%,194,27.9,Volatile,21.9,5.14,3.9,142,52,75,52,false,Buy,Add to core equity +1%,30,-12,BrokerB,LMT,92,None,None,Normal monitoring,92,-11,212,4,false,Monitor dispersion and breadth
P1928,Cautious,IRA,USD,2025-09-25,809456,114935,694521,1.0,49.4,35.2,0.0,15.4,GLD:28.1%;VTI:28.1%;VNQ:28.1%;QQQ:15.8%,US:63.3;EU:15.6;APAC:11.7;EM:7.5;Other:1.9,Value:-0.0;Growth:-0.1;Quality:-0.3;Size:-0.1;Momentum:+0.9;LowVol:+0.7,ESGOnly;NoMargin,8,30,3.5,trailing 8%,156,16.9,Volatile,29.3,5.07,3.4,112,-23,29,61,true,Rebalance,Rebalance back to target bands,31,-6,BrokerB,MKT,87,VAR>budget,Reduce,Risk above budget threshold,-33,3,-70,2,false,Increase defensive factor exposure
P1929,Systematic,Taxable,USD,2025-07-28,1416278,83099,1333179,1.0,56.6,30.0,6.3,7.1,QQQ:16.4%;VTI:8.7%;TSLA:9.6%;MSFT:21.7%;MUB:21.7%;XLF:21.7%,US:71.8;EU:6.8;APAC:6.5;EM:9.5;Other:5.5,Value:-0.3;Growth:+0.2;Quality:-0.6;Size:-0.3;Momentum:+0.3;LowVol:-0.8,NoDerivatives,5,25,4.2,hard 12%,229,17.9,Bear,25.9,3.06,3.0,213,-94,5,72,true,Hedge,Buy index puts 1% notional,0,-25,BrokerB,LMT,100,VAR>budget,Reduce,Risk above budget threshold,-2,16,79,2,false,Monitor dispersion and breadth
P1930,Hands-off,401k,USD,2025-10-18,526782,34064,492718,1.0,66.9,22.4,5.0,5.6,MSFT:22.1%;QQQ:22.1%;BND:14.4%;AMZN:19.2%;AAPL:22.1%,US:66.6;EU:11.9;APAC:11.9;EM:7.9;Other:1.7,Value:+0.4;Growth:+0.6;Quality:-0.3;Size:-0.9;Momentum:+0.2;LowVol:+0.5,ESGOnly,10,30,5.0,trailing 10%,160,16.7,Sideways,16.7,3.83,2.0,111,-23,31,45,false,NoAction,Within bands; monitor,-4,-17,BrokerC,LMT,87,None,None,Normal monitoring,101,1,187,5,false,Tighten stops on momentum names
P1931,Opportunistic,IRA,USD,2025-08-17,490332,39536,450796,1.0,71.3,12.7,7.2,8.9,AAPL:33.3%;IEF:33.3%;GLD:33.3%,US:69.9;EU:13.7;APAC:9.9;EM:6.1;Other:0.4,Value:+0.8;Growth:+0.9;Quality:-0.0;Size:+0.3;Momentum:-0.4;LowVol:+0.1,MaxPos5%,8,25,6.4,trailing 7%,214,31.5,Bull,11.8,4.98,2.6,86,16,62,53,false,Buy,Add to core equity +1%,14,-31,BrokerB,MKT,87,None,None,Normal monitoring,42,-51,71,5,false,Increase defensive factor exposure
P1932,Systematic,401k,USD,2025-09-29,492820,23174,469646,1.0,55.1,23.8,15.7,5.4,HYG:33.3%;TLT:33.3%;VTI:33.3%,US:73.0;EU:10.5;APAC:9.3;EM:4.5;Other:2.7,Value:-0.4;Growth:-0.1;Quality:+0.9;Size:+0.7;Momentum:+0.4;LowVol:+0.5,MaxPos7%,5,25,4.4,hard 12%,214,25.6,Volatile,25.1,4.56,3.1,171,-9,34,69,false,Rebalance,Shift +1% to bonds from equity,-11,-29,BrokerC,LMT,90,None,None,Normal monitoring,62,-13,72,5,false,Monitor dispersion and breadth
P1933,Cautious,Taxable,USD,2025-01-13,219453,27465,191988,1.0,38.6,42.8,2.7,15.9,VTI:20.2%;AAPL:11.1%;VNQ:18.6%;BND:21.5%;GLD:7.2%;VOO:21.5%,US:65.1;EU:17.4;APAC:10.1;EM:3.7;Other:3.7,Value:-0.6;Growth:-0.8;Quality:+0.3;Size:+0.8;Momentum:-0.3;LowVol:-0.2,MaxPos6%;NoMargin,7,35,6.0,hard 10%,144,14.3,Bear,33.6,4.3,3.0,161,-71,7,69,true,Reduce,"Cut high-beta by 2-3%, add cash",7,5,BrokerA,VWAP,92,RegimeShift,Reduce,Volatility spike and breadth deterioration,-57,-50,-80,3,false,Within IPS guidelines
P1934,Opportunistic,Trust,USD,2024-08-08,563788,34850,528938,1.0,73.6,12.1,10.2,4.1,XLF:28.7%;BND:28.7%;GLD:14.0%;TSLA:28.7%,US:64.1;EU:9.9;APAC:11.7;EM:8.9;Other:5.5,Value:-0.9;Growth:+0.1;Quality:+1.0;Size:-0.6;Momentum:-0.2;LowVol:+0.8,MaxPos6%,6,35,4.8,trailing 7%,219,25.5,Bear,25.0,4.14,2.7,195,-117,5,66,false,Rebalance,Shift +1% to bonds from equity,8,2,BrokerC,LMT,95,None,None,Normal monitoring,-8,6,-43,4,false,Tighten stops on momentum names
P1935,Hands-off,Roth,USD,2025-03-19,187581,9351,178230,1.0,57.9,27.7,8.6,5.9,AMZN:21.0%;TLT:19.9%;VTI:9.0%;AAPL:18.1%;GLD:11.1%;BND:21.0%,US:67.3;EU:8.5;APAC:6.0;EM:13.2;Other:5.0,Value:+0.4;Growth:-0.2;Quality:-0.3;Size:-0.5;Momentum:+0.2;LowVol:+0.8,,10,25,3.4,hard 10%,143,12.9,Volatile,28.6,4.97,3.7,164,-20,26,75,true,Hedge,Buy index puts 1% notional,7,-34,BrokerC,LMT,87,RegimeShift,Pause,Volatility spike and breadth deterioration,-32,-4,-48,3,false,Tax-aware sells next window
P1936,Hands-off,Taxable,USD,2025-04-16,786356,68419,717937,1.0,56.5,27.4,10.5,5.5,TLT:22.7%;HYG:22.7%;BRK.B:18.5%;BND:22.5%;VOO:13.6%,US:66.1;EU:12.2;APAC:11.4;EM:8.1;Other:2.1,Value:-0.7;Growth:-0.5;Quality:+0.3;Size:+0.9;Momentum:+0.3;LowVol:-0.7,,8,30,4.0,trailing 8%,143,13.2,Bear,34.1,4.45,1.3,174,-63,19,90,true,Hedge,Buy index puts 1% notional,12,-13,BrokerB,LMT,97,Drift>tolerance,Hedge,Allocation drift beyond policy bands,30,-26,117,3,false,Increase defensive factor exposure
P1937,Hands-off,Roth,USD,2025-02-17,212675,11345,201330,1.0,60.8,25.0,9.1,5.0,XLF:15.0%;QQQ:14.3%;IEF:18.0%;AAPL:10.5%;AMZN:21.1%;MUB:21.1%,US:67.4;EU:14.9;APAC:8.1;EM:5.4;Other:4.2,Value:-0.2;Growth:-0.6;Quality:-0.8;Size:-0.6;Momentum:+0.3;LowVol:+0.9,MaxPos7%;NoDerivatives,10,25,3.3,hard 10%,109,14.9,Volatile,20.4,4.17,2.0,156,-10,46,60,false,Rebalance,Shift +1% to bonds from equity,27,-21,BrokerB,LMT,89,None,None,Normal monitoring,73,6,207,4,false,Increase defensive factor exposure
P1938,Active,Trust,USD,2025-10-13,661576,46436,615140,1.0,52.7,23.4,17.3,6.6,VTI:33.3%;QQQ:33.3%;AMZN:33.3%,US:65.7;EU:5.7;APAC:12.7;EM:11.9;Other:3.9,Value:+0.2;Growth:-0.6;Quality:-0.9;Size:+0.6;Momentum:+0.7;LowVol:-0.9,MaxPos5%,7,30,4.6,trailing 9%,230,18.6,Volatile,26.2,3.57,4.4,161,-24,32,60,false,NoAction,Within bands; monitor,18,6,BrokerA,VWAP,86,None,None,Normal monitoring,-52,2,-77,4,false,Monitor dispersion and breadth
P1939,Cautious,401k,USD,2025-02-18,411650,46600,365050,1.0,35.5,31.5,22.9,10.1,VOO:25.0%;MSFT:25.0%;MUB:25.0%;AAPL:25.0%,US:59.0;EU:13.5;APAC:15.5;EM:9.5;Other:2.5,Value:-1.0;Growth:-0.5;Quality:+0.9;Size:+1.0;Momentum:+0.1;LowVol:+0.4,ESGOnly;NoMargin,10,35,5.7,trailing 8%,158,12.1,Volatile,28.6,4.81,3.4,163,18,52,59,false,Hedge,Add TLT +1% as duration hedge,11,6,BrokerA,MKT,91,None,None,Normal monitoring,-55,11,53,4,false,Monitor dispersion and breadth
P1940,Hands-off,401k,USD,2025-07-11,154149,13871,140278,1.0,63.0,23.5,7.0,6.5,QQQ:27.6%;AAPL:27.6%;MUB:27.6%;BRK.B:17.2%,US:57.2;EU:16.0;APAC:14.5;EM:9.3;Other:3.0,Value:+0.7;Growth:-0.6;Quality:+0.8;Size:-0.1;Momentum:-0.0;LowVol:-0.6,ESGOnly,8,35,5.2,hard 10%,100,18.4,Bear,22.9,4.45,1.7,199,13,60,70,false,Sell,Trim extended winner -1%,-12,-32,BrokerD,LMT,85,None,None,Normal monitoring,82,-1,128,3,false,Tax-aware sells next window
P1941,Active,401k,USD,2025-08-30,850156,95905,754251,1.24,60.2,30.3,0.0,9.5,AMZN:20.2%;TLT:12.0%;MSFT:8.8%;VNQ:20.2%;GLD:18.5%;HYG:20.2%,US:62.9;EU:12.0;APAC:11.3;EM:11.1;Other:2.7,Value:0.0;Growth:+0.3;Quality:-0.5;Size:+0.6;Momentum:-0.7;LowVol:+0.3,NoDerivatives,5,30,5.6,trailing 8%,184,24.2,Sideways,18.7,4.63,2.3,130,52,90,55,false,Sell,Trim extended winner -1%,-9,-36,BrokerA,MKT,90,None,None,Normal monitoring,-41,-13,-15,3,false,Within IPS guidelines
P1942,Active,401k,USD,2025-08-27,2233217,262587,1970630,1.0,58.4,25.5,8.6,7.5,TSLA:33.3%;TLT:33.3%;VOO:33.3%,US:67.8;EU:11.3;APAC:12.7;EM:4.7;Other:3.4,Value:-0.2;Growth:+0.5;Quality:-0.7;Size:-0.1;Momentum:+0.3;LowVol:-0.8,,10,35,5.1,trailing 8%,195,18.5,Volatile,29.5,4.42,2.8,133,25,50,71,true,Reduce,"Cut high-beta by 2-3%, add cash",3,-7,BrokerC,LMT,100,VAR>budget,TightenStops,Risk above budget threshold,82,-53,66,3,false,Tax-aware sells next window
P1943,Systematic,Trust,USD,2024-11-01,948598,71209,877389,1.0,65.0,26.8,0.0,8.1,MUB:33.3%;GLD:33.3%;AAPL:33.3%,US:57.5;EU:19.1;APAC:10.8;EM:10.6;Other:2.0,Value:-0.4;Growth:-0.6;Quality:-0.4;Size:-0.4;Momentum:+1.0;LowVol:-0.2,MaxPos5%;NoDerivatives,5,25,5.3,trailing 9%,151,16.8,Sideways,20.8,4.23,3.3,137,-12,31,51,false,Rebalance,Shift +1% to bonds from equity,12,-35,BrokerD,LMT,86,None,None,Normal monitoring,-23,-38,-14,4,false,Increase defensive factor exposure
P1944,Cautious,Roth,USD,2025-09-19,743589,108132,635457,1.0,50.5,38.9,0.0,10.7,MUB:9.8%;QQQ:20.4%;IEF:17.5%;TSLA:19.1%;GLD:20.4%;VTI:12.8%,US:66.8;EU:13.6;APAC:11.2;EM:4.4;Other:4.0,Value:-1.0;Growth:+0.6;Quality:-0.7;Size:-0.9;Momentum:-0.7;LowVol:+0.5,ESGOnly;NoMargin,7,30,4.5,trailing 8%,139,18.6,Bear,23.0,3.38,1.3,183,-64,8,46,false,Rebalance,Shift +1% to bonds from equity,35,11,BrokerD,LMT,97,None,None,Normal monitoring,64,-3,117,3,false,Tax-aware sells next window
P1945,Cautious,401k,USD,2025-09-12,346367,40329,306038,1.0,38.9,43.9,6.5,10.6,AMZN:21.9%;GLD:21.9%;MUB:21.9%;BRK.B:12.3%;QQQ:21.9%,US:59.3;EU:17.9;APAC:14.9;EM:6.2;Other:1.7,Value:+0.9;Growth:+0.7;Quality:-0.5;Size:+0.4;Momentum:-0.7;LowVol:-0.5,ESGOnly;NoMargin,8,30,3.3,trailing 8%,125,18.1,Bull,17.3,4.17,3.0,89,14,59,38,false,Buy,Add to core equity +1%,9,-28,BrokerA,LMT,92,None,None,Normal monitoring,31,-31,84,5,false,Increase defensive factor exposure
P1946,Opportunistic,Trust,USD,2024-08-28,351228,22340,328888,1.08,74.1,14.7,3.8,7.3,TSLA:27.3%;VOO:27.3%;GLD:27.3%;HYG:18.0%,US:68.1;EU:9.6;APAC:12.9;EM:7.4;Other:2.0,Value:-0.3;Growth:-0.5;Quality:+0.1;Size:-0.3;Momentum:+0.6;LowVol:-0.9,MaxPos6%;NoDerivatives,7,35,6.0,trailing 7%,271,29.1,Bull,16.7,4.32,3.0,108,66,94,58,false,Hedge,Add TLT +1% as duration hedge,1,14,BrokerD,LMT,87,None,None,Normal monitoring,-13,-13,104,4,false,Increase defensive factor exposure
P1947,Systematic,Roth,USD,2024-10-11,520271,50761,469510,1.0,60.2,21.7,12.9,5.3,AAPL:22.1%;QQQ:22.1%;IEF:22.1%;BND:9.2%;TLT:12.2%;VNQ:12.3%,US:61.2;EU:9.9;APAC:16.0;EM:8.4;Other:4.5,Value:-1.0;Growth:+0.8;Quality:+0.4;Size:-0.4;Momentum:-0.1;LowVol:+0.7,MaxPos8%,10,30,4.4,trailing 8%,209,20.4,Sideways,16.3,3.58,2.7,130,-2,38,58,false,Hedge,Add TLT +1% as duration hedge,23,-24,BrokerA,LMT,96,None,None,Normal monitoring,13,-14,-22,5,false,Tighten stops on momentum names
P1948,Active,Trust,USD,2025-05-09,1153355,95933,1057422,1.0,57.6,26.0,10.6,5.9,BND:33.3%;AAPL:33.4%;MUB:33.4%,US:65.0;EU:17.1;APAC:6.0;EM:6.3;Other:5.6,Value:-0.7;Growth:-0.7;Quality:-0.8;Size:-0.5;Momentum:-0.7;LowVol:+0.4,NoDerivatives,7,25,4.6,trailing 9%,125,20.6,Bull,15.9,3.63,2.6,87,86,81,46,false,Rebalance,Shift +1% to bonds from equity,12,-16,BrokerD,LMT,85,None,None,Normal monitoring,63,-43,88,3,false,Monitor dispersion and breadth
P1949,Hands-off,Roth,USD,2025-06-18,593717,38753,554964,1.0,63.8,28.3,2.7,5.2,AAPL:19.6%;XLF:12.9%;VTI:12.5%;HYG:15.1%;VOO:19.5%;BND:20.3%,US:63.9;EU:17.1;APAC:5.6;EM:9.4;Other:3.9,Value:+0.4;Growth:+0.4;Quality:-0.7;Size:+0.1;Momentum:+0.9;LowVol:+0.9,ESGOnly,8,35,3.8,trailing 10%,169,16.1,Bull,15.6,4.04,3.0,86,69,99,39,false,Hedge,Add TLT +1% as duration hedge,17,12,BrokerC,LMT,87,None,None,Normal monitoring,100,-47,155,5,false,Monitor dispersion and breadth
P1950,Hands-off,Trust,USD,2024-12-16,796786,59275,737511,1.0,70.9,16.2,6.2,6.6,VOO:22.5%;GLD:12.8%;TLT:19.9%;BRK.B:22.5%;MSFT:22.5%,US:72.6;EU:7.7;APAC:8.5;EM:8.1;Other:3.1,Value:+0.7;Growth:-0.6;Quality:+0.1;Size:-0.6;Momentum:-0.6;LowVol:-0.9,,7,25,4.4,trailing 8%,117,13.1,Volatile,21.1,3.79,4.3,129,21,51,60,false,NoAction,Within bands; monitor,1,-8,BrokerA,LMT,85,None,None,Normal monitoring,2,-32,-26,4,false,Within IPS guidelines
P1951,Active,Trust,USD,2025-02-10,1189560,141602,1047958,1.15,64.2,27.8,0.0,8.0,IEF:35.1%;VTI:35.1%;TLT:29.8%,US:62.1;EU:15.8;APAC:13.9;EM:7.5;Other:0.8,Value:0.0;Growth:+0.5;Quality:+0.7;Size:+0.6;Momentum:+0.6;LowVol:+0.2,NoDerivatives,10,25,5.5,trailing 9%,196,27.7,Bull,12.4,4.75,3.0,118,34,56,38,false,Rebalance,Shift +1% to bonds from equity,-1,-22,BrokerC,MKT,89,None,None,Normal monitoring,-40,-36,-34,3,false,Within IPS guidelines
P1952,Cautious,Roth,USD,2025-07-16,676169,98922,577247,1.0,43.2,39.2,0.0,17.6,IEF:22.3%;BRK.B:25.9%;VNQ:25.9%;MUB:25.9%,US:60.3;EU:13.0;APAC:12.8;EM:10.2;Other:3.7,Value:+0.9;Growth:+0.6;Quality:+0.1;Size:-0.2;Momentum:+0.7;LowVol:-0.6,ESGOnly;NoMargin,8,25,4.3,trailing 10%,106,17.8,Bull,17.5,3.53,3.0,87,0,49,31,false,Rebalance,Shift +1% to bonds from equity,19,1,BrokerA,MKT,100,None,None,Normal monitoring,90,-10,167,4,false,Tax-aware sells next window
P1953,Cautious,Taxable,USD,2025-10-17,428455,51716,376739,1.0,44.7,33.1,7.6,14.6,GLD:21.8%;VNQ:15.2%;HYG:22.1%;BRK.B:21.6%;TSLA:19.2%,US:62.4;EU:15.2;APAC:11.6;EM:7.0;Other:3.8,Value:+0.4;Growth:-0.8;Quality:-0.1;Size:+0.2;Momentum:-0.5;LowVol:-0.4,MaxPos5%;NoDerivatives;NoMargin,8,25,6.0,trailing 8%,121,18.3,Bull,16.1,4.57,3.0,116,110,98,47,false,Sell,Trim extended winner -1%,4,-21,BrokerC,VWAP,95,None,None,Normal monitoring,106,8,94,3,false,Within IPS guidelines
P1954,Cautious,IRA,USD,2025-12-07,179062,24884,154178,1.0,40.3,37.4,5.2,17.1,BND:12.6%;MUB:23.3%;HYG:23.3%;AMZN:10.5%;AAPL:15.5%;TSLA:14.7%,US:68.9;EU:12.6;APAC:8.1;EM:9.7;Other:0.7,Value:+0.5;Growth:-0.6;Quality:-0.5;Size:-0.4;Momentum:+1.0;LowVol:+0.6,ESGOnly;NoMargin,5,30,4.9,trailing 8%,90,15.0,Bear,26.6,3.84,1.8,160,-3,46,56,false,Rebalance,Shift +1% to bonds from equity,27,-17,BrokerD,LMT,96,None,None,Normal monitoring,117,-48,194,4,false,Tax-aware sells next window
P1955,Systematic,Trust,USD,2025-04-17,967828,71373,896455,1.0,67.7,26.4,0.0,5.9,QQQ:19.0%;XLF:15.6%;VTI:10.4%;VNQ:13.8%;AAPL:20.4%;HYG:20.8%,US:57.7;EU:14.9;APAC:13.2;EM:11.7;Other:2.5,Value:+0.1;Growth:-0.2;Quality:+0.4;Size:-0.9;Momentum:-0.1;LowVol:+0.5,MaxPos7%,7,35,5.1,trailing 9%,147,20.4,Sideways,15.1,4.02,2.8,114,14,45,50,false,Sell,Trim extended winner -1%,26,-11,BrokerD,MKT,93,None,None,Normal monitoring,-46,-4,88,4,false,Monitor dispersion and breadth
P1956,Hands-off,IRA,USD,2024-12-01,497169,37886,459283,1.0,60.4,24.1,9.5,6.0,MSFT:27.3%;XLF:18.0%;VTI:27.3%;GLD:27.3%,US:62.3;EU:11.2;APAC:12.1;EM:10.1;Other:4.3,Value:-0.4;Growth:-0.5;Quality:+0.8;Size:+0.8;Momentum:+0.8;LowVol:-0.5,,5,25,3.1,trailing 8%,115,20.0,Volatile,22.3,5.17,3.7,136,58,79,64,false,Sell,Trim extended winner -1%,32,-1,BrokerD,VWAP,88,None,None,Normal monitoring,-20,-44,96,3,false,Monitor dispersion and breadth
P1957,Hands-off,Taxable,USD,2024-11-24,374925,18338,356587,1.0,66.4,22.1,6.0,5.5,MSFT:11.7%;HYG:24.8%;VTI:24.8%;TSLA:24.8%;BND:13.8%,US:72.6;EU:9.9;APAC:9.4;EM:5.7;Other:2.5,Value:-0.3;Growth:-0.1;Quality:-0.2;Size:+0.1;Momentum:-0.9;LowVol:+0.2,ESGOnly;MaxPos8%;NoDerivatives,7,30,4.4,hard 10%,125,14.5,Sideways,15.5,4.6,2.1,134,-30,20,50,false,Rebalance,Shift +1% to bonds from equity,13,-34,BrokerA,VWAP,98,None,None,Normal monitoring,63,-4,106,5,false,Tax-aware sells next window
P1958,Systematic,Roth,USD,2025-03-20,1497028,84723,1412305,1.0,61.3,32.5,0.0,6.2,MSFT:6.4%;TLT:21.4%;IEF:21.4%;TSLA:20.1%;BND:21.4%;VNQ:9.3%,US:69.8;EU:13.1;APAC:8.9;EM:4.6;Other:3.6,Value:+0.6;Growth:+0.6;Quality:+0.5;Size:-1.0;Momentum:-0.6;LowVol:+0.2,NoDerivatives,8,35,4.9,trailing 9%,220,23.8,Volatile,24.1,4.21,2.8,147,66,94,74,true,Hedge,Buy index puts 1% notional,30,-35,BrokerB,MKT,87,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,94,-23,159,5,false,Monitor dispersion and breadth
P1959,Cautious,IRA,USD,2024-10-10,801102,110012,691090,1.0,41.8,31.2,9.8,17.3,VOO:22.2%;XLF:22.2%;MUB:15.5%;BND:21.5%;AAPL:10.6%;VTI:8.1%,US:69.9;EU:9.2;APAC:5.2;EM:10.8;Other:4.8,Value:-0.3;Growth:-0.7;Quality:-0.9;Size:-0.1;Momentum:-0.2;LowVol:+0.6,NoMargin,5,30,4.5,hard 10%,169,15.3,Sideways,20.7,3.65,3.3,107,32,80,47,false,Rebalance,Shift +1% to bonds from equity,3,-20,BrokerB,MKT,96,None,None,Normal monitoring,-10,-30,-11,3,false,Tighten stops on momentum names
P1960,Active,IRA,USD,2025-09-07,1553442,147734,1405708,1.0,59.7,19.5,12.3,8.6,MUB:16.5%;AAPL:14.5%;XLF:20.7%;BND:20.7%;VOO:18.3%;QQQ:9.3%,US:71.7;EU:11.5;APAC:6.4;EM:7.6;Other:2.8,Value:-0.6;Growth:-0.1;Quality:-0.9;Size:0.0;Momentum:-0.1;LowVol:+0.4,NoDerivatives,8,35,4.1,hard 12%,126,25.4,Volatile,22.9,5.39,2.2,170,3,61,60,false,Rebalance,Shift +1% to bonds from equity,2,-4,BrokerA,MKT,98,None,None,Normal monitoring,-56,14,-30,3,false,Tighten stops on momentum names
P1961,Opportunistic,IRA,USD,2025-06-17,1111827,88094,1023733,1.0,67.9,15.2,12.4,4.5,HYG:20.4%;VOO:8.3%;AAPL:16.9%;VTI:19.2%;XLF:18.0%;IEF:17.2%,US:68.9;EU:12.4;APAC:11.1;EM:3.3;Other:4.2,Value:+0.6;Growth:-0.9;Quality:-0.4;Size:-0.9;Momentum:-0.3;LowVol:-0.4,MaxPos8%,5,35,4.1,hard 12%,212,22.0,Volatile,29.9,3.61,3.5,165,-32,45,74,true,Rebalance,Rebalance back to target bands,22,-26,BrokerB,LMT,99,VAR>budget,Reduce,Risk above budget threshold,-2,-31,113,4,false,Monitor dispersion and breadth
P1962,Opportunistic,Taxable,USD,2025-03-31,897509,37741,859768,1.0,62.8,12.2,19.2,5.9,TLT:18.6%;IEF:17.2%;XLF:11.1%;MUB:18.4%;QQQ:19.1%;AMZN:15.7%,US:53.6;EU:17.4;APAC:15.2;EM:11.6;Other:2.2,Value:+0.2;Growth:+0.4;Quality:-0.3;Size:-0.6;Momentum:-0.0;LowVol:+0.5,,6,25,4.2,trailing 9%,240,22.0,Bull,16.0,4.19,2.2,103,71,74,43,false,Sell,Trim extended winner -1%,14,13,BrokerB,MKT,87,None,None,Normal monitoring,63,-42,37,4,false,Within IPS guidelines
P1963,Opportunistic,IRA,USD,2025-01-15,1309857,51698,1258159,1.24,76.7,16.2,0.0,7.1,GLD:25.1%;IEF:24.8%;VOO:25.1%;HYG:25.1%,US:70.5;EU:4.8;APAC:11.0;EM:9.3;Other:4.4,Value:-0.1;Growth:-0.9;Quality:+0.2;Size:+0.8;Momentum:-0.1;LowVol:+0.9,,7,25,6.7,trailing 7%,165,27.5,Bear,34.9,4.03,2.3,161,13,66,100,true,Rebalance,Rebalance back to target bands,10,-8,BrokerD,MKT,94,VAR>budget,Reduce,Risk above budget threshold,103,1,113,2,false,Tax-aware sells next window
P1964,Systematic,Trust,USD,2024-09-30,1946956,185727,1761229,1.0,62.9,26.9,4.6,5.7,BRK.B:22.5%;HYG:22.5%;BND:21.6%;TSLA:14.3%;MSFT:19.1%,US:67.4;EU:17.9;APAC:11.2;EM:3.1;Other:0.4,Value:-0.9;Growth:-1.0;Quality:+0.2;Size:-0.3;Momentum:-0.7;LowVol:-0.2,,5,35,5.5,hard 12%,146,24.8,Bull,11.1,4.34,2.0,102,33,67,47,false,Hedge,Add TLT +1% as duration hedge,-14,2,BrokerA,LMT,100,None,None,Normal monitoring,-46,11,39,5,false,Increase defensive factor exposure
P1965,Hands-off,IRA,USD,2025-02-11,225723,15381,210342,1.0,72.4,19.0,0.0,8.6,GLD:22.1%;TLT:22.1%;AAPL:18.8%;IEF:21.4%;VTI:15.6%,US:68.6;EU:6.0;APAC:15.7;EM:5.0;Other:4.7,Value:-0.5;Growth:+0.8;Quality:+0.2;Size:-0.9;Momentum:-0.0;LowVol:+0.7,MaxPos7%;NoDerivatives,10,25,3.5,trailing 8%,94,14.3,Bear,28.2,3.47,2.8,195,-75,5,85,true,Rebalance,Rebalance back to target bands,7,-25,BrokerC,LMT,88,Drift>tolerance,Reduce,Allocation drift beyond policy bands,67,-52,140,4,false,Increase defensive factor exposure
P1966,Opportunistic,Trust,USD,2024-10-08,1334101,101210,1232891,1.0,69.4,17.1,6.4,7.1,VNQ:22.9%;HYG:25.7%;VTI:25.7%;AAPL:25.7%,US:66.2;EU:15.6;APAC:8.0;EM:8.9;Other:1.3,Value:0.0;Growth:-0.8;Quality:0.0;Size:+0.4;Momentum:-0.5;LowVol:-0.9,MaxPos5%,5,35,6.9,trailing 9%,197,25.8,Sideways,17.2,4.25,3.3,109,-3,51,64,false,Buy,Add to core equity +1%,28,-1,BrokerB,LMT,88,None,None,Normal monitoring,117,-3,146,5,false,Within IPS guidelines
P1967,Opportunistic,Roth,USD,2025-09-21,1020980,38457,982523,1.06,67.1,16.3,11.4,5.1,TLT:35.1%;VOO:35.1%;MUB:29.7%,US:65.4;EU:17.4;APAC:10.3;EM:2.9;Other:3.9,Value:-0.3;Growth:-0.2;Quality:-0.2;Size:-0.6;Momentum:+0.7;LowVol:+0.9,MaxPos5%;NoDerivatives,10,25,5.9,trailing 9%,174,23.8,Sideways,20.6,3.96,2.7,104,43,86,68,false,Sell,Trim extended winner -1%,32,5,BrokerB,VWAP,94,None,None,Normal monitoring,30,-55,120,4,false,Tax-aware sells next window
P1968,Opportunistic,Taxable,USD,2024-08-31,1276805,54935,1221870,1.0,69.5,11.3,11.0,8.2,XLF:36.5%;BND:27.1%;IEF:36.5%,US:63.6;EU:12.8;APAC:14.6;EM:6.1;Other:2.8,Value:-0.1;Growth:+0.1;Quality:-0.7;Size:0.0;Momentum:+0.7;LowVol:-0.2,MaxPos5%;NoDerivatives,7,25,4.9,trailing 7%,192,26.3,Bull,17.5,3.85,2.0,79,7,59,57,false,Rebalance,Shift +1% to bonds from equity,-6,-39,BrokerD,MKT,100,None,None,Normal monitoring,-51,-13,66,4,false,Tighten stops on momentum names
P1969,Systematic,401k,USD,2025-10-25,1382927,132772,1250155,1.0,63.4,21.2,6.5,8.9,AMZN:36.9%;IEF:36.9%;VNQ:26.1%,US:70.6;EU:10.8;APAC:6.7;EM:11.7;Other:0.4,Value:+0.2;Growth:-0.8;Quality:+0.6;Size:+0.7;Momentum:0.0;LowVol:-0.8,,6,30,5.2,hard 12%,208,17.5,Bull,14.0,3.52,2.9,106,16,47,44,false,Sell,Trim extended winner -1%,1,-10,BrokerD,MKT,85,None,None,Normal monitoring,4,-48,87,5,false,Within IPS guidelines
P1970,Opportunistic,401k,USD,2025-06-13,1171819,38836,1132983,1.0,71.0,20.6,0.0,8.4,HYG:26.7%;QQQ:26.7%;VTI:19.8%;MUB:26.7%,US:71.9;EU:11.1;APAC:7.4;EM:5.2;Other:4.3,Value:+0.5;Growth:-0.2;Quality:+0.9;Size:+0.4;Momentum:-0.3;LowVol:0.0,MaxPos7%,7,35,5.4,trailing 9%,198,21.2,Bull,17.2,4.56,2.1,96,43,59,50,false,Sell,Trim extended winner -1%,11,14,BrokerB,LMT,97,None,None,Normal monitoring,-3,15,-21,3,false,Monitor dispersion and breadth
P1971,Hands-off,Trust,USD,2025-01-23,382952,19887,363065,1.0,58.8,26.0,7.2,8.0,XLF:18.7%;VOO:20.7%;IEF:15.9%;BRK.B:13.4%;VNQ:20.7%;AAPL:10.7%,US:78.3;EU:7.3;APAC:7.2;EM:5.1;Other:2.0,Value:-0.2;Growth:-0.9;Quality:+0.5;Size:-0.5;Momentum:-0.9;LowVol:+0.3,NoDerivatives,8,30,5.2,trailing 8%,107,16.7,Volatile,31.9,4.35,3.2,130,-11,37,80,true,Hedge,Buy index puts 1% notional,8,-34,BrokerC,MKT,93,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-21,-40,-9,4,false,Increase defensive factor exposure
P1972,Hands-off,Roth,USD,2025-12-06,811050,35638,775412,1.0,67.1,18.2,6.0,8.6,TLT:12.1%;MUB:12.8%;MSFT:21.2%;TSLA:10.9%;GLD:19.7%;IEF:23.4%,US:69.1;EU:7.9;APAC:8.1;EM:12.2;Other:2.7,Value:+0.5;Growth:+0.7;Quality:+0.8;Size:+0.8;Momentum:+0.4;LowVol:-1.0,MaxPos6%;NoDerivatives,6,35,3.7,trailing 10%,167,14.7,Bull,15.7,4.35,3.4,118,44,79,51,false,Buy,Add to core equity +1%,14,-7,BrokerC,MKT,99,None,None,Normal monitoring,7,-52,38,3,false,Tax-aware sells next window
P1973,Systematic,Trust,USD,2024-10-14,486016,41245,444771,1.0,58.3,33.9,0.0,7.8,QQQ:26.9%;VOO:26.9%;BND:19.4%;AMZN:26.9%,US:80.3;EU:7.1;APAC:5.3;EM:4.4;Other:2.9,Value:+0.9;Growth:-0.1;Quality:+0.6;Size:+0.8;Momentum:+0.7;LowVol:+0.4,,5,30,5.2,hard 12%,182,23.5,Bull,11.0,3.77,2.9,99,9,47,41,true,Rebalance,Rebalance back to target bands,8,-8,BrokerC,VWAP,90,VAR>budget,TightenStops,Risk above budget threshold,27,-60,0,2,true,Monitor dispersion and breadth
P1974,Cautious,Roth,USD,2025-07-04,617143,81144,535999,1.0,41.6,35.1,12.3,11.0,QQQ:25.0%;GLD:25.0%;VNQ:25.0%;AAPL:25.0%,US:64.7;EU:15.7;APAC:11.5;EM:4.9;Other:3.2,Value:+0.4;Growth:+0.1;Quality:-0.4;Size:-0.4;Momentum:-0.7;LowVol:+0.5,ESGOnly;NoMargin,10,35,3.9,hard 10%,106,15.0,Volatile,21.5,4.38,3.7,155,-44,20,47,false,Hedge,Add TLT +1% as duration hedge,-5,12,BrokerA,LMT,90,None,None,Normal monitoring,29,9,78,5,false,Within IPS guidelines
P1975,Systematic,Taxable,USD,2025-02-19,792567,65402,727165,1.0,62.7,25.8,4.3,7.2,VNQ:33.3%;AAPL:33.3%;TLT:33.3%,US:60.4;EU:13.8;APAC:12.2;EM:9.0;Other:4.6,Value:+0.3;Growth:-1.0;Quality:-0.3;Size:+0.5;Momentum:-0.9;LowVol:+0.2,MaxPos6%,7,35,5.6,hard 12%,163,17.1,Bull,14.9,4.03,3.2,84,12,59,48,true,Hedge,Buy index puts 1% notional,-14,-18,BrokerA,MKT,99,Drift>tolerance,Hedge,Allocation drift beyond policy bands,34,-18,12,2,false,Tighten stops on momentum names
P1976,Systematic,IRA,USD,2024-08-29,1843193,133627,1709566,1.0,65.4,26.6,2.7,5.3,BND:16.8%;VOO:21.2%;BRK.B:20.8%;GLD:9.3%;QQQ:16.4%;VTI:15.6%,US:65.0;EU:13.9;APAC:10.4;EM:9.5;Other:1.2,Value:-0.7;Growth:-0.5;Quality:0.0;Size:-0.3;Momentum:+1.0;LowVol:+1.0,MaxPos6%,6,25,5.5,trailing 9%,125,26.4,Volatile,23.3,4.86,3.4,121,-46,39,73,true,Reduce,"Cut high-beta by 2-3%, add cash",7,-2,BrokerC,MKT,98,RegimeShift,Reduce,Volatility spike and breadth deterioration,100,-19,141,3,false,Within IPS guidelines
P1977,Systematic,IRA,USD,2024-12-30,1117364,111383,1005981,1.0,61.6,22.6,10.7,5.2,VNQ:23.7%;AMZN:16.6%;VOO:23.7%;BRK.B:23.7%;TSLA:12.4%,US:66.3;EU:8.2;APAC:13.5;EM:10.7;Other:1.2,Value:-0.2;Growth:-0.2;Quality:+1.0;Size:-0.6;Momentum:-0.2;LowVol:-1.0,MaxPos8%;NoDerivatives,8,30,4.1,hard 12%,169,24.2,Bull,15.4,4.04,3.2,109,9,46,54,false,Sell,Trim extended winner -1%,15,3,BrokerC,MKT,94,None,None,Normal monitoring,-27,-18,-63,4,false,Tighten stops on momentum names
P1978,Hands-off,IRA,USD,2025-01-14,811495,58576,752919,1.0,67.6,16.3,8.1,8.0,BND:21.8%;GLD:18.2%;IEF:12.6%;VTI:13.8%;QQQ:11.8%;MSFT:21.8%,US:65.0;EU:9.0;APAC:13.4;EM:10.3;Other:2.3,Value:0.0;Growth:-0.3;Quality:-1.0;Size:+0.7;Momentum:-0.5;LowVol:+0.9,MaxPos7%,7,35,5.3,trailing 10%,143,16.4,Bear,32.8,3.39,1.0,218,0,46,82,true,Reduce,"Cut high-beta by 2-3%, add cash",20,13,BrokerB,LMT,88,Drift>tolerance,Reduce,Allocation drift beyond policy bands,66,-43,95,5,false,Increase defensive factor exposure
P1979,Active,Taxable,USD,2025-11-12,1300622,118436,1182186,1.0,63.8,29.4,0.0,6.8,AAPL:21.1%;TLT:21.1%;QQQ:13.7%;AMZN:18.7%;BRK.B:7.9%;VTI:17.6%,US:72.4;EU:5.6;APAC:9.4;EM:10.2;Other:2.5,Value:+0.5;Growth:-0.8;Quality:+0.7;Size:-0.5;Momentum:-0.6;LowVol:-0.3,NoDerivatives,10,25,4.5,trailing 9%,203,18.1,Volatile,29.4,4.4,3.8,160,45,73,75,true,Hedge,Buy index puts 1% notional,9,-27,BrokerA,LMT,87,VAR>budget,Reduce,Risk above budget threshold,111,-27,130,2,false,Monitor dispersion and breadth
P1980,Cautious,401k,USD,2024-12-19,883869,87354,796515,1.0,41.4,34.9,7.6,16.1,TSLA:29.1%;GLD:16.9%;XLF:24.8%;IEF:29.1%,US:64.6;EU:18.8;APAC:7.5;EM:8.8;Other:0.3,Value:-0.4;Growth:-0.3;Quality:-0.4;Size:-0.4;Momentum:+0.4;LowVol:-0.7,ESGOnly;NoMargin,10,25,4.1,trailing 8%,148,14.7,Bear,24.9,3.88,1.9,169,-92,11,47,true,Rebalance,Rebalance back to target bands,2,-21,BrokerA,MKT,87,VAR>budget,Reduce,Risk above budget threshold,34,-44,2,3,false,Increase defensive factor exposure
P1981,Hands-off,IRA,USD,2024-11-03,861940,72564,789376,1.0,69.0,20.0,4.5,6.5,BRK.B:29.0%;VOO:35.5%;AMZN:35.5%,US:72.4;EU:16.6;APAC:6.9;EM:3.0;Other:1.1,Value:-0.3;Growth:-0.4;Quality:-0.4;Size:-0.1;Momentum:-0.3;LowVol:-0.6,ESGOnly;NoDerivatives,8,25,5.7,trailing 8%,144,19.1,Bull,11.4,4.62,3.1,87,92,96,36,false,Rebalance,Shift +1% to bonds from equity,12,11,BrokerB,MKT,88,None,None,Normal monitoring,44,-24,160,5,false,Tighten stops on momentum names
P1982,Hands-off,IRA,USD,2025-08-09,203800,17203,186597,1.0,57.0,22.5,13.7,6.7,QQQ:19.5%;TSLA:29.3%;TLT:22.0%;VOO:29.3%,US:65.8;EU:12.7;APAC:12.9;EM:6.5;Other:2.2,Value:+0.3;Growth:+0.3;Quality:-0.6;Size:+0.2;Momentum:+0.5;LowVol:-0.7,NoDerivatives,10,30,3.4,hard 10%,135,15.0,Bull,12.0,3.76,3.1,80,101,100,31,false,Rebalance,Shift +1% to bonds from equity,24,-3,BrokerC,LMT,97,None,None,Normal monitoring,7,-7,-20,5,false,Tax-aware sells next window
P1983,Active,401k,USD,2024-10-01,1862378,210768,1651610,1.0,61.7,22.1,10.6,5.5,BND:22.3%;QQQ:22.3%;AMZN:22.3%;VOO:16.6%;MSFT:16.5%,US:63.2;EU:14.7;APAC:11.4;EM:8.2;Other:2.4,Value:-0.5;Growth:-0.5;Quality:-0.4;Size:-0.5;Momentum:-0.7;LowVol:-0.7,MaxPos8%,10,25,4.3,trailing 9%,205,17.6,Bull,17.7,4.54,3.2,111,10,52,49,false,Sell,Trim extended winner -1%,20,-31,BrokerC,LMT,100,None,None,Normal monitoring,92,-31,158,3,false,Monitor dispersion and breadth
P1984,Opportunistic,IRA,USD,2025-09-09,1254022,98760,1155262,1.0,69.4,13.8,12.7,4.1,MSFT:20.3%;TSLA:18.5%;BRK.B:15.1%;VTI:15.4%;AMZN:14.8%;BND:16.0%,US:72.8;EU:7.6;APAC:7.7;EM:10.9;Other:1.0,Value:-0.6;Growth:-0.5;Quality:+0.3;Size:-0.3;Momentum:+0.1;LowVol:-0.1,MaxPos5%,7,35,6.6,trailing 7%,164,24.8,Bull,12.5,3.73,2.2,80,1,38,38,false,Sell,Trim extended winner -1%,0,-16,BrokerC,MKT,87,None,None,Normal monitoring,-44,17,81,3,false,Tax-aware sells next window
P1985,Cautious,Trust,USD,2025-04-30,473056,58355,414701,1.0,35.7,39.2,14.5,10.6,HYG:15.2%;VTI:19.2%;BRK.B:15.5%;MSFT:13.3%;AMZN:19.9%;IEF:17.0%,US:62.5;EU:19.3;APAC:13.0;EM:4.1;Other:1.1,Value:-0.3;Growth:-1.0;Quality:0.0;Size:-0.2;Momentum:+1.0;LowVol:+0.5,MaxPos5%;NoMargin,5,25,5.5,trailing 8%,168,19.1,Sideways,16.5,4.77,2.8,112,19,57,43,false,Buy,Add to core equity +1%,27,-22,BrokerC,VWAP,86,None,None,Normal monitoring,106,3,189,4,false,Increase defensive factor exposure
P1986,Hands-off,Trust,USD,2025-10-27,613499,40820,572679,1.0,64.3,20.5,7.9,7.4,BND:25.0%;VTI:25.0%;GLD:25.0%;TLT:25.0%,US:66.2;EU:12.4;APAC:12.4;EM:5.3;Other:3.6,Value:+0.8;Growth:+1.0;Quality:-0.6;Size:+0.3;Momentum:+0.4;LowVol:-0.7,ESGOnly,7,30,5.5,trailing 8%,112,19.5,Bull,12.4,4.76,3.1,76,47,86,45,false,Sell,Trim extended winner -1%,12,10,BrokerB,MKT,87,None,None,Normal monitoring,103,-56,68,3,false,Tax-aware sells next window
P1987,Active,Trust,USD,2025-06-04,2218674,156363,2062311,1.0,50.4,22.0,21.7,5.9,MSFT:21.9%;AMZN:26.0%;VNQ:26.0%;HYG:26.0%,US:70.0;EU:8.8;APAC:11.9;EM:5.0;Other:4.2,Value:0.0;Growth:-0.9;Quality:+0.6;Size:-0.7;Momentum:-0.6;LowVol:-0.6,MaxPos5%,10,35,4.9,trailing 8%,173,19.4,Volatile,30.7,5.36,3.1,180,4,53,61,false,Hedge,Add TLT +1% as duration hedge,-2,-24,BrokerD,VWAP,94,None,None,Normal monitoring,78,-12,159,3,false,Tighten stops on momentum names
P1988,Cautious,Trust,USD,2024-10-16,615379,73458,541921,1.0,48.1,36.1,0.0,15.9,XLF:24.0%;AAPL:25.3%;MUB:25.3%;GLD:25.3%,US:69.1;EU:7.1;APAC:14.1;EM:5.2;Other:4.5,Value:-0.9;Growth:+0.6;Quality:-0.4;Size:+0.1;Momentum:+0.5;LowVol:-0.7,ESGOnly;MaxPos7%;NoDerivatives;NoMargin,10,30,5.7,hard 10%,90,17.8,Volatile,31.9,3.84,4.4,144,-41,37,66,false,Rebalance,Shift +1% to bonds from equity,10,1,BrokerC,MKT,87,None,None,Normal monitoring,-39,-16,16,5,false,Tighten stops on momentum names
P1989,Hands-off,Trust,USD,2025-08-27,620944,27883,593061,1.0,71.7,15.0,6.4,6.9,HYG:20.4%;TLT:20.7%;GLD:23.8%;TSLA:23.8%;MSFT:11.4%,US:68.0;EU:14.7;APAC:8.3;EM:6.0;Other:2.9,Value:-0.7;Growth:+0.6;Quality:-0.9;Size:-0.5;Momentum:+0.1;LowVol:-0.1,ESGOnly;MaxPos8%,8,35,5.8,hard 10%,113,19.2,Bear,28.4,3.85,2.4,132,-115,7,69,false,Buy,Add to core equity +1%,6,-32,BrokerB,LMT,89,None,None,Normal monitoring,-42,-59,-54,3,false,Increase defensive factor exposure
P1990,Opportunistic,Trust,USD,2025-08-21,344892,20548,324344,1.0,65.1,20.7,5.3,8.8,VNQ:9.2%;GLD:15.6%;TSLA:21.4%;QQQ:12.2%;MUB:20.5%;HYG:21.0%,US:62.1;EU:19.7;APAC:10.9;EM:4.0;Other:3.3,Value:+0.3;Growth:+0.9;Quality:+0.8;Size:+0.3;Momentum:-0.1;LowVol:-0.3,,10,30,5.1,trailing 7%,188,31.4,Sideways,20.2,3.87,2.5,132,27,55,57,false,Hedge,Add TLT +1% as duration hedge,3,-39,BrokerC,VWAP,98,None,None,Normal monitoring,86,12,63,4,false,Increase defensive factor exposure
P1991,Hands-off,Taxable,USD,2024-09-16,372165,21302,350863,1.0,73.5,17.5,0.0,9.0,BRK.B:28.1%;MUB:15.6%;IEF:28.1%;MSFT:28.1%,US:72.9;EU:12.7;APAC:6.3;EM:6.3;Other:1.8,Value:-0.3;Growth:-0.3;Quality:+0.7;Size:+0.1;Momentum:-0.4;LowVol:-0.5,ESGOnly,7,30,3.9,hard 10%,91,16.6,Volatile,29.0,4.04,2.6,151,-15,39,91,true,Hedge,Buy index puts 1% notional,19,-4,BrokerD,LMT,100,VAR>budget,Hedge,Risk above budget threshold,115,-14,142,3,false,Increase defensive factor exposure
P1992,Opportunistic,Trust,USD,2024-10-25,596293,52901,543392,1.0,60.5,21.3,11.7,6.5,VNQ:14.1%;BND:21.6%;AMZN:16.0%;TLT:8.7%;MUB:21.6%;TSLA:17.9%,US:64.9;EU:14.5;APAC:13.9;EM:4.4;Other:2.3,Value:+0.6;Growth:+0.5;Quality:-0.0;Size:-0.1;Momentum:0.0;LowVol:-0.5,MaxPos8%,5,35,5.7,hard 12%,183,29.2,Bull,17.1,4.49,2.9,115,52,81,53,false,NoAction,Within bands; monitor,8,-26,BrokerB,LMT,90,None,None,Normal monitoring,82,-60,209,4,false,Increase defensive factor exposure
P1993,Cautious,401k,USD,2025-09-18,362346,31765,330581,1.0,45.4,42.0,1.4,11.2,AMZN:13.0%;IEF:15.4%;AAPL:20.3%;BND:15.9%;GLD:20.3%;VOO:15.2%,US:64.1;EU:9.3;APAC:13.5;EM:9.7;Other:3.3,Value:+0.1;Growth:-0.7;Quality:+0.4;Size:-1.0;Momentum:+0.7;LowVol:+1.0,ESGOnly;MaxPos5%;NoMargin,5,25,3.4,trailing 10%,133,16.3,Bear,33.2,4.45,2.6,164,10,67,75,true,Reduce,"Cut high-beta by 2-3%, add cash",27,-25,BrokerB,LMT,91,VAR>budget,Pause,Risk above budget threshold,-33,8,-39,3,false,Tighten stops on momentum names
P1994,Cautious,Trust,USD,2024-07-21,177499,28342,149157,1.0,53.4,36.2,0.0,10.5,MSFT:22.6%;VNQ:21.4%;VTI:21.7%;BRK.B:22.6%;MUB:11.7%,US:67.4;EU:17.3;APAC:8.6;EM:2.9;Other:3.7,Value:+0.8;Growth:-0.0;Quality:+0.8;Size:-0.7;Momentum:+0.4;LowVol:-0.8,NoMargin,8,35,4.1,trailing 10%,155,17.9,Bull,16.2,4.95,3.3,111,57,92,34,false,Sell,Trim extended winner -1%,6,-26,BrokerA,MKT,85,None,None,Normal monitoring,79,17,76,3,false,Tighten stops on momentum names
P1995,Cautious,Roth,USD,2025-11-25,177829,24533,153296,1.0,51.3,37.6,0.0,11.1,VNQ:7.1%;VTI:13.5%;MUB:22.6%;XLF:22.6%;GLD:11.5%;MSFT:22.6%,US:68.5;EU:16.8;APAC:9.8;EM:3.7;Other:1.2,Value:+0.4;Growth:-0.9;Quality:+0.2;Size:+0.3;Momentum:-0.0;LowVol:-0.2,NoMargin,5,30,5.6,trailing 8%,108,15.8,Sideways,21.7,4.64,2.8,128,8,54,54,false,Rebalance,Shift +1% to bonds from equity,24,7,BrokerB,VWAP,89,None,None,Normal monitoring,101,-21,118,4,false,Increase defensive factor exposure
P1996,Cautious,IRA,USD,2025-11-16,774150,69124,705026,1.0,49.6,34.3,1.7,14.4,IEF:34.1%;HYG:34.1%;XLF:31.9%,US:64.9;EU:19.5;APAC:8.7;EM:5.7;Other:1.2,Value:-0.4;Growth:-0.8;Quality:-0.9;Size:-0.1;Momentum:+0.9;LowVol:+0.2,MaxPos6%;NoMargin,7,25,3.6,trailing 8%,146,18.2,Volatile,27.8,4.71,2.7,145,54,70,64,false,Buy,Add to core equity +1%,3,-5,BrokerD,VWAP,91,None,None,Normal monitoring,31,-11,157,5,false,Tax-aware sells next window
P1997,Systematic,Taxable,USD,2025-10-06,1461768,106010,1355758,1.0,66.0,28.1,0.0,5.9,TSLA:20.3%;MSFT:18.8%;BND:14.8%;MUB:15.1%;HYG:19.0%;TLT:12.1%,US:67.8;EU:9.2;APAC:15.6;EM:6.8;Other:0.6,Value:+0.2;Growth:-0.3;Quality:+0.9;Size:0.0;Momentum:0.0;LowVol:-0.5,MaxPos6%,8,25,5.5,trailing 8%,163,26.6,Volatile,25.7,3.82,3.9,157,-60,12,75,true,Hedge,Buy index puts 1% notional,6,-30,BrokerD,LMT,93,VAR>budget,Reduce,Risk above budget threshold,-54,-38,-86,2,false,Monitor dispersion and breadth
P1998,Hands-off,Trust,USD,2025-11-06,204900,13316,191584,1.0,68.3,23.0,0.0,8.8,TSLA:22.9%;TLT:22.5%;MUB:22.9%;BND:8.7%;AAPL:22.9%,US:66.6;EU:10.2;APAC:12.0;EM:6.8;Other:4.4,Value:-0.5;Growth:+0.9;Quality:+0.7;Size:-0.4;Momentum:-0.2;LowVol:+0.1,ESGOnly;MaxPos7%,8,35,5.0,trailing 8%,159,19.1,Volatile,28.5,4.75,3.5,145,24,54,67,false,Rebalance,Shift +1% to bonds from equity,28,1,BrokerD,VWAP,93,None,None,Normal monitoring,-35,-16,71,4,false,Within IPS guidelines
P1999,Cautious,Taxable,USD,2025-03-08,592999,63778,529221,1.0,47.7,36.9,0.0,15.4,VOO:16.7%;AAPL:22.9%;BND:22.9%;VNQ:22.9%;MUB:14.7%,US:59.7;EU:10.5;APAC:15.2;EM:12.4;Other:2.2,Value:+0.2;Growth:-0.6;Quality:-0.6;Size:+0.8;Momentum:-0.0;LowVol:+0.3,ESGOnly;MaxPos6%;NoMargin,8,25,5.5,trailing 8%,161,12.7,Bull,17.8,3.7,2.3,94,111,100,36,false,Hedge,Add TLT +1% as duration hedge,23,-35,BrokerB,MKT,100,None,None,Normal monitoring,88,-23,180,5,false,Monitor dispersion and breadth
P2000,Hands-off,Taxable,USD,2025-03-03,747076,48599,698477,1.0,62.8,15.2,13.3,8.7,TLT:33.3%;AAPL:33.3%;GLD:33.3%,US:72.7;EU:13.3;APAC:6.0;EM:5.2;Other:2.7,Value:-0.8;Growth:+0.8;Quality:+0.9;Size:-0.3;Momentum:+0.3;LowVol:-0.9,,10,30,5.3,hard 10%,121,14.0,Volatile,22.2,5.22,2.9,121,48,87,59,false,Rebalance,Shift +1% to bonds from equity,33,-34,BrokerB,LMT,88,None,None,Normal monitoring,16,-19,46,4,false,Within IPS guidelines
P2001,Active,Roth,USD,2025-02-18,600561,51374,549187,1.0,61.6,31.2,0.0,7.1,AAPL:20.7%;QQQ:21.0%;HYG:22.7%;IEF:22.7%;AMZN:13.0%,US:65.8;EU:13.0;APAC:15.9;EM:5.1;Other:0.2,Value:-0.9;Growth:-0.3;Quality:+0.8;Size:+0.1;Momentum:-0.4;LowVol:+0.2,MaxPos6%;NoDerivatives,8,30,4.6,hard 12%,182,19.6,Volatile,24.0,5.3,4.1,158,4,48,60,false,Rebalance,Shift +1% to bonds from equity,-8,-29,BrokerB,MKT,92,None,None,Normal monitoring,34,3,-6,3,false,Monitor dispersion and breadth
P2002,Cautious,IRA,USD,2025-10-08,413924,65228,348696,1.0,46.6,41.9,0.0,11.5,VNQ:37.6%;VOO:24.7%;VTI:37.6%,US:64.5;EU:16.3;APAC:7.6;EM:7.4;Other:4.2,Value:-0.4;Growth:+0.6;Quality:-0.9;Size:-0.5;Momentum:-0.5;LowVol:+0.9,MaxPos6%;NoDerivatives;NoMargin,5,30,3.3,trailing 10%,129,17.7,Sideways,14.9,4.94,2.4,121,11,40,37,false,Buy,Add to core equity +1%,7,-40,BrokerA,LMT,91,None,None,Normal monitoring,110,-29,115,3,false,Tax-aware sells next window
P2003,Cautious,Trust,USD,2024-11-22,668879,100070,568809,1.0,49.4,37.7,0.0,12.9,AAPL:33.3%;MUB:33.3%;VTI:33.3%,US:65.1;EU:11.4;APAC:12.3;EM:6.2;Other:4.9,Value:+0.8;Growth:+1.0;Quality:-0.5;Size:+0.8;Momentum:+0.1;LowVol:-0.3,ESGOnly;MaxPos7%;NoMargin,6,35,4.7,trailing 10%,97,12.8,Volatile,26.3,3.64,2.2,136,7,68,56,false,Buy,Add to core equity +1%,6,15,BrokerC,MKT,98,None,None,Normal monitoring,-11,11,86,3,false,Within IPS guidelines
P2004,Opportunistic,Trust,USD,2025-07-30,1324217,94181,1230036,1.0,71.8,15.2,7.8,5.1,BND:25.4%;XLF:25.4%;GLD:23.9%;HYG:25.4%,US:63.9;EU:16.8;APAC:8.0;EM:7.0;Other:4.3,Value:+0.3;Growth:-0.5;Quality:-0.9;Size:+0.4;Momentum:+0.9;LowVol:0.0,,7,25,6.2,trailing 7%,262,25.7,Volatile,24.1,5.44,3.8,128,-12,53,81,true,Rebalance,Rebalance back to target bands,-7,-21,BrokerD,VWAP,89,Drift>tolerance,Hedge,Allocation drift beyond policy bands,43,15,100,2,false,Within IPS guidelines
P2005,Cautious,Taxable,USD,2025-04-22,577968,85768,492200,1.0,50.3,37.2,2.2,10.3,BND:24.1%;VTI:25.3%;MSFT:25.3%;XLF:25.3%,US:60.0;EU:15.8;APAC:11.5;EM:9.0;Other:3.7,Value:-0.7;Growth:+0.3;Quality:+0.9;Size:-0.4;Momentum:+1.0;LowVol:-0.1,MaxPos8%;NoMargin,6,25,5.5,trailing 8%,92,19.7,Volatile,23.4,4.1,2.2,178,-23,45,52,false,Hedge,Add TLT +1% as duration hedge,1,-15,BrokerA,LMT,100,None,None,Normal monitoring,57,18,112,5,false,Monitor dispersion and breadth
P2006,Hands-off,Taxable,USD,2025-01-17,355575,19436,336139,1.0,72.1,18.0,0.0,9.8,MUB:17.5%;TLT:27.5%;VTI:27.5%;TSLA:27.5%,US:62.3;EU:15.8;APAC:13.1;EM:8.6;Other:0.2,Value:+1.0;Growth:-0.6;Quality:-0.4;Size:-0.3;Momentum:0.0;LowVol:+0.1,ESGOnly,6,30,3.0,hard 10%,164,14.6,Bull,11.2,4.14,3.1,90,58,82,44,false,Hedge,Add TLT +1% as duration hedge,13,-9,BrokerB,LMT,86,None,None,Normal monitoring,-46,-45,-84,3,false,Within IPS guidelines
P2007,Cautious,IRA,USD,2024-09-03,428829,35373,393456,1.0,46.1,36.6,1.5,15.7,GLD:12.7%;AMZN:16.3%;BND:23.7%;HYG:23.7%;IEF:23.7%,US:63.4;EU:18.3;APAC:7.8;EM:5.7;Other:4.8,Value:-1.0;Growth:+0.4;Quality:+0.7;Size:+0.9;Momentum:-0.0;LowVol:+0.7,NoMargin,8,30,4.7,trailing 10%,103,19.8,Volatile,28.2,3.53,2.5,173,-19,34,73,true,Rebalance,Rebalance back to target bands,19,-8,BrokerD,MKT,93,Drift>tolerance,Hedge,Allocation drift beyond policy bands,43,-27,123,3,true,Tighten stops on momentum names
P2008,Opportunistic,Roth,USD,2025-01-05,1308208,114460,1193748,1.12,72.6,15.4,5.1,6.9,AMZN:11.2%;IEF:14.8%;MSFT:18.2%;BND:21.7%;XLF:21.7%;QQQ:12.3%,US:64.9;EU:16.1;APAC:12.0;EM:5.8;Other:1.2,Value:+0.7;Growth:-0.5;Quality:+0.3;Size:-0.6;Momentum:-1.0;LowVol:-1.0,NoDerivatives,7,25,6.6,trailing 7%,182,22.4,Bull,12.6,3.98,2.3,111,78,75,55,false,Buy,Add to core equity +1%,19,-14,BrokerB,LMT,94,None,None,Normal monitoring,-53,-14,11,3,false,Within IPS guidelines
P2009,Opportunistic,Trust,USD,2025-12-26,1345860,62640,1283220,1.0,60.7,21.3,10.8,7.2,VNQ:25.0%;IEF:25.0%;GLD:25.0%;TSLA:25.0%,US:59.9;EU:14.7;APAC:13.1;EM:12.0;Other:0.4,Value:+0.3;Growth:+0.1;Quality:+0.6;Size:-0.7;Momentum:-0.1;LowVol:+0.5,MaxPos7%,6,30,6.6,hard 12%,254,25.7,Bull,16.1,5.0,2.5,92,79,87,46,false,Buy,Add to core equity +1%,28,-22,BrokerD,LMT,96,None,None,Normal monitoring,-17,1,-26,3,false,Within IPS guidelines
P2010,Cautious,IRA,USD,2025-01-01,463908,47719,416189,1.0,37.8,40.6,11.2,10.4,GLD:33.3%;QQQ:33.3%;AMZN:33.3%,US:68.8;EU:16.7;APAC:5.2;EM:7.6;Other:1.8,Value:-0.2;Growth:-0.8;Quality:+0.3;Size:-0.4;Momentum:-0.6;LowVol:+0.1,NoMargin,10,30,5.9,hard 10%,98,18.1,Volatile,25.4,4.02,3.0,168,56,65,43,false,Rebalance,Shift +1% to bonds from equity,4,-4,BrokerA,VWAP,96,None,None,Normal monitoring,39,-56,111,3,false,Tighten stops on momentum names
P2011,Active,Roth,USD,2025-05-21,2256711,162636,2094075,1.0,62.5,19.4,11.3,6.8,BRK.B:20.2%;QQQ:9.1%;VNQ:7.2%;VOO:22.0%;HYG:22.0%;AAPL:19.6%,US:66.1;EU:7.6;APAC:8.9;EM:12.5;Other:5.0,Value:+0.4;Growth:+0.6;Quality:+0.7;Size:+0.9;Momentum:-0.7;LowVol:-0.8,NoDerivatives,8,35,6.0,trailing 8%,188,24.2,Sideways,17.1,4.26,3.2,96,7,43,53,false,Buy,Add to core equity +1%,14,-32,BrokerD,MKT,98,None,None,Normal monitoring,95,-18,64,5,false,Monitor dispersion and breadth
P2012,Systematic,401k,USD,2024-09-05,1983676,106498,1877178,1.0,57.8,32.9,0.0,9.3,IEF:24.3%;VOO:16.6%;HYG:10.9%;AMZN:23.8%;VNQ:24.3%,US:69.9;EU:11.8;APAC:7.7;EM:9.1;Other:1.5,Value:+0.9;Growth:-0.8;Quality:+0.4;Size:+0.1;Momentum:+0.7;LowVol:-0.7,MaxPos7%,8,35,4.5,trailing 8%,137,24.4,Sideways,21.7,3.81,3.4,94,56,77,60,false,Sell,Trim extended winner -1%,13,-4,BrokerC,LMT,94,None,None,Normal monitoring,107,-51,175,5,false,Increase defensive factor exposure
P2013,Systematic,Trust,USD,2025-01-06,1183387,111548,1071839,1.0,66.7,22.4,2.6,8.3,GLD:20.3%;MSFT:8.4%;AMZN:17.7%;TLT:18.5%;QQQ:15.0%;TSLA:20.1%,US:68.7;EU:15.7;APAC:6.1;EM:5.9;Other:3.7,Value:+0.7;Growth:+0.6;Quality:+0.6;Size:+0.2;Momentum:+0.2;LowVol:+0.5,MaxPos5%,8,25,4.9,trailing 9%,173,26.1,Bull,16.8,3.74,2.2,97,9,50,56,false,Sell,Trim extended winner -1%,20,-23,BrokerC,MKT,96,None,None,Normal monitoring,16,-60,78,4,false,Tighten stops on momentum names
P2014,Hands-off,Taxable,USD,2024-10-20,398989,27823,371166,1.0,57.2,21.7,11.2,9.9,HYG:13.7%;AAPL:24.5%;BND:12.6%;MSFT:24.5%;VTI:24.5%,US:71.8;EU:13.2;APAC:6.7;EM:5.7;Other:2.6,Value:-0.9;Growth:-0.3;Quality:-0.6;Size:-0.8;Momentum:+0.6;LowVol:+0.1,ESGOnly;NoDerivatives,5,25,3.4,trailing 8%,160,19.1,Bull,14.8,3.82,3.0,90,110,100,49,false,Buy,Add to core equity +1%,-15,-28,BrokerC,MKT,88,None,None,Normal monitoring,-40,1,-28,5,false,Within IPS guidelines
P2015,Cautious,IRA,USD,2025-09-22,279752,38813,240939,1.0,44.7,42.6,2.4,10.3,GLD:25.9%;BRK.B:24.6%;QQQ:25.9%;IEF:23.6%,US:69.7;EU:6.9;APAC:7.8;EM:12.3;Other:3.4,Value:+0.4;Growth:+0.7;Quality:-0.3;Size:+0.9;Momentum:-0.5;LowVol:0.0,MaxPos8%;NoMargin,5,25,5.6,trailing 8%,148,15.8,Bull,16.9,3.95,2.5,119,110,100,31,true,Reduce,"Cut high-beta by 2-3%, add cash",21,-35,BrokerB,LMT,96,Drift>tolerance,Hedge,Allocation drift beyond policy bands,113,9,97,5,true,Within IPS guidelines
P2016,Active,IRA,USD,2025-02-21,1983940,123370,1860570,1.16,54.4,30.9,8.8,5.9,VTI:33.5%;GLD:33.1%;MUB:33.5%,US:56.9;EU:14.7;APAC:12.6;EM:11.9;Other:3.9,Value:-0.2;Growth:-0.6;Quality:+0.8;Size:-0.7;Momentum:-0.3;LowVol:-0.5,,8,35,5.3,hard 12%,186,25.0,Sideways,14.4,4.22,3.2,116,0,48,49,false,Rebalance,Shift +1% to bonds from equity,2,-34,BrokerD,MKT,92,None,None,Normal monitoring,6,-4,34,4,false,Monitor dispersion and breadth
P2017,Hands-off,Roth,USD,2025-03-27,575815,43687,532128,1.0,56.6,30.0,8.2,5.2,AMZN:12.8%;XLF:23.9%;VTI:15.4%;VNQ:23.9%;AAPL:23.9%,US:59.9;EU:13.7;APAC:12.0;EM:10.3;Other:4.1,Value:-0.7;Growth:-0.9;Quality:-0.3;Size:0.0;Momentum:-0.7;LowVol:-0.2,,10,35,4.2,trailing 10%,122,15.2,Bear,27.0,3.85,1.6,206,-110,5,58,false,Buy,Add to core equity +1%,22,-38,BrokerD,LMT,97,None,None,Normal monitoring,-54,-19,-38,4,false,Within IPS guidelines
P2018,Opportunistic,IRA,USD,2024-11-09,1757152,105158,1651994,1.0,73.9,16.7,3.6,5.8,TLT:22.5%;VOO:17.4%;HYG:22.5%;TSLA:10.2%;AMZN:16.1%;VTI:11.3%,US:57.2;EU:18.1;APAC:15.5;EM:6.4;Other:2.7,Value:+0.7;Growth:-0.5;Quality:+0.7;Size:+0.2;Momentum:+0.1;LowVol:-0.1,,8,30,5.6,trailing 9%,170,24.7,Sideways,14.0,3.66,3.0,133,45,68,62,false,Buy,Add to core equity +1%,8,-5,BrokerC,LMT,88,None,None,Normal monitoring,50,-59,182,5,false,Tax-aware sells next window
P2019,Opportunistic,IRA,USD,2025-05-17,896280,38821,857459,1.18,75.4,15.4,2.6,6.7,VNQ:15.2%;AMZN:11.9%;XLF:22.0%;MSFT:11.4%;BND:22.3%;BRK.B:17.3%,US:66.7;EU:13.9;APAC:8.8;EM:7.1;Other:3.5,Value:-0.7;Growth:+0.7;Quality:-0.1;Size:-0.0;Momentum:+0.6;LowVol:-0.2,,5,25,6.6,hard 12%,190,31.7,Bull,12.5,4.47,3.1,88,79,91,50,true,Reduce,"Cut high-beta by 2-3%, add cash",-9,-31,BrokerA,MKT,98,RegimeShift,Pause,Volatility spike and breadth deterioration,26,-59,32,5,false,Increase defensive factor exposure
P2020,Systematic,IRA,USD,2025-09-16,1285681,80884,1204797,1.0,57.2,34.4,0.4,8.0,AAPL:14.1%;AMZN:29.3%;VTI:29.3%;VOO:27.3%,US:61.2;EU:16.7;APAC:10.7;EM:8.6;Other:2.9,Value:+0.2;Growth:+0.5;Quality:+0.6;Size:+0.6;Momentum:-0.7;LowVol:0.0,MaxPos5%,6,35,5.1,hard 12%,168,17.6,Sideways,16.1,4.16,3.2,110,-23,39,51,false,Hedge,Add TLT +1% as duration hedge,9,-20,BrokerB,VWAP,96,None,None,Normal monitoring,42,-16,92,3,false,Increase defensive factor exposure
P2021,Active,Taxable,USD,2025-08-27,1107145,132039,975106,1.0,54.8,29.4,9.9,5.9,VTI:32.9%;BND:33.6%;TSLA:33.6%,US:67.3;EU:17.2;APAC:5.0;EM:6.9;Other:3.5,Value:+0.3;Growth:+1.0;Quality:-0.8;Size:-0.4;Momentum:+0.1;LowVol:-0.8,,5,30,4.8,trailing 8%,129,19.4,Volatile,26.6,5.32,2.4,167,-37,34,74,true,Hedge,Buy index puts 1% notional,31,-1,BrokerB,LMT,89,Drift>tolerance,Hedge,Allocation drift beyond policy bands,108,7,105,4,false,Tax-aware sells next window
P2022,Active,Taxable,USD,2025-10-25,1751757,166836,1584921,1.0,51.2,31.4,9.6,7.7,MSFT:26.6%;HYG:20.3%;TLT:26.6%;GLD:26.6%,US:59.1;EU:14.0;APAC:13.8;EM:9.4;Other:3.8,Value:+1.0;Growth:-0.8;Quality:-0.1;Size:+0.4;Momentum:-0.6;LowVol:-0.5,NoDerivatives,7,30,5.7,hard 12%,194,16.3,Bear,28.6,4.04,2.9,180,-84,5,73,true,Reduce,"Cut high-beta by 2-3%, add cash",25,7,BrokerC,MKT,97,VAR>budget,Reduce,Risk above budget threshold,95,-32,212,3,false,Within IPS guidelines
P2023,Opportunistic,IRA,USD,2024-10-02,1110245,90502,1019743,1.0,61.3,15.9,16.3,6.5,AAPL:17.5%;AMZN:20.3%;IEF:17.2%;HYG:20.6%;VOO:12.2%;TLT:12.2%,US:59.4;EU:13.5;APAC:13.6;EM:9.9;Other:3.7,Value:+0.8;Growth:+0.1;Quality:-0.6;Size:+0.4;Momentum:-0.3;LowVol:-0.6,,5,35,6.0,trailing 7%,177,28.7,Volatile,31.8,3.82,2.1,128,-57,25,75,true,Hedge,Buy index puts 1% notional,31,-27,BrokerD,VWAP,91,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,11,10,-17,4,false,Tax-aware sells next window
P2024,Systematic,Taxable,USD,2025-01-08,1081111,72492,1008619,1.0,58.1,31.8,3.4,6.7,QQQ:15.9%;TSLA:19.9%;BND:25.7%;VTI:16.9%;IEF:21.7%,US:72.0;EU:6.2;APAC:8.0;EM:10.1;Other:3.7,Value:-0.1;Growth:-0.7;Quality:+0.6;Size:-0.9;Momentum:0.0;LowVol:+1.0,MaxPos6%,7,35,5.9,trailing 8%,137,26.1,Bull,14.8,3.81,3.4,110,60,71,42,false,Hedge,Add TLT +1% as duration hedge,21,-4,BrokerA,MKT,94,None,None,Normal monitoring,-35,-20,25,5,false,Monitor dispersion and breadth
P2025,Active,Taxable,USD,2025-03-31,2147213,221704,1925509,1.0,66.5,25.5,1.7,6.3,VOO:25.0%;GLD:25.0%;VNQ:25.0%;QQQ:25.0%,US:59.7;EU:12.2;APAC:14.2;EM:9.0;Other:4.9,Value:-0.0;Growth:-0.1;Quality:+0.9;Size:+0.1;Momentum:-0.4;LowVol:-0.7,MaxPos6%;NoDerivatives,7,35,5.3,trailing 9%,136,17.7,Bull,14.6,3.71,2.5,104,3,53,43,false,Buy,Add to core equity +1%,-3,-1,BrokerA,LMT,99,None,None,Normal monitoring,-28,9,34,5,false,Increase defensive factor exposure
P2026,Hands-off,IRA,USD,2025-11-19,850193,51533,798660,1.0,56.9,16.7,16.6,9.8,GLD:31.1%;AMZN:18.7%;VNQ:31.1%;MSFT:19.1%,US:72.6;EU:14.6;APAC:6.3;EM:4.2;Other:2.4,Value:-0.8;Growth:+0.8;Quality:+0.5;Size:+0.2;Momentum:+0.5;LowVol:-0.8,MaxPos6%,8,30,3.3,hard 10%,160,18.6,Volatile,20.2,4.17,2.7,152,-29,50,45,false,Rebalance,Shift +1% to bonds from equity,22,-20,BrokerA,MKT,95,None,None,Normal monitoring,104,-47,68,5,false,Tighten stops on momentum names
P2027,Cautious,IRA,USD,2025-03-25,615960,95946,520014,1.0,48.0,33.6,4.3,14.1,VNQ:23.8%;AMZN:20.6%;MUB:16.7%;MSFT:15.2%;GLD:23.8%,US:69.4;EU:4.9;APAC:14.1;EM:6.9;Other:4.6,Value:-0.0;Growth:-0.0;Quality:-0.1;Size:-0.9;Momentum:-0.1;LowVol:-0.3,NoDerivatives;NoMargin,8,25,5.0,trailing 10%,114,19.9,Sideways,18.9,5.0,2.7,138,52,74,48,false,Rebalance,Shift +1% to bonds from equity,21,-5,BrokerC,LMT,95,None,None,Normal monitoring,92,-41,129,4,false,Within IPS guidelines
P2028,Cautious,Taxable,USD,2025-04-28,887621,125366,762255,1.0,46.3,41.0,0.0,12.7,AMZN:25.0%;QQQ:25.0%;XLF:25.0%;TLT:25.0%,US:68.4;EU:12.2;APAC:8.4;EM:7.8;Other:3.2,Value:+0.6;Growth:+0.6;Quality:+0.7;Size:-0.4;Momentum:+0.5;LowVol:-0.5,ESGOnly;NoMargin,6,30,4.0,trailing 8%,149,12.5,Sideways,21.9,4.47,2.5,134,20,69,59,true,Hedge,Buy index puts 1% notional,13,-31,BrokerA,MKT,95,Drift>tolerance,Pause,Allocation drift beyond policy bands,32,-47,117,3,false,Increase defensive factor exposure
P2029,Cautious,Trust,USD,2025-07-13,459079,41034,418045,1.0,48.9,31.2,4.6,15.4,BRK.B:23.5%;QQQ:13.0%;TSLA:23.5%;AMZN:17.2%;MUB:22.8%,US:69.2;EU:5.8;APAC:14.0;EM:6.1;Other:4.9,Value:-1.0;Growth:+0.6;Quality:-0.9;Size:+0.8;Momentum:+0.7;LowVol:+0.9,ESGOnly;MaxPos8%;NoMargin,8,30,4.6,trailing 8%,118,19.8,Bear,32.7,3.31,2.5,183,-10,40,72,true,Hedge,Buy index puts 1% notional,2,10,BrokerB,MKT,98,Drift>tolerance,Pause,Allocation drift beyond policy bands,-13,15,120,4,false,Tighten stops on momentum names
P2030,Hands-off,Taxable,USD,2025-02-18,555050,47798,507252,1.0,73.3,19.9,0.0,6.8,VNQ:33.1%;BND:33.5%;GLD:33.5%,US:52.1;EU:19.6;APAC:15.5;EM:11.9;Other:0.8,Value:+0.9;Growth:+0.6;Quality:+0.9;Size:+1.0;Momentum:-0.9;LowVol:+0.2,ESGOnly;MaxPos8%,10,25,4.7,hard 10%,130,12.7,Bull,14.2,4.63,3.0,79,10,59,58,false,Rebalance,Shift +1% to bonds from equity,13,-18,BrokerB,VWAP,92,None,None,Normal monitoring,40,-17,102,5,false,Within IPS guidelines
P2031,Opportunistic,Taxable,USD,2025-05-17,1133122,67039,1066083,1.0,73.9,13.7,4.4,8.1,TLT:14.6%;GLD:24.2%;VTI:24.2%;VNQ:24.2%;TSLA:12.9%,US:55.2;EU:20.2;APAC:13.0;EM:6.3;Other:5.3,Value:+0.4;Growth:-0.1;Quality:-0.8;Size:-0.2;Momentum:-0.2;LowVol:-0.9,,6,25,5.5,trailing 9%,186,29.3,Volatile,25.9,5.48,2.4,126,45,86,81,true,Reduce,"Cut high-beta by 2-3%, add cash",13,0,BrokerB,LMT,86,VAR>budget,TightenStops,Risk above budget threshold,43,-13,114,3,false,Tighten stops on momentum names
P2032,Active,Taxable,USD,2024-12-24,1730432,200724,1529708,1.0,63.8,28.4,0.0,7.9,MUB:28.4%;VTI:28.4%;QQQ:16.9%;BND:26.4%,US:68.0;EU:9.6;APAC:10.4;EM:8.2;Other:3.8,Value:+0.8;Growth:-0.1;Quality:-0.1;Size:-0.8;Momentum:+0.6;LowVol:-0.4,,7,25,5.0,hard 12%,154,26.9,Sideways,21.9,3.99,2.9,124,18,67,60,false,Sell,Trim extended winner -1%,26,-20,BrokerD,MKT,88,None,None,Normal monitoring,-13,-9,70,3,false,Within IPS guidelines
P2033,Cautious,Taxable,USD,2025-06-11,186748,26814,159934,1.0,36.7,39.2,8.4,15.7,TLT:25.3%;TSLA:25.3%;AAPL:25.3%;VTI:24.2%,US:70.8;EU:5.8;APAC:11.4;EM:9.9;Other:2.1,Value:+0.8;Growth:+0.5;Quality:-0.5;Size:+0.4;Momentum:+0.9;LowVol:+0.7,ESGOnly;NoMargin,6,35,4.1,trailing 8%,110,16.7,Bull,12.6,4.29,2.2,119,17,54,28,false,Rebalance,Shift +1% to bonds from equity,13,-31,BrokerC,VWAP,92,None,None,Normal monitoring,79,2,100,3,false,Increase defensive factor exposure
P2034,Systematic,IRA,USD,2025-09-29,709498,43338,666160,1.0,65.9,23.7,0.5,9.9,IEF:33.3%;HYG:33.3%;BND:33.3%,US:62.7;EU:17.4;APAC:12.5;EM:5.6;Other:1.7,Value:-0.5;Growth:+0.8;Quality:+0.1;Size:0.0;Momentum:-0.3;LowVol:+0.6,,8,25,4.4,trailing 8%,149,27.5,Volatile,31.4,4.11,3.5,129,69,72,87,true,Rebalance,Rebalance back to target bands,9,-38,BrokerA,MKT,86,VAR>budget,Hedge,Risk above budget threshold,-39,-48,-18,5,true,Tighten stops on momentum names
P2035,Hands-off,Roth,USD,2024-10-03,347946,29021,318925,1.0,67.0,18.9,8.8,5.3,VOO:26.8%;AMZN:19.7%;HYG:26.8%;MSFT:26.8%,US:63.8;EU:16.1;APAC:9.8;EM:9.4;Other:0.9,Value:+0.8;Growth:-0.6;Quality:-0.5;Size:-0.3;Momentum:+1.0;LowVol:-0.5,ESGOnly;NoDerivatives,6,25,5.1,trailing 10%,142,17.0,Sideways,16.8,4.34,3.2,114,25,65,56,false,Rebalance,Shift +1% to bonds from equity,-15,5,BrokerC,VWAP,95,None,None,Normal monitoring,82,-38,192,3,false,Monitor dispersion and breadth
P2036,Opportunistic,Taxable,USD,2025-10-12,1013017,56486,956531,1.14,61.7,15.2,17.3,5.7,XLF:9.3%;VTI:24.2%;GLD:24.2%;AAPL:18.1%;VNQ:24.2%,US:69.2;EU:9.5;APAC:9.7;EM:9.8;Other:1.9,Value:-0.7;Growth:0.0;Quality:+0.9;Size:+0.7;Momentum:-0.3;LowVol:+0.6,NoDerivatives,7,30,4.8,trailing 7%,180,25.8,Bull,17.2,3.99,3.4,76,86,87,55,false,Rebalance,Shift +1% to bonds from equity,19,-12,BrokerB,MKT,99,None,None,Normal monitoring,-52,-23,53,3,false,Tax-aware sells next window
P2037,Active,IRA,USD,2025-06-03,1978302,215520,1762782,1.0,53.7,23.5,14.4,8.3,XLF:21.4%;BRK.B:21.4%;AMZN:20.7%;TSLA:15.0%;IEF:21.4%,US:64.8;EU:13.8;APAC:8.1;EM:12.5;Other:0.9,Value:+0.5;Growth:-0.1;Quality:+0.6;Size:-0.5;Momentum:-1.0;LowVol:+0.9,,10,35,5.7,trailing 9%,189,23.4,Volatile,30.3,5.43,4.0,175,43,80,70,false,Hedge,Add TLT +1% as duration hedge,29,6,BrokerB,MKT,90,None,None,Normal monitoring,58,-6,162,4,false,Increase defensive factor exposure
P2038,Active,Trust,USD,2025-10-17,1775558,116740,1658818,1.0,55.5,24.6,11.4,8.5,MUB:22.0%;BND:22.0%;VTI:17.6%;AAPL:16.3%;VNQ:22.0%,US:65.0;EU:7.4;APAC:15.4;EM:7.9;Other:4.3,Value:-0.8;Growth:-0.1;Quality:-0.4;Size:-0.2;Momentum:-0.9;LowVol:+0.8,,8,30,5.4,hard 12%,220,17.3,Volatile,30.8,4.59,2.9,137,-59,23,77,true,Hedge,Buy index puts 1% notional,-6,-36,BrokerD,MKT,96,Drift>tolerance,Pause,Allocation drift beyond policy bands,43,-13,151,5,false,Tighten stops on momentum names
P2039,Active,IRA,USD,2024-11-30,1765671,118142,1647529,1.17,54.8,21.1,17.2,6.9,XLF:37.2%;QQQ:25.6%;IEF:37.2%,US:67.0;EU:9.7;APAC:11.9;EM:7.2;Other:4.2,Value:+1.0;Growth:+0.9;Quality:-0.2;Size:-0.1;Momentum:+0.9;LowVol:0.0,,7,30,4.4,trailing 8%,188,20.2,Bull,17.6,4.22,2.7,75,96,100,42,false,Sell,Trim extended winner -1%,2,-36,BrokerC,LMT,97,None,None,Normal monitoring,-45,10,-22,4,false,Monitor dispersion and breadth
P2040,Active,Roth,USD,2024-08-23,2357128,221408,2135720,1.0,62.1,24.3,7.3,6.3,AAPL:27.2%;MUB:27.2%;BRK.B:18.4%;HYG:27.2%,US:66.9;EU:11.0;APAC:8.7;EM:10.1;Other:3.3,Value:-0.5;Growth:+0.3;Quality:+0.2;Size:-0.2;Momentum:-0.8;LowVol:0.0,MaxPos5%;NoDerivatives,5,35,5.5,hard 12%,127,26.8,Bull,16.4,4.01,3.2,99,21,53,53,false,Rebalance,Shift +1% to bonds from equity,19,-21,BrokerC,MKT,88,None,None,Normal monitoring,48,-59,126,4,false,Within IPS guidelines
P2041,Active,Taxable,USD,2024-10-22,2485989,230234,2255755,1.2,52.4,24.2,13.7,9.6,GLD:30.4%;QQQ:21.8%;TLT:17.5%;TSLA:30.4%,US:60.3;EU:17.6;APAC:8.2;EM:11.5;Other:2.4,Value:-0.9;Growth:-0.4;Quality:-0.8;Size:-0.0;Momentum:-0.5;LowVol:+0.2,NoDerivatives,5,35,5.5,trailing 9%,149,23.6,Bull,14.5,4.18,2.0,90,115,100,40,false,Rebalance,Shift +1% to bonds from equity,-11,-36,BrokerC,MKT,92,None,None,Normal monitoring,-56,-9,-70,3,false,Within IPS guidelines
P2042,Active,Taxable,USD,2025-07-09,755597,59981,695616,1.0,64.6,19.4,8.1,7.8,HYG:12.3%;BND:20.5%;VNQ:21.0%;VTI:8.7%;BRK.B:20.0%;TLT:17.6%,US:68.9;EU:18.9;APAC:7.2;EM:3.2;Other:1.9,Value:-0.7;Growth:-0.3;Quality:-0.8;Size:+0.8;Momentum:-0.9;LowVol:+0.1,,7,25,4.6,trailing 8%,201,23.4,Bull,14.5,4.0,3.5,113,83,93,43,false,Rebalance,Shift +1% to bonds from equity,22,-21,BrokerD,MKT,94,None,None,Normal monitoring,-29,-53,4,3,false,Increase defensive factor exposure
P2043,Cautious,401k,USD,2025-05-08,559481,66882,492599,1.0,43.0,31.6,13.7,11.7,HYG:33.3%;MSFT:33.3%;QQQ:33.3%,US:66.4;EU:11.1;APAC:16.4;EM:5.7;Other:0.5,Value:+0.8;Growth:-0.5;Quality:+0.7;Size:+0.2;Momentum:+0.7;LowVol:-0.4,ESGOnly;NoMargin,6,35,3.7,trailing 10%,130,19.8,Bull,16.1,3.54,2.5,108,95,85,46,false,Rebalance,Shift +1% to bonds from equity,-4,-35,BrokerB,LMT,96,None,None,Normal monitoring,-58,-6,17,5,false,Tighten stops on momentum names
P2044,Cautious,Trust,USD,2024-12-31,672998,105524,567474,1.0,48.9,33.2,3.9,14.1,MSFT:33.3%;IEF:33.3%;BND:33.3%,US:73.4;EU:13.2;APAC:7.2;EM:5.8;Other:0.4,Value:-0.6;Growth:-0.7;Quality:-0.9;Size:-0.8;Momentum:+0.3;LowVol:-0.3,NoMargin,10,35,4.9,trailing 8%,130,19.8,Volatile,24.6,4.07,4.0,148,-28,26,54,false,Rebalance,Shift +1% to bonds from equity,24,-36,BrokerC,LMT,98,None,None,Normal monitoring,111,-34,143,5,false,Tighten stops on momentum names
P2045,Active,Trust,USD,2025-06-04,2151683,168758,1982925,1.18,66.6,24.0,4.0,5.4,VNQ:33.3%;AAPL:33.3%;MUB:33.3%,US:66.8;EU:7.2;APAC:13.5;EM:10.9;Other:1.6,Value:-0.1;Growth:+0.7;Quality:+0.4;Size:+0.6;Momentum:0.0;LowVol:-0.8,NoDerivatives,10,35,6.0,trailing 8%,142,18.7,Bull,17.0,3.77,2.0,115,55,69,63,false,Rebalance,Shift +1% to bonds from equity,-7,-33,BrokerA,MKT,86,None,None,Normal monitoring,-38,-8,-78,4,false,Monitor dispersion and breadth
P2046,Cautious,IRA,USD,2025-08-10,408981,62343,346638,1.0,49.9,34.0,0.0,16.1,AMZN:21.8%;TSLA:13.3%;XLF:8.9%;BRK.B:14.1%;TLT:19.9%;HYG:21.8%,US:64.6;EU:14.4;APAC:10.3;EM:6.9;Other:3.8,Value:+0.2;Growth:-0.3;Quality:+0.6;Size:+0.1;Momentum:-0.4;LowVol:+1.0,NoMargin,7,30,5.6,trailing 8%,142,16.1,Bull,11.2,4.81,2.5,82,38,58,31,false,Rebalance,Shift +1% to bonds from equity,22,-40,BrokerD,LMT,97,None,None,Normal monitoring,107,0,107,5,false,Monitor dispersion and breadth
P2047,Opportunistic,IRA,USD,2025-11-23,1421061,50061,1371000,1.0,72.2,14.1,8.2,5.5,MSFT:33.3%;MUB:33.3%;BND:33.3%,US:64.5;EU:11.8;APAC:9.3;EM:11.5;Other:2.9,Value:-0.2;Growth:-0.4;Quality:+0.6;Size:-0.5;Momentum:-0.3;LowVol:-0.1,MaxPos6%,5,25,6.8,trailing 7%,242,33.6,Volatile,30.3,3.51,3.1,168,11,68,75,true,Hedge,Buy index puts 1% notional,20,0,BrokerC,MKT,94,VAR>budget,TightenStops,Risk above budget threshold,-26,11,67,2,false,Within IPS guidelines
P2048,Active,Taxable,USD,2025-12-22,1386953,123171,1263782,1.0,50.2,26.4,15.5,7.9,AMZN:15.9%;MSFT:22.7%;XLF:23.2%;AAPL:23.2%;IEF:14.9%,US:72.2;EU:8.0;APAC:6.2;EM:9.6;Other:4.1,Value:-0.6;Growth:+0.6;Quality:+0.7;Size:-0.4;Momentum:-0.2;LowVol:+0.1,MaxPos6%;NoDerivatives,6,35,4.6,trailing 8%,222,22.8,Bull,15.4,3.94,2.5,98,42,82,34,false,Sell,Trim extended winner -1%,28,-10,BrokerB,LMT,91,None,None,Normal monitoring,-46,-21,-31,3,false,Increase defensive factor exposure
P2049,Opportunistic,IRA,USD,2025-04-20,505226,38608,466618,1.0,65.2,14.2,15.3,5.3,AMZN:25.5%;VTI:25.5%;BND:23.6%;TSLA:25.5%,US:61.8;EU:17.3;APAC:9.1;EM:8.1;Other:3.8,Value:+0.4;Growth:+0.2;Quality:-0.5;Size:+0.4;Momentum:+0.7;LowVol:-0.1,MaxPos5%,7,30,4.7,trailing 7%,246,34.6,Bear,30.0,4.41,2.6,188,-25,35,77,true,Hedge,Buy index puts 1% notional,14,-8,BrokerD,LMT,100,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-20,-26,48,3,false,Increase defensive factor exposure
P2050,Hands-off,Taxable,USD,2025-09-13,425495,22590,402905,1.0,57.2,22.1,15.1,5.7,XLF:15.4%;AMZN:28.2%;BRK.B:28.2%;TLT:28.2%,US:74.3;EU:7.0;APAC:7.6;EM:6.3;Other:4.8,Value:-0.6;Growth:+0.3;Quality:-0.7;Size:+0.9;Momentum:-0.7;LowVol:-0.6,ESGOnly;MaxPos5%,5,35,5.4,trailing 8%,125,17.9,Bear,30.4,3.22,2.0,157,-22,52,84,true,Reduce,"Cut high-beta by 2-3%, add cash",27,13,BrokerB,MKT,88,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,94,-28,146,2,false,Monitor dispersion and breadth
P2051,Active,Roth,USD,2025-07-19,921241,100871,820370,1.0,50.6,27.6,16.1,5.7,VNQ:14.0%;IEF:18.2%;QQQ:20.2%;VOO:19.2%;GLD:14.6%;AAPL:13.8%,US:60.6;EU:17.3;APAC:8.2;EM:10.5;Other:3.4,Value:+0.1;Growth:-0.6;Quality:+0.9;Size:-0.5;Momentum:+0.3;LowVol:-0.8,MaxPos7%,10,25,4.5,trailing 9%,210,24.4,Bull,17.0,4.5,2.5,93,54,63,41,false,Rebalance,Shift +1% to bonds from equity,-12,-40,BrokerD,VWAP,94,None,None,Normal monitoring,109,3,165,4,false,Tighten stops on momentum names
P2052,Active,Taxable,USD,2024-10-30,726406,83524,642882,1.0,69.9,21.2,0.3,8.5,BRK.B:16.4%;AAPL:21.5%;MSFT:19.1%;TLT:21.5%;QQQ:21.5%,US:65.4;EU:15.2;APAC:13.3;EM:4.5;Other:1.6,Value:+1.0;Growth:+0.1;Quality:+0.8;Size:+0.1;Momentum:+0.5;LowVol:-0.2,NoDerivatives,5,35,4.3,trailing 9%,120,26.0,Sideways,17.4,3.61,2.5,105,19,59,65,false,Rebalance,Shift +1% to bonds from equity,21,-29,BrokerB,VWAP,91,None,None,Normal monitoring,107,-7,163,3,false,Tighten stops on momentum names
P2053,Cautious,Trust,USD,2025-09-26,223772,19010,204762,1.0,48.7,32.2,4.5,14.5,MSFT:22.0%;HYG:15.6%;TSLA:22.0%;IEF:22.0%;QQQ:7.7%;VOO:10.5%,US:65.3;EU:10.5;APAC:11.8;EM:12.1;Other:0.4,Value:-0.1;Growth:-0.3;Quality:+0.1;Size:-0.9;Momentum:+0.4;LowVol:-0.9,NoDerivatives;NoMargin,5,35,4.4,trailing 10%,112,18.0,Bull,16.8,4.55,3.2,87,103,87,50,false,Rebalance,Shift +1% to bonds from equity,-10,-28,BrokerD,LMT,85,None,None,Normal monitoring,119,19,133,3,false,Monitor dispersion and breadth
P2054,Opportunistic,401k,USD,2025-07-20,1774478,122756,1651722,1.25,62.9,16.3,14.7,6.0,QQQ:32.6%;GLD:33.7%;IEF:33.7%,US:75.4;EU:7.8;APAC:7.8;EM:5.0;Other:4.0,Value:-0.2;Growth:-0.2;Quality:-0.2;Size:+0.2;Momentum:-0.6;LowVol:+0.5,,10,35,6.9,trailing 7%,217,28.4,Sideways,19.8,3.84,3.4,122,51,62,49,false,NoAction,Within bands; monitor,32,-9,BrokerD,LMT,98,None,None,Normal monitoring,6,-49,-17,4,false,Tighten stops on momentum names
P2055,Cautious,IRA,USD,2025-10-22,258752,27097,231655,1.0,37.3,40.3,4.8,17.6,TSLA:22.7%;VNQ:18.2%;QQQ:22.7%;BRK.B:22.7%;XLF:13.5%,US:62.2;EU:14.6;APAC:7.2;EM:11.0;Other:5.0,Value:+0.8;Growth:+0.6;Quality:0.0;Size:+0.7;Momentum:-0.2;LowVol:+0.3,ESGOnly;NoDerivatives;NoMargin,5,25,3.1,trailing 8%,151,12.5,Sideways,16.6,4.56,3.1,98,-14,34,41,true,Rebalance,Rebalance back to target bands,0,-10,BrokerD,MKT,94,RegimeShift,Hedge,Volatility spike and breadth deterioration,91,-25,224,2,false,Tighten stops on momentum names
P2056,Hands-off,Taxable,USD,2024-12-11,445180,19589,425591,1.0,58.9,26.1,7.0,8.0,QQQ:28.2%;BRK.B:15.4%;AMZN:28.2%;TLT:28.2%,US:74.9;EU:13.1;APAC:6.3;EM:4.4;Other:1.2,Value:+0.5;Growth:+0.1;Quality:+0.9;Size:+0.6;Momentum:-0.9;LowVol:+0.4,MaxPos6%,8,35,3.5,hard 10%,152,17.0,Volatile,26.6,3.74,2.2,173,-50,40,63,true,Reduce,"Cut high-beta by 2-3%, add cash",-7,-1,BrokerB,LMT,95,Drift>tolerance,Hedge,Allocation drift beyond policy bands,22,-46,98,4,false,Increase defensive factor exposure
P2057,Systematic,401k,USD,2024-11-13,411540,36513,375027,1.0,60.7,30.3,0.0,9.0,MSFT:33.3%;AAPL:33.3%;TLT:33.3%,US:72.8;EU:6.3;APAC:9.0;EM:11.0;Other:0.8,Value:+0.4;Growth:-0.3;Quality:-0.9;Size:-0.8;Momentum:+0.5;LowVol:-0.3,,8,25,4.7,hard 12%,188,16.3,Bear,34.6,4.17,3.0,147,-48,26,89,true,Reduce,"Cut high-beta by 2-3%, add cash",-10,-29,BrokerC,LMT,100,RegimeShift,Pause,Volatility spike and breadth deterioration,12,-51,-28,5,false,Within IPS guidelines
P2058,Cautious,Taxable,USD,2024-11-08,330519,52807,277712,1.0,39.1,35.5,11.6,13.8,VNQ:25.0%;VTI:25.0%;QQQ:25.0%;XLF:25.0%,US:60.5;EU:13.2;APAC:14.1;EM:9.5;Other:2.8,Value:+0.8;Growth:-0.4;Quality:-0.5;Size:-0.9;Momentum:+0.1;LowVol:+0.4,NoMargin,10,35,5.9,hard 10%,115,16.4,Sideways,16.5,3.57,2.0,137,-7,53,34,false,Buy,Add to core equity +1%,9,8,BrokerC,MKT,96,None,None,Normal monitoring,116,-10,76,4,false,Monitor dispersion and breadth
P2059,Active,IRA,USD,2025-11-22,1307790,113192,1194598,1.0,50.4,24.6,15.6,9.4,TLT:23.6%;BND:23.6%;TSLA:17.4%;AAPL:11.8%;VTI:23.6%,US:59.7;EU:11.1;APAC:15.2;EM:8.7;Other:5.4,Value:-0.3;Growth:+0.4;Quality:+0.2;Size:+0.2;Momentum:+0.4;LowVol:+0.9,MaxPos8%,6,35,6.0,trailing 8%,135,24.5,Bull,15.1,3.55,2.6,110,21,70,44,false,Rebalance,Shift +1% to bonds from equity,9,-29,BrokerA,VWAP,95,None,None,Normal monitoring,58,-51,159,4,false,Monitor dispersion and breadth
P2060,Opportunistic,Roth,USD,2025-03-11,366225,28222,338003,1.14,70.9,10.3,13.8,5.0,QQQ:23.5%;VOO:23.5%;GLD:23.5%;MUB:18.8%;AMZN:10.8%,US:62.6;EU:15.2;APAC:10.9;EM:9.7;Other:1.6,Value:-0.6;Growth:-0.9;Quality:+0.6;Size:+0.9;Momentum:+0.7;LowVol:+1.0,MaxPos5%,5,25,5.8,trailing 7%,243,27.7,Sideways,21.5,4.73,2.8,124,8,51,64,false,Rebalance,Shift +1% to bonds from equity,1,-17,BrokerD,MKT,86,None,None,Normal monitoring,-36,19,55,3,false,Monitor dispersion and breadth
P2061,Opportunistic,401k,USD,2025-10-01,691286,27953,663333,1.0,65.8,14.0,13.0,7.1,VNQ:24.1%;TLT:17.1%;XLF:13.6%;IEF:21.2%;BRK.B:24.1%,US:59.9;EU:17.1;APAC:13.6;EM:6.9;Other:2.5,Value:-0.0;Growth:-0.1;Quality:-0.3;Size:+0.2;Momentum:+0.4;LowVol:-0.9,,7,30,4.8,trailing 7%,238,33.1,Volatile,27.8,4.5,4.2,112,52,89,67,false,NoAction,Within bands; monitor,5,12,BrokerB,LMT,93,None,None,Normal monitoring,13,-53,64,5,false,Monitor dispersion and breadth
P2062,Hands-off,Taxable,USD,2025-08-21,505808,31400,474408,1.0,64.4,28.1,0.0,7.5,IEF:21.9%;QQQ:21.9%;VTI:9.8%;MUB:7.5%;MSFT:16.9%;AMZN:21.9%,US:66.2;EU:12.8;APAC:11.2;EM:5.7;Other:4.1,Value:+0.2;Growth:-0.2;Quality:-0.8;Size:-0.4;Momentum:0.0;LowVol:-0.9,ESGOnly;MaxPos8%;NoDerivatives,5,35,3.1,hard 10%,159,18.9,Bull,12.5,3.77,3.3,102,99,100,47,false,Rebalance,Shift +1% to bonds from equity,30,-17,BrokerA,MKT,96,None,None,Normal monitoring,109,-35,135,3,false,Increase defensive factor exposure
P2063,Active,Trust,USD,2024-09-10,1124754,117729,1007025,1.0,51.9,21.8,20.0,6.3,QQQ:33.3%;MUB:33.3%;VTI:33.3%,US:66.9;EU:12.7;APAC:13.6;EM:6.4;Other:0.4,Value:-0.6;Growth:-0.2;Quality:+0.8;Size:-0.1;Momentum:-1.0;LowVol:-0.1,MaxPos5%,10,30,4.2,trailing 9%,174,27.8,Bull,17.1,4.33,3.5,72,20,52,54,false,NoAction,Within bands; monitor,31,-35,BrokerA,MKT,0,None,None,Normal monitoring,69,-18,135,5,false,Monitor dispersion and breadth
P2064,Systematic,Trust,USD,2025-05-27,1129477,86644,1042833,1.0,69.3,20.2,2.7,7.8,QQQ:33.3%;IEF:33.3%;AAPL:33.3%,US:60.1;EU:17.6;APAC:7.8;EM:10.1;Other:4.3,Value:-0.9;Growth:+0.2;Quality:+0.9;Size:-0.2;Momentum:-0.1;LowVol:+0.1,,10,30,4.0,trailing 9%,122,18.9,Bear,29.1,3.32,2.4,192,-73,28,82,true,Hedge,Buy index puts 1% notional,31,-23,BrokerB,LMT,86,Drift>tolerance,Reduce,Allocation drift beyond policy bands,49,-31,96,2,false,Monitor dispersion and breadth
P2065,Active,Trust,USD,2024-10-08,1421058,122345,1298713,1.0,65.3,28.3,0.2,6.2,VNQ:21.1%;XLF:8.7%;QQQ:21.1%;IEF:20.9%;AMZN:7.1%;BRK.B:21.1%,US:66.3;EU:15.3;APAC:11.5;EM:4.8;Other:2.2,Value:+0.4;Growth:-0.0;Quality:+0.7;Size:-0.8;Momentum:+0.6;LowVol:-0.8,,7,35,5.1,trailing 9%,198,18.0,Bull,12.0,3.73,2.1,72,60,69,49,false,Rebalance,Shift +1% to bonds from equity,0,15,BrokerB,LMT,91,None,None,Normal monitoring,119,-47,152,3,false,Tax-aware sells next window
P2066,Hands-off,401k,USD,2025-02-03,839101,76978,762123,1.0,57.4,20.1,12.7,9.8,MSFT:25.3%;TSLA:27.5%;BND:27.5%;VOO:19.8%,US:63.2;EU:17.4;APAC:11.0;EM:5.2;Other:3.3,Value:-1.0;Growth:+0.9;Quality:-0.1;Size:+0.2;Momentum:+0.4;LowVol:+0.1,ESGOnly,5,35,3.4,trailing 10%,144,12.1,Sideways,14.5,4.33,2.8,130,-23,43,45,false,Buy,Add to core equity +1%,-13,-36,BrokerC,MKT,87,None,None,Normal monitoring,-32,-47,-66,4,false,Tax-aware sells next window
P2067,Systematic,Roth,USD,2025-11-11,752072,35243,716829,1.0,58.4,23.7,8.5,9.3,MUB:33.1%;VNQ:33.5%;XLF:33.5%,US:64.9;EU:16.6;APAC:11.1;EM:4.8;Other:2.5,Value:+0.9;Growth:-0.5;Quality:-0.5;Size:+0.8;Momentum:+0.2;LowVol:-0.2,,5,25,4.6,hard 12%,229,23.5,Sideways,14.8,3.67,2.1,132,-2,48,36,true,Hedge,Buy index puts 1% notional,11,11,BrokerB,MKT,98,VAR>budget,Hedge,Risk above budget threshold,12,8,114,5,false,Tighten stops on momentum names
P2068,Opportunistic,401k,USD,2024-07-26,689143,24144,664999,1.0,72.2,19.6,0.0,8.2,BND:22.9%;IEF:22.9%;VOO:8.9%;BRK.B:22.9%;MSFT:22.5%,US:67.7;EU:9.5;APAC:13.8;EM:5.9;Other:3.1,Value:+0.4;Growth:+0.8;Quality:-0.6;Size:+0.3;Momentum:-0.7;LowVol:-0.1,,5,25,4.7,trailing 9%,217,27.9,Volatile,23.9,4.18,2.0,163,-17,34,78,true,Rebalance,Rebalance back to target bands,24,4,BrokerA,MKT,95,VAR>budget,TightenStops,Risk above budget threshold,74,-36,182,5,false,Increase defensive factor exposure
P2069,Systematic,IRA,USD,2025-09-24,1690760,84071,1606689,1.0,58.2,20.2,15.4,6.2,AAPL:22.4%;HYG:17.3%;VNQ:21.4%;VOO:16.4%;TLT:22.4%,US:64.4;EU:14.2;APAC:12.3;EM:7.6;Other:1.5,Value:-0.9;Growth:-0.7;Quality:-0.5;Size:+0.6;Momentum:-0.7;LowVol:+0.9,,8,30,5.6,trailing 8%,221,26.9,Volatile,20.1,4.74,4.2,175,-20,42,49,false,Rebalance,Shift +1% to bonds from equity,19,3,BrokerD,LMT,91,None,None,Normal monitoring,119,6,81,4,false,Increase defensive factor exposure
P2070,Active,IRA,USD,2025-11-12,1654496,127161,1527335,1.0,64.2,19.7,10.4,5.7,HYG:17.3%;GLD:27.6%;TLT:27.6%;VNQ:27.6%,US:68.5;EU:12.9;APAC:10.2;EM:8.3;Other:0.0,Value:-0.1;Growth:-0.4;Quality:+0.2;Size:-0.7;Momentum:+0.4;LowVol:+0.6,,7,30,5.1,hard 12%,167,25.8,Bear,23.5,3.36,2.7,199,30,70,64,false,Rebalance,Shift +1% to bonds from equity,9,-13,BrokerB,LMT,90,None,None,Normal monitoring,-19,-47,0,4,false,Tax-aware sells next window
P2071,Systematic,IRA,USD,2024-12-19,1074503,105342,969161,1.0,66.9,25.5,1.7,5.9,XLF:17.4%;GLD:27.5%;VNQ:27.5%;QQQ:27.5%,US:62.7;EU:9.9;APAC:11.9;EM:11.5;Other:3.9,Value:-0.6;Growth:0.0;Quality:-0.2;Size:-0.1;Momentum:-0.1;LowVol:-0.0,MaxPos6%,10,25,5.8,hard 12%,186,26.6,Bull,12.9,4.15,3.4,81,15,48,53,false,Hedge,Add TLT +1% as duration hedge,28,-7,BrokerB,MKT,85,None,None,Normal monitoring,53,-18,140,4,false,Tax-aware sells next window
P2072,Opportunistic,Trust,USD,2025-07-18,404101,36346,367755,1.0,60.5,11.8,19.8,7.9,MSFT:21.7%;IEF:17.7%;MUB:13.3%;HYG:14.3%;TSLA:11.2%;VNQ:21.7%,US:66.6;EU:17.2;APAC:11.5;EM:3.9;Other:0.8,Value:+0.9;Growth:-0.1;Quality:-0.4;Size:-1.0;Momentum:-0.1;LowVol:+0.8,NoDerivatives,8,30,6.3,hard 12%,227,22.2,Sideways,15.2,4.36,3.4,134,-9,57,46,false,Rebalance,Shift +1% to bonds from equity,9,-4,BrokerB,MKT,89,None,None,Normal monitoring,-48,-12,30,4,false,Increase defensive factor exposure
P2073,Opportunistic,Trust,USD,2025-12-25,1604119,75404,1528715,1.07,68.9,16.8,8.2,6.1,AMZN:25.3%;BND:25.3%;HYG:24.0%;AAPL:25.3%,US:61.5;EU:12.0;APAC:12.1;EM:10.3;Other:4.2,Value:-0.7;Growth:+0.7;Quality:-0.7;Size:-0.9;Momentum:-0.6;LowVol:+0.1,,6,35,6.8,trailing 9%,183,33.5,Bull,15.5,4.76,2.3,77,41,85,55,false,Rebalance,Shift +1% to bonds from equity,-10,-28,BrokerB,MKT,93,None,None,Normal monitoring,86,-54,108,5,false,Tighten stops on momentum names
P2074,Cautious,IRA,USD,2024-12-30,203531,32267,171264,1.0,42.5,44.1,0.5,13.0,QQQ:23.9%;TLT:18.5%;BRK.B:21.7%;TSLA:12.0%;AMZN:23.9%,US:56.4;EU:16.8;APAC:13.4;EM:10.9;Other:2.5,Value:-0.7;Growth:+0.7;Quality:-0.9;Size:-0.5;Momentum:-0.7;LowVol:+1.0,NoMargin,7,30,3.8,hard 10%,118,19.7,Volatile,29.1,3.74,4.1,133,62,89,56,true,Hedge,Buy index puts 1% notional,16,-12,BrokerB,LMT,91,VAR>budget,TightenStops,Risk above budget threshold,-9,10,59,4,false,Tax-aware sells next window
P2075,Hands-off,IRA,USD,2024-11-11,407731,31910,375821,1.0,67.9,19.0,4.3,8.8,HYG:18.2%;QQQ:11.5%;VOO:20.2%;BND:18.8%;AAPL:19.7%;VNQ:11.6%,US:73.5;EU:13.3;APAC:6.1;EM:5.7;Other:1.5,Value:+0.5;Growth:-0.5;Quality:+0.3;Size:-0.8;Momentum:+0.1;LowVol:+1.0,ESGOnly;MaxPos8%,7,30,5.6,trailing 10%,142,14.7,Bull,17.8,4.35,2.1,108,21,73,51,false,Sell,Trim extended winner -1%,-12,-26,BrokerA,MKT,95,None,None,Normal monitoring,-46,-28,31,5,false,Within IPS guidelines
P2076,Active,Trust,USD,2024-11-26,500194,46874,453320,1.0,61.1,29.5,0.9,8.6,MSFT:25.4%;VOO:23.9%;IEF:25.4%;AMZN:25.4%,US:62.3;EU:17.2;APAC:13.6;EM:4.3;Other:2.6,Value:-0.3;Growth:0.0;Quality:-0.0;Size:-0.3;Momentum:+0.3;LowVol:-0.7,MaxPos8%,8,35,4.1,hard 12%,132,28.0,Bull,12.0,4.39,2.5,100,46,72,39,false,Rebalance,Shift +1% to bonds from equity,-9,-21,BrokerB,MKT,86,None,None,Normal monitoring,64,-60,142,5,false,Monitor dispersion and breadth
P2077,Opportunistic,Trust,USD,2025-02-18,1040473,50555,989918,1.19,73.8,18.7,0.0,7.5,QQQ:15.8%;XLF:22.2%;IEF:22.2%;VNQ:17.5%;VTI:22.2%,US:64.8;EU:15.2;APAC:12.9;EM:3.3;Other:3.8,Value:-0.2;Growth:+0.4;Quality:-0.6;Size:-0.3;Momentum:+0.4;LowVol:-0.2,,6,25,6.5,hard 12%,278,26.0,Bull,13.3,3.65,2.6,75,34,79,51,false,Hedge,Add TLT +1% as duration hedge,32,-9,BrokerA,MKT,86,None,None,Normal monitoring,72,-46,199,5,false,Tighten stops on momentum names
P2078,Active,Trust,USD,2025-07-24,1536611,131703,1404908,1.0,54.0,19.1,18.4,8.6,HYG:6.8%;MSFT:21.9%;XLF:6.9%;TSLA:22.0%;QQQ:20.4%;GLD:22.0%,US:63.5;EU:10.1;APAC:15.9;EM:5.9;Other:4.5,Value:+0.3;Growth:+0.6;Quality:-0.8;Size:-0.8;Momentum:+0.1;LowVol:+0.8,,10,35,5.3,hard 12%,137,25.4,Volatile,20.4,3.77,3.6,139,18,60,46,false,Rebalance,Shift +1% to bonds from equity,31,-10,BrokerC,MKT,87,None,None,Normal monitoring,54,-11,73,5,false,Within IPS guidelines
P2079,Active,Trust,USD,2025-04-26,1714794,160273,1554521,1.0,61.8,29.6,0.0,8.7,VOO:22.3%;TLT:15.1%;QQQ:21.2%;AAPL:22.3%;VNQ:19.1%,US:62.4;EU:10.2;APAC:12.3;EM:9.7;Other:5.4,Value:-0.7;Growth:+0.3;Quality:+0.9;Size:-0.5;Momentum:+0.2;LowVol:+0.8,MaxPos7%,6,25,4.1,trailing 9%,140,26.8,Bull,12.7,4.16,2.4,113,50,80,50,false,Rebalance,Shift +1% to bonds from equity,-8,-27,BrokerC,MKT,94,None,None,Normal monitoring,-44,-49,41,5,false,Tighten stops on momentum names
P2080,Systematic,401k,USD,2025-03-26,1065319,51195,1014124,1.0,63.5,31.5,0.0,5.0,GLD:22.9%;IEF:8.6%;AAPL:22.9%;MUB:22.7%;VTI:22.9%,US:68.1;EU:6.7;APAC:15.2;EM:9.4;Other:0.6,Value:-0.4;Growth:+0.9;Quality:+0.9;Size:+0.6;Momentum:+0.5;LowVol:+0.7,MaxPos8%,5,25,4.8,hard 12%,168,25.8,Volatile,20.3,3.74,4.3,119,36,58,55,false,Rebalance,Shift +1% to bonds from equity,-9,10,BrokerC,MKT,86,None,None,Normal monitoring,77,-39,159,4,false,Increase defensive factor exposure
P2081,Opportunistic,IRA,USD,2025-05-18,1259195,100287,1158908,1.0,70.6,10.6,12.8,5.9,BRK.B:25.0%;TSLA:25.0%;BND:25.0%;AMZN:25.0%,US:63.1;EU:11.1;APAC:14.2;EM:6.4;Other:5.3,Value:-0.4;Growth:+0.6;Quality:+0.3;Size:-0.8;Momentum:-0.3;LowVol:+0.9,,6,35,6.4,trailing 9%,193,20.0,Bull,11.3,3.77,3.0,71,112,100,35,false,Hedge,Add TLT +1% as duration hedge,19,2,BrokerD,LMT,98,None,None,Normal monitoring,32,-36,109,4,false,Monitor dispersion and breadth
P2082,Opportunistic,IRA,USD,2025-06-20,1716782,53376,1663406,1.12,74.0,19.9,0.0,6.1,XLF:18.1%;AAPL:18.7%;BRK.B:10.2%;IEF:20.5%;AMZN:13.8%;TLT:18.7%,US:58.2;EU:17.9;APAC:11.9;EM:7.5;Other:4.5,Value:-0.4;Growth:-0.8;Quality:+0.2;Size:+0.5;Momentum:-0.9;LowVol:+0.1,,10,35,4.8,trailing 7%,165,21.7,Bull,12.0,3.98,2.6,95,109,100,48,false,Buy,Add to core equity +1%,4,-31,BrokerD,MKT,96,None,None,Normal monitoring,34,-35,81,5,false,Monitor dispersion and breadth
P2083,Opportunistic,401k,USD,2025-06-22,1726786,100570,1626216,1.0,73.8,10.9,10.6,4.7,AMZN:13.3%;VTI:28.9%;AAPL:28.9%;IEF:28.9%,US:75.2;EU:6.7;APAC:9.5;EM:4.3;Other:4.2,Value:+0.3;Growth:+0.2;Quality:+0.4;Size:+0.9;Momentum:+0.6;LowVol:-0.7,MaxPos7%,5,35,5.4,trailing 7%,230,20.1,Sideways,18.5,4.43,3.1,93,-7,47,64,false,Buy,Add to core equity +1%,20,-36,BrokerC,LMT,87,None,None,Normal monitoring,-42,-11,-21,5,false,Monitor dispersion and breadth
P2084,Active,401k,USD,2025-08-30,533187,50730,482457,1.0,66.1,29.2,0.0,4.8,VNQ:33.3%;AMZN:33.3%;IEF:33.3%,US:57.4;EU:18.1;APAC:13.8;EM:8.4;Other:2.4,Value:-0.2;Growth:-0.0;Quality:-0.8;Size:-0.8;Momentum:-0.8;LowVol:-0.6,MaxPos6%;NoDerivatives,8,35,4.2,trailing 9%,169,22.1,Volatile,31.8,3.67,2.6,117,54,64,90,true,Reduce,"Cut high-beta by 2-3%, add cash",27,-33,BrokerB,VWAP,89,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,113,-27,178,5,false,Monitor dispersion and breadth
P2085,Hands-off,Roth,USD,2025-09-14,338897,24718,314179,1.0,69.0,21.4,0.0,9.6,AMZN:33.3%;VNQ:33.3%;MSFT:33.3%,US:67.5;EU:10.6;APAC:12.9;EM:6.1;Other:2.8,Value:+0.2;Growth:+0.3;Quality:+0.5;Size:-0.8;Momentum:-0.5;LowVol:-0.1,MaxPos5%,6,25,5.9,hard 10%,162,14.4,Volatile,23.3,3.67,2.0,131,-16,33,60,false,NoAction,Within bands; monitor,17,-37,BrokerB,LMT,87,None,None,Normal monitoring,40,-47,179,4,false,Increase defensive factor exposure
P2086,Active,Roth,USD,2024-11-02,506922,60106,446816,1.0,57.9,21.9,12.2,8.0,GLD:27.5%;MSFT:26.8%;IEF:18.2%;MUB:27.5%,US:66.6;EU:16.0;APAC:5.4;EM:10.3;Other:1.8,Value:-0.2;Growth:+0.6;Quality:+0.7;Size:+0.9;Momentum:+0.6;LowVol:-0.9,,6,35,4.9,trailing 9%,159,20.8,Bull,11.2,4.33,3.0,77,44,85,38,false,Rebalance,Shift +1% to bonds from equity,10,7,BrokerC,MKT,88,None,None,Normal monitoring,62,13,36,5,false,Monitor dispersion and breadth
P2087,Hands-off,Trust,USD,2024-07-22,821957,78218,743739,1.0,65.8,27.0,0.0,7.3,AMZN:20.9%;QQQ:20.9%;HYG:20.5%;BRK.B:18.7%;AAPL:19.0%,US:66.0;EU:15.1;APAC:5.6;EM:11.4;Other:2.0,Value:+0.2;Growth:+0.4;Quality:+0.3;Size:-1.0;Momentum:-0.8;LowVol:-0.7,ESGOnly;MaxPos6%,10,30,5.1,trailing 10%,116,14.8,Sideways,17.3,4.67,2.9,134,17,61,48,false,NoAction,Within bands; monitor,27,-16,BrokerC,MKT,0,None,None,Normal monitoring,50,-44,125,5,false,Increase defensive factor exposure
P2088,Opportunistic,IRA,USD,2025-04-14,820100,65129,754971,1.0,60.1,11.2,23.2,5.5,IEF:23.4%;HYG:20.6%;XLF:23.4%;BND:15.4%;TSLA:17.2%,US:59.6;EU:9.6;APAC:14.2;EM:13.3;Other:3.3,Value:+0.1;Growth:+1.0;Quality:-0.4;Size:-0.3;Momentum:-0.1;LowVol:+0.2,NoDerivatives,7,25,4.2,trailing 7%,251,31.5,Bull,15.7,4.08,3.1,117,67,71,42,false,Sell,Trim extended winner -1%,18,-39,BrokerD,MKT,87,None,None,Normal monitoring,-35,-52,-27,3,false,Tighten stops on momentum names
P2089,Hands-off,Trust,USD,2025-09-09,713065,57473,655592,1.0,60.2,21.6,12.7,5.5,IEF:27.8%;GLD:16.6%;AMZN:27.8%;VNQ:27.8%,US:70.6;EU:7.5;APAC:15.6;EM:5.7;Other:0.6,Value:-0.5;Growth:-1.0;Quality:-0.7;Size:-0.0;Momentum:+0.1;LowVol:+0.1,MaxPos6%,8,25,4.0,hard 10%,144,17.1,Volatile,25.8,3.9,3.3,176,71,97,71,true,Rebalance,Rebalance back to target bands,-4,8,BrokerA,LMT,97,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-42,-36,-22,3,false,Monitor dispersion and breadth
P2090,Opportunistic,401k,USD,2025-04-18,552942,39182,513760,1.21,63.0,17.4,13.8,5.7,MUB:22.7%;AAPL:29.6%;GLD:18.0%;AMZN:29.6%,US:68.1;EU:11.8;APAC:12.2;EM:6.6;Other:1.2,Value:+0.7;Growth:-0.3;Quality:+0.2;Size:+0.2;Momentum:+0.6;LowVol:-0.8,MaxPos6%,7,35,5.0,hard 12%,203,32.6,Bear,24.7,4.02,2.5,193,1,47,62,false,Buy,Add to core equity +1%,32,-29,BrokerA,MKT,96,None,None,Normal monitoring,22,-42,128,3,false,Tax-aware sells next window
P2091,Systematic,Roth,USD,2025-07-14,1361331,127117,1234214,1.0,61.6,29.7,0.0,8.7,VOO:10.3%;HYG:22.8%;MSFT:22.8%;XLF:10.7%;AAPL:10.4%;GLD:22.8%,US:75.5;EU:6.2;APAC:8.5;EM:9.7;Other:0.1,Value:+0.7;Growth:-0.7;Quality:+0.8;Size:+1.0;Momentum:-0.4;LowVol:-0.0,MaxPos8%;NoDerivatives,10,35,5.7,trailing 8%,205,23.6,Bull,12.7,3.6,2.0,102,33,67,39,false,Rebalance,Shift +1% to bonds from equity,26,6,BrokerA,MKT,97,None,None,Normal monitoring,13,-45,127,4,false,Tighten stops on momentum names
P2092,Hands-off,IRA,USD,2025-06-11,772284,65674,706610,1.0,68.9,22.9,0.0,8.2,TSLA:19.7%;HYG:22.4%;XLF:22.4%;QQQ:12.2%;IEF:6.9%;MSFT:16.5%,US:74.7;EU:10.3;APAC:8.6;EM:3.8;Other:2.6,Value:-0.2;Growth:0.0;Quality:+0.6;Size:-0.7;Momentum:+0.5;LowVol:+0.3,ESGOnly;MaxPos5%,8,30,3.1,hard 10%,94,16.3,Sideways,19.1,4.68,3.5,124,31,76,68,false,Buy,Add to core equity +1%,24,15,BrokerA,LMT,90,None,None,Normal monitoring,97,-50,68,5,false,Tax-aware sells next window
P2093,Opportunistic,IRA,USD,2025-11-05,1061047,85648,975399,1.23,68.2,15.5,9.0,7.3,QQQ:11.7%;AMZN:14.7%;AAPL:9.6%;IEF:18.7%;XLF:22.7%;TSLA:22.7%,US:69.4;EU:16.6;APAC:9.3;EM:2.9;Other:1.9,Value:-0.9;Growth:+0.3;Quality:-0.3;Size:+0.8;Momentum:+0.8;LowVol:-0.6,,6,35,5.7,trailing 9%,254,33.2,Volatile,22.5,3.67,2.9,137,-56,32,69,false,Sell,Trim extended winner -1%,8,2,BrokerD,LMT,96,None,None,Normal monitoring,25,8,19,3,false,Tax-aware sells next window
P2094,Cautious,IRA,USD,2025-10-15,655613,89571,566042,1.0,45.0,42.0,0.0,13.1,GLD:33.3%;MSFT:33.3%;VTI:33.3%,US:60.8;EU:16.6;APAC:9.4;EM:10.9;Other:2.3,Value:-0.5;Growth:+0.3;Quality:+0.5;Size:+0.1;Momentum:-0.9;LowVol:+0.9,MaxPos6%;NoMargin,6,25,3.0,trailing 8%,105,14.3,Bear,31.2,3.34,2.8,146,-3,50,75,true,Hedge,Buy index puts 1% notional,17,4,BrokerA,LMT,98,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-55,8,57,5,false,Tighten stops on momentum names
P2095,Hands-off,Roth,USD,2024-11-26,817907,47776,770131,1.0,72.3,19.1,1.7,6.9,VTI:28.3%;AAPL:28.3%;BND:15.0%;MUB:28.3%,US:71.7;EU:11.4;APAC:7.6;EM:7.1;Other:2.1,Value:+0.3;Growth:+0.9;Quality:+0.4;Size:-0.2;Momentum:+0.1;LowVol:+0.4,ESGOnly,8,25,3.2,trailing 8%,135,12.5,Sideways,16.6,5.0,2.1,95,55,79,62,false,Rebalance,Shift +1% to bonds from equity,16,-29,BrokerB,MKT,87,None,None,Normal monitoring,-7,-47,75,5,false,Increase defensive factor exposure
P2096,Opportunistic,401k,USD,2024-07-31,547382,45841,501541,1.24,60.8,18.3,16.6,4.4,VOO:9.8%;HYG:15.6%;XLF:24.9%;TLT:24.9%;MSFT:24.9%,US:62.1;EU:16.4;APAC:12.1;EM:5.6;Other:3.9,Value:+0.4;Growth:+0.5;Quality:-0.3;Size:+0.3;Momentum:-0.2;LowVol:-0.3,MaxPos6%,8,35,4.1,trailing 9%,247,29.2,Volatile,25.0,3.74,2.4,161,15,71,63,true,Reduce,"Cut high-beta by 2-3%, add cash",28,14,BrokerD,LMT,87,VAR>budget,Reduce,Risk above budget threshold,-40,-50,-9,3,false,Within IPS guidelines
P2097,Systematic,IRA,USD,2024-09-23,1810755,95988,1714767,1.0,68.5,24.9,0.0,6.6,TSLA:14.8%;IEF:17.5%;BND:14.7%;AMZN:19.4%;QQQ:19.7%;HYG:13.9%,US:58.5;EU:14.0;APAC:14.3;EM:8.5;Other:4.7,Value:+0.9;Growth:+0.4;Quality:-0.9;Size:-0.7;Momentum:+0.4;LowVol:-0.7,,5,30,4.3,hard 12%,183,16.1,Bull,15.4,3.83,3.2,93,117,93,41,false,Sell,Trim extended winner -1%,18,-37,BrokerD,MKT,97,None,None,Normal monitoring,113,-57,83,5,false,Tax-aware sells next window
P2098,Cautious,Trust,USD,2025-12-14,259314,40528,218786,1.0,49.9,34.0,0.0,16.1,MSFT:33.3%;TLT:33.3%;IEF:33.3%,US:66.6;EU:10.0;APAC:14.6;EM:5.1;Other:3.7,Value:-0.4;Growth:-0.1;Quality:-0.7;Size:+0.8;Momentum:+0.3;LowVol:+0.5,NoMargin,10,35,5.0,trailing 10%,107,14.7,Volatile,25.5,5.41,3.9,143,75,100,52,false,NoAction,Within bands; monitor,13,7,BrokerD,LMT,87,None,None,Normal monitoring,-25,-20,38,4,false,Monitor dispersion and breadth
P2099,Cautious,IRA,USD,2024-12-06,634067,73396,560671,1.0,46.0,32.2,6.0,15.8,AAPL:10.4%;BRK.B:11.9%;VOO:23.3%;TLT:22.6%;QQQ:23.3%;MSFT:8.5%,US:77.3;EU:11.9;APAC:5.4;EM:3.8;Other:1.6,Value:+0.3;Growth:+0.6;Quality:-0.4;Size:-1.0;Momentum:+0.8;LowVol:+0.3,MaxPos6%;NoMargin,10,30,5.7,trailing 8%,96,12.4,Bull,11.5,3.51,3.0,114,0,36,35,false,Rebalance,Shift +1% to bonds from equity,28,-11,BrokerC,LMT,88,None,None,Normal monitoring,-51,-23,66,5,false,Monitor dispersion and breadth
P2100,Hands-off,401k,USD,2024-07-13,211129,10221,200908,1.0,59.0,25.1,10.6,5.3,TSLA:35.9%;IEF:28.3%;AMZN:35.9%,US:67.5;EU:11.4;APAC:9.2;EM:8.2;Other:3.7,Value:-0.7;Growth:+0.3;Quality:-0.3;Size:-0.5;Momentum:+0.6;LowVol:-0.3,MaxPos8%,7,25,4.8,trailing 8%,129,13.9,Bull,12.1,4.41,2.2,87,108,100,44,false,Rebalance,Shift +1% to bonds from equity,-4,-27,BrokerC,VWAP,89,None,None,Normal monitoring,110,-34,101,4,false,Monitor dispersion and breadth
P2101,Systematic,Trust,USD,2024-07-04,905707,77281,828426,1.0,64.2,27.1,0.0,8.7,BND:20.5%;AAPL:15.8%;BRK.B:14.3%;MSFT:17.5%;VNQ:20.5%;XLF:11.4%,US:66.8;EU:12.8;APAC:6.1;EM:13.1;Other:1.2,Value:-0.0;Growth:+0.3;Quality:-0.1;Size:-0.7;Momentum:+0.3;LowVol:+0.5,,5,25,5.7,trailing 8%,215,23.2,Bull,17.4,3.63,3.4,116,72,77,58,false,Rebalance,Shift +1% to bonds from equity,11,-27,BrokerD,MKT,89,None,None,Normal monitoring,42,-21,119,3,false,Tighten stops on momentum names
P2102,Systematic,IRA,USD,2024-09-22,957424,57304,900120,1.0,59.3,31.6,3.2,5.9,HYG:34.4%;BND:34.4%;AMZN:31.2%,US:76.2;EU:5.0;APAC:9.0;EM:9.1;Other:0.7,Value:+0.3;Growth:+0.9;Quality:+0.9;Size:+0.4;Momentum:-0.1;LowVol:-0.4,,6,25,4.5,trailing 9%,190,17.0,Bull,16.3,4.71,3.0,92,102,100,44,false,NoAction,Within bands; monitor,-8,-40,BrokerC,LMT,89,None,None,Normal monitoring,-31,-56,56,3,false,Tighten stops on momentum names
P2103,Hands-off,IRA,USD,2025-05-01,206255,15968,190287,1.0,57.7,17.0,17.4,7.9,VTI:22.5%;TLT:18.8%;GLD:22.5%;MUB:22.5%;BRK.B:13.7%,US:58.9;EU:16.4;APAC:9.0;EM:11.1;Other:4.6,Value:-0.8;Growth:+0.3;Quality:-0.0;Size:+0.9;Momentum:-0.1;LowVol:+0.1,ESGOnly;NoDerivatives,8,25,3.8,trailing 10%,135,13.3,Volatile,26.0,4.36,3.3,169,-53,11,66,true,Hedge,Buy index puts 1% notional,-14,14,BrokerA,MKT,91,VAR>budget,Reduce,Risk above budget threshold,-22,-32,39,3,false,Monitor dispersion and breadth
P2104,Hands-off,Trust,USD,2025-05-05,239814,22354,217460,1.0,66.4,25.8,0.0,7.7,IEF:21.5%;AMZN:21.3%;BRK.B:17.5%;AAPL:21.5%;TLT:18.1%,US:70.1;EU:18.2;APAC:6.6;EM:3.3;Other:1.9,Value:+0.2;Growth:+0.5;Quality:-0.7;Size:+0.3;Momentum:+0.4;LowVol:0.0,ESGOnly,7,30,5.6,hard 10%,134,13.8,Bear,33.6,4.08,1.9,134,-4,34,88,true,Hedge,Buy index puts 1% notional,5,-18,BrokerB,MKT,95,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-2,-30,12,4,false,Increase defensive factor exposure
P2105,Systematic,Taxable,USD,2024-09-11,1358034,87555,1270479,1.0,63.4,28.1,0.2,8.3,TLT:18.6%;QQQ:27.1%;TSLA:27.1%;XLF:27.1%,US:62.4;EU:14.9;APAC:12.1;EM:7.1;Other:3.5,Value:+0.1;Growth:-0.5;Quality:-0.5;Size:+0.7;Momentum:-0.7;LowVol:-0.9,NoDerivatives,8,25,5.7,hard 12%,137,27.0,Volatile,26.5,5.01,4.4,164,69,75,66,false,Sell,Trim extended winner -1%,26,-28,BrokerC,LMT,85,None,None,Normal monitoring,15,-31,111,3,false,Tighten stops on momentum names
P2106,Cautious,Roth,USD,2024-09-29,657254,100896,556358,1.0,47.0,37.6,0.0,15.4,BND:33.3%;TSLA:33.3%;MSFT:33.3%,US:63.0;EU:15.7;APAC:10.0;EM:8.6;Other:2.6,Value:-0.1;Growth:-0.2;Quality:+0.7;Size:-0.4;Momentum:+0.6;LowVol:0.0,NoMargin,5,30,4.6,trailing 8%,134,19.9,Bull,15.0,4.27,3.2,96,7,66,41,false,NoAction,Within bands; monitor,26,-7,BrokerB,MKT,0,None,None,Normal monitoring,-6,-35,84,4,false,Tighten stops on momentum names
P2107,Opportunistic,Trust,USD,2025-06-12,1790609,88053,1702556,1.0,62.2,21.7,9.2,6.9,TSLA:30.6%;MSFT:18.5%;XLF:30.6%;VNQ:20.3%,US:57.6;EU:12.4;APAC:16.1;EM:9.8;Other:4.0,Value:+0.7;Growth:-0.5;Quality:+0.6;Size:-0.7;Momentum:+0.2;LowVol:-0.0,,5,30,6.4,trailing 7%,248,30.0,Volatile,22.9,4.75,4.1,179,62,80,64,false,Rebalance,Shift +1% to bonds from equity,7,7,BrokerD,LMT,88,None,None,Normal monitoring,2,-30,139,3,false,Tax-aware sells next window
P2108,Opportunistic,Roth,USD,2025-08-07,955295,75352,879943,1.23,68.5,12.3,14.4,4.7,BND:19.8%;BRK.B:28.1%;HYG:28.1%;VNQ:24.1%,US:64.1;EU:14.5;APAC:8.1;EM:9.8;Other:3.6,Value:-0.9;Growth:-0.0;Quality:+0.3;Size:+0.5;Momentum:-0.4;LowVol:+0.6,,7,25,6.9,trailing 9%,257,21.9,Sideways,20.5,4.08,2.3,111,27,62,69,false,Buy,Add to core equity +1%,23,6,BrokerD,MKT,89,None,None,Normal monitoring,-44,-2,92,4,false,Monitor dispersion and breadth
P2109,Cautious,401k,USD,2025-09-04,693597,92868,600729,1.0,43.8,33.0,8.3,14.9,QQQ:27.3%;VTI:27.3%;BRK.B:20.5%;TSLA:24.9%,US:66.5;EU:7.8;APAC:12.2;EM:9.4;Other:4.1,Value:-0.7;Growth:+0.2;Quality:+0.9;Size:+0.5;Momentum:+1.0;LowVol:+0.7,ESGOnly;NoMargin,10,30,3.7,trailing 8%,134,17.7,Bull,12.2,4.79,2.5,79,91,82,20,false,Rebalance,Shift +1% to bonds from equity,-5,-32,BrokerC,MKT,86,None,None,Normal monitoring,-41,14,33,5,false,Within IPS guidelines
P2110,Active,Taxable,USD,2025-04-18,866819,54761,812058,1.18,55.4,23.0,16.5,5.1,MSFT:33.5%;IEF:33.5%;HYG:33.1%,US:66.8;EU:15.7;APAC:5.7;EM:8.6;Other:3.2,Value:-0.8;Growth:+0.4;Quality:-0.5;Size:0.0;Momentum:-0.4;LowVol:+0.7,MaxPos7%;NoDerivatives,6,30,4.2,trailing 8%,122,21.5,Volatile,29.2,3.99,2.3,136,44,68,74,true,Hedge,Buy index puts 1% notional,6,-24,BrokerC,VWAP,91,Drift>tolerance,Reduce,Allocation drift beyond policy bands,2,-40,65,3,false,Increase defensive factor exposure
P2111,Active,Roth,USD,2025-12-20,1788304,173452,1614852,1.0,64.9,22.4,6.2,6.6,XLF:8.0%;TSLA:23.1%;AMZN:22.6%;IEF:23.1%;MSFT:23.1%,US:63.6;EU:14.8;APAC:9.6;EM:9.6;Other:2.5,Value:-0.8;Growth:+0.5;Quality:-0.9;Size:-0.3;Momentum:-0.2;LowVol:-0.1,,7,25,5.8,trailing 8%,129,24.1,Bull,16.0,4.15,2.5,95,41,64,60,false,Rebalance,Shift +1% to bonds from equity,-1,3,BrokerC,MKT,98,None,None,Normal monitoring,-27,-60,45,5,false,Monitor dispersion and breadth
P2112,Systematic,IRA,USD,2024-12-31,1454617,118989,1335628,1.0,60.9,21.9,7.3,9.8,BND:33.3%;BRK.B:33.3%;VOO:33.3%,US:69.1;EU:15.2;APAC:6.4;EM:7.3;Other:2.0,Value:-0.6;Growth:-0.9;Quality:-0.3;Size:-0.7;Momentum:+0.8;LowVol:-0.3,MaxPos8%,7,30,5.2,trailing 9%,166,20.9,Sideways,20.1,3.94,2.8,104,-18,33,60,false,NoAction,Within bands; monitor,10,-35,BrokerC,LMT,87,None,None,Normal monitoring,42,-10,5,3,false,Increase defensive factor exposure
P2113,Cautious,Trust,USD,2025-12-16,858229,132691,725538,1.0,39.9,42.0,6.6,11.5,MUB:33.3%;AAPL:33.3%;QQQ:33.3%,US:71.8;EU:7.4;APAC:10.1;EM:7.9;Other:2.8,Value:-0.7;Growth:+0.2;Quality:-1.0;Size:+0.2;Momentum:-0.9;LowVol:-0.7,ESGOnly;MaxPos6%;NoDerivatives;NoMargin,5,30,3.7,trailing 8%,119,19.1,Bull,13.9,3.74,2.9,111,6,40,31,false,NoAction,Within bands; monitor,10,7,BrokerC,LMT,88,None,None,Normal monitoring,1,16,64,3,false,Monitor dispersion and breadth
P2114,Opportunistic,IRA,USD,2025-04-24,349230,19397,329833,1.0,60.8,19.6,14.0,5.6,VNQ:22.7%;VOO:9.3%;VTI:11.9%;BRK.B:12.3%;QQQ:21.1%;XLF:22.7%,US:67.1;EU:16.4;APAC:5.7;EM:9.6;Other:1.3,Value:-0.9;Growth:-0.5;Quality:+0.2;Size:-0.9;Momentum:-1.0;LowVol:+0.8,MaxPos7%,5,30,4.3,hard 12%,222,27.1,Sideways,19.5,4.88,2.6,100,54,64,50,false,Buy,Add to core equity +1%,17,-18,BrokerB,MKT,98,None,None,Normal monitoring,-45,-32,17,4,false,Increase defensive factor exposure
P2115,Hands-off,IRA,USD,2024-09-23,500916,24721,476195,1.0,60.2,20.6,9.5,9.6,BRK.B:11.8%;HYG:17.5%;AAPL:20.6%;XLF:20.6%;VNQ:20.6%;MSFT:9.0%,US:66.6;EU:15.7;APAC:10.0;EM:4.4;Other:3.3,Value:+0.9;Growth:+0.1;Quality:+1.0;Size:-0.5;Momentum:-0.1;LowVol:+0.3,ESGOnly;MaxPos5%,10,25,3.7,hard 10%,143,16.9,Volatile,23.5,4.28,2.2,149,-25,30,68,false,Hedge,Add TLT +1% as duration hedge,-11,-14,BrokerB,LMT,89,None,None,Normal monitoring,15,-56,-9,5,false,Within IPS guidelines
P2116,Cautious,Trust,USD,2025-08-19,864551,133442,731109,1.0,42.7,32.7,14.5,10.0,AAPL:18.2%;BND:21.8%;GLD:14.5%;VNQ:22.7%;BRK.B:22.7%,US:69.4;EU:10.6;APAC:12.9;EM:6.4;Other:0.7,Value:-1.0;Growth:+0.5;Quality:+0.9;Size:+0.8;Momentum:+0.8;LowVol:+0.3,ESGOnly;NoMargin,5,25,4.0,trailing 8%,132,14.2,Bear,25.7,4.3,1.7,201,-52,36,57,false,Buy,Add to core equity +1%,0,-40,BrokerB,LMT,90,None,None,Normal monitoring,23,8,109,5,false,Increase defensive factor exposure
P2117,Hands-off,Roth,USD,2024-12-07,787199,51266,735933,1.0,64.5,27.7,0.7,7.2,AMZN:27.1%;QQQ:27.1%;MSFT:27.1%;MUB:18.6%,US:71.7;EU:15.4;APAC:7.6;EM:4.8;Other:0.5,Value:-0.2;Growth:+0.1;Quality:+0.3;Size:+1.0;Momentum:-0.2;LowVol:+0.2,ESGOnly;NoDerivatives,7,30,4.3,trailing 8%,91,15.7,Bull,17.5,3.74,2.4,117,60,77,48,false,NoAction,Within bands; monitor,22,4,BrokerB,MKT,0,None,None,Normal monitoring,56,-29,113,3,false,Increase defensive factor exposure
P2118,Hands-off,Roth,USD,2024-08-31,215178,20626,194552,1.0,68.7,25.0,0.0,6.2,VTI:16.2%;QQQ:12.8%;HYG:18.2%;TLT:21.2%;VNQ:21.2%;AMZN:10.3%,US:74.2;EU:11.0;APAC:8.4;EM:4.6;Other:1.7,Value:+0.4;Growth:+0.1;Quality:-0.5;Size:+0.1;Momentum:-0.8;LowVol:+0.5,MaxPos7%;NoDerivatives,6,25,5.0,trailing 8%,115,17.7,Bull,15.5,4.76,2.4,89,23,64,56,false,Hedge,Add TLT +1% as duration hedge,-2,-35,BrokerD,VWAP,88,None,None,Normal monitoring,68,13,89,3,false,Increase defensive factor exposure
P2119,Hands-off,401k,USD,2024-10-13,214233,20406,193827,1.0,71.5,20.1,0.0,8.4,VNQ:19.2%;BND:18.3%;HYG:14.1%;MUB:24.2%;VTI:24.2%,US:73.9;EU:9.5;APAC:9.1;EM:5.3;Other:2.2,Value:+0.3;Growth:-0.3;Quality:-0.4;Size:0.0;Momentum:+0.8;LowVol:+0.2,,8,25,4.2,trailing 10%,119,18.8,Bull,11.9,4.95,2.9,88,32,67,47,false,Rebalance,Shift +1% to bonds from equity,-6,-38,BrokerC,LMT,95,None,None,Normal monitoring,15,2,105,3,false,Tighten stops on momentum names
P2120,Opportunistic,401k,USD,2024-08-22,1796433,108965,1687468,1.0,77.7,15.9,1.1,5.4,QQQ:20.5%;MUB:18.8%;TSLA:20.5%;IEF:15.2%;BND:15.4%;AAPL:9.7%,US:61.7;EU:6.1;APAC:15.8;EM:11.5;Other:4.9,Value:+0.3;Growth:+0.7;Quality:-0.3;Size:+0.3;Momentum:+0.1;LowVol:-1.0,,5,25,5.8,trailing 7%,171,26.2,Bear,24.5,3.7,2.1,196,-93,5,83,true,Reduce,"Cut high-beta by 2-3%, add cash",16,-23,BrokerC,MKT,88,RegimeShift,Reduce,Volatility spike and breadth deterioration,-4,11,135,3,false,Tax-aware sells next window
P2121,Cautious,401k,USD,2025-01-28,224119,30794,193325,1.0,35.6,40.3,7.5,16.6,HYG:20.4%;XLF:30.1%;BRK.B:19.4%;VTI:30.1%,US:61.3;EU:16.6;APAC:9.3;EM:9.9;Other:2.9,Value:-0.9;Growth:-0.7;Quality:-0.2;Size:+0.2;Momentum:+0.1;LowVol:+0.1,ESGOnly;NoMargin,5,35,5.3,hard 10%,126,17.3,Volatile,21.8,4.38,4.4,151,6,45,46,false,Buy,Add to core equity +1%,6,-15,BrokerC,LMT,85,None,None,Normal monitoring,-47,19,6,3,false,Within IPS guidelines
P2122,Hands-off,Roth,USD,2024-11-24,835180,72066,763114,1.0,61.2,23.4,10.3,5.1,VTI:15.2%;AMZN:8.6%;QQQ:16.8%;BND:21.4%;IEF:16.5%;VNQ:21.4%,US:64.0;EU:15.2;APAC:11.8;EM:4.4;Other:4.5,Value:-0.7;Growth:-0.1;Quality:-0.0;Size:-0.8;Momentum:+0.4;LowVol:+0.2,ESGOnly;NoDerivatives,6,25,5.9,hard 10%,115,14.7,Volatile,20.7,3.91,2.8,125,24,70,59,false,Rebalance,Shift +1% to bonds from equity,0,-37,BrokerC,LMT,90,None,None,Normal monitoring,83,-8,88,3,false,Monitor dispersion and breadth
P2123,Active,Trust,USD,2024-12-01,1030614,89586,941028,1.0,65.2,27.2,0.0,7.6,HYG:25.0%;GLD:25.0%;BND:15.4%;MUB:25.0%;VTI:9.6%,US:63.0;EU:16.1;APAC:9.1;EM:6.8;Other:5.1,Value:+0.5;Growth:+0.2;Quality:-0.6;Size:-0.1;Momentum:+0.2;LowVol:-0.8,NoDerivatives,7,25,5.5,hard 12%,135,23.6,Bull,17.8,3.76,3.1,77,102,100,44,false,Sell,Trim extended winner -1%,27,-9,BrokerB,VWAP,88,None,None,Normal monitoring,32,-56,132,3,false,Tax-aware sells next window
P2124,Systematic,Roth,USD,2025-05-18,1730230,171557,1558673,1.0,58.6,30.3,2.9,8.1,AMZN:21.1%;VNQ:21.1%;HYG:21.1%;MSFT:8.9%;VTI:21.0%;AAPL:6.8%,US:67.0;EU:11.1;APAC:12.7;EM:8.0;Other:1.2,Value:-0.9;Growth:-0.9;Quality:-0.8;Size:+0.7;Momentum:+0.3;LowVol:-0.2,,6,30,5.0,trailing 8%,151,19.6,Volatile,30.0,4.78,3.2,128,13,70,72,true,Reduce,"Cut high-beta by 2-3%, add cash",-5,-36,BrokerA,MKT,89,Drift>tolerance,Hedge,Allocation drift beyond policy bands,111,-59,154,5,true,Tighten stops on momentum names
P2125,Cautious,Taxable,USD,2025-04-19,596784,51061,545723,1.0,48.4,35.6,0.0,16.0,QQQ:25.0%;VOO:25.0%;BRK.B:24.9%;HYG:25.0%,US:65.9;EU:12.8;APAC:7.2;EM:10.3;Other:3.8,Value:-0.7;Growth:-0.7;Quality:+0.5;Size:0.0;Momentum:-0.6;LowVol:-0.2,ESGOnly;MaxPos8%;NoMargin,8,30,4.5,hard 10%,106,15.3,Bull,13.0,3.96,2.2,112,100,98,32,false,Sell,Trim extended winner -1%,32,-17,BrokerC,MKT,97,None,None,Normal monitoring,22,-51,107,4,false,Monitor dispersion and breadth
P2126,Systematic,Roth,USD,2025-09-19,683204,55751,627453,1.0,66.9,25.9,2.0,5.3,XLF:29.5%;VNQ:29.5%;AAPL:21.2%;MUB:19.8%,US:67.1;EU:14.1;APAC:10.1;EM:6.5;Other:2.1,Value:-0.2;Growth:+0.3;Quality:+0.8;Size:-0.8;Momentum:+0.1;LowVol:-0.5,MaxPos6%;NoDerivatives,8,30,4.1,hard 12%,222,17.4,Bull,17.6,4.03,2.8,75,64,85,61,false,Rebalance,Shift +1% to bonds from equity,-15,-17,BrokerD,MKT,99,None,None,Normal monitoring,6,-48,115,4,false,Monitor dispersion and breadth
P2127,Cautious,IRA,USD,2025-12-22,733091,92770,640321,1.0,50.0,33.5,0.0,16.5,IEF:26.3%;HYG:21.2%;VTI:26.3%;QQQ:26.3%,US:63.8;EU:17.0;APAC:10.3;EM:6.5;Other:2.4,Value:-0.4;Growth:+0.8;Quality:-0.3;Size:-0.7;Momentum:-0.7;LowVol:-0.8,ESGOnly;MaxPos7%;NoMargin,7,35,5.4,trailing 8%,97,13.9,Bear,24.1,4.39,2.6,186,2,49,63,false,Rebalance,Shift +1% to bonds from equity,19,-2,BrokerA,LMT,94,None,None,Normal monitoring,88,-13,221,4,false,Tighten stops on momentum names
P2128,Cautious,IRA,USD,2025-05-14,264503,23863,240640,1.0,49.5,38.8,0.0,11.8,TLT:33.3%;VNQ:33.3%;IEF:33.3%,US:64.2;EU:13.8;APAC:9.8;EM:9.6;Other:2.6,Value:+0.6;Growth:+0.2;Quality:+0.9;Size:+0.5;Momentum:+0.9;LowVol:-0.8,NoMargin,6,30,3.2,trailing 8%,139,17.7,Bear,23.7,3.83,1.4,162,-64,28,50,false,Buy,Add to core equity +1%,8,-29,BrokerD,MKT,85,None,None,Normal monitoring,-7,9,52,3,false,Tighten stops on momentum names
P2129,Opportunistic,Roth,USD,2025-07-06,631239,53968,577271,1.0,76.0,15.7,3.7,4.5,MSFT:33.3%;BND:33.3%;TLT:33.3%,US:75.0;EU:8.1;APAC:8.3;EM:6.9;Other:1.7,Value:+0.7;Growth:+0.1;Quality:+0.7;Size:+0.7;Momentum:-0.8;LowVol:+0.4,MaxPos5%,5,30,4.9,hard 12%,275,30.6,Volatile,29.6,5.48,4.2,179,-43,36,92,true,Reduce,"Cut high-beta by 2-3%, add cash",5,-23,BrokerB,LMT,93,Drift>tolerance,Hedge,Allocation drift beyond policy bands,105,14,176,4,false,Increase defensive factor exposure
P2130,Hands-off,Trust,USD,2024-08-14,586352,41595,544757,1.0,70.2,16.3,5.5,8.0,TSLA:20.6%;XLF:13.6%;AMZN:20.6%;AAPL:14.6%;IEF:19.0%;BRK.B:11.5%,US:66.5;EU:14.3;APAC:11.9;EM:4.7;Other:2.7,Value:-0.5;Growth:-0.3;Quality:-0.8;Size:-1.0;Momentum:-1.0;LowVol:+0.2,,8,30,3.6,trailing 8%,100,16.3,Sideways,21.9,3.58,3.4,138,-17,27,73,false,Sell,Trim extended winner -1%,6,11,BrokerB,MKT,92,None,None,Normal monitoring,16,-53,-23,4,false,Increase defensive factor exposure
P2131,Active,Roth,USD,2025-06-13,1354526,132158,1222368,1.0,64.5,19.2,6.7,9.6,TSLA:33.3%;IEF:33.3%;HYG:33.3%,US:64.1;EU:10.3;APAC:16.8;EM:8.4;Other:0.4,Value:+0.1;Growth:+0.3;Quality:+0.5;Size:-0.0;Momentum:+0.6;LowVol:-0.9,,5,35,5.5,trailing 9%,229,27.1,Bear,27.1,3.73,1.1,174,-101,5,82,true,Reduce,"Cut high-beta by 2-3%, add cash",-13,-38,BrokerB,MKT,99,Drift>tolerance,Reduce,Allocation drift beyond policy bands,70,-21,179,4,false,Tighten stops on momentum names
P2132,Opportunistic,401k,USD,2025-02-02,385797,23892,361905,1.0,61.1,19.7,14.4,4.9,MSFT:33.3%;TSLA:33.3%;GLD:33.3%,US:74.8;EU:6.6;APAC:10.6;EM:4.5;Other:3.5,Value:-0.5;Growth:+0.1;Quality:+0.4;Size:-0.5;Momentum:-0.7;LowVol:-0.1,,8,30,4.7,trailing 7%,238,21.2,Bull,15.3,3.76,2.5,89,75,86,47,false,Rebalance,Shift +1% to bonds from equity,-10,-13,BrokerC,LMT,96,None,None,Normal monitoring,17,-9,106,4,false,Tighten stops on momentum names
P2133,Hands-off,Trust,USD,2025-09-08,253767,20234,233533,1.0,65.2,18.2,10.9,5.6,AAPL:14.9%;HYG:17.4%;BRK.B:17.6%;MUB:10.2%;BND:18.9%;VTI:21.0%,US:68.3;EU:14.6;APAC:8.6;EM:6.6;Other:1.8,Value:-0.1;Growth:-0.6;Quality:-0.8;Size:0.0;Momentum:+0.4;LowVol:-0.7,ESGOnly;MaxPos5%;NoDerivatives,5,25,3.0,trailing 8%,129,12.3,Sideways,20.4,4.36,2.3,135,13,43,67,false,Buy,Add to core equity +1%,-14,-24,BrokerA,MKT,89,None,None,Normal monitoring,82,14,46,4,false,Tighten stops on momentum names
P2134,Opportunistic,401k,USD,2024-11-17,1359427,106477,1252950,1.11,63.2,11.6,21.0,4.1,QQQ:18.1%;GLD:27.3%;HYG:27.3%;TSLA:27.3%,US:74.3;EU:10.5;APAC:4.9;EM:6.6;Other:3.8,Value:-0.8;Growth:+1.0;Quality:+0.8;Size:-0.1;Momentum:-0.5;LowVol:+1.0,MaxPos6%,7,30,5.2,trailing 9%,182,32.7,Bull,14.2,4.38,2.5,115,42,67,56,false,Hedge,Add TLT +1% as duration hedge,0,-19,BrokerD,MKT,97,None,None,Normal monitoring,72,-27,189,3,false,Tighten stops on momentum names
P2135,Hands-off,401k,USD,2025-10-08,448773,28492,420281,1.0,58.9,28.4,6.9,5.8,QQQ:28.7%;IEF:28.7%;VOO:14.0%;GLD:28.7%,US:67.3;EU:16.6;APAC:7.1;EM:4.8;Other:4.1,Value:+0.8;Growth:+0.5;Quality:+0.5;Size:-0.4;Momentum:-0.7;LowVol:-0.5,MaxPos7%;NoDerivatives,7,30,3.1,hard 10%,167,14.8,Volatile,31.0,5.32,4.3,157,-45,40,75,true,Hedge,Buy index puts 1% notional,24,-12,BrokerC,LMT,92,Drift>tolerance,Reduce,Allocation drift beyond policy bands,71,-53,159,4,false,Tighten stops on momentum names
P2136,Active,Roth,USD,2025-03-21,2122194,238149,1884045,1.0,59.8,19.9,13.7,6.6,AMZN:25.0%;MUB:25.0%;TLT:25.0%;MSFT:25.0%,US:66.1;EU:15.6;APAC:7.7;EM:9.8;Other:0.7,Value:-0.8;Growth:-0.6;Quality:+0.4;Size:+0.5;Momentum:-0.3;LowVol:-0.1,NoDerivatives,10,25,4.4,trailing 9%,134,26.5,Bull,16.3,4.2,2.1,71,0,49,50,false,Buy,Add to core equity +1%,30,-32,BrokerA,MKT,86,None,None,Normal monitoring,4,-53,37,5,false,Tax-aware sells next window
P2137,Opportunistic,IRA,USD,2025-07-16,895459,75529,819930,1.0,73.2,11.6,8.5,6.6,TSLA:22.8%;AAPL:22.8%;BRK.B:12.0%;IEF:22.8%;QQQ:8.0%;MSFT:11.6%,US:65.8;EU:16.0;APAC:6.4;EM:8.2;Other:3.7,Value:0.0;Growth:+1.0;Quality:+0.2;Size:+0.3;Momentum:-0.5;LowVol:+0.5,NoDerivatives,7,35,6.7,trailing 9%,228,33.7,Bull,17.3,4.21,2.3,83,102,95,66,false,Hedge,Add TLT +1% as duration hedge,29,6,BrokerD,LMT,92,None,None,Normal monitoring,92,-2,220,3,false,Tighten stops on momentum names
P2138,Active,Roth,USD,2025-05-22,631808,63387,568421,1.18,59.8,24.5,9.4,6.3,XLF:28.0%;AAPL:28.0%;QQQ:15.9%;VTI:28.0%,US:74.2;EU:7.5;APAC:6.8;EM:7.4;Other:4.1,Value:+0.4;Growth:-0.1;Quality:+0.5;Size:-0.1;Momentum:+0.1;LowVol:-0.7,,5,30,5.0,trailing 8%,159,18.7,Volatile,21.4,5.36,3.9,170,54,89,55,false,Buy,Add to core equity +1%,-5,-10,BrokerD,LMT,88,None,None,Normal monitoring,67,-53,32,4,false,Increase defensive factor exposure
P2139,Hands-off,401k,USD,2025-04-23,567340,41985,525355,1.0,71.9,21.2,0.0,6.9,QQQ:39.3%;GLD:39.3%;HYG:21.4%,US:60.1;EU:17.1;APAC:14.2;EM:4.9;Other:3.7,Value:+1.0;Growth:+0.3;Quality:+0.8;Size:-0.2;Momentum:-0.9;LowVol:+0.9,ESGOnly;MaxPos7%;NoDerivatives,8,25,6.0,hard 10%,167,18.3,Sideways,18.7,4.18,2.7,112,-7,45,61,false,Sell,Trim extended winner -1%,2,-5,BrokerC,LMT,99,None,None,Normal monitoring,18,-56,2,3,false,Monitor dispersion and breadth
P2140,Active,IRA,USD,2024-11-22,521588,51447,470141,1.0,68.2,18.5,6.9,6.5,TLT:27.9%;MSFT:24.4%;VNQ:19.8%;VTI:27.9%,US:68.3;EU:13.2;APAC:7.1;EM:10.2;Other:1.1,Value:-0.7;Growth:-0.9;Quality:-0.3;Size:-0.6;Momentum:+0.9;LowVol:+0.4,,5,30,5.0,trailing 8%,177,23.0,Sideways,18.3,3.56,3.3,130,27,71,61,false,Buy,Add to core equity +1%,27,14,BrokerC,LMT,95,None,None,Normal monitoring,-13,-47,49,3,false,Increase defensive factor exposure
P2141,Opportunistic,Taxable,USD,2025-11-19,387619,17985,369634,1.0,67.4,17.9,6.1,8.5,QQQ:22.9%;TLT:18.5%;BRK.B:20.9%;MSFT:22.9%;VTI:14.9%,US:66.8;EU:9.1;APAC:14.2;EM:7.4;Other:2.5,Value:-1.0;Growth:+0.5;Quality:-0.9;Size:-0.2;Momentum:-0.1;LowVol:+0.5,,10,25,4.9,hard 12%,200,26.8,Sideways,20.8,3.6,3.2,103,37,80,68,false,Rebalance,Shift +1% to bonds from equity,27,-36,BrokerB,VWAP,86,None,None,Normal monitoring,88,-26,170,5,false,Tax-aware sells next window
P2142,Active,401k,USD,2024-12-24,1148836,104729,1044107,1.0,66.4,21.7,6.3,5.6,TSLA:13.1%;GLD:20.7%;VOO:11.7%;AAPL:17.7%;HYG:20.7%;MSFT:16.2%,US:78.2;EU:5.7;APAC:5.4;EM:6.4;Other:4.3,Value:0.0;Growth:-0.3;Quality:-0.1;Size:+0.3;Momentum:-0.3;LowVol:-0.6,,6,35,4.0,hard 12%,176,18.4,Sideways,15.3,4.47,2.1,111,47,70,47,false,Hedge,Add TLT +1% as duration hedge,22,-33,BrokerA,VWAP,91,None,None,Normal monitoring,23,-7,8,4,false,Monitor dispersion and breadth
P2143,Opportunistic,Taxable,USD,2024-12-23,1529779,137246,1392533,1.0,67.0,16.5,8.7,7.8,XLF:33.3%;VTI:33.3%;AAPL:33.3%,US:66.0;EU:9.6;APAC:17.3;EM:6.3;Other:0.9,Value:+0.6;Growth:+0.3;Quality:+0.6;Size:+0.8;Momentum:-0.6;LowVol:-0.7,,10,30,5.9,trailing 9%,168,33.9,Bear,26.0,4.29,1.6,178,-64,23,76,true,Rebalance,Rebalance back to target bands,26,-15,BrokerB,LMT,89,Drift>tolerance,Hedge,Allocation drift beyond policy bands,77,17,49,5,false,Tighten stops on momentum names
P2144,Systematic,Roth,USD,2025-05-14,1145313,96820,1048493,1.0,58.3,30.2,4.9,6.6,VOO:13.5%;TSLA:13.0%;HYG:15.3%;QQQ:15.1%;AAPL:21.6%;AMZN:21.6%,US:58.8;EU:17.0;APAC:11.3;EM:11.1;Other:1.8,Value:-0.2;Growth:-0.2;Quality:+1.0;Size:-0.2;Momentum:+0.1;LowVol:-0.5,MaxPos8%,6,25,4.7,trailing 9%,192,19.5,Bull,16.7,3.77,2.1,84,8,50,52,false,Sell,Trim extended winner -1%,-2,-1,BrokerC,LMT,98,None,None,Normal monitoring,-33,-10,-49,5,false,Tighten stops on momentum names
P2145,Opportunistic,Roth,USD,2025-10-10,339994,22386,317608,1.0,66.8,15.3,9.7,8.2,TSLA:24.2%;QQQ:14.5%;BND:24.2%;AMZN:24.2%;MSFT:12.9%,US:70.1;EU:6.5;APAC:6.5;EM:11.9;Other:5.0,Value:+0.4;Growth:-0.2;Quality:+0.3;Size:+0.5;Momentum:-0.3;LowVol:+0.1,MaxPos7%;NoDerivatives,5,25,4.9,trailing 7%,219,32.7,Bull,16.1,4.49,2.2,74,119,100,59,false,Buy,Add to core equity +1%,24,-17,BrokerC,MKT,98,None,None,Normal monitoring,71,-34,73,4,false,Increase defensive factor exposure
P2146,Hands-off,Roth,USD,2025-09-29,770751,72834,697917,1.0,70.2,16.5,5.0,8.3,XLF:22.8%;TSLA:16.6%;TLT:22.8%;AMZN:13.7%;VTI:13.7%;GLD:10.4%,US:60.7;EU:19.8;APAC:10.7;EM:8.1;Other:0.7,Value:-0.9;Growth:-0.1;Quality:+0.2;Size:+0.3;Momentum:-0.3;LowVol:+0.3,ESGOnly,8,30,4.3,trailing 8%,140,16.0,Bull,16.4,4.98,2.0,87,75,77,57,false,Sell,Trim extended winner -1%,13,-27,BrokerC,LMT,85,None,None,Normal monitoring,-47,-39,-83,4,false,Increase defensive factor exposure
P2147,Opportunistic,Trust,USD,2025-04-03,1341452,63998,1277454,1.0,74.5,19.0,0.7,5.7,BRK.B:22.3%;BND:17.7%;XLF:12.7%;VNQ:9.0%;IEF:16.0%;AAPL:22.3%,US:68.4;EU:12.5;APAC:8.2;EM:8.3;Other:2.7,Value:+0.6;Growth:+0.2;Quality:-0.8;Size:-0.3;Momentum:0.0;LowVol:-0.8,,6,25,7.0,trailing 7%,277,24.4,Volatile,31.9,4.41,3.2,135,-11,46,81,true,Rebalance,Rebalance back to target bands,-5,10,BrokerC,MKT,90,Drift>tolerance,Reduce,Allocation drift beyond policy bands,104,16,171,4,false,Increase defensive factor exposure
P2148,Systematic,Roth,USD,2025-11-22,1660262,70234,1590028,1.0,62.7,27.1,3.9,6.3,TLT:33.3%;GLD:33.3%;MUB:33.3%,US:71.8;EU:6.7;APAC:11.1;EM:9.5;Other:1.0,Value:-0.6;Growth:-0.9;Quality:-0.3;Size:-0.1;Momentum:+0.4;LowVol:-0.7,MaxPos6%,10,30,5.9,hard 12%,151,24.6,Bull,12.8,4.2,2.1,86,114,100,39,false,Hedge,Add TLT +1% as duration hedge,34,-1,BrokerB,VWAP,85,None,None,Normal monitoring,-13,-34,-9,4,false,Within IPS guidelines
P2149,Cautious,IRA,USD,2024-08-15,860980,126461,734519,1.0,38.2,44.2,6.5,11.0,VOO:25.0%;XLF:25.0%;HYG:25.0%;BRK.B:25.0%,US:61.7;EU:14.2;APAC:10.6;EM:10.4;Other:3.1,Value:+0.9;Growth:-0.4;Quality:-0.1;Size:+0.8;Momentum:+0.6;LowVol:+0.5,NoMargin,7,25,4.4,trailing 10%,104,16.3,Volatile,22.3,4.09,3.5,164,-47,32,49,false,Rebalance,Shift +1% to bonds from equity,-15,-30,BrokerA,MKT,87,None,None,Normal monitoring,73,-44,83,5,false,Tighten stops on momentum names
P2150,Cautious,Roth,USD,2025-10-05,697430,69868,627562,1.0,44.7,41.3,0.0,14.0,IEF:18.0%;HYG:22.0%;BND:16.0%;VTI:22.0%;TSLA:22.0%,US:71.0;EU:10.5;APAC:13.2;EM:3.7;Other:1.6,Value:-0.3;Growth:+0.9;Quality:+0.9;Size:+0.2;Momentum:-0.7;LowVol:-0.4,ESGOnly;MaxPos8%;NoDerivatives;NoMargin,5,25,4.0,trailing 8%,135,14.4,Sideways,18.0,3.87,2.4,113,10,55,49,false,Buy,Add to core equity +1%,21,14,BrokerC,MKT,99,None,None,Normal monitoring,-60,-13,1,3,false,Within IPS guidelines
P2151,Cautious,IRA,USD,2024-12-05,161533,18358,143175,1.0,35.9,34.7,14.4,15.0,IEF:26.4%;QQQ:26.4%;BRK.B:20.7%;AMZN:26.4%,US:66.8;EU:13.7;APAC:9.7;EM:7.4;Other:2.4,Value:-0.8;Growth:-1.0;Quality:-0.2;Size:0.0;Momentum:+0.3;LowVol:0.0,ESGOnly;NoMargin,7,35,5.8,trailing 8%,145,14.0,Bear,28.2,3.58,1.3,176,-117,5,67,true,Reduce,"Cut high-beta by 2-3%, add cash",10,-32,BrokerD,MKT,86,Drift>tolerance,Pause,Allocation drift beyond policy bands,83,-55,107,4,false,Within IPS guidelines
P2152,Active,IRA,USD,2025-02-12,669126,70791,598335,1.19,51.8,21.6,19.1,7.5,HYG:33.3%;MUB:33.3%;XLF:33.3%,US:68.8;EU:14.9;APAC:4.9;EM:10.2;Other:1.3,Value:-0.3;Growth:+0.6;Quality:-0.2;Size:+0.3;Momentum:-0.5;LowVol:+0.2,MaxPos5%,10,30,4.4,trailing 9%,165,27.6,Bear,33.0,3.55,3.0,153,33,55,85,true,Reduce,"Cut high-beta by 2-3%, add cash",31,6,BrokerB,MKT,92,RegimeShift,Hedge,Volatility spike and breadth deterioration,115,17,121,4,true,Increase defensive factor exposure
P2153,Active,401k,USD,2025-12-20,1516635,132752,1383883,1.0,61.4,24.6,7.8,6.2,VNQ:22.8%;XLF:19.3%;AAPL:12.4%;MUB:22.8%;TLT:22.8%,US:63.6;EU:17.8;APAC:6.8;EM:10.5;Other:1.2,Value:+0.2;Growth:+0.7;Quality:-0.4;Size:+0.4;Momentum:-0.2;LowVol:-0.4,MaxPos5%,10,35,5.7,trailing 9%,215,25.2,Volatile,29.9,3.79,2.1,115,-1,53,77,true,Reduce,"Cut high-beta by 2-3%, add cash",19,-5,BrokerC,LMT,100,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-30,-57,-49,5,false,Monitor dispersion and breadth
P2154,Cautious,Taxable,USD,2025-05-28,570142,61343,508799,1.0,42.5,31.6,14.6,11.3,TLT:20.8%;QQQ:21.0%;GLD:8.5%;MSFT:9.2%;MUB:21.0%;VTI:19.3%,US:56.5;EU:18.6;APAC:12.0;EM:10.3;Other:2.7,Value:-0.6;Growth:+0.3;Quality:-0.8;Size:-0.7;Momentum:-0.5;LowVol:+0.5,ESGOnly;MaxPos5%;NoMargin,7,25,5.7,trailing 8%,126,19.4,Sideways,17.9,4.3,3.4,125,35,62,49,false,Buy,Add to core equity +1%,-5,-2,BrokerA,LMT,96,None,None,Normal monitoring,60,-23,38,4,false,Tighten stops on momentum names
P2155,Hands-off,Taxable,USD,2025-10-03,650702,35996,614706,1.0,68.2,18.5,3.5,9.8,IEF:24.2%;MSFT:15.6%;XLF:11.8%;BRK.B:24.2%;BND:24.2%,US:68.3;EU:6.1;APAC:15.7;EM:6.7;Other:3.2,Value:+0.6;Growth:+1.0;Quality:+0.6;Size:-0.0;Momentum:-0.2;LowVol:+1.0,MaxPos5%;NoDerivatives,10,30,5.2,trailing 8%,164,19.4,Volatile,24.8,5.23,4.4,156,33,67,71,true,Reduce,"Cut high-beta by 2-3%, add cash",-4,-27,BrokerA,LMT,97,VAR>budget,Pause,Risk above budget threshold,79,-27,76,2,false,Tighten stops on momentum names
P2156,Opportunistic,Taxable,USD,2025-06-10,588530,31137,557393,1.0,61.5,13.9,18.9,5.7,XLF:37.2%;BRK.B:25.5%;AMZN:37.2%,US:66.3;EU:13.6;APAC:6.3;EM:8.8;Other:5.0,Value:+0.5;Growth:+0.1;Quality:+0.5;Size:-0.8;Momentum:+0.5;LowVol:+0.4,,7,25,4.8,hard 12%,169,34.4,Sideways,18.4,4.46,2.6,117,25,57,45,false,Buy,Add to core equity +1%,35,-40,BrokerB,MKT,85,None,None,Normal monitoring,1,-17,67,5,false,Within IPS guidelines
P2157,Systematic,Trust,USD,2025-10-21,928601,82221,846380,1.0,62.7,31.5,0.0,5.8,VOO:20.2%;MSFT:22.3%;BND:22.3%;IEF:22.3%;VTI:12.9%,US:60.3;EU:17.4;APAC:7.1;EM:11.0;Other:4.2,Value:-0.3;Growth:-0.3;Quality:-0.9;Size:+0.8;Momentum:+0.1;LowVol:+0.5,,6,35,5.0,trailing 8%,226,17.7,Volatile,31.6,4.83,2.8,120,-6,33,86,true,Rebalance,Rebalance back to target bands,-4,-1,BrokerD,LMT,86,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-29,-29,-11,3,false,Within IPS guidelines
P2158,Cautious,Trust,USD,2025-04-21,637788,64832,572956,1.0,44.8,31.8,7.3,16.1,BRK.B:26.6%;VTI:26.6%;HYG:26.6%;TSLA:20.3%,US:65.6;EU:11.3;APAC:17.0;EM:5.3;Other:0.8,Value:+0.1;Growth:+0.4;Quality:-0.5;Size:+0.3;Momentum:-0.8;LowVol:+0.3,ESGOnly;MaxPos7%;NoMargin,6,30,6.0,hard 10%,129,12.8,Volatile,25.0,4.74,3.6,179,35,53,46,false,Buy,Add to core equity +1%,-10,-40,BrokerD,LMT,88,None,None,Normal monitoring,36,-50,163,3,false,Increase defensive factor exposure
P2159,Active,401k,USD,2025-08-23,990241,84822,905419,1.0,65.1,20.2,7.7,7.0,TSLA:22.8%;AAPL:25.7%;QQQ:25.7%;MSFT:25.7%,US:57.6;EU:20.3;APAC:13.1;EM:5.3;Other:3.7,Value:+0.3;Growth:+0.4;Quality:-0.1;Size:+0.2;Momentum:+0.8;LowVol:-0.5,MaxPos8%;NoDerivatives,10,35,5.2,hard 12%,162,20.3,Bear,30.3,4.08,1.4,196,9,41,73,true,Reduce,"Cut high-beta by 2-3%, add cash",0,-27,BrokerA,VWAP,90,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,89,-12,87,2,false,Increase defensive factor exposure
P2160,Cautious,IRA,USD,2025-10-31,616986,62942,554044,1.0,44.3,33.8,10.5,11.5,MUB:23.0%;TLT:23.0%;HYG:23.0%;BND:23.0%;VTI:7.8%,US:71.0;EU:14.3;APAC:6.2;EM:7.9;Other:0.6,Value:-0.9;Growth:-0.7;Quality:-0.1;Size:+0.3;Momentum:+0.1;LowVol:-0.8,ESGOnly;NoDerivatives;NoMargin,5,35,4.8,hard 10%,141,15.2,Volatile,29.0,4.23,2.9,118,-17,48,69,false,Buy,Add to core equity +1%,-15,-8,BrokerA,MKT,87,None,None,Normal monitoring,36,2,80,3,false,Increase defensive factor exposure
P2161,Opportunistic,Roth,USD,2025-06-13,1514230,77307,1436923,1.0,63.5,10.1,22.0,4.5,MSFT:25.7%;AAPL:23.9%;TSLA:25.7%;IEF:24.7%,US:65.0;EU:8.2;APAC:13.7;EM:10.5;Other:2.6,Value:-0.2;Growth:+0.7;Quality:+0.3;Size:-1.0;Momentum:-0.9;LowVol:-0.0,NoDerivatives,7,35,6.9,hard 12%,263,20.9,Volatile,25.7,5.41,3.6,124,9,41,60,false,Buy,Add to core equity +1%,-8,-18,BrokerC,MKT,89,None,None,Normal monitoring,115,17,248,3,false,Within IPS guidelines
P2162,Hands-off,IRA,USD,2025-04-12,699210,46669,652541,1.0,57.2,20.6,13.0,9.2,VTI:16.3%;XLF:20.1%;QQQ:23.6%;AMZN:23.6%;BND:16.3%,US:66.1;EU:15.6;APAC:10.2;EM:5.4;Other:2.7,Value:-0.1;Growth:+0.7;Quality:-0.6;Size:+0.9;Momentum:+0.6;LowVol:+0.9,,10,35,4.4,hard 10%,147,15.6,Volatile,31.9,3.58,2.9,139,8,53,85,true,Rebalance,Rebalance back to target bands,30,-38,BrokerC,LMT,93,VAR>budget,TightenStops,Risk above budget threshold,64,-36,61,5,false,Tax-aware sells next window
P2163,Opportunistic,Trust,USD,2025-02-15,931848,42172,889676,1.0,72.9,19.3,0.5,7.4,BRK.B:6.9%;TSLA:16.0%;GLD:21.1%;IEF:21.1%;TLT:14.0%;VOO:21.1%,US:65.4;EU:13.0;APAC:7.5;EM:9.5;Other:4.6,Value:+1.0;Growth:+1.0;Quality:+0.2;Size:+0.3;Momentum:+0.4;LowVol:-0.6,MaxPos5%,7,25,6.6,trailing 7%,173,25.8,Bear,26.4,3.62,2.6,188,-38,42,81,true,Rebalance,Rebalance back to target bands,5,5,BrokerB,MKT,94,Drift>tolerance,Reduce,Allocation drift beyond policy bands,112,-15,80,4,false,Increase defensive factor exposure
P2164,Active,Roth,USD,2025-02-05,1720039,160311,1559728,1.0,52.2,28.1,13.9,5.8,TSLA:17.3%;HYG:17.6%;AMZN:15.5%;VTI:20.2%;IEF:9.2%;BND:20.2%,US:66.4;EU:20.5;APAC:6.3;EM:4.7;Other:2.1,Value:+0.2;Growth:-0.6;Quality:-0.9;Size:-0.1;Momentum:+0.5;LowVol:-0.9,MaxPos7%,6,35,5.3,trailing 8%,163,20.3,Bull,16.7,4.27,3.4,90,78,100,34,false,Rebalance,Shift +1% to bonds from equity,35,-26,BrokerB,LMT,93,None,None,Normal monitoring,-60,-17,-27,4,false,Tax-aware sells next window
P2165,Hands-off,401k,USD,2025-10-30,196768,10255,186513,1.0,56.8,25.1,12.4,5.7,BND:33.3%;VNQ:33.3%;TSLA:33.3%,US:71.2;EU:13.5;APAC:10.1;EM:4.3;Other:0.8,Value:-0.6;Growth:-0.4;Quality:+0.6;Size:+0.5;Momentum:-0.9;LowVol:-0.6,,5,25,3.1,hard 10%,141,18.2,Sideways,18.7,4.09,2.4,125,16,72,52,false,Sell,Trim extended winner -1%,-12,-32,BrokerD,MKT,90,None,None,Normal monitoring,63,-53,171,4,false,Within IPS guidelines
P2166,Hands-off,IRA,USD,2025-06-28,622896,54310,568586,1.0,59.9,29.2,4.0,6.9,MSFT:35.1%;TSLA:29.7%;BRK.B:35.1%,US:62.4;EU:15.8;APAC:13.6;EM:5.5;Other:2.7,Value:-0.5;Growth:-0.5;Quality:-0.6;Size:-0.1;Momentum:-0.1;LowVol:+0.6,ESGOnly,8,30,4.3,trailing 8%,120,12.3,Volatile,29.8,3.91,2.6,111,70,71,83,true,Reduce,"Cut high-beta by 2-3%, add cash",20,6,BrokerC,MKT,100,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-60,-40,18,5,false,Within IPS guidelines
P2167,Active,Taxable,USD,2024-10-20,1367990,132880,1235110,1.0,58.4,22.8,8.8,9.9,MUB:20.8%;TSLA:26.5%;AAPL:11.1%;VNQ:15.1%;IEF:26.5%,US:74.1;EU:10.2;APAC:5.6;EM:7.6;Other:2.5,Value:-0.6;Growth:+0.1;Quality:+0.8;Size:-0.5;Momentum:+0.1;LowVol:-0.3,,7,30,5.8,trailing 8%,211,19.6,Sideways,21.4,4.41,2.5,104,17,69,66,false,Buy,Add to core equity +1%,-14,-15,BrokerB,VWAP,88,None,None,Normal monitoring,2,-4,17,4,false,Increase defensive factor exposure
P2168,Hands-off,Trust,USD,2024-10-02,589330,53876,535454,1.0,55.6,23.5,14.9,6.0,MUB:21.2%;XLF:22.9%;MSFT:27.9%;BND:27.9%,US:77.4;EU:9.8;APAC:6.7;EM:5.3;Other:0.8,Value:-0.4;Growth:-0.7;Quality:-0.7;Size:+0.2;Momentum:+0.8;LowVol:+0.6,,10,30,3.8,trailing 8%,152,17.7,Volatile,23.9,5.19,3.5,123,25,66,54,true,Hedge,Buy index puts 1% notional,30,-37,BrokerB,MKT,97,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-55,-13,12,4,false,Increase defensive factor exposure
P2169,Hands-off,401k,USD,2025-08-31,152462,9174,143288,1.0,72.7,19.0,1.2,7.2,IEF:27.9%;MUB:27.4%;HYG:27.9%;VOO:16.7%,US:68.0;EU:8.0;APAC:6.6;EM:14.4;Other:2.9,Value:-0.1;Growth:-0.3;Quality:+0.3;Size:-0.1;Momentum:-0.3;LowVol:+0.7,MaxPos6%,10,35,3.2,hard 10%,113,18.6,Volatile,23.6,4.19,4.5,124,53,65,63,false,Rebalance,Shift +1% to bonds from equity,4,14,BrokerB,LMT,90,None,None,Normal monitoring,-48,19,64,3,false,Tighten stops on momentum names
P2170,Cautious,IRA,USD,2025-01-17,337674,51093,286581,1.0,36.9,41.9,6.0,15.2,GLD:33.3%;BND:33.3%;AAPL:33.3%,US:65.7;EU:8.9;APAC:12.8;EM:8.2;Other:4.4,Value:+0.6;Growth:-0.2;Quality:-0.2;Size:-0.6;Momentum:+0.4;LowVol:+0.7,MaxPos7%;NoMargin,7,30,3.6,trailing 10%,131,17.0,Volatile,31.1,5.32,2.1,114,-34,37,73,true,Rebalance,Rebalance back to target bands,21,-18,BrokerD,LMT,98,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,115,-52,85,2,false,Within IPS guidelines
P2171,Active,Roth,USD,2024-10-17,1711637,187533,1524104,1.11,55.8,27.6,8.1,8.5,VNQ:14.1%;IEF:20.3%;QQQ:16.3%;XLF:12.7%;AMZN:20.3%;VOO:16.3%,US:68.3;EU:19.0;APAC:5.8;EM:3.3;Other:3.6,Value:+0.7;Growth:+0.9;Quality:-0.7;Size:-0.8;Momentum:+0.9;LowVol:-1.0,MaxPos6%;NoDerivatives,10,35,5.6,trailing 8%,152,20.6,Sideways,20.2,3.9,2.7,96,32,62,48,false,Rebalance,Shift +1% to bonds from equity,26,-34,BrokerC,VWAP,97,None,None,Normal monitoring,9,1,5,3,false,Within IPS guidelines
P2172,Systematic,401k,USD,2025-08-19,1102828,53206,1049622,1.0,55.8,29.3,6.2,8.7,IEF:21.1%;VOO:19.0%;VTI:15.0%;VNQ:16.6%;AMZN:7.4%;TSLA:20.9%,US:74.3;EU:6.5;APAC:9.7;EM:7.0;Other:2.5,Value:-0.3;Growth:-0.0;Quality:-0.5;Size:-0.6;Momentum:+0.1;LowVol:-0.6,MaxPos7%,7,35,5.5,trailing 8%,126,25.2,Bull,15.2,3.91,2.8,116,106,91,51,false,Hedge,Add TLT +1% as duration hedge,-4,-15,BrokerD,LMT,88,None,None,Normal monitoring,38,10,101,3,false,Monitor dispersion and breadth
P2173,Cautious,Taxable,USD,2025-09-07,242848,38566,204282,1.0,46.9,41.4,0.6,11.1,TLT:21.3%;VTI:21.3%;BRK.B:12.6%;GLD:16.1%;QQQ:16.2%;AAPL:12.6%,US:61.5;EU:10.3;APAC:13.5;EM:10.8;Other:3.9,Value:-0.9;Growth:-0.1;Quality:+0.1;Size:-0.7;Momentum:+0.6;LowVol:+0.2,NoMargin,5,25,5.1,hard 10%,114,13.9,Sideways,18.9,4.34,3.1,111,-4,42,36,false,Sell,Trim extended winner -1%,6,-34,BrokerA,LMT,95,None,None,Normal monitoring,-13,7,35,5,false,Increase defensive factor exposure
P2174,Hands-off,Trust,USD,2025-11-05,243353,13988,229365,1.0,56.6,17.4,19.1,6.9,VNQ:23.4%;IEF:17.6%;GLD:23.4%;VOO:23.4%;BRK.B:12.2%,US:70.7;EU:9.5;APAC:10.5;EM:5.7;Other:3.6,Value:+0.1;Growth:-0.2;Quality:+0.9;Size:+0.4;Momentum:+0.5;LowVol:-0.4,NoDerivatives,10,35,4.0,trailing 8%,168,12.9,Volatile,28.6,5.35,4.4,136,18,70,79,true,Hedge,Buy index puts 1% notional,6,-11,BrokerB,LMT,86,RegimeShift,Hedge,Volatility spike and breadth deterioration,89,-20,170,3,false,Tighten stops on momentum names
P2175,Cautious,IRA,USD,2024-11-13,778163,123248,654915,1.0,35.0,37.6,16.4,11.0,MSFT:14.1%;AMZN:15.6%;GLD:23.4%;TLT:23.4%;TSLA:23.4%,US:62.9;EU:17.3;APAC:9.8;EM:8.8;Other:1.2,Value:-0.3;Growth:-0.7;Quality:-0.6;Size:-0.4;Momentum:-0.3;LowVol:+0.1,ESGOnly;NoMargin,5,30,5.1,trailing 8%,115,17.1,Sideways,17.8,3.64,2.4,96,30,51,31,false,Buy,Add to core equity +1%,32,-6,BrokerC,LMT,97,None,None,Normal monitoring,-52,-18,-38,5,false,Tax-aware sells next window
P2176,Opportunistic,Taxable,USD,2025-12-17,692406,48268,644138,1.06,75.2,10.4,8.4,6.1,BND:12.4%;QQQ:20.3%;TLT:15.5%;IEF:20.6%;HYG:10.9%;MSFT:20.3%,US:65.9;EU:17.5;APAC:5.0;EM:8.2;Other:3.4,Value:-0.9;Growth:+0.7;Quality:+0.3;Size:+0.5;Momentum:+0.4;LowVol:+0.4,NoDerivatives,8,25,6.9,trailing 7%,240,20.3,Bull,16.2,3.85,2.6,100,34,53,65,false,Rebalance,Shift +1% to bonds from equity,23,-36,BrokerA,VWAP,88,None,None,Normal monitoring,90,8,60,4,false,Increase defensive factor exposure
P2177,Cautious,Roth,USD,2025-11-04,764381,120031,644350,1.0,40.0,31.2,18.8,10.0,BRK.B:12.1%;BND:25.4%;VNQ:14.2%;QQQ:22.8%;TSLA:25.4%,US:65.9;EU:14.5;APAC:7.2;EM:8.8;Other:3.5,Value:+0.4;Growth:-0.8;Quality:+0.8;Size:+0.7;Momentum:-1.0;LowVol:+0.7,ESGOnly;NoDerivatives;NoMargin,10,30,4.8,trailing 8%,121,18.4,Bear,23.9,3.47,2.6,139,-103,13,41,false,Rebalance,Shift +1% to bonds from equity,16,-3,BrokerA,VWAP,93,None,None,Normal monitoring,-6,-12,102,3,false,Within IPS guidelines
P2178,Hands-off,Roth,USD,2025-03-04,851366,70006,781360,1.0,68.5,18.9,6.4,6.2,QQQ:25.1%;BRK.B:25.1%;XLF:24.6%;IEF:25.1%,US:67.7;EU:13.6;APAC:8.6;EM:6.7;Other:3.4,Value:+0.9;Growth:-0.5;Quality:+0.8;Size:+0.5;Momentum:-1.0;LowVol:+0.2,,7,30,4.0,trailing 8%,95,12.6,Sideways,17.9,4.05,2.4,116,1,57,55,false,NoAction,Within bands; monitor,21,-10,BrokerD,MKT,0,None,None,Normal monitoring,-8,4,29,4,false,Tighten stops on momentum names
P2179,Cautious,IRA,USD,2025-01-01,208526,16974,191552,1.0,50.1,30.5,5.1,14.3,XLF:35.3%;TSLA:29.4%;MSFT:35.3%,US:66.1;EU:7.2;APAC:12.4;EM:11.6;Other:2.8,Value:-0.6;Growth:-0.7;Quality:0.0;Size:+0.3;Momentum:+1.0;LowVol:+0.6,ESGOnly;MaxPos7%;NoMargin,7,35,4.7,trailing 10%,167,17.4,Bull,13.6,3.62,2.3,107,104,100,46,false,NoAction,Within bands; monitor,20,-7,BrokerD,LMT,96,None,None,Normal monitoring,-37,-9,3,5,false,Tighten stops on momentum names
P2180,Hands-off,IRA,USD,2025-08-25,295979,16501,279478,1.0,68.4,23.4,0.0,8.3,IEF:22.1%;XLF:17.1%;BRK.B:16.7%;MUB:22.1%;BND:22.1%,US:66.8;EU:15.4;APAC:11.2;EM:4.7;Other:2.0,Value:+0.4;Growth:-0.1;Quality:-0.8;Size:+0.4;Momentum:+0.5;LowVol:-0.3,,6,35,3.3,trailing 8%,167,12.6,Bear,22.2,3.39,1.4,178,-66,26,66,false,Sell,Trim extended winner -1%,-1,-1,BrokerA,MKT,87,None,None,Normal monitoring,30,0,94,4,false,Tax-aware sells next window
P2181,Opportunistic,IRA,USD,2025-06-30,1480764,112084,1368680,1.0,65.0,14.1,14.4,6.6,QQQ:24.5%;VOO:24.5%;HYG:13.8%;GLD:21.6%;BND:15.6%,US:71.0;EU:8.2;APAC:5.7;EM:10.4;Other:4.6,Value:-0.8;Growth:-0.4;Quality:+0.3;Size:+0.5;Momentum:+0.2;LowVol:-0.3,MaxPos8%,8,25,6.2,trailing 7%,267,33.2,Bull,17.8,3.98,2.4,105,39,55,52,false,Buy,Add to core equity +1%,14,-40,BrokerA,MKT,97,None,None,Normal monitoring,103,12,76,3,false,Tighten stops on momentum names
P2182,Active,Roth,USD,2025-06-24,1467770,108476,1359294,1.0,61.2,30.3,0.0,8.5,TSLA:30.9%;GLD:34.6%;TLT:34.6%,US:61.2;EU:13.0;APAC:13.3;EM:9.8;Other:2.9,Value:+0.9;Growth:+0.6;Quality:+1.0;Size:+0.9;Momentum:+0.4;LowVol:-0.9,NoDerivatives,10,25,5.8,trailing 8%,146,23.8,Bull,15.9,4.68,3.5,115,115,100,46,false,Hedge,Add TLT +1% as duration hedge,-4,-4,BrokerC,MKT,100,None,None,Normal monitoring,65,16,59,3,false,Tighten stops on momentum names
P2183,Systematic,Roth,USD,2025-10-21,1787109,132109,1655000,1.0,59.5,34.2,0.0,6.4,TLT:8.8%;BRK.B:21.5%;VTI:8.3%;VNQ:21.5%;AAPL:19.4%;GLD:20.5%,US:67.5;EU:6.9;APAC:17.2;EM:7.2;Other:1.2,Value:-0.9;Growth:-0.9;Quality:+0.9;Size:+0.8;Momentum:+0.9;LowVol:-0.1,,5,25,5.0,hard 12%,211,27.6,Bull,16.2,4.08,3.2,113,118,100,46,false,Rebalance,Shift +1% to bonds from equity,-2,-4,BrokerB,MKT,97,None,None,Normal monitoring,-28,20,22,3,false,Tax-aware sells next window
P2184,Cautious,Trust,USD,2024-07-21,338789,51550,287239,1.0,47.0,35.4,1.8,15.8,MSFT:33.3%;QQQ:33.3%;VNQ:33.3%,US:68.2;EU:5.6;APAC:14.3;EM:11.1;Other:0.7,Value:+0.7;Growth:+0.7;Quality:+0.9;Size:-0.6;Momentum:+0.7;LowVol:+0.6,NoMargin,5,35,3.7,hard 10%,119,17.2,Bull,11.5,4.43,2.7,115,108,90,37,false,Sell,Trim extended winner -1%,12,-16,BrokerD,LMT,92,None,None,Normal monitoring,-5,-30,130,3,false,Increase defensive factor exposure
P2185,Hands-off,IRA,USD,2025-10-06,638866,35420,603446,1.0,65.5,20.2,4.9,9.3,IEF:30.9%;VTI:34.5%;BRK.B:34.5%,US:63.6;EU:16.3;APAC:7.7;EM:9.5;Other:2.9,Value:+0.4;Growth:+0.6;Quality:-0.3;Size:-0.6;Momentum:+0.9;LowVol:-0.9,ESGOnly;NoDerivatives,10,35,4.7,trailing 8%,142,19.4,Bear,32.2,3.62,3.0,136,-70,6,87,true,Rebalance,Rebalance back to target bands,-4,-14,BrokerA,LMT,100,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-35,-34,53,3,false,Tax-aware sells next window
P2186,Cautious,IRA,USD,2025-08-21,461289,69829,391460,1.0,41.7,43.8,0.0,14.5,MUB:19.3%;TSLA:25.6%;VNQ:27.6%;VTI:27.6%,US:72.2;EU:6.8;APAC:13.1;EM:4.8;Other:3.1,Value:-0.8;Growth:+0.7;Quality:+0.5;Size:-0.9;Momentum:-0.1;LowVol:+0.2,ESGOnly;MaxPos8%;NoMargin,7,35,3.6,trailing 8%,157,14.0,Volatile,21.0,4.23,3.0,129,78,93,47,false,Rebalance,Shift +1% to bonds from equity,18,1,BrokerD,MKT,96,None,None,Normal monitoring,-44,-10,-54,3,false,Monitor dispersion and breadth
P2187,Cautious,401k,USD,2024-07-30,604353,63658,540695,1.0,37.8,33.5,11.6,17.2,XLF:25.9%;VNQ:25.9%;IEF:22.2%;TLT:25.9%,US:67.5;EU:18.1;APAC:7.6;EM:5.1;Other:1.6,Value:-0.3;Growth:0.0;Quality:+0.9;Size:+0.9;Momentum:-0.9;LowVol:+0.8,ESGOnly;NoMargin,8,30,4.2,trailing 8%,106,17.8,Volatile,26.5,5.23,2.4,135,-16,38,48,false,Sell,Trim extended winner -1%,-4,-34,BrokerB,VWAP,92,None,None,Normal monitoring,59,-34,173,5,false,Monitor dispersion and breadth
P2188,Active,IRA,USD,2025-11-24,2059507,176060,1883447,1.22,53.1,18.8,18.3,9.8,MUB:33.3%;AAPL:33.3%;MSFT:33.3%,US:69.7;EU:10.2;APAC:11.6;EM:5.6;Other:2.9,Value:-0.7;Growth:-1.0;Quality:-0.7;Size:+0.3;Momentum:+0.1;LowVol:-1.0,,7,30,4.2,hard 12%,129,20.5,Bear,23.9,3.93,1.8,171,-4,36,55,false,NoAction,Within bands; monitor,22,-10,BrokerD,LMT,93,None,None,Normal monitoring,100,14,175,4,false,Tighten stops on momentum names
P2189,Systematic,IRA,USD,2025-08-11,1283398,109231,1174167,1.0,55.2,27.8,8.8,8.3,VTI:33.3%;VOO:33.3%;GLD:33.3%,US:64.1;EU:11.1;APAC:10.3;EM:11.6;Other:2.9,Value:-0.7;Growth:-0.7;Quality:+0.7;Size:+0.6;Momentum:+0.6;LowVol:+0.8,MaxPos5%,10,35,4.1,trailing 8%,163,21.4,Volatile,21.2,5.44,3.1,139,1,55,50,true,Reduce,"Cut high-beta by 2-3%, add cash",-2,-3,BrokerC,MKT,87,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-6,-39,31,2,false,Monitor dispersion and breadth
P2190,Hands-off,IRA,USD,2025-05-23,351068,27800,323268,1.0,68.4,25.1,0.0,6.5,QQQ:13.2%;VNQ:21.6%;BRK.B:11.0%;BND:21.6%;VOO:11.1%;AAPL:21.6%,US:69.2;EU:13.4;APAC:8.0;EM:7.3;Other:2.1,Value:-0.5;Growth:+0.4;Quality:-0.1;Size:-0.1;Momentum:+0.6;LowVol:-0.0,MaxPos5%,6,35,4.2,hard 10%,128,15.4,Sideways,19.7,4.95,3.1,134,55,90,68,false,Sell,Trim extended winner -1%,9,-17,BrokerC,MKT,85,None,None,Normal monitoring,52,-23,66,4,false,Increase defensive factor exposure
P2191,Hands-off,Roth,USD,2025-03-17,819344,50873,768471,1.0,63.5,19.1,11.6,5.8,HYG:29.9%;VOO:35.0%;VNQ:35.0%,US:71.0;EU:11.8;APAC:7.1;EM:8.5;Other:1.6,Value:-0.3;Growth:-0.1;Quality:-0.4;Size:-0.2;Momentum:-0.6;LowVol:-0.1,NoDerivatives,8,35,4.3,hard 10%,138,12.9,Bear,33.3,4.44,2.0,141,-76,13,91,true,Hedge,Buy index puts 1% notional,19,-39,BrokerC,LMT,97,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,103,-15,63,2,false,Increase defensive factor exposure
P2192,Hands-off,Taxable,USD,2025-05-11,494966,40614,454352,1.0,60.7,18.4,12.8,8.0,TLT:22.4%;IEF:17.9%;VTI:13.7%;AMZN:10.7%;MUB:12.8%;GLD:22.4%,US:71.1;EU:7.1;APAC:11.7;EM:10.0;Other:0.1,Value:0.0;Growth:-0.5;Quality:-0.6;Size:-0.5;Momentum:-0.8;LowVol:+0.2,ESGOnly,6,35,3.4,trailing 8%,95,15.9,Bear,34.3,3.73,1.5,148,-30,26,75,true,Reduce,"Cut high-beta by 2-3%, add cash",-15,-14,BrokerB,LMT,98,VAR>budget,TightenStops,Risk above budget threshold,92,-13,114,3,true,Within IPS guidelines
P2193,Active,Taxable,USD,2024-12-19,1560433,99602,1460831,1.0,51.0,21.6,19.1,8.3,GLD:23.1%;VTI:12.4%;MSFT:23.1%;TLT:23.1%;TSLA:18.3%,US:59.2;EU:9.1;APAC:15.7;EM:13.2;Other:2.8,Value:+0.3;Growth:+0.7;Quality:-0.3;Size:+0.5;Momentum:-0.7;LowVol:+0.7,MaxPos5%,7,25,5.9,trailing 8%,213,22.1,Bull,15.1,4.68,2.9,75,64,94,46,false,Buy,Add to core equity +1%,7,11,BrokerC,MKT,94,None,None,Normal monitoring,-21,-34,114,4,false,Tax-aware sells next window
P2194,Hands-off,401k,USD,2025-01-17,440769,39396,401373,1.0,58.1,23.7,9.1,9.0,BRK.B:11.3%;VNQ:24.2%;AMZN:12.7%;IEF:15.6%;TSLA:12.0%;VOO:24.2%,US:64.6;EU:13.7;APAC:11.7;EM:5.8;Other:4.3,Value:-0.5;Growth:+0.3;Quality:+0.9;Size:+0.1;Momentum:+0.9;LowVol:0.0,ESGOnly,5,35,4.3,hard 10%,149,12.0,Sideways,16.9,3.79,2.1,122,-13,29,41,false,Rebalance,Shift +1% to bonds from equity,0,10,BrokerD,MKT,87,None,None,Normal monitoring,119,-2,92,5,false,Tax-aware sells next window
P2195,Active,Taxable,USD,2024-11-01,2316893,267732,2049161,1.0,55.9,20.1,16.5,7.5,QQQ:33.3%;MUB:33.3%;AMZN:33.3%,US:60.8;EU:9.4;APAC:15.2;EM:13.4;Other:1.3,Value:+0.1;Growth:-0.4;Quality:-0.2;Size:-0.3;Momentum:-0.9;LowVol:-1.0,,5,30,4.2,trailing 8%,159,20.7,Bull,12.0,4.59,2.9,119,87,89,43,false,Buy,Add to core equity +1%,32,9,BrokerC,VWAP,90,None,None,Normal monitoring,-30,-16,95,4,false,Monitor dispersion and breadth
P2196,Hands-off,IRA,USD,2025-02-06,259406,15990,243416,1.0,65.0,27.0,0.0,8.1,XLF:20.9%;GLD:26.4%;TSLA:26.4%;AAPL:26.4%,US:63.8;EU:7.7;APAC:16.6;EM:11.2;Other:0.8,Value:-0.0;Growth:+0.7;Quality:0.0;Size:-0.0;Momentum:-0.1;LowVol:+0.7,,6,35,4.6,trailing 10%,100,19.4,Sideways,21.2,4.75,2.3,125,-6,46,55,false,Rebalance,Shift +1% to bonds from equity,3,-19,BrokerB,MKT,88,None,None,Normal monitoring,13,-34,40,3,false,Monitor dispersion and breadth
P2197,Cautious,IRA,USD,2024-10-26,174699,22691,152008,1.0,44.1,42.3,0.0,13.5,AAPL:33.3%;AMZN:33.3%;VTI:33.3%,US:62.3;EU:20.7;APAC:9.4;EM:3.8;Other:3.9,Value:-1.0;Growth:-0.4;Quality:+0.8;Size:-0.8;Momentum:-0.5;LowVol:+0.6,NoMargin,8,25,5.3,trailing 8%,107,14.7,Volatile,21.5,4.15,3.2,165,44,60,44,false,Sell,Trim extended winner -1%,28,-12,BrokerB,MKT,99,None,None,Normal monitoring,-53,-46,-59,4,false,Within IPS guidelines
P2198,Active,Trust,USD,2025-05-26,1166883,100988,1065895,1.0,67.5,20.5,6.1,5.9,TLT:20.8%;HYG:14.4%;VOO:19.7%;IEF:11.8%;QQQ:16.2%;VTI:17.1%,US:74.8;EU:5.2;APAC:7.3;EM:9.9;Other:2.8,Value:-0.2;Growth:-0.4;Quality:+0.9;Size:+0.1;Momentum:-0.6;LowVol:+0.1,,5,25,5.4,trailing 9%,125,23.1,Bear,24.6,4.42,1.5,131,12,56,62,true,Rebalance,Rebalance back to target bands,23,-10,BrokerB,MKT,92,VAR>budget,Hedge,Risk above budget threshold,59,-51,109,2,false,Tighten stops on momentum names
P2199,Systematic,IRA,USD,2024-10-01,545486,24073,521413,1.0,56.0,23.0,11.5,9.5,AMZN:12.9%;BND:23.0%;AAPL:14.4%;MSFT:17.2%;IEF:23.0%;TLT:9.6%,US:64.5;EU:10.0;APAC:14.3;EM:10.5;Other:0.6,Value:-0.8;Growth:-0.2;Quality:+0.1;Size:+0.9;Momentum:-0.7;LowVol:-0.9,NoDerivatives,5,25,4.6,trailing 9%,130,17.1,Bear,25.8,4.44,2.3,189,-116,5,64,false,NoAction,Within bands; monitor,16,10,BrokerA,LMT,89,None,None,Normal monitoring,-56,19,30,3,false,Within IPS guidelines
P2200,Active,Roth,USD,2025-03-17,885429,68231,817198,1.0,65.2,19.1,8.1,7.6,AMZN:21.7%;GLD:14.4%;MSFT:12.4%;XLF:14.7%;IEF:15.1%;QQQ:21.7%,US:68.5;EU:10.6;APAC:12.3;EM:6.7;Other:1.8,Value:+0.6;Growth:+0.6;Quality:+0.5;Size:-0.4;Momentum:+0.2;LowVol:+0.2,NoDerivatives,5,25,4.5,trailing 9%,230,20.5,Sideways,18.4,4.64,2.8,97,55,84,61,false,Buy,Add to core equity +1%,3,-16,BrokerC,VWAP,100,None,None,Normal monitoring,38,-9,55,4,false,Tax-aware sells next window
P2201,Opportunistic,IRA,USD,2025-07-30,952470,83138,869332,1.21,62.9,21.7,10.1,5.3,IEF:33.3%;XLF:33.3%;MUB:33.3%,US:65.9;EU:16.6;APAC:11.2;EM:4.0;Other:2.2,Value:+0.8;Growth:+0.4;Quality:+1.0;Size:-0.4;Momentum:+0.4;LowVol:-0.3,,6,35,5.5,trailing 7%,249,26.2,Bull,11.9,3.97,2.6,112,70,88,44,false,Buy,Add to core equity +1%,12,-22,BrokerA,MKT,91,None,None,Normal monitoring,85,18,131,5,false,Increase defensive factor exposure
P2202,Active,Taxable,USD,2024-09-30,1753819,144478,1609341,1.14,60.7,21.4,10.1,7.8,XLF:17.1%;TSLA:14.6%;BND:19.4%;MSFT:15.9%;VTI:19.5%;TLT:13.5%,US:58.4;EU:19.7;APAC:12.4;EM:6.3;Other:3.2,Value:-0.6;Growth:+0.2;Quality:0.0;Size:+0.9;Momentum:+0.5;LowVol:-0.6,MaxPos7%,7,30,5.0,trailing 9%,181,21.8,Bull,14.9,4.09,3.1,78,44,71,53,false,Buy,Add to core equity +1%,-13,9,BrokerA,LMT,94,None,None,Normal monitoring,50,-35,121,5,false,Tax-aware sells next window
P2203,Cautious,Taxable,USD,2025-11-13,271517,24133,247384,1.0,49.9,39.9,0.0,10.2,AAPL:19.4%;BRK.B:23.0%;GLD:20.7%;QQQ:13.9%;HYG:23.0%,US:75.8;EU:10.9;APAC:5.6;EM:5.5;Other:2.3,Value:-0.4;Growth:-0.9;Quality:+0.2;Size:-0.5;Momentum:-0.0;LowVol:+0.8,NoDerivatives;NoMargin,5,35,5.9,trailing 10%,135,14.7,Bear,25.5,3.82,2.8,132,6,67,70,false,Rebalance,Shift +1% to bonds from equity,-8,-20,BrokerC,MKT,86,None,None,Normal monitoring,-28,0,27,4,false,Tax-aware sells next window
P2204,Hands-off,Trust,USD,2024-07-21,465409,44172,421237,1.0,67.5,25.1,0.0,7.3,MUB:21.1%;BRK.B:16.7%;GLD:21.1%;HYG:21.1%;TLT:9.2%;AAPL:10.7%,US:68.7;EU:7.1;APAC:6.2;EM:13.8;Other:4.2,Value:+0.1;Growth:+1.0;Quality:+0.6;Size:+0.1;Momentum:+0.8;LowVol:-0.2,NoDerivatives,5,30,4.7,hard 10%,144,17.0,Bull,15.1,4.34,2.6,104,90,91,60,false,NoAction,Within bands; monitor,26,-9,BrokerD,MKT,0,None,None,Normal monitoring,24,-7,91,5,false,Within IPS guidelines
P2205,Cautious,Trust,USD,2024-09-07,478139,51286,426853,1.0,50.8,30.7,6.4,12.0,HYG:13.8%;BRK.B:23.6%;AMZN:23.2%;VOO:15.9%;TSLA:23.6%,US:73.0;EU:10.8;APAC:9.2;EM:6.3;Other:0.6,Value:-0.6;Growth:-0.9;Quality:-0.2;Size:-0.6;Momentum:+0.8;LowVol:+0.8,NoMargin,7,25,4.2,trailing 8%,101,12.1,Bear,30.7,4.23,1.4,212,-15,52,78,true,Rebalance,Rebalance back to target bands,-7,-14,BrokerA,LMT,99,VAR>budget,Hedge,Risk above budget threshold,-3,-38,92,2,false,Within IPS guidelines
P2206,Hands-off,Taxable,USD,2025-12-17,157454,15655,141799,1.0,70.6,22.2,1.2,5.9,MSFT:22.5%;BRK.B:17.8%;QQQ:13.0%;AAPL:22.5%;VNQ:7.1%;BND:17.2%,US:74.4;EU:5.6;APAC:12.0;EM:3.7;Other:4.3,Value:+0.4;Growth:-0.2;Quality:-0.2;Size:-0.7;Momentum:-1.0;LowVol:+0.1,ESGOnly;MaxPos5%,7,30,5.0,trailing 10%,166,14.3,Sideways,21.3,4.85,2.9,131,46,74,60,false,Rebalance,Shift +1% to bonds from equity,12,-1,BrokerB,MKT,95,None,None,Normal monitoring,92,-47,157,5,false,Within IPS guidelines
P2207,Cautious,Roth,USD,2025-12-05,876685,79624,797061,1.0,42.9,35.2,11.0,10.9,MSFT:14.1%;AAPL:28.6%;HYG:28.6%;QQQ:28.6%,US:69.7;EU:12.5;APAC:12.1;EM:5.0;Other:0.7,Value:-0.8;Growth:+0.5;Quality:-0.4;Size:+0.3;Momentum:-0.8;LowVol:+0.6,ESGOnly;MaxPos8%;NoDerivatives;NoMargin,5,25,3.8,hard 10%,119,14.5,Volatile,24.1,5.11,3.2,135,-31,35,44,false,Buy,Add to core equity +1%,-11,-9,BrokerC,MKT,92,None,None,Normal monitoring,-5,-54,33,4,false,Within IPS guidelines
P2208,Systematic,Roth,USD,2024-07-04,1530282,85400,1444882,1.0,58.2,28.4,3.7,9.7,TLT:18.9%;MUB:10.8%;VTI:23.6%;AMZN:23.0%;HYG:23.6%,US:71.1;EU:10.5;APAC:7.6;EM:6.3;Other:4.5,Value:-0.6;Growth:-0.6;Quality:-0.6;Size:-1.0;Momentum:+0.7;LowVol:-0.6,,6,35,4.3,trailing 9%,209,16.9,Bull,11.9,3.98,3.5,113,57,71,32,false,Rebalance,Shift +1% to bonds from equity,-12,-7,BrokerB,MKT,96,None,None,Normal monitoring,18,-37,120,3,false,Tighten stops on momentum names
P2209,Hands-off,Trust,USD,2025-05-31,455775,22631,433144,1.0,56.7,26.8,8.0,8.4,VNQ:19.5%;VTI:16.4%;BND:17.7%;IEF:16.1%;VOO:17.5%;TLT:12.8%,US:68.4;EU:13.2;APAC:12.9;EM:3.9;Other:1.5,Value:+0.1;Growth:-0.2;Quality:-0.2;Size:+0.4;Momentum:+0.3;LowVol:+0.3,ESGOnly;MaxPos8%,6,30,4.2,trailing 8%,97,16.9,Volatile,20.5,4.84,3.2,111,63,79,64,false,NoAction,Within bands; monitor,22,8,BrokerA,MKT,0,None,None,Normal monitoring,61,-60,35,3,false,Tax-aware sells next window
P2210,Hands-off,Trust,USD,2025-09-20,875792,41748,834044,1.0,62.2,28.7,0.0,9.1,VNQ:29.3%;TLT:29.3%;TSLA:29.3%;BRK.B:12.2%,US:62.8;EU:16.2;APAC:14.4;EM:6.0;Other:0.6,Value:-0.9;Growth:+0.8;Quality:-0.5;Size:+0.5;Momentum:+0.6;LowVol:+0.5,ESGOnly,10,25,4.1,trailing 8%,144,12.3,Sideways,21.5,4.11,2.5,122,-2,50,56,false,Buy,Add to core equity +1%,13,4,BrokerC,LMT,97,None,None,Normal monitoring,108,-36,232,4,false,Within IPS guidelines
P2211,Active,Roth,USD,2025-11-27,1128435,74966,1053469,1.0,50.8,24.4,15.0,9.8,BND:33.3%;HYG:33.3%;IEF:33.3%,US:70.1;EU:18.7;APAC:4.9;EM:5.5;Other:0.8,Value:-1.0;Growth:-0.3;Quality:-0.2;Size:-0.1;Momentum:-1.0;LowVol:-0.7,MaxPos6%,10,35,5.8,hard 12%,185,16.6,Volatile,24.9,5.08,2.1,134,28,75,61,false,Rebalance,Shift +1% to bonds from equity,33,-38,BrokerC,LMT,91,None,None,Normal monitoring,111,-51,172,4,false,Monitor dispersion and breadth
P2212,Systematic,401k,USD,2025-06-29,735714,43794,691920,1.0,65.1,24.1,3.4,7.3,GLD:23.4%;HYG:19.4%;BND:12.3%;VTI:21.4%;AAPL:23.4%,US:68.6;EU:11.0;APAC:13.2;EM:5.4;Other:1.9,Value:+0.2;Growth:+0.6;Quality:-0.1;Size:+0.3;Momentum:-1.0;LowVol:+0.4,NoDerivatives,6,25,5.3,trailing 8%,139,27.6,Sideways,18.1,4.29,2.0,90,1,63,61,false,Buy,Add to core equity +1%,-2,-12,BrokerA,MKT,91,None,None,Normal monitoring,111,-24,154,4,false,Within IPS guidelines
P2213,Active,Roth,USD,2025-11-23,1621889,106572,1515317,1.0,58.2,31.6,3.6,6.5,VTI:26.6%;AMZN:26.6%;QQQ:26.4%;GLD:20.3%,US:76.6;EU:10.6;APAC:6.2;EM:6.4;Other:0.2,Value:+1.0;Growth:-0.2;Quality:-0.8;Size:+0.2;Momentum:-0.6;LowVol:-0.9,,8,30,5.4,trailing 9%,136,22.4,Bear,25.8,3.34,2.6,162,-32,32,63,false,Sell,Trim extended winner -1%,6,-6,BrokerD,LMT,95,None,None,Normal monitoring,82,-29,99,5,false,Within IPS guidelines
P2214,Active,IRA,USD,2025-02-03,890628,68056,822572,1.0,67.2,18.1,5.5,9.1,XLF:12.7%;TLT:14.3%;AAPL:15.3%;TSLA:10.7%;BND:23.5%;VTI:23.5%,US:63.1;EU:16.5;APAC:10.4;EM:6.2;Other:3.8,Value:+1.0;Growth:-0.1;Quality:+0.3;Size:+0.3;Momentum:-0.3;LowVol:+0.7,MaxPos6%,7,35,4.7,trailing 8%,157,23.0,Volatile,25.1,4.03,3.2,171,-60,9,67,false,Buy,Add to core equity +1%,34,-17,BrokerD,LMT,95,None,None,Normal monitoring,-58,-24,13,4,false,Increase defensive factor exposure
P2215,Cautious,IRA,USD,2024-10-15,845287,90200,755087,1.0,41.6,40.1,6.0,12.2,AMZN:12.7%;MUB:22.6%;XLF:22.6%;TLT:22.6%;VTI:19.6%,US:62.3;EU:15.8;APAC:15.3;EM:4.1;Other:2.4,Value:+0.7;Growth:+0.3;Quality:+0.3;Size:-0.3;Momentum:+0.4;LowVol:+0.7,ESGOnly;NoMargin,8,25,4.5,trailing 8%,99,18.6,Bull,12.8,3.57,3.3,101,63,70,40,true,Hedge,Buy index puts 1% notional,21,-38,BrokerB,LMT,97,VAR>budget,Hedge,Risk above budget threshold,105,-23,104,4,false,Tax-aware sells next window
P2216,Opportunistic,Trust,USD,2025-11-25,865788,60514,805274,1.0,69.8,21.8,3.3,5.1,VNQ:31.7%;TSLA:34.2%;VOO:34.2%,US:75.2;EU:6.2;APAC:8.2;EM:7.5;Other:2.9,Value:-0.1;Growth:+0.5;Quality:+0.2;Size:+0.3;Momentum:-0.1;LowVol:+0.7,NoDerivatives,8,25,7.0,trailing 7%,178,24.1,Volatile,23.3,4.75,4.1,112,20,48,72,true,Hedge,Buy index puts 1% notional,-2,-38,BrokerC,VWAP,89,VAR>budget,Hedge,Risk above budget threshold,-24,-40,54,3,true,Tighten stops on momentum names
P2217,Opportunistic,Taxable,USD,2025-01-23,366525,23646,342879,1.0,68.2,12.9,13.6,5.3,BRK.B:26.5%;GLD:26.5%;QQQ:20.6%;HYG:26.5%,US:78.7;EU:5.3;APAC:7.0;EM:7.3;Other:1.8,Value:+0.5;Growth:-0.4;Quality:+0.6;Size:-0.7;Momentum:-0.6;LowVol:+0.3,,8,30,6.4,trailing 9%,165,25.2,Volatile,26.8,4.07,3.8,170,-31,27,65,false,Rebalance,Shift +1% to bonds from equity,17,-29,BrokerC,VWAP,90,None,None,Normal monitoring,107,-46,82,3,false,Increase defensive factor exposure
P2218,Systematic,Roth,USD,2025-04-09,1358321,69978,1288343,1.0,61.5,29.9,0.0,8.6,GLD:20.9%;QQQ:15.4%;HYG:17.0%;VTI:21.5%;TSLA:25.2%,US:67.9;EU:10.9;APAC:7.0;EM:11.4;Other:2.8,Value:-0.6;Growth:+0.8;Quality:+0.1;Size:-0.2;Momentum:-0.7;LowVol:+0.4,MaxPos8%;NoDerivatives,7,35,4.6,trailing 8%,192,27.4,Volatile,31.8,4.63,3.4,142,-6,41,89,true,Hedge,Buy index puts 1% notional,20,8,BrokerA,LMT,96,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,90,-10,141,5,false,Within IPS guidelines
P2219,Opportunistic,401k,USD,2024-12-22,1798498,65067,1733431,1.0,76.2,12.1,4.0,7.7,GLD:33.3%;VOO:33.3%;XLF:33.3%,US:70.7;EU:7.8;APAC:12.6;EM:6.0;Other:3.0,Value:-0.4;Growth:-0.5;Quality:+0.3;Size:+0.9;Momentum:-0.8;LowVol:-0.2,MaxPos7%,8,35,5.6,trailing 7%,210,23.4,Bull,17.6,3.75,3.3,93,14,55,54,false,NoAction,Within bands; monitor,-8,-21,BrokerA,MKT,0,None,None,Normal monitoring,-25,9,11,5,false,Increase defensive factor exposure
P2220,Hands-off,IRA,USD,2025-02-08,535524,42942,492582,1.0,71.9,15.1,4.8,8.1,AAPL:24.7%;TSLA:14.5%;BRK.B:23.4%;VTI:24.7%;GLD:12.7%,US:63.9;EU:14.3;APAC:11.5;EM:6.0;Other:4.3,Value:-0.6;Growth:+0.8;Quality:-0.2;Size:-0.3;Momentum:+0.8;LowVol:+0.3,,10,25,5.5,trailing 10%,110,19.3,Bear,23.3,4.35,1.1,186,-30,46,60,false,Rebalance,Shift +1% to bonds from equity,-2,6,BrokerB,MKT,91,None,None,Normal monitoring,2,14,4,5,false,Monitor dispersion and breadth
P2221,Hands-off,Taxable,USD,2024-11-05,861443,81594,779849,1.0,60.1,17.0,15.3,7.5,AMZN:21.9%;MUB:29.2%;HYG:19.7%;TLT:29.2%,US:69.2;EU:10.5;APAC:10.6;EM:5.9;Other:3.7,Value:+1.0;Growth:+0.7;Quality:+0.5;Size:+0.6;Momentum:-0.9;LowVol:-0.5,,8,25,4.9,trailing 10%,92,15.9,Bull,16.0,4.02,2.3,97,79,75,38,false,Rebalance,Shift +1% to bonds from equity,16,-2,BrokerC,VWAP,88,None,None,Normal monitoring,111,-12,181,4,false,Tax-aware sells next window
P2222,Systematic,Trust,USD,2024-11-11,1865254,81059,1784195,1.0,63.4,31.4,0.0,5.3,QQQ:27.7%;TLT:27.7%;GLD:16.9%;IEF:27.7%,US:74.6;EU:7.7;APAC:10.2;EM:7.1;Other:0.5,Value:-0.4;Growth:-0.6;Quality:-0.7;Size:+0.7;Momentum:+0.9;LowVol:+0.8,MaxPos5%;NoDerivatives,7,25,4.6,trailing 9%,139,24.8,Bear,27.9,4.05,1.3,140,-3,46,82,true,Reduce,"Cut high-beta by 2-3%, add cash",-6,-1,BrokerA,LMT,85,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,52,19,58,5,true,Within IPS guidelines
P2223,Active,401k,USD,2025-03-07,602544,40223,562321,1.0,66.2,22.5,4.1,7.2,HYG:33.8%;VTI:33.8%;IEF:32.5%,US:70.3;EU:10.2;APAC:8.8;EM:6.7;Other:4.0,Value:-0.1;Growth:-0.8;Quality:-0.1;Size:+0.6;Momentum:+0.4;LowVol:+0.7,,10,35,4.5,trailing 9%,166,20.0,Bull,15.3,4.53,3.5,74,91,94,57,false,Rebalance,Shift +1% to bonds from equity,27,2,BrokerD,MKT,97,None,None,Normal monitoring,48,-9,90,4,false,Tighten stops on momentum names
P2224,Systematic,IRA,USD,2025-09-08,1778991,166279,1612712,1.0,67.8,20.5,4.8,6.8,BND:21.9%;XLF:21.9%;VTI:21.9%;MSFT:12.4%;MUB:21.9%,US:67.0;EU:11.4;APAC:9.1;EM:8.7;Other:3.8,Value:+0.8;Growth:+0.3;Quality:+0.1;Size:-0.8;Momentum:+0.6;LowVol:+1.0,MaxPos6%;NoDerivatives,5,25,4.4,trailing 9%,184,25.7,Bear,22.0,3.47,2.6,166,-120,5,71,true,Rebalance,Rebalance back to target bands,28,-5,BrokerD,MKT,90,RegimeShift,Pause,Volatility spike and breadth deterioration,23,9,144,3,false,Tighten stops on momentum names
P2225,Active,401k,USD,2024-10-05,556130,59802,496328,1.0,54.9,21.5,18.5,5.1,BND:26.3%;QQQ:23.9%;AMZN:26.3%;BRK.B:23.6%,US:62.7;EU:13.4;APAC:10.1;EM:11.1;Other:2.7,Value:+0.1;Growth:-0.4;Quality:+0.5;Size:+0.6;Momentum:-0.6;LowVol:-1.0,,10,25,5.0,hard 12%,219,18.6,Bull,16.2,3.69,2.4,85,81,81,40,false,Rebalance,Shift +1% to bonds from equity,17,-4,BrokerD,MKT,88,None,None,Normal monitoring,-50,14,67,4,false,Tighten stops on momentum names
P2226,Hands-off,Roth,USD,2025-06-30,177762,8235,169527,1.0,63.8,27.6,0.0,8.6,VTI:33.3%;QQQ:33.3%;BND:33.3%,US:69.3;EU:11.4;APAC:7.6;EM:9.6;Other:2.2,Value:+0.8;Growth:+0.5;Quality:-0.5;Size:+0.3;Momentum:+0.6;LowVol:-0.6,ESGOnly,7,30,3.8,trailing 8%,132,14.6,Bear,31.7,4.49,2.4,131,-56,27,88,true,Hedge,Buy index puts 1% notional,19,4,BrokerD,MKT,94,Drift>tolerance,Pause,Allocation drift beyond policy bands,-15,-40,29,2,false,Increase defensive factor exposure
P2227,Opportunistic,IRA,USD,2024-09-29,1555284,90989,1464295,1.0,63.7,17.5,11.5,7.4,HYG:33.3%;BRK.B:33.3%;VNQ:33.3%,US:66.7;EU:14.9;APAC:10.7;EM:6.8;Other:0.9,Value:+0.8;Growth:+0.9;Quality:-0.6;Size:+1.0;Momentum:-0.1;LowVol:+0.2,NoDerivatives,6,35,5.0,hard 12%,250,34.5,Bull,12.8,4.21,2.7,81,97,100,33,false,Buy,Add to core equity +1%,0,-17,BrokerC,LMT,90,None,None,Normal monitoring,-1,-42,135,3,false,Tighten stops on momentum names
P2228,Hands-off,401k,USD,2025-03-09,738306,48190,690116,1.0,56.7,20.1,16.2,7.1,BRK.B:25.0%;VOO:25.0%;HYG:25.0%;AMZN:25.0%,US:69.0;EU:13.7;APAC:7.5;EM:7.2;Other:2.7,Value:-1.0;Growth:+0.6;Quality:-0.4;Size:-0.7;Momentum:-0.7;LowVol:-0.3,NoDerivatives,8,35,3.7,hard 10%,131,16.3,Bull,12.5,4.81,2.8,86,6,57,45,false,Hedge,Add TLT +1% as duration hedge,11,-4,BrokerB,MKT,91,None,None,Normal monitoring,114,-35,228,3,false,Increase defensive factor exposure
P2229,Cautious,Roth,USD,2025-05-24,539386,60651,478735,1.0,43.7,32.3,9.0,15.0,AAPL:26.6%;HYG:26.6%;IEF:26.6%;VTI:20.3%,US:61.5;EU:13.5;APAC:9.2;EM:12.2;Other:3.6,Value:-0.8;Growth:+0.6;Quality:-0.7;Size:+0.2;Momentum:+0.1;LowVol:-0.5,ESGOnly;NoMargin,10,30,3.8,hard 10%,125,14.3,Bull,13.9,4.79,3.4,83,30,62,40,false,Buy,Add to core equity +1%,34,10,BrokerB,LMT,91,None,None,Normal monitoring,-3,-51,136,5,false,Tighten stops on momentum names
P2230,Opportunistic,401k,USD,2025-08-02,1241684,44172,1197512,1.0,60.8,10.7,23.1,5.4,GLD:20.0%;MSFT:18.4%;VNQ:6.1%;VTI:19.3%;AAPL:21.1%;BND:15.2%,US:57.7;EU:20.4;APAC:9.3;EM:9.9;Other:2.6,Value:-0.7;Growth:-0.0;Quality:-0.8;Size:-0.5;Momentum:-0.4;LowVol:+0.9,MaxPos7%,7,35,6.0,trailing 7%,275,29.7,Sideways,17.4,3.52,2.3,137,-9,50,57,false,Hedge,Add TLT +1% as duration hedge,17,9,BrokerC,MKT,98,None,None,Normal monitoring,117,4,108,5,false,Tax-aware sells next window
P2231,Hands-off,IRA,USD,2025-07-28,646234,27017,619217,1.0,58.4,16.6,18.6,6.3,GLD:12.6%;XLF:22.5%;HYG:10.5%;VOO:11.6%;VTI:20.3%;IEF:22.5%,US:65.2;EU:14.5;APAC:10.7;EM:7.1;Other:2.5,Value:+0.8;Growth:-0.6;Quality:-0.2;Size:-0.4;Momentum:-0.2;LowVol:-1.0,MaxPos5%,6,35,4.3,hard 10%,169,18.6,Volatile,22.7,5.23,3.0,116,-18,29,54,false,Hedge,Add TLT +1% as duration hedge,32,-13,BrokerB,MKT,92,None,None,Normal monitoring,-4,-36,75,3,false,Tighten stops on momentum names
P2232,Cautious,IRA,USD,2025-05-30,200061,25089,174972,1.0,41.8,36.7,6.0,15.5,TLT:17.0%;QQQ:16.5%;MSFT:18.1%;GLD:9.6%;TSLA:20.1%;BRK.B:18.7%,US:70.9;EU:8.6;APAC:6.7;EM:11.4;Other:2.4,Value:-0.6;Growth:+0.7;Quality:-0.8;Size:-0.8;Momentum:+0.5;LowVol:+0.7,ESGOnly;NoMargin,8,25,5.9,trailing 10%,107,15.7,Bull,13.2,4.95,2.2,115,0,65,34,false,Hedge,Add TLT +1% as duration hedge,-8,-28,BrokerD,LMT,89,None,None,Normal monitoring,-36,11,102,5,false,Tighten stops on momentum names
P2233,Cautious,IRA,USD,2025-02-11,565571,71729,493842,1.0,44.8,33.3,9.2,12.7,BND:33.3%;XLF:33.3%;TLT:33.3%,US:70.1;EU:8.0;APAC:11.2;EM:6.7;Other:4.1,Value:-0.4;Growth:+0.5;Quality:-0.4;Size:-0.8;Momentum:+0.5;LowVol:+0.2,ESGOnly;NoDerivatives;NoMargin,6,25,5.1,trailing 10%,100,19.2,Volatile,30.6,4.32,3.4,125,14,57,68,false,Hedge,Add TLT +1% as duration hedge,-10,-6,BrokerB,LMT,97,None,None,Normal monitoring,87,9,99,4,false,Monitor dispersion and breadth
P2234,Cautious,Taxable,USD,2024-08-04,718257,113272,604985,1.0,48.8,31.2,5.5,14.5,HYG:33.3%;IEF:33.4%;MUB:33.4%,US:62.2;EU:13.3;APAC:9.6;EM:10.6;Other:4.3,Value:-0.4;Growth:+0.1;Quality:+0.5;Size:-0.7;Momentum:-0.3;LowVol:+0.8,NoMargin,8,35,4.6,hard 10%,150,15.8,Bull,12.1,4.51,2.4,107,119,100,33,false,NoAction,Within bands; monitor,-6,-18,BrokerB,LMT,96,None,None,Normal monitoring,35,10,102,4,false,Within IPS guidelines
P2235,Cautious,401k,USD,2024-11-01,564119,58294,505825,1.0,48.4,33.3,1.5,16.8,BND:24.0%;MSFT:11.9%;VOO:24.0%;QQQ:19.6%;MUB:20.5%,US:65.1;EU:14.4;APAC:6.6;EM:11.1;Other:2.8,Value:-0.7;Growth:+0.5;Quality:+0.7;Size:+0.7;Momentum:+0.3;LowVol:+0.3,NoMargin,7,35,3.6,trailing 10%,135,19.5,Bear,29.3,3.74,2.1,147,-18,48,64,false,Sell,Trim extended winner -1%,-10,3,BrokerD,MKT,92,None,None,Normal monitoring,-35,-4,-36,5,false,Tax-aware sells next window
P2236,Systematic,Trust,USD,2025-07-12,1281844,90470,1191374,1.0,55.4,28.9,6.0,9.8,BND:33.3%;AAPL:33.3%;HYG:33.3%,US:59.7;EU:17.4;APAC:9.5;EM:11.8;Other:1.6,Value:-0.4;Growth:-0.5;Quality:-0.5;Size:+0.9;Momentum:+0.5;LowVol:-0.2,MaxPos5%;NoDerivatives,5,30,4.2,trailing 8%,222,26.1,Bear,29.2,3.44,1.2,154,-34,32,62,false,Rebalance,Shift +1% to bonds from equity,9,-35,BrokerC,VWAP,89,None,None,Normal monitoring,115,10,248,5,false,Monitor dispersion and breadth
P2237,Opportunistic,Taxable,USD,2025-01-15,1686978,93496,1593482,1.0,68.3,20.2,2.6,8.9,TLT:33.3%;GLD:33.3%;VTI:33.3%,US:61.9;EU:13.8;APAC:15.6;EM:8.3;Other:0.3,Value:+0.9;Growth:+0.6;Quality:-0.4;Size:-0.5;Momentum:+0.6;LowVol:-0.1,,10,30,6.8,trailing 9%,250,28.1,Bear,23.4,3.18,2.6,138,24,55,72,true,Rebalance,Rebalance back to target bands,13,10,BrokerD,MKT,94,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-46,-51,-18,5,true,Increase defensive factor exposure
P2238,Systematic,Trust,USD,2024-10-28,551684,44368,507316,1.0,55.3,29.3,7.6,7.7,TSLA:16.9%;HYG:19.4%;QQQ:18.7%;TLT:10.6%;AMZN:14.4%;BND:20.0%,US:64.5;EU:5.0;APAC:14.6;EM:11.0;Other:4.9,Value:-0.7;Growth:+0.9;Quality:-0.3;Size:-0.7;Momentum:+0.1;LowVol:-0.7,NoDerivatives,5,35,5.3,hard 12%,131,27.7,Sideways,14.4,4.43,2.9,123,-20,28,37,true,Reduce,"Cut high-beta by 2-3%, add cash",-4,-19,BrokerA,LMT,92,VAR>budget,Pause,Risk above budget threshold,104,-57,75,4,true,Tax-aware sells next window
P2239,Hands-off,Roth,USD,2025-09-13,430434,40339,390095,1.0,69.2,18.4,3.6,8.8,MSFT:33.3%;BND:33.3%;VOO:33.3%,US:73.5;EU:12.7;APAC:4.7;EM:8.9;Other:0.1,Value:-0.6;Growth:+0.3;Quality:+0.8;Size:+0.2;Momentum:-0.2;LowVol:-0.4,ESGOnly,8,30,5.3,hard 10%,129,14.3,Volatile,31.8,4.85,2.1,155,-28,35,76,true,Hedge,Buy index puts 1% notional,1,-26,BrokerA,LMT,100,VAR>budget,Hedge,Risk above budget threshold,-10,19,86,4,false,Monitor dispersion and breadth
P2240,Active,IRA,USD,2024-08-11,977980,63107,914873,1.22,64.6,28.9,0.0,6.5,HYG:19.9%;BND:19.9%;AMZN:21.3%;MUB:21.3%;QQQ:17.7%,US:64.1;EU:15.6;APAC:8.9;EM:11.0;Other:0.4,Value:+0.5;Growth:+0.8;Quality:+0.3;Size:-0.4;Momentum:+0.8;LowVol:-0.3,,10,25,4.5,trailing 8%,160,22.7,Volatile,31.6,4.13,2.2,145,-35,45,84,true,Hedge,Buy index puts 1% notional,15,4,BrokerD,LMT,98,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-60,-3,51,4,false,Within IPS guidelines
P2241,Hands-off,Trust,USD,2025-04-08,468021,25381,442640,1.0,55.2,16.3,20.0,8.4,MSFT:27.3%;GLD:27.3%;AMZN:27.3%;HYG:18.2%,US:70.5;EU:10.7;APAC:9.7;EM:5.8;Other:3.3,Value:-0.4;Growth:+0.6;Quality:+0.6;Size:-0.6;Momentum:-0.3;LowVol:-0.5,ESGOnly,10,25,5.9,trailing 10%,163,19.7,Bull,14.0,4.03,2.2,82,27,78,49,false,Buy,Add to core equity +1%,8,-1,BrokerA,LMT,99,None,None,Normal monitoring,17,-11,-5,4,false,Tax-aware sells next window
P2242,Systematic,Trust,USD,2025-12-14,1952640,120506,1832134,1.0,59.9,30.8,2.3,7.1,MSFT:7.1%;TSLA:16.8%;AMZN:16.5%;HYG:20.2%;XLF:20.0%;GLD:19.3%,US:64.2;EU:13.7;APAC:11.6;EM:7.6;Other:2.9,Value:+0.7;Growth:+0.2;Quality:-0.0;Size:-0.6;Momentum:+0.1;LowVol:+0.8,MaxPos8%;NoDerivatives,6,25,5.6,hard 12%,120,21.8,Bull,14.5,4.04,2.4,74,119,100,49,false,NoAction,Within bands; monitor,6,-25,BrokerA,LMT,93,None,None,Normal monitoring,-54,-12,60,4,false,Increase defensive factor exposure
P2243,Hands-off,Roth,USD,2025-02-27,750317,64087,686230,1.0,73.3,16.3,5.4,5.0,TLT:18.6%;MUB:15.1%;XLF:23.4%;VOO:19.6%;BRK.B:23.4%,US:56.7;EU:17.8;APAC:8.8;EM:12.0;Other:4.7,Value:-0.8;Growth:+0.8;Quality:+0.1;Size:+0.5;Momentum:-0.6;LowVol:-0.1,MaxPos6%,8,25,4.1,trailing 10%,111,17.3,Bull,12.7,4.26,3.0,89,50,83,57,false,Hedge,Add TLT +1% as duration hedge,32,-25,BrokerD,VWAP,91,None,None,Normal monitoring,-25,-20,-14,5,false,Monitor dispersion and breadth
P2244,Cautious,Taxable,USD,2024-08-05,783938,69460,714478,1.0,48.4,36.7,1.2,13.8,AAPL:33.3%;MUB:33.3%;GLD:33.3%,US:67.9;EU:6.2;APAC:12.9;EM:7.6;Other:5.5,Value:-1.0;Growth:-0.4;Quality:+0.7;Size:+0.8;Momentum:-0.3;LowVol:+0.5,NoMargin,6,25,3.3,hard 10%,127,14.6,Bull,15.1,3.7,3.1,87,114,100,41,false,Rebalance,Shift +1% to bonds from equity,31,-12,BrokerC,LMT,93,None,None,Normal monitoring,-10,8,-26,3,false,Tax-aware sells next window
P2245,Active,Roth,USD,2025-05-26,1670820,133326,1537494,1.16,65.3,25.5,4.0,5.1,QQQ:23.0%;VOO:23.0%;VNQ:15.2%;BRK.B:8.4%;GLD:9.5%;MUB:20.8%,US:65.4;EU:14.2;APAC:9.9;EM:10.4;Other:0.0,Value:+0.2;Growth:-0.5;Quality:+0.1;Size:-0.6;Momentum:+0.1;LowVol:+0.6,,6,30,4.1,trailing 9%,168,26.3,Volatile,30.3,5.29,2.1,175,8,67,72,true,Hedge,Buy index puts 1% notional,19,-24,BrokerC,VWAP,85,RegimeShift,Reduce,Volatility spike and breadth deterioration,15,-44,137,5,false,Within IPS guidelines
P2246,Systematic,401k,USD,2024-08-09,466071,32271,433800,1.0,56.1,31.3,6.3,6.3,TSLA:22.1%;HYG:26.0%;GLD:26.0%;AMZN:26.0%,US:66.7;EU:14.0;APAC:11.3;EM:3.8;Other:4.3,Value:+0.2;Growth:-0.1;Quality:-0.0;Size:-0.7;Momentum:+0.8;LowVol:+0.1,MaxPos7%;NoDerivatives,5,35,4.8,trailing 8%,124,18.3,Volatile,26.9,5.17,3.0,165,-42,14,68,false,Buy,Add to core equity +1%,17,-12,BrokerD,MKT,99,None,None,Normal monitoring,-15,-20,-7,3,false,Tax-aware sells next window
P2247,Active,Roth,USD,2024-12-23,1084140,117289,966851,1.0,62.5,21.0,7.9,8.6,MUB:23.2%;BND:11.5%;VTI:18.8%;XLF:23.2%;AAPL:23.2%,US:66.9;EU:13.5;APAC:7.0;EM:8.4;Other:4.1,Value:+0.1;Growth:-0.9;Quality:+1.0;Size:+0.8;Momentum:+0.8;LowVol:+0.6,MaxPos6%;NoDerivatives,10,30,5.3,trailing 8%,226,20.5,Bull,12.9,4.24,2.6,98,102,100,40,false,Rebalance,Shift +1% to bonds from equity,34,-15,BrokerD,LMT,98,None,None,Normal monitoring,-56,-6,-19,5,false,Increase defensive factor exposure
P2248,Active,Taxable,USD,2024-08-01,1505708,147868,1357840,1.0,63.6,22.2,4.9,9.3,VNQ:21.4%;HYG:21.4%;BRK.B:12.9%;IEF:11.4%;AMZN:21.4%;VTI:11.6%,US:64.6;EU:16.7;APAC:5.9;EM:9.5;Other:3.3,Value:-0.4;Growth:-0.3;Quality:-0.3;Size:+0.8;Momentum:+0.2;LowVol:-0.6,,10,30,4.9,trailing 9%,185,17.3,Sideways,16.6,4.16,2.1,99,1,35,49,false,Buy,Add to core equity +1%,34,-2,BrokerC,MKT,91,None,None,Normal monitoring,-6,16,99,4,false,Within IPS guidelines
P2249,Active,Taxable,USD,2025-05-25,1119100,78756,1040344,1.0,56.3,22.1,15.7,6.0,VOO:26.3%;TSLA:25.6%;AAPL:21.8%;IEF:26.3%,US:65.3;EU:14.2;APAC:11.1;EM:6.6;Other:2.8,Value:-0.6;Growth:-0.7;Quality:+0.9;Size:-0.6;Momentum:-0.1;LowVol:+0.8,MaxPos6%;NoDerivatives,10,30,5.0,hard 12%,148,19.7,Sideways,20.3,4.37,3.0,127,-7,39,64,false,Rebalance,Shift +1% to bonds from equity,25,-3,BrokerB,MKT,85,None,None,Normal monitoring,31,-23,149,5,false,Monitor dispersion and breadth
P2250,Hands-off,Taxable,USD,2025-11-29,211329,19740,191589,1.0,66.6,26.5,0.0,6.9,HYG:25.9%;VNQ:22.2%;XLF:25.9%;MUB:25.9%,US:60.0;EU:15.8;APAC:14.1;EM:5.9;Other:4.1,Value:+0.6;Growth:+0.4;Quality:-0.1;Size:+0.6;Momentum:-0.6;LowVol:+0.2,ESGOnly;MaxPos8%,8,30,4.0,trailing 10%,168,17.6,Volatile,22.2,4.76,4.0,178,46,71,58,false,Sell,Trim extended winner -1%,-14,1,BrokerC,MKT,91,None,None,Normal monitoring,-49,-33,69,3,false,Increase defensive factor exposure
P2251,Hands-off,IRA,USD,2025-08-12,181927,9665,172262,1.0,57.8,19.8,16.8,5.5,IEF:25.3%;AAPL:25.3%;TSLA:14.5%;XLF:21.7%;MUB:13.3%,US:64.7;EU:16.6;APAC:6.8;EM:10.5;Other:1.4,Value:-0.1;Growth:+0.5;Quality:+0.4;Size:-0.1;Momentum:-0.8;LowVol:-0.8,ESGOnly;MaxPos5%,7,30,5.0,trailing 10%,156,15.1,Volatile,26.7,4.74,2.1,156,-52,19,62,false,Sell,Trim extended winner -1%,5,4,BrokerD,LMT,87,None,None,Normal monitoring,83,-7,143,4,false,Tighten stops on momentum names
P2252,Hands-off,Roth,USD,2025-09-10,535078,29300,505778,1.0,68.9,23.9,0.0,7.2,QQQ:38.5%;VNQ:31.4%;XLF:30.2%,US:65.2;EU:10.4;APAC:17.0;EM:3.7;Other:3.7,Value:-0.3;Growth:+0.7;Quality:-0.5;Size:+0.9;Momentum:-0.1;LowVol:+0.3,,10,35,3.0,trailing 8%,155,16.2,Volatile,21.5,5.36,2.1,153,-54,10,68,false,Sell,Trim extended winner -1%,18,0,BrokerA,MKT,92,None,None,Normal monitoring,31,15,128,4,false,Tighten stops on momentum names
P2253,Active,401k,USD,2024-10-15,2278852,261156,2017696,1.0,66.4,25.0,0.0,8.6,BND:11.6%;QQQ:26.3%;GLD:13.4%;IEF:22.4%;AAPL:26.3%,US:72.0;EU:7.5;APAC:11.6;EM:8.3;Other:0.6,Value:+0.6;Growth:-0.9;Quality:+0.8;Size:-0.2;Momentum:0.0;LowVol:+0.7,MaxPos7%,5,35,5.4,hard 12%,140,23.3,Volatile,22.3,5.23,4.3,139,76,73,68,false,Buy,Add to core equity +1%,33,-31,BrokerD,MKT,88,None,None,Normal monitoring,-37,12,28,3,false,Tighten stops on momentum names
P2254,Opportunistic,IRA,USD,2025-01-07,1260333,87006,1173327,1.0,75.9,16.9,1.8,5.4,TLT:33.3%;GLD:33.3%;QQQ:33.3%,US:67.5;EU:7.5;APAC:15.5;EM:4.7;Other:4.8,Value:+0.5;Growth:+0.9;Quality:-0.8;Size:+1.0;Momentum:+0.8;LowVol:-0.6,MaxPos5%;NoDerivatives,10,35,4.3,trailing 7%,227,32.1,Sideways,15.9,4.23,3.0,122,33,61,66,false,Rebalance,Shift +1% to bonds from equity,-5,-22,BrokerA,LMT,92,None,None,Normal monitoring,-20,15,35,5,false,Increase defensive factor exposure
P2255,Systematic,Roth,USD,2024-08-20,727487,48278,679209,1.0,66.8,28.2,0.0,5.0,BRK.B:14.7%;IEF:22.4%;TLT:18.7%;VNQ:19.1%;TSLA:12.7%;HYG:12.4%,US:66.6;EU:5.9;APAC:14.5;EM:10.5;Other:2.5,Value:-0.5;Growth:-0.0;Quality:+0.9;Size:-0.1;Momentum:-0.8;LowVol:+0.9,MaxPos5%,5,25,4.5,trailing 9%,149,27.3,Sideways,17.1,4.95,3.2,111,-30,32,63,false,Sell,Trim extended winner -1%,20,8,BrokerD,MKT,88,None,None,Normal monitoring,114,-51,121,3,false,Monitor dispersion and breadth
P2256,Opportunistic,Taxable,USD,2024-10-01,854561,26654,827907,1.0,66.3,17.0,10.3,6.4,GLD:6.2%;IEF:20.4%;BRK.B:14.5%;TLT:18.3%;AAPL:20.4%;HYG:20.1%,US:58.4;EU:21.6;APAC:15.5;EM:3.6;Other:0.9,Value:+0.2;Growth:-0.7;Quality:+0.9;Size:+0.5;Momentum:+0.9;LowVol:+0.4,NoDerivatives,5,25,6.7,hard 12%,175,23.1,Volatile,25.2,3.77,2.1,143,-36,25,61,false,Buy,Add to core equity +1%,4,-22,BrokerB,MKT,92,None,None,Normal monitoring,69,-29,40,4,false,Within IPS guidelines
P2257,Systematic,Taxable,USD,2024-10-06,798739,52053,746686,1.0,61.4,31.1,0.0,7.5,BND:23.0%;GLD:12.0%;VNQ:23.0%;VOO:8.0%;HYG:11.0%;AMZN:23.0%,US:61.9;EU:16.4;APAC:12.4;EM:8.4;Other:1.0,Value:+0.2;Growth:-0.9;Quality:-0.1;Size:+0.7;Momentum:+0.8;LowVol:+0.5,,8,30,5.1,trailing 9%,152,19.2,Bull,12.6,3.54,2.6,75,46,60,41,true,Rebalance,Rebalance back to target bands,2,13,BrokerB,MKT,94,Drift>tolerance,Hedge,Allocation drift beyond policy bands,2,-30,102,4,false,Within IPS guidelines
P2258,Cautious,401k,USD,2024-12-29,459445,49188,410257,1.0,50.5,34.8,4.4,10.4,VOO:25.1%;VTI:29.6%;AAPL:15.8%;AMZN:29.6%,US:61.5;EU:16.3;APAC:9.1;EM:7.2;Other:5.9,Value:+0.4;Growth:+0.6;Quality:+0.9;Size:-0.7;Momentum:-0.5;LowVol:+0.4,NoDerivatives;NoMargin,5,30,3.3,trailing 8%,92,15.3,Sideways,17.9,4.65,2.4,97,50,72,44,false,Sell,Trim extended winner -1%,35,-6,BrokerB,MKT,92,None,None,Normal monitoring,-53,-7,-35,3,false,Tighten stops on momentum names
P2259,Opportunistic,Trust,USD,2025-12-09,773009,28582,744427,1.0,74.4,12.6,6.7,6.2,BRK.B:20.8%;VTI:20.8%;AAPL:9.8%;GLD:20.8%;MUB:11.0%;QQQ:16.7%,US:66.5;EU:9.6;APAC:11.0;EM:8.5;Other:4.4,Value:-0.5;Growth:+0.6;Quality:-0.7;Size:-0.8;Momentum:-0.4;LowVol:0.0,MaxPos7%,5,30,5.8,trailing 9%,250,28.7,Volatile,22.3,4.36,2.5,114,78,86,73,true,Reduce,"Cut high-beta by 2-3%, add cash",-8,-40,BrokerD,LMT,94,RegimeShift,Hedge,Volatility spike and breadth deterioration,40,17,69,2,false,Increase defensive factor exposure
P2260,Opportunistic,Taxable,USD,2025-05-07,1597093,80936,1516157,1.0,70.0,14.1,10.9,5.0,IEF:22.5%;VTI:22.3%;QQQ:22.5%;HYG:10.1%;GLD:22.5%,US:67.7;EU:9.0;APAC:9.9;EM:12.4;Other:1.0,Value:+0.8;Growth:+1.0;Quality:+0.7;Size:-0.9;Momentum:-0.1;LowVol:+1.0,MaxPos8%,5,25,5.8,trailing 7%,260,29.8,Volatile,31.0,5.44,4.4,125,-2,34,87,true,Reduce,"Cut high-beta by 2-3%, add cash",9,14,BrokerA,MKT,91,VAR>budget,Hedge,Risk above budget threshold,114,-47,226,4,false,Within IPS guidelines
P2261,Hands-off,IRA,USD,2025-05-26,770505,49709,720796,1.0,69.9,22.8,0.0,7.3,VNQ:20.5%;BND:30.7%;BRK.B:30.7%;QQQ:18.2%,US:72.1;EU:10.9;APAC:7.1;EM:8.9;Other:1.1,Value:-0.4;Growth:-0.3;Quality:-0.9;Size:-0.8;Momentum:+0.4;LowVol:+0.4,MaxPos8%;NoDerivatives,10,25,4.4,hard 10%,108,15.4,Bear,30.2,3.41,1.9,212,31,54,76,true,Rebalance,Rebalance back to target bands,30,-12,BrokerA,LMT,89,RegimeShift,Pause,Volatility spike and breadth deterioration,68,14,192,2,false,Increase defensive factor exposure
P2262,Hands-off,Roth,USD,2024-11-10,762480,30598,731882,1.0,61.2,27.2,3.8,7.8,MSFT:26.5%;VNQ:28.4%;IEF:16.8%;GLD:28.4%,US:67.4;EU:10.7;APAC:9.3;EM:11.2;Other:1.4,Value:+0.2;Growth:+0.2;Quality:+0.6;Size:+0.8;Momentum:-0.8;LowVol:-0.8,MaxPos8%,10,30,3.5,hard 10%,91,16.8,Volatile,23.3,5.41,2.5,160,21,56,58,true,Rebalance,Rebalance back to target bands,34,8,BrokerB,MKT,96,VAR>budget,Hedge,Risk above budget threshold,-26,-37,32,3,false,Tighten stops on momentum names
P2263,Cautious,Taxable,USD,2024-07-26,720775,67852,652923,1.0,45.6,39.4,0.0,15.0,IEF:21.1%;TSLA:22.7%;HYG:12.5%;AMZN:22.7%;VNQ:20.9%,US:64.8;EU:16.4;APAC:7.5;EM:7.8;Other:3.4,Value:-0.1;Growth:+0.4;Quality:+0.8;Size:+0.3;Momentum:-0.7;LowVol:+1.0,NoDerivatives;NoMargin,10,25,3.2,hard 10%,93,18.8,Volatile,24.4,4.39,2.6,147,-39,21,47,false,Buy,Add to core equity +1%,8,-6,BrokerD,MKT,85,None,None,Normal monitoring,-22,-29,59,5,false,Tax-aware sells next window
P2264,Hands-off,Taxable,USD,2024-08-07,206107,12500,193607,1.0,66.7,25.9,0.0,7.4,BRK.B:13.5%;TLT:15.3%;VNQ:23.7%;XLF:23.7%;MSFT:23.7%,US:65.9;EU:12.4;APAC:7.1;EM:12.2;Other:2.5,Value:-0.0;Growth:+0.2;Quality:+1.0;Size:-0.5;Momentum:-1.0;LowVol:-0.7,ESGOnly;MaxPos5%;NoDerivatives,6,25,3.2,trailing 10%,150,14.6,Bull,11.5,4.6,3.1,80,16,65,37,false,Buy,Add to core equity +1%,-9,-20,BrokerA,MKT,95,None,None,Normal monitoring,119,-45,168,4,false,Increase defensive factor exposure
P2265,Cautious,Taxable,USD,2024-12-11,749718,117014,632704,1.0,39.6,35.2,11.7,13.6,HYG:33.3%;BRK.B:33.3%;VTI:33.3%,US:67.6;EU:21.0;APAC:7.6;EM:3.7;Other:0.1,Value:-0.3;Growth:-0.4;Quality:-0.9;Size:+1.0;Momentum:-0.3;LowVol:-0.6,ESGOnly;NoDerivatives;NoMargin,5,30,3.8,hard 10%,167,15.4,Bull,17.6,4.82,2.5,82,107,100,47,false,NoAction,Within bands; monitor,-10,-2,BrokerB,MKT,0,None,None,Normal monitoring,38,-36,130,4,false,Tax-aware sells next window
P2266,Hands-off,Roth,USD,2024-09-25,497326,24335,472991,1.0,67.3,26.8,0.0,5.9,TSLA:20.0%;GLD:17.2%;QQQ:20.4%;XLF:12.4%;HYG:17.7%;VNQ:12.3%,US:75.7;EU:11.1;APAC:5.4;EM:6.6;Other:1.3,Value:-0.9;Growth:+0.5;Quality:+0.4;Size:+0.3;Momentum:-0.6;LowVol:+1.0,ESGOnly;NoDerivatives,7,25,5.0,hard 10%,96,14.2,Bear,29.3,3.92,1.0,165,-83,12,73,true,Hedge,Buy index puts 1% notional,-7,7,BrokerA,LMT,90,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,85,6,126,2,false,Tax-aware sells next window
P2267,Systematic,Taxable,USD,2025-06-09,1800771,141040,1659731,1.0,69.1,20.1,5.0,5.9,AMZN:14.1%;VNQ:9.6%;BRK.B:18.3%;TSLA:21.4%;XLF:20.0%;VOO:16.6%,US:62.3;EU:6.1;APAC:15.0;EM:12.4;Other:4.1,Value:+0.7;Growth:-0.8;Quality:+0.9;Size:-0.2;Momentum:+0.3;LowVol:-0.9,MaxPos7%,7,25,5.4,trailing 8%,158,20.1,Sideways,18.4,4.98,2.1,97,10,51,66,false,NoAction,Within bands; monitor,-2,-29,BrokerC,VWAP,89,None,None,Normal monitoring,33,-24,147,4,false,Tax-aware sells next window
P2268,Active,Taxable,USD,2024-08-30,1749933,163322,1586611,1.0,52.1,26.9,13.1,7.8,XLF:33.3%;VTI:33.3%;MUB:33.3%,US:62.4;EU:10.6;APAC:15.9;EM:5.4;Other:5.7,Value:+0.6;Growth:-0.2;Quality:+0.1;Size:-0.9;Momentum:+0.7;LowVol:+0.2,MaxPos7%,6,35,6.0,hard 12%,169,26.0,Bull,16.4,4.9,2.3,91,94,100,52,false,Rebalance,Shift +1% to bonds from equity,14,-16,BrokerD,MKT,98,None,None,Normal monitoring,-26,-22,45,4,false,Within IPS guidelines
P2269,Hands-off,401k,USD,2025-03-14,350171,25291,324880,1.0,65.9,26.4,0.0,7.7,AAPL:25.7%;XLF:22.8%;VNQ:25.7%;VOO:25.7%,US:72.1;EU:5.7;APAC:12.7;EM:9.1;Other:0.4,Value:-0.7;Growth:-0.2;Quality:+0.3;Size:-0.7;Momentum:-0.1;LowVol:-0.3,ESGOnly;NoDerivatives,10,30,3.3,hard 10%,142,16.1,Bull,16.4,4.89,3.4,87,103,93,49,false,Sell,Trim extended winner -1%,30,-7,BrokerB,MKT,96,None,None,Normal monitoring,-50,-20,-15,5,false,Tax-aware sells next window
P2270,Opportunistic,Taxable,USD,2024-08-07,839570,39422,800148,1.1,62.4,11.2,22.1,4.3,TLT:6.8%;BRK.B:21.2%;VNQ:21.2%;HYG:21.2%;AMZN:14.7%;QQQ:15.0%,US:66.1;EU:15.7;APAC:11.9;EM:3.6;Other:2.7,Value:-0.2;Growth:+0.6;Quality:+0.5;Size:+0.2;Momentum:+0.8;LowVol:+0.1,,5,35,5.4,trailing 7%,266,28.5,Bear,33.0,3.89,1.1,190,-113,5,84,true,Rebalance,Rebalance back to target bands,-9,-22,BrokerA,MKT,87,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-18,-46,-19,2,false,Monitor dispersion and breadth
P2271,Cautious,Roth,USD,2024-09-19,660641,89565,571076,1.0,39.1,35.7,8.8,16.4,QQQ:24.7%;VNQ:9.5%;XLF:24.7%;HYG:16.4%;TSLA:24.7%,US:68.3;EU:12.1;APAC:5.9;EM:11.6;Other:2.1,Value:+0.1;Growth:+0.8;Quality:+0.3;Size:+0.7;Momentum:-0.5;LowVol:+0.9,MaxPos8%;NoMargin,5,25,5.2,trailing 8%,158,16.7,Sideways,14.9,3.87,2.2,112,-26,25,40,false,Buy,Add to core equity +1%,32,-14,BrokerA,VWAP,95,None,None,Normal monitoring,12,-35,-28,5,false,Monitor dispersion and breadth
P2272,Opportunistic,IRA,USD,2025-02-01,1107871,33509,1074362,1.0,66.9,12.5,15.4,5.1,TSLA:22.7%;MUB:22.7%;VNQ:16.0%;MSFT:22.7%;VOO:15.9%,US:69.2;EU:7.7;APAC:10.6;EM:11.9;Other:0.6,Value:-0.4;Growth:+0.9;Quality:-0.7;Size:-0.2;Momentum:+0.3;LowVol:+0.7,MaxPos5%,7,30,5.6,hard 12%,179,20.3,Volatile,23.4,5.19,2.5,156,41,80,70,false,Rebalance,Shift +1% to bonds from equity,5,-10,BrokerD,MKT,92,None,None,Normal monitoring,64,-30,172,5,false,Within IPS guidelines
P2273,Systematic,Trust,USD,2025-09-22,1876535,176936,1699599,1.0,59.7,22.0,8.8,9.5,MSFT:17.8%;XLF:21.9%;IEF:21.9%;AMZN:21.9%;GLD:16.5%,US:67.8;EU:7.0;APAC:16.1;EM:6.6;Other:2.4,Value:-0.0;Growth:-0.3;Quality:+0.7;Size:-0.4;Momentum:+1.0;LowVol:+1.0,NoDerivatives,10,35,4.9,trailing 8%,219,18.7,Bear,32.9,3.64,1.5,160,-7,61,88,true,Hedge,Buy index puts 1% notional,29,4,BrokerC,LMT,98,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-49,-51,-81,4,false,Monitor dispersion and breadth
P2274,Opportunistic,401k,USD,2025-11-06,1507955,82409,1425546,1.0,67.8,17.6,9.5,5.1,HYG:33.3%;VNQ:33.3%;VTI:33.3%,US:69.1;EU:13.1;APAC:8.2;EM:4.4;Other:5.2,Value:-0.5;Growth:+0.1;Quality:-0.7;Size:-0.1;Momentum:+0.2;LowVol:+0.7,NoDerivatives,10,30,6.7,trailing 9%,263,28.1,Volatile,31.8,4.04,4.4,129,-59,33,82,true,Rebalance,Rebalance back to target bands,-9,-8,BrokerA,MKT,88,Drift>tolerance,Reduce,Allocation drift beyond policy bands,106,-35,112,3,false,Within IPS guidelines
P2275,Cautious,401k,USD,2025-07-20,794148,98440,695708,1.0,45.0,38.1,0.0,16.8,XLF:23.9%;MUB:9.9%;BRK.B:23.8%;MSFT:18.6%;GLD:23.9%,US:61.8;EU:18.8;APAC:12.9;EM:4.3;Other:2.3,Value:+0.8;Growth:-0.2;Quality:-0.4;Size:+0.3;Momentum:+0.4;LowVol:-0.2,MaxPos6%;NoMargin,6,25,5.1,hard 10%,111,12.5,Bull,12.3,3.59,3.4,109,119,100,31,false,Rebalance,Shift +1% to bonds from equity,26,-2,BrokerA,LMT,97,None,None,Normal monitoring,45,-51,11,5,false,Tighten stops on momentum names
P2276,Systematic,Trust,USD,2025-04-27,1398284,97635,1300649,1.0,68.3,24.4,0.0,7.2,AMZN:15.6%;XLF:7.5%;VOO:20.7%;TLT:14.7%;IEF:20.7%;TSLA:20.7%,US:58.4;EU:18.2;APAC:14.7;EM:7.2;Other:1.5,Value:+0.3;Growth:+0.3;Quality:-0.1;Size:-0.0;Momentum:-0.8;LowVol:-1.0,MaxPos8%,5,30,4.5,hard 12%,130,24.1,Bull,14.9,3.72,3.4,115,97,84,47,false,Rebalance,Shift +1% to bonds from equity,19,-2,BrokerB,VWAP,89,None,None,Normal monitoring,56,18,116,3,false,Within IPS guidelines
P2277,Active,401k,USD,2025-09-19,1940759,230940,1709819,1.18,51.6,27.1,13.3,8.1,XLF:25.7%;BND:23.0%;VNQ:25.7%;MUB:25.7%,US:73.2;EU:5.8;APAC:5.8;EM:11.4;Other:3.8,Value:-0.4;Growth:+0.8;Quality:+0.7;Size:+0.4;Momentum:-0.4;LowVol:+0.9,MaxPos7%;NoDerivatives,5,30,5.9,hard 12%,179,16.9,Volatile,30.1,4.15,3.2,112,-33,29,77,true,Reduce,"Cut high-beta by 2-3%, add cash",8,-11,BrokerB,MKT,86,VAR>budget,Pause,Risk above budget threshold,105,15,81,2,false,Within IPS guidelines
P2278,Systematic,Roth,USD,2025-11-17,1281852,122795,1159057,1.0,67.6,25.6,1.2,5.6,HYG:25.0%;VNQ:25.0%;AAPL:25.0%;XLF:25.0%,US:63.7;EU:14.5;APAC:10.3;EM:10.6;Other:0.9,Value:-0.3;Growth:+0.4;Quality:+0.6;Size:-0.2;Momentum:+0.9;LowVol:-0.9,MaxPos5%;NoDerivatives,7,35,4.5,hard 12%,161,22.3,Volatile,30.9,4.97,4.4,132,35,79,83,true,Reduce,"Cut high-beta by 2-3%, add cash",19,2,BrokerD,MKT,96,VAR>budget,Reduce,Risk above budget threshold,47,-29,67,5,false,Within IPS guidelines
P2279,Systematic,401k,USD,2025-03-08,828709,35772,792937,1.0,56.1,32.7,1.7,9.5,MSFT:33.3%;IEF:33.3%;MUB:33.3%,US:65.5;EU:9.4;APAC:11.5;EM:9.9;Other:3.8,Value:-0.9;Growth:+0.4;Quality:-0.4;Size:-0.9;Momentum:-0.6;LowVol:+0.2,,8,30,4.9,hard 12%,229,21.8,Volatile,25.2,3.9,2.6,162,56,69,60,false,Rebalance,Shift +1% to bonds from equity,29,9,BrokerA,MKT,95,None,None,Normal monitoring,31,-55,153,3,false,Increase defensive factor exposure
P2280,Systematic,IRA,USD,2025-05-09,671650,34246,637404,1.0,60.7,32.1,0.0,7.2,BND:24.7%;TSLA:21.7%;GLD:8.9%;MUB:19.9%;VOO:24.7%,US:66.6;EU:10.8;APAC:8.9;EM:11.3;Other:2.3,Value:+0.2;Growth:+0.2;Quality:+0.3;Size:-0.0;Momentum:+0.9;LowVol:+0.6,NoDerivatives,6,25,5.0,trailing 8%,136,27.9,Bull,16.8,3.62,3.0,106,111,100,57,false,Buy,Add to core equity +1%,31,-17,BrokerC,LMT,92,None,None,Normal monitoring,-18,-23,74,3,false,Within IPS guidelines
P2281,Systematic,401k,USD,2024-10-16,1942580,111660,1830920,1.0,69.6,20.3,0.5,9.6,TLT:33.3%;AMZN:33.3%;GLD:33.3%,US:69.9;EU:8.3;APAC:8.7;EM:8.4;Other:4.7,Value:-0.8;Growth:-0.8;Quality:-0.9;Size:-0.2;Momentum:+0.7;LowVol:-0.9,MaxPos8%,5,30,5.2,hard 12%,194,27.5,Volatile,30.4,4.99,2.6,158,66,86,92,true,Hedge,Buy index puts 1% notional,1,-11,BrokerD,VWAP,98,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-47,-60,17,5,false,Tax-aware sells next window
P2282,Cautious,Trust,USD,2024-11-18,196854,27768,169086,1.0,42.9,43.5,0.0,13.6,AMZN:9.7%;TLT:17.6%;AAPL:16.7%;VOO:21.9%;IEF:21.6%;HYG:12.6%,US:61.7;EU:12.8;APAC:12.8;EM:10.1;Other:2.7,Value:0.0;Growth:-1.0;Quality:-0.3;Size:-0.4;Momentum:-0.8;LowVol:+0.5,ESGOnly;NoMargin,8,30,4.8,hard 10%,113,13.6,Volatile,24.4,3.75,3.5,117,-25,37,56,false,NoAction,Within bands; monitor,32,-15,BrokerD,VWAP,100,None,None,Normal monitoring,50,-41,151,3,false,Within IPS guidelines
P2283,Opportunistic,Taxable,USD,2025-11-16,910499,44688,865811,1.0,76.4,15.4,3.2,5.0,IEF:21.4%;MUB:16.5%;AAPL:21.4%;HYG:21.4%;GLD:19.3%,US:67.8;EU:14.1;APAC:6.5;EM:8.5;Other:3.2,Value:-0.7;Growth:-0.2;Quality:-0.3;Size:-0.8;Momentum:+0.9;LowVol:-0.4,,5,35,4.3,hard 12%,279,31.4,Bull,15.8,4.47,2.3,90,78,92,65,false,Buy,Add to core equity +1%,8,-2,BrokerD,VWAP,97,None,None,Normal monitoring,-50,-54,78,4,false,Increase defensive factor exposure
P2284,Cautious,IRA,USD,2024-10-24,410640,40557,370083,1.0,47.1,40.0,0.0,13.0,AAPL:22.3%;VTI:22.3%;GLD:13.6%;MSFT:9.8%;TLT:9.8%;MUB:22.3%,US:59.3;EU:13.5;APAC:12.6;EM:10.8;Other:3.8,Value:-0.7;Growth:0.0;Quality:-0.6;Size:-0.6;Momentum:+0.3;LowVol:+0.5,ESGOnly;NoMargin,8,30,3.2,trailing 10%,113,18.5,Bear,25.4,3.72,1.8,196,15,48,69,false,Buy,Add to core equity +1%,-1,-31,BrokerC,VWAP,89,None,None,Normal monitoring,77,5,129,5,false,Within IPS guidelines
P2285,Hands-off,Trust,USD,2025-06-11,833808,82043,751765,1.0,69.9,23.9,0.0,6.2,MSFT:21.8%;TLT:17.9%;VNQ:16.8%;BND:21.8%;MUB:21.8%,US:61.1;EU:11.8;APAC:14.1;EM:8.3;Other:4.7,Value:-0.5;Growth:+0.7;Quality:+0.5;Size:-0.9;Momentum:+0.8;LowVol:-0.3,,6,25,3.3,trailing 10%,169,14.8,Sideways,16.4,3.73,3.1,91,32,79,46,false,NoAction,Within bands; monitor,22,-22,BrokerB,MKT,0,None,None,Normal monitoring,25,-37,-11,3,false,Monitor dispersion and breadth
P2286,Hands-off,401k,USD,2025-01-07,287516,13068,274448,1.0,66.8,27.7,0.0,5.5,VNQ:36.5%;BRK.B:26.9%;VOO:36.5%,US:68.7;EU:13.1;APAC:9.0;EM:7.5;Other:1.7,Value:-0.3;Growth:+1.0;Quality:-0.1;Size:+0.6;Momentum:-0.5;LowVol:+0.5,ESGOnly,5,25,3.8,hard 10%,159,15.3,Bear,29.9,3.09,1.1,174,-40,29,88,true,Hedge,Buy index puts 1% notional,-5,-21,BrokerC,MKT,98,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,56,17,128,3,false,Tax-aware sells next window
P2287,Systematic,Roth,USD,2025-04-06,1258879,51586,1207293,1.0,58.7,32.5,0.6,8.2,BRK.B:33.3%;XLF:33.3%;TSLA:33.3%,US:69.3;EU:10.5;APAC:5.9;EM:10.4;Other:3.9,Value:-0.9;Growth:-0.6;Quality:-0.7;Size:-0.7;Momentum:+0.9;LowVol:+0.3,MaxPos7%;NoDerivatives,7,35,5.5,trailing 9%,185,16.2,Bull,16.9,4.47,2.0,106,49,60,51,true,Reduce,"Cut high-beta by 2-3%, add cash",-4,5,BrokerC,LMT,91,VAR>budget,Reduce,Risk above budget threshold,-58,-25,-19,3,false,Within IPS guidelines
P2288,Hands-off,Roth,USD,2025-04-03,726977,64337,662640,1.0,65.9,26.5,0.0,7.6,VOO:23.8%;HYG:23.8%;MSFT:23.2%;TLT:17.1%;AAPL:12.0%,US:69.6;EU:11.0;APAC:6.8;EM:9.9;Other:2.8,Value:-0.3;Growth:+0.1;Quality:+0.3;Size:+0.9;Momentum:+0.6;LowVol:+0.6,MaxPos6%,8,35,5.0,trailing 8%,155,13.1,Volatile,24.5,4.38,3.2,151,21,71,65,false,Rebalance,Shift +1% to bonds from equity,9,-37,BrokerB,MKT,85,None,None,Normal monitoring,77,-14,66,4,false,Increase defensive factor exposure
P2289,Hands-off,Trust,USD,2025-05-03,867490,47764,819726,1.0,61.1,20.1,10.8,8.1,AAPL:21.1%;BND:21.1%;QQQ:21.1%;VNQ:17.3%;MUB:19.6%,US:66.0;EU:16.8;APAC:7.5;EM:7.5;Other:2.2,Value:-0.8;Growth:-0.7;Quality:-0.9;Size:-0.8;Momentum:+0.6;LowVol:0.0,ESGOnly;MaxPos5%,7,30,6.0,trailing 10%,103,14.1,Bear,30.5,3.79,2.1,191,4,54,78,true,Hedge,Buy index puts 1% notional,-5,-24,BrokerC,MKT,100,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-18,10,92,5,false,Within IPS guidelines
P2290,Hands-off,401k,USD,2025-10-11,699920,66903,633017,1.0,69.6,16.5,5.7,8.2,VNQ:25.0%;TSLA:25.0%;IEF:25.0%;BRK.B:25.0%,US:66.9;EU:15.0;APAC:10.5;EM:5.1;Other:2.6,Value:+0.1;Growth:+0.9;Quality:+0.3;Size:+0.6;Momentum:-0.3;LowVol:+0.3,MaxPos5%,6,30,5.1,trailing 8%,127,16.6,Bear,33.9,4.21,2.2,219,-49,26,86,true,Rebalance,Rebalance back to target bands,14,-15,BrokerB,VWAP,86,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-50,-37,71,2,false,Within IPS guidelines
P2291,Systematic,IRA,USD,2025-08-11,1619563,112010,1507553,1.0,62.2,31.9,0.0,6.0,HYG:33.3%;AMZN:33.3%;AAPL:33.3%,US:66.0;EU:12.7;APAC:8.0;EM:9.3;Other:4.0,Value:-0.8;Growth:-0.0;Quality:+0.7;Size:-0.3;Momentum:+0.5;LowVol:-0.6,MaxPos8%;NoDerivatives,7,25,5.9,trailing 8%,201,19.5,Volatile,26.2,3.89,4.3,176,56,81,78,true,Rebalance,Rebalance back to target bands,22,-17,BrokerC,MKT,88,Drift>tolerance,Reduce,Allocation drift beyond policy bands,16,-12,-14,2,false,Monitor dispersion and breadth
P2292,Opportunistic,Taxable,USD,2024-12-09,601324,19843,581481,1.0,66.1,18.0,11.6,4.3,AAPL:16.1%;GLD:15.1%;TLT:21.2%;MSFT:21.2%;AMZN:17.4%;MUB:9.0%,US:60.6;EU:15.3;APAC:9.4;EM:11.1;Other:3.5,Value:+0.6;Growth:-0.6;Quality:-0.7;Size:+0.9;Momentum:+0.6;LowVol:+0.1,MaxPos6%,6,35,5.6,hard 12%,191,24.8,Sideways,17.5,4.78,2.7,91,49,62,58,false,Buy,Add to core equity +1%,34,-17,BrokerD,VWAP,95,None,None,Normal monitoring,-49,-55,-77,5,false,Within IPS guidelines
P2293,Active,Taxable,USD,2025-12-16,720195,73145,647050,1.0,62.4,25.6,3.9,8.1,MSFT:25.0%;BRK.B:25.0%;HYG:25.0%;AMZN:24.9%,US:64.0;EU:17.8;APAC:5.8;EM:7.7;Other:4.7,Value:-0.2;Growth:+0.2;Quality:-0.1;Size:+0.3;Momentum:-0.5;LowVol:-0.4,MaxPos7%,5,25,5.2,trailing 8%,173,17.6,Volatile,25.1,3.62,3.5,159,62,71,58,false,Rebalance,Shift +1% to bonds from equity,-13,-11,BrokerA,LMT,91,None,None,Normal monitoring,-10,-45,103,3,false,Tighten stops on momentum names
P2294,Hands-off,Trust,USD,2025-07-02,180863,11720,169143,1.0,66.0,25.8,0.0,8.1,MSFT:33.3%;TSLA:33.3%;HYG:33.3%,US:63.5;EU:13.6;APAC:11.2;EM:8.9;Other:2.8,Value:+0.7;Growth:-0.9;Quality:+0.7;Size:-0.9;Momentum:-0.9;LowVol:-0.7,ESGOnly,7,25,4.8,hard 10%,153,15.5,Bull,14.4,4.87,2.7,118,111,100,58,false,Buy,Add to core equity +1%,24,-34,BrokerD,LMT,92,None,None,Normal monitoring,52,-55,39,4,false,Tax-aware sells next window
P2295,Active,401k,USD,2025-08-29,978562,62085,916477,1.0,57.1,20.1,14.9,7.9,XLF:20.3%;BRK.B:15.4%;HYG:7.1%;IEF:20.3%;MSFT:19.3%;GLD:17.7%,US:56.0;EU:18.8;APAC:12.8;EM:11.5;Other:0.9,Value:-0.1;Growth:+0.6;Quality:-0.7;Size:+0.3;Momentum:-0.7;LowVol:+0.4,,10,30,5.9,hard 12%,182,26.3,Bear,31.2,3.11,2.7,218,-68,18,66,true,Hedge,Buy index puts 1% notional,10,-12,BrokerA,MKT,91,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-41,-52,-60,4,false,Tax-aware sells next window
P2296,Systematic,IRA,USD,2024-09-27,1264728,70558,1194170,1.0,62.2,32.9,0.0,4.9,MSFT:19.8%;VTI:24.6%;TLT:15.4%;HYG:15.6%;TSLA:24.6%,US:68.6;EU:8.0;APAC:9.7;EM:12.9;Other:0.9,Value:-0.4;Growth:-0.5;Quality:0.0;Size:-0.7;Momentum:-0.5;LowVol:-0.8,,10,35,5.9,trailing 8%,144,27.9,Volatile,27.9,4.03,3.9,153,35,77,78,true,Reduce,"Cut high-beta by 2-3%, add cash",11,14,BrokerD,LMT,89,VAR>budget,Hedge,Risk above budget threshold,88,19,181,4,false,Within IPS guidelines
P2297,Cautious,Taxable,USD,2024-12-07,723421,94880,628541,1.0,40.0,35.6,9.7,14.7,HYG:33.3%;VNQ:33.3%;GLD:33.3%,US:58.1;EU:18.3;APAC:11.4;EM:8.2;Other:4.0,Value:+0.7;Growth:+0.3;Quality:-0.3;Size:-0.1;Momentum:+0.9;LowVol:0.0,NoMargin,6,35,3.4,hard 10%,129,18.1,Bear,25.1,3.33,1.5,209,-115,5,51,false,Rebalance,Shift +1% to bonds from equity,34,-39,BrokerA,LMT,95,None,None,Normal monitoring,-54,-54,-37,3,false,Within IPS guidelines
P2298,Hands-off,Roth,USD,2025-04-21,596219,35292,560927,1.0,69.2,23.2,0.0,7.6,XLF:29.5%;AAPL:35.2%;VNQ:35.2%,US:67.2;EU:14.1;APAC:6.1;EM:8.1;Other:4.5,Value:+0.9;Growth:+0.6;Quality:-0.6;Size:+0.1;Momentum:-0.2;LowVol:+0.9,MaxPos8%,5,25,3.3,trailing 8%,112,19.7,Bull,17.1,4.23,2.1,95,30,69,64,false,Buy,Add to core equity +1%,3,-17,BrokerA,MKT,97,None,None,Normal monitoring,11,-16,31,5,false,Within IPS guidelines
P2299,Cautious,Taxable,USD,2025-07-09,440602,41868,398734,1.0,40.4,34.9,10.5,14.2,TLT:17.6%;HYG:23.7%;GLD:23.7%;TSLA:23.7%;VOO:11.2%,US:62.6;EU:14.4;APAC:9.3;EM:12.3;Other:1.3,Value:+0.1;Growth:+0.7;Quality:+0.9;Size:+0.4;Momentum:+0.3;LowVol:+0.6,ESGOnly;NoMargin,10,25,4.1,trailing 8%,128,18.8,Volatile,21.3,4.51,2.3,138,-49,33,38,false,Rebalance,Shift +1% to bonds from equity,-15,-29,BrokerC,LMT,89,None,None,Normal monitoring,42,-34,114,5,false,Tax-aware sells next window
P2300,Hands-off,401k,USD,2024-09-09,883658,82788,800870,1.0,64.2,28.8,0.0,7.0,VOO:33.3%;AMZN:33.3%;GLD:33.3%,US:60.2;EU:18.4;APAC:15.9;EM:3.4;Other:2.1,Value:+0.4;Growth:+0.3;Quality:+0.6;Size:-0.7;Momentum:+0.3;LowVol:+0.7,ESGOnly,10,35,4.8,hard 10%,161,16.4,Volatile,31.1,3.75,3.5,160,68,71,71,true,Reduce,"Cut high-beta by 2-3%, add cash",15,-25,BrokerD,LMT,85,VAR>budget,Hedge,Risk above budget threshold,-17,-32,70,4,false,Tax-aware sells next window
P2301,Hands-off,Taxable,USD,2025-11-30,464605,23069,441536,1.0,63.1,17.0,14.0,6.0,HYG:21.4%;XLF:20.1%;MUB:10.5%;AAPL:9.7%;QQQ:21.4%;VNQ:16.7%,US:69.6;EU:15.2;APAC:5.2;EM:9.5;Other:0.5,Value:+0.6;Growth:+0.5;Quality:-0.1;Size:+0.1;Momentum:-0.7;LowVol:+0.2,ESGOnly;MaxPos8%,10,25,3.5,trailing 8%,118,19.2,Volatile,20.5,3.7,3.0,144,35,67,49,false,Buy,Add to core equity +1%,-3,-34,BrokerB,MKT,95,None,None,Normal monitoring,33,-1,127,3,false,Tighten stops on momentum names
P2302,Hands-off,Trust,USD,2024-10-17,627102,50014,577088,1.0,60.7,21.9,8.0,9.4,VOO:14.2%;BRK.B:8.0%;AMZN:17.6%;HYG:17.5%;BND:21.4%;GLD:21.4%,US:61.6;EU:19.5;APAC:7.2;EM:7.6;Other:4.1,Value:-0.8;Growth:+0.3;Quality:+0.6;Size:-0.2;Momentum:+0.2;LowVol:+0.1,ESGOnly,5,25,5.1,hard 10%,119,16.3,Bull,17.7,4.65,2.5,113,61,94,46,false,Sell,Trim extended winner -1%,-15,-34,BrokerC,LMT,87,None,None,Normal monitoring,104,-31,200,5,false,Monitor dispersion and breadth
P2303,Cautious,IRA,USD,2025-12-16,366475,43936,322539,1.0,45.7,36.8,6.0,11.5,GLD:19.3%;MSFT:18.8%;BRK.B:9.4%;BND:16.6%;HYG:20.7%;VOO:15.3%,US:69.4;EU:8.9;APAC:12.4;EM:8.6;Other:0.7,Value:-0.2;Growth:+0.9;Quality:+0.4;Size:-0.2;Momentum:+0.2;LowVol:-0.4,NoMargin,5,30,5.9,trailing 8%,113,12.1,Bull,16.3,4.51,3.4,96,78,75,31,false,Sell,Trim extended winner -1%,9,-37,BrokerA,MKT,88,None,None,Normal monitoring,-20,-8,37,3,false,Monitor dispersion and breadth
P2304,Opportunistic,IRA,USD,2025-11-20,608121,36144,571977,1.25,68.1,18.3,9.6,4.1,GLD:25.1%;BND:25.1%;XLF:25.1%;IEF:24.6%,US:69.3;EU:13.8;APAC:9.8;EM:5.2;Other:1.9,Value:-0.5;Growth:+0.8;Quality:-0.5;Size:+0.3;Momentum:-0.4;LowVol:-0.6,MaxPos8%;NoDerivatives,7,30,5.1,hard 12%,254,23.6,Sideways,14.4,4.12,2.6,123,-20,41,43,false,Rebalance,Shift +1% to bonds from equity,16,-31,BrokerC,LMT,98,None,None,Normal monitoring,37,-34,119,4,false,Within IPS guidelines
P2305,Active,IRA,USD,2024-08-09,573757,40927,532830,1.0,62.7,18.7,10.3,8.3,TLT:24.9%;IEF:15.5%;BND:20.7%;VNQ:24.9%;HYG:13.9%,US:72.7;EU:13.4;APAC:5.9;EM:5.1;Other:2.9,Value:-0.9;Growth:-0.5;Quality:+0.3;Size:+0.4;Momentum:-0.5;LowVol:-0.3,MaxPos7%,5,25,6.0,trailing 8%,128,27.1,Bull,12.2,4.63,2.3,98,101,100,52,false,Buy,Add to core equity +1%,34,-1,BrokerB,MKT,93,None,None,Normal monitoring,40,-36,125,5,false,Tighten stops on momentum names
P2306,Cautious,IRA,USD,2025-03-07,745444,73090,672354,1.0,42.4,38.4,3.2,15.9,BND:16.3%;VNQ:15.1%;IEF:11.6%;VOO:21.0%;GLD:15.1%;QQQ:21.0%,US:64.6;EU:16.6;APAC:6.1;EM:8.4;Other:4.3,Value:+0.2;Growth:+0.3;Quality:-0.7;Size:+0.2;Momentum:-0.0;LowVol:-1.0,NoMargin,6,30,5.7,trailing 8%,162,16.9,Bear,31.5,3.57,2.8,182,-72,24,67,false,Buy,Add to core equity +1%,31,-19,BrokerD,MKT,95,None,None,Normal monitoring,109,-59,112,5,false,Tighten stops on momentum names
P2307,Hands-off,Roth,USD,2024-08-07,783985,40426,743559,1.0,61.8,25.8,3.7,8.7,MUB:25.3%;GLD:24.2%;QQQ:25.3%;MSFT:25.3%,US:72.2;EU:8.6;APAC:9.4;EM:8.6;Other:1.2,Value:-0.3;Growth:-0.7;Quality:-0.7;Size:+0.9;Momentum:-0.0;LowVol:+0.8,,6,25,4.7,trailing 10%,127,14.0,Volatile,25.9,4.62,4.0,180,-6,50,74,true,Hedge,Buy index puts 1% notional,22,1,BrokerD,MKT,94,RegimeShift,TightenStops,Volatility spike and breadth deterioration,117,-2,210,2,false,Monitor dispersion and breadth
P2308,Cautious,Taxable,USD,2025-01-16,811622,102407,709215,1.0,42.2,39.3,1.7,16.8,IEF:24.7%;MSFT:24.7%;VNQ:16.8%;TSLA:15.9%;GLD:17.9%,US:65.1;EU:14.7;APAC:8.0;EM:8.4;Other:3.7,Value:+0.4;Growth:+0.5;Quality:+0.8;Size:-0.7;Momentum:-0.3;LowVol:+0.7,NoMargin,8,25,3.0,hard 10%,164,13.4,Bull,13.1,4.99,2.1,96,86,100,35,false,Buy,Add to core equity +1%,2,4,BrokerC,LMT,98,None,None,Normal monitoring,-2,-25,99,3,false,Within IPS guidelines
P2309,Active,401k,USD,2025-06-12,1339449,121240,1218209,1.0,58.0,31.3,3.5,7.2,AAPL:22.1%;BND:22.1%;VNQ:14.0%;IEF:10.1%;TSLA:18.8%;BRK.B:13.0%,US:67.2;EU:14.5;APAC:6.2;EM:9.7;Other:2.4,Value:+0.5;Growth:-0.4;Quality:0.0;Size:+0.7;Momentum:+0.6;LowVol:-0.0,,5,35,4.1,trailing 8%,211,24.3,Bull,13.7,3.74,2.2,88,96,100,39,true,Reduce,"Cut high-beta by 2-3%, add cash",12,-10,BrokerA,LMT,91,VAR>budget,Reduce,Risk above budget threshold,-56,-30,-65,3,true,Within IPS guidelines
P2310,Active,Roth,USD,2025-08-23,1185962,118862,1067100,1.0,68.7,20.9,3.7,6.7,IEF:19.6%;MSFT:26.8%;BRK.B:26.8%;TSLA:26.8%,US:69.1;EU:10.5;APAC:8.6;EM:9.8;Other:2.0,Value:-0.1;Growth:-0.7;Quality:+0.6;Size:-0.9;Momentum:-0.2;LowVol:+0.8,NoDerivatives,6,25,5.5,trailing 8%,152,27.7,Volatile,26.4,4.55,3.6,160,-30,38,81,true,Reduce,"Cut high-beta by 2-3%, add cash",-11,2,BrokerA,MKT,100,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,69,-2,56,5,false,Tighten stops on momentum names
P2311,Systematic,IRA,USD,2025-12-11,464141,44091,420050,1.0,57.6,34.5,2.2,5.7,IEF:33.3%;BRK.B:33.3%;VOO:33.3%,US:66.0;EU:8.4;APAC:13.3;EM:9.8;Other:2.5,Value:+0.5;Growth:-0.1;Quality:-0.6;Size:-0.2;Momentum:+0.6;LowVol:+1.0,,8,35,4.2,trailing 8%,144,25.1,Bear,34.4,3.89,2.5,172,29,77,75,true,Hedge,Buy index puts 1% notional,-7,-7,BrokerD,MKT,97,Drift>tolerance,Reduce,Allocation drift beyond policy bands,114,8,82,5,false,Monitor dispersion and breadth
P2312,Cautious,Roth,USD,2025-07-13,194200,27337,166863,1.0,48.4,39.0,0.0,12.6,QQQ:10.7%;HYG:16.9%;AMZN:22.0%;TSLA:22.0%;BRK.B:11.0%;MSFT:17.6%,US:63.6;EU:8.6;APAC:13.0;EM:10.4;Other:4.4,Value:-0.4;Growth:+0.2;Quality:+0.3;Size:-0.2;Momentum:-0.1;LowVol:-0.2,ESGOnly;MaxPos6%;NoMargin,5,30,3.0,hard 10%,91,14.6,Bull,11.7,3.83,3.2,70,18,48,28,false,Sell,Trim extended winner -1%,-11,-20,BrokerA,LMT,88,None,None,Normal monitoring,56,-52,194,5,false,Within IPS guidelines
P2313,Hands-off,IRA,USD,2025-07-10,467734,23156,444578,1.0,67.6,23.9,0.0,8.5,VNQ:33.3%;MUB:33.3%;MSFT:33.3%,US:67.0;EU:5.9;APAC:13.2;EM:11.2;Other:2.7,Value:-0.7;Growth:-0.3;Quality:-0.5;Size:+0.4;Momentum:+0.3;LowVol:-0.4,ESGOnly;MaxPos6%,7,30,3.8,trailing 10%,111,18.3,Bull,14.4,4.54,2.4,79,97,89,40,false,Rebalance,Shift +1% to bonds from equity,18,-23,BrokerA,MKT,99,None,None,Normal monitoring,6,15,82,5,false,Monitor dispersion and breadth
P2314,Opportunistic,IRA,USD,2024-09-04,1104546,85478,1019068,1.0,67.6,16.2,11.3,4.9,TLT:30.0%;BRK.B:35.0%;MSFT:35.0%,US:66.5;EU:17.9;APAC:5.9;EM:6.7;Other:2.9,Value:0.0;Growth:+0.7;Quality:-0.8;Size:-0.6;Momentum:-0.5;LowVol:+0.3,,8,30,5.7,hard 12%,244,24.8,Bull,11.9,4.19,3.3,86,11,53,36,true,Reduce,"Cut high-beta by 2-3%, add cash",10,-33,BrokerA,MKT,92,Drift>tolerance,Reduce,Allocation drift beyond policy bands,100,-44,82,4,false,Tax-aware sells next window
P2315,Cautious,Taxable,USD,2024-09-08,233301,19525,213776,1.0,52.6,31.1,1.9,14.4,QQQ:19.7%;GLD:21.3%;TSLA:29.5%;VNQ:29.5%,US:75.3;EU:7.3;APAC:9.3;EM:5.2;Other:2.9,Value:-0.5;Growth:-0.2;Quality:+0.5;Size:-1.0;Momentum:-0.0;LowVol:+0.9,NoMargin,5,30,3.9,trailing 8%,107,18.9,Volatile,28.2,4.29,3.1,173,68,95,76,true,Reduce,"Cut high-beta by 2-3%, add cash",27,-39,BrokerD,MKT,92,RegimeShift,TightenStops,Volatility spike and breadth deterioration,97,-15,144,3,false,Tighten stops on momentum names
P2316,Systematic,Roth,USD,2025-12-21,1696675,168561,1528114,1.0,61.8,21.5,11.0,5.6,BRK.B:29.7%;AMZN:20.0%;TSLA:20.6%;VOO:29.7%,US:70.3;EU:17.7;APAC:6.2;EM:3.3;Other:2.5,Value:-0.2;Growth:-0.6;Quality:+0.9;Size:+0.7;Momentum:-0.7;LowVol:-0.7,NoDerivatives,7,25,4.5,trailing 9%,136,27.2,Sideways,19.8,4.01,3.1,116,46,74,46,false,Rebalance,Shift +1% to bonds from equity,21,-26,BrokerB,MKT,97,None,None,Normal monitoring,69,11,95,3,false,Increase defensive factor exposure
P2317,Systematic,IRA,USD,2024-07-23,1402590,120500,1282090,1.0,56.4,23.8,13.4,6.4,XLF:24.8%;QQQ:17.5%;MUB:15.8%;BND:21.5%;IEF:20.4%,US:64.9;EU:12.0;APAC:15.3;EM:4.2;Other:3.5,Value:+0.1;Growth:-0.0;Quality:-0.4;Size:+0.9;Momentum:-0.3;LowVol:-0.9,MaxPos6%,10,30,5.6,trailing 8%,223,19.9,Volatile,25.9,3.93,4.1,140,63,88,72,true,Hedge,Buy index puts 1% notional,2,-31,BrokerC,MKT,96,RegimeShift,Hedge,Volatility spike and breadth deterioration,14,-41,111,3,false,Tighten stops on momentum names
P2318,Systematic,Roth,USD,2025-01-22,1344317,122539,1221778,1.0,62.7,31.0,0.0,6.3,HYG:9.0%;GLD:19.5%;IEF:16.9%;QQQ:12.0%;XLF:21.6%;TLT:20.9%,US:67.3;EU:15.2;APAC:9.2;EM:6.5;Other:1.9,Value:0.0;Growth:+0.2;Quality:-0.6;Size:-0.1;Momentum:+0.1;LowVol:-0.0,NoDerivatives,7,35,4.5,trailing 8%,189,16.2,Bear,23.3,3.29,2.4,200,-120,5,74,true,Hedge,Buy index puts 1% notional,6,-3,BrokerA,LMT,91,RegimeShift,Pause,Volatility spike and breadth deterioration,99,9,106,3,false,Within IPS guidelines
P2319,Opportunistic,401k,USD,2025-09-02,1212723,52325,1160398,1.0,63.0,17.1,14.9,4.9,IEF:18.5%;VOO:13.8%;XLF:22.8%;BRK.B:22.8%;BND:22.1%,US:70.6;EU:10.4;APAC:6.8;EM:8.4;Other:3.9,Value:-0.7;Growth:-0.1;Quality:-0.6;Size:-0.6;Momentum:+0.2;LowVol:-0.4,,10,25,6.1,trailing 7%,250,32.7,Volatile,26.7,4.42,3.4,118,44,68,67,false,Sell,Trim extended winner -1%,-9,10,BrokerD,MKT,100,None,None,Normal monitoring,-39,-37,96,5,false,Increase defensive factor exposure
P2320,Cautious,Taxable,USD,2025-04-18,886740,122401,764339,1.0,54.7,30.1,0.0,15.2,TLT:22.8%;QQQ:22.8%;MSFT:14.8%;BRK.B:15.4%;AAPL:9.5%;VNQ:14.5%,US:60.7;EU:22.3;APAC:7.1;EM:7.8;Other:2.1,Value:-0.2;Growth:-0.3;Quality:+0.9;Size:-0.4;Momentum:+0.9;LowVol:-0.6,ESGOnly;MaxPos5%;NoMargin,10,30,5.7,trailing 8%,113,14.4,Bull,14.5,4.51,2.9,106,21,74,36,false,NoAction,Within bands; monitor,-11,-8,BrokerD,MKT,0,None,None,Normal monitoring,-43,-51,-45,3,false,Monitor dispersion and breadth
P2321,Hands-off,401k,USD,2024-11-24,422537,18479,404058,1.0,66.4,26.2,0.0,7.3,TSLA:33.3%;XLF:33.3%;AMZN:33.3%,US:58.2;EU:21.6;APAC:12.5;EM:5.0;Other:2.7,Value:-0.9;Growth:-0.8;Quality:-0.0;Size:+0.8;Momentum:-0.8;LowVol:-0.1,,7,25,5.5,hard 10%,109,19.6,Sideways,17.1,3.93,2.2,97,37,72,48,true,Reduce,"Cut high-beta by 2-3%, add cash",17,15,BrokerA,LMT,91,Drift>tolerance,Pause,Allocation drift beyond policy bands,48,-28,152,4,false,Monitor dispersion and breadth
P2322,Active,401k,USD,2024-09-04,2132808,231692,1901116,1.0,67.5,25.8,0.0,6.7,AAPL:15.4%;VNQ:12.1%;MUB:25.4%;AMZN:21.8%;VOO:25.4%,US:69.4;EU:12.9;APAC:7.1;EM:6.5;Other:4.1,Value:-0.2;Growth:-0.1;Quality:-0.1;Size:-0.9;Momentum:-0.6;LowVol:+0.6,MaxPos7%,6,25,4.9,trailing 8%,208,27.8,Bull,15.0,3.79,2.0,104,104,96,58,false,Rebalance,Shift +1% to bonds from equity,11,15,BrokerC,MKT,94,None,None,Normal monitoring,-10,19,-47,5,false,Within IPS guidelines
P2323,Hands-off,Roth,USD,2025-09-08,412705,30191,382514,1.0,55.4,23.5,15.5,5.6,HYG:7.1%;MSFT:20.6%;QQQ:19.5%;AAPL:20.4%;VTI:15.5%;XLF:16.8%,US:69.1;EU:12.4;APAC:7.2;EM:7.9;Other:3.4,Value:-0.7;Growth:-0.3;Quality:-0.8;Size:+0.5;Momentum:+0.9;LowVol:+0.3,,8,25,5.7,trailing 10%,156,16.7,Sideways,20.9,4.46,3.1,115,27,71,52,false,Hedge,Add TLT +1% as duration hedge,33,13,BrokerD,LMT,98,None,None,Normal monitoring,-46,8,35,3,false,Monitor dispersion and breadth
P2324,Active,Taxable,USD,2025-08-21,1760284,109347,1650937,1.1,63.3,28.8,0.0,7.8,IEF:10.0%;MUB:24.0%;QQQ:23.2%;GLD:18.9%;BRK.B:24.0%,US:64.8;EU:14.9;APAC:10.8;EM:7.2;Other:2.2,Value:-0.9;Growth:-0.6;Quality:-0.8;Size:0.0;Momentum:+0.3;LowVol:-0.7,MaxPos7%;NoDerivatives,10,30,5.6,trailing 9%,147,23.7,Volatile,20.5,3.9,3.0,130,-26,35,48,false,Buy,Add to core equity +1%,22,-22,BrokerD,VWAP,99,None,None,Normal monitoring,38,-34,161,5,false,Tax-aware sells next window
P2325,Cautious,IRA,USD,2025-01-11,186093,21231,164862,1.0,41.6,34.9,10.9,12.7,MSFT:30.7%;VOO:34.6%;VTI:34.6%,US:67.0;EU:10.6;APAC:9.0;EM:9.2;Other:4.2,Value:-0.1;Growth:+0.3;Quality:+0.7;Size:-0.4;Momentum:+0.8;LowVol:-0.1,MaxPos5%;NoMargin,7,30,5.7,trailing 8%,100,18.2,Volatile,20.4,4.07,2.5,129,-20,27,54,false,Buy,Add to core equity +1%,5,2,BrokerC,MKT,100,None,None,Normal monitoring,-31,-7,95,3,false,Tighten stops on momentum names
P2326,Hands-off,Taxable,USD,2025-10-01,668873,31901,636972,1.0,59.8,16.0,18.9,5.2,VNQ:33.3%;BRK.B:33.3%;TSLA:33.3%,US:68.5;EU:9.6;APAC:7.5;EM:12.5;Other:1.8,Value:+0.4;Growth:-0.1;Quality:+0.8;Size:+0.7;Momentum:+0.7;LowVol:+0.3,MaxPos6%;NoDerivatives,10,25,4.3,trailing 10%,148,15.6,Bull,13.6,4.23,3.3,93,71,76,34,true,Hedge,Buy index puts 1% notional,-13,-30,BrokerA,MKT,89,Drift>tolerance,Hedge,Allocation drift beyond policy bands,95,20,190,5,false,Within IPS guidelines
P2327,Active,IRA,USD,2025-08-22,841524,77102,764422,1.19,68.4,24.8,0.0,6.7,AAPL:12.1%;HYG:13.7%;MUB:19.9%;VNQ:20.1%;MSFT:16.8%;BRK.B:17.3%,US:64.5;EU:16.5;APAC:7.1;EM:10.5;Other:1.4,Value:+0.7;Growth:-0.7;Quality:+0.7;Size:-0.4;Momentum:0.0;LowVol:+0.8,MaxPos6%,10,25,5.3,trailing 8%,181,27.7,Sideways,16.3,4.76,2.3,109,-5,54,55,false,Buy,Add to core equity +1%,5,-28,BrokerA,VWAP,94,None,None,Normal monitoring,-58,-22,-19,5,false,Within IPS guidelines
P2328,Opportunistic,401k,USD,2024-10-09,1226442,84500,1141942,1.17,63.0,14.5,13.5,9.0,VNQ:33.3%;TSLA:33.3%;BND:33.3%,US:64.1;EU:17.3;APAC:9.8;EM:4.3;Other:4.5,Value:+0.9;Growth:+0.3;Quality:+0.3;Size:+0.2;Momentum:+0.4;LowVol:+0.1,,7,25,4.7,trailing 9%,254,23.3,Sideways,19.2,3.76,2.6,136,-4,48,49,false,Hedge,Add TLT +1% as duration hedge,14,10,BrokerC,VWAP,88,None,None,Normal monitoring,-14,-13,111,3,false,Increase defensive factor exposure
P2329,Active,401k,USD,2025-11-09,1237075,114958,1122117,1.0,63.1,26.6,3.0,7.3,HYG:21.5%;QQQ:21.5%;BRK.B:7.5%;BND:21.5%;VOO:21.5%;MSFT:6.3%,US:60.1;EU:8.6;APAC:15.5;EM:11.3;Other:4.5,Value:-0.5;Growth:-0.1;Quality:-0.7;Size:+1.0;Momentum:-0.2;LowVol:-1.0,,6,30,5.7,hard 12%,218,18.4,Bear,28.9,3.62,1.9,192,-117,5,77,true,Reduce,"Cut high-beta by 2-3%, add cash",-5,10,BrokerC,LMT,93,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-46,-5,68,2,false,Tax-aware sells next window
P2330,Systematic,IRA,USD,2025-05-23,1665252,164658,1500594,1.0,58.7,26.9,5.6,8.9,XLF:33.3%;BND:33.3%;GLD:33.3%,US:65.5;EU:13.1;APAC:11.5;EM:6.7;Other:3.3,Value:+0.8;Growth:-0.4;Quality:+0.8;Size:-0.3;Momentum:-0.2;LowVol:-0.8,,6,25,5.9,hard 12%,121,25.7,Bull,11.1,4.26,2.5,119,14,72,41,false,Rebalance,Shift +1% to bonds from equity,15,-34,BrokerD,LMT,96,None,None,Normal monitoring,-8,-11,23,5,false,Monitor dispersion and breadth
P2331,Opportunistic,Roth,USD,2025-09-15,464443,20219,444224,1.0,66.2,21.9,2.9,9.0,AMZN:19.7%;IEF:18.2%;GLD:21.0%;AAPL:20.2%;VTI:21.0%,US:63.3;EU:13.9;APAC:10.2;EM:10.6;Other:2.0,Value:+0.3;Growth:-1.0;Quality:-0.8;Size:+0.6;Momentum:+0.5;LowVol:-0.5,NoDerivatives,6,35,5.9,trailing 9%,172,20.7,Bull,13.6,3.62,2.6,77,18,58,36,false,Sell,Trim extended winner -1%,0,-26,BrokerB,MKT,96,None,None,Normal monitoring,86,-3,145,5,false,Monitor dispersion and breadth
P2332,Opportunistic,Taxable,USD,2024-10-14,1383187,119056,1264131,1.0,60.8,18.9,11.3,9.0,MSFT:13.8%;AAPL:10.3%;IEF:25.5%;TLT:24.9%;MUB:25.5%,US:71.0;EU:10.0;APAC:13.7;EM:4.6;Other:0.8,Value:+0.7;Growth:-1.0;Quality:-0.5;Size:0.0;Momentum:+0.2;LowVol:+0.1,MaxPos5%,6,25,5.9,hard 12%,193,23.9,Volatile,30.8,4.88,4.4,166,-28,34,72,true,Rebalance,Rebalance back to target bands,33,-24,BrokerA,VWAP,96,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,16,-35,25,4,true,Tighten stops on momentum names
P2333,Hands-off,Roth,USD,2025-08-23,261135,20797,240338,1.0,68.8,22.5,0.0,8.7,VTI:29.5%;BND:21.5%;MSFT:19.5%;TSLA:29.5%,US:75.6;EU:5.7;APAC:8.8;EM:9.8;Other:0.1,Value:+0.6;Growth:+0.8;Quality:+0.7;Size:+1.0;Momentum:-0.5;LowVol:-0.2,MaxPos7%,6,30,4.7,hard 10%,169,17.2,Bull,11.1,4.15,2.1,103,66,88,50,false,Hedge,Add TLT +1% as duration hedge,-5,-40,BrokerA,LMT,99,None,None,Normal monitoring,-59,-21,-54,5,false,Increase defensive factor exposure
P2334,Systematic,401k,USD,2025-07-28,1578676,119392,1459284,1.0,59.0,31.8,0.1,9.1,HYG:23.4%;AMZN:23.4%;VNQ:15.0%;BND:23.4%;VTI:14.8%,US:58.8;EU:15.7;APAC:13.0;EM:12.4;Other:0.1,Value:+0.3;Growth:+0.1;Quality:+0.5;Size:+0.2;Momentum:-0.1;LowVol:-0.2,MaxPos7%,7,35,4.8,trailing 8%,132,21.8,Bull,17.2,4.73,2.8,81,23,60,46,false,Rebalance,Shift +1% to bonds from equity,21,11,BrokerC,VWAP,91,None,None,Normal monitoring,112,-40,172,5,false,Tax-aware sells next window
P2335,Hands-off,Roth,USD,2025-02-14,363681,14654,349027,1.0,70.2,20.0,2.7,7.1,AAPL:26.0%;BND:17.7%;IEF:28.2%;HYG:28.2%,US:64.6;EU:15.6;APAC:10.1;EM:7.2;Other:2.6,Value:-0.8;Growth:+1.0;Quality:-0.5;Size:+1.0;Momentum:+0.3;LowVol:-0.5,NoDerivatives,10,30,5.7,trailing 8%,113,18.6,Bear,24.0,3.7,3.0,130,-98,5,78,true,Hedge,Buy index puts 1% notional,11,0,BrokerA,MKT,100,VAR>budget,Hedge,Risk above budget threshold,45,-32,14,2,false,Monitor dispersion and breadth
P2336,Active,401k,USD,2024-12-14,2454795,154750,2300045,1.0,62.9,28.4,3.6,5.2,XLF:27.1%;VTI:27.1%;VOO:22.8%;GLD:23.0%,US:69.3;EU:9.6;APAC:13.3;EM:5.5;Other:2.3,Value:+0.4;Growth:+0.3;Quality:+0.8;Size:-0.6;Momentum:+0.6;LowVol:+0.1,NoDerivatives,7,25,4.7,hard 12%,163,16.1,Bull,13.7,4.5,2.3,91,33,78,43,true,Reduce,"Cut high-beta by 2-3%, add cash",-4,-5,BrokerD,VWAP,93,RegimeShift,Hedge,Volatility spike and breadth deterioration,-40,-11,-38,3,false,Monitor dispersion and breadth
P2337,Active,Trust,USD,2024-07-24,1178827,124343,1054484,1.17,68.1,22.9,3.1,5.9,AAPL:13.9%;BRK.B:24.4%;VTI:22.9%;MUB:14.4%;MSFT:24.4%,US:73.9;EU:13.0;APAC:6.7;EM:3.8;Other:2.7,Value:+0.7;Growth:-0.3;Quality:+0.8;Size:-0.4;Momentum:+1.0;LowVol:+0.5,,5,30,5.6,hard 12%,181,21.4,Volatile,26.5,4.26,2.4,156,43,69,67,true,Hedge,Buy index puts 1% notional,29,-11,BrokerB,LMT,90,RegimeShift,TightenStops,Volatility spike and breadth deterioration,10,-29,4,2,false,Increase defensive factor exposure
P2338,Cautious,401k,USD,2025-07-31,494935,51168,443767,1.0,40.2,33.5,9.8,16.6,AMZN:33.3%;BRK.B:33.3%;IEF:33.3%,US:63.5;EU:19.1;APAC:7.8;EM:5.5;Other:4.1,Value:0.0;Growth:+0.8;Quality:-0.8;Size:+0.7;Momentum:-0.7;LowVol:+0.7,NoDerivatives;NoMargin,6,25,4.9,trailing 8%,151,12.8,Bull,13.2,4.16,3.3,79,57,83,22,false,Buy,Add to core equity +1%,19,-16,BrokerA,LMT,100,None,None,Normal monitoring,-16,12,105,5,false,Increase defensive factor exposure
P2339,Opportunistic,IRA,USD,2025-12-02,1407389,42409,1364980,1.0,60.6,20.3,12.1,7.0,AMZN:33.3%;IEF:33.3%;BND:33.3%,US:73.1;EU:6.6;APAC:9.0;EM:8.5;Other:2.9,Value:+0.8;Growth:+1.0;Quality:-0.1;Size:-0.0;Momentum:-0.2;LowVol:-0.6,MaxPos5%,8,35,4.5,trailing 7%,260,31.4,Bull,17.6,3.61,3.5,112,115,100,45,false,Sell,Trim extended winner -1%,35,-19,BrokerD,VWAP,94,None,None,Normal monitoring,4,9,-15,5,false,Increase defensive factor exposure
P2340,Active,Roth,USD,2024-11-28,1853043,188924,1664119,1.0,67.3,19.7,5.1,7.9,VTI:26.4%;QQQ:20.9%;HYG:26.4%;VNQ:26.4%,US:70.4;EU:6.8;APAC:6.1;EM:12.4;Other:4.3,Value:-0.1;Growth:-0.7;Quality:-0.6;Size:-0.6;Momentum:-0.6;LowVol:-0.6,MaxPos7%,5,25,5.8,hard 12%,161,17.6,Sideways,14.3,4.96,3.4,102,6,60,53,false,Rebalance,Shift +1% to bonds from equity,0,7,BrokerD,MKT,92,None,None,Normal monitoring,-54,-16,-70,4,false,Monitor dispersion and breadth
P2341,Opportunistic,IRA,USD,2025-01-22,1542394,85424,1456970,1.09,71.3,15.6,7.4,5.7,AMZN:27.5%;MUB:17.0%;MSFT:27.8%;VOO:27.8%,US:69.7;EU:6.5;APAC:8.2;EM:15.1;Other:0.5,Value:+0.2;Growth:+0.2;Quality:+0.1;Size:+0.6;Momentum:+0.6;LowVol:-0.6,,6,25,6.3,trailing 7%,163,26.3,Volatile,28.3,3.97,2.8,119,-53,14,80,true,Reduce,"Cut high-beta by 2-3%, add cash",5,-15,BrokerD,MKT,88,RegimeShift,TightenStops,Volatility spike and breadth deterioration,-32,-44,7,5,true,Within IPS guidelines
P2342,Cautious,Roth,USD,2024-09-16,449272,63068,386204,1.0,50.2,34.1,0.0,15.7,BND:26.7%;BRK.B:26.7%;XLF:24.3%;MSFT:22.4%,US:61.3;EU:15.4;APAC:11.6;EM:7.7;Other:4.0,Value:+1.0;Growth:-0.8;Quality:+0.4;Size:+0.2;Momentum:-0.0;LowVol:-0.4,NoDerivatives;NoMargin,10,30,5.6,hard 10%,91,15.1,Bull,16.8,4.99,2.1,114,77,100,46,false,Sell,Trim extended winner -1%,-13,3,BrokerA,LMT,96,None,None,Normal monitoring,98,-25,204,4,false,Increase defensive factor exposure
P2343,Opportunistic,IRA,USD,2024-07-15,556673,20346,536327,1.0,65.6,11.6,17.8,5.0,BND:25.6%;TSLA:25.6%;VTI:25.6%;GLD:23.1%,US:60.6;EU:17.7;APAC:8.4;EM:8.4;Other:5.0,Value:-0.1;Growth:+0.2;Quality:+0.8;Size:+0.1;Momentum:-0.9;LowVol:+0.1,MaxPos8%,5,25,6.2,hard 12%,206,33.1,Bull,15.0,3.61,2.3,70,29,68,39,false,Buy,Add to core equity +1%,29,-26,BrokerB,LMT,99,None,None,Normal monitoring,9,-39,141,4,false,Within IPS guidelines
P2344,Opportunistic,401k,USD,2025-08-19,737245,47842,689403,1.0,66.1,14.1,15.5,4.4,VTI:34.1%;BND:31.8%;QQQ:34.1%,US:59.6;EU:20.7;APAC:11.7;EM:7.4;Other:0.7,Value:+0.6;Growth:+0.2;Quality:+0.6;Size:-0.6;Momentum:+1.0;LowVol:-0.7,,8,25,5.6,trailing 7%,228,27.2,Volatile,23.1,5.5,3.4,124,-51,17,63,false,Sell,Trim extended winner -1%,28,-30,BrokerB,MKT,99,None,None,Normal monitoring,-5,2,106,3,false,Tax-aware sells next window
P2345,Cautious,401k,USD,2025-08-30,312428,39375,273053,1.0,41.5,31.4,11.3,15.8,HYG:26.2%;AMZN:26.2%;MUB:21.4%;XLF:26.2%,US:73.2;EU:7.9;APAC:6.9;EM:6.7;Other:5.3,Value:+0.3;Growth:-0.9;Quality:-0.8;Size:-0.4;Momentum:-0.6;LowVol:-0.4,ESGOnly;NoMargin,6,25,4.2,trailing 10%,118,17.4,Volatile,21.2,4.22,4.1,128,37,71,49,true,Hedge,Buy index puts 1% notional,14,4,BrokerB,LMT,95,RegimeShift,Hedge,Volatility spike and breadth deterioration,92,13,89,5,false,Tighten stops on momentum names
P2346,Active,401k,USD,2025-11-01,2418150,167643,2250507,1.0,66.4,22.6,2.2,8.8,XLF:21.2%;MUB:21.2%;MSFT:9.6%;AAPL:21.2%;AMZN:13.0%;BRK.B:13.8%,US:77.0;EU:7.2;APAC:7.4;EM:4.8;Other:3.6,Value:-0.0;Growth:+0.1;Quality:-0.5;Size:-0.9;Momentum:+0.1;LowVol:+0.5,,5,30,4.7,trailing 9%,187,22.2,Bear,33.1,3.05,1.3,150,40,76,76,true,Hedge,Buy index puts 1% notional,-4,-1,BrokerA,MKT,92,VAR>budget,Hedge,Risk above budget threshold,72,-18,80,4,true,Tighten stops on momentum names
P2347,Cautious,IRA,USD,2025-09-06,708600,69783,638817,1.0,39.6,44.9,1.6,13.9,HYG:17.5%;VNQ:24.7%;VTI:17.2%;GLD:15.8%;MSFT:24.7%,US:66.9;EU:14.2;APAC:8.5;EM:10.4;Other:0.1,Value:+0.9;Growth:-0.8;Quality:+0.5;Size:-0.4;Momentum:-0.9;LowVol:-0.0,ESGOnly;NoDerivatives;NoMargin,6,25,4.7,trailing 8%,139,16.2,Bear,23.3,3.66,2.6,206,-5,51,57,false,Rebalance,Shift +1% to bonds from equity,-8,-25,BrokerD,LMT,99,None,None,Normal monitoring,69,-50,61,3,false,Within IPS guidelines
P2348,Active,IRA,USD,2025-06-30,2363736,172251,2191485,1.0,62.5,26.4,5.5,5.6,AMZN:27.9%;VNQ:17.5%;GLD:27.9%;XLF:26.8%,US:60.4;EU:15.4;APAC:11.9;EM:8.7;Other:3.6,Value:+0.3;Growth:+0.5;Quality:-0.0;Size:+0.7;Momentum:+0.3;LowVol:+0.2,MaxPos6%,5,35,5.2,trailing 8%,179,25.0,Bull,14.4,4.0,3.4,78,60,91,48,false,Sell,Trim extended winner -1%,-10,8,BrokerB,VWAP,86,None,None,Normal monitoring,88,-23,102,4,false,Monitor dispersion and breadth
P2349,Cautious,Roth,USD,2024-12-06,568563,90861,477702,1.0,42.9,44.4,1.4,11.2,BRK.B:16.5%;IEF:24.6%;TSLA:24.6%;HYG:17.8%;GLD:16.5%,US:67.8;EU:17.7;APAC:6.3;EM:3.7;Other:4.5,Value:+1.0;Growth:+0.9;Quality:+0.6;Size:+0.7;Momentum:-0.1;LowVol:+0.7,NoMargin,5,25,5.0,trailing 8%,138,14.2,Bear,32.8,4.05,2.6,153,27,73,73,true,Reduce,"Cut high-beta by 2-3%, add cash",34,-11,BrokerD,LMT,99,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-41,-28,-21,4,false,Tax-aware sells next window
P2350,Hands-off,Taxable,USD,2025-04-02,339252,23902,315350,1.0,58.5,28.0,8.5,5.1,TSLA:23.3%;VOO:25.6%;GLD:25.6%;HYG:25.6%,US:66.1;EU:16.7;APAC:7.5;EM:7.8;Other:1.9,Value:+0.7;Growth:+0.7;Quality:+0.1;Size:-0.5;Momentum:+0.2;LowVol:-0.2,NoDerivatives,8,25,4.6,trailing 10%,153,13.3,Sideways,20.0,4.97,3.4,123,5,48,58,true,Hedge,Buy index puts 1% notional,6,-21,BrokerC,LMT,87,RegimeShift,Hedge,Volatility spike and breadth deterioration,-8,-30,104,4,false,Monitor dispersion and breadth
P2351,Active,Roth,USD,2025-07-05,1196224,85909,1110315,1.25,55.8,21.5,17.5,5.3,VTI:18.4%;MSFT:17.8%;GLD:17.6%;HYG:20.7%;XLF:10.2%;VOO:15.2%,US:66.9;EU:11.1;APAC:11.0;EM:8.9;Other:2.2,Value:+0.6;Growth:+0.5;Quality:+0.7;Size:+0.8;Momentum:-0.3;LowVol:-0.3,MaxPos5%,8,30,4.1,trailing 8%,168,27.5,Volatile,28.8,3.89,3.6,170,37,65,62,false,Sell,Trim extended winner -1%,-2,-23,BrokerD,MKT,93,None,None,Normal monitoring,15,-58,-15,3,false,Tax-aware sells next window
P2352,Cautious,Taxable,USD,2025-07-24,678122,96824,581298,1.0,47.3,38.3,0.0,14.4,VTI:19.3%;QQQ:26.9%;HYG:26.9%;MUB:26.9%,US:58.4;EU:12.7;APAC:13.9;EM:11.7;Other:3.3,Value:+0.3;Growth:+0.5;Quality:-0.4;Size:+0.7;Momentum:+0.7;LowVol:+0.1,NoMargin,6,25,4.3,trailing 10%,151,16.9,Bear,34.5,3.18,3.0,199,-49,12,68,false,Rebalance,Shift +1% to bonds from equity,9,-19,BrokerA,LMT,86,None,None,Normal monitoring,-51,4,-45,5,false,Monitor dispersion and breadth
P2353,Hands-off,401k,USD,2025-07-13,226596,10568,216028,1.0,74.2,16.0,4.6,5.3,VNQ:14.5%;MSFT:18.0%;XLF:19.3%;VTI:16.4%;MUB:18.9%;TLT:12.9%,US:64.8;EU:13.3;APAC:12.9;EM:3.9;Other:5.1,Value:-0.3;Growth:+0.1;Quality:-0.8;Size:-0.2;Momentum:+0.6;LowVol:+0.3,ESGOnly,7,35,6.0,hard 10%,128,14.7,Sideways,15.0,4.9,2.6,116,6,50,56,false,Sell,Trim extended winner -1%,30,8,BrokerB,MKT,92,None,None,Normal monitoring,-47,-56,-79,5,false,Tax-aware sells next window
P2354,Active,Roth,USD,2025-07-21,1251679,116389,1135290,1.14,62.3,22.0,7.7,8.0,QQQ:26.9%;IEF:21.9%;BND:27.6%;MUB:23.6%,US:70.1;EU:10.9;APAC:8.1;EM:10.6;Other:0.2,Value:+0.9;Growth:+0.6;Quality:-0.3;Size:-0.7;Momentum:-0.3;LowVol:+0.1,,5,35,4.3,trailing 9%,216,22.8,Sideways,17.8,3.52,3.2,107,-5,56,60,false,NoAction,Within bands; monitor,-7,6,BrokerA,LMT,100,None,None,Normal monitoring,79,-21,211,3,false,Tax-aware sells next window
P2355,Hands-off,Trust,USD,2025-07-13,450419,28941,421478,1.0,70.8,16.1,4.8,8.3,IEF:14.0%;BND:17.8%;HYG:20.2%;VNQ:7.6%;TSLA:20.5%;VOO:19.8%,US:67.9;EU:7.9;APAC:12.8;EM:8.4;Other:2.9,Value:+0.9;Growth:+1.0;Quality:+0.5;Size:0.0;Momentum:+0.8;LowVol:+0.5,MaxPos8%,8,25,5.6,trailing 8%,165,15.8,Bull,12.7,4.8,3.4,75,66,93,39,false,Buy,Add to core equity +1%,20,-14,BrokerD,MKT,97,None,None,Normal monitoring,51,6,46,4,false,Within IPS guidelines
P2356,Hands-off,401k,USD,2025-06-22,213713,11670,202043,1.0,60.0,16.5,14.8,8.7,IEF:33.3%;VOO:33.3%;TSLA:33.3%,US:64.2;EU:14.9;APAC:11.8;EM:7.2;Other:1.8,Value:0.0;Growth:0.0;Quality:-0.9;Size:-1.0;Momentum:0.0;LowVol:+0.7,ESGOnly;MaxPos8%,10,25,3.9,hard 10%,129,13.8,Bull,11.9,3.85,2.0,88,64,92,36,true,Hedge,Buy index puts 1% notional,31,-5,BrokerD,VWAP,97,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-27,-21,63,2,false,Tax-aware sells next window
P2357,Hands-off,Trust,USD,2025-06-24,301220,13915,287305,1.0,65.3,16.2,11.8,6.7,XLF:18.6%;VTI:13.3%;BND:21.5%;HYG:21.5%;IEF:9.9%;VOO:15.2%,US:59.6;EU:16.3;APAC:14.3;EM:6.8;Other:3.1,Value:+0.8;Growth:+0.3;Quality:-0.7;Size:+0.3;Momentum:+0.7;LowVol:+0.8,ESGOnly;NoDerivatives,10,25,3.1,hard 10%,136,12.2,Bull,14.4,4.98,2.0,106,38,62,48,false,NoAction,Within bands; monitor,-8,-39,BrokerC,MKT,0,None,None,Normal monitoring,54,-46,94,3,false,Within IPS guidelines
P2358,Active,Taxable,USD,2025-06-05,1453064,128507,1324557,1.0,67.6,26.9,0.0,5.5,MUB:16.4%;VNQ:17.2%;TSLA:14.4%;AAPL:19.5%;QQQ:13.5%;TLT:18.9%,US:64.9;EU:11.1;APAC:14.1;EM:8.1;Other:1.8,Value:+0.7;Growth:0.0;Quality:-0.2;Size:-0.5;Momentum:+0.9;LowVol:+0.9,MaxPos5%,6,25,5.6,trailing 9%,204,20.1,Bull,15.8,4.23,2.7,114,20,51,47,false,Rebalance,Shift +1% to bonds from equity,29,-40,BrokerB,LMT,94,None,None,Normal monitoring,-19,-51,-39,3,false,Within IPS guidelines
P2359,Opportunistic,Roth,USD,2025-06-27,505284,15510,489774,1.0,62.4,21.8,8.5,7.3,GLD:17.2%;BND:16.5%;IEF:16.6%;VNQ:20.2%;VOO:21.8%;BRK.B:7.7%,US:71.6;EU:6.7;APAC:11.2;EM:10.0;Other:0.5,Value:+0.7;Growth:-0.3;Quality:-0.5;Size:-0.9;Momentum:-0.9;LowVol:-0.2,NoDerivatives,8,30,4.8,hard 12%,263,31.9,Bull,16.1,3.96,2.9,94,78,100,42,false,Sell,Trim extended winner -1%,5,12,BrokerD,MKT,86,None,None,Normal monitoring,80,-27,165,4,false,Monitor dispersion and breadth
P2360,Cautious,IRA,USD,2025-05-14,496365,40023,456342,1.0,37.1,34.6,18.1,10.2,TLT:15.8%;TSLA:11.7%;IEF:20.8%;AAPL:15.7%;BRK.B:15.0%;MSFT:20.8%,US:68.7;EU:14.4;APAC:8.0;EM:6.4;Other:2.5,Value:+0.1;Growth:-0.8;Quality:-1.0;Size:+0.4;Momentum:+0.8;LowVol:-0.4,NoDerivatives;NoMargin,5,30,5.3,trailing 10%,126,12.2,Volatile,21.5,4.49,2.8,129,-10,49,51,true,Hedge,Buy index puts 1% notional,21,-2,BrokerA,LMT,93,Drift>tolerance,Hedge,Allocation drift beyond policy bands,56,-2,98,2,false,Monitor dispersion and breadth
P2361,Active,Trust,USD,2025-08-22,881204,60761,820443,1.0,50.8,21.2,22.0,6.0,XLF:14.9%;VNQ:22.0%;AAPL:19.2%;TLT:22.0%;VOO:22.0%,US:69.8;EU:7.4;APAC:14.3;EM:3.6;Other:4.9,Value:+0.9;Growth:-0.3;Quality:-0.9;Size:+0.5;Momentum:-0.7;LowVol:-0.2,,10,30,5.6,trailing 8%,225,24.9,Sideways,20.7,4.1,3.1,109,30,61,56,false,Rebalance,Shift +1% to bonds from equity,31,-29,BrokerA,MKT,93,None,None,Normal monitoring,5,-1,34,4,false,Within IPS guidelines
P2362,Hands-off,401k,USD,2025-05-14,306246,15272,290974,1.0,62.1,23.7,6.5,7.8,XLF:10.5%;GLD:22.6%;BRK.B:22.6%;HYG:21.6%;MSFT:22.6%,US:73.0;EU:10.7;APAC:5.7;EM:9.2;Other:1.3,Value:-0.4;Growth:+0.4;Quality:+0.4;Size:-0.2;Momentum:+0.4;LowVol:+0.6,NoDerivatives,6,35,5.3,trailing 8%,136,15.5,Sideways,20.4,4.17,3.0,92,55,72,66,false,Sell,Trim extended winner -1%,20,5,BrokerC,LMT,89,None,None,Normal monitoring,61,-45,59,5,false,Within IPS guidelines
P2363,Opportunistic,Trust,USD,2025-03-21,1282511,107673,1174838,1.0,64.7,17.5,11.4,6.4,BND:33.3%;VOO:33.3%;BRK.B:33.3%,US:73.7;EU:7.3;APAC:6.4;EM:9.0;Other:3.6,Value:-0.5;Growth:-0.2;Quality:-0.9;Size:-0.9;Momentum:-0.2;LowVol:+0.7,MaxPos6%,8,35,4.3,hard 12%,179,25.5,Bull,12.3,4.79,2.8,104,112,97,42,false,Rebalance,Shift +1% to bonds from equity,4,1,BrokerA,MKT,85,None,None,Normal monitoring,-24,14,-38,4,false,Monitor dispersion and breadth
P2364,Active,Taxable,USD,2025-06-17,579948,51873,528075,1.0,58.3,20.1,13.7,7.9,XLF:21.3%;HYG:23.2%;TLT:27.7%;VNQ:27.7%,US:67.5;EU:7.3;APAC:10.5;EM:12.8;Other:1.9,Value:-0.4;Growth:-0.3;Quality:-0.5;Size:-0.6;Momentum:+0.4;LowVol:-0.1,NoDerivatives,10,35,5.7,hard 12%,120,16.4,Bull,14.0,3.84,3.2,106,30,69,38,false,Rebalance,Shift +1% to bonds from equity,11,-1,BrokerD,MKT,86,None,None,Normal monitoring,67,19,104,4,false,Tax-aware sells next window
P2365,Cautious,Taxable,USD,2025-10-04,376418,43209,333209,1.0,48.0,41.4,0.0,10.6,VOO:21.2%;GLD:21.8%;BND:16.2%;MUB:21.8%;AAPL:18.9%,US:69.8;EU:15.0;APAC:7.2;EM:4.5;Other:3.4,Value:-0.2;Growth:+0.5;Quality:+0.1;Size:-0.2;Momentum:0.0;LowVol:+0.5,NoMargin,8,30,5.8,hard 10%,123,14.1,Sideways,21.9,4.04,3.3,107,-10,44,56,false,NoAction,Within bands; monitor,13,-13,BrokerB,LMT,95,None,None,Normal monitoring,38,-31,118,5,false,Tighten stops on momentum names
P2366,Cautious,Roth,USD,2025-04-13,454610,52786,401824,1.0,39.2,37.3,5.7,17.7,TSLA:33.3%;QQQ:33.3%;MSFT:33.3%,US:76.5;EU:6.3;APAC:13.2;EM:3.6;Other:0.5,Value:+0.7;Growth:-0.6;Quality:-0.2;Size:-1.0;Momentum:-0.5;LowVol:-0.8,NoMargin,10,35,5.9,hard 10%,119,18.4,Volatile,28.4,5.35,3.0,178,-23,41,59,false,Rebalance,Shift +1% to bonds from equity,5,-27,BrokerB,VWAP,96,None,None,Normal monitoring,10,-24,35,3,false,Tax-aware sells next window
P2367,Hands-off,IRA,USD,2025-06-19,315390,23665,291725,1.0,58.7,28.6,3.0,9.7,TLT:33.3%;QQQ:33.3%;XLF:33.3%,US:65.0;EU:15.8;APAC:10.1;EM:5.2;Other:3.9,Value:-0.8;Growth:+0.6;Quality:-1.0;Size:+0.6;Momentum:-0.7;LowVol:+0.8,ESGOnly;MaxPos5%,7,30,3.8,trailing 8%,157,15.5,Volatile,20.4,4.23,4.4,171,-37,46,48,true,Rebalance,Rebalance back to target bands,-1,-18,BrokerC,MKT,92,RegimeShift,Reduce,Volatility spike and breadth deterioration,120,-15,116,4,false,Within IPS guidelines
P2368,Opportunistic,401k,USD,2025-09-11,1724729,123853,1600876,1.0,72.9,19.2,0.0,7.9,TSLA:6.3%;VTI:21.8%;MSFT:21.8%;QQQ:21.2%;BND:7.2%;XLF:21.8%,US:63.2;EU:16.9;APAC:9.8;EM:5.4;Other:4.8,Value:-0.4;Growth:+0.9;Quality:+0.9;Size:-0.3;Momentum:+0.7;LowVol:-0.4,MaxPos7%;NoDerivatives,5,30,5.0,hard 12%,251,27.8,Bull,16.4,3.8,2.1,82,114,100,65,false,Rebalance,Shift +1% to bonds from equity,19,-39,BrokerC,LMT,93,None,None,Normal monitoring,11,-7,35,3,false,Within IPS guidelines
P2369,Opportunistic,IRA,USD,2025-01-01,1239993,92795,1147198,1.0,71.0,20.5,0.0,8.5,VNQ:23.4%;AAPL:13.9%;MSFT:16.1%;IEF:23.4%;VTI:23.4%,US:69.7;EU:5.5;APAC:13.0;EM:7.2;Other:4.7,Value:+0.4;Growth:+0.9;Quality:-0.0;Size:-0.7;Momentum:+0.5;LowVol:-0.3,,5,25,4.1,trailing 9%,266,27.7,Bull,11.0,3.64,3.3,94,55,62,49,false,Rebalance,Shift +1% to bonds from equity,0,9,BrokerC,LMT,97,None,None,Normal monitoring,67,-9,186,3,false,Tax-aware sells next window
P2370,Opportunistic,Roth,USD,2025-10-10,1643599,70426,1573173,1.1,71.7,13.6,6.4,8.4,IEF:14.4%;VNQ:16.5%;VTI:17.7%;VOO:16.1%;BRK.B:22.9%;TSLA:12.3%,US:65.1;EU:16.8;APAC:12.5;EM:3.5;Other:2.1,Value:-0.2;Growth:-0.9;Quality:-0.5;Size:+0.9;Momentum:+0.5;LowVol:-0.3,,10,30,6.5,trailing 7%,173,23.2,Sideways,21.7,4.29,2.6,92,37,59,73,false,Sell,Trim extended winner -1%,-2,15,BrokerC,MKT,87,None,None,Normal monitoring,-29,-50,-54,3,false,Tighten stops on momentum names
P2371,Active,Roth,USD,2024-12-22,915881,83137,832744,1.13,50.2,30.3,9.9,9.6,TSLA:33.3%;MUB:33.3%;AMZN:33.3%,US:71.8;EU:10.7;APAC:11.4;EM:3.8;Other:2.3,Value:-0.3;Growth:+0.5;Quality:+0.8;Size:-0.2;Momentum:-0.9;LowVol:-0.9,MaxPos7%;NoDerivatives,10,25,5.7,hard 12%,121,24.6,Volatile,20.2,4.66,3.4,125,53,69,45,false,Sell,Trim extended winner -1%,27,-25,BrokerB,VWAP,95,None,None,Normal monitoring,23,17,132,5,false,Monitor dispersion and breadth
P2372,Opportunistic,Roth,USD,2025-05-17,1295763,64136,1231627,1.12,61.3,15.4,18.3,5.0,BRK.B:26.5%;VNQ:36.7%;TLT:36.7%,US:59.9;EU:16.5;APAC:9.3;EM:10.6;Other:3.6,Value:+0.9;Growth:-0.3;Quality:-0.9;Size:-0.6;Momentum:-0.8;LowVol:+0.7,,5,30,6.6,trailing 7%,202,20.1,Sideways,17.0,3.65,2.9,135,-16,56,49,false,Buy,Add to core equity +1%,4,-20,BrokerD,LMT,92,None,None,Normal monitoring,44,-23,17,3,false,Monitor dispersion and breadth
P2373,Cautious,Taxable,USD,2025-05-23,438576,40465,398111,1.0,42.0,44.6,0.0,13.4,HYG:33.3%;TSLA:33.3%;MSFT:33.3%,US:71.9;EU:7.2;APAC:8.7;EM:8.8;Other:3.3,Value:+0.7;Growth:-0.1;Quality:-0.6;Size:+0.6;Momentum:-0.3;LowVol:-0.4,ESGOnly;NoMargin,5,25,3.3,trailing 8%,122,19.6,Bear,29.8,3.13,1.2,163,-7,51,66,false,Sell,Trim extended winner -1%,34,-20,BrokerD,LMT,91,None,None,Normal monitoring,32,-22,169,3,false,Monitor dispersion and breadth
P2374,Active,Roth,USD,2024-10-19,1764354,171661,1592693,1.23,65.8,26.8,0.0,7.4,QQQ:17.5%;AAPL:21.2%;VNQ:21.2%;VTI:21.2%;BRK.B:19.1%,US:60.7;EU:14.4;APAC:8.2;EM:11.4;Other:5.3,Value:-0.4;Growth:-0.3;Quality:-0.5;Size:+0.2;Momentum:-0.0;LowVol:-0.7,NoDerivatives,8,30,5.3,trailing 9%,121,24.4,Bear,26.9,3.98,1.1,195,-28,45,79,true,Reduce,"Cut high-beta by 2-3%, add cash",-14,-9,BrokerB,LMT,92,RegimeShift,Hedge,Volatility spike and breadth deterioration,114,2,125,3,false,Within IPS guidelines
P2375,Systematic,Trust,USD,2025-05-07,1278647,57588,1221059,1.0,59.9,20.6,13.8,5.7,BND:17.2%;VTI:8.0%;GLD:15.4%;AMZN:21.1%;MUB:17.2%;AAPL:21.1%,US:72.1;EU:11.6;APAC:5.8;EM:9.2;Other:1.3,Value:-1.0;Growth:+0.9;Quality:+0.4;Size:-0.1;Momentum:-0.9;LowVol:+0.8,,8,35,5.2,hard 12%,138,26.3,Volatile,24.4,4.82,3.6,115,6,42,59,false,Sell,Trim extended winner -1%,17,-8,BrokerD,MKT,95,None,None,Normal monitoring,114,-50,246,4,false,Monitor dispersion and breadth
P2376,Opportunistic,Taxable,USD,2025-09-20,554577,44237,510340,1.14,76.2,10.6,4.5,8.8,GLD:18.1%;VOO:20.6%;VNQ:30.7%;TLT:30.7%,US:60.6;EU:20.8;APAC:10.7;EM:4.2;Other:3.6,Value:-1.0;Growth:+0.5;Quality:-0.2;Size:-0.7;Momentum:+0.1;LowVol:+1.0,,5,30,4.6,hard 12%,163,25.4,Volatile,27.4,3.73,3.8,121,64,81,87,true,Reduce,"Cut high-beta by 2-3%, add cash",9,-19,BrokerD,MKT,97,VAR>budget,Hedge,Risk above budget threshold,77,-28,160,4,false,Monitor dispersion and breadth
P2377,Cautious,IRA,USD,2024-09-27,519605,63461,456144,1.0,43.3,42.1,2.6,12.0,AMZN:20.7%;TSLA:19.8%;VNQ:18.2%;TLT:20.7%;BND:20.7%,US:61.3;EU:11.7;APAC:14.6;EM:8.5;Other:3.9,Value:-0.6;Growth:-0.2;Quality:+0.9;Size:+0.7;Momentum:+0.7;LowVol:-0.8,NoMargin,5,35,3.2,trailing 10%,105,18.7,Volatile,31.5,3.9,2.7,143,12,63,68,false,Rebalance,Shift +1% to bonds from equity,11,4,BrokerD,MKT,91,None,None,Normal monitoring,116,-41,186,3,false,Tighten stops on momentum names
P2378,Active,Roth,USD,2025-02-11,782528,89803,692725,1.0,56.5,23.6,10.7,9.1,VOO:33.3%;AAPL:33.3%;IEF:33.3%,US:64.5;EU:16.7;APAC:8.2;EM:4.4;Other:6.1,Value:+0.4;Growth:+0.3;Quality:+0.3;Size:+0.3;Momentum:-0.2;LowVol:-0.6,MaxPos7%,6,30,5.4,hard 12%,148,23.6,Volatile,28.3,4.1,2.2,166,65,83,74,true,Reduce,"Cut high-beta by 2-3%, add cash",25,6,BrokerA,MKT,94,VAR>budget,Reduce,Risk above budget threshold,-14,-47,-6,3,false,Monitor dispersion and breadth
P2379,Cautious,401k,USD,2025-01-25,421380,44272,377108,1.0,35.3,37.3,11.6,15.8,BRK.B:33.3%;XLF:33.3%;MUB:33.3%,US:59.6;EU:18.3;APAC:13.3;EM:7.0;Other:1.7,Value:0.0;Growth:-0.8;Quality:-0.6;Size:-0.3;Momentum:-0.5;LowVol:+0.3,ESGOnly;NoDerivatives;NoMargin,10,30,3.1,hard 10%,147,14.9,Volatile,21.6,4.61,2.1,142,39,66,43,true,Reduce,"Cut high-beta by 2-3%, add cash",-11,-16,BrokerD,LMT,93,Drift>tolerance,Reduce,Allocation drift beyond policy bands,38,-26,77,4,false,Tighten stops on momentum names
P2380,Cautious,Taxable,USD,2024-10-26,589659,49828,539831,1.0,48.0,39.4,2.5,10.1,VNQ:12.6%;GLD:18.4%;QQQ:18.5%;TSLA:21.5%;AMZN:21.5%;AAPL:7.5%,US:68.1;EU:15.1;APAC:11.1;EM:5.5;Other:0.3,Value:-0.9;Growth:-0.3;Quality:-0.1;Size:+1.0;Momentum:-0.1;LowVol:+0.1,MaxPos5%;NoMargin,10,30,5.4,trailing 8%,117,16.8,Bear,25.4,3.04,2.3,132,2,38,49,false,Rebalance,Shift +1% to bonds from equity,10,-30,BrokerC,MKT,95,None,None,Normal monitoring,1,-29,-25,5,false,Monitor dispersion and breadth
P2381,Cautious,IRA,USD,2025-07-10,556172,59171,497001,1.0,36.8,31.6,14.5,17.1,MSFT:25.0%;IEF:25.0%;XLF:25.0%;QQQ:25.0%,US:74.5;EU:15.1;APAC:4.7;EM:4.3;Other:1.4,Value:+0.6;Growth:+0.5;Quality:-0.9;Size:-0.3;Momentum:+0.4;LowVol:+0.3,ESGOnly;MaxPos5%;NoMargin,10,30,4.7,trailing 8%,96,13.5,Volatile,28.7,5.4,3.5,159,34,62,64,false,NoAction,Within bands; monitor,-8,4,BrokerA,VWAP,99,None,None,Normal monitoring,-21,-7,74,5,false,Within IPS guidelines
P2382,Hands-off,IRA,USD,2024-11-07,891737,50682,841055,1.0,56.3,21.0,13.9,8.7,BRK.B:25.6%;AMZN:11.9%;AAPL:11.3%;VTI:25.6%;VNQ:25.6%,US:55.9;EU:19.4;APAC:13.4;EM:11.1;Other:0.3,Value:+0.4;Growth:-0.3;Quality:-0.1;Size:-0.5;Momentum:+0.8;LowVol:-0.9,ESGOnly,6,35,4.9,trailing 8%,150,18.6,Bull,13.6,4.07,3.3,116,105,95,39,false,Buy,Add to core equity +1%,-1,4,BrokerA,LMT,89,None,None,Normal monitoring,62,13,167,3,false,Tighten stops on momentum names
P2383,Opportunistic,Trust,USD,2025-10-09,495221,23728,471493,1.06,63.7,14.2,17.0,5.0,XLF:33.3%;IEF:33.3%;AMZN:33.3%,US:76.5;EU:11.5;APAC:7.8;EM:3.7;Other:0.6,Value:+0.4;Growth:0.0;Quality:-0.3;Size:-1.0;Momentum:+0.2;LowVol:-0.5,NoDerivatives,5,25,5.0,trailing 7%,218,34.4,Bull,17.5,3.69,2.2,103,112,100,60,true,Hedge,Buy index puts 1% notional,-4,-36,BrokerA,LMT,97,RegimeShift,TightenStops,Volatility spike and breadth deterioration,-43,-4,86,5,false,Increase defensive factor exposure
P2384,Systematic,401k,USD,2025-01-30,816600,52147,764453,1.0,60.9,30.7,0.0,8.4,XLF:33.3%;BRK.B:33.3%;AAPL:33.3%,US:63.6;EU:16.8;APAC:12.3;EM:6.8;Other:0.6,Value:+0.1;Growth:+0.1;Quality:-0.6;Size:+0.6;Momentum:-0.4;LowVol:+1.0,,8,35,5.6,trailing 8%,121,27.9,Volatile,27.1,3.73,2.1,154,-21,32,79,true,Hedge,Buy index puts 1% notional,22,-18,BrokerB,LMT,99,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-18,-52,10,4,false,Monitor dispersion and breadth
P2385,Hands-off,Roth,USD,2024-09-07,835708,36406,799302,1.0,65.6,18.5,6.1,9.8,MUB:24.8%;XLF:26.4%;IEF:22.5%;TLT:26.4%,US:60.2;EU:16.6;APAC:16.2;EM:3.9;Other:3.1,Value:-0.6;Growth:-0.2;Quality:-0.4;Size:-0.8;Momentum:+0.9;LowVol:+0.2,MaxPos7%,7,35,3.5,hard 10%,108,18.7,Bull,15.6,4.11,2.3,78,29,66,51,false,Rebalance,Shift +1% to bonds from equity,2,3,BrokerA,MKT,95,None,None,Normal monitoring,117,-40,203,3,false,Tighten stops on momentum names
P2386,Active,Trust,USD,2025-07-28,2117917,202338,1915579,1.0,59.4,28.5,4.3,7.8,VTI:33.3%;VOO:33.3%;BND:33.3%,US:68.4;EU:8.0;APAC:12.9;EM:7.4;Other:3.3,Value:+0.2;Growth:-0.6;Quality:+0.1;Size:+0.5;Momentum:-0.9;LowVol:-0.5,MaxPos5%,10,35,5.3,trailing 9%,227,25.2,Bull,13.7,3.87,2.7,115,59,72,38,false,Buy,Add to core equity +1%,-8,-19,BrokerA,MKT,90,None,None,Normal monitoring,34,0,120,3,false,Tighten stops on momentum names
P2387,Cautious,401k,USD,2025-05-07,583861,86011,497850,1.0,46.5,39.4,0.0,14.0,VOO:17.7%;QQQ:16.4%;XLF:16.8%;HYG:24.5%;BND:24.5%,US:69.5;EU:10.4;APAC:9.7;EM:5.9;Other:4.5,Value:+0.3;Growth:-0.7;Quality:-0.7;Size:-0.8;Momentum:+0.5;LowVol:-0.1,ESGOnly;MaxPos7%;NoDerivatives;NoMargin,6,25,5.2,hard 10%,119,19.4,Volatile,20.9,3.89,3.0,144,-20,54,42,false,Rebalance,Shift +1% to bonds from equity,-11,8,BrokerD,MKT,85,None,None,Normal monitoring,67,-46,159,4,false,Tighten stops on momentum names
P2388,Hands-off,Taxable,USD,2025-01-30,329508,14373,315135,1.0,70.3,20.1,2.9,6.6,VOO:22.7%;BRK.B:28.2%;AAPL:20.9%;AMZN:28.2%,US:62.0;EU:13.8;APAC:12.3;EM:10.9;Other:1.1,Value:+0.2;Growth:-0.6;Quality:+0.4;Size:+0.5;Momentum:-1.0;LowVol:-0.6,ESGOnly,6,35,4.8,hard 10%,125,13.5,Bear,29.8,4.42,1.6,176,-48,26,75,true,Reduce,"Cut high-beta by 2-3%, add cash",-1,-39,BrokerD,MKT,88,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-12,-50,-41,3,false,Monitor dispersion and breadth
P2389,Active,IRA,USD,2025-06-02,1775482,119482,1656000,1.18,60.6,28.9,5.0,5.4,GLD:18.9%;VOO:13.8%;TLT:19.8%;BRK.B:17.9%;VNQ:11.8%;VTI:17.8%,US:71.4;EU:7.4;APAC:12.0;EM:5.4;Other:3.8,Value:-0.5;Growth:+0.7;Quality:-0.6;Size:-1.0;Momentum:+0.5;LowVol:+0.7,MaxPos7%,10,30,5.2,trailing 9%,199,22.9,Bear,30.1,3.85,1.5,165,-60,32,73,true,Reduce,"Cut high-beta by 2-3%, add cash",-10,-12,BrokerD,LMT,87,RegimeShift,Hedge,Volatility spike and breadth deterioration,82,-7,45,4,false,Increase defensive factor exposure
P2390,Opportunistic,Taxable,USD,2025-03-08,1287034,100620,1186414,1.11,60.8,14.9,19.7,4.6,TLT:28.7%;VNQ:28.7%;QQQ:19.0%;HYG:23.6%,US:68.9;EU:14.6;APAC:10.9;EM:4.4;Other:1.1,Value:+0.4;Growth:-0.9;Quality:+0.9;Size:+0.7;Momentum:0.0;LowVol:-0.0,MaxPos6%,8,35,5.0,trailing 7%,269,27.3,Bull,13.2,4.97,2.5,89,43,71,33,false,Sell,Trim extended winner -1%,23,13,BrokerD,LMT,94,None,None,Normal monitoring,-55,-42,4,4,false,Monitor dispersion and breadth
P2391,Active,IRA,USD,2025-06-15,2054245,130113,1924132,1.0,57.6,23.9,8.8,9.7,AAPL:22.8%;HYG:12.7%;TLT:22.8%;BND:18.8%;TSLA:22.8%,US:75.5;EU:5.9;APAC:12.6;EM:5.5;Other:0.4,Value:-0.2;Growth:+0.5;Quality:-0.5;Size:+0.5;Momentum:+0.9;LowVol:-0.6,NoDerivatives,7,25,5.2,trailing 8%,130,19.1,Sideways,19.4,4.44,3.0,106,19,44,46,false,NoAction,Within bands; monitor,-9,-33,BrokerC,LMT,91,None,None,Normal monitoring,33,-18,87,4,false,Increase defensive factor exposure
P2392,Cautious,401k,USD,2025-11-25,467833,62643,405190,1.0,43.4,39.1,2.3,15.2,TLT:22.7%;IEF:19.0%;GLD:22.7%;VOO:22.7%;VNQ:13.0%,US:66.2;EU:17.3;APAC:6.1;EM:6.0;Other:4.4,Value:-0.2;Growth:+0.9;Quality:+0.6;Size:0.0;Momentum:+0.8;LowVol:+0.4,ESGOnly;MaxPos8%;NoMargin,10,25,5.0,trailing 8%,111,14.3,Bull,15.3,4.66,2.3,102,23,57,46,false,Rebalance,Shift +1% to bonds from equity,3,7,BrokerD,MKT,100,None,None,Normal monitoring,113,20,246,5,false,Tighten stops on momentum names
P2393,Opportunistic,401k,USD,2025-05-02,699160,44255,654905,1.0,76.0,16.7,0.0,7.3,VOO:37.8%;HYG:24.3%;AAPL:37.8%,US:61.4;EU:12.9;APAC:12.1;EM:13.3;Other:0.3,Value:+0.7;Growth:+0.1;Quality:+0.7;Size:0.0;Momentum:-0.1;LowVol:-0.6,MaxPos8%,7,35,6.8,trailing 9%,198,30.7,Volatile,21.0,3.51,4.3,155,77,83,65,false,NoAction,Within bands; monitor,22,11,BrokerB,LMT,98,None,None,Normal monitoring,20,-52,48,5,false,Within IPS guidelines
P2394,Active,Taxable,USD,2025-03-25,767312,90150,677162,1.12,60.7,26.8,7.3,5.1,TSLA:21.7%;MUB:20.1%;IEF:19.0%;BRK.B:17.3%;VOO:21.9%,US:72.8;EU:6.4;APAC:11.1;EM:5.8;Other:4.0,Value:+0.5;Growth:+0.9;Quality:-0.0;Size:-0.2;Momentum:-0.8;LowVol:+0.8,,10,25,5.7,hard 12%,225,19.3,Sideways,16.8,4.54,2.7,140,27,56,42,false,Hedge,Add TLT +1% as duration hedge,13,-20,BrokerB,VWAP,87,None,None,Normal monitoring,98,-24,62,3,false,Increase defensive factor exposure
P2395,Active,Trust,USD,2025-05-28,2455557,223732,2231825,1.11,54.7,23.2,13.0,9.2,AAPL:33.3%;BRK.B:33.3%;MSFT:33.3%,US:69.4;EU:10.7;APAC:10.1;EM:6.4;Other:3.5,Value:-1.0;Growth:-0.0;Quality:-0.3;Size:-0.0;Momentum:-0.7;LowVol:-0.2,,10,25,4.9,trailing 8%,211,27.0,Bull,16.1,4.18,2.2,102,61,89,46,false,Buy,Add to core equity +1%,8,-13,BrokerA,LMT,88,None,None,Normal monitoring,-54,-14,62,5,false,Increase defensive factor exposure
P2396,Opportunistic,IRA,USD,2025-09-10,1799514,88280,1711234,1.0,70.1,11.0,10.9,8.1,VOO:16.2%;AMZN:26.0%;VTI:28.9%;MSFT:28.9%,US:61.2;EU:20.2;APAC:7.0;EM:11.5;Other:0.1,Value:-0.4;Growth:+0.1;Quality:+0.7;Size:+0.5;Momentum:-0.5;LowVol:+1.0,,6,30,6.1,hard 12%,270,22.1,Bull,11.2,4.23,2.9,106,12,71,42,true,Reduce,"Cut high-beta by 2-3%, add cash",30,-1,BrokerD,LMT,86,RegimeShift,Reduce,Volatility spike and breadth deterioration,67,-24,131,2,false,Tighten stops on momentum names
P2397,Active,Roth,USD,2024-11-19,1932806,154310,1778496,1.09,63.7,28.9,0.0,7.5,VOO:13.0%;VTI:22.4%;MSFT:22.4%;MUB:19.9%;IEF:22.4%,US:64.4;EU:16.3;APAC:10.9;EM:5.0;Other:3.4,Value:+0.4;Growth:-0.5;Quality:-0.3;Size:+0.7;Momentum:-0.2;LowVol:+0.6,MaxPos5%,6,30,5.7,hard 12%,173,25.4,Bull,11.5,3.84,2.3,103,51,72,47,false,Rebalance,Shift +1% to bonds from equity,33,-13,BrokerB,MKT,89,None,None,Normal monitoring,40,7,167,5,false,Within IPS guidelines
P2398,Systematic,IRA,USD,2025-06-28,756011,56203,699808,1.0,65.9,22.9,5.0,6.1,BRK.B:33.3%;XLF:33.3%;MUB:33.3%,US:67.7;EU:13.5;APAC:10.9;EM:4.3;Other:3.7,Value:+0.8;Growth:-0.6;Quality:-0.2;Size:+0.1;Momentum:-0.0;LowVol:-0.7,,10,35,4.7,trailing 9%,189,26.3,Volatile,30.8,5.05,2.9,176,-54,31,73,true,Rebalance,Rebalance back to target bands,13,8,BrokerD,MKT,89,VAR>budget,Reduce,Risk above budget threshold,-37,-34,2,2,false,Tighten stops on momentum names
P2399,Cautious,IRA,USD,2025-04-20,595986,73273,522713,1.0,42.2,42.8,0.0,15.0,VTI:36.1%;VNQ:27.9%;MSFT:36.1%,US:72.4;EU:6.4;APAC:12.4;EM:7.1;Other:1.7,Value:+0.8;Growth:+0.8;Quality:-0.4;Size:-0.9;Momentum:+0.7;LowVol:-0.2,MaxPos6%;NoMargin,6,25,3.9,hard 10%,91,16.2,Sideways,19.5,3.91,3.1,107,-29,25,43,false,Rebalance,Shift +1% to bonds from equity,9,-15,BrokerB,MKT,86,None,None,Normal monitoring,88,-18,50,5,false,Tax-aware sells next window
P2400,Cautious,401k,USD,2025-05-01,622668,84899,537769,1.0,49.9,32.9,0.0,17.2,GLD:13.8%;IEF:15.2%;VNQ:25.7%;MSFT:25.7%;TSLA:19.7%,US:61.7;EU:12.7;APAC:16.2;EM:7.4;Other:2.0,Value:+0.3;Growth:-0.2;Quality:+0.7;Size:+0.4;Momentum:-1.0;LowVol:0.0,NoMargin,10,35,5.6,trailing 8%,132,12.2,Bull,16.0,4.51,2.8,95,73,79,32,false,Buy,Add to core equity +1%,-14,-4,BrokerC,LMT,91,None,None,Normal monitoring,-25,10,-27,5,false,Tighten stops on momentum names
P2401,Active,Trust,USD,2025-04-29,1109925,67290,1042635,1.0,56.0,23.8,14.9,5.3,XLF:11.0%;TLT:12.6%;BND:22.5%;VTI:22.5%;AMZN:20.2%;BRK.B:11.3%,US:66.1;EU:15.5;APAC:10.4;EM:5.0;Other:3.0,Value:-0.4;Growth:-0.7;Quality:+0.8;Size:+0.1;Momentum:-0.1;LowVol:-0.4,,10,25,5.7,trailing 9%,157,21.3,Bull,12.4,4.66,3.0,119,93,86,28,false,Sell,Trim extended winner -1%,24,-24,BrokerC,VWAP,89,None,None,Normal monitoring,78,-38,40,3,false,Increase defensive factor exposure
P2402,Cautious,Trust,USD,2025-09-28,872037,114669,757368,1.0,48.7,38.8,0.0,12.5,VTI:33.3%;TSLA:33.3%;VOO:33.3%,US:68.8;EU:9.1;APAC:8.5;EM:13.6;Other:0.1,Value:-1.0;Growth:-0.1;Quality:+0.4;Size:+0.8;Momentum:+0.1;LowVol:+0.7,ESGOnly;MaxPos7%;NoDerivatives;NoMargin,10,25,5.6,trailing 10%,138,13.4,Bear,26.1,3.9,1.2,170,15,58,53,false,Rebalance,Shift +1% to bonds from equity,21,5,BrokerC,MKT,95,None,None,Normal monitoring,46,10,54,5,false,Increase defensive factor exposure
P2403,Hands-off,Taxable,USD,2025-11-20,321832,14165,307667,1.0,55.7,28.6,8.1,7.6,VNQ:20.9%;VTI:21.4%;MSFT:8.7%;GLD:13.4%;TLT:21.4%;XLF:14.2%,US:62.0;EU:20.7;APAC:6.2;EM:8.6;Other:2.4,Value:+1.0;Growth:+0.8;Quality:-0.0;Size:-0.7;Momentum:+0.2;LowVol:+0.4,ESGOnly;MaxPos8%,8,25,4.7,trailing 8%,160,14.6,Volatile,23.6,4.4,3.5,131,8,58,58,false,Buy,Add to core equity +1%,-6,1,BrokerA,LMT,94,None,None,Normal monitoring,3,-58,43,3,false,Tax-aware sells next window
P2404,Cautious,Trust,USD,2024-07-08,394713,36436,358277,1.0,42.6,37.6,4.6,15.2,AAPL:33.3%;TLT:33.3%;VOO:33.3%,US:66.3;EU:13.3;APAC:11.8;EM:5.0;Other:3.6,Value:-1.0;Growth:-0.7;Quality:+0.4;Size:+0.5;Momentum:+0.6;LowVol:+0.7,MaxPos5%;NoMargin,5,35,5.3,trailing 10%,109,13.9,Volatile,21.5,3.51,2.8,142,36,56,47,false,Rebalance,Shift +1% to bonds from equity,28,6,BrokerC,VWAP,100,None,None,Normal monitoring,119,0,90,5,false,Increase defensive factor exposure
P2405,Hands-off,Roth,USD,2025-01-13,819270,73747,745523,1.0,67.7,23.5,0.0,8.8,VNQ:12.1%;XLF:11.0%;HYG:21.1%;VOO:21.1%;GLD:20.6%;MUB:14.0%,US:77.5;EU:7.7;APAC:8.0;EM:6.3;Other:0.5,Value:+0.5;Growth:-0.5;Quality:+0.3;Size:+0.8;Momentum:+0.6;LowVol:-0.1,ESGOnly,10,25,5.4,trailing 8%,150,12.1,Volatile,31.3,4.7,3.8,134,9,66,76,true,Hedge,Buy index puts 1% notional,3,7,BrokerB,LMT,93,VAR>budget,Pause,Risk above budget threshold,50,7,178,2,false,Tighten stops on momentum names
P2406,Active,IRA,USD,2024-11-15,1974061,188776,1785285,1.0,61.2,29.3,0.0,9.6,AMZN:10.1%;BND:20.8%;VNQ:21.1%;AAPL:16.4%;MSFT:15.9%;VTI:15.7%,US:65.8;EU:8.4;APAC:16.4;EM:7.2;Other:2.2,Value:-0.5;Growth:-0.3;Quality:+0.4;Size:-0.1;Momentum:+1.0;LowVol:-0.9,MaxPos6%,10,30,4.1,trailing 8%,149,20.4,Volatile,31.9,3.53,2.9,179,-37,31,87,true,Hedge,Buy index puts 1% notional,8,-7,BrokerD,LMT,90,RegimeShift,Hedge,Volatility spike and breadth deterioration,66,2,50,5,false,Monitor dispersion and breadth
P2407,Hands-off,Taxable,USD,2024-08-03,664124,38331,625793,1.0,55.2,19.3,15.6,9.9,VTI:22.3%;GLD:17.7%;VNQ:12.6%;HYG:7.2%;BRK.B:17.8%;AMZN:22.3%,US:68.7;EU:13.0;APAC:9.4;EM:8.4;Other:0.4,Value:-0.9;Growth:-1.0;Quality:+0.4;Size:+0.7;Momentum:+0.4;LowVol:+0.6,ESGOnly;NoDerivatives,6,25,5.4,hard 10%,143,15.6,Bear,31.4,3.08,2.4,168,-73,9,85,true,Hedge,Buy index puts 1% notional,10,-39,BrokerB,LMT,89,Drift>tolerance,Reduce,Allocation drift beyond policy bands,87,12,92,5,false,Increase defensive factor exposure
P2408,Cautious,401k,USD,2025-12-25,810128,110073,700055,1.0,46.3,30.1,10.4,13.2,AAPL:33.3%;BRK.B:33.3%;VNQ:33.3%,US:66.8;EU:12.8;APAC:8.9;EM:9.0;Other:2.4,Value:+0.5;Growth:+0.5;Quality:+0.4;Size:+0.8;Momentum:-0.3;LowVol:-0.1,MaxPos7%;NoMargin,10,35,4.9,trailing 8%,90,16.7,Bull,12.3,3.61,2.5,91,27,59,34,false,Buy,Add to core equity +1%,-2,14,BrokerD,MKT,93,None,None,Normal monitoring,24,-18,43,5,false,Increase defensive factor exposure
P2409,Cautious,IRA,USD,2025-11-24,308073,43459,264614,1.0,44.4,42.0,1.3,12.4,XLF:25.0%;MUB:25.0%;QQQ:25.0%;BND:25.0%,US:63.7;EU:20.1;APAC:9.0;EM:4.0;Other:3.2,Value:+0.3;Growth:-0.4;Quality:-0.3;Size:+0.2;Momentum:+1.0;LowVol:-0.2,ESGOnly;NoMargin,6,30,3.5,hard 10%,168,18.3,Volatile,30.8,4.89,2.6,170,79,98,76,true,Hedge,Buy index puts 1% notional,11,-32,BrokerC,LMT,97,Drift>tolerance,Hedge,Allocation drift beyond policy bands,35,-12,120,5,false,Monitor dispersion and breadth
P2410,Opportunistic,IRA,USD,2025-07-21,1612840,90602,1522238,1.0,71.0,16.9,5.0,7.2,VTI:22.5%;TLT:25.8%;BND:25.8%;AMZN:25.8%,US:73.1;EU:12.4;APAC:4.9;EM:8.1;Other:1.5,Value:-0.4;Growth:+0.7;Quality:-0.4;Size:-0.4;Momentum:-0.2;LowVol:+0.4,NoDerivatives,10,30,5.2,trailing 7%,200,20.9,Bull,15.0,4.6,2.4,86,9,59,42,false,Rebalance,Shift +1% to bonds from equity,-7,-12,BrokerC,MKT,93,None,None,Normal monitoring,50,-47,177,3,false,Increase defensive factor exposure
P2411,Systematic,IRA,USD,2025-03-19,1844533,121904,1722629,1.0,57.7,26.7,8.7,6.8,VOO:25.0%;GLD:25.0%;TSLA:25.0%;AAPL:25.0%,US:66.6;EU:12.5;APAC:9.0;EM:8.1;Other:3.8,Value:0.0;Growth:+0.6;Quality:-0.6;Size:+0.5;Momentum:-0.6;LowVol:+0.8,MaxPos7%,5,30,4.4,trailing 8%,163,18.3,Bear,30.4,3.64,1.8,174,-11,55,78,true,Hedge,Buy index puts 1% notional,4,-29,BrokerB,MKT,94,Drift>tolerance,Hedge,Allocation drift beyond policy bands,76,-29,165,4,false,Tighten stops on momentum names
P2412,Systematic,Trust,USD,2025-09-11,635136,37925,597211,1.0,68.5,23.8,1.8,5.8,TLT:18.8%;QQQ:20.5%;IEF:24.1%;AAPL:24.1%;HYG:12.5%,US:71.9;EU:9.9;APAC:6.8;EM:9.1;Other:2.4,Value:-0.0;Growth:-0.8;Quality:+1.0;Size:+0.7;Momentum:-0.8;LowVol:+0.6,MaxPos8%,5,25,4.1,hard 12%,155,20.9,Bull,15.6,4.95,2.7,71,58,92,46,false,Hedge,Add TLT +1% as duration hedge,16,-33,BrokerB,MKT,91,None,None,Normal monitoring,-28,-21,0,5,false,Tighten stops on momentum names
P2413,Systematic,Trust,USD,2025-03-30,1722184,131285,1590899,1.0,56.7,32.6,2.3,8.4,AMZN:25.9%;IEF:22.3%;TLT:25.9%;MSFT:25.9%,US:76.8;EU:8.2;APAC:5.7;EM:8.6;Other:0.8,Value:+1.0;Growth:-0.7;Quality:+0.4;Size:-0.0;Momentum:+0.3;LowVol:+0.2,MaxPos7%;NoDerivatives,10,25,6.0,trailing 9%,159,18.4,Bull,17.2,4.19,2.4,76,14,48,52,false,Buy,Add to core equity +1%,33,-40,BrokerA,LMT,89,None,None,Normal monitoring,-55,-41,-32,3,false,Monitor dispersion and breadth
P2414,Cautious,Trust,USD,2024-09-22,655082,78920,576162,1.0,43.3,36.9,6.5,13.3,BND:35.1%;TLT:35.1%;BRK.B:29.9%,US:57.6;EU:16.7;APAC:14.5;EM:9.5;Other:1.6,Value:-0.2;Growth:+0.3;Quality:+0.6;Size:+0.5;Momentum:+0.3;LowVol:+0.2,NoDerivatives;NoMargin,5,30,3.7,trailing 8%,155,13.9,Sideways,19.5,4.22,2.8,111,36,79,48,false,Sell,Trim extended winner -1%,31,-7,BrokerD,MKT,89,None,None,Normal monitoring,104,-13,182,4,false,Increase defensive factor exposure
P2415,Active,IRA,USD,2024-12-15,517223,56061,461162,1.2,58.0,25.5,10.2,6.3,VTI:33.3%;AMZN:33.3%;VOO:33.3%,US:64.8;EU:11.2;APAC:13.9;EM:7.0;Other:3.1,Value:-0.0;Growth:+0.2;Quality:0.0;Size:+0.8;Momentum:+0.5;LowVol:+0.9,MaxPos7%,10,30,5.8,trailing 8%,203,18.4,Volatile,26.6,4.09,2.9,163,-49,32,78,true,Hedge,Buy index puts 1% notional,-9,-19,BrokerB,MKT,93,RegimeShift,Hedge,Volatility spike and breadth deterioration,109,1,212,3,false,Monitor dispersion and breadth
P2416,Cautious,IRA,USD,2025-03-14,235366,28925,206441,1.0,35.7,36.5,12.0,15.8,TLT:33.3%;HYG:33.3%;IEF:33.3%,US:69.1;EU:13.9;APAC:9.5;EM:5.4;Other:2.1,Value:+0.2;Growth:-0.9;Quality:-0.4;Size:+0.4;Momentum:+0.5;LowVol:+0.9,NoMargin,8,35,3.4,trailing 8%,108,18.6,Bull,15.9,4.54,2.9,92,21,51,42,false,Rebalance,Shift +1% to bonds from equity,35,-2,BrokerC,VWAP,99,None,None,Normal monitoring,-53,-21,-32,3,false,Within IPS guidelines
P2417,Active,Roth,USD,2025-08-28,2257668,156464,2101204,1.18,63.4,23.3,8.0,5.3,MUB:23.6%;VTI:29.8%;AAPL:29.8%;VNQ:16.8%,US:65.1;EU:23.2;APAC:7.2;EM:4.4;Other:0.2,Value:-0.9;Growth:-0.2;Quality:-0.7;Size:0.0;Momentum:+0.2;LowVol:-0.2,,6,35,5.5,trailing 9%,157,17.4,Volatile,23.0,5.27,2.2,179,50,71,56,false,Sell,Trim extended winner -1%,-4,8,BrokerA,LMT,89,None,None,Normal monitoring,-31,-32,5,3,false,Monitor dispersion and breadth
P2418,Active,Trust,USD,2025-06-25,2376559,190711,2185848,1.0,58.3,27.1,8.3,6.3,VTI:19.6%;XLF:23.7%;QQQ:24.2%;IEF:8.3%;BND:24.2%,US:60.9;EU:14.6;APAC:11.0;EM:9.8;Other:3.8,Value:-0.5;Growth:+1.0;Quality:+1.0;Size:+0.1;Momentum:-0.7;LowVol:-0.7,MaxPos8%,7,30,5.0,trailing 8%,195,21.2,Volatile,21.0,4.41,3.3,177,-2,35,57,false,Buy,Add to core equity +1%,29,10,BrokerD,LMT,91,None,None,Normal monitoring,87,1,71,3,false,Monitor dispersion and breadth
P2419,Hands-off,Trust,USD,2024-08-05,855508,51250,804258,1.0,61.3,20.4,10.3,8.0,IEF:13.4%;XLF:12.6%;VOO:22.7%;GLD:25.7%;QQQ:25.7%,US:62.6;EU:15.9;APAC:10.2;EM:7.0;Other:4.3,Value:+0.7;Growth:+0.7;Quality:-0.1;Size:+0.5;Momentum:+0.4;LowVol:-0.1,ESGOnly,10,35,5.5,trailing 10%,146,19.2,Bear,24.3,3.24,1.4,145,-27,43,56,false,Rebalance,Shift +1% to bonds from equity,25,9,BrokerB,LMT,94,None,None,Normal monitoring,101,-11,177,4,false,Within IPS guidelines
P2420,Hands-off,401k,USD,2025-04-02,550693,30550,520143,1.0,66.8,24.6,0.0,8.7,VNQ:33.3%;BRK.B:33.3%;GLD:33.3%,US:63.8;EU:13.2;APAC:10.8;EM:9.9;Other:2.3,Value:-0.9;Growth:-0.1;Quality:+0.1;Size:+0.5;Momentum:+0.8;LowVol:+0.9,,8,25,4.1,trailing 8%,147,12.7,Volatile,29.9,4.93,2.9,135,-59,29,72,true,Reduce,"Cut high-beta by 2-3%, add cash",30,-1,BrokerD,LMT,94,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-48,-42,0,4,false,Within IPS guidelines
P2421,Hands-off,IRA,USD,2025-11-27,401133,35363,365770,1.0,68.3,16.9,8.4,6.4,TSLA:33.3%;QQQ:33.3%;GLD:33.3%,US:69.3;EU:9.6;APAC:13.0;EM:3.8;Other:4.2,Value:0.0;Growth:-0.2;Quality:-0.1;Size:+0.4;Momentum:-0.8;LowVol:-0.7,MaxPos7%;NoDerivatives,5,35,3.6,trailing 8%,170,18.0,Bear,25.0,3.1,2.5,143,-76,13,73,true,Rebalance,Rebalance back to target bands,-6,0,BrokerA,LMT,97,VAR>budget,TightenStops,Risk above budget threshold,42,-27,10,4,false,Increase defensive factor exposure
P2422,Cautious,IRA,USD,2025-08-15,746273,63199,683074,1.0,47.8,38.4,0.0,13.8,VTI:33.3%;IEF:33.3%;TSLA:33.3%,US:63.3;EU:14.9;APAC:10.1;EM:8.6;Other:3.2,Value:-0.8;Growth:-1.0;Quality:+0.2;Size:-0.9;Momentum:+0.8;LowVol:+0.4,NoMargin,10,35,4.2,trailing 8%,91,15.6,Sideways,15.2,3.59,2.0,130,14,60,35,false,Hedge,Add TLT +1% as duration hedge,9,-14,BrokerB,MKT,86,None,None,Normal monitoring,10,17,13,5,false,Tighten stops on momentum names
P2423,Cautious,401k,USD,2025-04-08,763269,63318,699951,1.0,45.5,32.0,10.4,12.1,VOO:10.1%;HYG:19.9%;GLD:21.2%;IEF:21.2%;VTI:8.0%;MSFT:19.7%,US:63.8;EU:14.3;APAC:11.1;EM:10.0;Other:0.8,Value:+0.3;Growth:+0.8;Quality:-0.2;Size:-0.9;Momentum:-0.5;LowVol:-0.3,NoDerivatives;NoMargin,8,35,5.9,trailing 8%,158,17.3,Bull,13.0,4.17,3.1,89,88,84,39,false,Sell,Trim extended winner -1%,2,3,BrokerC,MKT,89,None,None,Normal monitoring,81,6,85,3,false,Tax-aware sells next window
P2424,Active,IRA,USD,2025-03-29,2296804,273401,2023403,1.0,57.6,22.3,13.3,6.8,TSLA:17.6%;MUB:27.5%;MSFT:27.5%;VOO:27.5%,US:60.7;EU:18.4;APAC:13.1;EM:7.6;Other:0.2,Value:+0.7;Growth:+0.7;Quality:+0.7;Size:+0.3;Momentum:+0.5;LowVol:+0.3,NoDerivatives,10,25,4.5,trailing 8%,200,17.8,Bull,17.7,4.44,2.1,118,119,94,53,false,Buy,Add to core equity +1%,10,-11,BrokerB,MKT,87,None,None,Normal monitoring,50,-54,117,4,false,Tighten stops on momentum names
P2425,Systematic,IRA,USD,2025-11-22,721309,59979,661330,1.0,61.2,26.3,5.0,7.6,VTI:34.4%;AAPL:34.4%;BND:31.2%,US:69.2;EU:5.8;APAC:13.3;EM:7.7;Other:4.0,Value:-0.4;Growth:+1.0;Quality:-0.7;Size:-0.0;Momentum:+0.7;LowVol:+0.5,MaxPos5%;NoDerivatives,5,30,5.8,trailing 8%,204,25.4,Sideways,17.0,4.72,3.3,134,-22,30,40,false,Hedge,Add TLT +1% as duration hedge,-13,-25,BrokerB,MKT,95,None,None,Normal monitoring,-12,-36,-23,3,false,Monitor dispersion and breadth
P2426,Opportunistic,Taxable,USD,2024-11-28,424719,14182,410537,1.17,75.9,13.5,3.9,6.6,BRK.B:28.5%;HYG:16.9%;MUB:26.0%;AMZN:28.5%,US:69.5;EU:5.3;APAC:10.5;EM:11.8;Other:2.9,Value:+0.4;Growth:+0.8;Quality:+0.7;Size:-0.5;Momentum:0.0;LowVol:+0.1,MaxPos5%,10,35,5.3,trailing 9%,273,24.9,Bull,12.3,3.81,2.7,89,24,57,42,false,Buy,Add to core equity +1%,29,-32,BrokerB,MKT,91,None,None,Normal monitoring,-53,-56,57,4,false,Increase defensive factor exposure
P2427,Systematic,Trust,USD,2024-11-07,859281,71022,788259,1.0,60.0,25.7,5.9,8.4,XLF:16.7%;MSFT:22.0%;VNQ:30.6%;MUB:30.6%,US:81.9;EU:5.9;APAC:6.9;EM:3.7;Other:1.6,Value:+0.4;Growth:-0.2;Quality:-0.1;Size:-0.1;Momentum:+0.3;LowVol:-0.4,NoDerivatives,10,25,5.7,trailing 8%,161,20.3,Volatile,27.5,4.09,4.2,176,74,83,74,true,Reduce,"Cut high-beta by 2-3%, add cash",13,-37,BrokerD,LMT,94,Drift>tolerance,Reduce,Allocation drift beyond policy bands,26,-26,65,5,false,Increase defensive factor exposure
P2428,Active,Taxable,USD,2025-08-08,2493296,267397,2225899,1.0,56.6,29.5,8.6,5.3,GLD:33.3%;VNQ:33.3%;HYG:33.3%,US:70.4;EU:16.6;APAC:6.0;EM:4.8;Other:2.2,Value:+0.6;Growth:-0.8;Quality:+0.3;Size:-0.7;Momentum:-0.6;LowVol:-0.5,,8,25,4.4,trailing 9%,144,26.0,Volatile,30.8,5.23,3.6,172,18,67,71,true,Rebalance,Rebalance back to target bands,3,6,BrokerD,VWAP,98,VAR>budget,Hedge,Risk above budget threshold,71,-4,152,5,true,Tighten stops on momentum names
P2429,Systematic,Roth,USD,2025-08-06,1370402,95631,1274771,1.0,58.6,25.9,6.1,9.4,VTI:21.0%;MSFT:21.0%;HYG:20.2%;VOO:7.5%;TLT:9.3%;QQQ:21.0%,US:72.2;EU:6.3;APAC:12.7;EM:7.7;Other:1.1,Value:-0.5;Growth:+0.7;Quality:-0.3;Size:+0.2;Momentum:+0.3;LowVol:+0.8,MaxPos8%,10,30,4.0,trailing 8%,160,23.1,Bull,13.9,3.67,3.2,74,88,80,45,true,Rebalance,Rebalance back to target bands,25,13,BrokerD,MKT,96,Drift>tolerance,Hedge,Allocation drift beyond policy bands,109,-10,223,2,true,Monitor dispersion and breadth
P2430,Hands-off,IRA,USD,2024-07-23,376507,15724,360783,1.0,70.4,21.8,0.0,7.8,VTI:15.9%;VNQ:28.0%;AMZN:28.0%;QQQ:28.0%,US:74.6;EU:11.7;APAC:9.0;EM:4.3;Other:0.4,Value:-0.3;Growth:+0.9;Quality:-1.0;Size:-0.7;Momentum:-0.7;LowVol:-0.9,ESGOnly;NoDerivatives,6,35,5.6,trailing 8%,158,18.6,Bear,29.1,4.3,1.8,160,-82,17,76,true,Hedge,Buy index puts 1% notional,26,-21,BrokerD,LMT,94,VAR>budget,Reduce,Risk above budget threshold,-55,-51,-59,4,false,Increase defensive factor exposure
P2431,Systematic,401k,USD,2025-12-07,1208871,117931,1090940,1.0,56.6,32.9,4.9,5.6,QQQ:27.2%;BND:26.1%;XLF:27.2%;GLD:19.4%,US:58.6;EU:17.9;APAC:11.0;EM:8.4;Other:4.1,Value:-0.4;Growth:-0.5;Quality:+0.4;Size:-0.9;Momentum:-0.9;LowVol:-0.8,,5,35,5.9,hard 12%,195,20.6,Bull,11.8,3.85,3.2,85,85,100,42,false,Buy,Add to core equity +1%,11,-29,BrokerD,MKT,100,None,None,Normal monitoring,35,-11,52,4,false,Tax-aware sells next window
P2432,Systematic,401k,USD,2024-07-08,1636904,100706,1536198,1.0,65.4,27.6,0.0,7.0,QQQ:23.1%;BND:23.1%;TLT:21.2%;VOO:23.1%;TSLA:9.4%,US:69.3;EU:17.6;APAC:8.6;EM:4.4;Other:0.2,Value:+0.7;Growth:+0.3;Quality:-0.2;Size:+0.6;Momentum:-0.2;LowVol:+0.1,MaxPos5%,10,30,4.8,trailing 8%,163,24.4,Bear,25.0,3.34,1.2,169,-71,28,75,true,Rebalance,Rebalance back to target bands,-6,-17,BrokerD,LMT,95,RegimeShift,Hedge,Volatility spike and breadth deterioration,104,-7,176,4,false,Increase defensive factor exposure
P2433,Systematic,IRA,USD,2024-07-27,1260590,64634,1195956,1.0,58.3,32.3,3.9,5.5,BND:19.8%;XLF:11.1%;AMZN:24.4%;TLT:20.2%;BRK.B:24.4%,US:67.5;EU:16.1;APAC:9.6;EM:5.5;Other:1.3,Value:-0.5;Growth:-0.8;Quality:+0.8;Size:+0.4;Momentum:+0.5;LowVol:-1.0,NoDerivatives,6,35,5.1,trailing 9%,223,24.6,Volatile,26.1,3.56,3.8,114,-52,22,63,false,Rebalance,Shift +1% to bonds from equity,12,-19,BrokerA,MKT,96,None,None,Normal monitoring,-59,13,-13,5,false,Within IPS guidelines
P2434,Opportunistic,Taxable,USD,2025-02-10,668002,42387,625615,1.06,68.0,17.4,10.4,4.2,VNQ:23.0%;BRK.B:12.2%;BND:9.6%;MUB:9.1%;TLT:23.0%;QQQ:23.0%,US:66.2;EU:18.0;APAC:8.0;EM:5.9;Other:1.8,Value:-0.8;Growth:+0.9;Quality:-0.7;Size:-0.6;Momentum:-0.4;LowVol:-0.6,,6,25,6.2,hard 12%,245,26.0,Bear,29.9,3.59,1.1,154,-31,26,83,true,Reduce,"Cut high-beta by 2-3%, add cash",25,-27,BrokerD,LMT,91,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,80,-53,78,4,false,Tighten stops on momentum names
P2435,Cautious,Taxable,USD,2024-10-10,284304,23290,261014,1.0,43.8,32.1,9.2,14.9,XLF:15.6%;HYG:18.7%;QQQ:16.1%;IEF:24.8%;BND:24.8%,US:55.6;EU:16.7;APAC:14.1;EM:11.1;Other:2.5,Value:+0.4;Growth:+0.3;Quality:-0.3;Size:+0.3;Momentum:-0.7;LowVol:+0.8,ESGOnly;NoDerivatives;NoMargin,8,30,3.8,trailing 10%,148,19.1,Bull,17.4,4.21,2.7,114,80,100,37,false,Rebalance,Shift +1% to bonds from equity,3,-18,BrokerB,LMT,91,None,None,Normal monitoring,86,-46,170,3,false,Increase defensive factor exposure
P2436,Cautious,401k,USD,2025-01-19,340461,53949,286512,1.0,37.7,41.5,8.4,12.4,IEF:33.3%;MSFT:33.3%;QQQ:33.3%,US:72.5;EU:10.8;APAC:7.6;EM:4.1;Other:4.9,Value:-0.3;Growth:+0.3;Quality:-0.5;Size:-0.6;Momentum:-0.1;LowVol:-0.6,NoMargin,5,35,4.5,trailing 10%,169,13.1,Volatile,27.3,3.51,3.3,120,32,62,50,false,Sell,Trim extended winner -1%,16,14,BrokerB,MKT,89,None,None,Normal monitoring,-14,3,29,5,false,Increase defensive factor exposure
P2437,Cautious,Trust,USD,2024-08-03,225500,19414,206086,1.0,49.7,37.1,0.0,13.2,XLF:33.3%;HYG:33.3%;VTI:33.3%,US:73.9;EU:6.7;APAC:12.1;EM:5.0;Other:2.3,Value:-1.0;Growth:-0.6;Quality:+0.9;Size:+0.9;Momentum:-1.0;LowVol:+0.5,ESGOnly;NoMargin,5,30,3.9,trailing 8%,155,17.5,Bull,12.2,3.81,2.3,70,27,66,28,false,Sell,Trim extended winner -1%,33,-8,BrokerA,LMT,85,None,None,Normal monitoring,119,-38,211,3,false,Monitor dispersion and breadth
P2438,Hands-off,Roth,USD,2024-12-17,182915,9346,173569,1.0,57.5,23.1,11.4,8.0,IEF:26.6%;VOO:23.5%;BND:26.6%;HYG:23.2%,US:57.9;EU:20.7;APAC:14.5;EM:4.9;Other:2.0,Value:-0.4;Growth:+0.1;Quality:-0.0;Size:-0.7;Momentum:+0.7;LowVol:-0.4,MaxPos7%;NoDerivatives,8,35,4.6,trailing 10%,133,12.5,Sideways,17.9,4.11,2.6,134,34,62,50,false,NoAction,Within bands; monitor,-11,-26,BrokerD,MKT,0,None,None,Normal monitoring,36,-18,95,4,false,Tax-aware sells next window
P2439,Opportunistic,401k,USD,2025-05-08,829321,34614,794707,1.19,70.6,19.4,4.6,5.3,IEF:23.4%;VTI:23.4%;VOO:18.4%;QQQ:14.6%;HYG:20.2%,US:55.3;EU:18.7;APAC:13.7;EM:9.6;Other:2.7,Value:+1.0;Growth:+0.8;Quality:-0.6;Size:+0.7;Momentum:-1.0;LowVol:-0.2,MaxPos5%,5,30,4.9,trailing 7%,166,32.4,Volatile,24.9,3.85,3.8,165,62,86,79,true,Hedge,Buy index puts 1% notional,7,14,BrokerB,MKT,96,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-29,-40,28,4,false,Tax-aware sells next window
P2440,Hands-off,Taxable,USD,2025-09-04,236287,18940,217347,1.0,56.4,26.3,7.7,9.5,XLF:27.8%;BRK.B:27.8%;VNQ:27.6%;QQQ:16.8%,US:70.8;EU:8.1;APAC:11.3;EM:5.6;Other:4.2,Value:-0.7;Growth:-0.8;Quality:+0.1;Size:-0.4;Momentum:+0.1;LowVol:-0.5,ESGOnly,8,25,4.5,trailing 8%,158,19.1,Bear,22.6,4.15,2.9,167,-112,5,51,false,Sell,Trim extended winner -1%,32,-18,BrokerC,MKT,89,None,None,Normal monitoring,15,-48,75,5,false,Tax-aware sells next window
P2441,Hands-off,Taxable,USD,2025-06-08,647813,56812,591001,1.0,65.1,25.9,0.0,9.0,QQQ:19.4%;BND:23.1%;AMZN:23.1%;TLT:11.4%;VOO:23.1%,US:61.9;EU:16.8;APAC:15.2;EM:3.7;Other:2.4,Value:-0.3;Growth:-0.6;Quality:+0.8;Size:+0.2;Momentum:+1.0;LowVol:-0.6,MaxPos6%,8,30,5.5,trailing 8%,108,16.2,Sideways,20.8,4.06,3.1,97,-3,44,55,false,Sell,Trim extended winner -1%,2,-3,BrokerD,LMT,91,None,None,Normal monitoring,87,-59,58,3,false,Within IPS guidelines
P2442,Cautious,Taxable,USD,2025-03-28,400644,57750,342894,1.0,42.4,41.8,2.5,13.4,HYG:24.5%;BRK.B:30.5%;IEF:14.4%;VNQ:30.5%,US:61.9;EU:19.2;APAC:6.1;EM:10.0;Other:2.7,Value:-0.9;Growth:+0.5;Quality:+0.6;Size:-0.6;Momentum:-0.1;LowVol:-0.3,ESGOnly;NoMargin,10,25,4.5,trailing 8%,112,13.6,Bull,17.2,4.68,3.2,118,1,51,49,false,Buy,Add to core equity +1%,34,15,BrokerB,MKT,86,None,None,Normal monitoring,-44,-29,12,5,false,Tighten stops on momentum names
P2443,Hands-off,IRA,USD,2025-01-06,889173,39548,849625,1.0,55.0,17.6,19.5,7.9,VOO:16.9%;IEF:18.4%;VTI:17.2%;GLD:12.7%;BND:14.7%;XLF:20.1%,US:64.3;EU:16.6;APAC:7.8;EM:6.8;Other:4.6,Value:0.0;Growth:-0.0;Quality:+0.7;Size:+0.3;Momentum:+0.6;LowVol:+0.7,ESGOnly,6,35,4.1,hard 10%,144,19.5,Bull,14.7,4.03,3.0,90,85,88,50,false,Buy,Add to core equity +1%,-2,-21,BrokerA,LMT,96,None,None,Normal monitoring,117,-7,209,5,false,Increase defensive factor exposure
P2444,Active,Trust,USD,2024-08-16,976923,104667,872256,1.22,64.0,24.6,6.3,5.1,GLD:35.4%;VTI:35.4%;TLT:29.1%,US:58.6;EU:15.8;APAC:12.1;EM:9.6;Other:3.8,Value:+0.6;Growth:-0.3;Quality:-0.2;Size:+0.5;Momentum:+0.2;LowVol:-0.1,MaxPos7%,6,35,4.3,hard 12%,213,21.5,Bull,16.0,4.44,2.6,98,72,86,40,true,Hedge,Buy index puts 1% notional,14,14,BrokerD,LMT,90,Drift>tolerance,Reduce,Allocation drift beyond policy bands,54,-42,76,3,false,Within IPS guidelines
P2445,Active,Trust,USD,2025-12-05,503323,42518,460805,1.0,53.7,25.1,14.6,6.6,VOO:22.6%;GLD:22.6%;BND:14.5%;HYG:22.6%;TSLA:17.7%,US:66.3;EU:17.3;APAC:7.0;EM:7.2;Other:2.1,Value:-0.5;Growth:+0.5;Quality:+0.5;Size:+0.8;Momentum:+0.8;LowVol:+0.7,NoDerivatives,6,25,5.5,trailing 9%,147,23.6,Volatile,23.6,4.89,3.7,132,-10,60,65,false,Sell,Trim extended winner -1%,-3,-18,BrokerB,MKT,93,None,None,Normal monitoring,31,-23,73,3,false,Monitor dispersion and breadth
P2446,Cautious,Trust,USD,2024-08-07,261166,40459,220707,1.0,40.6,33.0,8.5,17.9,QQQ:17.6%;BND:14.7%;AMZN:15.2%;GLD:19.9%;MUB:14.3%;XLF:18.4%,US:72.4;EU:12.5;APAC:9.7;EM:4.5;Other:0.8,Value:-0.6;Growth:-0.5;Quality:-0.5;Size:+0.9;Momentum:+0.1;LowVol:-0.7,ESGOnly;MaxPos5%;NoMargin,10,30,6.0,hard 10%,155,13.6,Sideways,15.2,3.91,2.2,134,21,56,42,false,Sell,Trim extended winner -1%,-1,-32,BrokerB,LMT,89,None,None,Normal monitoring,31,-15,137,4,false,Tighten stops on momentum names
P2447,Systematic,401k,USD,2025-01-13,874473,73839,800634,1.0,59.2,31.3,1.3,8.2,BRK.B:28.3%;BND:15.0%;VTI:28.3%;MSFT:28.3%,US:69.0;EU:10.8;APAC:12.7;EM:3.4;Other:4.1,Value:-0.3;Growth:-0.9;Quality:-0.2;Size:+0.3;Momentum:+1.0;LowVol:-0.5,,5,25,6.0,trailing 8%,206,26.9,Bull,11.0,4.1,2.0,96,105,100,36,false,NoAction,Within bands; monitor,0,9,BrokerB,MKT,0,None,None,Normal monitoring,108,2,179,5,false,Monitor dispersion and breadth
P2448,Cautious,IRA,USD,2024-10-14,574454,68907,505547,1.0,37.8,44.1,2.8,15.4,XLF:17.1%;BRK.B:22.4%;VNQ:23.9%;QQQ:12.7%;MUB:23.9%,US:66.7;EU:16.1;APAC:5.3;EM:9.8;Other:2.1,Value:+0.6;Growth:-0.6;Quality:+0.7;Size:+0.9;Momentum:+0.6;LowVol:+0.8,ESGOnly;MaxPos7%;NoMargin,6,25,4.1,trailing 8%,112,18.7,Bear,31.1,3.15,1.7,138,-109,5,71,true,Reduce,"Cut high-beta by 2-3%, add cash",16,0,BrokerC,VWAP,85,VAR>budget,TightenStops,Risk above budget threshold,90,20,63,4,false,Increase defensive factor exposure
P2449,Opportunistic,IRA,USD,2025-01-01,861073,40786,820287,1.0,69.6,16.4,5.0,9.0,VNQ:22.0%;QQQ:15.2%;TLT:22.0%;HYG:22.0%;XLF:18.8%,US:66.3;EU:12.7;APAC:13.1;EM:3.5;Other:4.4,Value:-0.9;Growth:-0.4;Quality:+0.8;Size:+0.4;Momentum:-0.5;LowVol:-0.2,,6,25,5.8,hard 12%,168,21.3,Bull,16.9,3.94,2.0,83,89,100,50,false,Sell,Trim extended winner -1%,24,-13,BrokerA,MKT,97,None,None,Normal monitoring,-32,2,-36,4,false,Monitor dispersion and breadth
P2450,Systematic,Trust,USD,2024-08-12,563209,35323,527886,1.0,62.7,28.6,2.1,6.6,IEF:23.6%;VOO:26.6%;XLF:23.2%;MUB:26.6%,US:66.4;EU:9.6;APAC:11.2;EM:12.5;Other:0.2,Value:+0.5;Growth:+0.4;Quality:-0.6;Size:-0.1;Momentum:+0.8;LowVol:-1.0,MaxPos7%,5,30,5.0,hard 12%,210,17.4,Sideways,14.6,4.12,2.5,100,49,78,42,true,Rebalance,Rebalance back to target bands,-2,13,BrokerA,LMT,99,VAR>budget,Hedge,Risk above budget threshold,-22,-20,-1,2,false,Tighten stops on momentum names
P2451,Cautious,401k,USD,2024-09-12,818216,71208,747008,1.0,47.7,30.9,3.5,17.8,VTI:25.3%;TLT:24.1%;HYG:25.3%;AMZN:25.3%,US:62.7;EU:11.7;APAC:13.7;EM:6.0;Other:5.8,Value:+0.8;Growth:-0.2;Quality:+0.3;Size:-0.8;Momentum:+1.0;LowVol:-0.6,ESGOnly;NoMargin,10,35,5.5,trailing 8%,127,15.5,Volatile,24.2,3.95,3.8,111,14,66,51,false,Sell,Trim extended winner -1%,-13,-26,BrokerD,LMT,99,None,None,Normal monitoring,119,-13,224,5,false,Increase defensive factor exposure
P2452,Hands-off,Trust,USD,2024-08-18,443355,18302,425053,1.0,57.8,26.1,8.7,7.4,MSFT:21.3%;AAPL:6.5%;TSLA:21.3%;IEF:10.9%;VOO:21.3%;AMZN:18.6%,US:62.0;EU:14.2;APAC:15.3;EM:7.1;Other:1.4,Value:+0.8;Growth:-0.7;Quality:-0.5;Size:+1.0;Momentum:+0.7;LowVol:-0.2,MaxPos5%,10,30,3.0,trailing 10%,94,18.5,Sideways,16.9,4.69,3.5,105,-18,31,49,false,Sell,Trim extended winner -1%,4,-34,BrokerD,VWAP,93,None,None,Normal monitoring,64,-30,100,5,false,Monitor dispersion and breadth
P2453,Cautious,Trust,USD,2025-09-04,193839,28565,165274,1.0,51.2,30.4,1.8,16.5,VNQ:17.5%;QQQ:21.0%;VOO:30.7%;GLD:30.7%,US:63.2;EU:7.6;APAC:17.4;EM:8.3;Other:3.5,Value:+0.7;Growth:+0.2;Quality:-0.9;Size:-0.2;Momentum:-0.9;LowVol:-0.8,NoMargin,7,30,3.0,hard 10%,145,19.3,Sideways,19.2,3.59,3.5,125,42,80,42,true,Reduce,"Cut high-beta by 2-3%, add cash",26,-13,BrokerA,MKT,94,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-49,19,-24,2,false,Within IPS guidelines
P2454,Cautious,Roth,USD,2025-06-21,432704,45645,387059,1.0,49.9,37.8,0.0,12.4,BND:33.3%;XLF:33.3%;HYG:33.3%,US:68.9;EU:5.7;APAC:14.0;EM:10.8;Other:0.7,Value:+0.4;Growth:-0.1;Quality:-0.7;Size:-0.2;Momentum:+0.9;LowVol:-0.0,NoMargin,10,25,4.7,hard 10%,135,15.1,Volatile,24.7,4.2,4.3,116,78,100,60,false,Rebalance,Shift +1% to bonds from equity,-9,-23,BrokerA,MKT,94,None,None,Normal monitoring,91,-54,67,4,false,Monitor dispersion and breadth
P2455,Systematic,Trust,USD,2024-08-06,1213238,114399,1098839,1.0,59.0,33.9,0.2,6.9,QQQ:29.1%;VNQ:24.6%;AAPL:29.1%;MSFT:17.1%,US:71.8;EU:13.7;APAC:5.8;EM:6.9;Other:1.8,Value:+0.4;Growth:+0.8;Quality:-0.1;Size:+0.9;Momentum:+0.5;LowVol:-0.7,NoDerivatives,10,35,4.5,hard 12%,219,24.9,Bear,31.6,3.14,2.3,174,-113,5,72,true,Reduce,"Cut high-beta by 2-3%, add cash",21,-26,BrokerC,VWAP,100,RegimeShift,Reduce,Volatility spike and breadth deterioration,-5,-58,57,2,false,Increase defensive factor exposure
P2456,Hands-off,Trust,USD,2024-12-26,684654,56190,628464,1.0,67.2,19.5,6.7,6.7,VOO:17.1%;AAPL:20.8%;GLD:20.8%;MSFT:8.4%;BRK.B:14.2%;MUB:18.5%,US:69.2;EU:12.0;APAC:6.9;EM:5.4;Other:6.6,Value:+0.9;Growth:+0.6;Quality:-0.1;Size:+0.9;Momentum:-0.2;LowVol:-0.2,ESGOnly;MaxPos8%;NoDerivatives,7,25,4.0,trailing 10%,155,16.1,Sideways,19.7,3.68,2.8,134,4,44,55,false,Buy,Add to core equity +1%,-11,-39,BrokerA,MKT,93,None,None,Normal monitoring,18,-48,125,5,false,Tax-aware sells next window
P2457,Hands-off,IRA,USD,2025-06-27,636522,62924,573598,1.0,57.6,16.0,18.0,8.5,BRK.B:16.0%;BND:10.9%;TSLA:24.4%;AMZN:24.4%;VNQ:24.4%,US:72.0;EU:7.8;APAC:12.5;EM:7.0;Other:0.7,Value:+0.3;Growth:-0.4;Quality:+0.9;Size:+0.7;Momentum:-0.0;LowVol:-0.9,ESGOnly;MaxPos8%;NoDerivatives,6,25,3.4,hard 10%,138,15.4,Volatile,20.3,5.4,3.6,133,-56,30,45,true,Hedge,Buy index puts 1% notional,21,9,BrokerA,VWAP,93,RegimeShift,Reduce,Volatility spike and breadth deterioration,120,-58,241,4,false,Within IPS guidelines
P2458,Cautious,Taxable,USD,2025-08-19,702010,70998,631012,1.0,46.1,40.8,0.0,13.2,VNQ:5.8%;TLT:18.1%;HYG:15.2%;AMZN:21.1%;VOO:18.7%;QQQ:21.1%,US:67.9;EU:7.7;APAC:9.8;EM:9.5;Other:5.0,Value:-0.5;Growth:+0.6;Quality:-0.3;Size:+1.0;Momentum:+0.7;LowVol:+0.6,ESGOnly;NoMargin,6,35,5.5,trailing 10%,159,16.8,Volatile,27.0,4.99,4.2,140,23,48,61,false,Buy,Add to core equity +1%,-5,-35,BrokerC,MKT,96,None,None,Normal monitoring,52,-20,102,4,false,Increase defensive factor exposure
P2459,Hands-off,IRA,USD,2025-12-02,399077,24140,374937,1.0,62.5,25.0,3.6,8.9,IEF:25.7%;BND:14.6%;VTI:16.7%;TSLA:17.3%;AMZN:25.7%,US:70.5;EU:11.6;APAC:5.5;EM:9.5;Other:2.9,Value:-0.6;Growth:-0.0;Quality:-0.1;Size:-0.0;Momentum:+0.8;LowVol:-0.4,ESGOnly;MaxPos5%,6,25,4.1,hard 10%,117,17.0,Sideways,15.1,4.49,3.3,105,60,73,39,false,Rebalance,Shift +1% to bonds from equity,-9,9,BrokerA,MKT,85,None,None,Normal monitoring,102,12,99,4,false,Within IPS guidelines
P2460,Opportunistic,IRA,USD,2025-10-17,708157,60705,647452,1.0,75.8,12.1,7.0,5.2,IEF:33.3%;AMZN:33.3%;VOO:33.3%,US:69.6;EU:7.5;APAC:9.2;EM:10.7;Other:2.9,Value:+0.1;Growth:-0.5;Quality:-0.7;Size:-0.6;Momentum:+0.9;LowVol:-0.3,MaxPos6%,5,25,6.3,trailing 7%,259,26.0,Bear,34.3,3.93,1.7,159,25,49,100,true,Hedge,Buy index puts 1% notional,20,-18,BrokerC,MKT,100,RegimeShift,Pause,Volatility spike and breadth deterioration,-25,-31,2,2,false,Increase defensive factor exposure
P2461,Hands-off,Trust,USD,2025-06-22,420117,41612,378505,1.0,58.0,28.3,8.1,5.5,TSLA:12.9%;MSFT:18.5%;BRK.B:24.5%;VNQ:24.5%;VTI:19.6%,US:73.6;EU:12.6;APAC:7.0;EM:5.1;Other:1.7,Value:+0.5;Growth:+0.7;Quality:+1.0;Size:-0.7;Momentum:+0.2;LowVol:+0.6,ESGOnly,7,25,5.5,trailing 8%,113,19.8,Volatile,31.3,3.51,3.4,170,38,76,69,false,Buy,Add to core equity +1%,25,-28,BrokerB,LMT,90,None,None,Normal monitoring,-32,-42,100,4,false,Tax-aware sells next window
P2462,Active,Trust,USD,2025-09-19,1431003,133878,1297125,1.0,57.9,27.3,9.5,5.2,QQQ:21.7%;BRK.B:9.0%;TSLA:20.0%;AAPL:21.7%;BND:14.2%;VTI:13.3%,US:70.2;EU:10.6;APAC:10.0;EM:6.4;Other:2.8,Value:-0.8;Growth:-0.1;Quality:-0.2;Size:+0.9;Momentum:+0.6;LowVol:+0.2,MaxPos7%,6,30,4.1,hard 12%,180,22.8,Bull,17.6,4.37,2.3,95,48,66,45,false,Rebalance,Shift +1% to bonds from equity,24,-30,BrokerA,VWAP,98,None,None,Normal monitoring,53,15,166,5,false,Increase defensive factor exposure
P2463,Systematic,Trust,USD,2025-04-08,1589238,65281,1523957,1.0,63.6,31.3,0.0,5.1,GLD:28.8%;VTI:13.7%;AMZN:28.8%;BRK.B:28.8%,US:71.7;EU:9.4;APAC:6.0;EM:10.9;Other:2.0,Value:+0.2;Growth:-0.4;Quality:-0.8;Size:+0.6;Momentum:+0.8;LowVol:+0.7,,10,35,5.1,trailing 8%,124,20.0,Volatile,24.4,4.96,2.3,129,-41,35,70,false,NoAction,Within bands; monitor,5,-36,BrokerD,MKT,0,None,None,Normal monitoring,83,10,181,3,false,Within IPS guidelines
P2464,Active,Roth,USD,2025-04-27,1592542,129799,1462743,1.23,61.2,19.7,11.9,7.2,QQQ:21.5%;XLF:21.5%;TSLA:13.7%;VNQ:21.5%;GLD:8.0%;VOO:13.8%,US:62.1;EU:16.3;APAC:10.8;EM:7.9;Other:2.9,Value:+0.8;Growth:-0.6;Quality:-0.1;Size:+0.8;Momentum:-0.2;LowVol:-0.5,NoDerivatives,8,25,5.8,hard 12%,120,18.9,Bear,27.1,4.5,1.9,144,-110,5,69,false,Buy,Add to core equity +1%,1,-18,BrokerA,LMT,100,None,None,Normal monitoring,38,-29,34,5,false,Within IPS guidelines
P2465,Opportunistic,401k,USD,2025-04-20,931027,33276,897751,1.0,72.1,21.6,0.0,6.3,VOO:18.5%;IEF:21.3%;MSFT:18.8%;TLT:21.3%;AMZN:20.2%,US:75.1;EU:11.0;APAC:6.9;EM:6.8;Other:0.2,Value:-0.0;Growth:-0.6;Quality:+0.9;Size:+0.9;Momentum:-0.1;LowVol:0.0,NoDerivatives,10,25,5.2,trailing 7%,224,28.9,Sideways,14.7,4.11,2.7,136,-19,36,59,false,Rebalance,Shift +1% to bonds from equity,9,9,BrokerD,VWAP,99,None,None,Normal monitoring,95,10,188,5,false,Within IPS guidelines
P2466,Active,401k,USD,2024-10-17,1149887,124998,1024889,1.0,62.5,30.1,2.1,5.3,BRK.B:19.9%;MSFT:26.7%;XLF:26.7%;QQQ:26.7%,US:69.7;EU:10.8;APAC:13.9;EM:4.7;Other:1.0,Value:+0.4;Growth:-0.0;Quality:+0.6;Size:+0.1;Momentum:-0.9;LowVol:+0.2,,6,30,4.1,trailing 8%,171,19.1,Bull,15.7,4.5,3.4,73,27,58,41,false,Rebalance,Shift +1% to bonds from equity,-11,-31,BrokerA,LMT,89,None,None,Normal monitoring,-44,-47,-67,3,false,Monitor dispersion and breadth
P2467,Hands-off,IRA,USD,2025-10-31,453761,42226,411535,1.0,69.8,16.8,6.0,7.4,MSFT:27.8%;GLD:16.6%;VOO:27.8%;AMZN:27.8%,US:74.2;EU:12.5;APAC:6.6;EM:5.9;Other:1.0,Value:-0.8;Growth:+0.5;Quality:+0.1;Size:-0.9;Momentum:+0.7;LowVol:-0.2,MaxPos5%;NoDerivatives,7,35,4.6,hard 10%,125,16.3,Volatile,21.7,5.4,2.1,162,72,77,60,true,Hedge,Buy index puts 1% notional,23,-9,BrokerA,LMT,91,Drift>tolerance,Hedge,Allocation drift beyond policy bands,107,-37,226,2,false,Monitor dispersion and breadth
P2468,Active,IRA,USD,2024-08-28,2392014,254750,2137264,1.0,54.1,29.4,11.1,5.4,TLT:11.2%;BND:22.9%;MSFT:23.5%;VNQ:9.2%;GLD:9.7%;XLF:23.5%,US:68.9;EU:11.8;APAC:11.9;EM:4.6;Other:2.8,Value:+0.4;Growth:+0.6;Quality:+0.1;Size:-0.3;Momentum:-0.3;LowVol:-0.4,MaxPos8%,8,30,5.3,hard 12%,224,25.5,Volatile,24.2,3.87,3.7,112,-36,36,67,true,Reduce,"Cut high-beta by 2-3%, add cash",-2,-36,BrokerB,LMT,95,Drift>tolerance,Pause,Allocation drift beyond policy bands,35,-52,22,2,false,Tax-aware sells next window
P2469,Hands-off,Taxable,USD,2024-12-02,365512,35336,330176,1.0,57.9,15.2,18.3,8.6,IEF:15.0%;MSFT:29.3%;BRK.B:26.3%;VNQ:29.3%,US:60.3;EU:8.5;APAC:16.5;EM:10.4;Other:4.4,Value:-0.9;Growth:+0.9;Quality:+0.2;Size:-0.2;Momentum:+0.4;LowVol:-0.7,ESGOnly,7,30,5.2,hard 10%,144,14.3,Sideways,19.0,4.31,2.4,137,50,63,54,false,Rebalance,Shift +1% to bonds from equity,33,-17,BrokerC,LMT,96,None,None,Normal monitoring,-38,-55,75,3,false,Monitor dispersion and breadth
P2470,Systematic,IRA,USD,2025-01-11,1457109,65706,1391403,1.0,58.1,22.4,12.2,7.3,VNQ:25.0%;TSLA:25.0%;XLF:25.0%;BND:25.0%,US:58.5;EU:21.2;APAC:8.0;EM:7.7;Other:4.6,Value:-0.1;Growth:-0.3;Quality:+0.8;Size:-0.4;Momentum:-0.9;LowVol:+0.6,MaxPos7%;NoDerivatives,10,25,4.5,trailing 9%,218,28.0,Volatile,28.3,4.98,2.0,174,-11,49,69,false,Buy,Add to core equity +1%,-13,-20,BrokerA,MKT,90,None,None,Normal monitoring,27,-22,4,5,false,Tighten stops on momentum names
P2471,Hands-off,401k,USD,2025-01-27,238079,13827,224252,1.0,66.2,26.3,0.0,7.5,XLF:33.3%;BND:33.3%;VTI:33.3%,US:65.8;EU:12.2;APAC:12.7;EM:7.7;Other:1.5,Value:+0.4;Growth:+0.9;Quality:+0.2;Size:+0.4;Momentum:-0.5;LowVol:-0.2,,5,30,3.7,trailing 8%,121,20.0,Volatile,30.6,5.2,3.7,137,20,70,77,true,Reduce,"Cut high-beta by 2-3%, add cash",3,10,BrokerD,MKT,95,VAR>budget,TightenStops,Risk above budget threshold,22,-35,156,2,true,Increase defensive factor exposure
P2472,Opportunistic,401k,USD,2025-02-10,1445529,116505,1329024,1.0,76.1,19.1,0.0,4.9,AMZN:22.1%;TLT:20.5%;HYG:22.1%;TSLA:22.1%;XLF:13.2%,US:74.6;EU:11.3;APAC:5.2;EM:8.6;Other:0.2,Value:+0.8;Growth:-0.3;Quality:+0.4;Size:+0.6;Momentum:+0.3;LowVol:-0.4,MaxPos7%;NoDerivatives,6,35,6.6,trailing 9%,170,28.7,Volatile,29.2,4.73,3.5,148,-23,34,79,true,Hedge,Buy index puts 1% notional,4,-34,BrokerC,LMT,89,Drift>tolerance,Reduce,Allocation drift beyond policy bands,8,-1,-19,3,false,Within IPS guidelines
P2473,Active,401k,USD,2024-10-09,548429,60993,487436,1.0,54.3,18.3,17.5,9.8,VTI:21.8%;MSFT:21.8%;TSLA:20.9%;AAPL:21.8%;IEF:13.7%,US:66.0;EU:11.6;APAC:8.7;EM:9.8;Other:3.9,Value:+0.9;Growth:0.0;Quality:0.0;Size:+0.6;Momentum:+0.6;LowVol:+0.8,MaxPos5%,8,25,5.2,trailing 9%,158,27.4,Volatile,29.5,3.94,2.4,169,51,84,74,true,Hedge,Buy index puts 1% notional,25,-17,BrokerB,VWAP,89,Drift>tolerance,Hedge,Allocation drift beyond policy bands,63,10,71,3,false,Within IPS guidelines
P2474,Active,Trust,USD,2024-10-28,1129043,77407,1051636,1.1,54.4,18.8,17.3,9.5,AAPL:20.5%;HYG:23.5%;MUB:23.5%;VNQ:9.0%;BRK.B:23.5%,US:69.7;EU:10.2;APAC:9.1;EM:6.8;Other:4.2,Value:+0.4;Growth:+1.0;Quality:-0.4;Size:+0.9;Momentum:-1.0;LowVol:-0.5,MaxPos6%,10,25,4.5,trailing 9%,206,19.0,Sideways,17.4,3.98,2.3,108,38,61,40,false,Hedge,Add TLT +1% as duration hedge,29,-22,BrokerB,LMT,94,None,None,Normal monitoring,-21,4,89,5,false,Tighten stops on momentum names
P2475,Hands-off,401k,USD,2025-05-03,237425,10891,226534,1.0,74.1,17.2,0.1,8.6,VTI:15.0%;GLD:23.7%;MSFT:23.7%;VOO:23.7%;VNQ:13.9%,US:68.0;EU:14.8;APAC:9.2;EM:3.6;Other:4.4,Value:+0.3;Growth:+0.9;Quality:+0.9;Size:+0.2;Momentum:-0.1;LowVol:+0.4,,8,25,5.5,hard 10%,144,12.3,Bear,31.7,3.8,1.3,136,-24,45,82,true,Reduce,"Cut high-beta by 2-3%, add cash",34,-38,BrokerB,MKT,98,Drift>tolerance,Reduce,Allocation drift beyond policy bands,32,1,5,2,false,Monitor dispersion and breadth
P2476,Hands-off,Taxable,USD,2025-02-23,705875,50907,654968,1.0,69.9,22.9,0.0,7.2,VOO:18.9%;TLT:15.3%;VNQ:20.6%;BRK.B:8.5%;QQQ:16.1%;IEF:20.6%,US:63.4;EU:15.6;APAC:10.7;EM:5.2;Other:5.2,Value:0.0;Growth:+0.9;Quality:+1.0;Size:+0.1;Momentum:+1.0;LowVol:+0.2,ESGOnly;MaxPos7%;NoDerivatives,8,35,5.7,trailing 8%,91,14.8,Bull,15.2,4.46,3.1,118,28,57,60,false,NoAction,Within bands; monitor,3,14,BrokerB,LMT,85,None,None,Normal monitoring,39,-25,160,4,false,Tax-aware sells next window
P2477,Hands-off,IRA,USD,2025-12-08,241869,10179,231690,1.0,68.8,22.7,0.0,8.4,BRK.B:19.7%;MSFT:9.6%;TSLA:23.6%;IEF:23.6%;GLD:23.6%,US:70.4;EU:7.4;APAC:8.6;EM:7.5;Other:6.2,Value:-0.0;Growth:-0.7;Quality:+0.8;Size:+0.2;Momentum:+0.4;LowVol:+0.4,ESGOnly,8,35,3.5,trailing 8%,155,14.2,Volatile,25.9,5.05,3.8,177,-14,53,83,true,Hedge,Buy index puts 1% notional,9,-20,BrokerD,LMT,86,VAR>budget,TightenStops,Risk above budget threshold,118,-46,155,2,false,Tighten stops on momentum names
P2478,Hands-off,IRA,USD,2024-10-01,367936,15320,352616,1.0,55.0,19.4,17.8,7.8,AMZN:24.6%;VOO:25.1%;MSFT:25.1%;VNQ:25.1%,US:75.4;EU:9.5;APAC:6.1;EM:4.9;Other:4.1,Value:-0.8;Growth:+0.2;Quality:+0.4;Size:+0.5;Momentum:+0.4;LowVol:+0.5,,8,35,3.7,trailing 8%,138,15.1,Volatile,20.8,3.64,4.3,148,48,65,51,false,Hedge,Add TLT +1% as duration hedge,-5,14,BrokerC,VWAP,97,None,None,Normal monitoring,5,-3,43,4,false,Within IPS guidelines
P2479,Cautious,Roth,USD,2024-07-07,182920,28962,153958,1.0,41.2,32.1,15.9,10.7,AAPL:15.4%;VTI:22.2%;MUB:12.3%;AMZN:18.2%;BRK.B:22.2%;QQQ:9.8%,US:71.3;EU:6.4;APAC:13.5;EM:5.2;Other:3.7,Value:-0.0;Growth:-0.8;Quality:-0.7;Size:+0.6;Momentum:0.0;LowVol:+0.1,ESGOnly;MaxPos5%;NoMargin,10,25,3.7,trailing 8%,92,17.8,Sideways,18.7,3.74,2.2,129,58,74,38,false,Buy,Add to core equity +1%,26,1,BrokerC,LMT,89,None,None,Normal monitoring,97,-40,120,5,false,Tighten stops on momentum names
P2480,Hands-off,401k,USD,2024-07-27,253389,12636,240753,1.0,64.2,16.0,13.5,6.3,VNQ:11.6%;XLF:22.7%;BRK.B:22.7%;AAPL:20.4%;BND:22.7%,US:67.3;EU:11.1;APAC:12.3;EM:8.6;Other:0.8,Value:+0.4;Growth:-1.0;Quality:+0.5;Size:-0.5;Momentum:+0.4;LowVol:-0.0,ESGOnly,7,35,5.0,trailing 8%,90,15.4,Bull,13.3,4.44,2.5,77,3,60,40,false,Sell,Trim extended winner -1%,3,-3,BrokerB,LMT,86,None,None,Normal monitoring,107,-6,172,4,false,Monitor dispersion and breadth
P2481,Opportunistic,IRA,USD,2024-09-08,1618108,114099,1504009,1.0,69.5,18.4,6.5,5.6,GLD:23.0%;MUB:15.9%;AMZN:15.1%;HYG:23.0%;VTI:23.0%,US:68.7;EU:17.3;APAC:7.9;EM:3.0;Other:3.1,Value:+0.3;Growth:-0.8;Quality:0.0;Size:+0.5;Momentum:-0.6;LowVol:-0.7,,7,25,5.7,trailing 9%,264,29.9,Volatile,24.7,5.19,3.4,121,13,69,71,true,Reduce,"Cut high-beta by 2-3%, add cash",5,-34,BrokerA,LMT,88,VAR>budget,Hedge,Risk above budget threshold,46,-19,180,3,false,Tax-aware sells next window
P2482,Hands-off,IRA,USD,2025-12-23,831517,65419,766098,1.0,64.9,28.5,0.0,6.6,VNQ:20.2%;AMZN:26.6%;GLD:26.6%;TSLA:26.6%,US:66.5;EU:13.2;APAC:11.8;EM:6.6;Other:2.0,Value:+0.1;Growth:+0.3;Quality:-0.6;Size:-0.3;Momentum:-0.4;LowVol:+0.4,MaxPos8%,10,25,3.8,hard 10%,139,13.3,Volatile,31.3,4.79,2.4,128,-25,29,80,true,Hedge,Buy index puts 1% notional,21,-7,BrokerC,MKT,96,Drift>tolerance,Reduce,Allocation drift beyond policy bands,29,-8,-6,4,false,Increase defensive factor exposure
P2483,Active,Roth,USD,2025-11-02,1550877,149700,1401177,1.0,63.7,28.1,0.0,8.1,BND:25.7%;VNQ:14.2%;BRK.B:23.1%;GLD:11.3%;MSFT:25.7%,US:69.3;EU:6.4;APAC:11.6;EM:9.5;Other:3.2,Value:+0.1;Growth:+0.4;Quality:+0.1;Size:+0.2;Momentum:+0.5;LowVol:-0.5,,10,25,5.6,trailing 8%,132,22.4,Volatile,23.4,4.38,2.6,110,70,72,73,true,Hedge,Buy index puts 1% notional,20,-5,BrokerD,MKT,99,RegimeShift,Hedge,Volatility spike and breadth deterioration,-51,10,27,5,true,Within IPS guidelines
P2484,Cautious,Taxable,USD,2025-11-15,383209,52733,330476,1.0,36.5,37.9,8.1,17.5,BND:21.1%;TLT:10.9%;MUB:20.1%;IEF:23.9%;GLD:23.9%,US:56.4;EU:15.3;APAC:14.3;EM:9.6;Other:4.5,Value:-0.3;Growth:+0.8;Quality:-0.6;Size:+0.1;Momentum:+0.1;LowVol:+0.9,ESGOnly;NoMargin,6,30,3.8,trailing 8%,132,17.6,Volatile,31.0,4.21,2.6,156,16,61,68,false,Rebalance,Shift +1% to bonds from equity,21,2,BrokerB,LMT,89,None,None,Normal monitoring,6,-53,49,3,false,Tighten stops on momentum names
P2485,Opportunistic,Roth,USD,2025-09-11,1621480,112558,1508922,1.0,60.0,14.0,18.5,7.4,IEF:26.8%;AMZN:19.5%;HYG:26.8%;GLD:26.8%,US:68.7;EU:19.9;APAC:6.6;EM:4.6;Other:0.2,Value:-0.4;Growth:-0.4;Quality:-0.5;Size:-0.1;Momentum:-0.9;LowVol:-0.3,NoDerivatives,5,35,4.3,hard 12%,210,21.6,Bull,11.7,3.51,2.8,85,79,79,44,false,Buy,Add to core equity +1%,19,-37,BrokerD,MKT,100,None,None,Normal monitoring,-9,-47,-40,4,false,Increase defensive factor exposure
P2486,Hands-off,401k,USD,2025-10-19,472773,45602,427171,1.0,63.4,21.8,5.1,9.8,TLT:25.0%;QQQ:25.0%;VOO:25.0%;HYG:25.0%,US:58.2;EU:18.9;APAC:12.6;EM:5.8;Other:4.4,Value:-0.9;Growth:+1.0;Quality:+0.3;Size:+0.7;Momentum:+0.2;LowVol:+0.1,,8,35,4.8,trailing 8%,92,18.1,Sideways,20.2,4.07,2.6,123,51,73,52,false,Rebalance,Shift +1% to bonds from equity,-8,8,BrokerD,MKT,87,None,None,Normal monitoring,-5,-54,40,5,false,Monitor dispersion and breadth
P2487,Cautious,Taxable,USD,2025-04-17,266147,22969,243178,1.0,47.0,33.1,7.4,12.4,QQQ:26.9%;MUB:19.4%;VOO:26.9%;VTI:26.9%,US:67.5;EU:16.6;APAC:9.2;EM:6.0;Other:0.7,Value:-0.6;Growth:-0.3;Quality:-0.9;Size:+0.2;Momentum:-0.7;LowVol:+0.3,NoMargin,8,35,3.9,hard 10%,152,13.9,Sideways,18.6,3.55,2.1,124,54,83,37,false,Hedge,Add TLT +1% as duration hedge,-11,1,BrokerA,MKT,92,None,None,Normal monitoring,29,-29,162,5,false,Within IPS guidelines
P2488,Systematic,Roth,USD,2024-10-21,1038415,64244,974171,1.0,55.7,23.1,11.5,9.7,MUB:27.6%;QQQ:27.6%;MSFT:17.2%;HYG:27.6%,US:69.9;EU:13.7;APAC:6.0;EM:7.9;Other:2.5,Value:+0.9;Growth:-0.8;Quality:+0.5;Size:-0.3;Momentum:+0.1;LowVol:-0.8,NoDerivatives,8,25,5.1,trailing 8%,190,19.9,Bull,16.4,4.39,3.2,86,87,80,37,false,Rebalance,Shift +1% to bonds from equity,-15,1,BrokerA,MKT,94,None,None,Normal monitoring,98,-15,171,5,false,Within IPS guidelines
P2489,Cautious,401k,USD,2024-10-24,869048,134365,734683,1.0,48.7,38.5,2.6,10.2,XLF:14.6%;AAPL:22.0%;AMZN:20.6%;VOO:22.0%;BND:20.8%,US:64.8;EU:15.5;APAC:8.9;EM:10.1;Other:0.8,Value:-0.6;Growth:+0.9;Quality:-0.7;Size:-0.3;Momentum:+0.3;LowVol:+0.4,ESGOnly;NoDerivatives;NoMargin,10,35,3.3,trailing 10%,166,14.8,Volatile,30.6,5.49,3.4,147,-12,54,70,false,Sell,Trim extended winner -1%,29,-10,BrokerA,MKT,90,None,None,Normal monitoring,67,-48,145,3,false,Tighten stops on momentum names
P2490,Opportunistic,IRA,USD,2025-05-20,315622,25731,289891,1.25,61.9,21.0,11.5,5.5,BRK.B:15.1%;XLF:19.4%;TLT:20.8%;GLD:13.7%;VTI:10.1%;BND:20.8%,US:75.8;EU:5.5;APAC:11.6;EM:3.1;Other:4.0,Value:+0.2;Growth:+0.6;Quality:-0.2;Size:-0.2;Momentum:+0.7;LowVol:-0.0,,6,35,5.9,trailing 7%,168,28.4,Sideways,14.3,4.4,2.8,131,42,66,49,false,Rebalance,Shift +1% to bonds from equity,-9,-20,BrokerB,LMT,91,None,None,Normal monitoring,-55,-23,7,4,false,Tax-aware sells next window
P2491,Systematic,Taxable,USD,2025-06-17,1988720,160938,1827782,1.0,61.5,28.6,3.7,6.2,IEF:21.1%;VNQ:21.0%;TLT:20.6%;QQQ:16.3%;XLF:21.1%,US:72.4;EU:13.9;APAC:5.3;EM:4.6;Other:3.8,Value:-1.0;Growth:+0.4;Quality:+1.0;Size:+0.5;Momentum:+0.8;LowVol:+0.7,,7,35,5.0,hard 12%,185,19.8,Bear,22.0,3.02,1.3,170,-25,25,61,false,Rebalance,Shift +1% to bonds from equity,5,-27,BrokerA,MKT,89,None,None,Normal monitoring,58,-19,187,4,false,Tax-aware sells next window
P2492,Active,Taxable,USD,2024-08-17,2208210,211971,1996239,1.0,65.8,19.0,9.9,5.3,TSLA:18.7%;MUB:15.4%;QQQ:17.3%;BND:24.3%;GLD:24.3%,US:64.9;EU:14.1;APAC:12.7;EM:4.3;Other:4.0,Value:+0.9;Growth:-0.8;Quality:+0.3;Size:0.0;Momentum:-1.0;LowVol:+0.8,,5,25,4.3,trailing 9%,205,23.1,Volatile,26.0,3.73,3.5,170,-3,45,74,true,Hedge,Buy index puts 1% notional,2,0,BrokerC,VWAP,95,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,101,-31,69,5,false,Tighten stops on momentum names
P2493,Active,Trust,USD,2025-11-20,2450232,253781,2196451,1.0,65.4,25.4,0.0,9.3,HYG:33.9%;GLD:32.2%;AAPL:33.9%,US:65.9;EU:8.4;APAC:13.5;EM:10.4;Other:1.8,Value:+0.2;Growth:+0.6;Quality:+0.8;Size:-0.8;Momentum:+0.9;LowVol:-0.5,MaxPos7%;NoDerivatives,8,30,6.0,trailing 9%,198,27.0,Bear,31.1,3.13,2.3,154,9,68,90,true,Hedge,Buy index puts 1% notional,-1,-5,BrokerD,LMT,89,VAR>budget,Pause,Risk above budget threshold,-38,2,38,4,false,Within IPS guidelines
P2494,Opportunistic,Taxable,USD,2024-09-07,1573894,106139,1467755,1.0,76.2,11.7,3.9,8.1,GLD:22.6%;IEF:13.4%;TLT:23.6%;QQQ:16.9%;VNQ:23.6%,US:68.7;EU:11.5;APAC:9.4;EM:8.7;Other:1.8,Value:+0.5;Growth:+0.2;Quality:+0.1;Size:+0.4;Momentum:-0.8;LowVol:+0.6,NoDerivatives,10,25,5.7,trailing 9%,208,32.1,Bull,11.5,4.12,2.0,112,99,100,38,false,Rebalance,Shift +1% to bonds from equity,32,-22,BrokerB,VWAP,89,None,None,Normal monitoring,-21,2,65,5,false,Tighten stops on momentum names
P2495,Hands-off,Trust,USD,2024-09-19,754987,74099,680888,1.0,67.1,18.0,9.1,5.8,QQQ:29.0%;AAPL:29.0%;HYG:13.0%;GLD:29.0%,US:69.4;EU:14.2;APAC:6.7;EM:8.2;Other:1.6,Value:-0.7;Growth:-0.8;Quality:+0.4;Size:-0.1;Momentum:+0.7;LowVol:+0.5,ESGOnly;MaxPos8%;NoDerivatives,5,30,4.6,hard 10%,115,19.6,Volatile,29.5,3.79,2.2,126,73,97,75,true,Hedge,Buy index puts 1% notional,-13,11,BrokerC,MKT,86,VAR>budget,TightenStops,Risk above budget threshold,66,-28,168,2,false,Tighten stops on momentum names
P2496,Cautious,Trust,USD,2025-12-01,340486,44480,296006,1.0,45.0,34.8,3.1,17.1,TSLA:29.0%;BRK.B:29.0%;AMZN:12.9%;QQQ:29.0%,US:59.4;EU:16.3;APAC:10.7;EM:9.4;Other:4.2,Value:+1.0;Growth:-0.0;Quality:+0.7;Size:+0.1;Momentum:+0.1;LowVol:-0.1,ESGOnly;NoMargin,7,30,4.6,hard 10%,105,15.7,Volatile,29.7,3.8,2.6,172,59,66,66,false,Sell,Trim extended winner -1%,-1,-34,BrokerA,LMT,88,None,None,Normal monitoring,-2,-41,129,3,false,Within IPS guidelines
P2497,Hands-off,Roth,USD,2025-11-16,595432,35888,559544,1.0,65.8,24.1,0.8,9.4,HYG:27.0%;TSLA:24.3%;TLT:27.0%;BRK.B:21.6%,US:65.3;EU:8.4;APAC:11.2;EM:10.3;Other:4.8,Value:-0.9;Growth:+0.9;Quality:-0.3;Size:+1.0;Momentum:0.0;LowVol:-0.1,ESGOnly,8,25,4.3,trailing 10%,126,17.5,Volatile,29.2,5.05,3.8,145,-44,19,75,true,Hedge,Buy index puts 1% notional,14,-25,BrokerB,LMT,96,Drift>tolerance,Reduce,Allocation drift beyond policy bands,45,-4,157,3,false,Tax-aware sells next window
P2498,Cautious,401k,USD,2025-08-08,165717,23895,141822,1.0,44.8,41.8,0.0,13.3,TSLA:26.0%;GLD:26.0%;MUB:26.0%;XLF:22.0%,US:58.8;EU:17.1;APAC:8.3;EM:12.1;Other:3.7,Value:-0.1;Growth:-0.5;Quality:-0.4;Size:+0.7;Momentum:-0.3;LowVol:-0.1,NoMargin,8,30,3.4,trailing 8%,157,19.4,Volatile,30.5,3.86,3.2,158,67,68,76,true,Rebalance,Rebalance back to target bands,26,-36,BrokerA,MKT,93,RegimeShift,Reduce,Volatility spike and breadth deterioration,-18,16,20,3,false,Monitor dispersion and breadth
P2499,Active,Taxable,USD,2025-11-12,1847753,190138,1657615,1.0,61.9,24.3,8.6,5.2,VOO:21.6%;MUB:26.6%;IEF:26.6%;QQQ:25.3%,US:61.9;EU:12.6;APAC:13.6;EM:9.5;Other:2.5,Value:-0.0;Growth:-0.8;Quality:-0.4;Size:-0.5;Momentum:+0.5;LowVol:+0.2,MaxPos6%;NoDerivatives,5,30,5.1,hard 12%,141,16.7,Bull,11.2,5.0,3.5,82,82,77,46,false,Buy,Add to core equity +1%,27,-20,BrokerA,MKT,91,None,None,Normal monitoring,60,-23,77,4,false,Tighten stops on momentum names
P2500,Active,Taxable,USD,2025-07-08,868181,66097,802084,1.0,54.3,29.2,11.4,5.2,QQQ:29.3%;HYG:35.3%;XLF:35.3%,US:70.2;EU:6.7;APAC:11.0;EM:8.3;Other:3.7,Value:+0.4;Growth:+0.6;Quality:-0.2;Size:+0.9;Momentum:+0.6;LowVol:-0.4,,5,30,4.1,trailing 8%,169,21.9,Bull,16.4,3.65,2.6,78,91,80,43,false,Buy,Add to core equity +1%,22,12,BrokerD,MKT,99,None,None,Normal monitoring,-56,-2,-15,5,false,Tax-aware sells next window
P2501,Hands-off,Trust,USD,2024-09-18,570728,37702,533026,1.0,66.1,26.2,0.0,7.7,TSLA:17.2%;MUB:15.7%;GLD:8.6%;AMZN:18.0%;VTI:21.9%;HYG:18.5%,US:60.7;EU:15.7;APAC:12.5;EM:8.4;Other:2.7,Value:+0.9;Growth:+0.7;Quality:-0.2;Size:-0.5;Momentum:+0.2;LowVol:-1.0,ESGOnly,10,25,4.8,trailing 8%,116,19.3,Bull,15.3,4.28,3.5,79,79,90,46,false,Rebalance,Shift +1% to bonds from equity,29,14,BrokerC,LMT,91,None,None,Normal monitoring,42,-30,89,4,false,Tax-aware sells next window
P2502,Opportunistic,Trust,USD,2025-05-07,1396408,70527,1325881,1.0,75.2,11.4,5.6,7.7,TLT:15.7%;HYG:21.9%;QQQ:11.8%;VNQ:16.3%;TSLA:12.3%;XLF:21.9%,US:62.3;EU:18.1;APAC:10.2;EM:5.5;Other:3.9,Value:-0.9;Growth:-0.6;Quality:+0.6;Size:-0.2;Momentum:-0.7;LowVol:-0.7,MaxPos8%,8,30,5.4,trailing 7%,244,27.2,Volatile,20.4,3.76,2.6,126,-18,45,69,false,Rebalance,Shift +1% to bonds from equity,28,11,BrokerA,MKT,88,None,None,Normal monitoring,71,5,123,3,false,Within IPS guidelines
P2503,Hands-off,Taxable,USD,2025-02-09,424507,40822,383685,1.0,67.7,20.5,2.3,9.6,VOO:22.1%;HYG:11.6%;MUB:22.1%;TLT:22.1%;AMZN:22.1%,US:59.9;EU:19.3;APAC:6.0;EM:11.1;Other:3.7,Value:+0.3;Growth:+0.9;Quality:-0.5;Size:-0.7;Momentum:-0.8;LowVol:+0.1,NoDerivatives,7,25,4.7,trailing 8%,126,17.6,Volatile,28.5,5.13,4.3,141,76,76,86,true,Reduce,"Cut high-beta by 2-3%, add cash",12,11,BrokerA,LMT,87,VAR>budget,Hedge,Risk above budget threshold,6,4,108,5,false,Monitor dispersion and breadth
P2504,Cautious,401k,USD,2024-09-02,677882,62258,615624,1.0,49.5,31.3,2.8,16.4,IEF:23.7%;MSFT:23.7%;VNQ:17.5%;VOO:11.3%;TLT:23.7%,US:65.5;EU:11.8;APAC:7.0;EM:13.0;Other:2.8,Value:0.0;Growth:-0.3;Quality:+0.3;Size:+0.5;Momentum:-0.1;LowVol:+0.6,ESGOnly;MaxPos6%;NoDerivatives;NoMargin,8,30,4.2,hard 10%,167,18.3,Volatile,29.3,5.41,2.6,160,-12,38,62,false,Sell,Trim extended winner -1%,-2,-10,BrokerC,MKT,86,None,None,Normal monitoring,-40,4,3,3,false,Tax-aware sells next window
P2505,Active,IRA,USD,2025-11-17,1091719,101988,989731,1.11,67.7,26.9,0.4,5.0,AMZN:23.4%;BRK.B:16.9%;GLD:20.1%;VTI:23.4%;IEF:16.2%,US:70.5;EU:7.8;APAC:8.6;EM:12.0;Other:1.0,Value:+0.6;Growth:+0.2;Quality:-0.3;Size:-0.8;Momentum:+0.4;LowVol:+0.4,NoDerivatives,10,25,5.4,trailing 9%,167,25.6,Sideways,18.8,3.86,2.2,137,1,55,52,false,Sell,Trim extended winner -1%,-3,-6,BrokerA,LMT,96,None,None,Normal monitoring,48,-45,48,4,false,Increase defensive factor exposure
P2506,Systematic,Roth,USD,2024-09-06,912660,51469,861191,1.0,58.4,23.2,12.5,5.8,VNQ:19.7%;MUB:13.0%;AAPL:21.1%;GLD:23.1%;TLT:23.1%,US:74.5;EU:8.1;APAC:8.3;EM:6.0;Other:3.1,Value:+0.7;Growth:+0.1;Quality:+1.0;Size:+0.3;Momentum:-0.2;LowVol:+0.4,,6,25,4.4,trailing 8%,183,20.3,Bull,13.9,4.11,2.2,114,96,96,32,true,Hedge,Buy index puts 1% notional,35,11,BrokerC,LMT,93,RegimeShift,Hedge,Volatility spike and breadth deterioration,75,0,163,5,false,Tighten stops on momentum names
P2507,Opportunistic,401k,USD,2025-04-05,1242461,54219,1188242,1.0,63.6,13.2,15.6,7.6,MSFT:23.5%;BRK.B:25.4%;IEF:25.5%;MUB:25.5%,US:57.5;EU:18.0;APAC:12.7;EM:8.4;Other:3.4,Value:+0.1;Growth:-0.2;Quality:-0.5;Size:-0.1;Momentum:-0.5;LowVol:-0.4,NoDerivatives,10,30,6.1,trailing 9%,227,27.7,Bear,29.2,3.58,2.8,132,-47,15,76,true,Hedge,Buy index puts 1% notional,-6,-5,BrokerD,MKT,91,RegimeShift,Hedge,Volatility spike and breadth deterioration,15,-25,33,2,false,Increase defensive factor exposure
P2508,Active,IRA,USD,2025-03-15,2366115,233620,2132495,1.13,60.9,22.7,8.0,8.4,VOO:27.1%;VNQ:27.1%;XLF:18.8%;TSLA:27.1%,US:64.1;EU:14.1;APAC:8.0;EM:10.2;Other:3.5,Value:+0.2;Growth:-1.0;Quality:-0.5;Size:+0.8;Momentum:+0.8;LowVol:-0.5,,7,30,5.6,trailing 9%,158,27.3,Sideways,20.5,4.15,3.4,132,37,67,50,false,Sell,Trim extended winner -1%,5,-8,BrokerC,MKT,87,None,None,Normal monitoring,32,-17,100,4,false,Monitor dispersion and breadth
P2509,Systematic,IRA,USD,2025-07-15,1225429,78905,1146524,1.0,62.8,20.4,11.5,5.3,QQQ:13.1%;MSFT:22.2%;BND:22.2%;BRK.B:14.2%;TSLA:20.9%;VNQ:7.4%,US:73.9;EU:9.2;APAC:5.6;EM:6.4;Other:4.9,Value:+0.5;Growth:-1.0;Quality:-0.2;Size:+0.1;Momentum:+0.6;LowVol:+0.2,MaxPos6%,7,30,5.3,trailing 9%,129,21.7,Sideways,16.7,4.91,2.2,124,-6,46,58,false,Sell,Trim extended winner -1%,32,2,BrokerA,MKT,95,None,None,Normal monitoring,46,10,69,3,false,Tighten stops on momentum names
P2510,Active,401k,USD,2025-03-31,1000215,78890,921325,1.17,58.0,22.1,12.3,7.6,HYG:25.0%;VTI:25.0%;XLF:25.0%;BRK.B:25.0%,US:72.8;EU:6.5;APAC:9.7;EM:7.4;Other:3.6,Value:+0.4;Growth:+0.6;Quality:-0.3;Size:+0.2;Momentum:+0.7;LowVol:-0.8,MaxPos7%,10,30,5.6,trailing 9%,183,26.6,Bull,17.0,4.93,3.3,75,53,81,54,false,Sell,Trim extended winner -1%,-2,-13,BrokerA,VWAP,99,None,None,Normal monitoring,64,-12,128,4,false,Tighten stops on momentum names
P2511,Active,IRA,USD,2024-12-23,1034854,122020,912834,1.0,54.3,24.9,11.2,9.6,VOO:19.9%;MUB:23.6%;QQQ:23.6%;TLT:23.6%;VTI:9.4%,US:72.2;EU:9.4;APAC:8.0;EM:8.4;Other:2.1,Value:+0.2;Growth:+0.7;Quality:-1.0;Size:+0.4;Momentum:+0.1;LowVol:-0.6,MaxPos8%,5,30,5.4,trailing 9%,216,27.0,Sideways,18.6,4.23,2.1,100,44,64,50,false,Buy,Add to core equity +1%,34,-40,BrokerB,VWAP,89,None,None,Normal monitoring,97,-39,155,5,false,Monitor dispersion and breadth
P2512,Systematic,IRA,USD,2024-08-25,906802,42794,864008,1.0,56.6,28.2,5.3,9.8,BRK.B:18.9%;BND:12.6%;AAPL:22.8%;TLT:22.8%;XLF:22.8%,US:76.2;EU:11.1;APAC:6.5;EM:5.6;Other:0.6,Value:+0.3;Growth:+0.2;Quality:+0.8;Size:+0.2;Momentum:+0.9;LowVol:-0.8,,7,35,5.6,hard 12%,187,20.3,Bull,15.1,4.75,2.7,78,113,100,40,false,Rebalance,Shift +1% to bonds from equity,7,10,BrokerA,LMT,96,None,None,Normal monitoring,93,9,225,4,false,Tax-aware sells next window
P2513,Cautious,Roth,USD,2024-10-06,157004,15084,141920,1.0,47.2,37.5,0.0,15.3,BRK.B:10.1%;TLT:11.1%;VTI:19.8%;QQQ:23.8%;HYG:23.8%;MUB:11.3%,US:61.4;EU:17.9;APAC:12.8;EM:5.1;Other:2.9,Value:+0.5;Growth:+0.6;Quality:+0.7;Size:-0.7;Momentum:+0.6;LowVol:-1.0,ESGOnly;NoDerivatives;NoMargin,8,25,3.4,trailing 8%,163,18.3,Bull,16.4,4.66,2.5,109,31,73,43,true,Rebalance,Rebalance back to target bands,14,1,BrokerA,MKT,91,Drift>tolerance,Hedge,Allocation drift beyond policy bands,39,-23,174,3,false,Within IPS guidelines
P2514,Cautious,Taxable,USD,2025-04-11,312611,47166,265445,1.0,48.2,34.8,0.0,17.0,IEF:24.3%;HYG:24.3%;TSLA:24.3%;AAPL:13.9%;QQQ:13.2%,US:70.5;EU:17.5;APAC:4.7;EM:3.9;Other:3.3,Value:-0.1;Growth:-0.4;Quality:-0.5;Size:-0.5;Momentum:+0.7;LowVol:+0.8,ESGOnly;NoDerivatives;NoMargin,8,35,5.3,hard 10%,103,19.3,Bull,17.4,3.97,3.3,96,84,88,52,false,Rebalance,Shift +1% to bonds from equity,21,-4,BrokerC,LMT,95,None,None,Normal monitoring,111,0,164,4,false,Within IPS guidelines
P2515,Systematic,Trust,USD,2025-04-09,1847544,99276,1748268,1.0,57.2,27.9,8.8,6.1,MUB:33.3%;IEF:33.3%;BND:33.3%,US:66.4;EU:8.9;APAC:15.4;EM:7.7;Other:1.5,Value:-0.0;Growth:+0.9;Quality:-0.6;Size:-0.6;Momentum:+1.0;LowVol:-0.3,NoDerivatives,7,35,5.4,trailing 9%,170,26.6,Bull,12.6,4.06,2.3,114,90,100,32,false,Rebalance,Shift +1% to bonds from equity,17,-31,BrokerD,MKT,100,None,None,Normal monitoring,96,-22,192,5,false,Tax-aware sells next window
P2516,Systematic,401k,USD,2025-03-25,1331925,74430,1257495,1.0,59.8,29.5,3.5,7.2,AAPL:33.3%;BND:33.3%;HYG:33.3%,US:71.3;EU:10.5;APAC:5.8;EM:11.6;Other:0.7,Value:-0.7;Growth:-0.0;Quality:-0.0;Size:-0.6;Momentum:-0.9;LowVol:+0.4,NoDerivatives,5,25,4.4,hard 12%,132,26.2,Bear,22.1,3.03,2.9,140,-46,16,59,false,Sell,Trim extended winner -1%,9,-27,BrokerB,MKT,100,None,None,Normal monitoring,-57,-21,-25,4,false,Within IPS guidelines
P2517,Cautious,Trust,USD,2025-04-10,508660,54496,454164,1.0,50.1,37.3,0.0,12.6,VOO:33.3%;AMZN:33.3%;BRK.B:33.3%,US:64.0;EU:17.2;APAC:8.2;EM:5.4;Other:5.2,Value:+0.7;Growth:0.0;Quality:-0.6;Size:+0.3;Momentum:-0.3;LowVol:-0.5,ESGOnly;NoMargin,5,35,5.0,trailing 8%,133,17.7,Sideways,20.6,3.85,2.6,91,25,66,58,false,Rebalance,Shift +1% to bonds from equity,-11,-33,BrokerB,MKT,90,None,None,Normal monitoring,53,-18,141,4,false,Tax-aware sells next window
P2518,Opportunistic,Taxable,USD,2025-03-27,762510,62770,699740,1.06,65.8,11.7,15.5,7.0,MUB:25.2%;QQQ:25.2%;BRK.B:24.4%;TSLA:25.2%,US:65.8;EU:10.9;APAC:15.1;EM:4.3;Other:3.9,Value:-0.9;Growth:-0.1;Quality:+0.4;Size:+0.2;Momentum:+0.3;LowVol:+0.1,NoDerivatives,7,35,6.3,hard 12%,198,21.7,Bull,11.6,3.72,2.9,88,46,78,39,false,Sell,Trim extended winner -1%,-15,-34,BrokerD,MKT,99,None,None,Normal monitoring,33,3,116,3,false,Tighten stops on momentum names
P2519,Active,IRA,USD,2025-02-12,1057259,99091,958168,1.0,51.6,28.7,11.2,8.4,AAPL:20.6%;GLD:18.5%;VNQ:15.8%;IEF:21.0%;MSFT:12.4%;MUB:11.8%,US:68.2;EU:16.7;APAC:8.2;EM:4.2;Other:2.7,Value:-0.5;Growth:+0.7;Quality:+0.1;Size:-0.2;Momentum:-0.8;LowVol:-0.3,NoDerivatives,10,35,5.5,trailing 9%,179,24.8,Sideways,19.1,4.07,2.1,135,15,55,44,false,NoAction,Within bands; monitor,29,-34,BrokerB,VWAP,98,None,None,Normal monitoring,10,-20,-21,3,false,Tighten stops on momentum names
P2520,Active,IRA,USD,2024-07-09,1846200,189650,1656550,1.22,53.6,26.3,14.7,5.4,AMZN:27.1%;MUB:21.9%;XLF:26.5%;TLT:24.6%,US:66.4;EU:12.7;APAC:11.9;EM:8.7;Other:0.3,Value:-0.0;Growth:+0.3;Quality:-0.8;Size:-0.2;Momentum:+0.3;LowVol:+0.7,,5,35,5.0,trailing 9%,133,23.3,Volatile,25.8,4.95,2.9,140,-41,14,66,false,Rebalance,Shift +1% to bonds from equity,-6,-16,BrokerB,MKT,90,None,None,Normal monitoring,106,-30,115,3,false,Tax-aware sells next window
P2521,Systematic,Roth,USD,2025-11-25,1207560,67359,1140201,1.0,58.9,31.1,4.2,5.8,XLF:19.1%;TLT:19.6%;MSFT:12.6%;AMZN:10.3%;TSLA:15.9%;QQQ:22.6%,US:74.3;EU:8.3;APAC:7.7;EM:9.5;Other:0.2,Value:-0.4;Growth:+0.5;Quality:+0.4;Size:+0.5;Momentum:-0.3;LowVol:-0.4,,10,30,4.9,trailing 8%,192,24.5,Sideways,21.3,4.54,2.4,129,2,52,59,false,Rebalance,Shift +1% to bonds from equity,-1,-11,BrokerD,MKT,86,None,None,Normal monitoring,-14,-51,-28,3,false,Within IPS guidelines
P2522,Hands-off,IRA,USD,2025-06-22,217285,17605,199680,1.0,66.8,19.6,6.9,6.7,VTI:17.7%;IEF:21.4%;AMZN:10.6%;MUB:11.0%;VOO:20.6%;AAPL:18.5%,US:71.3;EU:10.9;APAC:10.1;EM:6.9;Other:0.9,Value:0.0;Growth:-0.9;Quality:-0.7;Size:-0.2;Momentum:-0.9;LowVol:-0.2,ESGOnly;MaxPos5%,5,25,4.0,trailing 8%,105,19.0,Bull,13.5,4.03,3.1,82,58,76,53,false,NoAction,Within bands; monitor,8,12,BrokerA,MKT,0,None,None,Normal monitoring,58,-35,117,3,false,Monitor dispersion and breadth
P2523,Active,401k,USD,2025-06-03,620982,43825,577157,1.0,65.6,27.5,0.0,6.9,TLT:21.6%;BRK.B:23.1%;AMZN:23.1%;MSFT:23.1%;HYG:9.1%,US:65.9;EU:11.7;APAC:16.6;EM:3.8;Other:2.0,Value:-0.6;Growth:-0.8;Quality:-0.4;Size:-0.6;Momentum:+0.5;LowVol:-1.0,,10,35,5.7,hard 12%,122,19.5,Volatile,21.8,5.12,3.3,158,-44,38,63,false,NoAction,Within bands; monitor,-10,-15,BrokerA,VWAP,85,None,None,Normal monitoring,104,-11,118,4,false,Tighten stops on momentum names
P2524,Opportunistic,Taxable,USD,2024-12-02,1519981,126682,1393299,1.0,68.4,16.7,9.5,5.4,VTI:33.9%;VNQ:33.9%;GLD:32.2%,US:76.2;EU:7.4;APAC:8.6;EM:4.4;Other:3.3,Value:-0.1;Growth:+0.9;Quality:-0.1;Size:+0.5;Momentum:+0.6;LowVol:+1.0,NoDerivatives,5,25,4.8,hard 12%,256,35.0,Sideways,21.7,4.29,2.1,122,42,73,63,false,Rebalance,Shift +1% to bonds from equity,-7,-38,BrokerB,MKT,99,None,None,Normal monitoring,39,16,176,4,false,Tighten stops on momentum names
P2525,Cautious,401k,USD,2025-01-08,442158,40107,402051,1.0,51.4,30.6,1.6,16.3,HYG:21.6%;BRK.B:21.6%;VOO:19.4%;MSFT:15.7%;VNQ:21.6%,US:74.2;EU:7.3;APAC:11.2;EM:7.0;Other:0.3,Value:-0.7;Growth:+0.5;Quality:+0.8;Size:+0.2;Momentum:+0.6;LowVol:-0.5,NoMargin,10,25,3.3,trailing 8%,133,18.2,Bull,12.1,3.58,2.4,97,110,99,42,true,Hedge,Buy index puts 1% notional,21,-13,BrokerA,LMT,95,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-60,18,-59,5,false,Tax-aware sells next window
P2526,Opportunistic,Trust,USD,2024-12-11,1657652,73894,1583758,1.0,69.0,12.5,14.0,4.5,MSFT:15.8%;TLT:11.8%;TSLA:15.4%;BND:17.4%;HYG:20.5%;AMZN:19.2%,US:61.5;EU:15.1;APAC:11.0;EM:10.4;Other:2.0,Value:+0.7;Growth:+0.2;Quality:-0.7;Size:+0.1;Momentum:-0.6;LowVol:+0.3,MaxPos7%,10,30,5.3,trailing 7%,238,31.9,Volatile,25.3,3.61,2.6,122,62,87,75,true,Hedge,Buy index puts 1% notional,12,-8,BrokerA,MKT,92,Drift>tolerance,Reduce,Allocation drift beyond policy bands,14,6,149,5,false,Within IPS guidelines
P2527,Opportunistic,Roth,USD,2024-11-03,641349,49640,591709,1.1,65.8,15.4,11.4,7.5,HYG:33.3%;AAPL:33.3%;MSFT:33.3%,US:66.3;EU:12.0;APAC:8.8;EM:9.7;Other:3.2,Value:+0.3;Growth:+0.3;Quality:+0.3;Size:+0.7;Momentum:-0.3;LowVol:-0.4,,5,30,4.4,trailing 9%,194,28.1,Bull,11.1,4.7,3.4,115,51,82,34,false,Buy,Add to core equity +1%,-15,13,BrokerC,MKT,92,None,None,Normal monitoring,115,-38,191,4,false,Within IPS guidelines
P2528,Active,401k,USD,2025-02-03,1664059,153118,1510941,1.06,61.8,31.3,0.4,6.6,AAPL:33.3%;QQQ:33.3%;IEF:33.3%,US:61.3;EU:16.6;APAC:12.7;EM:7.6;Other:1.9,Value:+0.4;Growth:+0.8;Quality:+0.1;Size:-0.7;Momentum:-0.5;LowVol:+0.8,MaxPos7%;NoDerivatives,7,35,4.6,trailing 8%,224,25.5,Volatile,25.5,3.92,3.5,112,16,71,58,false,Buy,Add to core equity +1%,15,-13,BrokerC,LMT,88,None,None,Normal monitoring,21,-12,10,5,false,Within IPS guidelines
P2529,Cautious,IRA,USD,2025-08-09,415823,35807,380016,1.0,42.5,39.0,2.7,15.8,AMZN:25.8%;VNQ:10.3%;TSLA:25.8%;HYG:20.5%;BRK.B:17.7%,US:64.9;EU:13.3;APAC:8.2;EM:9.4;Other:4.2,Value:+0.8;Growth:+0.5;Quality:+0.8;Size:-0.6;Momentum:+0.7;LowVol:+0.1,ESGOnly;MaxPos6%;NoMargin,8,35,5.7,trailing 10%,139,14.5,Volatile,23.3,3.88,2.2,112,-30,35,59,true,Reduce,"Cut high-beta by 2-3%, add cash",-15,2,BrokerC,MKT,92,Drift>tolerance,Reduce,Allocation drift beyond policy bands,30,-4,75,3,false,Increase defensive factor exposure
P2530,Cautious,Roth,USD,2025-06-04,579786,69142,510644,1.0,44.5,31.8,8.6,15.1,TLT:26.5%;VTI:20.4%;BRK.B:26.5%;VOO:26.5%,US:66.3;EU:10.5;APAC:11.4;EM:11.1;Other:0.7,Value:+0.7;Growth:+0.2;Quality:-0.8;Size:+0.9;Momentum:-0.2;LowVol:-0.4,MaxPos5%;NoMargin,8,25,5.2,hard 10%,110,12.5,Bear,22.9,3.72,2.0,150,-12,52,43,false,Buy,Add to core equity +1%,2,-39,BrokerB,MKT,91,None,None,Normal monitoring,105,7,157,3,false,Tighten stops on momentum names
P2531,Cautious,Taxable,USD,2025-11-29,664058,100413,563645,1.0,47.8,38.4,0.0,13.8,VTI:24.7%;TLT:25.1%;BND:25.1%;AAPL:25.1%,US:67.9;EU:16.2;APAC:7.7;EM:4.3;Other:3.8,Value:+0.8;Growth:+0.7;Quality:0.0;Size:+0.6;Momentum:-0.2;LowVol:-0.2,MaxPos7%;NoMargin,5,30,6.0,trailing 8%,125,16.0,Bull,13.9,4.28,2.7,77,96,92,35,false,Sell,Trim extended winner -1%,16,-40,BrokerD,MKT,92,None,None,Normal monitoring,53,1,94,3,false,Monitor dispersion and breadth
P2532,Hands-off,401k,USD,2024-09-27,587287,55513,531774,1.0,72.0,17.1,5.8,5.0,QQQ:26.0%;BRK.B:26.0%;AAPL:26.0%;BND:22.0%,US:63.5;EU:16.1;APAC:11.5;EM:8.6;Other:0.3,Value:-0.7;Growth:-0.2;Quality:-0.6;Size:-0.3;Momentum:-0.7;LowVol:+0.3,NoDerivatives,10,30,4.7,hard 10%,128,12.4,Bear,23.8,4.42,1.4,138,-111,5,80,true,Hedge,Buy index puts 1% notional,16,-19,BrokerC,LMT,93,Drift>tolerance,Reduce,Allocation drift beyond policy bands,52,13,19,2,false,Monitor dispersion and breadth
P2533,Active,Trust,USD,2025-08-27,721888,65904,655984,1.0,67.0,25.4,0.7,7.0,BRK.B:23.1%;VNQ:20.8%;MUB:23.1%;AMZN:23.1%;QQQ:9.9%,US:71.8;EU:10.3;APAC:12.3;EM:4.6;Other:0.9,Value:-0.1;Growth:+0.3;Quality:+0.9;Size:-0.4;Momentum:+0.4;LowVol:-1.0,,8,25,4.9,trailing 9%,161,17.2,Sideways,21.3,3.52,2.7,118,56,76,63,false,NoAction,Within bands; monitor,3,-15,BrokerB,MKT,0,None,None,Normal monitoring,-6,-6,14,4,false,Monitor dispersion and breadth
P2534,Cautious,IRA,USD,2025-06-12,735456,103751,631705,1.0,43.6,40.0,1.1,15.3,BRK.B:19.8%;TLT:19.7%;QQQ:19.5%;IEF:19.4%;MSFT:9.0%;BND:12.6%,US:62.4;EU:16.7;APAC:8.5;EM:9.9;Other:2.5,Value:+0.4;Growth:+0.3;Quality:+0.5;Size:-0.2;Momentum:-0.7;LowVol:-0.6,ESGOnly;NoMargin,10,35,5.0,trailing 8%,97,17.2,Sideways,20.3,4.24,2.9,129,32,63,44,false,Rebalance,Shift +1% to bonds from equity,-3,-29,BrokerA,LMT,89,None,None,Normal monitoring,-41,-43,51,4,false,Increase defensive factor exposure
P2535,Active,Taxable,USD,2024-11-01,959984,99097,860887,1.0,60.2,31.1,0.0,8.7,AAPL:22.2%;IEF:22.2%;MUB:22.2%;TLT:16.2%;VOO:17.1%,US:66.5;EU:15.1;APAC:13.0;EM:5.4;Other:0.1,Value:-0.3;Growth:+0.5;Quality:-0.4;Size:+0.1;Momentum:+0.1;LowVol:+0.4,MaxPos8%;NoDerivatives,8,25,4.2,hard 12%,222,17.7,Volatile,28.4,5.16,2.3,130,-7,60,71,true,Reduce,"Cut high-beta by 2-3%, add cash",4,0,BrokerB,LMT,99,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-39,-58,92,5,false,Within IPS guidelines
P2536,Hands-off,401k,USD,2025-04-02,464772,39898,424874,1.0,61.7,27.0,3.3,8.0,MSFT:26.8%;QQQ:26.8%;AAPL:19.7%;VNQ:26.8%,US:62.5;EU:11.5;APAC:12.5;EM:11.1;Other:2.5,Value:-0.0;Growth:-0.4;Quality:+0.6;Size:-0.1;Momentum:-0.1;LowVol:+0.5,NoDerivatives,10,30,4.1,trailing 8%,102,14.7,Volatile,20.7,4.27,3.1,117,65,97,52,false,Rebalance,Shift +1% to bonds from equity,17,-14,BrokerC,MKT,86,None,None,Normal monitoring,57,10,179,4,false,Within IPS guidelines
P2537,Active,Roth,USD,2025-12-22,890352,67295,823057,1.0,62.1,19.4,12.9,5.5,TLT:15.7%;BND:21.1%;VOO:10.3%;VTI:18.9%;MUB:20.3%;TSLA:13.8%,US:65.6;EU:17.8;APAC:11.8;EM:2.9;Other:1.9,Value:+0.7;Growth:-0.0;Quality:-0.9;Size:+0.4;Momentum:-0.4;LowVol:-0.7,,8,30,4.1,hard 12%,167,16.1,Bear,23.3,4.2,2.2,194,-112,5,61,false,Rebalance,Shift +1% to bonds from equity,15,0,BrokerA,MKT,99,None,None,Normal monitoring,66,-53,121,4,false,Monitor dispersion and breadth
P2538,Hands-off,Taxable,USD,2025-06-10,796005,73646,722359,1.0,68.8,25.9,0.0,5.3,HYG:15.9%;TSLA:15.6%;XLF:16.1%;MSFT:18.4%;VNQ:16.6%;AMZN:17.4%,US:64.6;EU:11.1;APAC:10.9;EM:13.2;Other:0.2,Value:-0.7;Growth:+0.9;Quality:+0.6;Size:-0.8;Momentum:+1.0;LowVol:+0.8,ESGOnly,10,25,3.3,trailing 10%,135,13.6,Bull,17.1,3.92,2.4,112,61,86,53,false,Rebalance,Shift +1% to bonds from equity,4,-13,BrokerB,MKT,91,None,None,Normal monitoring,-8,8,-5,3,false,Tighten stops on momentum names
P2539,Systematic,Roth,USD,2024-12-18,674634,28551,646083,1.0,55.9,29.4,9.6,5.1,VOO:17.1%;MSFT:21.6%;MUB:21.6%;VNQ:21.6%;BND:18.0%,US:67.9;EU:12.4;APAC:11.0;EM:8.1;Other:0.6,Value:-0.6;Growth:-0.7;Quality:+0.7;Size:-0.9;Momentum:-0.6;LowVol:+0.6,MaxPos8%,8,25,5.5,hard 12%,144,21.5,Volatile,29.3,4.2,2.9,171,-2,59,73,true,Hedge,Buy index puts 1% notional,-3,-14,BrokerD,MKT,85,VAR>budget,Reduce,Risk above budget threshold,85,-37,179,2,false,Within IPS guidelines
P2540,Cautious,IRA,USD,2025-08-22,319620,29140,290480,1.0,37.7,43.7,1.9,16.6,AAPL:25.0%;AMZN:10.5%;TLT:22.4%;HYG:17.0%;VNQ:25.0%,US:72.5;EU:6.9;APAC:11.2;EM:8.5;Other:0.9,Value:+0.9;Growth:+0.1;Quality:+0.7;Size:-0.1;Momentum:+0.7;LowVol:-0.3,NoMargin,7,30,4.2,hard 10%,132,15.3,Bear,22.2,3.68,1.9,188,-49,16,38,false,Sell,Trim extended winner -1%,13,-18,BrokerC,MKT,88,None,None,Normal monitoring,59,-58,98,4,false,Monitor dispersion and breadth
P2541,Active,Roth,USD,2025-10-16,1467884,142735,1325149,1.0,59.1,30.6,2.7,7.6,AMZN:7.0%;AAPL:22.4%;TLT:22.4%;HYG:18.6%;TSLA:12.6%;QQQ:16.9%,US:61.6;EU:14.9;APAC:11.5;EM:9.5;Other:2.5,Value:-0.8;Growth:+0.9;Quality:+0.6;Size:+0.6;Momentum:-0.3;LowVol:-0.9,,10,25,5.5,hard 12%,213,21.8,Bull,17.5,4.28,2.0,106,28,49,42,false,NoAction,Within bands; monitor,12,7,BrokerB,MKT,0,None,None,Normal monitoring,2,-41,23,5,false,Tighten stops on momentum names
P2542,Cautious,401k,USD,2025-08-13,580343,64014,516329,1.0,51.8,34.5,0.0,13.7,VOO:22.3%;AAPL:19.2%;MUB:29.2%;MSFT:29.2%,US:68.0;EU:7.7;APAC:10.0;EM:8.3;Other:5.9,Value:-0.3;Growth:-0.0;Quality:-0.4;Size:+0.4;Momentum:-0.7;LowVol:+0.5,ESGOnly;NoDerivatives;NoMargin,10,25,4.3,hard 10%,102,13.9,Volatile,28.0,4.17,2.1,156,-19,43,70,false,Rebalance,Shift +1% to bonds from equity,-3,-38,BrokerA,LMT,93,None,None,Normal monitoring,55,-20,126,5,false,Increase defensive factor exposure
P2543,Opportunistic,Trust,USD,2025-05-02,1550234,55839,1494395,1.0,65.5,15.3,14.9,4.3,AMZN:25.5%;VNQ:25.5%;HYG:23.5%;VOO:25.5%,US:71.8;EU:6.9;APAC:8.6;EM:11.8;Other:1.0,Value:-0.6;Growth:+0.8;Quality:-0.1;Size:-0.8;Momentum:-0.0;LowVol:-0.6,,8,35,5.8,trailing 7%,253,34.6,Bull,16.6,4.37,2.5,107,95,100,61,false,Hedge,Add TLT +1% as duration hedge,11,4,BrokerB,MKT,87,None,None,Normal monitoring,51,-8,70,4,false,Tax-aware sells next window
P2544,Active,IRA,USD,2024-07-10,1650246,140945,1509301,1.0,53.6,21.6,16.4,8.4,MUB:33.3%;BND:33.3%;GLD:33.3%,US:64.9;EU:17.4;APAC:6.4;EM:10.4;Other:0.9,Value:+0.2;Growth:-0.1;Quality:-0.4;Size:+0.8;Momentum:-0.5;LowVol:+0.5,MaxPos6%,8,35,5.0,trailing 9%,206,20.6,Bull,14.5,4.42,3.4,108,58,80,38,true,Hedge,Buy index puts 1% notional,20,-32,BrokerC,MKT,87,RegimeShift,Hedge,Volatility spike and breadth deterioration,-37,-37,-25,3,true,Increase defensive factor exposure
P2545,Cautious,IRA,USD,2024-07-12,579607,71937,507670,1.0,36.4,38.4,12.1,13.2,AAPL:33.3%;MUB:33.3%;TSLA:33.3%,US:65.9;EU:14.6;APAC:6.8;EM:8.8;Other:3.9,Value:+0.3;Growth:-0.4;Quality:+0.7;Size:+0.4;Momentum:-0.8;LowVol:-0.8,ESGOnly;MaxPos5%;NoMargin,10,25,4.6,trailing 8%,112,12.9,Sideways,14.3,3.63,2.3,128,28,56,30,false,Buy,Add to core equity +1%,10,-17,BrokerC,MKT,100,None,None,Normal monitoring,23,-33,107,4,false,Monitor dispersion and breadth
P2546,Hands-off,IRA,USD,2025-05-20,592612,50383,542229,1.0,63.5,28.2,0.5,7.9,QQQ:25.6%;AMZN:15.8%;VNQ:25.6%;IEF:14.6%;AAPL:18.5%,US:71.0;EU:11.8;APAC:9.8;EM:7.2;Other:0.2,Value:-0.7;Growth:-0.3;Quality:-0.7;Size:+0.8;Momentum:-0.1;LowVol:-0.9,MaxPos6%;NoDerivatives,10,35,3.7,trailing 10%,105,15.0,Volatile,25.6,4.46,3.1,169,11,54,78,true,Hedge,Buy index puts 1% notional,16,-2,BrokerA,LMT,100,RegimeShift,Hedge,Volatility spike and breadth deterioration,97,-29,219,4,false,Increase defensive factor exposure
P2547,Hands-off,Trust,USD,2025-04-13,305332,17707,287625,1.0,67.4,26.0,0.0,6.5,HYG:21.7%;MSFT:16.8%;XLF:11.8%;VOO:11.4%;BRK.B:16.6%;TSLA:21.7%,US:66.7;EU:17.0;APAC:11.7;EM:3.8;Other:0.7,Value:-0.4;Growth:+0.9;Quality:+0.6;Size:+0.6;Momentum:+0.6;LowVol:-0.8,ESGOnly;NoDerivatives,7,30,4.4,trailing 10%,132,18.5,Sideways,15.9,4.28,2.6,119,-26,52,59,false,Sell,Trim extended winner -1%,4,-23,BrokerC,LMT,100,None,None,Normal monitoring,79,-29,136,4,false,Increase defensive factor exposure
P2548,Hands-off,IRA,USD,2024-12-05,528391,42693,485698,1.0,58.5,26.2,8.1,7.1,XLF:13.7%;BRK.B:21.8%;TLT:16.7%;VTI:21.8%;HYG:11.9%;QQQ:14.1%,US:69.1;EU:11.6;APAC:8.7;EM:9.2;Other:1.3,Value:+0.1;Growth:-0.8;Quality:0.0;Size:-0.7;Momentum:-0.5;LowVol:-0.3,ESGOnly;MaxPos5%,6,35,5.7,trailing 10%,150,19.1,Volatile,20.7,3.7,2.0,123,-14,51,61,false,Rebalance,Shift +1% to bonds from equity,15,9,BrokerB,LMT,94,None,None,Normal monitoring,18,2,57,4,false,Tax-aware sells next window
P2549,Systematic,401k,USD,2025-01-12,687713,30647,657066,1.0,60.7,30.1,1.5,7.8,BND:33.3%;AMZN:33.3%;VTI:33.3%,US:70.1;EU:7.4;APAC:15.5;EM:5.2;Other:1.7,Value:+0.4;Growth:+0.5;Quality:+0.8;Size:+0.8;Momentum:-0.3;LowVol:-0.6,MaxPos6%,6,30,4.1,trailing 8%,144,19.1,Bull,14.0,4.1,3.4,70,81,93,35,false,Hedge,Add TLT +1% as duration hedge,-10,-24,BrokerA,MKT,87,None,None,Normal monitoring,95,1,179,5,false,Tax-aware sells next window
P2550,Active,Roth,USD,2025-04-14,2171974,217980,1953994,1.0,59.2,32.0,1.3,7.6,BND:21.5%;AAPL:21.5%;BRK.B:8.1%;GLD:19.7%;HYG:15.0%;VNQ:14.2%,US:67.4;EU:11.0;APAC:8.5;EM:8.6;Other:4.6,Value:+0.7;Growth:-0.7;Quality:+0.3;Size:-0.1;Momentum:-0.6;LowVol:0.0,MaxPos5%;NoDerivatives,10,30,5.0,trailing 9%,134,23.4,Volatile,24.5,4.59,2.8,150,-5,62,71,true,Reduce,"Cut high-beta by 2-3%, add cash",-11,12,BrokerD,MKT,99,VAR>budget,Reduce,Risk above budget threshold,56,-8,45,2,false,Increase defensive factor exposure
P2551,Active,Roth,USD,2024-09-05,1814792,185098,1629694,1.0,57.2,22.0,11.9,8.8,VNQ:33.3%;GLD:33.3%;MUB:33.3%,US:61.8;EU:12.5;APAC:12.1;EM:8.7;Other:4.9,Value:+1.0;Growth:-1.0;Quality:-0.3;Size:-0.4;Momentum:-0.9;LowVol:-1.0,,8,30,5.1,hard 12%,212,16.5,Sideways,18.5,4.71,2.7,90,22,47,58,true,Rebalance,Rebalance back to target bands,-15,-30,BrokerD,MKT,92,Drift>tolerance,Reduce,Allocation drift beyond policy bands,109,18,216,5,false,Within IPS guidelines
P2552,Opportunistic,Taxable,USD,2024-12-15,1704770,151144,1553626,1.19,64.6,12.0,18.1,5.3,QQQ:33.3%;TLT:33.3%;VTI:33.3%,US:67.4;EU:20.2;APAC:6.7;EM:4.3;Other:1.3,Value:-0.1;Growth:-0.3;Quality:+0.1;Size:-1.0;Momentum:-0.3;LowVol:-0.6,,6,30,5.4,trailing 7%,279,32.1,Bull,13.6,4.45,3.1,78,59,82,44,false,Rebalance,Shift +1% to bonds from equity,30,-38,BrokerC,MKT,95,None,None,Normal monitoring,-50,-55,-36,4,false,Within IPS guidelines
P2553,Opportunistic,Taxable,USD,2025-08-06,355264,31061,324203,1.0,67.1,15.3,11.8,5.8,HYG:26.1%;GLD:26.1%;IEF:26.1%;VOO:21.7%,US:69.1;EU:15.1;APAC:8.8;EM:3.4;Other:3.7,Value:-0.4;Growth:-0.8;Quality:0.0;Size:-0.9;Momentum:+0.4;LowVol:-0.4,NoDerivatives,5,35,5.6,trailing 9%,221,23.0,Bear,33.2,4.24,2.6,210,-108,11,86,true,Reduce,"Cut high-beta by 2-3%, add cash",14,-32,BrokerC,MKT,90,VAR>budget,Hedge,Risk above budget threshold,-45,-34,93,4,false,Increase defensive factor exposure
P2554,Active,Roth,USD,2025-11-13,1125809,118677,1007132,1.0,62.1,23.2,9.5,5.3,BRK.B:24.2%;TSLA:21.0%;XLF:27.4%;MUB:27.4%,US:70.1;EU:12.6;APAC:8.1;EM:5.0;Other:4.1,Value:+0.2;Growth:+0.3;Quality:+0.8;Size:+0.1;Momentum:-0.4;LowVol:+0.8,,8,30,5.4,hard 12%,207,24.6,Bull,11.6,3.58,3.3,112,0,54,38,false,Rebalance,Shift +1% to bonds from equity,9,0,BrokerC,VWAP,97,None,None,Normal monitoring,66,-42,61,3,false,Increase defensive factor exposure
P2555,Active,Roth,USD,2024-10-16,840257,75629,764628,1.0,67.9,26.5,0.0,5.6,VTI:14.6%;IEF:28.5%;VNQ:28.5%;AAPL:28.5%,US:58.1;EU:10.8;APAC:15.4;EM:10.8;Other:4.9,Value:-0.4;Growth:+0.3;Quality:+0.3;Size:-0.7;Momentum:+0.9;LowVol:+0.6,NoDerivatives,6,35,5.1,trailing 9%,142,24.5,Sideways,20.4,4.09,3.3,123,48,82,59,true,Hedge,Buy index puts 1% notional,-10,-35,BrokerA,LMT,96,VAR>budget,Hedge,Risk above budget threshold,67,-36,165,2,false,Tax-aware sells next window
P2556,Systematic,Roth,USD,2024-07-18,1067182,100346,966836,1.0,64.5,21.5,6.5,7.6,TSLA:23.3%;AAPL:20.9%;QQQ:23.3%;BND:23.3%;VTI:9.0%,US:66.6;EU:12.9;APAC:12.2;EM:4.2;Other:4.1,Value:+0.8;Growth:-0.2;Quality:-0.9;Size:-0.7;Momentum:-0.8;LowVol:+0.8,MaxPos6%,8,30,5.2,trailing 8%,160,20.1,Volatile,24.5,4.71,3.9,118,20,53,74,true,Rebalance,Rebalance back to target bands,29,-30,BrokerA,MKT,85,VAR>budget,Reduce,Risk above budget threshold,17,-53,8,4,false,Within IPS guidelines
P2557,Opportunistic,Trust,USD,2024-10-15,917663,68802,848861,1.0,61.6,17.1,13.7,7.5,AMZN:31.4%;TSLA:34.3%;AAPL:34.3%,US:65.4;EU:9.7;APAC:15.9;EM:5.9;Other:3.1,Value:+0.5;Growth:-0.3;Quality:-0.9;Size:0.0;Momentum:+0.7;LowVol:+0.7,NoDerivatives,7,25,5.9,trailing 9%,210,33.4,Sideways,18.9,4.61,2.8,134,42,64,56,false,Hedge,Add TLT +1% as duration hedge,35,-17,BrokerB,MKT,91,None,None,Normal monitoring,28,-2,86,3,false,Within IPS guidelines
P2558,Systematic,Trust,USD,2025-02-10,1983767,173048,1810719,1.0,60.4,23.5,9.2,7.0,BND:20.1%;VOO:20.9%;MUB:20.9%;VNQ:9.2%;QQQ:19.3%;VTI:9.6%,US:66.9;EU:14.2;APAC:8.1;EM:7.6;Other:3.2,Value:+0.4;Growth:-0.9;Quality:-0.8;Size:-0.7;Momentum:+0.6;LowVol:+0.5,MaxPos7%,5,25,4.8,trailing 9%,172,25.4,Bull,17.2,3.65,3.0,119,38,66,42,false,Rebalance,Shift +1% to bonds from equity,9,12,BrokerD,MKT,95,None,None,Normal monitoring,18,-9,22,3,false,Tax-aware sells next window
P2559,Cautious,Taxable,USD,2025-11-24,800940,65441,735499,1.0,48.3,37.6,0.0,14.2,AAPL:9.2%;MSFT:21.4%;TSLA:10.5%;IEF:21.4%;MUB:16.2%;VNQ:21.4%,US:59.7;EU:18.3;APAC:8.1;EM:10.1;Other:3.8,Value:-0.5;Growth:+0.3;Quality:+0.7;Size:+0.4;Momentum:+0.4;LowVol:+0.5,MaxPos7%;NoDerivatives;NoMargin,6,25,5.4,trailing 8%,110,12.2,Bear,26.6,3.84,2.5,180,-21,36,56,false,Buy,Add to core equity +1%,-10,-25,BrokerD,LMT,86,None,None,Normal monitoring,-47,-41,21,3,false,Tighten stops on momentum names
P2560,Hands-off,Taxable,USD,2024-10-11,500331,39598,460733,1.0,63.7,26.2,2.7,7.3,AAPL:21.8%;HYG:17.4%;XLF:21.8%;BRK.B:18.2%;TSLA:20.7%,US:59.5;EU:11.8;APAC:16.2;EM:12.0;Other:0.5,Value:+0.1;Growth:+0.3;Quality:-0.9;Size:+0.3;Momentum:+0.5;LowVol:-0.0,ESGOnly,10,25,4.2,trailing 8%,161,14.1,Sideways,19.4,3.64,2.4,130,9,67,63,false,Sell,Trim extended winner -1%,-1,-17,BrokerD,MKT,100,None,None,Normal monitoring,44,17,28,5,false,Tax-aware sells next window
P2561,Opportunistic,IRA,USD,2025-02-16,1254396,52777,1201619,1.0,66.9,16.9,10.2,6.0,TSLA:19.6%;XLF:12.5%;VOO:8.1%;GLD:21.3%;BND:17.2%;IEF:21.3%,US:65.5;EU:11.8;APAC:8.1;EM:8.9;Other:5.7,Value:+0.2;Growth:+0.6;Quality:-0.7;Size:-0.5;Momentum:+0.7;LowVol:+0.5,NoDerivatives,5,30,6.5,trailing 9%,249,20.5,Bear,30.7,3.72,1.7,197,-19,38,81,true,Reduce,"Cut high-beta by 2-3%, add cash",-15,-32,BrokerD,MKT,92,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-54,-32,82,4,false,Increase defensive factor exposure
P2562,Active,Trust,USD,2025-05-18,1795216,132611,1662605,1.17,63.0,22.5,5.1,9.4,VOO:26.8%;HYG:26.8%;TLT:26.8%;IEF:19.7%,US:66.3;EU:14.3;APAC:9.0;EM:6.2;Other:4.2,Value:-0.1;Growth:-0.4;Quality:-0.4;Size:+0.5;Momentum:-0.9;LowVol:-0.2,,6,25,4.3,trailing 8%,142,18.5,Sideways,16.1,4.38,3.4,114,0,48,46,false,Buy,Add to core equity +1%,21,-4,BrokerC,LMT,97,None,None,Normal monitoring,5,-6,-18,3,false,Tighten stops on momentum names
P2563,Hands-off,Taxable,USD,2024-07-12,719693,66950,652743,1.0,65.7,26.8,0.0,7.4,XLF:33.3%;TSLA:33.3%;TLT:33.3%,US:57.1;EU:20.8;APAC:5.8;EM:11.6;Other:4.7,Value:-0.1;Growth:-1.0;Quality:-0.5;Size:+0.2;Momentum:-0.4;LowVol:-0.6,MaxPos8%,10,35,5.1,trailing 8%,163,15.0,Sideways,20.9,4.75,3.2,93,48,87,52,false,Sell,Trim extended winner -1%,1,9,BrokerB,MKT,89,None,None,Normal monitoring,68,-29,169,4,false,Tighten stops on momentum names
P2564,Hands-off,401k,USD,2025-01-08,334800,29000,305800,1.0,63.8,29.1,0.0,7.0,TSLA:33.3%;IEF:33.3%;QQQ:33.3%,US:60.1;EU:11.8;APAC:14.9;EM:11.2;Other:2.1,Value:+0.8;Growth:-0.4;Quality:-0.6;Size:-0.2;Momentum:+0.8;LowVol:+0.6,NoDerivatives,5,30,5.7,trailing 8%,157,12.9,Sideways,17.9,4.95,3.1,103,17,70,62,false,Rebalance,Shift +1% to bonds from equity,-1,-23,BrokerB,LMT,95,None,None,Normal monitoring,50,1,155,5,false,Increase defensive factor exposure
P2565,Systematic,Trust,USD,2025-12-03,1442166,122871,1319295,1.0,66.2,23.6,4.7,5.4,VTI:26.2%;VOO:26.2%;AAPL:21.4%;QQQ:26.2%,US:73.5;EU:6.3;APAC:10.0;EM:9.7;Other:0.4,Value:-0.9;Growth:-0.6;Quality:-0.8;Size:+0.9;Momentum:-0.4;LowVol:-0.5,MaxPos8%,10,25,4.2,trailing 8%,171,21.0,Bull,14.3,4.58,2.7,89,5,49,57,false,Hedge,Add TLT +1% as duration hedge,-7,-9,BrokerA,MKT,86,None,None,Normal monitoring,-56,13,-86,3,false,Monitor dispersion and breadth
P2566,Hands-off,Roth,USD,2025-10-20,722569,36168,686401,1.0,63.8,28.6,0.0,7.6,MSFT:20.5%;BRK.B:10.4%;AAPL:20.5%;TSLA:16.5%;AMZN:17.8%;IEF:14.2%,US:69.2;EU:12.7;APAC:9.1;EM:9.0;Other:0.1,Value:+0.2;Growth:-0.1;Quality:+0.4;Size:-0.9;Momentum:+1.0;LowVol:-0.5,,10,25,3.7,trailing 10%,155,18.8,Volatile,23.2,5.13,3.3,164,-22,46,67,false,Rebalance,Shift +1% to bonds from equity,11,8,BrokerB,MKT,91,None,None,Normal monitoring,-57,-34,30,5,false,Tighten stops on momentum names
P2567,Systematic,Taxable,USD,2024-07-19,766246,57933,708313,1.0,61.1,32.1,0.0,6.8,AMZN:35.4%;BND:35.4%;VTI:29.2%,US:67.5;EU:10.4;APAC:14.4;EM:4.4;Other:3.3,Value:+0.3;Growth:+0.2;Quality:-0.8;Size:-0.4;Momentum:+0.5;LowVol:+0.6,MaxPos6%,7,25,4.6,trailing 9%,207,19.4,Bull,16.1,3.66,2.1,112,111,97,40,true,Reduce,"Cut high-beta by 2-3%, add cash",26,-14,BrokerA,VWAP,89,Drift>tolerance,Hedge,Allocation drift beyond policy bands,36,-17,17,2,true,Within IPS guidelines
P2568,Cautious,Taxable,USD,2024-09-10,592385,87386,504999,1.0,43.3,40.1,0.0,16.6,IEF:16.5%;GLD:21.7%;XLF:17.3%;BRK.B:23.5%;VOO:11.2%;TLT:9.7%,US:64.1;EU:17.2;APAC:12.7;EM:4.9;Other:1.0,Value:-0.6;Growth:+0.4;Quality:-0.2;Size:-0.5;Momentum:+0.1;LowVol:-0.4,NoMargin,10,25,5.8,trailing 8%,93,19.4,Sideways,18.3,3.7,3.0,114,-19,25,33,false,NoAction,Within bands; monitor,25,12,BrokerB,VWAP,85,None,None,Normal monitoring,83,-37,129,5,false,Within IPS guidelines
P2569,Cautious,IRA,USD,2025-06-04,544445,75299,469146,1.0,47.3,30.2,7.9,14.6,XLF:23.0%;TLT:29.6%;MUB:17.7%;AMZN:29.6%,US:72.6;EU:9.2;APAC:13.0;EM:3.2;Other:2.0,Value:-0.2;Growth:-0.5;Quality:+0.2;Size:-0.5;Momentum:+0.3;LowVol:-0.5,ESGOnly;NoMargin,7,25,5.2,trailing 8%,142,13.3,Volatile,28.1,4.58,3.4,119,-47,15,60,false,Buy,Add to core equity +1%,19,12,BrokerC,MKT,85,None,None,Normal monitoring,115,-15,199,5,false,Within IPS guidelines
P2570,Systematic,401k,USD,2024-10-20,925842,45238,880604,1.0,63.7,21.3,5.5,9.5,IEF:33.3%;QQQ:33.3%;BRK.B:33.3%,US:64.9;EU:17.1;APAC:6.7;EM:10.1;Other:1.2,Value:+0.2;Growth:-0.1;Quality:+0.4;Size:-0.8;Momentum:-0.9;LowVol:+0.3,,10,35,5.4,hard 12%,219,24.6,Bull,15.5,3.5,3.0,110,83,100,51,false,Sell,Trim extended winner -1%,-12,-36,BrokerB,VWAP,91,None,None,Normal monitoring,-14,-13,-34,4,false,Tax-aware sells next window
P2571,Hands-off,Taxable,USD,2025-10-31,347582,21564,326018,1.0,62.0,28.6,0.0,9.3,VOO:24.6%;MUB:24.6%;HYG:24.6%;TLT:18.1%;VTI:8.0%,US:71.5;EU:9.9;APAC:10.7;EM:5.3;Other:2.6,Value:-0.9;Growth:-0.9;Quality:+0.6;Size:+0.6;Momentum:-0.7;LowVol:0.0,NoDerivatives,6,35,3.1,hard 10%,104,17.5,Volatile,23.6,3.79,2.7,126,38,55,55,false,Rebalance,Shift +1% to bonds from equity,2,-15,BrokerB,VWAP,96,None,None,Normal monitoring,-33,-3,-6,4,false,Within IPS guidelines
P2572,Opportunistic,Taxable,USD,2025-06-15,1440210,111373,1328837,1.0,67.9,17.6,7.1,7.4,AAPL:21.2%;BND:6.3%;TSLA:21.2%;VOO:21.1%;BRK.B:16.2%;VTI:14.1%,US:63.5;EU:16.9;APAC:7.8;EM:10.6;Other:1.3,Value:-0.4;Growth:+0.1;Quality:+0.1;Size:+0.5;Momentum:-0.8;LowVol:+0.6,NoDerivatives,5,25,6.8,trailing 9%,197,22.5,Sideways,20.6,4.94,2.2,134,56,73,66,false,Buy,Add to core equity +1%,8,-10,BrokerB,MKT,88,None,None,Normal monitoring,37,14,92,5,false,Within IPS guidelines
P2573,Systematic,Roth,USD,2025-02-25,998611,56630,941981,1.0,61.9,29.5,0.0,8.6,QQQ:20.5%;BND:9.2%;IEF:23.4%;VNQ:23.4%;MUB:23.4%,US:66.7;EU:17.6;APAC:10.9;EM:4.3;Other:0.5,Value:-0.8;Growth:+0.7;Quality:+0.9;Size:-0.6;Momentum:-0.2;LowVol:+0.8,NoDerivatives,7,30,5.7,trailing 9%,218,22.5,Bull,15.1,4.74,2.3,113,66,90,57,false,Rebalance,Shift +1% to bonds from equity,31,-29,BrokerD,VWAP,98,None,None,Normal monitoring,96,-59,154,5,false,Tax-aware sells next window
P2574,Opportunistic,Roth,USD,2025-02-01,1606473,60361,1546112,1.16,73.4,18.8,0.0,7.9,TSLA:23.1%;AMZN:23.1%;BND:15.2%;MSFT:23.1%;VTI:15.4%,US:59.9;EU:8.1;APAC:15.4;EM:11.5;Other:5.1,Value:-0.7;Growth:-0.6;Quality:+0.4;Size:+0.2;Momentum:+0.3;LowVol:+1.0,NoDerivatives,6,30,4.4,trailing 9%,190,30.4,Bull,13.7,4.95,3.4,99,33,77,60,false,Sell,Trim extended winner -1%,-3,-39,BrokerB,MKT,94,None,None,Normal monitoring,45,-40,49,5,false,Within IPS guidelines
P2575,Opportunistic,IRA,USD,2025-04-16,1475356,99563,1375793,1.13,69.2,10.9,12.4,7.5,TLT:9.9%;IEF:14.9%;VOO:21.1%;XLF:21.1%;BRK.B:16.9%;VTI:16.1%,US:68.7;EU:13.3;APAC:10.7;EM:4.0;Other:3.4,Value:-0.9;Growth:+0.7;Quality:+0.1;Size:-0.1;Momentum:+0.6;LowVol:-1.0,,6,25,5.3,trailing 7%,179,29.0,Bull,12.9,4.48,2.1,111,15,71,56,false,Rebalance,Shift +1% to bonds from equity,-5,-1,BrokerD,MKT,97,None,None,Normal monitoring,49,-30,134,4,false,Tighten stops on momentum names
P2576,Active,401k,USD,2025-10-15,2487244,158589,2328655,1.23,65.5,21.7,4.9,7.9,MSFT:24.3%;VOO:22.3%;HYG:26.7%;QQQ:26.7%,US:70.4;EU:5.8;APAC:11.6;EM:11.5;Other:0.8,Value:-0.9;Growth:+0.6;Quality:-0.1;Size:-0.9;Momentum:-0.1;LowVol:-0.2,NoDerivatives,10,30,5.5,trailing 9%,203,27.2,Bear,25.0,4.18,1.9,146,-20,37,63,false,Sell,Trim extended winner -1%,22,-33,BrokerD,MKT,95,None,None,Normal monitoring,116,-11,85,5,false,Monitor dispersion and breadth
P2577,Cautious,Roth,USD,2024-10-07,237485,26308,211177,1.0,43.7,39.8,0.0,16.6,GLD:11.8%;TSLA:22.2%;MUB:22.2%;IEF:18.4%;TLT:12.6%;AAPL:12.8%,US:70.5;EU:12.5;APAC:5.1;EM:10.3;Other:1.6,Value:+0.2;Growth:+0.7;Quality:-0.5;Size:-0.6;Momentum:-0.2;LowVol:-0.4,MaxPos7%;NoMargin,6,25,3.8,trailing 8%,92,17.6,Bull,15.6,4.47,2.9,98,115,95,35,false,Hedge,Add TLT +1% as duration hedge,-4,-27,BrokerD,VWAP,98,None,None,Normal monitoring,62,-14,160,3,false,Tighten stops on momentum names
P2578,Active,Roth,USD,2025-04-17,630078,52698,577380,1.13,52.5,26.0,11.8,9.7,BRK.B:20.9%;TSLA:6.9%;TLT:8.9%;IEF:21.6%;HYG:21.2%;AAPL:20.6%,US:55.3;EU:17.1;APAC:15.3;EM:10.9;Other:1.3,Value:-0.7;Growth:+0.5;Quality:+0.9;Size:+0.4;Momentum:-0.5;LowVol:+0.9,MaxPos6%;NoDerivatives,6,30,5.7,trailing 9%,124,24.4,Sideways,20.4,4.04,3.5,91,43,84,44,true,Reduce,"Cut high-beta by 2-3%, add cash",35,-11,BrokerA,LMT,97,Drift>tolerance,Pause,Allocation drift beyond policy bands,-11,15,49,2,false,Within IPS guidelines
P2579,Opportunistic,Taxable,USD,2024-10-25,831785,45727,786058,1.0,66.6,18.6,9.6,5.3,HYG:22.6%;BRK.B:21.3%;VNQ:10.8%;QQQ:22.6%;GLD:22.6%,US:73.3;EU:13.3;APAC:6.6;EM:6.4;Other:0.4,Value:+0.1;Growth:+0.9;Quality:-0.2;Size:-0.6;Momentum:-0.2;LowVol:+0.7,NoDerivatives,6,35,4.9,trailing 9%,192,23.2,Bull,15.5,3.91,3.3,90,92,92,45,false,NoAction,Within bands; monitor,0,13,BrokerD,LMT,97,None,None,Normal monitoring,-51,-6,-84,5,false,Monitor dispersion and breadth
P2580,Active,Roth,USD,2024-09-17,1457118,170716,1286402,1.0,55.0,25.6,13.1,6.2,GLD:33.3%;MSFT:33.3%;IEF:33.3%,US:67.2;EU:21.1;APAC:5.9;EM:3.5;Other:2.3,Value:-0.2;Growth:+0.1;Quality:-0.6;Size:-0.2;Momentum:0.0;LowVol:-0.4,NoDerivatives,8,30,5.0,trailing 8%,167,23.3,Sideways,21.5,4.41,2.5,95,23,52,61,false,Rebalance,Shift +1% to bonds from equity,11,7,BrokerB,MKT,90,None,None,Normal monitoring,53,-34,27,5,false,Tax-aware sells next window
P2581,Opportunistic,Trust,USD,2025-09-09,452974,18390,434584,1.0,74.1,18.1,0.8,6.9,XLF:33.3%;HYG:33.3%;IEF:33.3%,US:73.5;EU:9.7;APAC:10.5;EM:4.8;Other:1.5,Value:-0.6;Growth:+0.7;Quality:+0.5;Size:-0.2;Momentum:-0.9;LowVol:-0.9,MaxPos6%,6,25,4.7,trailing 9%,184,30.1,Bull,16.0,3.53,2.5,104,49,85,54,true,Rebalance,Rebalance back to target bands,31,5,BrokerD,LMT,95,RegimeShift,Hedge,Volatility spike and breadth deterioration,15,20,8,4,false,Increase defensive factor exposure
P2582,Cautious,401k,USD,2024-10-14,454913,41474,413439,1.0,45.0,39.8,0.0,15.2,MSFT:12.2%;AAPL:22.6%;HYG:20.3%;VOO:11.0%;GLD:22.6%;AMZN:11.3%,US:73.4;EU:8.5;APAC:12.2;EM:3.1;Other:2.8,Value:-0.1;Growth:-0.2;Quality:+0.5;Size:+0.9;Momentum:+0.4;LowVol:-0.8,MaxPos8%;NoDerivatives;NoMargin,5,25,4.5,trailing 8%,157,18.0,Bull,13.5,4.02,3.4,111,82,94,40,false,Buy,Add to core equity +1%,-2,14,BrokerD,LMT,97,None,None,Normal monitoring,-6,-24,77,3,false,Tighten stops on momentum names
P2583,Active,IRA,USD,2025-03-15,1844631,112970,1731661,1.22,51.5,30.2,9.5,8.8,XLF:21.9%;GLD:14.2%;MSFT:24.6%;AAPL:24.6%;TSLA:14.8%,US:71.6;EU:8.6;APAC:8.5;EM:8.0;Other:3.4,Value:+0.8;Growth:-0.3;Quality:-0.3;Size:-0.3;Momentum:-0.2;LowVol:+0.4,MaxPos5%,8,25,6.0,trailing 8%,145,23.2,Volatile,29.6,4.22,3.0,116,-6,37,71,true,Hedge,Buy index puts 1% notional,19,-26,BrokerC,LMT,94,VAR>budget,Hedge,Risk above budget threshold,71,10,112,4,false,Tax-aware sells next window
P2584,Cautious,Taxable,USD,2025-05-05,470227,69096,401131,1.0,39.1,43.2,3.7,14.0,XLF:14.6%;VOO:12.6%;TLT:24.2%;HYG:24.2%;VNQ:24.2%,US:62.7;EU:14.7;APAC:12.0;EM:7.3;Other:3.3,Value:+0.5;Growth:0.0;Quality:-0.3;Size:-0.5;Momentum:-0.6;LowVol:-0.3,ESGOnly;NoMargin,7,30,4.8,trailing 8%,152,12.4,Volatile,30.6,4.37,2.3,139,50,76,62,false,Hedge,Add TLT +1% as duration hedge,18,-4,BrokerB,MKT,92,None,None,Normal monitoring,5,-33,134,5,false,Increase defensive factor exposure
P2585,Hands-off,Taxable,USD,2024-08-21,339488,21261,318227,1.0,73.8,15.8,5.2,5.2,VTI:11.0%;TLT:15.6%;VOO:20.6%;AMZN:20.1%;BND:12.2%;MSFT:20.6%,US:68.1;EU:15.3;APAC:9.9;EM:5.6;Other:1.1,Value:+0.3;Growth:+0.9;Quality:+0.1;Size:-0.5;Momentum:+0.2;LowVol:+0.4,,6,35,3.2,hard 10%,156,13.2,Volatile,28.7,5.03,2.9,165,56,86,84,true,Hedge,Buy index puts 1% notional,25,-36,BrokerB,LMT,94,RegimeShift,Reduce,Volatility spike and breadth deterioration,-6,-26,37,2,false,Tax-aware sells next window
P2586,Opportunistic,Roth,USD,2025-11-20,1303717,55523,1248194,1.0,71.3,17.6,5.4,5.7,IEF:33.3%;AAPL:33.3%;TSLA:33.3%,US:67.7;EU:17.3;APAC:7.1;EM:3.4;Other:4.5,Value:+0.3;Growth:-0.1;Quality:+0.4;Size:0.0;Momentum:-0.6;LowVol:-0.3,,10,35,6.5,trailing 7%,168,20.2,Bull,16.4,4.88,2.3,97,71,97,65,false,Rebalance,Shift +1% to bonds from equity,15,13,BrokerA,LMT,86,None,None,Normal monitoring,-50,11,83,4,false,Tighten stops on momentum names
P2587,Cautious,Trust,USD,2025-08-22,605549,52175,553374,1.0,44.5,39.0,2.7,13.8,MSFT:33.3%;BND:33.3%;VNQ:33.3%,US:67.9;EU:18.1;APAC:8.4;EM:4.0;Other:1.7,Value:-0.2;Growth:+0.9;Quality:-0.9;Size:+0.1;Momentum:-0.9;LowVol:0.0,NoDerivatives;NoMargin,7,25,4.6,hard 10%,114,12.4,Bull,17.9,3.97,2.9,73,23,58,44,true,Hedge,Buy index puts 1% notional,2,-35,BrokerB,LMT,95,Drift>tolerance,Reduce,Allocation drift beyond policy bands,110,15,146,3,false,Increase defensive factor exposure
P2588,Cautious,Trust,USD,2024-12-23,200201,19156,181045,1.0,42.2,41.2,5.7,10.9,XLF:25.1%;VOO:25.1%;AAPL:24.6%;VNQ:25.1%,US:65.3;EU:15.9;APAC:11.4;EM:5.9;Other:1.5,Value:+0.1;Growth:+0.5;Quality:+0.1;Size:-0.5;Momentum:-0.5;LowVol:-0.8,ESGOnly;MaxPos7%;NoDerivatives;NoMargin,6,35,4.4,trailing 8%,166,14.7,Sideways,20.6,3.97,2.9,124,60,90,42,false,Rebalance,Shift +1% to bonds from equity,-3,-16,BrokerA,MKT,88,None,None,Normal monitoring,-16,-8,66,4,false,Within IPS guidelines
P2589,Cautious,Roth,USD,2025-08-10,215977,23465,192512,1.0,51.4,34.1,3.0,11.5,TSLA:33.3%;VOO:33.3%;AAPL:33.3%,US:70.0;EU:17.1;APAC:6.8;EM:5.1;Other:0.9,Value:+0.9;Growth:+0.3;Quality:-0.9;Size:-0.2;Momentum:-0.8;LowVol:-0.4,ESGOnly;MaxPos8%;NoDerivatives;NoMargin,8,35,4.0,trailing 8%,113,16.7,Volatile,28.7,5.28,2.3,161,-31,40,64,false,NoAction,Within bands; monitor,-5,-35,BrokerB,MKT,0,None,None,Normal monitoring,-25,-9,71,5,false,Within IPS guidelines
P2590,Opportunistic,Trust,USD,2025-03-20,629339,28433,600906,1.09,73.9,17.8,3.9,4.4,TLT:21.3%;HYG:15.1%;AAPL:9.0%;VOO:15.4%;QQQ:17.8%;AMZN:21.3%,US:58.8;EU:22.4;APAC:7.6;EM:11.0;Other:0.2,Value:+0.1;Growth:-0.3;Quality:-0.8;Size:+0.8;Momentum:-0.7;LowVol:-0.7,,7,30,5.0,trailing 7%,267,33.0,Bull,17.6,4.89,2.4,75,89,91,51,false,Sell,Trim extended winner -1%,22,-9,BrokerB,VWAP,96,None,None,Normal monitoring,53,-18,108,3,false,Tighten stops on momentum names
P2591,Cautious,Taxable,USD,2025-01-30,435558,54472,381086,1.0,40.3,35.4,9.4,14.8,VNQ:16.5%;AAPL:21.6%;AMZN:21.6%;TSLA:12.9%;MUB:16.7%;QQQ:10.8%,US:74.4;EU:6.1;APAC:9.8;EM:8.0;Other:1.6,Value:0.0;Growth:-0.4;Quality:0.0;Size:-0.6;Momentum:+1.0;LowVol:+0.4,NoMargin,8,30,5.1,hard 10%,131,13.9,Volatile,29.9,4.26,2.8,114,-5,60,57,false,Rebalance,Shift +1% to bonds from equity,15,-21,BrokerC,LMT,87,None,None,Normal monitoring,118,10,218,4,false,Tax-aware sells next window
P2592,Active,Trust,USD,2025-04-26,902233,105322,796911,1.0,52.6,20.5,20.8,6.1,VOO:23.5%;BND:13.7%;XLF:15.8%;HYG:23.5%;IEF:23.5%,US:63.5;EU:18.9;APAC:9.6;EM:4.1;Other:3.9,Value:-0.0;Growth:+0.4;Quality:-0.2;Size:-0.8;Momentum:-0.1;LowVol:+1.0,,8,25,4.7,hard 12%,166,25.7,Bull,12.0,4.24,3.0,91,59,77,26,true,Rebalance,Rebalance back to target bands,8,11,BrokerC,LMT,88,Drift>tolerance,Hedge,Allocation drift beyond policy bands,112,-28,126,5,false,Tighten stops on momentum names
P2593,Opportunistic,IRA,USD,2025-06-08,941354,40322,901032,1.0,66.7,20.6,4.8,7.9,BND:27.1%;HYG:27.1%;AAPL:27.1%;IEF:18.7%,US:69.9;EU:7.6;APAC:11.5;EM:7.6;Other:3.4,Value:+0.3;Growth:+0.7;Quality:+0.6;Size:-0.9;Momentum:+0.2;LowVol:-0.3,,8,30,4.8,trailing 7%,227,32.7,Bull,14.3,3.64,2.9,84,10,49,54,true,Hedge,Buy index puts 1% notional,18,3,BrokerC,MKT,93,RegimeShift,Reduce,Volatility spike and breadth deterioration,64,-32,92,5,false,Tighten stops on momentum names
P2594,Opportunistic,IRA,USD,2025-07-22,1260849,107536,1153313,1.0,72.9,20.1,0.0,7.0,AMZN:33.3%;VNQ:33.3%;QQQ:33.3%,US:65.7;EU:16.7;APAC:5.8;EM:10.8;Other:1.0,Value:+0.9;Growth:-0.6;Quality:-0.5;Size:-0.0;Momentum:+0.5;LowVol:-0.2,MaxPos5%,5,30,6.6,hard 12%,213,22.3,Bear,33.5,4.46,2.8,168,-3,58,93,true,Reduce,"Cut high-beta by 2-3%, add cash",-6,-32,BrokerC,LMT,91,RegimeShift,Reduce,Volatility spike and breadth deterioration,103,1,79,4,false,Increase defensive factor exposure
P2595,Opportunistic,IRA,USD,2025-11-13,738670,55573,683097,1.0,72.3,20.8,1.9,4.9,QQQ:14.4%;TSLA:28.5%;MSFT:28.5%;MUB:28.5%,US:51.9;EU:19.1;APAC:14.5;EM:10.5;Other:4.0,Value:+0.8;Growth:+0.8;Quality:+0.1;Size:-0.1;Momentum:-0.5;LowVol:+0.9,MaxPos8%,5,25,6.0,trailing 7%,260,27.0,Volatile,23.5,4.44,4.0,148,43,61,76,true,Hedge,Buy index puts 1% notional,-3,-37,BrokerD,LMT,86,VAR>budget,Hedge,Risk above budget threshold,41,-46,54,3,false,Monitor dispersion and breadth
P2596,Systematic,Taxable,USD,2025-04-23,782903,45726,737177,1.0,63.3,29.9,0.0,6.8,TSLA:25.7%;VTI:27.4%;VNQ:19.6%;MSFT:27.4%,US:66.0;EU:15.5;APAC:10.8;EM:7.2;Other:0.5,Value:-0.9;Growth:+0.6;Quality:-1.0;Size:-0.4;Momentum:-0.3;LowVol:+0.5,NoDerivatives,10,30,5.0,hard 12%,202,22.0,Sideways,22.0,4.89,3.4,124,-16,56,55,false,Rebalance,Shift +1% to bonds from equity,35,-40,BrokerB,MKT,95,None,None,Normal monitoring,41,-7,3,4,false,Increase defensive factor exposure
P2597,Systematic,Trust,USD,2025-01-24,1852071,74697,1777374,1.0,59.1,24.5,7.0,9.4,BND:8.9%;AMZN:18.2%;VOO:24.7%;VNQ:23.6%;XLF:24.7%,US:70.4;EU:9.8;APAC:9.0;EM:9.8;Other:1.0,Value:+0.5;Growth:-0.2;Quality:+0.3;Size:-0.0;Momentum:-0.2;LowVol:+0.6,,6,25,5.1,trailing 9%,145,16.7,Bear,22.7,4.46,2.7,182,31,64,64,false,Buy,Add to core equity +1%,-15,-29,BrokerD,VWAP,98,None,None,Normal monitoring,36,-13,156,5,false,Increase defensive factor exposure
P2598,Cautious,Roth,USD,2024-07-27,542704,47404,495300,1.0,43.6,41.8,0.0,14.7,BRK.B:33.3%;IEF:33.3%;XLF:33.3%,US:60.9;EU:16.2;APAC:6.9;EM:11.4;Other:4.6,Value:-0.2;Growth:-1.0;Quality:+0.4;Size:+0.5;Momentum:-0.6;LowVol:-0.6,ESGOnly;MaxPos8%;NoMargin,7,35,3.9,trailing 8%,128,17.2,Sideways,21.5,3.83,3.0,122,-4,38,44,false,Buy,Add to core equity +1%,19,11,BrokerC,VWAP,94,None,None,Normal monitoring,-15,-59,101,3,false,Tighten stops on momentum names
P2599,Systematic,Trust,USD,2024-12-23,1671618,93431,1578187,1.0,64.6,28.9,0.0,6.5,AMZN:33.3%;VNQ:33.3%;MUB:33.3%,US:59.6;EU:16.6;APAC:13.0;EM:8.4;Other:2.5,Value:+0.8;Growth:+0.6;Quality:-0.0;Size:-0.2;Momentum:+0.6;LowVol:-0.5,NoDerivatives,5,35,4.7,trailing 9%,220,19.5,Sideways,14.3,4.1,2.3,97,18,60,56,false,NoAction,Within bands; monitor,9,0,BrokerB,MKT,0,None,None,Normal monitoring,116,-15,114,5,false,Tighten stops on momentum names
P2600,Cautious,IRA,USD,2025-06-30,797382,91701,705681,1.0,44.3,34.1,9.3,12.2,BND:33.3%;QQQ:33.3%;BRK.B:33.3%,US:66.1;EU:12.1;APAC:8.5;EM:10.4;Other:2.9,Value:-0.9;Growth:+0.4;Quality:-0.3;Size:0.0;Momentum:-0.2;LowVol:+0.7,ESGOnly;NoMargin,8,35,4.3,hard 10%,103,18.9,Volatile,20.4,3.69,3.8,145,-6,62,55,false,Buy,Add to core equity +1%,9,8,BrokerC,LMT,95,None,None,Normal monitoring,44,-4,47,5,false,Monitor dispersion and breadth
P2601,Opportunistic,Trust,USD,2025-11-17,1165357,75901,1089456,1.0,65.4,19.9,10.0,4.7,TLT:22.0%;IEF:11.5%;GLD:10.0%;BND:22.3%;TSLA:11.8%;AAPL:22.3%,US:66.4;EU:12.8;APAC:6.9;EM:10.1;Other:3.8,Value:-0.1;Growth:+0.1;Quality:+0.9;Size:-0.7;Momentum:+0.1;LowVol:-0.7,,5,30,5.8,trailing 9%,167,25.3,Sideways,16.2,3.8,3.2,110,15,42,58,true,Hedge,Buy index puts 1% notional,18,-16,BrokerC,LMT,90,VAR>budget,TightenStops,Risk above budget threshold,71,-38,50,2,false,Tax-aware sells next window
P2602,Hands-off,Trust,USD,2025-02-08,369693,28641,341052,1.0,71.7,18.9,0.0,9.4,HYG:13.1%;IEF:22.3%;MUB:11.8%;BND:8.2%;QQQ:22.3%;VTI:22.3%,US:67.6;EU:8.9;APAC:8.5;EM:10.4;Other:4.6,Value:+0.5;Growth:+0.7;Quality:-0.5;Size:+0.5;Momentum:-0.5;LowVol:+0.9,,8,25,3.2,trailing 8%,152,15.7,Bear,27.7,3.53,1.8,175,-100,5,76,true,Reduce,"Cut high-beta by 2-3%, add cash",-15,12,BrokerC,MKT,97,Drift>tolerance,Reduce,Allocation drift beyond policy bands,66,-3,147,3,false,Tax-aware sells next window
P2603,Active,Roth,USD,2025-05-07,2302330,250941,2051389,1.0,67.2,19.3,6.0,7.5,VTI:27.7%;GLD:18.2%;VOO:27.7%;TSLA:26.4%,US:69.4;EU:15.8;APAC:5.5;EM:4.6;Other:4.8,Value:-0.2;Growth:+0.8;Quality:+0.4;Size:-0.0;Momentum:+0.1;LowVol:-0.6,,5,30,5.5,trailing 8%,172,25.5,Volatile,27.0,4.9,3.3,154,-17,48,79,true,Reduce,"Cut high-beta by 2-3%, add cash",-12,-2,BrokerD,LMT,97,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-5,13,113,4,false,Increase defensive factor exposure
P2604,Systematic,Trust,USD,2025-07-23,635675,54537,581138,1.0,60.9,24.8,4.7,9.7,MSFT:9.5%;VNQ:13.1%;AMZN:20.4%;TLT:20.9%;XLF:15.1%;AAPL:20.9%,US:67.5;EU:16.8;APAC:7.3;EM:7.7;Other:0.8,Value:+0.9;Growth:-0.3;Quality:+0.4;Size:+1.0;Momentum:+0.2;LowVol:0.0,NoDerivatives,6,30,4.6,trailing 9%,183,17.9,Bear,23.3,4.47,2.7,208,-73,5,60,false,Buy,Add to core equity +1%,5,-34,BrokerC,LMT,95,None,None,Normal monitoring,109,-55,184,4,false,Tax-aware sells next window
P2605,Active,Taxable,USD,2025-09-11,833020,78489,754531,1.0,51.1,24.9,15.7,8.3,MUB:14.4%;BND:20.0%;QQQ:17.0%;VOO:18.5%;XLF:12.7%;AMZN:17.5%,US:66.4;EU:15.8;APAC:11.4;EM:4.9;Other:1.6,Value:-0.8;Growth:-0.5;Quality:-0.7;Size:0.0;Momentum:+0.6;LowVol:-0.4,NoDerivatives,10,35,4.1,trailing 8%,186,26.6,Volatile,24.8,3.9,2.8,145,72,97,59,false,Rebalance,Shift +1% to bonds from equity,15,-17,BrokerB,LMT,97,None,None,Normal monitoring,95,-21,80,5,false,Increase defensive factor exposure
P2606,Cautious,IRA,USD,2025-06-30,747882,115903,631979,1.0,48.1,37.3,0.0,14.6,BRK.B:11.7%;TSLA:22.4%;VNQ:12.8%;VOO:17.9%;BND:15.9%;MUB:19.1%,US:70.3;EU:14.2;APAC:9.6;EM:3.3;Other:2.6,Value:0.0;Growth:-0.2;Quality:-0.9;Size:+0.1;Momentum:+0.6;LowVol:+0.7,NoMargin,8,25,5.0,hard 10%,151,19.4,Sideways,16.2,4.3,2.2,132,-21,52,47,false,Rebalance,Shift +1% to bonds from equity,-12,-20,BrokerA,MKT,94,None,None,Normal monitoring,77,-30,108,5,false,Tighten stops on momentum names
P2607,Opportunistic,Taxable,USD,2025-09-15,1402009,46906,1355103,1.2,62.9,18.3,14.7,4.1,GLD:25.4%;BRK.B:14.4%;XLF:25.4%;HYG:9.4%;VOO:25.4%,US:75.6;EU:6.5;APAC:6.3;EM:10.0;Other:1.7,Value:+0.7;Growth:+0.7;Quality:+0.8;Size:+0.9;Momentum:-0.3;LowVol:+0.2,,5,30,5.7,hard 12%,279,23.0,Bull,15.3,4.56,2.4,84,48,63,39,false,NoAction,Within bands; monitor,30,-17,BrokerC,VWAP,97,None,None,Normal monitoring,113,-1,215,4,false,Tighten stops on momentum names
P2608,Active,IRA,USD,2025-11-11,1832742,214785,1617957,1.0,60.3,31.4,0.0,8.3,MSFT:26.3%;XLF:25.7%;IEF:26.3%;TSLA:21.8%,US:64.9;EU:8.3;APAC:13.6;EM:10.0;Other:3.2,Value:+0.5;Growth:+0.9;Quality:-0.1;Size:+0.1;Momentum:-0.8;LowVol:+0.3,,10,25,5.8,hard 12%,165,20.4,Volatile,28.3,3.79,3.9,132,28,54,72,true,Hedge,Buy index puts 1% notional,-11,-40,BrokerD,VWAP,89,VAR>budget,Pause,Risk above budget threshold,21,-48,94,4,true,Tax-aware sells next window
P2609,Cautious,Roth,USD,2025-04-14,630191,88232,541959,1.0,38.0,40.4,11.3,10.3,VOO:33.3%;IEF:33.3%;XLF:33.3%,US:65.0;EU:5.5;APAC:14.0;EM:11.3;Other:4.2,Value:+0.9;Growth:+0.4;Quality:-0.6;Size:+0.8;Momentum:+0.4;LowVol:-0.1,ESGOnly;NoMargin,7,30,3.3,trailing 8%,156,15.8,Sideways,19.1,4.53,3.4,91,40,63,44,false,Buy,Add to core equity +1%,-8,-23,BrokerC,MKT,85,None,None,Normal monitoring,-52,4,68,4,false,Increase defensive factor exposure
P2610,Cautious,IRA,USD,2025-08-19,631466,59100,572366,1.0,39.4,43.7,0.0,17.0,BND:21.9%;VNQ:21.9%;VTI:21.9%;MUB:16.5%;AAPL:17.7%,US:61.6;EU:14.4;APAC:13.1;EM:10.0;Other:0.9,Value:+0.3;Growth:+0.3;Quality:+0.2;Size:-0.9;Momentum:-0.9;LowVol:+0.3,ESGOnly;MaxPos8%;NoMargin,5,30,3.9,trailing 8%,108,17.7,Sideways,16.1,4.31,2.2,104,16,46,37,false,NoAction,Within bands; monitor,28,15,BrokerB,VWAP,98,None,None,Normal monitoring,5,0,136,4,false,Within IPS guidelines
P2611,Opportunistic,Roth,USD,2024-12-31,1026822,37914,988908,1.0,65.6,11.5,15.7,7.2,MSFT:14.8%;BRK.B:18.5%;HYG:24.6%;AMZN:17.4%;BND:24.6%,US:58.2;EU:14.7;APAC:11.4;EM:12.0;Other:3.6,Value:+0.2;Growth:+0.6;Quality:-0.4;Size:-0.7;Momentum:+0.4;LowVol:-0.8,NoDerivatives,6,25,6.9,hard 12%,191,28.2,Volatile,20.1,4.19,2.2,159,71,92,50,false,NoAction,Within bands; monitor,-15,-10,BrokerD,MKT,0,None,None,Normal monitoring,113,-6,160,4,false,Increase defensive factor exposure
P2612,Systematic,Taxable,USD,2025-04-26,1449165,74607,1374558,1.0,58.1,29.2,5.6,7.1,TLT:33.3%;BND:33.3%;HYG:33.3%,US:73.6;EU:9.4;APAC:6.3;EM:9.9;Other:0.8,Value:+0.7;Growth:-0.8;Quality:0.0;Size:+0.6;Momentum:+0.5;LowVol:-0.2,,10,35,4.0,trailing 8%,186,27.5,Bull,17.4,4.4,2.4,91,26,66,56,false,Sell,Trim extended winner -1%,1,1,BrokerA,MKT,89,None,None,Normal monitoring,86,0,62,5,false,Monitor dispersion and breadth
P2613,Cautious,Trust,USD,2024-12-11,324675,40910,283765,1.0,48.5,41.8,0.0,9.7,AMZN:24.3%;MUB:24.3%;IEF:9.5%;HYG:17.5%;VNQ:24.3%,US:64.9;EU:12.5;APAC:8.5;EM:8.9;Other:5.2,Value:+0.7;Growth:+0.3;Quality:-0.4;Size:+0.3;Momentum:-0.5;LowVol:+0.4,NoMargin,7,35,4.8,trailing 8%,118,19.3,Volatile,22.9,3.92,3.7,125,55,68,46,false,Buy,Add to core equity +1%,-14,-33,BrokerA,LMT,91,None,None,Normal monitoring,-39,-26,-22,5,false,Tighten stops on momentum names
P2614,Active,IRA,USD,2025-05-20,1524313,144326,1379987,1.0,67.1,22.0,2.6,8.3,MSFT:22.6%;VOO:22.6%;QQQ:22.1%;IEF:10.2%;MUB:22.6%,US:64.9;EU:16.2;APAC:5.7;EM:9.7;Other:3.5,Value:-0.0;Growth:-0.6;Quality:+0.2;Size:-0.2;Momentum:-0.6;LowVol:+0.4,MaxPos5%,10,25,5.1,trailing 9%,143,24.9,Bull,13.0,4.44,3.4,89,116,100,40,false,Sell,Trim extended winner -1%,-14,-12,BrokerA,MKT,86,None,None,Normal monitoring,20,-10,29,4,false,Monitor dispersion and breadth
P2615,Opportunistic,Taxable,USD,2025-03-26,1118959,51533,1067426,1.0,69.3,20.3,5.8,4.6,XLF:15.6%;HYG:18.6%;QQQ:22.5%;AMZN:22.6%;MSFT:20.7%,US:71.8;EU:8.8;APAC:12.1;EM:5.7;Other:1.6,Value:+0.4;Growth:-0.6;Quality:+0.5;Size:-0.8;Momentum:-0.3;LowVol:+0.1,MaxPos6%,10,25,5.3,trailing 7%,245,34.2,Volatile,27.7,4.0,3.7,147,33,81,72,true,Rebalance,Rebalance back to target bands,19,-30,BrokerD,VWAP,87,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-8,-59,37,5,false,Increase defensive factor exposure
P2616,Hands-off,Trust,USD,2025-07-24,345481,21324,324157,1.0,57.3,21.8,12.6,8.3,VOO:33.3%;AMZN:33.3%;MSFT:33.3%,US:72.3;EU:11.9;APAC:11.2;EM:3.5;Other:1.1,Value:-0.7;Growth:+0.3;Quality:+0.8;Size:-0.3;Momentum:+0.3;LowVol:-0.7,ESGOnly;MaxPos8%,5,25,5.0,trailing 8%,129,16.3,Volatile,21.5,4.29,4.1,146,-7,32,58,false,Buy,Add to core equity +1%,30,-28,BrokerA,MKT,88,None,None,Normal monitoring,-19,-4,97,4,false,Increase defensive factor exposure
P2617,Active,Trust,USD,2025-10-08,1385610,135592,1250018,1.0,58.7,25.7,9.2,6.3,XLF:28.6%;MSFT:28.6%;AMZN:14.2%;IEF:28.6%,US:53.2;EU:20.1;APAC:13.9;EM:9.8;Other:3.0,Value:-0.9;Growth:-0.1;Quality:+0.6;Size:-0.6;Momentum:+0.1;LowVol:-0.1,,7,25,4.1,trailing 8%,178,23.4,Bull,11.3,4.73,3.2,109,119,100,30,false,Buy,Add to core equity +1%,13,-40,BrokerD,MKT,95,None,None,Normal monitoring,90,11,138,4,false,Within IPS guidelines
P2618,Opportunistic,Trust,USD,2025-08-10,384665,22011,362654,1.0,71.9,13.0,9.3,5.8,BRK.B:8.3%;VTI:22.2%;MSFT:22.2%;VOO:10.2%;VNQ:14.8%;TLT:22.2%,US:65.5;EU:14.5;APAC:8.9;EM:8.3;Other:2.8,Value:+0.7;Growth:-1.0;Quality:-0.4;Size:-0.5;Momentum:-0.3;LowVol:-0.6,,5,30,4.8,trailing 7%,261,30.9,Sideways,18.1,4.92,3.4,115,35,68,62,false,Sell,Trim extended winner -1%,19,-28,BrokerB,MKT,85,None,None,Normal monitoring,16,5,-18,4,false,Monitor dispersion and breadth
P2619,Active,401k,USD,2025-09-15,588750,48861,539889,1.0,58.8,20.5,14.6,6.1,BRK.B:19.0%;VTI:19.0%;BND:19.0%;VOO:6.3%;GLD:17.6%;QQQ:19.2%,US:74.1;EU:9.5;APAC:6.9;EM:9.2;Other:0.3,Value:+0.1;Growth:-0.9;Quality:0.0;Size:+0.4;Momentum:-0.2;LowVol:-1.0,MaxPos6%,7,30,5.4,trailing 8%,229,18.8,Bull,14.9,4.57,2.3,111,53,90,35,false,Rebalance,Shift +1% to bonds from equity,22,-22,BrokerC,LMT,93,None,None,Normal monitoring,-54,-35,27,3,false,Tax-aware sells next window
P2620,Hands-off,Roth,USD,2025-08-18,515526,28165,487361,1.0,64.0,23.4,6.8,5.7,TSLA:22.6%;AMZN:11.9%;BND:20.2%;IEF:22.6%;HYG:22.6%,US:60.9;EU:22.0;APAC:9.9;EM:5.6;Other:1.6,Value:-0.8;Growth:-0.8;Quality:-0.0;Size:+0.4;Momentum:-0.2;LowVol:-0.5,ESGOnly,8,30,4.8,hard 10%,162,14.2,Bear,27.9,3.26,2.8,198,-9,51,77,true,Reduce,"Cut high-beta by 2-3%, add cash",26,7,BrokerD,VWAP,89,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-49,20,8,5,true,Increase defensive factor exposure
P2621,Active,Trust,USD,2025-08-27,741652,83558,658094,1.0,54.3,22.2,16.2,7.3,AAPL:12.2%;IEF:23.0%;GLD:18.9%;XLF:23.0%;TLT:23.0%,US:71.9;EU:10.8;APAC:6.1;EM:10.0;Other:1.2,Value:-0.3;Growth:+0.7;Quality:+0.5;Size:-0.5;Momentum:+0.1;LowVol:-0.4,,7,35,4.6,hard 12%,144,16.9,Volatile,22.9,4.8,2.5,132,13,48,53,false,Rebalance,Shift +1% to bonds from equity,9,-38,BrokerC,VWAP,92,None,None,Normal monitoring,19,-39,65,3,false,Within IPS guidelines
P2622,Active,401k,USD,2024-10-26,921027,98961,822066,1.0,65.4,23.3,4.7,6.5,AAPL:21.6%;XLF:21.6%;TSLA:20.5%;TLT:17.4%;VOO:18.9%,US:61.6;EU:14.7;APAC:13.3;EM:6.8;Other:3.6,Value:+0.1;Growth:-0.2;Quality:-0.0;Size:+0.1;Momentum:-0.4;LowVol:-0.3,,10,25,5.5,trailing 9%,208,22.4,Volatile,31.6,3.89,3.3,133,0,55,89,true,Rebalance,Rebalance back to target bands,-15,-21,BrokerD,VWAP,91,VAR>budget,Hedge,Risk above budget threshold,115,-25,221,2,false,Monitor dispersion and breadth
P2623,Active,Trust,USD,2025-10-18,844282,99468,744814,1.0,59.4,29.6,1.8,9.1,VNQ:17.4%;IEF:22.8%;MUB:22.0%;VOO:15.9%;GLD:21.9%,US:73.4;EU:6.3;APAC:13.9;EM:5.0;Other:1.4,Value:-0.3;Growth:-0.2;Quality:+0.1;Size:-0.5;Momentum:-0.5;LowVol:+0.5,,7,35,5.7,trailing 8%,211,17.9,Sideways,19.7,4.18,2.3,101,53,91,51,true,Hedge,Buy index puts 1% notional,-12,-13,BrokerD,MKT,94,Drift>tolerance,Reduce,Allocation drift beyond policy bands,3,-22,79,5,true,Increase defensive factor exposure
P2624,Opportunistic,IRA,USD,2025-09-30,819260,32880,786380,1.12,60.9,14.9,18.4,5.8,XLF:33.8%;MUB:33.8%;AMZN:32.4%,US:72.3;EU:14.1;APAC:8.6;EM:4.3;Other:0.7,Value:-0.9;Growth:-0.9;Quality:+1.0;Size:-0.0;Momentum:-0.3;LowVol:+0.2,MaxPos5%,7,25,5.3,trailing 9%,217,28.0,Bull,16.8,3.71,2.2,73,113,100,51,false,Buy,Add to core equity +1%,-14,3,BrokerD,MKT,92,None,None,Normal monitoring,8,-21,147,3,false,Tax-aware sells next window
P2625,Cautious,Trust,USD,2025-02-16,525388,65719,459669,1.0,43.5,39.5,0.0,17.0,MUB:20.1%;IEF:16.2%;VTI:20.7%;TLT:19.1%;VNQ:10.8%;BRK.B:13.1%,US:61.2;EU:16.8;APAC:11.1;EM:6.6;Other:4.2,Value:-0.2;Growth:+0.1;Quality:-0.4;Size:+0.9;Momentum:-0.8;LowVol:-0.3,MaxPos5%;NoDerivatives;NoMargin,10,25,4.3,trailing 10%,108,14.9,Bull,13.5,3.97,2.8,99,69,71,40,false,Rebalance,Shift +1% to bonds from equity,0,-10,BrokerB,MKT,92,None,None,Normal monitoring,-41,-6,-62,3,false,Monitor dispersion and breadth
P2626,Opportunistic,IRA,USD,2024-07-17,1307689,93179,1214510,1.2,68.6,19.4,4.8,7.1,BND:17.5%;MSFT:8.0%;TLT:10.7%;TSLA:22.9%;VTI:22.9%;IEF:18.1%,US:66.9;EU:12.7;APAC:8.4;EM:9.4;Other:2.6,Value:+0.7;Growth:+0.6;Quality:+1.0;Size:+0.3;Momentum:+0.3;LowVol:+0.6,,10,35,4.3,trailing 7%,178,30.7,Volatile,25.5,5.0,4.1,146,-23,36,64,true,Reduce,"Cut high-beta by 2-3%, add cash",-3,-5,BrokerC,LMT,98,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-27,2,1,5,false,Increase defensive factor exposure
P2627,Hands-off,Trust,USD,2024-11-07,208519,12458,196061,1.0,70.4,19.0,3.7,6.8,HYG:33.3%;GLD:33.3%;AAPL:33.3%,US:75.9;EU:9.9;APAC:10.2;EM:3.1;Other:0.8,Value:+0.1;Growth:+0.1;Quality:-0.0;Size:-0.4;Momentum:+0.9;LowVol:-0.2,ESGOnly;MaxPos5%;NoDerivatives,8,35,6.0,trailing 8%,157,15.4,Bull,12.7,4.44,2.5,97,11,52,38,false,Rebalance,Shift +1% to bonds from equity,30,-15,BrokerD,MKT,90,None,None,Normal monitoring,66,13,179,5,false,Within IPS guidelines
P2628,Systematic,IRA,USD,2025-10-10,1816751,148789,1667962,1.0,61.4,22.6,9.5,6.6,AMZN:37.3%;BRK.B:37.3%;QQQ:25.4%,US:67.3;EU:5.6;APAC:11.8;EM:10.9;Other:4.5,Value:+0.3;Growth:+0.8;Quality:-0.7;Size:+0.5;Momentum:-1.0;LowVol:-0.3,,6,30,5.8,hard 12%,156,27.3,Volatile,28.4,5.49,2.2,177,-44,27,74,true,Hedge,Buy index puts 1% notional,11,-24,BrokerA,LMT,96,Drift>tolerance,Reduce,Allocation drift beyond policy bands,102,-43,128,3,false,Increase defensive factor exposure
P2629,Hands-off,IRA,USD,2024-11-18,275738,15328,260410,1.0,69.1,20.8,4.0,6.1,XLF:33.3%;GLD:33.3%;HYG:33.3%,US:61.2;EU:18.4;APAC:14.2;EM:3.6;Other:2.7,Value:+0.7;Growth:+0.8;Quality:-0.8;Size:-0.9;Momentum:-0.2;LowVol:+0.3,ESGOnly;MaxPos8%;NoDerivatives,10,35,5.3,trailing 8%,156,13.9,Volatile,26.5,3.76,4.5,176,30,69,74,true,Reduce,"Cut high-beta by 2-3%, add cash",7,-6,BrokerA,MKT,90,Drift>tolerance,Reduce,Allocation drift beyond policy bands,3,12,29,4,true,Within IPS guidelines
P2630,Hands-off,Roth,USD,2025-06-15,858373,72542,785831,1.0,56.4,18.4,19.0,6.3,MSFT:33.3%;BND:33.3%;IEF:33.3%,US:69.5;EU:15.9;APAC:10.0;EM:3.9;Other:0.7,Value:+0.6;Growth:-0.8;Quality:-0.2;Size:-0.8;Momentum:-0.7;LowVol:+0.9,MaxPos5%;NoDerivatives,10,25,4.4,trailing 8%,100,17.5,Bull,17.3,3.56,2.4,108,55,75,50,false,Buy,Add to core equity +1%,-15,-16,BrokerB,VWAP,89,None,None,Normal monitoring,17,-33,6,4,false,Tighten stops on momentum names
P2631,Active,Roth,USD,2024-07-17,889961,98487,791474,1.0,61.6,21.2,10.0,7.2,MSFT:24.5%;XLF:18.9%;QQQ:18.5%;VOO:24.5%;BND:13.5%,US:72.3;EU:8.5;APAC:8.3;EM:10.6;Other:0.2,Value:-0.6;Growth:-0.5;Quality:-0.6;Size:-0.1;Momentum:-0.4;LowVol:-0.7,MaxPos6%;NoDerivatives,8,25,4.2,trailing 8%,144,18.6,Bear,26.1,3.19,1.7,152,25,75,62,false,Sell,Trim extended winner -1%,7,-32,BrokerA,MKT,92,None,None,Normal monitoring,86,-13,76,4,false,Tax-aware sells next window
P2632,Cautious,IRA,USD,2025-01-11,848271,109552,738719,1.0,49.5,31.0,2.0,17.4,GLD:13.3%;XLF:16.4%;HYG:24.0%;BND:22.2%;VOO:24.0%,US:67.0;EU:8.8;APAC:11.4;EM:8.6;Other:4.2,Value:+0.7;Growth:-0.5;Quality:-1.0;Size:+0.8;Momentum:+0.2;LowVol:-0.7,ESGOnly;NoMargin,10,30,3.3,trailing 8%,155,17.8,Sideways,20.6,4.52,2.9,130,-29,37,60,false,Buy,Add to core equity +1%,32,7,BrokerC,MKT,95,None,None,Normal monitoring,34,-21,174,4,false,Monitor dispersion and breadth
P2633,Cautious,Trust,USD,2025-12-01,384898,38095,346803,1.0,48.2,41.3,0.3,10.1,TLT:25.0%;GLD:25.0%;AMZN:25.0%;BRK.B:25.0%,US:65.3;EU:22.2;APAC:7.5;EM:4.9;Other:0.1,Value:-0.2;Growth:+0.9;Quality:+0.2;Size:-0.6;Momentum:-0.3;LowVol:+0.9,MaxPos5%;NoDerivatives;NoMargin,8,35,5.3,trailing 10%,106,17.2,Sideways,19.7,3.78,3.1,97,21,72,53,false,Rebalance,Shift +1% to bonds from equity,30,5,BrokerC,MKT,85,None,None,Normal monitoring,81,-57,209,3,false,Increase defensive factor exposure
P2634,Active,Roth,USD,2025-04-16,2138490,157673,1980817,1.0,68.2,25.3,0.0,6.4,HYG:33.3%;GLD:33.3%;VOO:33.3%,US:64.7;EU:15.0;APAC:9.8;EM:8.2;Other:2.3,Value:+0.4;Growth:+0.4;Quality:-0.7;Size:-0.9;Momentum:+0.2;LowVol:-0.9,NoDerivatives,6,30,5.3,hard 12%,122,27.9,Bull,14.1,3.65,3.4,92,66,93,57,false,NoAction,Within bands; monitor,28,-20,BrokerA,LMT,86,None,None,Normal monitoring,84,-25,188,3,false,Tighten stops on momentum names
P2635,Opportunistic,Trust,USD,2025-02-25,1080987,48700,1032287,1.0,73.0,11.5,10.8,4.7,AAPL:33.6%;BRK.B:33.6%;GLD:32.9%,US:74.3;EU:7.7;APAC:5.7;EM:8.5;Other:3.8,Value:-0.6;Growth:-0.4;Quality:-0.9;Size:-0.8;Momentum:+0.5;LowVol:+1.0,,6,30,5.7,trailing 9%,184,20.1,Volatile,21.6,4.38,4.0,136,55,83,77,true,Hedge,Buy index puts 1% notional,11,-13,BrokerD,MKT,86,Drift>tolerance,Hedge,Allocation drift beyond policy bands,42,-23,118,4,true,Tighten stops on momentum names
P2636,Active,401k,USD,2025-10-09,1442158,171052,1271106,1.0,62.9,28.0,0.0,9.1,QQQ:33.3%;MUB:33.3%;HYG:33.3%,US:68.0;EU:8.3;APAC:12.2;EM:9.3;Other:2.3,Value:-0.2;Growth:+0.1;Quality:+0.2;Size:-0.9;Momentum:+0.7;LowVol:+1.0,MaxPos7%,6,35,4.4,hard 12%,134,17.1,Bull,11.9,4.48,2.3,78,55,64,49,false,Rebalance,Shift +1% to bonds from equity,34,-7,BrokerD,LMT,89,None,None,Normal monitoring,48,-35,68,3,false,Increase defensive factor exposure
P2637,Cautious,Taxable,USD,2025-01-07,652642,71270,581372,1.0,46.4,38.9,0.0,14.7,XLF:10.9%;TSLA:22.6%;BRK.B:22.6%;AAPL:13.2%;MSFT:10.5%;QQQ:20.1%,US:76.3;EU:10.1;APAC:6.6;EM:6.2;Other:0.8,Value:-0.9;Growth:-0.5;Quality:-0.7;Size:+0.3;Momentum:+0.8;LowVol:-0.8,ESGOnly;MaxPos5%;NoMargin,6,30,5.1,trailing 8%,153,17.5,Sideways,20.0,4.52,2.7,115,11,54,43,false,Rebalance,Shift +1% to bonds from equity,26,3,BrokerA,LMT,94,None,None,Normal monitoring,36,-6,137,5,false,Increase defensive factor exposure
P2638,Active,Trust,USD,2025-06-19,1315999,143683,1172316,1.0,66.7,23.6,0.0,9.6,VTI:33.3%;TSLA:33.3%;VOO:33.3%,US:79.0;EU:6.1;APAC:7.0;EM:3.8;Other:4.2,Value:+0.9;Growth:-0.1;Quality:+0.6;Size:-0.1;Momentum:-0.1;LowVol:-0.7,MaxPos5%,5,30,5.3,hard 12%,214,20.7,Sideways,20.2,3.69,3.2,92,54,84,60,false,Rebalance,Shift +1% to bonds from equity,30,3,BrokerC,MKT,98,None,None,Normal monitoring,120,-1,112,5,false,Tax-aware sells next window
P2639,Hands-off,Trust,USD,2025-09-22,317053,26582,290471,1.0,61.3,18.0,15.0,5.6,GLD:16.9%;BND:27.7%;QQQ:27.7%;VNQ:27.7%,US:62.0;EU:15.4;APAC:10.0;EM:9.5;Other:3.1,Value:+0.9;Growth:+1.0;Quality:+0.4;Size:+0.5;Momentum:-0.5;LowVol:-0.5,ESGOnly,7,25,5.0,hard 10%,92,16.4,Bull,17.6,4.95,3.3,77,25,62,47,false,Hedge,Add TLT +1% as duration hedge,-13,-33,BrokerB,LMT,91,None,None,Normal monitoring,92,-47,62,3,false,Tighten stops on momentum names
P2640,Active,401k,USD,2025-07-07,2223644,212299,2011345,1.0,60.3,27.8,3.1,8.7,TLT:23.5%;IEF:14.8%;QQQ:14.7%;MSFT:23.5%;VTI:23.5%,US:60.0;EU:17.1;APAC:12.7;EM:5.7;Other:4.5,Value:-1.0;Growth:+0.3;Quality:+0.6;Size:+0.1;Momentum:+0.2;LowVol:-0.3,NoDerivatives,10,30,4.8,trailing 9%,211,16.7,Bull,14.9,4.0,3.2,86,70,94,52,false,Sell,Trim extended winner -1%,25,-20,BrokerD,LMT,99,None,None,Normal monitoring,115,-55,178,5,false,Increase defensive factor exposure
P2641,Hands-off,401k,USD,2024-12-26,673812,49170,624642,1.0,72.3,21.8,0.2,5.7,BND:33.3%;VOO:33.3%;XLF:33.3%,US:68.6;EU:6.2;APAC:13.5;EM:11.1;Other:0.6,Value:+0.7;Growth:+0.6;Quality:-1.0;Size:+0.4;Momentum:+0.1;LowVol:-0.1,ESGOnly,7,35,4.3,trailing 8%,144,12.7,Sideways,17.3,4.71,2.9,138,33,58,62,false,Rebalance,Shift +1% to bonds from equity,8,-6,BrokerD,MKT,99,None,None,Normal monitoring,17,2,1,3,false,Within IPS guidelines
P2642,Cautious,Trust,USD,2025-03-10,573220,77114,496106,1.0,42.1,38.9,4.6,14.3,VNQ:28.6%;GLD:28.6%;VTI:28.6%;HYG:14.3%,US:60.7;EU:21.2;APAC:8.6;EM:8.3;Other:1.3,Value:+0.7;Growth:+0.8;Quality:+0.4;Size:-0.5;Momentum:-0.7;LowVol:+0.7,NoDerivatives;NoMargin,6,25,5.6,hard 10%,93,12.5,Volatile,24.8,4.15,2.9,128,-3,56,50,false,Buy,Add to core equity +1%,7,-35,BrokerD,MKT,100,None,None,Normal monitoring,3,-34,65,5,false,Tighten stops on momentum names
P2643,Systematic,Taxable,USD,2024-11-29,514304,25811,488493,1.0,64.6,22.0,5.9,7.5,AAPL:21.1%;HYG:24.8%;VTI:20.5%;AMZN:24.8%;MUB:8.7%,US:64.6;EU:19.5;APAC:8.0;EM:3.4;Other:4.5,Value:-0.4;Growth:+0.1;Quality:-0.5;Size:0.0;Momentum:-1.0;LowVol:+0.1,,6,35,5.6,trailing 9%,211,24.8,Bull,15.8,4.3,2.5,92,38,54,46,false,Buy,Add to core equity +1%,8,2,BrokerC,MKT,99,None,None,Normal monitoring,71,-15,111,4,false,Within IPS guidelines
P2644,Opportunistic,Roth,USD,2025-11-03,743719,27425,716294,1.0,62.1,17.6,13.3,7.1,MUB:7.4%;XLF:21.3%;TSLA:21.3%;GLD:18.9%;HYG:9.7%;VTI:21.3%,US:65.9;EU:9.9;APAC:15.7;EM:5.9;Other:2.6,Value:-0.6;Growth:+0.5;Quality:+0.2;Size:+0.8;Momentum:+0.2;LowVol:-0.3,MaxPos7%,10,25,5.0,trailing 7%,239,22.4,Bull,17.1,3.85,3.1,119,64,93,42,false,Sell,Trim extended winner -1%,27,-1,BrokerD,MKT,85,None,None,Normal monitoring,75,-13,197,5,false,Increase defensive factor exposure
P2645,Cautious,401k,USD,2025-01-31,366323,31337,334986,1.0,51.0,33.8,4.5,10.7,XLF:27.2%;VOO:27.2%;BRK.B:27.2%;QQQ:18.4%,US:63.3;EU:16.3;APAC:11.2;EM:8.3;Other:0.9,Value:+0.2;Growth:-0.8;Quality:+0.8;Size:+1.0;Momentum:-0.3;LowVol:-0.4,ESGOnly;NoMargin,6,35,3.7,trailing 8%,111,19.0,Bull,14.2,3.5,2.3,78,52,66,38,true,Hedge,Buy index puts 1% notional,18,-39,BrokerD,LMT,89,VAR>budget,Reduce,Risk above budget threshold,-32,-39,108,4,false,Within IPS guidelines
P2646,Active,401k,USD,2025-04-11,1495361,111947,1383414,1.0,59.1,23.3,9.9,7.7,VOO:25.1%;HYG:25.1%;QQQ:24.6%;AAPL:25.1%,US:60.1;EU:18.4;APAC:11.8;EM:6.3;Other:3.3,Value:+0.1;Growth:-0.2;Quality:+0.5;Size:+0.8;Momentum:+0.4;LowVol:-1.0,,7,35,5.9,trailing 9%,229,27.5,Volatile,28.3,4.32,3.7,160,37,66,63,true,Hedge,Buy index puts 1% notional,2,-37,BrokerA,MKT,85,VAR>budget,Reduce,Risk above budget threshold,-15,-13,80,4,false,Monitor dispersion and breadth
P2647,Hands-off,401k,USD,2025-07-11,562361,46046,516315,1.0,59.3,28.8,4.5,7.3,MUB:28.0%;VNQ:28.0%;MSFT:28.0%;TLT:16.0%,US:62.8;EU:13.1;APAC:12.1;EM:9.9;Other:2.2,Value:+0.8;Growth:-0.7;Quality:+0.6;Size:-1.0;Momentum:-0.6;LowVol:-0.9,ESGOnly,5,30,5.9,trailing 8%,170,19.6,Sideways,21.7,3.94,2.6,137,43,59,53,true,Reduce,"Cut high-beta by 2-3%, add cash",4,-36,BrokerC,MKT,100,Drift>tolerance,Hedge,Allocation drift beyond policy bands,120,5,109,5,false,Increase defensive factor exposure
P2648,Systematic,401k,USD,2025-09-08,1141391,79438,1061953,1.0,59.3,21.0,10.8,9.0,IEF:23.4%;AMZN:23.4%;XLF:18.1%;VOO:11.7%;MSFT:23.4%,US:67.2;EU:10.1;APAC:12.1;EM:8.5;Other:2.2,Value:0.0;Growth:-0.6;Quality:+0.4;Size:+0.7;Momentum:-0.9;LowVol:-0.9,,8,25,5.3,trailing 8%,159,25.9,Bull,12.0,4.28,2.9,90,60,66,47,false,Buy,Add to core equity +1%,-9,-15,BrokerC,MKT,96,None,None,Normal monitoring,64,-10,87,5,false,Monitor dispersion and breadth
P2649,Hands-off,401k,USD,2025-02-19,546481,30634,515847,1.0,62.4,17.5,11.7,8.3,VNQ:19.6%;BRK.B:20.7%;TLT:11.3%;MSFT:17.1%;AAPL:20.7%;VTI:10.5%,US:67.5;EU:15.6;APAC:7.1;EM:8.7;Other:1.0,Value:+0.3;Growth:+0.6;Quality:-0.3;Size:0.0;Momentum:+0.5;LowVol:+0.7,ESGOnly,5,30,5.7,trailing 10%,142,15.0,Volatile,22.6,4.51,4.3,133,-36,34,53,false,Rebalance,Shift +1% to bonds from equity,25,15,BrokerC,MKT,89,None,None,Normal monitoring,-47,-51,49,3,false,Within IPS guidelines
P2650,Systematic,IRA,USD,2025-08-06,1009019,47712,961307,1.0,60.3,31.9,0.0,7.7,TSLA:23.5%;MSFT:23.5%;MUB:13.4%;GLD:23.5%;BND:16.1%,US:70.5;EU:5.4;APAC:12.8;EM:8.7;Other:2.5,Value:+0.8;Growth:+0.2;Quality:-0.9;Size:+0.7;Momentum:+0.2;LowVol:+0.4,NoDerivatives,8,25,4.9,trailing 9%,156,23.1,Bull,16.3,3.82,2.4,107,2,52,48,false,Rebalance,Shift +1% to bonds from equity,5,-38,BrokerA,MKT,85,None,None,Normal monitoring,100,1,70,4,false,Monitor dispersion and breadth
P2651,Active,Roth,USD,2025-10-05,913141,83925,829216,1.0,53.6,27.4,9.3,9.7,MUB:22.9%;HYG:22.9%;QQQ:10.1%;XLF:22.9%;TLT:21.3%,US:59.9;EU:18.4;APAC:9.3;EM:9.4;Other:3.0,Value:+0.2;Growth:+0.5;Quality:-0.2;Size:+0.9;Momentum:-0.5;LowVol:+0.5,,8,25,4.2,hard 12%,162,24.7,Bear,29.4,3.04,2.7,219,5,62,60,false,Buy,Add to core equity +1%,13,-11,BrokerA,VWAP,86,None,None,Normal monitoring,-57,-32,-24,3,false,Monitor dispersion and breadth
P2652,Opportunistic,Roth,USD,2025-10-02,311016,12715,298301,1.08,70.0,20.3,1.0,8.7,MSFT:13.0%;IEF:20.8%;AAPL:9.9%;GLD:20.8%;XLF:20.8%;VOO:14.6%,US:72.3;EU:6.3;APAC:13.4;EM:7.6;Other:0.3,Value:+0.5;Growth:+0.4;Quality:+0.3;Size:-0.1;Momentum:+0.6;LowVol:-0.3,,6,35,5.5,trailing 7%,173,31.9,Bull,15.3,4.06,2.2,99,55,76,56,true,Hedge,Buy index puts 1% notional,14,-31,BrokerB,VWAP,91,VAR>budget,Reduce,Risk above budget threshold,2,-6,49,4,false,Monitor dispersion and breadth
P2653,Hands-off,Taxable,USD,2024-12-28,828939,60057,768882,1.0,64.6,28.0,0.0,7.4,QQQ:26.2%;MSFT:26.2%;BRK.B:26.2%;VOO:21.4%,US:67.6;EU:9.3;APAC:12.2;EM:8.2;Other:2.6,Value:+0.1;Growth:-0.5;Quality:-0.5;Size:+0.5;Momentum:0.0;LowVol:+0.8,,5,35,4.4,trailing 8%,155,12.0,Volatile,21.3,3.79,4.1,129,-58,13,65,false,Rebalance,Shift +1% to bonds from equity,10,10,BrokerB,MKT,98,None,None,Normal monitoring,112,-51,72,3,false,Increase defensive factor exposure
P2654,Hands-off,Trust,USD,2025-03-23,244494,15053,229441,1.0,56.0,19.1,18.3,6.5,XLF:24.8%;TSLA:30.5%;GLD:14.3%;BRK.B:30.5%,US:78.7;EU:6.1;APAC:9.9;EM:3.5;Other:1.9,Value:+0.6;Growth:-0.5;Quality:+0.9;Size:+0.1;Momentum:+0.8;LowVol:+0.1,ESGOnly,5,30,4.9,hard 10%,133,12.5,Bear,31.6,3.7,2.8,219,-22,51,68,false,Sell,Trim extended winner -1%,-4,9,BrokerA,VWAP,94,None,None,Normal monitoring,48,-49,49,3,false,Increase defensive factor exposure
P2655,Active,Trust,USD,2025-07-18,1265683,105072,1160611,1.0,52.6,21.3,17.6,8.5,HYG:11.3%;XLF:21.0%;QQQ:19.9%;VNQ:18.1%;BRK.B:17.3%;GLD:12.3%,US:67.5;EU:16.9;APAC:9.4;EM:4.0;Other:2.1,Value:-0.9;Growth:-0.5;Quality:+0.9;Size:+0.9;Momentum:+0.1;LowVol:+0.8,,6,25,4.4,hard 12%,144,17.1,Volatile,27.3,3.87,2.3,123,-58,11,59,false,Buy,Add to core equity +1%,-15,-39,BrokerA,MKT,85,None,None,Normal monitoring,25,-60,29,4,false,Monitor dispersion and breadth
P2656,Active,Taxable,USD,2024-11-15,1967224,189508,1777716,1.0,56.9,30.5,7.0,5.6,XLF:22.0%;HYG:24.8%;TLT:26.6%;GLD:26.6%,US:77.0;EU:6.2;APAC:7.4;EM:7.5;Other:1.8,Value:-0.4;Growth:+0.7;Quality:-0.3;Size:-0.3;Momentum:+0.6;LowVol:+0.9,NoDerivatives,5,35,5.4,hard 12%,158,23.7,Volatile,31.2,4.22,4.0,142,-49,36,74,true,Hedge,Buy index puts 1% notional,-1,13,BrokerB,LMT,88,VAR>budget,Hedge,Risk above budget threshold,-14,-44,87,3,true,Tax-aware sells next window
P2657,Hands-off,Taxable,USD,2025-07-04,566936,55547,511389,1.0,55.8,27.4,9.4,7.4,VOO:27.4%;BND:36.3%;HYG:36.3%,US:63.9;EU:20.7;APAC:5.6;EM:4.9;Other:4.9,Value:-0.3;Growth:-0.5;Quality:+0.4;Size:0.0;Momentum:-0.4;LowVol:+0.9,ESGOnly;MaxPos7%,6,30,4.6,trailing 8%,93,15.0,Sideways,16.7,3.54,2.4,134,18,54,49,false,Buy,Add to core equity +1%,-3,-3,BrokerA,MKT,85,None,None,Normal monitoring,70,-20,84,3,false,Tax-aware sells next window
P2658,Opportunistic,Taxable,USD,2024-10-13,1027839,54550,973289,1.0,76.5,18.2,0.0,5.4,VTI:29.8%;BRK.B:18.7%;GLD:21.6%;TSLA:29.8%,US:71.4;EU:8.6;APAC:12.2;EM:6.4;Other:1.4,Value:+0.6;Growth:+0.8;Quality:+0.4;Size:-0.4;Momentum:-0.1;LowVol:+0.7,,5,25,6.1,trailing 7%,253,34.5,Bear,33.0,3.56,2.0,144,7,55,82,true,Reduce,"Cut high-beta by 2-3%, add cash",19,4,BrokerA,MKT,99,Drift>tolerance,Pause,Allocation drift beyond policy bands,-12,-2,-34,5,true,Tax-aware sells next window
P2659,Hands-off,Roth,USD,2025-04-29,297703,20252,277451,1.0,64.0,20.0,6.8,9.2,GLD:33.3%;BRK.B:33.3%;QQQ:33.3%,US:74.6;EU:9.9;APAC:7.6;EM:5.6;Other:2.3,Value:+0.3;Growth:+0.4;Quality:-0.6;Size:+0.6;Momentum:0.0;LowVol:-0.6,ESGOnly;NoDerivatives,8,25,4.8,trailing 10%,149,14.3,Sideways,19.1,4.68,3.2,97,14,57,53,false,Rebalance,Shift +1% to bonds from equity,31,-31,BrokerA,MKT,90,None,None,Normal monitoring,68,-30,198,4,false,Tighten stops on momentum names
P2660,Hands-off,401k,USD,2025-07-05,895602,74247,821355,1.0,62.1,24.2,4.9,8.8,VTI:33.3%;HYG:33.3%;IEF:33.3%,US:68.4;EU:11.4;APAC:6.5;EM:13.2;Other:0.5,Value:+0.7;Growth:-0.0;Quality:+0.9;Size:+0.3;Momentum:+0.6;LowVol:+0.5,NoDerivatives,5,25,4.6,trailing 10%,125,12.3,Sideways,19.7,4.61,3.3,109,-12,32,54,false,Sell,Trim extended winner -1%,35,12,BrokerB,LMT,98,None,None,Normal monitoring,-50,-45,-70,4,false,Tighten stops on momentum names
P2661,Opportunistic,401k,USD,2025-03-24,447043,24436,422607,1.0,73.7,19.4,1.0,5.9,VNQ:16.2%;GLD:17.1%;MUB:20.7%;AMZN:12.5%;TSLA:20.7%;VOO:12.7%,US:62.2;EU:13.3;APAC:15.4;EM:4.8;Other:4.2,Value:+0.7;Growth:-0.3;Quality:-0.7;Size:-0.4;Momentum:+0.4;LowVol:+0.2,,5,35,5.1,trailing 7%,225,29.7,Bull,13.8,4.27,3.3,118,46,86,48,false,Rebalance,Shift +1% to bonds from equity,31,3,BrokerD,LMT,89,None,None,Normal monitoring,-33,-56,101,3,false,Tax-aware sells next window
P2662,Cautious,IRA,USD,2025-03-16,468645,62343,406302,1.0,48.8,36.2,0.0,14.9,VOO:23.2%;VNQ:16.7%;XLF:13.7%;TLT:23.2%;HYG:23.2%,US:59.4;EU:18.0;APAC:12.7;EM:6.6;Other:3.3,Value:+0.1;Growth:-0.5;Quality:-0.3;Size:-0.5;Momentum:-0.8;LowVol:-0.3,ESGOnly;MaxPos5%;NoMargin,6,35,5.2,trailing 10%,148,13.9,Bear,25.0,3.05,1.8,207,-51,27,62,false,Rebalance,Shift +1% to bonds from equity,20,9,BrokerD,LMT,91,None,None,Normal monitoring,25,8,90,5,false,Increase defensive factor exposure
P2663,Cautious,401k,USD,2024-07-24,188115,29648,158467,1.0,39.4,40.0,8.9,11.7,MSFT:33.3%;AMZN:33.3%;HYG:33.3%,US:68.7;EU:12.4;APAC:11.9;EM:6.2;Other:0.8,Value:-0.7;Growth:-0.6;Quality:-0.7;Size:-0.2;Momentum:+0.1;LowVol:0.0,NoDerivatives;NoMargin,5,35,4.4,hard 10%,147,19.7,Bear,33.4,3.36,2.5,176,-65,24,74,true,Hedge,Buy index puts 1% notional,-1,-28,BrokerD,VWAP,85,Drift>tolerance,Reduce,Allocation drift beyond policy bands,117,-3,239,2,false,Increase defensive factor exposure
P2664,Active,Taxable,USD,2025-05-29,884328,59454,824874,1.0,61.8,25.9,6.0,6.2,VTI:33.3%;AAPL:33.3%;MUB:33.3%,US:58.2;EU:15.1;APAC:10.5;EM:11.4;Other:4.8,Value:-0.5;Growth:-0.3;Quality:+0.8;Size:+0.5;Momentum:+0.6;LowVol:-0.2,,5,35,4.6,trailing 9%,225,26.6,Bull,14.8,4.14,3.0,84,47,82,45,false,NoAction,Within bands; monitor,-13,-26,BrokerC,LMT,92,None,None,Normal monitoring,102,10,95,3,false,Tighten stops on momentum names
P2665,Systematic,Roth,USD,2024-10-21,779984,72183,707801,1.0,60.7,28.7,1.5,9.2,IEF:26.3%;QQQ:21.2%;VNQ:26.3%;VTI:26.3%,US:72.6;EU:9.5;APAC:12.0;EM:4.0;Other:2.0,Value:+0.5;Growth:+1.0;Quality:-0.4;Size:-0.8;Momentum:-0.9;LowVol:+0.1,MaxPos6%,10,30,4.7,trailing 8%,145,25.3,Bull,14.5,4.29,2.9,74,11,56,54,false,Buy,Add to core equity +1%,34,-6,BrokerA,VWAP,85,None,None,Normal monitoring,60,-53,158,4,false,Tax-aware sells next window
P2666,Active,Taxable,USD,2025-06-06,1749854,194237,1555617,1.0,51.6,27.4,13.7,7.2,TLT:8.1%;BRK.B:14.6%;TSLA:19.2%;HYG:22.1%;QQQ:13.9%;XLF:22.1%,US:62.5;EU:12.1;APAC:12.9;EM:8.9;Other:3.6,Value:+0.5;Growth:-1.0;Quality:-0.2;Size:+0.1;Momentum:+0.4;LowVol:0.0,MaxPos6%,6,35,5.6,hard 12%,125,26.2,Bull,14.1,4.51,2.1,78,93,86,40,false,Buy,Add to core equity +1%,15,-21,BrokerA,LMT,92,None,None,Normal monitoring,73,-18,43,3,false,Within IPS guidelines
P2667,Opportunistic,IRA,USD,2025-09-26,745278,64743,680535,1.0,73.5,19.7,0.0,6.8,GLD:29.1%;VOO:22.5%;BND:29.1%;QQQ:19.2%,US:68.1;EU:9.3;APAC:12.4;EM:8.8;Other:1.4,Value:+0.8;Growth:-0.8;Quality:+1.0;Size:+0.6;Momentum:+0.5;LowVol:+0.6,,6,25,5.9,hard 12%,218,20.2,Bear,32.6,4.14,2.6,161,-30,23,87,true,Reduce,"Cut high-beta by 2-3%, add cash",-9,-33,BrokerA,LMT,94,VAR>budget,Hedge,Risk above budget threshold,98,-2,121,5,false,Tax-aware sells next window
P2668,Cautious,Trust,USD,2024-07-04,198295,24347,173948,1.0,44.4,39.7,0.0,15.9,XLF:33.3%;GLD:33.3%;IEF:33.3%,US:64.5;EU:14.2;APAC:9.9;EM:8.6;Other:2.9,Value:-0.2;Growth:+1.0;Quality:-0.6;Size:-0.0;Momentum:+0.4;LowVol:-0.6,MaxPos5%;NoMargin,10,35,3.4,trailing 8%,92,12.6,Sideways,16.4,4.92,2.1,100,53,70,35,true,Reduce,"Cut high-beta by 2-3%, add cash",1,-6,BrokerD,MKT,95,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,31,-34,141,4,true,Tighten stops on momentum names
P2669,Hands-off,IRA,USD,2024-12-01,724509,33852,690657,1.0,56.1,23.3,12.6,8.0,VTI:33.3%;HYG:33.3%;VNQ:33.3%,US:63.4;EU:11.2;APAC:15.5;EM:5.7;Other:4.1,Value:-0.9;Growth:-0.7;Quality:+0.2;Size:+0.7;Momentum:+0.5;LowVol:+0.6,MaxPos7%,8,25,3.5,trailing 8%,132,17.5,Volatile,28.4,5.02,4.0,177,-17,31,73,true,Hedge,Buy index puts 1% notional,-13,-15,BrokerD,MKT,92,RegimeShift,Reduce,Volatility spike and breadth deterioration,-35,-34,-33,5,false,Tighten stops on momentum names
P2670,Active,Roth,USD,2025-04-08,1594483,117267,1477216,1.0,68.6,19.4,4.5,7.5,VOO:25.0%;HYG:25.0%;QQQ:25.0%;VTI:25.0%,US:63.9;EU:11.0;APAC:13.4;EM:9.9;Other:1.9,Value:+0.6;Growth:-0.1;Quality:-0.3;Size:+1.0;Momentum:0.0;LowVol:-0.4,,10,30,5.1,hard 12%,170,17.4,Volatile,24.4,4.2,3.3,174,-60,30,68,false,Hedge,Add TLT +1% as duration hedge,27,-37,BrokerB,LMT,100,None,None,Normal monitoring,101,-16,192,5,false,Monitor dispersion and breadth
P2671,Opportunistic,IRA,USD,2024-10-01,443787,34620,409167,1.0,73.5,10.7,7.7,8.1,MUB:35.3%;GLD:35.3%;TSLA:29.4%,US:72.5;EU:10.0;APAC:7.8;EM:8.1;Other:1.6,Value:+0.7;Growth:-0.2;Quality:+0.2;Size:-0.3;Momentum:-0.7;LowVol:+0.1,MaxPos7%,10,25,5.6,trailing 9%,220,24.0,Bull,15.5,4.2,2.8,86,38,55,52,true,Rebalance,Rebalance back to target bands,4,15,BrokerC,MKT,87,VAR>budget,Hedge,Risk above budget threshold,60,-27,142,4,false,Tax-aware sells next window
P2672,Active,Trust,USD,2024-08-30,1947868,214838,1733030,1.0,60.2,29.1,1.1,9.6,BRK.B:27.5%;TSLA:21.5%;GLD:27.5%;VTI:23.6%,US:72.6;EU:15.0;APAC:6.0;EM:4.2;Other:2.1,Value:+0.4;Growth:-0.0;Quality:-0.8;Size:+0.7;Momentum:-0.3;LowVol:+0.4,MaxPos7%,10,35,5.0,trailing 9%,204,26.8,Sideways,14.6,4.72,3.1,102,1,61,42,false,Buy,Add to core equity +1%,35,-1,BrokerB,LMT,85,None,None,Normal monitoring,85,17,179,5,false,Tax-aware sells next window
P2673,Hands-off,IRA,USD,2025-01-21,774666,46932,727734,1.0,72.5,20.6,0.0,7.0,AMZN:33.3%;MUB:33.3%;IEF:33.3%,US:57.0;EU:17.7;APAC:10.0;EM:11.5;Other:3.9,Value:-0.3;Growth:+0.3;Quality:-0.5;Size:+0.7;Momentum:-0.5;LowVol:-0.0,,6,35,4.7,hard 10%,102,13.4,Bull,14.2,4.56,2.8,109,109,100,44,false,Buy,Add to core equity +1%,-4,-21,BrokerB,MKT,93,None,None,Normal monitoring,-26,-31,51,5,false,Within IPS guidelines
P2674,Opportunistic,401k,USD,2024-12-14,621254,51624,569630,1.0,62.7,21.6,11.0,4.7,BND:33.3%;TLT:33.3%;MUB:33.3%,US:63.8;EU:14.3;APAC:9.2;EM:10.2;Other:2.4,Value:+0.9;Growth:-1.0;Quality:-0.2;Size:-0.8;Momentum:+0.3;LowVol:-0.4,MaxPos7%,7,25,4.5,hard 12%,261,25.3,Volatile,30.8,4.03,3.0,174,7,44,76,true,Reduce,"Cut high-beta by 2-3%, add cash",33,-9,BrokerC,MKT,96,RegimeShift,Reduce,Volatility spike and breadth deterioration,-5,-17,50,3,false,Increase defensive factor exposure
P2675,Active,Roth,USD,2025-04-04,2002400,155858,1846542,1.0,64.0,26.6,0.6,8.8,TLT:20.5%;HYG:26.5%;BND:26.5%;QQQ:26.5%,US:69.2;EU:8.7;APAC:11.3;EM:7.1;Other:3.9,Value:+0.1;Growth:-0.9;Quality:+0.6;Size:-0.3;Momentum:+0.8;LowVol:-0.9,,6,25,4.5,trailing 8%,136,22.7,Bull,13.8,3.52,2.6,119,90,100,45,true,Hedge,Buy index puts 1% notional,-2,-32,BrokerC,MKT,97,RegimeShift,Reduce,Volatility spike and breadth deterioration,23,-2,32,5,false,Within IPS guidelines
P2676,Systematic,Taxable,USD,2024-11-09,510002,37735,472267,1.0,61.6,21.0,7.5,9.9,VNQ:33.7%;TSLA:33.7%;QQQ:32.7%,US:63.7;EU:16.1;APAC:11.8;EM:7.7;Other:0.8,Value:-0.6;Growth:+0.5;Quality:+0.1;Size:+0.6;Momentum:-0.8;LowVol:-1.0,,8,30,5.3,hard 12%,167,27.2,Bear,27.3,3.25,1.7,176,7,38,81,true,Reduce,"Cut high-beta by 2-3%, add cash",-1,-30,BrokerA,LMT,98,Drift>tolerance,Hedge,Allocation drift beyond policy bands,87,-26,94,3,false,Monitor dispersion and breadth
P2677,Opportunistic,Trust,USD,2024-11-10,920842,65206,855636,1.0,72.6,20.3,0.0,7.1,IEF:35.3%;MUB:35.3%;HYG:29.4%,US:56.2;EU:21.3;APAC:12.4;EM:8.6;Other:1.4,Value:-0.3;Growth:+0.3;Quality:-0.5;Size:-0.8;Momentum:+1.0;LowVol:-0.3,MaxPos7%,6,35,6.5,trailing 7%,239,27.7,Volatile,28.4,3.52,4.3,176,-11,43,86,true,Reduce,"Cut high-beta by 2-3%, add cash",4,-37,BrokerA,LMT,86,Drift>tolerance,Hedge,Allocation drift beyond policy bands,100,-9,110,4,false,Increase defensive factor exposure
P2678,Hands-off,IRA,USD,2025-08-09,360742,27470,333272,1.0,59.6,15.5,15.7,9.2,QQQ:33.3%;MSFT:33.3%;VTI:33.3%,US:61.5;EU:13.2;APAC:13.1;EM:10.1;Other:2.2,Value:+0.7;Growth:-0.5;Quality:+0.3;Size:-0.9;Momentum:-0.0;LowVol:-0.7,ESGOnly,7,30,5.7,trailing 8%,145,18.9,Bear,23.4,3.13,2.7,179,-103,5,66,false,Rebalance,Shift +1% to bonds from equity,-9,-28,BrokerD,LMT,100,None,None,Normal monitoring,81,-35,67,3,false,Tighten stops on momentum names
P2679,Systematic,Roth,USD,2024-07-23,1100312,104421,995891,1.0,58.5,33.8,0.0,7.7,AMZN:19.8%;XLF:26.7%;VNQ:26.7%;VOO:26.7%,US:62.6;EU:8.5;APAC:13.9;EM:11.2;Other:3.9,Value:+0.3;Growth:-0.8;Quality:-0.5;Size:-0.9;Momentum:+0.1;LowVol:-0.8,NoDerivatives,7,35,5.1,trailing 8%,183,24.3,Sideways,15.0,4.02,2.3,122,-1,50,35,false,Buy,Add to core equity +1%,2,-25,BrokerD,MKT,95,None,None,Normal monitoring,75,-51,52,4,false,Monitor dispersion and breadth
P2680,Opportunistic,Trust,USD,2025-10-16,343524,15406,328118,1.0,67.7,19.2,8.7,4.5,VTI:33.3%;QQQ:33.3%;MUB:33.3%,US:70.4;EU:6.4;APAC:8.0;EM:10.5;Other:4.7,Value:+0.1;Growth:-0.4;Quality:+1.0;Size:+0.7;Momentum:+0.9;LowVol:+0.8,,8,30,5.8,hard 12%,265,21.7,Bull,13.7,3.62,2.4,92,114,99,45,false,Buy,Add to core equity +1%,12,-9,BrokerB,MKT,87,None,None,Normal monitoring,44,13,109,4,false,Tax-aware sells next window
P2681,Systematic,401k,USD,2025-08-03,1321903,96996,1224907,1.0,57.3,31.2,3.9,7.6,BRK.B:26.6%;VNQ:20.1%;QQQ:26.6%;AMZN:26.6%,US:68.6;EU:9.6;APAC:13.0;EM:3.6;Other:5.3,Value:-0.4;Growth:0.0;Quality:-0.8;Size:+0.2;Momentum:+1.0;LowVol:-0.5,,10,30,5.5,trailing 9%,204,18.5,Sideways,21.6,4.01,2.2,110,24,62,53,false,NoAction,Within bands; monitor,10,-5,BrokerD,LMT,94,None,None,Normal monitoring,-14,7,126,3,false,Within IPS guidelines
P2682,Active,Taxable,USD,2024-07-05,866948,95981,770967,1.0,54.4,23.5,15.3,6.8,HYG:28.8%;VNQ:35.6%;AAPL:35.6%,US:63.8;EU:15.2;APAC:8.6;EM:8.9;Other:3.5,Value:+0.3;Growth:+0.3;Quality:-0.7;Size:+0.6;Momentum:+0.2;LowVol:-0.9,,7,25,5.6,trailing 8%,214,22.7,Sideways,21.0,3.86,3.0,117,-22,32,44,false,Rebalance,Shift +1% to bonds from equity,24,-11,BrokerB,MKT,85,None,None,Normal monitoring,73,-46,40,4,false,Monitor dispersion and breadth
P2683,Opportunistic,Roth,USD,2024-11-29,1693663,59921,1633742,1.0,64.2,21.1,7.3,7.3,QQQ:12.4%;MSFT:23.0%;AMZN:24.0%;IEF:24.0%;VNQ:16.7%,US:62.7;EU:12.2;APAC:12.0;EM:12.2;Other:0.9,Value:-0.8;Growth:-0.3;Quality:-0.3;Size:+0.6;Momentum:-0.5;LowVol:-0.4,MaxPos7%,5,30,5.2,trailing 9%,162,28.5,Bull,18.0,4.88,2.4,112,24,75,47,true,Rebalance,Rebalance back to target bands,11,-25,BrokerB,MKT,86,VAR>budget,Reduce,Risk above budget threshold,106,-22,222,2,false,Monitor dispersion and breadth
P2684,Active,Roth,USD,2024-08-06,1271389,93394,1177995,1.0,66.9,27.9,0.0,5.2,MUB:17.2%;QQQ:18.1%;VNQ:14.2%;GLD:9.8%;MSFT:18.1%;HYG:22.6%,US:64.1;EU:10.9;APAC:7.4;EM:13.5;Other:4.1,Value:+0.4;Growth:+0.5;Quality:-0.0;Size:-0.0;Momentum:-0.5;LowVol:-0.4,,6,25,4.4,trailing 8%,198,16.3,Sideways,20.5,3.9,2.5,105,47,75,51,false,Rebalance,Shift +1% to bonds from equity,-2,-25,BrokerC,MKT,97,None,None,Normal monitoring,15,-1,71,4,false,Tax-aware sells next window
P2685,Hands-off,401k,USD,2024-11-20,159616,6854,152762,1.0,64.9,25.1,2.7,7.3,AAPL:28.6%;XLF:14.3%;AMZN:28.6%;TSLA:28.6%,US:62.9;EU:15.3;APAC:13.8;EM:4.7;Other:3.2,Value:-0.7;Growth:+0.9;Quality:-0.7;Size:-0.5;Momentum:+0.6;LowVol:+0.6,MaxPos8%,6,25,4.7,trailing 8%,93,15.3,Volatile,24.2,4.09,2.3,127,-37,30,73,true,Hedge,Buy index puts 1% notional,2,0,BrokerC,MKT,91,VAR>budget,Hedge,Risk above budget threshold,-54,14,38,2,false,Tighten stops on momentum names
P2686,Opportunistic,401k,USD,2025-06-16,1469147,130530,1338617,1.21,66.6,19.2,6.0,8.1,MUB:25.0%;VTI:25.0%;MSFT:25.0%;BRK.B:25.0%,US:64.5;EU:18.9;APAC:9.7;EM:6.3;Other:0.6,Value:-0.2;Growth:-0.4;Quality:-0.6;Size:+0.3;Momentum:+0.5;LowVol:+1.0,MaxPos6%,8,25,5.9,trailing 9%,184,26.9,Volatile,23.8,4.69,3.6,160,-5,36,61,false,Rebalance,Shift +1% to bonds from equity,19,-5,BrokerD,MKT,100,None,None,Normal monitoring,-13,-41,-18,4,false,Monitor dispersion and breadth
P2687,Active,401k,USD,2025-11-07,1833900,214036,1619864,1.0,54.3,27.7,10.9,7.1,TLT:22.8%;MUB:22.8%;BND:22.8%;BRK.B:22.8%;QQQ:8.7%,US:68.6;EU:10.9;APAC:5.8;EM:11.2;Other:3.4,Value:-0.5;Growth:-0.3;Quality:-0.7;Size:+0.7;Momentum:+0.5;LowVol:+1.0,,8,35,5.6,trailing 8%,152,24.2,Volatile,29.5,5.29,3.2,144,29,70,79,true,Hedge,Buy index puts 1% notional,9,14,BrokerC,LMT,98,VAR>budget,Hedge,Risk above budget threshold,25,-23,131,2,true,Tighten stops on momentum names
P2688,Hands-off,IRA,USD,2025-04-19,764906,63772,701134,1.0,63.1,16.0,11.6,9.3,MUB:26.3%;VOO:26.3%;AMZN:26.3%;QQQ:21.0%,US:68.7;EU:7.6;APAC:15.6;EM:4.1;Other:4.0,Value:+0.6;Growth:+0.9;Quality:-0.3;Size:+0.1;Momentum:+1.0;LowVol:-0.8,ESGOnly;MaxPos8%,7,25,3.5,hard 10%,121,12.4,Sideways,18.7,4.76,2.5,108,16,56,46,false,Buy,Add to core equity +1%,23,-4,BrokerD,LMT,100,None,None,Normal monitoring,37,0,164,5,false,Monitor dispersion and breadth
P2689,Systematic,Trust,USD,2025-06-19,597941,52013,545928,1.0,61.8,24.5,5.1,8.7,TLT:9.6%;VOO:22.7%;AAPL:22.7%;HYG:22.7%;TSLA:22.2%,US:67.9;EU:8.4;APAC:11.4;EM:9.0;Other:3.3,Value:-0.2;Growth:+0.3;Quality:+0.7;Size:+0.5;Momentum:-0.1;LowVol:-0.7,MaxPos7%,10,35,5.3,trailing 9%,230,26.0,Bull,17.7,3.74,2.7,114,80,90,44,false,NoAction,Within bands; monitor,12,-24,BrokerD,MKT,0,None,None,Normal monitoring,7,-44,86,4,false,Tighten stops on momentum names
P2690,Opportunistic,Taxable,USD,2024-11-25,391979,21488,370491,1.0,64.8,17.3,11.1,6.8,XLF:26.5%;AAPL:13.3%;QQQ:13.5%;VTI:20.2%;VOO:26.5%,US:76.0;EU:7.2;APAC:6.9;EM:5.4;Other:4.5,Value:-0.2;Growth:+0.7;Quality:+1.0;Size:+0.6;Momentum:-1.0;LowVol:-1.0,NoDerivatives,8,35,5.1,trailing 7%,209,22.1,Sideways,17.2,3.79,3.2,125,32,52,54,false,Rebalance,Shift +1% to bonds from equity,-14,-14,BrokerC,MKT,100,None,None,Normal monitoring,-11,7,67,4,false,Tax-aware sells next window
P2691,Active,401k,USD,2025-05-09,575655,48825,526830,1.0,64.2,27.0,0.0,8.8,VOO:33.3%;QQQ:33.3%;VNQ:33.3%,US:69.0;EU:10.8;APAC:11.1;EM:4.5;Other:4.7,Value:+0.9;Growth:+0.8;Quality:-0.2;Size:-0.4;Momentum:-0.8;LowVol:0.0,MaxPos5%,8,25,6.0,hard 12%,228,25.2,Volatile,25.4,5.31,4.5,139,40,58,72,true,Rebalance,Rebalance back to target bands,30,-21,BrokerC,LMT,92,VAR>budget,TightenStops,Risk above budget threshold,-22,-27,10,4,false,Tax-aware sells next window
P2692,Active,Taxable,USD,2025-07-28,2300676,151419,2149257,1.0,59.4,27.2,7.3,6.2,AMZN:33.3%;GLD:33.3%;HYG:33.3%,US:68.9;EU:12.7;APAC:10.7;EM:7.4;Other:0.3,Value:+0.7;Growth:+0.6;Quality:+0.7;Size:-0.0;Momentum:-0.2;LowVol:+0.3,MaxPos6%;NoDerivatives,7,25,4.2,trailing 8%,142,18.1,Bull,17.4,4.48,3.2,109,27,56,53,false,Sell,Trim extended winner -1%,-10,8,BrokerB,VWAP,94,None,None,Normal monitoring,21,18,66,3,false,Tighten stops on momentum names
P2693,Hands-off,IRA,USD,2025-08-13,502403,24406,477997,1.0,56.7,18.5,18.4,6.4,AMZN:16.7%;TSLA:12.1%;TLT:14.7%;BRK.B:14.8%;XLF:20.9%;VOO:20.9%,US:69.0;EU:15.5;APAC:10.7;EM:4.3;Other:0.5,Value:+0.3;Growth:+0.4;Quality:+0.5;Size:-0.4;Momentum:-0.5;LowVol:+0.7,ESGOnly;MaxPos6%;NoDerivatives,6,25,3.1,hard 10%,163,15.4,Sideways,19.8,4.15,2.1,98,48,82,44,true,Hedge,Buy index puts 1% notional,13,-10,BrokerD,MKT,86,Drift>tolerance,Reduce,Allocation drift beyond policy bands,52,-53,44,5,true,Within IPS guidelines
P2694,Cautious,Roth,USD,2024-10-29,598635,95581,503054,1.0,38.0,37.8,10.9,13.3,IEF:8.3%;BND:23.6%;TLT:23.6%;AMZN:13.1%;VOO:23.6%;GLD:7.9%,US:54.2;EU:15.4;APAC:14.0;EM:11.7;Other:4.7,Value:+1.0;Growth:-0.5;Quality:-0.2;Size:+0.6;Momentum:+0.1;LowVol:+0.8,NoDerivatives;NoMargin,6,30,4.6,trailing 10%,132,12.9,Bull,16.7,4.68,3.1,102,59,91,28,false,Buy,Add to core equity +1%,-7,-14,BrokerB,VWAP,92,None,None,Normal monitoring,116,-5,216,5,false,Monitor dispersion and breadth
P2695,Systematic,Trust,USD,2025-12-24,1882153,93601,1788552,1.0,58.3,23.4,11.3,7.0,BND:24.8%;MSFT:23.9%;AMZN:24.8%;VOO:11.8%;QQQ:14.6%,US:69.8;EU:7.7;APAC:11.2;EM:7.1;Other:4.2,Value:-0.3;Growth:+0.8;Quality:-0.4;Size:-0.4;Momentum:+1.0;LowVol:-0.8,MaxPos8%,6,30,5.8,hard 12%,215,20.4,Volatile,23.6,4.92,4.4,174,20,71,70,true,Hedge,Buy index puts 1% notional,9,-13,BrokerC,MKT,89,Drift>tolerance,Reduce,Allocation drift beyond policy bands,26,17,139,4,false,Tighten stops on momentum names
P2696,Cautious,Taxable,USD,2025-01-06,333480,34112,299368,1.0,42.3,41.1,0.0,16.6,AMZN:30.5%;MUB:34.8%;TLT:34.8%,US:76.0;EU:11.1;APAC:8.5;EM:3.5;Other:0.9,Value:-0.6;Growth:-0.1;Quality:+0.3;Size:-0.3;Momentum:-0.6;LowVol:+0.6,NoDerivatives;NoMargin,8,35,5.3,trailing 10%,110,19.7,Sideways,18.7,4.73,3.3,122,10,70,52,false,Rebalance,Shift +1% to bonds from equity,15,15,BrokerB,MKT,94,None,None,Normal monitoring,76,-11,106,3,false,Tighten stops on momentum names
P2697,Hands-off,Roth,USD,2025-06-14,872122,49602,822520,1.0,66.2,25.2,0.0,8.5,MUB:19.8%;MSFT:22.4%;XLF:22.4%;TLT:20.3%;BRK.B:15.2%,US:67.8;EU:7.8;APAC:15.9;EM:4.9;Other:3.7,Value:+0.7;Growth:-1.0;Quality:-0.9;Size:-0.3;Momentum:+0.7;LowVol:-0.2,ESGOnly;MaxPos6%,5,25,4.6,trailing 8%,96,16.0,Volatile,27.4,5.1,3.1,124,50,84,68,false,Sell,Trim extended winner -1%,-8,6,BrokerD,LMT,100,None,None,Normal monitoring,-40,16,57,4,false,Within IPS guidelines
P2698,Opportunistic,Taxable,USD,2025-10-30,1279749,106030,1173719,1.0,62.5,17.9,11.0,8.6,TSLA:22.5%;VTI:22.5%;TLT:22.5%;VOO:17.8%;AAPL:14.8%,US:65.2;EU:10.2;APAC:10.8;EM:11.8;Other:2.0,Value:+0.1;Growth:-0.5;Quality:-0.6;Size:+0.7;Momentum:+0.3;LowVol:+0.9,NoDerivatives,7,35,4.1,trailing 7%,179,27.8,Sideways,17.3,4.12,2.7,113,-24,25,52,false,Sell,Trim extended winner -1%,-1,-8,BrokerC,LMT,90,None,None,Normal monitoring,-46,-32,84,3,false,Monitor dispersion and breadth
P2699,Opportunistic,IRA,USD,2024-08-24,1439686,118696,1320990,1.0,69.5,19.3,3.6,7.6,BND:19.8%;AAPL:13.7%;QQQ:17.0%;VNQ:21.0%;VTI:16.1%;MUB:12.4%,US:73.7;EU:8.0;APAC:10.5;EM:6.4;Other:1.5,Value:-0.6;Growth:-0.9;Quality:+0.9;Size:+0.7;Momentum:+0.1;LowVol:-0.1,MaxPos6%;NoDerivatives,10,30,4.4,hard 12%,224,20.5,Bull,16.0,4.72,3.0,99,88,88,60,false,Buy,Add to core equity +1%,-12,-29,BrokerD,LMT,86,None,None,Normal monitoring,-43,-55,-46,5,false,Tax-aware sells next window
P2700,Active,401k,USD,2025-02-12,935765,80696,855069,1.16,68.1,19.1,7.1,5.7,VOO:7.1%;BND:20.4%;TSLA:6.9%;MSFT:22.5%;QQQ:20.6%;TLT:22.5%,US:71.2;EU:8.6;APAC:8.0;EM:10.6;Other:1.6,Value:-0.6;Growth:+0.2;Quality:-0.1;Size:+0.7;Momentum:-0.8;LowVol:+0.9,,5,30,4.5,trailing 8%,183,27.3,Sideways,14.8,4.64,2.3,139,53,61,55,false,Rebalance,Shift +1% to bonds from equity,15,12,BrokerD,MKT,93,None,None,Normal monitoring,40,-19,115,3,false,Tighten stops on momentum names
P2701,Opportunistic,Trust,USD,2025-09-05,1256938,70079,1186859,1.0,62.7,20.4,12.7,4.2,AMZN:25.0%;TLT:25.0%;VTI:25.0%;BRK.B:25.0%,US:64.6;EU:14.7;APAC:9.2;EM:7.4;Other:4.1,Value:-0.2;Growth:+0.5;Quality:-0.5;Size:+0.2;Momentum:-0.3;LowVol:0.0,,5,25,6.6,trailing 7%,227,22.0,Volatile,27.4,4.04,2.5,141,51,80,65,false,Sell,Trim extended winner -1%,4,-30,BrokerA,LMT,90,None,None,Normal monitoring,-31,-60,-31,3,false,Within IPS guidelines
P2702,Opportunistic,Taxable,USD,2024-11-09,1176487,89714,1086773,1.0,60.4,16.7,15.5,7.5,BND:12.1%;HYG:10.2%;QQQ:21.6%;IEF:13.0%;BRK.B:21.6%;MUB:21.6%,US:70.0;EU:10.5;APAC:9.8;EM:6.9;Other:2.9,Value:+0.1;Growth:-0.6;Quality:-0.2;Size:+0.6;Momentum:-0.1;LowVol:+0.1,,5,25,4.0,trailing 7%,268,25.3,Volatile,31.6,4.24,3.5,148,-14,33,74,true,Hedge,Buy index puts 1% notional,20,8,BrokerA,MKT,98,VAR>budget,Hedge,Risk above budget threshold,-30,18,80,5,false,Tighten stops on momentum names
P2703,Hands-off,Trust,USD,2025-02-08,681236,42931,638305,1.0,68.7,21.6,2.1,7.6,MSFT:22.3%;TLT:20.9%;GLD:10.4%;IEF:23.2%;BRK.B:23.2%,US:64.3;EU:17.2;APAC:8.8;EM:9.3;Other:0.4,Value:+0.4;Growth:+0.4;Quality:+0.5;Size:+0.7;Momentum:+0.3;LowVol:-0.7,ESGOnly;MaxPos6%,5,30,5.8,hard 10%,140,14.8,Sideways,16.5,4.85,3.5,107,-15,30,50,true,Hedge,Buy index puts 1% notional,-3,-5,BrokerC,MKT,94,Drift>tolerance,Hedge,Allocation drift beyond policy bands,99,-16,95,4,false,Tighten stops on momentum names
P2704,Cautious,IRA,USD,2025-01-02,543304,73757,469547,1.0,49.1,40.4,0.0,10.4,MUB:33.3%;AMZN:33.3%;AAPL:33.3%,US:60.3;EU:18.4;APAC:11.9;EM:8.5;Other:0.9,Value:-0.7;Growth:-0.8;Quality:+0.4;Size:+0.8;Momentum:-1.0;LowVol:-0.4,NoMargin,10,30,5.7,trailing 8%,139,18.6,Bull,14.6,4.27,2.7,78,93,94,29,false,Rebalance,Shift +1% to bonds from equity,16,-34,BrokerD,VWAP,99,None,None,Normal monitoring,-22,-56,82,4,false,Monitor dispersion and breadth
P2705,Active,Taxable,USD,2024-08-02,797178,48338,748840,1.0,53.8,23.5,14.8,7.8,AMZN:8.9%;TLT:21.5%;QQQ:18.9%;IEF:11.6%;XLF:18.3%;BRK.B:20.9%,US:76.9;EU:9.1;APAC:7.1;EM:4.2;Other:2.7,Value:+0.9;Growth:-0.0;Quality:+0.1;Size:+0.4;Momentum:+0.2;LowVol:-0.7,,6,25,4.3,hard 12%,148,16.3,Bull,15.5,4.27,3.2,80,38,75,44,true,Reduce,"Cut high-beta by 2-3%, add cash",30,6,BrokerD,MKT,86,VAR>budget,Hedge,Risk above budget threshold,-2,-30,-35,5,false,Tighten stops on momentum names
P2706,Cautious,Roth,USD,2025-06-23,230810,18646,212164,1.0,39.6,34.7,13.7,12.0,TSLA:33.3%;MUB:33.3%;HYG:33.3%,US:67.4;EU:12.0;APAC:8.8;EM:11.8;Other:0.0,Value:-0.3;Growth:+0.1;Quality:+0.6;Size:+0.6;Momentum:-0.5;LowVol:-0.4,MaxPos8%;NoMargin,10,30,5.5,trailing 8%,116,16.0,Bear,30.8,3.55,2.1,136,27,73,56,false,Buy,Add to core equity +1%,-13,-15,BrokerC,LMT,99,None,None,Normal monitoring,73,-5,205,3,false,Increase defensive factor exposure
P2707,Active,Roth,USD,2024-07-16,1880485,122613,1757872,1.25,59.2,19.0,13.2,8.5,QQQ:9.4%;AMZN:24.9%;TLT:15.8%;BND:24.9%;VOO:24.9%,US:62.2;EU:18.5;APAC:12.8;EM:4.6;Other:2.0,Value:-0.5;Growth:-0.3;Quality:-0.0;Size:+0.8;Momentum:-0.7;LowVol:-0.9,,10,25,4.2,trailing 9%,165,17.3,Sideways,19.6,3.78,3.4,96,23,54,47,true,Hedge,Buy index puts 1% notional,-3,-7,BrokerB,MKT,86,VAR>budget,Pause,Risk above budget threshold,-1,19,33,2,false,Increase defensive factor exposure
P2708,Hands-off,Roth,USD,2025-03-16,393841,19016,374825,1.0,68.7,16.3,6.2,8.9,QQQ:18.3%;XLF:16.2%;TLT:20.0%;AMZN:11.3%;BRK.B:14.2%;MUB:20.0%,US:63.5;EU:11.7;APAC:12.9;EM:11.4;Other:0.6,Value:-1.0;Growth:-0.2;Quality:-0.5;Size:-0.1;Momentum:+0.9;LowVol:+0.4,ESGOnly;NoDerivatives,10,35,3.4,trailing 10%,91,15.1,Volatile,21.5,4.34,2.8,173,-34,41,65,false,Buy,Add to core equity +1%,14,-21,BrokerD,LMT,95,None,None,Normal monitoring,-12,-46,74,4,false,Increase defensive factor exposure
P2709,Opportunistic,401k,USD,2025-09-11,1765357,99323,1666034,1.0,70.9,15.3,9.5,4.3,XLF:15.5%;VTI:18.1%;TLT:11.2%;IEF:12.0%;MUB:21.6%;BRK.B:21.6%,US:62.8;EU:13.6;APAC:9.6;EM:12.4;Other:1.5,Value:-0.0;Growth:-0.3;Quality:-0.2;Size:+0.9;Momentum:-0.8;LowVol:+0.6,,6,35,4.9,trailing 7%,196,33.8,Bull,17.3,4.26,2.6,93,82,76,47,false,NoAction,Within bands; monitor,31,6,BrokerD,MKT,0,None,None,Normal monitoring,51,-58,107,4,false,Tighten stops on momentum names
P2710,Systematic,Roth,USD,2025-05-19,1296267,69468,1226799,1.0,60.5,30.7,0.0,8.8,MUB:28.3%;IEF:35.8%;HYG:35.8%,US:65.0;EU:14.8;APAC:12.5;EM:7.3;Other:0.5,Value:+0.8;Growth:-0.8;Quality:-1.0;Size:+0.7;Momentum:+0.6;LowVol:+0.5,,5,30,4.7,trailing 8%,164,26.2,Volatile,25.7,3.68,3.9,152,20,75,67,false,Hedge,Add TLT +1% as duration hedge,19,0,BrokerB,MKT,90,None,None,Normal monitoring,-52,0,-89,3,false,Increase defensive factor exposure
P2711,Active,Taxable,USD,2025-12-25,2195589,241511,1954078,1.0,67.5,20.9,4.6,7.0,BRK.B:33.3%;GLD:33.3%;HYG:33.3%,US:57.6;EU:18.3;APAC:8.8;EM:13.1;Other:2.2,Value:-0.7;Growth:-0.8;Quality:-0.2;Size:-0.3;Momentum:+0.8;LowVol:+0.2,NoDerivatives,10,30,4.8,trailing 8%,139,16.7,Bull,16.5,4.54,2.7,80,90,84,58,true,Hedge,Buy index puts 1% notional,18,8,BrokerB,LMT,99,RegimeShift,Hedge,Volatility spike and breadth deterioration,-25,-4,30,4,true,Increase defensive factor exposure
P2712,Opportunistic,IRA,USD,2024-07-21,1330915,42673,1288242,1.0,61.5,13.1,18.0,7.4,QQQ:20.8%;VNQ:16.4%;VTI:18.6%;HYG:5.9%;MUB:20.8%;AAPL:17.5%,US:73.9;EU:5.2;APAC:6.7;EM:11.6;Other:2.6,Value:+0.8;Growth:+0.4;Quality:+0.1;Size:+0.4;Momentum:-0.5;LowVol:+0.9,,7,35,4.1,trailing 7%,227,33.2,Bull,17.4,4.08,2.2,119,17,61,56,false,Sell,Trim extended winner -1%,30,-23,BrokerB,LMT,93,None,None,Normal monitoring,60,-29,34,3,false,Tighten stops on momentum names
P2713,Systematic,401k,USD,2025-02-03,1594892,141345,1453547,1.0,65.5,27.1,0.0,7.4,GLD:25.1%;MUB:25.1%;VNQ:25.1%;MSFT:24.8%,US:60.5;EU:14.4;APAC:14.0;EM:8.6;Other:2.4,Value:-0.2;Growth:+0.1;Quality:+0.3;Size:-0.3;Momentum:-0.6;LowVol:+0.8,,5,25,6.0,trailing 8%,164,22.7,Bull,13.8,4.43,2.8,93,79,85,52,false,NoAction,Within bands; monitor,3,-18,BrokerB,LMT,87,None,None,Normal monitoring,71,5,58,4,false,Within IPS guidelines
P2714,Opportunistic,Roth,USD,2024-07-08,310489,24102,286387,1.0,64.6,14.2,14.3,6.9,BND:34.1%;XLF:31.8%;TSLA:34.1%,US:68.2;EU:9.5;APAC:9.5;EM:12.4;Other:0.3,Value:-0.6;Growth:+0.1;Quality:+0.2;Size:-0.6;Momentum:+0.4;LowVol:-0.5,NoDerivatives,8,35,4.6,trailing 9%,260,30.5,Bull,16.9,3.92,2.5,72,2,49,47,false,Rebalance,Shift +1% to bonds from equity,14,6,BrokerA,LMT,96,None,None,Normal monitoring,71,-18,150,5,false,Monitor dispersion and breadth
P2715,Opportunistic,Trust,USD,2025-06-25,886677,78752,807925,1.0,69.7,21.8,3.7,4.8,AMZN:38.5%;VOO:22.9%;IEF:38.5%,US:64.9;EU:18.5;APAC:5.6;EM:10.1;Other:0.9,Value:0.0;Growth:-0.9;Quality:+0.5;Size:+0.5;Momentum:-0.0;LowVol:-0.3,MaxPos8%;NoDerivatives,5,25,5.4,trailing 7%,206,31.5,Sideways,20.5,4.22,3.1,105,9,47,65,false,Rebalance,Shift +1% to bonds from equity,5,-4,BrokerB,VWAP,99,None,None,Normal monitoring,-31,-9,-8,4,false,Tax-aware sells next window
P2716,Active,Taxable,USD,2025-02-06,1583598,154898,1428700,1.0,53.8,23.9,16.1,6.2,GLD:33.3%;AMZN:33.3%;AAPL:33.3%,US:78.0;EU:7.2;APAC:5.9;EM:4.7;Other:4.2,Value:-0.7;Growth:+0.4;Quality:-1.0;Size:+0.8;Momentum:-0.7;LowVol:-0.5,,10,25,5.7,hard 12%,160,20.0,Bull,14.7,4.16,2.3,117,86,100,42,false,Sell,Trim extended winner -1%,2,0,BrokerC,LMT,85,None,None,Normal monitoring,-59,-35,-40,4,false,Within IPS guidelines
P2717,Hands-off,Roth,USD,2025-11-04,720569,42314,678255,1.0,56.0,18.9,17.8,7.4,VOO:24.4%;BRK.B:25.2%;IEF:25.2%;QQQ:25.2%,US:71.0;EU:7.1;APAC:6.4;EM:10.6;Other:4.8,Value:-0.9;Growth:+0.6;Quality:-0.7;Size:-0.3;Momentum:+0.1;LowVol:+0.3,ESGOnly;MaxPos5%,5,35,3.2,trailing 8%,106,18.7,Sideways,18.0,4.15,2.1,131,34,64,44,true,Hedge,Buy index puts 1% notional,-13,-36,BrokerA,MKT,88,VAR>budget,Pause,Risk above budget threshold,6,-20,122,3,false,Within IPS guidelines
P2718,Cautious,401k,USD,2025-12-07,761397,117408,643989,1.0,35.3,37.4,14.3,13.0,XLF:13.4%;VOO:24.0%;AMZN:8.0%;TSLA:9.9%;MSFT:24.0%;TLT:20.8%,US:74.0;EU:10.4;APAC:6.6;EM:3.9;Other:5.0,Value:+0.2;Growth:+0.8;Quality:+0.5;Size:+0.6;Momentum:-0.2;LowVol:+0.6,NoMargin,10,30,3.8,trailing 8%,158,14.5,Bull,17.7,4.03,2.6,109,67,73,40,false,Rebalance,Shift +1% to bonds from equity,20,-24,BrokerA,MKT,85,None,None,Normal monitoring,-45,-57,50,5,false,Increase defensive factor exposure
P2719,Active,IRA,USD,2024-09-05,1640471,128726,1511745,1.0,63.3,23.4,6.7,6.6,VTI:33.3%;HYG:33.3%;GLD:33.3%,US:69.4;EU:10.9;APAC:8.6;EM:9.7;Other:1.3,Value:+0.1;Growth:-0.0;Quality:-0.2;Size:+0.8;Momentum:+0.9;LowVol:+0.5,,8,30,5.6,trailing 8%,144,21.9,Bull,17.1,4.88,2.3,87,74,81,52,false,Sell,Trim extended winner -1%,10,9,BrokerD,LMT,85,None,None,Normal monitoring,55,-19,92,3,false,Tax-aware sells next window
P2720,Systematic,Trust,USD,2024-07-05,1615666,139475,1476191,1.0,58.8,31.7,0.0,9.5,VNQ:21.6%;XLF:21.6%;HYG:18.2%;VOO:16.9%;QQQ:21.6%,US:64.5;EU:11.7;APAC:14.3;EM:7.7;Other:1.8,Value:-0.9;Growth:+0.2;Quality:+0.8;Size:+0.7;Momentum:-0.7;LowVol:-0.7,,8,30,4.2,trailing 8%,157,27.2,Bear,28.1,4.29,2.5,157,-56,22,70,true,Rebalance,Rebalance back to target bands,33,-29,BrokerB,MKT,86,Drift>tolerance,Reduce,Allocation drift beyond policy bands,13,11,29,2,false,Increase defensive factor exposure
P2721,Hands-off,Roth,USD,2025-11-17,259256,14219,245037,1.0,69.0,16.9,5.5,8.6,BRK.B:11.5%;GLD:18.0%;MUB:12.6%;AAPL:15.7%;TSLA:21.1%;VNQ:21.1%,US:69.8;EU:5.9;APAC:13.4;EM:6.5;Other:4.4,Value:-0.8;Growth:0.0;Quality:+0.4;Size:-0.5;Momentum:+0.6;LowVol:-0.3,MaxPos7%,7,35,6.0,trailing 8%,143,17.2,Bull,14.8,4.72,2.7,88,37,64,44,false,Rebalance,Shift +1% to bonds from equity,-5,10,BrokerA,VWAP,91,None,None,Normal monitoring,-53,-47,-70,3,false,Within IPS guidelines
P2722,Active,Trust,USD,2025-01-06,1563755,126175,1437580,1.0,59.8,23.6,9.0,7.6,AMZN:33.3%;MSFT:33.3%;HYG:33.3%,US:65.3;EU:13.1;APAC:11.4;EM:8.8;Other:1.4,Value:0.0;Growth:-0.1;Quality:+0.1;Size:+0.9;Momentum:-0.2;LowVol:+0.9,NoDerivatives,8,25,4.4,trailing 9%,222,23.9,Bull,13.6,4.61,3.1,74,52,70,37,false,Rebalance,Shift +1% to bonds from equity,31,7,BrokerB,VWAP,95,None,None,Normal monitoring,112,-21,215,3,false,Tax-aware sells next window
P2723,Systematic,IRA,USD,2025-09-16,1235383,57220,1178163,1.0,59.8,30.8,0.0,9.4,VNQ:9.7%;XLF:22.4%;QQQ:22.4%;AAPL:13.5%;TLT:9.6%;VOO:22.4%,US:74.3;EU:8.6;APAC:6.6;EM:5.0;Other:5.5,Value:+0.4;Growth:-0.5;Quality:-0.8;Size:-0.7;Momentum:-0.3;LowVol:-0.4,,5,30,4.7,trailing 9%,169,19.2,Sideways,21.1,4.33,2.8,103,-4,62,67,false,Buy,Add to core equity +1%,-15,-35,BrokerD,MKT,92,None,None,Normal monitoring,-45,15,-53,3,false,Within IPS guidelines
P2724,Hands-off,Taxable,USD,2025-12-14,868338,65074,803264,1.0,69.3,20.0,1.3,9.5,XLF:25.9%;GLD:22.4%;BRK.B:25.9%;VOO:25.9%,US:77.7;EU:5.5;APAC:5.8;EM:7.9;Other:3.1,Value:-0.2;Growth:-0.4;Quality:+0.6;Size:-0.9;Momentum:+0.3;LowVol:-1.0,ESGOnly;MaxPos6%;NoDerivatives,10,25,4.0,trailing 10%,150,12.7,Sideways,15.1,3.54,2.0,140,24,69,57,false,Buy,Add to core equity +1%,3,-27,BrokerC,MKT,98,None,None,Normal monitoring,98,-22,201,3,false,Within IPS guidelines
P2725,Cautious,Roth,USD,2025-05-20,834975,89579,745396,1.0,35.7,38.9,8.3,17.2,VOO:16.4%;AAPL:23.4%;GLD:23.4%;AMZN:23.4%;MUB:13.4%,US:71.6;EU:8.4;APAC:8.5;EM:6.8;Other:4.7,Value:-0.3;Growth:-0.3;Quality:+0.5;Size:+0.9;Momentum:+0.7;LowVol:+0.8,ESGOnly;NoMargin,7,35,3.6,trailing 10%,152,12.7,Volatile,29.4,3.8,2.3,173,-55,16,64,false,Rebalance,Shift +1% to bonds from equity,-12,-21,BrokerB,LMT,88,None,None,Normal monitoring,46,17,70,4,false,Tighten stops on momentum names
P2726,Cautious,Taxable,USD,2025-03-20,891418,133946,757472,1.0,41.3,39.9,8.3,10.6,GLD:27.8%;QQQ:27.8%;VOO:16.5%;AAPL:27.8%,US:66.1;EU:13.5;APAC:11.7;EM:8.5;Other:0.2,Value:-0.2;Growth:+0.4;Quality:-0.7;Size:-0.6;Momentum:+0.6;LowVol:+0.5,NoMargin,5,35,4.5,hard 10%,144,15.3,Bear,34.9,3.63,2.6,190,-97,5,78,true,Hedge,Buy index puts 1% notional,-15,8,BrokerD,MKT,100,VAR>budget,TightenStops,Risk above budget threshold,51,-35,67,3,false,Increase defensive factor exposure
P2727,Opportunistic,Roth,USD,2025-03-03,1552849,61088,1491761,1.0,63.4,11.5,17.3,7.9,HYG:35.3%;XLF:35.3%;MUB:29.5%,US:67.3;EU:6.0;APAC:14.1;EM:10.6;Other:2.0,Value:-0.4;Growth:-0.2;Quality:+0.2;Size:+0.7;Momentum:+0.5;LowVol:+0.8,MaxPos8%;NoDerivatives,7,25,4.9,hard 12%,247,20.7,Volatile,23.2,4.4,3.0,137,72,80,64,false,Sell,Trim extended winner -1%,17,13,BrokerD,MKT,97,None,None,Normal monitoring,119,-33,91,4,false,Increase defensive factor exposure
P2728,Systematic,Trust,USD,2025-07-17,931870,82407,849463,1.0,57.6,34.2,0.8,7.4,GLD:33.3%;VNQ:33.3%;QQQ:33.3%,US:67.6;EU:9.0;APAC:13.7;EM:9.3;Other:0.5,Value:+0.8;Growth:-0.1;Quality:-0.4;Size:-0.4;Momentum:+0.3;LowVol:+0.1,MaxPos8%,7,25,5.4,hard 12%,151,22.4,Volatile,22.2,5.22,2.2,126,-1,54,62,false,Rebalance,Shift +1% to bonds from equity,25,-25,BrokerC,LMT,94,None,None,Normal monitoring,13,20,84,4,false,Within IPS guidelines
P2729,Cautious,Trust,USD,2024-10-05,817941,99021,718920,1.0,38.7,32.1,14.5,14.8,MUB:22.7%;VTI:25.8%;AAPL:25.8%;TLT:25.8%,US:72.6;EU:12.3;APAC:5.3;EM:8.2;Other:1.6,Value:-0.7;Growth:+0.6;Quality:+0.3;Size:-0.1;Momentum:+0.8;LowVol:-0.2,ESGOnly;MaxPos8%;NoMargin,10,25,4.4,hard 10%,92,15.3,Bear,25.1,4.16,1.7,174,-8,56,62,false,Hedge,Add TLT +1% as duration hedge,4,-30,BrokerC,VWAP,92,None,None,Normal monitoring,68,20,131,5,false,Monitor dispersion and breadth
P2730,Opportunistic,IRA,USD,2025-07-12,637814,48424,589390,1.0,75.4,10.7,8.7,5.1,AMZN:6.6%;BRK.B:17.6%;IEF:20.9%;XLF:14.8%;QQQ:20.9%;TLT:19.1%,US:70.7;EU:18.7;APAC:6.4;EM:4.0;Other:0.2,Value:+0.4;Growth:+0.2;Quality:+0.6;Size:+0.5;Momentum:+0.1;LowVol:-0.1,MaxPos7%,5,25,4.3,trailing 7%,223,32.8,Volatile,24.5,3.96,3.2,133,19,49,67,false,NoAction,Within bands; monitor,17,-11,BrokerD,MKT,0,None,None,Normal monitoring,-54,-56,-70,3,false,Tighten stops on momentum names
P2731,Opportunistic,Trust,USD,2025-12-23,622387,22334,600053,1.0,68.7,13.8,11.5,5.9,TLT:23.1%;TSLA:14.9%;VNQ:15.7%;MSFT:14.0%;VOO:23.1%;IEF:9.2%,US:71.4;EU:12.1;APAC:9.8;EM:5.3;Other:1.3,Value:-0.1;Growth:+0.8;Quality:-0.2;Size:-0.8;Momentum:+0.4;LowVol:-0.8,MaxPos5%,5,35,6.3,hard 12%,200,22.6,Sideways,21.0,4.33,2.1,95,25,56,58,false,Sell,Trim extended winner -1%,24,-31,BrokerC,MKT,90,None,None,Normal monitoring,-21,-18,62,3,false,Monitor dispersion and breadth
P2732,Systematic,Roth,USD,2025-03-19,1256509,83545,1172964,1.0,65.2,25.6,3.5,5.8,GLD:9.1%;XLF:16.9%;AMZN:17.5%;TLT:19.8%;VTI:18.5%;VOO:18.1%,US:61.4;EU:12.1;APAC:14.3;EM:7.2;Other:5.0,Value:+0.3;Growth:+1.0;Quality:-0.5;Size:-0.6;Momentum:-0.0;LowVol:-0.5,,6,25,4.2,hard 12%,182,16.5,Bull,13.6,4.49,2.4,91,61,87,55,false,Hedge,Add TLT +1% as duration hedge,0,-16,BrokerA,MKT,98,None,None,Normal monitoring,14,-34,47,5,false,Tax-aware sells next window
P2733,Hands-off,IRA,USD,2025-03-09,327022,32517,294505,1.0,64.7,19.0,9.1,7.1,BND:33.7%;VTI:33.7%;BRK.B:32.6%,US:66.5;EU:17.9;APAC:6.2;EM:8.4;Other:1.0,Value:+0.5;Growth:+0.8;Quality:+0.7;Size:-0.4;Momentum:-0.3;LowVol:-0.8,ESGOnly;MaxPos5%;NoDerivatives,5,25,4.2,trailing 10%,149,17.4,Sideways,14.8,3.86,3.5,123,13,47,53,false,Rebalance,Shift +1% to bonds from equity,-6,-36,BrokerB,MKT,85,None,None,Normal monitoring,46,-36,22,5,false,Tax-aware sells next window
P2734,Opportunistic,IRA,USD,2025-12-14,948623,35525,913098,1.14,72.1,18.1,1.9,7.9,VNQ:26.0%;MSFT:26.0%;TLT:22.8%;MUB:25.3%,US:81.0;EU:6.3;APAC:8.0;EM:3.8;Other:0.9,Value:+0.8;Growth:+0.6;Quality:+0.7;Size:+0.1;Momentum:-0.6;LowVol:-0.7,,6,35,4.3,trailing 7%,263,33.3,Sideways,19.8,3.68,2.0,124,54,76,55,false,Buy,Add to core equity +1%,-12,-28,BrokerB,MKT,91,None,None,Normal monitoring,-44,-43,36,3,false,Increase defensive factor exposure
P2735,Active,401k,USD,2025-07-04,2072826,129172,1943654,1.19,59.7,27.2,3.3,9.7,AMZN:17.3%;HYG:18.8%;AAPL:11.3%;QQQ:10.2%;TSLA:21.4%;VNQ:21.1%,US:72.6;EU:6.2;APAC:16.3;EM:4.0;Other:0.8,Value:-0.2;Growth:-0.4;Quality:-0.9;Size:-0.1;Momentum:+0.4;LowVol:+1.0,MaxPos5%;NoDerivatives,5,35,5.7,trailing 9%,165,21.0,Volatile,30.0,3.9,3.8,126,-30,26,69,false,Buy,Add to core equity +1%,-8,-13,BrokerB,MKT,90,None,None,Normal monitoring,95,-16,64,5,false,Tax-aware sells next window
P2736,Systematic,Taxable,USD,2025-03-08,1331010,58375,1272635,1.0,62.1,31.5,0.0,6.4,IEF:33.3%;TSLA:33.3%;AMZN:33.3%,US:56.9;EU:18.5;APAC:7.0;EM:13.3;Other:4.3,Value:0.0;Growth:-0.9;Quality:+0.9;Size:+0.3;Momentum:-0.0;LowVol:-0.6,,7,30,5.0,trailing 9%,217,20.4,Sideways,21.3,4.22,2.5,96,4,57,63,false,Rebalance,Shift +1% to bonds from equity,-13,-27,BrokerA,VWAP,88,None,None,Normal monitoring,90,-45,190,5,false,Tax-aware sells next window
P2737,Cautious,Trust,USD,2025-05-23,816984,97444,719540,1.0,49.3,34.2,0.6,15.8,XLF:9.5%;BRK.B:24.3%;MUB:18.4%;VTI:24.3%;QQQ:23.5%,US:74.9;EU:8.7;APAC:10.4;EM:4.8;Other:1.2,Value:+0.1;Growth:-1.0;Quality:+0.2;Size:+0.2;Momentum:-0.8;LowVol:-0.9,ESGOnly;NoMargin,6,30,4.6,trailing 8%,104,18.8,Volatile,22.6,4.79,3.0,122,-32,38,49,false,Sell,Trim extended winner -1%,-12,-25,BrokerD,LMT,92,None,None,Normal monitoring,53,-27,35,5,false,Tax-aware sells next window
P2738,Hands-off,Trust,USD,2024-11-23,196110,13487,182623,1.0,61.6,24.6,4.2,9.7,VOO:25.0%;MSFT:25.0%;XLF:25.0%;VNQ:25.0%,US:72.0;EU:9.1;APAC:8.5;EM:6.1;Other:4.3,Value:+0.4;Growth:-0.5;Quality:-0.7;Size:+0.2;Momentum:+0.8;LowVol:+1.0,MaxPos5%;NoDerivatives,7,25,5.0,trailing 8%,166,19.5,Bull,14.9,3.76,2.8,70,63,78,37,false,Rebalance,Shift +1% to bonds from equity,1,9,BrokerB,VWAP,98,None,None,Normal monitoring,-8,5,-18,5,false,Within IPS guidelines
P2739,Hands-off,Roth,USD,2024-11-03,603370,41916,561454,1.0,57.9,25.9,7.9,8.3,VTI:10.2%;BND:13.0%;VNQ:22.6%;XLF:22.6%;AMZN:22.6%;MSFT:8.9%,US:69.3;EU:10.9;APAC:12.8;EM:3.1;Other:3.8,Value:+0.9;Growth:-0.6;Quality:-0.6;Size:-0.0;Momentum:-0.6;LowVol:-0.5,ESGOnly;MaxPos5%,7,25,5.9,trailing 8%,162,17.7,Sideways,18.2,4.33,2.8,94,-1,50,48,false,Buy,Add to core equity +1%,-1,3,BrokerA,LMT,92,None,None,Normal monitoring,34,1,137,4,false,Monitor dispersion and breadth
P2740,Systematic,Taxable,USD,2024-08-06,465678,23495,442183,1.0,62.6,28.0,0.0,9.4,QQQ:18.8%;TLT:10.8%;VTI:16.5%;MSFT:21.5%;IEF:15.5%;BRK.B:16.9%,US:73.9;EU:8.2;APAC:6.5;EM:9.1;Other:2.3,Value:+0.2;Growth:-0.7;Quality:+0.4;Size:+0.9;Momentum:-1.0;LowVol:-0.3,,10,30,5.5,hard 12%,132,22.4,Bull,15.8,4.28,3.0,73,74,79,42,false,Buy,Add to core equity +1%,-1,-2,BrokerB,LMT,89,None,None,Normal monitoring,51,-3,126,4,false,Within IPS guidelines
P2741,Hands-off,Taxable,USD,2025-09-16,446818,31806,415012,1.0,69.2,18.9,4.2,7.6,TLT:25.0%;AAPL:25.0%;MUB:25.0%;BRK.B:25.0%,US:74.8;EU:6.4;APAC:11.6;EM:6.6;Other:0.6,Value:-0.0;Growth:+0.5;Quality:-0.1;Size:-0.5;Momentum:-0.1;LowVol:+0.7,ESGOnly;MaxPos6%,6,30,3.3,trailing 8%,99,13.6,Bull,12.0,4.7,2.4,72,69,98,45,false,Buy,Add to core equity +1%,33,-27,BrokerA,MKT,95,None,None,Normal monitoring,2,-4,113,3,false,Increase defensive factor exposure
P2742,Active,IRA,USD,2025-05-19,2074516,170259,1904257,1.21,60.1,19.5,11.1,9.3,BRK.B:33.5%;VOO:33.0%;TLT:33.5%,US:63.0;EU:11.3;APAC:15.4;EM:5.5;Other:5.0,Value:-0.9;Growth:-0.2;Quality:-0.9;Size:-0.9;Momentum:-0.8;LowVol:-0.7,,10,25,5.8,trailing 9%,131,19.6,Sideways,17.4,4.99,2.8,106,45,86,53,false,Sell,Trim extended winner -1%,25,9,BrokerB,VWAP,90,None,None,Normal monitoring,73,-17,54,3,false,Tax-aware sells next window
P2743,Cautious,401k,USD,2024-12-23,200712,16629,184083,1.0,37.6,42.3,8.2,12.0,VNQ:28.4%;IEF:14.7%;GLD:28.4%;QQQ:28.4%,US:70.3;EU:7.4;APAC:8.5;EM:11.8;Other:2.0,Value:+0.5;Growth:+0.3;Quality:-0.5;Size:+0.1;Momentum:+0.6;LowVol:-0.1,ESGOnly;NoMargin,6,35,5.1,trailing 8%,135,18.3,Volatile,22.4,3.79,2.7,110,-14,35,51,false,Rebalance,Shift +1% to bonds from equity,-3,4,BrokerC,VWAP,95,None,None,Normal monitoring,45,-27,74,3,false,Tax-aware sells next window
P2744,Cautious,Taxable,USD,2025-10-05,182384,16500,165884,1.0,45.6,31.0,11.5,11.9,QQQ:22.6%;TSLA:22.6%;MSFT:22.6%;XLF:14.6%;VOO:17.6%,US:65.0;EU:16.6;APAC:6.3;EM:7.7;Other:4.4,Value:+0.3;Growth:+0.6;Quality:0.0;Size:+0.6;Momentum:+0.8;LowVol:+0.5,ESGOnly;NoDerivatives;NoMargin,8,35,5.1,trailing 8%,118,16.1,Volatile,26.5,5.24,3.9,116,30,69,53,false,Rebalance,Shift +1% to bonds from equity,14,-17,BrokerA,MKT,89,None,None,Normal monitoring,-32,-34,49,3,false,Monitor dispersion and breadth
P2745,Active,Roth,USD,2025-05-05,506816,38619,468197,1.0,52.8,23.2,15.5,8.6,MUB:33.3%;BND:33.3%;MSFT:33.3%,US:63.7;EU:14.4;APAC:10.3;EM:9.5;Other:2.1,Value:-0.4;Growth:+0.1;Quality:-0.1;Size:+0.5;Momentum:-0.1;LowVol:-0.1,NoDerivatives,6,30,4.2,trailing 9%,202,22.6,Sideways,19.1,3.8,2.5,138,10,50,59,false,Hedge,Add TLT +1% as duration hedge,5,-18,BrokerD,LMT,85,None,None,Normal monitoring,-1,-9,35,5,false,Increase defensive factor exposure
P2746,Cautious,Taxable,USD,2025-08-24,494902,76866,418036,1.0,45.4,39.5,3.5,11.6,AAPL:28.5%;MSFT:28.5%;VOO:28.5%;AMZN:14.5%,US:66.5;EU:12.4;APAC:15.0;EM:4.4;Other:1.6,Value:-0.3;Growth:+0.1;Quality:-0.4;Size:-0.7;Momentum:+0.1;LowVol:-0.5,ESGOnly;NoMargin,8,35,5.3,trailing 8%,147,18.7,Bull,14.9,3.54,3.3,114,88,100,40,false,Rebalance,Shift +1% to bonds from equity,26,-32,BrokerA,MKT,89,None,None,Normal monitoring,-48,-46,67,5,false,Tax-aware sells next window
P2747,Cautious,Trust,USD,2025-12-21,470640,38430,432210,1.0,41.8,39.5,5.7,13.0,BRK.B:14.7%;HYG:15.6%;MUB:11.1%;TLT:23.1%;BND:23.1%;MSFT:12.5%,US:66.9;EU:9.0;APAC:15.1;EM:8.0;Other:1.0,Value:-0.3;Growth:-0.0;Quality:+0.1;Size:-0.6;Momentum:+0.4;LowVol:-0.3,ESGOnly;NoDerivatives;NoMargin,5,35,3.6,hard 10%,94,18.4,Bull,12.5,4.97,2.8,88,35,65,40,false,Buy,Add to core equity +1%,31,-5,BrokerD,MKT,91,None,None,Normal monitoring,-19,-15,-28,3,false,Increase defensive factor exposure
P2748,Systematic,IRA,USD,2025-09-02,468620,27677,440943,1.0,65.2,22.8,4.1,7.9,TSLA:33.3%;GLD:33.3%;BRK.B:33.3%,US:52.5;EU:18.0;APAC:14.1;EM:12.4;Other:3.0,Value:-0.8;Growth:-0.0;Quality:+0.5;Size:+0.9;Momentum:+0.3;LowVol:+0.1,MaxPos7%,8,25,5.8,trailing 8%,203,16.6,Bull,17.3,4.3,3.0,72,99,100,50,false,Sell,Trim extended winner -1%,20,-21,BrokerA,LMT,91,None,None,Normal monitoring,-37,-51,-11,3,false,Increase defensive factor exposure
P2749,Systematic,Roth,USD,2024-12-09,1030993,98475,932518,1.0,55.2,23.8,13.1,7.9,GLD:33.3%;AMZN:33.3%;HYG:33.3%,US:61.4;EU:9.7;APAC:16.7;EM:10.1;Other:2.0,Value:-1.0;Growth:-0.7;Quality:-0.5;Size:+1.0;Momentum:-0.5;LowVol:-0.4,MaxPos7%,7,35,5.6,trailing 9%,214,24.1,Volatile,30.8,3.73,3.2,153,-29,24,83,true,Hedge,Buy index puts 1% notional,-13,1,BrokerB,LMT,90,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-24,-22,110,5,false,Within IPS guidelines
P2750,Hands-off,Taxable,USD,2024-10-31,442016,40755,401261,1.0,67.2,23.8,0.0,9.1,TSLA:24.7%;XLF:15.6%;BND:17.6%;MUB:24.5%;VTI:17.6%,US:66.8;EU:10.9;APAC:9.9;EM:7.9;Other:4.5,Value:-0.2;Growth:+0.5;Quality:-0.3;Size:+0.5;Momentum:+0.1;LowVol:+0.8,ESGOnly;MaxPos6%,5,35,5.0,trailing 8%,116,15.6,Bear,22.4,3.99,1.2,184,-106,5,73,true,Hedge,Buy index puts 1% notional,32,-2,BrokerA,MKT,90,Drift>tolerance,Reduce,Allocation drift beyond policy bands,78,-14,71,2,false,Tax-aware sells next window
P2751,Cautious,Roth,USD,2025-05-28,398364,44782,353582,1.0,53.7,32.2,0.1,14.0,AAPL:24.0%;GLD:24.0%;XLF:24.0%;BND:13.8%;QQQ:14.2%,US:67.0;EU:8.1;APAC:12.4;EM:8.5;Other:4.0,Value:+0.9;Growth:+0.7;Quality:+0.9;Size:-0.6;Momentum:+0.8;LowVol:+0.7,NoMargin,8,25,5.4,trailing 8%,101,18.5,Bull,11.4,4.76,2.1,98,20,64,27,false,Buy,Add to core equity +1%,-3,-40,BrokerC,LMT,86,None,None,Normal monitoring,-37,5,23,4,false,Tighten stops on momentum names
P2752,Active,Trust,USD,2024-10-24,2274542,151750,2122792,1.0,59.1,22.5,9.2,9.1,MSFT:18.2%;VNQ:27.3%;IEF:27.3%;MUB:27.3%,US:74.1;EU:9.0;APAC:6.8;EM:6.0;Other:4.1,Value:-0.6;Growth:+0.5;Quality:+0.2;Size:-0.1;Momentum:+0.9;LowVol:-0.3,MaxPos7%,8,30,5.5,hard 12%,183,18.5,Bull,12.7,4.08,2.2,76,17,68,49,false,Rebalance,Shift +1% to bonds from equity,31,-12,BrokerD,LMT,92,None,None,Normal monitoring,-26,19,-20,3,false,Tighten stops on momentum names
P2753,Hands-off,401k,USD,2024-08-04,632498,30358,602140,1.0,67.4,15.3,12.2,5.1,TLT:34.4%;QQQ:31.2%;TSLA:34.4%,US:58.5;EU:19.5;APAC:14.0;EM:5.0;Other:3.1,Value:+0.5;Growth:+0.9;Quality:0.0;Size:-0.1;Momentum:-0.1;LowVol:-0.8,ESGOnly;MaxPos7%,6,35,3.3,trailing 8%,114,13.2,Bull,13.9,3.54,2.1,113,44,78,57,false,NoAction,Within bands; monitor,3,-21,BrokerD,MKT,0,None,None,Normal monitoring,-4,-26,90,3,false,Monitor dispersion and breadth
P2754,Active,Taxable,USD,2025-10-08,1501172,120198,1380974,1.0,50.3,28.1,12.5,9.1,VOO:9.9%;HYG:22.1%;IEF:18.8%;VNQ:9.8%;TSLA:17.3%;XLF:22.1%,US:60.0;EU:19.6;APAC:14.6;EM:4.1;Other:1.7,Value:+0.8;Growth:-0.5;Quality:+0.2;Size:+0.5;Momentum:-0.2;LowVol:+0.2,NoDerivatives,5,35,5.0,trailing 9%,225,26.8,Sideways,20.8,4.17,3.3,125,38,76,45,false,Sell,Trim extended winner -1%,16,-30,BrokerD,LMT,91,None,None,Normal monitoring,39,-45,90,5,false,Monitor dispersion and breadth
P2755,Systematic,Roth,USD,2024-12-12,1158354,99465,1058889,1.0,59.5,23.6,10.1,6.8,BRK.B:20.0%;TSLA:17.7%;MUB:15.6%;GLD:19.8%;VTI:7.4%;VOO:19.6%,US:65.1;EU:17.0;APAC:10.3;EM:3.9;Other:3.7,Value:+0.4;Growth:+0.5;Quality:+0.9;Size:+0.1;Momentum:+0.5;LowVol:-0.1,MaxPos5%,10,30,4.7,trailing 8%,197,23.4,Bull,17.0,4.19,2.6,71,105,95,57,false,Rebalance,Shift +1% to bonds from equity,24,12,BrokerB,MKT,94,None,None,Normal monitoring,-53,-25,16,3,false,Monitor dispersion and breadth
P2756,Cautious,Taxable,USD,2025-07-11,282957,32102,250855,1.0,44.4,43.2,2.0,10.4,TLT:33.3%;VOO:33.3%;VTI:33.3%,US:79.7;EU:7.5;APAC:6.5;EM:4.2;Other:2.1,Value:+0.6;Growth:+0.6;Quality:-0.7;Size:+0.7;Momentum:+0.1;LowVol:-0.9,NoMargin,10,30,4.5,trailing 8%,109,19.3,Bull,14.3,4.16,3.0,111,21,48,40,false,Sell,Trim extended winner -1%,-3,-11,BrokerC,MKT,88,None,None,Normal monitoring,-33,-47,-15,3,false,Within IPS guidelines
P2757,Opportunistic,Trust,USD,2025-06-04,1387054,116383,1270671,1.21,60.7,13.7,20.1,5.6,MUB:22.9%;QQQ:10.8%;AAPL:8.4%;VNQ:22.9%;VTI:22.9%;VOO:11.9%,US:63.3;EU:9.4;APAC:13.1;EM:10.3;Other:4.0,Value:-0.9;Growth:+1.0;Quality:+0.9;Size:-0.9;Momentum:-0.8;LowVol:-0.0,,5,35,4.3,hard 12%,217,32.8,Bull,11.7,3.56,2.3,118,65,85,44,false,Hedge,Add TLT +1% as duration hedge,33,-40,BrokerC,MKT,86,None,None,Normal monitoring,-34,5,-22,5,false,Monitor dispersion and breadth
P2758,Opportunistic,401k,USD,2025-02-27,1373691,68677,1305014,1.22,64.2,20.1,7.1,8.6,HYG:25.7%;BRK.B:22.9%;TLT:25.6%;VNQ:25.7%,US:60.3;EU:16.1;APAC:15.3;EM:5.5;Other:2.8,Value:-0.2;Growth:-0.6;Quality:-0.6;Size:-0.2;Momentum:+0.6;LowVol:-0.1,MaxPos7%,10,35,5.9,hard 12%,226,29.9,Sideways,19.4,3.6,2.4,121,-23,35,54,false,Sell,Trim extended winner -1%,-12,-1,BrokerA,MKT,85,None,None,Normal monitoring,-52,1,-57,5,false,Tighten stops on momentum names
P2759,Opportunistic,Trust,USD,2025-03-21,1576139,133504,1442635,1.0,70.8,19.3,2.1,7.8,VOO:33.3%;AAPL:33.3%;MSFT:33.3%,US:58.2;EU:18.6;APAC:12.0;EM:7.9;Other:3.3,Value:-0.9;Growth:-0.9;Quality:-0.7;Size:-0.3;Momentum:-0.0;LowVol:-0.7,,5,35,5.2,trailing 7%,234,32.0,Volatile,24.1,4.16,4.0,126,-21,39,72,true,Reduce,"Cut high-beta by 2-3%, add cash",10,-4,BrokerA,LMT,92,RegimeShift,Hedge,Volatility spike and breadth deterioration,107,-43,83,2,true,Tighten stops on momentum names
P2760,Active,401k,USD,2024-09-22,956570,78380,878190,1.0,61.2,18.8,10.1,9.8,AAPL:15.3%;HYG:20.4%;TSLA:15.5%;GLD:17.5%;VOO:14.8%;BRK.B:16.6%,US:66.1;EU:15.5;APAC:8.4;EM:5.8;Other:4.2,Value:-0.2;Growth:+0.9;Quality:+0.9;Size:+0.5;Momentum:-0.3;LowVol:+0.4,,7,35,4.9,trailing 9%,129,24.7,Sideways,15.0,4.97,3.5,131,-19,42,47,false,Buy,Add to core equity +1%,26,-6,BrokerD,LMT,94,None,None,Normal monitoring,46,-16,129,3,false,Tax-aware sells next window
P2761,Opportunistic,Trust,USD,2024-09-19,1555978,78021,1477957,1.0,67.6,11.2,16.0,5.2,BND:21.4%;VNQ:14.7%;VTI:21.4%;XLF:18.5%;TSLA:9.7%;QQQ:14.3%,US:74.4;EU:9.7;APAC:5.9;EM:7.2;Other:2.8,Value:+0.9;Growth:-0.3;Quality:+0.3;Size:-0.1;Momentum:+0.5;LowVol:-0.4,,6,30,4.8,trailing 7%,247,26.6,Bull,15.6,4.54,3.2,107,120,100,56,false,Sell,Trim extended winner -1%,2,-20,BrokerD,MKT,100,None,None,Normal monitoring,-22,-19,79,4,false,Tax-aware sells next window
P2762,Cautious,Roth,USD,2025-03-07,188114,18194,169920,1.0,44.4,32.7,8.3,14.6,IEF:25.0%;VNQ:25.0%;VTI:25.0%;MSFT:25.0%,US:71.2;EU:10.8;APAC:7.1;EM:7.0;Other:3.8,Value:-0.0;Growth:-0.6;Quality:+0.8;Size:-0.6;Momentum:+0.7;LowVol:-0.5,ESGOnly;NoDerivatives;NoMargin,5,25,4.7,hard 10%,138,19.5,Bull,12.0,4.04,2.5,77,6,52,40,false,Buy,Add to core equity +1%,32,-34,BrokerA,VWAP,95,None,None,Normal monitoring,28,19,153,3,false,Monitor dispersion and breadth
P2763,Hands-off,IRA,USD,2024-09-24,548365,47028,501337,1.0,55.5,16.9,22.3,5.3,XLF:22.1%;AMZN:11.7%;QQQ:7.3%;IEF:22.1%;VTI:21.2%;TLT:15.6%,US:66.5;EU:12.1;APAC:11.2;EM:5.4;Other:4.9,Value:+0.8;Growth:-0.3;Quality:+0.6;Size:+0.3;Momentum:-0.4;LowVol:-0.3,MaxPos7%,7,35,4.2,trailing 10%,106,12.5,Volatile,20.2,5.4,4.4,175,-25,41,47,false,Hedge,Add TLT +1% as duration hedge,-6,4,BrokerD,VWAP,91,None,None,Normal monitoring,43,0,182,3,false,Increase defensive factor exposure
P2764,Cautious,Taxable,USD,2024-12-30,853030,72499,780531,1.0,44.3,35.7,8.3,11.7,GLD:23.0%;TSLA:19.4%;VOO:23.3%;TLT:23.3%;VNQ:11.1%,US:69.5;EU:11.2;APAC:8.2;EM:7.3;Other:3.8,Value:+0.6;Growth:-0.7;Quality:+0.8;Size:+0.3;Momentum:0.0;LowVol:+0.4,ESGOnly;NoMargin,6,25,4.9,hard 10%,133,12.1,Bear,33.3,4.43,1.7,185,18,49,63,false,Rebalance,Shift +1% to bonds from equity,23,-5,BrokerD,MKT,98,None,None,Normal monitoring,38,-37,148,5,false,Monitor dispersion and breadth
P2765,Systematic,IRA,USD,2025-04-01,1589955,94102,1495853,1.0,57.5,26.8,10.5,5.1,TLT:28.0%;VNQ:28.0%;MUB:28.0%;IEF:16.1%,US:56.6;EU:16.5;APAC:14.8;EM:9.9;Other:2.3,Value:+0.7;Growth:+0.3;Quality:+0.8;Size:-0.4;Momentum:+1.0;LowVol:+0.6,,7,30,5.5,trailing 8%,217,17.7,Bear,31.4,4.41,1.7,206,-62,32,83,true,Reduce,"Cut high-beta by 2-3%, add cash",1,-10,BrokerC,LMT,96,RegimeShift,Hedge,Volatility spike and breadth deterioration,91,-23,170,4,false,Tax-aware sells next window
P2766,Active,Taxable,USD,2025-12-02,1138073,90693,1047380,1.0,51.4,28.8,10.0,9.9,TLT:21.1%;VTI:21.1%;QQQ:15.8%;XLF:14.5%;MSFT:11.6%;HYG:15.7%,US:66.2;EU:5.7;APAC:13.3;EM:12.2;Other:2.5,Value:+0.3;Growth:-0.8;Quality:-0.9;Size:-0.7;Momentum:-0.8;LowVol:+0.9,,7,35,4.8,hard 12%,213,18.7,Volatile,25.9,4.29,4.5,173,-54,37,53,false,Rebalance,Shift +1% to bonds from equity,13,-3,BrokerA,MKT,97,None,None,Normal monitoring,-41,-44,46,4,false,Tighten stops on momentum names
P2767,Hands-off,IRA,USD,2025-08-14,477736,42922,434814,1.0,55.0,26.6,11.9,6.5,BND:11.7%;VTI:10.3%;AMZN:21.2%;TLT:21.2%;IEF:18.7%;TSLA:16.8%,US:70.3;EU:8.7;APAC:12.1;EM:8.9;Other:0.0,Value:+0.1;Growth:-0.9;Quality:+0.7;Size:-0.9;Momentum:-0.6;LowVol:-0.1,MaxPos5%,10,35,3.3,hard 10%,169,15.6,Volatile,29.3,3.55,2.7,144,-44,29,71,true,Rebalance,Rebalance back to target bands,1,-20,BrokerC,VWAP,89,Drift>tolerance,Hedge,Allocation drift beyond policy bands,74,-10,192,3,false,Tighten stops on momentum names
P2768,Hands-off,IRA,USD,2025-09-04,737044,52052,684992,1.0,66.1,26.1,0.0,7.8,AMZN:33.3%;VOO:33.3%;MSFT:33.3%,US:65.2;EU:12.2;APAC:10.9;EM:8.3;Other:3.3,Value:+0.8;Growth:+0.2;Quality:+0.9;Size:-0.6;Momentum:-0.5;LowVol:+1.0,ESGOnly;MaxPos7%,5,35,4.4,hard 10%,140,17.2,Volatile,21.1,4.56,2.7,125,43,68,68,false,Rebalance,Shift +1% to bonds from equity,14,3,BrokerD,MKT,86,None,None,Normal monitoring,5,-7,6,3,false,Increase defensive factor exposure
P2769,Cautious,Taxable,USD,2024-11-09,718425,109161,609264,1.0,39.2,33.1,15.8,12.0,MUB:33.3%;HYG:33.3%;VNQ:33.3%,US:69.1;EU:9.9;APAC:11.7;EM:5.4;Other:3.9,Value:-0.1;Growth:+0.3;Quality:-0.6;Size:0.0;Momentum:-0.4;LowVol:+0.4,NoMargin,5,30,4.1,trailing 8%,151,13.1,Bull,14.3,4.48,3.2,97,14,64,30,false,Buy,Add to core equity +1%,30,-5,BrokerC,MKT,88,None,None,Normal monitoring,112,-33,191,3,false,Tighten stops on momentum names
P2770,Hands-off,Roth,USD,2025-06-10,831205,33262,797943,1.0,62.7,18.2,12.0,7.1,IEF:22.3%;TLT:20.5%;MSFT:13.5%;XLF:21.4%;VTI:22.3%,US:63.2;EU:14.6;APAC:10.9;EM:9.2;Other:2.2,Value:+0.2;Growth:+0.5;Quality:+0.2;Size:-0.4;Momentum:-0.8;LowVol:-0.5,MaxPos7%,5,30,3.8,trailing 10%,160,19.6,Sideways,16.1,3.95,2.2,109,34,66,55,false,Rebalance,Shift +1% to bonds from equity,12,8,BrokerB,VWAP,90,None,None,Normal monitoring,51,-48,187,5,false,Increase defensive factor exposure
P2771,Active,401k,USD,2025-03-26,1041697,97783,943914,1.11,50.3,22.8,17.7,9.2,TSLA:33.3%;HYG:33.3%;GLD:33.3%,US:64.2;EU:17.2;APAC:5.6;EM:11.1;Other:1.9,Value:-0.2;Growth:+0.7;Quality:+0.5;Size:+0.8;Momentum:-0.3;LowVol:+0.3,,10,30,6.0,hard 12%,169,23.9,Bull,16.5,3.9,3.5,112,37,58,46,false,Sell,Trim extended winner -1%,22,-38,BrokerB,LMT,94,None,None,Normal monitoring,-25,-23,-8,3,false,Increase defensive factor exposure
P2772,Cautious,Trust,USD,2024-11-18,798054,65477,732577,1.0,51.9,30.6,2.9,14.7,HYG:33.3%;TSLA:33.3%;AMZN:33.3%,US:72.7;EU:8.8;APAC:5.6;EM:10.2;Other:2.7,Value:-0.9;Growth:-0.4;Quality:+0.9;Size:+1.0;Momentum:-0.6;LowVol:-0.9,NoMargin,6,25,5.3,hard 10%,118,12.5,Bull,12.3,3.73,2.1,88,97,90,33,false,Sell,Trim extended winner -1%,9,-37,BrokerC,LMT,94,None,None,Normal monitoring,-41,-2,-77,4,false,Tighten stops on momentum names
P2773,Systematic,IRA,USD,2024-10-08,1330349,81255,1249094,1.0,64.8,21.5,5.1,8.6,XLF:33.3%;MSFT:33.3%;TSLA:33.3%,US:62.1;EU:14.4;APAC:9.9;EM:9.7;Other:3.9,Value:-0.7;Growth:+0.8;Quality:+0.7;Size:-0.1;Momentum:+0.2;LowVol:-0.6,MaxPos7%,5,30,5.8,trailing 8%,175,26.3,Bull,11.1,4.17,3.4,116,43,66,49,false,Sell,Trim extended winner -1%,7,-28,BrokerC,LMT,91,None,None,Normal monitoring,32,-60,104,3,false,Monitor dispersion and breadth
P2774,Opportunistic,Taxable,USD,2025-08-25,1485335,72017,1413318,1.0,66.9,21.9,6.8,4.3,AAPL:25.0%;MUB:25.0%;VNQ:25.0%;BRK.B:25.0%,US:61.8;EU:19.0;APAC:9.2;EM:8.5;Other:1.5,Value:+0.5;Growth:+0.8;Quality:-0.2;Size:+0.4;Momentum:-0.6;LowVol:+1.0,,10,30,4.4,trailing 7%,253,32.2,Sideways,14.7,3.91,3.0,135,8,63,57,false,NoAction,Within bands; monitor,21,5,BrokerC,VWAP,89,None,None,Normal monitoring,-20,11,114,4,false,Tighten stops on momentum names
P2775,Cautious,Taxable,USD,2025-08-01,441662,49904,391758,1.0,48.1,37.4,0.0,14.5,HYG:21.9%;MUB:22.1%;BRK.B:22.1%;VOO:16.5%;MSFT:17.3%,US:67.3;EU:14.4;APAC:12.0;EM:5.7;Other:0.6,Value:+0.2;Growth:+0.6;Quality:-0.1;Size:+0.1;Momentum:+0.2;LowVol:-0.5,ESGOnly;NoMargin,10,35,3.3,trailing 10%,127,19.6,Volatile,21.0,4.72,4.1,134,-55,12,56,false,Sell,Trim extended winner -1%,9,-8,BrokerC,LMT,92,None,None,Normal monitoring,96,13,71,3,false,Increase defensive factor exposure
P2776,Systematic,IRA,USD,2024-10-17,431157,32172,398985,1.0,60.2,29.9,1.4,8.4,XLF:29.9%;TLT:19.1%;HYG:29.9%;AAPL:21.0%,US:67.2;EU:10.5;APAC:9.7;EM:7.5;Other:5.2,Value:+0.4;Growth:-0.6;Quality:-0.9;Size:-0.8;Momentum:+0.9;LowVol:-0.4,MaxPos7%,5,25,5.2,hard 12%,213,16.3,Bull,15.7,3.58,2.1,70,57,70,41,false,Rebalance,Shift +1% to bonds from equity,30,11,BrokerC,LMT,91,None,None,Normal monitoring,42,-53,174,4,false,Tax-aware sells next window
P2777,Opportunistic,Roth,USD,2024-10-15,1790703,158202,1632501,1.0,61.2,12.1,18.2,8.5,VNQ:33.3%;VTI:33.3%;XLF:33.3%,US:71.2;EU:10.6;APAC:10.0;EM:5.6;Other:2.7,Value:+0.8;Growth:+0.5;Quality:+0.6;Size:-0.9;Momentum:+0.7;LowVol:+0.4,MaxPos8%,10,35,5.5,trailing 9%,216,22.7,Volatile,31.9,4.83,4.3,180,67,98,75,true,Hedge,Buy index puts 1% notional,-6,-37,BrokerB,MKT,89,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,117,-14,150,5,true,Monitor dispersion and breadth
P2778,Cautious,401k,USD,2024-10-08,207118,25323,181795,1.0,39.2,31.4,14.6,14.9,XLF:35.5%;VOO:35.5%;TLT:29.1%,US:69.6;EU:12.3;APAC:9.8;EM:6.2;Other:2.1,Value:+0.1;Growth:+0.1;Quality:+0.6;Size:-0.8;Momentum:-0.9;LowVol:-0.2,ESGOnly;MaxPos7%;NoMargin,10,35,4.8,trailing 8%,130,14.0,Bear,28.4,4.4,1.3,185,-40,26,70,false,Buy,Add to core equity +1%,11,-24,BrokerB,MKT,90,None,None,Normal monitoring,-20,3,15,3,false,Increase defensive factor exposure
P2779,Opportunistic,Taxable,USD,2025-11-27,1186770,66387,1120383,1.0,68.7,16.3,10.0,5.0,XLF:25.0%;BND:25.0%;AAPL:25.0%;GLD:25.0%,US:69.2;EU:12.4;APAC:9.9;EM:5.3;Other:3.3,Value:+0.8;Growth:-0.2;Quality:+0.8;Size:-0.8;Momentum:+0.2;LowVol:+0.4,,6,30,6.3,trailing 7%,249,26.4,Volatile,27.0,4.95,3.0,157,75,78,80,true,Hedge,Buy index puts 1% notional,7,-31,BrokerC,LMT,90,VAR>budget,TightenStops,Risk above budget threshold,-22,-59,-32,5,false,Within IPS guidelines
P2780,Opportunistic,IRA,USD,2025-12-13,1092816,71292,1021524,1.0,64.2,21.2,8.0,6.6,TSLA:21.5%;VTI:15.2%;VNQ:8.0%;MUB:21.5%;BND:12.3%;IEF:21.5%,US:64.0;EU:15.1;APAC:10.6;EM:9.0;Other:1.3,Value:-0.9;Growth:+0.5;Quality:-0.1;Size:-0.2;Momentum:-0.4;LowVol:-0.8,NoDerivatives,5,25,4.3,trailing 7%,211,27.6,Bull,15.1,4.25,3.4,74,93,100,54,false,Buy,Add to core equity +1%,21,-8,BrokerA,MKT,94,None,None,Normal monitoring,-3,-18,102,4,false,Increase defensive factor exposure
P2781,Active,Roth,USD,2024-07-12,990160,70048,920112,1.0,55.7,28.9,7.0,8.4,VOO:33.3%;BRK.B:33.3%;QQQ:33.3%,US:71.5;EU:8.8;APAC:12.5;EM:5.8;Other:1.4,Value:-0.5;Growth:+0.8;Quality:-0.3;Size:+0.6;Momentum:-0.9;LowVol:-0.9,,8,30,4.2,hard 12%,159,19.9,Bull,11.4,4.81,2.8,118,80,82,28,false,Buy,Add to core equity +1%,-8,15,BrokerD,MKT,85,None,None,Normal monitoring,104,-55,238,4,false,Tighten stops on momentum names
P2782,Systematic,IRA,USD,2025-02-10,418742,17160,401582,1.0,61.1,31.5,0.0,7.3,IEF:33.9%;BRK.B:33.9%;MUB:32.2%,US:65.1;EU:15.7;APAC:11.3;EM:6.4;Other:1.5,Value:+1.0;Growth:-0.4;Quality:-0.1;Size:+0.5;Momentum:-0.8;LowVol:+0.2,MaxPos8%,10,25,4.4,trailing 8%,140,24.6,Bull,17.5,3.69,3.4,85,30,70,42,false,Sell,Trim extended winner -1%,5,-2,BrokerC,MKT,88,None,None,Normal monitoring,-13,-54,61,5,false,Tighten stops on momentum names
P2783,Systematic,401k,USD,2025-06-15,1324992,90555,1234437,1.0,66.0,28.8,0.0,5.2,QQQ:15.7%;VNQ:23.7%;BRK.B:16.1%;VOO:20.9%;TSLA:23.7%,US:76.8;EU:9.5;APAC:5.6;EM:4.6;Other:3.5,Value:-0.6;Growth:-0.5;Quality:-0.7;Size:-0.2;Momentum:+0.3;LowVol:-0.4,NoDerivatives,7,35,5.9,trailing 8%,223,17.5,Bear,34.4,4.29,2.0,168,-77,5,94,true,Reduce,"Cut high-beta by 2-3%, add cash",29,-10,BrokerA,MKT,93,RegimeShift,Reduce,Volatility spike and breadth deterioration,0,6,3,4,false,Increase defensive factor exposure
P2784,Hands-off,Trust,USD,2025-07-25,431388,25693,405695,1.0,67.5,23.7,0.0,8.7,AAPL:24.3%;MUB:18.6%;VOO:13.0%;BRK.B:19.9%;QQQ:24.3%,US:73.0;EU:13.2;APAC:6.3;EM:7.1;Other:0.3,Value:+0.7;Growth:-0.4;Quality:0.0;Size:-0.4;Momentum:+0.9;LowVol:+0.3,ESGOnly;MaxPos7%,8,30,3.4,hard 10%,127,17.2,Bull,15.2,4.53,3.1,84,110,100,55,false,Buy,Add to core equity +1%,4,-33,BrokerD,MKT,86,None,None,Normal monitoring,-34,-14,95,5,false,Increase defensive factor exposure
P2785,Active,Taxable,USD,2025-06-12,1680593,169493,1511100,1.0,63.8,27.5,0.0,8.6,BRK.B:20.9%;MUB:18.4%;TSLA:20.9%;VOO:8.6%;HYG:17.1%;AAPL:14.2%,US:68.4;EU:10.5;APAC:9.9;EM:6.6;Other:4.5,Value:-0.2;Growth:-0.6;Quality:+0.4;Size:-0.9;Momentum:-0.4;LowVol:+0.2,MaxPos7%,5,30,6.0,trailing 8%,223,26.1,Volatile,25.5,4.31,3.6,148,-36,29,74,true,Rebalance,Rebalance back to target bands,18,-11,BrokerA,LMT,99,VAR>budget,Hedge,Risk above budget threshold,0,-22,131,3,false,Monitor dispersion and breadth
P2786,Active,IRA,USD,2025-11-08,1877467,189255,1688212,1.0,67.2,24.5,0.0,8.3,TLT:22.6%;AAPL:21.2%;XLF:12.0%;BRK.B:21.6%;AMZN:22.6%,US:66.0;EU:10.5;APAC:15.8;EM:5.7;Other:1.9,Value:-0.6;Growth:-0.7;Quality:+0.1;Size:+0.8;Momentum:+0.5;LowVol:+0.6,,5,25,5.4,hard 12%,191,23.2,Sideways,14.1,4.29,2.1,128,49,60,45,false,Hedge,Add TLT +1% as duration hedge,0,5,BrokerA,MKT,94,None,None,Normal monitoring,-14,-29,101,4,false,Increase defensive factor exposure
P2787,Hands-off,Roth,USD,2024-07-09,239460,21722,217738,1.0,67.7,27.2,0.0,5.1,VTI:35.5%;GLD:35.5%;TSLA:29.0%,US:64.7;EU:13.6;APAC:10.7;EM:8.8;Other:2.2,Value:+0.6;Growth:+0.7;Quality:-0.8;Size:+0.4;Momentum:+0.2;LowVol:+1.0,MaxPos8%,8,35,5.2,trailing 8%,119,13.9,Bull,14.0,3.79,2.6,105,26,57,57,false,Rebalance,Shift +1% to bonds from equity,-1,-3,BrokerB,MKT,92,None,None,Normal monitoring,38,17,37,5,false,Within IPS guidelines
P2788,Hands-off,401k,USD,2025-02-11,886380,59560,826820,1.0,64.3,15.0,15.3,5.4,VTI:25.3%;GLD:25.3%;TSLA:24.2%;TLT:25.3%,US:55.6;EU:17.5;APAC:14.5;EM:10.1;Other:2.3,Value:-0.7;Growth:-0.8;Quality:+0.3;Size:+0.4;Momentum:+0.1;LowVol:-0.1,,10,25,5.7,hard 10%,163,14.8,Volatile,31.0,3.65,4.0,118,9,52,82,true,Reduce,"Cut high-beta by 2-3%, add cash",1,-29,BrokerD,MKT,95,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-33,-42,3,2,false,Tax-aware sells next window
P2789,Opportunistic,Trust,USD,2025-05-19,1103044,57875,1045169,1.21,70.4,12.0,10.4,7.2,HYG:7.4%;TSLA:20.9%;BRK.B:21.2%;AAPL:18.3%;VOO:21.0%;VTI:11.2%,US:66.3;EU:15.3;APAC:7.7;EM:10.3;Other:0.3,Value:-0.5;Growth:+0.2;Quality:+0.8;Size:-0.2;Momentum:-0.7;LowVol:-0.2,MaxPos8%,5,30,4.9,trailing 7%,199,22.2,Bull,14.8,3.87,3.4,94,55,92,54,false,Buy,Add to core equity +1%,32,6,BrokerC,VWAP,93,None,None,Normal monitoring,86,-1,189,4,false,Monitor dispersion and breadth
P2790,Hands-off,Trust,USD,2025-01-09,228195,13929,214266,1.0,57.5,21.4,16.0,5.1,QQQ:20.1%;IEF:7.3%;TLT:16.2%;VNQ:21.6%;BRK.B:21.6%;AAPL:13.2%,US:72.2;EU:8.2;APAC:9.9;EM:8.2;Other:1.5,Value:+0.4;Growth:-0.4;Quality:-0.0;Size:-0.5;Momentum:+0.1;LowVol:+0.9,ESGOnly;MaxPos7%;NoDerivatives,5,30,4.2,hard 10%,167,15.7,Bull,16.6,4.78,2.1,89,52,88,49,false,Rebalance,Shift +1% to bonds from equity,4,-9,BrokerB,VWAP,88,None,None,Normal monitoring,28,-16,96,5,false,Tax-aware sells next window
P2791,Hands-off,401k,USD,2025-05-25,426323,40890,385433,1.0,72.1,22.0,0.0,6.0,MUB:28.0%;XLF:28.0%;QQQ:16.0%;BRK.B:28.0%,US:60.6;EU:19.8;APAC:10.2;EM:8.8;Other:0.6,Value:+0.5;Growth:-0.7;Quality:-0.6;Size:+0.9;Momentum:-0.3;LowVol:+0.9,ESGOnly;MaxPos7%,5,30,3.3,trailing 10%,161,12.7,Bull,17.1,4.9,3.1,89,34,81,50,false,Buy,Add to core equity +1%,16,-32,BrokerA,MKT,90,None,None,Normal monitoring,60,-12,63,4,false,Within IPS guidelines
P2792,Systematic,Trust,USD,2025-04-22,634979,49866,585113,1.0,59.4,32.7,0.0,7.8,MUB:15.3%;GLD:28.2%;BND:28.2%;TLT:28.2%,US:65.5;EU:11.8;APAC:12.3;EM:7.9;Other:2.5,Value:-0.2;Growth:-0.9;Quality:+0.2;Size:+0.3;Momentum:+0.1;LowVol:+0.4,MaxPos7%;NoDerivatives,6,30,4.3,trailing 8%,146,27.1,Volatile,20.1,4.0,2.1,135,0,56,58,false,Sell,Trim extended winner -1%,-12,8,BrokerC,LMT,100,None,None,Normal monitoring,106,-15,219,4,false,Within IPS guidelines
P2793,Opportunistic,Taxable,USD,2024-07-17,1066155,92431,973724,1.0,66.6,20.3,8.3,4.9,TLT:25.0%;XLF:17.6%;TSLA:14.1%;VNQ:25.0%;MSFT:18.4%,US:69.4;EU:10.9;APAC:13.7;EM:3.9;Other:2.1,Value:+0.7;Growth:+0.8;Quality:+0.7;Size:-0.4;Momentum:+0.1;LowVol:+0.8,MaxPos7%,7,25,6.9,trailing 7%,191,26.2,Bear,32.2,3.99,2.2,185,-32,37,90,true,Hedge,Buy index puts 1% notional,15,-6,BrokerC,MKT,95,VAR>budget,Hedge,Risk above budget threshold,-38,-9,61,5,false,Monitor dispersion and breadth
P2794,Hands-off,Trust,USD,2025-06-11,375193,16894,358299,1.0,62.9,24.0,6.5,6.6,MUB:17.2%;VTI:19.6%;HYG:21.1%;GLD:21.1%;AMZN:21.1%,US:59.1;EU:16.4;APAC:13.1;EM:10.0;Other:1.4,Value:-0.9;Growth:+0.1;Quality:-0.3;Size:-0.6;Momentum:+0.2;LowVol:+0.5,ESGOnly,6,35,3.4,trailing 8%,130,14.7,Sideways,21.4,4.12,2.9,132,-20,35,66,false,Sell,Trim extended winner -1%,25,-26,BrokerA,VWAP,87,None,None,Normal monitoring,60,-13,22,4,false,Increase defensive factor exposure
P2795,Hands-off,401k,USD,2025-11-03,761483,68122,693361,1.0,62.8,27.0,4.4,5.9,MUB:37.0%;AMZN:37.0%;BRK.B:26.0%,US:55.9;EU:16.1;APAC:13.9;EM:10.0;Other:4.1,Value:0.0;Growth:+0.4;Quality:-0.4;Size:-0.4;Momentum:+0.1;LowVol:+0.7,ESGOnly;MaxPos7%;NoDerivatives,8,25,4.3,trailing 8%,126,15.5,Bull,14.4,4.83,3.3,117,45,84,39,false,Sell,Trim extended winner -1%,-15,0,BrokerA,MKT,93,None,None,Normal monitoring,-51,-57,-40,5,false,Within IPS guidelines
P2796,Opportunistic,Roth,USD,2025-12-03,1429915,96268,1333647,1.0,73.4,19.9,0.0,6.7,VNQ:33.3%;BND:33.3%;GLD:33.3%,US:70.3;EU:5.4;APAC:11.4;EM:8.8;Other:4.0,Value:+0.2;Growth:0.0;Quality:+0.1;Size:-0.2;Momentum:-0.7;LowVol:+0.8,,10,25,6.1,trailing 9%,235,33.1,Volatile,26.8,4.98,4.1,160,31,67,78,true,Hedge,Buy index puts 1% notional,-9,-16,BrokerA,MKT,94,Drift>tolerance,Reduce,Allocation drift beyond policy bands,92,-56,134,4,false,Tighten stops on momentum names
P2797,Hands-off,Roth,USD,2024-08-11,636181,56054,580127,1.0,59.7,22.1,11.3,6.9,QQQ:34.8%;VNQ:34.8%;IEF:30.4%,US:64.4;EU:18.1;APAC:6.9;EM:9.7;Other:0.9,Value:+0.9;Growth:-0.5;Quality:-0.2;Size:+1.0;Momentum:+0.1;LowVol:+0.2,NoDerivatives,10,30,3.9,trailing 8%,138,16.0,Bull,17.5,4.61,2.1,70,107,100,56,false,Buy,Add to core equity +1%,-4,-17,BrokerC,MKT,90,None,None,Normal monitoring,67,5,93,3,false,Tax-aware sells next window
P2798,Hands-off,Roth,USD,2025-04-11,342384,21008,321376,1.0,58.4,26.6,5.7,9.2,TSLA:14.5%;BND:19.4%;XLF:22.0%;AAPL:22.0%;MUB:22.0%,US:60.8;EU:13.5;APAC:13.5;EM:8.0;Other:4.1,Value:+0.7;Growth:+0.6;Quality:-0.4;Size:+0.9;Momentum:+0.9;LowVol:+0.3,ESGOnly,7,35,4.2,trailing 10%,110,16.6,Sideways,16.5,3.97,3.4,129,-4,54,48,false,Buy,Add to core equity +1%,25,-8,BrokerA,LMT,98,None,None,Normal monitoring,99,-29,232,3,false,Within IPS guidelines
P2799,Hands-off,IRA,USD,2025-03-02,362381,32942,329439,1.0,65.8,19.7,6.1,8.5,MUB:20.4%;AAPL:6.1%;BRK.B:15.4%;GLD:18.2%;BND:20.5%;TLT:19.4%,US:70.6;EU:6.3;APAC:12.1;EM:9.0;Other:2.0,Value:-0.5;Growth:+0.2;Quality:+0.9;Size:-0.5;Momentum:+0.7;LowVol:-0.1,,7,35,5.8,trailing 8%,111,13.6,Volatile,25.4,4.49,2.4,122,41,74,70,false,Hedge,Add TLT +1% as duration hedge,18,-30,BrokerB,LMT,99,None,None,Normal monitoring,28,-36,13,5,false,Within IPS guidelines
P2800,Opportunistic,401k,USD,2025-12-07,1228841,72723,1156118,1.0,62.6,20.1,9.8,7.4,VNQ:20.2%;VOO:16.1%;TLT:10.7%;MSFT:19.0%;VTI:19.1%;BND:14.9%,US:71.1;EU:7.6;APAC:7.9;EM:9.1;Other:4.3,Value:+0.3;Growth:+0.6;Quality:-0.0;Size:+0.6;Momentum:+0.1;LowVol:+0.4,MaxPos5%;NoDerivatives,6,25,5.1,trailing 9%,272,27.9,Volatile,26.6,4.24,3.5,131,52,63,76,true,Hedge,Buy index puts 1% notional,4,8,BrokerD,MKT,94,Drift>tolerance,Reduce,Allocation drift beyond policy bands,41,-59,172,3,false,Tighten stops on momentum names
P2801,Systematic,IRA,USD,2025-03-21,1724937,102115,1622822,1.0,60.9,31.2,0.0,7.9,GLD:31.8%;VNQ:31.8%;VOO:16.1%;MSFT:20.3%,US:63.1;EU:17.3;APAC:5.0;EM:10.9;Other:3.7,Value:+0.2;Growth:+1.0;Quality:+0.9;Size:+0.4;Momentum:+0.5;LowVol:+0.3,,6,30,4.7,trailing 8%,229,23.9,Sideways,19.5,3.54,2.4,127,-19,43,62,false,NoAction,Within bands; monitor,7,12,BrokerA,MKT,0,None,None,Normal monitoring,117,-45,87,4,false,Within IPS guidelines
P2802,Systematic,Trust,USD,2024-08-14,834484,72331,762153,1.0,66.0,26.8,0.0,7.3,AAPL:25.8%;XLF:37.1%;BRK.B:37.1%,US:69.5;EU:7.4;APAC:7.0;EM:11.3;Other:4.8,Value:-0.0;Growth:-0.4;Quality:+0.3;Size:-1.0;Momentum:-0.2;LowVol:+0.2,,5,25,4.9,trailing 9%,120,24.7,Volatile,24.6,4.57,2.2,158,-47,19,76,true,Rebalance,Rebalance back to target bands,26,-9,BrokerA,LMT,88,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,16,-16,106,3,false,Within IPS guidelines
P2803,Cautious,Taxable,USD,2025-02-24,240513,29676,210837,1.0,35.7,36.5,10.5,17.3,AMZN:21.4%;TLT:17.9%;HYG:30.4%;MUB:30.4%,US:63.8;EU:15.6;APAC:10.4;EM:6.6;Other:3.6,Value:-0.4;Growth:+0.7;Quality:-0.1;Size:-0.1;Momentum:-0.7;LowVol:+0.9,ESGOnly;MaxPos5%;NoMargin,7,30,5.2,trailing 8%,127,16.6,Bear,24.8,3.67,2.2,194,-109,5,44,false,Sell,Trim extended winner -1%,20,0,BrokerB,LMT,89,None,None,Normal monitoring,-16,-2,55,4,false,Increase defensive factor exposure
P2804,Opportunistic,401k,USD,2025-07-08,1132962,41690,1091272,1.16,69.1,19.5,5.8,5.5,VNQ:17.7%;MUB:29.4%;AAPL:29.4%;XLF:23.5%,US:57.6;EU:21.9;APAC:13.5;EM:4.8;Other:2.2,Value:-0.2;Growth:+0.2;Quality:-0.1;Size:-0.7;Momentum:+0.7;LowVol:+0.1,,8,30,6.4,trailing 7%,176,28.1,Volatile,22.6,3.72,3.9,143,16,46,59,false,Rebalance,Shift +1% to bonds from equity,18,-8,BrokerD,MKT,98,None,None,Normal monitoring,1,-17,105,5,false,Increase defensive factor exposure
P2805,Hands-off,IRA,USD,2025-03-26,899183,49085,850098,1.0,64.8,28.7,0.0,6.5,BND:25.5%;VTI:25.5%;VOO:23.6%;TSLA:25.5%,US:69.4;EU:7.6;APAC:12.1;EM:8.4;Other:2.4,Value:+0.5;Growth:-0.2;Quality:-0.2;Size:-0.4;Momentum:-0.8;LowVol:+0.8,MaxPos7%,6,35,5.1,trailing 8%,151,13.9,Bull,13.1,3.84,3.0,115,35,69,44,false,Buy,Add to core equity +1%,9,-24,BrokerC,MKT,94,None,None,Normal monitoring,35,19,22,4,false,Increase defensive factor exposure
P2806,Opportunistic,Trust,USD,2025-04-23,1016732,66525,950207,1.12,77.0,12.1,2.4,8.5,GLD:33.3%;MSFT:33.3%;MUB:33.3%,US:71.6;EU:10.7;APAC:12.4;EM:4.9;Other:0.5,Value:-0.4;Growth:+0.2;Quality:-0.4;Size:-0.7;Momentum:-0.7;LowVol:+0.9,,8,35,7.0,trailing 9%,229,27.3,Volatile,31.6,4.13,2.7,140,56,84,94,true,Hedge,Buy index puts 1% notional,5,2,BrokerC,MKT,99,VAR>budget,Hedge,Risk above budget threshold,66,-56,161,5,false,Monitor dispersion and breadth
P2807,Cautious,Trust,USD,2024-07-25,846925,89047,757878,1.0,49.4,36.4,0.6,13.5,GLD:34.3%;TSLA:34.3%;VNQ:31.3%,US:67.7;EU:10.5;APAC:8.2;EM:7.9;Other:5.7,Value:+0.4;Growth:+0.3;Quality:-0.3;Size:-0.6;Momentum:-0.7;LowVol:-0.5,MaxPos6%;NoMargin,6,25,6.0,hard 10%,164,20.0,Sideways,17.3,3.61,2.5,123,11,40,53,false,Hedge,Add TLT +1% as duration hedge,1,5,BrokerB,LMT,96,None,None,Normal monitoring,94,-18,161,5,false,Tax-aware sells next window
P2808,Opportunistic,Taxable,USD,2025-12-26,567579,34300,533279,1.0,62.4,19.5,11.8,6.3,VTI:22.8%;MUB:12.3%;VOO:19.2%;AMZN:22.8%;TSLA:22.8%,US:66.7;EU:11.4;APAC:11.5;EM:10.1;Other:0.4,Value:-0.6;Growth:+0.2;Quality:+0.5;Size:+0.3;Momentum:+0.2;LowVol:+0.4,MaxPos8%,5,25,5.0,hard 12%,167,21.0,Sideways,15.4,3.58,3.2,128,8,49,45,false,Rebalance,Shift +1% to bonds from equity,5,-12,BrokerA,LMT,94,None,None,Normal monitoring,11,-42,-23,4,false,Monitor dispersion and breadth
P2809,Hands-off,IRA,USD,2025-09-08,239008,10369,228639,1.0,62.3,29.5,0.0,8.2,IEF:35.4%;XLF:29.2%;TSLA:35.4%,US:77.8;EU:7.5;APAC:6.5;EM:7.9;Other:0.3,Value:+0.1;Growth:-0.8;Quality:-0.8;Size:+0.4;Momentum:-0.1;LowVol:+0.3,MaxPos7%,7,30,3.8,trailing 10%,132,13.1,Volatile,20.3,3.76,3.6,143,56,83,50,false,Buy,Add to core equity +1%,14,-39,BrokerB,MKT,86,None,None,Normal monitoring,1,-56,102,5,false,Monitor dispersion and breadth
P2810,Opportunistic,Taxable,USD,2025-11-25,1602139,128124,1474015,1.0,73.1,16.3,5.8,4.8,VOO:33.3%;BRK.B:33.3%;IEF:33.3%,US:68.7;EU:14.8;APAC:9.6;EM:5.9;Other:1.1,Value:+0.2;Growth:+0.1;Quality:+0.1;Size:+0.9;Momentum:-0.4;LowVol:+0.2,,6,25,5.8,trailing 7%,249,29.7,Bull,16.2,4.75,2.4,79,105,92,57,false,Buy,Add to core equity +1%,-15,-7,BrokerD,VWAP,91,None,None,Normal monitoring,25,-16,152,3,false,Tighten stops on momentum names
P2811,Cautious,Taxable,USD,2024-10-06,152530,14209,138321,1.0,49.0,36.4,0.0,14.6,TLT:21.7%;XLF:9.8%;HYG:21.7%;VNQ:20.9%;IEF:13.7%;VOO:12.1%,US:59.1;EU:15.3;APAC:10.4;EM:9.9;Other:5.3,Value:-0.8;Growth:-0.3;Quality:+0.3;Size:-0.3;Momentum:-1.0;LowVol:+0.8,NoDerivatives;NoMargin,6,30,3.2,trailing 10%,159,14.9,Bull,16.6,4.76,2.2,85,99,90,49,false,Buy,Add to core equity +1%,-10,-27,BrokerA,MKT,97,None,None,Normal monitoring,28,-20,67,3,false,Tighten stops on momentum names
P2812,Cautious,Trust,USD,2024-11-15,689519,65068,624451,1.0,45.2,40.6,0.0,14.2,GLD:12.9%;XLF:22.9%;TLT:22.9%;VNQ:18.5%;TSLA:22.9%,US:67.5;EU:13.4;APAC:6.3;EM:11.6;Other:1.2,Value:-1.0;Growth:-0.4;Quality:+0.6;Size:+0.8;Momentum:+0.5;LowVol:+0.5,ESGOnly;MaxPos6%;NoMargin,6,30,4.5,trailing 8%,153,16.8,Sideways,19.8,4.71,3.4,120,43,68,47,false,Rebalance,Shift +1% to bonds from equity,16,-17,BrokerD,MKT,90,None,None,Normal monitoring,64,-55,189,5,false,Increase defensive factor exposure
P2813,Active,401k,USD,2025-11-05,860492,68632,791860,1.0,55.7,28.3,7.2,8.8,MUB:23.6%;QQQ:9.9%;VTI:23.6%;VNQ:19.4%;AAPL:23.6%,US:65.9;EU:10.8;APAC:6.6;EM:11.3;Other:5.4,Value:-0.8;Growth:0.0;Quality:-0.0;Size:-0.8;Momentum:+0.7;LowVol:+0.7,MaxPos5%,8,30,4.0,hard 12%,123,21.2,Bull,16.8,4.95,3.3,90,103,99,41,false,NoAction,Within bands; monitor,27,13,BrokerB,LMT,85,None,None,Normal monitoring,27,5,34,5,false,Within IPS guidelines
P2814,Opportunistic,Trust,USD,2025-01-06,1338883,40785,1298098,1.0,67.5,18.8,5.7,8.1,VTI:28.4%;XLF:14.7%;AAPL:28.4%;MSFT:28.4%,US:65.8;EU:18.7;APAC:11.1;EM:3.7;Other:0.7,Value:+0.6;Growth:-0.3;Quality:+0.9;Size:-0.4;Momentum:0.0;LowVol:+0.6,,6,25,5.8,hard 12%,257,28.0,Bear,24.4,4.12,1.8,215,25,62,77,true,Rebalance,Rebalance back to target bands,17,-13,BrokerC,VWAP,98,RegimeShift,TightenStops,Volatility spike and breadth deterioration,82,-21,45,2,false,Tighten stops on momentum names
P2815,Active,IRA,USD,2025-10-02,1623134,169714,1453420,1.0,58.1,28.5,4.5,9.0,MSFT:21.1%;VTI:21.7%;TLT:21.7%;MUB:18.2%;VOO:17.3%,US:63.8;EU:16.6;APAC:11.8;EM:7.8;Other:0.1,Value:+0.8;Growth:-0.1;Quality:+0.4;Size:-0.7;Momentum:+0.1;LowVol:+0.5,,10,35,5.6,trailing 9%,193,27.0,Bull,11.4,4.15,2.5,89,71,91,40,false,NoAction,Within bands; monitor,30,-16,BrokerA,LMT,86,None,None,Normal monitoring,4,-46,36,4,false,Tax-aware sells next window
P2816,Active,Taxable,USD,2025-01-14,1344325,134530,1209795,1.0,64.5,21.2,8.5,5.8,MUB:23.8%;XLF:18.9%;VNQ:16.5%;AAPL:23.8%;GLD:17.0%,US:69.3;EU:18.6;APAC:7.1;EM:4.1;Other:0.9,Value:-0.5;Growth:-0.6;Quality:+0.5;Size:-0.8;Momentum:+0.6;LowVol:+0.9,MaxPos8%,6,25,5.7,hard 12%,141,21.5,Bull,14.0,3.98,3.4,74,53,71,53,false,NoAction,Within bands; monitor,-1,5,BrokerB,VWAP,89,None,None,Normal monitoring,38,-5,177,3,false,Within IPS guidelines
P2817,Cautious,IRA,USD,2025-02-25,822322,100887,721435,1.0,53.9,35.5,0.5,10.1,MUB:23.9%;BRK.B:23.9%;AMZN:23.9%;GLD:14.8%;TSLA:13.6%,US:78.6;EU:7.6;APAC:7.0;EM:5.7;Other:1.1,Value:+0.1;Growth:-0.9;Quality:+0.3;Size:-0.3;Momentum:+0.1;LowVol:+0.4,ESGOnly;NoMargin,7,25,4.1,hard 10%,117,13.4,Bull,14.3,4.35,3.3,108,95,86,32,false,Buy,Add to core equity +1%,-3,2,BrokerC,LMT,91,None,None,Normal monitoring,19,-37,127,3,false,Tax-aware sells next window
P2818,Hands-off,Roth,USD,2025-11-01,466354,31901,434453,1.0,59.9,24.9,5.3,10.0,BRK.B:20.2%;XLF:8.6%;VTI:7.2%;MUB:21.5%;MSFT:20.9%;AMZN:21.5%,US:64.3;EU:12.1;APAC:14.2;EM:8.7;Other:0.8,Value:-0.9;Growth:-0.0;Quality:+1.0;Size:+0.3;Momentum:+0.8;LowVol:-0.1,ESGOnly,10,30,3.9,trailing 8%,114,17.0,Sideways,16.2,4.0,2.8,100,-20,35,45,false,Buy,Add to core equity +1%,27,-35,BrokerC,LMT,98,None,None,Normal monitoring,-52,8,-37,5,false,Monitor dispersion and breadth
P2819,Cautious,401k,USD,2024-11-23,492595,74582,418013,1.0,38.8,41.0,3.7,16.5,BND:27.8%;VTI:27.8%;VOO:26.5%;AMZN:17.8%,US:64.7;EU:13.2;APAC:11.7;EM:7.0;Other:3.4,Value:-0.7;Growth:-0.9;Quality:+0.7;Size:-0.4;Momentum:-0.4;LowVol:+0.7,ESGOnly;MaxPos5%;NoMargin,7,35,3.3,hard 10%,143,12.3,Sideways,18.5,3.51,2.2,130,30,55,31,false,Rebalance,Shift +1% to bonds from equity,21,-1,BrokerD,MKT,89,None,None,Normal monitoring,62,4,166,3,false,Monitor dispersion and breadth
P2820,Hands-off,401k,USD,2025-03-17,781522,73858,707664,1.0,55.1,24.1,14.1,6.6,AMZN:16.3%;BRK.B:23.6%;MUB:14.7%;IEF:23.6%;QQQ:21.8%,US:66.7;EU:9.8;APAC:10.7;EM:12.0;Other:0.7,Value:+0.3;Growth:+0.7;Quality:-0.2;Size:+0.3;Momentum:-0.5;LowVol:+0.8,,10,35,3.6,hard 10%,170,16.5,Bull,15.8,4.9,2.6,86,22,71,53,true,Hedge,Buy index puts 1% notional,6,-30,BrokerA,LMT,100,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-20,-5,7,4,false,Tighten stops on momentum names
P2821,Hands-off,Taxable,USD,2025-11-18,806590,62663,743927,1.0,68.3,26.1,0.0,5.6,BND:22.7%;VNQ:22.7%;MUB:16.0%;TLT:22.7%;IEF:16.0%,US:68.8;EU:10.7;APAC:13.0;EM:6.6;Other:0.9,Value:-0.5;Growth:-0.9;Quality:+0.5;Size:-0.0;Momentum:+0.1;LowVol:+0.5,ESGOnly,10,35,4.9,trailing 8%,163,13.5,Volatile,31.8,4.65,3.9,150,-21,39,78,true,Rebalance,Rebalance back to target bands,24,-9,BrokerB,VWAP,91,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,101,-36,129,2,true,Tax-aware sells next window
P2822,Cautious,Taxable,USD,2025-05-17,306335,42076,264259,1.0,40.8,40.3,8.6,10.3,QQQ:14.2%;TSLA:24.8%;VOO:20.1%;XLF:16.1%;BRK.B:24.8%,US:64.7;EU:17.9;APAC:9.3;EM:6.3;Other:1.7,Value:+0.3;Growth:-0.9;Quality:-0.4;Size:-0.2;Momentum:-0.9;LowVol:-0.6,ESGOnly;NoMargin,6,25,4.7,trailing 10%,128,19.1,Bull,14.3,3.58,3.0,82,78,82,40,false,Rebalance,Shift +1% to bonds from equity,28,-27,BrokerB,MKT,86,None,None,Normal monitoring,92,-51,125,3,false,Tax-aware sells next window
P2823,Active,Roth,USD,2024-07-30,1553416,126931,1426485,1.0,63.5,18.9,9.9,7.7,HYG:15.3%;VTI:22.0%;BRK.B:22.0%;IEF:22.0%;MSFT:18.7%,US:70.3;EU:9.0;APAC:8.8;EM:7.4;Other:4.6,Value:+0.2;Growth:-0.4;Quality:+0.8;Size:+0.3;Momentum:+0.5;LowVol:-0.4,MaxPos6%,7,35,5.0,hard 12%,169,24.9,Bull,14.5,4.88,2.1,84,0,45,42,false,Sell,Trim extended winner -1%,-6,-10,BrokerB,LMT,92,None,None,Normal monitoring,-10,-18,58,3,false,Increase defensive factor exposure
P2824,Hands-off,Roth,USD,2025-07-27,743283,70583,672700,1.0,56.2,28.6,5.5,9.6,HYG:22.7%;MSFT:22.7%;BRK.B:10.9%;TLT:21.1%;QQQ:22.7%,US:71.5;EU:9.0;APAC:7.4;EM:7.7;Other:4.4,Value:-0.0;Growth:+0.6;Quality:+0.3;Size:+0.7;Momentum:+1.0;LowVol:+0.2,ESGOnly;NoDerivatives,10,25,3.8,trailing 8%,93,15.1,Sideways,17.6,3.62,2.9,104,38,60,51,false,Rebalance,Shift +1% to bonds from equity,19,-18,BrokerD,MKT,88,None,None,Normal monitoring,-49,2,-35,4,false,Within IPS guidelines
P2825,Opportunistic,401k,USD,2024-08-03,1451498,106211,1345287,1.0,73.1,20.6,0.0,6.3,GLD:18.6%;VOO:27.1%;QQQ:27.1%;HYG:27.1%,US:65.9;EU:16.1;APAC:8.5;EM:7.1;Other:2.4,Value:-0.1;Growth:-1.0;Quality:-0.6;Size:+0.9;Momentum:-0.0;LowVol:-0.8,,8,25,5.7,trailing 9%,185,25.4,Sideways,21.7,3.94,2.0,92,6,48,62,true,Rebalance,Rebalance back to target bands,21,14,BrokerB,MKT,88,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-36,-7,-23,3,false,Tighten stops on momentum names
P2826,Active,Trust,USD,2025-08-12,1785222,126645,1658577,1.0,61.1,19.3,12.8,6.8,HYG:20.9%;BRK.B:14.0%;BND:17.8%;GLD:23.7%;VNQ:23.7%,US:61.9;EU:14.8;APAC:13.2;EM:8.5;Other:1.6,Value:+0.7;Growth:+0.8;Quality:+0.9;Size:+0.1;Momentum:-0.1;LowVol:-0.1,MaxPos7%;NoDerivatives,7,25,5.7,trailing 8%,153,26.1,Sideways,21.5,4.01,3.4,102,25,47,52,false,Rebalance,Shift +1% to bonds from equity,21,-23,BrokerC,MKT,85,None,None,Normal monitoring,3,-30,30,4,false,Monitor dispersion and breadth
P2827,Active,401k,USD,2025-07-30,2126733,224744,1901989,1.0,51.2,26.8,14.6,7.4,MUB:33.3%;XLF:33.3%;BND:33.3%,US:67.9;EU:7.4;APAC:11.7;EM:8.6;Other:4.4,Value:+0.9;Growth:-0.2;Quality:+0.8;Size:-0.1;Momentum:-0.2;LowVol:+0.1,NoDerivatives,7,25,5.4,trailing 8%,230,23.8,Volatile,20.3,4.41,3.8,112,54,74,44,false,Rebalance,Shift +1% to bonds from equity,25,-27,BrokerA,LMT,87,None,None,Normal monitoring,35,5,81,4,false,Tighten stops on momentum names
P2828,Systematic,Roth,USD,2025-04-19,1786007,155285,1630722,1.0,57.4,27.0,8.2,7.5,XLF:28.2%;VNQ:15.3%;IEF:28.2%;TLT:28.2%,US:72.1;EU:12.3;APAC:7.7;EM:6.2;Other:1.7,Value:-0.3;Growth:-0.5;Quality:+0.4;Size:-0.4;Momentum:-0.7;LowVol:-0.1,,6,25,4.5,trailing 9%,180,17.9,Bear,28.5,3.33,1.0,183,-36,19,67,false,Rebalance,Shift +1% to bonds from equity,33,14,BrokerB,LMT,86,None,None,Normal monitoring,107,-40,200,5,false,Monitor dispersion and breadth
P2829,Active,401k,USD,2025-07-09,1500934,148593,1352341,1.19,64.1,27.5,0.0,8.4,VNQ:24.2%;IEF:15.2%;QQQ:12.3%;TLT:24.2%;BRK.B:24.2%,US:53.8;EU:17.6;APAC:13.8;EM:10.3;Other:4.5,Value:+0.2;Growth:-0.2;Quality:+0.4;Size:+0.5;Momentum:-0.1;LowVol:-0.8,MaxPos5%;NoDerivatives,6,35,5.0,trailing 8%,181,22.1,Sideways,20.8,3.78,3.0,129,48,78,61,false,Rebalance,Shift +1% to bonds from equity,-4,-32,BrokerD,LMT,99,None,None,Normal monitoring,49,-36,181,5,false,Monitor dispersion and breadth
P2830,Opportunistic,401k,USD,2025-08-11,1572162,96539,1475623,1.0,70.3,10.6,11.6,7.6,TLT:18.7%;VOO:16.6%;AMZN:20.4%;BRK.B:20.4%;MSFT:13.1%;VNQ:10.8%,US:61.6;EU:13.7;APAC:17.0;EM:5.8;Other:1.9,Value:+0.3;Growth:+0.2;Quality:+0.7;Size:+0.7;Momentum:+0.1;LowVol:+0.1,NoDerivatives,5,25,4.4,trailing 9%,263,24.6,Sideways,14.6,4.92,2.1,120,54,78,41,false,Rebalance,Shift +1% to bonds from equity,23,-12,BrokerD,VWAP,89,None,None,Normal monitoring,-52,-6,-92,5,false,Increase defensive factor exposure
P2831,Cautious,Taxable,USD,2024-12-14,877240,129991,747249,1.0,38.8,44.4,0.0,16.8,TLT:7.7%;VNQ:17.9%;IEF:19.2%;BRK.B:20.1%;AAPL:15.0%;VOO:20.1%,US:72.9;EU:10.3;APAC:9.4;EM:6.7;Other:0.8,Value:-1.0;Growth:-0.3;Quality:+1.0;Size:-0.3;Momentum:-0.3;LowVol:-0.7,ESGOnly;NoMargin,7,25,3.7,trailing 8%,163,15.3,Sideways,15.1,4.36,3.2,102,-26,32,24,false,Buy,Add to core equity +1%,-10,-8,BrokerB,LMT,98,None,None,Normal monitoring,20,10,-17,4,false,Increase defensive factor exposure
P2832,Cautious,Taxable,USD,2025-05-12,291733,38837,252896,1.0,37.9,38.4,9.8,13.9,QQQ:33.3%;GLD:33.3%;BRK.B:33.3%,US:67.1;EU:12.3;APAC:12.6;EM:6.3;Other:1.6,Value:+0.2;Growth:+0.7;Quality:-1.0;Size:-0.0;Momentum:+0.9;LowVol:-0.1,NoMargin,5,35,5.9,trailing 8%,96,15.4,Volatile,24.2,3.97,3.0,180,-58,25,46,false,Sell,Trim extended winner -1%,16,-14,BrokerD,MKT,94,None,None,Normal monitoring,-52,-56,72,4,false,Within IPS guidelines
P2833,Opportunistic,401k,USD,2025-05-17,1419470,92277,1327193,1.0,65.7,10.6,15.8,8.0,AAPL:15.4%;MUB:22.8%;TSLA:12.8%;IEF:24.6%;TLT:24.4%,US:72.3;EU:10.9;APAC:7.9;EM:7.4;Other:1.6,Value:+0.8;Growth:+0.2;Quality:-0.4;Size:-0.2;Momentum:0.0;LowVol:-0.1,,5,35,5.0,hard 12%,195,23.8,Volatile,29.8,3.91,4.2,175,65,79,77,true,Hedge,Buy index puts 1% notional,25,-19,BrokerC,VWAP,88,VAR>budget,Hedge,Risk above budget threshold,-42,-37,-59,2,false,Tighten stops on momentum names
P2834,Cautious,Roth,USD,2025-10-04,464875,40614,424261,1.0,43.2,41.3,4.8,10.7,XLF:35.9%;BRK.B:28.2%;VNQ:35.9%,US:74.9;EU:8.5;APAC:9.8;EM:6.0;Other:0.8,Value:-0.9;Growth:-0.5;Quality:+0.9;Size:+0.7;Momentum:+0.6;LowVol:+0.5,MaxPos7%;NoMargin,10,35,5.0,trailing 8%,90,14.7,Bull,14.1,4.75,2.9,93,17,60,40,false,Sell,Trim extended winner -1%,1,-34,BrokerC,VWAP,95,None,None,Normal monitoring,-34,-7,-28,5,false,Tax-aware sells next window
P2835,Cautious,IRA,USD,2025-12-11,185424,27960,157464,1.0,47.8,38.0,0.0,14.1,IEF:26.6%;TSLA:26.6%;XLF:20.3%;AMZN:26.6%,US:68.8;EU:14.1;APAC:8.9;EM:3.9;Other:4.2,Value:+0.6;Growth:+0.3;Quality:-0.7;Size:-0.6;Momentum:-0.9;LowVol:-0.1,NoMargin,10,25,3.2,trailing 8%,115,14.5,Sideways,17.9,4.54,2.9,99,48,76,36,true,Hedge,Buy index puts 1% notional,25,-6,BrokerA,LMT,91,VAR>budget,Reduce,Risk above budget threshold,-49,-32,-15,5,true,Tax-aware sells next window
P2836,Active,Taxable,USD,2025-08-30,2113441,218403,1895038,1.0,60.7,26.5,4.8,8.0,VOO:27.8%;BND:16.5%;GLD:27.8%;MSFT:27.8%,US:63.0;EU:19.4;APAC:10.8;EM:3.9;Other:2.8,Value:-0.6;Growth:-0.7;Quality:+0.1;Size:-0.0;Momentum:0.0;LowVol:+0.6,,6,30,4.8,trailing 9%,141,22.8,Sideways,20.6,3.7,2.7,125,-18,48,48,false,Rebalance,Shift +1% to bonds from equity,-4,-13,BrokerB,LMT,88,None,None,Normal monitoring,76,-58,211,5,false,Increase defensive factor exposure
P2837,Active,Roth,USD,2025-01-07,2078383,145657,1932726,1.0,52.0,20.5,20.4,7.1,AMZN:28.7%;IEF:28.7%;MSFT:13.8%;XLF:28.7%,US:64.5;EU:13.3;APAC:9.9;EM:7.9;Other:4.5,Value:-0.1;Growth:-0.9;Quality:+0.3;Size:+0.9;Momentum:-0.1;LowVol:+0.9,,6,35,5.7,trailing 9%,167,20.0,Volatile,28.8,4.69,3.9,130,-35,45,62,false,Hedge,Add TLT +1% as duration hedge,22,-30,BrokerD,MKT,98,None,None,Normal monitoring,-38,12,1,5,false,Monitor dispersion and breadth
P2838,Systematic,IRA,USD,2024-11-03,1432046,140402,1291644,1.0,65.3,29.2,0.0,5.5,IEF:22.3%;GLD:22.3%;HYG:14.9%;BRK.B:22.3%;MUB:18.3%,US:73.2;EU:9.8;APAC:8.3;EM:6.4;Other:2.3,Value:+0.6;Growth:+0.4;Quality:+0.3;Size:-0.8;Momentum:+0.7;LowVol:-0.1,,10,25,5.8,hard 12%,165,23.6,Bull,11.6,3.79,3.5,108,20,52,48,false,Sell,Trim extended winner -1%,12,2,BrokerB,LMT,90,None,None,Normal monitoring,-30,-25,109,3,false,Within IPS guidelines
P2839,Systematic,IRA,USD,2025-12-05,1578265,85214,1493051,1.0,69.2,20.6,5.1,5.2,QQQ:18.8%;AAPL:16.6%;VOO:20.7%;HYG:20.2%;XLF:10.0%;BND:13.6%,US:63.7;EU:20.5;APAC:6.0;EM:7.3;Other:2.5,Value:-0.2;Growth:-0.5;Quality:+0.6;Size:-0.8;Momentum:-0.6;LowVol:+0.9,NoDerivatives,8,35,4.1,hard 12%,179,18.1,Sideways,18.6,4.06,2.7,130,-7,31,50,false,Rebalance,Shift +1% to bonds from equity,25,-3,BrokerD,LMT,86,None,None,Normal monitoring,117,-41,252,5,false,Tax-aware sells next window
P2840,Cautious,Trust,USD,2025-06-22,889722,96845,792877,1.0,48.3,38.1,0.0,13.6,VNQ:15.7%;MSFT:20.5%;BRK.B:11.8%;VOO:22.1%;VTI:13.1%;QQQ:16.7%,US:64.4;EU:17.1;APAC:9.6;EM:4.7;Other:4.3,Value:-0.5;Growth:-0.9;Quality:+0.9;Size:+0.6;Momentum:+0.1;LowVol:+0.4,NoMargin,10,35,3.2,trailing 8%,95,13.1,Bull,15.7,3.6,2.8,83,50,80,31,false,NoAction,Within bands; monitor,6,1,BrokerB,LMT,92,None,None,Normal monitoring,-14,0,125,5,false,Monitor dispersion and breadth
P2841,Hands-off,401k,USD,2024-11-09,235403,18049,217354,1.0,71.0,16.0,4.5,8.5,VOO:24.5%;MSFT:20.1%;QQQ:15.0%;BND:15.8%;TLT:24.5%,US:62.9;EU:15.3;APAC:12.4;EM:4.6;Other:4.8,Value:+0.8;Growth:+0.6;Quality:+0.7;Size:-0.8;Momentum:-0.9;LowVol:-0.6,,6,30,3.2,trailing 10%,137,13.3,Sideways,18.0,4.79,3.0,116,50,85,63,false,Rebalance,Shift +1% to bonds from equity,-5,-8,BrokerB,LMT,87,None,None,Normal monitoring,-8,-46,120,5,false,Within IPS guidelines
P2842,Systematic,IRA,USD,2025-07-28,1671228,97387,1573841,1.0,67.8,23.3,3.7,5.3,BRK.B:22.0%;VTI:17.7%;XLF:22.0%;MSFT:22.0%;AAPL:16.2%,US:63.4;EU:12.8;APAC:10.3;EM:10.2;Other:3.3,Value:-0.2;Growth:+1.0;Quality:-0.6;Size:-0.3;Momentum:-0.7;LowVol:+0.1,MaxPos5%,6,35,5.6,trailing 8%,122,28.0,Bull,13.0,3.96,2.0,107,38,54,48,false,Rebalance,Shift +1% to bonds from equity,2,-38,BrokerA,LMT,85,None,None,Normal monitoring,117,-60,220,3,false,Within IPS guidelines
P2843,Systematic,Taxable,USD,2024-11-04,1136512,106843,1029669,1.0,67.0,26.8,0.0,6.2,HYG:20.4%;QQQ:15.4%;GLD:19.3%;MSFT:11.5%;VOO:20.7%;BRK.B:12.7%,US:71.2;EU:8.5;APAC:12.1;EM:4.7;Other:3.4,Value:-0.6;Growth:-0.5;Quality:+0.5;Size:+0.7;Momentum:-0.9;LowVol:+0.1,,5,25,4.9,hard 12%,143,19.1,Bear,34.9,4.4,1.2,189,-118,5,83,true,Hedge,Buy index puts 1% notional,4,-27,BrokerA,LMT,98,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-19,11,75,5,false,Increase defensive factor exposure
P2844,Hands-off,401k,USD,2024-12-24,690297,29997,660300,1.0,70.8,15.1,8.7,5.4,XLF:19.3%;TLT:21.5%;MUB:9.7%;VOO:19.4%;VNQ:21.5%;HYG:8.5%,US:62.7;EU:19.0;APAC:9.3;EM:5.8;Other:3.2,Value:-0.4;Growth:-0.6;Quality:-0.2;Size:-0.1;Momentum:-0.5;LowVol:+0.5,ESGOnly;MaxPos7%,5,25,3.3,trailing 8%,91,15.3,Bull,14.8,4.43,2.6,104,5,62,46,false,Rebalance,Shift +1% to bonds from equity,-5,-10,BrokerA,MKT,92,None,None,Normal monitoring,-48,-9,-82,5,false,Monitor dispersion and breadth
P2845,Systematic,401k,USD,2025-06-12,1281369,62530,1218839,1.0,56.9,27.3,7.1,8.7,MSFT:33.3%;VTI:33.3%;GLD:33.3%,US:71.3;EU:11.3;APAC:11.1;EM:5.5;Other:0.9,Value:-0.9;Growth:+0.4;Quality:+0.6;Size:-0.9;Momentum:+0.7;LowVol:-0.5,MaxPos5%,6,35,5.0,trailing 9%,163,20.8,Volatile,30.1,4.2,3.1,127,-37,26,83,true,Hedge,Buy index puts 1% notional,17,-8,BrokerD,MKT,96,VAR>budget,Hedge,Risk above budget threshold,-15,7,5,3,false,Tighten stops on momentum names
P2846,Active,Roth,USD,2025-10-13,2303322,251258,2052064,1.24,57.2,28.3,5.7,8.8,IEF:23.3%;BRK.B:23.3%;HYG:16.5%;GLD:13.6%;TLT:23.3%,US:59.0;EU:16.2;APAC:12.6;EM:9.2;Other:3.0,Value:+0.7;Growth:0.0;Quality:-0.1;Size:0.0;Momentum:-0.4;LowVol:+0.9,,8,30,5.5,trailing 8%,122,19.6,Bull,14.8,4.37,2.3,107,117,100,45,true,Reduce,"Cut high-beta by 2-3%, add cash",-15,-9,BrokerB,VWAP,86,RegimeShift,Reduce,Volatility spike and breadth deterioration,-32,-2,-66,3,false,Tighten stops on momentum names
P2847,Cautious,401k,USD,2025-03-25,532917,78209,454708,1.0,48.6,31.8,7.6,12.0,TSLA:33.3%;VTI:33.3%;BND:33.3%,US:74.2;EU:5.6;APAC:9.0;EM:11.1;Other:0.2,Value:-0.1;Growth:+0.7;Quality:+0.4;Size:-0.0;Momentum:+0.1;LowVol:-0.7,ESGOnly;NoDerivatives;NoMargin,6,35,3.1,trailing 10%,103,14.3,Bull,13.2,4.62,2.0,81,109,93,30,false,Rebalance,Shift +1% to bonds from equity,30,-15,BrokerB,LMT,95,None,None,Normal monitoring,66,-52,194,5,false,Tighten stops on momentum names
P2848,Cautious,Taxable,USD,2025-01-05,542098,73304,468794,1.0,51.0,34.7,0.0,14.4,AAPL:26.1%;BND:15.3%;VNQ:26.1%;VTI:16.0%;MUB:16.5%,US:72.1;EU:7.5;APAC:7.7;EM:11.4;Other:1.2,Value:+0.2;Growth:-0.4;Quality:+0.9;Size:-0.2;Momentum:+0.3;LowVol:-0.3,NoMargin,6,30,5.1,trailing 8%,120,14.2,Volatile,28.9,4.79,3.1,177,-33,19,75,true,Hedge,Buy index puts 1% notional,20,2,BrokerD,MKT,100,VAR>budget,Reduce,Risk above budget threshold,-30,-50,-57,5,false,Monitor dispersion and breadth
P2849,Systematic,Roth,USD,2025-02-20,771237,59556,711681,1.0,63.5,26.4,4.7,5.4,IEF:35.6%;XLF:35.6%;MSFT:28.9%,US:71.3;EU:12.6;APAC:5.1;EM:10.6;Other:0.4,Value:+0.4;Growth:+0.5;Quality:+0.1;Size:-0.9;Momentum:+1.0;LowVol:+0.8,NoDerivatives,8,25,6.0,hard 12%,185,16.8,Volatile,23.4,3.66,2.6,113,50,75,59,false,Rebalance,Shift +1% to bonds from equity,4,-19,BrokerD,LMT,86,None,None,Normal monitoring,26,7,125,5,false,Tax-aware sells next window
P2850,Opportunistic,Roth,USD,2024-10-29,1671976,83182,1588794,1.0,72.0,19.9,0.0,8.1,BND:21.5%;XLF:9.6%;VTI:12.8%;AAPL:13.1%;TSLA:21.5%;QQQ:21.5%,US:67.4;EU:13.7;APAC:12.5;EM:4.9;Other:1.5,Value:+0.9;Growth:-0.5;Quality:+0.2;Size:-1.0;Momentum:-0.5;LowVol:-0.3,NoDerivatives,10,35,6.3,trailing 9%,237,22.0,Volatile,22.3,5.11,2.9,143,-35,41,63,false,Hedge,Add TLT +1% as duration hedge,-10,3,BrokerC,MKT,97,None,None,Normal monitoring,119,-39,228,5,false,Increase defensive factor exposure
P2851,Active,Taxable,USD,2025-09-14,1576248,114145,1462103,1.1,62.4,20.6,10.4,6.6,BRK.B:33.3%;GLD:33.3%;VOO:33.3%,US:67.3;EU:10.5;APAC:6.0;EM:11.2;Other:4.9,Value:-0.2;Growth:-0.2;Quality:-0.4;Size:+0.7;Momentum:+0.6;LowVol:-0.2,,10,30,5.7,trailing 9%,148,27.7,Bull,15.1,4.44,2.7,73,70,86,57,false,Rebalance,Shift +1% to bonds from equity,32,-24,BrokerA,LMT,86,None,None,Normal monitoring,51,-32,120,4,false,Increase defensive factor exposure
P2852,Hands-off,Roth,USD,2025-11-12,293994,12562,281432,1.0,73.7,17.0,0.0,9.2,VNQ:15.2%;BND:28.3%;TLT:28.3%;VOO:28.3%,US:64.1;EU:16.8;APAC:12.4;EM:4.6;Other:2.2,Value:+0.5;Growth:-0.9;Quality:-0.5;Size:+0.5;Momentum:+0.6;LowVol:+1.0,,10,30,3.1,hard 10%,140,14.1,Sideways,18.5,4.82,2.3,110,-17,39,54,false,NoAction,Within bands; monitor,-13,11,BrokerC,MKT,0,None,None,Normal monitoring,41,-26,129,3,false,Within IPS guidelines
P2853,Cautious,401k,USD,2024-10-08,547430,52360,495070,1.0,49.6,35.0,1.4,14.0,TSLA:10.4%;BRK.B:21.8%;VOO:21.8%;AMZN:21.8%;TLT:6.7%;GLD:17.5%,US:60.9;EU:11.5;APAC:15.3;EM:11.6;Other:0.8,Value:+0.7;Growth:-0.1;Quality:+0.2;Size:+0.6;Momentum:-0.9;LowVol:+0.9,NoDerivatives;NoMargin,10,25,4.6,trailing 10%,97,16.2,Volatile,29.7,4.92,4.3,127,-59,10,63,false,Hedge,Add TLT +1% as duration hedge,-6,-7,BrokerB,MKT,91,None,None,Normal monitoring,-19,18,21,3,false,Increase defensive factor exposure
P2854,Opportunistic,Taxable,USD,2025-03-21,1204989,94130,1110859,1.24,62.2,13.7,19.9,4.2,TLT:21.0%;MUB:21.4%;TSLA:12.9%;BND:22.4%;XLF:22.4%,US:66.6;EU:15.6;APAC:12.0;EM:4.4;Other:1.3,Value:+0.3;Growth:+0.7;Quality:-0.2;Size:-1.0;Momentum:-0.3;LowVol:+0.3,MaxPos7%,8,25,4.5,trailing 7%,201,23.7,Bull,16.3,4.5,2.4,86,92,100,43,false,Buy,Add to core equity +1%,-6,-35,BrokerD,VWAP,94,None,None,Normal monitoring,-37,17,57,4,false,Tighten stops on momentum names
P2855,Cautious,Trust,USD,2024-07-22,732237,71013,661224,1.0,46.9,38.4,0.0,14.6,XLF:23.1%;TLT:9.2%;TSLA:23.1%;VTI:23.1%;MUB:21.5%,US:77.3;EU:10.3;APAC:5.9;EM:4.2;Other:2.2,Value:-0.1;Growth:-0.2;Quality:+0.2;Size:+0.2;Momentum:-0.4;LowVol:+1.0,NoMargin,10,25,3.0,trailing 8%,131,16.8,Volatile,31.8,4.43,2.5,168,-14,38,80,true,Reduce,"Cut high-beta by 2-3%, add cash",-9,-10,BrokerB,LMT,99,Drift>tolerance,Reduce,Allocation drift beyond policy bands,1,20,-39,2,false,Tighten stops on momentum names
P2856,Cautious,IRA,USD,2025-04-09,327121,42784,284337,1.0,39.6,35.1,9.5,15.8,MUB:14.3%;QQQ:21.6%;AAPL:20.8%;TSLA:21.6%;BND:21.6%,US:66.0;EU:17.3;APAC:6.4;EM:10.0;Other:0.3,Value:0.0;Growth:-0.2;Quality:+0.5;Size:+0.4;Momentum:-0.7;LowVol:+0.2,ESGOnly;MaxPos5%;NoDerivatives;NoMargin,7,30,5.7,hard 10%,161,18.3,Sideways,21.9,4.79,2.0,97,6,50,46,false,Rebalance,Shift +1% to bonds from equity,-4,-22,BrokerC,MKT,87,None,None,Normal monitoring,65,-51,115,3,false,Tighten stops on momentum names
P2857,Opportunistic,Taxable,USD,2025-05-11,1474423,118646,1355777,1.0,76.6,14.6,0.0,8.8,GLD:26.6%;QQQ:26.6%;MSFT:26.6%;AMZN:20.1%,US:58.4;EU:21.1;APAC:8.3;EM:10.1;Other:2.1,Value:-0.4;Growth:-0.5;Quality:+0.3;Size:-0.2;Momentum:-0.6;LowVol:+0.1,MaxPos5%;NoDerivatives,7,30,5.9,hard 12%,176,23.8,Sideways,14.3,4.15,2.3,107,-15,49,51,false,NoAction,Within bands; monitor,34,9,BrokerC,MKT,0,None,None,Normal monitoring,28,-2,91,5,false,Tax-aware sells next window
P2858,Systematic,401k,USD,2025-03-15,790629,39608,751021,1.0,58.9,20.5,14.7,5.9,QQQ:16.7%;MUB:20.5%;VTI:12.3%;AAPL:20.5%;VNQ:18.0%;HYG:11.9%,US:72.6;EU:15.0;APAC:7.8;EM:3.7;Other:0.8,Value:-0.2;Growth:-0.9;Quality:-0.1;Size:-0.0;Momentum:+0.8;LowVol:+0.8,,10,25,5.3,trailing 8%,146,25.1,Bull,11.0,4.75,3.3,79,106,100,35,true,Rebalance,Rebalance back to target bands,34,-15,BrokerA,LMT,90,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-60,-15,-74,3,false,Tax-aware sells next window
P2859,Cautious,Roth,USD,2024-10-29,231453,27044,204409,1.0,35.1,41.8,7.8,15.3,HYG:20.8%;IEF:20.8%;VNQ:7.0%;MUB:9.9%;QQQ:20.8%;VOO:20.8%,US:65.5;EU:17.7;APAC:11.2;EM:3.0;Other:2.6,Value:-0.1;Growth:+0.8;Quality:-0.3;Size:-0.6;Momentum:+0.4;LowVol:+0.1,ESGOnly;NoMargin,8,25,5.0,hard 10%,159,13.8,Bear,34.7,4.17,1.2,218,-11,52,67,false,Rebalance,Shift +1% to bonds from equity,33,-26,BrokerA,LMT,98,None,None,Normal monitoring,-50,10,3,4,false,Tax-aware sells next window
P2860,Opportunistic,Trust,USD,2025-01-29,658264,41946,616318,1.0,72.9,19.8,3.1,4.2,BRK.B:19.5%;XLF:18.6%;BND:7.7%;TSLA:18.7%;VTI:20.3%;VNQ:15.2%,US:70.8;EU:11.3;APAC:10.4;EM:5.7;Other:1.9,Value:-1.0;Growth:+0.3;Quality:-0.1;Size:+0.9;Momentum:-0.9;LowVol:+1.0,MaxPos7%;NoDerivatives,10,25,4.8,hard 12%,276,25.0,Sideways,16.7,4.84,2.1,97,29,74,47,false,Sell,Trim extended winner -1%,-5,-2,BrokerA,MKT,90,None,None,Normal monitoring,120,-51,107,5,false,Tighten stops on momentum names
P2861,Opportunistic,IRA,USD,2025-03-12,697734,60255,637479,1.0,69.0,21.7,0.9,8.4,HYG:14.1%;BRK.B:15.0%;MUB:19.6%;MSFT:14.9%;AAPL:16.2%;TLT:20.2%,US:71.0;EU:13.0;APAC:12.3;EM:3.3;Other:0.4,Value:-0.7;Growth:+0.7;Quality:+0.2;Size:-0.7;Momentum:+0.3;LowVol:+0.1,NoDerivatives,10,30,4.6,trailing 7%,258,21.9,Sideways,15.4,4.32,2.1,103,0,48,60,false,Hedge,Add TLT +1% as duration hedge,-15,2,BrokerC,VWAP,90,None,None,Normal monitoring,118,-6,246,3,false,Increase defensive factor exposure
P2862,Active,Trust,USD,2025-03-05,2195385,140741,2054644,1.0,65.6,25.2,0.0,9.2,AMZN:35.0%;QQQ:30.1%;VOO:35.0%,US:65.9;EU:6.5;APAC:14.2;EM:8.5;Other:4.8,Value:-0.6;Growth:+0.3;Quality:+0.6;Size:-0.9;Momentum:-0.8;LowVol:+0.7,,6,25,4.7,trailing 8%,155,25.9,Bull,12.0,3.59,2.7,83,14,45,33,false,Buy,Add to core equity +1%,-8,-20,BrokerB,VWAP,98,None,None,Normal monitoring,14,8,-7,5,false,Monitor dispersion and breadth
P2863,Cautious,401k,USD,2025-09-02,153261,17381,135880,1.0,44.4,38.5,0.5,16.6,GLD:21.5%;XLF:21.5%;VOO:21.5%;QQQ:14.1%;IEF:21.5%,US:58.8;EU:15.1;APAC:9.8;EM:11.4;Other:4.9,Value:-0.1;Growth:-0.8;Quality:-0.9;Size:+0.2;Momentum:+1.0;LowVol:+0.6,MaxPos7%;NoMargin,8,30,5.4,trailing 8%,136,17.0,Bull,17.7,3.81,3.4,70,39,59,40,false,Buy,Add to core equity +1%,10,-6,BrokerD,MKT,94,None,None,Normal monitoring,4,-42,118,4,false,Monitor dispersion and breadth
P2864,Systematic,Roth,USD,2024-08-23,1703169,129892,1573277,1.0,59.3,26.2,7.8,6.7,AAPL:27.3%;XLF:26.5%;IEF:18.8%;HYG:27.3%,US:66.3;EU:15.8;APAC:6.4;EM:8.1;Other:3.4,Value:-0.9;Growth:-0.6;Quality:-0.5;Size:0.0;Momentum:-1.0;LowVol:-0.3,MaxPos8%;NoDerivatives,10,35,5.9,trailing 9%,202,20.2,Bull,15.8,4.38,2.7,112,56,84,51,false,Sell,Trim extended winner -1%,-5,15,BrokerD,MKT,85,None,None,Normal monitoring,93,-53,192,5,false,Tax-aware sells next window
P2865,Active,401k,USD,2024-10-07,597195,39742,557453,1.0,65.7,29.2,0.0,5.1,AMZN:20.4%;IEF:12.9%;AAPL:9.1%;GLD:17.3%;MUB:20.4%;TLT:19.9%,US:66.8;EU:11.6;APAC:9.6;EM:10.0;Other:1.9,Value:-0.2;Growth:-0.9;Quality:-0.8;Size:+0.8;Momentum:+0.7;LowVol:+0.6,NoDerivatives,7,30,4.5,trailing 8%,181,16.8,Bear,34.8,3.58,1.9,130,-96,14,87,true,Rebalance,Rebalance back to target bands,-4,-19,BrokerA,LMT,88,Drift>tolerance,Hedge,Allocation drift beyond policy bands,1,-57,91,5,false,Increase defensive factor exposure
P2866,Cautious,Trust,USD,2024-08-01,177148,16156,160992,1.0,45.6,37.8,5.3,11.3,GLD:13.1%;VTI:20.7%;AAPL:23.4%;VNQ:23.4%;AMZN:19.3%,US:71.8;EU:5.4;APAC:11.5;EM:9.0;Other:2.3,Value:0.0;Growth:+0.7;Quality:+0.8;Size:-0.7;Momentum:+0.4;LowVol:-0.4,ESGOnly;MaxPos8%;NoDerivatives;NoMargin,10,30,5.1,trailing 10%,142,15.6,Sideways,17.8,4.14,2.9,121,42,69,40,false,Buy,Add to core equity +1%,-4,-28,BrokerC,MKT,87,None,None,Normal monitoring,-29,-57,-4,5,false,Tax-aware sells next window
P2867,Active,Roth,USD,2025-12-14,1013065,94012,919053,1.0,67.0,19.6,5.2,8.2,HYG:21.5%;AAPL:21.5%;TSLA:20.6%;BND:21.0%;XLF:15.3%,US:73.4;EU:5.8;APAC:12.0;EM:8.7;Other:0.1,Value:+0.7;Growth:+0.3;Quality:-0.9;Size:-0.2;Momentum:-0.9;LowVol:+0.5,MaxPos7%,6,35,5.0,trailing 8%,134,20.0,Bull,12.9,4.18,2.1,116,73,82,52,false,Rebalance,Shift +1% to bonds from equity,-3,12,BrokerA,MKT,88,None,None,Normal monitoring,94,-14,57,3,false,Within IPS guidelines
P2868,Hands-off,Roth,USD,2025-03-26,532812,37766,495046,1.0,61.3,22.6,10.1,6.1,XLF:22.2%;MSFT:22.6%;HYG:15.1%;TSLA:17.5%;QQQ:22.6%,US:65.0;EU:8.4;APAC:12.3;EM:10.7;Other:3.6,Value:+0.4;Growth:-0.3;Quality:+0.8;Size:+0.2;Momentum:-0.9;LowVol:-0.4,ESGOnly,6,30,5.2,trailing 8%,112,19.8,Volatile,31.4,3.91,3.2,122,-32,35,83,true,Reduce,"Cut high-beta by 2-3%, add cash",30,-35,BrokerD,VWAP,92,RegimeShift,Reduce,Volatility spike and breadth deterioration,86,-55,188,5,false,Increase defensive factor exposure
P2869,Active,IRA,USD,2024-08-16,1197146,85575,1111571,1.0,58.7,24.6,10.5,6.2,MSFT:33.3%;XLF:33.3%;GLD:33.3%,US:64.1;EU:9.3;APAC:18.2;EM:6.2;Other:2.3,Value:+0.3;Growth:-0.8;Quality:-0.6;Size:+0.3;Momentum:+0.4;LowVol:+0.3,,6,35,5.7,trailing 8%,148,21.0,Bull,12.5,3.51,2.9,84,54,75,38,false,Sell,Trim extended winner -1%,-10,12,BrokerB,LMT,88,None,None,Normal monitoring,94,-7,101,5,false,Tighten stops on momentum names
P2870,Active,401k,USD,2024-12-16,766422,75033,691389,1.19,53.6,20.1,20.9,5.5,VOO:21.5%;QQQ:12.0%;XLF:21.7%;AMZN:15.3%;MSFT:17.3%;BND:12.3%,US:59.2;EU:16.2;APAC:11.3;EM:9.2;Other:4.1,Value:+0.2;Growth:+0.2;Quality:-0.4;Size:+0.9;Momentum:-0.6;LowVol:+0.7,MaxPos5%;NoDerivatives,8,30,5.8,hard 12%,148,17.3,Volatile,23.1,4.95,3.3,150,-48,19,63,false,Buy,Add to core equity +1%,-15,8,BrokerA,LMT,94,None,None,Normal monitoring,51,-5,143,5,false,Tighten stops on momentum names
P2871,Systematic,Trust,USD,2025-05-01,557655,48290,509365,1.0,60.0,26.2,4.5,9.3,TLT:24.7%;VNQ:26.7%;MSFT:26.7%;AAPL:21.9%,US:60.6;EU:16.5;APAC:11.1;EM:9.4;Other:2.4,Value:+0.7;Growth:+0.8;Quality:-0.6;Size:-0.4;Momentum:-0.7;LowVol:-0.1,MaxPos8%,6,25,5.7,trailing 8%,228,17.9,Bull,17.6,4.24,3.1,97,46,79,46,false,NoAction,Within bands; monitor,-3,-35,BrokerA,VWAP,92,None,None,Normal monitoring,73,-25,202,5,false,Tighten stops on momentum names
P2872,Systematic,Taxable,USD,2024-07-21,502594,26418,476176,1.0,69.7,21.7,2.4,6.1,QQQ:13.8%;XLF:22.6%;MSFT:20.4%;TSLA:22.6%;MUB:10.6%;VOO:10.1%,US:70.9;EU:14.3;APAC:8.1;EM:6.4;Other:0.3,Value:-0.3;Growth:-0.8;Quality:+0.5;Size:+0.8;Momentum:+0.2;LowVol:+0.3,,8,25,5.3,trailing 8%,177,25.0,Volatile,29.9,4.83,2.9,118,-56,10,91,true,Hedge,Buy index puts 1% notional,-14,5,BrokerD,MKT,92,Drift>tolerance,Hedge,Allocation drift beyond policy bands,9,14,25,2,false,Tax-aware sells next window
P2873,Opportunistic,IRA,USD,2025-09-25,874682,32134,842548,1.0,63.4,14.5,13.5,8.6,TSLA:8.0%;VNQ:18.9%;BND:19.9%;MSFT:20.4%;AAPL:20.4%;XLF:12.2%,US:65.4;EU:17.5;APAC:6.8;EM:7.3;Other:2.9,Value:+0.6;Growth:-0.7;Quality:-0.8;Size:-0.3;Momentum:+0.6;LowVol:+0.4,MaxPos6%,7,35,5.9,trailing 7%,263,22.9,Bull,11.9,4.93,2.1,102,6,54,45,false,Buy,Add to core equity +1%,9,9,BrokerD,LMT,97,None,None,Normal monitoring,60,-32,72,3,false,Tighten stops on momentum names
P2874,Hands-off,Taxable,USD,2025-04-09,404351,29885,374466,1.0,74.1,18.2,0.9,6.8,VNQ:33.3%;AMZN:33.3%;MUB:33.3%,US:63.2;EU:16.0;APAC:12.7;EM:4.2;Other:3.9,Value:0.0;Growth:-0.2;Quality:+0.7;Size:+0.7;Momentum:+0.4;LowVol:-0.6,MaxPos8%;NoDerivatives,7,30,5.6,hard 10%,102,14.4,Bull,12.9,4.6,2.7,119,106,100,45,false,Hedge,Add TLT +1% as duration hedge,-1,-7,BrokerC,LMT,91,None,None,Normal monitoring,13,-5,-3,3,false,Tighten stops on momentum names
P2875,Systematic,Roth,USD,2025-07-21,1299273,96005,1203268,1.0,62.8,29.5,0.0,7.7,GLD:11.5%;MUB:15.4%;AAPL:18.9%;AMZN:21.2%;VTI:13.3%;TLT:19.8%,US:70.7;EU:8.2;APAC:7.0;EM:12.1;Other:2.1,Value:+0.4;Growth:-0.7;Quality:+0.1;Size:+0.7;Momentum:-0.7;LowVol:-1.0,,6,35,4.4,trailing 8%,150,22.6,Bull,11.2,4.31,3.4,108,3,48,39,false,Hedge,Add TLT +1% as duration hedge,9,5,BrokerA,MKT,95,None,None,Normal monitoring,58,-13,57,4,false,Tighten stops on momentum names
P2876,Opportunistic,Roth,USD,2025-11-10,544971,16516,528455,1.19,60.6,18.1,14.2,7.2,AAPL:17.2%;AMZN:21.9%;TSLA:21.9%;VOO:17.1%;VNQ:21.9%,US:54.8;EU:17.4;APAC:10.7;EM:11.9;Other:5.2,Value:+0.2;Growth:+0.8;Quality:+0.5;Size:0.0;Momentum:-0.2;LowVol:+0.1,,8,35,4.5,hard 12%,196,28.0,Bull,15.7,4.3,2.8,94,32,70,45,false,Rebalance,Shift +1% to bonds from equity,18,1,BrokerB,MKT,88,None,None,Normal monitoring,47,-12,184,4,false,Increase defensive factor exposure
P2877,Systematic,Taxable,USD,2024-11-05,719906,50005,669901,1.0,60.2,29.9,3.9,6.0,AMZN:33.3%;BRK.B:33.3%;QQQ:33.3%,US:78.0;EU:8.6;APAC:7.0;EM:4.1;Other:2.3,Value:-0.3;Growth:+0.2;Quality:+0.6;Size:+0.6;Momentum:-0.8;LowVol:-0.5,,7,35,5.7,trailing 9%,204,17.1,Volatile,29.0,3.74,2.2,115,34,54,80,true,Hedge,Buy index puts 1% notional,6,-2,BrokerC,MKT,94,Drift>tolerance,Reduce,Allocation drift beyond policy bands,80,-36,125,2,false,Increase defensive factor exposure
P2878,Active,401k,USD,2025-12-23,1214038,135452,1078586,1.0,56.4,20.7,14.2,8.7,QQQ:33.3%;MSFT:33.3%;TSLA:33.3%,US:61.8;EU:14.5;APAC:6.7;EM:13.1;Other:4.0,Value:+0.7;Growth:-0.1;Quality:-0.9;Size:-0.2;Momentum:+0.4;LowVol:-0.0,,6,30,5.9,hard 12%,226,23.2,Volatile,23.2,4.43,3.0,150,-28,51,55,false,Rebalance,Shift +1% to bonds from equity,3,11,BrokerC,MKT,95,None,None,Normal monitoring,-45,-51,19,4,false,Monitor dispersion and breadth
P2879,Active,IRA,USD,2024-11-27,1669933,160093,1509840,1.06,55.3,24.0,11.4,9.3,TLT:19.7%;BRK.B:17.6%;IEF:23.3%;VOO:23.3%;QQQ:16.1%,US:63.8;EU:12.0;APAC:10.4;EM:9.7;Other:4.2,Value:-0.3;Growth:+0.9;Quality:+0.5;Size:-0.6;Momentum:-0.6;LowVol:+0.5,MaxPos8%,8,30,4.6,hard 12%,170,19.1,Volatile,22.2,4.9,3.3,129,8,55,60,false,NoAction,Within bands; monitor,-8,4,BrokerB,MKT,0,None,None,Normal monitoring,47,-15,98,5,false,Within IPS guidelines
P2880,Cautious,IRA,USD,2025-12-17,284832,29871,254961,1.0,45.3,36.9,5.7,12.1,VOO:8.4%;HYG:15.1%;MUB:18.8%;AMZN:17.2%;BND:19.4%;TLT:21.1%,US:71.0;EU:5.9;APAC:9.8;EM:10.4;Other:2.8,Value:-0.1;Growth:-0.6;Quality:+0.3;Size:-0.4;Momentum:-0.0;LowVol:-0.5,MaxPos6%;NoDerivatives;NoMargin,6,25,3.8,hard 10%,93,16.0,Sideways,16.6,4.8,2.6,109,31,59,37,false,Buy,Add to core equity +1%,-9,-19,BrokerA,VWAP,100,None,None,Normal monitoring,13,-1,118,3,false,Within IPS guidelines
P2881,Opportunistic,401k,USD,2025-01-18,1436790,105548,1331242,1.0,67.5,15.2,13.2,4.1,QQQ:33.3%;BND:33.3%;HYG:33.3%,US:66.1;EU:9.9;APAC:9.8;EM:9.6;Other:4.5,Value:+0.1;Growth:+0.6;Quality:-0.8;Size:-0.5;Momentum:-0.3;LowVol:+0.8,,6,30,4.3,hard 12%,231,32.7,Volatile,23.5,3.73,4.0,168,-23,29,64,false,NoAction,Within bands; monitor,-5,-40,BrokerB,LMT,96,None,None,Normal monitoring,61,-52,97,5,false,Tighten stops on momentum names
P2882,Systematic,IRA,USD,2024-11-29,1573769,89660,1484109,1.0,63.3,26.7,2.4,7.5,VNQ:37.3%;BND:37.3%;QQQ:25.5%,US:70.1;EU:8.7;APAC:12.9;EM:5.1;Other:3.2,Value:-0.1;Growth:-0.3;Quality:-0.9;Size:-0.7;Momentum:-0.5;LowVol:+0.6,,6,30,5.8,trailing 9%,150,22.9,Bull,12.3,4.32,2.3,114,110,100,36,false,Buy,Add to core equity +1%,12,-20,BrokerC,VWAP,97,None,None,Normal monitoring,-53,-60,70,3,false,Increase defensive factor exposure
P2883,Active,Taxable,USD,2025-05-07,867432,70178,797254,1.0,69.1,22.3,0.0,8.6,BRK.B:28.2%;AMZN:28.2%;VNQ:28.2%;HYG:15.5%,US:65.8;EU:16.7;APAC:7.0;EM:8.5;Other:2.1,Value:+0.7;Growth:+0.5;Quality:+0.2;Size:+0.4;Momentum:+0.7;LowVol:+0.7,MaxPos7%,8,30,4.9,trailing 8%,120,23.1,Volatile,20.8,4.16,4.1,116,-2,45,54,false,Sell,Trim extended winner -1%,23,-10,BrokerD,LMT,92,None,None,Normal monitoring,51,-25,135,5,false,Monitor dispersion and breadth
P2884,Cautious,401k,USD,2025-02-09,671695,87517,584178,1.0,40.4,40.6,8.4,10.6,AAPL:33.3%;BRK.B:33.3%;XLF:33.3%,US:80.2;EU:8.0;APAC:5.6;EM:5.9;Other:0.2,Value:+0.1;Growth:+0.3;Quality:+0.9;Size:-0.2;Momentum:-0.0;LowVol:+0.9,ESGOnly;MaxPos7%;NoDerivatives;NoMargin,6,35,5.4,trailing 8%,133,16.8,Sideways,15.0,4.47,3.0,139,11,61,34,false,Rebalance,Shift +1% to bonds from equity,20,-28,BrokerB,MKT,91,None,None,Normal monitoring,6,-57,-5,5,false,Within IPS guidelines
P2885,Opportunistic,IRA,USD,2025-07-16,482097,27235,454862,1.0,72.3,19.2,1.2,7.3,VNQ:14.8%;GLD:22.0%;MUB:22.0%;AMZN:22.0%;VTI:19.1%,US:63.9;EU:11.9;APAC:14.1;EM:6.2;Other:3.8,Value:-1.0;Growth:-0.9;Quality:-0.5;Size:+0.7;Momentum:+0.6;LowVol:+0.5,MaxPos7%,7,30,4.9,trailing 7%,245,34.3,Sideways,20.1,3.79,3.1,123,39,83,56,false,Buy,Add to core equity +1%,-15,1,BrokerD,MKT,91,None,None,Normal monitoring,117,-35,206,3,false,Tighten stops on momentum names
P2886,Cautious,Trust,USD,2025-03-26,389604,49294,340310,1.0,36.1,44.0,8.1,11.8,QQQ:25.2%;AMZN:13.3%;HYG:25.2%;XLF:21.5%;BND:14.9%,US:78.3;EU:6.4;APAC:5.1;EM:10.0;Other:0.1,Value:+0.4;Growth:+0.4;Quality:+0.1;Size:-0.2;Momentum:-0.7;LowVol:0.0,ESGOnly;MaxPos7%;NoMargin,6,35,3.2,trailing 10%,93,17.0,Bull,17.8,4.18,2.7,101,83,100,30,false,NoAction,Within bands; monitor,32,-20,BrokerB,MKT,0,None,None,Normal monitoring,-47,2,-47,3,false,Tax-aware sells next window
P2887,Systematic,Trust,USD,2025-12-02,1158493,65426,1093067,1.0,64.4,20.5,7.7,7.4,TSLA:20.4%;XLF:12.5%;TLT:23.2%;BND:20.7%;VTI:23.2%,US:65.3;EU:9.8;APAC:13.6;EM:9.4;Other:1.9,Value:+0.5;Growth:+0.5;Quality:-0.0;Size:+0.5;Momentum:+0.4;LowVol:-0.8,NoDerivatives,8,30,5.3,hard 12%,125,19.7,Bear,34.0,3.41,2.8,182,-109,5,84,true,Hedge,Buy index puts 1% notional,0,0,BrokerC,LMT,99,RegimeShift,Hedge,Volatility spike and breadth deterioration,49,-18,14,5,false,Monitor dispersion and breadth
P2888,Hands-off,Taxable,USD,2024-11-04,338662,14462,324200,1.0,71.4,21.8,0.0,6.9,VOO:13.7%;MSFT:23.7%;IEF:15.8%;XLF:23.1%;AMZN:23.7%,US:54.4;EU:20.8;APAC:13.4;EM:10.0;Other:1.3,Value:+0.5;Growth:+0.4;Quality:+1.0;Size:-0.1;Momentum:+0.3;LowVol:-0.3,ESGOnly,5,30,3.9,trailing 8%,121,14.6,Bull,15.7,4.26,2.1,75,100,100,53,false,Buy,Add to core equity +1%,22,2,BrokerA,MKT,93,None,None,Normal monitoring,79,-27,106,3,false,Tax-aware sells next window
P2889,Hands-off,IRA,USD,2024-11-26,421303,23401,397902,1.0,57.1,29.3,3.8,9.8,MSFT:38.6%;HYG:38.6%;BRK.B:22.8%,US:76.4;EU:8.3;APAC:6.7;EM:4.7;Other:3.9,Value:-0.9;Growth:-0.6;Quality:-0.5;Size:+0.9;Momentum:-0.6;LowVol:-0.8,MaxPos6%,6,30,3.4,trailing 8%,163,18.1,Bull,14.3,3.7,3.3,80,18,50,35,false,Sell,Trim extended winner -1%,5,-37,BrokerC,VWAP,86,None,None,Normal monitoring,35,0,170,4,false,Within IPS guidelines
P2890,Cautious,Roth,USD,2024-09-02,581984,77294,504690,1.0,48.7,38.8,0.4,12.1,AMZN:13.3%;VOO:14.9%;MSFT:22.9%;BRK.B:22.9%;MUB:13.8%;BND:12.2%,US:69.4;EU:7.8;APAC:8.4;EM:14.3;Other:0.1,Value:-0.1;Growth:-0.3;Quality:-0.5;Size:+0.7;Momentum:-0.3;LowVol:-1.0,MaxPos6%;NoMargin,10,25,3.6,hard 10%,117,15.1,Sideways,15.4,4.19,2.3,96,-23,50,45,false,Sell,Trim extended winner -1%,3,-20,BrokerC,LMT,99,None,None,Normal monitoring,68,16,121,5,false,Within IPS guidelines
P2891,Opportunistic,Trust,USD,2025-11-26,1019856,63257,956599,1.17,63.1,12.0,16.9,8.0,BND:23.2%;VTI:15.8%;HYG:23.2%;IEF:14.7%;MUB:23.2%,US:62.7;EU:16.2;APAC:13.7;EM:5.0;Other:2.5,Value:-0.1;Growth:+0.3;Quality:+0.2;Size:-0.2;Momentum:-0.5;LowVol:-0.8,,6,35,5.3,trailing 9%,201,21.0,Bear,23.0,3.9,2.9,182,-56,10,61,false,Rebalance,Shift +1% to bonds from equity,1,-9,BrokerA,LMT,86,None,None,Normal monitoring,98,1,115,3,false,Tighten stops on momentum names
P2892,Active,Taxable,USD,2024-10-19,1812731,137576,1675155,1.0,50.9,27.8,14.6,6.6,IEF:21.7%;HYG:21.7%;XLF:21.7%;BRK.B:17.5%;QQQ:17.5%,US:67.5;EU:13.9;APAC:11.7;EM:5.7;Other:1.3,Value:+0.4;Growth:+0.9;Quality:+0.2;Size:+0.4;Momentum:+0.2;LowVol:+0.8,MaxPos6%,6,25,4.8,trailing 9%,184,19.7,Bull,15.2,3.9,3.2,89,76,76,40,false,NoAction,Within bands; monitor,14,-30,BrokerB,LMT,87,None,None,Normal monitoring,-34,-43,68,4,false,Tax-aware sells next window
P2893,Opportunistic,Trust,USD,2024-11-26,874471,78528,795943,1.0,67.8,12.6,12.8,6.7,VNQ:17.5%;GLD:20.6%;XLF:23.4%;AMZN:23.4%;MSFT:15.1%,US:68.2;EU:15.9;APAC:7.3;EM:7.5;Other:1.2,Value:-0.2;Growth:+0.4;Quality:+0.5;Size:+0.8;Momentum:-1.0;LowVol:-0.4,MaxPos7%,6,30,4.7,trailing 9%,280,24.1,Volatile,26.6,3.8,2.4,170,66,96,78,true,Reduce,"Cut high-beta by 2-3%, add cash",-13,-14,BrokerC,LMT,90,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-48,18,14,4,false,Tax-aware sells next window
P2894,Cautious,401k,USD,2025-03-06,530882,79828,451054,1.0,38.7,40.1,10.4,10.8,AAPL:33.3%;AMZN:33.3%;MUB:33.3%,US:56.7;EU:19.0;APAC:10.4;EM:10.0;Other:3.9,Value:-0.7;Growth:-0.1;Quality:-0.3;Size:+0.7;Momentum:+0.7;LowVol:+0.1,NoDerivatives;NoMargin,10,35,4.1,trailing 8%,111,14.0,Volatile,31.0,5.34,2.7,113,46,85,66,false,Sell,Trim extended winner -1%,19,15,BrokerC,MKT,98,None,None,Normal monitoring,91,-30,187,4,false,Tax-aware sells next window
P2895,Hands-off,Roth,USD,2024-07-20,496558,26471,470087,1.0,59.3,27.6,6.0,7.2,QQQ:17.1%;VOO:17.7%;AAPL:18.1%;XLF:24.5%;BRK.B:22.5%,US:58.5;EU:17.3;APAC:14.0;EM:7.7;Other:2.5,Value:-0.6;Growth:-0.3;Quality:-0.0;Size:-0.2;Momentum:-0.3;LowVol:+1.0,MaxPos7%,7,30,4.5,trailing 8%,102,19.1,Bull,15.9,4.52,2.3,75,60,93,40,false,NoAction,Within bands; monitor,-14,5,BrokerA,MKT,0,None,None,Normal monitoring,113,18,248,3,false,Increase defensive factor exposure
P2896,Active,Taxable,USD,2025-11-04,585992,70036,515956,1.22,58.3,23.4,8.8,9.6,TSLA:33.3%;IEF:33.3%;BND:33.3%,US:64.9;EU:16.8;APAC:6.4;EM:7.6;Other:4.2,Value:+0.5;Growth:0.0;Quality:+0.7;Size:-0.2;Momentum:+0.6;LowVol:-0.0,MaxPos8%,5,35,4.3,hard 12%,146,20.6,Volatile,31.1,4.62,2.3,177,-33,19,85,true,Reduce,"Cut high-beta by 2-3%, add cash",-3,10,BrokerB,LMT,85,RegimeShift,TightenStops,Volatility spike and breadth deterioration,28,-3,99,3,false,Monitor dispersion and breadth
P2897,Hands-off,IRA,USD,2024-11-25,282799,20670,262129,1.0,71.4,18.9,1.0,8.6,XLF:23.1%;TSLA:23.1%;QQQ:21.8%;VTI:20.7%;IEF:11.2%,US:66.9;EU:8.3;APAC:7.4;EM:14.2;Other:3.2,Value:-0.4;Growth:-0.2;Quality:0.0;Size:+0.6;Momentum:+0.9;LowVol:+0.6,ESGOnly,10,25,4.5,trailing 8%,151,16.3,Bear,28.2,3.05,1.5,187,-31,30,77,true,Reduce,"Cut high-beta by 2-3%, add cash",32,-13,BrokerB,LMT,92,VAR>budget,Reduce,Risk above budget threshold,54,0,183,3,false,Within IPS guidelines
P2898,Cautious,Trust,USD,2025-02-22,866477,97247,769230,1.0,39.1,36.7,10.3,14.0,QQQ:13.8%;VTI:21.2%;MSFT:16.2%;VNQ:11.2%;GLD:16.4%;MUB:21.2%,US:65.6;EU:19.4;APAC:5.5;EM:5.4;Other:4.1,Value:-0.2;Growth:+0.6;Quality:-0.3;Size:+0.1;Momentum:+0.2;LowVol:+0.5,NoMargin,8,35,4.5,trailing 10%,143,16.9,Bull,15.5,4.03,3.1,75,65,95,41,false,Buy,Add to core equity +1%,22,7,BrokerC,LMT,98,None,None,Normal monitoring,83,7,165,4,false,Increase defensive factor exposure
P2899,Hands-off,IRA,USD,2025-07-22,301865,26459,275406,1.0,65.7,25.5,0.0,8.7,TSLA:12.8%;VOO:25.0%;TLT:12.1%;HYG:25.0%;QQQ:25.0%,US:60.3;EU:14.2;APAC:13.2;EM:8.1;Other:4.2,Value:-0.8;Growth:+0.7;Quality:+1.0;Size:-0.2;Momentum:+0.9;LowVol:-0.7,ESGOnly,5,30,5.1,trailing 8%,169,12.4,Sideways,20.2,3.58,2.4,97,55,70,55,false,Sell,Trim extended winner -1%,23,15,BrokerC,LMT,91,None,None,Normal monitoring,-47,-29,-11,4,false,Monitor dispersion and breadth
P2900,Opportunistic,Roth,USD,2025-04-09,736302,59760,676542,1.0,66.4,20.6,8.9,4.1,GLD:23.2%;XLF:23.2%;HYG:23.2%;MUB:21.7%;TLT:8.5%,US:62.2;EU:22.4;APAC:7.4;EM:5.2;Other:2.8,Value:-0.1;Growth:-1.0;Quality:-0.0;Size:+0.2;Momentum:-0.2;LowVol:-0.8,NoDerivatives,10,30,4.8,trailing 9%,198,25.9,Volatile,31.2,4.24,3.9,175,-7,54,89,true,Reduce,"Cut high-beta by 2-3%, add cash",6,6,BrokerC,LMT,86,VAR>budget,Reduce,Risk above budget threshold,87,2,204,3,false,Tax-aware sells next window
P2901,Cautious,Roth,USD,2024-10-23,646746,97942,548804,1.0,41.4,30.5,11.2,16.8,GLD:33.3%;VOO:33.3%;BRK.B:33.3%,US:56.4;EU:19.6;APAC:9.2;EM:9.9;Other:4.9,Value:-0.7;Growth:-0.9;Quality:+0.8;Size:-0.4;Momentum:+0.5;LowVol:-0.2,ESGOnly;NoMargin,10,35,4.6,trailing 10%,130,16.9,Bear,26.5,4.05,2.4,146,-84,21,65,false,Rebalance,Shift +1% to bonds from equity,-4,14,BrokerD,MKT,100,None,None,Normal monitoring,75,15,151,4,false,Monitor dispersion and breadth
P2902,Cautious,Roth,USD,2025-10-26,260441,39251,221190,1.0,45.1,42.4,0.2,12.4,XLF:33.6%;HYG:32.9%;AAPL:33.6%,US:66.7;EU:10.9;APAC:10.7;EM:7.5;Other:4.3,Value:-0.6;Growth:-0.7;Quality:-0.1;Size:+0.8;Momentum:-0.7;LowVol:+0.9,ESGOnly;NoMargin,8,35,3.7,hard 10%,109,19.5,Bear,32.0,3.6,2.8,197,-81,23,72,true,Hedge,Buy index puts 1% notional,33,13,BrokerD,VWAP,92,RegimeShift,Pause,Volatility spike and breadth deterioration,44,-2,106,3,true,Monitor dispersion and breadth
P2903,Active,Roth,USD,2025-03-01,519002,31179,487823,1.0,63.4,27.5,0.0,9.1,MSFT:15.5%;HYG:25.6%;MUB:25.6%;BRK.B:18.4%;QQQ:14.7%,US:63.0;EU:13.8;APAC:12.0;EM:9.3;Other:1.9,Value:+0.8;Growth:+0.3;Quality:0.0;Size:+0.6;Momentum:-0.0;LowVol:-0.3,NoDerivatives,10,30,4.1,trailing 9%,205,26.5,Bull,11.5,4.24,2.4,118,41,74,37,false,NoAction,Within bands; monitor,35,-4,BrokerC,MKT,0,None,None,Normal monitoring,99,-21,136,5,false,Tighten stops on momentum names
P2904,Hands-off,IRA,USD,2025-03-04,585481,55421,530060,1.0,58.2,26.2,10.1,5.5,TLT:25.1%;TSLA:27.2%;MSFT:27.2%;QQQ:20.4%,US:71.8;EU:9.4;APAC:5.2;EM:10.4;Other:3.2,Value:-0.9;Growth:+0.1;Quality:+1.0;Size:-0.4;Momentum:-0.4;LowVol:+0.1,MaxPos6%,7,30,5.3,trailing 10%,109,16.1,Sideways,20.2,4.05,2.2,102,-11,47,63,false,Buy,Add to core equity +1%,35,-10,BrokerB,VWAP,95,None,None,Normal monitoring,-13,13,45,5,false,Tax-aware sells next window
P2905,Cautious,Roth,USD,2024-12-25,200848,24485,176363,1.0,40.3,31.0,12.0,16.7,VTI:21.6%;BRK.B:20.5%;QQQ:16.8%;TLT:21.6%;BND:11.3%;VNQ:8.3%,US:70.0;EU:13.1;APAC:8.8;EM:4.2;Other:3.9,Value:+0.9;Growth:+0.8;Quality:+0.2;Size:+0.9;Momentum:+0.8;LowVol:+0.6,ESGOnly;MaxPos6%;NoMargin,8,30,3.7,trailing 8%,104,20.0,Bear,32.4,3.23,3.0,176,-65,5,70,false,Sell,Trim extended winner -1%,-9,-35,BrokerD,MKT,93,None,None,Normal monitoring,-30,-38,103,3,false,Tighten stops on momentum names
P2906,Active,IRA,USD,2024-08-16,678644,64295,614349,1.1,56.0,26.1,8.8,9.0,TSLA:33.3%;QQQ:33.3%;MSFT:33.3%,US:65.2;EU:11.4;APAC:13.4;EM:10.0;Other:0.0,Value:-0.9;Growth:+0.8;Quality:+0.7;Size:-0.3;Momentum:+0.4;LowVol:+0.3,NoDerivatives,7,25,5.4,trailing 9%,209,17.3,Bear,27.4,4.06,1.3,197,-95,5,60,false,Rebalance,Shift +1% to bonds from equity,16,-4,BrokerA,LMT,86,None,None,Normal monitoring,60,-8,185,5,false,Tax-aware sells next window
P2907,Opportunistic,IRA,USD,2025-05-08,624549,38950,585599,1.23,73.3,20.2,0.0,6.5,BRK.B:23.3%;HYG:23.3%;TSLA:9.0%;VNQ:21.3%;AAPL:23.3%,US:62.2;EU:14.6;APAC:14.5;EM:8.5;Other:0.1,Value:-0.8;Growth:+0.5;Quality:-0.7;Size:+0.2;Momentum:+0.2;LowVol:+0.5,,7,30,5.3,hard 12%,204,30.5,Sideways,15.4,4.17,2.3,97,0,57,46,false,NoAction,Within bands; monitor,20,-32,BrokerA,MKT,0,None,None,Normal monitoring,-7,-60,47,4,false,Tax-aware sells next window
P2908,Cautious,Taxable,USD,2025-06-02,791812,71713,720099,1.0,47.3,37.1,0.0,15.6,XLF:28.7%;HYG:28.7%;TSLA:28.7%;MUB:13.8%,US:65.1;EU:15.2;APAC:7.1;EM:9.5;Other:3.1,Value:0.0;Growth:+0.3;Quality:0.0;Size:+0.6;Momentum:+0.3;LowVol:-0.3,ESGOnly;NoMargin,6,35,3.6,trailing 10%,155,12.7,Bear,23.2,3.64,1.3,140,-76,25,62,false,Buy,Add to core equity +1%,-8,9,BrokerB,LMT,91,None,None,Normal monitoring,-32,1,-43,5,false,Within IPS guidelines
P2909,Active,Trust,USD,2025-08-31,2245742,182043,2063699,1.0,64.4,27.9,0.9,6.8,BRK.B:23.1%;IEF:23.1%;AAPL:19.4%;QQQ:23.1%;TLT:11.2%,US:69.5;EU:13.8;APAC:6.0;EM:8.5;Other:2.3,Value:-0.6;Growth:+0.8;Quality:-0.9;Size:-0.2;Momentum:-0.7;LowVol:-0.7,MaxPos8%;NoDerivatives,7,35,5.6,trailing 8%,121,17.4,Bull,11.4,3.68,2.5,70,79,94,38,true,Reduce,"Cut high-beta by 2-3%, add cash",-11,7,BrokerB,MKT,96,Drift>tolerance,Hedge,Allocation drift beyond policy bands,10,-15,31,2,true,Within IPS guidelines
P2910,Active,Trust,USD,2025-03-23,2009252,156094,1853158,1.0,52.7,25.9,15.6,5.7,MUB:27.5%;VNQ:25.4%;XLF:27.5%;QQQ:19.5%,US:58.5;EU:21.7;APAC:9.5;EM:10.1;Other:0.1,Value:-0.7;Growth:+0.6;Quality:-0.8;Size:-0.3;Momentum:-0.2;LowVol:-0.1,,5,35,5.9,trailing 8%,173,16.8,Volatile,23.3,4.99,3.2,180,14,70,48,false,Sell,Trim extended winner -1%,31,12,BrokerA,MKT,87,None,None,Normal monitoring,-46,15,-17,3,false,Tighten stops on momentum names
P2911,Cautious,IRA,USD,2025-09-26,620662,90964,529698,1.0,38.2,33.2,13.0,15.6,VNQ:21.1%;BND:26.3%;TSLA:26.3%;MUB:26.3%,US:72.8;EU:11.1;APAC:9.3;EM:3.8;Other:3.0,Value:-0.3;Growth:+0.2;Quality:-0.8;Size:-0.7;Momentum:+0.8;LowVol:+0.8,ESGOnly;NoDerivatives;NoMargin,5,35,4.7,trailing 10%,128,19.2,Sideways,16.7,4.4,2.8,133,30,52,36,false,NoAction,Within bands; monitor,25,-40,BrokerC,MKT,0,None,None,Normal monitoring,41,-27,12,5,false,Monitor dispersion and breadth
P2912,Hands-off,Roth,USD,2024-11-15,793027,67061,725966,1.0,68.1,22.4,0.0,9.4,AMZN:18.1%;MSFT:21.4%;IEF:10.8%;VTI:19.0%;QQQ:9.3%;BND:21.4%,US:60.0;EU:18.1;APAC:9.7;EM:8.6;Other:3.6,Value:-0.8;Growth:+0.5;Quality:+0.9;Size:-0.1;Momentum:-0.3;LowVol:+0.8,MaxPos5%,5,35,4.8,trailing 10%,129,13.1,Volatile,28.2,4.95,2.6,114,-32,32,72,true,Hedge,Buy index puts 1% notional,-15,1,BrokerC,LMT,96,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,18,12,23,3,false,Within IPS guidelines
P2913,Opportunistic,Taxable,USD,2025-09-13,542846,40511,502335,1.0,73.3,19.3,2.0,5.4,MSFT:33.3%;XLF:33.3%;GLD:33.3%,US:77.5;EU:7.4;APAC:7.6;EM:6.2;Other:1.2,Value:-0.1;Growth:0.0;Quality:-0.9;Size:-0.2;Momentum:+0.1;LowVol:-0.2,,5,25,5.3,trailing 7%,223,29.5,Bull,17.0,3.82,2.8,80,88,95,64,false,Buy,Add to core equity +1%,30,10,BrokerA,MKT,100,None,None,Normal monitoring,108,-15,97,5,false,Tax-aware sells next window
P2914,Active,Taxable,USD,2025-03-17,669068,59728,609340,1.0,62.1,30.4,0.0,7.5,AAPL:20.5%;AMZN:20.5%;XLF:19.3%;VNQ:9.6%;IEF:15.8%;VTI:14.3%,US:63.0;EU:15.2;APAC:11.0;EM:8.1;Other:2.7,Value:+0.2;Growth:+0.3;Quality:-0.6;Size:-0.6;Momentum:+0.1;LowVol:-0.7,MaxPos7%;NoDerivatives,5,25,4.4,trailing 9%,140,23.0,Volatile,29.9,3.96,2.9,140,-17,48,79,true,Hedge,Buy index puts 1% notional,-4,-32,BrokerB,MKT,93,Drift>tolerance,Hedge,Allocation drift beyond policy bands,42,-34,81,4,false,Tighten stops on momentum names
P2915,Cautious,IRA,USD,2025-06-21,568277,50422,517855,1.0,44.4,38.9,6.5,10.2,HYG:33.3%;AMZN:33.3%;XLF:33.3%,US:68.3;EU:15.6;APAC:11.3;EM:3.1;Other:1.8,Value:+0.2;Growth:+0.9;Quality:-0.6;Size:-0.2;Momentum:+0.2;LowVol:-0.3,ESGOnly;MaxPos7%;NoMargin,8,25,5.7,trailing 8%,103,17.5,Volatile,29.7,5.4,3.0,161,-46,17,60,false,NoAction,Within bands; monitor,28,-37,BrokerB,LMT,87,None,None,Normal monitoring,0,-32,29,3,false,Increase defensive factor exposure
P2916,Opportunistic,Trust,USD,2024-11-01,306924,13469,293455,1.0,64.7,10.9,18.6,5.8,BND:14.7%;IEF:21.3%;XLF:19.9%;MUB:22.0%;HYG:22.0%,US:61.3;EU:15.6;APAC:10.2;EM:10.1;Other:2.7,Value:-0.8;Growth:-0.5;Quality:-0.0;Size:-0.4;Momentum:0.0;LowVol:-0.8,NoDerivatives,5,30,4.2,hard 12%,265,21.9,Volatile,20.6,4.2,3.1,146,-60,17,61,false,Sell,Trim extended winner -1%,20,12,BrokerD,MKT,87,None,None,Normal monitoring,-58,14,76,3,false,Monitor dispersion and breadth
P2917,Active,401k,USD,2025-04-18,2476016,211617,2264399,1.0,66.1,27.5,0.0,6.4,VOO:27.3%;AAPL:36.3%;BRK.B:36.3%,US:72.6;EU:7.8;APAC:8.5;EM:8.8;Other:2.3,Value:-0.4;Growth:+0.4;Quality:+0.8;Size:+0.1;Momentum:+0.6;LowVol:-0.8,,8,35,5.0,trailing 8%,186,27.9,Sideways,17.1,3.89,2.9,91,-25,23,47,false,Buy,Add to core equity +1%,25,-20,BrokerB,LMT,94,None,None,Normal monitoring,99,0,154,4,false,Monitor dispersion and breadth
P2918,Hands-off,401k,USD,2025-02-15,232559,21180,211379,1.0,68.3,26.4,0.0,5.3,AMZN:25.3%;TLT:25.3%;QQQ:25.3%;MUB:24.1%,US:68.5;EU:18.0;APAC:6.6;EM:6.6;Other:0.3,Value:+0.2;Growth:+0.6;Quality:+0.5;Size:-0.5;Momentum:+0.3;LowVol:+0.2,NoDerivatives,10,30,5.6,trailing 8%,99,17.8,Bear,29.2,4.24,1.9,217,-85,14,87,true,Hedge,Buy index puts 1% notional,30,-4,BrokerB,VWAP,100,Drift>tolerance,Reduce,Allocation drift beyond policy bands,59,-13,167,3,true,Tax-aware sells next window
P2919,Cautious,Trust,USD,2024-11-06,757738,77673,680065,1.0,47.8,36.2,0.0,16.0,MUB:13.2%;MSFT:23.0%;VNQ:18.5%;BRK.B:22.3%;TSLA:23.0%,US:69.8;EU:13.9;APAC:11.3;EM:4.0;Other:0.9,Value:+0.6;Growth:-0.2;Quality:+0.9;Size:-0.6;Momentum:-0.8;LowVol:-0.4,NoMargin,5,30,4.3,trailing 8%,130,16.8,Bear,28.5,4.26,2.4,165,-115,5,55,false,Rebalance,Shift +1% to bonds from equity,18,-20,BrokerA,LMT,95,None,None,Normal monitoring,50,-9,189,3,false,Increase defensive factor exposure
P2920,Opportunistic,IRA,USD,2024-11-27,1386543,61137,1325406,1.0,67.5,14.1,10.2,8.2,QQQ:26.2%;VNQ:26.2%;BRK.B:26.2%;TLT:21.3%,US:58.2;EU:17.5;APAC:14.7;EM:9.6;Other:0.1,Value:-0.8;Growth:0.0;Quality:-0.7;Size:+1.0;Momentum:-0.2;LowVol:+0.8,MaxPos7%,8,35,4.4,hard 12%,273,24.1,Bull,14.0,4.55,2.2,113,48,59,56,false,Rebalance,Shift +1% to bonds from equity,26,10,BrokerD,MKT,91,None,None,Normal monitoring,-7,8,-46,4,false,Monitor dispersion and breadth
P2921,Hands-off,401k,USD,2025-06-24,193220,18098,175122,1.0,66.1,16.5,8.4,8.9,AAPL:20.7%;XLF:18.8%;IEF:20.3%;TLT:20.7%;AMZN:10.3%;BRK.B:9.2%,US:73.1;EU:7.5;APAC:9.5;EM:9.6;Other:0.4,Value:-1.0;Growth:+0.7;Quality:-0.5;Size:-0.7;Momentum:+0.9;LowVol:+0.3,ESGOnly;NoDerivatives,7,35,4.3,hard 10%,143,12.1,Bull,11.9,3.66,2.8,100,104,99,52,false,Hedge,Add TLT +1% as duration hedge,23,3,BrokerD,MKT,97,None,None,Normal monitoring,0,8,-6,5,false,Tax-aware sells next window
P2922,Systematic,Trust,USD,2024-12-25,1710109,157499,1552610,1.0,61.3,28.0,3.4,7.4,AAPL:18.2%;MSFT:21.2%;AMZN:21.2%;IEF:18.4%;VNQ:21.2%,US:58.8;EU:18.4;APAC:8.8;EM:11.0;Other:2.9,Value:-0.2;Growth:-0.3;Quality:-0.2;Size:+0.3;Momentum:-0.2;LowVol:-0.5,MaxPos7%,8,35,4.1,hard 12%,167,18.1,Bull,16.0,4.5,2.3,103,89,100,54,false,Buy,Add to core equity +1%,15,-16,BrokerA,MKT,86,None,None,Normal monitoring,92,-27,129,5,false,Increase defensive factor exposure
P2923,Hands-off,Trust,USD,2025-04-01,753386,39562,713824,1.0,72.3,15.6,7.0,5.1,VTI:17.1%;VNQ:10.0%;TSLA:20.4%;TLT:20.4%;VOO:20.4%;QQQ:11.9%,US:53.0;EU:21.0;APAC:12.0;EM:9.0;Other:5.1,Value:-0.4;Growth:-0.9;Quality:+0.7;Size:+0.8;Momentum:+0.4;LowVol:-0.4,NoDerivatives,10,35,5.9,trailing 8%,106,15.7,Bull,11.5,4.71,3.1,103,39,77,37,false,NoAction,Within bands; monitor,8,-2,BrokerB,MKT,0,None,None,Normal monitoring,-47,16,3,5,false,Within IPS guidelines
P2924,Systematic,Trust,USD,2024-11-10,697102,50256,646846,1.0,58.8,33.1,2.6,5.5,QQQ:20.4%;MSFT:6.8%;TSLA:21.2%;VTI:21.2%;MUB:9.2%;XLF:21.2%,US:73.1;EU:6.7;APAC:9.3;EM:8.2;Other:2.7,Value:+0.3;Growth:-0.9;Quality:+0.4;Size:-0.9;Momentum:+0.8;LowVol:-0.1,MaxPos5%,6,25,4.0,trailing 8%,196,19.9,Volatile,20.7,5.1,3.8,166,3,43,66,true,Reduce,"Cut high-beta by 2-3%, add cash",2,-38,BrokerD,VWAP,87,VAR>budget,Hedge,Risk above budget threshold,78,14,50,5,false,Tax-aware sells next window
P2925,Active,Roth,USD,2025-01-31,1277023,150889,1126134,1.0,52.9,23.0,17.9,6.2,MSFT:18.4%;VNQ:22.5%;HYG:22.5%;AMZN:14.1%;BRK.B:22.5%,US:64.8;EU:12.6;APAC:12.2;EM:6.7;Other:3.7,Value:-0.6;Growth:+0.7;Quality:+1.0;Size:+0.8;Momentum:+0.5;LowVol:-0.8,,7,30,4.8,trailing 9%,185,24.2,Volatile,30.4,5.13,2.9,164,53,89,70,false,Sell,Trim extended winner -1%,26,10,BrokerC,LMT,91,None,None,Normal monitoring,95,-8,77,5,false,Monitor dispersion and breadth
P2926,Cautious,IRA,USD,2024-10-10,403283,53948,349335,1.0,46.2,39.0,0.0,14.8,HYG:24.6%;MSFT:25.1%;BRK.B:25.1%;TSLA:25.1%,US:63.1;EU:19.9;APAC:8.5;EM:8.4;Other:0.1,Value:-0.2;Growth:-0.4;Quality:-0.8;Size:-0.1;Momentum:-0.2;LowVol:+0.5,NoMargin,7,35,3.4,trailing 8%,120,19.4,Volatile,20.2,5.17,3.7,141,51,61,55,false,Rebalance,Shift +1% to bonds from equity,22,2,BrokerB,MKT,91,None,None,Normal monitoring,60,-4,110,4,false,Increase defensive factor exposure
P2927,Systematic,IRA,USD,2025-05-02,857278,35582,821696,1.0,64.9,29.3,0.0,5.9,TSLA:23.0%;VTI:18.6%;MUB:23.0%;QQQ:12.4%;IEF:23.0%,US:63.7;EU:13.6;APAC:10.7;EM:11.4;Other:0.7,Value:-0.9;Growth:+0.3;Quality:-0.7;Size:-0.1;Momentum:-0.0;LowVol:+0.4,NoDerivatives,8,30,5.2,hard 12%,140,24.9,Volatile,20.1,4.13,2.3,111,76,91,57,false,Buy,Add to core equity +1%,22,-26,BrokerB,MKT,96,None,None,Normal monitoring,70,-31,120,5,false,Tax-aware sells next window
P2928,Active,Taxable,USD,2024-12-08,524823,39664,485159,1.0,55.7,19.2,16.5,8.6,AAPL:38.5%;VTI:38.5%;VOO:22.9%,US:67.1;EU:15.6;APAC:6.7;EM:8.6;Other:2.0,Value:+0.5;Growth:-0.9;Quality:+0.1;Size:+0.4;Momentum:+0.3;LowVol:+0.8,MaxPos6%;NoDerivatives,5,25,4.2,trailing 8%,186,18.4,Sideways,21.4,4.48,2.9,139,20,48,63,false,Hedge,Add TLT +1% as duration hedge,13,-5,BrokerC,VWAP,98,None,None,Normal monitoring,-11,-4,109,3,false,Tighten stops on momentum names
P2929,Systematic,401k,USD,2025-12-21,967264,66627,900637,1.0,61.3,25.6,7.3,5.8,HYG:28.2%;TSLA:28.2%;BRK.B:26.4%;IEF:17.2%,US:67.1;EU:14.9;APAC:6.7;EM:11.1;Other:0.3,Value:+0.9;Growth:+0.6;Quality:-0.4;Size:-0.9;Momentum:-0.2;LowVol:+0.3,MaxPos5%,7,25,4.6,trailing 8%,127,18.8,Volatile,21.9,3.89,4.0,141,29,51,54,true,Hedge,Buy index puts 1% notional,-7,6,BrokerA,LMT,85,VAR>budget,Hedge,Risk above budget threshold,82,-51,71,3,false,Monitor dispersion and breadth
P2930,Cautious,Taxable,USD,2025-12-26,205925,26188,179737,1.0,52.5,31.0,0.0,16.5,BRK.B:16.6%;TSLA:13.6%;HYG:21.1%;VTI:21.1%;AAPL:21.1%;IEF:6.5%,US:67.3;EU:18.0;APAC:8.3;EM:4.7;Other:1.7,Value:-0.3;Growth:-0.4;Quality:-0.3;Size:-0.0;Momentum:+1.0;LowVol:-0.1,ESGOnly;NoDerivatives;NoMargin,8,35,3.5,hard 10%,115,19.6,Bull,14.8,3.52,3.3,98,7,64,32,false,Sell,Trim extended winner -1%,-14,-32,BrokerB,LMT,100,None,None,Normal monitoring,-17,4,4,3,false,Within IPS guidelines
P2931,Systematic,401k,USD,2025-08-28,433559,42884,390675,1.0,67.9,24.5,1.5,6.1,HYG:15.2%;BND:15.7%;IEF:20.8%;XLF:6.5%;VNQ:20.8%;AMZN:20.8%,US:71.5;EU:15.8;APAC:6.9;EM:3.1;Other:2.7,Value:+1.0;Growth:-0.2;Quality:-0.6;Size:-0.5;Momentum:-0.4;LowVol:-1.0,,10,35,5.2,trailing 8%,126,18.9,Sideways,16.6,4.08,2.9,102,48,81,47,false,Sell,Trim extended winner -1%,26,7,BrokerC,LMT,85,None,None,Normal monitoring,-57,-50,-44,3,false,Within IPS guidelines
P2932,Cautious,IRA,USD,2025-05-24,173808,18303,155505,1.0,41.9,32.5,14.6,11.0,MUB:11.6%;VTI:20.9%;HYG:18.1%;VNQ:20.9%;IEF:16.5%;AAPL:12.0%,US:67.3;EU:13.5;APAC:6.8;EM:8.3;Other:4.1,Value:-0.1;Growth:+0.4;Quality:+0.7;Size:+0.8;Momentum:-0.2;LowVol:-0.5,ESGOnly;MaxPos5%;NoMargin,7,35,3.0,hard 10%,117,17.2,Bear,30.4,3.79,1.4,214,-64,24,74,true,Reduce,"Cut high-beta by 2-3%, add cash",21,-24,BrokerC,LMT,90,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-42,7,-22,4,true,Tax-aware sells next window
P2933,Hands-off,Taxable,USD,2025-05-02,259907,18468,241439,1.0,67.0,26.1,0.0,7.0,VTI:10.5%;GLD:21.5%;TLT:21.5%;BND:13.1%;IEF:20.5%;AAPL:12.9%,US:72.9;EU:9.5;APAC:8.5;EM:7.4;Other:1.7,Value:+0.6;Growth:-0.1;Quality:+0.9;Size:-0.3;Momentum:+0.1;LowVol:-0.2,ESGOnly;MaxPos8%,6,35,4.4,trailing 8%,95,18.2,Bull,16.1,4.96,3.2,101,107,100,50,false,NoAction,Within bands; monitor,26,-31,BrokerD,VWAP,95,None,None,Normal monitoring,119,-56,97,3,false,Tax-aware sells next window
P2934,Hands-off,Trust,USD,2024-12-16,252347,14298,238049,1.0,60.7,16.9,16.2,6.2,TLT:33.3%;MUB:33.3%;VNQ:33.3%,US:68.9;EU:8.9;APAC:10.5;EM:7.4;Other:4.3,Value:+0.9;Growth:-0.4;Quality:-0.2;Size:-0.3;Momentum:-0.8;LowVol:-0.7,NoDerivatives,8,35,5.7,trailing 10%,102,14.7,Sideways,17.3,3.71,3.3,94,56,75,60,false,Rebalance,Shift +1% to bonds from equity,10,6,BrokerC,MKT,92,None,None,Normal monitoring,-44,6,-15,3,false,Monitor dispersion and breadth
P2935,Cautious,Taxable,USD,2025-05-03,297369,37203,260166,1.0,43.7,42.2,0.0,14.1,TSLA:10.6%;BRK.B:20.5%;MSFT:9.6%;QQQ:18.3%;GLD:20.5%;XLF:20.5%,US:58.5;EU:18.8;APAC:11.9;EM:9.5;Other:1.4,Value:+0.1;Growth:+0.1;Quality:+0.8;Size:+0.1;Momentum:+0.6;LowVol:-0.9,ESGOnly;MaxPos8%;NoDerivatives;NoMargin,5,35,5.2,trailing 8%,106,13.6,Volatile,30.3,4.3,2.8,137,-51,39,73,true,Reduce,"Cut high-beta by 2-3%, add cash",29,13,BrokerD,MKT,86,Drift>tolerance,Pause,Allocation drift beyond policy bands,107,-17,241,3,false,Monitor dispersion and breadth
P2936,Opportunistic,Taxable,USD,2025-09-10,1622637,52728,1569909,1.0,61.7,11.6,21.0,5.7,HYG:29.7%;AMZN:35.2%;MSFT:35.2%,US:67.2;EU:11.6;APAC:10.9;EM:10.3;Other:0.1,Value:+1.0;Growth:+0.6;Quality:+0.7;Size:+0.5;Momentum:-0.0;LowVol:-0.1,,6,35,7.0,trailing 9%,235,30.9,Bull,13.9,3.63,2.3,113,17,71,46,false,NoAction,Within bands; monitor,9,-39,BrokerD,MKT,0,None,None,Normal monitoring,-40,-36,12,3,false,Tighten stops on momentum names
P2937,Hands-off,Taxable,USD,2025-02-11,298116,17325,280791,1.0,57.0,23.6,11.8,7.6,BRK.B:20.1%;QQQ:7.7%;AMZN:14.8%;GLD:18.2%;IEF:20.3%;VOO:18.9%,US:59.5;EU:17.4;APAC:7.5;EM:11.0;Other:4.5,Value:+0.2;Growth:+0.2;Quality:-0.8;Size:+0.3;Momentum:-0.3;LowVol:+0.8,ESGOnly,7,25,5.9,hard 10%,107,17.8,Sideways,14.9,4.07,2.6,121,17,43,35,false,Sell,Trim extended winner -1%,-8,3,BrokerC,MKT,85,None,None,Normal monitoring,23,-56,139,4,false,Monitor dispersion and breadth
P2938,Cautious,Trust,USD,2024-11-10,824390,84213,740177,1.0,37.0,39.7,10.0,13.4,GLD:26.0%;BRK.B:26.0%;MUB:22.0%;XLF:26.0%,US:65.0;EU:18.0;APAC:8.8;EM:3.7;Other:4.5,Value:-0.8;Growth:+0.6;Quality:+0.9;Size:-0.3;Momentum:-0.7;LowVol:+0.7,ESGOnly;NoMargin,8,35,5.0,trailing 8%,161,17.6,Sideways,14.3,4.58,2.6,114,50,75,34,false,Rebalance,Shift +1% to bonds from equity,-5,11,BrokerD,MKT,94,None,None,Normal monitoring,-12,-3,-13,4,false,Monitor dispersion and breadth
P2939,Systematic,Roth,USD,2025-02-22,931516,44667,886849,1.0,56.7,32.4,2.9,8.0,MSFT:26.5%;TLT:20.0%;AMZN:13.5%;BND:13.5%;XLF:26.5%,US:65.8;EU:13.9;APAC:6.5;EM:10.8;Other:3.1,Value:-0.4;Growth:+0.3;Quality:+0.4;Size:+0.2;Momentum:+0.6;LowVol:+0.8,MaxPos5%;NoDerivatives,6,25,5.6,trailing 8%,121,27.5,Bull,14.9,4.6,2.0,71,39,68,51,false,Rebalance,Shift +1% to bonds from equity,-9,-3,BrokerC,VWAP,87,None,None,Normal monitoring,-18,-51,112,5,false,Tax-aware sells next window
P2940,Systematic,Roth,USD,2025-03-23,1874491,143167,1731324,1.0,60.7,28.1,5.7,5.5,IEF:26.9%;VNQ:26.9%;MSFT:26.9%;BND:19.2%,US:59.7;EU:17.0;APAC:12.1;EM:8.6;Other:2.6,Value:+0.2;Growth:-0.4;Quality:+0.1;Size:-1.0;Momentum:-0.8;LowVol:-0.7,,10,35,4.5,trailing 9%,124,24.6,Sideways,21.3,3.78,2.7,124,44,67,61,false,Rebalance,Shift +1% to bonds from equity,18,-19,BrokerD,VWAP,99,None,None,Normal monitoring,15,-17,43,4,false,Monitor dispersion and breadth
P2941,Active,IRA,USD,2025-02-10,722199,54703,667496,1.15,69.6,23.5,1.4,5.4,HYG:25.3%;BND:24.2%;TSLA:25.3%;AAPL:25.3%,US:70.3;EU:11.1;APAC:9.8;EM:6.6;Other:2.2,Value:-0.3;Growth:+0.9;Quality:-0.4;Size:-1.0;Momentum:+0.2;LowVol:+0.8,,5,25,4.3,trailing 8%,156,17.2,Bear,23.6,4.18,2.1,153,-108,5,70,false,Sell,Trim extended winner -1%,8,-33,BrokerB,MKT,100,None,None,Normal monitoring,19,-59,56,5,false,Tighten stops on momentum names
P2942,Hands-off,Trust,USD,2024-11-18,469835,19577,450258,1.0,70.2,20.4,1.8,7.5,VTI:23.0%;HYG:10.3%;IEF:23.0%;TSLA:23.0%;GLD:20.6%,US:66.5;EU:13.6;APAC:12.1;EM:6.0;Other:1.8,Value:+0.4;Growth:-0.2;Quality:-1.0;Size:+0.8;Momentum:+0.1;LowVol:+0.1,,8,35,3.0,trailing 8%,156,13.7,Sideways,14.4,4.65,3.5,97,-28,31,55,false,Hedge,Add TLT +1% as duration hedge,16,-7,BrokerD,LMT,95,None,None,Normal monitoring,19,16,151,4,false,Tighten stops on momentum names
P2943,Active,IRA,USD,2025-04-02,1379105,101201,1277904,1.0,50.8,26.8,17.0,5.4,BND:33.3%;HYG:33.3%;TSLA:33.3%,US:65.9;EU:11.6;APAC:12.2;EM:9.6;Other:0.8,Value:+0.2;Growth:+0.4;Quality:+0.1;Size:-0.4;Momentum:-0.8;LowVol:+0.3,,5,30,5.9,trailing 8%,186,26.8,Volatile,23.8,4.22,3.6,152,38,77,63,true,Hedge,Buy index puts 1% notional,4,-35,BrokerA,MKT,85,Drift>tolerance,Hedge,Allocation drift beyond policy bands,47,-53,93,3,false,Within IPS guidelines
P2944,Hands-off,IRA,USD,2025-09-28,879111,83333,795778,1.0,55.3,15.2,22.8,6.7,XLF:15.9%;AMZN:22.4%;HYG:22.4%;BND:18.5%;IEF:8.8%;AAPL:12.1%,US:68.6;EU:13.7;APAC:9.8;EM:7.5;Other:0.4,Value:-0.2;Growth:-0.4;Quality:+0.1;Size:+0.4;Momentum:+0.9;LowVol:0.0,,8,35,5.9,hard 10%,151,12.6,Sideways,17.4,4.76,2.7,104,6,57,42,true,Hedge,Buy index puts 1% notional,16,1,BrokerB,VWAP,86,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-7,-43,26,4,false,Monitor dispersion and breadth
P2945,Cautious,Roth,USD,2025-01-29,357818,31106,326712,1.0,46.5,31.4,4.4,17.7,MUB:28.7%;VTI:27.5%;XLF:28.7%;VNQ:15.1%,US:66.1;EU:7.1;APAC:9.3;EM:14.2;Other:3.2,Value:+0.7;Growth:+0.2;Quality:+0.9;Size:+0.4;Momentum:-0.1;LowVol:-0.3,NoMargin,8,25,5.5,hard 10%,151,18.4,Sideways,21.3,4.7,2.0,135,37,54,56,false,Hedge,Add TLT +1% as duration hedge,7,-30,BrokerC,MKT,85,None,None,Normal monitoring,75,-32,192,4,false,Increase defensive factor exposure
P2946,Opportunistic,401k,USD,2025-08-23,753207,43599,709608,1.0,66.2,18.9,10.2,4.7,VTI:28.9%;TLT:35.6%;AMZN:35.6%,US:61.7;EU:11.9;APAC:11.5;EM:12.0;Other:2.9,Value:-0.8;Growth:+0.3;Quality:-0.6;Size:+0.4;Momentum:+0.7;LowVol:-0.3,MaxPos8%,7,25,5.7,trailing 7%,171,26.1,Bull,17.1,4.98,2.6,80,105,100,43,true,Reduce,"Cut high-beta by 2-3%, add cash",27,7,BrokerB,LMT,96,RegimeShift,Hedge,Volatility spike and breadth deterioration,93,-60,226,3,false,Monitor dispersion and breadth
P2947,Active,Roth,USD,2024-09-10,2248394,231758,2016636,1.0,64.7,26.4,2.8,6.1,QQQ:33.3%;VTI:33.3%;MUB:33.3%,US:69.5;EU:17.3;APAC:7.7;EM:3.2;Other:2.4,Value:-0.3;Growth:-0.9;Quality:+0.6;Size:-0.8;Momentum:+0.3;LowVol:-0.5,MaxPos6%,6,25,6.0,trailing 8%,228,27.3,Bull,17.2,5.0,2.2,88,42,78,47,false,Sell,Trim extended winner -1%,14,-21,BrokerD,LMT,100,None,None,Normal monitoring,52,-47,38,5,false,Increase defensive factor exposure
P2948,Hands-off,Trust,USD,2024-09-03,481094,42247,438847,1.0,62.7,28.0,0.0,9.4,BND:20.1%;VNQ:15.5%;VOO:20.6%;AMZN:12.6%;BRK.B:12.8%;GLD:18.4%,US:64.8;EU:11.6;APAC:14.3;EM:4.0;Other:5.3,Value:+0.6;Growth:-0.1;Quality:+0.7;Size:-0.0;Momentum:-0.8;LowVol:+0.5,ESGOnly;NoDerivatives,7,35,3.7,hard 10%,98,14.7,Bear,22.8,3.95,2.1,190,-74,5,66,false,Rebalance,Shift +1% to bonds from equity,-1,-18,BrokerC,MKT,88,None,None,Normal monitoring,93,-40,59,5,false,Within IPS guidelines
P2949,Active,Trust,USD,2025-10-04,1904675,154238,1750437,1.0,59.7,28.6,6.4,5.3,MUB:27.5%;MSFT:27.5%;VNQ:27.5%;QQQ:17.4%,US:66.8;EU:14.9;APAC:6.1;EM:9.8;Other:2.4,Value:+0.2;Growth:+0.4;Quality:+0.2;Size:-0.3;Momentum:+0.5;LowVol:+0.1,MaxPos6%;NoDerivatives,8,30,6.0,trailing 8%,148,26.9,Volatile,25.0,5.03,2.2,138,-4,62,65,false,Rebalance,Shift +1% to bonds from equity,10,9,BrokerA,LMT,94,None,None,Normal monitoring,32,-38,0,3,false,Monitor dispersion and breadth
P2950,Opportunistic,Taxable,USD,2025-10-06,1273278,68732,1204546,1.0,64.4,16.5,12.0,7.2,TLT:19.3%;IEF:26.9%;AMZN:26.9%;MSFT:26.9%,US:66.5;EU:18.1;APAC:7.9;EM:3.7;Other:3.8,Value:-0.5;Growth:0.0;Quality:+0.3;Size:+0.6;Momentum:-0.7;LowVol:-0.3,,7,35,5.0,trailing 9%,188,25.3,Bull,12.7,4.75,2.1,86,42,70,44,false,Rebalance,Shift +1% to bonds from equity,-13,-21,BrokerA,MKT,95,None,None,Normal monitoring,52,-48,53,3,false,Within IPS guidelines
P2951,Cautious,Roth,USD,2025-03-29,161336,13425,147911,1.0,39.4,32.7,16.8,11.2,VOO:31.1%;TSLA:31.1%;IEF:18.9%;QQQ:18.9%,US:62.2;EU:15.3;APAC:14.6;EM:5.0;Other:2.9,Value:-0.3;Growth:-0.1;Quality:-0.6;Size:+0.5;Momentum:-0.0;LowVol:+0.5,NoMargin,8,25,4.1,trailing 8%,98,19.7,Sideways,20.0,4.39,3.2,102,43,76,37,false,Sell,Trim extended winner -1%,28,-21,BrokerD,VWAP,98,None,None,Normal monitoring,111,-19,112,4,false,Within IPS guidelines
P2952,Active,IRA,USD,2025-07-13,1569184,161530,1407654,1.0,51.6,18.0,23.7,6.7,MSFT:20.9%;XLF:21.2%;VTI:15.4%;HYG:21.2%;AMZN:21.2%,US:73.6;EU:12.7;APAC:8.1;EM:5.4;Other:0.1,Value:+0.7;Growth:-0.2;Quality:-0.4;Size:+0.6;Momentum:+0.4;LowVol:+1.0,MaxPos5%;NoDerivatives,10,25,4.7,trailing 8%,164,26.1,Bear,29.1,3.94,1.9,188,-39,40,65,false,Sell,Trim extended winner -1%,27,-35,BrokerB,LMT,96,None,None,Normal monitoring,-35,-41,-59,4,false,Within IPS guidelines
P2953,Opportunistic,IRA,USD,2025-07-25,1123673,67101,1056572,1.0,72.3,13.9,9.3,4.5,HYG:19.4%;GLD:14.9%;AMZN:16.9%;QQQ:20.3%;VNQ:7.8%;BND:20.8%,US:67.9;EU:11.2;APAC:6.2;EM:13.5;Other:1.2,Value:-0.8;Growth:+0.3;Quality:+0.4;Size:+0.1;Momentum:+0.1;LowVol:+0.9,MaxPos7%;NoDerivatives,8,25,5.5,trailing 7%,253,30.0,Bull,13.5,4.91,2.4,71,111,95,58,true,Hedge,Buy index puts 1% notional,18,-6,BrokerC,MKT,86,RegimeShift,Pause,Volatility spike and breadth deterioration,120,-28,156,2,false,Tax-aware sells next window
P2954,Active,IRA,USD,2025-08-18,914432,68726,845706,1.0,51.7,20.0,20.7,7.7,MUB:18.5%;VTI:12.2%;VOO:23.1%;MSFT:23.1%;BRK.B:23.1%,US:66.2;EU:16.1;APAC:6.4;EM:6.6;Other:4.8,Value:-0.3;Growth:+0.4;Quality:-0.2;Size:-0.6;Momentum:+0.3;LowVol:+0.8,,5,35,4.7,trailing 8%,150,26.9,Volatile,29.0,4.54,2.1,159,2,37,72,true,Reduce,"Cut high-beta by 2-3%, add cash",5,-39,BrokerA,LMT,88,VAR>budget,Pause,Risk above budget threshold,-11,-36,1,2,false,Tighten stops on momentum names
P2955,Active,401k,USD,2025-06-07,2017330,217755,1799575,1.21,64.9,25.2,1.5,8.4,BRK.B:23.7%;AMZN:15.8%;IEF:23.7%;TSLA:12.9%;AAPL:23.7%,US:71.9;EU:6.9;APAC:7.6;EM:10.9;Other:2.8,Value:-0.6;Growth:+0.4;Quality:-0.2;Size:-0.7;Momentum:+0.4;LowVol:-0.7,NoDerivatives,6,35,5.2,hard 12%,210,25.0,Bear,25.9,4.23,1.1,188,-93,5,76,true,Rebalance,Rebalance back to target bands,-5,-9,BrokerC,LMT,92,Drift>tolerance,Reduce,Allocation drift beyond policy bands,19,-36,145,3,false,Increase defensive factor exposure
P2956,Active,IRA,USD,2024-12-20,1399636,115552,1284084,1.2,63.7,29.8,0.0,6.5,MSFT:12.9%;AAPL:21.5%;VTI:21.5%;XLF:13.4%;VOO:17.9%;GLD:12.9%,US:60.5;EU:17.7;APAC:13.0;EM:8.7;Other:0.1,Value:+0.8;Growth:-0.4;Quality:-0.0;Size:+0.1;Momentum:-0.6;LowVol:+0.9,,7,25,4.2,trailing 8%,195,23.1,Bear,30.0,4.17,1.6,163,40,75,83,true,Rebalance,Rebalance back to target bands,7,5,BrokerB,MKT,100,Drift>tolerance,Reduce,Allocation drift beyond policy bands,59,-12,195,5,false,Tighten stops on momentum names
P2957,Opportunistic,Trust,USD,2025-11-13,939926,83841,856085,1.0,61.8,20.5,9.8,7.9,TLT:13.1%;MSFT:24.2%;AMZN:14.2%;XLF:24.2%;QQQ:24.2%,US:70.6;EU:9.3;APAC:8.1;EM:8.1;Other:4.0,Value:-0.1;Growth:-0.9;Quality:-0.4;Size:+0.8;Momentum:+0.8;LowVol:-0.0,NoDerivatives,10,25,6.4,trailing 9%,278,25.9,Sideways,21.0,3.93,2.6,111,43,68,66,false,Sell,Trim extended winner -1%,25,-38,BrokerA,LMT,98,None,None,Normal monitoring,77,-10,66,4,false,Within IPS guidelines
P2958,Systematic,Trust,USD,2025-03-14,1211257,85789,1125468,1.0,63.5,20.1,10.1,6.3,IEF:17.5%;VOO:16.0%;AMZN:21.4%;MUB:14.7%;XLF:21.4%;VTI:9.0%,US:61.2;EU:18.7;APAC:9.1;EM:6.8;Other:4.2,Value:-0.7;Growth:-0.6;Quality:+0.1;Size:+0.1;Momentum:+0.7;LowVol:-0.1,,7,30,4.5,trailing 8%,149,17.3,Bull,15.3,4.37,2.9,116,24,50,51,false,Sell,Trim extended winner -1%,-15,-28,BrokerD,MKT,100,None,None,Normal monitoring,9,-58,0,3,false,Within IPS guidelines
P2959,Hands-off,401k,USD,2025-04-11,683341,43386,639955,1.0,66.1,17.6,7.0,9.4,BND:12.7%;MUB:29.1%;BRK.B:29.1%;AMZN:29.1%,US:62.9;EU:18.7;APAC:8.3;EM:9.4;Other:0.8,Value:-0.1;Growth:+0.4;Quality:+0.8;Size:+0.2;Momentum:+0.5;LowVol:+0.4,ESGOnly,10,25,5.8,trailing 10%,140,17.1,Sideways,16.2,3.63,2.5,116,47,62,52,true,Rebalance,Rebalance back to target bands,-14,7,BrokerD,MKT,91,VAR>budget,Hedge,Risk above budget threshold,-58,8,33,2,false,Increase defensive factor exposure
P2960,Cautious,401k,USD,2025-09-18,815296,85074,730222,1.0,38.0,39.4,5.5,17.1,MUB:16.6%;GLD:25.6%;IEF:15.5%;QQQ:16.7%;TLT:25.6%,US:76.0;EU:7.8;APAC:9.5;EM:6.3;Other:0.5,Value:-0.6;Growth:-1.0;Quality:+0.8;Size:-0.2;Momentum:-0.1;LowVol:-0.3,NoDerivatives;NoMargin,7,25,5.4,hard 10%,156,14.4,Bull,17.4,3.8,3.1,120,29,74,43,false,Rebalance,Shift +1% to bonds from equity,2,-31,BrokerA,LMT,93,None,None,Normal monitoring,104,-1,197,3,false,Tighten stops on momentum names
P2961,Opportunistic,Taxable,USD,2025-07-09,1641617,71790,1569827,1.19,74.2,11.6,6.9,7.3,QQQ:17.5%;BRK.B:12.9%;MUB:20.3%;HYG:19.2%;TSLA:9.8%;MSFT:20.3%,US:63.0;EU:18.4;APAC:5.7;EM:12.3;Other:0.6,Value:-0.4;Growth:-0.6;Quality:-0.6;Size:+0.1;Momentum:+0.2;LowVol:+0.9,,7,35,6.9,hard 12%,265,21.2,Bull,15.6,4.39,3.3,111,56,76,57,false,Sell,Trim extended winner -1%,28,14,BrokerA,VWAP,89,None,None,Normal monitoring,-53,18,85,5,false,Tighten stops on momentum names
P2962,Systematic,Trust,USD,2024-12-30,1929338,186020,1743318,1.0,62.1,31.6,0.0,6.3,VTI:26.5%;VNQ:20.6%;GLD:26.5%;BND:26.5%,US:64.5;EU:12.8;APAC:15.5;EM:6.8;Other:0.4,Value:-1.0;Growth:+0.4;Quality:-0.1;Size:+0.2;Momentum:-0.8;LowVol:+1.0,MaxPos5%;NoDerivatives,5,35,4.5,trailing 9%,155,27.3,Bull,17.5,3.63,2.2,106,42,56,44,false,Buy,Add to core equity +1%,4,-32,BrokerB,VWAP,88,None,None,Normal monitoring,90,-31,161,5,false,Monitor dispersion and breadth
P2963,Hands-off,IRA,USD,2025-09-10,674638,50420,624218,1.0,71.2,20.5,0.0,8.2,XLF:15.8%;BND:28.1%;HYG:28.1%;VNQ:28.1%,US:68.9;EU:8.5;APAC:14.5;EM:5.1;Other:3.0,Value:+0.6;Growth:+0.3;Quality:-0.7;Size:+0.5;Momentum:-0.6;LowVol:-0.4,,6,25,3.2,trailing 8%,138,18.7,Bear,33.6,3.36,2.4,146,33,68,83,true,Reduce,"Cut high-beta by 2-3%, add cash",-1,1,BrokerB,MKT,100,RegimeShift,Hedge,Volatility spike and breadth deterioration,27,-53,129,2,false,Within IPS guidelines
P2964,Cautious,IRA,USD,2025-05-01,296460,26688,269772,1.0,47.1,40.5,1.3,11.1,MSFT:25.5%;VOO:23.5%;AMZN:25.5%;QQQ:25.5%,US:72.9;EU:11.8;APAC:6.9;EM:5.4;Other:3.0,Value:+0.5;Growth:+0.8;Quality:+0.6;Size:-0.7;Momentum:+0.9;LowVol:+0.7,MaxPos5%;NoMargin,7,25,4.6,trailing 8%,114,14.1,Bull,16.6,4.63,2.9,101,54,72,43,false,Buy,Add to core equity +1%,-11,-30,BrokerA,MKT,87,None,None,Normal monitoring,44,-37,75,3,false,Tighten stops on momentum names
P2965,Hands-off,Taxable,USD,2024-09-03,170364,11488,158876,1.0,57.1,28.8,6.8,7.3,AMZN:18.1%;VOO:21.9%;HYG:16.0%;GLD:21.9%;MUB:21.9%,US:70.8;EU:5.9;APAC:8.3;EM:11.3;Other:3.8,Value:+0.8;Growth:+0.8;Quality:+0.8;Size:+0.9;Momentum:+0.9;LowVol:-0.1,,6,30,4.5,trailing 8%,94,14.1,Bull,17.4,3.9,2.7,117,17,62,53,false,Rebalance,Shift +1% to bonds from equity,27,-9,BrokerA,MKT,94,None,None,Normal monitoring,-37,-49,29,5,false,Within IPS guidelines
P2966,Active,Roth,USD,2025-11-16,1876944,184936,1692008,1.15,53.5,18.5,22.3,5.7,BND:21.6%;XLF:16.8%;VOO:11.3%;BRK.B:9.6%;MUB:21.6%;AMZN:19.2%,US:65.1;EU:11.8;APAC:14.0;EM:4.6;Other:4.5,Value:+0.5;Growth:-0.6;Quality:+0.3;Size:-0.2;Momentum:+0.7;LowVol:+0.1,MaxPos7%,7,30,4.5,trailing 8%,203,17.8,Bear,26.9,3.19,1.3,137,-53,10,63,false,NoAction,Within bands; monitor,0,2,BrokerD,MKT,0,None,None,Normal monitoring,34,-17,7,5,false,Increase defensive factor exposure
P2967,Cautious,Roth,USD,2025-03-17,467417,49894,417523,1.0,44.3,39.6,6.1,10.0,GLD:14.1%;AMZN:11.5%;TLT:17.7%;MUB:21.4%;AAPL:21.4%;TSLA:13.8%,US:71.0;EU:11.6;APAC:10.4;EM:5.9;Other:1.1,Value:-0.9;Growth:-0.0;Quality:+0.5;Size:+0.3;Momentum:+0.3;LowVol:-0.2,ESGOnly;NoMargin,6,30,5.9,trailing 10%,108,14.0,Bear,24.8,3.43,2.6,172,15,58,46,false,Sell,Trim extended winner -1%,10,-25,BrokerD,LMT,99,None,None,Normal monitoring,-57,-25,14,5,false,Tighten stops on momentum names
P2968,Opportunistic,Roth,USD,2025-12-09,1039581,75515,964066,1.0,60.3,18.8,14.3,6.6,QQQ:33.3%;BND:33.3%;BRK.B:33.3%,US:64.5;EU:19.6;APAC:8.0;EM:6.1;Other:1.7,Value:-0.7;Growth:+0.4;Quality:+0.7;Size:+0.9;Momentum:-0.4;LowVol:-0.4,,7,30,6.9,trailing 7%,193,21.7,Volatile,20.0,4.18,4.0,173,39,61,46,false,Buy,Add to core equity +1%,24,-7,BrokerB,LMT,91,None,None,Normal monitoring,32,-25,39,4,false,Tighten stops on momentum names
P2969,Cautious,Trust,USD,2024-10-23,442179,42078,400101,1.0,43.9,39.2,0.0,16.9,VTI:21.1%;MUB:21.1%;BRK.B:13.3%;VNQ:12.5%;QQQ:21.1%;BND:10.8%,US:55.7;EU:17.0;APAC:13.3;EM:12.3;Other:1.7,Value:+0.3;Growth:-0.5;Quality:-0.6;Size:-0.0;Momentum:+0.2;LowVol:-0.7,ESGOnly;NoMargin,5,25,5.0,trailing 8%,124,12.4,Volatile,23.4,5.17,3.3,151,26,69,52,false,NoAction,Within bands; monitor,25,11,BrokerA,MKT,0,None,None,Normal monitoring,-31,-21,44,4,false,Monitor dispersion and breadth
P2970,Cautious,Roth,USD,2025-10-23,739561,59456,680105,1.0,39.5,42.8,1.6,16.1,TLT:22.8%;BRK.B:22.8%;TSLA:16.7%;HYG:22.8%;MSFT:14.8%,US:65.8;EU:7.2;APAC:17.0;EM:6.7;Other:3.3,Value:+0.2;Growth:+0.8;Quality:-0.6;Size:+0.1;Momentum:-0.8;LowVol:-0.6,NoDerivatives;NoMargin,6,35,4.0,trailing 8%,126,17.0,Bear,27.4,4.04,2.9,150,-118,6,62,false,Rebalance,Shift +1% to bonds from equity,1,13,BrokerD,MKT,98,None,None,Normal monitoring,-26,-46,47,3,false,Within IPS guidelines
P2971,Opportunistic,Roth,USD,2025-07-02,441732,30457,411275,1.0,73.0,11.5,8.4,7.0,AMZN:12.1%;MSFT:13.9%;MUB:20.6%;HYG:20.6%;XLF:18.7%;QQQ:14.1%,US:68.7;EU:9.5;APAC:13.1;EM:8.4;Other:0.3,Value:+0.8;Growth:-0.4;Quality:+0.1;Size:+0.2;Momentum:-0.7;LowVol:+0.7,MaxPos8%,7,25,5.8,trailing 9%,179,22.9,Bull,17.1,3.73,2.5,102,105,100,51,false,Rebalance,Shift +1% to bonds from equity,13,12,BrokerD,LMT,88,None,None,Normal monitoring,44,-28,20,5,false,Within IPS guidelines
P2972,Systematic,Roth,USD,2024-11-19,559700,36862,522838,1.0,56.2,23.2,11.3,9.3,MUB:23.4%;VNQ:18.2%;VTI:19.2%;MSFT:16.7%;XLF:22.5%,US:68.3;EU:15.1;APAC:7.1;EM:6.8;Other:2.7,Value:+0.2;Growth:-0.5;Quality:-0.9;Size:+0.6;Momentum:-0.2;LowVol:+0.8,,5,30,5.8,trailing 8%,155,18.7,Sideways,19.0,4.37,2.6,92,28,63,52,false,Buy,Add to core equity +1%,15,-22,BrokerA,MKT,93,None,None,Normal monitoring,26,-3,110,4,false,Monitor dispersion and breadth
P2973,Cautious,Trust,USD,2025-12-08,173651,19359,154292,1.0,39.4,34.9,9.3,16.5,QQQ:29.2%;VNQ:29.2%;MUB:25.1%;AMZN:16.5%,US:66.5;EU:16.3;APAC:9.9;EM:5.5;Other:1.8,Value:-0.3;Growth:+0.4;Quality:+0.6;Size:+0.3;Momentum:-0.8;LowVol:-1.0,MaxPos8%;NoMargin,5,25,3.6,trailing 10%,101,14.1,Sideways,15.1,4.27,2.5,118,6,61,41,false,Buy,Add to core equity +1%,26,-4,BrokerB,MKT,86,None,None,Normal monitoring,120,-41,83,5,false,Tighten stops on momentum names
P2974,Active,IRA,USD,2025-08-29,1387892,147184,1240708,1.0,59.2,26.2,5.7,9.0,IEF:20.1%;HYG:22.5%;MUB:12.3%;BRK.B:22.5%;AMZN:22.5%,US:69.0;EU:11.6;APAC:8.6;EM:7.5;Other:3.4,Value:+0.9;Growth:-0.9;Quality:+1.0;Size:-1.0;Momentum:-0.3;LowVol:-1.0,NoDerivatives,8,35,5.5,trailing 8%,219,21.4,Bear,24.3,4.25,2.1,202,-84,5,67,false,Rebalance,Shift +1% to bonds from equity,30,-30,BrokerB,VWAP,95,None,None,Normal monitoring,91,-52,85,5,false,Within IPS guidelines
P2975,Hands-off,401k,USD,2025-05-11,194568,17464,177104,1.0,67.0,24.8,1.1,7.0,VOO:25.0%;MSFT:25.0%;TLT:25.0%;VNQ:25.0%,US:67.3;EU:10.5;APAC:9.7;EM:10.8;Other:1.8,Value:-0.4;Growth:+1.0;Quality:+0.2;Size:+0.3;Momentum:-0.4;LowVol:-0.4,ESGOnly,5,25,4.8,hard 10%,115,14.6,Bull,16.0,3.75,2.6,101,84,93,48,false,Sell,Trim extended winner -1%,-1,-5,BrokerB,MKT,88,None,None,Normal monitoring,33,14,134,3,false,Tax-aware sells next window
P2976,Cautious,IRA,USD,2024-08-18,831618,85837,745781,1.0,41.7,31.3,9.7,17.3,MSFT:30.2%;AAPL:23.8%;TLT:30.2%;VOO:15.7%,US:59.9;EU:12.6;APAC:17.8;EM:8.3;Other:1.4,Value:+0.2;Growth:-0.5;Quality:-1.0;Size:+0.8;Momentum:-0.6;LowVol:+0.8,NoMargin,8,25,5.8,trailing 8%,110,19.1,Sideways,14.9,3.76,2.4,121,16,61,40,true,Hedge,Buy index puts 1% notional,12,3,BrokerB,MKT,91,RegimeShift,Pause,Volatility spike and breadth deterioration,60,-14,193,4,false,Increase defensive factor exposure
P2977,Cautious,401k,USD,2024-12-18,720521,101404,619117,1.0,46.8,36.2,6.8,10.2,QQQ:19.0%;IEF:14.8%;VNQ:21.1%;MUB:12.6%;HYG:18.1%;TSLA:14.4%,US:68.7;EU:13.8;APAC:6.5;EM:10.7;Other:0.3,Value:-0.7;Growth:-0.6;Quality:+0.5;Size:+0.1;Momentum:-0.6;LowVol:+0.9,ESGOnly;MaxPos6%;NoMargin,10,25,4.5,trailing 8%,106,15.3,Bear,26.1,3.27,1.8,189,-104,5,62,false,Rebalance,Shift +1% to bonds from equity,16,-25,BrokerB,MKT,89,None,None,Normal monitoring,72,-60,40,5,false,Monitor dispersion and breadth
P2978,Hands-off,401k,USD,2025-08-29,820489,79621,740868,1.0,61.1,29.3,4.4,5.2,HYG:33.3%;VTI:33.3%;XLF:33.3%,US:66.9;EU:12.6;APAC:5.7;EM:11.5;Other:3.2,Value:+1.0;Growth:-0.3;Quality:+0.4;Size:+0.8;Momentum:-0.3;LowVol:+0.9,,6,35,4.3,hard 10%,97,14.6,Bull,11.2,4.88,2.3,104,41,78,49,false,Rebalance,Shift +1% to bonds from equity,-3,-21,BrokerC,MKT,88,None,None,Normal monitoring,24,3,33,4,false,Within IPS guidelines
P2979,Active,IRA,USD,2025-01-08,751290,56472,694818,1.0,55.7,30.9,5.8,7.6,MUB:16.4%;BRK.B:27.9%;HYG:27.9%;TSLA:27.9%,US:56.5;EU:17.6;APAC:11.5;EM:11.5;Other:2.9,Value:-0.0;Growth:+0.6;Quality:+0.6;Size:-1.0;Momentum:-0.8;LowVol:+0.9,MaxPos6%,5,30,4.2,trailing 9%,197,20.2,Bear,32.4,3.52,2.4,162,-22,38,82,true,Rebalance,Rebalance back to target bands,-12,-22,BrokerA,VWAP,92,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,53,5,168,3,false,Tighten stops on momentum names
P2980,Systematic,Trust,USD,2024-08-24,1784923,167018,1617905,1.0,67.1,24.7,2.5,5.7,AAPL:26.8%;VOO:26.8%;BRK.B:26.8%;QQQ:19.7%,US:63.5;EU:9.7;APAC:11.1;EM:11.9;Other:3.8,Value:-0.9;Growth:-0.1;Quality:-0.8;Size:+0.8;Momentum:-0.6;LowVol:+0.9,NoDerivatives,10,35,4.0,hard 12%,183,20.5,Volatile,21.9,3.57,3.9,128,-53,37,68,false,Sell,Trim extended winner -1%,1,8,BrokerA,MKT,96,None,None,Normal monitoring,116,-18,134,4,false,Increase defensive factor exposure
P2981,Hands-off,IRA,USD,2024-11-18,339489,20561,318928,1.0,66.5,27.9,0.0,5.6,QQQ:33.3%;BRK.B:33.3%;HYG:33.3%,US:59.7;EU:16.6;APAC:12.5;EM:10.8;Other:0.3,Value:-0.6;Growth:-0.2;Quality:+0.8;Size:+0.7;Momentum:-0.1;LowVol:-1.0,ESGOnly;MaxPos6%;NoDerivatives,7,30,4.5,trailing 8%,154,17.6,Sideways,17.5,3.6,2.0,107,19,63,64,false,Rebalance,Shift +1% to bonds from equity,9,-40,BrokerC,LMT,96,None,None,Normal monitoring,-10,-30,66,5,false,Tighten stops on momentum names
P2982,Active,Taxable,USD,2024-10-08,2144681,159672,1985009,1.0,59.0,25.2,7.2,8.6,TLT:33.3%;BRK.B:33.3%;HYG:33.3%,US:70.0;EU:8.1;APAC:8.3;EM:10.2;Other:3.3,Value:-0.3;Growth:-0.8;Quality:+1.0;Size:-0.8;Momentum:0.0;LowVol:-0.2,,7,35,4.0,trailing 9%,177,24.4,Sideways,18.9,3.77,2.9,105,54,62,53,false,Buy,Add to core equity +1%,9,-27,BrokerA,MKT,93,None,None,Normal monitoring,70,-15,171,4,false,Increase defensive factor exposure
P2983,Hands-off,Taxable,USD,2024-11-04,239903,16849,223054,1.0,71.5,22.9,0.0,5.6,TLT:33.3%;QQQ:33.3%;IEF:33.3%,US:69.1;EU:8.7;APAC:12.9;EM:5.4;Other:4.0,Value:-0.1;Growth:+0.1;Quality:-0.8;Size:+1.0;Momentum:+0.5;LowVol:-0.5,ESGOnly;NoDerivatives,6,35,4.0,trailing 10%,157,13.2,Volatile,24.0,5.35,2.9,118,-33,22,79,true,Hedge,Buy index puts 1% notional,-7,4,BrokerB,MKT,94,RegimeShift,TightenStops,Volatility spike and breadth deterioration,72,2,83,4,false,Tax-aware sells next window
P2984,Systematic,401k,USD,2024-09-09,442601,36246,406355,1.0,55.5,28.8,6.7,9.0,XLF:27.6%;MUB:21.1%;HYG:24.3%;IEF:27.0%,US:67.9;EU:6.7;APAC:15.0;EM:5.8;Other:4.6,Value:+0.5;Growth:+0.3;Quality:+0.2;Size:-0.9;Momentum:-0.9;LowVol:-0.5,,6,25,5.8,trailing 8%,192,21.7,Bull,11.3,3.89,2.7,79,109,100,29,false,Sell,Trim extended winner -1%,-12,7,BrokerC,MKT,89,None,None,Normal monitoring,-54,12,-18,5,false,Monitor dispersion and breadth
P2985,Active,Trust,USD,2025-08-07,1798069,209740,1588329,1.0,68.2,19.9,4.2,7.7,AMZN:25.8%;XLF:25.8%;AAPL:22.6%;GLD:25.8%,US:66.3;EU:11.0;APAC:10.8;EM:11.2;Other:0.7,Value:+0.1;Growth:+0.1;Quality:-0.6;Size:+0.8;Momentum:-0.5;LowVol:-0.9,,10,35,4.1,trailing 9%,186,16.3,Bull,15.8,4.6,2.4,106,90,95,45,false,Buy,Add to core equity +1%,-7,-6,BrokerC,LMT,91,None,None,Normal monitoring,14,-40,18,3,false,Tax-aware sells next window
P2986,Hands-off,IRA,USD,2025-12-02,577017,32759,544258,1.0,63.1,16.2,11.2,9.5,MSFT:21.2%;XLF:17.5%;VTI:16.1%;AAPL:11.2%;IEF:21.2%;TLT:12.8%,US:60.3;EU:12.4;APAC:14.4;EM:11.8;Other:1.2,Value:+0.9;Growth:+0.2;Quality:-0.9;Size:+0.3;Momentum:+0.5;LowVol:+0.6,ESGOnly;NoDerivatives,6,25,5.5,hard 10%,96,13.2,Volatile,23.6,4.16,3.8,156,76,96,63,false,Buy,Add to core equity +1%,13,-13,BrokerC,VWAP,93,None,None,Normal monitoring,59,-3,199,5,false,Increase defensive factor exposure
P2987,Active,Roth,USD,2025-05-29,849623,95323,754300,1.0,55.1,20.8,15.8,8.3,VNQ:13.1%;AAPL:20.5%;HYG:21.6%;IEF:21.6%;VOO:7.0%;MSFT:16.3%,US:65.8;EU:14.3;APAC:8.7;EM:10.5;Other:0.7,Value:-0.1;Growth:+0.1;Quality:+0.5;Size:-0.1;Momentum:-0.5;LowVol:+0.2,,6,35,6.0,trailing 8%,121,25.3,Bear,24.2,4.24,1.9,184,-88,15,52,false,NoAction,Within bands; monitor,17,-26,BrokerA,LMT,86,None,None,Normal monitoring,-34,14,20,4,false,Tax-aware sells next window
P2988,Opportunistic,Taxable,USD,2025-07-31,996343,87260,909083,1.06,72.1,16.8,2.2,8.8,MUB:33.3%;QQQ:33.3%;BRK.B:33.3%,US:62.7;EU:15.7;APAC:12.5;EM:7.9;Other:1.2,Value:-0.9;Growth:+0.2;Quality:+0.6;Size:+0.4;Momentum:+0.9;LowVol:+0.6,,7,35,5.5,hard 12%,233,31.5,Volatile,28.7,4.8,2.3,147,52,74,75,true,Hedge,Buy index puts 1% notional,-3,-38,BrokerC,MKT,92,RegimeShift,Pause,Volatility spike and breadth deterioration,45,-42,155,2,false,Monitor dispersion and breadth
P2989,Hands-off,Trust,USD,2025-07-25,222493,10090,212403,1.0,68.0,20.1,5.8,6.1,VOO:19.0%;QQQ:22.3%;TLT:22.3%;BND:16.9%;VNQ:9.3%;GLD:10.2%,US:67.3;EU:16.0;APAC:11.5;EM:4.8;Other:0.4,Value:+0.8;Growth:-0.9;Quality:-0.1;Size:+0.2;Momentum:-1.0;LowVol:-0.2,MaxPos7%,6,25,4.1,hard 10%,144,17.8,Bull,11.7,3.7,3.0,75,81,82,42,false,Sell,Trim extended winner -1%,-11,7,BrokerC,LMT,100,None,None,Normal monitoring,14,-4,-8,5,false,Tighten stops on momentum names
P2990,Hands-off,IRA,USD,2025-06-24,274159,17805,256354,1.0,61.6,20.8,9.9,7.7,TLT:22.2%;HYG:28.0%;VOO:21.8%;VTI:28.0%,US:71.0;EU:10.1;APAC:6.0;EM:9.7;Other:3.2,Value:-0.6;Growth:+0.8;Quality:+0.4;Size:-0.4;Momentum:+0.6;LowVol:-0.6,ESGOnly;MaxPos8%,5,30,4.5,trailing 8%,163,14.7,Sideways,19.9,3.56,2.5,119,-21,31,59,true,Hedge,Buy index puts 1% notional,-7,-18,BrokerB,MKT,97,VAR>budget,Hedge,Risk above budget threshold,25,-40,63,5,false,Monitor dispersion and breadth
P2991,Cautious,401k,USD,2025-04-07,233505,21817,211688,1.0,35.6,37.9,11.4,15.2,AAPL:33.3%;MSFT:33.3%;XLF:33.3%,US:59.2;EU:16.7;APAC:10.4;EM:8.0;Other:5.7,Value:+0.9;Growth:-0.2;Quality:-0.2;Size:+0.5;Momentum:-0.8;LowVol:-0.3,MaxPos6%;NoDerivatives;NoMargin,7,25,4.9,trailing 8%,124,14.1,Sideways,17.8,4.06,2.4,110,36,60,45,false,Buy,Add to core equity +1%,1,-27,BrokerC,LMT,100,None,None,Normal monitoring,56,-24,119,4,false,Tax-aware sells next window
P2992,Cautious,401k,USD,2025-09-25,169304,26241,143063,1.0,47.1,34.1,4.1,14.7,IEF:33.3%;HYG:33.3%;QQQ:33.3%,US:57.4;EU:17.4;APAC:12.4;EM:8.6;Other:4.2,Value:-0.3;Growth:-0.0;Quality:-0.0;Size:+1.0;Momentum:-0.5;LowVol:-0.6,ESGOnly;NoDerivatives;NoMargin,6,35,5.3,hard 10%,154,17.9,Bull,14.4,4.78,2.4,83,82,96,41,false,Rebalance,Shift +1% to bonds from equity,-13,-15,BrokerA,MKT,93,None,None,Normal monitoring,68,20,43,3,false,Within IPS guidelines
P2993,Systematic,Roth,USD,2025-01-01,1229010,109940,1119070,1.0,65.9,24.9,0.0,9.1,MUB:33.3%;BND:33.3%;VNQ:33.3%,US:70.5;EU:14.1;APAC:10.6;EM:3.8;Other:0.9,Value:-0.9;Growth:+0.1;Quality:-0.4;Size:-0.0;Momentum:+0.7;LowVol:+0.9,,8,25,4.5,trailing 8%,161,18.5,Bull,14.2,4.69,2.3,108,76,84,41,false,Sell,Trim extended winner -1%,-5,-5,BrokerC,LMT,93,None,None,Normal monitoring,-26,12,96,3,false,Monitor dispersion and breadth
P2994,Hands-off,Taxable,USD,2025-11-16,512390,34305,478085,1.0,59.3,24.2,11.1,5.3,MUB:33.2%;IEF:33.4%;AMZN:33.4%,US:64.8;EU:11.9;APAC:13.6;EM:6.7;Other:3.0,Value:+0.8;Growth:-0.4;Quality:+0.5;Size:-0.7;Momentum:-0.8;LowVol:-0.1,ESGOnly;MaxPos5%,10,30,4.8,hard 10%,146,15.1,Volatile,24.9,4.95,3.9,140,-59,34,64,false,Rebalance,Shift +1% to bonds from equity,34,-6,BrokerB,MKT,90,None,None,Normal monitoring,81,11,135,3,false,Increase defensive factor exposure
P2995,Systematic,401k,USD,2025-09-05,1944001,194187,1749814,1.0,58.1,33.9,1.5,6.5,MSFT:21.6%;XLF:30.3%;VTI:30.3%;GLD:17.9%,US:68.6;EU:9.1;APAC:11.6;EM:9.3;Other:1.4,Value:-0.9;Growth:-0.4;Quality:-0.5;Size:+0.8;Momentum:-0.9;LowVol:+0.8,MaxPos8%,8,30,5.9,trailing 8%,176,22.3,Volatile,27.8,4.72,4.1,157,61,90,76,true,Rebalance,Rebalance back to target bands,10,-3,BrokerB,LMT,94,VAR>budget,Hedge,Risk above budget threshold,-31,5,9,5,false,Tighten stops on momentum names
P2996,Hands-off,Roth,USD,2024-10-19,474976,47446,427530,1.0,70.4,24.3,0.0,5.3,VTI:11.2%;AMZN:15.9%;HYG:9.7%;VNQ:21.9%;IEF:21.5%;TSLA:19.9%,US:66.0;EU:12.0;APAC:9.1;EM:12.7;Other:0.3,Value:-0.2;Growth:+0.9;Quality:+0.9;Size:+0.2;Momentum:-0.9;LowVol:+0.4,,8,30,5.0,trailing 8%,139,19.2,Volatile,24.8,5.08,4.3,156,50,69,77,true,Reduce,"Cut high-beta by 2-3%, add cash",-11,-3,BrokerC,LMT,90,RegimeShift,Reduce,Volatility spike and breadth deterioration,-24,-52,69,5,false,Tighten stops on momentum names
P2997,Opportunistic,Taxable,USD,2025-05-02,875558,51055,824503,1.0,68.3,15.1,8.5,8.1,AMZN:27.4%;TLT:36.3%;VOO:36.3%,US:64.5;EU:13.9;APAC:9.1;EM:9.3;Other:3.2,Value:+0.8;Growth:-0.0;Quality:+0.7;Size:-0.3;Momentum:0.0;LowVol:+0.9,MaxPos5%,7,30,5.0,hard 12%,218,32.4,Bull,14.4,4.84,2.5,94,54,88,42,true,Rebalance,Rebalance back to target bands,-14,14,BrokerC,MKT,100,VAR>budget,Reduce,Risk above budget threshold,-28,-14,51,2,false,Tighten stops on momentum names
P2998,Systematic,Taxable,USD,2025-05-14,614142,35756,578386,1.0,57.7,28.2,7.5,6.6,AAPL:33.3%;IEF:33.3%;VNQ:33.3%,US:67.0;EU:12.7;APAC:8.6;EM:7.9;Other:3.8,Value:-0.2;Growth:-0.3;Quality:+0.7;Size:-0.7;Momentum:-0.7;LowVol:+0.9,NoDerivatives,5,30,4.0,trailing 8%,223,24.2,Volatile,32.0,5.4,4.5,112,75,81,82,true,Hedge,Buy index puts 1% notional,25,-21,BrokerC,MKT,87,RegimeShift,Pause,Volatility spike and breadth deterioration,-30,-18,-41,2,false,Tax-aware sells next window
P2999,Systematic,401k,USD,2025-03-06,441904,38705,403199,1.0,66.6,25.8,2.6,5.0,MSFT:33.3%;GLD:33.3%;TSLA:33.3%,US:75.4;EU:5.4;APAC:7.0;EM:7.6;Other:4.6,Value:+0.4;Growth:-0.9;Quality:+0.1;Size:+0.4;Momentum:+0.6;LowVol:+0.9,MaxPos5%;NoDerivatives,7,25,4.2,hard 12%,205,16.5,Volatile,31.8,3.66,3.2,142,-5,42,92,true,Hedge,Buy index puts 1% notional,24,-4,BrokerC,MKT,94,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-29,-21,-10,5,false,Within IPS guidelines
P3000,Active,Trust,USD,2025-11-12,2297329,265043,2032286,1.0,61.0,30.6,1.0,7.4,MUB:22.4%;AAPL:13.5%;MSFT:22.4%;IEF:11.5%;VTI:19.9%;BND:10.4%,US:73.3;EU:7.6;APAC:10.6;EM:5.6;Other:2.8,Value:+0.2;Growth:-0.8;Quality:-1.0;Size:-0.9;Momentum:+0.2;LowVol:-0.3,,8,35,5.4,trailing 8%,179,18.1,Volatile,26.5,4.67,2.9,144,-57,7,75,true,Hedge,Buy index puts 1% notional,31,-12,BrokerC,LMT,93,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-19,10,-17,5,false,Within IPS guidelines
P3001,Active,Taxable,USD,2025-01-31,2452782,240784,2211998,1.0,57.5,18.1,17.7,6.7,MUB:13.7%;GLD:21.6%;IEF:21.6%;XLF:21.6%;MSFT:21.6%,US:67.6;EU:11.1;APAC:12.5;EM:3.9;Other:4.8,Value:-0.3;Growth:+1.0;Quality:+0.4;Size:-1.0;Momentum:+0.5;LowVol:+0.1,MaxPos6%,8,35,4.0,trailing 9%,144,21.7,Volatile,27.6,3.75,3.6,121,65,94,73,true,Reduce,"Cut high-beta by 2-3%, add cash",-11,6,BrokerB,MKT,90,VAR>budget,Reduce,Risk above budget threshold,63,-36,57,3,false,Tax-aware sells next window
P3002,Hands-off,Roth,USD,2025-02-18,170194,16969,153225,1.0,62.5,19.1,10.7,7.7,GLD:13.1%;MUB:15.4%;AMZN:23.8%;BND:23.8%;AAPL:23.8%,US:78.1;EU:8.5;APAC:5.6;EM:7.6;Other:0.2,Value:-0.5;Growth:-0.2;Quality:-1.0;Size:+0.8;Momentum:+0.1;LowVol:-0.8,ESGOnly;MaxPos8%,10,25,5.6,hard 10%,115,16.8,Volatile,30.3,4.28,3.3,112,-6,53,85,true,Reduce,"Cut high-beta by 2-3%, add cash",27,8,BrokerB,LMT,100,Drift>tolerance,Hedge,Allocation drift beyond policy bands,85,-23,46,4,false,Increase defensive factor exposure
P3003,Systematic,401k,USD,2025-02-02,952895,72858,880037,1.0,59.8,29.7,5.3,5.2,AMZN:21.1%;MSFT:12.6%;IEF:15.9%;GLD:15.0%;HYG:14.3%;XLF:21.1%,US:67.8;EU:13.7;APAC:7.3;EM:10.3;Other:0.9,Value:-0.4;Growth:-0.8;Quality:-0.6;Size:+0.5;Momentum:+0.7;LowVol:+0.2,,10,30,5.5,hard 12%,186,25.6,Bear,23.2,3.12,2.7,148,-118,5,67,false,NoAction,Within bands; monitor,-3,-3,BrokerC,VWAP,98,None,None,Normal monitoring,24,10,36,3,false,Tighten stops on momentum names
P3004,Systematic,Taxable,USD,2025-07-06,745136,59097,686039,1.0,64.9,26.9,0.0,8.2,TLT:33.3%;TSLA:33.3%;GLD:33.3%,US:78.8;EU:8.8;APAC:7.4;EM:3.9;Other:1.2,Value:-0.7;Growth:+0.7;Quality:-0.9;Size:+0.5;Momentum:-0.7;LowVol:-0.2,MaxPos7%;NoDerivatives,10,30,4.5,trailing 8%,218,26.0,Bear,32.6,4.3,1.5,176,-82,18,84,true,Rebalance,Rebalance back to target bands,23,-15,BrokerA,VWAP,85,VAR>budget,Hedge,Risk above budget threshold,81,-53,167,5,false,Within IPS guidelines
P3005,Active,Roth,USD,2024-09-10,2423561,209552,2214009,1.0,63.8,20.5,9.1,6.6,VNQ:16.5%;AAPL:18.1%;TLT:17.5%;QQQ:14.3%;MUB:20.4%;GLD:13.1%,US:64.7;EU:17.6;APAC:7.9;EM:6.4;Other:3.4,Value:+0.4;Growth:-0.1;Quality:+0.7;Size:+0.6;Momentum:+1.0;LowVol:-0.5,,8,30,4.5,hard 12%,185,19.1,Bull,13.3,4.04,3.4,95,97,100,48,false,Rebalance,Shift +1% to bonds from equity,-2,-2,BrokerB,LMT,95,None,None,Normal monitoring,56,-24,137,5,false,Tax-aware sells next window
P3006,Systematic,IRA,USD,2025-02-21,1156900,113775,1043125,1.0,63.2,26.9,0.0,9.9,AAPL:14.7%;TLT:21.6%;IEF:20.1%;VTI:10.4%;GLD:11.6%;VNQ:21.6%,US:63.2;EU:14.6;APAC:10.6;EM:8.5;Other:3.0,Value:-0.4;Growth:-0.3;Quality:+0.3;Size:-0.5;Momentum:+0.1;LowVol:-0.2,,6,30,5.7,trailing 9%,135,21.4,Bull,17.9,3.65,3.4,76,99,100,49,false,Hedge,Add TLT +1% as duration hedge,-15,-27,BrokerD,MKT,96,None,None,Normal monitoring,57,-24,127,5,false,Increase defensive factor exposure
P3007,Active,Roth,USD,2024-10-04,1971965,122619,1849346,1.2,66.7,24.1,1.7,7.5,VTI:33.3%;TSLA:33.3%;VOO:33.3%,US:62.9;EU:7.8;APAC:16.4;EM:11.2;Other:1.7,Value:-0.4;Growth:-0.3;Quality:+0.9;Size:-0.2;Momentum:-0.7;LowVol:+1.0,MaxPos7%,10,30,5.8,trailing 9%,129,20.9,Bull,13.2,3.52,3.0,100,85,90,54,true,Hedge,Buy index puts 1% notional,-15,-32,BrokerC,MKT,98,VAR>budget,Pause,Risk above budget threshold,32,0,87,2,true,Increase defensive factor exposure
P3008,Hands-off,Taxable,USD,2025-11-20,641254,44761,596493,1.0,62.5,21.6,6.9,9.1,BRK.B:33.1%;AAPL:33.4%;MSFT:33.4%,US:64.2;EU:14.7;APAC:13.7;EM:6.1;Other:1.3,Value:-0.9;Growth:-0.4;Quality:0.0;Size:+0.7;Momentum:-0.4;LowVol:-0.4,ESGOnly;MaxPos5%,7,35,5.6,trailing 8%,95,14.3,Volatile,31.2,4.83,2.4,133,79,100,86,true,Reduce,"Cut high-beta by 2-3%, add cash",-1,-35,BrokerB,MKT,85,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-53,-34,70,5,false,Monitor dispersion and breadth
P3009,Active,Roth,USD,2025-02-27,2016207,240637,1775570,1.0,57.0,25.8,7.3,9.9,AMZN:20.6%;VNQ:26.5%;TLT:26.5%;MUB:26.5%,US:69.5;EU:7.5;APAC:13.3;EM:6.2;Other:3.5,Value:+0.3;Growth:-0.2;Quality:+0.5;Size:+0.6;Momentum:+0.5;LowVol:+0.9,MaxPos8%,7,30,4.9,trailing 8%,143,22.5,Volatile,29.6,4.45,2.6,172,77,73,74,true,Hedge,Buy index puts 1% notional,14,11,BrokerB,MKT,96,VAR>budget,Reduce,Risk above budget threshold,64,5,87,5,false,Tighten stops on momentum names
P3010,Opportunistic,Taxable,USD,2024-11-04,476188,30084,446104,1.07,77.5,15.2,0.7,6.6,BRK.B:23.7%;AMZN:23.7%;TSLA:10.0%;XLF:23.7%;VOO:18.9%,US:68.3;EU:6.6;APAC:15.5;EM:5.9;Other:3.7,Value:+0.5;Growth:+0.5;Quality:-1.0;Size:+0.8;Momentum:-0.4;LowVol:-1.0,NoDerivatives,10,25,4.3,trailing 9%,280,27.7,Bull,12.5,4.48,2.1,75,12,56,60,false,Rebalance,Shift +1% to bonds from equity,34,-36,BrokerD,MKT,88,None,None,Normal monitoring,57,-15,25,4,false,Within IPS guidelines
P3011,Systematic,Roth,USD,2025-07-18,1367009,133118,1233891,1.0,61.2,29.9,0.0,8.9,AAPL:15.6%;IEF:16.3%;BRK.B:22.7%;BND:22.7%;XLF:22.7%,US:70.2;EU:6.6;APAC:8.8;EM:12.8;Other:1.6,Value:+0.3;Growth:+0.6;Quality:-0.5;Size:+0.7;Momentum:-0.2;LowVol:-0.2,MaxPos5%,8,30,5.5,hard 12%,170,21.9,Bull,14.1,4.95,2.6,92,117,97,35,false,Sell,Trim extended winner -1%,-12,-23,BrokerB,MKT,96,None,None,Normal monitoring,108,-57,186,3,false,Monitor dispersion and breadth
P3012,Active,Roth,USD,2025-03-10,1074976,96415,978561,1.0,66.6,18.9,7.8,6.7,AAPL:20.7%;XLF:16.4%;MUB:18.4%;HYG:20.7%;GLD:13.3%;VOO:10.6%,US:63.1;EU:17.8;APAC:11.1;EM:7.0;Other:1.1,Value:-0.1;Growth:+0.9;Quality:+0.7;Size:+0.3;Momentum:+0.3;LowVol:+0.6,MaxPos5%,6,30,5.2,hard 12%,206,23.8,Sideways,14.2,3.93,2.3,111,0,43,52,true,Reduce,"Cut high-beta by 2-3%, add cash",8,-4,BrokerD,VWAP,85,RegimeShift,Hedge,Volatility spike and breadth deterioration,-1,-8,-23,3,false,Tax-aware sells next window
P3013,Opportunistic,Trust,USD,2025-12-25,1395468,111707,1283761,1.22,71.9,16.0,6.8,5.2,XLF:33.3%;VOO:33.3%;IEF:33.3%,US:74.0;EU:8.1;APAC:12.0;EM:4.6;Other:1.3,Value:-0.4;Growth:-0.9;Quality:-0.3;Size:0.0;Momentum:-0.2;LowVol:+0.5,,7,30,4.8,trailing 7%,222,20.9,Bull,11.4,3.51,3.0,93,55,71,47,true,Reduce,"Cut high-beta by 2-3%, add cash",21,-35,BrokerC,MKT,88,Drift>tolerance,Pause,Allocation drift beyond policy bands,-30,-23,13,4,true,Increase defensive factor exposure
P3014,Active,Roth,USD,2024-12-24,678778,77315,601463,1.0,50.4,26.6,16.1,6.8,IEF:27.2%;VOO:24.5%;MSFT:21.2%;VTI:27.2%,US:68.0;EU:12.3;APAC:7.2;EM:11.0;Other:1.4,Value:-0.8;Growth:+0.6;Quality:-0.5;Size:+0.9;Momentum:+1.0;LowVol:+0.7,MaxPos8%,8,30,5.4,hard 12%,215,16.7,Bear,33.0,3.76,2.8,209,-62,26,70,false,Buy,Add to core equity +1%,34,-36,BrokerC,MKT,86,None,None,Normal monitoring,-50,-51,-9,4,false,Monitor dispersion and breadth
P3015,Systematic,Trust,USD,2025-12-15,1642429,159123,1483306,1.0,57.9,29.5,4.2,8.5,QQQ:11.3%;XLF:20.4%;BRK.B:20.4%;VNQ:13.1%;TLT:17.6%;MSFT:17.1%,US:65.1;EU:11.4;APAC:13.0;EM:9.7;Other:0.8,Value:+0.5;Growth:-0.9;Quality:+0.7;Size:+0.6;Momentum:+0.1;LowVol:+0.3,,5,30,5.8,trailing 9%,190,27.0,Volatile,22.1,4.14,3.4,143,-58,15,51,false,Sell,Trim extended winner -1%,14,-30,BrokerB,LMT,100,None,None,Normal monitoring,22,-26,-13,5,false,Within IPS guidelines
P3016,Opportunistic,Trust,USD,2024-07-07,1380913,64435,1316478,1.0,68.1,20.0,4.5,7.4,TSLA:25.5%;GLD:25.5%;BRK.B:10.1%;VTI:13.4%;MUB:25.5%,US:63.7;EU:8.9;APAC:13.5;EM:10.8;Other:3.1,Value:-0.6;Growth:-0.8;Quality:+0.4;Size:+0.3;Momentum:+0.8;LowVol:+0.2,,8,30,6.1,hard 12%,270,27.3,Volatile,23.5,4.9,4.0,165,-18,54,64,false,Rebalance,Shift +1% to bonds from equity,-3,-39,BrokerD,VWAP,88,None,None,Normal monitoring,-9,-38,56,3,false,Within IPS guidelines
P3017,Active,Trust,USD,2025-07-22,2377901,202112,2175789,1.0,52.5,32.0,9.4,6.2,BRK.B:38.6%;AMZN:22.8%;TLT:38.6%,US:69.3;EU:6.6;APAC:6.5;EM:14.3;Other:3.3,Value:+0.5;Growth:+0.3;Quality:+0.8;Size:-0.7;Momentum:+0.1;LowVol:-0.7,,6,35,4.8,trailing 9%,188,23.8,Bear,26.9,4.46,1.4,198,-65,6,57,false,Buy,Add to core equity +1%,12,-31,BrokerD,MKT,97,None,None,Normal monitoring,-1,10,57,3,false,Tighten stops on momentum names
P3018,Hands-off,Taxable,USD,2025-07-27,619914,47286,572628,1.0,69.7,21.0,0.0,9.3,TSLA:33.3%;HYG:33.3%;MSFT:33.3%,US:68.9;EU:15.5;APAC:6.9;EM:8.1;Other:0.6,Value:+0.5;Growth:+0.1;Quality:+0.7;Size:0.0;Momentum:+0.7;LowVol:-0.8,MaxPos5%,8,30,3.4,trailing 8%,109,16.4,Volatile,28.3,4.03,2.1,131,10,46,80,true,Hedge,Buy index puts 1% notional,0,-26,BrokerD,VWAP,97,RegimeShift,Reduce,Volatility spike and breadth deterioration,108,14,225,4,true,Within IPS guidelines
P3019,Opportunistic,Roth,USD,2025-03-06,364645,15597,349048,1.0,67.9,13.9,13.3,4.9,QQQ:20.5%;VTI:22.0%;MSFT:13.6%;TLT:14.8%;AMZN:7.1%;BND:22.0%,US:70.6;EU:7.9;APAC:9.0;EM:11.9;Other:0.6,Value:-0.6;Growth:-0.7;Quality:-0.4;Size:-0.5;Momentum:-0.7;LowVol:+0.1,MaxPos5%,10,25,6.2,hard 12%,160,33.0,Bull,12.1,4.66,2.4,91,46,85,35,false,Sell,Trim extended winner -1%,23,-18,BrokerD,LMT,91,None,None,Normal monitoring,-60,-20,-53,5,false,Increase defensive factor exposure
P3020,Systematic,Roth,USD,2025-07-28,884243,72349,811894,1.0,62.5,32.3,0.0,5.2,MUB:27.7%;GLD:36.2%;TLT:36.2%,US:66.1;EU:15.2;APAC:9.7;EM:8.2;Other:0.8,Value:+0.8;Growth:+0.3;Quality:+0.5;Size:+0.5;Momentum:+0.1;LowVol:-0.3,MaxPos7%;NoDerivatives,6,35,5.6,trailing 8%,182,18.7,Bear,26.7,4.37,2.2,132,-40,36,71,true,Rebalance,Rebalance back to target bands,0,-31,BrokerD,VWAP,96,Drift>tolerance,Reduce,Allocation drift beyond policy bands,8,3,130,2,false,Monitor dispersion and breadth
P3021,Active,Trust,USD,2025-07-11,2442198,257980,2184218,1.0,64.7,18.9,7.2,9.3,XLF:25.6%;AAPL:25.6%;HYG:9.6%;GLD:22.0%;TLT:17.2%,US:65.6;EU:15.5;APAC:11.9;EM:5.4;Other:1.5,Value:+0.6;Growth:+0.3;Quality:0.0;Size:-0.7;Momentum:-0.3;LowVol:-0.8,NoDerivatives,7,35,5.9,trailing 8%,211,24.6,Volatile,23.8,5.11,3.9,158,22,76,62,false,Buy,Add to core equity +1%,31,-29,BrokerB,MKT,97,None,None,Normal monitoring,87,-55,80,5,false,Monitor dispersion and breadth
P3022,Cautious,401k,USD,2024-08-16,272696,41416,231280,1.0,40.7,34.5,8.1,16.6,BND:23.3%;VOO:19.6%;TSLA:18.7%;AAPL:20.1%;MSFT:18.3%,US:71.4;EU:8.3;APAC:10.2;EM:9.8;Other:0.3,Value:+0.8;Growth:+0.3;Quality:+0.9;Size:-0.8;Momentum:-0.8;LowVol:-0.8,ESGOnly;MaxPos7%;NoMargin,6,35,4.1,trailing 8%,107,15.4,Volatile,20.7,4.07,2.8,131,-44,15,54,false,Buy,Add to core equity +1%,4,-13,BrokerD,MKT,91,None,None,Normal monitoring,106,-29,145,3,false,Monitor dispersion and breadth
P3023,Opportunistic,Taxable,USD,2025-05-06,1799713,105508,1694205,1.0,76.6,15.2,0.0,8.3,VTI:20.7%;BRK.B:23.5%;MSFT:18.7%;GLD:23.5%;TLT:13.6%,US:68.5;EU:6.9;APAC:15.2;EM:8.3;Other:1.1,Value:-0.3;Growth:+0.6;Quality:-0.7;Size:-0.7;Momentum:-0.2;LowVol:-0.8,MaxPos7%;NoDerivatives,6,30,4.6,trailing 7%,171,30.0,Bull,16.0,4.55,2.4,99,25,68,67,true,Hedge,Buy index puts 1% notional,4,9,BrokerA,VWAP,97,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-28,-22,-29,4,false,Tighten stops on momentum names
P3024,Opportunistic,401k,USD,2025-06-02,1269824,42328,1227496,1.0,77.4,16.6,1.6,4.4,VOO:11.7%;MUB:22.1%;AAPL:21.9%;QQQ:22.1%;VNQ:22.1%,US:67.0;EU:17.3;APAC:6.6;EM:7.7;Other:1.5,Value:-0.5;Growth:-0.1;Quality:-0.4;Size:-0.3;Momentum:+0.5;LowVol:+0.7,,8,25,6.8,trailing 7%,269,25.5,Volatile,25.0,4.53,2.6,164,62,75,78,true,Rebalance,Rebalance back to target bands,9,-6,BrokerA,LMT,98,RegimeShift,Hedge,Volatility spike and breadth deterioration,-50,-28,56,3,true,Tax-aware sells next window
P3025,Opportunistic,IRA,USD,2025-08-27,451481,20986,430495,1.17,74.4,13.2,8.1,4.3,GLD:15.5%;BND:6.9%;XLF:20.6%;IEF:20.6%;AMZN:19.6%;MSFT:16.9%,US:64.0;EU:11.7;APAC:12.6;EM:11.2;Other:0.5,Value:+1.0;Growth:+0.8;Quality:+0.7;Size:-0.2;Momentum:0.0;LowVol:+0.6,MaxPos8%,5,35,5.8,trailing 7%,174,31.8,Bull,17.0,4.3,2.9,90,98,97,48,false,Rebalance,Shift +1% to bonds from equity,-12,-16,BrokerC,MKT,96,None,None,Normal monitoring,14,2,53,4,false,Tighten stops on momentum names
P3026,Systematic,401k,USD,2024-10-24,784325,50996,733329,1.0,55.4,26.2,10.8,7.6,VTI:33.3%;MSFT:33.3%;BND:33.3%,US:65.4;EU:14.8;APAC:12.2;EM:6.7;Other:0.9,Value:+0.9;Growth:-0.5;Quality:-0.1;Size:+0.4;Momentum:-0.6;LowVol:+0.3,MaxPos5%;NoDerivatives,6,30,5.5,trailing 9%,128,24.6,Volatile,27.0,3.99,2.1,165,77,81,67,false,Sell,Trim extended winner -1%,-4,-3,BrokerD,MKT,85,None,None,Normal monitoring,-13,8,107,4,false,Increase defensive factor exposure
P3027,Active,401k,USD,2024-10-30,2078317,159649,1918668,1.0,60.6,26.3,3.7,9.4,HYG:20.0%;TLT:27.3%;GLD:27.3%;VNQ:25.4%,US:60.8;EU:16.0;APAC:11.8;EM:6.8;Other:4.6,Value:-0.3;Growth:-0.8;Quality:-0.0;Size:-0.0;Momentum:-0.3;LowVol:-0.3,MaxPos7%,6,30,4.5,trailing 8%,121,17.9,Bull,14.7,3.63,3.3,88,28,79,49,false,Hedge,Add TLT +1% as duration hedge,2,-27,BrokerD,VWAP,96,None,None,Normal monitoring,48,-21,186,4,false,Monitor dispersion and breadth
P3028,Systematic,Roth,USD,2025-02-13,1223054,93725,1129329,1.0,62.6,28.5,3.1,5.8,GLD:33.3%;TLT:33.3%;VTI:33.3%,US:77.0;EU:9.7;APAC:5.8;EM:3.1;Other:4.4,Value:-0.4;Growth:0.0;Quality:+0.5;Size:-0.2;Momentum:-0.2;LowVol:+0.5,MaxPos5%,5,25,4.7,trailing 9%,197,24.9,Bull,12.8,4.44,2.2,94,24,48,45,true,Hedge,Buy index puts 1% notional,-4,-10,BrokerD,MKT,99,VAR>budget,Reduce,Risk above budget threshold,46,-39,119,5,false,Tighten stops on momentum names
P3029,Opportunistic,IRA,USD,2025-07-18,698629,31999,666630,1.0,61.3,13.6,18.6,6.5,XLF:19.4%;BND:21.2%;GLD:21.2%;IEF:21.2%;QQQ:16.9%,US:62.4;EU:21.0;APAC:8.5;EM:4.7;Other:3.5,Value:-0.6;Growth:+0.9;Quality:-0.1;Size:-0.9;Momentum:-0.6;LowVol:-0.7,NoDerivatives,10,25,4.6,trailing 9%,205,28.3,Volatile,21.6,4.6,3.9,146,-28,22,58,false,Rebalance,Shift +1% to bonds from equity,14,-19,BrokerB,LMT,90,None,None,Normal monitoring,55,-3,71,3,false,Tighten stops on momentum names
P3030,Active,IRA,USD,2024-09-02,1255281,93580,1161701,1.0,66.2,19.1,5.5,9.3,MUB:15.2%;TSLA:22.2%;IEF:22.2%;MSFT:11.7%;VNQ:12.8%;BND:16.0%,US:72.4;EU:8.8;APAC:11.5;EM:4.5;Other:2.8,Value:+0.7;Growth:-0.0;Quality:-0.4;Size:+0.3;Momentum:+0.6;LowVol:-0.6,,10,30,5.1,hard 12%,154,16.9,Bear,25.0,4.27,2.3,203,12,42,77,true,Rebalance,Rebalance back to target bands,25,-14,BrokerD,MKT,93,VAR>budget,Hedge,Risk above budget threshold,49,-3,55,4,false,Tax-aware sells next window
P3031,Hands-off,Taxable,USD,2024-11-25,400198,26444,373754,1.0,56.2,29.1,9.6,5.1,IEF:10.8%;BRK.B:22.6%;GLD:22.6%;VNQ:8.2%;TLT:13.0%;XLF:22.6%,US:70.0;EU:14.0;APAC:7.2;EM:5.4;Other:3.5,Value:+0.3;Growth:-0.6;Quality:+0.9;Size:+0.1;Momentum:-0.1;LowVol:-0.9,,8,25,3.5,trailing 10%,169,16.0,Bull,15.1,4.87,3.2,111,54,76,48,false,Sell,Trim extended winner -1%,0,-27,BrokerB,LMT,90,None,None,Normal monitoring,9,11,6,5,false,Tighten stops on momentum names
P3032,Hands-off,IRA,USD,2025-04-03,798778,44034,754744,1.0,59.6,22.4,11.5,6.5,BND:21.8%;TSLA:10.2%;AAPL:11.8%;GLD:13.2%;VNQ:21.8%;VOO:21.3%,US:65.1;EU:16.9;APAC:12.4;EM:4.2;Other:1.5,Value:+0.2;Growth:+0.7;Quality:-0.0;Size:+0.9;Momentum:+0.7;LowVol:-0.2,MaxPos6%,10,25,5.8,trailing 8%,163,13.0,Volatile,26.6,3.83,3.4,116,68,97,62,false,Sell,Trim extended winner -1%,-13,-15,BrokerC,LMT,95,None,None,Normal monitoring,91,-8,56,3,false,Monitor dispersion and breadth
P3033,Hands-off,401k,USD,2025-06-22,289115,12239,276876,1.0,70.1,17.8,2.9,9.2,GLD:26.1%;HYG:26.1%;AAPL:26.1%;AMZN:21.7%,US:66.8;EU:16.9;APAC:7.0;EM:5.4;Other:3.9,Value:+0.3;Growth:+0.4;Quality:-0.9;Size:+0.2;Momentum:-0.5;LowVol:-1.0,,10,35,3.6,hard 10%,151,16.4,Sideways,18.6,3.95,2.7,108,15,44,62,false,Rebalance,Shift +1% to bonds from equity,31,-22,BrokerA,LMT,88,None,None,Normal monitoring,0,-2,-23,4,false,Within IPS guidelines
P3034,Cautious,IRA,USD,2025-04-11,362919,33172,329747,1.0,44.5,39.9,0.0,15.6,MSFT:24.8%;AAPL:14.0%;HYG:24.8%;BND:24.8%;AMZN:11.5%,US:62.0;EU:14.4;APAC:12.3;EM:7.4;Other:3.9,Value:-0.2;Growth:+0.8;Quality:-0.4;Size:+0.6;Momentum:-0.3;LowVol:-0.6,ESGOnly;NoMargin,5,25,4.4,hard 10%,91,16.3,Volatile,30.0,3.84,3.4,146,35,64,56,true,Rebalance,Rebalance back to target bands,14,-8,BrokerA,MKT,97,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-25,-34,-39,2,false,Monitor dispersion and breadth
P3035,Systematic,Taxable,USD,2025-03-17,575475,42910,532565,1.0,55.6,29.6,6.3,8.4,VOO:25.8%;HYG:25.8%;MSFT:22.6%;VNQ:25.8%,US:61.7;EU:15.9;APAC:11.9;EM:8.5;Other:1.9,Value:-0.8;Growth:-0.9;Quality:+0.1;Size:-0.6;Momentum:0.0;LowVol:-0.8,,10,25,4.1,hard 12%,125,24.0,Bull,17.2,4.64,3.2,119,7,51,47,false,Rebalance,Shift +1% to bonds from equity,18,-34,BrokerA,LMT,85,None,None,Normal monitoring,9,-19,-14,4,false,Tighten stops on momentum names
P3036,Opportunistic,401k,USD,2025-10-09,313970,21515,292455,1.0,64.6,18.6,8.1,8.7,GLD:27.9%;AAPL:26.5%;BRK.B:27.9%;BND:17.8%,US:64.2;EU:16.6;APAC:9.9;EM:6.6;Other:2.6,Value:-0.6;Growth:-0.5;Quality:+0.6;Size:+0.7;Momentum:-0.5;LowVol:+0.1,,5,30,6.5,hard 12%,171,24.9,Sideways,20.9,4.03,2.9,111,-13,49,61,false,Buy,Add to core equity +1%,-7,-31,BrokerD,VWAP,92,None,None,Normal monitoring,93,-46,192,3,false,Tax-aware sells next window
P3037,Active,Roth,USD,2024-12-03,1315839,116111,1199728,1.0,52.2,23.4,16.2,8.2,TSLA:14.6%;IEF:9.2%;TLT:18.3%;VOO:15.3%;VTI:21.3%;BRK.B:21.3%,US:65.7;EU:16.4;APAC:6.6;EM:8.6;Other:2.7,Value:-0.1;Growth:-1.0;Quality:-0.1;Size:-0.3;Momentum:+0.3;LowVol:+0.3,NoDerivatives,10,30,4.7,trailing 8%,213,19.1,Volatile,29.0,3.75,3.9,114,-16,56,71,true,Reduce,"Cut high-beta by 2-3%, add cash",14,6,BrokerD,MKT,87,VAR>budget,Reduce,Risk above budget threshold,8,13,-12,5,false,Tighten stops on momentum names
P3038,Cautious,Taxable,USD,2024-09-23,720119,99340,620779,1.0,35.3,39.6,7.3,17.8,HYG:26.7%;AAPL:26.7%;AMZN:20.0%;VTI:26.7%,US:74.0;EU:9.6;APAC:6.5;EM:7.2;Other:2.6,Value:+0.2;Growth:+0.7;Quality:+0.5;Size:+0.1;Momentum:+0.5;LowVol:-0.7,NoMargin,7,35,4.7,trailing 8%,166,14.3,Volatile,30.8,3.6,3.9,169,28,70,53,false,Buy,Add to core equity +1%,-3,-31,BrokerD,MKT,90,None,None,Normal monitoring,-59,-26,-32,3,false,Increase defensive factor exposure
P3039,Cautious,IRA,USD,2025-02-22,476972,46107,430865,1.0,51.6,34.5,0.0,14.0,HYG:21.3%;TLT:20.5%;VTI:15.6%;BND:21.3%;TSLA:21.3%,US:58.9;EU:19.7;APAC:10.5;EM:6.6;Other:4.2,Value:+0.5;Growth:-0.7;Quality:-0.1;Size:+0.5;Momentum:-0.8;LowVol:-0.4,NoDerivatives;NoMargin,6,30,4.7,trailing 10%,140,18.1,Bull,17.6,4.74,3.0,75,4,50,38,false,Buy,Add to core equity +1%,34,-30,BrokerB,LMT,86,None,None,Normal monitoring,120,-15,108,4,false,Within IPS guidelines
P3040,Cautious,Trust,USD,2025-02-11,514643,57913,456730,1.0,52.2,37.7,0.0,10.1,TSLA:34.7%;AMZN:30.7%;GLD:34.7%,US:73.5;EU:6.0;APAC:8.6;EM:11.2;Other:0.8,Value:-0.4;Growth:-0.3;Quality:+0.3;Size:+0.6;Momentum:-0.3;LowVol:+0.3,ESGOnly;NoMargin,10,35,5.7,trailing 8%,93,17.2,Volatile,24.4,4.7,2.1,132,8,61,61,false,Rebalance,Shift +1% to bonds from equity,11,-25,BrokerA,MKT,86,None,None,Normal monitoring,86,-33,209,4,false,Tax-aware sells next window
P3041,Cautious,IRA,USD,2025-03-08,768374,105283,663091,1.0,40.9,36.3,8.8,14.0,TLT:23.5%;XLF:16.4%;VTI:13.3%;TSLA:23.5%;IEF:23.5%,US:73.1;EU:7.6;APAC:13.2;EM:4.8;Other:1.3,Value:+1.0;Growth:-1.0;Quality:-0.3;Size:-0.3;Momentum:-0.8;LowVol:-0.4,MaxPos8%;NoMargin,5,30,3.2,hard 10%,165,19.4,Volatile,20.4,5.2,2.2,150,56,64,37,false,Sell,Trim extended winner -1%,27,2,BrokerC,VWAP,86,None,None,Normal monitoring,-51,10,-27,4,false,Increase defensive factor exposure
P3042,Opportunistic,401k,USD,2024-12-31,347243,27183,320060,1.13,71.4,21.5,3.1,4.1,BRK.B:20.0%;BND:16.8%;TSLA:24.3%;TLT:14.5%;VNQ:24.3%,US:62.0;EU:17.7;APAC:9.9;EM:5.3;Other:5.1,Value:-0.6;Growth:-0.1;Quality:-1.0;Size:+0.5;Momentum:+0.5;LowVol:+0.9,MaxPos6%,8,25,5.7,hard 12%,205,34.1,Bull,16.0,4.8,2.1,78,46,72,61,false,Rebalance,Shift +1% to bonds from equity,27,-7,BrokerD,MKT,100,None,None,Normal monitoring,-53,-13,-4,4,false,Within IPS guidelines
P3043,Cautious,IRA,USD,2025-05-24,633156,81936,551220,1.0,47.6,36.5,1.8,14.0,VTI:33.3%;VNQ:33.3%;AAPL:33.3%,US:60.0;EU:16.8;APAC:10.6;EM:8.8;Other:3.8,Value:-0.2;Growth:+0.8;Quality:+0.7;Size:+0.4;Momentum:-0.2;LowVol:+0.3,NoMargin,10,25,3.2,trailing 8%,141,15.0,Sideways,14.8,3.69,2.9,111,-25,38,48,false,Sell,Trim extended winner -1%,-10,1,BrokerA,MKT,94,None,None,Normal monitoring,-28,-52,93,4,false,Within IPS guidelines
P3044,Opportunistic,Roth,USD,2025-01-18,618132,43931,574201,1.0,60.8,11.2,19.3,8.7,VTI:25.0%;QQQ:25.0%;XLF:25.0%;GLD:25.0%,US:64.8;EU:12.1;APAC:9.2;EM:11.3;Other:2.6,Value:-0.8;Growth:+1.0;Quality:-0.9;Size:+0.2;Momentum:+0.1;LowVol:+0.7,,7,30,4.1,trailing 9%,226,20.4,Sideways,16.7,4.22,2.5,123,10,52,43,false,Buy,Add to core equity +1%,20,-13,BrokerB,LMT,87,None,None,Normal monitoring,2,-7,135,3,false,Monitor dispersion and breadth
P3045,Opportunistic,401k,USD,2025-09-24,413887,21196,392691,1.0,62.4,13.8,15.9,7.9,IEF:21.7%;VNQ:26.1%;GLD:26.1%;VOO:26.1%,US:74.3;EU:8.0;APAC:10.9;EM:6.5;Other:0.4,Value:-0.7;Growth:+0.6;Quality:-0.5;Size:-0.7;Momentum:+0.7;LowVol:+0.2,,10,30,5.7,trailing 7%,207,30.4,Volatile,20.0,3.71,3.3,158,39,57,63,false,Buy,Add to core equity +1%,6,-30,BrokerC,LMT,95,None,None,Normal monitoring,75,14,57,4,false,Tighten stops on momentum names
P3046,Opportunistic,Roth,USD,2025-11-05,1118837,42008,1076829,1.0,70.7,16.7,6.2,6.5,MSFT:23.0%;TSLA:17.6%;AAPL:23.0%;XLF:13.6%;BRK.B:23.0%,US:63.3;EU:7.5;APAC:13.7;EM:11.6;Other:3.9,Value:-0.9;Growth:+0.3;Quality:+0.1;Size:-0.8;Momentum:-0.5;LowVol:-0.8,MaxPos6%,8,30,6.9,trailing 7%,213,25.4,Volatile,25.1,4.18,3.6,166,-7,37,66,true,Hedge,Buy index puts 1% notional,-13,-35,BrokerB,LMT,93,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-27,15,-27,4,false,Tax-aware sells next window
P3047,Hands-off,IRA,USD,2025-05-05,864075,56891,807184,1.0,72.6,21.3,0.0,6.1,AMZN:19.5%;TSLA:23.8%;QQQ:23.8%;VNQ:21.8%;BRK.B:11.2%,US:55.3;EU:19.7;APAC:13.5;EM:10.3;Other:1.1,Value:+0.4;Growth:+0.6;Quality:+0.9;Size:+0.4;Momentum:+1.0;LowVol:-0.9,MaxPos6%;NoDerivatives,7,35,4.6,hard 10%,110,12.7,Bull,14.3,4.51,3.3,83,118,100,52,false,NoAction,Within bands; monitor,27,-11,BrokerB,MKT,0,None,None,Normal monitoring,105,-2,134,3,false,Monitor dispersion and breadth
P3048,Hands-off,Roth,USD,2025-11-12,478232,25628,452604,1.0,74.1,18.5,1.2,6.2,BND:24.0%;XLF:24.0%;AAPL:24.0%;BRK.B:13.0%;TSLA:15.1%,US:67.5;EU:11.3;APAC:8.1;EM:11.3;Other:1.7,Value:-0.5;Growth:+0.4;Quality:-0.3;Size:+0.2;Momentum:+0.8;LowVol:-0.9,ESGOnly,5,25,3.4,trailing 8%,129,15.1,Bear,34.9,3.91,2.3,166,-109,5,90,true,Hedge,Buy index puts 1% notional,-13,-24,BrokerD,MKT,98,Drift>tolerance,Reduce,Allocation drift beyond policy bands,28,-59,61,3,false,Increase defensive factor exposure
P3049,Opportunistic,Roth,USD,2025-02-18,1760353,56292,1704061,1.0,69.2,13.5,11.7,5.6,VNQ:15.8%;MSFT:16.5%;AAPL:15.6%;HYG:12.0%;VOO:19.6%;XLF:20.6%,US:69.5;EU:10.4;APAC:10.8;EM:8.2;Other:1.1,Value:-0.3;Growth:-0.1;Quality:-0.7;Size:-0.4;Momentum:+0.1;LowVol:0.0,,7,25,4.3,trailing 9%,280,33.1,Bull,16.2,4.04,2.8,101,86,84,44,false,Buy,Add to core equity +1%,16,-4,BrokerA,VWAP,94,None,None,Normal monitoring,3,-42,47,4,false,Increase defensive factor exposure
P3050,Cautious,Roth,USD,2024-09-26,259919,34392,225527,1.0,38.3,38.2,10.4,13.1,VNQ:19.4%;TLT:21.5%;MUB:14.9%;VTI:22.1%;HYG:22.1%,US:66.6;EU:15.0;APAC:8.5;EM:8.0;Other:1.9,Value:+0.7;Growth:+0.8;Quality:+0.5;Size:+0.6;Momentum:-0.1;LowVol:+0.3,MaxPos5%;NoMargin,6,35,3.4,hard 10%,135,16.9,Volatile,30.7,3.62,2.2,119,-41,29,55,false,Rebalance,Shift +1% to bonds from equity,12,-15,BrokerA,VWAP,96,None,None,Normal monitoring,-1,10,28,3,false,Monitor dispersion and breadth
P3051,Cautious,IRA,USD,2025-06-29,775911,106673,669238,1.0,37.2,41.7,3.9,17.2,MSFT:25.0%;IEF:25.0%;VOO:25.0%;GLD:25.0%,US:65.2;EU:14.4;APAC:11.9;EM:6.3;Other:2.3,Value:-0.3;Growth:-0.1;Quality:-0.8;Size:+0.3;Momentum:-0.6;LowVol:0.0,MaxPos5%;NoMargin,5,25,5.9,trailing 8%,126,13.6,Bull,11.5,4.87,3.2,89,9,63,31,false,Rebalance,Shift +1% to bonds from equity,14,9,BrokerD,LMT,98,None,None,Normal monitoring,107,3,218,4,false,Tax-aware sells next window
P3052,Hands-off,IRA,USD,2025-01-24,771341,42899,728442,1.0,73.9,16.7,1.4,8.0,VOO:24.4%;BND:13.0%;AMZN:24.4%;AAPL:21.4%;BRK.B:16.8%,US:72.5;EU:9.2;APAC:5.9;EM:11.3;Other:1.0,Value:-0.9;Growth:+0.5;Quality:+0.8;Size:-0.4;Momentum:+0.4;LowVol:-0.6,ESGOnly,10,25,4.8,trailing 8%,92,15.9,Bear,24.0,3.22,1.1,169,-100,5,67,false,Buy,Add to core equity +1%,-7,0,BrokerA,LMT,92,None,None,Normal monitoring,19,-57,51,4,false,Increase defensive factor exposure
P3053,Hands-off,401k,USD,2025-03-08,189601,11185,178416,1.0,65.7,23.4,3.1,7.8,GLD:26.9%;AAPL:19.3%;BND:26.9%;QQQ:26.9%,US:70.8;EU:13.7;APAC:4.7;EM:10.8;Other:0.0,Value:-0.1;Growth:-0.4;Quality:-0.8;Size:-0.6;Momentum:-0.0;LowVol:-0.3,ESGOnly;MaxPos5%,10,25,5.3,trailing 8%,123,17.5,Sideways,17.5,3.64,2.9,96,-28,37,54,false,Hedge,Add TLT +1% as duration hedge,-8,-39,BrokerB,MKT,99,None,None,Normal monitoring,107,-2,104,5,false,Tax-aware sells next window
P3054,Active,Trust,USD,2025-05-09,2233153,182222,2050931,1.0,52.4,23.5,15.8,8.2,TSLA:12.7%;XLF:8.4%;GLD:11.7%;VTI:23.3%;IEF:20.5%;VNQ:23.3%,US:52.3;EU:19.1;APAC:14.0;EM:11.1;Other:3.5,Value:-0.5;Growth:0.0;Quality:-0.2;Size:-0.8;Momentum:+0.8;LowVol:-0.8,NoDerivatives,5,25,5.7,trailing 8%,190,26.5,Volatile,24.4,4.93,2.2,158,-31,32,68,false,Rebalance,Shift +1% to bonds from equity,15,-36,BrokerA,VWAP,99,None,None,Normal monitoring,104,-30,221,5,false,Monitor dispersion and breadth
P3055,Cautious,IRA,USD,2024-09-17,345380,46507,298873,1.0,35.6,41.3,7.9,15.1,AAPL:27.9%;GLD:27.9%;VOO:21.0%;MSFT:23.2%,US:67.0;EU:16.9;APAC:6.3;EM:6.1;Other:3.7,Value:+0.2;Growth:-0.4;Quality:-0.2;Size:-0.2;Momentum:-0.7;LowVol:+0.4,NoMargin,7,25,5.9,trailing 10%,145,15.3,Bull,12.4,3.77,3.4,111,26,78,25,false,Rebalance,Shift +1% to bonds from equity,25,-25,BrokerC,LMT,99,None,None,Normal monitoring,87,7,129,5,false,Within IPS guidelines
P3056,Opportunistic,Roth,USD,2025-04-18,730228,41772,688456,1.0,72.6,21.0,0.0,6.5,GLD:17.3%;IEF:9.9%;TSLA:21.3%;MUB:21.3%;MSFT:17.1%;HYG:13.1%,US:72.4;EU:12.7;APAC:6.5;EM:4.8;Other:3.7,Value:+0.4;Growth:+0.6;Quality:-0.4;Size:-0.5;Momentum:+0.5;LowVol:+0.4,MaxPos8%,5,30,4.4,trailing 7%,203,22.8,Bull,16.1,3.89,2.7,87,81,96,56,false,Rebalance,Shift +1% to bonds from equity,32,-36,BrokerC,MKT,94,None,None,Normal monitoring,95,-17,167,3,false,Increase defensive factor exposure
P3057,Systematic,Trust,USD,2025-12-01,912795,84985,827810,1.0,57.4,24.3,10.1,8.2,AMZN:12.6%;MSFT:22.1%;GLD:7.5%;MUB:15.1%;VNQ:20.5%;BRK.B:22.1%,US:69.0;EU:11.4;APAC:11.4;EM:5.8;Other:2.4,Value:-0.1;Growth:-1.0;Quality:-0.4;Size:+0.4;Momentum:-0.5;LowVol:+1.0,,10,25,4.2,trailing 8%,199,24.6,Bull,17.8,4.42,3.2,75,113,100,53,false,Rebalance,Shift +1% to bonds from equity,16,-36,BrokerD,LMT,91,None,None,Normal monitoring,-54,-47,44,4,false,Tighten stops on momentum names
P3058,Systematic,Taxable,USD,2025-06-28,1655494,68252,1587242,1.0,64.1,25.0,4.3,6.6,AAPL:33.3%;AMZN:33.3%;IEF:33.3%,US:74.8;EU:12.2;APAC:7.5;EM:4.0;Other:1.4,Value:+0.6;Growth:-0.4;Quality:+0.9;Size:+0.2;Momentum:-0.9;LowVol:+0.7,MaxPos8%;NoDerivatives,6,25,5.5,hard 12%,192,22.4,Volatile,30.8,3.84,3.3,129,45,69,84,true,Reduce,"Cut high-beta by 2-3%, add cash",30,-18,BrokerB,VWAP,95,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-43,-2,-83,4,false,Increase defensive factor exposure
P3059,Active,Trust,USD,2025-06-30,933382,69811,863571,1.0,59.1,30.4,3.0,7.5,TLT:36.2%;BRK.B:27.7%;MSFT:36.2%,US:66.8;EU:10.8;APAC:15.2;EM:4.7;Other:2.5,Value:-1.0;Growth:-0.8;Quality:-0.7;Size:+0.9;Momentum:-0.9;LowVol:-0.4,MaxPos8%;NoDerivatives,10,30,5.3,hard 12%,159,22.5,Bull,11.5,4.95,2.4,116,103,87,29,false,Buy,Add to core equity +1%,15,6,BrokerD,LMT,91,None,None,Normal monitoring,-2,-16,61,3,false,Tighten stops on momentum names
P3060,Cautious,Roth,USD,2024-08-12,243624,26492,217132,1.0,41.2,40.3,1.8,16.6,HYG:15.3%;TLT:28.2%;VNQ:28.2%;MUB:28.2%,US:62.6;EU:8.8;APAC:15.6;EM:7.8;Other:5.2,Value:+0.1;Growth:+0.1;Quality:-0.9;Size:-0.7;Momentum:+0.7;LowVol:+0.2,MaxPos6%;NoMargin,10,30,5.0,trailing 8%,151,14.5,Sideways,22.0,4.56,3.2,103,35,62,50,false,Rebalance,Shift +1% to bonds from equity,21,-27,BrokerB,LMT,98,None,None,Normal monitoring,69,5,121,4,false,Within IPS guidelines
P3061,Active,Roth,USD,2024-07-17,1104844,88422,1016422,1.0,66.8,19.0,6.3,8.0,VOO:18.5%;MUB:13.4%;VNQ:15.3%;BRK.B:21.2%;AAPL:10.4%;BND:21.2%,US:71.0;EU:8.1;APAC:6.5;EM:8.8;Other:5.8,Value:+0.5;Growth:+0.5;Quality:-0.8;Size:-0.3;Momentum:-0.8;LowVol:-0.3,MaxPos7%,7,30,5.0,trailing 9%,139,18.7,Bull,11.2,4.94,2.9,83,105,87,52,false,Rebalance,Shift +1% to bonds from equity,-15,-7,BrokerB,LMT,90,None,None,Normal monitoring,24,-25,-3,4,false,Within IPS guidelines
P3062,Active,Taxable,USD,2025-03-15,1444782,161516,1283266,1.0,62.0,29.8,1.8,6.4,MSFT:12.2%;TLT:22.4%;QQQ:22.4%;AAPL:22.4%;HYG:20.6%,US:61.1;EU:12.4;APAC:12.8;EM:13.6;Other:0.0,Value:-0.4;Growth:+0.7;Quality:-0.8;Size:+0.7;Momentum:+0.4;LowVol:+0.6,,10,35,4.9,hard 12%,220,27.8,Volatile,31.4,4.92,3.7,115,-9,41,86,true,Hedge,Buy index puts 1% notional,14,-14,BrokerD,LMT,89,RegimeShift,Reduce,Volatility spike and breadth deterioration,-21,-23,92,4,false,Tighten stops on momentum names
P3063,Systematic,Taxable,USD,2024-11-14,976714,46572,930142,1.0,55.8,26.4,11.2,6.6,MSFT:23.7%;VNQ:20.8%;BND:23.7%;GLD:21.1%;HYG:10.8%,US:57.4;EU:15.9;APAC:14.2;EM:11.0;Other:1.4,Value:-0.7;Growth:0.0;Quality:-0.9;Size:+0.8;Momentum:+0.9;LowVol:+0.9,MaxPos6%;NoDerivatives,7,35,4.9,trailing 8%,227,23.9,Bull,17.7,3.72,3.0,112,89,100,50,false,NoAction,Within bands; monitor,-9,-24,BrokerC,LMT,86,None,None,Normal monitoring,10,-48,103,4,false,Increase defensive factor exposure
P3064,Active,Taxable,USD,2025-07-02,1667556,116688,1550868,1.0,61.9,23.0,7.2,7.9,AAPL:35.0%;VNQ:35.0%;MUB:30.1%,US:67.6;EU:15.6;APAC:6.4;EM:8.4;Other:2.0,Value:-0.6;Growth:+1.0;Quality:-0.6;Size:-0.8;Momentum:-0.7;LowVol:+0.5,MaxPos5%,7,30,4.1,hard 12%,132,25.8,Bull,12.4,3.71,2.5,96,42,66,42,false,Hedge,Add TLT +1% as duration hedge,-7,-11,BrokerD,LMT,100,None,None,Normal monitoring,52,16,104,5,false,Monitor dispersion and breadth
P3065,Cautious,401k,USD,2025-07-05,610582,95581,515001,1.0,35.5,34.2,15.2,15.1,VOO:24.6%;VNQ:8.4%;MUB:17.6%;TSLA:24.6%;QQQ:24.6%,US:66.9;EU:8.2;APAC:14.7;EM:6.6;Other:3.6,Value:-0.8;Growth:-0.2;Quality:-0.7;Size:-0.0;Momentum:-0.6;LowVol:-0.9,ESGOnly;NoMargin,10,25,5.2,trailing 8%,114,14.5,Sideways,15.4,4.89,2.5,92,28,69,35,false,Sell,Trim extended winner -1%,7,-15,BrokerB,LMT,89,None,None,Normal monitoring,-8,-5,103,4,false,Increase defensive factor exposure
P3066,Systematic,401k,USD,2025-10-21,1425073,92890,1332183,1.0,63.5,24.1,3.5,9.0,BND:26.6%;QQQ:20.3%;VTI:26.6%;AAPL:26.6%,US:66.0;EU:10.9;APAC:13.6;EM:7.1;Other:2.4,Value:-0.3;Growth:+0.9;Quality:-0.6;Size:+0.3;Momentum:-0.0;LowVol:+0.8,,6,25,4.1,trailing 9%,218,19.9,Bull,12.0,4.46,3.0,94,69,87,50,false,Rebalance,Shift +1% to bonds from equity,14,-37,BrokerB,LMT,88,None,None,Normal monitoring,-25,13,92,3,false,Increase defensive factor exposure
P3067,Cautious,IRA,USD,2024-10-09,199779,28348,171431,1.0,51.4,32.9,1.2,14.6,VOO:25.0%;VNQ:25.0%;TLT:25.0%;AMZN:25.0%,US:67.5;EU:15.0;APAC:10.1;EM:6.5;Other:0.8,Value:-0.9;Growth:+0.8;Quality:+0.3;Size:-0.5;Momentum:0.0;LowVol:-0.9,NoMargin,5,35,3.6,trailing 8%,148,13.5,Volatile,24.3,4.08,2.7,113,42,56,66,false,Buy,Add to core equity +1%,-15,-10,BrokerB,LMT,94,None,None,Normal monitoring,81,-46,83,5,false,Increase defensive factor exposure
P3068,Hands-off,IRA,USD,2025-11-24,395624,29081,366543,1.0,59.1,24.1,8.2,8.7,AAPL:15.2%;HYG:12.8%;MSFT:20.3%;QQQ:16.9%;XLF:17.3%;VTI:17.5%,US:64.3;EU:15.4;APAC:10.4;EM:7.6;Other:2.3,Value:-0.9;Growth:-0.2;Quality:-0.3;Size:+0.1;Momentum:+0.3;LowVol:+0.8,ESGOnly;MaxPos5%,10,25,4.8,hard 10%,163,12.0,Bull,12.8,3.62,2.8,109,63,71,46,false,Sell,Trim extended winner -1%,-1,1,BrokerB,MKT,95,None,None,Normal monitoring,92,-51,140,5,false,Increase defensive factor exposure
P3069,Active,Trust,USD,2024-08-24,1955770,154048,1801722,1.06,67.2,19.9,3.6,9.3,MSFT:33.3%;TLT:33.3%;XLF:33.3%,US:62.8;EU:13.9;APAC:15.1;EM:5.2;Other:3.1,Value:+0.8;Growth:-0.5;Quality:-0.3;Size:+0.3;Momentum:-0.7;LowVol:+0.4,MaxPos8%,7,25,4.4,hard 12%,228,25.6,Volatile,26.5,4.22,3.0,169,35,67,73,true,Hedge,Buy index puts 1% notional,11,-1,BrokerC,MKT,85,Drift>tolerance,Pause,Allocation drift beyond policy bands,4,-54,109,4,false,Tighten stops on momentum names
P3070,Active,Trust,USD,2025-09-18,2211462,256157,1955305,1.0,52.5,26.3,13.1,8.1,XLF:25.0%;VNQ:25.0%;MUB:25.0%;VTI:25.0%,US:72.3;EU:18.1;APAC:5.2;EM:3.6;Other:0.8,Value:+0.8;Growth:-0.8;Quality:-0.4;Size:+0.3;Momentum:-0.8;LowVol:-0.4,MaxPos8%,5,35,4.4,trailing 9%,160,27.1,Bull,17.5,4.71,2.2,109,65,76,55,false,Hedge,Add TLT +1% as duration hedge,-4,-8,BrokerC,LMT,93,None,None,Normal monitoring,11,-7,1,3,false,Tighten stops on momentum names
P3071,Cautious,IRA,USD,2025-04-05,720537,70078,650459,1.0,47.3,38.4,3.8,10.5,VTI:33.3%;TSLA:33.3%;VNQ:33.3%,US:76.1;EU:13.4;APAC:5.0;EM:3.3;Other:2.2,Value:+0.1;Growth:+0.7;Quality:+0.4;Size:-0.3;Momentum:-0.2;LowVol:-0.5,ESGOnly;MaxPos5%;NoMargin,5,30,5.8,trailing 8%,159,14.2,Bull,13.0,3.83,2.7,97,54,90,37,false,Rebalance,Shift +1% to bonds from equity,26,-40,BrokerD,MKT,98,None,None,Normal monitoring,86,-31,159,3,false,Tighten stops on momentum names
P3072,Active,401k,USD,2025-11-26,1680705,199158,1481547,1.0,60.6,20.2,13.2,6.0,MUB:22.3%;XLF:18.6%;AMZN:22.3%;BRK.B:15.4%;VTI:10.9%;GLD:10.5%,US:70.8;EU:5.9;APAC:10.4;EM:11.4;Other:1.5,Value:-0.5;Growth:0.0;Quality:+0.2;Size:-0.4;Momentum:+0.2;LowVol:+0.5,,8,35,5.4,trailing 8%,157,19.8,Volatile,31.7,3.99,2.2,171,27,50,77,true,Hedge,Buy index puts 1% notional,-15,-19,BrokerB,VWAP,90,VAR>budget,Hedge,Risk above budget threshold,-3,1,111,5,false,Tighten stops on momentum names
P3073,Opportunistic,IRA,USD,2025-12-22,443888,21621,422267,1.0,71.3,12.3,10.7,5.7,IEF:21.0%;GLD:21.0%;TLT:8.3%;MUB:20.7%;AMZN:21.0%;MSFT:8.1%,US:72.7;EU:6.5;APAC:8.4;EM:10.3;Other:2.2,Value:-0.9;Growth:-0.2;Quality:-0.4;Size:-0.4;Momentum:+0.2;LowVol:+0.5,,5,30,4.6,trailing 9%,248,28.0,Volatile,30.2,3.94,2.6,157,77,95,88,true,Hedge,Buy index puts 1% notional,5,-18,BrokerD,MKT,91,VAR>budget,Reduce,Risk above budget threshold,48,18,134,2,false,Within IPS guidelines
P3074,Hands-off,Trust,USD,2025-01-19,247742,23995,223747,1.0,69.5,21.7,1.3,7.5,VOO:16.9%;MUB:13.1%;GLD:18.8%;VNQ:17.0%;BND:13.9%;AMZN:20.3%,US:69.2;EU:9.5;APAC:9.5;EM:8.5;Other:3.2,Value:-0.6;Growth:+0.4;Quality:+0.4;Size:+0.7;Momentum:-0.8;LowVol:+0.5,,8,35,3.5,trailing 8%,105,13.6,Sideways,15.3,3.96,3.4,139,49,87,44,false,Hedge,Add TLT +1% as duration hedge,-4,6,BrokerC,MKT,85,None,None,Normal monitoring,10,-47,76,5,false,Within IPS guidelines
P3075,Opportunistic,401k,USD,2025-03-26,633449,19913,613536,1.0,60.8,13.9,18.0,7.4,MUB:33.3%;GLD:33.3%;AAPL:33.3%,US:62.5;EU:16.1;APAC:11.3;EM:9.8;Other:0.4,Value:+0.1;Growth:+1.0;Quality:-0.5;Size:0.0;Momentum:-0.6;LowVol:-0.3,NoDerivatives,6,30,5.1,trailing 7%,202,24.4,Bull,15.7,4.34,3.5,86,95,100,42,true,Rebalance,Rebalance back to target bands,5,-26,BrokerD,LMT,88,VAR>budget,TightenStops,Risk above budget threshold,-19,-27,23,4,false,Tighten stops on momentum names
P3076,Opportunistic,Trust,USD,2025-12-15,1074052,71933,1002119,1.19,64.9,20.5,7.7,6.9,BND:22.5%;HYG:19.7%;TLT:18.9%;VOO:16.5%;VNQ:22.5%,US:56.6;EU:17.8;APAC:14.6;EM:7.8;Other:3.2,Value:-0.0;Growth:+0.7;Quality:+0.6;Size:0.0;Momentum:-0.5;LowVol:+0.6,MaxPos5%,8,30,5.5,trailing 7%,170,27.7,Sideways,17.5,4.12,2.2,92,56,73,60,false,Rebalance,Shift +1% to bonds from equity,1,-33,BrokerD,LMT,88,None,None,Normal monitoring,-52,-19,17,5,false,Tighten stops on momentum names
P3077,Cautious,Trust,USD,2025-11-06,858125,72707,785418,1.0,43.5,40.0,0.0,16.5,XLF:18.3%;GLD:14.9%;TSLA:23.4%;BND:19.9%;VOO:23.4%,US:63.5;EU:18.3;APAC:6.0;EM:7.9;Other:4.3,Value:-0.4;Growth:+0.3;Quality:-0.6;Size:-0.9;Momentum:+0.1;LowVol:-0.5,ESGOnly;MaxPos5%;NoMargin,7,25,4.5,trailing 8%,160,17.4,Volatile,30.2,3.87,2.8,162,22,64,65,false,Sell,Trim extended winner -1%,-4,5,BrokerB,MKT,96,None,None,Normal monitoring,-48,-58,10,5,false,Tax-aware sells next window
P3078,Systematic,IRA,USD,2025-12-02,486276,28197,458079,1.0,66.8,23.5,0.0,9.7,IEF:33.3%;QQQ:33.3%;BND:33.3%,US:64.5;EU:16.1;APAC:6.8;EM:8.4;Other:4.1,Value:+0.5;Growth:-0.0;Quality:-0.8;Size:-0.3;Momentum:-0.3;LowVol:-0.6,MaxPos8%,6,35,5.6,hard 12%,183,24.2,Volatile,23.8,5.06,2.4,159,-36,20,71,true,Reduce,"Cut high-beta by 2-3%, add cash",11,-21,BrokerC,LMT,91,VAR>budget,Reduce,Risk above budget threshold,-12,-53,59,3,false,Within IPS guidelines
P3079,Cautious,IRA,USD,2025-03-06,652211,92161,560050,1.0,42.4,41.9,0.0,15.7,TSLA:17.2%;XLF:24.1%;VNQ:10.5%;IEF:24.1%;MUB:24.1%,US:56.1;EU:16.4;APAC:16.0;EM:6.2;Other:5.4,Value:+0.9;Growth:-0.1;Quality:+0.1;Size:-0.2;Momentum:-0.1;LowVol:-0.0,ESGOnly;NoMargin,10,35,3.8,trailing 8%,170,15.9,Volatile,21.1,5.42,3.2,170,-51,13,56,false,Rebalance,Shift +1% to bonds from equity,-14,-1,BrokerC,MKT,85,None,None,Normal monitoring,115,-34,181,4,false,Monitor dispersion and breadth
P3080,Cautious,401k,USD,2024-10-05,650370,86611,563759,1.0,50.1,37.3,0.0,12.6,GLD:12.2%;BRK.B:12.9%;HYG:10.2%;BND:17.0%;AAPL:23.9%;MSFT:23.9%,US:63.1;EU:18.6;APAC:9.0;EM:5.6;Other:3.7,Value:-0.9;Growth:+1.0;Quality:-0.7;Size:+0.8;Momentum:-0.7;LowVol:+1.0,MaxPos7%;NoMargin,8,25,3.3,trailing 10%,116,19.7,Volatile,29.0,5.11,4.2,120,48,71,77,true,Reduce,"Cut high-beta by 2-3%, add cash",10,-24,BrokerC,VWAP,88,VAR>budget,TightenStops,Risk above budget threshold,-34,-54,100,2,true,Tighten stops on momentum names
P3081,Cautious,IRA,USD,2025-06-23,800596,101151,699445,1.0,43.9,42.2,3.8,10.0,XLF:35.8%;TLT:35.8%;AMZN:28.3%,US:74.9;EU:4.9;APAC:13.2;EM:6.6;Other:0.4,Value:-0.7;Growth:+0.9;Quality:+0.9;Size:+0.5;Momentum:-0.4;LowVol:-0.7,MaxPos5%;NoDerivatives;NoMargin,7,35,5.6,trailing 10%,126,13.3,Volatile,31.0,4.5,2.7,163,-59,14,78,true,Reduce,"Cut high-beta by 2-3%, add cash",2,1,BrokerB,LMT,85,RegimeShift,Hedge,Volatility spike and breadth deterioration,91,-23,96,3,false,Increase defensive factor exposure
P3082,Hands-off,IRA,USD,2024-10-31,299903,18933,280970,1.0,60.0,22.0,11.4,6.6,VOO:29.3%;AAPL:19.2%;BND:22.2%;IEF:29.3%,US:77.8;EU:9.0;APAC:6.4;EM:6.2;Other:0.7,Value:-0.6;Growth:-0.4;Quality:-1.0;Size:+0.8;Momentum:-0.3;LowVol:-0.8,ESGOnly;MaxPos5%,10,35,5.2,trailing 8%,110,14.0,Volatile,21.8,4.39,4.0,153,-16,36,67,false,Buy,Add to core equity +1%,14,-31,BrokerD,LMT,97,None,None,Normal monitoring,-9,-56,125,4,false,Tighten stops on momentum names
P3083,Cautious,IRA,USD,2025-07-12,773621,110372,663249,1.0,53.6,31.4,3.5,11.4,TSLA:24.6%;TLT:11.6%;AAPL:24.6%;VTI:24.6%;VOO:14.7%,US:67.9;EU:16.0;APAC:6.8;EM:8.2;Other:1.0,Value:+0.3;Growth:+0.9;Quality:-0.4;Size:+0.3;Momentum:+0.7;LowVol:-0.9,ESGOnly;MaxPos8%;NoMargin,6,25,5.1,hard 10%,118,18.7,Bear,31.4,3.81,2.7,148,12,42,67,false,Rebalance,Shift +1% to bonds from equity,-10,10,BrokerA,VWAP,85,None,None,Normal monitoring,53,-39,120,4,false,Tax-aware sells next window
P3084,Opportunistic,401k,USD,2025-06-21,987251,50737,936514,1.0,72.3,20.0,0.0,7.7,VTI:25.0%;AAPL:28.0%;BRK.B:28.0%;TSLA:19.1%,US:67.4;EU:10.5;APAC:12.6;EM:8.3;Other:1.3,Value:-0.1;Growth:-0.3;Quality:-0.1;Size:-0.3;Momentum:+0.6;LowVol:-0.5,MaxPos6%,8,30,6.7,hard 12%,261,29.7,Bull,11.3,4.01,2.5,101,13,41,46,false,Rebalance,Shift +1% to bonds from equity,30,6,BrokerC,MKT,93,None,None,Normal monitoring,53,-17,52,3,false,Increase defensive factor exposure
P3085,Hands-off,Trust,USD,2025-10-04,232408,19409,212999,1.0,56.7,26.7,9.7,6.9,QQQ:29.4%;BRK.B:23.8%;MUB:29.4%;GLD:17.4%,US:62.9;EU:19.1;APAC:9.1;EM:6.4;Other:2.5,Value:-0.4;Growth:-0.1;Quality:-0.1;Size:+0.4;Momentum:+0.3;LowVol:-0.9,MaxPos6%,8,30,5.9,hard 10%,92,16.7,Bull,15.5,3.79,2.1,77,3,39,52,false,Sell,Trim extended winner -1%,34,-15,BrokerD,MKT,99,None,None,Normal monitoring,85,-41,189,4,false,Monitor dispersion and breadth
P3086,Active,Roth,USD,2024-08-30,1841885,130634,1711251,1.0,50.0,23.5,21.0,5.5,VTI:28.3%;BND:28.3%;HYG:28.3%;QQQ:15.1%,US:66.7;EU:11.5;APAC:14.2;EM:4.5;Other:3.2,Value:+0.7;Growth:-0.2;Quality:+0.3;Size:-0.4;Momentum:-0.8;LowVol:-0.4,NoDerivatives,10,35,5.2,trailing 9%,226,16.4,Bull,12.7,4.29,3.3,104,116,98,25,false,Rebalance,Shift +1% to bonds from equity,20,-28,BrokerB,MKT,92,None,None,Normal monitoring,3,-6,97,3,false,Within IPS guidelines
P3087,Hands-off,Trust,USD,2025-06-04,831821,83178,748643,1.0,67.3,27.4,0.0,5.3,MSFT:22.6%;QQQ:22.6%;HYG:22.6%;GLD:17.1%;TSLA:15.0%,US:68.1;EU:12.5;APAC:5.1;EM:9.5;Other:4.8,Value:-0.1;Growth:-0.8;Quality:+0.6;Size:-0.4;Momentum:-0.2;LowVol:-0.8,ESGOnly,8,30,4.3,trailing 10%,152,12.6,Bull,16.5,4.18,2.6,99,66,84,63,false,Sell,Trim extended winner -1%,3,-40,BrokerA,MKT,90,None,None,Normal monitoring,28,3,9,4,false,Monitor dispersion and breadth
P3088,Cautious,Trust,USD,2024-12-16,867024,99163,767861,1.0,38.2,42.4,2.8,16.6,BRK.B:11.1%;VTI:23.4%;VOO:18.8%;VNQ:23.4%;GLD:23.4%,US:57.0;EU:19.7;APAC:12.5;EM:6.2;Other:4.6,Value:-0.9;Growth:-0.9;Quality:+0.8;Size:-0.8;Momentum:+0.8;LowVol:+0.9,NoMargin,5,35,3.3,trailing 10%,98,12.7,Bear,22.2,4.46,2.5,147,-112,5,47,false,Sell,Trim extended winner -1%,4,-13,BrokerC,VWAP,95,None,None,Normal monitoring,11,-59,120,5,false,Within IPS guidelines
P3089,Hands-off,Taxable,USD,2025-06-08,480560,29420,451140,1.0,68.7,24.7,0.0,6.6,AAPL:18.9%;TLT:9.5%;TSLA:18.6%;HYG:20.8%;VOO:21.4%;VNQ:10.7%,US:71.0;EU:11.1;APAC:8.4;EM:8.4;Other:1.2,Value:-0.4;Growth:+0.1;Quality:-0.2;Size:-1.0;Momentum:-0.0;LowVol:0.0,MaxPos7%,8,30,5.1,trailing 8%,94,16.5,Bull,13.5,3.94,3.1,103,41,58,50,false,Rebalance,Shift +1% to bonds from equity,11,-19,BrokerB,LMT,99,None,None,Normal monitoring,64,-6,90,3,false,Monitor dispersion and breadth
P3090,Cautious,Roth,USD,2024-08-29,672978,95995,576983,1.0,41.0,30.3,12.1,16.7,QQQ:21.7%;GLD:20.7%;TSLA:11.7%;AAPL:12.4%;IEF:21.7%;XLF:11.7%,US:75.5;EU:6.4;APAC:14.1;EM:3.9;Other:0.2,Value:+0.8;Growth:-0.8;Quality:-0.1;Size:+0.4;Momentum:+0.8;LowVol:+0.9,NoMargin,5,35,3.7,hard 10%,96,14.6,Bull,14.6,3.94,2.8,98,25,60,34,false,Rebalance,Shift +1% to bonds from equity,18,-30,BrokerC,VWAP,86,None,None,Normal monitoring,37,-28,166,4,false,Tighten stops on momentum names
P3091,Opportunistic,Trust,USD,2024-08-18,659287,58947,600340,1.0,60.3,15.0,16.8,7.9,MSFT:23.2%;BND:13.5%;VOO:23.2%;GLD:19.7%;BRK.B:20.4%,US:61.1;EU:17.8;APAC:9.4;EM:8.4;Other:3.2,Value:-0.4;Growth:+0.6;Quality:-0.1;Size:+0.7;Momentum:-0.5;LowVol:-0.8,,10,30,6.3,hard 12%,180,28.4,Volatile,25.6,4.4,2.7,176,43,76,70,true,Reduce,"Cut high-beta by 2-3%, add cash",1,-7,BrokerD,MKT,98,RegimeShift,Hedge,Volatility spike and breadth deterioration,-51,-11,44,3,false,Monitor dispersion and breadth
P3092,Systematic,Taxable,USD,2024-10-30,860388,82383,778005,1.0,64.9,28.6,0.0,6.5,HYG:9.5%;VTI:24.4%;GLD:23.3%;AAPL:18.4%;TLT:24.4%,US:70.5;EU:7.4;APAC:14.9;EM:6.6;Other:0.6,Value:-0.5;Growth:+0.1;Quality:+0.5;Size:-0.8;Momentum:-0.4;LowVol:-0.5,MaxPos6%,6,30,5.9,trailing 8%,230,26.1,Volatile,24.2,3.7,2.4,110,9,56,59,true,Hedge,Buy index puts 1% notional,8,-32,BrokerC,VWAP,93,VAR>budget,Hedge,Risk above budget threshold,4,-28,38,4,false,Increase defensive factor exposure
P3093,Cautious,IRA,USD,2025-03-21,834519,93886,740633,1.0,48.5,38.7,0.2,12.6,BRK.B:33.3%;BND:33.3%;VOO:33.3%,US:65.0;EU:16.5;APAC:12.9;EM:4.5;Other:1.0,Value:+0.3;Growth:-0.5;Quality:+0.6;Size:+0.8;Momentum:-0.1;LowVol:+0.1,ESGOnly;NoMargin,10,30,3.1,trailing 8%,122,15.4,Bull,11.7,3.6,3.1,108,47,71,27,true,Hedge,Buy index puts 1% notional,27,-19,BrokerB,VWAP,93,RegimeShift,Pause,Volatility spike and breadth deterioration,74,-33,75,3,false,Monitor dispersion and breadth
P3094,Hands-off,Trust,USD,2024-10-25,750242,64084,686158,1.0,60.7,23.8,9.0,6.4,VNQ:27.4%;BND:27.4%;MSFT:20.3%;QQQ:12.6%;TSLA:12.3%,US:70.3;EU:14.7;APAC:7.6;EM:5.4;Other:2.0,Value:-0.1;Growth:-0.2;Quality:+0.1;Size:+0.9;Momentum:-0.9;LowVol:-0.4,ESGOnly,6,35,4.4,hard 10%,124,18.6,Bull,14.3,3.74,2.5,119,53,83,49,false,Rebalance,Shift +1% to bonds from equity,15,8,BrokerB,MKT,99,None,None,Normal monitoring,94,-52,212,4,false,Monitor dispersion and breadth
P3095,Systematic,401k,USD,2025-11-03,883316,71384,811932,1.0,62.4,28.9,0.0,8.7,QQQ:33.8%;MSFT:33.8%;TLT:32.5%,US:70.2;EU:9.0;APAC:6.6;EM:13.5;Other:0.7,Value:+0.8;Growth:-0.1;Quality:-0.9;Size:+0.1;Momentum:+0.1;LowVol:-0.7,,5,25,5.6,trailing 8%,175,20.5,Volatile,28.1,5.0,2.8,148,-48,33,81,true,Reduce,"Cut high-beta by 2-3%, add cash",26,-11,BrokerB,LMT,96,RegimeShift,Reduce,Volatility spike and breadth deterioration,9,-8,35,3,false,Tighten stops on momentum names
P3096,Active,Roth,USD,2025-08-29,1281822,150882,1130940,1.0,62.5,19.2,8.3,9.9,BRK.B:15.3%;TLT:8.9%;GLD:10.6%;HYG:21.7%;AMZN:21.7%;VTI:21.7%,US:76.9;EU:5.8;APAC:6.0;EM:7.1;Other:4.2,Value:+0.5;Growth:-0.7;Quality:+0.5;Size:+0.6;Momentum:+1.0;LowVol:+0.4,NoDerivatives,8,35,5.5,trailing 8%,129,20.9,Volatile,22.0,4.56,3.2,135,-32,23,57,false,Rebalance,Shift +1% to bonds from equity,25,-5,BrokerA,MKT,99,None,None,Normal monitoring,43,-53,88,5,false,Increase defensive factor exposure
P3097,Opportunistic,401k,USD,2025-02-09,767906,23932,743974,1.0,62.2,11.7,22.1,4.0,QQQ:17.4%;VOO:12.7%;IEF:23.4%;VNQ:23.1%;AMZN:23.4%,US:71.2;EU:8.9;APAC:7.3;EM:9.9;Other:2.8,Value:+0.6;Growth:-0.6;Quality:+0.3;Size:-0.2;Momentum:+0.7;LowVol:0.0,MaxPos5%,6,30,6.7,trailing 9%,165,25.7,Bull,17.6,4.52,2.4,116,22,50,47,false,Buy,Add to core equity +1%,-14,-5,BrokerB,LMT,94,None,None,Normal monitoring,75,-33,142,5,false,Tax-aware sells next window
P3098,Hands-off,Roth,USD,2025-07-22,397999,16108,381891,1.0,60.2,24.7,5.1,10.0,TLT:24.2%;VNQ:18.7%;BRK.B:28.5%;GLD:28.5%,US:72.5;EU:11.8;APAC:8.3;EM:5.1;Other:2.3,Value:-0.7;Growth:-0.2;Quality:+0.5;Size:+0.7;Momentum:-0.7;LowVol:-0.6,ESGOnly;MaxPos6%,10,25,3.8,trailing 8%,94,16.3,Sideways,17.0,4.67,2.2,101,-1,37,43,true,Hedge,Buy index puts 1% notional,-7,-14,BrokerA,LMT,100,RegimeShift,Pause,Volatility spike and breadth deterioration,65,-39,39,3,false,Monitor dispersion and breadth
P3099,Active,Taxable,USD,2025-07-15,1900620,114288,1786332,1.0,66.5,24.0,0.0,9.5,BND:33.1%;AAPL:33.5%;BRK.B:33.5%,US:59.5;EU:11.8;APAC:14.8;EM:10.9;Other:3.0,Value:-0.8;Growth:+0.8;Quality:-0.4;Size:-0.8;Momentum:-0.8;LowVol:-0.7,NoDerivatives,5,35,5.6,trailing 9%,183,18.8,Bull,15.2,3.69,3.0,80,43,81,45,false,Rebalance,Shift +1% to bonds from equity,17,-39,BrokerB,MKT,100,None,None,Normal monitoring,-37,-44,93,3,false,Within IPS guidelines
P3100,Cautious,Taxable,USD,2025-03-08,319116,40930,278186,1.0,51.0,37.2,0.4,11.5,QQQ:25.0%;BRK.B:25.0%;TLT:25.0%;HYG:25.0%,US:63.6;EU:16.6;APAC:10.7;EM:7.3;Other:1.7,Value:-0.9;Growth:-0.4;Quality:+0.1;Size:+0.6;Momentum:+0.9;LowVol:+1.0,ESGOnly;NoMargin,7,30,4.3,trailing 8%,108,17.6,Sideways,15.3,4.11,2.2,102,35,76,33,false,Rebalance,Shift +1% to bonds from equity,16,-39,BrokerA,MKT,100,None,None,Normal monitoring,88,-3,65,3,false,Within IPS guidelines
P3101,Hands-off,Trust,USD,2024-09-10,512157,36006,476151,1.0,73.1,15.2,4.9,6.8,MUB:26.2%;MSFT:26.2%;AMZN:21.3%;XLF:26.2%,US:69.9;EU:7.9;APAC:9.4;EM:9.1;Other:3.7,Value:-0.8;Growth:-0.1;Quality:+0.3;Size:+0.6;Momentum:-0.0;LowVol:+0.6,MaxPos8%;NoDerivatives,8,30,3.9,trailing 10%,164,19.0,Sideways,19.5,3.79,2.2,108,58,69,62,false,NoAction,Within bands; monitor,4,-4,BrokerD,MKT,0,None,None,Normal monitoring,-60,9,-11,4,false,Within IPS guidelines
P3102,Active,Taxable,USD,2024-10-12,2147529,169394,1978135,1.13,55.6,20.2,15.9,8.3,AAPL:23.7%;MSFT:23.4%;TSLA:23.7%;BRK.B:20.6%;TLT:8.6%,US:71.0;EU:10.7;APAC:7.1;EM:10.6;Other:0.7,Value:+0.1;Growth:+0.9;Quality:+0.5;Size:+0.5;Momentum:+0.2;LowVol:+0.6,MaxPos5%,6,25,5.3,trailing 8%,186,18.6,Volatile,20.1,4.68,2.5,130,-52,27,59,true,Hedge,Buy index puts 1% notional,-4,15,BrokerD,MKT,100,Drift>tolerance,Hedge,Allocation drift beyond policy bands,73,-24,77,5,false,Within IPS guidelines
P3103,Active,Taxable,USD,2024-10-02,2093089,182737,1910352,1.0,51.2,18.8,24.4,5.6,QQQ:16.1%;GLD:16.2%;BRK.B:22.6%;TSLA:22.6%;BND:22.6%,US:55.4;EU:19.9;APAC:13.9;EM:9.3;Other:1.5,Value:+0.8;Growth:+0.9;Quality:-0.2;Size:+0.5;Momentum:-0.3;LowVol:+0.3,,6,25,4.2,hard 12%,162,16.8,Bull,17.9,3.9,2.7,74,19,65,37,false,Rebalance,Shift +1% to bonds from equity,-1,11,BrokerD,LMT,97,None,None,Normal monitoring,103,-46,84,3,false,Monitor dispersion and breadth
P3104,Systematic,Roth,USD,2025-07-11,1856894,148194,1708700,1.0,60.7,27.0,5.0,7.4,BRK.B:21.2%;VNQ:18.5%;BND:16.7%;MSFT:21.2%;GLD:6.7%;AMZN:15.7%,US:64.4;EU:6.1;APAC:16.2;EM:12.1;Other:1.2,Value:+0.7;Growth:+0.3;Quality:+0.8;Size:-0.4;Momentum:+0.6;LowVol:+0.2,,8,35,4.9,trailing 9%,139,19.2,Bull,18.0,3.9,2.8,101,52,87,52,false,Rebalance,Shift +1% to bonds from equity,26,-34,BrokerB,LMT,97,None,None,Normal monitoring,-45,-47,-78,5,false,Increase defensive factor exposure
P3105,Opportunistic,401k,USD,2025-08-29,832948,71283,761665,1.0,74.0,19.4,0.0,6.7,VNQ:27.6%;MUB:27.6%;AMZN:18.3%;TSLA:26.5%,US:69.7;EU:5.5;APAC:14.6;EM:9.8;Other:0.4,Value:-1.0;Growth:+0.9;Quality:+0.5;Size:-0.6;Momentum:+0.9;LowVol:+0.7,MaxPos8%,5,25,4.6,hard 12%,236,32.7,Bear,31.4,4.19,1.7,197,-38,43,80,true,Hedge,Buy index puts 1% notional,15,-37,BrokerB,MKT,89,Drift>tolerance,Hedge,Allocation drift beyond policy bands,109,20,88,4,true,Tax-aware sells next window
P3106,Hands-off,Trust,USD,2025-07-27,646151,50893,595258,1.0,60.9,21.2,11.3,6.6,MSFT:22.6%;BRK.B:22.6%;VTI:10.8%;BND:10.5%;AMZN:17.4%;TLT:16.1%,US:73.5;EU:9.1;APAC:5.3;EM:9.9;Other:2.3,Value:+0.2;Growth:+0.8;Quality:+0.2;Size:-0.4;Momentum:-0.6;LowVol:+0.8,NoDerivatives,7,35,3.4,trailing 8%,101,13.7,Volatile,27.3,5.48,2.9,154,63,83,67,true,Hedge,Buy index puts 1% notional,16,-11,BrokerA,LMT,96,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,35,-34,106,5,false,Tighten stops on momentum names
P3107,Active,Taxable,USD,2025-03-02,1538091,170134,1367957,1.1,57.8,22.1,12.7,7.4,TLT:21.9%;XLF:21.9%;IEF:21.2%;TSLA:21.9%;MUB:13.1%,US:66.1;EU:12.5;APAC:11.9;EM:6.5;Other:3.0,Value:-0.1;Growth:-0.3;Quality:+1.0;Size:-1.0;Momentum:+0.1;LowVol:+0.1,NoDerivatives,10,35,4.7,trailing 8%,227,24.8,Bull,17.2,4.0,2.9,106,92,96,56,false,Rebalance,Shift +1% to bonds from equity,27,-3,BrokerD,LMT,85,None,None,Normal monitoring,86,0,131,3,false,Tax-aware sells next window
P3108,Active,Taxable,USD,2024-07-13,1929979,141614,1788365,1.0,65.1,25.8,3.9,5.2,VTI:14.1%;HYG:12.9%;BND:23.7%;VNQ:19.6%;TSLA:16.1%;TLT:13.6%,US:67.2;EU:15.2;APAC:4.9;EM:8.6;Other:4.2,Value:+0.3;Growth:+1.0;Quality:+0.1;Size:+0.5;Momentum:+0.1;LowVol:-0.8,,5,30,4.5,trailing 8%,181,18.4,Sideways,18.0,3.74,2.2,132,42,56,54,false,Rebalance,Shift +1% to bonds from equity,27,2,BrokerD,MKT,87,None,None,Normal monitoring,-10,-12,17,4,false,Monitor dispersion and breadth
P3109,Opportunistic,401k,USD,2025-06-13,326828,14933,311895,1.09,67.0,12.2,12.4,8.4,MSFT:18.1%;VNQ:15.7%;VTI:22.0%;TLT:22.0%;HYG:22.0%,US:66.2;EU:12.0;APAC:13.6;EM:6.4;Other:1.8,Value:+0.7;Growth:+0.3;Quality:-0.0;Size:-0.6;Momentum:-0.2;LowVol:+0.5,MaxPos6%;NoDerivatives,8,25,6.8,trailing 9%,246,29.9,Volatile,21.1,5.06,2.2,138,-19,53,64,false,NoAction,Within bands; monitor,24,-31,BrokerD,LMT,88,None,None,Normal monitoring,69,-39,101,4,false,Increase defensive factor exposure
P3110,Active,401k,USD,2025-01-26,672309,54923,617386,1.0,50.3,25.7,17.7,6.3,VOO:12.0%;TSLA:20.2%;AAPL:11.4%;VNQ:20.2%;AMZN:17.9%;QQQ:18.4%,US:63.3;EU:16.2;APAC:6.4;EM:9.4;Other:4.7,Value:+0.1;Growth:+0.8;Quality:-1.0;Size:+0.4;Momentum:+0.5;LowVol:-0.5,MaxPos6%,6,30,5.2,trailing 8%,131,16.4,Bull,11.2,4.32,3.0,97,44,61,25,false,Buy,Add to core equity +1%,24,-10,BrokerA,LMT,99,None,None,Normal monitoring,105,-5,188,3,false,Tax-aware sells next window
P3111,Active,Roth,USD,2025-12-10,793206,52385,740821,1.0,63.6,27.1,3.5,5.7,BRK.B:33.3%;HYG:33.3%;TSLA:33.3%,US:70.1;EU:13.7;APAC:10.9;EM:3.1;Other:2.2,Value:-0.6;Growth:-0.2;Quality:-0.7;Size:+0.6;Momentum:+0.7;LowVol:-0.2,MaxPos5%,7,30,4.1,trailing 9%,211,21.7,Volatile,30.5,4.4,2.4,118,49,76,81,true,Reduce,"Cut high-beta by 2-3%, add cash",9,11,BrokerD,MKT,87,Drift>tolerance,Hedge,Allocation drift beyond policy bands,35,19,3,2,false,Monitor dispersion and breadth
P3112,Active,401k,USD,2025-01-26,1146754,115939,1030815,1.0,60.6,22.5,9.4,7.5,TLT:11.2%;VOO:26.6%;TSLA:26.6%;BND:21.7%;IEF:13.8%,US:66.3;EU:9.9;APAC:12.2;EM:8.5;Other:3.1,Value:-0.6;Growth:+0.3;Quality:-0.9;Size:+0.3;Momentum:-0.7;LowVol:-0.4,MaxPos5%,10,25,5.8,hard 12%,120,20.2,Volatile,20.2,5.22,2.1,167,49,67,51,true,Hedge,Buy index puts 1% notional,35,-21,BrokerC,LMT,96,VAR>budget,TightenStops,Risk above budget threshold,12,-12,85,2,false,Increase defensive factor exposure
P3113,Cautious,Taxable,USD,2025-05-06,427871,37605,390266,1.0,38.6,37.5,6.9,17.0,MUB:24.0%;QQQ:15.9%;VNQ:24.0%;BND:12.7%;HYG:14.1%;BRK.B:9.4%,US:65.9;EU:11.8;APAC:7.6;EM:10.3;Other:4.4,Value:+0.4;Growth:+0.4;Quality:-0.7;Size:+1.0;Momentum:+0.1;LowVol:+0.6,NoMargin,10,30,4.1,trailing 8%,118,18.7,Volatile,28.4,4.85,3.2,156,0,64,61,false,Sell,Trim extended winner -1%,32,-30,BrokerD,LMT,94,None,None,Normal monitoring,76,-5,50,5,false,Monitor dispersion and breadth
P3114,Cautious,IRA,USD,2025-04-29,730562,70305,660257,1.0,36.1,31.1,16.3,16.6,VTI:36.3%;AAPL:36.3%;VOO:27.3%,US:66.5;EU:8.5;APAC:6.3;EM:14.6;Other:4.2,Value:-0.4;Growth:+0.4;Quality:-1.0;Size:-0.6;Momentum:-0.6;LowVol:-0.0,MaxPos5%;NoDerivatives;NoMargin,10,30,4.6,trailing 8%,132,15.2,Volatile,22.9,4.98,4.1,123,-33,34,37,false,Sell,Trim extended winner -1%,10,-14,BrokerD,MKT,87,None,None,Normal monitoring,41,-10,139,5,false,Within IPS guidelines
P3115,Hands-off,Roth,USD,2025-03-28,201903,14472,187431,1.0,70.7,21.4,0.0,7.9,BND:28.8%;AMZN:28.8%;VTI:28.8%;XLF:13.5%,US:62.4;EU:16.1;APAC:7.8;EM:10.1;Other:3.5,Value:+0.5;Growth:-0.1;Quality:+0.7;Size:0.0;Momentum:+0.2;LowVol:+0.8,ESGOnly;NoDerivatives,5,25,3.5,trailing 8%,129,16.2,Volatile,21.5,3.9,3.2,148,17,56,61,false,Buy,Add to core equity +1%,23,-3,BrokerC,MKT,92,None,None,Normal monitoring,86,-11,209,4,false,Monitor dispersion and breadth
P3116,Opportunistic,Trust,USD,2025-03-28,1016142,79752,936390,1.0,62.8,17.8,11.7,7.7,BRK.B:24.4%;VOO:19.4%;IEF:18.4%;HYG:13.3%;VTI:24.4%,US:68.9;EU:8.2;APAC:10.1;EM:7.7;Other:5.1,Value:-0.3;Growth:-0.8;Quality:+0.1;Size:-0.2;Momentum:-0.1;LowVol:-0.9,,6,35,5.7,hard 12%,210,20.9,Bull,17.5,3.6,3.1,87,36,80,54,false,Rebalance,Shift +1% to bonds from equity,-8,13,BrokerC,LMT,87,None,None,Normal monitoring,103,-23,106,5,false,Increase defensive factor exposure
P3117,Cautious,Roth,USD,2025-01-26,515561,42414,473147,1.0,38.5,40.7,4.2,16.6,AAPL:22.8%;VNQ:7.3%;IEF:8.1%;TSLA:22.8%;HYG:22.8%;QQQ:16.3%,US:56.4;EU:10.9;APAC:15.1;EM:12.3;Other:5.3,Value:+0.2;Growth:-1.0;Quality:+0.4;Size:+1.0;Momentum:-0.9;LowVol:+0.4,NoMargin,10,35,4.9,trailing 10%,103,19.0,Bull,13.4,3.76,2.3,116,33,76,29,false,Rebalance,Shift +1% to bonds from equity,-7,-6,BrokerC,VWAP,90,None,None,Normal monitoring,-30,-14,90,3,false,Tax-aware sells next window
P3118,Systematic,Roth,USD,2025-07-01,1720799,81282,1639517,1.0,63.1,31.9,0.0,4.9,VNQ:17.3%;TSLA:24.5%;QQQ:29.1%;MSFT:29.1%,US:74.3;EU:7.1;APAC:10.6;EM:5.5;Other:2.4,Value:-0.1;Growth:-0.8;Quality:-0.2;Size:+0.9;Momentum:-0.8;LowVol:+0.8,MaxPos7%,7,35,4.4,trailing 8%,164,27.8,Volatile,31.8,5.21,3.7,149,34,56,91,true,Hedge,Buy index puts 1% notional,7,-2,BrokerB,MKT,85,VAR>budget,Hedge,Risk above budget threshold,19,10,-20,3,false,Tighten stops on momentum names
P3119,Opportunistic,401k,USD,2024-08-07,947500,65581,881919,1.0,65.3,13.4,15.2,6.1,TSLA:33.3%;MUB:33.3%;IEF:33.3%,US:62.0;EU:20.5;APAC:8.3;EM:4.0;Other:5.2,Value:-0.0;Growth:+0.4;Quality:-0.1;Size:-0.1;Momentum:+0.7;LowVol:-0.5,MaxPos8%,8,30,6.7,hard 12%,246,24.2,Bull,12.1,3.56,2.4,102,10,55,43,false,Rebalance,Shift +1% to bonds from equity,-1,0,BrokerC,LMT,94,None,None,Normal monitoring,31,13,162,3,false,Increase defensive factor exposure
P3120,Active,401k,USD,2025-02-04,1213363,117665,1095698,1.0,69.3,21.8,3.0,5.8,VNQ:7.1%;VOO:20.6%;TLT:21.7%;QQQ:19.1%;AMZN:12.6%;BND:18.9%,US:63.3;EU:13.7;APAC:10.6;EM:9.3;Other:3.0,Value:+0.9;Growth:+0.6;Quality:-0.8;Size:+0.2;Momentum:-0.3;LowVol:-0.8,,10,35,5.5,hard 12%,192,17.6,Sideways,19.5,3.52,2.9,103,52,70,55,true,Hedge,Buy index puts 1% notional,-9,13,BrokerC,MKT,94,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,23,-38,132,5,false,Monitor dispersion and breadth
P3121,Hands-off,Taxable,USD,2025-09-20,359661,33748,325913,1.0,71.5,17.3,1.9,9.4,XLF:17.2%;VOO:12.7%;AAPL:22.3%;VTI:23.9%;VNQ:23.9%,US:63.2;EU:14.0;APAC:10.4;EM:11.2;Other:1.2,Value:-0.7;Growth:+0.4;Quality:-0.5;Size:-0.7;Momentum:+0.1;LowVol:+0.6,MaxPos8%,8,35,3.4,trailing 8%,118,16.8,Bear,31.4,4.18,1.0,131,-109,5,79,true,Hedge,Buy index puts 1% notional,25,-40,BrokerA,LMT,99,VAR>budget,TightenStops,Risk above budget threshold,-53,10,86,2,false,Tighten stops on momentum names
P3122,Opportunistic,IRA,USD,2025-03-25,1291528,57153,1234375,1.0,65.8,12.5,15.4,6.4,XLF:33.3%;VOO:33.3%;BRK.B:33.3%,US:58.6;EU:14.4;APAC:11.9;EM:11.2;Other:3.9,Value:-0.7;Growth:-0.4;Quality:+0.4;Size:-0.4;Momentum:+0.9;LowVol:+0.9,,10,30,5.1,hard 12%,222,34.5,Volatile,25.2,4.07,2.7,176,-19,47,67,true,Reduce,"Cut high-beta by 2-3%, add cash",14,-11,BrokerA,MKT,95,RegimeShift,Pause,Volatility spike and breadth deterioration,68,-60,93,3,false,Within IPS guidelines
P3123,Hands-off,Trust,USD,2025-01-14,309521,14652,294869,1.0,66.0,15.3,9.6,9.1,QQQ:25.4%;TSLA:23.9%;GLD:25.4%;MSFT:25.4%,US:64.2;EU:9.5;APAC:15.3;EM:7.5;Other:3.6,Value:-0.8;Growth:-0.5;Quality:+0.8;Size:+0.9;Momentum:-0.1;LowVol:-0.1,MaxPos6%,8,30,3.3,trailing 8%,97,14.3,Bull,16.6,4.71,3.3,77,23,71,58,false,Rebalance,Shift +1% to bonds from equity,-8,11,BrokerC,VWAP,88,None,None,Normal monitoring,-53,-15,-56,3,false,Within IPS guidelines
P3124,Opportunistic,Trust,USD,2025-09-24,1448039,86912,1361127,1.0,72.2,20.2,0.0,7.6,TLT:33.3%;XLF:33.3%;IEF:33.3%,US:65.4;EU:8.4;APAC:12.4;EM:9.9;Other:3.9,Value:+0.4;Growth:-0.7;Quality:+1.0;Size:+1.0;Momentum:+0.6;LowVol:+0.3,NoDerivatives,7,25,5.7,trailing 7%,199,27.5,Bear,24.2,3.13,1.2,190,-13,49,73,true,Hedge,Buy index puts 1% notional,29,-12,BrokerA,MKT,91,RegimeShift,Pause,Volatility spike and breadth deterioration,51,-56,180,3,false,Tax-aware sells next window
P3125,Cautious,Roth,USD,2025-03-31,725805,104072,621733,1.0,40.6,35.3,9.1,14.9,VNQ:23.2%;GLD:11.3%;XLF:15.5%;TSLA:10.2%;IEF:16.8%;VTI:23.2%,US:75.0;EU:7.8;APAC:7.2;EM:7.5;Other:2.5,Value:+0.4;Growth:+0.9;Quality:-0.8;Size:+0.6;Momentum:+0.5;LowVol:-0.3,MaxPos5%;NoMargin,7,30,3.9,hard 10%,162,14.5,Volatile,28.3,4.34,4.3,133,59,92,64,true,Hedge,Buy index puts 1% notional,22,-27,BrokerA,VWAP,89,RegimeShift,Hedge,Volatility spike and breadth deterioration,78,3,160,5,false,Monitor dispersion and breadth
P3126,Hands-off,IRA,USD,2025-06-09,154228,13374,140854,1.0,59.4,19.6,11.5,9.4,MSFT:23.0%;TLT:9.9%;MUB:23.0%;BND:21.1%;XLF:23.0%,US:75.1;EU:14.3;APAC:5.9;EM:4.2;Other:0.5,Value:-0.2;Growth:-0.3;Quality:+0.1;Size:+0.6;Momentum:+0.1;LowVol:-0.1,,8,30,4.4,trailing 8%,136,14.7,Bear,31.1,3.32,2.7,144,-30,34,86,true,Hedge,Buy index puts 1% notional,12,-7,BrokerB,VWAP,98,VAR>budget,Reduce,Risk above budget threshold,78,13,78,4,false,Increase defensive factor exposure
P3127,Hands-off,Roth,USD,2024-12-05,463910,26116,437794,1.0,57.8,16.4,16.6,9.2,XLF:33.3%;AMZN:33.3%;GLD:33.3%,US:58.3;EU:12.4;APAC:13.8;EM:10.8;Other:4.8,Value:-0.6;Growth:+0.3;Quality:-0.7;Size:-0.2;Momentum:-0.5;LowVol:-0.4,ESGOnly,7,25,5.9,trailing 10%,168,19.4,Volatile,28.7,3.74,3.6,151,2,46,74,true,Reduce,"Cut high-beta by 2-3%, add cash",9,-4,BrokerB,LMT,95,VAR>budget,Pause,Risk above budget threshold,77,-17,217,4,false,Tighten stops on momentum names
P3128,Systematic,401k,USD,2025-10-30,499841,40151,459690,1.0,65.5,23.7,4.2,6.6,HYG:33.3%;AMZN:33.3%;BRK.B:33.3%,US:65.1;EU:13.6;APAC:10.3;EM:5.6;Other:5.4,Value:+0.9;Growth:+0.5;Quality:-0.8;Size:+0.5;Momentum:0.0;LowVol:-0.5,MaxPos6%,6,35,5.0,hard 12%,185,25.0,Bull,14.4,4.98,3.5,73,47,88,40,false,Hedge,Add TLT +1% as duration hedge,4,-16,BrokerD,LMT,95,None,None,Normal monitoring,26,-6,-7,5,false,Tax-aware sells next window
P3129,Active,IRA,USD,2025-03-07,1979821,164126,1815695,1.16,60.9,31.8,0.9,6.4,QQQ:22.0%;GLD:22.3%;VOO:17.9%;TSLA:13.2%;MSFT:13.6%;XLF:11.0%,US:71.5;EU:15.4;APAC:6.3;EM:3.8;Other:2.9,Value:+0.4;Growth:-0.5;Quality:+0.5;Size:+0.6;Momentum:-0.7;LowVol:+0.5,MaxPos7%,10,25,4.1,hard 12%,183,28.0,Sideways,21.7,4.82,3.4,109,-10,44,65,false,Hedge,Add TLT +1% as duration hedge,30,8,BrokerB,MKT,93,None,None,Normal monitoring,99,3,168,5,false,Tax-aware sells next window
P3130,Systematic,401k,USD,2024-09-12,1051526,98866,952660,1.0,56.1,34.7,0.3,8.9,MUB:20.9%;IEF:21.7%;BND:28.7%;MSFT:28.7%,US:63.1;EU:14.3;APAC:15.0;EM:5.9;Other:1.8,Value:+0.9;Growth:+0.8;Quality:-0.2;Size:+0.2;Momentum:+0.3;LowVol:+0.6,MaxPos5%,10,35,5.0,trailing 8%,180,23.5,Bull,12.7,4.32,3.0,71,113,100,36,false,Buy,Add to core equity +1%,21,-31,BrokerB,MKT,91,None,None,Normal monitoring,113,-30,73,3,false,Increase defensive factor exposure
P3131,Cautious,Taxable,USD,2024-08-28,214891,23211,191680,1.0,35.7,40.8,9.1,14.4,AMZN:33.3%;QQQ:33.3%;BRK.B:33.3%,US:68.2;EU:12.9;APAC:9.0;EM:7.4;Other:2.6,Value:+0.6;Growth:+0.1;Quality:+0.2;Size:+0.6;Momentum:-0.4;LowVol:+0.3,ESGOnly;NoDerivatives;NoMargin,8,25,4.2,trailing 10%,92,18.3,Bear,28.8,4.34,2.6,146,-1,53,54,false,Sell,Trim extended winner -1%,20,-38,BrokerA,VWAP,88,None,None,Normal monitoring,66,-49,60,5,false,Tighten stops on momentum names
P3132,Active,Trust,USD,2025-05-08,1649223,120336,1528887,1.0,68.2,19.2,3.7,8.8,MUB:20.9%;MSFT:22.4%;AAPL:22.4%;TLT:22.4%;XLF:12.1%,US:64.7;EU:11.4;APAC:11.6;EM:9.6;Other:2.7,Value:-0.2;Growth:-0.5;Quality:+0.8;Size:-0.3;Momentum:+0.1;LowVol:-0.8,MaxPos8%;NoDerivatives,5,25,4.7,hard 12%,222,18.5,Volatile,24.8,4.79,2.4,132,17,72,80,true,Rebalance,Rebalance back to target bands,15,15,BrokerC,VWAP,92,Drift>tolerance,Pause,Allocation drift beyond policy bands,-12,-55,36,2,false,Within IPS guidelines
P3133,Hands-off,Roth,USD,2025-01-18,400255,20742,379513,1.0,68.6,22.3,0.0,9.1,VNQ:24.3%;MSFT:18.9%;BND:24.3%;IEF:8.1%;VOO:24.3%,US:65.1;EU:10.5;APAC:6.3;EM:13.5;Other:4.6,Value:-0.5;Growth:-0.7;Quality:-0.4;Size:+0.7;Momentum:+0.1;LowVol:-0.2,ESGOnly;MaxPos5%,8,25,5.0,trailing 10%,134,18.4,Volatile,29.9,4.82,2.5,128,-38,25,79,true,Hedge,Buy index puts 1% notional,16,5,BrokerD,LMT,97,VAR>budget,TightenStops,Risk above budget threshold,93,11,185,3,false,Increase defensive factor exposure
P3134,Opportunistic,401k,USD,2025-11-29,819163,60196,758967,1.0,62.1,13.2,19.0,5.7,XLF:34.6%;BRK.B:30.8%;QQQ:34.6%,US:64.1;EU:14.6;APAC:9.2;EM:11.1;Other:1.0,Value:+0.7;Growth:0.0;Quality:0.0;Size:-0.8;Momentum:+0.3;LowVol:+0.3,MaxPos8%;NoDerivatives,10,35,5.8,trailing 9%,218,30.3,Sideways,14.3,3.57,2.1,131,1,51,52,true,Rebalance,Rebalance back to target bands,24,7,BrokerA,VWAP,88,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-41,-46,-10,5,false,Within IPS guidelines
P3135,Opportunistic,Roth,USD,2025-09-22,860873,63375,797498,1.0,68.0,16.7,10.7,4.6,GLD:22.6%;VNQ:22.7%;TLT:9.2%;BND:22.7%;VOO:22.7%,US:71.6;EU:10.0;APAC:10.4;EM:4.6;Other:3.4,Value:-0.2;Growth:+0.6;Quality:-0.3;Size:-0.7;Momentum:+0.5;LowVol:-0.1,MaxPos5%,10,35,6.4,trailing 7%,207,23.9,Bear,32.7,4.08,1.2,151,-75,5,96,true,Reduce,"Cut high-beta by 2-3%, add cash",24,9,BrokerC,MKT,100,VAR>budget,Reduce,Risk above budget threshold,59,1,166,5,false,Within IPS guidelines
P3136,Active,Roth,USD,2024-08-07,858372,63757,794615,1.0,69.6,21.3,2.2,6.8,XLF:13.7%;AMZN:24.8%;BRK.B:24.8%;MUB:14.5%;BND:22.2%,US:61.1;EU:16.7;APAC:12.3;EM:5.5;Other:4.4,Value:+1.0;Growth:-0.4;Quality:-0.7;Size:-0.1;Momentum:-0.6;LowVol:+1.0,,8,25,4.9,trailing 8%,150,27.0,Bull,16.5,3.72,2.7,85,76,99,46,false,Sell,Trim extended winner -1%,-13,-4,BrokerB,MKT,94,None,None,Normal monitoring,113,-31,117,4,false,Monitor dispersion and breadth
P3137,Hands-off,Taxable,USD,2025-11-05,768353,33908,734445,1.0,65.1,15.1,10.9,8.8,TLT:22.9%;GLD:22.9%;MUB:22.9%;QQQ:20.9%;BND:10.5%,US:66.4;EU:12.0;APAC:12.9;EM:6.8;Other:1.9,Value:-0.1;Growth:+0.2;Quality:+0.1;Size:-0.1;Momentum:-0.4;LowVol:-0.4,ESGOnly;MaxPos7%;NoDerivatives,6,35,4.0,trailing 8%,160,16.7,Bull,11.2,4.15,2.0,99,58,64,43,false,Hedge,Add TLT +1% as duration hedge,6,-35,BrokerC,VWAP,88,None,None,Normal monitoring,101,-49,143,3,false,Within IPS guidelines
P3138,Active,IRA,USD,2024-10-06,2114104,217199,1896905,1.25,66.4,27.0,1.4,5.2,VNQ:23.7%;QQQ:17.9%;GLD:11.2%;MSFT:23.7%;IEF:23.4%,US:71.3;EU:12.0;APAC:6.0;EM:9.9;Other:0.8,Value:-0.7;Growth:+0.1;Quality:+0.9;Size:-0.3;Momentum:+0.4;LowVol:+0.1,NoDerivatives,10,25,4.7,trailing 8%,154,18.0,Bear,26.6,4.28,1.9,179,-14,55,66,false,Sell,Trim extended winner -1%,12,-10,BrokerC,LMT,98,None,None,Normal monitoring,19,6,137,5,false,Tighten stops on momentum names
P3139,Active,Trust,USD,2024-08-21,1255263,118662,1136601,1.0,68.0,24.7,1.5,5.8,IEF:37.4%;QQQ:25.2%;MSFT:37.4%,US:73.3;EU:6.8;APAC:12.5;EM:5.7;Other:1.7,Value:-0.8;Growth:-0.8;Quality:-0.6;Size:-0.9;Momentum:+0.8;LowVol:-0.7,MaxPos8%,5,30,5.4,trailing 9%,224,22.1,Sideways,19.5,4.54,2.6,126,12,49,67,false,Rebalance,Shift +1% to bonds from equity,-6,-18,BrokerC,LMT,87,None,None,Normal monitoring,13,-28,118,4,false,Monitor dispersion and breadth
P3140,Hands-off,401k,USD,2024-11-02,206524,19033,187491,1.0,57.6,26.1,10.8,5.5,VNQ:16.9%;AMZN:12.7%;VOO:23.1%;BND:14.5%;IEF:9.7%;TSLA:23.1%,US:69.7;EU:7.8;APAC:11.0;EM:11.3;Other:0.3,Value:-0.8;Growth:-0.6;Quality:+0.4;Size:+0.7;Momentum:+1.0;LowVol:-0.4,ESGOnly;MaxPos5%,8,35,3.0,trailing 10%,129,14.1,Bull,14.2,4.36,3.3,77,41,63,50,false,Rebalance,Shift +1% to bonds from equity,-5,-28,BrokerA,LMT,99,None,None,Normal monitoring,72,-60,64,3,false,Monitor dispersion and breadth
P3141,Systematic,Roth,USD,2025-02-27,1210284,60012,1150272,1.0,58.3,27.8,6.9,7.0,VTI:33.3%;VOO:33.3%;VNQ:33.3%,US:78.5;EU:9.0;APAC:7.1;EM:4.5;Other:1.0,Value:+0.3;Growth:+0.5;Quality:+0.1;Size:+0.4;Momentum:+0.9;LowVol:-0.3,,8,30,5.6,hard 12%,225,18.0,Bull,17.4,3.59,2.7,72,41,64,51,false,Buy,Add to core equity +1%,11,-27,BrokerA,LMT,96,None,None,Normal monitoring,57,-16,164,3,false,Tax-aware sells next window
P3142,Hands-off,Trust,USD,2024-09-29,873310,67832,805478,1.0,67.7,26.8,0.0,5.5,BND:22.9%;IEF:11.6%;BRK.B:22.9%;TSLA:14.8%;QQQ:16.9%;HYG:10.9%,US:61.9;EU:13.6;APAC:16.6;EM:3.8;Other:4.2,Value:+0.8;Growth:+0.7;Quality:-0.8;Size:-0.6;Momentum:+0.4;LowVol:-0.8,NoDerivatives,5,25,5.0,trailing 8%,132,19.2,Bull,17.5,4.7,3.5,114,58,85,55,false,NoAction,Within bands; monitor,14,7,BrokerA,MKT,0,None,None,Normal monitoring,-4,-36,14,4,false,Tighten stops on momentum names
P3143,Hands-off,IRA,USD,2024-07-28,204346,16653,187693,1.0,61.1,25.6,7.3,5.9,VTI:35.9%;IEF:35.9%;BRK.B:28.1%,US:69.7;EU:17.5;APAC:8.1;EM:4.3;Other:0.4,Value:+0.3;Growth:+0.9;Quality:-0.6;Size:+0.1;Momentum:+0.4;LowVol:+0.8,,8,30,4.3,hard 10%,165,14.6,Bear,24.1,3.57,2.5,150,-69,5,55,false,Hedge,Add TLT +1% as duration hedge,18,15,BrokerB,VWAP,88,None,None,Normal monitoring,100,20,210,5,false,Tighten stops on momentum names
P3144,Systematic,Trust,USD,2024-07-06,1041471,71547,969924,1.0,57.4,33.6,0.4,8.7,GLD:20.3%;VOO:19.3%;VTI:16.5%;HYG:19.5%;AAPL:14.4%;TSLA:10.1%,US:63.8;EU:8.7;APAC:12.5;EM:13.5;Other:1.4,Value:+0.3;Growth:+0.6;Quality:+0.9;Size:-0.5;Momentum:+0.9;LowVol:0.0,NoDerivatives,7,25,5.1,trailing 9%,194,24.4,Volatile,20.6,4.2,3.4,174,57,89,57,false,Rebalance,Shift +1% to bonds from equity,4,14,BrokerC,VWAP,92,None,None,Normal monitoring,31,-37,162,4,false,Tax-aware sells next window
P3145,Active,Taxable,USD,2025-01-07,636306,76306,560000,1.0,51.6,18.3,20.3,9.8,XLF:12.4%;VTI:22.3%;VNQ:12.9%;BND:11.2%;VOO:18.9%;QQQ:22.3%,US:68.1;EU:15.2;APAC:10.0;EM:5.1;Other:1.7,Value:+0.3;Growth:-0.2;Quality:-0.7;Size:+0.7;Momentum:-0.1;LowVol:+0.2,,10,30,5.7,trailing 9%,187,19.2,Bull,12.0,4.24,3.4,74,74,94,27,false,Hedge,Add TLT +1% as duration hedge,28,-25,BrokerC,LMT,90,None,None,Normal monitoring,74,10,78,3,false,Tax-aware sells next window
P3146,Active,IRA,USD,2025-03-12,2277059,255930,2021129,1.0,63.2,29.6,0.0,7.2,TLT:29.3%;BRK.B:35.3%;BND:35.3%,US:65.0;EU:9.5;APAC:12.4;EM:11.4;Other:1.8,Value:-0.9;Growth:+0.2;Quality:-0.3;Size:+0.2;Momentum:-0.1;LowVol:+0.5,,10,30,5.7,trailing 8%,151,16.3,Sideways,14.3,4.13,3.4,135,-26,52,36,false,Buy,Add to core equity +1%,5,-29,BrokerB,MKT,88,None,None,Normal monitoring,-55,7,70,3,false,Within IPS guidelines
P3147,Active,Roth,USD,2025-07-08,988871,91310,897561,1.0,54.6,29.7,10.1,5.6,VOO:9.7%;GLD:20.8%;AMZN:12.5%;MSFT:19.3%;BRK.B:20.8%;VTI:16.7%,US:68.9;EU:12.3;APAC:13.0;EM:5.6;Other:0.2,Value:-0.7;Growth:-0.6;Quality:+0.1;Size:-0.6;Momentum:-0.2;LowVol:-0.9,,8,30,4.2,trailing 8%,165,17.8,Sideways,18.8,3.85,2.3,106,60,87,45,false,Buy,Add to core equity +1%,14,-13,BrokerA,LMT,97,None,None,Normal monitoring,-46,-58,-23,5,false,Increase defensive factor exposure
P3148,Cautious,IRA,USD,2024-12-27,393150,41463,351687,1.0,44.7,34.7,6.0,14.6,VTI:17.2%;HYG:9.6%;TSLA:19.4%;IEF:14.2%;BRK.B:20.4%;VNQ:19.3%,US:59.9;EU:18.7;APAC:13.1;EM:7.9;Other:0.4,Value:-0.9;Growth:-0.4;Quality:+0.6;Size:-0.4;Momentum:0.0;LowVol:-0.1,NoMargin,8,25,5.6,trailing 8%,96,18.2,Volatile,31.6,5.1,2.7,163,59,89,75,true,Rebalance,Rebalance back to target bands,-9,-27,BrokerD,MKT,99,Drift>tolerance,Pause,Allocation drift beyond policy bands,27,1,60,4,true,Tighten stops on momentum names
P3149,Cautious,Taxable,USD,2024-11-24,807379,110617,696762,1.0,36.4,31.1,19.8,12.6,HYG:23.7%;XLF:13.9%;QQQ:9.4%;AMZN:23.7%;IEF:16.4%;AAPL:12.9%,US:69.8;EU:9.6;APAC:12.3;EM:5.5;Other:2.9,Value:-0.9;Growth:-0.6;Quality:-0.5;Size:-0.4;Momentum:+0.1;LowVol:-0.8,ESGOnly;MaxPos7%;NoMargin,10,35,3.2,trailing 8%,134,17.9,Bear,31.6,3.13,1.8,200,-118,5,75,true,Rebalance,Rebalance back to target bands,27,1,BrokerD,MKT,94,Drift>tolerance,Reduce,Allocation drift beyond policy bands,115,-55,173,2,true,Monitor dispersion and breadth
P3150,Systematic,401k,USD,2024-10-04,969067,47440,921627,1.0,60.7,32.7,0.0,6.6,AMZN:16.6%;QQQ:15.4%;VOO:22.4%;XLF:19.5%;AAPL:15.1%;GLD:10.9%,US:71.4;EU:7.2;APAC:12.0;EM:5.6;Other:3.9,Value:+0.2;Growth:-0.3;Quality:+0.3;Size:-0.7;Momentum:+0.1;LowVol:-0.5,NoDerivatives,7,25,5.9,trailing 9%,151,16.1,Volatile,23.2,4.75,2.9,168,-57,23,57,true,Hedge,Buy index puts 1% notional,-13,-24,BrokerA,LMT,100,Drift>tolerance,Hedge,Allocation drift beyond policy bands,105,-35,203,2,false,Tax-aware sells next window
P3151,Opportunistic,Trust,USD,2024-07-17,838752,49965,788787,1.0,70.0,19.0,4.8,6.2,XLF:22.9%;AMZN:25.7%;TLT:25.7%;MSFT:25.7%,US:58.5;EU:16.8;APAC:13.5;EM:8.2;Other:3.0,Value:-0.1;Growth:-0.0;Quality:-0.5;Size:-0.4;Momentum:+0.3;LowVol:-0.9,,8,30,6.0,trailing 7%,268,31.3,Volatile,29.0,3.89,3.4,114,31,60,84,true,Hedge,Buy index puts 1% notional,16,-10,BrokerB,MKT,88,RegimeShift,Reduce,Volatility spike and breadth deterioration,19,10,108,4,false,Within IPS guidelines
P3152,Cautious,Taxable,USD,2025-02-22,553504,64977,488527,1.0,47.2,38.6,0.0,14.2,XLF:19.6%;AAPL:16.0%;BND:16.1%;HYG:11.6%;VTI:15.4%;MSFT:21.3%,US:57.8;EU:17.1;APAC:11.7;EM:10.7;Other:2.7,Value:-0.8;Growth:-0.7;Quality:+0.7;Size:+0.6;Momentum:-0.7;LowVol:-0.5,ESGOnly;NoMargin,10,35,5.2,trailing 8%,112,16.2,Bull,17.3,4.86,3.1,116,64,91,38,false,Buy,Add to core equity +1%,5,-33,BrokerA,MKT,97,None,None,Normal monitoring,87,-38,141,5,false,Within IPS guidelines
P3153,Hands-off,401k,USD,2024-10-16,474742,47461,427281,1.0,62.9,17.5,11.6,8.0,MUB:28.2%;MSFT:28.2%;VTI:28.2%;XLF:15.3%,US:69.2;EU:8.1;APAC:12.8;EM:5.1;Other:4.7,Value:+0.9;Growth:-0.4;Quality:+0.3;Size:-0.0;Momentum:-0.4;LowVol:-0.9,,5,35,4.9,trailing 8%,146,15.7,Volatile,31.3,4.72,2.9,118,75,98,79,true,Hedge,Buy index puts 1% notional,12,-39,BrokerD,MKT,100,VAR>budget,Pause,Risk above budget threshold,85,12,160,4,false,Monitor dispersion and breadth
P3154,Opportunistic,Taxable,USD,2025-04-29,1348041,67843,1280198,1.0,61.5,14.6,19.4,4.5,BRK.B:20.0%;QQQ:17.4%;MSFT:23.1%;IEF:23.1%;TSLA:16.5%,US:66.9;EU:9.7;APAC:11.3;EM:7.8;Other:4.3,Value:+0.2;Growth:+0.7;Quality:+0.7;Size:-0.2;Momentum:-0.5;LowVol:+0.7,,8,25,4.2,trailing 9%,246,23.7,Bear,30.5,3.25,1.8,144,27,58,83,true,Hedge,Buy index puts 1% notional,-1,-27,BrokerB,MKT,96,RegimeShift,TightenStops,Volatility spike and breadth deterioration,-43,-32,83,2,false,Within IPS guidelines
P3155,Cautious,IRA,USD,2024-12-15,284323,36885,247438,1.0,37.4,39.1,11.6,12.0,VOO:21.8%;TLT:20.9%;IEF:21.8%;AMZN:21.8%;VTI:13.8%,US:67.1;EU:12.3;APAC:9.3;EM:9.9;Other:1.4,Value:-0.1;Growth:-0.5;Quality:+0.1;Size:+0.2;Momentum:0.0;LowVol:+1.0,ESGOnly;NoDerivatives;NoMargin,10,25,5.4,hard 10%,156,15.2,Sideways,15.0,3.61,2.2,106,36,55,37,false,Rebalance,Shift +1% to bonds from equity,17,-38,BrokerD,MKT,85,None,None,Normal monitoring,-33,11,-38,4,false,Monitor dispersion and breadth
P3156,Active,Trust,USD,2025-04-08,1260108,89394,1170714,1.15,68.7,21.3,2.1,7.9,AMZN:11.2%;QQQ:14.7%;HYG:12.2%;GLD:19.2%;IEF:21.4%;XLF:21.4%,US:73.4;EU:7.0;APAC:7.1;EM:10.0;Other:2.5,Value:+0.9;Growth:+0.1;Quality:+0.4;Size:+0.5;Momentum:+0.8;LowVol:-0.7,NoDerivatives,6,25,4.7,hard 12%,220,23.2,Bull,12.6,4.08,2.8,96,34,64,45,false,Rebalance,Shift +1% to bonds from equity,-5,4,BrokerD,MKT,95,None,None,Normal monitoring,106,-41,126,3,false,Tighten stops on momentum names
P3157,Hands-off,401k,USD,2025-08-04,762166,65597,696569,1.0,68.8,23.8,1.2,6.2,TLT:27.9%;HYG:16.3%;QQQ:27.9%;VOO:27.9%,US:70.1;EU:9.2;APAC:7.8;EM:10.0;Other:2.9,Value:-0.8;Growth:+0.9;Quality:+1.0;Size:-0.8;Momentum:+0.5;LowVol:-0.6,ESGOnly,7,30,4.2,hard 10%,155,15.8,Bear,34.0,3.25,3.0,140,-85,7,93,true,Hedge,Buy index puts 1% notional,21,-29,BrokerA,MKT,86,RegimeShift,Hedge,Volatility spike and breadth deterioration,5,-29,19,2,false,Within IPS guidelines
P3158,Opportunistic,Roth,USD,2025-05-04,1235457,94235,1141222,1.07,61.7,10.7,20.9,6.7,AAPL:33.3%;TSLA:33.3%;MUB:33.3%,US:75.6;EU:5.7;APAC:11.2;EM:6.4;Other:1.0,Value:+1.0;Growth:-0.2;Quality:+1.0;Size:-0.4;Momentum:+0.9;LowVol:+0.2,,8,25,4.1,hard 12%,266,32.5,Sideways,19.1,4.36,2.5,133,-26,51,61,false,Rebalance,Shift +1% to bonds from equity,24,5,BrokerB,MKT,91,None,None,Normal monitoring,71,-33,154,5,false,Tax-aware sells next window
P3159,Cautious,IRA,USD,2024-09-24,353351,42336,311015,1.0,38.5,34.4,12.4,14.8,XLF:27.1%;AAPL:16.3%;IEF:16.0%;TLT:13.6%;QQQ:27.1%,US:75.9;EU:7.3;APAC:8.0;EM:5.1;Other:3.7,Value:0.0;Growth:+0.8;Quality:+0.9;Size:-0.0;Momentum:+0.8;LowVol:-0.6,ESGOnly;MaxPos7%;NoMargin,8,30,3.6,trailing 10%,93,15.2,Bull,15.6,4.63,2.9,117,23,64,29,false,NoAction,Within bands; monitor,-7,-1,BrokerA,MKT,0,None,None,Normal monitoring,43,-2,20,5,false,Monitor dispersion and breadth
P3160,Opportunistic,Taxable,USD,2024-09-19,911297,28218,883079,1.0,72.9,11.1,9.4,6.5,VTI:25.5%;XLF:25.5%;MSFT:23.4%;GLD:25.5%,US:64.4;EU:9.9;APAC:8.7;EM:11.8;Other:5.2,Value:+0.1;Growth:+0.3;Quality:-0.2;Size:-0.0;Momentum:-1.0;LowVol:+0.6,,5,35,5.7,trailing 7%,160,24.0,Bull,14.3,4.74,3.3,86,61,81,59,false,Rebalance,Shift +1% to bonds from equity,-6,-23,BrokerD,MKT,88,None,None,Normal monitoring,40,-58,87,4,false,Tax-aware sells next window
P3161,Active,Roth,USD,2024-09-10,1613970,109463,1504507,1.0,52.8,27.2,13.0,7.1,AAPL:33.3%;VTI:33.3%;IEF:33.3%,US:69.3;EU:12.5;APAC:9.3;EM:6.3;Other:2.5,Value:-0.2;Growth:+0.3;Quality:+0.7;Size:-0.7;Momentum:0.0;LowVol:-0.9,MaxPos8%,8,35,4.1,trailing 9%,195,16.4,Sideways,21.2,4.54,2.1,97,-20,33,46,false,Hedge,Add TLT +1% as duration hedge,12,-3,BrokerA,LMT,98,None,None,Normal monitoring,40,13,0,5,false,Monitor dispersion and breadth
P3162,Cautious,Trust,USD,2025-06-25,581313,47078,534235,1.0,49.3,38.1,0.0,12.6,MUB:27.0%;AAPL:27.0%;HYG:27.0%;VNQ:19.0%,US:66.3;EU:9.4;APAC:11.5;EM:9.2;Other:3.5,Value:+0.1;Growth:-0.5;Quality:-0.6;Size:-0.3;Momentum:-0.2;LowVol:-0.4,NoMargin,10,30,5.0,trailing 8%,151,12.7,Volatile,23.1,4.91,3.4,114,-24,40,61,false,Sell,Trim extended winner -1%,32,-9,BrokerB,MKT,95,None,None,Normal monitoring,-52,-58,3,5,false,Within IPS guidelines
P3163,Systematic,Taxable,USD,2024-11-19,692305,57557,634748,1.0,63.7,30.5,0.0,5.8,MUB:21.1%;VNQ:13.4%;BND:19.5%;BRK.B:12.8%;QQQ:21.1%;VOO:12.2%,US:75.3;EU:5.4;APAC:7.7;EM:9.7;Other:1.9,Value:-0.9;Growth:+0.9;Quality:-0.9;Size:-0.4;Momentum:-0.4;LowVol:+0.7,,7,25,4.8,trailing 9%,230,19.9,Volatile,28.3,5.12,4.3,173,52,88,80,true,Hedge,Buy index puts 1% notional,4,-1,BrokerC,MKT,99,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-57,20,23,5,false,Tax-aware sells next window
P3164,Hands-off,Roth,USD,2024-12-12,436961,26346,410615,1.0,58.6,30.0,5.1,6.3,AMZN:23.5%;HYG:25.5%;VNQ:25.5%;MUB:25.5%,US:72.5;EU:13.8;APAC:6.9;EM:5.2;Other:1.7,Value:+0.5;Growth:-0.5;Quality:+0.7;Size:+0.6;Momentum:+1.0;LowVol:+0.6,,5,35,4.6,trailing 8%,109,16.2,Sideways,18.8,4.38,3.0,90,2,45,59,false,Buy,Add to core equity +1%,5,-29,BrokerB,VWAP,97,None,None,Normal monitoring,-7,18,12,5,false,Increase defensive factor exposure
P3165,Systematic,IRA,USD,2024-10-15,850035,39892,810143,1.0,58.8,32.2,0.0,9.0,IEF:33.3%;TSLA:33.3%;VOO:33.3%,US:70.4;EU:8.2;APAC:10.3;EM:9.4;Other:1.7,Value:+0.2;Growth:-0.0;Quality:-0.4;Size:-0.1;Momentum:-0.8;LowVol:-0.2,,5,30,4.3,trailing 9%,174,17.5,Volatile,26.6,4.38,3.2,115,38,64,69,false,Sell,Trim extended winner -1%,30,7,BrokerD,LMT,97,None,None,Normal monitoring,66,-4,147,5,false,Tax-aware sells next window
P3166,Hands-off,IRA,USD,2025-12-20,703648,35940,667708,1.0,60.1,27.4,5.9,6.6,BND:33.3%;BRK.B:33.3%;MSFT:33.3%,US:63.1;EU:10.7;APAC:15.8;EM:9.0;Other:1.5,Value:+0.9;Growth:-0.1;Quality:+0.5;Size:+0.8;Momentum:-0.6;LowVol:+0.6,ESGOnly,5,35,3.3,hard 10%,121,19.8,Sideways,18.0,4.01,2.8,140,50,76,55,false,Hedge,Add TLT +1% as duration hedge,7,14,BrokerA,LMT,88,None,None,Normal monitoring,-3,-30,-40,5,false,Within IPS guidelines
P3167,Active,401k,USD,2025-01-24,1877061,222650,1654411,1.0,63.9,23.2,7.5,5.4,MSFT:22.3%;VNQ:22.3%;TSLA:18.5%;QQQ:22.3%;IEF:14.5%,US:65.9;EU:14.7;APAC:8.2;EM:8.8;Other:2.3,Value:+0.8;Growth:+0.5;Quality:+0.6;Size:-0.9;Momentum:0.0;LowVol:+0.2,NoDerivatives,6,25,5.9,trailing 8%,159,16.7,Bear,26.9,4.17,1.2,195,-82,6,63,false,Buy,Add to core equity +1%,12,-9,BrokerC,MKT,97,None,None,Normal monitoring,-12,-51,21,3,false,Increase defensive factor exposure
P3168,Active,IRA,USD,2025-12-15,811047,69064,741983,1.0,65.8,18.9,5.9,9.4,TLT:22.5%;HYG:11.2%;IEF:22.5%;BND:17.4%;AAPL:12.7%;AMZN:13.7%,US:66.1;EU:13.5;APAC:11.5;EM:4.9;Other:4.0,Value:+0.7;Growth:+0.5;Quality:+0.6;Size:-0.6;Momentum:-0.2;LowVol:+0.4,,5,35,5.1,trailing 8%,153,17.8,Sideways,17.2,4.77,3.2,116,34,75,46,false,Sell,Trim extended winner -1%,25,-38,BrokerA,VWAP,86,None,None,Normal monitoring,47,-7,38,4,false,Tax-aware sells next window
P3169,Active,IRA,USD,2025-05-22,1040615,122919,917696,1.0,57.1,20.9,13.2,8.8,GLD:33.3%;AAPL:33.3%;VOO:33.3%,US:63.4;EU:18.2;APAC:7.6;EM:8.5;Other:2.4,Value:+0.9;Growth:+0.6;Quality:-0.7;Size:+0.3;Momentum:-0.5;LowVol:+0.6,MaxPos6%,8,35,4.3,trailing 9%,171,25.0,Sideways,15.9,3.67,2.9,116,6,58,40,false,Buy,Add to core equity +1%,28,-2,BrokerD,LMT,87,None,None,Normal monitoring,-32,-32,78,4,false,Within IPS guidelines
P3170,Hands-off,Taxable,USD,2025-08-26,838461,53433,785028,1.0,59.0,25.5,9.6,5.9,MSFT:11.2%;BND:21.7%;VTI:12.2%;BRK.B:11.6%;VNQ:21.7%;XLF:21.7%,US:66.7;EU:10.1;APAC:15.9;EM:5.8;Other:1.4,Value:-0.7;Growth:+0.2;Quality:0.0;Size:-0.6;Momentum:-0.5;LowVol:-0.7,ESGOnly;MaxPos6%,10,30,4.4,trailing 10%,114,19.1,Sideways,18.1,4.42,3.4,138,11,47,57,false,Rebalance,Shift +1% to bonds from equity,-14,-21,BrokerB,LMT,91,None,None,Normal monitoring,-27,-31,43,3,false,Within IPS guidelines
P3171,Cautious,Trust,USD,2025-10-18,474946,41102,433844,1.0,37.0,34.9,12.9,15.3,XLF:25.0%;MUB:25.0%;MSFT:25.0%;TSLA:25.0%,US:66.7;EU:13.7;APAC:12.4;EM:5.3;Other:1.9,Value:-0.4;Growth:+0.3;Quality:+0.6;Size:+0.7;Momentum:-0.5;LowVol:-0.4,NoDerivatives;NoMargin,6,30,3.7,hard 10%,91,14.2,Sideways,17.9,4.85,3.2,138,-17,44,44,true,Rebalance,Rebalance back to target bands,25,-27,BrokerC,LMT,89,VAR>budget,TightenStops,Risk above budget threshold,-49,-54,-74,2,false,Tax-aware sells next window
P3172,Systematic,Trust,USD,2025-08-30,552428,32808,519620,1.0,61.9,21.7,7.2,9.3,IEF:21.5%;TSLA:6.6%;VTI:14.9%;BRK.B:21.5%;AMZN:21.5%;MSFT:14.1%,US:61.9;EU:15.6;APAC:13.1;EM:7.1;Other:2.4,Value:+0.4;Growth:-0.1;Quality:+0.1;Size:+0.7;Momentum:+0.1;LowVol:-0.2,MaxPos5%,5,25,5.6,hard 12%,128,19.0,Bear,30.8,4.33,2.8,168,-16,34,77,true,Reduce,"Cut high-beta by 2-3%, add cash",26,8,BrokerA,MKT,86,Drift>tolerance,Pause,Allocation drift beyond policy bands,-4,-22,-39,4,false,Tighten stops on momentum names
P3173,Opportunistic,Trust,USD,2025-08-22,503019,19288,483731,1.0,62.4,19.4,11.9,6.3,AMZN:22.0%;MSFT:26.6%;AAPL:26.6%;XLF:24.7%,US:63.4;EU:9.1;APAC:12.4;EM:10.8;Other:4.3,Value:+0.5;Growth:+0.9;Quality:+0.2;Size:-0.1;Momentum:+0.8;LowVol:+0.7,MaxPos5%,8,25,4.1,trailing 7%,180,23.8,Volatile,24.5,3.94,2.1,124,32,78,65,false,Buy,Add to core equity +1%,2,-16,BrokerB,LMT,90,None,None,Normal monitoring,64,-50,204,4,false,Within IPS guidelines
P3174,Hands-off,IRA,USD,2025-02-15,455726,19343,436383,1.0,59.7,29.8,2.9,7.6,QQQ:24.7%;TLT:10.7%;GLD:24.7%;AAPL:15.1%;XLF:24.7%,US:67.0;EU:11.0;APAC:9.6;EM:8.1;Other:4.4,Value:+0.8;Growth:-0.9;Quality:+0.5;Size:-0.0;Momentum:0.0;LowVol:+0.4,,10,35,3.3,trailing 8%,96,17.0,Volatile,23.4,4.24,2.7,169,-45,13,72,true,Hedge,Buy index puts 1% notional,-12,-23,BrokerD,LMT,94,VAR>budget,Reduce,Risk above budget threshold,58,-25,196,4,false,Monitor dispersion and breadth
P3175,Cautious,Roth,USD,2024-09-19,545322,57935,487387,1.0,46.1,41.3,0.0,12.7,TLT:16.2%;QQQ:23.9%;VOO:16.9%;MUB:19.2%;TSLA:23.9%,US:68.9;EU:11.0;APAC:11.0;EM:8.6;Other:0.5,Value:-0.7;Growth:-0.4;Quality:+0.4;Size:-0.1;Momentum:+1.0;LowVol:+0.7,ESGOnly;NoDerivatives;NoMargin,5,35,3.9,trailing 10%,160,12.4,Bull,15.0,4.25,3.0,109,41,61,38,true,Hedge,Buy index puts 1% notional,-10,-28,BrokerA,VWAP,94,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-44,-2,85,2,false,Increase defensive factor exposure
P3176,Cautious,Trust,USD,2025-09-15,260155,37826,222329,1.0,35.9,44.4,8.5,11.3,VOO:13.4%;MSFT:20.7%;TSLA:14.0%;QQQ:20.7%;HYG:10.6%;IEF:20.7%,US:70.7;EU:6.5;APAC:11.6;EM:8.3;Other:2.9,Value:+0.6;Growth:+0.1;Quality:-0.8;Size:+0.1;Momentum:-0.8;LowVol:-0.1,ESGOnly;MaxPos8%;NoMargin,10,35,6.0,trailing 10%,157,12.1,Bull,12.6,4.63,2.7,120,18,46,27,false,Hedge,Add TLT +1% as duration hedge,23,-10,BrokerC,VWAP,97,None,None,Normal monitoring,78,10,70,5,false,Tighten stops on momentum names
P3177,Active,Roth,USD,2025-08-08,2196288,144988,2051300,1.0,59.3,18.0,16.0,6.7,VNQ:18.6%;QQQ:22.3%;HYG:15.9%;XLF:22.3%;TSLA:20.9%,US:60.5;EU:20.2;APAC:5.9;EM:8.8;Other:4.7,Value:-0.9;Growth:-0.5;Quality:-0.3;Size:-0.2;Momentum:-0.4;LowVol:+1.0,NoDerivatives,7,30,4.3,hard 12%,158,27.8,Sideways,18.2,4.79,3.1,111,-8,41,53,false,Buy,Add to core equity +1%,-4,-17,BrokerB,MKT,88,None,None,Normal monitoring,31,-51,-2,3,false,Within IPS guidelines
P3178,Cautious,401k,USD,2025-05-09,883920,96390,787530,1.0,47.5,35.4,0.0,17.1,HYG:33.3%;VNQ:33.3%;BND:33.3%,US:67.5;EU:12.7;APAC:10.7;EM:5.5;Other:3.6,Value:-0.0;Growth:-0.5;Quality:+0.9;Size:+0.8;Momentum:-0.3;LowVol:+0.7,ESGOnly;MaxPos6%;NoMargin,7,35,5.4,hard 10%,107,16.3,Sideways,18.4,4.87,2.1,95,19,60,39,false,Rebalance,Shift +1% to bonds from equity,22,-33,BrokerD,MKT,98,None,None,Normal monitoring,-45,-58,25,5,false,Tax-aware sells next window
P3179,Active,Trust,USD,2025-04-27,1221566,85999,1135567,1.09,55.4,30.7,7.2,6.7,IEF:22.5%;VTI:17.6%;MSFT:22.5%;VOO:19.7%;VNQ:17.8%,US:65.6;EU:16.4;APAC:12.8;EM:4.6;Other:0.6,Value:-0.1;Growth:+0.8;Quality:+0.3;Size:+0.7;Momentum:+0.1;LowVol:+0.7,,7,30,4.7,trailing 8%,210,20.5,Bull,11.9,3.63,3.1,75,34,82,42,false,Buy,Add to core equity +1%,19,-3,BrokerC,LMT,93,None,None,Normal monitoring,62,-18,183,5,false,Increase defensive factor exposure
P3180,Systematic,Roth,USD,2025-11-15,1526459,81517,1444942,1.0,63.4,28.2,2.8,5.5,VTI:19.9%;QQQ:14.5%;VOO:21.3%;BND:14.0%;AAPL:21.3%;XLF:9.1%,US:70.7;EU:10.5;APAC:7.2;EM:11.6;Other:0.0,Value:+0.7;Growth:-0.2;Quality:-0.3;Size:+0.1;Momentum:+0.7;LowVol:-0.3,MaxPos8%,7,25,5.8,trailing 9%,164,23.5,Bull,14.3,4.03,3.4,109,116,100,56,false,Rebalance,Shift +1% to bonds from equity,2,-33,BrokerD,MKT,96,None,None,Normal monitoring,-8,-43,-3,3,false,Increase defensive factor exposure
P3181,Active,Taxable,USD,2024-10-04,1046901,77222,969679,1.0,53.2,31.0,6.1,9.7,VOO:25.7%;XLF:11.9%;HYG:23.2%;VNQ:13.6%;AMZN:25.7%,US:62.0;EU:14.4;APAC:8.0;EM:12.8;Other:2.9,Value:-0.9;Growth:+0.5;Quality:-0.8;Size:-0.4;Momentum:+0.9;LowVol:+0.1,MaxPos6%,7,25,5.7,trailing 9%,171,26.7,Volatile,24.1,4.72,3.0,123,50,82,54,false,Buy,Add to core equity +1%,31,-11,BrokerB,MKT,97,None,None,Normal monitoring,105,-34,192,5,false,Monitor dispersion and breadth
P3182,Systematic,IRA,USD,2025-03-11,427117,19664,407453,1.0,65.6,22.8,2.7,8.9,MSFT:33.3%;AAPL:33.3%;HYG:33.3%,US:64.3;EU:9.2;APAC:16.3;EM:5.3;Other:4.8,Value:+0.2;Growth:-0.6;Quality:+0.8;Size:-0.6;Momentum:-0.3;LowVol:-0.4,,8,30,4.7,trailing 8%,141,25.8,Volatile,25.0,3.94,3.5,144,-17,54,60,false,Rebalance,Shift +1% to bonds from equity,31,-15,BrokerA,MKT,92,None,None,Normal monitoring,29,-28,55,5,false,Tighten stops on momentum names
P3183,Cautious,401k,USD,2025-11-11,325204,45480,279724,1.0,39.4,41.9,2.8,15.8,TSLA:33.3%;HYG:33.3%;MUB:33.3%,US:73.6;EU:14.4;APAC:5.9;EM:4.6;Other:1.6,Value:-0.0;Growth:-0.9;Quality:+0.3;Size:-0.6;Momentum:-0.0;LowVol:-0.6,ESGOnly;MaxPos8%;NoDerivatives;NoMargin,7,35,5.9,trailing 10%,168,13.4,Volatile,26.3,3.52,4.4,115,-16,35,47,false,Rebalance,Shift +1% to bonds from equity,34,-12,BrokerA,LMT,100,None,None,Normal monitoring,-50,-38,64,3,false,Tax-aware sells next window
P3184,Hands-off,Taxable,USD,2025-02-15,667255,40832,626423,1.0,70.3,15.2,8.2,6.3,VOO:22.8%;TLT:16.8%;QQQ:22.8%;VTI:14.7%;HYG:22.8%,US:68.6;EU:14.1;APAC:9.3;EM:3.8;Other:4.2,Value:-0.7;Growth:+1.0;Quality:+0.8;Size:+0.4;Momentum:+0.6;LowVol:-0.9,ESGOnly;MaxPos7%,5,35,5.5,hard 10%,121,15.7,Bear,33.2,3.46,1.3,179,-42,35,92,true,Reduce,"Cut high-beta by 2-3%, add cash",-9,-30,BrokerB,MKT,99,Drift>tolerance,Hedge,Allocation drift beyond policy bands,67,1,104,3,false,Tax-aware sells next window
P3185,Cautious,Roth,USD,2024-07-22,209742,32454,177288,1.0,45.0,32.7,9.7,12.6,XLF:22.1%;VOO:27.1%;VNQ:23.8%;AMZN:27.1%,US:61.0;EU:17.1;APAC:10.5;EM:8.8;Other:2.6,Value:-0.3;Growth:-0.9;Quality:-0.1;Size:-0.5;Momentum:+0.2;LowVol:-0.5,ESGOnly;MaxPos5%;NoMargin,8,30,4.5,hard 10%,168,18.2,Bear,25.2,4.47,2.3,153,3,59,53,false,NoAction,Within bands; monitor,22,-19,BrokerB,LMT,94,None,None,Normal monitoring,6,6,123,4,false,Tax-aware sells next window
P3186,Hands-off,Roth,USD,2024-07-08,222355,18530,203825,1.0,66.6,22.2,4.7,6.5,GLD:23.8%;TLT:26.1%;BRK.B:23.9%;MUB:26.1%,US:67.5;EU:10.9;APAC:12.4;EM:5.7;Other:3.4,Value:+0.7;Growth:-0.8;Quality:+0.7;Size:-0.7;Momentum:-0.0;LowVol:-0.9,ESGOnly,7,30,3.9,hard 10%,129,15.6,Sideways,17.6,4.24,3.3,119,-4,62,62,false,Sell,Trim extended winner -1%,-5,15,BrokerD,LMT,90,None,None,Normal monitoring,104,-32,242,4,false,Within IPS guidelines
P3187,Opportunistic,401k,USD,2025-09-08,994418,32392,962026,1.0,61.1,14.6,19.8,4.5,MUB:33.3%;VOO:33.3%;BRK.B:33.3%,US:57.3;EU:16.6;APAC:11.0;EM:11.0;Other:4.1,Value:0.0;Growth:+0.4;Quality:-0.5;Size:-0.5;Momentum:-0.6;LowVol:-0.2,,8,35,5.5,trailing 7%,221,29.3,Bear,34.7,3.89,2.2,203,-115,5,89,true,Hedge,Buy index puts 1% notional,-12,-15,BrokerA,MKT,93,Drift>tolerance,Hedge,Allocation drift beyond policy bands,86,-20,226,2,false,Increase defensive factor exposure
P3188,Hands-off,Taxable,USD,2024-11-11,587704,53847,533857,1.0,66.2,28.3,0.0,5.5,TSLA:15.0%;VTI:17.2%;GLD:11.9%;BRK.B:20.1%;BND:19.8%;MUB:16.0%,US:63.3;EU:7.6;APAC:11.2;EM:14.3;Other:3.6,Value:-0.5;Growth:+0.6;Quality:+0.3;Size:-0.9;Momentum:-0.5;LowVol:-0.3,,7,35,4.1,hard 10%,150,13.4,Bear,31.0,3.8,1.3,174,-45,25,71,true,Reduce,"Cut high-beta by 2-3%, add cash",35,-38,BrokerA,VWAP,87,RegimeShift,Reduce,Volatility spike and breadth deterioration,73,6,152,2,false,Tax-aware sells next window
P3189,Active,Taxable,USD,2025-07-07,2229472,180936,2048536,1.18,69.7,21.3,1.1,7.9,TLT:25.0%;MSFT:25.0%;XLF:25.0%;AAPL:25.0%,US:70.9;EU:6.4;APAC:12.2;EM:9.3;Other:1.3,Value:+0.1;Growth:0.0;Quality:-0.6;Size:+0.1;Momentum:-0.7;LowVol:-0.1,,5,30,5.0,trailing 9%,189,20.3,Volatile,21.5,5.22,2.3,127,79,80,63,false,Hedge,Add TLT +1% as duration hedge,25,-28,BrokerC,LMT,94,None,None,Normal monitoring,-47,-3,-72,3,false,Monitor dispersion and breadth
P3190,Systematic,Taxable,USD,2024-12-15,1310343,100746,1209597,1.0,55.9,29.1,10.0,5.1,BND:20.1%;BRK.B:14.1%;TSLA:14.7%;AMZN:14.8%;IEF:14.2%;GLD:22.0%,US:64.3;EU:14.7;APAC:11.2;EM:9.2;Other:0.5,Value:-1.0;Growth:-0.9;Quality:-0.2;Size:+0.8;Momentum:-0.2;LowVol:+0.8,MaxPos7%,6,30,4.2,trailing 9%,121,20.2,Volatile,29.2,4.39,4.0,167,4,53,81,true,Reduce,"Cut high-beta by 2-3%, add cash",-12,-3,BrokerD,LMT,96,VAR>budget,TightenStops,Risk above budget threshold,113,-56,189,2,false,Increase defensive factor exposure
P3191,Cautious,401k,USD,2025-02-04,254768,31203,223565,1.0,41.1,35.1,8.0,15.8,AAPL:25.0%;QQQ:25.0%;MSFT:25.0%;XLF:25.0%,US:63.7;EU:8.4;APAC:16.9;EM:9.2;Other:1.8,Value:-0.6;Growth:-0.1;Quality:-0.9;Size:+0.8;Momentum:0.0;LowVol:-0.8,MaxPos7%;NoMargin,6,25,4.4,trailing 8%,150,15.9,Bull,16.8,3.85,2.7,90,65,67,30,false,Rebalance,Shift +1% to bonds from equity,31,-27,BrokerB,MKT,94,None,None,Normal monitoring,26,-12,-14,5,false,Within IPS guidelines
P3192,Opportunistic,Trust,USD,2024-10-29,959924,59333,900591,1.0,70.6,16.2,8.1,5.1,AAPL:33.3%;GLD:33.3%;QQQ:33.3%,US:56.1;EU:15.2;APAC:15.3;EM:10.1;Other:3.3,Value:-0.5;Growth:-0.9;Quality:-0.9;Size:+0.5;Momentum:-0.2;LowVol:+0.4,,5,25,6.8,trailing 7%,196,23.3,Bear,29.4,3.08,2.3,160,12,64,81,true,Rebalance,Rebalance back to target bands,29,2,BrokerA,MKT,85,RegimeShift,Reduce,Volatility spike and breadth deterioration,116,-4,79,2,false,Tax-aware sells next window
P3193,Cautious,Roth,USD,2025-04-11,846666,101410,745256,1.0,41.0,33.8,15.0,10.2,MUB:33.3%;VOO:33.3%;BND:33.3%,US:70.1;EU:15.5;APAC:7.9;EM:3.0;Other:3.4,Value:-1.0;Growth:-0.1;Quality:-0.1;Size:-0.1;Momentum:-0.6;LowVol:+0.3,MaxPos8%;NoMargin,5,35,3.6,hard 10%,121,18.1,Volatile,28.1,5.39,3.5,159,-58,36,58,false,Rebalance,Shift +1% to bonds from equity,12,-9,BrokerB,VWAP,90,None,None,Normal monitoring,-25,-14,-60,4,false,Monitor dispersion and breadth
P3194,Active,Roth,USD,2024-11-14,2288018,223892,2064126,1.0,51.2,24.6,14.7,9.4,BRK.B:11.5%;MUB:14.5%;VOO:19.6%;XLF:15.7%;TLT:20.2%;TSLA:18.6%,US:64.3;EU:16.5;APAC:9.8;EM:5.8;Other:3.6,Value:-0.5;Growth:+0.7;Quality:-0.8;Size:-0.3;Momentum:+0.1;LowVol:+0.5,NoDerivatives,6,35,4.4,trailing 9%,136,26.9,Sideways,18.3,4.6,3.0,103,18,53,39,false,Rebalance,Shift +1% to bonds from equity,17,8,BrokerB,LMT,95,None,None,Normal monitoring,-29,-41,-27,3,false,Increase defensive factor exposure
P3195,Opportunistic,Trust,USD,2025-12-10,1146116,41883,1104233,1.0,66.6,19.1,9.6,4.7,VNQ:17.6%;TSLA:19.0%;BRK.B:21.3%;GLD:10.0%;TLT:21.3%;IEF:10.8%,US:70.1;EU:12.0;APAC:7.6;EM:9.4;Other:1.0,Value:-0.6;Growth:-0.2;Quality:+0.7;Size:-0.4;Momentum:-0.3;LowVol:0.0,MaxPos6%;NoDerivatives,5,30,5.0,trailing 7%,197,25.5,Volatile,21.5,5.3,2.9,143,24,47,66,false,Buy,Add to core equity +1%,-8,4,BrokerA,MKT,96,None,None,Normal monitoring,68,16,163,4,false,Tax-aware sells next window
P3196,Active,Roth,USD,2025-06-02,501255,45261,455994,1.0,64.9,25.4,4.0,5.7,VOO:24.9%;TSLA:25.0%;QQQ:25.0%;MSFT:25.0%,US:76.1;EU:8.8;APAC:8.5;EM:4.6;Other:2.0,Value:+0.1;Growth:+0.7;Quality:-0.1;Size:-0.8;Momentum:+0.1;LowVol:-0.7,NoDerivatives,7,30,5.9,hard 12%,174,16.6,Sideways,20.5,4.39,3.3,111,34,78,68,false,Buy,Add to core equity +1%,4,-1,BrokerA,VWAP,93,None,None,Normal monitoring,-2,-60,18,4,false,Increase defensive factor exposure
P3197,Active,401k,USD,2024-10-26,1625769,170348,1455421,1.0,55.1,29.9,6.9,8.1,MUB:35.3%;VNQ:29.5%;XLF:35.3%,US:67.8;EU:6.5;APAC:13.7;EM:7.9;Other:4.1,Value:+0.7;Growth:-0.6;Quality:-0.3;Size:+0.3;Momentum:-0.6;LowVol:-0.3,MaxPos6%;NoDerivatives,8,25,4.7,trailing 8%,201,23.4,Sideways,21.6,4.0,2.0,131,13,69,56,false,Buy,Add to core equity +1%,15,9,BrokerB,LMT,100,None,None,Normal monitoring,104,5,183,5,false,Tax-aware sells next window
P3198,Cautious,Trust,USD,2024-12-07,313581,47597,265984,1.0,47.9,34.0,6.8,11.4,TSLA:25.3%;VOO:21.7%;MUB:26.5%;HYG:26.5%,US:66.3;EU:15.0;APAC:11.6;EM:5.7;Other:1.3,Value:+0.4;Growth:-1.0;Quality:+0.4;Size:-0.5;Momentum:-0.3;LowVol:+0.9,NoMargin,10,35,4.9,trailing 10%,130,18.0,Volatile,29.7,3.56,3.3,132,-31,35,61,true,Hedge,Buy index puts 1% notional,2,14,BrokerB,MKT,96,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-2,-42,14,5,false,Tax-aware sells next window
P3199,Systematic,Roth,USD,2025-06-25,418486,19411,399075,1.0,66.4,27.7,0.0,5.9,VOO:23.3%;TSLA:18.0%;GLD:23.3%;AMZN:23.3%;QQQ:12.3%,US:68.5;EU:10.5;APAC:11.4;EM:6.2;Other:3.4,Value:+0.2;Growth:-0.7;Quality:-0.6;Size:+0.3;Momentum:+0.5;LowVol:+0.5,MaxPos7%;NoDerivatives,5,30,5.4,trailing 8%,225,18.5,Volatile,26.2,4.02,3.3,170,15,61,62,true,Rebalance,Rebalance back to target bands,0,-17,BrokerB,LMT,94,Drift>tolerance,Hedge,Allocation drift beyond policy bands,111,-44,143,2,false,Increase defensive factor exposure
P3200,Hands-off,IRA,USD,2024-11-11,563277,23321,539956,1.0,61.0,24.3,7.3,7.5,IEF:14.7%;GLD:28.4%;HYG:28.4%;QQQ:28.4%,US:69.2;EU:14.8;APAC:5.7;EM:7.7;Other:2.5,Value:+0.9;Growth:+0.4;Quality:-0.9;Size:-0.6;Momentum:-0.0;LowVol:-0.3,MaxPos5%;NoDerivatives,6,30,5.1,trailing 8%,119,18.6,Volatile,30.2,3.55,4.2,120,54,70,85,true,Reduce,"Cut high-beta by 2-3%, add cash",15,-24,BrokerC,MKT,87,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-29,7,-50,3,false,Tax-aware sells next window
P3201,Hands-off,Taxable,USD,2025-04-24,185411,18226,167185,1.0,66.4,26.3,0.0,7.2,MUB:10.6%;XLF:22.9%;VNQ:20.8%;IEF:22.9%;TSLA:22.9%,US:72.7;EU:6.0;APAC:6.5;EM:11.9;Other:2.8,Value:-0.7;Growth:+0.8;Quality:-0.9;Size:+0.3;Momentum:-0.8;LowVol:-0.5,NoDerivatives,7,25,4.7,trailing 10%,97,18.9,Sideways,15.6,4.32,2.5,124,16,50,61,false,Rebalance,Shift +1% to bonds from equity,31,1,BrokerD,MKT,98,None,None,Normal monitoring,22,-12,-18,4,false,Increase defensive factor exposure
P3202,Systematic,Roth,USD,2025-05-31,896667,67570,829097,1.0,59.8,27.7,7.4,5.1,HYG:33.3%;BRK.B:33.3%;GLD:33.3%,US:63.9;EU:8.4;APAC:15.4;EM:10.3;Other:1.9,Value:+0.1;Growth:+0.1;Quality:+0.4;Size:+0.7;Momentum:+0.7;LowVol:-1.0,NoDerivatives,7,35,4.4,trailing 9%,172,26.8,Bull,15.3,4.9,3.1,79,58,85,41,false,Rebalance,Shift +1% to bonds from equity,14,-23,BrokerD,MKT,88,None,None,Normal monitoring,-46,16,-22,5,false,Monitor dispersion and breadth
P3203,Active,IRA,USD,2024-12-03,2472827,231592,2241235,1.0,65.5,27.4,0.0,7.1,HYG:25.0%;MSFT:25.0%;XLF:25.0%;BND:25.0%,US:67.6;EU:17.9;APAC:10.3;EM:4.1;Other:0.0,Value:+0.7;Growth:-0.3;Quality:+0.2;Size:+0.3;Momentum:0.0;LowVol:+0.9,MaxPos8%,10,30,4.4,trailing 9%,137,18.9,Sideways,17.8,3.62,3.4,134,13,50,51,false,Rebalance,Shift +1% to bonds from equity,-7,-1,BrokerC,MKT,94,None,None,Normal monitoring,119,-39,259,5,false,Within IPS guidelines
P3204,Opportunistic,Trust,USD,2025-02-19,816456,51280,765176,1.0,62.4,15.5,13.5,8.6,BRK.B:27.0%;XLF:19.0%;HYG:27.0%;AAPL:27.0%,US:68.1;EU:13.7;APAC:8.3;EM:8.5;Other:1.4,Value:+0.3;Growth:+0.7;Quality:-0.8;Size:-0.9;Momentum:-0.0;LowVol:-0.8,MaxPos6%,10,25,5.5,trailing 7%,180,24.4,Bear,33.3,3.52,1.5,168,-57,25,75,true,Hedge,Buy index puts 1% notional,-14,7,BrokerA,MKT,88,Drift>tolerance,Pause,Allocation drift beyond policy bands,33,-1,55,5,false,Tighten stops on momentum names
P3205,Cautious,Roth,USD,2025-05-21,300716,44531,256185,1.0,41.6,42.9,0.0,15.5,GLD:15.4%;MUB:14.3%;QQQ:23.4%;BND:23.4%;TSLA:23.4%,US:68.9;EU:10.1;APAC:11.0;EM:5.6;Other:4.4,Value:+0.1;Growth:-0.3;Quality:-0.3;Size:+0.1;Momentum:+0.3;LowVol:+0.8,ESGOnly;MaxPos7%;NoMargin,5,25,4.7,trailing 8%,117,18.6,Sideways,22.0,3.76,2.2,100,22,53,50,false,Rebalance,Shift +1% to bonds from equity,35,-2,BrokerC,MKT,95,None,None,Normal monitoring,100,17,193,5,false,Monitor dispersion and breadth
P3206,Cautious,IRA,USD,2024-11-23,350980,33357,317623,1.0,47.6,38.4,0.0,14.0,AAPL:15.3%;HYG:9.2%;AMZN:22.2%;VNQ:15.3%;XLF:15.7%;VOO:22.2%,US:64.5;EU:7.3;APAC:16.1;EM:10.8;Other:1.4,Value:+0.4;Growth:0.0;Quality:+0.8;Size:+0.5;Momentum:+0.2;LowVol:-0.3,NoDerivatives;NoMargin,6,25,5.1,trailing 8%,145,17.5,Volatile,20.4,4.34,2.7,180,53,84,54,false,Sell,Trim extended winner -1%,35,-33,BrokerA,LMT,90,None,None,Normal monitoring,83,-40,90,3,false,Tax-aware sells next window
P3207,Systematic,Roth,USD,2025-05-09,1546141,110701,1435440,1.0,61.5,33.5,0.0,5.0,GLD:25.0%;VOO:25.0%;AMZN:25.0%;XLF:25.0%,US:64.6;EU:6.8;APAC:15.3;EM:12.7;Other:0.6,Value:-0.5;Growth:+0.8;Quality:-0.1;Size:+0.2;Momentum:-0.2;LowVol:-0.4,,10,30,4.9,trailing 9%,196,27.6,Bull,13.2,4.46,2.7,104,17,59,36,false,NoAction,Within bands; monitor,28,-6,BrokerD,MKT,0,None,None,Normal monitoring,76,-11,85,4,false,Monitor dispersion and breadth
P3208,Cautious,IRA,USD,2025-06-10,697196,85384,611812,1.0,53.0,33.8,1.4,11.7,VNQ:27.3%;AMZN:27.3%;MUB:18.1%;HYG:27.3%,US:61.0;EU:18.2;APAC:13.7;EM:6.2;Other:0.9,Value:-0.7;Growth:+0.1;Quality:-0.8;Size:+0.1;Momentum:+0.2;LowVol:-0.2,NoDerivatives;NoMargin,6,25,4.0,trailing 8%,118,15.3,Bear,27.4,4.41,2.2,152,-94,10,66,true,Reduce,"Cut high-beta by 2-3%, add cash",-11,-12,BrokerD,MKT,99,RegimeShift,Reduce,Volatility spike and breadth deterioration,61,-12,30,2,false,Tax-aware sells next window
P3209,Cautious,Roth,USD,2025-07-18,785764,76855,708909,1.0,45.1,30.9,9.6,14.4,BND:33.3%;TLT:33.3%;GLD:33.3%,US:71.1;EU:5.2;APAC:12.0;EM:8.6;Other:3.0,Value:-0.7;Growth:+0.7;Quality:-0.5;Size:+0.5;Momentum:+0.4;LowVol:-0.5,NoMargin,7,35,4.0,hard 10%,141,13.9,Volatile,22.3,4.91,2.9,175,24,61,48,false,Buy,Add to core equity +1%,0,-6,BrokerD,MKT,88,None,None,Normal monitoring,-47,-27,77,3,false,Increase defensive factor exposure
P3210,Hands-off,401k,USD,2025-12-18,608051,50738,557313,1.0,63.8,28.0,0.0,8.2,MSFT:23.2%;GLD:21.8%;MUB:15.1%;AMZN:23.2%;VTI:16.7%,US:65.5;EU:12.2;APAC:8.5;EM:12.7;Other:1.2,Value:-0.4;Growth:-0.6;Quality:-0.2;Size:+0.2;Momentum:-0.5;LowVol:-0.1,ESGOnly,7,35,5.4,hard 10%,98,13.6,Bull,12.3,4.08,3.1,78,8,65,49,false,NoAction,Within bands; monitor,8,1,BrokerB,VWAP,93,None,None,Normal monitoring,119,-31,190,5,false,Within IPS guidelines
P3211,Hands-off,IRA,USD,2024-10-16,790705,74548,716157,1.0,66.9,25.4,0.0,7.7,AAPL:25.9%;XLF:22.4%;TLT:25.9%;BRK.B:25.9%,US:66.6;EU:9.5;APAC:12.8;EM:10.8;Other:0.2,Value:-1.0;Growth:-0.9;Quality:-0.6;Size:-0.2;Momentum:-0.2;LowVol:-0.8,NoDerivatives,10,35,3.7,trailing 8%,90,14.0,Volatile,21.8,4.61,2.1,152,-33,24,55,false,Buy,Add to core equity +1%,19,-14,BrokerB,LMT,92,None,None,Normal monitoring,-4,-23,-1,3,false,Tighten stops on momentum names
P3212,Hands-off,401k,USD,2025-07-04,461108,23407,437701,1.0,70.8,21.4,0.0,7.7,QQQ:27.7%;MSFT:36.2%;VOO:36.2%,US:76.0;EU:7.7;APAC:10.8;EM:3.4;Other:2.0,Value:-0.6;Growth:+0.9;Quality:+0.3;Size:-0.3;Momentum:+0.6;LowVol:+0.3,,8,30,5.7,hard 10%,170,13.7,Sideways,20.0,4.48,2.7,124,34,80,69,false,Sell,Trim extended winner -1%,7,3,BrokerD,MKT,96,None,None,Normal monitoring,48,3,177,4,false,Monitor dispersion and breadth
P3213,Opportunistic,Taxable,USD,2025-11-27,737550,64598,672952,1.14,70.8,20.4,2.3,6.6,TSLA:20.4%;BND:13.2%;VNQ:10.2%;AAPL:15.6%;BRK.B:20.4%;GLD:20.2%,US:67.7;EU:5.9;APAC:11.4;EM:10.2;Other:4.8,Value:+0.7;Growth:-1.0;Quality:+0.8;Size:+0.9;Momentum:+0.7;LowVol:+0.2,MaxPos6%,10,30,5.2,trailing 9%,204,28.2,Bear,27.0,4.29,2.8,157,-83,20,73,true,Hedge,Buy index puts 1% notional,8,-31,BrokerB,LMT,92,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,22,11,121,5,false,Increase defensive factor exposure
P3214,Cautious,Trust,USD,2024-09-24,369172,33535,335637,1.0,41.4,39.4,8.3,10.9,GLD:27.6%;IEF:27.6%;AAPL:27.6%;VOO:17.2%,US:66.7;EU:16.3;APAC:9.7;EM:5.4;Other:1.9,Value:-0.7;Growth:-0.8;Quality:+0.7;Size:+0.3;Momentum:+0.3;LowVol:-0.4,NoDerivatives;NoMargin,5,25,3.3,trailing 8%,120,14.0,Sideways,19.7,3.75,2.1,111,54,90,48,false,Buy,Add to core equity +1%,-3,6,BrokerA,MKT,100,None,None,Normal monitoring,73,10,94,4,false,Monitor dispersion and breadth
P3215,Cautious,401k,USD,2025-07-01,387774,62035,325739,1.0,46.7,38.9,4.1,10.3,QQQ:19.7%;IEF:26.8%;TLT:26.8%;BND:26.8%,US:66.6;EU:16.2;APAC:6.4;EM:7.9;Other:2.9,Value:+0.7;Growth:+0.5;Quality:+0.1;Size:-0.9;Momentum:+0.7;LowVol:-0.2,NoMargin,5,35,5.8,trailing 8%,113,18.4,Volatile,30.8,3.97,3.3,117,68,93,77,true,Reduce,"Cut high-beta by 2-3%, add cash",12,-16,BrokerB,MKT,97,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-43,-12,7,3,false,Within IPS guidelines
P3216,Opportunistic,Trust,USD,2024-11-01,1302119,44055,1258064,1.0,72.4,10.5,12.9,4.2,TSLA:21.8%;QQQ:21.8%;TLT:14.2%;HYG:20.4%;GLD:21.8%,US:65.6;EU:18.2;APAC:7.6;EM:7.1;Other:1.5,Value:+0.5;Growth:+0.9;Quality:-0.2;Size:-0.7;Momentum:+0.1;LowVol:-0.2,,10,35,6.1,trailing 7%,193,27.3,Sideways,17.5,4.14,2.6,139,46,84,56,false,Buy,Add to core equity +1%,22,5,BrokerA,MKT,90,None,None,Normal monitoring,10,-42,52,5,false,Tax-aware sells next window
P3217,Opportunistic,Roth,USD,2024-11-19,363290,28131,335159,1.0,65.6,15.4,10.3,8.7,VOO:33.3%;IEF:33.3%;VTI:33.3%,US:62.1;EU:14.8;APAC:9.1;EM:10.9;Other:3.1,Value:+0.9;Growth:+0.2;Quality:+0.3;Size:+0.3;Momentum:-0.2;LowVol:0.0,MaxPos7%,8,25,6.9,hard 12%,195,32.1,Sideways,15.8,4.73,2.7,110,49,75,40,false,Hedge,Add TLT +1% as duration hedge,4,-12,BrokerB,MKT,95,None,None,Normal monitoring,49,-6,123,4,false,Tax-aware sells next window
P3218,Active,401k,USD,2025-04-27,1938547,219176,1719371,1.13,50.3,25.2,15.2,9.4,MSFT:18.2%;VTI:19.1%;HYG:17.2%;TLT:20.8%;VNQ:7.0%;VOO:17.7%,US:69.9;EU:6.4;APAC:8.4;EM:11.8;Other:3.5,Value:-0.9;Growth:+0.2;Quality:+0.3;Size:-0.1;Momentum:+0.1;LowVol:+0.4,,7,35,4.6,trailing 8%,207,26.6,Bull,14.1,3.75,2.7,80,49,77,46,false,Sell,Trim extended winner -1%,-4,-11,BrokerD,MKT,89,None,None,Normal monitoring,56,-28,49,3,false,Within IPS guidelines
P3219,Active,Taxable,USD,2025-05-04,2306244,226740,2079504,1.17,56.5,29.1,7.6,6.8,TSLA:25.7%;QQQ:25.7%;MUB:25.4%;IEF:23.1%,US:72.0;EU:13.4;APAC:9.0;EM:3.5;Other:2.2,Value:+0.3;Growth:-0.2;Quality:-0.7;Size:+1.0;Momentum:+0.4;LowVol:+0.5,,10,35,4.3,trailing 8%,175,22.2,Bull,16.4,4.86,2.3,92,9,58,39,false,Rebalance,Shift +1% to bonds from equity,8,3,BrokerD,VWAP,90,None,None,Normal monitoring,-46,4,7,4,false,Tax-aware sells next window
P3220,Cautious,Trust,USD,2025-09-08,537583,43356,494227,1.0,44.5,39.1,0.0,16.3,GLD:33.3%;IEF:33.3%;BRK.B:33.3%,US:70.9;EU:11.9;APAC:6.4;EM:10.7;Other:0.0,Value:+0.3;Growth:+0.6;Quality:-1.0;Size:-0.0;Momentum:+0.2;LowVol:-0.4,ESGOnly;NoMargin,8,35,3.9,trailing 8%,167,16.1,Bear,33.2,4.2,1.9,130,27,58,63,false,Sell,Trim extended winner -1%,34,15,BrokerA,MKT,95,None,None,Normal monitoring,15,-11,59,5,false,Within IPS guidelines
P3221,Active,Taxable,USD,2025-12-23,1254062,101853,1152209,1.0,67.0,26.9,0.0,6.1,XLF:20.0%;MUB:7.0%;VTI:20.4%;MSFT:20.4%;GLD:17.8%;AMZN:14.3%,US:58.5;EU:21.6;APAC:11.9;EM:7.0;Other:1.0,Value:-0.5;Growth:-0.2;Quality:+0.8;Size:-0.3;Momentum:-0.4;LowVol:-1.0,,10,30,4.6,trailing 9%,219,22.9,Volatile,28.1,4.73,3.4,136,-51,22,74,true,Hedge,Buy index puts 1% notional,26,-7,BrokerA,VWAP,91,VAR>budget,Reduce,Risk above budget threshold,11,10,124,5,false,Tax-aware sells next window
P3222,Opportunistic,Roth,USD,2024-08-03,715504,53226,662278,1.0,70.5,20.2,4.1,5.2,IEF:21.6%;MSFT:26.1%;AAPL:26.1%;MUB:26.1%,US:61.8;EU:9.8;APAC:12.1;EM:11.5;Other:4.8,Value:-0.5;Growth:-0.1;Quality:-0.5;Size:+0.2;Momentum:+0.5;LowVol:0.0,,7,30,6.3,hard 12%,167,30.8,Volatile,27.7,5.21,2.8,168,-16,30,86,true,Hedge,Buy index puts 1% notional,17,-1,BrokerD,LMT,88,VAR>budget,Pause,Risk above budget threshold,69,-51,168,4,true,Monitor dispersion and breadth
P3223,Systematic,IRA,USD,2024-09-14,1967286,196698,1770588,1.0,56.8,23.9,10.5,8.8,AAPL:22.4%;BND:10.4%;TLT:22.4%;VTI:22.4%;XLF:22.4%,US:75.0;EU:9.6;APAC:8.8;EM:3.5;Other:3.1,Value:+0.2;Growth:+0.2;Quality:-0.9;Size:+0.9;Momentum:-0.8;LowVol:+0.3,,10,35,4.6,trailing 8%,203,27.7,Sideways,17.5,4.78,2.6,113,15,66,41,true,Hedge,Buy index puts 1% notional,29,-13,BrokerA,VWAP,94,VAR>budget,Reduce,Risk above budget threshold,30,-33,13,5,false,Monitor dispersion and breadth
P3224,Cautious,Trust,USD,2025-10-19,846207,80268,765939,1.0,43.9,32.1,13.6,10.3,AAPL:24.5%;QQQ:10.0%;TLT:24.5%;BRK.B:24.4%;BND:16.6%,US:57.8;EU:16.0;APAC:11.6;EM:9.7;Other:4.9,Value:+0.1;Growth:+1.0;Quality:+0.9;Size:-0.4;Momentum:+0.5;LowVol:+0.7,NoMargin,8,30,4.5,trailing 8%,167,14.4,Volatile,26.9,5.48,3.1,114,-1,51,67,false,Hedge,Add TLT +1% as duration hedge,21,11,BrokerA,MKT,88,None,None,Normal monitoring,-39,1,-61,3,false,Tighten stops on momentum names
P3225,Hands-off,Taxable,USD,2024-07-22,511434,49312,462122,1.0,67.6,23.7,0.0,8.7,HYG:22.0%;MSFT:22.0%;VOO:18.1%;GLD:22.0%;VNQ:15.9%,US:67.8;EU:7.7;APAC:13.7;EM:6.7;Other:4.0,Value:+0.1;Growth:-0.4;Quality:+0.4;Size:+0.7;Momentum:+0.4;LowVol:-0.7,MaxPos6%,10,30,5.4,trailing 8%,134,17.7,Bull,16.4,4.15,2.6,97,93,91,59,true,Hedge,Buy index puts 1% notional,-15,-27,BrokerB,LMT,97,VAR>budget,TightenStops,Risk above budget threshold,-6,-37,-5,3,false,Within IPS guidelines
P3226,Hands-off,Roth,USD,2025-03-18,723708,32405,691303,1.0,71.4,23.0,0.0,5.6,HYG:33.3%;VTI:33.3%;MUB:33.3%,US:61.7;EU:17.3;APAC:9.7;EM:7.3;Other:4.0,Value:-0.8;Growth:+0.8;Quality:+0.5;Size:-0.4;Momentum:+0.3;LowVol:+0.2,ESGOnly;MaxPos8%,5,35,3.1,hard 10%,96,13.8,Sideways,15.4,3.61,2.9,109,-1,35,55,true,Reduce,"Cut high-beta by 2-3%, add cash",-3,-12,BrokerB,LMT,92,Drift>tolerance,Pause,Allocation drift beyond policy bands,62,-11,112,2,false,Within IPS guidelines
P3227,Hands-off,401k,USD,2025-12-22,530874,46863,484011,1.0,59.3,29.5,4.6,6.5,TLT:10.1%;MSFT:21.9%;XLF:10.3%;BRK.B:21.9%;GLD:21.9%;TSLA:13.9%,US:70.7;EU:7.7;APAC:9.8;EM:7.4;Other:4.4,Value:-1.0;Growth:-0.3;Quality:-0.4;Size:-0.2;Momentum:+0.5;LowVol:+0.2,,8,30,5.9,hard 10%,166,20.0,Sideways,17.3,4.86,2.4,122,52,78,45,true,Reduce,"Cut high-beta by 2-3%, add cash",-8,3,BrokerD,VWAP,89,RegimeShift,Reduce,Volatility spike and breadth deterioration,113,-13,113,5,false,Tax-aware sells next window
P3228,Active,Taxable,USD,2025-04-20,1236638,111435,1125203,1.0,61.6,24.6,6.8,7.0,IEF:26.6%;VOO:20.1%;HYG:26.6%;BND:26.6%,US:61.8;EU:19.6;APAC:9.6;EM:5.3;Other:3.8,Value:+0.8;Growth:-0.6;Quality:-0.3;Size:+0.6;Momentum:-1.0;LowVol:+0.4,,6,30,4.1,hard 12%,212,16.5,Sideways,16.3,3.56,2.8,101,-9,59,50,false,Rebalance,Shift +1% to bonds from equity,26,-11,BrokerB,LMT,95,None,None,Normal monitoring,102,-53,82,3,false,Tax-aware sells next window
P3229,Hands-off,Trust,USD,2025-01-25,732796,70420,662376,1.0,64.6,22.4,5.9,7.1,IEF:31.9%;HYG:34.1%;QQQ:34.1%,US:63.3;EU:14.8;APAC:9.4;EM:9.7;Other:2.9,Value:+0.2;Growth:-0.6;Quality:+1.0;Size:-0.3;Momentum:0.0;LowVol:-1.0,MaxPos5%,10,35,4.6,hard 10%,131,17.5,Bear,31.9,3.78,2.1,130,-43,21,72,true,Reduce,"Cut high-beta by 2-3%, add cash",2,11,BrokerA,LMT,98,VAR>budget,Reduce,Risk above budget threshold,-21,-58,81,5,false,Tax-aware sells next window
P3230,Systematic,IRA,USD,2024-12-24,970331,48581,921750,1.0,59.3,31.7,1.7,7.3,BRK.B:27.5%;GLD:27.5%;IEF:17.6%;AAPL:27.5%,US:70.7;EU:10.3;APAC:10.7;EM:3.6;Other:4.7,Value:-0.8;Growth:-0.4;Quality:+0.6;Size:-0.6;Momentum:-1.0;LowVol:+0.8,MaxPos7%,10,25,4.0,trailing 8%,227,19.1,Volatile,24.6,4.84,2.0,149,-50,35,62,true,Reduce,"Cut high-beta by 2-3%, add cash",34,15,BrokerA,LMT,86,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-49,-40,9,3,false,Tax-aware sells next window
P3231,Active,Trust,USD,2025-06-25,1207455,81176,1126279,1.0,56.1,27.8,7.3,8.7,VTI:31.5%;TLT:34.2%;VNQ:34.2%,US:58.9;EU:15.8;APAC:14.4;EM:8.5;Other:2.5,Value:-1.0;Growth:+0.9;Quality:+0.5;Size:-0.7;Momentum:-0.0;LowVol:-0.0,MaxPos8%;NoDerivatives,6,35,5.0,trailing 8%,227,27.1,Sideways,18.8,3.86,2.2,109,25,56,56,false,Rebalance,Shift +1% to bonds from equity,6,7,BrokerA,MKT,99,None,None,Normal monitoring,47,-2,100,4,false,Tighten stops on momentum names
P3232,Hands-off,IRA,USD,2025-10-24,576636,55313,521323,1.0,69.2,16.0,7.5,7.3,MSFT:26.4%;QQQ:36.8%;XLF:36.8%,US:66.5;EU:11.7;APAC:5.4;EM:11.6;Other:4.8,Value:-0.2;Growth:+0.7;Quality:+0.7;Size:-0.7;Momentum:-0.8;LowVol:+0.1,,8,35,5.2,trailing 8%,115,19.8,Sideways,17.2,4.93,2.2,113,-15,31,48,false,Buy,Add to core equity +1%,34,-38,BrokerB,LMT,85,None,None,Normal monitoring,10,-20,11,4,false,Tighten stops on momentum names
P3233,Hands-off,IRA,USD,2025-12-03,498973,48739,450234,1.0,65.0,26.1,0.0,8.9,HYG:34.7%;MUB:34.7%;GLD:30.5%,US:68.4;EU:11.2;APAC:10.2;EM:6.1;Other:4.1,Value:+0.1;Growth:-0.4;Quality:+0.9;Size:-0.1;Momentum:+0.7;LowVol:+0.4,ESGOnly,8,35,5.0,trailing 10%,159,15.1,Bull,11.5,3.52,2.1,78,103,97,39,false,Rebalance,Shift +1% to bonds from equity,2,-34,BrokerB,LMT,94,None,None,Normal monitoring,-41,16,53,3,false,Tax-aware sells next window
P3234,Active,Trust,USD,2025-11-08,1067962,69643,998319,1.25,61.8,28.7,4.0,5.4,GLD:19.3%;TLT:11.7%;IEF:18.4%;MSFT:16.6%;MUB:13.8%;VOO:20.2%,US:62.9;EU:15.6;APAC:10.8;EM:8.5;Other:2.2,Value:+0.4;Growth:-0.8;Quality:+0.9;Size:+0.7;Momentum:-0.8;LowVol:+0.8,,7,30,5.3,trailing 8%,180,24.3,Bear,33.5,3.79,1.2,191,-90,16,78,true,Hedge,Buy index puts 1% notional,8,-4,BrokerC,VWAP,88,RegimeShift,Reduce,Volatility spike and breadth deterioration,7,-47,4,5,true,Tax-aware sells next window
P3235,Active,IRA,USD,2025-03-16,2131043,227498,1903545,1.0,61.3,19.4,10.3,9.1,GLD:16.8%;QQQ:20.1%;VTI:20.8%;XLF:18.9%;IEF:6.9%;TSLA:16.5%,US:78.4;EU:9.9;APAC:6.9;EM:4.0;Other:0.9,Value:-0.1;Growth:+0.8;Quality:+0.5;Size:+0.7;Momentum:+0.6;LowVol:+0.6,MaxPos7%;NoDerivatives,6,30,5.6,trailing 9%,146,20.9,Bull,16.9,4.28,2.8,94,109,100,44,false,Buy,Add to core equity +1%,29,5,BrokerA,LMT,96,None,None,Normal monitoring,2,10,129,4,false,Tighten stops on momentum names
P3236,Active,401k,USD,2024-07-11,1474738,151906,1322832,1.0,63.1,29.6,0.0,7.3,AAPL:26.0%;GLD:26.0%;BND:26.0%;XLF:22.1%,US:65.9;EU:19.6;APAC:7.4;EM:3.5;Other:3.5,Value:-0.4;Growth:-0.7;Quality:-0.5;Size:+0.5;Momentum:+0.3;LowVol:-0.3,NoDerivatives,7,35,5.6,trailing 9%,149,26.1,Sideways,15.9,4.08,2.2,110,9,56,58,false,Sell,Trim extended winner -1%,12,15,BrokerB,MKT,93,None,None,Normal monitoring,103,-60,183,3,false,Tighten stops on momentum names
P3237,Active,Trust,USD,2025-09-22,1915623,223640,1691983,1.0,55.4,27.2,11.1,6.3,QQQ:17.6%;MUB:15.1%;TSLA:20.8%;VNQ:17.9%;XLF:7.8%;VOO:20.8%,US:63.4;EU:16.7;APAC:8.9;EM:7.2;Other:3.9,Value:+0.7;Growth:-0.4;Quality:-0.9;Size:+0.5;Momentum:+0.1;LowVol:-0.6,NoDerivatives,6,30,4.9,trailing 9%,155,16.3,Volatile,22.1,5.12,4.0,125,-55,36,56,false,Hedge,Add TLT +1% as duration hedge,21,-33,BrokerC,MKT,91,None,None,Normal monitoring,99,10,208,5,false,Tax-aware sells next window
P3238,Active,Taxable,USD,2024-08-04,1783189,183180,1600009,1.0,64.9,21.9,6.6,6.7,MUB:36.1%;TSLA:27.7%;QQQ:36.1%,US:74.3;EU:9.3;APAC:9.3;EM:6.7;Other:0.4,Value:+0.7;Growth:-0.4;Quality:-0.6;Size:-0.2;Momentum:-0.5;LowVol:+0.5,MaxPos8%;NoDerivatives,7,25,5.8,trailing 9%,216,25.3,Volatile,22.8,3.88,4.1,119,37,59,72,true,Rebalance,Rebalance back to target bands,-4,-3,BrokerC,MKT,93,VAR>budget,Reduce,Risk above budget threshold,7,-4,49,5,false,Increase defensive factor exposure
P3239,Active,Roth,USD,2025-10-06,2127011,186241,1940770,1.11,61.3,26.5,2.6,9.6,QQQ:26.3%;VNQ:26.3%;BRK.B:26.3%;GLD:21.1%,US:70.6;EU:12.2;APAC:8.1;EM:5.3;Other:3.8,Value:+0.5;Growth:+0.2;Quality:+0.4;Size:-0.7;Momentum:-1.0;LowVol:+0.5,MaxPos5%,5,25,5.4,hard 12%,145,26.3,Sideways,14.4,4.16,3.2,119,37,61,37,false,Sell,Trim extended winner -1%,-7,-9,BrokerB,LMT,92,None,None,Normal monitoring,13,1,9,5,false,Monitor dispersion and breadth
P3240,Cautious,401k,USD,2024-10-30,418902,41251,377651,1.0,52.7,33.5,1.9,11.8,AAPL:33.3%;XLF:33.3%;IEF:33.3%,US:69.4;EU:11.3;APAC:11.3;EM:7.9;Other:0.1,Value:-0.3;Growth:-0.1;Quality:+0.3;Size:-0.8;Momentum:+0.8;LowVol:0.0,NoMargin,5,35,5.2,trailing 8%,167,14.0,Sideways,15.3,4.72,2.1,103,45,73,38,false,Sell,Trim extended winner -1%,12,-39,BrokerC,LMT,100,None,None,Normal monitoring,88,17,190,3,false,Tax-aware sells next window
P3241,Active,Roth,USD,2025-06-06,1264726,94844,1169882,1.07,57.0,22.7,15.1,5.2,IEF:21.5%;VTI:18.9%;QQQ:21.5%;TLT:19.6%;AMZN:18.4%,US:69.5;EU:7.2;APAC:6.9;EM:13.5;Other:2.8,Value:-0.3;Growth:+0.9;Quality:+0.9;Size:-0.3;Momentum:-0.0;LowVol:0.0,,10,25,5.3,hard 12%,212,21.3,Bull,15.0,4.84,2.9,76,101,100,41,false,Buy,Add to core equity +1%,11,-40,BrokerC,MKT,92,None,None,Normal monitoring,118,-40,101,5,false,Tighten stops on momentum names
P3242,Opportunistic,Taxable,USD,2024-10-09,697751,49281,648470,1.15,73.5,15.9,3.9,6.7,HYG:21.5%;BRK.B:21.3%;QQQ:7.7%;IEF:21.5%;XLF:10.5%;TSLA:17.5%,US:72.5;EU:10.4;APAC:8.5;EM:7.0;Other:1.6,Value:+0.2;Growth:-0.1;Quality:-0.4;Size:+0.7;Momentum:+0.6;LowVol:-0.4,NoDerivatives,7,25,5.5,trailing 9%,171,30.3,Sideways,17.6,4.97,2.2,121,-17,52,51,false,Rebalance,Shift +1% to bonds from equity,25,-8,BrokerC,MKT,88,None,None,Normal monitoring,-48,-43,40,3,false,Monitor dispersion and breadth
P3243,Opportunistic,Taxable,USD,2025-04-09,382649,28799,353850,1.0,69.2,19.7,4.2,7.0,VTI:33.3%;VOO:33.3%;GLD:33.3%,US:71.3;EU:14.8;APAC:6.7;EM:4.9;Other:2.2,Value:-0.4;Growth:-0.5;Quality:-0.9;Size:-0.5;Momentum:-0.5;LowVol:-0.7,MaxPos5%,5,25,5.0,hard 12%,176,26.1,Bear,30.1,3.01,2.9,219,10,42,73,true,Rebalance,Rebalance back to target bands,-2,11,BrokerB,MKT,90,VAR>budget,TightenStops,Risk above budget threshold,1,-13,66,5,false,Tax-aware sells next window
P3244,Active,Roth,USD,2024-10-06,858994,85872,773122,1.2,65.3,27.3,0.0,7.4,IEF:11.4%;QQQ:22.6%;VTI:11.1%;AMZN:22.6%;MSFT:9.7%;BRK.B:22.6%,US:69.6;EU:17.0;APAC:7.2;EM:3.0;Other:3.2,Value:-0.1;Growth:-0.4;Quality:+0.6;Size:+0.4;Momentum:-0.6;LowVol:+0.9,MaxPos8%;NoDerivatives,10,35,5.0,trailing 8%,153,21.6,Bull,12.4,4.51,3.0,106,119,100,51,false,Rebalance,Shift +1% to bonds from equity,15,12,BrokerD,LMT,99,None,None,Normal monitoring,-37,-5,-41,3,false,Monitor dispersion and breadth
P3245,Hands-off,Taxable,USD,2025-07-30,340495,24007,316488,1.0,64.8,25.6,0.0,9.6,AMZN:33.3%;BRK.B:33.3%;QQQ:33.3%,US:61.0;EU:11.6;APAC:16.2;EM:11.1;Other:0.1,Value:+1.0;Growth:-0.4;Quality:+0.6;Size:-0.1;Momentum:-0.4;LowVol:-0.9,ESGOnly;MaxPos5%,6,25,5.3,trailing 8%,107,12.3,Volatile,23.3,3.51,2.7,161,37,53,66,false,NoAction,Within bands; monitor,8,-17,BrokerC,MKT,0,None,None,Normal monitoring,81,-15,157,4,false,Increase defensive factor exposure
P3246,Hands-off,IRA,USD,2024-11-29,459042,24333,434709,1.0,64.3,19.6,9.1,7.0,GLD:18.6%;VOO:21.6%;VNQ:19.6%;AMZN:21.6%;TSLA:8.9%;MSFT:9.7%,US:67.5;EU:12.9;APAC:8.0;EM:11.3;Other:0.3,Value:-0.5;Growth:-0.7;Quality:-0.1;Size:+1.0;Momentum:+0.9;LowVol:+0.5,MaxPos8%,10,30,4.8,trailing 8%,100,17.2,Bear,30.1,3.55,2.0,195,3,55,71,true,Hedge,Buy index puts 1% notional,8,-11,BrokerB,LMT,97,VAR>budget,Hedge,Risk above budget threshold,108,-7,185,3,false,Tighten stops on momentum names
P3247,Hands-off,Taxable,USD,2025-03-23,451747,21323,430424,1.0,66.5,26.1,0.0,7.4,AAPL:28.5%;TLT:28.5%;BND:14.6%;MUB:28.5%,US:69.5;EU:15.1;APAC:5.5;EM:6.7;Other:3.2,Value:+0.9;Growth:+0.2;Quality:+0.3;Size:+0.2;Momentum:-0.8;LowVol:-0.9,ESGOnly;MaxPos5%,5,35,5.0,trailing 8%,140,14.7,Bull,11.6,4.75,2.9,115,30,71,48,false,Rebalance,Shift +1% to bonds from equity,-8,15,BrokerC,MKT,91,None,None,Normal monitoring,39,18,162,4,false,Within IPS guidelines
P3248,Systematic,IRA,USD,2025-06-23,1588553,136161,1452392,1.0,58.1,21.1,14.5,6.3,BND:18.5%;BRK.B:14.8%;MUB:12.2%;AAPL:12.5%;TLT:21.7%;MSFT:20.4%,US:55.3;EU:18.1;APAC:11.4;EM:13.1;Other:2.1,Value:+0.8;Growth:+0.5;Quality:+0.8;Size:+0.8;Momentum:+0.4;LowVol:-0.3,NoDerivatives,6,35,4.6,trailing 9%,196,20.0,Sideways,17.5,4.64,2.6,117,-5,36,55,false,Buy,Add to core equity +1%,32,-16,BrokerA,LMT,92,None,None,Normal monitoring,118,-8,170,5,false,Increase defensive factor exposure
P3249,Active,Trust,USD,2024-09-17,1519023,91259,1427764,1.0,53.2,26.0,12.1,8.7,MUB:18.2%;XLF:27.3%;AAPL:27.3%;GLD:27.3%,US:71.4;EU:12.0;APAC:7.2;EM:4.4;Other:4.9,Value:-0.9;Growth:+0.2;Quality:+0.5;Size:+0.1;Momentum:-0.5;LowVol:-0.6,MaxPos6%,5,25,4.8,trailing 8%,218,23.3,Sideways,19.2,3.85,2.3,118,16,57,40,false,Hedge,Add TLT +1% as duration hedge,4,-6,BrokerB,MKT,90,None,None,Normal monitoring,16,-4,-19,3,false,Increase defensive factor exposure
P3250,Cautious,Trust,USD,2025-11-24,575234,50080,525154,1.0,44.9,41.6,0.0,13.4,VTI:22.6%;AAPL:16.5%;IEF:16.7%;QQQ:22.6%;HYG:21.5%,US:69.2;EU:10.3;APAC:11.9;EM:3.7;Other:4.9,Value:+0.6;Growth:+0.9;Quality:+0.2;Size:-0.3;Momentum:+0.9;LowVol:+0.5,ESGOnly;MaxPos7%;NoMargin,8,30,5.1,trailing 8%,156,12.4,Bear,24.7,3.21,1.6,154,-50,29,62,false,NoAction,Within bands; monitor,-2,11,BrokerA,LMT,88,None,None,Normal monitoring,-21,-33,75,3,false,Tax-aware sells next window
P3251,Hands-off,401k,USD,2024-07-12,519628,45909,473719,1.0,57.0,23.1,14.8,5.1,BRK.B:35.4%;IEF:29.2%;AAPL:35.4%,US:70.2;EU:10.1;APAC:9.3;EM:7.4;Other:3.0,Value:-0.4;Growth:-0.1;Quality:-0.8;Size:-0.3;Momentum:-0.7;LowVol:+0.3,ESGOnly;NoDerivatives,5,25,5.3,trailing 8%,100,15.7,Bull,14.1,4.92,2.6,85,118,100,48,true,Hedge,Buy index puts 1% notional,18,1,BrokerD,LMT,93,RegimeShift,Reduce,Volatility spike and breadth deterioration,12,4,139,2,false,Tax-aware sells next window
P3252,Active,Taxable,USD,2024-12-13,790822,79357,711465,1.0,69.4,21.8,0.0,8.8,BND:21.5%;VTI:10.4%;HYG:22.7%;XLF:22.7%;MUB:22.7%,US:62.3;EU:15.3;APAC:11.9;EM:8.7;Other:1.8,Value:-0.2;Growth:+0.5;Quality:+0.3;Size:-0.8;Momentum:+0.9;LowVol:-0.5,MaxPos5%;NoDerivatives,5,30,5.6,trailing 8%,215,16.2,Bear,31.2,4.47,2.5,171,32,67,78,true,Hedge,Buy index puts 1% notional,21,-26,BrokerA,LMT,96,Drift>tolerance,Hedge,Allocation drift beyond policy bands,18,-56,114,5,false,Monitor dispersion and breadth
P3253,Active,IRA,USD,2025-06-22,649429,53069,596360,1.0,64.0,26.4,0.0,9.6,TLT:14.5%;HYG:28.5%;TSLA:28.5%;VTI:28.5%,US:59.5;EU:21.5;APAC:7.7;EM:10.2;Other:1.1,Value:-0.1;Growth:0.0;Quality:-0.7;Size:-0.1;Momentum:+0.5;LowVol:+0.9,MaxPos6%,5,35,4.7,trailing 9%,195,27.8,Sideways,19.4,4.31,2.3,108,34,64,60,false,Hedge,Add TLT +1% as duration hedge,13,0,BrokerB,VWAP,93,None,None,Normal monitoring,-38,-38,89,4,false,Monitor dispersion and breadth
P3254,Active,IRA,USD,2025-08-03,2166513,191029,1975484,1.2,63.7,29.3,1.1,5.9,TSLA:22.9%;AAPL:28.0%;GLD:21.2%;VTI:28.0%,US:62.8;EU:18.0;APAC:11.0;EM:5.2;Other:3.0,Value:-0.8;Growth:+0.1;Quality:+0.9;Size:+0.5;Momentum:-0.1;LowVol:-0.4,NoDerivatives,5,35,4.4,trailing 8%,187,23.9,Bull,15.6,4.7,2.5,78,17,43,59,true,Hedge,Buy index puts 1% notional,-8,2,BrokerD,MKT,100,Drift>tolerance,Hedge,Allocation drift beyond policy bands,3,-55,-9,4,false,Tighten stops on momentum names
P3255,Hands-off,IRA,USD,2025-04-14,198902,19654,179248,1.0,66.6,26.9,0.2,6.3,HYG:15.2%;XLF:9.8%;BRK.B:20.9%;BND:20.9%;MSFT:12.4%;GLD:20.9%,US:54.8;EU:17.2;APAC:12.0;EM:11.3;Other:4.7,Value:-0.8;Growth:-0.1;Quality:-0.2;Size:+1.0;Momentum:+0.3;LowVol:+0.3,ESGOnly;MaxPos6%;NoDerivatives,7,30,4.5,trailing 8%,123,19.1,Sideways,17.6,4.61,3.1,101,0,55,54,false,Rebalance,Shift +1% to bonds from equity,-5,-10,BrokerA,MKT,96,None,None,Normal monitoring,-35,-24,-28,4,false,Monitor dispersion and breadth
P3256,Active,401k,USD,2025-08-24,874076,62986,811090,1.0,67.5,22.1,5.0,5.4,BRK.B:25.2%;QQQ:25.2%;VTI:25.2%;TSLA:24.3%,US:64.5;EU:20.7;APAC:9.0;EM:4.0;Other:1.8,Value:-0.5;Growth:-0.9;Quality:-0.0;Size:+0.9;Momentum:+0.5;LowVol:-0.7,MaxPos5%,10,35,5.6,trailing 8%,195,20.6,Volatile,23.4,4.37,3.5,110,28,67,63,false,Buy,Add to core equity +1%,18,-20,BrokerD,LMT,94,None,None,Normal monitoring,25,14,108,4,false,Tighten stops on momentum names
P3257,Cautious,Roth,USD,2025-08-07,466380,41845,424535,1.0,43.9,40.7,0.0,15.4,TSLA:30.8%;MSFT:30.8%;BND:20.6%;TLT:17.8%,US:70.8;EU:7.9;APAC:12.2;EM:7.5;Other:1.5,Value:-0.7;Growth:-1.0;Quality:-0.5;Size:+0.1;Momentum:+1.0;LowVol:+0.9,ESGOnly;NoDerivatives;NoMargin,8,25,5.7,trailing 8%,145,14.5,Volatile,24.8,5.45,2.7,180,-23,43,63,false,NoAction,Within bands; monitor,28,3,BrokerA,VWAP,89,None,None,Normal monitoring,9,-27,-4,5,false,Tighten stops on momentum names
P3258,Cautious,IRA,USD,2025-02-01,585788,84691,501097,1.0,36.5,31.0,16.9,15.7,XLF:16.6%;IEF:20.6%;MSFT:22.6%;BRK.B:22.6%;VTI:17.7%,US:67.9;EU:14.2;APAC:11.5;EM:3.5;Other:2.9,Value:+0.9;Growth:-0.6;Quality:-0.9;Size:-0.3;Momentum:-0.2;LowVol:-0.6,NoDerivatives;NoMargin,6,25,4.2,hard 10%,138,19.9,Bear,22.1,3.41,1.5,136,23,62,40,false,Buy,Add to core equity +1%,13,14,BrokerA,MKT,98,None,None,Normal monitoring,99,9,80,3,false,Monitor dispersion and breadth
P3259,Opportunistic,IRA,USD,2024-11-09,1308823,116829,1191994,1.0,60.5,15.9,18.2,5.3,QQQ:26.2%;TLT:19.2%;MSFT:27.3%;BND:27.3%,US:65.3;EU:12.3;APAC:12.5;EM:7.7;Other:2.2,Value:-0.7;Growth:+0.7;Quality:+0.1;Size:+0.8;Momentum:+0.5;LowVol:+0.6,NoDerivatives,8,25,6.2,trailing 7%,224,23.6,Sideways,20.4,3.51,2.2,116,26,57,50,false,Buy,Add to core equity +1%,33,-21,BrokerC,MKT,100,None,None,Normal monitoring,97,9,166,4,false,Within IPS guidelines
P3260,Active,Taxable,USD,2025-07-04,1101436,79965,1021471,1.0,54.7,22.0,17.0,6.3,AMZN:33.3%;IEF:33.3%;TSLA:33.3%,US:68.4;EU:16.2;APAC:9.3;EM:4.1;Other:2.0,Value:-0.5;Growth:+0.8;Quality:-0.4;Size:-0.4;Momentum:+0.4;LowVol:+0.5,,5,30,5.8,trailing 9%,120,21.0,Bull,12.9,4.59,2.5,83,68,99,42,false,Hedge,Add TLT +1% as duration hedge,-2,13,BrokerB,LMT,95,None,None,Normal monitoring,105,4,73,5,false,Tighten stops on momentum names
P3261,Cautious,Trust,USD,2024-12-15,267035,28602,238433,1.0,42.5,36.7,5.2,15.6,TLT:17.1%;GLD:19.7%;XLF:13.2%;BND:16.4%;BRK.B:20.7%;QQQ:13.1%,US:64.7;EU:12.3;APAC:12.5;EM:10.3;Other:0.2,Value:+0.4;Growth:+0.3;Quality:-0.8;Size:-0.2;Momentum:-0.0;LowVol:+0.9,ESGOnly;NoMargin,5,30,4.7,trailing 8%,137,16.7,Bull,17.4,4.68,2.0,114,22,60,37,false,Rebalance,Shift +1% to bonds from equity,18,-6,BrokerB,MKT,95,None,None,Normal monitoring,-33,-43,-68,4,false,Tax-aware sells next window
P3262,Cautious,IRA,USD,2025-02-26,215236,28470,186766,1.0,47.0,33.6,6.0,13.4,AAPL:23.6%;BND:22.1%;VTI:22.4%;BRK.B:15.6%;IEF:16.3%,US:60.6;EU:17.9;APAC:13.5;EM:7.2;Other:0.8,Value:+0.3;Growth:+0.6;Quality:-0.2;Size:-0.3;Momentum:+0.4;LowVol:-0.5,NoMargin,6,25,3.3,hard 10%,144,13.7,Sideways,21.4,3.51,3.0,123,6,62,45,false,Buy,Add to core equity +1%,-7,-11,BrokerC,MKT,91,None,None,Normal monitoring,-50,-52,10,3,false,Monitor dispersion and breadth
P3263,Cautious,Trust,USD,2025-02-09,268940,37558,231382,1.0,35.7,44.0,4.1,16.3,MSFT:33.3%;XLF:33.3%;TSLA:33.3%,US:66.8;EU:11.0;APAC:12.5;EM:9.4;Other:0.3,Value:+0.2;Growth:-0.9;Quality:+0.5;Size:+0.9;Momentum:-0.9;LowVol:+0.8,ESGOnly;MaxPos7%;NoMargin,8,30,3.8,trailing 8%,107,12.4,Bear,22.5,3.26,2.4,141,14,43,49,false,Buy,Add to core equity +1%,35,-17,BrokerD,MKT,99,None,None,Normal monitoring,14,3,102,3,false,Within IPS guidelines
P3264,Active,401k,USD,2025-05-04,1177249,132204,1045045,1.0,61.1,21.3,12.0,5.5,MUB:22.4%;TLT:22.4%;QQQ:22.4%;GLD:22.4%;AMZN:10.5%,US:70.1;EU:10.6;APAC:10.5;EM:6.9;Other:1.9,Value:+0.1;Growth:-0.3;Quality:+0.6;Size:+0.4;Momentum:+0.8;LowVol:+0.1,MaxPos5%,5,25,5.5,trailing 8%,135,21.2,Sideways,17.3,4.1,2.6,135,2,66,55,true,Hedge,Buy index puts 1% notional,-12,-17,BrokerC,MKT,99,VAR>budget,Reduce,Risk above budget threshold,-28,-47,108,3,false,Tax-aware sells next window
P3265,Hands-off,Roth,USD,2025-11-16,191236,18718,172518,1.0,67.8,22.2,4.8,5.3,VTI:25.0%;IEF:25.0%;HYG:25.0%;XLF:25.0%,US:75.8;EU:7.5;APAC:11.0;EM:3.9;Other:1.9,Value:0.0;Growth:+0.7;Quality:-0.0;Size:+0.4;Momentum:-0.8;LowVol:+0.4,ESGOnly;MaxPos7%,8,35,5.2,hard 10%,167,16.9,Volatile,29.9,4.12,3.8,113,49,72,76,true,Reduce,"Cut high-beta by 2-3%, add cash",-6,-30,BrokerD,MKT,94,RegimeShift,Pause,Volatility spike and breadth deterioration,33,-42,104,2,false,Within IPS guidelines
P3266,Cautious,Roth,USD,2025-04-22,875904,90250,785654,1.0,38.8,43.9,0.0,17.3,VTI:33.3%;TLT:33.3%;IEF:33.3%,US:68.9;EU:12.3;APAC:5.5;EM:9.4;Other:3.9,Value:-0.6;Growth:+0.1;Quality:+0.5;Size:-0.4;Momentum:+0.5;LowVol:+0.9,MaxPos7%;NoMargin,6,35,3.9,trailing 8%,169,16.0,Bear,22.6,3.63,1.5,187,-79,20,51,false,Hedge,Add TLT +1% as duration hedge,5,13,BrokerB,VWAP,94,None,None,Normal monitoring,58,-10,79,3,false,Tax-aware sells next window
P3267,Hands-off,Taxable,USD,2024-10-12,240623,17960,222663,1.0,64.7,19.1,10.2,6.0,AAPL:22.7%;MUB:22.7%;VNQ:19.6%;BND:22.3%;QQQ:12.8%,US:69.3;EU:14.2;APAC:13.4;EM:2.9;Other:0.2,Value:-0.6;Growth:+0.8;Quality:-0.2;Size:+0.6;Momentum:+0.2;LowVol:-0.4,MaxPos5%;NoDerivatives,7,25,5.2,trailing 10%,110,19.4,Bear,32.7,3.88,2.8,215,7,55,94,true,Reduce,"Cut high-beta by 2-3%, add cash",31,-30,BrokerA,MKT,96,VAR>budget,Hedge,Risk above budget threshold,-31,-53,63,5,false,Increase defensive factor exposure
P3268,Opportunistic,401k,USD,2025-03-01,1679292,78123,1601169,1.0,71.1,18.2,3.7,7.0,XLF:26.1%;BRK.B:26.1%;BND:14.8%;AMZN:15.7%;QQQ:17.4%,US:63.1;EU:14.9;APAC:12.8;EM:7.6;Other:1.6,Value:+0.9;Growth:+0.6;Quality:-0.0;Size:-0.6;Momentum:-0.5;LowVol:-0.0,MaxPos6%,6,25,5.3,trailing 9%,231,31.4,Sideways,21.0,3.57,3.0,131,47,88,56,false,Sell,Trim extended winner -1%,31,0,BrokerD,MKT,90,None,None,Normal monitoring,-1,-32,39,5,false,Monitor dispersion and breadth
P3269,Active,IRA,USD,2025-11-18,1336793,108770,1228023,1.0,61.7,25.3,5.2,7.7,VTI:28.0%;BRK.B:28.0%;XLF:16.0%;QQQ:28.0%,US:69.6;EU:9.2;APAC:7.2;EM:11.3;Other:2.6,Value:-0.1;Growth:-0.6;Quality:+1.0;Size:-0.5;Momentum:+0.9;LowVol:-0.0,NoDerivatives,6,25,5.5,trailing 9%,164,24.2,Bull,14.3,4.53,2.7,71,87,87,55,false,Sell,Trim extended winner -1%,4,-29,BrokerA,MKT,96,None,None,Normal monitoring,-20,-16,-44,4,false,Increase defensive factor exposure
P3270,Cautious,Taxable,USD,2024-11-08,850155,86297,763858,1.0,46.5,36.3,0.0,17.2,TLT:34.5%;TSLA:34.5%;BND:31.0%,US:72.3;EU:8.4;APAC:8.3;EM:8.1;Other:2.9,Value:-0.3;Growth:0.0;Quality:-0.5;Size:-0.6;Momentum:-0.1;LowVol:+0.2,NoMargin,8,30,3.8,hard 10%,124,13.0,Volatile,29.3,5.34,3.0,116,20,52,76,true,Hedge,Buy index puts 1% notional,-4,11,BrokerA,MKT,89,Drift>tolerance,Reduce,Allocation drift beyond policy bands,59,-15,44,5,true,Monitor dispersion and breadth
P3271,Active,IRA,USD,2024-10-17,1098769,78903,1019866,1.0,57.8,21.9,14.0,6.3,BRK.B:22.2%;MSFT:19.5%;VOO:14.8%;MUB:12.9%;IEF:8.5%;QQQ:22.2%,US:67.7;EU:14.2;APAC:10.4;EM:5.3;Other:2.5,Value:0.0;Growth:-1.0;Quality:-0.7;Size:+0.9;Momentum:-0.1;LowVol:+0.6,MaxPos6%,5,25,5.7,trailing 9%,202,24.0,Sideways,15.5,4.23,2.7,101,-20,26,51,false,NoAction,Within bands; monitor,34,-35,BrokerC,VWAP,93,None,None,Normal monitoring,-46,-11,40,4,false,Tighten stops on momentum names
P3272,Cautious,401k,USD,2024-09-15,174818,21548,153270,1.0,39.9,36.3,8.9,14.8,VNQ:20.5%;AMZN:22.4%;BRK.B:22.4%;MUB:12.4%;TLT:22.4%,US:62.4;EU:10.7;APAC:14.3;EM:11.9;Other:0.8,Value:+0.2;Growth:+0.5;Quality:-1.0;Size:-0.3;Momentum:+0.5;LowVol:+0.8,ESGOnly;NoDerivatives;NoMargin,6,25,4.9,hard 10%,106,14.0,Bear,33.5,4.12,2.2,197,38,72,78,true,Rebalance,Rebalance back to target bands,9,-4,BrokerA,MKT,96,Drift>tolerance,Hedge,Allocation drift beyond policy bands,39,-50,48,4,false,Increase defensive factor exposure
P3273,Opportunistic,Taxable,USD,2025-07-20,520845,34083,486762,1.0,62.8,19.4,9.0,8.8,MUB:33.3%;TSLA:33.3%;AMZN:33.3%,US:68.7;EU:14.1;APAC:9.9;EM:6.5;Other:0.8,Value:-0.7;Growth:+0.8;Quality:-0.9;Size:+0.4;Momentum:+0.5;LowVol:+0.7,MaxPos5%;NoDerivatives,8,35,5.7,trailing 7%,203,24.5,Bull,12.2,4.04,2.9,104,71,73,36,false,NoAction,Within bands; monitor,-10,2,BrokerB,MKT,0,None,None,Normal monitoring,104,-56,193,5,false,Tighten stops on momentum names
P3274,Active,Taxable,USD,2024-12-11,1546668,102833,1443835,1.08,56.2,26.4,12.2,5.2,VOO:33.3%;VTI:33.3%;AAPL:33.3%,US:72.5;EU:6.3;APAC:7.7;EM:9.3;Other:4.2,Value:+0.5;Growth:-0.4;Quality:-1.0;Size:-0.5;Momentum:-0.4;LowVol:+0.4,MaxPos5%,7,35,5.7,trailing 9%,179,22.0,Volatile,28.5,3.93,2.3,125,24,57,78,true,Rebalance,Rebalance back to target bands,2,1,BrokerB,MKT,100,VAR>budget,TightenStops,Risk above budget threshold,60,1,113,5,false,Within IPS guidelines
P3275,Opportunistic,Roth,USD,2025-04-08,1687268,104787,1582481,1.0,69.6,13.4,11.9,5.1,BND:24.7%;XLF:17.8%;HYG:24.7%;AAPL:14.1%;QQQ:18.6%,US:62.7;EU:10.5;APAC:14.2;EM:7.5;Other:5.1,Value:+0.1;Growth:-0.5;Quality:+0.6;Size:-0.6;Momentum:-0.3;LowVol:-0.6,NoDerivatives,8,25,6.2,hard 12%,211,35.0,Volatile,30.8,3.63,4.0,146,-56,27,90,true,Hedge,Buy index puts 1% notional,6,7,BrokerD,LMT,93,VAR>budget,Hedge,Risk above budget threshold,-30,-48,44,4,false,Monitor dispersion and breadth
P3276,Hands-off,Roth,USD,2024-12-26,155409,11131,144278,1.0,67.2,17.0,9.4,6.3,AAPL:12.7%;TLT:22.3%;VNQ:22.3%;HYG:22.3%;BRK.B:10.6%;QQQ:9.8%,US:64.0;EU:11.8;APAC:11.1;EM:8.8;Other:4.2,Value:+0.2;Growth:-0.6;Quality:+0.2;Size:-0.7;Momentum:+0.9;LowVol:+0.1,MaxPos8%;NoDerivatives,6,35,4.5,trailing 8%,162,14.4,Bull,12.8,4.94,3.3,102,61,65,48,false,Buy,Add to core equity +1%,18,14,BrokerB,LMT,90,None,None,Normal monitoring,119,-55,124,4,false,Within IPS guidelines
P3277,Hands-off,401k,USD,2024-07-06,432333,31752,400581,1.0,71.2,15.9,6.4,6.5,VNQ:36.2%;QQQ:36.2%;TSLA:27.7%,US:74.3;EU:5.6;APAC:13.3;EM:6.8;Other:0.1,Value:+0.7;Growth:+0.1;Quality:+0.7;Size:-0.1;Momentum:+0.3;LowVol:-0.0,ESGOnly,8,35,5.8,trailing 8%,147,15.1,Bull,11.4,4.36,2.6,70,66,71,41,false,Buy,Add to core equity +1%,14,-38,BrokerD,VWAP,98,None,None,Normal monitoring,-37,-39,-26,5,false,Tax-aware sells next window
P3278,Cautious,Trust,USD,2024-10-13,512460,65247,447213,1.0,50.5,31.5,7.1,10.9,TLT:17.7%;QQQ:20.1%;IEF:31.1%;HYG:31.1%,US:64.6;EU:13.1;APAC:11.6;EM:8.5;Other:2.1,Value:-0.3;Growth:-0.6;Quality:-1.0;Size:-0.8;Momentum:+0.1;LowVol:-0.9,ESGOnly;MaxPos7%;NoDerivatives;NoMargin,10,30,5.3,trailing 10%,140,13.8,Bull,17.9,3.82,3.0,87,31,76,41,false,Rebalance,Shift +1% to bonds from equity,27,13,BrokerC,MKT,92,None,None,Normal monitoring,3,-39,108,5,false,Tax-aware sells next window
P3279,Hands-off,401k,USD,2024-10-20,652556,40980,611576,1.0,56.9,20.9,13.2,9.0,BND:33.3%;HYG:33.3%;BRK.B:33.3%,US:63.6;EU:17.2;APAC:10.3;EM:8.4;Other:0.5,Value:-0.9;Growth:-0.3;Quality:+0.1;Size:-0.6;Momentum:0.0;LowVol:+0.4,,6,35,4.6,hard 10%,138,14.1,Bear,28.5,3.85,2.3,219,-64,16,73,true,Reduce,"Cut high-beta by 2-3%, add cash",-12,-37,BrokerA,MKT,99,RegimeShift,Reduce,Volatility spike and breadth deterioration,46,-14,63,5,false,Tighten stops on momentum names
P3280,Cautious,401k,USD,2025-03-10,447902,48275,399627,1.0,37.1,30.4,20.6,11.8,GLD:19.3%;QQQ:23.3%;AAPL:10.9%;MSFT:23.3%;HYG:23.3%,US:67.4;EU:9.5;APAC:18.2;EM:3.9;Other:1.0,Value:-0.5;Growth:-0.1;Quality:-0.4;Size:+0.1;Momentum:-0.2;LowVol:-0.4,MaxPos7%;NoMargin,8,35,3.3,trailing 10%,153,12.9,Bull,14.3,4.36,2.4,99,22,63,34,false,Sell,Trim extended winner -1%,4,-22,BrokerB,LMT,86,None,None,Normal monitoring,-6,-54,1,4,false,Tax-aware sells next window
P3281,Active,Taxable,USD,2024-07-20,930450,99602,830848,1.0,51.4,31.6,7.3,9.8,XLF:33.3%;QQQ:33.3%;VNQ:33.3%,US:64.9;EU:13.6;APAC:11.0;EM:6.8;Other:3.7,Value:-0.5;Growth:+1.0;Quality:-0.8;Size:-0.3;Momentum:+0.4;LowVol:-0.9,NoDerivatives,6,35,4.1,trailing 9%,192,17.4,Volatile,20.1,4.46,2.3,114,67,83,44,false,Rebalance,Shift +1% to bonds from equity,23,-11,BrokerD,LMT,97,None,None,Normal monitoring,60,-32,105,5,false,Tax-aware sells next window
P3282,Systematic,IRA,USD,2025-03-02,1662215,91306,1570909,1.0,68.5,26.3,0.0,5.3,AAPL:15.7%;IEF:18.4%;XLF:23.1%;BND:19.7%;TSLA:23.1%,US:69.0;EU:15.6;APAC:5.1;EM:10.3;Other:0.0,Value:0.0;Growth:-0.5;Quality:+0.2;Size:+0.5;Momentum:+1.0;LowVol:+0.7,MaxPos5%,10,30,5.6,trailing 9%,214,27.7,Bear,32.4,4.19,2.5,151,-45,31,90,true,Reduce,"Cut high-beta by 2-3%, add cash",23,-40,BrokerB,MKT,93,RegimeShift,Hedge,Volatility spike and breadth deterioration,98,-56,89,2,false,Monitor dispersion and breadth
P3283,Hands-off,Roth,USD,2025-08-15,403228,21022,382206,1.0,68.8,25.3,0.0,5.9,IEF:33.3%;BRK.B:33.3%;TSLA:33.3%,US:68.8;EU:14.8;APAC:7.3;EM:7.1;Other:2.0,Value:-0.5;Growth:+1.0;Quality:-0.5;Size:+0.3;Momentum:+0.9;LowVol:+0.7,ESGOnly;MaxPos6%,10,30,3.3,trailing 10%,133,12.5,Volatile,24.8,4.42,2.9,180,-17,56,80,true,Reduce,"Cut high-beta by 2-3%, add cash",0,-27,BrokerB,MKT,85,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-9,-2,71,4,false,Monitor dispersion and breadth
P3284,Cautious,Roth,USD,2024-12-28,715934,75693,640241,1.0,36.3,33.9,17.2,12.6,XLF:6.3%;TSLA:21.5%;VTI:21.5%;AMZN:21.5%;IEF:18.5%;QQQ:10.6%,US:77.3;EU:5.7;APAC:7.0;EM:5.7;Other:4.3,Value:+0.6;Growth:-0.8;Quality:+0.1;Size:-0.8;Momentum:-0.9;LowVol:+0.9,ESGOnly;MaxPos6%;NoMargin,6,35,4.4,trailing 8%,118,18.0,Volatile,23.1,5.05,2.5,115,-25,25,49,false,Rebalance,Shift +1% to bonds from equity,7,-6,BrokerD,LMT,100,None,None,Normal monitoring,65,-40,165,3,false,Increase defensive factor exposure
P3285,Cautious,Taxable,USD,2024-09-12,335059,50470,284589,1.0,38.0,33.1,18.1,10.8,XLF:25.0%;VOO:25.0%;AAPL:25.0%;QQQ:25.0%,US:62.7;EU:10.8;APAC:13.2;EM:10.0;Other:3.4,Value:+0.2;Growth:+0.4;Quality:-0.1;Size:+0.8;Momentum:+0.1;LowVol:+0.8,MaxPos8%;NoMargin,10,25,5.4,trailing 10%,92,16.5,Bull,12.1,4.29,2.1,102,95,94,26,false,NoAction,Within bands; monitor,-14,-21,BrokerC,MKT,0,None,None,Normal monitoring,60,4,169,5,false,Increase defensive factor exposure
P3286,Cautious,Taxable,USD,2025-10-01,418371,50549,367822,1.0,37.5,43.0,3.3,16.1,GLD:14.4%;VOO:21.4%;VNQ:10.5%;IEF:11.0%;AMZN:21.4%;VTI:21.4%,US:64.5;EU:12.3;APAC:12.8;EM:7.1;Other:3.3,Value:+0.4;Growth:+0.1;Quality:+0.7;Size:+1.0;Momentum:-1.0;LowVol:-0.5,ESGOnly;NoMargin,10,35,4.6,hard 10%,107,16.8,Bear,29.9,3.58,1.7,209,-68,10,69,false,NoAction,Within bands; monitor,9,-39,BrokerC,MKT,0,None,None,Normal monitoring,96,-6,157,5,false,Within IPS guidelines
P3287,Systematic,401k,USD,2025-12-05,906366,63050,843316,1.0,58.0,22.2,10.2,9.7,XLF:20.2%;MSFT:9.7%;MUB:22.2%;TSLA:12.4%;BND:22.2%;QQQ:13.3%,US:68.0;EU:7.8;APAC:15.2;EM:6.8;Other:2.2,Value:+0.6;Growth:+0.7;Quality:+0.7;Size:0.0;Momentum:0.0;LowVol:-1.0,,8,35,5.4,hard 12%,158,18.0,Bull,16.9,4.23,3.0,118,47,68,49,false,Sell,Trim extended winner -1%,6,13,BrokerC,LMT,88,None,None,Normal monitoring,27,11,4,4,false,Increase defensive factor exposure
P3288,Active,401k,USD,2025-02-04,701380,63247,638133,1.16,65.3,29.3,0.0,5.3,TSLA:27.7%;HYG:27.7%;BND:27.7%;VTI:16.9%,US:65.8;EU:13.6;APAC:8.5;EM:9.6;Other:2.4,Value:-0.4;Growth:+1.0;Quality:+0.6;Size:+0.4;Momentum:-0.7;LowVol:-0.8,NoDerivatives,7,25,5.5,hard 12%,172,18.5,Bear,30.5,4.35,1.5,178,-119,5,73,true,Reduce,"Cut high-beta by 2-3%, add cash",-13,-20,BrokerB,LMT,85,VAR>budget,Reduce,Risk above budget threshold,25,-30,31,2,false,Tighten stops on momentum names
P3289,Hands-off,IRA,USD,2025-04-13,192465,17651,174814,1.0,64.1,27.4,0.0,8.4,QQQ:20.2%;TLT:18.6%;MUB:14.2%;HYG:10.3%;VTI:15.6%;VNQ:21.1%,US:71.3;EU:6.8;APAC:8.3;EM:10.4;Other:3.2,Value:-0.1;Growth:0.0;Quality:-0.2;Size:-0.7;Momentum:-0.0;LowVol:-0.8,NoDerivatives,5,30,3.6,trailing 10%,122,19.6,Volatile,20.0,3.53,3.6,130,-3,58,57,false,Hedge,Add TLT +1% as duration hedge,9,0,BrokerA,MKT,85,None,None,Normal monitoring,68,5,152,5,false,Monitor dispersion and breadth
P3290,Active,Roth,USD,2025-03-05,2372120,245448,2126672,1.0,52.7,23.9,17.8,5.5,AAPL:11.7%;QQQ:29.4%;MUB:29.4%;VNQ:29.4%,US:60.9;EU:12.9;APAC:15.5;EM:10.6;Other:0.1,Value:+0.1;Growth:+0.4;Quality:+0.3;Size:+0.6;Momentum:-0.8;LowVol:+0.9,MaxPos6%,8,30,4.7,hard 12%,148,16.2,Volatile,28.0,3.75,3.2,138,58,88,77,true,Hedge,Buy index puts 1% notional,29,-14,BrokerB,MKT,96,RegimeShift,Hedge,Volatility spike and breadth deterioration,54,2,148,5,false,Within IPS guidelines
P3291,Systematic,IRA,USD,2024-10-14,1605023,112678,1492345,1.0,60.0,33.5,0.0,6.4,TSLA:33.6%;AAPL:32.9%;AMZN:33.6%,US:71.1;EU:13.9;APAC:4.7;EM:7.5;Other:2.9,Value:-0.1;Growth:0.0;Quality:-0.8;Size:+0.2;Momentum:+0.9;LowVol:-0.4,NoDerivatives,6,25,5.3,trailing 9%,198,22.7,Bear,25.2,3.98,1.6,147,-56,36,63,false,Buy,Add to core equity +1%,13,-31,BrokerB,MKT,100,None,None,Normal monitoring,45,-32,54,5,false,Tighten stops on momentum names
P3292,Hands-off,Trust,USD,2025-12-19,152224,14930,137294,1.0,66.3,23.9,2.8,7.0,GLD:17.9%;VOO:13.6%;AMZN:23.1%;XLF:22.2%;BRK.B:23.1%,US:61.1;EU:13.0;APAC:14.2;EM:9.2;Other:2.5,Value:+0.5;Growth:-0.3;Quality:-0.1;Size:+0.7;Momentum:+0.7;LowVol:+0.1,,8,35,5.0,trailing 10%,92,16.2,Bull,14.9,4.54,3.2,90,62,90,50,false,Sell,Trim extended winner -1%,-8,15,BrokerC,MKT,94,None,None,Normal monitoring,-53,-20,52,3,false,Increase defensive factor exposure
P3293,Cautious,Trust,USD,2025-01-31,791829,87889,703940,1.0,43.7,34.2,8.6,13.4,TLT:21.5%;QQQ:21.5%;IEF:21.5%;HYG:21.1%;VOO:14.4%,US:73.6;EU:11.0;APAC:8.8;EM:5.7;Other:0.9,Value:0.0;Growth:+0.7;Quality:+0.4;Size:+0.7;Momentum:-1.0;LowVol:+0.5,NoMargin,6,35,4.0,hard 10%,93,16.4,Sideways,17.9,4.82,3.1,129,31,50,48,false,Sell,Trim extended winner -1%,-5,-18,BrokerB,LMT,97,None,None,Normal monitoring,93,-44,162,4,false,Within IPS guidelines
P3294,Cautious,401k,USD,2024-09-18,633765,56801,576964,1.0,42.1,32.6,12.2,13.1,IEF:19.2%;XLF:15.1%;TSLA:20.7%;TLT:22.5%;BRK.B:22.5%,US:61.5;EU:15.7;APAC:11.9;EM:6.8;Other:4.2,Value:+0.4;Growth:+0.6;Quality:+0.7;Size:-0.7;Momentum:-0.7;LowVol:0.0,NoMargin,7,25,3.9,trailing 8%,143,13.6,Bull,12.3,4.08,2.3,80,32,73,20,false,Buy,Add to core equity +1%,9,-38,BrokerD,LMT,88,None,None,Normal monitoring,70,-37,162,3,false,Increase defensive factor exposure
P3295,Active,Trust,USD,2024-09-29,639778,66769,573009,1.19,63.6,24.8,4.8,6.8,GLD:17.6%;TSLA:15.0%;MUB:25.0%;TLT:17.3%;AAPL:25.0%,US:74.4;EU:6.3;APAC:14.7;EM:3.3;Other:1.3,Value:-0.7;Growth:-0.3;Quality:+0.8;Size:-0.3;Momentum:+0.1;LowVol:+1.0,MaxPos8%,6,35,5.4,hard 12%,133,19.5,Bull,15.7,3.83,2.7,95,104,100,52,false,Rebalance,Shift +1% to bonds from equity,27,-19,BrokerC,VWAP,86,None,None,Normal monitoring,51,8,170,4,false,Increase defensive factor exposure
P3296,Opportunistic,IRA,USD,2024-07-20,931392,39957,891435,1.0,65.4,12.6,16.2,5.8,BRK.B:21.5%;BND:39.2%;IEF:39.2%,US:62.5;EU:14.5;APAC:11.9;EM:5.9;Other:5.2,Value:-0.2;Growth:+0.1;Quality:+0.5;Size:+0.6;Momentum:-0.4;LowVol:-0.5,NoDerivatives,7,25,4.4,trailing 7%,229,26.3,Volatile,24.5,4.82,3.7,136,-23,39,58,false,Buy,Add to core equity +1%,34,-14,BrokerB,MKT,95,None,None,Normal monitoring,21,-46,-1,4,false,Tax-aware sells next window
P3297,Cautious,Trust,USD,2025-06-07,663981,78360,585621,1.0,36.2,43.0,10.2,10.6,QQQ:27.0%;BND:20.5%;HYG:25.6%;MSFT:27.0%,US:69.5;EU:13.5;APAC:5.2;EM:10.3;Other:1.6,Value:+0.9;Growth:-0.7;Quality:-0.5;Size:-0.8;Momentum:-0.6;LowVol:+0.4,ESGOnly;NoMargin,8,30,3.2,hard 10%,96,15.3,Bull,12.7,4.17,2.8,93,15,47,25,false,Sell,Trim extended winner -1%,31,-10,BrokerB,LMT,90,None,None,Normal monitoring,11,20,6,4,false,Increase defensive factor exposure
P3298,Hands-off,IRA,USD,2025-09-05,352053,24192,327861,1.0,61.1,27.0,3.1,8.8,BRK.B:25.0%;HYG:25.0%;QQQ:25.0%;XLF:25.0%,US:63.5;EU:15.8;APAC:12.9;EM:3.5;Other:4.3,Value:-0.9;Growth:+0.1;Quality:+0.6;Size:-0.2;Momentum:+1.0;LowVol:-0.1,ESGOnly;NoDerivatives,5,25,4.5,trailing 8%,107,19.0,Bull,13.9,4.56,2.7,110,67,78,45,false,Hedge,Add TLT +1% as duration hedge,35,-39,BrokerB,MKT,100,None,None,Normal monitoring,7,9,31,5,false,Within IPS guidelines
P3299,Cautious,401k,USD,2025-08-11,341445,29074,312371,1.0,47.6,38.1,0.0,14.3,HYG:18.4%;TLT:19.1%;BND:16.2%;MUB:11.4%;QQQ:21.3%;GLD:13.6%,US:65.2;EU:13.3;APAC:11.6;EM:8.8;Other:1.2,Value:-0.2;Growth:-0.3;Quality:+0.6;Size:-0.1;Momentum:-0.6;LowVol:-0.7,ESGOnly;MaxPos6%;NoDerivatives;NoMargin,5,35,5.2,trailing 8%,142,13.0,Volatile,28.0,5.1,2.3,126,-9,57,63,false,Rebalance,Shift +1% to bonds from equity,-6,-12,BrokerA,LMT,92,None,None,Normal monitoring,-50,14,28,4,false,Monitor dispersion and breadth
P3300,Systematic,401k,USD,2024-10-18,1297334,112689,1184645,1.0,61.7,31.5,0.0,6.8,IEF:20.7%;VTI:6.8%;VOO:19.2%;MUB:20.7%;TLT:15.7%;TSLA:16.8%,US:64.4;EU:7.7;APAC:14.1;EM:12.3;Other:1.4,Value:-0.4;Growth:+0.8;Quality:-0.2;Size:+0.9;Momentum:+0.6;LowVol:+0.1,,6,25,5.1,hard 12%,151,24.7,Bull,13.1,4.85,3.4,87,92,82,41,false,Sell,Trim extended winner -1%,-15,-35,BrokerA,MKT,92,None,None,Normal monitoring,75,7,154,4,false,Increase defensive factor exposure
P3301,Opportunistic,Trust,USD,2025-12-15,1271049,92773,1178276,1.0,70.0,17.4,8.2,4.4,XLF:25.2%;BRK.B:24.5%;MSFT:25.2%;AAPL:25.2%,US:71.4;EU:7.2;APAC:11.3;EM:5.5;Other:4.5,Value:-0.5;Growth:+0.3;Quality:-0.7;Size:-0.5;Momentum:+0.9;LowVol:+0.7,MaxPos6%;NoDerivatives,10,30,5.5,trailing 9%,260,24.5,Volatile,24.2,4.09,3.5,170,-19,27,70,false,Sell,Trim extended winner -1%,28,12,BrokerD,MKT,89,None,None,Normal monitoring,-16,-56,-31,3,false,Increase defensive factor exposure
P3302,Systematic,401k,USD,2025-06-27,952033,66650,885383,1.0,63.1,28.1,0.0,8.8,HYG:6.3%;GLD:21.0%;QQQ:15.8%;TSLA:21.0%;XLF:16.6%;MSFT:19.4%,US:63.1;EU:14.5;APAC:10.0;EM:8.3;Other:4.1,Value:-1.0;Growth:-1.0;Quality:-0.1;Size:+0.7;Momentum:+0.9;LowVol:+0.8,,10,25,5.8,trailing 9%,216,24.0,Bull,11.1,4.72,2.1,73,3,56,49,false,Rebalance,Shift +1% to bonds from equity,26,1,BrokerB,LMT,92,None,None,Normal monitoring,49,11,117,4,false,Within IPS guidelines
P3303,Systematic,Trust,USD,2024-08-04,764882,65156,699726,1.0,56.6,24.6,13.4,5.3,BRK.B:16.5%;VOO:11.2%;VTI:11.2%;AAPL:20.5%;TSLA:20.5%;IEF:20.1%,US:71.1;EU:5.7;APAC:14.6;EM:7.8;Other:0.8,Value:+0.3;Growth:+1.0;Quality:-0.1;Size:+0.1;Momentum:-0.2;LowVol:-0.6,MaxPos8%;NoDerivatives,6,35,4.1,trailing 8%,200,25.2,Bear,26.5,3.67,2.8,143,-107,6,70,false,Buy,Add to core equity +1%,34,-17,BrokerA,MKT,93,None,None,Normal monitoring,10,-25,-2,3,false,Tax-aware sells next window
P3304,Hands-off,Trust,USD,2025-12-08,257225,20709,236516,1.0,64.3,20.3,5.6,9.9,VTI:21.1%;MUB:21.1%;VNQ:15.1%;IEF:21.1%;MSFT:12.2%;GLD:9.3%,US:68.9;EU:13.8;APAC:7.4;EM:8.4;Other:1.5,Value:-0.4;Growth:+0.2;Quality:+0.4;Size:-1.0;Momentum:+0.3;LowVol:-0.3,MaxPos7%,5,35,5.1,hard 10%,129,18.3,Bear,26.4,3.55,1.4,183,-31,43,66,false,Rebalance,Shift +1% to bonds from equity,35,14,BrokerD,MKT,90,None,None,Normal monitoring,100,8,218,4,false,Monitor dispersion and breadth
P3305,Opportunistic,Taxable,USD,2025-06-19,1239592,62251,1177341,1.16,63.7,12.4,15.3,8.6,HYG:27.9%;BND:27.9%;AMZN:16.2%;VTI:27.9%,US:64.7;EU:15.9;APAC:12.8;EM:5.1;Other:1.5,Value:-0.6;Growth:-0.8;Quality:-0.5;Size:-0.1;Momentum:-0.1;LowVol:+0.5,NoDerivatives,5,30,6.4,trailing 7%,209,25.3,Sideways,17.7,4.31,3.2,129,57,82,55,false,Rebalance,Shift +1% to bonds from equity,8,-3,BrokerD,LMT,86,None,None,Normal monitoring,-35,-12,-37,3,false,Increase defensive factor exposure
P3306,Hands-off,Trust,USD,2024-11-27,860564,65686,794878,1.0,69.8,19.3,4.6,6.3,XLF:20.1%;BND:18.3%;AMZN:22.5%;IEF:22.5%;GLD:16.6%,US:63.5;EU:18.0;APAC:6.5;EM:7.1;Other:4.8,Value:+0.4;Growth:+0.1;Quality:+0.4;Size:+0.2;Momentum:-0.1;LowVol:+0.5,,8,25,4.7,hard 10%,114,19.2,Bull,14.8,3.96,2.1,112,94,87,42,false,Rebalance,Shift +1% to bonds from equity,34,-2,BrokerC,MKT,98,None,None,Normal monitoring,-49,17,-9,5,false,Within IPS guidelines
P3307,Active,Roth,USD,2025-01-31,609844,38476,571368,1.0,61.6,22.9,6.5,9.0,MUB:14.1%;HYG:23.4%;TLT:23.4%;BND:23.4%;BRK.B:15.7%,US:65.2;EU:9.9;APAC:13.4;EM:6.2;Other:5.3,Value:-0.6;Growth:-0.2;Quality:+1.0;Size:+0.8;Momentum:+0.8;LowVol:-1.0,MaxPos5%;NoDerivatives,10,25,5.2,trailing 8%,197,26.1,Volatile,20.4,4.59,3.3,156,-33,21,52,false,Rebalance,Shift +1% to bonds from equity,4,-3,BrokerA,LMT,87,None,None,Normal monitoring,103,-32,177,3,false,Increase defensive factor exposure
P3308,Hands-off,Trust,USD,2025-08-06,342411,19724,322687,1.0,63.1,15.1,12.0,9.8,BND:22.4%;QQQ:14.6%;IEF:23.1%;AMZN:23.1%;VTI:16.8%,US:68.9;EU:12.6;APAC:8.0;EM:5.8;Other:4.6,Value:-0.4;Growth:+0.8;Quality:+0.8;Size:+0.8;Momentum:+0.3;LowVol:+0.3,,10,35,5.9,hard 10%,100,14.1,Sideways,17.0,4.74,2.1,105,60,73,46,true,Reduce,"Cut high-beta by 2-3%, add cash",31,-3,BrokerD,MKT,93,RegimeShift,Pause,Volatility spike and breadth deterioration,58,-47,102,3,false,Tax-aware sells next window
P3309,Hands-off,Trust,USD,2024-07-24,175507,11135,164372,1.0,65.5,28.3,0.0,6.2,VNQ:26.6%;IEF:20.2%;BND:26.6%;GLD:26.6%,US:59.6;EU:9.0;APAC:16.8;EM:12.5;Other:2.0,Value:-0.4;Growth:-0.2;Quality:+0.6;Size:+0.7;Momentum:+0.3;LowVol:+0.8,,10,35,3.1,trailing 8%,120,12.9,Sideways,17.7,3.96,2.8,130,43,72,45,false,Hedge,Add TLT +1% as duration hedge,35,-21,BrokerC,MKT,85,None,None,Normal monitoring,39,-13,20,4,false,Tighten stops on momentum names
P3310,Systematic,Trust,USD,2024-11-10,1661130,118565,1542565,1.0,67.8,20.2,2.3,9.7,BND:33.3%;AAPL:33.3%;IEF:33.3%,US:62.6;EU:15.4;APAC:8.3;EM:10.3;Other:3.4,Value:-0.0;Growth:+0.5;Quality:+0.4;Size:+0.9;Momentum:-1.0;LowVol:+0.6,MaxPos6%,7,25,5.3,trailing 8%,186,27.4,Bear,34.7,3.67,1.8,153,34,62,87,true,Reduce,"Cut high-beta by 2-3%, add cash",20,7,BrokerC,MKT,85,VAR>budget,Hedge,Risk above budget threshold,33,-15,51,5,false,Within IPS guidelines
P3311,Cautious,401k,USD,2025-06-19,531252,53394,477858,1.0,41.4,43.4,3.7,11.5,VTI:16.0%;IEF:12.0%;TSLA:16.0%;MUB:15.3%;TLT:18.9%;QQQ:21.8%,US:72.0;EU:7.3;APAC:11.8;EM:8.1;Other:0.8,Value:+0.5;Growth:-0.1;Quality:+0.5;Size:+0.4;Momentum:+0.7;LowVol:-0.3,NoMargin,10,35,5.0,trailing 8%,128,19.8,Bull,12.5,4.6,2.2,102,114,100,27,false,Rebalance,Shift +1% to bonds from equity,-10,-10,BrokerB,LMT,85,None,None,Normal monitoring,47,-42,14,4,false,Monitor dispersion and breadth
P3312,Systematic,IRA,USD,2024-07-22,1746437,141251,1605186,1.0,55.5,22.2,14.4,7.9,XLF:16.6%;BND:12.2%;AAPL:22.0%;BRK.B:18.0%;IEF:15.8%;AMZN:15.3%,US:64.7;EU:15.2;APAC:10.3;EM:8.7;Other:1.1,Value:+0.7;Growth:-0.8;Quality:-0.2;Size:+0.1;Momentum:-0.4;LowVol:+0.1,MaxPos5%,6,25,4.7,trailing 8%,128,22.4,Bull,11.6,4.22,3.5,108,45,78,27,false,Rebalance,Shift +1% to bonds from equity,-10,5,BrokerA,MKT,100,None,None,Normal monitoring,103,7,83,5,false,Tighten stops on momentum names
P3313,Active,401k,USD,2025-09-13,2134250,178454,1955796,1.0,60.1,20.0,13.4,6.5,TLT:21.8%;VOO:15.9%;HYG:21.8%;VNQ:14.2%;IEF:18.3%;VTI:8.0%,US:61.2;EU:13.5;APAC:15.5;EM:6.3;Other:3.4,Value:+0.8;Growth:-0.2;Quality:-0.0;Size:+0.7;Momentum:+0.2;LowVol:-0.4,MaxPos7%;NoDerivatives,6,30,5.4,trailing 8%,161,20.2,Bull,14.8,3.62,2.2,76,46,66,38,true,Hedge,Buy index puts 1% notional,14,-40,BrokerD,MKT,97,Drift>tolerance,Pause,Allocation drift beyond policy bands,34,20,100,2,false,Monitor dispersion and breadth
P3314,Hands-off,Trust,USD,2025-02-06,763877,46054,717823,1.0,65.3,18.4,11.1,5.1,IEF:26.9%;TSLA:16.5%;MUB:28.3%;BND:28.3%,US:75.3;EU:5.2;APAC:10.8;EM:4.2;Other:4.5,Value:+0.4;Growth:+1.0;Quality:-0.3;Size:+0.7;Momentum:-0.1;LowVol:-0.7,MaxPos6%,7,35,4.3,hard 10%,99,18.1,Bull,15.0,3.7,2.2,74,105,92,51,false,Rebalance,Shift +1% to bonds from equity,-1,-37,BrokerC,MKT,89,None,None,Normal monitoring,94,-31,119,3,false,Increase defensive factor exposure
P3315,Opportunistic,401k,USD,2024-07-16,1367447,113066,1254381,1.14,61.7,13.4,18.4,6.5,AMZN:12.4%;AAPL:25.2%;HYG:13.5%;TSLA:25.2%;BRK.B:23.8%,US:66.5;EU:19.0;APAC:6.9;EM:5.7;Other:1.9,Value:+0.4;Growth:-0.1;Quality:+0.1;Size:+0.1;Momentum:+0.1;LowVol:-0.9,,8,30,5.5,trailing 7%,174,27.2,Volatile,24.8,4.87,2.5,155,57,90,66,false,NoAction,Within bands; monitor,10,-32,BrokerB,MKT,0,None,None,Normal monitoring,-40,-1,44,3,false,Tighten stops on momentum names
P3316,Cautious,IRA,USD,2024-08-18,471956,43769,428187,1.0,50.3,33.9,0.0,15.8,AAPL:25.8%;MUB:25.8%;IEF:25.8%;QQQ:22.7%,US:71.4;EU:9.5;APAC:8.5;EM:6.6;Other:4.0,Value:+0.2;Growth:-0.6;Quality:-0.3;Size:-0.2;Momentum:+0.7;LowVol:-0.4,ESGOnly;MaxPos8%;NoMargin,10,25,4.6,trailing 8%,155,19.8,Volatile,27.0,4.47,4.2,155,19,70,64,false,Rebalance,Shift +1% to bonds from equity,-3,-28,BrokerA,VWAP,88,None,None,Normal monitoring,-44,-44,-11,4,false,Monitor dispersion and breadth
P3317,Systematic,Trust,USD,2024-11-14,704840,64151,640689,1.0,63.2,27.8,2.8,6.1,VOO:27.2%;AAPL:21.6%;BND:24.0%;VTI:27.2%,US:77.0;EU:10.2;APAC:5.9;EM:6.4;Other:0.5,Value:-0.5;Growth:-0.8;Quality:+0.2;Size:-0.8;Momentum:-0.1;LowVol:-0.8,MaxPos5%,10,30,5.0,hard 12%,176,17.3,Bull,14.2,4.45,3.3,101,113,93,54,false,Hedge,Add TLT +1% as duration hedge,-13,-6,BrokerC,LMT,95,None,None,Normal monitoring,104,-34,167,3,false,Tighten stops on momentum names
P3318,Active,Roth,USD,2025-08-13,2290824,204312,2086512,1.0,61.7,20.4,9.2,8.6,VOO:33.3%;HYG:33.3%;IEF:33.3%,US:65.6;EU:9.6;APAC:13.0;EM:8.9;Other:2.9,Value:+0.7;Growth:-0.9;Quality:+0.8;Size:+1.0;Momentum:-0.3;LowVol:-0.6,NoDerivatives,7,25,5.6,hard 12%,179,18.5,Bear,31.0,3.32,2.7,160,-25,44,73,true,Hedge,Buy index puts 1% notional,18,-33,BrokerD,MKT,96,RegimeShift,Pause,Volatility spike and breadth deterioration,42,-21,152,2,false,Monitor dispersion and breadth
P3319,Cautious,Trust,USD,2025-10-12,541213,55703,485510,1.0,46.6,39.3,1.2,13.0,AMZN:28.7%;MSFT:28.7%;VTI:28.7%;GLD:13.8%,US:66.7;EU:12.2;APAC:12.1;EM:6.4;Other:2.6,Value:-0.4;Growth:+0.8;Quality:+0.8;Size:+0.1;Momentum:+1.0;LowVol:-0.9,ESGOnly;NoMargin,6,35,4.7,trailing 8%,128,19.6,Volatile,28.9,5.3,2.3,117,-5,52,63,false,Buy,Add to core equity +1%,-15,1,BrokerC,LMT,97,None,None,Normal monitoring,18,-32,81,3,false,Within IPS guidelines
P3320,Hands-off,Taxable,USD,2025-04-23,746218,66991,679227,1.0,68.8,19.4,3.0,8.9,GLD:24.0%;VTI:14.4%;MUB:24.0%;MSFT:12.1%;TLT:13.2%;BND:12.2%,US:76.0;EU:7.3;APAC:10.9;EM:3.5;Other:2.3,Value:+0.4;Growth:+0.7;Quality:-0.2;Size:+0.4;Momentum:-0.2;LowVol:-0.6,,10,25,5.9,trailing 10%,128,18.6,Bull,16.5,4.01,3.0,112,113,100,46,false,Rebalance,Shift +1% to bonds from equity,14,-17,BrokerC,LMT,85,None,None,Normal monitoring,-28,-54,112,5,false,Within IPS guidelines
P3321,Cautious,Taxable,USD,2025-04-18,437308,51649,385659,1.0,47.9,36.6,0.0,15.5,AMZN:15.3%;VOO:18.8%;HYG:17.4%;TLT:13.4%;BRK.B:14.4%;VTI:20.6%,US:59.2;EU:19.8;APAC:8.6;EM:8.4;Other:4.0,Value:+0.1;Growth:+1.0;Quality:+0.2;Size:+0.3;Momentum:+0.2;LowVol:+0.3,ESGOnly;NoMargin,7,30,4.3,trailing 8%,120,16.2,Bull,13.5,4.73,3.5,73,61,81,37,true,Hedge,Buy index puts 1% notional,8,-34,BrokerA,LMT,85,VAR>budget,Hedge,Risk above budget threshold,110,-34,139,4,false,Tax-aware sells next window
P3322,Systematic,Roth,USD,2024-07-18,1191672,91241,1100431,1.0,60.1,23.0,9.2,7.6,TLT:21.6%;AMZN:20.0%;MSFT:7.1%;VTI:18.0%;BND:21.6%;MUB:11.8%,US:61.7;EU:16.6;APAC:8.9;EM:8.4;Other:4.5,Value:-0.4;Growth:-1.0;Quality:+0.5;Size:-0.2;Momentum:+0.8;LowVol:-0.2,NoDerivatives,5,35,4.7,trailing 8%,150,28.0,Bull,13.9,4.1,3.3,108,30,63,45,false,Buy,Add to core equity +1%,12,6,BrokerD,MKT,100,None,None,Normal monitoring,-34,19,100,5,false,Monitor dispersion and breadth
P3323,Active,IRA,USD,2024-09-18,793898,57667,736231,1.0,57.4,28.1,7.9,6.6,IEF:26.7%;GLD:20.0%;VOO:26.7%;TLT:26.7%,US:63.4;EU:16.2;APAC:7.6;EM:10.9;Other:2.0,Value:+0.3;Growth:-0.7;Quality:+1.0;Size:-1.0;Momentum:-0.1;LowVol:-0.2,,5,30,5.5,hard 12%,183,20.6,Sideways,14.1,4.74,2.4,138,40,58,43,false,Buy,Add to core equity +1%,25,10,BrokerA,MKT,89,None,None,Normal monitoring,111,-6,95,3,false,Within IPS guidelines
P3324,Hands-off,IRA,USD,2024-10-08,457532,40866,416666,1.0,61.4,16.4,16.9,5.3,BRK.B:21.2%;IEF:15.4%;MUB:21.2%;AMZN:20.7%;VOO:9.8%;MSFT:11.6%,US:57.6;EU:14.6;APAC:14.2;EM:9.3;Other:4.3,Value:-0.7;Growth:+0.4;Quality:-0.8;Size:+0.5;Momentum:-0.8;LowVol:+0.2,ESGOnly,5,25,5.5,trailing 10%,93,13.8,Bull,16.4,4.92,2.8,110,84,94,54,false,Buy,Add to core equity +1%,9,-9,BrokerC,MKT,99,None,None,Normal monitoring,-32,12,92,5,false,Increase defensive factor exposure
P3325,Cautious,Roth,USD,2025-12-20,302998,43266,259732,1.0,48.0,35.7,0.0,16.2,TSLA:33.3%;MUB:33.3%;AAPL:33.3%,US:57.1;EU:16.6;APAC:13.3;EM:11.4;Other:1.7,Value:-0.3;Growth:-0.5;Quality:-0.6;Size:-0.6;Momentum:-1.0;LowVol:+0.3,NoMargin,6,30,3.8,trailing 8%,147,14.0,Volatile,28.1,4.73,2.6,145,37,57,57,false,Buy,Add to core equity +1%,-8,-14,BrokerA,VWAP,97,None,None,Normal monitoring,41,-3,38,3,false,Tax-aware sells next window
P3326,Hands-off,401k,USD,2025-01-17,398810,29090,369720,1.0,64.7,20.0,7.3,8.0,AAPL:27.4%;TSLA:36.3%;TLT:36.3%,US:68.6;EU:17.2;APAC:5.4;EM:7.4;Other:1.3,Value:-0.2;Growth:+0.6;Quality:+0.8;Size:0.0;Momentum:+0.3;LowVol:-0.9,ESGOnly,7,35,4.6,trailing 8%,112,16.5,Bear,26.5,4.15,1.7,144,39,71,77,true,Rebalance,Rebalance back to target bands,-11,-16,BrokerC,MKT,100,VAR>budget,TightenStops,Risk above budget threshold,45,-30,139,3,false,Tighten stops on momentum names
P3327,Opportunistic,401k,USD,2025-01-21,1069093,89059,980034,1.21,61.3,13.0,17.9,7.8,TLT:23.6%;MSFT:18.5%;VOO:29.0%;MUB:29.0%,US:68.3;EU:12.8;APAC:12.0;EM:3.6;Other:3.3,Value:-1.0;Growth:-1.0;Quality:+0.2;Size:-0.1;Momentum:+0.6;LowVol:+0.1,MaxPos6%;NoDerivatives,7,35,7.0,trailing 9%,221,26.5,Bull,12.7,3.81,3.0,102,90,100,48,false,Rebalance,Shift +1% to bonds from equity,29,-38,BrokerA,LMT,88,None,None,Normal monitoring,39,-52,135,4,false,Monitor dispersion and breadth
P3328,Systematic,IRA,USD,2025-12-13,1156729,109124,1047605,1.0,59.9,26.5,6.0,7.6,VNQ:18.1%;AAPL:27.3%;TSLA:27.3%;BND:27.3%,US:75.6;EU:9.8;APAC:10.4;EM:4.0;Other:0.2,Value:+0.6;Growth:-0.5;Quality:-0.7;Size:-0.9;Momentum:-0.3;LowVol:+0.6,MaxPos8%,5,30,4.4,trailing 9%,179,23.3,Bull,16.4,4.41,3.3,95,27,52,44,false,Rebalance,Shift +1% to bonds from equity,30,5,BrokerC,MKT,87,None,None,Normal monitoring,94,-36,130,3,false,Tax-aware sells next window
P3329,Systematic,Trust,USD,2024-08-12,1018886,70712,948174,1.0,57.2,33.0,0.0,9.8,TSLA:15.2%;AAPL:28.3%;AMZN:28.3%;VOO:28.3%,US:63.9;EU:14.7;APAC:16.1;EM:3.9;Other:1.3,Value:0.0;Growth:-0.3;Quality:+0.2;Size:+0.2;Momentum:+0.3;LowVol:+0.5,,6,30,6.0,trailing 8%,153,22.3,Bear,32.7,3.65,3.0,183,-41,14,87,true,Hedge,Buy index puts 1% notional,8,12,BrokerC,VWAP,90,RegimeShift,Reduce,Volatility spike and breadth deterioration,-47,-54,44,2,false,Tax-aware sells next window
P3330,Active,Taxable,USD,2025-04-10,556445,47900,508545,1.0,52.0,27.3,11.6,9.2,AAPL:28.9%;IEF:35.5%;BRK.B:35.5%,US:69.5;EU:14.4;APAC:10.2;EM:4.1;Other:1.9,Value:+0.4;Growth:+0.8;Quality:+0.8;Size:+0.6;Momentum:-0.2;LowVol:0.0,MaxPos8%,10,35,5.7,hard 12%,132,25.7,Volatile,28.6,4.98,2.9,146,-41,38,64,false,Hedge,Add TLT +1% as duration hedge,-3,-35,BrokerD,VWAP,96,None,None,Normal monitoring,-24,-34,6,3,false,Tighten stops on momentum names
P3331,Opportunistic,Trust,USD,2025-09-24,1667558,145337,1522221,1.0,74.1,10.6,11.3,4.0,TSLA:33.3%;TLT:33.3%;AAPL:33.3%,US:65.5;EU:13.6;APAC:11.3;EM:9.4;Other:0.2,Value:+0.3;Growth:+0.8;Quality:+0.9;Size:-0.7;Momentum:-0.7;LowVol:-0.5,,8,30,4.8,trailing 9%,263,29.2,Volatile,31.5,3.65,2.7,153,55,77,81,true,Rebalance,Rebalance back to target bands,15,12,BrokerB,MKT,90,VAR>budget,Reduce,Risk above budget threshold,119,-24,233,5,false,Monitor dispersion and breadth
P3332,Opportunistic,401k,USD,2024-08-21,599152,53856,545296,1.0,63.9,21.9,5.8,8.5,MSFT:18.4%;TSLA:15.1%;MUB:12.4%;IEF:18.7%;VOO:14.1%;TLT:21.3%,US:71.7;EU:17.2;APAC:6.0;EM:4.0;Other:1.1,Value:+0.5;Growth:-0.5;Quality:-0.6;Size:-0.7;Momentum:+0.3;LowVol:-0.7,MaxPos6%;NoDerivatives,6,30,5.4,hard 12%,273,27.3,Volatile,30.7,5.29,2.6,128,60,84,76,true,Rebalance,Rebalance back to target bands,16,-1,BrokerA,LMT,94,RegimeShift,Hedge,Volatility spike and breadth deterioration,37,17,70,4,false,Tighten stops on momentum names
P3333,Cautious,IRA,USD,2024-10-17,585312,73784,511528,1.0,47.2,39.6,0.0,13.2,QQQ:26.3%;BND:26.3%;MSFT:21.1%;IEF:26.3%,US:72.4;EU:6.1;APAC:10.7;EM:10.1;Other:0.8,Value:-0.6;Growth:-0.4;Quality:-0.6;Size:-0.7;Momentum:-0.9;LowVol:-0.6,ESGOnly;NoMargin,8,25,5.9,trailing 10%,98,19.1,Bear,32.3,4.49,2.6,214,-88,5,79,true,Hedge,Buy index puts 1% notional,30,3,BrokerA,MKT,88,Drift>tolerance,Hedge,Allocation drift beyond policy bands,105,-56,89,5,false,Tighten stops on momentum names
P3334,Hands-off,IRA,USD,2024-09-11,566313,36953,529360,1.0,65.9,25.0,0.0,9.0,BND:23.0%;AMZN:15.1%;IEF:23.0%;MUB:20.1%;QQQ:18.8%,US:75.9;EU:12.7;APAC:5.2;EM:2.9;Other:3.3,Value:+0.1;Growth:-0.4;Quality:+0.9;Size:+0.2;Momentum:+0.9;LowVol:+0.9,MaxPos5%,7,35,5.7,trailing 8%,140,16.9,Sideways,16.7,3.95,2.2,108,-9,57,47,false,Sell,Trim extended winner -1%,-2,12,BrokerA,LMT,96,None,None,Normal monitoring,103,-46,132,5,false,Increase defensive factor exposure
P3335,Cautious,401k,USD,2024-07-24,190853,26643,164210,1.0,45.1,42.1,0.1,12.7,XLF:33.3%;VOO:33.3%;BRK.B:33.3%,US:60.6;EU:13.6;APAC:11.0;EM:10.4;Other:4.3,Value:-0.3;Growth:+0.6;Quality:+0.8;Size:+0.3;Momentum:+0.7;LowVol:0.0,NoDerivatives;NoMargin,8,25,5.0,trailing 8%,138,13.1,Bull,12.2,4.46,2.6,105,66,92,22,false,Rebalance,Shift +1% to bonds from equity,5,10,BrokerC,LMT,89,None,None,Normal monitoring,9,9,111,4,false,Increase defensive factor exposure
P3336,Active,Taxable,USD,2025-10-10,683181,54959,628222,1.0,52.0,28.1,12.6,7.3,MSFT:13.4%;XLF:22.6%;MUB:22.6%;BRK.B:19.7%;VNQ:21.6%,US:66.8;EU:13.0;APAC:9.8;EM:9.6;Other:0.8,Value:+0.1;Growth:-0.6;Quality:-0.3;Size:+0.6;Momentum:+0.1;LowVol:-0.4,NoDerivatives,8,35,5.1,trailing 8%,127,16.3,Bull,12.9,4.66,2.3,76,75,85,34,false,Rebalance,Shift +1% to bonds from equity,35,8,BrokerB,LMT,91,None,None,Normal monitoring,-39,8,-14,5,false,Monitor dispersion and breadth
P3337,Hands-off,Trust,USD,2025-07-16,739975,31268,708707,1.0,58.0,15.4,17.9,8.7,AAPL:33.3%;IEF:33.3%;VTI:33.3%,US:62.8;EU:13.5;APAC:14.3;EM:4.3;Other:5.2,Value:-0.1;Growth:-0.7;Quality:-0.3;Size:-0.9;Momentum:-0.7;LowVol:-0.3,ESGOnly,8,35,4.0,trailing 8%,101,14.6,Bull,14.8,3.73,2.7,77,29,55,46,true,Hedge,Buy index puts 1% notional,-10,-13,BrokerA,MKT,86,VAR>budget,Hedge,Risk above budget threshold,66,-14,150,4,false,Tax-aware sells next window
P3338,Cautious,Trust,USD,2024-10-03,354188,46614,307574,1.0,50.4,34.1,0.0,15.5,GLD:29.0%;IEF:35.5%;VTI:35.5%,US:60.4;EU:17.9;APAC:12.5;EM:6.5;Other:2.7,Value:+0.3;Growth:-0.6;Quality:+0.1;Size:+0.1;Momentum:-1.0;LowVol:+0.3,ESGOnly;MaxPos5%;NoDerivatives;NoMargin,6,25,5.1,trailing 10%,128,12.9,Sideways,19.8,4.42,3.0,117,-11,29,55,false,Rebalance,Shift +1% to bonds from equity,24,-34,BrokerB,LMT,93,None,None,Normal monitoring,102,-39,191,3,false,Within IPS guidelines
P3339,Cautious,IRA,USD,2025-11-27,574874,77993,496881,1.0,37.0,42.1,5.9,14.9,AAPL:33.3%;TSLA:33.3%;VTI:33.3%,US:68.3;EU:15.0;APAC:9.4;EM:7.1;Other:0.3,Value:0.0;Growth:-0.1;Quality:-0.9;Size:+0.3;Momentum:+0.6;LowVol:-0.3,MaxPos8%;NoMargin,6,35,3.1,trailing 10%,125,13.6,Bear,33.7,4.08,2.4,188,24,65,62,false,NoAction,Within bands; monitor,29,-33,BrokerD,LMT,93,None,None,Normal monitoring,56,0,54,4,false,Tax-aware sells next window
P3340,Active,Trust,USD,2025-09-05,1020451,112769,907682,1.0,54.7,23.8,16.1,5.5,VNQ:27.7%;VOO:27.7%;BND:27.7%;TSLA:17.0%,US:63.6;EU:11.0;APAC:15.5;EM:8.3;Other:1.6,Value:-0.6;Growth:+0.1;Quality:-0.3;Size:-0.7;Momentum:+0.5;LowVol:-0.8,,7,30,4.9,trailing 8%,163,27.6,Bear,32.3,3.79,1.8,214,-72,21,77,true,Hedge,Buy index puts 1% notional,-14,-17,BrokerB,MKT,96,VAR>budget,Pause,Risk above budget threshold,25,-21,15,2,false,Tax-aware sells next window
P3341,Opportunistic,Trust,USD,2025-05-03,748358,52567,695791,1.06,71.5,21.1,1.9,5.5,TLT:20.6%;GLD:16.6%;VNQ:17.9%;MUB:15.6%;MSFT:16.2%;BND:13.1%,US:60.1;EU:13.2;APAC:14.1;EM:6.8;Other:5.7,Value:+0.3;Growth:-0.1;Quality:-0.7;Size:+0.6;Momentum:-0.7;LowVol:+0.1,,10,35,6.9,trailing 9%,234,32.1,Bull,12.0,4.91,2.5,70,48,81,39,false,Buy,Add to core equity +1%,18,-5,BrokerA,LMT,98,None,None,Normal monitoring,88,2,165,5,false,Increase defensive factor exposure
P3342,Cautious,Taxable,USD,2025-01-02,839440,134295,705145,1.0,45.3,35.9,7.8,10.9,BRK.B:33.3%;TSLA:33.3%;MUB:33.3%,US:74.9;EU:8.1;APAC:9.9;EM:6.0;Other:1.0,Value:+0.6;Growth:-0.5;Quality:+0.2;Size:+0.7;Momentum:-0.7;LowVol:-0.6,NoDerivatives;NoMargin,6,25,3.7,hard 10%,168,16.5,Volatile,30.7,5.08,2.6,172,-16,40,64,false,Sell,Trim extended winner -1%,16,-37,BrokerA,LMT,94,None,None,Normal monitoring,-41,-17,-75,3,false,Increase defensive factor exposure
P3343,Cautious,Roth,USD,2024-12-11,186097,16161,169936,1.0,49.0,39.7,0.0,11.3,TLT:33.3%;QQQ:33.3%;TSLA:33.3%,US:69.4;EU:16.6;APAC:7.8;EM:5.6;Other:0.7,Value:-0.3;Growth:-0.8;Quality:+0.6;Size:+0.3;Momentum:+0.4;LowVol:-0.1,ESGOnly;NoMargin,5,35,4.2,trailing 10%,123,17.1,Bull,13.2,3.62,3.1,110,98,100,39,false,Sell,Trim extended winner -1%,33,-34,BrokerB,MKT,90,None,None,Normal monitoring,115,0,168,5,false,Within IPS guidelines
P3344,Opportunistic,Trust,USD,2025-06-16,897386,49290,848096,1.18,68.2,11.0,13.6,7.2,XLF:24.0%;AAPL:13.4%;GLD:24.0%;MUB:18.2%;QQQ:20.4%,US:67.7;EU:16.1;APAC:6.7;EM:6.3;Other:3.2,Value:-0.5;Growth:+0.3;Quality:-1.0;Size:+0.4;Momentum:+0.2;LowVol:-1.0,NoDerivatives,7,25,6.3,trailing 7%,184,33.2,Sideways,19.1,4.16,2.3,122,-9,41,68,true,Hedge,Buy index puts 1% notional,-14,-1,BrokerC,MKT,88,VAR>budget,Pause,Risk above budget threshold,-43,-13,96,5,false,Within IPS guidelines
P3345,Systematic,Trust,USD,2025-11-08,477029,40330,436699,1.0,55.5,25.1,12.5,7.0,TSLA:19.3%;AMZN:14.5%;IEF:16.1%;QQQ:15.9%;BND:16.8%;MUB:17.4%,US:66.7;EU:11.1;APAC:9.5;EM:12.4;Other:0.4,Value:-0.5;Growth:-0.4;Quality:+0.2;Size:-0.9;Momentum:-0.3;LowVol:-0.3,,6,30,4.5,hard 12%,205,20.6,Volatile,30.7,5.09,2.1,145,58,93,72,true,Rebalance,Rebalance back to target bands,10,-28,BrokerA,VWAP,86,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,89,-27,176,4,true,Within IPS guidelines
P3346,Opportunistic,Trust,USD,2024-12-22,1613180,135931,1477249,1.0,70.4,21.2,0.0,8.4,AAPL:22.9%;TSLA:18.3%;VTI:21.8%;TLT:14.2%;HYG:22.9%,US:62.1;EU:14.5;APAC:12.6;EM:9.0;Other:1.8,Value:-0.3;Growth:+0.5;Quality:+0.8;Size:-0.4;Momentum:-0.2;LowVol:-0.2,,6,35,4.6,trailing 7%,263,20.2,Volatile,25.7,4.19,3.1,143,69,80,72,true,Reduce,"Cut high-beta by 2-3%, add cash",-4,-14,BrokerC,MKT,95,VAR>budget,Hedge,Risk above budget threshold,8,20,26,3,false,Tax-aware sells next window
P3347,Active,Roth,USD,2024-07-11,2102633,139233,1963400,1.0,57.4,18.6,16.1,8.0,VNQ:33.3%;MUB:33.3%;VOO:33.3%,US:66.6;EU:13.0;APAC:9.7;EM:10.3;Other:0.4,Value:-0.5;Growth:+0.8;Quality:-0.7;Size:-0.6;Momentum:-0.6;LowVol:-0.9,,10,25,4.1,trailing 8%,125,22.5,Volatile,29.4,5.44,4.3,137,60,68,73,true,Rebalance,Rebalance back to target bands,11,-38,BrokerD,MKT,94,Drift>tolerance,Pause,Allocation drift beyond policy bands,119,-38,185,2,false,Tighten stops on momentum names
P3348,Opportunistic,IRA,USD,2025-09-19,1115281,78571,1036710,1.05,70.0,21.4,0.0,8.5,IEF:21.8%;QQQ:21.8%;BRK.B:14.3%;BND:20.2%;HYG:21.8%,US:67.3;EU:6.2;APAC:12.2;EM:10.8;Other:3.5,Value:-0.7;Growth:-0.6;Quality:-0.9;Size:-0.7;Momentum:+0.7;LowVol:-0.5,,10,25,5.0,hard 12%,220,24.3,Sideways,21.6,3.62,2.6,112,39,82,73,true,Rebalance,Rebalance back to target bands,-3,-20,BrokerB,LMT,97,RegimeShift,Reduce,Volatility spike and breadth deterioration,48,-19,12,3,false,Tighten stops on momentum names
P3349,Systematic,IRA,USD,2025-07-07,1257809,105415,1152394,1.0,59.7,33.0,0.0,7.4,GLD:8.4%;HYG:10.8%;AMZN:21.3%;MUB:21.3%;VTI:17.0%;TLT:21.2%,US:62.7;EU:11.0;APAC:13.1;EM:10.0;Other:3.1,Value:-0.4;Growth:+0.7;Quality:+0.1;Size:-0.6;Momentum:+1.0;LowVol:+0.5,NoDerivatives,5,30,4.4,trailing 8%,134,19.2,Sideways,14.1,4.05,2.8,133,53,70,43,false,Rebalance,Shift +1% to bonds from equity,21,-21,BrokerA,MKT,94,None,None,Normal monitoring,-55,-49,-82,3,false,Within IPS guidelines
P3350,Systematic,401k,USD,2025-09-06,1592233,149960,1442273,1.0,67.3,25.6,0.0,7.1,XLF:24.6%;AMZN:18.6%;IEF:12.2%;GLD:24.6%;VTI:19.9%,US:63.2;EU:7.5;APAC:14.5;EM:10.4;Other:4.3,Value:-0.4;Growth:0.0;Quality:+0.6;Size:+0.2;Momentum:+0.8;LowVol:-0.7,NoDerivatives,10,30,4.7,hard 12%,207,17.1,Volatile,21.3,3.62,4.1,180,2,46,52,false,Hedge,Add TLT +1% as duration hedge,28,12,BrokerA,VWAP,93,None,None,Normal monitoring,-12,4,28,4,false,Within IPS guidelines
P3351,Cautious,IRA,USD,2025-05-19,477343,69668,407675,1.0,42.7,35.2,8.9,13.2,HYG:26.3%;VTI:25.0%;BRK.B:22.0%;AAPL:26.6%,US:68.8;EU:9.9;APAC:8.7;EM:10.4;Other:2.2,Value:-0.2;Growth:-0.2;Quality:+0.4;Size:0.0;Momentum:+0.5;LowVol:+0.4,NoMargin,6,30,4.9,trailing 8%,160,17.0,Bull,12.2,4.56,3.0,80,49,65,31,false,Rebalance,Shift +1% to bonds from equity,-10,-26,BrokerC,MKT,99,None,None,Normal monitoring,42,-3,96,3,false,Tax-aware sells next window
P3352,Active,Trust,USD,2025-11-14,2407740,174299,2233441,1.0,56.8,31.8,3.1,8.3,TSLA:33.3%;HYG:33.3%;MSFT:33.3%,US:70.7;EU:9.0;APAC:9.6;EM:5.0;Other:5.7,Value:-0.2;Growth:-0.3;Quality:+1.0;Size:-0.0;Momentum:+0.8;LowVol:-0.2,MaxPos6%;NoDerivatives,7,25,5.8,trailing 8%,123,16.9,Sideways,16.9,4.24,3.3,126,45,67,57,false,NoAction,Within bands; monitor,-15,-12,BrokerB,VWAP,98,None,None,Normal monitoring,118,-20,237,4,false,Monitor dispersion and breadth
P3353,Hands-off,Roth,USD,2025-06-28,576662,39814,536848,1.0,61.1,28.6,2.7,7.6,IEF:20.3%;HYG:17.1%;BRK.B:11.0%;TLT:20.3%;QQQ:20.3%;AMZN:10.9%,US:67.3;EU:10.4;APAC:13.8;EM:6.4;Other:2.1,Value:0.0;Growth:+0.9;Quality:+0.3;Size:+0.4;Momentum:+0.2;LowVol:-0.8,,5,25,5.3,hard 10%,94,18.8,Bear,29.5,3.66,3.0,174,-7,37,72,true,Reduce,"Cut high-beta by 2-3%, add cash",6,-12,BrokerB,MKT,86,VAR>budget,Reduce,Risk above budget threshold,13,-27,42,2,false,Monitor dispersion and breadth
P3354,Active,401k,USD,2025-10-28,2417300,171376,2245924,1.0,68.5,22.2,1.1,8.2,VOO:22.1%;BRK.B:14.1%;BND:22.1%;IEF:8.3%;GLD:22.1%;TSLA:11.2%,US:68.0;EU:11.8;APAC:14.0;EM:5.8;Other:0.4,Value:+0.6;Growth:+0.8;Quality:-0.7;Size:+0.9;Momentum:+0.3;LowVol:-0.2,NoDerivatives,6,35,5.0,trailing 9%,196,21.0,Bull,13.0,4.65,2.9,105,59,82,44,true,Hedge,Buy index puts 1% notional,-15,11,BrokerA,MKT,96,VAR>budget,Hedge,Risk above budget threshold,60,11,196,3,false,Tighten stops on momentum names
P3355,Hands-off,Taxable,USD,2025-02-01,749709,30876,718833,1.0,56.7,26.6,8.0,8.8,AMZN:23.6%;AAPL:17.8%;VTI:22.2%;TLT:20.6%;TSLA:15.7%,US:55.3;EU:18.8;APAC:13.6;EM:11.4;Other:0.9,Value:+0.8;Growth:-0.4;Quality:-0.2;Size:-0.8;Momentum:+0.5;LowVol:-0.1,,5,30,3.2,trailing 8%,109,13.9,Sideways,15.4,4.83,2.7,92,28,71,50,true,Reduce,"Cut high-beta by 2-3%, add cash",-8,14,BrokerA,LMT,86,VAR>budget,Reduce,Risk above budget threshold,54,-21,163,3,false,Tax-aware sells next window
P3356,Cautious,Roth,USD,2024-07-13,800289,69600,730689,1.0,48.6,37.7,0.6,13.1,TLT:16.0%;AMZN:20.1%;BRK.B:20.7%;VNQ:9.6%;VTI:20.7%;VOO:13.0%,US:65.1;EU:17.1;APAC:12.1;EM:5.1;Other:0.7,Value:+0.1;Growth:-0.9;Quality:+0.6;Size:-0.5;Momentum:-0.6;LowVol:-0.4,MaxPos5%;NoMargin,8,30,5.9,trailing 8%,158,15.1,Bear,33.5,4.21,2.5,173,-117,5,71,true,Reduce,"Cut high-beta by 2-3%, add cash",24,-6,BrokerB,LMT,100,VAR>budget,Reduce,Risk above budget threshold,26,-4,62,5,false,Tax-aware sells next window
P3357,Active,Trust,USD,2025-11-19,509178,31118,478060,1.12,63.0,26.0,5.6,5.5,GLD:28.0%;IEF:28.0%;XLF:15.9%;BND:28.0%,US:69.7;EU:10.0;APAC:10.2;EM:7.6;Other:2.4,Value:+0.3;Growth:+0.4;Quality:-0.2;Size:-0.8;Momentum:-0.4;LowVol:-0.5,NoDerivatives,8,25,4.2,trailing 8%,135,19.0,Sideways,19.2,4.28,2.6,90,21,66,55,false,Buy,Add to core equity +1%,-9,9,BrokerB,MKT,90,None,None,Normal monitoring,98,-54,106,5,false,Within IPS guidelines
P3358,Active,IRA,USD,2024-10-24,650177,52602,597575,1.1,58.4,31.2,4.1,6.3,GLD:35.7%;IEF:35.7%;BND:28.5%,US:68.5;EU:10.1;APAC:13.1;EM:5.7;Other:2.6,Value:+0.8;Growth:+0.7;Quality:-0.9;Size:+0.4;Momentum:-0.0;LowVol:+0.5,,5,25,5.1,trailing 8%,195,19.7,Bull,13.0,4.53,2.0,78,61,91,47,false,Rebalance,Shift +1% to bonds from equity,27,-30,BrokerB,VWAP,94,None,None,Normal monitoring,-29,-26,-23,3,false,Tax-aware sells next window
P3359,Systematic,IRA,USD,2024-12-02,1223269,115871,1107398,1.0,60.9,21.9,9.7,7.4,VOO:35.0%;IEF:35.0%;AMZN:30.1%,US:62.9;EU:11.3;APAC:15.4;EM:8.9;Other:1.5,Value:+0.5;Growth:+0.6;Quality:+0.2;Size:-0.8;Momentum:-0.4;LowVol:+1.0,,10,30,5.6,trailing 9%,161,27.6,Volatile,30.6,3.94,4.0,128,-37,18,75,true,Hedge,Buy index puts 1% notional,23,-27,BrokerC,MKT,97,Drift>tolerance,Hedge,Allocation drift beyond policy bands,18,-5,32,2,false,Tighten stops on momentum names
P3360,Cautious,Trust,USD,2025-10-01,565672,48586,517086,1.0,38.3,42.0,1.9,17.8,TSLA:11.8%;BND:17.7%;IEF:17.6%;XLF:20.4%;BRK.B:15.5%;TLT:17.1%,US:77.1;EU:5.3;APAC:5.7;EM:7.8;Other:4.2,Value:-0.5;Growth:+0.2;Quality:-1.0;Size:+0.7;Momentum:+0.9;LowVol:+0.3,ESGOnly;NoMargin,10,25,5.7,hard 10%,147,13.2,Bear,22.3,3.73,1.0,160,-103,5,42,false,Sell,Trim extended winner -1%,7,-9,BrokerB,MKT,88,None,None,Normal monitoring,-56,-60,-93,4,false,Within IPS guidelines
P3361,Systematic,IRA,USD,2025-07-22,451623,43536,408087,1.0,58.7,29.6,5.2,6.5,GLD:27.7%;AMZN:27.7%;TSLA:17.0%;HYG:27.7%,US:61.5;EU:11.8;APAC:14.3;EM:10.5;Other:2.0,Value:+0.1;Growth:-0.5;Quality:-0.7;Size:+0.1;Momentum:-0.9;LowVol:+0.2,NoDerivatives,6,30,4.7,trailing 8%,211,19.8,Sideways,14.8,4.32,2.1,98,-23,28,46,true,Reduce,"Cut high-beta by 2-3%, add cash",16,-25,BrokerA,LMT,100,Drift>tolerance,Hedge,Allocation drift beyond policy bands,76,-27,170,2,true,Within IPS guidelines
P3362,Systematic,401k,USD,2025-09-30,1141430,100279,1041151,1.0,62.5,28.6,0.0,8.9,AMZN:12.6%;QQQ:18.0%;GLD:16.3%;MUB:15.7%;AAPL:20.3%;TSLA:17.1%,US:69.7;EU:13.2;APAC:10.2;EM:6.1;Other:0.8,Value:+0.2;Growth:+0.9;Quality:+0.7;Size:-0.5;Momentum:+0.8;LowVol:+0.6,MaxPos5%;NoDerivatives,7,30,5.6,trailing 8%,139,25.5,Volatile,27.3,3.89,2.8,162,68,91,63,false,Rebalance,Shift +1% to bonds from equity,22,-34,BrokerB,LMT,93,None,None,Normal monitoring,-51,9,-67,3,false,Monitor dispersion and breadth
P3363,Systematic,401k,USD,2024-07-28,1946384,97406,1848978,1.0,63.7,31.0,0.0,5.3,VOO:12.0%;AMZN:14.8%;XLF:12.4%;TLT:23.2%;QQQ:14.4%;BRK.B:23.2%,US:76.0;EU:7.7;APAC:6.9;EM:6.2;Other:3.2,Value:+0.7;Growth:+0.1;Quality:+0.8;Size:-1.0;Momentum:+0.8;LowVol:-0.8,,8,30,5.6,trailing 8%,133,18.1,Volatile,27.5,4.93,2.4,137,-57,34,69,false,NoAction,Within bands; monitor,0,-35,BrokerA,LMT,87,None,None,Normal monitoring,88,-32,224,4,false,Within IPS guidelines
P3364,Systematic,Roth,USD,2024-07-28,1474143,88312,1385831,1.0,55.4,27.4,10.8,6.5,XLF:22.6%;QQQ:22.6%;IEF:17.5%;VNQ:14.7%;VOO:22.6%,US:69.0;EU:12.6;APAC:7.4;EM:8.6;Other:2.3,Value:-0.8;Growth:+0.5;Quality:+0.1;Size:+0.5;Momentum:-0.9;LowVol:-0.1,,10,25,4.4,trailing 8%,184,22.4,Volatile,22.4,5.44,2.3,129,23,66,60,false,Sell,Trim extended winner -1%,26,4,BrokerD,VWAP,85,None,None,Normal monitoring,69,-18,195,5,false,Tax-aware sells next window
P3365,Active,401k,USD,2024-09-20,775730,86380,689350,1.0,50.2,29.7,14.9,5.2,VTI:26.0%;HYG:26.0%;BRK.B:22.0%;BND:26.0%,US:58.6;EU:17.3;APAC:11.6;EM:9.9;Other:2.7,Value:-0.1;Growth:-0.3;Quality:-0.7;Size:+0.4;Momentum:+0.1;LowVol:+0.9,MaxPos7%;NoDerivatives,8,25,4.8,trailing 8%,201,17.7,Volatile,22.3,5.02,2.4,146,77,98,55,false,Sell,Trim extended winner -1%,-15,-5,BrokerC,VWAP,100,None,None,Normal monitoring,52,-50,30,3,false,Tax-aware sells next window
P3366,Systematic,Roth,USD,2025-11-27,1854721,106211,1748510,1.0,62.8,31.9,0.0,5.3,TSLA:23.2%;XLF:9.7%;HYG:23.2%;GLD:23.2%;MUB:20.6%,US:63.9;EU:18.3;APAC:12.4;EM:4.4;Other:0.9,Value:+0.7;Growth:-1.0;Quality:-0.2;Size:-0.4;Momentum:-0.1;LowVol:+0.2,,10,35,5.9,hard 12%,149,18.4,Bear,23.8,3.88,2.0,188,-86,7,72,true,Rebalance,Rebalance back to target bands,24,9,BrokerD,LMT,99,RegimeShift,Reduce,Volatility spike and breadth deterioration,44,-43,165,3,true,Within IPS guidelines
P3367,Active,IRA,USD,2025-04-07,833457,92384,741073,1.0,65.2,21.3,5.8,7.7,IEF:25.6%;VTI:25.6%;MSFT:25.6%;MUB:23.3%,US:63.4;EU:19.8;APAC:10.6;EM:6.1;Other:0.1,Value:-0.9;Growth:+0.5;Quality:+0.4;Size:+0.1;Momentum:-0.3;LowVol:+0.3,MaxPos7%,8,35,5.5,trailing 8%,163,24.0,Volatile,27.2,5.08,2.1,158,-10,34,77,true,Hedge,Buy index puts 1% notional,-15,10,BrokerB,MKT,87,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-48,-21,61,4,false,Within IPS guidelines
P3368,Systematic,Taxable,USD,2025-06-18,1478935,96875,1382060,1.0,66.2,28.9,0.0,4.9,AAPL:10.3%;VTI:22.9%;BRK.B:23.6%;QQQ:19.6%;MSFT:23.6%,US:72.8;EU:12.2;APAC:7.2;EM:6.2;Other:1.6,Value:+0.4;Growth:-0.4;Quality:+0.8;Size:+1.0;Momentum:-1.0;LowVol:-0.0,MaxPos5%,7,35,5.3,hard 12%,154,25.8,Volatile,31.6,5.03,3.6,180,3,36,72,true,Hedge,Buy index puts 1% notional,-1,-25,BrokerB,VWAP,86,Drift>tolerance,Pause,Allocation drift beyond policy bands,-52,0,10,4,false,Within IPS guidelines
P3369,Active,IRA,USD,2024-12-23,1835141,146547,1688594,1.0,65.1,25.9,0.0,8.9,XLF:19.4%;MSFT:17.9%;QQQ:22.7%;VTI:22.7%;TLT:17.4%,US:63.1;EU:16.6;APAC:8.0;EM:9.0;Other:3.3,Value:-0.2;Growth:-0.2;Quality:+0.6;Size:+0.9;Momentum:+0.8;LowVol:-0.6,,6,30,5.0,hard 12%,133,22.3,Bull,17.3,4.73,2.1,93,71,89,56,false,Buy,Add to core equity +1%,7,-37,BrokerA,VWAP,96,None,None,Normal monitoring,3,-9,79,5,false,Increase defensive factor exposure
P3370,Hands-off,401k,USD,2024-07-13,706565,59487,647078,1.0,61.2,19.2,12.5,7.0,MSFT:25.1%;VTI:26.6%;AAPL:26.6%;BND:21.7%,US:59.5;EU:16.1;APAC:12.7;EM:11.6;Other:0.2,Value:-0.0;Growth:-0.4;Quality:+0.5;Size:+0.2;Momentum:+0.6;LowVol:+0.9,ESGOnly;MaxPos7%;NoDerivatives,6,25,4.5,hard 10%,164,15.1,Bull,13.6,3.73,2.9,84,34,61,34,false,Rebalance,Shift +1% to bonds from equity,9,-11,BrokerD,MKT,91,None,None,Normal monitoring,112,-57,178,4,false,Increase defensive factor exposure
P3371,Cautious,Taxable,USD,2024-11-10,895847,126580,769267,1.0,49.4,35.7,0.0,14.9,XLF:34.7%;TSLA:30.6%;GLD:34.7%,US:64.3;EU:19.5;APAC:11.3;EM:3.9;Other:1.0,Value:-0.5;Growth:+0.7;Quality:-0.9;Size:-0.5;Momentum:+1.0;LowVol:+0.8,MaxPos6%;NoDerivatives;NoMargin,5,25,5.0,trailing 8%,138,14.2,Volatile,29.4,3.55,3.9,168,-60,9,74,true,Reduce,"Cut high-beta by 2-3%, add cash",-10,14,BrokerA,MKT,92,VAR>budget,Reduce,Risk above budget threshold,97,-39,177,4,false,Increase defensive factor exposure
P3372,Active,Trust,USD,2025-10-18,2193417,189430,2003987,1.0,65.0,18.6,10.9,5.5,HYG:19.9%;MSFT:8.9%;BND:20.1%;QQQ:21.6%;BRK.B:8.0%;TLT:21.6%,US:65.5;EU:14.0;APAC:9.6;EM:8.6;Other:2.3,Value:+0.2;Growth:-0.2;Quality:+0.9;Size:-0.6;Momentum:+0.4;LowVol:-1.0,,7,35,5.4,trailing 8%,134,27.9,Bull,17.9,3.64,2.2,114,96,100,62,false,Sell,Trim extended winner -1%,5,-31,BrokerC,MKT,94,None,None,Normal monitoring,5,-31,123,3,false,Increase defensive factor exposure
P3373,Opportunistic,Taxable,USD,2025-05-06,835410,56751,778659,1.0,72.9,14.8,4.8,7.4,MSFT:11.4%;BND:20.2%;VOO:20.7%;QQQ:20.7%;GLD:19.5%;BRK.B:7.5%,US:65.1;EU:13.3;APAC:10.3;EM:7.7;Other:3.6,Value:-0.4;Growth:+0.5;Quality:+0.6;Size:+0.2;Momentum:0.0;LowVol:-0.9,MaxPos7%,7,35,4.2,trailing 9%,182,33.6,Bull,11.5,4.37,2.1,98,74,83,36,true,Rebalance,Rebalance back to target bands,19,-10,BrokerB,LMT,93,Drift>tolerance,Hedge,Allocation drift beyond policy bands,71,-39,199,3,false,Monitor dispersion and breadth
P3374,Active,Trust,USD,2025-11-03,1130387,80968,1049419,1.0,50.8,21.1,21.7,6.5,BRK.B:18.5%;HYG:11.5%;AAPL:12.6%;TLT:13.2%;GLD:22.1%;TSLA:22.1%,US:69.4;EU:12.6;APAC:9.8;EM:6.2;Other:2.0,Value:-0.7;Growth:+0.8;Quality:+0.9;Size:-0.4;Momentum:+0.7;LowVol:+0.9,,7,35,5.1,trailing 9%,135,17.6,Bear,28.8,3.11,1.2,154,-24,36,65,false,Rebalance,Shift +1% to bonds from equity,1,-19,BrokerD,LMT,90,None,None,Normal monitoring,12,-44,-2,4,false,Monitor dispersion and breadth
P3375,Active,Roth,USD,2024-10-04,681520,50023,631497,1.0,56.3,18.3,18.6,6.8,XLF:19.3%;BND:19.7%;HYG:20.4%;MUB:20.4%;MSFT:13.9%;TSLA:6.2%,US:68.9;EU:9.3;APAC:13.9;EM:5.1;Other:2.8,Value:+0.4;Growth:-0.9;Quality:+0.3;Size:+0.3;Momentum:+0.7;LowVol:-1.0,MaxPos6%;NoDerivatives,5,35,5.5,trailing 8%,146,24.2,Volatile,25.5,4.67,2.2,170,-6,57,55,false,Sell,Trim extended winner -1%,9,-25,BrokerA,MKT,89,None,None,Normal monitoring,70,-28,72,3,false,Within IPS guidelines
P3376,Systematic,IRA,USD,2025-10-08,769793,36751,733042,1.0,64.2,28.7,0.0,7.1,TLT:16.2%;VTI:23.7%;VNQ:24.1%;AMZN:24.1%;BRK.B:11.8%,US:67.1;EU:11.7;APAC:7.5;EM:10.0;Other:3.8,Value:+0.5;Growth:-1.0;Quality:-0.9;Size:+0.3;Momentum:-0.5;LowVol:-0.8,NoDerivatives,6,35,4.6,trailing 9%,179,24.6,Bear,34.4,3.07,2.7,219,-21,34,85,true,Rebalance,Rebalance back to target bands,-1,11,BrokerB,MKT,89,Drift>tolerance,Pause,Allocation drift beyond policy bands,80,-51,214,4,false,Tax-aware sells next window
P3377,Opportunistic,401k,USD,2025-01-13,1629784,85035,1544749,1.0,60.2,13.5,22.2,4.1,BRK.B:25.0%;QQQ:25.0%;AAPL:25.0%;MSFT:25.0%,US:64.2;EU:13.3;APAC:10.9;EM:9.9;Other:1.7,Value:+0.5;Growth:-0.0;Quality:-0.6;Size:+0.7;Momentum:+0.2;LowVol:-0.8,MaxPos7%;NoDerivatives,7,35,4.9,trailing 7%,223,28.1,Bear,30.4,4.35,1.2,200,-102,5,74,true,Reduce,"Cut high-beta by 2-3%, add cash",1,-1,BrokerC,VWAP,92,VAR>budget,Reduce,Risk above budget threshold,-39,-40,-44,4,false,Tax-aware sells next window
P3378,Hands-off,Roth,USD,2024-10-07,406076,32989,373087,1.0,61.5,23.2,6.9,8.5,BND:24.4%;VOO:29.8%;AMZN:16.1%;TLT:29.8%,US:61.3;EU:13.4;APAC:15.1;EM:7.3;Other:2.8,Value:+0.7;Growth:-0.2;Quality:+0.9;Size:-0.4;Momentum:-0.5;LowVol:-0.1,,8,35,5.6,trailing 8%,165,12.5,Volatile,26.7,4.55,4.4,144,46,81,78,true,Reduce,"Cut high-beta by 2-3%, add cash",30,-39,BrokerD,MKT,88,VAR>budget,Hedge,Risk above budget threshold,120,9,146,2,true,Monitor dispersion and breadth
P3379,Active,Trust,USD,2025-10-09,2155145,221338,1933807,1.0,65.0,23.8,5.6,5.6,VNQ:22.2%;AAPL:10.3%;VTI:22.7%;IEF:22.2%;BRK.B:22.7%,US:69.5;EU:6.8;APAC:11.6;EM:8.0;Other:4.1,Value:+0.2;Growth:-0.8;Quality:+0.2;Size:-0.7;Momentum:+0.4;LowVol:-0.3,MaxPos7%;NoDerivatives,5,30,5.6,trailing 9%,208,16.3,Sideways,18.9,4.32,3.4,112,-14,56,51,false,Rebalance,Shift +1% to bonds from equity,10,-15,BrokerA,MKT,92,None,None,Normal monitoring,-25,-31,-61,4,false,Within IPS guidelines
P3380,Hands-off,Taxable,USD,2024-12-05,651839,48749,603090,1.0,73.4,17.3,0.0,9.4,QQQ:33.3%;VOO:33.3%;AMZN:33.3%,US:55.3;EU:15.0;APAC:15.7;EM:10.9;Other:3.2,Value:-1.0;Growth:+0.2;Quality:+0.4;Size:-0.5;Momentum:+0.5;LowVol:+0.6,ESGOnly;MaxPos5%,10,25,3.6,trailing 10%,169,18.2,Bull,16.9,4.65,2.4,89,105,100,63,false,Rebalance,Shift +1% to bonds from equity,29,9,BrokerB,LMT,90,None,None,Normal monitoring,96,-46,87,4,false,Monitor dispersion and breadth
P3381,Systematic,401k,USD,2025-09-22,562489,36442,526047,1.0,63.3,30.2,1.1,5.4,MUB:25.1%;QQQ:25.1%;AAPL:25.1%;XLF:24.7%,US:72.0;EU:6.9;APAC:12.4;EM:6.5;Other:2.3,Value:-0.3;Growth:+0.7;Quality:-0.8;Size:-0.3;Momentum:-0.3;LowVol:-0.1,,5,35,4.8,hard 12%,199,19.4,Volatile,27.0,5.48,4.5,175,-11,29,73,true,Reduce,"Cut high-beta by 2-3%, add cash",-11,-1,BrokerA,MKT,97,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-11,-48,104,2,false,Increase defensive factor exposure
P3382,Active,IRA,USD,2024-10-15,631285,48310,582975,1.0,53.5,21.1,15.9,9.5,MUB:11.1%;AAPL:24.4%;HYG:24.4%;VOO:15.7%;VNQ:24.4%,US:72.2;EU:9.5;APAC:11.5;EM:4.7;Other:2.2,Value:-0.5;Growth:+0.5;Quality:+0.3;Size:-0.8;Momentum:-0.1;LowVol:-0.7,MaxPos6%;NoDerivatives,6,30,4.3,trailing 9%,189,20.8,Volatile,24.0,4.02,2.4,155,54,85,53,false,Rebalance,Shift +1% to bonds from equity,-1,1,BrokerD,LMT,90,None,None,Normal monitoring,25,-50,15,3,false,Monitor dispersion and breadth
P3383,Hands-off,IRA,USD,2025-08-17,528289,47578,480711,1.0,56.1,16.8,22.0,5.2,TSLA:21.8%;TLT:11.3%;VTI:19.8%;VNQ:21.8%;AMZN:14.4%;QQQ:10.9%,US:61.8;EU:11.9;APAC:10.3;EM:11.8;Other:4.2,Value:-0.6;Growth:+0.3;Quality:-0.7;Size:-0.2;Momentum:+0.1;LowVol:-0.8,MaxPos7%;NoDerivatives,8,25,4.9,trailing 8%,127,18.6,Sideways,14.8,4.68,2.7,98,10,62,45,false,Sell,Trim extended winner -1%,8,11,BrokerA,LMT,94,None,None,Normal monitoring,-1,0,82,3,false,Increase defensive factor exposure
P3384,Hands-off,401k,USD,2024-12-17,660403,53947,606456,1.0,69.8,24.2,0.0,5.9,MSFT:17.1%;TLT:18.0%;GLD:21.3%;MUB:9.1%;VTI:13.1%;BRK.B:21.3%,US:57.4;EU:12.3;APAC:14.7;EM:11.5;Other:4.1,Value:-0.1;Growth:-0.4;Quality:+0.6;Size:-0.9;Momentum:-1.0;LowVol:+0.6,ESGOnly;MaxPos8%,5,25,3.0,hard 10%,104,13.2,Volatile,21.6,3.7,3.0,146,15,53,75,true,Hedge,Buy index puts 1% notional,33,0,BrokerC,LMT,85,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-48,-53,69,5,false,Monitor dispersion and breadth
P3385,Systematic,Taxable,USD,2025-09-14,1701412,161578,1539834,1.0,58.8,22.2,11.7,7.3,TLT:16.7%;BRK.B:23.2%;MUB:14.4%;IEF:22.4%;HYG:23.2%,US:60.6;EU:18.1;APAC:12.7;EM:5.7;Other:2.8,Value:-0.1;Growth:+0.7;Quality:+0.8;Size:-0.2;Momentum:+0.5;LowVol:-0.8,MaxPos8%;NoDerivatives,8,25,5.3,trailing 8%,200,23.0,Bull,11.5,3.64,2.6,95,64,88,45,false,Rebalance,Shift +1% to bonds from equity,-15,0,BrokerA,MKT,100,None,None,Normal monitoring,26,-29,129,3,false,Increase defensive factor exposure
P3386,Opportunistic,Roth,USD,2024-12-03,1409073,119560,1289513,1.0,63.1,11.9,20.5,4.5,BRK.B:24.0%;BND:25.1%;TSLA:25.4%;MUB:25.4%,US:54.2;EU:19.5;APAC:11.8;EM:11.1;Other:3.5,Value:-0.7;Growth:-0.9;Quality:+0.8;Size:-0.9;Momentum:0.0;LowVol:-1.0,,5,30,5.6,trailing 7%,169,24.5,Sideways,20.3,3.85,3.0,127,-22,47,49,false,Rebalance,Shift +1% to bonds from equity,16,-15,BrokerC,MKT,90,None,None,Normal monitoring,103,-21,69,4,false,Increase defensive factor exposure
P3387,Opportunistic,Roth,USD,2025-08-22,1467931,48030,1419901,1.0,72.6,18.6,3.8,5.0,MUB:21.9%;IEF:22.5%;VTI:22.5%;BRK.B:22.5%;AAPL:10.6%,US:74.3;EU:6.7;APAC:5.9;EM:8.2;Other:5.0,Value:-0.2;Growth:-0.2;Quality:+0.9;Size:+0.5;Momentum:+0.4;LowVol:+0.3,MaxPos5%;NoDerivatives,7,35,6.8,trailing 7%,162,21.5,Bull,14.6,4.12,2.8,105,81,91,48,false,Buy,Add to core equity +1%,12,5,BrokerA,LMT,90,None,None,Normal monitoring,111,6,72,5,false,Increase defensive factor exposure
P3388,Cautious,Trust,USD,2025-08-14,730001,102998,627003,1.0,49.7,35.4,0.7,14.2,XLF:14.7%;BND:24.0%;TLT:24.0%;HYG:20.7%;VTI:16.6%,US:58.8;EU:13.1;APAC:15.8;EM:8.5;Other:3.8,Value:+0.1;Growth:-1.0;Quality:-0.2;Size:+0.9;Momentum:-0.4;LowVol:+0.3,ESGOnly;NoMargin,5,30,3.0,hard 10%,128,18.2,Volatile,29.0,4.23,2.1,172,48,75,77,true,Hedge,Buy index puts 1% notional,22,-35,BrokerA,LMT,94,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,21,-3,33,4,false,Monitor dispersion and breadth
P3389,Active,IRA,USD,2025-12-25,1932308,220715,1711593,1.0,61.9,27.1,5.5,5.5,VOO:21.9%;XLF:21.9%;HYG:17.3%;AMZN:21.9%;AAPL:17.2%,US:73.2;EU:12.5;APAC:7.8;EM:5.7;Other:0.7,Value:-0.0;Growth:-0.9;Quality:-0.0;Size:+0.6;Momentum:+0.2;LowVol:+0.9,NoDerivatives,7,35,4.5,trailing 9%,202,18.3,Bull,15.4,4.05,2.3,112,114,92,52,false,Buy,Add to core equity +1%,-8,-20,BrokerA,MKT,88,None,None,Normal monitoring,103,-58,80,4,false,Within IPS guidelines
P3390,Active,Taxable,USD,2025-04-17,836978,93268,743710,1.0,64.0,28.0,0.0,8.0,AMZN:20.2%;HYG:20.4%;VTI:19.4%;MSFT:14.8%;TSLA:15.2%;TLT:10.0%,US:59.6;EU:20.7;APAC:7.6;EM:6.7;Other:5.5,Value:-0.5;Growth:-1.0;Quality:+0.8;Size:-0.4;Momentum:-0.0;LowVol:-0.0,,5,35,5.2,trailing 8%,125,17.9,Bull,16.4,4.69,3.1,98,44,79,54,false,Buy,Add to core equity +1%,-13,5,BrokerC,MKT,99,None,None,Normal monitoring,78,-2,118,4,false,Tighten stops on momentum names
P3391,Hands-off,Trust,USD,2024-10-05,523057,25401,497656,1.0,67.7,27.4,0.0,5.0,GLD:25.4%;XLF:25.4%;IEF:25.4%;BRK.B:23.9%,US:65.7;EU:14.2;APAC:8.9;EM:10.4;Other:0.7,Value:+0.6;Growth:+0.3;Quality:-0.5;Size:-0.7;Momentum:-0.5;LowVol:+0.5,NoDerivatives,5,25,3.5,trailing 8%,142,15.4,Bull,16.7,4.68,3.1,114,58,82,59,false,Buy,Add to core equity +1%,-12,-40,BrokerB,LMT,87,None,None,Normal monitoring,23,-59,-10,5,false,Within IPS guidelines
P3392,Opportunistic,IRA,USD,2025-03-26,973706,60326,913380,1.0,67.1,17.3,10.1,5.5,XLF:33.3%;TSLA:33.3%;BND:33.3%,US:66.0;EU:21.4;APAC:7.0;EM:3.9;Other:1.7,Value:+0.9;Growth:+0.7;Quality:-0.3;Size:-0.2;Momentum:+0.8;LowVol:-0.0,NoDerivatives,8,35,6.5,trailing 7%,202,22.3,Sideways,17.1,3.63,3.3,133,55,73,54,false,Rebalance,Shift +1% to bonds from equity,10,12,BrokerD,VWAP,95,None,None,Normal monitoring,-5,-31,51,3,false,Tax-aware sells next window
P3393,Cautious,Taxable,USD,2025-06-28,767230,117097,650133,1.0,36.8,39.4,8.4,15.4,QQQ:23.0%;IEF:13.5%;VOO:23.0%;HYG:17.4%;AAPL:23.0%,US:65.0;EU:13.2;APAC:16.4;EM:3.8;Other:1.5,Value:-0.7;Growth:+0.5;Quality:+0.4;Size:-0.4;Momentum:-0.9;LowVol:-0.1,NoDerivatives;NoMargin,6,35,3.0,trailing 8%,90,17.6,Volatile,29.0,3.76,2.7,116,68,95,67,false,Rebalance,Shift +1% to bonds from equity,33,-23,BrokerA,MKT,88,None,None,Normal monitoring,5,-55,126,3,false,Tighten stops on momentum names
P3394,Active,Trust,USD,2024-07-18,945271,82197,863074,1.21,58.2,28.7,7.7,5.4,VOO:28.2%;TLT:35.9%;BRK.B:35.9%,US:73.6;EU:7.1;APAC:11.0;EM:5.7;Other:2.6,Value:+0.7;Growth:+0.1;Quality:-0.9;Size:-0.8;Momentum:+0.2;LowVol:-0.3,,8,35,5.0,trailing 8%,216,20.4,Bull,14.1,4.84,2.7,87,92,100,48,false,Rebalance,Shift +1% to bonds from equity,29,-1,BrokerC,MKT,100,None,None,Normal monitoring,116,-1,82,5,false,Tax-aware sells next window
P3395,Active,Taxable,USD,2024-07-31,2488081,231508,2256573,1.0,67.2,24.6,2.1,6.1,AAPL:33.3%;TLT:33.3%;TSLA:33.3%,US:64.7;EU:12.3;APAC:15.8;EM:5.5;Other:1.7,Value:+0.2;Growth:+0.5;Quality:+0.8;Size:+0.5;Momentum:-0.1;LowVol:-0.9,MaxPos7%;NoDerivatives,8,35,5.4,trailing 8%,146,19.1,Volatile,27.9,3.94,2.7,134,-17,39,69,false,Hedge,Add TLT +1% as duration hedge,15,-36,BrokerB,LMT,86,None,None,Normal monitoring,35,5,174,3,false,Within IPS guidelines
P3396,Systematic,401k,USD,2024-12-13,1991154,98207,1892947,1.0,66.1,28.3,0.0,5.6,MUB:22.8%;MSFT:22.8%;BRK.B:22.8%;HYG:8.9%;VOO:22.8%,US:69.5;EU:11.3;APAC:11.4;EM:6.8;Other:0.9,Value:-0.6;Growth:-0.8;Quality:+0.4;Size:+0.8;Momentum:-0.4;LowVol:0.0,,7,25,5.3,trailing 8%,174,20.9,Bull,17.4,3.74,3.3,84,71,99,57,false,Rebalance,Shift +1% to bonds from equity,-8,-37,BrokerD,MKT,89,None,None,Normal monitoring,9,-39,51,4,false,Increase defensive factor exposure
P3397,Active,Roth,USD,2025-02-11,1946205,124426,1821779,1.11,65.7,20.6,5.6,8.1,MSFT:27.8%;XLF:27.8%;TLT:27.8%;VOO:16.7%,US:68.2;EU:7.8;APAC:7.5;EM:11.8;Other:4.8,Value:+0.3;Growth:-0.0;Quality:-0.9;Size:-0.2;Momentum:+0.1;LowVol:-0.6,NoDerivatives,8,30,5.1,hard 12%,153,21.9,Sideways,15.0,4.75,2.6,119,23,51,55,false,Hedge,Add TLT +1% as duration hedge,5,-37,BrokerB,VWAP,86,None,None,Normal monitoring,8,-60,16,5,false,Increase defensive factor exposure
P3398,Cautious,401k,USD,2024-10-27,287358,24647,262711,1.0,35.4,36.6,14.0,14.0,VNQ:11.7%;VOO:21.6%;HYG:22.2%;GLD:22.2%;TLT:22.2%,US:66.8;EU:15.9;APAC:12.0;EM:5.1;Other:0.2,Value:-0.9;Growth:-0.3;Quality:+0.6;Size:-1.0;Momentum:+0.6;LowVol:-0.6,ESGOnly;NoDerivatives;NoMargin,10,25,5.9,trailing 8%,153,13.2,Sideways,15.9,3.86,2.2,110,49,69,25,false,Rebalance,Shift +1% to bonds from equity,18,-2,BrokerB,MKT,96,None,None,Normal monitoring,120,-11,111,5,false,Within IPS guidelines
P3399,Hands-off,Trust,USD,2025-02-10,729535,55355,674180,1.0,65.0,18.5,10.9,5.6,TLT:33.3%;VNQ:33.3%;MSFT:33.3%,US:62.2;EU:15.0;APAC:8.6;EM:11.1;Other:3.1,Value:+0.2;Growth:-0.2;Quality:-0.2;Size:+0.8;Momentum:-0.2;LowVol:+0.5,NoDerivatives,6,35,4.0,hard 10%,90,19.6,Bear,26.3,3.21,1.6,207,-23,23,71,true,Rebalance,Rebalance back to target bands,1,-26,BrokerB,MKT,93,VAR>budget,TightenStops,Risk above budget threshold,86,-11,213,3,false,Within IPS guidelines
P3400,Active,Taxable,USD,2025-12-08,1515056,129969,1385087,1.0,57.6,27.5,5.1,9.8,VOO:17.0%;MUB:7.9%;BND:21.9%;MSFT:11.7%;VTI:21.9%;GLD:19.6%,US:70.3;EU:8.8;APAC:12.7;EM:4.6;Other:3.5,Value:+0.3;Growth:+0.2;Quality:-0.9;Size:+0.1;Momentum:-0.2;LowVol:+0.2,MaxPos5%,8,30,4.5,trailing 9%,217,27.8,Sideways,14.3,4.13,3.4,95,10,68,37,false,Rebalance,Shift +1% to bonds from equity,33,10,BrokerB,MKT,85,None,None,Normal monitoring,6,-12,123,5,false,Within IPS guidelines
P3401,Cautious,Taxable,USD,2025-06-03,433089,63722,369367,1.0,39.0,31.5,13.4,16.1,MSFT:29.4%;XLF:26.9%;BND:29.4%;MUB:14.3%,US:67.9;EU:12.8;APAC:7.8;EM:6.9;Other:4.6,Value:-0.4;Growth:+0.5;Quality:-0.1;Size:-0.8;Momentum:-0.3;LowVol:-0.8,MaxPos7%;NoMargin,10,25,3.6,trailing 10%,165,15.2,Bear,33.8,3.77,2.5,209,24,54,67,false,Rebalance,Shift +1% to bonds from equity,16,-4,BrokerA,MKT,89,None,None,Normal monitoring,-16,-16,113,4,false,Monitor dispersion and breadth
P3402,Active,IRA,USD,2025-02-06,862857,78066,784791,1.0,60.4,27.4,7.1,5.2,AMZN:25.1%;VTI:25.1%;XLF:24.6%;GLD:25.1%,US:59.2;EU:20.8;APAC:12.3;EM:6.7;Other:0.9,Value:-0.1;Growth:+0.8;Quality:-0.9;Size:-0.1;Momentum:+0.2;LowVol:-0.2,,5,25,4.8,trailing 9%,206,27.7,Bull,11.5,4.85,2.8,97,18,71,44,false,Rebalance,Shift +1% to bonds from equity,19,3,BrokerA,VWAP,95,None,None,Normal monitoring,10,8,56,5,false,Within IPS guidelines
P3403,Hands-off,Roth,USD,2024-11-19,889091,53927,835164,1.0,67.8,25.7,0.0,6.5,MSFT:23.7%;IEF:23.7%;AMZN:15.1%;TSLA:13.7%;VOO:23.7%,US:62.9;EU:13.8;APAC:10.9;EM:8.6;Other:3.9,Value:-0.4;Growth:-0.3;Quality:+0.6;Size:+0.1;Momentum:+0.6;LowVol:-0.2,ESGOnly,6,30,5.3,trailing 8%,133,19.8,Bear,32.1,3.57,1.3,209,-12,50,75,true,Rebalance,Rebalance back to target bands,-4,-30,BrokerD,MKT,89,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-32,-23,-59,3,false,Monitor dispersion and breadth
P3404,Active,Roth,USD,2024-09-08,1868599,189621,1678978,1.0,50.1,24.8,15.7,9.3,IEF:23.5%;QQQ:23.8%;BRK.B:26.4%;VTI:26.4%,US:61.8;EU:16.2;APAC:11.8;EM:8.9;Other:1.4,Value:+0.2;Growth:+0.7;Quality:-0.8;Size:+0.4;Momentum:-0.7;LowVol:-0.3,NoDerivatives,10,35,4.8,trailing 8%,171,26.2,Bear,26.1,3.74,1.7,139,-57,35,54,true,Reduce,"Cut high-beta by 2-3%, add cash",9,1,BrokerC,VWAP,99,Drift>tolerance,Hedge,Allocation drift beyond policy bands,67,-27,135,4,true,Monitor dispersion and breadth
P3405,Systematic,Trust,USD,2025-05-30,1956265,147467,1808798,1.0,59.7,28.2,3.3,8.8,IEF:23.0%;AAPL:23.0%;TLT:18.5%;MUB:23.0%;BRK.B:12.5%,US:65.6;EU:11.9;APAC:8.5;EM:10.2;Other:3.9,Value:-0.3;Growth:+1.0;Quality:-0.9;Size:-0.7;Momentum:-0.5;LowVol:+0.4,MaxPos8%;NoDerivatives,8,25,5.3,hard 12%,153,25.6,Bull,13.1,3.8,2.4,87,36,80,43,false,Rebalance,Shift +1% to bonds from equity,-3,14,BrokerD,MKT,94,None,None,Normal monitoring,-45,7,66,4,false,Increase defensive factor exposure
P3406,Active,Roth,USD,2024-09-15,2442256,186506,2255750,1.0,64.1,29.9,0.0,6.0,TLT:17.5%;BRK.B:20.7%;HYG:10.4%;IEF:20.7%;XLF:15.3%;GLD:15.5%,US:74.7;EU:5.8;APAC:14.0;EM:5.4;Other:0.1,Value:-0.9;Growth:+0.5;Quality:-0.2;Size:+0.1;Momentum:+0.5;LowVol:-0.4,,10,25,5.3,trailing 8%,191,25.1,Bull,12.8,4.35,2.5,112,105,100,41,false,Buy,Add to core equity +1%,10,-11,BrokerB,LMT,94,None,None,Normal monitoring,65,-23,119,3,false,Increase defensive factor exposure
P3407,Opportunistic,401k,USD,2025-05-09,1515278,71323,1443955,1.0,75.0,19.5,0.0,5.4,VNQ:33.3%;TLT:33.3%;VTI:33.3%,US:66.6;EU:9.9;APAC:9.7;EM:9.8;Other:3.9,Value:-0.8;Growth:+0.9;Quality:-0.0;Size:-0.2;Momentum:-0.8;LowVol:-0.7,MaxPos6%;NoDerivatives,8,30,5.7,trailing 7%,167,22.5,Volatile,27.2,3.74,3.6,177,-8,58,71,true,Rebalance,Rebalance back to target bands,17,-15,BrokerB,MKT,94,Drift>tolerance,Reduce,Allocation drift beyond policy bands,63,-33,60,5,false,Increase defensive factor exposure
P3408,Cautious,IRA,USD,2025-07-22,608213,80977,527236,1.0,48.9,34.9,0.0,16.2,AMZN:33.3%;AAPL:33.3%;GLD:33.3%,US:72.5;EU:8.7;APAC:8.3;EM:7.0;Other:3.6,Value:+0.1;Growth:-0.2;Quality:-0.2;Size:-0.3;Momentum:-0.8;LowVol:+0.7,MaxPos7%;NoDerivatives;NoMargin,8,25,4.2,trailing 8%,127,18.8,Bull,12.7,4.5,3.3,105,28,76,28,false,Buy,Add to core equity +1%,-9,-28,BrokerC,MKT,91,None,None,Normal monitoring,42,-33,117,3,false,Increase defensive factor exposure
P3409,Opportunistic,Roth,USD,2025-09-03,426672,21447,405225,1.06,73.0,16.3,2.8,7.9,XLF:28.3%;TSLA:15.2%;MUB:28.3%;VOO:28.3%,US:72.0;EU:7.8;APAC:11.3;EM:5.4;Other:3.5,Value:+0.2;Growth:+0.3;Quality:0.0;Size:-0.7;Momentum:+0.3;LowVol:-0.5,,8,25,5.2,hard 12%,225,32.1,Bull,11.1,4.38,2.8,78,3,58,56,false,Rebalance,Shift +1% to bonds from equity,25,-8,BrokerC,LMT,85,None,None,Normal monitoring,112,8,222,5,false,Tighten stops on momentum names
P3410,Systematic,IRA,USD,2025-04-21,1577023,133882,1443141,1.0,55.2,30.4,5.4,9.0,AMZN:8.2%;QQQ:22.5%;AAPL:19.6%;MSFT:17.0%;GLD:10.2%;BRK.B:22.5%,US:62.8;EU:15.0;APAC:12.2;EM:9.6;Other:0.4,Value:+1.0;Growth:-0.3;Quality:+1.0;Size:+0.2;Momentum:+1.0;LowVol:-0.3,NoDerivatives,5,35,4.6,trailing 9%,207,24.9,Sideways,19.5,3.82,2.3,140,44,87,50,false,Rebalance,Shift +1% to bonds from equity,6,-11,BrokerC,LMT,93,None,None,Normal monitoring,-36,8,-70,3,false,Increase defensive factor exposure
P3411,Systematic,IRA,USD,2025-06-05,494949,35457,459492,1.0,62.6,21.0,6.6,9.8,AAPL:21.2%;TSLA:11.1%;TLT:8.9%;AMZN:21.2%;VTI:16.6%;MUB:21.2%,US:64.6;EU:8.9;APAC:12.7;EM:10.1;Other:3.7,Value:-0.3;Growth:+0.9;Quality:+0.7;Size:-1.0;Momentum:+0.7;LowVol:-0.6,,8,25,5.7,trailing 8%,208,23.9,Sideways,18.1,3.89,2.4,124,-26,42,52,false,Rebalance,Shift +1% to bonds from equity,21,-30,BrokerC,LMT,88,None,None,Normal monitoring,104,-3,77,4,false,Within IPS guidelines
P3412,Opportunistic,IRA,USD,2025-02-08,522533,22393,500140,1.0,64.9,17.0,10.8,7.3,VOO:24.1%;BND:13.4%;TLT:20.0%;XLF:24.1%;TSLA:18.3%,US:70.0;EU:13.6;APAC:5.6;EM:9.7;Other:1.1,Value:0.0;Growth:-0.2;Quality:+0.2;Size:-0.4;Momentum:+0.2;LowVol:-0.1,,10,35,6.7,hard 12%,195,29.1,Sideways,19.1,4.02,2.2,109,23,63,52,false,Buy,Add to core equity +1%,28,-10,BrokerC,LMT,85,None,None,Normal monitoring,-15,-38,125,3,false,Within IPS guidelines
P3413,Hands-off,IRA,USD,2025-08-12,412306,31073,381233,1.0,61.0,16.8,15.0,7.2,VNQ:17.0%;TSLA:27.7%;BRK.B:27.7%;IEF:27.7%,US:66.0;EU:15.3;APAC:9.1;EM:5.5;Other:4.1,Value:+0.5;Growth:+0.7;Quality:+0.2;Size:+0.2;Momentum:-0.3;LowVol:-0.7,ESGOnly,7,30,3.1,trailing 8%,113,18.4,Volatile,30.9,3.5,3.2,171,-60,12,78,true,Hedge,Buy index puts 1% notional,9,-3,BrokerB,MKT,100,VAR>budget,Hedge,Risk above budget threshold,-43,-29,-7,2,false,Within IPS guidelines
P3414,Opportunistic,Taxable,USD,2025-09-09,593890,31654,562236,1.0,68.8,13.0,13.0,5.1,IEF:23.4%;XLF:16.9%;GLD:21.4%;AMZN:14.8%;TSLA:23.4%,US:77.1;EU:6.8;APAC:12.4;EM:3.5;Other:0.1,Value:+0.7;Growth:+0.9;Quality:+0.1;Size:+0.7;Momentum:+0.3;LowVol:-0.3,,5,30,4.4,trailing 7%,198,33.5,Volatile,31.7,3.66,2.9,150,79,100,91,true,Reduce,"Cut high-beta by 2-3%, add cash",23,-10,BrokerB,MKT,98,Drift>tolerance,Hedge,Allocation drift beyond policy bands,10,-48,149,3,false,Increase defensive factor exposure
P3415,Cautious,Roth,USD,2024-11-02,733797,79014,654783,1.0,47.0,40.0,0.0,13.0,GLD:33.3%;AMZN:33.3%;VNQ:33.3%,US:68.6;EU:7.7;APAC:15.6;EM:6.7;Other:1.4,Value:-1.0;Growth:0.0;Quality:-0.5;Size:-0.5;Momentum:+0.6;LowVol:+0.3,NoMargin,5,30,5.8,trailing 8%,102,12.3,Volatile,21.3,5.08,3.6,172,9,63,50,false,Rebalance,Shift +1% to bonds from equity,27,-37,BrokerC,LMT,99,None,None,Normal monitoring,93,-16,195,5,false,Tax-aware sells next window
P3416,Cautious,Taxable,USD,2025-08-24,260847,24206,236641,1.0,38.4,42.3,2.4,17.0,BND:12.9%;QQQ:25.0%;VTI:25.0%;TLT:25.0%;MSFT:12.0%,US:60.7;EU:16.9;APAC:6.5;EM:13.5;Other:2.4,Value:-0.3;Growth:-0.2;Quality:+0.7;Size:-0.3;Momentum:+0.2;LowVol:+0.6,ESGOnly;NoMargin,5,25,3.6,trailing 10%,159,12.3,Sideways,15.0,3.65,2.8,108,44,71,43,true,Rebalance,Rebalance back to target bands,17,-28,BrokerB,LMT,100,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-19,-17,-26,5,false,Increase defensive factor exposure
P3417,Opportunistic,IRA,USD,2024-10-17,1694390,149105,1545285,1.0,65.2,19.4,9.6,5.8,AMZN:26.5%;VNQ:26.5%;GLD:26.5%;HYG:20.6%,US:62.3;EU:15.5;APAC:12.4;EM:6.2;Other:3.7,Value:-0.6;Growth:0.0;Quality:-0.4;Size:+0.9;Momentum:-0.4;LowVol:+0.7,,8,25,4.6,trailing 9%,270,21.9,Bull,16.9,4.75,3.3,89,82,92,62,false,Buy,Add to core equity +1%,19,12,BrokerC,LMT,92,None,None,Normal monitoring,98,-14,74,5,false,Tighten stops on momentum names
P3418,Active,Roth,USD,2024-10-16,1439372,133418,1305954,1.0,50.6,22.7,18.0,8.7,MSFT:23.9%;TSLA:23.9%;HYG:19.4%;VTI:23.9%;BND:8.9%,US:70.9;EU:8.3;APAC:12.5;EM:6.3;Other:2.0,Value:-0.2;Growth:-0.7;Quality:-0.9;Size:+0.4;Momentum:+0.3;LowVol:+0.2,MaxPos8%,10,25,4.7,hard 12%,149,23.8,Bear,26.4,3.97,2.0,193,34,82,59,true,Hedge,Buy index puts 1% notional,20,-37,BrokerD,MKT,94,RegimeShift,Hedge,Volatility spike and breadth deterioration,112,1,131,4,false,Increase defensive factor exposure
P3419,Systematic,IRA,USD,2025-09-28,1918457,172518,1745939,1.0,55.0,29.6,6.8,8.6,QQQ:21.3%;BRK.B:19.0%;AAPL:18.8%;TLT:21.3%;TSLA:19.6%,US:73.9;EU:7.8;APAC:5.5;EM:8.6;Other:4.2,Value:+0.7;Growth:-0.6;Quality:-0.4;Size:+0.8;Momentum:-0.5;LowVol:+0.4,NoDerivatives,5,35,5.7,hard 12%,148,17.9,Bull,17.9,4.83,3.4,85,79,88,40,false,Sell,Trim extended winner -1%,18,-29,BrokerA,MKT,86,None,None,Normal monitoring,37,10,137,3,false,Tax-aware sells next window
P3420,Active,401k,USD,2025-07-17,787782,73783,713999,1.0,59.2,22.1,11.7,7.1,BRK.B:27.6%;XLF:27.6%;VTI:27.6%;IEF:17.3%,US:66.8;EU:15.5;APAC:8.1;EM:5.8;Other:3.8,Value:+0.7;Growth:-0.1;Quality:+0.3;Size:+0.9;Momentum:-0.6;LowVol:-0.4,,5,35,4.8,trailing 8%,170,22.9,Volatile,22.2,5.39,2.8,143,76,81,63,false,Buy,Add to core equity +1%,23,-33,BrokerB,MKT,87,None,None,Normal monitoring,101,19,212,3,false,Tax-aware sells next window
P3421,Active,IRA,USD,2024-08-22,2185514,249443,1936071,1.09,66.2,27.6,0.0,6.2,QQQ:23.9%;HYG:28.3%;GLD:19.5%;AAPL:28.3%,US:64.6;EU:15.4;APAC:12.3;EM:6.0;Other:1.8,Value:+0.7;Growth:+0.9;Quality:+0.9;Size:-0.0;Momentum:-0.3;LowVol:+0.3,NoDerivatives,8,35,4.2,trailing 8%,165,19.3,Bear,33.9,3.04,2.7,156,-47,32,81,true,Hedge,Buy index puts 1% notional,33,-31,BrokerA,MKT,88,VAR>budget,Hedge,Risk above budget threshold,-53,8,-81,5,false,Tighten stops on momentum names
P3422,Hands-off,Roth,USD,2025-05-07,231642,19750,211892,1.0,62.8,21.8,7.1,8.2,AAPL:17.9%;MSFT:20.6%;VOO:16.3%;TLT:13.0%;IEF:19.5%;QQQ:12.7%,US:69.8;EU:10.0;APAC:11.3;EM:7.9;Other:0.9,Value:-0.0;Growth:+0.9;Quality:-0.2;Size:+0.3;Momentum:+0.7;LowVol:+0.4,,8,30,3.3,trailing 10%,156,13.9,Sideways,15.2,5.0,3.4,110,-4,40,57,false,Rebalance,Shift +1% to bonds from equity,14,10,BrokerC,MKT,91,None,None,Normal monitoring,-11,-14,-28,4,false,Tighten stops on momentum names
P3423,Hands-off,Trust,USD,2025-04-06,423425,38219,385206,1.0,59.4,30.0,2.8,7.9,QQQ:24.7%;XLF:25.1%;TSLA:25.1%;AAPL:25.1%,US:71.6;EU:9.6;APAC:12.5;EM:5.0;Other:1.3,Value:+0.3;Growth:-0.8;Quality:+0.4;Size:-0.9;Momentum:+0.5;LowVol:+0.5,,10,30,5.9,trailing 8%,148,19.6,Bull,12.7,4.65,2.6,108,88,83,49,false,Hedge,Add TLT +1% as duration hedge,11,-3,BrokerB,MKT,97,None,None,Normal monitoring,111,-20,225,3,false,Tighten stops on momentum names
P3424,Active,IRA,USD,2024-08-16,1238878,90216,1148662,1.0,62.2,31.4,0.0,6.5,QQQ:22.7%;AAPL:19.2%;BRK.B:22.7%;TSLA:22.7%;IEF:12.8%,US:74.2;EU:7.1;APAC:8.4;EM:7.3;Other:3.0,Value:-0.3;Growth:-0.8;Quality:-0.1;Size:+0.8;Momentum:-0.3;LowVol:+0.3,,7,30,4.2,trailing 8%,212,19.7,Bull,11.8,4.55,3.4,109,83,100,38,false,Sell,Trim extended winner -1%,-5,-24,BrokerC,MKT,96,None,None,Normal monitoring,65,-28,145,5,false,Tighten stops on momentum names
P3425,Cautious,Taxable,USD,2025-02-19,835201,89060,746141,1.0,43.2,35.2,4.4,17.2,MUB:25.0%;VNQ:25.0%;TLT:25.0%;HYG:25.0%,US:66.1;EU:16.1;APAC:7.5;EM:8.0;Other:2.3,Value:-1.0;Growth:-0.5;Quality:+0.5;Size:-0.8;Momentum:-0.8;LowVol:+0.3,ESGOnly;MaxPos6%;NoMargin,10,25,5.3,trailing 10%,95,12.5,Volatile,22.7,5.31,2.9,145,55,66,58,false,Buy,Add to core equity +1%,5,3,BrokerD,MKT,93,None,None,Normal monitoring,-8,14,65,3,false,Tighten stops on momentum names
P3426,Cautious,Taxable,USD,2025-11-07,784649,119716,664933,1.0,43.5,41.0,0.0,15.5,BND:29.9%;IEF:35.0%;VNQ:35.0%,US:66.8;EU:12.2;APAC:7.2;EM:9.9;Other:3.9,Value:-0.8;Growth:-0.6;Quality:-0.2;Size:+0.8;Momentum:-0.9;LowVol:-0.1,ESGOnly;NoDerivatives;NoMargin,8,25,5.0,hard 10%,96,17.0,Bear,25.4,3.13,2.3,142,20,62,47,false,Rebalance,Shift +1% to bonds from equity,34,-25,BrokerC,LMT,89,None,None,Normal monitoring,26,-6,25,4,false,Increase defensive factor exposure
P3427,Cautious,Trust,USD,2025-12-23,580647,52144,528503,1.0,44.7,35.5,7.1,12.7,VOO:13.0%;AMZN:22.9%;XLF:22.9%;MUB:19.1%;BRK.B:22.0%,US:67.7;EU:9.4;APAC:10.1;EM:8.7;Other:4.1,Value:-1.0;Growth:+0.2;Quality:+0.6;Size:-0.8;Momentum:-0.6;LowVol:+0.3,MaxPos6%;NoDerivatives;NoMargin,6,25,4.9,trailing 10%,145,18.1,Bear,28.1,4.46,2.5,131,29,53,73,true,Rebalance,Rebalance back to target bands,25,-29,BrokerA,VWAP,100,RegimeShift,TightenStops,Volatility spike and breadth deterioration,-24,-30,-60,4,false,Tighten stops on momentum names
P3428,Active,Taxable,USD,2025-07-14,1263506,88326,1175180,1.0,59.0,26.5,9.2,5.3,VNQ:33.3%;TSLA:33.3%;BRK.B:33.3%,US:68.6;EU:6.6;APAC:12.6;EM:10.1;Other:2.2,Value:-0.5;Growth:+0.1;Quality:+0.5;Size:-0.9;Momentum:+0.2;LowVol:+0.2,,7,35,5.9,trailing 9%,189,16.7,Bull,13.2,4.11,2.8,73,62,76,49,false,Rebalance,Shift +1% to bonds from equity,23,-24,BrokerD,MKT,99,None,None,Normal monitoring,4,11,21,3,false,Increase defensive factor exposure
P3429,Active,Taxable,USD,2024-08-29,2144932,187058,1957874,1.0,57.3,24.1,9.2,9.4,AAPL:14.8%;MSFT:21.5%;QQQ:6.6%;VOO:19.0%;BRK.B:21.5%;GLD:16.6%,US:72.0;EU:8.6;APAC:12.8;EM:5.6;Other:1.1,Value:+1.0;Growth:+1.0;Quality:-0.9;Size:-0.8;Momentum:-0.1;LowVol:-0.6,,7,35,4.3,hard 12%,195,26.0,Bear,33.6,4.14,2.1,180,-98,9,78,true,Hedge,Buy index puts 1% notional,33,14,BrokerA,LMT,89,VAR>budget,TightenStops,Risk above budget threshold,-5,-4,23,3,false,Monitor dispersion and breadth
P3430,Systematic,Taxable,USD,2024-09-19,1996045,84324,1911721,1.0,59.0,30.9,4.9,5.1,AMZN:22.5%;HYG:22.5%;TLT:14.9%;VTI:21.5%;GLD:18.7%,US:65.4;EU:10.0;APAC:12.7;EM:9.1;Other:2.8,Value:-0.9;Growth:+0.7;Quality:+0.1;Size:+0.6;Momentum:-0.1;LowVol:-0.3,,6,35,5.4,trailing 9%,169,25.6,Volatile,20.3,4.35,3.7,161,17,59,48,true,Hedge,Buy index puts 1% notional,-15,-8,BrokerC,VWAP,99,Drift>tolerance,Hedge,Allocation drift beyond policy bands,115,-25,179,5,false,Increase defensive factor exposure
P3431,Cautious,IRA,USD,2024-10-27,883096,119349,763747,1.0,37.9,37.2,8.8,16.1,VOO:27.9%;BRK.B:16.4%;VNQ:27.9%;GLD:27.9%,US:72.1;EU:6.3;APAC:12.8;EM:7.8;Other:1.1,Value:+0.6;Growth:+0.7;Quality:-1.0;Size:-0.4;Momentum:-0.1;LowVol:+0.4,NoDerivatives;NoMargin,5,25,5.1,trailing 10%,148,14.7,Bear,32.5,3.88,1.2,198,-7,37,74,true,Rebalance,Rebalance back to target bands,1,-9,BrokerB,MKT,96,VAR>budget,TightenStops,Risk above budget threshold,-3,17,-11,4,false,Monitor dispersion and breadth
P3432,Cautious,401k,USD,2025-01-22,680440,56083,624357,1.0,54.5,31.9,0.3,13.3,MSFT:33.3%;HYG:33.3%;TLT:33.3%,US:58.5;EU:19.5;APAC:12.1;EM:8.9;Other:1.0,Value:-0.3;Growth:+0.2;Quality:-0.4;Size:+0.6;Momentum:0.0;LowVol:+0.5,NoDerivatives;NoMargin,5,25,3.0,hard 10%,141,14.2,Volatile,31.0,4.42,3.7,154,-19,29,66,false,NoAction,Within bands; monitor,6,6,BrokerD,LMT,99,None,None,Normal monitoring,113,-23,200,4,false,Monitor dispersion and breadth
P3433,Opportunistic,Taxable,USD,2024-12-13,866425,61440,804985,1.0,62.7,15.0,14.6,7.7,QQQ:11.3%;MUB:24.5%;AAPL:24.1%;BND:24.5%;XLF:15.8%,US:73.1;EU:9.0;APAC:11.6;EM:5.6;Other:0.8,Value:+0.5;Growth:-0.6;Quality:-0.9;Size:0.0;Momentum:+0.4;LowVol:+0.4,,7,35,5.3,trailing 9%,217,21.0,Sideways,15.5,3.55,2.1,109,44,61,43,false,Sell,Trim extended winner -1%,19,10,BrokerC,LMT,98,None,None,Normal monitoring,0,-15,94,5,false,Increase defensive factor exposure
P3434,Cautious,Roth,USD,2024-10-01,757715,99206,658509,1.0,37.7,45.0,5.9,11.4,BND:22.0%;AMZN:22.0%;TLT:17.0%;MSFT:8.7%;TSLA:15.8%;MUB:14.6%,US:72.7;EU:13.0;APAC:9.1;EM:3.7;Other:1.5,Value:+1.0;Growth:+0.2;Quality:+0.1;Size:+0.1;Momentum:+0.4;LowVol:-0.4,ESGOnly;NoMargin,5,30,5.2,trailing 8%,95,19.3,Bull,12.8,4.82,2.9,116,14,66,32,false,Rebalance,Shift +1% to bonds from equity,31,-31,BrokerD,MKT,86,None,None,Normal monitoring,-29,-16,77,4,false,Tax-aware sells next window
P3435,Cautious,Taxable,USD,2024-12-04,446779,69368,377411,1.0,54.5,30.7,2.6,12.2,MSFT:33.3%;TLT:33.3%;VTI:33.3%,US:73.5;EU:8.8;APAC:7.4;EM:8.1;Other:2.2,Value:-0.9;Growth:-0.2;Quality:-0.5;Size:+0.7;Momentum:-0.7;LowVol:+0.1,ESGOnly;NoDerivatives;NoMargin,7,25,5.2,trailing 10%,151,17.2,Volatile,28.6,4.73,2.9,118,39,60,70,false,Sell,Trim extended winner -1%,34,1,BrokerB,MKT,94,None,None,Normal monitoring,49,-44,175,5,false,Tighten stops on momentum names
P3436,Opportunistic,Trust,USD,2025-04-16,1582506,134463,1448043,1.07,72.1,19.6,0.0,8.3,MUB:11.9%;HYG:19.8%;TLT:22.1%;GLD:22.1%;VTI:10.2%;QQQ:13.9%,US:70.8;EU:9.8;APAC:9.3;EM:9.4;Other:0.7,Value:+0.8;Growth:+0.2;Quality:-0.8;Size:-0.5;Momentum:+0.5;LowVol:+0.2,MaxPos6%;NoDerivatives,8,30,4.8,trailing 7%,189,21.1,Bull,14.8,4.64,3.4,104,49,72,58,false,Sell,Trim extended winner -1%,-6,-22,BrokerC,LMT,97,None,None,Normal monitoring,-38,-52,9,3,false,Increase defensive factor exposure
P3437,Opportunistic,Trust,USD,2025-09-29,1770094,136910,1633184,1.0,67.1,21.6,3.7,7.6,VTI:22.5%;AMZN:20.1%;BND:12.6%;QQQ:22.3%;HYG:22.5%,US:65.3;EU:12.5;APAC:12.5;EM:5.2;Other:4.5,Value:-0.8;Growth:-0.4;Quality:+0.9;Size:+0.9;Momentum:+0.3;LowVol:-0.4,NoDerivatives,8,25,4.6,trailing 7%,220,26.5,Volatile,25.4,3.56,3.2,178,-4,42,67,false,Rebalance,Shift +1% to bonds from equity,27,-22,BrokerB,MKT,86,None,None,Normal monitoring,30,-38,-6,4,false,Increase defensive factor exposure
P3438,Cautious,Taxable,USD,2024-07-22,729458,113581,615877,1.0,43.6,40.2,0.0,16.2,VNQ:12.8%;MSFT:18.9%;QQQ:20.8%;TLT:20.8%;GLD:5.9%;IEF:20.8%,US:68.6;EU:15.0;APAC:5.0;EM:10.9;Other:0.5,Value:+0.3;Growth:+1.0;Quality:+0.3;Size:+0.9;Momentum:-0.5;LowVol:+0.7,NoDerivatives;NoMargin,8,25,5.9,hard 10%,170,19.0,Volatile,27.6,3.58,3.6,122,56,74,56,true,Hedge,Buy index puts 1% notional,8,2,BrokerC,MKT,88,VAR>budget,Reduce,Risk above budget threshold,-40,-31,-69,4,false,Tax-aware sells next window
P3439,Cautious,Trust,USD,2024-12-28,872458,111631,760827,1.0,51.5,33.4,3.5,11.7,BND:33.3%;MUB:33.3%;XLF:33.3%,US:65.5;EU:14.5;APAC:11.6;EM:7.4;Other:0.9,Value:+0.8;Growth:+0.7;Quality:-0.2;Size:+0.1;Momentum:-0.9;LowVol:+0.8,NoDerivatives;NoMargin,7,25,5.8,trailing 8%,142,16.3,Sideways,20.6,3.52,2.8,112,-19,41,51,false,Rebalance,Shift +1% to bonds from equity,28,-18,BrokerA,LMT,89,None,None,Normal monitoring,2,5,-22,5,false,Tighten stops on momentum names
P3440,Systematic,Roth,USD,2025-03-04,1354969,134962,1220007,1.0,67.4,25.5,0.0,7.1,VOO:7.3%;AAPL:19.9%;HYG:19.5%;AMZN:22.0%;BRK.B:22.0%;TLT:9.4%,US:76.7;EU:10.6;APAC:8.5;EM:4.1;Other:0.1,Value:+0.4;Growth:+0.2;Quality:+0.3;Size:+0.9;Momentum:-0.3;LowVol:-0.0,MaxPos5%;NoDerivatives,5,30,4.4,hard 12%,227,23.5,Bear,23.2,3.79,1.2,197,20,67,65,false,Rebalance,Shift +1% to bonds from equity,34,-39,BrokerB,LMT,92,None,None,Normal monitoring,116,18,229,4,false,Tax-aware sells next window
P3441,Hands-off,401k,USD,2025-04-06,571765,25520,546245,1.0,55.9,26.5,11.0,6.6,HYG:20.4%;QQQ:21.2%;BRK.B:21.2%;BND:9.2%;MUB:13.9%;VOO:14.1%,US:66.8;EU:6.8;APAC:12.4;EM:9.5;Other:4.6,Value:+0.7;Growth:-0.6;Quality:-0.4;Size:-0.0;Momentum:+0.9;LowVol:-0.2,ESGOnly;MaxPos7%;NoDerivatives,8,25,3.2,trailing 8%,95,12.6,Bear,31.9,3.74,1.3,193,-28,37,73,true,Hedge,Buy index puts 1% notional,10,-37,BrokerC,VWAP,94,VAR>budget,TightenStops,Risk above budget threshold,-42,-32,-10,2,false,Monitor dispersion and breadth
P3442,Cautious,Roth,USD,2025-01-11,635822,98502,537320,1.0,39.1,30.7,13.9,16.2,XLF:21.0%;GLD:13.0%;MSFT:22.7%;QQQ:20.1%;BND:23.3%,US:68.6;EU:10.6;APAC:12.8;EM:6.3;Other:1.6,Value:+0.1;Growth:+0.7;Quality:-0.7;Size:+0.6;Momentum:-0.3;LowVol:+0.1,NoMargin,7,30,5.5,hard 10%,159,17.2,Bull,16.3,3.76,2.4,81,65,95,41,false,Buy,Add to core equity +1%,13,-21,BrokerD,MKT,92,None,None,Normal monitoring,34,-27,149,5,false,Increase defensive factor exposure
P3443,Hands-off,IRA,USD,2025-01-07,768246,37471,730775,1.0,68.2,19.7,3.0,9.1,VOO:19.1%;TLT:21.5%;AAPL:16.9%;VNQ:21.5%;AMZN:21.0%,US:63.0;EU:14.2;APAC:10.6;EM:8.4;Other:3.8,Value:-0.2;Growth:+0.6;Quality:-0.3;Size:-0.0;Momentum:-0.6;LowVol:+0.6,MaxPos7%;NoDerivatives,5,25,5.9,hard 10%,159,14.3,Sideways,16.3,4.74,3.0,128,50,62,48,false,Rebalance,Shift +1% to bonds from equity,5,-37,BrokerC,VWAP,96,None,None,Normal monitoring,27,18,18,4,false,Tighten stops on momentum names
P3444,Cautious,401k,USD,2024-11-06,153503,14122,139381,1.0,49.9,39.3,0.0,10.8,VTI:21.5%;VOO:19.6%;XLF:21.5%;TSLA:8.0%;MUB:21.5%;AMZN:7.8%,US:65.7;EU:18.3;APAC:8.5;EM:5.8;Other:1.6,Value:-0.9;Growth:+1.0;Quality:-0.3;Size:+0.9;Momentum:-0.1;LowVol:+0.1,NoMargin,7,30,3.4,trailing 8%,112,13.9,Sideways,20.4,4.93,2.6,139,-13,34,57,false,Buy,Add to core equity +1%,-1,-40,BrokerA,LMT,88,None,None,Normal monitoring,59,-19,35,5,false,Monitor dispersion and breadth
P3445,Systematic,Trust,USD,2024-07-17,1683532,104486,1579046,1.0,57.5,25.1,11.3,6.2,GLD:26.0%;BND:28.4%;TLT:17.3%;VOO:28.4%,US:70.1;EU:8.7;APAC:10.2;EM:8.1;Other:2.9,Value:-0.9;Growth:+0.5;Quality:+0.2;Size:-0.2;Momentum:-0.6;LowVol:+0.4,,5,25,4.9,trailing 9%,171,26.1,Sideways,17.4,4.07,2.4,118,44,59,41,false,Rebalance,Shift +1% to bonds from equity,25,7,BrokerA,MKT,93,None,None,Normal monitoring,68,-49,160,5,false,Increase defensive factor exposure
P3446,Cautious,401k,USD,2024-07-10,511862,77231,434631,1.0,42.4,34.4,13.0,10.3,MSFT:22.1%;AMZN:16.9%;VTI:20.9%;BRK.B:19.8%;GLD:20.2%,US:68.8;EU:15.8;APAC:10.8;EM:3.4;Other:1.2,Value:-0.0;Growth:-0.5;Quality:+0.9;Size:-0.2;Momentum:-0.0;LowVol:+0.5,MaxPos7%;NoMargin,8,35,5.9,trailing 8%,136,16.8,Bull,12.8,3.84,2.8,120,5,41,31,false,Rebalance,Shift +1% to bonds from equity,1,11,BrokerD,LMT,92,None,None,Normal monitoring,-42,-42,-72,4,false,Increase defensive factor exposure
P3447,Opportunistic,401k,USD,2024-12-08,823779,51096,772683,1.0,73.2,20.7,0.0,6.1,AAPL:19.8%;VTI:25.9%;TLT:27.2%;HYG:27.2%,US:72.8;EU:12.8;APAC:9.5;EM:4.7;Other:0.2,Value:+0.1;Growth:+0.9;Quality:+0.2;Size:-0.0;Momentum:+0.5;LowVol:+0.7,NoDerivatives,7,35,5.6,hard 12%,264,25.6,Sideways,15.0,3.88,3.2,95,16,56,61,false,Buy,Add to core equity +1%,31,-29,BrokerC,MKT,96,None,None,Normal monitoring,0,-39,138,3,false,Increase defensive factor exposure
P3448,Hands-off,Roth,USD,2025-08-13,880807,49134,831673,1.0,72.8,19.6,1.3,6.2,HYG:22.8%;XLF:22.8%;VOO:22.8%;AAPL:12.0%;GLD:19.5%,US:59.1;EU:17.5;APAC:10.3;EM:11.0;Other:2.1,Value:-0.9;Growth:+0.5;Quality:-0.2;Size:+0.9;Momentum:-1.0;LowVol:-0.6,MaxPos5%,5,30,3.6,trailing 8%,126,13.4,Volatile,24.0,4.94,2.5,119,-16,48,61,false,Rebalance,Shift +1% to bonds from equity,-7,-39,BrokerC,LMT,95,None,None,Normal monitoring,59,-16,186,3,false,Within IPS guidelines
P3449,Cautious,Taxable,USD,2025-07-24,205964,26350,179614,1.0,38.1,44.6,4.9,12.4,BND:15.5%;HYG:22.9%;AMZN:16.0%;BRK.B:22.9%;TLT:22.9%,US:59.8;EU:14.8;APAC:11.8;EM:12.1;Other:1.4,Value:-0.5;Growth:+0.4;Quality:+0.3;Size:+0.5;Momentum:-0.1;LowVol:-0.1,ESGOnly;NoMargin,6,30,5.0,trailing 10%,132,13.0,Volatile,21.7,5.24,4.5,137,-49,33,38,true,Hedge,Buy index puts 1% notional,17,11,BrokerC,LMT,89,RegimeShift,Reduce,Volatility spike and breadth deterioration,0,-44,28,4,false,Within IPS guidelines
P3450,Systematic,IRA,USD,2024-08-11,1955649,101011,1854638,1.0,62.1,29.9,0.0,8.0,IEF:16.7%;VOO:20.7%;VTI:20.7%;VNQ:8.4%;HYG:14.6%;AAPL:18.9%,US:73.7;EU:8.4;APAC:13.8;EM:3.9;Other:0.1,Value:+0.7;Growth:+0.3;Quality:+0.6;Size:-0.9;Momentum:+0.1;LowVol:-0.0,MaxPos5%;NoDerivatives,7,30,4.8,trailing 8%,146,17.0,Sideways,19.9,4.98,2.9,133,59,83,54,false,Rebalance,Shift +1% to bonds from equity,-15,-10,BrokerB,LMT,94,None,None,Normal monitoring,96,-50,74,5,false,Tighten stops on momentum names
P3451,Active,401k,USD,2025-10-28,1590628,96425,1494203,1.0,56.5,26.6,11.0,5.9,AMZN:9.7%;QQQ:21.6%;XLF:21.6%;VNQ:17.3%;VOO:9.4%;BND:20.3%,US:75.1;EU:7.2;APAC:9.5;EM:3.7;Other:4.6,Value:+0.8;Growth:-0.9;Quality:-0.5;Size:+0.4;Momentum:-0.6;LowVol:+0.9,,6,30,4.3,trailing 8%,133,24.0,Sideways,21.2,3.78,2.3,101,-23,31,61,false,Rebalance,Shift +1% to bonds from equity,-2,-2,BrokerB,LMT,96,None,None,Normal monitoring,43,-20,138,4,false,Increase defensive factor exposure
P3452,Systematic,Taxable,USD,2024-12-12,1314853,75564,1239289,1.0,60.9,27.1,5.4,6.6,AMZN:20.2%;BND:7.1%;IEF:20.2%;MUB:20.2%;QQQ:13.5%;VTI:18.8%,US:69.6;EU:9.4;APAC:11.3;EM:9.0;Other:0.7,Value:+0.8;Growth:+0.2;Quality:+0.8;Size:+1.0;Momentum:-0.6;LowVol:-0.7,NoDerivatives,8,35,5.8,hard 12%,147,27.0,Bull,12.8,4.81,2.0,106,7,43,50,false,Rebalance,Shift +1% to bonds from equity,31,-32,BrokerA,MKT,92,None,None,Normal monitoring,93,-22,177,3,false,Tighten stops on momentum names
P3453,Cautious,Taxable,USD,2025-06-14,212496,23865,188631,1.0,47.0,36.1,0.0,16.8,BND:8.5%;MSFT:19.2%;TLT:14.7%;HYG:21.7%;XLF:21.7%;VOO:14.3%,US:60.1;EU:15.2;APAC:8.1;EM:13.0;Other:3.6,Value:+0.1;Growth:+0.2;Quality:+0.8;Size:+0.5;Momentum:+0.9;LowVol:+0.7,ESGOnly;NoDerivatives;NoMargin,5,35,5.2,hard 10%,161,16.6,Volatile,28.5,3.86,3.4,144,56,82,68,false,Sell,Trim extended winner -1%,16,6,BrokerB,MKT,99,None,None,Normal monitoring,-14,-55,23,3,false,Monitor dispersion and breadth
P3454,Active,401k,USD,2025-10-31,1929578,156711,1772867,1.0,65.1,30.1,0.0,4.8,VNQ:26.4%;VTI:26.4%;AMZN:20.8%;XLF:26.4%,US:62.5;EU:18.7;APAC:11.7;EM:3.6;Other:3.5,Value:0.0;Growth:+0.9;Quality:+0.5;Size:+0.5;Momentum:+0.5;LowVol:-0.5,,8,30,4.9,hard 12%,143,18.0,Sideways,17.1,3.73,3.2,109,27,76,44,false,Rebalance,Shift +1% to bonds from equity,-1,-38,BrokerA,MKT,88,None,None,Normal monitoring,-10,-36,49,3,false,Tax-aware sells next window
P3455,Opportunistic,Roth,USD,2024-07-28,621638,31582,590056,1.0,60.7,18.4,15.9,5.1,HYG:7.8%;IEF:15.7%;XLF:18.2%;BRK.B:17.5%;TLT:20.5%;VTI:20.2%,US:73.2;EU:10.1;APAC:7.7;EM:6.1;Other:2.9,Value:-0.6;Growth:-0.8;Quality:+0.4;Size:-0.4;Momentum:-0.5;LowVol:-0.2,,10,25,4.3,trailing 7%,208,26.8,Sideways,19.5,4.23,2.3,94,60,66,60,true,Hedge,Buy index puts 1% notional,20,-26,BrokerD,MKT,98,VAR>budget,Hedge,Risk above budget threshold,45,4,78,4,true,Tax-aware sells next window
P3456,Cautious,Taxable,USD,2025-09-19,438382,64101,374281,1.0,44.5,36.3,7.0,12.2,AMZN:22.5%;QQQ:25.8%;XLF:25.8%;VNQ:25.8%,US:65.4;EU:9.8;APAC:9.8;EM:10.6;Other:4.4,Value:-0.6;Growth:+1.0;Quality:+0.7;Size:-0.3;Momentum:+0.6;LowVol:-0.4,MaxPos5%;NoMargin,8,30,5.0,trailing 8%,159,14.1,Bull,17.3,3.78,3.0,100,11,53,48,false,Rebalance,Shift +1% to bonds from equity,3,2,BrokerC,MKT,85,None,None,Normal monitoring,102,-19,126,3,false,Within IPS guidelines
P3457,Active,Roth,USD,2024-09-26,925541,83971,841570,1.0,67.7,22.6,0.0,9.6,VTI:17.0%;QQQ:21.4%;XLF:21.4%;AAPL:11.2%;VOO:7.7%;AMZN:21.4%,US:64.1;EU:6.4;APAC:15.5;EM:13.4;Other:0.6,Value:+0.4;Growth:-0.2;Quality:-0.9;Size:+0.1;Momentum:-0.4;LowVol:-0.3,,6,30,4.4,hard 12%,222,24.8,Sideways,17.1,4.37,2.4,126,40,70,61,true,Hedge,Buy index puts 1% notional,0,-26,BrokerB,LMT,96,RegimeShift,Reduce,Volatility spike and breadth deterioration,83,-39,132,2,false,Increase defensive factor exposure
P3458,Opportunistic,Taxable,USD,2024-11-27,1044958,90707,954251,1.21,70.8,15.7,4.8,8.7,HYG:27.9%;AAPL:27.9%;MUB:27.9%;TLT:16.4%,US:63.3;EU:18.9;APAC:5.9;EM:7.5;Other:4.4,Value:-0.7;Growth:-0.5;Quality:+0.1;Size:-0.5;Momentum:-0.9;LowVol:-0.5,MaxPos8%,6,25,4.3,trailing 7%,165,31.8,Volatile,24.1,5.12,4.4,124,-25,29,63,false,Hedge,Add TLT +1% as duration hedge,24,-39,BrokerD,LMT,96,None,None,Normal monitoring,103,-27,147,5,false,Monitor dispersion and breadth
P3459,Hands-off,Roth,USD,2024-11-29,773818,53644,720174,1.0,65.6,24.7,0.0,9.7,XLF:22.2%;BRK.B:22.2%;AMZN:19.1%;BND:22.2%;TLT:14.3%,US:61.8;EU:19.6;APAC:13.3;EM:4.9;Other:0.4,Value:+0.7;Growth:+0.9;Quality:+0.7;Size:-0.2;Momentum:-0.1;LowVol:-0.3,ESGOnly,7,25,4.5,trailing 10%,118,18.7,Bull,16.4,4.97,2.5,103,115,100,58,false,Rebalance,Shift +1% to bonds from equity,-8,-4,BrokerC,VWAP,95,None,None,Normal monitoring,21,8,-18,3,false,Monitor dispersion and breadth
P3460,Hands-off,Trust,USD,2025-03-06,315297,14237,301060,1.0,62.7,24.8,7.0,5.5,QQQ:15.7%;XLF:23.5%;VNQ:13.7%;IEF:23.5%;HYG:23.5%,US:70.0;EU:10.1;APAC:10.5;EM:7.4;Other:2.0,Value:0.0;Growth:-0.6;Quality:+0.1;Size:-0.9;Momentum:+1.0;LowVol:+0.8,NoDerivatives,6,25,5.3,trailing 8%,169,18.4,Sideways,15.0,4.3,2.2,107,42,72,43,false,Buy,Add to core equity +1%,35,13,BrokerB,LMT,86,None,None,Normal monitoring,-31,3,-20,3,false,Increase defensive factor exposure
P3461,Hands-off,Trust,USD,2024-10-07,852071,53659,798412,1.0,58.4,21.3,11.8,8.5,IEF:14.4%;GLD:18.1%;HYG:8.3%;TSLA:21.3%;AAPL:17.1%;XLF:20.9%,US:62.3;EU:16.5;APAC:10.3;EM:8.1;Other:2.9,Value:-0.1;Growth:-0.8;Quality:+0.9;Size:-0.2;Momentum:+0.6;LowVol:-0.7,,10,30,5.8,hard 10%,135,13.7,Bull,16.2,4.72,3.4,113,76,89,54,false,NoAction,Within bands; monitor,-2,-2,BrokerC,MKT,0,None,None,Normal monitoring,-17,-42,-35,3,false,Tighten stops on momentum names
P3462,Active,IRA,USD,2024-10-12,1215511,137476,1078035,1.19,55.2,19.6,15.7,9.4,AAPL:8.6%;VTI:22.8%;IEF:12.3%;XLF:10.5%;AMZN:22.8%;MUB:22.8%,US:75.6;EU:10.1;APAC:8.0;EM:3.6;Other:2.7,Value:-0.1;Growth:+1.0;Quality:+0.5;Size:+0.5;Momentum:+0.7;LowVol:-0.3,NoDerivatives,10,35,5.0,trailing 8%,189,18.9,Bear,32.7,3.06,2.2,219,-90,8,69,false,Sell,Trim extended winner -1%,6,6,BrokerB,LMT,88,None,None,Normal monitoring,42,-17,77,3,false,Tax-aware sells next window
P3463,Systematic,Trust,USD,2025-05-14,1414988,106974,1308014,1.0,55.6,31.6,4.2,8.5,AAPL:25.0%;HYG:25.0%;MUB:25.0%;TSLA:25.0%,US:67.8;EU:6.4;APAC:12.6;EM:8.9;Other:4.3,Value:+0.5;Growth:0.0;Quality:+0.3;Size:-0.9;Momentum:-0.8;LowVol:-0.6,MaxPos7%;NoDerivatives,7,25,5.8,trailing 8%,197,17.2,Bull,11.0,4.25,2.3,72,63,75,39,false,Rebalance,Shift +1% to bonds from equity,1,-16,BrokerC,VWAP,100,None,None,Normal monitoring,59,-16,137,4,false,Within IPS guidelines
P3464,Cautious,Taxable,USD,2025-01-20,494652,56903,437749,1.0,37.8,38.3,6.3,17.7,TSLA:17.9%;VNQ:21.7%;AAPL:18.8%;BRK.B:21.7%;XLF:20.0%,US:71.2;EU:15.2;APAC:8.9;EM:4.6;Other:0.0,Value:-0.4;Growth:-0.5;Quality:-0.2;Size:-1.0;Momentum:-0.8;LowVol:-0.0,MaxPos7%;NoDerivatives;NoMargin,10,35,5.8,hard 10%,95,16.2,Sideways,20.1,4.49,2.3,95,-11,37,35,false,Hedge,Add TLT +1% as duration hedge,-4,11,BrokerB,MKT,99,None,None,Normal monitoring,111,-11,116,4,false,Tax-aware sells next window
P3465,Hands-off,IRA,USD,2025-06-24,686768,50133,636635,1.0,62.9,18.4,9.1,9.6,TLT:24.9%;VNQ:14.6%;MSFT:24.9%;MUB:10.8%;BND:24.9%,US:71.6;EU:6.9;APAC:9.8;EM:8.2;Other:3.5,Value:-1.0;Growth:-0.6;Quality:-0.2;Size:-0.8;Momentum:+0.5;LowVol:-0.9,,7,35,4.2,hard 10%,90,14.7,Bull,15.2,3.84,2.4,73,39,77,40,false,Rebalance,Shift +1% to bonds from equity,33,-30,BrokerD,MKT,88,None,None,Normal monitoring,109,-26,124,5,false,Tighten stops on momentum names
P3466,Systematic,IRA,USD,2025-05-09,606941,54533,552408,1.0,63.2,29.5,0.0,7.4,VNQ:25.3%;AAPL:25.3%;XLF:25.3%;HYG:24.1%,US:61.9;EU:15.4;APAC:14.7;EM:3.2;Other:4.7,Value:+0.9;Growth:+0.6;Quality:-0.7;Size:-1.0;Momentum:-0.7;LowVol:+0.5,MaxPos5%,8,30,4.8,hard 12%,207,21.0,Sideways,17.8,3.8,3.2,100,30,79,62,false,Sell,Trim extended winner -1%,31,-21,BrokerB,LMT,95,None,None,Normal monitoring,11,-32,29,3,false,Tax-aware sells next window
P3467,Cautious,Trust,USD,2024-07-13,256153,35590,220563,1.0,48.4,36.5,0.0,15.1,TSLA:13.6%;VOO:28.8%;AAPL:28.8%;GLD:28.8%,US:60.1;EU:14.8;APAC:11.0;EM:12.2;Other:1.9,Value:-1.0;Growth:-1.0;Quality:+0.8;Size:0.0;Momentum:-0.5;LowVol:+0.7,NoMargin,8,35,4.4,hard 10%,110,16.2,Bull,11.8,4.32,2.2,115,55,80,40,false,Sell,Trim extended winner -1%,0,-17,BrokerA,MKT,96,None,None,Normal monitoring,119,5,162,4,false,Tax-aware sells next window
P3468,Opportunistic,IRA,USD,2024-11-12,1199890,105650,1094240,1.0,74.7,17.7,0.0,7.6,HYG:33.3%;QQQ:33.3%;VNQ:33.3%,US:68.4;EU:15.7;APAC:5.4;EM:10.3;Other:0.2,Value:-0.5;Growth:+0.8;Quality:+0.8;Size:+0.9;Momentum:+0.6;LowVol:+0.3,,8,35,4.3,trailing 7%,202,28.4,Volatile,28.3,5.21,2.8,137,78,97,89,true,Reduce,"Cut high-beta by 2-3%, add cash",31,-26,BrokerC,LMT,100,VAR>budget,TightenStops,Risk above budget threshold,98,1,58,3,false,Increase defensive factor exposure
P3469,Systematic,IRA,USD,2025-04-05,875800,59718,816082,1.0,60.7,31.0,0.0,8.3,VNQ:33.3%;HYG:33.3%;AAPL:33.3%,US:67.4;EU:10.2;APAC:10.8;EM:10.5;Other:1.1,Value:-0.9;Growth:+0.7;Quality:+0.7;Size:-0.1;Momentum:+0.2;LowVol:+0.4,MaxPos8%,8,25,4.8,hard 12%,221,26.4,Volatile,25.0,3.95,2.6,171,42,62,61,false,Buy,Add to core equity +1%,9,7,BrokerC,MKT,94,None,None,Normal monitoring,48,-7,134,4,false,Tax-aware sells next window
P3470,Systematic,IRA,USD,2024-11-26,989683,97552,892131,1.0,65.0,29.4,0.0,5.6,QQQ:26.8%;GLD:24.9%;VTI:26.8%;TLT:21.5%,US:62.7;EU:18.2;APAC:11.0;EM:7.5;Other:0.6,Value:-0.6;Growth:-0.7;Quality:-0.2;Size:-0.7;Momentum:-0.4;LowVol:+0.5,MaxPos8%,8,25,5.5,trailing 8%,183,20.1,Volatile,30.8,4.13,4.3,149,66,97,84,true,Hedge,Buy index puts 1% notional,15,-29,BrokerC,VWAP,97,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,107,-25,241,5,false,Tax-aware sells next window
P3471,Systematic,401k,USD,2024-07-09,1689690,157464,1532226,1.0,65.1,22.6,5.8,6.5,GLD:21.9%;QQQ:16.2%;IEF:6.5%;TLT:12.9%;AAPL:20.7%;TSLA:21.9%,US:73.3;EU:6.0;APAC:9.4;EM:10.6;Other:0.7,Value:+0.4;Growth:+0.5;Quality:-0.4;Size:+0.3;Momentum:-0.3;LowVol:-0.7,NoDerivatives,10,35,5.4,trailing 9%,221,24.0,Bull,15.6,4.61,2.8,103,63,66,56,false,Buy,Add to core equity +1%,27,-40,BrokerA,LMT,94,None,None,Normal monitoring,36,-36,166,5,false,Tighten stops on momentum names
P3472,Cautious,Taxable,USD,2025-12-14,672411,62095,610316,1.0,45.5,42.1,0.0,12.5,QQQ:16.3%;BRK.B:20.6%;MUB:24.9%;VNQ:24.9%;VOO:13.4%,US:65.5;EU:15.2;APAC:8.3;EM:6.8;Other:4.1,Value:+0.4;Growth:+0.9;Quality:-0.7;Size:+0.2;Momentum:+0.8;LowVol:-0.5,NoMargin,5,30,4.6,hard 10%,146,16.0,Volatile,29.8,5.5,2.6,118,70,82,69,true,Hedge,Buy index puts 1% notional,-15,-22,BrokerC,MKT,100,RegimeShift,Pause,Volatility spike and breadth deterioration,-54,-51,-78,2,false,Increase defensive factor exposure
P3473,Active,Roth,USD,2025-07-24,1266090,148646,1117444,1.09,53.9,23.6,15.7,6.9,VOO:25.1%;AMZN:12.3%;MSFT:25.1%;VTI:25.1%;VNQ:12.3%,US:66.2;EU:12.8;APAC:6.8;EM:9.3;Other:5.0,Value:+0.7;Growth:+0.5;Quality:-0.2;Size:-0.6;Momentum:-0.5;LowVol:+0.4,,6,35,5.6,trailing 8%,200,22.6,Volatile,26.2,3.86,2.9,134,62,92,64,false,Rebalance,Shift +1% to bonds from equity,24,-23,BrokerA,MKT,96,None,None,Normal monitoring,58,-28,96,4,false,Increase defensive factor exposure
P3474,Systematic,Trust,USD,2024-09-29,564670,48323,516347,1.0,66.0,24.0,3.3,6.7,XLF:36.7%;VTI:36.7%;TLT:26.5%,US:75.2;EU:7.0;APAC:8.6;EM:5.6;Other:3.7,Value:+0.5;Growth:-0.5;Quality:-0.3;Size:-0.5;Momentum:+0.1;LowVol:+0.2,,6,30,4.9,trailing 8%,221,20.1,Sideways,20.1,3.76,3.3,98,-21,42,55,false,Buy,Add to core equity +1%,28,-2,BrokerA,MKT,98,None,None,Normal monitoring,74,-53,200,4,false,Tighten stops on momentum names
P3475,Hands-off,Taxable,USD,2024-09-14,486295,37428,448867,1.0,68.4,20.8,1.6,9.3,MUB:22.8%;TLT:10.5%;BND:25.3%;AMZN:16.1%;AAPL:25.3%,US:74.8;EU:7.9;APAC:5.9;EM:6.8;Other:4.6,Value:-0.2;Growth:-0.8;Quality:-0.0;Size:-0.5;Momentum:+0.9;LowVol:-0.6,MaxPos7%,8,30,4.0,hard 10%,125,14.2,Volatile,28.2,4.54,2.8,130,-16,52,81,true,Reduce,"Cut high-beta by 2-3%, add cash",24,-20,BrokerB,VWAP,97,VAR>budget,Reduce,Risk above budget threshold,21,10,127,4,false,Tax-aware sells next window
P3476,Active,Taxable,USD,2025-01-01,1213592,113867,1099725,1.0,59.5,19.9,15.1,5.5,BND:27.8%;XLF:27.8%;AMZN:27.8%;VNQ:16.5%,US:72.7;EU:13.1;APAC:5.9;EM:7.0;Other:1.4,Value:+0.9;Growth:-0.0;Quality:+0.2;Size:+0.3;Momentum:+1.0;LowVol:-0.6,,8,35,4.7,hard 12%,184,21.8,Volatile,31.5,5.47,3.9,137,51,64,75,true,Hedge,Buy index puts 1% notional,-9,-15,BrokerC,MKT,90,VAR>budget,TightenStops,Risk above budget threshold,-31,-51,-28,2,false,Monitor dispersion and breadth
P3477,Hands-off,Taxable,USD,2025-01-21,222116,9947,212169,1.0,60.8,18.8,11.0,9.4,BND:23.3%;QQQ:17.2%;MSFT:13.0%;AAPL:23.2%;GLD:23.3%,US:66.8;EU:16.4;APAC:11.3;EM:4.2;Other:1.3,Value:-0.7;Growth:+0.7;Quality:-0.2;Size:0.0;Momentum:+0.1;LowVol:+0.6,ESGOnly;NoDerivatives,10,35,4.8,trailing 10%,150,12.8,Bear,29.0,4.44,1.5,137,13,65,84,true,Reduce,"Cut high-beta by 2-3%, add cash",7,7,BrokerD,LMT,90,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-9,-20,96,2,false,Monitor dispersion and breadth
P3478,Cautious,Roth,USD,2025-07-12,222100,22988,199112,1.0,45.8,38.9,0.0,15.3,TLT:36.2%;VNQ:36.2%;GLD:27.5%,US:69.5;EU:11.9;APAC:12.8;EM:4.7;Other:1.1,Value:+0.5;Growth:-0.6;Quality:+0.1;Size:+0.3;Momentum:0.0;LowVol:-0.0,NoMargin,10,30,6.0,trailing 10%,125,16.8,Sideways,14.1,4.05,2.1,124,24,54,40,true,Reduce,"Cut high-beta by 2-3%, add cash",18,0,BrokerD,MKT,98,Drift>tolerance,Reduce,Allocation drift beyond policy bands,69,18,89,2,true,Tax-aware sells next window
P3479,Systematic,Trust,USD,2025-12-06,713084,39434,673650,1.0,61.5,21.0,8.9,8.5,AMZN:16.2%;BRK.B:13.6%;VNQ:21.4%;IEF:21.4%;XLF:13.0%;MUB:14.4%,US:63.3;EU:15.6;APAC:9.0;EM:8.2;Other:4.0,Value:+0.6;Growth:-0.6;Quality:-0.8;Size:-0.0;Momentum:+0.3;LowVol:+0.1,,8,35,5.2,trailing 8%,181,22.5,Volatile,23.9,5.1,3.3,160,-17,51,69,false,Rebalance,Shift +1% to bonds from equity,28,6,BrokerD,MKT,88,None,None,Normal monitoring,-59,11,-57,5,false,Tighten stops on momentum names
P3480,Active,401k,USD,2024-08-18,875191,68426,806765,1.0,61.4,21.4,10.9,6.3,QQQ:21.2%;AMZN:16.7%;VNQ:15.9%;BND:14.9%;VTI:20.3%;TSLA:11.0%,US:70.9;EU:9.6;APAC:10.3;EM:5.3;Other:3.8,Value:+0.4;Growth:-0.9;Quality:-0.9;Size:+0.1;Momentum:-0.6;LowVol:-0.9,MaxPos7%,6,30,5.6,trailing 8%,187,20.6,Sideways,17.0,4.89,3.3,113,51,85,55,false,Buy,Add to core equity +1%,34,-10,BrokerC,LMT,90,None,None,Normal monitoring,29,2,2,4,false,Within IPS guidelines
P3481,Hands-off,401k,USD,2025-06-18,311702,19534,292168,1.0,60.2,18.6,14.2,7.1,BRK.B:33.3%;VNQ:33.3%;IEF:33.3%,US:66.7;EU:8.1;APAC:10.7;EM:12.1;Other:2.4,Value:-0.6;Growth:+0.7;Quality:-0.9;Size:+0.9;Momentum:+0.7;LowVol:-0.9,ESGOnly;NoDerivatives,7,35,5.7,hard 10%,96,19.5,Volatile,22.4,3.62,2.1,180,-29,45,50,false,Rebalance,Shift +1% to bonds from equity,-7,3,BrokerD,LMT,86,None,None,Normal monitoring,118,-4,242,3,false,Within IPS guidelines
P3482,Hands-off,Trust,USD,2025-02-17,810650,43537,767113,1.0,63.1,27.5,0.3,9.2,VNQ:32.5%;QQQ:33.8%;TSLA:33.8%,US:54.6;EU:19.6;APAC:13.1;EM:9.2;Other:3.5,Value:+0.5;Growth:-0.0;Quality:+0.7;Size:-0.4;Momentum:+0.5;LowVol:-0.9,ESGOnly;NoDerivatives,8,35,3.5,hard 10%,151,14.5,Sideways,19.2,4.84,3.4,90,-2,60,57,false,Hedge,Add TLT +1% as duration hedge,-2,11,BrokerD,VWAP,85,None,None,Normal monitoring,51,-18,109,5,false,Within IPS guidelines
P3483,Active,Roth,USD,2025-10-15,1943497,203688,1739809,1.15,67.3,26.6,0.0,6.1,IEF:23.3%;VTI:23.7%;TLT:13.6%;GLD:15.7%;MSFT:23.7%,US:65.0;EU:9.6;APAC:14.0;EM:9.4;Other:2.0,Value:+0.6;Growth:+0.5;Quality:-0.4;Size:-0.7;Momentum:-0.8;LowVol:+0.1,,10,25,4.3,trailing 8%,156,19.4,Bull,16.4,4.9,2.7,119,76,81,52,false,Sell,Trim extended winner -1%,15,-26,BrokerD,VWAP,96,None,None,Normal monitoring,-10,-37,50,3,false,Monitor dispersion and breadth
P3484,Hands-off,Roth,USD,2025-02-27,252081,10210,241871,1.0,55.3,17.6,18.0,9.1,TLT:20.8%;VTI:19.3%;MSFT:13.4%;IEF:10.2%;VNQ:19.5%;AMZN:16.9%,US:71.9;EU:9.1;APAC:7.6;EM:8.4;Other:3.0,Value:+0.1;Growth:-0.3;Quality:+0.4;Size:+0.5;Momentum:+1.0;LowVol:-0.5,ESGOnly;NoDerivatives,8,35,4.5,trailing 8%,120,14.7,Bear,26.0,3.85,1.8,146,18,55,73,true,Rebalance,Rebalance back to target bands,-6,9,BrokerD,MKT,99,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-19,7,36,4,true,Tighten stops on momentum names
P3485,Active,401k,USD,2024-08-26,2209191,247579,1961612,1.05,50.5,18.9,23.2,7.4,AMZN:37.5%;XLF:37.5%;GLD:25.1%,US:71.7;EU:11.4;APAC:10.3;EM:4.0;Other:2.5,Value:+0.8;Growth:+0.6;Quality:-0.3;Size:+0.2;Momentum:+0.7;LowVol:+0.7,,10,35,5.9,hard 12%,205,23.2,Volatile,20.9,3.77,4.4,127,-25,48,58,false,Hedge,Add TLT +1% as duration hedge,-4,15,BrokerB,MKT,87,None,None,Normal monitoring,-30,-44,50,5,false,Monitor dispersion and breadth
P3486,Cautious,Roth,USD,2025-12-17,362336,57952,304384,1.0,46.1,38.5,0.0,15.5,VTI:20.1%;GLD:17.6%;BRK.B:20.1%;BND:16.1%;TLT:15.6%;HYG:10.5%,US:56.9;EU:18.6;APAC:12.1;EM:7.3;Other:5.1,Value:+0.4;Growth:-0.7;Quality:0.0;Size:-0.9;Momentum:+0.7;LowVol:+0.5,ESGOnly;MaxPos7%;NoDerivatives;NoMargin,8,30,4.4,trailing 8%,113,12.8,Bull,11.4,4.43,3.3,71,117,98,29,false,Hedge,Add TLT +1% as duration hedge,15,-38,BrokerA,LMT,90,None,None,Normal monitoring,93,-43,200,5,false,Within IPS guidelines
P3487,Hands-off,IRA,USD,2024-09-04,805837,42290,763547,1.0,59.4,22.9,8.7,8.9,TLT:22.6%;BRK.B:12.1%;VNQ:8.3%;AAPL:19.4%;MSFT:15.0%;HYG:22.6%,US:74.6;EU:7.5;APAC:6.0;EM:10.4;Other:1.5,Value:+0.2;Growth:-0.4;Quality:+0.1;Size:-0.6;Momentum:+0.4;LowVol:-0.8,ESGOnly;MaxPos5%;NoDerivatives,5,30,5.5,trailing 8%,116,13.4,Volatile,30.4,4.75,2.9,142,44,65,83,true,Hedge,Buy index puts 1% notional,-2,-34,BrokerB,MKT,95,RegimeShift,TightenStops,Volatility spike and breadth deterioration,18,-54,4,4,false,Tax-aware sells next window
P3488,Opportunistic,Trust,USD,2025-03-19,305713,19212,286501,1.0,62.8,20.2,11.1,5.9,IEF:21.7%;TLT:19.3%;GLD:22.9%;VOO:22.7%;HYG:13.4%,US:72.2;EU:7.2;APAC:15.2;EM:3.9;Other:1.5,Value:+0.9;Growth:+0.1;Quality:+0.6;Size:+0.4;Momentum:-1.0;LowVol:-0.8,MaxPos6%,6,25,6.1,trailing 7%,248,29.9,Bull,13.6,3.82,2.6,75,11,70,38,true,Rebalance,Rebalance back to target bands,28,-21,BrokerB,MKT,96,VAR>budget,Reduce,Risk above budget threshold,18,-43,128,5,false,Within IPS guidelines
P3489,Opportunistic,IRA,USD,2024-12-26,1353846,48503,1305343,1.0,63.9,15.8,11.6,8.7,TSLA:19.5%;VTI:14.4%;QQQ:15.6%;BRK.B:18.0%;VNQ:11.6%;VOO:20.8%,US:66.6;EU:8.7;APAC:13.2;EM:10.5;Other:1.0,Value:-0.7;Growth:+0.7;Quality:-0.1;Size:+0.1;Momentum:-0.4;LowVol:-0.2,NoDerivatives,5,35,4.4,trailing 9%,205,32.2,Bull,11.1,4.13,2.7,76,66,91,43,false,Rebalance,Shift +1% to bonds from equity,26,-20,BrokerB,LMT,90,None,None,Normal monitoring,91,-15,107,5,false,Tax-aware sells next window
P3490,Active,Taxable,USD,2024-08-17,1283114,122442,1160672,1.0,61.6,28.2,1.9,8.3,TSLA:18.8%;XLF:23.3%;VOO:18.6%;AAPL:16.0%;BRK.B:23.3%,US:66.5;EU:8.9;APAC:14.1;EM:6.2;Other:4.3,Value:+0.3;Growth:-0.7;Quality:+0.7;Size:-0.8;Momentum:-0.9;LowVol:+1.0,MaxPos8%,10,25,4.1,trailing 8%,190,17.5,Volatile,25.4,3.8,3.5,139,59,82,64,false,Rebalance,Shift +1% to bonds from equity,15,-22,BrokerD,MKT,90,None,None,Normal monitoring,115,-21,126,4,false,Within IPS guidelines
P3491,Systematic,Taxable,USD,2025-03-28,1014599,75071,939528,1.0,57.1,25.2,11.0,6.6,TLT:33.3%;TSLA:33.3%;AAPL:33.3%,US:65.0;EU:12.8;APAC:11.3;EM:8.5;Other:2.3,Value:+0.4;Growth:+0.4;Quality:-0.0;Size:+0.4;Momentum:-0.2;LowVol:+1.0,MaxPos5%,6,30,4.7,hard 12%,220,28.0,Volatile,25.5,3.61,2.5,165,13,48,70,false,NoAction,Within bands; monitor,18,14,BrokerD,VWAP,96,None,None,Normal monitoring,118,-18,252,5,false,Tax-aware sells next window
P3492,Hands-off,Taxable,USD,2025-12-11,195732,17854,177878,1.0,69.5,18.5,4.7,7.3,MUB:22.2%;BRK.B:11.8%;GLD:21.8%;XLF:22.2%;QQQ:22.2%,US:66.0;EU:12.2;APAC:12.1;EM:8.6;Other:1.2,Value:-0.3;Growth:+0.6;Quality:+1.0;Size:+0.5;Momentum:+0.2;LowVol:+0.9,ESGOnly;MaxPos5%;NoDerivatives,10,35,3.6,trailing 8%,145,15.3,Bull,16.8,4.53,3.2,74,99,100,59,false,Buy,Add to core equity +1%,21,-10,BrokerA,LMT,95,None,None,Normal monitoring,-3,-45,57,3,false,Tighten stops on momentum names
P3493,Hands-off,IRA,USD,2025-02-24,590787,39197,551590,1.0,57.6,26.9,8.4,7.1,VOO:20.7%;AAPL:17.3%;IEF:20.7%;TSLA:11.7%;GLD:18.6%;VTI:11.1%,US:64.3;EU:17.0;APAC:11.4;EM:4.2;Other:3.0,Value:+0.4;Growth:+0.5;Quality:+0.7;Size:0.0;Momentum:-1.0;LowVol:+0.1,ESGOnly,10,25,4.5,trailing 8%,169,15.4,Bull,17.7,4.04,3.1,97,33,65,51,false,NoAction,Within bands; monitor,12,3,BrokerA,LMT,93,None,None,Normal monitoring,0,-10,124,3,false,Increase defensive factor exposure
P3494,Active,IRA,USD,2025-05-14,1697587,150369,1547218,1.0,62.8,23.8,6.3,7.1,VNQ:23.9%;MUB:24.9%;HYG:12.8%;GLD:13.6%;TLT:24.9%,US:73.5;EU:13.1;APAC:6.7;EM:6.4;Other:0.3,Value:-1.0;Growth:-0.8;Quality:+1.0;Size:+0.4;Momentum:-0.8;LowVol:+0.8,,6,25,4.1,trailing 8%,165,17.9,Bull,14.2,3.86,2.3,83,97,100,36,false,Rebalance,Shift +1% to bonds from equity,5,-21,BrokerD,LMT,98,None,None,Normal monitoring,70,0,145,3,false,Monitor dispersion and breadth
P3495,Opportunistic,401k,USD,2024-09-13,1219103,100801,1118302,1.0,68.7,15.1,10.1,6.1,GLD:16.8%;MSFT:12.9%;XLF:21.1%;QQQ:7.3%;MUB:20.7%;AAPL:21.1%,US:56.3;EU:18.3;APAC:12.7;EM:8.7;Other:4.0,Value:-0.4;Growth:+0.7;Quality:-0.9;Size:-0.9;Momentum:+0.7;LowVol:-0.4,,7,35,5.2,trailing 9%,169,28.1,Volatile,30.7,4.38,3.0,154,15,42,84,true,Hedge,Buy index puts 1% notional,18,-25,BrokerB,MKT,93,Drift>tolerance,Reduce,Allocation drift beyond policy bands,111,-26,152,3,false,Within IPS guidelines
P3496,Hands-off,Roth,USD,2024-10-09,733701,60919,672782,1.0,56.0,16.6,19.8,7.6,IEF:33.3%;MSFT:33.3%;XLF:33.3%,US:67.2;EU:6.9;APAC:13.9;EM:9.4;Other:2.6,Value:+0.5;Growth:+0.9;Quality:+0.8;Size:-0.3;Momentum:+0.2;LowVol:+0.6,MaxPos5%,6,35,3.5,trailing 10%,152,16.8,Sideways,20.0,4.28,2.9,123,-16,47,46,false,Sell,Trim extended winner -1%,21,-33,BrokerB,MKT,88,None,None,Normal monitoring,72,-24,173,5,false,Tighten stops on momentum names
P3497,Cautious,Trust,USD,2025-02-10,358622,45087,313535,1.0,40.7,43.9,1.5,14.0,IEF:20.5%;GLD:20.9%;VNQ:7.3%;TSLA:9.5%;MUB:20.9%;VOO:20.9%,US:73.9;EU:6.4;APAC:8.4;EM:9.0;Other:2.3,Value:-0.7;Growth:-0.1;Quality:-0.0;Size:+0.8;Momentum:-0.3;LowVol:0.0,ESGOnly;NoDerivatives;NoMargin,5,25,5.3,hard 10%,168,18.4,Volatile,28.1,3.65,2.7,157,78,95,53,false,Buy,Add to core equity +1%,-5,10,BrokerC,LMT,100,None,None,Normal monitoring,9,-58,1,5,false,Increase defensive factor exposure
P3498,Hands-off,Trust,USD,2025-09-23,770650,44472,726178,1.0,71.3,15.5,7.2,5.9,HYG:10.9%;VOO:25.9%;AMZN:25.9%;MUB:11.3%;TSLA:25.9%,US:70.0;EU:13.0;APAC:5.3;EM:7.4;Other:4.3,Value:+0.8;Growth:+0.6;Quality:+0.7;Size:-0.1;Momentum:-0.2;LowVol:+0.4,ESGOnly;MaxPos7%,10,30,4.2,hard 10%,152,18.8,Sideways,14.5,3.97,2.3,125,49,69,53,false,Rebalance,Shift +1% to bonds from equity,0,-35,BrokerC,LMT,100,None,None,Normal monitoring,52,-36,118,5,false,Tax-aware sells next window
P3499,Opportunistic,Trust,USD,2024-08-02,582853,29031,553822,1.0,69.4,14.5,10.2,5.9,QQQ:23.1%;VNQ:10.3%;MSFT:23.9%;BND:23.9%;HYG:18.9%,US:73.5;EU:8.7;APAC:10.4;EM:7.2;Other:0.1,Value:-0.0;Growth:+0.6;Quality:-0.6;Size:+0.4;Momentum:+0.6;LowVol:+0.7,NoDerivatives,7,35,4.5,trailing 7%,245,30.5,Bull,11.2,4.77,3.2,84,69,96,47,false,NoAction,Within bands; monitor,-12,9,BrokerA,LMT,89,None,None,Normal monitoring,-36,-43,-59,3,false,Monitor dispersion and breadth
P3500,Hands-off,Trust,USD,2024-08-08,462333,45426,416907,1.0,65.9,16.5,9.0,8.6,VOO:10.3%;AAPL:22.4%;IEF:22.4%;HYG:22.4%;GLD:22.4%,US:65.8;EU:9.5;APAC:14.4;EM:5.7;Other:4.6,Value:+0.5;Growth:-0.5;Quality:-0.1;Size:-0.6;Momentum:+0.3;LowVol:-1.0,MaxPos8%,7,30,5.9,hard 10%,128,12.8,Bull,14.5,3.61,3.5,108,99,91,54,false,Rebalance,Shift +1% to bonds from equity,29,2,BrokerD,LMT,86,None,None,Normal monitoring,81,-36,166,4,false,Tighten stops on momentum names
P3501,Hands-off,Taxable,USD,2024-12-15,703595,46363,657232,1.0,58.8,26.2,6.8,8.3,MUB:23.1%;AMZN:23.1%;VNQ:23.1%;TLT:16.2%;VOO:14.5%,US:69.3;EU:13.7;APAC:9.9;EM:5.0;Other:2.1,Value:+0.8;Growth:-0.0;Quality:+0.6;Size:-0.7;Momentum:0.0;LowVol:+0.2,NoDerivatives,10,35,3.8,trailing 8%,117,19.6,Bull,16.2,4.2,3.0,117,69,81,44,true,Reduce,"Cut high-beta by 2-3%, add cash",10,-39,BrokerC,LMT,90,VAR>budget,Hedge,Risk above budget threshold,-49,1,38,2,false,Monitor dispersion and breadth
P3502,Hands-off,Roth,USD,2025-11-13,699762,56623,643139,1.0,70.9,15.4,7.8,5.9,GLD:33.3%;BND:33.3%;XLF:33.3%,US:69.2;EU:9.4;APAC:10.1;EM:6.3;Other:5.0,Value:-0.4;Growth:+0.1;Quality:+0.1;Size:+0.8;Momentum:+0.5;LowVol:-0.9,,5,25,4.0,trailing 8%,155,12.6,Bull,16.8,3.94,3.1,109,26,64,48,false,Sell,Trim extended winner -1%,23,-11,BrokerA,MKT,100,None,None,Normal monitoring,-2,-14,11,3,false,Tax-aware sells next window
P3503,Opportunistic,Roth,USD,2025-01-01,1699539,140065,1559474,1.0,70.6,16.6,4.1,8.6,AMZN:25.7%;BND:10.6%;GLD:25.7%;QQQ:25.7%;AAPL:12.1%,US:62.7;EU:13.7;APAC:10.9;EM:7.7;Other:4.9,Value:-0.8;Growth:-0.0;Quality:-0.7;Size:+0.7;Momentum:+0.8;LowVol:-0.8,MaxPos6%,8,25,4.7,trailing 7%,232,22.9,Sideways,16.5,4.24,3.4,96,-7,43,62,false,Buy,Add to core equity +1%,16,-38,BrokerB,MKT,99,None,None,Normal monitoring,-36,-5,-74,5,false,Monitor dispersion and breadth
P3504,Systematic,Taxable,USD,2025-03-11,1717783,152061,1565722,1.0,65.3,25.6,0.0,9.2,VNQ:35.1%;TSLA:35.1%;VTI:29.9%,US:68.1;EU:12.2;APAC:6.9;EM:9.1;Other:3.7,Value:+0.6;Growth:+0.7;Quality:-0.4;Size:-0.1;Momentum:+0.8;LowVol:-0.5,NoDerivatives,10,35,5.7,trailing 8%,226,19.3,Volatile,29.8,3.81,3.5,180,48,73,85,true,Reduce,"Cut high-beta by 2-3%, add cash",20,5,BrokerC,MKT,94,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,10,-59,80,3,false,Tighten stops on momentum names
P3505,Systematic,Taxable,USD,2025-12-02,1493567,143842,1349725,1.0,62.3,29.8,0.0,7.9,TLT:28.1%;QQQ:36.0%;MSFT:36.0%,US:58.4;EU:18.2;APAC:16.9;EM:5.0;Other:1.6,Value:-0.9;Growth:-0.5;Quality:-0.3;Size:+0.8;Momentum:+0.8;LowVol:+0.1,MaxPos7%,5,30,5.1,trailing 8%,176,26.9,Sideways,17.0,3.85,3.2,100,42,74,56,false,Sell,Trim extended winner -1%,20,-2,BrokerC,MKT,91,None,None,Normal monitoring,-49,-56,66,3,false,Within IPS guidelines
P3506,Systematic,Roth,USD,2024-10-12,1840480,141107,1699373,1.0,62.8,25.5,2.4,9.3,AAPL:23.6%;IEF:18.4%;MSFT:23.6%;XLF:10.7%;QQQ:23.6%,US:61.5;EU:16.0;APAC:12.0;EM:6.2;Other:4.3,Value:-0.4;Growth:+0.2;Quality:-0.6;Size:+0.4;Momentum:+0.5;LowVol:-0.8,NoDerivatives,5,35,5.1,trailing 8%,152,21.9,Bull,11.9,4.71,2.1,109,14,53,34,false,Rebalance,Shift +1% to bonds from equity,1,-31,BrokerD,MKT,85,None,None,Normal monitoring,96,-57,133,5,false,Increase defensive factor exposure
P3507,Cautious,401k,USD,2025-07-16,270068,31637,238431,1.0,40.3,37.2,9.5,13.0,TSLA:11.2%;AMZN:16.1%;MUB:22.3%;HYG:15.7%;VNQ:22.3%;AAPL:12.4%,US:63.8;EU:13.9;APAC:10.6;EM:8.9;Other:2.8,Value:+0.6;Growth:-0.8;Quality:-0.3;Size:+0.3;Momentum:-0.7;LowVol:+0.6,ESGOnly;MaxPos6%;NoMargin,10,35,4.9,trailing 10%,131,15.9,Sideways,17.9,4.2,2.2,127,55,86,30,false,Sell,Trim extended winner -1%,24,-1,BrokerD,MKT,89,None,None,Normal monitoring,-36,-37,30,3,false,Tax-aware sells next window
P3508,Hands-off,Trust,USD,2025-02-17,542819,28449,514370,1.0,73.8,18.0,2.8,5.4,QQQ:33.3%;BRK.B:33.3%;AAPL:33.3%,US:64.3;EU:11.3;APAC:10.3;EM:10.6;Other:3.5,Value:-0.9;Growth:+0.6;Quality:-0.8;Size:+0.2;Momentum:0.0;LowVol:-1.0,,6,35,5.4,trailing 8%,114,15.6,Bear,25.6,4.22,1.9,217,-99,9,68,false,Sell,Trim extended winner -1%,33,-6,BrokerA,MKT,93,None,None,Normal monitoring,95,-43,157,3,false,Monitor dispersion and breadth
P3509,Active,Roth,USD,2024-07-30,1730039,206397,1523642,1.0,50.5,31.5,11.2,6.8,AMZN:16.0%;HYG:11.8%;AAPL:8.8%;IEF:14.3%;QQQ:24.5%;TSLA:24.5%,US:70.6;EU:8.9;APAC:7.6;EM:10.5;Other:2.4,Value:+1.0;Growth:+0.7;Quality:+0.6;Size:+0.6;Momentum:-0.9;LowVol:+0.4,MaxPos8%,8,30,6.0,hard 12%,191,23.1,Sideways,14.1,4.18,3.4,102,-2,45,36,false,Rebalance,Shift +1% to bonds from equity,17,-38,BrokerD,MKT,94,None,None,Normal monitoring,11,13,50,4,false,Increase defensive factor exposure
P3510,Hands-off,IRA,USD,2025-03-25,787164,42973,744191,1.0,56.4,18.8,19.6,5.2,VNQ:21.8%;MUB:20.1%;QQQ:21.8%;BND:15.5%;HYG:20.7%,US:66.2;EU:16.3;APAC:10.2;EM:5.8;Other:1.5,Value:+0.7;Growth:-0.5;Quality:-0.8;Size:+0.6;Momentum:-0.6;LowVol:-0.4,MaxPos5%,8,25,5.6,trailing 8%,133,14.4,Bull,11.9,4.05,3.0,86,36,78,42,false,NoAction,Within bands; monitor,14,-10,BrokerA,LMT,90,None,None,Normal monitoring,-6,11,49,5,false,Tax-aware sells next window
P3511,Systematic,Taxable,USD,2024-10-09,1165362,73109,1092253,1.0,55.9,32.9,1.3,9.9,TLT:33.3%;MSFT:33.3%;XLF:33.3%,US:68.2;EU:12.3;APAC:6.5;EM:10.9;Other:2.1,Value:+0.9;Growth:-0.4;Quality:+0.1;Size:+0.6;Momentum:+0.9;LowVol:+0.1,,8,35,5.6,trailing 8%,213,22.2,Bull,12.2,4.19,2.4,98,14,58,29,false,NoAction,Within bands; monitor,14,14,BrokerC,MKT,0,None,None,Normal monitoring,-46,-12,52,5,false,Tax-aware sells next window
P3512,Active,IRA,USD,2025-11-17,2162517,146265,2016252,1.0,57.2,20.8,16.9,5.2,XLF:33.3%;MUB:33.3%;TLT:33.3%,US:60.1;EU:15.3;APAC:12.6;EM:9.6;Other:2.4,Value:+0.6;Growth:-0.1;Quality:+0.5;Size:-0.2;Momentum:-0.9;LowVol:+0.4,NoDerivatives,6,35,5.4,trailing 9%,184,23.6,Bull,17.3,4.33,3.0,81,49,89,58,false,Rebalance,Shift +1% to bonds from equity,27,2,BrokerD,MKT,95,None,None,Normal monitoring,39,-32,175,5,false,Tighten stops on momentum names
P3513,Cautious,Trust,USD,2025-06-15,411409,58362,353047,1.0,38.7,37.6,6.5,17.2,BRK.B:25.0%;VOO:25.0%;AAPL:25.0%;AMZN:25.0%,US:72.9;EU:8.5;APAC:12.9;EM:4.3;Other:1.4,Value:-0.7;Growth:-0.9;Quality:+0.8;Size:-0.9;Momentum:+0.1;LowVol:0.0,ESGOnly;NoDerivatives;NoMargin,7,25,4.7,hard 10%,108,19.0,Volatile,30.3,4.59,4.1,163,54,70,65,false,Rebalance,Shift +1% to bonds from equity,-10,-35,BrokerC,MKT,88,None,None,Normal monitoring,-41,17,62,3,false,Tighten stops on momentum names
P3514,Hands-off,IRA,USD,2024-07-12,174769,13110,161659,1.0,65.5,28.3,0.1,6.0,AAPL:36.6%;XLF:36.6%;MSFT:26.8%,US:68.2;EU:17.0;APAC:8.4;EM:4.0;Other:2.3,Value:-0.8;Growth:-0.1;Quality:-0.8;Size:-0.0;Momentum:+0.6;LowVol:-0.0,ESGOnly;MaxPos8%,8,25,5.4,trailing 8%,146,15.1,Volatile,22.8,4.8,3.9,153,77,99,73,true,Reduce,"Cut high-beta by 2-3%, add cash",-3,-13,BrokerC,LMT,97,Drift>tolerance,Hedge,Allocation drift beyond policy bands,71,-38,168,4,false,Increase defensive factor exposure
P3515,Systematic,Trust,USD,2024-09-11,1916123,111597,1804526,1.0,65.4,26.6,0.2,7.7,MSFT:13.8%;HYG:20.6%;TSLA:20.6%;VNQ:14.4%;AAPL:11.8%;VTI:18.9%,US:67.2;EU:18.8;APAC:7.5;EM:6.3;Other:0.2,Value:+0.3;Growth:-0.2;Quality:+1.0;Size:-0.7;Momentum:-0.0;LowVol:-0.5,NoDerivatives,7,30,5.2,hard 12%,131,19.6,Sideways,21.4,4.44,2.3,123,-14,43,54,false,Rebalance,Shift +1% to bonds from equity,7,3,BrokerB,VWAP,91,None,None,Normal monitoring,-18,-37,78,4,false,Tighten stops on momentum names
P3516,Hands-off,Taxable,USD,2025-03-13,720971,33303,687668,1.0,62.0,28.7,1.2,8.0,GLD:11.4%;MUB:7.1%;AAPL:21.7%;BRK.B:21.7%;VOO:21.4%;BND:16.6%,US:70.1;EU:7.2;APAC:10.7;EM:8.2;Other:3.8,Value:+0.6;Growth:-0.0;Quality:+0.5;Size:+0.6;Momentum:-0.5;LowVol:+0.1,ESGOnly,7,30,4.8,hard 10%,116,16.8,Bear,25.9,4.1,1.1,153,6,64,66,false,Sell,Trim extended winner -1%,31,6,BrokerC,LMT,88,None,None,Normal monitoring,-22,0,9,3,false,Tighten stops on momentum names
P3517,Hands-off,Roth,USD,2025-06-14,339972,32878,307094,1.0,64.5,23.8,6.3,5.4,VNQ:18.0%;XLF:7.7%;HYG:21.0%;AAPL:11.6%;BND:20.6%;QQQ:21.0%,US:69.0;EU:8.5;APAC:5.5;EM:12.6;Other:4.4,Value:+0.3;Growth:-0.3;Quality:-1.0;Size:+0.9;Momentum:+0.7;LowVol:+0.6,,8,25,5.7,hard 10%,122,19.4,Bull,15.0,3.65,3.3,97,4,42,47,true,Rebalance,Rebalance back to target bands,25,-6,BrokerA,MKT,88,RegimeShift,Hedge,Volatility spike and breadth deterioration,-44,10,-29,4,false,Tighten stops on momentum names
P3518,Systematic,401k,USD,2025-03-22,1258286,71171,1187115,1.0,60.6,27.3,6.5,5.6,QQQ:21.8%;AMZN:26.1%;XLF:26.1%;BRK.B:26.1%,US:73.1;EU:11.3;APAC:8.8;EM:4.0;Other:2.7,Value:-0.2;Growth:0.0;Quality:+0.8;Size:+0.3;Momentum:-0.0;LowVol:-0.3,MaxPos6%,8,25,5.9,trailing 9%,122,23.0,Bull,12.2,4.96,3.2,72,2,38,40,false,Buy,Add to core equity +1%,6,7,BrokerA,LMT,95,None,None,Normal monitoring,-53,-26,-76,4,false,Within IPS guidelines
P3519,Systematic,Taxable,USD,2025-01-22,1242465,112285,1130180,1.0,66.2,26.2,2.3,5.2,TSLA:36.2%;MUB:36.2%;GLD:27.5%,US:72.4;EU:10.6;APAC:6.1;EM:6.2;Other:4.6,Value:-0.9;Growth:+0.8;Quality:-0.5;Size:-0.9;Momentum:-0.8;LowVol:-0.8,MaxPos6%;NoDerivatives,6,25,6.0,trailing 8%,213,24.5,Bear,22.1,3.79,1.1,186,20,57,67,false,Rebalance,Shift +1% to bonds from equity,33,-11,BrokerC,LMT,88,None,None,Normal monitoring,-56,11,-45,4,false,Increase defensive factor exposure
P3520,Active,401k,USD,2025-04-16,985201,89988,895213,1.14,52.3,21.3,16.9,9.5,QQQ:28.9%;VOO:25.4%;BRK.B:28.9%;IEF:16.7%,US:66.1;EU:8.1;APAC:16.6;EM:7.9;Other:1.4,Value:0.0;Growth:-0.2;Quality:+0.9;Size:-0.3;Momentum:+0.3;LowVol:+0.8,,8,30,5.7,hard 12%,120,25.4,Bear,27.1,3.51,2.3,130,-10,52,65,false,Sell,Trim extended winner -1%,3,-12,BrokerD,LMT,95,None,None,Normal monitoring,13,-6,-22,4,false,Tax-aware sells next window
P3521,Active,401k,USD,2024-07-13,2335828,156862,2178966,1.0,55.6,31.4,6.7,6.3,MUB:12.5%;BRK.B:20.8%;GLD:20.8%;HYG:18.4%;VNQ:18.1%;AAPL:9.4%,US:73.6;EU:13.7;APAC:6.1;EM:3.9;Other:2.8,Value:+0.9;Growth:-0.2;Quality:-0.6;Size:-0.1;Momentum:-0.3;LowVol:+0.6,,10,30,4.3,hard 12%,202,18.6,Bull,17.2,3.64,3.4,103,73,98,54,false,Rebalance,Shift +1% to bonds from equity,26,-19,BrokerC,LMT,92,None,None,Normal monitoring,110,-41,103,5,false,Monitor dispersion and breadth
P3522,Cautious,IRA,USD,2025-04-11,474505,53446,421059,1.0,49.4,32.6,6.1,11.9,MSFT:15.2%;TLT:12.2%;VNQ:24.2%;GLD:24.2%;QQQ:24.2%,US:62.2;EU:16.1;APAC:7.5;EM:12.7;Other:1.4,Value:+0.2;Growth:+0.2;Quality:+0.4;Size:-0.9;Momentum:-0.5;LowVol:-0.8,ESGOnly;MaxPos6%;NoDerivatives;NoMargin,7,35,5.9,trailing 8%,106,12.8,Bear,23.3,3.03,1.6,209,-68,5,58,false,Sell,Trim extended winner -1%,19,6,BrokerB,LMT,93,None,None,Normal monitoring,33,-13,35,5,false,Increase defensive factor exposure
P3523,Active,Taxable,USD,2025-09-19,629706,74043,555663,1.17,60.6,18.3,11.1,10.0,BRK.B:33.3%;MSFT:33.3%;VNQ:33.3%,US:64.2;EU:20.2;APAC:7.9;EM:6.8;Other:0.9,Value:+0.3;Growth:-0.9;Quality:-0.9;Size:+0.7;Momentum:+0.9;LowVol:-0.3,,10,25,5.6,trailing 9%,225,22.4,Bear,30.3,3.18,2.8,183,-105,5,74,true,Hedge,Buy index puts 1% notional,16,-9,BrokerA,LMT,98,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-25,-22,36,4,false,Increase defensive factor exposure
P3524,Cautious,Taxable,USD,2025-02-16,829889,123962,705927,1.0,37.0,38.0,8.9,16.1,AMZN:24.8%;GLD:24.1%;XLF:25.5%;MUB:25.5%,US:71.4;EU:9.5;APAC:7.7;EM:5.9;Other:5.5,Value:+0.9;Growth:+0.2;Quality:+0.8;Size:+0.3;Momentum:-0.3;LowVol:+0.1,ESGOnly;NoMargin,10,35,3.1,trailing 8%,106,18.6,Bull,11.3,4.7,3.3,98,111,100,30,false,Buy,Add to core equity +1%,17,8,BrokerC,LMT,100,None,None,Normal monitoring,-13,-14,-19,5,false,Monitor dispersion and breadth
P3525,Active,Trust,USD,2025-05-10,1793290,186076,1607214,1.0,60.6,27.7,3.2,8.4,VNQ:22.5%;QQQ:22.5%;XLF:22.5%;GLD:22.5%;IEF:9.8%,US:69.6;EU:12.7;APAC:6.8;EM:7.5;Other:3.4,Value:+0.6;Growth:-0.8;Quality:-0.8;Size:-0.8;Momentum:+0.3;LowVol:-0.5,,5,30,4.5,trailing 9%,144,25.5,Bull,12.1,4.1,3.0,83,49,79,31,false,Sell,Trim extended winner -1%,2,-18,BrokerB,MKT,88,None,None,Normal monitoring,75,-18,96,3,false,Increase defensive factor exposure
P3526,Systematic,Taxable,USD,2025-07-10,1122629,71383,1051246,1.0,58.4,26.6,6.8,8.3,GLD:33.3%;VOO:33.3%;BND:33.3%,US:59.1;EU:17.3;APAC:10.5;EM:8.2;Other:4.9,Value:+0.9;Growth:+0.8;Quality:-1.0;Size:+0.2;Momentum:-0.5;LowVol:-0.5,,7,35,5.0,trailing 8%,216,22.8,Sideways,15.6,4.72,3.3,107,12,57,55,false,Rebalance,Shift +1% to bonds from equity,18,-13,BrokerB,MKT,90,None,None,Normal monitoring,84,-15,195,3,false,Within IPS guidelines
P3527,Active,Roth,USD,2024-07-19,953245,77616,875629,1.0,64.3,26.4,0.0,9.3,QQQ:23.7%;GLD:24.4%;VNQ:10.8%;TSLA:24.4%;MSFT:16.8%,US:62.5;EU:16.6;APAC:11.6;EM:4.3;Other:5.0,Value:+0.2;Growth:+0.1;Quality:-1.0;Size:+0.3;Momentum:-0.1;LowVol:+1.0,,7,30,4.1,trailing 8%,126,20.5,Volatile,28.6,4.36,3.2,140,-25,31,71,true,Hedge,Buy index puts 1% notional,21,0,BrokerD,LMT,99,RegimeShift,Hedge,Volatility spike and breadth deterioration,25,-40,57,2,false,Increase defensive factor exposure
P3528,Hands-off,IRA,USD,2025-06-13,831779,48561,783218,1.0,67.7,17.8,8.4,6.0,XLF:33.3%;VOO:33.4%;BRK.B:33.4%,US:68.9;EU:12.0;APAC:14.0;EM:3.4;Other:1.8,Value:-0.5;Growth:-0.5;Quality:+0.9;Size:+0.1;Momentum:-0.9;LowVol:+0.8,ESGOnly,5,30,5.3,hard 10%,96,18.0,Bull,15.2,4.53,2.5,98,28,76,52,false,Sell,Trim extended winner -1%,29,1,BrokerC,MKT,97,None,None,Normal monitoring,114,-49,111,5,false,Within IPS guidelines
P3529,Cautious,Trust,USD,2025-03-31,675534,59428,616106,1.0,35.2,31.4,17.8,15.6,MSFT:17.3%;VNQ:27.9%;IEF:27.0%;VTI:27.9%,US:58.3;EU:20.2;APAC:8.4;EM:8.5;Other:4.6,Value:-0.3;Growth:+0.3;Quality:+0.9;Size:-0.6;Momentum:-0.3;LowVol:-0.2,ESGOnly;NoMargin,8,25,3.4,trailing 8%,141,16.8,Bear,29.7,4.5,2.0,150,10,49,53,false,Hedge,Add TLT +1% as duration hedge,26,-21,BrokerC,MKT,86,None,None,Normal monitoring,12,-30,0,3,false,Tighten stops on momentum names
P3530,Opportunistic,IRA,USD,2024-11-22,1206121,83862,1122259,1.0,73.2,11.9,5.9,8.9,QQQ:19.9%;MSFT:22.2%;GLD:19.2%;MUB:17.7%;AAPL:20.9%,US:69.4;EU:13.4;APAC:9.6;EM:5.2;Other:2.4,Value:-0.7;Growth:-0.5;Quality:+0.2;Size:+0.9;Momentum:-0.2;LowVol:-0.2,MaxPos6%,8,35,5.1,trailing 7%,259,31.2,Sideways,17.9,3.95,2.1,92,13,44,60,false,NoAction,Within bands; monitor,-4,-12,BrokerB,LMT,100,None,None,Normal monitoring,-46,-23,-69,5,false,Tighten stops on momentum names
P3531,Active,Roth,USD,2025-06-05,1620830,143917,1476913,1.0,64.2,22.7,5.2,7.9,BND:25.3%;VNQ:25.3%;MUB:25.3%;AAPL:24.2%,US:74.6;EU:10.6;APAC:5.8;EM:8.1;Other:0.9,Value:-0.1;Growth:+0.7;Quality:-0.0;Size:+0.8;Momentum:+0.9;LowVol:-0.5,MaxPos6%,5,30,4.8,trailing 9%,219,24.5,Bull,16.4,3.75,3.1,84,20,72,58,false,Rebalance,Shift +1% to bonds from equity,-12,-37,BrokerA,MKT,93,None,None,Normal monitoring,96,-28,222,4,false,Tighten stops on momentum names
P3532,Cautious,IRA,USD,2025-06-03,874457,80333,794124,1.0,43.2,38.0,1.7,17.2,HYG:15.7%;GLD:17.5%;XLF:16.3%;TSLA:13.7%;IEF:20.7%;VOO:16.1%,US:77.6;EU:9.3;APAC:5.0;EM:4.3;Other:3.8,Value:+0.1;Growth:+0.8;Quality:-0.6;Size:-0.6;Momentum:-1.0;LowVol:+0.7,NoMargin,8,35,3.3,hard 10%,157,17.7,Sideways,20.1,4.91,2.6,133,-21,52,37,false,Sell,Trim extended winner -1%,26,-10,BrokerA,LMT,96,None,None,Normal monitoring,4,-15,112,3,false,Tighten stops on momentum names
P3533,Opportunistic,IRA,USD,2025-12-03,1714250,59987,1654263,1.0,71.8,20.9,1.1,6.2,XLF:33.3%;VTI:33.3%;VNQ:33.3%,US:62.9;EU:10.2;APAC:13.7;EM:11.7;Other:1.5,Value:-0.9;Growth:+0.3;Quality:-0.6;Size:-0.8;Momentum:+0.5;LowVol:-0.5,NoDerivatives,6,35,5.5,trailing 7%,231,21.1,Volatile,26.9,3.92,4.1,170,16,53,74,true,Rebalance,Rebalance back to target bands,-7,-26,BrokerC,MKT,87,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,8,-38,-32,4,true,Monitor dispersion and breadth
P3534,Opportunistic,Roth,USD,2024-11-16,1417045,125995,1291050,1.0,69.9,13.4,8.8,7.9,MUB:17.1%;BND:27.6%;VTI:27.6%;AAPL:27.6%,US:63.3;EU:20.0;APAC:6.5;EM:7.4;Other:2.8,Value:+0.3;Growth:-1.0;Quality:-1.0;Size:-0.0;Momentum:+0.9;LowVol:+1.0,MaxPos6%,10,35,4.7,trailing 9%,195,32.8,Sideways,18.7,3.57,3.4,94,-30,34,52,false,Rebalance,Shift +1% to bonds from equity,2,-33,BrokerB,MKT,98,None,None,Normal monitoring,72,-34,171,3,false,Tax-aware sells next window
P3535,Active,Roth,USD,2024-12-07,860047,99628,760419,1.0,65.9,26.5,0.0,7.5,VNQ:26.3%;TLT:21.0%;GLD:26.3%;QQQ:26.3%,US:72.1;EU:8.8;APAC:8.0;EM:8.0;Other:3.1,Value:+0.2;Growth:-0.0;Quality:+0.8;Size:+0.9;Momentum:+0.6;LowVol:+0.6,,7,30,4.4,hard 12%,197,17.1,Sideways,18.2,3.89,2.9,96,-25,46,64,false,Rebalance,Shift +1% to bonds from equity,-3,-32,BrokerA,MKT,98,None,None,Normal monitoring,101,-31,72,3,false,Increase defensive factor exposure
P3536,Cautious,Taxable,USD,2025-07-26,230135,30647,199488,1.0,38.6,44.0,5.4,12.0,QQQ:20.9%;MUB:17.2%;TSLA:20.9%;MSFT:20.9%;IEF:20.3%,US:68.0;EU:13.4;APAC:6.8;EM:7.7;Other:4.1,Value:-0.4;Growth:+0.3;Quality:-0.1;Size:-0.3;Momentum:+0.3;LowVol:-0.2,MaxPos5%;NoMargin,6,30,4.0,trailing 8%,165,18.0,Bull,16.5,4.52,3.0,93,54,72,29,false,Sell,Trim extended winner -1%,2,-5,BrokerC,VWAP,87,None,None,Normal monitoring,104,-4,98,4,false,Within IPS guidelines
P3537,Active,Trust,USD,2024-08-06,1776690,112732,1663958,1.07,66.8,23.6,1.6,8.0,XLF:33.3%;BND:33.3%;IEF:33.3%,US:65.6;EU:8.2;APAC:10.2;EM:11.9;Other:4.1,Value:-0.3;Growth:+0.7;Quality:0.0;Size:+0.5;Momentum:+0.5;LowVol:-0.8,NoDerivatives,5,35,5.2,trailing 9%,196,26.9,Volatile,20.9,4.86,2.8,143,-11,44,68,false,Buy,Add to core equity +1%,7,-36,BrokerA,LMT,97,None,None,Normal monitoring,63,-53,107,4,false,Within IPS guidelines
P3538,Hands-off,Taxable,USD,2025-11-30,699750,50769,648981,1.0,65.1,28.0,1.7,5.1,QQQ:21.3%;HYG:14.6%;MUB:16.9%;BND:9.1%;AAPL:19.6%;MSFT:18.6%,US:75.7;EU:6.2;APAC:8.3;EM:8.4;Other:1.3,Value:-0.6;Growth:+0.4;Quality:-0.0;Size:-0.3;Momentum:-0.5;LowVol:-0.7,ESGOnly;MaxPos7%,6,30,4.6,hard 10%,170,18.1,Sideways,21.9,3.53,2.1,133,28,71,55,false,Buy,Add to core equity +1%,3,-6,BrokerD,VWAP,97,None,None,Normal monitoring,33,-55,31,5,false,Tighten stops on momentum names
P3539,Opportunistic,IRA,USD,2024-10-15,754969,49029,705940,1.09,61.9,13.4,16.9,7.8,TSLA:14.1%;MUB:22.5%;GLD:22.5%;VTI:22.5%;VNQ:18.5%,US:69.4;EU:10.9;APAC:6.5;EM:9.8;Other:3.4,Value:-0.2;Growth:-0.3;Quality:+0.7;Size:+0.5;Momentum:-1.0;LowVol:+0.4,NoDerivatives,10,25,6.4,trailing 7%,233,26.5,Sideways,20.3,4.98,2.2,93,-18,41,56,false,Rebalance,Shift +1% to bonds from equity,1,-9,BrokerB,MKT,90,None,None,Normal monitoring,95,-58,221,5,false,Tighten stops on momentum names
P3540,Cautious,401k,USD,2025-03-16,556020,58983,497037,1.0,46.1,33.9,8.6,11.4,HYG:25.2%;MSFT:17.2%;TSLA:13.7%;XLF:25.2%;VTI:18.7%,US:74.9;EU:8.5;APAC:10.3;EM:5.6;Other:0.6,Value:+0.2;Growth:-0.6;Quality:+0.7;Size:-0.3;Momentum:+1.0;LowVol:-0.0,NoMargin,10,25,4.4,trailing 8%,99,17.4,Bear,30.7,4.42,1.7,172,-23,44,78,true,Reduce,"Cut high-beta by 2-3%, add cash",9,-26,BrokerB,LMT,86,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,119,-18,114,5,true,Tighten stops on momentum names
P3541,Cautious,Trust,USD,2024-10-02,545032,46889,498143,1.0,38.2,36.6,10.1,15.1,GLD:33.3%;MUB:33.3%;AMZN:33.3%,US:63.9;EU:13.2;APAC:17.3;EM:4.7;Other:0.9,Value:-0.4;Growth:+0.8;Quality:+0.4;Size:-0.3;Momentum:+0.9;LowVol:+0.7,ESGOnly;NoDerivatives;NoMargin,8,35,5.0,trailing 10%,169,17.1,Sideways,19.2,3.78,2.9,99,3,54,48,false,Rebalance,Shift +1% to bonds from equity,34,4,BrokerA,LMT,94,None,None,Normal monitoring,26,-45,133,5,false,Increase defensive factor exposure
P3542,Hands-off,Trust,USD,2025-05-02,809457,76395,733062,1.0,66.7,27.1,0.0,6.2,GLD:14.3%;MSFT:22.2%;XLF:21.7%;TSLA:19.2%;BRK.B:22.5%,US:56.9;EU:20.2;APAC:13.7;EM:6.2;Other:3.0,Value:-0.9;Growth:-0.6;Quality:-0.1;Size:-0.7;Momentum:-0.1;LowVol:+0.1,MaxPos5%,6,30,4.6,trailing 8%,150,17.3,Bull,16.9,4.22,2.7,79,32,54,54,false,Hedge,Add TLT +1% as duration hedge,15,-1,BrokerD,LMT,92,None,None,Normal monitoring,-44,0,38,4,false,Monitor dispersion and breadth
P3543,Active,Trust,USD,2024-10-10,1736684,158132,1578552,1.0,60.4,18.8,15.2,5.6,VNQ:24.2%;BND:10.8%;AMZN:24.2%;QQQ:24.2%;TLT:16.7%,US:62.7;EU:16.9;APAC:14.6;EM:5.1;Other:0.7,Value:+0.1;Growth:+0.5;Quality:+0.5;Size:+0.6;Momentum:-1.0;LowVol:-0.2,NoDerivatives,6,35,5.8,trailing 8%,132,24.4,Bull,15.7,4.65,3.2,72,100,85,38,false,Buy,Add to core equity +1%,-2,-17,BrokerB,MKT,85,None,None,Normal monitoring,37,2,-1,5,false,Tax-aware sells next window
P3544,Active,Roth,USD,2024-12-23,1102812,111806,991006,1.09,54.2,27.1,10.6,8.2,MUB:21.1%;VTI:19.0%;VOO:17.4%;QQQ:21.3%;TSLA:21.3%,US:62.0;EU:19.1;APAC:10.3;EM:7.4;Other:1.2,Value:+0.8;Growth:-1.0;Quality:+1.0;Size:-0.8;Momentum:+0.2;LowVol:+0.6,NoDerivatives,8,25,5.9,trailing 9%,189,26.8,Bull,11.8,3.93,3.0,95,117,100,41,false,Buy,Add to core equity +1%,19,15,BrokerC,LMT,85,None,None,Normal monitoring,-38,-39,11,4,false,Within IPS guidelines
P3545,Cautious,IRA,USD,2025-08-01,246424,38114,208310,1.0,49.8,33.0,1.6,15.6,GLD:22.0%;MUB:16.7%;QQQ:22.0%;BRK.B:18.2%;HYG:21.1%,US:62.6;EU:18.9;APAC:8.6;EM:5.1;Other:4.8,Value:+0.1;Growth:+0.1;Quality:+0.4;Size:-0.6;Momentum:-0.9;LowVol:+0.7,ESGOnly;NoMargin,6,35,3.8,trailing 8%,149,19.3,Volatile,24.1,4.97,2.5,170,9,63,49,false,Rebalance,Shift +1% to bonds from equity,-6,-32,BrokerC,LMT,95,None,None,Normal monitoring,95,-16,161,5,false,Increase defensive factor exposure
P3546,Systematic,401k,USD,2024-10-19,1312372,113703,1198669,1.0,63.5,30.7,0.0,5.8,IEF:15.7%;XLF:12.1%;VNQ:23.2%;VTI:23.2%;MSFT:9.0%;AMZN:16.7%,US:68.0;EU:8.9;APAC:7.5;EM:11.5;Other:4.1,Value:-0.7;Growth:+0.7;Quality:-0.6;Size:-1.0;Momentum:+0.9;LowVol:+0.6,NoDerivatives,8,25,5.7,hard 12%,139,18.8,Volatile,25.5,5.0,4.2,178,72,99,59,false,Hedge,Add TLT +1% as duration hedge,23,-35,BrokerB,LMT,88,None,None,Normal monitoring,-34,-50,-15,3,false,Tighten stops on momentum names
P3547,Opportunistic,IRA,USD,2025-01-03,1260151,52459,1207692,1.0,68.6,11.9,10.8,8.7,VTI:12.9%;GLD:23.6%;QQQ:21.9%;AMZN:18.0%;VNQ:23.6%,US:63.0;EU:15.8;APAC:12.8;EM:4.4;Other:4.0,Value:-0.0;Growth:+0.7;Quality:+0.1;Size:-0.9;Momentum:+1.0;LowVol:-0.6,MaxPos7%,10,25,6.1,trailing 7%,248,22.3,Sideways,17.8,4.31,2.4,96,-6,58,66,false,Buy,Add to core equity +1%,-14,-29,BrokerD,LMT,97,None,None,Normal monitoring,-41,16,-78,3,false,Monitor dispersion and breadth
P3548,Active,401k,USD,2025-10-23,680818,58793,622025,1.13,63.1,28.1,0.0,8.8,IEF:10.0%;TLT:9.1%;BND:23.1%;AAPL:23.1%;AMZN:11.6%;GLD:23.1%,US:66.2;EU:5.6;APAC:15.4;EM:12.4;Other:0.4,Value:-0.4;Growth:-0.6;Quality:+0.4;Size:-0.5;Momentum:-0.2;LowVol:+0.4,,8,30,5.4,trailing 8%,168,16.4,Bull,11.1,4.09,2.1,102,39,67,39,false,Sell,Trim extended winner -1%,15,-2,BrokerD,LMT,86,None,None,Normal monitoring,-48,-46,-82,3,false,Tighten stops on momentum names
P3549,Opportunistic,401k,USD,2025-01-28,676734,34667,642067,1.0,74.2,16.3,1.1,8.4,VOO:22.0%;HYG:18.3%;VNQ:22.0%;AAPL:11.9%;BRK.B:15.4%;IEF:10.3%,US:69.4;EU:11.5;APAC:9.8;EM:9.2;Other:0.1,Value:-0.2;Growth:+0.8;Quality:+0.4;Size:-0.4;Momentum:-0.5;LowVol:+0.9,,10,35,6.9,trailing 7%,232,32.6,Bull,15.5,3.8,2.8,74,53,85,53,false,Rebalance,Shift +1% to bonds from equity,-9,-2,BrokerD,LMT,99,None,None,Normal monitoring,67,6,51,3,false,Tighten stops on momentum names
P3550,Hands-off,IRA,USD,2025-01-17,596481,47330,549151,1.0,67.8,23.1,0.0,9.2,VTI:33.3%;QQQ:33.3%;MUB:33.3%,US:68.9;EU:11.9;APAC:11.9;EM:4.2;Other:3.2,Value:-0.6;Growth:+0.1;Quality:-0.6;Size:+0.5;Momentum:0.0;LowVol:+1.0,,7,25,3.3,trailing 10%,122,14.2,Bull,11.6,4.98,3.2,88,96,100,40,false,Buy,Add to core equity +1%,10,-34,BrokerC,LMT,90,None,None,Normal monitoring,75,-11,177,5,false,Tighten stops on momentum names
P3551,Hands-off,Roth,USD,2025-01-19,172050,13896,158154,1.0,57.4,22.0,14.4,6.2,AMZN:22.9%;MSFT:8.6%;VTI:22.9%;MUB:16.8%;QQQ:15.0%;IEF:13.7%,US:71.5;EU:12.1;APAC:8.6;EM:4.8;Other:3.1,Value:-0.1;Growth:+0.3;Quality:-0.1;Size:-0.0;Momentum:-0.3;LowVol:+0.1,,8,30,3.5,hard 10%,109,15.6,Sideways,14.8,4.1,3.4,98,54,82,42,false,Rebalance,Shift +1% to bonds from equity,29,12,BrokerD,VWAP,92,None,None,Normal monitoring,29,-13,114,3,false,Tax-aware sells next window
P3552,Hands-off,Roth,USD,2024-10-26,154841,11920,142921,1.0,69.7,25.3,0.0,5.0,IEF:28.0%;VTI:28.0%;AMZN:28.0%;MSFT:16.0%,US:71.7;EU:11.8;APAC:7.9;EM:7.0;Other:1.5,Value:-0.6;Growth:-0.7;Quality:-0.8;Size:-0.3;Momentum:+0.3;LowVol:+0.6,MaxPos8%,10,25,4.0,trailing 8%,147,14.6,Volatile,26.2,4.65,3.7,113,-6,51,84,true,Reduce,"Cut high-beta by 2-3%, add cash",35,-38,BrokerD,MKT,96,VAR>budget,Hedge,Risk above budget threshold,40,-37,157,2,false,Increase defensive factor exposure
P3553,Opportunistic,401k,USD,2024-08-03,725112,58227,666885,1.2,66.9,10.3,18.7,4.1,VOO:15.3%;AAPL:22.4%;TSLA:17.4%;TLT:22.4%;GLD:22.4%,US:60.5;EU:12.8;APAC:14.6;EM:7.7;Other:4.5,Value:-0.0;Growth:-0.8;Quality:-0.9;Size:+0.4;Momentum:+0.8;LowVol:+0.9,MaxPos8%;NoDerivatives,5,25,4.7,trailing 7%,239,20.8,Bull,13.3,3.91,3.0,80,71,99,43,false,Hedge,Add TLT +1% as duration hedge,18,13,BrokerC,MKT,85,None,None,Normal monitoring,118,-32,174,4,false,Increase defensive factor exposure
P3554,Systematic,Roth,USD,2024-12-14,1861162,122045,1739117,1.0,62.2,26.3,6.0,5.6,TLT:21.2%;VNQ:26.3%;GLD:26.3%;AMZN:26.3%,US:66.6;EU:10.9;APAC:13.7;EM:4.6;Other:4.1,Value:-0.2;Growth:+0.4;Quality:-0.6;Size:+0.1;Momentum:-0.2;LowVol:-0.8,NoDerivatives,8,25,5.3,trailing 9%,144,26.6,Bear,22.5,3.74,1.9,173,-33,39,55,false,Rebalance,Shift +1% to bonds from equity,1,-25,BrokerC,MKT,88,None,None,Normal monitoring,15,-15,114,5,false,Increase defensive factor exposure
P3555,Systematic,Taxable,USD,2025-11-09,848927,42046,806881,1.0,62.3,30.4,2.0,5.4,GLD:28.0%;XLF:16.1%;TSLA:28.0%;AMZN:28.0%,US:77.2;EU:7.1;APAC:6.1;EM:6.1;Other:3.6,Value:-0.1;Growth:+0.6;Quality:+0.7;Size:0.0;Momentum:+0.4;LowVol:-1.0,,10,35,4.3,trailing 8%,206,25.6,Sideways,20.4,4.35,2.6,118,49,79,65,false,Rebalance,Shift +1% to bonds from equity,-6,-38,BrokerD,MKT,87,None,None,Normal monitoring,102,-26,155,4,false,Tighten stops on momentum names
P3556,Systematic,Trust,USD,2025-09-30,613898,38036,575862,1.0,55.5,27.9,11.4,5.3,MSFT:22.1%;GLD:21.1%;TSLA:12.3%;BND:22.2%;AMZN:22.2%,US:66.3;EU:12.8;APAC:10.9;EM:8.0;Other:2.0,Value:+0.5;Growth:-0.8;Quality:+0.4;Size:+1.0;Momentum:+0.5;LowVol:-0.5,NoDerivatives,7,25,5.4,trailing 8%,230,25.8,Bull,14.1,4.79,3.3,76,81,83,47,false,Rebalance,Shift +1% to bonds from equity,-8,-34,BrokerC,MKT,91,None,None,Normal monitoring,73,-49,196,4,false,Within IPS guidelines
P3557,Active,Roth,USD,2024-10-30,1070008,123233,946775,1.0,62.9,28.0,0.0,9.1,VNQ:28.7%;VOO:28.7%;AMZN:14.0%;IEF:28.7%,US:65.1;EU:11.7;APAC:10.8;EM:10.3;Other:2.2,Value:-1.0;Growth:-0.3;Quality:-0.8;Size:-0.4;Momentum:+0.1;LowVol:+0.4,MaxPos6%,10,30,4.6,trailing 9%,230,22.7,Bear,27.5,3.68,2.6,159,-44,30,77,true,Rebalance,Rebalance back to target bands,35,15,BrokerC,VWAP,86,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-59,-8,12,3,false,Tighten stops on momentum names
P3558,Systematic,Trust,USD,2025-07-12,673746,50800,622946,1.0,63.1,30.7,0.0,6.3,BRK.B:21.0%;TSLA:21.2%;AAPL:9.4%;XLF:6.4%;QQQ:21.2%;GLD:20.8%,US:73.8;EU:9.3;APAC:12.3;EM:4.0;Other:0.5,Value:+0.3;Growth:-0.3;Quality:+0.1;Size:-0.4;Momentum:+0.4;LowVol:-0.7,MaxPos5%;NoDerivatives,5,25,4.2,trailing 9%,211,24.3,Bull,11.4,4.95,2.1,117,94,90,31,true,Reduce,"Cut high-beta by 2-3%, add cash",33,-24,BrokerC,MKT,97,VAR>budget,Reduce,Risk above budget threshold,42,-35,111,3,false,Tighten stops on momentum names
P3559,Cautious,Roth,USD,2025-04-17,703854,93942,609912,1.0,53.7,33.1,2.4,10.8,MSFT:27.4%;BRK.B:27.4%;BND:17.8%;AMZN:27.4%,US:60.1;EU:17.3;APAC:8.7;EM:8.9;Other:5.0,Value:-0.1;Growth:-0.2;Quality:-0.2;Size:+0.8;Momentum:-0.7;LowVol:+0.2,ESGOnly;NoDerivatives;NoMargin,8,25,3.2,hard 10%,137,16.1,Bull,15.0,3.6,3.0,85,94,83,50,false,NoAction,Within bands; monitor,-15,-12,BrokerD,LMT,100,None,None,Normal monitoring,-18,-35,9,5,false,Tighten stops on momentum names
P3560,Opportunistic,Trust,USD,2025-08-02,419832,23335,396497,1.0,74.7,18.4,0.7,6.2,BND:31.5%;VNQ:34.3%;BRK.B:34.3%,US:64.2;EU:15.9;APAC:11.2;EM:7.5;Other:1.1,Value:-0.0;Growth:+0.3;Quality:-0.1;Size:+0.1;Momentum:+0.6;LowVol:-0.7,,6,25,4.7,trailing 9%,169,25.8,Bull,12.1,4.32,2.2,116,107,100,42,false,Buy,Add to core equity +1%,26,-11,BrokerC,LMT,89,None,None,Normal monitoring,-2,13,10,3,false,Monitor dispersion and breadth
P3561,Hands-off,Roth,USD,2025-07-21,808356,71132,737224,1.0,64.9,26.9,0.0,8.2,MSFT:33.3%;HYG:33.3%;AAPL:33.3%,US:58.7;EU:14.4;APAC:14.2;EM:10.5;Other:2.2,Value:-0.5;Growth:0.0;Quality:+0.9;Size:+0.5;Momentum:+0.4;LowVol:+0.8,,8,25,4.7,trailing 10%,124,19.9,Bear,23.2,4.08,1.1,160,22,61,57,false,Buy,Add to core equity +1%,-12,5,BrokerD,VWAP,89,None,None,Normal monitoring,-32,7,98,5,false,Increase defensive factor exposure
P3562,Active,401k,USD,2024-12-30,1990586,206011,1784575,1.25,63.4,19.3,9.4,7.9,QQQ:12.2%;VTI:15.9%;BND:25.5%;MUB:21.3%;HYG:25.1%,US:66.8;EU:20.4;APAC:8.2;EM:4.1;Other:0.4,Value:+0.7;Growth:+0.2;Quality:+0.4;Size:-0.5;Momentum:+1.0;LowVol:-0.3,,6,25,5.2,hard 12%,153,25.4,Bull,17.0,4.61,3.3,119,36,54,59,false,Hedge,Add TLT +1% as duration hedge,21,-13,BrokerA,LMT,99,None,None,Normal monitoring,-59,-60,-80,5,false,Tax-aware sells next window
P3563,Cautious,IRA,USD,2025-11-10,347752,38047,309705,1.0,48.1,36.8,0.1,15.0,AAPL:33.3%;GLD:33.3%;MSFT:33.3%,US:67.6;EU:10.2;APAC:9.1;EM:8.9;Other:4.2,Value:-0.2;Growth:-0.5;Quality:+0.6;Size:+0.9;Momentum:-0.2;LowVol:-0.8,ESGOnly;MaxPos6%;NoDerivatives;NoMargin,5,30,4.2,trailing 10%,147,14.7,Sideways,17.5,4.5,2.5,107,23,52,42,false,Rebalance,Shift +1% to bonds from equity,22,-8,BrokerC,LMT,93,None,None,Normal monitoring,-6,8,-22,5,false,Increase defensive factor exposure
P3564,Hands-off,401k,USD,2025-06-03,770939,50795,720144,1.0,66.2,24.5,2.3,7.1,BRK.B:25.2%;BND:25.2%;QQQ:24.4%;HYG:25.2%,US:62.9;EU:11.4;APAC:12.8;EM:10.2;Other:2.7,Value:-0.1;Growth:-0.0;Quality:-0.5;Size:-0.7;Momentum:-0.6;LowVol:-0.3,,10,35,5.7,trailing 8%,125,12.0,Volatile,28.0,3.52,3.9,145,-3,46,79,true,Reduce,"Cut high-beta by 2-3%, add cash",5,-16,BrokerB,MKT,90,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,80,12,113,5,true,Within IPS guidelines
P3565,Active,IRA,USD,2025-02-07,2067600,125072,1942528,1.0,51.1,18.3,24.3,6.4,VNQ:24.9%;TSLA:12.1%;HYG:24.9%;VTI:13.1%;IEF:24.9%,US:68.1;EU:5.8;APAC:14.4;EM:6.3;Other:5.4,Value:-0.3;Growth:-0.8;Quality:-0.6;Size:+0.1;Momentum:+0.1;LowVol:-0.5,MaxPos5%,5,30,5.5,trailing 8%,143,16.6,Sideways,14.2,3.87,2.0,97,-30,49,35,false,Sell,Trim extended winner -1%,-12,-21,BrokerC,LMT,95,None,None,Normal monitoring,53,9,41,4,false,Monitor dispersion and breadth
P3566,Systematic,IRA,USD,2025-06-11,1143175,83752,1059423,1.0,55.6,26.0,11.0,7.5,TLT:14.0%;AMZN:15.2%;TSLA:12.2%;MSFT:17.8%;XLF:20.4%;VOO:20.4%,US:71.9;EU:10.9;APAC:5.3;EM:9.4;Other:2.5,Value:+0.8;Growth:+0.5;Quality:+0.2;Size:-0.3;Momentum:-0.8;LowVol:+0.5,MaxPos7%,5,30,5.3,trailing 8%,168,23.1,Bull,12.2,4.05,2.5,102,118,99,42,true,Hedge,Buy index puts 1% notional,18,-10,BrokerB,LMT,87,RegimeShift,Hedge,Volatility spike and breadth deterioration,-58,-35,-7,2,true,Within IPS guidelines
P3567,Cautious,Trust,USD,2025-05-07,157576,17732,139844,1.0,49.1,35.6,0.0,15.3,BRK.B:25.7%;XLF:25.7%;GLD:23.0%;VOO:25.7%,US:68.8;EU:8.5;APAC:11.9;EM:7.6;Other:3.3,Value:+0.6;Growth:+0.8;Quality:+0.9;Size:-0.5;Momentum:+0.3;LowVol:+0.5,ESGOnly;NoDerivatives;NoMargin,10,35,5.3,trailing 10%,100,12.8,Bear,26.7,4.23,2.8,157,-15,30,72,true,Hedge,Buy index puts 1% notional,-13,-40,BrokerD,LMT,99,VAR>budget,Reduce,Risk above budget threshold,-34,-7,20,3,false,Tighten stops on momentum names
P3568,Active,Taxable,USD,2024-10-07,766591,91674,674917,1.0,54.1,28.7,8.6,8.6,MUB:24.1%;QQQ:14.9%;AAPL:24.1%;MSFT:24.1%;XLF:12.7%,US:63.9;EU:14.9;APAC:7.9;EM:12.0;Other:1.3,Value:+0.7;Growth:-0.5;Quality:-0.2;Size:+0.7;Momentum:0.0;LowVol:-0.6,NoDerivatives,8,35,5.4,trailing 9%,211,21.3,Bull,12.7,4.01,2.4,99,109,93,41,false,Sell,Trim extended winner -1%,27,-32,BrokerC,MKT,86,None,None,Normal monitoring,-48,6,-50,5,false,Monitor dispersion and breadth
P3569,Active,Roth,USD,2025-01-16,2059622,189744,1869878,1.0,64.6,20.6,6.6,8.2,HYG:11.4%;GLD:20.8%;VOO:20.8%;MUB:12.3%;AMZN:19.7%;QQQ:15.1%,US:63.7;EU:8.1;APAC:13.0;EM:12.3;Other:2.9,Value:-0.3;Growth:-0.8;Quality:+0.2;Size:-0.9;Momentum:-0.1;LowVol:+0.4,NoDerivatives,10,25,5.1,trailing 8%,143,18.6,Volatile,25.6,4.49,3.8,141,-33,18,64,false,Buy,Add to core equity +1%,9,-13,BrokerC,MKT,88,None,None,Normal monitoring,114,-18,149,4,false,Increase defensive factor exposure
P3570,Cautious,Taxable,USD,2024-09-26,466248,38465,427783,1.0,47.1,38.6,3.3,11.0,IEF:34.8%;HYG:34.8%;AMZN:30.4%,US:60.7;EU:16.0;APAC:11.0;EM:8.2;Other:4.1,Value:+0.7;Growth:-0.5;Quality:+0.5;Size:-0.5;Momentum:+0.1;LowVol:+0.5,ESGOnly;MaxPos8%;NoMargin,6,25,3.6,hard 10%,105,12.2,Volatile,31.9,4.01,3.4,129,-17,33,77,true,Rebalance,Rebalance back to target bands,17,-5,BrokerA,MKT,92,RegimeShift,Reduce,Volatility spike and breadth deterioration,1,-22,141,4,false,Within IPS guidelines
P3571,Opportunistic,Trust,USD,2025-09-16,1523072,63991,1459081,1.0,71.2,11.8,10.5,6.4,VTI:22.5%;XLF:15.6%;BND:22.5%;MSFT:17.0%;BRK.B:22.5%,US:70.8;EU:11.8;APAC:8.4;EM:8.1;Other:0.9,Value:-0.5;Growth:+0.2;Quality:-0.3;Size:-0.3;Momentum:-0.1;LowVol:+0.7,,5,25,5.9,trailing 7%,221,21.2,Bull,17.5,4.04,2.9,105,9,40,52,false,Sell,Trim extended winner -1%,24,-38,BrokerC,VWAP,87,None,None,Normal monitoring,107,-51,196,4,false,Tax-aware sells next window
P3572,Cautious,Trust,USD,2025-05-21,654812,74074,580738,1.0,40.4,34.9,9.9,14.8,GLD:22.6%;VOO:22.6%;BND:13.5%;VNQ:9.6%;MUB:11.9%;HYG:19.7%,US:71.2;EU:9.9;APAC:10.2;EM:4.9;Other:3.7,Value:+0.3;Growth:-0.7;Quality:-0.9;Size:+0.3;Momentum:-0.1;LowVol:+0.4,ESGOnly;NoMargin,10,30,3.2,hard 10%,142,12.2,Bull,11.6,4.96,2.9,78,58,67,21,true,Hedge,Buy index puts 1% notional,-14,2,BrokerB,LMT,96,VAR>budget,Hedge,Risk above budget threshold,17,-5,2,4,true,Tax-aware sells next window
P3573,Cautious,IRA,USD,2024-07-06,776654,79007,697647,1.0,48.8,40.8,0.0,10.4,AMZN:33.3%;TSLA:33.3%;XLF:33.3%,US:68.4;EU:16.1;APAC:8.3;EM:4.2;Other:3.0,Value:+0.3;Growth:+0.4;Quality:-0.0;Size:-0.6;Momentum:+0.9;LowVol:-0.5,ESGOnly;NoDerivatives;NoMargin,7,30,4.2,trailing 8%,161,17.7,Bull,16.3,3.65,2.0,93,73,98,40,true,Rebalance,Rebalance back to target bands,15,0,BrokerA,LMT,92,Drift>tolerance,Reduce,Allocation drift beyond policy bands,118,14,124,5,false,Increase defensive factor exposure
P3574,Hands-off,401k,USD,2024-08-05,642262,62899,579363,1.0,71.0,18.6,1.0,9.4,VTI:9.1%;GLD:22.5%;TSLA:22.5%;BRK.B:10.9%;BND:20.1%;AMZN:15.0%,US:74.6;EU:6.5;APAC:7.4;EM:8.1;Other:3.4,Value:+0.7;Growth:+0.6;Quality:+0.6;Size:-0.1;Momentum:+0.3;LowVol:-0.8,,7,35,4.6,hard 10%,99,19.3,Bull,12.4,4.84,2.0,83,90,90,50,false,Rebalance,Shift +1% to bonds from equity,9,-31,BrokerC,MKT,94,None,None,Normal monitoring,106,-54,104,5,false,Tax-aware sells next window
P3575,Active,401k,USD,2025-05-14,1080335,127100,953235,1.21,64.8,28.6,0.0,6.6,GLD:26.4%;HYG:26.4%;BRK.B:26.4%;TSLA:20.7%,US:65.6;EU:16.1;APAC:6.9;EM:7.7;Other:3.7,Value:-0.2;Growth:+0.8;Quality:+0.3;Size:+0.4;Momentum:+1.0;LowVol:-0.4,MaxPos6%;NoDerivatives,8,30,4.8,trailing 9%,124,25.6,Sideways,15.8,3.63,2.7,125,25,59,44,true,Rebalance,Rebalance back to target bands,12,13,BrokerA,LMT,94,VAR>budget,Reduce,Risk above budget threshold,115,4,123,5,false,Within IPS guidelines
P3576,Active,Roth,USD,2024-12-04,580679,68596,512083,1.0,64.3,29.7,0.0,6.0,TSLA:21.6%;AMZN:13.5%;IEF:22.7%;HYG:19.5%;MUB:22.7%,US:61.7;EU:13.8;APAC:11.0;EM:10.6;Other:2.8,Value:-0.5;Growth:+0.7;Quality:-0.9;Size:+0.7;Momentum:-0.7;LowVol:-0.6,NoDerivatives,6,35,5.2,trailing 9%,209,22.7,Bull,11.1,4.22,3.2,89,40,72,41,false,Sell,Trim extended winner -1%,27,-11,BrokerC,MKT,94,None,None,Normal monitoring,22,-35,137,5,false,Monitor dispersion and breadth
P3577,Active,IRA,USD,2025-08-28,2154846,238458,1916388,1.0,55.1,27.3,11.1,6.5,QQQ:38.1%;GLD:23.8%;IEF:38.1%,US:56.9;EU:17.7;APAC:13.2;EM:10.8;Other:1.4,Value:-0.9;Growth:-0.8;Quality:0.0;Size:-0.9;Momentum:+0.3;LowVol:+0.2,,10,30,4.4,trailing 8%,141,27.3,Volatile,27.8,4.75,4.0,152,-33,19,75,true,Hedge,Buy index puts 1% notional,33,-4,BrokerD,LMT,100,VAR>budget,Hedge,Risk above budget threshold,114,-11,139,2,false,Monitor dispersion and breadth
P3578,Active,IRA,USD,2024-10-08,2168129,191705,1976424,1.0,59.2,19.5,14.9,6.4,HYG:20.2%;VTI:25.5%;VOO:27.1%;IEF:27.1%,US:76.2;EU:10.3;APAC:5.6;EM:3.6;Other:4.3,Value:+0.4;Growth:+0.8;Quality:+0.1;Size:-1.0;Momentum:+0.8;LowVol:-0.3,MaxPos6%,8,25,5.5,trailing 8%,143,19.6,Volatile,20.3,4.62,3.1,111,-18,56,59,false,Sell,Trim extended winner -1%,22,-1,BrokerD,MKT,87,None,None,Normal monitoring,-17,-10,13,5,false,Within IPS guidelines
P3579,Active,401k,USD,2025-11-25,2228481,205793,2022688,1.21,56.3,23.2,14.6,5.9,BND:18.8%;VOO:27.3%;AMZN:27.3%;HYG:26.6%,US:67.6;EU:6.8;APAC:13.4;EM:7.5;Other:4.7,Value:-0.2;Growth:-0.6;Quality:+0.2;Size:+0.7;Momentum:+0.9;LowVol:-0.8,,10,35,5.1,trailing 9%,121,26.9,Volatile,22.9,3.79,2.3,179,19,56,57,false,Sell,Trim extended winner -1%,31,-11,BrokerD,MKT,93,None,None,Normal monitoring,-13,-30,47,5,false,Increase defensive factor exposure
P3580,Cautious,Taxable,USD,2025-06-01,247412,27846,219566,1.0,37.9,30.5,15.2,16.4,TLT:14.4%;VOO:10.8%;MSFT:25.9%;AMZN:25.9%;MUB:23.1%,US:67.3;EU:16.8;APAC:7.0;EM:8.9;Other:0.0,Value:+0.9;Growth:+0.7;Quality:-0.1;Size:-0.4;Momentum:-0.6;LowVol:-0.1,MaxPos6%;NoMargin,10,25,3.3,trailing 8%,96,16.2,Sideways,19.7,4.97,3.2,125,-12,49,48,false,Buy,Add to core equity +1%,27,14,BrokerA,LMT,91,None,None,Normal monitoring,-39,-23,23,4,false,Within IPS guidelines
P3581,Hands-off,Roth,USD,2025-10-19,538073,32544,505529,1.0,62.4,19.3,10.3,7.9,AMZN:35.0%;TLT:35.0%;BND:30.0%,US:67.1;EU:17.7;APAC:8.2;EM:6.8;Other:0.2,Value:+0.6;Growth:-0.2;Quality:-0.4;Size:+0.4;Momentum:-0.1;LowVol:+0.4,MaxPos7%;NoDerivatives,7,35,6.0,trailing 8%,148,14.7,Sideways,17.3,4.73,2.2,136,41,58,58,false,Buy,Add to core equity +1%,2,5,BrokerA,MKT,93,None,None,Normal monitoring,63,-31,138,4,false,Tighten stops on momentum names
P3582,Cautious,Trust,USD,2025-10-05,454812,39919,414893,1.0,50.9,34.1,0.0,15.0,AAPL:34.5%;TLT:34.5%;VOO:31.1%,US:66.2;EU:12.9;APAC:10.9;EM:6.1;Other:4.0,Value:+0.1;Growth:+0.1;Quality:+0.2;Size:-0.4;Momentum:+0.9;LowVol:-0.2,ESGOnly;NoMargin,8,35,4.9,hard 10%,160,14.2,Sideways,16.8,4.85,3.5,139,23,47,36,true,Hedge,Buy index puts 1% notional,24,-1,BrokerC,MKT,98,VAR>budget,Hedge,Risk above budget threshold,-21,-14,4,4,false,Within IPS guidelines
P3583,Active,Roth,USD,2024-12-09,1929938,144053,1785885,1.0,53.4,31.3,5.6,9.7,BRK.B:24.6%;AAPL:24.6%;HYG:13.1%;MSFT:23.5%;TLT:14.2%,US:61.5;EU:16.0;APAC:11.7;EM:8.0;Other:2.8,Value:+0.8;Growth:+0.6;Quality:-0.4;Size:+0.6;Momentum:0.0;LowVol:-0.8,,10,25,5.3,trailing 9%,176,19.9,Bull,14.7,3.65,2.6,106,67,85,40,false,Rebalance,Shift +1% to bonds from equity,-11,-10,BrokerA,VWAP,87,None,None,Normal monitoring,-2,-9,115,5,false,Tax-aware sells next window
P3584,Active,IRA,USD,2025-07-22,514763,35776,478987,1.0,61.7,24.7,4.9,8.7,BRK.B:27.2%;VOO:27.2%;MSFT:18.6%;VTI:27.1%,US:65.0;EU:11.8;APAC:13.2;EM:6.4;Other:3.6,Value:+0.2;Growth:+0.8;Quality:+0.3;Size:+0.7;Momentum:-0.2;LowVol:+0.3,,7,30,4.8,trailing 9%,229,27.4,Bear,27.8,3.41,2.5,160,18,51,70,false,Buy,Add to core equity +1%,8,-28,BrokerB,MKT,94,None,None,Normal monitoring,65,-39,71,3,false,Increase defensive factor exposure
P3585,Systematic,401k,USD,2024-11-28,1043555,57591,985964,1.0,68.2,22.1,0.3,9.4,MUB:27.8%;VOO:27.8%;VNQ:16.6%;VTI:27.8%,US:72.6;EU:6.4;APAC:13.5;EM:3.8;Other:3.7,Value:+0.3;Growth:+0.1;Quality:+0.4;Size:-0.1;Momentum:+0.3;LowVol:+0.6,MaxPos6%,10,35,4.9,trailing 9%,175,27.0,Bear,25.3,3.37,1.9,208,-53,15,78,true,Reduce,"Cut high-beta by 2-3%, add cash",14,-26,BrokerB,MKT,91,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-13,-10,-42,4,false,Tighten stops on momentum names
P3586,Hands-off,Trust,USD,2024-09-25,797218,61451,735767,1.0,63.4,16.9,14.3,5.4,TSLA:10.8%;MUB:21.7%;VOO:21.7%;IEF:21.7%;GLD:15.5%;BRK.B:8.7%,US:68.3;EU:14.5;APAC:7.5;EM:7.2;Other:2.4,Value:+0.7;Growth:-0.1;Quality:+0.1;Size:+0.2;Momentum:-0.3;LowVol:-0.6,ESGOnly;MaxPos6%,6,35,5.6,trailing 8%,99,18.3,Bull,12.8,4.68,2.8,111,101,100,38,false,Sell,Trim extended winner -1%,4,-40,BrokerA,VWAP,87,None,None,Normal monitoring,-31,-15,-18,4,false,Monitor dispersion and breadth
P3587,Cautious,Trust,USD,2025-07-10,288612,45268,243344,1.0,50.7,32.0,1.1,16.2,VOO:22.0%;AAPL:15.9%;IEF:22.0%;TSLA:18.1%;XLF:22.0%,US:67.0;EU:12.4;APAC:9.0;EM:10.8;Other:0.8,Value:-0.1;Growth:+0.9;Quality:+0.3;Size:+0.3;Momentum:+0.7;LowVol:-0.5,NoMargin,8,25,4.2,trailing 8%,157,12.9,Volatile,26.5,5.44,4.4,123,-31,49,73,true,Reduce,"Cut high-beta by 2-3%, add cash",-2,-22,BrokerC,LMT,100,Drift>tolerance,Pause,Allocation drift beyond policy bands,11,-27,150,4,false,Tax-aware sells next window
P3588,Opportunistic,IRA,USD,2024-08-01,1178632,45637,1132995,1.0,67.7,13.3,13.3,5.7,IEF:33.3%;GLD:33.3%;AMZN:33.3%,US:68.2;EU:13.1;APAC:8.1;EM:7.0;Other:3.5,Value:+0.9;Growth:+0.5;Quality:+0.3;Size:-1.0;Momentum:-0.4;LowVol:-0.6,,6,30,5.7,trailing 7%,249,26.2,Volatile,23.8,5.33,3.2,128,-56,23,74,true,Rebalance,Rebalance back to target bands,20,-20,BrokerA,MKT,92,VAR>budget,Pause,Risk above budget threshold,-6,10,6,4,false,Monitor dispersion and breadth
P3589,Hands-off,IRA,USD,2025-11-02,291018,14890,276128,1.0,56.3,26.5,9.9,7.3,XLF:23.1%;BND:18.4%;MSFT:23.9%;IEF:22.1%;AMZN:12.5%,US:76.0;EU:7.6;APAC:5.8;EM:7.7;Other:2.9,Value:+0.3;Growth:+0.5;Quality:-0.3;Size:+0.9;Momentum:-0.7;LowVol:+0.6,MaxPos6%,7,30,3.2,trailing 8%,155,17.7,Sideways,17.8,4.18,2.1,134,8,67,44,false,Sell,Trim extended winner -1%,18,-20,BrokerD,VWAP,88,None,None,Normal monitoring,113,-40,176,5,false,Increase defensive factor exposure
P3590,Systematic,Taxable,USD,2024-08-21,640939,31163,609776,1.0,63.9,28.3,1.1,6.7,IEF:23.6%;MSFT:10.5%;VTI:18.6%;GLD:23.6%;TLT:23.6%,US:76.0;EU:9.0;APAC:6.8;EM:6.9;Other:1.3,Value:+0.1;Growth:+0.9;Quality:+0.3;Size:-0.0;Momentum:-0.5;LowVol:+0.9,NoDerivatives,5,30,5.1,hard 12%,153,17.9,Volatile,24.7,4.67,4.3,132,16,67,60,false,Hedge,Add TLT +1% as duration hedge,12,-17,BrokerD,MKT,86,None,None,Normal monitoring,119,-23,101,3,false,Tax-aware sells next window
P3591,Hands-off,IRA,USD,2025-03-04,479950,39804,440146,1.0,58.7,17.8,14.8,8.8,QQQ:27.6%;XLF:27.6%;MSFT:17.2%;MUB:27.6%,US:73.4;EU:11.7;APAC:5.1;EM:5.8;Other:4.0,Value:-0.0;Growth:-0.6;Quality:+0.3;Size:-0.9;Momentum:-0.5;LowVol:0.0,NoDerivatives,10,30,5.6,trailing 10%,144,13.3,Bull,13.0,4.04,3.4,79,74,86,41,false,Sell,Trim extended winner -1%,-11,-15,BrokerA,LMT,97,None,None,Normal monitoring,29,-4,84,4,false,Within IPS guidelines
P3592,Hands-off,Taxable,USD,2025-06-12,731749,67701,664048,1.0,57.7,29.3,5.0,8.0,TLT:21.5%;XLF:7.4%;BND:19.4%;VOO:8.8%;AMZN:21.5%;GLD:21.5%,US:68.0;EU:19.3;APAC:7.3;EM:4.8;Other:0.7,Value:-0.1;Growth:-0.4;Quality:+0.3;Size:+0.8;Momentum:0.0;LowVol:+0.9,ESGOnly,5,25,4.5,trailing 8%,159,17.1,Bull,12.9,4.94,2.3,92,31,60,40,false,NoAction,Within bands; monitor,26,-35,BrokerA,MKT,0,None,None,Normal monitoring,95,-44,132,5,false,Within IPS guidelines
P3593,Systematic,Trust,USD,2025-05-01,1694953,80841,1614112,1.0,69.8,22.0,3.0,5.2,QQQ:25.0%;GLD:25.0%;BND:25.0%;MSFT:25.0%,US:64.5;EU:16.0;APAC:6.8;EM:10.7;Other:2.0,Value:-0.1;Growth:-0.0;Quality:-1.0;Size:-0.5;Momentum:+0.5;LowVol:+0.7,MaxPos8%,8,35,5.3,hard 12%,144,18.1,Sideways,18.7,4.63,2.4,110,32,51,60,false,NoAction,Within bands; monitor,10,6,BrokerA,MKT,0,None,None,Normal monitoring,4,-27,115,5,false,Tighten stops on momentum names
P3594,Systematic,Trust,USD,2024-08-12,902858,49115,853743,1.0,58.5,33.7,2.3,5.4,AAPL:24.3%;TSLA:24.3%;AMZN:13.0%;HYG:24.3%;IEF:13.9%,US:61.5;EU:19.8;APAC:14.0;EM:4.3;Other:0.5,Value:+0.2;Growth:-0.2;Quality:-0.8;Size:+0.1;Momentum:+0.1;LowVol:-0.0,,5,25,5.8,hard 12%,225,25.8,Volatile,23.5,3.83,2.7,130,3,64,68,false,Sell,Trim extended winner -1%,19,14,BrokerD,MKT,86,None,None,Normal monitoring,-44,9,74,3,false,Tax-aware sells next window
P3595,Systematic,Roth,USD,2025-04-01,651801,51646,600155,1.0,62.9,29.4,0.0,7.7,VOO:25.6%;IEF:25.6%;VNQ:23.3%;MUB:25.6%,US:71.5;EU:12.6;APAC:8.6;EM:5.8;Other:1.6,Value:+0.1;Growth:+0.4;Quality:-0.2;Size:+0.2;Momentum:+0.8;LowVol:-0.6,MaxPos7%,10,25,5.3,trailing 9%,143,20.6,Bear,28.8,3.27,1.8,169,12,69,83,true,Reduce,"Cut high-beta by 2-3%, add cash",32,-32,BrokerC,LMT,92,Drift>tolerance,Reduce,Allocation drift beyond policy bands,70,-1,34,4,false,Monitor dispersion and breadth
P3596,Opportunistic,401k,USD,2025-01-04,315646,11460,304186,1.0,65.0,15.1,11.2,8.7,VOO:27.2%;QQQ:18.4%;GLD:27.2%;HYG:27.2%,US:69.5;EU:15.1;APAC:8.1;EM:6.9;Other:0.4,Value:-0.9;Growth:+0.7;Quality:-0.4;Size:-0.7;Momentum:+0.3;LowVol:-0.7,,10,25,6.5,trailing 9%,225,21.4,Sideways,21.6,3.93,2.9,112,60,92,72,false,Hedge,Add TLT +1% as duration hedge,10,-6,BrokerB,MKT,94,None,None,Normal monitoring,-13,7,14,4,false,Increase defensive factor exposure
P3597,Hands-off,IRA,USD,2025-07-30,508926,20814,488112,1.0,67.2,27.8,0.0,5.1,BND:21.4%;BRK.B:21.4%;VNQ:21.4%;AAPL:18.7%;VTI:17.0%,US:57.1;EU:19.5;APAC:9.0;EM:11.5;Other:2.8,Value:-0.5;Growth:-0.7;Quality:-0.6;Size:-0.6;Momentum:-0.9;LowVol:-0.2,ESGOnly;NoDerivatives,10,25,3.4,trailing 10%,149,13.2,Bear,30.8,3.79,1.3,185,-32,41,78,true,Reduce,"Cut high-beta by 2-3%, add cash",16,-40,BrokerC,LMT,85,RegimeShift,Reduce,Volatility spike and breadth deterioration,119,5,181,2,false,Tighten stops on momentum names
P3598,Hands-off,Roth,USD,2024-09-09,206539,10531,196008,1.0,60.7,22.7,8.5,8.1,TLT:10.8%;BND:13.1%;BRK.B:20.7%;MSFT:20.7%;AMZN:13.9%;IEF:20.7%,US:60.3;EU:17.4;APAC:11.0;EM:7.8;Other:3.5,Value:-0.6;Growth:+0.5;Quality:-0.4;Size:+0.9;Momentum:+0.6;LowVol:-0.7,ESGOnly;MaxPos5%,5,25,3.6,trailing 10%,131,12.3,Sideways,18.4,4.45,3.1,134,-10,35,55,false,NoAction,Within bands; monitor,-5,10,BrokerD,MKT,0,None,None,Normal monitoring,83,-29,158,4,false,Within IPS guidelines
P3599,Active,IRA,USD,2025-07-20,2155243,217068,1938175,1.1,51.3,24.8,17.0,6.9,VTI:33.3%;VNQ:33.3%;MSFT:33.3%,US:76.9;EU:6.8;APAC:12.5;EM:3.1;Other:0.8,Value:+0.6;Growth:-0.9;Quality:-0.0;Size:-0.3;Momentum:+0.8;LowVol:-0.9,,5,30,4.1,trailing 9%,214,17.6,Sideways,15.5,4.59,3.4,91,56,63,35,false,Sell,Trim extended winner -1%,31,-11,BrokerD,MKT,96,None,None,Normal monitoring,-50,0,22,5,false,Tighten stops on momentum names
P3600,Active,Taxable,USD,2025-05-28,2201240,176302,2024938,1.0,52.7,19.1,22.6,5.6,MSFT:27.2%;XLF:18.3%;QQQ:27.2%;VOO:27.2%,US:68.5;EU:11.9;APAC:7.0;EM:10.3;Other:2.4,Value:-0.4;Growth:-0.3;Quality:+0.4;Size:+0.6;Momentum:-0.2;LowVol:+0.2,MaxPos8%,8,25,4.3,trailing 8%,197,17.4,Volatile,22.6,3.57,3.4,153,-22,45,53,false,Sell,Trim extended winner -1%,-3,-2,BrokerA,MKT,92,None,None,Normal monitoring,-42,-25,8,3,false,Monitor dispersion and breadth
P3601,Active,401k,USD,2025-06-12,2272455,232117,2040338,1.0,54.3,30.7,9.0,6.0,MUB:33.3%;VNQ:33.3%;AAPL:33.3%,US:64.0;EU:14.5;APAC:10.6;EM:7.8;Other:3.0,Value:+0.5;Growth:-0.5;Quality:+0.4;Size:-0.1;Momentum:+0.6;LowVol:+0.8,,8,30,5.3,trailing 9%,140,26.0,Sideways,17.6,4.13,3.3,130,-22,37,44,false,Sell,Trim extended winner -1%,21,-24,BrokerD,LMT,100,None,None,Normal monitoring,84,-10,207,3,false,Tighten stops on momentum names
P3602,Cautious,Trust,USD,2025-09-07,780365,74900,705465,1.0,40.9,30.8,14.3,14.0,BND:18.3%;QQQ:27.2%;AMZN:27.2%;XLF:27.2%,US:75.7;EU:7.5;APAC:10.1;EM:5.8;Other:1.0,Value:+0.7;Growth:-0.5;Quality:-0.8;Size:-0.8;Momentum:0.0;LowVol:+0.9,NoMargin,7,35,4.3,trailing 10%,154,14.8,Sideways,18.9,4.49,3.4,134,-3,48,41,false,Rebalance,Shift +1% to bonds from equity,19,3,BrokerC,MKT,96,None,None,Normal monitoring,76,-28,89,5,false,Within IPS guidelines
P3603,Opportunistic,Taxable,USD,2024-09-10,359967,14195,345772,1.16,70.9,21.6,0.0,7.5,GLD:25.0%;TLT:25.0%;BRK.B:25.0%;VOO:25.0%,US:65.2;EU:8.8;APAC:14.1;EM:10.5;Other:1.5,Value:-0.4;Growth:+0.2;Quality:+0.9;Size:-0.3;Momentum:+0.9;LowVol:-0.7,,7,25,5.5,hard 12%,245,32.5,Bull,13.7,4.22,2.1,84,36,70,40,true,Reduce,"Cut high-beta by 2-3%, add cash",14,-3,BrokerB,LMT,89,VAR>budget,Pause,Risk above budget threshold,-20,-50,-28,2,false,Tax-aware sells next window
P3604,Systematic,Trust,USD,2025-05-20,1650124,66637,1583487,1.0,61.8,30.1,1.3,6.8,MUB:24.8%;AMZN:15.3%;IEF:24.8%;XLF:15.4%;VOO:19.8%,US:71.3;EU:11.4;APAC:9.7;EM:4.2;Other:3.4,Value:-0.5;Growth:-0.0;Quality:+0.5;Size:-0.9;Momentum:-0.7;LowVol:-0.4,MaxPos6%;NoDerivatives,8,30,5.4,trailing 8%,229,21.2,Bull,18.0,4.61,2.8,95,33,76,52,false,Sell,Trim extended winner -1%,28,11,BrokerC,MKT,90,None,None,Normal monitoring,83,-10,116,5,false,Tighten stops on momentum names
P3605,Active,IRA,USD,2024-08-09,2388738,243885,2144853,1.0,64.4,24.4,4.4,6.8,TLT:8.4%;MUB:21.8%;BND:21.8%;HYG:13.8%;QQQ:14.7%;TSLA:19.6%,US:74.8;EU:4.9;APAC:14.2;EM:4.4;Other:1.7,Value:-0.3;Growth:+0.1;Quality:+0.1;Size:-0.1;Momentum:-0.1;LowVol:-0.6,,7,30,5.8,trailing 9%,149,22.1,Volatile,24.3,4.46,4.0,132,-35,17,74,true,Rebalance,Rebalance back to target bands,-14,-2,BrokerC,MKT,93,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-19,19,34,2,false,Monitor dispersion and breadth
P3606,Opportunistic,Trust,USD,2024-11-09,564390,22269,542121,1.0,62.5,15.2,17.1,5.2,MSFT:21.8%;AMZN:26.1%;VOO:26.1%;MUB:26.1%,US:62.9;EU:14.3;APAC:11.2;EM:7.3;Other:4.3,Value:-0.2;Growth:-0.2;Quality:+0.9;Size:-0.8;Momentum:-0.3;LowVol:+0.1,MaxPos6%,8,35,6.4,trailing 7%,237,25.2,Bull,11.1,3.62,3.3,115,8,58,38,false,Buy,Add to core equity +1%,12,-24,BrokerD,LMT,91,None,None,Normal monitoring,85,9,134,4,false,Monitor dispersion and breadth
P3607,Opportunistic,Taxable,USD,2025-08-09,914248,33336,880912,1.07,73.9,19.5,0.0,6.6,QQQ:20.6%;IEF:13.9%;GLD:20.6%;VOO:6.9%;AAPL:17.3%;BND:20.6%,US:68.1;EU:10.2;APAC:11.3;EM:7.1;Other:3.2,Value:+0.5;Growth:-0.1;Quality:-0.8;Size:-0.2;Momentum:+0.5;LowVol:+0.8,,6,30,5.7,trailing 7%,247,34.7,Bear,26.9,4.04,1.3,183,-5,46,83,true,Hedge,Buy index puts 1% notional,34,4,BrokerA,LMT,90,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-35,-42,-39,4,false,Increase defensive factor exposure
P3608,Systematic,401k,USD,2025-01-04,1550087,127488,1422599,1.0,56.6,27.1,7.7,8.6,VTI:12.6%;QQQ:22.7%;XLF:21.7%;IEF:22.7%;AAPL:20.4%,US:61.8;EU:10.1;APAC:11.0;EM:11.9;Other:5.2,Value:+0.7;Growth:-0.2;Quality:+0.3;Size:+0.4;Momentum:+1.0;LowVol:+0.5,MaxPos5%,5,25,4.8,hard 12%,222,18.3,Volatile,23.2,4.06,2.9,128,51,64,69,false,Sell,Trim extended winner -1%,13,-29,BrokerB,MKT,95,None,None,Normal monitoring,24,18,9,3,false,Within IPS guidelines
P3609,Cautious,401k,USD,2024-11-19,520172,75866,444306,1.0,42.9,42.3,0.0,14.9,QQQ:14.3%;XLF:13.3%;TSLA:22.3%;MSFT:14.9%;VOO:12.9%;VNQ:22.3%,US:64.7;EU:6.7;APAC:17.4;EM:9.7;Other:1.4,Value:+1.0;Growth:0.0;Quality:+0.9;Size:-0.7;Momentum:-0.8;LowVol:+1.0,ESGOnly;NoMargin,5,25,3.8,trailing 8%,156,18.8,Sideways,20.9,4.28,3.3,133,50,61,48,false,Buy,Add to core equity +1%,28,2,BrokerA,VWAP,94,None,None,Normal monitoring,18,-14,44,3,false,Increase defensive factor exposure
P3610,Active,IRA,USD,2025-05-22,1811712,144039,1667673,1.0,54.9,31.3,7.0,6.8,QQQ:18.6%;VNQ:18.9%;AAPL:16.6%;TSLA:10.2%;VOO:19.1%;AMZN:16.6%,US:75.9;EU:6.6;APAC:5.5;EM:11.7;Other:0.3,Value:-0.9;Growth:-0.4;Quality:+0.3;Size:-1.0;Momentum:+0.4;LowVol:+0.2,,7,30,5.3,trailing 8%,219,24.1,Sideways,14.8,4.43,3.1,129,-27,23,52,false,Buy,Add to core equity +1%,4,-37,BrokerB,MKT,87,None,None,Normal monitoring,-19,-42,-2,4,false,Monitor dispersion and breadth
P3611,Opportunistic,Trust,USD,2024-11-19,951434,72646,878788,1.0,63.6,20.7,6.9,8.7,MUB:21.4%;XLF:20.5%;GLD:15.4%;IEF:21.4%;AMZN:21.4%,US:72.2;EU:5.5;APAC:13.0;EM:4.6;Other:4.7,Value:-0.4;Growth:-0.2;Quality:-0.9;Size:+0.1;Momentum:+0.8;LowVol:+0.3,,7,35,6.8,trailing 9%,222,24.4,Bull,14.7,4.38,3.1,81,12,46,56,false,Buy,Add to core equity +1%,-6,-40,BrokerC,LMT,91,None,None,Normal monitoring,-37,-35,35,3,false,Increase defensive factor exposure
P3612,Systematic,Roth,USD,2024-08-19,1821915,108924,1712991,1.0,60.6,32.3,0.0,7.1,MUB:33.3%;AMZN:33.3%;TLT:33.3%,US:69.1;EU:14.6;APAC:9.8;EM:6.3;Other:0.1,Value:-0.6;Growth:-0.5;Quality:-0.7;Size:+0.2;Momentum:+0.2;LowVol:+0.6,,10,35,5.8,trailing 8%,187,19.6,Bull,14.5,3.98,3.2,115,51,60,42,false,Rebalance,Shift +1% to bonds from equity,-9,12,BrokerC,MKT,92,None,None,Normal monitoring,33,12,117,3,false,Tighten stops on momentum names
P3613,Hands-off,401k,USD,2024-08-11,150188,9262,140926,1.0,71.2,15.7,5.4,7.7,IEF:9.2%;HYG:15.7%;BRK.B:13.4%;VTI:15.8%;VNQ:23.0%;BND:23.0%,US:71.0;EU:9.1;APAC:9.4;EM:7.1;Other:3.3,Value:+0.2;Growth:-0.4;Quality:+0.5;Size:-0.0;Momentum:+0.9;LowVol:-0.7,NoDerivatives,6,30,4.2,trailing 10%,136,14.1,Bear,28.0,3.55,2.3,168,33,59,84,true,Reduce,"Cut high-beta by 2-3%, add cash",-14,-3,BrokerA,VWAP,87,VAR>budget,Hedge,Risk above budget threshold,80,6,75,4,true,Monitor dispersion and breadth
P3614,Cautious,401k,USD,2024-10-04,685839,92581,593258,1.0,37.1,37.3,9.6,16.0,BRK.B:33.3%;TSLA:33.3%;AMZN:33.3%,US:71.0;EU:9.5;APAC:12.8;EM:4.3;Other:2.5,Value:+0.3;Growth:-0.2;Quality:-0.1;Size:+0.2;Momentum:-0.1;LowVol:-0.9,MaxPos6%;NoMargin,8,25,4.1,hard 10%,127,14.2,Volatile,27.2,4.92,3.6,154,13,50,66,false,Buy,Add to core equity +1%,-15,3,BrokerD,LMT,88,None,None,Normal monitoring,99,-3,100,5,false,Tighten stops on momentum names
P3615,Cautious,Roth,USD,2025-09-16,804170,97175,706995,1.0,45.6,43.4,0.0,11.0,GLD:19.5%;VNQ:13.7%;AAPL:22.3%;MUB:22.3%;QQQ:22.3%,US:65.3;EU:15.5;APAC:9.4;EM:8.6;Other:1.2,Value:+0.3;Growth:-0.5;Quality:+0.3;Size:+0.2;Momentum:+0.7;LowVol:+0.5,ESGOnly;NoMargin,8,35,3.7,trailing 8%,138,18.6,Bull,16.3,4.76,2.7,103,120,100,37,false,Rebalance,Shift +1% to bonds from equity,16,3,BrokerB,LMT,85,None,None,Normal monitoring,99,-53,132,5,false,Tax-aware sells next window
P3616,Systematic,IRA,USD,2025-11-22,1197402,50555,1146847,1.0,57.6,25.0,11.9,5.5,MUB:33.3%;QQQ:33.3%;GLD:33.3%,US:73.2;EU:6.9;APAC:12.9;EM:6.5;Other:0.5,Value:-0.6;Growth:+0.4;Quality:+0.1;Size:+0.6;Momentum:-0.4;LowVol:+0.9,,5,35,4.2,hard 12%,171,24.9,Volatile,29.8,5.36,3.4,115,19,67,71,true,Reduce,"Cut high-beta by 2-3%, add cash",3,-12,BrokerC,VWAP,87,VAR>budget,Hedge,Risk above budget threshold,18,-38,116,4,false,Increase defensive factor exposure
P3617,Opportunistic,Taxable,USD,2024-08-30,1624989,78875,1546114,1.0,69.3,12.7,12.8,5.2,QQQ:33.3%;XLF:33.3%;TSLA:33.3%,US:62.3;EU:13.7;APAC:11.2;EM:9.0;Other:3.9,Value:-0.2;Growth:+0.9;Quality:0.0;Size:+1.0;Momentum:+1.0;LowVol:-0.4,,7,30,6.6,trailing 7%,233,23.2,Sideways,16.1,4.65,2.7,123,13,53,48,false,Hedge,Add TLT +1% as duration hedge,27,-7,BrokerB,VWAP,97,None,None,Normal monitoring,44,11,177,4,false,Tighten stops on momentum names
P3618,Active,IRA,USD,2024-07-23,901440,83255,818185,1.0,58.6,26.8,5.8,8.8,BRK.B:23.4%;GLD:23.4%;TSLA:14.6%;VOO:15.3%;MUB:23.4%,US:59.0;EU:18.8;APAC:11.4;EM:8.0;Other:2.9,Value:+0.8;Growth:+0.6;Quality:-0.9;Size:-0.8;Momentum:-0.3;LowVol:0.0,NoDerivatives,5,30,5.6,trailing 8%,201,27.5,Volatile,23.8,3.95,4.0,110,25,68,56,false,Rebalance,Shift +1% to bonds from equity,4,-9,BrokerC,MKT,95,None,None,Normal monitoring,119,-14,134,3,false,Tighten stops on momentum names
P3619,Active,IRA,USD,2025-01-28,1918829,115463,1803366,1.0,57.1,26.3,7.8,8.8,HYG:33.9%;TSLA:32.2%;BRK.B:33.9%,US:69.9;EU:13.5;APAC:7.1;EM:8.6;Other:0.9,Value:+0.5;Growth:+0.1;Quality:+0.8;Size:+0.5;Momentum:-0.2;LowVol:-0.7,,8,30,4.3,hard 12%,124,19.5,Volatile,28.4,4.71,4.3,154,-33,46,68,false,Rebalance,Shift +1% to bonds from equity,12,-38,BrokerC,MKT,96,None,None,Normal monitoring,-23,-4,-39,4,false,Within IPS guidelines
P3620,Cautious,Taxable,USD,2024-09-01,752451,69514,682937,1.0,40.4,33.4,15.7,10.5,GLD:33.3%;MSFT:33.3%;AMZN:33.3%,US:64.8;EU:14.0;APAC:10.0;EM:7.8;Other:3.3,Value:+0.4;Growth:-0.0;Quality:+0.1;Size:-0.7;Momentum:0.0;LowVol:+0.3,NoMargin,8,25,5.3,trailing 8%,142,17.5,Sideways,21.4,4.35,2.0,99,42,82,37,false,Rebalance,Shift +1% to bonds from equity,-11,-3,BrokerC,MKT,96,None,None,Normal monitoring,12,0,70,5,false,Tax-aware sells next window
P3621,Active,401k,USD,2025-08-30,1648894,147756,1501138,1.23,59.6,23.5,10.1,6.7,BND:33.3%;QQQ:33.3%;VOO:33.3%,US:68.6;EU:8.2;APAC:14.3;EM:4.3;Other:4.6,Value:+0.8;Growth:+0.4;Quality:-0.2;Size:+0.9;Momentum:-0.5;LowVol:-0.2,MaxPos8%;NoDerivatives,6,35,4.3,hard 12%,221,26.5,Sideways,19.9,4.8,2.2,137,16,51,58,false,Sell,Trim extended winner -1%,14,-5,BrokerA,LMT,91,None,None,Normal monitoring,-19,16,116,5,false,Monitor dispersion and breadth
P3622,Systematic,Taxable,USD,2025-01-21,759124,52898,706226,1.0,61.9,23.9,6.1,8.1,HYG:10.0%;IEF:21.2%;QQQ:9.3%;VNQ:21.2%;GLD:18.7%;VTI:19.6%,US:70.1;EU:7.3;APAC:11.7;EM:6.2;Other:4.6,Value:-0.5;Growth:-0.9;Quality:+0.9;Size:+0.6;Momentum:+0.5;LowVol:-0.8,,6,25,5.2,trailing 8%,122,22.5,Bear,25.1,4.11,1.5,187,-92,5,60,false,Buy,Add to core equity +1%,27,-2,BrokerC,MKT,99,None,None,Normal monitoring,-60,-44,-3,3,false,Monitor dispersion and breadth
P3623,Cautious,IRA,USD,2025-07-23,697298,98374,598924,1.0,41.9,41.8,0.0,16.3,GLD:27.9%;VNQ:27.8%;IEF:16.4%;VOO:27.9%,US:63.9;EU:14.7;APAC:11.0;EM:9.8;Other:0.6,Value:0.0;Growth:-1.0;Quality:-0.3;Size:+0.5;Momentum:+0.1;LowVol:-0.1,MaxPos7%;NoMargin,8,30,3.5,hard 10%,107,19.9,Sideways,21.7,4.64,3.0,104,7,62,41,false,Rebalance,Shift +1% to bonds from equity,25,-6,BrokerA,LMT,95,None,None,Normal monitoring,-49,-17,-23,4,false,Increase defensive factor exposure
P3624,Cautious,Roth,USD,2025-06-08,497083,52668,444415,1.0,38.8,35.2,10.1,15.8,BRK.B:33.3%;AAPL:33.3%;IEF:33.3%,US:65.0;EU:16.1;APAC:9.4;EM:8.7;Other:0.8,Value:-0.4;Growth:+0.3;Quality:+1.0;Size:+0.4;Momentum:-0.4;LowVol:+0.4,NoMargin,10,35,4.8,trailing 8%,162,16.9,Sideways,16.0,3.73,2.3,131,-15,30,26,false,Rebalance,Shift +1% to bonds from equity,-8,-2,BrokerB,MKT,95,None,None,Normal monitoring,76,-27,171,5,false,Tighten stops on momentum names
P3625,Systematic,IRA,USD,2025-08-31,1911484,83793,1827691,1.0,59.7,27.7,6.8,5.8,IEF:33.3%;TLT:33.3%;TSLA:33.3%,US:64.0;EU:17.1;APAC:8.4;EM:9.7;Other:0.8,Value:+1.0;Growth:+0.8;Quality:+0.9;Size:-0.8;Momentum:+0.2;LowVol:-0.2,MaxPos7%;NoDerivatives,10,35,4.3,trailing 8%,191,17.4,Volatile,27.1,5.44,2.5,180,33,77,75,true,Hedge,Buy index puts 1% notional,12,11,BrokerD,MKT,98,Drift>tolerance,Reduce,Allocation drift beyond policy bands,72,-21,200,2,false,Increase defensive factor exposure
P3626,Active,Trust,USD,2025-04-18,2317847,277963,2039884,1.0,61.2,27.6,4.2,7.0,VTI:22.2%;GLD:22.2%;AAPL:14.2%;BRK.B:19.2%;MUB:22.2%,US:63.5;EU:11.9;APAC:10.2;EM:11.1;Other:3.2,Value:-0.7;Growth:-0.7;Quality:-0.7;Size:+0.7;Momentum:-0.6;LowVol:-0.4,,10,25,5.5,hard 12%,121,26.9,Bull,16.6,4.09,2.8,119,67,79,44,false,Sell,Trim extended winner -1%,20,12,BrokerC,MKT,85,None,None,Normal monitoring,105,-25,207,3,false,Tighten stops on momentum names
P3627,Hands-off,IRA,USD,2024-10-29,745819,39518,706301,1.0,60.1,21.6,10.9,7.5,TLT:19.3%;VTI:11.3%;AMZN:12.5%;VOO:22.1%;HYG:12.9%;MUB:21.9%,US:65.6;EU:6.9;APAC:13.9;EM:8.5;Other:5.2,Value:+0.9;Growth:-0.0;Quality:+0.6;Size:-0.1;Momentum:+0.9;LowVol:+0.5,ESGOnly;MaxPos8%,10,30,4.2,hard 10%,113,19.9,Bull,14.9,5.0,3.1,80,72,90,38,false,Buy,Add to core equity +1%,-1,-13,BrokerA,VWAP,86,None,None,Normal monitoring,103,-52,160,5,false,Tax-aware sells next window
P3628,Systematic,Roth,USD,2025-05-07,665213,58145,607068,1.0,62.0,28.5,0.2,9.3,IEF:12.6%;VNQ:25.1%;MUB:23.6%;MSFT:25.1%;VOO:13.6%,US:74.2;EU:10.4;APAC:10.5;EM:3.2;Other:1.6,Value:-0.9;Growth:-1.0;Quality:+0.8;Size:+0.5;Momentum:+0.6;LowVol:+0.7,,5,35,4.4,hard 12%,173,20.4,Volatile,29.5,4.68,2.3,118,64,87,75,true,Reduce,"Cut high-beta by 2-3%, add cash",25,-35,BrokerD,MKT,96,VAR>budget,TightenStops,Risk above budget threshold,105,-60,224,2,false,Tax-aware sells next window
P3629,Cautious,IRA,USD,2024-07-12,371984,38934,333050,1.0,36.6,32.1,15.0,16.4,VNQ:22.8%;HYG:14.8%;TSLA:22.8%;XLF:10.9%;AAPL:10.0%;VTI:18.8%,US:74.9;EU:10.4;APAC:5.7;EM:4.9;Other:4.1,Value:+0.4;Growth:+1.0;Quality:-0.3;Size:+0.1;Momentum:-0.8;LowVol:+0.9,ESGOnly;MaxPos7%;NoMargin,5,35,4.2,hard 10%,116,12.9,Bull,13.9,4.79,3.2,76,71,90,21,false,Rebalance,Shift +1% to bonds from equity,-11,-1,BrokerD,LMT,95,None,None,Normal monitoring,-54,-47,-18,5,false,Within IPS guidelines
P3630,Cautious,401k,USD,2025-03-22,441881,49126,392755,1.0,46.5,40.3,0.0,13.1,AMZN:17.4%;HYG:22.5%;BND:24.4%;GLD:16.7%;VNQ:18.9%,US:67.8;EU:5.6;APAC:10.5;EM:12.8;Other:3.3,Value:-0.8;Growth:-0.3;Quality:-0.7;Size:+0.7;Momentum:-0.1;LowVol:-1.0,ESGOnly;MaxPos7%;NoMargin,8,30,4.0,trailing 8%,152,16.9,Volatile,31.8,4.65,2.4,131,-53,18,79,true,Rebalance,Rebalance back to target bands,22,11,BrokerA,MKT,86,Drift>tolerance,Reduce,Allocation drift beyond policy bands,71,13,51,2,false,Tax-aware sells next window
P3631,Cautious,Trust,USD,2025-05-27,379093,52388,326705,1.0,41.7,40.1,3.8,14.5,TLT:26.4%;IEF:26.4%;VNQ:20.7%;MUB:26.4%,US:57.1;EU:19.1;APAC:10.8;EM:11.4;Other:1.6,Value:0.0;Growth:+0.9;Quality:+0.3;Size:+0.9;Momentum:+0.8;LowVol:+0.4,ESGOnly;MaxPos8%;NoDerivatives;NoMargin,10,35,4.3,trailing 10%,164,17.0,Volatile,22.9,4.06,3.2,149,-38,40,53,true,Rebalance,Rebalance back to target bands,33,-2,BrokerD,MKT,99,Drift>tolerance,Pause,Allocation drift beyond policy bands,6,-38,-30,2,false,Tax-aware sells next window
P3632,Systematic,Taxable,USD,2024-12-24,851250,71583,779667,1.0,59.5,31.2,1.9,7.4,GLD:19.7%;AMZN:11.0%;XLF:12.6%;MSFT:19.2%;BND:20.7%;VTI:16.8%,US:75.4;EU:12.6;APAC:5.8;EM:4.8;Other:1.4,Value:+0.2;Growth:-0.9;Quality:-0.6;Size:-0.7;Momentum:+0.9;LowVol:+0.4,MaxPos5%,10,25,4.7,trailing 9%,205,26.7,Bear,27.9,4.22,1.3,196,-79,5,81,true,Hedge,Buy index puts 1% notional,19,-3,BrokerA,LMT,85,RegimeShift,Pause,Volatility spike and breadth deterioration,2,-1,133,5,false,Tighten stops on momentum names
P3633,Opportunistic,IRA,USD,2024-09-21,1106535,90193,1016342,1.0,67.2,15.4,12.3,5.1,HYG:33.3%;BND:33.3%;XLF:33.3%,US:71.1;EU:12.3;APAC:5.1;EM:11.0;Other:0.5,Value:+0.4;Growth:-0.2;Quality:-1.0;Size:-0.6;Momentum:+0.2;LowVol:+0.6,NoDerivatives,10,35,6.2,trailing 7%,191,22.9,Bull,13.9,4.4,2.8,97,18,71,49,true,Rebalance,Rebalance back to target bands,-3,-3,BrokerC,LMT,98,Drift>tolerance,Hedge,Allocation drift beyond policy bands,3,11,129,3,false,Tighten stops on momentum names
P3634,Hands-off,Trust,USD,2025-07-07,525914,50438,475476,1.0,61.0,24.2,7.3,7.5,MUB:14.4%;XLF:22.4%;GLD:23.1%;TLT:23.1%;AAPL:17.0%,US:66.4;EU:16.3;APAC:9.2;EM:5.4;Other:2.8,Value:-0.2;Growth:-0.1;Quality:-0.2;Size:+0.7;Momentum:+0.3;LowVol:-0.3,ESGOnly;MaxPos5%,6,25,3.1,hard 10%,102,18.0,Bear,30.6,3.04,1.5,200,-49,37,79,true,Hedge,Buy index puts 1% notional,10,-6,BrokerA,MKT,85,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,8,-49,81,2,false,Tighten stops on momentum names
P3635,Opportunistic,IRA,USD,2025-04-30,1222921,85725,1137196,1.0,67.0,17.2,8.2,7.6,GLD:33.3%;QQQ:33.3%;XLF:33.3%,US:65.4;EU:9.2;APAC:12.2;EM:10.1;Other:3.0,Value:-0.8;Growth:-0.5;Quality:+0.9;Size:+0.5;Momentum:-0.8;LowVol:-0.5,MaxPos8%,8,25,5.5,hard 12%,271,31.9,Sideways,15.9,4.11,2.0,109,52,77,56,false,Rebalance,Shift +1% to bonds from equity,22,1,BrokerB,LMT,86,None,None,Normal monitoring,81,-53,42,4,false,Increase defensive factor exposure
P3636,Active,401k,USD,2025-04-10,2021483,209374,1812109,1.0,51.1,21.5,19.9,7.5,TSLA:33.3%;TLT:33.3%;HYG:33.3%,US:67.5;EU:11.9;APAC:8.8;EM:11.1;Other:0.7,Value:-0.4;Growth:+0.6;Quality:-0.6;Size:+0.6;Momentum:-0.1;LowVol:+0.2,NoDerivatives,6,30,5.7,trailing 8%,200,19.6,Bull,12.3,4.61,3.4,93,108,100,30,false,NoAction,Within bands; monitor,-2,-31,BrokerD,VWAP,92,None,None,Normal monitoring,66,-30,56,3,false,Increase defensive factor exposure
P3637,Hands-off,Roth,USD,2024-07-09,466708,32300,434408,1.0,67.0,26.2,0.0,6.8,VNQ:23.8%;HYG:10.3%;BRK.B:23.8%;XLF:18.5%;TLT:23.8%,US:65.3;EU:15.0;APAC:10.3;EM:9.0;Other:0.4,Value:-0.4;Growth:-0.8;Quality:-0.8;Size:+0.7;Momentum:+0.6;LowVol:+0.8,MaxPos7%;NoDerivatives,6,30,3.5,trailing 10%,152,13.9,Bull,17.3,4.83,2.5,81,26,58,58,false,Rebalance,Shift +1% to bonds from equity,4,-34,BrokerB,LMT,98,None,None,Normal monitoring,113,-55,112,4,false,Monitor dispersion and breadth
P3638,Opportunistic,IRA,USD,2024-12-21,388121,15934,372187,1.0,62.9,17.4,11.5,8.3,HYG:24.3%;VOO:11.7%;IEF:24.3%;AMZN:15.2%;QQQ:24.3%,US:58.9;EU:20.1;APAC:11.9;EM:4.7;Other:4.4,Value:+1.0;Growth:-0.9;Quality:+0.6;Size:-0.8;Momentum:+0.2;LowVol:+0.5,MaxPos5%;NoDerivatives,6,25,6.6,trailing 7%,267,29.2,Bull,12.9,4.84,2.9,97,63,68,38,false,Sell,Trim extended winner -1%,16,7,BrokerD,MKT,90,None,None,Normal monitoring,91,-13,140,5,false,Tighten stops on momentum names
P3639,Opportunistic,Roth,USD,2024-12-13,580407,19261,561146,1.0,69.4,17.6,4.9,8.2,XLF:27.7%;VOO:27.7%;GLD:16.8%;AMZN:27.7%,US:67.3;EU:9.6;APAC:10.0;EM:8.5;Other:4.6,Value:+0.8;Growth:-0.7;Quality:0.0;Size:+0.4;Momentum:+0.4;LowVol:+0.1,MaxPos6%,7,30,5.0,hard 12%,185,23.4,Bear,22.6,3.97,1.7,220,-41,39,56,false,Rebalance,Shift +1% to bonds from equity,-6,-35,BrokerD,LMT,96,None,None,Normal monitoring,42,-45,97,4,false,Monitor dispersion and breadth
P3640,Systematic,Trust,USD,2025-05-12,783188,56412,726776,1.0,63.7,26.7,0.3,9.2,VTI:27.2%;IEF:18.3%;TSLA:27.2%;VOO:27.2%,US:73.1;EU:11.2;APAC:7.8;EM:7.3;Other:0.6,Value:+0.1;Growth:-0.7;Quality:+0.3;Size:-0.9;Momentum:+0.3;LowVol:-0.5,MaxPos8%,8,35,4.3,trailing 8%,140,16.2,Bull,13.6,4.86,2.1,108,62,66,41,false,Hedge,Add TLT +1% as duration hedge,32,-33,BrokerD,MKT,93,None,None,Normal monitoring,118,5,175,5,false,Tighten stops on momentum names
P3641,Cautious,Roth,USD,2024-12-27,316787,33420,283367,1.0,39.0,43.7,2.4,14.8,QQQ:12.5%;AAPL:25.2%;BND:11.8%;MSFT:25.2%;IEF:25.2%,US:57.6;EU:14.4;APAC:14.5;EM:10.1;Other:3.5,Value:+1.0;Growth:-0.8;Quality:-0.5;Size:+0.4;Momentum:+0.8;LowVol:+0.4,NoMargin,6,25,5.5,hard 10%,161,16.9,Bull,15.9,3.62,2.4,98,107,100,40,false,Sell,Trim extended winner -1%,34,2,BrokerA,VWAP,100,None,None,Normal monitoring,-27,-10,92,5,false,Tighten stops on momentum names
P3642,Systematic,Taxable,USD,2024-08-07,709535,28592,680943,1.0,63.6,21.4,7.7,7.3,VTI:23.9%;MSFT:9.3%;MUB:23.9%;VOO:23.9%;HYG:18.9%,US:59.0;EU:12.8;APAC:15.2;EM:7.7;Other:5.3,Value:-0.6;Growth:+0.2;Quality:+0.9;Size:-0.7;Momentum:+0.5;LowVol:+0.5,MaxPos7%,10,25,5.6,trailing 9%,197,25.8,Bull,16.7,4.63,2.2,95,71,79,54,false,Rebalance,Shift +1% to bonds from equity,15,-14,BrokerD,LMT,86,None,None,Normal monitoring,8,4,78,5,false,Within IPS guidelines
P3643,Hands-off,401k,USD,2024-08-05,159419,8431,150988,1.0,67.6,24.1,0.0,8.3,VOO:33.3%;IEF:33.3%;BND:33.3%,US:67.7;EU:10.1;APAC:12.9;EM:6.9;Other:2.5,Value:+0.5;Growth:+0.6;Quality:+0.3;Size:+0.1;Momentum:+0.1;LowVol:-0.7,,8,30,4.5,trailing 8%,145,16.8,Bull,15.4,4.58,2.9,91,65,95,59,true,Rebalance,Rebalance back to target bands,33,-26,BrokerA,LMT,87,VAR>budget,Hedge,Risk above budget threshold,-48,-1,6,2,false,Within IPS guidelines
P3644,Cautious,Trust,USD,2025-03-26,301418,44146,257272,1.0,39.7,44.0,0.4,16.0,GLD:16.8%;AMZN:23.9%;BND:21.0%;TSLA:23.9%;BRK.B:14.4%,US:70.1;EU:14.0;APAC:11.5;EM:4.0;Other:0.3,Value:+0.3;Growth:-0.3;Quality:-0.4;Size:-0.3;Momentum:+0.3;LowVol:+0.6,ESGOnly;NoMargin,10,25,5.6,trailing 8%,115,12.3,Bear,33.1,3.35,2.1,160,-96,5,70,false,Hedge,Add TLT +1% as duration hedge,18,14,BrokerB,LMT,90,None,None,Normal monitoring,48,19,140,4,false,Monitor dispersion and breadth
P3645,Opportunistic,Taxable,USD,2024-10-09,401180,35167,366013,1.0,74.8,13.5,5.3,6.5,XLF:25.9%;MUB:25.9%;HYG:25.9%;AAPL:22.3%,US:60.9;EU:18.3;APAC:12.0;EM:8.3;Other:0.4,Value:-0.2;Growth:-0.3;Quality:+0.1;Size:-0.6;Momentum:-0.4;LowVol:+0.5,NoDerivatives,8,25,5.0,hard 12%,177,31.4,Bear,29.1,3.88,2.1,207,-85,5,90,true,Reduce,"Cut high-beta by 2-3%, add cash",4,-21,BrokerC,MKT,87,RegimeShift,Hedge,Volatility spike and breadth deterioration,85,-26,149,2,false,Tighten stops on momentum names
P3646,Active,IRA,USD,2024-07-16,1711671,139501,1572170,1.0,68.9,24.2,1.3,5.6,AAPL:15.2%;IEF:18.8%;VNQ:21.8%;VOO:12.5%;TSLA:9.9%;QQQ:21.8%,US:65.9;EU:18.6;APAC:8.2;EM:5.0;Other:2.3,Value:-0.7;Growth:+0.1;Quality:0.0;Size:+0.4;Momentum:-0.3;LowVol:+0.2,MaxPos6%,6,25,5.1,hard 12%,214,18.3,Volatile,26.1,4.74,3.8,132,-43,20,72,true,Rebalance,Rebalance back to target bands,20,-3,BrokerC,LMT,88,VAR>budget,Hedge,Risk above budget threshold,2,-47,59,5,false,Within IPS guidelines
P3647,Active,Taxable,USD,2024-12-18,2004200,225819,1778381,1.0,57.3,31.4,2.5,8.8,VTI:18.1%;BND:11.6%;AMZN:20.9%;AAPL:20.0%;VNQ:16.9%;GLD:12.4%,US:65.7;EU:17.8;APAC:7.9;EM:5.7;Other:2.9,Value:-0.5;Growth:+0.8;Quality:+0.3;Size:+0.3;Momentum:+0.2;LowVol:+1.0,MaxPos7%;NoDerivatives,8,25,4.7,trailing 9%,201,21.8,Bull,16.9,4.12,2.6,93,79,90,50,false,Rebalance,Shift +1% to bonds from equity,35,-39,BrokerD,MKT,88,None,None,Normal monitoring,109,-40,238,3,false,Within IPS guidelines
P3648,Cautious,Trust,USD,2025-06-09,851168,96822,754346,1.0,35.4,33.6,14.3,16.8,VNQ:14.4%;MUB:13.8%;TLT:13.7%;XLF:22.0%;VOO:22.0%;IEF:14.0%,US:67.4;EU:17.2;APAC:8.5;EM:6.4;Other:0.4,Value:-1.0;Growth:-0.1;Quality:+0.8;Size:+0.1;Momentum:-0.4;LowVol:-0.8,ESGOnly;NoDerivatives;NoMargin,8,30,3.5,hard 10%,148,12.4,Sideways,21.0,3.83,3.1,93,33,63,37,false,Rebalance,Shift +1% to bonds from equity,22,-37,BrokerD,MKT,97,None,None,Normal monitoring,3,-16,9,4,false,Increase defensive factor exposure
P3649,Cautious,IRA,USD,2025-03-18,734625,94435,640190,1.0,45.4,41.2,0.0,13.4,VOO:33.3%;HYG:33.3%;TLT:33.3%,US:61.1;EU:12.5;APAC:8.5;EM:13.6;Other:4.3,Value:-0.9;Growth:+0.6;Quality:+0.4;Size:-0.2;Momentum:-1.0;LowVol:-0.9,ESGOnly;NoMargin,5,25,6.0,trailing 8%,117,14.0,Volatile,26.1,4.27,2.6,140,74,88,50,false,Buy,Add to core equity +1%,14,-23,BrokerD,MKT,91,None,None,Normal monitoring,23,-15,153,5,false,Increase defensive factor exposure
P3650,Opportunistic,IRA,USD,2024-11-15,809199,40477,768722,1.0,61.9,10.2,22.4,5.5,QQQ:19.9%;GLD:16.3%;XLF:20.4%;AMZN:21.7%;VOO:21.7%,US:61.4;EU:16.4;APAC:9.8;EM:10.9;Other:1.3,Value:-0.5;Growth:-0.0;Quality:+0.1;Size:-0.8;Momentum:-0.6;LowVol:-0.8,MaxPos8%;NoDerivatives,5,30,5.1,hard 12%,168,27.5,Volatile,24.1,3.78,3.0,111,68,88,74,true,Reduce,"Cut high-beta by 2-3%, add cash",-7,-24,BrokerD,VWAP,93,RegimeShift,Hedge,Volatility spike and breadth deterioration,-56,-22,76,4,false,Tighten stops on momentum names
P3651,Opportunistic,Trust,USD,2024-07-19,971622,47356,924266,1.0,63.7,19.7,11.9,4.7,AAPL:14.8%;BND:15.4%;VTI:21.3%;TLT:8.3%;MUB:21.3%;GLD:18.9%,US:69.6;EU:10.2;APAC:11.3;EM:8.5;Other:0.3,Value:0.0;Growth:-0.8;Quality:-0.6;Size:+0.5;Momentum:-0.5;LowVol:-0.4,,10,30,4.4,hard 12%,164,22.4,Sideways,21.7,4.4,2.2,130,-6,40,58,false,NoAction,Within bands; monitor,-9,10,BrokerA,LMT,89,None,None,Normal monitoring,-35,-6,-54,5,false,Increase defensive factor exposure
P3652,Hands-off,401k,USD,2024-08-27,808377,72892,735485,1.0,56.6,15.5,19.3,8.7,BND:11.1%;BRK.B:22.6%;GLD:22.6%;VOO:21.1%;XLF:22.6%,US:64.9;EU:9.3;APAC:14.7;EM:6.6;Other:4.5,Value:-0.6;Growth:+0.2;Quality:+0.1;Size:+0.8;Momentum:+0.1;LowVol:+0.3,,8,25,4.2,trailing 8%,158,17.9,Bull,17.3,3.92,3.2,111,11,49,42,false,Rebalance,Shift +1% to bonds from equity,7,-1,BrokerC,VWAP,91,None,None,Normal monitoring,50,0,128,4,false,Monitor dispersion and breadth
P3653,Active,401k,USD,2024-07-17,526260,42941,483319,1.0,56.0,19.6,16.3,8.1,TLT:12.2%;HYG:9.0%;BND:21.6%;TSLA:15.0%;QQQ:20.6%;BRK.B:21.6%,US:65.1;EU:19.2;APAC:8.3;EM:3.2;Other:4.2,Value:-0.3;Growth:-0.8;Quality:-0.2;Size:+0.8;Momentum:+0.7;LowVol:-0.4,,10,35,5.4,hard 12%,144,16.0,Bull,12.4,3.81,2.6,91,44,69,46,false,Sell,Trim extended winner -1%,-9,-2,BrokerD,LMT,94,None,None,Normal monitoring,39,-38,19,5,false,Monitor dispersion and breadth
P3654,Cautious,Taxable,USD,2025-01-14,747145,103507,643638,1.0,39.9,39.3,8.2,12.6,AAPL:23.8%;VNQ:24.7%;GLD:13.3%;QQQ:24.7%;BRK.B:13.4%,US:66.2;EU:13.8;APAC:9.7;EM:7.3;Other:3.1,Value:+0.3;Growth:+1.0;Quality:+0.1;Size:+0.6;Momentum:-0.7;LowVol:+0.1,ESGOnly;NoMargin,5,35,3.5,trailing 8%,147,16.8,Sideways,18.1,4.86,2.9,101,-10,52,30,false,Buy,Add to core equity +1%,10,-7,BrokerB,MKT,99,None,None,Normal monitoring,28,-28,55,5,false,Increase defensive factor exposure
P3655,Hands-off,Taxable,USD,2025-05-18,722203,55244,666959,1.0,56.1,28.1,10.4,5.4,VTI:12.3%;TLT:25.1%;XLF:25.1%;GLD:22.6%;MSFT:14.9%,US:64.6;EU:22.4;APAC:6.6;EM:6.0;Other:0.4,Value:-0.2;Growth:-0.8;Quality:-0.3;Size:-0.7;Momentum:-0.3;LowVol:+0.6,ESGOnly,5,30,4.6,trailing 10%,154,18.1,Sideways,16.0,3.85,2.2,95,-4,41,53,false,Buy,Add to core equity +1%,-14,-36,BrokerD,LMT,89,None,None,Normal monitoring,14,1,101,3,false,Monitor dispersion and breadth
P3656,Systematic,Roth,USD,2025-06-01,1154855,52777,1102078,1.0,59.8,32.9,0.0,7.4,AAPL:25.0%;MUB:25.0%;BRK.B:25.0%;VOO:25.0%,US:70.3;EU:9.2;APAC:11.3;EM:5.2;Other:4.0,Value:+0.5;Growth:-0.6;Quality:-0.6;Size:-0.9;Momentum:+0.8;LowVol:+0.4,MaxPos7%,8,25,5.6,hard 12%,124,25.3,Volatile,25.8,4.33,4.1,115,28,64,66,false,Sell,Trim extended winner -1%,23,-5,BrokerC,LMT,87,None,None,Normal monitoring,-46,-53,40,5,false,Within IPS guidelines
P3657,Cautious,IRA,USD,2025-03-18,437409,67933,369476,1.0,45.2,40.9,0.0,13.9,QQQ:27.4%;TSLA:27.4%;IEF:27.4%;MSFT:17.8%,US:62.8;EU:16.4;APAC:12.0;EM:5.4;Other:3.4,Value:-0.3;Growth:-0.8;Quality:-0.3;Size:-0.4;Momentum:-0.6;LowVol:0.0,ESGOnly;NoDerivatives;NoMargin,6,35,3.7,hard 10%,149,16.4,Bull,13.2,4.5,3.4,103,109,100,29,false,Buy,Add to core equity +1%,-10,-11,BrokerC,VWAP,99,None,None,Normal monitoring,82,-31,120,4,false,Tighten stops on momentum names
P3658,Systematic,Roth,USD,2025-12-19,897004,57379,839625,1.0,67.4,23.4,3.7,5.4,XLF:16.9%;TSLA:24.0%;TLT:24.0%;AMZN:24.0%;MUB:11.2%,US:66.9;EU:13.2;APAC:9.9;EM:6.7;Other:3.3,Value:-0.2;Growth:-0.6;Quality:+0.4;Size:-1.0;Momentum:0.0;LowVol:+0.5,NoDerivatives,8,25,4.2,trailing 9%,190,26.9,Bull,17.5,4.87,2.8,79,117,97,56,false,Buy,Add to core equity +1%,24,-11,BrokerB,MKT,88,None,None,Normal monitoring,66,-30,103,3,false,Tighten stops on momentum names
P3659,Systematic,Taxable,USD,2025-04-03,1521884,118561,1403323,1.0,62.3,22.8,5.6,9.3,BND:14.5%;VNQ:20.1%;TSLA:19.0%;VOO:16.4%;MUB:9.0%;HYG:21.0%,US:68.2;EU:13.2;APAC:10.6;EM:4.4;Other:3.6,Value:+0.6;Growth:+0.7;Quality:-1.0;Size:+0.3;Momentum:-0.0;LowVol:+1.0,MaxPos5%,5,35,5.9,hard 12%,147,23.4,Bull,12.1,4.65,3.0,102,21,53,50,false,Buy,Add to core equity +1%,10,-33,BrokerA,VWAP,85,None,None,Normal monitoring,108,11,114,5,false,Tax-aware sells next window
P3660,Hands-off,Trust,USD,2024-10-15,316179,31282,284897,1.0,66.7,25.3,0.0,8.1,BND:18.3%;QQQ:21.6%;BRK.B:9.5%;TLT:20.8%;GLD:17.0%;AMZN:12.9%,US:68.2;EU:12.1;APAC:10.5;EM:9.0;Other:0.2,Value:+0.7;Growth:-0.8;Quality:+0.5;Size:+0.7;Momentum:+1.0;LowVol:+0.2,,10,35,3.3,trailing 8%,110,17.2,Bear,32.9,3.3,2.3,206,38,70,87,true,Hedge,Buy index puts 1% notional,14,6,BrokerC,MKT,95,RegimeShift,Hedge,Volatility spike and breadth deterioration,48,-5,108,2,false,Tax-aware sells next window
P3661,Hands-off,401k,USD,2025-05-26,856302,59999,796303,1.0,59.5,26.3,8.8,5.4,IEF:36.1%;BND:27.8%;BRK.B:36.1%,US:72.4;EU:7.5;APAC:10.7;EM:7.6;Other:1.9,Value:0.0;Growth:-0.7;Quality:+0.7;Size:+0.5;Momentum:-1.0;LowVol:-0.5,MaxPos7%;NoDerivatives,7,25,3.7,trailing 8%,119,14.0,Bear,28.9,4.45,1.6,156,-106,5,75,true,Hedge,Buy index puts 1% notional,28,-15,BrokerC,MKT,88,RegimeShift,Reduce,Volatility spike and breadth deterioration,-25,-52,-59,2,false,Tighten stops on momentum names
P3662,Active,Roth,USD,2025-03-01,1364445,157778,1206667,1.0,62.7,26.0,3.1,8.2,MUB:8.6%;BND:23.8%;QQQ:20.0%;HYG:23.8%;AAPL:23.8%,US:69.9;EU:10.0;APAC:8.3;EM:6.9;Other:4.9,Value:-0.5;Growth:+0.4;Quality:+0.1;Size:+0.4;Momentum:-0.4;LowVol:-0.3,NoDerivatives,7,30,5.8,hard 12%,151,23.9,Bull,17.8,4.16,3.5,87,44,80,49,false,NoAction,Within bands; monitor,7,-14,BrokerB,LMT,99,None,None,Normal monitoring,34,-32,0,5,false,Within IPS guidelines
P3663,Opportunistic,Taxable,USD,2025-04-04,1587400,104573,1482827,1.0,75.9,12.2,7.3,4.5,BND:9.3%;VOO:24.0%;VTI:24.1%;GLD:24.1%;AMZN:18.5%,US:62.3;EU:8.5;APAC:15.8;EM:8.7;Other:4.7,Value:-0.7;Growth:-0.3;Quality:0.0;Size:-1.0;Momentum:+0.4;LowVol:+0.1,MaxPos7%,10,25,6.5,trailing 7%,164,24.8,Bull,17.6,4.34,2.5,80,66,90,70,false,NoAction,Within bands; monitor,12,4,BrokerB,LMT,88,None,None,Normal monitoring,110,-24,185,5,false,Within IPS guidelines
P3664,Active,Trust,USD,2024-10-28,768356,47570,720786,1.0,60.1,18.0,13.4,8.5,TLT:33.3%;QQQ:33.3%;AAPL:33.3%,US:80.1;EU:6.3;APAC:6.0;EM:4.4;Other:3.2,Value:-0.5;Growth:+0.2;Quality:+0.5;Size:-0.8;Momentum:-0.6;LowVol:+0.5,,6,25,5.1,trailing 8%,224,19.2,Bull,17.4,4.4,3.2,91,84,93,45,false,Buy,Add to core equity +1%,26,-30,BrokerA,MKT,89,None,None,Normal monitoring,54,-12,89,3,false,Within IPS guidelines
P3665,Hands-off,IRA,USD,2025-11-07,492961,43079,449882,1.0,70.4,21.9,0.0,7.7,MUB:16.2%;IEF:25.4%;VNQ:15.4%;BRK.B:17.7%;AAPL:25.4%,US:64.4;EU:6.8;APAC:14.6;EM:12.3;Other:1.9,Value:-0.5;Growth:+0.7;Quality:+0.3;Size:+0.4;Momentum:+0.1;LowVol:+0.4,,10,25,4.0,hard 10%,131,12.3,Bull,16.6,4.58,3.2,77,118,100,59,false,Sell,Trim extended winner -1%,-1,-7,BrokerB,MKT,98,None,None,Normal monitoring,-52,3,-62,4,false,Increase defensive factor exposure
P3666,Cautious,Taxable,USD,2025-07-06,245448,25859,219589,1.0,48.6,39.8,1.2,10.5,TSLA:22.0%;TLT:22.0%;MSFT:22.0%;XLF:18.8%;GLD:15.1%,US:64.8;EU:13.9;APAC:10.0;EM:10.9;Other:0.4,Value:+0.8;Growth:+0.5;Quality:-0.7;Size:-0.1;Momentum:-0.0;LowVol:-0.3,ESGOnly;NoMargin,7,35,5.7,trailing 8%,144,18.2,Volatile,30.7,4.13,3.9,133,14,49,65,true,Hedge,Buy index puts 1% notional,-6,12,BrokerD,VWAP,87,Drift>tolerance,Hedge,Allocation drift beyond policy bands,85,17,79,5,false,Increase defensive factor exposure
P3667,Opportunistic,IRA,USD,2024-07-10,1069886,92967,976919,1.11,62.3,20.2,13.1,4.4,MUB:33.3%;BND:33.3%;VNQ:33.3%,US:64.6;EU:11.9;APAC:11.4;EM:10.5;Other:1.7,Value:-0.5;Growth:+0.1;Quality:+0.9;Size:+0.5;Momentum:+0.4;LowVol:-0.7,,8,30,5.8,trailing 7%,185,24.2,Bull,17.6,3.53,2.8,88,21,53,53,false,Rebalance,Shift +1% to bonds from equity,6,-10,BrokerC,MKT,100,None,None,Normal monitoring,-35,6,10,3,false,Tax-aware sells next window
P3668,Active,IRA,USD,2024-08-16,1688534,187824,1500710,1.0,69.5,23.3,2.0,5.1,BRK.B:25.5%;XLF:25.5%;VOO:25.5%;QQQ:23.4%,US:69.8;EU:7.2;APAC:9.5;EM:10.8;Other:2.7,Value:+0.1;Growth:+0.1;Quality:-0.5;Size:+0.7;Momentum:-0.3;LowVol:-1.0,MaxPos7%,7,25,4.7,trailing 9%,145,19.7,Bull,16.5,3.52,2.6,87,0,51,52,false,Hedge,Add TLT +1% as duration hedge,32,15,BrokerB,VWAP,91,None,None,Normal monitoring,-55,-56,-24,4,false,Tax-aware sells next window
P3669,Active,Taxable,USD,2025-05-04,1486602,154791,1331811,1.0,60.6,22.2,10.2,7.0,GLD:22.3%;BRK.B:22.3%;MUB:10.9%;VTI:22.3%;XLF:22.3%,US:69.3;EU:14.8;APAC:5.9;EM:8.8;Other:1.2,Value:-0.9;Growth:-0.2;Quality:-0.9;Size:+0.1;Momentum:+1.0;LowVol:+0.2,,7,35,5.1,hard 12%,124,23.0,Bull,14.7,4.24,2.6,85,0,63,38,false,NoAction,Within bands; monitor,5,8,BrokerC,MKT,0,None,None,Normal monitoring,-25,-41,56,4,false,Within IPS guidelines
P3670,Opportunistic,Trust,USD,2024-11-17,1631515,129638,1501877,1.0,76.1,15.5,2.0,6.4,VNQ:33.3%;BND:33.3%;VOO:33.3%,US:69.5;EU:16.1;APAC:7.9;EM:4.0;Other:2.4,Value:+0.9;Growth:-0.7;Quality:-0.6;Size:+0.5;Momentum:+0.7;LowVol:+0.9,NoDerivatives,10,30,5.5,hard 12%,279,20.2,Sideways,21.8,3.53,2.1,96,-14,40,70,true,Reduce,"Cut high-beta by 2-3%, add cash",-10,-36,BrokerD,LMT,95,VAR>budget,Hedge,Risk above budget threshold,-29,10,-3,3,false,Increase defensive factor exposure
P3671,Opportunistic,Taxable,USD,2025-11-20,1043361,33928,1009433,1.06,61.4,21.3,10.5,6.8,HYG:20.4%;MSFT:13.0%;QQQ:13.5%;VNQ:20.6%;VTI:15.4%;VOO:17.2%,US:71.6;EU:7.2;APAC:15.7;EM:4.2;Other:1.3,Value:0.0;Growth:+0.4;Quality:-0.1;Size:-0.6;Momentum:-0.7;LowVol:+0.4,MaxPos6%,7,30,4.0,hard 12%,200,20.2,Volatile,22.9,3.97,2.2,176,-34,32,57,false,Sell,Trim extended winner -1%,-5,-22,BrokerD,MKT,92,None,None,Normal monitoring,92,-60,224,5,false,Monitor dispersion and breadth
P3672,Active,Trust,USD,2025-02-12,1524132,119044,1405088,1.0,61.7,29.1,1.4,7.8,TLT:16.1%;GLD:17.2%;QQQ:16.6%;VOO:15.2%;BRK.B:20.0%;BND:14.9%,US:70.5;EU:14.8;APAC:6.4;EM:7.9;Other:0.4,Value:+0.5;Growth:+0.6;Quality:-0.3;Size:+0.6;Momentum:-0.4;LowVol:-1.0,,5,25,4.7,trailing 9%,128,19.2,Bull,17.5,4.14,2.2,81,68,70,59,true,Hedge,Buy index puts 1% notional,13,7,BrokerA,MKT,99,VAR>budget,Hedge,Risk above budget threshold,23,-1,33,3,false,Within IPS guidelines
P3673,Cautious,Roth,USD,2025-06-04,847742,96502,751240,1.0,49.5,33.9,0.0,16.6,VNQ:24.5%;VOO:25.2%;TLT:25.2%;BRK.B:25.2%,US:69.5;EU:7.5;APAC:10.9;EM:8.8;Other:3.3,Value:+0.9;Growth:-0.4;Quality:-0.2;Size:-0.5;Momentum:+0.8;LowVol:-1.0,ESGOnly;MaxPos7%;NoMargin,8,35,5.2,hard 10%,105,14.8,Bear,25.4,3.85,2.7,173,-14,42,56,false,Sell,Trim extended winner -1%,9,-24,BrokerB,MKT,94,None,None,Normal monitoring,77,-17,190,4,false,Increase defensive factor exposure
P3674,Cautious,401k,USD,2025-12-08,655723,61648,594075,1.0,48.0,30.5,8.5,13.0,MUB:16.5%;VTI:23.6%;IEF:19.8%;BND:16.5%;AMZN:23.6%,US:69.9;EU:14.5;APAC:9.4;EM:5.3;Other:0.9,Value:+0.7;Growth:+0.4;Quality:-0.5;Size:-0.8;Momentum:-0.7;LowVol:-0.2,NoMargin,10,25,5.6,trailing 8%,128,15.9,Volatile,24.0,3.64,3.4,116,40,60,54,false,Buy,Add to core equity +1%,5,-13,BrokerA,MKT,88,None,None,Normal monitoring,-59,4,51,5,false,Increase defensive factor exposure
P3675,Hands-off,Trust,USD,2025-05-02,554320,46743,507577,1.0,67.1,25.2,0.0,7.7,BRK.B:33.3%;QQQ:33.3%;VNQ:33.3%,US:67.5;EU:14.6;APAC:8.5;EM:6.1;Other:3.4,Value:+0.1;Growth:+0.4;Quality:+0.9;Size:-0.7;Momentum:0.0;LowVol:+0.5,ESGOnly,6,35,4.3,hard 10%,166,16.5,Sideways,14.9,3.95,2.6,140,6,53,47,false,Buy,Add to core equity +1%,-9,14,BrokerC,LMT,92,None,None,Normal monitoring,-33,-28,99,3,false,Tighten stops on momentum names
P3676,Active,IRA,USD,2024-11-10,1439135,88865,1350270,1.0,63.0,21.1,5.9,10.0,QQQ:28.7%;VOO:28.7%;BND:14.0%;AMZN:28.7%,US:66.2;EU:14.4;APAC:15.0;EM:4.4;Other:0.1,Value:-0.3;Growth:+0.9;Quality:-0.3;Size:+0.9;Momentum:-0.9;LowVol:+1.0,NoDerivatives,6,25,4.0,trailing 8%,225,18.2,Volatile,27.3,3.64,3.2,178,62,81,81,true,Hedge,Buy index puts 1% notional,6,-33,BrokerC,MKT,86,RegimeShift,Hedge,Volatility spike and breadth deterioration,69,-58,61,2,false,Tax-aware sells next window
P3677,Active,Trust,USD,2025-10-11,1696663,121473,1575190,1.0,55.5,28.3,8.4,7.8,GLD:33.3%;HYG:33.3%;BND:33.3%,US:72.5;EU:5.4;APAC:14.0;EM:7.1;Other:0.9,Value:-0.8;Growth:+0.9;Quality:+0.5;Size:+0.7;Momentum:+0.9;LowVol:0.0,NoDerivatives,10,35,5.3,trailing 8%,132,26.1,Sideways,15.9,4.1,2.1,136,12,43,48,false,Rebalance,Shift +1% to bonds from equity,17,-2,BrokerD,LMT,95,None,None,Normal monitoring,56,-22,131,3,false,Tax-aware sells next window
P3678,Active,401k,USD,2025-09-06,2395999,154404,2241595,1.1,65.7,21.2,3.3,9.8,VNQ:27.2%;AMZN:27.2%;TSLA:27.2%;VTI:18.5%,US:58.2;EU:19.7;APAC:13.3;EM:4.2;Other:4.6,Value:-0.2;Growth:0.0;Quality:+0.8;Size:-0.2;Momentum:-0.1;LowVol:+0.5,MaxPos6%,6,35,5.6,trailing 9%,136,16.8,Bear,22.4,3.45,1.6,212,-118,5,58,false,Buy,Add to core equity +1%,16,-27,BrokerC,LMT,85,None,None,Normal monitoring,59,-17,37,4,false,Monitor dispersion and breadth
P3679,Active,Roth,USD,2024-07-11,752275,53488,698787,1.19,50.8,24.1,19.4,5.7,QQQ:9.0%;XLF:21.7%;VOO:13.3%;AAPL:21.7%;TLT:21.7%;BND:12.5%,US:64.8;EU:18.0;APAC:12.4;EM:4.0;Other:0.8,Value:-0.0;Growth:+0.5;Quality:-0.8;Size:-0.6;Momentum:-0.9;LowVol:+0.8,MaxPos7%;NoDerivatives,10,30,4.5,trailing 9%,203,17.4,Bull,16.9,4.79,3.4,111,14,70,53,false,Rebalance,Shift +1% to bonds from equity,11,-34,BrokerA,LMT,87,None,None,Normal monitoring,106,-26,82,3,false,Tighten stops on momentum names
P3680,Systematic,Trust,USD,2024-09-14,1525879,114208,1411671,1.0,62.6,31.9,0.0,5.5,BND:22.1%;HYG:20.5%;MSFT:13.2%;AMZN:22.1%;VTI:22.1%,US:69.8;EU:6.5;APAC:11.9;EM:11.4;Other:0.4,Value:+0.9;Growth:+0.5;Quality:-0.9;Size:+0.5;Momentum:-0.6;LowVol:+0.7,MaxPos5%,7,35,4.8,trailing 9%,215,23.0,Bull,14.6,4.57,2.2,93,82,81,38,false,Rebalance,Shift +1% to bonds from equity,35,-33,BrokerB,MKT,95,None,None,Normal monitoring,90,-42,70,4,false,Increase defensive factor exposure
P3681,Cautious,401k,USD,2025-11-21,718821,113804,605017,1.0,41.2,38.7,4.5,15.7,VNQ:18.7%;HYG:19.3%;AAPL:14.4%;QQQ:23.8%;BND:23.8%,US:76.1;EU:7.1;APAC:8.6;EM:4.5;Other:3.6,Value:+0.6;Growth:+0.6;Quality:+0.8;Size:-0.0;Momentum:+0.4;LowVol:+0.8,ESGOnly;MaxPos5%;NoMargin,8,35,3.1,trailing 10%,140,16.8,Bear,22.2,3.5,3.0,196,-43,35,54,false,Buy,Add to core equity +1%,30,7,BrokerC,MKT,97,None,None,Normal monitoring,28,-11,18,3,false,Increase defensive factor exposure
P3682,Hands-off,IRA,USD,2025-04-20,282803,21866,260937,1.0,59.1,22.3,8.7,9.9,XLF:12.9%;QQQ:19.6%;BND:21.4%;VNQ:23.1%;AMZN:23.1%,US:70.7;EU:6.8;APAC:11.8;EM:9.1;Other:1.6,Value:+0.7;Growth:-0.4;Quality:+0.1;Size:+0.5;Momentum:+0.8;LowVol:-0.3,,10,35,4.0,trailing 8%,149,19.6,Volatile,27.3,5.14,2.8,173,-58,26,68,false,Hedge,Add TLT +1% as duration hedge,-11,-13,BrokerA,LMT,91,None,None,Normal monitoring,-50,2,77,4,false,Tax-aware sells next window
P3683,Hands-off,401k,USD,2024-11-08,739077,40650,698427,1.0,58.1,19.5,13.0,9.4,TSLA:27.9%;BND:27.9%;VTI:16.3%;AAPL:27.9%,US:70.1;EU:11.4;APAC:7.9;EM:9.5;Other:1.0,Value:+0.7;Growth:+0.6;Quality:-0.7;Size:+0.3;Momentum:+0.6;LowVol:-0.2,ESGOnly;MaxPos6%;NoDerivatives,5,35,3.9,hard 10%,94,14.9,Volatile,22.3,4.78,4.1,149,-19,53,53,false,Rebalance,Shift +1% to bonds from equity,-12,-20,BrokerB,MKT,89,None,None,Normal monitoring,-12,14,14,4,false,Monitor dispersion and breadth
P3684,Active,IRA,USD,2025-07-31,1526310,142725,1383585,1.0,65.2,28.8,0.8,5.2,BRK.B:18.2%;IEF:19.5%;VOO:12.6%;TLT:24.8%;QQQ:24.8%,US:72.7;EU:9.6;APAC:6.3;EM:8.4;Other:3.0,Value:+0.2;Growth:-0.4;Quality:-0.2;Size:+0.4;Momentum:-0.6;LowVol:-0.1,MaxPos5%;NoDerivatives,7,30,5.0,hard 12%,205,20.4,Bull,18.0,4.44,2.4,111,50,78,64,false,Buy,Add to core equity +1%,8,10,BrokerD,MKT,96,None,None,Normal monitoring,41,-15,38,4,false,Tax-aware sells next window
P3685,Systematic,401k,USD,2025-02-25,943270,47060,896210,1.0,59.2,32.8,1.2,6.8,BND:22.0%;AMZN:8.7%;AAPL:22.0%;VOO:7.4%;QQQ:22.0%;IEF:18.0%,US:65.7;EU:15.5;APAC:6.3;EM:12.1;Other:0.4,Value:+0.4;Growth:-0.3;Quality:-1.0;Size:-0.1;Momentum:+0.4;LowVol:-0.8,,5,35,4.3,trailing 8%,125,27.4,Sideways,17.3,4.21,2.3,92,43,71,46,false,NoAction,Within bands; monitor,15,8,BrokerA,LMT,94,None,None,Normal monitoring,60,-30,23,5,false,Tax-aware sells next window
P3686,Opportunistic,Taxable,USD,2024-07-20,688847,58490,630357,1.0,62.1,13.3,19.4,5.2,VOO:33.3%;MSFT:33.3%;QQQ:33.3%,US:72.6;EU:9.5;APAC:6.1;EM:9.6;Other:2.2,Value:-0.4;Growth:+0.3;Quality:+0.3;Size:-0.7;Momentum:-0.1;LowVol:+0.6,,8,25,5.0,trailing 7%,263,32.5,Volatile,25.8,3.57,3.5,155,42,65,73,true,Rebalance,Rebalance back to target bands,5,-28,BrokerD,VWAP,99,VAR>budget,TightenStops,Risk above budget threshold,42,-13,96,2,false,Increase defensive factor exposure
P3687,Systematic,Roth,USD,2025-09-14,983794,71103,912691,1.0,61.6,30.7,0.0,7.7,TSLA:22.9%;TLT:22.9%;AAPL:13.1%;VOO:18.1%;VTI:22.9%,US:73.8;EU:14.4;APAC:5.0;EM:4.9;Other:1.8,Value:-0.0;Growth:+0.3;Quality:+0.1;Size:+0.1;Momentum:+0.3;LowVol:+0.1,,6,25,4.9,trailing 8%,221,16.2,Bear,31.5,3.73,1.9,188,-30,45,75,true,Hedge,Buy index puts 1% notional,23,0,BrokerC,MKT,95,Drift>tolerance,Hedge,Allocation drift beyond policy bands,27,-45,37,4,false,Tighten stops on momentum names
P3688,Cautious,Roth,USD,2025-01-02,614929,52023,562906,1.0,36.0,39.6,6.5,18.0,AAPL:25.0%;BND:25.0%;GLD:25.0%;MUB:25.0%,US:71.4;EU:9.3;APAC:9.1;EM:7.1;Other:3.1,Value:-0.8;Growth:-0.6;Quality:-0.6;Size:-0.7;Momentum:+0.4;LowVol:-0.7,MaxPos6%;NoMargin,8,30,5.8,trailing 8%,104,16.5,Volatile,25.6,4.08,3.9,148,73,100,50,false,Rebalance,Shift +1% to bonds from equity,7,-24,BrokerD,VWAP,92,None,None,Normal monitoring,50,-22,163,3,false,Within IPS guidelines
P3689,Active,Trust,USD,2025-02-06,1312259,113748,1198511,1.0,51.4,28.3,12.1,8.2,VTI:33.6%;AMZN:32.8%;TSLA:33.6%,US:72.6;EU:10.4;APAC:6.3;EM:9.1;Other:1.5,Value:-0.2;Growth:+0.3;Quality:+0.4;Size:+0.8;Momentum:+0.8;LowVol:+0.9,NoDerivatives,7,35,4.3,trailing 8%,143,25.1,Volatile,26.3,4.05,3.1,178,-43,21,67,false,Hedge,Add TLT +1% as duration hedge,9,7,BrokerB,VWAP,89,None,None,Normal monitoring,50,14,173,5,false,Monitor dispersion and breadth
P3690,Active,Trust,USD,2025-11-03,849681,55620,794061,1.0,63.0,23.5,8.0,5.5,MUB:33.3%;BRK.B:33.4%;AMZN:33.4%,US:61.4;EU:10.4;APAC:13.9;EM:10.2;Other:4.2,Value:-0.3;Growth:0.0;Quality:+1.0;Size:+0.9;Momentum:-0.9;LowVol:-0.8,,8,30,5.0,hard 12%,221,22.5,Bear,27.4,4.41,1.4,202,-45,15,81,true,Hedge,Buy index puts 1% notional,7,-26,BrokerC,VWAP,85,Drift>tolerance,Hedge,Allocation drift beyond policy bands,24,-21,141,4,false,Tighten stops on momentum names
P3691,Cautious,Roth,USD,2025-03-19,405814,50055,355759,1.0,50.1,33.2,0.0,16.7,TSLA:33.3%;MSFT:33.3%;BND:33.3%,US:70.2;EU:10.8;APAC:6.0;EM:9.9;Other:3.1,Value:+0.1;Growth:+0.7;Quality:+0.1;Size:+0.9;Momentum:-0.9;LowVol:+0.7,NoMargin,6,30,4.7,hard 10%,153,12.2,Sideways,17.1,4.72,3.2,119,2,42,43,false,Buy,Add to core equity +1%,19,10,BrokerC,LMT,93,None,None,Normal monitoring,62,-7,187,5,false,Within IPS guidelines
P3692,Cautious,Trust,USD,2024-09-23,698697,92458,606239,1.0,48.6,39.4,0.0,11.9,AMZN:23.3%;HYG:9.2%;XLF:20.5%;MSFT:10.4%;VNQ:13.3%;GLD:23.3%,US:66.4;EU:12.3;APAC:11.6;EM:4.5;Other:5.2,Value:+0.3;Growth:-0.5;Quality:+0.8;Size:+0.7;Momentum:-0.9;LowVol:+0.8,ESGOnly;NoMargin,8,25,3.8,trailing 8%,165,13.4,Bull,16.7,3.73,2.6,83,88,100,52,false,Buy,Add to core equity +1%,32,10,BrokerC,LMT,91,None,None,Normal monitoring,33,-14,2,4,false,Tax-aware sells next window
P3693,Hands-off,401k,USD,2024-09-30,800405,57650,742755,1.0,69.3,20.9,0.0,9.8,HYG:26.6%;BRK.B:20.2%;IEF:26.6%;AMZN:26.6%,US:64.6;EU:16.2;APAC:11.0;EM:4.8;Other:3.4,Value:+0.6;Growth:-0.3;Quality:+0.4;Size:+0.4;Momentum:+0.8;LowVol:+0.6,ESGOnly;NoDerivatives,10,30,4.4,trailing 10%,142,18.0,Sideways,15.3,3.65,3.3,98,51,76,60,false,Rebalance,Shift +1% to bonds from equity,-2,-29,BrokerC,MKT,98,None,None,Normal monitoring,40,-27,38,4,false,Increase defensive factor exposure
P3694,Cautious,IRA,USD,2024-12-08,245819,21067,224752,1.0,44.5,42.2,0.0,13.4,IEF:9.8%;BRK.B:11.3%;XLF:19.8%;VOO:19.2%;VTI:17.4%;VNQ:22.4%,US:59.1;EU:16.9;APAC:13.0;EM:8.0;Other:3.0,Value:-0.2;Growth:-0.3;Quality:-1.0;Size:-0.2;Momentum:-0.3;LowVol:+0.2,NoDerivatives;NoMargin,10,25,4.5,hard 10%,162,18.3,Volatile,24.0,4.45,2.6,179,72,71,48,false,Hedge,Add TLT +1% as duration hedge,-2,-5,BrokerB,LMT,85,None,None,Normal monitoring,-17,-36,43,4,false,Within IPS guidelines
P3695,Active,401k,USD,2025-04-20,2027666,221441,1806225,1.0,61.4,27.4,4.0,7.2,VTI:16.9%;XLF:6.2%;BND:20.0%;AAPL:21.1%;TSLA:21.1%;HYG:14.6%,US:68.6;EU:8.3;APAC:12.8;EM:9.9;Other:0.3,Value:-0.1;Growth:+1.0;Quality:-0.3;Size:-0.5;Momentum:-0.6;LowVol:-0.5,NoDerivatives,8,30,4.6,trailing 8%,208,17.6,Volatile,26.3,4.58,2.1,144,70,77,66,false,Rebalance,Shift +1% to bonds from equity,-4,-32,BrokerB,MKT,91,None,None,Normal monitoring,-39,-47,-72,5,false,Tax-aware sells next window
P3696,Active,Taxable,USD,2025-12-24,782029,52421,729608,1.12,61.0,22.1,11.3,5.6,QQQ:14.9%;GLD:25.5%;AMZN:17.7%;MUB:16.4%;VNQ:25.5%,US:58.9;EU:18.4;APAC:11.4;EM:7.7;Other:3.5,Value:+0.1;Growth:-1.0;Quality:-0.9;Size:+0.2;Momentum:-0.5;LowVol:+0.3,,7,35,4.2,trailing 8%,217,25.9,Sideways,15.5,4.08,3.3,126,48,70,41,false,Rebalance,Shift +1% to bonds from equity,-10,7,BrokerD,MKT,99,None,None,Normal monitoring,3,-41,133,4,false,Tighten stops on momentum names
P3697,Hands-off,Roth,USD,2025-12-24,740932,48109,692823,1.0,60.2,20.1,10.2,9.6,HYG:20.9%;TSLA:16.9%;VOO:20.9%;MUB:12.0%;AMZN:11.0%;QQQ:18.2%,US:66.8;EU:8.8;APAC:12.8;EM:6.6;Other:4.9,Value:-0.1;Growth:+0.4;Quality:-0.6;Size:+0.2;Momentum:+0.2;LowVol:-0.9,ESGOnly,7,35,4.7,hard 10%,168,15.0,Bear,24.4,4.03,1.9,167,-26,43,62,false,NoAction,Within bands; monitor,2,-8,BrokerD,MKT,0,None,None,Normal monitoring,73,-54,206,5,false,Tax-aware sells next window
P3698,Active,IRA,USD,2025-07-13,1761539,170706,1590833,1.0,62.5,28.3,0.0,9.2,VOO:20.6%;BND:16.0%;XLF:21.1%;TLT:10.1%;IEF:11.1%;BRK.B:21.1%,US:63.4;EU:15.1;APAC:9.0;EM:11.7;Other:0.9,Value:+0.3;Growth:+0.6;Quality:-0.6;Size:-0.3;Momentum:+0.6;LowVol:+0.1,,8,35,5.5,hard 12%,178,17.4,Bear,22.9,3.26,2.7,131,-104,5,68,false,NoAction,Within bands; monitor,-12,-14,BrokerB,LMT,94,None,None,Normal monitoring,76,-24,214,3,false,Tighten stops on momentum names
P3699,Systematic,Roth,USD,2025-11-11,721554,67674,653880,1.0,63.9,21.7,6.0,8.3,HYG:10.2%;VNQ:21.5%;MUB:21.3%;TLT:12.0%;VTI:13.5%;XLF:21.5%,US:62.7;EU:11.0;APAC:10.7;EM:12.0;Other:3.5,Value:+0.6;Growth:+0.7;Quality:+0.5;Size:+0.5;Momentum:+0.6;LowVol:-0.8,MaxPos7%,10,25,5.0,trailing 9%,218,19.8,Volatile,30.8,4.04,4.4,137,0,46,88,true,Reduce,"Cut high-beta by 2-3%, add cash",-7,-27,BrokerA,MKT,94,Drift>tolerance,Pause,Allocation drift beyond policy bands,83,-34,96,2,true,Monitor dispersion and breadth
P3700,Opportunistic,401k,USD,2025-07-31,944635,63235,881400,1.0,73.6,14.3,6.3,5.8,HYG:18.0%;TLT:9.0%;BND:20.0%;GLD:19.4%;BRK.B:19.2%;VNQ:14.3%,US:72.2;EU:15.9;APAC:8.5;EM:2.9;Other:0.5,Value:-0.9;Growth:-0.3;Quality:-0.3;Size:-0.2;Momentum:-0.2;LowVol:-0.9,,6,25,5.4,hard 12%,255,23.9,Volatile,27.7,4.1,4.0,161,-42,44,82,true,Hedge,Buy index puts 1% notional,6,-15,BrokerD,LMT,97,VAR>budget,Reduce,Risk above budget threshold,74,15,164,5,false,Tighten stops on momentum names
P3701,Opportunistic,401k,USD,2025-02-06,1614468,98259,1516209,1.0,76.0,10.7,7.3,6.1,BND:33.3%;VTI:33.3%;BRK.B:33.3%,US:74.0;EU:6.9;APAC:9.8;EM:7.0;Other:2.3,Value:-0.5;Growth:+0.4;Quality:+0.1;Size:-0.8;Momentum:-0.6;LowVol:-0.5,,10,30,6.9,trailing 7%,278,29.3,Bull,16.7,4.0,2.5,107,7,49,69,false,NoAction,Within bands; monitor,10,7,BrokerB,MKT,0,None,None,Normal monitoring,78,-13,114,5,false,Tighten stops on momentum names
P3702,Systematic,Taxable,USD,2025-06-10,493239,41961,451278,1.0,60.5,21.5,8.5,9.5,TSLA:28.2%;AAPL:15.3%;AMZN:28.2%;QQQ:28.2%,US:59.1;EU:15.3;APAC:11.3;EM:10.9;Other:3.5,Value:-0.2;Growth:+0.3;Quality:-0.7;Size:+0.3;Momentum:+0.5;LowVol:-0.7,NoDerivatives,7,25,5.3,hard 12%,162,16.9,Bull,16.2,4.2,3.5,94,116,100,45,false,Buy,Add to core equity +1%,12,-14,BrokerC,LMT,96,None,None,Normal monitoring,58,-30,22,3,false,Within IPS guidelines
P3703,Opportunistic,Trust,USD,2024-12-03,1432219,47513,1384706,1.0,76.2,16.9,0.0,6.9,TSLA:12.0%;MSFT:22.3%;VNQ:8.0%;BND:22.3%;QQQ:22.3%;BRK.B:13.2%,US:66.4;EU:11.0;APAC:10.6;EM:8.4;Other:3.5,Value:-0.2;Growth:-0.8;Quality:+0.5;Size:-0.5;Momentum:-0.7;LowVol:-0.3,MaxPos5%,7,30,5.5,trailing 7%,162,23.5,Bull,13.9,3.73,2.2,119,28,65,48,false,Rebalance,Shift +1% to bonds from equity,4,12,BrokerA,VWAP,99,None,None,Normal monitoring,-38,-52,-41,3,false,Tighten stops on momentum names
P3704,Systematic,Trust,USD,2025-07-14,756185,72926,683259,1.0,60.1,21.4,11.0,7.5,XLF:21.9%;VNQ:21.9%;BRK.B:19.2%;BND:15.2%;QQQ:21.9%,US:67.4;EU:16.9;APAC:9.4;EM:4.6;Other:1.7,Value:-1.0;Growth:-0.9;Quality:-0.4;Size:-0.1;Momentum:+0.3;LowVol:+0.3,,6,30,4.8,trailing 8%,180,24.5,Bull,12.8,3.94,2.9,86,61,70,51,false,Rebalance,Shift +1% to bonds from equity,0,-40,BrokerA,MKT,93,None,None,Normal monitoring,119,-53,256,3,false,Tighten stops on momentum names
P3705,Active,Roth,USD,2025-04-11,827465,74878,752587,1.0,68.0,26.5,0.0,5.5,QQQ:28.9%;VOO:28.9%;VNQ:13.3%;MUB:28.9%,US:57.8;EU:19.1;APAC:10.6;EM:10.4;Other:2.1,Value:+0.3;Growth:-0.1;Quality:-0.2;Size:+0.4;Momentum:+0.7;LowVol:+0.1,MaxPos5%;NoDerivatives,10,30,5.1,trailing 8%,128,22.1,Bear,22.2,3.87,2.4,218,-22,24,60,false,Sell,Trim extended winner -1%,12,11,BrokerC,LMT,100,None,None,Normal monitoring,35,-32,94,5,false,Increase defensive factor exposure
P3706,Active,Trust,USD,2025-07-03,1247859,107782,1140077,1.0,52.8,19.1,23.0,5.1,TSLA:14.8%;TLT:20.9%;XLF:10.6%;HYG:20.9%;QQQ:15.0%;AMZN:18.0%,US:71.4;EU:6.3;APAC:7.5;EM:12.4;Other:2.5,Value:+0.8;Growth:+0.6;Quality:-0.3;Size:-0.4;Momentum:+0.9;LowVol:+0.2,,7,30,5.6,trailing 9%,160,26.1,Volatile,20.6,5.35,2.2,147,58,66,49,true,Hedge,Buy index puts 1% notional,31,15,BrokerC,MKT,94,Drift>tolerance,Reduce,Allocation drift beyond policy bands,9,-5,73,5,false,Increase defensive factor exposure
P3707,Cautious,401k,USD,2025-09-17,167319,24365,142954,1.0,45.9,39.5,0.0,14.6,VTI:25.5%;VOO:25.5%;BND:25.5%;XLF:23.5%,US:73.9;EU:6.6;APAC:7.3;EM:8.9;Other:3.3,Value:-0.3;Growth:+0.4;Quality:-0.8;Size:+0.5;Momentum:+0.2;LowVol:+1.0,ESGOnly;NoMargin,6,25,4.8,trailing 10%,93,12.2,Bull,16.5,4.57,2.8,90,116,100,30,false,Sell,Trim extended winner -1%,-12,-14,BrokerC,MKT,86,None,None,Normal monitoring,22,-33,89,4,false,Tax-aware sells next window
P3708,Hands-off,Roth,USD,2024-11-01,331461,14222,317239,1.0,70.4,23.3,0.0,6.3,XLF:33.3%;AAPL:33.3%;TSLA:33.3%,US:71.3;EU:12.6;APAC:12.0;EM:4.1;Other:0.1,Value:-0.6;Growth:+0.5;Quality:-0.1;Size:+0.1;Momentum:+0.7;LowVol:-0.7,ESGOnly;MaxPos8%,10,25,3.2,trailing 8%,169,13.3,Volatile,24.9,4.21,3.7,144,80,98,78,true,Hedge,Buy index puts 1% notional,-7,14,BrokerA,LMT,90,VAR>budget,TightenStops,Risk above budget threshold,88,5,217,4,false,Increase defensive factor exposure
P3709,Opportunistic,401k,USD,2024-09-28,956986,59844,897142,1.0,73.0,18.6,1.9,6.4,VNQ:20.9%;IEF:20.9%;AMZN:17.0%;VOO:9.2%;BRK.B:17.3%;TSLA:14.8%,US:65.5;EU:16.2;APAC:14.0;EM:3.8;Other:0.5,Value:+0.1;Growth:-0.8;Quality:+0.9;Size:+0.8;Momentum:-0.8;LowVol:-0.2,MaxPos8%;NoDerivatives,6,35,6.7,trailing 7%,199,20.5,Volatile,28.4,5.08,4.5,163,-53,30,73,true,Hedge,Buy index puts 1% notional,2,-1,BrokerA,MKT,97,VAR>budget,Pause,Risk above budget threshold,21,-26,155,3,false,Within IPS guidelines
P3710,Active,Trust,USD,2025-07-06,1840452,167456,1672996,1.0,51.5,18.7,21.5,8.2,VNQ:21.8%;BRK.B:21.8%;AMZN:21.8%;HYG:12.8%;GLD:21.8%,US:71.0;EU:10.9;APAC:10.8;EM:6.3;Other:0.9,Value:-0.7;Growth:-0.4;Quality:-0.3;Size:+0.6;Momentum:+0.8;LowVol:+0.2,MaxPos8%,7,30,5.6,trailing 8%,158,25.4,Bull,13.1,4.53,3.4,82,97,100,45,false,NoAction,Within bands; monitor,-14,-17,BrokerB,MKT,0,None,None,Normal monitoring,58,-35,100,5,false,Monitor dispersion and breadth
P3711,Hands-off,401k,USD,2025-02-10,865927,48618,817309,1.0,72.7,18.5,0.0,8.8,MUB:28.5%;MSFT:14.5%;BND:28.5%;VTI:28.5%,US:70.4;EU:9.3;APAC:6.2;EM:12.0;Other:2.0,Value:+0.9;Growth:+0.3;Quality:+0.8;Size:+0.5;Momentum:-0.4;LowVol:+0.2,,7,35,3.2,trailing 10%,93,15.2,Bull,11.9,3.72,3.0,72,89,90,54,false,Buy,Add to core equity +1%,-10,-26,BrokerB,LMT,89,None,None,Normal monitoring,101,-8,95,4,false,Increase defensive factor exposure
P3712,Hands-off,401k,USD,2025-01-07,154862,6303,148559,1.0,55.4,27.8,7.2,9.6,QQQ:25.2%;AAPL:25.2%;BND:25.2%;VOO:24.3%,US:74.3;EU:9.4;APAC:7.2;EM:4.9;Other:4.2,Value:+0.9;Growth:+0.8;Quality:+0.1;Size:-0.5;Momentum:+0.2;LowVol:+0.3,ESGOnly;NoDerivatives,5,25,5.2,trailing 10%,151,15.1,Volatile,27.4,4.17,2.7,175,79,84,62,true,Hedge,Buy index puts 1% notional,17,-31,BrokerC,VWAP,91,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-9,-24,-28,5,false,Tax-aware sells next window
P3713,Hands-off,Trust,USD,2024-11-24,375633,24481,351152,1.0,70.8,21.0,0.0,8.2,HYG:21.5%;BRK.B:10.5%;TSLA:19.3%;TLT:21.5%;VNQ:14.4%;QQQ:12.8%,US:68.6;EU:8.4;APAC:16.7;EM:4.7;Other:1.6,Value:-0.9;Growth:-0.0;Quality:-0.5;Size:+0.3;Momentum:+0.3;LowVol:+0.7,MaxPos6%,7,30,3.9,trailing 8%,93,18.7,Bear,31.2,4.14,1.7,192,21,66,80,true,Hedge,Buy index puts 1% notional,3,15,BrokerB,MKT,88,Drift>tolerance,Reduce,Allocation drift beyond policy bands,33,19,71,4,false,Tighten stops on momentum names
P3714,Active,Taxable,USD,2025-01-14,542427,58774,483653,1.0,62.8,22.1,9.7,5.5,TSLA:16.9%;TLT:10.4%;AMZN:18.3%;IEF:20.3%;VOO:19.0%;GLD:15.1%,US:82.2;EU:6.0;APAC:6.7;EM:3.5;Other:1.5,Value:+0.7;Growth:0.0;Quality:-0.3;Size:-0.7;Momentum:+0.1;LowVol:-0.1,MaxPos6%,10,25,4.0,trailing 8%,123,27.8,Bull,13.1,4.66,2.2,72,0,43,52,false,Buy,Add to core equity +1%,-14,-24,BrokerB,VWAP,95,None,None,Normal monitoring,58,-44,23,3,false,Tax-aware sells next window
P3715,Active,IRA,USD,2025-01-16,1678092,125120,1552972,1.0,63.2,24.6,6.4,5.8,MSFT:10.7%;AAPL:25.7%;TLT:25.7%;XLF:25.7%;MUB:12.0%,US:70.6;EU:9.0;APAC:11.4;EM:5.7;Other:3.4,Value:+0.5;Growth:+0.2;Quality:+0.3;Size:+0.3;Momentum:-0.9;LowVol:-1.0,,6,35,4.1,trailing 9%,136,19.3,Volatile,29.3,4.45,4.0,158,7,47,84,true,Hedge,Buy index puts 1% notional,3,6,BrokerC,MKT,100,VAR>budget,Reduce,Risk above budget threshold,-50,-52,78,5,false,Monitor dispersion and breadth
P3716,Cautious,Taxable,USD,2025-02-19,154068,21197,132871,1.0,43.8,35.1,10.2,10.8,TSLA:33.3%;MSFT:33.3%;BRK.B:33.3%,US:74.6;EU:8.2;APAC:8.7;EM:5.1;Other:3.3,Value:+0.3;Growth:+0.7;Quality:-0.2;Size:-0.5;Momentum:-0.6;LowVol:-0.2,NoMargin,8,30,4.8,trailing 8%,107,19.7,Volatile,30.8,3.82,3.8,139,-56,32,69,false,Sell,Trim extended winner -1%,8,1,BrokerC,VWAP,92,None,None,Normal monitoring,-15,1,75,4,false,Tighten stops on momentum names
P3717,Hands-off,Taxable,USD,2025-07-05,572041,43928,528113,1.0,56.7,19.2,14.5,9.7,IEF:21.1%;TLT:10.9%;MSFT:11.1%;BRK.B:21.1%;VTI:20.2%;AAPL:15.6%,US:66.3;EU:10.4;APAC:8.0;EM:12.6;Other:2.7,Value:+0.7;Growth:+0.9;Quality:-0.6;Size:+0.9;Momentum:+0.3;LowVol:+0.3,ESGOnly;MaxPos6%;NoDerivatives,7,30,5.9,trailing 8%,128,18.9,Volatile,20.6,4.5,2.1,122,-20,27,61,true,Rebalance,Rebalance back to target bands,18,-37,BrokerB,MKT,94,RegimeShift,Hedge,Volatility spike and breadth deterioration,51,-36,17,3,false,Increase defensive factor exposure
P3718,Opportunistic,401k,USD,2025-01-19,1207560,84926,1122634,1.0,61.2,18.5,15.4,4.9,IEF:24.0%;QQQ:11.3%;BND:24.0%;VNQ:16.6%;AMZN:24.0%,US:58.2;EU:19.0;APAC:12.4;EM:9.7;Other:0.7,Value:+0.2;Growth:+0.3;Quality:-0.7;Size:-0.2;Momentum:+0.6;LowVol:-0.1,,5,30,5.8,trailing 9%,173,34.8,Bull,17.7,3.67,2.6,84,88,96,51,false,Rebalance,Shift +1% to bonds from equity,14,-8,BrokerC,VWAP,97,None,None,Normal monitoring,106,-11,135,5,false,Tighten stops on momentum names
P3719,Hands-off,Trust,USD,2025-09-24,376157,33720,342437,1.0,62.9,25.2,3.2,8.8,BRK.B:34.1%;MSFT:34.1%;VNQ:31.9%,US:73.2;EU:11.2;APAC:6.5;EM:8.1;Other:1.0,Value:-0.5;Growth:+0.8;Quality:+0.7;Size:-0.0;Momentum:-0.3;LowVol:+0.9,ESGOnly;MaxPos7%,10,30,4.7,hard 10%,162,12.5,Volatile,25.7,3.57,2.6,118,16,68,72,true,Hedge,Buy index puts 1% notional,6,0,BrokerB,MKT,97,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,62,-16,198,3,false,Monitor dispersion and breadth
P3720,Cautious,401k,USD,2024-12-28,575709,51112,524597,1.0,51.9,35.0,0.5,12.6,AAPL:20.2%;IEF:19.9%;GLD:23.6%;VNQ:12.7%;TLT:23.6%,US:76.1;EU:7.3;APAC:8.1;EM:5.1;Other:3.4,Value:-0.6;Growth:-0.5;Quality:-0.5;Size:+0.1;Momentum:+0.5;LowVol:-0.8,ESGOnly;NoMargin,7,30,3.5,trailing 8%,113,17.0,Bear,22.6,3.87,1.7,174,-98,5,52,false,Rebalance,Shift +1% to bonds from equity,9,-9,BrokerD,VWAP,92,None,None,Normal monitoring,41,-33,120,4,false,Monitor dispersion and breadth
P3721,Active,IRA,USD,2025-09-06,1817403,163712,1653691,1.0,66.7,25.0,2.0,6.3,QQQ:17.3%;VTI:20.3%;VOO:24.2%;XLF:24.2%;VNQ:13.9%,US:70.9;EU:7.2;APAC:11.7;EM:7.8;Other:2.4,Value:+0.9;Growth:-0.3;Quality:+0.2;Size:+0.6;Momentum:+0.6;LowVol:-0.2,,5,30,4.8,trailing 8%,158,26.3,Bear,26.1,4.27,2.3,206,-53,33,75,true,Reduce,"Cut high-beta by 2-3%, add cash",28,-7,BrokerA,MKT,85,VAR>budget,Reduce,Risk above budget threshold,28,-25,161,5,false,Increase defensive factor exposure
P3722,Active,401k,USD,2025-07-19,855421,85879,769542,1.0,50.7,26.7,13.5,9.1,MUB:25.6%;AAPL:22.9%;HYG:27.3%;BRK.B:24.1%,US:77.0;EU:5.3;APAC:8.5;EM:4.5;Other:4.6,Value:+0.3;Growth:+0.4;Quality:+0.5;Size:-0.5;Momentum:0.0;LowVol:0.0,,10,35,4.8,hard 12%,215,27.3,Volatile,28.2,4.25,2.6,141,42,77,75,true,Rebalance,Rebalance back to target bands,16,-19,BrokerD,LMT,90,RegimeShift,Hedge,Volatility spike and breadth deterioration,27,-19,64,4,false,Increase defensive factor exposure
P3723,Hands-off,Roth,USD,2025-11-19,686466,36709,649757,1.0,56.1,27.5,10.2,6.2,AAPL:27.6%;BRK.B:17.1%;BND:27.6%;AMZN:27.6%,US:66.2;EU:14.0;APAC:13.1;EM:5.1;Other:1.6,Value:+0.8;Growth:+0.9;Quality:+0.8;Size:-0.7;Momentum:+0.4;LowVol:+0.6,MaxPos5%,10,30,3.3,trailing 8%,110,19.6,Bull,15.1,3.53,2.6,72,75,72,34,false,Sell,Trim extended winner -1%,15,-4,BrokerA,LMT,85,None,None,Normal monitoring,-26,-35,23,5,false,Within IPS guidelines
P3724,Opportunistic,401k,USD,2025-06-08,1401417,58822,1342595,1.05,65.7,10.3,17.9,6.0,BND:16.4%;XLF:16.3%;MUB:27.2%;TLT:27.2%;QQQ:12.8%,US:69.7;EU:11.8;APAC:8.3;EM:9.2;Other:1.0,Value:+0.5;Growth:-0.5;Quality:+0.5;Size:-0.9;Momentum:+0.6;LowVol:+0.8,,10,30,4.8,trailing 9%,174,27.3,Bear,23.5,3.01,2.1,154,-60,9,60,false,Buy,Add to core equity +1%,-7,-11,BrokerD,MKT,92,None,None,Normal monitoring,56,2,73,4,false,Tax-aware sells next window
P3725,Cautious,401k,USD,2024-08-21,799365,75137,724228,1.0,52.2,38.0,0.0,9.7,HYG:25.5%;MSFT:25.5%;VTI:23.5%;BND:25.5%,US:60.7;EU:17.2;APAC:9.1;EM:10.0;Other:3.0,Value:-0.6;Growth:-0.8;Quality:-0.0;Size:-0.1;Momentum:-0.1;LowVol:-1.0,ESGOnly;NoDerivatives;NoMargin,8,30,5.0,trailing 10%,169,13.7,Bull,15.6,4.72,2.0,81,8,46,46,false,Rebalance,Shift +1% to bonds from equity,-5,0,BrokerB,MKT,94,None,None,Normal monitoring,92,-50,192,5,false,Tax-aware sells next window
P3726,Systematic,Trust,USD,2025-09-23,1917180,183881,1733299,1.0,67.6,21.4,3.1,8.0,IEF:20.4%;VOO:26.2%;MUB:26.7%;BND:26.7%,US:69.7;EU:13.8;APAC:9.8;EM:4.1;Other:2.5,Value:+0.6;Growth:-0.3;Quality:+0.9;Size:-0.5;Momentum:-0.1;LowVol:+0.1,,7,35,4.6,hard 12%,220,18.5,Bull,14.5,4.77,2.3,101,54,72,48,false,Sell,Trim extended winner -1%,21,-6,BrokerA,VWAP,94,None,None,Normal monitoring,63,-28,168,5,false,Tax-aware sells next window
P3727,Hands-off,Roth,USD,2025-06-29,471146,25029,446117,1.0,73.7,15.9,2.8,7.6,XLF:20.4%;QQQ:17.8%;BRK.B:15.1%;MUB:20.6%;IEF:14.5%;AMZN:11.6%,US:59.7;EU:17.2;APAC:12.1;EM:8.3;Other:2.7,Value:-0.6;Growth:+0.3;Quality:0.0;Size:-0.7;Momentum:+0.5;LowVol:+0.3,ESGOnly;MaxPos8%;NoDerivatives,6,25,4.9,hard 10%,109,16.9,Bull,13.7,3.87,3.2,107,56,66,45,false,Sell,Trim extended winner -1%,34,10,BrokerD,MKT,86,None,None,Normal monitoring,-6,5,38,3,false,Tighten stops on momentum names
P3728,Active,Roth,USD,2025-11-02,773612,91589,682023,1.0,63.5,30.9,0.0,5.6,BRK.B:9.5%;BND:16.0%;MUB:21.4%;GLD:21.4%;HYG:21.4%;IEF:10.1%,US:72.5;EU:10.9;APAC:10.0;EM:5.9;Other:0.7,Value:0.0;Growth:+0.6;Quality:-0.6;Size:+0.4;Momentum:+0.5;LowVol:+0.7,NoDerivatives,10,35,5.9,trailing 8%,172,24.6,Sideways,19.2,3.6,2.1,92,12,67,61,false,Buy,Add to core equity +1%,19,0,BrokerD,LMT,98,None,None,Normal monitoring,100,-11,154,4,false,Increase defensive factor exposure
P3729,Hands-off,Roth,USD,2024-11-27,577471,44172,533299,1.0,65.2,18.2,7.8,8.8,VTI:8.3%;MSFT:8.8%;HYG:16.4%;XLF:22.3%;GLD:21.9%;MUB:22.3%,US:79.2;EU:5.3;APAC:9.9;EM:4.8;Other:0.8,Value:-0.9;Growth:+0.3;Quality:+0.4;Size:-0.7;Momentum:-1.0;LowVol:+0.2,ESGOnly;MaxPos8%,5,30,5.0,hard 10%,130,14.9,Bull,16.0,3.57,2.9,91,115,100,49,true,Hedge,Buy index puts 1% notional,-1,5,BrokerD,VWAP,90,RegimeShift,Hedge,Volatility spike and breadth deterioration,-5,11,27,2,false,Monitor dispersion and breadth
P3730,Opportunistic,Taxable,USD,2025-06-26,1130572,82519,1048053,1.0,66.0,15.0,11.0,7.9,TSLA:33.3%;VOO:33.3%;MUB:33.3%,US:64.0;EU:12.1;APAC:10.2;EM:11.2;Other:2.4,Value:-0.9;Growth:+0.2;Quality:+0.8;Size:+0.6;Momentum:-0.7;LowVol:-0.3,,5,30,5.1,trailing 7%,209,21.9,Sideways,18.5,4.78,3.0,91,14,47,56,true,Hedge,Buy index puts 1% notional,0,-36,BrokerD,MKT,97,RegimeShift,Hedge,Volatility spike and breadth deterioration,-15,-49,75,2,false,Monitor dispersion and breadth
P3731,Opportunistic,Roth,USD,2025-09-01,910942,62575,848367,1.0,64.6,16.4,10.7,8.3,GLD:33.3%;BND:33.3%;IEF:33.3%,US:61.3;EU:11.2;APAC:12.4;EM:13.3;Other:1.9,Value:+0.3;Growth:-0.7;Quality:-0.2;Size:+0.8;Momentum:+0.1;LowVol:-1.0,MaxPos7%,8,30,4.6,trailing 9%,213,31.9,Volatile,24.1,4.65,2.4,150,-4,50,73,true,Hedge,Buy index puts 1% notional,7,-24,BrokerC,MKT,96,VAR>budget,TightenStops,Risk above budget threshold,62,4,43,5,false,Tax-aware sells next window
P3732,Opportunistic,Roth,USD,2024-11-09,437494,27717,409777,1.0,66.8,21.3,3.5,8.4,TSLA:9.4%;TLT:21.0%;VOO:21.0%;HYG:19.8%;AMZN:7.7%;VNQ:21.0%,US:67.4;EU:11.6;APAC:14.2;EM:4.9;Other:1.9,Value:+0.4;Growth:+0.4;Quality:-0.8;Size:+0.9;Momentum:-0.8;LowVol:-0.8,,6,25,6.2,trailing 9%,161,22.1,Bear,27.0,4.18,1.6,139,-40,28,67,false,Sell,Trim extended winner -1%,29,-5,BrokerB,MKT,92,None,None,Normal monitoring,-33,-25,21,4,false,Increase defensive factor exposure
P3733,Active,Trust,USD,2024-11-03,1084491,67159,1017332,1.0,66.9,27.2,0.0,5.9,QQQ:33.3%;MUB:33.3%;XLF:33.3%,US:64.4;EU:6.0;APAC:16.4;EM:7.6;Other:5.5,Value:+0.7;Growth:-0.7;Quality:-0.4;Size:-0.4;Momentum:+0.7;LowVol:+0.2,NoDerivatives,10,35,5.3,trailing 8%,143,18.0,Sideways,19.6,4.44,3.4,112,57,86,65,false,Buy,Add to core equity +1%,8,7,BrokerC,LMT,92,None,None,Normal monitoring,-60,-55,-9,3,false,Within IPS guidelines
P3734,Systematic,Trust,USD,2024-09-19,1229559,75839,1153720,1.0,55.6,34.2,3.1,7.1,BND:28.2%;MUB:28.2%;MSFT:15.5%;TLT:28.2%,US:61.0;EU:22.4;APAC:12.1;EM:3.8;Other:0.7,Value:+1.0;Growth:+0.6;Quality:+0.9;Size:-0.6;Momentum:+0.7;LowVol:+0.8,MaxPos7%,7,35,4.1,trailing 9%,133,21.7,Bull,15.0,4.89,3.2,107,26,51,41,false,Sell,Trim extended winner -1%,9,-9,BrokerA,MKT,97,None,None,Normal monitoring,-33,-17,94,4,false,Monitor dispersion and breadth
P3735,Hands-off,401k,USD,2025-01-21,887202,41313,845889,1.0,65.6,27.1,0.0,7.3,BRK.B:10.9%;GLD:17.7%;VNQ:23.8%;MUB:23.8%;HYG:23.8%,US:66.5;EU:12.3;APAC:8.6;EM:9.3;Other:3.3,Value:+1.0;Growth:-0.7;Quality:-0.3;Size:+0.4;Momentum:+0.7;LowVol:-0.6,MaxPos5%;NoDerivatives,5,25,4.3,trailing 8%,131,15.3,Volatile,23.0,3.8,2.6,176,58,71,63,false,Sell,Trim extended winner -1%,31,-9,BrokerD,MKT,95,None,None,Normal monitoring,-41,-11,15,5,false,Within IPS guidelines
P3736,Active,401k,USD,2025-08-17,2295632,239846,2055786,1.0,56.1,28.9,7.0,8.0,VTI:22.6%;MSFT:12.4%;IEF:21.0%;HYG:21.3%;QQQ:22.6%,US:70.7;EU:13.8;APAC:4.8;EM:8.8;Other:1.9,Value:-0.3;Growth:-0.2;Quality:-0.1;Size:+1.0;Momentum:+0.7;LowVol:-0.9,MaxPos6%,6,30,5.2,hard 12%,145,23.4,Bear,27.2,3.71,1.3,164,28,59,70,false,Rebalance,Shift +1% to bonds from equity,-6,-6,BrokerD,LMT,98,None,None,Normal monitoring,-23,-2,80,3,false,Monitor dispersion and breadth
P3737,Cautious,401k,USD,2024-12-07,255639,34380,221259,1.0,50.9,37.2,0.0,11.8,QQQ:33.3%;TSLA:33.3%;XLF:33.3%,US:69.6;EU:10.9;APAC:13.5;EM:4.5;Other:1.5,Value:-0.7;Growth:-0.1;Quality:+0.7;Size:+0.6;Momentum:+0.8;LowVol:+0.3,MaxPos7%;NoMargin,5,35,5.2,trailing 8%,137,15.9,Sideways,15.7,4.22,2.7,115,5,59,32,false,Hedge,Add TLT +1% as duration hedge,10,-32,BrokerC,MKT,87,None,None,Normal monitoring,-18,-3,122,3,false,Within IPS guidelines
P3738,Systematic,Trust,USD,2024-12-22,1186493,90814,1095679,1.0,55.4,23.3,12.0,9.3,GLD:36.3%;HYG:27.4%;AMZN:36.3%,US:70.5;EU:11.9;APAC:8.8;EM:8.0;Other:0.8,Value:+0.5;Growth:0.0;Quality:+0.8;Size:+0.9;Momentum:+0.3;LowVol:+0.2,NoDerivatives,8,35,5.9,hard 12%,208,27.9,Sideways,17.7,4.42,2.7,113,2,43,49,false,Sell,Trim extended winner -1%,-5,-23,BrokerB,MKT,85,None,None,Normal monitoring,28,-36,135,5,false,Tighten stops on momentum names
P3739,Opportunistic,IRA,USD,2025-02-14,710102,22061,688041,1.0,69.5,21.9,3.8,4.8,TSLA:13.1%;BND:26.2%;AAPL:20.0%;XLF:14.5%;BRK.B:26.2%,US:73.5;EU:6.5;APAC:11.5;EM:4.7;Other:3.8,Value:+0.1;Growth:+1.0;Quality:0.0;Size:-0.4;Momentum:+0.8;LowVol:-0.5,NoDerivatives,6,25,6.0,trailing 7%,181,32.1,Bull,11.3,3.88,3.2,75,11,52,41,false,Sell,Trim extended winner -1%,25,-14,BrokerB,MKT,98,None,None,Normal monitoring,-2,-44,114,3,false,Within IPS guidelines
P3740,Cautious,IRA,USD,2025-05-16,344070,48038,296032,1.0,43.2,39.3,0.0,17.5,BRK.B:8.4%;MUB:8.6%;TSLA:22.4%;VNQ:22.4%;VTI:22.4%;MSFT:15.8%,US:69.8;EU:12.4;APAC:9.3;EM:5.0;Other:3.4,Value:+0.8;Growth:+0.4;Quality:+0.5;Size:-0.0;Momentum:+0.9;LowVol:-0.6,ESGOnly;NoMargin,5,30,3.2,trailing 8%,151,14.9,Bull,17.7,3.53,2.3,71,45,84,47,false,Buy,Add to core equity +1%,-9,-20,BrokerA,LMT,98,None,None,Normal monitoring,49,0,93,4,false,Tighten stops on momentum names
P3741,Hands-off,IRA,USD,2025-12-08,577723,31962,545761,1.0,65.1,16.8,9.6,8.5,TLT:25.4%;VTI:25.4%;MSFT:23.8%;VOO:25.4%,US:68.4;EU:6.4;APAC:10.7;EM:9.2;Other:5.3,Value:+0.5;Growth:-0.2;Quality:-0.4;Size:+0.3;Momentum:-0.7;LowVol:-0.3,MaxPos8%;NoDerivatives,7,25,3.6,trailing 8%,125,15.5,Sideways,19.9,4.22,2.4,116,51,84,55,false,Rebalance,Shift +1% to bonds from equity,4,-22,BrokerA,MKT,89,None,None,Normal monitoring,13,-5,137,4,false,Within IPS guidelines
P3742,Cautious,Roth,USD,2025-03-15,841390,119071,722319,1.0,40.4,36.8,6.1,16.7,BRK.B:22.2%;AAPL:20.7%;VTI:22.2%;TSLA:12.8%;MUB:22.2%,US:66.5;EU:14.1;APAC:9.2;EM:9.7;Other:0.6,Value:-0.8;Growth:+0.8;Quality:+0.7;Size:-0.9;Momentum:+0.8;LowVol:+0.2,ESGOnly;NoDerivatives;NoMargin,10,35,3.5,hard 10%,147,17.0,Volatile,27.2,3.53,2.7,124,79,77,54,false,Buy,Add to core equity +1%,-1,3,BrokerA,MKT,94,None,None,Normal monitoring,52,-40,173,4,false,Increase defensive factor exposure
P3743,Active,Roth,USD,2025-02-02,657919,61469,596450,1.0,57.7,30.6,3.5,8.1,BND:18.6%;VOO:7.1%;VNQ:16.6%;MSFT:21.9%;VTI:21.9%;GLD:13.8%,US:72.2;EU:9.0;APAC:7.2;EM:9.5;Other:2.1,Value:+0.7;Growth:-0.7;Quality:-0.5;Size:+0.2;Momentum:+0.4;LowVol:-0.6,,6,30,5.8,trailing 8%,147,16.2,Bull,13.5,4.97,3.4,112,19,63,49,false,Hedge,Add TLT +1% as duration hedge,20,13,BrokerC,LMT,92,None,None,Normal monitoring,116,-31,254,3,false,Increase defensive factor exposure
P3744,Hands-off,Roth,USD,2025-11-09,386751,30939,355812,1.0,61.3,23.9,8.3,6.5,MUB:24.4%;AAPL:24.4%;VOO:11.8%;IEF:24.4%;XLF:15.1%,US:64.4;EU:16.3;APAC:12.3;EM:3.8;Other:3.2,Value:-0.9;Growth:-0.0;Quality:-0.7;Size:-0.0;Momentum:-0.1;LowVol:-0.4,ESGOnly;MaxPos5%;NoDerivatives,10,35,4.7,trailing 10%,141,16.5,Volatile,31.7,4.08,4.0,125,1,53,90,true,Hedge,Buy index puts 1% notional,15,-14,BrokerA,MKT,86,Drift>tolerance,Hedge,Allocation drift beyond policy bands,53,-24,190,4,true,Within IPS guidelines
P3745,Systematic,401k,USD,2025-01-05,1289579,75030,1214549,1.0,63.5,27.5,0.0,9.0,MUB:35.0%;BND:35.0%;AMZN:30.0%,US:59.5;EU:18.4;APAC:11.8;EM:7.6;Other:2.7,Value:+0.3;Growth:-0.5;Quality:-0.4;Size:+0.3;Momentum:+0.7;LowVol:+0.2,NoDerivatives,6,30,4.8,trailing 8%,222,24.4,Sideways,16.6,3.94,2.0,135,8,45,45,false,Buy,Add to core equity +1%,5,-11,BrokerD,MKT,96,None,None,Normal monitoring,96,-11,193,3,false,Tax-aware sells next window
P3746,Opportunistic,IRA,USD,2025-09-23,1741955,124046,1617909,1.14,60.7,16.5,17.1,5.8,AMZN:36.6%;MUB:26.8%;GLD:36.6%,US:59.4;EU:18.3;APAC:13.6;EM:7.9;Other:0.8,Value:-0.6;Growth:+0.1;Quality:-0.5;Size:-0.6;Momentum:+0.9;LowVol:-0.5,MaxPos6%,6,35,4.6,hard 12%,247,28.8,Bull,13.5,4.71,2.7,79,90,89,39,false,Sell,Trim extended winner -1%,32,-8,BrokerB,LMT,92,None,None,Normal monitoring,-54,-48,-23,5,false,Within IPS guidelines
P3747,Hands-off,401k,USD,2024-09-05,582960,42628,540332,1.0,68.7,24.2,0.0,7.1,VNQ:24.9%;HYG:20.3%;TLT:16.7%;AMZN:24.9%;BRK.B:13.2%,US:73.4;EU:10.5;APAC:5.0;EM:10.0;Other:1.2,Value:-0.7;Growth:-0.2;Quality:+0.7;Size:-0.9;Momentum:-0.4;LowVol:+1.0,ESGOnly;MaxPos6%,10,35,4.8,trailing 8%,148,12.8,Volatile,22.3,4.88,3.7,159,-49,26,58,false,Sell,Trim extended winner -1%,9,-2,BrokerB,MKT,94,None,None,Normal monitoring,94,-14,99,5,false,Monitor dispersion and breadth
P3748,Systematic,IRA,USD,2025-07-02,583111,42479,540632,1.0,62.9,30.1,0.0,7.0,XLF:25.2%;TSLA:12.3%;VNQ:25.2%;IEF:12.2%;GLD:25.2%,US:72.1;EU:9.4;APAC:6.0;EM:9.7;Other:2.8,Value:-0.4;Growth:+0.9;Quality:+0.7;Size:-0.3;Momentum:+0.5;LowVol:-0.3,,6,25,5.2,trailing 9%,219,26.3,Volatile,30.4,3.96,4.4,150,28,54,86,true,Reduce,"Cut high-beta by 2-3%, add cash",-6,-39,BrokerA,LMT,99,Drift>tolerance,Reduce,Allocation drift beyond policy bands,120,1,209,3,false,Increase defensive factor exposure
P3749,Systematic,Trust,USD,2025-07-03,821720,66336,755384,1.0,62.5,29.5,0.0,8.0,MSFT:26.9%;IEF:26.9%;MUB:26.9%;TSLA:19.4%,US:65.0;EU:17.4;APAC:9.0;EM:7.5;Other:1.2,Value:+0.2;Growth:+0.2;Quality:-0.6;Size:+0.1;Momentum:-0.8;LowVol:-0.6,MaxPos5%,10,25,4.7,trailing 8%,218,16.8,Bull,12.8,4.07,3.1,75,38,64,49,true,Hedge,Buy index puts 1% notional,-9,-32,BrokerA,LMT,91,Drift>tolerance,Pause,Allocation drift beyond policy bands,3,16,38,2,false,Within IPS guidelines
P3750,Cautious,Taxable,USD,2024-08-10,203102,30137,172965,1.0,40.6,42.3,0.0,17.2,IEF:30.1%;HYG:18.5%;VOO:21.3%;MSFT:30.1%,US:68.8;EU:15.7;APAC:9.9;EM:5.6;Other:0.0,Value:+0.8;Growth:-0.1;Quality:+0.4;Size:+0.2;Momentum:-0.4;LowVol:-0.1,MaxPos6%;NoDerivatives;NoMargin,10,30,3.4,trailing 8%,130,17.5,Bull,17.3,3.71,2.2,103,68,85,44,false,Buy,Add to core equity +1%,-11,-25,BrokerD,LMT,94,None,None,Normal monitoring,50,-5,121,5,false,Tighten stops on momentum names
P3751,Opportunistic,IRA,USD,2024-12-26,615232,33841,581391,1.0,64.0,14.8,15.9,5.2,GLD:33.5%;QQQ:33.0%;TLT:33.5%,US:62.8;EU:7.8;APAC:16.7;EM:11.1;Other:1.7,Value:-1.0;Growth:-0.7;Quality:+0.5;Size:-0.4;Momentum:-0.5;LowVol:-0.4,,6,30,4.6,hard 12%,179,34.2,Bear,29.7,3.69,1.3,134,-115,5,87,true,Reduce,"Cut high-beta by 2-3%, add cash",-12,11,BrokerA,LMT,90,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-25,-56,-9,5,false,Tighten stops on momentum names
P3752,Opportunistic,IRA,USD,2024-12-29,441928,22495,419433,1.0,73.1,20.9,0.0,6.0,VNQ:24.8%;TSLA:25.1%;TLT:25.1%;VOO:25.1%,US:76.9;EU:8.8;APAC:5.6;EM:3.7;Other:5.1,Value:-0.4;Growth:+0.9;Quality:-0.4;Size:-0.4;Momentum:+0.9;LowVol:-0.7,MaxPos8%;NoDerivatives,8,25,5.8,hard 12%,242,22.4,Volatile,31.4,4.53,4.3,158,-45,38,85,true,Reduce,"Cut high-beta by 2-3%, add cash",20,-19,BrokerD,LMT,86,VAR>budget,Reduce,Risk above budget threshold,88,-5,140,5,false,Within IPS guidelines
P3753,Hands-off,IRA,USD,2025-03-24,454256,18410,435846,1.0,67.4,24.6,0.0,8.1,TSLA:28.7%;HYG:13.8%;XLF:28.7%;QQQ:28.7%,US:60.8;EU:20.1;APAC:7.1;EM:11.8;Other:0.1,Value:-0.3;Growth:-0.8;Quality:-0.3;Size:+0.7;Momentum:+0.7;LowVol:+0.2,,10,30,5.4,trailing 10%,166,16.2,Bull,16.2,4.81,3.3,101,18,52,61,false,Sell,Trim extended winner -1%,20,-37,BrokerC,LMT,90,None,None,Normal monitoring,87,-35,164,4,false,Tighten stops on momentum names
P3754,Active,Taxable,USD,2025-04-16,1801107,112574,1688533,1.15,53.4,22.1,15.1,9.3,XLF:22.4%;GLD:13.7%;BND:22.4%;BRK.B:22.4%;VOO:19.0%,US:60.4;EU:15.6;APAC:15.1;EM:8.5;Other:0.5,Value:+0.4;Growth:-0.8;Quality:-0.1;Size:-0.6;Momentum:-0.5;LowVol:-0.5,,7,25,4.9,trailing 8%,123,20.6,Volatile,29.8,3.93,2.1,167,-35,46,63,false,Rebalance,Shift +1% to bonds from equity,18,3,BrokerD,LMT,97,None,None,Normal monitoring,74,-25,127,3,false,Monitor dispersion and breadth
P3755,Opportunistic,Roth,USD,2025-10-06,1077086,63014,1014072,1.0,62.1,14.3,14.7,9.0,HYG:22.6%;MSFT:22.6%;GLD:12.3%;AAPL:18.6%;BRK.B:9.5%;TSLA:14.5%,US:70.3;EU:17.0;APAC:6.8;EM:4.8;Other:1.1,Value:+0.6;Growth:+0.9;Quality:-0.9;Size:-0.3;Momentum:+0.7;LowVol:+0.3,MaxPos5%;NoDerivatives,10,30,6.3,hard 12%,270,21.1,Bear,22.5,3.34,1.5,173,-71,14,68,false,Buy,Add to core equity +1%,-8,-25,BrokerA,MKT,100,None,None,Normal monitoring,-21,-4,65,5,false,Within IPS guidelines
P3756,Systematic,IRA,USD,2025-03-09,492616,24399,468217,1.0,62.3,30.6,0.0,7.1,MSFT:23.2%;GLD:15.8%;QQQ:23.2%;AMZN:23.2%;MUB:14.5%,US:68.0;EU:13.2;APAC:5.7;EM:10.4;Other:2.7,Value:+0.6;Growth:-0.2;Quality:-0.4;Size:+0.1;Momentum:+0.6;LowVol:-0.8,,10,25,5.9,trailing 9%,221,21.7,Bear,28.9,4.43,2.5,147,22,64,83,true,Reduce,"Cut high-beta by 2-3%, add cash",20,-5,BrokerD,LMT,88,RegimeShift,Reduce,Volatility spike and breadth deterioration,97,-12,223,4,false,Tighten stops on momentum names
P3757,Systematic,401k,USD,2025-04-16,1230420,85389,1145031,1.0,62.1,22.5,9.1,6.3,MSFT:33.3%;GLD:33.3%;TLT:33.3%,US:69.2;EU:13.3;APAC:6.2;EM:8.2;Other:3.1,Value:+0.1;Growth:-0.7;Quality:-0.5;Size:-0.7;Momentum:-0.5;LowVol:-0.8,,10,30,5.7,hard 12%,177,26.3,Volatile,26.6,4.13,4.3,144,-27,21,62,true,Reduce,"Cut high-beta by 2-3%, add cash",26,3,BrokerC,LMT,97,Drift>tolerance,Reduce,Allocation drift beyond policy bands,73,-39,116,4,true,Within IPS guidelines
P3758,Active,401k,USD,2024-07-30,2016037,227054,1788983,1.0,66.2,20.0,5.4,8.4,AMZN:21.8%;VNQ:18.9%;QQQ:8.4%;GLD:8.8%;AAPL:20.3%;XLF:21.8%,US:60.4;EU:9.1;APAC:14.5;EM:11.4;Other:4.6,Value:+0.3;Growth:+0.2;Quality:+0.3;Size:-0.3;Momentum:-0.2;LowVol:+0.9,MaxPos5%,5,30,5.5,trailing 8%,125,18.8,Sideways,16.9,4.14,3.2,136,39,63,53,false,Sell,Trim extended winner -1%,10,-10,BrokerD,LMT,86,None,None,Normal monitoring,18,10,112,4,false,Within IPS guidelines
P3759,Hands-off,Trust,USD,2024-08-09,151207,9741,141466,1.0,66.1,24.2,4.0,5.8,XLF:33.3%;GLD:33.3%;TLT:33.3%,US:71.9;EU:9.1;APAC:7.2;EM:9.9;Other:1.8,Value:-0.4;Growth:-0.5;Quality:+0.5;Size:+1.0;Momentum:-0.5;LowVol:-0.1,ESGOnly,6,30,4.7,trailing 8%,99,12.3,Bull,14.6,4.47,2.1,104,78,89,43,false,Rebalance,Shift +1% to bonds from equity,-12,0,BrokerD,MKT,89,None,None,Normal monitoring,4,-6,142,5,false,Increase defensive factor exposure
P3760,Hands-off,Taxable,USD,2025-01-03,311142,19149,291993,1.0,66.5,18.8,6.6,8.2,BRK.B:17.9%;AMZN:19.5%;MSFT:12.9%;HYG:20.1%;TSLA:10.8%;IEF:18.8%,US:66.6;EU:15.0;APAC:7.6;EM:6.8;Other:3.9,Value:-0.5;Growth:+0.4;Quality:+0.9;Size:-0.1;Momentum:-0.3;LowVol:+0.9,ESGOnly,8,25,4.2,trailing 8%,106,13.1,Volatile,30.6,4.0,2.1,173,-10,49,79,true,Rebalance,Rebalance back to target bands,16,-29,BrokerA,LMT,94,Drift>tolerance,Reduce,Allocation drift beyond policy bands,9,-57,108,4,false,Tighten stops on momentum names
P3761,Hands-off,Roth,USD,2024-12-10,805259,47768,757491,1.0,57.4,29.8,3.2,9.6,AAPL:17.9%;GLD:6.8%;TLT:20.2%;TSLA:19.2%;QQQ:15.7%;VOO:20.2%,US:75.1;EU:10.9;APAC:5.6;EM:5.6;Other:2.8,Value:+0.2;Growth:-0.5;Quality:-0.8;Size:+0.6;Momentum:-0.7;LowVol:-0.8,ESGOnly;NoDerivatives,5,25,5.9,trailing 8%,168,12.9,Sideways,14.9,4.35,3.0,119,40,58,51,false,Hedge,Add TLT +1% as duration hedge,-4,-32,BrokerA,MKT,95,None,None,Normal monitoring,-40,-18,-76,3,false,Monitor dispersion and breadth
P3762,Cautious,401k,USD,2025-10-11,641634,97218,544416,1.0,40.4,39.5,8.5,11.6,MSFT:11.0%;AMZN:15.2%;TLT:14.2%;MUB:12.1%;VOO:23.8%;VTI:23.8%,US:71.7;EU:12.4;APAC:9.4;EM:6.2;Other:0.3,Value:-0.2;Growth:-0.2;Quality:-0.1;Size:-0.5;Momentum:-0.4;LowVol:+0.9,ESGOnly;MaxPos8%;NoDerivatives;NoMargin,5,35,3.5,trailing 8%,103,15.0,Bear,27.6,3.16,2.2,215,-63,5,66,false,Buy,Add to core equity +1%,14,7,BrokerA,LMT,99,None,None,Normal monitoring,26,-27,0,4,false,Increase defensive factor exposure
P3763,Cautious,401k,USD,2025-06-25,482902,54304,428598,1.0,47.7,40.0,0.0,12.2,GLD:32.2%;TLT:33.9%;BND:33.9%,US:75.8;EU:11.4;APAC:7.5;EM:3.2;Other:2.1,Value:+0.9;Growth:+0.7;Quality:+0.8;Size:+0.2;Momentum:-0.2;LowVol:+0.2,MaxPos7%;NoMargin,6,30,4.6,hard 10%,168,17.2,Bear,25.9,3.56,2.3,203,27,61,50,false,Sell,Trim extended winner -1%,29,-21,BrokerB,MKT,96,None,None,Normal monitoring,36,20,155,3,false,Increase defensive factor exposure
P3764,Opportunistic,Roth,USD,2025-10-09,313921,22621,291300,1.0,70.1,18.4,5.2,6.3,MSFT:25.4%;TLT:25.4%;QQQ:23.8%;MUB:25.4%,US:67.0;EU:12.4;APAC:10.5;EM:7.7;Other:2.4,Value:+0.6;Growth:-0.1;Quality:+0.5;Size:-0.7;Momentum:+0.9;LowVol:+0.7,MaxPos7%,7,30,4.2,trailing 7%,267,30.3,Volatile,29.5,5.31,2.8,139,75,77,73,true,Reduce,"Cut high-beta by 2-3%, add cash",-15,-3,BrokerB,LMT,85,VAR>budget,Reduce,Risk above budget threshold,-28,-2,-13,4,false,Tighten stops on momentum names
P3765,Opportunistic,401k,USD,2025-05-16,433604,24649,408955,1.2,72.5,11.0,8.1,8.4,VOO:25.0%;BND:25.0%;IEF:25.0%;AAPL:25.0%,US:64.2;EU:18.4;APAC:8.5;EM:4.5;Other:4.4,Value:0.0;Growth:-0.2;Quality:+0.5;Size:+0.8;Momentum:+0.9;LowVol:+0.7,NoDerivatives,5,30,6.8,trailing 9%,178,26.0,Bull,15.6,4.93,3.1,113,23,64,49,false,Rebalance,Shift +1% to bonds from equity,-6,-23,BrokerD,LMT,91,None,None,Normal monitoring,46,-28,37,4,false,Tax-aware sells next window
P3766,Cautious,Taxable,USD,2025-09-21,652062,84572,567490,1.0,39.5,40.7,9.5,10.4,MSFT:33.3%;IEF:33.3%;QQQ:33.3%,US:71.3;EU:12.7;APAC:7.6;EM:8.3;Other:0.1,Value:+0.9;Growth:-0.3;Quality:+0.3;Size:0.0;Momentum:-0.0;LowVol:+0.5,ESGOnly;NoMargin,7,25,3.0,trailing 8%,124,14.6,Volatile,29.3,4.16,2.6,125,-45,37,59,true,Hedge,Buy index puts 1% notional,-7,-2,BrokerA,LMT,90,VAR>budget,TightenStops,Risk above budget threshold,47,-38,19,5,false,Tighten stops on momentum names
P3767,Active,401k,USD,2025-02-05,2393316,262458,2130858,1.0,66.2,26.5,1.7,5.7,AMZN:16.2%;TSLA:27.9%;BRK.B:27.9%;VNQ:27.9%,US:73.6;EU:6.2;APAC:10.6;EM:6.2;Other:3.3,Value:-0.4;Growth:+0.4;Quality:+1.0;Size:+1.0;Momentum:-0.2;LowVol:+0.3,,7,30,4.6,trailing 9%,143,26.0,Bull,11.1,4.32,2.4,76,51,63,35,false,Rebalance,Shift +1% to bonds from equity,17,-4,BrokerD,LMT,92,None,None,Normal monitoring,-20,11,-14,4,false,Within IPS guidelines
P3768,Cautious,IRA,USD,2024-10-13,494411,63397,431014,1.0,48.9,36.7,0.0,14.4,TSLA:19.8%;MSFT:22.0%;VTI:14.3%;TLT:22.0%;BRK.B:22.0%,US:69.9;EU:12.3;APAC:8.2;EM:8.2;Other:1.3,Value:-0.3;Growth:-0.6;Quality:+0.6;Size:+1.0;Momentum:-0.2;LowVol:-0.4,ESGOnly;MaxPos7%;NoMargin,6,25,5.7,hard 10%,95,13.9,Bear,34.6,3.95,1.6,148,-1,38,79,true,Hedge,Buy index puts 1% notional,-14,-19,BrokerD,MKT,98,Drift>tolerance,Reduce,Allocation drift beyond policy bands,93,-56,92,3,false,Within IPS guidelines
P3769,Cautious,Taxable,USD,2024-12-26,213268,22723,190545,1.0,38.8,34.7,14.0,12.5,VTI:36.1%;AMZN:36.1%;QQQ:27.8%,US:60.8;EU:11.3;APAC:13.5;EM:10.1;Other:4.3,Value:-0.4;Growth:-0.9;Quality:+0.5;Size:-0.9;Momentum:-0.5;LowVol:+0.2,ESGOnly;MaxPos5%;NoDerivatives;NoMargin,7,25,5.4,trailing 8%,138,14.2,Bear,28.3,3.92,1.8,173,-63,31,61,true,Hedge,Buy index puts 1% notional,21,-28,BrokerA,MKT,92,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,85,-43,75,2,false,Tighten stops on momentum names
P3770,Systematic,Taxable,USD,2025-06-07,1752310,101642,1650668,1.0,63.3,22.7,8.5,5.5,GLD:23.6%;MSFT:38.2%;VTI:38.2%,US:63.7;EU:14.4;APAC:9.5;EM:10.5;Other:1.9,Value:+0.5;Growth:-0.9;Quality:+0.1;Size:-0.6;Momentum:+0.7;LowVol:-0.7,NoDerivatives,6,35,5.6,trailing 8%,145,19.7,Bear,31.7,4.49,2.5,192,-101,6,85,true,Hedge,Buy index puts 1% notional,34,13,BrokerC,MKT,86,RegimeShift,Hedge,Volatility spike and breadth deterioration,49,1,172,3,false,Monitor dispersion and breadth
P3771,Systematic,Roth,USD,2025-06-29,1306152,81711,1224441,1.0,62.6,20.4,9.5,7.6,MUB:14.0%;AAPL:22.3%;VNQ:7.6%;AMZN:22.3%;IEF:11.7%;XLF:22.3%,US:76.4;EU:6.6;APAC:7.9;EM:6.0;Other:3.0,Value:+1.0;Growth:+0.3;Quality:-0.9;Size:+0.5;Momentum:-0.9;LowVol:0.0,MaxPos7%,5,30,5.2,trailing 8%,216,19.1,Bull,12.4,4.57,2.4,96,19,60,50,false,Rebalance,Shift +1% to bonds from equity,26,-18,BrokerA,MKT,90,None,None,Normal monitoring,-8,-46,-42,4,false,Increase defensive factor exposure
P3772,Active,Taxable,USD,2025-10-23,754470,70531,683939,1.08,62.8,27.2,2.0,8.0,GLD:32.4%;XLF:37.8%;VNQ:29.7%,US:64.8;EU:7.0;APAC:12.4;EM:11.6;Other:4.2,Value:+0.7;Growth:-0.9;Quality:+0.4;Size:+0.1;Momentum:+0.2;LowVol:+0.8,MaxPos5%,10,35,4.9,trailing 8%,124,16.7,Sideways,17.1,4.51,3.1,123,22,68,43,false,Rebalance,Shift +1% to bonds from equity,-11,-19,BrokerB,VWAP,99,None,None,Normal monitoring,95,-42,127,4,false,Increase defensive factor exposure
P3773,Hands-off,401k,USD,2025-10-16,644816,40188,604628,1.0,55.6,20.9,14.0,9.5,BRK.B:33.3%;TSLA:33.3%;XLF:33.3%,US:71.7;EU:15.3;APAC:6.5;EM:6.0;Other:0.5,Value:-0.9;Growth:+0.8;Quality:+0.1;Size:+0.5;Momentum:+0.4;LowVol:-0.7,MaxPos7%,5,30,4.7,trailing 8%,97,14.7,Bull,13.2,4.99,2.1,88,99,85,46,false,Sell,Trim extended winner -1%,-11,-20,BrokerA,VWAP,86,None,None,Normal monitoring,-30,-49,-26,3,false,Monitor dispersion and breadth
P3774,Opportunistic,401k,USD,2025-11-03,529480,44217,485263,1.0,64.9,12.8,17.0,5.3,MUB:33.3%;XLF:33.3%;MSFT:33.3%,US:61.0;EU:16.4;APAC:9.5;EM:9.9;Other:3.1,Value:+0.2;Growth:+0.2;Quality:-0.1;Size:+0.1;Momentum:-0.2;LowVol:0.0,MaxPos5%,10,30,5.5,trailing 7%,236,23.8,Bull,13.2,4.41,3.2,109,34,73,55,false,NoAction,Within bands; monitor,34,-37,BrokerA,LMT,93,None,None,Normal monitoring,45,-19,21,5,false,Tax-aware sells next window
P3775,Opportunistic,Roth,USD,2024-12-31,956859,77266,879593,1.0,68.4,10.5,12.9,8.2,XLF:33.3%;AMZN:33.3%;QQQ:33.3%,US:72.9;EU:6.0;APAC:7.7;EM:12.2;Other:1.2,Value:+0.8;Growth:+0.1;Quality:+0.9;Size:-0.7;Momentum:+0.4;LowVol:-0.7,,6,35,5.3,trailing 9%,231,30.9,Volatile,24.3,3.97,2.7,113,70,85,71,true,Reduce,"Cut high-beta by 2-3%, add cash",-2,-26,BrokerC,MKT,93,Drift>tolerance,Reduce,Allocation drift beyond policy bands,44,-34,8,2,false,Monitor dispersion and breadth
P3776,Cautious,Roth,USD,2025-04-04,709899,112362,597537,1.0,47.3,42.7,0.0,10.0,GLD:27.6%;BND:17.3%;VOO:27.6%;QQQ:27.6%,US:63.5;EU:18.7;APAC:11.4;EM:6.3;Other:0.1,Value:-0.1;Growth:+0.6;Quality:+0.2;Size:+0.1;Momentum:+1.0;LowVol:-0.5,NoMargin,7,25,5.3,trailing 8%,118,16.3,Bear,30.9,3.96,1.7,136,13,62,66,false,NoAction,Within bands; monitor,15,-40,BrokerC,LMT,92,None,None,Normal monitoring,-20,-26,75,5,false,Tax-aware sells next window
P3777,Cautious,Trust,USD,2025-03-03,393232,33307,359925,1.0,46.1,36.8,4.0,13.2,MSFT:19.2%;VTI:19.5%;MUB:11.6%;IEF:24.9%;GLD:24.9%,US:68.3;EU:6.3;APAC:16.2;EM:6.5;Other:2.8,Value:+0.4;Growth:-0.4;Quality:-0.4;Size:-1.0;Momentum:+0.2;LowVol:-0.9,NoDerivatives;NoMargin,7,30,3.4,trailing 8%,113,16.7,Bull,11.5,4.12,3.4,104,77,78,35,false,Buy,Add to core equity +1%,25,15,BrokerA,LMT,100,None,None,Normal monitoring,58,-54,121,4,false,Monitor dispersion and breadth
P3778,Systematic,Trust,USD,2025-10-11,1384016,118579,1265437,1.0,57.0,34.2,0.0,8.8,AMZN:33.3%;AAPL:33.3%;BRK.B:33.3%,US:63.2;EU:14.3;APAC:13.4;EM:8.3;Other:0.9,Value:+0.8;Growth:+0.5;Quality:+0.9;Size:-0.5;Momentum:-0.7;LowVol:-0.5,NoDerivatives,10,30,4.6,hard 12%,131,25.2,Bull,15.4,4.23,2.5,72,97,88,38,false,Rebalance,Shift +1% to bonds from equity,0,10,BrokerC,LMT,86,None,None,Normal monitoring,65,-44,27,5,false,Increase defensive factor exposure
P3779,Opportunistic,401k,USD,2025-04-05,1795019,126391,1668628,1.0,72.8,14.7,6.5,6.0,MSFT:33.3%;BRK.B:33.3%;BND:33.3%,US:68.8;EU:6.0;APAC:7.0;EM:13.2;Other:5.0,Value:-0.2;Growth:+0.9;Quality:-0.5;Size:+1.0;Momentum:-0.6;LowVol:-0.3,,8,30,4.4,trailing 9%,180,23.0,Bull,13.5,3.62,2.1,92,65,77,44,false,Hedge,Add TLT +1% as duration hedge,18,-7,BrokerB,MKT,100,None,None,Normal monitoring,-11,-23,47,5,false,Tax-aware sells next window
P3780,Systematic,401k,USD,2024-09-01,1197173,79080,1118093,1.0,60.2,31.9,0.0,7.9,HYG:21.2%;MSFT:17.2%;QQQ:21.2%;TLT:20.5%;BRK.B:20.0%,US:69.9;EU:6.7;APAC:10.3;EM:9.0;Other:4.1,Value:-0.9;Growth:-0.7;Quality:+0.2;Size:-0.8;Momentum:+1.0;LowVol:+0.9,NoDerivatives,5,30,4.5,hard 12%,224,27.8,Bull,11.2,4.12,2.9,113,106,100,37,false,NoAction,Within bands; monitor,-2,2,BrokerA,LMT,90,None,None,Normal monitoring,104,-8,126,5,false,Increase defensive factor exposure
P3781,Active,IRA,USD,2024-11-26,2035966,143945,1892021,1.0,51.2,23.2,18.2,7.4,XLF:28.2%;BRK.B:28.2%;VOO:14.3%;IEF:14.3%;MUB:14.9%,US:60.7;EU:17.2;APAC:13.0;EM:8.9;Other:0.2,Value:-1.0;Growth:-0.2;Quality:+0.2;Size:+0.4;Momentum:+0.7;LowVol:-0.7,,6,25,5.4,trailing 9%,230,17.0,Sideways,18.7,3.63,2.7,90,37,77,45,false,Sell,Trim extended winner -1%,20,1,BrokerD,LMT,99,None,None,Normal monitoring,75,-47,95,3,false,Tighten stops on momentum names
P3782,Hands-off,IRA,USD,2025-01-02,729374,62565,666809,1.0,66.6,27.3,0.0,6.0,TLT:25.0%;VTI:25.0%;BRK.B:25.0%;VOO:25.0%,US:61.8;EU:17.5;APAC:12.5;EM:3.7;Other:4.6,Value:+0.1;Growth:-0.7;Quality:0.0;Size:-0.4;Momentum:+0.8;LowVol:+0.4,NoDerivatives,5,35,5.8,trailing 8%,143,12.4,Volatile,25.9,5.03,3.5,149,-7,60,67,false,Hedge,Add TLT +1% as duration hedge,24,-33,BrokerC,MKT,92,None,None,Normal monitoring,16,12,-20,3,false,Tax-aware sells next window
P3783,Opportunistic,401k,USD,2024-12-19,1328515,52527,1275988,1.23,72.1,21.1,0.0,6.9,AAPL:33.3%;VTI:33.3%;TLT:33.3%,US:58.2;EU:21.0;APAC:6.8;EM:10.5;Other:3.6,Value:-0.5;Growth:-0.3;Quality:+0.4;Size:-0.3;Momentum:+0.5;LowVol:+0.5,NoDerivatives,5,30,6.1,trailing 9%,239,22.6,Bear,31.4,3.23,1.0,204,-82,12,87,true,Reduce,"Cut high-beta by 2-3%, add cash",-10,-16,BrokerC,LMT,100,VAR>budget,Hedge,Risk above budget threshold,-55,-54,-45,5,false,Within IPS guidelines
P3784,Cautious,Roth,USD,2024-09-01,177047,23396,153651,1.0,47.9,35.9,0.0,16.2,VTI:27.0%;MSFT:18.9%;IEF:27.0%;VOO:27.0%,US:67.8;EU:15.3;APAC:6.9;EM:9.2;Other:0.8,Value:+0.8;Growth:-0.1;Quality:-0.9;Size:+0.5;Momentum:+0.3;LowVol:+1.0,ESGOnly;MaxPos8%;NoMargin,8,30,5.2,trailing 8%,157,19.5,Bear,29.8,3.54,1.7,142,-15,37,74,true,Hedge,Buy index puts 1% notional,-13,-37,BrokerB,LMT,95,VAR>budget,Reduce,Risk above budget threshold,5,1,-25,3,true,Within IPS guidelines
P3785,Cautious,Taxable,USD,2025-03-03,658405,100538,557867,1.0,49.0,39.3,0.0,11.7,QQQ:33.3%;IEF:33.3%;XLF:33.3%,US:63.5;EU:13.3;APAC:10.5;EM:8.8;Other:3.8,Value:-0.4;Growth:-0.8;Quality:+0.5;Size:-0.7;Momentum:+0.8;LowVol:-0.1,ESGOnly;MaxPos6%;NoDerivatives;NoMargin,7,25,4.9,trailing 8%,132,17.0,Bear,32.8,3.15,1.6,210,-60,17,65,false,Rebalance,Shift +1% to bonds from equity,24,8,BrokerD,MKT,94,None,None,Normal monitoring,101,-12,165,5,false,Tighten stops on momentum names
P3786,Active,Trust,USD,2024-07-16,1231305,84019,1147286,1.12,62.8,24.5,4.5,8.1,VNQ:10.6%;GLD:18.8%;MUB:20.0%;HYG:19.3%;MSFT:11.1%;VTI:20.1%,US:67.8;EU:12.1;APAC:13.5;EM:3.6;Other:3.1,Value:+1.0;Growth:-0.6;Quality:+0.5;Size:-0.6;Momentum:+0.3;LowVol:-0.5,MaxPos7%;NoDerivatives,10,35,6.0,hard 12%,218,23.2,Volatile,29.1,3.94,4.0,119,-2,40,67,true,Hedge,Buy index puts 1% notional,30,3,BrokerB,LMT,91,Drift>tolerance,Reduce,Allocation drift beyond policy bands,74,-7,76,2,false,Increase defensive factor exposure
P3787,Active,IRA,USD,2024-12-11,1377747,160966,1216781,1.0,51.7,28.1,14.1,6.1,VOO:25.3%;GLD:10.8%;XLF:25.3%;VTI:20.8%;VNQ:17.8%,US:72.0;EU:8.0;APAC:11.3;EM:7.8;Other:0.9,Value:+0.6;Growth:-0.7;Quality:+0.7;Size:+0.4;Momentum:+0.6;LowVol:+0.3,NoDerivatives,8,25,4.1,trailing 8%,175,24.1,Bull,12.8,3.95,2.6,80,24,51,43,false,Buy,Add to core equity +1%,13,-8,BrokerC,LMT,91,None,None,Normal monitoring,69,-25,199,4,false,Increase defensive factor exposure
P3788,Systematic,Trust,USD,2025-07-29,796715,49597,747118,1.0,65.0,22.6,5.8,6.6,VNQ:13.8%;AAPL:22.2%;GLD:12.2%;MSFT:22.2%;XLF:8.5%;HYG:21.2%,US:74.2;EU:8.2;APAC:9.1;EM:4.8;Other:3.7,Value:0.0;Growth:-0.7;Quality:+0.8;Size:+0.7;Momentum:+0.4;LowVol:+0.9,,6,25,4.4,hard 12%,125,22.3,Sideways,14.7,4.17,2.7,91,28,65,38,false,Buy,Add to core equity +1%,6,-19,BrokerD,MKT,89,None,None,Normal monitoring,82,-12,137,5,false,Increase defensive factor exposure
P3789,Hands-off,Roth,USD,2024-10-16,516224,39428,476796,1.0,70.0,21.0,2.9,6.1,TLT:25.2%;AMZN:24.3%;BRK.B:25.2%;HYG:25.2%,US:58.4;EU:18.1;APAC:12.1;EM:7.3;Other:4.2,Value:-0.6;Growth:+0.9;Quality:-0.1;Size:0.0;Momentum:0.0;LowVol:-0.6,,6,30,4.9,trailing 10%,137,19.7,Volatile,24.8,5.22,4.4,131,69,88,81,true,Reduce,"Cut high-beta by 2-3%, add cash",26,-16,BrokerB,MKT,90,Drift>tolerance,Pause,Allocation drift beyond policy bands,1,-29,89,3,false,Tax-aware sells next window
P3790,Opportunistic,Roth,USD,2025-08-20,1367073,83197,1283876,1.0,71.1,12.8,9.9,6.2,BRK.B:20.1%;VOO:14.9%;HYG:17.2%;GLD:11.9%;VNQ:17.7%;MSFT:18.1%,US:63.5;EU:10.0;APAC:13.6;EM:10.2;Other:2.7,Value:-0.4;Growth:0.0;Quality:+0.2;Size:+0.9;Momentum:-0.0;LowVol:+0.9,NoDerivatives,8,25,5.1,trailing 7%,194,26.8,Bull,12.1,3.53,3.5,116,52,79,50,false,Sell,Trim extended winner -1%,-2,-26,BrokerD,LMT,88,None,None,Normal monitoring,25,-3,133,4,false,Within IPS guidelines
P3791,Opportunistic,IRA,USD,2025-07-14,670543,54581,615962,1.18,71.4,12.3,10.5,5.8,TLT:33.3%;QQQ:33.3%;AMZN:33.3%,US:70.0;EU:10.3;APAC:13.9;EM:5.6;Other:0.2,Value:+0.5;Growth:+0.8;Quality:-0.5;Size:-0.1;Momentum:-0.8;LowVol:-0.9,,5,25,4.3,trailing 9%,206,22.8,Bear,25.1,3.11,1.9,145,-115,5,73,true,Reduce,"Cut high-beta by 2-3%, add cash",3,-29,BrokerC,LMT,99,VAR>budget,Reduce,Risk above budget threshold,50,16,47,3,false,Tighten stops on momentum names
P3792,Hands-off,Taxable,USD,2024-11-23,187481,15219,172262,1.0,74.4,18.7,1.3,5.6,HYG:15.8%;IEF:23.6%;AAPL:23.6%;MSFT:19.2%;MUB:17.9%,US:66.1;EU:7.1;APAC:14.1;EM:11.6;Other:1.0,Value:+0.3;Growth:+0.7;Quality:-0.4;Size:-0.8;Momentum:-0.8;LowVol:0.0,ESGOnly;MaxPos5%,7,30,5.7,trailing 10%,165,16.7,Volatile,21.1,3.8,2.4,114,23,69,56,false,Buy,Add to core equity +1%,20,-30,BrokerA,MKT,97,None,None,Normal monitoring,23,14,103,4,false,Increase defensive factor exposure
P3793,Cautious,Trust,USD,2025-04-14,329472,29247,300225,1.0,50.6,37.9,0.0,11.5,BND:14.1%;GLD:22.4%;VNQ:22.4%;MUB:22.4%;VOO:18.7%,US:57.1;EU:18.8;APAC:15.7;EM:7.3;Other:1.1,Value:+0.5;Growth:-0.2;Quality:+0.4;Size:+0.3;Momentum:+0.8;LowVol:0.0,ESGOnly;NoMargin,7,25,3.6,trailing 8%,128,12.6,Bull,12.3,4.37,2.6,74,53,74,30,false,Buy,Add to core equity +1%,15,-8,BrokerC,VWAP,95,None,None,Normal monitoring,47,-50,69,5,false,Monitor dispersion and breadth
P3794,Cautious,401k,USD,2024-09-28,334541,28388,306153,1.0,39.6,42.1,0.8,17.4,IEF:20.3%;BND:19.5%;AAPL:8.0%;VTI:16.7%;TSLA:19.3%;QQQ:16.3%,US:59.7;EU:12.1;APAC:15.0;EM:10.7;Other:2.5,Value:-0.1;Growth:-0.9;Quality:-0.4;Size:-0.9;Momentum:+0.1;LowVol:-0.4,ESGOnly;NoMargin,8,35,6.0,trailing 8%,113,15.3,Bull,12.8,3.51,3.1,107,67,85,32,false,Hedge,Add TLT +1% as duration hedge,27,-10,BrokerB,LMT,92,None,None,Normal monitoring,113,-12,184,5,false,Tax-aware sells next window
P3795,Cautious,Trust,USD,2025-06-17,647197,96776,550421,1.0,50.5,32.7,0.0,16.7,BND:15.6%;VNQ:19.7%;MUB:21.8%;AMZN:21.8%;AAPL:21.1%,US:65.0;EU:16.1;APAC:5.3;EM:9.7;Other:3.9,Value:+0.8;Growth:-0.1;Quality:-0.1;Size:-0.9;Momentum:-0.7;LowVol:+0.9,NoMargin,7,25,3.7,trailing 10%,118,19.1,Volatile,21.1,4.87,2.3,123,-6,35,62,false,NoAction,Within bands; monitor,-6,14,BrokerB,LMT,85,None,None,Normal monitoring,43,12,159,4,false,Monitor dispersion and breadth
P3796,Active,Taxable,USD,2025-01-23,2129449,145449,1984000,1.0,66.8,26.6,0.0,6.5,TSLA:20.5%;XLF:19.9%;IEF:14.9%;VOO:17.4%;AAPL:14.6%;TLT:12.7%,US:70.2;EU:10.4;APAC:11.9;EM:4.1;Other:3.3,Value:+0.3;Growth:+0.7;Quality:+0.1;Size:+0.2;Momentum:-0.1;LowVol:-0.1,,10,25,4.1,trailing 9%,171,26.2,Bull,17.9,4.41,2.1,115,41,58,60,false,Buy,Add to core equity +1%,-3,3,BrokerB,MKT,89,None,None,Normal monitoring,-47,-9,-17,3,false,Tax-aware sells next window
P3797,Hands-off,401k,USD,2025-12-09,600740,36298,564442,1.0,72.2,20.4,0.0,7.4,TLT:33.3%;QQQ:33.3%;MSFT:33.3%,US:65.9;EU:5.5;APAC:15.4;EM:12.3;Other:0.9,Value:-0.9;Growth:+0.6;Quality:-0.8;Size:+0.3;Momentum:-0.4;LowVol:-1.0,ESGOnly;NoDerivatives,5,25,5.5,trailing 8%,150,17.5,Bear,31.4,3.8,1.8,161,-97,5,83,true,Rebalance,Rebalance back to target bands,11,2,BrokerD,MKT,86,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-34,-41,18,3,false,Tax-aware sells next window
P3798,Systematic,Taxable,USD,2024-09-04,837481,52111,785370,1.0,61.0,28.5,5.2,5.3,AMZN:18.8%;TLT:15.6%;VOO:7.7%;TSLA:21.5%;AAPL:18.0%;MUB:18.4%,US:65.6;EU:7.6;APAC:13.1;EM:12.2;Other:1.5,Value:+0.3;Growth:+0.8;Quality:-0.7;Size:+0.2;Momentum:0.0;LowVol:+0.3,MaxPos8%,6,30,4.1,hard 12%,221,16.6,Volatile,30.6,4.37,2.5,161,41,57,85,true,Hedge,Buy index puts 1% notional,0,-8,BrokerA,LMT,92,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-33,-37,86,4,false,Tax-aware sells next window
P3799,Cautious,Roth,USD,2025-04-03,500013,66069,433944,1.0,44.8,42.0,0.0,13.2,VNQ:25.3%;MUB:27.0%;AAPL:27.0%;TSLA:20.6%,US:74.4;EU:9.2;APAC:9.2;EM:4.0;Other:3.2,Value:-0.2;Growth:-0.6;Quality:+0.9;Size:+0.4;Momentum:-0.3;LowVol:-0.1,ESGOnly;MaxPos8%;NoMargin,7,25,3.2,trailing 10%,122,14.4,Volatile,30.7,5.06,4.3,161,12,71,77,true,Hedge,Buy index puts 1% notional,24,-13,BrokerA,VWAP,88,VAR>budget,Reduce,Risk above budget threshold,-60,-48,1,4,false,Tighten stops on momentum names
P3800,Cautious,Roth,USD,2025-06-05,215097,26915,188182,1.0,46.0,39.2,2.5,12.4,AAPL:24.9%;BND:24.9%;GLD:23.2%;VOO:12.4%;MUB:14.6%,US:65.2;EU:12.3;APAC:11.9;EM:6.6;Other:3.9,Value:+0.3;Growth:+0.5;Quality:-0.8;Size:-0.2;Momentum:+0.1;LowVol:+0.6,MaxPos8%;NoMargin,8,25,5.3,trailing 8%,122,18.6,Bull,14.2,3.87,2.2,91,72,84,40,true,Rebalance,Rebalance back to target bands,31,-19,BrokerC,MKT,87,VAR>budget,Reduce,Risk above budget threshold,77,5,171,5,false,Tax-aware sells next window
P3801,Active,401k,USD,2025-06-18,977511,71307,906204,1.05,62.9,25.4,2.0,9.7,QQQ:33.3%;TSLA:33.3%;BND:33.3%,US:66.5;EU:9.5;APAC:8.6;EM:13.1;Other:2.3,Value:-0.0;Growth:0.0;Quality:-0.4;Size:-0.4;Momentum:+0.4;LowVol:+0.9,NoDerivatives,8,25,5.8,trailing 8%,154,27.0,Bull,17.0,4.7,2.4,107,112,100,44,false,Hedge,Add TLT +1% as duration hedge,19,-4,BrokerB,LMT,91,None,None,Normal monitoring,55,16,21,3,false,Increase defensive factor exposure
P3802,Active,401k,USD,2025-07-04,1168586,75077,1093509,1.0,50.5,27.0,14.2,8.2,VTI:23.0%;MUB:23.0%;HYG:13.0%;QQQ:20.4%;VOO:20.5%,US:66.5;EU:17.7;APAC:8.5;EM:5.0;Other:2.3,Value:-0.7;Growth:+0.9;Quality:-0.5;Size:-0.6;Momentum:+0.7;LowVol:-0.6,MaxPos7%,10,25,5.3,trailing 8%,199,26.8,Sideways,21.9,3.75,2.8,97,2,59,46,false,Rebalance,Shift +1% to bonds from equity,0,-40,BrokerB,MKT,95,None,None,Normal monitoring,-1,-29,23,5,false,Increase defensive factor exposure
P3803,Active,Roth,USD,2025-03-29,1449090,121267,1327823,1.13,57.4,28.9,5.3,8.5,VNQ:33.3%;VOO:33.3%;QQQ:33.3%,US:71.4;EU:7.1;APAC:8.4;EM:9.9;Other:3.2,Value:-0.1;Growth:-0.5;Quality:+0.3;Size:-1.0;Momentum:-0.3;LowVol:+0.8,MaxPos8%;NoDerivatives,10,35,5.7,trailing 8%,202,23.6,Sideways,16.6,4.99,3.4,135,-24,36,50,false,Buy,Add to core equity +1%,-12,15,BrokerA,LMT,85,None,None,Normal monitoring,-30,-40,-20,4,false,Increase defensive factor exposure
P3804,Hands-off,IRA,USD,2025-10-22,320798,30091,290707,1.0,63.3,28.3,0.0,8.4,MUB:33.3%;VNQ:33.3%;XLF:33.3%,US:68.9;EU:12.1;APAC:10.5;EM:3.8;Other:4.7,Value:-0.0;Growth:+0.9;Quality:-0.8;Size:-0.7;Momentum:-0.8;LowVol:+0.5,,8,30,5.2,hard 10%,98,13.0,Volatile,29.5,4.94,4.4,161,-20,46,85,true,Hedge,Buy index puts 1% notional,20,-4,BrokerC,LMT,91,RegimeShift,Hedge,Volatility spike and breadth deterioration,60,16,138,5,false,Tax-aware sells next window
P3805,Hands-off,Roth,USD,2025-07-15,182070,7421,174649,1.0,64.0,22.0,8.2,5.7,GLD:32.8%;BND:33.6%;MUB:33.6%,US:65.4;EU:7.8;APAC:16.4;EM:7.9;Other:2.6,Value:+1.0;Growth:-0.2;Quality:-0.5;Size:-0.4;Momentum:+0.2;LowVol:-0.2,ESGOnly,8,35,4.3,trailing 8%,169,16.5,Volatile,24.0,4.83,3.5,120,60,86,59,false,Rebalance,Shift +1% to bonds from equity,-8,-24,BrokerD,MKT,94,None,None,Normal monitoring,74,-43,68,4,false,Increase defensive factor exposure
P3806,Hands-off,Trust,USD,2024-11-04,714804,35886,678918,1.0,67.9,22.6,1.5,8.0,MUB:20.7%;HYG:17.3%;BND:20.7%;XLF:8.9%;MSFT:12.5%;QQQ:20.0%,US:71.7;EU:8.3;APAC:14.1;EM:4.0;Other:1.8,Value:-0.6;Growth:+0.6;Quality:-0.8;Size:+0.8;Momentum:-0.3;LowVol:-0.0,ESGOnly;NoDerivatives,10,35,3.6,trailing 8%,147,16.2,Sideways,17.7,4.42,2.3,138,-9,34,49,false,Sell,Trim extended winner -1%,23,2,BrokerA,LMT,92,None,None,Normal monitoring,26,11,163,5,false,Increase defensive factor exposure
P3807,Hands-off,Roth,USD,2025-09-27,694228,60662,633566,1.0,59.3,21.7,9.8,9.2,XLF:23.5%;MUB:18.3%;BRK.B:9.4%;VTI:14.4%;HYG:10.9%;TSLA:23.5%,US:69.8;EU:13.1;APAC:7.0;EM:5.7;Other:4.4,Value:-0.3;Growth:+0.6;Quality:+0.5;Size:-0.7;Momentum:+0.9;LowVol:-0.8,,8,30,3.7,hard 10%,167,18.7,Bear,27.6,3.53,1.7,217,-35,38,77,true,Hedge,Buy index puts 1% notional,-8,-11,BrokerA,MKT,92,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-25,2,27,3,false,Tighten stops on momentum names
P3808,Opportunistic,401k,USD,2024-07-16,583424,42243,541181,1.0,72.7,14.1,6.4,6.8,IEF:16.8%;BND:24.9%;TSLA:19.6%;MUB:13.9%;MSFT:24.9%,US:71.2;EU:7.9;APAC:13.0;EM:6.7;Other:1.3,Value:-0.7;Growth:+0.2;Quality:+0.7;Size:-0.7;Momentum:+0.4;LowVol:-0.9,MaxPos7%,10,25,6.5,trailing 7%,210,26.9,Bull,15.3,4.12,2.7,76,65,71,61,false,Buy,Add to core equity +1%,20,-30,BrokerB,LMT,94,None,None,Normal monitoring,73,-26,195,3,false,Monitor dispersion and breadth
P3809,Hands-off,Trust,USD,2025-11-25,786367,47605,738762,1.0,56.6,29.3,7.1,6.9,IEF:17.5%;GLD:20.4%;AAPL:12.3%;XLF:14.5%;TLT:15.6%;QQQ:19.6%,US:62.2;EU:18.1;APAC:6.6;EM:9.9;Other:3.2,Value:-0.2;Growth:-0.5;Quality:-0.8;Size:0.0;Momentum:+0.8;LowVol:-0.8,ESGOnly;MaxPos8%,7,30,4.7,hard 10%,97,15.1,Bull,16.3,3.53,2.8,85,7,65,41,false,Rebalance,Shift +1% to bonds from equity,3,-38,BrokerC,VWAP,98,None,None,Normal monitoring,-49,-46,83,5,false,Monitor dispersion and breadth
P3810,Opportunistic,Taxable,USD,2025-01-14,1044739,32046,1012693,1.0,65.6,17.5,9.4,7.4,QQQ:15.0%;XLF:21.0%;AMZN:19.0%;BND:9.4%;GLD:21.0%;VTI:14.6%,US:73.3;EU:8.1;APAC:6.4;EM:8.2;Other:4.0,Value:+0.1;Growth:0.0;Quality:-0.9;Size:+0.7;Momentum:-0.3;LowVol:-0.7,MaxPos7%,8,35,6.0,trailing 9%,185,23.0,Volatile,26.3,4.23,2.5,155,-9,38,73,true,Rebalance,Rebalance back to target bands,-11,9,BrokerD,LMT,96,VAR>budget,Hedge,Risk above budget threshold,37,10,169,5,false,Tighten stops on momentum names
P3811,Hands-off,Taxable,USD,2025-06-08,268966,18722,250244,1.0,65.0,22.4,5.6,7.1,HYG:33.3%;XLF:33.3%;TLT:33.3%,US:68.5;EU:10.9;APAC:10.5;EM:7.5;Other:2.7,Value:+0.8;Growth:+0.8;Quality:+0.2;Size:0.0;Momentum:-0.1;LowVol:+0.8,,5,35,5.0,trailing 8%,99,14.9,Volatile,25.7,3.95,3.5,144,50,76,63,false,Rebalance,Shift +1% to bonds from equity,28,-4,BrokerB,LMT,87,None,None,Normal monitoring,76,19,156,5,false,Increase defensive factor exposure
P3812,Opportunistic,401k,USD,2025-01-04,351889,17877,334012,1.14,60.8,18.4,14.1,6.7,BRK.B:33.3%;TLT:33.3%;VNQ:33.3%,US:67.2;EU:15.1;APAC:6.1;EM:6.5;Other:5.2,Value:-0.8;Growth:-0.0;Quality:+0.7;Size:0.0;Momentum:+0.9;LowVol:+0.6,,6,30,4.5,trailing 9%,188,31.0,Bull,16.1,4.79,2.9,88,53,73,53,false,Sell,Trim extended winner -1%,26,-19,BrokerC,MKT,87,None,None,Normal monitoring,-36,-19,-13,5,false,Increase defensive factor exposure
P3813,Cautious,Trust,USD,2025-09-28,754349,71502,682847,1.0,38.9,35.8,8.0,17.2,MSFT:12.4%;MUB:14.6%;TLT:11.9%;GLD:22.9%;AAPL:22.9%;XLF:15.4%,US:68.2;EU:16.2;APAC:6.9;EM:3.9;Other:4.7,Value:+0.4;Growth:-0.3;Quality:-0.1;Size:-0.9;Momentum:+0.6;LowVol:-0.8,ESGOnly;MaxPos8%;NoMargin,8,30,3.1,trailing 8%,116,15.9,Volatile,29.9,3.53,4.3,154,27,51,65,false,Sell,Trim extended winner -1%,6,-4,BrokerD,MKT,90,None,None,Normal monitoring,3,-53,128,4,false,Monitor dispersion and breadth
P3814,Opportunistic,Taxable,USD,2025-08-29,776307,62723,713584,1.0,75.1,20.8,0.0,4.1,BRK.B:6.7%;TLT:21.6%;AAPL:21.6%;TSLA:7.0%;IEF:21.6%;QQQ:21.6%,US:73.7;EU:7.3;APAC:13.5;EM:5.0;Other:0.5,Value:-0.8;Growth:+0.5;Quality:-0.0;Size:+0.9;Momentum:+0.8;LowVol:+0.3,NoDerivatives,5,30,6.6,trailing 7%,228,21.0,Bull,14.2,4.42,2.0,84,31,54,55,true,Rebalance,Rebalance back to target bands,-7,-26,BrokerC,MKT,100,VAR>budget,Hedge,Risk above budget threshold,-31,10,-21,2,false,Increase defensive factor exposure
P3815,Opportunistic,401k,USD,2025-10-04,1515585,75075,1440510,1.0,74.1,20.0,1.0,4.9,TSLA:10.7%;VOO:21.1%;VTI:22.7%;AMZN:12.5%;MUB:10.3%;IEF:22.7%,US:67.9;EU:10.8;APAC:9.0;EM:8.3;Other:4.0,Value:-0.0;Growth:-0.7;Quality:+0.6;Size:-0.5;Momentum:+0.4;LowVol:+0.2,MaxPos8%,7,35,4.7,hard 12%,179,28.2,Volatile,30.7,4.54,3.4,169,16,50,82,true,Reduce,"Cut high-beta by 2-3%, add cash",29,15,BrokerD,MKT,87,VAR>budget,Pause,Risk above budget threshold,-1,-14,81,3,false,Tighten stops on momentum names
P3816,Hands-off,IRA,USD,2025-05-22,291543,17895,273648,1.0,71.6,15.5,7.4,5.5,MSFT:19.3%;TLT:20.1%;VTI:13.1%;GLD:11.1%;HYG:17.7%;AAPL:18.7%,US:71.9;EU:6.1;APAC:6.1;EM:11.3;Other:4.5,Value:+0.5;Growth:-1.0;Quality:+0.5;Size:+0.9;Momentum:+0.6;LowVol:+0.8,ESGOnly;MaxPos8%;NoDerivatives,5,35,3.5,trailing 10%,151,15.7,Volatile,31.6,3.63,4.3,115,-52,31,81,true,Rebalance,Rebalance back to target bands,30,-36,BrokerC,LMT,85,Drift>tolerance,Reduce,Allocation drift beyond policy bands,33,-59,54,2,false,Within IPS guidelines
P3817,Systematic,Taxable,USD,2024-09-27,577869,39916,537953,1.0,68.3,24.1,0.0,7.7,VTI:13.3%;HYG:7.1%;GLD:20.9%;AMZN:19.0%;MUB:20.9%;VNQ:18.7%,US:70.8;EU:9.0;APAC:10.2;EM:7.3;Other:2.8,Value:-0.5;Growth:-0.2;Quality:+0.3;Size:+0.7;Momentum:-0.4;LowVol:0.0,NoDerivatives,10,30,4.4,hard 12%,171,25.3,Bear,30.5,3.44,2.9,207,4,54,71,true,Hedge,Buy index puts 1% notional,-7,-3,BrokerB,LMT,88,VAR>budget,Hedge,Risk above budget threshold,-12,-22,-6,3,false,Within IPS guidelines
P3818,Opportunistic,401k,USD,2024-11-22,1220827,81650,1139177,1.0,64.5,19.5,9.8,6.3,TLT:21.1%;MSFT:16.1%;QQQ:20.6%;GLD:21.1%;XLF:21.1%,US:60.4;EU:16.3;APAC:13.5;EM:8.2;Other:1.6,Value:+0.7;Growth:+0.4;Quality:+0.2;Size:+0.2;Momentum:-0.0;LowVol:-1.0,,6,35,6.0,hard 12%,238,24.1,Bull,12.5,4.49,3.2,86,93,83,52,false,Rebalance,Shift +1% to bonds from equity,14,-7,BrokerA,MKT,99,None,None,Normal monitoring,-36,-50,86,5,false,Monitor dispersion and breadth
P3819,Hands-off,Taxable,USD,2024-07-19,344509,26591,317918,1.0,66.4,25.5,0.0,8.1,IEF:16.9%;AAPL:24.4%;TLT:24.4%;MSFT:9.9%;VNQ:24.4%,US:59.1;EU:17.7;APAC:10.4;EM:9.7;Other:3.2,Value:0.0;Growth:-0.5;Quality:-0.1;Size:-0.2;Momentum:-0.6;LowVol:-0.2,ESGOnly,8,30,4.0,trailing 8%,91,15.9,Bull,15.7,3.58,2.8,113,114,100,45,false,Rebalance,Shift +1% to bonds from equity,26,10,BrokerC,MKT,97,None,None,Normal monitoring,35,-18,56,5,false,Tighten stops on momentum names
P3820,Cautious,Roth,USD,2024-10-06,178915,15599,163316,1.0,47.2,31.1,7.6,14.1,BRK.B:12.5%;TLT:18.7%;VOO:13.9%;MSFT:15.1%;IEF:20.8%;QQQ:18.9%,US:69.0;EU:7.8;APAC:11.5;EM:6.7;Other:5.0,Value:+0.6;Growth:-0.5;Quality:+0.1;Size:-0.6;Momentum:-0.8;LowVol:-0.9,NoMargin,7,25,3.6,trailing 8%,159,12.4,Bull,17.8,4.95,2.6,93,73,78,45,false,NoAction,Within bands; monitor,33,-16,BrokerC,MKT,0,None,None,Normal monitoring,40,-40,149,4,false,Tax-aware sells next window
P3821,Active,Trust,USD,2024-07-18,2338678,213384,2125294,1.19,51.3,24.9,14.1,9.7,MUB:38.2%;BND:38.2%;MSFT:23.6%,US:72.7;EU:10.2;APAC:10.0;EM:4.8;Other:2.3,Value:+0.5;Growth:-0.4;Quality:+0.3;Size:+0.3;Momentum:-0.6;LowVol:-0.7,MaxPos5%,8,25,4.8,trailing 9%,163,16.8,Sideways,20.8,4.6,3.5,118,42,71,48,false,Hedge,Add TLT +1% as duration hedge,23,-6,BrokerC,VWAP,99,None,None,Normal monitoring,53,-54,93,3,false,Tax-aware sells next window
P3822,Opportunistic,IRA,USD,2024-12-24,650237,49357,600880,1.0,62.4,13.3,19.6,4.7,HYG:25.4%;TSLA:11.4%;VOO:19.3%;VNQ:25.4%;MSFT:18.4%,US:66.6;EU:15.2;APAC:10.6;EM:6.0;Other:1.5,Value:0.0;Growth:+0.3;Quality:-0.1;Size:-0.2;Momentum:-0.2;LowVol:+0.7,MaxPos7%,10,25,4.2,hard 12%,182,21.5,Volatile,25.2,4.05,4.1,115,-21,30,62,false,Rebalance,Shift +1% to bonds from equity,-5,4,BrokerB,LMT,95,None,None,Normal monitoring,63,8,82,4,false,Tax-aware sells next window
P3823,Cautious,401k,USD,2025-09-22,243785,31495,212290,1.0,52.4,32.6,0.0,15.0,QQQ:27.0%;MUB:27.0%;VTI:25.4%;IEF:20.6%,US:66.7;EU:6.3;APAC:15.3;EM:8.8;Other:2.8,Value:-0.5;Growth:0.0;Quality:+0.3;Size:0.0;Momentum:+0.9;LowVol:-0.5,NoMargin,8,30,5.3,trailing 10%,107,17.7,Bull,15.0,4.62,2.3,73,80,89,35,false,NoAction,Within bands; monitor,31,-24,BrokerD,MKT,0,None,None,Normal monitoring,19,-44,128,5,false,Within IPS guidelines
P3824,Cautious,Taxable,USD,2025-02-05,302477,44346,258131,1.0,48.1,36.5,0.0,15.4,VNQ:11.3%;BND:23.8%;TLT:23.8%;AAPL:17.3%;VOO:23.8%,US:69.1;EU:8.7;APAC:13.1;EM:7.3;Other:1.8,Value:-1.0;Growth:+0.3;Quality:-0.9;Size:+0.9;Momentum:-0.1;LowVol:+0.1,ESGOnly;NoMargin,6,25,5.1,hard 10%,91,12.5,Sideways,21.2,4.72,2.3,104,25,60,56,false,Buy,Add to core equity +1%,31,-15,BrokerD,VWAP,97,None,None,Normal monitoring,29,-58,104,3,false,Within IPS guidelines
P3825,Cautious,401k,USD,2024-08-22,877017,108415,768602,1.0,37.2,42.7,10.0,10.1,VTI:20.9%;IEF:12.8%;TLT:11.5%;VNQ:12.2%;AAPL:21.3%;BRK.B:21.3%,US:70.1;EU:8.3;APAC:9.0;EM:11.5;Other:1.3,Value:-0.5;Growth:-0.0;Quality:-0.9;Size:-0.8;Momentum:+1.0;LowVol:+0.4,ESGOnly;NoDerivatives;NoMargin,7,30,5.0,trailing 10%,122,18.3,Bull,12.7,4.13,2.2,96,32,70,22,true,Reduce,"Cut high-beta by 2-3%, add cash",30,13,BrokerA,LMT,86,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,102,-36,172,4,false,Increase defensive factor exposure
P3826,Cautious,Trust,USD,2024-10-11,622718,65121,557597,1.0,35.0,34.6,19.1,11.3,BND:20.4%;VNQ:22.7%;VTI:16.5%;VOO:17.7%;TLT:22.7%,US:65.8;EU:14.6;APAC:11.9;EM:4.3;Other:3.3,Value:+0.1;Growth:+0.9;Quality:-0.1;Size:-0.1;Momentum:-0.5;LowVol:+0.8,MaxPos8%;NoMargin,8,35,4.1,trailing 8%,148,16.9,Bull,15.3,4.53,3.5,79,99,98,26,false,Sell,Trim extended winner -1%,8,12,BrokerC,MKT,95,None,None,Normal monitoring,-57,-50,64,5,false,Monitor dispersion and breadth
P3827,Systematic,Roth,USD,2025-06-02,1298719,59098,1239621,1.0,57.9,30.3,6.2,5.5,VNQ:14.7%;BND:28.4%;QQQ:28.4%;VTI:28.4%,US:68.2;EU:5.8;APAC:12.4;EM:11.0;Other:2.6,Value:-0.6;Growth:-0.1;Quality:+0.2;Size:+0.4;Momentum:+0.8;LowVol:-0.3,,8,25,4.9,trailing 8%,150,21.8,Bull,14.1,4.42,3.4,78,102,89,32,false,Buy,Add to core equity +1%,22,-12,BrokerB,LMT,98,None,None,Normal monitoring,111,-55,162,4,false,Increase defensive factor exposure
P3828,Active,Trust,USD,2025-05-02,742343,54482,687861,1.21,63.0,27.6,0.0,9.4,AMZN:33.3%;VOO:33.3%;GLD:33.3%,US:70.2;EU:17.4;APAC:6.2;EM:4.0;Other:2.2,Value:-0.6;Growth:-0.2;Quality:-0.7;Size:-0.6;Momentum:-0.6;LowVol:-0.3,,10,30,4.5,trailing 8%,206,20.1,Volatile,31.3,3.84,4.1,166,13,65,72,true,Hedge,Buy index puts 1% notional,15,15,BrokerD,VWAP,100,RegimeShift,Reduce,Volatility spike and breadth deterioration,-22,-15,44,5,false,Tax-aware sells next window
P3829,Cautious,401k,USD,2025-06-22,840432,80259,760173,1.0,40.0,34.7,8.0,17.3,VNQ:21.7%;AAPL:21.7%;AMZN:21.7%;MUB:13.1%;TLT:21.7%,US:59.7;EU:19.7;APAC:7.0;EM:8.5;Other:5.0,Value:+1.0;Growth:+0.4;Quality:+0.2;Size:-0.3;Momentum:-0.4;LowVol:-0.8,ESGOnly;NoMargin,8,25,3.8,hard 10%,167,15.2,Bull,18.0,3.9,2.2,73,50,65,31,false,Rebalance,Shift +1% to bonds from equity,33,-34,BrokerD,MKT,94,None,None,Normal monitoring,16,7,153,4,false,Increase defensive factor exposure
P3830,Opportunistic,IRA,USD,2024-12-30,1429678,103756,1325922,1.0,63.9,13.5,16.8,5.8,AAPL:11.3%;AMZN:11.5%;BRK.B:22.1%;GLD:22.1%;IEF:14.5%;VTI:18.6%,US:60.6;EU:21.9;APAC:7.5;EM:5.9;Other:4.1,Value:-0.7;Growth:-0.2;Quality:+0.3;Size:-0.2;Momentum:+1.0;LowVol:+0.4,MaxPos7%;NoDerivatives,5,35,4.8,trailing 9%,177,31.1,Sideways,18.2,3.58,2.4,118,-4,58,62,false,Sell,Trim extended winner -1%,-1,-15,BrokerC,MKT,87,None,None,Normal monitoring,119,-39,214,3,false,Within IPS guidelines
P3831,Cautious,Roth,USD,2025-02-27,811100,121044,690056,1.0,35.5,38.6,9.9,16.0,VTI:22.3%;VOO:27.3%;QQQ:27.3%;XLF:23.1%,US:65.4;EU:11.6;APAC:12.6;EM:9.5;Other:0.9,Value:+0.6;Growth:+0.2;Quality:-0.3;Size:+0.1;Momentum:+0.8;LowVol:+0.3,ESGOnly;NoMargin,5,35,5.5,hard 10%,153,16.2,Bull,11.4,4.85,2.9,77,53,71,26,false,Buy,Add to core equity +1%,-13,-14,BrokerD,MKT,91,None,None,Normal monitoring,29,-18,118,5,false,Tighten stops on momentum names
P3832,Active,Roth,USD,2025-03-21,1181444,106274,1075170,1.0,63.7,28.9,0.0,7.4,XLF:33.3%;MSFT:33.3%;VTI:33.3%,US:67.1;EU:16.1;APAC:9.0;EM:3.5;Other:4.3,Value:+0.8;Growth:-0.2;Quality:+0.1;Size:-0.2;Momentum:+0.5;LowVol:+0.4,MaxPos6%,6,25,5.3,trailing 8%,163,23.9,Bear,24.9,3.15,2.6,182,-11,39,63,false,Rebalance,Shift +1% to bonds from equity,-5,-24,BrokerC,MKT,100,None,None,Normal monitoring,2,-27,13,4,false,Within IPS guidelines
P3833,Hands-off,Taxable,USD,2025-07-10,268367,15735,252632,1.0,68.9,21.6,0.0,9.5,VNQ:16.0%;MUB:14.2%;VTI:14.2%;QQQ:23.0%;TSLA:9.8%;HYG:22.7%,US:57.4;EU:11.0;APAC:16.1;EM:11.4;Other:4.2,Value:+0.3;Growth:-0.4;Quality:+0.7;Size:+0.7;Momentum:-0.7;LowVol:+0.2,MaxPos8%,7,25,5.3,trailing 8%,125,13.6,Volatile,28.6,3.92,4.4,159,-10,39,79,true,Hedge,Buy index puts 1% notional,13,-16,BrokerB,LMT,92,Drift>tolerance,Reduce,Allocation drift beyond policy bands,76,-39,114,4,false,Increase defensive factor exposure
P3834,Hands-off,IRA,USD,2025-11-06,276313,16318,259995,1.0,70.8,15.5,4.3,9.4,QQQ:21.6%;VOO:26.1%;XLF:26.1%;TSLA:26.1%,US:60.6;EU:19.0;APAC:11.8;EM:7.5;Other:1.2,Value:-0.6;Growth:-0.6;Quality:+0.9;Size:+0.1;Momentum:-0.4;LowVol:-1.0,ESGOnly,8,25,4.7,hard 10%,164,16.0,Bull,16.1,3.74,2.8,118,79,81,63,false,Buy,Add to core equity +1%,22,-3,BrokerB,MKT,95,None,None,Normal monitoring,90,18,121,5,false,Monitor dispersion and breadth
P3835,Hands-off,Trust,USD,2025-04-26,644514,48660,595854,1.0,55.7,25.5,10.2,8.6,MUB:21.9%;AMZN:26.0%;TSLA:26.0%;BRK.B:26.0%,US:63.2;EU:13.9;APAC:11.5;EM:7.9;Other:3.5,Value:0.0;Growth:-0.2;Quality:+0.4;Size:+0.2;Momentum:+0.6;LowVol:+0.6,MaxPos8%;NoDerivatives,5,35,3.4,trailing 8%,92,13.5,Volatile,31.3,4.31,2.9,137,-11,59,86,true,Rebalance,Rebalance back to target bands,24,10,BrokerA,LMT,85,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,85,10,68,5,false,Tax-aware sells next window
P3836,Active,Roth,USD,2025-06-11,1203222,114010,1089212,1.0,61.7,30.0,1.1,7.2,AAPL:33.3%;HYG:33.3%;MUB:33.3%,US:67.6;EU:9.0;APAC:14.6;EM:7.1;Other:1.7,Value:+0.7;Growth:+0.6;Quality:-0.2;Size:+0.8;Momentum:-0.3;LowVol:+0.4,MaxPos8%,8,35,5.1,trailing 8%,152,23.8,Volatile,24.5,4.26,3.2,169,-18,37,72,true,Reduce,"Cut high-beta by 2-3%, add cash",7,-32,BrokerB,MKT,86,VAR>budget,Reduce,Risk above budget threshold,3,12,2,2,false,Within IPS guidelines
P3837,Cautious,Roth,USD,2025-04-01,813503,108823,704680,1.0,37.3,34.7,11.0,17.0,TSLA:35.8%;VNQ:28.3%;BND:35.8%,US:68.6;EU:7.2;APAC:9.8;EM:10.5;Other:3.9,Value:+0.8;Growth:+0.5;Quality:+0.8;Size:+0.9;Momentum:-0.4;LowVol:-0.5,MaxPos7%;NoMargin,5,35,5.0,trailing 8%,128,19.2,Bull,11.1,4.7,3.0,109,67,73,28,false,Rebalance,Shift +1% to bonds from equity,-14,13,BrokerA,MKT,87,None,None,Normal monitoring,-14,-23,7,4,false,Tax-aware sells next window
P3838,Hands-off,Trust,USD,2024-10-29,351350,31313,320037,1.0,66.5,22.6,2.1,8.7,MUB:24.1%;AAPL:25.3%;XLF:25.3%;TLT:25.3%,US:70.4;EU:11.8;APAC:7.5;EM:9.7;Other:0.6,Value:+0.2;Growth:-0.9;Quality:-0.7;Size:+0.4;Momentum:+0.8;LowVol:-0.8,ESGOnly;MaxPos8%,8,25,4.8,trailing 8%,141,17.0,Volatile,27.3,5.22,3.0,180,-35,27,75,true,Hedge,Buy index puts 1% notional,16,-21,BrokerB,MKT,95,VAR>budget,Reduce,Risk above budget threshold,-32,-49,106,4,false,Tax-aware sells next window
P3839,Opportunistic,401k,USD,2024-07-20,1359445,60606,1298839,1.0,61.6,10.0,22.7,5.6,TSLA:22.8%;AAPL:25.7%;TLT:25.7%;HYG:25.7%,US:65.1;EU:11.8;APAC:13.9;EM:4.2;Other:5.0,Value:0.0;Growth:-0.0;Quality:-0.8;Size:-0.1;Momentum:-0.4;LowVol:-0.9,,7,35,4.7,hard 12%,202,26.8,Volatile,21.1,5.05,4.5,110,14,50,63,false,NoAction,Within bands; monitor,26,-37,BrokerC,VWAP,99,None,None,Normal monitoring,-14,-26,98,5,false,Tax-aware sells next window
P3840,Cautious,IRA,USD,2025-05-23,491758,64442,427316,1.0,45.9,32.2,5.0,17.0,IEF:24.2%;BRK.B:14.6%;GLD:16.2%;AMZN:24.2%;TLT:20.9%,US:69.6;EU:7.7;APAC:11.9;EM:7.3;Other:3.5,Value:+0.7;Growth:-0.9;Quality:-0.9;Size:0.0;Momentum:+1.0;LowVol:+0.3,ESGOnly;NoDerivatives;NoMargin,8,25,4.8,trailing 10%,133,16.4,Volatile,28.4,4.87,2.1,153,-15,43,68,false,Buy,Add to core equity +1%,18,-36,BrokerB,VWAP,91,None,None,Normal monitoring,96,-14,75,5,false,Within IPS guidelines
P3841,Hands-off,IRA,USD,2025-04-27,416752,32670,384082,1.0,69.7,17.9,6.1,6.2,VNQ:20.9%;MUB:22.7%;QQQ:11.1%;IEF:22.7%;BRK.B:22.7%,US:71.6;EU:9.8;APAC:10.8;EM:3.0;Other:4.9,Value:+0.4;Growth:-0.9;Quality:-0.5;Size:+0.1;Momentum:+0.1;LowVol:-0.8,ESGOnly;NoDerivatives,10,35,3.5,trailing 8%,103,15.0,Volatile,31.0,3.6,2.7,120,-33,19,78,true,Reduce,"Cut high-beta by 2-3%, add cash",2,-19,BrokerC,MKT,100,VAR>budget,TightenStops,Risk above budget threshold,4,-14,140,5,false,Increase defensive factor exposure
P3842,Systematic,IRA,USD,2025-02-25,520308,50759,469549,1.0,55.4,34.4,3.1,7.1,AMZN:21.8%;TSLA:16.0%;MUB:21.8%;HYG:18.6%;VNQ:21.8%,US:61.3;EU:19.8;APAC:13.0;EM:5.3;Other:0.7,Value:+0.9;Growth:-0.7;Quality:+0.7;Size:-0.6;Momentum:-0.5;LowVol:+0.9,MaxPos6%;NoDerivatives,8,30,6.0,hard 12%,125,22.9,Bear,34.9,3.84,2.6,182,-48,20,88,true,Reduce,"Cut high-beta by 2-3%, add cash",32,-40,BrokerA,LMT,87,Drift>tolerance,Pause,Allocation drift beyond policy bands,23,-56,107,4,false,Within IPS guidelines
P3843,Hands-off,IRA,USD,2024-12-10,723324,53198,670126,1.0,55.1,23.1,11.8,9.9,BND:33.3%;VTI:33.3%;BRK.B:33.3%,US:63.8;EU:15.3;APAC:10.9;EM:8.2;Other:1.8,Value:0.0;Growth:+0.8;Quality:-0.8;Size:-0.3;Momentum:-0.1;LowVol:-0.7,ESGOnly;MaxPos5%;NoDerivatives,10,25,3.7,trailing 8%,157,16.1,Sideways,20.5,3.83,2.9,138,3,56,51,false,Buy,Add to core equity +1%,15,-31,BrokerB,LMT,96,None,None,Normal monitoring,105,-41,183,5,false,Increase defensive factor exposure
P3844,Cautious,401k,USD,2025-08-27,605981,81038,524943,1.0,51.3,37.1,0.0,11.6,BND:23.9%;AAPL:23.9%;VTI:12.0%;GLD:16.3%;BRK.B:23.9%,US:63.9;EU:5.4;APAC:14.7;EM:11.7;Other:4.3,Value:0.0;Growth:+0.1;Quality:-0.5;Size:+0.9;Momentum:+0.5;LowVol:+0.9,ESGOnly;NoMargin,5,30,5.2,trailing 8%,106,12.8,Bull,11.3,4.18,2.7,113,92,100,24,false,Sell,Trim extended winner -1%,11,-40,BrokerC,MKT,99,None,None,Normal monitoring,92,6,222,3,false,Monitor dispersion and breadth
P3845,Active,IRA,USD,2025-05-02,751970,52419,699551,1.0,52.9,30.1,7.8,9.2,XLF:25.4%;TLT:25.4%;IEF:25.4%;AMZN:23.9%,US:60.4;EU:10.1;APAC:14.1;EM:11.6;Other:3.8,Value:+0.7;Growth:+0.3;Quality:-1.0;Size:+0.7;Momentum:-0.3;LowVol:-0.9,,10,30,4.8,trailing 8%,200,21.6,Bear,25.4,3.39,2.9,180,-5,61,65,false,Rebalance,Shift +1% to bonds from equity,23,-39,BrokerC,MKT,87,None,None,Normal monitoring,55,-50,103,5,false,Increase defensive factor exposure
P3846,Opportunistic,Roth,USD,2025-11-21,1121436,47899,1073537,1.23,69.6,16.0,5.9,8.5,BRK.B:23.0%;VNQ:23.1%;QQQ:23.1%;VOO:19.4%;TLT:11.4%,US:61.6;EU:11.3;APAC:13.5;EM:9.5;Other:4.0,Value:+0.6;Growth:+0.4;Quality:-0.6;Size:+0.7;Momentum:+0.8;LowVol:-0.1,,8,35,5.3,trailing 7%,169,34.1,Bear,23.1,3.96,1.5,164,-64,30,72,true,Hedge,Buy index puts 1% notional,16,-2,BrokerD,LMT,91,RegimeShift,Hedge,Volatility spike and breadth deterioration,70,-40,133,3,false,Increase defensive factor exposure
P3847,Systematic,Taxable,USD,2025-01-30,1080877,91007,989870,1.0,62.9,25.3,5.2,6.6,AAPL:25.0%;AMZN:25.0%;BND:25.0%;TSLA:25.0%,US:69.9;EU:13.1;APAC:6.6;EM:10.4;Other:0.0,Value:+0.1;Growth:-0.7;Quality:-0.3;Size:-0.1;Momentum:+1.0;LowVol:+1.0,MaxPos8%,5,30,5.3,trailing 8%,173,23.9,Volatile,31.2,5.48,2.2,129,-20,26,78,true,Hedge,Buy index puts 1% notional,6,-1,BrokerD,LMT,89,VAR>budget,Hedge,Risk above budget threshold,27,2,38,4,false,Increase defensive factor exposure
P3848,Systematic,IRA,USD,2025-07-23,780959,73626,707333,1.0,62.4,30.4,1.6,5.7,HYG:29.2%;BND:29.2%;VNQ:17.7%;TLT:24.0%,US:72.9;EU:5.7;APAC:6.3;EM:11.1;Other:4.0,Value:-0.7;Growth:-0.3;Quality:-0.4;Size:+0.3;Momentum:+0.9;LowVol:+0.6,MaxPos6%,6,35,4.5,trailing 8%,207,25.1,Volatile,23.5,4.99,2.2,144,12,64,57,false,Rebalance,Shift +1% to bonds from equity,-10,-4,BrokerD,LMT,97,None,None,Normal monitoring,14,8,127,3,false,Monitor dispersion and breadth
P3849,Cautious,IRA,USD,2024-12-06,410715,51120,359595,1.0,40.3,31.5,14.7,13.6,MUB:35.4%;XLF:35.4%;GLD:29.2%,US:70.8;EU:11.0;APAC:9.4;EM:4.6;Other:4.2,Value:+0.6;Growth:+0.7;Quality:+0.5;Size:-0.8;Momentum:+0.7;LowVol:-0.8,MaxPos5%;NoMargin,10,25,5.1,trailing 8%,169,16.6,Sideways,18.4,3.65,2.7,122,26,68,49,false,Rebalance,Shift +1% to bonds from equity,-7,-27,BrokerD,LMT,92,None,None,Normal monitoring,61,-11,38,3,false,Within IPS guidelines
P3850,Hands-off,Roth,USD,2025-02-05,728218,42430,685788,1.0,67.9,27.1,0.0,5.1,MUB:16.7%;VTI:23.6%;VNQ:23.6%;AAPL:9.5%;HYG:15.8%;TLT:10.8%,US:64.7;EU:14.0;APAC:11.3;EM:8.5;Other:1.4,Value:-0.6;Growth:-0.5;Quality:-1.0;Size:+0.9;Momentum:-0.0;LowVol:+0.3,ESGOnly;MaxPos5%,8,35,3.0,hard 10%,124,12.2,Volatile,22.8,5.01,3.4,130,-11,47,58,false,Sell,Trim extended winner -1%,35,-23,BrokerB,VWAP,91,None,None,Normal monitoring,64,-4,94,3,false,Increase defensive factor exposure
P3851,Hands-off,IRA,USD,2025-08-24,174708,9839,164869,1.0,57.1,22.1,14.6,6.2,GLD:25.0%;AAPL:25.0%;VOO:25.0%;BND:25.0%,US:69.4;EU:16.5;APAC:7.7;EM:4.2;Other:2.1,Value:-0.6;Growth:+0.7;Quality:-0.7;Size:+0.6;Momentum:+0.9;LowVol:+1.0,MaxPos5%,6,30,5.0,hard 10%,96,14.0,Bull,16.3,4.29,2.8,115,20,64,47,false,Sell,Trim extended winner -1%,7,-21,BrokerC,VWAP,94,None,None,Normal monitoring,113,-2,249,4,false,Monitor dispersion and breadth
P3852,Active,IRA,USD,2025-08-10,2329325,161318,2168007,1.0,55.2,23.8,15.5,5.6,MSFT:22.0%;VTI:22.0%;HYG:22.0%;QQQ:14.1%;VOO:20.0%,US:64.9;EU:11.5;APAC:11.4;EM:9.9;Other:2.3,Value:+0.7;Growth:+0.5;Quality:+0.1;Size:+1.0;Momentum:-0.7;LowVol:-0.1,MaxPos7%;NoDerivatives,6,35,4.1,trailing 8%,152,22.5,Volatile,28.0,3.53,3.8,110,75,74,60,false,Buy,Add to core equity +1%,4,5,BrokerA,LMT,86,None,None,Normal monitoring,109,2,112,5,false,Within IPS guidelines
P3853,Hands-off,Taxable,USD,2025-03-16,298697,14875,283822,1.0,55.3,28.6,7.0,9.1,MUB:21.8%;VOO:21.8%;IEF:14.4%;VNQ:21.8%;XLF:20.3%,US:70.3;EU:6.3;APAC:12.9;EM:9.5;Other:1.1,Value:-0.7;Growth:-0.7;Quality:-0.8;Size:-0.2;Momentum:+0.2;LowVol:-0.2,ESGOnly;MaxPos5%,7,30,5.6,trailing 8%,157,18.8,Bear,31.5,3.72,1.4,160,-45,27,74,true,Hedge,Buy index puts 1% notional,20,3,BrokerA,LMT,88,VAR>budget,Hedge,Risk above budget threshold,102,-40,84,3,false,Within IPS guidelines
P3854,Cautious,Roth,USD,2025-08-19,894445,92975,801470,1.0,39.1,30.2,16.1,14.6,VNQ:19.1%;TLT:27.0%;VOO:27.0%;TSLA:27.0%,US:62.8;EU:15.1;APAC:13.1;EM:5.2;Other:3.7,Value:+0.6;Growth:+0.5;Quality:+0.3;Size:+0.4;Momentum:+0.2;LowVol:0.0,MaxPos6%;NoMargin,10,25,4.2,trailing 8%,150,12.5,Bull,15.7,3.67,2.7,120,110,100,27,false,Rebalance,Shift +1% to bonds from equity,30,-32,BrokerD,LMT,94,None,None,Normal monitoring,17,-39,57,4,false,Within IPS guidelines
P3855,Systematic,Taxable,USD,2024-07-27,749482,61699,687783,1.0,57.6,21.5,12.5,8.4,BRK.B:21.4%;TLT:27.8%;QQQ:23.0%;AMZN:27.8%,US:70.0;EU:6.4;APAC:6.7;EM:11.3;Other:5.6,Value:+0.7;Growth:-0.9;Quality:+0.9;Size:-0.2;Momentum:-0.5;LowVol:+1.0,NoDerivatives,5,35,5.0,trailing 8%,174,27.4,Bear,24.8,3.09,2.9,206,-120,5,66,true,Reduce,"Cut high-beta by 2-3%, add cash",15,-23,BrokerD,MKT,100,RegimeShift,TightenStops,Volatility spike and breadth deterioration,-5,-54,24,2,false,Tax-aware sells next window
P3856,Systematic,Taxable,USD,2025-01-01,1710690,163162,1547528,1.0,58.7,23.3,12.4,5.6,HYG:33.3%;VTI:33.3%;MSFT:33.3%,US:70.4;EU:12.8;APAC:6.8;EM:9.5;Other:0.5,Value:+0.5;Growth:+0.7;Quality:+0.6;Size:+0.5;Momentum:+0.2;LowVol:+0.5,MaxPos7%;NoDerivatives,5,30,4.3,trailing 8%,184,26.4,Bull,11.3,4.01,2.2,105,68,87,42,false,Rebalance,Shift +1% to bonds from equity,7,1,BrokerC,LMT,93,None,None,Normal monitoring,53,-24,176,4,false,Monitor dispersion and breadth
P3857,Opportunistic,Taxable,USD,2025-02-09,644425,53804,590621,1.08,61.7,20.2,12.8,5.4,BND:25.8%;VTI:25.8%;QQQ:22.6%;BRK.B:25.8%,US:75.6;EU:8.9;APAC:7.1;EM:5.0;Other:3.3,Value:+0.2;Growth:-0.1;Quality:-0.6;Size:-1.0;Momentum:+1.0;LowVol:+0.7,,6,35,4.1,trailing 9%,170,33.3,Volatile,22.6,4.98,2.7,132,-8,41,56,false,Rebalance,Shift +1% to bonds from equity,-7,-18,BrokerA,LMT,99,None,None,Normal monitoring,-45,-13,94,5,false,Tighten stops on momentum names
P3858,Hands-off,Trust,USD,2025-05-11,426766,32087,394679,1.0,69.7,23.4,0.0,6.9,TSLA:10.1%;GLD:21.0%;HYG:26.4%;BND:16.1%;XLF:26.4%,US:56.9;EU:17.7;APAC:11.9;EM:8.9;Other:4.5,Value:+0.7;Growth:+0.1;Quality:+0.8;Size:+0.5;Momentum:-0.8;LowVol:+0.3,MaxPos8%,5,30,3.5,trailing 10%,149,17.5,Bull,15.7,4.66,2.5,109,88,100,43,true,Hedge,Buy index puts 1% notional,28,13,BrokerB,LMT,86,Drift>tolerance,Hedge,Allocation drift beyond policy bands,67,-39,104,3,false,Tax-aware sells next window
P3859,Active,Trust,USD,2024-10-01,841792,88157,753635,1.0,57.1,23.7,10.4,8.9,AAPL:33.9%;XLF:33.9%;GLD:32.2%,US:61.6;EU:11.7;APAC:17.3;EM:7.9;Other:1.6,Value:-0.6;Growth:-0.3;Quality:-0.1;Size:-0.2;Momentum:+0.5;LowVol:-0.3,MaxPos8%;NoDerivatives,8,25,5.4,hard 12%,195,26.8,Volatile,21.3,4.49,4.0,122,37,75,63,false,Buy,Add to core equity +1%,4,-8,BrokerB,LMT,92,None,None,Normal monitoring,-46,8,-58,4,false,Tax-aware sells next window
P3860,Active,Trust,USD,2024-11-25,911233,57307,853926,1.0,68.9,22.5,0.9,7.8,MUB:16.1%;HYG:16.3%;QQQ:20.8%;VNQ:9.9%;GLD:15.9%;BND:20.8%,US:72.8;EU:7.5;APAC:7.2;EM:6.6;Other:5.9,Value:-0.6;Growth:-0.0;Quality:-0.4;Size:-0.9;Momentum:+0.8;LowVol:-0.5,NoDerivatives,8,35,5.6,trailing 9%,161,22.9,Sideways,17.2,4.92,2.3,115,5,59,52,false,Rebalance,Shift +1% to bonds from equity,-2,-4,BrokerD,LMT,89,None,None,Normal monitoring,76,-37,52,5,false,Within IPS guidelines
P3861,Hands-off,Trust,USD,2024-07-15,500226,34895,465331,1.0,56.0,20.8,17.5,5.6,IEF:13.3%;MSFT:16.4%;TLT:22.3%;BRK.B:22.3%;VNQ:16.2%;XLF:9.4%,US:69.9;EU:17.5;APAC:8.4;EM:3.4;Other:0.7,Value:+0.5;Growth:+0.2;Quality:+0.7;Size:-0.8;Momentum:+0.2;LowVol:-0.9,,6,30,3.7,trailing 8%,135,18.8,Bull,12.7,4.67,3.0,87,0,43,37,false,Buy,Add to core equity +1%,21,2,BrokerC,VWAP,89,None,None,Normal monitoring,50,-15,14,5,false,Within IPS guidelines
P3862,Hands-off,401k,USD,2025-08-28,172863,15585,157278,1.0,57.8,17.9,15.5,8.8,BRK.B:24.0%;HYG:24.0%;TLT:24.0%;VTI:11.1%;AAPL:16.8%,US:70.4;EU:8.8;APAC:10.4;EM:7.6;Other:2.7,Value:0.0;Growth:-1.0;Quality:-0.8;Size:0.0;Momentum:-0.1;LowVol:-0.4,NoDerivatives,8,30,4.0,trailing 8%,112,18.6,Volatile,30.6,5.13,4.4,173,44,70,78,true,Reduce,"Cut high-beta by 2-3%, add cash",28,0,BrokerD,MKT,94,VAR>budget,Hedge,Risk above budget threshold,4,-15,71,5,false,Tighten stops on momentum names
P3863,Systematic,IRA,USD,2025-03-31,435400,19030,416370,1.0,56.4,31.1,3.8,8.7,AMZN:34.2%;BRK.B:31.6%;GLD:34.2%,US:59.4;EU:13.9;APAC:10.0;EM:12.4;Other:4.2,Value:-0.3;Growth:-0.2;Quality:-0.3;Size:+0.7;Momentum:+0.4;LowVol:+0.6,,6,25,4.1,hard 12%,129,25.4,Bull,11.4,3.85,2.7,98,65,91,27,true,Reduce,"Cut high-beta by 2-3%, add cash",23,-22,BrokerD,LMT,92,VAR>budget,Reduce,Risk above budget threshold,103,-20,95,2,false,Tax-aware sells next window
P3864,Opportunistic,401k,USD,2024-07-09,1442869,57231,1385638,1.22,76.3,14.4,2.7,6.7,MSFT:13.5%;HYG:22.1%;IEF:20.1%;TLT:22.1%;VTI:22.1%,US:73.5;EU:13.6;APAC:8.2;EM:3.9;Other:0.8,Value:-0.8;Growth:-0.9;Quality:-0.3;Size:+0.5;Momentum:-0.3;LowVol:+0.3,,8,30,6.3,trailing 9%,275,29.0,Sideways,19.7,4.74,3.0,90,-2,48,67,false,NoAction,Within bands; monitor,-6,-40,BrokerD,VWAP,94,None,None,Normal monitoring,100,15,101,5,false,Tighten stops on momentum names
P3865,Active,IRA,USD,2025-01-20,986497,112895,873602,1.05,60.0,30.1,0.0,9.9,MSFT:15.4%;VTI:9.0%;XLF:20.9%;GLD:20.9%;AMZN:20.9%;TSLA:13.0%,US:66.4;EU:8.5;APAC:14.4;EM:7.0;Other:3.7,Value:+0.5;Growth:-0.8;Quality:-0.4;Size:-0.5;Momentum:-0.0;LowVol:+0.5,MaxPos8%,8,35,5.1,hard 12%,159,26.7,Sideways,16.8,4.33,3.4,127,5,58,51,false,Sell,Trim extended winner -1%,16,-2,BrokerC,MKT,95,None,None,Normal monitoring,-58,-20,63,5,false,Increase defensive factor exposure
P3866,Hands-off,401k,USD,2025-07-29,281193,12682,268511,1.0,67.1,25.9,0.5,6.5,MSFT:33.6%;MUB:32.7%;TSLA:33.6%,US:65.8;EU:16.4;APAC:6.9;EM:8.2;Other:2.6,Value:-0.9;Growth:-0.6;Quality:-0.0;Size:+0.3;Momentum:+1.0;LowVol:-0.3,NoDerivatives,7,30,4.0,hard 10%,164,16.2,Volatile,20.3,4.69,3.4,179,-8,61,52,false,Rebalance,Shift +1% to bonds from equity,16,-1,BrokerD,LMT,98,None,None,Normal monitoring,8,-14,-13,5,false,Increase defensive factor exposure
P3867,Hands-off,Roth,USD,2024-07-13,748070,39420,708650,1.0,59.4,17.6,13.8,9.2,HYG:18.4%;GLD:22.3%;MUB:29.6%;MSFT:29.6%,US:67.4;EU:17.4;APAC:5.5;EM:8.5;Other:1.2,Value:+0.5;Growth:+0.8;Quality:+0.3;Size:-0.2;Momentum:-0.3;LowVol:+0.4,ESGOnly,7,25,4.2,trailing 8%,164,13.5,Bear,29.6,3.5,2.9,176,-19,51,68,false,Hedge,Add TLT +1% as duration hedge,25,9,BrokerA,MKT,86,None,None,Normal monitoring,3,-26,7,3,false,Tax-aware sells next window
P3868,Hands-off,Taxable,USD,2025-10-23,739348,70398,668950,1.0,65.8,18.4,10.0,5.8,VNQ:25.3%;TSLA:25.3%;QQQ:25.3%;MSFT:24.0%,US:74.2;EU:11.2;APAC:8.8;EM:3.0;Other:2.8,Value:-0.8;Growth:-0.2;Quality:+0.5;Size:+0.7;Momentum:-1.0;LowVol:-0.9,ESGOnly,7,35,3.6,trailing 8%,98,15.2,Volatile,31.0,4.33,2.1,134,-48,11,80,true,Hedge,Buy index puts 1% notional,15,-1,BrokerD,LMT,100,VAR>budget,Reduce,Risk above budget threshold,-43,-2,57,4,false,Increase defensive factor exposure
P3869,Active,IRA,USD,2025-08-24,1080195,83957,996238,1.0,62.9,19.5,11.1,6.4,MSFT:27.8%;VTI:22.0%;TSLA:22.3%;AMZN:27.8%,US:65.2;EU:15.8;APAC:6.9;EM:9.2;Other:2.8,Value:+0.1;Growth:+0.7;Quality:+0.7;Size:-0.3;Momentum:+0.8;LowVol:+0.1,,10,25,5.1,trailing 9%,148,23.8,Sideways,14.0,3.82,3.1,121,37,70,36,true,Rebalance,Rebalance back to target bands,-13,15,BrokerA,VWAP,98,Drift>tolerance,Hedge,Allocation drift beyond policy bands,75,-41,135,2,false,Tax-aware sells next window
P3870,Systematic,401k,USD,2024-10-07,722002,56763,665239,1.0,63.8,30.6,0.0,5.6,MSFT:33.3%;QQQ:33.3%;VOO:33.3%,US:59.9;EU:13.6;APAC:13.7;EM:11.5;Other:1.3,Value:+1.0;Growth:-0.8;Quality:-0.3;Size:+0.8;Momentum:-0.9;LowVol:-0.4,,10,25,5.2,trailing 9%,221,23.5,Volatile,21.8,3.88,2.1,164,-5,42,71,true,Hedge,Buy index puts 1% notional,25,-39,BrokerB,LMT,99,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-24,-60,-31,4,false,Within IPS guidelines
P3871,Hands-off,Trust,USD,2025-12-15,594891,32863,562028,1.0,56.3,27.3,7.8,8.5,MSFT:22.9%;BND:23.1%;TLT:12.6%;XLF:23.1%;VTI:18.3%,US:59.7;EU:16.1;APAC:12.0;EM:10.8;Other:1.4,Value:-0.8;Growth:-0.3;Quality:-0.0;Size:+0.2;Momentum:-0.4;LowVol:-0.2,ESGOnly;NoDerivatives,10,35,4.2,trailing 10%,133,15.6,Volatile,28.4,5.48,3.7,141,-29,36,62,false,Sell,Trim extended winner -1%,20,-28,BrokerA,MKT,98,None,None,Normal monitoring,105,9,242,4,false,Within IPS guidelines
P3872,Systematic,401k,USD,2025-04-05,1822685,89314,1733371,1.0,56.7,34.3,3.5,5.5,GLD:33.3%;VTI:33.3%;VNQ:33.3%,US:58.4;EU:19.7;APAC:13.2;EM:8.2;Other:0.6,Value:-0.5;Growth:0.0;Quality:+0.2;Size:+0.1;Momentum:+0.4;LowVol:+0.2,,10,35,5.0,trailing 8%,181,24.9,Bull,11.3,4.64,2.6,110,74,84,31,false,NoAction,Within bands; monitor,0,-3,BrokerB,LMT,98,None,None,Normal monitoring,-42,0,-15,5,false,Monitor dispersion and breadth
P3873,Cautious,IRA,USD,2024-12-29,267688,35309,232379,1.0,44.2,40.5,3.7,11.7,BRK.B:21.7%;XLF:21.7%;MSFT:13.0%;TSLA:7.1%;HYG:17.1%;VTI:19.4%,US:75.1;EU:11.7;APAC:6.7;EM:6.4;Other:0.1,Value:-0.7;Growth:+0.8;Quality:-0.3;Size:+0.4;Momentum:-0.3;LowVol:-0.4,MaxPos5%;NoDerivatives;NoMargin,7,25,4.3,hard 10%,152,19.4,Bull,11.0,4.51,3.0,100,61,86,31,false,Rebalance,Shift +1% to bonds from equity,3,-19,BrokerB,MKT,88,None,None,Normal monitoring,-22,-26,-26,5,false,Within IPS guidelines
P3874,Hands-off,IRA,USD,2024-11-11,775853,55524,720329,1.0,68.9,20.4,5.5,5.3,MSFT:28.1%;TLT:15.6%;BND:28.1%;QQQ:28.1%,US:64.8;EU:19.2;APAC:5.9;EM:6.1;Other:4.1,Value:+0.6;Growth:+0.7;Quality:-0.8;Size:-0.7;Momentum:-0.1;LowVol:+0.7,NoDerivatives,10,35,4.4,trailing 8%,102,20.0,Bear,33.4,3.71,1.4,138,-65,5,85,true,Reduce,"Cut high-beta by 2-3%, add cash",2,-9,BrokerA,MKT,98,Drift>tolerance,Pause,Allocation drift beyond policy bands,101,-13,164,2,false,Within IPS guidelines
P3875,Cautious,Trust,USD,2025-02-16,150738,13142,137596,1.0,48.3,40.3,0.0,11.5,IEF:27.7%;VNQ:27.7%;MUB:16.8%;MSFT:27.7%,US:74.6;EU:10.5;APAC:7.8;EM:4.9;Other:2.2,Value:-0.5;Growth:+0.2;Quality:-0.5;Size:+0.4;Momentum:+0.1;LowVol:-0.9,NoMargin,10,35,5.0,trailing 8%,93,19.7,Sideways,16.8,4.86,2.9,108,36,55,42,true,Rebalance,Rebalance back to target bands,-14,-26,BrokerA,MKT,87,Drift>tolerance,Reduce,Allocation drift beyond policy bands,105,4,212,2,false,Monitor dispersion and breadth
P3876,Systematic,Taxable,USD,2024-12-12,973622,66659,906963,1.0,65.3,21.5,6.0,7.1,VOO:25.0%;GLD:25.0%;VTI:25.0%;IEF:25.0%,US:75.4;EU:10.9;APAC:7.2;EM:5.7;Other:0.8,Value:-0.3;Growth:-0.2;Quality:+0.8;Size:+0.8;Momentum:+0.5;LowVol:-0.9,MaxPos6%,6,25,4.1,trailing 9%,198,17.0,Sideways,21.4,4.11,2.0,121,18,55,54,false,NoAction,Within bands; monitor,-15,-29,BrokerD,MKT,0,None,None,Normal monitoring,-20,-27,111,5,false,Within IPS guidelines
P3877,Cautious,401k,USD,2025-05-15,431179,50971,380208,1.0,43.2,38.1,1.1,17.6,AMZN:21.6%;VOO:26.1%;BND:26.1%;TLT:26.1%,US:70.2;EU:12.3;APAC:6.1;EM:7.4;Other:4.0,Value:+0.2;Growth:-0.8;Quality:+0.8;Size:+0.2;Momentum:-0.2;LowVol:-0.8,MaxPos6%;NoMargin,5,25,3.4,hard 10%,117,15.7,Sideways,21.3,3.83,2.9,137,18,65,49,false,Rebalance,Shift +1% to bonds from equity,7,15,BrokerD,MKT,95,None,None,Normal monitoring,-46,-46,-78,4,false,Tax-aware sells next window
P3878,Hands-off,401k,USD,2024-12-29,626554,38186,588368,1.0,60.6,29.9,1.2,8.3,MSFT:23.9%;AAPL:23.9%;TSLA:8.5%;QQQ:19.8%;TLT:23.9%,US:62.5;EU:10.4;APAC:9.7;EM:12.6;Other:4.9,Value:+1.0;Growth:-0.2;Quality:+0.4;Size:+0.7;Momentum:+0.3;LowVol:+0.4,ESGOnly;NoDerivatives,8,30,5.6,trailing 10%,170,14.8,Volatile,26.0,4.79,3.1,165,-45,36,63,false,Sell,Trim extended winner -1%,25,2,BrokerA,VWAP,98,None,None,Normal monitoring,58,-5,42,4,false,Monitor dispersion and breadth
P3879,Cautious,IRA,USD,2025-10-14,195835,19082,176753,1.0,48.3,36.1,0.0,15.6,IEF:25.4%;BND:25.4%;QQQ:23.8%;VTI:25.4%,US:70.2;EU:13.0;APAC:6.6;EM:8.4;Other:1.8,Value:-0.8;Growth:-0.2;Quality:-0.9;Size:+0.2;Momentum:-0.4;LowVol:+0.5,NoMargin,10,25,3.9,hard 10%,130,12.7,Bull,15.1,3.93,3.5,83,17,47,33,false,Rebalance,Shift +1% to bonds from equity,-7,-8,BrokerD,LMT,96,None,None,Normal monitoring,-31,-50,21,3,false,Tax-aware sells next window
P3880,Active,IRA,USD,2024-09-15,1096471,111026,985445,1.0,60.2,27.5,3.1,9.2,VTI:25.6%;AMZN:25.6%;BND:23.3%;TLT:25.6%,US:66.8;EU:11.4;APAC:9.3;EM:10.5;Other:2.0,Value:+0.1;Growth:-0.8;Quality:-0.9;Size:+0.5;Momentum:+0.4;LowVol:+0.1,,6,30,5.2,hard 12%,178,24.3,Volatile,25.7,4.25,2.5,175,-48,20,58,false,Rebalance,Shift +1% to bonds from equity,30,3,BrokerC,LMT,99,None,None,Normal monitoring,-48,5,43,5,false,Monitor dispersion and breadth
P3881,Active,401k,USD,2024-11-17,946059,61371,884688,1.0,59.6,24.1,9.8,6.5,BRK.B:12.8%;VTI:22.4%;TLT:22.4%;VNQ:20.2%;HYG:22.4%,US:63.9;EU:13.0;APAC:13.1;EM:8.8;Other:1.2,Value:-0.2;Growth:-0.4;Quality:-0.9;Size:-0.3;Momentum:+0.6;LowVol:+0.8,,6,35,4.6,trailing 9%,136,18.9,Sideways,20.7,4.06,3.2,92,46,79,63,false,Rebalance,Shift +1% to bonds from equity,-6,12,BrokerB,VWAP,90,None,None,Normal monitoring,28,12,18,5,false,Increase defensive factor exposure
P3882,Hands-off,Taxable,USD,2025-01-15,848812,56679,792133,1.0,56.6,24.1,10.6,8.6,BND:21.9%;TLT:26.0%;MSFT:26.0%;AAPL:26.0%,US:76.5;EU:9.0;APAC:6.2;EM:8.2;Other:0.2,Value:-0.8;Growth:+0.4;Quality:-0.6;Size:+0.8;Momentum:-1.0;LowVol:+0.3,NoDerivatives,8,25,4.2,trailing 10%,107,13.8,Volatile,31.6,5.26,3.2,155,24,74,78,true,Hedge,Buy index puts 1% notional,35,-7,BrokerA,LMT,86,VAR>budget,Hedge,Risk above budget threshold,-9,-15,68,4,false,Within IPS guidelines
P3883,Opportunistic,401k,USD,2025-10-09,742954,64499,678455,1.0,62.8,10.1,19.7,7.3,XLF:19.6%;TSLA:21.0%;QQQ:15.1%;TLT:21.0%;IEF:8.3%;VOO:15.1%,US:67.9;EU:10.7;APAC:12.3;EM:4.2;Other:4.8,Value:0.0;Growth:-1.0;Quality:+0.8;Size:+0.3;Momentum:+0.6;LowVol:+0.7,,6,35,5.0,trailing 7%,164,28.1,Bull,13.4,3.87,2.7,114,40,60,48,false,Sell,Trim extended winner -1%,12,-5,BrokerB,VWAP,92,None,None,Normal monitoring,42,15,77,5,false,Within IPS guidelines
P3884,Cautious,IRA,USD,2025-08-12,254551,24403,230148,1.0,47.7,30.3,9.2,12.8,BRK.B:33.3%;BND:33.3%;IEF:33.3%,US:71.6;EU:9.6;APAC:7.4;EM:8.4;Other:3.1,Value:-0.8;Growth:-0.5;Quality:+0.5;Size:+0.2;Momentum:-0.6;LowVol:-0.8,ESGOnly;NoMargin,5,35,4.3,trailing 8%,110,12.9,Sideways,16.1,4.37,3.3,135,-26,32,31,true,Reduce,"Cut high-beta by 2-3%, add cash",19,-28,BrokerA,LMT,97,VAR>budget,Hedge,Risk above budget threshold,83,-5,93,5,false,Increase defensive factor exposure
P3885,Hands-off,IRA,USD,2025-05-01,215067,18373,196694,1.0,57.8,16.2,16.1,9.9,IEF:21.2%;BND:21.2%;BRK.B:17.6%;AAPL:7.4%;MSFT:11.5%;TLT:21.2%,US:69.1;EU:13.6;APAC:8.3;EM:6.4;Other:2.6,Value:-0.9;Growth:+0.8;Quality:-0.9;Size:+0.1;Momentum:+0.3;LowVol:+0.6,NoDerivatives,6,25,4.7,trailing 8%,132,14.8,Bear,29.7,3.96,1.1,216,-88,16,80,true,Rebalance,Rebalance back to target bands,-10,14,BrokerA,LMT,97,RegimeShift,Hedge,Volatility spike and breadth deterioration,-6,-37,133,5,false,Increase defensive factor exposure
P3886,Active,Trust,USD,2024-12-23,625761,42093,583668,1.0,51.7,27.1,14.5,6.7,VTI:33.5%;GLD:33.5%;VNQ:32.9%,US:59.5;EU:15.9;APAC:15.1;EM:5.7;Other:3.8,Value:-0.3;Growth:-0.4;Quality:+0.1;Size:-0.6;Momentum:-0.8;LowVol:-0.7,,7,35,5.1,hard 12%,147,17.7,Sideways,16.9,4.95,3.1,117,-28,48,53,false,Hedge,Add TLT +1% as duration hedge,24,10,BrokerC,VWAP,98,None,None,Normal monitoring,102,-10,62,5,false,Increase defensive factor exposure
P3887,Hands-off,Roth,USD,2025-07-17,786558,56519,730039,1.0,67.1,24.8,0.0,8.2,AAPL:22.6%;TSLA:14.2%;VOO:11.1%;GLD:22.6%;MSFT:15.6%;MUB:14.0%,US:61.8;EU:17.6;APAC:10.7;EM:5.3;Other:4.6,Value:-0.6;Growth:-1.0;Quality:-0.9;Size:-0.0;Momentum:+0.3;LowVol:+0.5,ESGOnly,6,30,4.7,trailing 10%,107,18.6,Volatile,21.3,4.75,3.2,142,52,80,54,false,Rebalance,Shift +1% to bonds from equity,27,-7,BrokerB,VWAP,90,None,None,Normal monitoring,-54,16,42,3,false,Monitor dispersion and breadth
P3888,Opportunistic,Taxable,USD,2025-08-20,980907,35361,945546,1.0,70.5,10.8,12.5,6.3,AMZN:25.0%;TSLA:25.0%;IEF:25.0%;BRK.B:25.0%,US:70.2;EU:18.3;APAC:6.8;EM:3.6;Other:1.1,Value:+0.5;Growth:0.0;Quality:-0.6;Size:+0.3;Momentum:+0.8;LowVol:+0.7,MaxPos8%,6,30,4.2,hard 12%,178,26.2,Volatile,30.9,3.94,4.0,131,-55,23,87,true,Hedge,Buy index puts 1% notional,17,12,BrokerD,MKT,92,VAR>budget,TightenStops,Risk above budget threshold,83,9,190,5,false,Tax-aware sells next window
P3889,Opportunistic,IRA,USD,2025-05-20,1142408,81539,1060869,1.0,74.1,11.8,6.1,8.0,BRK.B:25.8%;HYG:25.8%;AMZN:22.7%;TLT:25.8%,US:56.4;EU:21.5;APAC:11.4;EM:9.0;Other:1.7,Value:+0.6;Growth:-0.1;Quality:-0.5;Size:-0.5;Momentum:-0.1;LowVol:-0.1,NoDerivatives,6,35,5.3,trailing 9%,160,32.8,Bull,17.7,3.81,2.7,80,90,82,60,false,Buy,Add to core equity +1%,27,15,BrokerB,LMT,88,None,None,Normal monitoring,98,-58,84,4,false,Monitor dispersion and breadth
P3890,Hands-off,Roth,USD,2024-11-25,569956,23648,546308,1.0,61.7,28.2,1.2,8.9,TSLA:33.3%;XLF:33.3%;VOO:33.3%,US:71.0;EU:15.2;APAC:6.2;EM:3.8;Other:3.8,Value:+0.1;Growth:+0.6;Quality:+0.8;Size:+1.0;Momentum:+0.2;LowVol:+0.4,NoDerivatives,6,35,5.8,hard 10%,121,14.7,Bear,31.7,4.23,1.4,206,-51,33,82,true,Rebalance,Rebalance back to target bands,30,-6,BrokerA,MKT,86,RegimeShift,TightenStops,Volatility spike and breadth deterioration,94,-12,149,4,false,Tax-aware sells next window
P3891,Systematic,Roth,USD,2025-10-18,1921824,161760,1760064,1.0,64.3,21.7,7.7,6.2,QQQ:22.9%;MSFT:28.3%;BRK.B:20.5%;XLF:28.3%,US:72.5;EU:10.0;APAC:10.4;EM:5.2;Other:1.8,Value:-0.5;Growth:+0.5;Quality:-0.5;Size:+1.0;Momentum:-0.0;LowVol:+0.9,MaxPos7%,10,35,5.4,trailing 8%,175,20.6,Sideways,15.9,3.81,3.3,93,2,60,42,false,Hedge,Add TLT +1% as duration hedge,21,4,BrokerA,MKT,94,None,None,Normal monitoring,-51,-40,-16,4,false,Tighten stops on momentum names
P3892,Active,401k,USD,2024-07-05,2094477,222565,1871912,1.0,56.3,24.3,10.0,9.4,VTI:20.4%;XLF:15.9%;IEF:19.7%;AAPL:15.4%;VOO:10.1%;MUB:18.5%,US:65.2;EU:15.2;APAC:8.8;EM:7.3;Other:3.5,Value:+0.7;Growth:+0.5;Quality:+0.6;Size:-0.2;Momentum:+1.0;LowVol:+1.0,NoDerivatives,8,35,4.8,trailing 9%,150,21.9,Volatile,22.3,5.21,4.4,160,-57,25,63,false,Buy,Add to core equity +1%,-13,-8,BrokerC,VWAP,99,None,None,Normal monitoring,62,-16,104,4,false,Tighten stops on momentum names
P3893,Systematic,Roth,USD,2025-07-14,1380569,56639,1323930,1.0,61.0,20.3,11.6,7.1,VOO:8.1%;TLT:21.2%;HYG:21.2%;VNQ:10.5%;MUB:17.8%;MSFT:21.2%,US:62.6;EU:13.5;APAC:9.7;EM:12.5;Other:1.8,Value:-1.0;Growth:+0.9;Quality:-0.1;Size:-0.0;Momentum:-0.2;LowVol:+0.4,,8,25,4.0,trailing 9%,201,27.2,Bull,12.6,3.98,2.6,82,119,100,48,false,NoAction,Within bands; monitor,-10,-34,BrokerD,MKT,0,None,None,Normal monitoring,21,-23,4,5,false,Tighten stops on momentum names
P3894,Active,Taxable,USD,2024-08-09,1162958,109396,1053562,1.0,60.5,24.7,7.7,7.1,VTI:37.8%;VNQ:37.8%;XLF:24.4%,US:69.4;EU:16.2;APAC:7.0;EM:6.8;Other:0.6,Value:+0.6;Growth:-0.2;Quality:+0.1;Size:+0.2;Momentum:-0.8;LowVol:+0.9,MaxPos6%,7,30,4.9,trailing 9%,126,27.0,Volatile,29.4,3.97,2.9,118,-21,40,65,false,NoAction,Within bands; monitor,-5,6,BrokerD,MKT,0,None,None,Normal monitoring,118,-53,146,5,false,Increase defensive factor exposure
P3895,Opportunistic,Trust,USD,2025-03-11,1757193,112361,1644832,1.0,73.4,17.0,3.5,6.2,VNQ:10.9%;XLF:23.3%;TLT:23.0%;HYG:23.3%;IEF:19.6%,US:72.2;EU:6.9;APAC:14.6;EM:3.2;Other:3.2,Value:-0.9;Growth:-0.9;Quality:+0.1;Size:-0.2;Momentum:+0.4;LowVol:+0.4,NoDerivatives,5,25,5.6,trailing 7%,264,23.5,Bear,27.4,3.72,1.7,176,-104,9,81,true,Hedge,Buy index puts 1% notional,7,0,BrokerC,LMT,90,VAR>budget,Hedge,Risk above budget threshold,-22,-3,56,5,false,Monitor dispersion and breadth
P3896,Active,401k,USD,2025-08-03,822141,82831,739310,1.0,50.1,22.8,18.7,8.3,BRK.B:14.1%;AMZN:28.6%;TSLA:28.6%;VNQ:28.6%,US:71.9;EU:8.7;APAC:11.1;EM:8.2;Other:0.1,Value:-0.3;Growth:-0.7;Quality:-0.2;Size:+0.3;Momentum:-0.6;LowVol:-0.8,,5,30,4.9,trailing 8%,228,17.2,Volatile,26.2,3.97,3.2,150,54,88,70,false,Buy,Add to core equity +1%,28,-14,BrokerA,MKT,86,None,None,Normal monitoring,102,-39,131,5,false,Monitor dispersion and breadth
P3897,Hands-off,Taxable,USD,2025-03-05,341457,17242,324215,1.0,71.4,15.7,7.3,5.7,MUB:27.2%;IEF:27.2%;TSLA:24.5%;AAPL:21.2%,US:62.2;EU:15.5;APAC:10.7;EM:11.3;Other:0.3,Value:-0.6;Growth:+0.6;Quality:+0.7;Size:-0.3;Momentum:+0.7;LowVol:+0.8,NoDerivatives,6,35,5.2,trailing 10%,105,19.2,Volatile,27.1,3.7,3.2,145,10,65,77,true,Reduce,"Cut high-beta by 2-3%, add cash",10,-34,BrokerD,LMT,93,RegimeShift,Reduce,Volatility spike and breadth deterioration,-8,-58,131,4,false,Monitor dispersion and breadth
P3898,Systematic,401k,USD,2025-05-09,703394,47171,656223,1.0,56.2,31.1,5.5,7.1,QQQ:14.6%;HYG:28.5%;MSFT:28.5%;TLT:28.5%,US:65.4;EU:8.7;APAC:7.5;EM:13.8;Other:4.6,Value:+0.8;Growth:-0.6;Quality:-0.2;Size:-0.4;Momentum:-0.4;LowVol:+0.8,,6,25,4.1,trailing 9%,216,26.5,Sideways,19.7,4.9,3.4,132,35,67,53,false,NoAction,Within bands; monitor,-5,2,BrokerD,MKT,0,None,None,Normal monitoring,96,-14,168,4,false,Tax-aware sells next window
P3899,Systematic,Trust,USD,2025-02-12,1513622,136522,1377100,1.0,60.5,21.1,10.2,8.2,MSFT:25.0%;VTI:25.0%;TLT:25.0%;AMZN:25.0%,US:59.3;EU:21.1;APAC:14.1;EM:3.7;Other:1.8,Value:-0.2;Growth:+0.4;Quality:+0.7;Size:-0.5;Momentum:+0.7;LowVol:-0.4,MaxPos7%;NoDerivatives,8,35,4.9,trailing 9%,124,22.1,Sideways,19.9,3.82,3.0,121,28,62,58,false,Hedge,Add TLT +1% as duration hedge,2,-21,BrokerD,VWAP,85,None,None,Normal monitoring,10,9,120,4,false,Monitor dispersion and breadth
P3900,Systematic,Roth,USD,2025-01-04,1873594,114325,1759269,1.0,57.4,22.0,12.9,7.6,XLF:24.2%;IEF:10.8%;VNQ:16.6%;TLT:24.2%;AMZN:24.2%,US:58.4;EU:15.2;APAC:15.6;EM:9.7;Other:1.2,Value:-0.3;Growth:-0.7;Quality:+0.1;Size:+0.7;Momentum:-0.4;LowVol:-0.7,,10,25,4.5,trailing 9%,172,22.8,Bear,22.8,3.05,2.0,182,-14,35,70,false,Buy,Add to core equity +1%,15,0,BrokerD,VWAP,87,None,None,Normal monitoring,-54,-57,55,3,false,Increase defensive factor exposure
P3901,Opportunistic,Trust,USD,2025-05-25,991686,68439,923247,1.0,69.4,20.3,2.0,8.2,TSLA:14.0%;BRK.B:21.7%;VTI:21.7%;GLD:21.0%;MUB:21.7%,US:71.9;EU:12.6;APAC:9.6;EM:2.9;Other:2.9,Value:+0.1;Growth:+0.9;Quality:+0.9;Size:-0.2;Momentum:+1.0;LowVol:+0.9,MaxPos6%;NoDerivatives,5,35,6.5,hard 12%,193,22.4,Sideways,15.0,3.99,2.4,134,-19,35,59,false,Rebalance,Shift +1% to bonds from equity,5,-9,BrokerC,LMT,94,None,None,Normal monitoring,66,-9,122,4,false,Monitor dispersion and breadth
P3902,Opportunistic,Roth,USD,2025-09-17,585138,39691,545447,1.18,72.4,20.3,0.0,7.3,VOO:14.2%;AAPL:24.2%;VNQ:13.1%;MUB:24.2%;VTI:24.2%,US:67.5;EU:13.0;APAC:9.1;EM:8.9;Other:1.5,Value:+0.4;Growth:-0.3;Quality:+0.9;Size:+0.5;Momentum:-0.8;LowVol:+0.3,NoDerivatives,6,35,5.7,trailing 7%,188,33.8,Bull,15.3,4.42,2.9,76,28,56,48,true,Rebalance,Rebalance back to target bands,-3,-34,BrokerA,MKT,87,Drift>tolerance,Hedge,Allocation drift beyond policy bands,83,-48,111,5,false,Increase defensive factor exposure
P3903,Active,401k,USD,2025-03-18,2010040,239369,1770671,1.0,68.5,20.6,2.2,8.7,BND:33.3%;GLD:33.3%;VNQ:33.3%,US:67.9;EU:9.6;APAC:10.3;EM:9.5;Other:2.6,Value:+0.7;Growth:+0.6;Quality:+0.4;Size:+0.8;Momentum:+0.2;LowVol:+0.1,,5,30,5.9,hard 12%,190,26.1,Sideways,19.8,3.92,2.1,115,2,65,62,true,Hedge,Buy index puts 1% notional,-3,-18,BrokerA,LMT,86,Drift>tolerance,Hedge,Allocation drift beyond policy bands,69,2,180,2,false,Increase defensive factor exposure
P3904,Hands-off,Roth,USD,2025-07-11,412743,25804,386939,1.0,64.0,22.4,4.3,9.3,AMZN:33.4%;VOO:33.4%;VTI:33.2%,US:72.1;EU:11.9;APAC:7.9;EM:7.3;Other:0.8,Value:-0.9;Growth:-0.5;Quality:+0.6;Size:-0.3;Momentum:-0.6;LowVol:+0.8,,6,35,3.3,hard 10%,142,17.3,Volatile,27.6,3.78,4.1,154,48,70,77,true,Hedge,Buy index puts 1% notional,4,-14,BrokerC,LMT,98,VAR>budget,Hedge,Risk above budget threshold,20,3,5,2,false,Tax-aware sells next window
P3905,Opportunistic,Taxable,USD,2024-11-12,997305,58459,938846,1.0,65.1,11.7,16.6,6.7,VOO:24.2%;TSLA:23.0%;AAPL:14.7%;GLD:14.0%;QQQ:24.2%,US:70.6;EU:9.2;APAC:13.2;EM:6.9;Other:0.1,Value:-0.7;Growth:-0.4;Quality:0.0;Size:+0.4;Momentum:+0.6;LowVol:-0.7,MaxPos8%,7,25,6.3,trailing 9%,262,29.4,Volatile,28.4,4.71,4.0,124,66,73,69,false,Buy,Add to core equity +1%,34,-16,BrokerA,MKT,86,None,None,Normal monitoring,-20,9,98,3,false,Tighten stops on momentum names
P3906,Systematic,Roth,USD,2024-09-10,693383,63768,629615,1.0,65.5,21.7,4.5,8.3,AMZN:25.8%;TLT:25.8%;GLD:25.8%;VNQ:22.5%,US:73.0;EU:9.4;APAC:10.3;EM:3.5;Other:3.8,Value:-0.2;Growth:+0.6;Quality:+0.9;Size:-0.8;Momentum:-0.9;LowVol:-0.5,MaxPos7%,10,35,5.1,trailing 8%,163,27.0,Volatile,27.7,4.77,2.5,146,70,84,84,true,Rebalance,Rebalance back to target bands,-9,-17,BrokerD,LMT,97,Drift>tolerance,Reduce,Allocation drift beyond policy bands,13,-13,144,2,false,Tax-aware sells next window
P3907,Active,401k,USD,2025-11-29,1217571,124575,1092996,1.12,60.9,21.9,10.2,7.0,MUB:21.2%;BND:19.1%;BRK.B:15.6%;VNQ:10.5%;TLT:12.4%;QQQ:21.2%,US:62.3;EU:17.6;APAC:10.4;EM:8.5;Other:1.4,Value:-0.4;Growth:+0.9;Quality:-1.0;Size:0.0;Momentum:-0.2;LowVol:-0.4,NoDerivatives,7,30,6.0,trailing 8%,123,24.2,Bull,12.8,3.55,2.6,98,71,99,35,false,Sell,Trim extended winner -1%,25,-28,BrokerB,MKT,90,None,None,Normal monitoring,58,-59,111,4,false,Tax-aware sells next window
P3908,Systematic,401k,USD,2025-12-24,540366,51123,489243,1.0,65.3,25.2,0.0,9.5,BRK.B:33.3%;MUB:33.3%;VOO:33.3%,US:64.9;EU:16.9;APAC:5.4;EM:9.3;Other:3.4,Value:-0.1;Growth:+0.2;Quality:+0.4;Size:+0.9;Momentum:-1.0;LowVol:-0.5,,10,25,4.4,trailing 8%,135,26.6,Sideways,16.0,4.0,2.4,136,-26,31,53,false,Buy,Add to core equity +1%,17,-19,BrokerD,MKT,93,None,None,Normal monitoring,104,11,92,4,false,Monitor dispersion and breadth
P3909,Active,Roth,USD,2025-04-21,1297355,117570,1179785,1.0,66.0,27.9,0.0,6.0,VOO:16.1%;GLD:14.2%;AAPL:11.4%;HYG:22.1%;TSLA:14.1%;MUB:22.1%,US:67.7;EU:17.0;APAC:11.1;EM:3.0;Other:1.2,Value:0.0;Growth:-0.7;Quality:+0.1;Size:-0.2;Momentum:-0.8;LowVol:+0.9,,8,30,5.1,trailing 9%,212,24.3,Bear,30.6,3.2,1.2,177,-96,8,83,true,Rebalance,Rebalance back to target bands,24,-8,BrokerB,LMT,93,RegimeShift,Hedge,Volatility spike and breadth deterioration,38,-31,74,5,false,Tighten stops on momentum names
P3910,Active,IRA,USD,2024-08-24,606430,63126,543304,1.0,58.9,25.5,6.1,9.5,BND:7.5%;HYG:18.0%;XLF:16.6%;BRK.B:15.4%;TLT:21.2%;TSLA:21.2%,US:60.1;EU:17.5;APAC:9.6;EM:11.2;Other:1.6,Value:+0.9;Growth:-0.7;Quality:+1.0;Size:-0.8;Momentum:-0.1;LowVol:+0.5,,6,30,5.2,trailing 9%,224,23.5,Bull,12.1,3.67,3.4,89,8,55,36,false,Rebalance,Shift +1% to bonds from equity,-1,-10,BrokerB,LMT,92,None,None,Normal monitoring,68,-1,208,3,false,Monitor dispersion and breadth
P3911,Active,IRA,USD,2025-04-18,2102924,149089,1953835,1.0,69.0,19.9,5.4,5.7,TLT:27.9%;QQQ:16.2%;AMZN:27.9%;AAPL:27.9%,US:65.6;EU:8.7;APAC:15.4;EM:5.9;Other:4.4,Value:+0.5;Growth:-0.8;Quality:+0.7;Size:-0.1;Momentum:-0.4;LowVol:-0.9,,8,25,4.5,trailing 8%,151,23.1,Bear,23.0,3.98,1.5,162,-79,11,57,false,Hedge,Add TLT +1% as duration hedge,-15,6,BrokerD,MKT,97,None,None,Normal monitoring,73,-55,181,3,false,Monitor dispersion and breadth
P3912,Opportunistic,Trust,USD,2025-04-14,633628,46268,587360,1.0,74.8,20.8,0.0,4.4,BRK.B:11.1%;HYG:19.9%;TSLA:17.9%;XLF:21.2%;VTI:21.2%;MUB:8.8%,US:70.6;EU:7.7;APAC:13.2;EM:8.3;Other:0.3,Value:-0.4;Growth:+0.7;Quality:+0.5;Size:-0.6;Momentum:-0.4;LowVol:+0.9,MaxPos6%,5,35,6.3,hard 12%,274,24.1,Bull,15.8,4.44,2.3,71,118,100,48,false,Rebalance,Shift +1% to bonds from equity,27,-35,BrokerD,LMT,90,None,None,Normal monitoring,44,-4,161,3,false,Monitor dispersion and breadth
P3913,Active,Taxable,USD,2024-11-26,2247417,263050,1984367,1.14,64.9,27.5,0.0,7.6,TSLA:23.1%;AAPL:15.2%;QQQ:23.6%;BND:23.6%;VTI:14.4%,US:55.2;EU:19.9;APAC:10.6;EM:10.8;Other:3.5,Value:-0.8;Growth:-0.9;Quality:+0.5;Size:+0.3;Momentum:+0.5;LowVol:-0.5,MaxPos6%,5,30,5.1,trailing 8%,149,27.9,Sideways,16.4,4.98,2.1,110,12,57,54,false,Buy,Add to core equity +1%,24,-24,BrokerD,VWAP,88,None,None,Normal monitoring,-58,-43,50,5,false,Within IPS guidelines
P3914,Opportunistic,401k,USD,2025-08-28,1455780,97268,1358512,1.0,72.9,16.5,4.7,5.9,HYG:29.4%;QQQ:35.3%;BRK.B:35.3%,US:73.9;EU:7.8;APAC:9.1;EM:8.1;Other:1.1,Value:+0.3;Growth:-0.3;Quality:+0.8;Size:+0.2;Momentum:-0.4;LowVol:+0.3,MaxPos8%,7,35,6.7,trailing 9%,280,26.2,Bull,15.3,4.41,2.1,97,40,66,44,false,Buy,Add to core equity +1%,9,0,BrokerC,LMT,93,None,None,Normal monitoring,78,-10,124,3,false,Tax-aware sells next window
P3915,Hands-off,401k,USD,2025-05-31,733461,65547,667914,1.0,62.1,15.6,12.4,10.0,HYG:33.3%;TSLA:33.3%;BRK.B:33.3%,US:63.3;EU:9.5;APAC:16.5;EM:10.5;Other:0.3,Value:+0.2;Growth:+0.2;Quality:+0.8;Size:-0.8;Momentum:-0.3;LowVol:-0.2,ESGOnly;MaxPos8%;NoDerivatives,10,30,4.5,trailing 8%,113,18.3,Bull,12.2,4.34,2.5,90,88,86,49,false,Sell,Trim extended winner -1%,17,-4,BrokerB,MKT,97,None,None,Normal monitoring,103,-19,237,4,false,Tighten stops on momentum names
P3916,Hands-off,IRA,USD,2024-08-01,226250,13101,213149,1.0,64.7,15.8,13.9,5.6,BND:20.1%;QQQ:24.9%;BRK.B:12.3%;AAPL:17.8%;TLT:24.9%,US:68.5;EU:12.0;APAC:12.4;EM:2.7;Other:4.5,Value:-0.9;Growth:+1.0;Quality:-0.5;Size:-0.9;Momentum:+0.5;LowVol:-0.3,NoDerivatives,6,25,5.6,hard 10%,150,14.1,Bull,13.2,3.84,2.0,114,64,86,46,false,Sell,Trim extended winner -1%,19,15,BrokerA,VWAP,95,None,None,Normal monitoring,28,13,2,4,false,Increase defensive factor exposure
P3917,Active,Roth,USD,2024-10-23,1569344,160318,1409026,1.09,57.3,27.0,10.3,5.5,AMZN:36.2%;VTI:36.2%;TSLA:27.6%,US:55.6;EU:19.5;APAC:9.7;EM:10.4;Other:4.7,Value:-0.5;Growth:+0.6;Quality:+0.9;Size:-0.7;Momentum:-0.6;LowVol:-1.0,,5,25,4.4,trailing 9%,127,24.1,Volatile,29.9,5.08,2.8,118,73,84,72,true,Reduce,"Cut high-beta by 2-3%, add cash",-8,-38,BrokerD,VWAP,85,VAR>budget,Reduce,Risk above budget threshold,-59,17,-96,3,true,Within IPS guidelines
P3918,Hands-off,Taxable,USD,2024-10-01,803719,33317,770402,1.0,69.3,23.0,0.0,7.7,QQQ:17.2%;TLT:21.7%;XLF:10.6%;MUB:12.8%;BRK.B:17.0%;IEF:20.7%,US:73.0;EU:4.9;APAC:8.2;EM:9.3;Other:4.6,Value:+1.0;Growth:-0.6;Quality:+0.5;Size:-0.5;Momentum:+1.0;LowVol:-0.5,ESGOnly,10,35,5.8,hard 10%,113,19.8,Volatile,20.3,4.26,4.3,112,10,40,67,true,Rebalance,Rebalance back to target bands,22,-37,BrokerB,LMT,94,VAR>budget,Hedge,Risk above budget threshold,-6,-43,104,2,true,Increase defensive factor exposure
P3919,Opportunistic,401k,USD,2025-01-24,826965,32943,794022,1.0,62.0,13.6,16.8,7.6,AAPL:28.2%;BRK.B:17.0%;MSFT:26.6%;VNQ:28.2%,US:74.6;EU:10.4;APAC:7.7;EM:7.2;Other:0.1,Value:+0.8;Growth:+0.9;Quality:-0.5;Size:+0.1;Momentum:+0.3;LowVol:+0.4,MaxPos5%,7,35,6.0,hard 12%,268,27.0,Bear,24.8,3.67,1.1,217,-54,30,61,false,Buy,Add to core equity +1%,-11,8,BrokerA,LMT,90,None,None,Normal monitoring,-59,-17,32,5,false,Tax-aware sells next window
P3920,Hands-off,Roth,USD,2025-07-27,711039,30732,680307,1.0,60.5,28.2,5.4,5.9,BND:28.9%;VTI:28.9%;QQQ:28.9%;MUB:13.3%,US:66.8;EU:11.0;APAC:12.6;EM:5.1;Other:4.4,Value:-0.4;Growth:+0.5;Quality:+0.6;Size:+0.8;Momentum:-0.6;LowVol:-0.6,,8,25,3.9,trailing 8%,98,14.6,Bull,12.2,4.22,3.1,102,60,88,46,false,Buy,Add to core equity +1%,-14,-5,BrokerA,LMT,92,None,None,Normal monitoring,22,-57,117,5,false,Tighten stops on momentum names
P3921,Hands-off,Trust,USD,2025-04-23,452040,18844,433196,1.0,62.1,15.1,15.8,7.1,VNQ:21.4%;MSFT:16.5%;MUB:21.4%;QQQ:16.7%;BRK.B:8.6%;AAPL:15.4%,US:76.7;EU:5.9;APAC:9.9;EM:6.8;Other:0.6,Value:+1.0;Growth:+0.3;Quality:+0.4;Size:-1.0;Momentum:+0.8;LowVol:+0.5,MaxPos6%,10,25,3.4,trailing 8%,115,12.6,Bear,34.5,3.18,1.1,180,21,56,81,true,Reduce,"Cut high-beta by 2-3%, add cash",14,-34,BrokerB,LMT,92,VAR>budget,Reduce,Risk above budget threshold,103,-43,205,4,false,Within IPS guidelines
P3922,Opportunistic,IRA,USD,2025-10-30,1282985,103801,1179184,1.0,63.4,12.4,19.6,4.6,TLT:26.1%;VTI:26.1%;AMZN:26.1%;IEF:21.7%,US:63.5;EU:8.7;APAC:13.1;EM:10.8;Other:3.9,Value:-0.9;Growth:-0.4;Quality:+0.4;Size:+0.7;Momentum:+0.5;LowVol:+0.8,NoDerivatives,8,30,6.5,trailing 7%,210,30.0,Bear,24.9,4.0,1.1,218,-55,20,63,false,Rebalance,Shift +1% to bonds from equity,-10,9,BrokerB,MKT,98,None,None,Normal monitoring,30,3,62,5,false,Within IPS guidelines
P3923,Systematic,Trust,USD,2025-05-28,1105439,50326,1055113,1.0,61.3,31.8,0.0,6.9,BND:35.7%;XLF:35.7%;QQQ:28.5%,US:69.3;EU:11.4;APAC:7.3;EM:10.4;Other:1.6,Value:-0.1;Growth:+0.5;Quality:+1.0;Size:+0.3;Momentum:+0.1;LowVol:-0.4,,8,35,4.5,trailing 8%,146,19.9,Volatile,25.7,5.22,2.6,170,38,64,75,true,Reduce,"Cut high-beta by 2-3%, add cash",20,-25,BrokerD,LMT,92,VAR>budget,Hedge,Risk above budget threshold,84,-45,56,5,false,Tax-aware sells next window
P3924,Opportunistic,Trust,USD,2025-08-10,651379,38202,613177,1.21,68.8,20.9,3.9,6.4,TLT:22.0%;GLD:11.3%;HYG:22.2%;VTI:22.2%;MSFT:22.2%,US:62.2;EU:10.1;APAC:17.6;EM:4.4;Other:5.8,Value:+0.8;Growth:-0.8;Quality:+0.7;Size:+0.9;Momentum:+0.2;LowVol:-0.2,MaxPos6%,5,25,5.8,trailing 9%,190,34.3,Bull,15.5,4.59,2.2,81,46,86,44,false,Rebalance,Shift +1% to bonds from equity,32,-35,BrokerB,MKT,88,None,None,Normal monitoring,67,-26,147,5,false,Monitor dispersion and breadth
P3925,Hands-off,401k,USD,2025-05-01,811405,77634,733771,1.0,60.1,25.2,7.3,7.4,BND:15.3%;HYG:29.3%;BRK.B:26.1%;IEF:29.3%,US:67.3;EU:14.5;APAC:11.8;EM:3.6;Other:2.8,Value:+0.9;Growth:-0.7;Quality:+0.4;Size:+0.1;Momentum:+1.0;LowVol:-0.9,ESGOnly,10,35,4.3,trailing 8%,159,15.8,Bull,12.3,3.82,3.0,94,92,95,49,false,Rebalance,Shift +1% to bonds from equity,13,9,BrokerD,MKT,97,None,None,Normal monitoring,-8,-43,5,4,false,Tax-aware sells next window
P3926,Hands-off,Taxable,USD,2025-08-11,401039,25496,375543,1.0,67.0,26.8,0.0,6.2,HYG:12.2%;GLD:22.1%;IEF:9.9%;BRK.B:13.3%;VOO:22.1%;VNQ:20.4%,US:64.1;EU:17.7;APAC:6.8;EM:8.4;Other:3.0,Value:+0.9;Growth:+0.6;Quality:-0.8;Size:+0.9;Momentum:-0.3;LowVol:+0.4,ESGOnly,5,30,3.3,trailing 8%,106,16.8,Volatile,28.7,5.35,3.0,175,-33,33,86,true,Reduce,"Cut high-beta by 2-3%, add cash",20,12,BrokerA,MKT,97,Drift>tolerance,Hedge,Allocation drift beyond policy bands,32,-42,101,4,false,Increase defensive factor exposure
P3927,Systematic,IRA,USD,2024-08-25,1127865,108196,1019669,1.0,57.5,32.4,4.8,5.3,BRK.B:29.4%;QQQ:18.6%;HYG:29.4%;MSFT:22.6%,US:70.4;EU:17.0;APAC:7.2;EM:3.0;Other:2.4,Value:+0.3;Growth:-0.2;Quality:-0.1;Size:-0.4;Momentum:-0.4;LowVol:-0.2,,8,25,4.2,trailing 9%,172,25.7,Bull,17.0,4.75,3.3,91,102,97,44,false,Buy,Add to core equity +1%,-1,-29,BrokerC,MKT,93,None,None,Normal monitoring,0,-48,86,5,false,Increase defensive factor exposure
P3928,Cautious,Roth,USD,2025-02-25,493168,77218,415950,1.0,50.9,37.7,0.0,11.4,VTI:18.0%;TSLA:23.6%;BRK.B:11.1%;HYG:23.6%;VNQ:23.6%,US:61.3;EU:16.6;APAC:10.4;EM:10.9;Other:0.9,Value:-0.6;Growth:-0.7;Quality:+0.4;Size:-0.8;Momentum:+0.9;LowVol:-0.8,MaxPos8%;NoMargin,7,30,5.0,trailing 8%,132,14.2,Bull,12.9,3.57,2.4,97,120,100,30,false,Sell,Trim extended winner -1%,1,-20,BrokerC,LMT,92,None,None,Normal monitoring,-59,-34,-75,5,false,Within IPS guidelines
P3929,Systematic,IRA,USD,2025-07-30,685388,54302,631086,1.0,56.5,22.4,12.2,8.9,XLF:14.3%;TSLA:23.7%;VOO:24.8%;BRK.B:12.4%;GLD:24.8%,US:61.7;EU:15.7;APAC:14.0;EM:8.1;Other:0.4,Value:+0.1;Growth:+0.7;Quality:+0.4;Size:+0.8;Momentum:-0.2;LowVol:-0.9,MaxPos8%,10,25,5.0,trailing 9%,230,18.3,Volatile,23.3,4.55,3.4,136,46,79,62,false,Rebalance,Shift +1% to bonds from equity,20,-40,BrokerB,VWAP,85,None,None,Normal monitoring,-38,-2,-59,5,false,Tax-aware sells next window
P3930,Active,Taxable,USD,2025-04-13,1539421,92812,1446609,1.0,57.3,31.2,3.1,8.3,GLD:12.4%;TLT:24.3%;TSLA:20.8%;VNQ:18.2%;MUB:24.3%,US:68.6;EU:5.4;APAC:14.1;EM:10.0;Other:2.0,Value:+1.0;Growth:-0.9;Quality:+0.4;Size:-0.7;Momentum:+0.1;LowVol:-0.1,,6,25,4.9,trailing 9%,184,21.1,Bull,14.0,3.8,2.3,119,92,91,39,true,Rebalance,Rebalance back to target bands,23,-31,BrokerA,LMT,96,Drift>tolerance,Reduce,Allocation drift beyond policy bands,118,-3,82,3,false,Monitor dispersion and breadth
P3931,Cautious,IRA,USD,2024-07-18,153310,22170,131140,1.0,46.5,37.9,0.0,15.6,AAPL:23.5%;BRK.B:23.5%;BND:23.5%;AMZN:19.4%;QQQ:10.0%,US:66.8;EU:13.8;APAC:6.8;EM:12.3;Other:0.3,Value:-0.4;Growth:-0.8;Quality:+0.9;Size:+0.9;Momentum:+0.7;LowVol:-0.8,ESGOnly;MaxPos8%;NoMargin,5,30,5.6,hard 10%,113,13.2,Bull,13.6,4.74,3.0,86,49,82,34,true,Hedge,Buy index puts 1% notional,-15,-6,BrokerA,MKT,100,VAR>budget,Pause,Risk above budget threshold,31,16,21,4,false,Tighten stops on momentum names
P3932,Active,Taxable,USD,2025-08-12,1119504,85934,1033570,1.0,63.7,20.1,7.8,8.5,TSLA:24.9%;IEF:24.9%;GLD:13.1%;HYG:24.9%;BRK.B:12.3%,US:64.7;EU:16.9;APAC:11.7;EM:2.7;Other:4.0,Value:+0.8;Growth:0.0;Quality:-0.0;Size:+0.2;Momentum:+0.9;LowVol:+0.8,,7,35,5.4,hard 12%,211,22.4,Sideways,18.2,3.7,2.1,122,28,60,54,false,Rebalance,Shift +1% to bonds from equity,29,-1,BrokerC,LMT,91,None,None,Normal monitoring,-43,-33,-82,5,false,Monitor dispersion and breadth
P3933,Cautious,Trust,USD,2024-07-17,789629,81263,708366,1.0,43.9,37.5,7.5,11.0,HYG:27.2%;MSFT:18.4%;AMZN:27.2%;XLF:27.2%,US:71.5;EU:5.1;APAC:9.9;EM:10.0;Other:3.5,Value:-0.8;Growth:+0.3;Quality:-0.3;Size:+0.4;Momentum:+0.6;LowVol:-0.2,ESGOnly;NoMargin,6,30,3.9,trailing 8%,99,18.3,Bear,30.1,3.97,1.7,141,-65,19,74,true,Hedge,Buy index puts 1% notional,30,-11,BrokerC,LMT,89,VAR>budget,Pause,Risk above budget threshold,-47,-11,39,2,false,Increase defensive factor exposure
P3934,Opportunistic,401k,USD,2025-01-31,1620485,123164,1497321,1.0,68.4,16.6,10.6,4.4,TSLA:7.5%;VTI:19.2%;XLF:9.7%;GLD:21.2%;QQQ:21.2%;AMZN:21.2%,US:68.1;EU:11.1;APAC:12.8;EM:3.5;Other:4.4,Value:+0.3;Growth:+0.9;Quality:-1.0;Size:-0.6;Momentum:-0.4;LowVol:+0.7,MaxPos7%,7,30,5.7,trailing 9%,172,34.7,Sideways,14.6,4.25,2.9,92,-3,57,51,true,Reduce,"Cut high-beta by 2-3%, add cash",34,-1,BrokerB,LMT,98,Drift>tolerance,Pause,Allocation drift beyond policy bands,-47,-60,-73,3,false,Within IPS guidelines
P3935,Systematic,Trust,USD,2024-09-29,718500,69118,649382,1.0,61.5,26.7,5.9,5.9,TSLA:37.1%;BRK.B:25.8%;HYG:37.1%,US:62.2;EU:12.9;APAC:11.6;EM:9.2;Other:4.1,Value:+0.3;Growth:+0.9;Quality:-0.9;Size:-0.9;Momentum:-1.0;LowVol:-0.3,NoDerivatives,8,30,6.0,trailing 9%,223,21.6,Bull,17.4,3.94,2.4,99,38,59,56,false,Rebalance,Shift +1% to bonds from equity,35,-19,BrokerB,MKT,86,None,None,Normal monitoring,91,-16,128,4,false,Monitor dispersion and breadth
P3936,Hands-off,IRA,USD,2025-03-06,193491,12846,180645,1.0,59.7,15.9,16.6,7.7,AMZN:33.3%;AAPL:33.3%;MUB:33.3%,US:67.2;EU:7.4;APAC:11.4;EM:9.6;Other:4.4,Value:-0.9;Growth:-0.8;Quality:+0.9;Size:-0.4;Momentum:+0.5;LowVol:-0.2,NoDerivatives,5,35,5.8,trailing 10%,141,14.5,Volatile,29.6,3.76,2.6,154,71,76,71,true,Reduce,"Cut high-beta by 2-3%, add cash",27,-16,BrokerD,MKT,97,RegimeShift,Reduce,Volatility spike and breadth deterioration,19,20,73,5,false,Tighten stops on momentum names
P3937,Cautious,401k,USD,2025-03-10,870941,98881,772060,1.0,48.7,33.4,1.3,16.6,VOO:18.8%;AMZN:20.9%;VTI:10.9%;TSLA:18.7%;MSFT:19.3%;GLD:11.4%,US:73.2;EU:5.9;APAC:11.0;EM:9.4;Other:0.6,Value:+0.4;Growth:+0.5;Quality:+0.9;Size:-0.2;Momentum:+0.5;LowVol:+0.4,NoMargin,7,30,5.6,trailing 8%,160,12.6,Bear,34.5,3.2,2.1,152,-7,31,74,true,Hedge,Buy index puts 1% notional,7,-4,BrokerC,MKT,90,RegimeShift,Pause,Volatility spike and breadth deterioration,72,-19,191,5,false,Monitor dispersion and breadth
P3938,Systematic,401k,USD,2025-05-16,742002,42172,699830,1.0,57.8,26.7,8.6,6.9,BRK.B:38.0%;AAPL:38.0%;TSLA:23.9%,US:62.0;EU:17.1;APAC:7.4;EM:12.1;Other:1.3,Value:-1.0;Growth:-0.3;Quality:+0.7;Size:+0.8;Momentum:-0.1;LowVol:-0.4,MaxPos6%;NoDerivatives,7,35,5.2,trailing 9%,151,16.9,Sideways,19.0,4.46,3.0,115,-10,34,46,true,Hedge,Buy index puts 1% notional,21,-2,BrokerA,LMT,95,Drift>tolerance,Hedge,Allocation drift beyond policy bands,14,-16,48,3,false,Monitor dispersion and breadth
P3939,Cautious,Roth,USD,2024-10-14,647230,98555,548675,1.0,48.9,37.0,0.0,14.1,MUB:33.3%;TLT:33.3%;AMZN:33.3%,US:74.0;EU:6.0;APAC:7.1;EM:10.9;Other:2.0,Value:-0.6;Growth:+0.1;Quality:-0.7;Size:+0.2;Momentum:+0.4;LowVol:+0.5,MaxPos8%;NoDerivatives;NoMargin,10,30,3.0,trailing 10%,161,19.8,Volatile,27.4,5.28,4.2,126,-21,54,56,false,Buy,Add to core equity +1%,18,7,BrokerC,MKT,99,None,None,Normal monitoring,-42,-54,6,4,false,Tax-aware sells next window
P3940,Cautious,Roth,USD,2025-07-01,770543,115126,655417,1.0,48.5,37.1,0.0,14.5,MSFT:33.3%;AMZN:33.3%;GLD:33.3%,US:65.1;EU:9.3;APAC:13.7;EM:10.8;Other:1.1,Value:-0.5;Growth:-0.9;Quality:-0.2;Size:+0.6;Momentum:+0.2;LowVol:+0.1,NoMargin,8,35,5.1,hard 10%,128,15.7,Bear,30.1,4.14,2.4,130,-4,40,73,true,Hedge,Buy index puts 1% notional,-14,0,BrokerC,MKT,92,Drift>tolerance,Pause,Allocation drift beyond policy bands,83,-33,87,3,false,Within IPS guidelines
P3941,Opportunistic,Trust,USD,2025-06-05,385569,17982,367587,1.0,75.5,18.7,0.0,5.8,BRK.B:28.8%;VTI:13.6%;TLT:28.8%;XLF:28.8%,US:66.7;EU:16.8;APAC:6.5;EM:8.1;Other:1.9,Value:+0.3;Growth:+0.2;Quality:+0.8;Size:+0.9;Momentum:+0.2;LowVol:-0.0,,7,30,4.7,trailing 9%,199,23.8,Volatile,26.2,4.84,2.8,158,30,54,85,true,Hedge,Buy index puts 1% notional,-4,-18,BrokerD,MKT,86,RegimeShift,Hedge,Volatility spike and breadth deterioration,68,-39,65,2,true,Tighten stops on momentum names
P3942,Cautious,Trust,USD,2025-10-13,701046,96564,604482,1.0,39.1,33.8,10.3,16.8,MUB:21.4%;VOO:11.6%;XLF:11.2%;QQQ:21.7%;AMZN:21.7%;VTI:12.4%,US:62.8;EU:7.3;APAC:14.0;EM:11.0;Other:4.9,Value:-0.5;Growth:-0.8;Quality:+0.6;Size:+0.4;Momentum:-0.3;LowVol:+0.8,ESGOnly;NoDerivatives;NoMargin,5,30,3.5,hard 10%,91,12.8,Bear,24.8,3.76,1.4,182,40,78,59,false,Rebalance,Shift +1% to bonds from equity,-13,-18,BrokerC,LMT,95,None,None,Normal monitoring,92,-46,199,4,false,Tax-aware sells next window
P3943,Systematic,Roth,USD,2025-08-11,566503,56287,510216,1.0,62.7,22.6,8.8,5.9,VNQ:15.0%;VTI:22.7%;MUB:22.7%;GLD:18.4%;BND:21.2%,US:69.7;EU:9.1;APAC:7.1;EM:11.4;Other:2.7,Value:-0.2;Growth:+0.4;Quality:-0.3;Size:-0.2;Momentum:+0.5;LowVol:+1.0,MaxPos7%;NoDerivatives,5,25,4.6,trailing 8%,218,26.1,Volatile,21.9,4.77,4.4,156,-49,16,63,true,Hedge,Buy index puts 1% notional,-10,-34,BrokerD,LMT,92,VAR>budget,Hedge,Risk above budget threshold,-6,-39,21,3,false,Within IPS guidelines
P3944,Active,Trust,USD,2025-03-07,1161323,76918,1084405,1.0,57.2,28.8,4.5,9.5,MSFT:33.3%;AAPL:33.3%;BND:33.3%,US:74.6;EU:9.9;APAC:6.0;EM:5.0;Other:4.5,Value:-0.3;Growth:+0.5;Quality:+0.9;Size:-0.6;Momentum:+0.1;LowVol:-0.9,NoDerivatives,5,35,4.0,trailing 8%,224,16.4,Volatile,29.2,4.88,2.9,161,-38,46,79,true,Hedge,Buy index puts 1% notional,3,-38,BrokerA,VWAP,99,Drift>tolerance,Pause,Allocation drift beyond policy bands,113,-22,92,4,false,Monitor dispersion and breadth
P3945,Active,401k,USD,2024-11-19,528808,51785,477023,1.0,65.1,23.1,5.6,6.3,VOO:23.0%;QQQ:23.0%;MSFT:23.0%;IEF:23.0%;TSLA:7.9%,US:66.3;EU:18.9;APAC:5.3;EM:9.2;Other:0.3,Value:+0.2;Growth:+0.8;Quality:-0.2;Size:+0.9;Momentum:-0.2;LowVol:-0.9,MaxPos6%;NoDerivatives,7,35,4.1,trailing 8%,227,20.3,Bull,13.3,3.73,3.4,104,31,72,50,false,Sell,Trim extended winner -1%,-12,-40,BrokerB,MKT,95,None,None,Normal monitoring,73,-2,81,5,false,Tax-aware sells next window
P3946,Opportunistic,Trust,USD,2025-12-25,1468565,69275,1399290,1.0,69.3,12.0,9.8,8.8,GLD:26.6%;VTI:26.6%;TLT:26.6%;VNQ:20.1%,US:65.0;EU:10.8;APAC:11.1;EM:8.5;Other:4.5,Value:-0.9;Growth:+0.7;Quality:+0.1;Size:-0.6;Momentum:+0.7;LowVol:-0.6,,10,35,5.4,hard 12%,213,32.9,Bear,23.8,3.73,1.3,136,-113,8,74,true,Reduce,"Cut high-beta by 2-3%, add cash",16,-37,BrokerC,VWAP,91,VAR>budget,TightenStops,Risk above budget threshold,-49,-50,-33,5,false,Tighten stops on momentum names
P3947,Active,Trust,USD,2025-12-14,1104298,89953,1014345,1.0,59.4,28.1,5.2,7.3,QQQ:33.3%;GLD:33.3%;AMZN:33.3%,US:73.6;EU:5.4;APAC:12.1;EM:5.7;Other:3.1,Value:-0.2;Growth:+0.6;Quality:-0.6;Size:-0.4;Momentum:-0.6;LowVol:-0.1,NoDerivatives,8,25,4.7,hard 12%,170,24.5,Sideways,14.4,3.74,2.2,107,-18,27,41,false,Hedge,Add TLT +1% as duration hedge,29,-31,BrokerD,LMT,85,None,None,Normal monitoring,13,-48,132,4,false,Within IPS guidelines
P3948,Active,Trust,USD,2024-12-03,2301280,236360,2064920,1.0,55.7,22.6,13.9,7.8,VTI:21.9%;MUB:18.8%;MSFT:21.9%;BND:15.5%;QQQ:21.9%,US:70.2;EU:7.4;APAC:10.6;EM:8.0;Other:3.8,Value:+0.8;Growth:+0.8;Quality:+0.5;Size:+0.7;Momentum:+0.7;LowVol:+0.7,MaxPos7%,7,25,4.5,trailing 8%,139,20.3,Bull,17.7,4.53,3.2,111,95,93,57,false,NoAction,Within bands; monitor,26,-38,BrokerC,LMT,89,None,None,Normal monitoring,-40,-54,-30,3,false,Increase defensive factor exposure
P3949,Active,401k,USD,2024-09-01,595436,62763,532673,1.0,65.5,28.6,0.0,5.9,AMZN:26.9%;VTI:27.3%;AAPL:27.3%;IEF:18.5%,US:72.9;EU:7.1;APAC:8.4;EM:9.8;Other:1.9,Value:-0.8;Growth:-0.2;Quality:+0.2;Size:+0.4;Momentum:+1.0;LowVol:+0.2,MaxPos6%;NoDerivatives,5,30,4.1,hard 12%,200,19.7,Bull,12.1,4.76,2.0,103,0,49,49,false,Rebalance,Shift +1% to bonds from equity,-7,10,BrokerB,MKT,90,None,None,Normal monitoring,48,7,52,4,false,Increase defensive factor exposure
P3950,Systematic,401k,USD,2025-11-02,701888,39679,662209,1.0,57.8,32.7,0.8,8.8,MUB:26.2%;GLD:26.2%;XLF:21.3%;VOO:26.2%,US:67.4;EU:7.8;APAC:11.5;EM:12.5;Other:0.8,Value:-0.4;Growth:+0.3;Quality:-0.3;Size:-0.6;Momentum:+0.5;LowVol:-0.7,NoDerivatives,8,25,5.7,trailing 8%,190,25.9,Bear,25.1,3.06,1.9,218,37,67,59,false,Rebalance,Shift +1% to bonds from equity,24,1,BrokerD,MKT,95,None,None,Normal monitoring,-37,-29,23,3,false,Within IPS guidelines
P3951,Cautious,Roth,USD,2025-06-12,292180,43407,248773,1.0,45.9,38.0,4.8,11.3,AMZN:28.1%;HYG:15.6%;VTI:28.1%;VOO:28.1%,US:67.6;EU:14.3;APAC:6.5;EM:7.0;Other:4.6,Value:+0.8;Growth:+0.3;Quality:-0.4;Size:+0.6;Momentum:+0.1;LowVol:+0.2,MaxPos7%;NoMargin,5,30,3.8,trailing 8%,108,16.1,Volatile,24.8,4.52,2.1,134,-43,42,56,false,NoAction,Within bands; monitor,8,-1,BrokerD,MKT,0,None,None,Normal monitoring,118,-30,202,5,false,Increase defensive factor exposure
P3952,Active,Taxable,USD,2024-09-12,2374429,269928,2104501,1.0,64.6,20.7,8.9,5.8,BND:23.7%;VTI:25.4%;VOO:25.4%;TLT:25.4%,US:66.0;EU:16.2;APAC:9.3;EM:5.4;Other:3.2,Value:+0.9;Growth:-0.1;Quality:-0.3;Size:-0.6;Momentum:-0.7;LowVol:+0.1,,8,25,5.5,hard 12%,175,19.4,Sideways,20.2,4.79,2.8,93,24,50,67,false,Rebalance,Shift +1% to bonds from equity,-8,15,BrokerB,LMT,93,None,None,Normal monitoring,-10,17,94,5,false,Monitor dispersion and breadth
P3953,Active,Taxable,USD,2025-05-11,1874325,180931,1693394,1.0,60.5,31.6,1.1,6.8,MSFT:29.4%;XLF:29.4%;IEF:11.9%;BND:29.4%,US:74.5;EU:5.1;APAC:9.6;EM:6.2;Other:4.7,Value:-0.6;Growth:+0.2;Quality:-0.9;Size:0.0;Momentum:-0.3;LowVol:-0.9,,10,30,5.5,trailing 8%,220,18.2,Bull,12.1,4.93,3.5,108,58,71,36,false,Rebalance,Shift +1% to bonds from equity,4,-9,BrokerB,MKT,90,None,None,Normal monitoring,-35,2,-47,5,false,Monitor dispersion and breadth
P3954,Hands-off,Taxable,USD,2024-08-19,159641,13978,145663,1.0,73.1,15.6,5.0,6.3,XLF:13.1%;BND:14.1%;IEF:24.7%;VNQ:23.5%;AAPL:24.7%,US:57.3;EU:19.8;APAC:13.7;EM:4.8;Other:4.4,Value:+0.3;Growth:+0.3;Quality:+0.1;Size:+0.5;Momentum:+0.5;LowVol:-0.5,ESGOnly,6,30,4.7,hard 10%,146,16.1,Volatile,31.1,3.75,2.5,133,6,59,77,true,Rebalance,Rebalance back to target bands,30,-21,BrokerA,LMT,88,VAR>budget,Hedge,Risk above budget threshold,20,-10,110,4,false,Increase defensive factor exposure
P3955,Opportunistic,IRA,USD,2025-02-09,1127200,94604,1032596,1.0,66.4,14.6,14.4,4.6,TSLA:28.5%;MUB:28.5%;VTI:14.4%;AAPL:28.5%,US:58.3;EU:16.8;APAC:10.7;EM:9.9;Other:4.3,Value:-0.9;Growth:-0.0;Quality:-0.2;Size:+0.9;Momentum:+0.8;LowVol:-0.3,,7,25,6.0,trailing 9%,195,34.3,Bull,14.0,3.75,3.2,91,52,62,47,false,Hedge,Add TLT +1% as duration hedge,-13,-6,BrokerC,LMT,88,None,None,Normal monitoring,64,-47,33,4,false,Tax-aware sells next window
P3956,Cautious,401k,USD,2025-03-14,528588,80965,447623,1.0,35.4,40.5,14.1,10.0,AAPL:20.9%;MSFT:23.3%;BND:23.3%;VOO:9.2%;GLD:23.3%,US:66.9;EU:14.5;APAC:8.5;EM:8.3;Other:1.8,Value:-1.0;Growth:+0.8;Quality:-0.6;Size:+0.8;Momentum:+0.8;LowVol:-0.4,NoDerivatives;NoMargin,6,25,3.5,trailing 10%,113,13.7,Bull,15.2,4.19,3.2,112,110,100,36,false,Rebalance,Shift +1% to bonds from equity,3,-28,BrokerB,LMT,89,None,None,Normal monitoring,117,-34,139,5,false,Within IPS guidelines
P3957,Opportunistic,Roth,USD,2024-12-17,1058357,77539,980818,1.0,66.9,21.7,5.9,5.5,VTI:33.3%;TLT:33.3%;GLD:33.3%,US:67.5;EU:7.5;APAC:12.3;EM:9.7;Other:2.9,Value:+0.4;Growth:+0.3;Quality:+0.1;Size:+0.8;Momentum:+0.7;LowVol:+0.2,NoDerivatives,8,30,5.6,trailing 7%,258,22.1,Bull,13.3,3.89,2.3,107,86,100,56,false,Buy,Add to core equity +1%,11,-18,BrokerC,MKT,96,None,None,Normal monitoring,97,-35,101,5,false,Within IPS guidelines
P3958,Systematic,Taxable,USD,2024-09-12,1432964,73771,1359193,1.0,56.4,33.4,0.8,9.4,XLF:33.3%;BRK.B:33.3%;TSLA:33.3%,US:68.8;EU:8.5;APAC:12.5;EM:9.9;Other:0.3,Value:-0.7;Growth:-0.5;Quality:-0.8;Size:+1.0;Momentum:+0.9;LowVol:-0.7,MaxPos7%;NoDerivatives,5,35,5.5,trailing 9%,146,17.4,Sideways,20.1,3.92,2.8,129,-27,50,57,false,Rebalance,Shift +1% to bonds from equity,-6,-10,BrokerC,MKT,99,None,None,Normal monitoring,-14,-21,-18,5,false,Tax-aware sells next window
P3959,Hands-off,Taxable,USD,2025-04-13,228591,20652,207939,1.0,58.5,19.5,13.4,8.7,VNQ:35.6%;QQQ:35.6%;MSFT:28.8%,US:66.2;EU:18.1;APAC:7.4;EM:6.3;Other:2.1,Value:-0.2;Growth:-0.8;Quality:0.0;Size:+0.3;Momentum:-0.4;LowVol:+0.2,,8,30,5.5,trailing 8%,160,18.9,Volatile,23.1,4.58,2.5,121,31,63,56,false,Buy,Add to core equity +1%,-13,-13,BrokerC,MKT,97,None,None,Normal monitoring,106,-54,167,5,false,Increase defensive factor exposure
P3960,Active,Taxable,USD,2024-09-20,630602,70377,560225,1.14,62.3,24.8,6.4,6.4,GLD:33.3%;BRK.B:33.3%;AMZN:33.3%,US:71.2;EU:11.6;APAC:7.3;EM:5.4;Other:4.5,Value:+0.7;Growth:-0.9;Quality:-0.9;Size:-1.0;Momentum:+0.5;LowVol:-0.9,,7,25,5.8,trailing 8%,161,16.2,Volatile,29.4,5.25,4.2,156,30,77,83,true,Reduce,"Cut high-beta by 2-3%, add cash",7,-1,BrokerD,LMT,92,Drift>tolerance,Hedge,Allocation drift beyond policy bands,11,-40,-20,3,true,Monitor dispersion and breadth
P3961,Hands-off,401k,USD,2025-09-05,416315,33169,383146,1.0,73.4,16.7,3.8,6.1,AMZN:33.3%;VNQ:33.3%;MSFT:33.3%,US:59.1;EU:13.8;APAC:15.4;EM:9.8;Other:1.9,Value:-0.2;Growth:+0.9;Quality:+0.2;Size:-0.9;Momentum:-0.3;LowVol:-0.4,,8,30,4.8,hard 10%,164,14.6,Volatile,30.3,4.5,3.2,114,38,57,92,true,Rebalance,Rebalance back to target bands,11,15,BrokerD,VWAP,87,RegimeShift,Hedge,Volatility spike and breadth deterioration,-41,4,75,4,true,Tighten stops on momentum names
P3962,Cautious,IRA,USD,2025-06-07,838062,117433,720629,1.0,45.4,37.9,0.0,16.6,QQQ:20.3%;AAPL:20.1%;GLD:14.1%;MUB:17.8%;BRK.B:9.4%;XLF:18.3%,US:71.3;EU:12.8;APAC:9.6;EM:4.2;Other:2.1,Value:+0.9;Growth:-0.7;Quality:+0.9;Size:+0.5;Momentum:-0.4;LowVol:+0.4,ESGOnly;MaxPos7%;NoMargin,8,25,4.9,trailing 8%,167,14.7,Volatile,31.3,4.92,3.7,139,54,82,59,false,NoAction,Within bands; monitor,-7,-40,BrokerD,MKT,0,None,None,Normal monitoring,4,-42,57,4,false,Tax-aware sells next window
P3963,Cautious,Roth,USD,2025-02-13,738664,86891,651773,1.0,52.4,32.3,0.0,15.3,MUB:23.2%;IEF:13.1%;XLF:17.4%;GLD:23.2%;QQQ:23.2%,US:61.4;EU:19.1;APAC:12.5;EM:6.4;Other:0.6,Value:-0.0;Growth:+0.2;Quality:+0.4;Size:+0.9;Momentum:+0.5;LowVol:-0.8,ESGOnly;NoMargin,5,35,4.2,trailing 8%,97,17.7,Volatile,21.0,5.49,2.6,112,15,72,52,false,NoAction,Within bands; monitor,-2,-40,BrokerD,VWAP,92,None,None,Normal monitoring,110,-16,196,5,false,Monitor dispersion and breadth
P3964,Cautious,401k,USD,2024-12-26,168796,25678,143118,1.0,46.8,33.8,2.9,16.5,IEF:20.5%;VTI:20.4%;AAPL:20.5%;TSLA:10.6%;BRK.B:18.5%;AMZN:9.3%,US:64.0;EU:15.1;APAC:6.6;EM:13.9;Other:0.4,Value:-0.1;Growth:+0.9;Quality:-0.3;Size:-0.2;Momentum:-0.2;LowVol:-0.3,NoDerivatives;NoMargin,7,30,5.6,trailing 8%,138,13.8,Bull,13.0,4.11,3.0,104,51,75,42,false,Sell,Trim extended winner -1%,13,-40,BrokerA,LMT,93,None,None,Normal monitoring,28,17,81,5,false,Tighten stops on momentum names
P3965,Cautious,Trust,USD,2025-12-19,179973,16077,163896,1.0,40.7,34.4,7.6,17.2,QQQ:10.9%;MUB:25.9%;TLT:19.6%;VTI:25.9%;IEF:17.7%,US:57.8;EU:20.0;APAC:10.4;EM:7.6;Other:4.2,Value:-0.5;Growth:-0.9;Quality:+0.8;Size:+0.3;Momentum:-0.1;LowVol:-0.8,MaxPos7%;NoMargin,7,35,4.9,hard 10%,126,17.7,Sideways,14.6,3.75,2.8,139,-19,46,43,true,Rebalance,Rebalance back to target bands,-6,4,BrokerA,MKT,88,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-44,-39,65,4,false,Tax-aware sells next window
P3966,Opportunistic,401k,USD,2025-08-24,874152,74489,799663,1.08,62.9,10.0,19.9,7.2,BRK.B:20.8%;VNQ:26.4%;MUB:26.4%;AAPL:26.4%,US:67.1;EU:6.8;APAC:10.1;EM:12.7;Other:3.3,Value:+1.0;Growth:-0.4;Quality:-0.9;Size:-0.8;Momentum:+0.2;LowVol:-0.3,MaxPos8%;NoDerivatives,5,30,4.5,hard 12%,218,24.4,Bull,15.2,4.51,2.2,91,94,86,52,false,Hedge,Add TLT +1% as duration hedge,-11,-6,BrokerB,LMT,93,None,None,Normal monitoring,62,-26,123,4,false,Monitor dispersion and breadth
P3967,Active,Roth,USD,2025-08-29,2404841,163860,2240981,1.18,53.6,20.7,18.4,7.3,AAPL:35.0%;MUB:29.9%;XLF:35.0%,US:65.0;EU:15.6;APAC:10.4;EM:4.7;Other:4.2,Value:+0.3;Growth:-0.1;Quality:-0.9;Size:+0.6;Momentum:-0.8;LowVol:-0.1,,10,25,4.2,trailing 8%,199,26.6,Sideways,21.7,4.86,3.1,105,-30,49,65,false,NoAction,Within bands; monitor,9,-27,BrokerC,MKT,0,None,None,Normal monitoring,87,11,64,5,false,Within IPS guidelines
P3968,Active,Taxable,USD,2025-06-18,989436,115984,873452,1.0,63.4,29.1,0.0,7.6,HYG:19.5%;QQQ:18.2%;VTI:20.1%;BRK.B:21.5%;BND:7.9%;TSLA:12.8%,US:69.1;EU:13.6;APAC:8.4;EM:7.4;Other:1.5,Value:-0.8;Growth:+0.4;Quality:0.0;Size:-0.3;Momentum:-0.1;LowVol:-0.2,MaxPos7%,6,35,4.8,trailing 8%,146,16.6,Sideways,14.9,3.77,2.7,128,-9,36,40,false,Buy,Add to core equity +1%,23,-1,BrokerC,MKT,97,None,None,Normal monitoring,102,-32,148,5,false,Tax-aware sells next window
P3969,Hands-off,Taxable,USD,2025-08-23,537167,29194,507973,1.0,64.9,25.6,0.0,9.5,GLD:20.4%;BND:17.8%;TSLA:15.7%;HYG:6.1%;BRK.B:20.7%;MSFT:19.2%,US:68.2;EU:9.4;APAC:7.0;EM:11.0;Other:4.3,Value:0.0;Growth:+0.6;Quality:-0.1;Size:-0.9;Momentum:-0.4;LowVol:+0.9,,6,30,3.4,trailing 8%,135,12.4,Volatile,20.1,4.11,4.2,155,-10,40,60,true,Reduce,"Cut high-beta by 2-3%, add cash",21,-33,BrokerA,LMT,85,VAR>budget,Reduce,Risk above budget threshold,9,-7,27,2,false,Tighten stops on momentum names
P3970,Hands-off,Taxable,USD,2025-04-06,172662,12440,160222,1.0,57.2,25.7,8.9,8.2,AMZN:30.3%;TLT:34.8%;MSFT:34.8%,US:64.6;EU:19.7;APAC:7.3;EM:7.0;Other:1.4,Value:+1.0;Growth:-0.7;Quality:+0.2;Size:-0.6;Momentum:+0.3;LowVol:+0.5,ESGOnly;NoDerivatives,5,25,4.1,trailing 8%,95,13.6,Sideways,15.3,4.86,2.9,125,13,52,51,false,Rebalance,Shift +1% to bonds from equity,-6,-5,BrokerD,MKT,88,None,None,Normal monitoring,-19,1,85,5,false,Tighten stops on momentum names
P3971,Hands-off,Trust,USD,2025-01-14,673936,58654,615282,1.0,60.2,22.8,8.6,8.4,AAPL:22.7%;AMZN:13.6%;BND:22.7%;XLF:14.2%;VTI:16.2%;BRK.B:10.6%,US:60.8;EU:14.8;APAC:12.1;EM:9.9;Other:2.5,Value:+0.1;Growth:-0.6;Quality:+0.1;Size:+0.5;Momentum:+0.2;LowVol:-0.9,ESGOnly,8,35,3.2,hard 10%,146,14.0,Sideways,17.1,4.99,2.6,114,43,72,57,false,Rebalance,Shift +1% to bonds from equity,25,-33,BrokerC,MKT,100,None,None,Normal monitoring,93,-9,210,5,false,Monitor dispersion and breadth
P3972,Opportunistic,Taxable,USD,2025-02-12,344015,19935,324080,1.0,77.8,11.6,2.5,8.1,GLD:24.5%;XLF:14.2%;IEF:24.5%;BND:24.5%;AAPL:12.1%,US:76.8;EU:6.3;APAC:7.3;EM:5.8;Other:3.9,Value:+0.7;Growth:0.0;Quality:-0.5;Size:+0.5;Momentum:-0.3;LowVol:-0.5,,10,30,5.3,trailing 9%,198,32.1,Volatile,20.9,5.0,2.1,152,-29,29,78,true,Reduce,"Cut high-beta by 2-3%, add cash",-4,-26,BrokerC,MKT,93,Drift>tolerance,Pause,Allocation drift beyond policy bands,-27,-27,74,3,false,Tax-aware sells next window
P3973,Hands-off,Roth,USD,2025-01-18,281250,24196,257054,1.0,71.6,21.7,0.0,6.8,VNQ:33.5%;XLF:33.5%;TLT:33.0%,US:60.8;EU:18.3;APAC:13.3;EM:3.9;Other:3.8,Value:-0.1;Growth:+0.5;Quality:+0.4;Size:+0.8;Momentum:-0.8;LowVol:-0.8,ESGOnly,6,30,3.5,hard 10%,131,17.4,Sideways,20.4,3.58,2.1,111,-9,35,67,false,Rebalance,Shift +1% to bonds from equity,-15,-38,BrokerD,LMT,92,None,None,Normal monitoring,97,-57,84,5,false,Tighten stops on momentum names
P3974,Cautious,Roth,USD,2025-04-24,651402,52203,599199,1.0,42.7,30.4,10.7,16.2,AMZN:17.8%;XLF:28.0%;MUB:26.1%;BND:28.0%,US:65.0;EU:11.6;APAC:12.7;EM:9.6;Other:1.2,Value:-0.9;Growth:+0.6;Quality:+0.8;Size:+0.6;Momentum:+1.0;LowVol:-0.5,ESGOnly;NoMargin,10,30,4.9,trailing 8%,146,15.3,Bull,11.4,4.13,2.6,78,112,100,33,false,Buy,Add to core equity +1%,12,7,BrokerC,MKT,97,None,None,Normal monitoring,119,-15,239,4,false,Increase defensive factor exposure
P3975,Active,Roth,USD,2024-07-21,1893035,136335,1756700,1.0,50.6,26.5,15.1,7.8,AAPL:20.8%;BRK.B:22.5%;VNQ:22.5%;MUB:15.6%;HYG:18.6%,US:64.7;EU:16.1;APAC:11.7;EM:6.9;Other:0.5,Value:+0.9;Growth:-0.8;Quality:+0.6;Size:+0.3;Momentum:-0.8;LowVol:+0.5,NoDerivatives,5,25,4.3,trailing 8%,228,20.6,Sideways,15.9,4.54,2.3,99,30,74,48,false,Rebalance,Shift +1% to bonds from equity,-2,8,BrokerB,VWAP,96,None,None,Normal monitoring,75,-6,143,5,false,Tax-aware sells next window
P3976,Cautious,Trust,USD,2025-08-08,702307,65944,636363,1.0,36.7,42.9,4.1,16.2,TSLA:22.0%;QQQ:17.8%;XLF:17.0%;AAPL:8.7%;BND:22.0%;TLT:12.5%,US:69.8;EU:7.8;APAC:9.7;EM:9.8;Other:2.9,Value:-0.7;Growth:+0.9;Quality:+0.5;Size:+1.0;Momentum:+0.7;LowVol:-0.2,ESGOnly;NoMargin,5,25,5.4,trailing 8%,155,17.3,Volatile,27.8,5.44,3.7,177,62,78,53,false,Hedge,Add TLT +1% as duration hedge,8,-22,BrokerA,MKT,98,None,None,Normal monitoring,1,-18,19,3,false,Monitor dispersion and breadth
P3977,Opportunistic,IRA,USD,2024-12-20,1319630,67304,1252326,1.0,64.6,10.5,19.2,5.7,AMZN:33.3%;MUB:33.3%;BRK.B:33.3%,US:68.7;EU:8.1;APAC:12.2;EM:6.3;Other:4.7,Value:+0.4;Growth:-0.1;Quality:+0.4;Size:+0.1;Momentum:-0.0;LowVol:+1.0,MaxPos7%;NoDerivatives,10,30,6.1,trailing 7%,233,26.1,Volatile,30.5,3.7,2.5,178,71,100,74,true,Reduce,"Cut high-beta by 2-3%, add cash",34,-10,BrokerB,MKT,92,RegimeShift,TightenStops,Volatility spike and breadth deterioration,29,-19,97,3,false,Monitor dispersion and breadth
P3978,Opportunistic,401k,USD,2025-07-14,598492,27852,570640,1.0,63.2,10.5,19.5,6.8,VTI:19.3%;TLT:13.2%;XLF:20.9%;MSFT:13.4%;IEF:13.2%;AMZN:20.0%,US:71.0;EU:17.4;APAC:7.2;EM:3.7;Other:0.7,Value:-0.6;Growth:-1.0;Quality:+0.2;Size:+0.2;Momentum:-0.2;LowVol:-0.8,NoDerivatives,10,25,6.8,trailing 7%,223,28.5,Sideways,15.2,3.67,2.5,90,20,74,43,false,Sell,Trim extended winner -1%,13,7,BrokerB,LMT,91,None,None,Normal monitoring,-35,-56,40,4,false,Within IPS guidelines
P3979,Opportunistic,IRA,USD,2025-07-16,510225,31735,478490,1.14,77.5,15.3,0.1,7.0,GLD:27.5%;QQQ:21.3%;AAPL:27.5%;IEF:23.8%,US:73.8;EU:8.1;APAC:12.4;EM:4.5;Other:1.2,Value:-0.9;Growth:+0.3;Quality:+0.4;Size:-0.1;Momentum:+0.6;LowVol:-0.4,,6,30,4.1,hard 12%,277,23.9,Volatile,23.7,4.04,2.2,132,-11,43,69,false,NoAction,Within bands; monitor,16,-26,BrokerC,VWAP,89,None,None,Normal monitoring,-2,-6,32,5,false,Tax-aware sells next window
P3980,Systematic,Trust,USD,2025-06-18,733932,62180,671752,1.0,67.8,23.4,2.2,6.6,XLF:22.5%;IEF:25.8%;GLD:25.8%;AMZN:25.8%,US:70.3;EU:9.9;APAC:12.4;EM:3.2;Other:4.3,Value:0.0;Growth:+0.1;Quality:+0.3;Size:-0.0;Momentum:-0.9;LowVol:-0.9,,6,25,4.3,hard 12%,170,17.5,Volatile,20.1,5.28,2.7,159,8,64,58,false,Buy,Add to core equity +1%,-9,-38,BrokerB,LMT,91,None,None,Normal monitoring,-37,-1,88,5,false,Increase defensive factor exposure
P3981,Hands-off,Roth,USD,2025-10-22,236525,15513,221012,1.0,64.1,24.3,2.3,9.3,BND:20.0%;QQQ:20.2%;XLF:22.9%;MUB:14.1%;HYG:22.9%,US:56.0;EU:17.8;APAC:12.1;EM:8.8;Other:5.2,Value:+0.7;Growth:-0.8;Quality:+0.7;Size:-1.0;Momentum:-0.4;LowVol:-1.0,,6,35,5.6,trailing 8%,160,16.0,Bull,12.1,4.36,2.4,111,35,53,32,false,Sell,Trim extended winner -1%,27,-39,BrokerB,MKT,85,None,None,Normal monitoring,6,14,129,3,false,Increase defensive factor exposure
P3982,Hands-off,Taxable,USD,2025-09-02,677830,36574,641256,1.0,59.4,28.8,2.2,9.6,AMZN:27.2%;XLF:18.5%;BND:27.2%;MUB:27.2%,US:69.3;EU:7.3;APAC:10.4;EM:11.4;Other:1.6,Value:+0.9;Growth:+0.6;Quality:-0.6;Size:-0.2;Momentum:-0.8;LowVol:+0.5,,8,30,4.1,trailing 8%,105,15.4,Volatile,28.4,3.64,3.9,180,58,66,67,false,Rebalance,Shift +1% to bonds from equity,-4,-2,BrokerD,LMT,92,None,None,Normal monitoring,37,-10,175,5,false,Tax-aware sells next window
P3983,Cautious,Roth,USD,2025-02-13,246952,33407,213545,1.0,42.4,37.6,9.1,10.8,AMZN:21.2%;QQQ:26.3%;MSFT:26.3%;MUB:26.3%,US:64.6;EU:12.8;APAC:12.6;EM:7.4;Other:2.7,Value:+0.8;Growth:+0.1;Quality:-0.3;Size:-0.6;Momentum:+0.9;LowVol:-0.9,MaxPos7%;NoMargin,10,25,5.1,trailing 8%,101,18.8,Volatile,31.9,4.26,2.9,119,38,81,61,false,Buy,Add to core equity +1%,0,0,BrokerC,MKT,94,None,None,Normal monitoring,-54,-55,55,5,false,Increase defensive factor exposure
P3984,Cautious,401k,USD,2025-06-04,355559,30093,325466,1.0,38.4,42.4,5.0,14.2,MUB:33.3%;HYG:33.3%;QQQ:33.3%,US:59.4;EU:16.4;APAC:14.4;EM:7.6;Other:2.2,Value:+0.3;Growth:-0.4;Quality:+0.5;Size:-0.4;Momentum:+0.4;LowVol:-0.2,NoDerivatives;NoMargin,7,35,4.2,hard 10%,120,18.6,Volatile,29.3,4.17,2.4,129,73,74,61,false,Rebalance,Shift +1% to bonds from equity,3,-10,BrokerC,MKT,90,None,None,Normal monitoring,119,-33,180,5,false,Tighten stops on momentum names
P3985,Systematic,Taxable,USD,2025-09-22,1301594,112704,1188890,1.0,61.5,27.6,2.7,8.2,BRK.B:23.5%;MUB:23.5%;IEF:14.9%;VOO:14.7%;VTI:23.5%,US:62.7;EU:12.5;APAC:11.1;EM:10.4;Other:3.3,Value:+0.1;Growth:-0.7;Quality:-0.2;Size:-0.6;Momentum:-0.0;LowVol:+0.6,,7,25,5.6,trailing 8%,178,24.8,Sideways,21.8,4.16,3.1,92,-28,41,65,false,Rebalance,Shift +1% to bonds from equity,-12,-19,BrokerA,LMT,97,None,None,Normal monitoring,17,-16,27,4,false,Tighten stops on momentum names
P3986,Hands-off,Trust,USD,2025-02-12,587497,55271,532226,1.0,67.5,17.6,6.1,8.8,AAPL:33.3%;TLT:33.3%;TSLA:33.3%,US:74.1;EU:5.9;APAC:8.3;EM:8.9;Other:2.8,Value:+0.4;Growth:-0.3;Quality:-0.0;Size:+0.2;Momentum:+0.9;LowVol:+0.3,,5,35,3.3,trailing 8%,116,12.3,Bull,12.6,4.85,3.0,114,56,65,45,false,Hedge,Add TLT +1% as duration hedge,-8,9,BrokerC,MKT,86,None,None,Normal monitoring,26,-50,19,4,false,Monitor dispersion and breadth
P3987,Systematic,Trust,USD,2025-07-07,1174580,108553,1066027,1.0,64.7,29.7,0.0,5.7,MUB:13.3%;MSFT:21.3%;IEF:10.3%;BND:21.3%;VOO:21.3%;BRK.B:12.7%,US:74.5;EU:8.2;APAC:9.3;EM:4.9;Other:3.1,Value:+0.4;Growth:-0.7;Quality:-0.3;Size:-0.3;Momentum:+0.1;LowVol:-0.2,NoDerivatives,7,25,5.8,trailing 9%,125,25.7,Bear,24.1,3.89,2.7,158,-84,5,65,false,Sell,Trim extended winner -1%,5,-16,BrokerD,MKT,92,None,None,Normal monitoring,-42,-3,45,4,false,Tighten stops on momentum names
P3988,Opportunistic,401k,USD,2025-07-19,338999,16467,322532,1.0,69.2,18.4,5.2,7.3,BRK.B:20.5%;BND:24.0%;VTI:24.0%;IEF:18.9%;MSFT:12.6%,US:63.6;EU:13.0;APAC:12.9;EM:9.0;Other:1.6,Value:0.0;Growth:+0.3;Quality:-0.2;Size:+0.5;Momentum:+0.6;LowVol:-0.5,,7,35,5.2,trailing 9%,170,31.3,Bear,33.7,4.02,1.9,130,-55,27,98,true,Reduce,"Cut high-beta by 2-3%, add cash",20,-32,BrokerA,MKT,97,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-18,-22,72,2,false,Increase defensive factor exposure
P3989,Hands-off,Trust,USD,2025-11-28,248362,13500,234862,1.0,60.3,23.5,8.0,8.1,MUB:28.9%;XLF:13.4%;TSLA:28.9%;BRK.B:28.9%,US:62.0;EU:15.6;APAC:8.4;EM:9.8;Other:4.1,Value:-0.4;Growth:+0.4;Quality:+0.2;Size:-0.2;Momentum:+0.2;LowVol:-0.6,ESGOnly,5,25,5.9,trailing 10%,155,13.1,Bull,14.2,4.19,3.2,79,14,43,51,false,Sell,Trim extended winner -1%,32,-2,BrokerD,VWAP,99,None,None,Normal monitoring,9,-14,147,4,false,Monitor dispersion and breadth
P3990,Cautious,Roth,USD,2025-11-01,606950,50470,556480,1.0,40.9,40.8,6.2,12.1,VOO:23.5%;AMZN:23.5%;XLF:23.5%;VTI:20.4%;MUB:9.1%,US:68.3;EU:6.3;APAC:10.4;EM:10.5;Other:4.5,Value:+0.1;Growth:+0.9;Quality:+0.2;Size:+0.2;Momentum:+0.9;LowVol:-0.2,NoDerivatives;NoMargin,10,25,3.0,trailing 10%,129,17.2,Volatile,30.5,3.51,4.2,142,26,77,71,true,Reduce,"Cut high-beta by 2-3%, add cash",4,-25,BrokerD,MKT,99,VAR>budget,Hedge,Risk above budget threshold,81,9,122,4,false,Tighten stops on momentum names
P3991,Active,Taxable,USD,2025-11-02,1337732,116481,1221251,1.22,56.1,20.8,15.3,7.7,AMZN:33.3%;MSFT:33.3%;AAPL:33.3%,US:58.6;EU:17.1;APAC:11.9;EM:11.5;Other:1.0,Value:-0.2;Growth:+0.1;Quality:-0.5;Size:+0.3;Momentum:+0.4;LowVol:+0.6,NoDerivatives,10,30,5.9,hard 12%,219,18.5,Bull,11.7,4.09,3.3,86,42,77,39,false,Rebalance,Shift +1% to bonds from equity,21,1,BrokerA,LMT,88,None,None,Normal monitoring,119,-27,120,3,false,Tighten stops on momentum names
P3992,Opportunistic,Taxable,USD,2024-07-13,1306289,53122,1253167,1.0,63.7,14.7,15.4,6.2,BND:21.7%;MUB:10.0%;TSLA:11.0%;VNQ:13.8%;IEF:21.7%;QQQ:21.7%,US:67.1;EU:17.2;APAC:9.5;EM:4.7;Other:1.6,Value:+0.7;Growth:-0.8;Quality:+0.6;Size:-0.4;Momentum:-0.9;LowVol:-0.6,MaxPos5%,5,25,6.8,trailing 9%,219,21.8,Bull,11.0,4.14,3.3,96,72,76,46,false,Sell,Trim extended winner -1%,10,-29,BrokerA,VWAP,96,None,None,Normal monitoring,13,-54,114,3,false,Tighten stops on momentum names
P3993,Active,Roth,USD,2025-04-03,2477636,210006,2267630,1.12,50.7,20.0,22.4,6.9,HYG:23.1%;BRK.B:23.1%;TLT:23.1%;MSFT:7.8%;VOO:23.1%,US:63.7;EU:6.0;APAC:16.3;EM:13.3;Other:0.7,Value:-0.5;Growth:-0.5;Quality:-0.4;Size:+0.4;Momentum:-0.9;LowVol:-0.8,,10,25,4.3,trailing 9%,223,23.4,Sideways,19.3,4.51,2.3,120,-10,35,54,false,Rebalance,Shift +1% to bonds from equity,24,6,BrokerD,MKT,85,None,None,Normal monitoring,-51,-7,86,4,false,Tighten stops on momentum names
P3994,Cautious,401k,USD,2025-01-26,538818,72237,466581,1.0,41.3,42.4,0.0,16.3,GLD:33.3%;MUB:33.3%;TSLA:33.3%,US:66.5;EU:13.9;APAC:9.4;EM:7.5;Other:2.8,Value:-0.6;Growth:-0.5;Quality:+0.5;Size:-0.2;Momentum:-0.9;LowVol:-0.2,MaxPos7%;NoMargin,10,30,5.7,trailing 8%,97,15.8,Sideways,19.2,4.23,3.0,133,58,92,46,false,Sell,Trim extended winner -1%,-3,-32,BrokerB,LMT,90,None,None,Normal monitoring,-16,-2,79,5,false,Tighten stops on momentum names
P3995,Opportunistic,Roth,USD,2025-12-03,1097965,90474,1007491,1.15,69.9,20.9,0.4,8.8,MSFT:25.3%;TLT:25.3%;BRK.B:24.1%;XLF:25.3%,US:66.4;EU:14.6;APAC:12.6;EM:4.4;Other:2.0,Value:+0.1;Growth:+0.1;Quality:-0.3;Size:-0.2;Momentum:-0.1;LowVol:+1.0,MaxPos7%;NoDerivatives,6,25,4.5,trailing 7%,250,27.4,Volatile,31.2,4.85,2.0,129,52,80,90,true,Reduce,"Cut high-beta by 2-3%, add cash",-7,-39,BrokerD,LMT,86,RegimeShift,Reduce,Volatility spike and breadth deterioration,112,-37,216,4,false,Tax-aware sells next window
P3996,Active,401k,USD,2025-12-16,1776338,110279,1666059,1.0,53.1,27.8,10.7,8.4,QQQ:27.6%;MUB:27.6%;GLD:27.6%;TSLA:17.3%,US:68.9;EU:12.8;APAC:12.6;EM:2.8;Other:2.9,Value:+0.1;Growth:+0.6;Quality:-0.4;Size:-0.4;Momentum:+0.3;LowVol:-0.5,MaxPos7%,6,35,5.5,trailing 8%,220,21.0,Volatile,24.1,3.74,4.2,119,-42,42,57,false,Buy,Add to core equity +1%,16,-35,BrokerA,LMT,89,None,None,Normal monitoring,76,13,106,5,false,Tighten stops on momentum names
P3997,Hands-off,IRA,USD,2025-08-02,254855,24841,230014,1.0,60.6,25.3,4.7,9.4,GLD:22.3%;BRK.B:18.7%;VTI:22.3%;TSLA:14.5%;MUB:22.3%,US:58.2;EU:12.3;APAC:16.4;EM:8.3;Other:4.9,Value:-0.0;Growth:0.0;Quality:-0.3;Size:-0.8;Momentum:-0.0;LowVol:-0.1,MaxPos7%,5,35,4.1,hard 10%,141,12.8,Volatile,23.6,5.23,4.0,132,72,79,64,false,Buy,Add to core equity +1%,-10,-38,BrokerA,LMT,87,None,None,Normal monitoring,104,8,207,3,false,Increase defensive factor exposure
P3998,Hands-off,Roth,USD,2024-08-21,674198,43512,630686,1.0,65.0,27.7,0.0,7.3,VNQ:37.7%;QQQ:24.6%;MSFT:37.7%,US:60.5;EU:17.3;APAC:11.0;EM:9.1;Other:2.1,Value:+0.7;Growth:+0.9;Quality:-0.6;Size:+0.2;Momentum:-1.0;LowVol:+0.5,ESGOnly;NoDerivatives,10,35,5.9,trailing 10%,92,19.9,Volatile,22.7,3.86,3.3,156,-51,12,72,true,Hedge,Buy index puts 1% notional,-11,3,BrokerC,LMT,99,VAR>budget,Reduce,Risk above budget threshold,118,-44,184,2,false,Tax-aware sells next window
P3999,Active,Roth,USD,2025-04-18,2167629,220978,1946651,1.0,56.4,21.6,15.8,6.2,QQQ:33.3%;TSLA:33.3%;XLF:33.3%,US:66.8;EU:15.4;APAC:7.0;EM:7.5;Other:3.4,Value:-0.1;Growth:+0.9;Quality:+0.1;Size:+0.9;Momentum:-0.9;LowVol:+0.2,,8,35,5.4,hard 12%,192,24.6,Bear,29.1,3.45,1.3,148,-77,11,71,true,Hedge,Buy index puts 1% notional,-12,-40,BrokerB,VWAP,96,Drift>tolerance,Reduce,Allocation drift beyond policy bands,26,-20,103,4,false,Tighten stops on momentum names
P4000,Opportunistic,Trust,USD,2025-03-27,1636177,106503,1529674,1.22,73.5,16.9,3.7,5.9,AAPL:33.3%;GLD:33.3%;HYG:33.3%,US:61.9;EU:10.2;APAC:15.4;EM:10.5;Other:2.1,Value:-0.6;Growth:+0.7;Quality:+0.5;Size:-0.1;Momentum:-0.3;LowVol:+0.5,NoDerivatives,6,30,5.1,hard 12%,258,25.7,Sideways,14.9,3.71,2.3,118,8,43,59,false,Buy,Add to core equity +1%,1,-27,BrokerC,LMT,98,None,None,Normal monitoring,54,6,159,5,false,Increase defensive factor exposure
P4001,Opportunistic,IRA,USD,2025-10-12,1078547,93422,985125,1.0,71.5,11.5,12.2,4.8,TSLA:33.3%;XLF:33.3%;MSFT:33.3%,US:70.1;EU:11.0;APAC:10.3;EM:6.4;Other:2.2,Value:-0.9;Growth:+0.8;Quality:+0.4;Size:+0.3;Momentum:-0.4;LowVol:+0.4,MaxPos6%,5,25,4.7,hard 12%,178,31.9,Sideways,20.5,3.99,2.7,129,-27,31,54,false,Sell,Trim extended winner -1%,7,-13,BrokerB,LMT,93,None,None,Normal monitoring,15,-35,11,4,false,Tax-aware sells next window
P4002,Hands-off,IRA,USD,2025-05-24,783376,65307,718069,1.0,73.6,18.8,2.5,5.1,TSLA:14.5%;QQQ:20.2%;MUB:20.2%;IEF:5.5%;TLT:19.6%;XLF:20.0%,US:67.2;EU:8.8;APAC:14.4;EM:8.1;Other:1.4,Value:-0.1;Growth:-0.8;Quality:-0.7;Size:+0.3;Momentum:-0.5;LowVol:-0.8,ESGOnly,10,35,3.3,trailing 8%,148,13.0,Bull,17.0,3.98,2.6,80,14,44,54,false,Hedge,Add TLT +1% as duration hedge,35,-38,BrokerD,MKT,90,None,None,Normal monitoring,-32,-41,-36,5,false,Monitor dispersion and breadth
P4003,Cautious,401k,USD,2025-06-24,850815,110848,739967,1.0,47.3,35.3,2.6,14.8,BRK.B:11.7%;MSFT:18.7%;IEF:20.0%;TLT:21.1%;VOO:21.1%;TSLA:7.4%,US:67.4;EU:17.0;APAC:9.7;EM:4.2;Other:1.7,Value:-0.5;Growth:+0.5;Quality:+1.0;Size:+0.8;Momentum:+0.3;LowVol:+0.1,MaxPos8%;NoMargin,10,35,5.2,hard 10%,119,13.2,Volatile,25.3,4.62,3.2,156,-58,17,63,false,Rebalance,Shift +1% to bonds from equity,30,-5,BrokerB,LMT,85,None,None,Normal monitoring,56,15,171,3,false,Increase defensive factor exposure
P4004,Cautious,Roth,USD,2024-09-08,779185,93045,686140,1.0,37.6,34.9,14.5,13.0,MUB:17.3%;QQQ:25.8%;MSFT:15.9%;VOO:25.8%;IEF:15.3%,US:57.9;EU:16.8;APAC:12.4;EM:9.2;Other:3.8,Value:+0.9;Growth:+0.6;Quality:-1.0;Size:-0.8;Momentum:+0.6;LowVol:+0.8,MaxPos6%;NoDerivatives;NoMargin,8,30,3.8,trailing 10%,152,12.4,Bull,12.4,4.27,3.0,107,43,59,20,false,Rebalance,Shift +1% to bonds from equity,27,-5,BrokerB,MKT,97,None,None,Normal monitoring,119,14,127,4,false,Within IPS guidelines
P4005,Opportunistic,Roth,USD,2025-11-12,1229374,73635,1155739,1.0,64.7,11.7,18.1,5.6,QQQ:33.3%;VOO:33.3%;MUB:33.3%,US:63.1;EU:14.1;APAC:8.8;EM:8.8;Other:5.2,Value:-0.2;Growth:-0.3;Quality:-0.5;Size:+0.1;Momentum:-0.9;LowVol:-0.8,MaxPos7%,7,30,6.1,trailing 9%,249,31.4,Sideways,18.0,3.96,2.5,116,38,63,61,false,Rebalance,Shift +1% to bonds from equity,10,7,BrokerA,MKT,97,None,None,Normal monitoring,-34,19,3,4,false,Tax-aware sells next window
P4006,Cautious,Roth,USD,2025-01-02,364647,34975,329672,1.0,40.0,43.4,0.0,16.7,VOO:33.3%;VNQ:33.3%;TLT:33.3%,US:60.0;EU:10.0;APAC:16.9;EM:13.1;Other:0.0,Value:+0.9;Growth:+0.1;Quality:+0.1;Size:-1.0;Momentum:-1.0;LowVol:0.0,ESGOnly;MaxPos7%;NoMargin,7,30,5.5,hard 10%,169,13.7,Sideways,21.6,4.99,3.0,102,-30,38,42,false,Buy,Add to core equity +1%,31,-18,BrokerB,LMT,86,None,None,Normal monitoring,-12,-47,33,5,false,Monitor dispersion and breadth
P4007,Opportunistic,Taxable,USD,2025-09-13,802321,54102,748219,1.14,74.9,19.1,0.3,5.7,GLD:21.1%;VTI:20.2%;BND:12.3%;MSFT:16.5%;AMZN:8.8%;BRK.B:21.1%,US:65.7;EU:15.6;APAC:6.1;EM:9.9;Other:2.8,Value:+0.8;Growth:-0.6;Quality:-0.3;Size:+0.8;Momentum:-0.8;LowVol:-0.2,MaxPos7%,7,30,5.3,trailing 7%,202,29.0,Sideways,14.2,4.97,2.8,129,-15,40,51,true,Hedge,Buy index puts 1% notional,34,-24,BrokerB,MKT,98,VAR>budget,Hedge,Risk above budget threshold,66,9,143,4,false,Within IPS guidelines
P4008,Active,IRA,USD,2025-12-05,1743569,165169,1578400,1.0,56.1,30.3,7.9,5.6,HYG:33.3%;MSFT:33.3%;QQQ:33.3%,US:76.2;EU:7.8;APAC:6.7;EM:6.6;Other:2.7,Value:+0.1;Growth:-0.2;Quality:-0.5;Size:-0.4;Momentum:-0.1;LowVol:-0.1,NoDerivatives,7,35,4.3,hard 12%,148,16.8,Volatile,20.4,3.84,4.3,130,-56,35,49,true,Rebalance,Rebalance back to target bands,-6,-5,BrokerD,MKT,86,RegimeShift,Hedge,Volatility spike and breadth deterioration,52,20,108,4,false,Increase defensive factor exposure
P4009,Systematic,Trust,USD,2025-07-25,583722,38898,544824,1.0,63.1,31.7,0.0,5.2,TSLA:26.2%;MUB:25.6%;XLF:26.2%;VOO:22.0%,US:74.4;EU:9.0;APAC:10.8;EM:4.4;Other:1.4,Value:-0.6;Growth:-0.8;Quality:-0.6;Size:-0.8;Momentum:-1.0;LowVol:-0.8,NoDerivatives,8,25,4.4,trailing 9%,218,25.2,Volatile,26.9,5.17,2.5,156,0,41,78,true,Reduce,"Cut high-beta by 2-3%, add cash",35,0,BrokerA,LMT,87,VAR>budget,Hedge,Risk above budget threshold,74,-31,48,3,false,Tighten stops on momentum names
P4010,Cautious,401k,USD,2024-12-14,413020,38218,374802,1.0,54.0,32.7,0.0,13.3,IEF:30.0%;GLD:35.0%;BRK.B:35.0%,US:61.4;EU:13.1;APAC:15.9;EM:9.3;Other:0.2,Value:+0.6;Growth:-0.1;Quality:-0.5;Size:+0.6;Momentum:+0.5;LowVol:-0.1,NoMargin,6,25,5.2,trailing 8%,138,14.1,Volatile,20.1,4.95,4.1,152,43,68,42,false,Rebalance,Shift +1% to bonds from equity,19,-25,BrokerB,LMT,98,None,None,Normal monitoring,74,20,162,3,false,Increase defensive factor exposure
P4011,Cautious,Roth,USD,2025-11-21,535163,56651,478512,1.0,39.4,34.0,9.0,17.7,BRK.B:9.7%;MSFT:23.2%;AAPL:18.9%;GLD:24.1%;QQQ:24.1%,US:66.4;EU:14.2;APAC:9.9;EM:6.3;Other:3.2,Value:-0.6;Growth:-0.6;Quality:-0.9;Size:-0.4;Momentum:-0.6;LowVol:+0.2,NoDerivatives;NoMargin,10,35,5.9,trailing 8%,108,16.9,Bull,14.9,4.89,3.1,87,97,97,37,false,Rebalance,Shift +1% to bonds from equity,21,-10,BrokerD,MKT,98,None,None,Normal monitoring,36,-30,56,5,false,Within IPS guidelines
P4012,Active,401k,USD,2025-06-06,1164077,129742,1034335,1.0,66.1,25.8,0.0,8.1,MSFT:9.7%;XLF:21.6%;MUB:21.8%;TLT:11.3%;GLD:21.8%;IEF:13.6%,US:66.3;EU:16.4;APAC:8.1;EM:6.7;Other:2.6,Value:-0.2;Growth:+0.3;Quality:+0.3;Size:+1.0;Momentum:0.0;LowVol:-0.3,MaxPos6%,5,35,5.6,trailing 9%,183,26.6,Bull,12.3,4.58,2.6,88,52,71,47,false,Rebalance,Shift +1% to bonds from equity,9,14,BrokerC,MKT,88,None,None,Normal monitoring,21,-32,81,3,false,Monitor dispersion and breadth
P4013,Active,Trust,USD,2025-12-16,1627050,194005,1433045,1.0,67.2,26.2,0.0,6.6,IEF:20.6%;VNQ:27.9%;HYG:23.6%;QQQ:27.9%,US:60.3;EU:14.8;APAC:10.6;EM:11.2;Other:3.1,Value:-0.0;Growth:+0.8;Quality:+1.0;Size:+0.4;Momentum:-0.6;LowVol:-0.6,MaxPos5%,10,35,5.1,trailing 8%,222,24.3,Bear,34.6,4.32,2.3,204,-20,27,89,true,Hedge,Buy index puts 1% notional,-13,-4,BrokerD,MKT,88,VAR>budget,Hedge,Risk above budget threshold,-20,6,50,3,false,Monitor dispersion and breadth
P4014,Hands-off,IRA,USD,2025-10-07,830408,74457,755951,1.0,69.1,24.7,0.0,6.3,MUB:23.2%;HYG:19.0%;TLT:23.2%;BRK.B:17.6%;BND:17.0%,US:73.0;EU:5.7;APAC:12.8;EM:5.7;Other:2.9,Value:+0.1;Growth:+0.7;Quality:-0.5;Size:+0.7;Momentum:+0.3;LowVol:-0.4,MaxPos6%,6,35,3.5,hard 10%,101,16.9,Sideways,18.5,3.64,3.0,129,45,77,54,true,Rebalance,Rebalance back to target bands,1,-14,BrokerB,MKT,95,VAR>budget,Hedge,Risk above budget threshold,-11,11,28,5,false,Within IPS guidelines
P4015,Active,Roth,USD,2025-04-13,2246612,256701,1989911,1.06,68.6,21.3,0.4,9.7,AMZN:12.0%;GLD:22.5%;BRK.B:18.0%;QQQ:23.8%;MSFT:23.8%,US:71.4;EU:8.9;APAC:5.8;EM:10.0;Other:3.8,Value:+0.3;Growth:+0.9;Quality:+0.3;Size:+0.6;Momentum:-0.6;LowVol:-0.5,,7,30,5.7,trailing 9%,124,23.0,Bull,14.2,4.2,3.1,102,60,94,57,false,Rebalance,Shift +1% to bonds from equity,17,-16,BrokerC,LMT,90,None,None,Normal monitoring,79,-47,94,3,false,Within IPS guidelines
P4016,Hands-off,401k,USD,2025-03-19,785042,37530,747512,1.0,61.7,27.5,1.6,9.3,GLD:36.5%;HYG:26.9%;TSLA:36.5%,US:64.2;EU:13.6;APAC:14.0;EM:3.8;Other:4.3,Value:+0.6;Growth:-0.7;Quality:-0.8;Size:-0.7;Momentum:+0.5;LowVol:+0.2,MaxPos7%,5,35,3.1,trailing 8%,105,15.5,Bull,14.0,4.6,3.1,80,15,64,52,true,Hedge,Buy index puts 1% notional,0,-10,BrokerD,LMT,92,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-50,-10,-83,2,false,Within IPS guidelines
P4017,Hands-off,Roth,USD,2024-08-20,591930,29553,562377,1.0,67.8,24.4,0.9,6.9,BND:18.7%;GLD:22.8%;HYG:24.5%;IEF:9.4%;VTI:24.5%,US:73.6;EU:8.7;APAC:4.6;EM:10.4;Other:2.7,Value:+0.6;Growth:+0.3;Quality:+0.3;Size:0.0;Momentum:+1.0;LowVol:+0.4,NoDerivatives,7,25,3.9,trailing 8%,150,17.0,Volatile,29.7,4.41,4.3,112,25,55,70,false,Buy,Add to core equity +1%,16,-40,BrokerC,LMT,100,None,None,Normal monitoring,19,-56,80,3,false,Tax-aware sells next window
P4018,Cautious,Taxable,USD,2024-12-08,740887,64359,676528,1.0,47.6,34.5,4.3,13.7,IEF:6.5%;BND:7.3%;TSLA:21.6%;VOO:21.6%;TLT:21.6%;MSFT:21.6%,US:69.7;EU:6.3;APAC:13.2;EM:6.6;Other:4.3,Value:-0.1;Growth:-0.3;Quality:-0.4;Size:-1.0;Momentum:+1.0;LowVol:+0.4,MaxPos7%;NoDerivatives;NoMargin,10,35,5.0,trailing 8%,154,16.0,Bull,11.0,4.04,3.3,99,108,100,25,false,Sell,Trim extended winner -1%,3,-3,BrokerA,VWAP,87,None,None,Normal monitoring,73,-55,196,5,false,Increase defensive factor exposure
P4019,Cautious,Taxable,USD,2024-10-05,248637,32204,216433,1.0,47.4,40.5,0.0,12.1,TSLA:10.7%;BND:15.2%;QQQ:22.2%;VOO:21.4%;TLT:22.2%;BRK.B:8.4%,US:65.6;EU:11.6;APAC:10.0;EM:11.2;Other:1.7,Value:-0.9;Growth:+0.5;Quality:-0.2;Size:-0.5;Momentum:+0.9;LowVol:-0.2,ESGOnly;MaxPos8%;NoDerivatives;NoMargin,5,25,4.7,trailing 8%,106,14.9,Bull,16.4,4.88,2.6,118,101,93,34,false,Hedge,Add TLT +1% as duration hedge,-10,-40,BrokerD,MKT,86,None,None,Normal monitoring,114,-16,193,4,false,Tighten stops on momentum names
P4020,Active,Roth,USD,2025-11-12,646277,60491,585786,1.16,62.0,31.5,0.0,6.5,AAPL:27.3%;TSLA:36.4%;AMZN:36.4%,US:65.7;EU:9.8;APAC:10.7;EM:11.8;Other:2.1,Value:-0.8;Growth:-0.7;Quality:+0.4;Size:+0.7;Momentum:-0.7;LowVol:-0.7,MaxPos5%,6,30,4.0,trailing 8%,129,19.4,Volatile,29.2,4.87,2.7,133,18,47,75,true,Hedge,Buy index puts 1% notional,33,-40,BrokerD,LMT,89,Drift>tolerance,Pause,Allocation drift beyond policy bands,75,-51,145,3,false,Tighten stops on momentum names
P4021,Opportunistic,Taxable,USD,2025-05-17,802301,37012,765289,1.0,67.9,21.1,7.0,4.1,VTI:33.3%;HYG:33.3%;TSLA:33.3%,US:67.3;EU:6.1;APAC:17.1;EM:4.8;Other:4.6,Value:-0.5;Growth:+0.1;Quality:-0.9;Size:+0.5;Momentum:+0.9;LowVol:+0.6,MaxPos8%,8,30,5.1,trailing 9%,275,29.3,Volatile,29.9,3.88,4.0,154,68,80,82,true,Hedge,Buy index puts 1% notional,13,11,BrokerB,MKT,86,Drift>tolerance,Hedge,Allocation drift beyond policy bands,38,19,17,4,true,Increase defensive factor exposure
P4022,Hands-off,Trust,USD,2025-04-16,747066,48255,698811,1.0,58.9,23.2,10.3,7.5,TSLA:27.3%;BND:18.2%;MUB:27.3%;VOO:27.3%,US:58.2;EU:22.7;APAC:6.9;EM:8.8;Other:3.4,Value:-0.5;Growth:+0.2;Quality:-0.8;Size:-0.4;Momentum:-0.8;LowVol:-0.9,ESGOnly;MaxPos6%,10,35,5.3,hard 10%,166,13.6,Bull,17.6,3.75,2.8,80,33,56,59,false,Rebalance,Shift +1% to bonds from equity,-15,0,BrokerC,LMT,91,None,None,Normal monitoring,76,-10,193,5,false,Increase defensive factor exposure
P4023,Systematic,IRA,USD,2025-02-11,1824498,157538,1666960,1.0,55.9,33.5,4.9,5.6,TSLA:20.4%;HYG:16.5%;XLF:17.0%;QQQ:20.2%;GLD:5.3%;VOO:20.4%,US:61.7;EU:15.7;APAC:15.7;EM:3.7;Other:3.3,Value:+0.7;Growth:-0.4;Quality:+0.4;Size:-0.3;Momentum:+0.1;LowVol:+0.6,NoDerivatives,8,30,4.7,trailing 8%,139,24.7,Bull,17.5,4.99,2.3,118,114,100,54,true,Hedge,Buy index puts 1% notional,32,15,BrokerB,MKT,88,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,70,-43,130,2,false,Within IPS guidelines
P4024,Opportunistic,Roth,USD,2024-07-19,1460823,72955,1387868,1.24,74.0,17.2,4.3,4.5,MSFT:16.3%;VNQ:22.7%;BND:22.3%;VOO:19.9%;QQQ:18.8%,US:65.9;EU:18.8;APAC:5.6;EM:5.2;Other:4.4,Value:+0.6;Growth:+0.9;Quality:-0.6;Size:+0.9;Momentum:-0.2;LowVol:+0.7,MaxPos5%;NoDerivatives,10,30,5.8,trailing 7%,202,29.7,Sideways,20.7,4.97,2.6,124,40,69,67,false,Rebalance,Shift +1% to bonds from equity,18,-24,BrokerA,MKT,88,None,None,Normal monitoring,-51,1,-33,5,false,Within IPS guidelines
P4025,Active,IRA,USD,2025-03-23,752195,60592,691603,1.0,50.9,19.5,21.2,8.4,MSFT:22.0%;IEF:15.5%;AAPL:18.7%;XLF:22.0%;GLD:22.0%,US:75.9;EU:12.1;APAC:5.6;EM:6.3;Other:0.1,Value:+0.3;Growth:-1.0;Quality:-0.3;Size:-0.2;Momentum:-0.7;LowVol:-0.0,NoDerivatives,8,30,6.0,trailing 8%,230,19.0,Bull,15.0,4.85,2.8,80,115,100,43,false,Sell,Trim extended winner -1%,13,-23,BrokerD,MKT,95,None,None,Normal monitoring,24,-23,-3,4,false,Within IPS guidelines
P4026,Active,Trust,USD,2025-06-06,853697,93046,760651,1.09,60.4,30.4,0.0,9.2,BRK.B:25.0%;AMZN:25.0%;GLD:24.9%;IEF:25.0%,US:64.4;EU:12.7;APAC:7.9;EM:10.9;Other:4.1,Value:-0.6;Growth:+1.0;Quality:+0.4;Size:-0.5;Momentum:+0.6;LowVol:-0.9,,6,35,4.5,trailing 9%,158,24.7,Volatile,26.2,5.18,2.5,119,54,82,76,true,Hedge,Buy index puts 1% notional,-2,-34,BrokerC,VWAP,90,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-59,17,-14,3,true,Increase defensive factor exposure
P4027,Opportunistic,IRA,USD,2025-08-21,1479942,84484,1395458,1.0,60.7,10.8,23.1,5.5,VTI:33.3%;TSLA:33.3%;MUB:33.3%,US:65.2;EU:14.3;APAC:10.1;EM:7.7;Other:2.8,Value:+1.0;Growth:+0.3;Quality:+0.4;Size:-0.9;Momentum:0.0;LowVol:-0.4,NoDerivatives,6,35,5.5,hard 12%,278,28.1,Volatile,21.2,5.09,4.0,149,30,66,63,false,Buy,Add to core equity +1%,-8,-10,BrokerD,MKT,85,None,None,Normal monitoring,8,-55,76,5,false,Monitor dispersion and breadth
P4028,Opportunistic,IRA,USD,2025-09-25,1455267,84920,1370347,1.0,70.4,14.6,9.5,5.5,GLD:20.9%;VNQ:19.0%;VOO:20.9%;XLF:14.3%;AAPL:17.0%;IEF:7.9%,US:67.1;EU:15.3;APAC:10.0;EM:6.3;Other:1.3,Value:-0.3;Growth:-0.9;Quality:+0.7;Size:+0.5;Momentum:+0.7;LowVol:+1.0,MaxPos5%,10,25,5.0,hard 12%,224,22.3,Bull,16.3,4.59,2.1,96,118,100,64,false,Buy,Add to core equity +1%,26,-12,BrokerB,VWAP,90,None,None,Normal monitoring,-32,8,55,4,false,Monitor dispersion and breadth
P4029,Systematic,401k,USD,2025-05-23,1109244,46103,1063141,1.0,57.5,24.4,9.6,8.5,IEF:33.3%;AMZN:33.3%;BND:33.3%,US:64.8;EU:7.4;APAC:11.2;EM:11.7;Other:4.9,Value:-0.3;Growth:-0.7;Quality:-0.6;Size:-0.8;Momentum:+0.4;LowVol:+0.9,,10,35,4.4,trailing 8%,128,26.3,Volatile,20.9,4.98,4.4,130,41,72,63,false,Rebalance,Shift +1% to bonds from equity,21,-20,BrokerC,MKT,93,None,None,Normal monitoring,40,-50,71,4,false,Within IPS guidelines
P4030,Active,IRA,USD,2025-10-18,816578,62315,754263,1.08,51.4,31.1,10.0,7.4,IEF:10.5%;MUB:23.7%;VTI:23.7%;QQQ:23.7%;AAPL:18.4%,US:57.4;EU:20.0;APAC:14.0;EM:7.8;Other:0.7,Value:-0.1;Growth:+0.3;Quality:-0.5;Size:+0.9;Momentum:+0.4;LowVol:+0.1,MaxPos5%,8,25,5.8,trailing 8%,191,17.6,Bull,16.7,4.63,3.3,74,22,65,46,false,Hedge,Add TLT +1% as duration hedge,17,-14,BrokerA,MKT,91,None,None,Normal monitoring,80,-38,132,3,false,Tax-aware sells next window
P4031,Hands-off,Taxable,USD,2025-11-07,849827,49252,800575,1.0,62.7,23.7,4.3,9.2,TSLA:28.2%;VTI:28.2%;AAPL:15.3%;IEF:28.2%,US:65.8;EU:10.5;APAC:17.8;EM:4.7;Other:1.2,Value:0.0;Growth:+0.4;Quality:-0.1;Size:-0.8;Momentum:-0.8;LowVol:+0.3,MaxPos6%,10,30,4.9,hard 10%,103,19.4,Bear,27.7,3.34,2.4,162,-94,5,73,true,Hedge,Buy index puts 1% notional,33,8,BrokerD,LMT,89,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-43,19,-12,3,false,Increase defensive factor exposure
P4032,Systematic,Roth,USD,2025-09-21,1226813,60202,1166611,1.0,59.7,31.2,0.0,9.1,BND:25.0%;VTI:25.0%;QQQ:25.0%;VNQ:25.0%,US:64.7;EU:20.3;APAC:7.2;EM:5.0;Other:2.9,Value:+0.7;Growth:-0.7;Quality:-0.6;Size:-0.7;Momentum:-0.9;LowVol:-0.3,,10,30,4.9,trailing 9%,154,24.6,Bull,13.1,4.69,2.8,92,61,82,48,false,Rebalance,Shift +1% to bonds from equity,23,9,BrokerD,LMT,90,None,None,Normal monitoring,5,-11,109,3,false,Tighten stops on momentum names
P4033,Cautious,IRA,USD,2025-02-24,708064,65788,642276,1.0,41.9,39.9,5.2,13.0,AMZN:10.4%;BND:22.5%;HYG:22.5%;TLT:20.3%;VOO:12.0%;XLF:12.4%,US:65.2;EU:8.5;APAC:15.6;EM:10.5;Other:0.2,Value:+0.9;Growth:0.0;Quality:-0.1;Size:+0.5;Momentum:-0.9;LowVol:-0.1,ESGOnly;MaxPos8%;NoDerivatives;NoMargin,8,30,6.0,hard 10%,160,13.5,Volatile,30.1,3.52,4.4,175,38,74,72,true,Hedge,Buy index puts 1% notional,31,-19,BrokerA,MKT,88,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,63,-21,194,4,false,Monitor dispersion and breadth
P4034,Opportunistic,Taxable,USD,2024-11-20,1663489,113302,1550187,1.0,62.2,16.7,14.6,6.5,BND:23.6%;XLF:17.6%;VTI:23.6%;GLD:23.6%;HYG:11.5%,US:68.2;EU:11.0;APAC:11.7;EM:5.2;Other:3.8,Value:-0.3;Growth:-0.4;Quality:+0.4;Size:-0.2;Momentum:-0.0;LowVol:-0.1,,5,25,4.0,trailing 9%,259,26.1,Bull,12.8,4.1,3.1,98,31,80,39,false,Buy,Add to core equity +1%,21,-6,BrokerA,LMT,92,None,None,Normal monitoring,13,-23,117,5,false,Monitor dispersion and breadth
P4035,Systematic,Roth,USD,2024-07-10,1953844,170059,1783785,1.0,55.2,31.1,6.5,7.2,TSLA:20.3%;MUB:17.5%;TLT:12.3%;AAPL:18.1%;BRK.B:17.5%;MSFT:14.3%,US:69.1;EU:14.0;APAC:6.0;EM:9.9;Other:1.1,Value:-0.4;Growth:-0.8;Quality:-0.9;Size:+0.8;Momentum:-0.9;LowVol:-1.0,MaxPos6%,6,25,5.1,hard 12%,215,21.8,Sideways,14.6,4.61,2.1,135,-11,55,36,false,Sell,Trim extended winner -1%,-4,0,BrokerD,MKT,96,None,None,Normal monitoring,31,1,140,5,false,Tax-aware sells next window
P4036,Cautious,Taxable,USD,2025-08-03,337691,49772,287919,1.0,38.8,39.1,5.9,16.1,AAPL:25.0%;VNQ:25.0%;BND:25.0%;MSFT:25.0%,US:65.4;EU:8.6;APAC:10.6;EM:13.5;Other:1.9,Value:+0.7;Growth:+0.1;Quality:-0.1;Size:-1.0;Momentum:-0.5;LowVol:-0.2,MaxPos5%;NoMargin,6,35,3.3,trailing 10%,122,14.3,Volatile,21.7,3.96,4.1,151,54,69,40,false,Hedge,Add TLT +1% as duration hedge,7,-6,BrokerA,MKT,94,None,None,Normal monitoring,80,20,190,4,false,Within IPS guidelines
P4037,Active,Roth,USD,2024-11-23,894857,89803,805054,1.17,61.5,28.8,0.0,9.6,VTI:24.6%;TSLA:13.3%;BRK.B:12.8%;TLT:24.6%;MSFT:24.6%,US:68.6;EU:10.5;APAC:11.5;EM:8.4;Other:1.0,Value:-0.1;Growth:-0.5;Quality:+0.3;Size:-0.1;Momentum:-0.9;LowVol:+0.4,MaxPos6%,5,35,5.2,trailing 9%,207,17.1,Volatile,22.6,4.42,3.7,146,53,65,56,false,Buy,Add to core equity +1%,6,-27,BrokerD,VWAP,85,None,None,Normal monitoring,41,-4,155,3,false,Increase defensive factor exposure
P4038,Opportunistic,IRA,USD,2024-09-29,1688094,58449,1629645,1.0,61.1,13.1,17.2,8.6,AAPL:30.6%;QQQ:34.7%;HYG:34.7%,US:68.8;EU:7.9;APAC:12.1;EM:7.8;Other:3.4,Value:+0.6;Growth:-0.5;Quality:+0.3;Size:+0.5;Momentum:-0.5;LowVol:+0.3,MaxPos5%,10,35,6.8,hard 12%,184,29.0,Bull,17.3,3.69,3.2,95,36,80,60,true,Reduce,"Cut high-beta by 2-3%, add cash",33,-29,BrokerA,VWAP,96,Drift>tolerance,Pause,Allocation drift beyond policy bands,99,-11,108,3,false,Tax-aware sells next window
P4039,Opportunistic,Trust,USD,2024-08-03,877773,36707,841066,1.0,60.2,21.2,9.8,8.9,VNQ:27.6%;AMZN:22.9%;BRK.B:21.9%;QQQ:27.6%,US:68.6;EU:13.1;APAC:6.4;EM:11.2;Other:0.6,Value:-0.0;Growth:+0.7;Quality:+1.0;Size:+0.6;Momentum:-0.2;LowVol:-0.7,,8,35,5.6,trailing 9%,273,22.4,Bull,16.5,3.75,2.0,73,15,65,54,false,Buy,Add to core equity +1%,3,-1,BrokerB,MKT,99,None,None,Normal monitoring,0,-39,109,4,false,Tax-aware sells next window
P4040,Active,Taxable,USD,2024-11-23,2057164,156298,1900866,1.0,62.9,21.7,9.3,6.0,MUB:23.0%;MSFT:19.4%;HYG:23.0%;VNQ:13.1%;GLD:21.6%,US:65.1;EU:8.0;APAC:14.0;EM:9.5;Other:3.4,Value:-0.9;Growth:+0.8;Quality:-0.0;Size:+0.9;Momentum:+0.2;LowVol:-0.1,NoDerivatives,6,30,5.0,trailing 8%,228,16.7,Bear,32.4,3.03,1.3,138,6,56,91,true,Reduce,"Cut high-beta by 2-3%, add cash",11,-15,BrokerC,LMT,99,RegimeShift,Reduce,Volatility spike and breadth deterioration,110,-45,191,5,false,Tighten stops on momentum names
P4041,Hands-off,Taxable,USD,2024-09-12,404937,20405,384532,1.0,62.5,20.2,10.9,6.4,BRK.B:33.3%;MUB:33.3%;TLT:33.3%,US:65.7;EU:7.1;APAC:13.9;EM:9.0;Other:4.2,Value:-0.7;Growth:-0.9;Quality:0.0;Size:-0.4;Momentum:-0.9;LowVol:-0.3,ESGOnly;MaxPos8%,5,35,3.8,hard 10%,118,15.3,Sideways,14.9,4.37,3.4,106,-12,50,40,false,Rebalance,Shift +1% to bonds from equity,-4,-3,BrokerC,MKT,93,None,None,Normal monitoring,116,14,152,3,false,Tax-aware sells next window
P4042,Systematic,401k,USD,2025-05-06,842986,46151,796835,1.0,66.5,24.8,0.0,8.7,BRK.B:29.6%;VTI:35.2%;AMZN:35.2%,US:65.6;EU:14.8;APAC:9.8;EM:3.9;Other:6.0,Value:+0.2;Growth:+0.2;Quality:-0.5;Size:-0.8;Momentum:+0.6;LowVol:+0.6,NoDerivatives,10,30,5.9,trailing 8%,123,21.2,Bull,13.0,4.75,2.1,101,13,54,36,false,Buy,Add to core equity +1%,-11,10,BrokerA,LMT,88,None,None,Normal monitoring,41,-28,58,5,false,Within IPS guidelines
P4043,Cautious,IRA,USD,2025-10-17,388287,48994,339293,1.0,45.8,40.3,1.4,12.5,QQQ:26.3%;HYG:36.8%;AMZN:36.8%,US:66.1;EU:13.7;APAC:10.6;EM:6.6;Other:3.0,Value:+0.4;Growth:+0.2;Quality:+0.2;Size:-1.0;Momentum:-0.7;LowVol:+0.3,NoMargin,10,30,4.9,trailing 8%,135,13.4,Bull,13.0,4.38,2.6,119,96,84,39,true,Rebalance,Rebalance back to target bands,20,-30,BrokerC,MKT,90,VAR>budget,Reduce,Risk above budget threshold,41,0,75,4,false,Within IPS guidelines
P4044,Opportunistic,IRA,USD,2025-07-22,1013101,47308,965793,1.13,62.3,16.9,13.7,7.1,VTI:33.3%;AAPL:33.3%;HYG:33.3%,US:79.5;EU:7.5;APAC:6.9;EM:3.5;Other:2.8,Value:+0.1;Growth:-0.7;Quality:+0.5;Size:+0.5;Momentum:+0.2;LowVol:+0.4,MaxPos6%,6,35,4.5,trailing 7%,257,26.3,Bull,12.6,3.59,3.0,94,100,100,35,false,Buy,Add to core equity +1%,-4,-21,BrokerD,LMT,99,None,None,Normal monitoring,62,-24,201,5,false,Monitor dispersion and breadth
P4045,Hands-off,Trust,USD,2025-09-02,496883,23048,473835,1.0,65.8,25.2,0.0,8.9,AAPL:21.5%;QQQ:18.2%;VTI:12.8%;MUB:21.5%;AMZN:11.2%;VOO:14.7%,US:76.6;EU:5.4;APAC:9.3;EM:5.2;Other:3.6,Value:+0.1;Growth:+0.3;Quality:+0.3;Size:-0.4;Momentum:-0.1;LowVol:+0.7,MaxPos5%,6,35,5.7,trailing 8%,150,14.9,Sideways,16.6,4.88,2.8,117,33,60,57,false,Sell,Trim extended winner -1%,30,-27,BrokerC,MKT,96,None,None,Normal monitoring,117,-60,115,5,false,Monitor dispersion and breadth
P4046,Systematic,Trust,USD,2025-10-04,1510844,74394,1436450,1.0,59.3,20.9,12.1,7.7,VTI:13.5%;QQQ:22.7%;GLD:22.7%;TLT:18.4%;MUB:22.7%,US:59.4;EU:13.6;APAC:16.8;EM:7.3;Other:2.9,Value:+0.8;Growth:+0.3;Quality:-0.8;Size:-0.7;Momentum:+0.1;LowVol:-0.2,,8,30,5.9,trailing 9%,125,27.3,Volatile,21.0,4.34,3.7,120,78,96,56,true,Hedge,Buy index puts 1% notional,21,-27,BrokerC,VWAP,87,VAR>budget,TightenStops,Risk above budget threshold,87,13,130,5,false,Increase defensive factor exposure
P4047,Opportunistic,Taxable,USD,2024-08-14,1623674,127447,1496227,1.06,72.7,19.8,0.0,7.5,VOO:33.7%;VNQ:32.6%;IEF:33.7%,US:61.6;EU:19.6;APAC:7.8;EM:6.7;Other:4.3,Value:+0.1;Growth:+1.0;Quality:-0.2;Size:+0.3;Momentum:-0.5;LowVol:-0.4,MaxPos6%,7,30,5.7,trailing 9%,190,22.0,Bull,11.1,4.98,2.4,71,98,100,48,true,Hedge,Buy index puts 1% notional,33,-8,BrokerD,MKT,90,VAR>budget,Hedge,Risk above budget threshold,4,13,107,3,false,Tighten stops on momentum names
P4048,Hands-off,401k,USD,2024-10-21,770843,76986,693857,1.0,62.7,29.2,0.0,8.2,XLF:16.2%;AMZN:11.3%;GLD:14.6%;TLT:14.3%;MSFT:21.8%;VNQ:21.8%,US:66.8;EU:13.3;APAC:10.6;EM:8.7;Other:0.7,Value:+0.9;Growth:-0.2;Quality:-0.1;Size:+0.2;Momentum:+1.0;LowVol:-0.2,NoDerivatives,6,35,5.0,trailing 8%,141,14.7,Bull,11.3,4.21,2.6,106,102,100,31,false,Rebalance,Shift +1% to bonds from equity,0,-8,BrokerD,MKT,99,None,None,Normal monitoring,41,-59,37,4,false,Monitor dispersion and breadth
P4049,Systematic,Taxable,USD,2024-09-29,1812643,156826,1655817,1.0,64.9,24.6,1.9,8.5,HYG:25.0%;MSFT:27.8%;VTI:27.8%;TLT:19.3%,US:68.5;EU:11.2;APAC:7.8;EM:10.8;Other:1.6,Value:+0.7;Growth:+0.3;Quality:-0.4;Size:-0.6;Momentum:+0.3;LowVol:+0.2,,10,30,5.7,trailing 8%,171,27.6,Sideways,17.8,4.33,2.9,124,-14,53,52,false,NoAction,Within bands; monitor,4,1,BrokerA,MKT,0,None,None,Normal monitoring,-39,7,74,4,false,Monitor dispersion and breadth
P4050,Active,Trust,USD,2024-11-19,728286,75542,652744,1.0,64.9,27.5,0.0,7.7,AMZN:33.3%;HYG:33.3%;TLT:33.3%,US:67.9;EU:16.7;APAC:10.7;EM:2.8;Other:1.9,Value:-0.9;Growth:+0.2;Quality:-0.6;Size:+1.0;Momentum:+0.6;LowVol:+0.6,MaxPos7%,6,25,4.3,trailing 8%,194,21.4,Bull,14.7,3.62,2.2,107,106,100,52,false,Sell,Trim extended winner -1%,19,-6,BrokerB,LMT,89,None,None,Normal monitoring,55,10,56,5,false,Tax-aware sells next window
P4051,Opportunistic,Roth,USD,2025-02-21,1108489,53673,1054816,1.0,60.3,17.0,18.5,4.2,QQQ:23.8%;GLD:23.8%;XLF:23.8%;VTI:16.6%;MSFT:12.1%,US:64.7;EU:7.7;APAC:14.4;EM:8.9;Other:4.3,Value:-0.8;Growth:-0.0;Quality:-0.9;Size:+0.7;Momentum:+0.6;LowVol:+0.7,,7,35,4.6,trailing 9%,220,25.5,Bear,32.1,3.3,2.7,194,-76,5,80,true,Hedge,Buy index puts 1% notional,-4,3,BrokerA,VWAP,87,VAR>budget,TightenStops,Risk above budget threshold,118,-50,116,4,false,Tax-aware sells next window
P4052,Hands-off,IRA,USD,2025-12-11,696545,62046,634499,1.0,67.0,24.7,0.0,8.3,TLT:33.3%;BND:33.3%;GLD:33.3%,US:71.0;EU:6.9;APAC:11.7;EM:8.3;Other:2.0,Value:+0.1;Growth:+0.3;Quality:+0.2;Size:+0.7;Momentum:+0.6;LowVol:+0.1,ESGOnly,10,30,4.5,trailing 10%,117,15.0,Bear,34.4,3.84,2.6,173,26,77,93,true,Reduce,"Cut high-beta by 2-3%, add cash",9,-3,BrokerC,LMT,86,Drift>tolerance,Hedge,Allocation drift beyond policy bands,4,-5,46,5,false,Monitor dispersion and breadth
P4053,Systematic,Trust,USD,2024-10-04,1215797,76140,1139657,1.0,63.7,28.1,0.0,8.2,MUB:22.1%;HYG:7.5%;QQQ:22.1%;VTI:22.1%;AAPL:15.8%;TLT:10.3%,US:69.6;EU:8.9;APAC:10.4;EM:6.3;Other:4.7,Value:-0.4;Growth:-0.2;Quality:-0.6;Size:+0.2;Momentum:+0.4;LowVol:-0.5,,8,35,5.0,trailing 8%,201,21.0,Bear,33.2,3.97,1.7,174,24,75,83,true,Rebalance,Rebalance back to target bands,21,-22,BrokerA,MKT,95,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-41,-43,61,5,false,Within IPS guidelines
P4054,Opportunistic,IRA,USD,2025-08-20,1590268,64265,1526003,1.0,64.8,12.1,16.0,7.1,TSLA:8.8%;BRK.B:7.7%;GLD:23.1%;VTI:14.9%;MUB:23.1%;AAPL:22.4%,US:73.5;EU:6.4;APAC:6.6;EM:11.5;Other:2.1,Value:+0.5;Growth:-0.1;Quality:+0.8;Size:-0.5;Momentum:+0.1;LowVol:-0.0,,8,25,6.3,trailing 9%,251,33.9,Volatile,24.6,3.96,2.3,133,42,75,66,true,Rebalance,Rebalance back to target bands,-15,8,BrokerD,LMT,94,Drift>tolerance,Hedge,Allocation drift beyond policy bands,89,-40,174,4,false,Tax-aware sells next window
P4055,Opportunistic,Trust,USD,2025-04-02,1510144,60294,1449850,1.0,71.1,19.7,0.2,8.9,BRK.B:24.8%;QQQ:12.5%;VOO:24.8%;VTI:24.8%;IEF:13.1%,US:72.6;EU:12.1;APAC:4.8;EM:6.8;Other:3.8,Value:-0.1;Growth:-0.4;Quality:-0.8;Size:-0.8;Momentum:-0.7;LowVol:-0.9,MaxPos5%,5,35,4.3,trailing 7%,236,22.1,Bull,14.4,3.82,2.9,85,95,83,44,false,Buy,Add to core equity +1%,-7,-5,BrokerC,MKT,97,None,None,Normal monitoring,101,10,236,5,false,Increase defensive factor exposure
P4056,Hands-off,Trust,USD,2025-07-20,860378,68085,792293,1.0,67.3,24.1,2.8,5.7,TSLA:13.1%;MUB:20.6%;VOO:15.2%;MSFT:17.8%;IEF:12.5%;XLF:20.6%,US:72.4;EU:14.6;APAC:5.4;EM:7.2;Other:0.4,Value:+1.0;Growth:+0.3;Quality:+0.1;Size:+1.0;Momentum:+1.0;LowVol:+0.5,ESGOnly;NoDerivatives,10,25,3.8,hard 10%,108,17.6,Sideways,16.7,3.86,3.3,104,-12,45,50,false,Hedge,Add TLT +1% as duration hedge,32,-13,BrokerB,VWAP,88,None,None,Normal monitoring,-20,-24,109,3,false,Within IPS guidelines
P4057,Opportunistic,Taxable,USD,2025-09-29,937257,82599,854658,1.0,70.5,20.2,4.0,5.4,VOO:33.3%;BND:33.3%;MSFT:33.3%,US:61.4;EU:13.6;APAC:12.2;EM:11.7;Other:1.1,Value:-0.5;Growth:-0.3;Quality:+0.9;Size:-0.6;Momentum:+0.5;LowVol:+0.1,,8,35,5.6,trailing 9%,174,26.6,Bear,27.1,3.99,1.0,192,-58,22,72,true,Hedge,Buy index puts 1% notional,13,-16,BrokerA,LMT,88,Drift>tolerance,Reduce,Allocation drift beyond policy bands,71,-49,57,3,false,Increase defensive factor exposure
P4058,Opportunistic,Taxable,USD,2025-03-06,1420831,96758,1324073,1.0,75.9,14.0,5.2,4.9,MSFT:25.1%;IEF:25.1%;AAPL:15.4%;AMZN:25.1%;XLF:9.5%,US:66.2;EU:12.3;APAC:16.1;EM:4.7;Other:0.6,Value:+0.8;Growth:+0.8;Quality:+0.6;Size:-0.2;Momentum:+0.1;LowVol:-0.8,NoDerivatives,10,35,5.0,trailing 7%,193,23.9,Bull,18.0,4.19,2.5,93,119,100,71,false,Sell,Trim extended winner -1%,30,-31,BrokerC,LMT,93,None,None,Normal monitoring,-56,0,-58,4,false,Tighten stops on momentum names
P4059,Opportunistic,Taxable,USD,2025-11-01,330888,18594,312294,1.0,76.7,12.9,4.0,6.4,XLF:24.2%;AMZN:25.3%;VTI:25.3%;TLT:25.1%,US:67.5;EU:15.9;APAC:9.0;EM:6.6;Other:1.0,Value:-0.3;Growth:-0.2;Quality:-0.7;Size:-0.5;Momentum:+0.6;LowVol:+0.3,,6,35,5.7,trailing 9%,249,27.6,Bull,13.1,4.81,2.6,90,61,76,46,true,Hedge,Buy index puts 1% notional,32,-27,BrokerA,LMT,96,Drift>tolerance,Pause,Allocation drift beyond policy bands,30,3,11,5,false,Increase defensive factor exposure
P4060,Hands-off,Trust,USD,2025-05-22,470277,45963,424314,1.0,62.2,21.4,8.3,8.2,TLT:12.7%;MSFT:24.7%;VTI:24.7%;HYG:13.3%;IEF:24.7%,US:67.4;EU:12.0;APAC:5.2;EM:10.9;Other:4.6,Value:+0.6;Growth:+0.1;Quality:+0.9;Size:-0.1;Momentum:-0.1;LowVol:-0.6,ESGOnly;MaxPos8%,7,30,4.8,trailing 10%,90,13.1,Volatile,25.0,4.79,2.5,119,-27,41,72,true,Reduce,"Cut high-beta by 2-3%, add cash",-14,-6,BrokerD,LMT,90,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-13,-11,46,3,false,Tax-aware sells next window
P4061,Systematic,Taxable,USD,2024-07-23,868690,54707,813983,1.0,67.5,26.2,0.9,5.4,TLT:33.3%;QQQ:33.3%;BRK.B:33.3%,US:62.9;EU:12.1;APAC:9.7;EM:9.8;Other:5.5,Value:-0.2;Growth:-0.8;Quality:+0.8;Size:+0.7;Momentum:-0.5;LowVol:-0.4,,6,25,5.6,trailing 8%,154,16.8,Volatile,28.5,5.09,2.5,138,73,88,84,true,Reduce,"Cut high-beta by 2-3%, add cash",4,-32,BrokerA,LMT,85,VAR>budget,TightenStops,Risk above budget threshold,64,-32,176,5,false,Tax-aware sells next window
P4062,Systematic,Trust,USD,2025-06-23,1187512,85508,1102004,1.0,64.3,28.3,0.0,7.4,BRK.B:21.4%;HYG:20.4%;IEF:21.4%;MSFT:15.3%;BND:21.4%,US:65.4;EU:15.5;APAC:9.6;EM:5.9;Other:3.7,Value:+0.2;Growth:-0.2;Quality:+0.2;Size:-0.7;Momentum:-0.7;LowVol:-0.4,MaxPos5%,6,25,5.2,trailing 9%,136,24.7,Volatile,29.4,4.53,3.7,176,80,100,80,true,Reduce,"Cut high-beta by 2-3%, add cash",23,-31,BrokerD,LMT,100,VAR>budget,TightenStops,Risk above budget threshold,56,-57,176,2,false,Monitor dispersion and breadth
P4063,Systematic,Roth,USD,2025-01-26,1871599,80799,1790800,1.0,58.9,23.4,11.4,6.3,MSFT:17.3%;AMZN:27.6%;VNQ:27.6%;BRK.B:27.6%,US:65.3;EU:12.9;APAC:12.7;EM:8.5;Other:0.6,Value:+0.1;Growth:-0.5;Quality:-0.9;Size:-0.2;Momentum:+1.0;LowVol:+0.1,,10,35,5.6,trailing 9%,178,26.0,Sideways,15.6,4.63,2.2,139,58,78,42,false,Buy,Add to core equity +1%,26,1,BrokerB,LMT,97,None,None,Normal monitoring,21,-23,-12,4,false,Increase defensive factor exposure
P4064,Opportunistic,Trust,USD,2025-02-15,698189,40472,657717,1.0,69.9,14.4,9.0,6.8,TLT:33.3%;GLD:33.3%;TSLA:33.3%,US:66.1;EU:15.0;APAC:12.3;EM:5.8;Other:0.7,Value:-0.7;Growth:-0.6;Quality:0.0;Size:-0.5;Momentum:+1.0;LowVol:-0.9,MaxPos5%,6,30,4.1,hard 12%,175,23.8,Volatile,26.1,3.61,2.3,139,66,95,80,true,Hedge,Buy index puts 1% notional,31,-4,BrokerC,MKT,99,Drift>tolerance,Reduce,Allocation drift beyond policy bands,47,-32,157,4,false,Tax-aware sells next window
P4065,Opportunistic,Trust,USD,2024-08-14,794267,68890,725377,1.0,66.1,14.4,10.9,8.6,IEF:23.7%;MSFT:23.7%;VTI:13.0%;AAPL:23.7%;MUB:16.0%,US:60.3;EU:17.6;APAC:11.6;EM:7.0;Other:3.5,Value:+1.0;Growth:+0.5;Quality:+0.5;Size:+0.9;Momentum:+0.9;LowVol:-0.3,MaxPos7%;NoDerivatives,8,25,6.9,hard 12%,193,33.8,Volatile,24.1,4.69,3.1,151,-33,42,76,true,Hedge,Buy index puts 1% notional,16,10,BrokerC,MKT,97,Drift>tolerance,Hedge,Allocation drift beyond policy bands,27,-32,44,4,false,Monitor dispersion and breadth
P4066,Cautious,IRA,USD,2025-02-21,693886,90030,603856,1.0,48.2,36.0,0.0,15.9,GLD:27.7%;VOO:27.7%;AAPL:16.8%;TSLA:27.7%,US:67.9;EU:14.9;APAC:10.3;EM:3.9;Other:3.0,Value:+0.1;Growth:-0.4;Quality:+0.3;Size:+0.1;Momentum:+0.5;LowVol:-0.4,ESGOnly;NoMargin,8,35,3.1,trailing 8%,126,14.5,Volatile,29.3,4.54,4.1,138,-36,40,73,true,Rebalance,Rebalance back to target bands,-4,-5,BrokerC,MKT,91,VAR>budget,Hedge,Risk above budget threshold,-49,-6,-70,5,false,Tighten stops on momentum names
P4067,Active,Roth,USD,2025-01-05,2213206,226195,1987011,1.19,64.1,24.5,2.0,9.5,IEF:14.8%;BND:24.0%;HYG:24.0%;MSFT:13.0%;BRK.B:24.0%,US:61.7;EU:14.1;APAC:11.9;EM:10.8;Other:1.5,Value:+0.6;Growth:-0.1;Quality:-0.3;Size:+0.8;Momentum:+0.9;LowVol:+0.6,,5,25,5.3,hard 12%,219,17.5,Volatile,29.9,5.24,3.4,152,7,41,86,true,Reduce,"Cut high-beta by 2-3%, add cash",-12,-31,BrokerB,VWAP,97,Drift>tolerance,Hedge,Allocation drift beyond policy bands,56,-34,94,5,false,Monitor dispersion and breadth
P4068,Opportunistic,Roth,USD,2024-11-17,1675199,134266,1540933,1.09,68.0,18.9,6.4,6.7,BRK.B:24.9%;VNQ:11.8%;BND:24.9%;MUB:13.5%;AMZN:24.9%,US:55.7;EU:20.5;APAC:12.5;EM:9.8;Other:1.5,Value:-0.1;Growth:+0.2;Quality:-0.7;Size:-0.9;Momentum:+0.9;LowVol:+0.7,,10,35,7.0,trailing 7%,273,27.5,Sideways,14.6,3.86,2.9,139,22,76,45,false,Sell,Trim extended winner -1%,-15,5,BrokerC,MKT,88,None,None,Normal monitoring,17,-24,3,3,false,Increase defensive factor exposure
P4069,Cautious,Taxable,USD,2024-09-12,476713,38364,438349,1.0,40.3,31.0,16.2,12.5,MUB:33.3%;VNQ:33.3%;TLT:33.3%,US:66.2;EU:12.6;APAC:14.3;EM:5.6;Other:1.2,Value:+0.6;Growth:-0.1;Quality:+0.7;Size:+0.3;Momentum:-0.7;LowVol:+0.9,NoMargin,8,35,3.1,trailing 8%,109,12.2,Sideways,15.8,4.93,2.7,119,52,74,25,false,Rebalance,Shift +1% to bonds from equity,16,7,BrokerD,MKT,95,None,None,Normal monitoring,12,-25,88,4,false,Tax-aware sells next window
P4070,Hands-off,IRA,USD,2025-05-26,393681,19122,374559,1.0,55.7,18.0,18.1,8.2,TLT:33.3%;MSFT:33.3%;VTI:33.3%,US:71.8;EU:13.3;APAC:5.9;EM:4.8;Other:4.1,Value:-0.5;Growth:+0.6;Quality:-0.9;Size:+1.0;Momentum:-0.6;LowVol:-0.1,ESGOnly,10,25,3.7,trailing 8%,98,15.9,Bear,23.2,3.34,2.4,146,-28,51,49,false,Buy,Add to core equity +1%,20,1,BrokerD,LMT,99,None,None,Normal monitoring,26,-15,-14,4,false,Tighten stops on momentum names
P4071,Systematic,Trust,USD,2025-03-27,1869558,106358,1763200,1.0,55.7,30.9,5.3,8.1,BRK.B:19.2%;BND:26.9%;VNQ:26.9%;TLT:26.9%,US:74.6;EU:8.1;APAC:9.0;EM:5.5;Other:2.9,Value:-0.3;Growth:-0.2;Quality:+0.8;Size:+1.0;Momentum:+0.7;LowVol:+0.7,MaxPos5%;NoDerivatives,8,25,4.6,hard 12%,226,21.4,Volatile,27.8,3.81,3.0,175,-44,16,62,false,Sell,Trim extended winner -1%,25,8,BrokerC,MKT,86,None,None,Normal monitoring,109,6,232,4,false,Monitor dispersion and breadth
P4072,Hands-off,401k,USD,2024-07-11,559975,30548,529427,1.0,62.5,29.7,2.7,5.2,AAPL:28.4%;XLF:28.2%;MUB:14.9%;IEF:28.4%,US:62.0;EU:15.6;APAC:13.8;EM:6.8;Other:1.9,Value:+0.1;Growth:+0.4;Quality:-0.5;Size:-0.0;Momentum:-0.8;LowVol:-0.1,NoDerivatives,10,30,3.4,trailing 10%,100,16.8,Bear,26.9,3.99,2.6,202,-21,52,72,true,Hedge,Buy index puts 1% notional,-10,-39,BrokerA,MKT,95,VAR>budget,Hedge,Risk above budget threshold,84,-32,183,4,false,Monitor dispersion and breadth
P4073,Active,Trust,USD,2025-05-08,599830,42102,557728,1.0,65.1,27.7,0.0,7.1,VTI:27.5%;VNQ:27.5%;AMZN:17.5%;VOO:27.5%,US:62.2;EU:20.5;APAC:9.2;EM:3.9;Other:4.3,Value:-0.1;Growth:+0.4;Quality:+0.4;Size:-0.2;Momentum:+0.9;LowVol:-0.2,NoDerivatives,7,35,5.0,trailing 8%,187,24.4,Sideways,19.6,4.94,2.8,136,9,46,65,false,Rebalance,Shift +1% to bonds from equity,13,-30,BrokerA,LMT,100,None,None,Normal monitoring,-60,-59,-37,3,false,Tax-aware sells next window
P4074,Active,401k,USD,2025-01-12,816849,76323,740526,1.0,61.0,24.6,6.6,7.9,IEF:19.1%;AMZN:23.7%;VTI:23.7%;VOO:9.9%;QQQ:23.7%,US:68.1;EU:10.8;APAC:12.4;EM:7.8;Other:0.9,Value:+0.1;Growth:+1.0;Quality:+1.0;Size:-1.0;Momentum:+0.2;LowVol:+0.4,,5,30,4.9,trailing 9%,163,26.3,Bear,31.5,4.49,2.8,132,-8,55,71,true,Hedge,Buy index puts 1% notional,35,-17,BrokerC,MKT,88,VAR>budget,Reduce,Risk above budget threshold,36,-48,136,2,false,Tighten stops on momentum names
P4075,Cautious,Roth,USD,2025-03-16,883594,136114,747480,1.0,44.2,40.5,0.0,15.4,MUB:27.7%;AAPL:16.8%;VNQ:27.7%;MSFT:27.7%,US:59.2;EU:13.8;APAC:12.1;EM:11.7;Other:3.2,Value:-0.4;Growth:+0.1;Quality:+0.2;Size:+0.9;Momentum:+0.3;LowVol:-1.0,MaxPos6%;NoDerivatives;NoMargin,6,25,3.8,hard 10%,110,16.4,Volatile,22.6,3.88,2.7,135,-44,15,43,true,Rebalance,Rebalance back to target bands,14,-35,BrokerC,MKT,99,RegimeShift,TightenStops,Volatility spike and breadth deterioration,36,-47,-3,5,false,Within IPS guidelines
P4076,Hands-off,Taxable,USD,2025-09-28,150846,12452,138394,1.0,57.4,25.8,8.5,8.3,VNQ:16.3%;IEF:27.9%;QQQ:27.9%;MUB:27.9%,US:62.5;EU:19.3;APAC:7.6;EM:8.2;Other:2.4,Value:+0.4;Growth:0.0;Quality:-0.9;Size:-0.1;Momentum:-0.9;LowVol:+0.4,ESGOnly,5,25,5.9,hard 10%,126,18.9,Bear,29.8,4.29,2.1,173,-56,13,81,true,Hedge,Buy index puts 1% notional,5,8,BrokerA,LMT,91,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,96,-57,86,5,true,Tighten stops on momentum names
P4077,Hands-off,Trust,USD,2025-04-22,167608,14523,153085,1.0,66.6,26.2,0.0,7.2,QQQ:13.9%;IEF:27.0%;AAPL:17.1%;BND:15.1%;VTI:27.0%,US:76.5;EU:7.8;APAC:6.9;EM:8.5;Other:0.3,Value:+0.7;Growth:+0.5;Quality:-0.1;Size:-0.7;Momentum:+0.4;LowVol:-0.3,,5,25,3.6,trailing 8%,113,15.8,Volatile,29.1,4.62,4.2,163,18,69,81,true,Hedge,Buy index puts 1% notional,10,-28,BrokerC,LMT,89,Drift>tolerance,Hedge,Allocation drift beyond policy bands,72,-57,80,3,true,Tax-aware sells next window
P4078,Hands-off,Trust,USD,2025-01-12,788917,56705,732212,1.0,66.8,23.0,3.4,6.7,BRK.B:13.7%;TSLA:20.5%;TLT:18.7%;HYG:23.6%;VNQ:23.6%,US:58.4;EU:19.9;APAC:11.4;EM:9.4;Other:1.0,Value:-0.4;Growth:-0.4;Quality:+0.9;Size:+0.6;Momentum:-0.8;LowVol:-0.4,MaxPos5%;NoDerivatives,5,25,3.7,trailing 8%,163,13.9,Bull,13.1,4.07,2.5,112,109,97,39,false,NoAction,Within bands; monitor,30,-7,BrokerA,MKT,0,None,None,Normal monitoring,-2,9,-23,5,false,Tighten stops on momentum names
P4079,Systematic,Taxable,USD,2025-06-30,1917597,183718,1733879,1.0,61.5,33.1,0.0,5.4,TSLA:21.2%;BND:12.0%;GLD:15.9%;BRK.B:20.8%;AAPL:9.0%;VOO:21.2%,US:74.6;EU:11.5;APAC:8.8;EM:5.0;Other:0.2,Value:+0.4;Growth:+0.1;Quality:+0.6;Size:+0.9;Momentum:+0.6;LowVol:+0.2,,8,35,5.8,trailing 8%,196,25.1,Volatile,26.7,3.77,2.8,175,2,64,71,true,Reduce,"Cut high-beta by 2-3%, add cash",21,-25,BrokerA,LMT,100,VAR>budget,TightenStops,Risk above budget threshold,99,-30,161,4,false,Tax-aware sells next window
P4080,Cautious,Trust,USD,2024-12-22,303925,48023,255902,1.0,41.0,42.8,0.7,15.5,XLF:28.5%;TLT:18.9%;GLD:24.1%;TSLA:28.5%,US:68.4;EU:15.3;APAC:6.4;EM:7.0;Other:2.9,Value:+0.1;Growth:-0.4;Quality:+0.1;Size:+0.3;Momentum:+1.0;LowVol:+0.7,ESGOnly;NoMargin,5,35,5.4,trailing 8%,109,19.6,Bull,16.0,3.7,3.5,109,54,72,30,false,Rebalance,Shift +1% to bonds from equity,5,10,BrokerD,VWAP,91,None,None,Normal monitoring,-58,-51,1,3,false,Within IPS guidelines
P4081,Active,Taxable,USD,2025-08-22,1883334,134285,1749049,1.0,67.8,20.9,4.0,7.3,TSLA:10.9%;BND:15.9%;MUB:23.1%;QQQ:10.1%;HYG:23.1%;GLD:17.0%,US:75.2;EU:9.3;APAC:10.0;EM:4.2;Other:1.3,Value:-0.8;Growth:-0.2;Quality:+0.6;Size:-0.2;Momentum:-0.2;LowVol:-0.2,,6,35,4.8,hard 12%,124,26.0,Bear,33.2,3.38,1.4,176,-28,48,79,true,Hedge,Buy index puts 1% notional,-9,-4,BrokerB,LMT,97,VAR>budget,Hedge,Risk above budget threshold,75,-56,191,5,false,Increase defensive factor exposure
P4082,Cautious,Trust,USD,2025-09-08,514787,46315,468472,1.0,46.0,42.8,0.0,11.2,GLD:33.3%;AMZN:33.3%;HYG:33.3%,US:72.3;EU:7.8;APAC:12.6;EM:5.2;Other:2.1,Value:-0.2;Growth:+0.8;Quality:-0.9;Size:-0.5;Momentum:-0.8;LowVol:-1.0,NoDerivatives;NoMargin,7,30,4.1,hard 10%,147,16.5,Bull,17.1,3.56,2.2,94,17,52,39,false,Buy,Add to core equity +1%,-2,-34,BrokerA,MKT,91,None,None,Normal monitoring,78,-29,119,4,false,Within IPS guidelines
P4083,Opportunistic,Roth,USD,2024-10-02,1682929,67943,1614986,1.0,66.5,11.6,14.9,7.0,XLF:33.3%;MUB:33.3%;BRK.B:33.3%,US:58.9;EU:14.1;APAC:14.1;EM:9.3;Other:3.5,Value:+0.4;Growth:-0.5;Quality:+0.1;Size:-0.6;Momentum:+0.9;LowVol:-0.3,MaxPos8%,8,35,5.1,trailing 9%,221,26.1,Bull,16.9,3.74,3.4,87,16,43,43,false,Hedge,Add TLT +1% as duration hedge,-13,-17,BrokerC,LMT,88,None,None,Normal monitoring,103,-11,151,3,false,Tighten stops on momentum names
P4084,Systematic,Roth,USD,2024-08-04,1990874,175432,1815442,1.0,58.1,22.0,14.8,5.1,BND:27.1%;QQQ:18.8%;MSFT:27.1%;GLD:27.1%,US:62.1;EU:14.6;APAC:9.0;EM:10.5;Other:3.8,Value:-0.6;Growth:+0.9;Quality:-0.7;Size:+0.5;Momentum:-0.2;LowVol:-0.7,,8,30,5.6,hard 12%,193,25.1,Volatile,30.2,4.04,2.8,144,-11,59,78,true,Reduce,"Cut high-beta by 2-3%, add cash",6,8,BrokerC,LMT,96,Drift>tolerance,Reduce,Allocation drift beyond policy bands,27,-30,55,2,false,Increase defensive factor exposure
P4085,Cautious,Roth,USD,2025-08-30,208404,28559,179845,1.0,49.8,33.6,2.5,14.1,IEF:24.3%;TLT:23.9%;VOO:25.9%;BND:25.9%,US:74.5;EU:10.2;APAC:7.8;EM:6.8;Other:0.6,Value:-0.5;Growth:+0.4;Quality:-0.6;Size:-0.2;Momentum:+0.9;LowVol:-0.5,ESGOnly;MaxPos6%;NoMargin,7,30,3.0,hard 10%,108,16.6,Bear,24.7,4.43,1.8,171,-117,5,59,false,Rebalance,Shift +1% to bonds from equity,22,-26,BrokerB,MKT,90,None,None,Normal monitoring,74,2,208,3,false,Tighten stops on momentum names
P4086,Opportunistic,Roth,USD,2025-10-04,519077,20790,498287,1.0,73.5,20.8,0.0,5.7,VOO:20.8%;MUB:9.5%;MSFT:17.6%;AAPL:17.1%;BND:21.2%;TSLA:13.8%,US:75.0;EU:9.9;APAC:5.8;EM:6.3;Other:2.9,Value:+0.8;Growth:+0.2;Quality:-0.8;Size:-0.2;Momentum:-0.5;LowVol:+0.3,MaxPos5%,10,25,4.0,trailing 9%,171,32.2,Volatile,31.9,4.36,3.0,171,-15,31,92,true,Hedge,Buy index puts 1% notional,33,-31,BrokerA,MKT,85,Drift>tolerance,Hedge,Allocation drift beyond policy bands,114,-58,204,5,false,Increase defensive factor exposure
P4087,Hands-off,IRA,USD,2025-08-21,602372,48300,554072,1.0,58.9,19.5,15.1,6.5,MUB:21.6%;AMZN:21.6%;HYG:21.6%;QQQ:19.1%;XLF:16.3%,US:68.3;EU:13.8;APAC:11.4;EM:5.1;Other:1.4,Value:-0.0;Growth:+0.8;Quality:+0.8;Size:-0.2;Momentum:-0.6;LowVol:+0.4,MaxPos7%,7,30,4.8,trailing 10%,122,19.1,Volatile,25.4,4.59,3.1,117,75,84,60,false,Rebalance,Shift +1% to bonds from equity,-8,0,BrokerA,LMT,88,None,None,Normal monitoring,29,-8,29,5,false,Tax-aware sells next window
P4088,Systematic,Roth,USD,2025-05-20,1379510,85484,1294026,1.0,61.9,28.6,0.0,9.5,TLT:30.9%;AAPL:34.6%;BRK.B:34.6%,US:75.7;EU:5.8;APAC:5.6;EM:9.1;Other:3.8,Value:+0.4;Growth:-1.0;Quality:-0.2;Size:-0.8;Momentum:+0.3;LowVol:-0.8,,10,30,4.3,hard 12%,226,21.3,Volatile,28.2,4.16,2.2,146,-34,19,73,true,Hedge,Buy index puts 1% notional,24,-22,BrokerC,VWAP,98,Drift>tolerance,Reduce,Allocation drift beyond policy bands,43,-54,136,2,false,Tax-aware sells next window
P4089,Hands-off,Roth,USD,2024-11-08,388435,26593,361842,1.0,61.2,20.8,11.5,6.6,BND:28.6%;AMZN:15.3%;MSFT:28.6%;AAPL:27.6%,US:71.5;EU:8.9;APAC:16.1;EM:3.4;Other:0.1,Value:-0.4;Growth:-0.5;Quality:-0.8;Size:-0.1;Momentum:+0.8;LowVol:-0.3,NoDerivatives,7,25,3.4,hard 10%,122,19.8,Bear,33.4,4.23,3.0,139,29,73,89,true,Reduce,"Cut high-beta by 2-3%, add cash",8,-4,BrokerA,MKT,91,VAR>budget,Reduce,Risk above budget threshold,93,-52,107,3,false,Increase defensive factor exposure
P4090,Opportunistic,Trust,USD,2025-12-15,1428392,62701,1365691,1.0,76.8,17.6,0.0,5.7,VNQ:19.8%;QQQ:20.7%;MUB:20.7%;VOO:13.0%;BRK.B:6.0%;MSFT:19.8%,US:64.2;EU:17.5;APAC:6.5;EM:9.7;Other:2.0,Value:-0.8;Growth:+0.4;Quality:-0.9;Size:-0.1;Momentum:-0.7;LowVol:+0.8,MaxPos6%,10,35,5.9,trailing 7%,201,20.7,Bull,14.0,4.38,2.9,100,114,100,54,false,Rebalance,Shift +1% to bonds from equity,9,-16,BrokerC,MKT,86,None,None,Normal monitoring,-33,-5,70,4,false,Increase defensive factor exposure
P4091,Opportunistic,Trust,USD,2025-05-21,401044,32306,368738,1.0,61.3,10.9,23.5,4.2,IEF:22.9%;QQQ:18.8%;GLD:20.2%;VTI:22.9%;MUB:15.2%,US:67.8;EU:16.2;APAC:5.9;EM:5.4;Other:4.6,Value:+0.1;Growth:+0.5;Quality:+0.8;Size:+0.2;Momentum:-0.8;LowVol:+0.7,MaxPos6%;NoDerivatives,10,35,5.1,trailing 9%,248,20.8,Bull,17.4,3.68,2.8,72,62,68,43,false,NoAction,Within bands; monitor,33,-25,BrokerD,LMT,96,None,None,Normal monitoring,3,16,-22,4,false,Within IPS guidelines
P4092,Active,Taxable,USD,2025-09-13,1786612,151424,1635188,1.11,64.3,29.1,0.0,6.6,XLF:26.2%;MSFT:21.5%;HYG:26.2%;GLD:26.2%,US:59.1;EU:13.1;APAC:11.9;EM:12.2;Other:3.8,Value:+0.7;Growth:-0.6;Quality:+1.0;Size:+0.8;Momentum:-0.7;LowVol:+0.1,MaxPos6%,6,35,6.0,hard 12%,224,21.2,Volatile,21.0,4.6,2.6,155,56,76,61,false,Sell,Trim extended winner -1%,-7,15,BrokerC,MKT,86,None,None,Normal monitoring,79,-18,188,5,false,Tax-aware sells next window
P4093,Opportunistic,IRA,USD,2025-02-13,1395217,118514,1276703,1.14,62.8,10.7,21.6,4.9,GLD:33.3%;AMZN:33.3%;MUB:33.3%,US:60.6;EU:17.1;APAC:11.0;EM:7.5;Other:3.8,Value:+0.4;Growth:+0.2;Quality:-0.1;Size:-0.7;Momentum:-0.2;LowVol:+0.2,,6,35,6.3,hard 12%,244,32.0,Sideways,18.6,3.73,3.4,101,49,75,63,false,Sell,Trim extended winner -1%,10,5,BrokerC,MKT,86,None,None,Normal monitoring,-6,5,132,5,false,Monitor dispersion and breadth
P4094,Cautious,401k,USD,2025-01-01,277754,38675,239079,1.0,41.6,32.9,8.9,16.5,BRK.B:28.3%;AMZN:15.1%;VNQ:28.3%;MSFT:28.3%,US:66.7;EU:9.0;APAC:15.0;EM:7.9;Other:1.5,Value:-0.6;Growth:-1.0;Quality:+0.8;Size:-0.9;Momentum:-1.0;LowVol:+0.7,NoDerivatives;NoMargin,7,30,3.6,trailing 8%,98,19.8,Sideways,18.4,4.54,2.8,102,-22,42,44,false,Sell,Trim extended winner -1%,15,-15,BrokerC,LMT,95,None,None,Normal monitoring,58,-3,184,3,false,Within IPS guidelines
P4095,Hands-off,Taxable,USD,2024-08-06,555005,35292,519713,1.0,65.6,26.6,0.0,7.7,TSLA:33.3%;TLT:33.3%;BND:33.3%,US:69.4;EU:10.5;APAC:12.3;EM:7.8;Other:0.0,Value:+0.9;Growth:-0.6;Quality:+0.2;Size:+0.5;Momentum:-0.8;LowVol:-0.0,ESGOnly,8,35,5.4,trailing 10%,151,16.9,Volatile,22.4,4.34,3.5,134,78,96,61,false,Sell,Trim extended winner -1%,4,4,BrokerB,VWAP,92,None,None,Normal monitoring,-27,8,93,4,false,Monitor dispersion and breadth
P4096,Opportunistic,401k,USD,2024-08-16,1294990,92178,1202812,1.0,68.3,17.2,7.6,7.0,AAPL:17.6%;MSFT:24.8%;HYG:19.6%;TLT:13.1%;IEF:24.8%,US:73.6;EU:12.2;APAC:6.8;EM:6.2;Other:1.2,Value:+0.3;Growth:+0.1;Quality:+0.4;Size:-0.8;Momentum:+1.0;LowVol:+0.4,,6,30,5.0,trailing 9%,161,27.2,Sideways,18.6,4.28,3.1,137,52,67,57,false,Hedge,Add TLT +1% as duration hedge,-9,-36,BrokerC,MKT,92,None,None,Normal monitoring,-46,-13,30,4,false,Within IPS guidelines
P4097,Active,Roth,USD,2025-03-26,913491,84358,829133,1.0,61.8,20.5,8.5,9.2,BRK.B:22.6%;VTI:22.6%;TSLA:22.6%;AMZN:18.0%;MSFT:14.1%,US:72.3;EU:8.9;APAC:5.8;EM:8.5;Other:4.5,Value:+0.7;Growth:-0.5;Quality:+0.3;Size:-0.3;Momentum:+0.2;LowVol:+0.6,NoDerivatives,8,30,4.2,hard 12%,182,21.5,Bull,18.0,3.99,3.3,73,2,45,51,false,NoAction,Within bands; monitor,27,-3,BrokerD,LMT,96,None,None,Normal monitoring,68,-27,208,3,false,Within IPS guidelines
P4098,Hands-off,IRA,USD,2025-11-14,310797,29220,281577,1.0,64.5,20.2,6.3,9.0,TSLA:25.0%;VOO:25.0%;TLT:25.0%;MSFT:25.0%,US:60.1;EU:19.1;APAC:12.0;EM:8.2;Other:0.7,Value:-0.0;Growth:+0.9;Quality:+0.4;Size:-0.2;Momentum:+0.4;LowVol:+1.0,ESGOnly;NoDerivatives,10,35,4.2,hard 10%,143,14.1,Sideways,19.4,4.39,2.7,138,-9,47,55,false,Rebalance,Shift +1% to bonds from equity,3,-6,BrokerA,MKT,90,None,None,Normal monitoring,94,18,115,3,false,Increase defensive factor exposure
P4099,Hands-off,IRA,USD,2025-04-27,860830,82604,778226,1.0,55.6,16.2,22.5,5.7,VTI:33.3%;TLT:33.3%;BND:33.3%,US:68.8;EU:13.9;APAC:8.4;EM:8.1;Other:0.9,Value:-0.0;Growth:+0.9;Quality:-0.2;Size:+0.4;Momentum:-0.1;LowVol:+0.8,MaxPos5%,7,35,4.9,hard 10%,144,19.6,Bear,24.3,3.14,2.7,200,-99,5,61,false,NoAction,Within bands; monitor,4,-31,BrokerD,MKT,0,None,None,Normal monitoring,-53,-12,4,3,false,Increase defensive factor exposure
P4100,Opportunistic,IRA,USD,2025-01-10,1328266,69111,1259155,1.0,69.1,19.9,2.8,8.1,VNQ:15.4%;TLT:24.0%;QQQ:13.8%;TSLA:22.9%;VTI:24.0%,US:59.5;EU:14.8;APAC:9.9;EM:11.9;Other:3.9,Value:+0.5;Growth:+0.9;Quality:-1.0;Size:-0.9;Momentum:-0.2;LowVol:+0.5,MaxPos6%,10,30,4.4,trailing 7%,252,21.5,Bull,15.0,4.07,2.6,77,28,49,55,false,Sell,Trim extended winner -1%,21,-33,BrokerC,VWAP,95,None,None,Normal monitoring,39,19,40,4,false,Tighten stops on momentum names
P4101,Opportunistic,Trust,USD,2025-05-31,1303326,62326,1241000,1.08,65.1,21.4,7.9,5.6,BRK.B:20.5%;MUB:14.5%;XLF:18.4%;GLD:14.4%;AAPL:18.4%;IEF:13.8%,US:68.6;EU:14.5;APAC:5.6;EM:7.8;Other:3.6,Value:-0.9;Growth:+0.9;Quality:+0.6;Size:+0.2;Momentum:+0.7;LowVol:-0.3,MaxPos6%,7,25,4.3,hard 12%,201,29.0,Sideways,21.7,4.51,2.4,131,47,74,72,false,Buy,Add to core equity +1%,19,-31,BrokerB,MKT,98,None,None,Normal monitoring,4,-50,4,3,false,Within IPS guidelines
P4102,Hands-off,401k,USD,2025-06-05,519609,39246,480363,1.0,68.0,24.3,0.0,7.7,MSFT:12.9%;QQQ:15.9%;AMZN:16.2%;GLD:20.8%;VNQ:13.4%;MUB:20.8%,US:64.6;EU:14.3;APAC:10.3;EM:6.6;Other:4.2,Value:+0.6;Growth:+0.6;Quality:-0.4;Size:-0.7;Momentum:+0.6;LowVol:+0.7,ESGOnly;NoDerivatives,10,30,5.5,hard 10%,100,18.1,Sideways,19.4,4.91,2.5,90,-27,40,55,true,Hedge,Buy index puts 1% notional,7,3,BrokerC,LMT,100,RegimeShift,TightenStops,Volatility spike and breadth deterioration,13,-57,112,3,false,Increase defensive factor exposure
P4103,Cautious,IRA,USD,2025-04-30,780147,77193,702954,1.0,50.2,36.7,0.0,13.1,VTI:23.0%;HYG:18.9%;VNQ:12.0%;QQQ:23.0%;MUB:23.0%,US:68.8;EU:10.7;APAC:7.9;EM:9.7;Other:3.0,Value:+0.4;Growth:-0.8;Quality:+0.8;Size:-1.0;Momentum:+0.8;LowVol:+0.5,MaxPos8%;NoDerivatives;NoMargin,5,35,5.7,trailing 8%,152,15.8,Bear,25.0,3.79,1.2,185,-58,25,54,false,Buy,Add to core equity +1%,16,10,BrokerD,LMT,97,None,None,Normal monitoring,90,18,163,3,false,Tax-aware sells next window
P4104,Opportunistic,IRA,USD,2024-10-23,685001,51425,633576,1.0,76.1,15.5,0.4,7.9,TLT:33.3%;XLF:33.3%;HYG:33.3%,US:56.3;EU:21.7;APAC:8.1;EM:12.7;Other:1.2,Value:0.0;Growth:+0.4;Quality:-0.8;Size:-0.1;Momentum:-0.0;LowVol:-0.4,MaxPos5%;NoDerivatives,10,35,7.0,trailing 9%,243,21.6,Volatile,24.5,3.81,3.5,112,59,64,71,true,Hedge,Buy index puts 1% notional,24,-9,BrokerB,LMT,99,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-30,-53,75,5,false,Within IPS guidelines
P4105,Opportunistic,Roth,USD,2024-12-18,1507361,120725,1386636,1.0,66.6,13.8,12.7,6.8,XLF:27.1%;TLT:27.1%;AMZN:18.6%;AAPL:27.1%,US:57.8;EU:16.6;APAC:14.1;EM:9.2;Other:2.2,Value:-0.1;Growth:-0.1;Quality:-0.0;Size:-0.2;Momentum:+0.3;LowVol:-0.4,,5,30,5.8,hard 12%,169,27.2,Volatile,23.4,4.47,4.0,153,-52,15,60,false,Buy,Add to core equity +1%,23,4,BrokerC,MKT,86,None,None,Normal monitoring,-48,-5,50,5,false,Tax-aware sells next window
P4106,Opportunistic,IRA,USD,2025-10-25,958857,74400,884457,1.16,68.5,21.0,4.8,5.7,VTI:27.7%;QQQ:14.8%;TLT:28.7%;AMZN:28.7%,US:66.2;EU:10.8;APAC:11.3;EM:8.7;Other:3.0,Value:+0.7;Growth:+0.6;Quality:+0.7;Size:+0.2;Momentum:+0.6;LowVol:+0.3,,10,30,5.2,trailing 9%,256,27.1,Bull,13.9,4.77,3.4,77,58,91,57,false,Hedge,Add TLT +1% as duration hedge,21,15,BrokerC,LMT,85,None,None,Normal monitoring,-52,-10,-50,3,false,Tighten stops on momentum names
P4107,Opportunistic,401k,USD,2025-10-21,468837,30129,438708,1.0,72.1,13.4,8.5,6.0,VNQ:33.3%;AMZN:33.3%;IEF:33.3%,US:57.6;EU:19.0;APAC:9.6;EM:12.2;Other:1.6,Value:+0.3;Growth:+0.1;Quality:+0.2;Size:+0.4;Momentum:-0.6;LowVol:-0.7,MaxPos6%,6,25,6.2,trailing 7%,195,28.7,Bull,13.1,4.74,2.9,78,103,100,43,false,Rebalance,Shift +1% to bonds from equity,2,-27,BrokerD,LMT,85,None,None,Normal monitoring,44,-31,109,4,false,Within IPS guidelines
P4108,Opportunistic,Taxable,USD,2025-05-31,456565,36299,420266,1.0,60.3,20.5,14.2,5.1,XLF:12.7%;AMZN:20.7%;BND:7.4%;TSLA:21.5%;IEF:16.2%;AAPL:21.5%,US:67.3;EU:10.5;APAC:12.7;EM:8.7;Other:0.8,Value:+0.5;Growth:-0.6;Quality:+0.9;Size:-0.9;Momentum:-1.0;LowVol:-0.1,MaxPos8%;NoDerivatives,8,30,5.7,trailing 7%,237,29.8,Bear,22.0,3.19,1.3,153,36,79,63,false,Sell,Trim extended winner -1%,-9,-24,BrokerD,MKT,99,None,None,Normal monitoring,92,-11,176,4,false,Increase defensive factor exposure
P4109,Hands-off,IRA,USD,2024-12-14,533508,26522,506986,1.0,56.4,25.7,10.9,7.0,HYG:35.5%;VTI:35.5%;MUB:29.0%,US:74.5;EU:6.0;APAC:11.9;EM:7.3;Other:0.3,Value:-0.6;Growth:-0.8;Quality:-0.5;Size:0.0;Momentum:-0.7;LowVol:+0.9,ESGOnly;NoDerivatives,6,35,4.0,trailing 8%,95,16.0,Sideways,14.2,4.56,2.4,118,30,74,46,false,Sell,Trim extended winner -1%,6,-12,BrokerB,LMT,95,None,None,Normal monitoring,87,-4,217,3,false,Tighten stops on momentum names
P4110,Opportunistic,Roth,USD,2025-03-01,864945,52069,812876,1.22,67.6,16.5,9.5,6.4,VTI:32.2%;MSFT:33.9%;AAPL:33.9%,US:68.4;EU:14.3;APAC:10.3;EM:2.8;Other:4.1,Value:-0.9;Growth:-0.1;Quality:-0.7;Size:+1.0;Momentum:+0.6;LowVol:-0.6,MaxPos7%;NoDerivatives,10,30,5.0,trailing 9%,246,30.2,Volatile,27.9,5.15,4.0,147,12,52,66,false,Buy,Add to core equity +1%,35,-5,BrokerA,LMT,98,None,None,Normal monitoring,-6,-8,-40,5,false,Monitor dispersion and breadth
P4111,Opportunistic,Trust,USD,2025-10-15,1551297,91871,1459426,1.17,64.9,16.8,13.4,5.0,HYG:33.3%;VOO:33.3%;GLD:33.3%,US:71.6;EU:11.9;APAC:11.8;EM:4.3;Other:0.5,Value:+0.1;Growth:+0.5;Quality:-0.5;Size:-0.0;Momentum:-0.8;LowVol:-0.2,MaxPos8%,10,25,5.2,trailing 9%,257,28.8,Sideways,20.3,4.25,2.7,135,-1,36,64,false,Buy,Add to core equity +1%,32,-18,BrokerD,MKT,93,None,None,Normal monitoring,21,-25,-17,4,false,Within IPS guidelines
P4112,Cautious,IRA,USD,2025-06-19,700643,68621,632022,1.0,40.0,37.5,5.6,16.9,QQQ:20.6%;AMZN:20.6%;TLT:16.1%;BND:20.6%;MSFT:13.6%;VTI:8.4%,US:66.9;EU:11.4;APAC:10.9;EM:8.3;Other:2.5,Value:+0.2;Growth:+0.9;Quality:-0.4;Size:+0.4;Momentum:-0.8;LowVol:-0.3,ESGOnly;NoDerivatives;NoMargin,6,25,4.6,hard 10%,166,19.8,Sideways,21.3,3.61,2.8,127,8,65,48,false,Rebalance,Shift +1% to bonds from equity,1,-37,BrokerB,VWAP,88,None,None,Normal monitoring,41,-23,5,5,false,Tax-aware sells next window
P4113,Opportunistic,Taxable,USD,2025-12-15,469257,27738,441519,1.0,77.0,16.1,0.2,6.6,XLF:22.4%;IEF:25.9%;VNQ:25.9%;VOO:25.9%,US:66.0;EU:8.7;APAC:9.2;EM:10.9;Other:5.2,Value:-0.1;Growth:-0.1;Quality:+0.2;Size:+1.0;Momentum:+0.8;LowVol:-0.9,,5,25,5.3,hard 12%,234,20.5,Volatile,26.9,5.48,3.6,163,-27,46,89,true,Hedge,Buy index puts 1% notional,17,-1,BrokerD,MKT,96,Drift>tolerance,Reduce,Allocation drift beyond policy bands,14,12,139,2,false,Tax-aware sells next window
P4114,Hands-off,Trust,USD,2024-12-23,198569,17712,180857,1.0,60.0,16.3,16.5,7.2,BND:22.2%;AMZN:19.3%;HYG:19.5%;XLF:20.5%;MUB:18.4%,US:72.5;EU:9.4;APAC:8.7;EM:8.6;Other:0.8,Value:0.0;Growth:+0.4;Quality:-0.3;Size:+0.5;Momentum:-0.6;LowVol:+0.7,MaxPos7%,6,35,5.7,trailing 10%,148,17.6,Bear,28.9,3.6,1.8,178,-32,35,75,true,Reduce,"Cut high-beta by 2-3%, add cash",17,-37,BrokerB,VWAP,86,Drift>tolerance,Pause,Allocation drift beyond policy bands,6,0,59,4,false,Within IPS guidelines
P4115,Cautious,401k,USD,2024-08-14,289575,31654,257921,1.0,47.0,42.3,0.0,10.7,TSLA:36.1%;MUB:36.1%;IEF:27.9%,US:60.4;EU:20.6;APAC:7.1;EM:9.4;Other:2.5,Value:+0.4;Growth:+0.1;Quality:-0.1;Size:-0.6;Momentum:-0.9;LowVol:-0.6,ESGOnly;NoMargin,5,25,5.6,trailing 10%,159,18.3,Sideways,15.5,4.44,3.0,100,19,59,46,false,Sell,Trim extended winner -1%,7,-17,BrokerA,MKT,95,None,None,Normal monitoring,89,4,191,3,false,Increase defensive factor exposure
P4116,Cautious,Roth,USD,2025-04-13,293817,30641,263176,1.0,42.5,34.7,10.3,12.5,MSFT:33.3%;AMZN:33.3%;VTI:33.3%,US:61.3;EU:15.9;APAC:14.8;EM:4.8;Other:3.3,Value:-0.5;Growth:+0.2;Quality:-0.9;Size:+0.9;Momentum:-0.6;LowVol:-0.3,ESGOnly;MaxPos6%;NoDerivatives;NoMargin,5,35,5.2,trailing 10%,113,13.2,Bull,15.2,3.7,2.0,87,28,54,45,false,Rebalance,Shift +1% to bonds from equity,15,13,BrokerC,LMT,85,None,None,Normal monitoring,95,10,211,5,false,Tighten stops on momentum names
P4117,Systematic,IRA,USD,2024-08-08,981874,95136,886738,1.0,68.3,25.0,0.3,6.3,AMZN:23.4%;VNQ:25.5%;GLD:25.5%;BND:25.5%,US:62.0;EU:9.9;APAC:14.7;EM:11.8;Other:1.6,Value:+0.9;Growth:-0.1;Quality:-0.6;Size:-0.9;Momentum:+0.1;LowVol:0.0,NoDerivatives,5,25,5.4,trailing 8%,226,27.9,Volatile,28.1,4.51,2.8,147,-45,26,79,true,Rebalance,Rebalance back to target bands,33,-31,BrokerC,MKT,85,RegimeShift,Hedge,Volatility spike and breadth deterioration,-47,-23,39,5,false,Tax-aware sells next window
P4118,Opportunistic,401k,USD,2025-11-29,652819,54675,598144,1.13,67.7,15.8,12.3,4.1,TLT:14.5%;MUB:21.9%;VTI:21.9%;XLF:21.9%;AMZN:19.8%,US:69.7;EU:12.4;APAC:6.4;EM:6.8;Other:4.7,Value:-0.2;Growth:+0.7;Quality:-0.4;Size:-0.7;Momentum:+0.8;LowVol:+0.4,MaxPos6%,7,30,6.0,trailing 7%,194,20.1,Volatile,30.5,3.52,3.2,147,-52,12,84,true,Hedge,Buy index puts 1% notional,4,-13,BrokerA,LMT,99,Drift>tolerance,Hedge,Allocation drift beyond policy bands,0,-42,118,3,false,Monitor dispersion and breadth
P4119,Hands-off,Trust,USD,2025-05-17,270553,12921,257632,1.0,70.3,20.9,0.0,8.8,BND:19.0%;HYG:21.2%;IEF:21.2%;AMZN:13.0%;VNQ:14.5%;AAPL:11.3%,US:74.7;EU:7.8;APAC:9.5;EM:5.0;Other:3.0,Value:-0.9;Growth:+0.9;Quality:-0.1;Size:+1.0;Momentum:+0.9;LowVol:-0.2,NoDerivatives,10,30,5.2,trailing 8%,160,18.6,Bull,15.9,3.94,3.2,70,46,74,63,false,Buy,Add to core equity +1%,-1,14,BrokerB,MKT,99,None,None,Normal monitoring,80,-26,153,5,false,Tighten stops on momentum names
P4120,Opportunistic,401k,USD,2025-10-12,1666600,58787,1607813,1.17,73.6,11.1,9.8,5.5,GLD:25.1%;IEF:25.1%;BRK.B:25.1%;XLF:24.6%,US:64.7;EU:12.2;APAC:14.3;EM:4.6;Other:4.2,Value:+0.4;Growth:+0.6;Quality:+0.6;Size:+0.5;Momentum:-1.0;LowVol:+0.8,MaxPos8%,7,30,5.0,trailing 9%,227,30.5,Bull,15.8,3.64,2.9,102,21,50,60,false,Rebalance,Shift +1% to bonds from equity,12,-17,BrokerB,LMT,95,None,None,Normal monitoring,71,-16,175,3,false,Within IPS guidelines
P4121,Opportunistic,Trust,USD,2025-01-20,867337,51809,815528,1.0,72.0,14.0,8.6,5.5,MUB:22.7%;BND:25.7%;AAPL:25.8%;HYG:25.8%,US:68.6;EU:9.0;APAC:8.5;EM:12.5;Other:1.3,Value:+0.9;Growth:-0.9;Quality:+0.4;Size:-0.7;Momentum:+0.8;LowVol:-1.0,NoDerivatives,8,35,6.6,hard 12%,270,32.4,Bull,16.7,3.53,3.5,104,60,88,59,false,Sell,Trim extended winner -1%,-4,-6,BrokerD,MKT,91,None,None,Normal monitoring,99,19,117,3,false,Monitor dispersion and breadth
P4122,Hands-off,401k,USD,2025-08-21,272040,16018,256022,1.0,58.5,21.2,13.2,7.1,TLT:29.4%;MSFT:17.9%;IEF:23.2%;VNQ:29.4%,US:62.5;EU:8.5;APAC:16.4;EM:10.2;Other:2.4,Value:-0.5;Growth:+0.1;Quality:-0.5;Size:-0.9;Momentum:-0.2;LowVol:-0.8,ESGOnly;MaxPos7%;NoDerivatives,7,25,5.3,trailing 10%,159,13.9,Sideways,21.0,4.29,3.1,105,7,57,48,false,Rebalance,Shift +1% to bonds from equity,35,15,BrokerC,MKT,92,None,None,Normal monitoring,-12,-28,-38,4,false,Monitor dispersion and breadth
P4123,Systematic,IRA,USD,2025-08-04,1454593,88977,1365616,1.0,55.7,34.6,2.3,7.4,TSLA:25.2%;VTI:24.4%;BND:25.1%;HYG:25.2%,US:66.6;EU:9.1;APAC:11.4;EM:12.0;Other:0.9,Value:-0.9;Growth:+0.6;Quality:-0.2;Size:+0.3;Momentum:-0.7;LowVol:-0.1,MaxPos8%,7,35,5.5,trailing 9%,226,18.8,Sideways,21.8,4.06,3.1,132,32,71,61,false,Rebalance,Shift +1% to bonds from equity,-11,3,BrokerD,MKT,87,None,None,Normal monitoring,-27,8,63,4,false,Tax-aware sells next window
P4124,Hands-off,401k,USD,2024-11-07,742390,29960,712430,1.0,57.4,21.5,15.1,6.0,VNQ:23.3%;QQQ:23.3%;BRK.B:12.4%;GLD:22.6%;TSLA:18.4%,US:62.8;EU:14.7;APAC:11.2;EM:6.5;Other:4.9,Value:-0.5;Growth:+0.6;Quality:-0.6;Size:-0.9;Momentum:-0.9;LowVol:-0.9,ESGOnly;MaxPos8%,7,30,4.1,trailing 10%,162,17.0,Bull,12.7,4.81,3.2,112,34,70,30,false,Rebalance,Shift +1% to bonds from equity,6,-34,BrokerB,MKT,92,None,None,Normal monitoring,16,-11,73,5,false,Tighten stops on momentum names
P4125,Cautious,401k,USD,2025-10-31,857786,122040,735746,1.0,46.1,34.4,9.4,10.1,VTI:26.6%;AAPL:20.2%;TSLA:26.6%;BRK.B:26.6%,US:61.5;EU:14.0;APAC:11.1;EM:9.8;Other:3.6,Value:+0.1;Growth:-0.7;Quality:+0.1;Size:-0.3;Momentum:+0.8;LowVol:-0.6,ESGOnly;MaxPos7%;NoMargin,10,35,6.0,hard 10%,112,18.8,Volatile,31.9,4.46,2.9,159,-33,25,71,true,Reduce,"Cut high-beta by 2-3%, add cash",-8,-22,BrokerB,MKT,97,VAR>budget,TightenStops,Risk above budget threshold,58,-38,181,2,false,Within IPS guidelines
P4126,Opportunistic,Trust,USD,2024-08-28,307404,11778,295626,1.0,71.9,14.3,5.2,8.5,BND:33.3%;XLF:33.3%;MSFT:33.3%,US:76.6;EU:5.4;APAC:7.5;EM:8.8;Other:1.7,Value:+0.9;Growth:+0.6;Quality:+0.5;Size:+0.4;Momentum:-0.9;LowVol:+0.3,MaxPos7%,10,35,4.7,hard 12%,185,20.4,Sideways,14.6,3.61,2.1,115,39,73,60,false,Buy,Add to core equity +1%,16,-39,BrokerA,LMT,94,None,None,Normal monitoring,-17,-30,77,4,false,Tighten stops on momentum names
P4127,Systematic,IRA,USD,2025-06-27,971925,40664,931261,1.0,63.0,23.9,5.3,7.8,AAPL:33.3%;TLT:33.3%;QQQ:33.3%,US:69.3;EU:7.6;APAC:14.0;EM:5.9;Other:3.2,Value:+0.2;Growth:-0.3;Quality:-0.8;Size:-0.7;Momentum:+0.8;LowVol:-1.0,MaxPos5%,8,30,5.2,trailing 8%,174,24.3,Volatile,29.7,5.45,3.3,178,15,43,74,true,Reduce,"Cut high-beta by 2-3%, add cash",0,-28,BrokerD,MKT,86,Drift>tolerance,Reduce,Allocation drift beyond policy bands,30,-32,88,2,false,Increase defensive factor exposure
P4128,Opportunistic,IRA,USD,2024-07-29,907888,29344,878544,1.0,71.8,10.8,9.4,8.0,MUB:33.3%;BND:33.3%;VNQ:33.3%,US:78.4;EU:6.7;APAC:10.5;EM:4.0;Other:0.4,Value:-0.4;Growth:+0.4;Quality:-0.8;Size:-0.1;Momentum:-0.8;LowVol:-0.9,MaxPos6%,7,35,5.4,trailing 7%,225,30.3,Volatile,22.9,5.32,2.9,160,-44,43,72,true,Rebalance,Rebalance back to target bands,-2,-40,BrokerA,MKT,95,Drift>tolerance,Pause,Allocation drift beyond policy bands,88,12,212,3,false,Increase defensive factor exposure
P4129,Active,Taxable,USD,2024-07-07,881742,97108,784634,1.0,64.4,20.9,5.8,8.9,VOO:15.0%;BRK.B:18.1%;VNQ:17.4%;QQQ:13.9%;MUB:16.3%;MSFT:19.4%,US:67.8;EU:12.6;APAC:14.9;EM:4.0;Other:0.8,Value:-0.4;Growth:-0.1;Quality:-0.3;Size:+0.9;Momentum:-0.7;LowVol:+0.4,,8,25,5.9,trailing 8%,122,24.3,Volatile,20.3,4.52,2.3,158,69,75,57,true,Rebalance,Rebalance back to target bands,-6,11,BrokerC,LMT,93,RegimeShift,Hedge,Volatility spike and breadth deterioration,-56,-20,-90,2,false,Increase defensive factor exposure
P4130,Systematic,401k,USD,2025-10-25,1880427,187320,1693107,1.0,61.2,31.8,0.0,7.0,MUB:25.0%;TSLA:25.0%;GLD:25.0%;XLF:25.0%,US:70.3;EU:15.3;APAC:8.2;EM:5.0;Other:1.2,Value:+0.9;Growth:-0.4;Quality:+0.6;Size:+0.3;Momentum:-0.4;LowVol:-1.0,,7,30,4.2,trailing 8%,196,21.6,Volatile,31.5,5.35,3.0,123,-56,14,80,true,Hedge,Buy index puts 1% notional,-10,-18,BrokerD,MKT,98,Drift>tolerance,Pause,Allocation drift beyond policy bands,-38,-13,13,2,false,Tighten stops on momentum names
P4131,Active,Trust,USD,2024-08-17,2073817,229991,1843826,1.0,51.0,25.2,18.3,5.5,MUB:34.4%;XLF:31.1%;MSFT:34.4%,US:58.1;EU:12.8;APAC:16.6;EM:11.4;Other:1.0,Value:+0.2;Growth:+0.5;Quality:+0.9;Size:-0.5;Momentum:+0.4;LowVol:-0.5,MaxPos6%,10,25,4.8,trailing 9%,137,27.8,Bear,34.5,3.02,2.3,167,27,54,75,true,Reduce,"Cut high-beta by 2-3%, add cash",-5,-16,BrokerB,LMT,95,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-46,-11,43,2,false,Tax-aware sells next window
P4132,Hands-off,Taxable,USD,2024-07-12,445967,18040,427927,1.0,65.0,28.3,0.6,6.0,BND:33.3%;GLD:33.3%;VTI:33.3%,US:73.1;EU:8.9;APAC:11.7;EM:5.8;Other:0.5,Value:-0.2;Growth:+0.1;Quality:-0.3;Size:-0.4;Momentum:+0.6;LowVol:+0.9,MaxPos5%,8,35,5.7,trailing 8%,169,13.8,Volatile,30.6,4.29,4.3,146,39,81,71,true,Rebalance,Rebalance back to target bands,31,-14,BrokerB,MKT,99,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,62,16,131,5,false,Increase defensive factor exposure
P4133,Hands-off,Trust,USD,2024-12-06,886596,73280,813316,1.0,61.7,16.9,14.1,7.3,MUB:20.4%;VNQ:26.1%;TSLA:13.8%;AMZN:13.5%;AAPL:26.1%,US:55.6;EU:16.6;APAC:14.1;EM:10.6;Other:3.1,Value:+0.7;Growth:+0.2;Quality:-0.4;Size:-0.8;Momentum:+0.1;LowVol:-0.3,,7,30,5.4,hard 10%,152,14.9,Bull,16.7,3.59,3.2,118,18,47,47,false,Rebalance,Shift +1% to bonds from equity,-14,-4,BrokerD,MKT,98,None,None,Normal monitoring,58,16,146,4,false,Monitor dispersion and breadth
P4134,Opportunistic,Trust,USD,2025-08-01,1163493,97082,1066411,1.0,66.7,20.4,7.5,5.4,BRK.B:10.3%;AMZN:18.6%;MUB:21.9%;VNQ:21.9%;BND:7.6%;TLT:19.6%,US:70.0;EU:7.2;APAC:13.0;EM:7.9;Other:1.8,Value:+0.3;Growth:+0.2;Quality:+0.7;Size:+0.3;Momentum:-0.3;LowVol:-0.2,MaxPos7%;NoDerivatives,6,35,5.1,trailing 7%,179,24.3,Sideways,17.4,4.9,2.7,117,47,74,48,false,Buy,Add to core equity +1%,18,-39,BrokerB,MKT,100,None,None,Normal monitoring,14,9,148,5,false,Increase defensive factor exposure
P4135,Cautious,401k,USD,2024-12-07,595938,58584,537354,1.0,39.2,30.3,17.6,12.9,TSLA:21.5%;XLF:21.5%;HYG:20.0%;MUB:16.1%;VOO:11.8%;VTI:9.0%,US:68.8;EU:8.8;APAC:13.1;EM:5.5;Other:3.8,Value:-0.3;Growth:+0.3;Quality:+0.8;Size:+0.7;Momentum:+0.5;LowVol:-0.4,NoDerivatives;NoMargin,8,35,5.5,trailing 10%,112,17.9,Volatile,25.8,5.29,2.5,166,-35,31,49,false,Sell,Trim extended winner -1%,-9,0,BrokerB,MKT,100,None,None,Normal monitoring,67,-5,154,5,false,Tighten stops on momentum names
P4136,Cautious,Taxable,USD,2025-04-27,557577,60745,496832,1.0,36.5,43.9,2.4,17.3,VTI:26.9%;MUB:36.6%;BRK.B:36.6%,US:80.9;EU:7.0;APAC:5.5;EM:3.9;Other:2.7,Value:+0.4;Growth:+0.1;Quality:-0.2;Size:+0.5;Momentum:-0.9;LowVol:+0.1,NoMargin,5,35,3.7,trailing 8%,127,14.0,Bull,11.9,4.96,3.1,100,12,42,28,false,Hedge,Add TLT +1% as duration hedge,-1,-21,BrokerD,VWAP,87,None,None,Normal monitoring,80,-8,155,4,false,Increase defensive factor exposure
P4137,Systematic,Roth,USD,2025-07-21,1022754,57279,965475,1.0,61.6,20.5,11.8,6.1,VNQ:27.0%;XLF:27.0%;VTI:27.0%;AMZN:18.9%,US:58.9;EU:11.5;APAC:11.7;EM:12.8;Other:5.2,Value:-0.6;Growth:-0.1;Quality:-0.2;Size:-0.4;Momentum:-0.7;LowVol:+0.2,,6,25,5.4,trailing 8%,186,17.4,Bull,17.9,4.54,3.2,88,65,82,43,false,Buy,Add to core equity +1%,28,-5,BrokerB,LMT,89,None,None,Normal monitoring,79,-36,80,4,false,Within IPS guidelines
P4138,Systematic,401k,USD,2024-07-14,618759,26181,592578,1.0,55.9,33.8,2.1,8.2,QQQ:20.1%;TLT:20.5%;AAPL:14.8%;XLF:20.5%;VTI:16.7%;VOO:7.3%,US:60.7;EU:15.5;APAC:12.0;EM:8.8;Other:3.0,Value:-0.3;Growth:-0.6;Quality:+0.2;Size:-0.9;Momentum:+0.4;LowVol:-0.6,MaxPos6%,10,35,5.4,trailing 8%,219,19.1,Bear,24.9,3.93,1.1,211,-98,9,71,true,Reduce,"Cut high-beta by 2-3%, add cash",29,1,BrokerD,MKT,90,VAR>budget,Reduce,Risk above budget threshold,-57,-39,-73,5,false,Tax-aware sells next window
P4139,Cautious,Roth,USD,2025-12-16,825946,110170,715776,1.0,41.0,37.4,7.9,13.7,QQQ:33.3%;AMZN:33.3%;XLF:33.3%,US:67.6;EU:11.2;APAC:10.1;EM:9.8;Other:1.3,Value:-0.0;Growth:+0.1;Quality:-0.5;Size:+0.4;Momentum:+0.4;LowVol:0.0,ESGOnly;NoMargin,6,35,3.9,trailing 10%,104,17.5,Volatile,24.3,3.55,3.9,128,38,55,56,false,Rebalance,Shift +1% to bonds from equity,35,-10,BrokerB,MKT,95,None,None,Normal monitoring,53,-43,43,3,false,Tighten stops on momentum names
P4140,Systematic,Taxable,USD,2025-05-26,610712,48542,562170,1.0,55.2,29.6,6.1,9.2,QQQ:10.6%;GLD:21.0%;AMZN:15.7%;BRK.B:21.0%;MUB:16.5%;VOO:15.2%,US:66.4;EU:12.2;APAC:12.4;EM:5.6;Other:3.3,Value:+0.3;Growth:+0.4;Quality:+0.3;Size:+1.0;Momentum:+0.3;LowVol:+0.6,,7,35,5.7,hard 12%,196,24.3,Bull,16.5,4.25,2.1,94,40,69,36,false,Buy,Add to core equity +1%,-11,-23,BrokerC,LMT,89,None,None,Normal monitoring,68,11,208,4,false,Tighten stops on momentum names
P4141,Active,Trust,USD,2025-02-25,1219375,107561,1111814,1.0,51.0,30.3,12.3,6.5,HYG:24.4%;TSLA:11.0%;AAPL:24.4%;IEF:15.7%;VTI:24.4%,US:61.7;EU:20.5;APAC:13.0;EM:4.7;Other:0.1,Value:-0.8;Growth:-0.7;Quality:-0.0;Size:+0.3;Momentum:+0.3;LowVol:+0.1,,7,35,5.0,hard 12%,140,16.5,Sideways,19.2,4.46,2.7,111,57,73,55,false,Rebalance,Shift +1% to bonds from equity,10,-26,BrokerD,LMT,94,None,None,Normal monitoring,-39,-23,-54,4,false,Tax-aware sells next window
P4142,Cautious,IRA,USD,2024-10-08,211384,30908,180476,1.0,41.8,39.3,1.3,17.7,TSLA:33.3%;VTI:33.3%;BRK.B:33.3%,US:68.1;EU:14.7;APAC:7.7;EM:7.8;Other:1.6,Value:+0.2;Growth:+1.0;Quality:-0.3;Size:+0.2;Momentum:-0.2;LowVol:-0.8,ESGOnly;NoMargin,5,30,3.9,trailing 8%,165,19.9,Bull,14.6,3.52,2.9,87,69,90,28,false,NoAction,Within bands; monitor,12,-20,BrokerD,VWAP,100,None,None,Normal monitoring,100,-49,69,4,false,Tax-aware sells next window
P4143,Cautious,Taxable,USD,2024-12-31,343549,38858,304691,1.0,49.5,39.8,0.0,10.7,IEF:16.8%;MSFT:15.4%;XLF:18.6%;TLT:19.7%;AMZN:19.4%;VOO:10.1%,US:66.5;EU:10.0;APAC:12.1;EM:9.1;Other:2.2,Value:+1.0;Growth:-0.9;Quality:-0.5;Size:+0.9;Momentum:-0.5;LowVol:+0.7,MaxPos6%;NoDerivatives;NoMargin,5,35,4.6,hard 10%,136,14.4,Bull,15.8,3.85,3.2,74,94,94,46,false,Rebalance,Shift +1% to bonds from equity,3,-20,BrokerD,LMT,93,None,None,Normal monitoring,113,11,229,5,false,Tighten stops on momentum names
P4144,Cautious,401k,USD,2025-04-09,295572,28894,266678,1.0,35.8,32.7,13.8,17.7,VOO:33.3%;AAPL:33.3%;MUB:33.3%,US:61.2;EU:13.5;APAC:12.8;EM:10.3;Other:2.2,Value:-0.4;Growth:+0.1;Quality:+0.4;Size:0.0;Momentum:-0.1;LowVol:-0.3,NoMargin,5,25,5.0,hard 10%,131,20.0,Bull,15.5,3.7,2.1,70,20,73,36,false,Buy,Add to core equity +1%,-11,15,BrokerB,MKT,89,None,None,Normal monitoring,66,-41,36,4,false,Within IPS guidelines
P4145,Active,IRA,USD,2024-08-19,1889372,132226,1757146,1.14,63.7,20.9,9.9,5.6,VOO:33.3%;MUB:33.3%;VNQ:33.3%,US:66.1;EU:13.3;APAC:16.2;EM:3.9;Other:0.5,Value:+0.7;Growth:-0.5;Quality:+0.5;Size:-0.3;Momentum:+0.8;LowVol:-0.2,NoDerivatives,5,25,5.5,hard 12%,163,26.9,Volatile,30.2,4.19,3.6,146,31,63,70,false,Rebalance,Shift +1% to bonds from equity,20,13,BrokerD,VWAP,87,None,None,Normal monitoring,76,-47,144,4,false,Monitor dispersion and breadth
P4146,Cautious,Roth,USD,2025-10-10,852462,72097,780365,1.0,39.7,31.6,16.0,12.7,GLD:33.7%;VNQ:32.6%;TLT:33.7%,US:62.3;EU:17.2;APAC:12.4;EM:3.9;Other:4.1,Value:-0.4;Growth:+0.5;Quality:+0.4;Size:-0.6;Momentum:-0.0;LowVol:+0.3,ESGOnly;MaxPos7%;NoMargin,7,30,5.5,trailing 8%,134,12.1,Volatile,24.4,4.54,3.0,119,-35,18,54,false,NoAction,Within bands; monitor,31,7,BrokerD,MKT,0,None,None,Normal monitoring,-6,14,46,3,false,Increase defensive factor exposure
P4147,Cautious,Trust,USD,2025-05-16,721723,96578,625145,1.0,49.2,37.2,0.0,13.7,VTI:17.5%;QQQ:23.9%;VOO:19.7%;BND:15.0%;AMZN:23.9%,US:72.3;EU:8.5;APAC:8.9;EM:5.2;Other:5.0,Value:-0.4;Growth:+0.4;Quality:-0.1;Size:-0.3;Momentum:+0.6;LowVol:+0.7,NoDerivatives;NoMargin,5,30,5.6,trailing 8%,102,19.7,Sideways,19.6,4.62,2.2,106,41,85,53,false,Rebalance,Shift +1% to bonds from equity,8,-18,BrokerA,VWAP,89,None,None,Normal monitoring,-30,-33,-62,5,false,Tax-aware sells next window
P4148,Cautious,Taxable,USD,2025-03-17,359267,54683,304584,1.0,45.6,31.0,9.0,14.3,HYG:18.0%;XLF:18.2%;VNQ:22.2%;TSLA:19.5%;MSFT:22.2%,US:75.9;EU:5.7;APAC:6.9;EM:8.7;Other:2.7,Value:+1.0;Growth:-0.6;Quality:-1.0;Size:-0.1;Momentum:+0.8;LowVol:-0.8,NoMargin,10,30,3.0,hard 10%,137,16.8,Bull,14.4,3.68,2.2,105,109,100,44,true,Hedge,Buy index puts 1% notional,11,6,BrokerA,MKT,97,Drift>tolerance,Reduce,Allocation drift beyond policy bands,119,-31,79,5,false,Monitor dispersion and breadth
P4149,Systematic,401k,USD,2025-03-11,1203495,56757,1146738,1.0,63.7,30.1,0.6,5.7,QQQ:29.2%;VTI:29.2%;BRK.B:12.4%;HYG:29.2%,US:63.0;EU:17.3;APAC:6.3;EM:9.8;Other:3.6,Value:-0.9;Growth:+0.7;Quality:+0.7;Size:+0.4;Momentum:+0.9;LowVol:-0.4,MaxPos7%;NoDerivatives,8,30,6.0,hard 12%,152,25.2,Volatile,24.9,5.07,2.5,143,-57,13,62,false,Hedge,Add TLT +1% as duration hedge,25,6,BrokerA,MKT,88,None,None,Normal monitoring,51,-18,181,5,false,Within IPS guidelines
P4150,Active,Roth,USD,2025-10-09,1939567,131875,1807692,1.1,57.3,22.0,15.0,5.6,AAPL:30.2%;MUB:30.2%;BRK.B:19.2%;HYG:20.4%,US:60.7;EU:17.6;APAC:13.9;EM:4.4;Other:3.4,Value:-1.0;Growth:+0.7;Quality:-0.8;Size:-0.4;Momentum:-0.2;LowVol:0.0,MaxPos6%,10,35,5.5,trailing 9%,217,24.7,Sideways,17.7,4.15,2.7,140,-14,41,48,false,Rebalance,Shift +1% to bonds from equity,14,-32,BrokerD,MKT,98,None,None,Normal monitoring,-8,-52,53,5,false,Within IPS guidelines
P4151,Active,Taxable,USD,2025-07-28,1905989,175407,1730582,1.0,54.6,29.4,9.0,7.1,VNQ:23.7%;IEF:25.4%;TLT:25.4%;QQQ:25.4%,US:66.2;EU:16.8;APAC:6.3;EM:7.0;Other:3.7,Value:+0.2;Growth:+0.1;Quality:+0.3;Size:-0.5;Momentum:+0.9;LowVol:+0.5,NoDerivatives,6,25,4.2,trailing 8%,123,16.4,Bear,32.6,3.32,2.2,138,-33,32,79,true,Hedge,Buy index puts 1% notional,16,-38,BrokerD,LMT,95,VAR>budget,Hedge,Risk above budget threshold,-24,11,-13,4,false,Tax-aware sells next window
P4152,Opportunistic,Trust,USD,2025-03-14,738582,45595,692987,1.0,66.8,15.0,9.8,8.5,IEF:22.0%;MUB:21.7%;VTI:7.0%;HYG:11.0%;AMZN:16.2%;TLT:22.0%,US:55.1;EU:12.9;APAC:15.1;EM:12.2;Other:4.7,Value:-0.9;Growth:+0.2;Quality:0.0;Size:+0.2;Momentum:0.0;LowVol:-0.6,,6,30,5.6,trailing 9%,230,22.8,Volatile,26.0,4.37,4.0,156,37,69,75,true,Rebalance,Rebalance back to target bands,0,-1,BrokerD,LMT,94,Drift>tolerance,Hedge,Allocation drift beyond policy bands,33,-19,64,5,false,Within IPS guidelines
P4153,Cautious,Roth,USD,2025-08-30,206756,20351,186405,1.0,49.9,34.4,0.0,15.7,TSLA:33.3%;VNQ:33.3%;QQQ:33.3%,US:71.4;EU:11.1;APAC:9.5;EM:4.4;Other:3.6,Value:-0.9;Growth:+0.7;Quality:+0.9;Size:+0.1;Momentum:-0.3;LowVol:-0.2,ESGOnly;NoDerivatives;NoMargin,5,30,4.9,trailing 8%,145,19.7,Bear,30.2,4.27,2.2,150,-107,5,80,true,Reduce,"Cut high-beta by 2-3%, add cash",25,-32,BrokerB,LMT,93,Drift>tolerance,Hedge,Allocation drift beyond policy bands,88,-45,141,4,false,Tax-aware sells next window
P4154,Cautious,401k,USD,2025-07-17,397898,43957,353941,1.0,45.2,39.0,0.0,15.8,GLD:14.1%;VTI:22.2%;QQQ:22.2%;BRK.B:22.2%;BND:11.0%;HYG:8.2%,US:66.9;EU:13.2;APAC:6.9;EM:9.6;Other:3.4,Value:+0.1;Growth:-0.0;Quality:+0.9;Size:-0.5;Momentum:+0.8;LowVol:+1.0,ESGOnly;NoDerivatives;NoMargin,7,30,5.3,trailing 10%,161,19.1,Bull,17.4,4.49,3.1,89,98,100,41,false,Rebalance,Shift +1% to bonds from equity,4,-18,BrokerB,LMT,88,None,None,Normal monitoring,18,-46,78,3,false,Monitor dispersion and breadth
P4155,Active,Trust,USD,2024-11-27,943690,61794,881896,1.09,59.3,19.9,14.4,6.4,QQQ:21.6%;MSFT:26.1%;XLF:26.1%;AMZN:26.1%,US:67.7;EU:12.9;APAC:7.0;EM:11.6;Other:0.9,Value:+0.7;Growth:0.0;Quality:+0.8;Size:+0.5;Momentum:+0.7;LowVol:+0.4,,8,35,5.0,trailing 9%,175,22.9,Sideways,14.9,4.89,3.2,139,38,77,45,false,Rebalance,Shift +1% to bonds from equity,2,-40,BrokerA,LMT,90,None,None,Normal monitoring,30,13,150,3,false,Within IPS guidelines
P4156,Active,Trust,USD,2025-09-17,2491130,266440,2224690,1.0,61.7,27.5,1.0,9.7,HYG:26.0%;XLF:12.7%;IEF:9.3%;VOO:26.0%;AAPL:26.0%,US:78.7;EU:6.0;APAC:6.4;EM:4.8;Other:4.2,Value:+0.2;Growth:+0.3;Quality:+0.8;Size:+0.7;Momentum:+0.2;LowVol:-0.5,,5,25,5.9,hard 12%,130,17.2,Bull,13.8,4.43,3.1,74,57,70,45,false,Rebalance,Shift +1% to bonds from equity,14,4,BrokerA,VWAP,90,None,None,Normal monitoring,-37,-20,-47,5,false,Tax-aware sells next window
P4157,Hands-off,Taxable,USD,2025-10-30,640669,49635,591034,1.0,66.0,26.5,0.0,7.5,AAPL:24.9%;GLD:24.9%;TLT:20.5%;VTI:11.0%;BND:18.6%,US:68.6;EU:13.3;APAC:12.2;EM:4.8;Other:1.2,Value:-0.5;Growth:-0.0;Quality:-0.1;Size:+0.7;Momentum:-0.0;LowVol:-0.5,NoDerivatives,8,30,6.0,hard 10%,165,13.2,Bull,16.0,4.51,3.0,97,104,100,52,true,Reduce,"Cut high-beta by 2-3%, add cash",-14,-10,BrokerB,MKT,85,Drift>tolerance,Reduce,Allocation drift beyond policy bands,34,15,59,4,false,Tighten stops on momentum names
P4158,Cautious,IRA,USD,2025-01-25,260213,36888,223325,1.0,46.7,31.5,10.7,11.1,MUB:26.2%;AMZN:26.2%;XLF:21.5%;BND:26.2%,US:66.9;EU:17.3;APAC:5.1;EM:7.1;Other:3.6,Value:+0.3;Growth:-0.7;Quality:+0.6;Size:-0.5;Momentum:-0.1;LowVol:+0.9,ESGOnly;NoDerivatives;NoMargin,6,25,4.4,trailing 8%,154,16.1,Volatile,28.6,3.79,4.2,148,-14,51,70,false,Sell,Trim extended winner -1%,-2,0,BrokerC,LMT,91,None,None,Normal monitoring,37,14,43,4,false,Within IPS guidelines
P4159,Systematic,Roth,USD,2025-02-27,519436,32662,486774,1.0,69.3,24.0,1.2,5.5,MSFT:10.7%;QQQ:18.5%;VOO:16.7%;GLD:20.9%;MUB:12.3%;VNQ:20.9%,US:58.5;EU:17.2;APAC:14.2;EM:9.5;Other:0.6,Value:-0.1;Growth:-0.5;Quality:+0.2;Size:+0.3;Momentum:+0.6;LowVol:-0.1,MaxPos8%,7,35,4.9,trailing 9%,128,23.8,Bear,25.2,4.32,1.7,212,-104,5,70,false,Rebalance,Shift +1% to bonds from equity,-3,-5,BrokerB,LMT,91,None,None,Normal monitoring,-23,-26,10,3,false,Tax-aware sells next window
P4160,Hands-off,Trust,USD,2024-12-14,208264,14100,194164,1.0,63.6,19.3,8.3,8.8,VNQ:16.5%;MSFT:24.0%;MUB:24.0%;BND:19.3%;BRK.B:16.2%,US:68.1;EU:13.0;APAC:10.5;EM:8.3;Other:0.0,Value:-0.4;Growth:+0.9;Quality:+0.4;Size:-0.2;Momentum:-0.6;LowVol:-0.1,NoDerivatives,8,25,3.6,hard 10%,139,15.7,Bull,13.2,3.56,2.4,88,8,56,43,false,Sell,Trim extended winner -1%,-11,11,BrokerB,MKT,94,None,None,Normal monitoring,-60,-52,69,3,false,Within IPS guidelines
P4161,Opportunistic,401k,USD,2025-02-25,697731,52290,645441,1.0,67.6,19.8,7.1,5.5,XLF:22.7%;BRK.B:17.5%;AAPL:17.6%;VTI:22.7%;TLT:19.5%,US:58.3;EU:16.2;APAC:13.6;EM:10.8;Other:0.9,Value:-1.0;Growth:-0.0;Quality:-0.4;Size:-0.9;Momentum:+0.4;LowVol:+0.6,MaxPos7%,10,25,5.0,hard 12%,182,21.1,Sideways,16.9,3.58,2.0,101,-4,38,59,false,Rebalance,Shift +1% to bonds from equity,-11,-4,BrokerC,MKT,88,None,None,Normal monitoring,-58,8,61,3,false,Tighten stops on momentum names
P4162,Active,Taxable,USD,2025-06-21,2444753,231471,2213282,1.1,58.6,18.6,16.9,5.9,MUB:9.5%;TLT:21.9%;VOO:13.6%;AMZN:19.6%;TSLA:21.9%;QQQ:13.5%,US:68.6;EU:16.5;APAC:7.5;EM:4.6;Other:2.8,Value:+0.3;Growth:-0.5;Quality:-0.6;Size:-0.5;Momentum:-1.0;LowVol:+0.4,,7,30,4.6,trailing 8%,184,21.0,Volatile,30.6,4.84,3.0,118,29,64,80,true,Rebalance,Rebalance back to target bands,-11,13,BrokerB,MKT,91,VAR>budget,Hedge,Risk above budget threshold,55,-16,132,3,false,Tax-aware sells next window
P4163,Cautious,Roth,USD,2025-06-11,295120,33510,261610,1.0,36.3,42.9,9.6,11.2,TSLA:11.5%;BND:20.8%;VOO:20.8%;AAPL:15.5%;MUB:18.7%;VNQ:12.6%,US:60.1;EU:15.1;APAC:13.6;EM:9.8;Other:1.4,Value:-0.7;Growth:+0.6;Quality:+0.5;Size:+0.6;Momentum:-0.5;LowVol:-0.5,NoMargin,6,25,5.5,trailing 8%,129,18.0,Bull,14.9,4.04,3.1,94,72,83,26,false,Rebalance,Shift +1% to bonds from equity,17,-15,BrokerB,VWAP,87,None,None,Normal monitoring,120,8,169,4,false,Tax-aware sells next window
P4164,Hands-off,IRA,USD,2025-12-18,629464,31112,598352,1.0,64.1,19.5,7.4,9.0,HYG:33.3%;XLF:33.3%;MSFT:33.3%,US:62.9;EU:21.0;APAC:7.4;EM:8.4;Other:0.4,Value:+0.7;Growth:-1.0;Quality:+1.0;Size:+0.7;Momentum:-0.8;LowVol:+0.6,ESGOnly;NoDerivatives,6,30,3.8,trailing 8%,162,19.9,Volatile,23.3,4.93,2.2,158,46,67,70,false,Sell,Trim extended winner -1%,-5,-20,BrokerC,MKT,96,None,None,Normal monitoring,65,-13,54,5,false,Increase defensive factor exposure
P4165,Hands-off,401k,USD,2025-01-30,649734,32903,616831,1.0,65.6,26.9,0.0,7.5,VTI:35.7%;GLD:28.6%;MUB:35.7%,US:58.0;EU:15.8;APAC:12.9;EM:9.5;Other:3.8,Value:-0.6;Growth:-0.2;Quality:-0.2;Size:+0.8;Momentum:-0.0;LowVol:-0.8,ESGOnly,6,25,3.2,hard 10%,91,17.5,Bear,24.2,3.29,1.8,135,-115,5,62,false,Buy,Add to core equity +1%,21,-27,BrokerA,MKT,89,None,None,Normal monitoring,90,-27,151,5,false,Tighten stops on momentum names
P4166,Hands-off,401k,USD,2025-02-05,310485,12495,297990,1.0,57.6,21.6,12.4,8.4,VOO:28.5%;AMZN:28.5%;MUB:14.6%;MSFT:28.5%,US:66.4;EU:9.5;APAC:13.0;EM:10.7;Other:0.4,Value:-0.5;Growth:+0.1;Quality:+1.0;Size:-0.3;Momentum:-0.4;LowVol:+0.4,MaxPos8%;NoDerivatives,10,35,5.4,trailing 8%,164,16.3,Bull,17.2,4.43,3.5,80,41,60,52,false,Rebalance,Shift +1% to bonds from equity,6,-4,BrokerA,MKT,87,None,None,Normal monitoring,-45,3,-9,5,false,Increase defensive factor exposure
P4167,Hands-off,401k,USD,2024-08-08,475967,45675,430292,1.0,62.6,28.5,0.0,8.9,AAPL:22.7%;BND:22.7%;XLF:22.7%;VNQ:9.1%;MUB:22.7%,US:74.3;EU:7.3;APAC:9.5;EM:6.0;Other:2.9,Value:+0.9;Growth:-0.3;Quality:-0.5;Size:-1.0;Momentum:-0.5;LowVol:+0.9,MaxPos8%,5,35,5.2,hard 10%,169,17.9,Volatile,28.5,4.12,2.1,170,-15,55,84,true,Hedge,Buy index puts 1% notional,20,-35,BrokerA,MKT,93,VAR>budget,Reduce,Risk above budget threshold,83,14,163,3,false,Within IPS guidelines
P4168,Hands-off,IRA,USD,2024-09-27,235581,22856,212725,1.0,68.3,16.7,8.7,6.3,VNQ:21.5%;HYG:9.6%;AMZN:21.5%;TSLA:6.6%;XLF:21.5%;MSFT:19.4%,US:66.6;EU:9.9;APAC:12.9;EM:6.0;Other:4.6,Value:-0.6;Growth:+0.8;Quality:+0.9;Size:+0.9;Momentum:+0.7;LowVol:-0.0,ESGOnly,10,35,5.7,hard 10%,160,16.9,Bear,27.0,3.75,1.8,148,-14,39,68,false,Buy,Add to core equity +1%,23,-12,BrokerD,MKT,96,None,None,Normal monitoring,107,5,133,5,false,Within IPS guidelines
P4169,Systematic,Taxable,USD,2025-05-23,406239,28102,378137,1.0,59.7,28.8,4.1,7.5,IEF:33.3%;AAPL:33.3%;VNQ:33.3%,US:69.1;EU:13.4;APAC:8.5;EM:7.4;Other:1.6,Value:+0.8;Growth:+0.3;Quality:-0.3;Size:-0.1;Momentum:-0.2;LowVol:-0.4,,7,25,4.6,trailing 9%,179,16.7,Bull,11.4,4.19,3.2,104,30,57,47,false,Buy,Add to core equity +1%,35,-18,BrokerB,VWAP,94,None,None,Normal monitoring,-34,-49,-5,3,false,Increase defensive factor exposure
P4170,Opportunistic,IRA,USD,2024-11-27,651069,46484,604585,1.0,67.7,11.0,14.8,6.5,BND:22.9%;TSLA:22.9%;TLT:17.4%;HYG:13.8%;VTI:22.9%,US:74.6;EU:5.8;APAC:12.7;EM:3.9;Other:3.0,Value:-0.4;Growth:+0.7;Quality:-0.9;Size:+0.9;Momentum:-0.9;LowVol:-0.7,,10,30,4.6,trailing 9%,237,20.5,Bear,27.9,3.95,1.9,198,14,63,83,true,Hedge,Buy index puts 1% notional,17,-25,BrokerB,MKT,86,RegimeShift,Reduce,Volatility spike and breadth deterioration,-59,18,-6,2,false,Within IPS guidelines
P4171,Hands-off,Trust,USD,2025-09-12,792370,47170,745200,1.0,67.8,17.5,6.7,8.0,IEF:33.3%;QQQ:33.3%;MUB:33.3%,US:64.7;EU:15.9;APAC:8.2;EM:8.3;Other:2.9,Value:+0.3;Growth:-0.5;Quality:+0.3;Size:-0.1;Momentum:-0.2;LowVol:+0.8,,5,25,3.2,trailing 8%,149,17.0,Sideways,19.1,3.57,2.4,126,28,63,63,false,Sell,Trim extended winner -1%,20,-25,BrokerC,LMT,100,None,None,Normal monitoring,-29,-19,93,3,false,Within IPS guidelines
P4172,Hands-off,401k,USD,2024-12-17,567108,49977,517131,1.0,59.0,18.9,15.0,7.1,GLD:21.5%;BND:21.5%;HYG:20.4%;MSFT:8.9%;VTI:14.9%;VOO:12.8%,US:56.8;EU:17.9;APAC:12.1;EM:10.5;Other:2.8,Value:-0.7;Growth:-0.4;Quality:-0.0;Size:-0.4;Momentum:+0.6;LowVol:-0.8,ESGOnly,8,30,3.6,trailing 8%,164,19.9,Bull,15.4,3.54,2.4,76,23,73,49,false,Rebalance,Shift +1% to bonds from equity,5,-21,BrokerA,LMT,85,None,None,Normal monitoring,-14,-18,77,3,false,Tighten stops on momentum names
P4173,Hands-off,Roth,USD,2024-11-28,355537,21385,334152,1.0,63.5,17.9,12.9,5.7,TSLA:25.2%;HYG:24.3%;BND:25.2%;IEF:25.2%,US:60.0;EU:7.9;APAC:16.6;EM:10.4;Other:5.0,Value:+0.2;Growth:+0.3;Quality:-0.1;Size:0.0;Momentum:-0.2;LowVol:+0.1,MaxPos8%,7,35,5.8,trailing 8%,91,19.4,Bull,12.7,3.94,3.1,117,1,39,41,true,Hedge,Buy index puts 1% notional,30,-39,BrokerA,LMT,90,Drift>tolerance,Hedge,Allocation drift beyond policy bands,22,-41,88,5,true,Within IPS guidelines
P4174,Active,Taxable,USD,2024-08-10,2165801,164818,2000983,1.17,57.0,20.4,14.3,8.4,AAPL:24.2%;BRK.B:24.2%;AMZN:24.2%;HYG:18.0%;VNQ:9.5%,US:73.6;EU:15.1;APAC:5.8;EM:3.3;Other:2.3,Value:+0.3;Growth:-0.5;Quality:+0.3;Size:-0.2;Momentum:+0.3;LowVol:-0.7,,5,30,5.5,trailing 8%,129,26.5,Bear,30.6,3.33,1.2,159,24,69,70,false,Rebalance,Shift +1% to bonds from equity,19,-14,BrokerB,MKT,100,None,None,Normal monitoring,36,-21,136,4,false,Tax-aware sells next window
P4175,Active,Roth,USD,2024-12-04,1208725,114518,1094207,1.0,62.5,25.5,4.5,7.5,VNQ:25.0%;BRK.B:25.0%;TSLA:25.0%;GLD:25.0%,US:65.2;EU:16.0;APAC:8.4;EM:7.5;Other:2.9,Value:+0.7;Growth:+0.1;Quality:-0.9;Size:+0.1;Momentum:+0.6;LowVol:-0.6,MaxPos7%,7,30,5.2,hard 12%,158,22.9,Volatile,26.9,5.41,3.7,152,-59,17,68,false,Sell,Trim extended winner -1%,-5,-35,BrokerD,MKT,87,None,None,Normal monitoring,78,-41,158,5,false,Within IPS guidelines
P4176,Systematic,Roth,USD,2025-06-13,840652,72588,768064,1.0,63.8,26.8,3.6,5.8,VNQ:19.9%;TSLA:23.0%;GLD:23.0%;AMZN:13.2%;BRK.B:20.8%,US:75.7;EU:6.9;APAC:6.8;EM:6.0;Other:4.7,Value:-0.4;Growth:+0.2;Quality:-0.7;Size:+1.0;Momentum:-1.0;LowVol:-0.8,,7,35,4.9,hard 12%,175,24.9,Bull,13.0,4.8,2.3,90,27,70,43,false,Buy,Add to core equity +1%,-7,-22,BrokerC,LMT,85,None,None,Normal monitoring,74,-52,57,3,false,Tax-aware sells next window
P4177,Systematic,Taxable,USD,2025-07-15,1839406,112801,1726605,1.0,61.9,26.9,5.8,5.5,VTI:16.2%;MUB:22.9%;TLT:21.9%;IEF:16.2%;TSLA:22.9%,US:66.9;EU:11.6;APAC:12.4;EM:6.3;Other:2.7,Value:+0.4;Growth:-0.3;Quality:-0.7;Size:-0.3;Momentum:0.0;LowVol:+0.2,,8,35,4.6,hard 12%,160,17.0,Bull,13.8,4.28,3.5,105,117,100,44,false,Rebalance,Shift +1% to bonds from equity,34,-31,BrokerD,LMT,87,None,None,Normal monitoring,-17,-14,-12,5,false,Increase defensive factor exposure
P4178,Active,401k,USD,2025-11-20,1673879,189570,1484309,1.07,51.8,22.8,16.7,8.7,GLD:23.3%;MSFT:15.4%;XLF:23.3%;BND:23.3%;AAPL:14.7%,US:66.1;EU:10.9;APAC:9.0;EM:10.6;Other:3.5,Value:+0.4;Growth:-0.8;Quality:-0.7;Size:+0.6;Momentum:+0.1;LowVol:-0.5,,10,35,4.5,trailing 8%,211,24.5,Volatile,25.1,4.99,4.0,140,73,78,66,false,Rebalance,Shift +1% to bonds from equity,34,5,BrokerD,LMT,91,None,None,Normal monitoring,34,17,131,4,false,Tax-aware sells next window
P4179,Opportunistic,Taxable,USD,2024-09-23,1195739,61949,1133790,1.0,70.5,14.1,10.1,5.2,QQQ:33.3%;VOO:33.3%;TLT:33.3%,US:77.5;EU:7.5;APAC:8.0;EM:4.4;Other:2.6,Value:-0.9;Growth:+0.6;Quality:-0.8;Size:-0.1;Momentum:+0.1;LowVol:-0.2,,8,25,6.0,trailing 7%,221,29.5,Bull,14.2,3.85,2.7,92,84,86,44,false,NoAction,Within bands; monitor,17,2,BrokerC,MKT,0,None,None,Normal monitoring,-55,1,-35,5,false,Tax-aware sells next window
P4180,Hands-off,401k,USD,2025-03-04,433975,29731,404244,1.0,68.9,23.2,0.4,7.5,TLT:13.8%;VOO:16.2%;VNQ:23.3%;GLD:23.3%;XLF:23.3%,US:69.2;EU:12.7;APAC:10.9;EM:4.2;Other:3.0,Value:+0.6;Growth:-0.2;Quality:+0.1;Size:+0.2;Momentum:-0.2;LowVol:-0.9,ESGOnly;MaxPos5%,6,35,3.7,trailing 10%,170,18.3,Bear,28.0,4.27,1.2,135,-88,5,85,true,Hedge,Buy index puts 1% notional,32,-25,BrokerA,MKT,88,RegimeShift,Reduce,Volatility spike and breadth deterioration,-60,-9,77,5,false,Monitor dispersion and breadth
P4181,Active,401k,USD,2024-08-13,1074783,124142,950641,1.0,56.9,18.2,16.3,8.5,GLD:29.0%;TSLA:29.0%;MUB:29.0%;HYG:13.0%,US:64.5;EU:10.6;APAC:13.0;EM:7.0;Other:4.9,Value:+0.6;Growth:-0.0;Quality:-0.5;Size:-0.7;Momentum:-0.0;LowVol:-0.1,NoDerivatives,8,25,4.2,hard 12%,203,22.1,Bull,17.8,3.52,2.1,70,120,100,56,false,NoAction,Within bands; monitor,30,-9,BrokerB,VWAP,95,None,None,Normal monitoring,81,-26,121,4,false,Within IPS guidelines
P4182,Systematic,IRA,USD,2025-02-07,701820,40071,661749,1.0,60.5,30.6,0.0,8.9,MUB:27.8%;QQQ:27.8%;VNQ:16.7%;AMZN:27.8%,US:61.0;EU:16.6;APAC:13.5;EM:6.3;Other:2.5,Value:+0.1;Growth:-0.7;Quality:+0.8;Size:+0.9;Momentum:+0.9;LowVol:-0.7,,5,30,5.0,trailing 9%,145,27.3,Volatile,24.9,4.88,3.6,156,-58,13,66,true,Hedge,Buy index puts 1% notional,20,-15,BrokerA,LMT,97,VAR>budget,Reduce,Risk above budget threshold,88,-41,108,2,false,Tax-aware sells next window
P4183,Active,401k,USD,2025-04-30,1622359,136641,1485718,1.0,62.2,22.2,7.5,8.0,MSFT:27.7%;BND:16.9%;TLT:27.7%;AMZN:27.7%,US:76.7;EU:5.5;APAC:7.7;EM:5.4;Other:4.8,Value:-0.5;Growth:+0.7;Quality:+0.9;Size:-0.2;Momentum:0.0;LowVol:-0.8,,8,30,4.1,trailing 8%,228,25.7,Bear,22.2,3.3,3.0,205,-61,31,62,false,Sell,Trim extended winner -1%,24,-22,BrokerC,LMT,93,None,None,Normal monitoring,97,-37,199,4,false,Increase defensive factor exposure
P4184,Systematic,401k,USD,2025-03-25,1672363,115177,1557186,1.0,57.5,32.7,1.7,8.1,AMZN:33.9%;VTI:32.1%;HYG:33.9%,US:72.5;EU:12.5;APAC:8.6;EM:3.7;Other:2.7,Value:-0.5;Growth:-0.2;Quality:+0.2;Size:0.0;Momentum:-0.7;LowVol:+0.8,MaxPos6%,10,25,5.1,trailing 9%,209,22.7,Volatile,23.4,4.19,2.1,111,70,98,59,false,Rebalance,Shift +1% to bonds from equity,10,-40,BrokerA,LMT,90,None,None,Normal monitoring,-57,-57,66,3,false,Tighten stops on momentum names
P4185,Cautious,Taxable,USD,2024-10-26,656309,94709,561600,1.0,44.2,37.1,8.4,10.3,HYG:12.6%;VTI:14.3%;MSFT:21.3%;VOO:21.3%;QQQ:12.3%;BRK.B:18.3%,US:63.8;EU:13.3;APAC:10.3;EM:7.7;Other:4.9,Value:+0.7;Growth:-0.5;Quality:-0.3;Size:+0.8;Momentum:-0.8;LowVol:-0.2,ESGOnly;MaxPos5%;NoDerivatives;NoMargin,6,35,3.3,hard 10%,150,18.6,Sideways,17.3,3.51,3.2,103,31,50,32,false,Rebalance,Shift +1% to bonds from equity,-11,1,BrokerD,LMT,92,None,None,Normal monitoring,27,-11,61,4,false,Within IPS guidelines
P4186,Hands-off,Trust,USD,2024-07-12,728506,37651,690855,1.0,65.3,28.7,0.0,5.9,MSFT:34.0%;BRK.B:34.0%;VNQ:32.1%,US:66.1;EU:14.3;APAC:7.6;EM:7.9;Other:4.2,Value:-0.2;Growth:+0.7;Quality:+0.5;Size:-0.2;Momentum:+0.8;LowVol:+0.1,ESGOnly;NoDerivatives,7,25,3.0,trailing 10%,94,14.1,Bull,16.6,4.86,2.6,101,5,42,54,false,NoAction,Within bands; monitor,6,-9,BrokerB,MKT,0,None,None,Normal monitoring,33,19,155,5,false,Increase defensive factor exposure
P4187,Active,401k,USD,2025-09-29,1170377,96459,1073918,1.24,64.5,26.0,2.1,7.4,IEF:24.0%;MSFT:16.1%;GLD:24.0%;HYG:23.2%;VNQ:12.8%,US:70.9;EU:6.7;APAC:15.7;EM:3.4;Other:3.2,Value:-0.5;Growth:-0.9;Quality:+0.6;Size:-0.8;Momentum:+0.8;LowVol:-1.0,,8,30,4.3,trailing 8%,132,23.6,Sideways,19.9,4.33,3.1,124,-30,47,50,false,Rebalance,Shift +1% to bonds from equity,-14,3,BrokerB,LMT,93,None,None,Normal monitoring,115,7,206,3,false,Tax-aware sells next window
P4188,Hands-off,Trust,USD,2024-08-06,252101,22462,229639,1.0,61.9,25.0,5.0,8.1,GLD:15.0%;QQQ:13.8%;VNQ:20.0%;BRK.B:12.7%;XLF:20.2%;TSLA:18.2%,US:68.0;EU:10.6;APAC:8.1;EM:12.0;Other:1.3,Value:-0.3;Growth:-0.4;Quality:+0.3;Size:0.0;Momentum:-0.7;LowVol:-0.5,ESGOnly;MaxPos7%,10,25,5.2,trailing 8%,140,15.0,Bull,12.0,4.53,2.2,98,72,88,46,false,Sell,Trim extended winner -1%,17,10,BrokerC,MKT,93,None,None,Normal monitoring,9,9,81,4,false,Within IPS guidelines
P4189,Opportunistic,Taxable,USD,2025-10-27,1101867,75063,1026804,1.0,69.0,13.6,9.3,8.1,GLD:23.3%;BND:10.8%;TLT:23.3%;AAPL:22.2%;VOO:20.6%,US:58.7;EU:20.1;APAC:15.1;EM:6.1;Other:0.0,Value:+0.6;Growth:-0.6;Quality:+0.8;Size:+0.6;Momentum:0.0;LowVol:+0.4,MaxPos7%;NoDerivatives,5,30,4.3,trailing 7%,180,23.4,Bear,30.7,4.43,1.7,134,-75,5,75,true,Hedge,Buy index puts 1% notional,35,12,BrokerB,LMT,100,Drift>tolerance,Reduce,Allocation drift beyond policy bands,96,-10,77,4,false,Tighten stops on momentum names
P4190,Hands-off,Taxable,USD,2024-12-23,882603,42596,840007,1.0,58.4,19.4,14.9,7.3,XLF:12.7%;TSLA:15.3%;TLT:10.7%;IEF:23.4%;HYG:14.5%;BND:23.4%,US:64.6;EU:6.5;APAC:10.8;EM:12.6;Other:5.6,Value:-0.1;Growth:-0.4;Quality:-0.4;Size:0.0;Momentum:-0.5;LowVol:+0.5,ESGOnly;MaxPos8%;NoDerivatives,10,30,5.6,hard 10%,141,16.8,Bull,14.5,4.08,2.5,119,63,96,51,false,NoAction,Within bands; monitor,22,-9,BrokerB,MKT,0,None,None,Normal monitoring,80,13,178,4,false,Tighten stops on momentum names
P4191,Hands-off,IRA,USD,2025-03-27,867877,48459,819418,1.0,66.6,25.3,0.0,8.2,AMZN:24.8%;VNQ:37.6%;VTI:37.6%,US:59.5;EU:16.2;APAC:13.0;EM:5.9;Other:5.4,Value:-0.4;Growth:-0.1;Quality:+0.9;Size:-0.8;Momentum:-0.8;LowVol:-0.8,MaxPos6%,10,25,5.0,hard 10%,124,17.1,Bull,14.1,3.76,3.5,90,0,35,51,false,Buy,Add to core equity +1%,-11,2,BrokerA,LMT,98,None,None,Normal monitoring,105,6,114,3,false,Monitor dispersion and breadth
P4192,Hands-off,401k,USD,2024-11-14,173305,11657,161648,1.0,68.1,24.2,0.0,7.7,MUB:25.9%;IEF:25.9%;AAPL:22.4%;VNQ:25.9%,US:68.5;EU:16.2;APAC:9.7;EM:5.6;Other:0.1,Value:-0.3;Growth:-0.8;Quality:-0.1;Size:+0.8;Momentum:+0.6;LowVol:-0.0,NoDerivatives,6,35,5.6,hard 10%,161,19.7,Volatile,27.8,3.6,4.1,140,17,67,70,false,Rebalance,Shift +1% to bonds from equity,31,-12,BrokerC,LMT,88,None,None,Normal monitoring,79,-50,213,5,false,Tax-aware sells next window
P4193,Systematic,Roth,USD,2024-07-21,1417423,116605,1300818,1.0,68.0,25.5,0.0,6.5,VNQ:22.7%;GLD:23.4%;XLF:11.4%;IEF:19.1%;MSFT:23.4%,US:60.8;EU:10.4;APAC:16.0;EM:10.5;Other:2.3,Value:+0.1;Growth:-0.8;Quality:+0.2;Size:+1.0;Momentum:-0.8;LowVol:0.0,MaxPos6%,5,25,4.3,trailing 9%,131,18.9,Volatile,20.5,5.49,3.4,170,72,77,57,false,Buy,Add to core equity +1%,31,-40,BrokerD,VWAP,96,None,None,Normal monitoring,109,-31,220,5,false,Tax-aware sells next window
P4194,Hands-off,401k,USD,2025-02-12,316000,25385,290615,1.0,69.1,20.1,4.5,6.2,TSLA:9.6%;VTI:21.2%;AMZN:14.1%;IEF:16.6%;BRK.B:21.2%;TLT:17.4%,US:57.0;EU:18.7;APAC:12.3;EM:10.2;Other:1.7,Value:-0.6;Growth:-0.9;Quality:+0.3;Size:0.0;Momentum:-0.8;LowVol:-0.3,ESGOnly;MaxPos7%,7,35,4.6,trailing 8%,108,14.7,Bull,17.0,4.84,2.1,84,37,57,48,false,Rebalance,Shift +1% to bonds from equity,-2,6,BrokerA,LMT,95,None,None,Normal monitoring,70,-35,109,4,false,Increase defensive factor exposure
P4195,Systematic,IRA,USD,2025-10-07,493324,34082,459242,1.0,57.4,29.5,3.9,9.2,VNQ:25.7%;BND:25.7%;QQQ:22.9%;XLF:25.7%,US:69.5;EU:17.1;APAC:6.9;EM:3.5;Other:2.9,Value:+0.5;Growth:-0.3;Quality:+0.7;Size:+0.9;Momentum:+0.3;LowVol:+0.9,MaxPos5%,8,35,5.9,trailing 8%,190,24.6,Bear,30.1,3.83,2.4,182,-32,25,77,true,Reduce,"Cut high-beta by 2-3%, add cash",18,-23,BrokerC,VWAP,95,RegimeShift,Reduce,Volatility spike and breadth deterioration,-48,19,62,4,false,Tighten stops on momentum names
P4196,Hands-off,Taxable,USD,2025-12-21,164084,8909,155175,1.0,72.9,16.1,3.4,7.6,AAPL:25.0%;TLT:25.0%;BRK.B:25.0%;MSFT:25.0%,US:68.6;EU:6.0;APAC:14.0;EM:8.5;Other:2.9,Value:+0.5;Growth:-0.7;Quality:+0.4;Size:+0.2;Momentum:+0.2;LowVol:+0.6,,7,30,5.4,trailing 8%,162,14.2,Bear,23.7,4.05,1.6,148,-68,28,74,true,Reduce,"Cut high-beta by 2-3%, add cash",31,-35,BrokerC,LMT,98,RegimeShift,Hedge,Volatility spike and breadth deterioration,81,-45,142,4,false,Tax-aware sells next window
P4197,Opportunistic,IRA,USD,2024-10-02,316502,17063,299439,1.0,73.8,13.2,5.1,7.9,IEF:25.0%;AMZN:25.0%;BND:25.0%;VOO:25.0%,US:65.8;EU:9.7;APAC:17.8;EM:4.0;Other:2.7,Value:+0.7;Growth:+0.2;Quality:-0.2;Size:+0.5;Momentum:+0.9;LowVol:+0.7,MaxPos6%,7,30,5.9,hard 12%,245,28.7,Volatile,22.3,5.1,4.2,179,-16,55,58,true,Hedge,Buy index puts 1% notional,-11,-17,BrokerA,MKT,97,VAR>budget,Reduce,Risk above budget threshold,105,-35,244,5,false,Tighten stops on momentum names
P4198,Hands-off,Trust,USD,2025-07-23,224084,14460,209624,1.0,69.9,16.1,4.8,9.1,QQQ:19.0%;IEF:21.6%;GLD:16.1%;BND:21.6%;TLT:21.6%,US:67.3;EU:8.0;APAC:13.6;EM:9.1;Other:1.9,Value:-0.9;Growth:-0.2;Quality:+0.1;Size:-0.6;Momentum:-0.8;LowVol:0.0,MaxPos6%,8,30,5.8,trailing 8%,151,15.8,Volatile,27.2,5.34,2.1,175,5,39,81,true,Hedge,Buy index puts 1% notional,-1,15,BrokerB,MKT,92,Drift>tolerance,Hedge,Allocation drift beyond policy bands,39,5,159,5,false,Increase defensive factor exposure
P4199,Systematic,IRA,USD,2024-09-12,1239270,89688,1149582,1.0,60.9,30.2,0.0,8.9,XLF:16.3%;IEF:11.7%;HYG:20.8%;TLT:13.0%;MSFT:17.5%;VOO:20.8%,US:70.7;EU:7.2;APAC:11.4;EM:7.1;Other:3.6,Value:-1.0;Growth:-0.3;Quality:0.0;Size:+0.5;Momentum:-0.1;LowVol:-0.4,,10,35,5.1,trailing 9%,172,17.9,Bull,16.0,4.12,3.1,74,67,69,40,false,Rebalance,Shift +1% to bonds from equity,32,-35,BrokerB,MKT,92,None,None,Normal monitoring,87,-19,214,4,false,Increase defensive factor exposure
P4200,Hands-off,Trust,USD,2024-10-25,220835,17324,203511,1.0,68.4,22.1,0.0,9.5,AMZN:25.0%;VOO:25.0%;MSFT:25.0%;XLF:25.0%,US:61.5;EU:11.7;APAC:13.7;EM:8.5;Other:4.6,Value:+0.8;Growth:-0.4;Quality:+0.5;Size:+0.3;Momentum:+0.1;LowVol:-0.7,ESGOnly,5,35,5.8,trailing 8%,168,19.6,Bull,17.1,3.72,3.3,117,104,100,63,false,Rebalance,Shift +1% to bonds from equity,12,2,BrokerD,LMT,97,None,None,Normal monitoring,90,-59,197,4,false,Within IPS guidelines
P4201,Active,Trust,USD,2025-06-27,1549272,116690,1432582,1.0,66.2,22.9,5.0,5.9,BND:33.3%;VTI:33.3%;AMZN:33.3%,US:73.5;EU:10.3;APAC:8.4;EM:4.1;Other:3.7,Value:-0.1;Growth:+0.8;Quality:-0.4;Size:-0.8;Momentum:-0.7;LowVol:+0.1,MaxPos8%,5,35,5.8,trailing 8%,223,20.4,Volatile,29.1,3.71,3.6,180,-4,56,83,true,Rebalance,Rebalance back to target bands,5,-20,BrokerA,MKT,87,VAR>budget,Reduce,Risk above budget threshold,36,-6,-4,3,false,Increase defensive factor exposure
P4202,Cautious,Trust,USD,2025-09-05,481786,75172,406614,1.0,52.5,30.5,2.2,14.8,MSFT:26.8%;XLF:19.5%;QQQ:26.8%;AAPL:26.8%,US:66.6;EU:13.9;APAC:11.4;EM:6.0;Other:2.1,Value:+0.2;Growth:+0.1;Quality:-0.4;Size:+0.3;Momentum:+0.8;LowVol:+0.6,MaxPos5%;NoDerivatives;NoMargin,7,35,5.8,trailing 8%,123,14.4,Bear,24.5,3.1,1.0,170,-55,22,65,false,Rebalance,Shift +1% to bonds from equity,25,-10,BrokerD,MKT,85,None,None,Normal monitoring,61,-4,42,4,false,Tighten stops on momentum names
P4203,Active,IRA,USD,2024-11-22,960161,80707,879454,1.16,62.7,20.8,7.8,8.7,AAPL:33.3%;BND:33.3%;GLD:33.3%,US:69.1;EU:8.1;APAC:10.6;EM:10.3;Other:1.9,Value:+0.5;Growth:+0.3;Quality:+0.7;Size:-0.6;Momentum:+0.4;LowVol:+0.3,NoDerivatives,7,30,4.0,trailing 9%,166,26.1,Volatile,27.1,5.27,4.0,142,34,81,61,false,Sell,Trim extended winner -1%,-5,-18,BrokerD,MKT,91,None,None,Normal monitoring,111,-58,129,5,false,Within IPS guidelines
P4204,Opportunistic,Taxable,USD,2025-09-27,1252188,97184,1155004,1.0,60.1,13.1,21.6,5.3,VOO:25.6%;BND:25.6%;QQQ:25.6%;IEF:23.1%,US:71.7;EU:9.7;APAC:10.0;EM:3.8;Other:4.8,Value:0.0;Growth:+0.7;Quality:-0.7;Size:+1.0;Momentum:-0.3;LowVol:-0.3,MaxPos8%;NoDerivatives,6,30,4.1,trailing 7%,177,23.3,Bull,12.0,4.09,3.0,73,97,100,47,false,Hedge,Add TLT +1% as duration hedge,8,-2,BrokerC,MKT,88,None,None,Normal monitoring,65,-40,193,5,false,Tax-aware sells next window
P4205,Hands-off,Taxable,USD,2025-07-18,293713,19502,274211,1.0,56.0,15.2,19.9,8.9,VOO:21.9%;TSLA:21.9%;BND:21.4%;HYG:13.0%;GLD:21.9%,US:66.4;EU:18.4;APAC:6.1;EM:5.4;Other:3.7,Value:-0.1;Growth:+0.9;Quality:+0.2;Size:-0.5;Momentum:-0.4;LowVol:+0.3,ESGOnly;MaxPos6%;NoDerivatives,6,25,4.1,hard 10%,125,14.4,Volatile,30.0,4.9,2.1,159,0,41,75,true,Hedge,Buy index puts 1% notional,30,-19,BrokerC,LMT,95,Drift>tolerance,Pause,Allocation drift beyond policy bands,92,-22,232,2,false,Within IPS guidelines
P4206,Systematic,401k,USD,2024-08-21,838264,69377,768887,1.0,59.8,33.8,0.0,6.3,MSFT:33.3%;AAPL:33.3%;IEF:33.3%,US:65.1;EU:19.8;APAC:6.3;EM:7.5;Other:1.3,Value:+0.1;Growth:+0.1;Quality:+0.4;Size:+0.6;Momentum:-0.9;LowVol:-0.8,MaxPos8%,7,35,5.6,trailing 9%,215,20.7,Sideways,21.9,3.6,3.2,134,40,55,54,false,NoAction,Within bands; monitor,1,-1,BrokerD,LMT,90,None,None,Normal monitoring,110,-56,200,3,false,Monitor dispersion and breadth
P4207,Systematic,401k,USD,2025-10-27,590891,27637,563254,1.0,61.1,31.8,0.0,7.0,AAPL:26.9%;VTI:26.9%;MUB:19.3%;MSFT:26.9%,US:61.0;EU:13.0;APAC:8.5;EM:12.5;Other:5.0,Value:-0.9;Growth:+0.1;Quality:-0.5;Size:+0.7;Momentum:+0.3;LowVol:-0.8,,7,30,5.1,hard 12%,198,25.7,Volatile,24.6,4.63,3.5,154,-41,24,59,false,Sell,Trim extended winner -1%,21,-19,BrokerA,MKT,98,None,None,Normal monitoring,35,-26,93,5,false,Increase defensive factor exposure
P4208,Opportunistic,IRA,USD,2024-08-22,558269,18899,539370,1.0,76.7,11.3,5.7,6.4,IEF:27.5%;AAPL:27.5%;BND:17.5%;VTI:27.5%,US:61.9;EU:8.4;APAC:13.7;EM:12.2;Other:3.8,Value:-0.3;Growth:+0.2;Quality:-0.4;Size:-0.5;Momentum:+0.2;LowVol:-0.4,,10,35,4.3,trailing 7%,267,21.7,Sideways,16.5,4.17,3.0,136,33,71,61,false,Sell,Trim extended winner -1%,0,-26,BrokerA,LMT,90,None,None,Normal monitoring,81,-20,187,3,false,Monitor dispersion and breadth
P4209,Active,401k,USD,2025-09-24,1171825,125431,1046394,1.0,62.6,28.1,0.0,9.2,TSLA:26.3%;GLD:21.2%;BND:26.3%;AAPL:26.3%,US:70.8;EU:8.4;APAC:10.7;EM:8.8;Other:1.3,Value:-0.1;Growth:-0.7;Quality:-0.9;Size:+0.4;Momentum:-0.8;LowVol:-1.0,MaxPos8%,6,30,4.4,hard 12%,151,16.0,Bull,15.4,4.24,3.2,106,108,100,39,false,Buy,Add to core equity +1%,17,-25,BrokerB,LMT,86,None,None,Normal monitoring,-21,-45,-45,3,false,Monitor dispersion and breadth
P4210,Active,Trust,USD,2025-11-11,549726,53824,495902,1.0,53.0,29.3,9.4,8.3,BRK.B:16.7%;MUB:10.1%;IEF:22.6%;QQQ:15.1%;MSFT:13.0%;HYG:22.6%,US:60.1;EU:15.5;APAC:8.0;EM:13.3;Other:3.2,Value:-0.3;Growth:-0.7;Quality:+0.7;Size:+0.8;Momentum:-1.0;LowVol:-0.3,MaxPos8%,8,30,5.2,trailing 8%,223,22.6,Bear,28.1,4.44,1.3,176,-21,34,66,false,Buy,Add to core equity +1%,27,-5,BrokerA,MKT,86,None,None,Normal monitoring,103,-11,179,3,false,Tighten stops on momentum names
P4211,Cautious,Trust,USD,2025-06-21,320176,48360,271816,1.0,48.7,35.9,0.0,15.4,TSLA:30.7%;AAPL:34.7%;VNQ:34.7%,US:59.3;EU:17.1;APAC:13.5;EM:5.5;Other:4.6,Value:+0.5;Growth:-0.1;Quality:-0.1;Size:+0.8;Momentum:+0.7;LowVol:-0.4,ESGOnly;MaxPos6%;NoMargin,6,25,4.7,trailing 8%,103,17.8,Bear,32.3,3.71,1.4,203,-8,33,77,true,Hedge,Buy index puts 1% notional,22,12,BrokerA,LMT,99,RegimeShift,Pause,Volatility spike and breadth deterioration,23,-47,33,5,false,Tighten stops on momentum names
P4212,Cautious,IRA,USD,2025-12-24,328507,45386,283121,1.0,41.3,33.7,11.1,13.9,AMZN:33.3%;BRK.B:33.3%;GLD:33.3%,US:74.1;EU:9.1;APAC:7.2;EM:8.4;Other:1.2,Value:+0.2;Growth:-0.7;Quality:-0.3;Size:+0.2;Momentum:-0.7;LowVol:-0.6,NoMargin,6,25,3.2,trailing 8%,124,15.3,Bull,13.9,4.97,3.0,70,41,79,31,false,Rebalance,Shift +1% to bonds from equity,3,-35,BrokerA,MKT,93,None,None,Normal monitoring,106,-51,177,4,false,Within IPS guidelines
P4213,Hands-off,401k,USD,2025-09-18,733181,71590,661591,1.0,65.4,15.0,11.9,7.6,IEF:29.0%;GLD:13.0%;BND:29.0%;TSLA:29.0%,US:67.7;EU:15.0;APAC:9.5;EM:7.1;Other:0.8,Value:+0.8;Growth:-0.1;Quality:-0.6;Size:-0.9;Momentum:+0.1;LowVol:+0.5,ESGOnly;MaxPos5%,8,35,5.8,hard 10%,126,19.1,Sideways,16.0,4.55,2.6,112,14,67,60,true,Rebalance,Rebalance back to target bands,6,-18,BrokerC,MKT,93,Drift>tolerance,Reduce,Allocation drift beyond policy bands,42,-6,136,5,true,Tighten stops on momentum names
P4214,Systematic,Taxable,USD,2025-03-13,1704531,79996,1624535,1.0,61.7,32.3,0.0,6.0,HYG:25.9%;BRK.B:25.9%;IEF:25.9%;VTI:22.3%,US:65.9;EU:14.2;APAC:13.6;EM:5.2;Other:1.1,Value:+0.9;Growth:-0.3;Quality:+0.8;Size:-0.6;Momentum:+0.4;LowVol:+0.7,,8,30,5.7,trailing 8%,222,17.4,Bull,11.3,4.09,2.4,115,68,84,41,false,Rebalance,Shift +1% to bonds from equity,-10,-35,BrokerA,MKT,99,None,None,Normal monitoring,49,-11,135,5,false,Monitor dispersion and breadth
P4215,Hands-off,IRA,USD,2025-05-15,874138,68373,805765,1.0,55.7,26.2,10.8,7.4,QQQ:36.1%;AAPL:27.8%;VTI:36.1%,US:68.3;EU:10.4;APAC:9.3;EM:11.9;Other:0.1,Value:-0.4;Growth:+0.7;Quality:+0.3;Size:+0.6;Momentum:+0.3;LowVol:+0.8,ESGOnly,10,35,4.6,hard 10%,108,14.0,Bull,12.7,3.86,2.8,88,105,87,35,false,Buy,Add to core equity +1%,13,-25,BrokerD,MKT,93,None,None,Normal monitoring,2,-49,-21,3,false,Monitor dispersion and breadth
P4216,Opportunistic,Taxable,USD,2025-07-03,652246,52873,599373,1.08,69.5,11.7,10.2,8.6,AAPL:33.3%;VTI:33.3%;HYG:33.3%,US:57.1;EU:16.8;APAC:11.0;EM:9.8;Other:5.3,Value:+0.4;Growth:-0.7;Quality:+0.2;Size:-0.3;Momentum:-0.8;LowVol:+0.6,NoDerivatives,10,35,6.8,trailing 9%,221,31.3,Bull,11.1,3.73,3.4,99,16,53,50,false,Rebalance,Shift +1% to bonds from equity,3,-25,BrokerB,LMT,98,None,None,Normal monitoring,57,-33,178,3,false,Tighten stops on momentum names
P4217,Hands-off,Trust,USD,2025-08-13,448562,31762,416800,1.0,59.5,19.1,12.0,9.3,HYG:33.3%;TLT:33.3%;VTI:33.3%,US:67.7;EU:13.2;APAC:13.0;EM:5.8;Other:0.2,Value:-1.0;Growth:+0.6;Quality:-0.8;Size:-0.4;Momentum:+0.4;LowVol:-0.8,ESGOnly;MaxPos5%,5,30,3.0,trailing 10%,140,19.2,Bull,14.8,4.77,2.4,92,114,100,50,false,Hedge,Add TLT +1% as duration hedge,0,-21,BrokerC,MKT,86,None,None,Normal monitoring,7,-2,54,4,false,Increase defensive factor exposure
P4218,Hands-off,401k,USD,2025-11-23,341680,23159,318521,1.0,57.6,16.3,17.8,8.3,QQQ:33.3%;TLT:33.3%;VNQ:33.3%,US:70.0;EU:8.8;APAC:8.7;EM:9.0;Other:3.4,Value:+0.1;Growth:-0.2;Quality:-0.5;Size:-0.5;Momentum:+0.5;LowVol:+0.9,,7,25,3.7,hard 10%,156,17.0,Volatile,24.5,4.64,2.0,138,64,86,65,false,Buy,Add to core equity +1%,6,-8,BrokerD,LMT,87,None,None,Normal monitoring,75,-43,66,4,false,Within IPS guidelines
P4219,Opportunistic,Taxable,USD,2025-06-05,1703624,85670,1617954,1.13,74.8,19.7,0.0,5.5,TSLA:22.2%;VNQ:15.0%;VOO:22.2%;TLT:22.2%;AMZN:18.4%,US:66.4;EU:13.7;APAC:11.8;EM:3.9;Other:4.2,Value:+0.6;Growth:-0.3;Quality:+0.5;Size:-0.1;Momentum:-0.3;LowVol:-0.8,NoDerivatives,7,30,4.9,trailing 9%,210,30.2,Bear,29.8,3.37,1.1,152,-61,24,87,true,Rebalance,Rebalance back to target bands,-11,-38,BrokerD,LMT,86,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-36,-33,17,2,false,Within IPS guidelines
P4220,Opportunistic,IRA,USD,2025-08-20,421905,34664,387241,1.12,67.5,11.8,16.0,4.7,BND:11.4%;XLF:21.1%;BRK.B:16.2%;MSFT:21.1%;IEF:17.8%;TLT:12.3%,US:68.6;EU:7.8;APAC:11.3;EM:9.7;Other:2.6,Value:+0.2;Growth:+0.9;Quality:-0.8;Size:-0.9;Momentum:-0.3;LowVol:-0.7,MaxPos5%,10,35,6.6,trailing 7%,269,33.5,Volatile,28.3,5.21,2.5,129,41,59,77,true,Reduce,"Cut high-beta by 2-3%, add cash",-9,-18,BrokerB,MKT,95,RegimeShift,Reduce,Volatility spike and breadth deterioration,62,-41,34,4,false,Tax-aware sells next window
P4221,Cautious,Trust,USD,2025-06-27,266972,30377,236595,1.0,48.5,36.0,2.2,13.4,VOO:33.3%;VNQ:33.3%;MSFT:33.3%,US:62.8;EU:17.0;APAC:9.4;EM:7.6;Other:3.3,Value:+0.6;Growth:+0.7;Quality:+0.1;Size:+0.7;Momentum:-1.0;LowVol:-0.4,ESGOnly;MaxPos8%;NoMargin,7,35,6.0,trailing 10%,166,14.1,Volatile,22.8,3.75,4.0,161,29,77,48,false,Buy,Add to core equity +1%,-5,-2,BrokerB,VWAP,96,None,None,Normal monitoring,117,2,209,4,false,Increase defensive factor exposure
P4222,Active,401k,USD,2024-09-12,1174092,134901,1039191,1.0,56.8,21.8,15.8,5.5,MUB:22.3%;VOO:14.3%;AAPL:12.9%;TLT:8.4%;BRK.B:19.8%;AMZN:22.3%,US:69.4;EU:12.8;APAC:11.2;EM:4.9;Other:1.7,Value:-1.0;Growth:+0.6;Quality:-0.6;Size:+0.3;Momentum:-0.2;LowVol:-0.2,MaxPos5%,7,35,5.0,trailing 8%,224,27.1,Volatile,25.0,4.05,4.3,142,0,50,57,false,Hedge,Add TLT +1% as duration hedge,-5,-30,BrokerC,LMT,89,None,None,Normal monitoring,21,7,9,3,false,Monitor dispersion and breadth
P4223,Cautious,IRA,USD,2025-12-11,413144,37398,375746,1.0,38.6,37.8,8.8,14.8,MUB:24.3%;HYG:25.5%;GLD:25.5%;AAPL:24.7%,US:61.8;EU:15.1;APAC:14.7;EM:6.1;Other:2.4,Value:-0.7;Growth:-0.3;Quality:+0.7;Size:-0.5;Momentum:-0.0;LowVol:-0.9,NoDerivatives;NoMargin,5,25,4.5,hard 10%,136,15.5,Bull,13.5,4.85,3.4,107,32,71,40,true,Hedge,Buy index puts 1% notional,3,-10,BrokerB,LMT,87,VAR>budget,Pause,Risk above budget threshold,-48,-52,34,5,false,Within IPS guidelines
P4224,Active,401k,USD,2025-08-03,1222001,142603,1079398,1.0,60.6,24.6,7.2,7.6,VOO:26.2%;MSFT:26.2%;IEF:26.2%;VNQ:21.4%,US:63.1;EU:18.6;APAC:7.0;EM:10.2;Other:1.2,Value:+0.3;Growth:+0.8;Quality:+0.9;Size:-1.0;Momentum:-0.4;LowVol:0.0,NoDerivatives,5,25,5.9,trailing 8%,151,20.5,Sideways,19.6,3.72,3.0,100,19,50,56,false,Rebalance,Shift +1% to bonds from equity,23,-31,BrokerC,MKT,90,None,None,Normal monitoring,-42,14,52,5,false,Within IPS guidelines
P4225,Opportunistic,Taxable,USD,2025-11-17,1583005,111853,1471152,1.18,65.7,17.4,8.1,8.8,VNQ:33.3%;IEF:33.3%;BND:33.3%,US:76.5;EU:8.7;APAC:7.4;EM:6.6;Other:0.7,Value:-1.0;Growth:0.0;Quality:-0.5;Size:-0.5;Momentum:-1.0;LowVol:0.0,,8,35,4.7,trailing 9%,232,20.4,Volatile,20.1,4.83,2.9,110,54,81,52,false,Rebalance,Shift +1% to bonds from equity,-4,-34,BrokerC,LMT,94,None,None,Normal monitoring,7,-28,69,3,false,Within IPS guidelines
P4226,Hands-off,401k,USD,2025-04-07,697736,51190,646546,1.0,58.9,29.0,3.3,8.8,XLF:11.5%;VOO:17.5%;VNQ:23.7%;GLD:23.7%;IEF:23.7%,US:64.1;EU:19.2;APAC:6.4;EM:6.1;Other:4.2,Value:+0.6;Growth:-0.3;Quality:+0.3;Size:-0.9;Momentum:+0.8;LowVol:+0.5,,6,35,5.0,trailing 10%,96,13.9,Bull,14.1,4.65,3.2,113,1,57,43,true,Hedge,Buy index puts 1% notional,-10,-17,BrokerD,MKT,88,VAR>budget,Reduce,Risk above budget threshold,95,-25,131,4,false,Monitor dispersion and breadth
P4227,Active,Taxable,USD,2024-08-09,896369,97312,799057,1.0,59.6,30.6,1.7,8.1,VOO:33.3%;VTI:33.3%;QQQ:33.3%,US:56.7;EU:20.2;APAC:7.6;EM:10.9;Other:4.6,Value:+0.6;Growth:+0.7;Quality:+0.4;Size:+0.9;Momentum:+0.3;LowVol:+0.2,,8,25,4.7,trailing 9%,167,25.3,Bull,16.6,4.01,2.7,91,25,47,42,false,Hedge,Add TLT +1% as duration hedge,30,14,BrokerC,MKT,97,None,None,Normal monitoring,-2,-25,-3,3,false,Increase defensive factor exposure
P4228,Cautious,Trust,USD,2025-04-16,298973,33286,265687,1.0,40.5,35.9,13.6,10.0,AAPL:25.5%;VOO:25.5%;VTI:23.5%;XLF:25.5%,US:77.4;EU:6.8;APAC:11.3;EM:4.1;Other:0.4,Value:-0.4;Growth:+0.8;Quality:-0.7;Size:-1.0;Momentum:+0.9;LowVol:-0.6,ESGOnly;MaxPos6%;NoMargin,10,25,3.8,hard 10%,162,12.6,Bear,34.6,4.19,2.8,203,-91,7,78,true,Hedge,Buy index puts 1% notional,-5,-23,BrokerA,MKT,93,RegimeShift,Hedge,Volatility spike and breadth deterioration,120,-39,89,4,false,Tighten stops on momentum names
P4229,Cautious,401k,USD,2024-07-15,599096,54175,544921,1.0,49.2,35.1,0.0,15.6,VNQ:25.4%;QQQ:23.8%;VOO:25.4%;XLF:25.4%,US:61.9;EU:14.3;APAC:9.4;EM:10.3;Other:4.1,Value:+0.1;Growth:+1.0;Quality:-0.6;Size:+0.8;Momentum:+0.2;LowVol:+0.6,ESGOnly;MaxPos8%;NoDerivatives;NoMargin,6,30,4.0,hard 10%,123,12.9,Volatile,25.3,5.06,4.0,166,-58,7,52,false,Rebalance,Shift +1% to bonds from equity,-3,-15,BrokerC,MKT,93,None,None,Normal monitoring,72,-26,165,4,false,Tax-aware sells next window
P4230,Cautious,Taxable,USD,2025-09-07,349859,51302,298557,1.0,47.6,36.8,0.0,15.6,VOO:16.8%;HYG:23.4%;TLT:17.6%;AMZN:18.9%;BRK.B:23.4%,US:66.3;EU:14.6;APAC:8.3;EM:10.1;Other:0.6,Value:+0.3;Growth:-0.9;Quality:-0.5;Size:-0.5;Momentum:+0.6;LowVol:+0.4,MaxPos7%;NoMargin,10,25,6.0,trailing 8%,102,15.3,Bull,12.0,5.0,2.2,117,61,93,24,false,Rebalance,Shift +1% to bonds from equity,-10,-6,BrokerD,VWAP,90,None,None,Normal monitoring,-28,6,8,5,false,Within IPS guidelines
P4231,Hands-off,401k,USD,2025-09-04,385021,37888,347133,1.0,55.9,27.8,9.6,6.7,HYG:26.6%;TSLA:26.6%;TLT:20.3%;AAPL:26.6%,US:65.6;EU:10.2;APAC:12.6;EM:8.8;Other:2.9,Value:+0.9;Growth:-0.5;Quality:+0.9;Size:-0.2;Momentum:-0.3;LowVol:+1.0,ESGOnly,7,35,5.6,hard 10%,113,19.2,Sideways,21.6,4.13,3.4,107,17,46,53,false,Rebalance,Shift +1% to bonds from equity,7,11,BrokerA,LMT,87,None,None,Normal monitoring,46,-26,100,5,false,Monitor dispersion and breadth
P4232,Hands-off,Taxable,USD,2024-07-06,704165,46253,657912,1.0,72.1,19.4,0.6,7.8,HYG:33.3%;AAPL:33.3%;GLD:33.3%,US:74.9;EU:11.8;APAC:7.2;EM:5.8;Other:0.4,Value:-0.9;Growth:-0.2;Quality:+0.3;Size:-0.6;Momentum:+0.7;LowVol:+0.3,NoDerivatives,8,35,4.2,trailing 10%,143,14.8,Volatile,24.4,5.46,4.3,156,-50,10,71,true,Rebalance,Rebalance back to target bands,10,-33,BrokerD,VWAP,91,Drift>tolerance,Hedge,Allocation drift beyond policy bands,26,-26,41,3,false,Tax-aware sells next window
P4233,Cautious,Trust,USD,2025-10-12,673282,96549,576733,1.0,50.9,38.9,0.0,10.3,VTI:22.6%;QQQ:22.6%;AMZN:12.9%;BND:22.6%;TSLA:19.2%,US:67.7;EU:9.8;APAC:13.1;EM:8.2;Other:1.2,Value:-0.3;Growth:+0.9;Quality:-0.6;Size:-0.8;Momentum:+0.6;LowVol:-0.7,NoMargin,6,25,5.1,trailing 10%,159,19.4,Bull,16.6,4.34,2.4,98,98,100,51,false,Rebalance,Shift +1% to bonds from equity,6,-34,BrokerC,MKT,87,None,None,Normal monitoring,97,20,77,4,false,Monitor dispersion and breadth
P4234,Active,IRA,USD,2024-11-05,1757347,127122,1630225,1.0,50.7,29.3,13.1,6.9,MSFT:33.3%;TLT:33.3%;VTI:33.3%,US:64.0;EU:17.1;APAC:7.5;EM:9.8;Other:1.6,Value:+0.3;Growth:+0.9;Quality:-0.1;Size:+0.8;Momentum:+0.5;LowVol:-0.2,NoDerivatives,7,25,4.1,trailing 9%,144,20.6,Bear,32.9,3.15,1.7,177,-91,13,84,true,Rebalance,Rebalance back to target bands,-11,-12,BrokerC,MKT,87,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-26,5,-47,5,false,Within IPS guidelines
P4235,Systematic,IRA,USD,2024-10-17,1515629,111645,1403984,1.0,65.3,22.2,5.7,6.7,TSLA:24.6%;HYG:25.1%;TLT:25.1%;IEF:25.1%,US:62.6;EU:16.1;APAC:11.7;EM:8.4;Other:1.1,Value:+0.4;Growth:+0.2;Quality:-0.1;Size:-0.6;Momentum:-0.1;LowVol:-0.8,,7,25,4.9,trailing 8%,199,25.7,Bull,11.7,3.74,2.8,75,4,52,33,false,NoAction,Within bands; monitor,28,-28,BrokerA,MKT,0,None,None,Normal monitoring,45,-43,11,5,false,Within IPS guidelines
P4236,Opportunistic,401k,USD,2025-03-05,331715,25144,306571,1.0,67.7,19.2,4.5,8.6,TSLA:33.3%;GLD:33.3%;VOO:33.3%,US:68.5;EU:19.8;APAC:5.7;EM:4.5;Other:1.4,Value:-0.9;Growth:+1.0;Quality:-0.5;Size:-0.9;Momentum:+0.2;LowVol:-0.2,,6,25,5.3,hard 12%,225,24.2,Bear,29.3,4.08,2.7,153,-101,5,79,true,Hedge,Buy index puts 1% notional,29,-15,BrokerD,VWAP,93,RegimeShift,Hedge,Volatility spike and breadth deterioration,-40,-21,32,4,true,Within IPS guidelines
P4237,Cautious,401k,USD,2025-04-08,441641,55366,386275,1.0,41.1,35.1,10.4,13.4,HYG:34.1%;VTI:34.1%;BRK.B:31.7%,US:74.0;EU:9.1;APAC:8.8;EM:8.0;Other:0.2,Value:-1.0;Growth:+0.9;Quality:+0.5;Size:+0.8;Momentum:+1.0;LowVol:-0.4,ESGOnly;MaxPos5%;NoMargin,7,25,3.1,trailing 8%,168,15.8,Bull,15.8,4.82,2.5,96,110,93,46,false,Hedge,Add TLT +1% as duration hedge,-14,-35,BrokerA,LMT,89,None,None,Normal monitoring,68,-49,80,4,false,Increase defensive factor exposure
P4238,Hands-off,Trust,USD,2025-08-09,757327,72059,685268,1.0,66.6,23.7,0.0,9.7,BND:13.5%;HYG:21.0%;BRK.B:21.0%;TSLA:17.4%;IEF:13.6%;GLD:13.4%,US:55.8;EU:15.0;APAC:13.2;EM:11.5;Other:4.5,Value:+0.3;Growth:+0.5;Quality:-0.9;Size:+0.7;Momentum:+0.9;LowVol:-0.8,ESGOnly,7,30,4.2,hard 10%,169,14.0,Bull,15.1,3.55,2.8,100,115,100,51,false,Buy,Add to core equity +1%,0,-14,BrokerA,VWAP,88,None,None,Normal monitoring,-39,-44,-11,5,false,Tax-aware sells next window
P4239,Active,Roth,USD,2024-08-16,762138,79976,682162,1.0,63.2,29.5,0.0,7.3,BND:35.3%;AMZN:29.4%;TSLA:35.3%,US:66.9;EU:12.2;APAC:7.3;EM:8.0;Other:5.6,Value:+0.7;Growth:+0.1;Quality:-1.0;Size:+1.0;Momentum:+0.7;LowVol:+1.0,NoDerivatives,6,25,5.1,hard 12%,179,23.7,Sideways,18.6,3.91,3.1,123,-17,32,59,false,Hedge,Add TLT +1% as duration hedge,5,-33,BrokerB,MKT,99,None,None,Normal monitoring,33,-11,23,5,false,Within IPS guidelines
P4240,Active,Taxable,USD,2024-09-13,608619,41136,567483,1.0,54.0,18.9,18.3,8.8,MSFT:35.1%;AMZN:29.8%;BND:35.1%,US:63.4;EU:14.4;APAC:10.9;EM:9.2;Other:2.2,Value:+0.2;Growth:-0.7;Quality:+0.1;Size:-0.8;Momentum:-0.8;LowVol:-0.6,MaxPos5%;NoDerivatives,8,25,5.1,trailing 9%,120,19.6,Bull,17.0,3.97,3.5,93,0,59,39,false,Buy,Add to core equity +1%,-13,-27,BrokerB,MKT,88,None,None,Normal monitoring,-34,-51,100,3,false,Tighten stops on momentum names
P4241,Opportunistic,Taxable,USD,2024-07-26,1349173,63828,1285345,1.19,69.8,16.8,4.7,8.6,MSFT:33.3%;VNQ:33.3%;TSLA:33.3%,US:65.2;EU:12.7;APAC:9.9;EM:9.6;Other:2.6,Value:-0.5;Growth:-0.4;Quality:+1.0;Size:+0.3;Momentum:-1.0;LowVol:+0.5,,8,30,6.0,hard 12%,182,24.2,Volatile,26.7,5.36,2.9,176,-55,10,83,true,Reduce,"Cut high-beta by 2-3%, add cash",8,-20,BrokerC,LMT,100,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-56,-41,42,4,false,Increase defensive factor exposure
P4242,Hands-off,Roth,USD,2025-04-11,179729,10853,168876,1.0,69.2,20.0,5.6,5.2,MUB:25.2%;XLF:25.2%;BRK.B:24.4%;TSLA:25.2%,US:66.1;EU:16.7;APAC:11.9;EM:4.1;Other:1.3,Value:+0.1;Growth:-0.5;Quality:-0.0;Size:-0.6;Momentum:0.0;LowVol:-0.8,ESGOnly;NoDerivatives,6,35,4.5,hard 10%,161,17.4,Sideways,20.2,4.36,2.6,116,-1,60,54,false,Buy,Add to core equity +1%,-6,-9,BrokerC,LMT,85,None,None,Normal monitoring,71,-16,118,5,false,Tax-aware sells next window
P4243,Hands-off,Roth,USD,2024-12-09,511363,25203,486160,1.0,58.3,27.3,5.6,8.8,AMZN:11.5%;TSLA:22.0%;MUB:9.1%;QQQ:19.0%;BND:22.0%;MSFT:16.4%,US:75.8;EU:6.5;APAC:7.2;EM:6.4;Other:4.1,Value:+0.2;Growth:+0.2;Quality:-0.6;Size:-0.3;Momentum:+0.3;LowVol:+0.7,NoDerivatives,8,35,3.0,trailing 10%,120,12.9,Volatile,26.5,4.73,3.5,129,-17,55,77,true,Hedge,Buy index puts 1% notional,5,-38,BrokerA,LMT,85,RegimeShift,Reduce,Volatility spike and breadth deterioration,-47,5,2,5,false,Increase defensive factor exposure
P4244,Cautious,IRA,USD,2025-10-23,830193,94332,735861,1.0,39.9,32.8,12.4,14.9,HYG:11.6%;BND:11.2%;TLT:15.5%;XLF:20.6%;MUB:20.6%;MSFT:20.6%,US:74.6;EU:7.7;APAC:8.0;EM:5.1;Other:4.6,Value:+0.1;Growth:-0.8;Quality:+0.3;Size:-0.1;Momentum:-0.1;LowVol:+0.2,ESGOnly;NoMargin,5,35,5.7,trailing 8%,135,17.4,Sideways,15.7,3.98,3.4,119,31,56,38,false,Hedge,Add TLT +1% as duration hedge,-14,-28,BrokerB,MKT,86,None,None,Normal monitoring,89,12,212,5,false,Tax-aware sells next window
P4245,Active,Trust,USD,2024-08-04,1663031,108358,1554673,1.0,55.0,25.6,12.9,6.5,VTI:22.9%;AAPL:12.4%;MUB:22.9%;XLF:22.9%;MSFT:18.8%,US:63.4;EU:19.8;APAC:8.2;EM:7.3;Other:1.4,Value:+0.7;Growth:-0.5;Quality:-0.5;Size:+0.1;Momentum:+0.6;LowVol:+0.9,,5,30,5.8,hard 12%,183,22.6,Bull,11.2,4.9,3.5,85,26,68,41,false,Hedge,Add TLT +1% as duration hedge,-11,9,BrokerC,VWAP,88,None,None,Normal monitoring,6,-34,30,3,false,Increase defensive factor exposure
P4246,Hands-off,IRA,USD,2025-07-16,642871,36816,606055,1.0,64.3,16.7,10.1,8.9,VTI:23.2%;AAPL:7.2%;GLD:23.2%;IEF:23.2%;XLF:23.2%,US:69.8;EU:10.2;APAC:7.6;EM:8.6;Other:3.9,Value:-0.2;Growth:-0.4;Quality:+0.4;Size:-0.7;Momentum:+0.8;LowVol:-0.5,ESGOnly,10,30,3.1,trailing 10%,157,17.5,Sideways,16.9,4.84,3.4,128,58,87,56,true,Reduce,"Cut high-beta by 2-3%, add cash",27,-10,BrokerC,LMT,95,VAR>budget,Reduce,Risk above budget threshold,91,-6,164,2,false,Tighten stops on momentum names
P4247,Cautious,Roth,USD,2025-07-10,626475,96264,530211,1.0,44.0,37.6,7.7,10.8,BRK.B:21.9%;XLF:10.2%;VTI:6.5%;BND:21.9%;VNQ:21.9%;MUB:17.7%,US:61.6;EU:16.7;APAC:10.4;EM:8.4;Other:2.8,Value:+0.1;Growth:+0.6;Quality:+0.4;Size:-0.5;Momentum:-0.6;LowVol:+0.7,ESGOnly;MaxPos6%;NoDerivatives;NoMargin,6,30,5.5,hard 10%,164,16.9,Bull,15.8,4.49,3.0,87,16,62,30,false,Buy,Add to core equity +1%,26,9,BrokerA,LMT,85,None,None,Normal monitoring,96,-4,150,3,false,Tax-aware sells next window
P4248,Hands-off,IRA,USD,2024-09-30,451462,20074,431388,1.0,58.0,22.5,13.4,6.1,BND:17.1%;AMZN:21.6%;HYG:21.6%;VOO:8.7%;MSFT:21.6%;VNQ:9.5%,US:69.1;EU:6.0;APAC:16.0;EM:3.8;Other:5.2,Value:-0.0;Growth:-1.0;Quality:-0.6;Size:+0.4;Momentum:+0.1;LowVol:-0.3,ESGOnly;MaxPos8%,5,25,4.6,hard 10%,167,13.8,Bear,29.6,3.5,1.5,172,25,54,68,true,Hedge,Buy index puts 1% notional,2,-15,BrokerD,MKT,89,Drift>tolerance,Reduce,Allocation drift beyond policy bands,27,-15,11,3,false,Monitor dispersion and breadth
P4249,Active,401k,USD,2024-08-16,1130368,86858,1043510,1.22,62.9,28.9,0.0,8.3,BRK.B:21.4%;BND:26.2%;AAPL:26.2%;AMZN:26.2%,US:68.1;EU:14.2;APAC:5.9;EM:7.3;Other:4.4,Value:-0.5;Growth:-0.2;Quality:-0.6;Size:-0.2;Momentum:-0.5;LowVol:-0.1,MaxPos5%,5,25,5.2,trailing 8%,120,22.4,Bear,29.8,4.21,2.3,139,-14,34,87,true,Reduce,"Cut high-beta by 2-3%, add cash",26,-36,BrokerA,LMT,96,VAR>budget,Hedge,Risk above budget threshold,-50,-7,-25,2,false,Within IPS guidelines
P4250,Opportunistic,Taxable,USD,2025-04-08,740784,31136,709648,1.0,76.6,12.3,5.5,5.6,VNQ:27.9%;XLF:16.3%;GLD:27.9%;VOO:27.9%,US:62.8;EU:17.0;APAC:12.8;EM:5.5;Other:1.9,Value:+0.4;Growth:-0.5;Quality:+0.8;Size:+0.7;Momentum:+0.2;LowVol:+0.4,MaxPos5%,5,25,6.2,trailing 7%,263,23.8,Bull,14.2,4.15,2.2,100,84,96,47,false,Rebalance,Shift +1% to bonds from equity,-12,5,BrokerC,LMT,88,None,None,Normal monitoring,57,-54,192,5,false,Tax-aware sells next window
P4251,Cautious,IRA,USD,2025-11-09,579318,81400,497918,1.0,46.9,32.8,6.4,13.9,TLT:24.1%;XLF:8.4%;BRK.B:8.8%;MSFT:24.1%;VOO:24.1%;MUB:10.6%,US:74.0;EU:7.1;APAC:8.2;EM:7.4;Other:3.4,Value:+0.4;Growth:-0.7;Quality:+0.6;Size:-0.1;Momentum:+0.3;LowVol:+0.5,NoMargin,5,25,3.7,trailing 10%,160,19.0,Bull,11.5,3.57,3.1,101,3,54,41,false,Sell,Trim extended winner -1%,11,-21,BrokerD,LMT,94,None,None,Normal monitoring,43,15,58,5,false,Tax-aware sells next window
P4252,Opportunistic,Trust,USD,2025-09-20,1086745,71458,1015287,1.0,75.6,11.2,7.5,5.7,TSLA:24.5%;BRK.B:25.2%;AAPL:25.2%;VNQ:25.2%,US:64.6;EU:16.9;APAC:9.2;EM:9.2;Other:0.0,Value:-0.8;Growth:-0.8;Quality:-0.9;Size:-0.9;Momentum:+0.8;LowVol:-0.3,,5,35,6.3,trailing 9%,185,34.0,Sideways,20.7,4.98,3.4,121,-12,55,57,false,Buy,Add to core equity +1%,-12,-38,BrokerD,LMT,96,None,None,Normal monitoring,108,17,220,5,false,Within IPS guidelines
P4253,Opportunistic,Roth,USD,2025-12-18,652053,30713,621340,1.0,61.1,20.2,13.1,5.6,HYG:28.2%;TLT:28.2%;VNQ:28.2%;BND:15.4%,US:66.3;EU:14.2;APAC:10.7;EM:5.2;Other:3.6,Value:+0.9;Growth:-0.5;Quality:+0.1;Size:+0.6;Momentum:+0.1;LowVol:+0.8,,6,35,4.3,trailing 7%,248,30.2,Sideways,21.8,4.24,2.9,96,18,72,64,false,Sell,Trim extended winner -1%,0,-10,BrokerD,MKT,88,None,None,Normal monitoring,13,-41,14,5,false,Tighten stops on momentum names
P4254,Systematic,401k,USD,2024-10-26,1201464,73573,1127891,1.0,58.6,32.2,0.0,9.2,BRK.B:33.3%;AAPL:33.3%;AMZN:33.3%,US:71.4;EU:11.5;APAC:5.5;EM:6.9;Other:4.7,Value:+0.3;Growth:-0.2;Quality:+0.2;Size:-0.7;Momentum:-0.6;LowVol:-1.0,MaxPos8%;NoDerivatives,8,30,4.1,hard 12%,197,19.4,Volatile,28.4,3.61,4.1,136,-12,59,78,true,Hedge,Buy index puts 1% notional,-1,-32,BrokerA,LMT,91,Drift>tolerance,Reduce,Allocation drift beyond policy bands,3,-9,21,3,false,Monitor dispersion and breadth
P4255,Hands-off,Taxable,USD,2025-08-28,240188,17898,222290,1.0,63.1,21.9,8.3,6.8,HYG:20.8%;MUB:26.4%;AMZN:26.4%;BRK.B:26.4%,US:60.9;EU:15.0;APAC:13.1;EM:10.9;Other:0.1,Value:-0.3;Growth:+0.1;Quality:-0.3;Size:+0.2;Momentum:-0.1;LowVol:+0.1,ESGOnly;MaxPos5%,8,25,3.6,trailing 10%,165,13.3,Bear,31.2,3.84,2.4,168,32,60,72,true,Hedge,Buy index puts 1% notional,-15,-25,BrokerC,LMT,99,VAR>budget,Reduce,Risk above budget threshold,9,-56,59,2,false,Tax-aware sells next window
P4256,Cautious,Taxable,USD,2024-11-26,507177,68519,438658,1.0,50.7,32.8,1.3,15.2,TLT:27.0%;IEF:14.4%;BRK.B:17.1%;MUB:27.0%;QQQ:14.4%,US:73.2;EU:14.1;APAC:7.7;EM:3.6;Other:1.4,Value:-0.3;Growth:+0.1;Quality:+0.2;Size:-0.1;Momentum:-0.8;LowVol:+0.9,MaxPos7%;NoMargin,10,30,5.0,trailing 8%,105,16.6,Volatile,29.3,4.65,2.8,124,6,56,72,true,Reduce,"Cut high-beta by 2-3%, add cash",19,-23,BrokerC,LMT,97,Drift>tolerance,Reduce,Allocation drift beyond policy bands,74,-29,166,2,false,Tax-aware sells next window
P4257,Opportunistic,Taxable,USD,2025-10-13,839868,36343,803525,1.22,63.6,19.1,9.4,7.8,MUB:22.2%;GLD:22.2%;IEF:22.2%;HYG:13.6%;QQQ:19.8%,US:64.5;EU:17.5;APAC:8.9;EM:6.5;Other:2.5,Value:-0.4;Growth:+0.2;Quality:-0.8;Size:+0.4;Momentum:0.0;LowVol:+0.8,MaxPos5%,7,30,6.5,trailing 7%,267,31.0,Volatile,28.9,3.55,3.7,132,32,77,71,true,Hedge,Buy index puts 1% notional,-10,-33,BrokerB,LMT,88,RegimeShift,Reduce,Volatility spike and breadth deterioration,-27,5,63,2,false,Tax-aware sells next window
P4258,Active,Taxable,USD,2025-08-08,2418522,165831,2252691,1.0,67.1,26.3,0.0,6.6,IEF:22.3%;HYG:14.4%;BRK.B:18.8%;MUB:22.3%;AMZN:22.3%,US:68.4;EU:12.0;APAC:7.5;EM:8.4;Other:3.7,Value:-0.9;Growth:-0.8;Quality:-0.8;Size:+0.6;Momentum:-0.2;LowVol:+0.4,MaxPos6%;NoDerivatives,5,35,5.9,hard 12%,219,20.3,Bull,11.7,4.01,2.3,76,65,77,44,false,Buy,Add to core equity +1%,4,-37,BrokerA,LMT,96,None,None,Normal monitoring,99,3,175,3,false,Increase defensive factor exposure
P4259,Cautious,401k,USD,2025-01-25,866779,93854,772925,1.0,40.5,37.0,6.0,16.5,VOO:33.3%;VTI:33.3%;VNQ:33.3%,US:70.0;EU:8.8;APAC:9.6;EM:8.0;Other:3.6,Value:+0.9;Growth:+0.1;Quality:-0.8;Size:+1.0;Momentum:-0.9;LowVol:-0.9,ESGOnly;NoMargin,7,30,3.5,hard 10%,168,16.1,Bull,14.1,4.46,3.2,98,58,85,32,false,NoAction,Within bands; monitor,11,14,BrokerC,MKT,0,None,None,Normal monitoring,81,-23,158,3,false,Tighten stops on momentum names
P4260,Cautious,Trust,USD,2025-01-26,426208,60238,365970,1.0,50.3,37.7,1.0,11.0,BRK.B:33.3%;TSLA:33.3%;VNQ:33.3%,US:69.5;EU:6.7;APAC:13.7;EM:7.6;Other:2.4,Value:+0.2;Growth:-0.4;Quality:+0.8;Size:+0.8;Momentum:-0.9;LowVol:-0.0,MaxPos6%;NoDerivatives;NoMargin,7,30,4.5,trailing 8%,101,14.3,Volatile,23.8,4.79,3.2,159,52,78,67,false,Hedge,Add TLT +1% as duration hedge,-5,-39,BrokerC,MKT,98,None,None,Normal monitoring,47,9,143,5,false,Within IPS guidelines
P4261,Active,Roth,USD,2025-11-17,1433293,122572,1310721,1.0,62.0,28.0,3.0,7.0,QQQ:11.5%;BRK.B:9.8%;VNQ:26.2%;VOO:26.2%;TLT:26.2%,US:66.7;EU:8.7;APAC:9.9;EM:12.6;Other:2.2,Value:-0.8;Growth:+0.5;Quality:+0.9;Size:-0.9;Momentum:+0.4;LowVol:0.0,MaxPos7%;NoDerivatives,10,25,4.1,trailing 9%,177,24.8,Bull,13.0,3.99,2.9,93,78,100,49,true,Reduce,"Cut high-beta by 2-3%, add cash",16,-13,BrokerD,LMT,85,VAR>budget,TightenStops,Risk above budget threshold,51,-53,93,3,false,Increase defensive factor exposure
P4262,Cautious,Roth,USD,2025-11-01,358679,44777,313902,1.0,40.7,40.6,1.7,17.0,BRK.B:13.0%;XLF:24.0%;AMZN:17.8%;TLT:24.0%;AAPL:21.2%,US:62.2;EU:19.0;APAC:10.3;EM:4.2;Other:4.3,Value:+0.4;Growth:+0.7;Quality:-0.1;Size:-0.5;Momentum:+0.4;LowVol:+0.1,ESGOnly;NoMargin,6,35,5.9,trailing 8%,105,18.8,Bear,24.2,4.36,3.0,184,-10,50,62,false,Hedge,Add TLT +1% as duration hedge,13,-6,BrokerA,MKT,86,None,None,Normal monitoring,43,-42,92,3,false,Tax-aware sells next window
P4263,Opportunistic,401k,USD,2025-03-28,1445213,50703,1394510,1.0,73.6,13.9,6.2,6.4,AAPL:27.1%;VOO:27.1%;TLT:27.1%;VNQ:18.8%,US:70.1;EU:10.8;APAC:7.8;EM:11.0;Other:0.3,Value:-0.2;Growth:+0.1;Quality:+0.1;Size:+0.9;Momentum:-0.7;LowVol:-0.8,MaxPos7%,10,25,5.7,hard 12%,230,20.8,Volatile,22.2,4.91,2.1,142,47,86,65,false,Rebalance,Shift +1% to bonds from equity,7,15,BrokerD,MKT,95,None,None,Normal monitoring,59,-26,67,3,false,Monitor dispersion and breadth
P4264,Hands-off,Roth,USD,2025-07-10,252671,24558,228113,1.0,57.4,22.5,11.9,8.3,HYG:17.8%;AAPL:18.3%;MUB:7.1%;VTI:19.4%;VOO:20.2%;VNQ:17.3%,US:62.6;EU:12.3;APAC:13.8;EM:7.2;Other:4.1,Value:+0.1;Growth:+0.8;Quality:-0.4;Size:+0.3;Momentum:+0.8;LowVol:-0.8,ESGOnly,10,35,4.5,hard 10%,111,15.7,Bear,33.8,3.77,1.5,146,-47,26,86,true,Hedge,Buy index puts 1% notional,-13,-18,BrokerD,MKT,87,VAR>budget,Reduce,Risk above budget threshold,-38,-25,5,2,false,Increase defensive factor exposure
P4265,Opportunistic,Trust,USD,2025-07-18,521642,19553,502089,1.0,75.1,12.4,7.2,5.3,HYG:31.4%;QQQ:34.3%;MSFT:34.3%,US:62.3;EU:13.5;APAC:11.8;EM:9.9;Other:2.5,Value:-0.3;Growth:-0.8;Quality:+0.8;Size:+0.7;Momentum:-0.2;LowVol:-0.7,MaxPos8%,10,30,6.3,hard 12%,258,24.0,Bull,12.2,4.68,3.1,89,111,92,47,true,Reduce,"Cut high-beta by 2-3%, add cash",2,14,BrokerB,LMT,100,RegimeShift,Reduce,Volatility spike and breadth deterioration,-23,-25,46,4,false,Within IPS guidelines
P4266,Active,IRA,USD,2024-08-19,1352343,92042,1260301,1.2,54.3,26.6,12.9,6.3,IEF:13.0%;BRK.B:17.4%;BND:16.9%;TLT:14.3%;HYG:16.0%;VNQ:22.4%,US:74.1;EU:5.7;APAC:9.4;EM:10.1;Other:0.8,Value:+0.2;Growth:-0.9;Quality:-0.5;Size:-0.1;Momentum:+0.4;LowVol:-0.9,NoDerivatives,7,35,4.5,trailing 8%,213,25.9,Volatile,20.6,4.41,4.2,115,32,80,54,false,Rebalance,Shift +1% to bonds from equity,13,4,BrokerB,VWAP,93,None,None,Normal monitoring,104,-34,191,4,false,Monitor dispersion and breadth
P4267,Hands-off,Taxable,USD,2025-04-15,411327,30118,381209,1.0,62.8,18.0,9.7,9.5,IEF:27.4%;QQQ:27.4%;GLD:27.4%;TLT:17.8%,US:65.5;EU:9.7;APAC:13.4;EM:10.8;Other:0.7,Value:-1.0;Growth:-0.7;Quality:-0.4;Size:-0.8;Momentum:+0.5;LowVol:-0.3,MaxPos7%,8,35,4.4,trailing 10%,92,15.0,Bull,13.5,3.97,2.9,110,41,83,39,false,Rebalance,Shift +1% to bonds from equity,-7,-3,BrokerC,MKT,100,None,None,Normal monitoring,10,-9,14,3,false,Tighten stops on momentum names
P4268,Active,Taxable,USD,2025-03-31,2435753,160047,2275706,1.0,64.0,29.7,0.0,6.2,XLF:33.3%;AMZN:33.3%;TSLA:33.3%,US:72.9;EU:9.5;APAC:6.3;EM:10.4;Other:1.0,Value:-0.2;Growth:+0.3;Quality:+0.9;Size:-0.6;Momentum:+0.3;LowVol:-0.8,,8,30,5.5,trailing 9%,123,17.0,Bull,13.5,4.36,2.3,74,21,62,45,false,Rebalance,Shift +1% to bonds from equity,-3,-25,BrokerB,MKT,86,None,None,Normal monitoring,-7,-34,61,4,false,Monitor dispersion and breadth
P4269,Cautious,Roth,USD,2025-05-05,352409,30646,321763,1.0,48.1,38.6,0.0,13.3,TLT:35.4%;QQQ:29.1%;HYG:35.4%,US:64.2;EU:12.9;APAC:9.9;EM:10.1;Other:2.9,Value:-0.4;Growth:-0.6;Quality:-0.3;Size:+0.6;Momentum:+0.7;LowVol:-0.5,ESGOnly;NoMargin,10,35,4.7,trailing 8%,139,14.6,Bull,14.5,4.09,3.1,103,119,95,46,false,Sell,Trim extended winner -1%,35,5,BrokerB,LMT,95,None,None,Normal monitoring,94,-35,217,5,false,Tax-aware sells next window
P4270,Cautious,IRA,USD,2025-07-05,466175,37937,428238,1.0,39.2,33.3,16.5,11.0,AMZN:22.1%;VNQ:13.0%;VOO:20.6%;GLD:22.1%;BND:22.1%,US:64.8;EU:11.7;APAC:7.6;EM:11.3;Other:4.7,Value:-0.7;Growth:+0.6;Quality:+0.8;Size:0.0;Momentum:+0.7;LowVol:+0.5,ESGOnly;NoMargin,7,35,5.2,hard 10%,110,13.6,Bear,30.2,4.04,2.1,163,20,68,57,true,Reduce,"Cut high-beta by 2-3%, add cash",5,-7,BrokerA,LMT,94,RegimeShift,Hedge,Volatility spike and breadth deterioration,76,-40,36,5,false,Tax-aware sells next window
P4271,Opportunistic,401k,USD,2025-01-19,542732,39640,503092,1.13,62.5,11.4,21.3,4.9,BND:27.4%;QQQ:26.8%;BRK.B:18.4%;IEF:27.4%,US:68.4;EU:11.0;APAC:11.4;EM:4.8;Other:4.5,Value:+0.7;Growth:0.0;Quality:-0.4;Size:-0.1;Momentum:-0.4;LowVol:+0.2,MaxPos8%;NoDerivatives,6,30,4.3,trailing 9%,179,29.4,Bull,15.9,3.65,3.5,114,69,93,53,false,NoAction,Within bands; monitor,-8,-21,BrokerB,MKT,0,None,None,Normal monitoring,110,-40,113,3,false,Within IPS guidelines
P4272,Cautious,Trust,USD,2024-08-31,772669,76945,695724,1.0,38.1,33.9,10.1,18.0,AAPL:19.1%;MUB:22.5%;TLT:13.5%;XLF:22.4%;IEF:22.5%,US:63.3;EU:17.0;APAC:11.0;EM:7.7;Other:1.0,Value:-0.8;Growth:+0.6;Quality:0.0;Size:+0.2;Momentum:-0.2;LowVol:-0.3,NoDerivatives;NoMargin,6,35,5.2,hard 10%,170,17.9,Bull,12.3,4.97,3.3,111,39,55,31,false,Rebalance,Shift +1% to bonds from equity,35,-37,BrokerB,MKT,100,None,None,Normal monitoring,-37,-32,-5,5,false,Within IPS guidelines
P4273,Hands-off,Taxable,USD,2025-09-18,229782,17407,212375,1.0,71.4,19.6,0.0,9.1,AAPL:27.9%;BRK.B:24.4%;GLD:27.9%;MUB:19.7%,US:67.3;EU:10.4;APAC:9.0;EM:10.8;Other:2.4,Value:+0.2;Growth:-0.3;Quality:-0.7;Size:-0.4;Momentum:-0.6;LowVol:-0.6,ESGOnly;NoDerivatives,5,25,5.5,trailing 10%,130,18.3,Bear,23.7,3.68,2.2,150,17,61,78,true,Rebalance,Rebalance back to target bands,1,-12,BrokerA,LMT,93,Drift>tolerance,Pause,Allocation drift beyond policy bands,80,-43,147,4,false,Tighten stops on momentum names
P4274,Opportunistic,Taxable,USD,2025-12-08,1789421,104463,1684958,1.0,68.9,13.3,9.1,8.6,AMZN:33.3%;VTI:33.3%;TSLA:33.3%,US:63.7;EU:20.1;APAC:7.3;EM:6.6;Other:2.2,Value:+0.7;Growth:-0.2;Quality:-0.8;Size:-0.5;Momentum:-0.2;LowVol:+0.2,MaxPos5%,5,30,4.6,trailing 7%,228,31.6,Bear,28.1,3.13,1.5,132,32,54,80,true,Rebalance,Rebalance back to target bands,-3,-31,BrokerA,LMT,90,VAR>budget,Hedge,Risk above budget threshold,118,16,81,3,false,Monitor dispersion and breadth
P4275,Opportunistic,Trust,USD,2025-01-11,1557263,124982,1432281,1.0,71.0,14.4,6.2,8.4,IEF:24.6%;XLF:18.0%;TLT:15.3%;MSFT:24.6%;HYG:17.6%,US:77.8;EU:6.2;APAC:9.8;EM:6.0;Other:0.2,Value:+0.9;Growth:-1.0;Quality:+0.1;Size:-0.3;Momentum:-0.3;LowVol:+0.7,,8,30,4.1,trailing 9%,213,27.1,Volatile,24.5,4.52,2.9,166,42,78,69,false,Sell,Trim extended winner -1%,-7,4,BrokerB,MKT,85,None,None,Normal monitoring,46,-28,103,3,false,Increase defensive factor exposure
P4276,Active,401k,USD,2024-09-30,1620812,111258,1509554,1.0,54.5,23.3,15.5,6.7,GLD:22.6%;QQQ:11.7%;AMZN:16.6%;BND:12.2%;VOO:22.6%;XLF:14.3%,US:69.9;EU:11.9;APAC:10.8;EM:5.6;Other:1.9,Value:-0.3;Growth:-0.7;Quality:-0.8;Size:-0.8;Momentum:+0.4;LowVol:-0.3,MaxPos8%,6,25,5.2,hard 12%,176,20.0,Bear,33.1,3.95,2.3,203,-82,22,81,true,Rebalance,Rebalance back to target bands,5,-11,BrokerA,MKT,95,RegimeShift,Reduce,Volatility spike and breadth deterioration,112,16,99,5,false,Increase defensive factor exposure
P4277,Opportunistic,Roth,USD,2025-10-18,1145937,39021,1106916,1.0,67.4,15.2,10.3,7.1,BRK.B:23.3%;VNQ:15.3%;AAPL:14.5%;AMZN:8.1%;TLT:23.3%;VTI:15.5%,US:68.1;EU:17.3;APAC:5.7;EM:8.3;Other:0.6,Value:-0.5;Growth:-1.0;Quality:-0.8;Size:+0.3;Momentum:+0.3;LowVol:0.0,,8,25,6.6,hard 12%,213,20.1,Bull,11.7,4.94,3.2,96,11,49,39,false,Sell,Trim extended winner -1%,30,-23,BrokerA,MKT,91,None,None,Normal monitoring,29,-28,82,4,false,Within IPS guidelines
P4278,Opportunistic,Taxable,USD,2025-02-18,1560299,130374,1429925,1.0,69.3,15.0,11.5,4.3,XLF:22.3%;AAPL:22.3%;TLT:19.4%;TSLA:13.6%;AMZN:22.3%,US:77.5;EU:5.9;APAC:8.6;EM:5.1;Other:2.9,Value:-0.9;Growth:-0.6;Quality:-0.7;Size:+0.2;Momentum:+0.3;LowVol:-0.4,NoDerivatives,5,35,4.8,trailing 7%,257,28.9,Bear,27.8,4.47,2.2,146,-63,11,81,true,Hedge,Buy index puts 1% notional,19,4,BrokerA,LMT,90,Drift>tolerance,Reduce,Allocation drift beyond policy bands,84,-45,117,5,false,Within IPS guidelines
P4279,Cautious,Roth,USD,2025-04-06,800693,104208,696485,1.0,46.9,42.2,0.0,10.9,BND:33.5%;QQQ:33.0%;AMZN:33.5%,US:70.7;EU:11.4;APAC:7.6;EM:7.8;Other:2.5,Value:-1.0;Growth:-0.0;Quality:-1.0;Size:+0.3;Momentum:+0.3;LowVol:-0.3,MaxPos5%;NoMargin,8,35,3.8,trailing 10%,167,17.7,Volatile,20.2,4.77,3.0,114,80,98,48,false,Rebalance,Shift +1% to bonds from equity,23,7,BrokerA,MKT,91,None,None,Normal monitoring,6,18,-14,4,false,Tax-aware sells next window
P4280,Hands-off,IRA,USD,2024-08-05,165095,10752,154343,1.0,67.1,25.0,0.0,7.8,GLD:26.6%;QQQ:26.6%;HYG:26.6%;XLF:20.1%,US:71.0;EU:6.6;APAC:12.0;EM:8.5;Other:1.8,Value:+0.8;Growth:+0.5;Quality:-0.9;Size:-0.4;Momentum:+0.7;LowVol:+0.4,ESGOnly;MaxPos8%,5,25,5.1,hard 10%,158,14.7,Volatile,26.5,4.19,4.1,110,-46,38,78,true,Reduce,"Cut high-beta by 2-3%, add cash",13,-27,BrokerD,MKT,91,Drift>tolerance,Hedge,Allocation drift beyond policy bands,38,7,8,2,false,Tighten stops on momentum names
P4281,Hands-off,401k,USD,2024-09-08,782577,70576,712001,1.0,64.9,22.5,6.4,6.2,MUB:25.8%;XLF:22.7%;GLD:25.8%;HYG:25.8%,US:73.9;EU:8.3;APAC:11.8;EM:5.3;Other:0.7,Value:+0.8;Growth:+0.3;Quality:-0.3;Size:-0.2;Momentum:+0.7;LowVol:-0.4,MaxPos6%;NoDerivatives,10,25,4.7,trailing 8%,149,12.0,Volatile,24.5,5.09,3.2,146,57,81,58,false,Rebalance,Shift +1% to bonds from equity,24,13,BrokerD,MKT,90,None,None,Normal monitoring,-34,-16,92,5,false,Increase defensive factor exposure
P4282,Cautious,Taxable,USD,2024-09-13,272961,26182,246779,1.0,48.2,35.5,4.0,12.3,VNQ:20.8%;BRK.B:19.0%;TLT:7.3%;MSFT:20.3%;VTI:20.8%;TSLA:11.8%,US:67.3;EU:7.8;APAC:13.2;EM:10.4;Other:1.4,Value:-0.0;Growth:+0.7;Quality:-0.5;Size:-0.9;Momentum:-0.4;LowVol:-0.5,ESGOnly;NoDerivatives;NoMargin,8,25,4.1,hard 10%,157,14.3,Bull,14.1,4.53,2.7,119,48,83,29,false,Sell,Trim extended winner -1%,32,6,BrokerD,MKT,96,None,None,Normal monitoring,75,-21,108,3,false,Within IPS guidelines
P4283,Systematic,Trust,USD,2025-04-12,418565,26640,391925,1.0,57.7,33.1,0.0,9.2,HYG:26.3%;VNQ:21.1%;TSLA:26.3%;MUB:26.3%,US:57.7;EU:15.4;APAC:11.1;EM:12.6;Other:3.2,Value:-0.0;Growth:-0.3;Quality:+0.7;Size:-0.0;Momentum:+0.5;LowVol:-0.8,,8,30,4.8,trailing 8%,202,20.1,Bull,11.4,3.86,3.1,107,25,61,38,false,Buy,Add to core equity +1%,-2,-31,BrokerA,VWAP,95,None,None,Normal monitoring,0,-57,-27,4,false,Tighten stops on momentum names
P4284,Cautious,Roth,USD,2025-03-15,494262,72607,421655,1.0,37.3,39.3,12.0,11.3,HYG:15.7%;TSLA:23.5%;TLT:24.6%;VOO:11.8%;AMZN:24.6%,US:68.2;EU:6.1;APAC:13.9;EM:9.0;Other:2.8,Value:-0.0;Growth:0.0;Quality:-0.0;Size:-1.0;Momentum:-0.9;LowVol:+0.8,NoDerivatives;NoMargin,6,25,5.6,trailing 8%,134,17.2,Sideways,20.0,4.7,2.3,103,-20,54,42,false,Rebalance,Shift +1% to bonds from equity,1,-17,BrokerC,MKT,95,None,None,Normal monitoring,61,-28,161,5,false,Monitor dispersion and breadth
P4285,Systematic,Taxable,USD,2025-02-10,697215,62633,634582,1.0,58.8,21.1,12.7,7.5,VOO:30.2%;XLF:30.2%;VNQ:20.3%;BND:19.4%,US:70.6;EU:9.2;APAC:6.7;EM:7.9;Other:5.5,Value:-0.2;Growth:-0.6;Quality:+0.9;Size:-0.2;Momentum:-0.3;LowVol:+0.1,,6,35,4.1,hard 12%,162,17.1,Volatile,22.1,4.17,2.6,125,9,48,61,false,Rebalance,Shift +1% to bonds from equity,13,-12,BrokerC,LMT,93,None,None,Normal monitoring,32,-41,83,4,false,Monitor dispersion and breadth
P4286,Hands-off,401k,USD,2025-05-02,569422,27326,542096,1.0,70.0,18.4,2.9,8.7,VTI:23.1%;TSLA:19.7%;MUB:23.1%;IEF:23.1%;HYG:10.9%,US:65.6;EU:12.7;APAC:12.4;EM:7.8;Other:1.5,Value:+0.8;Growth:-0.8;Quality:-0.2;Size:+0.2;Momentum:-0.5;LowVol:-0.7,,8,30,3.8,trailing 8%,136,19.8,Bull,13.4,3.9,3.2,82,102,86,57,false,NoAction,Within bands; monitor,25,-29,BrokerD,MKT,0,None,None,Normal monitoring,114,-58,251,4,false,Within IPS guidelines
P4287,Cautious,Taxable,USD,2025-08-07,692297,75031,617266,1.0,48.4,37.4,0.0,14.2,IEF:22.0%;VNQ:22.0%;QQQ:16.9%;BND:17.8%;VTI:12.7%;VOO:8.7%,US:68.7;EU:16.8;APAC:5.4;EM:8.0;Other:1.1,Value:+0.6;Growth:-0.4;Quality:+0.1;Size:+0.2;Momentum:+0.9;LowVol:+0.5,ESGOnly;NoMargin,8,30,5.1,hard 10%,151,12.6,Bull,11.7,4.66,2.2,75,70,80,23,false,Hedge,Add TLT +1% as duration hedge,-6,-38,BrokerC,MKT,92,None,None,Normal monitoring,-11,-12,62,3,false,Within IPS guidelines
P4288,Active,401k,USD,2025-01-26,1601635,133580,1468055,1.0,56.7,31.8,3.8,7.6,IEF:27.6%;VOO:27.6%;QQQ:23.9%;BND:20.9%,US:62.1;EU:9.1;APAC:14.4;EM:9.6;Other:4.8,Value:-0.6;Growth:+0.6;Quality:-0.1;Size:-0.7;Momentum:-1.0;LowVol:-0.1,NoDerivatives,10,25,5.0,hard 12%,162,19.8,Volatile,23.7,5.38,3.7,140,-9,53,69,false,Buy,Add to core equity +1%,13,-8,BrokerC,VWAP,91,None,None,Normal monitoring,65,-50,134,5,false,Tax-aware sells next window
P4289,Hands-off,IRA,USD,2025-07-27,443248,31384,411864,1.0,62.0,16.3,12.3,9.4,QQQ:11.7%;XLF:11.3%;BRK.B:20.7%;VNQ:16.7%;TLT:20.7%;VTI:19.0%,US:59.0;EU:12.7;APAC:16.5;EM:10.2;Other:1.6,Value:-0.7;Growth:-0.8;Quality:+0.9;Size:-0.1;Momentum:-0.8;LowVol:+0.2,ESGOnly;MaxPos8%;NoDerivatives,8,35,3.7,trailing 8%,148,18.6,Volatile,31.8,5.45,4.3,137,22,75,72,true,Hedge,Buy index puts 1% notional,24,-32,BrokerA,MKT,98,RegimeShift,Reduce,Volatility spike and breadth deterioration,32,-39,60,2,false,Within IPS guidelines
P4290,Opportunistic,IRA,USD,2025-04-12,766601,61738,704863,1.0,70.4,10.8,14.7,4.1,BRK.B:35.7%;TSLA:28.5%;GLD:35.7%,US:65.2;EU:5.5;APAC:12.4;EM:12.1;Other:4.8,Value:+0.6;Growth:-0.3;Quality:-0.2;Size:+0.4;Momentum:-0.5;LowVol:+0.7,,5,35,4.5,trailing 9%,245,25.8,Volatile,29.2,5.11,3.3,145,-15,39,77,true,Rebalance,Rebalance back to target bands,4,15,BrokerC,MKT,92,VAR>budget,Reduce,Risk above budget threshold,97,-30,131,2,true,Monitor dispersion and breadth
P4291,Systematic,IRA,USD,2024-11-01,1899049,157373,1741676,1.0,62.2,32.3,0.0,5.5,VTI:17.6%;MSFT:12.5%;HYG:17.6%;AAPL:12.8%;BND:20.6%;TSLA:18.9%,US:76.2;EU:8.6;APAC:5.8;EM:4.6;Other:4.7,Value:+0.6;Growth:-0.1;Quality:-0.3;Size:-0.1;Momentum:+0.8;LowVol:+0.8,MaxPos5%,10,25,4.9,trailing 9%,136,19.6,Bull,16.1,4.22,2.4,94,2,53,58,false,Rebalance,Shift +1% to bonds from equity,13,-33,BrokerA,MKT,91,None,None,Normal monitoring,65,-33,174,5,false,Within IPS guidelines
P4292,Systematic,Taxable,USD,2025-06-26,1046864,44434,1002430,1.0,55.6,29.6,5.2,9.6,BND:22.3%;QQQ:12.3%;TLT:22.3%;MUB:11.9%;VTI:9.0%;TSLA:22.2%,US:72.2;EU:7.8;APAC:7.6;EM:9.0;Other:3.4,Value:-0.7;Growth:+0.4;Quality:-0.2;Size:-0.1;Momentum:+0.6;LowVol:+0.4,MaxPos6%,5,25,4.5,hard 12%,145,21.5,Bull,13.8,4.03,2.3,91,104,100,32,false,Hedge,Add TLT +1% as duration hedge,33,14,BrokerD,MKT,89,None,None,Normal monitoring,-8,12,-44,4,false,Tax-aware sells next window
P4293,Hands-off,Taxable,USD,2025-01-19,539076,39387,499689,1.0,74.7,15.5,3.4,6.4,HYG:21.9%;QQQ:20.7%;VTI:11.1%;MUB:21.9%;VOO:12.2%;BND:12.3%,US:64.7;EU:13.7;APAC:8.8;EM:12.2;Other:0.5,Value:-0.2;Growth:+0.1;Quality:+0.6;Size:-0.0;Momentum:-0.0;LowVol:-0.5,ESGOnly;NoDerivatives,6,30,4.3,trailing 10%,132,17.8,Volatile,27.0,4.6,4.1,156,-32,28,88,true,Hedge,Buy index puts 1% notional,-13,-13,BrokerA,MKT,86,RegimeShift,Reduce,Volatility spike and breadth deterioration,4,-15,-3,3,false,Within IPS guidelines
P4294,Hands-off,401k,USD,2024-11-25,394642,21557,373085,1.0,63.5,25.1,4.1,7.3,MSFT:33.3%;BND:33.3%;VOO:33.3%,US:74.7;EU:6.7;APAC:6.5;EM:7.4;Other:4.7,Value:+0.3;Growth:-0.1;Quality:+1.0;Size:0.0;Momentum:+0.9;LowVol:-0.2,ESGOnly;MaxPos6%,10,35,3.8,trailing 8%,167,15.2,Bull,16.2,4.24,2.7,76,68,93,44,false,Buy,Add to core equity +1%,4,-35,BrokerD,LMT,99,None,None,Normal monitoring,-47,-24,-44,5,false,Within IPS guidelines
P4295,Hands-off,Roth,USD,2025-04-02,541934,31692,510242,1.0,60.7,23.8,7.0,8.4,TLT:21.1%;VOO:21.1%;GLD:21.1%;BRK.B:21.1%;HYG:15.5%,US:70.0;EU:11.6;APAC:7.7;EM:9.3;Other:1.5,Value:-0.0;Growth:-0.6;Quality:+0.8;Size:-0.8;Momentum:+0.1;LowVol:+0.5,ESGOnly,8,30,4.3,trailing 8%,159,13.9,Bear,24.5,4.22,1.4,220,-9,37,63,false,Hedge,Add TLT +1% as duration hedge,27,8,BrokerB,MKT,90,None,None,Normal monitoring,74,18,127,3,false,Increase defensive factor exposure
P4296,Opportunistic,Taxable,USD,2025-11-29,351543,26589,324954,1.0,69.0,16.2,7.8,6.9,VTI:25.2%;QQQ:15.6%;TSLA:25.2%;VNQ:19.5%;VOO:14.4%,US:74.3;EU:12.5;APAC:6.4;EM:5.8;Other:1.0,Value:+0.4;Growth:-0.1;Quality:+0.7;Size:-0.8;Momentum:+0.7;LowVol:+1.0,MaxPos8%;NoDerivatives,7,25,5.2,hard 12%,171,31.6,Bear,23.8,4.31,1.6,153,-50,19,73,true,Hedge,Buy index puts 1% notional,8,-24,BrokerC,LMT,89,VAR>budget,TightenStops,Risk above budget threshold,-23,-2,108,2,true,Monitor dispersion and breadth
P4297,Opportunistic,Taxable,USD,2025-10-04,582644,40124,542520,1.0,65.0,16.0,12.1,6.9,AMZN:24.4%;TSLA:21.8%;QQQ:24.4%;MSFT:13.3%;GLD:16.1%,US:56.3;EU:18.3;APAC:9.9;EM:10.3;Other:5.2,Value:-0.8;Growth:0.0;Quality:+0.8;Size:+0.5;Momentum:+0.3;LowVol:+0.2,,10,25,4.1,trailing 9%,242,33.8,Volatile,20.3,4.11,2.4,141,44,71,65,false,Sell,Trim extended winner -1%,-13,9,BrokerA,MKT,86,None,None,Normal monitoring,-4,5,25,5,false,Increase defensive factor exposure
P4298,Hands-off,IRA,USD,2024-08-23,458857,28535,430322,1.0,64.0,20.6,5.7,9.7,MSFT:18.1%;MUB:29.7%;VNQ:22.5%;AAPL:29.7%,US:61.0;EU:16.5;APAC:12.4;EM:6.2;Other:4.0,Value:-0.2;Growth:+0.4;Quality:+0.1;Size:-0.4;Momentum:-0.7;LowVol:+0.2,ESGOnly;MaxPos8%,7,35,4.6,hard 10%,109,14.9,Sideways,20.4,4.38,2.5,112,-19,51,64,false,NoAction,Within bands; monitor,22,-2,BrokerB,MKT,0,None,None,Normal monitoring,-50,-36,-85,3,false,Tighten stops on momentum names
P4299,Hands-off,IRA,USD,2025-09-24,502772,28634,474138,1.0,65.2,27.4,0.0,7.4,BND:29.6%;XLF:17.9%;IEF:29.6%;VOO:22.8%,US:61.0;EU:13.4;APAC:9.1;EM:12.3;Other:4.3,Value:-0.6;Growth:+0.5;Quality:-0.6;Size:+0.8;Momentum:+0.4;LowVol:+0.5,MaxPos8%;NoDerivatives,6,30,4.8,hard 10%,166,15.9,Volatile,23.2,4.49,4.0,140,18,60,75,true,Rebalance,Rebalance back to target bands,19,8,BrokerA,MKT,96,RegimeShift,TightenStops,Volatility spike and breadth deterioration,95,-25,78,3,false,Tax-aware sells next window
P4300,Systematic,401k,USD,2025-08-19,768283,47361,720922,1.0,57.0,31.0,3.7,8.4,TSLA:27.9%;AMZN:27.9%;BRK.B:27.9%;GLD:16.4%,US:63.0;EU:13.8;APAC:10.0;EM:9.4;Other:3.8,Value:+0.3;Growth:-0.9;Quality:+0.7;Size:-0.3;Momentum:-0.7;LowVol:+0.6,,5,30,4.0,trailing 8%,134,21.8,Bear,24.1,3.5,1.1,151,1,45,71,true,Hedge,Buy index puts 1% notional,16,-33,BrokerA,LMT,100,VAR>budget,Hedge,Risk above budget threshold,60,-3,80,3,false,Tax-aware sells next window
P4301,Active,IRA,USD,2024-10-15,1352245,159647,1192598,1.0,60.1,25.8,6.6,7.5,HYG:19.4%;VOO:15.1%;IEF:9.8%;BND:14.0%;XLF:21.4%;VTI:20.2%,US:59.6;EU:15.1;APAC:14.1;EM:8.9;Other:2.3,Value:-0.3;Growth:-0.1;Quality:-0.9;Size:-0.5;Momentum:-0.9;LowVol:-0.1,NoDerivatives,10,35,4.2,trailing 8%,140,16.1,Volatile,30.6,4.81,2.4,154,-22,52,86,true,Hedge,Buy index puts 1% notional,-8,-26,BrokerD,MKT,87,VAR>budget,Pause,Risk above budget threshold,29,17,169,3,false,Tighten stops on momentum names
P4302,Hands-off,Roth,USD,2025-06-05,187985,12781,175204,1.0,72.3,18.4,4.2,5.1,AAPL:29.1%;TLT:29.1%;VNQ:16.6%;MSFT:25.2%,US:73.9;EU:11.6;APAC:6.4;EM:3.9;Other:4.1,Value:-0.6;Growth:+0.7;Quality:+0.7;Size:+0.3;Momentum:+0.6;LowVol:+0.7,,5,30,5.4,trailing 8%,170,15.0,Volatile,20.4,4.33,3.9,113,-2,34,72,true,Reduce,"Cut high-beta by 2-3%, add cash",25,-1,BrokerA,LMT,87,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-41,-45,-15,2,false,Within IPS guidelines
P4303,Systematic,401k,USD,2024-07-30,1476759,98159,1378600,1.0,62.0,26.5,5.5,6.0,MUB:33.3%;MSFT:33.3%;AMZN:33.3%,US:60.9;EU:17.7;APAC:14.3;EM:7.0;Other:0.1,Value:-0.2;Growth:-0.4;Quality:+0.9;Size:+0.5;Momentum:-0.5;LowVol:+0.7,MaxPos7%,5,25,4.8,trailing 8%,206,23.4,Volatile,30.2,5.01,3.2,174,66,78,73,true,Reduce,"Cut high-beta by 2-3%, add cash",27,-2,BrokerA,LMT,96,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-43,-40,-10,2,true,Monitor dispersion and breadth
P4304,Systematic,401k,USD,2025-02-03,482388,31203,451185,1.0,64.5,28.3,0.0,7.2,AAPL:7.5%;VNQ:16.2%;AMZN:21.7%;BRK.B:21.7%;XLF:21.7%;IEF:11.2%,US:53.1;EU:18.5;APAC:11.5;EM:12.0;Other:4.9,Value:-0.6;Growth:+0.8;Quality:+0.4;Size:-0.4;Momentum:+0.8;LowVol:+0.3,,5,25,4.3,trailing 9%,181,26.4,Bear,34.3,3.15,1.3,197,8,47,90,true,Rebalance,Rebalance back to target bands,34,-27,BrokerD,LMT,86,Drift>tolerance,Hedge,Allocation drift beyond policy bands,55,18,72,3,false,Within IPS guidelines
P4305,Hands-off,Trust,USD,2025-08-01,202018,15551,186467,1.0,68.7,22.4,0.0,8.9,XLF:16.4%;BRK.B:28.1%;VOO:28.1%;VNQ:27.3%,US:67.7;EU:12.7;APAC:11.5;EM:6.9;Other:1.2,Value:-0.6;Growth:-0.3;Quality:+0.4;Size:-0.8;Momentum:-0.6;LowVol:+0.2,ESGOnly;MaxPos7%;NoDerivatives,7,30,5.2,trailing 8%,122,13.4,Bull,15.5,4.77,3.3,82,81,100,58,false,Rebalance,Shift +1% to bonds from equity,-14,-22,BrokerD,LMT,96,None,None,Normal monitoring,-5,-46,0,5,false,Tighten stops on momentum names
P4306,Cautious,IRA,USD,2025-03-29,290215,27034,263181,1.0,40.5,35.6,9.6,14.3,TLT:9.8%;IEF:20.5%;VTI:20.5%;VNQ:20.5%;XLF:11.0%;AAPL:17.7%,US:64.7;EU:9.6;APAC:6.5;EM:13.9;Other:5.1,Value:+0.7;Growth:-0.2;Quality:-0.5;Size:+0.4;Momentum:+0.6;LowVol:+0.6,ESGOnly;NoMargin,8,30,5.6,trailing 8%,122,17.9,Bear,32.8,4.13,2.4,204,14,71,75,true,Reduce,"Cut high-beta by 2-3%, add cash",1,-20,BrokerD,LMT,94,VAR>budget,Hedge,Risk above budget threshold,30,-14,164,4,false,Tighten stops on momentum names
P4307,Systematic,IRA,USD,2025-10-04,1203747,92613,1111134,1.0,69.1,23.1,0.2,7.6,BRK.B:25.4%;MUB:25.4%;XLF:23.7%;VOO:25.4%,US:69.8;EU:10.0;APAC:9.7;EM:5.5;Other:5.0,Value:+0.3;Growth:+0.4;Quality:-0.6;Size:-0.4;Momentum:-0.5;LowVol:-0.3,,8,35,5.9,hard 12%,188,17.0,Bull,11.8,4.05,3.1,105,115,100,44,true,Hedge,Buy index puts 1% notional,0,15,BrokerC,LMT,85,RegimeShift,Hedge,Volatility spike and breadth deterioration,16,-60,135,4,false,Increase defensive factor exposure
P4308,Systematic,Taxable,USD,2024-09-18,1559393,63530,1495863,1.0,68.5,21.5,1.7,8.4,VNQ:36.8%;BND:26.5%;VTI:36.8%,US:67.2;EU:14.7;APAC:10.1;EM:7.6;Other:0.3,Value:+0.1;Growth:+0.2;Quality:+0.3;Size:-0.1;Momentum:+0.9;LowVol:-0.6,NoDerivatives,8,30,4.9,hard 12%,159,18.5,Bear,32.5,4.33,1.7,183,38,64,81,true,Hedge,Buy index puts 1% notional,-14,-23,BrokerA,MKT,99,VAR>budget,Pause,Risk above budget threshold,-50,4,49,3,false,Tighten stops on momentum names
P4309,Cautious,401k,USD,2025-10-25,878486,98374,780112,1.0,35.7,37.4,11.7,15.1,XLF:19.2%;QQQ:12.9%;BRK.B:22.9%;MSFT:22.0%;GLD:22.9%,US:55.4;EU:20.1;APAC:9.8;EM:10.5;Other:4.1,Value:-0.5;Growth:+0.6;Quality:+0.7;Size:-0.8;Momentum:+0.8;LowVol:-0.7,MaxPos7%;NoMargin,8,30,6.0,hard 10%,170,17.7,Bull,17.4,4.49,2.1,93,56,82,39,false,Hedge,Add TLT +1% as duration hedge,-12,-4,BrokerC,VWAP,88,None,None,Normal monitoring,108,-33,175,5,false,Increase defensive factor exposure
P4310,Hands-off,IRA,USD,2025-06-13,340019,17677,322342,1.0,55.1,20.8,16.5,7.7,AMZN:25.4%;TLT:26.9%;IEF:20.8%;MSFT:26.9%,US:59.9;EU:20.5;APAC:8.4;EM:6.1;Other:5.1,Value:-0.5;Growth:-0.3;Quality:-1.0;Size:+0.6;Momentum:+0.2;LowVol:-0.1,ESGOnly;MaxPos6%,6,25,3.5,trailing 8%,159,13.2,Bull,16.4,4.65,2.2,85,60,79,42,false,Rebalance,Shift +1% to bonds from equity,-6,-36,BrokerC,MKT,90,None,None,Normal monitoring,-49,-14,82,3,false,Tax-aware sells next window
P4311,Systematic,401k,USD,2024-12-22,834577,37119,797458,1.0,63.5,31.2,0.0,5.2,AMZN:21.8%;TSLA:10.5%;TLT:22.6%;MSFT:22.6%;HYG:22.6%,US:69.7;EU:13.0;APAC:12.2;EM:2.8;Other:2.3,Value:+0.4;Growth:0.0;Quality:+0.9;Size:-0.5;Momentum:+0.2;LowVol:+0.8,MaxPos8%;NoDerivatives,6,35,4.4,trailing 8%,174,19.1,Bull,13.1,4.89,3.4,101,120,100,39,false,Sell,Trim extended winner -1%,33,-15,BrokerB,MKT,95,None,None,Normal monitoring,5,-46,33,3,false,Tighten stops on momentum names
P4312,Opportunistic,IRA,USD,2024-07-27,431771,33651,398120,1.0,70.3,14.8,10.0,4.9,QQQ:18.2%;VTI:24.1%;VNQ:18.1%;AAPL:15.4%;GLD:24.1%,US:66.4;EU:16.2;APAC:10.3;EM:5.1;Other:2.0,Value:-0.4;Growth:-0.2;Quality:0.0;Size:-0.4;Momentum:-0.4;LowVol:+0.7,,8,35,5.9,hard 12%,187,33.9,Bull,13.0,4.33,3.5,101,62,80,50,true,Hedge,Buy index puts 1% notional,31,-35,BrokerB,LMT,99,VAR>budget,Hedge,Risk above budget threshold,17,-28,38,5,false,Monitor dispersion and breadth
P4313,Hands-off,IRA,USD,2024-08-25,666087,26917,639170,1.0,66.9,24.7,2.8,5.6,AMZN:14.8%;HYG:15.4%;BND:24.3%;QQQ:24.3%;GLD:21.3%,US:66.7;EU:16.7;APAC:4.9;EM:7.0;Other:4.7,Value:+0.5;Growth:+0.9;Quality:+0.1;Size:-1.0;Momentum:+0.8;LowVol:+0.1,ESGOnly;NoDerivatives,7,35,3.7,hard 10%,153,19.7,Sideways,19.0,4.91,2.7,111,-28,50,58,true,Hedge,Buy index puts 1% notional,19,7,BrokerB,LMT,98,Drift>tolerance,Hedge,Allocation drift beyond policy bands,71,2,192,4,false,Monitor dispersion and breadth
P4314,Opportunistic,Taxable,USD,2024-12-01,919806,56348,863458,1.0,65.9,18.4,6.8,8.9,IEF:21.4%;BRK.B:22.7%;QQQ:18.8%;VOO:14.3%;TSLA:22.7%,US:70.9;EU:7.5;APAC:11.2;EM:10.1;Other:0.3,Value:-0.7;Growth:-0.5;Quality:+0.5;Size:-0.6;Momentum:-0.5;LowVol:+0.2,,7,30,5.9,hard 12%,201,34.6,Bear,23.9,3.34,1.9,173,4,63,57,false,Rebalance,Shift +1% to bonds from equity,13,-20,BrokerD,LMT,86,None,None,Normal monitoring,72,-27,63,3,false,Monitor dispersion and breadth
P4315,Hands-off,IRA,USD,2024-10-22,701260,63931,637329,1.0,67.8,15.5,10.8,6.0,QQQ:10.2%;HYG:21.1%;VTI:18.7%;XLF:21.1%;MSFT:11.2%;GLD:17.7%,US:69.5;EU:9.5;APAC:9.8;EM:9.6;Other:1.5,Value:-0.0;Growth:-0.3;Quality:+1.0;Size:0.0;Momentum:-0.7;LowVol:+0.2,ESGOnly;MaxPos6%,6,25,3.5,hard 10%,113,19.4,Bull,12.6,4.61,3.4,106,74,83,40,false,Rebalance,Shift +1% to bonds from equity,31,1,BrokerC,LMT,90,None,None,Normal monitoring,49,-46,35,3,false,Monitor dispersion and breadth
P4316,Active,401k,USD,2025-02-19,603690,48995,554695,1.0,57.9,20.1,16.7,5.3,BND:11.0%;TLT:17.7%;XLF:20.0%;HYG:20.2%;GLD:19.3%;VNQ:11.8%,US:68.1;EU:12.4;APAC:6.2;EM:12.2;Other:1.2,Value:+0.1;Growth:+0.3;Quality:-0.1;Size:-0.6;Momentum:+0.2;LowVol:+0.4,NoDerivatives,6,25,4.2,trailing 8%,171,21.5,Volatile,27.1,5.14,3.8,116,39,81,74,true,Hedge,Buy index puts 1% notional,17,-31,BrokerB,LMT,99,VAR>budget,Reduce,Risk above budget threshold,98,12,122,3,false,Tax-aware sells next window
P4317,Cautious,401k,USD,2025-11-17,273655,31413,242242,1.0,47.5,38.0,0.0,14.5,TLT:34.2%;HYG:34.2%;IEF:31.6%,US:64.8;EU:18.3;APAC:6.7;EM:6.9;Other:3.3,Value:+0.6;Growth:-0.2;Quality:-0.5;Size:+0.3;Momentum:-0.1;LowVol:+0.8,MaxPos6%;NoMargin,7,30,5.5,trailing 10%,91,16.5,Volatile,27.7,5.15,3.5,180,-36,23,63,false,Rebalance,Shift +1% to bonds from equity,19,-19,BrokerC,VWAP,92,None,None,Normal monitoring,-16,-52,7,3,false,Monitor dispersion and breadth
P4318,Hands-off,401k,USD,2024-11-01,150435,6708,143727,1.0,63.7,15.7,13.3,7.3,VTI:15.7%;GLD:13.4%;QQQ:17.5%;MUB:23.3%;AMZN:12.5%;VNQ:17.7%,US:64.9;EU:6.8;APAC:15.8;EM:7.0;Other:5.4,Value:-0.4;Growth:-1.0;Quality:+0.7;Size:-0.9;Momentum:-0.8;LowVol:+0.9,NoDerivatives,7,25,4.2,hard 10%,154,15.9,Bull,16.7,3.63,3.5,105,54,84,59,false,Buy,Add to core equity +1%,-12,-13,BrokerD,LMT,96,None,None,Normal monitoring,45,0,31,5,false,Increase defensive factor exposure
P4319,Systematic,Trust,USD,2025-06-07,975732,59179,916553,1.0,65.0,29.3,0.0,5.7,BRK.B:16.9%;IEF:16.2%;VTI:23.6%;TLT:19.7%;QQQ:23.6%,US:64.1;EU:17.2;APAC:6.5;EM:7.7;Other:4.6,Value:+0.1;Growth:-0.0;Quality:+0.3;Size:+0.3;Momentum:-0.4;LowVol:+0.8,,5,30,5.2,trailing 9%,124,19.5,Sideways,15.5,3.92,2.7,129,57,67,54,false,Buy,Add to core equity +1%,33,-40,BrokerC,MKT,98,None,None,Normal monitoring,-38,-23,30,5,false,Tax-aware sells next window
P4320,Cautious,401k,USD,2024-09-22,455470,61284,394186,1.0,44.3,34.9,8.7,12.1,MUB:33.3%;VNQ:33.3%;AMZN:33.3%,US:63.5;EU:19.3;APAC:11.3;EM:3.7;Other:2.3,Value:0.0;Growth:+0.6;Quality:-0.6;Size:-0.2;Momentum:+0.6;LowVol:+0.6,ESGOnly;MaxPos7%;NoMargin,7,30,3.8,hard 10%,140,12.9,Sideways,18.8,3.64,2.0,112,47,75,39,false,Rebalance,Shift +1% to bonds from equity,-8,-24,BrokerC,MKT,92,None,None,Normal monitoring,-26,5,60,3,false,Tighten stops on momentum names
P4321,Opportunistic,Trust,USD,2024-12-13,1661542,124197,1537345,1.08,64.0,17.9,14.0,4.1,TLT:23.0%;MUB:15.1%;MSFT:23.0%;VTI:23.0%;VNQ:15.9%,US:63.7;EU:12.4;APAC:12.1;EM:8.3;Other:3.5,Value:-1.0;Growth:-0.7;Quality:+0.2;Size:+0.5;Momentum:+0.3;LowVol:-0.1,,5,25,5.5,trailing 9%,219,29.7,Bull,16.7,4.58,3.4,98,108,92,55,false,NoAction,Within bands; monitor,14,8,BrokerD,LMT,94,None,None,Normal monitoring,28,-35,138,5,false,Within IPS guidelines
P4322,Hands-off,Taxable,USD,2025-09-25,191304,19042,172262,1.0,70.1,22.4,0.0,7.6,VNQ:22.2%;XLF:22.2%;AAPL:12.6%;QQQ:20.9%;BND:22.2%,US:67.9;EU:15.5;APAC:7.5;EM:5.4;Other:3.7,Value:+0.7;Growth:-0.9;Quality:+0.8;Size:+1.0;Momentum:-0.9;LowVol:-0.4,ESGOnly;NoDerivatives,10,35,4.9,trailing 8%,158,19.5,Volatile,21.7,3.7,3.4,180,10,46,55,false,Rebalance,Shift +1% to bonds from equity,25,-28,BrokerB,MKT,98,None,None,Normal monitoring,117,-31,178,4,false,Tax-aware sells next window
P4323,Active,Taxable,USD,2025-05-21,760209,60918,699291,1.0,58.2,30.9,1.0,9.9,MSFT:20.8%;BRK.B:22.2%;AMZN:10.1%;VTI:17.7%;VOO:7.0%;VNQ:22.2%,US:60.0;EU:17.3;APAC:14.3;EM:5.2;Other:3.1,Value:-0.7;Growth:+0.8;Quality:+0.1;Size:-0.8;Momentum:+0.2;LowVol:-0.9,MaxPos7%,10,30,5.2,hard 12%,130,24.8,Volatile,20.1,4.22,3.1,171,53,75,58,false,Buy,Add to core equity +1%,19,-15,BrokerD,MKT,87,None,None,Normal monitoring,-55,20,-79,4,false,Increase defensive factor exposure
P4324,Systematic,401k,USD,2024-12-05,701850,57508,644342,1.0,64.5,29.8,0.0,5.7,IEF:25.0%;TLT:25.0%;XLF:25.0%;HYG:25.0%,US:74.7;EU:6.5;APAC:10.7;EM:4.2;Other:3.9,Value:+0.9;Growth:+0.5;Quality:+0.7;Size:-0.6;Momentum:-0.7;LowVol:0.0,,6,25,5.2,trailing 9%,183,17.6,Bull,14.0,4.05,2.9,117,77,94,40,false,Buy,Add to core equity +1%,-6,8,BrokerD,VWAP,100,None,None,Normal monitoring,69,-50,93,4,false,Increase defensive factor exposure
P4325,Hands-off,401k,USD,2025-07-04,515882,50849,465033,1.0,60.7,25.5,8.6,5.2,AMZN:7.6%;HYG:17.1%;GLD:18.8%;MUB:20.3%;XLF:18.0%;AAPL:18.1%,US:69.9;EU:8.3;APAC:8.2;EM:11.1;Other:2.5,Value:+0.9;Growth:+0.4;Quality:-0.6;Size:-0.8;Momentum:+0.5;LowVol:+0.9,ESGOnly,5,30,5.4,trailing 8%,99,18.4,Bear,32.9,3.42,1.6,154,-104,6,83,true,Rebalance,Rebalance back to target bands,-9,-15,BrokerC,VWAP,86,RegimeShift,Reduce,Volatility spike and breadth deterioration,-51,5,-72,4,true,Monitor dispersion and breadth
P4326,Cautious,Taxable,USD,2025-08-07,601997,83567,518430,1.0,47.8,41.7,0.0,10.5,TSLA:33.3%;TLT:33.3%;VNQ:33.3%,US:62.2;EU:13.9;APAC:11.0;EM:9.1;Other:3.8,Value:-0.9;Growth:+0.1;Quality:+0.6;Size:-0.2;Momentum:+0.7;LowVol:-0.4,NoDerivatives;NoMargin,6,25,3.8,trailing 8%,103,17.1,Sideways,21.3,4.38,3.0,132,-29,48,59,false,Buy,Add to core equity +1%,4,7,BrokerB,MKT,88,None,None,Normal monitoring,-9,3,32,3,false,Tighten stops on momentum names
P4327,Systematic,IRA,USD,2025-11-22,1868112,100450,1767662,1.0,65.2,28.4,0.8,5.7,VNQ:35.0%;VOO:30.0%;TLT:35.0%,US:72.4;EU:7.2;APAC:12.8;EM:7.1;Other:0.5,Value:+0.8;Growth:-0.3;Quality:+0.3;Size:+0.2;Momentum:-0.8;LowVol:+0.3,NoDerivatives,7,30,4.3,hard 12%,194,24.0,Volatile,22.9,3.83,4.3,172,48,79,74,true,Reduce,"Cut high-beta by 2-3%, add cash",28,-3,BrokerC,LMT,93,Drift>tolerance,Reduce,Allocation drift beyond policy bands,42,-41,42,5,false,Monitor dispersion and breadth
P4328,Cautious,Taxable,USD,2025-02-11,824304,69679,754625,1.0,40.3,43.2,3.4,13.1,IEF:15.6%;GLD:24.0%;TSLA:24.0%;VTI:24.0%;BRK.B:12.2%,US:61.6;EU:10.8;APAC:14.6;EM:9.1;Other:3.9,Value:+0.4;Growth:+0.9;Quality:-0.9;Size:-0.0;Momentum:+0.1;LowVol:-0.7,NoMargin,10,30,5.5,trailing 10%,107,16.0,Bull,15.9,3.74,2.5,107,7,48,32,false,Rebalance,Shift +1% to bonds from equity,11,-32,BrokerC,MKT,86,None,None,Normal monitoring,-22,-48,-34,3,false,Tighten stops on momentum names
P4329,Systematic,Trust,USD,2025-06-27,1186168,117249,1068919,1.0,67.0,24.1,3.1,5.9,TLT:18.5%;TSLA:21.6%;BRK.B:19.8%;MSFT:21.6%;VNQ:18.5%,US:73.4;EU:11.9;APAC:6.6;EM:5.3;Other:2.8,Value:-0.6;Growth:+0.5;Quality:-0.1;Size:+0.2;Momentum:-0.4;LowVol:-0.4,NoDerivatives,8,35,4.7,trailing 8%,152,25.0,Sideways,18.2,3.95,2.1,115,19,58,66,false,Hedge,Add TLT +1% as duration hedge,33,-40,BrokerD,LMT,92,None,None,Normal monitoring,117,-29,242,3,false,Tax-aware sells next window
P4330,Cautious,Roth,USD,2024-12-11,855664,100844,754820,1.0,42.1,30.2,16.0,11.7,AAPL:15.7%;VOO:12.9%;GLD:10.9%;BRK.B:22.7%;MSFT:15.1%;BND:22.7%,US:66.9;EU:16.2;APAC:10.5;EM:5.5;Other:1.0,Value:-0.4;Growth:+0.8;Quality:-0.7;Size:-0.8;Momentum:+0.3;LowVol:-0.0,NoMargin,8,35,4.0,trailing 10%,139,15.6,Bull,16.6,3.82,2.5,78,117,100,42,false,Rebalance,Shift +1% to bonds from equity,28,-24,BrokerA,MKT,99,None,None,Normal monitoring,45,5,31,4,false,Monitor dispersion and breadth
P4331,Opportunistic,Taxable,USD,2025-04-01,991391,48042,943349,1.12,66.6,21.3,6.6,5.5,QQQ:12.5%;TLT:20.4%;VNQ:15.6%;MSFT:8.2%;BND:21.6%;AAPL:21.6%,US:64.9;EU:6.9;APAC:15.4;EM:9.3;Other:3.4,Value:+0.8;Growth:-0.1;Quality:+0.9;Size:-0.2;Momentum:+0.8;LowVol:+0.3,,8,35,5.5,trailing 7%,232,27.2,Volatile,25.7,4.96,2.6,164,-4,53,67,false,Rebalance,Shift +1% to bonds from equity,33,0,BrokerD,LMT,89,None,None,Normal monitoring,99,12,139,3,false,Within IPS guidelines
P4332,Active,IRA,USD,2025-02-18,1005571,101937,903634,1.0,52.5,19.5,19.7,8.2,TSLA:33.4%;MUB:33.4%;MSFT:33.2%,US:56.3;EU:16.7;APAC:12.1;EM:12.0;Other:3.0,Value:+0.4;Growth:-0.7;Quality:+0.6;Size:+0.9;Momentum:+0.6;LowVol:-0.7,,6,35,4.9,trailing 9%,136,23.9,Volatile,25.9,3.87,4.3,153,68,89,63,false,Buy,Add to core equity +1%,5,-1,BrokerB,MKT,99,None,None,Normal monitoring,-38,17,91,5,false,Within IPS guidelines
P4333,Cautious,401k,USD,2024-10-23,367488,51565,315923,1.0,45.8,34.6,6.7,12.8,QQQ:25.0%;VOO:25.0%;MSFT:25.0%;AMZN:25.0%,US:74.4;EU:5.8;APAC:7.3;EM:10.6;Other:1.8,Value:+0.9;Growth:-0.5;Quality:+0.4;Size:+0.5;Momentum:-0.8;LowVol:0.0,NoMargin,7,35,5.0,hard 10%,168,17.2,Volatile,30.4,4.67,2.3,167,2,55,58,false,Hedge,Add TLT +1% as duration hedge,-9,-36,BrokerD,MKT,87,None,None,Normal monitoring,106,-12,154,5,false,Increase defensive factor exposure
P4334,Active,Roth,USD,2025-10-08,2139272,250359,1888913,1.0,65.6,28.9,0.0,5.5,AAPL:28.1%;MSFT:28.1%;XLF:25.0%;TLT:18.9%,US:71.3;EU:10.6;APAC:11.5;EM:3.3;Other:3.2,Value:+0.5;Growth:+0.9;Quality:-0.0;Size:+0.1;Momentum:0.0;LowVol:+0.1,NoDerivatives,6,25,4.7,trailing 9%,176,28.0,Bear,25.4,3.48,2.2,164,5,66,66,false,Rebalance,Shift +1% to bonds from equity,16,-30,BrokerB,LMT,92,None,None,Normal monitoring,106,-2,214,5,false,Monitor dispersion and breadth
P4335,Active,401k,USD,2025-02-07,966406,73946,892460,1.0,52.1,30.2,9.3,8.4,XLF:25.0%;AAPL:25.0%;BND:25.0%;VTI:25.0%,US:66.5;EU:15.3;APAC:10.9;EM:3.7;Other:3.6,Value:-0.8;Growth:+0.6;Quality:-0.7;Size:-0.6;Momentum:+0.6;LowVol:+0.5,,6,35,5.3,trailing 8%,185,16.9,Bull,17.3,3.94,3.1,120,64,93,36,false,Rebalance,Shift +1% to bonds from equity,25,-24,BrokerC,MKT,85,None,None,Normal monitoring,107,19,124,4,false,Monitor dispersion and breadth
P4336,Active,Taxable,USD,2025-07-15,2088850,137473,1951377,1.0,56.6,28.0,9.8,5.6,HYG:26.7%;VTI:19.9%;BRK.B:26.7%;BND:26.7%,US:68.6;EU:10.3;APAC:9.7;EM:10.2;Other:1.2,Value:+0.3;Growth:+0.1;Quality:-0.4;Size:+0.2;Momentum:-0.8;LowVol:+0.8,MaxPos7%,7,30,4.6,trailing 9%,141,16.8,Volatile,29.2,4.39,2.5,113,-56,28,65,false,Sell,Trim extended winner -1%,23,-20,BrokerB,LMT,94,None,None,Normal monitoring,51,-40,167,5,false,Monitor dispersion and breadth
P4337,Systematic,Taxable,USD,2024-11-10,1409621,134192,1275429,1.0,63.3,30.9,0.0,5.8,VTI:33.3%;TSLA:33.3%;HYG:33.3%,US:72.6;EU:12.0;APAC:10.1;EM:3.1;Other:2.1,Value:+0.7;Growth:+0.4;Quality:+0.2;Size:+0.4;Momentum:+0.6;LowVol:-0.4,MaxPos5%,7,30,4.9,hard 12%,142,16.1,Bull,16.8,4.99,2.5,92,55,64,41,false,Buy,Add to core equity +1%,3,-7,BrokerD,LMT,88,None,None,Normal monitoring,-6,0,65,5,false,Within IPS guidelines
P4338,Active,Roth,USD,2024-07-13,2244511,264742,1979769,1.0,68.7,19.3,5.9,6.2,AMZN:24.2%;GLD:13.7%;VTI:24.2%;TSLA:16.6%;MSFT:21.4%,US:73.3;EU:4.9;APAC:11.2;EM:7.8;Other:2.8,Value:+0.9;Growth:+0.5;Quality:-0.6;Size:-0.1;Momentum:-0.3;LowVol:+0.6,,6,25,4.6,hard 12%,189,25.2,Bull,16.0,4.01,3.3,100,46,74,55,true,Hedge,Buy index puts 1% notional,5,-23,BrokerD,LMT,99,VAR>budget,Hedge,Risk above budget threshold,-58,-57,23,3,false,Increase defensive factor exposure
P4339,Cautious,401k,USD,2024-12-18,829665,86233,743432,1.0,36.1,36.5,17.0,10.4,BRK.B:20.2%;GLD:24.3%;AAPL:27.8%;BND:27.8%,US:63.0;EU:17.5;APAC:7.9;EM:8.9;Other:2.6,Value:-0.9;Growth:+0.5;Quality:0.0;Size:-0.9;Momentum:-0.7;LowVol:-0.3,ESGOnly;NoMargin,10,30,5.1,trailing 8%,124,13.1,Volatile,30.0,3.97,2.8,159,-5,62,62,false,Buy,Add to core equity +1%,-7,8,BrokerB,LMT,99,None,None,Normal monitoring,35,-19,131,3,false,Tighten stops on momentum names
P4340,Cautious,401k,USD,2025-08-28,410228,34609,375619,1.0,43.2,33.6,9.5,13.7,IEF:23.0%;XLF:23.0%;HYG:15.5%;GLD:15.4%;MSFT:23.0%,US:61.7;EU:14.8;APAC:9.3;EM:12.2;Other:2.0,Value:-0.1;Growth:-0.5;Quality:+0.5;Size:-0.7;Momentum:+0.1;LowVol:-0.2,ESGOnly;NoMargin,7,35,4.6,hard 10%,117,15.5,Volatile,29.6,4.45,3.9,125,52,89,67,false,Sell,Trim extended winner -1%,-12,-24,BrokerD,MKT,93,None,None,Normal monitoring,120,-53,154,4,false,Tighten stops on momentum names
P4341,Active,401k,USD,2024-12-21,1247709,95653,1152056,1.06,69.2,22.6,2.4,5.9,QQQ:20.8%;VOO:17.9%;AMZN:8.8%;BRK.B:20.8%;XLF:12.8%;TSLA:18.9%,US:66.4;EU:16.2;APAC:6.9;EM:6.8;Other:3.8,Value:+0.2;Growth:-0.5;Quality:-0.8;Size:+0.3;Momentum:+0.5;LowVol:-0.7,,5,35,5.9,hard 12%,172,19.0,Volatile,25.2,3.76,2.9,150,35,62,76,true,Reduce,"Cut high-beta by 2-3%, add cash",31,-20,BrokerB,LMT,99,Drift>tolerance,Hedge,Allocation drift beyond policy bands,53,-33,37,2,false,Tax-aware sells next window
P4342,Hands-off,Trust,USD,2025-02-10,154478,11287,143191,1.0,57.1,27.9,7.7,7.2,HYG:20.6%;TSLA:10.9%;MSFT:20.6%;BRK.B:17.7%;AAPL:13.1%;TLT:17.1%,US:71.8;EU:9.7;APAC:8.0;EM:9.9;Other:0.6,Value:-0.6;Growth:0.0;Quality:0.0;Size:-0.3;Momentum:-0.3;LowVol:+0.7,ESGOnly;NoDerivatives,8,30,4.2,hard 10%,90,14.4,Volatile,30.5,5.38,3.4,172,-58,26,81,true,Rebalance,Rebalance back to target bands,4,-28,BrokerB,VWAP,88,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-46,9,-78,3,false,Monitor dispersion and breadth
P4343,Active,401k,USD,2025-04-13,1019952,96836,923116,1.0,67.0,22.4,5.6,5.1,MSFT:18.5%;AAPL:17.8%;BND:19.0%;XLF:20.1%;HYG:12.6%;TLT:12.0%,US:69.5;EU:6.3;APAC:15.3;EM:8.0;Other:0.9,Value:-0.9;Growth:-0.1;Quality:+0.2;Size:+0.5;Momentum:-0.6;LowVol:-0.3,,8,30,4.1,trailing 8%,209,19.0,Sideways,20.5,3.84,3.0,98,-2,53,66,false,Rebalance,Shift +1% to bonds from equity,35,-31,BrokerD,MKT,85,None,None,Normal monitoring,31,-56,153,4,false,Within IPS guidelines
P4344,Hands-off,Taxable,USD,2024-11-12,711573,66379,645194,1.0,68.0,16.0,10.2,5.8,HYG:33.3%;BND:33.3%;MSFT:33.3%,US:58.1;EU:17.6;APAC:12.6;EM:10.5;Other:1.1,Value:-1.0;Growth:+0.3;Quality:-0.2;Size:+0.8;Momentum:+0.2;LowVol:-1.0,,7,30,4.3,trailing 8%,107,17.7,Bull,13.7,3.75,3.2,87,116,100,43,false,Sell,Trim extended winner -1%,24,11,BrokerD,MKT,98,None,None,Normal monitoring,52,-35,100,5,false,Tighten stops on momentum names
P4345,Cautious,Trust,USD,2024-07-20,221923,29137,192786,1.0,48.7,30.9,5.2,15.2,VNQ:37.5%;AMZN:24.9%;MSFT:37.5%,US:57.2;EU:16.9;APAC:14.7;EM:9.3;Other:2.0,Value:-0.1;Growth:+0.6;Quality:-0.2;Size:-0.7;Momentum:+0.2;LowVol:-0.8,MaxPos7%;NoMargin,7,30,5.3,trailing 8%,118,13.9,Bull,14.5,3.59,2.4,97,23,75,43,false,NoAction,Within bands; monitor,14,-30,BrokerA,MKT,0,None,None,Normal monitoring,118,-50,256,5,false,Within IPS guidelines
P4346,Cautious,401k,USD,2025-08-05,243980,31339,212641,1.0,49.2,40.7,0.0,10.1,AMZN:33.6%;BRK.B:32.7%;TLT:33.6%,US:68.9;EU:14.6;APAC:11.7;EM:3.0;Other:1.8,Value:0.0;Growth:+0.6;Quality:-0.7;Size:+0.7;Momentum:-0.6;LowVol:+0.8,ESGOnly;MaxPos8%;NoMargin,10,30,3.2,hard 10%,139,13.9,Sideways,18.5,4.64,2.2,118,18,68,41,false,Buy,Add to core equity +1%,-7,-28,BrokerC,MKT,89,None,None,Normal monitoring,-16,-38,96,5,false,Tighten stops on momentum names
P4347,Hands-off,IRA,USD,2024-10-23,307110,24873,282237,1.0,71.2,18.9,4.3,5.6,HYG:20.7%;XLF:19.3%;TLT:15.8%;VOO:17.0%;BND:18.4%;AAPL:8.9%,US:61.4;EU:16.7;APAC:12.4;EM:7.9;Other:1.6,Value:-0.4;Growth:+0.8;Quality:-0.4;Size:-0.3;Momentum:-0.6;LowVol:-0.6,ESGOnly;NoDerivatives,8,25,5.1,trailing 8%,169,16.5,Volatile,21.7,3.64,3.7,176,18,73,68,false,Buy,Add to core equity +1%,34,5,BrokerC,MKT,89,None,None,Normal monitoring,35,10,130,5,false,Tighten stops on momentum names
P4348,Hands-off,IRA,USD,2025-03-22,303100,25462,277638,1.0,73.4,20.1,0.0,6.5,MUB:35.1%;BRK.B:29.8%;VOO:35.1%,US:65.6;EU:10.2;APAC:14.4;EM:6.9;Other:2.9,Value:0.0;Growth:+0.1;Quality:-0.6;Size:-0.4;Momentum:-0.5;LowVol:+0.3,,10,25,4.2,trailing 8%,141,17.9,Bull,11.6,4.67,2.4,86,75,79,45,false,Buy,Add to core equity +1%,23,-32,BrokerA,LMT,97,None,None,Normal monitoring,104,-41,152,3,false,Increase defensive factor exposure
P4349,Opportunistic,Taxable,USD,2025-08-01,1009906,50825,959081,1.0,62.8,17.2,13.9,6.1,MSFT:17.7%;BRK.B:17.5%;MUB:16.1%;BND:20.0%;HYG:16.3%;IEF:12.4%,US:70.5;EU:9.7;APAC:7.8;EM:7.1;Other:4.9,Value:+0.4;Growth:-0.4;Quality:-0.7;Size:+0.5;Momentum:-0.7;LowVol:-0.1,,5,25,7.0,trailing 9%,192,32.0,Bull,11.5,3.87,3.0,94,35,70,38,false,Rebalance,Shift +1% to bonds from equity,-15,12,BrokerA,VWAP,99,None,None,Normal monitoring,76,-33,178,5,false,Tighten stops on momentum names
P4350,Cautious,Trust,USD,2025-07-07,819557,128758,690799,1.0,35.9,35.4,15.4,13.3,AMZN:36.6%;VNQ:36.6%;HYG:26.8%,US:61.8;EU:20.2;APAC:9.2;EM:6.9;Other:1.9,Value:+1.0;Growth:-0.9;Quality:-0.5;Size:+0.8;Momentum:-1.0;LowVol:+0.6,ESGOnly;NoMargin,5,35,4.9,hard 10%,119,17.6,Sideways,17.1,4.7,3.4,138,31,67,25,false,Buy,Add to core equity +1%,3,-11,BrokerC,MKT,91,None,None,Normal monitoring,41,18,63,4,false,Within IPS guidelines
P4351,Opportunistic,Taxable,USD,2025-12-24,886948,74352,812596,1.15,62.4,10.8,19.5,7.3,HYG:13.4%;IEF:21.8%;VOO:21.9%;BND:20.9%;GLD:21.9%,US:60.1;EU:11.4;APAC:13.2;EM:9.7;Other:5.7,Value:-0.0;Growth:-1.0;Quality:-0.1;Size:+0.3;Momentum:0.0;LowVol:-0.8,,8,35,7.0,trailing 9%,222,26.2,Bull,14.5,3.99,3.5,118,33,53,41,false,Rebalance,Shift +1% to bonds from equity,28,-11,BrokerC,MKT,87,None,None,Normal monitoring,56,5,125,4,false,Increase defensive factor exposure
P4352,Cautious,401k,USD,2025-10-19,536221,51902,484319,1.0,45.3,37.5,1.9,15.3,BRK.B:20.3%;QQQ:30.2%;VNQ:19.3%;VTI:30.2%,US:65.9;EU:9.1;APAC:11.9;EM:8.0;Other:5.1,Value:+0.1;Growth:-0.2;Quality:+0.7;Size:+0.8;Momentum:0.0;LowVol:+0.6,NoMargin,7,30,3.8,trailing 8%,115,18.0,Sideways,21.5,3.86,3.1,138,46,70,46,false,Rebalance,Shift +1% to bonds from equity,33,-12,BrokerB,LMT,91,None,None,Normal monitoring,23,-28,-6,4,false,Tighten stops on momentum names
P4353,Active,Trust,USD,2025-01-26,1644199,128697,1515502,1.0,69.6,23.5,1.1,5.9,BRK.B:23.4%;MSFT:16.3%;QQQ:23.4%;BND:23.4%;MUB:13.4%,US:66.5;EU:15.7;APAC:11.9;EM:4.6;Other:1.3,Value:+0.6;Growth:-0.0;Quality:+0.1;Size:-0.1;Momentum:-0.4;LowVol:-0.0,,7,30,5.7,trailing 9%,217,27.6,Volatile,25.1,3.57,2.7,154,44,57,65,false,Rebalance,Shift +1% to bonds from equity,-3,-14,BrokerA,LMT,93,None,None,Normal monitoring,43,-20,116,4,false,Tighten stops on momentum names
P4354,Cautious,IRA,USD,2024-07-10,433430,48140,385290,1.0,50.9,35.9,0.0,13.2,XLF:18.9%;TSLA:27.0%;IEF:27.0%;BND:27.0%,US:59.9;EU:16.9;APAC:15.9;EM:3.4;Other:3.9,Value:+0.5;Growth:-0.3;Quality:-0.1;Size:0.0;Momentum:+0.7;LowVol:-0.8,ESGOnly;NoDerivatives;NoMargin,8,35,4.4,hard 10%,161,13.4,Volatile,20.1,5.19,3.1,150,-60,16,59,false,Buy,Add to core equity +1%,1,-30,BrokerA,LMT,93,None,None,Normal monitoring,-43,-26,-21,4,false,Increase defensive factor exposure
P4355,Opportunistic,Roth,USD,2025-07-05,1568999,55441,1513558,1.0,63.0,12.6,20.0,4.3,VNQ:16.0%;AAPL:28.0%;TSLA:28.0%;QQQ:28.0%,US:73.8;EU:8.1;APAC:8.5;EM:5.4;Other:4.2,Value:+0.6;Growth:-0.1;Quality:+0.8;Size:-0.2;Momentum:-0.3;LowVol:+0.2,MaxPos5%;NoDerivatives,10,25,4.5,trailing 9%,260,20.6,Volatile,29.7,3.84,4.0,171,-19,52,87,true,Hedge,Buy index puts 1% notional,-1,-4,BrokerD,LMT,96,VAR>budget,Reduce,Risk above budget threshold,58,-47,101,4,false,Monitor dispersion and breadth
P4356,Hands-off,Trust,USD,2025-01-07,443893,24495,419398,1.0,74.5,17.7,1.4,6.5,QQQ:19.6%;VNQ:22.3%;IEF:20.6%;TLT:18.1%;TSLA:19.4%,US:64.8;EU:16.0;APAC:9.5;EM:8.8;Other:0.9,Value:+0.2;Growth:+0.4;Quality:-0.3;Size:-0.8;Momentum:+0.4;LowVol:-0.3,ESGOnly,6,35,3.6,trailing 10%,156,13.0,Sideways,14.4,3.55,2.6,117,17,64,48,false,NoAction,Within bands; monitor,18,13,BrokerD,MKT,0,None,None,Normal monitoring,-33,-11,-66,5,false,Increase defensive factor exposure
P4357,Opportunistic,401k,USD,2024-08-28,334740,14812,319928,1.0,73.5,11.1,8.6,6.9,MSFT:23.0%;TLT:23.0%;AMZN:23.0%;BRK.B:22.1%;VOO:8.9%,US:69.4;EU:13.9;APAC:8.5;EM:7.7;Other:0.5,Value:-0.1;Growth:-0.7;Quality:-0.3;Size:-0.9;Momentum:+0.9;LowVol:-0.2,,10,30,5.1,trailing 7%,174,29.5,Sideways,15.6,4.08,2.5,139,33,57,62,false,Buy,Add to core equity +1%,-7,-6,BrokerC,MKT,93,None,None,Normal monitoring,99,6,196,3,false,Monitor dispersion and breadth
P4358,Hands-off,Taxable,USD,2025-09-10,300087,16833,283254,1.0,56.2,24.8,10.5,8.5,MSFT:33.3%;BRK.B:33.3%;AMZN:33.3%,US:71.2;EU:10.5;APAC:9.0;EM:6.1;Other:3.2,Value:+0.2;Growth:-0.5;Quality:-0.1;Size:+0.8;Momentum:-0.4;LowVol:+0.2,ESGOnly,6,30,4.2,trailing 8%,152,12.4,Bull,13.5,4.07,2.2,77,7,56,47,false,Sell,Trim extended winner -1%,-5,2,BrokerC,MKT,97,None,None,Normal monitoring,42,6,15,5,false,Tax-aware sells next window
P4359,Cautious,401k,USD,2025-08-15,229261,21885,207376,1.0,50.7,32.5,0.0,16.7,XLF:27.7%;MSFT:16.8%;AMZN:27.7%;IEF:27.7%,US:64.5;EU:6.4;APAC:13.8;EM:12.1;Other:3.2,Value:-0.5;Growth:-0.0;Quality:0.0;Size:+0.4;Momentum:+0.7;LowVol:+0.1,MaxPos6%;NoMargin,8,35,3.8,trailing 10%,108,13.7,Bull,11.7,3.76,2.1,90,83,93,33,false,Sell,Trim extended winner -1%,-7,14,BrokerB,MKT,95,None,None,Normal monitoring,79,0,131,4,false,Within IPS guidelines
P4360,Active,Trust,USD,2025-09-18,2086408,155488,1930920,1.0,67.6,18.6,4.0,9.7,BND:24.4%;IEF:13.3%;TLT:23.4%;MUB:14.5%;AMZN:24.4%,US:70.8;EU:10.8;APAC:7.5;EM:8.1;Other:2.8,Value:+0.6;Growth:-0.7;Quality:+0.4;Size:+0.7;Momentum:+0.3;LowVol:0.0,,7,30,5.2,hard 12%,130,20.4,Sideways,14.3,3.99,3.3,122,35,52,56,false,Buy,Add to core equity +1%,12,-13,BrokerC,VWAP,86,None,None,Normal monitoring,100,-22,212,3,false,Within IPS guidelines
P4361,Opportunistic,401k,USD,2024-08-29,392094,25444,366650,1.0,70.8,14.9,9.5,4.9,VTI:18.0%;BRK.B:21.8%;TLT:21.8%;GLD:19.8%;XLF:18.6%,US:69.7;EU:9.1;APAC:9.5;EM:6.2;Other:5.5,Value:-0.7;Growth:-0.7;Quality:-0.4;Size:-0.1;Momentum:-0.8;LowVol:+0.6,,8,30,6.5,trailing 9%,176,32.0,Volatile,24.2,5.21,2.2,168,11,53,61,false,Sell,Trim extended winner -1%,0,-8,BrokerA,MKT,100,None,None,Normal monitoring,48,-21,14,4,false,Within IPS guidelines
P4362,Cautious,Trust,USD,2025-11-07,527088,47647,479441,1.0,38.9,42.2,3.8,15.0,MSFT:22.7%;XLF:16.4%;AAPL:7.3%;VOO:8.3%;TSLA:22.7%;MUB:22.7%,US:63.3;EU:18.0;APAC:12.0;EM:4.3;Other:2.4,Value:+0.6;Growth:+0.1;Quality:-0.5;Size:+0.1;Momentum:+0.3;LowVol:+0.3,ESGOnly;MaxPos6%;NoMargin,8,30,4.0,hard 10%,128,14.5,Bull,15.7,3.9,2.7,104,43,78,24,false,Rebalance,Shift +1% to bonds from equity,33,-13,BrokerB,LMT,90,None,None,Normal monitoring,-22,0,84,5,false,Monitor dispersion and breadth
P4363,Hands-off,IRA,USD,2025-08-16,679770,51473,628297,1.0,64.3,27.6,0.0,8.1,VOO:33.3%;IEF:33.3%;VNQ:33.3%,US:59.9;EU:16.0;APAC:13.3;EM:7.0;Other:3.8,Value:+0.4;Growth:-0.2;Quality:+0.5;Size:-0.8;Momentum:-0.1;LowVol:+0.6,MaxPos7%,8,30,4.7,trailing 8%,130,15.9,Volatile,24.1,3.99,2.7,131,-60,29,71,true,Reduce,"Cut high-beta by 2-3%, add cash",-14,-30,BrokerA,LMT,87,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,7,-5,-12,5,false,Tighten stops on momentum names
P4364,Hands-off,Roth,USD,2024-12-18,506721,21969,484752,1.0,68.3,20.5,5.8,5.4,VNQ:20.8%;XLF:18.4%;IEF:20.8%;VTI:9.8%;AAPL:9.4%;AMZN:20.8%,US:67.8;EU:13.7;APAC:11.8;EM:4.7;Other:2.0,Value:-0.8;Growth:-0.0;Quality:+0.2;Size:+0.9;Momentum:+0.6;LowVol:+0.7,NoDerivatives,7,30,3.7,trailing 10%,157,19.5,Bull,15.2,4.17,2.2,70,36,62,59,false,Rebalance,Shift +1% to bonds from equity,32,-38,BrokerA,LMT,96,None,None,Normal monitoring,64,-11,64,5,false,Tax-aware sells next window
P4365,Active,Trust,USD,2024-07-27,662851,51014,611837,1.0,55.9,18.8,16.7,8.6,HYG:33.3%;VOO:33.3%;VTI:33.3%,US:61.0;EU:14.2;APAC:11.1;EM:12.9;Other:0.8,Value:+0.9;Growth:+0.1;Quality:-0.8;Size:+0.5;Momentum:+0.9;LowVol:-0.3,MaxPos6%,5,30,5.8,trailing 9%,195,23.8,Bull,13.4,4.39,3.4,82,8,64,35,false,Hedge,Add TLT +1% as duration hedge,0,8,BrokerC,VWAP,90,None,None,Normal monitoring,60,-4,182,3,false,Tighten stops on momentum names
P4366,Systematic,IRA,USD,2025-02-20,413576,20462,393114,1.0,58.9,26.0,6.2,8.9,BRK.B:33.3%;BND:33.3%;IEF:33.3%,US:62.0;EU:18.4;APAC:13.4;EM:5.5;Other:0.7,Value:-0.2;Growth:-0.6;Quality:-0.5;Size:-0.5;Momentum:+0.3;LowVol:-0.6,MaxPos5%,8,30,6.0,hard 12%,211,21.2,Bear,22.6,3.92,1.4,155,-74,21,55,false,Rebalance,Shift +1% to bonds from equity,17,-9,BrokerC,LMT,97,None,None,Normal monitoring,64,16,139,3,false,Increase defensive factor exposure
P4367,Hands-off,Trust,USD,2025-09-11,785584,32507,753077,1.0,65.2,26.8,0.0,8.1,VTI:29.1%;TSLA:35.5%;GLD:35.5%,US:56.5;EU:18.7;APAC:12.6;EM:8.7;Other:3.5,Value:+0.6;Growth:+0.2;Quality:+0.1;Size:-0.6;Momentum:-0.5;LowVol:+0.9,MaxPos5%,6,25,5.0,hard 10%,112,14.1,Volatile,28.5,4.01,3.8,176,-42,29,85,true,Hedge,Buy index puts 1% notional,-11,-25,BrokerC,LMT,85,VAR>budget,TightenStops,Risk above budget threshold,-46,-15,-57,3,false,Tax-aware sells next window
P4368,Hands-off,IRA,USD,2025-05-20,349205,30201,319004,1.0,73.8,19.0,2.1,5.1,VOO:34.6%;XLF:30.9%;GLD:34.6%,US:62.1;EU:19.2;APAC:8.8;EM:4.6;Other:5.4,Value:-0.3;Growth:-0.3;Quality:+0.8;Size:-0.2;Momentum:-0.7;LowVol:-0.6,MaxPos8%,10,35,3.1,trailing 10%,156,14.6,Bull,12.7,4.16,3.2,111,7,66,45,false,Rebalance,Shift +1% to bonds from equity,-10,8,BrokerB,LMT,99,None,None,Normal monitoring,-50,6,27,4,false,Increase defensive factor exposure
P4369,Systematic,401k,USD,2025-03-08,688907,53625,635282,1.0,65.2,26.6,0.0,8.2,MSFT:20.8%;AMZN:27.3%;TSLA:24.6%;HYG:27.3%,US:75.7;EU:6.8;APAC:10.5;EM:4.1;Other:2.9,Value:+0.5;Growth:-0.6;Quality:-0.1;Size:+0.7;Momentum:+0.7;LowVol:-0.4,MaxPos7%;NoDerivatives,10,25,5.1,trailing 8%,135,27.5,Bull,12.9,4.01,3.0,117,33,65,47,false,Sell,Trim extended winner -1%,14,-17,BrokerB,MKT,89,None,None,Normal monitoring,12,-6,27,4,false,Monitor dispersion and breadth
P4370,Cautious,Trust,USD,2025-07-29,550626,74730,475896,1.0,47.1,41.5,0.0,11.3,BRK.B:26.2%;TSLA:26.2%;XLF:21.4%;QQQ:26.2%,US:68.6;EU:6.6;APAC:15.3;EM:4.1;Other:5.3,Value:-0.6;Growth:-0.3;Quality:-0.6;Size:-0.7;Momentum:-0.8;LowVol:+0.8,ESGOnly;NoDerivatives;NoMargin,10,30,4.3,trailing 8%,147,19.9,Volatile,29.2,4.11,3.8,120,-39,21,68,false,Buy,Add to core equity +1%,18,-6,BrokerA,LMT,99,None,None,Normal monitoring,31,-36,1,3,false,Within IPS guidelines
P4371,Active,Taxable,USD,2024-08-29,1530993,120169,1410824,1.21,52.8,25.8,13.2,8.2,MUB:15.5%;TLT:11.3%;VOO:24.4%;AMZN:24.4%;BRK.B:24.4%,US:61.7;EU:13.8;APAC:14.2;EM:9.1;Other:1.2,Value:+0.6;Growth:+0.6;Quality:-1.0;Size:-0.5;Momentum:-0.9;LowVol:-0.6,,7,30,5.6,trailing 9%,156,18.8,Bull,13.5,3.61,3.1,74,53,67,43,false,Rebalance,Shift +1% to bonds from equity,3,-33,BrokerD,MKT,95,None,None,Normal monitoring,111,20,146,5,false,Increase defensive factor exposure
P4372,Hands-off,Trust,USD,2025-04-11,380054,15599,364455,1.0,64.1,18.5,7.9,9.5,XLF:32.0%;MSFT:34.0%;VOO:34.0%,US:58.9;EU:20.4;APAC:12.6;EM:5.2;Other:2.9,Value:-0.2;Growth:+0.2;Quality:+0.4;Size:+0.4;Momentum:-0.1;LowVol:+0.2,ESGOnly,7,35,5.5,hard 10%,97,17.3,Bull,13.6,4.23,2.4,109,94,100,38,false,Rebalance,Shift +1% to bonds from equity,10,2,BrokerD,MKT,87,None,None,Normal monitoring,18,-57,135,3,false,Within IPS guidelines
P4373,Active,Roth,USD,2025-04-02,1580837,130090,1450747,1.0,61.6,27.1,2.3,9.0,GLD:22.1%;MSFT:22.1%;IEF:17.1%;VOO:22.1%;QQQ:16.5%,US:74.5;EU:9.8;APAC:7.6;EM:6.4;Other:1.8,Value:-0.5;Growth:+0.2;Quality:-0.6;Size:-0.4;Momentum:-0.2;LowVol:+0.4,,6,35,4.9,trailing 9%,230,20.9,Bull,14.5,4.44,3.0,98,83,100,39,false,Rebalance,Shift +1% to bonds from equity,-5,3,BrokerC,MKT,90,None,None,Normal monitoring,59,13,121,5,false,Increase defensive factor exposure
P4374,Systematic,Roth,USD,2025-08-30,600583,53171,547412,1.0,59.0,26.8,8.6,5.5,TLT:19.9%;MSFT:25.1%;TSLA:17.9%;HYG:25.1%;GLD:12.0%,US:67.3;EU:12.0;APAC:9.6;EM:6.5;Other:4.7,Value:-0.4;Growth:+0.5;Quality:+0.8;Size:+1.0;Momentum:-0.7;LowVol:+0.1,,8,25,5.9,hard 12%,226,24.8,Bear,30.9,3.42,2.5,214,-66,30,81,true,Hedge,Buy index puts 1% notional,-5,-29,BrokerC,LMT,90,Drift>tolerance,Hedge,Allocation drift beyond policy bands,42,4,98,2,false,Tighten stops on momentum names
P4375,Active,IRA,USD,2025-03-24,2329677,163088,2166589,1.0,56.9,24.5,12.0,6.6,BND:21.7%;VNQ:7.4%;BRK.B:19.7%;MUB:17.7%;TLT:21.7%;XLF:11.8%,US:71.1;EU:10.1;APAC:10.6;EM:6.2;Other:2.1,Value:-0.6;Growth:-0.2;Quality:+0.6;Size:-0.5;Momentum:+0.5;LowVol:+0.3,MaxPos8%;NoDerivatives,8,25,4.9,hard 12%,229,22.2,Bull,15.6,4.55,2.6,83,54,79,51,false,Buy,Add to core equity +1%,28,3,BrokerC,MKT,93,None,None,Normal monitoring,-37,-59,69,4,false,Tax-aware sells next window
P4376,Cautious,401k,USD,2025-07-05,434784,48675,386109,1.0,38.5,41.0,9.5,11.0,AAPL:13.6%;BRK.B:18.2%;HYG:15.1%;IEF:14.4%;MSFT:16.5%;QQQ:22.2%,US:66.1;EU:15.4;APAC:13.9;EM:3.9;Other:0.7,Value:-0.4;Growth:+0.6;Quality:-0.5;Size:+0.5;Momentum:+0.7;LowVol:+0.2,MaxPos7%;NoMargin,8,25,4.4,trailing 10%,106,19.5,Bull,12.3,4.16,2.3,99,83,100,24,false,NoAction,Within bands; monitor,-10,-1,BrokerC,LMT,92,None,None,Normal monitoring,94,3,132,4,false,Monitor dispersion and breadth
P4377,Hands-off,Trust,USD,2025-03-07,238001,13029,224972,1.0,63.5,28.5,0.0,8.0,TLT:23.4%;TSLA:20.6%;GLD:23.4%;BND:9.2%;VTI:23.4%,US:60.2;EU:14.2;APAC:13.4;EM:9.5;Other:2.7,Value:-0.7;Growth:-0.2;Quality:0.0;Size:+0.8;Momentum:+0.6;LowVol:-0.4,ESGOnly,7,35,3.9,hard 10%,147,16.9,Sideways,15.9,4.75,3.2,128,60,93,51,false,Hedge,Add TLT +1% as duration hedge,18,-3,BrokerD,MKT,94,None,None,Normal monitoring,79,-38,190,5,false,Increase defensive factor exposure
P4378,Active,401k,USD,2025-11-05,1958708,170626,1788082,1.0,68.5,19.6,6.6,5.3,BRK.B:33.3%;BND:33.3%;GLD:33.3%,US:77.7;EU:5.6;APAC:10.1;EM:5.4;Other:1.1,Value:-0.7;Growth:-0.3;Quality:+0.3;Size:-0.9;Momentum:+0.3;LowVol:+0.9,,8,35,5.5,trailing 8%,152,17.1,Volatile,25.6,4.52,2.1,120,35,58,72,true,Reduce,"Cut high-beta by 2-3%, add cash",0,-12,BrokerA,MKT,96,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-39,-20,-60,5,false,Within IPS guidelines
P4379,Systematic,Trust,USD,2025-06-13,625242,49864,575378,1.0,64.2,27.1,0.1,8.5,IEF:33.3%;MSFT:33.3%;BND:33.3%,US:71.5;EU:5.2;APAC:8.4;EM:11.3;Other:3.6,Value:+0.8;Growth:-0.0;Quality:-0.3;Size:+0.9;Momentum:-0.2;LowVol:0.0,NoDerivatives,6,25,4.7,trailing 8%,149,22.4,Bear,22.7,3.61,1.1,179,-44,38,70,false,Rebalance,Shift +1% to bonds from equity,9,-33,BrokerC,MKT,92,None,None,Normal monitoring,118,-1,248,5,false,Tax-aware sells next window
P4380,Active,Trust,USD,2025-06-03,2044577,148094,1896483,1.0,52.1,23.7,15.7,8.5,VOO:19.2%;XLF:17.9%;BND:17.4%;AMZN:12.0%;AAPL:19.3%;HYG:14.2%,US:66.2;EU:18.0;APAC:10.2;EM:4.6;Other:0.9,Value:-0.2;Growth:-0.4;Quality:+0.8;Size:+0.1;Momentum:-0.1;LowVol:-0.4,MaxPos8%,8,25,4.7,hard 12%,163,24.5,Bear,26.3,3.22,2.0,202,-39,24,69,true,Reduce,"Cut high-beta by 2-3%, add cash",16,-22,BrokerC,MKT,85,RegimeShift,Pause,Volatility spike and breadth deterioration,-26,0,101,4,false,Tighten stops on momentum names
P4381,Active,Taxable,USD,2025-01-05,1289508,125958,1163550,1.0,54.5,18.7,20.0,6.8,IEF:19.2%;HYG:24.2%;GLD:19.8%;TSLA:24.2%;BRK.B:12.7%,US:74.5;EU:9.4;APAC:10.5;EM:5.5;Other:0.1,Value:+0.9;Growth:+0.6;Quality:-0.8;Size:+0.4;Momentum:-0.3;LowVol:+0.4,,8,35,5.2,trailing 8%,132,23.4,Bull,12.8,4.43,3.1,110,52,89,42,false,NoAction,Within bands; monitor,20,1,BrokerB,MKT,0,None,None,Normal monitoring,-25,-15,16,3,false,Within IPS guidelines
P4382,Cautious,401k,USD,2024-12-18,742523,81528,660995,1.0,45.0,30.2,10.6,14.1,VTI:23.6%;TLT:25.6%;GLD:25.1%;VOO:25.6%,US:65.1;EU:9.7;APAC:16.0;EM:3.9;Other:5.4,Value:-0.8;Growth:-0.6;Quality:+0.9;Size:+0.9;Momentum:-0.4;LowVol:+0.7,ESGOnly;MaxPos6%;NoMargin,5,35,5.8,trailing 8%,121,15.2,Volatile,31.4,4.64,3.0,162,-10,39,67,true,Hedge,Buy index puts 1% notional,11,-3,BrokerD,MKT,98,Drift>tolerance,Hedge,Allocation drift beyond policy bands,78,-50,74,2,true,Tighten stops on momentum names
P4383,Cautious,Roth,USD,2024-07-27,835403,129042,706361,1.0,37.1,41.3,9.6,12.1,AMZN:21.2%;QQQ:21.2%;MSFT:21.2%;HYG:13.1%;TLT:11.6%;TSLA:11.8%,US:72.3;EU:4.6;APAC:12.2;EM:9.1;Other:1.8,Value:-0.6;Growth:+0.8;Quality:-0.4;Size:+0.7;Momentum:+0.2;LowVol:-0.5,MaxPos5%;NoMargin,8,25,4.8,hard 10%,123,12.4,Sideways,15.6,4.59,3.4,92,49,64,25,false,Hedge,Add TLT +1% as duration hedge,-1,13,BrokerB,LMT,85,None,None,Normal monitoring,46,20,83,4,false,Monitor dispersion and breadth
P4384,Opportunistic,Taxable,USD,2025-04-26,950972,55710,895262,1.0,73.4,19.8,0.4,6.4,IEF:28.6%;TLT:26.4%;AAPL:28.6%;BRK.B:16.3%,US:64.6;EU:14.6;APAC:11.1;EM:8.2;Other:1.5,Value:+0.2;Growth:-0.1;Quality:-0.2;Size:-0.4;Momentum:-0.2;LowVol:-0.3,NoDerivatives,7,25,4.1,trailing 9%,277,29.1,Sideways,18.7,4.45,2.8,139,12,62,68,true,Hedge,Buy index puts 1% notional,14,-17,BrokerD,LMT,99,VAR>budget,Reduce,Risk above budget threshold,55,-38,140,3,false,Tax-aware sells next window
P4385,Active,Taxable,USD,2025-06-27,2049064,193726,1855338,1.0,53.9,28.8,11.3,5.9,AAPL:22.9%;BRK.B:22.9%;TSLA:17.6%;VTI:13.7%;AMZN:22.9%,US:66.4;EU:19.9;APAC:6.5;EM:4.0;Other:3.2,Value:-0.1;Growth:-0.3;Quality:+0.8;Size:-0.4;Momentum:+0.7;LowVol:+0.8,MaxPos7%,7,30,5.4,hard 12%,187,20.5,Volatile,20.9,4.09,4.1,177,17,48,52,false,Buy,Add to core equity +1%,-10,-23,BrokerA,VWAP,87,None,None,Normal monitoring,9,-55,35,4,false,Tax-aware sells next window
P4386,Cautious,Roth,USD,2024-10-08,284026,29164,254862,1.0,46.8,33.1,3.8,16.3,TLT:25.0%;IEF:25.0%;VOO:25.0%;TSLA:25.0%,US:67.5;EU:16.4;APAC:9.1;EM:6.0;Other:1.0,Value:+0.3;Growth:+0.3;Quality:-0.1;Size:-0.1;Momentum:-0.8;LowVol:-0.6,ESGOnly;MaxPos8%;NoMargin,5,35,4.8,trailing 10%,145,13.2,Bull,11.7,3.51,3.4,112,51,87,29,false,Rebalance,Shift +1% to bonds from equity,25,14,BrokerD,MKT,90,None,None,Normal monitoring,100,-54,154,5,false,Increase defensive factor exposure
P4387,Systematic,IRA,USD,2025-10-14,720776,54073,666703,1.0,62.4,24.8,3.1,9.7,XLF:35.3%;GLD:35.3%;MUB:29.5%,US:68.8;EU:11.1;APAC:8.1;EM:7.2;Other:4.8,Value:0.0;Growth:-0.6;Quality:+0.5;Size:-0.0;Momentum:-1.0;LowVol:+0.1,,10,35,4.8,trailing 8%,121,22.9,Volatile,28.0,4.14,2.5,141,-4,62,69,true,Rebalance,Rebalance back to target bands,35,10,BrokerB,LMT,90,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-21,-59,13,5,false,Tax-aware sells next window
P4388,Cautious,401k,USD,2025-11-02,191791,24734,167057,1.0,36.7,42.0,7.1,14.1,BRK.B:26.2%;GLD:21.3%;XLF:26.2%;TLT:26.2%,US:69.0;EU:17.9;APAC:5.9;EM:6.5;Other:0.8,Value:+0.1;Growth:+0.1;Quality:+1.0;Size:+0.2;Momentum:+0.8;LowVol:-0.3,NoDerivatives;NoMargin,10,35,3.2,trailing 8%,117,17.1,Bear,25.7,4.18,2.3,205,0,42,47,false,Hedge,Add TLT +1% as duration hedge,-9,15,BrokerC,LMT,90,None,None,Normal monitoring,-56,-13,-39,3,false,Monitor dispersion and breadth
P4389,Active,Roth,USD,2025-05-23,1250755,100326,1150429,1.0,64.9,30.0,0.0,5.0,QQQ:33.3%;VOO:33.3%;AMZN:33.3%,US:66.2;EU:11.2;APAC:12.0;EM:6.8;Other:3.8,Value:+0.3;Growth:-0.4;Quality:-0.6;Size:+0.2;Momentum:+0.9;LowVol:-0.8,,5,30,4.8,hard 12%,147,24.3,Bull,15.9,4.95,3.1,119,11,45,60,false,Rebalance,Shift +1% to bonds from equity,15,6,BrokerB,MKT,89,None,None,Normal monitoring,-36,-52,81,5,false,Tighten stops on momentum names
P4390,Hands-off,Taxable,USD,2025-03-13,856218,37235,818983,1.0,62.4,20.8,8.7,8.1,VOO:8.8%;BND:20.6%;MSFT:20.6%;AAPL:17.7%;MUB:20.6%;QQQ:11.8%,US:63.5;EU:14.3;APAC:13.7;EM:6.4;Other:2.2,Value:+0.8;Growth:-0.5;Quality:-0.8;Size:-0.6;Momentum:+1.0;LowVol:+0.5,,5,30,4.0,trailing 10%,90,14.5,Bull,16.4,4.93,3.0,82,96,89,49,false,Hedge,Add TLT +1% as duration hedge,28,-11,BrokerB,VWAP,88,None,None,Normal monitoring,-10,-17,18,5,false,Tax-aware sells next window
P4391,Opportunistic,401k,USD,2025-01-09,351223,20208,331015,1.0,63.0,10.8,21.8,4.4,VTI:25.0%;XLF:25.0%;GLD:25.0%;QQQ:25.0%,US:68.4;EU:12.1;APAC:9.3;EM:9.1;Other:1.1,Value:-0.7;Growth:-0.3;Quality:+0.7;Size:+0.8;Momentum:+0.7;LowVol:-0.9,NoDerivatives,8,30,5.8,trailing 9%,180,21.9,Bull,11.7,3.95,2.4,81,116,100,40,false,Rebalance,Shift +1% to bonds from equity,27,13,BrokerD,VWAP,96,None,None,Normal monitoring,61,-30,122,5,false,Monitor dispersion and breadth
P4392,Active,IRA,USD,2025-01-10,1503034,119616,1383418,1.0,50.9,18.4,23.4,7.3,MSFT:20.7%;TSLA:7.0%;BRK.B:13.1%;QQQ:18.0%;VNQ:20.7%;MUB:20.5%,US:61.5;EU:15.9;APAC:7.9;EM:12.7;Other:2.1,Value:0.0;Growth:-0.5;Quality:+0.6;Size:-0.5;Momentum:-0.2;LowVol:-0.3,,6,25,5.9,trailing 8%,229,17.2,Volatile,31.8,3.65,3.1,149,68,78,74,true,Hedge,Buy index puts 1% notional,-13,-38,BrokerC,VWAP,86,VAR>budget,TightenStops,Risk above budget threshold,-27,-14,71,5,false,Monitor dispersion and breadth
P4393,Active,IRA,USD,2025-06-20,1146567,97713,1048854,1.21,67.9,19.1,3.5,9.5,IEF:35.6%;HYG:28.9%;VNQ:35.6%,US:73.0;EU:9.3;APAC:8.4;EM:8.5;Other:0.9,Value:-1.0;Growth:-0.6;Quality:-0.9;Size:+0.7;Momentum:-0.7;LowVol:+0.7,,7,35,5.8,trailing 8%,127,19.7,Bull,14.9,4.82,3.5,72,38,79,48,false,Hedge,Add TLT +1% as duration hedge,-7,-30,BrokerB,LMT,88,None,None,Normal monitoring,-30,-50,12,5,false,Tax-aware sells next window
P4394,Cautious,Roth,USD,2025-08-18,287186,27559,259627,1.0,43.0,34.4,7.0,15.6,VNQ:12.9%;AAPL:21.9%;MUB:21.9%;VOO:21.9%;XLF:21.6%,US:63.7;EU:14.7;APAC:15.3;EM:5.5;Other:0.8,Value:+0.7;Growth:+0.1;Quality:-0.0;Size:+0.8;Momentum:-0.3;LowVol:-0.6,ESGOnly;MaxPos8%;NoMargin,7,35,3.8,trailing 8%,123,14.9,Bull,15.1,4.09,2.0,104,104,100,45,false,NoAction,Within bands; monitor,12,-11,BrokerD,LMT,88,None,None,Normal monitoring,103,-14,157,5,false,Within IPS guidelines
P4395,Active,Taxable,USD,2025-04-25,501525,50990,450535,1.0,55.2,31.2,5.3,8.3,MUB:7.6%;IEF:21.6%;BRK.B:8.6%;GLD:21.6%;VOO:19.2%;AMZN:21.4%,US:66.7;EU:6.0;APAC:9.2;EM:12.7;Other:5.4,Value:+0.9;Growth:-0.1;Quality:-0.1;Size:-0.5;Momentum:-0.9;LowVol:+0.7,,10,30,5.7,trailing 8%,137,23.3,Bear,25.1,3.45,1.9,153,8,40,55,false,Buy,Add to core equity +1%,0,-20,BrokerD,MKT,86,None,None,Normal monitoring,23,-5,-6,4,false,Monitor dispersion and breadth
P4396,Systematic,Trust,USD,2024-10-22,1537238,109305,1427933,1.0,60.9,30.8,0.0,8.3,AMZN:37.1%;VNQ:25.8%;BND:37.1%,US:67.0;EU:5.4;APAC:13.2;EM:9.8;Other:4.5,Value:+0.8;Growth:+0.5;Quality:+0.5;Size:-0.4;Momentum:+0.4;LowVol:+0.7,,7,30,5.5,trailing 8%,221,25.2,Bull,15.1,4.12,2.3,82,62,87,40,false,Rebalance,Shift +1% to bonds from equity,24,-13,BrokerC,LMT,96,None,None,Normal monitoring,40,-53,84,3,false,Tax-aware sells next window
P4397,Systematic,IRA,USD,2025-01-10,1432764,73480,1359284,1.0,62.1,21.1,7.8,9.0,VNQ:13.5%;AAPL:21.7%;HYG:21.7%;QQQ:12.3%;AMZN:9.0%;VTI:21.7%,US:64.9;EU:18.0;APAC:7.9;EM:4.1;Other:5.1,Value:+0.5;Growth:+1.0;Quality:+0.8;Size:-0.4;Momentum:-0.0;LowVol:+0.8,MaxPos5%,10,25,5.5,trailing 9%,194,24.9,Volatile,25.0,3.61,4.1,147,74,75,77,true,Rebalance,Rebalance back to target bands,-4,-36,BrokerB,LMT,100,Drift>tolerance,Hedge,Allocation drift beyond policy bands,44,-18,47,5,false,Increase defensive factor exposure
P4398,Hands-off,IRA,USD,2025-08-13,565718,36048,529670,1.0,63.4,27.4,1.2,8.0,MSFT:22.5%;TLT:12.9%;AAPL:7.9%;VOO:13.7%;XLF:20.4%;HYG:22.5%,US:59.0;EU:14.3;APAC:11.5;EM:10.6;Other:4.7,Value:-0.8;Growth:+0.4;Quality:-0.6;Size:+0.8;Momentum:+1.0;LowVol:+0.1,ESGOnly,7,35,4.3,trailing 10%,94,16.3,Volatile,27.9,5.02,4.4,132,38,67,83,true,Reduce,"Cut high-beta by 2-3%, add cash",28,-23,BrokerC,LMT,89,VAR>budget,Hedge,Risk above budget threshold,60,-57,120,2,false,Tax-aware sells next window
P4399,Hands-off,401k,USD,2025-03-15,709464,57622,651842,1.0,67.4,22.2,2.5,8.0,XLF:20.7%;VTI:23.0%;TLT:23.0%;BND:19.6%;VNQ:13.6%,US:58.4;EU:18.0;APAC:12.8;EM:6.8;Other:4.0,Value:+0.4;Growth:+0.6;Quality:+0.1;Size:+0.8;Momentum:-0.3;LowVol:+0.1,,5,35,5.1,hard 10%,121,17.3,Sideways,21.8,4.79,2.8,129,49,88,74,true,Hedge,Buy index puts 1% notional,26,9,BrokerC,MKT,95,Drift>tolerance,Reduce,Allocation drift beyond policy bands,50,-6,79,4,false,Tax-aware sells next window
P4400,Systematic,Trust,USD,2025-09-28,1964663,99292,1865371,1.0,66.4,25.4,1.7,6.5,MSFT:25.1%;VNQ:9.6%;QQQ:25.1%;AAPL:13.8%;TLT:14.2%;HYG:12.2%,US:61.9;EU:16.2;APAC:5.4;EM:12.5;Other:4.0,Value:-0.3;Growth:+0.3;Quality:+0.5;Size:+0.1;Momentum:-0.5;LowVol:-0.6,,8,30,4.3,hard 12%,171,27.5,Bull,12.5,4.37,3.4,85,54,87,47,false,Sell,Trim extended winner -1%,13,-5,BrokerB,LMT,92,None,None,Normal monitoring,41,0,17,5,false,Tax-aware sells next window
P4401,Hands-off,IRA,USD,2025-03-11,402963,28194,374769,1.0,65.3,23.0,5.7,6.0,MUB:21.6%;VOO:20.6%;IEF:21.6%;HYG:17.4%;GLD:18.9%,US:65.1;EU:13.0;APAC:10.4;EM:9.6;Other:1.9,Value:-0.2;Growth:+1.0;Quality:-0.6;Size:-1.0;Momentum:-0.4;LowVol:+0.3,ESGOnly,5,25,3.6,trailing 8%,93,16.1,Volatile,30.0,4.87,3.6,125,34,68,71,true,Reduce,"Cut high-beta by 2-3%, add cash",-7,-18,BrokerB,MKT,94,VAR>budget,TightenStops,Risk above budget threshold,24,-59,78,5,false,Increase defensive factor exposure
P4402,Cautious,Taxable,USD,2025-07-27,688724,82459,606265,1.0,49.2,38.4,0.0,12.4,BND:33.3%;HYG:33.3%;XLF:33.3%,US:57.8;EU:17.9;APAC:9.6;EM:9.7;Other:5.0,Value:-1.0;Growth:+0.9;Quality:+0.5;Size:+0.1;Momentum:-0.6;LowVol:+0.9,ESGOnly;NoMargin,6,25,5.4,trailing 8%,131,14.2,Bear,34.3,4.48,3.0,199,-59,24,76,true,Hedge,Buy index puts 1% notional,-9,-40,BrokerD,LMT,87,VAR>budget,Hedge,Risk above budget threshold,-31,-48,23,5,false,Increase defensive factor exposure
P4403,Cautious,IRA,USD,2024-12-23,730676,76548,654128,1.0,47.7,33.4,4.1,14.8,VOO:24.2%;GLD:15.7%;VNQ:20.8%;AMZN:15.0%;IEF:24.2%,US:58.4;EU:14.4;APAC:14.9;EM:7.4;Other:4.9,Value:+0.2;Growth:-0.2;Quality:-1.0;Size:-0.0;Momentum:+0.7;LowVol:-0.8,ESGOnly;NoMargin,5,35,5.1,trailing 8%,98,13.7,Sideways,19.6,4.28,3.4,126,-26,34,38,false,Rebalance,Shift +1% to bonds from equity,21,-9,BrokerB,MKT,91,None,None,Normal monitoring,52,14,52,5,false,Tighten stops on momentum names
P4404,Hands-off,Trust,USD,2025-11-28,868398,67905,800493,1.0,63.8,23.4,3.4,9.4,BRK.B:21.9%;IEF:22.7%;AAPL:22.7%;XLF:15.4%;MSFT:17.2%,US:78.1;EU:9.5;APAC:9.1;EM:3.1;Other:0.2,Value:+0.3;Growth:-0.3;Quality:-0.9;Size:-0.4;Momentum:-0.3;LowVol:+1.0,,10,30,5.9,hard 10%,168,17.3,Volatile,25.4,4.1,4.1,139,-8,55,67,false,Rebalance,Shift +1% to bonds from equity,5,-25,BrokerC,MKT,98,None,None,Normal monitoring,103,13,128,5,false,Monitor dispersion and breadth
P4405,Hands-off,401k,USD,2025-05-08,832994,61860,771134,1.0,60.8,27.1,2.5,9.6,XLF:11.0%;GLD:19.0%;VOO:20.3%;TSLA:20.3%;IEF:19.2%;VTI:10.1%,US:59.5;EU:12.3;APAC:16.3;EM:10.3;Other:1.6,Value:-0.3;Growth:-0.6;Quality:-0.7;Size:-0.9;Momentum:-0.9;LowVol:+0.1,ESGOnly;NoDerivatives,6,35,3.2,trailing 8%,138,15.9,Bull,15.0,4.62,3.2,78,23,64,38,false,Rebalance,Shift +1% to bonds from equity,-6,-19,BrokerA,MKT,85,None,None,Normal monitoring,-35,0,20,3,false,Increase defensive factor exposure
P4406,Systematic,401k,USD,2024-07-22,1156731,96140,1060591,1.0,68.6,25.2,0.0,6.1,XLF:33.3%;BRK.B:33.3%;VTI:33.3%,US:67.9;EU:12.5;APAC:8.0;EM:9.0;Other:2.7,Value:+0.2;Growth:-0.9;Quality:-1.0;Size:+0.4;Momentum:+0.3;LowVol:-0.2,MaxPos8%,7,25,4.2,trailing 9%,131,26.5,Sideways,20.8,3.66,3.1,125,-17,53,71,true,Reduce,"Cut high-beta by 2-3%, add cash",7,-19,BrokerB,LMT,89,Drift>tolerance,Pause,Allocation drift beyond policy bands,91,-6,188,4,false,Within IPS guidelines
P4407,Hands-off,Trust,USD,2025-11-09,490123,43298,446825,1.0,62.5,22.1,5.6,9.8,XLF:33.3%;TSLA:33.3%;AMZN:33.3%,US:66.6;EU:17.2;APAC:5.6;EM:9.6;Other:1.0,Value:-1.0;Growth:+0.9;Quality:+0.3;Size:+0.5;Momentum:+0.6;LowVol:-0.2,MaxPos7%,8,25,5.2,hard 10%,141,19.8,Bear,34.5,3.82,2.4,182,-47,23,77,true,Rebalance,Rebalance back to target bands,9,15,BrokerA,MKT,87,Drift>tolerance,Pause,Allocation drift beyond policy bands,41,16,159,3,false,Tax-aware sells next window
P4408,Opportunistic,IRA,USD,2025-05-15,1552563,85131,1467432,1.2,64.5,10.1,17.2,8.2,BRK.B:26.9%;AMZN:26.9%;VOO:26.9%;VTI:19.4%,US:55.9;EU:20.1;APAC:10.5;EM:11.8;Other:1.7,Value:-0.3;Growth:-0.6;Quality:-0.7;Size:+0.6;Momentum:+0.5;LowVol:-0.4,NoDerivatives,7,35,5.5,trailing 9%,255,21.9,Sideways,18.5,3.96,3.3,107,15,68,62,false,Rebalance,Shift +1% to bonds from equity,-1,3,BrokerA,MKT,86,None,None,Normal monitoring,-33,0,72,4,false,Increase defensive factor exposure
P4409,Active,Taxable,USD,2025-04-19,805672,86867,718805,1.0,58.6,25.1,8.9,7.4,VNQ:33.3%;VTI:33.3%;TLT:33.3%,US:59.0;EU:18.8;APAC:14.1;EM:6.4;Other:1.6,Value:+0.7;Growth:+0.9;Quality:-0.5;Size:-0.8;Momentum:-0.0;LowVol:+0.7,,5,35,4.4,trailing 8%,206,17.9,Sideways,19.3,3.73,3.1,102,7,46,48,false,Hedge,Add TLT +1% as duration hedge,-4,-24,BrokerC,MKT,89,None,None,Normal monitoring,-21,-59,2,3,false,Within IPS guidelines
P4410,Active,Taxable,USD,2025-09-01,1829498,111963,1717535,1.0,57.3,29.5,3.9,9.2,TSLA:24.2%;MSFT:24.0%;TLT:25.9%;VOO:25.9%,US:68.1;EU:13.2;APAC:7.9;EM:6.5;Other:4.3,Value:-0.3;Growth:-0.3;Quality:-0.1;Size:-0.4;Momentum:+0.4;LowVol:+0.1,,8,35,4.6,trailing 8%,196,19.9,Sideways,19.2,4.39,2.0,130,21,73,51,false,Sell,Trim extended winner -1%,24,5,BrokerA,MKT,89,None,None,Normal monitoring,41,-17,3,5,false,Monitor dispersion and breadth
P4411,Systematic,Trust,USD,2025-12-17,1978744,172819,1805925,1.0,61.8,31.8,0.0,6.3,TSLA:33.3%;MUB:33.3%;MSFT:33.3%,US:57.8;EU:19.7;APAC:7.1;EM:11.1;Other:4.4,Value:-0.0;Growth:-0.7;Quality:-0.2;Size:+0.1;Momentum:-0.3;LowVol:+0.2,,8,30,4.1,hard 12%,185,24.9,Sideways,21.0,3.66,2.1,135,-22,25,56,false,Rebalance,Shift +1% to bonds from equity,22,-8,BrokerA,MKT,98,None,None,Normal monitoring,49,12,106,3,false,Monitor dispersion and breadth
P4412,Active,Taxable,USD,2025-09-26,1623797,121299,1502498,1.0,66.1,19.6,8.8,5.6,AAPL:12.5%;VTI:13.1%;MUB:26.7%;GLD:26.7%;BND:21.0%,US:69.9;EU:6.9;APAC:10.1;EM:11.1;Other:2.0,Value:-0.9;Growth:+0.6;Quality:-0.2;Size:-0.9;Momentum:+0.1;LowVol:+0.2,,8,35,5.4,trailing 8%,199,25.3,Bull,14.7,4.29,2.9,77,0,53,54,false,Sell,Trim extended winner -1%,21,-38,BrokerB,LMT,86,None,None,Normal monitoring,-34,-26,18,3,false,Tax-aware sells next window
P4413,Hands-off,IRA,USD,2025-12-19,898437,43953,854484,1.0,73.1,16.1,4.2,6.6,QQQ:24.6%;MUB:21.9%;TSLA:26.7%;GLD:26.7%,US:64.4;EU:18.5;APAC:9.1;EM:6.9;Other:1.2,Value:0.0;Growth:+0.2;Quality:-0.6;Size:-0.0;Momentum:-1.0;LowVol:+0.9,ESGOnly;NoDerivatives,7,25,5.0,trailing 8%,127,17.5,Bear,22.0,3.69,1.6,137,18,56,62,false,Rebalance,Shift +1% to bonds from equity,28,-10,BrokerA,LMT,90,None,None,Normal monitoring,-47,-21,81,4,false,Tighten stops on momentum names
P4414,Cautious,Taxable,USD,2024-08-08,787601,102534,685067,1.0,41.6,42.6,0.0,15.8,GLD:19.3%;MSFT:22.0%;VNQ:20.5%;AMZN:21.9%;AAPL:16.2%,US:58.4;EU:19.4;APAC:7.2;EM:9.7;Other:5.3,Value:+1.0;Growth:+0.6;Quality:-0.9;Size:+0.5;Momentum:-0.6;LowVol:-0.5,NoMargin,8,25,4.6,trailing 8%,111,19.3,Bear,30.9,4.44,2.8,187,-34,25,67,false,Buy,Add to core equity +1%,24,-34,BrokerD,LMT,97,None,None,Normal monitoring,23,14,46,4,false,Increase defensive factor exposure
P4415,Hands-off,Roth,USD,2025-05-18,190828,13808,177020,1.0,55.1,17.1,19.7,8.1,HYG:15.4%;IEF:23.3%;MSFT:23.3%;AMZN:23.3%;VTI:14.6%,US:62.9;EU:19.8;APAC:10.5;EM:5.1;Other:1.7,Value:-0.2;Growth:-0.4;Quality:-0.3;Size:+0.4;Momentum:-0.9;LowVol:+0.7,,5,35,4.4,hard 10%,134,15.9,Bull,12.2,4.09,2.4,109,68,86,30,false,Buy,Add to core equity +1%,6,-26,BrokerD,LMT,85,None,None,Normal monitoring,87,13,116,3,false,Tax-aware sells next window
P4416,Opportunistic,401k,USD,2024-07-11,1736677,63562,1673115,1.0,63.5,20.9,9.5,6.1,VNQ:23.3%;VOO:23.3%;MSFT:18.7%;BND:23.3%;TSLA:11.5%,US:67.6;EU:11.0;APAC:14.4;EM:6.0;Other:1.0,Value:-0.7;Growth:+0.2;Quality:+0.7;Size:+0.9;Momentum:+0.9;LowVol:-0.8,MaxPos8%;NoDerivatives,6,30,5.6,trailing 9%,254,33.4,Bull,16.2,4.98,2.6,120,30,77,41,false,Sell,Trim extended winner -1%,25,-24,BrokerD,MKT,91,None,None,Normal monitoring,94,-37,225,5,false,Monitor dispersion and breadth
P4417,Hands-off,401k,USD,2025-07-03,761033,59566,701467,1.0,58.4,28.0,6.8,6.9,VNQ:25.9%;MUB:22.4%;BND:25.9%;MSFT:25.9%,US:60.4;EU:11.6;APAC:14.5;EM:9.8;Other:3.7,Value:+0.6;Growth:+0.5;Quality:-0.7;Size:-0.6;Momentum:+0.5;LowVol:+0.9,ESGOnly;MaxPos5%;NoDerivatives,5,30,5.7,trailing 10%,120,14.5,Bull,12.1,3.88,2.5,72,2,52,43,true,Reduce,"Cut high-beta by 2-3%, add cash",16,-33,BrokerB,LMT,87,Drift>tolerance,Pause,Allocation drift beyond policy bands,30,-59,69,3,false,Tighten stops on momentum names
P4418,Cautious,IRA,USD,2025-10-12,689217,65838,623379,1.0,53.6,33.2,0.0,13.2,AAPL:24.6%;AMZN:12.6%;TSLA:24.6%;XLF:21.7%;BND:16.5%,US:65.6;EU:14.0;APAC:6.3;EM:11.1;Other:3.0,Value:-0.6;Growth:-0.5;Quality:-0.5;Size:-0.3;Momentum:+0.4;LowVol:+0.6,ESGOnly;NoMargin,10,30,5.4,trailing 8%,158,19.3,Bull,16.8,3.54,2.5,109,2,46,53,false,Rebalance,Shift +1% to bonds from equity,-4,-4,BrokerC,MKT,97,None,None,Normal monitoring,84,2,60,3,false,Increase defensive factor exposure
P4419,Systematic,Trust,USD,2024-09-15,915541,62966,852575,1.0,67.3,23.6,0.0,9.1,HYG:27.6%;BND:21.1%;VNQ:23.8%;MSFT:27.6%,US:64.5;EU:13.8;APAC:11.2;EM:7.8;Other:2.7,Value:0.0;Growth:-0.0;Quality:+0.5;Size:+0.7;Momentum:+0.4;LowVol:+0.2,MaxPos5%,5,30,4.9,trailing 8%,223,17.8,Sideways,18.3,4.66,2.3,110,45,60,65,false,Rebalance,Shift +1% to bonds from equity,17,-9,BrokerA,MKT,87,None,None,Normal monitoring,27,-43,165,4,false,Tax-aware sells next window
P4420,Systematic,Trust,USD,2024-11-23,1452503,63186,1389317,1.0,56.7,20.2,14.5,8.6,HYG:33.3%;BND:33.3%;TLT:33.3%,US:56.8;EU:16.0;APAC:13.7;EM:10.8;Other:2.7,Value:-0.8;Growth:-0.9;Quality:+0.5;Size:-0.8;Momentum:+0.3;LowVol:-0.8,MaxPos6%,5,30,4.4,hard 12%,165,23.2,Bull,15.9,3.93,2.8,72,0,48,55,false,NoAction,Within bands; monitor,16,-32,BrokerC,VWAP,93,None,None,Normal monitoring,71,-23,111,4,false,Tax-aware sells next window
P4421,Hands-off,IRA,USD,2025-09-14,336640,31090,305550,1.0,63.1,16.0,12.3,8.7,GLD:18.6%;XLF:15.7%;BND:23.2%;VNQ:9.3%;MSFT:10.0%;TLT:23.2%,US:72.6;EU:11.1;APAC:8.4;EM:7.1;Other:0.8,Value:-0.7;Growth:-0.1;Quality:-0.3;Size:+0.9;Momentum:+0.4;LowVol:-0.9,ESGOnly,5,35,4.8,trailing 8%,155,16.3,Sideways,20.2,3.65,3.2,97,27,74,50,false,NoAction,Within bands; monitor,-13,-15,BrokerC,VWAP,93,None,None,Normal monitoring,100,-39,146,5,false,Within IPS guidelines
P4422,Active,401k,USD,2024-08-07,1691887,104891,1586996,1.24,67.6,24.1,0.0,8.4,VOO:35.7%;XLF:28.5%;TSLA:35.7%,US:58.7;EU:17.4;APAC:15.7;EM:5.3;Other:2.9,Value:+0.4;Growth:+0.9;Quality:+0.6;Size:-0.9;Momentum:-0.5;LowVol:-0.4,MaxPos5%,8,35,4.0,hard 12%,189,18.7,Sideways,19.8,3.74,3.3,97,-30,22,59,false,Hedge,Add TLT +1% as duration hedge,27,-33,BrokerB,LMT,100,None,None,Normal monitoring,52,-58,188,5,false,Tax-aware sells next window
P4423,Active,Roth,USD,2025-02-07,670923,43993,626930,1.07,66.6,26.2,0.0,7.1,TSLA:29.8%;HYG:35.1%;BND:35.1%,US:73.5;EU:13.6;APAC:5.8;EM:4.6;Other:2.5,Value:+0.3;Growth:+0.5;Quality:+0.4;Size:-0.7;Momentum:-0.8;LowVol:-0.3,MaxPos6%;NoDerivatives,5,35,4.2,trailing 8%,150,16.4,Volatile,29.2,4.76,2.3,128,-13,33,76,true,Rebalance,Rebalance back to target bands,7,-25,BrokerB,MKT,87,Drift>tolerance,Reduce,Allocation drift beyond policy bands,34,-4,8,2,false,Within IPS guidelines
P4424,Hands-off,IRA,USD,2025-10-23,460835,42130,418705,1.0,66.7,27.6,0.0,5.6,TLT:25.7%;GLD:25.7%;HYG:23.0%;IEF:25.7%,US:70.3;EU:15.9;APAC:5.8;EM:7.1;Other:0.9,Value:-0.5;Growth:-0.2;Quality:-0.8;Size:+0.5;Momentum:+0.4;LowVol:-0.7,ESGOnly;MaxPos7%,10,25,4.1,hard 10%,115,12.4,Bull,14.9,3.89,2.0,101,33,62,54,false,Rebalance,Shift +1% to bonds from equity,-14,-25,BrokerB,LMT,88,None,None,Normal monitoring,96,-22,212,3,false,Monitor dispersion and breadth
P4425,Active,IRA,USD,2024-09-04,1920357,192070,1728287,1.0,64.1,19.7,9.3,6.8,TSLA:19.5%;AAPL:22.0%;VTI:23.3%;MUB:11.8%;BRK.B:23.3%,US:58.3;EU:9.6;APAC:16.5;EM:10.3;Other:5.3,Value:-0.8;Growth:+0.5;Quality:-0.9;Size:+0.5;Momentum:-0.5;LowVol:-0.1,MaxPos8%;NoDerivatives,8,30,5.6,trailing 9%,216,25.0,Bull,16.1,4.47,2.1,81,3,64,55,true,Hedge,Buy index puts 1% notional,5,12,BrokerA,LMT,88,VAR>budget,Hedge,Risk above budget threshold,115,-52,79,4,false,Increase defensive factor exposure
P4426,Hands-off,Taxable,USD,2025-04-20,587169,32907,554262,1.0,65.5,18.3,7.5,8.6,VTI:19.0%;HYG:24.2%;VNQ:19.2%;MUB:13.3%;BND:24.2%,US:70.3;EU:7.9;APAC:13.3;EM:4.9;Other:3.6,Value:-0.7;Growth:-0.9;Quality:+0.7;Size:-0.6;Momentum:+0.6;LowVol:-0.3,ESGOnly,8,30,4.2,trailing 8%,163,15.1,Sideways,19.0,3.92,2.7,127,-21,39,62,false,Hedge,Add TLT +1% as duration hedge,-3,-23,BrokerA,MKT,89,None,None,Normal monitoring,-32,-44,78,5,false,Increase defensive factor exposure
P4427,Active,Roth,USD,2024-07-08,769339,69591,699748,1.0,66.8,24.7,0.0,8.5,GLD:21.7%;MUB:17.1%;BRK.B:18.8%;QQQ:21.7%;XLF:20.7%,US:65.0;EU:18.2;APAC:11.6;EM:4.7;Other:0.6,Value:-0.1;Growth:+0.3;Quality:-0.1;Size:-0.1;Momentum:-0.7;LowVol:-0.1,MaxPos6%,7,30,5.1,trailing 8%,211,23.9,Bear,24.7,4.43,2.7,170,11,41,70,true,Hedge,Buy index puts 1% notional,0,-19,BrokerB,LMT,92,Drift>tolerance,Hedge,Allocation drift beyond policy bands,108,-15,96,4,false,Increase defensive factor exposure
P4428,Opportunistic,Taxable,USD,2025-11-05,1797772,125300,1672472,1.06,60.5,14.3,18.2,7.0,BRK.B:22.4%;MSFT:21.7%;AMZN:11.1%;IEF:22.3%;AAPL:22.4%,US:68.8;EU:7.7;APAC:8.6;EM:12.7;Other:2.2,Value:-0.4;Growth:+0.6;Quality:+0.9;Size:-0.3;Momentum:-0.3;LowVol:+0.3,,6,25,5.9,trailing 7%,262,32.2,Bear,23.9,3.46,2.2,140,30,66,62,false,Buy,Add to core equity +1%,-9,-29,BrokerB,MKT,93,None,None,Normal monitoring,14,-8,73,4,false,Increase defensive factor exposure
P4429,Hands-off,Roth,USD,2024-09-15,736358,44706,691652,1.0,61.1,22.3,10.0,6.6,TLT:22.2%;BRK.B:13.3%;MUB:21.1%;VOO:21.1%;MSFT:22.2%,US:63.0;EU:19.2;APAC:5.4;EM:10.7;Other:1.7,Value:+0.1;Growth:-0.1;Quality:-0.6;Size:+0.9;Momentum:-0.8;LowVol:+0.7,,10,30,3.7,hard 10%,140,13.6,Bull,15.0,3.53,2.9,111,6,66,46,false,Hedge,Add TLT +1% as duration hedge,1,-28,BrokerB,LMT,89,None,None,Normal monitoring,-46,0,-49,3,false,Within IPS guidelines
P4430,Hands-off,401k,USD,2024-08-12,174236,14897,159339,1.0,65.4,20.4,8.4,5.8,VNQ:21.3%;VTI:19.9%;BND:21.3%;TLT:7.7%;BRK.B:8.5%;AAPL:21.3%,US:61.2;EU:17.2;APAC:13.6;EM:7.4;Other:0.6,Value:+1.0;Growth:-0.2;Quality:+0.6;Size:+0.3;Momentum:-0.1;LowVol:+0.4,,6,35,4.6,trailing 8%,96,14.1,Volatile,21.8,4.58,4.3,128,-15,49,60,false,Buy,Add to core equity +1%,8,0,BrokerD,LMT,95,None,None,Normal monitoring,15,-5,36,4,false,Tax-aware sells next window
P4431,Hands-off,IRA,USD,2024-07-21,448434,31481,416953,1.0,66.7,26.8,0.1,6.4,VNQ:20.2%;HYG:14.1%;VTI:17.4%;TSLA:13.2%;VOO:18.0%;QQQ:17.1%,US:60.4;EU:16.2;APAC:17.2;EM:4.4;Other:1.8,Value:+0.1;Growth:-0.3;Quality:+0.6;Size:-0.8;Momentum:+0.6;LowVol:-0.6,MaxPos7%;NoDerivatives,7,25,5.0,trailing 8%,93,17.2,Bull,17.1,4.55,2.9,96,104,100,45,false,NoAction,Within bands; monitor,22,-35,BrokerD,MKT,0,None,None,Normal monitoring,8,17,20,3,false,Within IPS guidelines
P4432,Active,401k,USD,2025-08-29,2208042,260252,1947790,1.0,51.0,29.3,10.1,9.6,TLT:33.3%;MSFT:33.3%;BND:33.3%,US:66.3;EU:11.1;APAC:13.2;EM:9.2;Other:0.2,Value:-0.9;Growth:-1.0;Quality:+0.2;Size:-0.9;Momentum:-0.8;LowVol:-0.9,,7,35,4.4,trailing 9%,196,18.3,Bull,12.1,3.77,3.5,110,85,85,42,true,Reduce,"Cut high-beta by 2-3%, add cash",-14,-36,BrokerA,MKT,91,VAR>budget,Hedge,Risk above budget threshold,43,-39,180,4,false,Tighten stops on momentum names
P4433,Active,Trust,USD,2025-12-10,1795370,188912,1606458,1.0,56.6,23.2,13.1,7.1,IEF:16.5%;TLT:23.8%;HYG:23.8%;GLD:12.2%;VNQ:23.8%,US:65.1;EU:9.1;APAC:12.1;EM:9.5;Other:4.2,Value:-0.4;Growth:-0.7;Quality:+0.2;Size:-0.6;Momentum:+0.7;LowVol:-0.7,,8,30,4.6,hard 12%,167,21.3,Bull,12.4,4.18,2.0,114,66,86,28,false,Buy,Add to core equity +1%,20,-25,BrokerA,LMT,96,None,None,Normal monitoring,14,-10,94,4,false,Within IPS guidelines
P4434,Active,Taxable,USD,2024-07-30,1402743,90601,1312142,1.0,55.2,19.5,16.6,8.7,MUB:22.2%;VNQ:21.1%;HYG:22.2%;TLT:22.2%;BRK.B:12.3%,US:60.9;EU:21.8;APAC:8.1;EM:6.3;Other:2.9,Value:0.0;Growth:-0.6;Quality:-0.8;Size:+0.3;Momentum:+0.8;LowVol:+0.2,NoDerivatives,8,25,4.8,hard 12%,127,25.6,Volatile,24.4,3.9,4.2,115,-39,25,53,false,Buy,Add to core equity +1%,16,-33,BrokerB,MKT,94,None,None,Normal monitoring,79,-23,118,4,false,Increase defensive factor exposure
P4435,Cautious,IRA,USD,2025-05-14,215538,30431,185107,1.0,35.8,35.5,17.0,11.7,QQQ:15.3%;TSLA:15.6%;BRK.B:16.2%;IEF:17.1%;AMZN:15.5%;VTI:20.2%,US:66.1;EU:10.7;APAC:12.4;EM:6.4;Other:4.4,Value:-0.2;Growth:+0.4;Quality:-0.4;Size:-0.2;Momentum:+0.7;LowVol:-0.6,ESGOnly;MaxPos7%;NoMargin,7,25,3.6,trailing 8%,155,18.5,Bull,14.3,4.87,2.6,97,105,100,27,false,Hedge,Add TLT +1% as duration hedge,-2,-5,BrokerB,MKT,90,None,None,Normal monitoring,92,-28,146,4,false,Increase defensive factor exposure
P4436,Cautious,Roth,USD,2025-10-12,494486,43986,450500,1.0,45.8,37.9,0.0,16.3,AMZN:14.9%;VOO:16.0%;XLF:23.0%;QQQ:23.0%;TSLA:23.0%,US:73.9;EU:10.0;APAC:7.6;EM:8.4;Other:0.1,Value:-0.9;Growth:+0.9;Quality:-0.4;Size:+0.5;Momentum:-0.3;LowVol:-0.9,ESGOnly;MaxPos6%;NoMargin,8,35,3.2,trailing 8%,136,13.9,Sideways,17.7,3.68,3.0,124,54,84,49,false,Rebalance,Shift +1% to bonds from equity,16,-7,BrokerA,MKT,97,None,None,Normal monitoring,-11,5,126,5,false,Increase defensive factor exposure
P4437,Opportunistic,401k,USD,2025-05-18,715529,27980,687549,1.0,60.4,19.4,15.2,5.0,TSLA:22.0%;BND:8.0%;VTI:14.3%;GLD:12.1%;MUB:22.0%;MSFT:21.6%,US:72.9;EU:9.0;APAC:8.2;EM:8.9;Other:1.1,Value:-0.7;Growth:+0.8;Quality:+0.2;Size:+0.3;Momentum:+0.7;LowVol:+0.5,MaxPos7%,8,30,6.9,trailing 7%,206,32.4,Bull,16.3,4.7,2.5,84,117,100,38,false,NoAction,Within bands; monitor,7,-23,BrokerD,MKT,0,None,None,Normal monitoring,65,13,48,5,false,Monitor dispersion and breadth
P4438,Hands-off,IRA,USD,2025-05-10,453390,18193,435197,1.0,57.9,26.9,8.4,6.8,BND:33.3%;TSLA:33.3%;BRK.B:33.3%,US:70.0;EU:16.2;APAC:7.3;EM:4.5;Other:2.0,Value:+0.8;Growth:+0.5;Quality:+0.8;Size:-0.6;Momentum:-0.8;LowVol:+0.6,MaxPos8%,6,25,4.7,trailing 8%,121,16.2,Bear,30.9,3.12,2.2,142,34,62,79,true,Hedge,Buy index puts 1% notional,6,-34,BrokerB,MKT,93,RegimeShift,TightenStops,Volatility spike and breadth deterioration,104,-52,145,2,false,Tighten stops on momentum names
P4439,Opportunistic,IRA,USD,2025-09-23,933465,68534,864931,1.17,71.9,20.4,3.1,4.6,GLD:35.1%;HYG:29.8%;VNQ:35.1%,US:79.9;EU:6.4;APAC:7.5;EM:5.3;Other:0.8,Value:-0.4;Growth:+1.0;Quality:-0.9;Size:-0.6;Momentum:-0.0;LowVol:+0.6,MaxPos5%,5,25,5.8,hard 12%,223,29.5,Bull,16.4,3.57,2.9,102,57,78,57,true,Hedge,Buy index puts 1% notional,10,8,BrokerD,MKT,88,RegimeShift,Hedge,Volatility spike and breadth deterioration,26,7,6,2,true,Tighten stops on momentum names
P4440,Systematic,401k,USD,2025-07-26,524459,44662,479797,1.0,63.8,25.4,5.1,5.7,HYG:31.7%;MUB:34.1%;AMZN:34.1%,US:66.8;EU:6.0;APAC:14.9;EM:8.2;Other:4.2,Value:-0.9;Growth:+0.1;Quality:+0.3;Size:+0.5;Momentum:-0.8;LowVol:+0.8,NoDerivatives,7,25,5.4,hard 12%,215,22.1,Bull,11.7,4.45,3.0,101,96,100,38,false,Rebalance,Shift +1% to bonds from equity,31,-38,BrokerD,MKT,91,None,None,Normal monitoring,-27,-24,47,4,false,Increase defensive factor exposure
P4441,Active,Roth,USD,2024-12-13,2160030,193320,1966710,1.0,57.0,24.1,12.9,6.1,TLT:26.8%;VTI:26.8%;MUB:25.3%;AAPL:21.0%,US:56.0;EU:13.0;APAC:15.6;EM:11.9;Other:3.4,Value:-0.4;Growth:+0.2;Quality:-0.8;Size:-0.5;Momentum:+0.1;LowVol:-0.7,,10,35,5.4,hard 12%,158,21.8,Sideways,18.5,4.13,2.1,120,44,75,60,false,Rebalance,Shift +1% to bonds from equity,26,-33,BrokerD,LMT,100,None,None,Normal monitoring,-48,12,-79,3,false,Tighten stops on momentum names
P4442,Systematic,401k,USD,2025-10-25,1782279,92471,1689808,1.0,60.3,22.2,9.5,8.0,VNQ:22.2%;MSFT:22.2%;VOO:21.2%;GLD:22.2%;TLT:12.2%,US:69.8;EU:8.8;APAC:10.5;EM:8.5;Other:2.4,Value:0.0;Growth:-0.2;Quality:+0.3;Size:-0.4;Momentum:+0.8;LowVol:-0.4,,6,35,4.2,trailing 9%,153,26.3,Bear,22.0,3.94,1.8,155,-25,51,60,true,Reduce,"Cut high-beta by 2-3%, add cash",17,-3,BrokerB,MKT,92,RegimeShift,Hedge,Volatility spike and breadth deterioration,85,-15,104,3,false,Increase defensive factor exposure
P4443,Hands-off,Roth,USD,2025-07-27,510880,46371,464509,1.0,71.3,20.7,2.9,5.0,VOO:21.1%;GLD:12.6%;QQQ:17.2%;XLF:19.8%;VTI:8.2%;TSLA:21.1%,US:73.4;EU:9.0;APAC:6.3;EM:8.3;Other:3.1,Value:+0.5;Growth:-0.7;Quality:+1.0;Size:+0.7;Momentum:+1.0;LowVol:+0.7,,10,25,3.5,trailing 8%,132,13.0,Volatile,22.4,4.84,3.5,127,-9,54,60,false,Rebalance,Shift +1% to bonds from equity,22,-13,BrokerA,MKT,87,None,None,Normal monitoring,46,-43,137,3,false,Tax-aware sells next window
P4444,Cautious,Roth,USD,2025-05-19,177748,27606,150142,1.0,47.2,35.6,0.0,17.2,VOO:17.8%;IEF:15.7%;TSLA:22.2%;HYG:22.2%;BRK.B:22.2%,US:62.8;EU:16.7;APAC:7.1;EM:11.9;Other:1.5,Value:+0.2;Growth:+0.7;Quality:+0.9;Size:-0.1;Momentum:+0.4;LowVol:-0.1,MaxPos6%;NoMargin,7,35,3.5,hard 10%,150,15.0,Bear,26.4,4.46,1.3,208,-26,23,51,false,Rebalance,Shift +1% to bonds from equity,10,-19,BrokerD,MKT,98,None,None,Normal monitoring,89,-25,106,4,false,Monitor dispersion and breadth
P4445,Cautious,401k,USD,2025-02-14,153893,19625,134268,1.0,47.8,34.8,6.9,10.4,BRK.B:15.8%;MSFT:21.2%;AMZN:8.7%;GLD:16.5%;VTI:21.2%;VOO:16.5%,US:73.8;EU:6.5;APAC:10.1;EM:5.9;Other:3.7,Value:+0.4;Growth:+0.9;Quality:-0.3;Size:-0.3;Momentum:-0.9;LowVol:+0.3,ESGOnly;MaxPos7%;NoMargin,5,25,5.1,trailing 8%,130,14.4,Bull,18.0,3.64,2.1,113,38,58,39,true,Reduce,"Cut high-beta by 2-3%, add cash",-8,-8,BrokerA,MKT,95,Drift>tolerance,Pause,Allocation drift beyond policy bands,54,-4,40,3,false,Increase defensive factor exposure
P4446,Cautious,IRA,USD,2025-05-06,368805,43351,325454,1.0,43.7,30.4,9.5,16.3,AAPL:9.5%;TLT:16.2%;BRK.B:21.2%;GLD:21.5%;TSLA:20.9%;VOO:10.7%,US:59.2;EU:13.4;APAC:15.3;EM:10.5;Other:1.6,Value:+0.7;Growth:+0.2;Quality:-0.7;Size:+0.9;Momentum:-0.3;LowVol:-0.8,ESGOnly;NoDerivatives;NoMargin,8,25,5.0,hard 10%,150,15.4,Bull,15.9,4.1,3.0,101,116,100,29,false,Buy,Add to core equity +1%,27,-22,BrokerC,LMT,98,None,None,Normal monitoring,34,-34,98,3,false,Tax-aware sells next window
P4447,Opportunistic,Trust,USD,2025-04-20,665475,30741,634734,1.0,60.9,10.9,21.2,7.1,HYG:20.7%;VOO:8.1%;QQQ:16.6%;MSFT:13.2%;BRK.B:20.7%;MUB:20.7%,US:62.1;EU:15.7;APAC:12.2;EM:8.4;Other:1.7,Value:+0.5;Growth:+0.3;Quality:-1.0;Size:-0.3;Momentum:-0.1;LowVol:-0.9,NoDerivatives,7,25,4.8,hard 12%,183,22.9,Bear,28.8,4.01,2.6,140,31,60,75,true,Hedge,Buy index puts 1% notional,-7,7,BrokerD,LMT,94,VAR>budget,Hedge,Risk above budget threshold,-16,-13,87,5,false,Increase defensive factor exposure
P4448,Cautious,401k,USD,2024-08-05,854341,110158,744183,1.0,44.2,39.7,0.0,16.1,BND:22.5%;XLF:21.5%;MSFT:21.7%;AAPL:11.8%;GLD:22.5%,US:66.8;EU:13.1;APAC:5.6;EM:9.3;Other:5.2,Value:-0.0;Growth:-1.0;Quality:-0.7;Size:+0.6;Momentum:-0.5;LowVol:+0.5,ESGOnly;MaxPos7%;NoMargin,5,30,5.5,trailing 8%,97,14.3,Bear,26.6,3.96,2.4,153,-6,46,63,false,Buy,Add to core equity +1%,-4,-12,BrokerB,LMT,97,None,None,Normal monitoring,-25,-10,115,5,false,Increase defensive factor exposure
P4449,Hands-off,Trust,USD,2024-10-23,565170,56173,508997,1.0,61.3,29.7,0.0,9.0,TLT:28.5%;BND:14.4%;MUB:28.5%;AAPL:28.5%,US:64.7;EU:7.4;APAC:16.0;EM:6.2;Other:5.7,Value:-0.2;Growth:+0.2;Quality:-0.1;Size:+0.5;Momentum:+0.8;LowVol:-0.8,ESGOnly,10,25,5.4,hard 10%,115,13.8,Sideways,21.0,4.3,2.5,117,53,78,68,false,Rebalance,Shift +1% to bonds from equity,3,-16,BrokerA,LMT,87,None,None,Normal monitoring,-26,-30,104,4,false,Increase defensive factor exposure
P4450,Opportunistic,Trust,USD,2025-04-21,1329730,56624,1273106,1.0,61.2,15.2,17.4,6.2,HYG:11.4%;XLF:21.1%;QQQ:22.0%;IEF:22.7%;AMZN:22.7%,US:60.6;EU:16.4;APAC:10.8;EM:7.9;Other:4.3,Value:-0.3;Growth:+0.3;Quality:+0.9;Size:-0.4;Momentum:-0.5;LowVol:+0.7,NoDerivatives,7,25,5.8,trailing 9%,245,25.2,Bear,33.2,4.02,2.5,157,-77,8,80,true,Reduce,"Cut high-beta by 2-3%, add cash",21,-6,BrokerB,MKT,87,RegimeShift,Reduce,Volatility spike and breadth deterioration,-2,-58,7,2,false,Monitor dispersion and breadth
P4451,Hands-off,Roth,USD,2024-11-06,492174,46319,445855,1.0,72.2,15.7,3.9,8.3,VTI:27.0%;TLT:27.0%;BND:18.9%;HYG:27.0%,US:66.0;EU:11.6;APAC:13.7;EM:7.6;Other:1.1,Value:-0.5;Growth:-0.2;Quality:+0.9;Size:-0.6;Momentum:-0.6;LowVol:-0.7,ESGOnly;MaxPos6%;NoDerivatives,7,25,4.7,trailing 8%,123,12.9,Bear,28.4,3.49,2.7,198,18,73,70,false,Sell,Trim extended winner -1%,2,-18,BrokerB,VWAP,100,None,None,Normal monitoring,17,-1,-12,5,false,Monitor dispersion and breadth
P4452,Opportunistic,Trust,USD,2025-08-26,1582370,67396,1514974,1.0,66.5,13.8,11.2,8.5,VNQ:26.9%;MUB:26.9%;XLF:19.2%;TLT:26.9%,US:67.6;EU:17.3;APAC:7.6;EM:6.3;Other:1.1,Value:+0.9;Growth:0.0;Quality:-0.9;Size:-0.5;Momentum:+0.3;LowVol:-1.0,,8,25,6.1,hard 12%,247,30.8,Volatile,22.8,4.91,4.1,119,-37,21,69,false,Sell,Trim extended winner -1%,26,-30,BrokerD,VWAP,86,None,None,Normal monitoring,11,-36,5,5,false,Tighten stops on momentum names
P4453,Cautious,Trust,USD,2025-09-28,517940,63181,454759,1.0,46.9,33.6,3.6,15.9,AMZN:20.7%;MSFT:15.6%;BRK.B:20.3%;VNQ:23.9%;TLT:19.5%,US:67.8;EU:13.1;APAC:12.5;EM:4.3;Other:2.3,Value:+0.2;Growth:-0.1;Quality:-0.3;Size:-0.9;Momentum:-0.6;LowVol:+0.1,NoMargin,6,30,5.1,trailing 8%,105,13.9,Volatile,28.9,4.78,2.8,110,-9,49,68,true,Hedge,Buy index puts 1% notional,27,-38,BrokerC,MKT,86,VAR>budget,Reduce,Risk above budget threshold,55,4,42,3,false,Increase defensive factor exposure
P4454,Systematic,Trust,USD,2025-12-06,1797697,137526,1660171,1.0,60.9,32.4,0.0,6.7,BRK.B:19.3%;VOO:21.4%;TLT:21.4%;MSFT:16.6%;VTI:21.4%,US:68.4;EU:15.3;APAC:7.7;EM:4.6;Other:4.0,Value:0.0;Growth:-0.9;Quality:-0.2;Size:+0.1;Momentum:+0.5;LowVol:-0.5,MaxPos6%;NoDerivatives,5,25,4.2,trailing 8%,198,19.1,Bear,32.1,3.6,1.6,145,23,75,81,true,Hedge,Buy index puts 1% notional,-6,-16,BrokerA,MKT,89,VAR>budget,Reduce,Risk above budget threshold,57,7,173,2,false,Increase defensive factor exposure
P4455,Opportunistic,Taxable,USD,2024-07-22,984031,47881,936150,1.18,60.8,13.2,17.1,8.9,IEF:21.4%;HYG:7.9%;QQQ:18.4%;AAPL:9.5%;BND:21.4%;MUB:21.4%,US:70.1;EU:9.8;APAC:12.3;EM:5.4;Other:2.4,Value:+0.5;Growth:-0.4;Quality:+0.7;Size:-0.6;Momentum:+0.1;LowVol:-0.4,,5,30,5.8,hard 12%,279,33.5,Volatile,22.9,4.81,3.7,113,-9,31,55,false,Hedge,Add TLT +1% as duration hedge,17,0,BrokerA,MKT,98,None,None,Normal monitoring,46,1,117,3,false,Within IPS guidelines
P4456,Systematic,Taxable,USD,2025-08-26,1566877,78757,1488120,1.0,64.2,25.5,4.6,5.6,AMZN:33.3%;BND:33.3%;TLT:33.3%,US:68.7;EU:9.2;APAC:14.3;EM:5.9;Other:2.0,Value:+0.9;Growth:+0.1;Quality:-0.5;Size:-1.0;Momentum:+0.5;LowVol:-0.2,MaxPos7%,10,30,5.6,trailing 8%,133,26.4,Bear,34.2,3.89,2.9,163,-40,34,80,true,Reduce,"Cut high-beta by 2-3%, add cash",-8,-38,BrokerD,LMT,93,VAR>budget,TightenStops,Risk above budget threshold,-51,-60,46,4,false,Within IPS guidelines
P4457,Systematic,IRA,USD,2025-06-17,1719275,78669,1640606,1.0,65.5,26.9,0.0,7.6,BRK.B:10.4%;VNQ:23.2%;VTI:15.9%;HYG:16.7%;XLF:23.2%;IEF:10.6%,US:69.0;EU:11.4;APAC:8.0;EM:7.2;Other:4.4,Value:-0.8;Growth:-0.3;Quality:-0.4;Size:-0.0;Momentum:-0.9;LowVol:-0.5,NoDerivatives,10,25,4.8,hard 12%,223,25.1,Bear,32.4,3.18,1.4,217,24,63,81,true,Rebalance,Rebalance back to target bands,9,-14,BrokerA,LMT,93,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-44,-12,9,4,false,Monitor dispersion and breadth
P4458,Opportunistic,401k,USD,2025-07-14,1222408,93815,1128593,1.0,74.7,13.3,7.0,5.0,BRK.B:20.1%;AMZN:17.1%;MUB:12.8%;TSLA:12.5%;QQQ:18.6%;VNQ:19.0%,US:67.1;EU:15.2;APAC:5.2;EM:8.8;Other:3.8,Value:-0.0;Growth:+0.3;Quality:-0.3;Size:-0.3;Momentum:+0.8;LowVol:-0.9,NoDerivatives,10,30,6.6,hard 12%,238,29.0,Bear,33.3,3.77,2.7,159,26,61,82,true,Reduce,"Cut high-beta by 2-3%, add cash",15,13,BrokerD,MKT,91,VAR>budget,Pause,Risk above budget threshold,-57,18,-38,3,false,Tighten stops on momentum names
P4459,Active,Roth,USD,2024-09-22,1528931,175910,1353021,1.0,60.1,32.0,1.9,6.1,IEF:33.3%;MSFT:33.3%;TLT:33.3%,US:62.4;EU:18.0;APAC:10.4;EM:6.0;Other:3.2,Value:-0.3;Growth:-0.4;Quality:+0.4;Size:-0.4;Momentum:+0.9;LowVol:+0.4,MaxPos5%;NoDerivatives,7,30,5.8,hard 12%,127,16.3,Sideways,20.2,4.1,3.3,90,22,69,52,false,NoAction,Within bands; monitor,-6,14,BrokerD,MKT,0,None,None,Normal monitoring,105,-15,227,5,false,Tighten stops on momentum names
P4460,Cautious,IRA,USD,2024-11-22,865701,75267,790434,1.0,51.1,35.7,2.2,10.9,AAPL:33.3%;VOO:33.3%;BRK.B:33.3%,US:65.6;EU:6.9;APAC:16.8;EM:8.2;Other:2.5,Value:-0.5;Growth:-0.2;Quality:-0.1;Size:-0.1;Momentum:+0.3;LowVol:+0.2,ESGOnly;NoDerivatives;NoMargin,8,25,4.9,trailing 8%,140,18.9,Bear,32.4,3.95,2.8,176,-103,7,75,true,Hedge,Buy index puts 1% notional,23,0,BrokerB,LMT,98,Drift>tolerance,Reduce,Allocation drift beyond policy bands,106,-56,148,3,false,Within IPS guidelines
P4461,Systematic,Trust,USD,2025-10-15,1032010,45642,986368,1.0,67.0,26.6,0.0,6.4,BRK.B:11.4%;VTI:9.1%;MUB:18.6%;AAPL:20.2%;VNQ:20.3%;HYG:20.3%,US:57.5;EU:18.9;APAC:14.4;EM:9.1;Other:0.2,Value:-0.1;Growth:-0.2;Quality:0.0;Size:-0.4;Momentum:+0.8;LowVol:-0.7,,8,35,6.0,trailing 9%,223,19.4,Volatile,28.2,4.27,3.0,144,0,38,83,true,Reduce,"Cut high-beta by 2-3%, add cash",2,-2,BrokerD,MKT,95,Drift>tolerance,Reduce,Allocation drift beyond policy bands,16,-6,123,3,false,Increase defensive factor exposure
P4462,Hands-off,Roth,USD,2025-08-13,374084,31680,342404,1.0,62.0,24.1,5.1,8.8,IEF:26.2%;AAPL:21.5%;MUB:26.2%;AMZN:26.1%,US:78.5;EU:7.7;APAC:5.7;EM:5.5;Other:2.6,Value:-0.3;Growth:+0.7;Quality:-0.4;Size:+0.9;Momentum:+0.1;LowVol:-0.5,MaxPos7%;NoDerivatives,5,30,5.7,trailing 8%,117,18.0,Volatile,24.8,3.57,3.1,111,48,78,76,true,Hedge,Buy index puts 1% notional,9,4,BrokerA,VWAP,94,Drift>tolerance,Hedge,Allocation drift beyond policy bands,30,12,111,3,false,Tighten stops on momentum names
P4463,Hands-off,Roth,USD,2025-05-25,231970,11693,220277,1.0,62.9,28.2,0.0,8.9,BND:20.4%;GLD:8.6%;HYG:21.3%;VOO:9.9%;TLT:21.3%;VTI:18.5%,US:70.2;EU:13.7;APAC:7.9;EM:3.8;Other:4.4,Value:-0.0;Growth:-0.9;Quality:-0.1;Size:-0.1;Momentum:-0.3;LowVol:-0.4,ESGOnly,10,30,5.3,hard 10%,145,13.5,Sideways,18.1,3.93,2.0,130,33,65,44,true,Hedge,Buy index puts 1% notional,35,15,BrokerD,LMT,94,VAR>budget,Hedge,Risk above budget threshold,-20,-47,-5,3,false,Monitor dispersion and breadth
P4464,Hands-off,Roth,USD,2025-10-31,404854,38364,366490,1.0,68.3,23.3,0.4,7.9,HYG:25.2%;XLF:11.7%;BND:25.2%;TSLA:25.2%;VTI:12.8%,US:76.5;EU:9.6;APAC:6.7;EM:5.9;Other:1.3,Value:-0.7;Growth:-0.9;Quality:+0.7;Size:+0.1;Momentum:-0.7;LowVol:-0.0,MaxPos8%,7,30,5.8,trailing 8%,165,17.4,Sideways,17.8,4.37,3.5,101,20,64,51,false,Hedge,Add TLT +1% as duration hedge,-7,-4,BrokerC,LMT,95,None,None,Normal monitoring,-19,-11,5,4,false,Monitor dispersion and breadth
P4465,Systematic,Roth,USD,2024-11-03,953019,93259,859760,1.0,68.4,21.2,3.7,6.7,AAPL:27.9%;MUB:23.8%;VOO:20.4%;AMZN:27.9%,US:73.0;EU:9.2;APAC:6.8;EM:6.8;Other:4.2,Value:+0.3;Growth:-0.0;Quality:+1.0;Size:+0.3;Momentum:-0.7;LowVol:0.0,NoDerivatives,10,30,5.5,trailing 8%,155,23.1,Volatile,25.4,4.63,2.3,147,-20,35,70,false,Hedge,Add TLT +1% as duration hedge,25,-11,BrokerD,LMT,85,None,None,Normal monitoring,12,-15,85,4,false,Tax-aware sells next window
P4466,Cautious,Trust,USD,2025-05-04,565666,72320,493346,1.0,50.3,34.5,1.7,13.5,VNQ:33.3%;GLD:33.3%;AAPL:33.3%,US:65.8;EU:5.9;APAC:14.4;EM:10.7;Other:3.2,Value:+0.7;Growth:-0.6;Quality:+0.9;Size:-0.0;Momentum:-0.1;LowVol:+0.3,NoMargin,6,35,4.0,trailing 10%,103,18.6,Bull,16.6,4.57,2.9,98,86,95,43,false,Rebalance,Shift +1% to bonds from equity,33,-11,BrokerA,MKT,86,None,None,Normal monitoring,97,-36,104,4,false,Monitor dispersion and breadth
P4467,Opportunistic,IRA,USD,2025-10-25,1275657,68955,1206702,1.0,66.9,13.4,14.7,5.1,MUB:33.3%;TSLA:33.3%;TLT:33.3%,US:63.3;EU:12.7;APAC:12.3;EM:8.7;Other:3.0,Value:-0.0;Growth:+0.6;Quality:+0.9;Size:-0.8;Momentum:+0.3;LowVol:-0.1,NoDerivatives,5,35,4.2,trailing 7%,265,25.4,Bull,12.4,4.61,2.8,92,70,87,42,false,NoAction,Within bands; monitor,31,-13,BrokerA,MKT,0,None,None,Normal monitoring,48,-21,43,5,false,Tighten stops on momentum names
P4468,Hands-off,Roth,USD,2025-10-29,306955,26590,280365,1.0,62.9,27.3,0.4,9.4,VTI:37.2%;AAPL:25.5%;MSFT:37.2%,US:61.4;EU:21.9;APAC:9.3;EM:5.3;Other:2.2,Value:-0.1;Growth:-0.8;Quality:+0.5;Size:+0.9;Momentum:-0.1;LowVol:-0.4,,6,25,5.9,trailing 10%,106,17.6,Bull,11.7,4.27,3.1,118,80,93,40,false,Rebalance,Shift +1% to bonds from equity,-15,11,BrokerB,LMT,93,None,None,Normal monitoring,-56,11,-19,4,false,Tax-aware sells next window
P4469,Active,Roth,USD,2025-05-12,621256,62582,558674,1.0,60.7,20.4,13.4,5.5,AAPL:15.6%;BND:18.6%;QQQ:26.7%;BRK.B:12.4%;IEF:26.7%,US:68.9;EU:7.5;APAC:14.6;EM:8.3;Other:0.6,Value:-0.4;Growth:+0.7;Quality:-0.9;Size:-0.4;Momentum:-0.1;LowVol:-1.0,,7,35,4.1,hard 12%,136,19.5,Sideways,18.8,4.09,3.2,104,-4,63,63,false,Sell,Trim extended winner -1%,7,-7,BrokerD,LMT,90,None,None,Normal monitoring,7,-29,-2,4,false,Tax-aware sells next window
P4470,Systematic,401k,USD,2024-10-24,1548467,111198,1437269,1.0,59.2,20.4,13.6,6.7,QQQ:27.0%;VNQ:20.6%;IEF:25.5%;AAPL:27.0%,US:57.4;EU:19.1;APAC:9.6;EM:12.1;Other:1.8,Value:-0.5;Growth:-0.3;Quality:-0.1;Size:-0.0;Momentum:+0.5;LowVol:-0.7,MaxPos5%;NoDerivatives,7,35,5.4,trailing 8%,220,24.7,Volatile,31.2,4.53,2.4,149,55,74,80,true,Reduce,"Cut high-beta by 2-3%, add cash",-6,9,BrokerB,LMT,95,VAR>budget,Hedge,Risk above budget threshold,30,-54,128,3,false,Tighten stops on momentum names
P4471,Active,IRA,USD,2024-10-08,1370344,159355,1210989,1.0,60.9,27.3,2.6,9.2,GLD:7.6%;AMZN:21.1%;MSFT:21.1%;TSLA:9.0%;IEF:20.0%;AAPL:21.1%,US:65.9;EU:6.7;APAC:16.1;EM:7.2;Other:4.1,Value:+0.8;Growth:0.0;Quality:-0.5;Size:-0.5;Momentum:-0.1;LowVol:-0.4,MaxPos5%,7,35,5.7,hard 12%,140,19.2,Sideways,19.8,4.35,2.7,137,25,63,46,false,Rebalance,Shift +1% to bonds from equity,-11,-38,BrokerD,MKT,89,None,None,Normal monitoring,-45,-4,-29,5,false,Within IPS guidelines
P4472,Systematic,401k,USD,2025-04-09,596816,31912,564904,1.0,63.0,24.9,4.1,7.9,VNQ:21.3%;VTI:9.1%;BND:15.2%;GLD:21.3%;TLT:21.0%;AAPL:12.1%,US:57.7;EU:19.2;APAC:7.7;EM:12.6;Other:2.8,Value:+0.6;Growth:+0.1;Quality:-0.3;Size:+0.7;Momentum:-0.2;LowVol:+0.1,NoDerivatives,5,35,5.0,hard 12%,207,26.3,Sideways,17.5,3.69,2.6,127,47,71,48,false,Rebalance,Shift +1% to bonds from equity,-2,-40,BrokerD,MKT,94,None,None,Normal monitoring,63,-31,57,5,false,Monitor dispersion and breadth
P4473,Systematic,Taxable,USD,2024-09-14,1824549,130918,1693631,1.0,56.7,26.7,9.9,6.7,QQQ:21.7%;VOO:10.6%;MSFT:17.8%;TLT:17.6%;GLD:10.6%;MUB:21.7%,US:70.8;EU:11.2;APAC:9.7;EM:5.4;Other:2.9,Value:0.0;Growth:-0.2;Quality:+0.7;Size:+0.2;Momentum:+0.2;LowVol:+0.9,MaxPos6%,6,25,5.2,trailing 9%,120,21.3,Sideways,19.7,4.06,2.4,130,-16,39,47,false,Sell,Trim extended winner -1%,-6,7,BrokerB,MKT,97,None,None,Normal monitoring,-37,-55,88,4,false,Tighten stops on momentum names
P4474,Cautious,Taxable,USD,2025-06-25,581613,92636,488977,1.0,52.4,32.4,0.0,15.2,GLD:16.9%;MUB:21.1%;XLF:15.0%;VTI:21.1%;TSLA:11.4%;MSFT:14.4%,US:60.1;EU:21.4;APAC:6.2;EM:7.2;Other:5.0,Value:-0.3;Growth:+0.5;Quality:+0.3;Size:-0.3;Momentum:-0.8;LowVol:-0.5,ESGOnly;NoDerivatives;NoMargin,7,25,4.6,trailing 10%,161,12.3,Bull,13.1,3.68,3.0,114,62,69,27,true,Rebalance,Rebalance back to target bands,25,9,BrokerA,LMT,91,VAR>budget,Hedge,Risk above budget threshold,-57,5,73,2,false,Tax-aware sells next window
P4475,Opportunistic,Roth,USD,2025-02-15,440661,27357,413304,1.0,71.0,20.9,0.0,8.1,VOO:21.3%;VTI:21.3%;XLF:20.7%;VNQ:16.2%;TSLA:20.5%,US:58.7;EU:13.4;APAC:13.2;EM:13.5;Other:1.3,Value:+0.2;Growth:+0.5;Quality:-0.8;Size:-0.5;Momentum:+0.5;LowVol:-0.2,NoDerivatives,6,30,4.6,hard 12%,180,26.5,Volatile,31.1,3.91,3.4,114,-25,51,82,true,Hedge,Buy index puts 1% notional,9,2,BrokerB,LMT,92,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-39,-4,55,2,false,Tighten stops on momentum names
P4476,Hands-off,401k,USD,2024-11-11,453361,39595,413766,1.0,62.6,20.2,7.5,9.7,BND:9.9%;VOO:14.1%;MSFT:20.1%;IEF:11.8%;VTI:22.0%;TSLA:22.0%,US:62.8;EU:18.0;APAC:8.8;EM:9.9;Other:0.6,Value:+0.9;Growth:+0.7;Quality:+0.6;Size:-0.9;Momentum:-0.6;LowVol:-0.7,,8,25,5.6,trailing 8%,124,17.7,Volatile,31.8,3.87,2.8,147,33,65,74,true,Rebalance,Rebalance back to target bands,13,-13,BrokerD,MKT,100,RegimeShift,Reduce,Volatility spike and breadth deterioration,44,-52,80,3,false,Tighten stops on momentum names
P4477,Systematic,Trust,USD,2025-02-11,917622,89235,828387,1.0,57.9,33.5,0.0,8.6,VOO:33.3%;TLT:33.3%;TSLA:33.3%,US:59.2;EU:20.8;APAC:5.6;EM:9.8;Other:4.7,Value:-1.0;Growth:-0.1;Quality:+0.7;Size:-0.7;Momentum:+1.0;LowVol:-0.7,MaxPos6%;NoDerivatives,10,25,5.5,trailing 8%,196,26.8,Bull,13.8,4.17,2.5,97,52,62,45,false,Buy,Add to core equity +1%,-7,-38,BrokerB,MKT,97,None,None,Normal monitoring,-51,-46,51,4,false,Tax-aware sells next window
P4478,Hands-off,401k,USD,2024-10-07,534382,38908,495474,1.0,64.4,17.6,9.0,8.9,QQQ:19.7%;AMZN:20.0%;BRK.B:18.4%;AAPL:13.4%;GLD:14.7%;TSLA:13.8%,US:62.8;EU:11.8;APAC:11.7;EM:9.8;Other:3.9,Value:+0.9;Growth:+0.3;Quality:-0.2;Size:-0.3;Momentum:+0.7;LowVol:-0.1,ESGOnly;MaxPos5%;NoDerivatives,6,30,4.0,trailing 8%,114,19.6,Bull,15.1,4.52,2.8,110,63,72,52,true,Reduce,"Cut high-beta by 2-3%, add cash",0,-33,BrokerC,VWAP,88,VAR>budget,Hedge,Risk above budget threshold,20,-46,13,4,false,Monitor dispersion and breadth
P4479,Opportunistic,Trust,USD,2025-05-19,1691117,95382,1595735,1.0,62.6,19.3,10.2,7.9,MSFT:28.2%;VOO:28.2%;AAPL:15.4%;BND:28.2%,US:63.4;EU:17.4;APAC:11.3;EM:3.4;Other:4.5,Value:+0.1;Growth:-1.0;Quality:+0.3;Size:+0.2;Momentum:-0.9;LowVol:+0.6,MaxPos8%,7,25,6.8,hard 12%,250,20.8,Sideways,14.8,4.73,2.7,122,-6,42,47,false,Rebalance,Shift +1% to bonds from equity,14,-15,BrokerB,LMT,91,None,None,Normal monitoring,-36,-51,-15,3,false,Monitor dispersion and breadth
P4480,Systematic,Taxable,USD,2025-08-01,1638646,99489,1539157,1.0,65.8,22.1,3.6,8.4,AMZN:33.3%;IEF:33.3%;MSFT:33.3%,US:58.3;EU:17.5;APAC:13.2;EM:10.4;Other:0.7,Value:-0.8;Growth:-0.3;Quality:+0.8;Size:-0.7;Momentum:-0.3;LowVol:+0.5,MaxPos8%;NoDerivatives,7,30,5.4,trailing 9%,187,19.4,Volatile,29.9,4.57,3.2,175,62,83,70,false,Buy,Add to core equity +1%,34,-23,BrokerB,LMT,85,None,None,Normal monitoring,112,-55,183,5,false,Monitor dispersion and breadth
P4481,Cautious,Trust,USD,2025-11-11,661334,65745,595589,1.0,47.2,38.4,0.0,14.4,AAPL:11.6%;VTI:21.2%;QQQ:16.7%;MUB:17.7%;XLF:21.2%;VNQ:11.6%,US:68.6;EU:14.2;APAC:6.0;EM:10.0;Other:1.2,Value:-0.1;Growth:-0.3;Quality:-0.2;Size:-0.6;Momentum:-0.9;LowVol:-0.2,ESGOnly;MaxPos5%;NoMargin,7,25,4.1,trailing 8%,95,18.2,Volatile,22.4,3.94,4.0,126,-60,5,43,false,Buy,Add to core equity +1%,35,-17,BrokerD,LMT,91,None,None,Normal monitoring,83,11,51,3,false,Increase defensive factor exposure
P4482,Active,Trust,USD,2024-07-29,1323767,120454,1203313,1.0,65.2,29.2,0.0,5.6,VOO:37.3%;VTI:25.5%;AAPL:37.3%,US:60.0;EU:17.2;APAC:10.9;EM:9.2;Other:2.7,Value:+0.3;Growth:+0.1;Quality:-0.7;Size:0.0;Momentum:-0.4;LowVol:-1.0,MaxPos8%,7,30,4.7,trailing 8%,133,19.1,Volatile,20.8,4.62,2.2,163,23,50,53,false,Sell,Trim extended winner -1%,-13,-3,BrokerB,LMT,96,None,None,Normal monitoring,-40,-39,62,5,false,Tighten stops on momentum names
P4483,Active,IRA,USD,2024-12-25,1101381,87053,1014328,1.21,50.1,20.9,23.7,5.3,VTI:35.1%;TSLA:35.1%;VOO:29.8%,US:68.1;EU:10.8;APAC:10.0;EM:5.2;Other:5.8,Value:-0.4;Growth:+0.4;Quality:-0.9;Size:-0.3;Momentum:+0.5;LowVol:+0.5,MaxPos5%;NoDerivatives,6,30,4.8,trailing 8%,149,19.6,Bull,13.6,3.97,2.8,99,63,78,38,true,Reduce,"Cut high-beta by 2-3%, add cash",-7,-16,BrokerA,LMT,95,Drift>tolerance,Reduce,Allocation drift beyond policy bands,34,-25,134,3,false,Increase defensive factor exposure
P4484,Active,Taxable,USD,2024-10-08,1236797,132369,1104428,1.18,59.5,19.5,11.6,9.4,GLD:33.3%;TSLA:33.3%;QQQ:33.3%,US:74.1;EU:7.4;APAC:9.2;EM:6.5;Other:2.9,Value:+0.4;Growth:-0.1;Quality:+0.5;Size:+1.0;Momentum:+0.9;LowVol:-0.4,NoDerivatives,5,30,5.9,trailing 9%,221,16.1,Sideways,19.2,3.74,2.9,134,-14,54,56,false,Hedge,Add TLT +1% as duration hedge,5,12,BrokerB,LMT,100,None,None,Normal monitoring,64,-46,156,4,false,Increase defensive factor exposure
P4485,Active,401k,USD,2025-08-27,1161384,81891,1079493,1.0,67.2,22.5,2.4,7.9,VTI:21.5%;BND:17.3%;MSFT:21.5%;HYG:21.5%;MUB:18.2%,US:66.3;EU:7.1;APAC:15.5;EM:5.6;Other:5.4,Value:-1.0;Growth:+0.1;Quality:-0.1;Size:-0.1;Momentum:+0.8;LowVol:+0.9,,7,35,5.0,trailing 8%,136,18.0,Bull,17.3,3.57,3.1,72,6,62,48,false,Buy,Add to core equity +1%,35,-37,BrokerB,MKT,98,None,None,Normal monitoring,113,-60,136,3,false,Increase defensive factor exposure
P4486,Opportunistic,Taxable,USD,2025-02-27,805166,62093,743073,1.0,63.1,12.3,17.7,6.9,VNQ:27.2%;BND:27.2%;TLT:18.3%;AAPL:27.2%,US:59.1;EU:17.4;APAC:8.5;EM:10.1;Other:4.9,Value:+0.1;Growth:+0.6;Quality:+1.0;Size:-0.9;Momentum:0.0;LowVol:+0.9,MaxPos8%;NoDerivatives,6,30,5.7,trailing 9%,251,25.1,Bear,30.6,4.14,2.7,205,-63,5,74,true,Hedge,Buy index puts 1% notional,15,3,BrokerB,MKT,92,VAR>budget,Hedge,Risk above budget threshold,-1,10,35,4,false,Increase defensive factor exposure
P4487,Cautious,IRA,USD,2024-10-29,503000,73130,429870,1.0,42.0,39.2,6.4,12.3,GLD:33.3%;MSFT:33.3%;TLT:33.3%,US:75.7;EU:7.9;APAC:6.5;EM:5.3;Other:4.6,Value:+0.6;Growth:+0.5;Quality:+0.3;Size:+0.7;Momentum:-0.7;LowVol:+0.6,ESGOnly;MaxPos7%;NoDerivatives;NoMargin,5,30,3.4,hard 10%,126,15.6,Volatile,30.6,3.91,4.3,166,-28,25,73,true,Hedge,Buy index puts 1% notional,11,-19,BrokerA,MKT,92,Drift>tolerance,Reduce,Allocation drift beyond policy bands,101,-52,238,4,true,Increase defensive factor exposure
P4488,Active,401k,USD,2024-08-26,1100928,81571,1019357,1.2,63.8,18.2,9.8,8.1,HYG:11.8%;IEF:22.5%;AMZN:11.4%;XLF:22.6%;GLD:9.0%;MSFT:22.6%,US:53.9;EU:18.5;APAC:15.4;EM:9.5;Other:2.8,Value:-0.5;Growth:+0.1;Quality:-0.5;Size:-0.1;Momentum:-0.1;LowVol:-0.1,MaxPos8%,10,30,5.9,trailing 8%,205,24.7,Sideways,19.6,4.8,3.4,90,36,77,47,false,Rebalance,Shift +1% to bonds from equity,9,10,BrokerD,VWAP,100,None,None,Normal monitoring,-2,-11,38,3,false,Tighten stops on momentum names
P4489,Hands-off,IRA,USD,2025-01-17,454838,41042,413796,1.0,69.0,23.8,1.6,5.6,IEF:17.6%;AMZN:16.6%;GLD:14.7%;VTI:16.8%;BRK.B:16.1%;XLF:18.3%,US:69.4;EU:16.1;APAC:9.5;EM:4.4;Other:0.6,Value:-0.1;Growth:-0.8;Quality:+0.3;Size:-0.7;Momentum:+0.5;LowVol:-0.2,MaxPos7%;NoDerivatives,6,35,3.2,trailing 8%,166,18.0,Sideways,14.0,4.43,2.8,103,47,73,58,false,Buy,Add to core equity +1%,8,-23,BrokerA,MKT,86,None,None,Normal monitoring,87,-45,153,3,false,Tax-aware sells next window
P4490,Cautious,Trust,USD,2025-04-07,855927,83878,772049,1.0,49.8,37.6,2.4,10.2,QQQ:14.2%;TLT:26.1%;XLF:29.9%;BND:29.9%,US:73.4;EU:7.3;APAC:7.4;EM:11.4;Other:0.6,Value:+0.7;Growth:+0.8;Quality:-0.3;Size:+0.1;Momentum:-0.6;LowVol:-0.1,MaxPos5%;NoMargin,8,30,3.1,trailing 8%,164,16.5,Bear,22.2,3.33,2.7,134,-60,26,61,false,Rebalance,Shift +1% to bonds from equity,31,-35,BrokerD,VWAP,90,None,None,Normal monitoring,-54,-30,63,4,false,Tighten stops on momentum names
P4491,Opportunistic,401k,USD,2025-01-31,927088,48327,878761,1.0,72.8,14.5,5.2,7.5,XLF:24.1%;BRK.B:17.3%;MUB:24.1%;QQQ:13.0%;IEF:10.0%;TLT:11.5%,US:62.9;EU:11.8;APAC:14.6;EM:6.6;Other:4.1,Value:-0.8;Growth:+0.8;Quality:-0.9;Size:-0.4;Momentum:+0.9;LowVol:-0.3,,7,30,4.5,trailing 9%,242,26.3,Bull,14.5,4.19,3.0,77,96,100,48,false,Rebalance,Shift +1% to bonds from equity,-10,5,BrokerC,LMT,97,None,None,Normal monitoring,56,-30,177,4,false,Tighten stops on momentum names
P4492,Opportunistic,IRA,USD,2024-11-20,1659373,85706,1573667,1.0,74.4,18.6,0.9,6.1,VNQ:23.7%;VTI:25.5%;GLD:25.3%;IEF:25.5%,US:66.1;EU:15.4;APAC:8.1;EM:9.9;Other:0.5,Value:+0.8;Growth:-0.3;Quality:+0.6;Size:+0.4;Momentum:-0.1;LowVol:+0.9,MaxPos6%,10,30,4.4,trailing 9%,256,32.2,Volatile,27.7,5.01,4.3,118,-36,24,73,true,Rebalance,Rebalance back to target bands,20,2,BrokerD,VWAP,93,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-33,-59,106,4,false,Tax-aware sells next window
P4493,Systematic,IRA,USD,2024-08-30,1855630,181463,1674167,1.0,59.5,25.2,9.8,5.5,AAPL:33.3%;BRK.B:33.3%;GLD:33.3%,US:70.2;EU:9.0;APAC:10.2;EM:8.2;Other:2.5,Value:+0.2;Growth:+0.8;Quality:+0.7;Size:-0.7;Momentum:+0.2;LowVol:+0.4,,7,30,4.4,hard 12%,165,16.0,Bear,30.6,4.35,1.9,202,38,56,73,true,Hedge,Buy index puts 1% notional,33,-39,BrokerD,MKT,95,VAR>budget,Pause,Risk above budget threshold,109,20,208,5,false,Monitor dispersion and breadth
P4494,Active,Taxable,USD,2025-05-21,1988997,133586,1855411,1.0,60.8,18.2,12.3,8.6,VOO:13.6%;MUB:21.2%;GLD:13.2%;TLT:21.2%;VNQ:9.5%;BRK.B:21.2%,US:63.4;EU:12.4;APAC:8.1;EM:12.8;Other:3.4,Value:0.0;Growth:-0.0;Quality:+0.8;Size:+0.9;Momentum:-0.9;LowVol:-0.7,MaxPos8%;NoDerivatives,5,25,5.9,trailing 8%,191,26.1,Bull,11.3,4.54,3.4,94,19,61,33,true,Hedge,Buy index puts 1% notional,24,-18,BrokerA,MKT,93,RegimeShift,Reduce,Volatility spike and breadth deterioration,8,-60,-20,3,false,Increase defensive factor exposure
P4495,Systematic,Taxable,USD,2025-05-24,765008,75925,689083,1.0,67.4,24.5,0.0,8.2,AMZN:26.3%;IEF:26.3%;VTI:25.9%;BND:21.5%,US:62.2;EU:9.3;APAC:15.5;EM:11.3;Other:1.7,Value:+0.8;Growth:+0.7;Quality:+0.7;Size:-0.6;Momentum:+0.8;LowVol:+0.5,NoDerivatives,8,35,5.3,hard 12%,146,18.3,Bull,17.9,3.85,2.3,90,49,76,57,false,NoAction,Within bands; monitor,10,-19,BrokerC,MKT,0,None,None,Normal monitoring,91,-11,180,4,false,Monitor dispersion and breadth
P4496,Cautious,Trust,USD,2025-05-24,400941,40602,360339,1.0,39.6,39.1,9.0,12.3,MUB:21.3%;MSFT:20.5%;VNQ:18.1%;BND:20.8%;VOO:19.3%,US:62.0;EU:12.7;APAC:12.7;EM:9.9;Other:2.7,Value:+0.2;Growth:+0.3;Quality:+0.9;Size:-0.7;Momentum:-0.5;LowVol:+0.9,NoMargin,10,25,3.7,trailing 10%,137,14.6,Bear,28.8,3.57,1.9,163,-100,5,51,false,Rebalance,Shift +1% to bonds from equity,6,-12,BrokerC,LMT,85,None,None,Normal monitoring,88,-51,127,3,false,Within IPS guidelines
P4497,Opportunistic,Trust,USD,2024-09-09,1393884,69029,1324855,1.0,67.3,16.0,11.1,5.6,VOO:14.8%;HYG:18.3%;VTI:13.5%;IEF:19.8%;TSLA:17.4%;BRK.B:16.2%,US:59.1;EU:16.0;APAC:12.7;EM:11.7;Other:0.5,Value:-0.6;Growth:-0.6;Quality:-0.6;Size:-0.4;Momentum:+1.0;LowVol:+0.7,NoDerivatives,10,30,6.5,hard 12%,180,28.2,Volatile,22.1,4.99,2.8,148,34,80,68,false,Rebalance,Shift +1% to bonds from equity,-3,-5,BrokerD,LMT,97,None,None,Normal monitoring,94,-5,98,3,false,Monitor dispersion and breadth
P4498,Cautious,IRA,USD,2025-09-10,496385,63706,432679,1.0,43.8,42.7,1.9,11.6,BND:22.8%;XLF:26.7%;TLT:26.7%;AAPL:23.7%,US:64.2;EU:11.0;APAC:13.5;EM:7.5;Other:3.9,Value:-0.7;Growth:+0.5;Quality:-0.7;Size:+0.4;Momentum:-0.9;LowVol:-0.1,ESGOnly;NoMargin,10,30,3.5,trailing 8%,142,19.0,Bear,24.9,3.8,2.0,166,-86,8,49,false,Sell,Trim extended winner -1%,2,-20,BrokerA,LMT,98,None,None,Normal monitoring,-37,-24,15,5,false,Tighten stops on momentum names
P4499,Cautious,IRA,USD,2024-07-14,518989,78338,440651,1.0,43.6,40.4,0.0,16.1,VNQ:22.1%;AMZN:12.7%;BND:16.4%;HYG:19.7%;TLT:11.3%;QQQ:17.9%,US:65.2;EU:10.6;APAC:8.6;EM:13.1;Other:2.5,Value:+0.1;Growth:-0.4;Quality:-0.1;Size:-0.1;Momentum:-0.8;LowVol:-0.5,MaxPos6%;NoMargin,5,25,5.7,trailing 8%,102,16.3,Volatile,22.7,3.58,2.1,175,42,73,52,false,Buy,Add to core equity +1%,-12,-10,BrokerC,LMT,91,None,None,Normal monitoring,83,20,100,5,false,Tighten stops on momentum names
P4500,Active,401k,USD,2025-08-02,1185122,136493,1048629,1.11,60.2,20.2,11.6,8.0,IEF:33.3%;TLT:33.3%;AMZN:33.3%,US:81.2;EU:6.3;APAC:6.7;EM:4.6;Other:1.2,Value:+0.8;Growth:+1.0;Quality:+0.1;Size:-0.6;Momentum:+0.3;LowVol:+0.5,,6,25,4.7,hard 12%,132,16.9,Volatile,20.9,4.12,3.1,133,-12,51,65,false,Rebalance,Shift +1% to bonds from equity,21,-35,BrokerA,LMT,85,None,None,Normal monitoring,77,17,144,4,false,Monitor dispersion and breadth
P4501,Active,IRA,USD,2024-10-24,2340439,151899,2188540,1.0,62.6,26.5,5.4,5.5,TSLA:15.2%;AAPL:19.8%;QQQ:20.2%;BRK.B:10.8%;VOO:14.5%;BND:19.5%,US:72.2;EU:10.8;APAC:7.8;EM:6.6;Other:2.6,Value:+0.5;Growth:-0.9;Quality:-0.3;Size:-0.8;Momentum:+0.8;LowVol:-0.1,,6,25,4.3,trailing 9%,229,20.0,Sideways,18.2,3.8,2.1,97,3,50,47,false,Sell,Trim extended winner -1%,8,-11,BrokerB,LMT,86,None,None,Normal monitoring,87,9,219,3,false,Tighten stops on momentum names
P4502,Systematic,IRA,USD,2024-12-24,712413,53536,658877,1.0,57.9,31.1,5.9,5.1,GLD:26.0%;QQQ:11.1%;IEF:26.0%;VTI:10.9%;AAPL:26.0%,US:65.6;EU:16.2;APAC:7.7;EM:7.4;Other:3.1,Value:-0.9;Growth:+0.2;Quality:+0.5;Size:-0.6;Momentum:+0.8;LowVol:+0.9,NoDerivatives,10,30,5.2,trailing 8%,131,19.5,Volatile,21.6,5.06,4.4,145,-34,41,47,false,Hedge,Add TLT +1% as duration hedge,-9,12,BrokerD,LMT,95,None,None,Normal monitoring,-24,-23,113,5,false,Increase defensive factor exposure
P4503,Hands-off,IRA,USD,2024-10-03,347983,33753,314230,1.0,66.6,26.1,0.0,7.3,TSLA:23.3%;MUB:12.3%;BND:17.9%;VOO:23.3%;MSFT:23.3%,US:63.4;EU:15.2;APAC:9.2;EM:11.0;Other:1.3,Value:-0.4;Growth:+0.4;Quality:-0.9;Size:+0.2;Momentum:-0.7;LowVol:-0.2,MaxPos6%,8,30,3.8,hard 10%,150,15.4,Sideways,19.1,3.55,3.2,112,21,75,48,false,Hedge,Add TLT +1% as duration hedge,19,-32,BrokerA,VWAP,99,None,None,Normal monitoring,54,-35,190,4,false,Within IPS guidelines
P4504,Cautious,Taxable,USD,2024-09-01,657840,73872,583968,1.0,44.8,40.4,3.5,11.3,IEF:18.4%;QQQ:13.1%;BND:22.8%;TSLA:22.8%;AAPL:22.8%,US:58.3;EU:15.7;APAC:13.7;EM:10.5;Other:1.7,Value:-0.3;Growth:+0.9;Quality:-0.1;Size:+0.4;Momentum:+0.9;LowVol:+0.2,ESGOnly;NoMargin,6,35,5.8,hard 10%,127,18.4,Volatile,24.1,4.62,3.5,130,58,87,56,false,NoAction,Within bands; monitor,28,-24,BrokerC,MKT,0,None,None,Normal monitoring,51,-34,129,4,false,Tighten stops on momentum names
P4505,Active,Taxable,USD,2025-03-16,2101154,174436,1926718,1.21,65.2,26.7,0.0,8.2,VNQ:25.0%;GLD:25.0%;MSFT:25.0%;MUB:25.0%,US:72.8;EU:6.8;APAC:12.5;EM:3.8;Other:4.1,Value:-0.4;Growth:-0.1;Quality:-0.1;Size:-0.6;Momentum:+0.6;LowVol:-0.8,,5,25,5.7,hard 12%,123,24.9,Sideways,14.4,3.63,3.5,114,41,74,44,false,Buy,Add to core equity +1%,22,4,BrokerA,LMT,88,None,None,Normal monitoring,38,-44,164,3,false,Monitor dispersion and breadth
P4506,Active,Taxable,USD,2024-08-31,872094,87110,784984,1.0,51.9,23.3,15.3,9.5,AAPL:16.2%;TLT:27.9%;IEF:27.9%;MUB:27.9%,US:66.3;EU:5.4;APAC:14.6;EM:11.7;Other:1.8,Value:+0.2;Growth:-0.0;Quality:+0.3;Size:-0.2;Momentum:-0.3;LowVol:+0.7,MaxPos6%,5,35,4.2,trailing 8%,150,20.1,Volatile,20.7,4.35,2.7,154,45,86,51,true,Hedge,Buy index puts 1% notional,0,4,BrokerD,MKT,91,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,41,8,47,4,false,Tighten stops on momentum names
P4507,Opportunistic,401k,USD,2025-03-06,782214,34192,748022,1.24,74.6,16.7,3.5,5.2,IEF:25.0%;HYG:25.0%;QQQ:25.0%;VNQ:25.0%,US:74.1;EU:11.6;APAC:8.4;EM:5.2;Other:0.7,Value:+0.1;Growth:+0.9;Quality:-0.6;Size:-0.1;Momentum:-0.4;LowVol:-0.4,NoDerivatives,7,35,5.4,trailing 9%,232,29.5,Volatile,28.2,4.91,4.0,137,-27,32,90,true,Reduce,"Cut high-beta by 2-3%, add cash",30,-2,BrokerD,LMT,98,RegimeShift,Reduce,Volatility spike and breadth deterioration,115,-45,248,5,false,Tighten stops on momentum names
P4508,Opportunistic,Taxable,USD,2025-04-27,917014,33168,883846,1.15,66.3,17.3,7.4,9.0,TLT:18.2%;AAPL:29.6%;BRK.B:22.6%;VOO:29.6%,US:68.6;EU:6.5;APAC:14.3;EM:6.8;Other:3.8,Value:-0.2;Growth:-0.3;Quality:+0.5;Size:-0.0;Momentum:+0.3;LowVol:+0.3,,5,25,6.8,trailing 7%,187,22.8,Bull,13.3,4.28,2.8,116,116,100,36,false,Sell,Trim extended winner -1%,8,-32,BrokerD,MKT,96,None,None,Normal monitoring,56,-6,64,3,false,Tax-aware sells next window
P4509,Opportunistic,401k,USD,2025-11-27,1399614,75579,1324035,1.0,69.6,18.9,7.4,4.2,VOO:28.8%;TSLA:16.7%;VTI:28.8%;BRK.B:25.8%,US:62.6;EU:17.9;APAC:9.6;EM:9.9;Other:0.1,Value:+0.6;Growth:+0.8;Quality:-0.3;Size:-0.1;Momentum:+0.7;LowVol:+0.6,,10,25,6.5,hard 12%,236,33.9,Bull,12.1,3.79,2.9,109,18,70,45,false,NoAction,Within bands; monitor,35,1,BrokerC,MKT,0,None,None,Normal monitoring,78,-1,69,5,false,Monitor dispersion and breadth
P4510,Hands-off,Roth,USD,2025-08-14,706107,68971,637136,1.0,59.9,16.2,18.2,5.6,TSLA:13.3%;GLD:20.8%;AAPL:11.5%;XLF:19.9%;VOO:17.3%;VTI:17.2%,US:64.2;EU:18.5;APAC:7.5;EM:7.0;Other:2.8,Value:-0.8;Growth:-0.6;Quality:-0.4;Size:-0.2;Momentum:+0.4;LowVol:-0.1,,7,30,3.5,trailing 8%,95,12.5,Sideways,19.8,4.13,3.5,108,5,59,58,false,Rebalance,Shift +1% to bonds from equity,4,4,BrokerB,MKT,87,None,None,Normal monitoring,31,7,139,3,false,Monitor dispersion and breadth
P4511,Hands-off,Roth,USD,2025-05-29,579218,27539,551679,1.0,66.9,22.8,3.2,7.1,AAPL:33.3%;VOO:33.3%;AMZN:33.3%,US:71.8;EU:10.6;APAC:9.3;EM:4.2;Other:4.1,Value:-0.1;Growth:0.0;Quality:-0.4;Size:0.0;Momentum:-0.9;LowVol:+0.8,ESGOnly;MaxPos7%,6,25,4.6,trailing 10%,166,13.4,Volatile,21.8,4.0,2.5,163,58,66,57,true,Hedge,Buy index puts 1% notional,26,-1,BrokerD,VWAP,97,VAR>budget,Hedge,Risk above budget threshold,-22,-46,47,2,false,Tighten stops on momentum names
P4512,Systematic,401k,USD,2025-09-08,1390650,122843,1267807,1.0,57.3,28.1,6.8,7.7,AAPL:28.2%;GLD:28.2%;VTI:23.7%;TLT:20.0%,US:64.3;EU:17.8;APAC:10.5;EM:7.3;Other:0.1,Value:0.0;Growth:-0.7;Quality:-0.5;Size:-0.2;Momentum:+0.7;LowVol:-0.5,,8,30,5.0,trailing 9%,203,26.7,Sideways,21.3,3.91,3.4,125,0,46,64,false,Buy,Add to core equity +1%,0,-27,BrokerB,MKT,96,None,None,Normal monitoring,-6,-54,66,3,false,Tax-aware sells next window
P4513,Active,Taxable,USD,2025-11-07,2451405,269585,2181820,1.0,61.6,28.9,0.0,9.5,AAPL:33.7%;AMZN:33.7%;HYG:32.7%,US:63.5;EU:16.8;APAC:10.4;EM:9.0;Other:0.2,Value:-0.4;Growth:-0.4;Quality:+0.3;Size:+0.8;Momentum:+0.1;LowVol:-0.1,MaxPos5%,5,25,4.9,hard 12%,213,21.8,Bull,14.6,4.42,2.2,93,19,64,51,false,Sell,Trim extended winner -1%,-1,-34,BrokerB,LMT,100,None,None,Normal monitoring,-38,-55,94,4,false,Within IPS guidelines
P4514,Opportunistic,Trust,USD,2025-10-22,987260,31758,955502,1.0,77.6,13.0,2.7,6.6,IEF:33.3%;XLF:33.3%;VNQ:33.3%,US:70.2;EU:8.3;APAC:10.3;EM:10.3;Other:0.8,Value:-0.9;Growth:+0.7;Quality:+0.1;Size:+0.5;Momentum:+0.1;LowVol:+0.3,MaxPos8%,5,35,4.7,trailing 7%,237,33.4,Volatile,31.8,4.39,4.3,143,43,67,85,true,Rebalance,Rebalance back to target bands,-14,0,BrokerA,MKT,91,RegimeShift,Reduce,Volatility spike and breadth deterioration,119,-45,200,5,false,Within IPS guidelines
P4515,Active,IRA,USD,2024-11-23,1177672,111515,1066157,1.25,68.6,18.8,3.9,8.7,VTI:33.3%;BND:33.3%;AAPL:33.3%,US:64.9;EU:13.9;APAC:9.0;EM:9.6;Other:2.7,Value:-0.4;Growth:+0.3;Quality:-0.3;Size:+0.7;Momentum:-0.8;LowVol:-0.6,,5,35,4.6,hard 12%,205,20.8,Bear,23.5,4.28,2.5,146,-63,24,66,true,Rebalance,Rebalance back to target bands,30,-34,BrokerB,LMT,96,RegimeShift,Hedge,Volatility spike and breadth deterioration,59,-50,172,3,true,Within IPS guidelines
P4516,Hands-off,Taxable,USD,2025-11-27,867420,54664,812756,1.0,59.1,28.9,6.6,5.4,AMZN:12.1%;MUB:15.7%;GLD:20.3%;HYG:20.3%;IEF:17.6%;AAPL:14.1%,US:71.5;EU:12.9;APAC:7.0;EM:8.4;Other:0.3,Value:+0.4;Growth:+0.4;Quality:+0.1;Size:-1.0;Momentum:+1.0;LowVol:-0.6,ESGOnly,6,30,3.3,trailing 10%,154,19.7,Volatile,23.9,4.67,3.7,148,31,60,67,false,Hedge,Add TLT +1% as duration hedge,-14,-4,BrokerC,MKT,95,None,None,Normal monitoring,65,-43,111,3,false,Increase defensive factor exposure
P4517,Cautious,Roth,USD,2024-10-07,307900,30739,277161,1.0,42.2,38.3,9.2,10.3,GLD:19.6%;MUB:21.2%;AMZN:16.8%;QQQ:21.2%;BND:21.2%,US:63.6;EU:11.0;APAC:16.6;EM:5.1;Other:3.7,Value:-0.5;Growth:-0.3;Quality:-1.0;Size:+0.2;Momentum:+0.6;LowVol:-0.3,NoDerivatives;NoMargin,6,25,4.3,trailing 8%,117,16.1,Sideways,21.3,4.84,2.1,108,42,56,49,false,Buy,Add to core equity +1%,21,-18,BrokerB,LMT,95,None,None,Normal monitoring,-17,-18,-40,5,false,Within IPS guidelines
P4518,Hands-off,Taxable,USD,2024-08-12,791818,42083,749735,1.0,58.1,27.2,8.4,6.4,IEF:29.1%;MUB:35.7%;TLT:35.1%,US:66.2;EU:10.4;APAC:8.4;EM:11.7;Other:3.3,Value:-0.1;Growth:+0.2;Quality:-0.9;Size:+0.1;Momentum:+0.5;LowVol:+1.0,ESGOnly;MaxPos6%;NoDerivatives,10,25,3.9,hard 10%,107,14.7,Bull,12.7,4.23,2.1,78,119,100,33,false,Sell,Trim extended winner -1%,-1,-27,BrokerB,VWAP,95,None,None,Normal monitoring,39,-4,141,4,false,Increase defensive factor exposure
P4519,Systematic,401k,USD,2025-11-27,1306739,112514,1194225,1.0,67.6,26.8,0.0,5.6,BRK.B:33.3%;GLD:33.3%;VTI:33.3%,US:67.2;EU:9.8;APAC:14.2;EM:8.7;Other:0.1,Value:-0.8;Growth:+0.2;Quality:+0.3;Size:+0.9;Momentum:-0.4;LowVol:+0.1,NoDerivatives,6,30,4.1,trailing 8%,131,16.5,Volatile,27.4,3.96,2.7,111,6,55,80,true,Hedge,Buy index puts 1% notional,35,-40,BrokerA,LMT,85,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-43,-44,-53,2,false,Within IPS guidelines
P4520,Active,401k,USD,2025-05-26,978297,112958,865339,1.0,57.6,31.2,1.2,10.0,VTI:7.3%;BND:19.2%;XLF:14.6%;VOO:18.3%;MSFT:20.4%;VNQ:20.2%,US:70.4;EU:11.5;APAC:8.5;EM:6.9;Other:2.7,Value:-0.5;Growth:+0.7;Quality:-0.6;Size:-0.3;Momentum:-0.0;LowVol:+0.6,MaxPos5%;NoDerivatives,10,30,5.7,trailing 9%,156,18.2,Sideways,21.8,4.65,2.4,90,-2,42,58,false,Buy,Add to core equity +1%,10,-10,BrokerD,LMT,96,None,None,Normal monitoring,35,-29,18,5,false,Increase defensive factor exposure
P4521,Opportunistic,401k,USD,2025-06-29,1255095,87823,1167272,1.0,69.9,18.8,3.1,8.2,VOO:22.2%;BND:12.1%;VNQ:22.2%;GLD:21.3%;TSLA:22.2%,US:69.6;EU:10.9;APAC:9.6;EM:6.1;Other:3.8,Value:-0.9;Growth:+0.8;Quality:+0.4;Size:+0.7;Momentum:-0.3;LowVol:+0.7,,8,35,6.5,trailing 9%,169,27.4,Bear,33.9,3.31,2.6,179,-36,29,93,true,Hedge,Buy index puts 1% notional,11,-40,BrokerA,MKT,93,VAR>budget,TightenStops,Risk above budget threshold,41,-36,167,5,false,Tighten stops on momentum names
P4522,Active,Roth,USD,2024-11-12,519728,38313,481415,1.0,58.4,31.5,3.3,6.8,MUB:18.3%;TLT:20.6%;GLD:20.6%;AMZN:20.6%;MSFT:11.4%;VOO:8.5%,US:69.8;EU:12.2;APAC:8.1;EM:8.5;Other:1.4,Value:-0.2;Growth:+0.7;Quality:+0.4;Size:+0.8;Momentum:-0.2;LowVol:+0.4,,7,30,4.1,trailing 8%,209,24.8,Bull,12.1,4.38,2.5,97,106,100,47,false,Rebalance,Shift +1% to bonds from equity,28,-21,BrokerB,MKT,97,None,None,Normal monitoring,109,-24,245,5,false,Tighten stops on momentum names
P4523,Active,Taxable,USD,2025-05-10,795838,93316,702522,1.0,59.1,28.5,3.0,9.4,QQQ:33.3%;AMZN:33.3%;BRK.B:33.3%,US:68.9;EU:9.9;APAC:8.9;EM:10.2;Other:2.1,Value:+0.2;Growth:-0.9;Quality:-0.3;Size:-1.0;Momentum:+0.3;LowVol:-0.5,,6,25,4.9,hard 12%,201,27.4,Bear,29.1,4.41,1.7,219,-63,11,79,true,Hedge,Buy index puts 1% notional,9,-12,BrokerA,LMT,93,VAR>budget,Reduce,Risk above budget threshold,119,-44,242,4,false,Tighten stops on momentum names
P4524,Cautious,Taxable,USD,2025-09-11,760362,107194,653168,1.0,41.5,41.0,2.2,15.3,TSLA:23.3%;IEF:23.3%;MUB:20.8%;QQQ:9.4%;XLF:23.3%,US:59.2;EU:17.9;APAC:8.3;EM:8.9;Other:5.7,Value:+0.3;Growth:-0.3;Quality:0.0;Size:+0.9;Momentum:-0.4;LowVol:+0.5,MaxPos5%;NoMargin,10,35,3.9,trailing 8%,139,17.2,Bull,13.6,4.65,3.4,104,11,61,26,false,Buy,Add to core equity +1%,17,-10,BrokerC,LMT,98,None,None,Normal monitoring,97,2,64,4,false,Tighten stops on momentum names
P4525,Hands-off,Trust,USD,2025-03-18,178848,13995,164853,1.0,71.0,20.4,0.0,8.6,VNQ:23.2%;HYG:20.9%;AAPL:19.4%;IEF:15.7%;QQQ:20.8%,US:71.7;EU:5.8;APAC:14.4;EM:5.7;Other:2.3,Value:-0.3;Growth:+0.7;Quality:+0.3;Size:+0.3;Momentum:-0.4;LowVol:+0.8,ESGOnly;MaxPos6%,8,30,5.9,trailing 8%,116,18.0,Bull,15.3,3.94,2.3,109,69,75,44,false,Hedge,Add TLT +1% as duration hedge,-11,-11,BrokerA,MKT,95,None,None,Normal monitoring,-33,-14,68,3,false,Monitor dispersion and breadth
P4526,Hands-off,Trust,USD,2025-06-14,664705,40828,623877,1.0,74.0,15.0,2.8,8.2,BND:26.1%;BRK.B:20.4%;IEF:26.8%;TSLA:26.8%,US:64.2;EU:15.2;APAC:11.0;EM:9.4;Other:0.2,Value:+1.0;Growth:+0.1;Quality:-0.9;Size:-0.5;Momentum:-0.2;LowVol:+0.8,MaxPos6%,7,25,5.0,trailing 8%,152,17.9,Volatile,24.3,3.61,2.4,148,-14,35,67,false,Buy,Add to core equity +1%,-12,-13,BrokerA,LMT,94,None,None,Normal monitoring,89,13,76,3,false,Tax-aware sells next window
P4527,Active,401k,USD,2025-12-07,801181,89197,711984,1.0,53.3,22.1,19.3,5.4,AMZN:33.3%;TLT:33.3%;QQQ:33.3%,US:66.2;EU:13.7;APAC:10.1;EM:6.7;Other:3.3,Value:+0.3;Growth:-0.7;Quality:-0.1;Size:-1.0;Momentum:+0.3;LowVol:-0.7,MaxPos7%,8,25,4.6,trailing 8%,171,23.4,Bull,17.7,3.74,3.4,71,29,77,55,false,Buy,Add to core equity +1%,-1,-8,BrokerC,MKT,86,None,None,Normal monitoring,113,-42,146,4,false,Within IPS guidelines
P4528,Opportunistic,IRA,USD,2024-09-04,1798809,56648,1742161,1.0,61.6,21.9,11.5,5.0,VNQ:33.4%;QQQ:33.2%;GLD:33.4%,US:70.5;EU:10.9;APAC:12.8;EM:5.1;Other:0.7,Value:+0.7;Growth:-0.6;Quality:-0.7;Size:-0.4;Momentum:+0.5;LowVol:+0.3,,8,35,4.9,trailing 7%,196,27.0,Volatile,28.2,3.91,2.3,146,25,60,66,false,Rebalance,Shift +1% to bonds from equity,-15,-11,BrokerD,MKT,100,None,None,Normal monitoring,-18,-2,33,4,false,Within IPS guidelines
P4529,Hands-off,IRA,USD,2024-07-16,568002,52835,515167,1.0,67.8,20.7,3.3,8.2,XLF:23.3%;HYG:14.4%;QQQ:23.3%;TSLA:15.8%;AMZN:23.3%,US:58.6;EU:14.3;APAC:9.5;EM:12.5;Other:5.0,Value:+0.5;Growth:+0.1;Quality:-0.5;Size:+0.7;Momentum:0.0;LowVol:-0.3,,10,30,3.9,hard 10%,103,12.3,Bull,11.8,4.63,3.4,85,109,100,45,false,Hedge,Add TLT +1% as duration hedge,31,-1,BrokerC,MKT,90,None,None,Normal monitoring,70,-45,131,3,false,Increase defensive factor exposure
P4530,Opportunistic,401k,USD,2025-02-06,567137,37876,529261,1.2,67.3,12.9,14.5,5.3,HYG:33.3%;VNQ:33.3%;MSFT:33.3%,US:67.4;EU:7.7;APAC:8.0;EM:14.4;Other:2.5,Value:+0.9;Growth:+0.1;Quality:+0.3;Size:-0.9;Momentum:+0.1;LowVol:-0.1,NoDerivatives,6,30,5.7,hard 12%,184,24.6,Bear,35.0,3.47,2.0,205,-41,26,96,true,Reduce,"Cut high-beta by 2-3%, add cash",22,0,BrokerD,VWAP,91,VAR>budget,Hedge,Risk above budget threshold,16,-52,32,3,false,Tax-aware sells next window
P4531,Active,Roth,USD,2024-08-24,1578146,141893,1436253,1.0,56.5,21.9,15.0,6.6,VOO:15.4%;VNQ:23.8%;TLT:23.8%;BND:13.1%;GLD:23.8%,US:65.0;EU:12.7;APAC:8.7;EM:10.9;Other:2.8,Value:+0.8;Growth:+0.8;Quality:-0.9;Size:-0.5;Momentum:+0.2;LowVol:-0.4,MaxPos7%,8,30,5.8,hard 12%,129,22.3,Sideways,15.2,3.78,2.5,135,13,51,50,false,Rebalance,Shift +1% to bonds from equity,-14,-35,BrokerB,MKT,92,None,None,Normal monitoring,61,-5,41,4,false,Tighten stops on momentum names
P4532,Hands-off,401k,USD,2025-01-14,295270,22023,273247,1.0,71.4,22.9,0.0,5.7,QQQ:33.4%;AMZN:33.4%;TLT:33.2%,US:69.7;EU:15.3;APAC:9.0;EM:3.9;Other:2.0,Value:-0.5;Growth:-0.4;Quality:-0.7;Size:+0.3;Momentum:+0.5;LowVol:-0.7,MaxPos5%,10,30,5.5,hard 10%,164,14.4,Sideways,19.4,4.67,2.3,138,5,57,67,false,Rebalance,Shift +1% to bonds from equity,24,-37,BrokerD,LMT,85,None,None,Normal monitoring,-36,-40,-61,5,false,Within IPS guidelines
P4533,Opportunistic,Taxable,USD,2024-08-21,751839,67500,684339,1.0,64.8,21.8,6.1,7.2,TSLA:33.3%;QQQ:33.3%;BRK.B:33.3%,US:66.9;EU:9.4;APAC:9.1;EM:12.3;Other:2.4,Value:-0.6;Growth:+1.0;Quality:+0.4;Size:+0.8;Momentum:+0.5;LowVol:+0.5,,6,25,5.6,hard 12%,225,21.8,Volatile,24.9,5.19,2.2,137,-3,39,76,true,Reduce,"Cut high-beta by 2-3%, add cash",18,-1,BrokerA,LMT,85,Drift>tolerance,Reduce,Allocation drift beyond policy bands,101,-47,171,5,false,Tighten stops on momentum names
P4534,Cautious,401k,USD,2025-04-01,783348,99874,683474,1.0,42.1,31.7,14.5,11.8,QQQ:33.3%;AMZN:33.3%;GLD:33.3%,US:78.0;EU:6.8;APAC:9.2;EM:5.2;Other:0.8,Value:+0.9;Growth:-0.2;Quality:-0.5;Size:+0.1;Momentum:+0.2;LowVol:-0.4,ESGOnly;MaxPos5%;NoMargin,7,30,3.1,trailing 8%,96,17.6,Sideways,15.4,4.61,2.3,97,38,84,37,false,Sell,Trim extended winner -1%,35,15,BrokerB,LMT,92,None,None,Normal monitoring,4,-30,58,3,false,Monitor dispersion and breadth
P4535,Systematic,401k,USD,2025-05-24,1406013,89850,1316163,1.0,58.6,34.6,0.0,6.8,VTI:33.3%;VOO:33.3%;MUB:33.3%,US:73.7;EU:6.1;APAC:7.3;EM:8.8;Other:4.0,Value:+0.6;Growth:+0.4;Quality:+0.2;Size:-0.6;Momentum:-0.1;LowVol:-0.0,NoDerivatives,5,30,6.0,trailing 8%,128,26.7,Bull,11.5,3.89,3.4,105,50,87,40,false,Rebalance,Shift +1% to bonds from equity,0,14,BrokerA,MKT,95,None,None,Normal monitoring,-20,18,74,5,false,Within IPS guidelines
P4536,Opportunistic,Roth,USD,2024-11-19,1584749,75841,1508908,1.0,63.9,13.4,17.8,4.9,TLT:23.8%;TSLA:21.2%;MUB:16.4%;BND:14.9%;XLF:23.8%,US:67.1;EU:9.4;APAC:11.8;EM:11.4;Other:0.3,Value:-0.7;Growth:-0.4;Quality:+0.6;Size:+0.7;Momentum:-0.5;LowVol:+0.3,MaxPos6%,8,25,6.4,trailing 7%,179,25.9,Bull,11.8,3.99,3.1,113,19,69,47,false,Rebalance,Shift +1% to bonds from equity,-3,-32,BrokerC,MKT,94,None,None,Normal monitoring,-1,14,50,3,false,Tax-aware sells next window
P4537,Cautious,Taxable,USD,2025-06-13,194951,20474,174477,1.0,53.2,32.8,0.0,14.0,IEF:34.1%;TSLA:31.9%;AMZN:34.1%,US:66.5;EU:14.8;APAC:7.1;EM:8.1;Other:3.4,Value:-0.9;Growth:+0.9;Quality:-0.9;Size:-0.6;Momentum:+0.7;LowVol:-0.5,ESGOnly;MaxPos8%;NoMargin,5,25,4.5,trailing 8%,128,16.0,Sideways,18.6,4.92,2.1,135,44,79,53,false,Sell,Trim extended winner -1%,4,-8,BrokerA,VWAP,87,None,None,Normal monitoring,102,-35,231,3,false,Monitor dispersion and breadth
P4538,Hands-off,401k,USD,2025-07-29,544133,21998,522135,1.0,71.4,21.6,1.9,5.1,MUB:23.2%;MSFT:10.5%;AMZN:23.2%;TLT:23.2%;XLF:19.9%,US:65.1;EU:20.3;APAC:6.3;EM:3.6;Other:4.6,Value:-0.7;Growth:+0.9;Quality:-0.8;Size:-0.1;Momentum:-0.1;LowVol:-0.8,ESGOnly,8,35,5.4,trailing 8%,128,12.9,Bull,15.5,3.85,2.9,117,8,54,44,false,Sell,Trim extended winner -1%,-8,-8,BrokerA,LMT,100,None,None,Normal monitoring,112,-43,158,5,false,Tighten stops on momentum names
P4539,Active,401k,USD,2025-09-14,1468472,142094,1326378,1.14,61.1,29.8,3.0,6.1,BND:20.0%;MUB:13.0%;GLD:22.3%;XLF:22.3%;VOO:22.3%,US:65.0;EU:16.2;APAC:9.3;EM:4.6;Other:4.9,Value:-0.7;Growth:-0.5;Quality:0.0;Size:-0.5;Momentum:+0.2;LowVol:-0.1,NoDerivatives,7,30,5.6,trailing 9%,133,26.4,Bull,12.5,3.87,2.7,102,17,70,31,false,Rebalance,Shift +1% to bonds from equity,29,-13,BrokerC,MKT,97,None,None,Normal monitoring,-28,-16,-37,4,false,Within IPS guidelines
P4540,Active,IRA,USD,2025-11-24,609165,51025,558140,1.0,55.1,25.8,13.8,5.3,VTI:23.4%;MSFT:11.1%;AAPL:15.6%;GLD:13.5%;MUB:13.1%;VNQ:23.4%,US:70.1;EU:13.5;APAC:11.1;EM:4.4;Other:0.9,Value:+0.1;Growth:+0.4;Quality:+0.9;Size:-0.0;Momentum:-0.6;LowVol:+0.9,NoDerivatives,10,35,4.8,trailing 8%,230,22.6,Bull,11.4,4.84,3.0,109,56,73,34,false,Sell,Trim extended winner -1%,-7,11,BrokerA,MKT,100,None,None,Normal monitoring,41,5,74,5,false,Tighten stops on momentum names
P4541,Cautious,401k,USD,2025-05-13,497255,66589,430666,1.0,39.4,32.4,11.5,16.7,IEF:11.0%;MUB:20.1%;TLT:20.4%;MSFT:20.4%;QQQ:17.9%;XLF:10.2%,US:65.7;EU:15.1;APAC:5.9;EM:9.9;Other:3.5,Value:-0.8;Growth:-0.8;Quality:-0.7;Size:+0.5;Momentum:+0.4;LowVol:+0.6,ESGOnly;NoDerivatives;NoMargin,6,25,5.2,trailing 8%,120,17.2,Bull,15.7,4.82,3.2,73,105,100,34,false,Sell,Trim extended winner -1%,4,-29,BrokerA,LMT,91,None,None,Normal monitoring,99,-38,202,4,false,Tighten stops on momentum names
P4542,Opportunistic,Roth,USD,2024-09-24,864107,66847,797260,1.06,69.2,12.3,11.0,7.6,AAPL:25.7%;MUB:15.3%;VOO:20.4%;IEF:13.0%;TSLA:25.7%,US:74.0;EU:7.9;APAC:7.9;EM:9.5;Other:0.7,Value:-0.7;Growth:-0.9;Quality:-0.7;Size:+0.9;Momentum:+0.7;LowVol:-0.8,,7,25,4.1,hard 12%,269,32.0,Bull,17.1,4.93,2.3,111,110,100,65,false,Buy,Add to core equity +1%,18,-10,BrokerB,VWAP,86,None,None,Normal monitoring,-41,-22,-2,4,false,Monitor dispersion and breadth
P4543,Opportunistic,401k,USD,2025-10-20,318011,18811,299200,1.0,68.7,14.9,7.9,8.5,MUB:27.8%;TSLA:27.8%;AAPL:16.6%;VNQ:27.8%,US:72.3;EU:9.1;APAC:7.5;EM:10.2;Other:0.9,Value:+0.9;Growth:-0.9;Quality:+0.3;Size:-0.6;Momentum:-0.9;LowVol:-0.6,NoDerivatives,8,25,4.4,trailing 9%,259,23.0,Sideways,17.5,3.91,2.9,136,-23,33,53,false,Rebalance,Shift +1% to bonds from equity,5,-13,BrokerD,LMT,90,None,None,Normal monitoring,10,-13,95,4,false,Tax-aware sells next window
P4544,Active,Taxable,USD,2024-08-20,1364989,96432,1268557,1.0,58.2,31.1,2.3,8.4,VNQ:23.5%;AAPL:23.5%;QQQ:23.5%;BND:22.0%;MSFT:7.4%,US:65.3;EU:12.2;APAC:11.0;EM:11.5;Other:0.0,Value:-0.4;Growth:+0.6;Quality:-0.3;Size:-0.1;Momentum:+0.5;LowVol:-0.5,,6,35,5.1,trailing 8%,209,27.3,Sideways,16.4,3.51,3.2,93,39,78,49,false,Buy,Add to core equity +1%,14,-38,BrokerC,MKT,91,None,None,Normal monitoring,-14,19,43,4,false,Tax-aware sells next window
P4545,Cautious,Trust,USD,2025-08-31,828729,72391,756338,1.0,41.5,30.6,14.3,13.7,HYG:33.3%;MSFT:33.3%;VOO:33.3%,US:72.0;EU:10.3;APAC:8.0;EM:7.6;Other:2.1,Value:+0.4;Growth:-0.0;Quality:-0.6;Size:-0.5;Momentum:+0.1;LowVol:-0.5,ESGOnly;MaxPos6%;NoMargin,7,25,4.4,trailing 10%,139,12.7,Bull,16.0,4.34,2.6,83,41,70,39,false,Hedge,Add TLT +1% as duration hedge,28,-7,BrokerD,MKT,100,None,None,Normal monitoring,34,-45,50,5,false,Monitor dispersion and breadth
P4546,Hands-off,Roth,USD,2024-10-17,682855,58958,623897,1.0,64.2,17.3,8.8,9.7,GLD:33.3%;TSLA:33.3%;TLT:33.3%,US:64.5;EU:11.4;APAC:10.7;EM:9.8;Other:3.6,Value:+0.2;Growth:+0.9;Quality:+0.3;Size:-0.8;Momentum:-0.1;LowVol:-0.7,ESGOnly,8,30,5.8,trailing 8%,124,14.0,Sideways,16.1,4.8,3.0,133,3,47,49,false,Sell,Trim extended winner -1%,23,5,BrokerC,MKT,89,None,None,Normal monitoring,-27,-1,-47,5,false,Tighten stops on momentum names
P4547,Hands-off,Taxable,USD,2025-04-17,192697,12041,180656,1.0,65.9,25.5,1.0,7.5,BND:33.3%;TLT:33.3%;MUB:33.3%,US:66.8;EU:15.9;APAC:9.1;EM:6.8;Other:1.3,Value:+0.1;Growth:-0.0;Quality:-0.6;Size:-0.8;Momentum:0.0;LowVol:+0.3,ESGOnly,6,35,5.5,hard 10%,130,13.3,Bull,16.0,4.54,3.1,102,7,57,47,false,Rebalance,Shift +1% to bonds from equity,14,-27,BrokerC,VWAP,97,None,None,Normal monitoring,17,16,27,5,false,Tighten stops on momentum names
P4548,Hands-off,Roth,USD,2024-09-28,276934,19942,256992,1.0,72.5,21.3,0.0,6.2,XLF:23.8%;AAPL:23.8%;MSFT:10.0%;QQQ:18.7%;HYG:23.8%,US:67.5;EU:8.6;APAC:9.7;EM:12.5;Other:1.7,Value:+0.9;Growth:-0.4;Quality:+0.4;Size:+0.1;Momentum:-1.0;LowVol:+0.5,ESGOnly,5,30,3.2,hard 10%,102,12.9,Volatile,26.5,5.49,3.9,129,55,89,85,true,Hedge,Buy index puts 1% notional,19,10,BrokerB,MKT,96,VAR>budget,Hedge,Risk above budget threshold,80,-24,157,4,false,Within IPS guidelines
P4549,Active,Roth,USD,2025-03-13,2484579,271147,2213432,1.0,66.5,25.8,0.1,7.5,AAPL:35.2%;IEF:29.5%;QQQ:35.2%,US:69.5;EU:12.4;APAC:7.5;EM:10.4;Other:0.2,Value:+0.9;Growth:-0.3;Quality:-0.2;Size:+0.3;Momentum:+0.7;LowVol:-0.1,MaxPos7%,6,30,5.3,trailing 9%,172,17.8,Volatile,20.6,3.66,4.5,161,-57,17,69,false,Rebalance,Shift +1% to bonds from equity,-6,-12,BrokerD,LMT,89,None,None,Normal monitoring,-35,-1,-58,3,false,Within IPS guidelines
P4550,Opportunistic,Trust,USD,2024-12-10,538137,24177,513960,1.0,72.5,13.6,9.2,4.7,MSFT:33.3%;TSLA:33.3%;VOO:33.3%,US:69.9;EU:12.4;APAC:8.8;EM:7.6;Other:1.2,Value:+0.6;Growth:-0.1;Quality:-0.1;Size:+0.8;Momentum:+0.4;LowVol:+1.0,NoDerivatives,8,35,5.8,trailing 7%,162,31.2,Bull,17.7,4.14,2.1,91,102,95,66,false,Rebalance,Shift +1% to bonds from equity,-13,-20,BrokerB,LMT,85,None,None,Normal monitoring,-58,-56,-60,5,false,Tax-aware sells next window
P4551,Hands-off,Taxable,USD,2025-08-06,639940,57906,582034,1.0,69.1,25.9,0.0,4.9,MSFT:15.6%;GLD:14.1%;TSLA:21.6%;QQQ:14.9%;TLT:21.6%;BND:12.3%,US:65.2;EU:7.3;APAC:13.3;EM:10.8;Other:3.4,Value:-0.5;Growth:-0.6;Quality:+0.6;Size:-0.9;Momentum:+1.0;LowVol:-0.2,ESGOnly;MaxPos6%,6,35,5.6,trailing 10%,103,17.7,Bull,13.7,4.56,2.9,84,47,75,48,false,Buy,Add to core equity +1%,35,-29,BrokerB,LMT,94,None,None,Normal monitoring,-47,1,-68,4,false,Increase defensive factor exposure
P4552,Hands-off,401k,USD,2024-12-23,573156,50196,522960,1.0,61.4,26.1,6.0,6.5,MUB:13.2%;BRK.B:21.5%;IEF:21.5%;VNQ:13.3%;GLD:13.7%;VTI:16.7%,US:54.7;EU:19.9;APAC:14.6;EM:6.5;Other:4.3,Value:+0.3;Growth:-0.0;Quality:-0.2;Size:-0.3;Momentum:-0.9;LowVol:-0.3,ESGOnly;NoDerivatives,5,35,5.7,trailing 8%,93,14.4,Bull,13.1,3.98,3.3,81,113,100,51,false,NoAction,Within bands; monitor,15,-20,BrokerB,VWAP,98,None,None,Normal monitoring,38,-23,120,5,false,Increase defensive factor exposure
P4553,Opportunistic,Roth,USD,2025-10-21,687480,50933,636547,1.0,62.3,21.8,8.4,7.5,VOO:26.0%;IEF:11.1%;BRK.B:26.0%;AAPL:20.0%;MSFT:16.9%,US:74.0;EU:8.2;APAC:10.3;EM:6.2;Other:1.3,Value:-0.8;Growth:-0.3;Quality:+0.9;Size:+0.9;Momentum:-0.4;LowVol:+0.3,NoDerivatives,5,25,6.6,trailing 7%,227,20.6,Bull,16.8,4.57,2.8,83,86,84,43,false,Rebalance,Shift +1% to bonds from equity,23,1,BrokerD,VWAP,96,None,None,Normal monitoring,97,-31,235,4,false,Tax-aware sells next window
P4554,Active,Taxable,USD,2025-08-24,1692670,188045,1504625,1.0,59.1,20.3,10.7,9.9,MUB:13.1%;VTI:13.0%;VOO:20.4%;TSLA:20.4%;QQQ:13.6%;GLD:19.5%,US:68.5;EU:6.4;APAC:14.6;EM:8.4;Other:2.1,Value:-0.8;Growth:+0.2;Quality:+0.5;Size:+0.1;Momentum:+0.3;LowVol:+0.1,MaxPos6%,6,30,5.0,trailing 8%,213,20.1,Bull,11.8,4.75,3.4,120,57,92,31,false,Hedge,Add TLT +1% as duration hedge,26,3,BrokerD,LMT,89,None,None,Normal monitoring,62,-53,186,3,false,Within IPS guidelines
P4555,Cautious,IRA,USD,2025-07-18,440839,49019,391820,1.0,36.0,39.9,8.0,16.0,VNQ:15.7%;HYG:16.9%;BRK.B:21.7%;TSLA:12.5%;QQQ:21.7%;BND:11.5%,US:68.9;EU:6.2;APAC:13.4;EM:7.5;Other:4.0,Value:+0.7;Growth:-0.1;Quality:-0.7;Size:+0.9;Momentum:-0.5;LowVol:+0.4,NoDerivatives;NoMargin,5,30,3.6,trailing 8%,119,14.5,Volatile,30.4,3.89,3.6,145,-36,38,53,false,Rebalance,Shift +1% to bonds from equity,0,11,BrokerA,MKT,87,None,None,Normal monitoring,50,-52,93,4,false,Increase defensive factor exposure
P4556,Active,401k,USD,2024-07-16,1723192,203016,1520176,1.15,58.6,21.2,14.1,6.2,TLT:22.3%;AMZN:22.3%;AAPL:22.3%;IEF:19.1%;VNQ:14.0%,US:57.8;EU:20.3;APAC:8.5;EM:12.7;Other:0.8,Value:-0.4;Growth:-0.4;Quality:-0.7;Size:+0.3;Momentum:-0.2;LowVol:+0.8,NoDerivatives,6,35,4.1,trailing 9%,225,22.2,Volatile,21.2,5.09,3.1,126,-34,24,53,false,Rebalance,Shift +1% to bonds from equity,-5,-20,BrokerB,LMT,96,None,None,Normal monitoring,-25,-22,-59,3,false,Within IPS guidelines
P4557,Cautious,Roth,USD,2025-04-06,806553,85908,720645,1.0,41.3,37.0,11.3,10.4,VNQ:29.3%;VOO:29.3%;GLD:23.4%;VTI:17.9%,US:71.8;EU:15.3;APAC:5.6;EM:4.0;Other:3.3,Value:+0.5;Growth:+0.7;Quality:+0.6;Size:+1.0;Momentum:+1.0;LowVol:-0.3,ESGOnly;MaxPos8%;NoMargin,10,25,4.6,hard 10%,128,19.7,Bull,12.8,4.67,3.4,81,48,60,20,false,Sell,Trim extended winner -1%,-8,-12,BrokerC,LMT,97,None,None,Normal monitoring,-27,-42,-36,4,false,Within IPS guidelines
P4558,Systematic,Taxable,USD,2025-12-23,867270,38411,828859,1.0,56.0,24.6,12.1,7.3,QQQ:23.2%;AMZN:24.7%;TSLA:26.1%;MUB:26.1%,US:61.0;EU:15.4;APAC:15.8;EM:5.8;Other:1.9,Value:+0.5;Growth:+0.3;Quality:+0.1;Size:+0.8;Momentum:+0.8;LowVol:+0.5,,8,25,5.3,hard 12%,182,16.8,Volatile,21.3,4.31,3.6,110,-41,38,60,false,Sell,Trim extended winner -1%,0,14,BrokerB,LMT,88,None,None,Normal monitoring,-43,-24,35,5,false,Tighten stops on momentum names
P4559,Active,Roth,USD,2025-12-02,1871564,117156,1754408,1.0,56.5,29.4,6.3,7.8,TSLA:22.2%;GLD:22.2%;TLT:9.3%;AAPL:7.7%;MUB:16.4%;AMZN:22.2%,US:66.8;EU:13.4;APAC:9.4;EM:7.5;Other:2.9,Value:-0.2;Growth:-0.5;Quality:-1.0;Size:+1.0;Momentum:-0.8;LowVol:-0.9,MaxPos6%;NoDerivatives,8,35,5.8,trailing 9%,164,26.0,Bull,17.6,4.15,3.1,105,66,80,48,false,Buy,Add to core equity +1%,15,-33,BrokerD,LMT,92,None,None,Normal monitoring,112,13,103,5,false,Within IPS guidelines
P4560,Cautious,IRA,USD,2025-10-05,339508,39002,300506,1.0,38.2,39.4,9.6,12.8,BND:37.6%;HYG:24.7%;MUB:37.6%,US:72.7;EU:13.7;APAC:8.2;EM:4.6;Other:0.8,Value:-0.5;Growth:-0.9;Quality:+0.7;Size:-0.2;Momentum:+0.9;LowVol:+0.1,MaxPos5%;NoMargin,6,35,3.8,hard 10%,160,12.2,Bull,12.4,4.31,2.5,116,54,76,33,false,Buy,Add to core equity +1%,16,-29,BrokerD,MKT,89,None,None,Normal monitoring,86,-18,123,3,false,Within IPS guidelines
P4561,Cautious,Taxable,USD,2025-11-14,388669,48070,340599,1.0,51.8,34.7,0.0,13.5,VTI:9.7%;AAPL:22.6%;AMZN:22.8%;MSFT:22.8%;QQQ:22.2%,US:67.6;EU:6.8;APAC:13.5;EM:8.3;Other:3.7,Value:-0.6;Growth:0.0;Quality:-0.1;Size:-0.1;Momentum:+0.1;LowVol:-0.1,ESGOnly;NoDerivatives;NoMargin,10,30,3.8,trailing 8%,106,13.5,Volatile,22.7,4.38,3.6,180,1,48,61,false,Rebalance,Shift +1% to bonds from equity,-10,-20,BrokerB,LMT,88,None,None,Normal monitoring,-3,16,-35,4,false,Tax-aware sells next window
P4562,Cautious,IRA,USD,2024-08-10,632259,91743,540516,1.0,50.2,33.6,0.0,16.2,BRK.B:23.9%;TLT:8.3%;TSLA:23.9%;VNQ:20.1%;XLF:23.9%,US:68.9;EU:8.1;APAC:10.4;EM:7.8;Other:4.8,Value:-0.5;Growth:-0.6;Quality:-0.4;Size:-0.2;Momentum:-0.1;LowVol:-0.3,ESGOnly;NoMargin,6,25,4.5,hard 10%,130,19.5,Sideways,15.1,3.6,2.4,107,32,76,40,false,Hedge,Add TLT +1% as duration hedge,-2,-19,BrokerB,LMT,92,None,None,Normal monitoring,78,-23,165,5,false,Monitor dispersion and breadth
P4563,Active,Roth,USD,2025-10-09,1157737,78378,1079359,1.0,55.7,19.1,17.2,8.0,HYG:33.3%;BND:33.3%;MSFT:33.3%,US:68.6;EU:17.1;APAC:6.5;EM:6.2;Other:1.7,Value:-0.4;Growth:-0.1;Quality:-0.3;Size:+0.3;Momentum:-0.3;LowVol:-0.5,MaxPos6%,8,35,5.6,hard 12%,190,26.1,Bull,13.7,3.88,3.2,120,54,87,41,false,Sell,Trim extended winner -1%,24,12,BrokerA,MKT,86,None,None,Normal monitoring,8,-2,18,4,false,Tax-aware sells next window
P4564,Cautious,Taxable,USD,2025-10-20,214260,22378,191882,1.0,49.6,35.2,0.0,15.3,AMZN:16.3%;HYG:19.4%;VOO:14.8%;IEF:14.7%;XLF:14.3%;GLD:20.5%,US:56.4;EU:18.2;APAC:14.9;EM:10.4;Other:0.0,Value:+0.6;Growth:+0.1;Quality:+0.9;Size:+0.2;Momentum:-0.6;LowVol:+0.3,NoMargin,10,35,5.4,trailing 10%,138,12.7,Sideways,18.1,4.89,2.3,131,-24,29,50,true,Rebalance,Rebalance back to target bands,-15,13,BrokerB,LMT,93,RegimeShift,Reduce,Volatility spike and breadth deterioration,-57,-24,-46,4,true,Tax-aware sells next window
P4565,Active,Trust,USD,2024-12-02,1121880,113567,1008313,1.0,68.2,19.4,3.6,8.8,XLF:20.5%;BRK.B:13.6%;MSFT:18.8%;AAPL:8.7%;TLT:20.0%;AMZN:18.5%,US:61.2;EU:15.4;APAC:13.2;EM:10.0;Other:0.2,Value:-0.1;Growth:+0.4;Quality:-0.8;Size:-0.3;Momentum:+0.7;LowVol:+0.9,,5,25,4.0,trailing 8%,209,18.7,Bear,25.3,4.43,2.5,155,-24,46,70,false,Buy,Add to core equity +1%,14,-6,BrokerD,MKT,93,None,None,Normal monitoring,-25,-10,47,4,false,Tighten stops on momentum names
P4566,Cautious,Trust,USD,2024-12-08,498200,78540,419660,1.0,48.4,36.3,4.3,11.0,XLF:24.3%;QQQ:12.9%;VTI:24.3%;VNQ:14.3%;IEF:24.3%,US:65.2;EU:12.0;APAC:12.1;EM:7.4;Other:3.4,Value:-0.9;Growth:+0.7;Quality:-0.4;Size:-0.6;Momentum:+0.6;LowVol:-0.2,MaxPos5%;NoMargin,8,30,5.3,trailing 10%,158,12.7,Bear,22.7,4.0,1.4,169,35,58,49,false,Sell,Trim extended winner -1%,1,-32,BrokerD,LMT,96,None,None,Normal monitoring,31,-42,68,3,false,Within IPS guidelines
P4567,Active,Taxable,USD,2025-01-07,1696610,149822,1546788,1.0,57.4,22.1,13.8,6.7,MSFT:33.3%;TLT:33.3%;VTI:33.3%,US:67.0;EU:15.2;APAC:9.5;EM:5.8;Other:2.5,Value:-0.5;Growth:+0.5;Quality:-0.6;Size:-0.4;Momentum:+0.9;LowVol:+0.1,,6,35,4.7,trailing 8%,222,22.1,Volatile,20.5,4.68,2.4,170,-43,25,55,false,Sell,Trim extended winner -1%,25,13,BrokerA,VWAP,92,None,None,Normal monitoring,-13,-9,58,3,false,Tax-aware sells next window
P4568,Systematic,Roth,USD,2024-08-01,1291982,84085,1207897,1.0,60.6,30.7,0.0,8.8,HYG:16.2%;AAPL:11.7%;IEF:16.5%;TLT:20.4%;GLD:20.4%;BND:14.9%,US:62.0;EU:15.4;APAC:11.2;EM:10.0;Other:1.4,Value:+0.9;Growth:+0.7;Quality:+0.6;Size:-0.8;Momentum:-0.2;LowVol:+0.6,,7,25,4.7,trailing 8%,181,17.7,Volatile,29.8,3.89,2.8,140,48,63,77,true,Hedge,Buy index puts 1% notional,1,-14,BrokerB,LMT,89,VAR>budget,Reduce,Risk above budget threshold,26,-28,155,2,false,Increase defensive factor exposure
P4569,Cautious,IRA,USD,2025-05-09,314060,43834,270226,1.0,37.2,38.1,7.8,16.9,BND:15.7%;MUB:17.6%;MSFT:20.7%;VTI:18.7%;QQQ:7.3%;XLF:20.0%,US:69.8;EU:6.9;APAC:12.7;EM:6.3;Other:4.3,Value:+0.9;Growth:+0.4;Quality:-0.2;Size:-0.5;Momentum:-0.1;LowVol:-0.5,ESGOnly;NoMargin,5,25,3.1,hard 10%,165,19.1,Volatile,28.8,3.65,3.6,166,54,62,49,false,Rebalance,Shift +1% to bonds from equity,-9,-33,BrokerC,VWAP,97,None,None,Normal monitoring,59,13,85,3,false,Monitor dispersion and breadth
P4570,Active,Trust,USD,2025-03-18,2319630,154793,2164837,1.0,57.6,21.0,14.3,7.1,BND:23.5%;QQQ:25.5%;AAPL:25.5%;HYG:25.5%,US:58.5;EU:17.6;APAC:14.5;EM:6.7;Other:2.7,Value:-0.2;Growth:-0.3;Quality:-0.5;Size:+0.6;Momentum:+0.4;LowVol:-0.7,MaxPos6%,8,25,5.7,trailing 8%,204,26.8,Bull,11.9,4.49,2.7,86,38,54,38,false,NoAction,Within bands; monitor,19,-19,BrokerC,LMT,93,None,None,Normal monitoring,27,-44,156,5,false,Tighten stops on momentum names
P4571,Opportunistic,Trust,USD,2025-03-03,505066,25828,479238,1.0,62.1,18.5,12.5,6.8,VOO:33.3%;AMZN:33.3%;MUB:33.3%,US:70.6;EU:18.7;APAC:5.8;EM:3.1;Other:1.8,Value:-0.8;Growth:+0.2;Quality:+0.9;Size:+0.4;Momentum:-0.5;LowVol:+0.1,,8,25,6.3,trailing 7%,237,25.7,Bear,24.6,3.3,1.2,178,-12,33,66,false,Rebalance,Shift +1% to bonds from equity,5,2,BrokerA,MKT,87,None,None,Normal monitoring,50,-5,19,5,false,Within IPS guidelines
P4572,Opportunistic,Trust,USD,2025-07-02,1506169,66125,1440044,1.0,64.7,20.4,6.5,8.5,XLF:12.5%;HYG:21.6%;AMZN:15.3%;TSLA:18.1%;BND:21.6%;MSFT:10.9%,US:57.9;EU:18.1;APAC:13.8;EM:5.9;Other:4.4,Value:+0.5;Growth:-0.6;Quality:-0.9;Size:-0.5;Momentum:+0.7;LowVol:-0.1,,6,30,7.0,trailing 7%,177,21.4,Volatile,30.2,3.59,2.9,121,21,61,89,true,Reduce,"Cut high-beta by 2-3%, add cash",10,-22,BrokerC,VWAP,94,RegimeShift,Reduce,Volatility spike and breadth deterioration,-53,19,-81,4,false,Tighten stops on momentum names
P4573,Hands-off,Taxable,USD,2025-06-19,169311,14044,155267,1.0,72.5,19.1,0.0,8.4,MUB:12.9%;AAPL:23.4%;VOO:17.0%;HYG:13.2%;VNQ:10.2%;XLF:23.4%,US:67.3;EU:13.3;APAC:8.6;EM:9.4;Other:1.3,Value:-0.4;Growth:-0.8;Quality:+1.0;Size:+0.4;Momentum:0.0;LowVol:+0.9,MaxPos6%,10,30,3.5,trailing 8%,167,17.8,Volatile,24.4,3.86,3.2,134,41,75,70,false,NoAction,Within bands; monitor,-4,-37,BrokerB,LMT,94,None,None,Normal monitoring,111,-21,161,5,false,Monitor dispersion and breadth
P4574,Cautious,Roth,USD,2025-05-23,332874,38506,294368,1.0,47.4,37.1,0.0,15.5,MUB:25.0%;VOO:20.7%;GLD:27.2%;TSLA:27.2%,US:63.8;EU:13.9;APAC:10.3;EM:8.3;Other:3.7,Value:+0.2;Growth:-0.5;Quality:+0.7;Size:+0.6;Momentum:+0.2;LowVol:-0.1,NoMargin,6,35,3.9,trailing 10%,124,17.4,Bear,33.6,3.6,1.3,211,8,43,79,true,Rebalance,Rebalance back to target bands,9,-6,BrokerB,LMT,88,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-28,-39,0,3,false,Tax-aware sells next window
P4575,Systematic,Taxable,USD,2024-12-11,1101953,99384,1002569,1.0,59.6,24.6,10.4,5.4,MSFT:12.2%;BRK.B:21.2%;VNQ:18.6%;GLD:12.1%;BND:14.6%;AMZN:21.2%,US:56.5;EU:18.9;APAC:13.3;EM:10.9;Other:0.3,Value:-0.0;Growth:-0.1;Quality:-0.4;Size:+0.4;Momentum:+0.4;LowVol:+0.4,,6,35,5.3,trailing 9%,199,25.6,Bear,30.7,4.16,1.5,192,-114,5,74,true,Hedge,Buy index puts 1% notional,21,-20,BrokerB,LMT,95,Drift>tolerance,Reduce,Allocation drift beyond policy bands,115,-34,204,3,false,Monitor dispersion and breadth
P4576,Hands-off,IRA,USD,2025-07-05,536485,50913,485572,1.0,58.8,29.7,3.0,8.5,AMZN:17.2%;VTI:21.6%;VOO:20.6%;BND:18.9%;TLT:21.6%,US:70.5;EU:7.3;APAC:14.6;EM:6.3;Other:1.2,Value:+0.6;Growth:+0.2;Quality:-0.7;Size:-0.1;Momentum:-1.0;LowVol:+0.1,,7,30,3.1,trailing 8%,102,13.0,Bear,23.8,3.94,2.8,211,-107,5,56,false,Sell,Trim extended winner -1%,8,-24,BrokerC,MKT,96,None,None,Normal monitoring,92,-13,87,4,false,Within IPS guidelines
P4577,Hands-off,Trust,USD,2024-08-26,765125,58734,706391,1.0,69.7,15.7,6.5,8.2,BND:29.4%;QQQ:29.4%;HYG:19.8%;AAPL:21.4%,US:68.6;EU:15.3;APAC:6.6;EM:7.3;Other:2.2,Value:+0.5;Growth:+0.9;Quality:+0.2;Size:+0.7;Momentum:+0.7;LowVol:+0.9,MaxPos5%,10,35,5.0,hard 10%,130,12.1,Bull,14.8,4.4,2.4,108,38,77,59,false,NoAction,Within bands; monitor,21,-34,BrokerA,VWAP,94,None,None,Normal monitoring,14,-23,153,5,false,Within IPS guidelines
P4578,Hands-off,IRA,USD,2025-08-08,579946,26676,553270,1.0,55.9,17.4,21.3,5.4,IEF:25.0%;MUB:25.0%;VNQ:25.0%;AMZN:25.0%,US:74.5;EU:11.6;APAC:6.7;EM:6.1;Other:1.0,Value:+0.2;Growth:+0.6;Quality:-0.0;Size:-0.6;Momentum:-0.9;LowVol:-0.9,MaxPos6%,6,30,5.0,trailing 8%,138,14.9,Volatile,29.9,4.81,3.7,131,16,53,82,true,Reduce,"Cut high-beta by 2-3%, add cash",-9,-36,BrokerB,VWAP,99,Drift>tolerance,Pause,Allocation drift beyond policy bands,5,5,37,5,false,Tax-aware sells next window
P4579,Hands-off,IRA,USD,2024-10-21,461765,39508,422257,1.0,67.5,19.4,7.0,6.2,VTI:13.8%;IEF:20.9%;XLF:13.7%;QQQ:20.9%;VNQ:20.9%;AAPL:9.7%,US:69.5;EU:16.4;APAC:10.4;EM:3.6;Other:0.1,Value:-0.1;Growth:-0.1;Quality:+1.0;Size:+0.6;Momentum:+0.6;LowVol:-0.6,ESGOnly;MaxPos6%,7,25,5.9,trailing 10%,160,16.9,Bull,14.2,3.79,2.6,88,105,100,58,false,Rebalance,Shift +1% to bonds from equity,7,3,BrokerB,LMT,92,None,None,Normal monitoring,28,-50,161,3,false,Monitor dispersion and breadth
P4580,Cautious,IRA,USD,2025-01-08,705268,86703,618565,1.0,47.8,32.8,9.0,10.3,AMZN:33.3%;MSFT:33.3%;VTI:33.3%,US:67.8;EU:9.0;APAC:8.9;EM:10.2;Other:4.1,Value:-0.6;Growth:+0.4;Quality:+0.2;Size:-0.7;Momentum:+0.6;LowVol:-0.9,NoMargin,8,30,4.7,trailing 10%,118,14.0,Volatile,20.9,3.85,3.6,121,65,68,55,true,Rebalance,Rebalance back to target bands,4,7,BrokerA,MKT,93,VAR>budget,Hedge,Risk above budget threshold,58,-49,134,4,false,Increase defensive factor exposure
P4581,Active,IRA,USD,2025-08-26,1489925,175623,1314302,1.0,54.3,23.8,15.9,6.0,HYG:13.8%;XLF:22.9%;AMZN:22.9%;TSLA:22.9%;MSFT:17.4%,US:60.8;EU:13.1;APAC:11.1;EM:11.1;Other:3.9,Value:-0.3;Growth:+0.5;Quality:-0.5;Size:+0.2;Momentum:+0.2;LowVol:+0.8,,6,25,4.7,trailing 8%,212,18.6,Bull,11.8,3.65,2.9,98,6,45,30,false,Rebalance,Shift +1% to bonds from equity,25,-26,BrokerC,LMT,85,None,None,Normal monitoring,114,14,115,3,false,Increase defensive factor exposure
P4582,Active,Roth,USD,2025-03-03,777147,79439,697708,1.0,57.1,18.6,15.8,8.5,QQQ:33.3%;VOO:33.3%;TSLA:33.3%,US:64.0;EU:13.5;APAC:10.3;EM:8.8;Other:3.4,Value:-0.2;Growth:+0.4;Quality:-0.5;Size:+0.4;Momentum:-0.8;LowVol:-0.8,MaxPos7%,10,25,5.7,trailing 9%,149,19.1,Sideways,20.7,4.91,3.3,132,11,44,49,true,Rebalance,Rebalance back to target bands,26,-20,BrokerB,MKT,86,Drift>tolerance,Hedge,Allocation drift beyond policy bands,59,-20,86,4,false,Tighten stops on momentum names
P4583,Active,401k,USD,2025-06-04,1531423,157889,1373534,1.13,65.5,28.1,0.0,6.4,AAPL:34.6%;TLT:30.7%;XLF:34.6%,US:69.7;EU:7.8;APAC:10.0;EM:8.3;Other:4.2,Value:-0.6;Growth:-0.6;Quality:+0.9;Size:-0.5;Momentum:-0.0;LowVol:+0.6,MaxPos6%;NoDerivatives,8,35,5.0,trailing 9%,168,24.5,Bull,12.6,4.6,2.4,117,28,51,48,false,Rebalance,Shift +1% to bonds from equity,35,-14,BrokerD,MKT,98,None,None,Normal monitoring,38,-5,1,5,false,Tax-aware sells next window
P4584,Opportunistic,Roth,USD,2025-11-20,820073,49608,770465,1.0,73.7,12.1,10.0,4.1,TLT:15.2%;BND:20.1%;VTI:20.3%;HYG:16.4%;IEF:7.8%;TSLA:20.3%,US:70.0;EU:8.7;APAC:13.1;EM:7.5;Other:0.7,Value:-0.2;Growth:-0.3;Quality:-0.4;Size:+0.7;Momentum:-0.1;LowVol:+0.8,MaxPos8%,7,35,5.1,trailing 7%,183,25.4,Sideways,15.6,4.99,3.1,92,-2,58,61,false,Buy,Add to core equity +1%,22,-39,BrokerC,LMT,96,None,None,Normal monitoring,-22,-54,107,4,false,Increase defensive factor exposure
P4585,Cautious,Roth,USD,2025-09-05,584357,72407,511950,1.0,36.6,39.9,9.5,14.0,BND:23.1%;MUB:18.5%;BRK.B:18.8%;HYG:16.6%;VTI:23.1%,US:64.3;EU:6.4;APAC:13.4;EM:11.6;Other:4.3,Value:-0.2;Growth:+0.5;Quality:+0.3;Size:+0.4;Momentum:+0.8;LowVol:+0.8,ESGOnly;NoDerivatives;NoMargin,5,35,4.9,trailing 8%,165,13.0,Bear,34.8,3.74,2.4,142,3,42,72,true,Reduce,"Cut high-beta by 2-3%, add cash",16,9,BrokerB,LMT,87,VAR>budget,Hedge,Risk above budget threshold,110,-59,220,2,false,Tighten stops on momentum names
P4586,Active,Taxable,USD,2025-09-07,1881352,205886,1675466,1.0,62.8,19.0,11.3,6.9,BRK.B:23.8%;VNQ:25.4%;GLD:25.4%;MUB:25.4%,US:65.8;EU:16.2;APAC:12.1;EM:3.6;Other:2.3,Value:-0.1;Growth:+0.2;Quality:+0.8;Size:+0.7;Momentum:+0.4;LowVol:+1.0,,10,35,5.1,hard 12%,204,22.9,Volatile,31.0,3.58,3.7,159,33,72,87,true,Hedge,Buy index puts 1% notional,-3,-22,BrokerC,LMT,93,VAR>budget,Pause,Risk above budget threshold,-14,-57,106,3,false,Tax-aware sells next window
P4587,Systematic,Roth,USD,2024-11-01,935730,40556,895174,1.0,61.0,31.4,0.0,7.6,GLD:36.7%;TLT:26.6%;AAPL:36.7%,US:61.0;EU:15.8;APAC:10.6;EM:10.9;Other:1.7,Value:+0.5;Growth:-0.4;Quality:-0.2;Size:-0.1;Momentum:+0.1;LowVol:-0.5,,10,30,4.8,trailing 9%,173,18.6,Volatile,22.4,3.75,3.6,140,38,60,70,false,Rebalance,Shift +1% to bonds from equity,9,8,BrokerC,LMT,92,None,None,Normal monitoring,2,-47,64,5,false,Tax-aware sells next window
P4588,Cautious,Roth,USD,2024-07-04,760563,71209,689354,1.0,42.7,40.6,0.0,16.7,GLD:22.2%;VTI:17.3%;MUB:18.5%;BRK.B:19.9%;TSLA:22.2%,US:76.2;EU:5.9;APAC:5.8;EM:10.4;Other:1.6,Value:+0.8;Growth:-0.8;Quality:+0.5;Size:+0.3;Momentum:+0.8;LowVol:+0.1,ESGOnly;MaxPos7%;NoDerivatives;NoMargin,6,35,4.4,trailing 8%,111,14.6,Bull,16.1,4.09,2.9,119,23,70,27,false,Buy,Add to core equity +1%,14,10,BrokerD,MKT,100,None,None,Normal monitoring,83,5,213,4,false,Within IPS guidelines
P4589,Opportunistic,Taxable,USD,2024-11-11,783558,45574,737984,1.17,70.0,21.8,0.1,8.0,VNQ:29.4%;AMZN:23.7%;BND:17.6%;VOO:29.4%,US:56.4;EU:14.4;APAC:15.1;EM:9.5;Other:4.5,Value:+0.2;Growth:0.0;Quality:-0.6;Size:+0.3;Momentum:-0.6;LowVol:+0.6,,5,25,5.6,trailing 9%,246,33.7,Sideways,21.5,3.59,3.2,139,11,70,66,false,Rebalance,Shift +1% to bonds from equity,2,-5,BrokerD,LMT,95,None,None,Normal monitoring,16,-21,-2,4,false,Tighten stops on momentum names
P4590,Cautious,401k,USD,2025-10-04,635479,82463,553016,1.0,42.4,35.5,7.7,14.5,VOO:25.0%;VTI:25.0%;TSLA:25.0%;MUB:25.0%,US:64.5;EU:12.7;APAC:12.9;EM:4.8;Other:5.1,Value:+0.8;Growth:-0.1;Quality:+0.3;Size:-0.7;Momentum:+0.8;LowVol:-1.0,MaxPos7%;NoDerivatives;NoMargin,8,25,4.1,trailing 8%,144,17.3,Volatile,31.1,4.67,4.2,140,61,76,77,true,Hedge,Buy index puts 1% notional,-3,-31,BrokerD,MKT,88,VAR>budget,Reduce,Risk above budget threshold,-9,4,-6,4,false,Tighten stops on momentum names
P4591,Cautious,IRA,USD,2025-05-14,440865,43358,397507,1.0,54.4,33.2,0.0,12.5,XLF:22.3%;GLD:22.3%;TLT:10.6%;QQQ:22.3%;VOO:22.3%,US:59.4;EU:15.7;APAC:8.1;EM:12.0;Other:4.8,Value:-0.6;Growth:-0.9;Quality:+0.1;Size:+0.7;Momentum:-0.2;LowVol:-0.9,ESGOnly;NoMargin,6,35,3.1,hard 10%,140,12.5,Volatile,29.2,3.72,3.3,135,44,85,72,true,Rebalance,Rebalance back to target bands,30,-7,BrokerD,LMT,87,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,14,-5,74,2,false,Tax-aware sells next window
P4592,Opportunistic,Roth,USD,2025-08-07,1143284,74370,1068914,1.0,61.2,11.5,22.6,4.7,VOO:21.5%;BND:29.6%;BRK.B:19.2%;MSFT:29.6%,US:63.7;EU:6.9;APAC:14.8;EM:10.0;Other:4.6,Value:-0.9;Growth:-0.7;Quality:-0.4;Size:-0.9;Momentum:+0.7;LowVol:-0.4,MaxPos6%,10,30,4.3,trailing 7%,162,27.5,Bull,11.9,4.18,3.3,91,72,71,32,false,Buy,Add to core equity +1%,5,-20,BrokerC,MKT,90,None,None,Normal monitoring,4,3,-13,5,false,Monitor dispersion and breadth
P4593,Opportunistic,401k,USD,2025-09-15,1022860,78114,944746,1.0,74.3,11.7,5.4,8.5,GLD:16.4%;BND:22.3%;TSLA:22.3%;XLF:21.5%;VNQ:17.5%,US:55.2;EU:14.4;APAC:13.6;EM:12.4;Other:4.4,Value:-0.6;Growth:-0.9;Quality:+0.2;Size:-0.9;Momentum:-0.6;LowVol:-0.7,MaxPos5%,7,35,4.1,trailing 7%,196,22.7,Sideways,20.2,3.61,3.0,98,25,49,72,false,Buy,Add to core equity +1%,2,-17,BrokerB,MKT,89,None,None,Normal monitoring,59,-39,143,5,false,Within IPS guidelines
P4594,Active,Roth,USD,2025-09-07,695642,45219,650423,1.14,61.8,19.1,9.7,9.4,QQQ:20.1%;IEF:15.5%;MUB:19.1%;VTI:10.6%;MSFT:19.9%;HYG:14.8%,US:73.1;EU:13.4;APAC:6.9;EM:4.1;Other:2.5,Value:-0.4;Growth:-0.6;Quality:-0.1;Size:-0.1;Momentum:-0.8;LowVol:-0.8,MaxPos7%;NoDerivatives,8,30,5.1,hard 12%,151,22.1,Bear,34.0,3.43,1.6,207,-52,23,84,true,Reduce,"Cut high-beta by 2-3%, add cash",21,-40,BrokerD,MKT,86,Drift>tolerance,Reduce,Allocation drift beyond policy bands,73,-40,155,5,false,Within IPS guidelines
P4595,Cautious,Roth,USD,2024-10-19,847687,91045,756642,1.0,41.9,41.2,6.3,10.7,QQQ:24.0%;XLF:25.3%;HYG:25.3%;TLT:25.3%,US:69.5;EU:9.3;APAC:9.1;EM:10.8;Other:1.4,Value:+0.7;Growth:+0.8;Quality:+0.8;Size:-0.8;Momentum:-0.5;LowVol:+0.2,ESGOnly;MaxPos8%;NoMargin,6,30,3.6,trailing 8%,119,13.0,Bull,11.6,4.83,2.2,82,50,89,23,false,Rebalance,Shift +1% to bonds from equity,0,-16,BrokerD,MKT,92,None,None,Normal monitoring,-2,-25,-10,5,false,Within IPS guidelines
P4596,Active,Roth,USD,2024-08-28,1770164,148651,1621513,1.22,58.7,18.2,16.6,6.5,QQQ:16.9%;BND:24.2%;XLF:24.2%;AMZN:10.4%;VOO:24.2%,US:61.3;EU:12.9;APAC:12.9;EM:9.5;Other:3.5,Value:+0.5;Growth:-0.9;Quality:-0.3;Size:-0.6;Momentum:-0.8;LowVol:-0.3,,6,35,4.6,hard 12%,141,16.9,Bull,13.9,4.84,3.2,107,76,98,50,false,Buy,Add to core equity +1%,27,-4,BrokerB,LMT,100,None,None,Normal monitoring,98,-14,101,4,false,Within IPS guidelines
P4597,Hands-off,IRA,USD,2024-10-05,557899,44022,513877,1.0,67.5,16.9,8.7,6.8,AMZN:12.8%;IEF:22.6%;QQQ:22.6%;MSFT:19.4%;VNQ:22.6%,US:71.6;EU:8.9;APAC:11.4;EM:6.1;Other:2.0,Value:-0.4;Growth:-0.3;Quality:+0.9;Size:-0.5;Momentum:-0.5;LowVol:-0.0,ESGOnly,6,35,5.3,trailing 8%,109,15.0,Bear,30.2,4.42,1.1,189,-107,5,77,true,Hedge,Buy index puts 1% notional,-12,-31,BrokerD,MKT,98,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,115,-28,191,3,false,Monitor dispersion and breadth
P4598,Hands-off,IRA,USD,2025-12-10,782524,38573,743951,1.0,71.2,21.8,0.0,7.0,VTI:19.1%;TLT:27.0%;AAPL:27.0%;MSFT:26.9%,US:68.8;EU:15.2;APAC:9.6;EM:4.2;Other:2.1,Value:+0.3;Growth:-0.7;Quality:-0.3;Size:+0.7;Momentum:+0.3;LowVol:-0.3,ESGOnly,5,30,5.0,hard 10%,115,13.0,Sideways,15.9,4.05,2.8,108,2,56,56,false,Buy,Add to core equity +1%,31,-14,BrokerC,MKT,95,None,None,Normal monitoring,92,-8,232,3,false,Within IPS guidelines
P4599,Active,Roth,USD,2025-01-28,2229597,168801,2060796,1.0,59.0,21.7,11.8,7.5,BRK.B:16.6%;AMZN:11.0%;QQQ:20.5%;VNQ:17.9%;HYG:13.5%;VOO:20.5%,US:72.2;EU:9.5;APAC:10.4;EM:4.0;Other:3.9,Value:+0.7;Growth:-0.5;Quality:+0.3;Size:-0.8;Momentum:-0.2;LowVol:+0.9,MaxPos7%;NoDerivatives,8,25,4.8,trailing 8%,135,21.1,Bull,16.8,4.1,2.8,119,8,66,39,false,Buy,Add to core equity +1%,-7,-22,BrokerC,LMT,98,None,None,Normal monitoring,40,14,27,3,false,Within IPS guidelines
P4600,Opportunistic,Trust,USD,2025-09-10,1336129,70928,1265201,1.23,75.0,21.0,0.0,4.0,TSLA:33.3%;VOO:33.3%;IEF:33.3%,US:69.4;EU:8.7;APAC:14.0;EM:4.7;Other:3.3,Value:-0.7;Growth:+0.9;Quality:+0.7;Size:+0.2;Momentum:+0.6;LowVol:+0.5,MaxPos5%,10,35,6.6,trailing 9%,263,33.7,Bull,12.8,3.8,2.4,96,79,74,40,false,Sell,Trim extended winner -1%,-4,-31,BrokerC,MKT,93,None,None,Normal monitoring,-19,12,13,3,false,Tax-aware sells next window
P4601,Active,Trust,USD,2025-03-03,1617267,107243,1510024,1.05,68.4,21.4,3.1,7.1,XLF:33.3%;VOO:33.3%;IEF:33.3%,US:71.3;EU:6.9;APAC:13.9;EM:5.3;Other:2.6,Value:+0.9;Growth:+0.5;Quality:+0.4;Size:-0.2;Momentum:+0.3;LowVol:-0.5,,5,35,4.6,trailing 9%,171,26.2,Bear,27.3,3.62,1.1,161,-52,34,78,true,Hedge,Buy index puts 1% notional,3,3,BrokerB,VWAP,94,Drift>tolerance,Reduce,Allocation drift beyond policy bands,35,-59,100,3,false,Tax-aware sells next window
P4602,Active,401k,USD,2025-10-07,509702,43239,466463,1.09,64.3,27.3,0.0,8.4,TSLA:23.5%;IEF:20.7%;GLD:23.2%;MUB:23.5%;HYG:9.2%,US:65.2;EU:10.0;APAC:14.4;EM:8.7;Other:1.6,Value:+0.3;Growth:-1.0;Quality:+0.6;Size:-0.2;Momentum:-1.0;LowVol:-0.6,MaxPos6%,10,30,5.1,trailing 8%,189,20.1,Sideways,21.3,4.98,3.4,128,26,68,51,false,Buy,Add to core equity +1%,-14,-34,BrokerB,LMT,90,None,None,Normal monitoring,13,-46,149,5,false,Increase defensive factor exposure
P4603,Cautious,Trust,USD,2025-02-05,448005,65708,382297,1.0,41.8,36.6,6.5,15.0,QQQ:20.2%;AMZN:12.6%;VTI:19.1%;AAPL:15.3%;VNQ:19.6%;HYG:13.2%,US:67.8;EU:17.0;APAC:8.7;EM:4.1;Other:2.5,Value:+0.7;Growth:-1.0;Quality:-0.3;Size:-0.4;Momentum:+0.8;LowVol:+0.8,ESGOnly;NoMargin,8,30,5.7,trailing 8%,105,19.0,Sideways,19.2,3.56,3.1,137,15,69,43,false,NoAction,Within bands; monitor,25,-13,BrokerD,VWAP,89,None,None,Normal monitoring,-21,-3,77,3,false,Tax-aware sells next window
P4604,Hands-off,IRA,USD,2025-10-29,176573,10229,166344,1.0,69.3,21.7,0.0,9.0,XLF:18.8%;HYG:18.6%;IEF:20.2%;QQQ:5.5%;VTI:20.2%;BRK.B:16.5%,US:73.0;EU:16.4;APAC:5.5;EM:3.5;Other:1.7,Value:+0.7;Growth:-0.7;Quality:-0.5;Size:-0.5;Momentum:-0.7;LowVol:-0.9,ESGOnly;MaxPos6%,7,25,3.2,trailing 8%,108,16.6,Bull,13.9,3.77,2.2,74,29,76,45,false,Buy,Add to core equity +1%,35,-40,BrokerD,LMT,97,None,None,Normal monitoring,101,-15,203,3,false,Tighten stops on momentum names
P4605,Active,401k,USD,2025-02-13,1253533,141407,1112126,1.0,59.2,23.7,10.2,6.8,TLT:19.2%;AMZN:23.3%;MUB:23.3%;BRK.B:23.3%;GLD:11.0%,US:69.2;EU:10.1;APAC:10.3;EM:8.1;Other:2.3,Value:+0.6;Growth:+0.9;Quality:+0.1;Size:+0.7;Momentum:+0.9;LowVol:-0.3,,6,25,5.3,trailing 9%,127,16.5,Sideways,17.7,4.92,2.7,118,25,55,46,false,Rebalance,Shift +1% to bonds from equity,10,10,BrokerC,VWAP,99,None,None,Normal monitoring,84,-51,176,3,false,Tighten stops on momentum names
P4606,Opportunistic,IRA,USD,2025-09-04,1152228,56224,1096004,1.0,70.0,17.7,5.0,7.3,QQQ:28.4%;VNQ:14.8%;HYG:28.4%;XLF:28.4%,US:76.9;EU:7.7;APAC:8.2;EM:3.9;Other:3.2,Value:0.0;Growth:+0.9;Quality:+0.1;Size:0.0;Momentum:+0.5;LowVol:-0.4,MaxPos7%,6,25,5.9,trailing 9%,213,23.8,Sideways,19.4,3.78,3.2,91,16,48,69,true,Reduce,"Cut high-beta by 2-3%, add cash",11,-27,BrokerD,LMT,87,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-42,8,55,3,true,Increase defensive factor exposure
P4607,Systematic,Roth,USD,2024-07-26,663425,33686,629739,1.0,69.1,22.9,0.0,8.0,BRK.B:31.4%;GLD:34.3%;XLF:34.3%,US:71.5;EU:11.1;APAC:10.8;EM:5.8;Other:0.7,Value:-0.5;Growth:+0.7;Quality:+0.2;Size:-0.6;Momentum:-0.2;LowVol:-0.1,,6,25,4.2,trailing 8%,150,26.4,Bull,12.4,3.74,2.4,109,25,57,36,false,Rebalance,Shift +1% to bonds from equity,23,9,BrokerA,LMT,86,None,None,Normal monitoring,-43,-57,30,4,false,Monitor dispersion and breadth
P4608,Cautious,Taxable,USD,2025-01-19,663874,62692,601182,1.0,48.5,38.5,0.0,12.9,AMZN:22.9%;MSFT:22.9%;GLD:22.9%;VTI:8.6%;TSLA:22.9%,US:70.9;EU:11.7;APAC:6.7;EM:10.7;Other:0.0,Value:-0.9;Growth:+0.6;Quality:-0.8;Size:-0.3;Momentum:+0.2;LowVol:-0.4,ESGOnly;MaxPos5%;NoMargin,6,30,4.3,trailing 8%,125,14.7,Volatile,23.3,5.46,2.5,114,46,73,51,false,Rebalance,Shift +1% to bonds from equity,7,-3,BrokerD,MKT,96,None,None,Normal monitoring,115,-51,245,3,false,Monitor dispersion and breadth
P4609,Active,IRA,USD,2025-02-06,2147717,257560,1890157,1.0,59.1,27.9,5.1,7.9,AMZN:23.3%;IEF:23.3%;TSLA:23.3%;MSFT:11.3%;XLF:18.7%,US:66.0;EU:16.7;APAC:4.7;EM:8.1;Other:4.5,Value:-0.7;Growth:+1.0;Quality:-0.7;Size:+0.8;Momentum:-0.1;LowVol:-0.0,NoDerivatives,5,35,4.3,hard 12%,123,27.2,Volatile,27.3,5.36,3.9,176,12,62,64,true,Reduce,"Cut high-beta by 2-3%, add cash",5,7,BrokerD,MKT,95,VAR>budget,Hedge,Risk above budget threshold,115,-7,135,5,false,Within IPS guidelines
P4610,Hands-off,Trust,USD,2025-03-04,520391,29761,490630,1.0,62.4,25.8,3.9,7.9,HYG:20.7%;BND:12.8%;GLD:14.6%;VTI:20.7%;MUB:17.5%;XLF:13.7%,US:59.1;EU:13.8;APAC:9.9;EM:12.3;Other:4.9,Value:+0.7;Growth:-0.1;Quality:0.0;Size:+0.6;Momentum:+0.6;LowVol:-0.7,ESGOnly;MaxPos5%,6,25,4.4,trailing 10%,122,14.1,Sideways,14.5,3.62,3.4,93,-13,36,44,false,NoAction,Within bands; monitor,1,-17,BrokerD,MKT,0,None,None,Normal monitoring,112,13,148,4,false,Tax-aware sells next window
P4611,Active,Trust,USD,2025-07-03,1150681,134502,1016179,1.0,53.9,18.3,21.6,6.2,VOO:13.6%;TSLA:21.9%;MUB:21.9%;TLT:21.9%;VTI:20.7%,US:62.2;EU:16.2;APAC:9.5;EM:8.1;Other:4.0,Value:+0.5;Growth:-0.9;Quality:0.0;Size:-0.5;Momentum:+0.5;LowVol:+0.4,MaxPos5%,5,25,4.2,trailing 9%,210,22.2,Sideways,21.6,4.61,2.5,100,11,70,65,false,Buy,Add to core equity +1%,21,-15,BrokerB,MKT,92,None,None,Normal monitoring,112,20,188,4,false,Monitor dispersion and breadth
P4612,Cautious,Taxable,USD,2024-09-06,296797,34642,262155,1.0,44.7,33.0,11.4,11.0,QQQ:23.8%;AAPL:23.8%;GLD:23.8%;VTI:17.9%;BRK.B:10.7%,US:68.0;EU:8.4;APAC:10.6;EM:9.6;Other:3.4,Value:+0.9;Growth:-0.6;Quality:+0.5;Size:+0.4;Momentum:+1.0;LowVol:-0.3,ESGOnly;MaxPos5%;NoMargin,6,25,3.0,hard 10%,107,14.1,Sideways,14.3,3.57,2.7,132,24,59,35,true,Rebalance,Rebalance back to target bands,23,-24,BrokerD,MKT,86,VAR>budget,Reduce,Risk above budget threshold,-29,-32,42,2,false,Tax-aware sells next window
P4613,Systematic,Trust,USD,2025-09-04,1252787,50214,1202573,1.0,62.6,28.8,0.7,7.9,VTI:26.1%;MUB:26.1%;XLF:21.8%;BRK.B:26.1%,US:63.7;EU:7.1;APAC:13.9;EM:13.6;Other:1.7,Value:-0.5;Growth:-0.2;Quality:-0.9;Size:-0.9;Momentum:+0.4;LowVol:-0.8,NoDerivatives,7,35,5.3,trailing 8%,120,20.7,Sideways,18.9,4.84,2.6,103,-17,36,47,false,Hedge,Add TLT +1% as duration hedge,9,-33,BrokerC,LMT,93,None,None,Normal monitoring,-56,18,7,4,false,Within IPS guidelines
P4614,Opportunistic,Trust,USD,2025-06-23,506683,29633,477050,1.0,62.3,14.5,18.3,4.9,VOO:25.0%;XLF:25.0%;VTI:25.0%;BRK.B:25.0%,US:70.4;EU:11.5;APAC:12.1;EM:3.7;Other:2.4,Value:+0.1;Growth:-0.4;Quality:-0.9;Size:-0.3;Momentum:-0.6;LowVol:-0.5,,5,35,5.4,trailing 9%,272,34.4,Bear,34.3,4.33,1.6,166,-64,29,88,true,Hedge,Buy index puts 1% notional,-15,-2,BrokerB,MKT,90,RegimeShift,TightenStops,Volatility spike and breadth deterioration,42,-25,104,2,false,Within IPS guidelines
P4615,Hands-off,Taxable,USD,2024-07-19,830378,38531,791847,1.0,56.2,20.4,16.5,6.8,VNQ:22.5%;TSLA:22.5%;VTI:7.7%;BRK.B:18.4%;QQQ:19.7%;GLD:9.2%,US:65.1;EU:13.7;APAC:6.7;EM:10.1;Other:4.4,Value:-0.3;Growth:+0.1;Quality:+0.4;Size:-0.3;Momentum:+0.7;LowVol:+0.6,MaxPos7%;NoDerivatives,7,30,4.5,trailing 10%,98,18.9,Volatile,20.4,4.8,4.2,134,-48,27,58,true,Hedge,Buy index puts 1% notional,33,-3,BrokerD,LMT,90,Drift>tolerance,Reduce,Allocation drift beyond policy bands,70,-45,171,2,false,Increase defensive factor exposure
P4616,Cautious,IRA,USD,2024-12-11,855166,75938,779228,1.0,39.3,37.7,5.4,17.6,HYG:17.9%;AMZN:20.3%;MUB:15.2%;BND:19.0%;GLD:20.3%;QQQ:7.2%,US:69.3;EU:12.9;APAC:8.1;EM:7.3;Other:2.4,Value:-0.3;Growth:+1.0;Quality:-0.4;Size:-0.3;Momentum:-0.1;LowVol:-0.8,NoMargin,6,30,5.8,hard 10%,102,13.1,Sideways,18.0,3.93,2.4,125,-29,36,40,false,Hedge,Add TLT +1% as duration hedge,-13,-5,BrokerC,LMT,89,None,None,Normal monitoring,27,7,162,5,false,Monitor dispersion and breadth
P4617,Cautious,Roth,USD,2024-12-18,439418,58064,381354,1.0,36.6,34.8,14.4,14.2,AMZN:25.6%;VTI:23.1%;VOO:25.6%;VNQ:25.6%,US:76.1;EU:6.1;APAC:8.5;EM:3.9;Other:5.3,Value:-0.4;Growth:+0.8;Quality:+0.9;Size:+0.8;Momentum:+0.9;LowVol:+0.5,ESGOnly;NoMargin,7,25,5.1,trailing 10%,162,14.5,Volatile,29.6,4.72,2.2,147,-22,29,68,false,Hedge,Add TLT +1% as duration hedge,20,-38,BrokerC,MKT,95,None,None,Normal monitoring,43,-12,65,3,false,Tighten stops on momentum names
P4618,Opportunistic,401k,USD,2024-12-06,1618840,87611,1531229,1.0,72.6,15.6,6.8,5.0,MSFT:11.1%;QQQ:21.8%;IEF:12.7%;BND:15.7%;HYG:21.8%;VTI:16.7%,US:65.3;EU:15.1;APAC:10.6;EM:7.4;Other:1.8,Value:+1.0;Growth:-0.7;Quality:-0.7;Size:+0.7;Momentum:-0.2;LowVol:+0.8,MaxPos7%,5,35,4.1,hard 12%,230,29.0,Volatile,21.0,3.77,2.9,152,4,51,74,true,Rebalance,Rebalance back to target bands,-13,-15,BrokerB,VWAP,90,RegimeShift,TightenStops,Volatility spike and breadth deterioration,-8,-17,33,2,false,Tighten stops on momentum names
P4619,Cautious,Roth,USD,2025-09-25,408211,52056,356155,1.0,36.9,31.5,19.0,12.6,GLD:15.9%;MUB:28.0%;XLF:28.0%;AAPL:28.0%,US:63.6;EU:12.4;APAC:10.9;EM:9.1;Other:4.0,Value:+0.2;Growth:+0.4;Quality:+0.6;Size:+0.3;Momentum:-0.1;LowVol:-0.9,NoMargin,5,35,3.8,trailing 10%,147,18.1,Bear,24.7,3.23,1.9,176,-15,48,48,false,NoAction,Within bands; monitor,-1,8,BrokerA,MKT,0,None,None,Normal monitoring,-11,-20,44,3,false,Increase defensive factor exposure
P4620,Opportunistic,Trust,USD,2025-04-11,1160026,61320,1098706,1.19,65.5,17.3,8.7,8.5,MSFT:33.3%;VOO:33.3%;GLD:33.3%,US:67.9;EU:8.4;APAC:12.5;EM:7.9;Other:3.3,Value:-0.4;Growth:+0.7;Quality:-0.5;Size:-0.8;Momentum:-0.6;LowVol:+0.4,,8,25,4.2,trailing 7%,212,32.2,Bull,12.1,3.64,2.1,76,4,45,53,false,Rebalance,Shift +1% to bonds from equity,15,-37,BrokerB,LMT,90,None,None,Normal monitoring,-19,6,-20,5,false,Increase defensive factor exposure
P4621,Active,Trust,USD,2024-08-17,712384,77370,635014,1.0,65.1,29.5,0.0,5.4,VTI:25.0%;AAPL:25.0%;MSFT:25.0%;HYG:25.0%,US:64.3;EU:18.9;APAC:7.3;EM:6.1;Other:3.4,Value:+0.1;Growth:-0.1;Quality:+0.6;Size:+0.1;Momentum:-0.7;LowVol:-0.1,,10,30,5.6,hard 12%,135,18.2,Sideways,15.2,4.15,2.7,140,59,77,44,false,Buy,Add to core equity +1%,1,-18,BrokerC,LMT,100,None,None,Normal monitoring,-50,-48,65,5,false,Within IPS guidelines
P4622,Hands-off,401k,USD,2024-10-15,432052,18156,413896,1.0,63.6,20.2,8.7,7.5,XLF:33.3%;BRK.B:33.3%;QQQ:33.3%,US:70.6;EU:6.9;APAC:12.5;EM:4.3;Other:5.8,Value:-0.5;Growth:+0.7;Quality:-0.1;Size:-1.0;Momentum:-0.6;LowVol:-0.7,ESGOnly;MaxPos8%;NoDerivatives,6,25,4.5,trailing 8%,93,17.2,Bear,27.0,4.08,2.6,172,22,56,68,false,Rebalance,Shift +1% to bonds from equity,15,-27,BrokerC,LMT,96,None,None,Normal monitoring,25,-37,44,3,false,Within IPS guidelines
P4623,Cautious,Roth,USD,2025-11-28,684788,104669,580119,1.0,40.7,44.6,2.1,12.6,BRK.B:16.6%;VNQ:7.5%;BND:20.7%;TLT:20.0%;IEF:20.7%;MSFT:14.5%,US:70.2;EU:15.5;APAC:7.1;EM:6.0;Other:1.2,Value:-0.2;Growth:+0.8;Quality:-0.4;Size:-0.9;Momentum:-0.3;LowVol:-0.5,NoMargin,6,25,4.8,trailing 10%,109,17.0,Bear,27.0,3.49,1.1,140,-103,5,49,false,Rebalance,Shift +1% to bonds from equity,-1,-10,BrokerB,LMT,97,None,None,Normal monitoring,40,-20,137,5,false,Tighten stops on momentum names
P4624,Active,Roth,USD,2025-12-05,2409290,279370,2129920,1.0,52.0,20.5,18.7,8.8,TSLA:22.0%;BRK.B:11.7%;MSFT:18.6%;XLF:22.0%;AAPL:15.8%;QQQ:9.9%,US:73.2;EU:11.5;APAC:10.7;EM:4.6;Other:0.1,Value:-0.5;Growth:+0.3;Quality:-1.0;Size:+0.4;Momentum:+0.3;LowVol:0.0,,10,25,4.3,hard 12%,200,25.3,Volatile,25.1,4.16,3.1,146,-26,34,70,false,Rebalance,Shift +1% to bonds from equity,17,13,BrokerA,VWAP,87,None,None,Normal monitoring,85,-9,191,5,false,Tighten stops on momentum names
P4625,Cautious,Trust,USD,2025-12-25,364503,50733,313770,1.0,43.7,39.8,0.0,16.5,VOO:33.3%;AAPL:33.3%;TLT:33.3%,US:55.3;EU:17.7;APAC:14.4;EM:10.1;Other:2.5,Value:+0.4;Growth:+0.5;Quality:+0.6;Size:+0.2;Momentum:-0.4;LowVol:-0.1,ESGOnly;MaxPos5%;NoDerivatives;NoMargin,10,25,4.3,hard 10%,139,14.9,Volatile,28.0,4.76,2.4,172,-32,22,71,true,Reduce,"Cut high-beta by 2-3%, add cash",12,-8,BrokerD,LMT,93,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-18,-38,84,3,false,Tax-aware sells next window
P4626,Systematic,401k,USD,2025-10-12,1793292,175707,1617585,1.0,55.8,20.6,15.8,7.8,TLT:22.4%;VOO:25.9%;IEF:25.9%;HYG:25.9%,US:63.8;EU:9.2;APAC:15.9;EM:6.9;Other:4.2,Value:-0.4;Growth:-0.2;Quality:+1.0;Size:+0.6;Momentum:+0.4;LowVol:+0.2,MaxPos6%,7,25,4.5,trailing 8%,165,19.0,Bear,28.1,3.39,1.4,183,31,69,59,false,Hedge,Add TLT +1% as duration hedge,10,-27,BrokerC,LMT,96,None,None,Normal monitoring,-29,-2,3,4,false,Tighten stops on momentum names
P4627,Systematic,Roth,USD,2025-03-19,841316,52106,789210,1.0,65.8,25.9,0.0,8.3,QQQ:16.2%;BRK.B:21.9%;VTI:18.2%;XLF:21.8%;MSFT:21.9%,US:64.9;EU:17.8;APAC:6.9;EM:6.3;Other:4.0,Value:+0.6;Growth:-0.6;Quality:+0.8;Size:+0.6;Momentum:-0.6;LowVol:-0.9,NoDerivatives,5,30,5.8,hard 12%,173,23.0,Sideways,18.8,4.53,3.4,91,45,75,57,false,Hedge,Add TLT +1% as duration hedge,21,-38,BrokerA,VWAP,99,None,None,Normal monitoring,59,-31,60,3,false,Increase defensive factor exposure
P4628,Opportunistic,Roth,USD,2025-08-22,612041,32098,579943,1.0,61.5,11.1,18.9,8.5,GLD:25.4%;AMZN:26.4%;BRK.B:21.9%;VOO:26.4%,US:61.4;EU:16.6;APAC:7.6;EM:9.6;Other:4.8,Value:-0.6;Growth:+0.6;Quality:+0.5;Size:-0.7;Momentum:+0.1;LowVol:-0.5,,8,30,5.6,trailing 7%,268,25.6,Volatile,27.9,5.36,3.0,125,25,54,72,true,Reduce,"Cut high-beta by 2-3%, add cash",-9,-32,BrokerD,MKT,86,VAR>budget,Reduce,Risk above budget threshold,75,-24,191,4,false,Tax-aware sells next window
P4629,Cautious,401k,USD,2025-07-18,691501,89490,602011,1.0,48.9,30.6,6.5,14.0,VNQ:13.2%;TSLA:18.8%;VOO:23.2%;IEF:23.2%;GLD:21.6%,US:62.1;EU:19.8;APAC:8.1;EM:8.2;Other:1.8,Value:+0.1;Growth:+0.2;Quality:-1.0;Size:+0.6;Momentum:+0.5;LowVol:-0.4,NoMargin,8,25,5.5,hard 10%,157,18.5,Sideways,21.3,4.81,2.5,119,41,78,47,false,Rebalance,Shift +1% to bonds from equity,-13,-10,BrokerA,LMT,93,None,None,Normal monitoring,48,-26,110,4,false,Monitor dispersion and breadth
P4630,Active,Roth,USD,2024-08-12,2475217,192531,2282686,1.06,54.6,31.0,4.5,9.9,MUB:26.7%;AMZN:19.9%;MSFT:26.7%;BRK.B:26.7%,US:66.1;EU:8.2;APAC:12.2;EM:10.0;Other:3.5,Value:-0.3;Growth:-0.5;Quality:+1.0;Size:-0.8;Momentum:-0.0;LowVol:+0.7,,10,25,4.7,hard 12%,215,27.5,Bull,17.2,4.64,2.5,104,22,66,53,false,Rebalance,Shift +1% to bonds from equity,16,-3,BrokerC,LMT,92,None,None,Normal monitoring,-6,9,1,5,false,Increase defensive factor exposure
P4631,Systematic,IRA,USD,2024-12-15,432986,22474,410512,1.0,63.3,29.2,0.0,7.5,MUB:18.8%;TLT:15.8%;VOO:16.4%;IEF:11.4%;TSLA:19.4%;VTI:18.3%,US:70.4;EU:11.3;APAC:5.8;EM:10.3;Other:2.2,Value:+0.1;Growth:+0.5;Quality:+0.5;Size:-0.2;Momentum:+0.3;LowVol:+1.0,,7,35,4.6,trailing 8%,211,20.4,Sideways,17.1,4.39,2.7,117,48,63,42,false,Rebalance,Shift +1% to bonds from equity,34,-13,BrokerC,MKT,86,None,None,Normal monitoring,74,-57,197,3,false,Tax-aware sells next window
P4632,Opportunistic,Trust,USD,2025-04-03,861923,69768,792155,1.0,66.5,20.1,8.3,5.1,XLF:11.8%;BRK.B:22.1%;TLT:22.1%;BND:22.1%;GLD:22.1%,US:73.5;EU:11.9;APAC:8.2;EM:3.7;Other:2.7,Value:-0.9;Growth:+0.8;Quality:+0.9;Size:-0.3;Momentum:-0.6;LowVol:+0.9,,8,30,5.0,hard 12%,163,32.4,Volatile,25.3,4.61,3.6,139,-50,31,66,false,NoAction,Within bands; monitor,-15,-11,BrokerC,MKT,0,None,None,Normal monitoring,91,-54,181,4,false,Within IPS guidelines
P4633,Cautious,Roth,USD,2025-03-02,851142,82134,769008,1.0,48.4,39.5,0.0,12.1,VTI:21.1%;AMZN:29.9%;BRK.B:29.9%;MSFT:19.0%,US:72.9;EU:10.0;APAC:5.5;EM:9.9;Other:1.7,Value:+0.3;Growth:+0.7;Quality:-0.3;Size:+0.3;Momentum:-0.8;LowVol:+0.3,NoMargin,10,35,4.3,trailing 8%,143,14.3,Bull,13.6,4.11,2.9,82,65,76,29,false,Sell,Trim extended winner -1%,-14,14,BrokerD,LMT,94,None,None,Normal monitoring,-26,-11,113,5,false,Tax-aware sells next window
P4634,Hands-off,Taxable,USD,2024-11-09,300824,19469,281355,1.0,66.9,20.0,3.8,9.3,MUB:33.3%;TSLA:33.3%;IEF:33.3%,US:61.7;EU:22.5;APAC:6.6;EM:7.2;Other:1.9,Value:+0.1;Growth:-0.0;Quality:-0.4;Size:+0.6;Momentum:+0.5;LowVol:+0.7,MaxPos8%,10,35,5.8,trailing 10%,131,12.7,Bull,13.5,4.14,2.4,101,85,85,56,false,Rebalance,Shift +1% to bonds from equity,31,-24,BrokerB,LMT,88,None,None,Normal monitoring,91,-22,86,3,false,Tighten stops on momentum names
P4635,Hands-off,IRA,USD,2025-10-26,767652,72397,695255,1.0,69.0,19.1,6.4,5.5,QQQ:23.1%;AAPL:22.8%;GLD:20.4%;TSLA:10.6%;HYG:23.1%,US:60.2;EU:16.6;APAC:12.8;EM:8.2;Other:2.2,Value:-0.4;Growth:+0.2;Quality:+0.4;Size:+0.3;Momentum:-0.4;LowVol:-0.0,,6,25,5.3,trailing 8%,165,12.2,Sideways,20.1,4.75,2.8,92,45,82,62,true,Reduce,"Cut high-beta by 2-3%, add cash",-6,8,BrokerD,MKT,92,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,91,-28,104,4,false,Tax-aware sells next window
P4636,Systematic,IRA,USD,2025-03-06,1375527,82122,1293405,1.0,60.7,30.5,0.0,8.8,IEF:20.8%;BRK.B:16.5%;TSLA:12.6%;TLT:9.5%;AAPL:19.7%;HYG:20.8%,US:65.8;EU:18.9;APAC:10.5;EM:4.5;Other:0.3,Value:+0.6;Growth:+0.8;Quality:-0.2;Size:+0.9;Momentum:+0.3;LowVol:+0.3,,7,35,5.4,trailing 8%,229,19.3,Bear,32.8,3.19,1.3,205,15,70,88,true,Hedge,Buy index puts 1% notional,30,-20,BrokerD,LMT,86,VAR>budget,Hedge,Risk above budget threshold,22,-38,55,3,false,Tax-aware sells next window
P4637,Active,Taxable,USD,2025-06-20,934406,70173,864233,1.0,57.7,31.8,2.8,7.8,AMZN:18.5%;MUB:27.7%;VOO:27.7%;TLT:26.2%,US:73.5;EU:11.1;APAC:7.2;EM:4.0;Other:4.2,Value:+0.3;Growth:-0.5;Quality:+0.9;Size:-0.0;Momentum:+1.0;LowVol:-0.6,NoDerivatives,6,30,4.5,trailing 9%,153,24.5,Volatile,22.9,4.87,3.0,148,12,71,62,false,Rebalance,Shift +1% to bonds from equity,25,13,BrokerD,LMT,93,None,None,Normal monitoring,47,9,84,5,false,Within IPS guidelines
P4638,Systematic,401k,USD,2025-12-06,639229,30905,608324,1.0,60.0,33.0,0.7,6.2,IEF:20.3%;MUB:13.5%;VNQ:16.0%;HYG:20.3%;QQQ:14.8%;BRK.B:15.2%,US:64.3;EU:16.0;APAC:8.8;EM:9.3;Other:1.5,Value:+0.1;Growth:+0.9;Quality:+0.7;Size:+0.3;Momentum:-0.3;LowVol:-1.0,MaxPos6%,6,30,5.8,trailing 9%,135,17.3,Sideways,16.7,3.9,3.2,98,29,52,47,false,Rebalance,Shift +1% to bonds from equity,4,-22,BrokerD,LMT,95,None,None,Normal monitoring,107,-19,129,3,false,Tighten stops on momentum names
P4639,Opportunistic,Roth,USD,2025-02-17,1583547,131851,1451696,1.0,68.3,19.0,6.0,6.7,VNQ:21.9%;XLF:16.3%;AMZN:21.9%;TLT:14.6%;GLD:13.5%;AAPL:11.7%,US:70.7;EU:10.3;APAC:10.5;EM:7.1;Other:1.3,Value:-0.5;Growth:-0.4;Quality:-0.0;Size:+0.6;Momentum:+0.9;LowVol:-0.5,NoDerivatives,5,30,5.7,trailing 7%,215,20.8,Sideways,21.5,4.35,2.8,96,37,82,72,false,Rebalance,Shift +1% to bonds from equity,-12,-4,BrokerA,MKT,97,None,None,Normal monitoring,-3,-7,124,3,false,Within IPS guidelines
P4640,Systematic,401k,USD,2025-01-09,1800792,87029,1713763,1.0,62.8,28.4,0.0,8.8,VOO:33.3%;IEF:33.3%;TSLA:33.3%,US:78.5;EU:5.9;APAC:8.7;EM:4.2;Other:2.7,Value:+0.3;Growth:+0.7;Quality:+0.8;Size:+0.5;Momentum:-0.9;LowVol:-0.8,,8,35,4.2,trailing 8%,146,26.2,Bull,17.2,4.29,2.2,81,88,100,52,false,NoAction,Within bands; monitor,26,-20,BrokerC,LMT,85,None,None,Normal monitoring,-25,-38,-10,5,false,Tax-aware sells next window
P4641,Cautious,Taxable,USD,2024-11-24,411065,59930,351135,1.0,54.6,33.1,0.0,12.4,IEF:29.4%;AAPL:20.6%;TLT:20.7%;VOO:29.4%,US:59.1;EU:15.3;APAC:12.9;EM:9.2;Other:3.4,Value:+0.7;Growth:-0.3;Quality:+0.5;Size:+0.4;Momentum:+0.3;LowVol:+0.4,MaxPos5%;NoMargin,8,35,5.5,hard 10%,135,19.8,Volatile,20.1,4.92,2.0,158,-31,35,46,false,Sell,Trim extended winner -1%,24,-13,BrokerB,MKT,99,None,None,Normal monitoring,-19,-31,5,5,false,Monitor dispersion and breadth
P4642,Systematic,401k,USD,2024-09-09,969273,56801,912472,1.0,56.2,20.8,14.5,8.6,TSLA:18.2%;VNQ:18.4%;AMZN:21.7%;QQQ:21.7%;AAPL:11.8%;MUB:8.2%,US:66.4;EU:8.1;APAC:11.1;EM:8.7;Other:5.7,Value:-0.7;Growth:+0.8;Quality:-0.5;Size:-0.8;Momentum:-0.2;LowVol:-0.9,MaxPos5%,6,25,5.3,trailing 8%,227,25.1,Bear,33.5,3.87,1.8,188,-29,45,78,true,Rebalance,Rebalance back to target bands,-8,5,BrokerD,LMT,96,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-20,-19,66,5,false,Monitor dispersion and breadth
P4643,Cautious,IRA,USD,2025-05-06,378045,51933,326112,1.0,43.8,32.3,9.6,14.3,QQQ:15.8%;XLF:24.1%;MUB:11.9%;TLT:24.1%;VNQ:24.1%,US:62.9;EU:18.1;APAC:9.7;EM:8.2;Other:1.2,Value:+1.0;Growth:+0.7;Quality:-0.3;Size:-0.7;Momentum:-0.2;LowVol:-0.9,NoMargin,8,35,4.3,trailing 10%,167,13.2,Sideways,20.1,4.12,3.0,114,-21,36,50,false,Rebalance,Shift +1% to bonds from equity,-15,-19,BrokerB,LMT,94,None,None,Normal monitoring,9,-51,-13,3,false,Within IPS guidelines
P4644,Hands-off,Trust,USD,2025-08-12,247843,21437,226406,1.0,68.5,26.3,0.0,5.2,AAPL:23.3%;XLF:16.1%;GLD:23.3%;IEF:14.1%;QQQ:23.3%,US:63.3;EU:18.1;APAC:11.8;EM:3.5;Other:3.3,Value:-0.7;Growth:-0.9;Quality:-0.5;Size:+0.4;Momentum:-1.0;LowVol:+0.2,,7,35,5.7,trailing 8%,97,13.6,Sideways,16.8,4.68,2.3,112,51,63,49,true,Hedge,Buy index puts 1% notional,-5,3,BrokerA,LMT,88,RegimeShift,Reduce,Volatility spike and breadth deterioration,25,-11,65,4,true,Within IPS guidelines
P4645,Systematic,Trust,USD,2025-02-17,1085830,94363,991467,1.0,66.1,26.2,0.0,7.8,GLD:11.6%;VTI:23.2%;AMZN:17.4%;MUB:23.2%;HYG:14.2%;BND:10.4%,US:67.3;EU:10.2;APAC:13.1;EM:6.3;Other:3.1,Value:+0.4;Growth:-0.7;Quality:+0.3;Size:-0.6;Momentum:-0.8;LowVol:+1.0,MaxPos6%,5,25,4.2,trailing 9%,218,27.8,Volatile,26.8,4.88,3.5,163,-14,54,78,true,Reduce,"Cut high-beta by 2-3%, add cash",4,2,BrokerA,LMT,99,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-29,-40,-53,4,false,Tax-aware sells next window
P4646,Cautious,Roth,USD,2024-12-18,171043,15302,155741,1.0,37.6,44.7,3.2,14.5,HYG:21.8%;TSLA:17.6%;MUB:22.2%;TLT:16.3%;VNQ:22.2%,US:64.5;EU:11.7;APAC:13.3;EM:7.0;Other:3.5,Value:+0.4;Growth:-0.2;Quality:-0.2;Size:-0.6;Momentum:0.0;LowVol:+0.9,NoMargin,10,35,3.2,trailing 8%,140,17.9,Volatile,27.5,3.76,2.4,124,51,67,67,false,Rebalance,Shift +1% to bonds from equity,-5,-35,BrokerB,LMT,97,None,None,Normal monitoring,-40,-4,32,5,false,Monitor dispersion and breadth
P4647,Active,Roth,USD,2024-12-11,886018,56642,829376,1.25,63.3,28.9,0.0,7.8,HYG:9.5%;MUB:22.9%;AMZN:22.9%;XLF:22.9%;VTI:10.0%;VOO:11.8%,US:68.8;EU:14.2;APAC:10.0;EM:4.6;Other:2.5,Value:-0.3;Growth:+0.8;Quality:+0.4;Size:-0.2;Momentum:-0.3;LowVol:-0.5,,10,35,5.7,trailing 8%,171,25.6,Sideways,16.8,4.59,3.3,97,-8,57,59,false,Sell,Trim extended winner -1%,20,-4,BrokerD,LMT,91,None,None,Normal monitoring,33,-57,154,5,false,Monitor dispersion and breadth
P4648,Opportunistic,Roth,USD,2025-01-20,1675226,57322,1617904,1.0,70.3,13.7,8.6,7.4,HYG:33.3%;TSLA:33.3%;MUB:33.3%,US:72.2;EU:5.6;APAC:11.1;EM:10.6;Other:0.6,Value:+0.2;Growth:-0.7;Quality:+0.9;Size:-0.2;Momentum:+0.3;LowVol:+0.6,NoDerivatives,5,30,6.5,trailing 9%,274,28.2,Bull,14.7,5.0,3.0,112,86,100,52,false,Buy,Add to core equity +1%,18,5,BrokerD,MKT,87,None,None,Normal monitoring,-43,7,64,4,false,Tighten stops on momentum names
P4649,Cautious,Taxable,USD,2024-11-23,429651,44034,385617,1.0,39.3,41.6,1.2,17.9,BRK.B:27.8%;VNQ:16.5%;TSLA:27.8%;VTI:27.8%,US:64.6;EU:20.2;APAC:6.6;EM:8.0;Other:0.6,Value:-0.2;Growth:-0.4;Quality:-0.8;Size:-0.8;Momentum:+0.4;LowVol:-0.0,ESGOnly;NoMargin,8,35,4.9,trailing 10%,113,19.1,Sideways,16.8,4.3,2.8,99,51,80,40,false,Hedge,Add TLT +1% as duration hedge,-4,-2,BrokerB,LMT,89,None,None,Normal monitoring,111,-54,106,5,false,Monitor dispersion and breadth
P4650,Systematic,401k,USD,2025-01-15,1764817,90332,1674485,1.0,69.1,21.1,2.5,7.3,VOO:13.4%;AAPL:18.3%;XLF:21.9%;AMZN:11.6%;BND:14.6%;BRK.B:20.3%,US:65.2;EU:17.3;APAC:7.9;EM:8.4;Other:1.2,Value:+0.4;Growth:-0.6;Quality:-0.4;Size:-0.1;Momentum:-0.1;LowVol:-0.0,MaxPos5%,7,35,5.2,trailing 9%,220,18.3,Sideways,17.5,4.57,3.2,132,-19,36,49,false,NoAction,Within bands; monitor,30,-2,BrokerB,MKT,0,None,None,Normal monitoring,13,-22,121,3,false,Tighten stops on momentum names
P4651,Hands-off,Roth,USD,2025-06-18,245156,13215,231941,1.0,62.1,18.0,12.7,7.1,MUB:33.3%;VOO:33.3%;HYG:33.3%,US:70.1;EU:10.7;APAC:10.2;EM:8.8;Other:0.2,Value:-0.5;Growth:+0.8;Quality:+0.8;Size:+0.9;Momentum:+0.6;LowVol:-0.5,MaxPos5%,6,35,4.4,trailing 8%,117,19.6,Bear,24.0,3.43,1.6,148,-25,22,74,true,Rebalance,Rebalance back to target bands,24,-24,BrokerA,MKT,98,RegimeShift,Pause,Volatility spike and breadth deterioration,4,12,111,3,false,Increase defensive factor exposure
P4652,Hands-off,Roth,USD,2024-09-15,491411,38304,453107,1.0,58.0,19.5,16.3,6.2,XLF:33.3%;IEF:33.3%;VTI:33.3%,US:61.6;EU:8.5;APAC:14.1;EM:10.4;Other:5.4,Value:+0.1;Growth:-0.7;Quality:-0.1;Size:-0.8;Momentum:-0.6;LowVol:+0.9,,10,25,3.3,trailing 8%,145,16.2,Sideways,17.7,4.4,2.0,95,21,56,60,false,Sell,Trim extended winner -1%,5,-14,BrokerB,MKT,94,None,None,Normal monitoring,-37,19,-37,4,false,Increase defensive factor exposure
P4653,Cautious,Trust,USD,2025-02-09,854765,82321,772444,1.0,42.3,31.1,14.2,12.4,TLT:19.8%;VTI:26.7%;VNQ:26.7%;BRK.B:26.7%,US:62.8;EU:17.1;APAC:12.1;EM:6.4;Other:1.5,Value:+0.2;Growth:-0.4;Quality:-0.5;Size:-0.5;Momentum:-0.7;LowVol:+0.4,MaxPos5%;NoDerivatives;NoMargin,8,35,5.0,trailing 8%,110,18.0,Volatile,28.1,3.52,4.1,179,60,84,53,false,NoAction,Within bands; monitor,27,-6,BrokerB,MKT,0,None,None,Normal monitoring,-40,-16,25,3,false,Increase defensive factor exposure
P4654,Cautious,401k,USD,2025-08-22,856320,105723,750597,1.0,49.4,38.9,0.0,11.8,TSLA:25.3%;VOO:25.3%;MSFT:25.3%;MUB:24.0%,US:59.9;EU:16.8;APAC:14.5;EM:5.2;Other:3.7,Value:+0.2;Growth:-0.2;Quality:+0.9;Size:+0.8;Momentum:+0.9;LowVol:-0.3,NoMargin,6,30,4.1,trailing 8%,119,14.9,Volatile,25.6,5.25,4.5,154,-12,36,60,true,Hedge,Buy index puts 1% notional,11,6,BrokerA,MKT,92,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-39,-58,52,4,true,Tax-aware sells next window
P4655,Active,Trust,USD,2024-12-28,1599199,114317,1484882,1.0,68.1,23.0,3.2,5.7,IEF:12.4%;BND:20.2%;XLF:11.6%;VOO:12.9%;AMZN:21.5%;AAPL:21.5%,US:70.7;EU:11.6;APAC:7.8;EM:7.8;Other:2.0,Value:+0.7;Growth:+0.5;Quality:+0.8;Size:-0.8;Momentum:-0.9;LowVol:+0.1,,8,30,4.4,hard 12%,215,17.3,Bull,13.9,3.85,3.0,114,92,92,48,false,Buy,Add to core equity +1%,12,-19,BrokerC,MKT,91,None,None,Normal monitoring,19,-29,-4,5,false,Increase defensive factor exposure
P4656,Hands-off,401k,USD,2025-01-21,263005,15636,247369,1.0,56.2,28.0,6.4,9.4,HYG:15.0%;AAPL:21.2%;IEF:10.3%;GLD:18.1%;QQQ:14.2%;VOO:21.2%,US:65.4;EU:8.2;APAC:12.7;EM:7.8;Other:5.9,Value:-0.2;Growth:+0.3;Quality:+0.1;Size:-0.2;Momentum:+0.8;LowVol:+0.3,MaxPos5%;NoDerivatives,10,25,4.4,trailing 10%,108,12.3,Bull,16.3,4.63,2.4,79,81,83,48,false,Rebalance,Shift +1% to bonds from equity,16,-12,BrokerB,MKT,90,None,None,Normal monitoring,101,-45,68,5,false,Monitor dispersion and breadth
P4657,Cautious,Trust,USD,2025-03-02,436352,39475,396877,1.0,38.6,30.7,15.5,15.2,BRK.B:18.6%;GLD:12.0%;TLT:13.8%;AAPL:17.3%;VTI:18.1%;TSLA:20.1%,US:70.2;EU:6.9;APAC:13.3;EM:7.1;Other:2.4,Value:+0.6;Growth:-0.3;Quality:-0.8;Size:+0.1;Momentum:-0.8;LowVol:+0.9,ESGOnly;NoDerivatives;NoMargin,10,35,4.5,hard 10%,138,15.9,Bull,12.9,4.82,3.2,119,66,84,21,false,Rebalance,Shift +1% to bonds from equity,30,-36,BrokerD,MKT,94,None,None,Normal monitoring,105,16,178,3,false,Monitor dispersion and breadth
P4658,Opportunistic,Trust,USD,2025-06-24,719847,51589,668258,1.0,72.8,16.5,4.3,6.4,XLF:28.2%;AMZN:28.2%;HYG:15.4%;MSFT:28.2%,US:76.7;EU:8.5;APAC:7.3;EM:5.7;Other:1.8,Value:-0.1;Growth:-1.0;Quality:+0.4;Size:-0.2;Momentum:-0.2;LowVol:-0.4,MaxPos8%,10,25,6.3,trailing 7%,214,30.5,Bull,11.0,4.35,2.5,88,103,100,55,true,Reduce,"Cut high-beta by 2-3%, add cash",23,9,BrokerA,MKT,86,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,75,12,93,4,false,Within IPS guidelines
P4659,Opportunistic,Roth,USD,2025-02-01,693608,28816,664792,1.0,73.8,15.1,6.3,4.8,GLD:33.3%;AAPL:33.3%;BND:33.3%,US:78.5;EU:5.7;APAC:7.8;EM:5.8;Other:2.1,Value:-0.3;Growth:-0.7;Quality:+0.3;Size:+0.4;Momentum:-0.2;LowVol:0.0,MaxPos6%,10,35,4.4,hard 12%,248,21.7,Bull,12.1,4.76,3.3,81,13,58,38,false,Hedge,Add TLT +1% as duration hedge,-9,-25,BrokerA,VWAP,93,None,None,Normal monitoring,-43,-29,85,3,false,Tax-aware sells next window
P4660,Cautious,Trust,USD,2025-09-18,393936,60245,333691,1.0,47.1,39.4,0.0,13.4,GLD:14.5%;VOO:21.4%;TSLA:21.4%;AMZN:21.4%;QQQ:21.4%,US:69.3;EU:9.8;APAC:15.0;EM:4.6;Other:1.4,Value:-0.9;Growth:+0.2;Quality:-0.1;Size:+1.0;Momentum:-0.8;LowVol:+0.6,ESGOnly;NoMargin,10,30,4.2,hard 10%,162,17.9,Bull,16.3,4.52,3.4,113,106,94,36,false,Rebalance,Shift +1% to bonds from equity,-14,-17,BrokerC,LMT,90,None,None,Normal monitoring,66,2,205,4,false,Tighten stops on momentum names
P4661,Hands-off,401k,USD,2024-08-10,690588,65029,625559,1.0,62.4,29.6,0.0,8.1,QQQ:35.1%;AMZN:35.1%;MSFT:29.8%,US:62.6;EU:16.2;APAC:10.9;EM:8.5;Other:1.8,Value:-0.7;Growth:+0.5;Quality:-0.8;Size:+0.4;Momentum:+0.7;LowVol:+0.4,ESGOnly,8,35,5.0,hard 10%,158,16.2,Bear,32.0,3.26,1.8,189,-82,12,85,true,Rebalance,Rebalance back to target bands,19,-19,BrokerB,LMT,95,VAR>budget,Reduce,Risk above budget threshold,39,11,72,5,false,Tax-aware sells next window
P4662,Opportunistic,Taxable,USD,2024-09-07,625886,21448,604438,1.11,62.4,13.2,19.8,4.5,VNQ:36.1%;MSFT:27.8%;QQQ:36.1%,US:70.4;EU:16.8;APAC:5.6;EM:4.7;Other:2.6,Value:+0.7;Growth:+0.7;Quality:+0.1;Size:-0.9;Momentum:-0.8;LowVol:-0.7,MaxPos7%,5,25,4.2,trailing 7%,160,34.2,Volatile,24.8,4.68,2.8,179,64,95,62,false,Rebalance,Shift +1% to bonds from equity,5,-39,BrokerA,VWAP,89,None,None,Normal monitoring,74,-23,136,4,false,Tax-aware sells next window
P4663,Active,Taxable,USD,2025-02-13,1451319,113373,1337946,1.0,59.1,22.1,10.0,8.9,XLF:21.3%;BRK.B:23.4%;TSLA:19.3%;IEF:12.6%;TLT:23.4%,US:67.3;EU:16.6;APAC:8.3;EM:3.0;Other:4.7,Value:+0.3;Growth:-0.1;Quality:-0.3;Size:+0.8;Momentum:-0.7;LowVol:-0.9,NoDerivatives,5,35,4.7,trailing 8%,224,22.5,Volatile,24.5,4.21,4.3,179,-57,6,63,false,Buy,Add to core equity +1%,7,15,BrokerC,VWAP,100,None,None,Normal monitoring,43,5,43,4,false,Monitor dispersion and breadth
P4664,Active,Roth,USD,2024-09-17,1101395,75028,1026367,1.0,59.6,23.3,11.4,5.7,AAPL:32.3%;MUB:33.9%;AMZN:33.9%,US:59.9;EU:17.2;APAC:14.9;EM:3.9;Other:4.1,Value:+0.4;Growth:+0.7;Quality:-0.9;Size:-0.2;Momentum:0.0;LowVol:-0.7,MaxPos7%;NoDerivatives,7,35,4.7,trailing 8%,174,27.5,Volatile,23.1,4.68,2.2,129,6,50,64,true,Reduce,"Cut high-beta by 2-3%, add cash",-1,-6,BrokerA,VWAP,93,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-52,-46,-62,4,false,Tighten stops on momentum names
P4665,Active,Roth,USD,2024-08-01,2053188,214875,1838313,1.0,61.3,28.1,0.9,9.6,MSFT:23.5%;MUB:18.5%;AAPL:19.0%;QQQ:23.5%;VTI:15.6%,US:68.2;EU:5.9;APAC:11.0;EM:10.4;Other:4.5,Value:-0.5;Growth:+0.9;Quality:-0.5;Size:+0.7;Momentum:-0.6;LowVol:-0.6,,10,25,4.2,trailing 8%,218,26.6,Volatile,28.6,5.28,3.4,142,-37,39,70,false,Rebalance,Shift +1% to bonds from equity,32,-22,BrokerA,LMT,98,None,None,Normal monitoring,48,-12,74,3,false,Increase defensive factor exposure
P4666,Cautious,401k,USD,2025-10-30,471162,55530,415632,1.0,45.2,30.7,13.1,11.0,MUB:21.5%;XLF:21.5%;AAPL:12.8%;TSLA:21.5%;GLD:15.8%;VTI:6.9%,US:63.0;EU:13.4;APAC:11.8;EM:7.8;Other:3.9,Value:+0.2;Growth:+0.3;Quality:-0.1;Size:+0.2;Momentum:+0.3;LowVol:+0.2,ESGOnly;MaxPos6%;NoDerivatives;NoMargin,7,25,4.5,hard 10%,162,15.3,Volatile,26.5,4.93,4.4,168,-11,34,70,false,Rebalance,Shift +1% to bonds from equity,-14,-16,BrokerC,LMT,96,None,None,Normal monitoring,-26,-44,44,3,false,Tax-aware sells next window
P4667,Hands-off,IRA,USD,2024-07-14,410249,24619,385630,1.0,65.8,19.6,6.9,7.8,AAPL:25.4%;IEF:23.7%;QQQ:25.4%;XLF:25.4%,US:73.7;EU:6.3;APAC:11.3;EM:6.0;Other:2.7,Value:-0.5;Growth:-0.5;Quality:+0.4;Size:-0.5;Momentum:+1.0;LowVol:-0.6,MaxPos7%;NoDerivatives,5,25,5.6,trailing 8%,170,19.7,Volatile,22.5,4.12,3.0,118,-42,32,61,false,Buy,Add to core equity +1%,3,14,BrokerA,LMT,87,None,None,Normal monitoring,38,-17,173,4,false,Tax-aware sells next window
P4668,Systematic,401k,USD,2025-10-08,1419393,129089,1290304,1.0,63.2,32.1,0.0,4.8,TLT:13.4%;AMZN:17.1%;BND:21.7%;VNQ:23.9%;MSFT:23.9%,US:64.4;EU:11.7;APAC:12.7;EM:9.6;Other:1.6,Value:+0.4;Growth:-0.5;Quality:+0.6;Size:+1.0;Momentum:+0.3;LowVol:-0.2,MaxPos5%,10,25,4.5,trailing 9%,210,18.9,Volatile,24.6,3.7,3.7,147,31,79,73,true,Reduce,"Cut high-beta by 2-3%, add cash",-12,-6,BrokerD,LMT,94,Drift>tolerance,Pause,Allocation drift beyond policy bands,60,-37,181,5,false,Tax-aware sells next window
P4669,Systematic,401k,USD,2025-06-06,1228741,110485,1118256,1.0,65.3,27.0,0.0,7.7,VTI:21.0%;BND:10.8%;TSLA:9.6%;QQQ:21.0%;MSFT:16.7%;VNQ:21.0%,US:77.5;EU:9.5;APAC:8.6;EM:3.8;Other:0.6,Value:-0.8;Growth:+0.2;Quality:-0.5;Size:-0.5;Momentum:+0.7;LowVol:-0.0,MaxPos6%,6,30,4.1,trailing 8%,212,25.7,Volatile,22.5,4.62,3.1,124,37,53,62,false,Buy,Add to core equity +1%,28,-1,BrokerC,LMT,91,None,None,Normal monitoring,76,-9,185,3,false,Increase defensive factor exposure
P4670,Systematic,401k,USD,2025-02-02,1746018,105249,1640769,1.0,62.4,31.0,0.0,6.6,VTI:25.9%;IEF:15.3%;XLF:22.5%;VOO:10.3%;VNQ:25.9%,US:64.5;EU:12.3;APAC:10.6;EM:8.8;Other:3.8,Value:-0.0;Growth:-0.6;Quality:+0.6;Size:-0.8;Momentum:+0.7;LowVol:-0.9,,6,30,5.1,trailing 8%,131,27.8,Bull,17.2,3.98,3.2,86,77,87,47,false,Sell,Trim extended winner -1%,-9,1,BrokerB,VWAP,96,None,None,Normal monitoring,99,10,226,3,false,Increase defensive factor exposure
P4671,Active,Roth,USD,2025-07-24,1464307,134695,1329612,1.0,63.0,23.5,3.6,9.9,QQQ:37.8%;MSFT:37.8%;TSLA:24.5%,US:67.3;EU:12.1;APAC:12.7;EM:5.7;Other:2.1,Value:+0.6;Growth:-0.3;Quality:+0.8;Size:+0.9;Momentum:-0.3;LowVol:+0.1,MaxPos8%,10,30,4.7,hard 12%,124,21.1,Volatile,20.1,4.88,3.4,129,-28,35,53,false,Buy,Add to core equity +1%,-6,-19,BrokerB,MKT,98,None,None,Normal monitoring,94,20,189,4,false,Monitor dispersion and breadth
P4672,Active,Trust,USD,2024-11-05,1319353,101438,1217915,1.0,64.6,27.9,0.0,7.5,BND:26.9%;TLT:19.2%;BRK.B:26.9%;MSFT:26.9%,US:76.1;EU:10.4;APAC:5.9;EM:6.6;Other:1.0,Value:+0.8;Growth:-0.2;Quality:-0.1;Size:+0.2;Momentum:+0.1;LowVol:+0.5,MaxPos6%;NoDerivatives,7,25,4.1,hard 12%,181,26.7,Bull,12.5,3.95,3.4,75,62,81,49,false,Sell,Trim extended winner -1%,-15,10,BrokerD,LMT,86,None,None,Normal monitoring,45,-5,153,4,false,Tighten stops on momentum names
P4673,Active,Taxable,USD,2024-12-25,690527,75001,615526,1.0,53.5,20.4,19.4,6.7,TLT:23.7%;AMZN:12.4%;TSLA:23.5%;BND:23.7%;XLF:16.7%,US:61.4;EU:15.7;APAC:10.6;EM:10.9;Other:1.5,Value:-0.4;Growth:-0.1;Quality:-0.8;Size:+0.7;Momentum:+0.5;LowVol:+0.8,MaxPos6%;NoDerivatives,10,25,4.5,trailing 9%,133,21.8,Bull,17.2,3.53,3.3,96,44,73,48,false,Sell,Trim extended winner -1%,0,-12,BrokerD,LMT,85,None,None,Normal monitoring,93,-14,121,3,false,Monitor dispersion and breadth
P4674,Systematic,Trust,USD,2024-09-07,1774719,112793,1661926,1.0,63.3,25.1,1.7,9.8,AMZN:33.3%;VNQ:33.3%;VTI:33.3%,US:60.2;EU:12.8;APAC:12.7;EM:10.7;Other:3.6,Value:+0.6;Growth:-0.1;Quality:0.0;Size:+0.7;Momentum:-0.3;LowVol:-0.7,MaxPos8%,10,25,5.0,hard 12%,191,17.9,Volatile,21.5,4.72,3.5,147,55,83,52,false,Rebalance,Shift +1% to bonds from equity,-2,7,BrokerB,MKT,96,None,None,Normal monitoring,61,-40,181,4,false,Increase defensive factor exposure
P4675,Active,IRA,USD,2025-07-23,2167537,176467,1991070,1.0,62.4,29.5,0.7,7.4,HYG:33.3%;AAPL:33.3%;MUB:33.3%,US:68.3;EU:7.1;APAC:13.8;EM:10.1;Other:0.7,Value:-0.5;Growth:+0.2;Quality:+0.2;Size:+0.5;Momentum:+0.3;LowVol:-0.6,NoDerivatives,10,30,4.6,trailing 8%,145,26.1,Bull,14.8,4.06,2.2,91,78,100,52,false,Rebalance,Shift +1% to bonds from equity,-15,-31,BrokerB,LMT,90,None,None,Normal monitoring,60,-10,25,3,false,Increase defensive factor exposure
P4676,Opportunistic,401k,USD,2025-04-16,1005337,64001,941336,1.0,66.5,19.4,7.3,6.8,VTI:33.3%;BRK.B:33.3%;HYG:33.3%,US:64.4;EU:14.0;APAC:10.5;EM:8.3;Other:2.7,Value:-0.1;Growth:-0.2;Quality:+0.4;Size:+0.2;Momentum:-0.7;LowVol:+0.2,,8,25,6.4,hard 12%,246,29.8,Bull,17.1,4.47,3.1,93,19,50,49,false,Sell,Trim extended winner -1%,23,7,BrokerA,LMT,95,None,None,Normal monitoring,-13,-9,-9,5,false,Within IPS guidelines
P4677,Hands-off,Taxable,USD,2025-07-18,718838,41936,676902,1.0,58.2,28.0,8.0,5.8,GLD:33.3%;MUB:33.3%;IEF:33.3%,US:62.9;EU:16.4;APAC:10.8;EM:7.5;Other:2.4,Value:+0.9;Growth:+0.8;Quality:+0.9;Size:-0.8;Momentum:+0.8;LowVol:-0.9,ESGOnly,6,25,4.5,trailing 10%,149,13.1,Sideways,15.1,4.91,3.4,129,14,65,49,false,Sell,Trim extended winner -1%,25,-12,BrokerB,LMT,91,None,None,Normal monitoring,11,6,11,3,false,Tax-aware sells next window
P4678,Hands-off,Taxable,USD,2025-11-19,739120,67373,671747,1.0,59.2,18.0,14.0,8.9,HYG:28.3%;GLD:28.3%;BND:15.0%;VNQ:28.3%,US:65.8;EU:15.9;APAC:7.2;EM:9.8;Other:1.2,Value:-0.6;Growth:+0.8;Quality:-0.3;Size:+0.5;Momentum:-0.6;LowVol:+0.8,ESGOnly;MaxPos7%,7,25,3.2,hard 10%,91,18.4,Bull,12.1,4.69,3.5,70,25,65,40,false,Sell,Trim extended winner -1%,2,-34,BrokerC,VWAP,89,None,None,Normal monitoring,-27,-9,74,4,false,Increase defensive factor exposure
P4679,Cautious,Trust,USD,2024-11-02,158347,24815,133532,1.0,48.0,42.0,0.0,10.0,TSLA:12.2%;VTI:19.7%;BND:20.3%;GLD:15.4%;AMZN:18.0%;HYG:14.4%,US:62.0;EU:19.2;APAC:11.9;EM:6.7;Other:0.2,Value:+0.7;Growth:-0.3;Quality:-0.8;Size:+0.9;Momentum:+0.1;LowVol:-0.1,ESGOnly;NoDerivatives;NoMargin,10,30,5.8,trailing 8%,164,19.9,Sideways,18.2,3.96,3.3,92,44,80,55,false,Buy,Add to core equity +1%,3,-2,BrokerA,MKT,93,None,None,Normal monitoring,77,-9,193,3,false,Tighten stops on momentum names
P4680,Opportunistic,Trust,USD,2025-03-24,1025757,67105,958652,1.0,70.8,10.5,14.1,4.6,VTI:21.5%;XLF:9.6%;MUB:17.1%;VOO:21.5%;TLT:8.8%;VNQ:21.5%,US:70.3;EU:9.8;APAC:6.6;EM:11.3;Other:2.0,Value:+0.4;Growth:-0.3;Quality:-0.2;Size:+0.2;Momentum:+0.6;LowVol:+0.5,NoDerivatives,8,35,4.2,trailing 7%,245,34.8,Volatile,29.8,5.36,2.3,178,37,64,76,true,Hedge,Buy index puts 1% notional,32,-2,BrokerB,LMT,89,Drift>tolerance,Reduce,Allocation drift beyond policy bands,91,-55,201,5,false,Tax-aware sells next window
P4681,Opportunistic,401k,USD,2025-02-07,1216700,70479,1146221,1.21,72.9,17.9,2.4,6.8,BND:13.3%;TLT:18.6%;MUB:9.3%;QQQ:20.7%;VNQ:20.7%;XLF:17.4%,US:61.8;EU:18.4;APAC:5.3;EM:10.5;Other:4.0,Value:+0.1;Growth:+0.7;Quality:+0.3;Size:-0.2;Momentum:-0.5;LowVol:-0.2,,10,25,5.3,hard 12%,245,20.5,Volatile,28.1,4.78,2.7,121,71,88,76,true,Rebalance,Rebalance back to target bands,34,-20,BrokerD,MKT,90,VAR>budget,TightenStops,Risk above budget threshold,78,-43,65,4,false,Tighten stops on momentum names
P4682,Opportunistic,401k,USD,2025-03-21,906777,61694,845083,1.0,72.8,11.3,7.4,8.4,TLT:26.6%;TSLA:20.2%;AAPL:26.6%;VTI:26.6%,US:63.9;EU:16.6;APAC:11.7;EM:3.6;Other:4.2,Value:-0.3;Growth:-0.7;Quality:+0.1;Size:-0.0;Momentum:-0.9;LowVol:+0.4,MaxPos6%;NoDerivatives,10,30,4.5,trailing 9%,160,25.4,Bear,31.4,4.37,2.3,198,-25,26,94,true,Reduce,"Cut high-beta by 2-3%, add cash",-6,-38,BrokerA,LMT,96,RegimeShift,Reduce,Volatility spike and breadth deterioration,27,-8,-7,2,false,Tighten stops on momentum names
P4683,Active,Trust,USD,2025-09-22,1768509,146311,1622198,1.22,51.4,21.1,22.5,5.0,QQQ:17.3%;BND:17.0%;MUB:20.2%;TLT:8.4%;VNQ:20.2%;VTI:16.8%,US:62.2;EU:15.6;APAC:9.1;EM:9.3;Other:3.8,Value:-0.8;Growth:+0.3;Quality:-0.9;Size:+0.2;Momentum:-0.6;LowVol:+0.3,MaxPos8%;NoDerivatives,8,30,5.5,trailing 8%,196,26.5,Bull,16.4,4.68,3.2,112,90,80,41,false,NoAction,Within bands; monitor,13,-20,BrokerB,LMT,99,None,None,Normal monitoring,16,-42,7,4,false,Tax-aware sells next window
P4684,Hands-off,IRA,USD,2024-09-08,825535,44505,781030,1.0,63.8,17.5,10.3,8.4,GLD:25.9%;TLT:22.3%;TSLA:25.9%;QQQ:25.9%,US:57.7;EU:17.8;APAC:14.7;EM:7.3;Other:2.5,Value:-0.9;Growth:-1.0;Quality:-0.4;Size:-0.9;Momentum:+1.0;LowVol:-0.7,MaxPos5%;NoDerivatives,10,30,3.1,trailing 8%,123,17.7,Volatile,27.7,5.04,3.0,142,-52,12,64,false,Rebalance,Shift +1% to bonds from equity,-8,-9,BrokerA,LMT,93,None,None,Normal monitoring,20,6,31,5,false,Tighten stops on momentum names
P4685,Cautious,IRA,USD,2025-06-16,820181,124989,695192,1.0,44.0,41.5,1.3,13.2,HYG:21.9%;TSLA:19.1%;AMZN:15.5%;AAPL:21.9%;QQQ:21.6%,US:61.8;EU:13.8;APAC:12.3;EM:10.2;Other:1.9,Value:+0.2;Growth:+0.1;Quality:-0.8;Size:-0.1;Momentum:+0.4;LowVol:-0.7,NoMargin,6,30,4.5,trailing 10%,159,15.9,Sideways,21.4,3.59,2.9,139,11,52,43,false,Sell,Trim extended winner -1%,13,-6,BrokerA,MKT,97,None,None,Normal monitoring,82,9,52,4,false,Monitor dispersion and breadth
P4686,Cautious,401k,USD,2025-10-28,780739,101100,679639,1.0,43.7,35.3,7.8,13.2,VOO:20.5%;MUB:16.4%;VTI:9.7%;TLT:20.5%;QQQ:17.5%;BND:15.3%,US:68.9;EU:7.9;APAC:11.6;EM:7.3;Other:4.4,Value:-0.0;Growth:-0.4;Quality:-0.9;Size:-0.1;Momentum:+0.2;LowVol:+0.5,MaxPos7%;NoMargin,7,35,5.9,trailing 8%,162,13.0,Bull,14.7,4.56,2.3,79,101,92,36,false,Hedge,Add TLT +1% as duration hedge,-2,-5,BrokerC,LMT,87,None,None,Normal monitoring,28,-20,29,5,false,Within IPS guidelines
P4687,Hands-off,IRA,USD,2025-03-22,206229,11111,195118,1.0,59.3,21.8,11.9,7.0,TLT:26.7%;BRK.B:20.0%;IEF:26.7%;MUB:26.7%,US:71.6;EU:13.1;APAC:10.0;EM:4.4;Other:0.9,Value:+0.1;Growth:-0.1;Quality:-0.8;Size:+0.6;Momentum:+0.9;LowVol:-0.6,ESGOnly;NoDerivatives,10,25,4.5,trailing 8%,132,19.1,Sideways,15.2,4.42,2.9,139,-24,32,50,false,Buy,Add to core equity +1%,-9,7,BrokerA,VWAP,93,None,None,Normal monitoring,-23,16,-54,4,false,Tax-aware sells next window
P4688,Opportunistic,Taxable,USD,2024-09-13,527988,32983,495005,1.24,68.2,17.9,7.0,6.8,GLD:23.2%;MSFT:24.6%;BRK.B:26.1%;AAPL:26.1%,US:59.7;EU:16.5;APAC:11.4;EM:8.2;Other:4.2,Value:-0.7;Growth:-0.5;Quality:+0.1;Size:-0.4;Momentum:-0.2;LowVol:+0.5,,10,35,5.4,trailing 7%,238,33.5,Bull,17.2,4.71,2.4,104,49,79,61,false,Rebalance,Shift +1% to bonds from equity,-15,-9,BrokerA,MKT,87,None,None,Normal monitoring,37,-26,18,5,false,Increase defensive factor exposure
P4689,Hands-off,Trust,USD,2025-09-06,743285,33203,710082,1.0,64.1,28.2,0.0,7.8,BND:10.4%;AAPL:25.7%;TSLA:12.3%;VOO:25.7%;QQQ:25.7%,US:68.2;EU:9.3;APAC:10.1;EM:11.6;Other:0.8,Value:+0.7;Growth:-0.4;Quality:+0.1;Size:-0.8;Momentum:0.0;LowVol:-0.6,ESGOnly,10,30,4.9,trailing 8%,98,14.3,Bull,13.2,4.84,2.9,87,119,100,45,false,Buy,Add to core equity +1%,19,-23,BrokerD,MKT,88,None,None,Normal monitoring,22,15,138,5,false,Within IPS guidelines
P4690,Systematic,Taxable,USD,2024-09-09,1051664,52647,999017,1.0,56.0,32.2,6.4,5.4,VTI:33.3%;BRK.B:33.3%;AAPL:33.3%,US:73.7;EU:6.3;APAC:13.4;EM:6.1;Other:0.4,Value:-0.3;Growth:+0.2;Quality:+0.4;Size:+0.6;Momentum:+0.2;LowVol:+0.5,,7,25,4.7,hard 12%,173,22.8,Sideways,18.0,4.75,2.1,114,56,88,59,true,Rebalance,Rebalance back to target bands,10,9,BrokerC,LMT,100,VAR>budget,Pause,Risk above budget threshold,55,9,195,3,true,Tax-aware sells next window
P4691,Hands-off,IRA,USD,2025-03-20,549226,49748,499478,1.0,64.3,17.3,11.1,7.3,VOO:22.0%;QQQ:19.8%;GLD:22.0%;MUB:14.2%;HYG:22.0%,US:61.2;EU:18.2;APAC:7.2;EM:10.9;Other:2.5,Value:+0.3;Growth:+0.3;Quality:+0.7;Size:+0.2;Momentum:+0.8;LowVol:+0.3,MaxPos5%,7,30,3.6,trailing 8%,116,19.3,Sideways,17.4,4.3,2.1,129,13,54,54,false,Sell,Trim extended winner -1%,22,-26,BrokerD,LMT,98,None,None,Normal monitoring,76,2,113,4,false,Increase defensive factor exposure
P4692,Opportunistic,Trust,USD,2025-08-17,1766577,60069,1706508,1.0,73.5,18.1,0.0,8.4,MUB:26.5%;IEF:20.4%;TSLA:26.5%;GLD:26.5%,US:75.2;EU:9.6;APAC:8.1;EM:5.7;Other:1.4,Value:+0.2;Growth:0.0;Quality:-0.7;Size:-0.3;Momentum:-0.6;LowVol:-0.0,,5,35,6.6,trailing 9%,187,22.1,Sideways,14.4,4.39,3.0,104,53,71,43,false,Hedge,Add TLT +1% as duration hedge,14,-40,BrokerD,LMT,95,None,None,Normal monitoring,19,-10,115,4,false,Tax-aware sells next window
P4693,Cautious,Roth,USD,2025-05-03,289207,44227,244980,1.0,48.3,35.9,0.0,15.8,TLT:25.7%;XLF:25.7%;IEF:25.7%;BRK.B:22.9%,US:67.6;EU:11.5;APAC:8.6;EM:9.7;Other:2.7,Value:+0.1;Growth:-0.4;Quality:+0.6;Size:-0.7;Momentum:+0.5;LowVol:-0.3,ESGOnly;NoDerivatives;NoMargin,6,25,6.0,hard 10%,168,13.0,Bear,22.2,3.49,1.3,177,-79,22,47,true,Reduce,"Cut high-beta by 2-3%, add cash",32,-33,BrokerB,LMT,90,Drift>tolerance,Hedge,Allocation drift beyond policy bands,102,6,104,3,false,Tax-aware sells next window
P4694,Cautious,401k,USD,2024-11-14,559038,65914,493124,1.0,39.6,30.9,13.1,16.4,VNQ:25.8%;TSLA:10.1%;QQQ:12.3%;MUB:25.8%;MSFT:25.8%,US:74.7;EU:7.0;APAC:7.2;EM:8.5;Other:2.6,Value:-0.8;Growth:-0.8;Quality:+0.7;Size:-0.4;Momentum:-0.6;LowVol:+0.3,MaxPos5%;NoMargin,8,35,3.5,trailing 8%,113,12.1,Sideways,21.3,3.88,3.1,95,37,81,39,false,NoAction,Within bands; monitor,-15,-15,BrokerD,VWAP,95,None,None,Normal monitoring,-30,-44,13,5,false,Monitor dispersion and breadth
P4695,Cautious,Taxable,USD,2025-06-16,554045,53249,500796,1.0,44.6,40.2,0.0,15.2,VTI:22.3%;BRK.B:22.3%;QQQ:22.3%;GLD:9.5%;AAPL:14.0%;XLF:9.5%,US:69.4;EU:5.9;APAC:11.6;EM:9.3;Other:3.8,Value:-0.6;Growth:-0.7;Quality:+0.6;Size:-0.5;Momentum:-0.2;LowVol:-0.7,MaxPos8%;NoMargin,6,25,4.1,trailing 10%,106,19.1,Bull,17.7,4.86,2.6,72,56,80,46,false,Buy,Add to core equity +1%,4,15,BrokerA,LMT,97,None,None,Normal monitoring,83,-44,68,4,false,Tighten stops on momentum names
P4696,Hands-off,IRA,USD,2025-08-22,231002,14728,216274,1.0,57.7,19.7,17.2,5.3,TLT:34.4%;TSLA:34.4%;BRK.B:31.1%,US:62.0;EU:14.1;APAC:13.4;EM:8.6;Other:1.8,Value:+0.4;Growth:+0.2;Quality:+0.9;Size:+0.8;Momentum:-0.4;LowVol:-0.3,ESGOnly;NoDerivatives,7,30,3.8,trailing 8%,128,15.3,Bull,14.8,4.68,3.3,96,22,56,35,false,NoAction,Within bands; monitor,12,-1,BrokerC,LMT,100,None,None,Normal monitoring,46,-42,51,5,false,Tax-aware sells next window
P4697,Systematic,Trust,USD,2025-11-19,1067947,64620,1003327,1.0,57.7,27.3,8.5,6.5,QQQ:13.4%;VTI:24.6%;TLT:24.6%;BND:24.6%;GLD:12.9%,US:71.7;EU:11.9;APAC:9.1;EM:6.7;Other:0.6,Value:-0.4;Growth:+0.3;Quality:-0.4;Size:+0.9;Momentum:+1.0;LowVol:+0.4,MaxPos5%;NoDerivatives,6,25,4.9,trailing 9%,193,19.9,Bull,13.0,3.97,2.4,107,30,63,32,false,Sell,Trim extended winner -1%,30,-3,BrokerD,VWAP,91,None,None,Normal monitoring,-59,-18,33,4,false,Tax-aware sells next window
P4698,Active,Taxable,USD,2025-11-02,1153089,133538,1019551,1.23,61.7,22.5,7.3,8.5,VTI:22.9%;VOO:10.5%;BND:21.4%;AMZN:22.9%;TSLA:22.3%,US:58.2;EU:17.5;APAC:12.4;EM:9.9;Other:1.9,Value:+0.1;Growth:-0.7;Quality:-0.6;Size:-0.8;Momentum:-0.7;LowVol:-0.3,NoDerivatives,10,30,5.9,trailing 8%,216,26.4,Volatile,28.9,3.94,3.1,146,55,65,75,true,Reduce,"Cut high-beta by 2-3%, add cash",31,10,BrokerB,VWAP,90,Drift>tolerance,Hedge,Allocation drift beyond policy bands,86,-10,221,4,false,Tax-aware sells next window
P4699,Systematic,Roth,USD,2024-12-21,800966,56870,744096,1.0,58.1,23.7,13.0,5.2,BND:33.3%;TLT:33.3%;AAPL:33.3%,US:71.0;EU:10.8;APAC:12.9;EM:5.2;Other:0.2,Value:+0.1;Growth:+0.7;Quality:+0.7;Size:+0.2;Momentum:-0.4;LowVol:+0.1,MaxPos7%,10,35,4.2,hard 12%,220,16.3,Bull,17.0,4.48,3.0,118,113,100,38,false,Buy,Add to core equity +1%,8,-31,BrokerD,MKT,97,None,None,Normal monitoring,68,-17,101,4,false,Tax-aware sells next window
P4700,Hands-off,Trust,USD,2025-07-08,707702,34873,672829,1.0,70.2,22.1,0.0,7.8,VOO:23.9%;AMZN:10.4%;TSLA:11.6%;BRK.B:23.9%;XLF:18.3%;AAPL:11.9%,US:65.1;EU:20.1;APAC:6.6;EM:3.6;Other:4.6,Value:+0.6;Growth:-0.1;Quality:+0.1;Size:0.0;Momentum:+0.6;LowVol:-0.2,ESGOnly;MaxPos5%,8,30,4.3,trailing 8%,106,18.1,Sideways,20.0,4.11,3.0,117,-11,41,54,false,Rebalance,Shift +1% to bonds from equity,8,12,BrokerA,LMT,89,None,None,Normal monitoring,50,-14,66,4,false,Monitor dispersion and breadth
P4701,Hands-off,Trust,USD,2024-10-16,724071,40183,683888,1.0,70.6,17.8,2.0,9.6,TLT:18.9%;MUB:23.1%;BND:29.0%;QQQ:29.0%,US:74.6;EU:11.9;APAC:6.6;EM:4.6;Other:2.3,Value:+0.8;Growth:-0.6;Quality:+0.3;Size:-0.1;Momentum:-0.4;LowVol:+1.0,,7,35,3.3,hard 10%,165,12.4,Sideways,14.6,4.87,2.7,104,-13,57,47,false,Sell,Trim extended winner -1%,12,14,BrokerC,LMT,99,None,None,Normal monitoring,-34,-55,-64,4,false,Monitor dispersion and breadth
P4702,Systematic,Roth,USD,2024-10-12,1268332,95495,1172837,1.0,66.0,22.3,4.5,7.2,AAPL:16.1%;BND:24.5%;IEF:24.5%;MSFT:12.7%;TSLA:22.2%,US:71.8;EU:10.5;APAC:8.2;EM:6.5;Other:3.0,Value:+0.2;Growth:-0.7;Quality:-0.8;Size:-0.3;Momentum:-0.8;LowVol:-0.1,MaxPos6%,10,30,5.1,trailing 8%,207,17.0,Bull,15.8,3.66,2.0,92,9,46,60,true,Reduce,"Cut high-beta by 2-3%, add cash",27,10,BrokerA,MKT,88,RegimeShift,Reduce,Volatility spike and breadth deterioration,55,-52,22,2,false,Tighten stops on momentum names
P4703,Systematic,401k,USD,2024-12-07,1384104,133551,1250553,1.0,58.6,29.4,5.3,6.6,TLT:20.1%;VNQ:19.3%;GLD:14.0%;AAPL:18.5%;IEF:19.8%;QQQ:8.3%,US:75.2;EU:9.0;APAC:7.1;EM:5.9;Other:2.8,Value:-0.1;Growth:+0.2;Quality:+0.9;Size:-0.2;Momentum:-0.7;LowVol:-0.2,MaxPos7%,10,30,5.9,trailing 8%,170,27.8,Bear,26.1,3.46,1.7,208,6,44,58,false,Buy,Add to core equity +1%,31,1,BrokerC,LMT,87,None,None,Normal monitoring,86,-52,88,4,false,Tighten stops on momentum names
P4704,Hands-off,Taxable,USD,2025-11-26,786622,52382,734240,1.0,68.9,23.3,0.0,7.8,XLF:21.6%;MSFT:15.7%;BND:21.6%;TLT:19.6%;AMZN:21.6%,US:63.7;EU:12.5;APAC:9.4;EM:11.6;Other:2.7,Value:-0.5;Growth:-0.2;Quality:+0.2;Size:+0.7;Momentum:+0.3;LowVol:+0.6,,7,30,3.5,trailing 8%,165,16.6,Bear,23.5,3.11,2.4,179,-115,5,76,true,Hedge,Buy index puts 1% notional,28,4,BrokerC,MKT,93,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,107,-10,212,4,false,Increase defensive factor exposure
P4705,Opportunistic,Trust,USD,2025-12-15,1603210,124561,1478649,1.0,68.7,17.3,9.0,5.0,VTI:18.2%;MSFT:22.2%;IEF:18.5%;TLT:22.2%;AMZN:18.9%,US:58.7;EU:14.2;APAC:14.8;EM:10.4;Other:1.8,Value:-1.0;Growth:+0.5;Quality:+0.5;Size:+0.9;Momentum:+0.7;LowVol:+0.1,NoDerivatives,5,25,6.2,hard 12%,271,28.0,Sideways,15.7,4.92,3.2,121,11,60,43,false,Rebalance,Shift +1% to bonds from equity,-15,-4,BrokerC,MKT,95,None,None,Normal monitoring,32,-43,147,5,false,Tighten stops on momentum names
P4706,Opportunistic,Roth,USD,2024-07-13,1543879,61709,1482170,1.0,62.4,20.2,9.3,8.1,VNQ:19.7%;AAPL:8.9%;MSFT:13.5%;QQQ:19.5%;TLT:19.2%;VTI:19.0%,US:66.7;EU:13.6;APAC:11.0;EM:7.4;Other:1.3,Value:+0.2;Growth:-0.7;Quality:-0.2;Size:+0.3;Momentum:+0.4;LowVol:-0.3,,7,35,4.0,hard 12%,178,34.1,Bull,14.1,4.34,3.5,89,49,71,49,false,Sell,Trim extended winner -1%,1,-16,BrokerC,MKT,95,None,None,Normal monitoring,-51,-58,78,5,false,Within IPS guidelines
P4707,Hands-off,IRA,USD,2024-07-14,299534,16541,282993,1.0,68.0,15.5,9.7,6.9,XLF:14.1%;MSFT:20.2%;AMZN:9.6%;VOO:14.8%;MUB:20.6%;GLD:20.6%,US:71.6;EU:10.1;APAC:7.1;EM:9.4;Other:1.8,Value:+0.7;Growth:-0.8;Quality:+0.9;Size:-0.7;Momentum:+0.8;LowVol:+0.9,,10,35,4.4,hard 10%,170,12.7,Volatile,21.3,5.19,2.1,136,45,62,65,true,Rebalance,Rebalance back to target bands,32,-36,BrokerC,LMT,92,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-6,-38,92,2,false,Tax-aware sells next window
P4708,Active,Trust,USD,2025-05-20,2481921,249754,2232167,1.0,59.6,28.2,5.9,6.4,AMZN:17.9%;BND:21.1%;TLT:22.1%;GLD:16.8%;HYG:22.1%,US:70.8;EU:7.0;APAC:7.0;EM:11.9;Other:3.4,Value:+0.1;Growth:-0.2;Quality:-0.8;Size:+0.3;Momentum:-0.3;LowVol:-0.3,NoDerivatives,10,35,5.8,trailing 9%,173,16.6,Volatile,31.6,4.72,4.2,135,-16,34,83,true,Reduce,"Cut high-beta by 2-3%, add cash",-9,2,BrokerC,MKT,96,Drift>tolerance,Reduce,Allocation drift beyond policy bands,68,-3,126,5,false,Increase defensive factor exposure
P4709,Cautious,IRA,USD,2024-09-24,632192,57442,574750,1.0,46.8,31.0,11.4,10.8,AMZN:13.5%;IEF:20.6%;GLD:9.8%;TLT:20.6%;VTI:18.0%;BND:17.4%,US:57.5;EU:15.0;APAC:11.5;EM:11.1;Other:4.8,Value:+0.8;Growth:-0.4;Quality:-0.1;Size:-0.8;Momentum:+0.6;LowVol:-0.2,ESGOnly;NoMargin,7,30,4.4,trailing 8%,135,14.2,Bull,16.8,4.72,3.1,118,115,97,48,false,Sell,Trim extended winner -1%,-11,-31,BrokerD,LMT,95,None,None,Normal monitoring,8,-1,-23,5,false,Monitor dispersion and breadth
P4710,Systematic,Roth,USD,2024-07-25,1852788,164182,1688606,1.0,59.0,31.5,0.0,9.6,AAPL:22.6%;TLT:22.3%;AMZN:22.6%;VOO:22.6%;IEF:9.9%,US:70.7;EU:11.7;APAC:9.5;EM:7.8;Other:0.3,Value:-0.5;Growth:+0.2;Quality:+0.1;Size:-0.8;Momentum:-0.6;LowVol:+0.7,NoDerivatives,5,25,5.6,trailing 9%,198,20.7,Volatile,24.6,5.18,2.7,179,73,100,54,false,Rebalance,Shift +1% to bonds from equity,-8,-12,BrokerD,MKT,99,None,None,Normal monitoring,116,-6,212,5,false,Tax-aware sells next window
P4711,Active,Roth,USD,2024-09-10,505498,47649,457849,1.22,55.1,19.7,17.3,7.9,BND:33.3%;QQQ:33.3%;HYG:33.3%,US:74.8;EU:9.7;APAC:7.0;EM:4.8;Other:3.6,Value:+0.5;Growth:-0.4;Quality:-0.5;Size:-0.9;Momentum:-0.8;LowVol:-0.5,,10,35,5.8,trailing 8%,162,27.4,Bear,22.9,3.69,1.6,210,-25,26,62,false,Buy,Add to core equity +1%,-11,-33,BrokerC,LMT,97,None,None,Normal monitoring,106,19,75,5,false,Increase defensive factor exposure
P4712,Cautious,IRA,USD,2024-09-24,666195,71834,594361,1.0,41.4,36.2,7.1,15.3,AMZN:24.5%;AAPL:27.4%;HYG:27.4%;TLT:20.7%,US:71.7;EU:9.3;APAC:11.1;EM:6.4;Other:1.4,Value:+0.7;Growth:+0.3;Quality:+0.6;Size:+0.9;Momentum:-0.7;LowVol:+0.1,NoDerivatives;NoMargin,6,35,4.5,trailing 8%,100,19.5,Bull,17.6,4.52,2.7,103,31,55,44,true,Hedge,Buy index puts 1% notional,21,-39,BrokerC,VWAP,97,VAR>budget,TightenStops,Risk above budget threshold,16,-19,85,4,false,Within IPS guidelines
P4713,Hands-off,Taxable,USD,2025-05-17,598184,57845,540339,1.0,68.6,25.4,0.0,6.1,MUB:33.3%;BND:33.3%;QQQ:33.3%,US:56.7;EU:17.4;APAC:12.5;EM:9.6;Other:3.8,Value:-0.5;Growth:-0.7;Quality:+0.8;Size:+0.5;Momentum:+0.7;LowVol:-0.9,ESGOnly;NoDerivatives,10,35,6.0,trailing 10%,112,17.8,Bear,29.1,3.54,2.6,170,-117,5,81,true,Reduce,"Cut high-beta by 2-3%, add cash",6,10,BrokerD,MKT,89,RegimeShift,Hedge,Volatility spike and breadth deterioration,-16,-52,59,2,false,Tighten stops on momentum names
P4714,Active,401k,USD,2025-06-19,1513294,162672,1350622,1.18,60.9,29.8,2.5,6.8,IEF:21.8%;TLT:19.0%;AAPL:19.7%;BND:21.8%;HYG:17.7%,US:72.4;EU:13.8;APAC:6.4;EM:4.6;Other:2.8,Value:+0.9;Growth:+0.4;Quality:+1.0;Size:+0.5;Momentum:+0.4;LowVol:+0.6,,7,35,4.1,hard 12%,154,21.2,Volatile,25.7,4.97,2.0,138,0,61,76,true,Rebalance,Rebalance back to target bands,11,-31,BrokerC,LMT,99,RegimeShift,Reduce,Volatility spike and breadth deterioration,67,-3,59,5,false,Within IPS guidelines
P4715,Hands-off,Taxable,USD,2025-05-04,257621,19535,238086,1.0,65.9,25.9,0.3,7.9,GLD:24.1%;MUB:25.4%;TSLA:25.1%;AAPL:25.4%,US:64.6;EU:9.2;APAC:16.8;EM:3.9;Other:5.4,Value:-0.2;Growth:-0.0;Quality:+0.5;Size:-1.0;Momentum:-0.0;LowVol:+0.6,NoDerivatives,6,30,4.4,trailing 10%,109,15.5,Sideways,19.5,3.74,2.9,116,31,50,57,false,Buy,Add to core equity +1%,14,-11,BrokerB,LMT,90,None,None,Normal monitoring,98,15,193,3,false,Within IPS guidelines
P4716,Systematic,Trust,USD,2024-08-30,615918,31386,584532,1.0,55.9,21.0,13.8,9.2,MSFT:23.0%;BND:22.4%;AMZN:19.6%;BRK.B:23.0%;VTI:11.9%,US:56.4;EU:15.8;APAC:12.7;EM:11.1;Other:4.0,Value:+0.3;Growth:-0.4;Quality:+0.1;Size:+0.2;Momentum:-0.2;LowVol:-0.9,,5,30,5.2,trailing 9%,195,24.3,Bull,14.9,4.44,3.0,85,84,100,51,false,Sell,Trim extended winner -1%,33,-32,BrokerB,LMT,85,None,None,Normal monitoring,68,-25,129,3,false,Monitor dispersion and breadth
P4717,Systematic,Roth,USD,2025-12-23,1644492,99185,1545307,1.0,64.0,26.6,0.0,9.4,BND:22.2%;TSLA:15.1%;HYG:22.2%;IEF:22.2%;XLF:8.8%;VTI:9.5%,US:72.8;EU:6.2;APAC:6.9;EM:10.6;Other:3.7,Value:-1.0;Growth:+0.8;Quality:-0.9;Size:+0.9;Momentum:0.0;LowVol:+1.0,MaxPos6%,8,30,4.2,trailing 9%,136,20.2,Bear,33.7,4.43,3.0,152,-97,5,95,true,Hedge,Buy index puts 1% notional,10,-30,BrokerB,LMT,90,Drift>tolerance,Hedge,Allocation drift beyond policy bands,116,-40,191,5,false,Within IPS guidelines
P4718,Opportunistic,Taxable,USD,2025-02-13,575783,28131,547652,1.0,63.0,14.8,16.5,5.7,MUB:25.8%;BND:25.8%;TSLA:25.8%;MSFT:12.7%;XLF:9.8%,US:68.3;EU:10.3;APAC:11.0;EM:7.1;Other:3.3,Value:+0.1;Growth:-0.0;Quality:-0.3;Size:-0.2;Momentum:-0.4;LowVol:+0.2,MaxPos8%,8,35,6.8,hard 12%,274,32.6,Bear,30.7,4.27,2.4,186,-104,5,80,true,Hedge,Buy index puts 1% notional,21,-14,BrokerA,MKT,96,VAR>budget,Reduce,Risk above budget threshold,0,-2,-32,4,false,Monitor dispersion and breadth
P4719,Cautious,401k,USD,2025-02-07,859318,75149,784169,1.0,40.3,34.3,11.6,13.8,QQQ:20.9%;VOO:26.8%;VNQ:26.8%;MSFT:12.3%;XLF:13.2%,US:78.7;EU:8.0;APAC:8.2;EM:4.1;Other:0.9,Value:-0.8;Growth:-0.1;Quality:+0.9;Size:-0.1;Momentum:-0.2;LowVol:+0.3,ESGOnly;NoMargin,7,30,4.2,trailing 8%,117,14.6,Volatile,24.3,4.0,3.0,156,-14,37,47,false,Buy,Add to core equity +1%,-12,-24,BrokerD,LMT,91,None,None,Normal monitoring,-27,5,75,4,false,Within IPS guidelines
P4720,Active,Trust,USD,2024-11-20,2320741,233872,2086869,1.22,60.2,21.7,12.2,6.0,IEF:33.3%;VOO:33.3%;AMZN:33.3%,US:66.0;EU:9.2;APAC:16.7;EM:3.8;Other:4.3,Value:0.0;Growth:+0.3;Quality:-0.5;Size:+0.5;Momentum:-0.2;LowVol:+0.1,MaxPos8%,8,25,5.0,hard 12%,196,17.4,Bull,11.5,3.96,2.4,74,60,67,47,false,Buy,Add to core equity +1%,0,-11,BrokerC,LMT,90,None,None,Normal monitoring,91,-50,156,3,false,Within IPS guidelines
P4721,Systematic,Roth,USD,2025-04-20,890579,75252,815327,1.0,55.8,29.4,6.4,8.5,GLD:25.0%;VOO:25.0%;MUB:25.0%;TSLA:25.0%,US:77.3;EU:6.1;APAC:10.9;EM:4.2;Other:1.5,Value:+0.1;Growth:-0.0;Quality:0.0;Size:+0.4;Momentum:+0.1;LowVol:-1.0,,10,30,6.0,trailing 9%,208,17.4,Sideways,18.9,5.0,3.2,122,46,63,44,false,Rebalance,Shift +1% to bonds from equity,30,-18,BrokerD,VWAP,96,None,None,Normal monitoring,12,-2,116,5,false,Within IPS guidelines
P4722,Hands-off,401k,USD,2024-12-21,190856,16985,173871,1.0,66.3,17.5,8.3,7.9,VNQ:33.3%;AMZN:33.3%;BRK.B:33.3%,US:78.8;EU:5.6;APAC:8.9;EM:5.4;Other:1.3,Value:+0.9;Growth:-0.8;Quality:+0.7;Size:+0.4;Momentum:+0.6;LowVol:-0.9,ESGOnly;MaxPos7%,7,35,5.0,trailing 8%,134,19.6,Bull,14.3,3.72,3.0,98,78,100,54,false,Rebalance,Shift +1% to bonds from equity,17,-31,BrokerB,VWAP,86,None,None,Normal monitoring,51,-17,33,4,false,Increase defensive factor exposure
P4723,Hands-off,Taxable,USD,2025-08-28,353675,22129,331546,1.0,66.8,27.0,0.0,6.3,MSFT:36.9%;VNQ:26.1%;HYG:36.9%,US:65.4;EU:18.0;APAC:11.4;EM:5.1;Other:0.1,Value:-0.7;Growth:+0.1;Quality:-0.8;Size:+0.6;Momentum:0.0;LowVol:+0.5,MaxPos6%,7,30,5.8,hard 10%,119,14.1,Sideways,21.8,4.63,2.5,104,-27,28,68,true,Reduce,"Cut high-beta by 2-3%, add cash",31,-4,BrokerB,MKT,92,Drift>tolerance,Pause,Allocation drift beyond policy bands,61,-1,147,3,false,Increase defensive factor exposure
P4724,Hands-off,Taxable,USD,2025-09-28,710455,60463,649992,1.0,58.8,22.9,10.4,8.0,AMZN:19.3%;BND:27.7%;VOO:27.7%;VNQ:25.2%,US:73.0;EU:7.8;APAC:11.4;EM:6.8;Other:1.1,Value:-0.3;Growth:-0.3;Quality:+0.7;Size:-0.1;Momentum:-0.9;LowVol:+0.1,ESGOnly;MaxPos7%;NoDerivatives,7,30,4.6,hard 10%,136,16.7,Bear,24.2,3.91,1.1,166,-114,5,71,true,Hedge,Buy index puts 1% notional,33,3,BrokerC,MKT,98,Drift>tolerance,Hedge,Allocation drift beyond policy bands,32,-23,19,3,false,Tax-aware sells next window
P4725,Active,Taxable,USD,2024-08-12,1235421,100305,1135116,1.0,54.0,27.7,9.6,8.7,VOO:21.3%;BND:19.7%;MSFT:21.3%;VNQ:18.3%;AMZN:19.4%,US:58.1;EU:15.0;APAC:13.1;EM:9.5;Other:4.3,Value:+0.8;Growth:-0.5;Quality:+0.5;Size:+0.7;Momentum:+0.7;LowVol:-0.7,MaxPos6%;NoDerivatives,10,25,5.8,trailing 8%,222,27.9,Sideways,15.8,4.65,3.0,106,59,75,36,false,Rebalance,Shift +1% to bonds from equity,-8,0,BrokerD,LMT,88,None,None,Normal monitoring,-36,-59,82,4,false,Increase defensive factor exposure
P4726,Cautious,Taxable,USD,2025-06-22,516748,71870,444878,1.0,38.7,44.3,0.0,17.0,TLT:26.7%;VOO:36.6%;HYG:36.6%,US:66.4;EU:9.7;APAC:9.1;EM:10.6;Other:4.2,Value:+0.5;Growth:-0.3;Quality:-0.8;Size:-1.0;Momentum:-0.0;LowVol:-0.8,ESGOnly;NoMargin,8,30,3.2,trailing 8%,95,18.3,Bull,15.9,3.52,3.5,77,104,89,31,false,Buy,Add to core equity +1%,29,-35,BrokerA,VWAP,92,None,None,Normal monitoring,-20,1,-57,5,false,Within IPS guidelines
P4727,Hands-off,Roth,USD,2025-11-20,646399,48118,598281,1.0,64.8,18.6,8.0,8.6,IEF:27.5%;VOO:27.5%;BND:25.5%;HYG:19.6%,US:58.7;EU:14.8;APAC:13.8;EM:11.6;Other:1.0,Value:-0.9;Growth:-0.9;Quality:+0.6;Size:-1.0;Momentum:-0.5;LowVol:-0.3,,6,35,5.3,hard 10%,150,19.2,Sideways,20.0,3.92,2.0,90,-28,51,56,false,Rebalance,Shift +1% to bonds from equity,3,3,BrokerD,LMT,90,None,None,Normal monitoring,-31,-29,80,5,false,Monitor dispersion and breadth
P4728,Hands-off,Trust,USD,2024-10-23,597107,43378,553729,1.0,65.0,21.5,5.9,7.6,VOO:35.2%;IEF:29.6%;TLT:35.2%,US:66.4;EU:13.7;APAC:11.7;EM:5.4;Other:2.9,Value:-0.9;Growth:+0.5;Quality:-0.7;Size:+1.0;Momentum:+0.6;LowVol:-1.0,,5,35,3.7,hard 10%,106,12.1,Sideways,20.3,3.53,2.7,107,57,86,54,false,Rebalance,Shift +1% to bonds from equity,18,-36,BrokerD,LMT,99,None,None,Normal monitoring,29,-48,121,4,false,Monitor dispersion and breadth
P4729,Opportunistic,IRA,USD,2024-09-05,875418,37872,837546,1.0,66.6,14.7,11.4,7.3,BRK.B:20.8%;GLD:17.0%;IEF:13.0%;QQQ:17.5%;MUB:13.1%;VTI:18.6%,US:65.3;EU:17.8;APAC:8.9;EM:7.0;Other:1.0,Value:+0.3;Growth:-0.1;Quality:-0.2;Size:+0.8;Momentum:+0.6;LowVol:-0.5,NoDerivatives,6,35,4.2,trailing 7%,195,24.5,Bull,14.9,3.64,2.1,104,19,71,42,false,Buy,Add to core equity +1%,21,10,BrokerB,VWAP,94,None,None,Normal monitoring,-24,5,-43,3,false,Within IPS guidelines
P4730,Active,Roth,USD,2025-03-26,2388485,204398,2184087,1.0,61.5,30.9,0.0,7.6,MSFT:25.0%;VNQ:25.0%;GLD:25.0%;TLT:25.0%,US:69.1;EU:13.9;APAC:9.3;EM:3.6;Other:4.1,Value:-0.0;Growth:+0.3;Quality:-0.5;Size:+0.9;Momentum:-0.0;LowVol:0.0,,6,25,4.3,trailing 9%,165,24.1,Volatile,28.0,4.54,2.4,153,46,81,63,false,Rebalance,Shift +1% to bonds from equity,0,-20,BrokerC,MKT,85,None,None,Normal monitoring,8,-20,141,4,false,Tax-aware sells next window
P4731,Hands-off,Taxable,USD,2024-11-17,240283,16030,224253,1.0,70.3,17.3,3.9,8.6,MUB:33.3%;BRK.B:33.3%;HYG:33.3%,US:66.4;EU:15.9;APAC:7.9;EM:6.9;Other:2.9,Value:-0.9;Growth:+0.7;Quality:-0.1;Size:+0.4;Momentum:-0.5;LowVol:-0.3,ESGOnly;MaxPos6%,5,35,3.9,trailing 8%,140,18.9,Volatile,29.7,5.48,2.7,117,42,72,72,true,Rebalance,Rebalance back to target bands,0,-17,BrokerA,LMT,98,Drift>tolerance,Hedge,Allocation drift beyond policy bands,71,-39,180,2,false,Tighten stops on momentum names
P4732,Hands-off,Trust,USD,2024-10-21,667515,65777,601738,1.0,59.4,18.5,12.5,9.6,AMZN:24.3%;TLT:24.3%;XLF:15.7%;MSFT:23.4%;GLD:12.4%,US:65.8;EU:12.2;APAC:10.7;EM:10.2;Other:1.1,Value:+0.3;Growth:-0.5;Quality:+0.5;Size:-0.6;Momentum:+0.6;LowVol:-0.2,MaxPos6%,6,25,5.6,hard 10%,112,15.5,Bull,17.7,4.46,3.1,110,34,70,60,false,Buy,Add to core equity +1%,32,-18,BrokerD,LMT,100,None,None,Normal monitoring,100,1,77,4,false,Tighten stops on momentum names
P4733,Hands-off,401k,USD,2025-05-08,838405,58361,780044,1.0,62.9,29.3,0.0,7.8,VTI:26.3%;QQQ:21.2%;XLF:26.3%;VNQ:26.3%,US:68.9;EU:16.2;APAC:9.7;EM:4.2;Other:1.0,Value:-0.5;Growth:+0.7;Quality:+0.4;Size:+0.1;Momentum:-0.7;LowVol:+1.0,,5,35,3.4,trailing 10%,148,18.7,Sideways,14.6,4.23,2.4,119,16,48,53,true,Hedge,Buy index puts 1% notional,2,-11,BrokerB,LMT,86,VAR>budget,Hedge,Risk above budget threshold,-38,-26,22,4,false,Tighten stops on momentum names
P4734,Active,Taxable,USD,2025-08-03,2443006,253073,2189933,1.21,63.2,30.4,0.0,6.4,VNQ:27.6%;BND:17.1%;BRK.B:27.6%;TSLA:27.6%,US:62.9;EU:14.7;APAC:11.4;EM:7.2;Other:3.8,Value:+0.8;Growth:+0.8;Quality:+0.1;Size:-0.7;Momentum:+0.5;LowVol:+0.3,MaxPos5%,5,35,5.6,trailing 8%,139,21.0,Volatile,30.1,4.35,2.3,172,-10,58,73,true,Hedge,Buy index puts 1% notional,13,-17,BrokerB,MKT,95,RegimeShift,Hedge,Volatility spike and breadth deterioration,-14,-48,36,2,false,Monitor dispersion and breadth
P4735,Hands-off,401k,USD,2025-06-27,366853,33052,333801,1.0,57.5,19.6,17.6,5.2,QQQ:11.4%;MUB:12.6%;TLT:22.5%;MSFT:13.0%;BND:18.0%;VOO:22.5%,US:68.0;EU:15.8;APAC:9.7;EM:6.4;Other:0.2,Value:-0.5;Growth:-0.6;Quality:+0.6;Size:+0.9;Momentum:-0.3;LowVol:+0.3,ESGOnly;MaxPos6%,6,25,5.1,trailing 10%,122,15.1,Bull,14.4,4.67,2.2,106,2,36,53,false,Rebalance,Shift +1% to bonds from equity,8,3,BrokerD,LMT,94,None,None,Normal monitoring,77,-35,152,5,false,Monitor dispersion and breadth
P4736,Hands-off,Roth,USD,2025-06-21,729388,55262,674126,1.0,60.4,25.9,5.0,8.7,HYG:33.3%;TLT:33.3%;AAPL:33.3%,US:64.6;EU:13.9;APAC:10.8;EM:6.0;Other:4.7,Value:-0.5;Growth:+0.2;Quality:+0.6;Size:+0.2;Momentum:+0.1;LowVol:-0.4,,10,25,4.5,trailing 8%,95,18.1,Bear,22.0,3.31,1.4,207,-12,59,55,false,Sell,Trim extended winner -1%,-14,-13,BrokerB,VWAP,95,None,None,Normal monitoring,89,-51,225,4,false,Monitor dispersion and breadth
P4737,Opportunistic,Trust,USD,2025-07-29,967155,56179,910976,1.0,74.7,20.2,0.0,5.2,AAPL:27.8%;AMZN:27.8%;VNQ:27.8%;TLT:16.5%,US:70.2;EU:8.3;APAC:13.8;EM:6.9;Other:0.7,Value:-0.8;Growth:+0.7;Quality:+0.3;Size:-0.3;Momentum:0.0;LowVol:-0.4,,10,35,6.8,trailing 9%,239,31.2,Sideways,22.0,3.59,2.2,138,44,71,76,false,Sell,Trim extended winner -1%,30,13,BrokerD,VWAP,90,None,None,Normal monitoring,6,-47,-3,3,false,Increase defensive factor exposure
P4738,Systematic,Taxable,USD,2024-11-16,1496799,62652,1434147,1.0,59.7,24.1,6.7,9.6,TLT:7.5%;VNQ:16.0%;QQQ:23.2%;AMZN:23.2%;VTI:17.5%;IEF:12.6%,US:71.8;EU:9.0;APAC:5.5;EM:11.4;Other:2.3,Value:+0.1;Growth:-0.2;Quality:-0.5;Size:-0.9;Momentum:+0.7;LowVol:+0.4,NoDerivatives,10,35,5.8,trailing 8%,216,27.1,Volatile,22.5,5.29,3.7,171,25,64,50,false,Buy,Add to core equity +1%,34,-10,BrokerA,LMT,85,None,None,Normal monitoring,109,-19,248,3,false,Tax-aware sells next window
P4739,Active,IRA,USD,2025-04-24,2306938,198966,2107972,1.0,65.3,25.6,1.3,7.8,MUB:28.7%;VOO:35.6%;MSFT:35.6%,US:63.6;EU:15.9;APAC:12.6;EM:4.3;Other:3.7,Value:+0.5;Growth:-0.5;Quality:+0.2;Size:+0.2;Momentum:-0.4;LowVol:+0.3,,6,25,4.5,trailing 9%,173,16.1,Sideways,17.3,4.73,2.4,108,-2,34,52,false,Buy,Add to core equity +1%,29,-40,BrokerA,MKT,93,None,None,Normal monitoring,63,-4,55,4,false,Tighten stops on momentum names
P4740,Active,Roth,USD,2024-11-01,1593065,134886,1458179,1.0,54.9,22.8,14.8,7.5,MUB:23.7%;HYG:11.9%;MSFT:14.8%;IEF:12.8%;VOO:13.1%;GLD:23.7%,US:72.0;EU:9.3;APAC:8.1;EM:6.4;Other:4.2,Value:+0.2;Growth:+0.1;Quality:-0.1;Size:+0.8;Momentum:+0.3;LowVol:-0.1,,8,30,4.3,trailing 8%,142,16.4,Bull,17.8,3.53,3.1,104,3,56,49,false,Buy,Add to core equity +1%,11,6,BrokerA,LMT,87,None,None,Normal monitoring,-33,-1,101,3,false,Increase defensive factor exposure
P4741,Opportunistic,IRA,USD,2025-03-20,1151753,91623,1060130,1.0,63.3,20.2,9.6,6.9,QQQ:18.9%;VOO:22.9%;AMZN:12.1%;GLD:9.8%;VNQ:22.9%;XLF:13.3%,US:64.8;EU:16.0;APAC:7.2;EM:7.7;Other:4.4,Value:-0.9;Growth:+0.6;Quality:+0.6;Size:-0.5;Momentum:-0.4;LowVol:+0.1,,6,30,4.1,trailing 9%,256,20.2,Bull,14.1,3.58,3.3,71,90,96,50,false,Rebalance,Shift +1% to bonds from equity,7,15,BrokerD,VWAP,98,None,None,Normal monitoring,116,-19,162,4,false,Tighten stops on momentum names
P4742,Opportunistic,IRA,USD,2025-06-14,624482,46442,578040,1.0,66.4,18.4,7.1,8.1,MUB:33.3%;BND:33.3%;GLD:33.3%,US:62.7;EU:15.7;APAC:7.7;EM:10.5;Other:3.4,Value:-0.9;Growth:+0.7;Quality:+0.9;Size:+0.8;Momentum:+0.5;LowVol:+0.5,MaxPos7%;NoDerivatives,7,30,4.5,hard 12%,175,24.7,Bear,23.4,3.51,2.1,207,9,62,76,true,Hedge,Buy index puts 1% notional,-3,3,BrokerB,LMT,92,RegimeShift,TightenStops,Volatility spike and breadth deterioration,29,-54,113,3,false,Increase defensive factor exposure
P4743,Hands-off,401k,USD,2025-04-19,198263,11278,186985,1.0,64.3,25.4,1.4,8.9,AMZN:34.1%;BRK.B:34.1%;HYG:31.8%,US:66.9;EU:14.3;APAC:11.5;EM:4.6;Other:2.7,Value:-0.7;Growth:+0.7;Quality:-0.9;Size:+0.1;Momentum:-0.6;LowVol:+0.5,MaxPos7%,8,30,5.7,trailing 10%,148,17.1,Bull,17.5,4.98,3.3,77,23,67,45,false,Sell,Trim extended winner -1%,15,-12,BrokerB,LMT,86,None,None,Normal monitoring,90,-58,161,4,false,Monitor dispersion and breadth
P4744,Systematic,Roth,USD,2025-06-21,1222284,106263,1116021,1.0,59.9,31.8,0.0,8.3,VOO:16.1%;XLF:16.4%;MSFT:14.9%;QQQ:21.8%;GLD:8.9%;VNQ:21.8%,US:62.3;EU:17.4;APAC:12.9;EM:6.6;Other:0.9,Value:+0.4;Growth:+0.6;Quality:+0.6;Size:-0.0;Momentum:+0.4;LowVol:-1.0,,5,30,4.8,hard 12%,173,27.0,Volatile,29.3,5.3,4.3,149,12,57,79,true,Reduce,"Cut high-beta by 2-3%, add cash",7,-36,BrokerA,LMT,92,VAR>budget,Reduce,Risk above budget threshold,26,-19,159,4,false,Within IPS guidelines
P4745,Hands-off,Roth,USD,2025-11-23,723091,49408,673683,1.0,62.9,20.9,7.0,9.3,TSLA:16.0%;BND:20.0%;VNQ:16.8%;GLD:18.8%;TLT:14.0%;MUB:14.3%,US:68.6;EU:11.7;APAC:10.9;EM:7.8;Other:0.9,Value:+0.1;Growth:-0.5;Quality:-0.9;Size:+0.7;Momentum:-0.7;LowVol:-0.1,ESGOnly;NoDerivatives,7,30,5.8,trailing 8%,97,19.3,Volatile,20.5,3.95,2.3,135,-38,24,60,false,Hedge,Add TLT +1% as duration hedge,-12,-8,BrokerB,LMT,95,None,None,Normal monitoring,110,-57,183,5,false,Tax-aware sells next window
P4746,Systematic,IRA,USD,2025-07-28,1002679,85588,917091,1.0,62.3,27.7,0.9,9.1,AAPL:21.5%;XLF:27.6%;BRK.B:23.3%;QQQ:27.6%,US:62.9;EU:13.6;APAC:16.7;EM:6.3;Other:0.4,Value:-1.0;Growth:+0.4;Quality:-0.2;Size:-0.5;Momentum:-0.1;LowVol:-1.0,MaxPos5%,5,30,5.0,trailing 9%,190,25.3,Bull,17.5,3.71,2.1,114,115,96,43,false,Sell,Trim extended winner -1%,9,15,BrokerB,LMT,92,None,None,Normal monitoring,46,1,95,5,false,Monitor dispersion and breadth
P4747,Opportunistic,Trust,USD,2024-09-05,1134040,88320,1045720,1.0,77.3,11.0,6.5,5.2,TSLA:25.5%;AAPL:25.5%;AMZN:18.1%;MSFT:20.4%;IEF:10.6%,US:60.8;EU:16.8;APAC:10.1;EM:10.7;Other:1.6,Value:+0.8;Growth:+0.8;Quality:-0.1;Size:+0.8;Momentum:+0.4;LowVol:-0.4,,6,25,5.0,trailing 9%,279,31.3,Bull,17.5,4.3,3.2,100,88,83,67,true,Reduce,"Cut high-beta by 2-3%, add cash",-15,-31,BrokerC,MKT,89,Drift>tolerance,Reduce,Allocation drift beyond policy bands,71,1,165,3,false,Increase defensive factor exposure
P4748,Hands-off,Taxable,USD,2024-11-05,838979,40627,798352,1.0,72.7,17.0,2.2,8.1,XLF:23.8%;HYG:16.5%;VOO:12.6%;TLT:23.2%;GLD:23.8%,US:64.9;EU:16.2;APAC:11.9;EM:4.9;Other:2.1,Value:+0.7;Growth:+0.4;Quality:-0.4;Size:-0.5;Momentum:-0.5;LowVol:+0.5,ESGOnly,10,30,3.7,trailing 8%,159,12.4,Bull,11.3,4.75,2.4,118,33,79,54,false,Rebalance,Shift +1% to bonds from equity,-3,-36,BrokerD,MKT,85,None,None,Normal monitoring,44,-21,27,4,false,Tighten stops on momentum names
P4749,Systematic,Roth,USD,2025-03-05,1956986,108013,1848973,1.0,63.1,30.2,0.0,6.7,VNQ:22.2%;HYG:11.3%;AAPL:22.2%;TLT:22.2%;VOO:22.2%,US:67.3;EU:7.5;APAC:7.1;EM:12.4;Other:5.6,Value:+0.2;Growth:+0.4;Quality:-0.4;Size:-0.7;Momentum:+0.7;LowVol:+0.6,MaxPos7%;NoDerivatives,8,35,5.9,trailing 9%,163,18.9,Bull,17.1,3.86,2.4,111,92,88,50,false,Buy,Add to core equity +1%,26,-22,BrokerA,VWAP,91,None,None,Normal monitoring,6,2,131,3,false,Tax-aware sells next window
P4750,Systematic,IRA,USD,2025-05-06,1121526,111440,1010086,1.0,60.6,31.5,0.0,8.0,VTI:17.6%;XLF:22.3%;AAPL:22.3%;MUB:15.4%;TSLA:22.3%,US:61.5;EU:17.1;APAC:12.1;EM:6.8;Other:2.5,Value:+0.3;Growth:+0.8;Quality:-0.9;Size:-0.0;Momentum:-0.7;LowVol:+0.6,NoDerivatives,6,25,4.1,trailing 9%,186,21.4,Volatile,24.4,3.74,3.9,132,74,86,74,true,Reduce,"Cut high-beta by 2-3%, add cash",17,-35,BrokerB,VWAP,89,VAR>budget,Hedge,Risk above budget threshold,65,-44,82,5,false,Within IPS guidelines
P4751,Hands-off,Taxable,USD,2025-10-18,687698,65487,622211,1.0,73.1,19.3,0.9,6.7,BND:33.3%;HYG:33.3%;VNQ:33.3%,US:63.7;EU:10.5;APAC:14.4;EM:9.7;Other:1.7,Value:-0.5;Growth:-0.9;Quality:-0.1;Size:-0.2;Momentum:+0.1;LowVol:+0.2,,7,35,3.3,trailing 10%,91,17.6,Bull,16.7,4.44,3.0,115,48,81,66,false,Rebalance,Shift +1% to bonds from equity,-13,-38,BrokerC,LMT,96,None,None,Normal monitoring,40,-60,90,5,false,Monitor dispersion and breadth
P4752,Active,401k,USD,2025-01-26,2361114,249963,2111151,1.0,61.7,26.5,3.5,8.4,VNQ:23.9%;AAPL:12.4%;XLF:23.9%;MSFT:15.9%;VOO:23.9%,US:71.0;EU:9.0;APAC:9.2;EM:9.6;Other:1.2,Value:+1.0;Growth:+0.3;Quality:+0.9;Size:+0.5;Momentum:+0.5;LowVol:-0.7,,6,25,5.5,trailing 9%,215,26.0,Volatile,29.4,5.35,2.8,159,13,53,77,true,Hedge,Buy index puts 1% notional,-9,1,BrokerA,MKT,88,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,18,-12,95,4,false,Tighten stops on momentum names
P4753,Systematic,Roth,USD,2024-09-27,932151,83794,848357,1.0,63.5,27.3,3.7,5.5,TSLA:27.1%;VTI:27.1%;AAPL:18.6%;IEF:27.1%,US:63.2;EU:19.6;APAC:10.0;EM:5.2;Other:2.1,Value:+0.8;Growth:-1.0;Quality:-1.0;Size:+0.2;Momentum:-0.9;LowVol:-0.7,,5,25,5.9,trailing 8%,204,27.6,Bull,14.2,3.5,2.4,79,104,100,51,false,NoAction,Within bands; monitor,2,8,BrokerD,MKT,0,None,None,Normal monitoring,77,10,186,5,false,Tax-aware sells next window
P4754,Hands-off,Trust,USD,2024-10-20,404208,34137,370071,1.0,58.6,28.6,3.0,9.9,VNQ:23.2%;MSFT:22.0%;BND:16.4%;AMZN:15.2%;HYG:23.2%,US:66.0;EU:12.2;APAC:11.9;EM:7.5;Other:2.3,Value:+0.2;Growth:+1.0;Quality:+0.7;Size:+0.3;Momentum:-0.3;LowVol:+0.6,ESGOnly;MaxPos5%,5,35,4.7,hard 10%,98,20.0,Volatile,29.7,4.14,3.2,133,63,82,73,true,Reduce,"Cut high-beta by 2-3%, add cash",18,-26,BrokerA,LMT,87,VAR>budget,Pause,Risk above budget threshold,57,-39,122,4,false,Monitor dispersion and breadth
P4755,Opportunistic,401k,USD,2025-08-12,813275,41148,772127,1.0,72.8,10.6,11.0,5.6,AAPL:23.0%;QQQ:14.3%;HYG:23.0%;GLD:23.0%;VNQ:16.7%,US:72.2;EU:10.3;APAC:9.5;EM:4.1;Other:3.9,Value:+0.7;Growth:+0.8;Quality:-0.6;Size:+0.8;Momentum:+0.7;LowVol:+0.1,,6,35,4.2,trailing 9%,235,22.6,Volatile,25.3,3.84,2.2,142,27,52,73,true,Hedge,Buy index puts 1% notional,35,-38,BrokerA,LMT,90,Drift>tolerance,Pause,Allocation drift beyond policy bands,68,-41,114,2,false,Within IPS guidelines
P4756,Active,Taxable,USD,2025-10-26,1960849,185425,1775424,1.0,63.3,29.6,1.9,5.2,IEF:17.6%;BND:20.3%;XLF:18.4%;TLT:21.9%;MUB:21.9%,US:59.6;EU:16.7;APAC:13.2;EM:6.6;Other:3.9,Value:0.0;Growth:+0.3;Quality:+0.1;Size:+1.0;Momentum:+0.7;LowVol:0.0,,8,25,4.1,hard 12%,184,27.7,Bull,13.5,4.58,2.4,91,69,90,51,false,Rebalance,Shift +1% to bonds from equity,32,-38,BrokerA,LMT,93,None,None,Normal monitoring,100,-5,149,4,false,Tighten stops on momentum names
P4757,Systematic,401k,USD,2025-08-01,432955,22494,410461,1.0,66.1,22.1,6.3,5.6,BND:19.6%;QQQ:16.6%;GLD:23.5%;AAPL:16.9%;VOO:23.5%,US:66.3;EU:20.8;APAC:7.2;EM:4.5;Other:1.2,Value:+0.1;Growth:-0.9;Quality:-0.2;Size:-0.5;Momentum:+0.4;LowVol:+0.8,NoDerivatives,6,25,4.8,trailing 8%,162,26.9,Bear,31.1,4.27,1.4,140,-2,58,76,true,Reduce,"Cut high-beta by 2-3%, add cash",-4,-39,BrokerA,LMT,93,Drift>tolerance,Hedge,Allocation drift beyond policy bands,73,-34,88,3,false,Tighten stops on momentum names
P4758,Hands-off,Taxable,USD,2025-03-24,679107,64807,614300,1.0,63.3,20.3,7.5,8.9,QQQ:36.5%;AAPL:36.5%;MSFT:27.0%,US:71.4;EU:12.3;APAC:7.6;EM:6.7;Other:2.1,Value:+0.3;Growth:-1.0;Quality:-0.5;Size:-0.8;Momentum:+0.3;LowVol:-0.5,MaxPos8%,6,35,3.9,trailing 8%,148,18.6,Volatile,29.9,4.3,3.7,137,34,66,67,true,Hedge,Buy index puts 1% notional,33,-1,BrokerB,LMT,89,VAR>budget,Hedge,Risk above budget threshold,92,-38,124,2,true,Monitor dispersion and breadth
P4759,Cautious,IRA,USD,2025-05-20,496351,68968,427383,1.0,49.4,31.0,5.3,14.4,AMZN:13.3%;QQQ:8.4%;TSLA:23.6%;XLF:17.2%;MUB:13.9%;BRK.B:23.6%,US:66.1;EU:8.7;APAC:13.4;EM:6.6;Other:5.2,Value:-0.6;Growth:+0.2;Quality:-0.2;Size:-0.7;Momentum:+0.5;LowVol:0.0,ESGOnly;NoDerivatives;NoMargin,7,35,3.4,trailing 8%,129,19.1,Volatile,21.2,5.13,2.8,136,53,87,58,true,Reduce,"Cut high-beta by 2-3%, add cash",22,-35,BrokerB,VWAP,97,VAR>budget,Hedge,Risk above budget threshold,1,5,79,2,false,Within IPS guidelines
P4760,Opportunistic,Roth,USD,2025-02-20,1547778,133383,1414395,1.0,66.7,16.5,11.2,5.7,MSFT:33.3%;VNQ:33.3%;VTI:33.3%,US:69.1;EU:12.3;APAC:6.4;EM:10.6;Other:1.5,Value:-0.3;Growth:-0.3;Quality:-0.1;Size:-0.4;Momentum:+0.3;LowVol:+0.8,MaxPos7%,7,35,4.8,trailing 7%,168,34.7,Volatile,26.3,5.48,2.1,116,-9,30,68,true,Reduce,"Cut high-beta by 2-3%, add cash",16,-36,BrokerA,MKT,91,VAR>budget,Pause,Risk above budget threshold,-18,10,19,2,false,Within IPS guidelines
P4761,Systematic,Roth,USD,2025-07-06,896476,72607,823869,1.0,57.1,21.1,14.7,7.1,GLD:23.2%;AMZN:12.2%;VOO:23.2%;VTI:18.3%;MSFT:23.2%,US:81.5;EU:5.6;APAC:5.6;EM:5.7;Other:1.6,Value:-0.0;Growth:-0.7;Quality:-0.7;Size:0.0;Momentum:+0.7;LowVol:+0.2,MaxPos5%;NoDerivatives,5,30,5.2,trailing 8%,210,19.7,Sideways,14.6,4.02,3.3,103,59,94,47,true,Reduce,"Cut high-beta by 2-3%, add cash",14,-31,BrokerA,MKT,97,VAR>budget,Reduce,Risk above budget threshold,-59,17,-95,5,false,Monitor dispersion and breadth
P4762,Cautious,Taxable,USD,2024-12-17,799400,88910,710490,1.0,45.0,33.9,9.3,11.8,VNQ:22.0%;QQQ:22.0%;AAPL:12.3%;HYG:11.9%;TSLA:9.8%;BND:22.0%,US:74.6;EU:10.0;APAC:7.2;EM:4.7;Other:3.5,Value:-0.5;Growth:-0.3;Quality:-0.3;Size:+0.6;Momentum:+0.1;LowVol:+0.2,ESGOnly;MaxPos7%;NoDerivatives;NoMargin,6,30,4.0,trailing 8%,115,18.6,Sideways,21.5,4.01,3.4,101,-14,38,50,false,Rebalance,Shift +1% to bonds from equity,20,-24,BrokerD,LMT,95,None,None,Normal monitoring,71,-19,152,5,false,Tighten stops on momentum names
P4763,Active,Roth,USD,2025-12-25,1763182,123361,1639821,1.0,60.9,28.1,2.4,8.5,MSFT:23.2%;XLF:23.2%;BND:20.4%;GLD:23.2%;VTI:9.9%,US:72.2;EU:6.1;APAC:5.7;EM:11.4;Other:4.6,Value:-0.3;Growth:-0.5;Quality:+0.6;Size:-0.4;Momentum:-0.2;LowVol:-0.6,,5,35,5.1,trailing 8%,130,16.4,Bull,17.3,3.95,3.5,84,110,100,57,false,Rebalance,Shift +1% to bonds from equity,13,-15,BrokerB,MKT,86,None,None,Normal monitoring,7,-14,-10,5,false,Within IPS guidelines
P4764,Hands-off,IRA,USD,2024-07-12,339515,29465,310050,1.0,73.1,16.4,4.4,6.1,MSFT:18.7%;GLD:20.5%;BRK.B:18.7%;TLT:20.0%;MUB:12.8%;AMZN:9.3%,US:71.0;EU:15.1;APAC:6.7;EM:6.3;Other:0.8,Value:+0.3;Growth:-0.5;Quality:+0.6;Size:-0.5;Momentum:+0.1;LowVol:-0.8,,7,35,3.9,trailing 8%,126,16.9,Bear,28.2,3.55,1.4,190,22,48,83,true,Reduce,"Cut high-beta by 2-3%, add cash",9,2,BrokerA,MKT,95,RegimeShift,TightenStops,Volatility spike and breadth deterioration,21,4,59,3,false,Within IPS guidelines
P4765,Active,IRA,USD,2025-04-22,2084722,140764,1943958,1.0,58.4,28.4,7.1,6.1,XLF:26.8%;MUB:26.8%;BRK.B:26.8%;QQQ:19.7%,US:73.7;EU:12.1;APAC:6.3;EM:5.6;Other:2.3,Value:+0.9;Growth:-0.6;Quality:-0.7;Size:-0.3;Momentum:-0.2;LowVol:-0.9,MaxPos7%,7,35,4.9,hard 12%,125,26.9,Bull,11.8,4.1,2.9,83,5,57,48,false,Buy,Add to core equity +1%,-7,-32,BrokerB,MKT,100,None,None,Normal monitoring,-18,-57,-2,3,false,Monitor dispersion and breadth
P4766,Active,401k,USD,2025-09-06,1932957,160717,1772240,1.0,67.9,19.3,6.5,6.3,BND:35.3%;MUB:29.4%;HYG:35.3%,US:81.2;EU:8.5;APAC:5.5;EM:4.0;Other:0.8,Value:+0.9;Growth:+0.6;Quality:+0.8;Size:-0.1;Momentum:-0.1;LowVol:-0.9,,7,35,4.2,trailing 9%,191,18.9,Bull,13.4,4.39,2.7,120,30,79,48,false,Sell,Trim extended winner -1%,3,3,BrokerB,MKT,94,None,None,Normal monitoring,27,-40,16,4,false,Monitor dispersion and breadth
P4767,Opportunistic,Roth,USD,2025-10-15,539572,40380,499192,1.0,71.4,10.6,10.2,7.8,IEF:25.0%;TSLA:25.0%;XLF:25.0%;BRK.B:25.0%,US:63.0;EU:19.4;APAC:8.9;EM:4.0;Other:4.7,Value:-0.4;Growth:-0.5;Quality:-0.3;Size:+0.2;Momentum:+0.3;LowVol:+0.4,MaxPos7%,10,25,5.8,trailing 9%,163,29.9,Bear,25.1,3.51,1.1,167,-115,5,74,true,Reduce,"Cut high-beta by 2-3%, add cash",-7,-17,BrokerD,LMT,92,RegimeShift,Hedge,Volatility spike and breadth deterioration,-32,-49,-39,5,false,Tax-aware sells next window
P4768,Opportunistic,Taxable,USD,2025-04-16,676719,46781,629938,1.0,65.9,16.6,11.1,6.4,BRK.B:20.1%;MSFT:14.5%;QQQ:13.8%;HYG:19.1%;VOO:18.9%;VNQ:13.6%,US:67.6;EU:11.7;APAC:9.7;EM:6.1;Other:5.0,Value:+0.1;Growth:-0.8;Quality:-0.5;Size:+0.4;Momentum:-0.3;LowVol:+0.4,,6,35,6.5,hard 12%,252,34.6,Bull,15.8,3.92,2.8,118,56,72,49,false,Buy,Add to core equity +1%,-5,-14,BrokerA,MKT,99,None,None,Normal monitoring,70,-43,137,5,false,Within IPS guidelines
P4769,Opportunistic,Trust,USD,2024-10-23,845736,32472,813264,1.12,74.7,18.5,0.0,6.8,VNQ:25.4%;AAPL:15.7%;MUB:21.5%;TLT:25.4%;TSLA:12.1%,US:56.1;EU:18.1;APAC:14.8;EM:6.0;Other:5.0,Value:-0.2;Growth:+0.3;Quality:-0.2;Size:-1.0;Momentum:+0.4;LowVol:-0.4,,6,35,6.0,hard 12%,163,26.4,Sideways,17.4,4.23,3.5,120,51,63,52,true,Reduce,"Cut high-beta by 2-3%, add cash",11,-21,BrokerA,LMT,91,VAR>budget,Hedge,Risk above budget threshold,108,-54,188,2,false,Tax-aware sells next window
P4770,Cautious,401k,USD,2025-10-20,408148,41929,366219,1.0,39.0,43.6,4.5,12.8,BND:20.4%;AAPL:15.7%;IEF:7.6%;GLD:19.6%;TSLA:15.8%;VNQ:20.9%,US:63.7;EU:15.7;APAC:7.2;EM:10.0;Other:3.5,Value:+0.2;Growth:+0.2;Quality:-0.3;Size:-0.5;Momentum:-0.1;LowVol:-0.2,ESGOnly;NoMargin,10,30,3.2,hard 10%,150,17.1,Volatile,26.9,4.43,3.4,130,-3,51,55,false,NoAction,Within bands; monitor,26,-2,BrokerD,LMT,89,None,None,Normal monitoring,80,-11,88,5,false,Tax-aware sells next window
P4771,Cautious,Trust,USD,2025-11-20,845065,132610,712455,1.0,42.6,30.6,13.5,13.3,MSFT:33.3%;GLD:33.3%;VTI:33.3%,US:54.2;EU:19.3;APAC:14.2;EM:9.7;Other:2.6,Value:-0.7;Growth:+0.7;Quality:-0.3;Size:-0.7;Momentum:-0.3;LowVol:-0.1,ESGOnly;MaxPos8%;NoDerivatives;NoMargin,7,35,3.7,trailing 8%,141,16.2,Volatile,28.5,3.76,3.1,180,52,67,53,false,Buy,Add to core equity +1%,-1,-35,BrokerD,LMT,87,None,None,Normal monitoring,7,17,90,4,false,Monitor dispersion and breadth
P4772,Opportunistic,Taxable,USD,2025-07-16,1282825,91059,1191766,1.0,63.5,11.6,17.0,7.9,VTI:33.6%;MSFT:33.6%;AMZN:32.8%,US:73.7;EU:11.4;APAC:6.5;EM:5.5;Other:2.9,Value:-0.8;Growth:0.0;Quality:-0.9;Size:+0.1;Momentum:+0.7;LowVol:-0.9,NoDerivatives,5,35,5.0,trailing 7%,241,31.2,Sideways,19.7,3.57,3.2,93,51,85,49,false,Buy,Add to core equity +1%,7,-11,BrokerC,MKT,96,None,None,Normal monitoring,-34,-53,-7,3,false,Monitor dispersion and breadth
P4773,Cautious,IRA,USD,2024-08-15,474337,51248,423089,1.0,45.0,34.5,5.8,14.6,VOO:21.6%;TLT:21.6%;VNQ:21.6%;BND:19.1%;AMZN:16.0%,US:55.1;EU:19.6;APAC:14.0;EM:7.8;Other:3.6,Value:+0.5;Growth:+0.9;Quality:-0.3;Size:-0.6;Momentum:-0.7;LowVol:+0.1,NoMargin,5,35,5.5,trailing 8%,111,13.9,Bear,34.6,4.11,2.0,157,27,56,73,true,Reduce,"Cut high-beta by 2-3%, add cash",16,-36,BrokerB,LMT,86,Drift>tolerance,Pause,Allocation drift beyond policy bands,-13,-14,61,2,false,Within IPS guidelines
P4774,Opportunistic,401k,USD,2025-03-06,1283990,73706,1210284,1.0,74.0,17.3,0.0,8.7,AMZN:25.8%;IEF:13.7%;QQQ:15.8%;HYG:25.8%;TLT:18.9%,US:67.1;EU:15.1;APAC:11.0;EM:4.0;Other:2.9,Value:-1.0;Growth:+1.0;Quality:+1.0;Size:-0.2;Momentum:+0.3;LowVol:-0.4,,7,25,6.2,trailing 7%,265,31.4,Bull,14.4,4.52,2.3,107,66,72,52,false,Rebalance,Shift +1% to bonds from equity,13,-32,BrokerC,LMT,100,None,None,Normal monitoring,35,-31,22,5,false,Monitor dispersion and breadth
P4775,Active,Trust,USD,2024-10-01,678266,80872,597394,1.0,67.9,23.2,3.9,5.0,HYG:22.9%;BRK.B:15.6%;MSFT:22.9%;MUB:15.6%;AMZN:22.9%,US:67.0;EU:10.3;APAC:14.0;EM:8.5;Other:0.2,Value:-0.3;Growth:+0.4;Quality:-0.7;Size:-0.5;Momentum:-0.0;LowVol:-0.6,MaxPos8%;NoDerivatives,7,30,4.1,hard 12%,154,18.8,Volatile,25.6,5.24,2.6,167,-53,34,73,true,Hedge,Buy index puts 1% notional,12,-21,BrokerD,LMT,92,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,20,-60,105,4,false,Within IPS guidelines
P4776,Active,Taxable,USD,2024-09-04,1003428,74029,929399,1.0,64.4,26.0,1.0,8.6,MUB:18.6%;AMZN:22.9%;HYG:22.9%;TSLA:12.8%;XLF:22.9%,US:66.7;EU:16.6;APAC:11.6;EM:3.5;Other:1.6,Value:-0.7;Growth:+0.2;Quality:-0.6;Size:0.0;Momentum:-0.3;LowVol:+0.9,MaxPos8%,10,35,5.8,trailing 9%,145,20.5,Bull,12.6,4.38,2.8,101,113,100,44,false,Buy,Add to core equity +1%,34,-10,BrokerC,MKT,88,None,None,Normal monitoring,77,-22,205,4,false,Increase defensive factor exposure
P4777,Cautious,Trust,USD,2025-05-18,620538,66902,553636,1.0,43.1,33.7,9.5,13.7,IEF:19.5%;VTI:26.8%;AMZN:26.8%;VNQ:26.8%,US:75.7;EU:14.1;APAC:6.2;EM:3.7;Other:0.4,Value:+0.7;Growth:-0.0;Quality:+0.1;Size:+0.9;Momentum:-0.8;LowVol:-0.1,NoMargin,5,25,5.8,hard 10%,159,12.1,Volatile,20.5,4.94,4.0,172,45,69,36,false,NoAction,Within bands; monitor,-1,5,BrokerC,MKT,0,None,None,Normal monitoring,-5,-22,133,5,false,Monitor dispersion and breadth
P4778,Hands-off,401k,USD,2025-08-15,801753,40027,761726,1.0,68.3,22.4,0.0,9.3,TLT:12.1%;VTI:20.9%;BND:20.9%;IEF:14.2%;AAPL:11.0%;XLF:20.9%,US:71.2;EU:12.2;APAC:7.7;EM:4.4;Other:4.6,Value:+0.3;Growth:-0.9;Quality:-0.5;Size:+0.7;Momentum:-0.7;LowVol:+0.5,,8,25,4.8,trailing 10%,142,15.0,Sideways,17.3,3.64,3.0,118,-2,43,64,false,Rebalance,Shift +1% to bonds from equity,5,-3,BrokerD,MKT,91,None,None,Normal monitoring,-12,-22,14,5,false,Monitor dispersion and breadth
P4779,Active,Taxable,USD,2024-07-15,1334585,81513,1253072,1.22,50.8,23.6,17.7,8.0,VOO:28.1%;VNQ:20.3%;HYG:23.6%;BRK.B:28.1%,US:70.1;EU:10.3;APAC:5.3;EM:10.0;Other:4.3,Value:+0.5;Growth:+0.6;Quality:-0.5;Size:-0.4;Momentum:+0.5;LowVol:+0.7,MaxPos5%,10,35,6.0,trailing 9%,184,22.3,Bull,12.6,4.11,2.6,72,60,90,36,false,Buy,Add to core equity +1%,6,-15,BrokerA,MKT,94,None,None,Normal monitoring,81,-51,100,3,false,Increase defensive factor exposure
P4780,Hands-off,IRA,USD,2024-10-30,559822,55812,504010,1.0,68.9,25.3,0.0,5.8,VNQ:15.6%;TLT:22.3%;VOO:22.3%;VTI:17.6%;XLF:12.8%;AAPL:9.4%,US:61.3;EU:18.9;APAC:11.3;EM:4.6;Other:3.9,Value:-0.9;Growth:-0.3;Quality:+0.3;Size:+0.6;Momentum:+0.2;LowVol:+0.9,,8,35,5.0,trailing 8%,151,15.3,Volatile,26.8,4.5,4.0,143,55,63,83,true,Reduce,"Cut high-beta by 2-3%, add cash",-3,15,BrokerD,LMT,87,VAR>budget,Hedge,Risk above budget threshold,-27,11,12,2,false,Within IPS guidelines
P4781,Hands-off,IRA,USD,2024-10-19,208409,15251,193158,1.0,67.8,25.5,0.2,6.4,BRK.B:24.8%;BND:15.4%;AAPL:24.8%;MSFT:10.0%;TSLA:24.8%,US:69.2;EU:14.6;APAC:7.3;EM:6.4;Other:2.4,Value:+0.1;Growth:-0.0;Quality:+0.2;Size:-0.5;Momentum:-0.5;LowVol:-0.5,MaxPos8%,7,30,5.6,trailing 8%,170,15.1,Volatile,22.4,4.19,3.1,137,-7,51,55,true,Rebalance,Rebalance back to target bands,6,14,BrokerD,LMT,93,VAR>budget,Pause,Risk above budget threshold,-9,18,82,5,false,Tax-aware sells next window
P4782,Hands-off,Trust,USD,2025-07-17,253793,24626,229167,1.0,69.9,21.3,0.0,8.9,HYG:12.5%;BRK.B:13.6%;XLF:10.0%;IEF:21.8%;VTI:21.8%;VOO:20.3%,US:54.6;EU:15.5;APAC:14.5;EM:12.0;Other:3.4,Value:-0.4;Growth:-0.9;Quality:+0.1;Size:+0.8;Momentum:+0.7;LowVol:0.0,NoDerivatives,7,30,4.9,trailing 10%,111,13.4,Volatile,22.2,4.33,2.4,178,-44,39,60,true,Hedge,Buy index puts 1% notional,17,-27,BrokerA,MKT,88,Drift>tolerance,Hedge,Allocation drift beyond policy bands,21,-1,83,3,false,Within IPS guidelines
P4783,Cautious,IRA,USD,2024-12-09,801183,116794,684389,1.0,50.8,34.4,0.3,14.6,GLD:15.0%;AAPL:22.3%;IEF:22.3%;VNQ:22.3%;VTI:18.2%,US:61.6;EU:10.5;APAC:13.7;EM:11.5;Other:2.8,Value:-0.1;Growth:+0.3;Quality:+0.3;Size:+0.3;Momentum:-0.5;LowVol:+0.5,MaxPos7%;NoMargin,5,35,4.2,trailing 8%,95,14.5,Bull,16.6,4.38,2.7,98,51,80,51,false,NoAction,Within bands; monitor,10,13,BrokerD,MKT,0,None,None,Normal monitoring,48,-59,19,3,false,Tighten stops on momentum names
P4784,Cautious,Trust,USD,2025-03-26,163916,15752,148164,1.0,46.2,37.9,0.0,16.0,AMZN:33.3%;MSFT:33.3%;VTI:33.3%,US:73.6;EU:12.4;APAC:5.6;EM:8.3;Other:0.0,Value:+0.6;Growth:+0.8;Quality:+0.1;Size:-0.2;Momentum:+0.4;LowVol:-0.9,ESGOnly;NoMargin,6,30,4.0,trailing 8%,118,15.6,Volatile,21.9,4.98,2.5,178,-56,18,51,false,Rebalance,Shift +1% to bonds from equity,3,-9,BrokerC,LMT,97,None,None,Normal monitoring,42,-53,48,3,false,Within IPS guidelines
P4785,Hands-off,IRA,USD,2025-06-30,161684,8304,153380,1.0,68.1,26.7,0.0,5.3,TLT:22.6%;VOO:13.6%;IEF:26.6%;BND:10.6%;TSLA:26.6%,US:70.8;EU:6.2;APAC:13.3;EM:5.9;Other:3.8,Value:-1.0;Growth:+0.4;Quality:+0.8;Size:-0.2;Momentum:-0.3;LowVol:-0.3,ESGOnly,5,35,5.7,trailing 8%,165,13.7,Volatile,24.9,3.71,2.4,128,-41,37,77,true,Rebalance,Rebalance back to target bands,7,-30,BrokerC,VWAP,89,VAR>budget,Reduce,Risk above budget threshold,-28,19,106,4,true,Tax-aware sells next window
P4786,Systematic,Taxable,USD,2025-10-27,509131,45546,463585,1.0,66.2,20.2,6.0,7.6,GLD:11.8%;VTI:29.4%;IEF:29.4%;TLT:29.4%,US:67.0;EU:16.0;APAC:7.3;EM:9.3;Other:0.3,Value:-0.2;Growth:+0.7;Quality:+0.1;Size:-0.0;Momentum:+0.5;LowVol:-0.5,MaxPos8%,5,30,5.5,trailing 8%,183,23.5,Sideways,21.9,4.33,3.4,94,43,67,64,false,Rebalance,Shift +1% to bonds from equity,-3,-15,BrokerB,LMT,86,None,None,Normal monitoring,88,-60,76,4,false,Increase defensive factor exposure
P4787,Hands-off,Roth,USD,2025-05-22,880684,87255,793429,1.0,60.6,26.7,2.9,9.8,MUB:27.0%;QQQ:24.6%;TLT:27.0%;VTI:21.3%,US:71.1;EU:10.5;APAC:13.4;EM:4.0;Other:1.1,Value:-0.5;Growth:-0.6;Quality:-0.3;Size:-0.4;Momentum:-0.7;LowVol:+0.8,,6,25,4.5,hard 10%,128,19.5,Bull,14.6,4.49,3.3,116,45,62,46,false,Buy,Add to core equity +1%,8,6,BrokerA,MKT,87,None,None,Normal monitoring,55,-19,117,3,false,Monitor dispersion and breadth
P4788,Systematic,Taxable,USD,2024-09-19,1280643,56390,1224253,1.0,69.8,20.8,2.8,6.6,GLD:11.8%;HYG:22.6%;VOO:24.6%;BRK.B:16.3%;MSFT:24.6%,US:66.0;EU:7.6;APAC:12.7;EM:9.9;Other:3.8,Value:+0.8;Growth:-0.2;Quality:+0.2;Size:+0.8;Momentum:-1.0;LowVol:-0.9,NoDerivatives,8,30,4.3,trailing 8%,142,20.5,Volatile,28.6,4.48,3.3,150,19,49,75,true,Rebalance,Rebalance back to target bands,-5,-32,BrokerC,MKT,98,Drift>tolerance,Hedge,Allocation drift beyond policy bands,109,-6,72,5,false,Monitor dispersion and breadth
P4789,Active,Trust,USD,2024-08-12,2339970,256378,2083592,1.11,54.7,31.2,5.9,8.1,BND:26.6%;XLF:26.6%;MUB:26.6%;VNQ:20.2%,US:60.5;EU:14.0;APAC:13.5;EM:10.3;Other:1.7,Value:-0.5;Growth:-0.9;Quality:+0.2;Size:-0.8;Momentum:+0.8;LowVol:0.0,MaxPos7%,5,25,5.0,trailing 9%,157,26.8,Bull,13.3,4.73,2.6,101,65,91,38,true,Rebalance,Rebalance back to target bands,32,3,BrokerA,MKT,98,Drift>tolerance,Reduce,Allocation drift beyond policy bands,50,9,74,5,false,Monitor dispersion and breadth
P4790,Hands-off,Trust,USD,2024-12-01,695884,41666,654218,1.0,65.9,29.1,0.0,5.1,XLF:16.2%;MUB:21.7%;HYG:21.7%;VNQ:9.6%;GLD:17.6%;VOO:13.3%,US:62.9;EU:17.4;APAC:8.8;EM:8.7;Other:2.1,Value:+0.7;Growth:-0.9;Quality:-0.6;Size:-0.5;Momentum:+0.6;LowVol:+0.5,NoDerivatives,6,25,4.6,hard 10%,97,17.8,Bull,12.3,3.69,3.4,78,108,100,49,false,Sell,Trim extended winner -1%,-11,-2,BrokerB,MKT,98,None,None,Normal monitoring,87,-27,55,3,false,Within IPS guidelines
P4791,Cautious,401k,USD,2025-04-11,366519,55162,311357,1.0,38.2,35.9,8.4,17.6,IEF:8.2%;HYG:13.3%;VOO:14.8%;AMZN:19.1%;TSLA:22.4%;QQQ:22.4%,US:64.1;EU:8.3;APAC:16.0;EM:8.1;Other:3.6,Value:-0.7;Growth:+0.3;Quality:-0.5;Size:+0.1;Momentum:-0.4;LowVol:+0.7,ESGOnly;MaxPos6%;NoMargin,10,25,5.8,hard 10%,106,14.7,Bear,30.3,3.65,2.7,174,-67,18,59,false,NoAction,Within bands; monitor,-6,-28,BrokerC,MKT,0,None,None,Normal monitoring,19,-6,-18,3,false,Tighten stops on momentum names
P4792,Active,IRA,USD,2024-11-17,2042215,195877,1846338,1.0,55.0,24.9,13.8,6.3,MSFT:25.1%;VOO:25.1%;AAPL:24.7%;QQQ:25.1%,US:53.5;EU:18.5;APAC:14.6;EM:8.6;Other:4.9,Value:+0.2;Growth:-0.8;Quality:+1.0;Size:+0.9;Momentum:+0.7;LowVol:-0.6,MaxPos5%;NoDerivatives,10,25,5.5,trailing 9%,139,18.9,Bull,14.6,4.27,3.4,86,18,67,45,false,NoAction,Within bands; monitor,33,-30,BrokerB,MKT,0,None,None,Normal monitoring,26,19,120,4,false,Tax-aware sells next window
P4793,Opportunistic,Trust,USD,2025-09-04,829784,25032,804752,1.0,73.0,19.9,0.0,7.1,MUB:33.0%;TLT:33.5%;AAPL:33.5%,US:61.3;EU:15.8;APAC:9.2;EM:10.5;Other:3.2,Value:+0.4;Growth:+0.8;Quality:-0.2;Size:+0.1;Momentum:+0.2;LowVol:-0.7,MaxPos6%,10,25,5.7,hard 12%,166,33.1,Bull,15.8,3.7,2.1,83,99,87,57,false,Rebalance,Shift +1% to bonds from equity,2,-11,BrokerC,LMT,97,None,None,Normal monitoring,114,6,148,5,false,Monitor dispersion and breadth
P4794,Systematic,Trust,USD,2025-06-02,986191,77977,908214,1.0,69.1,24.2,0.0,6.7,VNQ:19.6%;BND:10.1%;BRK.B:23.4%;IEF:23.4%;HYG:23.4%,US:57.1;EU:17.7;APAC:12.9;EM:8.8;Other:3.6,Value:+0.8;Growth:+0.4;Quality:-0.5;Size:-0.4;Momentum:-0.4;LowVol:+0.5,NoDerivatives,5,35,6.0,trailing 8%,120,21.0,Bull,12.7,3.69,2.1,118,37,62,50,false,Rebalance,Shift +1% to bonds from equity,31,-1,BrokerD,LMT,90,None,None,Normal monitoring,59,-53,180,5,false,Tax-aware sells next window
P4795,Cautious,401k,USD,2025-10-24,228766,30395,198371,1.0,52.4,35.8,0.0,11.7,AAPL:33.7%;MUB:32.7%;BND:33.7%,US:70.1;EU:13.8;APAC:6.0;EM:9.6;Other:0.6,Value:+0.8;Growth:-0.4;Quality:+0.9;Size:-0.5;Momentum:+0.8;LowVol:+0.6,ESGOnly;NoMargin,7,35,3.7,trailing 8%,99,13.8,Sideways,15.5,4.97,2.3,129,-22,37,34,true,Hedge,Buy index puts 1% notional,25,-24,BrokerA,MKT,99,VAR>budget,Hedge,Risk above budget threshold,10,-31,85,3,false,Tighten stops on momentum names
P4796,Opportunistic,Trust,USD,2025-10-16,1184048,85778,1098270,1.0,61.9,18.0,11.2,8.9,AAPL:33.3%;QQQ:33.3%;TLT:33.3%,US:70.8;EU:11.5;APAC:6.7;EM:9.1;Other:2.0,Value:-0.6;Growth:-0.5;Quality:+0.6;Size:+0.6;Momentum:+0.3;LowVol:+0.5,,5,25,5.2,trailing 7%,178,28.9,Bull,13.9,4.66,2.3,112,54,68,44,false,Rebalance,Shift +1% to bonds from equity,14,-33,BrokerA,MKT,93,None,None,Normal monitoring,10,-15,9,3,false,Increase defensive factor exposure
P4797,Systematic,IRA,USD,2025-11-30,1498345,81245,1417100,1.0,64.1,30.9,0.0,5.0,MUB:22.3%;HYG:22.3%;VOO:15.2%;VNQ:20.3%;TLT:19.9%,US:68.8;EU:13.1;APAC:11.7;EM:4.8;Other:1.6,Value:-0.6;Growth:-0.0;Quality:+0.7;Size:-0.6;Momentum:+0.1;LowVol:-0.2,,6,25,4.3,trailing 8%,213,22.2,Bull,13.2,3.62,2.1,88,61,78,43,false,Buy,Add to core equity +1%,-1,-39,BrokerA,LMT,92,None,None,Normal monitoring,-54,7,-15,5,false,Increase defensive factor exposure
P4798,Active,IRA,USD,2024-09-29,1902311,191093,1711218,1.23,57.0,22.3,15.2,5.6,AAPL:18.0%;GLD:25.5%;VOO:28.3%;MSFT:28.3%,US:56.6;EU:18.2;APAC:9.7;EM:11.7;Other:3.9,Value:-0.6;Growth:+0.1;Quality:0.0;Size:+0.5;Momentum:-1.0;LowVol:-0.9,,8,25,4.7,trailing 8%,207,17.5,Bull,15.3,3.95,2.3,104,2,58,43,false,Buy,Add to core equity +1%,-10,-7,BrokerA,MKT,87,None,None,Normal monitoring,14,18,-22,4,false,Within IPS guidelines
P4799,Systematic,Trust,USD,2025-06-04,1567204,152021,1415183,1.0,55.8,21.5,16.2,6.4,VTI:21.3%;HYG:10.4%;MSFT:21.3%;BND:11.7%;VNQ:15.9%;QQQ:19.3%,US:68.5;EU:13.8;APAC:10.3;EM:3.7;Other:3.6,Value:-0.5;Growth:-0.2;Quality:-0.7;Size:+0.1;Momentum:+0.2;LowVol:+0.4,MaxPos8%;NoDerivatives,8,30,5.8,hard 12%,124,16.8,Volatile,30.4,4.34,2.8,130,-35,29,66,false,NoAction,Within bands; monitor,16,-1,BrokerA,MKT,0,None,None,Normal monitoring,-29,-58,7,5,false,Tighten stops on momentum names
P4800,Cautious,401k,USD,2025-02-21,489670,41074,448596,1.0,40.5,43.5,3.3,12.6,BRK.B:33.3%;VOO:33.3%;AAPL:33.3%,US:79.3;EU:6.5;APAC:6.4;EM:3.6;Other:4.1,Value:+0.7;Growth:+0.2;Quality:+0.4;Size:-0.8;Momentum:+0.1;LowVol:+0.9,NoDerivatives;NoMargin,6,35,5.1,trailing 8%,133,12.5,Volatile,29.0,4.19,2.4,178,1,46,58,false,NoAction,Within bands; monitor,23,-27,BrokerC,LMT,96,None,None,Normal monitoring,100,18,99,3,false,Increase defensive factor exposure
P4801,Opportunistic,401k,USD,2024-09-25,496971,32660,464311,1.0,61.1,19.7,11.6,7.6,BND:33.3%;AAPL:33.3%;XLF:33.3%,US:59.8;EU:19.2;APAC:9.5;EM:11.6;Other:0.0,Value:-0.9;Growth:+0.8;Quality:-0.1;Size:-0.6;Momentum:+0.1;LowVol:-1.0,MaxPos7%,5,35,5.7,trailing 9%,164,28.4,Volatile,23.6,3.73,4.3,126,39,79,66,false,Buy,Add to core equity +1%,13,-19,BrokerD,LMT,89,None,None,Normal monitoring,-8,-33,11,4,false,Within IPS guidelines
P4802,Opportunistic,Roth,USD,2025-08-03,1237711,105386,1132325,1.06,74.4,10.9,5.7,9.0,TLT:22.0%;VTI:26.0%;XLF:26.0%;AAPL:26.0%,US:69.1;EU:10.3;APAC:5.8;EM:11.8;Other:3.0,Value:+0.6;Growth:+0.4;Quality:+0.8;Size:-0.6;Momentum:-0.1;LowVol:-0.7,NoDerivatives,6,25,5.5,trailing 9%,247,28.3,Bull,16.8,4.49,2.6,85,58,67,63,false,NoAction,Within bands; monitor,29,2,BrokerB,MKT,0,None,None,Normal monitoring,85,20,91,4,false,Monitor dispersion and breadth
P4803,Cautious,Roth,USD,2025-04-29,379328,34527,344801,1.0,41.1,41.2,0.0,17.8,VOO:33.3%;AMZN:33.3%;MUB:33.3%,US:69.7;EU:7.7;APAC:7.5;EM:10.3;Other:4.8,Value:-0.2;Growth:+0.7;Quality:-0.1;Size:-0.2;Momentum:-0.3;LowVol:+0.8,ESGOnly;NoMargin,5,30,4.4,trailing 8%,154,19.3,Sideways,18.0,3.96,3.2,123,-16,49,44,false,Rebalance,Shift +1% to bonds from equity,17,-22,BrokerD,MKT,89,None,None,Normal monitoring,101,-45,224,4,false,Within IPS guidelines
P4804,Systematic,Taxable,USD,2025-12-19,441822,25915,415907,1.0,57.1,31.2,3.5,8.2,AAPL:36.6%;TLT:36.6%;BND:26.7%,US:66.9;EU:14.2;APAC:8.9;EM:7.7;Other:2.3,Value:-0.3;Growth:+0.4;Quality:+0.9;Size:+0.9;Momentum:-0.2;LowVol:+0.7,,10,35,4.0,hard 12%,225,21.4,Sideways,16.7,3.58,3.3,133,57,72,40,false,Hedge,Add TLT +1% as duration hedge,15,6,BrokerA,VWAP,89,None,None,Normal monitoring,41,6,56,3,false,Monitor dispersion and breadth
P4805,Hands-off,401k,USD,2025-11-03,714772,46378,668394,1.0,56.8,24.8,12.6,5.7,IEF:22.3%;XLF:25.9%;MUB:25.9%;TSLA:25.9%,US:71.3;EU:7.9;APAC:9.6;EM:8.3;Other:3.0,Value:+0.2;Growth:+0.1;Quality:-0.6;Size:-0.7;Momentum:+0.6;LowVol:+0.3,ESGOnly,5,25,5.4,hard 10%,156,15.4,Sideways,19.7,4.23,3.2,131,-16,47,56,true,Hedge,Buy index puts 1% notional,-11,-16,BrokerB,MKT,99,VAR>budget,Hedge,Risk above budget threshold,111,-25,162,4,false,Tax-aware sells next window
P4806,Active,Roth,USD,2025-09-22,1967876,175273,1792603,1.0,57.1,24.6,12.4,5.9,AAPL:19.3%;VTI:22.0%;GLD:22.0%;VOO:19.4%;BND:17.3%,US:69.5;EU:17.1;APAC:6.6;EM:4.6;Other:2.2,Value:-0.0;Growth:+0.8;Quality:-0.5;Size:0.0;Momentum:-0.1;LowVol:+0.9,MaxPos5%,7,25,4.4,trailing 9%,153,22.8,Sideways,20.1,4.69,2.5,115,56,66,61,false,Buy,Add to core equity +1%,25,-32,BrokerA,MKT,95,None,None,Normal monitoring,91,-11,73,5,false,Tighten stops on momentum names
P4807,Hands-off,IRA,USD,2025-09-24,527252,49293,477959,1.0,69.0,25.0,0.0,6.0,VTI:19.7%;HYG:20.0%;AMZN:14.6%;IEF:14.9%;TLT:16.1%;BRK.B:14.8%,US:69.8;EU:6.4;APAC:13.1;EM:7.4;Other:3.3,Value:+1.0;Growth:-0.3;Quality:-0.1;Size:-0.5;Momentum:+0.8;LowVol:-0.5,,8,25,4.2,trailing 8%,152,12.8,Bear,26.3,4.28,2.9,187,-19,44,84,true,Rebalance,Rebalance back to target bands,-1,-28,BrokerC,MKT,98,Drift>tolerance,Pause,Allocation drift beyond policy bands,99,-26,229,4,false,Tighten stops on momentum names
P4808,Hands-off,Roth,USD,2025-01-23,717071,53131,663940,1.0,59.9,28.2,3.3,8.6,HYG:22.2%;XLF:27.5%;VNQ:22.7%;IEF:27.5%,US:73.7;EU:5.9;APAC:13.1;EM:3.4;Other:3.9,Value:+0.5;Growth:+0.1;Quality:+0.1;Size:-1.0;Momentum:-0.2;LowVol:-0.2,,10,30,4.3,trailing 8%,169,12.5,Volatile,22.4,3.92,3.7,161,6,55,59,false,NoAction,Within bands; monitor,35,1,BrokerB,MKT,0,None,None,Normal monitoring,56,14,24,3,false,Increase defensive factor exposure
P4809,Active,Roth,USD,2025-03-05,1653013,189189,1463824,1.0,66.4,18.1,7.4,8.1,MUB:25.0%;VNQ:25.0%;BRK.B:25.0%;QQQ:25.0%,US:70.7;EU:14.2;APAC:8.3;EM:5.4;Other:1.4,Value:-0.1;Growth:0.0;Quality:-0.5;Size:+0.3;Momentum:-0.2;LowVol:-0.6,MaxPos8%,6,25,5.7,trailing 8%,135,25.5,Bull,14.1,4.33,2.6,97,84,84,50,false,Sell,Trim extended winner -1%,26,4,BrokerC,LMT,98,None,None,Normal monitoring,-5,-32,112,5,false,Tighten stops on momentum names
P4810,Opportunistic,Trust,USD,2025-09-15,1496681,112538,1384143,1.12,66.3,16.6,12.9,4.1,IEF:33.3%;AAPL:33.3%;VOO:33.3%,US:68.8;EU:11.6;APAC:11.0;EM:6.5;Other:2.1,Value:+0.1;Growth:-0.8;Quality:-0.1;Size:-0.0;Momentum:-0.5;LowVol:+0.5,,6,25,4.6,hard 12%,174,32.8,Bear,34.3,3.67,1.1,199,24,49,82,true,Reduce,"Cut high-beta by 2-3%, add cash",7,-34,BrokerB,MKT,95,Drift>tolerance,Hedge,Allocation drift beyond policy bands,53,-11,24,5,false,Monitor dispersion and breadth
P4811,Hands-off,Taxable,USD,2025-04-07,389124,36044,353080,1.0,57.7,27.2,8.6,6.5,AAPL:33.5%;GLD:32.9%;HYG:33.5%,US:63.3;EU:16.8;APAC:7.0;EM:12.9;Other:0.0,Value:-0.6;Growth:-0.4;Quality:-0.9;Size:-0.3;Momentum:+0.6;LowVol:+0.3,MaxPos7%;NoDerivatives,6,30,3.9,trailing 8%,99,17.8,Bull,17.3,4.42,3.2,83,95,100,41,false,Hedge,Add TLT +1% as duration hedge,-15,-19,BrokerA,MKT,95,None,None,Normal monitoring,-27,7,-44,3,false,Increase defensive factor exposure
P4812,Active,Trust,USD,2025-03-14,1406191,103291,1302900,1.06,62.4,22.2,9.6,5.8,XLF:33.3%;VOO:33.3%;VTI:33.3%,US:63.0;EU:8.7;APAC:12.4;EM:13.1;Other:2.8,Value:-0.1;Growth:-1.0;Quality:+0.2;Size:-0.9;Momentum:-0.1;LowVol:-0.8,MaxPos6%,6,25,5.9,hard 12%,175,16.1,Bull,13.7,4.19,3.0,71,84,100,50,false,Rebalance,Shift +1% to bonds from equity,-7,1,BrokerB,LMT,95,None,None,Normal monitoring,7,-35,135,5,false,Increase defensive factor exposure
P4813,Active,Taxable,USD,2025-01-13,1612187,178729,1433458,1.0,61.6,25.8,5.1,7.5,BRK.B:21.1%;VNQ:15.3%;BND:21.1%;IEF:8.9%;XLF:16.8%;TLT:16.9%,US:59.5;EU:17.1;APAC:9.3;EM:9.4;Other:4.7,Value:-0.9;Growth:+0.1;Quality:-0.6;Size:+0.4;Momentum:+0.3;LowVol:-0.2,,7,30,4.4,hard 12%,142,27.9,Sideways,19.6,4.22,2.1,133,30,61,51,false,Buy,Add to core equity +1%,35,-29,BrokerC,MKT,90,None,None,Normal monitoring,-45,-54,19,5,false,Tighten stops on momentum names
P4814,Opportunistic,Roth,USD,2025-10-04,1151964,52734,1099230,1.0,75.1,18.1,0.0,6.8,IEF:25.0%;AAPL:25.0%;AMZN:25.0%;BND:25.0%,US:76.4;EU:6.6;APAC:7.5;EM:5.7;Other:3.8,Value:+0.6;Growth:-1.0;Quality:+0.1;Size:+0.8;Momentum:-0.4;LowVol:-0.4,,7,30,4.4,hard 12%,256,28.9,Bear,23.1,3.87,1.2,143,-7,46,78,true,Rebalance,Rebalance back to target bands,-11,-11,BrokerB,VWAP,92,Drift>tolerance,Hedge,Allocation drift beyond policy bands,110,-30,237,5,false,Monitor dispersion and breadth
P4815,Cautious,IRA,USD,2025-05-28,475967,72597,403370,1.0,41.9,34.4,10.7,13.0,MUB:28.2%;VNQ:23.0%;BRK.B:25.9%;XLF:22.9%,US:67.0;EU:8.3;APAC:12.7;EM:8.2;Other:3.8,Value:+1.0;Growth:-0.4;Quality:+0.6;Size:-0.7;Momentum:-0.0;LowVol:-0.9,ESGOnly;NoMargin,8,25,3.7,trailing 8%,100,15.6,Bull,15.8,4.79,2.3,115,65,82,31,true,Hedge,Buy index puts 1% notional,11,4,BrokerA,VWAP,96,RegimeShift,Hedge,Volatility spike and breadth deterioration,29,-55,116,5,false,Tax-aware sells next window
P4816,Hands-off,IRA,USD,2025-03-22,549505,32107,517398,1.0,60.9,15.6,14.2,9.3,BRK.B:25.2%;VOO:12.0%;MSFT:25.2%;HYG:12.4%;TSLA:25.2%,US:69.3;EU:8.4;APAC:6.4;EM:13.1;Other:2.8,Value:+0.9;Growth:-0.9;Quality:+0.7;Size:+0.7;Momentum:+0.6;LowVol:+0.5,ESGOnly,8,30,3.5,trailing 8%,110,18.6,Bear,25.6,4.1,2.0,146,-72,22,61,false,Rebalance,Shift +1% to bonds from equity,14,-21,BrokerD,MKT,90,None,None,Normal monitoring,-1,-28,-24,4,false,Increase defensive factor exposure
P4817,Opportunistic,401k,USD,2025-01-11,301187,17429,283758,1.0,68.9,11.8,14.0,5.3,GLD:26.6%;BND:26.6%;TLT:26.6%;VNQ:20.1%,US:64.9;EU:17.5;APAC:9.2;EM:5.7;Other:2.7,Value:-0.1;Growth:-0.9;Quality:+0.1;Size:+0.7;Momentum:+0.9;LowVol:-0.3,MaxPos6%;NoDerivatives,6,25,4.8,trailing 9%,213,26.0,Bull,17.0,4.63,2.8,115,12,50,59,false,Buy,Add to core equity +1%,26,-10,BrokerD,LMT,89,None,None,Normal monitoring,97,-2,141,4,false,Tax-aware sells next window
P4818,Opportunistic,Roth,USD,2025-09-16,1090673,87188,1003485,1.0,73.6,16.7,4.0,5.7,MUB:29.7%;VTI:35.1%;AAPL:35.1%,US:60.4;EU:15.7;APAC:15.0;EM:8.1;Other:0.8,Value:-0.5;Growth:+0.6;Quality:+0.5;Size:+0.7;Momentum:+0.9;LowVol:-0.8,,7,25,4.4,trailing 9%,194,24.2,Bull,11.2,3.77,3.0,116,86,87,41,false,Rebalance,Shift +1% to bonds from equity,14,-23,BrokerC,VWAP,89,None,None,Normal monitoring,-59,-4,69,3,false,Increase defensive factor exposure
P4819,Opportunistic,Trust,USD,2025-03-10,1690383,100112,1590271,1.0,75.4,11.8,7.8,5.0,TSLA:33.3%;VTI:33.3%;IEF:33.3%,US:64.8;EU:12.8;APAC:9.3;EM:9.6;Other:3.4,Value:-0.4;Growth:-0.7;Quality:+0.8;Size:-0.8;Momentum:+0.4;LowVol:+1.0,MaxPos8%,5,30,6.4,hard 12%,172,22.1,Sideways,20.9,3.72,2.9,140,-29,27,58,false,Rebalance,Shift +1% to bonds from equity,24,-1,BrokerD,LMT,89,None,None,Normal monitoring,113,-47,132,5,false,Tighten stops on momentum names
P4820,Systematic,IRA,USD,2024-12-14,1975338,140410,1834928,1.0,62.7,26.2,5.3,5.8,AMZN:13.9%;XLF:17.9%;MUB:18.4%;GLD:24.9%;MSFT:24.9%,US:61.8;EU:19.8;APAC:7.1;EM:11.2;Other:0.1,Value:-0.3;Growth:+0.9;Quality:+0.3;Size:-0.7;Momentum:+0.9;LowVol:-0.9,MaxPos6%,8,35,4.0,trailing 9%,191,21.6,Sideways,17.8,3.97,3.1,96,-4,51,54,false,Buy,Add to core equity +1%,22,-37,BrokerD,LMT,89,None,None,Normal monitoring,55,-52,33,5,false,Tax-aware sells next window
P4821,Hands-off,Trust,USD,2025-11-30,529014,24746,504268,1.0,60.5,15.8,15.3,8.5,MSFT:26.0%;TSLA:21.9%;HYG:26.0%;XLF:26.0%,US:59.6;EU:17.7;APAC:12.4;EM:5.5;Other:4.8,Value:+0.5;Growth:+0.2;Quality:-0.4;Size:+0.4;Momentum:+0.1;LowVol:+0.1,MaxPos6%;NoDerivatives,8,35,3.4,trailing 8%,113,16.5,Bull,17.7,4.55,2.3,101,93,90,46,true,Hedge,Buy index puts 1% notional,-9,14,BrokerA,MKT,88,RegimeShift,Hedge,Volatility spike and breadth deterioration,62,-32,142,3,false,Monitor dispersion and breadth
P4822,Systematic,401k,USD,2025-12-22,1568510,81600,1486910,1.0,63.2,31.1,0.0,5.7,MSFT:33.3%;IEF:33.3%;TSLA:33.3%,US:67.1;EU:16.6;APAC:10.7;EM:5.3;Other:0.3,Value:-0.4;Growth:+0.5;Quality:-0.6;Size:+0.9;Momentum:-0.4;LowVol:-1.0,,5,30,5.7,trailing 8%,145,17.0,Bull,13.9,4.17,2.4,97,23,63,37,false,Rebalance,Shift +1% to bonds from equity,-3,-17,BrokerA,LMT,89,None,None,Normal monitoring,117,7,78,4,false,Tighten stops on momentum names
P4823,Systematic,Trust,USD,2024-10-20,1349907,109960,1239947,1.0,64.2,24.6,5.0,6.2,TLT:14.0%;VNQ:21.2%;MUB:19.7%;XLF:10.8%;MSFT:19.1%;TSLA:15.3%,US:68.2;EU:16.0;APAC:10.5;EM:3.1;Other:2.2,Value:+1.0;Growth:-0.5;Quality:-0.4;Size:-1.0;Momentum:+0.5;LowVol:-0.9,MaxPos5%,8,35,4.8,trailing 8%,214,21.0,Volatile,25.9,4.15,4.0,114,57,65,60,false,Sell,Trim extended winner -1%,28,-1,BrokerD,LMT,97,None,None,Normal monitoring,87,-26,136,4,false,Increase defensive factor exposure
P4824,Active,Trust,USD,2024-11-22,1293861,108838,1185023,1.15,67.0,24.2,0.7,8.2,TSLA:25.9%;QQQ:25.9%;BRK.B:25.9%;GLD:22.4%,US:70.2;EU:17.5;APAC:5.6;EM:6.6;Other:0.0,Value:-0.1;Growth:+0.4;Quality:+1.0;Size:+0.5;Momentum:+0.4;LowVol:-0.3,,10,35,4.5,trailing 8%,225,20.7,Sideways,20.2,3.63,3.2,94,-26,24,69,false,Buy,Add to core equity +1%,29,-38,BrokerD,MKT,99,None,None,Normal monitoring,115,-15,203,3,false,Tighten stops on momentum names
P4825,Active,IRA,USD,2024-09-10,2059148,139906,1919242,1.0,69.5,18.6,5.6,6.3,XLF:25.5%;HYG:25.5%;VOO:25.5%;VTI:23.6%,US:60.6;EU:21.5;APAC:8.7;EM:9.1;Other:0.0,Value:-0.0;Growth:+0.3;Quality:-0.9;Size:-0.6;Momentum:-0.4;LowVol:+0.9,MaxPos5%,5,25,4.6,trailing 9%,197,22.4,Bull,12.8,4.7,2.3,112,65,93,41,false,Rebalance,Shift +1% to bonds from equity,30,4,BrokerA,MKT,96,None,None,Normal monitoring,-18,-55,68,5,false,Increase defensive factor exposure
P4826,Cautious,401k,USD,2025-07-09,164760,14707,150053,1.0,47.6,37.2,0.0,15.1,MSFT:20.2%;XLF:24.9%;BND:27.5%;QQQ:27.5%,US:70.3;EU:11.4;APAC:7.7;EM:7.6;Other:3.0,Value:+0.2;Growth:-0.2;Quality:-1.0;Size:+0.6;Momentum:+0.8;LowVol:+0.5,MaxPos5%;NoMargin,6,35,3.8,hard 10%,143,15.1,Sideways,20.8,4.25,2.8,91,0,46,55,false,Hedge,Add TLT +1% as duration hedge,-2,-26,BrokerB,LMT,99,None,None,Normal monitoring,-22,-57,-33,5,false,Tax-aware sells next window
P4827,Opportunistic,Roth,USD,2025-10-08,599555,50912,548643,1.23,73.0,14.5,6.3,6.2,XLF:27.0%;BRK.B:18.9%;MSFT:27.0%;QQQ:27.0%,US:67.1;EU:9.4;APAC:11.5;EM:10.4;Other:1.5,Value:+1.0;Growth:+0.2;Quality:0.0;Size:-0.5;Momentum:-0.1;LowVol:+0.7,,7,25,4.6,trailing 7%,269,32.2,Volatile,30.7,4.54,2.5,144,1,62,94,true,Reduce,"Cut high-beta by 2-3%, add cash",-13,-6,BrokerC,LMT,94,Drift>tolerance,Hedge,Allocation drift beyond policy bands,51,-15,98,4,false,Increase defensive factor exposure
P4828,Active,Trust,USD,2025-01-18,549095,62194,486901,1.0,64.6,29.3,0.0,6.1,HYG:29.2%;TLT:29.2%;IEF:20.7%;AAPL:20.8%,US:71.2;EU:15.0;APAC:10.6;EM:2.9;Other:0.3,Value:-0.5;Growth:-0.1;Quality:+0.7;Size:-0.9;Momentum:-0.8;LowVol:-0.7,,6,30,4.5,hard 12%,126,25.5,Volatile,30.9,4.84,2.3,156,-34,22,81,true,Rebalance,Rebalance back to target bands,10,1,BrokerB,MKT,94,VAR>budget,Hedge,Risk above budget threshold,-41,10,4,5,false,Within IPS guidelines
P4829,Hands-off,Taxable,USD,2025-03-27,461128,40999,420129,1.0,58.7,19.2,12.4,9.7,GLD:16.3%;IEF:27.9%;BRK.B:27.9%;MSFT:27.9%,US:64.6;EU:11.1;APAC:12.6;EM:8.4;Other:3.3,Value:+0.9;Growth:-0.6;Quality:-0.7;Size:-0.4;Momentum:-0.8;LowVol:-0.3,NoDerivatives,7,25,4.2,trailing 8%,105,12.3,Sideways,14.5,4.31,2.5,116,33,71,54,false,Rebalance,Shift +1% to bonds from equity,24,-19,BrokerA,MKT,96,None,None,Normal monitoring,77,12,62,5,false,Tighten stops on momentum names
P4830,Cautious,401k,USD,2025-11-06,674658,85579,589079,1.0,37.2,34.2,15.8,12.9,MUB:25.8%;IEF:26.2%;BND:26.2%;VNQ:21.8%,US:64.6;EU:7.8;APAC:12.7;EM:10.1;Other:4.7,Value:-0.6;Growth:+0.4;Quality:-0.6;Size:-0.3;Momentum:+0.5;LowVol:+0.8,NoDerivatives;NoMargin,6,35,4.9,trailing 8%,95,19.9,Bull,11.9,4.46,2.8,101,37,74,30,false,Buy,Add to core equity +1%,-1,6,BrokerB,VWAP,99,None,None,Normal monitoring,-39,6,68,5,false,Tax-aware sells next window
P4831,Cautious,Trust,USD,2025-03-19,645246,60836,584410,1.0,46.8,38.3,0.0,14.9,AMZN:14.2%;MSFT:20.2%;BRK.B:17.2%;TSLA:13.4%;AAPL:14.8%;MUB:20.2%,US:71.6;EU:5.1;APAC:12.6;EM:7.9;Other:2.9,Value:+0.7;Growth:+0.9;Quality:+0.4;Size:+0.6;Momentum:0.0;LowVol:+0.8,MaxPos7%;NoMargin,6,35,5.5,trailing 8%,98,19.4,Bear,26.5,3.28,2.6,220,-110,5,53,false,Rebalance,Shift +1% to bonds from equity,-13,-35,BrokerD,MKT,90,None,None,Normal monitoring,-14,18,-54,3,false,Increase defensive factor exposure
P4832,Opportunistic,Taxable,USD,2025-09-30,1563237,74760,1488477,1.0,76.3,12.3,5.2,6.2,MSFT:24.5%;BND:25.2%;GLD:25.2%;IEF:25.2%,US:68.4;EU:12.1;APAC:6.2;EM:9.3;Other:4.0,Value:+0.5;Growth:-0.1;Quality:+0.3;Size:-0.8;Momentum:+0.5;LowVol:-0.2,NoDerivatives,5,25,6.2,trailing 9%,187,30.4,Bull,14.9,4.4,2.5,101,55,66,55,false,Sell,Trim extended winner -1%,-2,14,BrokerB,MKT,88,None,None,Normal monitoring,-41,-2,49,3,false,Tax-aware sells next window
P4833,Systematic,Taxable,USD,2025-05-17,510349,33492,476857,1.0,62.6,24.8,3.2,9.5,VNQ:22.9%;MUB:22.9%;XLF:8.4%;BND:22.9%;MSFT:22.9%,US:66.0;EU:12.3;APAC:6.5;EM:14.2;Other:1.0,Value:-0.9;Growth:+0.2;Quality:-0.2;Size:-0.7;Momentum:-0.8;LowVol:0.0,MaxPos8%;NoDerivatives,7,35,4.0,trailing 9%,217,25.3,Bear,25.9,4.0,1.6,175,-47,22,75,true,Hedge,Buy index puts 1% notional,8,-38,BrokerD,LMT,100,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-50,-56,41,2,false,Tax-aware sells next window
P4834,Hands-off,Taxable,USD,2024-08-14,157926,8316,149610,1.0,70.0,22.7,1.1,6.1,VNQ:26.5%;TLT:26.5%;XLF:20.5%;VOO:26.5%,US:64.0;EU:14.8;APAC:10.1;EM:8.6;Other:2.5,Value:-0.7;Growth:+0.2;Quality:+0.8;Size:-0.2;Momentum:-0.4;LowVol:0.0,ESGOnly,8,25,5.8,trailing 8%,150,13.3,Bull,12.8,3.61,3.0,107,41,75,40,false,Sell,Trim extended winner -1%,19,-8,BrokerD,LMT,90,None,None,Normal monitoring,-59,-58,-9,4,false,Within IPS guidelines
P4835,Cautious,Trust,USD,2025-03-23,203863,26243,177620,1.0,44.1,42.9,2.1,10.9,IEF:26.0%;TLT:26.0%;BND:21.9%;MUB:26.0%,US:65.8;EU:16.6;APAC:8.3;EM:7.6;Other:1.6,Value:+0.6;Growth:-0.5;Quality:+0.2;Size:+0.3;Momentum:0.0;LowVol:-0.7,NoMargin,5,30,3.0,hard 10%,169,18.4,Sideways,19.0,4.55,2.9,110,56,92,51,false,Sell,Trim extended winner -1%,21,11,BrokerA,LMT,89,None,None,Normal monitoring,-6,18,58,3,false,Increase defensive factor exposure
P4836,Hands-off,Trust,USD,2025-12-10,548528,25220,523308,1.0,61.3,15.7,17.7,5.4,AMZN:33.3%;AAPL:33.3%;VTI:33.3%,US:57.2;EU:14.1;APAC:14.7;EM:9.5;Other:4.5,Value:-0.2;Growth:-0.5;Quality:+0.1;Size:+0.2;Momentum:-0.4;LowVol:+0.9,ESGOnly;NoDerivatives,5,35,4.3,hard 10%,137,19.8,Bear,23.6,4.09,2.2,146,31,74,56,false,Hedge,Add TLT +1% as duration hedge,26,-19,BrokerD,LMT,99,None,None,Normal monitoring,-8,-28,91,4,false,Monitor dispersion and breadth
P4837,Opportunistic,401k,USD,2025-07-30,851021,48972,802049,1.15,64.3,18.9,8.3,8.5,VNQ:17.9%;MSFT:13.6%;TSLA:22.5%;IEF:22.5%;AMZN:9.5%;VTI:14.1%,US:54.8;EU:20.5;APAC:10.1;EM:10.2;Other:4.4,Value:-0.6;Growth:+0.4;Quality:+0.7;Size:+0.6;Momentum:+0.1;LowVol:-0.7,,8,35,5.2,hard 12%,224,20.0,Bull,12.8,4.96,2.5,92,102,97,35,false,Rebalance,Shift +1% to bonds from equity,-14,-13,BrokerB,MKT,100,None,None,Normal monitoring,51,-39,139,5,false,Tighten stops on momentum names
P4838,Cautious,Trust,USD,2024-09-18,658803,86999,571804,1.0,36.3,36.3,11.7,15.7,AMZN:21.9%;BND:14.9%;HYG:21.9%;VOO:9.8%;MUB:9.6%;TLT:21.9%,US:64.3;EU:17.2;APAC:5.6;EM:9.3;Other:3.5,Value:-0.4;Growth:-0.9;Quality:+0.4;Size:+0.6;Momentum:-0.5;LowVol:-0.2,ESGOnly;MaxPos6%;NoMargin,8,30,4.7,trailing 8%,155,14.6,Volatile,28.3,5.25,3.4,123,-20,37,54,false,NoAction,Within bands; monitor,22,15,BrokerD,LMT,89,None,None,Normal monitoring,29,-45,71,3,false,Within IPS guidelines
P4839,Active,Roth,USD,2025-11-27,1249234,111689,1137545,1.0,68.1,19.9,4.2,7.9,VTI:21.4%;BND:9.7%;HYG:22.3%;MUB:23.3%;IEF:23.3%,US:74.2;EU:5.5;APAC:13.7;EM:3.8;Other:2.8,Value:+0.3;Growth:-0.1;Quality:+0.5;Size:+0.2;Momentum:-0.4;LowVol:+0.4,MaxPos8%,5,30,5.2,hard 12%,220,17.2,Volatile,30.5,5.27,3.5,131,33,77,75,true,Hedge,Buy index puts 1% notional,30,4,BrokerA,LMT,97,Drift>tolerance,Hedge,Allocation drift beyond policy bands,118,-15,107,5,false,Tax-aware sells next window
P4840,Opportunistic,Taxable,USD,2025-11-07,739592,61068,678524,1.0,69.6,19.6,3.0,7.8,VTI:33.3%;BND:33.3%;MUB:33.3%,US:65.0;EU:11.5;APAC:14.9;EM:8.2;Other:0.3,Value:0.0;Growth:-0.4;Quality:-0.1;Size:+0.2;Momentum:+0.4;LowVol:+0.3,MaxPos7%,7,35,4.5,trailing 7%,194,23.9,Bear,25.4,4.06,1.6,199,-70,5,70,false,Rebalance,Shift +1% to bonds from equity,-3,-12,BrokerC,LMT,89,None,None,Normal monitoring,93,-39,225,3,false,Within IPS guidelines
P4841,Opportunistic,IRA,USD,2025-03-01,1756148,95139,1661009,1.25,75.0,16.5,4.2,4.3,BRK.B:21.9%;GLD:21.9%;AMZN:18.6%;VOO:21.9%;XLF:15.7%,US:66.2;EU:8.1;APAC:16.8;EM:5.7;Other:3.3,Value:+0.1;Growth:-0.4;Quality:-0.1;Size:+0.5;Momentum:+0.3;LowVol:+0.3,NoDerivatives,8,25,6.9,trailing 9%,234,28.3,Bull,14.2,4.67,3.2,89,93,100,51,false,Rebalance,Shift +1% to bonds from equity,10,-5,BrokerD,VWAP,87,None,None,Normal monitoring,-39,-45,54,3,false,Within IPS guidelines
P4842,Active,Trust,USD,2025-09-05,2478496,271688,2206808,1.0,58.4,25.8,6.9,9.0,IEF:33.3%;BND:33.3%;QQQ:33.3%,US:64.0;EU:11.0;APAC:11.8;EM:9.4;Other:3.7,Value:-0.2;Growth:-0.1;Quality:+0.7;Size:+0.9;Momentum:+0.2;LowVol:+0.2,MaxPos8%,7,35,4.8,trailing 9%,152,19.8,Volatile,30.4,4.14,2.7,151,22,53,65,true,Reduce,"Cut high-beta by 2-3%, add cash",-2,7,BrokerC,LMT,89,VAR>budget,Hedge,Risk above budget threshold,-17,-37,-2,5,false,Increase defensive factor exposure
P4843,Hands-off,IRA,USD,2024-12-18,231351,12187,219164,1.0,65.2,26.1,2.2,6.5,GLD:22.2%;VTI:12.4%;MUB:23.1%;AAPL:19.2%;TLT:23.1%,US:61.8;EU:12.6;APAC:14.4;EM:8.7;Other:2.6,Value:-0.3;Growth:+0.8;Quality:-0.8;Size:-0.6;Momentum:-0.9;LowVol:-1.0,ESGOnly;MaxPos8%,5,30,3.6,trailing 10%,152,18.1,Sideways,16.3,3.64,2.5,110,56,84,48,false,Rebalance,Shift +1% to bonds from equity,-12,-5,BrokerC,MKT,99,None,None,Normal monitoring,-55,-5,-38,5,false,Within IPS guidelines
P4844,Hands-off,Roth,USD,2024-09-07,337816,20342,317474,1.0,64.8,27.5,0.0,7.7,XLF:13.1%;AMZN:23.0%;TSLA:10.9%;IEF:20.1%;MUB:17.3%;TLT:15.7%,US:66.5;EU:13.1;APAC:7.6;EM:8.0;Other:4.8,Value:-0.3;Growth:-1.0;Quality:+0.8;Size:-0.3;Momentum:-0.1;LowVol:+0.1,ESGOnly,8,30,5.9,trailing 8%,94,14.1,Bull,13.9,3.84,2.4,83,9,51,49,false,Sell,Trim extended winner -1%,20,-18,BrokerA,LMT,100,None,None,Normal monitoring,-6,-51,-15,5,false,Monitor dispersion and breadth
P4845,Opportunistic,IRA,USD,2024-08-06,1618568,109998,1508570,1.0,66.2,15.4,12.2,6.2,TSLA:27.0%;VOO:27.0%;VNQ:19.0%;HYG:27.0%,US:62.7;EU:16.4;APAC:8.5;EM:9.3;Other:3.1,Value:+0.3;Growth:-0.6;Quality:-0.9;Size:+0.3;Momentum:+0.4;LowVol:-0.2,MaxPos6%;NoDerivatives,6,30,6.0,trailing 7%,164,22.9,Volatile,25.0,3.8,3.6,169,-56,11,71,true,Rebalance,Rebalance back to target bands,-1,-20,BrokerC,LMT,97,VAR>budget,Reduce,Risk above budget threshold,16,-35,137,4,false,Tax-aware sells next window
P4846,Opportunistic,Trust,USD,2025-05-27,1533745,71845,1461900,1.08,68.2,12.2,14.4,5.3,VTI:25.0%;AAPL:25.0%;VOO:25.0%;GLD:25.0%,US:71.5;EU:6.0;APAC:8.1;EM:12.5;Other:1.9,Value:+0.6;Growth:-1.0;Quality:-0.3;Size:+0.9;Momentum:+0.3;LowVol:-0.5,,8,35,4.5,trailing 9%,179,24.6,Volatile,23.5,5.24,4.3,171,-50,38,68,false,Sell,Trim extended winner -1%,8,11,BrokerC,LMT,92,None,None,Normal monitoring,-41,-2,49,5,false,Monitor dispersion and breadth
P4847,Hands-off,401k,USD,2024-07-12,630403,41946,588457,1.0,62.0,16.5,13.6,7.9,AAPL:24.2%;XLF:25.3%;TSLA:25.3%;MSFT:25.3%,US:72.0;EU:10.0;APAC:8.9;EM:5.0;Other:4.2,Value:+0.9;Growth:+0.9;Quality:+0.2;Size:-0.9;Momentum:0.0;LowVol:+0.7,,5,35,3.4,trailing 8%,147,19.6,Bull,16.7,4.86,3.4,87,95,100,60,false,Sell,Trim extended winner -1%,5,-20,BrokerA,MKT,92,None,None,Normal monitoring,66,-17,73,4,false,Increase defensive factor exposure
P4848,Cautious,401k,USD,2025-06-15,366128,50307,315821,1.0,35.5,34.1,16.2,14.3,MUB:33.3%;BRK.B:33.3%;TSLA:33.3%,US:61.4;EU:11.0;APAC:11.6;EM:11.9;Other:4.0,Value:+0.1;Growth:-0.1;Quality:+0.1;Size:+0.2;Momentum:-0.6;LowVol:-0.9,ESGOnly;NoDerivatives;NoMargin,8,35,5.3,trailing 8%,123,16.1,Bull,11.6,4.76,3.1,117,29,72,17,false,Buy,Add to core equity +1%,7,-14,BrokerD,LMT,99,None,None,Normal monitoring,112,-1,216,3,false,Tighten stops on momentum names
P4849,Active,Roth,USD,2025-02-28,1240766,115845,1124921,1.0,66.3,18.6,8.2,6.9,BRK.B:15.2%;TLT:20.8%;XLF:19.3%;VTI:16.4%;HYG:20.8%;MSFT:7.4%,US:76.8;EU:6.2;APAC:5.2;EM:9.2;Other:2.5,Value:-0.1;Growth:-0.7;Quality:+1.0;Size:+0.2;Momentum:-0.6;LowVol:+0.7,MaxPos6%,8,25,4.1,hard 12%,129,25.1,Bear,25.9,4.33,2.9,188,-46,15,65,false,NoAction,Within bands; monitor,7,-23,BrokerD,LMT,98,None,None,Normal monitoring,1,7,73,4,false,Tighten stops on momentum names
P4850,Active,401k,USD,2025-06-21,1728311,200979,1527332,1.0,69.1,19.5,4.8,6.6,HYG:21.5%;BRK.B:9.4%;XLF:21.5%;MUB:16.6%;MSFT:13.9%;GLD:17.1%,US:76.9;EU:10.2;APAC:6.3;EM:6.1;Other:0.6,Value:+0.3;Growth:+0.2;Quality:-0.2;Size:-0.4;Momentum:+0.4;LowVol:-0.6,MaxPos7%,10,30,5.2,hard 12%,196,26.3,Bear,25.5,4.44,2.2,133,-63,24,82,true,Hedge,Buy index puts 1% notional,-14,-32,BrokerD,VWAP,97,VAR>budget,Reduce,Risk above budget threshold,28,-36,45,2,false,Tax-aware sells next window
P4851,Active,IRA,USD,2024-08-14,1967670,214420,1753250,1.0,64.8,25.3,1.8,8.1,QQQ:11.1%;AAPL:22.7%;GLD:22.7%;BRK.B:20.8%;VNQ:22.7%,US:64.0;EU:12.8;APAC:12.3;EM:8.5;Other:2.5,Value:-0.8;Growth:-0.0;Quality:-0.2;Size:+0.1;Momentum:-0.9;LowVol:-0.8,,7,25,5.4,trailing 9%,171,21.7,Bull,16.0,3.65,2.0,76,30,78,45,false,Hedge,Add TLT +1% as duration hedge,9,-17,BrokerA,LMT,93,None,None,Normal monitoring,5,-25,5,4,false,Increase defensive factor exposure
P4852,Active,IRA,USD,2025-04-25,1095636,129617,966019,1.0,53.0,19.4,18.8,8.8,TSLA:33.3%;HYG:33.3%;TLT:33.3%,US:63.0;EU:19.1;APAC:9.1;EM:8.0;Other:0.8,Value:+0.7;Growth:+0.5;Quality:+0.3;Size:0.0;Momentum:+0.4;LowVol:+0.2,MaxPos5%,6,35,4.1,trailing 9%,181,17.8,Volatile,27.3,4.64,3.0,118,23,54,57,false,Buy,Add to core equity +1%,19,-23,BrokerA,VWAP,85,None,None,Normal monitoring,-43,-13,-4,5,false,Tax-aware sells next window
P4853,Hands-off,401k,USD,2025-03-28,468722,23536,445186,1.0,63.1,27.2,2.8,6.9,MSFT:19.7%;VTI:22.0%;AAPL:8.6%;BRK.B:22.0%;VNQ:8.3%;GLD:19.4%,US:67.0;EU:6.4;APAC:13.6;EM:11.9;Other:1.1,Value:+0.9;Growth:+0.2;Quality:+0.2;Size:+0.7;Momentum:+0.1;LowVol:-0.1,ESGOnly;MaxPos8%;NoDerivatives,5,35,5.4,trailing 8%,114,14.8,Volatile,28.8,5.38,2.8,164,26,65,77,true,Hedge,Buy index puts 1% notional,2,-19,BrokerA,MKT,94,Drift>tolerance,Reduce,Allocation drift beyond policy bands,21,3,151,5,false,Tighten stops on momentum names
P4854,Systematic,Taxable,USD,2025-12-19,1050702,64288,986414,1.0,66.3,25.8,0.0,7.9,XLF:38.3%;MSFT:23.3%;HYG:38.3%,US:70.3;EU:10.8;APAC:9.6;EM:8.0;Other:1.3,Value:-0.8;Growth:-0.3;Quality:-0.8;Size:-0.3;Momentum:-0.4;LowVol:-0.8,,6,30,4.0,trailing 8%,196,21.2,Volatile,22.2,4.61,3.7,174,57,83,68,false,Buy,Add to core equity +1%,-14,-8,BrokerA,VWAP,93,None,None,Normal monitoring,91,-1,157,5,false,Monitor dispersion and breadth
P4855,Active,Roth,USD,2025-08-29,740626,81662,658964,1.0,66.7,28.3,0.0,5.0,TSLA:33.3%;MUB:33.3%;TLT:33.3%,US:71.6;EU:9.5;APAC:7.1;EM:7.9;Other:3.9,Value:-1.0;Growth:-0.2;Quality:-0.6;Size:-0.6;Momentum:-0.0;LowVol:+0.8,,5,30,5.3,trailing 9%,192,27.0,Sideways,17.3,4.57,3.0,133,0,39,49,false,Sell,Trim extended winner -1%,21,-13,BrokerC,MKT,92,None,None,Normal monitoring,74,-46,107,3,false,Monitor dispersion and breadth
P4856,Opportunistic,401k,USD,2024-11-03,1155634,72249,1083385,1.08,70.7,10.4,12.8,6.0,AAPL:28.9%;TSLA:28.9%;VOO:13.3%;MSFT:28.9%,US:60.5;EU:12.8;APAC:13.2;EM:12.4;Other:1.0,Value:-0.7;Growth:+0.1;Quality:+0.8;Size:+0.6;Momentum:-0.6;LowVol:-0.5,NoDerivatives,8,30,5.4,trailing 7%,170,24.7,Bear,30.5,3.79,2.3,158,-97,5,89,true,Hedge,Buy index puts 1% notional,-5,-20,BrokerA,MKT,96,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-32,-1,63,2,false,Increase defensive factor exposure
P4857,Active,Roth,USD,2024-08-03,1120253,108734,1011519,1.11,62.9,18.5,12.0,6.6,VOO:33.3%;AAPL:33.3%;TLT:33.3%,US:63.9;EU:10.1;APAC:10.9;EM:11.8;Other:3.3,Value:-0.9;Growth:-0.8;Quality:+0.8;Size:0.0;Momentum:+0.4;LowVol:+0.1,,5,30,5.7,trailing 8%,178,26.7,Bull,13.4,4.34,2.2,107,30,65,40,false,Hedge,Add TLT +1% as duration hedge,14,6,BrokerA,MKT,91,None,None,Normal monitoring,13,14,5,5,false,Tax-aware sells next window
P4858,Hands-off,Taxable,USD,2024-11-18,860161,80971,779190,1.0,55.9,16.4,18.1,9.7,BND:7.4%;VNQ:21.3%;QQQ:19.1%;MUB:21.3%;VOO:21.3%;HYG:9.5%,US:64.2;EU:17.7;APAC:10.7;EM:5.8;Other:1.6,Value:+0.1;Growth:+0.4;Quality:+0.2;Size:+0.8;Momentum:+0.9;LowVol:-0.6,MaxPos5%,7,35,3.9,hard 10%,120,14.0,Sideways,17.8,4.26,2.0,115,-4,55,41,false,Hedge,Add TLT +1% as duration hedge,-15,4,BrokerC,MKT,90,None,None,Normal monitoring,3,-7,80,4,false,Monitor dispersion and breadth
P4859,Hands-off,401k,USD,2025-02-08,878174,71195,806979,1.0,59.4,19.4,13.1,8.1,TLT:28.9%;VNQ:16.9%;TSLA:25.4%;HYG:28.9%,US:71.9;EU:12.7;APAC:8.1;EM:6.5;Other:0.9,Value:+0.3;Growth:-0.4;Quality:-0.7;Size:+0.5;Momentum:+0.2;LowVol:+0.4,ESGOnly;MaxPos7%,10,25,5.6,trailing 8%,155,18.1,Bear,29.2,3.68,2.6,168,-50,37,76,true,Reduce,"Cut high-beta by 2-3%, add cash",-10,7,BrokerD,LMT,91,Drift>tolerance,Pause,Allocation drift beyond policy bands,52,-17,164,2,false,Monitor dispersion and breadth
P4860,Active,Roth,USD,2025-06-24,2300827,189918,2110909,1.0,64.3,27.5,1.9,6.2,TLT:34.1%;XLF:34.1%;BND:31.9%,US:67.5;EU:9.7;APAC:10.5;EM:7.8;Other:4.4,Value:-0.4;Growth:-0.8;Quality:-0.3;Size:-0.2;Momentum:-0.6;LowVol:+0.2,MaxPos6%,10,25,5.9,trailing 8%,151,27.3,Bull,14.6,3.76,3.0,118,10,53,51,false,Hedge,Add TLT +1% as duration hedge,-2,-40,BrokerA,MKT,98,None,None,Normal monitoring,37,-20,26,3,false,Increase defensive factor exposure
P4861,Cautious,Trust,USD,2025-07-30,414527,35645,378882,1.0,48.3,39.7,0.0,12.1,VTI:8.7%;IEF:19.4%;TSLA:19.7%;AAPL:12.0%;BRK.B:20.1%;XLF:20.1%,US:73.3;EU:13.0;APAC:5.5;EM:8.0;Other:0.3,Value:-0.8;Growth:-0.1;Quality:+0.5;Size:+0.6;Momentum:+0.5;LowVol:+0.1,NoMargin,6,35,5.4,hard 10%,148,12.8,Bull,14.0,4.81,3.4,114,93,100,35,true,Hedge,Buy index puts 1% notional,-4,-24,BrokerD,VWAP,100,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-18,-5,-53,5,false,Tighten stops on momentum names
P4862,Opportunistic,Trust,USD,2024-11-10,1518555,103161,1415394,1.0,62.1,21.3,11.3,5.3,MSFT:21.9%;VTI:21.9%;IEF:15.3%;TSLA:8.3%;QQQ:21.9%;VNQ:10.8%,US:65.3;EU:16.4;APAC:9.2;EM:6.0;Other:3.2,Value:+0.9;Growth:0.0;Quality:+0.9;Size:-0.5;Momentum:+0.4;LowVol:-0.5,NoDerivatives,10,35,6.1,hard 12%,201,33.1,Volatile,24.4,4.75,3.8,144,50,69,76,true,Hedge,Buy index puts 1% notional,30,15,BrokerC,VWAP,86,VAR>budget,Reduce,Risk above budget threshold,-21,-54,96,4,false,Tighten stops on momentum names
P4863,Active,Roth,USD,2024-10-19,1818547,190700,1627847,1.0,65.6,21.4,4.9,8.1,IEF:33.3%;TLT:33.3%;TSLA:33.3%,US:60.9;EU:18.4;APAC:10.9;EM:7.8;Other:2.1,Value:+1.0;Growth:+0.4;Quality:-0.6;Size:-0.3;Momentum:-0.6;LowVol:-0.4,MaxPos7%,8,35,4.1,trailing 8%,182,26.3,Bull,14.5,4.61,2.3,96,115,100,53,false,NoAction,Within bands; monitor,13,5,BrokerB,LMT,85,None,None,Normal monitoring,35,-46,17,3,false,Tax-aware sells next window
P4864,Hands-off,Roth,USD,2025-06-03,445158,43660,401498,1.0,56.4,25.9,8.0,9.7,QQQ:21.0%;AMZN:21.0%;AAPL:14.9%;BRK.B:6.0%;IEF:20.1%;XLF:16.9%,US:59.4;EU:17.9;APAC:12.2;EM:9.0;Other:1.5,Value:+0.5;Growth:+0.8;Quality:+0.2;Size:-0.9;Momentum:+0.5;LowVol:-0.9,ESGOnly,10,30,5.5,trailing 8%,157,16.7,Bear,31.8,3.19,2.8,211,-86,5,85,true,Reduce,"Cut high-beta by 2-3%, add cash",25,-26,BrokerD,VWAP,90,VAR>budget,Reduce,Risk above budget threshold,-2,18,114,3,false,Increase defensive factor exposure
P4865,Cautious,IRA,USD,2024-08-21,520253,51624,468629,1.0,48.3,33.8,4.4,13.5,MSFT:29.3%;XLF:29.3%;BRK.B:19.1%;GLD:22.2%,US:59.2;EU:16.8;APAC:13.1;EM:10.4;Other:0.5,Value:+0.8;Growth:-0.6;Quality:+0.6;Size:-1.0;Momentum:+0.9;LowVol:-0.1,NoMargin,7,35,5.3,trailing 10%,140,19.0,Volatile,20.9,4.49,2.7,138,50,69,41,false,Buy,Add to core equity +1%,-7,7,BrokerA,MKT,95,None,None,Normal monitoring,-31,19,-55,3,false,Within IPS guidelines
P4866,Hands-off,Taxable,USD,2025-07-24,763543,62035,701508,1.0,62.2,16.8,12.8,8.1,TSLA:33.3%;BRK.B:33.3%;GLD:33.3%,US:69.6;EU:5.0;APAC:12.4;EM:9.2;Other:3.9,Value:+0.9;Growth:-0.9;Quality:-0.0;Size:+0.3;Momentum:0.0;LowVol:-0.1,,6,35,4.3,hard 10%,123,12.3,Bear,30.3,3.18,2.2,133,-37,42,79,true,Reduce,"Cut high-beta by 2-3%, add cash",-2,-19,BrokerB,LMT,90,RegimeShift,Reduce,Volatility spike and breadth deterioration,-34,16,62,4,false,Within IPS guidelines
P4867,Active,Trust,USD,2025-06-15,1560254,127512,1432742,1.0,50.0,30.6,9.7,9.7,TLT:33.3%;AMZN:33.3%;AAPL:33.3%,US:74.2;EU:9.1;APAC:7.8;EM:8.9;Other:0.0,Value:-0.9;Growth:+0.4;Quality:-0.4;Size:-0.7;Momentum:+0.1;LowVol:-0.2,NoDerivatives,6,35,4.8,trailing 9%,141,23.4,Bull,11.4,4.74,3.3,92,28,72,36,false,Buy,Add to core equity +1%,-3,-8,BrokerB,MKT,95,None,None,Normal monitoring,42,-57,6,4,false,Tax-aware sells next window
P4868,Cautious,Trust,USD,2024-09-04,599750,74101,525649,1.0,48.2,36.7,0.0,15.1,BRK.B:37.8%;MSFT:24.4%;TLT:37.8%,US:74.2;EU:7.2;APAC:13.9;EM:3.6;Other:1.2,Value:+0.2;Growth:-0.4;Quality:-0.5;Size:-0.9;Momentum:+0.2;LowVol:-0.1,NoDerivatives;NoMargin,6,30,4.1,trailing 8%,109,14.3,Bear,25.2,4.05,1.6,192,-14,53,59,false,Sell,Trim extended winner -1%,-15,7,BrokerB,MKT,95,None,None,Normal monitoring,67,-23,159,5,false,Monitor dispersion and breadth
P4869,Opportunistic,Taxable,USD,2025-03-19,1430606,79459,1351147,1.0,60.3,11.7,20.7,7.3,BND:28.1%;BRK.B:35.9%;GLD:35.9%,US:69.3;EU:10.3;APAC:8.0;EM:9.0;Other:3.5,Value:+0.3;Growth:+0.9;Quality:+0.5;Size:-0.3;Momentum:+0.5;LowVol:-0.3,,5,25,7.0,trailing 9%,236,22.7,Sideways,15.3,3.75,2.8,91,-30,45,52,false,Hedge,Add TLT +1% as duration hedge,-12,7,BrokerC,MKT,95,None,None,Normal monitoring,-5,-55,-1,3,false,Increase defensive factor exposure
P4870,Cautious,Trust,USD,2025-02-21,788576,120055,668521,1.0,35.7,35.4,12.7,16.1,QQQ:33.3%;AMZN:33.3%;VNQ:33.3%,US:70.0;EU:5.9;APAC:14.8;EM:7.7;Other:1.7,Value:-0.8;Growth:+0.2;Quality:-1.0;Size:-0.8;Momentum:+0.8;LowVol:+0.4,NoMargin,7,35,4.8,trailing 10%,143,12.2,Bull,17.7,4.29,2.9,79,20,70,29,false,Rebalance,Shift +1% to bonds from equity,5,-30,BrokerB,LMT,90,None,None,Normal monitoring,15,0,21,3,false,Increase defensive factor exposure
P4871,Active,Taxable,USD,2024-12-30,2167136,238645,1928491,1.0,62.1,29.5,0.0,8.3,MSFT:33.3%;XLF:33.3%;AAPL:33.3%,US:74.6;EU:6.9;APAC:7.5;EM:7.0;Other:4.0,Value:-0.1;Growth:+0.7;Quality:-0.2;Size:-0.4;Momentum:+0.4;LowVol:+0.4,MaxPos5%,6,25,5.6,trailing 9%,194,18.6,Volatile,20.8,5.46,2.4,129,-48,11,65,false,NoAction,Within bands; monitor,17,-8,BrokerB,LMT,96,None,None,Normal monitoring,-33,14,-54,5,false,Increase defensive factor exposure
P4872,Active,401k,USD,2025-02-11,1907646,178495,1729151,1.14,53.5,21.4,19.1,6.1,VOO:33.3%;AMZN:33.3%;VTI:33.3%,US:72.0;EU:6.7;APAC:8.2;EM:8.9;Other:4.2,Value:-0.1;Growth:+0.3;Quality:-0.1;Size:+0.6;Momentum:-0.7;LowVol:-0.5,NoDerivatives,7,30,5.7,hard 12%,121,21.7,Volatile,32.0,4.24,4.4,142,8,48,75,true,Reduce,"Cut high-beta by 2-3%, add cash",16,-6,BrokerB,LMT,96,Drift>tolerance,Hedge,Allocation drift beyond policy bands,58,4,43,4,true,Increase defensive factor exposure
P4873,Systematic,401k,USD,2024-12-02,881877,79878,801999,1.0,68.1,23.2,3.3,5.3,IEF:23.7%;VTI:25.4%;TSLA:25.4%;AMZN:25.4%,US:70.3;EU:18.3;APAC:6.6;EM:4.3;Other:0.5,Value:+0.5;Growth:+0.1;Quality:+1.0;Size:-0.0;Momentum:-0.0;LowVol:-0.2,,10,25,5.4,trailing 9%,151,27.9,Bull,14.0,3.61,3.0,84,70,95,46,false,Buy,Add to core equity +1%,-13,6,BrokerC,VWAP,86,None,None,Normal monitoring,-16,-43,98,5,false,Tax-aware sells next window
P4874,Hands-off,401k,USD,2025-10-22,816151,41965,774186,1.0,55.2,17.6,18.5,8.8,TLT:17.6%;BND:17.9%;HYG:15.8%;VNQ:10.5%;VTI:16.0%;GLD:22.2%,US:68.6;EU:14.6;APAC:7.9;EM:7.9;Other:1.0,Value:-0.1;Growth:+0.2;Quality:-0.6;Size:-0.3;Momentum:-0.0;LowVol:+0.8,,6,25,4.8,hard 10%,109,19.2,Bull,13.0,4.6,3.2,95,62,90,35,false,Rebalance,Shift +1% to bonds from equity,-11,5,BrokerD,LMT,91,None,None,Normal monitoring,-19,-3,62,5,false,Tax-aware sells next window
P4875,Systematic,Roth,USD,2025-11-15,1645388,137327,1508061,1.0,65.3,24.0,0.9,9.9,BND:17.3%;QQQ:23.4%;HYG:14.8%;MSFT:23.4%;IEF:21.2%,US:65.5;EU:10.4;APAC:10.5;EM:11.9;Other:1.7,Value:-0.4;Growth:-0.6;Quality:+0.9;Size:+0.1;Momentum:-0.6;LowVol:-0.2,,10,30,5.1,trailing 9%,148,17.0,Volatile,23.6,3.61,4.0,176,47,73,66,false,Buy,Add to core equity +1%,-3,10,BrokerC,VWAP,92,None,None,Normal monitoring,-41,18,93,3,false,Increase defensive factor exposure
P4876,Systematic,Taxable,USD,2025-03-22,1149243,114540,1034703,1.0,57.4,34.5,0.6,7.5,TSLA:22.2%;BRK.B:20.6%;VTI:13.0%;VOO:21.9%;AAPL:22.2%,US:72.4;EU:10.2;APAC:6.5;EM:9.8;Other:1.0,Value:+0.7;Growth:-0.6;Quality:+0.8;Size:-1.0;Momentum:+0.8;LowVol:-0.3,NoDerivatives,5,25,5.8,trailing 8%,230,24.7,Bear,24.6,3.92,1.6,165,39,61,54,false,Sell,Trim extended winner -1%,3,-15,BrokerC,LMT,85,None,None,Normal monitoring,112,-45,137,3,false,Monitor dispersion and breadth
P4877,Cautious,IRA,USD,2025-09-12,325846,50787,275059,1.0,52.7,33.3,1.1,13.0,BND:28.8%;QQQ:28.8%;AMZN:28.8%;TLT:13.6%,US:62.2;EU:12.5;APAC:12.3;EM:12.0;Other:1.0,Value:-0.5;Growth:-0.4;Quality:+0.4;Size:-0.9;Momentum:-0.8;LowVol:-0.5,MaxPos7%;NoMargin,5,35,3.5,trailing 8%,128,15.4,Bull,11.2,3.81,3.1,89,23,64,25,false,Hedge,Add TLT +1% as duration hedge,10,-39,BrokerC,MKT,91,None,None,Normal monitoring,15,11,103,4,false,Tax-aware sells next window
P4878,Hands-off,401k,USD,2025-04-17,289694,21994,267700,1.0,68.9,23.0,0.0,8.0,QQQ:21.7%;XLF:21.7%;BND:12.3%;BRK.B:10.7%;AMZN:21.7%;VOO:11.9%,US:62.7;EU:15.4;APAC:12.6;EM:7.7;Other:1.5,Value:+0.6;Growth:+0.5;Quality:+0.7;Size:-0.9;Momentum:+0.8;LowVol:+0.1,ESGOnly,7,30,4.9,trailing 8%,151,18.8,Sideways,18.1,3.94,2.8,127,-15,28,52,false,NoAction,Within bands; monitor,-6,-6,BrokerA,LMT,97,None,None,Normal monitoring,74,-37,70,5,false,Tax-aware sells next window
P4879,Hands-off,401k,USD,2025-11-08,844759,75232,769527,1.0,59.1,28.8,3.1,8.9,HYG:33.3%;TSLA:33.3%;AAPL:33.3%,US:71.2;EU:13.5;APAC:9.4;EM:3.7;Other:2.1,Value:-0.0;Growth:+0.5;Quality:+0.9;Size:-0.8;Momentum:+0.1;LowVol:-1.0,ESGOnly;MaxPos6%,6,30,4.5,trailing 8%,167,14.7,Bull,17.5,4.98,2.1,117,63,73,40,false,Buy,Add to core equity +1%,10,3,BrokerC,LMT,98,None,None,Normal monitoring,74,-38,206,3,false,Within IPS guidelines
P4880,Opportunistic,IRA,USD,2025-09-13,421380,17015,404365,1.0,66.7,16.5,12.1,4.7,GLD:23.8%;XLF:38.1%;VNQ:38.1%,US:67.7;EU:11.8;APAC:5.8;EM:10.3;Other:4.5,Value:+0.6;Growth:-0.1;Quality:+0.4;Size:+0.9;Momentum:-0.3;LowVol:-0.4,NoDerivatives,5,35,5.0,trailing 7%,240,27.9,Volatile,21.9,4.4,2.5,126,48,81,68,false,Rebalance,Shift +1% to bonds from equity,25,-2,BrokerB,LMT,92,None,None,Normal monitoring,94,-17,92,4,false,Monitor dispersion and breadth
P4881,Hands-off,Trust,USD,2024-12-02,576999,44281,532718,1.0,65.0,16.1,11.1,7.8,XLF:26.5%;TSLA:28.7%;TLT:16.2%;AMZN:28.7%,US:62.7;EU:7.4;APAC:13.2;EM:13.1;Other:3.6,Value:+0.7;Growth:+1.0;Quality:-0.9;Size:+0.4;Momentum:-0.8;LowVol:-0.6,ESGOnly,5,30,5.5,trailing 8%,104,17.9,Volatile,23.6,3.57,2.9,161,-46,25,65,false,Rebalance,Shift +1% to bonds from equity,15,-4,BrokerA,LMT,90,None,None,Normal monitoring,36,-51,40,5,false,Tax-aware sells next window
P4882,Hands-off,401k,USD,2025-02-08,177158,10739,166419,1.0,66.3,24.5,0.0,9.1,VOO:27.5%;BRK.B:27.5%;HYG:17.4%;QQQ:27.5%,US:67.6;EU:12.0;APAC:12.4;EM:3.9;Other:4.2,Value:-0.6;Growth:-0.8;Quality:-0.6;Size:-0.5;Momentum:+0.2;LowVol:+0.7,MaxPos7%;NoDerivatives,8,25,4.8,trailing 10%,163,13.0,Bull,14.7,4.45,3.0,96,106,100,47,false,Buy,Add to core equity +1%,21,12,BrokerB,MKT,85,None,None,Normal monitoring,-9,-23,69,4,false,Tighten stops on momentum names
P4883,Systematic,Trust,USD,2025-02-12,781874,53780,728094,1.0,56.6,29.3,9.2,5.0,QQQ:8.2%;BRK.B:9.9%;TSLA:22.6%;GLD:22.6%;AMZN:14.0%;XLF:22.6%,US:69.0;EU:10.6;APAC:10.4;EM:9.9;Other:0.0,Value:-0.9;Growth:+0.8;Quality:+0.4;Size:+0.5;Momentum:+0.6;LowVol:-0.2,MaxPos7%;NoDerivatives,7,25,5.4,trailing 9%,161,24.0,Volatile,25.5,5.29,2.2,163,-56,19,71,true,Reduce,"Cut high-beta by 2-3%, add cash",-6,-24,BrokerB,VWAP,97,VAR>budget,Reduce,Risk above budget threshold,65,-41,185,4,false,Increase defensive factor exposure
P4884,Active,Taxable,USD,2025-02-21,1002824,116593,886231,1.0,51.9,27.9,15.0,5.3,VTI:33.3%;MSFT:33.3%;BRK.B:33.3%,US:68.0;EU:16.6;APAC:7.4;EM:5.8;Other:2.2,Value:+0.4;Growth:+0.2;Quality:-0.9;Size:-0.6;Momentum:-0.1;LowVol:+0.6,,6,25,5.8,trailing 8%,158,27.0,Bear,25.4,3.41,2.0,220,-7,31,64,false,Rebalance,Shift +1% to bonds from equity,-3,4,BrokerB,MKT,97,None,None,Normal monitoring,45,2,78,5,false,Tighten stops on momentum names
P4885,Opportunistic,IRA,USD,2024-11-16,988904,55596,933308,1.0,69.5,20.3,4.5,5.7,TSLA:21.7%;AMZN:24.1%;IEF:15.0%;VNQ:15.1%;QQQ:24.1%,US:75.2;EU:15.0;APAC:5.7;EM:3.8;Other:0.3,Value:-1.0;Growth:+0.9;Quality:+0.4;Size:+0.7;Momentum:+0.1;LowVol:-0.8,MaxPos7%,5,30,6.0,trailing 7%,234,30.3,Bull,16.1,3.54,3.0,103,119,100,54,false,Buy,Add to core equity +1%,34,-24,BrokerA,LMT,100,None,None,Normal monitoring,-58,-35,40,5,false,Increase defensive factor exposure
P4886,Active,Trust,USD,2025-11-17,2364905,147413,2217492,1.0,63.3,28.7,0.0,8.0,MSFT:22.9%;TLT:22.9%;BND:22.8%;VOO:17.7%;TSLA:13.7%,US:69.1;EU:9.5;APAC:5.9;EM:12.4;Other:3.1,Value:-0.0;Growth:-0.2;Quality:+0.1;Size:+0.4;Momentum:+0.6;LowVol:-0.7,,5,25,5.0,trailing 9%,153,20.1,Sideways,18.5,3.88,3.3,119,11,44,53,false,Rebalance,Shift +1% to bonds from equity,-4,-8,BrokerC,MKT,87,None,None,Normal monitoring,111,8,180,3,false,Increase defensive factor exposure
P4887,Hands-off,Taxable,USD,2024-12-08,374876,34811,340065,1.0,56.2,28.5,5.9,9.5,MSFT:26.4%;MUB:26.4%;TSLA:26.4%;HYG:20.8%,US:62.1;EU:8.2;APAC:12.5;EM:11.6;Other:5.5,Value:-0.3;Growth:-0.7;Quality:+0.9;Size:-0.8;Momentum:-0.1;LowVol:-0.5,ESGOnly;MaxPos6%;NoDerivatives,7,30,3.1,hard 10%,135,15.5,Volatile,26.0,3.63,3.0,170,48,66,58,false,Sell,Trim extended winner -1%,-5,-39,BrokerD,MKT,89,None,None,Normal monitoring,-11,5,95,5,false,Within IPS guidelines
P4888,Hands-off,Roth,USD,2025-07-08,720708,58195,662513,1.0,64.2,27.3,0.0,8.5,AMZN:21.1%;AAPL:29.9%;BRK.B:28.6%;VOO:20.4%,US:73.4;EU:8.0;APAC:12.2;EM:4.3;Other:2.2,Value:+0.2;Growth:-0.8;Quality:-0.6;Size:+0.2;Momentum:+0.7;LowVol:+0.4,MaxPos6%,10,30,4.2,trailing 10%,145,12.7,Volatile,27.0,3.56,3.1,162,18,65,80,true,Reduce,"Cut high-beta by 2-3%, add cash",25,-22,BrokerD,MKT,92,Drift>tolerance,Hedge,Allocation drift beyond policy bands,112,-27,245,5,false,Increase defensive factor exposure
P4889,Cautious,401k,USD,2024-08-08,833276,87140,746136,1.0,39.7,43.0,0.0,17.2,TSLA:16.7%;GLD:21.4%;BND:21.6%;HYG:21.6%;TLT:18.7%,US:65.7;EU:21.8;APAC:7.4;EM:3.8;Other:1.2,Value:-0.4;Growth:+0.5;Quality:-0.3;Size:+0.9;Momentum:-0.6;LowVol:+0.9,ESGOnly;NoMargin,6,35,3.6,trailing 10%,118,16.3,Sideways,20.7,3.8,3.2,108,34,68,46,false,Buy,Add to core equity +1%,-6,-21,BrokerD,LMT,85,None,None,Normal monitoring,-13,-9,-53,3,false,Within IPS guidelines
P4890,Opportunistic,Trust,USD,2024-07-23,461527,35430,426097,1.0,69.9,14.9,10.4,4.8,VOO:26.4%;MSFT:17.1%;MUB:15.9%;BND:26.4%;AMZN:14.2%,US:69.9;EU:7.5;APAC:14.1;EM:5.1;Other:3.3,Value:+0.8;Growth:+0.7;Quality:-0.5;Size:-0.0;Momentum:-0.5;LowVol:+0.7,,6,35,5.2,trailing 9%,260,33.1,Sideways,15.7,4.25,3.3,130,6,42,61,false,Buy,Add to core equity +1%,-3,-3,BrokerD,MKT,91,None,None,Normal monitoring,40,16,44,4,false,Within IPS guidelines
P4891,Hands-off,Roth,USD,2025-09-25,794942,34245,760697,1.0,60.1,21.2,12.5,6.1,XLF:13.2%;VOO:22.3%;BND:8.8%;HYG:22.3%;AAPL:22.3%;VNQ:10.9%,US:65.2;EU:17.3;APAC:5.0;EM:10.4;Other:2.1,Value:+0.5;Growth:-0.2;Quality:+0.3;Size:-0.4;Momentum:-0.2;LowVol:-0.6,,6,30,4.0,trailing 8%,120,12.8,Sideways,21.0,4.24,3.3,101,45,75,61,false,Hedge,Add TLT +1% as duration hedge,-5,-11,BrokerD,MKT,94,None,None,Normal monitoring,71,-27,84,5,false,Tax-aware sells next window
P4892,Systematic,IRA,USD,2025-06-15,1904322,143877,1760445,1.0,69.6,24.7,0.0,5.7,HYG:22.0%;BND:22.0%;QQQ:22.0%;BRK.B:12.0%;AMZN:22.0%,US:66.7;EU:18.6;APAC:8.8;EM:3.3;Other:2.6,Value:-0.3;Growth:+0.9;Quality:+0.1;Size:-0.6;Momentum:+0.4;LowVol:+0.4,MaxPos5%,7,25,5.7,trailing 8%,162,24.4,Bull,15.8,4.93,2.5,97,4,59,62,false,Rebalance,Shift +1% to bonds from equity,3,-27,BrokerA,MKT,89,None,None,Normal monitoring,30,-58,110,4,false,Tax-aware sells next window
P4893,Active,Trust,USD,2024-12-04,1171349,106903,1064446,1.0,59.1,23.7,8.9,8.3,QQQ:33.3%;TSLA:33.3%;VOO:33.3%,US:67.2;EU:10.9;APAC:10.0;EM:8.1;Other:3.7,Value:+1.0;Growth:-0.5;Quality:-1.0;Size:-0.8;Momentum:+0.2;LowVol:-0.6,MaxPos7%,7,30,4.4,trailing 8%,123,26.0,Bull,11.7,4.73,2.7,106,65,85,40,false,Buy,Add to core equity +1%,-11,6,BrokerA,MKT,86,None,None,Normal monitoring,-6,14,122,5,false,Within IPS guidelines
P4894,Systematic,401k,USD,2025-05-26,1825033,181342,1643691,1.0,57.8,25.1,8.5,8.7,AMZN:26.5%;VNQ:26.5%;BND:26.5%;TLT:20.4%,US:64.3;EU:15.5;APAC:12.3;EM:6.7;Other:1.3,Value:-0.0;Growth:+0.2;Quality:-0.2;Size:+0.6;Momentum:+0.4;LowVol:-0.0,NoDerivatives,7,25,4.4,trailing 8%,220,20.5,Volatile,31.8,3.95,2.4,146,51,75,70,false,Rebalance,Shift +1% to bonds from equity,24,-4,BrokerB,LMT,90,None,None,Normal monitoring,64,-14,177,3,false,Monitor dispersion and breadth
P4895,Cautious,401k,USD,2024-11-21,751751,99468,652283,1.0,43.6,40.2,0.0,16.2,BND:27.9%;AAPL:27.9%;VTI:27.9%;QQQ:16.2%,US:68.4;EU:13.6;APAC:9.8;EM:7.6;Other:0.5,Value:-0.3;Growth:+0.1;Quality:-0.6;Size:-0.1;Momentum:+0.7;LowVol:+0.3,ESGOnly;NoMargin,5,25,3.9,trailing 10%,106,15.9,Sideways,16.2,4.02,3.1,107,-27,31,48,false,Sell,Trim extended winner -1%,29,-33,BrokerB,LMT,99,None,None,Normal monitoring,-57,14,50,4,false,Monitor dispersion and breadth
P4896,Cautious,Trust,USD,2025-02-16,678136,83061,595075,1.0,38.2,33.4,17.0,11.4,VTI:25.0%;GLD:23.8%;AAPL:25.6%;MSFT:25.6%,US:66.4;EU:7.2;APAC:12.3;EM:11.0;Other:3.1,Value:-0.1;Growth:-0.9;Quality:+0.9;Size:+0.1;Momentum:+0.6;LowVol:+0.2,MaxPos7%;NoMargin,6,35,3.5,trailing 8%,118,13.5,Sideways,15.5,3.61,3.2,139,-13,32,41,false,Buy,Add to core equity +1%,-12,-24,BrokerB,MKT,87,None,None,Normal monitoring,99,14,157,3,false,Tax-aware sells next window
P4897,Hands-off,Roth,USD,2025-03-29,343274,14517,328757,1.0,68.3,25.6,0.0,6.1,QQQ:26.8%;AMZN:26.8%;MSFT:26.8%;IEF:19.6%,US:68.2;EU:14.0;APAC:9.0;EM:8.0;Other:0.8,Value:+0.3;Growth:+0.7;Quality:-0.9;Size:-0.0;Momentum:-0.2;LowVol:-0.7,ESGOnly,5,30,3.2,hard 10%,148,16.5,Volatile,30.4,5.38,2.4,149,-55,26,75,true,Hedge,Buy index puts 1% notional,-13,-4,BrokerD,MKT,89,Drift>tolerance,Hedge,Allocation drift beyond policy bands,108,-41,198,4,false,Tax-aware sells next window
P4898,Cautious,Taxable,USD,2025-12-19,760366,99493,660873,1.0,49.8,38.7,0.0,11.5,MUB:33.3%;AAPL:33.3%;XLF:33.3%,US:76.3;EU:7.2;APAC:9.5;EM:5.1;Other:1.8,Value:-0.1;Growth:+0.4;Quality:-0.1;Size:+0.8;Momentum:-0.5;LowVol:-0.9,ESGOnly;MaxPos8%;NoDerivatives;NoMargin,6,30,3.4,trailing 8%,121,12.9,Volatile,26.9,4.93,3.1,170,0,60,70,false,Rebalance,Shift +1% to bonds from equity,26,-28,BrokerC,LMT,95,None,None,Normal monitoring,73,2,161,5,false,Increase defensive factor exposure
P4899,Hands-off,Roth,USD,2025-04-14,509007,48400,460607,1.0,62.2,15.8,15.5,6.5,BND:33.3%;XLF:33.3%;IEF:33.3%,US:67.2;EU:17.7;APAC:5.2;EM:7.9;Other:2.1,Value:-0.9;Growth:+0.8;Quality:-0.6;Size:-0.9;Momentum:+0.5;LowVol:-0.4,ESGOnly,6,30,4.2,trailing 8%,136,19.5,Bear,33.8,3.93,1.2,143,-49,30,93,true,Reduce,"Cut high-beta by 2-3%, add cash",-12,-40,BrokerB,LMT,98,VAR>budget,Reduce,Risk above budget threshold,40,7,67,4,false,Tax-aware sells next window
P4900,Hands-off,401k,USD,2025-07-17,397281,38811,358470,1.0,65.2,24.3,4.4,6.0,AMZN:17.4%;IEF:21.6%;GLD:24.8%;VNQ:22.7%;BRK.B:13.4%,US:70.7;EU:6.5;APAC:11.2;EM:8.8;Other:2.7,Value:+0.5;Growth:-0.3;Quality:+0.8;Size:-1.0;Momentum:-0.5;LowVol:+0.5,NoDerivatives,6,25,5.5,trailing 8%,103,18.1,Bear,26.9,3.59,2.1,155,-57,11,67,false,Sell,Trim extended winner -1%,23,-6,BrokerB,VWAP,94,None,None,Normal monitoring,92,-1,56,4,false,Monitor dispersion and breadth
P4901,Systematic,401k,USD,2024-08-06,783939,49094,734845,1.0,61.3,29.5,0.0,9.1,GLD:10.9%;VOO:21.4%;MSFT:19.5%;MUB:12.3%;TLT:14.5%;AMZN:21.4%,US:60.1;EU:15.8;APAC:13.5;EM:8.0;Other:2.6,Value:-0.2;Growth:-0.4;Quality:-0.5;Size:+0.5;Momentum:-0.8;LowVol:+0.5,NoDerivatives,10,30,5.5,trailing 8%,136,21.8,Volatile,29.4,5.35,3.2,146,25,55,83,true,Reduce,"Cut high-beta by 2-3%, add cash",35,-1,BrokerA,MKT,85,VAR>budget,TightenStops,Risk above budget threshold,92,-28,175,3,false,Within IPS guidelines
P4902,Hands-off,Trust,USD,2024-09-14,504183,22807,481376,1.0,71.1,19.7,0.0,9.2,MUB:21.2%;VNQ:9.3%;QQQ:19.9%;VTI:15.1%;AAPL:14.8%;VOO:19.6%,US:58.1;EU:18.0;APAC:14.2;EM:6.7;Other:3.0,Value:+0.3;Growth:+0.3;Quality:-0.2;Size:-0.0;Momentum:-0.8;LowVol:-0.6,ESGOnly;MaxPos6%,6,25,4.1,trailing 8%,127,14.6,Volatile,30.7,4.3,3.0,150,73,72,89,true,Reduce,"Cut high-beta by 2-3%, add cash",0,-2,BrokerA,VWAP,85,VAR>budget,Hedge,Risk above budget threshold,-54,-39,70,4,false,Tighten stops on momentum names
P4903,Hands-off,Roth,USD,2024-09-18,678180,48633,629547,1.0,62.7,27.5,3.3,6.5,TLT:30.5%;VTI:34.8%;AMZN:34.8%,US:68.3;EU:13.0;APAC:12.3;EM:6.1;Other:0.3,Value:-0.2;Growth:+0.8;Quality:-0.9;Size:+0.5;Momentum:+0.2;LowVol:-0.1,NoDerivatives,10,25,4.5,trailing 8%,139,13.7,Sideways,21.1,4.77,2.0,113,4,41,56,true,Rebalance,Rebalance back to target bands,-15,15,BrokerB,LMT,85,VAR>budget,TightenStops,Risk above budget threshold,35,-54,130,4,false,Within IPS guidelines
P4904,Active,Roth,USD,2024-12-03,616847,38885,577962,1.19,60.5,22.3,10.3,7.0,QQQ:11.5%;XLF:22.3%;HYG:22.3%;AMZN:14.9%;VTI:8.9%;VNQ:20.1%,US:58.5;EU:17.4;APAC:13.5;EM:7.4;Other:3.2,Value:-0.5;Growth:+0.1;Quality:+0.4;Size:+0.5;Momentum:-0.2;LowVol:-0.8,,8,25,5.6,trailing 9%,215,20.7,Sideways,15.7,3.76,2.7,109,38,83,48,false,Rebalance,Shift +1% to bonds from equity,-4,0,BrokerD,LMT,86,None,None,Normal monitoring,-24,-49,-2,4,false,Within IPS guidelines
P4905,Opportunistic,Trust,USD,2024-07-08,1614383,83452,1530931,1.0,65.6,17.2,11.2,6.0,GLD:33.3%;AMZN:33.3%;TLT:33.3%,US:59.5;EU:12.7;APAC:11.7;EM:11.3;Other:4.8,Value:-0.4;Growth:+0.4;Quality:-0.9;Size:-0.3;Momentum:+0.9;LowVol:+0.2,MaxPos6%,6,30,5.9,trailing 7%,269,33.0,Volatile,27.3,4.51,3.7,159,-15,35,81,true,Hedge,Buy index puts 1% notional,17,3,BrokerB,MKT,93,VAR>budget,Hedge,Risk above budget threshold,54,-59,31,3,true,Tighten stops on momentum names
P4906,Cautious,Trust,USD,2024-12-06,490037,65377,424660,1.0,47.0,31.2,11.3,10.5,VTI:8.4%;IEF:15.2%;AMZN:19.3%;BRK.B:20.4%;GLD:20.4%;HYG:16.4%,US:70.0;EU:8.6;APAC:12.3;EM:6.8;Other:2.3,Value:+0.3;Growth:-0.2;Quality:-0.9;Size:+0.7;Momentum:+0.7;LowVol:-0.1,ESGOnly;NoDerivatives;NoMargin,8,25,4.5,hard 10%,111,16.5,Bull,13.4,4.78,2.6,111,116,97,45,false,Sell,Trim extended winner -1%,7,-38,BrokerC,MKT,92,None,None,Normal monitoring,10,-58,-29,4,false,Increase defensive factor exposure
P4907,Opportunistic,IRA,USD,2024-07-09,329800,25926,303874,1.0,69.9,13.0,8.2,8.9,AAPL:33.3%;HYG:33.3%;VOO:33.3%,US:68.1;EU:17.4;APAC:5.4;EM:4.3;Other:5.0,Value:-0.0;Growth:+1.0;Quality:-0.2;Size:-0.9;Momentum:-0.1;LowVol:+0.7,,10,25,4.5,trailing 7%,275,24.1,Sideways,18.4,4.99,2.2,130,7,59,58,false,Sell,Trim extended winner -1%,-15,-16,BrokerD,LMT,97,None,None,Normal monitoring,-36,-46,8,4,false,Increase defensive factor exposure
P4908,Opportunistic,Trust,USD,2025-08-17,1593392,115553,1477839,1.24,71.0,16.0,8.5,4.4,MSFT:25.0%;VOO:25.0%;HYG:25.0%;MUB:25.0%,US:75.5;EU:7.5;APAC:8.9;EM:4.8;Other:3.3,Value:-0.2;Growth:-0.7;Quality:-0.8;Size:+0.4;Momentum:+0.1;LowVol:-0.4,MaxPos5%,5,30,4.3,hard 12%,235,31.4,Sideways,17.9,3.9,3.1,99,7,56,59,false,Rebalance,Shift +1% to bonds from equity,32,-18,BrokerB,MKT,91,None,None,Normal monitoring,11,-47,-15,5,false,Increase defensive factor exposure
P4909,Cautious,IRA,USD,2025-07-12,357324,41150,316174,1.0,37.9,32.9,17.9,11.3,VOO:20.3%;BND:18.3%;VNQ:9.2%;BRK.B:10.8%;XLF:20.7%;VTI:20.7%,US:59.4;EU:20.1;APAC:7.0;EM:12.1;Other:1.4,Value:-0.7;Growth:+0.7;Quality:-0.6;Size:-0.3;Momentum:-0.0;LowVol:-0.8,ESGOnly;NoMargin,6,25,4.9,hard 10%,150,16.4,Bull,15.2,4.59,2.7,84,88,100,40,false,Rebalance,Shift +1% to bonds from equity,12,2,BrokerD,MKT,87,None,None,Normal monitoring,30,-30,98,3,false,Monitor dispersion and breadth
P4910,Active,Taxable,USD,2025-09-09,654238,59261,594977,1.0,55.2,28.7,8.7,7.4,AMZN:34.6%;BND:30.8%;IEF:34.6%,US:78.2;EU:6.5;APAC:5.8;EM:8.5;Other:1.0,Value:+0.9;Growth:-0.0;Quality:-0.8;Size:-0.3;Momentum:-0.9;LowVol:+0.7,NoDerivatives,8,35,5.9,trailing 9%,168,23.9,Volatile,28.4,3.5,3.8,171,-53,29,65,false,Rebalance,Shift +1% to bonds from equity,9,12,BrokerA,LMT,99,None,None,Normal monitoring,26,-52,150,4,false,Within IPS guidelines
P4911,Cautious,Taxable,USD,2025-03-03,588516,68298,520218,1.0,50.8,35.3,0.0,13.9,BND:33.3%;IEF:33.3%;VOO:33.3%,US:64.6;EU:18.5;APAC:10.0;EM:6.1;Other:0.8,Value:-0.8;Growth:+0.4;Quality:-0.2;Size:+0.1;Momentum:-0.1;LowVol:+0.9,MaxPos7%;NoMargin,6,30,5.1,trailing 8%,141,13.8,Volatile,26.8,4.73,3.7,157,62,74,68,false,Buy,Add to core equity +1%,-7,-35,BrokerA,LMT,95,None,None,Normal monitoring,69,-34,200,4,false,Increase defensive factor exposure
P4912,Hands-off,Taxable,USD,2025-05-16,212742,13522,199220,1.0,64.5,22.8,2.9,9.8,VNQ:9.1%;AMZN:14.9%;VOO:20.6%;TLT:20.6%;HYG:19.4%;MSFT:15.4%,US:66.9;EU:11.0;APAC:12.3;EM:5.9;Other:3.9,Value:+0.6;Growth:-0.2;Quality:+0.1;Size:-0.4;Momentum:+0.4;LowVol:-0.3,ESGOnly;MaxPos8%;NoDerivatives,5,35,4.6,trailing 8%,139,15.5,Bull,15.4,4.9,2.5,94,52,62,47,false,NoAction,Within bands; monitor,18,10,BrokerB,LMT,91,None,None,Normal monitoring,74,-41,175,3,false,Increase defensive factor exposure
P4913,Hands-off,Trust,USD,2024-12-15,729353,30927,698426,1.0,65.5,29.0,0.0,5.5,AMZN:20.5%;GLD:19.2%;TSLA:20.5%;VNQ:14.0%;AAPL:20.5%;TLT:5.3%,US:56.6;EU:19.2;APAC:8.0;EM:12.1;Other:4.1,Value:0.0;Growth:+0.1;Quality:-0.4;Size:+0.8;Momentum:-0.4;LowVol:-0.6,,5,25,3.2,hard 10%,162,13.1,Bull,15.8,4.42,2.6,77,76,93,52,false,NoAction,Within bands; monitor,22,-21,BrokerA,MKT,0,None,None,Normal monitoring,20,-44,145,5,false,Tighten stops on momentum names
P4914,Active,Trust,USD,2024-08-07,1065755,73007,992748,1.0,56.5,23.1,13.8,6.6,BRK.B:23.0%;IEF:11.0%;BND:23.0%;MUB:20.1%;HYG:23.0%,US:60.0;EU:17.0;APAC:8.8;EM:9.9;Other:4.3,Value:-0.6;Growth:+0.1;Quality:-0.2;Size:+0.2;Momentum:-0.6;LowVol:+0.9,,10,25,5.8,trailing 8%,215,19.2,Bull,16.2,3.72,3.3,114,21,51,39,false,Rebalance,Shift +1% to bonds from equity,-1,-18,BrokerA,MKT,89,None,None,Normal monitoring,70,5,179,4,false,Tighten stops on momentum names
P4915,Opportunistic,Roth,USD,2025-01-04,546881,16408,530473,1.0,62.8,13.9,16.6,6.7,TLT:23.4%;TSLA:25.7%;VOO:25.7%;XLF:25.3%,US:73.6;EU:12.1;APAC:4.8;EM:7.3;Other:2.1,Value:+0.7;Growth:-0.9;Quality:+0.6;Size:0.0;Momentum:+0.8;LowVol:-0.9,MaxPos8%;NoDerivatives,7,30,5.8,trailing 9%,227,34.0,Volatile,24.4,5.08,2.1,157,78,84,74,true,Hedge,Buy index puts 1% notional,4,-29,BrokerC,MKT,86,Drift>tolerance,Reduce,Allocation drift beyond policy bands,75,-39,169,4,false,Increase defensive factor exposure
P4916,Active,IRA,USD,2025-11-18,1802279,132200,1670079,1.0,62.0,25.2,3.1,9.7,VTI:20.5%;MSFT:19.6%;GLD:20.5%;AMZN:19.8%;HYG:19.5%,US:70.3;EU:7.2;APAC:10.7;EM:8.5;Other:3.4,Value:+0.4;Growth:-0.9;Quality:+0.5;Size:-0.7;Momentum:-0.6;LowVol:-0.1,,7,35,4.9,trailing 8%,179,20.1,Volatile,26.0,3.53,4.4,122,59,81,68,false,NoAction,Within bands; monitor,-14,10,BrokerA,MKT,0,None,None,Normal monitoring,85,17,191,5,false,Within IPS guidelines
P4917,Active,IRA,USD,2024-11-11,2391450,190231,2201219,1.0,58.4,25.2,9.9,6.4,VOO:33.3%;TSLA:33.3%;VTI:33.3%,US:68.0;EU:7.6;APAC:14.3;EM:6.7;Other:3.4,Value:+0.2;Growth:+0.2;Quality:-0.5;Size:+1.0;Momentum:+0.7;LowVol:+0.8,,5,35,5.4,trailing 8%,185,22.2,Bull,13.9,4.96,3.2,72,29,76,49,false,Rebalance,Shift +1% to bonds from equity,-8,-32,BrokerC,LMT,99,None,None,Normal monitoring,5,-9,38,5,false,Tighten stops on momentum names
P4918,Systematic,401k,USD,2025-09-08,928935,54451,874484,1.0,65.6,20.6,4.7,9.1,IEF:33.3%;VOO:33.3%;MUB:33.3%,US:68.2;EU:8.0;APAC:10.9;EM:10.8;Other:2.1,Value:+0.5;Growth:-0.5;Quality:+0.8;Size:-0.8;Momentum:-0.9;LowVol:+0.2,,10,35,4.8,hard 12%,229,20.6,Volatile,20.0,4.8,3.2,140,4,38,55,false,NoAction,Within bands; monitor,7,-4,BrokerD,MKT,0,None,None,Normal monitoring,27,-35,138,4,false,Within IPS guidelines
P4919,Active,Trust,USD,2025-01-18,756235,73846,682389,1.22,60.3,20.0,10.9,8.9,HYG:14.6%;IEF:15.2%;VOO:20.2%;XLF:16.4%;VNQ:15.2%;BND:18.5%,US:69.1;EU:12.2;APAC:12.6;EM:3.7;Other:2.4,Value:+0.3;Growth:+0.5;Quality:-0.9;Size:+0.1;Momentum:-0.2;LowVol:-0.5,MaxPos6%,10,35,5.6,trailing 9%,131,27.3,Bear,25.9,3.63,1.1,202,-18,51,66,false,Buy,Add to core equity +1%,14,-32,BrokerA,MKT,96,None,None,Normal monitoring,38,-33,65,4,false,Tighten stops on momentum names
P4920,Active,IRA,USD,2024-10-30,1941930,232441,1709489,1.0,56.1,23.8,14.7,5.3,AAPL:25.0%;AMZN:25.0%;VTI:25.0%;BND:25.0%,US:70.4;EU:12.5;APAC:7.3;EM:9.2;Other:0.5,Value:+0.5;Growth:+0.7;Quality:+1.0;Size:+0.9;Momentum:-0.5;LowVol:+0.2,MaxPos5%;NoDerivatives,8,35,4.3,trailing 9%,218,22.7,Volatile,22.0,3.94,2.7,129,-34,44,47,false,Buy,Add to core equity +1%,10,3,BrokerA,LMT,95,None,None,Normal monitoring,12,-37,150,4,false,Monitor dispersion and breadth
P4921,Opportunistic,Trust,USD,2025-10-08,1624401,132269,1492132,1.0,61.9,19.6,10.6,7.9,VOO:10.4%;AAPL:22.6%;MSFT:20.2%;MUB:22.6%;BND:12.2%;TLT:11.9%,US:55.2;EU:14.9;APAC:16.2;EM:10.7;Other:3.1,Value:-0.1;Growth:-0.9;Quality:+0.7;Size:-0.9;Momentum:+0.4;LowVol:+0.4,MaxPos7%,7,30,4.8,hard 12%,208,32.7,Volatile,32.0,4.34,4.0,176,77,81,76,true,Rebalance,Rebalance back to target bands,20,-14,BrokerA,MKT,99,VAR>budget,Reduce,Risk above budget threshold,-39,-20,-25,4,false,Increase defensive factor exposure
P4922,Active,Taxable,USD,2025-09-10,532961,51006,481955,1.0,55.7,23.8,13.4,7.0,AMZN:28.7%;HYG:13.8%;TSLA:28.7%;MUB:28.7%,US:61.4;EU:18.7;APAC:10.4;EM:7.7;Other:1.9,Value:+0.1;Growth:-0.3;Quality:-0.2;Size:+0.6;Momentum:+0.1;LowVol:0.0,MaxPos8%,8,30,5.3,trailing 8%,190,20.8,Sideways,21.0,3.74,3.1,103,-11,55,48,false,NoAction,Within bands; monitor,31,0,BrokerA,MKT,0,None,None,Normal monitoring,-11,-28,-18,5,false,Monitor dispersion and breadth
P4923,Cautious,Roth,USD,2025-10-28,430779,35392,395387,1.0,47.6,33.2,7.8,11.4,TLT:9.2%;AMZN:22.2%;MUB:9.5%;VTI:22.2%;BND:14.8%;VOO:22.2%,US:67.1;EU:10.1;APAC:11.4;EM:9.2;Other:2.2,Value:-0.9;Growth:+0.2;Quality:+0.6;Size:-0.7;Momentum:-0.3;LowVol:+0.1,MaxPos5%;NoDerivatives;NoMargin,6,30,4.4,hard 10%,127,18.7,Volatile,21.2,5.35,4.3,170,-16,42,48,false,Rebalance,Shift +1% to bonds from equity,13,1,BrokerA,LMT,93,None,None,Normal monitoring,-18,0,41,5,false,Tax-aware sells next window
P4924,Cautious,401k,USD,2025-07-12,691687,60377,631310,1.0,48.2,35.4,4.1,12.3,IEF:26.8%;BRK.B:19.7%;VNQ:26.8%;AAPL:26.8%,US:59.3;EU:15.9;APAC:11.6;EM:13.3;Other:0.0,Value:+0.4;Growth:+0.4;Quality:+0.5;Size:-0.5;Momentum:+0.1;LowVol:+0.3,ESGOnly;NoDerivatives;NoMargin,5,30,5.6,trailing 8%,125,16.7,Bull,16.5,4.75,3.1,120,10,55,45,false,Buy,Add to core equity +1%,24,-12,BrokerB,MKT,97,None,None,Normal monitoring,110,-55,73,3,false,Tax-aware sells next window
P4925,Hands-off,Roth,USD,2025-10-23,519029,34266,484763,1.0,63.4,27.4,0.0,9.2,TSLA:20.2%;AMZN:20.2%;GLD:8.9%;XLF:16.8%;TLT:19.4%;MSFT:14.5%,US:72.8;EU:14.1;APAC:5.7;EM:6.3;Other:1.2,Value:0.0;Growth:-0.9;Quality:-0.8;Size:-0.2;Momentum:-0.5;LowVol:+0.2,,8,30,5.3,trailing 8%,105,17.4,Sideways,16.7,4.02,3.0,126,13,45,60,false,Rebalance,Shift +1% to bonds from equity,-14,-22,BrokerB,LMT,92,None,None,Normal monitoring,30,-9,146,5,false,Within IPS guidelines
P4926,Hands-off,IRA,USD,2025-04-22,867882,36833,831049,1.0,67.2,24.1,0.0,8.7,XLF:28.5%;IEF:28.5%;BRK.B:28.5%;TLT:14.6%,US:72.4;EU:13.0;APAC:5.4;EM:9.1;Other:0.0,Value:+0.7;Growth:+0.5;Quality:-0.1;Size:+0.2;Momentum:+0.7;LowVol:-1.0,ESGOnly;MaxPos8%,10,35,5.0,trailing 10%,95,18.1,Sideways,21.6,4.92,3.3,109,19,66,60,false,Buy,Add to core equity +1%,26,6,BrokerA,VWAP,96,None,None,Normal monitoring,67,-4,106,4,false,Within IPS guidelines
P4927,Hands-off,IRA,USD,2024-10-31,549245,43078,506167,1.0,62.0,17.2,14.4,6.4,VOO:20.3%;MSFT:10.9%;TLT:19.1%;VTI:15.3%;MUB:14.2%;XLF:20.3%,US:67.0;EU:8.3;APAC:15.2;EM:7.0;Other:2.5,Value:-0.4;Growth:+0.7;Quality:-0.0;Size:-0.8;Momentum:-0.4;LowVol:+0.7,ESGOnly;NoDerivatives,8,35,3.4,trailing 8%,134,12.8,Sideways,16.8,4.43,2.1,126,47,73,44,false,Rebalance,Shift +1% to bonds from equity,-4,-31,BrokerA,MKT,90,None,None,Normal monitoring,-48,-1,-56,3,false,Within IPS guidelines
P4928,Hands-off,IRA,USD,2025-10-08,364719,19943,344776,1.0,67.5,17.0,8.5,7.0,VOO:21.1%;AMZN:19.3%;TSLA:14.1%;TLT:12.1%;AAPL:21.1%;GLD:12.3%,US:61.6;EU:18.9;APAC:5.5;EM:11.3;Other:2.6,Value:+0.1;Growth:-1.0;Quality:-1.0;Size:+0.6;Momentum:-0.4;LowVol:-0.6,NoDerivatives,7,35,5.4,trailing 8%,145,13.8,Volatile,29.0,4.81,2.4,136,7,40,69,false,NoAction,Within bands; monitor,15,-16,BrokerB,LMT,85,None,None,Normal monitoring,11,12,0,4,false,Increase defensive factor exposure
P4929,Hands-off,IRA,USD,2024-10-28,208062,10584,197478,1.0,67.9,19.0,3.1,10.0,HYG:33.3%;XLF:33.3%;TSLA:33.3%,US:71.2;EU:7.5;APAC:10.7;EM:7.5;Other:3.1,Value:+0.7;Growth:-0.2;Quality:+0.1;Size:+0.3;Momentum:+0.3;LowVol:-0.5,ESGOnly,10,25,5.9,hard 10%,145,14.8,Volatile,28.9,4.19,2.3,179,-47,24,84,true,Rebalance,Rebalance back to target bands,3,-4,BrokerB,MKT,87,RegimeShift,Reduce,Volatility spike and breadth deterioration,-25,-47,-38,3,false,Tighten stops on momentum names
P4930,Active,Taxable,USD,2025-09-22,954401,57728,896673,1.1,60.8,30.8,0.0,8.4,BRK.B:16.2%;QQQ:21.6%;XLF:17.0%;HYG:12.9%;TLT:11.4%;VOO:20.9%,US:71.3;EU:10.4;APAC:11.9;EM:5.3;Other:1.2,Value:+0.9;Growth:-0.2;Quality:-0.1;Size:+0.4;Momentum:+0.1;LowVol:-0.7,,7,30,5.1,trailing 8%,212,19.4,Bull,17.7,4.72,3.0,114,29,63,52,false,Rebalance,Shift +1% to bonds from equity,9,-7,BrokerD,MKT,100,None,None,Normal monitoring,66,-39,88,3,false,Monitor dispersion and breadth
P4931,Cautious,Trust,USD,2024-10-23,646865,86092,560773,1.0,38.9,34.8,10.4,15.9,MSFT:13.1%;VNQ:21.9%;XLF:23.8%;BRK.B:19.0%;QQQ:22.3%,US:62.8;EU:14.7;APAC:13.3;EM:7.5;Other:1.7,Value:+0.3;Growth:-0.5;Quality:-0.7;Size:+0.7;Momentum:+1.0;LowVol:+0.9,ESGOnly;NoMargin,5,25,6.0,hard 10%,165,13.7,Bull,13.9,3.65,2.8,99,44,77,27,false,Sell,Trim extended winner -1%,-15,-40,BrokerB,MKT,93,None,None,Normal monitoring,21,-40,56,5,false,Increase defensive factor exposure
P4932,Hands-off,IRA,USD,2024-12-24,289297,18818,270479,1.0,66.5,22.9,2.9,7.7,TSLA:19.7%;BND:21.7%;AMZN:8.6%;TLT:21.7%;QQQ:14.4%;MUB:13.9%,US:63.9;EU:13.7;APAC:10.3;EM:9.6;Other:2.5,Value:-0.7;Growth:-0.4;Quality:-0.9;Size:-0.8;Momentum:+0.9;LowVol:-0.8,,8,35,5.2,trailing 8%,170,15.0,Volatile,23.7,3.8,3.1,129,-41,43,57,false,Sell,Trim extended winner -1%,14,-8,BrokerA,MKT,98,None,None,Normal monitoring,5,18,99,5,false,Within IPS guidelines
P4933,Hands-off,Roth,USD,2025-05-28,231576,17883,213693,1.0,67.5,22.8,3.9,5.9,BRK.B:27.1%;AAPL:27.1%;XLF:20.7%;GLD:25.0%,US:60.7;EU:16.5;APAC:14.1;EM:5.5;Other:3.2,Value:+0.6;Growth:+0.3;Quality:+0.8;Size:+0.6;Momentum:0.0;LowVol:-0.1,,7,25,3.8,hard 10%,136,18.9,Volatile,21.4,4.48,4.0,141,5,41,70,false,Buy,Add to core equity +1%,12,7,BrokerA,LMT,87,None,None,Normal monitoring,85,-41,209,5,false,Increase defensive factor exposure
P4934,Hands-off,Trust,USD,2025-09-18,858225,48811,809414,1.0,70.7,20.7,0.0,8.6,IEF:33.3%;MSFT:33.3%;HYG:33.3%,US:62.9;EU:16.9;APAC:10.9;EM:8.2;Other:1.2,Value:-0.2;Growth:+0.6;Quality:-0.1;Size:+0.5;Momentum:+0.7;LowVol:+0.4,ESGOnly;MaxPos6%,7,25,4.2,trailing 8%,142,14.0,Sideways,15.0,3.63,3.2,112,4,53,48,false,Rebalance,Shift +1% to bonds from equity,7,4,BrokerD,LMT,99,None,None,Normal monitoring,65,-16,101,5,false,Monitor dispersion and breadth
P4935,Active,IRA,USD,2024-09-21,2296540,204624,2091916,1.0,50.5,19.2,20.6,9.7,GLD:19.9%;AMZN:20.4%;MUB:5.4%;VOO:20.3%;BND:20.4%;TLT:13.5%,US:72.4;EU:10.6;APAC:5.2;EM:7.1;Other:4.7,Value:+0.4;Growth:-0.5;Quality:+0.6;Size:+0.4;Momentum:+0.9;LowVol:-0.1,MaxPos8%,5,25,4.0,trailing 9%,156,17.3,Bull,14.1,4.13,2.6,99,82,81,34,false,Sell,Trim extended winner -1%,-2,7,BrokerC,LMT,87,None,None,Normal monitoring,102,2,66,5,false,Monitor dispersion and breadth
P4936,Hands-off,Taxable,USD,2024-08-02,442663,31170,411493,1.0,66.3,24.5,0.0,9.2,MUB:33.3%;VOO:33.3%;AAPL:33.3%,US:64.1;EU:8.5;APAC:14.4;EM:10.8;Other:2.2,Value:-0.6;Growth:+0.8;Quality:+0.5;Size:-0.8;Momentum:-0.1;LowVol:-0.0,MaxPos8%,7,35,4.2,trailing 8%,90,17.0,Volatile,28.2,5.06,3.9,116,0,45,71,true,Rebalance,Rebalance back to target bands,20,11,BrokerD,MKT,96,RegimeShift,Reduce,Volatility spike and breadth deterioration,111,-42,182,5,false,Increase defensive factor exposure
P4937,Cautious,Taxable,USD,2025-06-25,628498,66967,561531,1.0,40.4,30.6,12.7,16.3,VTI:21.6%;HYG:26.1%;AMZN:26.1%;TLT:26.1%,US:72.5;EU:9.9;APAC:8.6;EM:8.9;Other:0.2,Value:+0.5;Growth:+0.6;Quality:+0.4;Size:+0.8;Momentum:-0.9;LowVol:-0.2,NoDerivatives;NoMargin,10,35,3.9,trailing 8%,108,17.2,Bull,11.1,3.62,3.2,96,95,90,27,false,Sell,Trim extended winner -1%,18,-22,BrokerB,MKT,86,None,None,Normal monitoring,-20,-35,100,3,false,Tighten stops on momentum names
P4938,Active,401k,USD,2025-08-24,2111377,225867,1885510,1.0,68.3,21.7,1.5,8.5,MSFT:27.5%;VOO:19.9%;AAPL:25.2%;TLT:27.5%,US:69.1;EU:17.9;APAC:9.2;EM:3.4;Other:0.4,Value:+0.3;Growth:-0.1;Quality:+0.6;Size:+0.4;Momentum:-0.1;LowVol:+0.4,,6,25,4.7,trailing 8%,173,17.8,Bull,17.9,4.78,2.3,111,18,56,63,false,Rebalance,Shift +1% to bonds from equity,15,-3,BrokerC,MKT,87,None,None,Normal monitoring,-41,-12,-77,3,false,Within IPS guidelines
P4939,Hands-off,Trust,USD,2024-10-26,176189,8697,167492,1.0,59.6,18.8,14.2,7.3,BND:33.3%;VOO:33.3%;VTI:33.3%,US:68.8;EU:8.5;APAC:7.3;EM:11.7;Other:3.7,Value:-0.5;Growth:-0.5;Quality:-0.2;Size:-0.1;Momentum:-0.7;LowVol:+0.1,ESGOnly;NoDerivatives,6,25,4.4,trailing 10%,165,16.2,Volatile,26.6,5.37,2.4,146,-30,32,77,true,Reduce,"Cut high-beta by 2-3%, add cash",11,-18,BrokerC,LMT,93,VAR>budget,Hedge,Risk above budget threshold,28,1,73,4,false,Increase defensive factor exposure
P4940,Active,401k,USD,2024-11-30,704861,48875,655986,1.0,56.8,23.2,12.4,7.6,AAPL:23.9%;IEF:13.8%;AMZN:18.8%;GLD:23.9%;MUB:19.7%,US:64.6;EU:6.4;APAC:13.5;EM:12.7;Other:2.8,Value:-0.6;Growth:+0.5;Quality:+0.3;Size:-0.1;Momentum:-0.3;LowVol:+0.9,,10,30,5.2,hard 12%,208,18.1,Volatile,23.3,5.37,4.0,125,-37,27,55,false,Rebalance,Shift +1% to bonds from equity,2,-1,BrokerD,LMT,96,None,None,Normal monitoring,85,-28,124,4,false,Monitor dispersion and breadth
P4941,Hands-off,Taxable,USD,2025-10-31,649959,52492,597467,1.0,60.0,24.7,7.5,7.8,TLT:19.7%;AAPL:12.7%;BRK.B:21.6%;VTI:13.6%;IEF:10.8%;VNQ:21.6%,US:69.5;EU:10.2;APAC:13.0;EM:5.1;Other:2.3,Value:+0.5;Growth:-0.8;Quality:-0.0;Size:+0.4;Momentum:+0.9;LowVol:-0.4,ESGOnly,7,30,4.6,trailing 8%,143,15.3,Bull,13.2,3.99,3.4,108,14,59,35,false,Hedge,Add TLT +1% as duration hedge,35,-18,BrokerA,VWAP,98,None,None,Normal monitoring,-51,-44,-91,5,false,Increase defensive factor exposure
P4942,Systematic,Roth,USD,2025-08-15,1538910,105280,1433630,1.0,61.9,29.3,0.0,8.7,XLF:21.9%;TLT:17.7%;VTI:11.7%;VNQ:17.2%;AAPL:9.6%;MUB:21.9%,US:60.1;EU:18.0;APAC:10.2;EM:7.2;Other:4.4,Value:+0.7;Growth:-0.1;Quality:-0.3;Size:-0.0;Momentum:+0.1;LowVol:-0.7,MaxPos6%,10,25,4.8,trailing 8%,181,19.6,Bull,14.0,3.76,3.2,74,37,82,43,false,Sell,Trim extended winner -1%,-3,-15,BrokerD,MKT,88,None,None,Normal monitoring,-43,-2,0,5,false,Tax-aware sells next window
P4943,Systematic,IRA,USD,2024-09-17,670799,30321,640478,1.0,63.7,30.8,0.0,5.5,GLD:28.7%;MUB:28.7%;IEF:28.7%;MSFT:14.0%,US:72.9;EU:9.5;APAC:8.5;EM:3.7;Other:5.5,Value:-0.5;Growth:-0.7;Quality:+0.7;Size:-0.9;Momentum:+0.6;LowVol:-0.8,MaxPos8%,6,25,5.1,trailing 8%,162,19.0,Bear,28.1,3.09,2.9,171,-42,28,83,true,Hedge,Buy index puts 1% notional,28,-19,BrokerB,MKT,85,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,35,1,18,5,false,Within IPS guidelines
P4944,Active,Roth,USD,2024-10-15,2112859,220047,1892812,1.05,69.9,19.0,2.0,9.1,BRK.B:25.0%;IEF:25.0%;BND:25.0%;VTI:25.0%,US:60.1;EU:20.2;APAC:11.8;EM:5.8;Other:2.1,Value:-0.2;Growth:-0.7;Quality:-0.0;Size:-0.0;Momentum:+0.7;LowVol:+0.6,MaxPos7%,8,25,4.2,trailing 8%,171,18.2,Bull,12.3,4.12,2.4,114,102,92,48,false,Rebalance,Shift +1% to bonds from equity,30,-15,BrokerC,MKT,94,None,None,Normal monitoring,-41,-59,-58,4,false,Within IPS guidelines
P4945,Active,401k,USD,2025-05-20,1739526,187749,1551777,1.0,57.4,27.9,9.3,5.4,QQQ:23.1%;MSFT:23.1%;BRK.B:23.1%;VOO:16.7%;VTI:14.0%,US:71.9;EU:8.4;APAC:14.2;EM:4.7;Other:0.8,Value:+0.5;Growth:+0.7;Quality:-0.6;Size:-0.0;Momentum:+0.9;LowVol:+0.3,MaxPos6%;NoDerivatives,8,25,5.3,trailing 8%,139,21.8,Bull,17.8,3.96,3.4,95,29,79,56,true,Reduce,"Cut high-beta by 2-3%, add cash",30,15,BrokerB,MKT,88,RegimeShift,Reduce,Volatility spike and breadth deterioration,44,-30,152,3,false,Monitor dispersion and breadth
P4946,Cautious,Roth,USD,2024-12-03,342250,41473,300777,1.0,36.1,35.5,12.5,15.9,MUB:14.6%;TSLA:24.1%;XLF:17.4%;VNQ:19.7%;QQQ:24.1%,US:65.1;EU:13.3;APAC:14.4;EM:7.1;Other:0.2,Value:-0.8;Growth:+0.8;Quality:-0.4;Size:+0.3;Momentum:-0.7;LowVol:+0.8,ESGOnly;NoMargin,10,35,4.7,hard 10%,102,18.1,Volatile,28.5,4.94,2.1,156,80,82,53,false,Sell,Trim extended winner -1%,-3,-40,BrokerB,MKT,86,None,None,Normal monitoring,-37,-47,80,5,false,Within IPS guidelines
P4947,Systematic,IRA,USD,2024-08-29,465106,28675,436431,1.0,61.8,21.2,8.3,8.8,MSFT:16.5%;AMZN:11.1%;TLT:17.5%;TSLA:20.6%;GLD:20.6%;IEF:13.7%,US:65.3;EU:15.7;APAC:13.0;EM:5.0;Other:1.0,Value:+0.9;Growth:0.0;Quality:+0.8;Size:-0.5;Momentum:+0.4;LowVol:+0.8,,10,25,5.4,trailing 9%,226,26.4,Sideways,14.0,4.55,2.1,97,46,73,54,false,Buy,Add to core equity +1%,22,9,BrokerD,LMT,92,None,None,Normal monitoring,115,-27,104,4,false,Monitor dispersion and breadth
P4948,Hands-off,Trust,USD,2025-06-07,509548,21148,488400,1.0,73.2,16.7,0.7,9.4,TLT:20.5%;VNQ:12.5%;GLD:19.4%;AMZN:19.5%;TSLA:18.8%;MSFT:9.3%,US:71.1;EU:5.6;APAC:8.6;EM:11.8;Other:2.9,Value:-0.4;Growth:+0.1;Quality:+0.1;Size:+0.5;Momentum:+0.2;LowVol:-0.2,,10,25,3.2,hard 10%,91,17.3,Volatile,28.9,4.65,2.7,176,4,55,79,true,Rebalance,Rebalance back to target bands,-5,13,BrokerB,LMT,89,VAR>budget,TightenStops,Risk above budget threshold,58,15,146,4,false,Tighten stops on momentum names
P4949,Active,Trust,USD,2024-10-26,1113014,127796,985218,1.18,54.2,27.5,10.3,7.9,HYG:22.1%;TLT:18.5%;VNQ:13.5%;MSFT:22.1%;AMZN:12.5%;MUB:11.3%,US:61.7;EU:17.5;APAC:10.9;EM:9.1;Other:0.8,Value:-0.1;Growth:-0.0;Quality:-0.5;Size:+0.1;Momentum:+0.7;LowVol:+0.5,MaxPos7%,8,30,4.4,trailing 8%,204,19.9,Bull,16.4,4.12,2.1,113,103,93,45,false,Rebalance,Shift +1% to bonds from equity,35,-9,BrokerB,MKT,90,None,None,Normal monitoring,-59,-1,16,4,false,Monitor dispersion and breadth
P4950,Hands-off,401k,USD,2024-09-13,675891,53540,622351,1.0,58.0,19.7,15.7,6.6,TLT:21.1%;MUB:17.6%;GLD:12.1%;IEF:15.4%;XLF:14.1%;VNQ:19.8%,US:60.7;EU:15.8;APAC:12.6;EM:8.3;Other:2.6,Value:-0.6;Growth:-0.4;Quality:-0.9;Size:-0.6;Momentum:-0.2;LowVol:+0.6,MaxPos6%;NoDerivatives,6,30,3.7,hard 10%,149,19.0,Volatile,21.8,4.88,2.8,173,-28,22,59,false,Buy,Add to core equity +1%,27,-20,BrokerA,LMT,89,None,None,Normal monitoring,109,4,159,5,false,Within IPS guidelines
P4951,Opportunistic,IRA,USD,2025-11-14,411433,23126,388307,1.0,67.3,16.9,8.2,7.7,VOO:35.5%;TSLA:35.5%;TLT:28.9%,US:66.3;EU:14.6;APAC:9.0;EM:7.7;Other:2.5,Value:+0.3;Growth:+0.4;Quality:+0.5;Size:+0.8;Momentum:-0.4;LowVol:-0.9,,8,25,4.3,trailing 7%,205,23.2,Sideways,21.5,4.34,2.4,131,-5,49,61,false,Hedge,Add TLT +1% as duration hedge,10,3,BrokerC,VWAP,86,None,None,Normal monitoring,33,-5,16,3,false,Monitor dispersion and breadth
P4952,Opportunistic,IRA,USD,2025-09-23,579688,31288,548400,1.0,68.1,12.4,15.2,4.3,AMZN:23.5%;TSLA:23.5%;HYG:13.8%;VNQ:22.9%;AAPL:16.2%,US:68.1;EU:19.1;APAC:5.8;EM:4.9;Other:2.1,Value:+0.2;Growth:-0.7;Quality:-0.7;Size:+0.4;Momentum:+0.9;LowVol:+0.3,NoDerivatives,6,35,4.6,trailing 7%,224,33.6,Bear,29.7,3.41,1.2,168,-4,35,76,true,Hedge,Buy index puts 1% notional,-13,-31,BrokerB,LMT,92,VAR>budget,Pause,Risk above budget threshold,-41,8,30,5,false,Increase defensive factor exposure
P4953,Cautious,Trust,USD,2024-12-13,463081,49662,413419,1.0,53.5,35.3,0.0,11.3,TLT:23.5%;VNQ:14.0%;AMZN:21.8%;XLF:23.5%;QQQ:17.2%,US:65.8;EU:17.9;APAC:6.3;EM:8.3;Other:1.8,Value:-0.1;Growth:-0.1;Quality:-0.9;Size:-0.1;Momentum:+0.3;LowVol:+0.6,NoMargin,6,35,5.4,trailing 8%,93,19.9,Bull,13.1,3.59,2.2,75,25,74,46,false,Buy,Add to core equity +1%,-2,-25,BrokerA,LMT,96,None,None,Normal monitoring,53,17,109,4,false,Increase defensive factor exposure
P4954,Systematic,Taxable,USD,2025-04-18,684363,56362,628001,1.0,56.8,31.6,4.4,7.2,TLT:34.4%;TSLA:34.4%;BRK.B:31.2%,US:68.2;EU:16.3;APAC:6.9;EM:5.5;Other:3.1,Value:-0.1;Growth:-0.7;Quality:+0.4;Size:-0.3;Momentum:-0.4;LowVol:-0.1,,7,30,4.5,hard 12%,213,17.5,Volatile,22.3,4.58,2.9,177,25,47,66,true,Rebalance,Rebalance back to target bands,28,-16,BrokerC,LMT,87,VAR>budget,Hedge,Risk above budget threshold,65,-16,170,3,true,Increase defensive factor exposure
P4955,Hands-off,IRA,USD,2024-09-28,662766,54487,608279,1.0,61.9,20.5,10.9,6.7,IEF:21.5%;AAPL:26.2%;XLF:26.2%;GLD:26.2%,US:65.9;EU:14.5;APAC:7.2;EM:8.8;Other:3.6,Value:-0.9;Growth:+0.9;Quality:0.0;Size:-0.8;Momentum:+1.0;LowVol:-1.0,,10,35,4.7,trailing 8%,97,18.9,Volatile,25.7,4.18,2.2,161,-39,19,76,true,Reduce,"Cut high-beta by 2-3%, add cash",25,-2,BrokerC,VWAP,95,RegimeShift,Pause,Volatility spike and breadth deterioration,-37,9,96,3,false,Within IPS guidelines
P4956,Hands-off,Trust,USD,2025-07-23,567020,24607,542413,1.0,70.0,22.2,2.5,5.3,BRK.B:33.3%;AMZN:33.3%;VNQ:33.3%,US:73.3;EU:6.8;APAC:11.6;EM:5.7;Other:2.6,Value:-0.9;Growth:+0.4;Quality:+0.2;Size:+0.2;Momentum:-0.6;LowVol:0.0,,8,30,4.0,trailing 10%,163,14.7,Bull,15.9,3.8,2.9,109,29,60,46,false,Rebalance,Shift +1% to bonds from equity,-2,2,BrokerB,MKT,87,None,None,Normal monitoring,74,-25,80,4,false,Increase defensive factor exposure
P4957,Opportunistic,Roth,USD,2024-09-15,1511934,48075,1463859,1.0,77.3,14.7,0.2,7.8,VOO:19.0%;TLT:10.0%;BND:13.6%;VNQ:21.7%;AAPL:22.0%;VTI:13.6%,US:74.1;EU:5.6;APAC:5.2;EM:10.7;Other:4.3,Value:+0.4;Growth:+0.5;Quality:-0.5;Size:-0.7;Momentum:-0.4;LowVol:-0.8,,10,30,5.7,trailing 7%,162,26.5,Sideways,19.6,4.52,2.6,93,31,54,75,false,Rebalance,Shift +1% to bonds from equity,-3,-29,BrokerB,VWAP,99,None,None,Normal monitoring,64,-22,87,3,false,Within IPS guidelines
P4958,Systematic,Roth,USD,2024-11-24,1267841,88956,1178885,1.0,66.3,25.8,0.4,7.5,BND:21.2%;TLT:11.0%;AMZN:15.0%;MUB:11.2%;AAPL:21.2%;XLF:20.3%,US:68.6;EU:11.6;APAC:11.2;EM:5.5;Other:3.1,Value:-0.7;Growth:-0.2;Quality:-0.2;Size:+0.5;Momentum:-0.2;LowVol:-0.7,,8,35,5.3,trailing 9%,171,21.4,Bear,34.4,3.23,3.0,159,-117,5,96,true,Rebalance,Rebalance back to target bands,16,-14,BrokerB,MKT,91,VAR>budget,Hedge,Risk above budget threshold,40,-27,71,4,false,Increase defensive factor exposure
P4959,Active,Roth,USD,2025-10-16,1484354,146793,1337561,1.0,63.0,23.3,8.4,5.4,AAPL:18.6%;MSFT:22.8%;TLT:16.9%;BRK.B:18.9%;VNQ:22.8%,US:64.6;EU:15.9;APAC:12.0;EM:7.1;Other:0.4,Value:-0.6;Growth:+0.6;Quality:-0.2;Size:+0.5;Momentum:-0.6;LowVol:-0.9,MaxPos6%,7,25,4.8,trailing 9%,137,24.9,Volatile,26.4,4.28,2.9,143,62,90,78,true,Rebalance,Rebalance back to target bands,33,-3,BrokerD,LMT,96,VAR>budget,Reduce,Risk above budget threshold,-43,-24,-21,4,false,Within IPS guidelines
P4960,Systematic,Roth,USD,2025-11-16,1068620,66836,1001784,1.0,60.4,22.9,6.9,9.8,BRK.B:32.8%;QQQ:33.6%;XLF:33.6%,US:61.0;EU:16.5;APAC:11.7;EM:8.9;Other:1.9,Value:+0.4;Growth:+0.8;Quality:+0.5;Size:+0.2;Momentum:+0.7;LowVol:-0.6,NoDerivatives,10,35,5.7,trailing 9%,130,18.5,Bull,12.6,3.77,2.4,112,88,92,42,false,NoAction,Within bands; monitor,26,8,BrokerA,MKT,0,None,None,Normal monitoring,15,2,14,5,false,Tighten stops on momentum names
P4961,Cautious,401k,USD,2024-09-20,607557,75334,532223,1.0,42.5,43.0,4.1,10.3,MUB:33.5%;VTI:33.5%;VOO:32.9%,US:74.7;EU:8.6;APAC:7.1;EM:6.2;Other:3.3,Value:-0.7;Growth:+0.4;Quality:-1.0;Size:-0.7;Momentum:+0.9;LowVol:+0.4,ESGOnly;NoDerivatives;NoMargin,8,35,4.2,hard 10%,140,17.3,Bull,16.9,4.98,2.6,80,58,71,38,false,Rebalance,Shift +1% to bonds from equity,28,-37,BrokerA,MKT,88,None,None,Normal monitoring,51,-39,157,5,false,Increase defensive factor exposure
P4962,Active,IRA,USD,2025-01-04,1701413,193295,1508118,1.07,55.5,20.1,17.9,6.4,AMZN:33.3%;HYG:33.3%;MSFT:33.3%,US:64.4;EU:9.7;APAC:16.1;EM:6.1;Other:3.8,Value:-0.3;Growth:-0.0;Quality:-0.8;Size:+0.3;Momentum:-0.0;LowVol:-0.5,MaxPos6%,10,35,5.1,trailing 9%,134,16.0,Bear,31.7,4.36,1.6,190,-64,14,84,true,Rebalance,Rebalance back to target bands,29,-17,BrokerB,MKT,91,RegimeShift,Hedge,Volatility spike and breadth deterioration,52,0,73,3,false,Increase defensive factor exposure
P4963,Opportunistic,401k,USD,2025-02-21,1699093,68325,1630768,1.0,63.9,17.8,14.0,4.3,VNQ:22.9%;TSLA:7.2%;AAPL:11.5%;BRK.B:21.3%;HYG:22.9%;XLF:14.2%,US:67.6;EU:7.5;APAC:15.3;EM:5.4;Other:4.2,Value:+0.5;Growth:-0.9;Quality:-0.7;Size:-0.6;Momentum:+0.9;LowVol:-0.3,,6,35,4.1,trailing 9%,184,25.6,Volatile,26.5,5.5,4.2,131,19,65,65,false,Buy,Add to core equity +1%,30,3,BrokerB,LMT,96,None,None,Normal monitoring,-47,-32,63,5,false,Increase defensive factor exposure
P4964,Active,IRA,USD,2025-10-25,2114010,134034,1979976,1.0,60.2,29.9,3.4,6.5,MUB:21.6%;BRK.B:7.5%;TSLA:21.6%;AMZN:21.6%;VNQ:9.4%;VOO:18.4%,US:72.4;EU:10.5;APAC:7.9;EM:7.4;Other:1.9,Value:-0.5;Growth:+0.1;Quality:+0.3;Size:-1.0;Momentum:+0.2;LowVol:+0.5,MaxPos5%;NoDerivatives,5,35,6.0,trailing 8%,220,19.0,Bull,13.0,4.85,3.2,107,21,48,36,false,Rebalance,Shift +1% to bonds from equity,-4,-24,BrokerA,MKT,98,None,None,Normal monitoring,102,-4,230,4,false,Increase defensive factor exposure
P4965,Opportunistic,401k,USD,2025-04-05,1166669,66077,1100592,1.0,73.0,17.2,1.7,8.1,TLT:26.3%;QQQ:21.1%;GLD:26.3%;HYG:26.3%,US:58.4;EU:21.6;APAC:9.7;EM:5.2;Other:5.2,Value:+0.7;Growth:0.0;Quality:-0.3;Size:+0.7;Momentum:+0.7;LowVol:-0.9,,8,25,4.8,trailing 7%,182,23.9,Volatile,30.6,5.05,2.6,128,-60,7,87,true,Rebalance,Rebalance back to target bands,33,-2,BrokerA,MKT,97,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-30,-3,-15,5,false,Tighten stops on momentum names
P4966,Cautious,Taxable,USD,2024-07-05,221339,26526,194813,1.0,39.6,43.5,4.4,12.4,GLD:24.9%;VNQ:13.8%;BND:24.9%;HYG:24.9%;MUB:11.5%,US:68.0;EU:17.1;APAC:6.4;EM:7.7;Other:0.8,Value:-0.9;Growth:+0.8;Quality:-0.6;Size:-0.3;Momentum:+0.5;LowVol:-0.4,ESGOnly;NoMargin,10,30,4.5,trailing 8%,115,18.7,Bull,12.1,4.05,3.0,76,39,57,37,false,Rebalance,Shift +1% to bonds from equity,6,-13,BrokerA,MKT,86,None,None,Normal monitoring,82,-11,79,4,false,Monitor dispersion and breadth
P4967,Hands-off,Trust,USD,2025-05-12,350946,23087,327859,1.0,74.4,17.0,3.0,5.6,XLF:18.4%;VNQ:20.1%;VOO:24.2%;BND:24.2%;MSFT:13.0%,US:70.2;EU:7.4;APAC:10.1;EM:11.0;Other:1.4,Value:+0.5;Growth:-0.2;Quality:-0.5;Size:-0.2;Momentum:+0.8;LowVol:+0.9,ESGOnly,5,35,4.7,trailing 8%,117,17.1,Bear,28.5,3.46,1.4,138,-107,5,83,true,Hedge,Buy index puts 1% notional,30,14,BrokerD,MKT,96,VAR>budget,Hedge,Risk above budget threshold,69,-35,29,3,false,Monitor dispersion and breadth
P4968,Opportunistic,Taxable,USD,2025-01-09,609712,40093,569619,1.0,74.1,17.2,3.8,4.8,XLF:21.7%;VNQ:13.2%;MUB:11.4%;TLT:10.9%;IEF:21.7%;BND:21.1%,US:60.6;EU:16.9;APAC:14.5;EM:7.3;Other:0.7,Value:+0.9;Growth:+0.5;Quality:-0.5;Size:+0.7;Momentum:+0.6;LowVol:-0.8,,10,25,5.0,hard 12%,250,31.4,Bull,11.5,4.96,2.4,87,31,66,42,true,Hedge,Buy index puts 1% notional,0,-26,BrokerB,LMT,98,Drift>tolerance,Hedge,Allocation drift beyond policy bands,10,12,62,4,false,Increase defensive factor exposure
P4969,Systematic,Taxable,USD,2025-11-22,660848,65708,595140,1.0,62.6,31.9,0.0,5.5,TSLA:28.2%;AAPL:15.5%;VTI:28.2%;HYG:28.2%,US:65.0;EU:16.8;APAC:7.4;EM:6.3;Other:4.5,Value:+0.7;Growth:-0.4;Quality:+1.0;Size:-0.9;Momentum:+0.1;LowVol:+0.6,MaxPos7%,6,30,5.4,hard 12%,204,17.3,Bull,12.9,4.56,2.6,106,55,64,51,false,Hedge,Add TLT +1% as duration hedge,13,-32,BrokerB,LMT,93,None,None,Normal monitoring,9,4,121,3,false,Within IPS guidelines
P4970,Cautious,IRA,USD,2025-05-08,621068,97032,524036,1.0,45.2,33.0,11.5,10.3,BND:33.3%;MUB:33.3%;QQQ:33.3%,US:71.7;EU:18.1;APAC:4.9;EM:4.6;Other:0.7,Value:-0.6;Growth:+0.7;Quality:+0.8;Size:-0.1;Momentum:+0.4;LowVol:+0.3,MaxPos6%;NoMargin,10,35,4.3,trailing 8%,93,13.8,Bull,12.5,3.86,3.0,107,86,92,36,false,Buy,Add to core equity +1%,1,-22,BrokerC,LMT,85,None,None,Normal monitoring,-52,-49,27,5,false,Monitor dispersion and breadth
P4971,Systematic,Trust,USD,2024-11-08,620510,31804,588706,1.0,55.7,21.9,16.6,5.8,TLT:11.2%;VTI:13.5%;AAPL:21.1%;HYG:21.6%;IEF:21.6%;VOO:10.9%,US:66.4;EU:10.6;APAC:7.2;EM:13.4;Other:2.4,Value:+0.4;Growth:-0.5;Quality:-0.8;Size:+1.0;Momentum:+0.1;LowVol:-0.1,MaxPos5%;NoDerivatives,8,30,4.7,trailing 8%,126,20.4,Bull,11.6,4.35,3.2,119,43,63,37,false,Rebalance,Shift +1% to bonds from equity,-11,-36,BrokerA,LMT,88,None,None,Normal monitoring,79,-21,47,4,false,Within IPS guidelines
P4972,Active,Roth,USD,2025-03-30,1548128,153025,1395103,1.0,61.7,30.3,0.0,7.9,VNQ:18.5%;VTI:19.0%;MSFT:25.1%;BND:12.3%;TSLA:25.1%,US:67.4;EU:9.5;APAC:15.4;EM:7.5;Other:0.2,Value:+0.7;Growth:+0.7;Quality:-0.4;Size:-1.0;Momentum:-1.0;LowVol:+0.3,MaxPos7%,7,35,4.5,trailing 8%,197,25.6,Bull,13.0,4.71,2.7,96,78,99,34,false,Rebalance,Shift +1% to bonds from equity,-8,9,BrokerB,MKT,91,None,None,Normal monitoring,-23,-50,72,5,false,Tax-aware sells next window
P4973,Opportunistic,401k,USD,2025-10-17,1308593,66777,1241816,1.25,71.7,20.5,0.0,7.8,VTI:17.9%;MSFT:29.3%;GLD:23.4%;QQQ:29.3%,US:61.0;EU:14.3;APAC:13.2;EM:5.9;Other:5.5,Value:+0.7;Growth:-0.3;Quality:+0.6;Size:+0.9;Momentum:-0.6;LowVol:+0.2,MaxPos8%,5,25,6.8,trailing 7%,200,28.8,Bear,25.5,3.9,2.9,171,28,52,75,true,Hedge,Buy index puts 1% notional,14,11,BrokerA,LMT,100,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-48,-37,35,4,false,Tighten stops on momentum names
P4974,Hands-off,IRA,USD,2025-02-20,652049,55177,596872,1.0,62.0,21.6,11.1,5.3,VNQ:21.7%;QQQ:14.3%;IEF:21.7%;VTI:20.5%;GLD:21.7%,US:67.9;EU:6.2;APAC:15.4;EM:9.1;Other:1.3,Value:+0.1;Growth:+0.5;Quality:+0.8;Size:-0.9;Momentum:+0.4;LowVol:+0.1,,6,35,4.4,trailing 8%,139,18.3,Bull,14.4,3.74,3.4,112,57,70,55,false,Buy,Add to core equity +1%,-8,-7,BrokerD,MKT,92,None,None,Normal monitoring,-19,-55,119,3,false,Increase defensive factor exposure
P4975,Cautious,Trust,USD,2025-02-26,683329,73936,609393,1.0,47.2,35.8,5.3,11.6,TLT:16.9%;MSFT:19.0%;BRK.B:20.1%;VTI:18.9%;XLF:17.4%;GLD:7.6%,US:61.7;EU:18.7;APAC:10.6;EM:4.1;Other:4.9,Value:+0.7;Growth:+0.2;Quality:+1.0;Size:-0.1;Momentum:-0.7;LowVol:+0.3,ESGOnly;NoMargin,6,30,5.0,hard 10%,140,19.1,Volatile,26.2,5.28,4.1,174,-49,12,53,false,Rebalance,Shift +1% to bonds from equity,28,-5,BrokerD,MKT,94,None,None,Normal monitoring,-15,-34,84,3,false,Tighten stops on momentum names
P4976,Opportunistic,Taxable,USD,2024-11-16,881300,57609,823691,1.06,62.4,10.6,19.1,7.9,TSLA:30.9%;BND:34.5%;MUB:34.5%,US:59.8;EU:17.2;APAC:11.0;EM:8.2;Other:3.8,Value:+0.7;Growth:0.0;Quality:+0.1;Size:+0.1;Momentum:+0.8;LowVol:-0.7,,7,35,6.8,hard 12%,279,28.8,Bull,15.2,4.88,3.5,87,113,100,42,false,Buy,Add to core equity +1%,14,12,BrokerA,LMT,93,None,None,Normal monitoring,13,-54,-20,4,false,Tighten stops on momentum names
P4977,Active,Taxable,USD,2025-09-28,964505,60867,903638,1.0,57.0,21.1,14.1,7.8,VOO:15.9%;QQQ:18.0%;XLF:16.9%;MSFT:16.8%;MUB:15.5%;GLD:16.8%,US:57.6;EU:16.7;APAC:12.8;EM:10.8;Other:2.2,Value:+0.9;Growth:+0.3;Quality:+0.1;Size:+0.4;Momentum:+0.6;LowVol:-0.1,MaxPos6%;NoDerivatives,7,30,5.7,trailing 8%,202,24.1,Sideways,15.2,4.26,3.5,102,34,57,34,false,Rebalance,Shift +1% to bonds from equity,13,-34,BrokerD,VWAP,100,None,None,Normal monitoring,84,-7,127,3,false,Increase defensive factor exposure
P4978,Active,401k,USD,2025-06-17,2363724,208509,2155215,1.0,65.4,29.8,0.0,4.8,AAPL:8.8%;AMZN:9.4%;TLT:15.8%;XLF:23.9%;BND:18.2%;VOO:23.9%,US:70.4;EU:7.1;APAC:16.0;EM:5.6;Other:0.9,Value:+0.3;Growth:+0.8;Quality:-0.1;Size:+0.9;Momentum:-0.9;LowVol:-0.6,MaxPos6%,6,35,5.1,trailing 8%,155,18.1,Volatile,23.6,4.29,2.0,175,34,63,69,false,Buy,Add to core equity +1%,-8,4,BrokerD,MKT,100,None,None,Normal monitoring,-10,-53,94,3,false,Within IPS guidelines
P4979,Systematic,401k,USD,2024-08-05,438712,31250,407462,1.0,68.3,24.6,0.0,7.1,BRK.B:33.3%;TLT:33.3%;VTI:33.3%,US:66.6;EU:12.5;APAC:6.1;EM:11.0;Other:3.7,Value:+0.3;Growth:-0.2;Quality:+0.7;Size:+0.4;Momentum:+0.7;LowVol:+0.9,NoDerivatives,7,30,5.4,hard 12%,192,16.7,Sideways,16.8,4.8,2.7,120,18,47,64,false,Sell,Trim extended winner -1%,26,11,BrokerD,MKT,85,None,None,Normal monitoring,109,17,200,5,false,Increase defensive factor exposure
P4980,Opportunistic,IRA,USD,2025-01-17,852626,59542,793084,1.0,73.9,14.1,4.3,7.7,VTI:22.7%;BRK.B:22.7%;AMZN:22.7%;TLT:22.7%;BND:9.2%,US:70.9;EU:9.7;APAC:9.5;EM:4.8;Other:5.1,Value:-0.8;Growth:-0.5;Quality:+0.5;Size:+0.2;Momentum:+0.1;LowVol:+0.8,,8,35,6.5,trailing 7%,192,32.9,Bull,12.6,4.47,2.1,91,24,73,39,false,Buy,Add to core equity +1%,28,14,BrokerA,LMT,92,None,None,Normal monitoring,56,-49,106,4,false,Monitor dispersion and breadth
P4981,Systematic,Taxable,USD,2025-08-25,976013,63778,912235,1.0,56.8,31.1,3.8,8.3,VTI:25.9%;TSLA:25.9%;MUB:14.0%;AAPL:17.1%;QQQ:17.1%,US:75.9;EU:5.7;APAC:12.8;EM:5.6;Other:0.0,Value:-0.8;Growth:+0.3;Quality:+0.6;Size:-0.2;Momentum:+0.8;LowVol:-0.8,MaxPos7%,6,30,4.5,trailing 9%,123,19.3,Volatile,31.0,4.73,2.9,137,70,95,73,true,Rebalance,Rebalance back to target bands,26,-1,BrokerC,MKT,89,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,64,-28,77,2,false,Tighten stops on momentum names
P4982,Hands-off,Roth,USD,2025-01-07,379602,33973,345629,1.0,57.7,21.1,11.9,9.2,TLT:10.3%;AAPL:23.8%;HYG:19.9%;IEF:9.7%;QQQ:23.8%;AMZN:12.5%,US:63.6;EU:14.9;APAC:17.4;EM:3.8;Other:0.3,Value:-0.3;Growth:+0.7;Quality:-1.0;Size:+0.8;Momentum:-0.5;LowVol:-0.8,ESGOnly;MaxPos8%,7,35,5.1,trailing 10%,166,16.9,Sideways,17.9,4.48,3.0,133,-9,44,43,true,Hedge,Buy index puts 1% notional,24,-36,BrokerB,MKT,91,Drift>tolerance,Reduce,Allocation drift beyond policy bands,8,-8,48,2,false,Increase defensive factor exposure
P4983,Cautious,401k,USD,2025-07-01,855779,99228,756551,1.0,37.8,36.3,15.7,10.3,XLF:33.3%;TLT:33.3%;IEF:33.3%,US:74.2;EU:10.6;APAC:5.6;EM:5.2;Other:4.4,Value:+0.3;Growth:+0.9;Quality:-0.1;Size:-0.6;Momentum:+0.5;LowVol:-0.3,NoMargin,7,35,3.5,trailing 8%,139,16.7,Sideways,16.4,4.57,3.5,103,39,77,37,true,Hedge,Buy index puts 1% notional,13,13,BrokerB,LMT,92,RegimeShift,Reduce,Volatility spike and breadth deterioration,-14,-7,59,5,false,Tighten stops on momentum names
P4984,Hands-off,Trust,USD,2025-04-04,880249,71697,808552,1.0,66.8,22.3,5.1,5.8,AAPL:14.7%;MSFT:19.1%;VOO:22.7%;HYG:20.9%;XLF:22.7%,US:69.1;EU:14.1;APAC:10.5;EM:5.9;Other:0.4,Value:-1.0;Growth:-0.1;Quality:-0.2;Size:+0.5;Momentum:-0.8;LowVol:-0.9,ESGOnly;MaxPos5%;NoDerivatives,10,30,5.3,trailing 10%,94,18.7,Volatile,25.7,4.66,3.1,119,55,67,62,false,Hedge,Add TLT +1% as duration hedge,-2,-35,BrokerB,MKT,85,None,None,Normal monitoring,20,11,146,3,false,Tighten stops on momentum names
P4985,Cautious,401k,USD,2024-11-09,869860,80970,788890,1.0,48.0,40.5,0.0,11.6,XLF:19.3%;QQQ:16.3%;GLD:16.2%;TLT:15.7%;AMZN:20.3%;MUB:12.2%,US:59.7;EU:20.2;APAC:10.5;EM:6.4;Other:3.1,Value:-0.1;Growth:-0.6;Quality:+0.1;Size:-0.4;Momentum:-0.7;LowVol:-0.3,ESGOnly;MaxPos8%;NoMargin,5,35,3.5,trailing 10%,110,13.8,Sideways,14.5,3.74,2.9,118,26,57,40,false,Hedge,Add TLT +1% as duration hedge,-13,-18,BrokerC,MKT,86,None,None,Normal monitoring,94,-31,112,3,false,Monitor dispersion and breadth
P4986,Hands-off,401k,USD,2025-02-02,856923,64618,792305,1.0,60.0,27.8,4.9,7.3,TLT:14.2%;BRK.B:17.2%;IEF:11.4%;AAPL:16.1%;XLF:20.5%;MSFT:20.5%,US:60.7;EU:15.3;APAC:11.9;EM:9.8;Other:2.3,Value:+0.3;Growth:-0.3;Quality:+0.9;Size:+0.4;Momentum:+0.1;LowVol:-0.1,,6,25,4.8,trailing 8%,112,12.1,Volatile,27.7,4.88,2.3,121,55,72,73,true,Hedge,Buy index puts 1% notional,-12,-31,BrokerC,MKT,91,RegimeShift,TightenStops,Volatility spike and breadth deterioration,66,-39,86,2,false,Within IPS guidelines
P4987,Hands-off,IRA,USD,2025-06-05,841825,75278,766547,1.0,65.9,18.7,8.8,6.5,XLF:9.2%;TLT:14.1%;MSFT:22.9%;VNQ:22.9%;AAPL:8.9%;TSLA:22.0%,US:71.1;EU:9.0;APAC:14.0;EM:4.3;Other:1.6,Value:-0.9;Growth:-0.2;Quality:+0.6;Size:-0.9;Momentum:-0.6;LowVol:-0.3,ESGOnly;MaxPos8%;NoDerivatives,7,30,4.5,trailing 10%,114,16.8,Bear,26.1,3.44,2.1,213,-12,34,70,false,Hedge,Add TLT +1% as duration hedge,28,-19,BrokerC,MKT,91,None,None,Normal monitoring,90,20,135,4,false,Increase defensive factor exposure
P4988,Opportunistic,Taxable,USD,2024-10-28,1102837,64641,1038196,1.0,64.9,10.2,17.0,8.0,VNQ:10.1%;QQQ:20.7%;TSLA:23.1%;GLD:23.1%;BND:23.1%,US:78.6;EU:7.9;APAC:5.2;EM:6.3;Other:1.9,Value:-0.2;Growth:-0.0;Quality:-0.9;Size:+0.3;Momentum:+0.6;LowVol:+1.0,NoDerivatives,5,30,6.2,hard 12%,277,30.9,Bull,15.6,4.08,2.2,81,1,37,54,false,Sell,Trim extended winner -1%,12,-17,BrokerC,MKT,92,None,None,Normal monitoring,30,-31,23,3,false,Tax-aware sells next window
P4989,Cautious,401k,USD,2025-03-10,225443,26806,198637,1.0,41.0,38.5,5.0,15.4,QQQ:33.2%;GLD:33.4%;VOO:33.4%,US:57.8;EU:19.6;APAC:15.0;EM:6.6;Other:1.0,Value:-0.9;Growth:+0.7;Quality:+0.8;Size:+0.3;Momentum:+0.9;LowVol:+0.2,NoMargin,8,35,3.3,trailing 10%,142,19.0,Bull,13.8,4.16,3.3,117,67,93,39,false,Rebalance,Shift +1% to bonds from equity,14,7,BrokerC,LMT,96,None,None,Normal monitoring,-10,-34,97,3,false,Monitor dispersion and breadth
P4990,Opportunistic,Taxable,USD,2024-07-05,337820,23398,314422,1.0,62.0,10.8,20.5,6.7,TSLA:14.6%;HYG:26.4%;AAPL:26.4%;BRK.B:14.0%;IEF:18.6%,US:59.6;EU:18.1;APAC:12.9;EM:6.4;Other:3.0,Value:+0.9;Growth:+0.6;Quality:+0.3;Size:+0.7;Momentum:-0.6;LowVol:-1.0,MaxPos8%,10,35,4.1,trailing 9%,229,29.9,Bull,14.9,4.74,3.3,103,35,65,42,false,Rebalance,Shift +1% to bonds from equity,-15,-25,BrokerA,VWAP,93,None,None,Normal monitoring,4,-36,122,4,false,Within IPS guidelines
P4991,Active,401k,USD,2025-09-10,2196811,145253,2051558,1.0,57.2,25.6,10.2,7.0,VTI:22.7%;MSFT:8.9%;VOO:22.7%;HYG:22.7%;TLT:9.0%;GLD:14.1%,US:71.1;EU:7.6;APAC:14.2;EM:6.4;Other:0.6,Value:-0.2;Growth:+0.2;Quality:-0.2;Size:+0.1;Momentum:+0.9;LowVol:-0.8,MaxPos6%,6,25,4.4,hard 12%,122,24.5,Sideways,14.1,4.15,2.7,128,39,64,36,false,Rebalance,Shift +1% to bonds from equity,23,-19,BrokerD,LMT,98,None,None,Normal monitoring,38,-47,54,3,false,Within IPS guidelines
P4992,Systematic,401k,USD,2024-10-15,1457892,88428,1369464,1.0,62.9,20.9,8.2,8.0,AMZN:11.3%;QQQ:11.7%;XLF:20.7%;TSLA:22.9%;BRK.B:22.9%;IEF:10.5%,US:55.5;EU:20.7;APAC:8.4;EM:11.2;Other:4.2,Value:+1.0;Growth:+0.4;Quality:-0.2;Size:-0.4;Momentum:+0.1;LowVol:-0.4,,10,25,6.0,hard 12%,151,26.3,Bull,14.7,4.36,3.3,84,25,75,46,false,Rebalance,Shift +1% to bonds from equity,20,-27,BrokerB,MKT,96,None,None,Normal monitoring,94,0,215,4,false,Within IPS guidelines
P4993,Systematic,Taxable,USD,2024-11-25,1472976,75375,1397601,1.0,64.3,23.7,3.6,8.4,VOO:33.3%;TSLA:33.3%;XLF:33.3%,US:65.6;EU:11.2;APAC:6.4;EM:12.5;Other:4.4,Value:-0.7;Growth:+0.2;Quality:-0.4;Size:+0.1;Momentum:0.0;LowVol:+0.9,MaxPos7%,5,30,5.3,trailing 8%,216,23.1,Bear,23.7,4.17,2.3,139,-50,23,74,true,Hedge,Buy index puts 1% notional,11,-33,BrokerA,MKT,100,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,95,-35,94,2,false,Increase defensive factor exposure
P4994,Cautious,IRA,USD,2025-05-29,198781,26995,171786,1.0,46.6,42.1,0.4,10.9,VTI:21.1%;VNQ:12.9%;MSFT:20.4%;IEF:11.3%;AMZN:13.2%;BND:21.1%,US:66.6;EU:6.7;APAC:12.2;EM:9.7;Other:4.8,Value:+0.3;Growth:-0.2;Quality:+0.4;Size:-0.2;Momentum:-0.3;LowVol:-0.5,ESGOnly;MaxPos6%;NoMargin,8,30,4.6,trailing 10%,136,12.1,Volatile,27.1,5.14,2.7,138,29,51,64,false,Sell,Trim extended winner -1%,28,-7,BrokerA,MKT,86,None,None,Normal monitoring,93,-53,230,5,false,Increase defensive factor exposure
P4995,Cautious,Taxable,USD,2025-06-16,705015,73165,631850,1.0,46.9,31.6,11.2,10.3,GLD:33.3%;TLT:33.3%;XLF:33.3%,US:62.9;EU:18.2;APAC:13.4;EM:2.9;Other:2.5,Value:+0.2;Growth:-0.5;Quality:-1.0;Size:0.0;Momentum:-0.4;LowVol:-0.2,MaxPos7%;NoMargin,5,35,4.5,trailing 8%,134,17.8,Volatile,31.6,4.62,3.9,161,-26,34,68,false,Rebalance,Shift +1% to bonds from equity,15,0,BrokerB,MKT,100,None,None,Normal monitoring,-38,-41,-30,4,false,Tax-aware sells next window
P4996,Active,Roth,USD,2025-07-13,516119,38823,477296,1.0,58.2,31.9,4.0,5.9,AMZN:25.3%;TLT:24.0%;IEF:25.3%;VTI:25.3%,US:58.0;EU:16.5;APAC:13.7;EM:9.5;Other:2.4,Value:+1.0;Growth:-0.2;Quality:+0.3;Size:+0.1;Momentum:-0.5;LowVol:-0.6,MaxPos5%,7,30,5.6,trailing 9%,160,27.5,Volatile,27.3,4.53,2.8,155,-18,27,63,false,Rebalance,Shift +1% to bonds from equity,-3,-2,BrokerA,MKT,94,None,None,Normal monitoring,67,-20,70,3,false,Monitor dispersion and breadth
P4997,Cautious,IRA,USD,2025-09-26,432383,46366,386017,1.0,36.7,36.2,13.2,13.9,BND:33.3%;AMZN:33.3%;MUB:33.3%,US:69.0;EU:10.5;APAC:8.4;EM:7.8;Other:4.3,Value:+0.9;Growth:+0.6;Quality:0.0;Size:+0.6;Momentum:+0.3;LowVol:-0.6,NoMargin,5,30,4.7,trailing 8%,103,15.7,Bear,26.2,3.52,1.6,204,-16,56,50,false,Rebalance,Shift +1% to bonds from equity,27,-36,BrokerB,MKT,95,None,None,Normal monitoring,71,-23,76,3,false,Increase defensive factor exposure
P4998,Systematic,Trust,USD,2024-12-01,1570858,126024,1444834,1.0,65.0,25.0,4.2,5.8,MUB:23.8%;VOO:16.6%;VNQ:23.1%;HYG:23.8%;IEF:12.7%,US:75.1;EU:6.7;APAC:7.1;EM:9.1;Other:2.0,Value:+0.7;Growth:-0.1;Quality:+1.0;Size:+0.9;Momentum:+0.8;LowVol:-0.3,MaxPos8%,8,35,4.3,trailing 9%,156,22.2,Bull,11.8,3.64,2.1,106,87,79,43,false,Rebalance,Shift +1% to bonds from equity,17,12,BrokerA,LMT,100,None,None,Normal monitoring,37,-44,80,4,false,Tax-aware sells next window
P4999,Hands-off,Trust,USD,2024-07-28,231639,10633,221006,1.0,60.9,26.6,5.3,7.2,VTI:33.3%;TLT:33.3%;QQQ:33.3%,US:70.0;EU:12.3;APAC:6.5;EM:7.1;Other:4.1,Value:+0.4;Growth:+0.4;Quality:-0.6;Size:+0.9;Momentum:+0.9;LowVol:+0.6,,6,30,4.4,hard 10%,97,15.9,Sideways,21.3,4.94,2.5,92,13,60,62,false,Buy,Add to core equity +1%,-7,-16,BrokerB,LMT,96,None,None,Normal monitoring,-33,-59,29,4,false,Within IPS guidelines
P5000,Opportunistic,Roth,USD,2025-12-24,839441,63680,775761,1.14,76.0,12.7,2.3,8.9,MSFT:33.7%;BRK.B:33.7%;QQQ:32.5%,US:68.5;EU:13.5;APAC:6.8;EM:10.7;Other:0.5,Value:+0.1;Growth:+0.9;Quality:+0.1;Size:-0.4;Momentum:-0.7;LowVol:-0.3,MaxPos5%,6,25,5.6,hard 12%,198,28.4,Volatile,30.5,4.11,4.3,129,5,48,87,true,Rebalance,Rebalance back to target bands,14,-6,BrokerB,LMT,95,VAR>budget,Pause,Risk above budget threshold,-20,-41,102,3,false,Monitor dispersion and breadth
P5001,Active,IRA,USD,2024-08-12,568176,35948,532228,1.0,51.7,19.1,21.6,7.6,TLT:27.6%;MSFT:17.2%;QQQ:27.6%;VOO:27.6%,US:61.3;EU:18.5;APAC:11.8;EM:5.5;Other:3.0,Value:-0.6;Growth:-0.3;Quality:-0.2;Size:-0.3;Momentum:+0.5;LowVol:+0.5,,10,30,5.7,trailing 8%,216,27.3,Bull,11.3,4.38,2.4,85,62,87,29,false,Rebalance,Shift +1% to bonds from equity,1,15,BrokerB,MKT,97,None,None,Normal monitoring,109,-20,234,4,false,Within IPS guidelines
P5002,Opportunistic,IRA,USD,2024-10-11,1117097,72371,1044726,1.0,67.3,11.0,16.9,4.9,MUB:27.2%;HYG:27.2%;TLT:18.4%;TSLA:27.2%,US:72.0;EU:13.9;APAC:9.4;EM:3.1;Other:1.7,Value:-0.0;Growth:-0.2;Quality:+0.6;Size:+0.6;Momentum:-0.9;LowVol:+0.5,NoDerivatives,8,35,4.7,trailing 7%,251,30.6,Bear,32.3,3.46,2.2,202,29,58,76,true,Hedge,Buy index puts 1% notional,34,-18,BrokerA,MKT,98,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-15,18,70,2,false,Monitor dispersion and breadth
P5003,Active,Roth,USD,2025-06-13,1848569,163467,1685102,1.0,59.7,21.1,9.7,9.4,BND:28.9%;GLD:28.9%;VTI:13.4%;TLT:28.9%,US:79.1;EU:7.2;APAC:8.1;EM:5.5;Other:0.1,Value:-0.0;Growth:+0.6;Quality:+0.3;Size:-0.9;Momentum:+0.4;LowVol:-1.0,MaxPos6%,7,25,5.3,trailing 8%,133,18.0,Bull,16.4,3.75,3.0,102,37,67,42,false,Buy,Add to core equity +1%,23,-22,BrokerB,LMT,100,None,None,Normal monitoring,2,13,89,4,false,Tax-aware sells next window
P5004,Hands-off,401k,USD,2024-09-22,715206,59614,655592,1.0,71.1,23.6,0.0,5.2,QQQ:13.7%;AMZN:26.6%;BRK.B:14.8%;MSFT:18.2%;AAPL:26.6%,US:69.9;EU:9.1;APAC:9.9;EM:10.2;Other:1.0,Value:-0.6;Growth:-0.5;Quality:-0.0;Size:-0.1;Momentum:-0.5;LowVol:+0.1,,6,35,3.7,trailing 10%,124,18.5,Bull,13.4,4.38,2.2,77,16,64,49,true,Reduce,"Cut high-beta by 2-3%, add cash",-6,-10,BrokerC,MKT,85,RegimeShift,Hedge,Volatility spike and breadth deterioration,-5,-6,-22,2,false,Tighten stops on momentum names
P5005,Opportunistic,401k,USD,2025-12-10,771998,39015,732983,1.0,73.5,15.7,6.1,4.7,GLD:33.3%;VNQ:33.3%;XLF:33.3%,US:64.2;EU:9.3;APAC:12.7;EM:10.0;Other:3.9,Value:-0.0;Growth:+0.2;Quality:-0.7;Size:+0.5;Momentum:-0.5;LowVol:+0.9,NoDerivatives,5,25,5.2,trailing 9%,164,24.6,Sideways,15.4,4.67,2.9,94,58,89,51,false,Rebalance,Shift +1% to bonds from equity,12,7,BrokerA,MKT,87,None,None,Normal monitoring,0,2,3,3,false,Tax-aware sells next window
P5006,Opportunistic,Trust,USD,2025-09-27,537796,26646,511150,1.0,73.4,20.6,0.0,5.9,VTI:33.3%;HYG:33.3%;IEF:33.3%,US:66.9;EU:16.9;APAC:9.0;EM:4.9;Other:2.3,Value:+0.8;Growth:-0.1;Quality:-0.1;Size:+0.4;Momentum:+0.8;LowVol:-0.8,NoDerivatives,7,35,4.8,trailing 9%,265,30.5,Bull,16.6,4.08,2.8,100,30,64,66,false,Hedge,Add TLT +1% as duration hedge,30,6,BrokerC,MKT,97,None,None,Normal monitoring,-57,3,-27,5,false,Within IPS guidelines
P5007,Systematic,Taxable,USD,2025-10-12,1019376,51874,967502,1.0,57.0,22.3,14.5,6.1,MUB:33.3%;GLD:33.3%;VOO:33.3%,US:75.1;EU:5.7;APAC:7.0;EM:9.4;Other:2.8,Value:-0.2;Growth:+1.0;Quality:-0.7;Size:+0.4;Momentum:-0.8;LowVol:-0.8,,8,30,5.5,trailing 8%,184,24.4,Volatile,21.5,4.88,3.8,164,4,45,64,false,Sell,Trim extended winner -1%,-8,-5,BrokerD,MKT,95,None,None,Normal monitoring,102,-6,147,5,false,Monitor dispersion and breadth
P5008,Systematic,IRA,USD,2025-06-11,755422,64655,690767,1.0,61.0,33.7,0.0,5.2,BRK.B:12.2%;QQQ:20.1%;MSFT:19.6%;TSLA:17.2%;TLT:19.6%;AAPL:11.4%,US:77.3;EU:8.2;APAC:8.6;EM:4.6;Other:1.3,Value:-0.9;Growth:0.0;Quality:-0.4;Size:+0.5;Momentum:-0.5;LowVol:-0.3,,5,30,4.6,hard 12%,129,20.5,Sideways,21.9,3.84,3.0,120,-15,38,68,false,Rebalance,Shift +1% to bonds from equity,13,11,BrokerD,LMT,97,None,None,Normal monitoring,87,-48,87,4,false,Tighten stops on momentum names
P5009,Cautious,401k,USD,2025-05-21,508884,81100,427784,1.0,37.4,35.9,11.3,15.5,VTI:33.3%;AMZN:33.3%;MUB:33.3%,US:63.9;EU:13.3;APAC:10.6;EM:9.0;Other:3.2,Value:+0.6;Growth:-0.8;Quality:+0.1;Size:-0.2;Momentum:-0.4;LowVol:-0.2,NoMargin,8,30,3.6,trailing 8%,153,15.9,Volatile,21.3,5.33,4.2,167,65,84,35,true,Reduce,"Cut high-beta by 2-3%, add cash",-1,-28,BrokerC,LMT,94,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,87,-38,79,2,false,Increase defensive factor exposure
P5010,Systematic,Roth,USD,2024-12-02,1993979,152455,1841524,1.0,58.0,33.8,0.0,8.2,GLD:33.3%;VTI:33.3%;TLT:33.3%,US:65.3;EU:6.9;APAC:13.6;EM:9.0;Other:5.1,Value:-0.2;Growth:+0.3;Quality:+0.1;Size:-0.1;Momentum:+0.1;LowVol:+0.6,,10,30,5.9,hard 12%,153,23.3,Volatile,29.8,4.05,2.1,160,11,45,76,true,Reduce,"Cut high-beta by 2-3%, add cash",9,-14,BrokerD,MKT,89,Drift>tolerance,Hedge,Allocation drift beyond policy bands,8,-60,55,3,false,Tighten stops on momentum names
P5011,Opportunistic,Roth,USD,2024-11-19,736785,56118,680667,1.23,67.1,18.8,5.4,8.6,GLD:12.6%;TLT:12.8%;QQQ:23.5%;AMZN:23.5%;IEF:12.5%;MUB:15.1%,US:71.2;EU:10.9;APAC:6.3;EM:6.9;Other:4.8,Value:+0.7;Growth:-0.3;Quality:-0.5;Size:+0.9;Momentum:-1.0;LowVol:-0.7,NoDerivatives,5,25,6.4,trailing 9%,164,23.6,Bear,25.4,4.3,2.9,170,-19,44,75,true,Hedge,Buy index puts 1% notional,25,-38,BrokerB,MKT,86,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-50,10,51,4,false,Monitor dispersion and breadth
P5012,Active,Taxable,USD,2025-04-16,1055147,120412,934735,1.0,62.3,18.4,13.8,5.5,MSFT:17.1%;TSLA:21.7%;TLT:7.4%;BRK.B:21.7%;VNQ:21.4%;XLF:10.8%,US:65.8;EU:14.5;APAC:8.6;EM:9.0;Other:2.0,Value:-0.4;Growth:-0.9;Quality:-0.9;Size:+0.1;Momentum:+0.4;LowVol:-0.2,MaxPos7%;NoDerivatives,8,25,4.1,trailing 9%,126,20.3,Bull,15.1,3.56,3.5,88,115,100,41,true,Reduce,"Cut high-beta by 2-3%, add cash",-10,3,BrokerD,LMT,93,Drift>tolerance,Pause,Allocation drift beyond policy bands,-52,-40,-16,5,true,Tighten stops on momentum names
P5013,Systematic,401k,USD,2024-11-09,1429689,81251,1348438,1.0,59.7,22.5,9.5,8.4,AAPL:17.7%;AMZN:14.7%;VTI:15.1%;VNQ:19.8%;BRK.B:20.0%;BND:12.7%,US:64.0;EU:13.7;APAC:12.4;EM:7.6;Other:2.3,Value:-0.8;Growth:-0.9;Quality:+0.6;Size:-0.8;Momentum:-1.0;LowVol:+0.5,,5,30,5.8,hard 12%,192,19.8,Bear,22.5,3.4,2.5,206,-74,10,70,false,Sell,Trim extended winner -1%,10,-27,BrokerC,VWAP,93,None,None,Normal monitoring,99,-18,123,3,false,Within IPS guidelines
P5014,Hands-off,IRA,USD,2025-06-02,734253,47006,687247,1.0,60.4,25.0,8.8,5.8,VOO:33.3%;HYG:33.3%;TLT:33.3%,US:60.4;EU:16.9;APAC:14.5;EM:6.9;Other:1.3,Value:-0.4;Growth:-0.5;Quality:+0.2;Size:-0.4;Momentum:-0.7;LowVol:+0.3,,6,25,3.5,hard 10%,142,12.3,Sideways,19.5,4.63,2.3,103,6,54,47,false,Buy,Add to core equity +1%,10,-23,BrokerA,MKT,92,None,None,Normal monitoring,-31,19,-56,4,false,Increase defensive factor exposure
P5015,Active,Roth,USD,2025-12-20,1348595,157939,1190656,1.12,50.8,20.1,22.8,6.4,VTI:16.2%;VOO:28.8%;TLT:28.8%;MSFT:26.2%,US:69.9;EU:10.8;APAC:13.6;EM:5.7;Other:0.1,Value:-0.7;Growth:+0.2;Quality:-0.6;Size:+0.9;Momentum:+0.5;LowVol:-0.0,,6,35,5.7,trailing 8%,169,23.1,Sideways,16.6,3.72,3.2,93,-7,53,42,true,Hedge,Buy index puts 1% notional,31,-25,BrokerA,VWAP,95,Drift>tolerance,Reduce,Allocation drift beyond policy bands,53,-23,119,4,false,Within IPS guidelines
P5016,Opportunistic,Trust,USD,2025-07-12,1759086,57220,1701866,1.0,72.0,13.2,9.2,5.6,BRK.B:25.0%;MSFT:25.0%;TLT:25.0%;AAPL:25.0%,US:62.7;EU:14.5;APAC:11.7;EM:10.3;Other:0.8,Value:+0.3;Growth:-0.7;Quality:-0.9;Size:+1.0;Momentum:-0.6;LowVol:+0.3,NoDerivatives,8,25,4.3,trailing 7%,163,26.5,Sideways,15.0,4.65,3.3,101,27,78,44,false,Rebalance,Shift +1% to bonds from equity,-1,-25,BrokerD,VWAP,93,None,None,Normal monitoring,8,-39,66,4,false,Monitor dispersion and breadth
P5017,Opportunistic,Taxable,USD,2024-11-28,922024,70849,851175,1.0,72.4,21.3,2.1,4.2,BND:33.6%;TLT:32.8%;VOO:33.6%,US:68.3;EU:6.9;APAC:13.5;EM:8.0;Other:3.4,Value:+0.5;Growth:-0.6;Quality:+1.0;Size:-0.6;Momentum:-1.0;LowVol:-0.0,MaxPos6%,6,25,5.3,trailing 7%,208,32.4,Sideways,19.3,4.37,3.1,137,16,69,69,false,Sell,Trim extended winner -1%,2,-34,BrokerB,MKT,91,None,None,Normal monitoring,3,6,64,5,false,Increase defensive factor exposure
P5018,Systematic,Taxable,USD,2024-12-28,433035,25811,407224,1.0,57.6,32.3,2.5,7.5,GLD:37.5%;MSFT:25.0%;VTI:37.5%,US:61.2;EU:7.2;APAC:14.6;EM:12.7;Other:4.4,Value:-0.2;Growth:+0.8;Quality:-0.2;Size:+0.1;Momentum:-0.5;LowVol:-0.2,,7,30,5.3,trailing 9%,230,16.6,Bull,11.8,4.34,3.2,88,114,100,35,false,NoAction,Within bands; monitor,-8,9,BrokerB,MKT,0,None,None,Normal monitoring,51,9,34,5,false,Tighten stops on momentum names
P5019,Hands-off,401k,USD,2025-07-06,295432,26572,268860,1.0,65.5,25.7,2.6,6.1,TLT:20.6%;VNQ:6.5%;BRK.B:20.2%;GLD:20.6%;BND:11.9%;XLF:20.2%,US:62.8;EU:13.4;APAC:10.8;EM:9.6;Other:3.4,Value:+0.8;Growth:+0.1;Quality:-0.2;Size:-0.9;Momentum:-0.8;LowVol:-0.7,ESGOnly;NoDerivatives,6,25,4.0,trailing 8%,169,17.9,Bear,26.3,4.26,2.6,205,-48,13,79,true,Rebalance,Rebalance back to target bands,9,-1,BrokerD,MKT,98,Drift>tolerance,Hedge,Allocation drift beyond policy bands,40,-43,155,3,false,Tighten stops on momentum names
P5020,Cautious,IRA,USD,2025-07-19,531731,47025,484706,1.0,39.8,32.3,13.5,14.5,MSFT:12.7%;BRK.B:22.2%;VOO:21.3%;XLF:21.5%;TLT:22.2%,US:75.5;EU:8.4;APAC:9.6;EM:5.6;Other:0.8,Value:-0.4;Growth:-0.6;Quality:+0.1;Size:+0.4;Momentum:+0.4;LowVol:+0.2,ESGOnly;NoMargin,5,35,4.0,trailing 8%,105,13.7,Bull,13.1,4.72,2.5,118,64,79,25,false,NoAction,Within bands; monitor,28,0,BrokerB,LMT,100,None,None,Normal monitoring,-44,3,-23,5,false,Monitor dispersion and breadth
P5021,Active,401k,USD,2025-05-18,2240566,255138,1985428,1.0,50.9,20.0,20.1,9.0,QQQ:6.8%;MUB:11.7%;HYG:20.4%;VOO:21.3%;VNQ:21.4%;AAPL:18.5%,US:68.8;EU:10.6;APAC:12.1;EM:4.2;Other:4.3,Value:+0.4;Growth:0.0;Quality:+0.4;Size:+0.3;Momentum:+0.1;LowVol:-0.7,,8,25,5.4,hard 12%,181,20.8,Bull,14.4,4.07,2.0,88,44,79,45,false,Buy,Add to core equity +1%,32,-12,BrokerA,MKT,94,None,None,Normal monitoring,-29,-41,-46,5,false,Tax-aware sells next window
P5022,Hands-off,IRA,USD,2024-08-27,433910,38093,395817,1.0,66.9,20.4,6.6,6.1,HYG:16.1%;XLF:20.5%;AMZN:16.4%;BND:16.5%;GLD:10.1%;BRK.B:20.5%,US:75.8;EU:7.6;APAC:7.7;EM:6.0;Other:2.9,Value:-1.0;Growth:+0.5;Quality:+0.1;Size:+0.2;Momentum:+0.1;LowVol:-0.5,,10,30,3.4,hard 10%,125,13.8,Sideways,15.0,4.98,2.2,112,-20,39,53,false,Buy,Add to core equity +1%,5,-39,BrokerB,LMT,86,None,None,Normal monitoring,45,-35,169,3,false,Increase defensive factor exposure
P5023,Opportunistic,Roth,USD,2024-11-16,617126,33633,583493,1.13,70.2,18.3,3.1,8.4,GLD:33.3%;XLF:33.3%;MSFT:33.3%,US:71.7;EU:6.5;APAC:12.5;EM:5.6;Other:3.6,Value:-0.9;Growth:0.0;Quality:-0.6;Size:+0.4;Momentum:-0.7;LowVol:-0.6,NoDerivatives,8,25,6.9,trailing 9%,215,32.5,Bear,23.0,4.48,1.0,159,12,58,72,true,Hedge,Buy index puts 1% notional,20,8,BrokerC,LMT,97,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-4,-34,132,4,false,Tighten stops on momentum names
P5024,Hands-off,Trust,USD,2024-11-26,350715,24847,325868,1.0,64.9,23.3,2.0,9.8,BRK.B:15.5%;AMZN:12.3%;BND:16.0%;GLD:21.4%;VOO:13.2%;MSFT:21.7%,US:66.3;EU:13.0;APAC:12.8;EM:7.0;Other:1.0,Value:-0.0;Growth:-0.1;Quality:+0.7;Size:-0.6;Momentum:+0.7;LowVol:-0.5,ESGOnly,6,35,5.0,hard 10%,151,18.1,Bull,13.5,5.0,3.0,114,74,96,54,false,Buy,Add to core equity +1%,-5,9,BrokerA,MKT,85,None,None,Normal monitoring,-54,-8,20,5,false,Within IPS guidelines
P5025,Cautious,401k,USD,2025-10-05,240180,21395,218785,1.0,47.9,36.7,3.8,11.6,TSLA:33.3%;AAPL:33.3%;XLF:33.3%,US:67.9;EU:12.9;APAC:13.3;EM:5.3;Other:0.6,Value:-1.0;Growth:+0.3;Quality:-0.2;Size:+0.6;Momentum:-1.0;LowVol:-0.7,ESGOnly;MaxPos8%;NoDerivatives;NoMargin,10,25,3.3,hard 10%,143,16.7,Sideways,15.5,4.26,3.3,138,-1,64,34,false,Rebalance,Shift +1% to bonds from equity,21,-11,BrokerB,MKT,88,None,None,Normal monitoring,71,-16,83,5,false,Increase defensive factor exposure
P5026,Systematic,Trust,USD,2024-09-21,967775,57045,910730,1.0,61.0,31.4,0.0,7.6,IEF:28.5%;HYG:28.5%;GLD:21.2%;AMZN:21.7%,US:62.9;EU:17.5;APAC:8.8;EM:9.1;Other:1.6,Value:+0.9;Growth:+0.4;Quality:+0.6;Size:+0.7;Momentum:+0.8;LowVol:+0.4,,5,30,5.6,hard 12%,212,26.0,Bull,11.7,4.47,2.8,110,48,67,38,false,Hedge,Add TLT +1% as duration hedge,-1,5,BrokerC,LMT,96,None,None,Normal monitoring,42,17,32,3,false,Within IPS guidelines
P5027,Cautious,401k,USD,2025-02-24,459962,63624,396338,1.0,44.7,41.6,0.0,13.7,HYG:25.0%;TSLA:25.0%;IEF:25.0%;BRK.B:25.0%,US:65.6;EU:17.4;APAC:7.9;EM:8.0;Other:1.1,Value:+0.1;Growth:+0.7;Quality:-0.7;Size:+0.1;Momentum:-0.4;LowVol:+0.5,NoMargin,6,35,3.1,trailing 8%,165,13.1,Volatile,21.2,5.28,2.4,137,-58,17,47,true,Hedge,Buy index puts 1% notional,11,-21,BrokerB,LMT,95,Drift>tolerance,Hedge,Allocation drift beyond policy bands,65,20,99,5,false,Within IPS guidelines
P5028,Systematic,Roth,USD,2024-12-29,1623146,137760,1485386,1.0,61.2,24.6,5.7,8.5,IEF:33.3%;TLT:33.3%;AMZN:33.3%,US:75.6;EU:11.5;APAC:7.1;EM:3.5;Other:2.2,Value:+0.5;Growth:+0.1;Quality:+0.9;Size:+0.2;Momentum:-0.2;LowVol:-0.7,,7,25,4.7,trailing 9%,214,17.9,Volatile,27.3,4.79,3.2,148,-59,22,68,false,Rebalance,Shift +1% to bonds from equity,-8,-14,BrokerA,MKT,86,None,None,Normal monitoring,-55,-59,19,4,false,Increase defensive factor exposure
P5029,Opportunistic,Roth,USD,2025-01-06,1388594,79289,1309305,1.05,73.6,12.5,7.5,6.3,TSLA:21.9%;MSFT:16.4%;VNQ:21.9%;VTI:21.9%;MUB:17.9%,US:61.9;EU:17.0;APAC:11.6;EM:8.2;Other:1.3,Value:+0.2;Growth:+0.6;Quality:-0.4;Size:0.0;Momentum:-0.7;LowVol:-0.1,,7,25,5.6,trailing 7%,247,23.6,Volatile,29.1,4.17,3.5,163,54,63,90,true,Reduce,"Cut high-beta by 2-3%, add cash",31,-30,BrokerC,LMT,95,VAR>budget,Reduce,Risk above budget threshold,108,-9,219,2,false,Increase defensive factor exposure
P5030,Hands-off,Taxable,USD,2024-07-24,787607,57524,730083,1.0,58.8,24.5,11.0,5.7,VOO:10.0%;VTI:21.1%;TSLA:12.1%;AAPL:21.1%;TLT:19.9%;HYG:15.6%,US:67.9;EU:11.5;APAC:9.1;EM:9.6;Other:2.0,Value:+1.0;Growth:-0.7;Quality:-0.9;Size:-0.5;Momentum:-0.0;LowVol:+0.2,ESGOnly,7,35,6.0,trailing 10%,119,17.3,Bear,28.5,3.33,1.1,170,-40,28,80,true,Rebalance,Rebalance back to target bands,21,-36,BrokerB,LMT,89,VAR>budget,TightenStops,Risk above budget threshold,-53,-2,-5,3,false,Within IPS guidelines
P5031,Cautious,401k,USD,2025-06-14,199815,21225,178590,1.0,43.0,32.3,10.9,13.9,GLD:26.9%;MSFT:26.9%;HYG:26.9%;XLF:19.3%,US:61.4;EU:16.0;APAC:13.6;EM:4.2;Other:4.8,Value:+0.7;Growth:-0.9;Quality:+0.3;Size:+1.0;Momentum:-0.6;LowVol:+1.0,NoDerivatives;NoMargin,6,35,5.0,hard 10%,145,19.7,Volatile,29.3,4.49,2.6,139,-49,19,60,false,Rebalance,Shift +1% to bonds from equity,-9,-39,BrokerA,MKT,95,None,None,Normal monitoring,64,-8,44,4,false,Tax-aware sells next window
P5032,Opportunistic,IRA,USD,2024-10-19,1397469,42396,1355073,1.22,60.9,15.2,17.4,6.5,XLF:17.0%;VTI:25.6%;IEF:11.8%;BND:25.6%;HYG:20.1%,US:72.3;EU:7.2;APAC:6.8;EM:12.7;Other:1.0,Value:-0.3;Growth:-0.6;Quality:-0.8;Size:-0.5;Momentum:-0.2;LowVol:-0.9,,6,30,5.6,hard 12%,191,26.0,Sideways,14.7,4.74,2.6,119,-30,42,37,false,Rebalance,Shift +1% to bonds from equity,15,-13,BrokerB,MKT,93,None,None,Normal monitoring,114,-9,217,4,false,Monitor dispersion and breadth
P5033,Hands-off,IRA,USD,2024-10-21,772549,35055,737494,1.0,68.8,25.2,0.0,5.9,VOO:35.2%;TSLA:30.4%;MSFT:34.4%,US:65.0;EU:6.6;APAC:14.3;EM:10.2;Other:3.8,Value:-0.9;Growth:+0.5;Quality:-0.7;Size:+1.0;Momentum:+0.2;LowVol:-0.8,ESGOnly,8,30,3.2,trailing 8%,99,14.3,Volatile,27.8,4.09,3.6,142,9,54,85,true,Hedge,Buy index puts 1% notional,24,-2,BrokerD,MKT,88,VAR>budget,TightenStops,Risk above budget threshold,67,-60,160,5,false,Within IPS guidelines
P5034,Active,Trust,USD,2025-01-17,521497,35900,485597,1.23,58.0,22.8,12.0,7.2,VNQ:12.1%;BRK.B:20.3%;TLT:23.2%;IEF:21.3%;HYG:23.2%,US:73.3;EU:8.9;APAC:8.6;EM:5.3;Other:4.0,Value:+0.2;Growth:+0.4;Quality:+0.2;Size:+0.8;Momentum:+0.5;LowVol:+1.0,,8,30,6.0,hard 12%,198,24.6,Sideways,14.0,4.37,2.2,101,15,43,34,false,Sell,Trim extended winner -1%,-1,-2,BrokerD,LMT,89,None,None,Normal monitoring,3,7,106,5,false,Monitor dispersion and breadth
P5035,Active,Taxable,USD,2025-04-05,1287516,90602,1196914,1.09,55.2,21.9,13.2,9.7,VTI:29.0%;QQQ:16.1%;AMZN:25.8%;BND:29.0%,US:64.5;EU:9.3;APAC:10.5;EM:10.9;Other:4.8,Value:+0.9;Growth:-0.6;Quality:+0.9;Size:-0.8;Momentum:-0.7;LowVol:+0.3,,6,35,5.9,trailing 8%,227,23.0,Bull,18.0,3.79,3.2,86,100,89,45,true,Rebalance,Rebalance back to target bands,14,-17,BrokerA,LMT,91,RegimeShift,Reduce,Volatility spike and breadth deterioration,28,-1,150,2,false,Within IPS guidelines
P5036,Cautious,IRA,USD,2025-07-26,884869,127878,756991,1.0,37.5,41.5,10.3,10.7,MUB:21.5%;VTI:21.5%;MSFT:21.5%;VOO:16.1%;AMZN:19.3%,US:78.9;EU:9.8;APAC:7.1;EM:3.8;Other:0.3,Value:+0.9;Growth:-0.0;Quality:-0.9;Size:+0.5;Momentum:-0.6;LowVol:+0.4,ESGOnly;MaxPos6%;NoMargin,6,25,4.4,trailing 8%,140,15.3,Bear,23.3,3.65,2.3,142,39,60,42,false,Buy,Add to core equity +1%,30,3,BrokerB,MKT,95,None,None,Normal monitoring,-5,-34,97,4,false,Increase defensive factor exposure
P5037,Opportunistic,Taxable,USD,2025-09-30,411546,16305,395241,1.0,74.5,10.0,7.3,8.2,BRK.B:15.1%;XLF:23.4%;TSLA:23.4%;HYG:22.8%;AAPL:15.2%,US:69.0;EU:13.8;APAC:7.4;EM:8.1;Other:1.7,Value:-0.4;Growth:-0.2;Quality:+0.6;Size:+0.7;Momentum:0.0;LowVol:0.0,NoDerivatives,10,30,5.3,trailing 7%,244,22.3,Bull,14.3,3.59,3.3,75,90,93,59,false,NoAction,Within bands; monitor,13,3,BrokerB,MKT,0,None,None,Normal monitoring,59,-59,26,5,false,Tax-aware sells next window
P5038,Opportunistic,Roth,USD,2025-10-15,409019,34954,374065,1.13,73.7,20.2,0.0,6.1,BRK.B:20.9%;QQQ:13.8%;HYG:17.7%;MSFT:14.3%;BND:16.8%;TSLA:16.5%,US:64.4;EU:8.8;APAC:10.5;EM:11.5;Other:4.9,Value:-0.6;Growth:-0.9;Quality:+0.5;Size:+0.4;Momentum:-0.2;LowVol:+0.7,,5,30,5.4,trailing 7%,248,34.8,Bear,28.0,4.33,1.9,178,29,56,88,true,Hedge,Buy index puts 1% notional,15,-28,BrokerB,VWAP,87,Drift>tolerance,Reduce,Allocation drift beyond policy bands,28,1,8,3,false,Increase defensive factor exposure
P5039,Active,Roth,USD,2025-01-21,1459439,158885,1300554,1.0,50.8,18.4,23.6,7.2,XLF:31.0%;MSFT:34.5%;TSLA:34.5%,US:71.3;EU:9.2;APAC:7.7;EM:9.4;Other:2.4,Value:-0.7;Growth:-0.7;Quality:+0.6;Size:-0.6;Momentum:+0.8;LowVol:+0.9,MaxPos8%,6,25,4.4,trailing 9%,130,18.2,Volatile,23.8,4.46,2.2,152,-22,47,48,true,Hedge,Buy index puts 1% notional,28,10,BrokerB,LMT,96,VAR>budget,TightenStops,Risk above budget threshold,93,14,227,2,false,Within IPS guidelines
P5040,Cautious,Taxable,USD,2024-12-22,335746,53448,282298,1.0,41.3,44.7,0.7,13.4,MSFT:33.3%;VTI:33.3%;MUB:33.3%,US:77.9;EU:6.2;APAC:9.3;EM:6.3;Other:0.3,Value:+0.5;Growth:+0.1;Quality:+0.9;Size:+1.0;Momentum:-0.9;LowVol:-0.9,MaxPos6%;NoDerivatives;NoMargin,5,30,4.7,hard 10%,97,15.0,Sideways,16.3,4.96,2.8,97,-22,33,39,false,Rebalance,Shift +1% to bonds from equity,28,7,BrokerA,VWAP,89,None,None,Normal monitoring,68,-45,198,4,false,Within IPS guidelines
P5041,Hands-off,IRA,USD,2024-11-04,587020,33362,553658,1.0,63.6,26.9,0.0,9.5,IEF:33.3%;VNQ:33.3%;TLT:33.3%,US:59.1;EU:16.2;APAC:7.3;EM:11.9;Other:5.6,Value:-0.4;Growth:-0.5;Quality:-0.8;Size:-0.6;Momentum:+0.7;LowVol:+0.8,ESGOnly;MaxPos6%,10,30,4.1,trailing 8%,131,19.8,Sideways,21.0,4.59,2.8,128,17,52,64,false,Rebalance,Shift +1% to bonds from equity,-13,-12,BrokerB,MKT,88,None,None,Normal monitoring,114,-51,99,5,false,Monitor dispersion and breadth
P5042,Opportunistic,401k,USD,2025-03-27,1310432,47258,1263174,1.0,62.4,17.9,15.2,4.6,AMZN:16.2%;MUB:14.8%;MSFT:17.7%;BND:20.3%;XLF:10.6%;VNQ:20.5%,US:67.1;EU:13.0;APAC:7.9;EM:9.9;Other:2.2,Value:+0.7;Growth:-0.1;Quality:+0.7;Size:-1.0;Momentum:+0.6;LowVol:+0.7,MaxPos5%,5,35,5.0,hard 12%,252,29.2,Bull,12.0,4.27,3.5,104,107,95,35,false,Sell,Trim extended winner -1%,22,5,BrokerB,LMT,98,None,None,Normal monitoring,99,-20,111,3,false,Tax-aware sells next window
P5043,Active,Trust,USD,2025-12-01,642309,72417,569892,1.0,56.5,20.9,13.1,9.4,AMZN:8.9%;VTI:15.5%;MUB:17.3%;XLF:22.7%;HYG:12.8%;QQQ:22.7%,US:64.8;EU:14.1;APAC:5.2;EM:11.6;Other:4.3,Value:-0.1;Growth:+0.4;Quality:-0.6;Size:+0.4;Momentum:+0.6;LowVol:+0.7,NoDerivatives,7,30,4.8,trailing 9%,144,25.6,Bear,26.7,3.99,2.9,132,-117,5,64,false,Rebalance,Shift +1% to bonds from equity,32,-12,BrokerD,LMT,96,None,None,Normal monitoring,-22,-29,42,4,false,Within IPS guidelines
P5044,Opportunistic,IRA,USD,2025-10-18,934607,75399,859208,1.08,67.9,14.6,12.1,5.4,HYG:26.1%;BRK.B:21.8%;AAPL:26.1%;QQQ:26.1%,US:66.0;EU:14.9;APAC:9.1;EM:5.9;Other:4.1,Value:-0.5;Growth:+0.8;Quality:-0.2;Size:-1.0;Momentum:-0.9;LowVol:-0.5,MaxPos8%,6,35,5.8,trailing 9%,200,33.4,Volatile,29.5,3.57,3.5,145,4,57,80,true,Rebalance,Rebalance back to target bands,11,-36,BrokerA,LMT,89,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-55,18,11,4,false,Tax-aware sells next window
P5045,Opportunistic,401k,USD,2024-11-16,1084517,53719,1030798,1.0,65.2,17.0,9.9,7.9,MUB:26.7%;GLD:19.8%;TLT:26.7%;XLF:26.7%,US:73.4;EU:6.6;APAC:5.8;EM:10.0;Other:4.2,Value:-0.0;Growth:0.0;Quality:+0.9;Size:+0.1;Momentum:-0.8;LowVol:+0.2,,5,35,6.5,trailing 7%,171,34.8,Bull,16.6,3.66,3.1,102,25,74,53,false,Sell,Trim extended winner -1%,5,-38,BrokerC,LMT,95,None,None,Normal monitoring,-45,-15,-22,4,false,Tighten stops on momentum names
P5046,Systematic,Roth,USD,2025-12-15,549135,39383,509752,1.0,62.1,29.6,0.0,8.3,VNQ:33.3%;IEF:33.3%;TLT:33.3%,US:73.1;EU:11.5;APAC:7.3;EM:4.0;Other:4.1,Value:-0.2;Growth:-0.5;Quality:-0.7;Size:-0.1;Momentum:+0.7;LowVol:-0.4,,7,35,6.0,trailing 9%,209,17.8,Bear,26.8,3.18,2.8,139,-90,14,67,true,Hedge,Buy index puts 1% notional,18,-9,BrokerB,LMT,91,VAR>budget,TightenStops,Risk above budget threshold,90,-47,223,5,false,Monitor dispersion and breadth
P5047,Hands-off,Roth,USD,2025-09-24,652006,41358,610648,1.0,66.9,25.5,0.0,7.7,HYG:22.1%;AAPL:18.0%;XLF:22.1%;BND:15.6%;VOO:22.1%,US:63.5;EU:12.3;APAC:14.9;EM:8.7;Other:0.6,Value:0.0;Growth:+0.7;Quality:+0.5;Size:+0.1;Momentum:+0.7;LowVol:+0.8,,8,35,5.4,trailing 10%,156,19.4,Bear,26.1,4.33,1.1,191,13,65,68,false,Rebalance,Shift +1% to bonds from equity,11,4,BrokerC,MKT,88,None,None,Normal monitoring,14,-54,141,5,false,Monitor dispersion and breadth
P5048,Systematic,Trust,USD,2025-11-15,735366,39290,696076,1.0,64.7,23.0,3.5,8.8,BRK.B:11.3%;BND:24.2%;MUB:10.9%;IEF:13.9%;AMZN:24.2%;VOO:15.5%,US:68.6;EU:14.5;APAC:8.5;EM:4.6;Other:3.9,Value:+0.6;Growth:+1.0;Quality:-0.2;Size:-0.2;Momentum:-0.7;LowVol:+0.2,MaxPos6%,6,30,5.0,trailing 9%,126,19.4,Bull,17.5,4.46,2.7,81,22,72,49,false,Buy,Add to core equity +1%,0,-39,BrokerD,MKT,97,None,None,Normal monitoring,53,-4,138,3,false,Within IPS guidelines
P5049,Cautious,IRA,USD,2025-08-11,885389,101478,783911,1.0,50.0,30.3,4.8,15.0,AMZN:22.1%;AAPL:17.2%;TSLA:16.5%;QQQ:22.1%;TLT:22.1%,US:60.1;EU:17.0;APAC:9.6;EM:8.8;Other:4.4,Value:-0.3;Growth:+0.4;Quality:+0.9;Size:-0.1;Momentum:-0.5;LowVol:-0.2,ESGOnly;MaxPos7%;NoMargin,10,35,6.0,trailing 8%,157,18.6,Bull,18.0,3.55,3.1,100,97,96,39,false,Buy,Add to core equity +1%,12,-12,BrokerA,MKT,95,None,None,Normal monitoring,109,-52,164,3,false,Increase defensive factor exposure
P5050,Active,401k,USD,2025-07-17,590367,64682,525685,1.0,55.7,19.9,18.2,6.2,IEF:33.3%;AMZN:33.3%;AAPL:33.3%,US:66.9;EU:12.5;APAC:14.0;EM:5.2;Other:1.3,Value:+0.9;Growth:+0.9;Quality:+0.2;Size:+0.3;Momentum:-0.1;LowVol:+0.7,,10,35,5.2,hard 12%,205,27.2,Bear,26.0,3.87,1.3,181,-24,29,58,false,Buy,Add to core equity +1%,24,9,BrokerD,MKT,91,None,None,Normal monitoring,-33,-4,-64,5,false,Increase defensive factor exposure
P5051,Active,Trust,USD,2025-09-09,1844547,156864,1687683,1.0,54.4,28.7,7.5,9.4,HYG:26.3%;AAPL:26.3%;VOO:21.2%;IEF:26.3%,US:55.1;EU:19.7;APAC:15.3;EM:4.8;Other:5.1,Value:+0.7;Growth:+0.1;Quality:0.0;Size:+0.2;Momentum:+0.9;LowVol:+0.3,,10,25,4.2,trailing 9%,179,25.8,Bull,15.3,4.04,2.7,108,40,70,44,true,Hedge,Buy index puts 1% notional,33,-34,BrokerC,MKT,95,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,73,13,35,2,false,Tax-aware sells next window
P5052,Hands-off,IRA,USD,2025-05-08,846102,41576,804526,1.0,69.1,18.9,6.3,5.6,XLF:10.0%;AMZN:22.2%;GLD:11.0%;MUB:13.9%;QQQ:20.7%;VOO:22.2%,US:59.5;EU:10.6;APAC:15.9;EM:13.5;Other:0.4,Value:+0.8;Growth:+0.8;Quality:+0.7;Size:+0.8;Momentum:-0.6;LowVol:+0.8,MaxPos7%,8,30,4.7,hard 10%,147,13.6,Volatile,23.5,4.03,2.5,177,-31,36,62,false,Buy,Add to core equity +1%,27,-5,BrokerC,LMT,96,None,None,Normal monitoring,66,-1,83,4,false,Tighten stops on momentum names
P5053,Systematic,Taxable,USD,2025-12-12,818912,66219,752693,1.0,65.1,27.6,0.1,7.2,AMZN:13.3%;QQQ:9.0%;VTI:21.0%;IEF:17.2%;TSLA:17.8%;VOO:21.5%,US:70.3;EU:10.8;APAC:11.1;EM:7.2;Other:0.6,Value:+0.1;Growth:+0.8;Quality:-0.9;Size:-1.0;Momentum:+0.2;LowVol:-0.3,MaxPos5%,6,30,5.8,hard 12%,221,25.2,Bull,11.6,4.59,2.8,116,51,88,35,true,Hedge,Buy index puts 1% notional,30,-31,BrokerD,MKT,98,RegimeShift,Hedge,Volatility spike and breadth deterioration,115,4,169,5,false,Tax-aware sells next window
P5054,Hands-off,Roth,USD,2024-10-05,488733,25161,463572,1.0,65.0,24.7,4.1,6.1,TLT:36.8%;MSFT:36.8%;BRK.B:26.4%,US:68.3;EU:12.1;APAC:8.4;EM:10.3;Other:0.8,Value:-0.8;Growth:-0.5;Quality:-0.2;Size:+0.4;Momentum:+0.1;LowVol:-0.4,,5,35,5.1,trailing 8%,149,14.9,Volatile,31.4,4.55,2.5,125,60,89,80,true,Rebalance,Rebalance back to target bands,6,-18,BrokerB,MKT,100,Drift>tolerance,Pause,Allocation drift beyond policy bands,-60,12,43,4,false,Monitor dispersion and breadth
P5055,Cautious,Roth,USD,2024-07-21,183784,27872,155912,1.0,52.5,30.2,0.0,17.3,AAPL:27.8%;BND:27.8%;AMZN:16.5%;VTI:27.8%,US:65.0;EU:15.6;APAC:10.6;EM:4.9;Other:3.9,Value:-0.8;Growth:-0.5;Quality:+0.4;Size:+0.8;Momentum:+0.1;LowVol:+0.9,ESGOnly;NoMargin,10,35,6.0,hard 10%,126,19.4,Bear,24.3,3.04,1.5,169,-54,38,51,false,Rebalance,Shift +1% to bonds from equity,-9,13,BrokerD,LMT,100,None,None,Normal monitoring,-49,-51,-21,5,false,Tighten stops on momentum names
P5056,Systematic,Trust,USD,2024-11-07,1751002,143662,1607340,1.0,62.8,32.1,0.0,5.1,AMZN:25.0%;AAPL:25.0%;VNQ:25.0%;BRK.B:25.0%,US:76.6;EU:7.1;APAC:6.8;EM:7.8;Other:1.7,Value:+0.9;Growth:+0.1;Quality:-0.3;Size:0.0;Momentum:-0.2;LowVol:+0.8,,6,25,5.2,hard 12%,139,20.0,Bear,23.2,4.05,3.0,163,11,42,57,false,Rebalance,Shift +1% to bonds from equity,30,-22,BrokerB,MKT,93,None,None,Normal monitoring,-6,-58,14,3,false,Monitor dispersion and breadth
P5057,Hands-off,IRA,USD,2025-08-22,873454,49642,823812,1.0,63.9,27.6,0.0,8.5,XLF:36.3%;AAPL:27.4%;IEF:36.3%,US:63.6;EU:7.8;APAC:15.8;EM:12.5;Other:0.3,Value:+0.8;Growth:-0.3;Quality:-0.7;Size:-0.2;Momentum:+0.4;LowVol:+0.6,MaxPos6%,6,30,3.5,trailing 8%,135,17.6,Bear,32.8,4.34,2.6,185,16,46,83,true,Rebalance,Rebalance back to target bands,6,7,BrokerC,MKT,92,VAR>budget,Pause,Risk above budget threshold,87,-41,77,5,false,Tighten stops on momentum names
P5058,Hands-off,401k,USD,2024-08-13,185736,17361,168375,1.0,74.2,17.5,2.3,6.0,MSFT:33.3%;TLT:33.3%;HYG:33.3%,US:69.4;EU:14.2;APAC:9.9;EM:4.2;Other:2.4,Value:-0.7;Growth:+0.4;Quality:-0.2;Size:+0.6;Momentum:-0.8;LowVol:-0.3,,7,35,4.4,trailing 8%,137,14.7,Bull,12.2,4.9,2.8,102,91,93,53,false,Sell,Trim extended winner -1%,-5,6,BrokerB,LMT,94,None,None,Normal monitoring,19,19,76,3,false,Monitor dispersion and breadth
P5059,Opportunistic,IRA,USD,2025-04-13,670750,53612,617138,1.0,61.3,15.1,17.6,6.0,GLD:27.9%;BND:27.9%;AAPL:27.9%;VTI:16.4%,US:62.2;EU:13.4;APAC:13.5;EM:7.8;Other:3.1,Value:-0.6;Growth:+0.2;Quality:-0.6;Size:-0.4;Momentum:+0.9;LowVol:-0.6,,10,30,6.0,trailing 7%,248,25.2,Volatile,31.7,4.75,3.2,146,42,78,70,true,Reduce,"Cut high-beta by 2-3%, add cash",-4,7,BrokerC,VWAP,88,RegimeShift,Hedge,Volatility spike and breadth deterioration,61,-57,41,4,false,Increase defensive factor exposure
P5060,Systematic,Trust,USD,2024-08-07,1402041,84027,1318014,1.0,68.7,20.3,5.9,5.1,AMZN:34.5%;IEF:30.9%;MSFT:34.5%,US:72.2;EU:15.1;APAC:8.4;EM:3.8;Other:0.5,Value:-0.7;Growth:-0.7;Quality:-0.6;Size:+0.2;Momentum:-0.5;LowVol:-0.5,MaxPos8%;NoDerivatives,8,30,5.3,trailing 8%,223,23.2,Sideways,18.7,4.81,3.3,117,-18,40,64,false,Buy,Add to core equity +1%,1,-28,BrokerA,MKT,94,None,None,Normal monitoring,26,-50,23,5,false,Within IPS guidelines
P5061,Cautious,401k,USD,2024-11-21,746450,68305,678145,1.0,37.3,35.3,9.5,18.0,VTI:33.3%;AMZN:33.3%;MSFT:33.3%,US:71.1;EU:9.4;APAC:14.1;EM:3.2;Other:2.2,Value:-0.2;Growth:+0.8;Quality:-0.2;Size:-0.7;Momentum:+0.2;LowVol:+0.8,ESGOnly;NoMargin,5,30,5.7,trailing 10%,146,13.5,Bull,16.9,3.61,3.4,87,108,100,38,false,Sell,Trim extended winner -1%,-6,0,BrokerA,LMT,93,None,None,Normal monitoring,120,-9,106,3,false,Monitor dispersion and breadth
P5062,Systematic,Roth,USD,2025-06-09,1782420,142110,1640310,1.0,59.9,27.2,6.7,6.2,VTI:9.6%;HYG:21.6%;BRK.B:19.4%;GLD:7.5%;VOO:21.6%;VNQ:20.2%,US:72.1;EU:11.1;APAC:8.4;EM:5.3;Other:3.1,Value:-0.7;Growth:-0.6;Quality:-0.9;Size:-0.1;Momentum:-0.9;LowVol:+0.5,MaxPos7%,8,35,4.5,trailing 8%,139,20.3,Sideways,17.5,3.89,3.0,119,41,62,56,false,Buy,Add to core equity +1%,-13,-16,BrokerC,MKT,86,None,None,Normal monitoring,-59,10,-34,3,false,Tighten stops on momentum names
P5063,Hands-off,401k,USD,2024-07-27,460381,36891,423490,1.0,67.3,25.6,0.0,7.2,VNQ:26.5%;XLF:20.4%;HYG:26.5%;BND:26.5%,US:61.3;EU:11.8;APAC:15.5;EM:6.9;Other:4.6,Value:-0.7;Growth:-0.0;Quality:-0.3;Size:-0.1;Momentum:-0.3;LowVol:+0.1,MaxPos6%,7,25,3.7,trailing 8%,118,16.2,Bull,12.8,3.85,3.2,116,29,62,37,false,NoAction,Within bands; monitor,-9,-20,BrokerD,MKT,0,None,None,Normal monitoring,77,-40,180,4,false,Increase defensive factor exposure
P5064,Opportunistic,Trust,USD,2025-02-03,449575,14112,435463,1.14,75.1,18.3,1.7,5.0,VTI:25.9%;XLF:19.4%;TSLA:13.0%;HYG:25.9%;MSFT:15.8%,US:64.6;EU:19.2;APAC:10.8;EM:4.2;Other:1.1,Value:-0.8;Growth:+0.2;Quality:-0.8;Size:+0.1;Momentum:+0.7;LowVol:+0.2,MaxPos8%;NoDerivatives,7,30,5.8,trailing 7%,247,29.5,Bull,17.5,4.51,2.5,84,33,76,66,false,Buy,Add to core equity +1%,20,-17,BrokerD,VWAP,94,None,None,Normal monitoring,5,-49,-10,5,false,Within IPS guidelines
P5065,Systematic,IRA,USD,2025-03-20,1009984,95668,914316,1.0,61.4,21.7,8.8,8.1,BRK.B:33.3%;AMZN:33.3%;XLF:33.3%,US:72.0;EU:8.5;APAC:10.7;EM:8.0;Other:0.8,Value:+0.1;Growth:-0.7;Quality:-0.3;Size:-0.5;Momentum:0.0;LowVol:-0.2,MaxPos6%,5,35,5.2,hard 12%,199,26.0,Sideways,20.5,4.23,2.9,96,46,79,63,false,Buy,Add to core equity +1%,6,-1,BrokerB,LMT,94,None,None,Normal monitoring,-5,-22,100,5,false,Within IPS guidelines
P5066,Cautious,Roth,USD,2024-10-25,509880,75042,434838,1.0,43.3,43.3,0.0,13.4,TSLA:14.3%;AMZN:21.2%;MUB:14.5%;IEF:20.9%;VNQ:8.0%;VTI:21.2%,US:68.7;EU:12.5;APAC:12.5;EM:6.3;Other:0.0,Value:+0.1;Growth:+0.3;Quality:+0.4;Size:-0.3;Momentum:+0.8;LowVol:+0.7,ESGOnly;NoMargin,7,35,4.2,trailing 8%,160,14.4,Bull,11.9,3.79,3.4,81,84,82,37,false,Buy,Add to core equity +1%,-2,-31,BrokerC,MKT,87,None,None,Normal monitoring,65,9,200,4,false,Within IPS guidelines
P5067,Systematic,401k,USD,2024-10-26,1422568,80444,1342124,1.0,59.8,31.0,0.0,9.2,AMZN:25.1%;VNQ:24.7%;GLD:25.1%;TLT:25.1%,US:67.9;EU:12.3;APAC:11.5;EM:7.6;Other:0.8,Value:+0.2;Growth:+0.7;Quality:+0.9;Size:+0.4;Momentum:+0.8;LowVol:+0.4,NoDerivatives,7,25,5.6,hard 12%,151,23.8,Bull,11.6,4.52,3.1,89,15,53,30,false,Rebalance,Shift +1% to bonds from equity,20,-13,BrokerB,MKT,87,None,None,Normal monitoring,66,1,65,4,false,Monitor dispersion and breadth
P5068,Systematic,IRA,USD,2025-02-22,1211018,60974,1150044,1.0,62.3,28.4,3.9,5.3,VNQ:18.8%;XLF:24.5%;MSFT:15.6%;TSLA:16.6%;AAPL:24.5%,US:73.4;EU:9.1;APAC:14.0;EM:3.4;Other:0.1,Value:+1.0;Growth:+0.6;Quality:+0.1;Size:+0.3;Momentum:-0.3;LowVol:-0.4,MaxPos7%,7,35,5.5,hard 12%,126,21.4,Volatile,29.9,4.65,3.0,118,80,100,86,true,Reduce,"Cut high-beta by 2-3%, add cash",2,-1,BrokerB,MKT,89,Drift>tolerance,Hedge,Allocation drift beyond policy bands,77,-39,101,4,false,Tax-aware sells next window
P5069,Active,401k,USD,2025-04-24,1370206,106458,1263748,1.0,51.5,22.1,18.3,8.1,VNQ:33.3%;BRK.B:33.3%;MUB:33.3%,US:65.2;EU:17.0;APAC:9.4;EM:7.0;Other:1.3,Value:+0.8;Growth:-0.9;Quality:+0.8;Size:+0.4;Momentum:0.0;LowVol:+0.1,MaxPos5%,6,30,4.5,trailing 8%,199,20.5,Bear,27.7,3.75,1.2,216,-43,17,58,false,Sell,Trim extended winner -1%,34,-27,BrokerC,MKT,85,None,None,Normal monitoring,51,-9,142,5,false,Monitor dispersion and breadth
P5070,Hands-off,401k,USD,2025-01-18,613366,39643,573723,1.0,72.0,15.9,5.1,7.0,VTI:22.4%;AAPL:18.7%;VNQ:14.2%;BRK.B:22.4%;TSLA:22.4%,US:69.0;EU:7.6;APAC:12.4;EM:9.7;Other:1.2,Value:+0.7;Growth:+1.0;Quality:+0.5;Size:+0.5;Momentum:-0.8;LowVol:-1.0,ESGOnly;MaxPos7%;NoDerivatives,8,35,3.2,trailing 8%,153,14.8,Volatile,22.2,5.1,3.2,136,13,64,64,false,Rebalance,Shift +1% to bonds from equity,2,3,BrokerC,MKT,94,None,None,Normal monitoring,-13,-47,-41,5,false,Tax-aware sells next window
P5071,Hands-off,Taxable,USD,2025-03-19,304677,22601,282076,1.0,55.2,29.0,6.7,9.1,IEF:23.1%;GLD:14.8%;VOO:16.0%;XLF:23.1%;HYG:23.1%,US:73.7;EU:12.1;APAC:5.8;EM:6.1;Other:2.3,Value:-0.3;Growth:+0.5;Quality:+0.4;Size:-0.3;Momentum:0.0;LowVol:-0.3,ESGOnly;MaxPos6%,6,25,5.5,hard 10%,122,12.7,Bull,14.0,4.05,2.8,120,96,88,49,false,Rebalance,Shift +1% to bonds from equity,12,-15,BrokerA,LMT,91,None,None,Normal monitoring,-22,9,75,3,false,Monitor dispersion and breadth
P5072,Systematic,401k,USD,2024-10-21,993030,47635,945395,1.0,69.2,21.2,3.4,6.2,MSFT:13.0%;VTI:11.7%;IEF:25.1%;AAPL:25.1%;VOO:25.1%,US:64.6;EU:14.8;APAC:12.6;EM:5.9;Other:2.0,Value:+0.7;Growth:-0.1;Quality:-0.9;Size:+0.5;Momentum:-0.6;LowVol:-0.6,MaxPos5%,7,35,5.5,trailing 9%,144,25.4,Bull,14.3,4.35,2.6,118,17,62,50,false,NoAction,Within bands; monitor,6,-23,BrokerC,MKT,0,None,None,Normal monitoring,94,-6,60,4,false,Increase defensive factor exposure
P5073,Cautious,IRA,USD,2025-09-23,750179,68692,681487,1.0,41.8,42.4,0.0,15.9,TLT:7.4%;XLF:19.2%;AAPL:20.4%;MUB:20.4%;BRK.B:12.1%;QQQ:20.4%,US:65.6;EU:11.8;APAC:9.8;EM:9.5;Other:3.2,Value:-0.3;Growth:-0.6;Quality:-0.7;Size:-0.1;Momentum:+0.7;LowVol:-0.5,MaxPos6%;NoDerivatives;NoMargin,5,30,4.9,trailing 8%,94,17.2,Bull,16.9,3.65,3.4,106,14,53,43,false,Sell,Trim extended winner -1%,28,-32,BrokerA,LMT,98,None,None,Normal monitoring,94,-23,180,3,false,Within IPS guidelines
P5074,Systematic,Taxable,USD,2024-12-16,1515052,107842,1407210,1.0,58.4,27.9,8.1,5.5,MUB:12.6%;VTI:23.9%;BND:15.8%;VOO:23.9%;HYG:23.9%,US:65.3;EU:11.0;APAC:8.2;EM:11.0;Other:4.6,Value:+1.0;Growth:-0.2;Quality:-0.4;Size:+0.2;Momentum:+0.7;LowVol:-0.3,MaxPos5%;NoDerivatives,8,35,5.9,hard 12%,126,23.9,Sideways,21.8,4.28,3.5,100,-24,37,64,false,Hedge,Add TLT +1% as duration hedge,24,0,BrokerB,MKT,91,None,None,Normal monitoring,-14,1,-45,5,false,Increase defensive factor exposure
P5075,Systematic,IRA,USD,2025-10-04,1188191,107330,1080861,1.0,58.4,32.7,2.0,6.9,HYG:26.8%;AMZN:36.6%;VTI:36.6%,US:60.1;EU:19.1;APAC:6.8;EM:11.4;Other:2.6,Value:+1.0;Growth:+0.7;Quality:+0.2;Size:+0.2;Momentum:-1.0;LowVol:-0.9,NoDerivatives,7,30,4.5,hard 12%,228,20.7,Sideways,14.4,3.74,2.7,121,-7,36,50,false,Buy,Add to core equity +1%,8,-21,BrokerC,VWAP,94,None,None,Normal monitoring,81,1,196,3,false,Tax-aware sells next window
P5076,Systematic,IRA,USD,2024-11-22,1849221,114935,1734286,1.0,65.2,24.7,1.6,8.5,BND:33.3%;BRK.B:33.3%;AMZN:33.3%,US:72.6;EU:8.0;APAC:9.6;EM:6.2;Other:3.7,Value:-0.9;Growth:-0.6;Quality:-0.3;Size:+0.3;Momentum:+0.6;LowVol:+0.2,NoDerivatives,10,35,4.3,trailing 8%,148,18.6,Bull,11.0,4.18,2.4,107,120,98,35,false,Hedge,Add TLT +1% as duration hedge,-13,-21,BrokerB,MKT,87,None,None,Normal monitoring,116,-35,129,3,false,Increase defensive factor exposure
P5077,Hands-off,Taxable,USD,2025-11-29,457550,32519,425031,1.0,56.3,26.0,12.3,5.4,MSFT:17.5%;AMZN:20.5%;QQQ:9.1%;TSLA:12.5%;XLF:21.1%;IEF:19.3%,US:63.0;EU:11.7;APAC:13.2;EM:10.1;Other:1.9,Value:+1.0;Growth:-0.9;Quality:-0.9;Size:+0.4;Momentum:+0.1;LowVol:-0.2,MaxPos8%,8,35,4.8,trailing 8%,155,17.0,Sideways,16.6,4.85,2.7,139,18,70,49,false,Rebalance,Shift +1% to bonds from equity,-1,-20,BrokerB,LMT,85,None,None,Normal monitoring,116,4,246,4,false,Monitor dispersion and breadth
P5078,Cautious,Trust,USD,2024-11-21,384190,61168,323022,1.0,43.1,41.0,0.0,15.9,HYG:23.9%;MSFT:23.9%;TLT:23.9%;QQQ:11.5%;BND:16.7%,US:58.7;EU:19.1;APAC:9.5;EM:7.8;Other:4.9,Value:+1.0;Growth:+0.7;Quality:+0.5;Size:-0.3;Momentum:-0.5;LowVol:+0.8,MaxPos6%;NoMargin,5,25,3.3,trailing 8%,153,17.8,Volatile,31.7,4.7,2.8,148,30,67,64,false,Buy,Add to core equity +1%,33,-21,BrokerA,MKT,96,None,None,Normal monitoring,65,-17,116,4,false,Monitor dispersion and breadth
P5079,Hands-off,401k,USD,2024-08-11,381631,21469,360162,1.0,65.3,26.5,1.9,6.3,VTI:33.3%;QQQ:33.3%;AMZN:33.3%,US:64.8;EU:15.2;APAC:12.8;EM:4.6;Other:2.6,Value:+0.3;Growth:-0.9;Quality:+0.5;Size:+0.6;Momentum:-0.5;LowVol:-0.6,ESGOnly;MaxPos7%,8,35,3.6,hard 10%,144,14.3,Sideways,15.2,4.36,3.1,116,-24,38,57,false,Rebalance,Shift +1% to bonds from equity,18,-23,BrokerC,MKT,89,None,None,Normal monitoring,34,8,82,5,false,Tax-aware sells next window
P5080,Systematic,Roth,USD,2025-04-03,1833281,130298,1702983,1.0,63.5,28.9,1.2,6.4,XLF:21.3%;TLT:21.3%;AMZN:7.6%;VNQ:10.9%;GLD:19.0%;AAPL:19.9%,US:76.2;EU:9.1;APAC:7.9;EM:4.2;Other:2.5,Value:-0.3;Growth:-1.0;Quality:+0.7;Size:+0.1;Momentum:+0.7;LowVol:+0.6,,7,35,4.8,trailing 8%,216,25.6,Bull,13.0,3.8,3.2,87,106,91,39,false,Sell,Trim extended winner -1%,34,0,BrokerD,LMT,100,None,None,Normal monitoring,105,-31,150,3,false,Increase defensive factor exposure
P5081,Systematic,Trust,USD,2025-06-18,491241,30148,461093,1.0,61.7,29.4,0.0,8.9,QQQ:21.5%;XLF:21.0%;AMZN:21.5%;TLT:16.5%;BRK.B:11.0%;MSFT:8.5%,US:67.3;EU:11.6;APAC:8.9;EM:8.4;Other:3.8,Value:+0.1;Growth:+0.1;Quality:-0.5;Size:-0.3;Momentum:+0.7;LowVol:-0.9,,5,25,5.1,hard 12%,228,17.0,Volatile,23.1,3.53,4.1,126,69,94,66,false,Rebalance,Shift +1% to bonds from equity,35,9,BrokerB,MKT,98,None,None,Normal monitoring,106,-23,122,5,false,Tighten stops on momentum names
P5082,Systematic,Trust,USD,2025-10-24,1850106,133086,1717020,1.0,59.8,32.4,0.0,7.9,IEF:21.6%;VNQ:26.1%;VTI:26.1%;BRK.B:26.1%,US:59.2;EU:15.1;APAC:11.0;EM:11.5;Other:3.2,Value:+0.8;Growth:+0.5;Quality:-1.0;Size:+0.4;Momentum:+0.4;LowVol:-0.4,NoDerivatives,10,30,5.6,trailing 8%,167,20.2,Volatile,29.2,5.31,4.1,164,26,60,74,true,Reduce,"Cut high-beta by 2-3%, add cash",5,8,BrokerD,LMT,86,VAR>budget,TightenStops,Risk above budget threshold,-57,3,-97,4,false,Monitor dispersion and breadth
P5083,Systematic,401k,USD,2025-09-11,926573,83123,843450,1.0,63.0,23.3,7.1,6.6,AAPL:33.3%;MUB:33.3%;VNQ:33.3%,US:76.9;EU:9.6;APAC:7.0;EM:5.4;Other:1.2,Value:-0.1;Growth:+0.1;Quality:-0.8;Size:+0.7;Momentum:-0.9;LowVol:-0.4,,7,25,4.8,trailing 8%,160,17.4,Bull,13.0,4.9,3.2,111,65,82,36,false,Buy,Add to core equity +1%,35,-20,BrokerA,LMT,92,None,None,Normal monitoring,12,-59,146,4,false,Tighten stops on momentum names
P5084,Hands-off,IRA,USD,2025-07-24,225255,14921,210334,1.0,68.0,24.2,0.0,7.8,GLD:23.4%;VTI:14.9%;VNQ:23.4%;HYG:23.4%;XLF:14.9%,US:62.1;EU:14.4;APAC:13.1;EM:5.7;Other:4.7,Value:-0.0;Growth:-0.1;Quality:-0.1;Size:-0.4;Momentum:+0.7;LowVol:-0.3,ESGOnly;NoDerivatives,10,35,3.9,trailing 8%,139,15.2,Bull,14.2,4.52,3.3,88,60,82,54,false,Rebalance,Shift +1% to bonds from equity,9,-25,BrokerA,MKT,92,None,None,Normal monitoring,-27,11,50,4,false,Tax-aware sells next window
P5085,Cautious,Roth,USD,2025-01-06,897548,117650,779898,1.0,49.9,37.0,0.0,13.0,VNQ:20.6%;BRK.B:15.3%;XLF:20.6%;MSFT:20.6%;HYG:13.7%;MUB:9.2%,US:60.6;EU:11.4;APAC:15.7;EM:11.9;Other:0.4,Value:-0.9;Growth:+1.0;Quality:-0.1;Size:-0.5;Momentum:-0.2;LowVol:+0.1,ESGOnly;MaxPos8%;NoMargin,7,35,3.2,trailing 8%,150,13.9,Volatile,25.1,5.2,4.0,164,31,71,64,false,Hedge,Add TLT +1% as duration hedge,20,-10,BrokerD,MKT,89,None,None,Normal monitoring,86,-46,89,3,false,Tax-aware sells next window
P5086,Active,IRA,USD,2025-04-21,892769,94178,798591,1.0,60.4,30.2,1.5,7.8,VNQ:24.0%;TLT:8.1%;VOO:20.0%;AMZN:24.0%;MUB:24.0%,US:64.4;EU:12.7;APAC:6.4;EM:11.3;Other:5.1,Value:+0.5;Growth:+0.4;Quality:-1.0;Size:+0.1;Momentum:+0.2;LowVol:+0.6,MaxPos5%,10,30,4.3,trailing 8%,143,17.7,Volatile,21.7,4.58,2.5,161,57,92,63,false,Buy,Add to core equity +1%,16,-4,BrokerA,VWAP,93,None,None,Normal monitoring,50,-31,178,3,false,Monitor dispersion and breadth
P5087,Cautious,IRA,USD,2025-07-23,529488,84265,445223,1.0,50.3,33.2,0.0,16.5,IEF:12.3%;AMZN:16.2%;BND:23.7%;VOO:23.9%;QQQ:23.9%,US:70.4;EU:17.7;APAC:5.3;EM:4.0;Other:2.6,Value:+0.6;Growth:+0.5;Quality:+1.0;Size:-0.8;Momentum:+0.4;LowVol:+0.5,MaxPos8%;NoMargin,6,30,5.2,trailing 10%,166,15.1,Sideways,16.7,4.42,2.8,113,29,75,50,true,Hedge,Buy index puts 1% notional,-12,-7,BrokerC,VWAP,97,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,63,-4,72,3,false,Tighten stops on momentum names
P5088,Active,Taxable,USD,2025-10-17,1027946,72660,955286,1.0,59.0,23.8,10.9,6.3,AAPL:22.5%;TSLA:22.5%;MSFT:22.5%;XLF:9.9%;VTI:22.5%,US:72.8;EU:9.8;APAC:7.3;EM:8.5;Other:1.7,Value:+0.6;Growth:+0.9;Quality:-1.0;Size:+0.6;Momentum:+0.1;LowVol:+0.2,,8,35,5.6,trailing 9%,161,17.2,Bear,26.4,3.35,1.2,205,-83,12,65,false,Buy,Add to core equity +1%,-4,5,BrokerB,MKT,93,None,None,Normal monitoring,-54,-49,50,5,false,Tighten stops on momentum names
P5089,Opportunistic,IRA,USD,2024-10-29,1146519,100545,1045974,1.0,68.8,15.3,8.3,7.6,VTI:33.3%;GLD:33.3%;QQQ:33.3%,US:79.9;EU:7.4;APAC:5.9;EM:5.2;Other:1.7,Value:-0.2;Growth:+0.9;Quality:-0.7;Size:+0.3;Momentum:+0.6;LowVol:+0.7,NoDerivatives,7,30,6.2,hard 12%,259,31.0,Sideways,19.0,3.6,2.2,117,51,77,61,false,Rebalance,Shift +1% to bonds from equity,17,-7,BrokerA,MKT,85,None,None,Normal monitoring,-46,-19,-76,4,false,Within IPS guidelines
P5090,Opportunistic,Taxable,USD,2024-08-29,784523,64502,720021,1.09,60.0,11.5,24.4,4.0,AMZN:33.3%;VNQ:33.3%;IEF:33.3%,US:57.3;EU:18.4;APAC:14.6;EM:8.0;Other:1.7,Value:+0.8;Growth:-1.0;Quality:+0.3;Size:-0.2;Momentum:+0.4;LowVol:-0.4,,10,35,5.6,trailing 9%,229,25.7,Bull,15.5,4.27,3.4,119,88,94,51,false,Rebalance,Shift +1% to bonds from equity,4,-35,BrokerD,LMT,97,None,None,Normal monitoring,1,-47,109,4,false,Tax-aware sells next window
P5091,Hands-off,Trust,USD,2025-05-17,456160,21118,435042,1.0,57.0,18.9,17.7,6.4,TSLA:18.1%;VNQ:17.6%;MSFT:25.0%;GLD:25.0%;MUB:14.3%,US:73.4;EU:10.6;APAC:8.2;EM:7.4;Other:0.3,Value:-0.7;Growth:+0.5;Quality:+0.4;Size:+0.5;Momentum:+0.4;LowVol:+0.9,ESGOnly;MaxPos6%,6,25,3.6,trailing 8%,149,14.7,Volatile,20.7,4.36,3.9,135,-15,43,58,false,NoAction,Within bands; monitor,27,-4,BrokerB,MKT,0,None,None,Normal monitoring,17,-7,128,4,false,Increase defensive factor exposure
P5092,Hands-off,Taxable,USD,2025-02-24,226194,11452,214742,1.0,63.7,23.5,4.8,7.9,VOO:24.3%;QQQ:25.2%;HYG:25.2%;AMZN:25.2%,US:64.5;EU:14.5;APAC:11.8;EM:5.4;Other:3.8,Value:+0.5;Growth:+0.3;Quality:+0.3;Size:+0.7;Momentum:+0.6;LowVol:+0.7,MaxPos5%,8,35,3.4,trailing 8%,90,12.4,Bull,14.1,4.11,2.8,87,30,80,40,false,Sell,Trim extended winner -1%,26,-31,BrokerC,MKT,96,None,None,Normal monitoring,117,-24,102,5,false,Tax-aware sells next window
P5093,Hands-off,Trust,USD,2024-08-12,537382,47522,489860,1.0,55.4,27.8,11.7,5.1,GLD:12.1%;BND:15.2%;BRK.B:22.5%;HYG:14.1%;MSFT:22.5%;TLT:13.6%,US:65.8;EU:8.1;APAC:13.1;EM:11.1;Other:1.9,Value:-0.8;Growth:+0.6;Quality:+0.4;Size:+0.8;Momentum:+0.8;LowVol:+0.4,,5,30,4.9,trailing 10%,131,17.1,Sideways,19.2,4.37,2.5,100,-20,26,51,true,Reduce,"Cut high-beta by 2-3%, add cash",0,-35,BrokerD,LMT,100,VAR>budget,Pause,Risk above budget threshold,104,-56,125,5,false,Within IPS guidelines
P5094,Opportunistic,Roth,USD,2024-11-22,1248471,62714,1185757,1.08,74.0,21.6,0.0,4.3,TLT:27.1%;AAPL:21.1%;VTI:24.8%;MSFT:27.1%,US:71.3;EU:10.2;APAC:11.6;EM:5.8;Other:1.1,Value:-0.4;Growth:+0.3;Quality:+0.3;Size:-0.5;Momentum:-1.0;LowVol:-0.9,MaxPos6%,5,25,4.0,hard 12%,184,27.7,Bull,13.6,4.61,2.9,83,18,71,57,false,NoAction,Within bands; monitor,34,-2,BrokerA,LMT,91,None,None,Normal monitoring,-43,-59,9,3,false,Monitor dispersion and breadth
P5095,Hands-off,Trust,USD,2025-12-07,717616,44156,673460,1.0,67.8,24.8,0.0,7.5,QQQ:33.3%;VNQ:33.3%;AMZN:33.3%,US:68.3;EU:9.1;APAC:11.0;EM:9.8;Other:1.9,Value:-0.6;Growth:+0.6;Quality:+0.5;Size:+0.3;Momentum:-0.0;LowVol:0.0,ESGOnly;MaxPos5%;NoDerivatives,10,35,3.5,trailing 10%,132,18.8,Sideways,14.3,3.89,2.4,129,-1,58,40,true,Hedge,Buy index puts 1% notional,-9,13,BrokerD,LMT,92,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-38,-45,67,2,false,Within IPS guidelines
P5096,Hands-off,IRA,USD,2025-07-14,161705,9987,151718,1.0,56.9,17.5,20.1,5.4,VTI:15.1%;VNQ:15.5%;TSLA:23.2%;MSFT:23.2%;QQQ:23.2%,US:73.6;EU:10.6;APAC:11.9;EM:3.4;Other:0.5,Value:-0.7;Growth:-0.6;Quality:-0.6;Size:+1.0;Momentum:+0.9;LowVol:+0.5,ESGOnly,6,25,3.1,hard 10%,135,16.3,Bear,34.0,3.23,2.1,202,-6,55,88,true,Hedge,Buy index puts 1% notional,24,14,BrokerB,VWAP,97,RegimeShift,Hedge,Volatility spike and breadth deterioration,43,-32,38,4,false,Tax-aware sells next window
P5097,Hands-off,Roth,USD,2025-04-18,273080,20919,252161,1.0,65.9,26.1,0.0,7.9,VOO:23.0%;MUB:18.1%;VNQ:23.0%;XLF:23.0%;VTI:12.8%,US:62.7;EU:16.5;APAC:9.9;EM:7.1;Other:3.7,Value:-0.1;Growth:-0.3;Quality:-0.2;Size:+0.5;Momentum:-0.7;LowVol:+0.7,ESGOnly;MaxPos6%,7,30,3.5,hard 10%,96,14.5,Volatile,25.1,3.88,2.5,113,78,85,71,true,Hedge,Buy index puts 1% notional,26,-34,BrokerC,MKT,99,RegimeShift,TightenStops,Volatility spike and breadth deterioration,118,20,256,4,false,Tighten stops on momentum names
P5098,Opportunistic,Trust,USD,2025-04-09,573466,28317,545149,1.0,64.7,18.0,10.5,6.7,AMZN:33.3%;IEF:33.3%;GLD:33.3%,US:61.3;EU:17.9;APAC:15.8;EM:4.2;Other:0.8,Value:0.0;Growth:-1.0;Quality:-0.7;Size:-0.6;Momentum:+0.7;LowVol:-0.1,,6,30,5.5,trailing 7%,204,31.7,Bull,12.1,3.65,2.4,78,66,71,41,false,Rebalance,Shift +1% to bonds from equity,5,-32,BrokerB,LMT,91,None,None,Normal monitoring,90,-16,75,4,false,Monitor dispersion and breadth
P5099,Cautious,IRA,USD,2025-08-16,187150,27863,159287,1.0,45.3,37.9,1.4,15.3,XLF:21.6%;VNQ:8.2%;GLD:21.6%;VOO:21.6%;IEF:8.3%;AMZN:18.6%,US:70.6;EU:10.0;APAC:7.6;EM:6.6;Other:5.1,Value:+0.6;Growth:+0.2;Quality:+0.3;Size:+0.1;Momentum:-0.3;LowVol:+0.4,ESGOnly;MaxPos7%;NoMargin,8,30,3.9,trailing 10%,100,18.0,Bear,22.1,3.86,2.5,136,-60,5,49,false,Buy,Add to core equity +1%,24,-7,BrokerA,LMT,89,None,None,Normal monitoring,77,-24,137,5,false,Tax-aware sells next window
P5100,Active,Taxable,USD,2025-06-03,738751,50279,688472,1.0,59.8,27.1,8.0,5.1,AAPL:32.5%;BND:33.8%;VOO:33.8%,US:78.1;EU:7.7;APAC:7.3;EM:4.7;Other:2.3,Value:+0.3;Growth:0.0;Quality:+0.2;Size:+0.7;Momentum:+1.0;LowVol:-0.5,,10,30,4.1,trailing 9%,161,25.9,Bear,29.0,3.42,2.1,207,-79,20,64,false,Buy,Add to core equity +1%,18,7,BrokerB,MKT,88,None,None,Normal monitoring,-2,-44,130,4,false,Tighten stops on momentum names
P5101,Systematic,Trust,USD,2024-11-01,923588,46126,877462,1.0,56.1,27.6,7.6,8.7,AMZN:20.9%;QQQ:18.0%;MSFT:23.2%;XLF:23.2%;BRK.B:14.7%,US:69.3;EU:13.0;APAC:6.6;EM:8.9;Other:2.2,Value:-0.7;Growth:+0.6;Quality:-0.9;Size:+0.7;Momentum:-0.8;LowVol:-0.3,,5,35,5.5,trailing 8%,167,22.8,Volatile,29.0,4.55,2.1,122,52,70,81,true,Hedge,Buy index puts 1% notional,16,-36,BrokerD,LMT,94,VAR>budget,Hedge,Risk above budget threshold,55,16,21,3,false,Increase defensive factor exposure
P5102,Hands-off,401k,USD,2025-08-12,369917,26616,343301,1.0,61.8,25.3,4.8,8.1,MSFT:33.3%;AMZN:33.3%;AAPL:33.3%,US:74.3;EU:7.2;APAC:13.5;EM:4.6;Other:0.4,Value:+0.4;Growth:+0.2;Quality:+0.5;Size:-0.5;Momentum:+1.0;LowVol:-1.0,ESGOnly;NoDerivatives,10,25,3.2,trailing 10%,106,14.4,Sideways,20.3,4.24,2.0,104,13,49,54,false,Sell,Trim extended winner -1%,10,-16,BrokerA,LMT,98,None,None,Normal monitoring,-54,-13,-15,3,false,Increase defensive factor exposure
P5103,Opportunistic,IRA,USD,2025-02-26,1466060,100262,1365798,1.13,60.4,13.0,19.1,7.5,VTI:35.4%;HYG:29.2%;AMZN:35.4%,US:70.7;EU:13.7;APAC:9.3;EM:3.8;Other:2.5,Value:+0.6;Growth:-0.1;Quality:+0.7;Size:-0.2;Momentum:+0.9;LowVol:+0.4,MaxPos5%,8,30,5.8,trailing 7%,234,31.7,Bear,25.6,3.17,2.0,179,-101,5,58,false,Hedge,Add TLT +1% as duration hedge,-14,11,BrokerD,MKT,96,None,None,Normal monitoring,7,-58,72,5,false,Within IPS guidelines
P5104,Active,Taxable,USD,2025-06-04,1820779,116498,1704281,1.0,58.8,22.3,10.7,8.2,AMZN:33.3%;VTI:33.3%;VNQ:33.3%,US:68.5;EU:11.9;APAC:8.3;EM:7.7;Other:3.6,Value:+0.7;Growth:-0.5;Quality:+0.2;Size:-0.9;Momentum:+0.8;LowVol:+0.5,,6,25,5.6,trailing 9%,170,26.9,Bull,17.9,4.02,2.7,90,43,78,60,false,Rebalance,Shift +1% to bonds from equity,-1,-26,BrokerC,MKT,100,None,None,Normal monitoring,3,-25,25,3,false,Tax-aware sells next window
P5105,Active,Taxable,USD,2024-11-08,576249,66294,509955,1.0,55.7,31.6,3.9,8.8,VOO:33.1%;MSFT:33.4%;HYG:33.4%,US:60.4;EU:17.5;APAC:11.5;EM:8.0;Other:2.6,Value:+0.9;Growth:+0.4;Quality:+0.7;Size:-0.5;Momentum:+0.7;LowVol:+0.9,MaxPos5%,10,25,5.1,trailing 9%,157,17.9,Volatile,30.7,4.67,3.8,177,70,86,71,true,Rebalance,Rebalance back to target bands,12,-40,BrokerB,LMT,98,VAR>budget,Hedge,Risk above budget threshold,3,15,49,2,false,Tax-aware sells next window
P5106,Active,Roth,USD,2025-08-02,863367,60049,803318,1.0,60.1,24.7,6.0,9.1,VTI:25.9%;BRK.B:19.2%;HYG:27.4%;AAPL:27.4%,US:74.6;EU:8.9;APAC:10.4;EM:4.6;Other:1.5,Value:+0.3;Growth:+0.4;Quality:+0.3;Size:-0.5;Momentum:-0.4;LowVol:-0.5,MaxPos5%,10,25,4.8,trailing 9%,202,21.6,Bull,17.3,4.45,2.4,109,106,91,45,false,Sell,Trim extended winner -1%,9,3,BrokerA,MKT,91,None,None,Normal monitoring,-2,-28,-39,4,false,Tighten stops on momentum names
P5107,Systematic,Trust,USD,2024-10-13,679933,43123,636810,1.0,65.3,24.4,3.4,6.9,XLF:15.7%;BRK.B:17.7%;AAPL:20.1%;MSFT:9.8%;IEF:20.6%;TLT:16.0%,US:61.0;EU:13.1;APAC:14.2;EM:8.6;Other:3.1,Value:0.0;Growth:-0.5;Quality:-0.5;Size:-0.8;Momentum:+0.6;LowVol:-0.7,,6,35,5.9,trailing 9%,195,24.2,Sideways,17.1,4.37,2.1,91,30,51,49,false,Rebalance,Shift +1% to bonds from equity,26,-37,BrokerD,LMT,89,None,None,Normal monitoring,-25,2,99,4,false,Increase defensive factor exposure
P5108,Opportunistic,Roth,USD,2025-07-31,1611039,126030,1485009,1.16,65.5,16.4,12.3,5.8,IEF:17.6%;AMZN:13.7%;TLT:22.9%;VOO:22.9%;GLD:22.9%,US:66.1;EU:14.3;APAC:8.9;EM:9.8;Other:0.9,Value:-0.8;Growth:-1.0;Quality:-0.7;Size:-0.6;Momentum:+0.2;LowVol:+0.9,,7,25,4.9,trailing 7%,221,25.5,Bull,16.5,4.55,3.0,84,86,92,59,false,Buy,Add to core equity +1%,27,-4,BrokerD,LMT,87,None,None,Normal monitoring,-42,7,68,5,false,Increase defensive factor exposure
P5109,Cautious,401k,USD,2024-10-11,187684,29509,158175,1.0,49.5,39.8,0.0,10.7,QQQ:13.7%;VNQ:17.8%;BND:26.9%;MUB:14.7%;TLT:26.9%,US:66.1;EU:10.6;APAC:11.0;EM:8.8;Other:3.5,Value:+0.5;Growth:+0.5;Quality:-0.1;Size:-0.0;Momentum:+0.2;LowVol:-0.2,ESGOnly;NoDerivatives;NoMargin,8,35,5.0,trailing 8%,96,17.6,Volatile,26.4,5.32,3.8,111,36,71,70,false,Buy,Add to core equity +1%,2,-13,BrokerC,MKT,95,None,None,Normal monitoring,29,-20,80,3,false,Monitor dispersion and breadth
P5110,Opportunistic,401k,USD,2024-09-20,1395903,55113,1340790,1.0,76.4,14.9,0.0,8.6,VTI:33.3%;TLT:33.3%;GLD:33.3%,US:64.6;EU:10.7;APAC:16.2;EM:7.8;Other:0.8,Value:+0.8;Growth:0.0;Quality:+0.2;Size:+0.3;Momentum:-0.5;LowVol:-0.3,NoDerivatives,7,35,6.8,trailing 7%,228,33.2,Sideways,14.2,3.74,2.2,96,-16,33,60,false,NoAction,Within bands; monitor,9,-34,BrokerD,LMT,98,None,None,Normal monitoring,63,7,148,5,false,Tax-aware sells next window
P5111,Opportunistic,401k,USD,2025-12-22,545490,19904,525586,1.0,77.5,12.5,5.8,4.2,VTI:22.5%;IEF:22.5%;MUB:22.1%;BND:12.5%;AMZN:12.2%;QQQ:8.1%,US:61.8;EU:16.0;APAC:9.9;EM:9.3;Other:2.9,Value:-0.1;Growth:-0.5;Quality:+1.0;Size:-0.9;Momentum:+0.5;LowVol:+0.8,MaxPos5%;NoDerivatives,6,35,5.9,trailing 9%,225,33.7,Volatile,25.3,4.1,3.6,116,-55,28,79,true,Rebalance,Rebalance back to target bands,30,3,BrokerB,MKT,91,VAR>budget,Reduce,Risk above budget threshold,-59,-50,45,5,false,Tighten stops on momentum names
P5112,Opportunistic,Trust,USD,2025-09-25,400649,33566,367083,1.0,73.0,19.2,0.0,7.8,VTI:14.7%;GLD:22.5%;HYG:17.7%;VNQ:22.5%;AMZN:22.5%,US:65.3;EU:15.7;APAC:13.0;EM:3.4;Other:2.5,Value:+0.5;Growth:+0.3;Quality:0.0;Size:-0.9;Momentum:+0.6;LowVol:+0.6,MaxPos6%,5,30,4.4,hard 12%,207,29.5,Sideways,16.9,4.21,2.3,104,46,85,49,false,Buy,Add to core equity +1%,14,11,BrokerD,MKT,99,None,None,Normal monitoring,56,-58,41,4,false,Tax-aware sells next window
P5113,Cautious,IRA,USD,2025-10-22,151377,20354,131023,1.0,43.0,37.7,9.1,10.1,TSLA:19.5%;BND:27.9%;GLD:24.6%;TLT:27.9%,US:65.7;EU:9.5;APAC:10.0;EM:10.5;Other:4.3,Value:-0.3;Growth:+0.8;Quality:+0.7;Size:+0.9;Momentum:-0.7;LowVol:-0.7,ESGOnly;NoMargin,5,35,3.4,trailing 10%,154,14.4,Bear,29.6,3.13,2.3,150,-15,39,61,false,Rebalance,Shift +1% to bonds from equity,-2,10,BrokerA,VWAP,86,None,None,Normal monitoring,-5,-30,122,5,false,Within IPS guidelines
P5114,Systematic,IRA,USD,2025-07-26,972316,62667,909649,1.0,61.1,27.0,3.4,8.6,AMZN:23.3%;MUB:18.2%;XLF:15.8%;VTI:19.5%;VOO:23.3%,US:68.2;EU:16.8;APAC:5.4;EM:7.6;Other:2.1,Value:+0.2;Growth:+0.2;Quality:+0.9;Size:+0.2;Momentum:+0.2;LowVol:+0.1,,5,30,5.3,hard 12%,157,24.8,Sideways,19.5,4.98,2.6,128,55,74,62,false,Rebalance,Shift +1% to bonds from equity,34,-1,BrokerB,MKT,89,None,None,Normal monitoring,120,0,81,5,false,Monitor dispersion and breadth
P5115,Hands-off,Trust,USD,2024-12-23,602748,56074,546674,1.0,73.5,16.9,0.0,9.6,VNQ:22.8%;BRK.B:30.7%;AMZN:30.7%;AAPL:15.8%,US:63.4;EU:17.8;APAC:5.8;EM:9.2;Other:3.9,Value:-0.8;Growth:+0.4;Quality:+0.3;Size:-0.2;Momentum:+1.0;LowVol:-0.5,ESGOnly,6,35,3.0,trailing 8%,153,12.3,Bull,16.6,4.95,2.9,106,10,63,55,false,NoAction,Within bands; monitor,-2,-39,BrokerD,MKT,0,None,None,Normal monitoring,106,0,206,4,false,Monitor dispersion and breadth
P5116,Cautious,Taxable,USD,2025-11-27,389073,49887,339186,1.0,48.0,37.0,0.0,15.0,AMZN:30.0%;BND:35.0%;TLT:35.0%,US:71.6;EU:13.1;APAC:10.9;EM:3.4;Other:0.9,Value:-0.8;Growth:+0.9;Quality:+0.8;Size:+0.8;Momentum:+0.5;LowVol:+0.9,NoMargin,7,25,4.7,trailing 8%,147,14.1,Volatile,28.2,3.56,3.3,110,-5,45,74,true,Reduce,"Cut high-beta by 2-3%, add cash",21,-19,BrokerD,LMT,86,RegimeShift,Hedge,Volatility spike and breadth deterioration,-41,-14,37,3,false,Increase defensive factor exposure
P5117,Cautious,401k,USD,2025-08-14,693553,89949,603604,1.0,51.6,31.2,0.0,17.2,VNQ:21.8%;IEF:27.7%;AAPL:27.7%;HYG:22.9%,US:65.5;EU:10.5;APAC:11.0;EM:10.1;Other:2.8,Value:+0.2;Growth:+0.1;Quality:+0.1;Size:-0.9;Momentum:-0.6;LowVol:+0.6,NoMargin,7,35,4.6,trailing 10%,100,16.7,Bull,15.9,3.75,3.3,86,50,75,48,false,Rebalance,Shift +1% to bonds from equity,7,-27,BrokerC,MKT,92,None,None,Normal monitoring,31,-18,65,3,false,Tighten stops on momentum names
P5118,Cautious,Roth,USD,2025-05-05,690472,71849,618623,1.0,48.2,37.0,0.0,14.8,AMZN:20.9%;AAPL:17.7%;VTI:15.1%;BND:24.6%;TSLA:21.8%,US:69.3;EU:11.0;APAC:9.5;EM:7.5;Other:2.7,Value:+0.8;Growth:+0.1;Quality:+0.2;Size:-1.0;Momentum:-0.3;LowVol:-0.4,ESGOnly;MaxPos5%;NoMargin,7,30,3.7,trailing 8%,170,16.2,Bull,13.3,4.49,2.3,108,53,83,43,false,Sell,Trim extended winner -1%,-2,-32,BrokerA,MKT,91,None,None,Normal monitoring,-18,11,98,5,false,Tax-aware sells next window
P5119,Cautious,Roth,USD,2025-07-31,822670,115479,707191,1.0,48.8,38.0,0.0,13.2,AAPL:33.3%;MSFT:33.3%;XLF:33.3%,US:56.6;EU:21.8;APAC:10.3;EM:6.2;Other:5.0,Value:-0.4;Growth:+1.0;Quality:-0.9;Size:-0.1;Momentum:0.0;LowVol:-0.3,ESGOnly;MaxPos6%;NoMargin,5,30,3.1,trailing 8%,121,19.7,Bull,12.9,3.5,2.7,116,53,69,26,false,Buy,Add to core equity +1%,-7,-8,BrokerC,VWAP,100,None,None,Normal monitoring,88,-13,164,3,false,Within IPS guidelines
P5120,Hands-off,Taxable,USD,2025-10-31,839716,35357,804359,1.0,63.9,22.6,4.4,9.1,MUB:33.3%;VOO:33.3%;XLF:33.3%,US:68.6;EU:12.4;APAC:5.1;EM:11.7;Other:2.2,Value:-0.1;Growth:-0.7;Quality:-0.2;Size:-0.1;Momentum:-0.3;LowVol:+0.6,,10,30,4.4,trailing 10%,141,14.8,Bull,12.9,4.7,2.7,73,53,85,52,false,Buy,Add to core equity +1%,-4,-13,BrokerC,MKT,90,None,None,Normal monitoring,89,-1,115,4,false,Monitor dispersion and breadth
P5121,Cautious,Taxable,USD,2024-08-21,171875,24194,147681,1.0,48.3,35.3,1.8,14.6,QQQ:12.4%;MSFT:8.7%;GLD:17.4%;XLF:20.5%;BRK.B:20.5%;VTI:20.5%,US:68.5;EU:19.4;APAC:7.4;EM:4.3;Other:0.5,Value:+0.1;Growth:+0.8;Quality:+0.7;Size:0.0;Momentum:-0.7;LowVol:+0.6,MaxPos8%;NoMargin,10,25,4.4,trailing 8%,130,19.9,Sideways,19.8,4.94,2.8,125,35,63,38,false,Sell,Trim extended winner -1%,31,14,BrokerA,MKT,86,None,None,Normal monitoring,-59,-41,0,5,false,Increase defensive factor exposure
P5122,Active,IRA,USD,2024-10-24,1491918,145918,1346000,1.0,69.7,23.9,1.4,5.0,MSFT:20.2%;BND:26.6%;HYG:26.6%;GLD:26.6%,US:62.6;EU:16.4;APAC:6.3;EM:11.6;Other:3.0,Value:+0.3;Growth:+0.9;Quality:+0.7;Size:+0.5;Momentum:-0.4;LowVol:-0.7,,10,35,4.9,hard 12%,204,27.8,Volatile,27.5,5.16,2.7,165,69,97,82,true,Hedge,Buy index puts 1% notional,-2,-6,BrokerC,VWAP,91,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-10,-28,91,5,false,Increase defensive factor exposure
P5123,Systematic,Roth,USD,2025-03-03,542184,42302,499882,1.0,58.5,22.3,9.9,9.3,AMZN:11.9%;XLF:19.3%;MUB:9.6%;VOO:20.2%;TSLA:18.8%;VNQ:20.2%,US:66.7;EU:8.1;APAC:12.9;EM:11.3;Other:1.0,Value:+0.8;Growth:+0.9;Quality:-0.6;Size:-0.2;Momentum:-0.7;LowVol:-0.2,MaxPos5%,6,35,5.9,trailing 8%,210,25.7,Volatile,23.3,4.56,2.2,131,68,73,65,false,NoAction,Within bands; monitor,33,10,BrokerD,VWAP,98,None,None,Normal monitoring,-4,7,78,5,false,Tax-aware sells next window
P5124,Opportunistic,Trust,USD,2025-11-14,920690,54455,866235,1.0,73.1,21.2,0.0,5.7,BRK.B:17.5%;VOO:17.8%;MUB:22.6%;HYG:22.6%;QQQ:19.5%,US:64.0;EU:7.7;APAC:14.5;EM:9.7;Other:4.2,Value:+1.0;Growth:+0.6;Quality:-0.4;Size:+0.4;Momentum:-0.8;LowVol:-0.2,,7,35,4.7,trailing 9%,218,30.0,Bull,15.6,4.09,2.2,96,8,56,45,false,Rebalance,Shift +1% to bonds from equity,18,-24,BrokerC,LMT,100,None,None,Normal monitoring,71,-16,101,4,false,Tighten stops on momentum names
P5125,Active,Roth,USD,2024-10-27,1701044,117036,1584008,1.0,54.1,30.5,6.2,9.2,TSLA:15.6%;MUB:28.1%;BND:28.1%;VTI:28.1%,US:69.9;EU:9.4;APAC:13.0;EM:4.5;Other:3.3,Value:-0.7;Growth:-0.6;Quality:+1.0;Size:+0.7;Momentum:-0.0;LowVol:-0.8,NoDerivatives,7,30,5.4,trailing 9%,171,21.4,Bear,24.4,4.1,2.9,208,-43,42,63,false,Hedge,Add TLT +1% as duration hedge,24,-12,BrokerD,LMT,85,None,None,Normal monitoring,120,-16,112,5,false,Tax-aware sells next window
P5126,Opportunistic,Trust,USD,2024-07-28,647270,36834,610436,1.0,73.8,17.7,1.2,7.4,BRK.B:25.3%;MSFT:25.3%;TSLA:12.5%;QQQ:25.3%;TLT:11.7%,US:66.8;EU:8.5;APAC:12.1;EM:12.4;Other:0.1,Value:-0.1;Growth:-0.5;Quality:+0.9;Size:-0.3;Momentum:-0.2;LowVol:-0.4,NoDerivatives,10,30,6.6,trailing 9%,162,27.1,Bull,15.9,3.61,2.6,115,56,86,56,false,Buy,Add to core equity +1%,-7,-26,BrokerC,LMT,96,None,None,Normal monitoring,-58,2,-51,5,false,Tighten stops on momentum names
P5127,Opportunistic,IRA,USD,2025-01-26,680564,29399,651165,1.17,66.6,21.7,6.4,5.3,AAPL:34.8%;TSLA:31.6%;MSFT:33.6%,US:74.2;EU:8.2;APAC:6.7;EM:8.9;Other:2.0,Value:-0.5;Growth:-0.7;Quality:-0.6;Size:+1.0;Momentum:+1.0;LowVol:-0.5,NoDerivatives,5,30,6.8,trailing 7%,273,23.8,Sideways,20.8,3.63,3.4,124,13,49,65,false,Sell,Trim extended winner -1%,-2,3,BrokerA,LMT,91,None,None,Normal monitoring,106,-26,93,3,false,Tax-aware sells next window
P5128,Systematic,IRA,USD,2024-07-12,1981625,191844,1789781,1.0,66.8,28.4,0.0,4.8,AMZN:21.3%;VOO:11.4%;TSLA:19.4%;MUB:24.0%;XLF:24.0%,US:65.4;EU:17.8;APAC:7.2;EM:5.9;Other:3.7,Value:+0.7;Growth:+0.3;Quality:+0.4;Size:+0.4;Momentum:+0.6;LowVol:+0.7,,6,25,5.8,trailing 9%,169,16.8,Bull,12.3,4.3,2.5,92,111,100,37,false,Buy,Add to core equity +1%,35,-37,BrokerA,LMT,100,None,None,Normal monitoring,-22,-43,21,5,false,Tighten stops on momentum names
P5129,Active,Roth,USD,2024-08-11,2142794,172373,1970421,1.0,60.9,30.2,0.0,8.9,TSLA:33.3%;MUB:33.3%;HYG:33.3%,US:59.7;EU:18.6;APAC:9.7;EM:11.0;Other:0.9,Value:+0.8;Growth:+0.9;Quality:-0.8;Size:+0.7;Momentum:+0.3;LowVol:+0.9,,6,25,4.6,trailing 8%,135,17.6,Bull,15.1,4.04,3.0,98,7,39,39,false,Rebalance,Shift +1% to bonds from equity,4,-29,BrokerD,LMT,87,None,None,Normal monitoring,4,-37,-6,3,false,Tax-aware sells next window
P5130,Systematic,Trust,USD,2025-07-05,1341398,116183,1225215,1.0,64.9,23.3,6.6,5.3,AMZN:27.1%;BRK.B:18.7%;MSFT:27.1%;HYG:27.1%,US:70.0;EU:8.9;APAC:12.2;EM:8.9;Other:0.0,Value:+1.0;Growth:-0.8;Quality:+0.2;Size:+0.3;Momentum:+0.8;LowVol:+0.6,,6,35,4.3,trailing 8%,160,19.9,Volatile,28.0,4.42,4.5,171,60,70,81,true,Hedge,Buy index puts 1% notional,10,13,BrokerC,LMT,88,RegimeShift,Hedge,Volatility spike and breadth deterioration,-13,-46,6,5,false,Tighten stops on momentum names
P5131,Active,Roth,USD,2025-05-30,1389367,109898,1279469,1.25,50.4,26.4,17.4,5.9,MSFT:27.4%;IEF:17.9%;XLF:27.2%;BRK.B:27.4%,US:58.4;EU:15.3;APAC:13.6;EM:9.8;Other:2.8,Value:-0.2;Growth:-0.9;Quality:+0.5;Size:-1.0;Momentum:-0.3;LowVol:-0.5,,5,30,4.6,trailing 8%,141,17.1,Bear,32.5,3.96,2.1,145,37,72,83,true,Hedge,Buy index puts 1% notional,34,4,BrokerD,LMT,93,VAR>budget,Reduce,Risk above budget threshold,57,-37,152,3,false,Monitor dispersion and breadth
P5132,Cautious,401k,USD,2025-03-07,599110,58487,540623,1.0,49.8,36.4,0.0,13.9,BND:33.5%;VOO:32.9%;TSLA:33.5%,US:70.0;EU:10.5;APAC:12.8;EM:5.4;Other:1.3,Value:+0.6;Growth:-0.2;Quality:+0.6;Size:+0.9;Momentum:-0.5;LowVol:+0.3,NoMargin,7,30,3.3,trailing 8%,91,18.0,Sideways,17.2,3.74,2.0,117,-11,51,38,false,Rebalance,Shift +1% to bonds from equity,16,15,BrokerC,MKT,90,None,None,Normal monitoring,53,-6,62,3,false,Tax-aware sells next window
P5133,Hands-off,IRA,USD,2024-07-25,550657,53396,497261,1.0,62.3,20.0,8.1,9.6,VOO:21.5%;MSFT:10.5%;TLT:22.7%;HYG:22.7%;GLD:22.7%,US:63.8;EU:12.3;APAC:8.2;EM:11.4;Other:4.3,Value:+0.7;Growth:+0.5;Quality:-0.0;Size:+0.4;Momentum:-0.9;LowVol:-0.6,ESGOnly;MaxPos6%,8,30,5.3,trailing 10%,170,15.9,Bear,31.9,3.53,1.2,172,-51,21,80,true,Hedge,Buy index puts 1% notional,10,13,BrokerB,MKT,89,VAR>budget,Hedge,Risk above budget threshold,-21,-20,52,3,false,Increase defensive factor exposure
P5134,Hands-off,Roth,USD,2024-08-30,293973,20695,273278,1.0,69.2,23.8,0.0,7.0,TSLA:21.7%;GLD:21.7%;AAPL:18.8%;XLF:16.1%;BND:21.7%,US:67.9;EU:10.8;APAC:11.2;EM:6.6;Other:3.5,Value:-0.1;Growth:-0.1;Quality:+0.9;Size:+0.4;Momentum:-0.8;LowVol:-0.3,ESGOnly;MaxPos5%,10,25,4.2,trailing 10%,94,14.3,Bull,16.3,4.39,2.8,81,42,67,54,false,Sell,Trim extended winner -1%,28,1,BrokerA,VWAP,91,None,None,Normal monitoring,9,-54,-21,3,false,Increase defensive factor exposure
P5135,Hands-off,IRA,USD,2025-11-14,647294,58969,588325,1.0,68.3,23.9,0.0,7.8,AAPL:19.5%;XLF:8.1%;AMZN:9.8%;HYG:20.9%;QQQ:20.9%;BRK.B:20.9%,US:70.5;EU:6.6;APAC:13.1;EM:7.5;Other:2.3,Value:-0.5;Growth:-0.6;Quality:-0.3;Size:-0.7;Momentum:-0.3;LowVol:-0.2,NoDerivatives,6,35,5.1,hard 10%,102,19.9,Bull,14.6,3.66,2.9,71,80,76,43,false,Rebalance,Shift +1% to bonds from equity,13,-23,BrokerD,LMT,92,None,None,Normal monitoring,-58,-31,-42,3,false,Monitor dispersion and breadth
P5136,Hands-off,Roth,USD,2024-10-19,701560,62017,639543,1.0,73.6,17.4,0.0,9.0,MSFT:25.0%;GLD:25.0%;TLT:25.0%;VTI:25.0%,US:65.5;EU:8.2;APAC:17.1;EM:7.7;Other:1.5,Value:-0.0;Growth:-0.4;Quality:+0.8;Size:+0.7;Momentum:+1.0;LowVol:+0.1,ESGOnly;NoDerivatives,6,35,3.3,trailing 8%,144,19.6,Volatile,20.7,4.9,4.0,160,-55,27,56,false,Rebalance,Shift +1% to bonds from equity,-8,-34,BrokerC,LMT,99,None,None,Normal monitoring,59,4,165,4,false,Tighten stops on momentum names
P5137,Hands-off,Roth,USD,2025-09-10,848441,54329,794112,1.0,70.2,21.8,0.0,8.0,VTI:33.3%;TLT:33.3%;GLD:33.3%,US:61.5;EU:19.0;APAC:7.3;EM:7.6;Other:4.6,Value:+0.5;Growth:-0.7;Quality:+0.4;Size:-0.4;Momentum:+0.5;LowVol:-0.8,,6,30,4.1,hard 10%,150,14.7,Bull,14.4,4.26,2.9,78,105,97,58,false,Buy,Add to core equity +1%,33,15,BrokerD,MKT,97,None,None,Normal monitoring,-60,-10,21,5,false,Monitor dispersion and breadth
P5138,Opportunistic,Trust,USD,2025-06-01,627932,44422,583510,1.0,70.1,18.4,4.5,7.0,IEF:20.4%;GLD:18.2%;TSLA:16.2%;AAPL:16.7%;VOO:19.0%;BND:9.4%,US:65.8;EU:15.2;APAC:10.6;EM:4.0;Other:4.4,Value:+1.0;Growth:-0.6;Quality:-0.5;Size:+0.3;Momentum:-0.3;LowVol:+0.2,NoDerivatives,5,35,6.2,trailing 7%,238,30.2,Bull,11.1,4.86,2.5,98,19,58,46,false,Hedge,Add TLT +1% as duration hedge,-9,-2,BrokerD,LMT,89,None,None,Normal monitoring,-6,14,114,5,false,Tax-aware sells next window
P5139,Hands-off,Trust,USD,2025-08-29,187948,11471,176477,1.0,68.6,20.8,5.6,5.0,VNQ:23.7%;BRK.B:30.3%;QQQ:30.3%;MUB:15.8%,US:66.5;EU:11.1;APAC:11.5;EM:9.5;Other:1.3,Value:-1.0;Growth:+0.6;Quality:+0.4;Size:-1.0;Momentum:-0.7;LowVol:-0.4,MaxPos6%,8,30,4.9,trailing 10%,108,16.3,Bull,12.4,4.68,2.8,77,91,83,54,false,Rebalance,Shift +1% to bonds from equity,28,-7,BrokerC,LMT,97,None,None,Normal monitoring,-26,-48,-35,3,false,Increase defensive factor exposure
P5140,Hands-off,Taxable,USD,2025-05-17,207627,16344,191283,1.0,60.2,22.8,11.6,5.4,IEF:23.4%;BND:23.4%;AAPL:13.3%;VTI:16.5%;MUB:23.4%,US:67.4;EU:11.7;APAC:12.7;EM:8.1;Other:0.1,Value:-0.3;Growth:+0.4;Quality:-0.6;Size:0.0;Momentum:+0.5;LowVol:-0.3,,7,30,4.3,trailing 8%,127,17.5,Sideways,16.2,3.93,2.4,90,42,72,57,false,Sell,Trim extended winner -1%,28,-2,BrokerA,MKT,85,None,None,Normal monitoring,45,-22,132,3,false,Increase defensive factor exposure
P5141,Active,401k,USD,2025-12-20,944428,72099,872329,1.2,60.6,18.3,13.6,7.5,IEF:26.4%;MUB:23.4%;TLT:26.4%;BND:23.8%,US:72.5;EU:7.8;APAC:13.8;EM:4.4;Other:1.4,Value:-0.4;Growth:+0.5;Quality:+0.1;Size:-0.9;Momentum:-0.9;LowVol:+0.8,,5,25,5.4,trailing 8%,209,27.9,Bull,16.7,4.09,3.3,119,66,70,40,false,Rebalance,Shift +1% to bonds from equity,29,-5,BrokerC,MKT,93,None,None,Normal monitoring,117,-8,178,5,false,Monitor dispersion and breadth
P5142,Opportunistic,Taxable,USD,2025-04-29,1189867,42750,1147117,1.0,73.4,10.6,8.6,7.4,AAPL:19.3%;VNQ:21.2%;QQQ:21.1%;VTI:11.2%;BND:18.3%;VOO:8.8%,US:67.9;EU:13.4;APAC:8.3;EM:7.2;Other:3.2,Value:-1.0;Growth:-0.8;Quality:-0.2;Size:-1.0;Momentum:0.0;LowVol:+0.2,NoDerivatives,6,30,6.1,hard 12%,233,26.2,Bull,16.5,3.67,3.3,118,102,86,65,false,Buy,Add to core equity +1%,-5,-20,BrokerA,MKT,91,None,None,Normal monitoring,105,13,181,5,false,Within IPS guidelines
P5143,Cautious,401k,USD,2025-06-10,512094,72638,439456,1.0,53.0,34.2,0.0,12.8,AMZN:33.3%;QQQ:33.3%;TLT:33.3%,US:67.4;EU:14.9;APAC:6.2;EM:8.1;Other:3.3,Value:-0.7;Growth:+0.2;Quality:-0.7;Size:-0.7;Momentum:0.0;LowVol:-0.2,NoDerivatives;NoMargin,10,30,5.0,trailing 8%,119,16.2,Bull,16.8,4.42,3.1,90,94,84,53,false,NoAction,Within bands; monitor,-14,-31,BrokerB,MKT,0,None,None,Normal monitoring,105,16,116,3,false,Tax-aware sells next window
P5144,Active,Roth,USD,2025-09-04,1813767,175519,1638248,1.06,51.8,20.1,18.3,9.8,XLF:33.3%;IEF:33.3%;BRK.B:33.3%,US:79.2;EU:6.3;APAC:7.8;EM:4.0;Other:2.7,Value:-0.8;Growth:-0.4;Quality:+0.3;Size:+0.8;Momentum:+0.5;LowVol:-0.2,MaxPos8%;NoDerivatives,10,30,5.9,trailing 8%,230,27.0,Sideways,21.2,4.71,2.5,132,14,60,48,false,Sell,Trim extended winner -1%,5,-39,BrokerD,VWAP,100,None,None,Normal monitoring,15,18,63,3,false,Monitor dispersion and breadth
P5145,Hands-off,Taxable,USD,2024-10-12,696829,48105,648724,1.0,57.1,25.5,7.5,9.9,HYG:26.6%;TLT:20.1%;TSLA:26.6%;BND:26.6%,US:62.0;EU:16.6;APAC:10.0;EM:10.1;Other:1.3,Value:-0.2;Growth:+0.8;Quality:-0.8;Size:+0.6;Momentum:-0.5;LowVol:-0.8,MaxPos6%,8,35,3.7,trailing 10%,125,12.4,Bull,16.5,3.81,2.9,111,93,95,46,false,Buy,Add to core equity +1%,-7,2,BrokerC,LMT,88,None,None,Normal monitoring,66,-4,99,4,false,Monitor dispersion and breadth
P5146,Cautious,Taxable,USD,2025-06-16,613025,89346,523679,1.0,40.4,38.7,4.0,16.9,IEF:23.2%;MSFT:26.1%;AMZN:27.4%;VNQ:23.3%,US:61.4;EU:21.5;APAC:7.7;EM:6.9;Other:2.5,Value:+0.2;Growth:-0.4;Quality:-0.2;Size:0.0;Momentum:-0.6;LowVol:-0.4,ESGOnly;NoMargin,6,30,4.3,hard 10%,123,12.9,Sideways,15.6,4.04,2.7,137,12,49,44,false,Sell,Trim extended winner -1%,31,-37,BrokerD,MKT,92,None,None,Normal monitoring,-8,17,126,4,false,Monitor dispersion and breadth
P5147,Opportunistic,IRA,USD,2025-01-16,1501956,125349,1376607,1.25,74.0,10.3,11.0,4.7,XLF:11.8%;HYG:24.4%;AAPL:17.1%;BND:22.3%;VOO:24.4%,US:67.3;EU:15.5;APAC:9.5;EM:6.4;Other:1.2,Value:-0.9;Growth:-0.6;Quality:+0.4;Size:-0.6;Momentum:+0.2;LowVol:+0.7,,5,30,4.5,hard 12%,220,22.7,Bull,14.5,3.59,2.4,78,80,99,44,false,Sell,Trim extended winner -1%,3,-26,BrokerC,LMT,97,None,None,Normal monitoring,-48,-26,-74,3,false,Monitor dispersion and breadth
P5148,Systematic,IRA,USD,2025-03-03,617244,52859,564385,1.0,62.3,30.6,0.0,7.2,BND:26.8%;TSLA:26.8%;VOO:19.7%;VTI:26.8%,US:68.6;EU:9.7;APAC:15.1;EM:5.2;Other:1.3,Value:-0.9;Growth:-0.9;Quality:+0.5;Size:-0.8;Momentum:+0.9;LowVol:-0.5,MaxPos8%;NoDerivatives,6,25,5.8,trailing 8%,204,17.1,Volatile,21.0,3.79,3.3,134,16,56,65,false,Buy,Add to core equity +1%,4,5,BrokerC,MKT,97,None,None,Normal monitoring,50,-37,182,4,false,Monitor dispersion and breadth
P5149,Active,401k,USD,2024-10-16,1606327,138430,1467897,1.0,57.0,18.5,15.2,9.3,XLF:12.5%;VOO:20.8%;AAPL:24.9%;VTI:22.0%;TSLA:19.9%,US:77.7;EU:5.5;APAC:5.4;EM:7.7;Other:3.7,Value:+0.4;Growth:-0.3;Quality:+0.8;Size:+0.2;Momentum:-0.4;LowVol:-0.2,,7,30,4.9,trailing 9%,171,25.5,Sideways,16.4,4.49,2.2,123,15,48,52,true,Hedge,Buy index puts 1% notional,-4,-31,BrokerC,MKT,93,Drift>tolerance,Pause,Allocation drift beyond policy bands,-32,-17,56,4,false,Increase defensive factor exposure
P5150,Cautious,Roth,USD,2025-03-01,289006,35792,253214,1.0,47.7,37.5,0.0,14.9,VNQ:17.7%;MSFT:20.6%;QQQ:6.9%;BND:16.5%;AAPL:17.9%;IEF:20.6%,US:71.6;EU:6.2;APAC:12.3;EM:7.2;Other:2.6,Value:-0.3;Growth:-0.8;Quality:-0.6;Size:+0.1;Momentum:0.0;LowVol:-0.6,ESGOnly;MaxPos6%;NoMargin,10,35,3.1,hard 10%,114,19.2,Volatile,28.8,4.44,2.9,112,-57,14,63,false,Rebalance,Shift +1% to bonds from equity,-4,-28,BrokerC,VWAP,92,None,None,Normal monitoring,98,7,68,5,false,Tax-aware sells next window
P5151,Opportunistic,Taxable,USD,2025-12-18,435540,14605,420935,1.0,74.3,11.8,6.9,6.9,MUB:27.0%;QQQ:27.0%;IEF:22.5%;VTI:23.6%,US:70.8;EU:8.6;APAC:10.7;EM:6.9;Other:3.1,Value:-0.8;Growth:+0.9;Quality:+0.1;Size:-0.8;Momentum:+0.7;LowVol:+0.4,,10,35,6.8,hard 12%,227,32.8,Volatile,22.5,5.07,3.5,152,-24,25,63,true,Hedge,Buy index puts 1% notional,17,10,BrokerA,MKT,100,RegimeShift,TightenStops,Volatility spike and breadth deterioration,-30,-34,46,5,false,Tighten stops on momentum names
P5152,Active,Taxable,USD,2024-10-23,1188025,78057,1109968,1.0,55.3,27.9,7.3,9.5,IEF:21.8%;TLT:10.9%;AAPL:11.1%;BND:12.6%;BRK.B:21.8%;VTI:21.8%,US:71.6;EU:5.9;APAC:8.4;EM:13.1;Other:1.0,Value:+0.1;Growth:-1.0;Quality:+0.6;Size:+0.9;Momentum:+0.2;LowVol:0.0,,6,35,5.9,hard 12%,175,27.6,Sideways,20.1,4.22,2.2,106,46,69,56,false,Buy,Add to core equity +1%,8,-34,BrokerA,LMT,85,None,None,Normal monitoring,-26,-28,36,4,false,Monitor dispersion and breadth
P5153,Cautious,401k,USD,2025-01-22,214866,32761,182105,1.0,53.5,29.9,0.0,16.7,AMZN:22.8%;MSFT:19.1%;GLD:17.2%;TSLA:22.8%;VNQ:9.0%;TLT:9.0%,US:71.6;EU:7.8;APAC:14.8;EM:5.7;Other:0.1,Value:+0.7;Growth:+0.5;Quality:+0.4;Size:-1.0;Momentum:+0.3;LowVol:-0.5,NoMargin,10,35,3.4,hard 10%,170,15.7,Volatile,31.2,4.73,2.0,150,16,52,81,true,Hedge,Buy index puts 1% notional,19,-31,BrokerC,MKT,97,RegimeShift,Pause,Volatility spike and breadth deterioration,77,10,181,3,false,Tax-aware sells next window
P5154,Active,Roth,USD,2025-09-01,636294,63451,572843,1.0,53.2,29.0,12.0,5.7,BRK.B:10.8%;AMZN:23.5%;VOO:11.3%;AAPL:23.5%;GLD:15.2%;TLT:15.6%,US:63.3;EU:12.8;APAC:10.1;EM:11.1;Other:2.7,Value:+0.3;Growth:+0.8;Quality:-0.8;Size:+0.1;Momentum:+0.1;LowVol:+1.0,,5,35,5.1,trailing 9%,145,25.2,Volatile,20.9,5.17,3.9,136,-29,29,62,false,NoAction,Within bands; monitor,20,3,BrokerB,MKT,0,None,None,Normal monitoring,68,-54,54,4,false,Monitor dispersion and breadth
P5155,Systematic,Roth,USD,2025-09-15,488316,30552,457764,1.0,56.2,29.0,8.5,6.3,IEF:16.6%;TLT:28.1%;VNQ:27.1%;XLF:28.1%,US:70.0;EU:18.7;APAC:6.0;EM:5.0;Other:0.4,Value:-0.9;Growth:-0.7;Quality:-0.7;Size:-0.5;Momentum:-0.5;LowVol:-0.4,MaxPos6%;NoDerivatives,10,35,4.1,trailing 9%,142,23.2,Volatile,24.5,3.85,3.1,143,35,75,70,false,Buy,Add to core equity +1%,17,-21,BrokerC,MKT,95,None,None,Normal monitoring,14,-53,29,3,false,Within IPS guidelines
P5156,Opportunistic,Trust,USD,2024-12-05,962709,86171,876538,1.13,73.4,20.7,0.0,6.0,XLF:20.4%;MSFT:29.6%;VTI:20.3%;AMZN:29.6%,US:68.0;EU:12.9;APAC:8.5;EM:5.3;Other:5.3,Value:+0.3;Growth:+0.7;Quality:-0.1;Size:+0.9;Momentum:+0.6;LowVol:+0.2,MaxPos6%,8,25,6.2,trailing 9%,257,25.7,Bull,11.4,4.15,2.1,92,20,66,37,false,NoAction,Within bands; monitor,29,-26,BrokerD,LMT,88,None,None,Normal monitoring,37,-52,21,5,false,Within IPS guidelines
P5157,Cautious,Taxable,USD,2025-09-06,432118,53594,378524,1.0,48.8,35.2,0.0,16.1,IEF:11.2%;VNQ:21.7%;BND:23.4%;VTI:20.2%;GLD:23.4%,US:68.6;EU:15.4;APAC:7.9;EM:4.7;Other:3.4,Value:+0.9;Growth:-1.0;Quality:-0.5;Size:+0.7;Momentum:+1.0;LowVol:+0.2,MaxPos7%;NoMargin,8,30,6.0,trailing 10%,143,16.0,Volatile,30.2,5.29,3.3,145,55,73,73,true,Reduce,"Cut high-beta by 2-3%, add cash",6,-36,BrokerD,MKT,91,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,75,-1,36,3,false,Monitor dispersion and breadth
P5158,Opportunistic,Roth,USD,2025-04-05,1115001,96294,1018707,1.0,75.7,13.5,5.8,5.0,GLD:25.0%;IEF:25.0%;TSLA:25.0%;BRK.B:25.0%,US:64.6;EU:15.4;APAC:12.2;EM:5.4;Other:2.4,Value:+0.5;Growth:+0.6;Quality:+0.2;Size:+0.7;Momentum:+0.3;LowVol:+0.3,,5,30,4.2,trailing 7%,203,26.6,Sideways,21.2,4.2,2.6,101,28,75,62,false,NoAction,Within bands; monitor,10,-33,BrokerA,MKT,0,None,None,Normal monitoring,83,-13,139,3,false,Within IPS guidelines
P5159,Hands-off,Roth,USD,2024-11-05,896769,75811,820958,1.0,71.5,18.9,0.5,9.0,BRK.B:20.6%;QQQ:21.3%;AAPL:15.4%;GLD:21.3%;IEF:21.3%,US:63.4;EU:15.0;APAC:10.2;EM:7.2;Other:4.1,Value:+0.6;Growth:+0.7;Quality:-0.5;Size:-0.2;Momentum:+0.9;LowVol:+0.8,,8,25,4.7,trailing 8%,106,15.9,Bull,14.0,3.77,2.3,76,90,100,57,false,NoAction,Within bands; monitor,3,11,BrokerD,LMT,91,None,None,Normal monitoring,-40,-6,54,3,false,Within IPS guidelines
P5160,Hands-off,Roth,USD,2024-08-29,718797,35649,683148,1.0,69.1,21.8,0.0,9.1,HYG:31.0%;TSLA:34.5%;MUB:34.5%,US:73.7;EU:6.8;APAC:9.9;EM:4.8;Other:4.7,Value:-0.4;Growth:-0.1;Quality:-0.3;Size:+0.6;Momentum:-0.5;LowVol:+0.9,ESGOnly,6,35,4.3,trailing 8%,112,12.8,Volatile,28.9,3.93,2.8,152,23,65,85,true,Reduce,"Cut high-beta by 2-3%, add cash",-6,14,BrokerD,MKT,88,VAR>budget,Reduce,Risk above budget threshold,42,-34,167,5,false,Within IPS guidelines
P5161,Opportunistic,401k,USD,2025-02-25,993994,72247,921747,1.0,65.1,20.2,5.9,8.8,TSLA:20.8%;AAPL:26.4%;BRK.B:26.4%;AMZN:26.4%,US:70.4;EU:6.5;APAC:8.5;EM:9.9;Other:4.8,Value:-0.9;Growth:+0.3;Quality:+0.6;Size:+0.7;Momentum:-0.3;LowVol:+0.9,,10,35,5.3,trailing 9%,164,29.0,Sideways,21.7,4.09,3.1,92,-8,43,53,false,Hedge,Add TLT +1% as duration hedge,-14,14,BrokerB,LMT,93,None,None,Normal monitoring,-23,-20,-24,5,false,Monitor dispersion and breadth
P5162,Opportunistic,Trust,USD,2025-03-18,818836,41518,777318,1.0,66.0,14.5,13.8,5.8,IEF:33.3%;HYG:33.3%;QQQ:33.3%,US:68.4;EU:11.0;APAC:9.0;EM:11.4;Other:0.2,Value:-0.1;Growth:-0.0;Quality:-0.6;Size:+0.4;Momentum:-0.5;LowVol:+0.4,NoDerivatives,5,30,5.7,trailing 7%,237,25.0,Bull,12.9,4.91,3.4,71,16,57,36,false,Buy,Add to core equity +1%,-11,-18,BrokerD,MKT,89,None,None,Normal monitoring,-12,-34,12,3,false,Tighten stops on momentum names
P5163,Active,IRA,USD,2025-12-21,519178,34826,484352,1.0,68.3,20.8,2.1,8.8,VNQ:33.3%;IEF:33.3%;TLT:33.3%,US:61.8;EU:7.5;APAC:14.9;EM:12.0;Other:3.8,Value:+0.1;Growth:-0.0;Quality:-0.8;Size:-0.2;Momentum:+0.1;LowVol:-0.9,NoDerivatives,8,35,4.8,trailing 8%,204,21.4,Bull,13.7,4.4,2.9,104,12,45,40,false,Rebalance,Shift +1% to bonds from equity,-6,-13,BrokerA,MKT,85,None,None,Normal monitoring,38,-41,141,3,false,Increase defensive factor exposure
P5164,Cautious,Taxable,USD,2025-03-10,705982,78522,627460,1.0,40.8,33.4,8.1,17.7,HYG:17.4%;AAPL:19.2%;VNQ:24.5%;BRK.B:24.5%;MSFT:14.3%,US:65.9;EU:5.8;APAC:13.3;EM:11.6;Other:3.4,Value:+0.1;Growth:-0.4;Quality:+0.3;Size:-0.0;Momentum:+0.8;LowVol:+0.8,ESGOnly;MaxPos6%;NoDerivatives;NoMargin,7,25,4.0,hard 10%,98,18.3,Volatile,25.9,4.5,2.6,161,44,70,57,false,Buy,Add to core equity +1%,-4,-11,BrokerB,VWAP,92,None,None,Normal monitoring,86,-31,196,3,false,Increase defensive factor exposure
P5165,Systematic,Trust,USD,2024-11-16,941306,80992,860314,1.0,65.4,27.6,0.0,7.1,TSLA:28.1%;GLD:22.3%;VOO:21.5%;VTI:28.1%,US:63.2;EU:18.3;APAC:11.3;EM:4.0;Other:3.2,Value:-0.9;Growth:-0.9;Quality:+0.9;Size:+0.1;Momentum:-0.9;LowVol:-1.0,MaxPos5%,5,35,4.9,hard 12%,139,25.2,Bull,14.0,3.73,2.3,98,26,54,44,true,Hedge,Buy index puts 1% notional,24,1,BrokerC,LMT,90,VAR>budget,Hedge,Risk above budget threshold,-21,-22,36,2,false,Monitor dispersion and breadth
P5166,Cautious,401k,USD,2025-01-01,825098,131937,693161,1.0,54.1,30.2,1.5,14.2,BND:8.5%;XLF:22.9%;VNQ:22.9%;VOO:22.9%;GLD:22.9%,US:69.0;EU:15.5;APAC:10.7;EM:3.1;Other:1.7,Value:-0.5;Growth:-0.4;Quality:+0.2;Size:-0.6;Momentum:-0.4;LowVol:+1.0,NoDerivatives;NoMargin,5,25,4.6,trailing 10%,154,13.8,Bull,14.1,3.99,2.5,95,2,60,42,false,Buy,Add to core equity +1%,21,-31,BrokerB,VWAP,92,None,None,Normal monitoring,-53,-57,15,4,false,Tighten stops on momentum names
P5167,Opportunistic,Trust,USD,2025-09-30,687315,49014,638301,1.0,73.1,22.0,0.6,4.3,AMZN:33.3%;HYG:33.3%;IEF:33.3%,US:71.3;EU:6.5;APAC:11.4;EM:6.6;Other:4.2,Value:-0.8;Growth:-0.3;Quality:+0.4;Size:-0.0;Momentum:-1.0;LowVol:+0.5,MaxPos7%,10,25,5.4,trailing 7%,193,26.1,Volatile,26.7,3.98,3.9,119,-51,18,82,true,Rebalance,Rebalance back to target bands,11,0,BrokerD,LMT,99,Drift>tolerance,Reduce,Allocation drift beyond policy bands,16,-27,-14,2,true,Tax-aware sells next window
P5168,Hands-off,Roth,USD,2025-01-24,513031,48682,464349,1.0,71.7,18.1,2.7,7.5,BRK.B:33.3%;BND:33.3%;VOO:33.3%,US:66.9;EU:8.5;APAC:13.7;EM:10.8;Other:0.1,Value:+0.4;Growth:-0.2;Quality:+0.5;Size:+0.4;Momentum:+0.4;LowVol:+1.0,ESGOnly;MaxPos6%;NoDerivatives,6,30,5.9,trailing 8%,117,16.0,Sideways,19.0,3.65,2.0,134,-12,59,62,false,Buy,Add to core equity +1%,22,-33,BrokerC,LMT,94,None,None,Normal monitoring,-40,19,-45,4,false,Tighten stops on momentum names
P5169,Systematic,Roth,USD,2024-07-18,1965006,128176,1836830,1.0,65.1,29.9,0.0,4.9,QQQ:33.3%;TSLA:33.3%;IEF:33.3%,US:74.4;EU:10.3;APAC:5.3;EM:6.0;Other:4.1,Value:+0.9;Growth:+0.5;Quality:-0.8;Size:+1.0;Momentum:+0.4;LowVol:-0.4,,10,25,4.9,hard 12%,142,25.3,Bear,29.6,4.49,1.3,164,-5,59,74,true,Reduce,"Cut high-beta by 2-3%, add cash",9,9,BrokerC,MKT,94,Drift>tolerance,Pause,Allocation drift beyond policy bands,23,-58,32,4,false,Monitor dispersion and breadth
P5170,Systematic,401k,USD,2025-05-22,1125103,109942,1015161,1.0,65.5,27.4,0.9,6.2,VNQ:33.3%;MUB:33.3%;VOO:33.3%,US:70.3;EU:11.3;APAC:13.0;EM:3.3;Other:2.1,Value:+0.8;Growth:-0.1;Quality:-0.5;Size:+0.2;Momentum:+0.2;LowVol:-0.9,MaxPos7%,10,25,5.4,trailing 9%,135,25.0,Sideways,15.0,4.74,3.2,114,-21,26,53,false,NoAction,Within bands; monitor,25,-27,BrokerC,MKT,0,None,None,Normal monitoring,41,-7,102,3,false,Increase defensive factor exposure
P5171,Active,Trust,USD,2025-03-05,1481798,147323,1334475,1.0,63.3,21.9,7.5,7.3,VNQ:25.0%;TLT:25.0%;HYG:25.0%;VOO:25.0%,US:71.3;EU:14.7;APAC:7.5;EM:5.0;Other:1.4,Value:+0.4;Growth:+0.3;Quality:+0.8;Size:+0.9;Momentum:+0.1;LowVol:-0.9,MaxPos7%,7,35,5.3,trailing 9%,193,17.0,Sideways,17.0,3.57,3.4,90,3,47,60,false,Hedge,Add TLT +1% as duration hedge,-7,15,BrokerD,VWAP,95,None,None,Normal monitoring,-18,9,5,4,false,Tax-aware sells next window
P5172,Systematic,401k,USD,2024-08-25,1471673,81485,1390188,1.0,59.6,22.2,12.9,5.3,IEF:26.3%;GLD:26.3%;HYG:21.0%;TLT:26.3%,US:59.6;EU:15.4;APAC:12.4;EM:9.3;Other:3.3,Value:+0.4;Growth:-0.8;Quality:+0.8;Size:+0.2;Momentum:+0.1;LowVol:+1.0,,6,25,5.6,trailing 8%,123,22.7,Volatile,28.4,4.07,3.1,149,-59,14,73,true,Hedge,Buy index puts 1% notional,-13,1,BrokerA,MKT,88,RegimeShift,TightenStops,Volatility spike and breadth deterioration,81,-7,56,3,false,Monitor dispersion and breadth
P5173,Active,Taxable,USD,2024-08-14,1170555,94390,1076165,1.0,68.1,19.3,6.2,6.4,MSFT:20.1%;BRK.B:20.1%;VOO:16.8%;AMZN:9.7%;MUB:17.8%;VNQ:15.6%,US:65.6;EU:14.8;APAC:11.5;EM:4.6;Other:3.6,Value:+0.6;Growth:+0.9;Quality:+0.2;Size:-0.4;Momentum:0.0;LowVol:+0.6,,6,35,5.2,hard 12%,124,24.5,Volatile,30.7,3.91,3.4,113,-4,43,92,true,Hedge,Buy index puts 1% notional,12,4,BrokerB,LMT,100,RegimeShift,Reduce,Volatility spike and breadth deterioration,120,-49,222,2,false,Increase defensive factor exposure
P5174,Active,IRA,USD,2024-12-10,2270364,150238,2120126,1.0,58.7,23.4,11.5,6.5,TSLA:25.0%;HYG:25.0%;AAPL:25.0%;AMZN:25.0%,US:62.8;EU:16.7;APAC:8.5;EM:10.0;Other:2.0,Value:-0.4;Growth:+0.4;Quality:-0.5;Size:-0.8;Momentum:+1.0;LowVol:-0.2,,6,25,4.1,trailing 8%,161,21.5,Bull,11.4,3.82,2.7,75,114,100,28,true,Hedge,Buy index puts 1% notional,19,-2,BrokerD,VWAP,96,RegimeShift,Reduce,Volatility spike and breadth deterioration,-35,0,-18,5,false,Increase defensive factor exposure
P5175,Systematic,Roth,USD,2025-10-05,1008827,58242,950585,1.0,61.2,31.7,0.0,7.1,TSLA:22.3%;TLT:25.9%;QQQ:25.9%;AAPL:25.9%,US:61.4;EU:12.5;APAC:14.2;EM:8.7;Other:3.2,Value:+1.0;Growth:-0.3;Quality:0.0;Size:+0.9;Momentum:+0.5;LowVol:+0.2,,10,30,4.5,trailing 9%,188,20.6,Volatile,31.4,3.93,2.1,147,46,68,86,true,Hedge,Buy index puts 1% notional,11,-20,BrokerC,LMT,86,VAR>budget,TightenStops,Risk above budget threshold,-51,12,-6,4,true,Increase defensive factor exposure
P5176,Hands-off,401k,USD,2024-09-20,370426,27824,342602,1.0,66.5,24.9,0.0,8.6,HYG:28.4%;XLF:27.7%;VOO:15.5%;IEF:28.4%,US:69.5;EU:11.5;APAC:9.9;EM:6.7;Other:2.4,Value:+0.1;Growth:+0.2;Quality:-0.5;Size:+0.1;Momentum:-0.7;LowVol:+0.5,MaxPos7%,6,25,3.8,trailing 8%,121,18.3,Bull,13.8,3.8,3.5,101,102,100,39,false,Buy,Add to core equity +1%,14,-32,BrokerA,VWAP,98,None,None,Normal monitoring,21,-33,-15,4,false,Tighten stops on momentum names
P5177,Active,401k,USD,2025-03-24,2224193,140583,2083610,1.14,60.1,22.0,8.2,9.8,VOO:33.3%;VNQ:33.3%;AAPL:33.3%,US:71.8;EU:16.6;APAC:7.4;EM:4.2;Other:0.0,Value:-0.1;Growth:+0.6;Quality:-0.0;Size:-0.4;Momentum:-0.5;LowVol:-0.4,MaxPos7%;NoDerivatives,6,35,4.1,trailing 9%,186,20.0,Sideways,21.1,4.95,2.1,133,56,88,59,false,Buy,Add to core equity +1%,-15,-12,BrokerA,LMT,85,None,None,Normal monitoring,-40,-12,59,3,false,Tax-aware sells next window
P5178,Hands-off,Roth,USD,2025-02-15,844804,68466,776338,1.0,68.4,26.8,0.0,4.8,BND:26.5%;VNQ:18.2%;VTI:14.2%;IEF:26.5%;GLD:14.6%,US:66.1;EU:18.6;APAC:9.7;EM:3.7;Other:2.0,Value:+0.5;Growth:+0.6;Quality:+0.3;Size:-0.8;Momentum:+0.3;LowVol:+0.5,,8,25,4.6,hard 10%,164,20.0,Bull,17.1,4.09,2.4,82,114,100,62,true,Rebalance,Rebalance back to target bands,3,-39,BrokerA,VWAP,90,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-45,-33,-41,2,false,Tighten stops on momentum names
P5179,Active,IRA,USD,2024-12-26,1223506,112948,1110558,1.22,65.1,18.4,10.2,6.3,MSFT:19.2%;MUB:20.8%;XLF:18.3%;AAPL:20.8%;QQQ:20.8%,US:78.6;EU:6.0;APAC:7.0;EM:5.1;Other:3.2,Value:+0.2;Growth:-0.0;Quality:-0.7;Size:-1.0;Momentum:-0.5;LowVol:+0.5,NoDerivatives,7,25,4.3,hard 12%,216,23.9,Volatile,26.2,5.46,4.1,143,25,72,64,true,Hedge,Buy index puts 1% notional,1,-6,BrokerB,LMT,94,Drift>tolerance,Hedge,Allocation drift beyond policy bands,89,-41,128,5,false,Tighten stops on momentum names
P5180,Systematic,Taxable,USD,2025-04-06,561361,34254,527107,1.0,58.9,32.0,0.0,9.2,IEF:26.4%;BRK.B:26.4%;GLD:20.7%;BND:26.4%,US:64.9;EU:13.3;APAC:8.0;EM:10.7;Other:3.1,Value:-0.6;Growth:+0.7;Quality:-0.5;Size:+0.4;Momentum:-0.9;LowVol:+0.7,MaxPos5%;NoDerivatives,6,25,5.4,hard 12%,135,16.7,Sideways,17.4,4.68,2.4,125,33,54,52,false,Hedge,Add TLT +1% as duration hedge,4,14,BrokerD,LMT,89,None,None,Normal monitoring,44,16,81,3,false,Tax-aware sells next window
P5181,Opportunistic,Roth,USD,2025-08-30,1550869,109103,1441766,1.0,66.2,20.1,7.4,6.4,TLT:33.3%;VTI:33.3%;VOO:33.3%,US:64.8;EU:6.9;APAC:11.9;EM:13.4;Other:3.0,Value:+0.4;Growth:+0.5;Quality:-0.6;Size:+1.0;Momentum:0.0;LowVol:-1.0,MaxPos5%,8,25,5.4,hard 12%,186,22.9,Bull,13.1,4.33,2.2,115,62,75,51,false,Buy,Add to core equity +1%,18,3,BrokerD,LMT,99,None,None,Normal monitoring,-20,4,100,5,false,Tax-aware sells next window
P5182,Active,IRA,USD,2025-05-25,876064,76708,799356,1.0,63.4,26.1,4.5,5.9,AAPL:22.8%;VOO:10.1%;VTI:22.8%;TSLA:21.5%;HYG:22.8%,US:60.9;EU:14.8;APAC:15.1;EM:6.0;Other:3.2,Value:-0.7;Growth:-0.2;Quality:+0.7;Size:+0.6;Momentum:-0.1;LowVol:-0.6,NoDerivatives,5,25,4.8,trailing 9%,189,21.8,Bull,15.1,4.69,3.1,101,69,79,43,true,Rebalance,Rebalance back to target bands,3,-29,BrokerD,MKT,99,VAR>budget,Hedge,Risk above budget threshold,86,-53,88,2,false,Tighten stops on momentum names
P5183,Opportunistic,Trust,USD,2025-03-20,1244647,106025,1138622,1.0,75.1,19.8,0.4,4.7,GLD:20.4%;VTI:23.8%;HYG:13.7%;VNQ:23.8%;TLT:18.2%,US:62.9;EU:17.6;APAC:11.1;EM:6.2;Other:2.2,Value:-0.3;Growth:-0.8;Quality:-0.2;Size:-0.3;Momentum:-0.0;LowVol:+0.5,,6,30,6.8,hard 12%,178,27.6,Sideways,14.6,3.63,2.6,124,-3,61,49,false,Rebalance,Shift +1% to bonds from equity,15,-32,BrokerC,MKT,85,None,None,Normal monitoring,-20,-44,108,4,false,Tighten stops on momentum names
P5184,Systematic,Taxable,USD,2025-11-18,1228223,74595,1153628,1.0,63.3,29.6,0.0,7.0,VOO:20.9%;TSLA:19.3%;MUB:19.6%;MSFT:10.9%;AMZN:10.9%;TLT:18.5%,US:55.4;EU:18.5;APAC:12.6;EM:12.4;Other:1.2,Value:+0.2;Growth:-0.4;Quality:-1.0;Size:-0.0;Momentum:+0.1;LowVol:0.0,MaxPos8%,6,25,4.0,hard 12%,156,18.5,Sideways,20.5,4.32,3.0,115,60,92,52,false,Rebalance,Shift +1% to bonds from equity,35,9,BrokerD,MKT,87,None,None,Normal monitoring,-34,-35,-30,5,false,Tighten stops on momentum names
P5185,Systematic,Trust,USD,2025-02-07,1125156,99569,1025587,1.0,61.2,22.4,7.0,9.4,BRK.B:33.3%;VOO:33.3%;TLT:33.3%,US:68.2;EU:13.1;APAC:8.6;EM:8.0;Other:2.0,Value:-0.5;Growth:-0.4;Quality:-0.7;Size:-0.6;Momentum:+0.9;LowVol:-0.6,,10,30,5.2,trailing 8%,158,19.0,Volatile,22.5,5.49,2.9,145,-37,24,65,false,Buy,Add to core equity +1%,27,-26,BrokerB,LMT,93,None,None,Normal monitoring,90,-10,63,5,false,Tighten stops on momentum names
P5186,Opportunistic,IRA,USD,2024-12-11,900219,40828,859391,1.0,63.2,15.7,13.7,7.5,TSLA:26.0%;BND:22.3%;VTI:25.8%;AMZN:26.0%,US:70.2;EU:10.4;APAC:9.7;EM:5.1;Other:4.6,Value:+0.8;Growth:-0.3;Quality:+0.9;Size:+0.6;Momentum:+0.7;LowVol:-0.6,NoDerivatives,7,30,6.3,trailing 9%,275,34.5,Sideways,21.6,4.78,2.4,109,10,45,65,false,Sell,Trim extended winner -1%,4,-27,BrokerB,VWAP,97,None,None,Normal monitoring,42,17,43,4,false,Within IPS guidelines
P5187,Opportunistic,Trust,USD,2025-04-05,1015388,36245,979143,1.1,61.4,15.0,16.1,7.5,IEF:33.4%;QQQ:33.2%;XLF:33.4%,US:75.6;EU:7.2;APAC:9.8;EM:5.6;Other:1.7,Value:+0.7;Growth:-0.7;Quality:+0.2;Size:-0.4;Momentum:+0.3;LowVol:-0.3,MaxPos7%,6,35,5.5,hard 12%,261,27.8,Bull,15.5,4.14,2.1,109,26,60,37,false,Buy,Add to core equity +1%,-2,-1,BrokerC,MKT,86,None,None,Normal monitoring,9,-12,144,3,false,Within IPS guidelines
P5188,Cautious,Trust,USD,2025-04-27,282824,26225,256599,1.0,36.1,34.7,17.5,11.7,TSLA:22.7%;BND:11.0%;XLF:22.7%;GLD:22.7%;VOO:20.9%,US:74.2;EU:5.4;APAC:14.8;EM:3.7;Other:2.0,Value:-0.4;Growth:+0.1;Quality:-0.8;Size:-0.8;Momentum:-0.5;LowVol:+0.7,NoDerivatives;NoMargin,8,25,4.0,trailing 10%,127,16.3,Volatile,26.0,3.72,4.2,123,-5,53,52,false,Rebalance,Shift +1% to bonds from equity,-12,-20,BrokerB,MKT,96,None,None,Normal monitoring,118,-19,179,3,false,Tighten stops on momentum names
P5189,Systematic,Trust,USD,2024-07-27,1945076,133141,1811935,1.0,61.3,22.4,8.3,7.9,TSLA:15.1%;HYG:10.1%;AMZN:21.7%;QQQ:21.8%;GLD:21.8%;VTI:9.5%,US:58.5;EU:20.4;APAC:6.7;EM:10.6;Other:3.8,Value:-0.1;Growth:+0.4;Quality:+0.5;Size:-0.2;Momentum:-0.9;LowVol:-0.5,MaxPos5%,8,25,4.4,hard 12%,130,22.3,Volatile,21.4,4.71,4.4,124,-34,38,54,false,Sell,Trim extended winner -1%,3,5,BrokerD,VWAP,91,None,None,Normal monitoring,-42,-23,91,3,false,Within IPS guidelines
P5190,Hands-off,IRA,USD,2025-11-30,194883,15692,179191,1.0,72.1,17.6,0.4,9.9,MSFT:21.3%;MUB:22.1%;BRK.B:22.1%;HYG:7.8%;AMZN:15.8%;GLD:11.0%,US:65.4;EU:11.5;APAC:11.6;EM:8.5;Other:3.1,Value:-0.5;Growth:-0.7;Quality:-0.2;Size:+0.3;Momentum:+0.3;LowVol:+0.3,,6,30,4.3,trailing 8%,169,14.9,Bull,12.7,3.51,2.4,88,115,99,51,false,Buy,Add to core equity +1%,32,-22,BrokerC,MKT,92,None,None,Normal monitoring,10,4,54,5,false,Increase defensive factor exposure
P5191,Systematic,IRA,USD,2025-09-27,864051,60327,803724,1.0,56.2,21.3,14.9,7.7,HYG:21.6%;QQQ:21.1%;TSLA:6.7%;MSFT:18.1%;BRK.B:21.6%;VTI:10.9%,US:68.0;EU:8.8;APAC:13.8;EM:7.9;Other:1.4,Value:+0.1;Growth:+0.1;Quality:-0.6;Size:-1.0;Momentum:-0.3;LowVol:+0.7,,5,35,5.2,hard 12%,149,17.9,Bull,16.2,4.6,2.4,90,87,82,48,true,Reduce,"Cut high-beta by 2-3%, add cash",33,-23,BrokerB,MKT,85,Drift>tolerance,Hedge,Allocation drift beyond policy bands,104,-29,183,4,false,Tighten stops on momentum names
P5192,Cautious,Taxable,USD,2025-06-25,595715,55751,539964,1.0,52.0,34.4,0.0,13.5,TSLA:19.4%;XLF:26.9%;AMZN:26.9%;MSFT:26.9%,US:68.2;EU:17.3;APAC:9.1;EM:3.8;Other:1.6,Value:-0.0;Growth:-0.1;Quality:+0.5;Size:-0.1;Momentum:+0.1;LowVol:+0.8,MaxPos6%;NoMargin,8,30,3.4,trailing 8%,117,16.7,Bull,17.1,4.15,2.9,80,17,63,43,false,Rebalance,Shift +1% to bonds from equity,-15,-15,BrokerA,MKT,92,None,None,Normal monitoring,19,-41,34,3,false,Within IPS guidelines
P5193,Active,401k,USD,2024-10-01,1645419,107567,1537852,1.07,68.4,23.9,0.6,7.0,VOO:15.8%;HYG:8.8%;IEF:22.4%;AAPL:8.3%;BND:22.3%;VNQ:22.4%,US:74.1;EU:8.1;APAC:7.0;EM:9.2;Other:1.5,Value:-0.1;Growth:+1.0;Quality:-0.1;Size:-0.3;Momentum:-0.2;LowVol:+0.7,,7,35,5.2,trailing 8%,143,16.8,Bull,12.9,4.26,2.2,88,91,100,54,false,Sell,Trim extended winner -1%,-11,3,BrokerD,MKT,89,None,None,Normal monitoring,81,-2,107,3,false,Tighten stops on momentum names
P5194,Active,Roth,USD,2024-09-06,1547860,100380,1447480,1.0,52.3,22.9,16.7,8.1,AMZN:12.1%;TLT:20.5%;XLF:18.9%;VNQ:20.5%;TSLA:11.0%;HYG:17.1%,US:76.1;EU:8.5;APAC:8.6;EM:5.7;Other:1.1,Value:-0.3;Growth:-0.7;Quality:-0.9;Size:-0.1;Momentum:-0.5;LowVol:-0.7,NoDerivatives,7,30,4.9,trailing 8%,143,24.8,Volatile,23.1,4.83,2.7,150,35,68,67,false,NoAction,Within bands; monitor,-1,-10,BrokerB,MKT,0,None,None,Normal monitoring,21,-21,26,3,false,Tighten stops on momentum names
P5195,Systematic,Trust,USD,2025-10-06,1892492,148625,1743867,1.0,66.6,24.7,0.0,8.7,AMZN:17.8%;BRK.B:28.1%;AAPL:28.1%;MUB:25.9%,US:58.2;EU:20.7;APAC:7.1;EM:13.4;Other:0.6,Value:-0.8;Growth:-0.3;Quality:-0.7;Size:-0.8;Momentum:+1.0;LowVol:+0.9,,5,25,4.9,trailing 8%,154,21.6,Bull,13.8,4.06,3.0,77,1,60,49,false,Rebalance,Shift +1% to bonds from equity,-9,11,BrokerC,VWAP,89,None,None,Normal monitoring,5,-35,93,5,false,Tighten stops on momentum names
P5196,Opportunistic,IRA,USD,2025-08-15,1494035,57637,1436398,1.0,69.8,21.4,2.0,6.7,HYG:26.9%;VNQ:16.9%;BND:28.1%;BRK.B:28.1%,US:58.5;EU:20.7;APAC:8.2;EM:8.3;Other:4.3,Value:-0.3;Growth:+0.7;Quality:-0.7;Size:+0.4;Momentum:+0.3;LowVol:+0.8,NoDerivatives,6,30,6.0,hard 12%,234,28.3,Sideways,15.5,4.64,2.3,96,48,72,48,false,Buy,Add to core equity +1%,-7,-27,BrokerD,MKT,89,None,None,Normal monitoring,39,-28,121,4,false,Monitor dispersion and breadth
P5197,Cautious,Trust,USD,2025-01-24,860565,117999,742566,1.0,40.1,43.1,0.0,16.8,BND:21.3%;MSFT:22.6%;TSLA:22.6%;GLD:15.6%;AMZN:17.9%,US:72.9;EU:7.2;APAC:8.3;EM:8.7;Other:3.1,Value:-0.4;Growth:+0.2;Quality:+0.8;Size:+0.7;Momentum:-0.0;LowVol:+1.0,NoDerivatives;NoMargin,10,35,3.2,hard 10%,144,16.6,Bull,12.0,4.18,3.4,111,65,97,35,true,Hedge,Buy index puts 1% notional,16,-14,BrokerD,MKT,97,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-52,2,25,2,true,Monitor dispersion and breadth
P5198,Opportunistic,401k,USD,2024-12-20,693595,47155,646440,1.0,74.0,14.7,6.0,5.4,TLT:27.7%;VNQ:19.0%;GLD:25.7%;MUB:27.7%,US:66.2;EU:11.0;APAC:12.4;EM:7.7;Other:2.8,Value:-0.9;Growth:-0.2;Quality:+0.9;Size:+0.2;Momentum:-0.8;LowVol:-0.8,MaxPos6%;NoDerivatives,10,30,4.8,trailing 9%,163,22.7,Bull,16.9,4.05,2.9,104,117,100,66,false,Rebalance,Shift +1% to bonds from equity,24,-27,BrokerD,LMT,96,None,None,Normal monitoring,13,11,-15,5,false,Tax-aware sells next window
P5199,Cautious,401k,USD,2025-08-11,882321,92083,790238,1.0,52.6,32.1,2.9,12.3,QQQ:25.6%;VOO:25.6%;XLF:23.1%;TSLA:25.6%,US:72.1;EU:15.0;APAC:5.2;EM:4.2;Other:3.5,Value:+0.2;Growth:+0.8;Quality:-0.5;Size:+0.6;Momentum:+0.2;LowVol:-0.4,ESGOnly;MaxPos6%;NoMargin,10,35,4.8,hard 10%,137,15.5,Bear,24.2,3.15,1.3,167,30,53,51,false,Buy,Add to core equity +1%,32,5,BrokerB,VWAP,97,None,None,Normal monitoring,12,1,90,4,false,Tax-aware sells next window
P5200,Active,Trust,USD,2025-12-01,689488,71198,618290,1.08,58.7,18.1,13.7,9.5,TLT:23.3%;XLF:15.6%;VTI:23.3%;BND:14.6%;QQQ:23.3%,US:67.3;EU:6.6;APAC:16.0;EM:8.2;Other:1.8,Value:-0.1;Growth:+0.7;Quality:+0.1;Size:+0.1;Momentum:+1.0;LowVol:+0.6,,8,30,5.8,trailing 9%,162,27.7,Volatile,28.2,3.51,3.9,152,-29,31,77,true,Reduce,"Cut high-beta by 2-3%, add cash",34,-17,BrokerB,MKT,92,Drift>tolerance,Hedge,Allocation drift beyond policy bands,34,16,130,3,false,Tighten stops on momentum names
P5201,Cautious,401k,USD,2024-11-24,316761,29878,286883,1.0,38.8,31.2,12.1,18.0,MSFT:28.1%;VNQ:35.9%;AMZN:35.9%,US:64.7;EU:15.8;APAC:10.3;EM:6.9;Other:2.2,Value:+0.7;Growth:+0.4;Quality:+0.4;Size:+0.9;Momentum:0.0;LowVol:+0.5,ESGOnly;NoMargin,5,35,3.8,hard 10%,152,16.9,Volatile,30.1,4.95,2.9,116,-13,34,63,false,Sell,Trim extended winner -1%,1,-31,BrokerB,MKT,94,None,None,Normal monitoring,112,-30,150,5,false,Tax-aware sells next window
P5202,Opportunistic,IRA,USD,2024-09-19,492921,24469,468452,1.0,67.8,12.0,13.8,6.4,AAPL:16.3%;MSFT:21.6%;BND:21.6%;VOO:18.9%;BRK.B:21.6%,US:65.3;EU:14.9;APAC:12.5;EM:2.8;Other:4.4,Value:-0.6;Growth:-0.3;Quality:+0.7;Size:0.0;Momentum:+0.1;LowVol:-0.6,MaxPos5%;NoDerivatives,7,30,5.5,trailing 9%,246,33.7,Volatile,24.0,5.24,2.6,155,77,95,58,false,Sell,Trim extended winner -1%,27,-27,BrokerB,VWAP,85,None,None,Normal monitoring,8,-60,69,3,false,Increase defensive factor exposure
P5203,Hands-off,Trust,USD,2025-10-23,811838,74800,737038,1.0,58.5,24.1,10.7,6.6,QQQ:21.2%;MSFT:11.9%;VNQ:23.8%;TLT:23.8%;AAPL:19.3%,US:73.6;EU:10.9;APAC:9.0;EM:3.5;Other:3.0,Value:-0.4;Growth:+0.5;Quality:-1.0;Size:+1.0;Momentum:-0.6;LowVol:+0.7,,6,25,4.8,trailing 8%,96,15.9,Bull,16.8,4.3,2.3,77,8,68,54,false,Rebalance,Shift +1% to bonds from equity,33,-39,BrokerB,MKT,88,None,None,Normal monitoring,79,-4,40,5,false,Monitor dispersion and breadth
P5204,Hands-off,401k,USD,2024-10-01,518943,23874,495069,1.0,63.7,23.9,6.6,5.7,AAPL:26.2%;QQQ:26.2%;IEF:26.2%;HYG:21.5%,US:59.9;EU:18.9;APAC:13.1;EM:7.9;Other:0.2,Value:+0.7;Growth:-0.2;Quality:+0.1;Size:+0.4;Momentum:+0.8;LowVol:-0.2,ESGOnly,8,35,4.3,hard 10%,119,12.8,Sideways,18.4,4.14,2.6,126,-3,59,59,false,NoAction,Within bands; monitor,-3,-40,BrokerB,MKT,0,None,None,Normal monitoring,76,-54,55,3,false,Tax-aware sells next window
P5205,Hands-off,IRA,USD,2025-04-03,466056,29231,436825,1.0,62.6,20.0,9.9,7.5,BND:33.8%;XLF:32.5%;QQQ:33.8%,US:53.1;EU:19.8;APAC:10.6;EM:11.8;Other:4.7,Value:+0.6;Growth:+0.6;Quality:+0.8;Size:-0.6;Momentum:+0.9;LowVol:+0.7,MaxPos7%,6,30,4.2,trailing 8%,100,14.0,Bull,17.5,4.28,2.2,90,93,100,57,false,NoAction,Within bands; monitor,-1,-38,BrokerB,MKT,0,None,None,Normal monitoring,111,-17,115,4,false,Within IPS guidelines
P5206,Systematic,Taxable,USD,2024-07-26,1660302,93708,1566594,1.0,61.5,29.2,4.0,5.2,QQQ:21.7%;TSLA:24.1%;VNQ:14.2%;BND:16.0%;MUB:24.1%,US:65.4;EU:11.8;APAC:9.9;EM:8.8;Other:4.1,Value:-0.4;Growth:-0.9;Quality:+0.1;Size:+0.2;Momentum:-0.9;LowVol:-0.9,MaxPos5%,5,25,5.8,hard 12%,224,24.1,Sideways,17.5,4.61,2.1,125,11,64,51,false,Buy,Add to core equity +1%,5,-28,BrokerB,MKT,97,None,None,Normal monitoring,-51,-37,-52,5,false,Monitor dispersion and breadth
P5207,Cautious,Taxable,USD,2025-04-14,872037,124684,747353,1.0,40.0,32.5,15.1,12.5,AMZN:19.9%;VOO:21.0%;TLT:21.0%;VNQ:17.2%;TSLA:21.0%,US:59.7;EU:15.4;APAC:12.8;EM:8.0;Other:4.1,Value:-0.4;Growth:+0.2;Quality:+0.7;Size:-0.4;Momentum:-0.7;LowVol:+1.0,NoDerivatives;NoMargin,5,30,5.9,trailing 8%,148,13.1,Volatile,22.1,5.16,2.5,156,71,97,47,false,Sell,Trim extended winner -1%,19,-16,BrokerC,MKT,94,None,None,Normal monitoring,104,-47,138,5,false,Increase defensive factor exposure
P5208,Cautious,Roth,USD,2024-11-25,339730,50912,288818,1.0,43.0,40.2,1.5,15.3,MSFT:36.5%;VTI:36.5%;VOO:27.0%,US:68.7;EU:8.1;APAC:10.0;EM:11.1;Other:2.1,Value:+0.4;Growth:+0.1;Quality:-0.4;Size:+0.4;Momentum:-0.6;LowVol:+0.4,ESGOnly;NoDerivatives;NoMargin,10,35,5.8,hard 10%,166,18.3,Volatile,26.2,5.17,3.9,159,-42,44,55,false,Rebalance,Shift +1% to bonds from equity,12,-27,BrokerC,VWAP,89,None,None,Normal monitoring,2,-54,94,5,false,Within IPS guidelines
P5209,Hands-off,Taxable,USD,2025-03-06,684195,65418,618777,1.0,65.7,25.1,0.0,9.2,VNQ:16.4%;VOO:14.0%;AAPL:20.1%;IEF:14.8%;MUB:17.9%;TLT:16.7%,US:73.4;EU:8.2;APAC:6.9;EM:9.9;Other:1.5,Value:-0.6;Growth:-0.2;Quality:+0.6;Size:+0.8;Momentum:+0.3;LowVol:+0.6,ESGOnly;MaxPos7%,7,25,4.0,hard 10%,164,15.5,Volatile,31.2,4.42,3.0,159,-4,41,84,true,Hedge,Buy index puts 1% notional,7,-13,BrokerC,LMT,98,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-44,-56,24,3,false,Tax-aware sells next window
P5210,Opportunistic,401k,USD,2025-08-29,739669,28319,711350,1.0,73.2,12.5,8.6,5.7,GLD:24.4%;QQQ:19.0%;AAPL:16.0%;VOO:16.0%;AMZN:24.4%,US:68.8;EU:9.5;APAC:8.5;EM:9.1;Other:4.1,Value:+0.4;Growth:-0.0;Quality:+0.1;Size:+0.5;Momentum:+0.8;LowVol:+0.8,,7,25,6.3,trailing 7%,276,24.1,Volatile,30.8,3.59,2.8,113,24,63,82,true,Hedge,Buy index puts 1% notional,-10,-12,BrokerD,LMT,98,Drift>tolerance,Reduce,Allocation drift beyond policy bands,89,-21,59,2,false,Monitor dispersion and breadth
P5211,Opportunistic,IRA,USD,2025-03-07,1122138,34595,1087543,1.0,61.1,16.6,17.0,5.3,AAPL:17.2%;BND:23.9%;BRK.B:24.1%;IEF:24.1%;VOO:10.8%,US:61.5;EU:19.3;APAC:8.7;EM:9.2;Other:1.3,Value:-0.5;Growth:+0.8;Quality:-0.2;Size:-0.5;Momentum:-0.4;LowVol:-0.7,,10,30,6.4,hard 12%,167,34.8,Volatile,31.0,4.88,4.3,128,-42,34,76,true,Hedge,Buy index puts 1% notional,19,-11,BrokerB,VWAP,97,VAR>budget,Hedge,Risk above budget threshold,22,6,-16,4,false,Tax-aware sells next window
P5212,Cautious,IRA,USD,2025-08-02,464102,67906,396196,1.0,46.3,35.9,5.1,12.7,HYG:22.1%;BRK.B:38.9%;AMZN:38.9%,US:69.4;EU:7.6;APAC:10.8;EM:9.7;Other:2.4,Value:+0.2;Growth:-0.0;Quality:-0.5;Size:+0.4;Momentum:+0.4;LowVol:+0.4,ESGOnly;NoMargin,6,35,4.8,trailing 10%,129,15.8,Sideways,21.8,4.41,3.4,116,-22,30,45,false,Buy,Add to core equity +1%,13,-6,BrokerC,LMT,90,None,None,Normal monitoring,-35,-55,81,3,false,Increase defensive factor exposure
P5213,Hands-off,Trust,USD,2024-09-01,860464,66069,794395,1.0,56.0,16.8,17.2,10.0,VTI:28.6%;BRK.B:14.3%;XLF:28.6%;VNQ:28.6%,US:72.1;EU:5.8;APAC:12.6;EM:6.8;Other:2.8,Value:+0.6;Growth:-0.6;Quality:-0.7;Size:-0.9;Momentum:+0.4;LowVol:-0.2,,8,25,4.1,trailing 8%,162,14.8,Sideways,19.0,4.54,2.7,97,-22,31,52,false,Buy,Add to core equity +1%,20,-36,BrokerB,LMT,98,None,None,Normal monitoring,54,-11,113,4,false,Increase defensive factor exposure
P5214,Cautious,401k,USD,2024-09-22,425970,51262,374708,1.0,44.1,31.3,11.7,12.9,VOO:27.9%;QQQ:16.4%;MUB:27.9%;AAPL:27.9%,US:63.2;EU:16.4;APAC:8.6;EM:9.2;Other:2.6,Value:-0.6;Growth:-0.3;Quality:+0.7;Size:-0.1;Momentum:+0.7;LowVol:+0.1,ESGOnly;NoMargin,10,35,4.2,trailing 8%,136,17.1,Bull,15.3,3.57,2.7,114,43,56,40,false,Sell,Trim extended winner -1%,-15,-10,BrokerD,VWAP,93,None,None,Normal monitoring,-37,-16,29,5,false,Tax-aware sells next window
P5215,Hands-off,401k,USD,2025-08-31,841518,62274,779244,1.0,70.8,16.1,5.6,7.5,AMZN:35.8%;VOO:28.3%;QQQ:35.8%,US:66.1;EU:12.9;APAC:14.1;EM:4.4;Other:2.5,Value:-0.6;Growth:-0.6;Quality:-1.0;Size:-0.7;Momentum:+0.4;LowVol:+0.3,,10,30,3.5,trailing 8%,118,17.0,Bull,15.7,3.6,2.2,78,61,95,61,false,Rebalance,Shift +1% to bonds from equity,13,-23,BrokerB,LMT,94,None,None,Normal monitoring,47,-39,141,4,false,Monitor dispersion and breadth
P5216,Opportunistic,Roth,USD,2025-07-07,300654,13674,286980,1.11,74.1,10.9,6.9,8.0,VOO:33.3%;AMZN:33.3%;VTI:33.3%,US:67.3;EU:13.8;APAC:13.0;EM:3.3;Other:2.5,Value:-0.8;Growth:+0.2;Quality:+0.7;Size:+0.1;Momentum:+0.7;LowVol:+0.6,MaxPos6%,8,35,4.4,hard 12%,186,31.6,Volatile,29.1,3.82,2.4,150,52,91,79,true,Reduce,"Cut high-beta by 2-3%, add cash",11,-25,BrokerB,LMT,96,Drift>tolerance,Reduce,Allocation drift beyond policy bands,43,-23,121,5,true,Tighten stops on momentum names
P5217,Systematic,Taxable,USD,2025-01-23,1843710,162039,1681671,1.0,58.8,28.8,5.3,7.1,VTI:33.3%;VNQ:33.3%;TLT:33.3%,US:65.9;EU:12.3;APAC:14.8;EM:6.9;Other:0.2,Value:+0.6;Growth:+0.1;Quality:+0.9;Size:+0.6;Momentum:-0.7;LowVol:+0.4,MaxPos8%,7,30,4.2,trailing 9%,121,22.5,Bull,15.9,3.85,2.2,116,62,87,37,false,NoAction,Within bands; monitor,15,-14,BrokerA,VWAP,89,None,None,Normal monitoring,-8,-4,27,5,false,Monitor dispersion and breadth
P5218,Active,Taxable,USD,2025-12-18,1924197,226297,1697900,1.0,57.0,29.3,6.3,7.4,AAPL:26.1%;QQQ:17.5%;TSLA:28.2%;BRK.B:28.2%,US:65.6;EU:17.0;APAC:9.5;EM:5.2;Other:2.8,Value:-0.3;Growth:-0.2;Quality:-0.9;Size:+0.2;Momentum:+0.4;LowVol:+0.4,NoDerivatives,6,25,4.5,hard 12%,205,20.9,Volatile,31.9,4.67,2.3,136,34,52,83,true,Hedge,Buy index puts 1% notional,15,-34,BrokerD,MKT,92,Drift>tolerance,Reduce,Allocation drift beyond policy bands,30,-48,82,3,false,Monitor dispersion and breadth
P5219,Cautious,Trust,USD,2025-07-02,589016,62921,526095,1.0,37.7,35.4,13.1,13.9,XLF:7.0%;QQQ:18.1%;MUB:19.8%;HYG:19.3%;AMZN:17.1%;MSFT:18.7%,US:67.3;EU:10.5;APAC:10.8;EM:10.7;Other:0.7,Value:-0.9;Growth:+0.3;Quality:-0.7;Size:-0.6;Momentum:+1.0;LowVol:+0.5,ESGOnly;NoMargin,6,25,5.9,trailing 8%,137,12.9,Volatile,24.2,4.97,3.4,155,7,38,43,false,Sell,Trim extended winner -1%,18,-14,BrokerA,LMT,99,None,None,Normal monitoring,107,-20,190,5,false,Tax-aware sells next window
P5220,Hands-off,Trust,USD,2024-12-04,376476,31235,345241,1.0,58.4,24.8,10.1,6.6,IEF:33.3%;MSFT:33.3%;VOO:33.3%,US:58.0;EU:14.9;APAC:13.1;EM:9.6;Other:4.4,Value:+0.5;Growth:-0.1;Quality:+0.8;Size:-0.3;Momentum:+0.9;LowVol:-0.4,ESGOnly;NoDerivatives,6,30,5.0,trailing 8%,166,19.8,Bear,32.1,4.27,2.1,147,-7,57,87,true,Reduce,"Cut high-beta by 2-3%, add cash",23,15,BrokerA,MKT,92,Drift>tolerance,Hedge,Allocation drift beyond policy bands,103,-16,194,4,false,Monitor dispersion and breadth
P5221,Cautious,Roth,USD,2025-10-24,311641,32876,278765,1.0,50.4,39.2,0.0,10.3,HYG:33.3%;VOO:33.3%;VTI:33.3%,US:63.5;EU:11.4;APAC:15.0;EM:7.1;Other:3.0,Value:+0.2;Growth:-0.0;Quality:-1.0;Size:-0.7;Momentum:-0.6;LowVol:-0.2,ESGOnly;NoMargin,5,30,5.6,trailing 8%,93,18.6,Sideways,17.2,5.0,3.4,106,56,87,34,false,Sell,Trim extended winner -1%,25,-29,BrokerD,VWAP,92,None,None,Normal monitoring,115,-44,141,4,false,Tighten stops on momentum names
P5222,Systematic,401k,USD,2025-10-01,1442133,137577,1304556,1.0,64.4,23.0,7.3,5.3,MSFT:21.4%;AAPL:21.2%;BND:12.1%;AMZN:15.9%;XLF:18.5%;VTI:11.0%,US:70.5;EU:12.5;APAC:9.1;EM:3.3;Other:4.6,Value:+0.9;Growth:-0.8;Quality:+0.1;Size:-0.6;Momentum:-0.8;LowVol:-0.6,,8,30,5.6,trailing 8%,192,23.0,Bear,27.7,3.6,2.5,218,-14,45,77,true,Hedge,Buy index puts 1% notional,-14,7,BrokerB,MKT,90,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-53,-29,-6,4,false,Tax-aware sells next window
P5223,Systematic,401k,USD,2025-05-26,660816,43804,617012,1.0,62.8,31.5,0.0,5.7,VNQ:25.0%;TLT:25.0%;VOO:25.0%;BND:25.0%,US:68.0;EU:8.1;APAC:12.7;EM:8.8;Other:2.4,Value:+0.2;Growth:-0.8;Quality:+0.6;Size:-0.2;Momentum:-0.6;LowVol:+0.9,MaxPos7%;NoDerivatives,6,35,5.2,trailing 8%,174,22.7,Bear,31.6,4.3,2.2,190,-94,5,84,true,Hedge,Buy index puts 1% notional,15,-39,BrokerC,VWAP,87,Drift>tolerance,Hedge,Allocation drift beyond policy bands,76,-42,65,3,false,Monitor dispersion and breadth
P5224,Systematic,IRA,USD,2025-03-30,1786162,125103,1661059,1.0,62.9,30.8,0.8,5.5,BRK.B:25.3%;MUB:24.6%;AMZN:10.3%;MSFT:14.5%;VNQ:25.3%,US:67.0;EU:15.3;APAC:5.5;EM:7.7;Other:4.6,Value:+0.6;Growth:+0.1;Quality:+0.8;Size:+0.6;Momentum:+0.3;LowVol:-0.9,MaxPos7%,8,25,4.3,hard 12%,154,18.0,Bull,12.7,4.41,2.6,90,120,100,41,false,Hedge,Add TLT +1% as duration hedge,-11,-21,BrokerB,LMT,98,None,None,Normal monitoring,120,-19,254,4,false,Tax-aware sells next window
P5225,Opportunistic,IRA,USD,2025-08-10,1591208,141090,1450118,1.0,60.8,12.2,21.4,5.6,VTI:16.9%;TSLA:20.9%;IEF:17.1%;MUB:19.3%;VNQ:9.4%;VOO:16.4%,US:64.0;EU:8.8;APAC:13.7;EM:9.6;Other:3.8,Value:+0.6;Growth:-0.3;Quality:+1.0;Size:-0.8;Momentum:+0.1;LowVol:+0.5,MaxPos6%,6,25,5.5,trailing 9%,253,34.6,Volatile,21.7,4.03,2.4,120,30,64,66,false,Buy,Add to core equity +1%,35,-7,BrokerC,LMT,86,None,None,Normal monitoring,101,-26,191,3,false,Tighten stops on momentum names
P5226,Cautious,Trust,USD,2024-09-21,685937,69881,616056,1.0,54.2,35.2,0.0,10.6,TLT:22.0%;BND:23.5%;IEF:14.4%;AAPL:23.5%;TSLA:16.6%,US:72.5;EU:11.5;APAC:6.7;EM:7.2;Other:2.1,Value:+0.9;Growth:+0.6;Quality:-0.0;Size:-0.5;Momentum:-0.1;LowVol:+0.3,MaxPos7%;NoMargin,8,30,4.3,hard 10%,125,16.2,Volatile,27.1,3.75,3.4,138,74,73,65,false,Buy,Add to core equity +1%,12,14,BrokerD,VWAP,95,None,None,Normal monitoring,46,-32,181,3,false,Tighten stops on momentum names
P5227,Cautious,401k,USD,2025-12-07,665245,60294,604951,1.0,49.3,38.4,0.0,12.3,BND:18.8%;AMZN:19.0%;TLT:7.4%;TSLA:20.7%;BRK.B:13.3%;HYG:20.7%,US:68.4;EU:16.2;APAC:9.9;EM:3.5;Other:2.0,Value:+0.2;Growth:-0.3;Quality:+0.1;Size:+0.5;Momentum:+0.5;LowVol:-0.8,MaxPos6%;NoDerivatives;NoMargin,10,35,4.1,trailing 8%,140,13.6,Sideways,19.3,4.3,3.3,129,26,76,48,false,Sell,Trim extended winner -1%,1,-21,BrokerA,VWAP,91,None,None,Normal monitoring,85,-11,107,3,false,Tax-aware sells next window
P5228,Active,401k,USD,2025-01-30,602218,40351,561867,1.0,67.1,25.3,0.0,7.6,QQQ:14.4%;XLF:28.5%;VNQ:28.5%;HYG:28.5%,US:71.8;EU:14.0;APAC:8.3;EM:3.9;Other:1.9,Value:+0.5;Growth:+0.6;Quality:+0.5;Size:+0.4;Momentum:-0.2;LowVol:+0.8,,8,25,5.7,trailing 8%,210,24.9,Bull,15.3,4.01,2.9,100,49,81,54,false,Rebalance,Shift +1% to bonds from equity,34,-4,BrokerC,VWAP,90,None,None,Normal monitoring,-5,6,57,4,false,Tighten stops on momentum names
P5229,Opportunistic,Roth,USD,2025-09-25,1649388,112801,1536587,1.0,66.2,12.3,16.6,4.9,AMZN:25.0%;VOO:25.0%;XLF:25.0%;VNQ:25.0%,US:59.7;EU:20.3;APAC:9.4;EM:6.0;Other:4.7,Value:-0.7;Growth:+0.2;Quality:-0.5;Size:+0.6;Momentum:-0.3;LowVol:+1.0,,7,35,5.6,trailing 7%,280,21.2,Volatile,25.1,5.22,3.6,176,39,69,60,false,Buy,Add to core equity +1%,6,-32,BrokerA,MKT,97,None,None,Normal monitoring,76,-56,85,3,false,Within IPS guidelines
P5230,Opportunistic,Trust,USD,2025-05-15,519791,20358,499433,1.12,76.0,16.5,0.0,7.5,VTI:25.0%;TLT:25.0%;HYG:25.0%;XLF:25.0%,US:70.1;EU:10.0;APAC:6.6;EM:10.6;Other:2.7,Value:+0.8;Growth:-0.6;Quality:+0.7;Size:-0.7;Momentum:+0.1;LowVol:+1.0,,5,25,4.1,trailing 7%,166,34.7,Bull,17.2,4.82,3.4,101,80,82,52,true,Rebalance,Rebalance back to target bands,16,-35,BrokerC,VWAP,94,VAR>budget,Reduce,Risk above budget threshold,-34,-3,45,4,true,Increase defensive factor exposure
P5231,Cautious,401k,USD,2024-07-05,311628,39682,271946,1.0,39.3,42.6,3.2,15.0,VTI:33.3%;BND:33.3%;MUB:33.3%,US:62.2;EU:17.2;APAC:11.5;EM:5.1;Other:4.0,Value:+0.1;Growth:-0.1;Quality:-0.2;Size:-0.4;Momentum:+0.6;LowVol:-0.4,NoDerivatives;NoMargin,7,25,5.2,hard 10%,129,14.5,Sideways,14.7,4.18,2.2,106,-19,35,37,false,Rebalance,Shift +1% to bonds from equity,2,-12,BrokerC,VWAP,87,None,None,Normal monitoring,84,-22,189,5,false,Within IPS guidelines
P5232,Hands-off,Taxable,USD,2025-06-08,866697,80852,785845,1.0,58.5,21.0,11.1,9.5,AAPL:33.3%;BND:33.4%;GLD:33.4%,US:68.0;EU:10.6;APAC:13.0;EM:6.6;Other:1.8,Value:+0.5;Growth:+0.9;Quality:-0.4;Size:+0.9;Momentum:+0.7;LowVol:-0.2,ESGOnly,8,30,5.2,trailing 8%,154,14.7,Bear,24.5,4.04,2.0,151,-33,28,69,false,Rebalance,Shift +1% to bonds from equity,-15,-29,BrokerC,MKT,86,None,None,Normal monitoring,90,-30,201,5,false,Tax-aware sells next window
P5233,Active,Taxable,USD,2025-01-28,2007219,227502,1779717,1.0,51.1,24.5,16.0,8.4,BND:33.3%;VNQ:33.3%;HYG:33.3%,US:69.6;EU:18.4;APAC:5.3;EM:6.7;Other:0.0,Value:-0.3;Growth:-0.4;Quality:+0.9;Size:-0.6;Momentum:+0.4;LowVol:+0.8,,8,35,5.5,trailing 8%,201,21.2,Volatile,24.9,4.69,2.3,150,33,60,54,false,Hedge,Add TLT +1% as duration hedge,11,-30,BrokerB,MKT,89,None,None,Normal monitoring,26,-9,146,5,false,Monitor dispersion and breadth
P5234,Hands-off,Trust,USD,2024-09-06,811797,53610,758187,1.0,67.3,15.9,8.1,8.8,GLD:33.3%;MUB:33.3%;QQQ:33.3%,US:65.2;EU:15.7;APAC:11.8;EM:6.5;Other:0.9,Value:+0.5;Growth:-0.8;Quality:+0.6;Size:+0.4;Momentum:+0.6;LowVol:-0.0,ESGOnly;NoDerivatives,8,30,3.9,hard 10%,146,15.9,Bull,14.2,4.1,3.1,72,5,65,38,false,Sell,Trim extended winner -1%,13,7,BrokerD,MKT,96,None,None,Normal monitoring,-10,-11,-16,5,false,Tax-aware sells next window
P5235,Opportunistic,Taxable,USD,2025-12-06,1239062,93112,1145950,1.0,64.8,21.8,6.2,7.1,BRK.B:6.4%;AMZN:21.3%;VNQ:17.6%;VTI:21.3%;MSFT:12.2%;TSLA:21.3%,US:70.6;EU:15.5;APAC:6.9;EM:6.5;Other:0.5,Value:-0.2;Growth:+0.9;Quality:+0.8;Size:+0.6;Momentum:-0.2;LowVol:-0.2,NoDerivatives,8,25,6.9,trailing 7%,195,20.6,Bull,16.9,4.02,2.9,118,71,93,48,false,Rebalance,Shift +1% to bonds from equity,-2,12,BrokerC,MKT,100,None,None,Normal monitoring,-40,4,87,5,false,Monitor dispersion and breadth
P5236,Opportunistic,IRA,USD,2024-12-27,917347,35911,881436,1.0,76.1,19.2,0.0,4.7,QQQ:22.9%;AAPL:13.6%;VNQ:17.7%;VOO:22.9%;BND:22.9%,US:72.6;EU:13.1;APAC:7.5;EM:5.6;Other:1.2,Value:+0.8;Growth:+0.2;Quality:+0.4;Size:+0.5;Momentum:-0.5;LowVol:+0.3,MaxPos5%;NoDerivatives,10,35,4.8,hard 12%,223,30.8,Bear,31.7,3.77,1.7,209,-24,27,93,true,Reduce,"Cut high-beta by 2-3%, add cash",2,-24,BrokerC,MKT,88,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-57,13,61,3,false,Monitor dispersion and breadth
P5237,Cautious,Trust,USD,2024-10-30,193705,26466,167239,1.0,35.3,39.3,14.0,11.5,TLT:18.3%;HYG:29.7%;IEF:22.4%;TSLA:29.7%,US:77.9;EU:9.5;APAC:5.6;EM:6.9;Other:0.1,Value:+0.5;Growth:-0.4;Quality:-0.2;Size:+0.4;Momentum:-0.3;LowVol:0.0,MaxPos6%;NoMargin,10,35,4.3,trailing 8%,168,15.4,Bull,11.1,4.4,3.2,115,18,65,23,false,Hedge,Add TLT +1% as duration hedge,6,-13,BrokerB,MKT,88,None,None,Normal monitoring,119,-27,251,3,false,Tax-aware sells next window
P5238,Active,IRA,USD,2024-10-25,991682,77305,914377,1.13,66.4,27.8,0.0,5.9,MSFT:20.5%;VOO:16.7%;MUB:18.9%;TSLA:5.7%;HYG:20.5%;IEF:17.7%,US:74.8;EU:9.6;APAC:6.0;EM:5.5;Other:4.1,Value:+0.7;Growth:-0.6;Quality:+0.4;Size:-0.4;Momentum:+0.3;LowVol:-0.1,NoDerivatives,10,35,4.9,trailing 9%,160,26.2,Volatile,25.8,4.55,3.5,111,46,62,74,true,Hedge,Buy index puts 1% notional,0,15,BrokerD,MKT,95,VAR>budget,Pause,Risk above budget threshold,23,-30,78,2,false,Tax-aware sells next window
P5239,Opportunistic,401k,USD,2025-07-29,611926,23406,588520,1.0,63.0,12.2,16.4,8.5,AMZN:13.9%;TSLA:19.3%;VNQ:11.1%;XLF:18.7%;AAPL:19.1%;VTI:17.9%,US:72.0;EU:14.9;APAC:6.3;EM:6.7;Other:0.2,Value:-0.2;Growth:+0.2;Quality:-0.9;Size:-0.1;Momentum:-0.5;LowVol:+0.5,,7,25,5.9,hard 12%,250,30.3,Bull,13.0,4.07,3.5,103,36,53,38,false,Hedge,Add TLT +1% as duration hedge,7,-36,BrokerD,LMT,95,None,None,Normal monitoring,66,-30,67,4,false,Tax-aware sells next window
P5240,Opportunistic,Trust,USD,2025-10-30,1388326,49413,1338913,1.0,73.1,14.8,7.1,5.0,MUB:23.3%;HYG:23.5%;VOO:26.6%;AMZN:26.6%,US:69.2;EU:8.5;APAC:10.4;EM:10.4;Other:1.5,Value:-0.9;Growth:-0.1;Quality:-0.3;Size:+0.9;Momentum:-0.6;LowVol:-0.8,,5,25,5.1,trailing 9%,197,26.6,Volatile,30.9,4.24,2.3,119,18,54,83,true,Rebalance,Rebalance back to target bands,6,-20,BrokerB,LMT,88,VAR>budget,Hedge,Risk above budget threshold,88,-49,58,2,false,Tighten stops on momentum names
P5241,Hands-off,Trust,USD,2024-10-09,285126,22796,262330,1.0,56.2,25.7,8.7,9.3,HYG:25.5%;MUB:25.5%;VTI:25.5%;VOO:23.5%,US:63.0;EU:12.9;APAC:11.6;EM:8.4;Other:4.2,Value:-0.2;Growth:-0.1;Quality:-0.0;Size:+0.8;Momentum:-0.6;LowVol:+0.5,ESGOnly;MaxPos7%;NoDerivatives,7,25,3.5,trailing 8%,131,17.0,Volatile,24.6,4.22,2.3,167,57,73,66,false,Sell,Trim extended winner -1%,24,-27,BrokerC,MKT,91,None,None,Normal monitoring,28,-14,133,4,false,Within IPS guidelines
P5242,Opportunistic,401k,USD,2025-04-23,462642,37463,425179,1.0,62.1,19.8,10.7,7.3,TSLA:34.0%;MSFT:29.1%;AAPL:36.9%,US:69.3;EU:8.6;APAC:12.0;EM:6.5;Other:3.6,Value:-0.6;Growth:+0.6;Quality:+0.7;Size:+0.8;Momentum:+0.8;LowVol:-0.6,MaxPos7%,7,30,5.6,trailing 9%,164,28.0,Sideways,14.5,4.02,2.9,103,-14,58,47,false,NoAction,Within bands; monitor,30,-4,BrokerD,MKT,0,None,None,Normal monitoring,57,8,65,4,false,Monitor dispersion and breadth
P5243,Active,401k,USD,2025-09-24,1894352,151553,1742799,1.0,62.8,28.6,0.0,8.7,VOO:33.3%;IEF:33.3%;VTI:33.3%,US:72.4;EU:5.7;APAC:9.0;EM:9.5;Other:3.4,Value:+0.4;Growth:-0.5;Quality:-0.3;Size:+0.2;Momentum:-0.6;LowVol:+0.4,MaxPos6%,8,30,5.4,trailing 8%,202,24.9,Bear,29.7,3.59,1.6,147,-105,5,73,true,Reduce,"Cut high-beta by 2-3%, add cash",33,-13,BrokerD,MKT,98,VAR>budget,Reduce,Risk above budget threshold,78,12,212,5,false,Tax-aware sells next window
P5244,Hands-off,Taxable,USD,2024-08-21,388070,16174,371896,1.0,62.7,23.4,5.8,8.2,BRK.B:26.2%;IEF:21.3%;TLT:26.2%;HYG:26.2%,US:61.7;EU:17.4;APAC:12.5;EM:6.6;Other:1.8,Value:-0.3;Growth:0.0;Quality:-1.0;Size:+0.7;Momentum:+0.5;LowVol:+0.6,ESGOnly,6,35,5.0,hard 10%,139,13.0,Bull,13.1,3.71,2.9,102,22,74,37,false,NoAction,Within bands; monitor,3,6,BrokerA,MKT,0,None,None,Normal monitoring,71,-39,116,5,false,Within IPS guidelines
P5245,Opportunistic,Roth,USD,2024-10-15,1121757,91501,1030256,1.0,73.4,19.0,0.0,7.6,TSLA:21.1%;AAPL:9.1%;BRK.B:10.5%;AMZN:20.6%;IEF:21.1%;QQQ:17.7%,US:76.2;EU:11.0;APAC:8.9;EM:3.9;Other:0.0,Value:-0.5;Growth:+0.7;Quality:+0.3;Size:-0.6;Momentum:-0.3;LowVol:-0.2,NoDerivatives,5,25,5.0,trailing 9%,181,34.9,Sideways,20.8,4.34,2.4,99,17,62,64,false,Hedge,Add TLT +1% as duration hedge,16,9,BrokerB,MKT,88,None,None,Normal monitoring,-30,-38,89,3,false,Tax-aware sells next window
P5246,Active,401k,USD,2024-08-18,2097546,223627,1873919,1.0,57.9,22.6,9.9,9.6,GLD:33.3%;TSLA:33.3%;VNQ:33.3%,US:71.9;EU:6.5;APAC:10.0;EM:8.8;Other:2.9,Value:-0.3;Growth:-0.9;Quality:+0.1;Size:+0.4;Momentum:-0.6;LowVol:+0.2,MaxPos8%;NoDerivatives,6,35,4.8,trailing 9%,183,20.1,Volatile,22.6,4.21,4.4,118,62,74,63,false,Rebalance,Shift +1% to bonds from equity,2,4,BrokerA,LMT,90,None,None,Normal monitoring,-31,-47,-59,4,false,Tighten stops on momentum names
P5247,Active,401k,USD,2025-02-21,2371935,281088,2090847,1.0,67.5,20.7,3.8,8.0,QQQ:38.0%;VTI:38.0%;GLD:24.0%,US:63.5;EU:17.4;APAC:8.7;EM:8.2;Other:2.3,Value:+0.3;Growth:+0.5;Quality:+0.3;Size:+0.5;Momentum:+0.8;LowVol:0.0,,6,30,5.4,hard 12%,199,26.5,Bull,14.4,4.2,2.3,117,1,61,41,false,Rebalance,Shift +1% to bonds from equity,-3,-31,BrokerD,MKT,99,None,None,Normal monitoring,44,14,135,3,false,Within IPS guidelines
P5248,Systematic,Roth,USD,2025-02-03,791925,44631,747294,1.0,58.8,22.3,10.0,8.9,AAPL:26.1%;QQQ:26.1%;BRK.B:26.1%;TSLA:21.6%,US:70.6;EU:9.4;APAC:8.5;EM:10.5;Other:1.0,Value:-0.5;Growth:0.0;Quality:-0.9;Size:-0.0;Momentum:+0.6;LowVol:+0.3,,5,35,4.8,trailing 9%,130,19.0,Sideways,21.8,4.91,2.3,100,-7,50,54,false,NoAction,Within bands; monitor,16,1,BrokerA,MKT,0,None,None,Normal monitoring,93,7,188,4,false,Within IPS guidelines
P5249,Hands-off,Trust,USD,2024-11-29,351057,28012,323045,1.0,61.1,27.7,1.8,9.4,MUB:27.6%;AMZN:27.6%;AAPL:17.2%;IEF:27.6%,US:65.2;EU:12.5;APAC:9.6;EM:10.0;Other:2.6,Value:0.0;Growth:-0.4;Quality:-0.7;Size:+0.7;Momentum:-0.8;LowVol:+0.4,ESGOnly;NoDerivatives,5,30,5.6,trailing 10%,131,18.0,Bear,22.9,3.17,2.2,201,-92,5,62,false,Buy,Add to core equity +1%,26,-22,BrokerA,MKT,98,None,None,Normal monitoring,78,-16,78,3,false,Increase defensive factor exposure
P5250,Active,401k,USD,2024-09-30,2256761,224678,2032083,1.0,50.4,25.9,14.9,8.9,AAPL:21.7%;MUB:21.0%;MSFT:21.7%;VTI:21.7%;IEF:14.0%,US:56.0;EU:18.0;APAC:15.3;EM:6.3;Other:4.4,Value:-0.5;Growth:+0.9;Quality:+0.5;Size:+0.7;Momentum:-0.8;LowVol:+0.4,MaxPos7%,10,35,4.0,hard 12%,164,26.2,Sideways,20.3,4.04,2.5,109,51,80,44,true,Hedge,Buy index puts 1% notional,-9,8,BrokerD,MKT,90,RegimeShift,TightenStops,Volatility spike and breadth deterioration,18,-34,34,3,false,Monitor dispersion and breadth
P5251,Cautious,Trust,USD,2025-09-09,223234,29220,194014,1.0,46.6,37.5,0.0,15.9,AMZN:33.3%;MSFT:33.3%;BRK.B:33.3%,US:72.5;EU:5.9;APAC:9.8;EM:11.3;Other:0.5,Value:-0.0;Growth:-0.1;Quality:-0.8;Size:+0.2;Momentum:-0.5;LowVol:+0.5,ESGOnly;MaxPos7%;NoMargin,8,25,4.3,hard 10%,159,15.6,Volatile,30.1,4.86,3.9,155,-28,31,72,true,Rebalance,Rebalance back to target bands,-3,-3,BrokerD,MKT,94,Drift>tolerance,Pause,Allocation drift beyond policy bands,-27,-28,-12,2,false,Tighten stops on momentum names
P5252,Active,Taxable,USD,2024-09-04,934208,75105,859103,1.0,65.0,25.5,0.0,9.4,VTI:23.7%;BND:21.2%;VNQ:27.5%;TLT:27.5%,US:65.8;EU:13.7;APAC:8.9;EM:8.0;Other:3.6,Value:+0.5;Growth:-0.7;Quality:+0.1;Size:+0.8;Momentum:+0.2;LowVol:-0.5,MaxPos8%;NoDerivatives,10,30,5.2,trailing 8%,223,26.1,Bear,34.1,3.35,2.3,159,3,56,78,true,Rebalance,Rebalance back to target bands,24,-34,BrokerA,LMT,97,VAR>budget,Reduce,Risk above budget threshold,88,-16,224,5,false,Within IPS guidelines
P5253,Active,Roth,USD,2025-04-24,2072286,157498,1914788,1.0,51.2,29.8,13.2,5.8,BRK.B:25.0%;VTI:25.0%;AMZN:25.0%;MUB:25.0%,US:67.3;EU:10.2;APAC:10.0;EM:12.1;Other:0.4,Value:+0.8;Growth:+0.1;Quality:-0.7;Size:+0.8;Momentum:+0.3;LowVol:-0.8,,5,25,5.5,trailing 8%,158,27.9,Volatile,20.8,4.03,2.7,121,76,76,57,false,Rebalance,Shift +1% to bonds from equity,-14,-17,BrokerA,LMT,93,None,None,Normal monitoring,-13,-13,88,4,false,Tighten stops on momentum names
P5254,Hands-off,Taxable,USD,2025-12-09,479108,36889,442219,1.0,64.5,20.2,6.3,9.1,XLF:25.7%;AAPL:23.0%;VNQ:25.7%;HYG:25.7%,US:73.3;EU:8.0;APAC:7.8;EM:7.8;Other:3.1,Value:+0.1;Growth:+0.1;Quality:+0.5;Size:-0.3;Momentum:+0.3;LowVol:+1.0,ESGOnly;NoDerivatives,5,30,3.3,trailing 8%,122,16.3,Volatile,23.9,4.37,2.3,140,-20,47,76,true,Reduce,"Cut high-beta by 2-3%, add cash",-14,11,BrokerA,LMT,86,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-44,-1,40,4,false,Within IPS guidelines
P5255,Hands-off,Trust,USD,2025-03-13,271942,14943,256999,1.0,56.3,26.3,10.6,6.9,IEF:16.7%;TSLA:14.7%;XLF:22.9%;AMZN:22.9%;QQQ:22.9%,US:60.0;EU:13.9;APAC:15.6;EM:5.0;Other:5.5,Value:-0.5;Growth:+0.9;Quality:-0.3;Size:-0.2;Momentum:-1.0;LowVol:+0.7,NoDerivatives,8,25,4.6,trailing 8%,153,14.8,Bull,17.0,4.24,2.1,117,97,90,56,false,Buy,Add to core equity +1%,-15,-10,BrokerC,LMT,94,None,None,Normal monitoring,117,-30,207,3,false,Increase defensive factor exposure
P5256,Systematic,Trust,USD,2025-03-10,925170,84321,840849,1.0,56.4,26.1,12.3,5.2,VTI:12.7%;VNQ:18.7%;QQQ:21.6%;XLF:13.1%;MUB:13.4%;TSLA:20.4%,US:63.8;EU:15.9;APAC:11.9;EM:7.1;Other:1.4,Value:-0.4;Growth:-0.3;Quality:-0.2;Size:+1.0;Momentum:-0.9;LowVol:-0.6,NoDerivatives,10,25,4.3,hard 12%,199,21.2,Bull,17.3,4.97,2.9,78,15,56,39,false,Buy,Add to core equity +1%,-5,11,BrokerD,MKT,89,None,None,Normal monitoring,-22,10,-14,5,false,Tax-aware sells next window
P5257,Hands-off,IRA,USD,2025-09-19,607643,48520,559123,1.0,70.1,15.1,6.3,8.6,HYG:23.1%;BRK.B:22.3%;VOO:23.1%;BND:23.1%;XLF:8.5%,US:61.6;EU:15.2;APAC:12.7;EM:9.6;Other:0.9,Value:-0.2;Growth:+0.1;Quality:+0.1;Size:-0.8;Momentum:+0.5;LowVol:-0.0,ESGOnly,6,30,4.7,trailing 8%,154,19.5,Bull,15.1,4.69,2.8,99,12,45,51,false,Rebalance,Shift +1% to bonds from equity,1,-10,BrokerB,MKT,91,None,None,Normal monitoring,119,-55,165,3,false,Monitor dispersion and breadth
P5258,Opportunistic,Taxable,USD,2025-09-05,782638,35152,747486,1.09,75.2,19.1,0.0,5.7,MSFT:21.9%;VTI:9.5%;QQQ:13.0%;BND:21.9%;AMZN:21.9%;VNQ:11.8%,US:58.0;EU:21.4;APAC:13.3;EM:6.0;Other:1.2,Value:+0.7;Growth:+0.6;Quality:-0.5;Size:+0.8;Momentum:+0.6;LowVol:-0.8,,8,35,4.4,hard 12%,262,28.1,Bull,11.7,4.31,2.8,74,64,96,38,false,Sell,Trim extended winner -1%,-13,13,BrokerB,VWAP,100,None,None,Normal monitoring,77,-52,213,5,false,Within IPS guidelines
P5259,Active,IRA,USD,2025-03-16,1669082,193924,1475158,1.0,69.5,19.4,2.0,9.0,TLT:25.2%;BND:25.2%;VNQ:25.2%;XLF:24.4%,US:68.7;EU:6.1;APAC:13.3;EM:9.2;Other:2.7,Value:-1.0;Growth:+0.9;Quality:-0.7;Size:-0.9;Momentum:-0.4;LowVol:-0.1,MaxPos7%;NoDerivatives,10,30,4.8,hard 12%,120,17.1,Volatile,26.4,3.98,2.5,137,-30,49,81,true,Hedge,Buy index puts 1% notional,29,-9,BrokerD,LMT,94,VAR>budget,Hedge,Risk above budget threshold,-12,-56,-24,3,true,Tax-aware sells next window
P5260,Opportunistic,IRA,USD,2025-10-23,1256543,97683,1158860,1.0,76.3,19.7,0.0,4.1,BND:14.2%;XLF:23.5%;AMZN:15.2%;QQQ:23.5%;AAPL:23.5%,US:64.0;EU:15.1;APAC:14.6;EM:3.7;Other:2.7,Value:-0.8;Growth:+0.6;Quality:+0.4;Size:+0.4;Momentum:-0.6;LowVol:+1.0,,6,30,6.7,trailing 9%,180,33.3,Volatile,23.4,5.26,3.6,163,75,85,72,true,Hedge,Buy index puts 1% notional,2,-9,BrokerB,VWAP,99,VAR>budget,Hedge,Risk above budget threshold,13,-16,98,3,false,Monitor dispersion and breadth
P5261,Cautious,401k,USD,2025-01-20,843924,82381,761543,1.0,48.8,31.9,4.7,14.6,IEF:25.2%;MSFT:10.0%;GLD:25.2%;QQQ:14.4%;VNQ:25.2%,US:75.3;EU:9.0;APAC:5.2;EM:10.4;Other:0.2,Value:-0.1;Growth:-0.6;Quality:+0.8;Size:-0.7;Momentum:+0.2;LowVol:+0.3,ESGOnly;MaxPos6%;NoMargin,8,25,5.1,trailing 10%,111,16.5,Sideways,19.0,3.66,3.3,106,41,64,41,false,NoAction,Within bands; monitor,-14,-10,BrokerD,LMT,92,None,None,Normal monitoring,113,-33,89,3,false,Tax-aware sells next window
P5262,Systematic,401k,USD,2024-08-23,1183831,80908,1102923,1.0,60.8,23.9,8.3,6.9,VTI:30.1%;AAPL:20.0%;TSLA:19.9%;BRK.B:30.1%,US:71.5;EU:11.5;APAC:10.1;EM:4.1;Other:2.8,Value:+0.7;Growth:-0.9;Quality:+0.2;Size:-0.8;Momentum:-0.0;LowVol:-1.0,MaxPos5%,8,35,4.1,trailing 8%,201,17.8,Bull,15.1,4.11,2.4,105,101,92,46,false,Rebalance,Shift +1% to bonds from equity,-12,-30,BrokerB,MKT,100,None,None,Normal monitoring,102,-49,183,5,false,Tax-aware sells next window
P5263,Cautious,Trust,USD,2025-01-08,767646,99010,668636,1.0,38.9,33.4,10.5,17.1,VNQ:33.3%;TSLA:33.3%;MSFT:33.3%,US:70.4;EU:12.8;APAC:10.3;EM:4.7;Other:1.8,Value:+0.1;Growth:-1.0;Quality:-0.8;Size:+0.7;Momentum:+0.2;LowVol:+0.3,MaxPos6%;NoDerivatives;NoMargin,10,35,4.2,hard 10%,161,16.3,Bull,12.9,4.69,2.9,107,73,71,29,false,Buy,Add to core equity +1%,10,3,BrokerB,LMT,96,None,None,Normal monitoring,88,-27,73,5,false,Tax-aware sells next window
P5264,Active,401k,USD,2025-09-30,2394579,274964,2119615,1.0,57.2,19.3,17.7,5.8,TSLA:28.8%;GLD:35.6%;MUB:35.6%,US:60.3;EU:12.3;APAC:14.0;EM:8.6;Other:4.8,Value:0.0;Growth:-1.0;Quality:-0.9;Size:+0.5;Momentum:+1.0;LowVol:+0.4,MaxPos8%,8,25,5.2,trailing 8%,155,23.7,Bull,11.2,4.08,2.3,104,61,66,28,false,Hedge,Add TLT +1% as duration hedge,25,-14,BrokerC,LMT,97,None,None,Normal monitoring,91,3,66,3,false,Increase defensive factor exposure
P5265,Hands-off,Roth,USD,2025-01-27,183048,11757,171291,1.0,61.0,26.2,3.1,9.7,AMZN:25.2%;MSFT:25.2%;XLF:24.4%;VNQ:25.2%,US:65.4;EU:14.4;APAC:12.3;EM:4.5;Other:3.3,Value:-0.9;Growth:-0.3;Quality:-0.4;Size:-0.9;Momentum:+0.6;LowVol:-0.0,ESGOnly;MaxPos7%,7,25,6.0,hard 10%,117,17.1,Volatile,22.6,5.41,2.2,156,30,59,61,false,Rebalance,Shift +1% to bonds from equity,-12,-12,BrokerA,LMT,92,None,None,Normal monitoring,113,-38,100,3,false,Increase defensive factor exposure
P5266,Systematic,Trust,USD,2025-12-05,771480,49449,722031,1.0,55.5,30.3,6.7,7.5,AMZN:27.3%;TLT:27.3%;VTI:18.1%;XLF:27.3%,US:68.4;EU:10.0;APAC:11.5;EM:8.5;Other:1.7,Value:+0.9;Growth:-0.6;Quality:-0.2;Size:-0.9;Momentum:+0.9;LowVol:+0.5,,5,35,4.1,trailing 8%,197,22.4,Volatile,31.1,4.86,3.7,140,-58,36,65,false,Rebalance,Shift +1% to bonds from equity,20,-11,BrokerA,MKT,90,None,None,Normal monitoring,-22,-28,86,3,false,Monitor dispersion and breadth
P5267,Opportunistic,Taxable,USD,2024-07-21,541658,21495,520163,1.0,62.6,10.1,18.4,8.8,BND:20.4%;QQQ:15.4%;GLD:19.2%;VNQ:20.4%;XLF:16.2%;MSFT:8.4%,US:72.9;EU:8.1;APAC:10.8;EM:4.8;Other:3.3,Value:+0.9;Growth:-0.0;Quality:-0.5;Size:+0.6;Momentum:-0.6;LowVol:-0.2,,10,25,6.8,trailing 7%,164,25.3,Bull,14.0,4.93,2.7,83,61,82,44,false,Sell,Trim extended winner -1%,-2,-37,BrokerB,MKT,97,None,None,Normal monitoring,59,-21,142,4,false,Increase defensive factor exposure
P5268,Active,Taxable,USD,2024-11-23,773802,53986,719816,1.0,52.7,21.6,19.1,6.6,TSLA:35.5%;IEF:35.5%;VNQ:28.9%,US:68.3;EU:7.0;APAC:16.5;EM:4.5;Other:3.6,Value:-0.3;Growth:-1.0;Quality:-0.2;Size:-0.7;Momentum:+0.3;LowVol:+0.8,NoDerivatives,7,25,4.7,hard 12%,139,21.3,Bear,32.0,3.68,1.7,175,22,49,79,true,Hedge,Buy index puts 1% notional,35,-7,BrokerA,LMT,93,VAR>budget,Pause,Risk above budget threshold,-51,-34,-59,4,true,Tax-aware sells next window
P5269,Systematic,Taxable,USD,2025-03-29,594263,45581,548682,1.0,60.6,23.5,8.4,7.5,GLD:16.3%;IEF:11.2%;AAPL:18.8%;TLT:20.3%;MUB:17.2%;BRK.B:16.3%,US:66.7;EU:13.8;APAC:13.5;EM:4.7;Other:1.3,Value:+0.3;Growth:0.0;Quality:0.0;Size:-0.3;Momentum:-0.2;LowVol:+0.3,,8,30,4.8,trailing 8%,172,25.0,Bull,14.9,3.76,2.5,78,94,91,41,false,Rebalance,Shift +1% to bonds from equity,35,-23,BrokerD,LMT,88,None,None,Normal monitoring,19,-59,114,5,false,Within IPS guidelines
P5270,Opportunistic,401k,USD,2024-09-21,1167893,90941,1076952,1.0,67.8,17.1,6.6,8.6,XLF:21.5%;IEF:21.5%;BRK.B:20.9%;VTI:20.6%;HYG:15.4%,US:68.6;EU:10.3;APAC:12.5;EM:3.5;Other:5.2,Value:-0.8;Growth:-0.4;Quality:-0.2;Size:+0.8;Momentum:+0.1;LowVol:+0.4,,8,30,5.0,trailing 7%,186,32.4,Bear,24.0,3.53,1.6,220,-69,10,61,false,Buy,Add to core equity +1%,4,-3,BrokerC,LMT,96,None,None,Normal monitoring,118,-23,104,4,false,Within IPS guidelines
P5271,Active,Roth,USD,2025-04-12,579400,65769,513631,1.0,60.0,26.7,6.0,7.4,VNQ:21.4%;MUB:16.5%;VTI:10.7%;AAPL:21.4%;BND:16.4%;BRK.B:13.6%,US:60.3;EU:21.5;APAC:7.8;EM:8.6;Other:1.7,Value:-0.8;Growth:-0.0;Quality:-0.6;Size:-0.2;Momentum:+0.8;LowVol:+0.2,,7,35,5.7,trailing 8%,216,27.7,Sideways,17.5,4.46,3.3,115,36,68,52,false,Buy,Add to core equity +1%,24,3,BrokerC,MKT,95,None,None,Normal monitoring,-18,-1,10,4,false,Tighten stops on momentum names
P5272,Hands-off,IRA,USD,2025-10-12,502394,40609,461785,1.0,67.1,23.7,0.0,9.2,BND:33.3%;AAPL:33.3%;TLT:33.3%,US:73.8;EU:6.1;APAC:11.3;EM:3.9;Other:4.9,Value:-0.7;Growth:+0.6;Quality:+0.4;Size:-0.3;Momentum:-0.4;LowVol:+0.6,ESGOnly;MaxPos5%,8,30,3.9,trailing 10%,115,17.4,Bull,12.6,3.88,2.3,90,98,94,40,false,Buy,Add to core equity +1%,10,-16,BrokerD,MKT,96,None,None,Normal monitoring,-27,-47,-3,5,false,Within IPS guidelines
P5273,Active,IRA,USD,2025-02-07,733060,75691,657369,1.0,62.0,23.5,4.7,9.8,GLD:22.6%;VNQ:16.0%;IEF:22.6%;AMZN:19.0%;TSLA:10.4%;MSFT:9.5%,US:61.1;EU:14.7;APAC:12.8;EM:8.5;Other:3.0,Value:-0.1;Growth:-0.8;Quality:-0.5;Size:-0.2;Momentum:-0.9;LowVol:+0.3,,7,35,5.3,trailing 8%,162,26.9,Sideways,17.1,3.63,3.3,140,-11,30,47,false,Rebalance,Shift +1% to bonds from equity,0,-28,BrokerA,MKT,90,None,None,Normal monitoring,39,3,118,4,false,Monitor dispersion and breadth
P5274,Hands-off,Roth,USD,2025-11-07,395281,37620,357661,1.0,55.3,20.0,19.5,5.3,MSFT:21.7%;AMZN:21.7%;VTI:21.5%;VNQ:19.5%;TLT:15.6%,US:69.5;EU:7.1;APAC:12.0;EM:9.1;Other:2.3,Value:-0.1;Growth:-0.7;Quality:+0.9;Size:+0.6;Momentum:+0.9;LowVol:0.0,ESGOnly;MaxPos6%,5,35,5.1,trailing 8%,106,14.4,Bull,12.7,4.02,3.5,100,110,100,28,true,Hedge,Buy index puts 1% notional,6,-7,BrokerB,LMT,100,VAR>budget,Hedge,Risk above budget threshold,36,20,155,4,false,Within IPS guidelines
P5275,Systematic,Roth,USD,2025-04-26,1923081,119519,1803562,1.0,63.9,25.2,5.6,5.3,AAPL:33.3%;BRK.B:33.3%;BND:33.3%,US:77.6;EU:8.2;APAC:8.3;EM:5.8;Other:0.1,Value:-0.4;Growth:-0.3;Quality:-0.6;Size:+0.4;Momentum:+0.8;LowVol:-0.9,MaxPos8%,10,30,5.9,trailing 9%,202,27.2,Bull,15.3,4.1,3.2,81,48,76,49,false,Rebalance,Shift +1% to bonds from equity,23,-4,BrokerA,MKT,95,None,None,Normal monitoring,9,-7,6,5,false,Tighten stops on momentum names
P5276,Systematic,IRA,USD,2025-11-30,1488693,107958,1380735,1.0,63.1,23.5,6.6,6.9,VTI:21.8%;BRK.B:22.0%;GLD:10.2%;AMZN:22.0%;MSFT:9.8%;HYG:14.1%,US:69.7;EU:16.3;APAC:5.1;EM:4.9;Other:4.1,Value:-0.6;Growth:0.0;Quality:-1.0;Size:-0.6;Momentum:+0.7;LowVol:+0.8,NoDerivatives,7,30,5.3,trailing 8%,142,23.0,Bull,17.1,4.68,3.5,79,29,50,45,false,Buy,Add to core equity +1%,24,-36,BrokerD,MKT,100,None,None,Normal monitoring,-9,10,71,5,false,Within IPS guidelines
P5277,Cautious,401k,USD,2025-11-10,381755,60710,321045,1.0,40.7,34.5,14.3,10.5,VTI:13.9%;TSLA:21.7%;TLT:21.7%;VNQ:7.9%;HYG:21.7%;BRK.B:13.0%,US:66.1;EU:17.0;APAC:9.2;EM:7.4;Other:0.2,Value:+0.9;Growth:-0.2;Quality:+0.4;Size:+0.8;Momentum:-0.7;LowVol:-0.3,ESGOnly;NoMargin,5,25,3.5,trailing 8%,102,13.6,Bear,34.1,3.48,1.4,154,-87,5,62,false,Rebalance,Shift +1% to bonds from equity,25,6,BrokerB,MKT,95,None,None,Normal monitoring,-20,-14,10,3,false,Monitor dispersion and breadth
P5278,Active,Roth,USD,2024-09-12,2329453,216619,2112834,1.14,59.3,26.6,5.6,8.4,GLD:27.7%;XLF:16.8%;TLT:27.7%;BND:27.7%,US:70.5;EU:11.7;APAC:6.3;EM:6.2;Other:5.3,Value:-0.3;Growth:-0.5;Quality:+0.8;Size:-0.7;Momentum:+0.1;LowVol:-0.6,MaxPos5%,8,25,4.8,trailing 9%,144,27.0,Bull,17.1,4.24,2.9,120,6,51,44,false,Buy,Add to core equity +1%,5,6,BrokerB,VWAP,87,None,None,Normal monitoring,57,-29,194,3,false,Increase defensive factor exposure
P5279,Active,Taxable,USD,2024-11-28,1190509,124195,1066314,1.0,55.2,31.6,4.2,9.0,VTI:37.0%;MUB:26.1%;XLF:37.0%,US:66.8;EU:14.9;APAC:14.4;EM:3.6;Other:0.3,Value:-0.6;Growth:+0.6;Quality:-1.0;Size:+1.0;Momentum:+0.9;LowVol:+0.9,,5,30,5.6,trailing 9%,129,25.1,Volatile,21.5,4.95,4.3,116,-8,59,64,false,Rebalance,Shift +1% to bonds from equity,34,9,BrokerA,LMT,94,None,None,Normal monitoring,-33,-57,-67,5,false,Within IPS guidelines
P5280,Active,Taxable,USD,2025-03-09,2079254,212532,1866722,1.0,66.7,19.8,4.3,9.3,VNQ:25.0%;AAPL:24.9%;AMZN:25.0%;BND:25.0%,US:62.6;EU:13.7;APAC:10.6;EM:8.9;Other:4.1,Value:-1.0;Growth:-0.5;Quality:+0.4;Size:+0.3;Momentum:+1.0;LowVol:-0.2,NoDerivatives,10,35,4.2,trailing 9%,149,17.2,Bear,24.4,4.09,2.0,197,-13,28,66,false,Rebalance,Shift +1% to bonds from equity,16,-37,BrokerD,LMT,89,None,None,Normal monitoring,99,5,144,5,false,Monitor dispersion and breadth
P5281,Cautious,Roth,USD,2025-05-09,481932,44183,437749,1.0,49.3,38.4,0.0,12.4,TSLA:35.0%;GLD:30.0%;XLF:35.0%,US:67.4;EU:16.8;APAC:6.0;EM:5.7;Other:4.1,Value:+0.2;Growth:-0.4;Quality:-0.5;Size:-0.4;Momentum:+0.6;LowVol:+0.3,ESGOnly;NoDerivatives;NoMargin,8,30,5.9,hard 10%,140,15.7,Volatile,26.6,4.51,3.3,168,71,94,57,false,Rebalance,Shift +1% to bonds from equity,16,12,BrokerD,LMT,86,None,None,Normal monitoring,52,-10,115,4,false,Tighten stops on momentum names
P5282,Hands-off,401k,USD,2024-11-07,812086,32827,779259,1.0,72.3,18.6,0.0,9.0,BND:33.8%;AAPL:32.4%;HYG:33.8%,US:70.6;EU:11.8;APAC:6.5;EM:9.8;Other:1.3,Value:0.0;Growth:+0.1;Quality:-0.6;Size:-0.6;Momentum:-0.1;LowVol:-0.8,ESGOnly;NoDerivatives,10,25,3.5,trailing 10%,125,17.0,Bull,14.4,4.83,3.3,94,11,57,45,false,Sell,Trim extended winner -1%,34,1,BrokerD,LMT,96,None,None,Normal monitoring,-45,-16,62,4,false,Tax-aware sells next window
P5283,Cautious,Roth,USD,2025-06-01,667642,93935,573707,1.0,40.0,42.8,1.1,16.2,VTI:18.7%;HYG:22.8%;QQQ:13.0%;AAPL:22.8%;BND:22.8%,US:64.2;EU:15.0;APAC:8.0;EM:10.4;Other:2.5,Value:+0.2;Growth:-0.5;Quality:-0.1;Size:-0.6;Momentum:-0.1;LowVol:0.0,ESGOnly;NoMargin,8,35,3.5,trailing 8%,110,18.5,Sideways,14.3,3.64,3.2,128,10,49,33,false,Rebalance,Shift +1% to bonds from equity,18,-27,BrokerD,VWAP,87,None,None,Normal monitoring,76,-60,141,4,false,Monitor dispersion and breadth
P5284,Active,401k,USD,2024-11-26,2381937,271748,2110189,1.05,65.0,29.8,0.0,5.2,TSLA:33.3%;TLT:33.3%;XLF:33.3%,US:65.7;EU:13.0;APAC:10.9;EM:7.3;Other:3.2,Value:-0.9;Growth:+0.1;Quality:+0.6;Size:-0.5;Momentum:+1.0;LowVol:-1.0,MaxPos8%,6,25,5.2,trailing 9%,150,19.0,Bull,14.1,3.73,2.6,117,94,91,56,false,Sell,Trim extended winner -1%,14,-14,BrokerD,VWAP,91,None,None,Normal monitoring,33,5,74,4,false,Tax-aware sells next window
P5285,Systematic,Trust,USD,2025-11-15,974525,83635,890890,1.0,63.2,25.9,2.1,8.8,TLT:25.0%;AMZN:25.0%;MSFT:25.0%;BRK.B:25.0%,US:70.4;EU:8.0;APAC:14.3;EM:6.4;Other:0.8,Value:-0.4;Growth:-0.5;Quality:+0.8;Size:-0.2;Momentum:-0.6;LowVol:-0.2,MaxPos8%,7,30,5.6,trailing 8%,208,22.5,Volatile,29.7,5.32,3.0,134,42,70,74,true,Reduce,"Cut high-beta by 2-3%, add cash",15,-10,BrokerD,LMT,90,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-22,-3,18,3,false,Monitor dispersion and breadth
P5286,Hands-off,401k,USD,2025-02-24,649578,31587,617991,1.0,66.8,23.0,2.4,7.7,GLD:17.2%;AMZN:19.5%;IEF:20.1%;XLF:12.4%;VNQ:20.1%;QQQ:10.7%,US:68.6;EU:15.5;APAC:6.5;EM:9.2;Other:0.2,Value:-0.1;Growth:-0.3;Quality:-0.9;Size:-0.4;Momentum:-0.6;LowVol:-0.7,MaxPos8%;NoDerivatives,5,25,3.6,hard 10%,131,18.3,Volatile,25.2,4.51,3.4,134,73,82,77,true,Reduce,"Cut high-beta by 2-3%, add cash",-13,9,BrokerB,MKT,86,RegimeShift,Reduce,Volatility spike and breadth deterioration,-60,-52,-46,3,false,Within IPS guidelines
P5287,Hands-off,IRA,USD,2025-02-05,159462,14306,145156,1.0,67.0,21.7,2.6,8.6,BRK.B:19.4%;XLF:14.6%;VNQ:17.3%;GLD:24.4%;VOO:24.4%,US:67.8;EU:14.5;APAC:8.2;EM:4.3;Other:5.1,Value:+0.4;Growth:+0.9;Quality:-0.3;Size:+0.3;Momentum:-0.7;LowVol:+0.1,ESGOnly,6,35,3.7,hard 10%,119,12.6,Volatile,25.8,4.22,3.7,119,48,89,67,false,Buy,Add to core equity +1%,32,-14,BrokerD,MKT,94,None,None,Normal monitoring,98,1,86,5,false,Increase defensive factor exposure
P5288,Active,Taxable,USD,2024-10-04,1895005,121743,1773262,1.0,67.2,19.7,6.2,6.8,MUB:21.7%;VOO:15.0%;BND:11.6%;TSLA:8.3%;VNQ:21.7%;AMZN:21.7%,US:78.1;EU:6.6;APAC:10.8;EM:3.1;Other:1.4,Value:-0.9;Growth:+0.7;Quality:+0.4;Size:-0.5;Momentum:0.0;LowVol:-0.1,,6,35,5.1,trailing 9%,162,24.9,Bull,11.9,3.58,3.1,82,34,68,46,false,Buy,Add to core equity +1%,-5,6,BrokerB,VWAP,90,None,None,Normal monitoring,-23,-30,89,5,false,Monitor dispersion and breadth
P5289,Cautious,Taxable,USD,2024-08-10,866452,116728,749724,1.0,37.8,33.1,11.4,17.7,TSLA:6.7%;GLD:6.2%;VTI:21.8%;QQQ:21.8%;HYG:21.8%;MSFT:21.8%,US:71.9;EU:11.3;APAC:8.7;EM:6.1;Other:2.0,Value:+0.1;Growth:+0.9;Quality:+0.2;Size:-0.4;Momentum:-0.5;LowVol:+0.2,NoMargin,6,35,3.8,trailing 10%,126,17.6,Bull,11.2,4.76,2.4,76,110,100,15,false,Rebalance,Shift +1% to bonds from equity,18,3,BrokerC,MKT,85,None,None,Normal monitoring,17,-11,143,5,false,Within IPS guidelines
P5290,Cautious,Taxable,USD,2025-08-10,668625,66800,601825,1.0,38.3,44.3,1.4,16.0,VTI:13.2%;HYG:9.0%;TLT:19.1%;BRK.B:19.2%;VNQ:20.8%;IEF:18.7%,US:62.8;EU:15.6;APAC:11.5;EM:7.6;Other:2.6,Value:-0.5;Growth:-0.1;Quality:+0.8;Size:-0.0;Momentum:-0.1;LowVol:+0.2,NoMargin,5,30,3.9,trailing 10%,108,13.2,Volatile,30.9,4.34,2.3,175,-46,26,65,false,Hedge,Add TLT +1% as duration hedge,-13,7,BrokerB,VWAP,91,None,None,Normal monitoring,46,-25,166,5,false,Monitor dispersion and breadth
P5291,Systematic,Roth,USD,2025-09-27,1496086,126045,1370041,1.0,67.7,21.5,1.6,9.1,TSLA:27.3%;VTI:18.0%;BRK.B:27.3%;AAPL:27.3%,US:67.2;EU:11.2;APAC:7.2;EM:10.4;Other:4.0,Value:-0.8;Growth:+0.8;Quality:+0.9;Size:+0.6;Momentum:-0.6;LowVol:+0.2,,8,30,5.9,trailing 9%,140,16.5,Bull,17.8,4.24,2.4,100,74,98,66,false,NoAction,Within bands; monitor,34,-12,BrokerC,MKT,0,None,None,Normal monitoring,-37,-20,103,4,false,Increase defensive factor exposure
P5292,Active,Trust,USD,2025-06-30,2294539,262557,2031982,1.0,61.6,22.5,9.2,6.7,HYG:28.5%;MUB:14.6%;VNQ:28.5%;BRK.B:28.5%,US:71.6;EU:6.6;APAC:7.0;EM:14.5;Other:0.3,Value:-0.7;Growth:+0.9;Quality:+0.3;Size:-0.6;Momentum:-1.0;LowVol:-1.0,NoDerivatives,6,35,4.3,trailing 8%,123,27.7,Bull,17.9,4.92,2.2,84,92,100,43,false,Rebalance,Shift +1% to bonds from equity,-14,15,BrokerA,VWAP,88,None,None,Normal monitoring,16,-52,32,3,false,Increase defensive factor exposure
P5293,Opportunistic,401k,USD,2025-10-28,983836,45598,938238,1.1,67.0,15.3,8.9,8.8,QQQ:19.4%;IEF:17.0%;BND:16.9%;VNQ:16.5%;XLF:12.9%;TSLA:17.3%,US:71.1;EU:12.6;APAC:9.8;EM:5.8;Other:0.7,Value:+0.7;Growth:-1.0;Quality:+1.0;Size:-0.6;Momentum:-0.7;LowVol:-0.2,NoDerivatives,5,30,4.5,trailing 9%,193,22.0,Volatile,25.2,4.75,2.7,163,-3,42,78,true,Rebalance,Rebalance back to target bands,18,-17,BrokerC,VWAP,89,Drift>tolerance,Reduce,Allocation drift beyond policy bands,81,-40,119,2,false,Tighten stops on momentum names
P5294,Hands-off,Trust,USD,2024-11-25,828842,43423,785419,1.0,62.0,15.2,15.3,7.4,VTI:26.2%;HYG:26.2%;XLF:21.4%;GLD:26.2%,US:64.7;EU:13.4;APAC:10.3;EM:6.4;Other:5.2,Value:+0.6;Growth:-0.3;Quality:-0.7;Size:+0.7;Momentum:-0.2;LowVol:+1.0,ESGOnly;MaxPos8%,6,30,3.3,hard 10%,123,17.0,Bear,25.0,4.37,1.3,162,-76,24,72,true,Hedge,Buy index puts 1% notional,31,3,BrokerB,MKT,94,VAR>budget,Reduce,Risk above budget threshold,1,-49,117,4,false,Increase defensive factor exposure
P5295,Hands-off,Trust,USD,2025-09-13,391997,24568,367429,1.0,65.9,18.9,9.4,5.8,IEF:20.8%;QQQ:19.0%;VOO:13.2%;BND:19.6%;AMZN:10.6%;VNQ:16.8%,US:63.4;EU:12.1;APAC:11.8;EM:8.9;Other:3.8,Value:+0.3;Growth:-0.6;Quality:-0.7;Size:+0.9;Momentum:-0.5;LowVol:+0.6,,8,30,3.1,hard 10%,140,15.8,Sideways,14.2,3.59,3.2,96,22,64,44,false,Rebalance,Shift +1% to bonds from equity,26,-34,BrokerC,LMT,87,None,None,Normal monitoring,37,-38,38,5,false,Monitor dispersion and breadth
P5296,Active,Roth,USD,2024-10-15,1073389,79445,993944,1.0,60.7,25.0,8.1,6.1,IEF:24.2%;BRK.B:24.2%;VOO:20.6%;VTI:16.6%;GLD:14.3%,US:62.6;EU:19.9;APAC:7.3;EM:8.4;Other:1.7,Value:+0.9;Growth:+0.9;Quality:+0.8;Size:-0.3;Momentum:-0.2;LowVol:+0.6,,6,30,5.7,trailing 9%,209,23.2,Bull,11.1,4.99,2.5,71,18,74,48,false,Rebalance,Shift +1% to bonds from equity,17,-19,BrokerA,LMT,86,None,None,Normal monitoring,72,15,204,5,false,Within IPS guidelines
P5297,Cautious,IRA,USD,2025-10-05,415581,34340,381241,1.0,38.7,33.2,17.0,11.1,IEF:20.9%;MUB:20.9%;AMZN:16.9%;BND:20.3%;MSFT:20.9%,US:65.2;EU:11.5;APAC:11.7;EM:7.0;Other:4.5,Value:+0.1;Growth:+0.1;Quality:-0.1;Size:+0.7;Momentum:+0.1;LowVol:+0.5,MaxPos8%;NoMargin,5,25,5.3,hard 10%,119,14.1,Bear,28.0,3.5,1.5,142,33,68,58,false,Rebalance,Shift +1% to bonds from equity,34,0,BrokerD,LMT,88,None,None,Normal monitoring,110,-5,84,3,false,Within IPS guidelines
P5298,Opportunistic,IRA,USD,2025-06-26,1237847,37294,1200553,1.24,60.9,20.5,10.6,8.0,QQQ:36.2%;MSFT:36.2%;TLT:27.5%,US:61.2;EU:11.5;APAC:13.4;EM:9.4;Other:4.5,Value:-0.6;Growth:+0.4;Quality:-0.8;Size:-0.1;Momentum:+0.6;LowVol:+0.4,,5,35,5.9,trailing 9%,191,34.5,Volatile,22.6,3.54,3.8,179,-16,27,59,false,Rebalance,Shift +1% to bonds from equity,-1,-29,BrokerB,LMT,88,None,None,Normal monitoring,83,-42,112,5,false,Monitor dispersion and breadth
P5299,Hands-off,IRA,USD,2025-02-04,579611,55182,524429,1.0,58.4,20.8,11.7,9.1,HYG:34.7%;XLF:30.6%;VOO:34.7%,US:66.3;EU:16.0;APAC:10.2;EM:4.6;Other:2.9,Value:-0.4;Growth:-0.1;Quality:+0.1;Size:+0.9;Momentum:+0.3;LowVol:+0.9,ESGOnly;MaxPos7%,10,30,3.6,trailing 10%,131,19.8,Bear,22.9,4.29,2.2,183,-86,6,54,false,Rebalance,Shift +1% to bonds from equity,22,-12,BrokerB,MKT,85,None,None,Normal monitoring,104,9,171,5,false,Within IPS guidelines
P5300,Systematic,IRA,USD,2024-11-28,1359791,84830,1274961,1.0,59.6,31.3,0.0,9.1,MUB:17.9%;IEF:14.4%;BRK.B:12.9%;VNQ:20.3%;AMZN:14.2%;TSLA:20.3%,US:68.4;EU:7.8;APAC:10.5;EM:7.7;Other:5.6,Value:-0.5;Growth:-0.1;Quality:+0.1;Size:+0.6;Momentum:+0.1;LowVol:-0.8,,10,25,5.4,trailing 9%,152,23.3,Bull,13.8,4.54,3.1,70,50,83,39,false,Rebalance,Shift +1% to bonds from equity,-11,3,BrokerA,LMT,91,None,None,Normal monitoring,-27,-57,-15,3,false,Tighten stops on momentum names
P5301,Hands-off,IRA,USD,2024-12-06,867835,50039,817796,1.0,69.6,19.3,3.5,7.6,XLF:27.8%;VOO:16.6%;QQQ:27.8%;MUB:27.8%,US:70.0;EU:15.2;APAC:9.4;EM:4.8;Other:0.6,Value:-0.3;Growth:+0.2;Quality:+0.4;Size:-0.8;Momentum:+0.1;LowVol:+0.4,MaxPos8%,7,25,3.3,trailing 10%,160,14.4,Volatile,29.2,4.37,4.1,121,26,54,88,true,Hedge,Buy index puts 1% notional,11,5,BrokerD,MKT,87,VAR>budget,Hedge,Risk above budget threshold,19,-60,40,2,false,Increase defensive factor exposure
P5302,Hands-off,Roth,USD,2025-01-29,391607,36695,354912,1.0,56.9,29.4,6.7,7.0,IEF:29.0%;MSFT:29.0%;BND:29.0%;AMZN:13.0%,US:71.9;EU:13.0;APAC:6.6;EM:4.0;Other:4.5,Value:+0.9;Growth:+0.2;Quality:+0.1;Size:-1.0;Momentum:+0.1;LowVol:-0.2,ESGOnly;MaxPos8%,7,35,4.4,hard 10%,97,18.9,Bear,26.5,4.11,2.9,167,-106,5,76,true,Reduce,"Cut high-beta by 2-3%, add cash",21,-26,BrokerB,LMT,94,RegimeShift,Hedge,Volatility spike and breadth deterioration,-52,-38,-20,4,false,Tighten stops on momentum names
P5303,Cautious,Roth,USD,2024-09-04,491386,60990,430396,1.0,46.1,35.3,6.3,12.3,IEF:21.8%;TSLA:26.7%;BND:26.7%;BRK.B:24.8%,US:67.9;EU:15.5;APAC:6.4;EM:5.8;Other:4.4,Value:-0.3;Growth:+0.2;Quality:+0.3;Size:-0.4;Momentum:-0.2;LowVol:0.0,ESGOnly;MaxPos5%;NoMargin,6,25,5.6,trailing 8%,97,16.0,Sideways,21.6,4.4,2.1,109,-30,39,42,false,NoAction,Within bands; monitor,8,-9,BrokerC,MKT,0,None,None,Normal monitoring,25,2,27,3,false,Within IPS guidelines
P5304,Opportunistic,Taxable,USD,2025-03-07,1022442,51270,971172,1.25,75.1,16.8,0.0,8.1,AMZN:33.3%;VNQ:33.3%;VTI:33.3%,US:68.5;EU:15.8;APAC:10.0;EM:4.2;Other:1.4,Value:+0.4;Growth:+0.2;Quality:+0.3;Size:+0.8;Momentum:-0.3;LowVol:-0.8,,8,35,4.9,trailing 7%,248,34.8,Sideways,14.9,4.72,2.5,103,5,56,62,false,Buy,Add to core equity +1%,17,10,BrokerC,MKT,92,None,None,Normal monitoring,9,-18,113,3,false,Monitor dispersion and breadth
P5305,Cautious,IRA,USD,2024-09-28,857573,90930,766643,1.0,47.1,35.4,0.0,17.5,VOO:23.0%;VTI:23.0%;TSLA:18.6%;XLF:12.5%;VNQ:23.0%,US:67.1;EU:12.4;APAC:11.7;EM:7.9;Other:1.0,Value:+0.1;Growth:-0.8;Quality:+0.8;Size:+0.1;Momentum:+0.7;LowVol:-0.7,NoMargin,8,35,5.4,hard 10%,94,15.7,Bull,11.7,3.8,3.0,78,101,93,22,false,Hedge,Add TLT +1% as duration hedge,4,-37,BrokerC,MKT,87,None,None,Normal monitoring,0,-22,-18,4,false,Tax-aware sells next window
P5306,Opportunistic,Trust,USD,2025-06-20,568391,28211,540180,1.0,70.9,20.5,0.0,8.6,MSFT:22.2%;XLF:22.2%;QQQ:17.8%;VNQ:22.2%;VTI:15.5%,US:68.0;EU:10.4;APAC:13.0;EM:5.8;Other:2.8,Value:+0.9;Growth:+0.5;Quality:+0.1;Size:-0.3;Momentum:+0.8;LowVol:-0.6,,8,30,5.1,trailing 9%,231,27.0,Bull,15.2,3.72,2.8,85,106,100,54,true,Reduce,"Cut high-beta by 2-3%, add cash",-2,-21,BrokerC,VWAP,98,RegimeShift,Hedge,Volatility spike and breadth deterioration,13,-37,20,2,false,Monitor dispersion and breadth
P5307,Cautious,401k,USD,2024-11-10,255782,37724,218058,1.0,43.8,30.8,14.5,10.9,TLT:33.3%;HYG:33.3%;TSLA:33.3%,US:74.0;EU:11.8;APAC:7.7;EM:6.0;Other:0.5,Value:+0.7;Growth:+0.4;Quality:+0.9;Size:-0.1;Momentum:+0.2;LowVol:-0.2,MaxPos6%;NoMargin,8,30,4.4,trailing 8%,158,13.7,Bull,16.1,4.17,2.6,90,15,60,42,false,Rebalance,Shift +1% to bonds from equity,-1,-24,BrokerC,LMT,96,None,None,Normal monitoring,6,-39,134,4,false,Monitor dispersion and breadth
P5308,Active,401k,USD,2025-08-06,2420644,246220,2174424,1.18,66.3,24.4,0.0,9.4,GLD:34.2%;XLF:34.2%;QQQ:31.6%,US:60.8;EU:11.2;APAC:13.5;EM:10.9;Other:3.6,Value:-0.2;Growth:-0.3;Quality:-0.3;Size:+0.4;Momentum:-0.8;LowVol:+0.9,MaxPos5%;NoDerivatives,5,30,4.7,trailing 9%,138,24.6,Volatile,23.3,5.49,2.3,136,25,51,64,false,NoAction,Within bands; monitor,6,-22,BrokerC,LMT,98,None,None,Normal monitoring,91,-55,140,5,false,Tighten stops on momentum names
P5309,Systematic,Trust,USD,2025-04-29,1966422,137545,1828877,1.0,68.2,20.1,3.2,8.4,VTI:24.0%;VOO:24.0%;AMZN:24.0%;QQQ:18.6%;TLT:9.4%,US:67.3;EU:14.5;APAC:4.8;EM:9.2;Other:4.3,Value:-0.7;Growth:+0.5;Quality:+1.0;Size:-0.2;Momentum:+0.6;LowVol:+0.9,,8,25,5.0,trailing 9%,209,25.3,Sideways,14.7,4.97,2.1,100,-13,28,53,false,NoAction,Within bands; monitor,-14,-3,BrokerA,MKT,0,None,None,Normal monitoring,100,-23,128,5,false,Within IPS guidelines
P5310,Cautious,Roth,USD,2025-10-03,181902,19642,162260,1.0,41.7,43.6,0.0,14.7,AAPL:30.9%;BRK.B:34.5%;XLF:34.5%,US:71.5;EU:12.3;APAC:7.4;EM:6.8;Other:2.0,Value:-0.7;Growth:-0.4;Quality:-0.8;Size:+0.4;Momentum:+0.1;LowVol:+0.4,MaxPos7%;NoDerivatives;NoMargin,7,25,3.1,hard 10%,159,17.2,Volatile,26.1,3.85,4.0,153,-4,48,60,false,NoAction,Within bands; monitor,16,-23,BrokerA,VWAP,89,None,None,Normal monitoring,25,-33,124,4,false,Tighten stops on momentum names
P5311,Cautious,401k,USD,2025-01-22,578186,76092,502094,1.0,53.1,32.1,0.0,14.8,MSFT:24.2%;BND:28.7%;AAPL:28.7%;TLT:18.5%,US:66.2;EU:10.1;APAC:15.3;EM:5.0;Other:3.4,Value:-0.6;Growth:-0.8;Quality:+0.6;Size:-0.2;Momentum:+0.9;LowVol:-0.7,NoMargin,6,35,4.5,trailing 10%,122,14.0,Sideways,21.5,4.51,2.1,111,32,58,60,false,Sell,Trim extended winner -1%,13,-35,BrokerD,LMT,93,None,None,Normal monitoring,-52,-57,-29,5,false,Increase defensive factor exposure
P5312,Active,Taxable,USD,2024-07-12,604478,39242,565236,1.11,62.9,23.4,5.7,8.0,IEF:24.1%;XLF:17.9%;AAPL:24.1%;VOO:9.8%;VNQ:24.1%,US:68.6;EU:8.2;APAC:11.1;EM:7.9;Other:4.2,Value:-0.0;Growth:-0.5;Quality:-0.4;Size:-0.3;Momentum:-0.8;LowVol:-0.3,MaxPos8%,7,25,4.4,hard 12%,191,24.6,Bear,31.7,3.79,1.2,153,-119,5,75,true,Reduce,"Cut high-beta by 2-3%, add cash",-11,1,BrokerD,MKT,98,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,94,-37,202,2,false,Tighten stops on momentum names
P5313,Active,IRA,USD,2025-08-31,2427402,198568,2228834,1.0,64.7,29.8,0.0,5.5,TSLA:25.0%;XLF:25.0%;MSFT:25.0%;QQQ:25.0%,US:62.8;EU:13.9;APAC:6.3;EM:13.7;Other:3.2,Value:+0.2;Growth:-0.5;Quality:+0.7;Size:+0.1;Momentum:0.0;LowVol:+0.9,,7,25,5.2,hard 12%,187,17.2,Sideways,17.5,4.81,3.1,127,39,83,59,false,Sell,Trim extended winner -1%,-3,9,BrokerC,VWAP,94,None,None,Normal monitoring,-44,20,81,3,false,Increase defensive factor exposure
P5314,Hands-off,401k,USD,2025-09-06,509943,40774,469169,1.0,73.0,18.8,0.0,8.2,VOO:22.7%;GLD:9.1%;AAPL:22.7%;XLF:22.7%;IEF:22.7%,US:63.7;EU:11.7;APAC:14.2;EM:6.0;Other:4.3,Value:+0.6;Growth:+0.6;Quality:+0.7;Size:+0.1;Momentum:+0.9;LowVol:+0.3,ESGOnly;MaxPos5%,10,35,3.3,trailing 10%,164,14.3,Volatile,23.0,3.89,3.0,125,40,78,61,false,NoAction,Within bands; monitor,2,8,BrokerA,LMT,96,None,None,Normal monitoring,21,-42,4,5,false,Tighten stops on momentum names
P5315,Active,Taxable,USD,2025-08-12,1123754,134130,989624,1.0,63.9,20.1,7.1,8.9,MUB:15.6%;IEF:15.0%;BRK.B:22.3%;TSLA:11.5%;QQQ:22.3%;AMZN:13.3%,US:62.0;EU:15.3;APAC:7.4;EM:13.0;Other:2.4,Value:+0.8;Growth:+0.9;Quality:+0.5;Size:+0.9;Momentum:+0.2;LowVol:-1.0,,5,25,4.0,hard 12%,148,18.6,Bull,17.4,4.84,3.3,93,106,89,47,false,Sell,Trim extended winner -1%,34,0,BrokerC,LMT,98,None,None,Normal monitoring,45,-50,127,3,false,Increase defensive factor exposure
P5316,Opportunistic,Taxable,USD,2024-11-05,1017027,36938,980089,1.23,69.0,17.9,4.6,8.6,AAPL:13.1%;VTI:12.2%;HYG:17.3%;BND:23.5%;BRK.B:23.5%;TLT:10.3%,US:73.3;EU:5.3;APAC:12.0;EM:7.1;Other:2.3,Value:-0.1;Growth:+0.6;Quality:+0.9;Size:+0.7;Momentum:-0.3;LowVol:+0.5,MaxPos5%,10,35,5.1,hard 12%,274,21.8,Bull,17.9,4.54,2.5,71,112,100,58,true,Reduce,"Cut high-beta by 2-3%, add cash",6,-21,BrokerB,LMT,90,VAR>budget,Reduce,Risk above budget threshold,-52,-2,-4,3,false,Monitor dispersion and breadth
P5317,Active,Trust,USD,2025-05-05,2242156,254827,1987329,1.0,55.1,29.5,7.3,8.0,TSLA:9.1%;GLD:24.2%;VTI:24.2%;MSFT:10.3%;VNQ:15.5%;QQQ:16.7%,US:71.2;EU:8.3;APAC:8.1;EM:11.2;Other:1.3,Value:-0.9;Growth:+0.7;Quality:-0.2;Size:-0.8;Momentum:-0.3;LowVol:-0.5,MaxPos7%,7,25,4.0,hard 12%,127,17.2,Bear,33.1,3.53,3.0,186,-13,51,85,true,Hedge,Buy index puts 1% notional,29,-25,BrokerB,LMT,88,Drift>tolerance,Hedge,Allocation drift beyond policy bands,36,-49,63,2,true,Tax-aware sells next window
P5318,Systematic,Roth,USD,2025-03-10,965812,80586,885226,1.0,60.6,27.3,3.9,8.2,AMZN:14.6%;XLF:17.6%;GLD:15.1%;TLT:20.8%;BND:20.8%;HYG:11.1%,US:66.3;EU:9.0;APAC:9.6;EM:11.5;Other:3.6,Value:+0.6;Growth:+0.2;Quality:0.0;Size:-0.1;Momentum:+0.7;LowVol:+1.0,MaxPos6%,7,35,5.5,hard 12%,159,28.0,Bull,16.1,4.81,2.2,97,96,89,46,false,Hedge,Add TLT +1% as duration hedge,12,-8,BrokerB,MKT,85,None,None,Normal monitoring,13,-3,28,5,false,Increase defensive factor exposure
P5319,Cautious,Roth,USD,2025-09-29,269081,37188,231893,1.0,49.4,38.0,0.4,12.2,GLD:22.1%;TLT:18.7%;VOO:8.2%;HYG:20.1%;IEF:18.2%;VTI:12.7%,US:73.0;EU:11.9;APAC:7.7;EM:4.5;Other:2.9,Value:+0.5;Growth:+0.7;Quality:-0.1;Size:+0.9;Momentum:+0.2;LowVol:-0.4,MaxPos6%;NoMargin,7,30,5.3,trailing 8%,111,19.3,Volatile,29.5,4.48,2.9,116,32,51,73,true,Reduce,"Cut high-beta by 2-3%, add cash",-8,-24,BrokerB,LMT,87,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-53,9,68,3,false,Monitor dispersion and breadth
P5320,Opportunistic,Roth,USD,2025-08-05,1025048,51688,973360,1.0,63.8,14.3,17.8,4.1,MUB:22.8%;TSLA:22.8%;TLT:16.4%;VOO:18.9%;HYG:19.1%,US:59.3;EU:13.1;APAC:13.3;EM:11.1;Other:3.3,Value:+0.1;Growth:+0.4;Quality:+0.7;Size:+0.6;Momentum:+0.5;LowVol:+0.3,,7,30,5.3,trailing 7%,171,33.5,Sideways,15.2,4.21,2.6,90,45,63,46,true,Rebalance,Rebalance back to target bands,-1,12,BrokerD,VWAP,95,RegimeShift,Hedge,Volatility spike and breadth deterioration,62,20,123,4,false,Within IPS guidelines
P5321,Hands-off,Trust,USD,2025-11-10,426084,36192,389892,1.0,61.2,21.4,9.5,7.9,QQQ:33.3%;BRK.B:33.3%;VTI:33.3%,US:63.8;EU:15.7;APAC:9.9;EM:8.6;Other:2.0,Value:-0.9;Growth:-0.2;Quality:+0.1;Size:-0.4;Momentum:+0.7;LowVol:-0.3,MaxPos6%;NoDerivatives,6,30,5.7,trailing 10%,166,13.0,Volatile,29.8,5.47,4.0,110,-58,33,76,true,Hedge,Buy index puts 1% notional,-14,-22,BrokerB,MKT,91,RegimeShift,Reduce,Volatility spike and breadth deterioration,-49,-21,10,4,false,Monitor dispersion and breadth
P5322,Opportunistic,Roth,USD,2025-08-12,677653,45495,632158,1.0,73.6,20.0,2.0,4.4,VNQ:15.1%;GLD:20.7%;TLT:18.6%;AAPL:9.9%;IEF:20.7%;VOO:15.0%,US:66.2;EU:14.0;APAC:7.3;EM:11.0;Other:1.4,Value:0.0;Growth:+0.7;Quality:-0.8;Size:-0.2;Momentum:-1.0;LowVol:+0.8,,5,30,4.9,trailing 9%,246,23.8,Volatile,30.2,3.66,2.1,110,-5,44,80,true,Hedge,Buy index puts 1% notional,33,-34,BrokerD,VWAP,85,VAR>budget,Hedge,Risk above budget threshold,39,7,157,5,false,Within IPS guidelines
P5323,Opportunistic,401k,USD,2025-12-22,1305006,115101,1189905,1.0,76.8,10.2,7.0,5.9,XLF:21.1%;TSLA:20.2%;VOO:17.5%;BND:21.1%;VTI:20.2%,US:66.5;EU:13.4;APAC:9.5;EM:7.9;Other:2.7,Value:-0.4;Growth:-0.7;Quality:+0.1;Size:-0.5;Momentum:-0.5;LowVol:-0.8,,5,30,4.1,trailing 9%,215,20.2,Bull,11.8,4.07,3.4,86,26,76,47,false,Sell,Trim extended winner -1%,15,-12,BrokerC,VWAP,96,None,None,Normal monitoring,80,-39,53,4,false,Increase defensive factor exposure
P5324,Opportunistic,Taxable,USD,2025-09-29,1694435,150479,1543956,1.0,65.3,17.7,11.4,5.6,AMZN:21.8%;BRK.B:12.4%;GLD:9.4%;MUB:12.7%;VNQ:21.8%;IEF:21.8%,US:63.6;EU:14.0;APAC:11.2;EM:10.8;Other:0.3,Value:+0.2;Growth:-0.0;Quality:+0.6;Size:-0.6;Momentum:-0.2;LowVol:-0.4,,5,30,5.0,hard 12%,240,20.5,Sideways,20.3,4.91,2.5,95,9,47,62,false,Buy,Add to core equity +1%,35,-25,BrokerA,LMT,90,None,None,Normal monitoring,27,-27,122,5,false,Increase defensive factor exposure
P5325,Cautious,IRA,USD,2025-05-26,836063,82532,753531,1.0,39.0,42.8,2.6,15.5,BND:23.5%;AMZN:16.6%;GLD:19.8%;VNQ:23.5%;XLF:16.7%,US:66.2;EU:11.8;APAC:8.9;EM:8.8;Other:4.3,Value:+0.8;Growth:+0.8;Quality:-0.0;Size:+0.9;Momentum:+0.2;LowVol:-0.9,MaxPos7%;NoMargin,10,35,5.2,hard 10%,143,13.7,Volatile,30.5,4.49,4.2,125,-34,19,67,false,Sell,Trim extended winner -1%,13,-32,BrokerC,MKT,86,None,None,Normal monitoring,103,-59,101,5,false,Tax-aware sells next window
P5326,Hands-off,Taxable,USD,2024-12-09,348701,30959,317742,1.0,61.5,19.9,11.1,7.5,QQQ:33.3%;VTI:33.3%;GLD:33.3%,US:68.1;EU:10.2;APAC:10.9;EM:6.7;Other:4.0,Value:+0.6;Growth:+0.1;Quality:+0.2;Size:-0.1;Momentum:+0.6;LowVol:-1.0,,7,30,4.3,trailing 8%,106,12.9,Bear,27.6,4.06,1.2,206,-26,31,73,true,Hedge,Buy index puts 1% notional,6,-15,BrokerD,LMT,99,Drift>tolerance,Pause,Allocation drift beyond policy bands,62,-9,202,2,false,Within IPS guidelines
P5327,Cautious,Trust,USD,2024-11-23,817493,76910,740583,1.0,49.8,37.7,0.0,12.4,XLF:14.8%;MSFT:17.0%;QQQ:22.7%;BND:22.7%;VOO:22.7%,US:62.6;EU:12.0;APAC:10.7;EM:14.1;Other:0.6,Value:+0.2;Growth:-0.6;Quality:+0.4;Size:-0.8;Momentum:-0.6;LowVol:-0.2,NoMargin,7,25,4.5,hard 10%,146,19.6,Bear,29.9,3.85,2.6,169,-20,44,62,false,Buy,Add to core equity +1%,4,4,BrokerA,MKT,99,None,None,Normal monitoring,-28,-34,-38,5,false,Monitor dispersion and breadth
P5328,Cautious,Trust,USD,2024-10-14,610566,64318,546248,1.0,35.0,37.5,16.2,11.3,MSFT:21.2%;TLT:14.2%;MUB:11.6%;AMZN:22.1%;QQQ:22.1%;VTI:8.7%,US:74.2;EU:9.1;APAC:8.4;EM:7.9;Other:0.2,Value:-0.1;Growth:+1.0;Quality:-0.0;Size:-0.1;Momentum:-0.4;LowVol:+0.1,MaxPos8%;NoMargin,7,30,5.0,trailing 8%,148,12.8,Volatile,25.0,4.92,4.4,174,-25,36,43,true,Hedge,Buy index puts 1% notional,-5,6,BrokerC,MKT,96,RegimeShift,Hedge,Volatility spike and breadth deterioration,102,-7,236,2,false,Monitor dispersion and breadth
P5329,Hands-off,401k,USD,2025-06-20,475074,31804,443270,1.0,70.6,21.5,0.0,8.0,HYG:28.2%;MSFT:16.3%;IEF:27.4%;XLF:28.2%,US:61.6;EU:9.5;APAC:13.6;EM:10.3;Other:5.0,Value:-1.0;Growth:-0.5;Quality:+0.2;Size:-0.1;Momentum:+0.3;LowVol:0.0,MaxPos8%,8,30,3.9,trailing 10%,165,12.8,Bear,29.7,3.71,1.3,178,-66,12,76,true,Rebalance,Rebalance back to target bands,-7,-20,BrokerD,LMT,96,RegimeShift,TightenStops,Volatility spike and breadth deterioration,17,0,99,2,false,Tighten stops on momentum names
P5330,Opportunistic,IRA,USD,2025-10-08,564414,29030,535384,1.0,67.8,17.1,7.7,7.3,BRK.B:17.7%;BND:15.9%;TSLA:12.9%;IEF:20.7%;AAPL:14.4%;XLF:18.6%,US:71.4;EU:5.5;APAC:12.8;EM:7.1;Other:3.3,Value:-1.0;Growth:-0.1;Quality:+0.9;Size:-0.5;Momentum:-0.8;LowVol:-0.0,,6,25,5.2,hard 12%,174,21.2,Bull,12.3,4.42,3.5,114,66,81,41,false,Rebalance,Shift +1% to bonds from equity,23,15,BrokerD,MKT,96,None,None,Normal monitoring,52,-13,129,5,false,Tax-aware sells next window
P5331,Active,Roth,USD,2024-12-06,1107367,109185,998182,1.0,60.8,25.8,6.7,6.7,AMZN:22.9%;BRK.B:22.9%;XLF:21.3%;IEF:22.0%;BND:10.9%,US:60.0;EU:11.5;APAC:15.5;EM:12.9;Other:0.1,Value:+0.6;Growth:0.0;Quality:0.0;Size:-0.2;Momentum:+0.8;LowVol:+0.9,,10,35,4.5,trailing 9%,210,23.3,Bull,11.5,4.41,3.4,120,24,67,40,false,Buy,Add to core equity +1%,-5,-6,BrokerC,VWAP,85,None,None,Normal monitoring,32,-6,132,4,false,Increase defensive factor exposure
P5332,Active,IRA,USD,2025-04-04,2029625,176807,1852818,1.0,57.8,26.3,7.6,8.3,AMZN:33.3%;BND:36.1%;VOO:30.5%,US:78.8;EU:5.4;APAC:6.9;EM:6.3;Other:2.6,Value:-0.3;Growth:-0.9;Quality:+0.9;Size:+0.3;Momentum:-0.1;LowVol:+0.5,,8,35,5.8,trailing 8%,126,17.0,Volatile,23.7,5.4,4.2,136,47,81,64,false,Buy,Add to core equity +1%,-2,-28,BrokerA,VWAP,96,None,None,Normal monitoring,117,-55,117,4,false,Within IPS guidelines
P5333,Hands-off,Trust,USD,2025-09-03,701728,33953,667775,1.0,73.2,17.4,2.6,6.9,XLF:22.7%;AMZN:11.5%;VTI:22.7%;IEF:7.1%;BND:22.7%;TSLA:13.4%,US:69.7;EU:16.8;APAC:6.6;EM:4.6;Other:2.2,Value:+0.1;Growth:+0.6;Quality:-0.5;Size:-0.6;Momentum:-0.8;LowVol:-0.5,ESGOnly;MaxPos5%,10,30,4.7,trailing 8%,93,19.3,Sideways,20.7,4.84,3.0,127,-6,47,61,false,Sell,Trim extended winner -1%,31,-4,BrokerD,VWAP,87,None,None,Normal monitoring,0,-40,70,5,false,Tighten stops on momentum names
P5334,Systematic,Taxable,USD,2025-07-23,1643590,163965,1479625,1.0,67.9,24.0,0.0,8.1,AMZN:22.8%;IEF:15.0%;BND:16.6%;VTI:22.8%;MSFT:22.8%,US:68.8;EU:17.1;APAC:6.4;EM:6.6;Other:1.2,Value:-0.1;Growth:-0.5;Quality:-0.4;Size:-0.9;Momentum:-0.8;LowVol:-0.2,NoDerivatives,10,35,5.4,trailing 9%,128,19.8,Sideways,16.7,4.77,3.2,134,40,74,44,false,Rebalance,Shift +1% to bonds from equity,22,-6,BrokerC,LMT,97,None,None,Normal monitoring,41,-14,74,5,false,Within IPS guidelines
P5335,Active,IRA,USD,2024-10-07,2308110,274058,2034052,1.0,55.4,29.6,7.8,7.2,TLT:23.1%;VTI:28.9%;HYG:28.9%;QQQ:19.0%,US:58.8;EU:16.5;APAC:14.2;EM:7.1;Other:3.5,Value:+0.9;Growth:+0.6;Quality:-0.1;Size:-0.8;Momentum:-0.3;LowVol:+0.7,MaxPos6%,7,35,4.5,trailing 8%,191,20.7,Bull,16.4,3.64,3.4,97,41,68,39,false,Rebalance,Shift +1% to bonds from equity,20,-28,BrokerA,MKT,87,None,None,Normal monitoring,67,5,57,4,false,Increase defensive factor exposure
P5336,Active,401k,USD,2024-12-30,2358753,282191,2076562,1.13,62.9,29.1,0.0,8.0,HYG:22.3%;VNQ:20.4%;TSLA:22.3%;AMZN:12.8%;GLD:22.3%,US:59.4;EU:18.0;APAC:13.7;EM:4.4;Other:4.5,Value:-0.4;Growth:-0.6;Quality:-0.6;Size:+0.5;Momentum:-0.3;LowVol:-0.7,NoDerivatives,5,25,6.0,trailing 8%,156,19.1,Bull,14.6,4.89,2.7,106,99,100,43,false,NoAction,Within bands; monitor,34,-7,BrokerC,LMT,91,None,None,Normal monitoring,4,-25,116,5,false,Tax-aware sells next window
P5337,Cautious,Taxable,USD,2025-01-12,339612,47435,292177,1.0,35.7,32.5,15.3,16.5,GLD:15.9%;QQQ:23.3%;VNQ:18.7%;MUB:23.3%;IEF:18.7%,US:58.2;EU:20.6;APAC:9.9;EM:6.2;Other:5.2,Value:+0.1;Growth:+0.6;Quality:+1.0;Size:+0.6;Momentum:-0.9;LowVol:+0.6,ESGOnly;NoMargin,6,30,5.1,hard 10%,101,19.2,Bear,29.2,3.02,1.6,186,-100,10,62,false,Hedge,Add TLT +1% as duration hedge,19,-38,BrokerA,MKT,85,None,None,Normal monitoring,114,-45,100,5,false,Monitor dispersion and breadth
P5338,Cautious,Trust,USD,2025-10-15,708195,72495,635700,1.0,50.7,31.0,7.9,10.4,AAPL:16.6%;GLD:16.2%;QQQ:18.5%;BND:15.3%;IEF:20.0%;VOO:13.4%,US:62.6;EU:12.1;APAC:13.0;EM:10.4;Other:1.9,Value:+0.3;Growth:+0.2;Quality:+0.2;Size:-0.9;Momentum:+0.7;LowVol:-0.3,ESGOnly;NoMargin,7,30,5.0,trailing 10%,105,12.3,Bull,14.8,3.51,2.3,78,39,71,37,true,Hedge,Buy index puts 1% notional,-9,-7,BrokerC,MKT,90,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-49,-22,-4,2,false,Monitor dispersion and breadth
P5339,Hands-off,IRA,USD,2025-10-17,756241,43894,712347,1.0,58.6,29.7,3.1,8.6,BRK.B:21.6%;HYG:17.9%;BND:21.6%;VOO:17.8%;GLD:21.1%,US:67.4;EU:7.5;APAC:6.9;EM:12.8;Other:5.4,Value:+0.6;Growth:+0.1;Quality:-0.5;Size:-0.9;Momentum:+0.8;LowVol:-0.5,MaxPos7%,10,25,5.1,trailing 8%,101,16.2,Sideways,16.2,4.09,2.4,111,-24,42,57,false,Sell,Trim extended winner -1%,15,-38,BrokerC,MKT,94,None,None,Normal monitoring,111,-55,91,4,false,Monitor dispersion and breadth
P5340,Opportunistic,401k,USD,2025-03-13,1490841,114906,1375935,1.0,73.6,14.3,6.5,5.6,GLD:25.0%;IEF:25.0%;QQQ:25.0%;AAPL:25.0%,US:62.7;EU:14.5;APAC:10.3;EM:8.9;Other:3.6,Value:-0.9;Growth:+0.5;Quality:-0.7;Size:+0.5;Momentum:-0.2;LowVol:+0.1,MaxPos6%;NoDerivatives,6,30,4.1,hard 12%,167,27.4,Volatile,24.9,4.14,4.1,135,-5,32,77,true,Hedge,Buy index puts 1% notional,0,8,BrokerA,VWAP,100,Drift>tolerance,Hedge,Allocation drift beyond policy bands,86,-41,95,2,true,Monitor dispersion and breadth
P5341,Systematic,Taxable,USD,2025-11-19,867919,52384,815535,1.0,66.9,22.3,3.1,7.7,MUB:15.6%;TLT:28.1%;VOO:28.1%;HYG:28.1%,US:71.6;EU:10.4;APAC:13.6;EM:3.6;Other:0.8,Value:-0.4;Growth:-0.6;Quality:-0.7;Size:0.0;Momentum:-0.4;LowVol:-0.9,,5,25,4.3,trailing 9%,148,26.3,Sideways,15.1,5.0,2.5,125,18,61,59,false,Buy,Add to core equity +1%,-11,6,BrokerC,VWAP,89,None,None,Normal monitoring,112,10,115,5,false,Tighten stops on momentum names
P5342,Hands-off,401k,USD,2025-07-28,460577,40479,420098,1.0,59.8,28.8,6.1,5.3,VTI:23.3%;HYG:15.9%;VNQ:23.3%;QQQ:14.3%;IEF:23.3%,US:64.6;EU:13.6;APAC:8.6;EM:8.8;Other:4.4,Value:+0.9;Growth:+0.8;Quality:+0.4;Size:+0.7;Momentum:+0.4;LowVol:+0.6,ESGOnly;MaxPos8%,8,25,5.8,hard 10%,126,17.8,Bear,25.6,3.23,1.4,213,-84,11,62,false,Buy,Add to core equity +1%,1,-15,BrokerD,MKT,87,None,None,Normal monitoring,63,20,51,3,false,Increase defensive factor exposure
P5343,Hands-off,Taxable,USD,2025-11-06,335963,22469,313494,1.0,68.4,26.1,0.0,5.5,BND:16.6%;HYG:17.5%;AMZN:21.5%;AAPL:21.5%;XLF:14.2%;IEF:8.8%,US:72.4;EU:5.7;APAC:8.0;EM:10.1;Other:3.8,Value:-0.8;Growth:+0.3;Quality:-0.8;Size:-0.0;Momentum:-0.9;LowVol:+0.2,MaxPos6%,8,25,6.0,trailing 8%,161,17.1,Bull,11.8,4.03,2.9,95,113,100,49,false,Hedge,Add TLT +1% as duration hedge,10,6,BrokerD,MKT,94,None,None,Normal monitoring,42,-56,16,4,false,Tighten stops on momentum names
P5344,Systematic,Roth,USD,2025-01-14,570150,45455,524695,1.0,59.7,31.1,0.0,9.2,HYG:26.0%;TSLA:26.0%;AMZN:13.6%;BRK.B:26.0%;AAPL:8.5%,US:69.6;EU:5.8;APAC:11.7;EM:8.5;Other:4.5,Value:-0.1;Growth:-0.1;Quality:-0.6;Size:+0.4;Momentum:-0.9;LowVol:+1.0,MaxPos6%,5,35,4.3,trailing 9%,142,16.5,Sideways,21.0,3.99,2.9,120,4,38,60,false,Hedge,Add TLT +1% as duration hedge,34,-15,BrokerA,LMT,89,None,None,Normal monitoring,-15,-44,35,4,false,Monitor dispersion and breadth
P5345,Active,Trust,USD,2025-11-05,2333506,236452,2097054,1.14,58.7,30.5,2.6,8.2,BRK.B:12.1%;IEF:20.8%;TSLA:15.4%;VTI:15.4%;AMZN:15.4%;VOO:20.8%,US:63.8;EU:15.0;APAC:9.5;EM:9.9;Other:1.8,Value:-0.4;Growth:-0.3;Quality:+0.8;Size:+0.5;Momentum:-0.3;LowVol:+0.2,,10,30,5.8,trailing 9%,136,19.6,Bull,16.4,3.93,2.3,98,91,88,57,false,Sell,Trim extended winner -1%,14,-31,BrokerB,LMT,98,None,None,Normal monitoring,65,-39,167,5,false,Tax-aware sells next window
P5346,Active,Roth,USD,2025-04-14,607644,66622,541022,1.0,54.0,31.0,7.0,7.9,MSFT:13.2%;XLF:13.3%;AMZN:20.1%;TSLA:21.2%;VOO:21.2%;TLT:10.9%,US:67.4;EU:11.5;APAC:10.0;EM:7.0;Other:4.0,Value:+0.3;Growth:+0.9;Quality:+0.3;Size:+0.9;Momentum:-0.8;LowVol:+0.4,,7,25,5.7,trailing 9%,147,18.1,Sideways,14.6,3.85,3.5,111,40,70,41,false,Buy,Add to core equity +1%,21,-25,BrokerA,LMT,90,None,None,Normal monitoring,51,8,190,3,false,Within IPS guidelines
P5347,Systematic,Roth,USD,2025-09-06,1472981,117915,1355066,1.0,55.2,23.2,11.8,9.8,TSLA:14.1%;VOO:22.2%;QQQ:22.2%;VTI:20.5%;AAPL:21.0%,US:62.6;EU:20.4;APAC:8.0;EM:3.7;Other:5.2,Value:-0.4;Growth:+0.5;Quality:-0.7;Size:-0.9;Momentum:-0.9;LowVol:+0.2,MaxPos5%;NoDerivatives,8,35,4.7,trailing 8%,121,27.2,Volatile,24.6,3.76,2.0,163,27,61,60,false,Rebalance,Shift +1% to bonds from equity,1,0,BrokerB,LMT,98,None,None,Normal monitoring,23,-10,17,5,false,Tighten stops on momentum names
P5348,Hands-off,401k,USD,2025-08-13,792500,71178,721322,1.0,63.4,17.0,14.5,5.0,XLF:8.4%;HYG:17.0%;AMZN:22.1%;MSFT:15.1%;VTI:20.2%;VNQ:17.3%,US:66.9;EU:16.0;APAC:9.9;EM:6.0;Other:1.1,Value:-0.8;Growth:-0.3;Quality:-0.7;Size:-0.5;Momentum:-0.5;LowVol:-0.3,,5,25,4.7,trailing 8%,152,18.3,Bull,13.1,3.96,2.0,92,115,100,41,true,Hedge,Buy index puts 1% notional,18,6,BrokerD,MKT,88,Drift>tolerance,Hedge,Allocation drift beyond policy bands,117,-46,112,2,true,Within IPS guidelines
P5349,Systematic,IRA,USD,2025-05-18,493940,43000,450940,1.0,60.9,32.0,0.0,7.1,TLT:23.7%;GLD:23.7%;XLF:10.7%;TSLA:19.3%;AAPL:22.7%,US:70.2;EU:6.0;APAC:7.7;EM:11.9;Other:4.2,Value:+1.0;Growth:+0.8;Quality:+0.2;Size:-0.9;Momentum:+0.4;LowVol:+0.5,NoDerivatives,7,35,4.6,trailing 8%,129,19.8,Bull,15.3,3.65,2.9,82,84,96,43,false,Hedge,Add TLT +1% as duration hedge,21,-9,BrokerB,MKT,93,None,None,Normal monitoring,44,-33,133,4,false,Monitor dispersion and breadth
P5350,Opportunistic,Taxable,USD,2024-09-14,1779390,93801,1685589,1.0,60.6,19.2,12.3,7.9,GLD:23.5%;VNQ:23.5%;AMZN:15.5%;TSLA:23.5%;TLT:13.9%,US:64.4;EU:15.0;APAC:9.7;EM:9.0;Other:1.9,Value:-0.2;Growth:+0.7;Quality:-0.3;Size:-0.1;Momentum:-0.8;LowVol:+0.2,MaxPos8%;NoDerivatives,8,25,6.5,trailing 7%,246,32.6,Bull,12.7,4.36,2.4,94,10,43,45,false,Rebalance,Shift +1% to bonds from equity,-15,14,BrokerD,LMT,86,None,None,Normal monitoring,40,-14,165,5,false,Within IPS guidelines
P5351,Cautious,Roth,USD,2024-11-30,460757,70717,390040,1.0,36.2,34.4,19.0,10.5,GLD:21.4%;MUB:14.3%;TSLA:12.2%;VOO:14.3%;IEF:21.4%;BRK.B:16.5%,US:74.9;EU:5.9;APAC:9.9;EM:4.5;Other:4.8,Value:+0.1;Growth:0.0;Quality:-0.6;Size:+0.8;Momentum:+0.1;LowVol:+0.3,ESGOnly;MaxPos7%;NoDerivatives;NoMargin,6,35,3.5,trailing 8%,157,16.9,Sideways,16.2,4.51,3.0,111,3,36,44,false,Sell,Trim extended winner -1%,-4,-19,BrokerB,MKT,97,None,None,Normal monitoring,-59,-5,-50,3,false,Monitor dispersion and breadth
P5352,Systematic,401k,USD,2025-10-06,1045149,47408,997741,1.0,58.0,31.0,3.9,7.1,IEF:33.3%;HYG:33.3%;XLF:33.3%,US:62.8;EU:16.8;APAC:9.6;EM:9.4;Other:1.3,Value:-0.7;Growth:+0.3;Quality:+0.8;Size:+0.3;Momentum:+0.5;LowVol:+0.4,,8,30,4.9,hard 12%,180,24.8,Bear,34.1,3.94,1.5,196,-55,14,76,true,Hedge,Buy index puts 1% notional,-13,-8,BrokerD,LMT,86,VAR>budget,Reduce,Risk above budget threshold,7,-60,99,3,false,Tighten stops on momentum names
P5353,Opportunistic,Trust,USD,2025-04-25,568532,34994,533538,1.19,69.4,20.6,4.4,5.6,GLD:21.6%;MUB:20.2%;TSLA:18.5%;IEF:18.1%;AAPL:21.6%,US:68.0;EU:12.2;APAC:10.6;EM:5.8;Other:3.4,Value:0.0;Growth:-0.3;Quality:-0.6;Size:+0.8;Momentum:+1.0;LowVol:+1.0,,7,35,4.2,hard 12%,222,33.4,Sideways,18.3,4.92,2.9,138,24,49,60,false,Rebalance,Shift +1% to bonds from equity,12,1,BrokerB,LMT,86,None,None,Normal monitoring,75,-37,97,4,false,Tighten stops on momentum names
P5354,Hands-off,Trust,USD,2025-03-20,288266,17041,271225,1.0,70.3,15.8,4.2,9.7,QQQ:33.3%;AMZN:33.3%;VOO:33.3%,US:65.6;EU:17.0;APAC:12.6;EM:4.8;Other:0.0,Value:+0.4;Growth:-0.7;Quality:+0.4;Size:+0.1;Momentum:-0.8;LowVol:-0.7,MaxPos6%,8,30,5.5,trailing 8%,96,19.5,Volatile,29.6,4.16,4.3,135,-51,21,85,true,Reduce,"Cut high-beta by 2-3%, add cash",17,-2,BrokerA,LMT,92,Drift>tolerance,Reduce,Allocation drift beyond policy bands,56,12,89,2,false,Within IPS guidelines
P5355,Active,IRA,USD,2025-10-02,1096662,96256,1000406,1.0,66.6,26.5,0.0,6.9,GLD:17.1%;QQQ:29.9%;IEF:23.0%;AAPL:29.9%,US:54.6;EU:21.3;APAC:14.6;EM:4.4;Other:5.2,Value:-0.8;Growth:+0.1;Quality:+0.9;Size:-0.0;Momentum:-0.9;LowVol:-0.6,MaxPos6%;NoDerivatives,8,35,5.3,hard 12%,195,24.7,Volatile,24.9,3.62,4.1,171,-32,36,74,true,Hedge,Buy index puts 1% notional,3,-36,BrokerB,MKT,94,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,119,-28,150,2,false,Monitor dispersion and breadth
P5356,Opportunistic,Trust,USD,2024-11-05,1198070,76648,1121422,1.0,75.0,19.6,0.9,4.5,AAPL:22.4%;IEF:22.4%;MUB:22.3%;TLT:22.4%;BRK.B:10.4%,US:70.2;EU:9.8;APAC:11.4;EM:5.1;Other:3.4,Value:-0.6;Growth:-0.7;Quality:-0.9;Size:-0.4;Momentum:+0.8;LowVol:-0.5,MaxPos7%;NoDerivatives,6,35,5.9,trailing 9%,198,22.7,Bull,13.6,3.84,3.0,75,79,75,49,false,Sell,Trim extended winner -1%,-15,-19,BrokerA,MKT,100,None,None,Normal monitoring,93,8,211,5,false,Monitor dispersion and breadth
P5357,Hands-off,IRA,USD,2025-10-14,399032,29518,369514,1.0,67.6,26.4,0.0,6.0,GLD:9.0%;TLT:21.7%;AMZN:14.6%;VOO:21.7%;AAPL:18.8%;BRK.B:14.2%,US:78.1;EU:5.8;APAC:6.2;EM:4.8;Other:5.1,Value:-0.6;Growth:-0.6;Quality:-0.2;Size:-0.7;Momentum:-1.0;LowVol:+0.7,ESGOnly;NoDerivatives,6,25,4.0,hard 10%,145,13.4,Sideways,17.8,3.62,2.5,93,5,44,48,false,Rebalance,Shift +1% to bonds from equity,-9,-36,BrokerC,VWAP,98,None,None,Normal monitoring,-60,-27,-42,5,false,Within IPS guidelines
P5358,Active,Taxable,USD,2024-11-30,2277633,137458,2140175,1.09,57.0,23.3,13.8,5.9,IEF:21.1%;AMZN:23.8%;VTI:12.1%;TLT:19.2%;BRK.B:23.8%,US:65.0;EU:11.3;APAC:11.0;EM:8.4;Other:4.4,Value:+0.2;Growth:+0.6;Quality:+0.5;Size:+0.2;Momentum:-0.9;LowVol:-0.5,NoDerivatives,5,25,5.0,trailing 9%,164,22.7,Bull,13.0,4.3,2.7,76,9,41,46,false,Hedge,Add TLT +1% as duration hedge,4,-27,BrokerB,LMT,87,None,None,Normal monitoring,84,-16,183,5,false,Tax-aware sells next window
P5359,Systematic,Roth,USD,2024-12-11,711588,48981,662607,1.0,63.0,20.4,10.2,6.4,TLT:14.0%;VTI:10.2%;AMZN:14.9%;VNQ:20.2%;BRK.B:20.5%;XLF:20.3%,US:63.9;EU:11.8;APAC:7.0;EM:12.1;Other:5.2,Value:-0.0;Growth:+0.3;Quality:+0.3;Size:-1.0;Momentum:-0.1;LowVol:0.0,MaxPos7%,5,35,5.2,trailing 8%,218,25.7,Bear,33.9,3.64,2.9,160,-59,25,92,true,Rebalance,Rebalance back to target bands,20,-27,BrokerD,VWAP,100,RegimeShift,Hedge,Volatility spike and breadth deterioration,84,-49,103,5,false,Tax-aware sells next window
P5360,Systematic,Roth,USD,2025-12-20,1138201,87973,1050228,1.0,69.0,23.1,0.0,7.8,HYG:16.8%;QQQ:27.7%;IEF:27.7%;TSLA:27.7%,US:73.1;EU:11.5;APAC:6.2;EM:7.9;Other:1.3,Value:-0.7;Growth:0.0;Quality:-0.7;Size:+0.3;Momentum:-0.3;LowVol:+0.3,NoDerivatives,6,25,5.5,trailing 8%,120,23.4,Sideways,19.7,3.94,2.5,130,58,83,53,false,Rebalance,Shift +1% to bonds from equity,-5,14,BrokerA,VWAP,85,None,None,Normal monitoring,100,16,64,4,false,Tighten stops on momentum names
P5361,Active,401k,USD,2024-11-28,2015778,217627,1798151,1.16,53.3,26.3,10.9,9.5,GLD:16.5%;AAPL:25.1%;MUB:18.2%;VTI:15.1%;TSLA:25.1%,US:66.9;EU:7.7;APAC:14.6;EM:9.8;Other:0.9,Value:-0.9;Growth:-0.2;Quality:-0.9;Size:+0.1;Momentum:-0.7;LowVol:-0.2,MaxPos5%,8,35,4.3,hard 12%,158,27.5,Bull,11.8,4.23,2.3,82,71,77,35,false,Rebalance,Shift +1% to bonds from equity,2,-37,BrokerB,LMT,89,None,None,Normal monitoring,-38,9,-50,3,false,Monitor dispersion and breadth
P5362,Opportunistic,Trust,USD,2024-08-23,1239984,44389,1195595,1.1,74.1,18.2,0.0,7.7,GLD:16.0%;VOO:16.2%;TSLA:15.0%;BND:20.3%;VNQ:12.0%;AAPL:20.3%,US:64.6;EU:11.9;APAC:13.9;EM:5.4;Other:4.1,Value:-0.8;Growth:-0.8;Quality:+0.9;Size:-0.2;Momentum:-0.5;LowVol:-0.5,,10,25,5.9,trailing 7%,166,34.2,Bull,12.1,3.69,2.1,102,29,67,51,true,Hedge,Buy index puts 1% notional,15,5,BrokerB,MKT,98,Drift>tolerance,Hedge,Allocation drift beyond policy bands,90,-51,111,5,false,Increase defensive factor exposure
P5363,Opportunistic,Taxable,USD,2024-07-24,1231194,39575,1191619,1.0,77.6,14.9,1.1,6.4,BRK.B:28.5%;MSFT:35.8%;VNQ:35.8%,US:70.1;EU:13.7;APAC:5.5;EM:9.4;Other:1.3,Value:-0.4;Growth:-0.6;Quality:-0.3;Size:+0.8;Momentum:+0.1;LowVol:-0.6,NoDerivatives,7,35,4.2,trailing 7%,209,26.2,Bear,28.8,4.47,1.0,173,17,59,77,true,Hedge,Buy index puts 1% notional,-7,-18,BrokerA,LMT,97,Drift>tolerance,Hedge,Allocation drift beyond policy bands,95,-27,95,3,false,Monitor dispersion and breadth
P5364,Hands-off,Trust,USD,2024-11-25,222293,22011,200282,1.0,63.8,17.9,9.6,8.7,TLT:34.8%;QQQ:30.4%;BND:34.8%,US:61.6;EU:18.7;APAC:12.9;EM:5.1;Other:1.7,Value:-0.1;Growth:-0.7;Quality:-0.1;Size:+0.9;Momentum:+0.2;LowVol:-0.8,,5,25,4.2,trailing 8%,132,19.3,Volatile,30.6,4.88,2.3,110,57,86,78,true,Reduce,"Cut high-beta by 2-3%, add cash",28,4,BrokerC,LMT,97,VAR>budget,Hedge,Risk above budget threshold,54,-40,41,5,false,Tax-aware sells next window
P5365,Hands-off,401k,USD,2025-03-05,267216,20703,246513,1.0,57.0,22.8,12.3,8.0,QQQ:33.3%;XLF:33.3%;TLT:33.3%,US:68.3;EU:10.9;APAC:9.9;EM:7.9;Other:3.0,Value:+0.9;Growth:+0.1;Quality:-0.6;Size:+0.9;Momentum:0.0;LowVol:-0.4,ESGOnly,10,35,4.5,hard 10%,151,16.4,Bear,27.5,3.51,2.7,192,1,39,66,false,Hedge,Add TLT +1% as duration hedge,9,6,BrokerD,VWAP,97,None,None,Normal monitoring,35,-28,156,5,false,Increase defensive factor exposure
P5366,Active,Taxable,USD,2025-06-15,1483237,130291,1352946,1.0,63.9,28.5,1.0,6.5,XLF:8.7%;BND:22.5%;BRK.B:22.9%;VNQ:22.9%;TLT:22.9%,US:68.4;EU:11.9;APAC:9.4;EM:10.2;Other:0.1,Value:+0.5;Growth:-0.8;Quality:+0.1;Size:+0.8;Momentum:+0.9;LowVol:+0.5,MaxPos5%,6,25,5.8,trailing 8%,133,26.0,Bull,14.1,3.56,3.2,88,109,100,48,false,NoAction,Within bands; monitor,10,-28,BrokerB,MKT,0,None,None,Normal monitoring,1,15,107,3,false,Within IPS guidelines
P5367,Cautious,Taxable,USD,2025-10-24,397094,51992,345102,1.0,38.0,35.8,11.6,14.5,VOO:14.6%;XLF:21.4%;HYG:18.0%;VTI:13.2%;MUB:11.4%;QQQ:21.4%,US:61.7;EU:15.7;APAC:12.6;EM:7.1;Other:2.9,Value:+0.2;Growth:+0.2;Quality:-0.8;Size:-0.4;Momentum:+0.1;LowVol:+0.1,MaxPos5%;NoDerivatives;NoMargin,8,30,3.4,trailing 8%,118,16.6,Bear,27.4,4.31,1.4,135,-89,5,49,false,Rebalance,Shift +1% to bonds from equity,-12,-8,BrokerB,VWAP,93,None,None,Normal monitoring,53,18,162,3,false,Monitor dispersion and breadth
P5368,Cautious,401k,USD,2025-12-03,798145,84785,713360,1.0,38.2,42.0,3.6,16.2,TLT:33.3%;AAPL:33.3%;TSLA:33.3%,US:66.8;EU:16.9;APAC:6.9;EM:5.5;Other:4.0,Value:-0.3;Growth:-0.2;Quality:+0.5;Size:-0.6;Momentum:+0.3;LowVol:+0.6,MaxPos5%;NoMargin,10,35,4.0,trailing 10%,126,12.1,Volatile,29.5,5.47,4.4,163,16,51,65,false,NoAction,Within bands; monitor,-12,-10,BrokerB,MKT,0,None,None,Normal monitoring,7,-18,15,4,false,Within IPS guidelines
P5369,Cautious,IRA,USD,2025-02-01,811255,78944,732311,1.0,49.1,40.0,0.0,11.0,IEF:22.7%;AAPL:14.8%;BRK.B:22.7%;VOO:11.5%;GLD:19.8%;VNQ:8.5%,US:60.4;EU:14.7;APAC:12.7;EM:10.6;Other:1.6,Value:+0.5;Growth:-0.2;Quality:-0.6;Size:+0.9;Momentum:-0.5;LowVol:-0.7,NoMargin,5,30,4.2,trailing 10%,122,15.4,Bear,31.2,4.06,1.1,153,-41,19,67,false,Buy,Add to core equity +1%,-6,1,BrokerB,MKT,92,None,None,Normal monitoring,34,-9,120,4,false,Tax-aware sells next window
P5370,Cautious,IRA,USD,2024-12-20,311757,41771,269986,1.0,45.0,34.3,10.3,10.4,VTI:22.1%;VNQ:22.1%;MSFT:22.1%;AMZN:18.0%;BRK.B:15.5%,US:68.3;EU:13.4;APAC:5.7;EM:9.1;Other:3.5,Value:-0.3;Growth:-0.2;Quality:-0.5;Size:+0.4;Momentum:-0.6;LowVol:+0.1,ESGOnly;MaxPos7%;NoMargin,7,30,3.3,trailing 8%,170,17.1,Bull,11.6,4.03,3.2,75,81,75,33,false,Hedge,Add TLT +1% as duration hedge,29,-37,BrokerB,LMT,85,None,None,Normal monitoring,0,-35,-31,3,false,Tax-aware sells next window
P5371,Cautious,401k,USD,2025-07-09,234012,22285,211727,1.0,37.0,30.9,17.4,14.6,VTI:23.1%;TSLA:10.1%;BND:21.5%;VNQ:23.1%;AAPL:12.0%;QQQ:10.2%,US:60.1;EU:17.3;APAC:10.5;EM:7.9;Other:4.3,Value:+0.1;Growth:-0.4;Quality:-0.0;Size:-0.3;Momentum:+0.7;LowVol:-0.8,ESGOnly;NoMargin,10,35,5.0,trailing 8%,143,14.9,Volatile,23.1,5.22,3.6,111,36,57,41,false,Sell,Trim extended winner -1%,25,10,BrokerA,LMT,87,None,None,Normal monitoring,-14,-26,-6,5,false,Tighten stops on momentum names
P5372,Active,Roth,USD,2025-06-28,1310494,106560,1203934,1.0,65.6,20.6,6.6,7.3,HYG:33.3%;AMZN:33.3%;MUB:33.3%,US:57.4;EU:15.6;APAC:14.5;EM:9.9;Other:2.5,Value:-0.5;Growth:-0.3;Quality:-0.8;Size:+1.0;Momentum:+0.2;LowVol:+0.4,,5,25,4.8,trailing 8%,222,25.1,Volatile,22.4,4.74,2.5,165,-21,31,67,false,Rebalance,Shift +1% to bonds from equity,3,-7,BrokerC,LMT,86,None,None,Normal monitoring,80,-52,145,4,false,Tighten stops on momentum names
P5373,Opportunistic,Trust,USD,2025-11-07,1048385,89991,958394,1.19,64.4,13.8,13.0,8.8,BND:33.3%;VOO:33.3%;VNQ:33.3%,US:67.4;EU:8.3;APAC:12.5;EM:8.3;Other:3.5,Value:+0.9;Growth:+0.9;Quality:-0.7;Size:+0.1;Momentum:+0.1;LowVol:+1.0,MaxPos6%;NoDerivatives,8,35,6.0,hard 12%,254,24.8,Bull,11.5,4.3,2.8,84,83,100,32,false,Rebalance,Shift +1% to bonds from equity,14,-24,BrokerD,MKT,86,None,None,Normal monitoring,69,-1,207,3,false,Tax-aware sells next window
P5374,Cautious,IRA,USD,2025-02-13,837996,116288,721708,1.0,35.1,43.0,10.2,11.7,MUB:27.9%;XLF:16.6%;MSFT:27.9%;QQQ:27.6%,US:74.4;EU:10.4;APAC:5.0;EM:7.8;Other:2.4,Value:+0.6;Growth:+0.9;Quality:-1.0;Size:-0.6;Momentum:-0.1;LowVol:+0.3,MaxPos8%;NoMargin,5,35,4.4,trailing 10%,160,18.1,Sideways,15.9,3.78,3.3,92,12,68,37,false,Sell,Trim extended winner -1%,25,-13,BrokerD,MKT,100,None,None,Normal monitoring,27,-11,31,4,false,Increase defensive factor exposure
P5375,Opportunistic,Trust,USD,2024-10-28,404656,31038,373618,1.0,67.1,10.8,13.3,8.7,AAPL:16.8%;MUB:9.6%;HYG:21.8%;QQQ:21.8%;VTI:16.1%;GLD:14.0%,US:64.3;EU:18.0;APAC:7.1;EM:6.4;Other:4.2,Value:+0.9;Growth:-0.2;Quality:+0.3;Size:-0.3;Momentum:0.0;LowVol:-0.3,MaxPos6%,6,30,5.9,trailing 9%,255,32.2,Bear,29.7,3.47,2.7,186,25,49,85,true,Hedge,Buy index puts 1% notional,14,-9,BrokerC,LMT,96,VAR>budget,Reduce,Risk above budget threshold,45,-18,70,3,false,Monitor dispersion and breadth
P5376,Active,IRA,USD,2025-07-20,1999899,126505,1873394,1.0,57.9,22.8,13.2,6.0,HYG:24.7%;VTI:11.0%;XLF:24.7%;BRK.B:14.9%;VNQ:24.7%,US:63.3;EU:11.9;APAC:8.4;EM:10.7;Other:5.6,Value:+0.1;Growth:-0.0;Quality:-0.0;Size:-0.5;Momentum:+0.1;LowVol:+0.7,MaxPos5%,7,25,4.9,trailing 9%,224,16.7,Volatile,25.6,5.47,4.0,178,22,69,63,false,Sell,Trim extended winner -1%,23,-15,BrokerA,MKT,100,None,None,Normal monitoring,-37,15,64,5,false,Within IPS guidelines
P5377,Active,Roth,USD,2024-08-26,698061,81753,616308,1.0,69.6,20.9,3.2,6.3,AAPL:25.2%;BND:24.5%;TLT:25.2%;GLD:25.2%,US:69.2;EU:11.5;APAC:8.6;EM:7.6;Other:3.1,Value:-0.6;Growth:+1.0;Quality:+1.0;Size:-0.8;Momentum:-0.2;LowVol:-0.1,,5,30,4.0,trailing 9%,126,18.3,Bull,12.1,3.61,3.0,83,4,53,55,false,Hedge,Add TLT +1% as duration hedge,30,-30,BrokerD,MKT,100,None,None,Normal monitoring,-7,-56,35,4,false,Increase defensive factor exposure
P5378,Hands-off,401k,USD,2024-11-20,508118,21887,486231,1.0,63.9,29.1,0.9,6.1,AMZN:23.9%;QQQ:25.4%;VTI:25.4%;VOO:25.4%,US:69.0;EU:6.9;APAC:12.4;EM:8.3;Other:3.5,Value:-0.3;Growth:+0.7;Quality:+0.7;Size:+0.1;Momentum:-0.9;LowVol:+0.9,NoDerivatives,5,35,4.9,trailing 8%,139,15.8,Sideways,17.7,4.59,3.0,112,-22,25,63,false,Buy,Add to core equity +1%,-6,-13,BrokerC,MKT,100,None,None,Normal monitoring,-2,-31,47,5,false,Tighten stops on momentum names
P5379,Systematic,Roth,USD,2025-01-31,1083388,97877,985511,1.0,60.4,30.9,0.0,8.7,MUB:17.4%;BND:22.4%;QQQ:22.6%;HYG:22.6%;MSFT:15.1%,US:64.4;EU:15.1;APAC:10.7;EM:9.6;Other:0.4,Value:-0.5;Growth:-0.0;Quality:-0.0;Size:+0.8;Momentum:+1.0;LowVol:+0.3,NoDerivatives,6,35,5.1,trailing 8%,211,24.0,Bull,17.4,4.98,2.6,114,66,75,42,false,Sell,Trim extended winner -1%,12,0,BrokerD,MKT,88,None,None,Normal monitoring,55,-48,180,5,false,Tighten stops on momentum names
P5380,Systematic,Trust,USD,2024-08-29,424765,37240,387525,1.0,58.6,23.1,11.1,7.2,MSFT:33.3%;BRK.B:33.3%;VNQ:33.3%,US:64.6;EU:16.7;APAC:5.5;EM:9.5;Other:3.8,Value:+0.7;Growth:+0.9;Quality:+0.6;Size:+0.2;Momentum:0.0;LowVol:-0.4,NoDerivatives,8,30,5.7,hard 12%,134,19.4,Bear,23.2,3.19,1.4,208,-101,5,60,false,Rebalance,Shift +1% to bonds from equity,2,-4,BrokerC,LMT,96,None,None,Normal monitoring,-60,2,-99,3,false,Tax-aware sells next window
P5381,Active,Roth,USD,2024-09-23,775052,57390,717662,1.0,58.1,21.8,13.1,7.0,XLF:11.2%;AMZN:19.4%;VNQ:21.2%;GLD:17.5%;TLT:21.2%;MSFT:9.6%,US:70.3;EU:13.5;APAC:5.9;EM:5.8;Other:4.5,Value:-0.8;Growth:-0.5;Quality:+0.5;Size:+0.5;Momentum:-0.6;LowVol:-0.6,MaxPos7%;NoDerivatives,6,25,4.4,trailing 8%,220,21.3,Volatile,24.8,4.61,2.0,132,78,97,70,false,Rebalance,Shift +1% to bonds from equity,14,7,BrokerC,LMT,92,None,None,Normal monitoring,-34,-43,4,3,false,Increase defensive factor exposure
P5382,Cautious,401k,USD,2024-11-30,262415,25785,236630,1.0,47.2,33.6,3.2,16.1,HYG:27.2%;VNQ:27.2%;BRK.B:24.6%;VOO:21.1%,US:61.8;EU:18.0;APAC:7.6;EM:9.7;Other:2.9,Value:-0.2;Growth:-0.2;Quality:+0.3;Size:-0.7;Momentum:+0.7;LowVol:-0.4,ESGOnly;MaxPos5%;NoDerivatives;NoMargin,5,25,5.6,trailing 8%,100,15.3,Sideways,19.7,4.66,2.7,115,13,61,49,false,NoAction,Within bands; monitor,-2,-35,BrokerC,LMT,87,None,None,Normal monitoring,103,-25,131,4,false,Monitor dispersion and breadth
P5383,Systematic,Taxable,USD,2025-08-09,1835140,97737,1737403,1.0,57.7,31.4,2.5,8.4,GLD:17.7%;TLT:27.4%;VTI:27.4%;BRK.B:27.4%,US:76.0;EU:6.7;APAC:5.4;EM:11.0;Other:0.8,Value:-0.1;Growth:-0.0;Quality:-0.1;Size:-0.2;Momentum:-0.6;LowVol:-0.2,,6,25,5.1,trailing 8%,191,26.1,Bull,12.8,3.67,3.3,112,34,72,44,false,Rebalance,Shift +1% to bonds from equity,12,8,BrokerB,VWAP,99,None,None,Normal monitoring,86,6,73,3,false,Increase defensive factor exposure
P5384,Systematic,Trust,USD,2025-07-03,1061566,102578,958988,1.0,63.3,32.0,0.0,4.7,AAPL:33.3%;MSFT:33.3%;BND:33.3%,US:66.2;EU:14.0;APAC:9.2;EM:4.4;Other:6.2,Value:-0.2;Growth:+0.9;Quality:+0.9;Size:-0.2;Momentum:-0.0;LowVol:-0.5,MaxPos5%;NoDerivatives,8,25,4.1,trailing 9%,164,25.9,Volatile,24.1,4.86,3.2,136,19,64,66,false,Rebalance,Shift +1% to bonds from equity,-1,-12,BrokerB,MKT,93,None,None,Normal monitoring,90,16,180,5,false,Monitor dispersion and breadth
P5385,Opportunistic,IRA,USD,2025-06-03,1645928,104971,1540957,1.0,64.4,14.3,14.0,7.3,GLD:19.5%;HYG:17.8%;TLT:6.8%;BND:17.6%;MUB:19.6%;XLF:18.6%,US:64.0;EU:15.3;APAC:10.5;EM:9.0;Other:1.2,Value:-0.1;Growth:-0.3;Quality:-0.6;Size:+0.7;Momentum:+0.8;LowVol:-0.3,,5,30,4.4,trailing 7%,162,21.6,Volatile,31.6,4.21,2.7,129,-40,37,73,true,Hedge,Buy index puts 1% notional,8,-9,BrokerB,VWAP,92,VAR>budget,Pause,Risk above budget threshold,65,-19,201,2,false,Within IPS guidelines
P5386,Hands-off,IRA,USD,2024-12-13,813767,64214,749553,1.0,69.8,15.8,9.1,5.4,GLD:17.4%;VTI:19.2%;HYG:31.7%;BRK.B:31.7%,US:65.8;EU:12.1;APAC:14.1;EM:6.1;Other:1.9,Value:-0.2;Growth:0.0;Quality:-0.7;Size:-0.2;Momentum:+0.8;LowVol:+0.9,ESGOnly;MaxPos7%,5,30,5.4,trailing 10%,94,18.0,Bear,24.7,3.96,2.9,178,-75,18,69,false,Sell,Trim extended winner -1%,28,4,BrokerD,MKT,98,None,None,Normal monitoring,-37,-30,-64,4,false,Increase defensive factor exposure
P5387,Cautious,Roth,USD,2024-09-22,438153,55430,382723,1.0,48.7,35.4,0.0,15.9,IEF:15.2%;TLT:28.3%;VTI:28.3%;BND:28.3%,US:69.4;EU:7.6;APAC:10.6;EM:10.6;Other:1.8,Value:+0.8;Growth:-0.4;Quality:+0.5;Size:+0.5;Momentum:0.0;LowVol:-0.5,NoMargin,8,25,4.0,trailing 10%,137,19.2,Volatile,30.2,3.92,3.5,151,25,58,63,false,Rebalance,Shift +1% to bonds from equity,9,-34,BrokerC,VWAP,86,None,None,Normal monitoring,30,2,115,3,false,Within IPS guidelines
P5388,Opportunistic,Trust,USD,2025-02-04,1265421,105710,1159711,1.0,62.6,11.9,18.5,7.0,AAPL:17.7%;AMZN:20.1%;QQQ:17.4%;BND:20.1%;GLD:13.9%;BRK.B:10.8%,US:65.6;EU:11.2;APAC:13.5;EM:9.0;Other:0.7,Value:+0.4;Growth:-0.8;Quality:+0.7;Size:-0.7;Momentum:-0.7;LowVol:-0.3,,8,35,6.2,trailing 9%,241,23.5,Bull,16.4,4.79,3.3,71,102,94,55,false,Sell,Trim extended winner -1%,-3,8,BrokerB,MKT,91,None,None,Normal monitoring,7,-31,24,5,false,Tighten stops on momentum names
P5389,Opportunistic,Taxable,USD,2025-04-16,592382,42331,550051,1.13,77.7,15.8,0.0,6.5,MSFT:29.5%;IEF:29.5%;QQQ:29.5%;HYG:11.5%,US:63.0;EU:11.9;APAC:11.3;EM:12.2;Other:1.7,Value:+0.3;Growth:-0.2;Quality:+0.9;Size:-0.6;Momentum:-0.6;LowVol:-0.9,MaxPos8%;NoDerivatives,8,25,4.4,trailing 9%,276,27.7,Bull,15.3,4.56,3.1,74,35,75,54,false,Rebalance,Shift +1% to bonds from equity,29,-27,BrokerC,MKT,85,None,None,Normal monitoring,-40,3,-76,4,false,Within IPS guidelines
P5390,Cautious,401k,USD,2025-06-22,571166,58209,512957,1.0,43.4,37.0,5.5,14.1,MSFT:18.4%;BND:20.9%;AAPL:20.9%;BRK.B:6.5%;AMZN:20.5%;HYG:12.7%,US:70.0;EU:11.6;APAC:5.6;EM:8.7;Other:4.1,Value:-0.2;Growth:-0.5;Quality:-0.6;Size:-0.7;Momentum:+0.3;LowVol:+0.9,ESGOnly;MaxPos8%;NoMargin,5,35,4.8,trailing 10%,109,17.8,Bear,31.2,3.47,2.7,160,36,63,66,false,Buy,Add to core equity +1%,-12,-15,BrokerC,LMT,89,None,None,Normal monitoring,47,5,46,5,false,Tax-aware sells next window
P5391,Opportunistic,IRA,USD,2024-11-10,1012526,44594,967932,1.0,73.5,12.0,7.4,7.1,IEF:17.0%;GLD:16.1%;XLF:17.0%;MSFT:25.5%;MUB:24.4%,US:67.9;EU:13.1;APAC:12.9;EM:5.5;Other:0.6,Value:+0.8;Growth:-0.9;Quality:0.0;Size:-0.8;Momentum:+0.6;LowVol:+0.6,,8,30,6.2,trailing 7%,173,32.1,Bull,15.8,4.48,2.5,113,78,79,59,false,Rebalance,Shift +1% to bonds from equity,-11,-4,BrokerC,MKT,98,None,None,Normal monitoring,15,5,48,3,false,Tax-aware sells next window
P5392,Opportunistic,Roth,USD,2025-11-09,937741,71539,866202,1.0,67.6,15.1,10.5,6.8,QQQ:22.8%;XLF:27.2%;BRK.B:22.8%;TSLA:27.2%,US:69.0;EU:17.1;APAC:9.0;EM:3.5;Other:1.4,Value:-0.5;Growth:+0.6;Quality:-0.3;Size:-0.5;Momentum:+0.3;LowVol:-0.2,MaxPos8%;NoDerivatives,5,35,6.8,hard 12%,166,24.0,Volatile,29.2,4.69,3.4,153,-24,44,84,true,Rebalance,Rebalance back to target bands,23,6,BrokerB,MKT,98,VAR>budget,Reduce,Risk above budget threshold,8,7,57,5,false,Tighten stops on momentum names
P5393,Systematic,Roth,USD,2025-11-08,1610820,80171,1530649,1.0,59.0,31.2,0.0,9.9,AAPL:11.4%;QQQ:17.6%;BRK.B:12.2%;TLT:23.3%;MSFT:23.9%;HYG:11.6%,US:59.0;EU:19.1;APAC:10.3;EM:10.2;Other:1.4,Value:-0.4;Growth:-0.1;Quality:-0.5;Size:-0.9;Momentum:-0.5;LowVol:+0.8,NoDerivatives,6,30,5.0,hard 12%,199,18.5,Bear,29.9,4.1,2.1,212,22,71,77,true,Reduce,"Cut high-beta by 2-3%, add cash",9,-22,BrokerC,VWAP,94,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,53,-17,16,4,false,Increase defensive factor exposure
P5394,Cautious,Trust,USD,2024-11-27,478246,44797,433449,1.0,46.3,30.3,8.0,15.4,AMZN:26.8%;XLF:26.8%;GLD:26.8%;VNQ:19.5%,US:74.7;EU:8.5;APAC:9.4;EM:6.4;Other:1.0,Value:+0.5;Growth:-0.5;Quality:-0.3;Size:-1.0;Momentum:-0.1;LowVol:-1.0,MaxPos7%;NoMargin,8,30,3.7,trailing 8%,123,19.8,Sideways,21.7,3.7,2.8,107,6,51,58,false,NoAction,Within bands; monitor,25,12,BrokerA,MKT,0,None,None,Normal monitoring,99,16,184,3,false,Increase defensive factor exposure
P5395,Cautious,401k,USD,2024-12-27,462361,67056,395305,1.0,35.0,31.3,20.2,13.4,VOO:25.0%;XLF:25.0%;VTI:25.0%;QQQ:25.0%,US:62.8;EU:13.3;APAC:12.9;EM:5.6;Other:5.3,Value:0.0;Growth:-0.2;Quality:-0.5;Size:-0.7;Momentum:-0.4;LowVol:+0.8,ESGOnly;NoMargin,7,30,5.6,hard 10%,147,15.8,Volatile,31.8,3.8,2.5,149,44,66,74,true,Reduce,"Cut high-beta by 2-3%, add cash",26,-7,BrokerC,LMT,96,RegimeShift,TightenStops,Volatility spike and breadth deterioration,68,2,32,5,false,Increase defensive factor exposure
P5396,Hands-off,IRA,USD,2025-10-02,394487,16446,378041,1.0,62.8,25.2,3.3,8.7,TSLA:21.9%;VOO:17.3%;TLT:21.9%;IEF:16.9%;AMZN:21.9%,US:64.7;EU:14.9;APAC:7.4;EM:7.6;Other:5.4,Value:-0.4;Growth:+0.4;Quality:-0.3;Size:+0.9;Momentum:-0.7;LowVol:-0.8,ESGOnly,5,25,5.8,trailing 8%,147,17.4,Volatile,21.6,4.71,2.5,151,38,80,66,false,Buy,Add to core equity +1%,-9,-31,BrokerA,MKT,96,None,None,Normal monitoring,24,-16,-3,5,false,Tax-aware sells next window
P5397,Systematic,Trust,USD,2024-12-24,1842181,82162,1760019,1.0,66.7,22.7,4.6,6.0,VOO:27.4%;TLT:27.4%;IEF:27.4%;MUB:17.7%,US:72.8;EU:10.1;APAC:7.0;EM:9.3;Other:0.9,Value:0.0;Growth:-0.7;Quality:-0.8;Size:+0.6;Momentum:-0.2;LowVol:-0.2,NoDerivatives,7,30,4.9,trailing 9%,132,17.7,Bull,17.7,4.01,2.9,105,65,76,46,false,Rebalance,Shift +1% to bonds from equity,-4,-18,BrokerD,LMT,88,None,None,Normal monitoring,22,-56,15,3,false,Increase defensive factor exposure
P5398,Cautious,IRA,USD,2025-09-01,369925,56723,313202,1.0,41.7,43.8,0.9,13.6,VOO:22.2%;AMZN:16.3%;TLT:22.2%;XLF:18.5%;VTI:20.8%,US:63.0;EU:12.6;APAC:15.8;EM:4.7;Other:3.8,Value:-0.1;Growth:+0.6;Quality:+0.2;Size:+0.8;Momentum:-0.8;LowVol:+0.1,NoDerivatives;NoMargin,5,25,3.7,hard 10%,140,17.6,Bull,15.9,3.81,2.7,70,69,87,29,false,Sell,Trim extended winner -1%,24,-31,BrokerA,LMT,87,None,None,Normal monitoring,-26,-2,41,4,false,Tax-aware sells next window
P5399,Active,Taxable,USD,2025-02-06,1569359,105739,1463620,1.23,50.1,23.1,21.3,5.4,AAPL:23.0%;HYG:23.0%;VOO:10.3%;GLD:23.0%;BND:20.7%,US:64.3;EU:13.3;APAC:10.6;EM:9.9;Other:2.0,Value:+0.5;Growth:-0.4;Quality:-0.2;Size:-0.5;Momentum:+1.0;LowVol:+0.5,NoDerivatives,8,25,5.6,hard 12%,184,26.9,Volatile,21.0,5.23,3.8,175,64,67,47,false,Rebalance,Shift +1% to bonds from equity,30,-21,BrokerA,LMT,95,None,None,Normal monitoring,23,-16,51,4,false,Tighten stops on momentum names
P5400,Systematic,Trust,USD,2025-06-15,1556351,150013,1406338,1.0,66.0,23.3,3.2,7.5,VNQ:20.2%;AMZN:21.7%;BND:20.6%;IEF:16.3%;BRK.B:21.2%,US:63.3;EU:11.5;APAC:11.1;EM:9.7;Other:4.3,Value:-0.4;Growth:+0.8;Quality:-0.8;Size:-1.0;Momentum:+0.3;LowVol:+0.9,,7,30,4.8,trailing 8%,128,16.2,Sideways,21.0,4.86,3.3,130,9,65,57,false,Buy,Add to core equity +1%,25,-26,BrokerA,LMT,87,None,None,Normal monitoring,-60,-18,-22,5,false,Increase defensive factor exposure
P5401,Hands-off,Trust,USD,2025-04-09,440796,35400,405396,1.0,57.7,25.2,11.3,5.8,AMZN:20.1%;VOO:14.7%;MUB:16.8%;TLT:18.2%;QQQ:16.5%;GLD:13.6%,US:62.4;EU:16.4;APAC:8.1;EM:9.2;Other:3.9,Value:-0.4;Growth:+0.1;Quality:+0.6;Size:+0.3;Momentum:-0.4;LowVol:-0.1,ESGOnly;NoDerivatives,10,35,3.2,trailing 8%,141,17.6,Volatile,22.9,3.94,3.9,121,64,88,59,false,Rebalance,Shift +1% to bonds from equity,6,8,BrokerC,MKT,88,None,None,Normal monitoring,69,-49,38,5,false,Monitor dispersion and breadth
P5402,Cautious,IRA,USD,2025-07-14,584341,67390,516951,1.0,35.4,36.4,18.2,10.0,VNQ:19.5%;GLD:20.5%;HYG:17.5%;TLT:15.1%;VTI:6.9%;BRK.B:20.5%,US:61.6;EU:14.5;APAC:12.6;EM:9.9;Other:1.4,Value:-0.4;Growth:-0.9;Quality:-0.2;Size:+1.0;Momentum:+0.1;LowVol:-0.4,ESGOnly;MaxPos7%;NoMargin,5,25,4.1,trailing 8%,160,16.4,Volatile,26.4,3.52,2.7,120,-57,7,60,true,Hedge,Buy index puts 1% notional,11,-15,BrokerC,MKT,94,Drift>tolerance,Reduce,Allocation drift beyond policy bands,114,-30,119,2,false,Within IPS guidelines
P5403,Hands-off,Trust,USD,2025-05-26,657755,45516,612239,1.0,60.3,26.1,4.1,9.4,MSFT:33.3%;BND:33.3%;BRK.B:33.3%,US:71.1;EU:6.2;APAC:15.0;EM:6.0;Other:1.7,Value:+0.8;Growth:+0.6;Quality:+0.2;Size:+0.1;Momentum:+0.2;LowVol:-0.8,ESGOnly;NoDerivatives,5,25,4.3,trailing 10%,130,18.7,Bull,12.5,4.13,2.6,73,75,81,31,false,Rebalance,Shift +1% to bonds from equity,34,-13,BrokerB,LMT,87,None,None,Normal monitoring,46,-20,18,4,false,Tax-aware sells next window
P5404,Hands-off,Trust,USD,2025-03-16,795118,59157,735961,1.0,70.5,16.7,6.4,6.3,VOO:17.9%;AAPL:12.1%;GLD:24.9%;BND:24.9%;MUB:20.3%,US:65.2;EU:16.5;APAC:8.5;EM:7.4;Other:2.4,Value:+0.9;Growth:-0.8;Quality:+0.1;Size:-0.0;Momentum:-0.8;LowVol:-0.6,NoDerivatives,10,25,3.2,trailing 8%,125,19.4,Bull,11.8,4.52,2.3,96,100,100,42,false,Rebalance,Shift +1% to bonds from equity,-8,-29,BrokerA,MKT,86,None,None,Normal monitoring,20,-32,76,4,false,Within IPS guidelines
P5405,Active,IRA,USD,2025-09-12,1994864,228809,1766055,1.0,58.6,25.3,9.5,6.6,MSFT:10.1%;HYG:21.3%;VTI:15.5%;VNQ:13.0%;MUB:18.8%;XLF:21.3%,US:66.5;EU:14.4;APAC:9.1;EM:7.2;Other:2.8,Value:+0.8;Growth:-0.4;Quality:+0.8;Size:+1.0;Momentum:-0.6;LowVol:-0.5,NoDerivatives,8,30,4.6,trailing 8%,194,24.2,Bull,11.0,3.69,2.9,86,108,100,38,false,Buy,Add to core equity +1%,17,12,BrokerC,MKT,92,None,None,Normal monitoring,-59,-56,-93,5,false,Increase defensive factor exposure
P5406,Cautious,Taxable,USD,2025-07-27,194108,29940,164168,1.0,40.4,34.1,13.1,12.4,MUB:24.6%;VTI:24.6%;VOO:18.5%;QQQ:23.1%;BND:9.2%,US:70.7;EU:8.4;APAC:9.0;EM:8.1;Other:3.9,Value:+0.2;Growth:-0.1;Quality:+0.7;Size:-0.6;Momentum:-0.3;LowVol:+0.6,NoMargin,10,35,3.0,hard 10%,126,19.0,Volatile,31.3,5.4,4.1,164,54,79,72,true,Rebalance,Rebalance back to target bands,4,15,BrokerA,VWAP,95,Drift>tolerance,Hedge,Allocation drift beyond policy bands,49,-6,36,4,true,Tax-aware sells next window
P5407,Systematic,401k,USD,2025-05-13,837192,79508,757684,1.0,62.1,28.9,3.3,5.6,TSLA:14.7%;QQQ:13.9%;HYG:10.5%;BRK.B:23.7%;GLD:13.9%;TLT:23.2%,US:53.7;EU:19.5;APAC:11.3;EM:10.7;Other:4.8,Value:0.0;Growth:+0.8;Quality:+0.2;Size:+0.7;Momentum:+0.1;LowVol:-0.7,,6,30,4.1,trailing 9%,144,22.1,Bull,16.8,3.76,3.3,81,34,68,59,false,NoAction,Within bands; monitor,31,-10,BrokerB,VWAP,91,None,None,Normal monitoring,7,-58,9,5,false,Increase defensive factor exposure
P5408,Cautious,Trust,USD,2025-12-18,563546,76181,487365,1.0,40.0,36.8,12.5,10.7,QQQ:22.1%;VOO:22.1%;HYG:22.1%;IEF:16.4%;MUB:10.1%;AAPL:7.2%,US:64.2;EU:17.1;APAC:7.6;EM:7.0;Other:4.2,Value:+0.5;Growth:+0.5;Quality:-0.8;Size:+0.8;Momentum:-0.9;LowVol:-0.7,ESGOnly;NoMargin,5,25,4.8,trailing 8%,113,14.2,Bull,16.0,3.61,2.7,112,101,100,44,false,Sell,Trim extended winner -1%,35,11,BrokerA,MKT,90,None,None,Normal monitoring,9,14,19,5,false,Increase defensive factor exposure
P5409,Opportunistic,Trust,USD,2025-08-19,360852,19174,341678,1.15,68.3,12.4,12.4,6.9,VNQ:24.0%;XLF:14.0%;HYG:24.0%;BRK.B:14.9%;MSFT:23.1%,US:66.7;EU:7.9;APAC:12.7;EM:10.8;Other:2.0,Value:-0.6;Growth:+0.1;Quality:-1.0;Size:-0.2;Momentum:-0.0;LowVol:-0.4,MaxPos6%,6,30,6.5,hard 12%,167,24.1,Bull,16.7,3.51,3.1,93,104,100,62,false,Buy,Add to core equity +1%,3,-4,BrokerA,MKT,95,None,None,Normal monitoring,-28,-45,42,5,false,Tighten stops on momentum names
P5410,Cautious,Trust,USD,2025-11-03,214106,21229,192877,1.0,42.3,43.8,2.9,10.9,MUB:16.4%;AMZN:14.9%;BND:24.4%;TSLA:24.4%;VNQ:19.8%,US:61.6;EU:14.8;APAC:7.2;EM:11.6;Other:4.8,Value:+0.9;Growth:+0.3;Quality:-0.9;Size:-0.3;Momentum:+0.1;LowVol:-0.3,NoMargin,5,25,4.6,hard 10%,109,18.5,Sideways,21.5,4.25,2.4,120,32,65,50,false,Rebalance,Shift +1% to bonds from equity,28,15,BrokerC,MKT,93,None,None,Normal monitoring,53,-17,127,5,false,Within IPS guidelines
P5411,Active,401k,USD,2024-10-21,2093788,202265,1891523,1.0,54.0,31.5,7.3,7.2,AMZN:33.3%;BRK.B:33.3%;MSFT:33.3%,US:62.7;EU:14.5;APAC:9.7;EM:8.7;Other:4.4,Value:-0.2;Growth:-0.1;Quality:+0.8;Size:-0.8;Momentum:-0.9;LowVol:-0.0,NoDerivatives,8,25,4.3,trailing 9%,162,27.3,Sideways,18.9,5.0,2.7,104,11,62,57,false,Rebalance,Shift +1% to bonds from equity,35,-18,BrokerA,VWAP,95,None,None,Normal monitoring,68,-24,172,4,false,Tighten stops on momentum names
P5412,Opportunistic,401k,USD,2025-10-17,1562529,57645,1504884,1.0,62.1,12.7,18.5,6.7,VNQ:12.1%;MSFT:22.6%;QQQ:22.7%;AMZN:22.7%;MUB:19.8%,US:67.0;EU:13.3;APAC:12.1;EM:7.4;Other:0.2,Value:-0.1;Growth:+0.8;Quality:+0.4;Size:-0.9;Momentum:-0.6;LowVol:+0.7,MaxPos8%,5,35,6.2,hard 12%,223,26.3,Volatile,25.0,4.42,4.3,118,69,82,58,false,Rebalance,Shift +1% to bonds from equity,-5,5,BrokerD,VWAP,100,None,None,Normal monitoring,83,-37,83,4,false,Increase defensive factor exposure
P5413,Hands-off,401k,USD,2024-10-15,307932,27940,279992,1.0,65.2,26.7,0.0,8.0,QQQ:19.3%;XLF:22.7%;HYG:22.7%;AMZN:12.5%;MSFT:22.7%,US:64.2;EU:11.4;APAC:15.1;EM:7.7;Other:1.7,Value:-0.2;Growth:+0.6;Quality:-0.2;Size:-1.0;Momentum:-0.3;LowVol:-0.6,,8,35,3.9,hard 10%,100,19.7,Volatile,26.5,3.77,3.7,144,55,78,68,false,Sell,Trim extended winner -1%,-7,-1,BrokerB,LMT,89,None,None,Normal monitoring,65,7,42,5,false,Increase defensive factor exposure
P5414,Opportunistic,IRA,USD,2024-09-22,926604,65334,861270,1.0,73.4,18.7,1.1,6.8,TLT:8.6%;AMZN:16.8%;BRK.B:21.3%;MSFT:20.9%;IEF:11.2%;GLD:21.3%,US:63.6;EU:15.5;APAC:6.3;EM:12.8;Other:1.9,Value:-0.9;Growth:-0.7;Quality:-0.8;Size:-0.1;Momentum:+0.1;LowVol:+0.8,,8,30,6.0,trailing 9%,277,25.1,Volatile,24.6,3.6,4.3,153,21,65,66,false,Rebalance,Shift +1% to bonds from equity,25,-14,BrokerA,LMT,90,None,None,Normal monitoring,104,-18,240,4,false,Tax-aware sells next window
P5415,Systematic,Trust,USD,2025-11-22,691872,60503,631369,1.0,61.5,29.8,0.0,8.7,XLF:20.1%;GLD:9.6%;TLT:18.3%;BRK.B:18.6%;VTI:17.8%;AAPL:15.7%,US:64.9;EU:11.1;APAC:13.0;EM:7.0;Other:4.0,Value:+0.7;Growth:-0.3;Quality:-0.1;Size:-0.1;Momentum:+0.8;LowVol:-0.8,MaxPos8%;NoDerivatives,7,25,6.0,trailing 9%,160,20.7,Volatile,30.5,4.99,2.8,179,14,42,78,true,Hedge,Buy index puts 1% notional,-4,-23,BrokerC,LMT,91,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-15,20,-31,4,false,Tax-aware sells next window
P5416,Systematic,401k,USD,2025-03-29,653614,31171,622443,1.0,61.6,21.9,9.9,6.6,GLD:23.8%;VTI:23.8%;AMZN:13.9%;VNQ:14.8%;TLT:23.8%,US:61.1;EU:17.2;APAC:16.1;EM:5.5;Other:0.0,Value:-0.5;Growth:-0.1;Quality:+0.8;Size:+0.3;Momentum:+0.8;LowVol:+0.5,,6,25,4.4,hard 12%,154,17.7,Sideways,16.6,3.8,3.3,133,18,66,43,false,Buy,Add to core equity +1%,-2,-15,BrokerB,MKT,93,None,None,Normal monitoring,-53,-36,53,4,false,Increase defensive factor exposure
P5417,Active,Roth,USD,2025-12-06,716934,43946,672988,1.0,62.2,21.3,8.7,7.7,BRK.B:33.3%;BND:33.3%;MUB:33.3%,US:68.5;EU:11.5;APAC:10.7;EM:6.5;Other:2.9,Value:-0.9;Growth:-1.0;Quality:-0.4;Size:-0.2;Momentum:-1.0;LowVol:+0.7,NoDerivatives,6,30,5.6,trailing 8%,146,24.9,Bear,25.5,3.23,1.1,206,-56,13,59,false,Sell,Trim extended winner -1%,29,-39,BrokerB,LMT,100,None,None,Normal monitoring,89,-13,210,5,false,Within IPS guidelines
P5418,Active,Roth,USD,2024-10-17,1467451,156566,1310885,1.0,53.4,21.5,17.6,7.5,VOO:27.9%;TSLA:21.4%;MUB:22.8%;BRK.B:27.9%,US:68.4;EU:10.3;APAC:13.8;EM:5.8;Other:1.8,Value:+0.7;Growth:-0.5;Quality:+0.3;Size:-0.8;Momentum:-0.2;LowVol:-0.6,,6,35,4.6,trailing 9%,178,21.5,Volatile,24.9,4.81,3.8,170,36,69,57,false,Rebalance,Shift +1% to bonds from equity,33,-1,BrokerA,LMT,90,None,None,Normal monitoring,-37,18,-1,3,false,Monitor dispersion and breadth
P5419,Systematic,Trust,USD,2025-08-09,1743523,139573,1603950,1.0,62.7,29.5,0.0,7.8,XLF:25.8%;VTI:37.1%;BRK.B:37.1%,US:73.1;EU:5.3;APAC:11.7;EM:7.3;Other:2.5,Value:-0.8;Growth:-0.2;Quality:-0.3;Size:+0.1;Momentum:+0.7;LowVol:+0.1,MaxPos7%,7,30,4.7,hard 12%,171,22.3,Bull,13.5,3.98,2.2,75,26,69,42,false,Sell,Trim extended winner -1%,27,5,BrokerD,LMT,94,None,None,Normal monitoring,-51,-7,10,5,false,Within IPS guidelines
P5420,Cautious,401k,USD,2025-04-23,179113,15207,163906,1.0,38.1,40.7,10.5,10.7,VTI:26.7%;TLT:26.7%;VNQ:19.8%;QQQ:26.7%,US:76.1;EU:8.0;APAC:10.5;EM:4.7;Other:0.7,Value:+0.6;Growth:+0.5;Quality:-1.0;Size:+0.2;Momentum:-0.9;LowVol:-0.8,ESGOnly;MaxPos8%;NoMargin,6,25,6.0,hard 10%,106,12.2,Bear,31.4,3.63,1.4,150,-3,44,62,false,Rebalance,Shift +1% to bonds from equity,13,-29,BrokerD,MKT,88,None,None,Normal monitoring,3,-44,-34,5,false,Tighten stops on momentum names
P5421,Systematic,401k,USD,2024-08-15,871752,42332,829420,1.0,56.7,23.6,11.2,8.5,GLD:9.6%;QQQ:22.3%;VOO:19.2%;BRK.B:22.3%;TLT:15.9%;IEF:10.7%,US:73.3;EU:8.1;APAC:12.0;EM:4.4;Other:2.3,Value:-0.3;Growth:+0.9;Quality:-0.4;Size:-0.9;Momentum:-0.6;LowVol:+0.5,,7,25,4.9,trailing 9%,149,16.6,Bear,25.6,3.06,2.6,196,12,68,55,true,Hedge,Buy index puts 1% notional,22,0,BrokerD,LMT,97,Drift>tolerance,Hedge,Allocation drift beyond policy bands,36,-48,73,4,true,Monitor dispersion and breadth
P5422,Active,Taxable,USD,2025-10-26,1999331,234529,1764802,1.0,65.5,26.9,0.0,7.6,BRK.B:33.9%;VNQ:32.3%;BND:33.9%,US:61.3;EU:17.5;APAC:13.8;EM:6.6;Other:0.9,Value:-0.1;Growth:+0.9;Quality:-0.6;Size:+0.5;Momentum:+0.7;LowVol:+0.2,MaxPos6%,7,25,5.7,trailing 9%,163,20.9,Volatile,20.8,4.31,3.0,170,56,69,69,false,Sell,Trim extended winner -1%,22,13,BrokerA,LMT,90,None,None,Normal monitoring,79,-38,57,3,false,Tax-aware sells next window
P5423,Hands-off,IRA,USD,2024-08-02,235868,11828,224040,1.0,68.6,25.8,0.0,5.7,TLT:21.2%;BND:16.1%;MUB:12.4%;VNQ:17.3%;TSLA:21.3%;BRK.B:11.8%,US:71.4;EU:8.9;APAC:7.8;EM:10.3;Other:1.5,Value:-0.3;Growth:+0.1;Quality:+0.4;Size:+0.4;Momentum:+0.1;LowVol:-0.2,ESGOnly;MaxPos7%,5,35,4.6,trailing 10%,153,12.7,Bear,27.5,3.89,1.0,208,-45,25,82,true,Reduce,"Cut high-beta by 2-3%, add cash",0,10,BrokerA,VWAP,88,RegimeShift,Reduce,Volatility spike and breadth deterioration,117,-23,177,4,false,Within IPS guidelines
P5424,Opportunistic,Taxable,USD,2025-04-30,1510999,47841,1463158,1.0,61.9,12.9,17.7,7.5,TSLA:17.7%;BND:27.4%;GLD:27.4%;TLT:27.4%,US:58.7;EU:12.0;APAC:14.3;EM:12.5;Other:2.4,Value:+0.6;Growth:+0.4;Quality:+0.3;Size:-0.0;Momentum:-0.1;LowVol:+0.5,MaxPos8%;NoDerivatives,8,30,5.9,hard 12%,201,22.3,Bull,14.9,3.85,2.5,118,36,76,51,false,Rebalance,Shift +1% to bonds from equity,26,-11,BrokerB,LMT,89,None,None,Normal monitoring,74,11,98,4,false,Within IPS guidelines
P5425,Opportunistic,Trust,USD,2025-09-03,612783,40952,571831,1.16,70.4,17.0,7.9,4.7,AAPL:33.3%;XLF:33.3%;HYG:33.3%,US:68.8;EU:11.2;APAC:12.5;EM:5.0;Other:2.5,Value:+0.5;Growth:+0.7;Quality:-0.6;Size:-0.3;Momentum:+1.0;LowVol:+0.2,,7,25,5.6,hard 12%,279,23.2,Sideways,19.7,4.65,3.0,101,33,55,65,false,Buy,Add to core equity +1%,-1,-25,BrokerA,MKT,91,None,None,Normal monitoring,-3,-7,-16,4,false,Tax-aware sells next window
P5426,Systematic,401k,USD,2025-09-05,760954,67193,693761,1.0,62.8,21.0,7.6,8.7,XLF:26.1%;TSLA:21.6%;BRK.B:26.1%;IEF:26.1%,US:62.6;EU:14.3;APAC:8.1;EM:10.9;Other:4.1,Value:+0.1;Growth:+0.5;Quality:0.0;Size:-0.5;Momentum:+0.6;LowVol:+1.0,,6,35,4.4,trailing 8%,226,17.2,Volatile,27.5,4.9,2.6,127,15,52,67,false,Hedge,Add TLT +1% as duration hedge,20,-14,BrokerD,LMT,95,None,None,Normal monitoring,4,6,144,4,false,Within IPS guidelines
P5427,Cautious,401k,USD,2025-11-30,331218,38156,293062,1.0,45.1,36.7,2.6,15.6,MSFT:21.8%;HYG:18.8%;AMZN:21.8%;BRK.B:21.8%;VNQ:15.8%,US:68.7;EU:13.7;APAC:11.9;EM:4.4;Other:1.3,Value:-0.2;Growth:+0.2;Quality:-0.6;Size:-0.1;Momentum:+0.5;LowVol:+0.4,ESGOnly;MaxPos7%;NoMargin,8,30,4.3,trailing 8%,160,17.5,Bear,22.0,3.17,1.7,214,-15,49,59,false,Hedge,Add TLT +1% as duration hedge,3,-1,BrokerB,MKT,92,None,None,Normal monitoring,111,-24,221,5,false,Within IPS guidelines
P5428,Active,401k,USD,2025-06-30,1365788,113810,1251978,1.0,58.2,20.1,15.0,6.6,VNQ:17.5%;MUB:10.1%;HYG:17.1%;BRK.B:14.7%;VTI:20.3%;AAPL:20.3%,US:72.7;EU:8.0;APAC:13.7;EM:3.4;Other:2.4,Value:-0.9;Growth:-0.9;Quality:+0.6;Size:-0.2;Momentum:-0.8;LowVol:-0.5,,8,35,4.3,trailing 9%,128,21.3,Bear,31.4,3.28,1.5,137,-20,34,73,true,Rebalance,Rebalance back to target bands,18,-19,BrokerD,LMT,89,Drift>tolerance,Hedge,Allocation drift beyond policy bands,73,4,195,5,false,Tax-aware sells next window
P5429,Opportunistic,Taxable,USD,2024-07-04,465537,25571,439966,1.0,60.6,19.2,15.6,4.5,GLD:33.3%;VNQ:33.3%;VTI:33.3%,US:73.7;EU:10.5;APAC:8.1;EM:4.7;Other:3.1,Value:-0.2;Growth:-0.1;Quality:+0.3;Size:+0.6;Momentum:-0.8;LowVol:-0.6,,8,25,6.8,hard 12%,192,26.4,Bull,17.3,4.95,2.8,78,22,68,41,false,Rebalance,Shift +1% to bonds from equity,19,-40,BrokerC,VWAP,88,None,None,Normal monitoring,-30,-23,-6,3,false,Increase defensive factor exposure
P5430,Active,IRA,USD,2025-11-12,1826345,195307,1631038,1.0,59.3,20.9,12.9,6.9,MSFT:27.6%;HYG:27.6%;GLD:17.3%;VNQ:27.6%,US:62.1;EU:16.6;APAC:14.9;EM:5.1;Other:1.3,Value:+0.1;Growth:+0.7;Quality:+0.5;Size:-0.1;Momentum:+0.7;LowVol:-0.3,MaxPos8%,8,25,5.7,trailing 8%,186,21.5,Volatile,24.2,4.06,2.4,172,-10,40,72,true,Hedge,Buy index puts 1% notional,-8,4,BrokerA,MKT,98,VAR>budget,Reduce,Risk above budget threshold,4,-3,116,5,true,Tighten stops on momentum names
P5431,Cautious,IRA,USD,2025-04-16,566092,65681,500411,1.0,35.6,33.3,15.2,15.9,XLF:10.4%;TSLA:11.0%;BRK.B:26.2%;GLD:26.2%;IEF:26.2%,US:62.0;EU:17.6;APAC:6.8;EM:8.9;Other:4.7,Value:+0.4;Growth:+0.1;Quality:+0.8;Size:-0.2;Momentum:+0.5;LowVol:-0.1,MaxPos5%;NoMargin,10,30,4.3,trailing 10%,90,15.4,Bull,16.3,4.53,2.1,113,53,61,30,false,Buy,Add to core equity +1%,-2,-33,BrokerB,LMT,96,None,None,Normal monitoring,8,-44,40,4,false,Monitor dispersion and breadth
P5432,Opportunistic,Trust,USD,2024-11-07,998287,36241,962046,1.19,65.5,10.0,16.4,8.1,MUB:28.7%;AMZN:28.7%;VOO:28.7%;TLT:14.0%,US:59.3;EU:15.4;APAC:15.8;EM:4.0;Other:5.4,Value:+0.1;Growth:+0.6;Quality:-0.2;Size:-0.5;Momentum:+0.7;LowVol:-0.7,MaxPos7%,8,25,6.4,hard 12%,249,20.7,Bull,14.0,4.18,3.2,113,6,52,43,false,Buy,Add to core equity +1%,22,-15,BrokerB,MKT,91,None,None,Normal monitoring,-28,-53,-5,4,false,Increase defensive factor exposure
P5433,Hands-off,401k,USD,2025-10-15,732388,54284,678104,1.0,63.8,25.8,3.9,6.5,MSFT:12.8%;HYG:16.3%;MUB:23.7%;GLD:23.4%;IEF:23.7%,US:66.5;EU:6.4;APAC:7.5;EM:14.0;Other:5.6,Value:+0.8;Growth:-0.4;Quality:-0.4;Size:+0.9;Momentum:-0.5;LowVol:+0.6,NoDerivatives,7,25,4.0,trailing 8%,159,16.5,Volatile,30.8,5.26,4.1,171,68,81,77,true,Hedge,Buy index puts 1% notional,3,-39,BrokerB,MKT,98,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,59,0,130,4,false,Tax-aware sells next window
P5434,Active,401k,USD,2024-09-23,2089141,140106,1949035,1.11,59.9,27.3,3.7,9.1,TSLA:23.5%;GLD:11.1%;HYG:18.4%;BRK.B:23.5%;XLF:23.5%,US:66.2;EU:7.3;APAC:12.7;EM:12.4;Other:1.4,Value:+1.0;Growth:+0.2;Quality:-0.2;Size:+0.1;Momentum:+0.9;LowVol:+0.4,MaxPos7%;NoDerivatives,5,25,4.6,trailing 9%,129,23.1,Bull,16.8,4.75,2.6,99,97,100,53,false,Sell,Trim extended winner -1%,30,-11,BrokerC,LMT,93,None,None,Normal monitoring,96,-7,213,3,false,Tighten stops on momentum names
P5435,Cautious,IRA,USD,2025-05-06,377526,40314,337212,1.0,38.1,40.4,7.6,13.8,QQQ:26.4%;VNQ:27.0%;HYG:19.7%;VOO:27.0%,US:61.8;EU:10.3;APAC:14.4;EM:8.4;Other:5.0,Value:+0.6;Growth:-0.2;Quality:-0.2;Size:-0.3;Momentum:+0.3;LowVol:-0.3,ESGOnly;NoMargin,10,25,4.9,hard 10%,141,16.4,Bull,17.7,3.74,2.4,89,36,83,45,false,Sell,Trim extended winner -1%,19,4,BrokerC,MKT,90,None,None,Normal monitoring,80,8,203,5,false,Monitor dispersion and breadth
P5436,Hands-off,Trust,USD,2024-08-09,281506,13319,268187,1.0,59.6,20.9,11.1,8.4,GLD:26.5%;BRK.B:20.4%;MSFT:26.5%;TSLA:26.5%,US:68.3;EU:9.5;APAC:8.9;EM:8.3;Other:5.0,Value:0.0;Growth:-0.9;Quality:+0.6;Size:-0.7;Momentum:+0.6;LowVol:-0.4,MaxPos5%,7,30,5.4,hard 10%,102,14.5,Volatile,24.9,5.14,2.7,136,-51,25,75,true,Reduce,"Cut high-beta by 2-3%, add cash",0,12,BrokerC,VWAP,95,VAR>budget,Reduce,Risk above budget threshold,29,-19,27,4,false,Within IPS guidelines
P5437,Cautious,401k,USD,2025-03-05,805137,91768,713369,1.0,37.7,44.5,4.0,13.9,QQQ:35.1%;MSFT:29.8%;BND:35.1%,US:60.7;EU:11.0;APAC:15.2;EM:9.7;Other:3.4,Value:-0.7;Growth:+0.9;Quality:-0.2;Size:+0.8;Momentum:-0.6;LowVol:+0.8,ESGOnly;NoMargin,8,35,3.9,trailing 8%,124,15.2,Bull,18.0,4.42,2.4,110,39,62,37,false,Sell,Trim extended winner -1%,22,-1,BrokerB,MKT,100,None,None,Normal monitoring,42,-2,118,3,false,Tighten stops on momentum names
P5438,Active,Roth,USD,2024-10-01,591788,51461,540327,1.0,59.1,29.9,2.7,8.3,IEF:33.3%;AAPL:33.3%;MUB:33.3%,US:68.7;EU:9.2;APAC:5.8;EM:11.9;Other:4.3,Value:-0.6;Growth:-1.0;Quality:+0.8;Size:+1.0;Momentum:+0.6;LowVol:+0.5,,5,35,5.8,trailing 9%,203,25.8,Bull,15.5,4.41,3.3,81,117,100,51,false,Buy,Add to core equity +1%,-2,-34,BrokerC,MKT,99,None,None,Normal monitoring,65,-19,46,3,false,Tax-aware sells next window
P5439,Systematic,Trust,USD,2025-11-03,1695576,96563,1599013,1.0,63.9,30.7,0.0,5.4,VNQ:21.6%;VOO:26.4%;AAPL:26.4%;AMZN:25.7%,US:64.0;EU:18.5;APAC:10.0;EM:4.4;Other:3.1,Value:+0.4;Growth:+0.6;Quality:+0.5;Size:+0.5;Momentum:+0.7;LowVol:+0.1,,8,35,5.3,trailing 8%,128,20.5,Volatile,21.8,4.97,2.6,160,28,66,57,true,Hedge,Buy index puts 1% notional,-13,-6,BrokerD,LMT,94,VAR>budget,Reduce,Risk above budget threshold,6,-41,65,2,false,Within IPS guidelines
P5440,Opportunistic,Taxable,USD,2025-07-25,316707,21897,294810,1.0,60.4,15.4,18.6,5.5,HYG:16.2%;TLT:10.0%;MSFT:21.1%;AAPL:7.4%;AMZN:22.6%;QQQ:22.6%,US:73.7;EU:6.0;APAC:12.5;EM:5.3;Other:2.5,Value:+0.9;Growth:-0.1;Quality:+1.0;Size:-0.5;Momentum:-0.0;LowVol:+0.4,MaxPos5%,6,25,6.7,hard 12%,272,22.2,Volatile,25.9,5.47,2.3,136,63,81,73,true,Rebalance,Rebalance back to target bands,22,15,BrokerC,LMT,94,VAR>budget,Hedge,Risk above budget threshold,115,-14,214,3,false,Monitor dispersion and breadth
P5441,Opportunistic,401k,USD,2025-05-21,758869,68067,690802,1.23,66.7,17.5,7.8,7.9,QQQ:33.3%;IEF:33.3%;VTI:33.3%,US:61.4;EU:19.2;APAC:11.5;EM:6.4;Other:1.4,Value:+0.5;Growth:-0.9;Quality:-0.4;Size:+0.2;Momentum:+0.8;LowVol:-0.5,MaxPos7%;NoDerivatives,7,30,4.3,trailing 9%,166,28.2,Volatile,25.3,4.16,4.0,150,1,44,78,true,Reduce,"Cut high-beta by 2-3%, add cash",2,-30,BrokerA,MKT,85,VAR>budget,Hedge,Risk above budget threshold,-3,-41,28,3,false,Within IPS guidelines
P5442,Cautious,Taxable,USD,2024-12-05,182336,28541,153795,1.0,40.2,41.4,6.0,12.3,AAPL:26.9%;QQQ:26.9%;GLD:19.3%;IEF:26.9%,US:59.5;EU:18.3;APAC:11.9;EM:7.3;Other:3.1,Value:-0.1;Growth:+0.2;Quality:+0.8;Size:-0.3;Momentum:-0.9;LowVol:-0.8,NoMargin,5,35,3.3,hard 10%,108,19.5,Volatile,22.2,3.79,3.0,115,-44,38,44,false,NoAction,Within bands; monitor,-1,-32,BrokerB,MKT,0,None,None,Normal monitoring,44,-33,61,3,false,Tax-aware sells next window
P5443,Active,Trust,USD,2024-11-28,710804,54908,655896,1.2,64.5,26.1,4.0,5.3,GLD:22.2%;AAPL:9.9%;MSFT:23.1%;VTI:21.9%;BND:23.1%,US:58.6;EU:17.1;APAC:11.8;EM:10.2;Other:2.4,Value:-0.7;Growth:-0.1;Quality:-0.4;Size:+0.5;Momentum:+0.6;LowVol:-1.0,,8,35,4.5,hard 12%,177,23.6,Bull,12.3,3.57,2.8,82,81,100,44,false,Buy,Add to core equity +1%,24,5,BrokerA,LMT,91,None,None,Normal monitoring,16,-59,16,3,false,Increase defensive factor exposure
P5444,Cautious,Trust,USD,2025-10-18,689176,103812,585364,1.0,35.3,31.0,16.6,17.1,BND:22.7%;BRK.B:7.8%;GLD:22.7%;XLF:9.0%;MUB:22.7%;VOO:15.2%,US:66.5;EU:12.0;APAC:9.3;EM:11.8;Other:0.4,Value:+0.2;Growth:0.0;Quality:+0.1;Size:-0.6;Momentum:+0.5;LowVol:-0.7,MaxPos8%;NoMargin,7,35,6.0,trailing 8%,95,16.5,Bull,14.7,4.4,3.1,81,69,97,20,false,Rebalance,Shift +1% to bonds from equity,30,-8,BrokerC,LMT,90,None,None,Normal monitoring,32,-34,127,3,false,Within IPS guidelines
P5445,Systematic,Roth,USD,2025-06-02,1236648,89594,1147054,1.0,61.9,31.4,0.0,6.7,QQQ:21.7%;AAPL:12.2%;TLT:11.2%;AMZN:12.9%;VNQ:20.4%;TSLA:21.7%,US:63.6;EU:11.7;APAC:11.3;EM:10.5;Other:2.9,Value:-0.1;Growth:+0.8;Quality:-0.3;Size:-0.4;Momentum:-0.5;LowVol:+0.3,,10,25,5.9,trailing 8%,196,26.4,Sideways,19.2,4.99,2.3,127,27,73,62,true,Hedge,Buy index puts 1% notional,-5,-26,BrokerC,VWAP,92,Drift>tolerance,Reduce,Allocation drift beyond policy bands,53,13,189,4,false,Within IPS guidelines
P5446,Hands-off,401k,USD,2025-05-18,201110,18212,182898,1.0,69.0,23.0,0.0,7.9,MUB:24.7%;XLF:12.9%;HYG:24.7%;TSLA:24.7%;GLD:13.0%,US:59.4;EU:20.2;APAC:12.7;EM:4.6;Other:3.1,Value:-0.4;Growth:-0.0;Quality:-0.7;Size:-0.1;Momentum:-0.5;LowVol:+0.9,ESGOnly,10,35,5.6,hard 10%,109,12.2,Bull,17.7,4.96,2.7,85,61,70,49,false,NoAction,Within bands; monitor,20,-39,BrokerD,MKT,0,None,None,Normal monitoring,54,8,175,4,false,Within IPS guidelines
P5447,Opportunistic,Roth,USD,2025-11-05,433147,13415,419732,1.24,60.3,10.1,21.0,8.6,BND:16.5%;XLF:10.5%;VOO:16.2%;TLT:17.8%;VNQ:19.1%;IEF:20.0%,US:68.3;EU:8.7;APAC:13.4;EM:6.9;Other:2.7,Value:-0.2;Growth:-0.7;Quality:-0.3;Size:+0.5;Momentum:-0.4;LowVol:-0.6,MaxPos5%;NoDerivatives,5,25,4.2,trailing 7%,239,33.7,Bull,13.9,3.51,2.6,98,13,57,37,false,Sell,Trim extended winner -1%,7,-18,BrokerD,LMT,91,None,None,Normal monitoring,26,-39,-5,5,false,Tax-aware sells next window
P5448,Hands-off,401k,USD,2025-12-11,546771,34246,512525,1.0,73.1,15.1,2.7,9.2,AAPL:24.7%;QQQ:24.7%;IEF:15.3%;TLT:24.7%;VNQ:10.7%,US:75.9;EU:10.8;APAC:9.2;EM:3.7;Other:0.3,Value:-0.6;Growth:+0.3;Quality:+0.1;Size:+0.4;Momentum:+0.9;LowVol:+0.6,ESGOnly;MaxPos8%,7,25,5.7,hard 10%,156,13.1,Bull,16.9,4.26,2.3,116,69,77,61,false,Buy,Add to core equity +1%,-8,-22,BrokerD,LMT,92,None,None,Normal monitoring,82,-45,46,4,false,Increase defensive factor exposure
P5449,Opportunistic,Trust,USD,2025-04-30,649644,28478,621166,1.0,73.0,16.7,4.1,6.1,BRK.B:33.3%;GLD:33.3%;MSFT:33.3%,US:69.6;EU:6.7;APAC:14.0;EM:7.9;Other:1.9,Value:+0.3;Growth:+0.3;Quality:+1.0;Size:+0.4;Momentum:+0.1;LowVol:-0.7,,7,30,4.1,hard 12%,278,32.1,Bear,29.4,3.38,1.4,196,-91,5,89,true,Hedge,Buy index puts 1% notional,30,10,BrokerA,VWAP,96,VAR>budget,Hedge,Risk above budget threshold,15,-44,148,4,false,Monitor dispersion and breadth
P5450,Systematic,Taxable,USD,2025-12-14,1806558,141135,1665423,1.0,59.2,30.8,4.9,5.2,HYG:16.8%;VOO:20.4%;GLD:13.0%;VTI:22.8%;AMZN:14.1%;XLF:12.8%,US:66.0;EU:14.2;APAC:12.1;EM:3.8;Other:3.9,Value:-0.6;Growth:-0.7;Quality:+0.5;Size:-0.4;Momentum:+0.7;LowVol:-0.8,,5,30,4.8,hard 12%,198,24.9,Sideways,16.6,4.99,2.2,120,54,77,40,false,Buy,Add to core equity +1%,12,-9,BrokerC,MKT,86,None,None,Normal monitoring,92,2,53,3,false,Tax-aware sells next window
P5451,Active,IRA,USD,2025-07-28,2116383,152360,1964023,1.0,62.1,18.1,10.6,9.1,VTI:33.3%;TSLA:33.3%;AMZN:33.3%,US:64.7;EU:16.5;APAC:10.0;EM:5.9;Other:2.9,Value:-0.9;Growth:+0.6;Quality:-0.6;Size:-0.1;Momentum:+0.4;LowVol:+1.0,,8,25,4.9,trailing 8%,206,16.5,Bear,27.2,3.08,3.0,168,-111,6,79,true,Hedge,Buy index puts 1% notional,32,-3,BrokerA,MKT,96,RegimeShift,Reduce,Volatility spike and breadth deterioration,23,-49,-2,4,false,Increase defensive factor exposure
P5452,Hands-off,Roth,USD,2025-03-19,183800,14906,168894,1.0,67.1,20.1,5.0,7.9,GLD:20.1%;VNQ:18.1%;TLT:12.8%;MSFT:12.3%;XLF:17.9%;IEF:18.7%,US:66.6;EU:10.7;APAC:9.1;EM:9.5;Other:4.1,Value:+0.8;Growth:+0.7;Quality:-0.7;Size:-0.6;Momentum:-0.3;LowVol:+0.3,ESGOnly;MaxPos8%,10,25,5.6,hard 10%,98,13.2,Bear,24.6,4.14,3.0,159,-57,17,63,false,Buy,Add to core equity +1%,7,-20,BrokerA,MKT,99,None,None,Normal monitoring,-7,-45,127,3,false,Increase defensive factor exposure
P5453,Hands-off,Roth,USD,2025-11-30,899496,54252,845244,1.0,56.1,29.2,9.1,5.6,AMZN:26.1%;VOO:37.0%;IEF:37.0%,US:63.8;EU:15.6;APAC:9.8;EM:6.4;Other:4.5,Value:+0.2;Growth:-0.7;Quality:+0.3;Size:-0.4;Momentum:-0.6;LowVol:-0.5,ESGOnly,6,30,3.8,hard 10%,163,17.2,Bear,23.1,3.03,1.4,166,-68,15,49,false,Hedge,Add TLT +1% as duration hedge,20,-13,BrokerB,VWAP,93,None,None,Normal monitoring,-43,6,-32,3,false,Tax-aware sells next window
P5454,Hands-off,Roth,USD,2025-06-15,245096,15980,229116,1.0,61.5,26.7,4.5,7.3,GLD:20.4%;TSLA:12.8%;MSFT:9.7%;AMZN:20.9%;QQQ:15.2%;VNQ:20.9%,US:72.6;EU:14.6;APAC:5.1;EM:6.9;Other:0.8,Value:+0.2;Growth:-0.0;Quality:+0.5;Size:+0.1;Momentum:-1.0;LowVol:-0.3,MaxPos5%;NoDerivatives,5,30,4.1,trailing 8%,134,15.6,Bear,26.3,3.99,2.9,211,-52,31,60,false,Sell,Trim extended winner -1%,10,-1,BrokerA,LMT,90,None,None,Normal monitoring,-33,15,-8,5,false,Increase defensive factor exposure
P5455,Cautious,Taxable,USD,2024-10-03,494767,64552,430215,1.0,41.5,35.3,11.7,11.5,XLF:25.0%;QQQ:25.0%;BND:25.0%;VNQ:25.0%,US:63.4;EU:17.7;APAC:12.5;EM:3.4;Other:3.1,Value:+0.2;Growth:-0.8;Quality:+0.2;Size:+0.6;Momentum:-0.4;LowVol:+0.4,MaxPos8%;NoDerivatives;NoMargin,6,35,3.6,trailing 8%,157,17.7,Bull,12.3,4.69,2.7,96,83,100,24,false,Rebalance,Shift +1% to bonds from equity,24,-27,BrokerA,MKT,88,None,None,Normal monitoring,32,-19,110,3,false,Tighten stops on momentum names
P5456,Active,Roth,USD,2024-08-23,773759,78315,695444,1.0,66.0,20.6,6.9,6.4,TLT:20.8%;MUB:26.4%;QQQ:26.4%;BND:26.4%,US:68.1;EU:17.0;APAC:7.4;EM:3.6;Other:3.9,Value:-0.5;Growth:+0.3;Quality:-0.3;Size:+0.8;Momentum:+0.7;LowVol:-0.2,,6,25,4.3,trailing 8%,220,20.7,Sideways,20.5,4.82,2.5,130,44,86,58,false,Hedge,Add TLT +1% as duration hedge,2,10,BrokerB,MKT,89,None,None,Normal monitoring,88,-12,76,3,false,Tax-aware sells next window
P5457,Hands-off,Trust,USD,2025-05-18,606477,53537,552940,1.0,60.5,27.7,6.0,5.8,HYG:21.6%;XLF:15.3%;GLD:10.7%;VNQ:9.4%;MSFT:21.6%;TSLA:21.6%,US:75.0;EU:6.6;APAC:7.1;EM:9.4;Other:1.9,Value:+0.9;Growth:-0.6;Quality:-0.7;Size:-0.1;Momentum:-0.5;LowVol:+0.3,ESGOnly;NoDerivatives,7,25,5.0,trailing 8%,99,17.8,Sideways,18.2,4.02,2.7,102,36,72,50,false,Sell,Trim extended winner -1%,33,-13,BrokerD,LMT,100,None,None,Normal monitoring,-33,-40,-41,3,false,Increase defensive factor exposure
P5458,Opportunistic,IRA,USD,2025-06-01,526958,30679,496279,1.14,67.3,21.4,3.0,8.3,GLD:8.8%;MUB:19.2%;IEF:21.2%;BRK.B:18.5%;TLT:21.2%;HYG:11.0%,US:75.2;EU:13.0;APAC:7.0;EM:4.3;Other:0.5,Value:-0.4;Growth:+0.1;Quality:-0.8;Size:-0.8;Momentum:-0.9;LowVol:+0.5,NoDerivatives,7,25,6.4,hard 12%,211,33.8,Bull,12.7,4.75,3.1,82,110,90,37,false,Sell,Trim extended winner -1%,1,12,BrokerB,MKT,95,None,None,Normal monitoring,34,-4,57,5,false,Monitor dispersion and breadth
P5459,Hands-off,Taxable,USD,2025-10-21,448830,40166,408664,1.0,64.4,23.2,2.7,9.7,BRK.B:13.0%;BND:24.7%;VOO:24.7%;QQQ:17.1%;MUB:20.5%,US:63.2;EU:10.3;APAC:12.3;EM:10.3;Other:3.9,Value:+0.9;Growth:+0.3;Quality:-0.5;Size:+0.6;Momentum:-0.1;LowVol:-0.9,ESGOnly;NoDerivatives,8,25,5.1,trailing 8%,112,14.1,Bear,22.3,3.59,1.8,169,-34,48,58,false,Hedge,Add TLT +1% as duration hedge,16,-12,BrokerD,MKT,87,None,None,Normal monitoring,-5,-18,88,4,false,Tighten stops on momentum names
P5460,Cautious,Roth,USD,2025-07-01,183343,27001,156342,1.0,44.7,37.1,7.9,10.3,AMZN:33.3%;VTI:33.3%;QQQ:33.3%,US:59.9;EU:10.3;APAC:15.5;EM:12.5;Other:1.9,Value:-0.1;Growth:+0.3;Quality:+0.3;Size:+0.6;Momentum:0.0;LowVol:+0.3,MaxPos8%;NoDerivatives;NoMargin,6,35,5.4,trailing 8%,168,12.9,Bull,17.9,4.7,2.9,102,113,100,42,false,Rebalance,Shift +1% to bonds from equity,2,2,BrokerD,MKT,98,None,None,Normal monitoring,102,-41,81,5,false,Monitor dispersion and breadth
P5461,Cautious,Taxable,USD,2025-09-30,750119,114695,635424,1.0,46.6,42.3,0.0,11.1,VOO:33.3%;IEF:33.3%;BRK.B:33.3%,US:73.4;EU:6.2;APAC:14.1;EM:3.6;Other:2.7,Value:-0.8;Growth:-0.6;Quality:-0.3;Size:-1.0;Momentum:+0.8;LowVol:0.0,ESGOnly;NoMargin,7,30,3.5,hard 10%,169,16.5,Volatile,23.7,3.87,2.4,147,-53,10,56,false,NoAction,Within bands; monitor,8,13,BrokerC,MKT,0,None,None,Normal monitoring,-39,-22,23,5,false,Tighten stops on momentum names
P5462,Hands-off,401k,USD,2025-08-23,316902,22574,294328,1.0,68.4,24.2,0.0,7.4,GLD:13.4%;QQQ:20.6%;MSFT:22.0%;VOO:22.0%;TSLA:22.0%,US:59.5;EU:18.8;APAC:9.8;EM:8.8;Other:3.1,Value:-0.8;Growth:-0.3;Quality:-0.1;Size:+0.1;Momentum:+0.7;LowVol:+0.2,ESGOnly,7,30,3.8,trailing 8%,91,13.4,Volatile,31.6,3.71,2.7,179,21,61,74,true,Reduce,"Cut high-beta by 2-3%, add cash",26,-37,BrokerD,MKT,97,RegimeShift,TightenStops,Volatility spike and breadth deterioration,30,-28,63,2,false,Increase defensive factor exposure
P5463,Systematic,Trust,USD,2025-05-02,718722,30585,688137,1.0,65.4,21.3,7.2,6.1,TSLA:25.4%;MUB:25.4%;TLT:25.4%;IEF:23.7%,US:70.3;EU:10.9;APAC:7.9;EM:6.5;Other:4.5,Value:-0.1;Growth:+0.8;Quality:+0.4;Size:+0.3;Momentum:+0.4;LowVol:-0.4,NoDerivatives,5,25,4.3,trailing 8%,214,24.4,Bull,13.3,4.41,2.9,86,103,90,35,false,Rebalance,Shift +1% to bonds from equity,-8,-18,BrokerC,VWAP,98,None,None,Normal monitoring,27,-40,137,5,false,Tax-aware sells next window
P5464,Hands-off,Roth,USD,2025-06-18,296340,18359,277981,1.0,73.0,21.0,0.0,6.0,MSFT:12.9%;VOO:23.7%;GLD:23.7%;XLF:18.5%;BRK.B:21.3%,US:64.3;EU:9.7;APAC:15.0;EM:9.1;Other:1.9,Value:-1.0;Growth:-0.6;Quality:+0.1;Size:-0.0;Momentum:+0.6;LowVol:+0.9,ESGOnly;MaxPos6%,8,35,5.5,trailing 10%,146,16.1,Volatile,20.2,5.15,2.1,141,5,47,71,true,Reduce,"Cut high-beta by 2-3%, add cash",29,14,BrokerB,VWAP,96,VAR>budget,Hedge,Risk above budget threshold,-35,-11,104,5,false,Tighten stops on momentum names
P5465,Cautious,Trust,USD,2025-04-28,637381,79092,558289,1.0,47.7,42.1,0.0,10.2,BND:24.6%;XLF:20.9%;VOO:24.6%;IEF:17.5%;AMZN:12.4%,US:67.4;EU:11.8;APAC:12.6;EM:3.7;Other:4.5,Value:-1.0;Growth:-0.3;Quality:-0.4;Size:0.0;Momentum:-0.6;LowVol:+0.7,NoMargin,6,30,4.1,trailing 8%,147,17.3,Bear,26.4,4.05,2.4,143,12,51,51,false,Rebalance,Shift +1% to bonds from equity,-10,-21,BrokerC,LMT,86,None,None,Normal monitoring,-45,9,-23,3,false,Increase defensive factor exposure
P5466,Opportunistic,Taxable,USD,2025-04-15,960617,50714,909903,1.19,73.1,11.5,8.8,6.6,BRK.B:33.3%;MUB:33.3%;VTI:33.3%,US:63.5;EU:8.9;APAC:13.7;EM:10.5;Other:3.4,Value:-0.1;Growth:+1.0;Quality:+0.9;Size:+0.4;Momentum:-0.7;LowVol:-0.1,NoDerivatives,6,35,6.6,trailing 9%,266,25.6,Sideways,16.0,4.21,2.9,104,13,71,65,false,Hedge,Add TLT +1% as duration hedge,-6,-6,BrokerB,MKT,95,None,None,Normal monitoring,-42,-8,-64,3,false,Tighten stops on momentum names
P5467,Active,Trust,USD,2025-01-27,636847,64541,572306,1.0,60.0,18.6,14.8,6.6,GLD:17.3%;BND:23.3%;BRK.B:10.9%;IEF:23.3%;QQQ:13.9%;VNQ:11.4%,US:62.5;EU:15.7;APAC:8.2;EM:10.6;Other:3.0,Value:+0.2;Growth:-0.2;Quality:-1.0;Size:-0.2;Momentum:-0.0;LowVol:+0.2,NoDerivatives,7,35,5.5,trailing 9%,179,22.0,Sideways,21.9,4.09,3.2,122,51,69,50,false,NoAction,Within bands; monitor,23,-14,BrokerD,MKT,0,None,None,Normal monitoring,-50,-42,-17,5,false,Increase defensive factor exposure
P5468,Systematic,Roth,USD,2024-11-24,960683,77792,882891,1.0,55.7,25.4,11.3,7.7,MUB:18.3%;VNQ:27.2%;TLT:27.2%;MSFT:27.2%,US:68.4;EU:11.8;APAC:11.2;EM:3.5;Other:5.2,Value:+0.5;Growth:-0.8;Quality:+0.5;Size:+0.2;Momentum:0.0;LowVol:-0.3,MaxPos6%,7,25,5.9,trailing 8%,213,25.9,Sideways,14.1,3.93,3.0,128,57,71,33,false,NoAction,Within bands; monitor,-10,8,BrokerC,MKT,0,None,None,Normal monitoring,-51,-14,-70,3,false,Tighten stops on momentum names
P5469,Active,Taxable,USD,2025-03-07,1879074,112806,1766268,1.0,52.2,18.7,20.6,8.5,BND:24.8%;MSFT:25.7%;VNQ:23.9%;VTI:25.7%,US:62.1;EU:15.9;APAC:10.2;EM:8.3;Other:3.6,Value:-0.8;Growth:-0.6;Quality:-0.3;Size:+0.7;Momentum:-0.7;LowVol:+0.3,NoDerivatives,10,25,5.0,trailing 8%,172,20.6,Volatile,31.6,3.98,2.3,123,-32,34,68,false,NoAction,Within bands; monitor,20,-17,BrokerA,LMT,95,None,None,Normal monitoring,7,-60,21,5,false,Within IPS guidelines
P5470,Hands-off,401k,USD,2025-05-27,641615,34919,606696,1.0,69.3,22.8,0.0,7.9,TLT:23.1%;AMZN:23.1%;BRK.B:13.9%;HYG:16.7%;MUB:23.1%,US:54.7;EU:17.2;APAC:14.2;EM:11.9;Other:2.0,Value:+0.9;Growth:+0.8;Quality:-0.7;Size:0.0;Momentum:+0.7;LowVol:+0.1,ESGOnly;MaxPos6%,5,25,4.8,trailing 8%,101,15.7,Bull,12.6,4.43,3.3,84,37,70,43,true,Rebalance,Rebalance back to target bands,-8,-27,BrokerB,MKT,100,VAR>budget,Pause,Risk above budget threshold,59,0,193,2,false,Tighten stops on momentum names
P5471,Cautious,Trust,USD,2024-07-24,537958,74223,463735,1.0,44.6,32.1,6.0,17.4,BRK.B:21.7%;QQQ:14.9%;TLT:21.7%;AAPL:19.9%;GLD:21.7%,US:65.9;EU:13.4;APAC:12.7;EM:3.6;Other:4.3,Value:+0.8;Growth:-0.5;Quality:-0.9;Size:-0.6;Momentum:-0.1;LowVol:+0.9,MaxPos7%;NoMargin,7,25,5.6,trailing 10%,105,14.3,Volatile,22.2,4.31,4.5,122,41,56,57,false,Sell,Trim extended winner -1%,-11,5,BrokerD,VWAP,88,None,None,Normal monitoring,99,-13,213,3,false,Monitor dispersion and breadth
P5472,Cautious,Roth,USD,2025-01-02,837051,69607,767444,1.0,35.7,30.5,17.5,16.3,VOO:33.3%;BRK.B:33.3%;IEF:33.3%,US:68.4;EU:14.6;APAC:7.1;EM:6.2;Other:3.7,Value:+0.3;Growth:-0.5;Quality:-0.4;Size:-0.0;Momentum:-0.2;LowVol:+0.7,ESGOnly;NoDerivatives;NoMargin,6,25,5.0,trailing 8%,165,12.7,Bear,22.0,4.35,1.2,214,-106,5,39,false,Buy,Add to core equity +1%,33,3,BrokerB,LMT,100,None,None,Normal monitoring,-3,-2,49,3,false,Tighten stops on momentum names
P5473,Opportunistic,Taxable,USD,2025-07-03,333015,13419,319596,1.17,68.1,15.4,8.5,8.0,VNQ:19.7%;IEF:14.5%;MUB:21.9%;HYG:12.8%;QQQ:21.9%;MSFT:9.1%,US:64.6;EU:9.0;APAC:13.5;EM:9.1;Other:3.8,Value:-0.9;Growth:-0.4;Quality:-0.5;Size:-0.4;Momentum:+0.5;LowVol:+0.9,MaxPos5%,10,35,4.0,trailing 9%,194,26.2,Volatile,24.7,4.11,3.0,150,-47,13,66,false,Rebalance,Shift +1% to bonds from equity,0,-33,BrokerB,MKT,90,None,None,Normal monitoring,-31,5,-11,4,false,Tighten stops on momentum names
P5474,Active,Taxable,USD,2024-09-23,1032974,67438,965536,1.0,58.1,26.8,6.8,8.4,VTI:22.4%;MSFT:24.9%;VOO:16.1%;TSLA:11.8%;IEF:24.9%,US:74.4;EU:13.6;APAC:7.1;EM:3.6;Other:1.4,Value:+0.2;Growth:-0.3;Quality:-0.4;Size:+0.8;Momentum:0.0;LowVol:-0.5,NoDerivatives,8,30,5.0,trailing 8%,225,26.3,Bull,17.2,4.31,3.2,108,116,98,49,false,Rebalance,Shift +1% to bonds from equity,27,-10,BrokerA,LMT,85,None,None,Normal monitoring,54,8,79,4,false,Within IPS guidelines
P5475,Active,IRA,USD,2025-10-25,1027927,79525,948402,1.0,62.8,28.9,0.0,8.3,MSFT:21.7%;TSLA:14.8%;IEF:21.7%;BRK.B:21.7%;GLD:20.2%,US:68.5;EU:13.9;APAC:5.4;EM:9.3;Other:2.8,Value:-0.6;Growth:-1.0;Quality:+1.0;Size:+0.2;Momentum:+0.1;LowVol:+0.3,MaxPos6%,8,35,4.0,trailing 8%,168,20.6,Sideways,17.3,4.12,2.9,129,51,80,62,false,Buy,Add to core equity +1%,7,14,BrokerB,MKT,95,None,None,Normal monitoring,38,-56,21,4,false,Tighten stops on momentum names
P5476,Hands-off,Trust,USD,2025-07-08,740945,72508,668437,1.0,58.6,16.4,17.2,7.8,AMZN:28.3%;QQQ:25.5%;VTI:28.3%;TLT:17.9%,US:63.0;EU:13.6;APAC:7.2;EM:10.6;Other:5.6,Value:-0.4;Growth:+0.9;Quality:+0.6;Size:-0.3;Momentum:+0.2;LowVol:-0.9,,8,30,4.4,hard 10%,119,14.2,Sideways,20.3,4.08,3.4,121,60,66,45,false,Rebalance,Shift +1% to bonds from equity,17,-39,BrokerB,MKT,91,None,None,Normal monitoring,79,-28,109,4,false,Monitor dispersion and breadth
P5477,Cautious,Taxable,USD,2024-11-08,235894,33039,202855,1.0,51.1,30.3,4.6,14.0,AAPL:23.2%;GLD:27.1%;TSLA:27.1%;BND:22.6%,US:74.7;EU:7.1;APAC:6.4;EM:10.8;Other:1.0,Value:+0.5;Growth:+0.1;Quality:-0.1;Size:-0.7;Momentum:-1.0;LowVol:-0.1,NoMargin,10,35,4.2,trailing 8%,99,17.7,Bull,17.6,4.16,2.1,85,38,84,38,false,Buy,Add to core equity +1%,21,-14,BrokerB,LMT,98,None,None,Normal monitoring,65,-50,204,4,false,Monitor dispersion and breadth
P5478,Active,Trust,USD,2024-07-28,1926145,124285,1801860,1.07,54.4,30.4,9.5,5.7,TSLA:8.1%;VOO:10.7%;XLF:14.8%;HYG:22.1%;QQQ:22.1%;GLD:22.1%,US:55.9;EU:16.0;APAC:10.9;EM:12.8;Other:4.4,Value:-0.5;Growth:+0.3;Quality:-0.9;Size:+0.6;Momentum:-0.3;LowVol:-0.8,NoDerivatives,7,35,5.8,trailing 8%,121,21.0,Volatile,25.6,4.81,2.3,123,20,63,70,false,NoAction,Within bands; monitor,20,11,BrokerD,MKT,0,None,None,Normal monitoring,79,-54,199,3,false,Tax-aware sells next window
P5479,Active,IRA,USD,2024-10-25,1951751,157579,1794172,1.0,59.2,27.7,7.9,5.3,AAPL:33.3%;TLT:33.3%;QQQ:33.3%,US:60.0;EU:10.1;APAC:16.0;EM:11.4;Other:2.6,Value:-0.3;Growth:0.0;Quality:+0.4;Size:-1.0;Momentum:+0.1;LowVol:-0.0,MaxPos8%,5,35,5.4,hard 12%,204,25.3,Bull,13.7,4.24,3.3,70,60,89,43,false,NoAction,Within bands; monitor,0,-36,BrokerB,MKT,0,None,None,Normal monitoring,63,-60,93,5,false,Within IPS guidelines
P5480,Hands-off,Taxable,USD,2024-07-19,403021,37123,365898,1.0,67.1,21.5,5.0,6.5,AMZN:24.9%;GLD:25.8%;TSLA:23.6%;HYG:25.8%,US:63.8;EU:18.4;APAC:6.8;EM:9.2;Other:1.9,Value:-0.3;Growth:-0.7;Quality:-0.3;Size:-0.7;Momentum:-1.0;LowVol:+0.1,ESGOnly,6,30,5.6,trailing 8%,152,19.1,Volatile,23.5,3.52,4.1,121,59,91,77,true,Rebalance,Rebalance back to target bands,-12,9,BrokerA,MKT,92,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-49,-49,38,2,false,Tighten stops on momentum names
P5481,Systematic,Taxable,USD,2024-07-17,1494751,114598,1380153,1.0,60.5,23.5,8.1,7.9,AMZN:25.0%;TLT:25.0%;QQQ:25.0%;MSFT:25.0%,US:60.4;EU:16.0;APAC:14.9;EM:7.6;Other:0.9,Value:-0.5;Growth:-0.9;Quality:-1.0;Size:+0.8;Momentum:+0.4;LowVol:+0.5,MaxPos8%,7,35,5.0,hard 12%,133,23.6,Volatile,29.4,4.83,3.3,149,13,56,80,true,Reduce,"Cut high-beta by 2-3%, add cash",2,7,BrokerA,MKT,86,VAR>budget,Reduce,Risk above budget threshold,45,-11,90,4,true,Tax-aware sells next window
P5482,Cautious,Trust,USD,2025-04-14,664653,79318,585335,1.0,52.7,36.7,0.5,10.1,GLD:28.8%;TLT:28.8%;VTI:23.3%;HYG:19.1%,US:62.8;EU:21.7;APAC:7.9;EM:6.2;Other:1.3,Value:-0.3;Growth:-0.3;Quality:-0.1;Size:-0.7;Momentum:-0.3;LowVol:-0.0,MaxPos7%;NoMargin,10,25,5.5,trailing 10%,119,13.8,Bear,24.7,3.61,1.9,158,40,57,64,false,NoAction,Within bands; monitor,30,-4,BrokerD,MKT,0,None,None,Normal monitoring,107,4,191,3,false,Increase defensive factor exposure
P5483,Cautious,Taxable,USD,2024-08-14,726636,96830,629806,1.0,51.2,38.0,0.0,10.7,VTI:27.0%;VOO:27.0%;XLF:27.0%;VNQ:19.0%,US:72.6;EU:6.9;APAC:5.5;EM:10.5;Other:4.5,Value:-0.0;Growth:-1.0;Quality:-0.8;Size:+1.0;Momentum:-0.9;LowVol:-0.1,ESGOnly;NoMargin,10,30,3.8,trailing 8%,98,16.3,Volatile,31.7,5.36,2.5,113,35,75,74,true,Rebalance,Rebalance back to target bands,9,-36,BrokerC,LMT,96,VAR>budget,Reduce,Risk above budget threshold,110,-23,130,5,false,Tax-aware sells next window
P5484,Active,401k,USD,2025-09-07,909888,78817,831071,1.0,63.1,28.9,0.0,8.0,GLD:28.3%;MUB:28.3%;VOO:28.3%;TSLA:15.2%,US:57.2;EU:21.7;APAC:11.6;EM:5.5;Other:4.1,Value:-1.0;Growth:-0.5;Quality:0.0;Size:+1.0;Momentum:-0.9;LowVol:-0.1,NoDerivatives,5,25,4.0,trailing 9%,162,20.6,Bull,13.7,4.12,2.5,117,85,96,46,false,Rebalance,Shift +1% to bonds from equity,14,-16,BrokerA,MKT,92,None,None,Normal monitoring,32,-52,26,4,false,Within IPS guidelines
P5485,Cautious,Taxable,USD,2025-03-24,321503,44904,276599,1.0,52.8,37.1,0.0,10.1,XLF:20.3%;GLD:16.4%;AMZN:20.3%;VNQ:14.2%;MSFT:16.8%;VTI:12.1%,US:59.6;EU:17.1;APAC:11.3;EM:10.3;Other:1.8,Value:+0.1;Growth:+1.0;Quality:-0.8;Size:+0.7;Momentum:+0.6;LowVol:+0.9,ESGOnly;MaxPos7%;NoDerivatives;NoMargin,7,25,5.8,trailing 10%,122,19.3,Bear,28.9,3.96,2.9,137,-80,16,62,false,Buy,Add to core equity +1%,30,-3,BrokerA,VWAP,85,None,None,Normal monitoring,19,-39,118,5,false,Tax-aware sells next window
P5486,Systematic,Taxable,USD,2025-04-24,1214057,84589,1129468,1.0,58.6,34.0,0.0,7.4,XLF:23.2%;GLD:13.4%;IEF:17.1%;AAPL:23.2%;VOO:23.2%,US:59.0;EU:15.3;APAC:14.1;EM:8.0;Other:3.6,Value:-0.7;Growth:-0.4;Quality:+0.1;Size:+0.9;Momentum:+0.5;LowVol:-0.4,MaxPos6%,10,30,5.6,trailing 9%,211,21.8,Bear,31.2,3.93,1.1,171,-25,43,78,true,Reduce,"Cut high-beta by 2-3%, add cash",19,-3,BrokerA,MKT,86,RegimeShift,Hedge,Volatility spike and breadth deterioration,-16,18,110,5,false,Monitor dispersion and breadth
P5487,Systematic,Roth,USD,2025-04-19,624631,44386,580245,1.0,57.0,32.0,3.6,7.4,HYG:19.4%;GLD:20.2%;VOO:12.2%;TSLA:24.1%;IEF:24.1%,US:65.5;EU:15.3;APAC:7.9;EM:10.1;Other:1.1,Value:-0.7;Growth:-0.6;Quality:+0.2;Size:+0.2;Momentum:-0.5;LowVol:-0.8,NoDerivatives,7,25,5.3,trailing 8%,133,24.5,Bull,14.7,4.32,3.2,109,68,74,42,true,Reduce,"Cut high-beta by 2-3%, add cash",35,-6,BrokerB,MKT,93,VAR>budget,Hedge,Risk above budget threshold,53,1,120,5,false,Monitor dispersion and breadth
P5488,Opportunistic,IRA,USD,2024-12-01,768103,29793,738310,1.0,62.9,13.7,15.2,8.2,QQQ:20.3%;GLD:22.7%;BRK.B:15.1%;VNQ:22.7%;MUB:19.2%,US:69.9;EU:14.9;APAC:5.1;EM:8.5;Other:1.6,Value:-0.9;Growth:+0.3;Quality:-0.8;Size:+0.4;Momentum:+0.8;LowVol:-1.0,NoDerivatives,7,25,6.5,trailing 7%,185,32.9,Bull,11.2,4.09,2.1,75,95,94,34,false,Rebalance,Shift +1% to bonds from equity,25,-10,BrokerA,LMT,86,None,None,Normal monitoring,1,-4,139,4,false,Tighten stops on momentum names
P5489,Systematic,Trust,USD,2024-12-07,1230164,103022,1127142,1.0,56.7,30.4,5.6,7.3,VTI:16.4%;QQQ:25.2%;VOO:18.7%;MUB:14.6%;BRK.B:25.2%,US:59.1;EU:14.9;APAC:8.8;EM:13.2;Other:3.9,Value:+0.3;Growth:-0.8;Quality:+0.6;Size:-0.8;Momentum:+0.4;LowVol:+0.6,MaxPos6%,8,30,4.6,trailing 8%,157,21.8,Volatile,31.0,3.78,4.4,138,-44,16,79,true,Rebalance,Rebalance back to target bands,18,-20,BrokerC,LMT,91,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-6,-52,126,2,false,Increase defensive factor exposure
P5490,Opportunistic,Trust,USD,2024-08-26,1179788,53491,1126297,1.0,65.4,17.9,9.6,7.1,IEF:24.3%;BRK.B:24.3%;TSLA:24.3%;VOO:8.7%;MUB:18.5%,US:65.9;EU:6.7;APAC:14.6;EM:9.8;Other:3.0,Value:-0.8;Growth:-0.6;Quality:+0.6;Size:-0.5;Momentum:-0.9;LowVol:+0.6,,6,35,6.8,trailing 9%,210,34.3,Bull,15.3,4.3,2.9,112,101,96,43,false,Sell,Trim extended winner -1%,34,-5,BrokerB,LMT,93,None,None,Normal monitoring,-7,-10,83,3,false,Tighten stops on momentum names
P5491,Hands-off,Taxable,USD,2025-09-23,489731,43179,446552,1.0,61.7,29.0,3.4,5.8,TSLA:20.2%;IEF:26.6%;TLT:26.6%;BRK.B:26.6%,US:70.3;EU:11.1;APAC:10.3;EM:5.6;Other:2.6,Value:-0.5;Growth:0.0;Quality:+0.3;Size:+0.1;Momentum:-0.8;LowVol:+0.2,ESGOnly;NoDerivatives,6,35,3.7,trailing 8%,168,19.2,Volatile,27.3,5.14,4.5,123,-9,35,72,true,Hedge,Buy index puts 1% notional,4,14,BrokerC,LMT,91,RegimeShift,Pause,Volatility spike and breadth deterioration,57,-25,147,5,false,Monitor dispersion and breadth
P5492,Cautious,401k,USD,2025-12-01,768101,93377,674724,1.0,49.4,39.5,0.0,11.1,VNQ:23.0%;BND:23.0%;IEF:19.5%;AAPL:23.0%;HYG:11.6%,US:58.0;EU:18.9;APAC:13.8;EM:4.2;Other:5.1,Value:-0.6;Growth:-0.3;Quality:-0.8;Size:+0.1;Momentum:+0.6;LowVol:+0.2,NoDerivatives;NoMargin,10,25,4.3,hard 10%,163,17.2,Volatile,27.2,4.01,3.4,131,42,61,60,false,NoAction,Within bands; monitor,8,-12,BrokerC,LMT,89,None,None,Normal monitoring,106,-1,212,4,false,Tax-aware sells next window
P5493,Opportunistic,Trust,USD,2024-08-06,1257889,58398,1199491,1.0,72.7,21.6,0.0,5.7,HYG:37.1%;TSLA:37.1%;MUB:25.8%,US:67.5;EU:9.0;APAC:12.4;EM:8.6;Other:2.6,Value:+0.5;Growth:-0.8;Quality:+0.8;Size:-0.9;Momentum:0.0;LowVol:+0.5,,10,25,6.3,trailing 7%,168,24.7,Bull,14.6,4.21,3.4,76,4,46,45,false,Rebalance,Shift +1% to bonds from equity,22,-24,BrokerD,LMT,94,None,None,Normal monitoring,73,18,158,4,false,Tax-aware sells next window
P5494,Active,Roth,USD,2025-03-05,1742198,134795,1607403,1.0,64.4,24.1,4.7,6.7,QQQ:28.2%;BRK.B:15.5%;MSFT:28.2%;IEF:28.2%,US:72.0;EU:10.4;APAC:11.9;EM:5.3;Other:0.4,Value:+0.2;Growth:-0.0;Quality:-0.8;Size:-0.9;Momentum:+0.6;LowVol:-0.7,,10,35,4.6,trailing 8%,160,21.4,Volatile,21.1,4.84,2.9,160,-1,40,62,false,Rebalance,Shift +1% to bonds from equity,26,8,BrokerB,MKT,90,None,None,Normal monitoring,74,-36,141,4,false,Monitor dispersion and breadth
P5495,Cautious,IRA,USD,2025-06-25,592161,90422,501739,1.0,35.0,37.4,17.0,10.6,GLD:16.9%;BND:9.2%;TSLA:14.1%;QQQ:22.7%;HYG:22.7%;MUB:14.3%,US:61.9;EU:18.3;APAC:11.8;EM:3.9;Other:4.1,Value:+0.3;Growth:-0.5;Quality:-0.5;Size:+0.7;Momentum:-0.8;LowVol:+0.9,NoMargin,7,30,4.1,hard 10%,92,13.8,Sideways,14.5,4.05,2.7,131,-25,42,40,false,Buy,Add to core equity +1%,-15,-23,BrokerA,VWAP,96,None,None,Normal monitoring,-52,-36,-39,4,false,Tax-aware sells next window
P5496,Hands-off,Trust,USD,2025-11-13,253261,13974,239287,1.0,65.1,21.0,7.1,6.8,BRK.B:16.2%;IEF:7.8%;HYG:20.0%;MSFT:19.3%;QQQ:19.2%;VNQ:17.5%,US:67.7;EU:10.5;APAC:10.5;EM:10.0;Other:1.2,Value:-0.1;Growth:0.0;Quality:+0.5;Size:+0.1;Momentum:+0.7;LowVol:-0.8,ESGOnly,7,35,4.7,hard 10%,169,17.4,Volatile,20.9,4.24,3.5,123,-47,23,55,true,Reduce,"Cut high-beta by 2-3%, add cash",3,-30,BrokerA,LMT,94,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-21,-14,-11,2,false,Tax-aware sells next window
P5497,Active,Roth,USD,2024-08-08,608012,39799,568213,1.0,54.3,27.6,12.6,5.4,BRK.B:9.7%;TSLA:23.0%;AAPL:23.0%;VOO:23.0%;XLF:21.2%,US:64.4;EU:10.3;APAC:9.9;EM:11.7;Other:3.7,Value:+0.4;Growth:+0.1;Quality:-0.8;Size:-0.1;Momentum:+0.3;LowVol:-0.0,MaxPos6%;NoDerivatives,5,25,5.4,trailing 9%,181,26.2,Volatile,27.4,4.6,3.2,156,-50,35,66,false,Hedge,Add TLT +1% as duration hedge,-6,-29,BrokerD,LMT,90,None,None,Normal monitoring,-40,-28,-48,4,false,Tax-aware sells next window
P5498,Cautious,Taxable,USD,2025-10-14,614836,56287,558549,1.0,42.4,31.8,13.9,11.9,HYG:26.6%;GLD:26.6%;VTI:20.3%;TLT:26.6%,US:73.8;EU:14.3;APAC:6.8;EM:4.0;Other:1.1,Value:+0.9;Growth:+0.4;Quality:-0.4;Size:+0.7;Momentum:+0.6;LowVol:-0.9,ESGOnly;MaxPos8%;NoMargin,5,25,5.7,hard 10%,111,17.5,Volatile,22.6,4.72,3.0,148,14,70,55,false,NoAction,Within bands; monitor,17,-16,BrokerD,MKT,0,None,None,Normal monitoring,120,-59,137,4,false,Tax-aware sells next window
P5499,Cautious,Roth,USD,2025-09-09,189104,22932,166172,1.0,37.2,36.2,14.9,11.7,HYG:9.8%;TSLA:17.8%;BND:9.5%;QQQ:23.1%;AAPL:16.7%;MSFT:23.1%,US:65.3;EU:12.1;APAC:10.0;EM:9.9;Other:2.7,Value:+0.6;Growth:-0.9;Quality:+0.2;Size:+0.2;Momentum:+0.8;LowVol:-1.0,MaxPos7%;NoDerivatives;NoMargin,6,30,4.4,trailing 8%,129,16.6,Sideways,19.0,4.17,3.1,139,-4,45,41,false,Buy,Add to core equity +1%,-5,7,BrokerB,LMT,99,None,None,Normal monitoring,85,-39,105,3,false,Within IPS guidelines
P5500,Systematic,IRA,USD,2024-11-07,1460512,125767,1334745,1.0,64.9,21.6,7.0,6.5,QQQ:21.8%;XLF:18.5%;GLD:17.9%;AAPL:19.9%;HYG:21.8%,US:72.4;EU:12.7;APAC:7.4;EM:5.2;Other:2.3,Value:+0.6;Growth:-0.7;Quality:+0.3;Size:-0.7;Momentum:0.0;LowVol:-0.0,,7,30,4.2,trailing 9%,165,20.3,Bear,34.2,3.67,1.7,216,-34,18,97,true,Reduce,"Cut high-beta by 2-3%, add cash",-15,-29,BrokerA,LMT,99,Drift>tolerance,Pause,Allocation drift beyond policy bands,100,-6,140,4,false,Tighten stops on momentum names
P5501,Hands-off,Trust,USD,2024-08-02,262105,13270,248835,1.0,68.6,19.5,4.8,7.1,MSFT:33.3%;QQQ:33.3%;BRK.B:33.3%,US:61.0;EU:6.5;APAC:17.0;EM:9.8;Other:5.7,Value:+0.2;Growth:0.0;Quality:-0.5;Size:+0.3;Momentum:-0.4;LowVol:+0.9,MaxPos6%;NoDerivatives,8,35,3.3,trailing 10%,156,18.8,Bear,29.8,3.25,1.5,181,19,66,82,true,Hedge,Buy index puts 1% notional,-12,-29,BrokerA,LMT,92,RegimeShift,Hedge,Volatility spike and breadth deterioration,-22,-45,79,2,false,Monitor dispersion and breadth
P5502,Opportunistic,Roth,USD,2025-08-14,825597,45420,780177,1.0,67.0,19.1,7.5,6.4,MUB:33.3%;BND:33.3%;MSFT:33.3%,US:76.6;EU:8.2;APAC:8.8;EM:3.0;Other:3.3,Value:-0.0;Growth:-0.7;Quality:-0.6;Size:+0.1;Momentum:-0.2;LowVol:-1.0,MaxPos5%,7,30,6.2,trailing 9%,213,24.3,Bear,32.6,3.01,2.2,160,-95,5,80,true,Rebalance,Rebalance back to target bands,14,0,BrokerA,MKT,100,Drift>tolerance,Pause,Allocation drift beyond policy bands,-32,12,-64,5,false,Tighten stops on momentum names
P5503,Hands-off,IRA,USD,2025-09-20,313840,18026,295814,1.0,62.8,29.1,3.1,5.1,QQQ:20.7%;MSFT:15.1%;HYG:16.8%;BRK.B:20.7%;MUB:15.9%;IEF:10.8%,US:61.0;EU:17.7;APAC:12.9;EM:3.7;Other:4.6,Value:-0.3;Growth:+0.6;Quality:-0.5;Size:+0.3;Momentum:+0.2;LowVol:+0.7,ESGOnly,6,25,5.5,trailing 8%,139,19.9,Bull,16.6,3.55,2.4,76,106,88,58,false,Buy,Add to core equity +1%,6,5,BrokerA,MKT,90,None,None,Normal monitoring,-3,-40,-18,5,false,Tighten stops on momentum names
P5504,Systematic,Trust,USD,2024-10-16,1718479,71153,1647326,1.0,57.7,32.6,0.0,9.8,AMZN:24.6%;BND:19.9%;VOO:27.8%;AAPL:27.8%,US:61.7;EU:14.3;APAC:15.0;EM:5.1;Other:3.9,Value:+0.2;Growth:-0.7;Quality:-0.7;Size:-0.7;Momentum:+0.5;LowVol:+0.9,MaxPos8%,6,25,4.0,hard 12%,177,19.2,Volatile,24.1,3.76,3.5,126,16,56,65,false,Rebalance,Shift +1% to bonds from equity,2,-23,BrokerC,MKT,99,None,None,Normal monitoring,14,-25,105,4,false,Monitor dispersion and breadth
P5505,Systematic,Trust,USD,2025-08-15,1724946,167725,1557221,1.0,67.7,24.1,1.9,6.3,HYG:33.3%;MUB:33.3%;BRK.B:33.3%,US:70.6;EU:6.9;APAC:9.9;EM:8.1;Other:4.6,Value:-0.6;Growth:-0.2;Quality:+0.4;Size:-0.6;Momentum:+0.5;LowVol:-0.2,NoDerivatives,7,25,4.5,hard 12%,154,19.2,Bull,17.1,4.41,3.1,113,39,75,46,false,Rebalance,Shift +1% to bonds from equity,15,-15,BrokerC,LMT,91,None,None,Normal monitoring,90,-18,178,4,false,Tax-aware sells next window
P5506,Opportunistic,Taxable,USD,2024-07-13,1432742,55444,1377298,1.0,66.3,19.2,5.8,8.7,TSLA:20.9%;MSFT:8.3%;AAPL:14.2%;MUB:18.0%;AMZN:20.9%;XLF:17.8%,US:72.0;EU:16.0;APAC:7.9;EM:2.9;Other:1.3,Value:-1.0;Growth:-0.5;Quality:+0.3;Size:-0.3;Momentum:+0.6;LowVol:+0.2,MaxPos8%,10,25,4.8,hard 12%,271,33.9,Bull,11.1,3.72,3.4,79,32,73,39,false,Buy,Add to core equity +1%,16,-22,BrokerB,MKT,91,None,None,Normal monitoring,93,12,160,5,false,Tax-aware sells next window
P5507,Opportunistic,Trust,USD,2025-02-27,789100,62899,726201,1.0,72.4,19.7,0.0,7.9,IEF:19.6%;BND:14.4%;QQQ:22.1%;VTI:22.1%;VOO:21.8%,US:66.4;EU:14.9;APAC:9.3;EM:9.2;Other:0.2,Value:+1.0;Growth:+0.5;Quality:-0.3;Size:-0.7;Momentum:+0.1;LowVol:-0.4,MaxPos6%,5,25,5.3,trailing 9%,193,26.7,Bull,15.2,4.97,2.9,70,95,100,58,false,Rebalance,Shift +1% to bonds from equity,31,-11,BrokerC,MKT,95,None,None,Normal monitoring,-55,-35,70,4,false,Tighten stops on momentum names
P5508,Systematic,Taxable,USD,2025-07-03,1504899,132062,1372837,1.0,68.4,21.6,3.3,6.7,MUB:14.7%;GLD:10.0%;MSFT:21.9%;BND:20.1%;VTI:21.9%;QQQ:11.4%,US:65.0;EU:16.8;APAC:5.6;EM:9.1;Other:3.5,Value:-0.3;Growth:-0.7;Quality:-0.5;Size:+0.9;Momentum:+0.4;LowVol:+0.2,,5,30,4.5,trailing 9%,229,22.4,Bull,12.0,3.63,3.3,111,116,99,37,false,Hedge,Add TLT +1% as duration hedge,-4,-16,BrokerC,VWAP,96,None,None,Normal monitoring,-13,-23,-33,5,false,Increase defensive factor exposure
P5509,Opportunistic,Trust,USD,2025-11-24,1132743,56978,1075765,1.0,65.2,11.5,17.5,5.8,BRK.B:13.5%;AMZN:20.7%;VNQ:21.1%;VOO:13.6%;MSFT:21.1%;BND:9.9%,US:63.0;EU:16.6;APAC:11.5;EM:7.0;Other:1.9,Value:-0.9;Growth:+0.7;Quality:+0.8;Size:-0.3;Momentum:-0.2;LowVol:-0.7,MaxPos7%;NoDerivatives,8,25,6.9,trailing 9%,256,26.4,Bull,11.7,3.96,2.5,81,117,97,32,false,NoAction,Within bands; monitor,9,-37,BrokerB,MKT,0,None,None,Normal monitoring,95,-9,140,5,false,Tighten stops on momentum names
P5510,Opportunistic,401k,USD,2025-07-16,1018114,55688,962426,1.0,69.6,21.7,4.0,4.7,AAPL:23.8%;QQQ:14.8%;VNQ:13.6%;TSLA:23.8%;HYG:23.8%,US:60.0;EU:15.1;APAC:12.7;EM:9.5;Other:2.7,Value:-0.3;Growth:+0.1;Quality:+0.9;Size:-0.1;Momentum:-0.1;LowVol:+0.4,,10,30,4.6,trailing 9%,191,32.8,Volatile,24.5,3.97,2.3,139,57,92,79,true,Reduce,"Cut high-beta by 2-3%, add cash",-12,-39,BrokerD,LMT,89,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-14,-52,101,5,false,Monitor dispersion and breadth
P5511,Cautious,401k,USD,2025-03-04,645741,85486,560255,1.0,47.8,30.5,11.7,10.0,VNQ:17.7%;BND:11.4%;TLT:18.0%;QQQ:20.5%;HYG:16.9%;GLD:15.6%,US:62.5;EU:7.4;APAC:16.4;EM:10.3;Other:3.5,Value:+0.4;Growth:+0.3;Quality:+1.0;Size:-0.2;Momentum:-0.5;LowVol:-0.9,MaxPos8%;NoMargin,10,30,5.9,trailing 8%,151,16.9,Bull,15.1,4.35,3.3,88,23,55,40,false,Sell,Trim extended winner -1%,-13,-10,BrokerC,MKT,98,None,None,Normal monitoring,74,8,136,5,false,Tax-aware sells next window
P5512,Active,IRA,USD,2024-10-01,2477521,204965,2272556,1.0,70.0,20.0,2.5,7.6,VNQ:15.9%;IEF:28.0%;MUB:28.0%;VOO:28.0%,US:58.4;EU:18.8;APAC:13.5;EM:4.6;Other:4.8,Value:-0.9;Growth:-0.9;Quality:-0.5;Size:+0.7;Momentum:-1.0;LowVol:+0.5,MaxPos8%,8,25,5.0,trailing 9%,210,25.0,Bull,17.7,4.88,2.7,92,48,64,53,false,Rebalance,Shift +1% to bonds from equity,35,10,BrokerD,MKT,98,None,None,Normal monitoring,64,-59,157,3,false,Within IPS guidelines
P5513,Hands-off,Taxable,USD,2025-11-28,474425,20238,454187,1.0,60.8,22.8,10.1,6.3,MUB:20.9%;AAPL:20.1%;MSFT:14.7%;VNQ:22.2%;BRK.B:22.2%,US:65.6;EU:17.0;APAC:13.1;EM:3.7;Other:0.6,Value:-0.6;Growth:-0.3;Quality:-0.7;Size:-0.9;Momentum:-0.2;LowVol:0.0,NoDerivatives,5,30,3.5,trailing 8%,99,13.7,Bull,17.8,3.92,2.5,120,66,98,44,false,Buy,Add to core equity +1%,16,-35,BrokerC,MKT,89,None,None,Normal monitoring,-16,-27,94,4,false,Increase defensive factor exposure
P5514,Cautious,Taxable,USD,2024-07-29,178262,28338,149924,1.0,44.5,31.8,10.8,12.9,BND:26.6%;AAPL:26.6%;VNQ:20.2%;AMZN:26.6%,US:73.0;EU:10.0;APAC:9.0;EM:3.6;Other:4.5,Value:-0.2;Growth:+0.3;Quality:-0.9;Size:-0.8;Momentum:+0.8;LowVol:-0.4,ESGOnly;MaxPos7%;NoDerivatives;NoMargin,7,30,5.6,trailing 8%,115,12.9,Sideways,17.5,4.67,2.1,94,-6,44,42,false,Rebalance,Shift +1% to bonds from equity,-13,-10,BrokerC,LMT,97,None,None,Normal monitoring,117,-22,183,5,false,Increase defensive factor exposure
P5515,Hands-off,401k,USD,2024-11-16,612870,51629,561241,1.0,58.5,24.7,9.3,7.5,VNQ:34.3%;GLD:31.4%;TSLA:34.3%,US:68.2;EU:17.9;APAC:7.4;EM:4.6;Other:1.9,Value:+0.8;Growth:-0.2;Quality:+0.7;Size:+0.9;Momentum:-0.9;LowVol:-0.4,ESGOnly;NoDerivatives,6,35,4.7,hard 10%,110,15.7,Bear,26.8,3.06,1.9,209,-31,35,65,false,Buy,Add to core equity +1%,25,1,BrokerC,MKT,87,None,None,Normal monitoring,55,-24,177,3,false,Within IPS guidelines
P5516,Hands-off,Roth,USD,2024-10-29,573903,40752,533151,1.0,63.7,25.1,4.3,6.9,BND:33.3%;HYG:33.3%;VNQ:33.3%,US:74.2;EU:9.2;APAC:8.4;EM:4.4;Other:3.7,Value:+0.5;Growth:-0.1;Quality:+0.2;Size:+0.3;Momentum:+0.4;LowVol:-0.1,MaxPos7%;NoDerivatives,6,30,4.5,trailing 8%,107,18.9,Bull,12.5,4.38,2.7,100,38,62,47,false,Rebalance,Shift +1% to bonds from equity,33,-39,BrokerB,LMT,93,None,None,Normal monitoring,92,-48,112,3,false,Monitor dispersion and breadth
P5517,Opportunistic,Taxable,USD,2025-08-18,1147524,42987,1104537,1.0,65.8,18.4,7.0,8.9,MUB:25.0%;MSFT:25.0%;IEF:24.9%;TSLA:25.0%,US:58.4;EU:16.2;APAC:12.4;EM:10.4;Other:2.6,Value:+0.9;Growth:-0.1;Quality:+0.5;Size:-0.6;Momentum:+0.3;LowVol:-0.5,NoDerivatives,5,30,6.6,trailing 7%,194,27.3,Volatile,30.8,4.85,4.0,178,16,56,83,true,Reduce,"Cut high-beta by 2-3%, add cash",19,-6,BrokerA,MKT,99,VAR>budget,Reduce,Risk above budget threshold,66,-57,138,3,false,Tighten stops on momentum names
P5518,Active,Trust,USD,2025-10-14,2479630,198174,2281456,1.0,58.3,28.9,4.4,8.4,AMZN:24.6%;MSFT:23.7%;MUB:17.0%;BRK.B:10.1%;IEF:24.6%,US:72.2;EU:7.7;APAC:11.9;EM:4.3;Other:3.9,Value:+0.3;Growth:+0.9;Quality:0.0;Size:+0.1;Momentum:+0.4;LowVol:-1.0,MaxPos7%,7,25,4.3,trailing 9%,196,25.3,Volatile,28.7,4.92,4.4,155,-58,28,67,false,Sell,Trim extended winner -1%,20,-18,BrokerA,MKT,87,None,None,Normal monitoring,-18,3,-37,5,false,Monitor dispersion and breadth
P5519,Active,401k,USD,2025-01-17,1796088,181627,1614461,1.11,61.0,29.9,0.0,9.1,TSLA:25.0%;VNQ:25.0%;QQQ:25.0%;HYG:25.0%,US:67.3;EU:6.3;APAC:13.5;EM:8.9;Other:4.0,Value:+0.2;Growth:+0.2;Quality:+0.6;Size:-0.1;Momentum:+1.0;LowVol:0.0,MaxPos6%,6,25,5.6,hard 12%,153,18.1,Bull,15.9,3.99,2.5,73,76,80,39,false,Rebalance,Shift +1% to bonds from equity,-12,-35,BrokerA,MKT,91,None,None,Normal monitoring,55,-2,178,4,false,Tighten stops on momentum names
P5520,Cautious,Taxable,USD,2024-12-28,539990,84794,455196,1.0,49.9,31.4,3.8,14.9,VOO:27.8%;VNQ:27.8%;BND:27.8%;VTI:16.7%,US:63.3;EU:12.8;APAC:16.8;EM:4.7;Other:2.5,Value:-0.9;Growth:+0.1;Quality:-0.3;Size:-0.1;Momentum:+0.4;LowVol:-1.0,ESGOnly;NoDerivatives;NoMargin,8,25,5.9,hard 10%,144,13.7,Sideways,19.7,4.08,3.2,140,41,56,49,false,Rebalance,Shift +1% to bonds from equity,-5,3,BrokerC,MKT,99,None,None,Normal monitoring,37,3,113,4,false,Monitor dispersion and breadth
P5521,Active,Taxable,USD,2025-02-27,717031,61338,655693,1.0,58.1,31.0,1.6,9.3,MUB:22.5%;QQQ:15.1%;XLF:21.0%;IEF:22.5%;BND:19.0%,US:69.8;EU:11.8;APAC:8.1;EM:7.9;Other:2.4,Value:+0.2;Growth:-0.7;Quality:-0.6;Size:-0.6;Momentum:+0.8;LowVol:+0.7,,8,30,5.2,trailing 9%,136,18.6,Volatile,20.0,5.28,2.1,173,9,49,60,false,Buy,Add to core equity +1%,30,-11,BrokerD,LMT,87,None,None,Normal monitoring,17,-9,12,3,false,Monitor dispersion and breadth
P5522,Opportunistic,Trust,USD,2024-10-03,1225531,74690,1150841,1.0,71.3,13.9,7.6,7.3,XLF:34.4%;MSFT:31.2%;IEF:34.4%,US:62.7;EU:13.4;APAC:12.0;EM:9.7;Other:2.1,Value:+0.8;Growth:-0.2;Quality:+0.8;Size:+0.5;Momentum:+0.7;LowVol:+0.8,MaxPos7%,5,25,6.5,hard 12%,254,26.6,Volatile,25.9,5.16,3.3,128,-19,40,77,true,Rebalance,Rebalance back to target bands,34,-7,BrokerA,MKT,89,VAR>budget,Reduce,Risk above budget threshold,-45,-25,-29,2,false,Increase defensive factor exposure
P5523,Hands-off,Taxable,USD,2025-12-19,230137,15375,214762,1.0,56.3,20.9,15.8,7.0,VNQ:24.9%;GLD:24.9%;AMZN:12.8%;AAPL:24.9%;VTI:12.4%,US:68.9;EU:11.2;APAC:7.4;EM:9.8;Other:2.7,Value:-0.4;Growth:-0.6;Quality:+0.8;Size:+0.3;Momentum:+0.9;LowVol:+0.1,ESGOnly,8,35,3.5,trailing 10%,145,18.1,Bull,12.2,4.96,3.0,96,80,97,48,false,Buy,Add to core equity +1%,25,15,BrokerD,MKT,89,None,None,Normal monitoring,-38,-49,16,5,false,Increase defensive factor exposure
P5524,Hands-off,Trust,USD,2025-12-06,301567,13793,287774,1.0,63.6,27.2,1.0,8.1,QQQ:10.7%;MUB:11.6%;GLD:20.4%;MSFT:20.4%;TSLA:18.4%;VNQ:18.5%,US:68.6;EU:9.0;APAC:11.6;EM:10.7;Other:0.0,Value:-0.0;Growth:-0.6;Quality:+0.6;Size:-0.2;Momentum:-0.3;LowVol:+0.7,NoDerivatives,8,30,3.3,trailing 8%,162,12.7,Bull,12.3,4.54,2.7,111,20,72,34,false,Rebalance,Shift +1% to bonds from equity,-1,-25,BrokerD,MKT,89,None,None,Normal monitoring,22,-1,44,3,false,Tax-aware sells next window
P5525,Systematic,Roth,USD,2025-07-27,1452452,59721,1392731,1.0,64.5,27.6,0.0,7.9,BRK.B:16.1%;AMZN:18.1%;VTI:13.2%;VOO:21.3%;MSFT:9.9%;BND:21.3%,US:67.3;EU:15.3;APAC:5.8;EM:7.4;Other:4.3,Value:+0.9;Growth:-0.7;Quality:-0.1;Size:+0.4;Momentum:-0.1;LowVol:-0.4,NoDerivatives,7,35,4.6,trailing 8%,193,25.4,Bull,13.4,4.71,2.4,89,26,59,41,false,NoAction,Within bands; monitor,17,2,BrokerC,MKT,0,None,None,Normal monitoring,110,-49,108,3,false,Within IPS guidelines
P5526,Opportunistic,Trust,USD,2025-08-23,755662,37486,718176,1.0,65.0,11.4,14.8,8.9,MSFT:20.7%;QQQ:21.1%;BRK.B:12.1%;AMZN:13.1%;IEF:21.1%;TLT:11.8%,US:70.6;EU:8.7;APAC:11.2;EM:6.5;Other:2.9,Value:+0.8;Growth:+0.6;Quality:-0.8;Size:-0.6;Momentum:-0.7;LowVol:+0.5,,8,35,6.0,hard 12%,181,26.9,Bear,31.0,4.4,1.3,143,-31,37,87,true,Hedge,Buy index puts 1% notional,26,-9,BrokerD,MKT,90,VAR>budget,Hedge,Risk above budget threshold,-29,-58,82,3,false,Tighten stops on momentum names
P5527,Cautious,Trust,USD,2025-05-01,297554,31860,265694,1.0,42.1,43.3,0.0,14.6,MSFT:33.3%;VNQ:33.3%;MUB:33.3%,US:62.9;EU:14.3;APAC:11.9;EM:7.5;Other:3.3,Value:-0.1;Growth:+0.9;Quality:-0.0;Size:-0.3;Momentum:-0.4;LowVol:+0.2,ESGOnly;NoMargin,10,30,3.7,trailing 8%,98,14.1,Sideways,15.0,4.99,3.1,123,32,81,37,false,Sell,Trim extended winner -1%,9,-6,BrokerB,VWAP,90,None,None,Normal monitoring,90,-7,180,3,false,Tax-aware sells next window
P5528,Systematic,Taxable,USD,2025-09-24,1477260,97318,1379942,1.0,58.7,30.2,5.8,5.2,XLF:21.9%;BND:18.4%;MSFT:21.9%;AMZN:15.8%;QQQ:21.9%,US:74.9;EU:10.1;APAC:8.1;EM:6.8;Other:0.0,Value:-0.9;Growth:+0.3;Quality:+0.2;Size:-0.3;Momentum:+0.6;LowVol:+0.2,,10,30,4.3,trailing 8%,156,22.6,Sideways,20.4,3.64,3.1,105,18,65,47,false,NoAction,Within bands; monitor,-1,-34,BrokerC,MKT,0,None,None,Normal monitoring,54,-30,157,3,false,Within IPS guidelines
P5529,Cautious,401k,USD,2024-09-01,413706,55767,357939,1.0,46.7,38.2,0.0,15.1,IEF:12.4%;TLT:21.5%;MUB:22.6%;GLD:22.6%;BND:12.8%;MSFT:8.0%,US:73.6;EU:6.6;APAC:11.5;EM:7.6;Other:0.7,Value:-0.3;Growth:-0.4;Quality:-0.2;Size:+0.6;Momentum:+0.2;LowVol:-0.3,ESGOnly;NoMargin,5,25,4.8,trailing 8%,152,16.3,Sideways,16.8,3.96,2.2,101,17,68,33,true,Rebalance,Rebalance back to target bands,14,-10,BrokerD,LMT,86,RegimeShift,Pause,Volatility spike and breadth deterioration,51,8,45,4,false,Tax-aware sells next window
P5530,Hands-off,IRA,USD,2025-12-03,582656,45035,537621,1.0,70.6,24.3,0.0,5.1,VNQ:36.1%;XLF:27.7%;HYG:36.1%,US:67.7;EU:14.5;APAC:6.3;EM:8.3;Other:3.2,Value:-0.0;Growth:-0.0;Quality:-0.6;Size:-0.9;Momentum:+0.2;LowVol:-0.8,ESGOnly;NoDerivatives,7,25,4.1,hard 10%,129,16.1,Sideways,16.3,3.96,3.3,101,-20,34,45,false,Rebalance,Shift +1% to bonds from equity,20,-21,BrokerC,LMT,98,None,None,Normal monitoring,90,-17,206,5,false,Within IPS guidelines
P5531,Cautious,Trust,USD,2024-07-30,640385,51680,588705,1.0,42.7,34.1,9.8,13.4,AAPL:7.9%;TLT:16.9%;VOO:21.4%;XLF:21.4%;QQQ:10.9%;BND:21.4%,US:62.8;EU:15.0;APAC:12.9;EM:6.0;Other:3.2,Value:-0.2;Growth:+0.9;Quality:-0.6;Size:+0.4;Momentum:+0.9;LowVol:+0.1,MaxPos5%;NoDerivatives;NoMargin,8,30,3.3,trailing 8%,158,15.9,Bear,29.7,3.67,1.4,162,-112,5,66,false,Rebalance,Shift +1% to bonds from equity,32,-23,BrokerA,MKT,99,None,None,Normal monitoring,45,-15,64,5,false,Tighten stops on momentum names
P5532,Active,Trust,USD,2025-09-07,1244036,83327,1160709,1.0,66.4,25.4,0.0,8.2,GLD:35.8%;TSLA:35.8%;IEF:28.5%,US:60.2;EU:15.8;APAC:13.2;EM:6.6;Other:4.3,Value:-0.8;Growth:-0.1;Quality:-0.8;Size:+0.5;Momentum:+0.9;LowVol:+0.7,,10,25,5.7,trailing 9%,212,21.1,Volatile,20.9,4.7,4.4,169,12,57,63,false,Sell,Trim extended winner -1%,26,-12,BrokerB,VWAP,88,None,None,Normal monitoring,34,-22,-4,4,false,Tighten stops on momentum names
P5533,Opportunistic,IRA,USD,2025-05-17,973265,29543,943722,1.0,77.2,10.4,6.9,5.5,MSFT:18.6%;VTI:13.0%;TLT:20.8%;VNQ:9.6%;QQQ:17.1%;XLF:20.8%,US:60.2;EU:17.0;APAC:13.4;EM:6.7;Other:2.6,Value:+0.7;Growth:+0.3;Quality:+0.6;Size:-0.1;Momentum:-0.6;LowVol:+0.5,,8,35,6.6,trailing 7%,260,27.2,Bull,14.7,4.93,3.4,91,115,93,48,false,Sell,Trim extended winner -1%,-13,-9,BrokerB,LMT,87,None,None,Normal monitoring,19,-8,141,3,false,Monitor dispersion and breadth
P5534,Cautious,Taxable,USD,2025-10-20,552473,72422,480051,1.0,44.3,37.1,2.4,16.2,MUB:33.3%;GLD:33.3%;QQQ:33.3%,US:59.4;EU:18.9;APAC:10.3;EM:11.3;Other:0.0,Value:0.0;Growth:+0.9;Quality:-0.3;Size:-0.4;Momentum:-0.1;LowVol:-1.0,ESGOnly;NoMargin,10,25,4.2,hard 10%,118,18.0,Bull,16.5,4.96,2.2,94,62,83,36,false,Rebalance,Shift +1% to bonds from equity,16,-6,BrokerA,LMT,88,None,None,Normal monitoring,-36,-31,-25,5,false,Increase defensive factor exposure
P5535,Cautious,401k,USD,2025-09-17,527626,74941,452685,1.0,37.9,40.1,10.1,11.9,VTI:22.5%;GLD:25.8%;AMZN:25.8%;TSLA:25.8%,US:69.2;EU:7.8;APAC:12.0;EM:8.7;Other:2.2,Value:-0.2;Growth:+0.5;Quality:-0.5;Size:-0.4;Momentum:+0.3;LowVol:+0.3,ESGOnly;NoMargin,6,35,5.3,trailing 8%,161,13.9,Bull,15.4,3.5,2.3,94,83,87,37,false,Buy,Add to core equity +1%,17,15,BrokerA,LMT,100,None,None,Normal monitoring,23,-28,160,4,false,Monitor dispersion and breadth
P5536,Active,401k,USD,2025-01-27,1755224,140278,1614946,1.12,65.8,26.0,0.0,8.2,MUB:33.3%;AAPL:33.3%;XLF:33.3%,US:59.8;EU:15.8;APAC:13.8;EM:10.2;Other:0.4,Value:-1.0;Growth:-0.5;Quality:+0.2;Size:0.0;Momentum:-0.6;LowVol:-0.2,,6,35,5.0,hard 12%,122,18.5,Volatile,22.3,3.72,2.1,130,43,72,62,false,Rebalance,Shift +1% to bonds from equity,2,10,BrokerA,LMT,87,None,None,Normal monitoring,-27,-31,4,4,false,Within IPS guidelines
P5537,Opportunistic,401k,USD,2025-05-20,508792,45475,463317,1.0,68.8,16.5,9.6,5.1,MSFT:27.9%;MUB:27.9%;BRK.B:27.9%;VNQ:16.2%,US:51.3;EU:19.1;APAC:13.4;EM:11.5;Other:4.7,Value:-0.5;Growth:+0.8;Quality:-0.7;Size:+0.3;Momentum:+0.6;LowVol:+0.4,MaxPos7%,5,30,5.3,trailing 7%,230,26.8,Sideways,19.5,4.74,2.2,96,-22,32,66,false,NoAction,Within bands; monitor,24,-33,BrokerB,MKT,0,None,None,Normal monitoring,-52,1,28,5,false,Within IPS guidelines
P5538,Hands-off,IRA,USD,2025-03-05,158372,13146,145226,1.0,58.4,22.7,12.4,6.5,QQQ:17.7%;HYG:11.5%;BND:14.0%;VTI:20.5%;TSLA:20.5%;MSFT:15.8%,US:69.1;EU:6.7;APAC:7.4;EM:11.3;Other:5.5,Value:-0.1;Growth:+0.4;Quality:-0.8;Size:-0.5;Momentum:+0.1;LowVol:+0.9,MaxPos5%,8,30,5.9,trailing 8%,137,13.4,Volatile,27.8,3.82,2.7,124,15,72,64,false,Rebalance,Shift +1% to bonds from equity,23,-36,BrokerC,VWAP,100,None,None,Normal monitoring,85,-2,173,5,false,Monitor dispersion and breadth
P5539,Opportunistic,Trust,USD,2025-04-23,1222414,46651,1175763,1.0,60.7,20.0,10.4,8.9,VOO:33.3%;QQQ:33.3%;AAPL:33.3%,US:67.2;EU:9.7;APAC:16.3;EM:5.9;Other:0.8,Value:-0.4;Growth:+0.2;Quality:+0.8;Size:-0.8;Momentum:+0.2;LowVol:-0.4,,7,25,6.9,trailing 7%,223,24.8,Bear,33.5,4.1,1.8,162,-12,44,92,true,Hedge,Buy index puts 1% notional,-3,-21,BrokerA,LMT,92,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-48,-32,-45,2,false,Within IPS guidelines
P5540,Systematic,401k,USD,2025-12-24,1841055,101505,1739550,1.0,57.9,26.1,9.6,6.3,VNQ:17.9%;VTI:13.7%;MUB:22.8%;BRK.B:22.8%;HYG:22.8%,US:76.1;EU:5.4;APAC:5.5;EM:11.1;Other:2.0,Value:-0.4;Growth:-0.4;Quality:+0.3;Size:+0.3;Momentum:-0.5;LowVol:+0.7,MaxPos5%,5,35,4.4,trailing 9%,212,27.0,Volatile,21.8,5.32,2.0,125,37,75,59,false,Rebalance,Shift +1% to bonds from equity,9,0,BrokerC,LMT,85,None,None,Normal monitoring,105,-36,190,4,false,Increase defensive factor exposure
P5541,Opportunistic,Roth,USD,2025-01-26,703961,54901,649060,1.0,66.5,19.6,6.1,7.8,AMZN:19.3%;QQQ:20.4%;AAPL:10.4%;XLF:19.5%;HYG:13.2%;TSLA:17.3%,US:71.2;EU:8.2;APAC:13.3;EM:4.2;Other:3.2,Value:+0.9;Growth:+0.8;Quality:+0.9;Size:-0.1;Momentum:-0.9;LowVol:+0.2,MaxPos7%,10,30,6.8,hard 12%,198,34.6,Bull,12.4,4.26,2.7,94,47,59,48,false,Hedge,Add TLT +1% as duration hedge,-14,-9,BrokerC,MKT,96,None,None,Normal monitoring,48,-2,40,4,false,Monitor dispersion and breadth
P5542,Hands-off,IRA,USD,2025-09-30,733935,34300,699635,1.0,58.1,23.6,11.0,7.3,QQQ:33.3%;AAPL:33.3%;TLT:33.3%,US:70.8;EU:17.6;APAC:6.3;EM:4.7;Other:0.6,Value:+0.4;Growth:-0.4;Quality:-1.0;Size:+0.5;Momentum:+0.7;LowVol:-0.4,ESGOnly,6,35,5.0,trailing 8%,168,16.7,Volatile,28.2,4.75,2.4,121,19,54,80,true,Hedge,Buy index puts 1% notional,-1,-6,BrokerC,LMT,96,VAR>budget,Hedge,Risk above budget threshold,43,19,16,2,false,Tighten stops on momentum names
P5543,Active,Roth,USD,2024-10-07,1817219,191479,1625740,1.15,66.4,28.5,0.0,5.0,VTI:25.0%;MSFT:25.0%;GLD:25.0%;AAPL:25.0%,US:70.1;EU:6.2;APAC:9.1;EM:11.7;Other:2.9,Value:+0.1;Growth:+0.5;Quality:-0.7;Size:+0.5;Momentum:+0.7;LowVol:-0.7,,7,25,4.9,trailing 9%,164,19.1,Bull,15.2,4.56,3.5,76,12,71,52,false,Sell,Trim extended winner -1%,28,-5,BrokerA,LMT,89,None,None,Normal monitoring,108,-47,182,3,false,Within IPS guidelines
P5544,Opportunistic,IRA,USD,2025-01-04,789973,57630,732343,1.0,60.8,21.7,11.8,5.7,VOO:17.8%;MSFT:14.9%;TSLA:16.9%;GLD:12.7%;AMZN:17.4%;VNQ:20.3%,US:68.4;EU:15.6;APAC:9.9;EM:3.6;Other:2.5,Value:+0.1;Growth:-0.2;Quality:+0.6;Size:-0.9;Momentum:+0.4;LowVol:-0.3,,7,30,4.7,hard 12%,251,24.2,Bull,17.8,3.73,3.1,76,43,68,47,false,Sell,Trim extended winner -1%,32,8,BrokerA,VWAP,92,None,None,Normal monitoring,103,11,82,3,false,Tax-aware sells next window
P5545,Active,Trust,USD,2025-01-19,2007977,199235,1808742,1.17,67.2,20.9,2.1,9.8,VTI:22.6%;AMZN:13.8%;VNQ:22.6%;MSFT:18.3%;BRK.B:22.6%,US:75.0;EU:11.0;APAC:6.6;EM:3.1;Other:4.4,Value:+0.9;Growth:+0.8;Quality:+1.0;Size:+0.5;Momentum:+0.8;LowVol:+0.8,,6,35,5.3,hard 12%,132,24.3,Volatile,20.2,5.33,2.1,130,80,100,65,false,Sell,Trim extended winner -1%,-10,1,BrokerB,MKT,90,None,None,Normal monitoring,-9,-8,113,4,false,Within IPS guidelines
P5546,Opportunistic,401k,USD,2025-06-25,712007,44476,667531,1.22,66.9,18.8,6.4,8.0,MSFT:14.4%;TLT:15.7%;GLD:21.6%;MUB:13.0%;HYG:13.6%;VNQ:21.6%,US:72.1;EU:13.4;APAC:7.5;EM:4.9;Other:2.0,Value:0.0;Growth:+0.4;Quality:-0.9;Size:+0.3;Momentum:+0.3;LowVol:-0.3,NoDerivatives,7,30,5.6,trailing 9%,167,22.1,Sideways,19.2,4.98,3.1,120,25,48,60,false,Rebalance,Shift +1% to bonds from equity,26,14,BrokerA,VWAP,96,None,None,Normal monitoring,12,-6,-14,3,false,Increase defensive factor exposure
P5547,Opportunistic,Roth,USD,2025-03-29,1007974,32405,975569,1.0,62.6,11.3,20.8,5.3,VOO:23.1%;BRK.B:23.1%;IEF:23.1%;GLD:7.5%;VTI:23.1%,US:60.3;EU:18.7;APAC:7.1;EM:11.7;Other:2.2,Value:+0.7;Growth:-1.0;Quality:-0.9;Size:-0.7;Momentum:+0.5;LowVol:+0.1,,5,25,4.8,hard 12%,240,29.1,Volatile,22.7,4.63,2.6,117,-41,22,61,false,Rebalance,Shift +1% to bonds from equity,18,-21,BrokerC,MKT,96,None,None,Normal monitoring,60,-42,179,4,false,Monitor dispersion and breadth
P5548,Active,401k,USD,2025-06-08,2333715,267617,2066098,1.0,50.5,27.5,13.5,8.5,QQQ:27.5%;IEF:27.5%;VNQ:27.5%;VOO:17.5%,US:67.1;EU:16.9;APAC:11.8;EM:3.7;Other:0.5,Value:-0.3;Growth:-0.2;Quality:+0.4;Size:-0.3;Momentum:-0.2;LowVol:-0.4,NoDerivatives,6,35,5.9,trailing 9%,140,27.3,Volatile,23.7,4.7,2.7,113,74,75,54,false,NoAction,Within bands; monitor,13,-21,BrokerC,MKT,0,None,None,Normal monitoring,-6,-37,65,3,false,Increase defensive factor exposure
P5549,Hands-off,IRA,USD,2024-08-17,854292,64763,789529,1.0,74.5,15.7,4.7,5.1,QQQ:36.2%;BND:27.6%;VNQ:36.2%,US:68.9;EU:9.3;APAC:14.3;EM:4.4;Other:3.2,Value:+0.7;Growth:-1.0;Quality:+0.2;Size:-0.1;Momentum:+0.9;LowVol:-0.6,,6,25,4.3,hard 10%,109,15.5,Sideways,16.6,3.72,2.6,135,-2,39,63,false,Buy,Add to core equity +1%,4,-33,BrokerC,LMT,99,None,None,Normal monitoring,-41,-31,34,3,false,Within IPS guidelines
P5550,Hands-off,Taxable,USD,2025-10-07,548898,40843,508055,1.0,70.7,20.5,0.0,8.8,QQQ:24.9%;XLF:24.9%;TSLA:18.9%;IEF:14.3%;AAPL:17.2%,US:65.5;EU:9.8;APAC:11.9;EM:9.1;Other:3.7,Value:-0.6;Growth:+0.3;Quality:+0.7;Size:-0.0;Momentum:+0.9;LowVol:-0.1,ESGOnly,7,35,5.3,trailing 8%,145,12.8,Volatile,20.9,4.69,3.6,152,-25,26,71,true,Hedge,Buy index puts 1% notional,-2,-35,BrokerD,LMT,86,RegimeShift,Reduce,Volatility spike and breadth deterioration,63,-20,77,4,false,Tax-aware sells next window
P5551,Hands-off,Roth,USD,2025-01-14,649399,48011,601388,1.0,55.1,24.3,13.6,7.0,VNQ:36.2%;XLF:27.6%;IEF:36.2%,US:65.1;EU:13.3;APAC:9.8;EM:9.8;Other:2.1,Value:+0.5;Growth:+0.9;Quality:-0.9;Size:+0.1;Momentum:-0.0;LowVol:-0.4,MaxPos5%,6,35,5.8,hard 10%,119,14.8,Bull,16.6,4.88,3.4,119,52,89,42,false,Hedge,Add TLT +1% as duration hedge,31,-28,BrokerA,MKT,97,None,None,Normal monitoring,-33,-37,-72,4,false,Increase defensive factor exposure
P5552,Hands-off,Roth,USD,2025-05-12,419459,34984,384475,1.0,73.4,21.2,0.0,5.5,VOO:25.9%;VNQ:25.9%;MSFT:25.0%;IEF:23.2%,US:65.1;EU:17.2;APAC:11.4;EM:4.8;Other:1.6,Value:-0.3;Growth:+0.1;Quality:-0.9;Size:-0.6;Momentum:0.0;LowVol:+0.5,MaxPos6%,6,25,4.6,trailing 10%,164,19.0,Bull,14.0,3.85,3.1,72,30,73,60,false,Rebalance,Shift +1% to bonds from equity,17,-18,BrokerB,MKT,99,None,None,Normal monitoring,111,-34,172,4,false,Within IPS guidelines
P5553,Cautious,401k,USD,2025-04-25,856588,74331,782257,1.0,45.5,40.0,0.0,14.6,TLT:19.7%;MSFT:21.7%;TSLA:18.9%;VOO:9.0%;AAPL:21.7%;HYG:8.9%,US:68.6;EU:10.4;APAC:14.2;EM:6.1;Other:0.7,Value:+0.9;Growth:+0.8;Quality:-0.1;Size:-0.1;Momentum:+0.3;LowVol:+0.4,ESGOnly;MaxPos6%;NoMargin,6,30,3.7,trailing 8%,145,18.8,Bull,12.6,4.13,3.0,88,40,72,36,false,Sell,Trim extended winner -1%,5,-17,BrokerB,LMT,92,None,None,Normal monitoring,86,-60,65,5,false,Tax-aware sells next window
P5554,Cautious,IRA,USD,2025-03-14,258064,24579,233485,1.0,51.1,35.2,0.0,13.7,VTI:20.4%;TSLA:20.4%;MSFT:7.7%;VNQ:16.3%;HYG:17.2%;BRK.B:18.0%,US:62.6;EU:14.4;APAC:12.3;EM:8.9;Other:1.7,Value:-0.1;Growth:+0.1;Quality:0.0;Size:-0.8;Momentum:-0.3;LowVol:+0.9,ESGOnly;NoMargin,7,25,4.1,trailing 8%,125,17.2,Bear,32.1,3.46,2.4,148,-104,6,84,true,Reduce,"Cut high-beta by 2-3%, add cash",-6,7,BrokerB,MKT,89,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,53,-54,82,4,false,Tighten stops on momentum names
P5555,Opportunistic,Taxable,USD,2025-09-16,658449,50868,607581,1.0,64.6,14.6,12.6,8.2,BND:28.0%;MUB:16.0%;QQQ:28.0%;GLD:28.0%,US:60.7;EU:13.3;APAC:14.9;EM:6.5;Other:4.6,Value:+0.6;Growth:-0.8;Quality:-0.1;Size:+0.4;Momentum:-0.8;LowVol:-0.9,MaxPos7%,10,25,5.0,hard 12%,236,20.9,Bear,23.3,3.6,2.7,189,-98,5,71,true,Reduce,"Cut high-beta by 2-3%, add cash",22,-28,BrokerD,VWAP,95,Drift>tolerance,Reduce,Allocation drift beyond policy bands,62,5,62,5,false,Tax-aware sells next window
P5556,Hands-off,Roth,USD,2024-10-15,449722,31336,418386,1.0,66.0,25.8,0.0,8.2,VTI:9.1%;IEF:20.3%;AMZN:19.1%;TLT:19.8%;QQQ:13.4%;MUB:18.3%,US:68.7;EU:15.4;APAC:10.5;EM:4.4;Other:1.1,Value:+0.1;Growth:+0.5;Quality:+0.7;Size:+0.6;Momentum:+0.1;LowVol:-0.3,MaxPos8%,6,25,3.2,trailing 8%,116,12.2,Volatile,27.0,5.18,3.3,128,62,84,69,true,Hedge,Buy index puts 1% notional,-12,7,BrokerD,MKT,93,Drift>tolerance,Pause,Allocation drift beyond policy bands,58,14,50,3,false,Within IPS guidelines
P5557,Opportunistic,401k,USD,2024-12-02,625232,48448,576784,1.0,61.3,14.1,16.7,7.9,TSLA:28.0%;AAPL:27.7%;VTI:20.5%;HYG:23.9%,US:74.7;EU:6.2;APAC:6.8;EM:11.2;Other:1.1,Value:+0.4;Growth:-0.4;Quality:+0.6;Size:-0.4;Momentum:+0.3;LowVol:-0.1,NoDerivatives,8,35,4.6,hard 12%,275,21.0,Sideways,19.4,4.08,3.1,107,22,66,46,false,Sell,Trim extended winner -1%,24,-20,BrokerD,MKT,90,None,None,Normal monitoring,112,1,106,5,false,Increase defensive factor exposure
P5558,Hands-off,Roth,USD,2025-07-18,839673,52765,786908,1.0,66.5,23.3,3.0,7.2,XLF:33.3%;VOO:33.3%;TLT:33.3%,US:59.5;EU:11.6;APAC:12.6;EM:13.1;Other:3.3,Value:-0.6;Growth:-0.7;Quality:+0.1;Size:+0.5;Momentum:+0.7;LowVol:-0.7,MaxPos7%,10,35,5.6,hard 10%,120,16.0,Sideways,14.7,4.59,3.3,118,50,79,50,false,Rebalance,Shift +1% to bonds from equity,-1,-2,BrokerA,LMT,86,None,None,Normal monitoring,-47,-32,68,3,false,Monitor dispersion and breadth
P5559,Active,Roth,USD,2025-08-14,1426201,143617,1282584,1.16,63.5,30.0,0.0,6.6,HYG:20.3%;GLD:14.3%;AMZN:18.1%;TSLA:20.8%;QQQ:19.0%;VNQ:7.6%,US:60.9;EU:12.5;APAC:11.9;EM:11.8;Other:2.9,Value:-0.7;Growth:-0.8;Quality:0.0;Size:-0.8;Momentum:+0.7;LowVol:-0.3,MaxPos6%,10,35,5.4,hard 12%,215,20.6,Bull,17.7,4.85,2.0,93,114,100,60,false,Buy,Add to core equity +1%,20,-23,BrokerA,MKT,89,None,None,Normal monitoring,-6,-60,71,5,false,Tighten stops on momentum names
P5560,Cautious,IRA,USD,2024-09-27,489615,57323,432292,1.0,37.7,37.3,14.9,10.1,MSFT:24.6%;IEF:25.1%;AAPL:25.1%;VTI:25.1%,US:65.4;EU:5.9;APAC:12.8;EM:12.2;Other:3.6,Value:+0.6;Growth:+0.7;Quality:-0.8;Size:+0.3;Momentum:-0.3;LowVol:-0.8,ESGOnly;NoDerivatives;NoMargin,10,35,5.8,hard 10%,131,16.8,Bull,11.0,3.66,2.4,93,8,53,31,false,Buy,Add to core equity +1%,-1,-20,BrokerD,MKT,92,None,None,Normal monitoring,-54,-60,-49,3,false,Tighten stops on momentum names
P5561,Cautious,Trust,USD,2024-09-23,679903,84544,595359,1.0,54.5,32.0,1.7,11.8,BRK.B:33.3%;VNQ:33.3%;HYG:33.3%,US:81.5;EU:6.3;APAC:7.1;EM:4.4;Other:0.8,Value:+0.5;Growth:-0.0;Quality:-0.0;Size:+0.2;Momentum:-0.1;LowVol:+0.5,ESGOnly;NoDerivatives;NoMargin,7,35,3.7,trailing 8%,145,18.4,Sideways,16.9,4.37,2.3,96,14,72,39,false,Sell,Trim extended winner -1%,-15,0,BrokerD,MKT,92,None,None,Normal monitoring,68,13,103,4,false,Tax-aware sells next window
P5562,Cautious,IRA,USD,2025-08-01,712412,113869,598543,1.0,41.4,31.9,8.7,18.0,BND:29.7%;MSFT:21.8%;AMZN:18.9%;VNQ:29.7%,US:54.2;EU:16.7;APAC:14.8;EM:11.5;Other:2.8,Value:+0.1;Growth:-0.1;Quality:-0.7;Size:+0.1;Momentum:-0.3;LowVol:-0.2,NoDerivatives;NoMargin,8,35,5.2,hard 10%,91,17.0,Bear,25.7,3.39,2.9,138,-95,11,47,false,Sell,Trim extended winner -1%,-3,10,BrokerB,LMT,93,None,None,Normal monitoring,104,9,105,4,false,Within IPS guidelines
P5563,Active,Trust,USD,2025-01-10,1282231,143643,1138588,1.0,50.5,21.4,21.2,6.9,AMZN:35.3%;TLT:29.5%;QQQ:35.3%,US:65.3;EU:10.0;APAC:12.9;EM:8.2;Other:3.6,Value:-0.6;Growth:+0.2;Quality:+0.9;Size:+0.6;Momentum:+0.4;LowVol:-0.2,MaxPos8%,8,35,4.8,trailing 9%,124,19.2,Volatile,29.7,4.03,4.4,112,-50,36,71,true,Hedge,Buy index puts 1% notional,30,5,BrokerB,LMT,91,RegimeShift,Hedge,Volatility spike and breadth deterioration,-17,-17,2,3,false,Tighten stops on momentum names
P5564,Active,Trust,USD,2025-04-30,1852496,209170,1643326,1.0,64.5,27.3,3.0,5.3,VTI:17.3%;GLD:14.7%;TLT:19.8%;MUB:24.1%;XLF:24.1%,US:66.3;EU:17.9;APAC:6.4;EM:5.3;Other:4.2,Value:-0.3;Growth:+0.4;Quality:-0.4;Size:+0.2;Momentum:-0.3;LowVol:-0.6,NoDerivatives,8,35,4.1,trailing 8%,166,22.4,Bear,27.3,3.02,2.2,141,-103,5,71,true,Reduce,"Cut high-beta by 2-3%, add cash",-5,-33,BrokerB,MKT,97,RegimeShift,Hedge,Volatility spike and breadth deterioration,30,-54,119,4,false,Tax-aware sells next window
P5565,Active,401k,USD,2025-05-14,1529412,123895,1405517,1.0,62.7,28.4,0.0,9.0,TLT:20.3%;VNQ:7.8%;BND:20.3%;AMZN:20.3%;BRK.B:10.9%;QQQ:20.3%,US:61.0;EU:13.6;APAC:7.7;EM:14.1;Other:3.6,Value:-0.6;Growth:-0.9;Quality:+0.8;Size:+0.9;Momentum:+1.0;LowVol:0.0,MaxPos8%;NoDerivatives,8,25,5.7,hard 12%,223,27.0,Sideways,15.9,4.31,3.3,133,15,54,39,true,Hedge,Buy index puts 1% notional,24,14,BrokerC,MKT,91,Drift>tolerance,Reduce,Allocation drift beyond policy bands,42,-17,110,2,true,Increase defensive factor exposure
P5566,Cautious,Taxable,USD,2025-04-08,398051,45236,352815,1.0,45.3,38.0,5.3,11.4,BRK.B:25.0%;TSLA:25.0%;BND:25.0%;TLT:25.0%,US:66.9;EU:8.6;APAC:13.0;EM:7.1;Other:4.4,Value:-0.6;Growth:+0.3;Quality:-0.3;Size:+0.9;Momentum:+0.2;LowVol:-0.8,MaxPos7%;NoDerivatives;NoMargin,8,30,3.1,trailing 8%,123,12.1,Volatile,20.2,3.9,4.2,148,0,58,53,false,Rebalance,Shift +1% to bonds from equity,-9,12,BrokerA,MKT,88,None,None,Normal monitoring,-16,-3,37,5,false,Tax-aware sells next window
P5567,Cautious,401k,USD,2025-06-30,825045,109556,715489,1.0,41.5,41.6,2.6,14.2,BRK.B:28.9%;AAPL:19.0%;VTI:23.2%;TSLA:28.9%,US:63.0;EU:15.1;APAC:13.3;EM:4.4;Other:4.3,Value:+1.0;Growth:-0.1;Quality:+0.9;Size:-0.1;Momentum:-0.6;LowVol:+0.4,NoDerivatives;NoMargin,10,35,5.9,trailing 8%,125,17.7,Bear,32.8,4.08,1.6,145,-60,33,66,false,NoAction,Within bands; monitor,-1,3,BrokerB,LMT,92,None,None,Normal monitoring,-47,-41,-31,3,false,Increase defensive factor exposure
P5568,Systematic,Trust,USD,2025-11-23,542014,52893,489121,1.0,58.1,28.0,8.3,5.6,BND:33.3%;VTI:33.3%;VNQ:33.3%,US:71.0;EU:6.2;APAC:11.6;EM:10.1;Other:1.0,Value:+0.5;Growth:+0.6;Quality:0.0;Size:+0.5;Momentum:-0.1;LowVol:-0.1,,10,25,5.8,trailing 9%,127,20.0,Volatile,29.5,3.68,2.7,178,-49,33,82,true,Rebalance,Rebalance back to target bands,29,7,BrokerC,LMT,91,RegimeShift,Reduce,Volatility spike and breadth deterioration,97,-57,176,4,false,Within IPS guidelines
P5569,Cautious,Trust,USD,2025-08-21,245262,30863,214399,1.0,49.4,34.3,0.0,16.3,MSFT:33.3%;TSLA:33.3%;VOO:33.3%,US:59.2;EU:17.9;APAC:12.8;EM:6.5;Other:3.5,Value:-0.3;Growth:-0.4;Quality:-1.0;Size:+0.2;Momentum:+0.1;LowVol:+1.0,ESGOnly;NoDerivatives;NoMargin,6,25,5.8,trailing 8%,127,19.9,Volatile,25.5,3.88,4.2,134,-33,48,61,false,Buy,Add to core equity +1%,17,9,BrokerD,LMT,95,None,None,Normal monitoring,-47,-41,38,4,false,Monitor dispersion and breadth
P5570,Active,Roth,USD,2024-09-28,2443643,234697,2208946,1.0,62.0,29.2,0.0,8.8,MSFT:22.2%;BND:22.2%;AAPL:22.2%;IEF:16.5%;VNQ:16.9%,US:78.7;EU:6.1;APAC:8.3;EM:6.9;Other:0.0,Value:0.0;Growth:+0.1;Quality:+0.2;Size:-0.4;Momentum:+0.6;LowVol:-0.5,MaxPos8%,10,25,4.1,trailing 9%,160,27.8,Sideways,14.6,4.25,2.6,112,4,43,54,false,Buy,Add to core equity +1%,-8,-36,BrokerD,VWAP,98,None,None,Normal monitoring,28,-48,82,3,false,Tax-aware sells next window
P5571,Active,401k,USD,2025-05-22,1426472,121050,1305422,1.0,58.6,22.2,9.5,9.8,BRK.B:33.3%;VOO:33.3%;VNQ:33.3%,US:56.2;EU:18.4;APAC:13.4;EM:8.7;Other:3.3,Value:-0.6;Growth:-0.9;Quality:+1.0;Size:-0.9;Momentum:+0.7;LowVol:+1.0,MaxPos5%,6,25,4.2,hard 12%,138,18.7,Sideways,14.4,3.62,3.4,133,-8,31,43,true,Hedge,Buy index puts 1% notional,26,8,BrokerB,MKT,93,Drift>tolerance,Hedge,Allocation drift beyond policy bands,15,12,112,5,false,Within IPS guidelines
P5572,Hands-off,Roth,USD,2024-07-22,459292,20774,438518,1.0,70.3,17.9,6.4,5.4,XLF:33.3%;MUB:33.3%;AMZN:33.3%,US:66.7;EU:8.4;APAC:8.4;EM:13.5;Other:3.0,Value:+0.9;Growth:+0.3;Quality:+0.4;Size:-0.8;Momentum:+0.2;LowVol:-0.7,MaxPos7%,8,25,3.8,trailing 8%,123,18.4,Bull,17.1,3.73,2.8,94,76,99,65,true,Hedge,Buy index puts 1% notional,-7,-14,BrokerC,VWAP,99,RegimeShift,Reduce,Volatility spike and breadth deterioration,-59,-35,68,3,false,Monitor dispersion and breadth
P5573,Opportunistic,Trust,USD,2025-07-19,736327,47358,688969,1.0,68.0,11.1,16.2,4.8,XLF:33.3%;TSLA:33.3%;AMZN:33.3%,US:65.1;EU:17.4;APAC:13.5;EM:3.8;Other:0.1,Value:-0.7;Growth:+0.3;Quality:-0.1;Size:-0.6;Momentum:+1.0;LowVol:+0.8,MaxPos5%,5,35,6.1,hard 12%,226,21.1,Volatile,27.0,3.8,2.3,165,-26,25,78,true,Hedge,Buy index puts 1% notional,-12,-28,BrokerC,VWAP,95,Drift>tolerance,Reduce,Allocation drift beyond policy bands,58,-50,82,2,false,Monitor dispersion and breadth
P5574,Opportunistic,Taxable,USD,2025-12-22,1305895,78506,1227389,1.0,77.4,12.7,4.0,5.9,AMZN:18.7%;HYG:19.8%;BND:18.9%;VOO:21.4%;TSLA:21.4%,US:60.1;EU:12.5;APAC:14.3;EM:12.9;Other:0.3,Value:+0.8;Growth:+0.7;Quality:+0.9;Size:-0.4;Momentum:+0.5;LowVol:+0.8,MaxPos6%;NoDerivatives,6,35,6.4,hard 12%,219,26.5,Volatile,20.3,5.38,2.6,177,48,61,57,false,Rebalance,Shift +1% to bonds from equity,-11,9,BrokerD,LMT,97,None,None,Normal monitoring,-5,-31,-3,4,false,Tighten stops on momentum names
P5575,Systematic,IRA,USD,2025-06-14,1865942,130571,1735371,1.0,56.3,28.0,10.4,5.3,QQQ:22.3%;BRK.B:20.0%;GLD:10.3%;VTI:23.6%;AAPL:23.6%,US:68.1;EU:12.4;APAC:6.6;EM:10.1;Other:2.8,Value:+0.4;Growth:+0.2;Quality:+1.0;Size:-0.5;Momentum:+0.5;LowVol:-0.5,,8,35,4.6,hard 12%,205,18.9,Bull,14.6,4.1,3.0,76,59,91,35,false,Buy,Add to core equity +1%,30,-23,BrokerD,LMT,91,None,None,Normal monitoring,116,3,204,5,false,Tax-aware sells next window
P5576,Systematic,IRA,USD,2025-10-24,1834397,176243,1658154,1.0,58.1,31.1,2.8,7.9,VNQ:20.1%;AMZN:18.7%;TLT:15.9%;VOO:7.9%;GLD:19.0%;TSLA:18.5%,US:69.2;EU:16.1;APAC:8.5;EM:3.7;Other:2.5,Value:+0.3;Growth:-0.7;Quality:+0.5;Size:+0.5;Momentum:-0.7;LowVol:-0.2,,10,30,5.0,trailing 9%,206,16.8,Volatile,23.7,4.76,4.1,166,-18,47,52,false,NoAction,Within bands; monitor,2,1,BrokerB,MKT,0,None,None,Normal monitoring,8,20,97,5,false,Monitor dispersion and breadth
P5577,Systematic,Taxable,USD,2024-12-22,855441,49787,805654,1.0,55.6,27.1,10.5,6.8,TSLA:11.9%;BND:20.6%;XLF:24.3%;HYG:9.2%;VOO:9.8%;IEF:24.3%,US:70.2;EU:9.5;APAC:8.2;EM:10.9;Other:1.3,Value:+0.4;Growth:-0.4;Quality:+0.1;Size:0.0;Momentum:-1.0;LowVol:-0.3,MaxPos6%,8,35,4.2,trailing 8%,161,17.3,Volatile,22.4,3.69,2.5,141,-4,41,54,true,Rebalance,Rebalance back to target bands,-10,-31,BrokerB,LMT,87,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,81,-30,199,2,false,Monitor dispersion and breadth
P5578,Hands-off,IRA,USD,2025-09-02,419593,23808,395785,1.0,62.5,24.9,5.3,7.3,VNQ:22.5%;XLF:8.4%;AAPL:22.5%;VOO:21.2%;BRK.B:11.3%;HYG:14.1%,US:68.1;EU:15.1;APAC:8.5;EM:7.2;Other:1.2,Value:+0.2;Growth:+0.7;Quality:-0.1;Size:+1.0;Momentum:-0.2;LowVol:+0.6,ESGOnly,6,30,5.5,trailing 10%,122,12.5,Bull,17.7,3.87,3.2,74,5,51,55,false,Sell,Trim extended winner -1%,26,1,BrokerC,MKT,87,None,None,Normal monitoring,65,-24,78,4,false,Tighten stops on momentum names
P5579,Cautious,IRA,USD,2025-06-06,562057,46636,515421,1.0,47.8,31.1,11.0,10.1,XLF:33.3%;MSFT:33.3%;IEF:33.3%,US:72.2;EU:4.9;APAC:10.3;EM:9.3;Other:3.3,Value:-0.7;Growth:+0.8;Quality:+0.1;Size:-0.3;Momentum:-0.7;LowVol:+1.0,MaxPos8%;NoMargin,8,25,3.5,trailing 8%,155,14.4,Sideways,15.8,3.77,3.5,136,-23,26,44,false,NoAction,Within bands; monitor,34,5,BrokerA,MKT,0,None,None,Normal monitoring,39,16,117,3,false,Tax-aware sells next window
P5580,Hands-off,401k,USD,2025-03-26,331587,25903,305684,1.0,72.0,16.5,1.8,9.6,TSLA:24.1%;MUB:28.2%;TLT:28.2%;VOO:19.5%,US:70.6;EU:10.4;APAC:5.4;EM:10.2;Other:3.3,Value:+0.5;Growth:-0.9;Quality:-0.2;Size:-0.9;Momentum:+0.9;LowVol:-0.9,MaxPos7%,10,30,5.7,hard 10%,157,17.2,Bull,11.2,4.75,2.3,74,51,68,50,true,Hedge,Buy index puts 1% notional,7,-21,BrokerA,LMT,90,VAR>budget,Reduce,Risk above budget threshold,34,8,5,4,false,Tax-aware sells next window
P5581,Opportunistic,IRA,USD,2025-07-07,821453,53173,768280,1.0,61.8,12.2,19.6,6.3,AMZN:22.5%;MUB:16.0%;XLF:22.5%;BRK.B:16.5%;TLT:22.5%,US:72.2;EU:14.5;APAC:10.3;EM:2.8;Other:0.2,Value:-0.3;Growth:+0.8;Quality:+0.2;Size:+0.8;Momentum:-0.1;LowVol:+0.6,,10,25,5.8,hard 12%,187,24.2,Bull,17.1,3.8,3.2,82,75,88,43,true,Reduce,"Cut high-beta by 2-3%, add cash",13,-11,BrokerB,MKT,97,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-20,-53,-18,5,false,Tax-aware sells next window
P5582,Hands-off,Trust,USD,2024-08-16,388207,33526,354681,1.0,71.2,19.6,0.0,9.2,BRK.B:21.4%;AMZN:20.4%;MSFT:18.4%;IEF:21.2%;TSLA:18.6%,US:65.4;EU:16.2;APAC:10.6;EM:6.7;Other:1.1,Value:+0.7;Growth:-0.8;Quality:+0.9;Size:+0.9;Momentum:-0.0;LowVol:0.0,ESGOnly;MaxPos7%,5,35,6.0,trailing 8%,161,19.8,Bear,22.6,3.13,1.4,194,17,59,65,false,Buy,Add to core equity +1%,1,-17,BrokerD,VWAP,88,None,None,Normal monitoring,108,-55,95,5,false,Tighten stops on momentum names
P5583,Opportunistic,Trust,USD,2025-04-23,847897,67342,780555,1.19,69.0,15.0,10.5,5.5,VTI:34.3%;BND:34.3%;MUB:31.4%,US:70.1;EU:16.5;APAC:8.0;EM:4.2;Other:1.2,Value:-0.8;Growth:+0.5;Quality:+0.7;Size:+0.4;Momentum:+0.3;LowVol:-0.5,,7,25,5.1,trailing 7%,243,25.4,Volatile,31.7,3.82,2.6,134,-35,18,87,true,Hedge,Buy index puts 1% notional,-3,11,BrokerA,LMT,90,Drift>tolerance,Pause,Allocation drift beyond policy bands,66,-1,155,2,false,Tax-aware sells next window
P5584,Active,Roth,USD,2024-07-12,1449482,116554,1332928,1.0,55.7,29.7,6.6,8.0,MUB:22.8%;HYG:22.8%;IEF:22.8%;AMZN:17.7%;TSLA:13.8%,US:65.5;EU:17.4;APAC:6.0;EM:10.9;Other:0.2,Value:+0.9;Growth:+0.7;Quality:+0.4;Size:-0.5;Momentum:-0.8;LowVol:-1.0,,6,35,5.6,trailing 8%,176,16.5,Bear,33.9,3.9,1.5,152,-12,31,80,true,Reduce,"Cut high-beta by 2-3%, add cash",-9,-40,BrokerA,VWAP,88,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,97,-4,71,2,true,Within IPS guidelines
P5585,Active,IRA,USD,2025-01-18,2224623,146024,2078599,1.0,55.9,19.3,15.9,8.9,GLD:30.9%;IEF:34.5%;BND:34.5%,US:70.3;EU:10.5;APAC:6.0;EM:9.7;Other:3.4,Value:+1.0;Growth:+1.0;Quality:+0.1;Size:-0.9;Momentum:-0.9;LowVol:-0.7,MaxPos6%,8,30,5.0,hard 12%,172,17.7,Bear,32.8,4.37,2.8,135,18,49,82,true,Hedge,Buy index puts 1% notional,35,-27,BrokerA,LMT,97,VAR>budget,Reduce,Risk above budget threshold,79,19,57,5,false,Monitor dispersion and breadth
P5586,Cautious,Trust,USD,2025-09-09,210549,27536,183013,1.0,38.6,37.0,7.4,17.0,VTI:26.4%;MSFT:20.7%;TSLA:26.4%;QQQ:26.4%,US:65.4;EU:15.1;APAC:11.1;EM:4.4;Other:4.1,Value:-0.2;Growth:+0.3;Quality:+0.5;Size:+1.0;Momentum:-0.3;LowVol:+0.7,MaxPos5%;NoDerivatives;NoMargin,6,30,3.4,trailing 10%,123,15.5,Bull,12.3,3.5,2.7,98,42,75,35,false,Sell,Trim extended winner -1%,26,14,BrokerB,MKT,93,None,None,Normal monitoring,91,-38,210,4,false,Monitor dispersion and breadth
P5587,Systematic,401k,USD,2025-02-07,1417591,139371,1278220,1.0,57.6,20.2,15.3,6.8,VTI:33.3%;TLT:33.3%;IEF:33.3%,US:62.3;EU:14.8;APAC:11.9;EM:8.1;Other:3.0,Value:-0.6;Growth:-0.4;Quality:+0.3;Size:-0.8;Momentum:+0.3;LowVol:0.0,NoDerivatives,5,35,5.3,trailing 8%,130,24.7,Volatile,30.3,5.43,2.7,154,71,91,81,true,Rebalance,Rebalance back to target bands,31,-10,BrokerB,MKT,85,Drift>tolerance,Reduce,Allocation drift beyond policy bands,17,1,149,2,false,Tighten stops on momentum names
P5588,Systematic,Roth,USD,2025-09-23,646311,53959,592352,1.0,59.7,25.3,9.2,5.9,VOO:21.9%;HYG:21.9%;GLD:17.2%;IEF:21.9%;BRK.B:17.0%,US:69.8;EU:16.0;APAC:6.9;EM:5.6;Other:1.7,Value:-0.7;Growth:-0.0;Quality:-0.5;Size:-0.7;Momentum:-0.9;LowVol:+0.9,MaxPos5%;NoDerivatives,10,25,5.8,trailing 9%,122,19.2,Bull,15.5,3.51,2.6,113,9,39,55,false,Sell,Trim extended winner -1%,32,-26,BrokerB,LMT,90,None,None,Normal monitoring,118,11,171,4,false,Increase defensive factor exposure
P5589,Cautious,401k,USD,2024-12-21,324598,32963,291635,1.0,42.7,35.1,10.0,12.2,GLD:21.4%;IEF:21.4%;MUB:11.7%;VOO:7.2%;AAPL:19.9%;AMZN:18.4%,US:65.6;EU:16.8;APAC:9.2;EM:7.7;Other:0.7,Value:+0.8;Growth:-0.5;Quality:-0.3;Size:-0.9;Momentum:-0.7;LowVol:-0.3,NoMargin,8,25,3.4,trailing 8%,105,20.0,Volatile,29.8,5.21,3.4,156,-9,59,60,false,NoAction,Within bands; monitor,-14,-26,BrokerA,MKT,0,None,None,Normal monitoring,4,11,14,4,false,Tax-aware sells next window
P5590,Active,Trust,USD,2025-01-29,1612067,163539,1448528,1.23,65.7,18.8,8.0,7.5,IEF:8.2%;XLF:15.6%;AMZN:22.4%;VOO:12.8%;GLD:22.4%;BND:18.5%,US:72.2;EU:13.9;APAC:6.7;EM:3.5;Other:3.6,Value:-0.8;Growth:+1.0;Quality:+0.3;Size:+0.4;Momentum:+0.5;LowVol:-0.4,MaxPos8%,10,25,5.6,trailing 8%,189,21.5,Volatile,26.1,4.56,3.4,154,11,44,73,true,Rebalance,Rebalance back to target bands,30,-19,BrokerC,VWAP,92,VAR>budget,Reduce,Risk above budget threshold,-28,6,55,3,false,Tighten stops on momentum names
P5591,Cautious,Taxable,USD,2025-05-23,542981,60486,482495,1.0,44.7,34.4,10.8,10.0,HYG:26.1%;VNQ:26.1%;MUB:14.5%;BRK.B:18.8%;AAPL:14.5%,US:63.9;EU:10.7;APAC:11.1;EM:10.1;Other:4.1,Value:+0.5;Growth:+0.5;Quality:+0.1;Size:+0.9;Momentum:+0.6;LowVol:-0.1,ESGOnly;MaxPos7%;NoMargin,7,30,4.8,trailing 8%,139,19.7,Bull,11.7,4.2,2.0,73,111,100,26,false,Sell,Trim extended winner -1%,-1,-6,BrokerA,MKT,87,None,None,Normal monitoring,-25,-13,97,4,false,Tighten stops on momentum names
P5592,Cautious,Trust,USD,2024-09-19,694211,81547,612664,1.0,49.7,39.2,0.8,10.3,XLF:11.6%;IEF:9.5%;GLD:21.3%;VTI:20.8%;AAPL:16.9%;VNQ:19.9%,US:73.1;EU:17.7;APAC:5.7;EM:3.3;Other:0.2,Value:+0.9;Growth:+0.4;Quality:-0.5;Size:-0.5;Momentum:+0.8;LowVol:+0.3,ESGOnly;MaxPos6%;NoMargin,7,30,5.9,trailing 10%,97,17.3,Bull,11.7,3.89,2.4,72,53,88,35,false,Sell,Trim extended winner -1%,18,1,BrokerC,LMT,89,None,None,Normal monitoring,-6,-30,-15,4,false,Within IPS guidelines
P5593,Hands-off,Trust,USD,2025-01-07,177756,13772,163984,1.0,63.1,23.1,7.2,6.6,GLD:22.9%;IEF:15.7%;AMZN:15.7%;BND:22.9%;TSLA:22.9%,US:73.7;EU:5.1;APAC:6.4;EM:10.9;Other:3.9,Value:-0.2;Growth:-0.6;Quality:-0.8;Size:+0.1;Momentum:+0.8;LowVol:-0.7,ESGOnly;MaxPos8%;NoDerivatives,8,35,5.4,hard 10%,153,19.6,Sideways,18.4,4.25,3.5,126,42,56,50,true,Reduce,"Cut high-beta by 2-3%, add cash",6,-38,BrokerB,LMT,89,RegimeShift,Reduce,Volatility spike and breadth deterioration,55,-60,166,4,false,Within IPS guidelines
P5594,Opportunistic,Trust,USD,2024-12-16,1411298,102174,1309124,1.0,70.4,17.4,4.7,7.5,MUB:27.8%;TSLA:16.7%;MSFT:27.8%;VNQ:27.8%,US:55.5;EU:20.5;APAC:11.3;EM:10.2;Other:2.4,Value:-0.8;Growth:+0.3;Quality:+0.1;Size:+0.6;Momentum:-0.3;LowVol:+0.2,,5,35,7.0,trailing 7%,174,32.1,Sideways,16.3,3.69,3.5,126,32,53,50,false,Buy,Add to core equity +1%,-10,-2,BrokerD,VWAP,100,None,None,Normal monitoring,50,7,183,3,false,Within IPS guidelines
P5595,Cautious,Taxable,USD,2025-07-12,658801,92570,566231,1.0,44.6,36.4,2.5,16.5,HYG:25.0%;BND:25.0%;AAPL:25.0%;VTI:25.0%,US:70.5;EU:9.1;APAC:11.7;EM:7.0;Other:1.7,Value:-0.4;Growth:-0.1;Quality:+0.4;Size:+0.3;Momentum:-0.5;LowVol:-0.3,NoDerivatives;NoMargin,6,35,3.0,hard 10%,153,13.4,Bull,11.1,3.71,2.9,101,53,89,19,true,Hedge,Buy index puts 1% notional,29,-32,BrokerA,MKT,98,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-38,-35,-4,5,true,Tax-aware sells next window
P5596,Hands-off,Trust,USD,2024-11-04,841032,81321,759711,1.0,67.1,17.3,8.5,7.2,VTI:33.3%;AMZN:33.3%;BRK.B:33.3%,US:70.5;EU:10.5;APAC:7.3;EM:11.0;Other:0.7,Value:+0.4;Growth:-0.2;Quality:-0.8;Size:-0.8;Momentum:+0.4;LowVol:-0.5,,7,30,4.4,trailing 8%,119,14.3,Bear,31.8,4.11,2.0,160,-53,18,83,true,Hedge,Buy index puts 1% notional,15,-33,BrokerA,MKT,87,VAR>budget,Hedge,Risk above budget threshold,75,-34,125,4,false,Tax-aware sells next window
P5597,Active,Roth,USD,2024-07-23,1205436,112820,1092616,1.2,63.4,20.1,7.7,8.9,BRK.B:33.3%;MSFT:33.3%;VTI:33.3%,US:68.0;EU:7.3;APAC:14.0;EM:7.9;Other:2.8,Value:+0.7;Growth:+0.7;Quality:+0.3;Size:-1.0;Momentum:+0.4;LowVol:+0.4,,10,25,5.0,trailing 8%,191,27.5,Sideways,18.5,4.91,3.3,111,45,66,49,false,Buy,Add to core equity +1%,25,-39,BrokerA,LMT,89,None,None,Normal monitoring,120,-15,81,5,false,Tax-aware sells next window
P5598,Cautious,Taxable,USD,2025-09-17,511057,75266,435791,1.0,45.5,35.9,2.6,16.0,AAPL:25.0%;GLD:25.0%;VTI:25.0%;VOO:25.0%,US:63.3;EU:17.2;APAC:10.9;EM:5.3;Other:3.3,Value:-0.4;Growth:+0.2;Quality:+0.8;Size:+0.4;Momentum:-0.2;LowVol:-0.8,MaxPos7%;NoMargin,6,35,3.3,hard 10%,102,17.0,Bull,13.0,4.46,2.6,106,107,100,30,false,Buy,Add to core equity +1%,-15,-12,BrokerA,MKT,94,None,None,Normal monitoring,59,-51,122,4,false,Tighten stops on momentum names
P5599,Cautious,Roth,USD,2025-03-13,667705,77397,590308,1.0,35.7,31.8,16.1,16.4,AMZN:25.0%;IEF:25.0%;MUB:25.0%;BRK.B:25.0%,US:69.4;EU:12.3;APAC:10.2;EM:7.7;Other:0.5,Value:-0.3;Growth:+0.2;Quality:+0.8;Size:-0.5;Momentum:-0.4;LowVol:-0.9,ESGOnly;NoMargin,10,25,4.0,hard 10%,125,17.9,Bull,15.1,4.99,2.2,95,89,89,41,false,Buy,Add to core equity +1%,-13,-18,BrokerC,MKT,86,None,None,Normal monitoring,5,-26,136,3,false,Increase defensive factor exposure
P5600,Cautious,IRA,USD,2025-11-29,815551,73892,741659,1.0,44.7,38.5,5.1,11.7,AMZN:20.3%;VOO:29.3%;MSFT:21.1%;IEF:29.3%,US:69.8;EU:14.3;APAC:5.4;EM:7.3;Other:3.2,Value:0.0;Growth:+0.7;Quality:-0.2;Size:-0.7;Momentum:+0.9;LowVol:-0.2,ESGOnly;MaxPos5%;NoDerivatives;NoMargin,10,25,5.0,trailing 8%,158,16.7,Bear,34.0,4.15,3.0,196,-107,5,81,true,Rebalance,Rebalance back to target bands,-6,-3,BrokerB,VWAP,100,Drift>tolerance,Hedge,Allocation drift beyond policy bands,70,-30,116,2,false,Monitor dispersion and breadth
P5601,Hands-off,401k,USD,2025-11-21,801394,47603,753791,1.0,56.9,15.1,18.6,9.4,GLD:24.4%;AAPL:25.2%;QQQ:25.2%;IEF:25.2%,US:58.4;EU:16.9;APAC:14.0;EM:6.6;Other:4.0,Value:-0.1;Growth:+0.9;Quality:-0.5;Size:-0.0;Momentum:-0.2;LowVol:-0.9,ESGOnly,6,30,4.8,trailing 8%,140,13.6,Bear,26.9,3.58,2.4,208,-106,9,61,false,Hedge,Add TLT +1% as duration hedge,5,15,BrokerA,LMT,88,None,None,Normal monitoring,106,-54,98,4,false,Within IPS guidelines
P5602,Cautious,401k,USD,2025-06-23,847349,68478,778871,1.0,36.9,41.9,10.0,11.3,VOO:9.0%;IEF:18.0%;BND:19.3%;MSFT:14.4%;XLF:21.9%;TSLA:17.4%,US:62.8;EU:13.7;APAC:9.2;EM:11.4;Other:2.9,Value:+0.6;Growth:+0.1;Quality:+0.8;Size:+0.7;Momentum:+0.1;LowVol:-0.0,NoMargin,7,25,5.7,trailing 8%,115,19.9,Volatile,23.4,3.74,3.2,156,-42,19,55,false,Buy,Add to core equity +1%,-6,-25,BrokerA,MKT,86,None,None,Normal monitoring,18,-1,-4,3,false,Increase defensive factor exposure
P5603,Systematic,Taxable,USD,2025-07-01,1586128,129748,1456380,1.0,60.6,22.1,11.5,5.9,GLD:17.4%;XLF:24.0%;MUB:24.0%;AAPL:24.0%;BND:10.7%,US:66.1;EU:13.1;APAC:11.8;EM:8.9;Other:0.2,Value:-0.1;Growth:-0.4;Quality:+0.5;Size:+0.1;Momentum:+0.4;LowVol:-0.4,MaxPos8%,5,35,4.5,hard 12%,194,22.2,Bear,29.2,3.97,1.7,135,-2,60,70,false,Sell,Trim extended winner -1%,16,-25,BrokerC,MKT,88,None,None,Normal monitoring,92,16,172,5,false,Tax-aware sells next window
P5604,Systematic,Roth,USD,2025-08-02,1693465,164304,1529161,1.0,56.0,22.8,12.8,8.4,BND:12.3%;GLD:19.6%;AAPL:18.4%;BRK.B:14.1%;IEF:16.0%;MUB:19.6%,US:59.1;EU:17.9;APAC:10.6;EM:8.9;Other:3.4,Value:-0.5;Growth:0.0;Quality:+0.1;Size:+0.7;Momentum:+0.6;LowVol:-0.7,MaxPos7%;NoDerivatives,10,30,5.3,trailing 8%,225,19.0,Bull,14.4,4.09,3.4,74,3,59,50,true,Hedge,Buy index puts 1% notional,11,-32,BrokerA,MKT,86,VAR>budget,TightenStops,Risk above budget threshold,54,-23,38,4,false,Tighten stops on momentum names
P5605,Cautious,IRA,USD,2024-11-21,159069,14749,144320,1.0,36.7,33.3,19.9,10.1,VOO:23.5%;AMZN:23.5%;TLT:19.4%;BRK.B:16.1%;TSLA:17.5%,US:72.7;EU:9.9;APAC:6.9;EM:9.3;Other:1.2,Value:-0.3;Growth:+0.6;Quality:+0.1;Size:-0.4;Momentum:+0.5;LowVol:0.0,ESGOnly;MaxPos8%;NoMargin,8,25,3.4,trailing 10%,107,17.6,Bull,17.4,3.56,2.5,71,56,87,43,false,Buy,Add to core equity +1%,35,1,BrokerB,LMT,86,None,None,Normal monitoring,2,8,-7,5,false,Increase defensive factor exposure
P5606,Opportunistic,Roth,USD,2024-08-11,1569526,55826,1513700,1.07,66.8,14.5,13.3,5.4,GLD:34.5%;VNQ:34.5%;QQQ:31.0%,US:60.8;EU:15.1;APAC:11.5;EM:11.8;Other:0.8,Value:+0.6;Growth:+0.9;Quality:+0.7;Size:+0.4;Momentum:-0.9;LowVol:-0.1,,7,30,6.6,trailing 9%,188,26.5,Sideways,19.2,3.77,3.2,108,59,65,63,false,Sell,Trim extended winner -1%,1,-13,BrokerA,MKT,99,None,None,Normal monitoring,4,-55,41,5,false,Monitor dispersion and breadth
P5607,Hands-off,IRA,USD,2024-07-20,592823,30962,561861,1.0,57.9,18.4,14.7,8.9,HYG:33.7%;VTI:33.7%;IEF:32.6%,US:60.0;EU:20.8;APAC:10.0;EM:7.2;Other:2.1,Value:+0.7;Growth:-0.8;Quality:-0.5;Size:+0.2;Momentum:+0.3;LowVol:-0.4,ESGOnly,6,35,3.2,trailing 10%,90,12.9,Bull,14.8,4.96,2.6,95,41,71,53,false,Buy,Add to core equity +1%,0,-38,BrokerC,LMT,97,None,None,Normal monitoring,91,6,145,3,false,Within IPS guidelines
P5608,Opportunistic,IRA,USD,2024-07-27,424911,15298,409613,1.0,72.4,18.7,1.5,7.5,GLD:21.2%;QQQ:13.6%;XLF:19.5%;TLT:13.1%;AAPL:16.9%;VOO:15.8%,US:69.6;EU:10.6;APAC:6.5;EM:8.4;Other:4.8,Value:-0.1;Growth:+0.3;Quality:-0.4;Size:-0.2;Momentum:-0.8;LowVol:-0.7,MaxPos5%,6,25,6.0,hard 12%,271,24.4,Sideways,18.7,3.57,2.2,131,-22,24,56,false,Rebalance,Shift +1% to bonds from equity,6,-38,BrokerC,MKT,92,None,None,Normal monitoring,66,-3,42,3,false,Tighten stops on momentum names
P5609,Hands-off,Taxable,USD,2024-09-15,176651,11095,165556,1.0,64.0,27.3,0.0,8.8,MUB:21.6%;IEF:21.6%;QQQ:21.6%;GLD:15.0%;BND:9.2%;XLF:11.2%,US:72.6;EU:8.0;APAC:7.1;EM:12.0;Other:0.3,Value:-0.6;Growth:+0.8;Quality:-0.7;Size:+0.9;Momentum:-0.4;LowVol:+0.3,ESGOnly;MaxPos8%,8,30,4.7,hard 10%,138,19.0,Sideways,16.1,3.95,2.9,114,60,86,51,false,Hedge,Add TLT +1% as duration hedge,0,9,BrokerB,MKT,92,None,None,Normal monitoring,52,-28,135,5,false,Tax-aware sells next window
P5610,Hands-off,IRA,USD,2025-09-23,716954,66287,650667,1.0,58.9,17.6,18.5,5.0,TLT:24.9%;MUB:10.9%;XLF:14.3%;GLD:24.9%;AAPL:24.9%,US:66.3;EU:14.8;APAC:9.2;EM:8.5;Other:1.3,Value:-1.0;Growth:+0.7;Quality:-0.9;Size:-0.7;Momentum:+0.1;LowVol:-0.7,ESGOnly;MaxPos6%;NoDerivatives,8,35,3.8,trailing 8%,151,13.1,Bear,26.2,3.73,2.1,131,-67,5,66,false,Rebalance,Shift +1% to bonds from equity,1,10,BrokerC,VWAP,97,None,None,Normal monitoring,17,-50,75,4,false,Increase defensive factor exposure
P5611,Hands-off,IRA,USD,2024-09-11,792941,60388,732553,1.0,70.5,19.2,1.6,8.7,MUB:22.7%;GLD:21.5%;AAPL:14.8%;XLF:18.2%;TSLA:22.7%,US:60.1;EU:18.8;APAC:7.9;EM:12.3;Other:1.0,Value:-0.1;Growth:-0.3;Quality:+0.3;Size:+0.1;Momentum:+0.8;LowVol:+0.8,,8,25,4.3,trailing 8%,124,17.6,Bear,25.0,3.71,1.4,196,-21,37,79,true,Reduce,"Cut high-beta by 2-3%, add cash",23,-29,BrokerC,MKT,89,VAR>budget,Reduce,Risk above budget threshold,42,-56,165,5,false,Within IPS guidelines
P5612,Systematic,401k,USD,2025-03-03,633574,43988,589586,1.0,61.4,30.0,0.0,8.6,MSFT:17.9%;HYG:13.6%;BND:17.1%;VOO:17.6%;IEF:14.4%;QQQ:19.5%,US:65.9;EU:7.1;APAC:13.3;EM:10.1;Other:3.6,Value:-0.1;Growth:-1.0;Quality:+0.5;Size:-0.2;Momentum:+0.3;LowVol:-0.9,MaxPos7%;NoDerivatives,8,35,4.6,hard 12%,148,19.0,Sideways,20.8,3.6,3.4,109,55,91,55,false,Rebalance,Shift +1% to bonds from equity,-7,6,BrokerB,MKT,100,None,None,Normal monitoring,105,3,73,4,false,Tax-aware sells next window
P5613,Systematic,401k,USD,2024-10-04,1764360,136682,1627678,1.0,60.8,29.5,4.6,5.0,TSLA:25.1%;TLT:25.1%;QQQ:25.1%;MSFT:24.8%,US:71.0;EU:11.0;APAC:9.9;EM:5.2;Other:2.9,Value:+0.5;Growth:-0.1;Quality:+0.2;Size:-0.2;Momentum:-0.3;LowVol:-0.5,,5,25,5.9,trailing 9%,152,16.5,Bull,14.4,4.58,2.7,108,39,74,49,false,Sell,Trim extended winner -1%,17,-39,BrokerC,LMT,99,None,None,Normal monitoring,-18,-58,-39,5,false,Increase defensive factor exposure
P5614,Opportunistic,Roth,USD,2025-12-21,1595849,80434,1515415,1.0,66.1,19.9,6.3,7.6,XLF:27.2%;GLD:27.2%;VNQ:27.2%;BND:18.3%,US:66.2;EU:16.0;APAC:8.1;EM:6.7;Other:3.0,Value:+0.5;Growth:0.0;Quality:-0.4;Size:-0.2;Momentum:-0.0;LowVol:-0.2,MaxPos6%,8,35,7.0,trailing 9%,214,20.7,Bear,25.6,4.4,1.1,138,-55,12,66,false,Rebalance,Shift +1% to bonds from equity,28,-15,BrokerD,MKT,91,None,None,Normal monitoring,90,3,133,5,false,Monitor dispersion and breadth
P5615,Opportunistic,IRA,USD,2025-02-12,1243762,74162,1169600,1.0,75.7,17.2,0.0,7.2,BND:15.8%;QQQ:21.2%;GLD:21.9%;AAPL:6.5%;VOO:12.7%;MUB:21.9%,US:68.1;EU:11.4;APAC:9.0;EM:11.3;Other:0.2,Value:+0.5;Growth:-0.3;Quality:-0.6;Size:+0.4;Momentum:-0.1;LowVol:+0.3,MaxPos8%,6,35,5.3,trailing 9%,237,32.6,Bull,13.3,4.29,2.2,71,12,58,42,false,Rebalance,Shift +1% to bonds from equity,-15,-30,BrokerD,MKT,92,None,None,Normal monitoring,57,19,149,5,false,Within IPS guidelines
P5616,Active,Roth,USD,2024-09-21,2167161,243726,1923435,1.0,65.4,25.1,0.0,9.4,VNQ:19.9%;TSLA:9.7%;QQQ:21.9%;XLF:19.4%;BND:21.9%;HYG:7.3%,US:72.3;EU:10.5;APAC:11.0;EM:5.0;Other:1.2,Value:+0.4;Growth:-0.8;Quality:-0.6;Size:+0.4;Momentum:-0.1;LowVol:-0.0,NoDerivatives,8,35,6.0,trailing 8%,157,23.4,Bear,24.4,4.39,2.9,186,5,50,62,false,Rebalance,Shift +1% to bonds from equity,14,-1,BrokerB,VWAP,86,None,None,Normal monitoring,-7,-59,102,4,false,Monitor dispersion and breadth
P5617,Hands-off,Roth,USD,2025-12-26,535428,31589,503839,1.0,64.2,19.6,8.6,7.5,AMZN:15.1%;TSLA:22.6%;VNQ:16.7%;BND:22.8%;BRK.B:22.8%,US:68.7;EU:8.9;APAC:8.1;EM:9.4;Other:4.8,Value:-0.6;Growth:+0.6;Quality:-0.5;Size:-0.7;Momentum:-0.3;LowVol:+0.1,ESGOnly,7,35,3.7,hard 10%,131,17.5,Bull,12.6,4.99,3.2,81,90,99,43,false,Rebalance,Shift +1% to bonds from equity,4,-9,BrokerC,VWAP,94,None,None,Normal monitoring,-4,-15,5,5,false,Monitor dispersion and breadth
P5618,Active,Trust,USD,2024-07-16,1547286,148689,1398597,1.0,58.2,30.9,1.8,9.1,AAPL:22.9%;AMZN:21.5%;VTI:19.2%;BRK.B:17.7%;QQQ:18.8%,US:65.5;EU:10.8;APAC:11.9;EM:8.9;Other:2.9,Value:-0.5;Growth:-0.1;Quality:-0.2;Size:+1.0;Momentum:-0.5;LowVol:-0.9,MaxPos7%;NoDerivatives,10,35,4.5,trailing 8%,230,21.3,Volatile,31.4,3.97,2.5,160,56,81,82,true,Hedge,Buy index puts 1% notional,6,1,BrokerC,LMT,94,VAR>budget,Reduce,Risk above budget threshold,84,-1,77,4,false,Increase defensive factor exposure
P5619,Systematic,Taxable,USD,2024-10-13,1613045,152482,1460563,1.0,55.5,28.4,9.3,6.8,VTI:9.4%;VNQ:26.0%;AAPL:26.0%;MSFT:26.0%;AMZN:12.5%,US:66.2;EU:13.1;APAC:9.6;EM:6.8;Other:4.3,Value:+0.4;Growth:-0.6;Quality:+0.7;Size:-0.5;Momentum:-0.0;LowVol:+1.0,,8,35,5.0,trailing 8%,155,26.1,Volatile,25.5,3.67,4.2,135,34,54,61,false,Rebalance,Shift +1% to bonds from equity,17,-37,BrokerA,MKT,98,None,None,Normal monitoring,-51,9,61,4,false,Tax-aware sells next window
P5620,Opportunistic,Roth,USD,2025-05-01,1610297,53329,1556968,1.12,66.9,21.7,5.6,5.9,IEF:14.0%;GLD:20.9%;TSLA:20.9%;QQQ:16.2%;VTI:7.0%;VNQ:20.9%,US:67.6;EU:14.2;APAC:6.0;EM:10.4;Other:1.7,Value:+0.9;Growth:-0.5;Quality:-0.3;Size:-0.8;Momentum:+0.1;LowVol:-0.8,MaxPos8%,6,30,6.6,trailing 9%,207,26.2,Sideways,16.1,4.75,3.0,101,53,67,60,false,Rebalance,Shift +1% to bonds from equity,30,8,BrokerA,VWAP,97,None,None,Normal monitoring,87,-50,143,4,false,Tighten stops on momentum names
P5621,Hands-off,401k,USD,2025-07-09,543946,43452,500494,1.0,65.2,19.0,8.4,7.4,AAPL:16.3%;QQQ:27.9%;IEF:27.9%;VOO:27.9%,US:57.7;EU:13.2;APAC:14.3;EM:10.3;Other:4.6,Value:-0.2;Growth:-0.7;Quality:+0.2;Size:+0.2;Momentum:+0.3;LowVol:+0.2,MaxPos8%;NoDerivatives,5,35,5.8,trailing 10%,110,13.6,Bull,16.5,4.98,3.0,102,51,62,59,true,Rebalance,Rebalance back to target bands,22,-37,BrokerC,LMT,88,Drift>tolerance,Hedge,Allocation drift beyond policy bands,37,-27,126,3,false,Tax-aware sells next window
P5622,Hands-off,Roth,USD,2024-07-04,338291,25163,313128,1.0,64.0,20.7,6.0,9.3,VNQ:21.5%;AMZN:12.5%;TSLA:20.4%;AAPL:6.0%;XLF:18.0%;BRK.B:21.5%,US:63.3;EU:17.2;APAC:13.7;EM:4.5;Other:1.3,Value:+0.8;Growth:+0.5;Quality:-0.3;Size:-0.9;Momentum:+0.7;LowVol:+0.9,,6,25,4.6,trailing 8%,130,16.2,Volatile,25.2,4.98,2.0,137,10,40,70,false,Rebalance,Shift +1% to bonds from equity,-14,6,BrokerB,MKT,93,None,None,Normal monitoring,24,5,74,3,false,Within IPS guidelines
P5623,Hands-off,Trust,USD,2025-04-13,226408,22286,204122,1.0,74.4,15.8,0.7,9.1,AMZN:26.5%;VTI:20.5%;BRK.B:26.5%;HYG:26.5%,US:59.7;EU:17.6;APAC:12.9;EM:7.5;Other:2.2,Value:+0.7;Growth:-0.0;Quality:-0.4;Size:-0.6;Momentum:-0.8;LowVol:+0.3,,10,25,5.9,trailing 10%,123,19.6,Volatile,25.2,3.95,4.2,159,-52,20,67,false,Rebalance,Shift +1% to bonds from equity,4,-18,BrokerC,VWAP,98,None,None,Normal monitoring,-16,-50,26,3,false,Within IPS guidelines
P5624,Systematic,Roth,USD,2024-07-24,1787868,129481,1658387,1.0,56.2,21.0,13.3,9.5,MUB:24.2%;BND:24.2%;QQQ:11.5%;IEF:15.9%;HYG:24.2%,US:69.0;EU:8.4;APAC:9.6;EM:10.7;Other:2.4,Value:+0.3;Growth:-0.4;Quality:+0.9;Size:+0.5;Momentum:-0.3;LowVol:+0.6,MaxPos5%,10,35,5.9,hard 12%,193,27.6,Bear,31.4,4.08,1.5,169,-3,63,81,true,Hedge,Buy index puts 1% notional,-3,-6,BrokerA,MKT,92,VAR>budget,Hedge,Risk above budget threshold,-55,16,-8,5,false,Tax-aware sells next window
P5625,Systematic,Taxable,USD,2024-07-24,444753,35958,408795,1.0,64.7,25.4,0.2,9.7,GLD:33.3%;VTI:33.3%;QQQ:33.3%,US:69.6;EU:12.8;APAC:9.0;EM:6.6;Other:2.0,Value:+0.9;Growth:-0.1;Quality:-0.7;Size:-0.2;Momentum:-0.2;LowVol:-0.0,MaxPos8%,5,25,5.9,trailing 8%,212,21.3,Bull,14.3,4.78,3.2,89,30,74,43,false,Rebalance,Shift +1% to bonds from equity,34,10,BrokerD,LMT,97,None,None,Normal monitoring,21,-16,135,3,false,Increase defensive factor exposure
P5626,Cautious,Roth,USD,2024-10-21,343992,37087,306905,1.0,44.5,37.0,7.7,10.8,TLT:21.4%;QQQ:14.2%;HYG:22.7%;TSLA:19.0%;MSFT:22.7%,US:69.6;EU:9.3;APAC:11.4;EM:8.0;Other:1.7,Value:+1.0;Growth:-0.1;Quality:+0.5;Size:+0.7;Momentum:-0.1;LowVol:-0.9,NoDerivatives;NoMargin,7,35,4.1,hard 10%,92,15.5,Sideways,16.9,3.62,3.0,119,-1,55,40,true,Hedge,Buy index puts 1% notional,25,-30,BrokerC,VWAP,89,VAR>budget,Hedge,Risk above budget threshold,74,-13,65,3,false,Tax-aware sells next window
P5627,Opportunistic,Trust,USD,2024-10-10,657041,46974,610067,1.0,70.4,20.5,1.6,7.6,BRK.B:20.7%;AAPL:10.4%;VNQ:8.2%;AMZN:19.3%;MSFT:20.7%;BND:20.7%,US:68.2;EU:13.0;APAC:11.3;EM:4.2;Other:3.3,Value:+0.2;Growth:+0.4;Quality:-0.0;Size:0.0;Momentum:-0.8;LowVol:-0.6,,7,30,5.7,trailing 9%,269,28.6,Volatile,29.1,4.52,3.6,120,61,71,83,true,Hedge,Buy index puts 1% notional,-2,2,BrokerB,LMT,100,VAR>budget,Hedge,Risk above budget threshold,83,17,186,4,false,Tax-aware sells next window
P5628,Systematic,Trust,USD,2024-07-15,924033,50358,873675,1.0,59.6,31.8,0.0,8.6,TLT:21.1%;IEF:13.1%;QQQ:11.1%;VNQ:13.1%;HYG:20.5%;VOO:21.1%,US:64.8;EU:19.0;APAC:8.3;EM:7.0;Other:0.9,Value:+0.8;Growth:-0.9;Quality:+0.4;Size:+0.6;Momentum:-0.6;LowVol:+0.2,MaxPos8%,7,35,4.6,trailing 8%,210,16.3,Bull,11.2,4.16,3.2,80,10,70,30,false,Rebalance,Shift +1% to bonds from equity,-5,-3,BrokerD,MKT,85,None,None,Normal monitoring,-23,-17,61,3,false,Tax-aware sells next window
P5629,Hands-off,IRA,USD,2025-12-11,665727,40873,624854,1.0,65.3,27.7,0.0,7.1,MUB:15.2%;BND:18.9%;HYG:19.6%;GLD:11.1%;AAPL:20.2%;IEF:15.0%,US:69.9;EU:12.0;APAC:7.5;EM:9.1;Other:1.5,Value:-0.8;Growth:-0.5;Quality:+0.9;Size:-0.5;Momentum:-0.5;LowVol:+0.4,,8,25,5.4,trailing 8%,142,17.0,Bear,28.0,3.95,2.2,161,-65,26,72,true,Reduce,"Cut high-beta by 2-3%, add cash",-7,-21,BrokerD,LMT,95,Drift>tolerance,Pause,Allocation drift beyond policy bands,43,20,65,3,false,Tax-aware sells next window
P5630,Opportunistic,401k,USD,2025-08-08,1644907,140462,1504445,1.0,76.8,13.6,1.1,8.5,VOO:11.8%;AAPL:25.4%;GLD:19.5%;IEF:25.4%;VNQ:17.8%,US:62.8;EU:16.9;APAC:13.1;EM:6.3;Other:0.9,Value:+0.6;Growth:-0.0;Quality:+0.7;Size:+0.6;Momentum:-0.5;LowVol:-0.7,NoDerivatives,6,30,7.0,trailing 7%,254,22.5,Sideways,14.4,4.9,2.6,134,11,45,44,false,Rebalance,Shift +1% to bonds from equity,34,-23,BrokerD,MKT,95,None,None,Normal monitoring,103,-31,155,3,false,Tighten stops on momentum names
P5631,Opportunistic,401k,USD,2024-08-24,715314,34702,680612,1.25,61.6,13.5,19.3,5.6,BND:22.5%;QQQ:18.3%;VTI:14.3%;IEF:22.2%;HYG:22.5%,US:67.5;EU:10.1;APAC:15.6;EM:3.6;Other:3.2,Value:-0.6;Growth:+0.7;Quality:+0.8;Size:+0.8;Momentum:-0.0;LowVol:-0.4,MaxPos8%,7,25,6.1,trailing 7%,206,34.8,Volatile,26.2,3.64,2.2,160,-57,28,75,true,Reduce,"Cut high-beta by 2-3%, add cash",16,-24,BrokerA,LMT,100,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-21,-20,13,5,false,Increase defensive factor exposure
P5632,Cautious,IRA,USD,2025-11-06,597505,75287,522218,1.0,48.2,38.8,0.0,13.0,AMZN:33.3%;TLT:33.3%;AAPL:33.3%,US:71.7;EU:9.0;APAC:9.6;EM:6.4;Other:3.2,Value:+0.7;Growth:+0.7;Quality:-0.8;Size:+0.8;Momentum:+0.3;LowVol:+0.3,NoMargin,5,35,5.5,trailing 8%,148,15.8,Sideways,20.4,3.97,2.7,117,29,58,41,false,Hedge,Add TLT +1% as duration hedge,30,5,BrokerB,MKT,86,None,None,Normal monitoring,116,-30,91,5,false,Tighten stops on momentum names
P5633,Opportunistic,401k,USD,2024-12-04,1382137,89487,1292650,1.0,69.0,14.5,10.3,6.3,AAPL:26.6%;MUB:36.7%;AMZN:36.7%,US:74.4;EU:8.3;APAC:10.7;EM:4.1;Other:2.4,Value:-0.1;Growth:-0.8;Quality:+0.3;Size:+0.7;Momentum:+0.3;LowVol:-0.0,,7,25,6.6,trailing 7%,246,27.2,Bull,13.1,4.77,2.3,117,54,70,49,false,Sell,Trim extended winner -1%,33,-13,BrokerB,LMT,99,None,None,Normal monitoring,106,10,194,3,false,Within IPS guidelines
P5634,Active,Roth,USD,2025-07-17,1933773,181645,1752128,1.0,51.6,18.9,19.9,9.6,VTI:25.0%;VNQ:25.0%;BRK.B:25.0%;MUB:25.0%,US:64.3;EU:15.3;APAC:15.1;EM:3.9;Other:1.3,Value:-0.7;Growth:+0.9;Quality:+1.0;Size:+0.2;Momentum:-0.8;LowVol:+0.5,,6,30,4.4,trailing 9%,216,21.2,Sideways,14.1,4.92,2.5,120,23,76,36,false,Rebalance,Shift +1% to bonds from equity,-15,-16,BrokerC,LMT,97,None,None,Normal monitoring,102,13,144,5,false,Tax-aware sells next window
P5635,Hands-off,IRA,USD,2025-04-22,230990,12922,218068,1.0,58.1,21.9,11.5,8.5,GLD:28.1%;AMZN:28.1%;MSFT:27.4%;VNQ:16.4%,US:66.4;EU:16.9;APAC:5.5;EM:10.2;Other:1.0,Value:-0.0;Growth:+0.6;Quality:-0.7;Size:-0.4;Momentum:-0.9;LowVol:0.0,,6,35,3.7,trailing 8%,153,17.8,Volatile,23.4,4.43,2.6,135,13,47,66,false,Sell,Trim extended winner -1%,13,8,BrokerB,LMT,87,None,None,Normal monitoring,23,-1,69,5,false,Monitor dispersion and breadth
P5636,Hands-off,Taxable,USD,2024-12-23,426852,34117,392735,1.0,66.5,24.9,1.4,7.2,BND:25.7%;XLF:25.2%;VTI:23.3%;GLD:25.7%,US:66.8;EU:14.9;APAC:6.3;EM:8.4;Other:3.6,Value:+0.2;Growth:-0.6;Quality:+0.4;Size:+0.3;Momentum:+0.1;LowVol:-0.0,ESGOnly;NoDerivatives,7,35,5.1,hard 10%,103,17.3,Bull,11.0,4.91,3.1,77,36,81,45,false,Sell,Trim extended winner -1%,35,-25,BrokerA,VWAP,87,None,None,Normal monitoring,-7,-18,54,4,false,Increase defensive factor exposure
P5637,Systematic,Taxable,USD,2024-10-16,862366,54234,808132,1.0,62.4,28.4,0.0,9.2,IEF:33.3%;TLT:33.3%;VNQ:33.3%,US:67.9;EU:6.3;APAC:12.3;EM:9.7;Other:3.9,Value:-0.2;Growth:-0.6;Quality:-0.1;Size:-0.3;Momentum:+0.8;LowVol:-0.7,,5,35,4.5,trailing 8%,164,16.0,Bull,17.7,3.72,2.8,114,71,72,42,true,Hedge,Buy index puts 1% notional,-15,11,BrokerC,MKT,87,Drift>tolerance,Reduce,Allocation drift beyond policy bands,41,-33,93,3,false,Increase defensive factor exposure
P5638,Hands-off,401k,USD,2025-12-10,678006,53213,624793,1.0,69.0,21.7,0.0,9.3,VOO:33.3%;AAPL:33.3%;HYG:33.3%,US:66.3;EU:8.9;APAC:13.1;EM:10.3;Other:1.4,Value:+0.6;Growth:-0.9;Quality:+0.2;Size:+0.8;Momentum:-0.3;LowVol:+0.1,,6,30,3.3,trailing 8%,106,13.5,Sideways,19.8,4.89,3.0,96,-8,43,59,false,Sell,Trim extended winner -1%,-14,6,BrokerD,LMT,92,None,None,Normal monitoring,33,17,41,4,false,Within IPS guidelines
P5639,Active,Taxable,USD,2025-08-29,1811157,114279,1696878,1.0,59.6,18.2,16.2,5.9,VOO:13.1%;IEF:22.1%;BND:22.1%;VNQ:17.5%;MUB:10.2%;TLT:15.0%,US:56.5;EU:15.9;APAC:15.3;EM:11.4;Other:0.9,Value:-0.1;Growth:-0.3;Quality:+0.7;Size:-0.6;Momentum:-0.9;LowVol:+0.3,NoDerivatives,7,25,5.1,trailing 9%,193,22.8,Bull,15.0,4.24,2.5,99,53,91,44,false,Hedge,Add TLT +1% as duration hedge,-9,-40,BrokerA,LMT,91,None,None,Normal monitoring,78,-47,40,3,false,Tax-aware sells next window
P5640,Cautious,Taxable,USD,2024-12-31,483831,66946,416885,1.0,49.0,37.5,0.0,13.5,AMZN:33.3%;MUB:33.3%;QQQ:33.3%,US:74.8;EU:9.3;APAC:8.3;EM:6.3;Other:1.3,Value:-0.2;Growth:-0.2;Quality:+0.5;Size:+0.3;Momentum:-0.2;LowVol:-0.8,MaxPos8%;NoMargin,10,35,5.1,hard 10%,139,12.2,Bear,26.9,3.91,1.7,177,-87,5,71,true,Hedge,Buy index puts 1% notional,24,7,BrokerC,LMT,89,VAR>budget,Hedge,Risk above budget threshold,96,-24,214,4,false,Tighten stops on momentum names
P5641,Opportunistic,Trust,USD,2024-08-14,333124,22766,310358,1.0,65.0,20.5,5.8,8.8,GLD:16.2%;XLF:15.2%;TSLA:17.7%;BND:19.9%;IEF:13.5%;QQQ:17.5%,US:68.5;EU:12.9;APAC:7.8;EM:6.4;Other:4.4,Value:+0.9;Growth:+0.6;Quality:+0.6;Size:+0.4;Momentum:+0.7;LowVol:-0.4,,8,35,4.9,trailing 7%,210,26.8,Bear,31.4,3.93,1.4,161,-25,43,77,true,Hedge,Buy index puts 1% notional,1,-25,BrokerC,LMT,90,VAR>budget,Hedge,Risk above budget threshold,118,-38,154,2,false,Tighten stops on momentum names
P5642,Systematic,Taxable,USD,2024-09-07,1164245,63207,1101038,1.0,62.4,24.0,8.1,5.5,AAPL:24.1%;GLD:14.0%;TSLA:24.1%;VOO:24.1%;XLF:13.6%,US:55.8;EU:19.0;APAC:15.1;EM:9.2;Other:0.9,Value:-0.3;Growth:+0.1;Quality:-0.9;Size:+0.9;Momentum:-0.2;LowVol:+0.3,,5,35,5.2,trailing 8%,157,18.9,Bear,24.2,3.06,1.4,187,-14,40,75,true,Hedge,Buy index puts 1% notional,30,11,BrokerA,MKT,96,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-24,-2,23,4,false,Tighten stops on momentum names
P5643,Opportunistic,Taxable,USD,2025-04-23,1350012,42831,1307181,1.0,72.6,10.1,13.2,4.1,VNQ:14.7%;VTI:13.1%;TLT:20.1%;VOO:18.2%;TSLA:17.2%;BND:16.6%,US:64.2;EU:11.2;APAC:9.7;EM:10.1;Other:4.7,Value:-0.6;Growth:+0.6;Quality:+0.3;Size:-0.8;Momentum:+0.9;LowVol:-0.6,MaxPos6%,5,35,6.4,trailing 9%,232,23.9,Bear,25.5,4.1,2.4,186,11,67,80,true,Rebalance,Rebalance back to target bands,-7,-38,BrokerA,LMT,92,Drift>tolerance,Hedge,Allocation drift beyond policy bands,90,-6,89,5,false,Increase defensive factor exposure
P5644,Hands-off,401k,USD,2025-01-09,360972,33399,327573,1.0,64.4,28.7,0.0,7.0,BRK.B:27.7%;VOO:17.0%;IEF:27.7%;TLT:27.7%,US:73.8;EU:9.1;APAC:11.8;EM:4.4;Other:0.9,Value:-0.1;Growth:+0.5;Quality:+0.4;Size:+0.3;Momentum:+0.2;LowVol:+0.6,,7,35,3.3,trailing 8%,163,15.4,Volatile,29.8,5.18,2.2,153,-55,36,83,true,Hedge,Buy index puts 1% notional,26,-11,BrokerB,LMT,98,VAR>budget,Reduce,Risk above budget threshold,81,-39,207,2,false,Monitor dispersion and breadth
P5645,Active,Roth,USD,2025-05-02,703225,64146,639079,1.0,51.0,31.4,12.3,5.2,QQQ:22.0%;HYG:22.0%;XLF:12.2%;MSFT:22.0%;VTI:22.0%,US:61.4;EU:9.1;APAC:14.8;EM:10.0;Other:4.7,Value:-0.5;Growth:+0.3;Quality:+0.4;Size:+0.4;Momentum:-0.1;LowVol:-0.4,MaxPos5%,7,30,4.9,trailing 8%,178,25.3,Volatile,25.9,5.45,2.0,122,36,76,56,false,Rebalance,Shift +1% to bonds from equity,-12,-8,BrokerA,MKT,94,None,None,Normal monitoring,90,-27,104,5,false,Tax-aware sells next window
P5646,Active,Taxable,USD,2025-08-24,2360992,186917,2174075,1.0,50.6,31.8,10.6,6.9,HYG:17.2%;VOO:20.4%;QQQ:20.4%;VNQ:17.0%;BRK.B:11.9%;XLF:13.1%,US:66.8;EU:12.2;APAC:9.0;EM:8.6;Other:3.4,Value:+1.0;Growth:+0.6;Quality:-0.7;Size:+0.4;Momentum:-0.7;LowVol:-0.9,MaxPos5%,6,30,5.0,trailing 8%,178,16.3,Bear,30.6,4.25,2.4,186,-104,7,81,true,Rebalance,Rebalance back to target bands,14,-8,BrokerB,MKT,96,Drift>tolerance,Hedge,Allocation drift beyond policy bands,81,-55,208,3,false,Tighten stops on momentum names
P5647,Cautious,Trust,USD,2025-09-09,640714,88633,552081,1.0,47.3,39.2,0.0,13.5,VTI:25.0%;HYG:25.0%;TLT:25.0%;QQQ:25.0%,US:71.1;EU:14.6;APAC:8.1;EM:6.0;Other:0.3,Value:+0.9;Growth:+1.0;Quality:-0.9;Size:+0.5;Momentum:+0.1;LowVol:-0.8,MaxPos7%;NoDerivatives;NoMargin,6,25,4.2,trailing 8%,170,17.9,Bull,11.5,4.74,3.1,98,38,80,36,false,NoAction,Within bands; monitor,10,-39,BrokerB,LMT,88,None,None,Normal monitoring,13,-21,116,4,false,Tax-aware sells next window
P5648,Opportunistic,Roth,USD,2025-10-06,659346,23520,635826,1.0,76.8,16.0,0.0,7.2,IEF:30.1%;VOO:22.6%;QQQ:21.8%;GLD:25.4%,US:64.1;EU:17.7;APAC:8.9;EM:4.7;Other:4.6,Value:+0.6;Growth:+0.5;Quality:-0.3;Size:+0.3;Momentum:-0.8;LowVol:+0.4,,5,35,4.0,trailing 7%,177,32.9,Bull,11.4,3.69,3.1,104,34,82,42,false,Rebalance,Shift +1% to bonds from equity,2,-4,BrokerC,MKT,99,None,None,Normal monitoring,111,14,74,4,false,Increase defensive factor exposure
P5649,Hands-off,IRA,USD,2025-07-17,648032,46654,601378,1.0,59.0,29.9,1.8,9.3,TSLA:17.0%;AMZN:24.1%;MSFT:24.1%;VNQ:24.1%;HYG:10.6%,US:66.4;EU:12.0;APAC:12.1;EM:7.7;Other:1.8,Value:-0.5;Growth:-0.9;Quality:+0.8;Size:-0.6;Momentum:+0.2;LowVol:-0.0,ESGOnly,7,25,5.0,trailing 10%,161,13.4,Bull,14.4,3.84,3.4,108,112,100,49,false,Buy,Add to core equity +1%,1,-21,BrokerA,LMT,91,None,None,Normal monitoring,88,14,125,5,false,Monitor dispersion and breadth
P5650,Systematic,401k,USD,2025-05-21,1832567,132937,1699630,1.0,61.3,30.9,0.0,7.8,VTI:15.8%;XLF:24.9%;HYG:24.9%;TLT:24.9%;GLD:9.5%,US:71.3;EU:10.4;APAC:8.3;EM:4.9;Other:5.0,Value:-0.9;Growth:+0.5;Quality:+0.5;Size:-0.7;Momentum:-0.3;LowVol:+0.3,MaxPos5%,7,35,4.9,hard 12%,217,26.7,Bull,16.9,3.79,3.2,84,54,73,59,false,Rebalance,Shift +1% to bonds from equity,32,-2,BrokerB,LMT,93,None,None,Normal monitoring,1,-35,-4,5,false,Tax-aware sells next window
P5651,Active,Trust,USD,2024-09-13,1851574,172526,1679048,1.07,60.8,27.2,5.3,6.7,MUB:22.9%;IEF:22.9%;AMZN:19.5%;BRK.B:11.8%;QQQ:22.9%,US:58.8;EU:19.2;APAC:16.5;EM:4.6;Other:0.8,Value:+0.9;Growth:+0.7;Quality:-0.8;Size:+0.2;Momentum:+0.2;LowVol:-0.1,,5,35,4.6,hard 12%,211,18.0,Bull,12.4,4.67,2.2,86,94,100,48,false,Sell,Trim extended winner -1%,1,5,BrokerC,LMT,93,None,None,Normal monitoring,-45,-18,45,4,false,Monitor dispersion and breadth
P5652,Opportunistic,IRA,USD,2025-03-19,1378714,113546,1265168,1.17,69.2,16.3,9.6,4.8,QQQ:17.4%;IEF:27.5%;VNQ:27.5%;VOO:27.5%,US:68.3;EU:9.7;APAC:9.4;EM:12.6;Other:0.0,Value:+0.1;Growth:-0.3;Quality:+0.1;Size:-0.6;Momentum:-0.1;LowVol:+0.7,,5,25,4.4,trailing 7%,212,31.1,Bull,15.4,4.8,2.6,118,75,73,61,false,Hedge,Add TLT +1% as duration hedge,-13,-22,BrokerA,MKT,100,None,None,Normal monitoring,99,17,158,4,false,Tax-aware sells next window
P5653,Active,401k,USD,2025-08-26,1973168,220284,1752884,1.0,57.4,27.4,9.6,5.7,AAPL:10.7%;QQQ:23.2%;IEF:23.2%;VNQ:23.2%;XLF:8.5%;GLD:11.3%,US:69.8;EU:12.7;APAC:8.5;EM:7.2;Other:1.9,Value:+0.6;Growth:+0.5;Quality:0.0;Size:+1.0;Momentum:-0.4;LowVol:-0.7,,10,35,5.4,trailing 8%,163,26.1,Volatile,27.1,4.12,3.7,153,13,65,64,false,Buy,Add to core equity +1%,-5,-30,BrokerB,LMT,94,None,None,Normal monitoring,43,-49,69,4,false,Tighten stops on momentum names
P5654,Active,Trust,USD,2025-02-19,1064681,111197,953484,1.0,62.7,19.2,9.2,8.9,VOO:33.3%;VTI:33.3%;TLT:33.3%,US:68.3;EU:16.6;APAC:5.3;EM:7.0;Other:2.8,Value:-0.0;Growth:-0.0;Quality:+0.8;Size:-0.4;Momentum:+0.1;LowVol:+0.4,,7,35,4.6,trailing 8%,124,16.2,Volatile,27.5,5.01,3.4,165,-2,63,77,true,Rebalance,Rebalance back to target bands,5,-32,BrokerB,LMT,98,Drift>tolerance,Hedge,Allocation drift beyond policy bands,71,-45,93,4,false,Tax-aware sells next window
P5655,Active,Taxable,USD,2025-01-24,1589150,159467,1429683,1.0,61.9,29.8,0.0,8.3,XLF:26.5%;MUB:21.4%;IEF:26.5%;TSLA:25.5%,US:63.6;EU:12.9;APAC:13.5;EM:4.5;Other:5.5,Value:+0.2;Growth:-0.3;Quality:-0.9;Size:+0.5;Momentum:+0.9;LowVol:-0.6,MaxPos7%,8,25,4.7,trailing 8%,122,21.4,Bear,29.7,4.47,1.8,214,-75,23,85,true,Reduce,"Cut high-beta by 2-3%, add cash",15,-24,BrokerA,VWAP,93,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-48,-25,-26,3,false,Monitor dispersion and breadth
P5656,Opportunistic,Roth,USD,2024-08-13,1562328,49791,1512537,1.22,66.9,15.7,10.4,7.0,MSFT:27.1%;HYG:23.1%;BRK.B:27.1%;IEF:22.6%,US:69.1;EU:13.5;APAC:11.6;EM:5.4;Other:0.4,Value:+0.1;Growth:+1.0;Quality:+0.2;Size:-0.9;Momentum:+0.1;LowVol:-0.9,,5,25,6.0,hard 12%,196,30.2,Bull,15.5,4.65,2.3,116,85,98,59,false,Sell,Trim extended winner -1%,27,-29,BrokerA,MKT,86,None,None,Normal monitoring,72,-56,60,4,false,Increase defensive factor exposure
P5657,Opportunistic,Trust,USD,2024-10-10,1482229,91294,1390935,1.0,71.4,15.0,5.0,8.5,QQQ:33.3%;XLF:33.3%;TLT:33.3%,US:68.8;EU:10.8;APAC:13.3;EM:3.5;Other:3.6,Value:0.0;Growth:-0.9;Quality:+0.3;Size:+0.7;Momentum:+0.2;LowVol:+0.3,,5,30,5.4,trailing 9%,185,30.4,Volatile,29.0,5.23,4.1,116,-34,29,84,true,Reduce,"Cut high-beta by 2-3%, add cash",31,-19,BrokerC,VWAP,93,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-6,-35,-19,2,false,Monitor dispersion and breadth
P5658,Systematic,Trust,USD,2025-04-01,643012,61795,581217,1.0,61.7,27.9,5.1,5.3,AAPL:25.1%;MUB:25.1%;HYG:25.1%;MSFT:24.8%,US:60.0;EU:12.8;APAC:11.9;EM:10.3;Other:4.9,Value:-0.2;Growth:-0.1;Quality:+0.6;Size:+0.4;Momentum:-0.7;LowVol:-0.1,MaxPos6%,10,25,4.0,trailing 8%,144,24.9,Bull,16.1,3.78,3.5,83,66,72,52,false,NoAction,Within bands; monitor,1,-22,BrokerA,MKT,0,None,None,Normal monitoring,-12,-56,82,3,false,Increase defensive factor exposure
P5659,Cautious,401k,USD,2024-07-05,578444,50999,527445,1.0,50.3,32.9,0.0,16.8,VTI:24.6%;QQQ:9.0%;AAPL:24.6%;XLF:17.2%;IEF:24.6%,US:71.6;EU:5.6;APAC:10.2;EM:9.4;Other:3.2,Value:+0.6;Growth:+0.2;Quality:+0.8;Size:-0.8;Momentum:-0.6;LowVol:-0.9,ESGOnly;MaxPos8%;NoDerivatives;NoMargin,10,25,4.0,trailing 10%,140,15.4,Sideways,17.9,4.6,2.9,135,27,52,55,false,Sell,Trim extended winner -1%,14,-20,BrokerD,VWAP,98,None,None,Normal monitoring,4,15,135,3,false,Within IPS guidelines
P5660,Cautious,401k,USD,2025-11-27,892848,136034,756814,1.0,47.7,38.1,0.0,14.2,QQQ:20.1%;BND:15.9%;TLT:13.9%;AMZN:18.3%;VTI:15.2%;TSLA:16.6%,US:66.4;EU:15.3;APAC:6.0;EM:10.7;Other:1.6,Value:+0.9;Growth:-0.9;Quality:+0.3;Size:-0.8;Momentum:+0.8;LowVol:-0.5,MaxPos5%;NoMargin,8,35,4.3,trailing 10%,146,18.1,Bull,17.9,4.57,3.5,117,83,76,38,false,Buy,Add to core equity +1%,-15,-15,BrokerD,VWAP,96,None,None,Normal monitoring,67,-42,200,5,false,Tighten stops on momentum names
P5661,Active,IRA,USD,2025-03-15,1942282,185272,1757010,1.0,52.8,29.5,11.8,5.9,TLT:24.3%;BRK.B:25.2%;BND:25.2%;MSFT:25.2%,US:67.0;EU:15.3;APAC:12.5;EM:4.3;Other:0.8,Value:-0.5;Growth:+0.6;Quality:+0.5;Size:+0.8;Momentum:-0.2;LowVol:-0.5,,5,35,4.6,trailing 9%,161,27.9,Sideways,16.3,4.79,2.0,140,45,62,49,false,Hedge,Add TLT +1% as duration hedge,17,-3,BrokerC,LMT,87,None,None,Normal monitoring,98,-53,91,5,false,Tax-aware sells next window
P5662,Active,Taxable,USD,2025-09-10,1120037,100750,1019287,1.23,56.5,23.9,11.7,7.9,MSFT:33.3%;MUB:33.3%;AAPL:33.3%,US:66.0;EU:18.6;APAC:5.5;EM:6.9;Other:2.9,Value:+0.2;Growth:+0.2;Quality:+0.6;Size:-0.6;Momentum:-0.9;LowVol:+0.4,,8,25,5.8,hard 12%,202,27.5,Bull,13.8,4.89,2.6,111,5,57,46,false,Hedge,Add TLT +1% as duration hedge,21,-31,BrokerC,MKT,95,None,None,Normal monitoring,49,-44,38,5,false,Tax-aware sells next window
P5663,Cautious,Roth,USD,2025-03-23,643329,56686,586643,1.0,51.4,37.2,0.0,11.4,BRK.B:23.6%;HYG:26.6%;IEF:23.1%;TLT:26.6%,US:64.3;EU:14.7;APAC:13.1;EM:6.3;Other:1.6,Value:+0.9;Growth:-0.2;Quality:+0.1;Size:-0.7;Momentum:0.0;LowVol:+0.9,ESGOnly;MaxPos6%;NoMargin,8,35,5.3,hard 10%,93,13.5,Bull,17.4,4.85,3.5,90,102,100,42,false,Sell,Trim extended winner -1%,26,-3,BrokerC,MKT,95,None,None,Normal monitoring,-46,-15,-60,5,false,Tighten stops on momentum names
P5664,Opportunistic,Taxable,USD,2024-07-28,1444090,92426,1351664,1.0,63.5,21.1,10.7,4.7,TLT:25.3%;MUB:25.3%;VTI:25.3%;VOO:11.3%;MSFT:12.9%,US:67.4;EU:11.9;APAC:13.8;EM:4.2;Other:2.7,Value:+0.3;Growth:-0.1;Quality:-0.2;Size:-0.7;Momentum:-0.6;LowVol:-0.5,NoDerivatives,8,25,5.4,hard 12%,191,31.7,Bull,15.0,3.65,2.6,73,42,79,56,false,Rebalance,Shift +1% to bonds from equity,1,-19,BrokerC,LMT,93,None,None,Normal monitoring,-34,-43,50,5,false,Tighten stops on momentum names
P5665,Active,401k,USD,2024-07-10,1624663,117100,1507563,1.18,61.8,24.9,4.3,9.0,VNQ:21.2%;TLT:9.9%;HYG:21.2%;IEF:18.3%;GLD:16.5%;VTI:12.8%,US:66.6;EU:18.0;APAC:6.4;EM:4.4;Other:4.6,Value:0.0;Growth:+0.7;Quality:+0.1;Size:+1.0;Momentum:-0.7;LowVol:-0.8,MaxPos8%,5,25,4.0,trailing 8%,193,26.4,Volatile,31.1,4.04,3.3,144,-2,45,84,true,Reduce,"Cut high-beta by 2-3%, add cash",-15,1,BrokerB,MKT,99,Drift>tolerance,Pause,Allocation drift beyond policy bands,28,9,31,5,false,Tax-aware sells next window
P5666,Cautious,Taxable,USD,2025-01-20,443279,41785,401494,1.0,47.0,36.2,3.8,13.0,AAPL:29.3%;BRK.B:29.3%;VNQ:29.3%;AMZN:12.1%,US:71.1;EU:11.7;APAC:9.8;EM:6.5;Other:0.9,Value:-0.9;Growth:-1.0;Quality:-0.0;Size:-0.2;Momentum:+0.8;LowVol:-0.9,ESGOnly;NoMargin,6,30,5.8,hard 10%,129,12.7,Bear,28.7,4.2,1.6,166,-91,5,57,false,Rebalance,Shift +1% to bonds from equity,7,-7,BrokerB,LMT,92,None,None,Normal monitoring,-49,3,-76,5,false,Monitor dispersion and breadth
P5667,Active,Trust,USD,2025-10-06,2239059,156329,2082730,1.0,67.8,21.4,4.9,5.9,TLT:20.1%;TSLA:20.7%;AAPL:20.7%;XLF:7.9%;VNQ:15.0%;GLD:15.6%,US:69.5;EU:6.1;APAC:13.3;EM:8.2;Other:2.9,Value:-0.4;Growth:+0.1;Quality:-0.7;Size:+0.2;Momentum:-0.6;LowVol:+0.9,,7,25,4.4,trailing 8%,188,26.7,Volatile,30.1,5.11,2.3,154,-19,51,79,true,Reduce,"Cut high-beta by 2-3%, add cash",0,6,BrokerC,MKT,92,Drift>tolerance,Reduce,Allocation drift beyond policy bands,120,4,201,4,false,Tax-aware sells next window
P5668,Systematic,Roth,USD,2025-05-06,679753,32455,647298,1.0,60.8,32.6,0.0,6.6,VTI:22.2%;VOO:22.2%;HYG:8.2%;BRK.B:16.3%;MUB:22.2%;TSLA:9.0%,US:61.5;EU:11.6;APAC:12.6;EM:11.4;Other:2.9,Value:-0.0;Growth:-0.4;Quality:-0.5;Size:-0.8;Momentum:+0.8;LowVol:-0.8,,6,35,4.3,hard 12%,178,22.1,Bull,17.4,4.71,2.5,85,60,70,59,false,NoAction,Within bands; monitor,34,1,BrokerA,VWAP,88,None,None,Normal monitoring,-40,-20,26,5,false,Tax-aware sells next window
P5669,Hands-off,Roth,USD,2024-11-15,801666,39226,762440,1.0,60.0,20.5,9.6,9.9,VOO:33.3%;GLD:33.3%;BRK.B:33.3%,US:69.4;EU:10.6;APAC:9.9;EM:6.5;Other:3.6,Value:-0.5;Growth:+0.9;Quality:+0.2;Size:+0.1;Momentum:0.0;LowVol:-0.6,ESGOnly;NoDerivatives,10,25,3.2,trailing 10%,103,17.2,Volatile,24.9,5.35,2.9,162,-37,38,56,false,Rebalance,Shift +1% to bonds from equity,31,-2,BrokerA,MKT,93,None,None,Normal monitoring,-59,-45,10,3,false,Tighten stops on momentum names
P5670,Cautious,Trust,USD,2024-07-12,670624,87580,583044,1.0,49.0,41.6,0.0,9.4,XLF:17.3%;QQQ:9.8%;MSFT:21.6%;HYG:21.1%;VOO:8.7%;AAPL:21.6%,US:74.4;EU:8.1;APAC:9.3;EM:8.0;Other:0.3,Value:+0.7;Growth:-0.3;Quality:+0.6;Size:0.0;Momentum:-0.2;LowVol:+0.3,NoDerivatives;NoMargin,6,35,5.5,hard 10%,142,12.1,Bull,17.6,3.84,2.4,73,7,42,48,false,Buy,Add to core equity +1%,-14,-4,BrokerB,LMT,94,None,None,Normal monitoring,80,-50,163,5,false,Increase defensive factor exposure
P5671,Active,Trust,USD,2025-02-10,2310995,139861,2171134,1.0,59.6,20.8,12.9,6.7,GLD:14.0%;MUB:10.2%;QQQ:22.3%;BND:15.3%;IEF:15.9%;VOO:22.3%,US:64.0;EU:13.4;APAC:10.3;EM:8.7;Other:3.6,Value:+0.7;Growth:-0.9;Quality:-0.9;Size:+0.5;Momentum:+0.7;LowVol:+0.3,,8,35,5.3,trailing 8%,181,20.3,Sideways,19.0,4.06,2.8,128,38,76,63,false,Rebalance,Shift +1% to bonds from equity,1,-12,BrokerD,LMT,98,None,None,Normal monitoring,-38,16,10,5,false,Monitor dispersion and breadth
P5672,Hands-off,IRA,USD,2024-08-04,232528,12425,220103,1.0,67.2,24.3,0.0,8.5,AMZN:26.2%;VOO:26.2%;TLT:21.4%;HYG:26.2%,US:62.4;EU:12.6;APAC:12.0;EM:8.4;Other:4.7,Value:-0.2;Growth:+0.4;Quality:-0.5;Size:+0.1;Momentum:-0.4;LowVol:-0.7,ESGOnly,5,30,4.7,trailing 8%,123,16.0,Volatile,23.8,4.81,4.0,159,79,75,75,true,Hedge,Buy index puts 1% notional,23,-39,BrokerB,MKT,89,Drift>tolerance,Pause,Allocation drift beyond policy bands,30,-5,105,2,false,Tax-aware sells next window
P5673,Systematic,401k,USD,2025-03-08,1826758,151283,1675475,1.0,58.7,32.1,0.0,9.2,MUB:13.6%;BRK.B:26.3%;MSFT:26.3%;GLD:21.1%;QQQ:12.6%,US:72.4;EU:8.1;APAC:12.5;EM:4.4;Other:2.7,Value:-0.6;Growth:-0.4;Quality:-0.4;Size:+0.6;Momentum:+0.7;LowVol:-0.3,NoDerivatives,5,30,4.5,trailing 8%,226,24.7,Volatile,21.0,4.12,3.0,168,16,50,60,false,Buy,Add to core equity +1%,33,1,BrokerD,LMT,98,None,None,Normal monitoring,53,-28,68,3,false,Tax-aware sells next window
P5674,Systematic,Roth,USD,2025-05-19,1778665,82193,1696472,1.0,63.2,31.9,0.0,4.9,BND:21.3%;AAPL:8.8%;MSFT:21.3%;VOO:16.9%;TLT:19.5%;MUB:12.1%,US:65.4;EU:13.4;APAC:8.1;EM:12.0;Other:1.1,Value:+0.2;Growth:+0.6;Quality:-0.0;Size:-0.4;Momentum:+0.6;LowVol:+0.6,,7,35,4.0,hard 12%,130,19.9,Sideways,18.0,4.28,2.9,109,34,69,47,false,NoAction,Within bands; monitor,1,-3,BrokerC,MKT,0,None,None,Normal monitoring,-60,-5,-25,3,false,Tighten stops on momentum names
P5675,Active,Taxable,USD,2025-09-08,1398620,105017,1293603,1.0,63.0,28.4,0.0,8.6,MSFT:33.3%;BRK.B:33.3%;XLF:33.3%,US:65.4;EU:10.9;APAC:11.6;EM:10.7;Other:1.4,Value:-0.7;Growth:-0.8;Quality:+0.4;Size:+0.1;Momentum:-0.6;LowVol:-0.2,NoDerivatives,5,35,4.5,hard 12%,125,19.5,Bull,13.1,3.98,3.1,95,54,91,41,false,Buy,Add to core equity +1%,32,-27,BrokerB,MKT,92,None,None,Normal monitoring,4,6,16,4,false,Tax-aware sells next window
P5676,Opportunistic,Taxable,USD,2025-01-26,675315,37062,638253,1.22,60.0,20.6,11.1,8.3,VOO:24.1%;VNQ:30.3%;HYG:15.4%;AMZN:30.3%,US:65.9;EU:15.9;APAC:7.2;EM:10.0;Other:0.9,Value:+0.6;Growth:-0.1;Quality:+0.2;Size:+0.8;Momentum:+0.7;LowVol:+0.1,,5,25,5.6,trailing 9%,204,34.7,Sideways,16.6,3.94,3.2,135,-25,40,46,false,Rebalance,Shift +1% to bonds from equity,24,-12,BrokerD,LMT,85,None,None,Normal monitoring,110,-45,228,3,false,Tighten stops on momentum names
P5677,Active,IRA,USD,2025-03-10,2290280,155731,2134549,1.0,61.4,20.7,8.5,9.4,BND:20.6%;HYG:20.3%;TSLA:7.2%;VNQ:14.5%;MUB:16.8%;IEF:20.6%,US:62.8;EU:19.0;APAC:9.1;EM:8.5;Other:0.5,Value:+0.4;Growth:+0.7;Quality:+0.2;Size:+0.6;Momentum:+0.6;LowVol:+0.4,MaxPos7%,10,25,5.2,hard 12%,155,22.4,Sideways,21.6,4.42,2.5,137,-16,39,54,true,Reduce,"Cut high-beta by 2-3%, add cash",26,8,BrokerB,LMT,91,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,24,20,65,3,false,Monitor dispersion and breadth
P5678,Active,Roth,USD,2025-11-24,1361063,89939,1271124,1.0,66.9,25.3,2.0,5.9,BND:26.4%;GLD:20.8%;VTI:26.4%;TSLA:26.4%,US:63.4;EU:17.1;APAC:7.7;EM:9.9;Other:1.9,Value:+0.8;Growth:-0.1;Quality:+0.1;Size:+0.4;Momentum:-0.4;LowVol:-0.3,,7,35,5.1,hard 12%,130,20.8,Bull,15.9,4.67,2.4,99,108,100,55,true,Hedge,Buy index puts 1% notional,32,7,BrokerA,VWAP,92,RegimeShift,Reduce,Volatility spike and breadth deterioration,11,-18,58,5,false,Tax-aware sells next window
P5679,Active,Taxable,USD,2025-06-19,1331136,103095,1228041,1.0,54.9,22.2,15.3,7.6,GLD:34.0%;AAPL:34.0%;TSLA:31.9%,US:52.4;EU:20.2;APAC:14.0;EM:8.7;Other:4.7,Value:-0.9;Growth:+0.1;Quality:+0.7;Size:-0.3;Momentum:-0.5;LowVol:-0.5,,10,35,4.9,trailing 8%,175,20.3,Bull,13.8,4.93,3.3,84,67,98,31,false,Buy,Add to core equity +1%,25,-32,BrokerC,MKT,86,None,None,Normal monitoring,65,5,166,4,false,Tighten stops on momentum names
P5680,Systematic,IRA,USD,2024-07-09,866463,80645,785818,1.0,58.7,33.0,0.0,8.3,BND:34.4%;AAPL:31.2%;VOO:34.4%,US:67.4;EU:14.7;APAC:9.7;EM:5.5;Other:2.8,Value:+0.4;Growth:+0.7;Quality:-0.3;Size:-0.9;Momentum:+0.2;LowVol:-0.8,MaxPos5%;NoDerivatives,5,30,5.5,trailing 8%,203,26.4,Bull,11.8,3.82,2.8,75,5,50,39,false,Rebalance,Shift +1% to bonds from equity,28,-13,BrokerA,MKT,90,None,None,Normal monitoring,-12,6,42,4,false,Increase defensive factor exposure
P5681,Hands-off,401k,USD,2025-02-05,729688,64289,665399,1.0,70.8,17.5,3.7,8.0,MUB:20.1%;HYG:20.1%;MSFT:16.1%;TSLA:8.8%;BND:19.8%;VTI:15.1%,US:64.5;EU:8.7;APAC:15.3;EM:8.3;Other:3.1,Value:+0.7;Growth:+0.3;Quality:-0.7;Size:-0.0;Momentum:0.0;LowVol:+1.0,ESGOnly,5,35,4.7,trailing 8%,138,12.9,Bear,24.3,3.65,2.1,164,-120,5,74,true,Hedge,Buy index puts 1% notional,9,-35,BrokerC,MKT,89,VAR>budget,Hedge,Risk above budget threshold,-10,-6,46,3,false,Increase defensive factor exposure
P5682,Active,IRA,USD,2025-09-22,2230446,180840,2049606,1.21,62.9,27.2,1.2,8.7,IEF:33.3%;VTI:33.3%;GLD:33.3%,US:66.3;EU:17.4;APAC:4.6;EM:10.3;Other:1.5,Value:-0.7;Growth:-0.4;Quality:-1.0;Size:+0.5;Momentum:+0.7;LowVol:+1.0,MaxPos7%,10,35,4.7,trailing 8%,177,18.0,Bear,29.7,3.87,2.6,158,-77,5,71,true,Hedge,Buy index puts 1% notional,19,-16,BrokerD,LMT,95,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-40,-33,100,2,false,Monitor dispersion and breadth
P5683,Active,401k,USD,2025-07-30,826428,79216,747212,1.13,68.2,22.4,0.0,9.4,GLD:29.6%;TSLA:21.5%;VOO:29.6%;XLF:19.3%,US:70.7;EU:7.3;APAC:5.4;EM:11.7;Other:4.8,Value:+0.2;Growth:-0.8;Quality:+0.1;Size:+0.5;Momentum:-0.4;LowVol:-0.7,NoDerivatives,8,25,5.2,trailing 9%,126,25.7,Volatile,21.8,4.96,2.7,110,50,85,67,false,Buy,Add to core equity +1%,4,8,BrokerC,MKT,100,None,None,Normal monitoring,111,-23,220,3,false,Monitor dispersion and breadth
P5684,Cautious,IRA,USD,2024-11-09,405946,49309,356637,1.0,47.1,42.5,0.0,10.4,BRK.B:33.3%;MUB:33.3%;MSFT:33.3%,US:63.8;EU:18.2;APAC:5.8;EM:8.0;Other:4.1,Value:+0.6;Growth:+0.6;Quality:-0.7;Size:+0.1;Momentum:-0.6;LowVol:+0.5,ESGOnly;NoMargin,5,35,4.5,trailing 8%,148,16.0,Bear,22.8,3.31,2.7,191,-73,28,44,false,Sell,Trim extended winner -1%,-6,-24,BrokerC,LMT,94,None,None,Normal monitoring,-52,3,-12,3,false,Monitor dispersion and breadth
P5685,Active,Roth,USD,2024-12-26,1526390,122937,1403453,1.0,61.4,26.4,4.5,7.7,VOO:26.6%;AAPL:26.6%;TLT:26.6%;IEF:20.2%,US:64.9;EU:18.2;APAC:10.5;EM:4.7;Other:1.8,Value:+0.4;Growth:-0.9;Quality:+0.4;Size:+0.4;Momentum:-0.6;LowVol:+0.2,,5,30,5.3,trailing 8%,147,25.3,Sideways,19.6,4.33,2.5,109,47,68,66,false,Buy,Add to core equity +1%,13,-31,BrokerA,LMT,88,None,None,Normal monitoring,-60,-56,-82,4,false,Monitor dispersion and breadth
P5686,Cautious,Taxable,USD,2024-08-27,458728,72267,386461,1.0,40.8,39.5,6.6,13.1,MUB:19.8%;HYG:20.2%;GLD:7.1%;VOO:16.5%;XLF:18.3%;BND:18.0%,US:65.6;EU:18.3;APAC:6.5;EM:9.2;Other:0.4,Value:+0.8;Growth:+0.1;Quality:+0.3;Size:+0.1;Momentum:+0.7;LowVol:-0.9,NoMargin,6,30,5.1,trailing 8%,134,15.7,Sideways,16.1,4.02,2.8,118,42,81,42,false,Sell,Trim extended winner -1%,-5,7,BrokerA,LMT,96,None,None,Normal monitoring,24,-16,53,3,false,Monitor dispersion and breadth
P5687,Active,401k,USD,2025-03-05,1778393,200849,1577544,1.0,56.7,25.1,11.5,6.7,VOO:27.1%;VNQ:27.1%;MUB:18.6%;XLF:27.1%,US:58.7;EU:17.2;APAC:10.5;EM:9.9;Other:3.8,Value:+0.6;Growth:+0.9;Quality:-0.5;Size:-0.3;Momentum:+0.1;LowVol:-0.6,,7,35,4.6,trailing 9%,138,17.6,Volatile,21.0,3.95,3.5,179,75,82,52,true,Hedge,Buy index puts 1% notional,27,3,BrokerD,LMT,97,Drift>tolerance,Hedge,Allocation drift beyond policy bands,119,-42,148,5,false,Tighten stops on momentum names
P5688,Hands-off,IRA,USD,2024-11-03,736396,51986,684410,1.0,67.3,24.9,0.0,7.8,BRK.B:19.7%;HYG:16.7%;MUB:18.2%;MSFT:14.2%;VNQ:14.5%;XLF:16.7%,US:77.0;EU:6.2;APAC:10.3;EM:3.7;Other:2.8,Value:-0.7;Growth:+0.7;Quality:-0.6;Size:-0.2;Momentum:+0.7;LowVol:+0.1,MaxPos7%,5,25,5.6,trailing 8%,112,18.4,Sideways,21.4,3.84,3.1,106,2,41,60,false,NoAction,Within bands; monitor,32,-36,BrokerC,LMT,99,None,None,Normal monitoring,32,-17,136,4,false,Within IPS guidelines
P5689,Cautious,IRA,USD,2025-05-28,658564,76170,582394,1.0,35.9,38.0,10.0,16.2,AAPL:20.9%;TLT:20.7%;MSFT:13.9%;BRK.B:15.7%;GLD:20.9%;BND:8.0%,US:74.5;EU:8.4;APAC:7.1;EM:5.6;Other:4.4,Value:+0.5;Growth:-0.8;Quality:+0.5;Size:+1.0;Momentum:-0.7;LowVol:+0.1,NoDerivatives;NoMargin,6,25,4.5,trailing 8%,170,16.1,Volatile,26.5,4.01,2.5,133,71,93,53,false,Buy,Add to core equity +1%,33,9,BrokerB,MKT,99,None,None,Normal monitoring,44,-9,169,4,false,Tighten stops on momentum names
P5690,Systematic,Roth,USD,2024-08-02,1594613,98496,1496117,1.0,56.3,28.0,9.7,6.0,IEF:27.1%;MSFT:18.6%;AMZN:27.1%;VNQ:27.1%,US:73.1;EU:6.8;APAC:11.9;EM:5.9;Other:2.4,Value:+0.4;Growth:+0.4;Quality:+0.4;Size:+0.3;Momentum:-0.4;LowVol:-0.4,NoDerivatives,8,30,5.5,trailing 9%,127,17.3,Bear,32.9,3.98,2.9,174,-55,36,84,true,Reduce,"Cut high-beta by 2-3%, add cash",5,-17,BrokerD,MKT,98,Drift>tolerance,Hedge,Allocation drift beyond policy bands,118,-13,208,2,false,Tighten stops on momentum names
P5691,Cautious,401k,USD,2025-05-30,860439,133277,727162,1.0,40.3,34.5,8.8,16.4,MSFT:23.3%;IEF:21.8%;GLD:23.3%;MUB:10.6%;BND:9.1%;HYG:11.8%,US:67.3;EU:8.1;APAC:16.3;EM:6.5;Other:1.9,Value:-0.2;Growth:-0.8;Quality:+0.6;Size:-0.1;Momentum:-0.8;LowVol:-0.9,ESGOnly;NoDerivatives;NoMargin,7,30,5.6,trailing 8%,149,15.3,Bear,25.8,3.88,2.1,146,-40,35,46,false,Buy,Add to core equity +1%,35,-26,BrokerA,MKT,96,None,None,Normal monitoring,31,-7,-6,5,false,Monitor dispersion and breadth
P5692,Systematic,IRA,USD,2025-07-26,1405590,95743,1309847,1.0,67.1,27.8,0.0,5.1,VOO:24.6%;AMZN:16.4%;VTI:23.9%;AAPL:24.6%;MUB:10.5%,US:63.5;EU:13.2;APAC:16.8;EM:6.4;Other:0.1,Value:-0.3;Growth:+0.9;Quality:-0.1;Size:-0.2;Momentum:0.0;LowVol:-0.5,MaxPos7%,8,25,5.9,trailing 8%,121,23.3,Volatile,27.5,5.42,2.5,117,26,58,80,true,Hedge,Buy index puts 1% notional,12,-12,BrokerD,LMT,88,Drift>tolerance,Reduce,Allocation drift beyond policy bands,93,14,146,2,true,Increase defensive factor exposure
P5693,Hands-off,401k,USD,2024-09-28,380361,35312,345049,1.0,72.1,19.8,0.0,8.1,VNQ:23.9%;MSFT:17.9%;VOO:23.9%;AMZN:19.4%;MUB:14.9%,US:70.3;EU:7.5;APAC:9.8;EM:10.2;Other:2.2,Value:-0.6;Growth:-0.9;Quality:+0.6;Size:+0.2;Momentum:-0.4;LowVol:+0.6,ESGOnly,10,25,5.5,trailing 8%,92,17.2,Bear,29.0,3.89,2.3,178,-44,27,81,true,Reduce,"Cut high-beta by 2-3%, add cash",18,4,BrokerB,MKT,91,Drift>tolerance,Reduce,Allocation drift beyond policy bands,88,-30,202,3,false,Within IPS guidelines
P5694,Hands-off,401k,USD,2024-11-17,806298,46026,760272,1.0,56.0,15.8,19.3,8.9,MSFT:33.3%;QQQ:33.3%;VNQ:33.3%,US:69.0;EU:15.0;APAC:6.5;EM:9.3;Other:0.1,Value:+0.1;Growth:-0.4;Quality:+0.9;Size:-0.3;Momentum:+0.8;LowVol:-0.9,,8,25,3.1,trailing 10%,91,13.9,Volatile,23.4,3.73,3.5,158,-11,39,60,false,Sell,Trim extended winner -1%,-4,1,BrokerD,LMT,89,None,None,Normal monitoring,25,-20,80,4,false,Tighten stops on momentum names
P5695,Opportunistic,Taxable,USD,2024-10-06,1026131,67463,958668,1.0,76.4,14.7,4.4,4.6,BND:22.6%;BRK.B:9.7%;VTI:22.6%;TLT:22.6%;IEF:22.6%,US:58.9;EU:17.2;APAC:10.0;EM:9.4;Other:4.5,Value:+0.9;Growth:-0.3;Quality:+0.3;Size:-0.6;Momentum:+0.8;LowVol:+0.8,NoDerivatives,7,30,4.3,trailing 9%,194,31.5,Volatile,25.3,5.18,3.6,161,8,56,68,false,Buy,Add to core equity +1%,31,-36,BrokerA,VWAP,88,None,None,Normal monitoring,-9,-2,-11,4,false,Tax-aware sells next window
P5696,Opportunistic,Trust,USD,2025-04-16,951058,47254,903804,1.0,65.8,21.1,7.3,5.8,QQQ:20.8%;BRK.B:14.3%;IEF:20.8%;VTI:17.4%;VOO:20.8%;HYG:6.0%,US:58.8;EU:19.5;APAC:5.7;EM:11.3;Other:4.7,Value:+0.8;Growth:-0.8;Quality:-0.5;Size:+0.7;Momentum:-0.3;LowVol:-0.3,NoDerivatives,7,25,6.4,trailing 9%,240,32.1,Bull,12.0,3.85,2.8,90,106,91,48,false,Buy,Add to core equity +1%,4,-5,BrokerC,LMT,85,None,None,Normal monitoring,114,-27,158,5,false,Within IPS guidelines
P5697,Cautious,Taxable,USD,2024-12-28,528845,53920,474925,1.0,42.8,32.7,11.5,13.0,VNQ:17.2%;MUB:20.3%;TLT:19.7%;AAPL:17.8%;AMZN:14.7%;MSFT:10.3%,US:62.4;EU:17.6;APAC:11.8;EM:3.3;Other:4.8,Value:-0.6;Growth:0.0;Quality:+0.2;Size:+0.4;Momentum:-0.1;LowVol:-0.1,ESGOnly;NoMargin,6,35,4.1,trailing 8%,105,19.6,Sideways,19.8,4.84,3.4,110,49,80,50,false,Buy,Add to core equity +1%,26,7,BrokerB,MKT,90,None,None,Normal monitoring,31,-38,162,3,false,Tax-aware sells next window
P5698,Active,Trust,USD,2024-11-25,2093649,187761,1905888,1.0,59.4,28.3,2.6,9.7,MUB:19.1%;MSFT:12.1%;GLD:21.1%;IEF:21.1%;QQQ:18.7%;TLT:7.9%,US:66.7;EU:11.7;APAC:11.1;EM:6.2;Other:4.3,Value:-0.7;Growth:+0.7;Quality:-0.1;Size:+0.8;Momentum:+0.3;LowVol:-0.9,,5,35,4.6,hard 12%,130,23.0,Volatile,29.4,3.74,3.1,147,15,55,79,true,Reduce,"Cut high-beta by 2-3%, add cash",33,1,BrokerB,MKT,90,VAR>budget,Reduce,Risk above budget threshold,13,16,8,2,false,Increase defensive factor exposure
P5699,Cautious,Taxable,USD,2025-03-18,584890,92251,492639,1.0,39.3,38.1,10.1,12.4,VNQ:33.3%;IEF:33.3%;QQQ:33.3%,US:70.9;EU:9.3;APAC:10.2;EM:5.4;Other:4.2,Value:-0.0;Growth:-0.4;Quality:-0.4;Size:-0.9;Momentum:+0.1;LowVol:-0.7,ESGOnly;NoMargin,6,30,5.6,trailing 8%,143,13.4,Volatile,25.2,4.48,3.3,171,74,73,61,false,Hedge,Add TLT +1% as duration hedge,21,-3,BrokerC,MKT,87,None,None,Normal monitoring,49,-45,177,3,false,Increase defensive factor exposure
P5700,Systematic,Roth,USD,2025-02-25,1108593,84817,1023776,1.0,56.4,34.8,1.1,7.7,IEF:21.4%;TLT:5.9%;BRK.B:15.0%;AAPL:21.4%;GLD:14.8%;MUB:21.4%,US:58.9;EU:18.8;APAC:7.5;EM:10.3;Other:4.6,Value:+0.5;Growth:+0.5;Quality:-0.5;Size:-0.7;Momentum:-0.5;LowVol:0.0,,8,30,4.1,trailing 8%,164,26.0,Bear,33.9,4.07,1.6,142,-5,48,88,true,Rebalance,Rebalance back to target bands,3,0,BrokerA,LMT,95,VAR>budget,Pause,Risk above budget threshold,-4,-54,25,4,false,Monitor dispersion and breadth
P5701,Hands-off,401k,USD,2025-12-23,283801,26940,256861,1.0,63.3,26.9,1.4,8.4,GLD:27.0%;AAPL:24.5%;TSLA:27.0%;QQQ:21.6%,US:71.8;EU:7.6;APAC:7.8;EM:11.5;Other:1.3,Value:-0.9;Growth:+0.1;Quality:-0.6;Size:+0.5;Momentum:-0.7;LowVol:+1.0,ESGOnly,6,35,5.4,trailing 8%,120,13.2,Sideways,17.3,4.88,3.1,109,-4,33,44,false,Buy,Add to core equity +1%,2,-22,BrokerA,MKT,100,None,None,Normal monitoring,111,-17,214,3,false,Tax-aware sells next window
P5702,Cautious,401k,USD,2025-01-21,369081,56877,312204,1.0,38.0,34.5,10.7,16.8,BRK.B:33.8%;TSLA:32.5%;VOO:33.8%,US:71.8;EU:17.3;APAC:5.1;EM:3.5;Other:2.3,Value:-0.9;Growth:-0.7;Quality:+0.5;Size:-0.9;Momentum:-0.6;LowVol:+0.3,ESGOnly;NoMargin,10,30,4.0,hard 10%,164,13.2,Sideways,21.2,4.99,3.3,132,-23,46,37,false,Sell,Trim extended winner -1%,11,9,BrokerB,LMT,85,None,None,Normal monitoring,16,-28,146,3,false,Monitor dispersion and breadth
P5703,Systematic,401k,USD,2025-02-16,1466498,77539,1388959,1.0,63.4,20.9,10.3,5.4,AAPL:29.3%;XLF:29.3%;VOO:29.3%;VTI:12.0%,US:69.4;EU:13.0;APAC:10.6;EM:6.9;Other:0.1,Value:+0.8;Growth:-0.2;Quality:+0.4;Size:+0.3;Momentum:-0.0;LowVol:-0.8,,8,35,4.9,hard 12%,214,17.1,Sideways,21.1,4.85,2.4,137,31,66,61,false,NoAction,Within bands; monitor,7,2,BrokerD,MKT,0,None,None,Normal monitoring,-49,-13,39,4,false,Tighten stops on momentum names
P5704,Active,Roth,USD,2025-12-11,1313204,135190,1178014,1.0,65.9,26.4,0.0,7.7,TSLA:19.5%;BND:13.5%;BRK.B:14.3%;HYG:19.6%;VTI:13.1%;QQQ:20.1%,US:76.9;EU:6.6;APAC:11.7;EM:3.1;Other:1.7,Value:+0.9;Growth:-0.8;Quality:+0.7;Size:-0.4;Momentum:-1.0;LowVol:0.0,,6,25,5.8,hard 12%,166,17.6,Bull,15.1,3.69,3.5,103,25,49,57,false,Rebalance,Shift +1% to bonds from equity,3,12,BrokerB,VWAP,93,None,None,Normal monitoring,42,4,154,3,false,Tax-aware sells next window
P5705,Hands-off,IRA,USD,2025-07-26,275215,17367,257848,1.0,64.8,16.5,11.9,6.8,VNQ:34.3%;GLD:31.3%;XLF:34.3%,US:61.7;EU:17.7;APAC:12.4;EM:4.6;Other:3.7,Value:+0.9;Growth:0.0;Quality:+0.5;Size:+0.3;Momentum:+0.6;LowVol:+0.7,ESGOnly;NoDerivatives,10,35,3.2,trailing 8%,92,13.5,Bull,16.4,4.45,2.3,76,106,100,59,true,Rebalance,Rebalance back to target bands,20,-12,BrokerB,MKT,94,Drift>tolerance,Reduce,Allocation drift beyond policy bands,12,-17,142,2,false,Monitor dispersion and breadth
P5706,Hands-off,401k,USD,2025-11-02,622351,61456,560895,1.0,58.1,17.9,14.2,9.7,BRK.B:33.3%;IEF:33.3%;TSLA:33.3%,US:67.6;EU:11.9;APAC:11.9;EM:6.7;Other:2.0,Value:-0.2;Growth:-0.1;Quality:+0.6;Size:-0.8;Momentum:+0.7;LowVol:+0.3,ESGOnly,5,35,5.1,hard 10%,152,12.7,Sideways,20.2,4.83,2.7,122,5,40,52,false,Buy,Add to core equity +1%,-5,-26,BrokerA,MKT,91,None,None,Normal monitoring,79,-47,66,5,false,Tax-aware sells next window
P5707,Cautious,IRA,USD,2024-10-14,331699,48089,283610,1.0,49.4,38.2,0.0,12.5,QQQ:33.3%;MSFT:33.3%;HYG:33.3%,US:68.4;EU:11.7;APAC:6.8;EM:12.4;Other:0.7,Value:-0.1;Growth:-0.5;Quality:+0.1;Size:-0.5;Momentum:+0.1;LowVol:+0.2,ESGOnly;NoDerivatives;NoMargin,7,25,3.7,trailing 8%,106,15.9,Bear,23.9,4.07,1.4,186,29,59,49,false,Sell,Trim extended winner -1%,23,-16,BrokerC,MKT,90,None,None,Normal monitoring,-3,-34,9,4,false,Tighten stops on momentum names
P5708,Systematic,401k,USD,2024-10-11,1899026,181536,1717490,1.0,66.2,25.6,0.0,8.2,AMZN:32.5%;TSLA:33.8%;VOO:33.8%,US:70.3;EU:10.3;APAC:9.2;EM:9.0;Other:1.1,Value:-0.4;Growth:+0.2;Quality:-0.1;Size:+0.7;Momentum:+0.9;LowVol:-0.0,MaxPos8%,6,35,4.2,trailing 9%,174,23.9,Sideways,20.2,4.52,2.1,99,23,47,62,false,Rebalance,Shift +1% to bonds from equity,27,-13,BrokerA,MKT,85,None,None,Normal monitoring,8,8,65,3,false,Tighten stops on momentum names
P5709,Active,401k,USD,2025-08-08,822011,63766,758245,1.24,56.7,27.8,6.5,9.0,XLF:28.5%;VOO:28.5%;BND:14.4%;BRK.B:28.5%,US:72.5;EU:13.1;APAC:6.3;EM:7.8;Other:0.3,Value:-0.3;Growth:-0.3;Quality:-0.8;Size:-0.9;Momentum:+0.6;LowVol:-0.2,NoDerivatives,7,35,4.5,trailing 8%,221,25.3,Bull,13.8,4.48,2.4,78,31,56,42,false,Buy,Add to core equity +1%,0,14,BrokerA,MKT,99,None,None,Normal monitoring,79,0,149,5,false,Tighten stops on momentum names
P5710,Cautious,IRA,USD,2025-09-22,614214,88387,525827,1.0,41.1,43.3,2.1,13.5,MSFT:33.3%;BND:33.3%;AMZN:33.3%,US:66.0;EU:12.9;APAC:10.3;EM:6.1;Other:4.7,Value:-0.3;Growth:+0.7;Quality:+0.8;Size:+0.3;Momentum:+0.9;LowVol:+1.0,MaxPos7%;NoMargin,8,35,4.1,trailing 10%,167,13.5,Bull,17.7,4.81,2.5,82,104,96,31,false,Sell,Trim extended winner -1%,0,15,BrokerA,MKT,89,None,None,Normal monitoring,-49,16,-3,3,false,Increase defensive factor exposure
P5711,Hands-off,Taxable,USD,2024-11-07,729048,40241,688807,1.0,60.2,22.4,11.0,6.3,BRK.B:23.6%;MUB:11.8%;AAPL:17.4%;BND:23.6%;VOO:23.6%,US:71.2;EU:14.6;APAC:6.3;EM:3.3;Other:4.7,Value:+0.1;Growth:+0.6;Quality:-0.5;Size:-0.6;Momentum:-0.2;LowVol:+1.0,ESGOnly;MaxPos5%,7,35,4.9,trailing 10%,130,19.0,Sideways,19.1,3.62,3.4,121,6,68,54,false,Buy,Add to core equity +1%,28,-35,BrokerA,LMT,100,None,None,Normal monitoring,-32,-25,90,4,false,Increase defensive factor exposure
P5712,Cautious,IRA,USD,2025-04-13,379341,34500,344841,1.0,46.5,36.9,3.9,12.7,IEF:25.0%;GLD:25.0%;BRK.B:25.0%;AAPL:25.0%,US:69.4;EU:18.7;APAC:6.4;EM:4.0;Other:1.4,Value:-0.1;Growth:+0.5;Quality:0.0;Size:+0.4;Momentum:-0.3;LowVol:-0.9,NoDerivatives;NoMargin,10,25,3.5,trailing 10%,111,18.2,Bull,16.2,4.43,2.4,92,84,98,30,false,Rebalance,Shift +1% to bonds from equity,-1,1,BrokerC,VWAP,99,None,None,Normal monitoring,78,-59,119,3,false,Within IPS guidelines
P5713,Active,401k,USD,2025-03-01,1283128,108789,1174339,1.0,62.7,18.8,11.7,6.8,IEF:12.5%;AAPL:16.6%;MSFT:8.1%;HYG:21.7%;VOO:21.7%;VTI:19.4%,US:65.6;EU:8.6;APAC:10.7;EM:10.6;Other:4.5,Value:+0.3;Growth:+0.1;Quality:+0.3;Size:-0.1;Momentum:-0.3;LowVol:-1.0,NoDerivatives,10,30,4.6,trailing 9%,126,18.4,Volatile,29.0,5.25,3.7,153,-36,21,84,true,Hedge,Buy index puts 1% notional,34,-4,BrokerA,MKT,93,RegimeShift,Hedge,Volatility spike and breadth deterioration,-30,17,108,3,false,Increase defensive factor exposure
P5714,Hands-off,Taxable,USD,2024-08-01,829645,46124,783521,1.0,59.6,21.9,11.8,6.7,QQQ:33.3%;VOO:33.3%;VTI:33.3%,US:69.6;EU:12.5;APAC:10.5;EM:4.4;Other:3.0,Value:-0.1;Growth:+0.7;Quality:-0.9;Size:-0.6;Momentum:+0.9;LowVol:-0.0,NoDerivatives,5,35,4.9,trailing 10%,154,12.9,Volatile,26.0,5.49,3.0,118,-45,24,77,true,Rebalance,Rebalance back to target bands,1,-2,BrokerD,MKT,85,Drift>tolerance,Pause,Allocation drift beyond policy bands,-44,-22,8,5,false,Tax-aware sells next window
P5715,Cautious,IRA,USD,2025-04-08,734199,91182,643017,1.0,39.7,31.7,17.4,11.2,MUB:16.8%;TSLA:22.1%;VTI:21.9%;XLF:17.1%;BND:22.1%,US:62.3;EU:12.2;APAC:12.4;EM:10.5;Other:2.6,Value:+0.8;Growth:-0.8;Quality:-0.5;Size:+0.7;Momentum:-0.9;LowVol:+0.9,NoDerivatives;NoMargin,8,35,4.2,trailing 10%,133,15.4,Bull,17.7,4.42,2.9,90,37,79,43,true,Rebalance,Rebalance back to target bands,12,-16,BrokerB,LMT,97,VAR>budget,Pause,Risk above budget threshold,105,-39,155,3,false,Tax-aware sells next window
P5716,Active,401k,USD,2024-11-06,825515,79196,746319,1.0,64.7,27.8,0.0,7.5,VOO:9.0%;VNQ:18.0%;VTI:13.6%;AMZN:13.5%;BND:23.0%;XLF:23.0%,US:72.1;EU:6.8;APAC:13.5;EM:5.5;Other:2.1,Value:-0.7;Growth:+0.8;Quality:+1.0;Size:-0.3;Momentum:+0.6;LowVol:-0.4,MaxPos5%,7,25,4.0,trailing 9%,221,22.1,Sideways,16.8,4.98,2.1,112,41,67,48,false,Rebalance,Shift +1% to bonds from equity,10,13,BrokerA,LMT,87,None,None,Normal monitoring,4,9,9,5,false,Tighten stops on momentum names
P5717,Active,401k,USD,2025-12-01,2176359,148509,2027850,1.09,50.0,20.2,23.9,5.9,MUB:21.2%;VNQ:17.8%;AAPL:10.2%;XLF:8.6%;GLD:21.2%;HYG:21.0%,US:60.5;EU:19.9;APAC:11.9;EM:4.4;Other:3.2,Value:-0.2;Growth:-0.4;Quality:+1.0;Size:-0.1;Momentum:-0.7;LowVol:-0.9,NoDerivatives,10,35,5.6,trailing 9%,187,25.6,Sideways,16.0,4.6,2.3,95,36,75,45,false,Rebalance,Shift +1% to bonds from equity,9,-30,BrokerD,MKT,92,None,None,Normal monitoring,-17,-48,66,5,false,Tighten stops on momentum names
P5718,Active,401k,USD,2025-08-11,613187,67450,545737,1.0,57.9,25.6,8.9,7.5,TSLA:18.0%;HYG:22.5%;GLD:29.8%;MSFT:29.8%,US:82.5;EU:6.1;APAC:5.5;EM:5.3;Other:0.6,Value:+0.7;Growth:+1.0;Quality:-0.7;Size:-0.4;Momentum:+0.9;LowVol:-0.6,,10,25,4.9,trailing 8%,221,24.1,Bull,13.2,3.91,2.9,86,119,100,41,true,Hedge,Buy index puts 1% notional,9,-31,BrokerD,VWAP,90,Drift>tolerance,Reduce,Allocation drift beyond policy bands,19,-42,116,4,false,Tax-aware sells next window
P5719,Opportunistic,Roth,USD,2024-11-04,362998,17202,345796,1.0,73.0,20.9,0.4,5.7,AMZN:21.0%;MUB:21.0%;HYG:14.8%;TLT:21.0%;BND:12.2%;TSLA:10.0%,US:71.0;EU:7.9;APAC:8.4;EM:9.1;Other:3.6,Value:-0.6;Growth:+0.5;Quality:+0.7;Size:-0.9;Momentum:+0.5;LowVol:-0.9,,5,30,4.7,hard 12%,263,29.4,Bear,26.8,4.03,2.9,193,-83,12,68,false,Sell,Trim extended winner -1%,-5,-11,BrokerC,LMT,88,None,None,Normal monitoring,105,5,105,3,false,Within IPS guidelines
P5720,Hands-off,401k,USD,2024-10-12,198525,13387,185138,1.0,58.3,17.4,19.1,5.2,MSFT:15.8%;TLT:23.3%;AMZN:23.3%;XLF:8.9%;GLD:14.2%;TSLA:14.5%,US:67.9;EU:14.4;APAC:12.2;EM:3.8;Other:1.7,Value:+0.5;Growth:+0.5;Quality:+0.1;Size:-0.2;Momentum:+0.4;LowVol:-0.2,,10,30,6.0,hard 10%,113,18.9,Bear,22.7,3.61,1.5,163,-66,5,57,false,Rebalance,Shift +1% to bonds from equity,26,-8,BrokerA,MKT,99,None,None,Normal monitoring,2,-7,77,4,false,Tighten stops on momentum names
P5721,Systematic,IRA,USD,2025-07-24,665791,41231,624560,1.0,63.2,22.0,9.7,5.1,HYG:15.5%;QQQ:20.1%;VNQ:15.9%;IEF:8.6%;XLF:19.8%;AMZN:20.1%,US:56.1;EU:19.9;APAC:13.3;EM:7.2;Other:3.5,Value:-0.4;Growth:-1.0;Quality:-0.0;Size:+0.6;Momentum:-0.5;LowVol:+0.7,,10,35,5.6,trailing 9%,175,18.2,Bull,17.7,3.85,2.0,100,53,82,62,false,Buy,Add to core equity +1%,31,-21,BrokerB,MKT,99,None,None,Normal monitoring,39,-31,112,3,false,Tax-aware sells next window
P5722,Opportunistic,401k,USD,2025-11-20,1099802,58093,1041709,1.06,67.1,11.8,15.6,5.4,BRK.B:27.3%;MUB:27.3%;AMZN:27.3%;TSLA:18.1%,US:58.4;EU:20.1;APAC:6.7;EM:11.0;Other:3.8,Value:-0.3;Growth:-0.5;Quality:-0.6;Size:-0.5;Momentum:+0.5;LowVol:+0.8,,10,25,4.6,hard 12%,225,33.3,Sideways,18.4,4.16,2.1,113,-9,40,54,false,Buy,Add to core equity +1%,25,-28,BrokerA,MKT,93,None,None,Normal monitoring,29,-28,129,3,false,Within IPS guidelines
P5723,Cautious,Roth,USD,2025-04-27,755594,90986,664608,1.0,41.8,35.5,6.0,16.7,TLT:23.9%;VTI:27.8%;GLD:27.8%;BND:20.5%,US:62.9;EU:12.1;APAC:12.2;EM:11.1;Other:1.8,Value:+0.4;Growth:+0.6;Quality:+0.4;Size:+0.4;Momentum:-0.9;LowVol:+0.4,NoMargin,6,35,3.2,hard 10%,150,19.9,Volatile,28.7,4.69,4.3,178,11,46,57,false,Rebalance,Shift +1% to bonds from equity,-2,-21,BrokerD,MKT,90,None,None,Normal monitoring,45,-50,71,4,false,Within IPS guidelines
P5724,Cautious,IRA,USD,2024-07-24,823095,70432,752663,1.0,35.0,42.5,11.1,11.4,HYG:33.3%;GLD:33.3%;VNQ:33.3%,US:60.5;EU:14.9;APAC:11.5;EM:8.9;Other:4.1,Value:+0.5;Growth:0.0;Quality:-1.0;Size:+0.8;Momentum:-0.2;LowVol:-0.3,MaxPos8%;NoMargin,5,35,4.1,hard 10%,109,17.6,Bull,16.6,3.62,3.4,92,112,100,26,false,Hedge,Add TLT +1% as duration hedge,16,-1,BrokerB,MKT,97,None,None,Normal monitoring,-52,-54,-87,4,false,Within IPS guidelines
P5725,Opportunistic,Trust,USD,2025-02-14,910565,33357,877208,1.0,73.0,20.1,0.0,6.9,TSLA:33.5%;IEF:33.5%;VNQ:33.1%,US:65.5;EU:20.7;APAC:9.4;EM:3.5;Other:0.9,Value:+0.5;Growth:+0.6;Quality:-0.6;Size:+0.8;Momentum:+0.9;LowVol:+0.6,MaxPos8%,8,30,6.7,trailing 7%,190,27.0,Bull,13.7,4.94,2.7,76,49,67,60,false,Rebalance,Shift +1% to bonds from equity,-12,7,BrokerC,MKT,88,None,None,Normal monitoring,17,-15,94,3,false,Within IPS guidelines
P5726,Opportunistic,Trust,USD,2025-05-18,994316,48619,945697,1.0,74.7,14.8,3.6,6.9,MUB:33.3%;AAPL:33.3%;IEF:33.3%,US:70.2;EU:10.3;APAC:7.3;EM:11.0;Other:1.2,Value:-0.6;Growth:+0.3;Quality:-0.6;Size:+0.1;Momentum:+0.2;LowVol:-0.0,,5,30,4.0,hard 12%,196,26.8,Sideways,20.7,4.95,3.3,113,37,58,75,false,Buy,Add to core equity +1%,-10,-10,BrokerA,LMT,95,None,None,Normal monitoring,97,-21,179,3,false,Increase defensive factor exposure
P5727,Hands-off,Taxable,USD,2024-09-05,786023,50904,735119,1.0,69.8,21.2,0.0,9.0,AAPL:26.5%;VOO:26.5%;QQQ:22.1%;BRK.B:24.8%,US:70.4;EU:6.4;APAC:13.1;EM:7.9;Other:2.1,Value:+0.6;Growth:-1.0;Quality:+0.5;Size:0.0;Momentum:-0.0;LowVol:+0.6,,5,30,4.0,trailing 8%,163,15.8,Sideways,17.6,3.91,2.9,119,11,51,57,false,Rebalance,Shift +1% to bonds from equity,-7,-1,BrokerA,LMT,85,None,None,Normal monitoring,5,1,114,5,false,Monitor dispersion and breadth
P5728,Opportunistic,Taxable,USD,2025-07-12,506804,29722,477082,1.0,75.5,19.0,0.0,5.5,VOO:18.9%;IEF:28.0%;XLF:25.0%;GLD:28.0%,US:75.4;EU:12.4;APAC:6.0;EM:4.2;Other:1.9,Value:+0.2;Growth:+0.6;Quality:-0.1;Size:-0.4;Momentum:+0.4;LowVol:+0.8,,10,30,6.8,trailing 9%,225,22.8,Volatile,27.6,5.48,3.5,130,-49,16,87,true,Hedge,Buy index puts 1% notional,13,12,BrokerB,LMT,94,Drift>tolerance,Reduce,Allocation drift beyond policy bands,97,-9,186,4,false,Monitor dispersion and breadth
P5729,Active,IRA,USD,2024-08-29,1037783,93219,944564,1.0,53.0,19.9,20.3,6.8,AMZN:33.4%;TSLA:33.4%;AAPL:33.2%,US:65.7;EU:11.0;APAC:13.1;EM:8.5;Other:1.8,Value:-0.1;Growth:-0.1;Quality:+0.5;Size:-0.8;Momentum:-0.2;LowVol:+0.2,,7,35,4.7,trailing 9%,202,24.5,Volatile,28.2,4.87,2.8,163,37,66,73,true,Hedge,Buy index puts 1% notional,1,-33,BrokerD,LMT,96,Drift>tolerance,Reduce,Allocation drift beyond policy bands,106,-11,219,2,true,Increase defensive factor exposure
P5730,Hands-off,401k,USD,2024-12-03,591592,45376,546216,1.0,64.2,19.2,11.1,5.5,BND:27.5%;VNQ:27.5%;QQQ:26.1%;MUB:18.9%,US:64.5;EU:16.1;APAC:7.3;EM:10.0;Other:2.2,Value:-0.7;Growth:-0.1;Quality:+0.5;Size:-0.6;Momentum:-0.3;LowVol:+0.7,MaxPos8%,10,25,4.1,trailing 8%,113,13.2,Bull,11.2,3.63,2.5,77,9,46,37,false,Buy,Add to core equity +1%,13,0,BrokerC,LMT,93,None,None,Normal monitoring,-18,-53,-10,3,false,Within IPS guidelines
P5731,Active,IRA,USD,2024-08-07,694300,62267,632033,1.21,51.9,26.3,15.8,6.0,QQQ:16.4%;XLF:15.4%;VNQ:21.6%;BND:23.3%;VTI:23.3%,US:66.1;EU:16.1;APAC:11.0;EM:3.7;Other:3.1,Value:+0.8;Growth:-0.2;Quality:-0.5;Size:+0.4;Momentum:+0.7;LowVol:-0.3,,5,35,5.9,trailing 9%,221,18.8,Sideways,18.7,3.54,3.1,131,22,74,48,false,Rebalance,Shift +1% to bonds from equity,14,-29,BrokerB,MKT,95,None,None,Normal monitoring,-32,-7,-29,5,false,Within IPS guidelines
P5732,Hands-off,IRA,USD,2025-03-25,370059,15169,354890,1.0,65.5,28.1,0.0,6.4,MSFT:21.6%;MUB:13.6%;GLD:21.6%;AAPL:21.6%;BND:21.6%,US:61.4;EU:16.2;APAC:11.7;EM:6.8;Other:3.9,Value:-0.3;Growth:-0.6;Quality:-0.5;Size:+0.2;Momentum:+0.3;LowVol:+0.8,MaxPos5%,8,30,3.4,trailing 10%,134,13.7,Bull,11.7,4.25,2.8,96,38,71,51,false,Sell,Trim extended winner -1%,18,6,BrokerB,LMT,98,None,None,Normal monitoring,-9,-20,98,3,false,Within IPS guidelines
P5733,Opportunistic,Taxable,USD,2025-02-01,1455044,57149,1397895,1.12,60.7,12.8,19.1,7.5,HYG:11.2%;XLF:15.7%;AMZN:22.7%;VOO:18.5%;VTI:22.7%;BND:9.2%,US:57.1;EU:17.1;APAC:14.1;EM:10.4;Other:1.4,Value:-0.0;Growth:-0.0;Quality:+0.2;Size:+0.8;Momentum:-0.1;LowVol:-0.8,,8,30,6.9,trailing 7%,229,29.2,Volatile,23.7,4.4,2.7,172,41,75,69,false,Buy,Add to core equity +1%,26,-37,BrokerD,MKT,96,None,None,Normal monitoring,-33,1,-40,4,false,Tax-aware sells next window
P5734,Opportunistic,IRA,USD,2024-07-14,1398186,87389,1310797,1.16,64.3,21.8,5.0,8.9,MUB:20.6%;BRK.B:26.5%;HYG:26.5%;VNQ:26.5%,US:59.7;EU:15.8;APAC:7.7;EM:12.0;Other:4.8,Value:+0.1;Growth:-0.9;Quality:+0.7;Size:+0.5;Momentum:-0.8;LowVol:+0.7,NoDerivatives,8,25,6.0,trailing 9%,197,20.7,Bull,15.6,3.93,2.5,79,52,81,59,false,Sell,Trim extended winner -1%,12,-20,BrokerC,VWAP,90,None,None,Normal monitoring,-8,-7,45,5,false,Tax-aware sells next window
P5735,Cautious,Trust,USD,2025-07-26,348324,36471,311853,1.0,54.6,31.7,0.0,13.7,TLT:29.5%;AAPL:29.5%;AMZN:17.1%;TSLA:23.8%,US:58.7;EU:21.6;APAC:9.3;EM:7.7;Other:2.8,Value:+0.2;Growth:+0.5;Quality:+0.3;Size:-0.1;Momentum:+0.1;LowVol:+0.3,ESGOnly;MaxPos6%;NoMargin,8,25,3.8,hard 10%,140,20.0,Sideways,16.7,3.81,2.5,108,2,43,47,true,Hedge,Buy index puts 1% notional,23,-25,BrokerD,VWAP,98,VAR>budget,Hedge,Risk above budget threshold,52,-14,36,2,false,Monitor dispersion and breadth
P5736,Opportunistic,Roth,USD,2025-09-09,1186497,74463,1112034,1.0,68.6,16.8,7.0,7.6,HYG:23.2%;XLF:23.2%;MSFT:23.2%;QQQ:23.2%;BRK.B:7.4%,US:63.6;EU:13.9;APAC:11.5;EM:4.9;Other:6.1,Value:-0.4;Growth:-0.5;Quality:-0.7;Size:+0.9;Momentum:-1.0;LowVol:0.0,NoDerivatives,8,35,4.6,trailing 7%,185,29.2,Volatile,31.7,4.58,3.3,153,-46,40,78,true,Hedge,Buy index puts 1% notional,19,13,BrokerB,MKT,89,RegimeShift,Reduce,Volatility spike and breadth deterioration,41,-29,2,2,false,Tax-aware sells next window
P5737,Hands-off,Roth,USD,2025-09-22,317630,20564,297066,1.0,67.3,23.1,0.0,9.5,VOO:20.4%;AAPL:11.0%;VTI:10.7%;IEF:11.4%;AMZN:23.3%;HYG:23.3%,US:66.4;EU:13.0;APAC:12.9;EM:6.0;Other:1.7,Value:-0.6;Growth:-0.2;Quality:+0.9;Size:-1.0;Momentum:-0.3;LowVol:-0.5,MaxPos8%;NoDerivatives,10,25,5.6,trailing 8%,92,15.2,Bull,17.8,3.97,3.4,82,77,78,52,true,Rebalance,Rebalance back to target bands,26,3,BrokerD,LMT,97,RegimeShift,TightenStops,Volatility spike and breadth deterioration,116,-57,240,3,false,Tax-aware sells next window
P5738,Cautious,Roth,USD,2025-12-14,486173,42999,443174,1.0,48.7,37.0,0.0,14.3,VOO:33.3%;BND:33.3%;AAPL:33.3%,US:68.8;EU:7.5;APAC:13.0;EM:8.4;Other:2.2,Value:-0.4;Growth:+0.2;Quality:-0.1;Size:-0.4;Momentum:+0.2;LowVol:+0.3,MaxPos7%;NoDerivatives;NoMargin,10,35,5.5,hard 10%,136,13.4,Sideways,21.8,4.01,2.6,97,45,87,50,false,Buy,Add to core equity +1%,4,-26,BrokerB,MKT,98,None,None,Normal monitoring,-13,-26,56,4,false,Within IPS guidelines
P5739,Hands-off,Trust,USD,2025-09-19,378868,19071,359797,1.0,67.3,26.5,0.0,6.2,MSFT:23.0%;VNQ:12.2%;HYG:23.0%;TSLA:23.0%;MUB:18.9%,US:72.1;EU:10.6;APAC:6.8;EM:9.9;Other:0.5,Value:+0.6;Growth:+0.4;Quality:+0.5;Size:+0.5;Momentum:-0.1;LowVol:+0.7,ESGOnly,5,35,5.2,trailing 8%,159,18.8,Volatile,21.1,4.95,3.2,119,55,64,57,false,Rebalance,Shift +1% to bonds from equity,14,-13,BrokerC,MKT,95,None,None,Normal monitoring,35,-8,44,4,false,Tighten stops on momentum names
P5740,Hands-off,Taxable,USD,2024-10-25,862161,80947,781214,1.0,69.4,21.3,0.0,9.4,AAPL:29.5%;VOO:29.5%;BRK.B:11.4%;TSLA:29.5%,US:68.7;EU:18.3;APAC:5.8;EM:6.2;Other:1.0,Value:+0.4;Growth:-0.1;Quality:+0.4;Size:+0.7;Momentum:+0.4;LowVol:-0.2,ESGOnly,10,35,4.6,hard 10%,170,18.6,Sideways,19.4,4.46,3.1,128,-23,50,69,false,Sell,Trim extended winner -1%,-6,-18,BrokerC,MKT,85,None,None,Normal monitoring,106,-60,186,3,false,Tighten stops on momentum names
P5741,Cautious,IRA,USD,2025-11-22,296263,43154,253109,1.0,50.3,33.4,0.0,16.3,MSFT:15.7%;QQQ:21.3%;AAPL:10.6%;BRK.B:20.7%;TLT:21.3%;TSLA:10.5%,US:67.6;EU:15.8;APAC:7.1;EM:6.0;Other:3.5,Value:-0.1;Growth:-0.4;Quality:-0.1;Size:-0.3;Momentum:+0.3;LowVol:-0.7,ESGOnly;NoMargin,6,30,5.5,trailing 8%,94,13.6,Bull,15.7,4.42,2.9,95,10,46,37,false,Sell,Trim extended winner -1%,19,-2,BrokerB,LMT,86,None,None,Normal monitoring,47,-25,93,5,false,Increase defensive factor exposure
P5742,Cautious,Trust,USD,2025-04-22,625545,62689,562856,1.0,40.3,30.0,18.4,11.2,MUB:14.3%;QQQ:14.7%;BND:20.4%;IEF:25.2%;BRK.B:25.2%,US:65.9;EU:11.1;APAC:8.0;EM:11.9;Other:3.2,Value:+0.3;Growth:-0.8;Quality:-0.0;Size:-0.2;Momentum:-0.5;LowVol:+0.9,NoMargin,5,30,5.1,trailing 8%,168,19.8,Volatile,25.2,4.8,2.3,153,56,67,53,false,Rebalance,Shift +1% to bonds from equity,21,-7,BrokerC,LMT,96,None,None,Normal monitoring,-57,-9,35,5,false,Within IPS guidelines
P5743,Cautious,Taxable,USD,2025-09-30,258564,35754,222810,1.0,41.7,35.7,11.4,11.2,BRK.B:13.4%;VTI:21.3%;MUB:16.1%;XLF:21.3%;VOO:7.1%;TSLA:20.8%,US:65.6;EU:9.5;APAC:7.3;EM:12.1;Other:5.5,Value:+0.1;Growth:+0.2;Quality:-0.5;Size:-0.4;Momentum:+0.6;LowVol:-0.1,ESGOnly;NoMargin,8,25,4.4,trailing 10%,138,19.4,Sideways,16.4,4.2,2.3,138,-10,60,32,false,Buy,Add to core equity +1%,17,-14,BrokerD,VWAP,92,None,None,Normal monitoring,117,-44,187,4,false,Monitor dispersion and breadth
P5744,Cautious,IRA,USD,2025-04-23,862932,81870,781062,1.0,42.9,35.7,10.1,11.4,TSLA:35.9%;MSFT:28.3%;AAPL:35.9%,US:72.1;EU:10.9;APAC:7.6;EM:7.1;Other:2.5,Value:-0.7;Growth:+0.3;Quality:-0.7;Size:-0.6;Momentum:-0.5;LowVol:-0.4,NoMargin,10,30,4.1,trailing 10%,154,13.9,Sideways,21.1,4.25,3.0,112,-8,56,57,false,Rebalance,Shift +1% to bonds from equity,5,-30,BrokerD,LMT,91,None,None,Normal monitoring,73,-36,77,4,false,Tax-aware sells next window
P5745,Hands-off,401k,USD,2025-10-16,879592,57504,822088,1.0,67.4,18.3,4.4,9.9,AMZN:17.4%;AAPL:21.5%;BRK.B:18.1%;VNQ:21.5%;BND:21.5%,US:71.1;EU:14.6;APAC:4.7;EM:5.4;Other:4.2,Value:-0.2;Growth:-1.0;Quality:-0.7;Size:-0.4;Momentum:-0.3;LowVol:-0.6,,10,30,4.8,trailing 10%,143,18.8,Sideways,18.7,4.44,2.9,133,9,47,50,false,Rebalance,Shift +1% to bonds from equity,29,-24,BrokerA,VWAP,99,None,None,Normal monitoring,-31,6,62,4,false,Within IPS guidelines
P5746,Active,Trust,USD,2025-11-23,2180310,175657,2004653,1.0,55.8,30.8,3.6,9.9,MSFT:20.9%;HYG:17.4%;XLF:9.8%;GLD:20.3%;IEF:17.8%;AMZN:13.8%,US:62.6;EU:8.5;APAC:15.6;EM:9.4;Other:3.9,Value:+0.9;Growth:+0.7;Quality:+0.5;Size:+0.4;Momentum:-0.6;LowVol:+0.7,MaxPos6%;NoDerivatives,5,35,5.5,trailing 8%,182,27.6,Volatile,26.1,4.75,2.9,136,-54,15,64,false,Sell,Trim extended winner -1%,-11,-23,BrokerD,MKT,88,None,None,Normal monitoring,5,-38,87,4,false,Tax-aware sells next window
P5747,Hands-off,401k,USD,2025-11-04,490613,29365,461248,1.0,63.9,25.7,0.9,9.5,BND:14.8%;TLT:21.4%;MUB:21.4%;TSLA:21.4%;MSFT:10.4%;AAPL:10.6%,US:66.5;EU:11.3;APAC:12.6;EM:4.9;Other:4.8,Value:+0.7;Growth:-0.3;Quality:+0.8;Size:+0.8;Momentum:-0.5;LowVol:-0.8,ESGOnly;MaxPos7%,10,25,3.9,trailing 8%,106,19.7,Volatile,20.1,4.38,3.4,172,-42,30,60,false,Sell,Trim extended winner -1%,35,-8,BrokerD,LMT,89,None,None,Normal monitoring,-4,-1,111,4,false,Monitor dispersion and breadth
P5748,Hands-off,401k,USD,2024-08-17,541599,46377,495222,1.0,67.7,22.8,0.0,9.5,VTI:17.8%;IEF:16.3%;TSLA:24.2%;VOO:17.4%;XLF:24.2%,US:76.4;EU:9.6;APAC:5.9;EM:6.3;Other:1.8,Value:-0.2;Growth:-0.6;Quality:-0.9;Size:-0.4;Momentum:-0.5;LowVol:+0.6,,5,35,4.2,hard 10%,97,19.3,Sideways,20.1,3.58,3.5,99,60,66,57,false,Hedge,Add TLT +1% as duration hedge,17,3,BrokerC,MKT,99,None,None,Normal monitoring,6,-50,-23,4,false,Monitor dispersion and breadth
P5749,Cautious,Roth,USD,2025-09-05,162449,15830,146619,1.0,38.8,38.9,7.1,15.1,BRK.B:26.3%;MSFT:21.2%;TLT:26.3%;VNQ:26.3%,US:65.1;EU:13.8;APAC:11.1;EM:8.7;Other:1.2,Value:+0.3;Growth:-0.2;Quality:+0.4;Size:-0.8;Momentum:-0.6;LowVol:-0.2,MaxPos8%;NoDerivatives;NoMargin,8,25,5.2,trailing 8%,162,14.5,Bull,13.1,3.98,3.1,85,77,74,33,false,Rebalance,Shift +1% to bonds from equity,15,-20,BrokerB,MKT,86,None,None,Normal monitoring,32,-52,68,3,false,Monitor dispersion and breadth
P5750,Opportunistic,IRA,USD,2024-11-28,403702,33329,370373,1.05,67.7,20.3,5.2,6.8,VNQ:21.7%;MUB:21.7%;MSFT:21.7%;QQQ:8.6%;TLT:19.6%;AMZN:6.6%,US:61.3;EU:16.1;APAC:8.4;EM:10.8;Other:3.4,Value:-1.0;Growth:+0.8;Quality:-0.6;Size:-0.1;Momentum:+0.2;LowVol:+1.0,,7,25,4.6,hard 12%,250,28.4,Volatile,24.1,3.66,3.0,152,-38,35,78,true,Hedge,Buy index puts 1% notional,7,-5,BrokerC,VWAP,92,VAR>budget,Reduce,Risk above budget threshold,106,-35,199,5,false,Tax-aware sells next window
P5751,Hands-off,401k,USD,2024-09-23,886266,84905,801361,1.0,62.1,17.7,14.6,5.6,XLF:28.4%;HYG:22.1%;GLD:21.0%;VTI:28.4%,US:77.4;EU:7.5;APAC:8.9;EM:5.4;Other:0.7,Value:-0.2;Growth:-0.8;Quality:+0.9;Size:+0.9;Momentum:+0.3;LowVol:+0.4,ESGOnly;MaxPos8%;NoDerivatives,5,35,4.4,hard 10%,126,12.3,Volatile,27.6,4.87,2.6,161,75,96,75,true,Reduce,"Cut high-beta by 2-3%, add cash",33,4,BrokerD,MKT,85,RegimeShift,Pause,Volatility spike and breadth deterioration,68,8,103,3,false,Tax-aware sells next window
P5752,Hands-off,Trust,USD,2025-01-14,446397,36137,410260,1.0,63.8,29.5,0.0,6.7,MSFT:33.3%;VNQ:33.3%;AMZN:33.3%,US:64.2;EU:14.7;APAC:11.9;EM:8.5;Other:0.7,Value:+1.0;Growth:+0.3;Quality:+0.4;Size:-0.6;Momentum:+0.3;LowVol:-0.3,ESGOnly;NoDerivatives,6,35,3.5,hard 10%,115,18.9,Bull,13.9,4.33,2.3,84,33,69,38,false,Rebalance,Shift +1% to bonds from equity,1,-14,BrokerA,MKT,87,None,None,Normal monitoring,-27,8,26,3,false,Monitor dispersion and breadth
P5753,Systematic,IRA,USD,2024-07-17,982864,90153,892711,1.0,62.9,27.6,0.5,9.0,IEF:27.3%;TSLA:36.3%;GLD:36.3%,US:70.6;EU:11.5;APAC:10.4;EM:5.2;Other:2.3,Value:-0.9;Growth:-0.1;Quality:+0.2;Size:+0.7;Momentum:-0.5;LowVol:-0.6,MaxPos6%,8,25,4.5,trailing 8%,172,26.8,Volatile,23.8,4.41,2.7,176,23,70,74,true,Hedge,Buy index puts 1% notional,-10,-7,BrokerB,LMT,87,Drift>tolerance,Pause,Allocation drift beyond policy bands,-11,-36,109,3,false,Tax-aware sells next window
P5754,Systematic,Roth,USD,2024-09-29,684424,28411,656013,1.0,61.1,28.0,1.1,9.8,GLD:26.9%;MSFT:26.9%;AMZN:26.9%;BRK.B:19.2%,US:67.3;EU:15.3;APAC:12.3;EM:3.1;Other:2.0,Value:-0.0;Growth:+1.0;Quality:+0.9;Size:-0.3;Momentum:+0.1;LowVol:-0.7,,6,30,4.4,trailing 9%,168,26.1,Bull,15.2,4.89,2.4,70,96,98,45,false,Buy,Add to core equity +1%,13,-21,BrokerD,VWAP,97,None,None,Normal monitoring,87,-34,223,5,false,Monitor dispersion and breadth
P5755,Opportunistic,Taxable,USD,2025-09-28,616223,23796,592427,1.0,67.5,11.8,13.2,7.5,QQQ:28.7%;BRK.B:13.8%;TSLA:28.7%;VNQ:28.7%,US:60.9;EU:12.6;APAC:13.5;EM:11.3;Other:1.6,Value:-0.6;Growth:+0.6;Quality:+0.2;Size:-0.8;Momentum:0.0;LowVol:-0.1,MaxPos7%,5,30,5.7,trailing 7%,258,22.9,Bull,14.5,4.24,3.2,79,67,92,41,false,Rebalance,Shift +1% to bonds from equity,-13,-4,BrokerC,LMT,90,None,None,Normal monitoring,60,-6,23,3,false,Tighten stops on momentum names
P5756,Systematic,Roth,USD,2025-01-13,913194,64851,848343,1.0,57.3,33.2,2.1,7.4,MSFT:17.7%;VTI:25.9%;HYG:12.2%;TSLA:18.4%;IEF:25.9%,US:67.3;EU:11.4;APAC:14.0;EM:6.5;Other:0.8,Value:-0.7;Growth:-0.5;Quality:-0.7;Size:-0.9;Momentum:+0.1;LowVol:+0.7,,10,35,6.0,trailing 8%,184,24.1,Sideways,16.7,4.45,2.0,138,50,74,53,false,Buy,Add to core equity +1%,-6,-19,BrokerC,MKT,88,None,None,Normal monitoring,3,-35,88,3,false,Tax-aware sells next window
P5757,Cautious,IRA,USD,2024-10-01,691708,108748,582960,1.0,37.3,31.9,14.5,16.3,GLD:23.5%;IEF:23.5%;XLF:12.4%;TSLA:23.5%;BND:17.1%,US:67.9;EU:9.5;APAC:9.1;EM:9.8;Other:3.8,Value:-0.5;Growth:+0.3;Quality:+0.9;Size:+0.7;Momentum:+0.7;LowVol:+0.8,ESGOnly;NoDerivatives;NoMargin,6,35,4.4,hard 10%,145,18.2,Sideways,17.0,3.53,2.4,128,7,61,27,false,Sell,Trim extended winner -1%,-7,-34,BrokerC,MKT,94,None,None,Normal monitoring,112,9,110,3,false,Within IPS guidelines
P5758,Systematic,Trust,USD,2025-12-20,478173,40698,437475,1.0,57.0,32.3,1.7,9.0,TLT:22.3%;AAPL:22.3%;QQQ:15.5%;HYG:22.3%;XLF:17.6%,US:63.5;EU:11.7;APAC:12.0;EM:11.1;Other:1.8,Value:+0.1;Growth:+0.6;Quality:+0.7;Size:+0.2;Momentum:+0.9;LowVol:-0.1,,10,25,5.4,hard 12%,143,26.2,Volatile,22.3,5.29,3.6,113,-60,29,68,false,Hedge,Add TLT +1% as duration hedge,-2,-36,BrokerC,LMT,85,None,None,Normal monitoring,43,3,91,5,false,Tax-aware sells next window
P5759,Systematic,Trust,USD,2025-05-30,1909190,170959,1738231,1.0,57.0,26.2,8.1,8.7,MUB:14.3%;IEF:22.7%;AAPL:21.4%;MSFT:22.7%;GLD:18.9%,US:67.8;EU:15.4;APAC:5.3;EM:11.4;Other:0.1,Value:+0.3;Growth:-0.1;Quality:+0.8;Size:+0.6;Momentum:+0.8;LowVol:+0.2,MaxPos8%;NoDerivatives,8,35,4.4,hard 12%,156,24.3,Bull,17.1,4.05,2.7,82,32,72,43,false,Buy,Add to core equity +1%,25,-32,BrokerD,MKT,98,None,None,Normal monitoring,89,-29,80,3,false,Tax-aware sells next window
P5760,Hands-off,401k,USD,2025-01-16,320513,22781,297732,1.0,57.2,25.8,9.7,7.3,GLD:30.1%;TSLA:24.7%;BND:15.2%;QQQ:30.1%,US:64.5;EU:15.3;APAC:8.9;EM:10.3;Other:1.1,Value:+0.9;Growth:-0.4;Quality:-0.7;Size:-0.5;Momentum:+0.5;LowVol:-0.7,ESGOnly,7,30,4.9,trailing 10%,111,18.4,Volatile,29.2,3.66,3.2,150,20,54,80,true,Reduce,"Cut high-beta by 2-3%, add cash",-13,-16,BrokerC,MKT,87,Drift>tolerance,Pause,Allocation drift beyond policy bands,-42,4,91,3,false,Increase defensive factor exposure
P5761,Active,Taxable,USD,2025-01-20,2087413,151818,1935595,1.0,57.2,29.2,8.0,5.6,GLD:23.8%;HYG:15.8%;MSFT:22.8%;AAPL:23.8%;TSLA:13.7%,US:62.8;EU:18.9;APAC:7.7;EM:10.1;Other:0.5,Value:-0.4;Growth:-0.0;Quality:0.0;Size:+0.9;Momentum:+0.5;LowVol:-0.3,,7,25,4.8,hard 12%,226,17.6,Sideways,17.9,3.85,2.3,103,-13,42,44,false,Sell,Trim extended winner -1%,2,14,BrokerB,MKT,100,None,None,Normal monitoring,91,10,148,3,false,Within IPS guidelines
P5762,Cautious,Trust,USD,2025-11-02,266751,37073,229678,1.0,40.4,36.7,6.5,16.4,TSLA:15.2%;IEF:23.8%;GLD:13.5%;MUB:23.8%;BND:23.8%,US:71.5;EU:9.3;APAC:6.6;EM:11.6;Other:1.1,Value:+0.8;Growth:+0.3;Quality:+0.3;Size:-0.5;Momentum:-0.1;LowVol:+0.1,ESGOnly;MaxPos8%;NoMargin,7,35,5.3,trailing 10%,92,15.2,Volatile,27.2,4.93,2.7,133,-46,14,57,false,Sell,Trim extended winner -1%,3,-29,BrokerC,LMT,96,None,None,Normal monitoring,-35,-34,56,3,false,Within IPS guidelines
P5763,Systematic,401k,USD,2025-11-02,1087895,85545,1002350,1.0,65.8,23.2,4.7,6.3,QQQ:19.4%;VNQ:19.0%;TSLA:21.0%;AMZN:21.0%;VTI:19.7%,US:69.9;EU:7.4;APAC:8.6;EM:13.2;Other:0.9,Value:-0.6;Growth:-0.9;Quality:+0.7;Size:-0.9;Momentum:+1.0;LowVol:+0.8,,10,35,6.0,trailing 9%,135,27.4,Bear,23.7,3.66,2.0,143,-64,12,69,false,Rebalance,Shift +1% to bonds from equity,0,-30,BrokerD,MKT,97,None,None,Normal monitoring,-19,-48,106,5,false,Tighten stops on momentum names
P5764,Cautious,401k,USD,2025-11-27,176525,22757,153768,1.0,44.9,37.5,6.3,11.3,VTI:33.3%;IEF:33.3%;VOO:33.3%,US:74.0;EU:6.5;APAC:12.9;EM:3.7;Other:2.9,Value:-1.0;Growth:+0.6;Quality:-0.8;Size:+0.8;Momentum:+0.9;LowVol:-0.5,ESGOnly;NoMargin,7,30,4.2,hard 10%,154,14.5,Bear,29.0,3.14,1.1,201,29,55,70,false,Rebalance,Shift +1% to bonds from equity,21,-6,BrokerA,MKT,96,None,None,Normal monitoring,-33,-39,106,3,false,Within IPS guidelines
P5765,Hands-off,Taxable,USD,2025-12-06,667515,54154,613361,1.0,61.6,22.3,10.4,5.7,BRK.B:25.6%;MSFT:23.3%;AMZN:25.6%;MUB:25.6%,US:58.0;EU:18.4;APAC:11.9;EM:10.0;Other:1.7,Value:+0.8;Growth:+0.2;Quality:-0.4;Size:+1.0;Momentum:+0.6;LowVol:-0.4,ESGOnly,8,30,5.3,hard 10%,127,17.4,Bull,12.1,4.22,2.6,96,51,77,43,false,Hedge,Add TLT +1% as duration hedge,33,-23,BrokerC,MKT,87,None,None,Normal monitoring,-29,-24,15,3,false,Within IPS guidelines
P5766,Systematic,Roth,USD,2025-08-12,1904259,186458,1717801,1.0,62.8,21.7,9.3,6.1,VTI:28.3%;GLD:28.3%;XLF:26.0%;AMZN:17.5%,US:67.0;EU:7.6;APAC:11.5;EM:10.9;Other:3.0,Value:+0.7;Growth:+0.2;Quality:-0.2;Size:0.0;Momentum:+0.3;LowVol:+1.0,MaxPos6%,6,35,4.6,trailing 8%,186,26.3,Bear,29.0,3.13,1.9,149,-20,33,81,true,Reduce,"Cut high-beta by 2-3%, add cash",15,-20,BrokerA,MKT,95,Drift>tolerance,Pause,Allocation drift beyond policy bands,-21,-59,94,3,false,Monitor dispersion and breadth
P5767,Cautious,Taxable,USD,2025-05-26,317435,47080,270355,1.0,51.2,33.6,0.0,15.2,TSLA:18.6%;BND:27.1%;MUB:27.1%;VNQ:27.1%,US:60.2;EU:12.1;APAC:17.2;EM:5.2;Other:5.3,Value:+0.4;Growth:-0.8;Quality:+0.6;Size:+0.5;Momentum:-0.3;LowVol:-0.1,MaxPos6%;NoDerivatives;NoMargin,10,25,5.1,hard 10%,94,13.1,Bull,15.9,3.88,2.4,114,20,57,48,false,Sell,Trim extended winner -1%,15,11,BrokerC,LMT,98,None,None,Normal monitoring,101,9,211,3,false,Tighten stops on momentum names
P5768,Cautious,IRA,USD,2025-03-28,619805,54498,565307,1.0,37.1,35.3,16.5,11.2,VTI:27.6%;IEF:17.1%;BRK.B:27.6%;BND:27.6%,US:63.1;EU:17.3;APAC:11.3;EM:5.7;Other:2.6,Value:+0.5;Growth:-0.2;Quality:-0.1;Size:+0.4;Momentum:+0.9;LowVol:+0.4,MaxPos6%;NoMargin,6,25,4.6,hard 10%,140,18.6,Volatile,27.1,4.27,2.6,156,75,87,57,false,Sell,Trim extended winner -1%,26,-34,BrokerC,VWAP,100,None,None,Normal monitoring,22,-58,45,3,false,Tax-aware sells next window
P5769,Systematic,Taxable,USD,2024-12-04,423223,18916,404307,1.0,60.6,31.2,0.0,8.2,AMZN:22.9%;QQQ:22.9%;VNQ:20.7%;TSLA:22.9%;MUB:10.7%,US:76.2;EU:5.6;APAC:7.4;EM:10.4;Other:0.4,Value:+0.5;Growth:-0.8;Quality:+0.2;Size:-0.3;Momentum:-0.2;LowVol:+0.6,,5,35,4.7,hard 12%,167,23.2,Volatile,31.3,4.76,3.5,161,-36,42,88,true,Hedge,Buy index puts 1% notional,-15,-11,BrokerA,LMT,96,Drift>tolerance,Pause,Allocation drift beyond policy bands,23,-57,83,3,false,Monitor dispersion and breadth
P5770,Systematic,Roth,USD,2025-07-07,881496,88050,793446,1.0,64.2,26.3,0.0,9.5,QQQ:26.6%;GLD:26.6%;VTI:15.5%;IEF:20.1%;VOO:11.2%,US:60.8;EU:20.0;APAC:5.8;EM:8.5;Other:5.0,Value:+0.5;Growth:+0.4;Quality:-1.0;Size:-0.2;Momentum:-0.5;LowVol:-0.8,NoDerivatives,8,25,4.9,hard 12%,120,22.2,Bull,12.1,3.65,2.7,88,54,72,40,false,Buy,Add to core equity +1%,-10,-35,BrokerD,LMT,99,None,None,Normal monitoring,94,-19,168,5,false,Monitor dispersion and breadth
P5771,Cautious,Taxable,USD,2025-03-07,580424,86853,493571,1.0,42.9,36.7,9.6,10.9,TSLA:35.7%;VTI:28.7%;AAPL:35.7%,US:66.4;EU:13.9;APAC:7.7;EM:7.3;Other:4.8,Value:-0.8;Growth:+0.5;Quality:-0.4;Size:-0.4;Momentum:-0.9;LowVol:+0.8,ESGOnly;NoMargin,6,30,3.6,trailing 8%,141,16.5,Volatile,21.4,5.33,2.1,136,-26,33,41,false,Rebalance,Shift +1% to bonds from equity,34,-15,BrokerA,MKT,94,None,None,Normal monitoring,-57,-43,55,4,false,Within IPS guidelines
P5772,Hands-off,Taxable,USD,2024-12-12,376264,28967,347297,1.0,55.5,29.9,8.0,6.6,VNQ:32.7%;XLF:33.7%;VOO:33.7%,US:64.1;EU:11.1;APAC:13.0;EM:8.1;Other:3.7,Value:-0.5;Growth:-0.8;Quality:-0.2;Size:+0.9;Momentum:-0.6;LowVol:-0.9,,10,35,3.7,trailing 8%,143,13.5,Bull,17.3,4.82,2.6,109,57,74,41,false,Rebalance,Shift +1% to bonds from equity,-5,-18,BrokerC,MKT,92,None,None,Normal monitoring,96,-30,128,4,false,Increase defensive factor exposure
P5773,Opportunistic,Trust,USD,2025-06-27,1578028,110449,1467579,1.0,66.5,14.1,11.0,8.4,XLF:11.1%;BND:20.3%;QQQ:18.3%;BRK.B:20.2%;MUB:19.2%;HYG:10.9%,US:65.0;EU:15.5;APAC:8.7;EM:10.0;Other:0.7,Value:-0.8;Growth:-0.7;Quality:+0.6;Size:+0.3;Momentum:+0.5;LowVol:+0.4,NoDerivatives,7,25,4.8,trailing 7%,267,22.4,Bear,30.2,3.48,2.9,173,-30,32,74,true,Hedge,Buy index puts 1% notional,-7,9,BrokerA,VWAP,86,Drift>tolerance,Hedge,Allocation drift beyond policy bands,76,2,84,4,false,Increase defensive factor exposure
P5774,Opportunistic,Trust,USD,2025-05-27,1138042,72420,1065622,1.0,73.5,19.9,0.0,6.6,AAPL:33.3%;TLT:33.3%;VOO:33.3%,US:67.7;EU:14.3;APAC:10.9;EM:6.1;Other:1.0,Value:+0.7;Growth:+0.6;Quality:-0.2;Size:-0.8;Momentum:+0.1;LowVol:-0.4,MaxPos5%;NoDerivatives,8,35,6.0,trailing 7%,225,23.1,Sideways,21.5,3.88,3.4,90,27,62,73,true,Hedge,Buy index puts 1% notional,21,-6,BrokerB,MKT,99,Drift>tolerance,Hedge,Allocation drift beyond policy bands,56,-60,110,4,false,Within IPS guidelines
P5775,Hands-off,Roth,USD,2025-12-07,369477,26202,343275,1.0,67.7,20.7,5.4,6.2,VTI:13.9%;TLT:19.7%;XLF:20.6%;GLD:20.1%;TSLA:7.8%;AAPL:18.0%,US:72.9;EU:11.5;APAC:7.1;EM:5.4;Other:3.1,Value:+0.7;Growth:-1.0;Quality:+0.6;Size:-0.6;Momentum:-0.9;LowVol:-0.7,MaxPos7%,5,35,3.8,trailing 10%,165,14.6,Volatile,20.1,5.16,2.9,122,38,67,61,false,Buy,Add to core equity +1%,10,3,BrokerC,LMT,99,None,None,Normal monitoring,95,5,211,4,false,Tax-aware sells next window
P5776,Opportunistic,Roth,USD,2025-04-02,1637625,76740,1560885,1.21,71.7,13.5,9.0,5.8,QQQ:26.2%;BND:26.2%;XLF:26.2%;VTI:11.5%;BRK.B:10.0%,US:71.6;EU:6.6;APAC:9.1;EM:9.6;Other:3.1,Value:-0.0;Growth:+0.6;Quality:-0.2;Size:+0.3;Momentum:-0.6;LowVol:-0.2,,8,30,6.7,trailing 7%,203,24.4,Sideways,16.3,4.15,3.0,93,13,48,49,false,Rebalance,Shift +1% to bonds from equity,27,15,BrokerA,MKT,88,None,None,Normal monitoring,100,-35,163,3,false,Tax-aware sells next window
P5777,Opportunistic,Trust,USD,2024-08-31,1049926,91167,958759,1.16,67.2,14.9,11.1,6.8,QQQ:22.4%;MUB:22.4%;AAPL:10.5%;HYG:22.4%;VNQ:22.4%,US:65.1;EU:16.2;APAC:10.1;EM:4.7;Other:4.0,Value:-0.3;Growth:-0.6;Quality:+0.6;Size:-0.8;Momentum:+0.6;LowVol:+0.9,NoDerivatives,7,30,4.2,trailing 9%,211,34.4,Bull,11.2,4.99,2.5,114,44,81,48,false,Rebalance,Shift +1% to bonds from equity,-9,-31,BrokerA,MKT,86,None,None,Normal monitoring,86,-38,80,4,false,Monitor dispersion and breadth
P5778,Active,Taxable,USD,2025-11-18,1730059,111117,1618942,1.0,51.3,30.5,11.2,7.0,AMZN:31.4%;TLT:34.3%;VNQ:34.3%,US:78.4;EU:7.6;APAC:6.2;EM:3.1;Other:4.7,Value:+0.6;Growth:-0.1;Quality:-0.1;Size:-0.5;Momentum:+0.9;LowVol:+0.1,,8,35,5.8,hard 12%,184,24.5,Volatile,21.7,3.57,3.7,167,32,78,52,true,Rebalance,Rebalance back to target bands,13,-34,BrokerD,LMT,86,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-8,1,12,5,false,Increase defensive factor exposure
P5779,Cautious,Trust,USD,2025-02-09,876708,121799,754909,1.0,38.1,39.0,6.1,16.8,TSLA:11.6%;QQQ:14.6%;GLD:8.8%;BRK.B:21.6%;MSFT:21.6%;AMZN:21.6%,US:74.2;EU:6.0;APAC:7.8;EM:9.8;Other:2.1,Value:-0.4;Growth:-0.3;Quality:+0.9;Size:+0.1;Momentum:-0.1;LowVol:+0.7,ESGOnly;NoMargin,6,25,5.0,trailing 8%,115,16.8,Bull,15.1,4.2,3.2,116,8,46,32,false,NoAction,Within bands; monitor,21,-36,BrokerA,LMT,98,None,None,Normal monitoring,-16,12,111,3,false,Monitor dispersion and breadth
P5780,Opportunistic,401k,USD,2025-06-30,982574,78552,904022,1.0,74.7,10.9,8.1,6.4,MSFT:17.3%;BRK.B:27.7%;VTI:27.2%;XLF:27.7%,US:58.4;EU:17.7;APAC:12.8;EM:9.5;Other:1.7,Value:-1.0;Growth:+0.5;Quality:-0.7;Size:-0.1;Momentum:+0.3;LowVol:+0.4,,5,25,5.8,trailing 9%,202,29.3,Volatile,27.3,3.83,3.3,178,-44,26,80,true,Rebalance,Rebalance back to target bands,15,-9,BrokerC,MKT,92,RegimeShift,TightenStops,Volatility spike and breadth deterioration,86,0,153,3,false,Tax-aware sells next window
P5781,Opportunistic,401k,USD,2025-07-17,945514,61503,884011,1.0,64.9,15.1,11.3,8.7,TSLA:20.5%;MUB:26.5%;HYG:26.5%;MSFT:26.5%,US:71.2;EU:9.1;APAC:13.0;EM:3.5;Other:3.2,Value:+0.5;Growth:+0.8;Quality:+0.2;Size:+0.3;Momentum:-0.6;LowVol:+0.5,NoDerivatives,10,25,4.1,hard 12%,252,32.2,Volatile,26.9,5.04,4.0,161,-8,53,76,true,Rebalance,Rebalance back to target bands,16,-16,BrokerD,LMT,99,VAR>budget,Pause,Risk above budget threshold,-28,-54,16,4,false,Tighten stops on momentum names
P5782,Cautious,Taxable,USD,2025-07-29,263241,21990,241251,1.0,44.7,32.9,7.7,14.7,GLD:10.3%;TLT:18.0%;BND:8.0%;VTI:21.2%;VOO:21.2%;MUB:21.2%,US:66.8;EU:16.8;APAC:10.6;EM:5.1;Other:0.7,Value:-0.5;Growth:+1.0;Quality:-0.9;Size:-0.8;Momentum:+0.6;LowVol:+0.6,ESGOnly;NoMargin,8,35,4.6,hard 10%,93,19.7,Bull,16.8,4.29,3.5,94,100,93,47,false,Rebalance,Shift +1% to bonds from equity,-1,-4,BrokerB,LMT,89,None,None,Normal monitoring,55,-3,36,5,false,Monitor dispersion and breadth
P5783,Hands-off,Roth,USD,2024-09-14,503068,41878,461190,1.0,71.0,20.1,3.6,5.4,MUB:14.3%;IEF:25.4%;VOO:22.0%;AMZN:12.9%;VTI:25.4%,US:73.7;EU:16.0;APAC:6.6;EM:3.5;Other:0.2,Value:+0.6;Growth:-1.0;Quality:-0.3;Size:+0.2;Momentum:+0.8;LowVol:-0.6,NoDerivatives,6,35,3.2,hard 10%,128,18.0,Sideways,19.6,4.92,2.7,130,23,54,61,false,Rebalance,Shift +1% to bonds from equity,-6,14,BrokerD,MKT,91,None,None,Normal monitoring,-20,9,88,5,false,Within IPS guidelines
P5784,Hands-off,Taxable,USD,2024-10-10,566925,33285,533640,1.0,60.9,26.4,3.8,8.9,AMZN:25.0%;VNQ:25.0%;MSFT:25.0%;QQQ:25.0%,US:57.1;EU:11.9;APAC:15.8;EM:10.5;Other:4.7,Value:+0.5;Growth:0.0;Quality:-0.4;Size:-0.5;Momentum:-0.7;LowVol:+0.7,MaxPos7%,8,35,3.1,trailing 8%,111,16.5,Bull,14.8,3.79,3.1,90,80,100,37,false,Rebalance,Shift +1% to bonds from equity,24,-16,BrokerC,MKT,92,None,None,Normal monitoring,61,12,61,3,false,Increase defensive factor exposure
P5785,Active,Trust,USD,2024-11-08,639117,70784,568333,1.0,65.9,19.4,5.0,9.7,VTI:33.5%;XLF:32.9%;MUB:33.5%,US:65.3;EU:12.5;APAC:15.6;EM:5.8;Other:0.8,Value:+0.8;Growth:+0.4;Quality:-0.7;Size:+0.2;Momentum:+0.8;LowVol:-0.6,NoDerivatives,10,25,5.4,hard 12%,142,19.7,Bear,31.8,3.66,2.4,154,-37,16,80,true,Hedge,Buy index puts 1% notional,18,-1,BrokerA,LMT,94,Drift>tolerance,Reduce,Allocation drift beyond policy bands,11,5,150,5,false,Monitor dispersion and breadth
P5786,Systematic,Roth,USD,2025-06-20,1957765,174920,1782845,1.0,58.5,20.4,14.6,6.5,HYG:12.4%;MSFT:18.5%;AMZN:17.0%;XLF:20.2%;BRK.B:11.7%;TSLA:20.2%,US:62.3;EU:12.3;APAC:10.6;EM:13.7;Other:1.1,Value:-0.3;Growth:-0.9;Quality:+0.1;Size:-1.0;Momentum:+0.8;LowVol:+0.9,,10,30,6.0,hard 12%,212,18.8,Bear,31.7,4.14,1.8,179,-77,10,72,true,Hedge,Buy index puts 1% notional,-1,-15,BrokerC,MKT,88,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-20,16,93,3,false,Within IPS guidelines
P5787,Hands-off,401k,USD,2025-05-13,598762,53321,545441,1.0,58.1,26.0,10.7,5.3,BRK.B:24.3%;TLT:16.4%;VNQ:11.3%;TSLA:23.6%;VTI:24.3%,US:64.3;EU:16.4;APAC:12.0;EM:4.2;Other:3.2,Value:+0.6;Growth:-0.9;Quality:+0.3;Size:+0.4;Momentum:+0.8;LowVol:+0.9,ESGOnly,6,25,3.9,trailing 8%,92,15.6,Volatile,22.4,4.92,2.5,148,10,66,51,true,Hedge,Buy index puts 1% notional,0,-35,BrokerC,MKT,93,Drift>tolerance,Hedge,Allocation drift beyond policy bands,51,-50,27,4,false,Tax-aware sells next window
P5788,Cautious,Roth,USD,2024-11-02,719066,59246,659820,1.0,46.7,33.5,6.4,13.4,VNQ:25.0%;XLF:25.0%;HYG:25.0%;TSLA:25.0%,US:73.0;EU:5.7;APAC:8.8;EM:8.2;Other:4.2,Value:-0.3;Growth:+0.3;Quality:-0.9;Size:+0.7;Momentum:-0.0;LowVol:-0.8,NoMargin,10,35,3.3,hard 10%,162,14.4,Bull,11.5,4.63,2.8,103,37,57,33,false,Rebalance,Shift +1% to bonds from equity,25,-14,BrokerA,MKT,96,None,None,Normal monitoring,-38,-14,41,3,false,Tighten stops on momentum names
P5789,Systematic,Taxable,USD,2024-08-04,1002579,69881,932698,1.0,63.7,27.1,0.0,9.2,XLF:33.3%;BND:33.3%;VOO:33.3%,US:61.2;EU:18.2;APAC:5.7;EM:9.9;Other:5.0,Value:-1.0;Growth:+0.8;Quality:+0.8;Size:+0.2;Momentum:-0.1;LowVol:-1.0,,10,25,4.1,trailing 8%,193,18.6,Bull,15.4,4.33,2.7,112,24,51,49,false,Rebalance,Shift +1% to bonds from equity,24,8,BrokerC,MKT,99,None,None,Normal monitoring,47,17,24,3,false,Monitor dispersion and breadth
P5790,Hands-off,401k,USD,2025-09-07,171049,11274,159775,1.0,68.2,22.5,0.0,9.3,MUB:23.4%;TLT:23.4%;BRK.B:15.0%;IEF:14.9%;XLF:23.4%,US:68.4;EU:12.3;APAC:5.7;EM:11.2;Other:2.5,Value:-0.3;Growth:+0.7;Quality:+0.7;Size:+0.9;Momentum:-1.0;LowVol:-0.7,ESGOnly;NoDerivatives,5,35,5.5,trailing 8%,98,19.1,Bull,14.5,4.07,2.4,102,58,66,50,false,Buy,Add to core equity +1%,13,-38,BrokerC,MKT,85,None,None,Normal monitoring,2,-49,21,3,false,Tax-aware sells next window
P5791,Hands-off,Taxable,USD,2024-10-10,347255,34602,312653,1.0,58.7,17.1,18.7,5.5,TLT:33.3%;AMZN:33.3%;AAPL:33.3%,US:68.0;EU:10.3;APAC:9.1;EM:9.4;Other:3.2,Value:-0.4;Growth:-0.0;Quality:-0.5;Size:-0.9;Momentum:+0.6;LowVol:-0.4,NoDerivatives,8,25,4.2,trailing 10%,152,17.9,Sideways,20.5,3.99,2.1,125,16,56,48,false,Sell,Trim extended winner -1%,7,10,BrokerD,LMT,89,None,None,Normal monitoring,-44,-34,-13,3,false,Tax-aware sells next window
P5792,Hands-off,IRA,USD,2025-11-15,213072,10732,202340,1.0,61.8,24.7,6.7,6.9,BND:33.3%;VNQ:33.3%;TLT:33.3%,US:70.7;EU:11.6;APAC:12.8;EM:4.1;Other:0.8,Value:+0.3;Growth:+0.1;Quality:-0.1;Size:+0.1;Momentum:+0.7;LowVol:-0.7,ESGOnly,5,25,4.5,hard 10%,140,17.9,Bull,15.2,4.79,3.3,120,14,51,54,false,Sell,Trim extended winner -1%,5,-24,BrokerC,MKT,89,None,None,Normal monitoring,-16,-15,-25,4,false,Tighten stops on momentum names
P5793,Opportunistic,Trust,USD,2025-07-24,832534,57807,774727,1.0,60.6,11.2,20.7,7.5,GLD:33.3%;IEF:33.3%;AMZN:33.3%,US:69.3;EU:7.7;APAC:16.2;EM:6.2;Other:0.6,Value:-0.1;Growth:+0.8;Quality:-0.6;Size:-0.2;Momentum:-0.9;LowVol:+0.8,NoDerivatives,7,30,4.6,hard 12%,220,31.0,Sideways,14.6,4.13,2.1,123,15,63,51,false,Sell,Trim extended winner -1%,14,-1,BrokerB,LMT,95,None,None,Normal monitoring,89,-26,147,5,false,Increase defensive factor exposure
P5794,Systematic,Taxable,USD,2025-10-04,708626,40699,667927,1.0,61.9,28.9,0.0,9.2,AAPL:26.1%;VTI:25.6%;GLD:22.2%;MUB:26.1%,US:63.2;EU:19.0;APAC:12.0;EM:4.7;Other:1.1,Value:+0.2;Growth:-1.0;Quality:-0.8;Size:-0.9;Momentum:-0.8;LowVol:-0.5,MaxPos5%,6,30,5.6,hard 12%,123,16.2,Bull,11.6,4.7,2.0,93,62,91,37,false,Sell,Trim extended winner -1%,18,-4,BrokerC,VWAP,85,None,None,Normal monitoring,116,-8,127,5,false,Monitor dispersion and breadth
P5795,Hands-off,Trust,USD,2025-12-08,161713,16052,145661,1.0,57.6,21.8,15.4,5.2,GLD:26.2%;MUB:36.9%;VNQ:36.9%,US:60.0;EU:19.4;APAC:10.4;EM:7.7;Other:2.4,Value:-0.1;Growth:+0.1;Quality:+0.5;Size:-0.8;Momentum:-0.8;LowVol:-0.5,ESGOnly;MaxPos6%,10,25,4.0,trailing 8%,169,14.8,Sideways,14.6,4.77,3.1,133,-17,31,37,false,Buy,Add to core equity +1%,19,-17,BrokerA,MKT,92,None,None,Normal monitoring,55,1,173,5,false,Tax-aware sells next window
P5796,Systematic,Roth,USD,2024-09-27,804999,54272,750727,1.0,61.4,31.0,0.0,7.6,GLD:13.6%;VTI:16.0%;AMZN:17.2%;MUB:17.5%;MSFT:18.0%;TSLA:17.6%,US:55.6;EU:17.8;APAC:10.7;EM:12.1;Other:3.8,Value:-0.3;Growth:-0.7;Quality:+0.7;Size:-0.8;Momentum:-0.0;LowVol:+0.7,,6,25,4.9,trailing 8%,146,17.3,Bull,12.2,3.93,3.4,74,12,53,46,false,Rebalance,Shift +1% to bonds from equity,-8,0,BrokerD,MKT,88,None,None,Normal monitoring,66,-12,152,5,false,Monitor dispersion and breadth
P5797,Cautious,Trust,USD,2025-11-22,494085,63618,430467,1.0,42.8,35.1,9.0,13.1,IEF:28.6%;GLD:28.6%;TSLA:28.6%;AAPL:14.2%,US:60.7;EU:16.6;APAC:7.8;EM:10.8;Other:4.0,Value:+0.5;Growth:+0.4;Quality:0.0;Size:+0.5;Momentum:+0.2;LowVol:-0.2,ESGOnly;MaxPos7%;NoMargin,8,30,3.8,trailing 8%,155,19.8,Volatile,32.0,3.65,3.9,169,-34,36,77,true,Hedge,Buy index puts 1% notional,24,-23,BrokerB,MKT,89,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-23,-9,-55,2,false,Within IPS guidelines
P5798,Hands-off,Roth,USD,2025-01-29,754677,63161,691516,1.0,61.4,20.1,10.1,8.4,VOO:33.3%;XLF:33.3%;BRK.B:33.3%,US:65.1;EU:14.6;APAC:13.4;EM:6.9;Other:0.0,Value:-0.4;Growth:-0.1;Quality:-0.6;Size:+0.5;Momentum:-0.2;LowVol:-0.3,MaxPos7%;NoDerivatives,6,35,4.5,hard 10%,133,12.9,Volatile,21.9,5.1,3.3,131,-11,50,67,false,NoAction,Within bands; monitor,-3,-38,BrokerC,MKT,0,None,None,Normal monitoring,-26,-33,19,4,false,Tax-aware sells next window
P5799,Hands-off,Trust,USD,2025-08-21,258102,11072,247030,1.0,55.4,23.2,15.0,6.5,QQQ:17.7%;TSLA:14.6%;XLF:10.8%;GLD:20.6%;AMZN:16.4%;MUB:19.9%,US:67.7;EU:13.3;APAC:9.7;EM:5.5;Other:3.8,Value:-0.6;Growth:+0.1;Quality:+0.8;Size:-0.1;Momentum:+0.9;LowVol:+0.8,,10,35,3.7,trailing 8%,150,17.5,Bull,16.8,4.68,2.2,116,6,40,39,false,Sell,Trim extended winner -1%,25,4,BrokerA,MKT,92,None,None,Normal monitoring,47,-15,181,4,false,Within IPS guidelines
P5800,Cautious,Trust,USD,2025-11-25,643677,53109,590568,1.0,45.1,38.4,0.0,16.5,XLF:14.5%;VOO:11.0%;GLD:22.3%;TSLA:22.3%;TLT:11.6%;VTI:18.3%,US:65.8;EU:7.0;APAC:12.1;EM:10.7;Other:4.4,Value:+0.4;Growth:+0.4;Quality:+0.4;Size:+0.6;Momentum:-0.1;LowVol:-0.6,ESGOnly;MaxPos6%;NoMargin,5,35,5.9,trailing 10%,112,12.3,Bull,13.7,4.27,2.2,107,47,67,33,false,Hedge,Add TLT +1% as duration hedge,28,-27,BrokerD,LMT,93,None,None,Normal monitoring,50,-52,110,3,false,Monitor dispersion and breadth
P5801,Cautious,Roth,USD,2025-06-29,159812,15019,144793,1.0,47.7,35.5,0.0,16.8,VTI:28.2%;AMZN:27.4%;HYG:28.2%;BND:16.1%,US:64.4;EU:8.9;APAC:12.2;EM:13.8;Other:0.7,Value:-0.6;Growth:0.0;Quality:+0.9;Size:-0.4;Momentum:-0.2;LowVol:+0.6,NoDerivatives;NoMargin,6,25,5.0,trailing 8%,93,13.0,Volatile,21.1,5.24,3.1,164,73,80,51,false,Buy,Add to core equity +1%,-13,-8,BrokerD,LMT,99,None,None,Normal monitoring,66,-24,82,3,false,Monitor dispersion and breadth
P5802,Hands-off,401k,USD,2024-10-07,716704,58081,658623,1.0,74.2,16.1,4.4,5.3,IEF:23.7%;AMZN:13.6%;HYG:10.9%;TSLA:19.0%;BRK.B:9.1%;QQQ:23.7%,US:65.2;EU:18.1;APAC:9.3;EM:6.1;Other:1.3,Value:-0.5;Growth:+0.2;Quality:+0.9;Size:-0.2;Momentum:-0.9;LowVol:+0.4,,6,25,4.2,hard 10%,113,16.2,Bull,12.8,4.34,3.1,89,27,57,40,false,Sell,Trim extended winner -1%,32,11,BrokerB,LMT,100,None,None,Normal monitoring,-26,4,59,3,false,Within IPS guidelines
P5803,Active,Taxable,USD,2025-11-21,2397807,233908,2163899,1.0,64.8,27.0,0.0,8.3,VOO:10.6%;AMZN:22.3%;VNQ:19.0%;HYG:22.3%;TLT:10.0%;MSFT:15.8%,US:76.7;EU:7.1;APAC:6.8;EM:5.5;Other:3.9,Value:-0.7;Growth:+0.8;Quality:+0.4;Size:-0.3;Momentum:+0.1;LowVol:+0.2,,8,35,5.5,trailing 8%,159,22.8,Bull,11.8,4.45,2.4,100,119,100,35,false,Rebalance,Shift +1% to bonds from equity,-8,-27,BrokerA,MKT,85,None,None,Normal monitoring,-15,-47,98,5,false,Tighten stops on momentum names
P5804,Systematic,Roth,USD,2025-08-13,1091322,48447,1042875,1.0,62.5,24.7,7.5,5.3,MSFT:21.8%;QQQ:14.3%;HYG:20.2%;AMZN:21.8%;VTI:21.8%,US:71.1;EU:13.5;APAC:10.2;EM:5.0;Other:0.2,Value:+0.8;Growth:+0.8;Quality:-0.2;Size:-0.9;Momentum:+0.8;LowVol:-0.4,NoDerivatives,10,35,4.8,trailing 8%,209,19.3,Sideways,16.3,4.52,2.4,113,42,60,47,false,Buy,Add to core equity +1%,29,-22,BrokerD,LMT,88,None,None,Normal monitoring,15,-45,105,4,false,Increase defensive factor exposure
P5805,Hands-off,Taxable,USD,2024-12-06,514662,21312,493350,1.0,64.7,26.2,0.0,9.1,TSLA:21.1%;VTI:27.5%;GLD:24.0%;VNQ:27.5%,US:68.4;EU:14.6;APAC:9.6;EM:5.8;Other:1.6,Value:-0.8;Growth:-0.9;Quality:-0.3;Size:-0.5;Momentum:+0.2;LowVol:+0.2,,10,35,5.6,trailing 8%,138,14.5,Bull,17.0,3.54,3.0,89,73,73,51,false,Rebalance,Shift +1% to bonds from equity,-2,-9,BrokerA,MKT,94,None,None,Normal monitoring,51,-58,180,4,false,Within IPS guidelines
P5806,Opportunistic,Trust,USD,2025-04-13,339594,29418,310176,1.0,75.7,12.9,6.2,5.2,MSFT:26.2%;GLD:26.2%;VNQ:24.2%;IEF:23.4%,US:65.2;EU:9.0;APAC:10.9;EM:11.2;Other:3.7,Value:+0.6;Growth:-0.3;Quality:+0.9;Size:+0.9;Momentum:-0.8;LowVol:+0.3,,8,30,7.0,trailing 9%,239,31.5,Volatile,26.9,4.84,2.1,113,72,86,89,true,Hedge,Buy index puts 1% notional,17,4,BrokerA,LMT,92,VAR>budget,Reduce,Risk above budget threshold,10,-45,32,2,false,Tax-aware sells next window
P5807,Hands-off,IRA,USD,2025-12-15,852360,56769,795591,1.0,62.9,25.1,5.1,6.9,GLD:26.1%;IEF:21.8%;AMZN:26.1%;MUB:26.1%,US:71.7;EU:7.2;APAC:14.2;EM:6.0;Other:0.9,Value:+0.6;Growth:-0.2;Quality:-0.9;Size:-0.5;Momentum:-0.0;LowVol:+0.4,,7,25,5.3,trailing 10%,91,17.6,Bear,30.3,3.49,2.6,171,-25,31,69,false,Buy,Add to core equity +1%,3,-15,BrokerC,MKT,98,None,None,Normal monitoring,30,6,52,3,false,Tighten stops on momentum names
P5808,Cautious,Trust,USD,2025-02-10,724811,70217,654594,1.0,49.0,39.3,0.0,11.7,AAPL:27.7%;VNQ:27.7%;BND:16.8%;TLT:27.7%,US:57.3;EU:18.5;APAC:9.5;EM:11.2;Other:3.4,Value:-0.8;Growth:-0.5;Quality:+0.5;Size:-0.5;Momentum:+0.9;LowVol:-0.2,MaxPos6%;NoMargin,8,30,4.6,trailing 8%,156,15.9,Volatile,31.5,4.46,3.9,173,-24,48,65,false,Sell,Trim extended winner -1%,13,15,BrokerC,LMT,97,None,None,Normal monitoring,80,-51,71,5,false,Increase defensive factor exposure
P5809,Systematic,401k,USD,2025-06-18,1759947,160452,1599495,1.0,64.3,28.4,2.0,5.3,VOO:20.8%;TLT:26.4%;VTI:26.4%;IEF:26.4%,US:71.1;EU:9.0;APAC:13.6;EM:6.3;Other:0.1,Value:+0.5;Growth:+0.3;Quality:-0.4;Size:-0.8;Momentum:+0.1;LowVol:-0.2,,10,30,6.0,trailing 8%,229,24.5,Bear,29.5,3.83,1.8,158,-111,5,81,true,Reduce,"Cut high-beta by 2-3%, add cash",23,1,BrokerC,LMT,91,Drift>tolerance,Pause,Allocation drift beyond policy bands,-29,16,46,4,false,Within IPS guidelines
P5810,Opportunistic,Taxable,USD,2025-12-03,787813,29615,758198,1.21,68.9,17.8,4.6,8.8,MUB:15.3%;BND:17.9%;QQQ:11.5%;BRK.B:17.0%;TLT:17.3%;VTI:21.0%,US:58.0;EU:19.8;APAC:11.8;EM:6.4;Other:4.0,Value:-0.2;Growth:-0.8;Quality:-0.5;Size:-0.2;Momentum:-0.4;LowVol:+0.5,,6,35,4.2,trailing 7%,196,26.4,Volatile,22.2,4.63,3.5,168,80,76,66,false,Rebalance,Shift +1% to bonds from equity,16,11,BrokerB,LMT,87,None,None,Normal monitoring,96,-21,236,3,false,Within IPS guidelines
P5811,Cautious,IRA,USD,2025-12-25,314914,33997,280917,1.0,48.3,40.0,0.0,11.7,HYG:25.3%;VTI:23.0%;BRK.B:25.3%;TSLA:13.3%;TLT:13.1%,US:61.1;EU:15.7;APAC:12.7;EM:6.5;Other:3.9,Value:+0.8;Growth:+0.5;Quality:-0.0;Size:+0.4;Momentum:-0.2;LowVol:+0.8,ESGOnly;NoDerivatives;NoMargin,10,25,5.8,trailing 8%,162,13.5,Bull,11.0,4.84,2.1,112,23,56,21,false,Sell,Trim extended winner -1%,19,9,BrokerC,MKT,86,None,None,Normal monitoring,-43,-16,65,3,false,Increase defensive factor exposure
P5812,Cautious,Trust,USD,2025-07-03,842511,82982,759529,1.0,48.4,38.2,0.0,13.4,GLD:33.3%;AAPL:33.3%;TLT:33.3%,US:70.1;EU:5.8;APAC:15.7;EM:3.8;Other:4.6,Value:+0.3;Growth:-0.4;Quality:-0.8;Size:-0.2;Momentum:-0.0;LowVol:+0.7,ESGOnly;NoMargin,8,25,5.6,trailing 8%,132,14.4,Bull,14.4,4.72,2.3,87,115,100,45,false,Rebalance,Shift +1% to bonds from equity,-15,-26,BrokerD,VWAP,99,None,None,Normal monitoring,92,-23,80,3,false,Monitor dispersion and breadth
P5813,Systematic,401k,USD,2025-12-26,1887717,82553,1805164,1.0,59.3,32.9,2.1,5.7,GLD:12.7%;MUB:7.9%;VTI:22.2%;BRK.B:12.8%;MSFT:22.2%;VNQ:22.2%,US:66.8;EU:7.9;APAC:9.5;EM:13.1;Other:2.8,Value:-0.1;Growth:-0.3;Quality:-0.6;Size:-0.4;Momentum:+0.9;LowVol:+0.6,MaxPos6%,8,30,5.9,trailing 8%,183,27.0,Bull,13.0,3.54,3.2,83,2,58,40,false,Buy,Add to core equity +1%,-7,-34,BrokerC,MKT,100,None,None,Normal monitoring,9,3,55,3,false,Monitor dispersion and breadth
P5814,Active,Roth,USD,2025-07-24,1357876,141339,1216537,1.0,60.9,30.0,0.0,9.1,VTI:22.5%;HYG:22.5%;TSLA:16.2%;GLD:16.2%;IEF:22.5%,US:66.9;EU:18.7;APAC:7.8;EM:5.1;Other:1.6,Value:+0.3;Growth:+0.3;Quality:-0.2;Size:-1.0;Momentum:+0.1;LowVol:-0.5,NoDerivatives,7,30,4.7,trailing 8%,142,25.5,Bull,16.9,3.54,2.0,113,21,66,55,false,Buy,Add to core equity +1%,-7,-21,BrokerD,VWAP,88,None,None,Normal monitoring,30,-11,-5,4,false,Within IPS guidelines
P5815,Hands-off,Trust,USD,2024-07-27,519839,51591,468248,1.0,56.4,21.3,13.4,8.9,VOO:33.3%;HYG:33.3%;BRK.B:33.3%,US:69.4;EU:15.3;APAC:9.6;EM:4.3;Other:1.5,Value:+0.3;Growth:-0.3;Quality:-0.7;Size:+0.1;Momentum:-0.1;LowVol:-0.2,MaxPos8%;NoDerivatives,7,30,3.6,hard 10%,134,17.8,Volatile,25.1,5.43,3.4,134,9,64,74,true,Rebalance,Rebalance back to target bands,-4,-15,BrokerC,VWAP,97,Drift>tolerance,Hedge,Allocation drift beyond policy bands,34,-40,45,5,false,Increase defensive factor exposure
P5816,Opportunistic,Roth,USD,2024-08-11,1469142,50442,1418700,1.0,68.1,12.5,11.4,7.9,IEF:22.3%;TSLA:21.5%;GLD:15.5%;BRK.B:18.3%;VNQ:22.3%,US:70.8;EU:7.3;APAC:12.4;EM:8.1;Other:1.3,Value:-1.0;Growth:-1.0;Quality:-0.4;Size:+0.5;Momentum:-0.3;LowVol:-0.6,,8,30,5.5,trailing 7%,225,31.6,Volatile,26.7,4.27,4.0,163,-46,35,73,true,Hedge,Buy index puts 1% notional,15,-23,BrokerD,MKT,85,VAR>budget,Reduce,Risk above budget threshold,-53,-19,-30,2,false,Increase defensive factor exposure
P5817,Active,IRA,USD,2025-05-16,1953281,158100,1795181,1.0,68.7,24.7,0.0,6.6,TLT:33.3%;VOO:33.3%;QQQ:33.3%,US:65.7;EU:6.4;APAC:13.9;EM:8.1;Other:5.9,Value:+1.0;Growth:+0.6;Quality:-0.7;Size:-0.9;Momentum:-0.7;LowVol:-1.0,,8,35,5.6,trailing 8%,139,26.1,Volatile,25.1,5.23,3.3,116,-53,9,75,true,Hedge,Buy index puts 1% notional,5,-6,BrokerC,LMT,89,RegimeShift,Hedge,Volatility spike and breadth deterioration,-53,6,-58,3,false,Within IPS guidelines
P5818,Systematic,Trust,USD,2025-04-27,843904,53620,790284,1.0,63.8,25.0,4.5,6.7,MUB:20.0%;MSFT:20.7%;AAPL:5.9%;VTI:19.3%;BRK.B:18.4%;AMZN:15.7%,US:63.5;EU:19.4;APAC:9.4;EM:3.8;Other:3.9,Value:+0.7;Growth:-0.2;Quality:-0.6;Size:+0.4;Momentum:+0.2;LowVol:-0.8,MaxPos8%;NoDerivatives,7,25,4.7,hard 12%,205,22.8,Bull,12.8,4.96,3.2,113,51,62,33,false,Rebalance,Shift +1% to bonds from equity,23,-38,BrokerA,MKT,94,None,None,Normal monitoring,88,-15,81,4,false,Monitor dispersion and breadth
P5819,Opportunistic,Roth,USD,2025-08-26,1013108,74225,938883,1.23,76.2,13.4,1.6,8.9,VOO:25.0%;GLD:25.0%;XLF:25.0%;AAPL:25.0%,US:64.9;EU:14.3;APAC:10.2;EM:8.0;Other:2.7,Value:-0.6;Growth:+0.6;Quality:+0.8;Size:0.0;Momentum:-0.8;LowVol:+0.1,NoDerivatives,6,35,5.8,hard 12%,218,21.2,Volatile,26.7,4.64,3.5,171,21,75,73,true,Reduce,"Cut high-beta by 2-3%, add cash",10,-37,BrokerB,LMT,87,Drift>tolerance,Hedge,Allocation drift beyond policy bands,88,14,113,3,false,Increase defensive factor exposure
P5820,Active,401k,USD,2025-07-11,674425,63978,610447,1.0,54.1,19.5,20.4,6.0,AAPL:25.0%;BRK.B:25.8%;IEF:25.8%;GLD:23.3%,US:70.2;EU:10.0;APAC:9.7;EM:5.8;Other:4.3,Value:-0.3;Growth:+0.7;Quality:-0.5;Size:+0.6;Momentum:+1.0;LowVol:+0.4,NoDerivatives,8,35,5.7,hard 12%,215,25.7,Bull,18.0,3.87,2.1,119,99,93,54,false,Rebalance,Shift +1% to bonds from equity,11,-20,BrokerD,MKT,99,None,None,Normal monitoring,117,17,178,5,false,Tighten stops on momentum names
P5821,Hands-off,401k,USD,2025-01-01,574918,25420,549498,1.0,69.3,21.7,1.9,7.1,XLF:8.1%;TSLA:18.2%;MSFT:21.8%;HYG:21.8%;AMZN:8.2%;BND:21.8%,US:61.9;EU:15.5;APAC:12.7;EM:9.4;Other:0.5,Value:-0.6;Growth:+0.1;Quality:+0.4;Size:-0.4;Momentum:-0.9;LowVol:+1.0,MaxPos5%,7,30,4.0,trailing 10%,136,18.1,Bear,32.3,4.06,1.7,205,-47,35,93,true,Hedge,Buy index puts 1% notional,20,-17,BrokerC,VWAP,95,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-23,3,35,2,false,Tax-aware sells next window
P5822,Hands-off,IRA,USD,2024-07-14,538954,44473,494481,1.0,67.6,18.7,6.1,7.6,BRK.B:32.8%;AAPL:33.6%;BND:33.6%,US:69.3;EU:13.6;APAC:5.5;EM:10.7;Other:0.9,Value:-0.7;Growth:-0.1;Quality:+0.6;Size:-1.0;Momentum:-0.1;LowVol:+0.6,MaxPos7%;NoDerivatives,5,35,5.9,trailing 10%,107,14.5,Bear,33.1,4.46,2.3,172,-103,5,96,true,Rebalance,Rebalance back to target bands,-15,-16,BrokerC,LMT,86,Drift>tolerance,Reduce,Allocation drift beyond policy bands,45,-21,118,4,false,Tighten stops on momentum names
P5823,Cautious,401k,USD,2024-11-29,456243,49344,406899,1.0,35.4,39.2,14.6,10.8,AMZN:12.6%;MSFT:22.6%;QQQ:22.6%;VTI:10.1%;VNQ:9.4%;TSLA:22.6%,US:72.4;EU:12.4;APAC:8.5;EM:3.1;Other:3.6,Value:+0.2;Growth:-0.3;Quality:+0.5;Size:-0.3;Momentum:-0.0;LowVol:-0.9,ESGOnly;MaxPos7%;NoDerivatives;NoMargin,6,30,4.6,trailing 8%,113,19.9,Bull,16.9,3.88,2.2,116,97,100,41,false,Sell,Trim extended winner -1%,11,-24,BrokerC,MKT,90,None,None,Normal monitoring,29,-13,145,3,false,Increase defensive factor exposure
P5824,Systematic,401k,USD,2025-09-08,1672173,74508,1597665,1.0,60.3,30.8,2.7,6.2,BND:23.6%;MUB:27.5%;XLF:21.5%;MSFT:27.5%,US:64.8;EU:14.8;APAC:8.9;EM:11.0;Other:0.4,Value:-0.2;Growth:+0.6;Quality:+1.0;Size:-1.0;Momentum:-1.0;LowVol:-0.2,,7,25,4.5,hard 12%,168,21.7,Bull,12.4,3.63,2.4,112,56,80,46,false,Hedge,Add TLT +1% as duration hedge,34,-29,BrokerC,MKT,100,None,None,Normal monitoring,111,9,95,4,false,Tax-aware sells next window
P5825,Systematic,IRA,USD,2024-12-01,655895,31877,624018,1.0,63.6,26.3,0.5,9.5,BRK.B:33.3%;VTI:33.3%;MUB:33.3%,US:60.6;EU:16.8;APAC:9.6;EM:12.3;Other:0.7,Value:-0.1;Growth:+0.9;Quality:+1.0;Size:+0.2;Momentum:-0.1;LowVol:-0.8,MaxPos5%,7,35,5.7,hard 12%,191,23.4,Bull,12.4,4.01,2.8,114,116,100,47,false,Sell,Trim extended winner -1%,25,9,BrokerD,VWAP,88,None,None,Normal monitoring,-32,6,19,4,false,Within IPS guidelines
P5826,Active,IRA,USD,2025-07-05,1046028,115735,930293,1.06,69.0,18.4,7.5,5.1,GLD:32.2%;XLF:18.5%;TSLA:32.2%;VNQ:17.1%,US:60.4;EU:7.4;APAC:14.9;EM:12.4;Other:4.8,Value:-0.6;Growth:+0.6;Quality:+0.7;Size:+0.1;Momentum:+0.5;LowVol:+0.3,MaxPos7%,7,25,4.4,trailing 8%,211,17.9,Bull,16.8,4.02,2.3,72,109,91,51,true,Reduce,"Cut high-beta by 2-3%, add cash",1,-14,BrokerD,MKT,98,VAR>budget,Reduce,Risk above budget threshold,-14,-28,29,2,false,Monitor dispersion and breadth
P5827,Active,401k,USD,2025-07-28,1296112,150342,1145770,1.12,60.0,21.5,11.0,7.6,GLD:33.3%;MSFT:33.3%;HYG:33.3%,US:70.7;EU:6.0;APAC:6.0;EM:12.7;Other:4.6,Value:-0.7;Growth:-0.4;Quality:-1.0;Size:+0.9;Momentum:-0.5;LowVol:-0.7,,10,25,4.6,trailing 9%,186,26.0,Volatile,26.8,5.24,2.0,163,34,61,66,false,Buy,Add to core equity +1%,-14,-9,BrokerA,LMT,94,None,None,Normal monitoring,113,12,83,3,false,Tax-aware sells next window
P5828,Active,Taxable,USD,2025-04-21,1556074,127083,1428991,1.0,64.3,21.9,6.8,7.1,QQQ:15.8%;GLD:11.5%;TLT:13.1%;VNQ:19.2%;IEF:17.8%;VOO:22.4%,US:73.0;EU:6.9;APAC:13.3;EM:6.0;Other:0.9,Value:-0.7;Growth:+0.5;Quality:-0.1;Size:+0.1;Momentum:0.0;LowVol:+0.1,MaxPos8%,5,30,4.3,trailing 9%,202,22.8,Bear,29.4,3.23,2.4,175,-21,36,73,true,Hedge,Buy index puts 1% notional,24,13,BrokerA,MKT,91,Drift>tolerance,Hedge,Allocation drift beyond policy bands,43,-27,143,5,false,Tax-aware sells next window
P5829,Systematic,IRA,USD,2024-09-11,1185107,74668,1110439,1.0,63.5,30.4,0.0,6.0,IEF:33.3%;GLD:33.3%;TLT:33.3%,US:64.5;EU:17.7;APAC:6.2;EM:10.1;Other:1.6,Value:-0.4;Growth:-0.4;Quality:-0.4;Size:+1.0;Momentum:+0.3;LowVol:-0.1,,8,25,4.8,trailing 9%,205,22.2,Sideways,21.5,4.95,2.1,117,15,48,61,false,Hedge,Add TLT +1% as duration hedge,-13,-37,BrokerB,LMT,93,None,None,Normal monitoring,-34,-10,59,3,false,Tighten stops on momentum names
P5830,Systematic,IRA,USD,2024-09-20,1691945,71577,1620368,1.0,65.1,28.1,0.0,6.9,TLT:37.9%;XLF:37.9%;BND:24.2%,US:64.2;EU:14.1;APAC:10.0;EM:10.1;Other:1.5,Value:-0.9;Growth:+0.1;Quality:+0.2;Size:+0.4;Momentum:+0.9;LowVol:-0.1,,8,35,4.2,trailing 8%,132,22.8,Bull,13.6,3.67,3.4,77,80,92,44,false,Rebalance,Shift +1% to bonds from equity,27,-27,BrokerC,VWAP,87,None,None,Normal monitoring,83,2,108,4,false,Monitor dispersion and breadth
P5831,Hands-off,Trust,USD,2025-07-29,795296,48021,747275,1.0,66.9,21.1,2.6,9.5,QQQ:22.9%;XLF:10.2%;TSLA:22.9%;IEF:22.9%;TLT:21.0%,US:64.6;EU:14.3;APAC:14.9;EM:5.4;Other:0.8,Value:+0.7;Growth:+0.8;Quality:+0.4;Size:-0.7;Momentum:-0.6;LowVol:+1.0,ESGOnly;MaxPos6%;NoDerivatives,7,35,4.5,hard 10%,128,14.1,Volatile,20.1,4.11,2.3,115,5,63,58,true,Reduce,"Cut high-beta by 2-3%, add cash",15,-12,BrokerB,LMT,98,Drift>tolerance,Reduce,Allocation drift beyond policy bands,99,-2,59,4,false,Tighten stops on momentum names
P5832,Systematic,IRA,USD,2025-12-06,1419359,62948,1356411,1.0,55.4,32.4,3.7,8.6,HYG:20.5%;QQQ:17.6%;VOO:20.0%;VNQ:20.9%;IEF:20.9%,US:67.0;EU:14.4;APAC:9.3;EM:7.4;Other:1.8,Value:-0.8;Growth:+0.7;Quality:+0.6;Size:+0.9;Momentum:0.0;LowVol:+0.2,NoDerivatives,6,30,4.8,trailing 8%,178,24.2,Bull,17.2,4.44,2.0,110,104,100,54,false,Buy,Add to core equity +1%,34,15,BrokerC,MKT,88,None,None,Normal monitoring,119,-54,83,4,false,Monitor dispersion and breadth
P5833,Opportunistic,Trust,USD,2025-01-09,921756,29669,892087,1.0,61.8,16.2,14.1,7.9,AAPL:22.2%;IEF:22.2%;VNQ:13.4%;AMZN:20.2%;TLT:22.2%,US:71.4;EU:11.2;APAC:11.8;EM:5.3;Other:0.4,Value:-0.3;Growth:-0.4;Quality:+0.5;Size:+0.5;Momentum:+0.2;LowVol:-0.1,MaxPos8%,10,25,6.4,trailing 9%,170,20.9,Bull,16.5,5.0,3.2,96,81,92,41,false,NoAction,Within bands; monitor,-6,5,BrokerA,MKT,0,None,None,Normal monitoring,79,-52,64,5,false,Increase defensive factor exposure
P5834,Active,Roth,USD,2025-11-04,1750076,204128,1545948,1.0,64.0,28.2,0.7,7.1,XLF:28.3%;IEF:19.1%;MSFT:24.3%;GLD:28.3%,US:70.2;EU:11.0;APAC:7.6;EM:8.1;Other:3.0,Value:+0.8;Growth:-0.4;Quality:-0.2;Size:-0.9;Momentum:+0.1;LowVol:-0.4,,8,30,5.1,hard 12%,127,16.6,Sideways,20.7,4.02,2.2,129,17,55,65,false,Rebalance,Shift +1% to bonds from equity,-14,-28,BrokerC,VWAP,99,None,None,Normal monitoring,60,-34,163,5,false,Increase defensive factor exposure
P5835,Opportunistic,IRA,USD,2025-04-23,719100,29402,689698,1.0,65.7,17.9,9.0,7.3,IEF:33.3%;VNQ:33.3%;GLD:33.3%,US:69.4;EU:11.3;APAC:11.3;EM:4.3;Other:3.6,Value:-0.3;Growth:-0.1;Quality:+0.9;Size:-0.3;Momentum:+0.4;LowVol:-0.8,MaxPos8%;NoDerivatives,7,25,6.4,trailing 9%,226,26.9,Bear,28.8,3.82,1.3,210,-83,15,85,true,Hedge,Buy index puts 1% notional,19,12,BrokerC,LMT,94,Drift>tolerance,Reduce,Allocation drift beyond policy bands,27,12,107,2,false,Increase defensive factor exposure
P5836,Active,Roth,USD,2024-10-21,1163827,111616,1052211,1.09,63.4,28.9,0.0,7.7,MSFT:23.0%;TLT:20.4%;HYG:23.0%;IEF:11.9%;GLD:12.4%;VOO:9.3%,US:68.5;EU:12.4;APAC:6.5;EM:9.8;Other:2.7,Value:+0.2;Growth:-0.9;Quality:-0.6;Size:-0.4;Momentum:+0.7;LowVol:+0.3,MaxPos5%,10,35,5.8,trailing 9%,215,23.6,Sideways,17.9,4.22,2.9,101,-14,48,61,false,Buy,Add to core equity +1%,28,-30,BrokerC,MKT,93,None,None,Normal monitoring,112,-18,93,4,false,Monitor dispersion and breadth
P5837,Opportunistic,IRA,USD,2024-08-12,492371,20615,471756,1.0,63.7,18.1,12.9,5.3,IEF:30.1%;AMZN:35.0%;MSFT:35.0%,US:62.6;EU:18.4;APAC:12.3;EM:3.7;Other:3.1,Value:-0.2;Growth:+1.0;Quality:+0.9;Size:-0.2;Momentum:-0.6;LowVol:+0.3,,8,30,4.8,trailing 9%,212,31.4,Volatile,27.9,5.3,4.5,153,20,67,68,false,Rebalance,Shift +1% to bonds from equity,-14,-33,BrokerB,LMT,96,None,None,Normal monitoring,98,0,204,5,false,Within IPS guidelines
P5838,Active,Roth,USD,2024-09-18,1816440,133957,1682483,1.22,60.3,30.8,0.0,9.0,AAPL:22.4%;HYG:21.0%;AMZN:19.0%;GLD:15.1%;VOO:22.4%,US:65.3;EU:13.3;APAC:13.0;EM:5.4;Other:2.9,Value:+0.4;Growth:+0.2;Quality:-0.8;Size:-0.3;Momentum:-1.0;LowVol:+0.8,MaxPos8%,10,35,5.4,trailing 8%,163,16.2,Sideways,17.9,4.16,2.1,137,-17,27,57,false,Rebalance,Shift +1% to bonds from equity,-6,8,BrokerC,LMT,100,None,None,Normal monitoring,-25,-42,78,3,false,Tax-aware sells next window
P5839,Systematic,Trust,USD,2025-11-12,700857,64624,636233,1.0,62.4,21.0,8.2,8.3,AMZN:25.8%;HYG:25.8%;BND:22.7%;MSFT:25.8%,US:60.6;EU:10.9;APAC:16.1;EM:10.9;Other:1.4,Value:-0.2;Growth:-0.7;Quality:+0.7;Size:-0.6;Momentum:-0.0;LowVol:-0.1,MaxPos7%;NoDerivatives,5,30,4.6,hard 12%,153,19.7,Volatile,24.3,4.31,3.2,160,36,58,76,true,Hedge,Buy index puts 1% notional,14,-9,BrokerA,LMT,87,VAR>budget,Reduce,Risk above budget threshold,61,-25,68,4,false,Monitor dispersion and breadth
P5840,Hands-off,Taxable,USD,2024-07-23,414836,30804,384032,1.0,67.3,26.2,0.0,6.5,QQQ:33.3%;TSLA:33.3%;VNQ:33.3%,US:70.8;EU:12.4;APAC:8.9;EM:5.7;Other:2.3,Value:-0.8;Growth:+0.5;Quality:+0.2;Size:+0.3;Momentum:+0.6;LowVol:+0.8,,5,25,3.0,trailing 8%,104,19.8,Bull,12.8,4.6,3.0,102,3,49,43,false,Buy,Add to core equity +1%,30,4,BrokerD,MKT,95,None,None,Normal monitoring,35,-15,154,4,false,Within IPS guidelines
P5841,Hands-off,401k,USD,2025-03-13,716876,66567,650309,1.0,68.9,26.4,0.0,4.8,HYG:24.1%;BRK.B:25.3%;VTI:25.3%;QQQ:25.3%,US:65.0;EU:14.2;APAC:7.8;EM:10.1;Other:2.9,Value:+0.8;Growth:+0.5;Quality:+0.3;Size:-0.2;Momentum:+0.7;LowVol:+0.2,MaxPos8%,10,30,5.0,hard 10%,115,17.9,Volatile,31.9,4.51,2.4,156,-17,40,95,true,Reduce,"Cut high-beta by 2-3%, add cash",30,-28,BrokerC,LMT,90,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-37,1,71,5,false,Tax-aware sells next window
P5842,Active,Roth,USD,2024-10-12,1521929,95647,1426282,1.0,53.4,26.8,13.6,6.2,VOO:33.3%;VTI:33.3%;IEF:33.3%,US:65.4;EU:15.8;APAC:10.8;EM:6.0;Other:2.0,Value:-0.9;Growth:-0.2;Quality:+0.8;Size:+0.5;Momentum:+0.3;LowVol:-0.6,MaxPos7%,10,30,4.2,trailing 8%,138,16.2,Bull,16.2,4.03,2.2,86,12,41,43,false,Rebalance,Shift +1% to bonds from equity,9,-29,BrokerC,LMT,98,None,None,Normal monitoring,-32,16,37,5,false,Increase defensive factor exposure
P5843,Hands-off,Roth,USD,2025-03-26,255576,15043,240533,1.0,59.8,17.5,16.1,6.6,BRK.B:13.3%;AAPL:6.7%;TSLA:21.8%;VNQ:21.8%;MSFT:21.8%;HYG:14.7%,US:67.0;EU:11.7;APAC:10.6;EM:6.5;Other:4.2,Value:-0.1;Growth:+0.5;Quality:+0.8;Size:-0.7;Momentum:+0.8;LowVol:-0.7,MaxPos5%,7,30,3.8,hard 10%,154,17.9,Bull,14.8,4.43,2.3,106,12,57,45,true,Hedge,Buy index puts 1% notional,9,-33,BrokerD,MKT,89,RegimeShift,Reduce,Volatility spike and breadth deterioration,57,-17,129,2,false,Tax-aware sells next window
P5844,Active,401k,USD,2024-12-29,2162146,258366,1903780,1.0,53.9,18.4,21.9,5.8,GLD:18.5%;VNQ:27.2%;IEF:27.2%;XLF:27.2%,US:66.1;EU:10.4;APAC:10.9;EM:9.1;Other:3.6,Value:+0.1;Growth:-0.4;Quality:-0.6;Size:+0.2;Momentum:+0.5;LowVol:+0.6,MaxPos6%,5,25,4.4,trailing 8%,191,23.5,Bear,30.2,3.9,2.1,175,9,46,66,false,Rebalance,Shift +1% to bonds from equity,-1,5,BrokerD,LMT,87,None,None,Normal monitoring,-2,-25,118,4,false,Increase defensive factor exposure
P5845,Cautious,IRA,USD,2025-10-24,690578,63863,626715,1.0,45.7,42.2,0.0,12.1,AMZN:28.3%;GLD:27.1%;IEF:24.4%;BRK.B:20.2%,US:66.3;EU:17.4;APAC:7.1;EM:7.2;Other:2.0,Value:+0.7;Growth:+0.9;Quality:+0.8;Size:+0.1;Momentum:+0.6;LowVol:-0.5,MaxPos7%;NoMargin,10,35,4.2,hard 10%,134,19.4,Bear,26.2,4.36,2.9,161,5,64,57,false,Sell,Trim extended winner -1%,35,9,BrokerB,LMT,86,None,None,Normal monitoring,77,-7,113,3,false,Increase defensive factor exposure
P5846,Opportunistic,Roth,USD,2025-05-12,1545158,120258,1424900,1.0,60.4,17.4,13.9,8.3,MUB:29.7%;QQQ:35.2%;VTI:35.2%,US:69.4;EU:11.9;APAC:6.4;EM:12.2;Other:0.1,Value:+0.8;Growth:+0.6;Quality:-0.2;Size:+0.4;Momentum:-0.8;LowVol:+1.0,NoDerivatives,8,25,4.9,hard 12%,189,28.1,Volatile,26.4,3.8,3.8,126,78,74,71,true,Hedge,Buy index puts 1% notional,18,13,BrokerB,MKT,91,RegimeShift,Hedge,Volatility spike and breadth deterioration,-57,-39,56,5,false,Monitor dispersion and breadth
P5847,Hands-off,401k,USD,2024-12-20,650682,46931,603751,1.0,55.3,26.6,8.2,9.9,XLF:33.3%;GLD:33.3%;IEF:33.3%,US:70.3;EU:9.1;APAC:12.0;EM:4.4;Other:4.3,Value:0.0;Growth:-0.0;Quality:+0.5;Size:+0.7;Momentum:0.0;LowVol:-0.7,,8,35,4.0,trailing 8%,107,17.1,Volatile,29.4,5.13,3.4,122,4,47,79,true,Hedge,Buy index puts 1% notional,3,-19,BrokerB,VWAP,95,RegimeShift,Reduce,Volatility spike and breadth deterioration,14,-29,-3,3,false,Tax-aware sells next window
P5848,Cautious,IRA,USD,2025-06-10,246747,33437,213310,1.0,48.9,33.8,0.0,17.3,MSFT:17.8%;MUB:15.6%;GLD:22.2%;AMZN:22.2%;VTI:22.2%,US:66.8;EU:11.0;APAC:11.8;EM:10.1;Other:0.3,Value:+0.7;Growth:-0.7;Quality:+0.7;Size:-0.6;Momentum:-0.5;LowVol:+0.5,ESGOnly;NoDerivatives;NoMargin,7,25,5.4,trailing 8%,152,19.5,Bull,16.4,3.79,2.3,75,53,64,33,false,Rebalance,Shift +1% to bonds from equity,14,-34,BrokerC,MKT,99,None,None,Normal monitoring,75,-23,111,3,false,Monitor dispersion and breadth
P5849,Systematic,Roth,USD,2024-11-01,644304,61974,582330,1.0,57.3,31.3,3.0,8.4,AAPL:18.8%;AMZN:8.8%;QQQ:13.3%;VNQ:18.1%;BND:20.5%;TLT:20.5%,US:65.5;EU:16.5;APAC:9.0;EM:6.9;Other:2.1,Value:-0.8;Growth:+0.2;Quality:-0.6;Size:-0.5;Momentum:+0.7;LowVol:-0.1,NoDerivatives,7,25,4.2,hard 12%,181,19.2,Bull,15.9,3.62,2.0,104,77,90,48,false,NoAction,Within bands; monitor,-2,9,BrokerD,MKT,0,None,None,Normal monitoring,55,-57,149,4,false,Tighten stops on momentum names
P5850,Systematic,Trust,USD,2025-12-02,660597,49049,611548,1.0,63.4,29.2,0.0,7.4,HYG:33.3%;TSLA:33.3%;VTI:33.3%,US:76.1;EU:5.5;APAC:6.3;EM:7.9;Other:4.2,Value:-0.0;Growth:-0.2;Quality:-0.2;Size:-0.5;Momentum:-0.3;LowVol:-0.6,,7,25,4.7,hard 12%,206,25.3,Volatile,21.9,4.37,2.5,116,-49,31,58,false,Sell,Trim extended winner -1%,25,-33,BrokerA,LMT,98,None,None,Normal monitoring,87,-1,83,3,false,Within IPS guidelines
P5851,Systematic,IRA,USD,2025-06-02,1611311,152322,1458989,1.0,63.3,29.6,0.0,7.1,VNQ:23.7%;TLT:23.7%;HYG:20.6%;AMZN:13.7%;MSFT:18.3%,US:71.6;EU:10.7;APAC:8.2;EM:4.5;Other:5.0,Value:-0.5;Growth:-0.6;Quality:-0.4;Size:+0.6;Momentum:+0.9;LowVol:+0.7,MaxPos6%,5,35,5.2,hard 12%,145,16.8,Volatile,27.2,3.71,4.4,151,48,72,66,false,Sell,Trim extended winner -1%,1,-11,BrokerA,VWAP,98,None,None,Normal monitoring,-38,-3,68,3,false,Monitor dispersion and breadth
P5852,Cautious,Roth,USD,2025-05-16,865772,112116,753656,1.0,44.4,32.5,8.7,14.4,MUB:24.6%;QQQ:25.9%;BRK.B:23.5%;VNQ:25.9%,US:62.9;EU:13.1;APAC:9.1;EM:10.3;Other:4.7,Value:+0.2;Growth:-0.1;Quality:-0.5;Size:+0.7;Momentum:0.0;LowVol:+0.5,ESGOnly;MaxPos5%;NoMargin,10,25,3.3,trailing 10%,112,17.9,Bull,11.4,3.81,3.0,74,24,64,26,false,Sell,Trim extended winner -1%,-11,8,BrokerA,LMT,90,None,None,Normal monitoring,-34,-25,8,4,false,Tax-aware sells next window
P5853,Active,Roth,USD,2024-12-29,624979,71476,553503,1.08,62.0,25.6,6.2,6.1,IEF:33.3%;MSFT:33.3%;QQQ:33.3%,US:68.7;EU:10.4;APAC:10.5;EM:6.0;Other:4.4,Value:-0.5;Growth:-0.4;Quality:-0.7;Size:+0.4;Momentum:+0.5;LowVol:-0.4,MaxPos8%;NoDerivatives,6,35,5.9,trailing 9%,133,27.5,Bear,27.5,3.79,2.5,159,-19,49,64,false,Rebalance,Shift +1% to bonds from equity,7,11,BrokerC,MKT,86,None,None,Normal monitoring,99,-27,96,3,false,Tighten stops on momentum names
P5854,Cautious,IRA,USD,2025-12-22,450244,65415,384829,1.0,37.2,34.1,14.5,14.2,VOO:35.5%;VNQ:35.5%;GLD:28.9%,US:76.4;EU:12.6;APAC:5.4;EM:4.6;Other:1.0,Value:+0.6;Growth:-0.2;Quality:+0.2;Size:-0.8;Momentum:-0.8;LowVol:-0.4,NoMargin,10,25,5.8,trailing 8%,166,15.4,Sideways,15.3,3.93,3.2,137,11,47,34,false,Rebalance,Shift +1% to bonds from equity,14,-38,BrokerB,MKT,94,None,None,Normal monitoring,-6,-20,-35,4,false,Within IPS guidelines
P5855,Active,Taxable,USD,2024-08-05,1758528,204026,1554502,1.0,63.2,24.2,3.0,9.6,IEF:9.4%;TSLA:23.2%;TLT:23.2%;QQQ:21.0%;VNQ:23.2%,US:74.8;EU:5.4;APAC:12.3;EM:6.7;Other:0.8,Value:-0.5;Growth:0.0;Quality:+0.1;Size:-0.2;Momentum:0.0;LowVol:+0.7,,10,35,5.6,trailing 8%,211,25.6,Bear,27.2,3.35,1.4,199,-104,5,69,false,Buy,Add to core equity +1%,-13,-11,BrokerD,VWAP,87,None,None,Normal monitoring,42,-1,79,4,false,Within IPS guidelines
P5856,Cautious,Trust,USD,2024-11-28,188300,21504,166796,1.0,40.0,33.7,13.8,12.4,MSFT:21.0%;VOO:8.6%;QQQ:14.6%;AMZN:21.0%;TLT:17.2%;HYG:17.4%,US:61.0;EU:20.5;APAC:10.7;EM:6.4;Other:1.4,Value:+0.3;Growth:-0.1;Quality:-0.9;Size:-0.3;Momentum:-0.4;LowVol:+0.5,ESGOnly;MaxPos5%;NoMargin,5,30,4.3,trailing 10%,157,16.5,Bull,14.6,4.01,2.3,110,33,81,24,false,Rebalance,Shift +1% to bonds from equity,29,-21,BrokerB,MKT,99,None,None,Normal monitoring,27,-2,119,4,false,Increase defensive factor exposure
P5857,Active,401k,USD,2025-10-21,1848798,168971,1679827,1.08,62.1,23.4,4.6,9.8,VTI:25.0%;XLF:25.0%;QQQ:25.0%;VNQ:25.0%,US:63.0;EU:12.1;APAC:11.3;EM:12.9;Other:0.7,Value:+0.8;Growth:-0.3;Quality:-0.3;Size:-0.7;Momentum:-0.5;LowVol:+1.0,,8,25,4.2,hard 12%,182,17.8,Bull,13.7,3.56,2.1,77,108,100,49,true,Rebalance,Rebalance back to target bands,-10,-33,BrokerA,LMT,90,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,18,11,150,5,true,Within IPS guidelines
P5858,Opportunistic,IRA,USD,2025-08-17,1325932,100403,1225529,1.24,75.6,15.0,4.1,5.2,MUB:8.4%;QQQ:11.6%;IEF:22.7%;MSFT:22.7%;HYG:12.0%;AAPL:22.7%,US:68.8;EU:10.6;APAC:15.5;EM:4.7;Other:0.3,Value:+0.7;Growth:+0.8;Quality:-0.8;Size:-0.0;Momentum:+0.8;LowVol:+0.1,MaxPos8%,7,25,7.0,trailing 7%,160,33.1,Bear,33.9,3.92,1.9,174,-65,5,95,true,Hedge,Buy index puts 1% notional,17,4,BrokerC,MKT,90,VAR>budget,Hedge,Risk above budget threshold,22,14,146,3,false,Tighten stops on momentum names
P5859,Hands-off,Taxable,USD,2025-08-17,591497,47035,544462,1.0,70.0,20.9,0.8,8.3,VNQ:11.9%;GLD:20.3%;AMZN:13.5%;BND:19.5%;MSFT:18.2%;TSLA:16.6%,US:63.7;EU:16.0;APAC:11.4;EM:7.1;Other:1.8,Value:-1.0;Growth:-0.8;Quality:-0.9;Size:+0.5;Momentum:-0.3;LowVol:+1.0,,5,30,4.6,trailing 10%,108,18.0,Bull,13.7,4.37,3.2,94,100,91,39,false,Hedge,Add TLT +1% as duration hedge,18,-21,BrokerC,MKT,93,None,None,Normal monitoring,33,-27,21,4,false,Tax-aware sells next window
P5860,Cautious,Roth,USD,2025-06-30,467176,71586,395590,1.0,43.1,39.0,7.8,10.1,VTI:13.2%;AAPL:19.0%;VOO:20.1%;TLT:13.6%;BRK.B:16.0%;QQQ:18.2%,US:75.5;EU:9.6;APAC:9.2;EM:5.3;Other:0.4,Value:+0.6;Growth:-0.7;Quality:-0.1;Size:-0.7;Momentum:-0.5;LowVol:-0.4,MaxPos5%;NoDerivatives;NoMargin,10,30,4.4,hard 10%,149,12.7,Volatile,29.3,5.12,4.1,155,-56,28,63,false,Sell,Trim extended winner -1%,-5,-4,BrokerB,LMT,98,None,None,Normal monitoring,47,-20,120,3,false,Monitor dispersion and breadth
P5861,Active,Roth,USD,2025-05-10,1767087,163861,1603226,1.07,62.1,23.9,6.9,7.1,AMZN:33.3%;TLT:33.3%;MSFT:33.3%,US:59.0;EU:15.7;APAC:11.4;EM:11.5;Other:2.4,Value:-0.8;Growth:+0.7;Quality:+0.4;Size:+0.5;Momentum:-0.0;LowVol:+0.3,MaxPos5%,6,35,5.4,trailing 8%,178,17.1,Bull,16.3,4.91,2.5,88,105,96,52,false,Hedge,Add TLT +1% as duration hedge,9,8,BrokerD,MKT,86,None,None,Normal monitoring,-49,-12,91,3,false,Tighten stops on momentum names
P5862,Cautious,Roth,USD,2024-07-13,244293,28356,215937,1.0,54.7,35.2,0.0,10.2,VOO:25.0%;TSLA:25.0%;MSFT:25.0%;BND:25.0%,US:59.1;EU:17.3;APAC:14.2;EM:8.6;Other:0.7,Value:+0.9;Growth:+0.5;Quality:+0.6;Size:+0.7;Momentum:+0.6;LowVol:+0.4,ESGOnly;NoMargin,6,30,5.8,trailing 10%,102,16.6,Sideways,18.8,4.99,2.8,124,-14,55,59,false,Buy,Add to core equity +1%,-8,-11,BrokerA,LMT,88,None,None,Normal monitoring,116,-51,197,4,false,Within IPS guidelines
P5863,Active,401k,USD,2025-12-03,1150187,75739,1074448,1.0,52.2,21.6,17.6,8.6,XLF:7.8%;IEF:17.3%;AMZN:17.1%;TLT:22.0%;MUB:22.0%;VOO:13.8%,US:65.6;EU:11.9;APAC:12.3;EM:8.1;Other:2.0,Value:+0.4;Growth:-0.1;Quality:+0.8;Size:-0.2;Momentum:+0.8;LowVol:+0.4,,7,25,4.2,trailing 8%,197,26.9,Volatile,22.9,5.25,3.8,136,10,43,54,false,Hedge,Add TLT +1% as duration hedge,13,-21,BrokerC,MKT,86,None,None,Normal monitoring,-37,-27,90,3,false,Within IPS guidelines
P5864,Opportunistic,IRA,USD,2025-07-19,1409654,96166,1313488,1.0,63.6,21.8,6.7,7.9,VNQ:33.3%;BRK.B:33.3%;TSLA:33.3%,US:70.8;EU:8.2;APAC:10.3;EM:9.5;Other:1.2,Value:+0.8;Growth:+1.0;Quality:+0.5;Size:-0.4;Momentum:-0.9;LowVol:-0.2,MaxPos5%;NoDerivatives,7,25,5.9,trailing 7%,227,23.4,Bear,25.9,3.2,2.6,174,2,49,79,true,Hedge,Buy index puts 1% notional,31,-20,BrokerC,LMT,99,VAR>budget,Reduce,Risk above budget threshold,14,13,-3,2,false,Within IPS guidelines
P5865,Hands-off,Taxable,USD,2025-10-18,398973,29016,369957,1.0,69.9,22.8,0.8,6.5,VOO:11.8%;QQQ:19.0%;VNQ:16.0%;AMZN:20.9%;XLF:20.9%;MSFT:11.2%,US:60.7;EU:13.6;APAC:13.7;EM:10.5;Other:1.5,Value:-0.3;Growth:+0.3;Quality:-0.7;Size:+0.7;Momentum:+0.1;LowVol:-0.3,ESGOnly;MaxPos5%,5,25,3.0,hard 10%,109,16.6,Volatile,21.6,3.78,4.1,173,46,77,69,false,Buy,Add to core equity +1%,14,15,BrokerA,MKT,98,None,None,Normal monitoring,12,-9,7,4,false,Tax-aware sells next window
P5866,Hands-off,401k,USD,2025-06-04,532497,39688,492809,1.0,60.2,20.3,12.7,6.8,XLF:18.8%;BRK.B:14.6%;VNQ:7.6%;QQQ:21.1%;GLD:21.1%;VTI:16.8%,US:78.9;EU:8.1;APAC:6.7;EM:6.1;Other:0.2,Value:-0.6;Growth:+0.2;Quality:-0.8;Size:+0.7;Momentum:-0.5;LowVol:-0.9,ESGOnly;MaxPos8%,8,25,5.1,hard 10%,161,20.0,Volatile,27.4,5.45,3.3,120,33,77,72,true,Hedge,Buy index puts 1% notional,27,-38,BrokerD,VWAP,88,RegimeShift,TightenStops,Volatility spike and breadth deterioration,100,-13,160,2,false,Tax-aware sells next window
P5867,Hands-off,Roth,USD,2025-08-29,792170,34515,757655,1.0,60.4,27.5,2.4,9.8,HYG:13.5%;QQQ:24.8%;MUB:24.8%;VOO:11.9%;TSLA:24.8%,US:79.4;EU:7.0;APAC:8.3;EM:3.9;Other:1.4,Value:-0.9;Growth:0.0;Quality:+0.1;Size:-0.8;Momentum:-0.3;LowVol:+0.8,ESGOnly;NoDerivatives,7,35,4.1,trailing 8%,166,17.4,Bull,15.6,4.47,2.1,87,21,48,48,false,Hedge,Add TLT +1% as duration hedge,15,-8,BrokerC,MKT,93,None,None,Normal monitoring,41,-54,8,5,false,Increase defensive factor exposure
P5868,Systematic,401k,USD,2024-12-19,1654279,133810,1520469,1.0,58.5,34.2,0.1,7.2,AAPL:11.5%;MSFT:17.9%;IEF:14.6%;TSLA:14.2%;BRK.B:21.3%;AMZN:20.5%,US:62.8;EU:20.2;APAC:7.7;EM:7.6;Other:1.8,Value:+0.5;Growth:-0.4;Quality:-0.7;Size:+0.6;Momentum:+0.7;LowVol:+0.4,,8,35,4.5,trailing 8%,209,24.5,Volatile,24.4,3.51,2.6,148,33,66,63,false,Buy,Add to core equity +1%,20,-8,BrokerC,MKT,88,None,None,Normal monitoring,-5,1,77,5,false,Increase defensive factor exposure
P5869,Opportunistic,IRA,USD,2025-05-24,555301,22275,533026,1.0,75.8,17.8,0.0,6.4,XLF:33.3%;BND:33.3%;MUB:33.3%,US:61.5;EU:17.4;APAC:10.8;EM:10.1;Other:0.2,Value:+0.5;Growth:+0.9;Quality:-0.0;Size:+0.6;Momentum:-0.9;LowVol:+0.3,,5,35,6.2,trailing 7%,250,25.0,Bear,25.9,4.42,2.6,148,3,45,76,true,Reduce,"Cut high-beta by 2-3%, add cash",-7,-36,BrokerA,MKT,96,VAR>budget,Hedge,Risk above budget threshold,92,3,114,4,false,Increase defensive factor exposure
P5870,Systematic,Taxable,USD,2025-10-22,536401,33278,503123,1.0,59.7,24.3,7.5,8.5,AAPL:21.0%;BND:21.0%;TSLA:20.0%;XLF:20.4%;HYG:6.8%;MUB:10.8%,US:63.5;EU:12.1;APAC:11.9;EM:9.6;Other:2.9,Value:+0.7;Growth:-0.5;Quality:+0.8;Size:-0.6;Momentum:-0.4;LowVol:+1.0,,6,35,4.4,hard 12%,120,18.4,Sideways,15.5,3.88,2.2,104,-10,50,53,false,Rebalance,Shift +1% to bonds from equity,11,-29,BrokerC,LMT,93,None,None,Normal monitoring,120,-54,144,3,false,Tighten stops on momentum names
P5871,Hands-off,IRA,USD,2025-06-27,654145,56169,597976,1.0,61.4,23.5,9.7,5.4,IEF:33.3%;TSLA:33.3%;AAPL:33.3%,US:55.7;EU:17.9;APAC:12.0;EM:9.9;Other:4.5,Value:-0.6;Growth:-0.5;Quality:+0.6;Size:-0.6;Momentum:+0.1;LowVol:-0.3,ESGOnly;MaxPos5%,7,25,5.0,hard 10%,148,19.6,Bull,17.5,3.88,2.8,74,12,54,58,false,Rebalance,Shift +1% to bonds from equity,20,-13,BrokerA,MKT,93,None,None,Normal monitoring,101,7,123,4,false,Within IPS guidelines
P5872,Systematic,Taxable,USD,2025-06-30,1146212,48888,1097324,1.0,59.3,21.2,12.8,6.6,TSLA:25.7%;HYG:25.7%;MUB:25.7%;BRK.B:22.8%,US:62.2;EU:15.4;APAC:7.6;EM:11.5;Other:3.3,Value:-0.3;Growth:+0.3;Quality:+0.2;Size:-0.5;Momentum:+0.4;LowVol:-0.5,,10,35,4.9,trailing 8%,219,22.5,Volatile,25.3,4.57,4.4,167,72,90,73,true,Reduce,"Cut high-beta by 2-3%, add cash",10,14,BrokerC,LMT,89,RegimeShift,Hedge,Volatility spike and breadth deterioration,35,-12,73,4,false,Tax-aware sells next window
P5873,Systematic,IRA,USD,2025-02-09,772734,70477,702257,1.0,60.0,23.1,8.1,8.8,AMZN:13.9%;IEF:21.2%;GLD:23.4%;BND:20.6%;AAPL:20.8%,US:65.4;EU:13.9;APAC:7.4;EM:10.7;Other:2.6,Value:-0.9;Growth:-0.7;Quality:0.0;Size:-0.8;Momentum:-0.4;LowVol:+0.1,MaxPos6%,10,25,4.8,hard 12%,145,18.0,Bull,17.1,3.96,3.2,87,38,54,47,false,Buy,Add to core equity +1%,6,11,BrokerC,VWAP,92,None,None,Normal monitoring,57,-10,61,3,false,Tax-aware sells next window
P5874,Systematic,Taxable,USD,2024-11-30,573154,42313,530841,1.0,60.2,30.1,4.1,5.6,IEF:14.2%;AMZN:18.8%;MSFT:22.3%;TLT:22.3%;HYG:22.3%,US:68.4;EU:14.1;APAC:10.8;EM:3.2;Other:3.5,Value:+0.6;Growth:-0.6;Quality:-0.0;Size:+0.9;Momentum:+0.9;LowVol:-0.8,,8,35,5.0,hard 12%,142,26.2,Bull,16.8,4.46,2.2,116,55,75,40,false,Rebalance,Shift +1% to bonds from equity,4,10,BrokerD,LMT,95,None,None,Normal monitoring,69,5,173,5,false,Tighten stops on momentum names
P5875,Active,IRA,USD,2024-11-19,1313916,126583,1187333,1.0,65.9,22.8,5.4,5.9,AMZN:36.3%;MSFT:27.4%;VNQ:36.3%,US:74.7;EU:5.6;APAC:12.6;EM:6.2;Other:0.9,Value:-0.0;Growth:+1.0;Quality:-0.9;Size:+0.8;Momentum:+0.5;LowVol:-0.6,NoDerivatives,7,25,5.4,trailing 9%,165,19.9,Bull,16.4,4.34,2.7,81,29,75,62,false,Rebalance,Shift +1% to bonds from equity,-13,-16,BrokerB,MKT,90,None,None,Normal monitoring,57,-32,174,3,false,Within IPS guidelines
P5876,Hands-off,Taxable,USD,2024-07-09,425663,34770,390893,1.0,65.7,27.0,0.0,7.3,HYG:24.2%;VNQ:24.2%;QQQ:24.2%;GLD:19.1%;MUB:8.3%,US:65.6;EU:6.6;APAC:13.1;EM:9.4;Other:5.3,Value:+0.4;Growth:-0.7;Quality:-0.4;Size:-0.5;Momentum:-0.6;LowVol:+0.3,NoDerivatives,6,30,5.0,trailing 10%,97,16.3,Bull,11.0,4.34,2.5,95,27,59,48,false,NoAction,Within bands; monitor,35,-15,BrokerC,VWAP,87,None,None,Normal monitoring,46,6,41,3,false,Tighten stops on momentum names
P5877,Active,Roth,USD,2024-09-30,2469895,224002,2245893,1.0,67.7,26.1,0.0,6.2,AMZN:33.3%;XLF:33.3%;VTI:33.3%,US:65.6;EU:9.5;APAC:11.4;EM:10.8;Other:2.7,Value:+0.7;Growth:+0.1;Quality:+1.0;Size:-0.5;Momentum:+0.6;LowVol:+0.7,,7,25,5.4,hard 12%,181,17.3,Bear,30.2,4.31,2.3,144,21,72,84,true,Hedge,Buy index puts 1% notional,-12,-40,BrokerC,VWAP,90,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-53,19,-39,3,false,Tax-aware sells next window
P5878,Cautious,Trust,USD,2025-08-04,784875,101170,683705,1.0,40.6,30.4,14.9,14.0,BND:25.3%;QQQ:14.1%;AMZN:10.0%;BRK.B:25.3%;VTI:25.3%,US:67.5;EU:10.4;APAC:10.9;EM:10.0;Other:1.3,Value:-0.6;Growth:+0.8;Quality:-0.3;Size:+0.3;Momentum:+0.3;LowVol:+0.8,NoMargin,6,35,4.6,trailing 8%,133,18.1,Bull,11.7,4.62,3.0,95,5,62,29,false,Rebalance,Shift +1% to bonds from equity,10,-17,BrokerB,MKT,94,None,None,Normal monitoring,-56,-47,81,3,false,Within IPS guidelines
P5879,Cautious,Taxable,USD,2025-02-03,692146,70996,621150,1.0,37.4,36.1,14.7,11.8,VOO:28.3%;BRK.B:28.3%;TLT:15.2%;VNQ:28.3%,US:59.0;EU:16.3;APAC:9.2;EM:11.4;Other:4.2,Value:0.0;Growth:-0.1;Quality:-0.7;Size:+0.9;Momentum:-0.1;LowVol:+0.5,ESGOnly;MaxPos7%;NoDerivatives;NoMargin,5,35,5.4,hard 10%,120,14.9,Bull,15.2,4.82,2.7,79,83,79,32,false,Rebalance,Shift +1% to bonds from equity,-13,-14,BrokerA,LMT,87,None,None,Normal monitoring,2,-33,-30,3,false,Within IPS guidelines
P5880,Systematic,IRA,USD,2024-08-28,1816692,118609,1698083,1.0,57.8,35.0,1.5,5.8,HYG:28.3%;TSLA:15.0%;TLT:28.3%;MSFT:28.3%,US:73.8;EU:7.0;APAC:11.7;EM:7.2;Other:0.3,Value:-0.7;Growth:-0.9;Quality:-0.8;Size:+0.5;Momentum:-0.2;LowVol:-0.9,MaxPos6%,5,25,5.2,trailing 8%,124,22.6,Volatile,27.9,4.87,2.5,164,55,68,77,true,Hedge,Buy index puts 1% notional,19,-40,BrokerB,LMT,95,Drift>tolerance,Hedge,Allocation drift beyond policy bands,79,-52,114,2,false,Increase defensive factor exposure
P5881,Systematic,Taxable,USD,2025-12-03,1994330,179225,1815105,1.0,55.7,33.0,1.5,9.8,HYG:26.1%;MUB:21.7%;GLD:26.1%;BND:26.1%,US:72.6;EU:8.7;APAC:8.9;EM:9.7;Other:0.2,Value:-0.9;Growth:-0.4;Quality:-0.5;Size:-0.9;Momentum:+0.1;LowVol:-0.9,,8,25,5.7,trailing 9%,171,25.8,Bull,11.5,3.76,3.0,105,91,84,35,false,Sell,Trim extended winner -1%,-6,-19,BrokerA,MKT,85,None,None,Normal monitoring,-18,-21,105,5,false,Monitor dispersion and breadth
P5882,Hands-off,Roth,USD,2025-04-23,407252,17752,389500,1.0,68.0,25.8,0.0,6.2,MSFT:29.7%;AMZN:35.2%;GLD:35.2%,US:70.4;EU:9.0;APAC:5.7;EM:10.3;Other:4.6,Value:-0.2;Growth:-0.9;Quality:-0.7;Size:+0.7;Momentum:+0.6;LowVol:-0.1,ESGOnly;MaxPos7%;NoDerivatives,8,30,5.3,trailing 8%,122,18.7,Bear,32.8,3.1,1.7,166,-98,5,83,true,Hedge,Buy index puts 1% notional,-15,0,BrokerC,VWAP,99,VAR>budget,Reduce,Risk above budget threshold,111,-18,200,3,false,Tax-aware sells next window
P5883,Cautious,401k,USD,2024-09-09,648849,90596,558253,1.0,51.5,32.2,2.4,13.9,BRK.B:22.2%;TSLA:22.2%;MSFT:15.9%;GLD:17.6%;AAPL:22.2%,US:63.6;EU:13.8;APAC:10.5;EM:9.8;Other:2.3,Value:+0.1;Growth:-1.0;Quality:+0.4;Size:+0.3;Momentum:-0.6;LowVol:+0.9,NoDerivatives;NoMargin,6,30,5.5,trailing 8%,101,16.7,Bull,17.3,4.66,2.8,81,19,74,53,false,Sell,Trim extended winner -1%,35,-4,BrokerD,MKT,88,None,None,Normal monitoring,-17,5,-47,3,false,Tax-aware sells next window
P5884,Opportunistic,Trust,USD,2025-01-14,706001,38979,667022,1.15,62.1,21.6,12.0,4.3,GLD:27.4%;AMZN:17.1%;XLF:27.7%;AAPL:27.7%,US:68.8;EU:11.0;APAC:12.2;EM:7.2;Other:0.8,Value:-0.4;Growth:-0.0;Quality:+0.2;Size:-0.9;Momentum:-0.2;LowVol:-0.7,MaxPos5%;NoDerivatives,10,30,6.6,trailing 7%,271,32.1,Bull,17.9,4.32,3.0,87,4,54,47,false,Sell,Trim extended winner -1%,30,6,BrokerA,MKT,99,None,None,Normal monitoring,85,-1,81,4,false,Tax-aware sells next window
P5885,Cautious,Taxable,USD,2025-10-28,228307,20248,208059,1.0,49.2,33.3,7.4,10.1,TLT:33.3%;VTI:33.3%;BRK.B:33.3%,US:67.0;EU:14.6;APAC:7.4;EM:7.6;Other:3.4,Value:-0.9;Growth:-0.2;Quality:+0.3;Size:+0.9;Momentum:-0.1;LowVol:-0.3,NoMargin,6,25,5.0,trailing 8%,165,16.6,Volatile,28.0,4.52,3.0,148,-4,46,58,false,Rebalance,Shift +1% to bonds from equity,-11,-1,BrokerB,MKT,87,None,None,Normal monitoring,90,4,107,3,false,Tax-aware sells next window
P5886,Cautious,Roth,USD,2024-10-15,400420,45972,354448,1.0,46.0,32.5,10.3,11.2,TLT:25.3%;GLD:24.0%;AMZN:25.3%;BRK.B:25.3%,US:70.7;EU:11.0;APAC:8.0;EM:8.7;Other:1.6,Value:+0.5;Growth:+0.8;Quality:-0.2;Size:+0.2;Momentum:-1.0;LowVol:-0.1,NoMargin,6,35,4.1,trailing 8%,92,18.0,Bear,27.1,3.22,2.0,175,-104,5,68,true,Hedge,Buy index puts 1% notional,4,-9,BrokerC,MKT,95,Drift>tolerance,Hedge,Allocation drift beyond policy bands,14,-31,61,3,false,Tighten stops on momentum names
P5887,Systematic,401k,USD,2025-03-18,1707868,127536,1580332,1.0,68.2,25.8,0.0,6.0,TLT:32.3%;TSLA:33.8%;AMZN:33.8%,US:59.5;EU:18.2;APAC:13.0;EM:6.5;Other:2.8,Value:-0.3;Growth:-1.0;Quality:-0.3;Size:-0.8;Momentum:-0.2;LowVol:-0.0,MaxPos8%;NoDerivatives,7,30,4.6,trailing 8%,150,17.2,Sideways,20.0,3.52,3.4,103,-26,50,57,true,Reduce,"Cut high-beta by 2-3%, add cash",28,11,BrokerD,MKT,98,Drift>tolerance,Hedge,Allocation drift beyond policy bands,32,-13,-5,4,false,Monitor dispersion and breadth
P5888,Hands-off,Taxable,USD,2024-11-19,580019,56881,523138,1.0,65.4,26.6,0.0,8.0,BRK.B:25.0%;QQQ:25.0%;MSFT:25.0%;AMZN:25.0%,US:71.7;EU:15.3;APAC:5.0;EM:6.0;Other:2.0,Value:+1.0;Growth:+0.1;Quality:+0.6;Size:-0.8;Momentum:+0.5;LowVol:-0.2,ESGOnly;MaxPos8%,5,30,3.3,hard 10%,113,12.3,Sideways,21.8,4.75,2.6,106,12,52,57,false,Rebalance,Shift +1% to bonds from equity,17,4,BrokerB,LMT,90,None,None,Normal monitoring,93,-49,140,5,false,Monitor dispersion and breadth
P5889,Hands-off,401k,USD,2025-12-08,799438,72200,727238,1.0,66.6,24.9,0.0,8.5,VTI:14.4%;MUB:19.7%;TLT:19.7%;BRK.B:23.1%;QQQ:23.1%,US:59.8;EU:19.2;APAC:11.6;EM:6.2;Other:3.2,Value:-0.4;Growth:-1.0;Quality:+0.9;Size:-0.0;Momentum:+0.5;LowVol:+0.9,ESGOnly;MaxPos6%,10,25,4.8,hard 10%,114,13.5,Volatile,25.4,5.13,4.5,151,37,69,78,true,Reduce,"Cut high-beta by 2-3%, add cash",28,-22,BrokerC,LMT,94,VAR>budget,Reduce,Risk above budget threshold,102,18,223,5,false,Tighten stops on momentum names
P5890,Opportunistic,Roth,USD,2025-09-04,885618,77265,808353,1.16,65.1,10.4,16.9,7.6,IEF:21.2%;AMZN:18.9%;MUB:14.5%;BND:10.3%;BRK.B:13.3%;TSLA:21.7%,US:69.0;EU:9.6;APAC:9.2;EM:5.9;Other:6.2,Value:-0.8;Growth:+0.2;Quality:-0.9;Size:-0.5;Momentum:+0.1;LowVol:+0.1,MaxPos7%,7,30,4.4,trailing 7%,261,21.4,Sideways,14.6,3.56,2.1,123,46,58,44,false,Hedge,Add TLT +1% as duration hedge,17,-13,BrokerA,MKT,100,None,None,Normal monitoring,111,-48,210,5,false,Increase defensive factor exposure
P5891,Opportunistic,IRA,USD,2024-12-23,1057971,50413,1007558,1.0,72.5,11.3,9.2,6.9,VNQ:19.6%;XLF:12.9%;IEF:24.2%;AAPL:19.1%;QQQ:24.2%,US:67.1;EU:9.6;APAC:9.9;EM:12.2;Other:1.2,Value:-0.3;Growth:+0.4;Quality:-0.4;Size:-0.5;Momentum:-0.3;LowVol:-0.7,,6,30,4.4,trailing 9%,271,34.7,Volatile,20.7,4.26,3.3,154,34,82,68,false,Rebalance,Shift +1% to bonds from equity,25,12,BrokerB,LMT,85,None,None,Normal monitoring,83,8,164,4,false,Tax-aware sells next window
P5892,Hands-off,IRA,USD,2025-02-12,179478,14938,164540,1.0,66.0,16.7,8.3,8.9,BND:22.7%;IEF:22.7%;VNQ:22.7%;QQQ:15.2%;TLT:16.7%,US:58.7;EU:18.2;APAC:14.1;EM:6.3;Other:2.7,Value:+0.7;Growth:+0.4;Quality:+0.7;Size:+0.9;Momentum:+0.7;LowVol:+0.5,,5,30,4.6,trailing 8%,170,19.0,Bull,14.7,4.62,3.4,87,19,58,55,false,Buy,Add to core equity +1%,-6,-3,BrokerD,LMT,92,None,None,Normal monitoring,-47,-16,-20,3,false,Tighten stops on momentum names
P5893,Hands-off,Roth,USD,2025-03-02,333030,26127,306903,1.0,64.6,23.1,4.9,7.3,IEF:16.8%;VTI:21.1%;HYG:16.8%;GLD:20.5%;AAPL:17.8%;AMZN:6.9%,US:68.0;EU:14.1;APAC:5.6;EM:8.7;Other:3.6,Value:-0.3;Growth:-0.6;Quality:-0.4;Size:-0.6;Momentum:-0.6;LowVol:-0.9,ESGOnly,7,35,5.6,trailing 8%,140,15.8,Volatile,31.0,4.73,3.2,142,61,84,90,true,Rebalance,Rebalance back to target bands,9,-18,BrokerA,MKT,92,VAR>budget,Hedge,Risk above budget threshold,-30,-37,-64,2,false,Tighten stops on momentum names
P5894,Hands-off,Taxable,USD,2025-11-19,463331,39828,423503,1.0,65.6,22.8,5.5,6.0,AAPL:22.4%;VOO:25.3%;TLT:26.2%;TSLA:26.2%,US:69.1;EU:13.5;APAC:7.6;EM:7.6;Other:2.2,Value:-0.3;Growth:-0.9;Quality:-1.0;Size:+0.4;Momentum:+0.6;LowVol:-0.1,ESGOnly;NoDerivatives,10,30,4.3,trailing 8%,154,16.0,Bear,26.0,4.4,2.9,142,-99,5,78,true,Reduce,"Cut high-beta by 2-3%, add cash",16,-17,BrokerA,LMT,100,VAR>budget,TightenStops,Risk above budget threshold,-43,16,-59,4,false,Within IPS guidelines
P5895,Systematic,Taxable,USD,2024-09-23,1420997,76951,1344046,1.0,62.6,20.1,12.1,5.3,IEF:28.0%;VOO:28.0%;VNQ:15.9%;BRK.B:28.0%,US:66.6;EU:15.1;APAC:11.2;EM:7.0;Other:0.1,Value:+0.6;Growth:-0.2;Quality:+0.7;Size:+0.3;Momentum:+0.3;LowVol:+0.8,,7,30,4.9,trailing 8%,222,26.2,Sideways,15.4,3.96,2.9,132,-22,24,38,false,Sell,Trim extended winner -1%,20,-26,BrokerA,VWAP,88,None,None,Normal monitoring,45,-24,182,5,false,Increase defensive factor exposure
P5896,Hands-off,Trust,USD,2025-12-03,378330,22337,355993,1.0,69.1,23.7,0.0,7.2,BRK.B:27.7%;MUB:27.7%;BND:16.9%;XLF:27.7%,US:72.4;EU:9.1;APAC:8.9;EM:5.2;Other:4.5,Value:-0.2;Growth:-0.6;Quality:+0.3;Size:+0.4;Momentum:-1.0;LowVol:-0.6,ESGOnly;MaxPos6%,8,30,4.7,trailing 8%,97,18.7,Volatile,26.6,4.56,4.2,149,32,68,70,false,Sell,Trim extended winner -1%,9,-16,BrokerC,LMT,90,None,None,Normal monitoring,14,-33,55,3,false,Tax-aware sells next window
P5897,Opportunistic,IRA,USD,2024-11-17,743972,25677,718295,1.24,66.2,15.3,9.8,8.8,HYG:26.8%;AAPL:26.8%;QQQ:26.8%;VOO:19.7%,US:73.8;EU:7.8;APAC:5.9;EM:8.8;Other:3.6,Value:-0.8;Growth:+0.8;Quality:-0.5;Size:-0.5;Momentum:-0.2;LowVol:+0.5,MaxPos7%,5,30,6.0,trailing 9%,221,31.5,Bear,24.2,3.34,1.6,200,-106,5,63,true,Rebalance,Rebalance back to target bands,15,-4,BrokerD,MKT,88,Drift>tolerance,Pause,Allocation drift beyond policy bands,115,-57,237,4,false,Tax-aware sells next window
P5898,Active,IRA,USD,2025-12-12,1121660,94503,1027157,1.0,67.2,22.5,0.7,9.6,XLF:22.6%;VTI:22.6%;AMZN:7.8%;HYG:13.4%;MUB:11.2%;TSLA:22.6%,US:67.4;EU:10.9;APAC:8.9;EM:9.3;Other:3.6,Value:+0.2;Growth:-0.5;Quality:+0.5;Size:-1.0;Momentum:-0.7;LowVol:+0.2,MaxPos8%,8,30,5.6,hard 12%,229,26.8,Bull,14.1,3.95,3.4,89,48,65,47,false,Sell,Trim extended winner -1%,19,-11,BrokerC,MKT,100,None,None,Normal monitoring,-41,11,-76,3,false,Increase defensive factor exposure
P5899,Cautious,IRA,USD,2024-11-12,176596,17160,159436,1.0,42.6,43.0,0.0,14.4,GLD:20.4%;TLT:26.5%;TSLA:26.5%;QQQ:26.5%,US:62.2;EU:17.8;APAC:10.6;EM:5.6;Other:3.8,Value:+0.6;Growth:-0.1;Quality:-0.5;Size:+0.2;Momentum:+0.4;LowVol:-0.2,MaxPos5%;NoMargin,7,35,6.0,trailing 8%,95,13.0,Bull,17.9,3.91,2.3,99,107,95,33,false,Hedge,Add TLT +1% as duration hedge,11,-38,BrokerA,LMT,93,None,None,Normal monitoring,93,-31,178,5,false,Tighten stops on momentum names
P5900,Hands-off,401k,USD,2025-02-25,557066,47324,509742,1.0,60.0,20.2,13.1,6.6,VOO:29.3%;VNQ:35.3%;MUB:35.3%,US:74.3;EU:7.6;APAC:6.3;EM:9.2;Other:2.6,Value:-0.8;Growth:+0.8;Quality:+0.3;Size:-0.5;Momentum:-1.0;LowVol:-0.7,MaxPos7%;NoDerivatives,7,35,3.4,trailing 8%,163,14.7,Bull,11.5,3.62,3.1,116,34,71,42,false,Rebalance,Shift +1% to bonds from equity,19,9,BrokerD,VWAP,100,None,None,Normal monitoring,-34,-41,49,3,false,Within IPS guidelines
P5901,Active,Taxable,USD,2025-06-28,1764542,120674,1643868,1.0,65.3,29.8,0.0,5.0,VOO:20.4%;IEF:20.1%;HYG:21.1%;VTI:18.3%;TLT:20.0%,US:73.8;EU:6.8;APAC:13.6;EM:5.3;Other:0.5,Value:+0.9;Growth:+0.2;Quality:-0.0;Size:-0.1;Momentum:+0.6;LowVol:-0.9,,6,25,5.6,hard 12%,180,21.1,Volatile,31.9,3.87,2.9,162,-11,54,78,true,Hedge,Buy index puts 1% notional,28,-11,BrokerA,LMT,92,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-24,-28,5,2,false,Tighten stops on momentum names
P5902,Cautious,Trust,USD,2025-01-01,682112,80506,601606,1.0,45.0,38.7,0.8,15.5,TSLA:33.3%;MSFT:33.3%;BRK.B:33.3%,US:66.8;EU:18.6;APAC:9.0;EM:4.2;Other:1.4,Value:-0.9;Growth:+0.5;Quality:+1.0;Size:+0.3;Momentum:+0.9;LowVol:+0.1,ESGOnly;NoDerivatives;NoMargin,7,25,3.2,hard 10%,124,17.0,Volatile,30.7,4.3,2.4,133,-11,37,58,false,Rebalance,Shift +1% to bonds from equity,32,-16,BrokerC,VWAP,96,None,None,Normal monitoring,-53,-42,42,4,false,Tighten stops on momentum names
P5903,Systematic,Taxable,USD,2025-09-24,721310,41569,679741,1.0,67.2,21.9,5.4,5.5,VTI:26.3%;VNQ:18.1%;VOO:18.2%;AAPL:15.9%;MUB:21.5%,US:65.9;EU:11.6;APAC:11.7;EM:9.6;Other:1.3,Value:+0.3;Growth:-0.1;Quality:-0.1;Size:+0.5;Momentum:+0.2;LowVol:-0.4,,7,25,5.0,trailing 8%,120,24.6,Sideways,15.0,4.21,2.4,111,40,75,40,false,Sell,Trim extended winner -1%,10,-16,BrokerB,LMT,100,None,None,Normal monitoring,43,-44,154,3,false,Tighten stops on momentum names
P5904,Opportunistic,Trust,USD,2025-09-04,478053,38310,439743,1.11,61.0,15.7,18.3,5.0,BND:23.1%;AMZN:23.1%;BRK.B:23.1%;VNQ:15.8%;AAPL:14.8%,US:59.3;EU:18.5;APAC:13.8;EM:7.7;Other:0.6,Value:-0.4;Growth:-0.3;Quality:-0.6;Size:+0.2;Momentum:-0.5;LowVol:+0.7,MaxPos6%,7,35,6.3,trailing 7%,216,27.9,Bull,15.9,3.85,3.0,105,113,100,56,false,Buy,Add to core equity +1%,17,-2,BrokerD,MKT,100,None,None,Normal monitoring,90,-2,194,5,false,Tax-aware sells next window
P5905,Cautious,Trust,USD,2025-10-14,629372,54120,575252,1.0,41.7,32.9,9.4,16.1,VNQ:34.5%;GLD:31.0%;AAPL:34.5%,US:63.6;EU:16.9;APAC:11.8;EM:4.3;Other:3.5,Value:+0.7;Growth:+0.1;Quality:-0.6;Size:+0.8;Momentum:+0.8;LowVol:+1.0,ESGOnly;MaxPos6%;NoMargin,6,30,5.0,hard 10%,127,15.9,Sideways,19.2,4.93,2.2,109,-20,38,50,false,Sell,Trim extended winner -1%,-3,-38,BrokerD,LMT,100,None,None,Normal monitoring,-53,-23,-88,3,false,Within IPS guidelines
P5906,Active,IRA,USD,2024-08-11,641778,65039,576739,1.0,55.7,27.7,7.4,9.2,BND:20.2%;AMZN:22.0%;IEF:11.5%;TSLA:23.1%;VOO:23.1%,US:69.8;EU:6.8;APAC:10.1;EM:9.5;Other:3.7,Value:+0.4;Growth:+0.6;Quality:-0.8;Size:-0.9;Momentum:+1.0;LowVol:+0.2,MaxPos6%,7,25,4.1,trailing 9%,160,26.8,Volatile,29.0,5.09,3.6,165,75,81,72,true,Hedge,Buy index puts 1% notional,8,3,BrokerD,VWAP,93,VAR>budget,TightenStops,Risk above budget threshold,92,-34,189,5,false,Within IPS guidelines
P5907,Hands-off,IRA,USD,2024-12-06,371381,34533,336848,1.0,60.3,22.4,11.4,5.8,VNQ:18.5%;AAPL:18.4%;AMZN:9.6%;IEF:20.3%;TLT:12.9%;MSFT:20.3%,US:62.7;EU:9.4;APAC:14.5;EM:12.4;Other:1.0,Value:+0.2;Growth:+1.0;Quality:-0.1;Size:-0.8;Momentum:-0.1;LowVol:-0.7,ESGOnly;MaxPos7%,5,35,4.7,trailing 10%,165,14.3,Volatile,20.5,4.28,3.7,142,20,50,53,false,NoAction,Within bands; monitor,6,-35,BrokerB,VWAP,98,None,None,Normal monitoring,111,12,120,3,false,Increase defensive factor exposure
P5908,Hands-off,401k,USD,2025-03-21,786430,33413,753017,1.0,65.4,22.4,4.8,7.4,MSFT:8.4%;AMZN:22.2%;IEF:15.2%;GLD:17.1%;VNQ:15.0%;AAPL:22.2%,US:68.0;EU:15.5;APAC:9.0;EM:5.7;Other:1.9,Value:-0.5;Growth:-0.2;Quality:-0.2;Size:-0.9;Momentum:-0.0;LowVol:-0.3,ESGOnly;NoDerivatives,8,35,5.0,trailing 8%,129,15.2,Bull,17.4,3.67,2.5,87,18,54,46,false,Buy,Add to core equity +1%,20,3,BrokerC,MKT,87,None,None,Normal monitoring,52,11,140,4,false,Within IPS guidelines
P5909,Cautious,Taxable,USD,2025-01-14,150061,13225,136836,1.0,52.2,32.5,2.7,12.6,TSLA:27.4%;BND:36.3%;AAPL:36.3%,US:68.5;EU:17.0;APAC:7.8;EM:5.5;Other:1.2,Value:-0.7;Growth:-0.6;Quality:+0.7;Size:+0.3;Momentum:-0.1;LowVol:-0.2,MaxPos8%;NoMargin,8,25,4.8,trailing 8%,92,19.6,Volatile,21.3,3.99,3.9,168,-31,25,56,false,Rebalance,Shift +1% to bonds from equity,11,8,BrokerB,MKT,87,None,None,Normal monitoring,42,-23,16,5,false,Tax-aware sells next window
P5910,Active,Roth,USD,2025-10-11,1946233,227600,1718633,1.0,53.0,26.0,13.2,7.8,VTI:15.7%;TLT:20.5%;MSFT:15.2%;TSLA:20.7%;AAPL:20.7%;GLD:7.3%,US:69.7;EU:13.3;APAC:6.3;EM:9.2;Other:1.5,Value:-0.7;Growth:+0.1;Quality:+0.6;Size:-0.9;Momentum:-0.3;LowVol:-0.2,NoDerivatives,5,25,4.6,hard 12%,157,16.6,Sideways,19.4,4.31,3.4,121,49,65,49,false,Sell,Trim extended winner -1%,-2,-18,BrokerC,MKT,86,None,None,Normal monitoring,-13,-19,1,3,false,Monitor dispersion and breadth
P5911,Active,Taxable,USD,2025-12-16,1850078,205848,1644230,1.0,61.0,25.2,8.1,5.7,VOO:23.6%;HYG:25.5%;MSFT:25.5%;AAPL:25.5%,US:71.8;EU:8.5;APAC:12.3;EM:4.0;Other:3.4,Value:-0.9;Growth:-0.0;Quality:0.0;Size:-0.7;Momentum:-0.7;LowVol:-0.1,,6,30,5.7,trailing 8%,207,21.7,Bull,14.4,3.85,2.3,117,96,84,36,false,Rebalance,Shift +1% to bonds from equity,-5,1,BrokerA,LMT,92,None,None,Normal monitoring,116,4,180,5,false,Within IPS guidelines
P5912,Cautious,Trust,USD,2025-06-24,404798,38302,366496,1.0,48.8,36.1,0.0,15.1,IEF:16.8%;TLT:11.3%;XLF:20.0%;AMZN:19.5%;GLD:18.9%;MSFT:13.5%,US:65.4;EU:17.6;APAC:8.0;EM:8.1;Other:0.8,Value:-0.3;Growth:-0.9;Quality:-0.4;Size:+0.2;Momentum:-0.7;LowVol:+0.9,NoMargin,5,35,3.6,trailing 10%,115,19.3,Volatile,31.5,4.34,3.4,138,-58,31,82,true,Reduce,"Cut high-beta by 2-3%, add cash",21,9,BrokerC,MKT,89,Drift>tolerance,Hedge,Allocation drift beyond policy bands,94,7,54,5,true,Tax-aware sells next window
P5913,Cautious,Taxable,USD,2024-10-10,472120,45691,426429,1.0,39.2,41.2,6.7,12.9,XLF:28.6%;MSFT:14.3%;TSLA:28.4%;TLT:28.6%,US:70.3;EU:10.3;APAC:12.2;EM:6.3;Other:0.9,Value:-0.9;Growth:-0.1;Quality:+0.6;Size:+0.6;Momentum:-0.4;LowVol:+1.0,MaxPos6%;NoMargin,10,35,4.3,trailing 10%,130,16.5,Volatile,22.6,5.31,2.9,178,40,75,39,false,Rebalance,Shift +1% to bonds from equity,-1,-30,BrokerD,LMT,87,None,None,Normal monitoring,63,12,163,4,false,Within IPS guidelines
P5914,Opportunistic,Trust,USD,2024-07-04,690262,44723,645539,1.0,61.9,18.4,12.9,6.7,VTI:33.3%;GLD:33.3%;VNQ:33.3%,US:69.0;EU:10.2;APAC:14.7;EM:5.2;Other:0.9,Value:+0.2;Growth:-0.3;Quality:-0.8;Size:-0.4;Momentum:-0.5;LowVol:+0.2,,8,30,4.6,trailing 9%,237,26.6,Bull,14.1,4.18,2.6,110,10,49,45,false,Buy,Add to core equity +1%,33,-12,BrokerA,LMT,85,None,None,Normal monitoring,96,-22,235,4,false,Within IPS guidelines
P5915,Systematic,Taxable,USD,2025-03-20,1485436,122070,1363366,1.0,62.0,29.1,3.3,5.6,VNQ:10.8%;TSLA:21.3%;AMZN:15.5%;BRK.B:19.9%;VOO:19.9%;BND:12.6%,US:66.8;EU:18.1;APAC:7.1;EM:3.2;Other:4.8,Value:-0.2;Growth:-0.7;Quality:+0.2;Size:+0.3;Momentum:+0.3;LowVol:-0.3,,6,25,5.3,trailing 8%,144,23.1,Bear,28.8,3.14,1.8,171,-13,57,69,true,Hedge,Buy index puts 1% notional,1,-40,BrokerA,LMT,88,Drift>tolerance,Reduce,Allocation drift beyond policy bands,16,16,61,3,false,Tighten stops on momentum names
P5916,Opportunistic,Trust,USD,2024-07-26,1552027,56191,1495836,1.0,69.0,10.8,13.6,6.6,TSLA:21.5%;BND:14.6%;MSFT:23.5%;AMZN:17.0%;VTI:23.5%,US:58.5;EU:18.0;APAC:7.3;EM:12.8;Other:3.5,Value:+0.8;Growth:-0.1;Quality:+0.8;Size:+0.9;Momentum:-0.1;LowVol:+0.7,,8,35,5.7,trailing 7%,194,27.4,Bull,16.2,4.68,2.3,86,101,97,58,true,Hedge,Buy index puts 1% notional,12,-16,BrokerC,MKT,92,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-32,-16,-6,3,true,Tax-aware sells next window
P5917,Opportunistic,Roth,USD,2025-08-13,694306,47487,646819,1.0,74.4,12.0,7.3,6.3,VTI:18.6%;GLD:27.1%;BRK.B:27.1%;VOO:27.1%,US:61.4;EU:14.2;APAC:13.0;EM:9.6;Other:1.9,Value:+0.8;Growth:+0.6;Quality:+0.7;Size:+0.8;Momentum:-0.2;LowVol:+0.4,MaxPos5%,7,25,5.7,hard 12%,204,21.2,Bull,15.0,4.48,2.0,73,116,100,52,false,Sell,Trim extended winner -1%,8,10,BrokerD,MKT,89,None,None,Normal monitoring,33,-60,21,3,false,Monitor dispersion and breadth
P5918,Active,Taxable,USD,2025-10-20,2252901,175961,2076940,1.0,61.9,23.2,7.5,7.3,MUB:20.6%;QQQ:19.9%;AMZN:15.0%;MSFT:6.2%;XLF:18.1%;VTI:20.3%,US:77.8;EU:9.4;APAC:5.8;EM:5.0;Other:2.0,Value:-0.4;Growth:+0.6;Quality:-0.5;Size:+0.1;Momentum:-0.6;LowVol:-0.0,,5,25,5.2,trailing 8%,198,25.7,Volatile,30.4,5.33,2.6,167,77,100,68,false,NoAction,Within bands; monitor,16,-13,BrokerB,MKT,0,None,None,Normal monitoring,-3,-48,54,5,false,Monitor dispersion and breadth
P5919,Cautious,Roth,USD,2025-02-21,228704,18865,209839,1.0,50.6,30.3,7.0,12.1,BND:26.5%;TSLA:26.5%;IEF:26.5%;VTI:20.5%,US:69.0;EU:15.4;APAC:6.0;EM:6.8;Other:2.7,Value:-0.7;Growth:-0.0;Quality:-0.3;Size:+0.5;Momentum:-0.1;LowVol:+0.6,ESGOnly;NoMargin,5,25,5.1,trailing 8%,159,13.1,Bull,16.4,4.99,2.3,105,76,98,52,false,NoAction,Within bands; monitor,9,-12,BrokerD,MKT,0,None,None,Normal monitoring,22,8,93,5,false,Within IPS guidelines
P5920,Opportunistic,Roth,USD,2025-03-18,1207152,53777,1153375,1.0,66.8,11.2,14.5,7.5,VTI:23.3%;MUB:23.3%;MSFT:9.0%;VNQ:21.2%;BRK.B:23.3%,US:61.7;EU:11.4;APAC:14.1;EM:8.7;Other:4.1,Value:+0.6;Growth:+0.6;Quality:0.0;Size:-0.3;Momentum:+0.1;LowVol:+0.1,,7,25,4.3,trailing 7%,179,34.2,Volatile,26.4,3.98,2.1,132,41,56,65,false,NoAction,Within bands; monitor,29,-32,BrokerC,MKT,0,None,None,Normal monitoring,35,-18,59,5,false,Increase defensive factor exposure
P5921,Opportunistic,401k,USD,2025-11-05,869122,66536,802586,1.0,63.1,18.9,10.9,7.1,AMZN:19.9%;TLT:18.5%;BRK.B:21.0%;VNQ:21.0%;VTI:19.5%,US:66.2;EU:12.3;APAC:5.8;EM:11.3;Other:4.4,Value:+0.1;Growth:+0.7;Quality:+0.7;Size:-0.4;Momentum:+0.1;LowVol:-0.2,MaxPos8%,5,35,4.0,trailing 9%,258,30.3,Bull,14.7,4.09,2.4,87,26,78,44,false,Buy,Add to core equity +1%,-2,-13,BrokerA,VWAP,94,None,None,Normal monitoring,77,-36,202,5,false,Tax-aware sells next window
P5922,Active,401k,USD,2024-08-07,2305831,243605,2062226,1.14,66.5,27.3,0.0,6.2,MUB:19.1%;VOO:17.9%;AAPL:20.2%;AMZN:21.0%;HYG:21.8%,US:68.2;EU:15.8;APAC:5.4;EM:6.4;Other:4.1,Value:-0.3;Growth:-0.1;Quality:-0.1;Size:+0.3;Momentum:+0.8;LowVol:+0.2,,7,35,6.0,trailing 8%,142,24.4,Bull,16.1,3.9,2.7,114,105,100,58,false,Buy,Add to core equity +1%,31,-23,BrokerD,MKT,93,None,None,Normal monitoring,51,17,109,3,false,Monitor dispersion and breadth
P5923,Hands-off,Trust,USD,2025-08-13,785112,69144,715968,1.0,69.2,16.7,6.7,7.4,BND:22.9%;VNQ:22.9%;MSFT:9.5%;VOO:8.4%;XLF:21.0%;HYG:15.4%,US:66.1;EU:12.9;APAC:10.8;EM:5.3;Other:4.9,Value:+0.6;Growth:+0.4;Quality:+0.2;Size:+0.1;Momentum:+0.3;LowVol:+0.5,MaxPos6%,7,25,5.6,trailing 8%,163,18.1,Sideways,17.6,4.58,2.8,105,4,48,53,false,Hedge,Add TLT +1% as duration hedge,24,-14,BrokerD,LMT,99,None,None,Normal monitoring,-42,8,-44,3,false,Increase defensive factor exposure
P5924,Hands-off,IRA,USD,2025-02-17,209194,18251,190943,1.0,69.7,25.6,0.0,4.7,TLT:22.2%;MUB:16.9%;BRK.B:22.2%;GLD:16.3%;AMZN:22.2%,US:67.5;EU:11.1;APAC:9.5;EM:9.9;Other:2.1,Value:-0.0;Growth:-0.3;Quality:-0.2;Size:-0.7;Momentum:+0.8;LowVol:-0.2,ESGOnly;NoDerivatives,10,35,5.4,hard 10%,97,17.4,Sideways,16.1,3.69,2.1,99,41,85,51,false,Buy,Add to core equity +1%,1,-31,BrokerC,MKT,85,None,None,Normal monitoring,30,-10,100,3,false,Tighten stops on momentum names
P5925,Systematic,IRA,USD,2025-10-26,1035284,101045,934239,1.0,60.6,30.3,0.0,9.1,BRK.B:12.3%;IEF:7.0%;VNQ:21.0%;BND:18.9%;AMZN:21.0%;MUB:19.8%,US:67.0;EU:12.1;APAC:11.9;EM:7.5;Other:1.6,Value:-0.4;Growth:-0.5;Quality:-0.8;Size:-0.4;Momentum:0.0;LowVol:-0.7,,6,30,5.2,trailing 9%,127,19.9,Bear,29.0,3.83,1.7,209,-86,5,67,false,Buy,Add to core equity +1%,1,13,BrokerD,MKT,97,None,None,Normal monitoring,100,-54,209,3,false,Increase defensive factor exposure
P5926,Cautious,401k,USD,2025-05-10,536638,84601,452037,1.0,49.5,38.5,0.0,12.1,MSFT:33.3%;QQQ:33.3%;BRK.B:33.3%,US:72.5;EU:5.5;APAC:7.4;EM:11.0;Other:3.7,Value:+0.8;Growth:-0.7;Quality:+0.4;Size:-0.9;Momentum:-0.6;LowVol:+0.8,ESGOnly;NoDerivatives;NoMargin,6,35,3.7,trailing 8%,150,19.6,Volatile,26.2,5.02,4.3,134,2,37,55,false,Rebalance,Shift +1% to bonds from equity,11,-14,BrokerB,LMT,93,None,None,Normal monitoring,116,-35,103,3,false,Monitor dispersion and breadth
P5927,Active,Taxable,USD,2025-08-08,1481469,162875,1318594,1.17,54.2,18.9,21.9,5.0,VOO:24.7%;VNQ:25.6%;AAPL:25.6%;BND:24.1%,US:61.1;EU:16.5;APAC:11.4;EM:5.3;Other:5.7,Value:+1.0;Growth:+1.0;Quality:-0.9;Size:-0.0;Momentum:-0.7;LowVol:-0.1,NoDerivatives,7,30,5.4,trailing 8%,207,18.4,Sideways,16.1,3.68,2.2,121,25,59,35,false,Buy,Add to core equity +1%,3,-32,BrokerA,MKT,88,None,None,Normal monitoring,4,-34,109,3,false,Within IPS guidelines
P5928,Hands-off,401k,USD,2025-06-05,597546,43449,554097,1.0,67.0,25.2,0.0,7.8,BRK.B:29.1%;BND:29.1%;VTI:29.1%;XLF:12.6%,US:71.8;EU:10.0;APAC:11.1;EM:6.9;Other:0.2,Value:+0.1;Growth:+0.9;Quality:0.0;Size:+0.9;Momentum:+0.7;LowVol:+0.2,,7,35,3.8,hard 10%,156,15.6,Bull,15.7,3.68,2.1,78,80,78,55,false,Buy,Add to core equity +1%,33,-8,BrokerA,LMT,97,None,None,Normal monitoring,-54,-42,-79,4,false,Within IPS guidelines
P5929,Opportunistic,401k,USD,2024-12-22,1554134,81404,1472730,1.0,68.5,16.6,9.1,5.8,BRK.B:33.3%;MUB:33.3%;AAPL:33.3%,US:70.4;EU:7.6;APAC:12.3;EM:5.6;Other:4.2,Value:+0.2;Growth:+0.6;Quality:+0.1;Size:0.0;Momentum:+0.7;LowVol:+0.5,,6,25,6.2,hard 12%,207,33.4,Bear,27.4,4.22,1.1,141,-118,5,79,true,Rebalance,Rebalance back to target bands,10,-38,BrokerD,LMT,87,VAR>budget,Hedge,Risk above budget threshold,4,-38,105,4,false,Tighten stops on momentum names
P5930,Active,401k,USD,2025-03-21,882983,95790,787193,1.0,56.1,19.9,18.7,5.3,QQQ:14.1%;MSFT:23.6%;AMZN:15.2%;TSLA:23.6%;VOO:23.6%,US:63.7;EU:17.4;APAC:8.7;EM:6.6;Other:3.5,Value:+0.1;Growth:+0.7;Quality:+0.6;Size:-0.4;Momentum:-0.8;LowVol:-0.8,MaxPos5%,7,35,5.1,hard 12%,147,26.4,Sideways,18.9,4.97,3.4,90,25,56,47,false,Sell,Trim extended winner -1%,27,-38,BrokerD,LMT,90,None,None,Normal monitoring,104,17,233,5,false,Monitor dispersion and breadth
P5931,Active,Trust,USD,2024-12-03,1979760,232149,1747611,1.24,54.5,18.7,20.2,6.6,GLD:17.6%;HYG:16.2%;TSLA:21.2%;XLF:8.4%;BRK.B:15.3%;MSFT:21.2%,US:60.5;EU:17.5;APAC:14.7;EM:5.7;Other:1.6,Value:-0.5;Growth:+0.1;Quality:-0.5;Size:-0.9;Momentum:+0.2;LowVol:-1.0,MaxPos7%;NoDerivatives,10,35,4.1,trailing 9%,124,17.7,Volatile,28.5,4.02,2.6,149,48,59,62,false,Rebalance,Shift +1% to bonds from equity,-7,-26,BrokerA,MKT,100,None,None,Normal monitoring,-57,-8,62,5,false,Tax-aware sells next window
P5932,Systematic,Trust,USD,2024-07-22,471413,32422,438991,1.0,60.5,31.1,0.0,8.4,IEF:11.2%;VNQ:20.9%;AMZN:18.5%;BRK.B:18.0%;XLF:13.5%;GLD:17.9%,US:76.9;EU:7.3;APAC:4.9;EM:7.4;Other:3.5,Value:-0.8;Growth:+0.2;Quality:-0.8;Size:+0.8;Momentum:-0.2;LowVol:-0.6,,10,30,4.5,trailing 9%,130,16.3,Sideways,20.3,3.88,3.4,129,-6,62,48,false,Hedge,Add TLT +1% as duration hedge,9,-26,BrokerD,LMT,92,None,None,Normal monitoring,13,-9,102,5,false,Monitor dispersion and breadth
P5933,Active,Taxable,USD,2025-10-07,1834686,140365,1694321,1.0,57.1,29.8,5.8,7.2,VOO:30.6%;VNQ:34.7%;VTI:34.7%,US:68.1;EU:15.2;APAC:7.6;EM:4.8;Other:4.2,Value:-0.7;Growth:-0.5;Quality:-0.7;Size:-0.4;Momentum:+0.4;LowVol:-0.3,,5,30,4.1,trailing 9%,169,22.9,Bull,13.3,4.1,3.2,73,28,51,33,false,Buy,Add to core equity +1%,3,-15,BrokerD,MKT,94,None,None,Normal monitoring,-33,-57,15,3,false,Tighten stops on momentum names
P5934,Cautious,Trust,USD,2024-09-23,501720,71366,430354,1.0,44.5,44.8,0.0,10.7,AAPL:28.6%;MSFT:14.1%;HYG:28.6%;VOO:28.6%,US:63.8;EU:17.6;APAC:11.8;EM:4.1;Other:2.7,Value:-0.8;Growth:+0.6;Quality:-0.2;Size:+0.7;Momentum:+0.4;LowVol:+0.8,NoDerivatives;NoMargin,7,30,5.6,trailing 10%,124,19.8,Sideways,19.6,4.78,2.3,109,-4,58,49,false,Sell,Trim extended winner -1%,17,-10,BrokerC,LMT,93,None,None,Normal monitoring,-10,6,-20,5,false,Tighten stops on momentum names
P5935,Cautious,Roth,USD,2025-05-07,545198,64695,480503,1.0,47.7,42.0,0.0,10.3,BRK.B:33.3%;GLD:33.3%;AMZN:33.3%,US:68.3;EU:8.4;APAC:15.8;EM:7.1;Other:0.4,Value:+0.4;Growth:-0.7;Quality:-0.5;Size:0.0;Momentum:+0.5;LowVol:+0.6,NoMargin,5,35,4.5,trailing 8%,96,19.5,Volatile,23.8,5.23,4.2,178,-26,25,53,false,Rebalance,Shift +1% to bonds from equity,-12,2,BrokerC,VWAP,91,None,None,Normal monitoring,11,-39,78,4,false,Monitor dispersion and breadth
P5936,Systematic,IRA,USD,2024-12-23,1056291,88972,967319,1.0,57.9,23.1,12.6,6.3,GLD:16.2%;HYG:17.9%;QQQ:16.3%;AAPL:20.2%;MSFT:15.1%;VNQ:14.3%,US:65.9;EU:13.0;APAC:13.2;EM:7.2;Other:0.8,Value:-0.5;Growth:+0.2;Quality:-0.6;Size:-0.7;Momentum:+0.9;LowVol:-0.5,,10,25,4.2,hard 12%,132,25.0,Bull,13.5,3.96,3.1,84,33,53,36,false,Rebalance,Shift +1% to bonds from equity,11,3,BrokerA,MKT,93,None,None,Normal monitoring,109,-43,145,5,false,Monitor dispersion and breadth
P5937,Cautious,401k,USD,2024-11-08,576284,75639,500645,1.0,46.4,37.2,0.0,16.3,BRK.B:20.9%;TLT:23.4%;VNQ:23.4%;IEF:23.4%;XLF:8.8%,US:60.5;EU:15.5;APAC:11.6;EM:9.3;Other:3.1,Value:+0.5;Growth:+0.6;Quality:-0.7;Size:+0.9;Momentum:-0.1;LowVol:+0.1,NoMargin,6,25,4.3,trailing 8%,167,17.4,Bull,17.9,3.67,2.8,77,34,54,35,false,NoAction,Within bands; monitor,-1,-22,BrokerC,MKT,0,None,None,Normal monitoring,29,-53,5,5,false,Monitor dispersion and breadth
P5938,Hands-off,Taxable,USD,2025-02-11,864438,37211,827227,1.0,63.3,23.2,5.6,8.0,BND:33.3%;HYG:33.3%;TSLA:33.3%,US:56.4;EU:20.3;APAC:8.0;EM:12.4;Other:2.9,Value:+0.5;Growth:-0.9;Quality:+0.2;Size:-0.8;Momentum:+0.3;LowVol:-0.6,ESGOnly,6,25,3.4,trailing 8%,140,14.3,Sideways,21.1,3.56,2.1,119,49,71,60,false,NoAction,Within bands; monitor,35,0,BrokerC,LMT,97,None,None,Normal monitoring,37,-51,100,5,false,Increase defensive factor exposure
P5939,Cautious,Taxable,USD,2025-08-24,753574,61989,691585,1.0,50.6,32.7,5.0,11.7,AAPL:33.3%;TLT:33.3%;BRK.B:33.3%,US:58.6;EU:21.9;APAC:14.8;EM:3.8;Other:0.9,Value:+0.2;Growth:+0.6;Quality:-0.9;Size:0.0;Momentum:+0.7;LowVol:+0.3,ESGOnly;NoMargin,10,35,3.8,hard 10%,137,19.1,Bull,16.7,3.57,2.8,95,85,100,52,false,Hedge,Add TLT +1% as duration hedge,15,-11,BrokerB,LMT,100,None,None,Normal monitoring,-15,-36,60,3,false,Within IPS guidelines
P5940,Cautious,Taxable,USD,2025-05-27,825143,101205,723938,1.0,44.2,40.6,0.0,15.2,BRK.B:18.9%;VNQ:9.0%;TSLA:7.5%;MSFT:21.6%;AMZN:21.4%;TLT:21.6%,US:70.0;EU:9.1;APAC:10.7;EM:4.6;Other:5.5,Value:-0.7;Growth:-0.4;Quality:-0.5;Size:+0.1;Momentum:-0.2;LowVol:0.0,NoMargin,10,30,3.1,hard 10%,150,13.6,Bull,13.7,4.18,2.5,74,10,65,26,false,Sell,Trim extended winner -1%,-14,-36,BrokerB,LMT,96,None,None,Normal monitoring,-28,-7,82,4,false,Tighten stops on momentum names
P5941,Cautious,Taxable,USD,2025-08-04,536161,74896,461265,1.0,46.5,30.4,9.7,13.5,GLD:6.2%;TLT:20.2%;MSFT:12.9%;QQQ:18.3%;HYG:21.2%;VTI:21.2%,US:58.4;EU:15.1;APAC:11.7;EM:10.7;Other:4.1,Value:-0.6;Growth:-0.4;Quality:+0.3;Size:-0.4;Momentum:-0.6;LowVol:+0.5,ESGOnly;MaxPos6%;NoMargin,5,30,3.4,trailing 10%,95,19.2,Sideways,14.8,4.53,2.5,140,-30,48,36,false,Sell,Trim extended winner -1%,1,-7,BrokerB,LMT,100,None,None,Normal monitoring,-27,-59,7,3,false,Within IPS guidelines
P5942,Cautious,Trust,USD,2025-12-14,739315,93792,645523,1.0,40.4,42.7,0.0,16.9,MSFT:25.0%;IEF:25.0%;GLD:25.0%;VOO:25.0%,US:65.4;EU:13.2;APAC:9.7;EM:11.5;Other:0.1,Value:-0.7;Growth:+0.7;Quality:-0.7;Size:-0.2;Momentum:+0.4;LowVol:-0.1,ESGOnly;MaxPos5%;NoMargin,10,25,4.3,hard 10%,130,14.4,Bull,11.3,4.7,2.3,89,18,72,24,false,Buy,Add to core equity +1%,-6,-12,BrokerB,LMT,88,None,None,Normal monitoring,-25,1,60,3,false,Tax-aware sells next window
P5943,Opportunistic,Roth,USD,2025-03-27,1380454,79851,1300603,1.0,63.7,18.0,11.6,6.8,VTI:20.9%;BRK.B:14.8%;BND:11.7%;VOO:21.5%;AMZN:9.6%;MUB:21.5%,US:70.7;EU:8.6;APAC:13.9;EM:5.2;Other:1.7,Value:+0.3;Growth:+0.3;Quality:+0.7;Size:+0.3;Momentum:-1.0;LowVol:+0.9,MaxPos5%,8,25,4.5,hard 12%,258,33.0,Bull,16.1,3.73,3.5,70,110,100,50,false,Rebalance,Shift +1% to bonds from equity,0,-36,BrokerB,VWAP,97,None,None,Normal monitoring,19,-25,65,4,false,Tighten stops on momentum names
P5944,Cautious,Taxable,USD,2024-07-31,505253,67872,437381,1.0,53.0,30.9,0.0,16.1,GLD:17.8%;AAPL:8.3%;VTI:21.6%;IEF:19.9%;TSLA:16.8%;BRK.B:15.5%,US:56.6;EU:21.6;APAC:13.8;EM:6.8;Other:1.2,Value:-0.1;Growth:+0.9;Quality:+0.8;Size:-0.5;Momentum:+0.8;LowVol:-0.7,NoMargin,6,25,5.7,trailing 8%,169,14.1,Volatile,30.2,4.42,4.5,170,36,71,63,false,Sell,Trim extended winner -1%,-12,-20,BrokerB,LMT,89,None,None,Normal monitoring,84,-47,186,3,false,Within IPS guidelines
P5945,Cautious,401k,USD,2025-05-03,870579,119518,751061,1.0,53.5,33.3,0.0,13.2,XLF:33.3%;BRK.B:33.3%;VOO:33.3%,US:70.9;EU:7.3;APAC:15.5;EM:5.5;Other:0.9,Value:+0.7;Growth:-0.3;Quality:-0.3;Size:+0.6;Momentum:-0.3;LowVol:-0.6,MaxPos6%;NoDerivatives;NoMargin,8,35,4.2,trailing 10%,149,17.5,Volatile,23.4,4.86,2.9,154,49,60,59,false,Rebalance,Shift +1% to bonds from equity,11,-16,BrokerC,MKT,95,None,None,Normal monitoring,21,17,52,4,false,Monitor dispersion and breadth
P5946,Cautious,Taxable,USD,2024-12-18,159092,19370,139722,1.0,51.0,32.8,0.0,16.1,HYG:21.4%;VTI:21.4%;TSLA:18.2%;IEF:17.7%;VNQ:21.4%,US:66.0;EU:10.4;APAC:8.1;EM:13.2;Other:2.3,Value:+0.7;Growth:-0.5;Quality:-0.6;Size:-0.3;Momentum:-0.7;LowVol:-0.7,ESGOnly;MaxPos8%;NoDerivatives;NoMargin,5,30,4.6,hard 10%,91,18.1,Bear,31.4,3.28,2.5,190,-116,5,69,false,Buy,Add to core equity +1%,33,13,BrokerD,LMT,87,None,None,Normal monitoring,49,-11,82,5,false,Within IPS guidelines
P5947,Cautious,Trust,USD,2025-04-24,567118,49858,517260,1.0,51.8,36.5,0.0,11.7,HYG:24.7%;BND:24.7%;TSLA:17.2%;XLF:8.7%;QQQ:24.7%,US:67.2;EU:7.6;APAC:11.2;EM:11.0;Other:2.9,Value:+0.7;Growth:+0.5;Quality:+0.1;Size:+0.6;Momentum:-0.4;LowVol:-0.9,ESGOnly;MaxPos6%;NoMargin,10,30,5.7,trailing 8%,90,18.5,Bear,24.9,4.26,2.8,130,3,47,65,false,Hedge,Add TLT +1% as duration hedge,6,-6,BrokerB,MKT,87,None,None,Normal monitoring,17,-3,79,4,false,Increase defensive factor exposure
P5948,Opportunistic,Taxable,USD,2025-05-11,646218,42918,603300,1.0,66.1,14.5,14.5,4.9,HYG:21.3%;MUB:6.2%;XLF:12.0%;AMZN:20.2%;GLD:21.3%;QQQ:19.1%,US:74.0;EU:11.4;APAC:6.4;EM:4.1;Other:4.1,Value:-1.0;Growth:+0.7;Quality:-0.6;Size:+0.9;Momentum:+0.3;LowVol:-0.3,,10,30,4.8,trailing 7%,219,28.4,Bear,33.6,3.91,2.7,164,-28,35,80,true,Hedge,Buy index puts 1% notional,-12,8,BrokerC,LMT,86,VAR>budget,TightenStops,Risk above budget threshold,103,-33,164,4,false,Tighten stops on momentum names
P5949,Hands-off,401k,USD,2025-01-07,534893,32558,502335,1.0,62.8,20.3,11.3,5.6,HYG:33.3%;QQQ:33.3%;XLF:33.3%,US:65.9;EU:15.6;APAC:10.0;EM:6.2;Other:2.3,Value:-0.5;Growth:-0.7;Quality:0.0;Size:-0.2;Momentum:+1.0;LowVol:-0.6,MaxPos7%,6,25,3.4,hard 10%,162,12.2,Volatile,20.4,5.22,3.6,133,-59,21,49,false,Buy,Add to core equity +1%,14,-33,BrokerB,MKT,88,None,None,Normal monitoring,11,-37,150,4,false,Tighten stops on momentum names
P5950,Active,Roth,USD,2025-09-20,1924287,178783,1745504,1.0,63.4,30.2,1.4,5.1,GLD:33.3%;IEF:33.3%;VOO:33.3%,US:65.5;EU:17.4;APAC:8.1;EM:5.7;Other:3.3,Value:+0.4;Growth:0.0;Quality:-0.8;Size:+0.2;Momentum:-1.0;LowVol:-1.0,MaxPos8%,6,25,4.3,trailing 8%,195,17.5,Sideways,21.4,4.76,2.7,94,20,47,55,false,Rebalance,Shift +1% to bonds from equity,0,-8,BrokerB,LMT,96,None,None,Normal monitoring,-3,-38,22,3,false,Increase defensive factor exposure
P5951,Hands-off,Taxable,USD,2024-12-08,159869,7434,152435,1.0,64.6,16.0,10.0,9.4,QQQ:24.7%;XLF:20.3%;BND:24.7%;HYG:14.4%;GLD:16.0%,US:76.1;EU:11.3;APAC:5.6;EM:5.1;Other:1.9,Value:+0.6;Growth:+0.8;Quality:-0.8;Size:+0.6;Momentum:-0.9;LowVol:-0.3,MaxPos8%;NoDerivatives,7,30,4.9,trailing 8%,131,15.1,Volatile,29.2,5.16,4.1,144,-52,16,69,true,Reduce,"Cut high-beta by 2-3%, add cash",13,2,BrokerB,MKT,95,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-38,-41,-19,2,false,Tax-aware sells next window
P5952,Active,401k,USD,2025-08-25,1702749,159075,1543674,1.0,52.3,25.6,15.0,7.2,IEF:11.4%;BND:11.6%;VOO:25.6%;TLT:25.6%;AMZN:25.6%,US:64.1;EU:17.9;APAC:13.8;EM:4.0;Other:0.3,Value:+0.2;Growth:-0.3;Quality:-0.8;Size:0.0;Momentum:+0.5;LowVol:+0.6,,5,30,4.1,trailing 9%,187,22.0,Sideways,16.9,3.82,3.2,111,-12,34,42,true,Reduce,"Cut high-beta by 2-3%, add cash",29,-7,BrokerC,VWAP,93,VAR>budget,Reduce,Risk above budget threshold,78,-46,189,2,false,Tighten stops on momentum names
P5953,Hands-off,Trust,USD,2025-11-24,366589,26881,339708,1.0,61.8,17.2,11.8,9.2,AMZN:25.7%;MSFT:22.8%;GLD:25.7%;TSLA:25.7%,US:68.7;EU:16.8;APAC:5.9;EM:5.1;Other:3.5,Value:-0.1;Growth:-1.0;Quality:-0.2;Size:-0.3;Momentum:0.0;LowVol:+0.3,MaxPos8%;NoDerivatives,10,35,3.8,trailing 10%,151,13.9,Volatile,28.8,4.02,4.3,123,-38,44,84,true,Reduce,"Cut high-beta by 2-3%, add cash",29,-14,BrokerA,VWAP,99,VAR>budget,Reduce,Risk above budget threshold,88,-55,227,3,false,Monitor dispersion and breadth
P5954,Hands-off,Roth,USD,2024-08-13,476006,24413,451593,1.0,58.3,16.6,17.8,7.3,VTI:18.7%;VOO:18.0%;MUB:16.6%;QQQ:14.1%;XLF:18.4%;AMZN:14.1%,US:64.6;EU:15.9;APAC:7.0;EM:11.2;Other:1.3,Value:-0.9;Growth:+0.9;Quality:-0.5;Size:-0.2;Momentum:-0.7;LowVol:-0.4,ESGOnly;MaxPos5%;NoDerivatives,8,35,4.3,trailing 8%,113,15.5,Bull,17.5,4.61,2.8,79,59,89,48,true,Reduce,"Cut high-beta by 2-3%, add cash",-9,-18,BrokerD,LMT,99,VAR>budget,TightenStops,Risk above budget threshold,-32,7,47,3,false,Tighten stops on momentum names
P5955,Active,IRA,USD,2025-06-07,898603,73464,825139,1.0,66.6,19.5,6.9,7.0,XLF:10.0%;VTI:22.2%;AMZN:9.2%;BND:22.2%;GLD:22.2%;TSLA:14.3%,US:66.1;EU:18.5;APAC:7.9;EM:5.2;Other:2.2,Value:+0.3;Growth:-0.3;Quality:-0.2;Size:-0.1;Momentum:0.0;LowVol:+0.6,NoDerivatives,8,30,5.8,trailing 9%,120,18.0,Bear,29.2,3.43,2.7,153,-114,8,77,true,Reduce,"Cut high-beta by 2-3%, add cash",15,15,BrokerD,MKT,100,VAR>budget,Hedge,Risk above budget threshold,70,-48,177,3,false,Monitor dispersion and breadth
P5956,Cautious,Trust,USD,2024-12-23,272132,25256,246876,1.0,48.2,39.7,0.7,11.4,MUB:34.0%;IEF:34.0%;TLT:31.9%,US:64.3;EU:16.7;APAC:10.8;EM:4.3;Other:3.8,Value:-0.9;Growth:+0.9;Quality:-0.8;Size:+0.2;Momentum:-0.6;LowVol:+0.7,MaxPos6%;NoDerivatives;NoMargin,5,35,5.2,hard 10%,118,12.8,Sideways,17.4,3.86,3.3,108,18,54,46,false,Rebalance,Shift +1% to bonds from equity,34,15,BrokerA,LMT,100,None,None,Normal monitoring,120,-46,181,3,false,Tighten stops on momentum names
P5957,Active,Roth,USD,2025-04-28,1498640,94271,1404369,1.0,63.3,28.6,0.0,8.1,VNQ:14.3%;BND:20.4%;MSFT:19.8%;XLF:19.7%;AMZN:8.9%;TSLA:16.9%,US:68.6;EU:10.6;APAC:11.4;EM:7.1;Other:2.4,Value:+1.0;Growth:+0.5;Quality:-0.2;Size:-0.5;Momentum:-0.6;LowVol:+0.1,,7,35,5.5,trailing 9%,190,27.7,Sideways,17.0,4.45,2.0,117,-25,25,48,false,NoAction,Within bands; monitor,19,-37,BrokerD,MKT,0,None,None,Normal monitoring,86,11,155,3,false,Tax-aware sells next window
P5958,Hands-off,Roth,USD,2025-09-10,602870,45034,557836,1.0,66.6,26.5,1.9,5.0,VNQ:25.0%;IEF:37.5%;MUB:37.5%,US:76.1;EU:7.2;APAC:5.5;EM:8.4;Other:2.7,Value:+0.2;Growth:-0.7;Quality:-0.0;Size:+0.8;Momentum:+0.9;LowVol:-0.8,,5,35,5.6,trailing 10%,137,13.6,Bull,13.0,4.96,2.1,106,63,94,45,true,Reduce,"Cut high-beta by 2-3%, add cash",20,9,BrokerD,LMT,90,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-45,-42,64,4,false,Increase defensive factor exposure
P5959,Active,Taxable,USD,2025-08-16,1487053,99290,1387763,1.0,51.7,29.3,12.1,6.9,BND:30.7%;GLD:30.7%;MUB:20.6%;TLT:18.0%,US:62.2;EU:16.1;APAC:8.2;EM:10.0;Other:3.5,Value:+0.5;Growth:+0.9;Quality:-0.2;Size:+0.7;Momentum:+0.6;LowVol:+0.5,NoDerivatives,8,35,4.8,trailing 9%,202,26.0,Bull,14.0,3.74,2.5,119,3,52,35,false,Buy,Add to core equity +1%,15,-6,BrokerC,MKT,100,None,None,Normal monitoring,102,-11,160,4,false,Monitor dispersion and breadth
P5960,Cautious,Roth,USD,2024-07-22,315669,30495,285174,1.0,39.5,41.7,7.5,11.3,TLT:26.9%;QQQ:26.9%;XLF:26.9%;VTI:19.2%,US:64.1;EU:14.5;APAC:12.5;EM:8.3;Other:0.6,Value:-0.8;Growth:-0.5;Quality:+0.6;Size:-0.7;Momentum:+0.4;LowVol:+0.8,ESGOnly;MaxPos6%;NoDerivatives;NoMargin,5,35,4.8,trailing 10%,100,12.2,Sideways,15.0,4.95,2.5,92,26,64,24,false,Buy,Add to core equity +1%,31,-32,BrokerA,VWAP,87,None,None,Normal monitoring,86,-42,123,4,false,Increase defensive factor exposure
P5961,Opportunistic,Roth,USD,2024-09-17,1215850,63157,1152693,1.0,67.0,17.6,6.9,8.4,MUB:34.0%;IEF:32.0%;VOO:34.0%,US:64.3;EU:8.2;APAC:17.1;EM:9.3;Other:1.1,Value:0.0;Growth:+1.0;Quality:-0.3;Size:-0.5;Momentum:-0.3;LowVol:-0.4,MaxPos8%;NoDerivatives,7,30,6.8,trailing 9%,250,24.0,Sideways,20.9,4.36,2.9,119,38,68,69,false,Rebalance,Shift +1% to bonds from equity,24,1,BrokerD,LMT,85,None,None,Normal monitoring,13,-16,75,3,false,Within IPS guidelines
P5962,Systematic,Trust,USD,2025-05-03,1946329,183914,1762415,1.0,67.2,24.1,0.1,8.6,GLD:12.3%;MUB:22.5%;TSLA:15.9%;VTI:18.7%;TLT:16.9%;VNQ:13.7%,US:64.2;EU:13.6;APAC:14.4;EM:6.7;Other:1.1,Value:+0.4;Growth:-1.0;Quality:+0.9;Size:+0.6;Momentum:0.0;LowVol:+0.3,MaxPos5%,7,25,5.6,hard 12%,152,26.2,Bear,29.5,3.22,1.1,137,1,45,70,false,Sell,Trim extended winner -1%,8,-15,BrokerA,MKT,96,None,None,Normal monitoring,32,-14,21,4,false,Tax-aware sells next window
P5963,Opportunistic,IRA,USD,2025-09-08,1063796,69206,994590,1.0,75.1,12.1,7.0,5.8,GLD:19.4%;IEF:18.8%;VOO:19.0%;AAPL:12.6%;VTI:8.8%;AMZN:21.4%,US:70.3;EU:9.8;APAC:11.1;EM:6.1;Other:2.6,Value:+0.1;Growth:-0.6;Quality:-0.2;Size:+0.1;Momentum:-0.3;LowVol:+0.2,,8,30,6.7,trailing 9%,219,28.5,Volatile,20.2,5.45,4.4,143,-28,34,64,false,Buy,Add to core equity +1%,-3,-29,BrokerB,VWAP,89,None,None,Normal monitoring,42,-35,130,5,false,Tighten stops on momentum names
P5964,Opportunistic,401k,USD,2024-12-10,1033018,56846,976172,1.06,65.8,15.9,11.8,6.5,HYG:20.4%;IEF:14.4%;MUB:9.4%;MSFT:20.7%;VTI:14.3%;TLT:20.7%,US:63.7;EU:11.5;APAC:12.8;EM:9.5;Other:2.4,Value:0.0;Growth:-0.8;Quality:+0.2;Size:+0.2;Momentum:+0.8;LowVol:-0.2,MaxPos7%,5,35,6.3,trailing 7%,162,29.0,Bear,31.5,4.3,1.8,155,-54,14,90,true,Reduce,"Cut high-beta by 2-3%, add cash",-12,-29,BrokerA,LMT,99,Drift>tolerance,Reduce,Allocation drift beyond policy bands,84,-4,202,5,false,Within IPS guidelines
P5965,Cautious,401k,USD,2024-09-30,223350,20777,202573,1.0,44.9,38.2,0.0,16.9,VTI:8.2%;VNQ:21.7%;BRK.B:19.8%;IEF:21.7%;GLD:21.7%;MSFT:6.9%,US:67.2;EU:10.8;APAC:9.0;EM:10.0;Other:2.9,Value:-0.9;Growth:+0.9;Quality:+0.4;Size:-0.8;Momentum:+0.8;LowVol:-0.5,NoDerivatives;NoMargin,6,25,4.1,trailing 10%,157,12.2,Volatile,22.8,4.77,4.0,156,-31,47,45,true,Hedge,Buy index puts 1% notional,0,-15,BrokerB,LMT,94,VAR>budget,Pause,Risk above budget threshold,63,-13,125,5,false,Tighten stops on momentum names
P5966,Opportunistic,Trust,USD,2024-07-24,892995,46824,846171,1.0,74.6,10.1,7.3,8.0,TLT:23.4%;VTI:23.4%;XLF:23.4%;BRK.B:21.2%;MSFT:8.5%,US:76.2;EU:7.2;APAC:9.7;EM:5.2;Other:1.6,Value:+0.3;Growth:-0.3;Quality:+0.5;Size:+0.3;Momentum:+0.1;LowVol:+0.4,,6,30,6.7,trailing 9%,221,25.0,Volatile,22.7,4.15,4.1,126,22,64,72,true,Reduce,"Cut high-beta by 2-3%, add cash",-14,-26,BrokerA,VWAP,90,VAR>budget,Hedge,Risk above budget threshold,-60,-36,-44,3,false,Monitor dispersion and breadth
P5967,Hands-off,Trust,USD,2024-07-16,640628,53178,587450,1.0,63.1,27.1,0.0,9.7,AAPL:18.3%;GLD:20.6%;IEF:13.7%;BND:9.8%;MUB:16.4%;VTI:21.2%,US:69.8;EU:13.1;APAC:10.4;EM:4.0;Other:2.7,Value:+0.5;Growth:+0.7;Quality:-0.8;Size:-0.2;Momentum:+0.1;LowVol:-0.5,MaxPos6%;NoDerivatives,7,30,4.5,trailing 10%,119,12.9,Volatile,20.1,5.12,2.4,178,-44,22,62,false,Rebalance,Shift +1% to bonds from equity,28,-37,BrokerC,LMT,100,None,None,Normal monitoring,110,7,202,5,false,Tax-aware sells next window
P5968,Active,Taxable,USD,2025-01-28,639870,53180,586690,1.0,65.0,18.9,8.7,7.5,AAPL:22.6%;VTI:22.6%;BRK.B:16.8%;GLD:22.6%;VNQ:15.3%,US:67.8;EU:11.7;APAC:13.1;EM:4.2;Other:3.1,Value:+0.8;Growth:0.0;Quality:+0.3;Size:+0.4;Momentum:-0.5;LowVol:+1.0,NoDerivatives,10,35,4.6,hard 12%,185,26.1,Bull,13.2,3.64,2.6,94,18,72,43,false,Sell,Trim extended winner -1%,22,-23,BrokerD,LMT,96,None,None,Normal monitoring,107,-41,204,3,false,Tighten stops on momentum names
P5969,Hands-off,Taxable,USD,2025-07-07,628189,33192,594997,1.0,57.8,28.8,4.4,9.0,AAPL:23.0%;MUB:12.1%;VNQ:23.0%;XLF:10.1%;AMZN:8.8%;QQQ:23.0%,US:55.9;EU:17.3;APAC:11.0;EM:12.7;Other:3.0,Value:-0.6;Growth:+0.8;Quality:-0.8;Size:-0.9;Momentum:+0.2;LowVol:-0.3,NoDerivatives,8,35,3.5,hard 10%,93,17.0,Bull,15.5,4.52,2.2,104,4,51,42,false,Buy,Add to core equity +1%,1,10,BrokerB,LMT,86,None,None,Normal monitoring,2,-6,20,3,false,Within IPS guidelines
P5970,Opportunistic,Taxable,USD,2024-10-05,1130248,69127,1061121,1.0,67.7,19.7,4.0,8.5,QQQ:20.6%;GLD:21.1%;IEF:22.9%;BND:22.9%;VTI:12.6%,US:77.0;EU:7.9;APAC:6.8;EM:7.0;Other:1.3,Value:-0.4;Growth:-0.3;Quality:-1.0;Size:+0.1;Momentum:+0.3;LowVol:+0.4,MaxPos5%;NoDerivatives,10,25,5.6,hard 12%,244,35.0,Volatile,24.8,5.01,2.1,135,14,53,75,true,Rebalance,Rebalance back to target bands,31,-38,BrokerC,LMT,97,Drift>tolerance,Pause,Allocation drift beyond policy bands,-14,4,-3,2,false,Monitor dispersion and breadth
P5971,Cautious,IRA,USD,2025-10-21,327857,35603,292254,1.0,48.1,39.8,0.4,11.7,HYG:21.7%;IEF:21.7%;AMZN:20.2%;MUB:15.2%;QQQ:21.2%,US:60.9;EU:11.7;APAC:14.2;EM:10.4;Other:2.8,Value:+0.2;Growth:+0.1;Quality:+0.3;Size:+0.6;Momentum:-0.1;LowVol:+1.0,MaxPos6%;NoMargin,5,30,4.7,trailing 8%,160,19.4,Volatile,28.8,4.35,2.7,137,-49,34,60,false,Buy,Add to core equity +1%,-8,-30,BrokerC,MKT,98,None,None,Normal monitoring,6,-32,65,4,false,Within IPS guidelines
P5972,Hands-off,Trust,USD,2024-10-10,199471,16119,183352,1.0,59.4,29.6,2.2,8.8,TSLA:33.3%;IEF:33.3%;QQQ:33.3%,US:58.5;EU:16.3;APAC:13.8;EM:8.8;Other:2.6,Value:+0.4;Growth:-0.4;Quality:+0.9;Size:+0.2;Momentum:-0.3;LowVol:+0.4,ESGOnly,5,25,5.7,hard 10%,100,14.1,Bull,12.6,4.49,2.6,119,50,71,34,false,Hedge,Add TLT +1% as duration hedge,34,-37,BrokerC,LMT,85,None,None,Normal monitoring,-54,-7,-83,5,false,Monitor dispersion and breadth
P5973,Hands-off,IRA,USD,2025-06-08,820812,79040,741772,1.0,57.1,24.5,12.8,5.5,HYG:34.0%;TSLA:32.0%;QQQ:34.0%,US:68.4;EU:7.9;APAC:9.6;EM:11.0;Other:3.0,Value:-0.0;Growth:-0.6;Quality:+0.6;Size:+0.2;Momentum:+0.7;LowVol:-0.7,MaxPos7%;NoDerivatives,5,25,3.7,trailing 10%,146,13.9,Bull,14.7,4.71,2.1,72,68,87,40,false,Sell,Trim extended winner -1%,21,2,BrokerA,LMT,87,None,None,Normal monitoring,10,-45,8,5,false,Tax-aware sells next window
P5974,Systematic,Taxable,USD,2024-09-26,1378741,92594,1286147,1.0,64.0,28.0,0.0,8.0,XLF:24.4%;TSLA:24.4%;GLD:15.5%;BRK.B:11.2%;HYG:24.4%,US:59.7;EU:16.5;APAC:12.9;EM:8.9;Other:2.0,Value:-0.5;Growth:-0.1;Quality:-0.1;Size:-0.3;Momentum:-0.6;LowVol:+0.9,,6,35,4.3,trailing 8%,149,27.0,Volatile,21.8,3.9,3.5,173,-42,31,68,false,Hedge,Add TLT +1% as duration hedge,-10,-13,BrokerB,MKT,98,None,None,Normal monitoring,-27,-50,-23,3,false,Tax-aware sells next window
P5975,Hands-off,Roth,USD,2024-08-25,614544,33880,580664,1.0,62.4,28.6,0.0,9.0,MSFT:33.3%;BRK.B:33.3%;TLT:33.3%,US:66.3;EU:16.0;APAC:8.6;EM:8.6;Other:0.5,Value:+0.1;Growth:-0.8;Quality:+0.5;Size:+0.5;Momentum:-0.9;LowVol:+0.5,ESGOnly;MaxPos6%;NoDerivatives,8,30,5.2,trailing 10%,134,19.7,Bull,15.8,4.83,2.2,97,119,100,49,true,Reduce,"Cut high-beta by 2-3%, add cash",12,-19,BrokerC,MKT,85,Drift>tolerance,Hedge,Allocation drift beyond policy bands,97,-42,164,2,false,Tighten stops on momentum names
P5976,Cautious,Roth,USD,2025-10-20,666251,105173,561078,1.0,39.9,44.5,4.0,11.6,MSFT:33.3%;VTI:33.3%;VNQ:33.3%,US:71.2;EU:7.8;APAC:13.4;EM:6.5;Other:1.1,Value:+0.9;Growth:+0.1;Quality:-0.0;Size:-1.0;Momentum:-0.6;LowVol:+0.4,MaxPos7%;NoMargin,6,30,5.6,trailing 10%,140,17.5,Sideways,18.9,3.7,2.1,95,47,84,43,false,Rebalance,Shift +1% to bonds from equity,25,-32,BrokerA,MKT,88,None,None,Normal monitoring,47,-5,186,5,false,Increase defensive factor exposure
P5977,Opportunistic,401k,USD,2025-01-06,793796,54576,739220,1.0,60.2,17.6,15.0,7.2,BRK.B:18.6%;VNQ:12.0%;MSFT:15.1%;VTI:15.2%;IEF:18.6%;TSLA:20.6%,US:64.5;EU:10.2;APAC:6.8;EM:13.7;Other:4.8,Value:+0.8;Growth:-0.9;Quality:+0.9;Size:-1.0;Momentum:+0.6;LowVol:-0.1,,5,30,6.2,trailing 7%,265,29.6,Bear,23.4,4.2,1.3,155,38,78,71,true,Rebalance,Rebalance back to target bands,-9,-2,BrokerC,VWAP,88,VAR>budget,Hedge,Risk above budget threshold,-21,5,64,3,false,Increase defensive factor exposure
P5978,Cautious,IRA,USD,2025-10-02,782608,73474,709134,1.0,40.4,35.9,12.0,11.7,MSFT:30.0%;GLD:35.0%;AMZN:35.0%,US:59.2;EU:17.8;APAC:13.5;EM:5.2;Other:4.3,Value:-0.2;Growth:+0.2;Quality:+0.8;Size:+0.4;Momentum:+0.3;LowVol:-0.6,ESGOnly;NoMargin,7,25,6.0,trailing 10%,143,15.9,Sideways,17.6,4.54,2.6,91,21,52,37,false,Rebalance,Shift +1% to bonds from equity,-2,-37,BrokerA,LMT,91,None,None,Normal monitoring,28,-46,150,4,false,Monitor dispersion and breadth
P5979,Hands-off,Trust,USD,2025-11-03,392691,39259,353432,1.0,60.5,26.0,6.0,7.5,MSFT:16.0%;TLT:28.6%;IEF:26.8%;TSLA:28.6%,US:73.8;EU:8.9;APAC:6.7;EM:5.9;Other:4.7,Value:+0.6;Growth:+0.9;Quality:-0.2;Size:+0.8;Momentum:+0.3;LowVol:-0.3,,6,30,5.0,hard 10%,117,15.7,Volatile,29.0,4.54,2.2,153,74,89,71,true,Hedge,Buy index puts 1% notional,5,-1,BrokerB,MKT,85,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-15,0,110,2,false,Tighten stops on momentum names
P5980,Opportunistic,IRA,USD,2025-02-14,733194,23644,709550,1.0,74.9,17.4,2.1,5.7,VNQ:33.3%;MSFT:33.3%;AAPL:33.3%,US:68.3;EU:15.8;APAC:11.1;EM:3.5;Other:1.4,Value:-0.1;Growth:-0.6;Quality:+0.8;Size:+0.3;Momentum:-0.3;LowVol:+0.1,,8,25,6.9,hard 12%,264,33.9,Volatile,25.0,4.3,3.1,143,69,81,69,true,Reduce,"Cut high-beta by 2-3%, add cash",12,-15,BrokerD,MKT,89,VAR>budget,Reduce,Risk above budget threshold,-45,-1,-81,3,false,Increase defensive factor exposure
P5981,Cautious,Trust,USD,2025-05-03,432462,40779,391683,1.0,45.8,31.4,6.2,16.6,TSLA:35.0%;BND:35.0%;BRK.B:29.9%,US:75.9;EU:7.3;APAC:6.0;EM:6.1;Other:4.7,Value:+0.4;Growth:-1.0;Quality:+0.7;Size:-0.9;Momentum:-0.5;LowVol:+0.3,ESGOnly;MaxPos6%;NoMargin,5,25,3.9,trailing 10%,161,14.2,Bear,27.0,3.86,2.0,139,-105,5,58,false,Sell,Trim extended winner -1%,-14,-39,BrokerD,MKT,99,None,None,Normal monitoring,-47,-20,0,4,false,Within IPS guidelines
P5982,Opportunistic,IRA,USD,2024-07-08,732669,23776,708893,1.06,74.4,13.4,3.4,8.9,MUB:33.3%;AMZN:33.3%;MSFT:33.3%,US:57.6;EU:18.6;APAC:13.3;EM:9.1;Other:1.4,Value:+0.8;Growth:+0.4;Quality:-1.0;Size:-0.8;Momentum:0.0;LowVol:-0.2,MaxPos7%,7,35,4.4,hard 12%,273,30.1,Sideways,15.2,4.33,3.3,91,-1,36,45,true,Hedge,Buy index puts 1% notional,10,-35,BrokerD,VWAP,86,Drift>tolerance,Reduce,Allocation drift beyond policy bands,115,-7,128,3,false,Increase defensive factor exposure
P5983,Opportunistic,IRA,USD,2024-08-14,1627487,100312,1527175,1.0,72.3,15.9,3.1,8.6,QQQ:19.9%;AAPL:13.5%;AMZN:24.8%;VNQ:24.8%;TLT:17.0%,US:62.6;EU:15.0;APAC:11.9;EM:8.7;Other:1.7,Value:+0.9;Growth:-0.4;Quality:-0.0;Size:-0.4;Momentum:-0.0;LowVol:+0.2,MaxPos5%,8,30,5.5,trailing 9%,227,26.3,Bear,23.2,3.16,2.0,220,-22,54,62,false,Sell,Trim extended winner -1%,24,-34,BrokerB,MKT,96,None,None,Normal monitoring,-24,-55,97,5,false,Within IPS guidelines
P5984,Cautious,Roth,USD,2024-12-23,848775,74849,773926,1.0,45.1,38.6,0.0,16.3,MSFT:20.5%;MUB:6.3%;QQQ:18.2%;VNQ:20.5%;TSLA:17.2%;XLF:17.3%,US:56.1;EU:21.2;APAC:6.9;EM:12.2;Other:3.5,Value:-0.7;Growth:-0.4;Quality:-0.3;Size:-0.9;Momentum:-0.2;LowVol:-0.7,NoMargin,6,25,5.5,hard 10%,161,14.2,Bear,34.9,3.41,2.7,196,27,72,66,false,Buy,Add to core equity +1%,26,10,BrokerD,MKT,88,None,None,Normal monitoring,109,-34,149,5,false,Monitor dispersion and breadth
P5985,Cautious,401k,USD,2025-11-02,630086,71879,558207,1.0,52.8,33.4,2.2,11.5,HYG:35.6%;GLD:28.8%;IEF:35.6%,US:68.6;EU:15.8;APAC:6.1;EM:6.6;Other:2.9,Value:+0.2;Growth:-0.5;Quality:-0.3;Size:+0.3;Momentum:-1.0;LowVol:+0.8,NoMargin,5,30,3.6,hard 10%,111,12.6,Volatile,30.8,4.95,2.8,122,10,43,80,true,Rebalance,Rebalance back to target bands,-1,-39,BrokerC,LMT,98,RegimeShift,Reduce,Volatility spike and breadth deterioration,115,-45,120,3,false,Monitor dispersion and breadth
P5986,Systematic,Taxable,USD,2024-09-12,1929304,164316,1764988,1.0,64.2,30.5,0.0,5.3,TLT:20.2%;TSLA:18.2%;AAPL:16.2%;QQQ:20.2%;VTI:18.4%;AMZN:6.9%,US:68.2;EU:14.7;APAC:7.3;EM:6.6;Other:3.1,Value:-0.2;Growth:-0.4;Quality:+0.5;Size:-0.9;Momentum:-0.6;LowVol:-0.8,,6,30,4.5,trailing 9%,168,16.9,Volatile,28.6,4.7,3.7,141,80,99,78,true,Reduce,"Cut high-beta by 2-3%, add cash",2,-12,BrokerB,VWAP,99,Drift>tolerance,Hedge,Allocation drift beyond policy bands,33,-56,100,2,true,Tax-aware sells next window
P5987,Systematic,Roth,USD,2025-12-20,1503339,70398,1432941,1.0,62.3,29.0,0.0,8.7,AMZN:33.3%;TLT:33.3%;BND:33.3%,US:71.9;EU:6.9;APAC:5.5;EM:12.7;Other:3.0,Value:+0.3;Growth:-0.7;Quality:-0.7;Size:-0.5;Momentum:-0.3;LowVol:+0.1,MaxPos8%,8,25,5.9,trailing 8%,197,20.8,Bull,14.7,4.87,2.2,74,106,100,42,false,NoAction,Within bands; monitor,5,8,BrokerC,LMT,95,None,None,Normal monitoring,73,10,72,3,false,Tax-aware sells next window
P5988,Hands-off,IRA,USD,2025-04-11,392487,18023,374464,1.0,64.5,22.8,5.4,7.3,IEF:25.1%;QQQ:25.1%;MSFT:24.6%;XLF:25.1%,US:71.2;EU:6.7;APAC:9.1;EM:10.2;Other:2.8,Value:+0.7;Growth:-0.8;Quality:-0.8;Size:+0.2;Momentum:+0.9;LowVol:+0.9,,8,25,5.4,trailing 8%,143,18.5,Volatile,25.5,3.85,3.4,121,-29,32,69,false,Sell,Trim extended winner -1%,27,-28,BrokerC,MKT,94,None,None,Normal monitoring,43,-10,12,3,false,Increase defensive factor exposure
P5989,Opportunistic,Roth,USD,2025-01-29,1234535,83788,1150747,1.0,73.4,10.9,7.1,8.5,TLT:10.2%;HYG:24.5%;TSLA:24.5%;VTI:16.3%;VNQ:24.5%,US:76.4;EU:8.2;APAC:9.5;EM:3.3;Other:2.6,Value:+0.3;Growth:-0.7;Quality:+0.1;Size:-0.5;Momentum:+0.3;LowVol:+0.3,MaxPos5%,6,30,4.3,trailing 9%,203,21.1,Volatile,21.9,4.74,2.4,135,-35,35,64,false,NoAction,Within bands; monitor,5,-22,BrokerA,MKT,0,None,None,Normal monitoring,-18,17,56,4,false,Monitor dispersion and breadth
P5990,Hands-off,Roth,USD,2025-04-09,713579,41997,671582,1.0,66.9,19.5,5.2,8.4,QQQ:33.3%;BRK.B:33.3%;MUB:33.3%,US:68.9;EU:15.3;APAC:9.6;EM:4.2;Other:1.9,Value:+0.5;Growth:-0.1;Quality:+0.7;Size:-0.5;Momentum:+0.7;LowVol:+0.3,,10,35,5.0,trailing 8%,155,12.4,Volatile,22.0,4.64,4.2,143,63,71,62,false,Sell,Trim extended winner -1%,35,-6,BrokerD,LMT,87,None,None,Normal monitoring,9,-48,57,4,false,Tax-aware sells next window
P5991,Hands-off,Roth,USD,2024-11-18,663785,56908,606877,1.0,59.3,16.8,17.0,6.9,TSLA:33.3%;GLD:33.3%;AAPL:33.3%,US:67.8;EU:13.7;APAC:9.4;EM:8.1;Other:1.0,Value:+0.4;Growth:-0.4;Quality:-0.8;Size:-0.1;Momentum:+0.6;LowVol:-0.5,ESGOnly,6,25,3.6,hard 10%,155,18.3,Bear,25.3,3.04,2.7,188,-81,8,71,true,Reduce,"Cut high-beta by 2-3%, add cash",-4,-31,BrokerC,MKT,88,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-45,15,-2,5,false,Monitor dispersion and breadth
P5992,Cautious,Roth,USD,2025-01-15,687326,105819,581507,1.0,38.2,36.1,14.0,11.7,TSLA:17.2%;TLT:16.2%;VNQ:17.7%;BND:24.4%;XLF:24.4%,US:71.8;EU:7.0;APAC:5.6;EM:11.7;Other:3.8,Value:-0.1;Growth:-0.1;Quality:-0.1;Size:+0.5;Momentum:+0.8;LowVol:+0.9,ESGOnly;NoMargin,8,35,4.0,hard 10%,130,20.0,Bull,12.5,3.73,2.8,99,102,100,37,false,Rebalance,Shift +1% to bonds from equity,29,-11,BrokerB,LMT,86,None,None,Normal monitoring,-32,16,79,3,false,Increase defensive factor exposure
P5993,Cautious,IRA,USD,2024-12-13,862497,81531,780966,1.0,50.8,37.0,0.0,12.3,IEF:23.1%;VTI:23.1%;TSLA:7.7%;QQQ:23.0%;VNQ:23.1%,US:75.7;EU:6.7;APAC:13.1;EM:3.7;Other:0.8,Value:+0.4;Growth:-0.9;Quality:+0.1;Size:-0.1;Momentum:+0.7;LowVol:-0.7,NoMargin,5,25,3.1,hard 10%,101,17.7,Bull,14.9,3.66,2.7,84,83,100,38,false,NoAction,Within bands; monitor,-5,-9,BrokerC,MKT,0,None,None,Normal monitoring,49,11,81,3,false,Within IPS guidelines
P5994,Systematic,401k,USD,2025-12-25,1206904,103704,1103200,1.0,64.1,28.0,0.0,7.9,VOO:12.1%;MSFT:24.2%;MUB:15.3%;HYG:24.2%;BRK.B:24.2%,US:65.8;EU:14.5;APAC:9.3;EM:8.2;Other:2.2,Value:+0.5;Growth:+0.8;Quality:+0.4;Size:+0.1;Momentum:-0.9;LowVol:+0.4,,10,25,5.3,trailing 9%,209,27.6,Sideways,18.5,4.18,3.2,134,32,63,60,false,Buy,Add to core equity +1%,18,-36,BrokerA,VWAP,100,None,None,Normal monitoring,114,-36,163,4,false,Monitor dispersion and breadth
P5995,Active,401k,USD,2025-04-28,2452576,275835,2176741,1.0,64.4,28.4,0.0,7.2,XLF:17.1%;VTI:19.7%;AMZN:17.0%;MSFT:18.8%;VNQ:10.2%;AAPL:17.2%,US:58.7;EU:17.5;APAC:12.9;EM:6.8;Other:4.1,Value:+0.3;Growth:+0.6;Quality:-0.1;Size:-0.9;Momentum:-0.5;LowVol:+0.3,NoDerivatives,5,30,4.9,hard 12%,217,17.5,Bull,13.8,3.56,3.1,112,86,89,54,false,Buy,Add to core equity +1%,5,-38,BrokerD,LMT,97,None,None,Normal monitoring,29,-39,59,3,false,Within IPS guidelines
P5996,Active,Trust,USD,2025-07-09,1739228,131343,1607885,1.08,61.2,24.5,7.4,6.9,HYG:25.8%;VNQ:25.2%;MSFT:23.3%;TSLA:25.8%,US:62.7;EU:14.4;APAC:11.2;EM:9.5;Other:2.2,Value:-0.9;Growth:+0.3;Quality:-0.2;Size:-0.4;Momentum:-0.5;LowVol:+0.9,NoDerivatives,6,30,5.6,trailing 8%,218,16.5,Sideways,17.6,4.38,2.5,107,56,93,55,false,Buy,Add to core equity +1%,-10,-10,BrokerB,LMT,90,None,None,Normal monitoring,10,16,38,5,false,Tax-aware sells next window
P5997,Hands-off,401k,USD,2025-03-20,279236,16040,263196,1.0,66.4,27.5,0.0,6.1,XLF:19.3%;QQQ:14.3%;HYG:10.3%;BND:21.8%;GLD:12.9%;BRK.B:21.4%,US:70.1;EU:9.3;APAC:10.6;EM:9.7;Other:0.4,Value:-0.3;Growth:-0.1;Quality:+0.6;Size:-0.6;Momentum:+0.4;LowVol:+0.3,,10,35,5.0,hard 10%,98,12.2,Volatile,21.2,4.24,2.4,171,-59,8,52,false,Hedge,Add TLT +1% as duration hedge,2,-33,BrokerD,MKT,92,None,None,Normal monitoring,-22,-39,-48,5,false,Within IPS guidelines
P5998,Opportunistic,Trust,USD,2025-05-05,1309300,50245,1259055,1.11,68.6,20.5,4.6,6.3,AMZN:25.0%;VOO:25.0%;MUB:25.0%;VNQ:25.0%,US:69.9;EU:7.1;APAC:11.4;EM:10.4;Other:1.1,Value:+0.3;Growth:+0.8;Quality:0.0;Size:+0.6;Momentum:+0.1;LowVol:+0.8,,10,30,6.0,trailing 7%,163,31.1,Volatile,22.3,4.46,2.6,132,76,77,71,true,Reduce,"Cut high-beta by 2-3%, add cash",1,9,BrokerC,MKT,89,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-12,14,124,4,false,Monitor dispersion and breadth
P5999,Opportunistic,Taxable,USD,2025-11-12,574305,37071,537234,1.0,66.2,18.9,9.0,5.8,QQQ:23.6%;HYG:10.0%;AMZN:13.4%;BND:13.1%;MSFT:23.6%;TSLA:16.2%,US:68.2;EU:9.3;APAC:13.1;EM:6.0;Other:3.4,Value:-0.9;Growth:0.0;Quality:-0.0;Size:-0.4;Momentum:+0.7;LowVol:+0.8,,5,30,4.6,trailing 7%,211,24.5,Bull,11.2,4.2,3.3,101,117,100,37,false,Sell,Trim extended winner -1%,34,-37,BrokerB,LMT,99,None,None,Normal monitoring,79,-10,139,5,false,Tax-aware sells next window
P6000,Cautious,Taxable,USD,2025-06-27,454087,43012,411075,1.0,43.7,38.1,2.3,15.9,QQQ:22.5%;MUB:8.0%;VOO:22.5%;VNQ:16.9%;TSLA:16.2%;BND:14.0%,US:69.9;EU:11.2;APAC:9.9;EM:4.8;Other:4.2,Value:+0.1;Growth:-0.2;Quality:-0.9;Size:-0.6;Momentum:+0.1;LowVol:+0.2,NoDerivatives;NoMargin,8,25,5.9,trailing 8%,110,15.1,Bear,31.9,3.77,2.0,217,-74,22,64,false,Rebalance,Shift +1% to bonds from equity,4,-28,BrokerA,MKT,91,None,None,Normal monitoring,24,-33,44,5,false,Increase defensive factor exposure
P6001,Hands-off,IRA,USD,2025-03-18,501676,25067,476609,1.0,60.2,20.5,14.0,5.3,MSFT:18.5%;VOO:21.5%;TLT:19.1%;HYG:21.5%;BND:13.2%;XLF:6.1%,US:60.4;EU:9.5;APAC:14.0;EM:12.0;Other:4.2,Value:-0.1;Growth:-0.8;Quality:-0.5;Size:+0.2;Momentum:+0.6;LowVol:+0.7,ESGOnly;NoDerivatives,8,25,3.9,trailing 8%,110,14.8,Bear,31.0,4.15,2.0,212,-92,5,78,true,Reduce,"Cut high-beta by 2-3%, add cash",-10,-20,BrokerC,LMT,96,RegimeShift,Hedge,Volatility spike and breadth deterioration,8,12,108,4,true,Increase defensive factor exposure
P6002,Opportunistic,Trust,USD,2025-02-21,809915,39652,770263,1.0,68.0,10.8,17.1,4.1,BND:21.1%;AMZN:22.8%;AAPL:21.6%;HYG:14.3%;VTI:20.1%,US:59.3;EU:16.8;APAC:6.3;EM:12.1;Other:5.4,Value:+0.9;Growth:-0.6;Quality:-0.5;Size:+0.8;Momentum:+0.6;LowVol:+0.7,,5,30,6.0,trailing 9%,275,20.4,Bull,12.2,4.98,2.6,111,115,100,37,false,Buy,Add to core equity +1%,24,-38,BrokerD,MKT,91,None,None,Normal monitoring,-42,-23,-30,5,false,Increase defensive factor exposure
P6003,Opportunistic,Taxable,USD,2025-06-08,673377,45520,627857,1.0,64.6,13.1,18.2,4.1,AAPL:23.0%;TLT:12.0%;VTI:23.0%;VNQ:23.0%;BRK.B:18.9%,US:63.0;EU:9.9;APAC:10.1;EM:13.1;Other:4.0,Value:-1.0;Growth:-0.6;Quality:-0.0;Size:+0.4;Momentum:+0.2;LowVol:+0.3,,5,25,5.6,trailing 9%,235,30.6,Bull,12.7,4.73,3.5,94,107,99,49,false,Buy,Add to core equity +1%,13,-35,BrokerB,MKT,88,None,None,Normal monitoring,-22,10,-27,5,false,Within IPS guidelines
P6004,Systematic,Roth,USD,2025-10-27,1928141,128491,1799650,1.0,56.0,35.0,0.7,8.3,IEF:21.5%;MSFT:26.2%;GLD:26.2%;TLT:26.2%,US:64.2;EU:10.3;APAC:15.6;EM:5.3;Other:4.6,Value:-0.6;Growth:+0.2;Quality:-0.4;Size:-0.0;Momentum:-1.0;LowVol:0.0,NoDerivatives,6,30,5.0,trailing 8%,162,25.5,Sideways,20.2,3.95,3.2,124,44,64,52,false,Rebalance,Shift +1% to bonds from equity,34,-26,BrokerA,MKT,86,None,None,Normal monitoring,-22,-26,-59,4,false,Tighten stops on momentum names
P6005,Hands-off,Roth,USD,2024-07-13,449100,42983,406117,1.0,61.7,29.3,0.0,9.0,GLD:13.2%;VNQ:22.5%;BND:21.3%;AAPL:20.6%;MUB:22.5%,US:73.5;EU:5.0;APAC:10.0;EM:7.2;Other:4.2,Value:-0.1;Growth:+0.6;Quality:-0.5;Size:-0.2;Momentum:+0.1;LowVol:-0.9,MaxPos8%,8,35,5.6,trailing 8%,120,18.8,Volatile,25.8,4.49,2.1,126,39,61,67,false,Rebalance,Shift +1% to bonds from equity,29,3,BrokerB,LMT,91,None,None,Normal monitoring,80,-55,109,5,false,Within IPS guidelines
P6006,Active,Taxable,USD,2024-11-03,1583725,131405,1452320,1.0,65.2,26.8,0.0,8.0,QQQ:16.0%;HYG:12.0%;AMZN:20.8%;GLD:18.5%;BND:11.8%;AAPL:20.8%,US:69.4;EU:12.2;APAC:9.0;EM:8.5;Other:0.8,Value:+0.4;Growth:-0.2;Quality:0.0;Size:+0.7;Momentum:-0.4;LowVol:-0.4,,7,25,5.8,trailing 8%,172,24.6,Bull,13.7,3.63,3.4,115,32,69,41,true,Hedge,Buy index puts 1% notional,29,-9,BrokerC,LMT,92,Drift>tolerance,Hedge,Allocation drift beyond policy bands,73,-50,210,4,false,Within IPS guidelines
P6007,Opportunistic,Trust,USD,2024-10-19,939334,69339,869995,1.0,75.3,19.7,0.0,4.9,TLT:33.6%;VNQ:32.8%;GLD:33.6%,US:68.6;EU:14.5;APAC:5.7;EM:7.6;Other:3.7,Value:-0.8;Growth:+0.9;Quality:-0.3;Size:0.0;Momentum:+0.4;LowVol:-0.1,MaxPos6%,10,30,6.8,trailing 9%,184,24.2,Sideways,20.2,3.87,3.1,111,11,42,65,false,Rebalance,Shift +1% to bonds from equity,14,14,BrokerB,MKT,95,None,None,Normal monitoring,117,-20,89,3,false,Within IPS guidelines
P6008,Active,Trust,USD,2025-11-25,2073848,182693,1891155,1.0,63.7,26.5,1.9,8.0,BND:24.4%;MUB:25.2%;VOO:25.2%;HYG:25.2%,US:62.9;EU:19.5;APAC:6.4;EM:7.7;Other:3.5,Value:+0.8;Growth:+0.5;Quality:-0.6;Size:+0.1;Momentum:+0.6;LowVol:-0.1,MaxPos6%,10,30,5.1,hard 12%,152,20.4,Volatile,27.6,4.84,2.5,137,0,42,71,true,Reduce,"Cut high-beta by 2-3%, add cash",10,-2,BrokerA,LMT,96,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-56,0,-91,3,false,Monitor dispersion and breadth
P6009,Active,Roth,USD,2025-01-26,590276,53511,536765,1.0,63.6,29.6,0.0,6.8,BRK.B:10.2%;AMZN:21.5%;GLD:19.2%;TSLA:20.6%;TLT:21.5%;BND:6.9%,US:67.6;EU:10.3;APAC:12.8;EM:7.0;Other:2.4,Value:-1.0;Growth:+0.2;Quality:-0.0;Size:+0.8;Momentum:-0.1;LowVol:-0.9,MaxPos7%;NoDerivatives,8,30,4.9,hard 12%,213,23.5,Bull,15.2,4.94,2.6,91,44,68,39,false,Rebalance,Shift +1% to bonds from equity,1,-13,BrokerC,MKT,89,None,None,Normal monitoring,41,-22,56,5,false,Tax-aware sells next window
P6010,Hands-off,IRA,USD,2024-10-11,564635,54389,510246,1.0,64.9,15.1,10.9,9.1,BND:23.0%;TSLA:23.0%;AAPL:17.3%;IEF:22.8%;VTI:13.9%,US:70.7;EU:8.3;APAC:8.0;EM:11.2;Other:1.8,Value:+0.6;Growth:+0.6;Quality:+0.1;Size:+0.2;Momentum:-0.2;LowVol:+0.6,ESGOnly;MaxPos8%,10,30,3.9,trailing 8%,109,19.3,Volatile,25.6,3.9,4.3,130,70,83,74,true,Hedge,Buy index puts 1% notional,6,-16,BrokerD,MKT,86,RegimeShift,Reduce,Volatility spike and breadth deterioration,71,3,38,2,false,Tighten stops on momentum names
P6011,Systematic,401k,USD,2025-02-22,1486904,75767,1411137,1.0,66.6,21.4,2.8,9.1,BRK.B:23.3%;AMZN:23.3%;MUB:10.1%;BND:14.4%;GLD:17.7%;TLT:11.2%,US:63.6;EU:14.1;APAC:12.3;EM:7.1;Other:2.9,Value:+0.3;Growth:-0.0;Quality:+0.7;Size:0.0;Momentum:+0.3;LowVol:-0.3,,6,30,4.8,trailing 8%,203,20.1,Bull,11.8,4.18,3.4,119,9,54,45,false,Rebalance,Shift +1% to bonds from equity,0,0,BrokerC,LMT,95,None,None,Normal monitoring,107,-2,218,3,false,Tax-aware sells next window
P6012,Hands-off,Taxable,USD,2025-10-04,357251,30528,326723,1.0,72.6,19.8,0.4,7.1,AMZN:14.2%;IEF:17.2%;AAPL:17.6%;BRK.B:16.3%;TSLA:20.2%;GLD:14.6%,US:64.8;EU:17.7;APAC:7.6;EM:9.2;Other:0.7,Value:-0.3;Growth:-0.2;Quality:+0.6;Size:-0.9;Momentum:+0.4;LowVol:-0.2,ESGOnly;MaxPos5%,5,30,3.7,trailing 8%,150,17.3,Bear,27.0,4.49,2.5,168,-48,18,87,true,Reduce,"Cut high-beta by 2-3%, add cash",-1,9,BrokerA,VWAP,86,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-24,-45,13,2,false,Tax-aware sells next window
P6013,Opportunistic,Taxable,USD,2025-06-28,462304,14806,447498,1.0,63.3,16.1,15.3,5.3,AAPL:16.0%;IEF:20.9%;VTI:11.9%;TSLA:17.8%;BND:16.9%;AMZN:16.4%,US:68.1;EU:7.7;APAC:9.1;EM:11.3;Other:3.8,Value:-0.8;Growth:-0.7;Quality:+0.3;Size:+0.6;Momentum:-0.1;LowVol:+0.9,NoDerivatives,7,25,5.8,trailing 7%,271,23.7,Bull,12.3,3.86,2.8,82,64,76,52,false,Rebalance,Shift +1% to bonds from equity,-7,-28,BrokerA,LMT,96,None,None,Normal monitoring,83,-41,103,4,false,Monitor dispersion and breadth
P6014,Cautious,Trust,USD,2025-03-27,440106,40252,399854,1.0,40.9,40.7,7.5,10.9,BRK.B:29.4%;MSFT:35.3%;AAPL:35.3%,US:54.0;EU:18.8;APAC:12.1;EM:10.0;Other:5.1,Value:+0.3;Growth:-0.3;Quality:+0.9;Size:-0.1;Momentum:-0.7;LowVol:+1.0,ESGOnly;NoMargin,5,35,4.4,trailing 10%,113,17.6,Bull,12.3,4.72,2.6,89,86,83,25,false,Rebalance,Shift +1% to bonds from equity,33,-16,BrokerB,MKT,98,None,None,Normal monitoring,82,-35,197,3,false,Tighten stops on momentum names
P6015,Active,Trust,USD,2025-04-06,2207256,132872,2074384,1.0,51.6,31.1,9.0,8.3,HYG:17.7%;BND:23.6%;MSFT:23.6%;QQQ:11.4%;VTI:23.6%,US:66.3;EU:11.6;APAC:8.2;EM:10.3;Other:3.7,Value:+0.5;Growth:-0.2;Quality:+0.6;Size:+0.4;Momentum:-0.3;LowVol:+0.5,,8,30,4.3,trailing 9%,126,16.9,Volatile,31.4,3.92,2.8,135,-39,29,75,true,Hedge,Buy index puts 1% notional,-6,3,BrokerC,MKT,90,VAR>budget,TightenStops,Risk above budget threshold,5,20,-25,4,false,Within IPS guidelines
P6016,Cautious,Roth,USD,2025-10-14,433517,58440,375077,1.0,49.2,32.2,0.7,18.0,BND:16.3%;XLF:11.9%;TSLA:24.0%;GLD:24.0%;HYG:24.0%,US:66.2;EU:9.9;APAC:13.2;EM:7.9;Other:2.9,Value:+0.7;Growth:-0.8;Quality:+0.3;Size:-0.7;Momentum:+1.0;LowVol:-0.8,ESGOnly;NoMargin,7,30,3.3,trailing 8%,130,17.3,Bear,30.2,3.58,3.0,186,-67,5,59,false,Buy,Add to core equity +1%,34,-2,BrokerA,VWAP,88,None,None,Normal monitoring,19,-34,125,4,false,Tighten stops on momentum names
P6017,Opportunistic,Roth,USD,2025-07-16,458316,26367,431949,1.22,61.0,15.5,18.1,5.4,VTI:21.4%;MSFT:23.6%;QQQ:14.8%;AAPL:16.6%;GLD:23.6%,US:61.0;EU:13.6;APAC:16.5;EM:5.0;Other:4.0,Value:+0.3;Growth:-0.2;Quality:+0.9;Size:+0.5;Momentum:+0.8;LowVol:+0.5,NoDerivatives,6,25,4.6,hard 12%,237,27.9,Bear,30.9,3.17,2.7,137,-118,5,76,true,Rebalance,Rebalance back to target bands,28,8,BrokerB,LMT,90,RegimeShift,Pause,Volatility spike and breadth deterioration,73,2,159,3,false,Within IPS guidelines
P6018,Opportunistic,Trust,USD,2025-02-02,1189652,96387,1093265,1.0,63.2,18.7,11.8,6.3,AAPL:25.7%;BRK.B:25.7%;MSFT:22.8%;QQQ:25.7%,US:69.6;EU:11.4;APAC:8.3;EM:9.1;Other:1.5,Value:-0.3;Growth:-0.0;Quality:+0.6;Size:+0.7;Momentum:+0.3;LowVol:-0.5,NoDerivatives,5,35,6.3,trailing 7%,278,25.0,Sideways,22.0,4.14,2.2,108,-26,37,58,false,Rebalance,Shift +1% to bonds from equity,22,3,BrokerB,LMT,85,None,None,Normal monitoring,23,-39,18,4,false,Within IPS guidelines
P6019,Opportunistic,Roth,USD,2025-08-05,1208635,62608,1146027,1.0,62.5,20.3,13.2,4.1,XLF:24.2%;QQQ:9.3%;HYG:18.1%;BRK.B:24.2%;BND:24.2%,US:69.7;EU:14.2;APAC:9.7;EM:5.5;Other:1.0,Value:-0.0;Growth:+0.6;Quality:-0.6;Size:-0.3;Momentum:-0.9;LowVol:+0.3,MaxPos6%,8,25,5.2,trailing 7%,274,31.9,Bull,11.5,4.87,3.0,78,21,65,45,false,Buy,Add to core equity +1%,5,-4,BrokerA,LMT,89,None,None,Normal monitoring,-29,-54,109,4,false,Tighten stops on momentum names
P6020,Cautious,Roth,USD,2024-08-01,215332,32177,183155,1.0,35.8,30.3,20.9,13.0,VNQ:30.5%;GLD:14.5%;TSLA:24.4%;QQQ:30.5%,US:67.1;EU:16.9;APAC:10.6;EM:3.2;Other:2.1,Value:-0.3;Growth:+0.1;Quality:+0.9;Size:+0.8;Momentum:-0.7;LowVol:-0.7,NoMargin,10,25,4.0,trailing 8%,95,17.5,Bull,13.6,4.19,2.7,91,48,88,19,false,Sell,Trim extended winner -1%,-9,11,BrokerA,MKT,99,None,None,Normal monitoring,62,14,92,4,false,Within IPS guidelines
P6021,Systematic,Roth,USD,2025-10-03,1654299,107562,1546737,1.0,59.8,31.1,0.0,9.1,BRK.B:18.2%;MSFT:22.4%;GLD:19.5%;QQQ:18.4%;MUB:21.5%,US:71.5;EU:13.9;APAC:7.3;EM:4.6;Other:2.7,Value:-0.1;Growth:-0.8;Quality:+0.2;Size:-0.0;Momentum:-0.6;LowVol:-0.8,NoDerivatives,6,30,5.1,hard 12%,151,18.1,Bull,12.9,4.39,3.2,78,55,73,44,true,Hedge,Buy index puts 1% notional,26,13,BrokerC,MKT,87,RegimeShift,Hedge,Volatility spike and breadth deterioration,67,-17,73,5,false,Monitor dispersion and breadth
P6022,Active,IRA,USD,2025-07-03,1560095,179952,1380143,1.0,59.4,22.8,8.6,9.1,MUB:33.3%;GLD:33.3%;IEF:33.3%,US:63.9;EU:16.9;APAC:12.3;EM:3.6;Other:3.3,Value:-0.6;Growth:-0.3;Quality:-0.0;Size:+0.8;Momentum:-1.0;LowVol:-0.5,NoDerivatives,6,30,5.0,hard 12%,190,17.3,Sideways,16.9,4.04,2.8,100,-18,38,58,false,Sell,Trim extended winner -1%,26,-12,BrokerD,LMT,91,None,None,Normal monitoring,38,-58,123,3,false,Monitor dispersion and breadth
P6023,Opportunistic,401k,USD,2025-03-12,954411,65903,888508,1.0,64.1,12.7,15.4,7.8,QQQ:28.9%;MUB:16.8%;VOO:25.5%;AAPL:28.9%,US:62.6;EU:15.0;APAC:12.3;EM:7.5;Other:2.7,Value:+0.9;Growth:-0.4;Quality:+0.5;Size:-0.3;Momentum:+0.2;LowVol:-0.7,,8,30,5.9,trailing 7%,163,21.9,Bull,14.9,4.46,3.4,89,21,60,56,false,Sell,Trim extended winner -1%,15,-7,BrokerD,LMT,92,None,None,Normal monitoring,-51,18,78,4,false,Tax-aware sells next window
P6024,Hands-off,IRA,USD,2025-11-08,384179,25779,358400,1.0,72.0,19.8,0.4,7.7,IEF:10.6%;BRK.B:20.5%;BND:16.0%;AMZN:8.0%;XLF:22.5%;TLT:22.5%,US:64.8;EU:16.1;APAC:7.1;EM:9.5;Other:2.4,Value:-0.9;Growth:-0.4;Quality:-0.1;Size:+0.1;Momentum:+0.6;LowVol:-0.8,MaxPos5%;NoDerivatives,10,30,3.5,trailing 8%,168,19.5,Bear,27.8,4.01,2.1,184,-65,14,74,true,Hedge,Buy index puts 1% notional,-12,-13,BrokerC,LMT,86,RegimeShift,Reduce,Volatility spike and breadth deterioration,-3,-56,106,4,false,Tax-aware sells next window
P6025,Hands-off,401k,USD,2024-08-13,893050,60146,832904,1.0,66.0,24.3,0.2,9.5,IEF:25.8%;MUB:21.6%;VNQ:26.3%;QQQ:26.3%,US:70.6;EU:10.1;APAC:11.7;EM:4.1;Other:3.5,Value:+0.1;Growth:+0.6;Quality:+0.7;Size:-1.0;Momentum:-0.3;LowVol:0.0,,6,25,5.6,trailing 8%,128,18.7,Sideways,19.7,3.96,3.2,104,-12,39,69,false,Buy,Add to core equity +1%,9,-34,BrokerD,MKT,95,None,None,Normal monitoring,75,-60,201,4,false,Monitor dispersion and breadth
P6026,Hands-off,Trust,USD,2024-10-15,486674,22067,464607,1.0,66.6,27.8,0.0,5.6,MUB:20.9%;BRK.B:28.4%;TSLA:28.4%;BND:22.4%,US:75.6;EU:5.5;APAC:7.4;EM:7.1;Other:4.4,Value:+0.9;Growth:-0.8;Quality:+0.4;Size:+0.7;Momentum:-0.6;LowVol:-0.1,MaxPos7%;NoDerivatives,7,25,4.0,hard 10%,170,17.0,Bull,13.0,3.94,3.4,104,108,100,55,true,Rebalance,Rebalance back to target bands,-11,12,BrokerC,LMT,100,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,29,-19,141,5,false,Monitor dispersion and breadth
P6027,Opportunistic,Roth,USD,2024-12-02,1415627,91188,1324439,1.0,71.5,14.9,5.8,7.8,TLT:17.2%;VTI:14.5%;BRK.B:20.4%;MSFT:18.6%;XLF:12.6%;QQQ:16.8%,US:67.1;EU:10.2;APAC:12.9;EM:8.0;Other:1.8,Value:-0.3;Growth:+0.8;Quality:-0.6;Size:-0.3;Momentum:-0.2;LowVol:-0.8,MaxPos7%,7,25,5.2,hard 12%,272,21.4,Sideways,20.5,4.5,3.0,101,41,83,56,false,Sell,Trim extended winner -1%,33,-32,BrokerC,LMT,96,None,None,Normal monitoring,-20,-48,11,3,false,Increase defensive factor exposure
P6028,Cautious,Taxable,USD,2025-01-11,321528,51059,270469,1.0,35.9,41.4,4.8,17.9,MSFT:18.5%;IEF:21.2%;HYG:21.2%;BRK.B:18.0%;VOO:21.0%,US:68.4;EU:17.4;APAC:7.5;EM:6.7;Other:0.1,Value:-0.5;Growth:+0.4;Quality:-0.2;Size:-0.5;Momentum:-0.3;LowVol:+0.4,NoDerivatives;NoMargin,5,30,3.1,trailing 8%,93,15.4,Volatile,22.5,3.7,2.3,143,33,68,42,false,Hedge,Add TLT +1% as duration hedge,15,-35,BrokerD,VWAP,86,None,None,Normal monitoring,-27,10,25,4,false,Monitor dispersion and breadth
P6029,Opportunistic,Taxable,USD,2025-11-02,471210,33814,437396,1.0,77.5,13.5,3.4,5.6,TLT:33.3%;VNQ:33.3%;IEF:33.3%,US:73.0;EU:9.6;APAC:8.0;EM:4.7;Other:4.7,Value:+1.0;Growth:-0.9;Quality:-0.2;Size:-0.2;Momentum:-0.2;LowVol:-0.4,,7,35,5.8,hard 12%,209,24.6,Bull,16.5,4.06,3.5,75,101,94,66,false,Buy,Add to core equity +1%,2,-5,BrokerB,MKT,99,None,None,Normal monitoring,49,10,26,5,false,Tighten stops on momentum names
P6030,Active,Taxable,USD,2025-03-21,2152032,163240,1988792,1.0,58.2,28.5,7.1,6.2,AAPL:21.0%;VOO:8.8%;BRK.B:21.0%;VTI:21.0%;BND:8.1%;VNQ:20.1%,US:64.7;EU:14.8;APAC:9.6;EM:6.5;Other:4.4,Value:-0.4;Growth:+1.0;Quality:+0.2;Size:0.0;Momentum:-0.8;LowVol:+0.2,MaxPos5%;NoDerivatives,8,25,4.4,trailing 8%,223,19.2,Bull,16.9,4.38,2.3,114,9,53,39,false,Rebalance,Shift +1% to bonds from equity,8,11,BrokerA,LMT,85,None,None,Normal monitoring,-33,-29,34,4,false,Increase defensive factor exposure
P6031,Cautious,401k,USD,2025-02-13,243382,19878,223504,1.0,44.1,36.3,2.2,17.3,VOO:26.6%;IEF:24.3%;TSLA:22.5%;GLD:26.6%,US:63.7;EU:16.1;APAC:10.1;EM:9.9;Other:0.3,Value:+0.8;Growth:+0.5;Quality:+0.6;Size:+0.2;Momentum:-0.1;LowVol:-0.8,NoMargin,6,25,4.7,trailing 8%,97,12.6,Bull,14.0,4.76,3.4,117,68,81,28,false,Sell,Trim extended winner -1%,1,4,BrokerD,MKT,97,None,None,Normal monitoring,117,-41,218,3,false,Tax-aware sells next window
P6032,Hands-off,Roth,USD,2024-10-12,785516,57472,728044,1.0,72.6,19.6,2.0,5.9,VTI:15.6%;MUB:13.3%;TSLA:23.8%;TLT:23.8%;GLD:23.4%,US:59.4;EU:16.7;APAC:6.7;EM:12.4;Other:4.8,Value:+0.1;Growth:+0.7;Quality:-0.3;Size:+0.5;Momentum:+1.0;LowVol:-0.1,,5,35,5.2,hard 10%,170,19.3,Volatile,30.6,4.38,4.3,118,-35,44,90,true,Hedge,Buy index puts 1% notional,34,-17,BrokerB,LMT,93,VAR>budget,Reduce,Risk above budget threshold,-38,-48,39,4,false,Within IPS guidelines
P6033,Cautious,401k,USD,2025-10-25,806727,126285,680442,1.0,49.8,33.3,5.4,11.4,BND:20.8%;VNQ:16.0%;VTI:9.9%;VOO:20.7%;TLT:11.9%;MSFT:20.8%,US:67.1;EU:12.5;APAC:8.6;EM:10.3;Other:1.4,Value:+0.4;Growth:+0.8;Quality:-0.5;Size:-0.3;Momentum:-0.9;LowVol:+0.5,ESGOnly;NoMargin,10,35,3.3,trailing 8%,120,18.8,Volatile,26.1,3.6,2.0,180,9,53,52,false,Rebalance,Shift +1% to bonds from equity,22,-11,BrokerB,MKT,96,None,None,Normal monitoring,61,19,198,5,false,Tax-aware sells next window
P6034,Hands-off,Taxable,USD,2025-02-02,346033,32813,313220,1.0,72.5,21.5,0.0,6.1,AAPL:22.1%;TSLA:17.8%;MSFT:17.8%;IEF:20.2%;QQQ:22.1%,US:65.3;EU:13.5;APAC:5.4;EM:12.7;Other:3.0,Value:-0.9;Growth:+0.9;Quality:+1.0;Size:-0.9;Momentum:+0.9;LowVol:-0.5,ESGOnly;MaxPos7%,8,30,5.4,trailing 8%,95,19.5,Sideways,16.3,4.44,2.1,107,58,81,52,false,Hedge,Add TLT +1% as duration hedge,-5,3,BrokerD,LMT,95,None,None,Normal monitoring,66,-43,100,4,false,Within IPS guidelines
P6035,Active,IRA,USD,2025-10-05,2191081,154007,2037074,1.06,67.9,26.1,0.0,6.0,IEF:21.7%;BND:21.7%;HYG:15.7%;VNQ:21.7%;AAPL:19.4%,US:62.4;EU:17.4;APAC:6.5;EM:10.7;Other:3.1,Value:-0.4;Growth:-0.4;Quality:+0.3;Size:0.0;Momentum:-0.2;LowVol:-1.0,,7,25,5.1,hard 12%,194,19.2,Volatile,22.9,3.95,2.6,138,-54,34,76,true,Hedge,Buy index puts 1% notional,9,5,BrokerC,MKT,95,Drift>tolerance,Reduce,Allocation drift beyond policy bands,3,-47,132,2,false,Tax-aware sells next window
P6036,Cautious,IRA,USD,2025-06-15,225308,35328,189980,1.0,41.4,33.8,9.1,15.6,GLD:10.5%;TLT:20.9%;IEF:20.4%;VNQ:11.8%;TSLA:15.6%;VOO:20.9%,US:66.9;EU:14.6;APAC:4.6;EM:10.8;Other:3.1,Value:-0.1;Growth:+0.4;Quality:-0.9;Size:-0.5;Momentum:+0.4;LowVol:+0.6,NoMargin,7,25,3.6,trailing 8%,154,19.0,Bear,30.9,4.09,1.1,160,-63,14,68,false,NoAction,Within bands; monitor,23,0,BrokerC,MKT,0,None,None,Normal monitoring,45,-49,182,5,false,Monitor dispersion and breadth
P6037,Opportunistic,401k,USD,2025-12-26,882653,27422,855231,1.06,65.0,18.6,8.2,8.2,TSLA:9.9%;VOO:21.6%;VTI:18.0%;HYG:20.4%;AMZN:13.9%;MSFT:16.1%,US:66.3;EU:16.9;APAC:9.8;EM:6.7;Other:0.3,Value:+0.3;Growth:-0.3;Quality:-0.8;Size:-0.8;Momentum:-0.4;LowVol:-0.1,,6,35,6.4,hard 12%,184,25.3,Bull,16.1,3.79,3.2,112,6,66,48,false,Rebalance,Shift +1% to bonds from equity,-15,-2,BrokerB,MKT,93,None,None,Normal monitoring,-16,-48,22,4,false,Increase defensive factor exposure
P6038,Opportunistic,IRA,USD,2025-07-14,837652,72258,765394,1.0,71.0,17.2,4.0,7.7,AMZN:19.0%;VOO:11.6%;MUB:21.3%;XLF:18.6%;AAPL:9.9%;BND:19.6%,US:70.6;EU:5.9;APAC:15.1;EM:5.7;Other:2.7,Value:-0.0;Growth:-0.8;Quality:+0.4;Size:+0.8;Momentum:-0.0;LowVol:0.0,MaxPos5%;NoDerivatives,6,25,6.2,trailing 7%,222,22.2,Bull,13.9,4.82,2.6,104,40,61,46,false,Sell,Trim extended winner -1%,-14,-22,BrokerB,LMT,85,None,None,Normal monitoring,118,-28,158,5,false,Monitor dispersion and breadth
P6039,Active,IRA,USD,2025-03-28,773220,62665,710555,1.0,51.0,19.5,22.0,7.5,VNQ:26.8%;MUB:18.4%;AMZN:27.4%;IEF:27.4%,US:65.6;EU:12.0;APAC:15.5;EM:4.2;Other:2.6,Value:-0.9;Growth:-0.6;Quality:+0.2;Size:+0.8;Momentum:+0.5;LowVol:+0.8,NoDerivatives,6,25,4.1,trailing 8%,133,24.8,Bull,16.1,4.51,2.5,103,29,49,46,false,NoAction,Within bands; monitor,29,-15,BrokerB,LMT,95,None,None,Normal monitoring,59,-47,92,5,false,Within IPS guidelines
P6040,Cautious,Roth,USD,2025-04-20,590084,49638,540446,1.0,43.2,36.8,2.5,17.4,MUB:33.3%;QQQ:33.3%;MSFT:33.3%,US:71.3;EU:15.0;APAC:7.8;EM:3.0;Other:2.9,Value:+0.5;Growth:-0.3;Quality:-0.1;Size:-0.9;Momentum:-1.0;LowVol:-0.8,ESGOnly;NoDerivatives;NoMargin,6,35,3.2,trailing 8%,167,17.6,Volatile,31.7,4.65,3.9,167,26,66,62,false,Buy,Add to core equity +1%,29,-2,BrokerB,MKT,98,None,None,Normal monitoring,87,9,191,5,false,Monitor dispersion and breadth
P6041,Hands-off,Trust,USD,2025-09-05,562224,39342,522882,1.0,63.4,27.3,1.3,8.1,HYG:9.8%;BRK.B:17.2%;XLF:23.5%;TSLA:14.0%;MSFT:23.5%;AAPL:12.0%,US:68.3;EU:10.4;APAC:14.9;EM:3.9;Other:2.5,Value:+0.2;Growth:-0.5;Quality:+0.3;Size:-0.9;Momentum:+0.3;LowVol:-0.5,ESGOnly,7,25,4.7,trailing 8%,167,17.3,Bear,34.2,3.64,2.5,195,-36,28,86,true,Hedge,Buy index puts 1% notional,13,-18,BrokerC,LMT,100,VAR>budget,Pause,Risk above budget threshold,-2,20,63,2,false,Monitor dispersion and breadth
P6042,Opportunistic,401k,USD,2025-07-05,619563,44682,574881,1.0,68.4,12.4,10.7,8.6,VNQ:35.2%;BRK.B:29.7%;XLF:35.2%,US:63.6;EU:16.5;APAC:9.3;EM:6.1;Other:4.4,Value:+0.2;Growth:+0.2;Quality:+0.5;Size:+0.3;Momentum:+0.6;LowVol:+0.3,,5,35,6.2,trailing 9%,267,34.5,Sideways,14.4,4.91,2.1,120,52,64,59,false,NoAction,Within bands; monitor,1,12,BrokerC,LMT,96,None,None,Normal monitoring,44,-49,48,4,false,Tighten stops on momentum names
P6043,Active,Roth,USD,2025-03-28,708639,79362,629277,1.0,64.2,22.5,5.6,7.7,TLT:33.3%;VTI:33.3%;TSLA:33.3%,US:71.4;EU:12.8;APAC:8.9;EM:4.4;Other:2.5,Value:+0.1;Growth:-0.9;Quality:+1.0;Size:-0.9;Momentum:+0.1;LowVol:-0.9,MaxPos7%;NoDerivatives,6,35,4.2,trailing 9%,137,24.8,Volatile,25.3,4.74,4.5,163,-56,32,70,false,Hedge,Add TLT +1% as duration hedge,16,-37,BrokerB,MKT,89,None,None,Normal monitoring,58,-24,168,4,false,Tighten stops on momentum names
P6044,Cautious,IRA,USD,2025-11-26,423474,49654,373820,1.0,42.5,32.0,10.0,15.5,BND:34.8%;AMZN:30.3%;IEF:34.8%,US:68.4;EU:13.3;APAC:8.1;EM:9.8;Other:0.4,Value:+0.4;Growth:-0.9;Quality:-0.5;Size:-0.4;Momentum:0.0;LowVol:-0.1,ESGOnly;MaxPos5%;NoMargin,10,25,4.3,trailing 8%,98,17.6,Bull,11.6,4.78,3.4,87,100,93,23,false,Buy,Add to core equity +1%,7,-9,BrokerD,LMT,97,None,None,Normal monitoring,20,-51,135,3,false,Increase defensive factor exposure
P6045,Opportunistic,IRA,USD,2025-03-19,1042679,31971,1010708,1.11,70.0,12.0,9.2,8.8,VNQ:33.3%;BRK.B:33.3%;GLD:33.3%,US:63.5;EU:18.9;APAC:6.7;EM:5.7;Other:5.1,Value:-0.6;Growth:+0.6;Quality:-0.8;Size:+0.1;Momentum:-0.7;LowVol:+0.5,MaxPos5%,6,35,6.3,hard 12%,240,27.4,Sideways,15.8,3.8,2.9,133,54,79,62,false,Buy,Add to core equity +1%,4,15,BrokerA,MKT,97,None,None,Normal monitoring,26,-51,-6,3,false,Tax-aware sells next window
P6046,Active,Roth,USD,2024-11-22,2023427,150356,1873071,1.0,64.2,23.1,4.1,8.6,AAPL:17.9%;MUB:9.3%;VOO:22.4%;GLD:16.0%;XLF:22.4%;TLT:11.9%,US:65.9;EU:14.5;APAC:10.1;EM:8.6;Other:1.0,Value:-0.2;Growth:-0.0;Quality:-0.6;Size:+0.8;Momentum:+0.8;LowVol:-0.1,NoDerivatives,10,25,5.2,hard 12%,176,25.8,Bull,14.5,4.6,2.7,104,83,76,51,false,Buy,Add to core equity +1%,33,-32,BrokerC,MKT,96,None,None,Normal monitoring,120,-54,119,3,false,Tax-aware sells next window
P6047,Systematic,Taxable,USD,2024-11-11,1175430,96741,1078689,1.0,60.2,32.3,0.0,7.5,IEF:13.0%;GLD:21.9%;VOO:9.4%;VNQ:20.6%;MSFT:20.0%;AAPL:15.2%,US:67.4;EU:16.5;APAC:4.7;EM:7.4;Other:4.1,Value:+1.0;Growth:+0.9;Quality:-0.6;Size:+0.1;Momentum:+0.7;LowVol:+0.3,NoDerivatives,10,30,5.4,trailing 8%,171,18.3,Bull,11.9,4.9,3.3,97,20,67,47,false,Sell,Trim extended winner -1%,-3,-24,BrokerB,MKT,86,None,None,Normal monitoring,67,-26,50,5,false,Tax-aware sells next window
P6048,Cautious,Trust,USD,2025-03-11,346648,46722,299926,1.0,39.9,34.9,7.7,17.6,QQQ:11.6%;VNQ:11.1%;BND:16.1%;MUB:21.2%;XLF:21.2%;VTI:18.8%,US:66.0;EU:9.2;APAC:10.8;EM:10.4;Other:3.5,Value:-0.8;Growth:+0.5;Quality:-0.0;Size:-0.1;Momentum:-0.8;LowVol:-0.3,MaxPos7%;NoDerivatives;NoMargin,8,30,5.3,hard 10%,112,12.5,Volatile,26.7,3.92,3.9,117,12,52,53,false,Rebalance,Shift +1% to bonds from equity,1,4,BrokerA,MKT,90,None,None,Normal monitoring,10,-28,3,4,false,Tighten stops on momentum names
P6049,Active,401k,USD,2025-08-02,632269,38579,593690,1.0,59.9,28.9,2.7,8.5,QQQ:21.6%;IEF:26.1%;TSLA:26.1%;VOO:26.1%,US:68.2;EU:14.3;APAC:10.6;EM:3.8;Other:3.0,Value:+0.8;Growth:+0.8;Quality:+0.1;Size:+0.6;Momentum:+0.9;LowVol:-0.0,,7,25,5.0,hard 12%,151,19.3,Volatile,31.6,4.14,2.3,165,-44,14,79,true,Hedge,Buy index puts 1% notional,32,12,BrokerC,MKT,92,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-36,-58,-65,3,false,Tighten stops on momentum names
P6050,Cautious,Trust,USD,2025-04-11,274402,24853,249549,1.0,45.8,35.6,6.6,12.1,TLT:18.4%;AMZN:21.2%;VTI:17.8%;VOO:8.2%;GLD:13.3%;BRK.B:21.2%,US:65.1;EU:16.0;APAC:6.0;EM:11.6;Other:1.3,Value:-0.5;Growth:+0.9;Quality:+0.6;Size:-0.9;Momentum:-0.0;LowVol:-0.2,MaxPos5%;NoDerivatives;NoMargin,7,35,3.4,trailing 10%,130,19.0,Bull,16.2,4.79,2.5,111,63,76,34,false,Buy,Add to core equity +1%,24,-36,BrokerB,MKT,94,None,None,Normal monitoring,5,-41,2,5,false,Within IPS guidelines
P6051,Opportunistic,Roth,USD,2025-10-27,1384859,91556,1293303,1.0,60.4,12.8,21.9,4.9,TLT:17.7%;XLF:18.2%;MSFT:17.3%;QQQ:14.4%;AMZN:20.5%;BND:11.9%,US:62.1;EU:20.4;APAC:6.2;EM:6.6;Other:4.8,Value:-0.6;Growth:-0.4;Quality:-0.2;Size:-0.4;Momentum:-0.1;LowVol:-1.0,NoDerivatives,5,30,5.6,trailing 7%,204,25.6,Volatile,31.3,3.89,3.8,155,41,73,77,true,Hedge,Buy index puts 1% notional,-15,-5,BrokerA,MKT,98,VAR>budget,Reduce,Risk above budget threshold,-39,-21,100,2,false,Tighten stops on momentum names
P6052,Active,Taxable,USD,2025-11-10,1450461,172899,1277562,1.06,69.9,20.1,1.7,8.4,HYG:12.5%;TLT:22.9%;VNQ:20.4%;BND:21.3%;AAPL:22.9%,US:57.5;EU:18.5;APAC:13.7;EM:6.2;Other:4.2,Value:+0.4;Growth:-0.9;Quality:+1.0;Size:+0.4;Momentum:-0.4;LowVol:+0.6,MaxPos6%,6,25,5.3,trailing 9%,222,26.8,Volatile,23.1,4.16,2.6,144,30,62,74,true,Hedge,Buy index puts 1% notional,-2,-2,BrokerD,MKT,91,VAR>budget,Hedge,Risk above budget threshold,-19,-6,-49,2,false,Within IPS guidelines
P6053,Hands-off,IRA,USD,2024-10-20,577724,47180,530544,1.0,69.5,23.2,0.9,6.4,IEF:33.3%;TLT:33.3%;QQQ:33.3%,US:64.4;EU:12.3;APAC:10.7;EM:10.4;Other:2.2,Value:+0.2;Growth:-0.6;Quality:+0.7;Size:-0.6;Momentum:-0.4;LowVol:+0.7,ESGOnly;MaxPos6%,6,35,3.1,hard 10%,130,14.1,Volatile,28.9,4.85,4.2,126,-53,36,71,true,Reduce,"Cut high-beta by 2-3%, add cash",35,-17,BrokerA,MKT,95,VAR>budget,Reduce,Risk above budget threshold,-4,-36,-6,3,false,Within IPS guidelines
P6054,Active,Taxable,USD,2025-06-30,2052194,164460,1887734,1.0,67.5,18.8,8.0,5.7,VNQ:26.2%;VTI:25.7%;MSFT:26.2%;AMZN:22.0%,US:69.0;EU:17.8;APAC:4.7;EM:5.4;Other:3.1,Value:-0.4;Growth:-0.8;Quality:+0.9;Size:+0.4;Momentum:+0.3;LowVol:+0.4,MaxPos7%,10,25,5.3,trailing 9%,194,20.4,Bull,17.8,3.96,2.5,101,78,82,66,true,Hedge,Buy index puts 1% notional,-4,13,BrokerD,LMT,92,VAR>budget,Pause,Risk above budget threshold,39,-32,91,5,false,Monitor dispersion and breadth
P6055,Active,Trust,USD,2025-12-19,529649,59520,470129,1.0,64.7,22.0,3.5,9.8,QQQ:20.5%;MSFT:24.3%;VNQ:18.3%;HYG:24.3%;TSLA:12.6%,US:65.6;EU:12.7;APAC:8.9;EM:8.1;Other:4.7,Value:-0.1;Growth:-0.3;Quality:+0.2;Size:+0.9;Momentum:-0.8;LowVol:-0.1,,5,35,5.2,hard 12%,164,27.5,Bull,15.6,3.83,2.5,101,106,100,41,false,Buy,Add to core equity +1%,-11,4,BrokerC,LMT,100,None,None,Normal monitoring,65,-4,103,3,false,Tax-aware sells next window
P6056,Hands-off,401k,USD,2025-11-15,821993,48893,773100,1.0,67.9,26.8,0.0,5.3,TSLA:18.3%;BND:23.4%;HYG:23.4%;VNQ:16.0%;AAPL:19.0%,US:60.3;EU:16.6;APAC:9.3;EM:10.3;Other:3.4,Value:-0.5;Growth:-0.2;Quality:-0.7;Size:-0.4;Momentum:+0.6;LowVol:0.0,ESGOnly;NoDerivatives,5,30,3.6,trailing 8%,160,19.9,Bull,11.3,3.86,2.3,108,18,65,37,false,Rebalance,Shift +1% to bonds from equity,20,-9,BrokerA,LMT,93,None,None,Normal monitoring,115,-3,88,3,false,Tax-aware sells next window
P6057,Systematic,Taxable,USD,2024-08-22,1932179,119059,1813120,1.0,60.1,31.8,0.0,8.1,XLF:16.7%;QQQ:19.4%;VOO:20.4%;AAPL:18.1%;VNQ:9.7%;AMZN:15.7%,US:67.9;EU:16.6;APAC:9.0;EM:3.2;Other:3.3,Value:+0.4;Growth:+0.7;Quality:+0.5;Size:+0.4;Momentum:-0.9;LowVol:-0.9,NoDerivatives,8,30,5.3,trailing 9%,230,22.4,Bear,26.8,4.41,1.7,210,-98,15,60,false,Sell,Trim extended winner -1%,18,-5,BrokerC,LMT,95,None,None,Normal monitoring,65,-14,77,3,false,Tax-aware sells next window
P6058,Systematic,401k,USD,2025-02-17,1019496,58538,960958,1.0,60.3,32.0,0.0,7.7,AAPL:25.0%;VNQ:25.0%;MSFT:25.0%;BRK.B:25.0%,US:57.6;EU:21.2;APAC:5.9;EM:11.6;Other:3.7,Value:-0.3;Growth:+0.3;Quality:+0.2;Size:+0.8;Momentum:+0.2;LowVol:-0.9,NoDerivatives,6,30,4.5,trailing 9%,146,19.2,Volatile,25.5,3.94,3.4,129,-20,37,70,false,Sell,Trim extended winner -1%,25,-3,BrokerA,LMT,91,None,None,Normal monitoring,76,-42,57,5,false,Monitor dispersion and breadth
P6059,Opportunistic,401k,USD,2024-09-27,368139,25716,342423,1.0,75.2,15.7,1.9,7.2,MSFT:33.3%;VTI:33.3%;TLT:33.3%,US:69.5;EU:11.0;APAC:10.6;EM:4.9;Other:3.9,Value:-0.2;Growth:-0.6;Quality:-0.8;Size:-0.5;Momentum:-0.5;LowVol:-0.8,NoDerivatives,7,35,4.4,trailing 9%,249,34.0,Volatile,21.5,3.79,3.8,114,50,78,67,false,Rebalance,Shift +1% to bonds from equity,28,-37,BrokerB,LMT,100,None,None,Normal monitoring,47,3,126,4,false,Tax-aware sells next window
P6060,Opportunistic,IRA,USD,2024-11-21,649108,22856,626252,1.24,77.7,15.5,2.2,4.7,VOO:20.1%;XLF:9.7%;VNQ:19.5%;TLT:15.0%;VTI:16.3%;HYG:19.3%,US:66.6;EU:15.8;APAC:6.2;EM:8.2;Other:3.2,Value:-0.7;Growth:-1.0;Quality:-0.9;Size:+0.3;Momentum:-0.8;LowVol:-1.0,,7,30,4.5,trailing 7%,244,28.4,Sideways,21.9,3.9,2.5,121,28,63,72,false,NoAction,Within bands; monitor,19,11,BrokerA,MKT,0,None,None,Normal monitoring,26,-33,43,3,false,Within IPS guidelines
P6061,Cautious,IRA,USD,2024-12-13,300908,39580,261328,1.0,50.8,34.8,1.3,13.1,AMZN:24.0%;AAPL:20.0%;MSFT:24.0%;MUB:10.8%;TSLA:21.2%,US:73.5;EU:7.7;APAC:10.4;EM:5.4;Other:3.0,Value:+0.6;Growth:-0.1;Quality:-0.2;Size:-0.7;Momentum:-0.3;LowVol:+0.5,NoMargin,6,35,3.4,trailing 8%,115,19.3,Volatile,21.6,4.06,2.6,141,25,64,49,false,Buy,Add to core equity +1%,14,-39,BrokerB,LMT,94,None,None,Normal monitoring,-56,-17,39,5,false,Increase defensive factor exposure
P6062,Opportunistic,Trust,USD,2024-07-06,1792187,143514,1648673,1.0,64.1,21.5,9.1,5.4,QQQ:20.7%;VOO:20.7%;IEF:14.9%;MSFT:20.7%;HYG:14.4%;VNQ:8.7%,US:63.8;EU:19.8;APAC:9.2;EM:4.2;Other:2.9,Value:-0.7;Growth:+0.5;Quality:+0.8;Size:-0.1;Momentum:+1.0;LowVol:-0.0,,5,35,4.7,hard 12%,230,24.2,Volatile,21.9,3.62,3.3,162,-47,39,67,false,Buy,Add to core equity +1%,-15,-8,BrokerB,MKT,99,None,None,Normal monitoring,24,18,20,4,false,Increase defensive factor exposure
P6063,Cautious,Trust,USD,2025-06-15,514090,55623,458467,1.0,37.6,44.4,0.4,17.6,BND:14.0%;AMZN:19.3%;IEF:20.3%;HYG:17.5%;AAPL:20.1%;VTI:8.9%,US:70.3;EU:15.2;APAC:6.0;EM:8.3;Other:0.2,Value:-0.8;Growth:-0.2;Quality:-0.1;Size:+0.3;Momentum:-0.3;LowVol:+0.5,NoMargin,5,25,5.9,trailing 8%,138,18.9,Sideways,21.0,3.55,2.3,95,60,67,52,false,Rebalance,Shift +1% to bonds from equity,18,9,BrokerC,MKT,93,None,None,Normal monitoring,92,-17,164,4,false,Monitor dispersion and breadth
P6064,Hands-off,Roth,USD,2024-07-08,684638,29807,654831,1.0,70.0,17.8,6.2,6.0,TLT:19.0%;VOO:12.6%;BRK.B:20.6%;AAPL:15.7%;MSFT:18.1%;VTI:14.0%,US:71.2;EU:13.2;APAC:10.5;EM:3.2;Other:1.8,Value:-0.1;Growth:0.0;Quality:+0.6;Size:+0.9;Momentum:+0.7;LowVol:+0.6,MaxPos6%,5,35,5.2,trailing 8%,157,19.6,Bear,32.0,4.02,1.7,193,32,67,78,true,Rebalance,Rebalance back to target bands,-12,3,BrokerA,LMT,88,Drift>tolerance,Hedge,Allocation drift beyond policy bands,28,-27,155,3,false,Tax-aware sells next window
P6065,Systematic,Trust,USD,2025-08-23,1518890,124260,1394630,1.0,60.1,32.5,0.0,7.4,AAPL:33.3%;AMZN:33.3%;VTI:33.3%,US:64.7;EU:14.4;APAC:11.5;EM:9.1;Other:0.3,Value:-0.8;Growth:+0.9;Quality:+0.9;Size:-0.1;Momentum:-0.1;LowVol:-0.2,,6,35,5.4,trailing 8%,171,17.5,Volatile,30.5,5.28,3.6,171,20,61,75,true,Reduce,"Cut high-beta by 2-3%, add cash",35,-27,BrokerC,VWAP,94,VAR>budget,Reduce,Risk above budget threshold,16,2,100,3,true,Tighten stops on momentum names
P6066,Systematic,401k,USD,2025-07-06,647064,48481,598583,1.0,57.7,22.7,9.7,9.9,BRK.B:33.3%;MSFT:33.3%;GLD:33.3%,US:72.4;EU:6.5;APAC:11.6;EM:7.6;Other:2.0,Value:+0.1;Growth:-0.8;Quality:-0.5;Size:-1.0;Momentum:-0.2;LowVol:-0.9,MaxPos8%;NoDerivatives,10,35,5.0,hard 12%,203,27.5,Sideways,17.3,4.63,2.1,111,33,65,52,true,Hedge,Buy index puts 1% notional,33,-22,BrokerB,LMT,90,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,62,-15,86,5,false,Monitor dispersion and breadth
P6067,Hands-off,IRA,USD,2025-11-12,848785,70636,778149,1.0,63.3,28.1,0.0,8.5,QQQ:25.5%;XLF:25.5%;BND:23.4%;MUB:25.5%,US:65.5;EU:20.6;APAC:5.9;EM:4.0;Other:4.0,Value:+0.2;Growth:-0.7;Quality:+0.2;Size:+0.1;Momentum:+0.5;LowVol:+0.1,NoDerivatives,8,30,4.4,trailing 10%,164,18.6,Volatile,29.4,4.14,2.1,138,43,81,77,true,Hedge,Buy index puts 1% notional,-3,-31,BrokerC,MKT,90,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,42,-20,18,4,false,Monitor dispersion and breadth
P6068,Active,Trust,USD,2025-04-04,1499339,154163,1345176,1.0,55.1,19.6,17.5,7.8,MSFT:19.1%;VTI:15.8%;GLD:12.2%;HYG:20.2%;AAPL:17.6%;TLT:15.2%,US:57.6;EU:17.4;APAC:11.7;EM:10.0;Other:3.3,Value:+1.0;Growth:-0.8;Quality:+0.9;Size:+0.4;Momentum:-0.0;LowVol:+0.1,NoDerivatives,10,25,4.6,trailing 9%,126,24.4,Volatile,26.0,4.44,2.6,114,-8,39,69,false,Sell,Trim extended winner -1%,2,-25,BrokerA,LMT,100,None,None,Normal monitoring,8,-52,22,5,false,Within IPS guidelines
P6069,Cautious,IRA,USD,2024-08-27,762787,75363,687424,1.0,50.1,34.6,0.0,15.3,MSFT:26.5%;HYG:26.5%;VOO:26.5%;VTI:20.5%,US:67.6;EU:12.2;APAC:8.8;EM:7.8;Other:3.6,Value:+0.5;Growth:-0.3;Quality:+0.6;Size:-0.8;Momentum:+0.7;LowVol:-0.9,NoDerivatives;NoMargin,5,25,5.9,trailing 10%,100,19.8,Bull,11.0,3.61,3.3,78,26,49,22,false,NoAction,Within bands; monitor,10,-32,BrokerA,LMT,88,None,None,Normal monitoring,98,-28,139,3,false,Tax-aware sells next window
P6070,Systematic,401k,USD,2024-09-18,1475335,145852,1329483,1.0,63.2,20.4,7.2,9.2,AAPL:20.6%;MSFT:8.1%;BND:16.8%;IEF:13.4%;QQQ:20.6%;HYG:20.4%,US:68.0;EU:12.8;APAC:8.3;EM:10.5;Other:0.3,Value:-0.0;Growth:-0.9;Quality:+1.0;Size:-0.5;Momentum:+0.9;LowVol:-0.1,NoDerivatives,7,25,4.3,trailing 8%,171,23.3,Bear,26.2,3.28,2.2,186,-44,32,78,true,Hedge,Buy index puts 1% notional,30,8,BrokerA,MKT,86,VAR>budget,Reduce,Risk above budget threshold,-52,-10,54,4,false,Monitor dispersion and breadth
P6071,Active,401k,USD,2024-08-21,1282396,127590,1154806,1.16,61.5,25.1,5.2,8.2,VOO:22.7%;AAPL:10.1%;TSLA:16.6%;VNQ:10.2%;HYG:17.8%;AMZN:22.7%,US:64.5;EU:16.7;APAC:9.6;EM:7.8;Other:1.4,Value:-0.4;Growth:+0.8;Quality:+0.4;Size:+0.2;Momentum:-0.8;LowVol:+0.7,MaxPos5%;NoDerivatives,8,35,5.9,hard 12%,123,17.0,Sideways,17.1,3.89,3.3,116,-10,49,47,false,Sell,Trim extended winner -1%,17,0,BrokerC,VWAP,94,None,None,Normal monitoring,35,-39,127,4,false,Tax-aware sells next window
P6072,Opportunistic,Trust,USD,2024-12-01,1200272,42341,1157931,1.05,64.2,17.0,11.7,7.0,AAPL:11.6%;MSFT:15.1%;VTI:23.1%;VOO:14.1%;AMZN:23.1%;VNQ:12.9%,US:68.4;EU:15.6;APAC:11.1;EM:4.7;Other:0.2,Value:-0.4;Growth:0.0;Quality:-0.9;Size:+0.8;Momentum:-1.0;LowVol:-0.1,NoDerivatives,7,35,5.0,trailing 7%,213,30.3,Sideways,20.8,4.48,3.0,118,4,47,56,false,NoAction,Within bands; monitor,4,-14,BrokerB,MKT,0,None,None,Normal monitoring,47,-18,182,3,false,Tax-aware sells next window
P6073,Opportunistic,Taxable,USD,2025-11-26,1123097,78193,1044904,1.0,73.3,10.9,10.3,5.6,BND:22.6%;AMZN:22.6%;TSLA:8.0%;BRK.B:22.6%;HYG:13.5%;IEF:10.8%,US:58.8;EU:20.3;APAC:9.7;EM:10.3;Other:0.9,Value:+0.3;Growth:0.0;Quality:+1.0;Size:+0.3;Momentum:+0.5;LowVol:+0.3,,7,30,6.0,hard 12%,162,31.9,Volatile,30.2,5.34,2.4,178,61,72,82,true,Reduce,"Cut high-beta by 2-3%, add cash",-8,-18,BrokerB,LMT,96,VAR>budget,Hedge,Risk above budget threshold,-12,-17,128,4,false,Monitor dispersion and breadth
P6074,Cautious,IRA,USD,2025-08-07,875133,99968,775165,1.0,46.5,37.4,0.0,16.2,TLT:24.1%;MSFT:16.8%;AMZN:24.1%;BND:24.1%;GLD:11.0%,US:63.0;EU:18.0;APAC:6.8;EM:9.8;Other:2.3,Value:-0.8;Growth:+0.4;Quality:0.0;Size:-0.4;Momentum:-0.1;LowVol:0.0,NoDerivatives;NoMargin,5,35,4.6,trailing 8%,163,12.8,Bull,14.7,3.72,3.3,71,13,61,47,false,Rebalance,Shift +1% to bonds from equity,24,-34,BrokerA,LMT,97,None,None,Normal monitoring,44,-7,102,4,false,Tax-aware sells next window
P6075,Active,401k,USD,2024-10-22,657443,76098,581345,1.0,66.3,25.7,0.0,8.0,MUB:23.3%;XLF:10.0%;IEF:23.3%;AAPL:9.1%;TLT:23.3%;GLD:10.9%,US:69.1;EU:8.3;APAC:11.5;EM:10.6;Other:0.6,Value:-0.5;Growth:-0.5;Quality:+0.9;Size:-0.8;Momentum:-0.5;LowVol:+0.7,NoDerivatives,5,35,4.3,trailing 8%,187,25.7,Volatile,20.6,3.5,2.9,154,-43,22,63,false,Rebalance,Shift +1% to bonds from equity,19,-3,BrokerD,LMT,87,None,None,Normal monitoring,0,-17,48,5,false,Monitor dispersion and breadth
P6076,Systematic,401k,USD,2024-09-10,651851,30142,621709,1.0,60.9,31.5,0.0,7.6,MSFT:23.0%;TLT:23.0%;VTI:9.5%;BRK.B:23.0%;AAPL:11.2%;BND:10.2%,US:62.1;EU:20.3;APAC:6.2;EM:8.2;Other:3.1,Value:+0.6;Growth:-0.2;Quality:0.0;Size:+0.1;Momentum:+0.8;LowVol:+0.2,MaxPos7%,7,30,5.2,trailing 8%,164,22.9,Volatile,28.7,4.48,2.8,145,21,66,70,false,Sell,Trim extended winner -1%,6,-29,BrokerA,MKT,99,None,None,Normal monitoring,22,-54,151,4,false,Within IPS guidelines
P6077,Hands-off,Roth,USD,2025-05-14,898015,48006,850009,1.0,57.9,18.7,13.5,9.8,VOO:19.6%;AMZN:26.8%;BRK.B:26.8%;TSLA:26.8%,US:64.8;EU:8.9;APAC:18.2;EM:7.6;Other:0.6,Value:+0.7;Growth:-0.4;Quality:-0.2;Size:-0.8;Momentum:-0.0;LowVol:+0.2,NoDerivatives,8,30,5.6,trailing 8%,127,15.4,Sideways,17.7,4.05,3.2,133,-23,36,53,false,Buy,Add to core equity +1%,-10,-29,BrokerA,LMT,95,None,None,Normal monitoring,35,-18,169,3,false,Tighten stops on momentum names
P6078,Active,401k,USD,2025-09-15,1045016,81450,963566,1.0,61.0,21.5,8.7,8.9,MSFT:33.3%;XLF:33.3%;VOO:33.3%,US:62.7;EU:14.0;APAC:15.8;EM:7.0;Other:0.5,Value:+0.4;Growth:-0.4;Quality:-0.6;Size:-0.9;Momentum:+1.0;LowVol:+0.9,MaxPos7%;NoDerivatives,5,35,4.6,trailing 8%,169,24.0,Volatile,27.7,4.93,3.7,178,-21,41,72,true,Rebalance,Rebalance back to target bands,-12,-37,BrokerC,LMT,100,Drift>tolerance,Hedge,Allocation drift beyond policy bands,82,-55,116,2,false,Increase defensive factor exposure
P6079,Active,IRA,USD,2024-12-05,983135,103933,879202,1.0,65.2,25.0,4.2,5.6,VTI:18.9%;BND:20.5%;BRK.B:20.8%;AMZN:20.0%;AAPL:19.7%,US:64.6;EU:6.4;APAC:16.8;EM:12.1;Other:0.1,Value:-0.7;Growth:+0.6;Quality:-0.7;Size:+0.2;Momentum:+0.6;LowVol:+0.3,,6,25,5.7,hard 12%,189,20.4,Bull,12.1,4.56,2.1,112,84,97,34,false,Buy,Add to core equity +1%,35,-11,BrokerB,LMT,92,None,None,Normal monitoring,16,1,6,3,false,Monitor dispersion and breadth
P6080,Opportunistic,Roth,USD,2024-08-10,1011590,71272,940318,1.24,66.4,19.0,7.6,7.0,XLF:25.7%;TSLA:23.0%;MUB:25.7%;IEF:25.7%,US:60.2;EU:20.4;APAC:7.1;EM:6.7;Other:5.7,Value:-0.7;Growth:0.0;Quality:+1.0;Size:+0.3;Momentum:+0.4;LowVol:-0.0,,5,35,4.0,trailing 7%,238,28.4,Volatile,22.2,4.29,2.4,165,-12,31,63,false,NoAction,Within bands; monitor,-2,-15,BrokerC,LMT,89,None,None,Normal monitoring,19,-42,14,3,false,Within IPS guidelines
P6081,Active,Trust,USD,2025-05-16,1421721,143265,1278456,1.11,51.5,18.5,20.3,9.7,TLT:33.3%;AMZN:33.3%;MSFT:33.3%,US:66.2;EU:20.6;APAC:8.6;EM:4.3;Other:0.3,Value:-0.1;Growth:-0.5;Quality:-1.0;Size:-0.9;Momentum:-0.6;LowVol:-1.0,,5,35,5.1,hard 12%,146,16.4,Bull,14.8,4.17,2.7,80,4,46,31,false,Buy,Add to core equity +1%,-4,9,BrokerC,VWAP,86,None,None,Normal monitoring,-14,-60,82,5,false,Tighten stops on momentum names
P6082,Opportunistic,Trust,USD,2025-06-22,1726434,61870,1664564,1.0,73.0,19.6,0.0,7.4,AMZN:15.9%;BRK.B:24.2%;VOO:24.2%;VTI:11.5%;BND:24.2%,US:69.3;EU:14.4;APAC:10.7;EM:5.6;Other:0.0,Value:+0.6;Growth:-0.0;Quality:+0.3;Size:-0.8;Momentum:-0.6;LowVol:+0.4,NoDerivatives,6,30,6.9,trailing 7%,246,28.0,Sideways,21.9,4.84,2.6,139,40,81,69,false,Sell,Trim extended winner -1%,29,-31,BrokerB,LMT,86,None,None,Normal monitoring,64,-45,175,3,false,Tax-aware sells next window
P6083,Systematic,Roth,USD,2025-09-30,788479,32307,756172,1.0,58.9,25.6,8.6,6.9,AAPL:26.8%;MUB:19.6%;QQQ:26.8%;HYG:26.8%,US:64.2;EU:15.4;APAC:9.7;EM:6.0;Other:4.7,Value:-0.3;Growth:+0.5;Quality:-0.1;Size:-0.9;Momentum:-0.0;LowVol:-0.6,MaxPos7%;NoDerivatives,7,25,5.7,hard 12%,151,27.3,Sideways,18.4,4.35,2.2,107,38,82,42,true,Reduce,"Cut high-beta by 2-3%, add cash",6,-18,BrokerA,MKT,95,Drift>tolerance,Hedge,Allocation drift beyond policy bands,76,-44,198,2,false,Increase defensive factor exposure
P6084,Cautious,IRA,USD,2024-08-10,214044,29707,184337,1.0,39.2,33.9,9.3,17.6,IEF:19.7%;MSFT:5.8%;VNQ:17.5%;BND:20.5%;TSLA:16.0%;VTI:20.5%,US:69.2;EU:9.1;APAC:11.8;EM:6.4;Other:3.5,Value:-0.5;Growth:-0.3;Quality:-0.8;Size:-0.5;Momentum:-0.1;LowVol:-0.8,ESGOnly;NoDerivatives;NoMargin,5,30,5.9,trailing 8%,106,12.2,Bull,13.1,4.13,2.6,95,62,96,20,false,Sell,Trim extended winner -1%,-8,-1,BrokerC,LMT,87,None,None,Normal monitoring,34,-57,165,3,false,Increase defensive factor exposure
P6085,Cautious,IRA,USD,2024-10-09,587077,88935,498142,1.0,41.1,39.5,7.4,12.0,MSFT:18.2%;AMZN:12.7%;XLF:10.3%;TLT:23.1%;BRK.B:12.7%;IEF:23.1%,US:61.8;EU:14.7;APAC:13.5;EM:7.5;Other:2.6,Value:+0.6;Growth:-0.4;Quality:-0.8;Size:-0.5;Momentum:-0.3;LowVol:-0.9,ESGOnly;MaxPos7%;NoMargin,7,30,4.7,trailing 10%,124,12.8,Sideways,14.3,3.55,2.8,112,23,68,41,false,Sell,Trim extended winner -1%,18,15,BrokerD,LMT,94,None,None,Normal monitoring,16,12,116,5,false,Tighten stops on momentum names
P6086,Opportunistic,IRA,USD,2024-09-21,550371,39016,511355,1.0,62.0,11.9,17.9,8.2,QQQ:33.3%;VNQ:33.3%;HYG:33.3%,US:64.7;EU:11.2;APAC:9.6;EM:14.2;Other:0.3,Value:-0.2;Growth:+0.2;Quality:+1.0;Size:+0.2;Momentum:+0.7;LowVol:-0.9,MaxPos8%,5,35,5.8,trailing 7%,178,24.4,Volatile,25.8,4.74,2.7,118,16,58,72,true,Hedge,Buy index puts 1% notional,8,-39,BrokerB,MKT,99,RegimeShift,Reduce,Volatility spike and breadth deterioration,12,-1,63,3,false,Within IPS guidelines
P6087,Systematic,Trust,USD,2025-04-02,1644886,112765,1532121,1.0,62.4,31.8,0.0,5.9,IEF:33.3%;VOO:33.3%;AMZN:33.3%,US:64.4;EU:15.5;APAC:13.0;EM:4.4;Other:2.6,Value:-0.5;Growth:-0.2;Quality:-0.7;Size:+0.6;Momentum:-0.8;LowVol:-0.3,MaxPos8%,8,35,4.5,trailing 8%,128,18.7,Sideways,19.3,3.62,2.7,113,27,61,66,false,NoAction,Within bands; monitor,12,-32,BrokerA,LMT,92,None,None,Normal monitoring,24,-29,37,4,false,Tax-aware sells next window
P6088,Systematic,401k,USD,2025-07-03,999762,76405,923357,1.0,60.9,24.5,8.0,6.5,VNQ:9.7%;MUB:16.5%;IEF:24.4%;QQQ:24.7%;TLT:24.7%,US:64.4;EU:13.1;APAC:13.0;EM:7.6;Other:1.8,Value:-0.9;Growth:+0.9;Quality:+0.9;Size:+0.6;Momentum:-0.4;LowVol:-0.3,MaxPos7%,5,35,4.2,trailing 8%,137,22.4,Volatile,20.9,5.44,3.6,114,-36,36,51,false,Rebalance,Shift +1% to bonds from equity,27,-17,BrokerA,LMT,99,None,None,Normal monitoring,112,11,85,3,false,Tax-aware sells next window
P6089,Systematic,IRA,USD,2025-11-09,975779,45269,930510,1.0,61.6,21.5,10.9,6.1,VTI:18.4%;GLD:17.3%;QQQ:21.5%;XLF:21.3%;TSLA:21.5%,US:60.8;EU:12.6;APAC:12.5;EM:9.9;Other:4.2,Value:-0.3;Growth:+0.2;Quality:-0.7;Size:-0.1;Momentum:-0.9;LowVol:-0.5,MaxPos6%,10,30,4.5,trailing 8%,142,20.7,Bull,14.7,4.26,2.9,87,90,100,40,false,Buy,Add to core equity +1%,-7,-33,BrokerC,VWAP,91,None,None,Normal monitoring,-8,-19,39,5,false,Tax-aware sells next window
P6090,Hands-off,Trust,USD,2025-06-19,761755,47811,713944,1.0,58.0,28.4,4.4,9.2,VOO:25.0%;TLT:25.0%;HYG:25.0%;BRK.B:25.0%,US:66.7;EU:17.3;APAC:8.4;EM:4.2;Other:3.3,Value:-0.6;Growth:-0.6;Quality:+0.6;Size:+0.7;Momentum:-0.4;LowVol:+0.1,ESGOnly;NoDerivatives,10,35,5.6,trailing 8%,163,17.4,Sideways,19.3,4.94,2.9,113,-18,39,62,false,Buy,Add to core equity +1%,-5,1,BrokerB,LMT,94,None,None,Normal monitoring,99,14,123,4,false,Tighten stops on momentum names
P6091,Systematic,Trust,USD,2025-04-27,1334759,58548,1276211,1.0,60.8,21.8,11.5,5.8,MUB:14.3%;HYG:18.4%;AMZN:17.2%;QQQ:25.0%;VNQ:25.0%,US:67.9;EU:12.5;APAC:6.2;EM:10.0;Other:3.4,Value:+0.3;Growth:+0.9;Quality:+0.7;Size:+0.8;Momentum:+0.6;LowVol:-0.7,,5,25,5.0,hard 12%,166,27.9,Volatile,22.2,4.01,3.7,152,-38,16,66,false,Sell,Trim extended winner -1%,10,-4,BrokerB,LMT,90,None,None,Normal monitoring,1,-41,93,4,false,Monitor dispersion and breadth
P6092,Active,IRA,USD,2025-06-03,1330033,102972,1227061,1.0,66.0,26.3,0.0,7.7,AMZN:21.1%;BRK.B:10.6%;MSFT:21.1%;VTI:15.3%;GLD:17.9%;HYG:14.0%,US:60.4;EU:19.2;APAC:11.1;EM:7.6;Other:1.7,Value:+0.1;Growth:-1.0;Quality:+0.4;Size:+0.1;Momentum:+0.4;LowVol:+0.4,,7,35,5.9,trailing 9%,161,16.6,Volatile,21.4,4.73,3.5,113,-57,7,59,true,Reduce,"Cut high-beta by 2-3%, add cash",9,-23,BrokerA,MKT,87,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-4,17,-26,3,false,Within IPS guidelines
P6093,Cautious,401k,USD,2025-05-02,263404,32808,230596,1.0,46.7,39.8,0.0,13.6,AAPL:24.5%;MUB:24.6%;XLF:14.0%;AMZN:12.4%;GLD:24.6%,US:63.2;EU:8.2;APAC:16.7;EM:7.6;Other:4.2,Value:+0.2;Growth:-0.1;Quality:+0.5;Size:+0.2;Momentum:+0.8;LowVol:-0.3,ESGOnly;NoMargin,7,35,3.2,trailing 8%,122,18.0,Bull,17.9,4.71,3.1,84,85,78,36,true,Rebalance,Rebalance back to target bands,-10,-35,BrokerD,MKT,97,Drift>tolerance,Pause,Allocation drift beyond policy bands,119,-21,170,4,false,Tighten stops on momentum names
P6094,Opportunistic,Trust,USD,2024-10-28,491881,24611,467270,1.0,67.3,16.8,8.9,7.0,IEF:33.3%;AAPL:33.3%;QQQ:33.3%,US:66.6;EU:10.9;APAC:12.6;EM:7.6;Other:2.3,Value:-0.7;Growth:+0.7;Quality:-0.0;Size:+0.6;Momentum:-0.3;LowVol:+0.3,,8,25,4.5,trailing 9%,223,21.1,Sideways,14.8,4.34,2.1,135,8,65,56,false,Rebalance,Shift +1% to bonds from equity,20,2,BrokerA,LMT,89,None,None,Normal monitoring,82,-11,133,3,false,Increase defensive factor exposure
P6095,Opportunistic,Trust,USD,2025-07-23,1659763,114241,1545522,1.0,73.6,20.4,0.0,6.1,AMZN:27.1%;BRK.B:27.1%;AAPL:18.7%;GLD:27.1%,US:63.7;EU:7.9;APAC:18.1;EM:9.7;Other:0.6,Value:0.0;Growth:-0.2;Quality:-0.9;Size:+0.4;Momentum:+0.9;LowVol:+0.9,MaxPos5%,8,30,6.6,hard 12%,172,26.1,Sideways,20.3,4.43,2.1,114,4,41,69,false,Rebalance,Shift +1% to bonds from equity,-6,-20,BrokerA,MKT,89,None,None,Normal monitoring,107,17,158,3,false,Monitor dispersion and breadth
P6096,Systematic,IRA,USD,2025-01-28,416553,29198,387355,1.0,60.6,33.6,0.0,5.8,VOO:27.9%;AAPL:27.9%;MUB:16.3%;BND:27.9%,US:60.5;EU:13.9;APAC:12.0;EM:11.0;Other:2.6,Value:+0.4;Growth:-0.2;Quality:-0.3;Size:+0.6;Momentum:-0.8;LowVol:+0.2,,6,30,5.0,hard 12%,201,26.7,Bull,15.9,4.98,3.0,105,109,96,43,false,Rebalance,Shift +1% to bonds from equity,23,11,BrokerB,LMT,100,None,None,Normal monitoring,48,3,80,4,false,Tighten stops on momentum names
P6097,Systematic,IRA,USD,2025-02-15,1347282,74397,1272885,1.0,61.7,31.4,1.0,5.9,QQQ:33.3%;IEF:33.3%;XLF:33.3%,US:69.8;EU:13.5;APAC:5.8;EM:10.1;Other:0.8,Value:-0.6;Growth:+0.6;Quality:+0.2;Size:-1.0;Momentum:-0.7;LowVol:-0.4,MaxPos8%,7,30,4.2,hard 12%,120,26.9,Volatile,28.3,3.6,2.7,172,-8,51,81,true,Reduce,"Cut high-beta by 2-3%, add cash",7,-38,BrokerD,LMT,87,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,20,-60,108,4,false,Within IPS guidelines
P6098,Hands-off,IRA,USD,2025-08-30,445829,36285,409544,1.0,65.1,16.0,12.7,6.2,MSFT:33.3%;VOO:33.3%;BRK.B:33.3%,US:69.2;EU:7.9;APAC:6.9;EM:11.7;Other:4.2,Value:+0.8;Growth:+0.3;Quality:0.0;Size:-0.3;Momentum:+0.5;LowVol:-0.6,NoDerivatives,7,35,3.7,trailing 10%,126,19.2,Sideways,21.8,4.13,2.0,95,58,69,61,false,Hedge,Add TLT +1% as duration hedge,-7,-8,BrokerA,LMT,85,None,None,Normal monitoring,-38,-56,-1,3,false,Tax-aware sells next window
P6099,Hands-off,Trust,USD,2025-04-16,326744,17953,308791,1.0,71.7,15.6,7.0,5.7,VTI:20.0%;TLT:19.2%;BND:14.4%;GLD:18.9%;QQQ:7.5%;VOO:20.0%,US:58.9;EU:14.6;APAC:15.7;EM:8.9;Other:2.0,Value:+0.6;Growth:+0.4;Quality:-0.9;Size:+0.8;Momentum:+0.3;LowVol:-0.6,ESGOnly;MaxPos8%,6,30,3.2,hard 10%,138,13.9,Bull,14.1,3.72,2.6,88,7,63,61,true,Hedge,Buy index puts 1% notional,2,-1,BrokerB,MKT,99,Drift>tolerance,Hedge,Allocation drift beyond policy bands,12,-52,81,5,false,Within IPS guidelines
P6100,Hands-off,401k,USD,2025-03-24,781961,73193,708768,1.0,60.1,19.2,15.6,5.0,MUB:33.3%;AMZN:33.3%;HYG:33.3%,US:66.6;EU:16.0;APAC:8.7;EM:5.6;Other:3.1,Value:+0.8;Growth:-0.9;Quality:-0.7;Size:-1.0;Momentum:-0.8;LowVol:-1.0,ESGOnly;MaxPos5%,8,25,3.2,trailing 8%,145,19.4,Bear,29.3,3.18,2.1,214,-40,29,77,true,Hedge,Buy index puts 1% notional,-13,-17,BrokerA,LMT,100,RegimeShift,Hedge,Volatility spike and breadth deterioration,22,-6,108,4,false,Monitor dispersion and breadth
P6101,Active,401k,USD,2024-09-02,1704304,103674,1600630,1.0,64.1,26.6,0.5,8.7,IEF:23.8%;AMZN:16.4%;MSFT:23.8%;VNQ:23.8%;VTI:12.3%,US:65.6;EU:16.7;APAC:7.5;EM:7.5;Other:2.7,Value:-0.5;Growth:+0.8;Quality:+0.1;Size:+0.5;Momentum:-0.6;LowVol:+0.3,MaxPos7%,6,25,4.5,hard 12%,178,22.4,Bear,32.2,4.43,2.1,137,25,62,92,true,Reduce,"Cut high-beta by 2-3%, add cash",8,11,BrokerC,MKT,96,VAR>budget,Reduce,Risk above budget threshold,0,-51,68,5,false,Increase defensive factor exposure
P6102,Cautious,Roth,USD,2025-04-16,184797,28209,156588,1.0,40.7,30.1,17.9,11.3,MSFT:21.2%;HYG:14.8%;BRK.B:13.5%;AMZN:21.2%;AAPL:19.1%;QQQ:10.1%,US:63.9;EU:18.4;APAC:9.4;EM:4.1;Other:4.2,Value:-0.3;Growth:-0.3;Quality:-0.2;Size:+0.8;Momentum:-0.6;LowVol:-0.4,NoDerivatives;NoMargin,5,35,3.8,trailing 8%,106,18.5,Bear,30.0,4.42,2.4,144,-12,42,60,false,Buy,Add to core equity +1%,7,-23,BrokerC,MKT,90,None,None,Normal monitoring,46,-5,25,4,false,Increase defensive factor exposure
P6103,Hands-off,Roth,USD,2025-06-03,563018,23640,539378,1.0,61.3,26.3,3.1,9.3,TSLA:33.3%;IEF:33.3%;VTI:33.3%,US:64.2;EU:16.3;APAC:9.6;EM:8.9;Other:0.9,Value:-0.4;Growth:-0.2;Quality:+0.4;Size:+0.6;Momentum:+0.3;LowVol:-0.6,,6,35,4.9,trailing 10%,111,17.4,Volatile,22.4,5.2,3.6,157,-34,30,58,false,Sell,Trim extended winner -1%,18,-4,BrokerB,MKT,91,None,None,Normal monitoring,29,-5,-4,5,false,Tighten stops on momentum names
P6104,Systematic,Roth,USD,2024-07-05,1260778,78277,1182501,1.0,61.2,21.9,9.1,7.8,MSFT:24.2%;HYG:13.9%;AAPL:24.2%;MUB:17.9%;VTI:19.8%,US:64.7;EU:15.8;APAC:10.5;EM:7.9;Other:1.1,Value:+0.5;Growth:-0.7;Quality:+0.7;Size:+0.6;Momentum:-0.0;LowVol:+0.7,NoDerivatives,8,30,4.8,trailing 8%,155,25.1,Bull,17.9,4.89,2.0,100,100,100,44,false,NoAction,Within bands; monitor,33,-20,BrokerD,LMT,89,None,None,Normal monitoring,-20,-16,-5,3,false,Increase defensive factor exposure
P6105,Hands-off,Taxable,USD,2025-07-20,392076,38474,353602,1.0,67.8,26.4,0.0,5.8,AAPL:21.7%;XLF:21.7%;VTI:16.4%;TLT:21.7%;AMZN:8.3%;VNQ:10.1%,US:72.1;EU:8.7;APAC:13.1;EM:5.3;Other:0.8,Value:-0.5;Growth:+0.9;Quality:+0.4;Size:+0.3;Momentum:+0.7;LowVol:+1.0,ESGOnly,6,35,4.6,trailing 8%,125,13.4,Bull,11.9,4.2,3.1,76,114,100,37,false,Hedge,Add TLT +1% as duration hedge,35,8,BrokerB,LMT,88,None,None,Normal monitoring,-6,-50,91,3,false,Increase defensive factor exposure
P6106,Hands-off,Trust,USD,2024-07-12,848148,47689,800459,1.0,70.7,21.3,0.0,8.0,TLT:22.8%;AMZN:22.8%;HYG:22.8%;QQQ:11.4%;BRK.B:20.3%,US:70.4;EU:14.9;APAC:8.7;EM:3.9;Other:2.0,Value:+0.3;Growth:+0.6;Quality:-0.9;Size:+0.1;Momentum:+0.7;LowVol:-0.1,MaxPos6%,5,35,4.2,trailing 8%,169,13.5,Bear,24.7,3.44,1.2,185,3,61,79,true,Hedge,Buy index puts 1% notional,-7,3,BrokerB,MKT,95,Drift>tolerance,Reduce,Allocation drift beyond policy bands,15,-11,-17,2,false,Monitor dispersion and breadth
P6107,Systematic,401k,USD,2024-07-26,1891002,139420,1751582,1.0,63.8,28.4,0.0,7.8,AAPL:9.3%;MUB:19.9%;BND:15.2%;MSFT:20.2%;VNQ:15.2%;VTI:20.2%,US:64.5;EU:15.7;APAC:12.7;EM:3.6;Other:3.6,Value:0.0;Growth:-1.0;Quality:+0.1;Size:+0.2;Momentum:-0.4;LowVol:+0.1,MaxPos7%,5,30,4.5,trailing 9%,164,26.8,Bear,34.4,4.43,2.5,187,-37,31,88,true,Hedge,Buy index puts 1% notional,-12,-21,BrokerA,LMT,99,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,102,3,142,5,false,Within IPS guidelines
P6108,Active,Trust,USD,2024-11-18,1751445,135174,1616271,1.0,65.7,25.2,0.0,9.1,MSFT:33.3%;XLF:33.3%;IEF:33.3%,US:62.5;EU:19.2;APAC:5.8;EM:9.3;Other:3.2,Value:+0.2;Growth:+0.8;Quality:-0.5;Size:-0.7;Momentum:-0.3;LowVol:-0.8,,7,25,4.0,trailing 9%,202,17.5,Sideways,17.8,3.81,3.0,128,12,49,60,false,Rebalance,Shift +1% to bonds from equity,35,-12,BrokerA,LMT,94,None,None,Normal monitoring,73,-24,113,5,false,Increase defensive factor exposure
P6109,Systematic,Roth,USD,2025-06-23,657610,30541,627069,1.0,64.9,27.2,0.0,7.9,TSLA:27.0%;VOO:27.0%;IEF:27.0%;AAPL:18.9%,US:72.4;EU:5.2;APAC:12.1;EM:7.3;Other:3.0,Value:-0.1;Growth:+0.3;Quality:-0.4;Size:-0.6;Momentum:+0.3;LowVol:+0.3,,8,35,5.3,hard 12%,192,23.0,Sideways,18.5,3.87,3.5,113,53,81,65,false,Rebalance,Shift +1% to bonds from equity,4,11,BrokerC,LMT,87,None,None,Normal monitoring,102,15,98,3,false,Increase defensive factor exposure
P6110,Active,401k,USD,2025-09-29,1042059,89323,952736,1.0,54.3,30.2,8.5,7.0,IEF:16.8%;VNQ:8.3%;QQQ:19.3%;XLF:15.9%;MSFT:20.1%;AMZN:19.8%,US:73.6;EU:11.2;APAC:5.8;EM:8.5;Other:0.9,Value:-0.2;Growth:-0.2;Quality:-0.4;Size:-0.6;Momentum:+0.5;LowVol:+0.2,MaxPos6%,10,30,5.6,trailing 8%,164,23.1,Bear,23.6,4.21,2.1,212,-53,17,66,false,Rebalance,Shift +1% to bonds from equity,-14,-37,BrokerC,LMT,90,None,None,Normal monitoring,90,-54,122,5,false,Tighten stops on momentum names
P6111,Cautious,401k,USD,2024-12-22,482259,44666,437593,1.0,48.2,35.1,0.0,16.7,HYG:25.2%;VNQ:25.2%;IEF:25.2%;VOO:24.4%,US:66.1;EU:9.7;APAC:10.7;EM:9.7;Other:3.9,Value:+0.2;Growth:-1.0;Quality:+0.2;Size:+0.7;Momentum:+0.8;LowVol:-0.8,ESGOnly;MaxPos7%;NoMargin,8,30,3.2,trailing 8%,130,12.7,Volatile,24.4,4.37,2.2,161,39,60,57,false,Rebalance,Shift +1% to bonds from equity,11,-27,BrokerD,LMT,88,None,None,Normal monitoring,24,16,45,5,false,Within IPS guidelines
P6112,Opportunistic,Trust,USD,2024-10-07,1334995,103368,1231627,1.0,75.5,19.2,0.3,5.0,BRK.B:20.6%;GLD:17.7%;TLT:18.7%;MSFT:17.3%;MUB:16.1%;VNQ:9.7%,US:67.2;EU:9.8;APAC:9.5;EM:10.8;Other:2.7,Value:-0.2;Growth:-0.4;Quality:-0.4;Size:+0.2;Momentum:+1.0;LowVol:+0.5,NoDerivatives,5,30,5.1,hard 12%,278,21.6,Volatile,20.3,4.52,3.5,166,-33,44,65,false,Rebalance,Shift +1% to bonds from equity,-4,-38,BrokerD,MKT,87,None,None,Normal monitoring,-21,-21,88,3,false,Within IPS guidelines
P6113,Cautious,Roth,USD,2025-01-24,607868,83475,524393,1.0,41.1,39.6,5.7,13.5,BND:26.1%;BRK.B:21.7%;TSLA:26.1%;MUB:26.1%,US:62.1;EU:16.8;APAC:13.4;EM:3.5;Other:4.3,Value:+0.4;Growth:+0.2;Quality:+0.6;Size:-0.1;Momentum:-0.9;LowVol:+0.9,ESGOnly;MaxPos7%;NoDerivatives;NoMargin,6,30,5.6,hard 10%,141,18.1,Bear,34.1,4.29,1.2,186,7,50,79,true,Hedge,Buy index puts 1% notional,-5,11,BrokerD,MKT,94,RegimeShift,Reduce,Volatility spike and breadth deterioration,8,-23,37,3,false,Tax-aware sells next window
P6114,Opportunistic,Trust,USD,2025-02-22,852000,29421,822579,1.0,71.8,16.0,3.9,8.2,MSFT:20.8%;BND:22.0%;VOO:22.2%;GLD:12.7%;IEF:22.2%,US:67.6;EU:17.1;APAC:5.3;EM:5.9;Other:4.0,Value:+0.7;Growth:-0.7;Quality:+0.7;Size:+0.1;Momentum:-0.0;LowVol:+0.6,,6,35,4.0,trailing 7%,277,27.2,Bear,26.5,3.53,2.7,176,-60,6,77,true,Hedge,Buy index puts 1% notional,25,-34,BrokerD,LMT,85,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-26,4,56,3,false,Within IPS guidelines
P6115,Systematic,Taxable,USD,2024-08-28,1777817,73050,1704767,1.0,55.6,24.9,14.0,5.4,XLF:35.5%;MSFT:29.0%;QQQ:35.5%,US:65.7;EU:6.8;APAC:13.1;EM:10.8;Other:3.7,Value:+0.3;Growth:+0.1;Quality:0.0;Size:+0.7;Momentum:-0.6;LowVol:-0.5,,7,25,5.1,trailing 8%,213,25.1,Bull,11.8,4.11,2.8,76,12,49,45,false,Rebalance,Shift +1% to bonds from equity,34,10,BrokerC,VWAP,94,None,None,Normal monitoring,112,-36,88,4,false,Monitor dispersion and breadth
P6116,Systematic,401k,USD,2025-01-04,616706,26216,590490,1.0,64.3,26.6,0.0,9.1,AAPL:20.6%;VOO:18.3%;AMZN:18.2%;BRK.B:11.5%;BND:10.7%;VTI:20.6%,US:67.1;EU:10.1;APAC:13.2;EM:7.6;Other:2.0,Value:+0.2;Growth:-0.1;Quality:+0.2;Size:+0.8;Momentum:+0.3;LowVol:+0.7,NoDerivatives,10,35,4.2,trailing 9%,124,23.7,Volatile,20.7,4.26,4.4,115,38,74,54,false,Rebalance,Shift +1% to bonds from equity,11,1,BrokerC,VWAP,95,None,None,Normal monitoring,14,3,42,4,false,Increase defensive factor exposure
P6117,Active,Taxable,USD,2024-08-11,1867022,112339,1754683,1.0,53.5,24.1,16.0,6.4,VNQ:33.3%;IEF:33.3%;GLD:33.3%,US:69.5;EU:7.3;APAC:13.6;EM:8.0;Other:1.7,Value:-0.1;Growth:+0.6;Quality:-0.6;Size:+0.2;Momentum:+0.8;LowVol:+0.3,NoDerivatives,5,30,5.1,trailing 8%,134,26.4,Volatile,24.3,4.12,3.8,171,64,68,55,false,Rebalance,Shift +1% to bonds from equity,4,15,BrokerA,VWAP,85,None,None,Normal monitoring,8,7,38,3,false,Increase defensive factor exposure
P6118,Hands-off,IRA,USD,2024-09-19,448335,38029,410306,1.0,55.1,28.5,10.1,6.3,AMZN:33.7%;XLF:32.5%;TSLA:33.7%,US:67.6;EU:15.7;APAC:9.4;EM:4.2;Other:3.1,Value:-0.6;Growth:-0.2;Quality:-0.5;Size:+0.5;Momentum:+0.9;LowVol:-0.9,,10,30,4.8,trailing 8%,167,17.9,Volatile,26.6,4.59,3.0,146,53,83,62,false,Sell,Trim extended winner -1%,10,-23,BrokerB,LMT,90,None,None,Normal monitoring,-6,-33,66,4,false,Tax-aware sells next window
P6119,Systematic,IRA,USD,2025-10-19,1082942,60763,1022179,1.0,66.2,26.3,0.0,7.5,QQQ:23.1%;XLF:23.1%;VNQ:21.3%;TLT:9.5%;BRK.B:23.0%,US:65.4;EU:15.8;APAC:7.5;EM:8.0;Other:3.3,Value:-0.4;Growth:-0.0;Quality:+0.5;Size:+0.2;Momentum:+0.6;LowVol:-0.0,MaxPos7%;NoDerivatives,10,35,5.1,hard 12%,213,19.6,Sideways,14.2,4.07,3.2,114,13,55,40,false,Sell,Trim extended winner -1%,-13,-34,BrokerB,MKT,99,None,None,Normal monitoring,52,-46,67,5,false,Tighten stops on momentum names
P6120,Opportunistic,401k,USD,2025-05-21,585427,40696,544731,1.0,70.3,14.0,7.7,8.0,IEF:19.0%;MSFT:27.2%;VNQ:26.6%;BRK.B:27.2%,US:63.1;EU:11.8;APAC:13.5;EM:8.2;Other:3.5,Value:-0.4;Growth:+1.0;Quality:+0.8;Size:+0.6;Momentum:+0.7;LowVol:-0.4,MaxPos8%,10,30,4.1,trailing 9%,185,32.5,Volatile,26.1,4.05,2.5,120,-18,53,75,true,Hedge,Buy index puts 1% notional,35,-6,BrokerD,LMT,88,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-60,16,75,4,false,Within IPS guidelines
P6121,Active,Roth,USD,2025-05-22,2259366,260986,1998380,1.0,67.3,25.4,0.0,7.3,XLF:21.8%;TSLA:28.9%;AAPL:20.5%;BND:28.9%,US:75.1;EU:6.2;APAC:8.2;EM:9.0;Other:1.6,Value:-0.7;Growth:+0.4;Quality:+0.7;Size:-0.5;Momentum:+0.8;LowVol:+0.6,MaxPos5%,6,25,5.8,hard 12%,218,25.1,Bear,28.4,3.9,2.3,201,-70,21,84,true,Hedge,Buy index puts 1% notional,-11,-2,BrokerC,VWAP,100,RegimeShift,Hedge,Volatility spike and breadth deterioration,54,-44,151,4,false,Tighten stops on momentum names
P6122,Opportunistic,IRA,USD,2025-07-20,924675,71979,852696,1.0,74.8,10.7,10.5,4.0,BRK.B:35.6%;XLF:35.6%;MSFT:28.7%,US:73.6;EU:7.5;APAC:10.1;EM:8.8;Other:0.1,Value:-0.1;Growth:-0.6;Quality:+0.1;Size:-0.4;Momentum:+0.6;LowVol:-0.6,,10,35,4.3,trailing 9%,232,31.1,Bull,15.5,4.71,3.1,93,52,82,50,false,Hedge,Add TLT +1% as duration hedge,28,-15,BrokerC,LMT,88,None,None,Normal monitoring,32,-57,62,3,false,Monitor dispersion and breadth
P6123,Cautious,401k,USD,2025-06-04,279468,43900,235568,1.0,48.8,40.1,0.0,11.1,GLD:11.3%;VTI:22.6%;VOO:14.0%;BND:22.6%;BRK.B:14.8%;MUB:14.7%,US:64.3;EU:15.7;APAC:6.7;EM:9.6;Other:3.7,Value:-1.0;Growth:+0.6;Quality:+0.2;Size:-0.4;Momentum:+0.1;LowVol:-0.0,ESGOnly;NoDerivatives;NoMargin,8,30,4.1,trailing 8%,128,14.1,Volatile,20.7,5.27,2.7,147,34,77,56,false,Rebalance,Shift +1% to bonds from equity,24,-11,BrokerC,MKT,94,None,None,Normal monitoring,-6,-29,96,3,false,Within IPS guidelines
P6124,Active,Taxable,USD,2024-09-11,1436183,161568,1274615,1.0,61.9,29.8,1.6,6.7,TLT:25.0%;AAPL:25.0%;QQQ:24.9%;MSFT:25.0%,US:64.6;EU:20.0;APAC:6.6;EM:6.1;Other:2.8,Value:-0.0;Growth:-0.5;Quality:-1.0;Size:+0.1;Momentum:-0.1;LowVol:-0.2,,5,35,4.4,hard 12%,176,19.4,Bull,17.7,3.76,2.8,92,83,84,61,false,Hedge,Add TLT +1% as duration hedge,27,-28,BrokerA,VWAP,90,None,None,Normal monitoring,-14,-44,17,5,false,Increase defensive factor exposure
P6125,Cautious,IRA,USD,2025-02-16,367247,45748,321499,1.0,43.1,31.1,15.2,10.6,TLT:20.4%;BND:23.4%;XLF:28.1%;VTI:28.1%,US:65.1;EU:10.6;APAC:11.3;EM:9.3;Other:3.8,Value:-0.3;Growth:+0.5;Quality:-0.6;Size:+0.4;Momentum:+0.6;LowVol:-0.1,MaxPos8%;NoDerivatives;NoMargin,5,30,4.3,hard 10%,105,14.2,Bear,34.7,4.48,1.5,155,-116,5,72,true,Reduce,"Cut high-beta by 2-3%, add cash",19,2,BrokerA,MKT,99,RegimeShift,Reduce,Volatility spike and breadth deterioration,114,-51,199,5,false,Increase defensive factor exposure
P6126,Opportunistic,IRA,USD,2025-01-10,1418526,62914,1355612,1.0,75.4,17.6,0.0,6.9,TSLA:7.9%;VNQ:8.5%;MUB:19.5%;BND:19.4%;VTI:22.4%;HYG:22.4%,US:56.4;EU:20.1;APAC:12.9;EM:8.7;Other:1.8,Value:+0.7;Growth:+0.8;Quality:-0.3;Size:+0.8;Momentum:+0.5;LowVol:-1.0,MaxPos6%,10,30,6.6,trailing 7%,240,26.7,Volatile,22.5,5.02,4.0,134,70,95,60,false,Rebalance,Shift +1% to bonds from equity,-4,-5,BrokerC,LMT,94,None,None,Normal monitoring,1,-10,98,3,false,Tax-aware sells next window
P6127,Hands-off,Taxable,USD,2024-08-02,713761,51464,662297,1.0,62.7,26.8,5.1,5.4,MUB:16.7%;MSFT:18.8%;GLD:20.4%;IEF:10.8%;VOO:19.6%;TLT:13.7%,US:70.9;EU:7.5;APAC:7.8;EM:9.1;Other:4.8,Value:-0.2;Growth:+0.7;Quality:+0.8;Size:+0.8;Momentum:-0.3;LowVol:-0.1,ESGOnly,6,30,3.0,trailing 8%,140,16.8,Sideways,19.7,3.78,2.5,109,-18,36,63,false,Buy,Add to core equity +1%,-14,-13,BrokerA,LMT,90,None,None,Normal monitoring,4,-17,44,4,false,Increase defensive factor exposure
P6128,Opportunistic,401k,USD,2024-12-22,593683,50215,543468,1.22,62.4,17.4,11.6,8.6,MUB:11.1%;XLF:22.0%;BND:22.5%;VOO:21.8%;AMZN:22.5%,US:65.2;EU:10.0;APAC:12.7;EM:9.1;Other:3.0,Value:+0.5;Growth:-0.4;Quality:+0.9;Size:+0.3;Momentum:+0.9;LowVol:-0.1,,5,30,7.0,trailing 7%,187,22.8,Volatile,26.3,3.52,2.2,149,-9,53,75,true,Hedge,Buy index puts 1% notional,35,-15,BrokerB,VWAP,86,VAR>budget,Reduce,Risk above budget threshold,54,0,159,5,false,Within IPS guidelines
P6129,Active,Taxable,USD,2025-07-18,836059,82511,753548,1.0,58.1,21.8,14.5,5.6,TLT:16.0%;VOO:21.9%;MUB:24.2%;QQQ:24.2%;IEF:13.8%,US:71.1;EU:7.6;APAC:15.3;EM:4.0;Other:2.0,Value:-0.4;Growth:-0.6;Quality:-0.5;Size:-0.5;Momentum:-1.0;LowVol:+0.3,,10,30,4.7,trailing 9%,121,26.4,Bull,17.7,3.79,3.3,90,97,94,57,false,Rebalance,Shift +1% to bonds from equity,-4,-18,BrokerD,LMT,86,None,None,Normal monitoring,10,-29,119,4,false,Within IPS guidelines
P6130,Cautious,Taxable,USD,2025-09-30,618557,51306,567251,1.0,51.5,37.7,0.0,10.7,HYG:38.7%;BRK.B:22.6%;BND:38.7%,US:64.9;EU:17.6;APAC:9.4;EM:5.3;Other:2.7,Value:-0.9;Growth:+0.4;Quality:-0.2;Size:+0.2;Momentum:-0.5;LowVol:-0.5,ESGOnly;NoMargin,7,30,5.4,hard 10%,102,15.1,Bull,13.7,3.77,3.3,118,86,83,33,false,NoAction,Within bands; monitor,21,-21,BrokerB,MKT,0,None,None,Normal monitoring,-49,-55,-60,3,false,Within IPS guidelines
P6131,Hands-off,Roth,USD,2025-06-09,376007,25510,350497,1.0,68.1,19.6,3.7,8.6,GLD:21.0%;AAPL:20.3%;MSFT:11.5%;IEF:17.6%;BND:8.6%;AMZN:21.0%,US:63.2;EU:18.2;APAC:5.7;EM:10.7;Other:2.2,Value:+0.5;Growth:+0.3;Quality:+0.7;Size:-0.8;Momentum:-0.5;LowVol:-0.9,ESGOnly;NoDerivatives,6,35,3.4,trailing 10%,129,19.0,Bull,15.8,4.09,2.8,82,52,85,51,false,Rebalance,Shift +1% to bonds from equity,29,-40,BrokerA,VWAP,92,None,None,Normal monitoring,19,-18,88,3,false,Tighten stops on momentum names
P6132,Active,IRA,USD,2024-11-09,594614,51234,543380,1.0,62.7,19.5,11.8,6.0,HYG:33.3%;TSLA:33.3%;MUB:33.3%,US:67.8;EU:16.4;APAC:6.3;EM:9.4;Other:0.2,Value:+0.8;Growth:-0.1;Quality:+0.4;Size:+0.4;Momentum:-1.0;LowVol:+0.7,,8,25,5.1,hard 12%,174,25.9,Bull,11.8,4.91,2.9,115,81,98,32,false,Buy,Add to core equity +1%,4,-12,BrokerA,LMT,92,None,None,Normal monitoring,108,11,246,4,false,Increase defensive factor exposure
P6133,Cautious,401k,USD,2025-01-15,184334,26193,158141,1.0,50.8,38.2,0.6,10.4,VTI:22.6%;TSLA:13.8%;HYG:18.4%;IEF:22.6%;AAPL:22.6%,US:58.3;EU:17.0;APAC:12.1;EM:8.7;Other:3.9,Value:+0.2;Growth:+0.4;Quality:0.0;Size:-0.0;Momentum:-0.1;LowVol:-0.4,ESGOnly;NoMargin,7,25,3.1,trailing 8%,105,19.9,Bull,15.9,4.7,2.1,117,57,66,39,false,Rebalance,Shift +1% to bonds from equity,-6,-4,BrokerA,MKT,86,None,None,Normal monitoring,95,-23,140,4,false,Within IPS guidelines
P6134,Opportunistic,Trust,USD,2024-12-04,770231,38112,732119,1.0,71.0,13.1,8.3,7.6,MSFT:20.8%;MUB:15.6%;IEF:20.5%;AMZN:21.6%;XLF:21.6%,US:69.1;EU:12.1;APAC:6.8;EM:11.4;Other:0.7,Value:+0.9;Growth:-0.1;Quality:+0.5;Size:+0.1;Momentum:+1.0;LowVol:-0.1,NoDerivatives,10,30,4.8,hard 12%,274,21.0,Volatile,31.8,4.81,2.4,132,80,80,84,true,Rebalance,Rebalance back to target bands,28,13,BrokerC,VWAP,94,Drift>tolerance,Reduce,Allocation drift beyond policy bands,90,-34,79,3,false,Monitor dispersion and breadth
P6135,Hands-off,Taxable,USD,2024-12-16,212035,18471,193564,1.0,55.2,20.1,17.1,7.7,TLT:21.2%;BND:17.9%;AAPL:21.2%;XLF:21.2%;VTI:18.4%,US:71.9;EU:12.7;APAC:5.2;EM:6.0;Other:4.2,Value:-0.7;Growth:-0.3;Quality:+0.8;Size:+0.8;Momentum:-0.5;LowVol:-0.1,MaxPos5%,7,30,3.5,trailing 8%,140,17.5,Bull,17.2,4.87,2.6,93,74,100,44,false,Buy,Add to core equity +1%,14,-19,BrokerA,MKT,94,None,None,Normal monitoring,31,4,161,5,false,Tax-aware sells next window
P6136,Active,Taxable,USD,2025-02-22,523374,40739,482635,1.0,51.7,26.8,16.1,5.5,TLT:16.5%;VOO:12.8%;AAPL:18.4%;XLF:21.6%;BND:9.1%;GLD:21.6%,US:61.1;EU:7.5;APAC:15.3;EM:12.0;Other:4.1,Value:+0.7;Growth:+0.8;Quality:+0.8;Size:-0.9;Momentum:+0.7;LowVol:-0.6,NoDerivatives,6,30,4.6,trailing 9%,178,23.2,Sideways,20.2,4.6,3.0,131,0,60,43,false,Hedge,Add TLT +1% as duration hedge,-5,14,BrokerC,LMT,85,None,None,Normal monitoring,97,-34,132,3,false,Increase defensive factor exposure
P6137,Active,Taxable,USD,2024-11-17,798464,77558,720906,1.0,58.4,22.7,9.2,9.7,AAPL:22.9%;TLT:22.9%;TSLA:8.3%;MUB:12.8%;QQQ:11.0%;GLD:22.1%,US:79.5;EU:6.5;APAC:6.5;EM:4.0;Other:3.5,Value:-0.4;Growth:-0.9;Quality:+0.1;Size:0.0;Momentum:+0.8;LowVol:-0.2,,10,35,6.0,trailing 9%,194,22.1,Bull,14.6,4.49,2.8,78,67,89,38,false,Buy,Add to core equity +1%,32,-10,BrokerA,LMT,98,None,None,Normal monitoring,35,-44,-3,4,false,Tighten stops on momentum names
P6138,Opportunistic,IRA,USD,2024-10-20,366356,20522,345834,1.24,70.0,12.2,8.9,8.9,BND:33.3%;HYG:33.3%;TSLA:33.3%,US:71.7;EU:9.9;APAC:10.9;EM:4.6;Other:2.8,Value:+0.8;Growth:-0.7;Quality:-0.4;Size:-0.5;Momentum:+0.8;LowVol:-0.0,MaxPos7%,7,30,6.9,trailing 7%,209,33.9,Volatile,31.1,4.97,3.9,120,43,75,94,true,Reduce,"Cut high-beta by 2-3%, add cash",3,-5,BrokerA,MKT,88,VAR>budget,Hedge,Risk above budget threshold,47,5,98,4,false,Tax-aware sells next window
P6139,Active,Taxable,USD,2025-12-07,1020087,117150,902937,1.09,56.9,23.1,11.0,9.0,BRK.B:16.8%;TLT:20.8%;QQQ:20.8%;XLF:20.8%;BND:20.8%,US:62.6;EU:18.1;APAC:6.1;EM:9.8;Other:3.4,Value:-0.0;Growth:+0.7;Quality:+0.1;Size:-0.3;Momentum:+0.3;LowVol:-0.1,MaxPos5%;NoDerivatives,6,30,5.3,trailing 8%,178,24.3,Bear,34.8,3.94,1.5,164,-112,5,76,true,Hedge,Buy index puts 1% notional,-14,-3,BrokerA,MKT,93,RegimeShift,Hedge,Volatility spike and breadth deterioration,117,16,168,3,false,Within IPS guidelines
P6140,Opportunistic,401k,USD,2025-04-27,1179692,67532,1112160,1.0,74.4,20.5,0.0,5.1,QQQ:10.7%;VTI:21.9%;IEF:22.5%;GLD:22.5%;MSFT:22.5%,US:72.1;EU:4.8;APAC:9.9;EM:9.0;Other:4.1,Value:+0.4;Growth:-0.4;Quality:+0.4;Size:+0.7;Momentum:+0.7;LowVol:+0.7,MaxPos6%,6,25,5.5,trailing 7%,264,32.1,Sideways,19.5,4.34,2.0,108,45,71,55,false,Sell,Trim extended winner -1%,-4,-9,BrokerA,LMT,94,None,None,Normal monitoring,87,-14,144,3,false,Tighten stops on momentum names
P6141,Systematic,IRA,USD,2024-09-06,1286958,117875,1169083,1.0,61.7,25.6,6.4,6.2,AAPL:11.7%;BRK.B:22.5%;TLT:22.5%;QQQ:8.6%;MSFT:17.2%;VNQ:17.6%,US:63.5;EU:19.5;APAC:10.7;EM:3.1;Other:3.2,Value:-0.6;Growth:-0.3;Quality:-0.9;Size:-0.9;Momentum:+0.3;LowVol:+0.8,MaxPos6%,10,35,5.2,trailing 8%,166,16.3,Sideways,21.8,3.89,2.4,132,52,89,63,false,Rebalance,Shift +1% to bonds from equity,-14,-4,BrokerC,MKT,99,None,None,Normal monitoring,-32,-39,86,4,false,Monitor dispersion and breadth
P6142,Active,401k,USD,2025-07-25,1235348,90602,1144746,1.0,63.1,21.5,8.4,7.0,QQQ:27.0%;AMZN:24.8%;MUB:21.1%;XLF:27.0%,US:64.3;EU:16.5;APAC:9.2;EM:8.5;Other:1.5,Value:-0.0;Growth:-0.3;Quality:-0.7;Size:+0.7;Momentum:-0.2;LowVol:-0.4,,8,30,5.2,hard 12%,177,16.9,Sideways,14.6,4.81,2.4,108,17,71,49,false,Rebalance,Shift +1% to bonds from equity,-5,-5,BrokerA,MKT,86,None,None,Normal monitoring,101,-42,77,4,false,Monitor dispersion and breadth
P6143,Cautious,Roth,USD,2024-12-18,836289,79770,756519,1.0,38.8,30.7,17.9,12.7,TLT:33.3%;VTI:33.3%;VOO:33.3%,US:66.6;EU:17.3;APAC:8.7;EM:4.1;Other:3.3,Value:-0.1;Growth:-0.5;Quality:+1.0;Size:+0.3;Momentum:+0.7;LowVol:+0.7,NoDerivatives;NoMargin,5,30,5.5,trailing 8%,90,17.9,Volatile,24.0,4.63,4.4,121,-48,39,43,false,Rebalance,Shift +1% to bonds from equity,-8,-12,BrokerD,MKT,89,None,None,Normal monitoring,65,-14,177,4,false,Monitor dispersion and breadth
P6144,Systematic,Taxable,USD,2024-09-17,1103756,78945,1024811,1.0,67.7,25.6,0.0,6.7,QQQ:29.7%;VTI:29.7%;AAPL:23.0%;VOO:17.7%,US:64.7;EU:11.2;APAC:11.6;EM:9.2;Other:3.4,Value:-0.1;Growth:+0.3;Quality:+1.0;Size:+0.8;Momentum:-0.6;LowVol:+0.5,,5,25,4.2,trailing 9%,224,25.1,Sideways,18.2,4.34,2.5,94,1,65,58,false,Rebalance,Shift +1% to bonds from equity,21,-32,BrokerA,VWAP,85,None,None,Normal monitoring,9,-3,76,4,false,Monitor dispersion and breadth
P6145,Cautious,IRA,USD,2024-11-19,183636,24376,159260,1.0,51.8,35.6,0.0,12.7,XLF:23.3%;VTI:19.3%;BND:28.7%;IEF:28.7%,US:66.7;EU:11.9;APAC:7.8;EM:11.8;Other:1.8,Value:-0.2;Growth:-0.5;Quality:-0.7;Size:+0.5;Momentum:-0.2;LowVol:+0.1,ESGOnly;NoMargin,7,30,5.3,hard 10%,107,16.5,Bull,12.3,4.58,2.5,87,74,96,25,false,Rebalance,Shift +1% to bonds from equity,25,10,BrokerD,MKT,91,None,None,Normal monitoring,74,10,150,4,false,Monitor dispersion and breadth
P6146,Hands-off,IRA,USD,2024-09-12,213752,19108,194644,1.0,65.3,28.7,0.0,6.0,AAPL:20.0%;TSLA:26.7%;BND:26.7%;GLD:26.7%,US:61.0;EU:16.9;APAC:11.5;EM:6.5;Other:4.0,Value:-1.0;Growth:-0.8;Quality:-0.8;Size:+0.2;Momentum:-1.0;LowVol:+0.6,ESGOnly;NoDerivatives,8,35,4.1,trailing 8%,123,16.8,Volatile,25.1,5.08,2.7,152,-52,14,72,true,Hedge,Buy index puts 1% notional,-1,-29,BrokerC,LMT,98,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-31,-47,-38,5,false,Tighten stops on momentum names
P6147,Active,Trust,USD,2025-10-06,2492685,228003,2264682,1.0,61.8,27.0,4.2,7.1,MSFT:28.9%;MUB:28.9%;VNQ:13.4%;VOO:28.9%,US:68.4;EU:11.5;APAC:11.0;EM:5.5;Other:3.6,Value:+0.2;Growth:+0.8;Quality:+0.2;Size:+1.0;Momentum:-0.5;LowVol:+0.4,NoDerivatives,8,30,4.7,trailing 8%,224,24.9,Bear,28.3,4.22,2.4,205,2,65,64,false,Hedge,Add TLT +1% as duration hedge,-2,-14,BrokerD,LMT,86,None,None,Normal monitoring,2,-54,69,5,false,Monitor dispersion and breadth
P6148,Cautious,Taxable,USD,2024-08-28,492643,46664,445979,1.0,48.5,36.6,0.0,15.0,AMZN:21.7%;XLF:11.6%;AAPL:13.5%;TSLA:15.0%;VTI:21.7%;BRK.B:16.5%,US:76.4;EU:6.9;APAC:7.9;EM:7.3;Other:1.4,Value:+0.4;Growth:+0.4;Quality:+0.8;Size:-0.5;Momentum:+0.8;LowVol:-0.8,ESGOnly;NoMargin,6,25,4.0,trailing 8%,120,14.1,Bull,15.8,3.58,3.2,85,42,70,42,false,Buy,Add to core equity +1%,11,-7,BrokerC,MKT,89,None,None,Normal monitoring,-15,-12,47,4,false,Within IPS guidelines
P6149,Systematic,Roth,USD,2025-11-08,859827,81235,778592,1.0,60.5,30.3,1.0,8.1,AMZN:33.3%;MSFT:33.3%;VOO:33.3%,US:58.3;EU:11.5;APAC:12.3;EM:12.9;Other:5.1,Value:-0.6;Growth:+0.9;Quality:+0.2;Size:+0.1;Momentum:-0.4;LowVol:+0.4,,6,35,5.0,hard 12%,223,22.4,Bull,15.0,3.66,2.2,103,82,97,54,true,Reduce,"Cut high-beta by 2-3%, add cash",33,-3,BrokerB,LMT,99,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,52,-37,136,4,true,Increase defensive factor exposure
P6150,Hands-off,Taxable,USD,2024-12-19,221651,19756,201895,1.0,64.8,19.3,7.3,8.5,GLD:13.9%;XLF:28.7%;VTI:28.7%;VNQ:28.7%,US:71.0;EU:15.2;APAC:6.2;EM:4.1;Other:3.5,Value:-0.1;Growth:+0.2;Quality:+0.8;Size:+0.2;Momentum:+0.4;LowVol:+0.7,MaxPos7%,6,25,3.7,hard 10%,108,19.6,Volatile,21.9,4.31,3.3,123,-10,32,52,true,Rebalance,Rebalance back to target bands,14,4,BrokerA,LMT,86,VAR>budget,Hedge,Risk above budget threshold,0,-48,-23,3,false,Tax-aware sells next window
P6151,Systematic,Trust,USD,2025-07-26,491963,34776,457187,1.0,58.1,27.3,4.6,10.0,QQQ:29.3%;XLF:29.3%;VTI:12.1%;AMZN:29.3%,US:69.4;EU:7.7;APAC:12.3;EM:6.8;Other:3.8,Value:+0.7;Growth:+0.3;Quality:+0.9;Size:+0.8;Momentum:-0.5;LowVol:-0.6,NoDerivatives,6,35,4.6,trailing 8%,141,25.5,Sideways,16.4,4.76,2.8,117,43,78,45,false,Sell,Trim extended winner -1%,9,6,BrokerA,MKT,94,None,None,Normal monitoring,-54,-57,48,5,false,Increase defensive factor exposure
P6152,Opportunistic,IRA,USD,2025-10-11,993211,45943,947268,1.0,65.4,13.9,15.1,5.7,MUB:33.3%;IEF:33.3%;BND:33.3%,US:59.1;EU:19.7;APAC:8.6;EM:9.6;Other:3.0,Value:+0.2;Growth:-0.6;Quality:+0.3;Size:+0.7;Momentum:+0.1;LowVol:+0.5,MaxPos7%,7,25,7.0,trailing 7%,261,23.4,Bull,11.9,4.11,2.9,82,10,69,44,false,Rebalance,Shift +1% to bonds from equity,28,5,BrokerA,MKT,96,None,None,Normal monitoring,-22,-54,53,4,false,Increase defensive factor exposure
P6153,Cautious,Taxable,USD,2024-09-17,622935,50206,572729,1.0,50.8,38.0,0.0,11.2,VTI:8.5%;QQQ:23.3%;TLT:23.4%;BND:23.4%;VNQ:21.4%,US:68.1;EU:12.3;APAC:10.2;EM:9.4;Other:0.1,Value:-0.2;Growth:-0.4;Quality:-0.5;Size:+0.2;Momentum:+0.9;LowVol:-0.8,MaxPos6%;NoMargin,5,25,5.5,trailing 8%,146,14.3,Bull,16.2,4.2,2.1,101,31,74,38,false,Rebalance,Shift +1% to bonds from equity,-11,1,BrokerB,MKT,100,None,None,Normal monitoring,113,-34,171,5,false,Tighten stops on momentum names
P6154,Opportunistic,401k,USD,2024-11-07,437767,21141,416626,1.0,71.0,11.5,9.8,7.6,MSFT:27.2%;AMZN:27.2%;BND:18.8%;TSLA:26.9%,US:67.1;EU:8.0;APAC:11.3;EM:11.1;Other:2.5,Value:-0.3;Growth:+0.2;Quality:+0.8;Size:+0.1;Momentum:+0.8;LowVol:+0.7,,5,25,6.7,trailing 7%,240,23.3,Bear,26.1,4.39,1.2,218,25,57,74,true,Rebalance,Rebalance back to target bands,24,10,BrokerA,MKT,96,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-17,-26,11,2,false,Within IPS guidelines
P6155,Cautious,Trust,USD,2025-04-27,214251,18310,195941,1.0,44.6,41.5,0.0,13.8,QQQ:19.5%;MUB:19.8%;MSFT:30.4%;IEF:30.4%,US:72.0;EU:9.0;APAC:5.4;EM:10.7;Other:3.0,Value:+0.5;Growth:+0.7;Quality:-0.2;Size:-0.4;Momentum:+0.3;LowVol:+0.9,ESGOnly;MaxPos5%;NoMargin,5,30,3.7,hard 10%,146,19.1,Sideways,17.3,4.33,2.6,123,24,52,32,false,Buy,Add to core equity +1%,1,2,BrokerB,LMT,93,None,None,Normal monitoring,-54,11,-70,3,false,Tax-aware sells next window
P6156,Opportunistic,Trust,USD,2024-08-11,1742022,153105,1588917,1.13,77.5,16.9,0.8,4.8,TSLA:26.9%;VOO:26.9%;IEF:25.2%;BND:20.9%,US:66.3;EU:16.7;APAC:5.8;EM:11.1;Other:0.1,Value:-0.5;Growth:+0.9;Quality:-0.4;Size:-0.4;Momentum:+0.1;LowVol:-0.4,NoDerivatives,7,30,4.3,hard 12%,165,20.6,Volatile,28.8,5.38,3.1,156,1,62,84,true,Hedge,Buy index puts 1% notional,-12,-6,BrokerD,MKT,100,Drift>tolerance,Reduce,Allocation drift beyond policy bands,64,13,195,3,false,Tighten stops on momentum names
P6157,Systematic,Taxable,USD,2025-10-18,861249,55247,806002,1.0,61.1,30.4,0.0,8.5,MSFT:23.0%;BND:23.0%;MUB:23.0%;VTI:16.9%;XLF:14.0%,US:57.3;EU:15.2;APAC:12.7;EM:12.8;Other:2.0,Value:+0.3;Growth:+0.8;Quality:+0.2;Size:-0.6;Momentum:+0.6;LowVol:-0.7,MaxPos8%,7,25,4.5,trailing 9%,148,19.6,Bull,18.0,3.74,2.6,92,50,68,52,false,Buy,Add to core equity +1%,24,-24,BrokerD,LMT,88,None,None,Normal monitoring,-7,-50,-6,4,false,Tax-aware sells next window
P6158,Hands-off,Trust,USD,2024-07-09,339883,15310,324573,1.0,66.0,21.9,5.3,6.7,AAPL:33.3%;XLF:33.3%;BND:33.3%,US:67.4;EU:7.9;APAC:12.8;EM:9.4;Other:2.4,Value:+0.1;Growth:-0.8;Quality:+0.4;Size:+0.7;Momentum:+0.2;LowVol:+1.0,ESGOnly;MaxPos7%;NoDerivatives,10,30,4.5,trailing 8%,144,14.7,Volatile,30.1,4.98,4.1,136,48,75,84,true,Hedge,Buy index puts 1% notional,11,-28,BrokerC,MKT,98,VAR>budget,TightenStops,Risk above budget threshold,-47,-13,-56,3,false,Within IPS guidelines
P6159,Opportunistic,401k,USD,2025-10-13,1794301,112279,1682022,1.0,71.4,14.4,8.2,6.0,VOO:32.1%;GLD:32.1%;BND:17.8%;TLT:18.0%,US:77.3;EU:6.3;APAC:9.2;EM:5.5;Other:1.7,Value:-0.9;Growth:-0.2;Quality:+1.0;Size:+0.8;Momentum:+0.6;LowVol:-0.4,,6,25,5.6,hard 12%,215,24.4,Bull,15.7,4.99,2.0,109,98,98,60,false,NoAction,Within bands; monitor,15,-37,BrokerB,LMT,98,None,None,Normal monitoring,20,-45,136,4,false,Within IPS guidelines
P6160,Cautious,Trust,USD,2025-02-06,359203,48321,310882,1.0,39.6,42.7,4.2,13.5,IEF:18.0%;AMZN:13.2%;QQQ:19.5%;BRK.B:20.9%;XLF:7.6%;HYG:20.9%,US:68.6;EU:6.6;APAC:11.8;EM:11.7;Other:1.3,Value:-0.2;Growth:-0.7;Quality:-0.1;Size:-0.1;Momentum:-0.2;LowVol:-1.0,ESGOnly;NoDerivatives;NoMargin,10,30,3.7,trailing 8%,148,16.6,Volatile,30.9,4.93,4.5,171,74,96,60,false,Buy,Add to core equity +1%,30,5,BrokerA,LMT,90,None,None,Normal monitoring,-56,-10,37,3,false,Monitor dispersion and breadth
P6161,Hands-off,IRA,USD,2025-06-29,852798,43659,809139,1.0,65.3,22.8,2.8,9.0,IEF:19.9%;HYG:26.7%;AAPL:26.7%;BND:26.7%,US:70.6;EU:7.2;APAC:10.1;EM:8.7;Other:3.3,Value:+0.6;Growth:+1.0;Quality:+0.2;Size:+0.2;Momentum:-0.1;LowVol:-0.7,,8,25,5.7,hard 10%,97,17.9,Volatile,20.3,4.14,2.0,148,64,73,49,false,Sell,Trim extended winner -1%,18,-11,BrokerB,MKT,91,None,None,Normal monitoring,120,-53,131,4,false,Monitor dispersion and breadth
P6162,Active,Roth,USD,2024-08-29,1355286,139539,1215747,1.0,50.7,30.1,11.5,7.8,IEF:21.2%;VOO:9.8%;XLF:19.6%;MUB:18.8%;GLD:9.3%;TLT:21.2%,US:61.5;EU:14.1;APAC:11.5;EM:10.0;Other:2.9,Value:-0.4;Growth:-0.9;Quality:-0.3;Size:+0.5;Momentum:-0.0;LowVol:-0.9,NoDerivatives,8,35,5.8,trailing 9%,221,17.4,Volatile,25.7,4.56,2.0,121,-38,30,65,false,Sell,Trim extended winner -1%,-4,7,BrokerD,MKT,97,None,None,Normal monitoring,-34,13,42,4,false,Increase defensive factor exposure
P6163,Cautious,401k,USD,2025-03-31,275427,34485,240942,1.0,45.5,39.8,0.0,14.7,AAPL:25.6%;GLD:25.6%;MSFT:25.6%;TSLA:23.1%,US:65.6;EU:9.2;APAC:8.9;EM:11.2;Other:5.0,Value:+0.6;Growth:-0.2;Quality:-0.3;Size:+0.2;Momentum:-0.7;LowVol:+0.4,ESGOnly;NoMargin,5,30,4.0,trailing 8%,143,19.7,Volatile,31.1,3.62,3.3,127,-14,56,63,false,Buy,Add to core equity +1%,-5,-15,BrokerC,LMT,85,None,None,Normal monitoring,45,-21,76,3,false,Tax-aware sells next window
P6164,Hands-off,IRA,USD,2025-11-01,586552,39688,546864,1.0,56.0,18.6,15.7,9.7,AAPL:30.7%;HYG:34.6%;GLD:34.6%,US:60.2;EU:6.0;APAC:17.0;EM:12.7;Other:4.1,Value:-0.7;Growth:+0.6;Quality:-0.4;Size:+0.1;Momentum:-0.0;LowVol:+0.7,ESGOnly;MaxPos6%,5,35,5.8,trailing 8%,154,19.7,Bull,12.1,4.37,2.6,91,12,48,43,false,Rebalance,Shift +1% to bonds from equity,-2,-32,BrokerD,LMT,96,None,None,Normal monitoring,-52,-53,-32,4,false,Tighten stops on momentum names
P6165,Hands-off,Trust,USD,2025-01-09,884076,47326,836750,1.0,67.9,25.1,0.1,7.0,TSLA:22.7%;VNQ:22.7%;HYG:22.7%;IEF:19.7%;VOO:12.1%,US:67.6;EU:12.9;APAC:12.0;EM:6.2;Other:1.2,Value:-0.8;Growth:+0.5;Quality:+0.9;Size:+0.8;Momentum:+0.1;LowVol:0.0,ESGOnly;MaxPos7%,5,30,6.0,trailing 8%,98,15.4,Volatile,31.8,4.52,2.6,115,-30,46,84,true,Reduce,"Cut high-beta by 2-3%, add cash",21,-7,BrokerB,MKT,86,RegimeShift,TightenStops,Volatility spike and breadth deterioration,46,-19,24,3,false,Increase defensive factor exposure
P6166,Opportunistic,Trust,USD,2025-01-12,1749807,150752,1599055,1.0,75.7,11.1,4.7,8.5,TSLA:17.0%;VTI:17.1%;XLF:19.6%;QQQ:11.9%;VOO:14.5%;GLD:20.0%,US:61.8;EU:18.8;APAC:8.8;EM:9.1;Other:1.5,Value:-0.1;Growth:-0.7;Quality:+0.8;Size:-0.7;Momentum:-0.3;LowVol:0.0,MaxPos8%,8,25,6.0,hard 12%,246,26.4,Sideways,21.7,4.53,2.4,131,50,78,69,false,NoAction,Within bands; monitor,9,-22,BrokerB,LMT,86,None,None,Normal monitoring,-54,-52,-31,3,false,Tax-aware sells next window
P6167,Cautious,Trust,USD,2025-12-08,769543,69356,700187,1.0,35.5,44.0,9.7,10.8,TLT:33.3%;QQQ:33.3%;IEF:33.3%,US:66.3;EU:13.9;APAC:11.1;EM:7.5;Other:1.2,Value:+0.6;Growth:+0.3;Quality:+0.6;Size:-1.0;Momentum:-0.1;LowVol:+1.0,ESGOnly;MaxPos5%;NoMargin,6,30,5.5,trailing 8%,100,15.2,Sideways,14.7,4.18,2.8,138,37,74,30,false,Sell,Trim extended winner -1%,18,-7,BrokerD,LMT,93,None,None,Normal monitoring,87,-3,127,5,false,Within IPS guidelines
P6168,Active,Trust,USD,2025-02-22,1019192,115557,903635,1.0,66.1,22.8,2.9,8.2,IEF:26.8%;VNQ:36.6%;TLT:36.6%,US:57.5;EU:14.2;APAC:14.1;EM:9.5;Other:4.6,Value:+0.5;Growth:-0.9;Quality:-0.2;Size:-0.7;Momentum:+0.3;LowVol:-0.7,NoDerivatives,6,25,5.6,trailing 9%,177,27.1,Bull,15.7,4.4,2.8,89,10,42,42,false,Rebalance,Shift +1% to bonds from equity,32,-21,BrokerA,LMT,98,None,None,Normal monitoring,-45,-4,27,5,false,Increase defensive factor exposure
P6169,Hands-off,Trust,USD,2024-07-30,469139,19084,450055,1.0,60.2,24.8,7.1,7.9,XLF:23.7%;BRK.B:23.7%;TLT:23.7%;MUB:15.1%;BND:13.9%,US:73.6;EU:7.5;APAC:6.5;EM:9.2;Other:3.2,Value:-0.2;Growth:+0.3;Quality:+1.0;Size:-0.9;Momentum:+0.4;LowVol:+0.4,,8,30,5.8,hard 10%,110,13.2,Bull,11.7,4.95,2.6,88,34,52,41,false,Buy,Add to core equity +1%,-13,-8,BrokerB,MKT,89,None,None,Normal monitoring,61,-20,117,4,false,Tighten stops on momentum names
P6170,Active,401k,USD,2025-10-20,2244680,203266,2041414,1.16,56.2,26.2,10.5,7.1,VOO:25.1%;VTI:25.1%;HYG:24.8%;MUB:25.1%,US:53.6;EU:17.5;APAC:13.1;EM:11.2;Other:4.6,Value:-0.4;Growth:+0.5;Quality:+0.5;Size:+1.0;Momentum:+0.1;LowVol:+0.2,,8,35,4.1,trailing 8%,210,19.8,Bull,17.4,3.98,2.7,110,110,100,49,false,NoAction,Within bands; monitor,18,-21,BrokerA,MKT,0,None,None,Normal monitoring,-3,-18,111,3,false,Tax-aware sells next window
P6171,Opportunistic,IRA,USD,2025-01-15,769076,43620,725456,1.16,65.6,11.5,14.4,8.5,GLD:16.5%;VOO:9.8%;MUB:10.3%;VNQ:22.0%;AMZN:21.3%;HYG:20.1%,US:66.9;EU:10.1;APAC:9.2;EM:12.0;Other:1.7,Value:+0.7;Growth:+0.4;Quality:+0.3;Size:+0.5;Momentum:+0.7;LowVol:-0.8,MaxPos6%,7,35,5.5,trailing 9%,208,27.5,Bear,22.2,3.66,1.9,178,-54,10,64,false,Rebalance,Shift +1% to bonds from equity,-9,-4,BrokerC,LMT,94,None,None,Normal monitoring,-55,-41,31,3,false,Within IPS guidelines
P6172,Cautious,401k,USD,2024-11-04,655472,90140,565332,1.0,43.4,44.1,0.0,12.5,MUB:20.1%;GLD:8.6%;VTI:18.2%;MSFT:21.1%;VNQ:10.8%;BND:21.1%,US:72.8;EU:7.8;APAC:6.5;EM:9.3;Other:3.6,Value:+0.4;Growth:+0.5;Quality:-0.7;Size:-0.3;Momentum:+0.3;LowVol:-0.6,ESGOnly;MaxPos8%;NoMargin,10,25,4.6,hard 10%,120,15.5,Bear,33.1,3.72,2.1,149,-14,47,69,false,Buy,Add to core equity +1%,-13,6,BrokerA,VWAP,86,None,None,Normal monitoring,1,-26,-29,5,false,Tighten stops on momentum names
P6173,Hands-off,Roth,USD,2024-10-03,466126,38123,428003,1.0,64.8,26.4,0.0,8.8,GLD:25.2%;BRK.B:25.2%;AAPL:12.6%;TLT:11.9%;BND:25.2%,US:58.9;EU:16.1;APAC:10.2;EM:10.4;Other:4.3,Value:+0.2;Growth:-0.7;Quality:-0.6;Size:+0.3;Momentum:-0.5;LowVol:+0.4,NoDerivatives,8,25,3.8,hard 10%,136,12.7,Sideways,19.5,4.68,2.2,117,7,61,63,false,Buy,Add to core equity +1%,18,-11,BrokerB,MKT,94,None,None,Normal monitoring,104,0,180,3,false,Tighten stops on momentum names
P6174,Cautious,Roth,USD,2025-10-19,303969,42097,261872,1.0,41.5,39.8,2.5,16.2,VOO:23.4%;VTI:23.4%;AAPL:22.4%;VNQ:23.4%;AMZN:7.5%,US:62.9;EU:14.4;APAC:11.1;EM:9.0;Other:2.7,Value:+0.2;Growth:+0.4;Quality:-0.4;Size:+0.5;Momentum:-1.0;LowVol:+1.0,MaxPos5%;NoMargin,7,35,5.4,trailing 10%,147,14.5,Sideways,17.8,4.69,2.4,107,4,47,47,false,Hedge,Add TLT +1% as duration hedge,23,12,BrokerA,MKT,97,None,None,Normal monitoring,-37,-32,-54,5,false,Tighten stops on momentum names
P6175,Active,401k,USD,2024-11-26,2163197,135743,2027454,1.0,53.7,21.8,14.6,9.9,HYG:18.2%;AAPL:11.1%;TSLA:20.6%;MSFT:17.8%;TLT:16.9%;GLD:15.4%,US:70.1;EU:15.6;APAC:7.8;EM:6.2;Other:0.3,Value:-0.8;Growth:-0.5;Quality:-0.4;Size:+0.9;Momentum:+0.2;LowVol:-0.4,,8,25,5.4,trailing 8%,205,23.6,Volatile,25.1,5.31,3.5,174,-22,34,59,false,Sell,Trim extended winner -1%,-13,1,BrokerD,LMT,89,None,None,Normal monitoring,40,-54,16,5,false,Monitor dispersion and breadth
P6176,Opportunistic,Trust,USD,2025-05-04,362501,19451,343050,1.19,76.3,13.2,4.7,5.8,XLF:22.1%;VTI:22.1%;QQQ:20.4%;MUB:13.4%;AAPL:22.1%,US:65.1;EU:11.8;APAC:12.9;EM:8.5;Other:1.7,Value:+0.4;Growth:-0.6;Quality:+0.5;Size:+0.8;Momentum:-0.2;LowVol:-0.5,MaxPos6%,10,35,6.8,trailing 7%,201,33.6,Bull,11.6,3.61,3.4,97,68,90,46,false,Sell,Trim extended winner -1%,33,-31,BrokerD,MKT,97,None,None,Normal monitoring,-37,-12,4,4,false,Within IPS guidelines
P6177,Systematic,Taxable,USD,2025-12-17,1540392,78203,1462189,1.0,58.1,22.5,10.1,9.2,BRK.B:25.3%;HYG:24.0%;AMZN:25.3%;VNQ:25.3%,US:67.1;EU:13.2;APAC:10.4;EM:5.8;Other:3.5,Value:-0.5;Growth:-0.7;Quality:-0.8;Size:-0.6;Momentum:+0.9;LowVol:+1.0,NoDerivatives,10,25,5.8,trailing 8%,127,20.3,Volatile,30.5,4.84,4.2,146,-43,26,67,false,NoAction,Within bands; monitor,-10,-22,BrokerD,LMT,100,None,None,Normal monitoring,-15,12,4,3,false,Within IPS guidelines
P6178,Systematic,Roth,USD,2025-12-24,1826854,137971,1688883,1.0,61.0,31.7,0.0,7.3,AMZN:20.9%;BND:12.0%;MSFT:20.1%;BRK.B:20.1%;QQQ:18.6%;GLD:8.2%,US:66.9;EU:11.7;APAC:11.9;EM:6.0;Other:3.6,Value:-0.4;Growth:+0.8;Quality:+0.3;Size:-0.7;Momentum:-0.2;LowVol:-0.9,MaxPos6%,5,25,5.1,trailing 8%,175,27.2,Volatile,23.4,4.48,2.4,131,-39,17,68,true,Reduce,"Cut high-beta by 2-3%, add cash",1,-20,BrokerA,VWAP,94,VAR>budget,Hedge,Risk above budget threshold,-41,-53,36,5,false,Within IPS guidelines
P6179,Cautious,Trust,USD,2024-09-04,162490,16908,145582,1.0,46.9,40.2,0.0,13.0,BRK.B:25.4%;TSLA:27.9%;TLT:27.9%;VOO:18.7%,US:68.6;EU:14.0;APAC:9.0;EM:4.8;Other:3.6,Value:+0.7;Growth:+0.8;Quality:+0.1;Size:-0.7;Momentum:-0.1;LowVol:0.0,NoMargin,7,25,5.5,hard 10%,116,13.7,Volatile,27.6,4.64,2.0,138,-32,32,57,false,Rebalance,Shift +1% to bonds from equity,30,4,BrokerA,LMT,86,None,None,Normal monitoring,-31,15,-69,5,false,Tighten stops on momentum names
P6180,Hands-off,Taxable,USD,2025-02-06,166730,13497,153233,1.0,56.0,26.9,7.6,9.6,BRK.B:28.3%;QQQ:15.1%;VOO:28.3%;VNQ:28.3%,US:62.3;EU:16.0;APAC:10.4;EM:6.9;Other:4.5,Value:+0.4;Growth:+1.0;Quality:-0.6;Size:-0.1;Momentum:+0.5;LowVol:+0.1,ESGOnly;MaxPos7%,6,25,4.8,trailing 8%,104,16.4,Bear,33.1,4.16,2.8,198,-6,62,72,true,Hedge,Buy index puts 1% notional,11,-35,BrokerD,VWAP,99,VAR>budget,Pause,Risk above budget threshold,115,-52,191,5,false,Within IPS guidelines
P6181,Hands-off,401k,USD,2025-01-16,234189,21362,212827,1.0,67.9,24.7,0.0,7.4,MUB:33.3%;VNQ:33.3%;IEF:33.3%,US:74.5;EU:12.4;APAC:5.2;EM:6.1;Other:1.7,Value:-0.4;Growth:-0.8;Quality:+0.1;Size:-0.3;Momentum:-0.7;LowVol:0.0,,10,25,3.7,hard 10%,148,12.3,Bull,14.3,3.81,2.2,106,94,100,41,false,Sell,Trim extended winner -1%,1,11,BrokerD,MKT,97,None,None,Normal monitoring,31,16,130,4,false,Monitor dispersion and breadth
P6182,Hands-off,401k,USD,2024-12-22,859421,68605,790816,1.0,60.3,22.8,7.5,9.4,VTI:25.7%;BND:23.0%;TLT:25.7%;HYG:25.7%,US:63.0;EU:15.4;APAC:10.3;EM:8.1;Other:3.2,Value:+0.2;Growth:-0.1;Quality:+1.0;Size:0.0;Momentum:+0.1;LowVol:-0.4,,7,30,3.5,trailing 8%,147,18.6,Bull,14.2,4.31,3.5,102,69,88,48,false,Rebalance,Shift +1% to bonds from equity,4,-33,BrokerA,VWAP,90,None,None,Normal monitoring,92,20,80,4,false,Monitor dispersion and breadth
P6183,Active,Trust,USD,2025-08-11,547079,54569,492510,1.0,53.0,31.5,6.9,8.5,XLF:34.0%;MSFT:29.6%;AAPL:36.4%,US:70.2;EU:12.5;APAC:11.6;EM:3.3;Other:2.4,Value:+0.8;Growth:-0.2;Quality:+0.5;Size:+0.6;Momentum:+0.6;LowVol:+0.9,,10,30,4.0,hard 12%,196,19.1,Bull,15.4,3.88,2.0,92,2,61,32,false,Rebalance,Shift +1% to bonds from equity,-12,-17,BrokerB,MKT,99,None,None,Normal monitoring,-52,-1,61,4,false,Increase defensive factor exposure
P6184,Cautious,IRA,USD,2025-12-10,889758,106186,783572,1.0,47.1,37.6,0.0,15.4,VOO:21.7%;IEF:14.0%;TLT:13.3%;MUB:18.1%;TSLA:11.1%;VNQ:21.9%,US:69.5;EU:5.1;APAC:10.8;EM:10.6;Other:4.0,Value:-0.6;Growth:+1.0;Quality:-0.1;Size:-0.1;Momentum:+0.9;LowVol:+0.6,ESGOnly;NoDerivatives;NoMargin,8,35,4.5,trailing 8%,108,14.5,Bull,17.1,4.79,2.2,107,16,48,39,false,NoAction,Within bands; monitor,-10,7,BrokerA,MKT,0,None,None,Normal monitoring,6,-32,131,4,false,Monitor dispersion and breadth
P6185,Systematic,IRA,USD,2025-02-18,1067432,43306,1024126,1.0,60.7,30.4,0.0,9.0,HYG:26.5%;VOO:20.5%;MUB:26.5%;TSLA:26.5%,US:65.4;EU:18.7;APAC:6.9;EM:3.9;Other:5.2,Value:-0.5;Growth:+0.2;Quality:+0.1;Size:-0.1;Momentum:-0.8;LowVol:+0.8,MaxPos8%,5,25,5.4,trailing 9%,122,24.1,Volatile,22.4,5.5,2.8,156,10,45,58,false,Hedge,Add TLT +1% as duration hedge,8,-18,BrokerD,LMT,87,None,None,Normal monitoring,108,-33,154,4,false,Tighten stops on momentum names
P6186,Opportunistic,Taxable,USD,2025-10-19,1235638,78267,1157371,1.0,61.1,18.6,11.6,8.7,QQQ:33.3%;XLF:33.3%;TSLA:33.3%,US:72.3;EU:10.9;APAC:9.2;EM:3.8;Other:3.9,Value:-0.3;Growth:-0.1;Quality:+0.3;Size:-0.7;Momentum:-0.8;LowVol:-0.5,,10,25,5.2,trailing 9%,160,20.8,Volatile,24.8,3.85,3.4,111,71,74,72,true,Rebalance,Rebalance back to target bands,22,11,BrokerD,LMT,88,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-47,-30,-60,4,true,Tighten stops on momentum names
P6187,Cautious,Taxable,USD,2025-03-30,716711,78903,637808,1.0,41.9,41.0,5.7,11.4,MSFT:21.3%;AMZN:11.5%;GLD:16.8%;BND:25.2%;XLF:25.2%,US:68.8;EU:5.6;APAC:14.6;EM:7.3;Other:3.6,Value:+0.5;Growth:-0.2;Quality:+0.1;Size:-0.4;Momentum:-0.2;LowVol:+0.5,NoMargin,7,30,4.6,hard 10%,145,17.7,Bear,29.0,4.37,2.7,185,-37,42,67,false,NoAction,Within bands; monitor,6,-9,BrokerA,LMT,95,None,None,Normal monitoring,67,-51,105,4,false,Monitor dispersion and breadth
P6188,Cautious,Trust,USD,2025-10-09,295270,35482,259788,1.0,38.0,34.2,17.8,10.1,MSFT:27.2%;TLT:18.3%;MUB:27.2%;VTI:27.2%,US:64.6;EU:16.9;APAC:9.8;EM:8.1;Other:0.6,Value:+0.8;Growth:-0.5;Quality:+0.6;Size:+0.1;Momentum:-0.5;LowVol:+0.3,NoMargin,7,30,3.9,trailing 8%,115,15.0,Sideways,21.6,4.65,2.7,118,15,43,39,false,Sell,Trim extended winner -1%,4,12,BrokerD,LMT,94,None,None,Normal monitoring,37,7,110,5,false,Increase defensive factor exposure
P6189,Cautious,Roth,USD,2025-12-15,232418,25531,206887,1.0,43.4,34.4,4.7,17.4,TLT:26.3%;IEF:26.3%;VOO:26.3%;VTI:21.2%,US:63.6;EU:11.4;APAC:12.4;EM:9.3;Other:3.2,Value:+0.6;Growth:-0.5;Quality:-0.6;Size:-0.5;Momentum:-0.4;LowVol:+0.6,NoMargin,10,30,4.1,trailing 10%,128,19.2,Sideways,17.3,3.72,2.9,110,-25,30,38,false,Rebalance,Shift +1% to bonds from equity,6,-38,BrokerB,MKT,85,None,None,Normal monitoring,60,-33,159,5,false,Tax-aware sells next window
P6190,Cautious,Trust,USD,2025-08-21,295280,24452,270828,1.0,42.5,36.2,3.5,17.9,TLT:11.2%;AAPL:19.1%;VOO:15.0%;AMZN:21.6%;QQQ:13.1%;HYG:20.1%,US:71.7;EU:8.0;APAC:10.5;EM:5.6;Other:4.2,Value:+0.9;Growth:+0.6;Quality:-0.1;Size:-0.6;Momentum:+1.0;LowVol:-0.4,ESGOnly;MaxPos5%;NoMargin,6,30,5.3,hard 10%,132,13.8,Bull,17.2,4.06,3.1,98,25,71,41,false,Rebalance,Shift +1% to bonds from equity,5,6,BrokerC,VWAP,98,None,None,Normal monitoring,6,9,-12,5,false,Tax-aware sells next window
P6191,Active,Trust,USD,2025-06-05,1843056,134335,1708721,1.0,59.5,18.1,12.4,10.0,AAPL:25.2%;TSLA:10.3%;TLT:14.0%;QQQ:25.2%;BRK.B:25.2%,US:59.2;EU:19.9;APAC:13.1;EM:3.6;Other:4.1,Value:-0.2;Growth:-0.6;Quality:+0.5;Size:+1.0;Momentum:-1.0;LowVol:+0.3,,8,30,5.1,hard 12%,190,17.4,Sideways,20.0,4.23,2.8,109,25,57,54,false,NoAction,Within bands; monitor,35,-13,BrokerD,VWAP,88,None,None,Normal monitoring,-11,-18,101,4,false,Within IPS guidelines
P6192,Hands-off,Trust,USD,2025-08-10,203632,15697,187935,1.0,59.7,18.8,13.4,8.2,AAPL:23.6%;XLF:23.2%;AMZN:23.6%;GLD:15.1%;MSFT:14.4%,US:67.8;EU:6.8;APAC:12.7;EM:9.0;Other:3.7,Value:+0.3;Growth:-0.7;Quality:-0.2;Size:-0.7;Momentum:-0.4;LowVol:-1.0,NoDerivatives,10,25,3.5,trailing 10%,90,13.0,Bull,11.6,3.65,2.7,74,52,85,44,false,Buy,Add to core equity +1%,10,-6,BrokerB,MKT,85,None,None,Normal monitoring,36,-50,101,3,false,Monitor dispersion and breadth
P6193,Hands-off,IRA,USD,2024-07-26,643212,47575,595637,1.0,61.5,28.6,0.5,9.3,IEF:14.5%;VNQ:8.9%;VOO:21.8%;TLT:19.2%;HYG:21.8%;XLF:13.8%,US:65.8;EU:11.0;APAC:12.2;EM:6.2;Other:4.7,Value:+0.7;Growth:-0.8;Quality:-0.8;Size:-0.6;Momentum:+0.6;LowVol:-0.3,ESGOnly;MaxPos7%,6,35,4.1,trailing 8%,128,19.2,Volatile,28.8,4.06,3.1,151,35,68,69,false,Buy,Add to core equity +1%,-14,-34,BrokerC,LMT,100,None,None,Normal monitoring,9,-2,-9,3,false,Within IPS guidelines
P6194,Opportunistic,Roth,USD,2025-07-22,1292273,105509,1186764,1.23,64.9,13.5,13.3,8.3,AMZN:28.3%;AAPL:27.7%;IEF:28.3%;MSFT:15.7%,US:60.9;EU:15.1;APAC:13.4;EM:6.5;Other:4.1,Value:+0.3;Growth:+0.9;Quality:-0.3;Size:+0.2;Momentum:+0.2;LowVol:-0.4,,7,35,4.5,trailing 7%,170,29.2,Sideways,20.1,3.61,2.8,119,51,75,67,true,Hedge,Buy index puts 1% notional,27,-14,BrokerC,MKT,85,Drift>tolerance,Hedge,Allocation drift beyond policy bands,103,-33,122,2,false,Tighten stops on momentum names
P6195,Hands-off,401k,USD,2025-04-01,375113,20742,354371,1.0,69.5,22.9,0.0,7.6,TSLA:18.2%;GLD:27.9%;VNQ:27.9%;MUB:26.0%,US:66.3;EU:11.5;APAC:12.1;EM:9.5;Other:0.6,Value:+0.4;Growth:+0.5;Quality:+0.7;Size:-0.2;Momentum:+0.8;LowVol:+0.5,ESGOnly,8,35,5.5,trailing 8%,93,13.3,Volatile,21.5,4.85,2.7,142,-36,42,61,false,NoAction,Within bands; monitor,31,-1,BrokerC,LMT,92,None,None,Normal monitoring,-46,-35,-58,5,false,Monitor dispersion and breadth
P6196,Systematic,Taxable,USD,2025-07-14,1976912,114742,1862170,1.0,57.0,31.8,3.5,7.7,TSLA:28.3%;MSFT:28.3%;IEF:28.3%;XLF:15.0%,US:59.3;EU:19.3;APAC:10.5;EM:10.6;Other:0.3,Value:-0.6;Growth:+0.9;Quality:+0.9;Size:+0.5;Momentum:-1.0;LowVol:-0.8,NoDerivatives,5,25,4.4,trailing 8%,180,24.0,Volatile,20.5,3.74,3.5,143,32,61,46,false,Rebalance,Shift +1% to bonds from equity,1,-30,BrokerD,LMT,89,None,None,Normal monitoring,100,8,138,4,false,Monitor dispersion and breadth
P6197,Active,IRA,USD,2025-11-28,1944408,172776,1771632,1.0,53.6,20.2,18.9,7.3,QQQ:24.9%;TSLA:37.5%;HYG:37.5%,US:69.8;EU:11.8;APAC:8.1;EM:8.0;Other:2.2,Value:-0.5;Growth:+0.2;Quality:+0.9;Size:+0.2;Momentum:-0.5;LowVol:-0.6,MaxPos7%;NoDerivatives,6,25,5.7,hard 12%,199,26.4,Bear,27.9,4.29,1.1,155,11,59,60,false,Buy,Add to core equity +1%,27,-31,BrokerC,MKT,88,None,None,Normal monitoring,20,-36,156,4,false,Tighten stops on momentum names
P6198,Opportunistic,401k,USD,2025-05-10,562093,31651,530442,1.0,67.8,19.7,7.3,5.2,GLD:22.2%;AMZN:10.0%;MSFT:19.0%;VOO:13.1%;HYG:13.5%;VNQ:22.2%,US:61.1;EU:18.0;APAC:9.7;EM:10.2;Other:1.0,Value:-0.3;Growth:-0.5;Quality:-0.3;Size:-0.9;Momentum:-0.9;LowVol:+0.9,,6,35,4.6,hard 12%,233,21.7,Bear,32.6,3.54,2.0,197,-73,15,78,true,Reduce,"Cut high-beta by 2-3%, add cash",4,-34,BrokerC,MKT,92,RegimeShift,Reduce,Volatility spike and breadth deterioration,105,-9,152,5,false,Within IPS guidelines
P6199,Hands-off,401k,USD,2024-11-01,735086,43620,691466,1.0,66.1,15.3,11.9,6.7,XLF:26.3%;HYG:26.3%;GLD:25.8%;VNQ:21.6%,US:70.7;EU:8.2;APAC:6.8;EM:10.7;Other:3.6,Value:-0.9;Growth:-0.6;Quality:+0.2;Size:-0.7;Momentum:-0.5;LowVol:+0.1,ESGOnly,7,30,3.8,trailing 10%,106,13.3,Bear,23.8,4.18,2.6,214,-6,35,68,false,Buy,Add to core equity +1%,4,-28,BrokerC,MKT,97,None,None,Normal monitoring,103,-48,218,3,false,Tighten stops on momentum names
P6200,Opportunistic,401k,USD,2025-04-07,656513,53158,603355,1.07,65.0,12.9,15.8,6.3,VOO:33.3%;VNQ:33.3%;MSFT:33.3%,US:68.6;EU:13.6;APAC:12.6;EM:4.0;Other:1.0,Value:-0.7;Growth:-0.6;Quality:-0.7;Size:+0.3;Momentum:+0.4;LowVol:+0.6,MaxPos7%,8,25,5.8,trailing 9%,273,21.0,Bull,14.8,3.83,2.8,70,119,98,57,false,Buy,Add to core equity +1%,10,7,BrokerA,MKT,88,None,None,Normal monitoring,118,-45,247,3,false,Tax-aware sells next window
P6201,Hands-off,Roth,USD,2025-02-10,593829,27348,566481,1.0,56.2,22.8,13.0,8.1,VOO:20.7%;BRK.B:23.0%;QQQ:18.4%;TSLA:23.0%;MUB:14.9%,US:73.9;EU:7.1;APAC:6.1;EM:10.3;Other:2.7,Value:+0.1;Growth:-0.1;Quality:+0.8;Size:-0.9;Momentum:-0.1;LowVol:+0.8,ESGOnly;MaxPos6%;NoDerivatives,8,30,3.7,trailing 8%,149,16.2,Bull,16.2,3.87,2.8,84,68,83,46,false,Rebalance,Shift +1% to bonds from equity,17,4,BrokerD,LMT,90,None,None,Normal monitoring,11,-46,60,3,false,Monitor dispersion and breadth
P6202,Hands-off,Trust,USD,2025-09-19,586693,42042,544651,1.0,69.5,24.5,0.0,6.0,HYG:25.0%;TLT:25.0%;AMZN:25.0%;MSFT:25.0%,US:67.6;EU:12.0;APAC:12.0;EM:4.0;Other:4.4,Value:+0.3;Growth:+0.7;Quality:-1.0;Size:-0.9;Momentum:-0.1;LowVol:+0.7,,8,35,3.1,trailing 10%,107,17.5,Sideways,19.9,4.03,2.1,135,-1,46,64,false,Rebalance,Shift +1% to bonds from equity,28,14,BrokerD,MKT,92,None,None,Normal monitoring,-6,-51,-20,5,false,Monitor dispersion and breadth
P6203,Systematic,401k,USD,2025-06-21,737852,50464,687388,1.0,59.4,21.0,14.5,5.1,AAPL:21.8%;VTI:19.0%;BND:8.0%;IEF:21.8%;AMZN:18.2%;TSLA:11.2%,US:58.0;EU:15.6;APAC:16.2;EM:6.4;Other:3.9,Value:+0.3;Growth:-1.0;Quality:+0.1;Size:-0.4;Momentum:+0.1;LowVol:+0.7,,10,30,5.0,hard 12%,229,20.7,Bear,34.8,4.33,2.8,201,-100,5,89,true,Hedge,Buy index puts 1% notional,23,4,BrokerD,MKT,89,Drift>tolerance,Pause,Allocation drift beyond policy bands,72,2,211,5,false,Increase defensive factor exposure
P6204,Opportunistic,401k,USD,2025-08-19,1604447,69656,1534791,1.0,72.6,14.1,6.5,6.9,TLT:20.4%;BND:16.5%;VTI:18.5%;AMZN:22.2%;TSLA:22.2%,US:78.0;EU:10.7;APAC:5.9;EM:3.5;Other:1.9,Value:-0.2;Growth:+0.4;Quality:-0.0;Size:-0.1;Momentum:+0.1;LowVol:-0.1,MaxPos8%,6,25,6.9,trailing 9%,188,32.1,Volatile,27.7,3.77,3.8,166,70,92,76,true,Reduce,"Cut high-beta by 2-3%, add cash",9,6,BrokerA,MKT,91,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,39,-12,41,5,false,Increase defensive factor exposure
P6205,Opportunistic,Roth,USD,2024-08-29,1300918,75710,1225208,1.0,65.2,14.1,14.7,6.0,TLT:21.6%;BRK.B:24.4%;AMZN:12.6%;QQQ:18.0%;TSLA:23.3%,US:64.2;EU:17.7;APAC:12.8;EM:4.7;Other:0.6,Value:0.0;Growth:+1.0;Quality:-0.3;Size:+0.4;Momentum:-0.4;LowVol:0.0,NoDerivatives,6,25,4.3,trailing 7%,186,27.7,Sideways,17.8,4.17,2.9,92,-13,47,50,false,Rebalance,Shift +1% to bonds from equity,-12,-9,BrokerC,MKT,92,None,None,Normal monitoring,114,4,208,4,false,Monitor dispersion and breadth
P6206,Hands-off,IRA,USD,2025-10-30,846142,77354,768788,1.0,61.5,29.1,0.0,9.5,BRK.B:15.1%;TLT:28.3%;IEF:28.3%;VOO:28.3%,US:62.4;EU:20.4;APAC:11.2;EM:3.3;Other:2.6,Value:+0.2;Growth:-0.1;Quality:+1.0;Size:+0.8;Momentum:+0.1;LowVol:-0.6,,8,25,5.4,hard 10%,114,14.1,Sideways,21.5,3.63,2.5,100,27,49,64,false,NoAction,Within bands; monitor,-6,10,BrokerD,MKT,0,None,None,Normal monitoring,47,-32,20,5,false,Within IPS guidelines
P6207,Opportunistic,IRA,USD,2025-09-25,1528497,86731,1441766,1.0,63.2,12.4,17.7,6.7,MUB:21.4%;VNQ:13.5%;BND:19.5%;VOO:21.4%;AAPL:14.2%;BRK.B:10.1%,US:71.3;EU:10.8;APAC:9.4;EM:8.3;Other:0.3,Value:-0.4;Growth:+0.4;Quality:+0.2;Size:-0.4;Momentum:+0.7;LowVol:+0.2,NoDerivatives,7,35,7.0,hard 12%,277,26.2,Volatile,27.1,4.04,2.9,162,46,76,71,true,Hedge,Buy index puts 1% notional,18,-34,BrokerA,MKT,99,VAR>budget,Reduce,Risk above budget threshold,106,-29,120,3,false,Tax-aware sells next window
P6208,Systematic,401k,USD,2025-11-01,1170176,74856,1095320,1.0,67.2,25.4,1.0,6.3,XLF:18.1%;BND:21.3%;IEF:20.2%;TSLA:10.6%;TLT:21.3%;HYG:8.6%,US:68.3;EU:18.1;APAC:6.3;EM:4.5;Other:2.9,Value:0.0;Growth:+0.5;Quality:+0.5;Size:-0.2;Momentum:-0.3;LowVol:+0.6,NoDerivatives,10,25,4.2,trailing 8%,206,21.8,Volatile,20.9,5.4,2.4,122,-53,33,70,false,Buy,Add to core equity +1%,13,-13,BrokerD,LMT,98,None,None,Normal monitoring,45,0,121,4,false,Increase defensive factor exposure
P6209,Cautious,Taxable,USD,2025-08-30,471740,53813,417927,1.0,40.4,37.7,9.7,12.2,VNQ:7.7%;QQQ:14.6%;BRK.B:17.0%;TSLA:22.0%;TLT:18.1%;HYG:20.6%,US:75.1;EU:13.3;APAC:5.0;EM:3.7;Other:2.8,Value:+0.2;Growth:-0.8;Quality:-0.4;Size:+1.0;Momentum:-0.4;LowVol:-0.4,NoDerivatives;NoMargin,6,25,4.1,trailing 8%,164,15.5,Bull,17.3,4.28,2.3,96,13,67,28,false,Sell,Trim extended winner -1%,34,-29,BrokerA,LMT,95,None,None,Normal monitoring,105,-59,236,5,false,Tax-aware sells next window
P6210,Systematic,Taxable,USD,2025-12-04,1253400,81499,1171901,1.0,61.5,22.1,7.9,8.6,TSLA:28.2%;VNQ:19.5%;XLF:24.2%;AAPL:28.2%,US:63.1;EU:7.8;APAC:10.4;EM:13.9;Other:4.8,Value:-0.2;Growth:-0.2;Quality:-0.2;Size:-0.1;Momentum:+0.1;LowVol:+0.7,MaxPos5%,6,25,4.6,trailing 8%,202,18.6,Volatile,25.1,4.72,3.5,119,68,90,74,true,Reduce,"Cut high-beta by 2-3%, add cash",-6,4,BrokerB,MKT,92,Drift>tolerance,Reduce,Allocation drift beyond policy bands,62,-8,162,5,false,Tax-aware sells next window
P6211,Cautious,Taxable,USD,2024-08-21,279121,27354,251767,1.0,47.3,37.9,0.0,14.8,XLF:16.7%;HYG:20.1%;QQQ:19.7%;VOO:21.7%;AAPL:21.7%,US:75.1;EU:8.9;APAC:10.6;EM:4.5;Other:0.8,Value:-0.5;Growth:+0.8;Quality:+0.4;Size:+0.7;Momentum:+0.3;LowVol:-0.1,MaxPos8%;NoMargin,5,30,5.4,trailing 10%,105,16.8,Sideways,17.7,3.64,2.8,129,-20,29,36,false,Buy,Add to core equity +1%,11,-13,BrokerD,MKT,94,None,None,Normal monitoring,84,-50,174,3,false,Increase defensive factor exposure
P6212,Systematic,IRA,USD,2025-07-02,721082,39051,682031,1.0,62.7,22.3,9.2,5.8,MSFT:13.1%;TLT:15.1%;XLF:11.1%;BND:20.8%;VTI:18.4%;IEF:21.4%,US:70.1;EU:11.3;APAC:9.1;EM:8.9;Other:0.6,Value:-0.1;Growth:+0.4;Quality:-0.2;Size:+0.4;Momentum:+0.4;LowVol:+0.3,MaxPos5%,6,25,5.8,hard 12%,204,24.7,Volatile,22.8,4.16,2.6,140,71,77,63,false,Rebalance,Shift +1% to bonds from equity,5,10,BrokerD,LMT,92,None,None,Normal monitoring,-12,-43,98,4,false,Increase defensive factor exposure
P6213,Active,401k,USD,2024-11-10,1112885,103906,1008979,1.0,51.5,30.4,9.9,8.1,AMZN:23.3%;XLF:23.6%;IEF:7.5%;BRK.B:21.9%;VTI:23.6%,US:74.9;EU:8.6;APAC:11.4;EM:5.0;Other:0.1,Value:+0.3;Growth:+0.3;Quality:+0.3;Size:+0.2;Momentum:-0.6;LowVol:+0.2,,6,30,4.4,trailing 9%,222,22.3,Sideways,15.8,3.72,2.4,132,30,64,32,false,Rebalance,Shift +1% to bonds from equity,23,2,BrokerC,LMT,89,None,None,Normal monitoring,45,-55,143,3,false,Tighten stops on momentum names
P6214,Active,IRA,USD,2025-01-22,1486203,171454,1314749,1.17,58.1,30.6,2.6,8.8,TLT:19.3%;VOO:26.9%;HYG:26.9%;TSLA:26.9%,US:67.2;EU:17.2;APAC:7.1;EM:6.7;Other:1.9,Value:+0.9;Growth:0.0;Quality:+0.8;Size:-0.9;Momentum:-0.7;LowVol:+0.2,,5,30,5.9,trailing 9%,148,21.0,Bull,14.2,4.58,3.5,91,45,67,38,false,Rebalance,Shift +1% to bonds from equity,-11,-36,BrokerD,MKT,87,None,None,Normal monitoring,80,-52,149,4,false,Tighten stops on momentum names
P6215,Opportunistic,Trust,USD,2025-07-31,1386249,55303,1330946,1.0,60.5,16.5,15.0,7.9,QQQ:13.2%;VTI:19.7%;BND:22.4%;MSFT:22.4%;BRK.B:22.4%,US:57.4;EU:18.9;APAC:7.4;EM:11.4;Other:5.0,Value:-0.4;Growth:+0.6;Quality:+0.6;Size:-0.5;Momentum:+0.3;LowVol:+0.3,,7,30,4.6,trailing 7%,270,24.4,Sideways,17.1,3.8,2.8,96,28,76,46,false,Rebalance,Shift +1% to bonds from equity,3,-20,BrokerD,MKT,94,None,None,Normal monitoring,-45,18,55,5,false,Increase defensive factor exposure
P6216,Cautious,IRA,USD,2024-07-05,464810,73687,391123,1.0,39.3,40.9,6.5,13.2,VTI:22.6%;QQQ:9.5%;AMZN:22.6%;VOO:22.6%;IEF:22.6%,US:68.6;EU:10.1;APAC:9.0;EM:9.4;Other:2.8,Value:+1.0;Growth:-0.3;Quality:+0.5;Size:+0.7;Momentum:-0.9;LowVol:-0.0,ESGOnly;NoMargin,5,35,3.7,trailing 8%,165,17.3,Bull,17.5,4.75,2.0,110,101,100,32,false,Buy,Add to core equity +1%,-8,-20,BrokerB,VWAP,86,None,None,Normal monitoring,18,-15,21,5,false,Increase defensive factor exposure
P6217,Hands-off,401k,USD,2025-03-03,822164,56236,765928,1.0,66.6,24.9,0.8,7.7,BRK.B:11.4%;XLF:19.4%;QQQ:7.9%;TSLA:20.4%;GLD:20.4%;HYG:20.4%,US:65.2;EU:14.4;APAC:12.1;EM:4.4;Other:3.9,Value:+0.5;Growth:-0.3;Quality:+0.8;Size:-0.9;Momentum:-0.4;LowVol:-0.2,ESGOnly;MaxPos5%;NoDerivatives,7,25,3.5,trailing 10%,117,19.4,Bull,14.7,3.94,2.9,103,35,65,54,false,Sell,Trim extended winner -1%,21,-29,BrokerC,LMT,90,None,None,Normal monitoring,42,-57,72,3,false,Monitor dispersion and breadth
P6218,Active,Trust,USD,2025-11-11,1767905,144758,1623147,1.0,58.2,24.4,7.7,9.7,XLF:25.0%;GLD:25.0%;TLT:25.0%;VTI:25.0%,US:67.3;EU:7.6;APAC:9.6;EM:11.7;Other:3.8,Value:+0.2;Growth:+0.4;Quality:-0.2;Size:+0.2;Momentum:+0.4;LowVol:-0.1,NoDerivatives,6,25,5.0,trailing 8%,148,20.0,Volatile,28.1,4.88,3.0,152,-31,40,77,true,Hedge,Buy index puts 1% notional,-4,-9,BrokerC,LMT,86,RegimeShift,TightenStops,Volatility spike and breadth deterioration,-57,-26,-59,2,false,Tighten stops on momentum names
P6219,Hands-off,Taxable,USD,2025-01-16,187455,18294,169161,1.0,64.0,25.3,3.9,6.8,MUB:21.1%;VTI:10.6%;AMZN:22.8%;HYG:22.8%;MSFT:22.8%,US:62.1;EU:12.9;APAC:12.1;EM:10.2;Other:2.7,Value:-0.1;Growth:-0.4;Quality:-0.5;Size:+0.4;Momentum:-0.1;LowVol:0.0,MaxPos7%,10,35,5.5,hard 10%,169,18.7,Bull,11.8,4.63,3.0,74,10,47,35,false,Rebalance,Shift +1% to bonds from equity,33,-9,BrokerD,MKT,97,None,None,Normal monitoring,25,-53,42,5,false,Tax-aware sells next window
P6220,Active,Taxable,USD,2025-12-24,2269979,208113,2061866,1.0,62.9,28.7,0.0,8.4,BND:13.0%;AAPL:20.5%;MSFT:22.2%;MUB:22.2%;IEF:22.2%,US:60.0;EU:17.0;APAC:13.7;EM:6.1;Other:3.1,Value:-0.7;Growth:-0.4;Quality:+0.5;Size:-0.7;Momentum:+0.3;LowVol:-0.2,,8,35,4.6,hard 12%,139,23.2,Bull,15.4,3.95,3.3,109,62,67,43,false,Buy,Add to core equity +1%,6,-30,BrokerB,MKT,87,None,None,Normal monitoring,102,-38,210,4,false,Monitor dispersion and breadth
P6221,Active,Taxable,USD,2025-12-13,2099278,228051,1871227,1.0,56.0,25.4,10.1,8.5,MUB:33.3%;TLT:33.3%;VOO:33.3%,US:65.6;EU:6.9;APAC:7.8;EM:14.3;Other:5.4,Value:+0.6;Growth:0.0;Quality:-0.8;Size:+0.1;Momentum:-0.9;LowVol:+0.3,,8,30,5.6,trailing 8%,230,24.9,Bull,13.1,3.56,3.0,109,103,100,36,false,Buy,Add to core equity +1%,4,1,BrokerB,MKT,88,None,None,Normal monitoring,113,-4,249,3,false,Increase defensive factor exposure
P6222,Cautious,Taxable,USD,2024-10-05,824207,97021,727186,1.0,37.1,32.4,14.3,16.2,VOO:27.3%;MSFT:18.1%;TSLA:27.3%;AAPL:27.3%,US:63.5;EU:11.9;APAC:8.4;EM:11.9;Other:4.3,Value:-0.8;Growth:-0.5;Quality:-0.6;Size:+0.5;Momentum:-1.0;LowVol:+1.0,NoMargin,7,35,3.1,trailing 8%,126,18.6,Sideways,15.3,4.37,3.4,115,26,76,33,true,Hedge,Buy index puts 1% notional,-12,13,BrokerB,LMT,88,VAR>budget,Hedge,Risk above budget threshold,-57,7,-11,4,false,Tighten stops on momentum names
P6223,Active,IRA,USD,2024-10-29,532342,32395,499947,1.0,62.5,28.3,0.0,9.2,VTI:23.2%;TSLA:23.2%;VOO:16.1%;QQQ:14.4%;TLT:23.2%,US:53.3;EU:20.7;APAC:13.6;EM:8.6;Other:3.7,Value:-0.6;Growth:+0.3;Quality:+0.7;Size:+0.7;Momentum:+0.6;LowVol:0.0,,6,35,4.6,hard 12%,152,19.6,Sideways,19.3,4.5,2.2,138,31,56,47,false,Hedge,Add TLT +1% as duration hedge,24,8,BrokerB,VWAP,95,None,None,Normal monitoring,71,-22,69,4,false,Tax-aware sells next window
P6224,Active,Taxable,USD,2024-09-16,1302534,117048,1185486,1.0,65.9,19.1,8.4,6.5,QQQ:12.9%;IEF:20.8%;MUB:20.8%;AMZN:15.9%;TSLA:18.2%;BND:11.3%,US:66.1;EU:10.8;APAC:6.9;EM:11.9;Other:4.2,Value:+0.7;Growth:-0.4;Quality:-0.3;Size:-0.6;Momentum:-0.4;LowVol:+0.6,MaxPos7%;NoDerivatives,6,25,4.1,trailing 9%,222,20.5,Volatile,23.1,4.81,3.8,144,-11,49,55,true,Hedge,Buy index puts 1% notional,32,-23,BrokerC,LMT,87,VAR>budget,Hedge,Risk above budget threshold,-60,1,63,4,true,Tighten stops on momentum names
P6225,Opportunistic,Trust,USD,2025-10-09,346579,18497,328082,1.0,60.1,14.7,20.4,4.7,MSFT:23.6%;VOO:12.1%;BND:23.6%;XLF:17.2%;HYG:23.6%,US:67.1;EU:15.2;APAC:7.5;EM:10.0;Other:0.2,Value:-0.7;Growth:+0.2;Quality:+0.7;Size:-0.6;Momentum:+0.5;LowVol:-0.2,MaxPos7%,8,35,6.7,trailing 7%,197,32.2,Bull,17.3,4.53,3.0,119,46,58,44,false,Rebalance,Shift +1% to bonds from equity,-3,-37,BrokerC,MKT,90,None,None,Normal monitoring,21,-55,144,3,false,Within IPS guidelines
P6226,Systematic,Taxable,USD,2025-09-20,883751,46935,836816,1.0,65.5,25.0,4.4,5.1,VOO:15.5%;XLF:21.4%;IEF:20.4%;GLD:21.4%;VTI:21.4%,US:63.1;EU:15.0;APAC:11.0;EM:8.3;Other:2.5,Value:+0.2;Growth:-0.1;Quality:-0.3;Size:-0.5;Momentum:-1.0;LowVol:+0.9,MaxPos7%,10,25,5.9,trailing 9%,216,26.7,Bull,13.5,4.42,3.1,117,71,96,48,false,NoAction,Within bands; monitor,17,-9,BrokerC,LMT,98,None,None,Normal monitoring,107,-10,103,5,false,Within IPS guidelines
P6227,Hands-off,401k,USD,2024-09-03,201594,9521,192073,1.0,66.9,25.4,0.0,7.7,AAPL:33.3%;TSLA:33.3%;IEF:33.3%,US:70.7;EU:10.6;APAC:7.1;EM:10.7;Other:0.9,Value:-0.9;Growth:+0.2;Quality:+0.2;Size:-0.4;Momentum:-0.3;LowVol:+0.3,,6,30,4.7,trailing 8%,128,15.4,Bear,26.2,3.58,1.3,198,-50,32,74,true,Reduce,"Cut high-beta by 2-3%, add cash",18,-3,BrokerA,LMT,90,VAR>budget,Hedge,Risk above budget threshold,83,-28,83,2,false,Tax-aware sells next window
P6228,Cautious,Taxable,USD,2024-11-19,361170,36533,324637,1.0,46.0,30.4,7.8,15.9,MSFT:33.5%;VTI:33.1%;AMZN:33.5%,US:70.9;EU:8.7;APAC:14.7;EM:4.9;Other:0.9,Value:-0.5;Growth:-0.3;Quality:+0.7;Size:-0.6;Momentum:+0.9;LowVol:-0.6,ESGOnly;MaxPos6%;NoDerivatives;NoMargin,8,25,4.6,trailing 10%,143,13.2,Sideways,17.3,3.59,3.0,113,31,69,35,false,Rebalance,Shift +1% to bonds from equity,28,-6,BrokerD,LMT,96,None,None,Normal monitoring,-37,-36,17,4,false,Tax-aware sells next window
P6229,Hands-off,Taxable,USD,2025-06-26,267130,19539,247591,1.0,68.2,23.8,0.0,7.9,MSFT:16.2%;MUB:27.9%;IEF:27.9%;AMZN:27.9%,US:62.9;EU:18.9;APAC:8.8;EM:4.9;Other:4.5,Value:+0.1;Growth:+0.8;Quality:+0.4;Size:+0.7;Momentum:+0.1;LowVol:+0.8,MaxPos7%;NoDerivatives,5,30,4.9,hard 10%,148,15.4,Bear,32.8,3.64,3.0,136,-40,26,88,true,Reduce,"Cut high-beta by 2-3%, add cash",33,3,BrokerB,MKT,98,Drift>tolerance,Pause,Allocation drift beyond policy bands,-54,8,9,5,false,Tax-aware sells next window
P6230,Opportunistic,IRA,USD,2025-09-12,753697,60599,693098,1.23,75.3,15.9,4.4,4.3,VOO:22.9%;BND:13.7%;BRK.B:22.9%;XLF:18.8%;AAPL:21.7%,US:64.0;EU:15.1;APAC:10.7;EM:6.6;Other:3.7,Value:+0.1;Growth:+0.1;Quality:-0.2;Size:-0.9;Momentum:-0.8;LowVol:-0.5,MaxPos6%;NoDerivatives,5,35,6.7,trailing 7%,229,24.7,Bear,26.6,3.26,1.7,198,4,53,82,true,Reduce,"Cut high-beta by 2-3%, add cash",6,-20,BrokerD,MKT,92,VAR>budget,Reduce,Risk above budget threshold,33,-60,4,5,true,Monitor dispersion and breadth
P6231,Cautious,Trust,USD,2025-08-04,712836,64850,647986,1.0,45.7,40.8,0.0,13.5,BND:20.0%;VOO:22.3%;TSLA:22.5%;MSFT:12.7%;MUB:22.5%,US:68.6;EU:7.6;APAC:9.9;EM:11.7;Other:2.2,Value:-0.2;Growth:-0.5;Quality:+0.6;Size:+0.5;Momentum:+0.9;LowVol:-1.0,ESGOnly;MaxPos6%;NoDerivatives;NoMargin,7,25,4.7,hard 10%,148,20.0,Sideways,19.2,4.97,2.1,103,11,46,35,false,Rebalance,Shift +1% to bonds from equity,-6,9,BrokerA,VWAP,99,None,None,Normal monitoring,-11,-9,66,3,false,Within IPS guidelines
P6232,Systematic,Trust,USD,2024-09-18,1331006,64612,1266394,1.0,63.5,22.3,4.2,10.0,HYG:33.6%;TSLA:32.9%;XLF:33.6%,US:71.0;EU:14.5;APAC:6.2;EM:5.6;Other:2.7,Value:+0.3;Growth:+0.9;Quality:+1.0;Size:-0.8;Momentum:-0.2;LowVol:+0.8,,6,35,5.6,hard 12%,153,16.7,Volatile,27.8,4.83,3.5,122,12,66,67,false,Rebalance,Shift +1% to bonds from equity,-9,-10,BrokerD,MKT,93,None,None,Normal monitoring,88,-11,105,3,false,Tax-aware sells next window
P6233,Cautious,IRA,USD,2025-09-26,269794,28228,241566,1.0,39.3,42.9,2.8,15.1,VOO:38.6%;TLT:38.6%;BRK.B:22.8%,US:66.3;EU:13.3;APAC:10.1;EM:9.7;Other:0.5,Value:-0.3;Growth:+0.1;Quality:+0.2;Size:-0.9;Momentum:-0.9;LowVol:-0.0,MaxPos7%;NoDerivatives;NoMargin,7,35,5.6,trailing 8%,93,18.2,Bull,15.6,4.44,2.1,118,92,100,29,false,Sell,Trim extended winner -1%,-13,-8,BrokerB,MKT,92,None,None,Normal monitoring,-50,-39,-77,5,false,Monitor dispersion and breadth
P6234,Systematic,Trust,USD,2025-09-04,1242093,65435,1176658,1.0,64.3,24.6,4.6,6.4,VNQ:16.2%;XLF:12.1%;QQQ:23.9%;VOO:23.9%;TLT:23.9%,US:66.0;EU:16.1;APAC:9.9;EM:4.1;Other:3.8,Value:+0.3;Growth:+0.3;Quality:-0.1;Size:+0.8;Momentum:+1.0;LowVol:-0.2,MaxPos6%;NoDerivatives,6,30,5.6,hard 12%,147,16.9,Sideways,14.4,3.64,3.2,95,-16,56,39,false,Rebalance,Shift +1% to bonds from equity,9,1,BrokerD,LMT,89,None,None,Normal monitoring,51,-1,13,5,false,Tighten stops on momentum names
P6235,Opportunistic,401k,USD,2025-02-11,491644,17147,474497,1.05,71.6,15.9,3.6,8.9,TSLA:16.9%;VNQ:22.7%;VOO:15.0%;XLF:22.7%;MUB:22.7%,US:68.0;EU:12.5;APAC:10.9;EM:7.3;Other:1.2,Value:+0.5;Growth:+0.5;Quality:-0.2;Size:-0.2;Momentum:-0.4;LowVol:+0.3,,6,30,4.4,trailing 9%,178,32.5,Sideways,15.6,4.15,3.2,111,-13,33,57,false,Sell,Trim extended winner -1%,22,-17,BrokerA,LMT,88,None,None,Normal monitoring,-8,-54,48,4,false,Tax-aware sells next window
P6236,Active,Taxable,USD,2025-10-16,1286127,139379,1146748,1.0,58.5,24.7,9.9,6.8,AMZN:33.3%;AAPL:33.3%;TLT:33.3%,US:56.5;EU:17.3;APAC:10.8;EM:11.8;Other:3.6,Value:-0.6;Growth:-0.4;Quality:+1.0;Size:-0.3;Momentum:+0.3;LowVol:-1.0,NoDerivatives,5,35,4.7,trailing 9%,163,26.8,Bull,12.7,4.59,2.0,73,43,70,34,false,Buy,Add to core equity +1%,10,6,BrokerC,LMT,88,None,None,Normal monitoring,111,-29,168,4,false,Tighten stops on momentum names
P6237,Cautious,Trust,USD,2024-12-25,630575,51925,578650,1.0,41.4,44.4,3.7,10.4,AMZN:22.3%;GLD:22.3%;BND:22.3%;VTI:10.8%;BRK.B:22.3%,US:69.2;EU:18.0;APAC:7.8;EM:4.2;Other:0.7,Value:-1.0;Growth:+0.7;Quality:-1.0;Size:+0.4;Momentum:+0.1;LowVol:+0.8,ESGOnly;NoMargin,6,30,3.8,hard 10%,145,13.1,Bull,16.8,3.6,2.8,75,85,100,41,false,Rebalance,Shift +1% to bonds from equity,30,-34,BrokerB,VWAP,90,None,None,Normal monitoring,117,-13,201,3,false,Within IPS guidelines
P6238,Opportunistic,Taxable,USD,2025-10-20,1367350,104837,1262513,1.0,61.7,19.3,12.3,6.7,MUB:16.8%;VNQ:23.1%;IEF:17.1%;BRK.B:23.1%;TSLA:19.8%,US:66.5;EU:7.8;APAC:13.6;EM:9.6;Other:2.5,Value:+0.9;Growth:-0.4;Quality:+0.4;Size:+0.7;Momentum:-0.9;LowVol:+0.3,NoDerivatives,5,30,5.2,trailing 9%,270,32.7,Bull,13.4,4.2,2.7,110,3,52,38,false,Rebalance,Shift +1% to bonds from equity,35,13,BrokerB,MKT,85,None,None,Normal monitoring,88,-8,163,5,false,Monitor dispersion and breadth
P6239,Active,IRA,USD,2025-10-11,687074,64403,622671,1.08,52.2,23.9,16.7,7.3,BRK.B:21.1%;VTI:9.9%;QQQ:13.6%;GLD:21.1%;HYG:17.6%;XLF:16.6%,US:67.8;EU:6.7;APAC:14.4;EM:10.4;Other:0.7,Value:-0.5;Growth:0.0;Quality:-0.4;Size:-0.8;Momentum:-0.5;LowVol:+0.6,NoDerivatives,5,30,5.4,hard 12%,202,27.7,Sideways,19.7,4.15,2.2,116,44,83,45,false,Rebalance,Shift +1% to bonds from equity,-13,-10,BrokerC,LMT,89,None,None,Normal monitoring,-17,-30,62,3,false,Tax-aware sells next window
P6240,Cautious,Trust,USD,2025-07-24,484805,45818,438987,1.0,47.5,32.3,5.4,14.9,XLF:16.0%;QQQ:28.0%;AMZN:28.0%;IEF:28.0%,US:64.0;EU:17.9;APAC:13.2;EM:3.5;Other:1.3,Value:+0.3;Growth:+0.6;Quality:0.0;Size:+0.9;Momentum:+0.6;LowVol:+1.0,NoMargin,10,25,5.2,trailing 8%,157,15.8,Bull,12.0,3.63,2.6,120,20,68,36,false,Rebalance,Shift +1% to bonds from equity,4,-37,BrokerB,MKT,97,None,None,Normal monitoring,99,-13,64,4,false,Monitor dispersion and breadth
P6241,Systematic,Roth,USD,2024-08-11,1555011,143285,1411726,1.0,64.2,28.1,0.0,7.7,TSLA:11.4%;GLD:20.9%;TLT:20.9%;MUB:15.8%;MSFT:10.1%;XLF:20.9%,US:56.5;EU:19.1;APAC:10.7;EM:10.5;Other:3.1,Value:+0.6;Growth:0.0;Quality:+0.2;Size:-0.3;Momentum:+0.4;LowVol:+0.7,MaxPos5%,7,25,5.4,hard 12%,151,23.1,Bull,15.4,4.09,3.2,93,11,56,52,false,Buy,Add to core equity +1%,-7,-20,BrokerA,MKT,94,None,None,Normal monitoring,35,6,125,3,false,Increase defensive factor exposure
P6242,Cautious,401k,USD,2025-01-02,472259,45085,427174,1.0,38.3,43.2,7.9,10.7,BRK.B:36.7%;MUB:26.6%;VNQ:36.7%,US:63.3;EU:14.6;APAC:11.8;EM:8.3;Other:1.9,Value:-1.0;Growth:-0.5;Quality:-0.1;Size:-0.8;Momentum:-0.5;LowVol:+0.8,MaxPos7%;NoMargin,10,30,4.8,trailing 8%,156,14.4,Sideways,16.3,3.51,2.3,96,34,70,29,false,Sell,Trim extended winner -1%,-5,-32,BrokerB,MKT,85,None,None,Normal monitoring,27,-49,66,5,false,Increase defensive factor exposure
P6243,Opportunistic,401k,USD,2025-09-06,1062350,60215,1002135,1.0,63.9,10.7,18.1,7.3,TLT:28.3%;MSFT:28.3%;GLD:28.3%;AMZN:15.0%,US:64.6;EU:18.5;APAC:7.3;EM:7.9;Other:1.6,Value:-0.1;Growth:-1.0;Quality:+0.1;Size:+0.1;Momentum:-0.8;LowVol:-0.4,MaxPos5%,7,30,6.9,trailing 7%,222,31.5,Volatile,27.8,4.42,4.3,122,-38,40,67,false,Buy,Add to core equity +1%,24,-32,BrokerB,LMT,87,None,None,Normal monitoring,-18,-38,37,3,false,Within IPS guidelines
P6244,Hands-off,Trust,USD,2025-03-12,655130,51975,603155,1.0,69.3,17.6,5.6,7.5,TLT:33.3%;IEF:33.3%;MUB:33.3%,US:73.9;EU:10.4;APAC:5.2;EM:5.4;Other:5.1,Value:-0.4;Growth:-1.0;Quality:+0.9;Size:-0.5;Momentum:+0.7;LowVol:-0.4,MaxPos8%,8,35,5.6,trailing 8%,158,13.6,Sideways,21.7,4.9,2.2,92,54,69,54,false,NoAction,Within bands; monitor,-9,-5,BrokerB,LMT,87,None,None,Normal monitoring,-1,-11,13,3,false,Tighten stops on momentum names
P6245,Opportunistic,Trust,USD,2025-03-31,414198,33689,380509,1.0,66.8,12.1,15.9,5.1,IEF:25.0%;MUB:25.0%;TLT:25.0%;GLD:25.0%,US:60.7;EU:12.8;APAC:10.6;EM:11.5;Other:4.4,Value:-0.7;Growth:-0.5;Quality:-0.8;Size:+0.8;Momentum:+0.3;LowVol:+0.5,NoDerivatives,8,35,5.0,trailing 9%,162,34.3,Bear,31.0,4.0,2.7,153,15,63,81,true,Reduce,"Cut high-beta by 2-3%, add cash",-14,-2,BrokerA,MKT,94,VAR>budget,Hedge,Risk above budget threshold,80,-23,161,4,false,Increase defensive factor exposure
P6246,Active,Trust,USD,2025-03-17,985719,88581,897138,1.0,61.1,27.2,6.5,5.1,AMZN:20.5%;VOO:8.0%;TLT:19.8%;AAPL:20.5%;QQQ:13.8%;MSFT:17.4%,US:76.9;EU:7.3;APAC:7.6;EM:5.1;Other:3.2,Value:-1.0;Growth:+0.7;Quality:-0.1;Size:+0.6;Momentum:-0.2;LowVol:+0.8,MaxPos5%,8,25,4.1,trailing 8%,221,17.9,Sideways,19.7,4.83,2.8,95,1,46,66,false,Sell,Trim extended winner -1%,14,-14,BrokerA,LMT,99,None,None,Normal monitoring,-51,-41,21,3,false,Tighten stops on momentum names
P6247,Cautious,IRA,USD,2025-08-31,424900,57319,367581,1.0,49.0,38.1,0.0,12.9,MSFT:24.9%;AAPL:37.6%;XLF:37.6%,US:71.1;EU:12.3;APAC:6.5;EM:4.9;Other:5.2,Value:-0.3;Growth:+1.0;Quality:+0.6;Size:-0.6;Momentum:-0.1;LowVol:-0.9,NoMargin,8,30,4.8,hard 10%,125,15.5,Bull,16.6,4.5,3.2,86,56,87,51,false,NoAction,Within bands; monitor,10,13,BrokerB,MKT,0,None,None,Normal monitoring,-10,-15,37,4,false,Tighten stops on momentum names
P6248,Hands-off,401k,USD,2025-09-02,551442,47723,503719,1.0,64.7,18.2,9.1,8.0,MUB:33.3%;QQQ:33.3%;MSFT:33.3%,US:77.2;EU:6.9;APAC:7.1;EM:7.6;Other:1.2,Value:-0.2;Growth:+0.1;Quality:-0.1;Size:+0.2;Momentum:+0.2;LowVol:-0.5,ESGOnly;NoDerivatives,7,30,4.2,hard 10%,151,19.3,Bull,15.1,4.95,2.1,80,29,57,47,false,Buy,Add to core equity +1%,3,0,BrokerD,LMT,91,None,None,Normal monitoring,-30,-40,37,3,false,Increase defensive factor exposure
P6249,Cautious,Trust,USD,2025-03-21,825880,108231,717649,1.0,49.0,32.7,0.6,17.6,AAPL:23.9%;VOO:16.9%;HYG:23.9%;TLT:11.4%;VTI:23.9%,US:70.7;EU:9.4;APAC:11.0;EM:4.6;Other:4.3,Value:+0.9;Growth:-0.5;Quality:-1.0;Size:+0.7;Momentum:-0.6;LowVol:+0.3,ESGOnly;NoMargin,5,30,5.5,hard 10%,170,15.5,Bear,27.7,4.46,1.8,204,-44,27,74,true,Hedge,Buy index puts 1% notional,5,-8,BrokerA,VWAP,98,RegimeShift,Hedge,Volatility spike and breadth deterioration,86,20,143,3,false,Monitor dispersion and breadth
P6250,Hands-off,IRA,USD,2024-10-07,875517,47506,828011,1.0,55.2,17.4,21.2,6.2,BRK.B:33.3%;MSFT:33.3%;XLF:33.3%,US:71.4;EU:7.2;APAC:8.7;EM:10.9;Other:1.9,Value:-0.7;Growth:-0.1;Quality:-0.8;Size:+0.6;Momentum:-0.9;LowVol:-0.5,MaxPos7%,8,25,6.0,hard 10%,157,15.4,Bear,32.5,3.7,2.8,218,-89,13,76,true,Hedge,Buy index puts 1% notional,-3,-3,BrokerC,LMT,91,VAR>budget,Hedge,Risk above budget threshold,-17,-15,57,4,false,Tighten stops on momentum names
P6251,Active,IRA,USD,2025-05-12,1403342,164729,1238613,1.0,53.7,31.4,7.9,7.0,BRK.B:33.3%;MSFT:33.3%;VOO:33.3%,US:68.8;EU:13.4;APAC:8.5;EM:6.2;Other:3.1,Value:+0.2;Growth:+0.7;Quality:-0.8;Size:-0.1;Momentum:+0.3;LowVol:+0.8,NoDerivatives,10,30,4.0,trailing 8%,128,17.8,Bear,28.4,3.38,1.6,205,-111,5,76,true,Reduce,"Cut high-beta by 2-3%, add cash",-11,-4,BrokerA,LMT,100,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-44,-38,28,5,false,Within IPS guidelines
P6252,Active,IRA,USD,2024-07-09,910212,79424,830788,1.0,68.0,23.2,3.4,5.4,AAPL:18.0%;HYG:23.7%;MSFT:23.7%;MUB:10.8%;VOO:23.7%,US:67.1;EU:11.9;APAC:9.0;EM:10.0;Other:2.0,Value:+0.1;Growth:-0.4;Quality:+0.1;Size:+0.1;Momentum:+0.1;LowVol:-0.0,MaxPos7%,6,35,4.1,hard 12%,139,26.8,Bull,12.1,4.66,2.4,110,33,56,42,false,Rebalance,Shift +1% to bonds from equity,18,-21,BrokerC,VWAP,92,None,None,Normal monitoring,40,-16,106,4,false,Within IPS guidelines
P6253,Hands-off,401k,USD,2025-01-01,156181,7162,149019,1.0,58.1,27.9,5.4,8.5,MSFT:25.6%;IEF:25.6%;AAPL:11.7%;AMZN:11.6%;VTI:25.6%,US:73.2;EU:6.5;APAC:16.0;EM:3.6;Other:0.6,Value:-0.4;Growth:+0.8;Quality:+0.5;Size:+0.8;Momentum:+0.4;LowVol:+0.4,,10,35,4.0,trailing 8%,143,13.9,Volatile,26.9,3.71,3.6,130,26,69,78,true,Reduce,"Cut high-beta by 2-3%, add cash",33,-16,BrokerD,MKT,87,Drift>tolerance,Pause,Allocation drift beyond policy bands,-51,-48,37,2,false,Tighten stops on momentum names
P6254,Opportunistic,Roth,USD,2024-12-31,1564054,92039,1472015,1.0,72.6,15.6,5.5,6.2,BND:25.2%;VTI:25.2%;BRK.B:24.4%;GLD:25.2%,US:71.2;EU:7.2;APAC:7.9;EM:9.6;Other:4.2,Value:-0.1;Growth:-0.7;Quality:+0.6;Size:0.0;Momentum:-1.0;LowVol:+0.2,NoDerivatives,6,35,5.5,trailing 7%,228,28.9,Volatile,21.0,4.47,4.1,123,78,83,72,true,Hedge,Buy index puts 1% notional,16,0,BrokerC,LMT,90,RegimeShift,Pause,Volatility spike and breadth deterioration,73,17,119,2,false,Within IPS guidelines
P6255,Active,Trust,USD,2024-07-11,2485233,230995,2254238,1.0,66.0,25.3,0.0,8.7,TLT:33.3%;VOO:33.3%;BND:33.3%,US:67.6;EU:10.2;APAC:12.3;EM:7.8;Other:2.1,Value:+0.3;Growth:-0.0;Quality:-0.1;Size:0.0;Momentum:-0.3;LowVol:-0.8,,5,30,5.3,hard 12%,180,23.2,Sideways,17.9,4.54,2.6,130,19,58,63,false,Buy,Add to core equity +1%,29,-1,BrokerA,MKT,95,None,None,Normal monitoring,48,-31,145,3,false,Monitor dispersion and breadth
P6256,Active,Roth,USD,2024-12-12,1217513,110955,1106558,1.0,54.1,25.9,13.3,6.6,TSLA:22.6%;BND:22.6%;HYG:13.7%;MUB:22.6%;MSFT:18.6%,US:56.8;EU:18.2;APAC:11.3;EM:13.4;Other:0.3,Value:-0.5;Growth:+0.8;Quality:+0.9;Size:-0.8;Momentum:+0.5;LowVol:+0.9,MaxPos5%;NoDerivatives,8,30,5.4,hard 12%,218,27.7,Sideways,15.6,4.17,2.0,111,14,67,49,false,Rebalance,Shift +1% to bonds from equity,14,5,BrokerA,LMT,92,None,None,Normal monitoring,-17,-43,80,3,false,Within IPS guidelines
P6257,Opportunistic,Roth,USD,2025-07-24,809885,63303,746582,1.0,76.3,11.7,5.3,6.6,BND:22.1%;GLD:17.6%;TLT:18.7%;VNQ:22.1%;XLF:19.6%,US:53.1;EU:20.3;APAC:10.6;EM:11.1;Other:4.9,Value:+0.7;Growth:+0.7;Quality:-0.5;Size:-0.8;Momentum:+0.3;LowVol:+0.5,,7,30,5.9,trailing 9%,182,22.3,Sideways,17.8,3.91,2.7,133,40,74,53,false,Sell,Trim extended winner -1%,25,11,BrokerC,VWAP,94,None,None,Normal monitoring,35,-47,163,5,false,Tighten stops on momentum names
P6258,Cautious,IRA,USD,2025-07-11,709508,110164,599344,1.0,50.2,33.5,0.0,16.4,HYG:22.2%;TLT:10.7%;VTI:13.0%;AAPL:22.2%;XLF:22.2%;BND:9.5%,US:68.1;EU:15.3;APAC:11.0;EM:5.4;Other:0.2,Value:-0.6;Growth:-0.4;Quality:+0.9;Size:+0.6;Momentum:+0.4;LowVol:+0.9,NoMargin,7,35,5.9,hard 10%,133,19.7,Bull,13.4,4.23,2.6,108,83,83,42,false,Buy,Add to core equity +1%,-5,6,BrokerC,MKT,92,None,None,Normal monitoring,100,-4,128,5,false,Tax-aware sells next window
P6259,Hands-off,IRA,USD,2024-12-13,866408,57120,809288,1.0,64.6,16.2,12.0,7.2,VTI:33.3%;VOO:33.3%;MUB:33.3%,US:63.1;EU:13.9;APAC:13.2;EM:5.2;Other:4.7,Value:-0.1;Growth:-0.7;Quality:+0.5;Size:-0.9;Momentum:+0.3;LowVol:+0.8,,8,35,5.7,trailing 8%,104,16.8,Volatile,30.7,4.13,4.4,110,31,60,72,true,Hedge,Buy index puts 1% notional,15,-24,BrokerB,MKT,88,VAR>budget,Hedge,Risk above budget threshold,-49,-56,-13,5,false,Within IPS guidelines
P6260,Hands-off,401k,USD,2025-08-29,794331,56015,738316,1.0,68.2,23.6,0.0,8.3,VTI:18.8%;IEF:16.2%;TSLA:21.7%;BND:21.7%;HYG:21.7%,US:72.5;EU:8.6;APAC:11.7;EM:2.8;Other:4.5,Value:+1.0;Growth:-0.1;Quality:-0.0;Size:+0.3;Momentum:+1.0;LowVol:+0.6,NoDerivatives,8,30,5.9,trailing 10%,118,14.3,Sideways,16.8,3.59,2.1,101,-28,23,64,false,Rebalance,Shift +1% to bonds from equity,11,5,BrokerC,LMT,93,None,None,Normal monitoring,68,-17,130,3,false,Tighten stops on momentum names
P6261,Cautious,401k,USD,2025-01-21,757383,84505,672878,1.0,42.9,39.5,0.5,17.0,GLD:9.9%;AMZN:13.1%;VNQ:21.0%;QQQ:21.0%;VOO:18.6%;BND:16.4%,US:62.5;EU:17.4;APAC:7.5;EM:8.8;Other:3.9,Value:+0.4;Growth:+0.8;Quality:+0.9;Size:-0.7;Momentum:-0.2;LowVol:+0.7,NoMargin,6,35,5.0,trailing 8%,106,15.9,Volatile,30.6,5.04,4.5,134,17,52,57,false,Hedge,Add TLT +1% as duration hedge,12,-8,BrokerC,LMT,95,None,None,Normal monitoring,-27,-54,-34,4,false,Within IPS guidelines
P6262,Systematic,Trust,USD,2024-09-14,1538837,144051,1394786,1.0,62.5,21.2,7.0,9.3,MSFT:20.7%;VOO:23.0%;IEF:10.4%;TLT:23.0%;TSLA:23.0%,US:61.7;EU:17.1;APAC:14.9;EM:4.5;Other:1.8,Value:-0.4;Growth:-0.9;Quality:+0.3;Size:+0.1;Momentum:-0.3;LowVol:-0.1,,7,30,5.5,hard 12%,189,23.6,Bull,14.4,4.76,3.3,109,50,82,56,false,Sell,Trim extended winner -1%,21,7,BrokerA,MKT,93,None,None,Normal monitoring,-22,-20,71,3,false,Tighten stops on momentum names
P6263,Cautious,401k,USD,2025-02-01,798842,83076,715766,1.0,43.3,37.4,1.9,17.4,VTI:20.4%;BND:24.9%;HYG:27.4%;QQQ:27.4%,US:75.1;EU:10.6;APAC:6.5;EM:7.3;Other:0.5,Value:-0.6;Growth:+0.4;Quality:+0.4;Size:-0.7;Momentum:-1.0;LowVol:-0.7,ESGOnly;NoMargin,6,25,3.7,trailing 8%,90,17.2,Bull,15.8,4.2,2.0,120,102,100,33,false,Buy,Add to core equity +1%,5,-11,BrokerD,MKT,95,None,None,Normal monitoring,-49,-43,-37,5,false,Increase defensive factor exposure
P6264,Opportunistic,Roth,USD,2024-08-11,401283,19260,382023,1.0,67.2,13.5,14.6,4.6,TSLA:39.8%;QQQ:39.8%;VNQ:20.3%,US:68.3;EU:13.9;APAC:9.3;EM:4.6;Other:3.9,Value:+0.7;Growth:-0.7;Quality:+0.4;Size:-0.0;Momentum:-0.6;LowVol:+0.6,,5,35,6.2,hard 12%,213,21.6,Bear,22.0,3.34,1.2,179,-108,5,73,true,Rebalance,Rebalance back to target bands,23,8,BrokerC,LMT,92,Drift>tolerance,Hedge,Allocation drift beyond policy bands,81,-48,100,5,true,Tax-aware sells next window
P6265,Systematic,IRA,USD,2024-08-08,765373,62722,702651,1.0,58.7,22.8,9.3,9.1,IEF:25.0%;BRK.B:25.0%;AMZN:25.0%;MUB:24.9%,US:65.2;EU:11.6;APAC:11.3;EM:10.5;Other:1.4,Value:+0.7;Growth:-0.1;Quality:+0.9;Size:-1.0;Momentum:+0.9;LowVol:+0.7,MaxPos6%;NoDerivatives,10,35,5.5,trailing 9%,186,17.7,Sideways,14.5,4.98,2.4,96,33,56,49,false,Rebalance,Shift +1% to bonds from equity,23,4,BrokerA,VWAP,93,None,None,Normal monitoring,92,-32,115,5,false,Increase defensive factor exposure
P6266,Cautious,Taxable,USD,2025-12-26,170901,18387,152514,1.0,40.1,31.6,13.7,14.6,TLT:33.3%;BND:33.3%;AMZN:33.3%,US:70.5;EU:14.8;APAC:6.7;EM:5.0;Other:3.0,Value:+0.4;Growth:-0.9;Quality:+0.2;Size:-0.4;Momentum:-0.2;LowVol:-0.6,ESGOnly;MaxPos8%;NoDerivatives;NoMargin,10,30,5.3,trailing 10%,163,16.7,Sideways,20.5,4.46,2.6,136,45,80,35,false,Rebalance,Shift +1% to bonds from equity,-5,-36,BrokerB,LMT,94,None,None,Normal monitoring,116,-42,101,3,false,Tax-aware sells next window
P6267,Opportunistic,Roth,USD,2025-12-01,939297,64696,874601,1.0,77.3,17.3,0.5,4.9,BRK.B:19.0%;QQQ:15.1%;TLT:12.0%;VOO:21.3%;MSFT:17.4%;AMZN:15.1%,US:65.9;EU:12.3;APAC:12.5;EM:7.7;Other:1.6,Value:+0.7;Growth:-0.3;Quality:+0.6;Size:-0.6;Momentum:-0.3;LowVol:+0.5,NoDerivatives,6,35,5.7,trailing 9%,219,28.3,Bull,16.6,3.87,3.5,103,58,71,52,false,Rebalance,Shift +1% to bonds from equity,30,4,BrokerB,LMT,88,None,None,Normal monitoring,-10,9,51,5,false,Tighten stops on momentum names
P6268,Cautious,401k,USD,2024-11-17,562376,76603,485773,1.0,42.0,33.1,14.5,10.5,BRK.B:12.0%;TSLA:13.5%;BND:22.5%;GLD:6.9%;MUB:22.5%;AMZN:22.5%,US:69.4;EU:9.7;APAC:13.4;EM:5.1;Other:2.4,Value:+1.0;Growth:0.0;Quality:-0.2;Size:+0.3;Momentum:+0.4;LowVol:+0.5,MaxPos6%;NoMargin,7,25,5.0,trailing 10%,128,19.8,Bull,13.2,3.75,2.0,116,99,97,24,false,Rebalance,Shift +1% to bonds from equity,-6,11,BrokerA,MKT,88,None,None,Normal monitoring,44,-12,172,5,false,Monitor dispersion and breadth
P6269,Active,Roth,USD,2025-11-12,1954772,230121,1724651,1.05,65.5,18.1,11.1,5.4,TLT:26.2%;AAPL:26.2%;BRK.B:21.3%;VOO:26.2%,US:66.3;EU:7.7;APAC:11.1;EM:11.1;Other:3.8,Value:+0.9;Growth:-0.5;Quality:+0.2;Size:+0.7;Momentum:+0.4;LowVol:-0.7,MaxPos6%,6,30,4.6,trailing 8%,163,17.7,Sideways,14.7,3.66,2.6,105,31,67,49,false,Rebalance,Shift +1% to bonds from equity,4,-24,BrokerC,MKT,97,None,None,Normal monitoring,22,-41,92,4,false,Monitor dispersion and breadth
P6270,Systematic,Taxable,USD,2024-07-20,1477625,134319,1343306,1.0,56.4,20.7,17.3,5.6,VOO:33.3%;IEF:33.3%;AMZN:33.3%,US:61.4;EU:8.1;APAC:13.1;EM:11.7;Other:5.6,Value:-0.6;Growth:+0.5;Quality:-0.7;Size:-1.0;Momentum:-0.4;LowVol:+0.9,MaxPos8%,5,30,5.4,hard 12%,211,24.7,Volatile,28.0,4.27,4.1,140,80,94,76,true,Reduce,"Cut high-beta by 2-3%, add cash",-11,-18,BrokerC,LMT,85,Drift>tolerance,Hedge,Allocation drift beyond policy bands,73,-37,183,5,false,Tighten stops on momentum names
P6271,Opportunistic,401k,USD,2025-05-14,511105,43423,467682,1.0,73.1,18.8,2.6,5.5,BND:14.9%;QQQ:14.4%;XLF:13.3%;MUB:15.7%;BRK.B:21.5%;VNQ:20.1%,US:68.2;EU:10.5;APAC:10.3;EM:7.0;Other:4.0,Value:+0.3;Growth:+0.6;Quality:+0.4;Size:-0.6;Momentum:-0.2;LowVol:-0.3,,8,35,5.4,hard 12%,174,25.6,Bull,11.1,4.15,2.6,119,119,96,50,false,Buy,Add to core equity +1%,-1,-32,BrokerB,LMT,91,None,None,Normal monitoring,-57,-11,36,4,false,Monitor dispersion and breadth
P6272,Active,IRA,USD,2024-09-01,2282831,148921,2133910,1.09,55.7,23.3,15.3,5.7,MSFT:16.2%;BRK.B:14.9%;VOO:24.6%;TSLA:24.6%;AAPL:19.6%,US:61.9;EU:12.3;APAC:12.6;EM:9.7;Other:3.5,Value:+0.4;Growth:+0.7;Quality:-0.1;Size:-0.9;Momentum:+0.8;LowVol:+0.8,MaxPos7%,7,35,5.0,trailing 9%,182,22.3,Sideways,16.2,4.84,2.3,99,25,71,55,false,Buy,Add to core equity +1%,0,7,BrokerB,LMT,88,None,None,Normal monitoring,-36,2,80,5,false,Tighten stops on momentum names
P6273,Systematic,IRA,USD,2024-10-30,1824485,81599,1742886,1.0,65.1,29.3,0.0,5.6,VOO:29.9%;HYG:16.6%;VNQ:23.6%;AMZN:29.9%,US:62.3;EU:17.1;APAC:10.6;EM:7.1;Other:3.0,Value:+0.4;Growth:-0.9;Quality:+0.4;Size:-0.3;Momentum:-0.7;LowVol:-0.9,MaxPos6%,6,30,4.5,trailing 9%,153,17.2,Volatile,26.9,4.38,2.9,123,73,84,65,false,Buy,Add to core equity +1%,-3,-12,BrokerB,MKT,87,None,None,Normal monitoring,1,-42,106,5,false,Monitor dispersion and breadth
P6274,Opportunistic,Trust,USD,2024-12-11,1348778,52521,1296257,1.0,60.5,14.6,19.5,5.4,BND:12.5%;MUB:20.4%;QQQ:13.6%;AMZN:20.4%;VOO:13.1%;XLF:20.1%,US:61.6;EU:17.2;APAC:9.8;EM:7.4;Other:4.0,Value:+0.3;Growth:-0.1;Quality:-0.3;Size:0.0;Momentum:+0.6;LowVol:+0.3,,6,35,4.8,trailing 7%,176,26.8,Bull,15.2,4.91,2.6,79,95,100,42,false,Rebalance,Shift +1% to bonds from equity,22,-29,BrokerB,MKT,92,None,None,Normal monitoring,55,-45,32,3,false,Tighten stops on momentum names
P6275,Cautious,Roth,USD,2024-09-13,398417,46503,351914,1.0,45.2,35.4,1.5,17.9,AMZN:30.8%;AAPL:34.6%;TSLA:34.6%,US:58.6;EU:18.4;APAC:11.8;EM:10.3;Other:0.9,Value:-0.2;Growth:+0.3;Quality:-0.5;Size:+0.3;Momentum:-0.4;LowVol:+0.6,ESGOnly;NoDerivatives;NoMargin,7,30,6.0,trailing 8%,107,16.6,Volatile,23.7,5.22,4.1,142,67,78,63,false,NoAction,Within bands; monitor,-4,15,BrokerD,MKT,0,None,None,Normal monitoring,87,-45,122,4,false,Tax-aware sells next window
P6276,Active,IRA,USD,2025-01-14,1062906,99609,963297,1.0,64.8,18.2,9.1,7.8,HYG:26.3%;AAPL:29.4%;MSFT:14.8%;XLF:29.4%,US:64.0;EU:6.9;APAC:14.5;EM:12.3;Other:2.4,Value:+0.2;Growth:-0.6;Quality:-0.1;Size:-0.8;Momentum:+0.2;LowVol:-0.4,,8,35,5.5,trailing 8%,151,18.3,Volatile,24.1,4.01,3.0,149,-3,60,68,false,Rebalance,Shift +1% to bonds from equity,7,-38,BrokerB,LMT,91,None,None,Normal monitoring,7,-26,68,5,false,Monitor dispersion and breadth
P6277,Active,401k,USD,2025-03-31,2178777,230539,1948238,1.0,68.5,20.8,5.4,5.3,VOO:19.2%;VTI:20.4%;VNQ:16.7%;MUB:20.4%;XLF:8.0%;TSLA:15.5%,US:74.5;EU:9.8;APAC:7.2;EM:4.8;Other:3.7,Value:-0.5;Growth:+0.6;Quality:-0.1;Size:-0.4;Momentum:-0.5;LowVol:-0.9,NoDerivatives,6,35,5.0,trailing 8%,150,25.6,Bear,24.7,4.22,2.3,198,7,45,61,false,NoAction,Within bands; monitor,11,12,BrokerA,LMT,92,None,None,Normal monitoring,-49,10,-56,3,false,Within IPS guidelines
P6278,Systematic,Trust,USD,2025-07-11,899057,77125,821932,1.0,61.7,32.1,0.0,6.2,BRK.B:30.9%;QQQ:17.8%;IEF:30.9%;VOO:20.4%,US:76.4;EU:9.4;APAC:7.2;EM:5.5;Other:1.5,Value:+0.6;Growth:-0.6;Quality:-0.9;Size:-0.2;Momentum:+0.6;LowVol:+0.4,MaxPos6%;NoDerivatives,6,35,4.1,trailing 8%,156,19.8,Volatile,27.0,3.98,4.5,160,16,54,64,false,Sell,Trim extended winner -1%,34,-21,BrokerA,VWAP,93,None,None,Normal monitoring,-2,-13,128,5,false,Increase defensive factor exposure
P6279,Cautious,Trust,USD,2025-11-11,315006,39522,275484,1.0,39.2,44.2,5.8,10.7,GLD:19.4%;IEF:14.9%;XLF:20.6%;BND:10.0%;VTI:14.6%;MSFT:20.6%,US:57.6;EU:21.0;APAC:14.2;EM:4.8;Other:2.5,Value:-0.6;Growth:+0.5;Quality:-0.3;Size:-0.4;Momentum:+0.7;LowVol:-0.5,MaxPos6%;NoMargin,5,25,4.7,hard 10%,117,19.5,Sideways,14.9,4.94,3.1,110,-30,40,41,false,Sell,Trim extended winner -1%,34,-6,BrokerB,LMT,98,None,None,Normal monitoring,-25,-59,-25,5,false,Tax-aware sells next window
P6280,Systematic,IRA,USD,2025-06-07,831742,52763,778979,1.0,59.9,29.2,4.9,5.9,QQQ:20.1%;VOO:28.2%;AAPL:28.2%;TSLA:23.4%,US:54.3;EU:16.8;APAC:14.3;EM:9.7;Other:4.9,Value:+0.5;Growth:-0.5;Quality:-0.2;Size:+0.5;Momentum:+0.1;LowVol:-0.6,MaxPos8%;NoDerivatives,8,25,5.2,hard 12%,217,18.6,Volatile,21.3,4.01,3.0,180,-9,41,67,false,Buy,Add to core equity +1%,0,-20,BrokerC,MKT,95,None,None,Normal monitoring,-26,-55,92,4,false,Tax-aware sells next window
P6281,Hands-off,IRA,USD,2024-08-30,681693,66982,614711,1.0,66.1,24.3,4.3,5.3,XLF:20.8%;TSLA:10.0%;VNQ:18.7%;MUB:19.2%;HYG:10.6%;BRK.B:20.8%,US:67.4;EU:7.0;APAC:14.9;EM:6.4;Other:4.2,Value:+0.4;Growth:+0.2;Quality:-0.2;Size:-0.4;Momentum:-0.5;LowVol:-1.0,MaxPos6%;NoDerivatives,8,25,4.0,trailing 8%,130,12.8,Sideways,17.9,4.45,2.8,118,-26,34,65,false,Rebalance,Shift +1% to bonds from equity,16,13,BrokerB,VWAP,99,None,None,Normal monitoring,-54,-7,70,4,false,Tax-aware sells next window
P6282,Hands-off,Trust,USD,2025-04-23,497903,24947,472956,1.0,66.9,17.2,10.6,5.3,BRK.B:14.1%;IEF:22.3%;AAPL:12.8%;QQQ:11.9%;TLT:16.6%;XLF:22.3%,US:65.1;EU:16.0;APAC:12.3;EM:5.0;Other:1.6,Value:+0.8;Growth:-0.9;Quality:+0.2;Size:-0.6;Momentum:-0.7;LowVol:+0.2,ESGOnly,5,35,5.5,trailing 8%,111,15.6,Bull,14.1,4.89,3.0,120,72,85,47,false,Buy,Add to core equity +1%,-14,-8,BrokerC,LMT,99,None,None,Normal monitoring,-57,-9,-47,5,false,Tax-aware sells next window
P6283,Hands-off,Trust,USD,2025-03-18,345616,21295,324321,1.0,62.8,29.8,2.0,5.4,VTI:29.3%;MSFT:21.1%;TSLA:29.3%;QQQ:20.2%,US:65.5;EU:14.6;APAC:13.7;EM:5.2;Other:1.1,Value:-0.5;Growth:+0.8;Quality:+0.7;Size:-0.5;Momentum:-0.2;LowVol:+0.5,MaxPos8%,10,25,3.6,trailing 8%,115,19.9,Bull,13.0,3.93,2.4,110,4,66,47,false,Rebalance,Shift +1% to bonds from equity,8,-13,BrokerD,MKT,92,None,None,Normal monitoring,-32,-47,-29,4,false,Within IPS guidelines
P6284,Hands-off,Taxable,USD,2025-08-20,352700,31187,321513,1.0,73.0,21.4,0.0,5.6,XLF:20.8%;IEF:13.8%;GLD:22.4%;AAPL:20.5%;HYG:22.4%,US:69.5;EU:9.9;APAC:6.4;EM:9.5;Other:4.7,Value:-0.1;Growth:-0.4;Quality:+1.0;Size:0.0;Momentum:-0.1;LowVol:+0.2,ESGOnly;MaxPos6%;NoDerivatives,10,25,4.3,trailing 8%,159,17.4,Volatile,24.6,5.41,3.9,132,18,45,70,false,Rebalance,Shift +1% to bonds from equity,16,-2,BrokerC,VWAP,97,None,None,Normal monitoring,32,-42,32,3,false,Monitor dispersion and breadth
P6285,Systematic,Trust,USD,2025-06-17,1266788,116457,1150331,1.0,68.6,20.3,3.7,7.5,VTI:14.4%;IEF:21.8%;MUB:8.7%;QQQ:11.5%;HYG:21.8%;GLD:21.8%,US:71.9;EU:5.9;APAC:12.9;EM:8.8;Other:0.4,Value:+0.7;Growth:-0.7;Quality:+0.7;Size:-0.6;Momentum:+1.0;LowVol:-0.4,MaxPos7%,10,30,5.7,trailing 8%,169,16.5,Sideways,16.3,4.37,3.4,123,23,66,53,false,Buy,Add to core equity +1%,10,-6,BrokerD,MKT,96,None,None,Normal monitoring,-45,-26,-48,5,false,Within IPS guidelines
P6286,Hands-off,Roth,USD,2025-12-19,290834,16955,273879,1.0,59.4,18.7,16.1,5.7,BRK.B:33.3%;TSLA:33.3%;VNQ:33.3%,US:68.5;EU:10.9;APAC:8.3;EM:7.0;Other:5.2,Value:+0.6;Growth:+0.4;Quality:+0.7;Size:-0.2;Momentum:+0.7;LowVol:-0.8,,7,30,5.2,hard 10%,155,19.1,Sideways,14.6,3.67,3.2,121,30,69,43,false,Sell,Trim extended winner -1%,-15,-40,BrokerB,MKT,95,None,None,Normal monitoring,-36,-35,6,3,false,Tighten stops on momentum names
P6287,Systematic,Roth,USD,2025-04-13,405426,34097,371329,1.0,68.8,23.0,1.7,6.5,VNQ:33.6%;BND:33.6%;BRK.B:32.8%,US:65.3;EU:15.6;APAC:7.2;EM:7.9;Other:4.0,Value:-0.7;Growth:-0.5;Quality:-0.8;Size:+1.0;Momentum:+0.7;LowVol:-0.6,MaxPos7%,6,25,5.8,trailing 8%,228,21.9,Volatile,26.8,5.22,3.2,178,-31,26,72,true,Reduce,"Cut high-beta by 2-3%, add cash",32,-6,BrokerC,MKT,94,RegimeShift,Reduce,Volatility spike and breadth deterioration,-4,-47,-29,4,false,Increase defensive factor exposure
P6288,Active,Taxable,USD,2025-03-24,1824679,154934,1669745,1.19,57.4,31.0,4.0,7.5,HYG:33.3%;BRK.B:33.3%;VNQ:33.3%,US:69.3;EU:13.8;APAC:6.9;EM:7.0;Other:3.0,Value:-0.1;Growth:-0.2;Quality:-0.8;Size:-0.7;Momentum:-0.5;LowVol:-0.1,,5,25,4.1,trailing 9%,133,25.0,Sideways,18.5,4.57,3.1,100,-26,46,56,true,Hedge,Buy index puts 1% notional,-10,-26,BrokerA,MKT,97,VAR>budget,Reduce,Risk above budget threshold,-40,-59,0,4,false,Within IPS guidelines
P6289,Cautious,401k,USD,2025-10-26,260410,26504,233906,1.0,43.6,43.8,0.0,12.6,BND:26.0%;MSFT:26.0%;IEF:26.0%;XLF:22.1%,US:69.1;EU:17.2;APAC:6.0;EM:3.6;Other:4.1,Value:-0.6;Growth:-1.0;Quality:-0.9;Size:-1.0;Momentum:-0.1;LowVol:-0.3,ESGOnly;MaxPos6%;NoDerivatives;NoMargin,5,30,3.7,trailing 8%,139,16.4,Bull,15.6,3.99,3.1,98,49,72,38,false,NoAction,Within bands; monitor,-10,-3,BrokerB,LMT,88,None,None,Normal monitoring,-21,-20,38,3,false,Tighten stops on momentum names
P6290,Hands-off,IRA,USD,2025-05-16,778956,42696,736260,1.0,58.5,30.0,4.0,7.6,IEF:24.6%;AMZN:12.7%;VOO:19.2%;BRK.B:24.6%;MSFT:18.9%,US:69.7;EU:14.5;APAC:8.4;EM:6.3;Other:1.1,Value:-0.5;Growth:+0.2;Quality:+0.1;Size:-0.8;Momentum:-0.6;LowVol:+0.4,,5,25,4.4,trailing 8%,107,17.4,Bear,32.7,3.87,2.6,133,36,68,85,true,Reduce,"Cut high-beta by 2-3%, add cash",-1,-6,BrokerB,LMT,90,Drift>tolerance,Pause,Allocation drift beyond policy bands,48,-28,13,2,false,Tighten stops on momentum names
P6291,Opportunistic,401k,USD,2025-12-18,987597,67415,920182,1.0,62.7,18.2,12.5,6.6,HYG:16.1%;BRK.B:25.2%;VOO:21.4%;BND:12.2%;IEF:25.2%,US:67.4;EU:12.4;APAC:12.0;EM:5.3;Other:2.8,Value:-0.8;Growth:+0.2;Quality:0.0;Size:-0.5;Momentum:+0.6;LowVol:-0.4,MaxPos8%,7,35,5.5,trailing 7%,247,29.6,Sideways,20.6,4.0,3.0,128,-25,50,65,false,Rebalance,Shift +1% to bonds from equity,30,-36,BrokerB,LMT,85,None,None,Normal monitoring,16,-31,77,3,false,Monitor dispersion and breadth
P6292,Active,Roth,USD,2025-02-06,919024,95254,823770,1.0,54.5,29.6,10.3,5.6,GLD:33.3%;VNQ:33.3%;XLF:33.3%,US:67.6;EU:9.9;APAC:16.1;EM:5.1;Other:1.3,Value:+0.9;Growth:-0.7;Quality:+0.3;Size:+0.8;Momentum:-0.7;LowVol:-0.7,NoDerivatives,10,25,5.6,hard 12%,206,27.5,Bull,16.9,4.47,3.4,102,47,65,54,false,Hedge,Add TLT +1% as duration hedge,21,-28,BrokerC,LMT,96,None,None,Normal monitoring,113,-51,152,3,false,Within IPS guidelines
P6293,Cautious,Roth,USD,2024-11-05,371620,52397,319223,1.0,43.3,31.1,11.1,14.5,GLD:21.3%;QQQ:26.2%;TSLA:26.2%;BRK.B:26.2%,US:65.5;EU:14.1;APAC:10.1;EM:8.7;Other:1.5,Value:-0.1;Growth:+0.2;Quality:-0.9;Size:-0.4;Momentum:+0.1;LowVol:-0.9,ESGOnly;NoDerivatives;NoMargin,8,35,4.4,trailing 8%,133,15.0,Sideways,20.7,4.07,2.4,126,22,58,45,false,Buy,Add to core equity +1%,-11,7,BrokerB,MKT,90,None,None,Normal monitoring,17,-51,103,3,false,Within IPS guidelines
P6294,Cautious,Roth,USD,2024-08-16,517954,81103,436851,1.0,47.2,38.9,0.0,13.9,QQQ:33.3%;GLD:33.3%;VNQ:33.3%,US:62.7;EU:15.4;APAC:14.7;EM:5.5;Other:1.7,Value:-0.3;Growth:-0.9;Quality:-0.1;Size:-0.1;Momentum:-1.0;LowVol:-0.0,MaxPos8%;NoMargin,7,30,5.7,trailing 8%,109,18.5,Sideways,20.1,4.54,3.0,106,-9,40,52,true,Reduce,"Cut high-beta by 2-3%, add cash",21,-37,BrokerB,MKT,85,Drift>tolerance,Hedge,Allocation drift beyond policy bands,76,9,62,2,false,Tighten stops on momentum names
P6295,Hands-off,Taxable,USD,2025-01-11,834836,38704,796132,1.0,74.5,16.9,3.1,5.5,VOO:25.0%;QQQ:25.0%;TSLA:25.0%;TLT:25.0%,US:74.8;EU:5.2;APAC:12.6;EM:6.8;Other:0.5,Value:-0.9;Growth:+0.7;Quality:+0.2;Size:-0.8;Momentum:-0.5;LowVol:-0.7,,8,25,5.7,trailing 10%,111,14.9,Sideways,19.3,3.79,3.2,106,8,60,59,false,Buy,Add to core equity +1%,-3,-34,BrokerA,VWAP,100,None,None,Normal monitoring,-45,14,82,4,false,Tighten stops on momentum names
P6296,Active,Taxable,USD,2024-09-21,1372559,121580,1250979,1.0,63.8,28.5,0.0,7.6,TSLA:12.4%;GLD:18.8%;MUB:20.0%;XLF:14.3%;AAPL:19.8%;HYG:14.5%,US:58.2;EU:13.6;APAC:14.7;EM:9.0;Other:4.4,Value:-0.3;Growth:+0.3;Quality:-0.4;Size:-0.3;Momentum:+0.9;LowVol:+0.8,MaxPos7%,5,35,4.7,trailing 9%,191,21.9,Bull,14.7,3.95,2.7,117,68,86,41,false,Sell,Trim extended winner -1%,2,15,BrokerA,VWAP,99,None,None,Normal monitoring,9,-54,67,5,false,Monitor dispersion and breadth
P6297,Active,IRA,USD,2024-12-24,1432900,160794,1272106,1.0,63.3,23.2,3.6,9.9,XLF:28.3%;TSLA:26.9%;AAPL:28.3%;TLT:16.6%,US:63.3;EU:17.5;APAC:9.6;EM:5.6;Other:4.1,Value:-0.3;Growth:+0.3;Quality:+1.0;Size:-0.9;Momentum:+0.8;LowVol:-0.6,,8,25,5.7,hard 12%,206,21.0,Volatile,26.5,3.51,3.9,163,-46,13,72,true,Rebalance,Rebalance back to target bands,-11,-40,BrokerA,MKT,92,RegimeShift,Reduce,Volatility spike and breadth deterioration,4,14,9,5,false,Increase defensive factor exposure
P6298,Cautious,Trust,USD,2025-02-27,558078,44707,513371,1.0,51.4,37.0,0.0,11.7,TLT:21.4%;VOO:9.7%;AMZN:12.5%;HYG:21.4%;BND:21.4%;TSLA:13.8%,US:72.3;EU:12.3;APAC:9.6;EM:3.8;Other:2.0,Value:-0.7;Growth:-0.0;Quality:+0.5;Size:+0.4;Momentum:-0.3;LowVol:+0.6,NoMargin,7,25,6.0,hard 10%,93,14.1,Bull,11.1,3.99,3.1,113,46,76,34,false,Rebalance,Shift +1% to bonds from equity,-10,-16,BrokerD,LMT,92,None,None,Normal monitoring,26,-13,80,3,false,Tighten stops on momentum names
P6299,Systematic,Trust,USD,2025-10-09,1046991,59282,987709,1.0,56.5,27.6,7.2,8.6,TSLA:22.8%;GLD:22.8%;VTI:22.8%;HYG:12.8%;MSFT:18.8%,US:69.5;EU:17.7;APAC:4.5;EM:4.5;Other:3.8,Value:-0.2;Growth:+0.2;Quality:-1.0;Size:-0.2;Momentum:-0.8;LowVol:-0.2,NoDerivatives,7,35,5.7,trailing 8%,178,20.2,Bull,18.0,4.95,2.6,73,105,92,58,true,Rebalance,Rebalance back to target bands,-4,-26,BrokerD,MKT,87,VAR>budget,Hedge,Risk above budget threshold,84,-35,133,4,false,Increase defensive factor exposure
P6300,Cautious,401k,USD,2025-08-19,440451,49219,391232,1.0,46.6,42.3,0.0,11.1,BND:33.8%;VNQ:33.8%;MUB:32.5%,US:61.3;EU:14.1;APAC:12.6;EM:8.9;Other:3.2,Value:-0.6;Growth:+0.6;Quality:+1.0;Size:+0.5;Momentum:-0.7;LowVol:-0.2,MaxPos5%;NoDerivatives;NoMargin,6,25,3.2,trailing 8%,111,19.6,Sideways,15.9,4.64,2.1,117,43,83,48,false,Buy,Add to core equity +1%,13,0,BrokerB,VWAP,100,None,None,Normal monitoring,60,18,136,3,false,Tighten stops on momentum names
P6301,Cautious,Roth,USD,2024-07-17,541984,61582,480402,1.0,51.0,31.2,5.0,12.8,MUB:28.0%;GLD:28.0%;AAPL:16.0%;XLF:28.0%,US:74.5;EU:8.1;APAC:9.3;EM:5.7;Other:2.3,Value:+1.0;Growth:-0.6;Quality:+0.4;Size:-0.9;Momentum:+0.4;LowVol:-0.1,NoMargin,10,35,4.6,trailing 10%,168,17.1,Volatile,24.1,4.84,2.7,116,57,93,49,false,Hedge,Add TLT +1% as duration hedge,2,-16,BrokerA,LMT,89,None,None,Normal monitoring,19,1,20,3,false,Monitor dispersion and breadth
P6302,Cautious,IRA,USD,2025-09-05,761449,102420,659029,1.0,51.7,34.4,1.3,12.6,VNQ:13.9%;IEF:12.8%;AMZN:24.9%;QQQ:23.6%;TSLA:24.9%,US:67.7;EU:9.6;APAC:11.4;EM:8.1;Other:3.2,Value:-0.0;Growth:+0.5;Quality:-0.3;Size:+0.6;Momentum:+0.6;LowVol:+0.9,ESGOnly;MaxPos5%;NoDerivatives;NoMargin,7,25,5.2,hard 10%,126,15.8,Volatile,21.3,4.72,4.0,115,13,43,62,true,Rebalance,Rebalance back to target bands,33,-11,BrokerD,MKT,99,Drift>tolerance,Reduce,Allocation drift beyond policy bands,63,-48,171,4,false,Increase defensive factor exposure
P6303,Hands-off,IRA,USD,2025-01-27,744391,48751,695640,1.0,59.1,26.2,6.8,7.9,IEF:22.4%;TSLA:22.4%;AAPL:10.3%;MUB:22.4%;AMZN:22.4%,US:70.3;EU:9.8;APAC:10.4;EM:5.9;Other:3.5,Value:-0.9;Growth:+0.4;Quality:+0.2;Size:-0.3;Momentum:-0.4;LowVol:+1.0,MaxPos7%,6,25,5.2,trailing 8%,124,12.7,Bull,14.0,3.69,2.5,85,2,60,33,false,Rebalance,Shift +1% to bonds from equity,16,1,BrokerD,MKT,92,None,None,Normal monitoring,99,-23,85,3,false,Increase defensive factor exposure
P6304,Systematic,IRA,USD,2025-02-25,662129,43167,618962,1.0,57.3,20.4,14.0,8.4,BND:33.3%;BRK.B:33.3%;XLF:33.3%,US:62.1;EU:7.9;APAC:16.7;EM:10.2;Other:3.3,Value:+0.1;Growth:+0.1;Quality:-0.6;Size:+1.0;Momentum:-0.9;LowVol:-0.7,NoDerivatives,7,25,4.5,trailing 8%,180,24.5,Bull,17.0,4.5,2.2,108,13,70,43,false,Rebalance,Shift +1% to bonds from equity,29,-13,BrokerA,MKT,89,None,None,Normal monitoring,-6,-47,-22,4,false,Monitor dispersion and breadth
P6305,Cautious,401k,USD,2024-10-10,531723,73126,458597,1.0,37.2,39.5,7.1,16.1,QQQ:33.3%;GLD:33.3%;TSLA:33.3%,US:68.1;EU:14.9;APAC:5.2;EM:8.5;Other:3.4,Value:+0.8;Growth:+0.4;Quality:-0.6;Size:-0.1;Momentum:0.0;LowVol:+0.2,ESGOnly;MaxPos7%;NoDerivatives;NoMargin,10,30,5.1,hard 10%,139,14.1,Sideways,19.4,4.67,2.9,122,24,67,42,false,NoAction,Within bands; monitor,16,-16,BrokerA,LMT,90,None,None,Normal monitoring,-23,6,79,3,false,Tax-aware sells next window
P6306,Cautious,Trust,USD,2025-11-09,677472,102311,575161,1.0,54.3,32.4,0.0,13.4,TLT:23.2%;VTI:23.2%;IEF:20.1%;XLF:10.4%;BRK.B:23.2%,US:65.4;EU:16.7;APAC:6.0;EM:9.8;Other:2.0,Value:-0.6;Growth:-0.8;Quality:-0.1;Size:+0.1;Momentum:+0.8;LowVol:+1.0,ESGOnly;NoDerivatives;NoMargin,10,30,3.0,trailing 8%,100,13.4,Sideways,16.6,3.53,3.3,120,47,83,55,true,Hedge,Buy index puts 1% notional,32,-1,BrokerC,VWAP,90,VAR>budget,Pause,Risk above budget threshold,-47,-1,93,4,true,Monitor dispersion and breadth
P6307,Opportunistic,Taxable,USD,2024-08-17,1354181,95040,1259141,1.0,66.1,20.2,8.0,5.7,VNQ:17.4%;AMZN:25.6%;TLT:25.6%;MSFT:17.5%;VOO:14.0%,US:60.9;EU:16.6;APAC:14.4;EM:7.1;Other:0.9,Value:-0.9;Growth:-0.9;Quality:-0.0;Size:-0.9;Momentum:+0.2;LowVol:-0.8,,6,30,4.1,hard 12%,206,33.3,Bear,25.4,3.36,1.7,143,15,70,64,false,Rebalance,Shift +1% to bonds from equity,15,-15,BrokerC,LMT,91,None,None,Normal monitoring,6,-31,140,4,false,Monitor dispersion and breadth
P6308,Hands-off,Roth,USD,2024-08-24,450271,44053,406218,1.0,66.5,23.9,1.2,8.4,TLT:24.6%;IEF:24.6%;TSLA:15.1%;BRK.B:24.6%;MSFT:11.1%,US:76.6;EU:5.4;APAC:11.6;EM:3.6;Other:2.9,Value:0.0;Growth:+0.5;Quality:+1.0;Size:+0.4;Momentum:+0.5;LowVol:+0.9,MaxPos6%,8,25,4.7,trailing 10%,135,12.5,Bull,17.3,3.84,2.6,102,55,66,50,true,Reduce,"Cut high-beta by 2-3%, add cash",-10,-7,BrokerD,LMT,90,VAR>budget,TightenStops,Risk above budget threshold,-35,-45,-9,3,true,Tighten stops on momentum names
P6309,Hands-off,Roth,USD,2024-07-31,253548,19769,233779,1.0,64.4,28.3,0.0,7.3,VTI:20.4%;IEF:11.5%;GLD:19.5%;TSLA:20.1%;QQQ:17.1%;VOO:11.5%,US:66.4;EU:17.4;APAC:9.9;EM:5.8;Other:0.5,Value:+0.7;Growth:+1.0;Quality:-0.3;Size:+0.8;Momentum:-0.4;LowVol:+0.4,MaxPos8%,6,25,4.8,trailing 8%,106,19.2,Bear,25.6,3.1,2.8,153,-97,15,71,true,Hedge,Buy index puts 1% notional,27,-34,BrokerB,VWAP,97,VAR>budget,Reduce,Risk above budget threshold,76,-23,101,2,false,Within IPS guidelines
P6310,Cautious,Taxable,USD,2025-12-18,608762,72012,536750,1.0,36.2,43.0,10.3,10.4,VTI:33.3%;QQQ:33.3%;IEF:33.3%,US:57.4;EU:20.2;APAC:10.1;EM:9.3;Other:3.0,Value:+0.4;Growth:-0.1;Quality:-0.3;Size:+0.1;Momentum:-0.6;LowVol:-1.0,MaxPos6%;NoDerivatives;NoMargin,8,25,3.0,hard 10%,99,12.3,Bull,13.3,4.72,3.4,99,70,72,28,false,Rebalance,Shift +1% to bonds from equity,17,-19,BrokerD,VWAP,99,None,None,Normal monitoring,46,-13,51,3,false,Within IPS guidelines
P6311,Opportunistic,Roth,USD,2025-06-03,1575209,47872,1527337,1.0,62.4,15.3,17.5,4.8,XLF:23.2%;MSFT:23.2%;VOO:14.8%;BND:16.0%;AMZN:22.8%,US:65.1;EU:16.7;APAC:10.6;EM:7.6;Other:0.1,Value:+0.1;Growth:+0.4;Quality:+0.6;Size:+0.3;Momentum:-0.1;LowVol:-0.1,MaxPos7%,6,30,6.8,trailing 7%,164,24.0,Volatile,23.8,4.67,4.3,144,31,63,68,true,Reduce,"Cut high-beta by 2-3%, add cash",30,-32,BrokerC,MKT,94,Drift>tolerance,Hedge,Allocation drift beyond policy bands,99,-55,158,3,false,Tax-aware sells next window
P6312,Hands-off,Taxable,USD,2025-04-17,442431,39976,402455,1.0,69.9,24.9,0.0,5.2,AMZN:18.8%;BND:27.1%;MUB:27.1%;XLF:27.1%,US:59.0;EU:18.5;APAC:12.9;EM:9.1;Other:0.4,Value:-0.5;Growth:-0.7;Quality:+0.5;Size:+0.3;Momentum:+0.6;LowVol:-0.6,ESGOnly;MaxPos8%,10,30,5.1,trailing 8%,111,12.2,Volatile,29.3,5.2,4.3,180,68,80,85,true,Reduce,"Cut high-beta by 2-3%, add cash",13,-28,BrokerA,LMT,97,Drift>tolerance,Hedge,Allocation drift beyond policy bands,5,-21,36,4,false,Increase defensive factor exposure
P6313,Opportunistic,401k,USD,2025-04-16,488108,18353,469755,1.0,73.1,17.1,1.9,7.9,VTI:33.3%;AMZN:33.3%;AAPL:33.3%,US:67.8;EU:16.9;APAC:5.5;EM:9.2;Other:0.5,Value:-1.0;Growth:+0.5;Quality:-0.7;Size:-0.1;Momentum:-0.3;LowVol:-0.2,,10,25,5.3,trailing 7%,195,24.7,Sideways,15.2,3.97,2.2,105,46,72,48,false,NoAction,Within bands; monitor,6,-13,BrokerA,LMT,91,None,None,Normal monitoring,17,6,110,3,false,Tax-aware sells next window
P6314,Hands-off,Taxable,USD,2025-05-10,374930,17685,357245,1.0,60.8,19.2,12.6,7.5,VNQ:29.5%;HYG:35.3%;XLF:35.3%,US:54.9;EU:17.0;APAC:12.8;EM:10.9;Other:4.4,Value:+0.4;Growth:+0.8;Quality:-0.9;Size:+0.7;Momentum:-0.2;LowVol:-0.8,ESGOnly,8,30,5.3,trailing 8%,163,12.3,Volatile,29.4,5.36,4.3,130,-37,45,78,true,Hedge,Buy index puts 1% notional,3,-26,BrokerD,VWAP,86,RegimeShift,Hedge,Volatility spike and breadth deterioration,57,-26,92,4,false,Monitor dispersion and breadth
P6315,Hands-off,Taxable,USD,2024-10-16,229187,19317,209870,1.0,59.4,27.5,6.6,6.5,GLD:23.1%;VOO:23.1%;BRK.B:23.1%;AAPL:23.1%;TSLA:7.6%,US:70.5;EU:10.9;APAC:6.9;EM:8.2;Other:3.5,Value:+0.5;Growth:-0.7;Quality:+0.5;Size:-0.3;Momentum:+1.0;LowVol:-0.4,MaxPos6%;NoDerivatives,7,35,4.6,trailing 10%,124,12.7,Bull,15.8,4.41,3.0,114,11,60,53,false,Rebalance,Shift +1% to bonds from equity,11,-27,BrokerD,LMT,90,None,None,Normal monitoring,-29,16,-52,3,false,Monitor dispersion and breadth
P6316,Opportunistic,Trust,USD,2025-08-01,1720276,85654,1634622,1.0,72.8,20.3,0.0,6.9,TLT:25.8%;XLF:22.5%;MUB:25.8%;HYG:25.8%,US:69.0;EU:12.1;APAC:8.4;EM:10.3;Other:0.1,Value:+0.5;Growth:+0.3;Quality:+0.5;Size:+0.9;Momentum:0.0;LowVol:+0.3,NoDerivatives,5,35,6.8,trailing 7%,229,31.1,Bull,15.4,4.16,2.2,73,35,82,53,false,Rebalance,Shift +1% to bonds from equity,29,-15,BrokerA,VWAP,97,None,None,Normal monitoring,-27,20,35,5,false,Increase defensive factor exposure
P6317,Cautious,Roth,USD,2025-09-08,840640,79911,760729,1.0,43.6,38.6,1.2,16.6,MSFT:33.9%;VTI:32.2%;VNQ:33.9%,US:73.9;EU:7.9;APAC:10.7;EM:4.0;Other:3.5,Value:+0.2;Growth:+0.3;Quality:-0.9;Size:-1.0;Momentum:+0.2;LowVol:-0.3,NoMargin,10,30,5.1,trailing 8%,123,19.5,Volatile,21.9,4.54,3.8,147,-59,15,43,false,Sell,Trim extended winner -1%,35,-10,BrokerC,VWAP,87,None,None,Normal monitoring,92,-21,140,3,false,Tighten stops on momentum names
P6318,Opportunistic,Taxable,USD,2024-08-04,1169933,49550,1120383,1.0,65.4,15.7,10.1,8.9,IEF:24.4%;MSFT:16.9%;BRK.B:24.4%;XLF:14.7%;TSLA:19.7%,US:62.4;EU:7.1;APAC:11.6;EM:13.8;Other:5.0,Value:-1.0;Growth:+0.3;Quality:+0.4;Size:-1.0;Momentum:-0.7;LowVol:+1.0,NoDerivatives,7,35,5.6,trailing 9%,169,32.4,Bear,32.3,3.88,2.6,195,-40,41,80,true,Hedge,Buy index puts 1% notional,20,-39,BrokerC,LMT,93,Drift>tolerance,Hedge,Allocation drift beyond policy bands,28,8,27,3,false,Tighten stops on momentum names
P6319,Active,IRA,USD,2025-01-13,1664554,154045,1510509,1.0,63.1,28.9,0.0,8.0,VOO:33.3%;XLF:33.3%;TSLA:33.3%,US:63.4;EU:12.9;APAC:13.7;EM:6.3;Other:3.7,Value:-0.3;Growth:-0.6;Quality:-0.8;Size:-0.7;Momentum:+0.6;LowVol:+0.2,MaxPos8%;NoDerivatives,7,25,5.1,hard 12%,222,19.5,Bear,24.1,3.24,2.1,218,-77,18,60,true,Rebalance,Rebalance back to target bands,32,-13,BrokerA,LMT,99,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-1,-56,114,5,false,Increase defensive factor exposure
P6320,Active,Trust,USD,2025-11-28,1809849,157420,1652429,1.0,66.0,26.8,0.0,7.3,QQQ:34.3%;GLD:31.4%;VOO:34.3%,US:69.4;EU:8.8;APAC:9.4;EM:8.9;Other:3.4,Value:+0.3;Growth:+0.7;Quality:-0.9;Size:-0.7;Momentum:-0.1;LowVol:-0.4,,5,25,5.6,hard 12%,180,24.4,Bull,12.2,4.47,2.4,78,69,82,45,false,Rebalance,Shift +1% to bonds from equity,-13,-27,BrokerD,MKT,94,None,None,Normal monitoring,34,-58,141,5,false,Within IPS guidelines
P6321,Hands-off,Trust,USD,2025-12-06,567364,48605,518759,1.0,63.7,15.0,13.3,8.0,QQQ:20.8%;HYG:26.4%;MUB:26.4%;AMZN:26.4%,US:62.6;EU:17.3;APAC:5.9;EM:10.5;Other:3.7,Value:+0.9;Growth:+0.2;Quality:+0.4;Size:+0.4;Momentum:+0.7;LowVol:-0.9,MaxPos5%,8,25,3.5,trailing 8%,104,16.7,Bull,16.8,4.3,2.8,101,51,67,45,false,Rebalance,Shift +1% to bonds from equity,10,-25,BrokerA,LMT,95,None,None,Normal monitoring,11,-40,-19,3,false,Within IPS guidelines
P6322,Systematic,Trust,USD,2025-12-13,1224013,102580,1121433,1.0,61.5,28.5,2.9,7.1,HYG:19.4%;BRK.B:21.8%;GLD:19.4%;AMZN:20.6%;VNQ:18.8%,US:66.2;EU:13.2;APAC:11.0;EM:8.8;Other:0.9,Value:+0.1;Growth:-0.5;Quality:-0.9;Size:-0.1;Momentum:-0.2;LowVol:+0.2,,5,25,6.0,hard 12%,202,22.4,Volatile,28.5,4.44,4.1,152,40,80,74,true,Reduce,"Cut high-beta by 2-3%, add cash",-10,-17,BrokerD,MKT,91,Drift>tolerance,Hedge,Allocation drift beyond policy bands,109,-29,160,5,false,Increase defensive factor exposure
P6323,Hands-off,Roth,USD,2025-02-12,507100,26538,480562,1.0,62.9,26.2,2.4,8.5,AMZN:20.5%;GLD:14.0%;BND:12.3%;IEF:15.7%;AAPL:19.1%;XLF:18.5%,US:69.5;EU:8.8;APAC:7.5;EM:11.8;Other:2.4,Value:-1.0;Growth:-0.9;Quality:-0.8;Size:+0.1;Momentum:+0.9;LowVol:-0.5,,8,25,4.1,trailing 8%,161,16.0,Bull,14.5,4.01,2.4,90,76,94,43,false,Sell,Trim extended winner -1%,-5,-4,BrokerD,LMT,92,None,None,Normal monitoring,-51,10,79,3,false,Increase defensive factor exposure
P6324,Cautious,Taxable,USD,2025-11-29,743716,73954,669762,1.0,50.6,35.5,0.0,13.8,AAPL:27.5%;IEF:20.0%;MUB:27.5%;MSFT:25.0%,US:73.9;EU:9.2;APAC:10.6;EM:3.8;Other:2.6,Value:+0.6;Growth:+0.8;Quality:+0.4;Size:-1.0;Momentum:-0.5;LowVol:+0.3,MaxPos6%;NoMargin,8,35,5.6,trailing 8%,126,16.8,Volatile,31.0,3.61,3.7,114,-52,21,66,false,Buy,Add to core equity +1%,-8,5,BrokerD,MKT,91,None,None,Normal monitoring,73,-53,112,4,false,Tax-aware sells next window
P6325,Cautious,Taxable,USD,2025-08-05,604478,79638,524840,1.0,48.5,34.1,6.0,11.4,GLD:23.7%;VNQ:26.3%;TSLA:23.7%;HYG:26.3%,US:62.4;EU:11.3;APAC:13.8;EM:12.3;Other:0.2,Value:-0.5;Growth:+0.6;Quality:+0.9;Size:-0.7;Momentum:+0.1;LowVol:-0.3,ESGOnly;NoDerivatives;NoMargin,7,30,5.2,trailing 8%,148,19.4,Sideways,16.6,3.86,3.2,127,17,55,49,false,Rebalance,Shift +1% to bonds from equity,13,13,BrokerC,LMT,100,None,None,Normal monitoring,49,-8,101,4,false,Increase defensive factor exposure
P6326,Hands-off,Roth,USD,2025-03-23,370354,31899,338455,1.0,58.4,24.0,11.9,5.7,VNQ:28.4%;TSLA:20.1%;BND:28.4%;XLF:23.0%,US:68.6;EU:14.6;APAC:7.4;EM:6.5;Other:3.0,Value:+0.1;Growth:-0.0;Quality:+0.5;Size:-0.4;Momentum:-0.5;LowVol:-0.7,MaxPos5%,5,25,4.6,hard 10%,122,17.9,Volatile,30.3,4.36,3.5,175,-55,30,78,true,Reduce,"Cut high-beta by 2-3%, add cash",4,-27,BrokerD,MKT,100,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,83,19,218,3,false,Tighten stops on momentum names
P6327,Opportunistic,IRA,USD,2025-06-06,857846,48033,809813,1.0,65.0,12.8,17.9,4.2,AAPL:27.8%;AMZN:16.6%;TSLA:27.8%;BND:27.8%,US:69.0;EU:7.2;APAC:15.2;EM:8.4;Other:0.2,Value:-0.7;Growth:-0.3;Quality:-0.7;Size:+1.0;Momentum:+0.8;LowVol:+0.2,NoDerivatives,10,30,5.9,trailing 9%,180,25.5,Volatile,31.8,4.51,3.3,140,28,52,90,true,Hedge,Buy index puts 1% notional,-12,-11,BrokerA,MKT,90,VAR>budget,Reduce,Risk above budget threshold,-43,10,-50,3,false,Tax-aware sells next window
P6328,Cautious,Roth,USD,2025-09-15,281517,39495,242022,1.0,40.3,33.3,8.9,17.6,TLT:18.9%;GLD:23.6%;AAPL:23.6%;TSLA:10.2%;BND:23.6%,US:64.3;EU:14.4;APAC:10.8;EM:9.5;Other:0.9,Value:+0.9;Growth:+1.0;Quality:+1.0;Size:+0.1;Momentum:-0.6;LowVol:+0.3,ESGOnly;MaxPos5%;NoMargin,6,30,5.1,hard 10%,129,15.2,Sideways,17.3,4.92,3.2,120,-12,38,28,false,Sell,Trim extended winner -1%,16,-30,BrokerB,LMT,100,None,None,Normal monitoring,105,-29,202,5,false,Tighten stops on momentum names
P6329,Systematic,IRA,USD,2024-09-13,784546,36427,748119,1.0,66.6,24.0,0.0,9.4,XLF:23.8%;GLD:23.8%;TLT:15.7%;HYG:23.8%;VOO:13.0%,US:63.7;EU:15.0;APAC:6.1;EM:10.5;Other:4.8,Value:-0.9;Growth:-0.3;Quality:+0.5;Size:-0.3;Momentum:-0.4;LowVol:-0.7,MaxPos6%,6,30,5.5,hard 12%,221,18.2,Volatile,25.9,4.19,2.5,157,61,74,73,true,Rebalance,Rebalance back to target bands,-15,-28,BrokerD,MKT,86,RegimeShift,TightenStops,Volatility spike and breadth deterioration,116,-11,232,4,true,Tighten stops on momentum names
P6330,Cautious,Roth,USD,2025-11-01,886188,135731,750457,1.0,53.0,31.8,0.0,15.2,TSLA:19.1%;MUB:21.4%;VOO:21.4%;AMZN:7.5%;QQQ:21.1%;MSFT:9.6%,US:70.2;EU:10.4;APAC:9.1;EM:9.7;Other:0.6,Value:+0.1;Growth:+0.8;Quality:-0.2;Size:+0.8;Momentum:+0.8;LowVol:-0.8,NoDerivatives;NoMargin,5,25,4.0,hard 10%,155,17.6,Bull,12.3,4.87,2.4,95,10,60,41,true,Hedge,Buy index puts 1% notional,34,7,BrokerB,LMT,88,RegimeShift,Pause,Volatility spike and breadth deterioration,45,-2,127,4,false,Tighten stops on momentum names
P6331,Cautious,Taxable,USD,2024-07-18,222405,35449,186956,1.0,42.1,39.0,8.7,10.2,AMZN:22.3%;MSFT:17.0%;VNQ:22.7%;BND:22.7%;GLD:15.4%,US:72.6;EU:7.6;APAC:10.6;EM:5.6;Other:3.7,Value:+0.7;Growth:-0.3;Quality:-0.4;Size:+0.5;Momentum:-0.5;LowVol:-0.5,ESGOnly;NoDerivatives;NoMargin,5,30,5.3,hard 10%,163,19.6,Sideways,15.6,4.26,2.9,94,49,80,28,false,Rebalance,Shift +1% to bonds from equity,-7,-11,BrokerD,MKT,90,None,None,Normal monitoring,6,10,17,3,false,Tighten stops on momentum names
P6332,Opportunistic,Roth,USD,2024-09-03,1724941,140545,1584396,1.0,69.6,21.4,3.7,5.2,MSFT:14.4%;HYG:22.2%;VTI:19.8%;AAPL:22.2%;QQQ:21.3%,US:60.5;EU:19.1;APAC:8.8;EM:10.7;Other:1.0,Value:0.0;Growth:+0.7;Quality:-0.6;Size:+0.2;Momentum:0.0;LowVol:-0.8,MaxPos7%,10,35,6.3,trailing 7%,204,22.5,Volatile,26.7,3.75,2.7,154,20,53,72,true,Hedge,Buy index puts 1% notional,13,-17,BrokerB,VWAP,93,VAR>budget,Hedge,Risk above budget threshold,-10,-34,92,2,false,Tighten stops on momentum names
P6333,Active,IRA,USD,2024-12-06,553486,65284,488202,1.07,53.3,28.9,9.9,8.0,VNQ:25.6%;BRK.B:25.6%;IEF:25.6%;VTI:23.2%,US:63.9;EU:8.4;APAC:15.5;EM:11.8;Other:0.4,Value:-0.3;Growth:-0.9;Quality:+0.7;Size:-0.9;Momentum:+1.0;LowVol:+0.6,,8,30,4.5,trailing 8%,151,27.3,Bear,26.4,3.99,2.3,215,-36,33,68,false,Rebalance,Shift +1% to bonds from equity,32,-2,BrokerB,MKT,97,None,None,Normal monitoring,-58,-26,45,5,false,Within IPS guidelines
P6334,Opportunistic,401k,USD,2024-10-18,562192,45576,516616,1.0,74.1,19.4,0.2,6.3,TLT:22.1%;QQQ:28.4%;VTI:21.0%;MUB:28.4%,US:65.1;EU:12.8;APAC:11.4;EM:6.1;Other:4.6,Value:+0.8;Growth:-0.5;Quality:-1.0;Size:-0.3;Momentum:+0.1;LowVol:-0.7,MaxPos7%;NoDerivatives,6,30,6.8,trailing 7%,168,29.9,Bear,33.1,3.0,2.6,130,-98,10,81,true,Reduce,"Cut high-beta by 2-3%, add cash",21,-31,BrokerC,MKT,94,RegimeShift,Reduce,Volatility spike and breadth deterioration,-46,-10,83,3,false,Monitor dispersion and breadth
P6335,Hands-off,401k,USD,2025-03-29,242163,13054,229109,1.0,72.5,20.0,0.0,7.5,TLT:25.0%;MUB:25.0%;BRK.B:25.0%;AMZN:25.0%,US:67.8;EU:11.2;APAC:11.5;EM:7.0;Other:2.6,Value:-0.6;Growth:-0.2;Quality:-0.6;Size:-0.4;Momentum:+0.1;LowVol:-0.0,MaxPos7%,6,30,5.1,hard 10%,144,18.6,Bear,31.3,3.6,1.0,152,1,41,86,true,Reduce,"Cut high-beta by 2-3%, add cash",28,-38,BrokerA,LMT,89,Drift>tolerance,Hedge,Allocation drift beyond policy bands,38,-14,106,2,false,Within IPS guidelines
P6336,Hands-off,Roth,USD,2025-06-28,475825,28766,447059,1.0,60.0,26.9,6.1,7.0,TSLA:33.3%;VTI:33.3%;GLD:33.3%,US:55.7;EU:10.9;APAC:15.9;EM:12.5;Other:5.0,Value:+0.3;Growth:+0.1;Quality:-0.7;Size:+1.0;Momentum:+0.3;LowVol:+0.9,MaxPos7%,7,30,4.3,trailing 8%,161,13.7,Sideways,21.7,3.78,2.6,101,47,77,59,false,Rebalance,Shift +1% to bonds from equity,18,-13,BrokerC,LMT,94,None,None,Normal monitoring,82,-26,218,4,false,Monitor dispersion and breadth
P6337,Systematic,Roth,USD,2025-10-17,763111,49470,713641,1.0,58.7,20.7,13.1,7.6,GLD:8.0%;AMZN:21.0%;TSLA:13.2%;XLF:15.9%;BRK.B:21.0%;QQQ:21.0%,US:59.3;EU:15.2;APAC:14.1;EM:10.5;Other:0.9,Value:-0.5;Growth:-0.5;Quality:-0.4;Size:-0.1;Momentum:+0.2;LowVol:-0.7,MaxPos7%,10,30,5.8,trailing 9%,196,25.2,Bull,14.1,3.72,3.2,113,115,100,43,false,Sell,Trim extended winner -1%,33,-40,BrokerA,LMT,99,None,None,Normal monitoring,58,4,122,4,false,Monitor dispersion and breadth
P6338,Systematic,IRA,USD,2024-11-13,1019677,75530,944147,1.0,58.6,25.4,6.3,9.7,AAPL:24.3%;XLF:8.4%;BND:18.9%;TLT:24.3%;MUB:24.3%,US:76.6;EU:10.6;APAC:6.1;EM:6.0;Other:0.8,Value:+0.9;Growth:-0.4;Quality:-0.7;Size:-0.9;Momentum:-0.5;LowVol:+0.8,MaxPos6%,5,35,4.1,hard 12%,227,20.9,Volatile,25.2,3.88,3.3,173,63,93,55,false,Buy,Add to core equity +1%,35,-5,BrokerA,MKT,95,None,None,Normal monitoring,10,11,44,3,false,Increase defensive factor exposure
P6339,Opportunistic,Trust,USD,2025-04-07,1617482,86928,1530554,1.0,70.7,19.7,5.1,4.5,AAPL:15.4%;BND:23.2%;TLT:15.0%;QQQ:23.2%;GLD:23.2%,US:68.6;EU:11.5;APAC:9.3;EM:5.8;Other:4.8,Value:-0.5;Growth:-0.2;Quality:-0.3;Size:+0.1;Momentum:+0.6;LowVol:-0.2,,7,25,4.2,trailing 9%,204,31.8,Bull,11.2,4.16,2.3,111,9,48,42,false,Buy,Add to core equity +1%,17,2,BrokerD,MKT,99,None,None,Normal monitoring,-23,-35,-49,4,false,Tighten stops on momentum names
P6340,Systematic,Trust,USD,2025-03-26,1000991,58758,942233,1.0,60.4,29.7,4.2,5.7,VTI:33.3%;XLF:33.3%;IEF:33.3%,US:58.2;EU:17.7;APAC:9.8;EM:9.9;Other:4.4,Value:+0.7;Growth:+0.9;Quality:-0.6;Size:+0.6;Momentum:+0.6;LowVol:+0.9,MaxPos8%,6,35,4.4,trailing 9%,202,26.2,Bear,34.4,4.09,2.0,205,-47,35,85,true,Rebalance,Rebalance back to target bands,35,-24,BrokerD,VWAP,88,VAR>budget,Hedge,Risk above budget threshold,-50,-17,-10,3,false,Tighten stops on momentum names
P6341,Opportunistic,Trust,USD,2024-12-22,1122770,94113,1028657,1.0,65.4,13.3,12.4,8.9,QQQ:25.8%;BRK.B:25.8%;MUB:25.8%;HYG:22.5%,US:71.5;EU:7.4;APAC:13.0;EM:7.9;Other:0.3,Value:+0.1;Growth:+0.5;Quality:+0.6;Size:+0.5;Momentum:-0.7;LowVol:-0.6,MaxPos6%;NoDerivatives,10,30,6.5,trailing 9%,184,29.5,Volatile,22.1,3.69,4.1,137,2,44,58,false,Rebalance,Shift +1% to bonds from equity,-12,-17,BrokerC,MKT,86,None,None,Normal monitoring,8,-9,-3,4,false,Tighten stops on momentum names
P6342,Opportunistic,Roth,USD,2024-10-29,1388241,67520,1320721,1.0,67.6,16.4,9.9,6.1,VTI:23.5%;BRK.B:23.5%;VNQ:23.5%;TLT:9.7%;MSFT:19.8%,US:71.3;EU:10.8;APAC:8.2;EM:7.9;Other:1.8,Value:-0.8;Growth:-0.7;Quality:-0.4;Size:-0.3;Momentum:-0.3;LowVol:+0.8,MaxPos7%;NoDerivatives,10,25,4.7,trailing 9%,166,20.3,Volatile,21.2,3.81,3.9,139,-14,41,62,false,Sell,Trim extended winner -1%,-14,-1,BrokerA,MKT,89,None,None,Normal monitoring,21,16,9,4,false,Increase defensive factor exposure
P6343,Hands-off,401k,USD,2024-09-26,269378,18175,251203,1.0,61.6,26.0,6.3,6.1,HYG:20.3%;BRK.B:11.5%;AAPL:27.1%;MUB:27.1%;QQQ:14.0%,US:66.9;EU:10.0;APAC:12.8;EM:5.1;Other:5.3,Value:-1.0;Growth:+0.8;Quality:-0.0;Size:+1.0;Momentum:+0.8;LowVol:0.0,ESGOnly;MaxPos8%,10,35,4.7,hard 10%,136,14.0,Volatile,22.1,4.4,3.9,154,7,43,70,false,Buy,Add to core equity +1%,10,-31,BrokerA,MKT,87,None,None,Normal monitoring,-59,-5,51,4,false,Tax-aware sells next window
P6344,Active,IRA,USD,2024-12-25,1257239,95476,1161763,1.0,55.5,19.2,15.5,9.8,IEF:18.3%;AAPL:27.2%;HYG:27.2%;QQQ:27.2%,US:61.3;EU:14.5;APAC:5.9;EM:13.0;Other:5.3,Value:+0.6;Growth:-0.3;Quality:0.0;Size:+0.7;Momentum:+0.6;LowVol:+0.4,,8,30,5.7,trailing 8%,210,16.8,Sideways,15.9,4.28,2.9,101,15,56,46,false,Sell,Trim extended winner -1%,24,-4,BrokerD,MKT,92,None,None,Normal monitoring,-28,-37,-6,3,false,Increase defensive factor exposure
P6345,Cautious,Taxable,USD,2025-06-12,795906,92712,703194,1.0,37.0,33.7,16.6,12.7,AMZN:21.8%;HYG:18.8%;BND:22.4%;XLF:22.4%;VTI:14.7%,US:64.6;EU:19.7;APAC:7.0;EM:5.1;Other:3.6,Value:+0.4;Growth:-1.0;Quality:+0.5;Size:-0.1;Momentum:0.0;LowVol:+0.7,NoDerivatives;NoMargin,5,35,3.1,hard 10%,104,15.4,Sideways,19.2,4.58,2.0,134,44,65,40,true,Hedge,Buy index puts 1% notional,29,8,BrokerB,LMT,100,RegimeShift,Hedge,Volatility spike and breadth deterioration,58,-46,136,4,false,Monitor dispersion and breadth
P6346,Cautious,401k,USD,2024-07-16,227939,19015,208924,1.0,43.6,43.6,1.5,11.2,TLT:15.9%;MUB:28.0%;IEF:28.0%;BRK.B:28.0%,US:64.6;EU:14.6;APAC:14.7;EM:6.0;Other:0.1,Value:+0.7;Growth:+0.9;Quality:+0.1;Size:-0.2;Momentum:+0.1;LowVol:-0.6,ESGOnly;NoDerivatives;NoMargin,6,30,4.1,trailing 10%,99,14.6,Bull,11.1,4.36,2.4,108,29,65,33,true,Hedge,Buy index puts 1% notional,13,4,BrokerB,LMT,98,VAR>budget,Reduce,Risk above budget threshold,23,-6,84,4,false,Increase defensive factor exposure
P6347,Cautious,IRA,USD,2025-06-01,543858,72861,470997,1.0,35.3,31.5,16.2,16.9,TSLA:23.1%;QQQ:27.2%;VOO:27.2%;MSFT:22.4%,US:71.5;EU:12.5;APAC:6.3;EM:5.8;Other:3.9,Value:+0.7;Growth:+0.6;Quality:+1.0;Size:-0.3;Momentum:-0.0;LowVol:0.0,ESGOnly;NoMargin,10,35,5.9,hard 10%,98,16.0,Volatile,29.8,4.14,4.3,114,-56,27,55,false,Rebalance,Shift +1% to bonds from equity,12,6,BrokerD,MKT,87,None,None,Normal monitoring,-46,-23,20,5,false,Within IPS guidelines
P6348,Cautious,Roth,USD,2025-09-24,301596,40754,260842,1.0,49.5,37.9,0.0,12.6,HYG:21.4%;VNQ:15.8%;AMZN:7.3%;GLD:12.6%;VOO:21.4%;TSLA:21.4%,US:72.4;EU:6.9;APAC:11.4;EM:6.2;Other:3.2,Value:-0.7;Growth:-0.6;Quality:-0.2;Size:+0.9;Momentum:+0.4;LowVol:-0.3,ESGOnly;NoMargin,7,25,3.1,trailing 8%,104,12.3,Sideways,18.7,4.73,3.2,107,6,61,46,true,Hedge,Buy index puts 1% notional,26,-24,BrokerD,LMT,91,VAR>budget,Reduce,Risk above budget threshold,84,-15,101,4,false,Tax-aware sells next window
P6349,Systematic,Taxable,USD,2025-03-06,1421384,87873,1333511,1.0,56.3,34.5,0.4,8.7,VNQ:20.3%;IEF:14.2%;MUB:21.7%;TSLA:21.9%;QQQ:21.9%,US:71.8;EU:7.4;APAC:13.1;EM:3.3;Other:4.4,Value:+0.1;Growth:-0.8;Quality:-0.3;Size:+0.4;Momentum:+0.1;LowVol:+0.3,,6,30,4.1,hard 12%,165,23.3,Bear,32.1,3.72,2.4,154,-19,29,77,true,Hedge,Buy index puts 1% notional,-14,-15,BrokerC,LMT,85,Drift>tolerance,Pause,Allocation drift beyond policy bands,-40,-32,73,3,false,Tighten stops on momentum names
P6350,Cautious,Roth,USD,2024-08-23,806662,81870,724792,1.0,46.8,42.5,0.0,10.8,MUB:25.7%;GLD:25.7%;TLT:22.9%;TSLA:25.7%,US:71.5;EU:11.1;APAC:6.9;EM:10.5;Other:0.0,Value:-0.2;Growth:-0.9;Quality:+0.3;Size:0.0;Momentum:+0.8;LowVol:+0.4,ESGOnly;NoMargin,10,35,3.9,hard 10%,109,14.3,Volatile,30.6,3.63,3.3,118,79,79,70,false,Buy,Add to core equity +1%,-13,-10,BrokerA,VWAP,93,None,None,Normal monitoring,-30,-27,84,5,false,Increase defensive factor exposure
P6351,Systematic,Roth,USD,2025-08-19,884569,87308,797261,1.0,61.1,31.3,0.0,7.6,BRK.B:19.5%;TLT:23.0%;AAPL:11.4%;HYG:23.0%;MUB:23.0%,US:69.4;EU:13.3;APAC:6.3;EM:9.5;Other:1.4,Value:-0.7;Growth:-0.7;Quality:+0.7;Size:+0.4;Momentum:-0.7;LowVol:+0.7,NoDerivatives,8,25,4.3,trailing 8%,224,25.3,Volatile,26.1,4.85,2.7,118,-39,19,70,false,Rebalance,Shift +1% to bonds from equity,-15,-14,BrokerB,LMT,92,None,None,Normal monitoring,54,-3,91,3,false,Tax-aware sells next window
P6352,Cautious,Taxable,USD,2025-06-03,316234,30990,285244,1.0,44.0,31.8,6.2,17.9,IEF:9.1%;BND:20.4%;QQQ:20.2%;HYG:14.1%;AAPL:20.4%;XLF:15.8%,US:68.4;EU:10.6;APAC:11.8;EM:6.6;Other:2.5,Value:+0.1;Growth:+0.9;Quality:+0.1;Size:-0.4;Momentum:+0.9;LowVol:-0.9,MaxPos7%;NoMargin,10,35,3.9,trailing 8%,168,18.1,Bull,12.5,4.38,2.3,84,43,64,36,true,Hedge,Buy index puts 1% notional,34,4,BrokerC,MKT,86,RegimeShift,TightenStops,Volatility spike and breadth deterioration,-36,-31,4,2,false,Within IPS guidelines
P6353,Hands-off,Taxable,USD,2025-05-07,651779,43538,608241,1.0,67.4,26.9,0.0,5.6,TSLA:16.8%;HYG:20.6%;VTI:9.8%;VNQ:20.3%;XLF:10.3%;MUB:22.3%,US:78.4;EU:9.0;APAC:7.1;EM:4.1;Other:1.4,Value:+0.5;Growth:+0.3;Quality:-0.1;Size:+0.6;Momentum:-0.9;LowVol:-0.4,ESGOnly;MaxPos7%,5,30,3.0,trailing 8%,167,14.7,Bear,30.6,3.49,2.6,208,-3,61,83,true,Reduce,"Cut high-beta by 2-3%, add cash",18,-1,BrokerC,LMT,95,VAR>budget,Reduce,Risk above budget threshold,37,-6,66,5,false,Tighten stops on momentum names
P6354,Cautious,Roth,USD,2025-09-13,445302,37592,407710,1.0,43.0,30.8,10.9,15.4,VNQ:27.0%;AMZN:27.0%;TSLA:18.9%;AAPL:27.0%,US:70.0;EU:6.1;APAC:9.4;EM:10.2;Other:4.4,Value:+0.7;Growth:-0.0;Quality:+0.6;Size:+0.8;Momentum:+0.6;LowVol:+0.2,ESGOnly;NoMargin,5,35,4.8,trailing 10%,122,12.9,Bear,26.2,4.33,1.1,193,-86,5,60,false,Buy,Add to core equity +1%,-3,10,BrokerA,MKT,86,None,None,Normal monitoring,83,-14,100,3,false,Monitor dispersion and breadth
P6355,Active,Taxable,USD,2025-07-19,2230447,178605,2051842,1.0,59.9,31.2,0.5,8.4,XLF:25.8%;QQQ:25.8%;VTI:22.6%;MSFT:25.8%,US:73.4;EU:5.6;APAC:11.8;EM:5.2;Other:3.9,Value:-0.0;Growth:-0.1;Quality:+0.2;Size:+0.3;Momentum:+0.2;LowVol:+0.9,MaxPos8%,8,25,4.8,trailing 9%,146,26.2,Volatile,31.8,3.88,2.1,135,2,65,74,true,Hedge,Buy index puts 1% notional,2,-14,BrokerD,LMT,87,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-49,2,-37,4,false,Increase defensive factor exposure
P6356,Opportunistic,401k,USD,2025-06-17,1178594,65765,1112829,1.0,60.2,12.3,18.6,8.9,QQQ:24.1%;TSLA:24.1%;BRK.B:10.0%;HYG:24.1%;AMZN:17.6%,US:76.7;EU:6.9;APAC:6.4;EM:6.9;Other:3.1,Value:-0.3;Growth:-1.0;Quality:-0.8;Size:+0.8;Momentum:-0.9;LowVol:+0.2,NoDerivatives,7,25,4.1,trailing 9%,180,30.4,Volatile,20.2,4.66,3.2,174,-57,19,62,false,Sell,Trim extended winner -1%,7,-9,BrokerD,LMT,95,None,None,Normal monitoring,-38,-1,51,3,false,Increase defensive factor exposure
P6357,Cautious,Roth,USD,2024-12-28,800825,68488,732337,1.0,47.7,38.1,3.3,10.8,VNQ:33.3%;AAPL:33.3%;TSLA:33.3%,US:68.2;EU:7.4;APAC:13.0;EM:8.6;Other:2.8,Value:+0.7;Growth:+0.6;Quality:+0.8;Size:+0.6;Momentum:+0.7;LowVol:-0.4,ESGOnly;NoMargin,10,30,4.5,trailing 8%,129,15.7,Sideways,17.2,3.63,3.0,107,5,66,53,false,Buy,Add to core equity +1%,25,1,BrokerB,MKT,96,None,None,Normal monitoring,79,-57,99,3,false,Within IPS guidelines
P6358,Active,IRA,USD,2024-07-08,933491,57603,875888,1.09,63.2,19.8,11.2,5.8,TLT:28.5%;VTI:28.5%;TSLA:28.5%;BRK.B:14.5%,US:70.4;EU:9.0;APAC:11.6;EM:8.5;Other:0.5,Value:+0.5;Growth:-0.2;Quality:+0.3;Size:-0.1;Momentum:+0.2;LowVol:-0.4,NoDerivatives,6,30,5.3,trailing 9%,130,25.8,Volatile,26.0,3.52,2.7,116,-23,40,61,false,Sell,Trim extended winner -1%,32,9,BrokerC,MKT,92,None,None,Normal monitoring,14,5,32,4,false,Tighten stops on momentum names
P6359,Cautious,Trust,USD,2025-03-03,486931,76196,410735,1.0,43.1,42.0,0.0,14.9,BND:33.8%;VTI:30.4%;GLD:35.7%,US:72.5;EU:13.8;APAC:8.2;EM:3.8;Other:1.7,Value:+0.2;Growth:+0.5;Quality:-0.7;Size:-0.1;Momentum:+0.3;LowVol:+0.8,ESGOnly;NoMargin,5,30,3.0,hard 10%,132,16.5,Sideways,15.5,3.53,3.1,114,51,84,32,false,Buy,Add to core equity +1%,34,6,BrokerD,MKT,93,None,None,Normal monitoring,61,-23,120,5,false,Tax-aware sells next window
P6360,Active,Roth,USD,2025-11-15,1929982,135881,1794101,1.0,64.7,26.5,3.3,5.5,MUB:26.1%;GLD:26.1%;VNQ:26.1%;TLT:21.7%,US:62.7;EU:11.8;APAC:13.7;EM:7.0;Other:4.8,Value:-0.1;Growth:-0.5;Quality:+0.7;Size:+0.7;Momentum:+0.7;LowVol:+0.3,NoDerivatives,7,30,4.6,trailing 9%,224,19.7,Volatile,25.8,4.75,3.9,113,62,94,72,true,Reduce,"Cut high-beta by 2-3%, add cash",-11,4,BrokerB,MKT,97,Drift>tolerance,Hedge,Allocation drift beyond policy bands,28,-2,42,4,false,Within IPS guidelines
P6361,Cautious,Taxable,USD,2024-10-12,210880,28904,181976,1.0,50.2,35.1,4.2,10.5,BND:25.0%;MUB:25.0%;VOO:25.0%;BRK.B:25.0%,US:68.8;EU:10.6;APAC:8.4;EM:10.4;Other:1.8,Value:+0.9;Growth:-1.0;Quality:-0.4;Size:+0.4;Momentum:-0.9;LowVol:-0.1,ESGOnly;NoDerivatives;NoMargin,7,30,3.8,hard 10%,99,12.4,Sideways,19.7,3.67,2.4,128,-22,53,52,false,Hedge,Add TLT +1% as duration hedge,-1,9,BrokerD,MKT,88,None,None,Normal monitoring,84,19,139,3,false,Tax-aware sells next window
P6362,Active,Taxable,USD,2025-01-10,2099984,160800,1939184,1.0,63.8,29.0,0.0,7.2,BRK.B:16.7%;AMZN:21.3%;MUB:19.2%;TSLA:21.3%;XLF:21.3%,US:65.8;EU:11.4;APAC:15.0;EM:4.8;Other:3.0,Value:+0.4;Growth:-0.7;Quality:+0.4;Size:-0.5;Momentum:-0.3;LowVol:-0.6,,10,35,4.8,trailing 8%,186,25.1,Bear,33.7,3.41,1.7,208,-20,41,88,true,Hedge,Buy index puts 1% notional,-9,13,BrokerB,LMT,88,Drift>tolerance,Reduce,Allocation drift beyond policy bands,22,-6,127,3,false,Tighten stops on momentum names
P6363,Systematic,Roth,USD,2025-12-23,1472493,75969,1396524,1.0,55.6,34.8,4.2,5.4,TLT:25.0%;AMZN:25.0%;HYG:25.0%;BRK.B:25.0%,US:63.4;EU:8.8;APAC:15.3;EM:10.9;Other:1.6,Value:-0.1;Growth:-0.3;Quality:-0.9;Size:0.0;Momentum:+0.5;LowVol:-0.5,NoDerivatives,10,35,5.4,trailing 8%,133,24.6,Volatile,30.6,4.73,2.3,142,71,94,83,true,Hedge,Buy index puts 1% notional,-8,-33,BrokerD,MKT,94,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-16,17,50,3,false,Monitor dispersion and breadth
P6364,Opportunistic,Taxable,USD,2025-02-17,1424405,64822,1359583,1.0,62.9,12.8,17.2,7.1,VNQ:25.8%;AAPL:26.4%;TSLA:21.4%;VOO:26.4%,US:66.4;EU:10.7;APAC:9.0;EM:9.4;Other:4.5,Value:+0.3;Growth:+0.4;Quality:-0.4;Size:-0.3;Momentum:-0.9;LowVol:+0.2,MaxPos5%,8,30,4.8,trailing 7%,249,21.5,Volatile,21.0,5.21,4.5,122,44,83,55,false,Buy,Add to core equity +1%,13,-9,BrokerB,LMT,98,None,None,Normal monitoring,58,4,71,5,false,Tax-aware sells next window
P6365,Opportunistic,IRA,USD,2025-04-07,1494601,65227,1429374,1.07,63.1,19.4,9.3,8.3,VNQ:33.3%;TLT:33.3%;HYG:33.3%,US:61.4;EU:11.0;APAC:16.2;EM:5.9;Other:5.5,Value:-0.7;Growth:-0.4;Quality:0.0;Size:-0.6;Momentum:-0.5;LowVol:+0.5,,8,30,5.8,trailing 7%,196,29.7,Sideways,14.7,3.81,3.1,121,-14,44,39,false,NoAction,Within bands; monitor,9,-13,BrokerC,MKT,0,None,None,Normal monitoring,91,-32,137,4,false,Tax-aware sells next window
P6366,Opportunistic,Roth,USD,2025-08-04,764597,26203,738394,1.07,62.1,11.1,19.4,7.4,TSLA:27.3%;GLD:27.3%;QQQ:18.1%;BND:27.3%,US:73.2;EU:7.7;APAC:5.9;EM:11.3;Other:1.9,Value:-0.0;Growth:+0.4;Quality:+0.1;Size:+0.5;Momentum:-0.9;LowVol:-0.1,,5,25,4.2,hard 12%,212,26.5,Bull,12.0,3.93,2.0,83,50,66,35,true,Reduce,"Cut high-beta by 2-3%, add cash",30,-15,BrokerD,MKT,99,Drift>tolerance,Pause,Allocation drift beyond policy bands,50,-14,125,5,false,Monitor dispersion and breadth
P6367,Opportunistic,Trust,USD,2024-11-22,721178,47366,673812,1.0,66.8,16.5,8.3,8.4,TLT:20.4%;IEF:8.8%;AAPL:20.0%;BRK.B:12.8%;VNQ:17.7%;XLF:20.4%,US:63.9;EU:6.9;APAC:16.2;EM:11.6;Other:1.4,Value:+0.6;Growth:-0.8;Quality:-0.5;Size:-0.2;Momentum:+0.8;LowVol:+0.8,,7,25,4.1,hard 12%,246,34.3,Bull,16.4,4.59,3.4,87,80,84,61,false,Sell,Trim extended winner -1%,31,-22,BrokerB,LMT,100,None,None,Normal monitoring,-52,-42,73,3,false,Within IPS guidelines
P6368,Cautious,IRA,USD,2024-08-23,645650,90497,555153,1.0,46.3,36.7,5.2,11.8,TLT:25.0%;IEF:25.0%;VOO:25.0%;VTI:25.0%,US:64.0;EU:14.3;APAC:12.7;EM:9.0;Other:0.0,Value:+0.2;Growth:-0.9;Quality:+0.1;Size:-0.7;Momentum:+0.9;LowVol:-0.7,NoDerivatives;NoMargin,6,25,3.3,trailing 8%,114,14.5,Sideways,16.8,4.9,2.9,121,-18,38,48,false,Buy,Add to core equity +1%,-10,-2,BrokerD,MKT,91,None,None,Normal monitoring,59,-59,116,3,false,Tighten stops on momentum names
P6369,Cautious,Trust,USD,2025-04-23,690089,105857,584232,1.0,38.5,39.4,4.1,17.9,AAPL:18.8%;AMZN:27.1%;BRK.B:27.1%;VTI:27.1%,US:70.4;EU:15.5;APAC:9.3;EM:3.2;Other:1.6,Value:-0.3;Growth:-1.0;Quality:-0.6;Size:+0.6;Momentum:+1.0;LowVol:-1.0,NoMargin,6,30,3.2,trailing 8%,165,17.3,Bull,12.2,4.78,3.1,89,25,52,37,false,Sell,Trim extended winner -1%,5,9,BrokerB,LMT,87,None,None,Normal monitoring,103,4,232,4,false,Tax-aware sells next window
P6370,Hands-off,401k,USD,2025-07-20,593912,34338,559574,1.0,59.9,21.7,10.5,7.8,MUB:28.9%;VOO:27.2%;QQQ:15.0%;MSFT:28.9%,US:73.1;EU:8.5;APAC:7.4;EM:6.2;Other:4.8,Value:-0.3;Growth:-0.5;Quality:-0.6;Size:-0.9;Momentum:+0.6;LowVol:-0.7,NoDerivatives,8,30,5.5,trailing 10%,148,14.9,Volatile,24.8,5.5,2.2,171,-41,44,55,false,Rebalance,Shift +1% to bonds from equity,33,-7,BrokerA,VWAP,95,None,None,Normal monitoring,62,9,194,5,false,Increase defensive factor exposure
P6371,Hands-off,Taxable,USD,2024-07-18,855895,59813,796082,1.0,55.7,20.1,14.6,9.6,VNQ:33.3%;MUB:33.3%;GLD:33.3%,US:60.9;EU:19.0;APAC:8.8;EM:9.8;Other:1.4,Value:+1.0;Growth:-0.9;Quality:+0.2;Size:-0.5;Momentum:-0.2;LowVol:+0.4,,5,35,5.2,hard 10%,144,15.4,Sideways,18.7,4.84,3.3,99,16,46,46,false,Rebalance,Shift +1% to bonds from equity,21,-40,BrokerD,LMT,86,None,None,Normal monitoring,42,-42,135,3,false,Tax-aware sells next window
P6372,Opportunistic,401k,USD,2024-10-30,1178979,66538,1112441,1.0,64.1,14.5,14.3,7.1,TSLA:19.7%;HYG:16.8%;MUB:31.7%;GLD:31.7%,US:79.6;EU:5.7;APAC:7.7;EM:4.6;Other:2.3,Value:-0.8;Growth:+1.0;Quality:+0.9;Size:+0.9;Momentum:-0.5;LowVol:+0.8,MaxPos7%,5,30,4.0,trailing 9%,177,34.6,Volatile,23.6,5.43,2.4,143,48,78,60,false,Buy,Add to core equity +1%,7,-16,BrokerA,MKT,92,None,None,Normal monitoring,38,-7,33,4,false,Within IPS guidelines
P6373,Opportunistic,IRA,USD,2025-03-20,830274,43201,787073,1.0,75.4,18.9,0.0,5.7,MSFT:25.0%;VNQ:25.0%;TLT:24.9%;TSLA:25.0%,US:64.5;EU:18.5;APAC:9.1;EM:4.6;Other:3.3,Value:-0.5;Growth:+0.7;Quality:+0.8;Size:-0.8;Momentum:-0.5;LowVol:-0.2,,5,35,5.9,trailing 9%,204,34.4,Bull,11.1,3.91,3.4,107,13,71,43,false,Rebalance,Shift +1% to bonds from equity,-7,-27,BrokerC,VWAP,92,None,None,Normal monitoring,4,4,42,5,false,Within IPS guidelines
P6374,Cautious,Taxable,USD,2025-08-01,676081,86140,589941,1.0,46.5,37.0,2.1,14.4,AAPL:21.4%;HYG:20.6%;QQQ:21.4%;VOO:15.1%;BRK.B:21.4%,US:62.8;EU:17.7;APAC:12.6;EM:4.8;Other:2.1,Value:-0.4;Growth:-0.0;Quality:+0.9;Size:-1.0;Momentum:+0.9;LowVol:-1.0,MaxPos6%;NoMargin,8,35,5.5,hard 10%,100,14.5,Bear,22.7,3.28,1.3,180,-54,13,54,false,NoAction,Within bands; monitor,35,-29,BrokerC,MKT,0,None,None,Normal monitoring,107,9,165,4,false,Tighten stops on momentum names
P6375,Systematic,IRA,USD,2025-06-11,1045352,104133,941219,1.0,56.0,27.5,8.1,8.4,GLD:14.1%;HYG:18.0%;IEF:14.1%;VNQ:19.0%;VTI:14.7%;XLF:20.1%,US:65.9;EU:16.0;APAC:11.0;EM:3.9;Other:3.2,Value:+0.7;Growth:-0.0;Quality:-0.5;Size:-0.0;Momentum:+0.7;LowVol:-0.6,,7,25,5.5,trailing 8%,192,21.4,Volatile,23.0,4.5,4.0,153,24,65,67,false,Rebalance,Shift +1% to bonds from equity,33,-14,BrokerA,MKT,94,None,None,Normal monitoring,-51,-30,9,4,false,Tighten stops on momentum names
P6376,Cautious,401k,USD,2025-05-22,337198,40958,296240,1.0,49.7,33.7,0.0,16.6,VOO:16.3%;MUB:13.9%;QQQ:18.3%;BND:8.4%;BRK.B:21.5%;XLF:21.5%,US:66.6;EU:18.2;APAC:10.0;EM:4.2;Other:1.0,Value:0.0;Growth:-0.1;Quality:+0.3;Size:-0.1;Momentum:-0.9;LowVol:+0.3,NoMargin,6,30,5.4,trailing 8%,126,16.1,Sideways,21.4,4.29,2.7,91,-24,46,56,false,Sell,Trim extended winner -1%,15,-11,BrokerD,MKT,88,None,None,Normal monitoring,11,-41,37,5,false,Monitor dispersion and breadth
P6377,Systematic,Roth,USD,2024-09-16,1652207,140080,1512127,1.0,56.1,28.0,10.8,5.1,GLD:16.6%;MUB:23.4%;AAPL:13.1%;QQQ:23.4%;TSLA:23.4%,US:69.5;EU:9.4;APAC:9.6;EM:10.3;Other:1.2,Value:+0.9;Growth:-0.7;Quality:-0.9;Size:-0.1;Momentum:+0.6;LowVol:+0.6,MaxPos7%;NoDerivatives,5,35,4.9,trailing 8%,155,25.7,Volatile,22.4,4.55,4.4,112,11,61,68,true,Reduce,"Cut high-beta by 2-3%, add cash",-8,-14,BrokerA,MKT,90,Drift>tolerance,Reduce,Allocation drift beyond policy bands,77,10,108,3,false,Increase defensive factor exposure
P6378,Hands-off,Roth,USD,2025-01-25,171397,12888,158509,1.0,65.9,28.3,0.0,5.8,TSLA:33.3%;VOO:33.3%;VNQ:33.3%,US:58.5;EU:21.3;APAC:12.4;EM:7.9;Other:0.0,Value:+0.6;Growth:-0.0;Quality:+0.7;Size:+1.0;Momentum:+0.7;LowVol:+0.5,MaxPos6%,8,35,4.7,trailing 8%,149,16.4,Volatile,20.1,4.59,3.1,122,-10,59,56,false,Sell,Trim extended winner -1%,35,-9,BrokerC,MKT,88,None,None,Normal monitoring,86,-40,184,3,false,Within IPS guidelines
P6379,Hands-off,Roth,USD,2024-10-23,805625,35779,769846,1.0,65.3,28.6,0.0,6.2,VNQ:33.0%;MSFT:33.5%;TSLA:33.5%,US:65.0;EU:13.6;APAC:13.0;EM:7.3;Other:1.1,Value:+0.1;Growth:-0.8;Quality:-0.7;Size:-0.7;Momentum:-0.1;LowVol:-0.9,ESGOnly,10,35,5.3,hard 10%,132,14.0,Bear,31.3,4.32,2.9,212,-32,35,80,true,Hedge,Buy index puts 1% notional,-3,7,BrokerC,LMT,86,VAR>budget,Hedge,Risk above budget threshold,90,-43,60,2,false,Tighten stops on momentum names
P6380,Active,Roth,USD,2024-11-19,531807,53305,478502,1.24,53.4,22.8,17.2,6.5,TLT:25.8%;XLF:25.8%;VOO:25.8%;GLD:22.7%,US:70.3;EU:6.6;APAC:12.3;EM:6.5;Other:4.3,Value:-0.1;Growth:+0.1;Quality:+0.3;Size:0.0;Momentum:-0.3;LowVol:-0.0,,8,35,4.7,trailing 9%,161,24.4,Bull,12.3,4.16,3.4,73,34,57,40,false,NoAction,Within bands; monitor,27,0,BrokerB,LMT,93,None,None,Normal monitoring,100,-7,235,5,false,Tax-aware sells next window
P6381,Hands-off,401k,USD,2024-11-28,694091,48647,645444,1.0,59.5,17.0,15.9,7.6,MSFT:21.9%;IEF:21.9%;XLF:15.2%;QQQ:19.1%;AAPL:21.9%,US:71.2;EU:10.6;APAC:8.4;EM:8.5;Other:1.3,Value:-0.4;Growth:-0.1;Quality:+0.6;Size:+0.1;Momentum:+0.1;LowVol:+0.9,ESGOnly;NoDerivatives,7,35,3.9,hard 10%,104,12.2,Bull,15.5,4.81,2.1,75,94,92,48,false,Sell,Trim extended winner -1%,13,-7,BrokerC,LMT,96,None,None,Normal monitoring,118,-56,198,3,false,Increase defensive factor exposure
P6382,Systematic,Trust,USD,2024-10-09,1989419,189890,1799529,1.0,55.7,27.4,8.7,8.2,IEF:25.2%;TLT:25.2%;QQQ:25.2%;MUB:24.5%,US:62.3;EU:13.5;APAC:10.3;EM:9.8;Other:4.1,Value:+0.2;Growth:+0.1;Quality:+0.6;Size:+0.9;Momentum:+0.3;LowVol:-0.8,MaxPos8%;NoDerivatives,10,35,5.4,trailing 8%,223,20.0,Bull,12.5,4.05,2.2,104,51,70,40,false,Rebalance,Shift +1% to bonds from equity,34,7,BrokerB,MKT,92,None,None,Normal monitoring,89,16,175,5,false,Tighten stops on momentum names
P6383,Active,Trust,USD,2025-08-26,1727398,145610,1581788,1.0,65.7,24.2,1.2,8.8,MSFT:23.3%;XLF:23.3%;GLD:12.1%;BRK.B:18.1%;VOO:23.3%,US:71.7;EU:11.2;APAC:6.3;EM:7.5;Other:3.3,Value:+0.9;Growth:+0.6;Quality:-0.7;Size:+0.6;Momentum:+0.8;LowVol:+0.3,MaxPos5%;NoDerivatives,5,35,5.6,hard 12%,228,20.3,Bear,33.0,3.76,1.2,150,-71,18,76,true,Hedge,Buy index puts 1% notional,2,-33,BrokerD,MKT,93,VAR>budget,Hedge,Risk above budget threshold,49,-54,58,5,false,Monitor dispersion and breadth
P6384,Systematic,IRA,USD,2025-04-25,956489,56402,900087,1.0,65.0,27.4,0.0,7.7,IEF:11.8%;XLF:18.6%;BRK.B:20.4%;HYG:9.8%;VNQ:19.0%;TSLA:20.4%,US:59.5;EU:17.9;APAC:12.7;EM:5.6;Other:4.3,Value:-0.4;Growth:-0.1;Quality:-0.4;Size:+0.5;Momentum:+0.9;LowVol:+1.0,MaxPos7%,10,25,4.2,trailing 9%,156,17.6,Bear,28.5,4.29,1.0,205,-47,36,78,true,Hedge,Buy index puts 1% notional,-13,-31,BrokerA,LMT,92,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,99,-22,228,2,false,Monitor dispersion and breadth
P6385,Hands-off,IRA,USD,2024-10-14,618616,27582,591034,1.0,62.7,17.7,12.6,7.0,BND:33.3%;MSFT:33.3%;AMZN:33.3%,US:76.2;EU:10.5;APAC:8.1;EM:4.9;Other:0.2,Value:+0.7;Growth:-0.1;Quality:+0.9;Size:+0.1;Momentum:+0.8;LowVol:-0.1,MaxPos8%;NoDerivatives,5,30,5.6,trailing 10%,124,15.2,Bull,15.6,3.55,2.7,117,85,91,52,false,Rebalance,Shift +1% to bonds from equity,27,9,BrokerA,LMT,85,None,None,Normal monitoring,69,-50,134,5,false,Tighten stops on momentum names
P6386,Hands-off,Taxable,USD,2025-05-20,815057,49241,765816,1.0,73.5,16.7,4.8,5.0,GLD:27.1%;QQQ:27.1%;TLT:27.1%;MSFT:18.8%,US:73.8;EU:6.6;APAC:5.7;EM:12.4;Other:1.4,Value:-0.0;Growth:+0.5;Quality:-0.3;Size:+0.2;Momentum:+0.4;LowVol:+0.7,ESGOnly;MaxPos8%,6,25,3.6,hard 10%,105,19.3,Bull,11.2,4.64,3.3,72,29,50,51,false,Hedge,Add TLT +1% as duration hedge,16,6,BrokerD,VWAP,98,None,None,Normal monitoring,113,5,83,3,false,Increase defensive factor exposure
P6387,Active,Roth,USD,2025-08-19,1343626,135461,1208165,1.0,64.3,26.5,2.7,6.5,GLD:22.2%;BND:25.9%;AAPL:25.9%;TLT:25.9%,US:69.6;EU:9.2;APAC:14.1;EM:4.5;Other:2.6,Value:+0.6;Growth:-0.4;Quality:-1.0;Size:-0.4;Momentum:+0.5;LowVol:-0.0,NoDerivatives,6,25,4.6,trailing 9%,178,21.4,Bull,17.8,3.77,2.7,77,47,78,53,false,Hedge,Add TLT +1% as duration hedge,14,-16,BrokerA,MKT,89,None,None,Normal monitoring,-58,-39,-63,3,false,Tax-aware sells next window
P6388,Hands-off,IRA,USD,2024-11-12,628452,41760,586692,1.0,72.9,17.6,0.0,9.6,VTI:23.3%;XLF:23.6%;QQQ:23.6%;VOO:19.5%;MUB:9.9%,US:66.1;EU:15.2;APAC:9.9;EM:4.3;Other:4.5,Value:+0.4;Growth:+0.2;Quality:-1.0;Size:+0.2;Momentum:-1.0;LowVol:-0.4,ESGOnly;NoDerivatives,7,30,5.9,trailing 10%,147,18.2,Sideways,15.2,4.2,2.9,115,-5,32,62,false,Hedge,Add TLT +1% as duration hedge,9,3,BrokerB,MKT,86,None,None,Normal monitoring,36,-16,67,5,false,Monitor dispersion and breadth
P6389,Active,IRA,USD,2025-09-04,809361,88324,721037,1.0,60.0,19.6,13.1,7.4,VTI:22.3%;AAPL:22.3%;HYG:13.2%;TSLA:22.3%;MUB:19.9%,US:69.1;EU:16.3;APAC:5.2;EM:7.0;Other:2.5,Value:-0.9;Growth:+0.2;Quality:-0.0;Size:+0.9;Momentum:-0.1;LowVol:-0.7,MaxPos7%,6,35,5.0,trailing 8%,187,17.4,Volatile,26.3,5.1,2.5,164,-33,36,77,true,Reduce,"Cut high-beta by 2-3%, add cash",7,1,BrokerC,LMT,90,Drift>tolerance,Hedge,Allocation drift beyond policy bands,14,-10,33,5,false,Increase defensive factor exposure
P6390,Cautious,401k,USD,2025-07-11,804328,76761,727567,1.0,44.1,39.4,1.9,14.6,AAPL:33.3%;AMZN:33.3%;TSLA:33.3%,US:68.4;EU:5.6;APAC:15.9;EM:6.2;Other:3.9,Value:+0.8;Growth:+0.5;Quality:-0.7;Size:-0.1;Momentum:+0.1;LowVol:+0.2,ESGOnly;MaxPos7%;NoMargin,10,30,3.7,trailing 8%,102,16.0,Volatile,31.8,4.67,2.6,122,38,64,60,false,Hedge,Add TLT +1% as duration hedge,-7,-11,BrokerC,MKT,93,None,None,Normal monitoring,13,-31,-10,5,false,Monitor dispersion and breadth
P6391,Hands-off,Taxable,USD,2025-11-14,401601,19995,381606,1.0,61.7,20.9,11.4,6.0,AAPL:17.2%;BRK.B:16.9%;IEF:14.1%;BND:20.8%;TLT:16.0%;VOO:15.1%,US:71.9;EU:13.6;APAC:8.1;EM:3.3;Other:3.1,Value:+0.3;Growth:-0.9;Quality:+0.2;Size:-0.7;Momentum:+0.3;LowVol:+0.8,,10,30,4.1,trailing 8%,159,18.9,Volatile,28.8,5.16,3.9,144,54,79,83,true,Rebalance,Rebalance back to target bands,-1,4,BrokerD,MKT,92,Drift>tolerance,Reduce,Allocation drift beyond policy bands,107,7,69,5,false,Increase defensive factor exposure
P6392,Active,Trust,USD,2025-08-15,2131300,189745,1941555,1.0,54.8,20.1,19.8,5.3,MSFT:20.6%;VTI:20.6%;TLT:11.2%;BRK.B:11.8%;MUB:20.6%;BND:15.1%,US:65.3;EU:12.5;APAC:9.6;EM:9.0;Other:3.7,Value:+0.5;Growth:-0.5;Quality:+0.2;Size:-0.4;Momentum:-0.9;LowVol:+0.5,,8,30,4.5,trailing 9%,164,19.4,Volatile,24.5,4.53,3.7,170,42,82,63,false,Hedge,Add TLT +1% as duration hedge,11,-25,BrokerD,MKT,85,None,None,Normal monitoring,12,-34,133,5,false,Tax-aware sells next window
P6393,Opportunistic,Roth,USD,2025-10-23,1322815,52095,1270720,1.25,73.7,18.1,0.0,8.3,TLT:28.6%;VNQ:28.6%;MSFT:14.2%;GLD:28.6%,US:71.4;EU:10.5;APAC:7.6;EM:10.2;Other:0.2,Value:-0.1;Growth:+0.5;Quality:-0.6;Size:+0.1;Momentum:-0.7;LowVol:+0.5,,8,35,7.0,hard 12%,212,33.5,Bull,11.1,4.44,3.0,114,16,46,38,false,Buy,Add to core equity +1%,-9,15,BrokerB,LMT,87,None,None,Normal monitoring,60,-23,187,4,false,Increase defensive factor exposure
P6394,Active,Trust,USD,2025-10-23,1818369,171292,1647077,1.0,64.9,24.2,2.3,8.6,BRK.B:24.0%;MSFT:24.0%;IEF:23.1%;MUB:16.8%;VTI:12.2%,US:62.3;EU:15.0;APAC:10.0;EM:7.5;Other:5.1,Value:+0.6;Growth:-0.4;Quality:-0.7;Size:+0.1;Momentum:+0.7;LowVol:+0.6,NoDerivatives,7,30,5.9,hard 12%,193,22.2,Sideways,16.5,4.32,2.8,137,5,59,51,false,Rebalance,Shift +1% to bonds from equity,29,-29,BrokerB,MKT,86,None,None,Normal monitoring,17,-35,9,5,false,Tighten stops on momentum names
P6395,Active,Taxable,USD,2024-11-25,1479989,153968,1326021,1.0,63.4,29.2,0.0,7.4,TSLA:20.8%;MSFT:18.5%;HYG:13.7%;AAPL:20.8%;AMZN:20.8%;VTI:5.4%,US:69.7;EU:7.4;APAC:14.4;EM:7.9;Other:0.5,Value:+1.0;Growth:-0.1;Quality:+0.8;Size:+0.1;Momentum:-0.3;LowVol:0.0,NoDerivatives,10,35,5.2,trailing 8%,181,25.7,Volatile,27.4,4.06,3.3,171,8,68,67,false,Hedge,Add TLT +1% as duration hedge,-14,9,BrokerD,MKT,91,None,None,Normal monitoring,15,-24,32,4,false,Monitor dispersion and breadth
P6396,Cautious,Roth,USD,2025-06-15,821641,65955,755686,1.0,36.7,43.9,2.4,17.0,TSLA:13.9%;BRK.B:28.7%;XLF:28.7%;HYG:28.7%,US:72.0;EU:8.2;APAC:9.8;EM:9.5;Other:0.5,Value:+0.9;Growth:-0.2;Quality:-0.2;Size:+0.7;Momentum:+0.9;LowVol:-0.5,NoDerivatives;NoMargin,8,35,3.1,trailing 10%,150,19.8,Bear,24.0,3.38,1.6,159,-83,5,45,false,Hedge,Add TLT +1% as duration hedge,-11,-21,BrokerC,MKT,99,None,None,Normal monitoring,107,20,242,5,false,Tighten stops on momentum names
P6397,Hands-off,Trust,USD,2025-12-19,207371,13159,194212,1.0,56.6,27.2,10.4,5.8,VTI:25.6%;BRK.B:25.6%;MSFT:23.2%;TSLA:25.6%,US:60.8;EU:14.1;APAC:12.9;EM:10.8;Other:1.4,Value:+0.6;Growth:+0.5;Quality:-0.2;Size:+0.4;Momentum:-0.5;LowVol:-0.3,ESGOnly,10,30,3.9,trailing 8%,120,14.3,Bull,11.2,3.8,2.6,72,69,82,30,false,Rebalance,Shift +1% to bonds from equity,-10,-4,BrokerB,MKT,88,None,None,Normal monitoring,30,-19,22,4,false,Tax-aware sells next window
P6398,Opportunistic,IRA,USD,2024-07-14,899741,64016,835725,1.19,74.0,20.4,1.0,4.6,HYG:23.7%;TSLA:14.3%;GLD:10.3%;AAPL:14.0%;XLF:23.5%;BRK.B:14.1%,US:67.7;EU:6.7;APAC:14.9;EM:7.8;Other:2.9,Value:+0.8;Growth:-0.1;Quality:-1.0;Size:-0.1;Momentum:+0.2;LowVol:+0.9,,5,35,4.6,hard 12%,200,20.4,Bull,15.9,3.74,3.4,82,43,80,64,false,Rebalance,Shift +1% to bonds from equity,35,-9,BrokerD,LMT,97,None,None,Normal monitoring,-55,-43,27,4,false,Within IPS guidelines
P6399,Active,Trust,USD,2025-02-07,1682023,177320,1504703,1.0,55.3,29.1,8.0,7.6,HYG:10.0%;VOO:9.2%;XLF:21.0%;TSLA:21.0%;AAPL:21.0%;VTI:17.9%,US:76.2;EU:5.8;APAC:6.4;EM:8.7;Other:2.9,Value:-0.6;Growth:-1.0;Quality:-0.9;Size:+0.6;Momentum:-0.3;LowVol:+0.4,,7,35,5.0,hard 12%,160,26.9,Sideways,14.4,3.59,3.0,108,-4,53,39,false,Rebalance,Shift +1% to bonds from equity,2,2,BrokerA,LMT,94,None,None,Normal monitoring,-1,8,-4,5,false,Tax-aware sells next window
P6400,Hands-off,IRA,USD,2025-12-11,880047,53134,826913,1.0,63.9,21.7,7.8,6.6,BRK.B:7.6%;AAPL:21.9%;VOO:9.1%;MSFT:19.0%;BND:21.9%;AMZN:20.5%,US:71.6;EU:8.7;APAC:6.7;EM:10.1;Other:3.0,Value:-0.0;Growth:-0.2;Quality:-0.6;Size:+0.1;Momentum:-0.6;LowVol:+0.3,MaxPos8%;NoDerivatives,5,35,4.4,hard 10%,127,16.8,Bull,16.6,4.77,3.3,94,116,100,60,false,Buy,Add to core equity +1%,-15,-26,BrokerD,MKT,97,None,None,Normal monitoring,38,-38,112,4,false,Tax-aware sells next window
P6401,Systematic,Taxable,USD,2024-10-15,523046,24776,498270,1.0,62.8,30.0,0.0,7.2,HYG:26.3%;VTI:26.3%;VOO:21.0%;QQQ:26.3%,US:66.4;EU:17.3;APAC:9.4;EM:3.7;Other:3.1,Value:+0.8;Growth:-0.1;Quality:0.0;Size:-1.0;Momentum:-0.5;LowVol:+0.7,MaxPos7%;NoDerivatives,10,25,5.4,trailing 8%,138,16.7,Bear,31.4,3.93,2.0,169,-111,5,84,true,Hedge,Buy index puts 1% notional,-3,-3,BrokerB,VWAP,92,Drift>tolerance,Pause,Allocation drift beyond policy bands,-52,-30,61,3,false,Tax-aware sells next window
P6402,Cautious,IRA,USD,2025-10-09,368531,55431,313100,1.0,40.4,43.2,0.0,16.5,AMZN:28.0%;QQQ:28.0%;MUB:28.0%;MSFT:16.0%,US:70.7;EU:14.2;APAC:9.0;EM:4.9;Other:1.1,Value:-0.6;Growth:+0.6;Quality:+0.9;Size:+0.2;Momentum:+0.7;LowVol:+1.0,ESGOnly;MaxPos8%;NoMargin,5,30,3.6,trailing 8%,155,15.3,Volatile,27.4,3.67,3.0,124,13,63,69,false,Hedge,Add TLT +1% as duration hedge,-8,-27,BrokerA,MKT,88,None,None,Normal monitoring,-3,-7,20,5,false,Tax-aware sells next window
P6403,Opportunistic,Roth,USD,2024-09-16,1159496,41189,1118307,1.0,66.3,14.0,15.0,4.7,IEF:14.1%;MSFT:20.7%;AMZN:17.6%;AAPL:23.8%;TLT:23.8%,US:67.6;EU:16.1;APAC:9.0;EM:5.4;Other:1.8,Value:-0.7;Growth:-0.2;Quality:+0.4;Size:-0.4;Momentum:+0.1;LowVol:-1.0,MaxPos6%,8,35,6.4,hard 12%,215,28.7,Volatile,22.9,4.4,3.8,159,74,98,60,false,Sell,Trim extended winner -1%,29,-33,BrokerD,VWAP,100,None,None,Normal monitoring,69,-56,124,5,false,Monitor dispersion and breadth
P6404,Hands-off,Trust,USD,2024-10-19,604189,39534,564655,1.0,61.8,29.7,2.3,6.1,GLD:31.7%;MUB:34.1%;XLF:34.1%,US:60.0;EU:11.5;APAC:14.9;EM:11.1;Other:2.5,Value:0.0;Growth:-0.9;Quality:-0.6;Size:-0.6;Momentum:+1.0;LowVol:+1.0,MaxPos6%,7,25,5.7,trailing 8%,98,19.9,Bear,22.6,4.14,1.0,159,-83,15,64,false,Buy,Add to core equity +1%,14,-17,BrokerB,MKT,96,None,None,Normal monitoring,116,-52,255,4,false,Increase defensive factor exposure
P6405,Opportunistic,Trust,USD,2025-05-22,1269059,48718,1220341,1.0,62.8,17.7,15.1,4.4,QQQ:33.3%;VTI:33.3%;TSLA:33.3%,US:58.3;EU:17.3;APAC:15.7;EM:4.3;Other:4.4,Value:0.0;Growth:-0.9;Quality:-0.4;Size:-0.8;Momentum:-0.7;LowVol:+0.5,,10,25,4.8,hard 12%,168,33.7,Bull,15.8,3.86,2.5,80,25,51,57,false,Sell,Trim extended winner -1%,34,6,BrokerB,VWAP,98,None,None,Normal monitoring,-57,-5,-31,3,false,Within IPS guidelines
P6406,Opportunistic,Trust,USD,2024-12-17,1384391,58563,1325828,1.23,63.4,11.0,20.1,5.5,XLF:33.5%;BRK.B:33.5%;AAPL:33.1%,US:65.5;EU:17.5;APAC:10.2;EM:3.4;Other:3.4,Value:-0.8;Growth:+0.6;Quality:+0.4;Size:+0.7;Momentum:+0.5;LowVol:-0.3,,7,35,4.2,trailing 9%,198,22.5,Sideways,14.3,3.67,2.7,135,51,66,47,false,NoAction,Within bands; monitor,-12,6,BrokerD,MKT,0,None,None,Normal monitoring,-43,-5,75,4,false,Increase defensive factor exposure
P6407,Hands-off,401k,USD,2024-12-26,791308,43397,747911,1.0,67.6,25.0,0.1,7.3,GLD:22.1%;MUB:22.1%;HYG:22.1%;VNQ:15.6%;BRK.B:18.2%,US:70.8;EU:14.7;APAC:7.6;EM:6.2;Other:0.7,Value:-0.9;Growth:+0.3;Quality:-0.6;Size:-0.4;Momentum:+0.6;LowVol:+0.8,MaxPos6%;NoDerivatives,8,35,3.1,hard 10%,134,12.4,Sideways,19.0,3.77,2.1,100,37,59,53,false,Hedge,Add TLT +1% as duration hedge,3,-36,BrokerA,LMT,87,None,None,Normal monitoring,-3,-11,112,3,false,Tighten stops on momentum names
P6408,Opportunistic,401k,USD,2025-06-11,352693,13837,338856,1.0,61.4,11.9,18.8,7.9,QQQ:33.3%;AAPL:33.3%;VNQ:33.3%,US:68.0;EU:9.0;APAC:13.1;EM:9.2;Other:0.7,Value:+0.3;Growth:-0.5;Quality:0.0;Size:+0.4;Momentum:+0.4;LowVol:-0.9,MaxPos7%;NoDerivatives,5,30,7.0,hard 12%,243,20.1,Bull,14.1,4.06,2.7,80,28,58,47,false,Sell,Trim extended winner -1%,23,-35,BrokerD,MKT,94,None,None,Normal monitoring,-12,-31,110,5,false,Monitor dispersion and breadth
P6409,Hands-off,401k,USD,2024-09-16,397734,21943,375791,1.0,69.6,21.3,0.0,9.1,GLD:23.2%;AAPL:23.2%;IEF:23.2%;BRK.B:13.7%;VNQ:16.9%,US:71.0;EU:12.0;APAC:12.6;EM:4.3;Other:0.1,Value:-0.6;Growth:-0.4;Quality:-0.3;Size:-0.1;Momentum:-0.7;LowVol:-0.4,NoDerivatives,8,25,4.4,hard 10%,128,15.3,Volatile,22.0,4.6,2.4,150,-18,56,71,true,Rebalance,Rebalance back to target bands,30,-36,BrokerC,MKT,90,VAR>budget,Hedge,Risk above budget threshold,46,20,99,3,false,Increase defensive factor exposure
P6410,Active,IRA,USD,2025-10-07,608642,62164,546478,1.08,58.4,31.5,1.6,8.5,VOO:21.7%;TSLA:21.7%;AAPL:19.4%;MUB:21.7%;VNQ:15.4%,US:72.5;EU:12.8;APAC:5.5;EM:5.5;Other:3.7,Value:-0.8;Growth:-0.7;Quality:-0.8;Size:-0.4;Momentum:+0.4;LowVol:+0.9,NoDerivatives,5,30,4.6,hard 12%,166,25.1,Volatile,25.7,4.41,3.6,172,41,58,56,false,Sell,Trim extended winner -1%,35,-22,BrokerA,VWAP,89,None,None,Normal monitoring,-49,2,-36,4,false,Tighten stops on momentum names
P6411,Cautious,Trust,USD,2025-07-27,317953,33572,284381,1.0,41.4,33.8,11.7,13.1,GLD:33.3%;IEF:33.3%;VTI:33.3%,US:66.3;EU:9.9;APAC:7.4;EM:11.2;Other:5.2,Value:-0.5;Growth:+0.8;Quality:-0.1;Size:+0.1;Momentum:-0.5;LowVol:+0.8,NoMargin,7,25,6.0,trailing 8%,113,17.6,Volatile,30.5,4.55,3.1,134,-49,40,73,true,Reduce,"Cut high-beta by 2-3%, add cash",11,-10,BrokerD,VWAP,93,Drift>tolerance,Reduce,Allocation drift beyond policy bands,75,16,96,5,false,Increase defensive factor exposure
P6412,Systematic,Trust,USD,2025-08-17,1965381,88363,1877018,1.0,62.8,25.6,2.5,9.1,TLT:33.3%;BND:33.3%;VTI:33.3%,US:75.2;EU:11.1;APAC:6.6;EM:4.2;Other:2.9,Value:-0.8;Growth:-0.9;Quality:+0.6;Size:+0.2;Momentum:+0.3;LowVol:-0.5,NoDerivatives,8,25,5.3,hard 12%,142,20.0,Volatile,20.5,4.89,3.0,130,41,82,56,false,Rebalance,Shift +1% to bonds from equity,-11,-37,BrokerC,MKT,95,None,None,Normal monitoring,-8,-26,95,5,false,Within IPS guidelines
P6413,Systematic,401k,USD,2024-07-09,482918,20187,462731,1.0,63.5,26.9,0.0,9.6,AAPL:16.4%;MUB:27.9%;VNQ:27.9%;MSFT:27.9%,US:61.4;EU:17.8;APAC:10.4;EM:10.0;Other:0.5,Value:0.0;Growth:+0.5;Quality:+0.4;Size:+0.5;Momentum:-0.9;LowVol:-0.9,MaxPos8%,6,30,4.2,trailing 8%,122,27.6,Volatile,23.5,5.13,3.3,113,75,100,62,false,Rebalance,Shift +1% to bonds from equity,-8,-15,BrokerC,LMT,99,None,None,Normal monitoring,113,-57,83,5,false,Tighten stops on momentum names
P6414,Active,Taxable,USD,2025-11-24,2202262,225752,1976510,1.0,63.7,24.2,6.8,5.3,MUB:21.4%;QQQ:21.3%;TLT:15.8%;MSFT:13.1%;IEF:13.4%;VOO:15.0%,US:62.8;EU:17.4;APAC:11.4;EM:8.0;Other:0.4,Value:-0.5;Growth:-0.4;Quality:+0.3;Size:+1.0;Momentum:-0.8;LowVol:-0.3,NoDerivatives,10,25,5.4,hard 12%,123,19.7,Bear,24.8,3.24,2.9,181,-50,34,72,true,Hedge,Buy index puts 1% notional,28,-39,BrokerB,MKT,99,RegimeShift,Hedge,Volatility spike and breadth deterioration,59,17,150,3,false,Within IPS guidelines
P6415,Cautious,IRA,USD,2025-04-21,716020,99249,616771,1.0,51.3,35.7,0.0,13.0,XLF:22.1%;AMZN:8.0%;MUB:21.0%;VOO:11.2%;QQQ:22.1%;IEF:15.8%,US:65.1;EU:16.4;APAC:8.7;EM:6.5;Other:3.3,Value:+0.7;Growth:-0.9;Quality:+0.9;Size:-0.3;Momentum:+0.8;LowVol:-0.7,NoMargin,6,30,4.6,trailing 8%,109,15.0,Volatile,27.4,4.48,2.8,124,48,82,62,false,Hedge,Add TLT +1% as duration hedge,21,-40,BrokerA,LMT,99,None,None,Normal monitoring,13,15,121,3,false,Within IPS guidelines
P6416,Cautious,Trust,USD,2024-08-21,358444,50442,308002,1.0,50.3,38.4,0.0,11.3,BND:24.2%;XLF:24.2%;QQQ:10.4%;VNQ:13.9%;VTI:15.9%;VOO:11.4%,US:70.2;EU:8.9;APAC:9.1;EM:7.3;Other:4.5,Value:+0.6;Growth:-0.1;Quality:-0.9;Size:-0.1;Momentum:+0.4;LowVol:+0.7,ESGOnly;NoMargin,5,30,5.7,trailing 8%,144,13.7,Sideways,14.6,4.13,3.0,125,27,49,43,false,Rebalance,Shift +1% to bonds from equity,-13,-30,BrokerD,LMT,92,None,None,Normal monitoring,27,-44,162,4,false,Tighten stops on momentum names
P6417,Hands-off,401k,USD,2025-10-02,721451,65075,656376,1.0,74.3,17.3,1.1,7.2,GLD:33.3%;MUB:33.3%;AMZN:33.3%,US:65.5;EU:13.0;APAC:14.7;EM:4.1;Other:2.7,Value:+0.5;Growth:+0.9;Quality:+1.0;Size:-0.9;Momentum:+0.2;LowVol:-0.6,ESGOnly,5,25,4.4,trailing 8%,139,16.4,Sideways,14.6,3.76,2.0,128,-7,50,48,false,Rebalance,Shift +1% to bonds from equity,21,-27,BrokerB,MKT,89,None,None,Normal monitoring,111,-38,187,3,false,Tighten stops on momentum names
P6418,Systematic,401k,USD,2025-10-11,542684,42626,500058,1.0,56.2,23.9,14.2,5.8,BND:33.3%;AMZN:33.3%;TSLA:33.3%,US:62.5;EU:17.8;APAC:15.9;EM:3.6;Other:0.1,Value:-0.5;Growth:-0.0;Quality:-0.5;Size:-0.9;Momentum:-0.1;LowVol:-0.4,MaxPos6%,8,25,5.1,trailing 9%,143,22.1,Volatile,27.4,4.83,3.1,137,31,59,72,true,Reduce,"Cut high-beta by 2-3%, add cash",7,-3,BrokerA,MKT,92,RegimeShift,Hedge,Volatility spike and breadth deterioration,44,-23,112,5,false,Monitor dispersion and breadth
P6419,Active,Trust,USD,2025-07-21,2451544,275672,2175872,1.0,53.4,18.5,19.3,8.8,MSFT:15.9%;TLT:22.5%;IEF:16.7%;VNQ:22.5%;MUB:22.5%,US:66.0;EU:11.0;APAC:15.4;EM:7.0;Other:0.6,Value:-1.0;Growth:+0.5;Quality:-0.1;Size:-0.9;Momentum:+0.8;LowVol:+0.5,,10,25,4.3,trailing 9%,225,18.1,Volatile,25.9,3.8,3.7,180,47,67,71,true,Hedge,Buy index puts 1% notional,32,-25,BrokerC,MKT,98,VAR>budget,Reduce,Risk above budget threshold,38,-14,157,2,true,Tax-aware sells next window
P6420,Active,Taxable,USD,2025-01-24,2198212,263497,1934715,1.0,60.3,28.2,4.1,7.3,TLT:33.3%;XLF:33.3%;MUB:33.3%,US:65.0;EU:14.8;APAC:10.1;EM:7.7;Other:2.4,Value:-0.8;Growth:+1.0;Quality:+0.7;Size:+0.3;Momentum:-1.0;LowVol:+0.7,MaxPos7%;NoDerivatives,5,25,4.7,trailing 8%,207,22.7,Volatile,25.9,5.26,4.3,160,37,75,75,true,Reduce,"Cut high-beta by 2-3%, add cash",-14,-5,BrokerC,LMT,89,RegimeShift,Hedge,Volatility spike and breadth deterioration,99,5,199,3,false,Within IPS guidelines
P6421,Cautious,IRA,USD,2025-12-10,399775,50113,349662,1.0,44.5,32.9,5.7,16.8,QQQ:33.3%;XLF:33.3%;MUB:33.3%,US:67.7;EU:10.5;APAC:12.5;EM:5.3;Other:3.9,Value:-0.1;Growth:+0.1;Quality:+0.4;Size:+0.3;Momentum:-0.9;LowVol:-0.4,ESGOnly;NoMargin,7,25,4.0,hard 10%,104,12.7,Volatile,21.5,4.36,2.6,150,12,69,41,false,Rebalance,Shift +1% to bonds from equity,32,5,BrokerA,MKT,90,None,None,Normal monitoring,-38,-15,-36,4,false,Tax-aware sells next window
P6422,Systematic,401k,USD,2025-01-30,1953404,105268,1848136,1.0,57.3,26.0,11.1,5.5,BRK.B:24.9%;VNQ:21.2%;VOO:11.8%;TLT:24.9%;IEF:17.3%,US:64.4;EU:14.9;APAC:12.7;EM:4.4;Other:3.6,Value:+0.2;Growth:-0.9;Quality:+0.2;Size:+0.2;Momentum:+0.9;LowVol:+0.9,NoDerivatives,5,30,4.3,trailing 8%,206,23.7,Volatile,29.0,3.68,2.8,153,42,79,72,true,Rebalance,Rebalance back to target bands,9,-38,BrokerA,MKT,93,Drift>tolerance,Hedge,Allocation drift beyond policy bands,66,-53,189,4,false,Monitor dispersion and breadth
P6423,Hands-off,Roth,USD,2024-11-14,235263,19739,215524,1.0,56.7,19.0,16.0,8.3,XLF:33.3%;VTI:33.3%;GLD:33.3%,US:63.2;EU:19.3;APAC:11.0;EM:4.3;Other:2.2,Value:-0.8;Growth:-0.6;Quality:-0.7;Size:+0.5;Momentum:-0.5;LowVol:+0.4,ESGOnly;MaxPos8%,8,35,5.0,hard 10%,141,17.2,Sideways,19.8,3.95,2.2,125,54,74,61,false,Rebalance,Shift +1% to bonds from equity,17,12,BrokerA,VWAP,97,None,None,Normal monitoring,106,-9,155,4,false,Monitor dispersion and breadth
P6424,Hands-off,Trust,USD,2025-05-15,405498,35547,369951,1.0,68.7,25.4,0.0,5.9,TLT:22.0%;BRK.B:20.7%;HYG:20.6%;MUB:13.2%;VTI:23.5%,US:77.5;EU:10.5;APAC:7.8;EM:3.8;Other:0.3,Value:-0.5;Growth:-0.6;Quality:+0.1;Size:-0.1;Momentum:+1.0;LowVol:-1.0,,10,30,3.2,hard 10%,159,19.5,Volatile,29.6,4.39,4.4,148,-44,18,88,true,Reduce,"Cut high-beta by 2-3%, add cash",-13,-12,BrokerA,LMT,85,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-27,-48,21,5,false,Monitor dispersion and breadth
P6425,Cautious,Trust,USD,2025-05-01,603570,61211,542359,1.0,50.3,31.7,0.2,17.8,GLD:27.9%;MUB:27.9%;TSLA:16.3%;IEF:27.9%,US:68.2;EU:7.4;APAC:11.9;EM:9.4;Other:3.1,Value:-0.3;Growth:-0.3;Quality:+0.8;Size:-0.4;Momentum:-0.6;LowVol:+0.2,NoMargin,5,30,5.7,trailing 8%,158,13.1,Bull,12.7,4.58,3.0,108,34,59,43,false,Buy,Add to core equity +1%,2,-14,BrokerB,VWAP,94,None,None,Normal monitoring,97,-52,173,3,false,Monitor dispersion and breadth
P6426,Hands-off,Trust,USD,2025-05-08,176946,8024,168922,1.0,61.2,17.1,13.8,7.9,HYG:22.5%;XLF:22.5%;AMZN:16.2%;GLD:16.2%;MUB:22.5%,US:69.0;EU:13.3;APAC:8.0;EM:5.4;Other:4.3,Value:-0.5;Growth:0.0;Quality:-0.7;Size:+0.8;Momentum:+0.9;LowVol:-0.2,,10,25,5.4,trailing 8%,157,13.8,Volatile,26.7,5.29,2.8,170,-6,33,69,true,Hedge,Buy index puts 1% notional,16,-38,BrokerD,LMT,93,VAR>budget,Reduce,Risk above budget threshold,-19,-1,-43,2,false,Increase defensive factor exposure
P6427,Opportunistic,IRA,USD,2025-07-02,746547,30654,715893,1.13,66.7,21.4,7.5,4.3,AMZN:20.9%;VNQ:26.9%;TSLA:25.3%;AAPL:26.9%,US:60.7;EU:18.9;APAC:9.5;EM:8.3;Other:2.6,Value:0.0;Growth:+0.1;Quality:-0.6;Size:-0.5;Momentum:+0.6;LowVol:-0.9,,8,35,5.1,trailing 7%,186,31.0,Bull,17.1,3.54,2.4,102,110,100,54,false,Buy,Add to core equity +1%,-7,-2,BrokerA,MKT,86,None,None,Normal monitoring,90,-35,134,4,false,Within IPS guidelines
P6428,Hands-off,Roth,USD,2024-11-03,846994,69365,777629,1.0,70.4,20.7,0.0,8.8,QQQ:24.0%;HYG:13.9%;XLF:24.0%;TLT:24.0%;AAPL:14.2%,US:55.9;EU:17.9;APAC:12.5;EM:9.1;Other:4.6,Value:+0.6;Growth:-0.0;Quality:+0.3;Size:-0.5;Momentum:+0.6;LowVol:-0.1,ESGOnly;MaxPos7%;NoDerivatives,10,35,3.2,trailing 10%,121,13.2,Volatile,21.8,5.0,3.4,155,-57,8,60,false,Buy,Add to core equity +1%,-3,-9,BrokerD,VWAP,100,None,None,Normal monitoring,7,18,76,5,false,Tax-aware sells next window
P6429,Active,Roth,USD,2025-12-09,2320173,144574,2175599,1.0,64.4,28.0,0.0,7.6,VOO:11.7%;MUB:20.0%;XLF:16.4%;AAPL:16.8%;BRK.B:20.4%;TSLA:14.7%,US:59.6;EU:14.4;APAC:13.5;EM:9.9;Other:2.6,Value:-0.7;Growth:+0.4;Quality:+0.2;Size:+0.7;Momentum:+0.6;LowVol:+0.7,,10,25,5.7,hard 12%,198,22.5,Bear,22.3,4.39,2.8,183,36,55,69,true,Rebalance,Rebalance back to target bands,25,-19,BrokerB,MKT,97,VAR>budget,TightenStops,Risk above budget threshold,-23,-31,52,5,false,Tighten stops on momentum names
P6430,Systematic,IRA,USD,2025-03-15,1045385,45907,999478,1.0,60.9,32.6,0.0,6.5,TLT:33.6%;VTI:33.6%;VNQ:32.9%,US:70.0;EU:7.6;APAC:9.7;EM:8.8;Other:4.0,Value:+0.4;Growth:-0.9;Quality:+0.4;Size:+0.9;Momentum:+0.7;LowVol:-0.5,NoDerivatives,10,35,4.2,hard 12%,223,18.8,Bull,14.3,4.54,2.9,102,24,63,48,false,Buy,Add to core equity +1%,17,-31,BrokerD,LMT,86,None,None,Normal monitoring,-46,-4,86,3,false,Tighten stops on momentum names
P6431,Opportunistic,401k,USD,2025-05-28,1207969,100709,1107260,1.0,70.1,12.2,8.7,9.0,QQQ:30.6%;AAPL:34.7%;VOO:34.7%,US:65.4;EU:13.7;APAC:14.8;EM:3.9;Other:2.2,Value:+0.6;Growth:0.0;Quality:-0.5;Size:-0.4;Momentum:-0.9;LowVol:-0.4,MaxPos7%;NoDerivatives,5,30,5.9,trailing 7%,170,26.6,Volatile,25.7,4.05,2.1,110,12,64,78,true,Hedge,Buy index puts 1% notional,17,-34,BrokerB,LMT,85,Drift>tolerance,Pause,Allocation drift beyond policy bands,77,-16,97,5,true,Increase defensive factor exposure
P6432,Hands-off,401k,USD,2025-11-30,560745,36663,524082,1.0,59.8,17.8,16.3,6.1,MSFT:35.0%;TSLA:35.0%;VOO:30.0%,US:69.7;EU:8.1;APAC:7.4;EM:10.4;Other:4.4,Value:+0.5;Growth:-0.7;Quality:+0.6;Size:+0.1;Momentum:-0.4;LowVol:+0.8,MaxPos8%,10,35,4.4,trailing 8%,111,19.7,Bear,24.0,3.7,1.8,137,-84,5,55,false,Rebalance,Shift +1% to bonds from equity,27,9,BrokerA,LMT,87,None,None,Normal monitoring,7,-26,80,4,false,Monitor dispersion and breadth
P6433,Hands-off,Trust,USD,2025-02-04,881940,41781,840159,1.0,69.7,22.5,0.9,6.9,TLT:32.2%;VOO:33.9%;MUB:33.9%,US:72.5;EU:10.0;APAC:6.0;EM:10.0;Other:1.4,Value:-0.7;Growth:+0.7;Quality:+0.5;Size:+0.2;Momentum:-0.7;LowVol:-0.5,ESGOnly;MaxPos5%;NoDerivatives,10,25,3.4,hard 10%,105,12.8,Bull,15.6,4.09,3.4,116,94,96,61,false,Rebalance,Shift +1% to bonds from equity,31,-37,BrokerB,LMT,87,None,None,Normal monitoring,100,-25,172,5,false,Increase defensive factor exposure
P6434,Hands-off,IRA,USD,2025-09-08,346189,19142,327047,1.0,68.8,22.6,0.0,8.6,IEF:21.8%;GLD:25.5%;MSFT:14.7%;VNQ:25.5%;HYG:12.5%,US:57.6;EU:11.9;APAC:15.4;EM:11.2;Other:3.9,Value:+0.1;Growth:+0.9;Quality:-0.0;Size:+0.4;Momentum:-0.8;LowVol:+0.7,ESGOnly;MaxPos5%;NoDerivatives,7,35,4.8,trailing 10%,103,14.4,Sideways,17.5,4.42,2.1,101,8,53,56,false,Sell,Trim extended winner -1%,-2,-11,BrokerA,LMT,100,None,None,Normal monitoring,107,8,224,5,false,Increase defensive factor exposure
P6435,Hands-off,Taxable,USD,2024-10-02,478698,33356,445342,1.0,65.2,23.1,5.6,6.2,TLT:23.1%;VOO:23.1%;VTI:23.1%;AAPL:21.1%;BND:9.7%,US:58.5;EU:19.1;APAC:15.9;EM:6.3;Other:0.2,Value:-0.2;Growth:-0.3;Quality:-0.0;Size:+0.3;Momentum:+0.9;LowVol:+0.1,MaxPos8%,7,25,5.5,hard 10%,166,19.2,Sideways,17.5,4.26,3.3,121,36,79,51,false,Hedge,Add TLT +1% as duration hedge,-11,-5,BrokerB,LMT,89,None,None,Normal monitoring,-1,18,51,5,false,Monitor dispersion and breadth
P6436,Opportunistic,Roth,USD,2025-11-25,709330,56681,652649,1.0,64.7,13.2,16.8,5.3,BRK.B:21.3%;TLT:21.3%;IEF:19.2%;GLD:16.8%;VTI:21.3%,US:71.3;EU:10.0;APAC:7.5;EM:10.4;Other:0.9,Value:-0.9;Growth:+0.5;Quality:-0.7;Size:-0.9;Momentum:+0.8;LowVol:-0.5,MaxPos8%;NoDerivatives,5,30,7.0,trailing 7%,236,21.6,Bull,16.3,4.71,2.6,76,46,71,53,false,Rebalance,Shift +1% to bonds from equity,7,5,BrokerB,MKT,91,None,None,Normal monitoring,-26,-42,39,4,false,Increase defensive factor exposure
P6437,Cautious,Trust,USD,2025-12-20,609666,83911,525755,1.0,45.9,38.7,0.0,15.4,HYG:14.7%;AMZN:14.6%;XLF:21.2%;MUB:9.5%;GLD:18.7%;VTI:21.4%,US:54.8;EU:18.6;APAC:13.9;EM:12.7;Other:0.0,Value:-0.6;Growth:+0.3;Quality:+0.3;Size:+0.5;Momentum:-0.4;LowVol:-0.4,NoMargin,6,35,4.5,trailing 10%,104,18.5,Volatile,28.3,5.23,3.2,180,-7,60,64,false,Buy,Add to core equity +1%,25,-9,BrokerD,MKT,86,None,None,Normal monitoring,97,13,126,4,false,Tighten stops on momentum names
P6438,Hands-off,Roth,USD,2024-09-22,189599,13398,176201,1.0,69.5,23.2,0.0,7.3,AAPL:33.3%;AMZN:33.3%;QQQ:33.3%,US:55.7;EU:15.6;APAC:14.0;EM:10.9;Other:3.7,Value:-0.5;Growth:+0.3;Quality:+0.2;Size:-0.6;Momentum:-1.0;LowVol:-0.9,ESGOnly;NoDerivatives,10,35,5.0,trailing 8%,98,19.5,Volatile,31.2,5.09,2.3,159,55,79,80,true,Hedge,Buy index puts 1% notional,1,-25,BrokerB,LMT,95,VAR>budget,TightenStops,Risk above budget threshold,78,17,64,3,false,Increase defensive factor exposure
P6439,Hands-off,Taxable,USD,2025-02-20,723920,47896,676024,1.0,56.6,19.3,16.3,7.8,VTI:36.8%;QQQ:26.4%;VOO:36.8%,US:65.0;EU:10.0;APAC:16.3;EM:5.2;Other:3.5,Value:-0.2;Growth:-0.3;Quality:-0.5;Size:-0.5;Momentum:+0.3;LowVol:+0.1,MaxPos5%,10,25,3.9,trailing 8%,169,12.6,Sideways,17.7,4.26,2.3,98,0,62,51,false,Rebalance,Shift +1% to bonds from equity,33,-20,BrokerB,MKT,98,None,None,Normal monitoring,-50,-15,84,4,false,Within IPS guidelines
P6440,Cautious,Trust,USD,2025-09-14,536945,73908,463037,1.0,50.3,34.5,0.6,14.6,TLT:29.3%;HYG:29.3%;MUB:18.1%;VOO:23.4%,US:67.9;EU:12.3;APAC:8.3;EM:6.7;Other:4.8,Value:+0.9;Growth:+0.3;Quality:-0.6;Size:+0.1;Momentum:+0.7;LowVol:-0.3,MaxPos8%;NoDerivatives;NoMargin,8,30,5.3,trailing 8%,152,13.7,Bull,13.1,4.46,2.4,109,117,100,29,false,Hedge,Add TLT +1% as duration hedge,-14,-6,BrokerB,VWAP,91,None,None,Normal monitoring,-42,-22,-3,4,false,Monitor dispersion and breadth
P6441,Hands-off,401k,USD,2025-06-26,862366,75189,787177,1.0,58.1,21.6,11.1,9.2,TLT:24.0%;BRK.B:14.7%;VTI:13.3%;IEF:24.0%;QQQ:24.0%,US:60.0;EU:15.1;APAC:10.5;EM:10.2;Other:4.2,Value:-0.0;Growth:-0.7;Quality:-0.1;Size:-0.2;Momentum:-0.2;LowVol:-0.1,ESGOnly,7,25,4.0,trailing 8%,143,16.0,Volatile,20.2,4.56,3.8,170,35,55,62,true,Hedge,Buy index puts 1% notional,-10,-13,BrokerB,MKT,95,VAR>budget,Hedge,Risk above budget threshold,73,17,191,3,false,Within IPS guidelines
P6442,Systematic,IRA,USD,2025-04-17,1535488,95058,1440430,1.0,64.9,23.8,2.2,9.1,TLT:13.7%;AMZN:21.6%;AAPL:9.2%;HYG:21.6%;IEF:12.2%;MSFT:21.6%,US:65.1;EU:13.6;APAC:9.0;EM:9.3;Other:3.0,Value:0.0;Growth:-0.7;Quality:+0.3;Size:+0.8;Momentum:+0.4;LowVol:-0.2,MaxPos5%;NoDerivatives,5,25,4.7,trailing 9%,225,17.2,Bull,11.6,4.64,3.3,92,112,100,51,false,Rebalance,Shift +1% to bonds from equity,-9,-12,BrokerA,MKT,88,None,None,Normal monitoring,38,-31,19,4,false,Within IPS guidelines
P6443,Active,Taxable,USD,2025-09-09,2251710,235975,2015735,1.0,51.2,25.3,16.8,6.7,MUB:20.0%;XLF:11.6%;BND:14.0%;VNQ:20.8%;AMZN:20.8%;MSFT:12.7%,US:62.8;EU:16.7;APAC:9.2;EM:7.2;Other:4.1,Value:-0.4;Growth:-0.8;Quality:-0.2;Size:-0.4;Momentum:+0.1;LowVol:+0.3,MaxPos7%,6,35,4.6,hard 12%,123,25.2,Volatile,26.0,4.12,2.7,142,53,74,57,false,Rebalance,Shift +1% to bonds from equity,24,-9,BrokerA,MKT,95,None,None,Normal monitoring,-15,-4,12,5,false,Tax-aware sells next window
P6444,Active,Trust,USD,2025-01-24,783951,67247,716704,1.0,59.0,30.2,1.6,9.2,VNQ:21.8%;BRK.B:26.5%;VTI:25.3%;TLT:26.5%,US:65.2;EU:15.0;APAC:12.0;EM:6.9;Other:1.0,Value:+1.0;Growth:0.0;Quality:+1.0;Size:+0.5;Momentum:+0.5;LowVol:+0.5,MaxPos8%,5,35,5.4,trailing 8%,151,16.1,Bear,26.4,4.05,1.0,135,39,57,78,true,Hedge,Buy index puts 1% notional,27,13,BrokerA,LMT,94,Drift>tolerance,Hedge,Allocation drift beyond policy bands,95,12,156,2,false,Tax-aware sells next window
P6445,Active,Trust,USD,2025-10-27,1745312,144890,1600422,1.0,54.0,28.4,9.7,7.9,XLF:27.5%;MUB:27.5%;BRK.B:25.7%;TLT:19.2%,US:64.7;EU:10.3;APAC:13.1;EM:8.3;Other:3.6,Value:+0.6;Growth:+0.5;Quality:-0.5;Size:-1.0;Momentum:-0.2;LowVol:-0.7,MaxPos7%,10,30,4.6,hard 12%,150,22.7,Sideways,14.1,3.54,3.1,96,-22,50,40,false,Rebalance,Shift +1% to bonds from equity,18,4,BrokerD,LMT,97,None,None,Normal monitoring,-53,-23,-19,4,false,Monitor dispersion and breadth
P6446,Cautious,Roth,USD,2025-01-22,407917,38247,369670,1.0,48.7,30.7,3.2,17.4,MSFT:25.7%;AAPL:22.8%;VNQ:25.7%;HYG:25.7%,US:61.2;EU:17.0;APAC:12.9;EM:8.1;Other:0.7,Value:-0.6;Growth:-0.1;Quality:-0.2;Size:-0.2;Momentum:+0.2;LowVol:-0.7,NoDerivatives;NoMargin,5,35,3.8,trailing 10%,165,14.7,Volatile,25.7,4.39,4.2,170,11,70,57,false,Hedge,Add TLT +1% as duration hedge,16,-40,BrokerD,MKT,96,None,None,Normal monitoring,2,18,-25,4,false,Tighten stops on momentum names
P6447,Active,Roth,USD,2025-09-01,619552,59301,560251,1.16,53.3,29.9,9.1,7.7,VNQ:17.8%;HYG:20.0%;GLD:14.9%;BRK.B:23.6%;MUB:23.6%,US:65.9;EU:18.4;APAC:7.0;EM:8.5;Other:0.1,Value:0.0;Growth:-0.1;Quality:+0.4;Size:-0.1;Momentum:-0.5;LowVol:+0.1,,10,35,5.2,trailing 9%,212,22.9,Bull,14.9,4.32,3.0,88,73,74,42,false,Sell,Trim extended winner -1%,-8,-23,BrokerB,LMT,98,None,None,Normal monitoring,-57,1,32,4,false,Increase defensive factor exposure
P6448,Active,Roth,USD,2025-12-11,2102179,251641,1850538,1.0,65.4,20.5,4.9,9.2,QQQ:23.7%;TLT:21.6%;XLF:23.7%;BND:19.0%;MUB:12.0%,US:71.3;EU:10.8;APAC:7.8;EM:8.8;Other:1.3,Value:+0.3;Growth:+0.6;Quality:-0.2;Size:+0.6;Momentum:+0.6;LowVol:-0.2,MaxPos8%,6,30,4.3,trailing 9%,190,20.4,Volatile,27.6,4.45,3.6,135,27,54,68,false,Rebalance,Shift +1% to bonds from equity,-13,-15,BrokerC,MKT,89,None,None,Normal monitoring,18,-41,0,4,false,Tighten stops on momentum names
P6449,Hands-off,401k,USD,2025-11-23,347996,30009,317987,1.0,70.6,23.7,0.0,5.8,AAPL:21.2%;MUB:19.9%;AMZN:9.1%;IEF:21.2%;VOO:10.1%;XLF:18.5%,US:62.5;EU:12.4;APAC:12.7;EM:9.7;Other:2.6,Value:-0.0;Growth:+0.8;Quality:-0.5;Size:+0.6;Momentum:-0.4;LowVol:-0.8,ESGOnly,6,35,4.4,trailing 8%,162,16.9,Bull,12.7,3.95,2.9,71,112,94,55,false,Buy,Add to core equity +1%,29,-18,BrokerB,LMT,94,None,None,Normal monitoring,107,7,82,3,false,Tighten stops on momentum names
P6450,Systematic,Taxable,USD,2025-08-22,1795809,170221,1625588,1.0,55.4,34.8,4.7,5.2,XLF:26.4%;AAPL:26.4%;GLD:22.0%;BRK.B:25.2%,US:65.3;EU:8.6;APAC:12.4;EM:10.3;Other:3.5,Value:+0.2;Growth:+0.7;Quality:-0.5;Size:0.0;Momentum:-0.2;LowVol:-0.1,MaxPos6%;NoDerivatives,6,30,4.9,hard 12%,200,16.2,Volatile,21.0,5.47,3.6,114,20,75,53,false,Hedge,Add TLT +1% as duration hedge,0,-22,BrokerA,MKT,92,None,None,Normal monitoring,99,-1,120,4,false,Increase defensive factor exposure
P6451,Cautious,Trust,USD,2024-07-15,444826,60022,384804,1.0,42.1,41.9,0.9,15.1,VOO:34.8%;IEF:34.8%;VTI:30.3%,US:61.8;EU:15.9;APAC:8.6;EM:10.7;Other:3.0,Value:-0.4;Growth:+0.7;Quality:-0.3;Size:+0.8;Momentum:-0.2;LowVol:0.0,ESGOnly;MaxPos7%;NoMargin,8,30,3.6,hard 10%,99,17.6,Bear,34.8,3.01,1.3,217,-70,9,65,false,Buy,Add to core equity +1%,20,5,BrokerA,VWAP,86,None,None,Normal monitoring,45,-54,116,3,false,Tighten stops on momentum names
P6452,Cautious,Trust,USD,2024-08-21,656835,83683,573152,1.0,39.4,32.0,17.5,11.1,VNQ:33.3%;AMZN:33.3%;MUB:33.3%,US:63.5;EU:13.6;APAC:11.1;EM:8.0;Other:3.9,Value:-0.3;Growth:+0.8;Quality:-0.4;Size:-0.1;Momentum:-0.3;LowVol:+0.3,NoMargin,10,35,4.0,hard 10%,139,14.3,Volatile,25.1,3.93,4.4,145,-36,26,53,false,Sell,Trim extended winner -1%,32,-32,BrokerB,LMT,87,None,None,Normal monitoring,-15,8,67,4,false,Increase defensive factor exposure
P6453,Opportunistic,Roth,USD,2025-09-17,1642854,66367,1576487,1.0,74.1,20.2,0.0,5.6,XLF:30.5%;TSLA:34.7%;GLD:34.7%,US:66.9;EU:17.1;APAC:5.1;EM:10.6;Other:0.3,Value:-0.9;Growth:+0.5;Quality:-0.7;Size:+0.1;Momentum:+0.9;LowVol:-0.2,,10,25,5.7,hard 12%,188,27.9,Bull,14.0,3.54,3.4,71,15,55,58,false,Rebalance,Shift +1% to bonds from equity,17,-17,BrokerA,VWAP,87,None,None,Normal monitoring,-27,-56,3,5,false,Tighten stops on momentum names
P6454,Opportunistic,Trust,USD,2025-08-26,1064196,90563,973633,1.09,71.6,17.0,3.9,7.5,MUB:23.7%;AMZN:25.4%;HYG:25.4%;MSFT:25.4%,US:69.0;EU:7.7;APAC:12.1;EM:5.9;Other:5.3,Value:-0.0;Growth:-0.2;Quality:-0.4;Size:+0.3;Momentum:-0.2;LowVol:-0.3,MaxPos5%,6,25,4.2,hard 12%,270,34.3,Bull,15.4,4.74,3.4,118,116,94,47,false,Rebalance,Shift +1% to bonds from equity,-8,-33,BrokerA,VWAP,88,None,None,Normal monitoring,69,-12,87,5,false,Tighten stops on momentum names
P6455,Hands-off,Trust,USD,2025-05-14,318903,15440,303463,1.0,57.1,20.0,17.1,5.8,MUB:25.9%;IEF:22.3%;HYG:25.9%;TSLA:25.9%,US:64.9;EU:11.4;APAC:11.3;EM:9.9;Other:2.5,Value:-1.0;Growth:-1.0;Quality:-1.0;Size:-0.4;Momentum:+0.9;LowVol:+0.5,NoDerivatives,10,30,4.4,trailing 10%,101,18.6,Bull,15.3,3.65,3.3,97,5,67,52,false,Rebalance,Shift +1% to bonds from equity,3,-18,BrokerA,LMT,91,None,None,Normal monitoring,-7,-40,73,5,false,Increase defensive factor exposure
P6456,Hands-off,IRA,USD,2024-12-04,589411,34801,554610,1.0,74.6,16.4,0.8,8.2,AAPL:33.3%;MSFT:33.3%;GLD:33.3%,US:69.5;EU:11.9;APAC:10.2;EM:5.9;Other:2.6,Value:-0.3;Growth:+0.4;Quality:-0.8;Size:+1.0;Momentum:-0.2;LowVol:+0.5,ESGOnly,5,25,5.6,hard 10%,147,14.4,Volatile,23.8,5.26,2.7,141,-25,33,82,true,Hedge,Buy index puts 1% notional,-12,-27,BrokerB,LMT,89,Drift>tolerance,Hedge,Allocation drift beyond policy bands,118,-12,136,5,false,Tighten stops on momentum names
P6457,Cautious,IRA,USD,2025-11-15,525631,51326,474305,1.0,43.7,35.9,9.3,11.1,VTI:12.8%;HYG:20.8%;AMZN:22.1%;AAPL:22.1%;MUB:22.1%,US:64.3;EU:15.2;APAC:10.8;EM:9.3;Other:0.4,Value:-0.5;Growth:-0.5;Quality:-0.3;Size:+0.8;Momentum:+0.3;LowVol:+0.1,MaxPos7%;NoMargin,8,30,3.6,trailing 10%,145,18.7,Sideways,18.6,4.23,3.3,126,-3,35,42,false,Buy,Add to core equity +1%,-8,10,BrokerC,MKT,87,None,None,Normal monitoring,95,-21,165,5,false,Tax-aware sells next window
P6458,Opportunistic,Roth,USD,2024-12-03,1155513,85264,1070249,1.2,70.7,14.7,9.1,5.5,BND:25.0%;MUB:25.0%;VOO:25.0%;QQQ:25.0%,US:64.8;EU:10.6;APAC:15.2;EM:5.4;Other:4.0,Value:+1.0;Growth:+0.3;Quality:-0.6;Size:+0.4;Momentum:-0.5;LowVol:-0.0,MaxPos6%;NoDerivatives,5,30,5.6,trailing 7%,234,21.2,Bull,13.6,4.56,2.5,104,112,100,40,true,Hedge,Buy index puts 1% notional,9,4,BrokerB,MKT,89,VAR>budget,Reduce,Risk above budget threshold,76,-21,205,3,false,Tax-aware sells next window
P6459,Active,401k,USD,2025-10-08,903957,62251,841706,1.0,65.7,23.6,2.1,8.7,AMZN:33.3%;MSFT:33.3%;HYG:33.3%,US:69.0;EU:7.6;APAC:13.3;EM:6.4;Other:3.7,Value:-0.6;Growth:-0.8;Quality:+0.3;Size:+0.8;Momentum:-0.9;LowVol:-1.0,,5,30,4.1,trailing 9%,206,20.6,Bull,13.2,3.68,2.5,108,56,88,47,false,Rebalance,Shift +1% to bonds from equity,13,-14,BrokerA,LMT,97,None,None,Normal monitoring,67,-60,59,4,false,Monitor dispersion and breadth
P6460,Opportunistic,Trust,USD,2025-02-11,1352339,113478,1238861,1.0,77.4,13.2,0.6,8.7,GLD:15.1%;TLT:6.2%;AAPL:20.7%;HYG:17.1%;AMZN:20.1%;VOO:20.7%,US:67.3;EU:11.5;APAC:14.4;EM:5.7;Other:1.1,Value:+1.0;Growth:+0.4;Quality:-0.7;Size:+0.3;Momentum:-0.3;LowVol:-0.9,MaxPos7%,6,25,4.7,hard 12%,200,24.8,Bull,11.5,4.63,2.3,82,112,100,56,false,Rebalance,Shift +1% to bonds from equity,19,-39,BrokerD,MKT,94,None,None,Normal monitoring,87,15,197,5,false,Within IPS guidelines
P6461,Active,Trust,USD,2024-10-11,1179028,107369,1071659,1.0,64.0,23.0,4.0,9.0,IEF:15.2%;MSFT:16.7%;XLF:20.7%;TSLA:18.0%;MUB:8.7%;AMZN:20.7%,US:71.1;EU:8.5;APAC:7.6;EM:11.5;Other:1.3,Value:+0.4;Growth:+0.6;Quality:-0.9;Size:-0.3;Momentum:-1.0;LowVol:+0.2,NoDerivatives,5,35,4.8,trailing 8%,138,25.2,Sideways,19.2,4.9,3.2,100,26,69,50,true,Hedge,Buy index puts 1% notional,-9,3,BrokerA,LMT,100,Drift>tolerance,Reduce,Allocation drift beyond policy bands,107,-11,170,3,false,Increase defensive factor exposure
P6462,Active,Taxable,USD,2024-09-12,2313050,265703,2047347,1.0,65.1,28.1,0.0,6.7,TLT:33.3%;VTI:33.3%;GLD:33.3%,US:65.3;EU:20.2;APAC:6.3;EM:5.2;Other:3.0,Value:-0.7;Growth:+0.8;Quality:+0.9;Size:-0.6;Momentum:-0.7;LowVol:+0.2,NoDerivatives,10,25,4.2,trailing 8%,230,26.4,Volatile,20.8,4.74,3.5,114,58,90,61,false,Rebalance,Shift +1% to bonds from equity,20,-36,BrokerB,LMT,94,None,None,Normal monitoring,112,14,81,3,false,Within IPS guidelines
P6463,Systematic,Taxable,USD,2025-11-29,1245899,89949,1155950,1.0,62.7,28.6,0.0,8.7,VNQ:15.9%;TLT:28.0%;BND:28.0%;BRK.B:28.0%,US:70.5;EU:14.5;APAC:11.6;EM:3.3;Other:0.2,Value:+0.8;Growth:-0.1;Quality:-0.7;Size:-0.4;Momentum:-0.4;LowVol:+0.2,NoDerivatives,7,25,4.6,trailing 9%,157,22.1,Bull,15.0,3.56,3.2,107,21,51,44,false,Rebalance,Shift +1% to bonds from equity,-10,5,BrokerB,VWAP,97,None,None,Normal monitoring,107,-25,221,3,false,Increase defensive factor exposure
P6464,Active,Taxable,USD,2024-09-11,773588,73474,700114,1.0,58.2,21.7,14.2,5.9,GLD:28.6%;QQQ:28.6%;MUB:28.6%;MSFT:14.3%,US:76.7;EU:6.7;APAC:8.2;EM:8.1;Other:0.3,Value:-0.4;Growth:-0.0;Quality:+0.6;Size:+0.5;Momentum:+0.7;LowVol:+0.3,NoDerivatives,10,30,5.7,trailing 8%,220,23.1,Bull,15.9,4.55,3.0,120,47,79,44,false,Buy,Add to core equity +1%,12,-10,BrokerB,MKT,95,None,None,Normal monitoring,53,-31,110,5,false,Tighten stops on momentum names
P6465,Cautious,Roth,USD,2025-05-11,294489,35552,258937,1.0,46.7,35.3,2.3,15.7,TLT:27.3%;IEF:19.2%;BND:27.3%;VOO:26.2%,US:62.8;EU:10.5;APAC:11.6;EM:12.1;Other:3.1,Value:-0.5;Growth:+0.1;Quality:-0.8;Size:-0.1;Momentum:-0.9;LowVol:+0.4,NoMargin,8,35,4.9,trailing 8%,137,15.1,Bear,33.1,3.91,1.9,168,-59,32,81,true,Hedge,Buy index puts 1% notional,33,-40,BrokerD,LMT,89,RegimeShift,Reduce,Volatility spike and breadth deterioration,110,-34,184,3,false,Increase defensive factor exposure
P6466,Cautious,Roth,USD,2025-04-10,354219,37914,316305,1.0,44.6,34.1,11.2,10.1,MSFT:33.3%;TLT:33.3%;AAPL:33.3%,US:71.1;EU:14.2;APAC:7.3;EM:6.5;Other:1.0,Value:-0.0;Growth:-0.7;Quality:+0.9;Size:-0.0;Momentum:-0.9;LowVol:+0.5,ESGOnly;MaxPos5%;NoMargin,7,35,5.1,trailing 8%,119,18.6,Bull,16.1,4.07,3.0,77,32,75,30,false,Rebalance,Shift +1% to bonds from equity,-13,-25,BrokerB,LMT,95,None,None,Normal monitoring,-20,-50,109,5,false,Monitor dispersion and breadth
P6467,Systematic,Trust,USD,2024-09-28,459754,36955,422799,1.0,61.4,30.4,0.1,8.1,TLT:9.7%;MSFT:13.8%;VOO:21.9%;TSLA:21.9%;IEF:20.5%;QQQ:12.2%,US:63.5;EU:17.6;APAC:6.9;EM:7.6;Other:4.3,Value:+0.7;Growth:+0.9;Quality:-0.4;Size:+0.7;Momentum:-0.7;LowVol:-0.2,NoDerivatives,5,30,4.3,trailing 8%,130,27.1,Sideways,17.9,4.36,2.3,125,45,61,46,false,Rebalance,Shift +1% to bonds from equity,-5,-39,BrokerB,LMT,90,None,None,Normal monitoring,92,-4,130,3,false,Within IPS guidelines
P6468,Cautious,Roth,USD,2024-07-31,897982,73070,824912,1.0,47.7,37.0,1.0,14.3,AMZN:23.3%;GLD:16.0%;MUB:23.3%;AAPL:14.2%;HYG:23.3%,US:75.8;EU:9.5;APAC:7.4;EM:7.2;Other:0.0,Value:-0.6;Growth:-0.6;Quality:+0.1;Size:-0.0;Momentum:+0.9;LowVol:-0.1,ESGOnly;NoDerivatives;NoMargin,5,25,4.3,trailing 8%,155,13.4,Volatile,24.8,3.96,3.6,128,-18,56,57,true,Rebalance,Rebalance back to target bands,24,-13,BrokerC,LMT,87,RegimeShift,TightenStops,Volatility spike and breadth deterioration,83,7,170,2,false,Monitor dispersion and breadth
P6469,Cautious,401k,USD,2025-03-06,509446,54114,455332,1.0,40.2,32.9,12.1,14.8,AMZN:8.7%;VNQ:12.9%;MSFT:19.0%;XLF:20.6%;VTI:18.4%;BRK.B:20.6%,US:60.9;EU:18.4;APAC:15.1;EM:3.7;Other:2.0,Value:-0.1;Growth:-0.3;Quality:+0.6;Size:+0.4;Momentum:+0.8;LowVol:+0.1,NoMargin,10,25,4.9,trailing 8%,165,15.2,Bear,29.3,3.03,1.3,141,3,65,67,false,Sell,Trim extended winner -1%,2,-21,BrokerB,LMT,87,None,None,Normal monitoring,52,-31,154,5,false,Within IPS guidelines
P6470,Cautious,Taxable,USD,2025-05-11,561824,69323,492501,1.0,42.3,41.0,4.1,12.6,QQQ:27.0%;GLD:27.0%;XLF:19.1%;BRK.B:27.0%,US:59.5;EU:15.8;APAC:10.7;EM:8.6;Other:5.5,Value:-0.9;Growth:-0.5;Quality:-0.4;Size:-0.0;Momentum:+0.7;LowVol:-0.6,MaxPos7%;NoMargin,7,30,4.7,hard 10%,144,19.9,Bull,16.2,3.99,2.6,94,92,100,39,false,Hedge,Add TLT +1% as duration hedge,5,-25,BrokerC,MKT,97,None,None,Normal monitoring,86,-12,180,3,false,Tighten stops on momentum names
P6471,Hands-off,IRA,USD,2024-10-22,178295,12296,165999,1.0,66.7,26.4,0.0,6.9,QQQ:26.5%;VOO:36.8%;IEF:36.8%,US:70.4;EU:7.2;APAC:10.3;EM:9.0;Other:3.1,Value:+0.7;Growth:-0.6;Quality:+0.8;Size:+1.0;Momentum:-0.8;LowVol:-0.3,ESGOnly,7,25,3.4,hard 10%,125,14.3,Bear,27.4,3.17,2.2,140,-62,5,81,true,Reduce,"Cut high-beta by 2-3%, add cash",2,-36,BrokerB,LMT,87,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,105,-10,240,3,false,Tighten stops on momentum names
P6472,Active,Roth,USD,2025-12-13,516625,51312,465313,1.12,63.3,29.2,0.0,7.5,GLD:33.3%;MUB:33.3%;QQQ:33.3%,US:62.3;EU:15.4;APAC:8.2;EM:9.9;Other:4.3,Value:+0.5;Growth:+0.7;Quality:+0.4;Size:-0.2;Momentum:-0.8;LowVol:-0.7,,6,35,4.5,trailing 8%,161,17.3,Volatile,27.1,4.05,3.9,156,-1,41,78,true,Rebalance,Rebalance back to target bands,7,6,BrokerC,MKT,88,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-1,9,51,5,false,Increase defensive factor exposure
P6473,Active,Trust,USD,2024-10-04,1508219,125911,1382308,1.0,58.7,28.5,3.4,9.4,BRK.B:25.9%;AMZN:25.9%;VOO:25.9%;IEF:22.2%,US:64.6;EU:19.7;APAC:8.0;EM:5.4;Other:2.4,Value:-0.4;Growth:-0.4;Quality:+0.4;Size:+0.3;Momentum:-0.3;LowVol:+0.4,,10,35,5.3,trailing 9%,149,21.0,Volatile,32.0,3.71,2.8,131,7,38,84,true,Reduce,"Cut high-beta by 2-3%, add cash",30,-21,BrokerD,MKT,87,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-56,-30,7,2,false,Increase defensive factor exposure
P6474,Cautious,Roth,USD,2025-04-17,706135,93484,612651,1.0,47.6,35.8,0.0,16.6,QQQ:22.9%;GLD:11.3%;VOO:11.8%;BRK.B:22.9%;VNQ:22.9%;IEF:8.3%,US:76.2;EU:13.3;APAC:5.6;EM:4.9;Other:0.0,Value:+0.1;Growth:+0.7;Quality:-0.2;Size:+0.8;Momentum:+0.7;LowVol:-0.2,MaxPos7%;NoMargin,5,30,5.7,hard 10%,122,15.0,Volatile,26.7,5.22,3.4,165,-8,49,55,false,NoAction,Within bands; monitor,29,-7,BrokerD,MKT,0,None,None,Normal monitoring,81,-38,143,5,false,Within IPS guidelines
P6475,Opportunistic,Taxable,USD,2024-11-11,1256741,41660,1215081,1.0,76.0,11.4,8.2,4.4,IEF:16.5%;BND:17.2%;VTI:16.7%;VOO:11.2%;QQQ:20.5%;HYG:18.1%,US:70.4;EU:6.9;APAC:11.3;EM:8.7;Other:2.7,Value:+1.0;Growth:+0.4;Quality:-0.4;Size:+0.6;Momentum:-1.0;LowVol:-0.7,MaxPos8%;NoDerivatives,6,30,6.0,trailing 7%,210,21.6,Bull,16.4,4.19,2.9,100,1,54,55,false,Rebalance,Shift +1% to bonds from equity,10,6,BrokerB,VWAP,94,None,None,Normal monitoring,54,5,180,4,false,Monitor dispersion and breadth
P6476,Hands-off,Trust,USD,2024-10-30,553598,37919,515679,1.0,72.7,17.8,3.3,6.1,IEF:23.7%;MUB:27.1%;BND:22.1%;VOO:27.1%,US:67.5;EU:17.3;APAC:6.5;EM:5.2;Other:3.6,Value:-0.2;Growth:-0.7;Quality:-0.3;Size:-0.7;Momentum:+0.3;LowVol:-0.1,MaxPos6%,6,35,3.0,trailing 8%,114,16.9,Volatile,26.0,4.87,2.5,158,-35,32,85,true,Hedge,Buy index puts 1% notional,21,2,BrokerA,VWAP,97,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-13,-5,18,2,false,Within IPS guidelines
P6477,Systematic,Taxable,USD,2025-04-22,910893,65237,845656,1.0,59.5,26.0,5.4,9.1,BRK.B:18.7%;MUB:10.8%;XLF:19.4%;VTI:20.0%;MSFT:20.1%;HYG:11.0%,US:66.1;EU:13.5;APAC:12.3;EM:4.0;Other:4.2,Value:+0.9;Growth:-0.2;Quality:-0.4;Size:-0.1;Momentum:-0.5;LowVol:-0.3,,6,30,5.4,trailing 8%,129,16.3,Sideways,15.2,3.66,2.5,91,26,73,49,false,Rebalance,Shift +1% to bonds from equity,-13,-30,BrokerA,LMT,95,None,None,Normal monitoring,98,14,96,5,false,Monitor dispersion and breadth
P6478,Active,Trust,USD,2025-10-12,1623696,146216,1477480,1.0,50.8,21.4,21.8,6.0,XLF:18.4%;IEF:19.8%;GLD:20.7%;AAPL:18.9%;BRK.B:22.2%,US:67.5;EU:18.7;APAC:7.3;EM:4.5;Other:2.0,Value:+0.6;Growth:+0.9;Quality:+0.9;Size:+0.5;Momentum:-1.0;LowVol:+0.8,MaxPos6%,6,30,5.1,hard 12%,230,19.0,Bear,28.9,3.77,1.6,141,-91,5,59,false,Rebalance,Shift +1% to bonds from equity,9,-12,BrokerB,LMT,94,None,None,Normal monitoring,14,10,121,4,false,Within IPS guidelines
P6479,Hands-off,Roth,USD,2025-10-14,188097,15524,172573,1.0,69.3,21.5,0.1,9.1,HYG:22.2%;TSLA:11.1%;QQQ:13.3%;MSFT:21.1%;VNQ:22.2%;VTI:10.1%,US:70.4;EU:6.9;APAC:14.3;EM:7.3;Other:1.2,Value:-0.4;Growth:-0.9;Quality:+0.7;Size:+0.1;Momentum:+0.4;LowVol:-0.8,ESGOnly;MaxPos7%,6,25,5.1,trailing 8%,159,19.5,Volatile,20.1,5.4,3.4,151,-53,27,51,true,Reduce,"Cut high-beta by 2-3%, add cash",17,8,BrokerA,MKT,99,VAR>budget,Reduce,Risk above budget threshold,11,13,20,3,false,Within IPS guidelines
P6480,Hands-off,Trust,USD,2025-09-29,625152,43991,581161,1.0,69.4,15.2,6.7,8.7,TLT:33.3%;VTI:33.3%;BRK.B:33.3%,US:65.7;EU:8.1;APAC:9.1;EM:13.5;Other:3.6,Value:-0.2;Growth:-0.6;Quality:+0.2;Size:-0.3;Momentum:-0.7;LowVol:-0.2,ESGOnly;MaxPos7%,6,30,4.9,trailing 8%,162,13.4,Sideways,17.3,3.77,2.0,93,16,55,53,false,Buy,Add to core equity +1%,19,-8,BrokerC,MKT,86,None,None,Normal monitoring,77,7,43,4,false,Tax-aware sells next window
P6481,Active,IRA,USD,2024-09-21,899444,95003,804441,1.0,54.3,26.4,12.6,6.7,BND:37.2%;TLT:37.2%;HYG:25.7%,US:68.2;EU:11.8;APAC:11.0;EM:4.5;Other:4.6,Value:-0.2;Growth:-0.9;Quality:-0.6;Size:+0.9;Momentum:+1.0;LowVol:-0.8,MaxPos6%;NoDerivatives,10,35,5.7,trailing 9%,166,26.3,Bear,27.5,3.39,2.5,137,-10,49,66,false,Sell,Trim extended winner -1%,24,-30,BrokerC,VWAP,95,None,None,Normal monitoring,52,18,153,3,false,Monitor dispersion and breadth
P6482,Systematic,Roth,USD,2025-05-30,1199130,59298,1139832,1.0,55.1,32.3,3.4,9.1,MSFT:20.8%;XLF:14.6%;AMZN:19.3%;VTI:18.2%;TLT:12.5%;IEF:14.6%,US:68.5;EU:11.7;APAC:7.8;EM:10.5;Other:1.5,Value:+0.1;Growth:+0.1;Quality:-0.0;Size:+0.2;Momentum:+0.3;LowVol:-0.8,MaxPos7%,5,30,4.9,hard 12%,215,28.0,Bull,17.4,3.55,2.7,71,43,68,48,false,Sell,Trim extended winner -1%,28,-32,BrokerB,VWAP,100,None,None,Normal monitoring,22,5,125,3,false,Tighten stops on momentum names
P6483,Opportunistic,Roth,USD,2025-12-16,1571028,86375,1484653,1.0,76.7,17.4,0.0,5.9,VOO:27.4%;TSLA:36.3%;HYG:36.3%,US:67.1;EU:9.3;APAC:8.9;EM:13.0;Other:1.6,Value:-0.1;Growth:+0.8;Quality:+0.1;Size:-0.3;Momentum:+0.8;LowVol:+0.6,,7,30,4.5,trailing 9%,161,34.6,Bull,12.8,3.53,2.7,103,108,99,61,false,Buy,Add to core equity +1%,19,12,BrokerB,VWAP,89,None,None,Normal monitoring,2,-30,-27,3,false,Within IPS guidelines
P6484,Cautious,Trust,USD,2025-02-06,422832,59370,363462,1.0,44.4,40.6,0.0,15.0,MUB:13.2%;BND:21.2%;XLF:21.3%;GLD:22.2%;AMZN:22.2%,US:54.0;EU:19.1;APAC:16.0;EM:9.2;Other:1.7,Value:-0.2;Growth:+0.9;Quality:+0.5;Size:+0.9;Momentum:-1.0;LowVol:+0.8,ESGOnly;NoMargin,5,25,4.2,trailing 8%,126,17.3,Volatile,23.9,5.18,3.6,174,77,90,61,false,NoAction,Within bands; monitor,-7,-8,BrokerD,MKT,0,None,None,Normal monitoring,-43,-27,62,3,false,Monitor dispersion and breadth
P6485,Cautious,IRA,USD,2025-05-20,400811,50452,350359,1.0,51.0,30.9,0.8,17.3,QQQ:11.0%;VNQ:21.8%;BRK.B:14.2%;IEF:12.4%;BND:21.8%;VOO:18.9%,US:58.9;EU:17.4;APAC:10.6;EM:10.1;Other:3.0,Value:+0.4;Growth:+0.1;Quality:-0.5;Size:-0.6;Momentum:+0.2;LowVol:-0.2,NoMargin,10,25,4.7,trailing 10%,138,16.4,Volatile,20.5,5.35,2.9,134,78,97,48,false,Rebalance,Shift +1% to bonds from equity,-1,-11,BrokerB,MKT,87,None,None,Normal monitoring,58,-30,184,4,false,Tighten stops on momentum names
P6486,Active,IRA,USD,2025-09-10,1888156,139191,1748965,1.0,62.8,27.1,0.2,10.0,AAPL:15.1%;TSLA:28.3%;VOO:28.3%;HYG:28.3%,US:60.6;EU:15.1;APAC:10.5;EM:9.5;Other:4.3,Value:+0.8;Growth:+0.1;Quality:-0.6;Size:-0.9;Momentum:-0.9;LowVol:-0.1,MaxPos6%,6,35,5.8,trailing 9%,149,27.2,Volatile,20.7,4.09,3.7,111,-34,32,49,false,Buy,Add to core equity +1%,24,8,BrokerB,LMT,99,None,None,Normal monitoring,33,-1,7,4,false,Monitor dispersion and breadth
P6487,Opportunistic,IRA,USD,2024-11-02,841060,65655,775405,1.17,71.0,18.6,3.8,6.7,AMZN:22.3%;TSLA:22.3%;MUB:16.4%;XLF:9.7%;QQQ:22.1%;BRK.B:7.4%,US:60.2;EU:20.0;APAC:13.2;EM:5.4;Other:1.3,Value:-0.9;Growth:-0.9;Quality:+0.5;Size:-0.9;Momentum:+0.9;LowVol:-0.6,,8,30,5.6,trailing 7%,216,31.3,Volatile,29.2,3.91,4.0,140,-27,35,86,true,Rebalance,Rebalance back to target bands,-1,-33,BrokerB,LMT,98,Drift>tolerance,Pause,Allocation drift beyond policy bands,23,-40,150,3,false,Monitor dispersion and breadth
P6488,Active,Taxable,USD,2024-09-29,1658744,163524,1495220,1.0,65.4,18.5,11.0,5.1,VTI:33.3%;AMZN:33.3%;IEF:33.3%,US:69.1;EU:12.0;APAC:9.9;EM:5.9;Other:3.1,Value:-1.0;Growth:-0.4;Quality:-0.1;Size:+0.5;Momentum:-0.5;LowVol:+0.7,MaxPos6%,8,30,5.3,trailing 8%,163,18.7,Volatile,24.1,5.34,3.1,114,73,73,69,false,Hedge,Add TLT +1% as duration hedge,32,-21,BrokerC,LMT,89,None,None,Normal monitoring,35,-6,142,5,false,Monitor dispersion and breadth
P6489,Hands-off,401k,USD,2025-03-04,580215,55178,525037,1.0,64.7,22.5,7.7,5.2,TLT:14.7%;BND:9.6%;MUB:21.6%;IEF:21.6%;MSFT:21.6%;AMZN:10.9%,US:65.0;EU:14.1;APAC:9.4;EM:9.8;Other:1.7,Value:0.0;Growth:-0.4;Quality:-0.7;Size:-0.9;Momentum:-0.0;LowVol:+0.4,,8,25,4.1,trailing 8%,122,16.2,Bull,14.0,4.68,2.1,81,26,50,42,false,Rebalance,Shift +1% to bonds from equity,15,8,BrokerD,LMT,90,None,None,Normal monitoring,9,19,125,4,false,Increase defensive factor exposure
P6490,Cautious,Taxable,USD,2025-03-16,375852,44912,330940,1.0,52.4,30.9,6.4,10.4,AAPL:34.4%;IEF:31.2%;QQQ:34.4%,US:70.2;EU:11.5;APAC:10.4;EM:7.1;Other:0.9,Value:+0.4;Growth:-0.2;Quality:0.0;Size:+0.1;Momentum:-0.7;LowVol:-0.9,NoDerivatives;NoMargin,6,25,4.3,trailing 8%,157,12.1,Bear,32.4,3.8,1.6,215,-95,5,74,true,Reduce,"Cut high-beta by 2-3%, add cash",-14,-21,BrokerD,VWAP,97,RegimeShift,Hedge,Volatility spike and breadth deterioration,64,18,84,5,true,Tax-aware sells next window
P6491,Cautious,Taxable,USD,2025-09-08,875915,74570,801345,1.0,43.5,32.9,7.3,16.3,AAPL:19.8%;AMZN:19.2%;HYG:17.9%;GLD:20.8%;TLT:9.9%;TSLA:12.4%,US:58.9;EU:16.2;APAC:9.4;EM:12.5;Other:3.1,Value:+0.2;Growth:+0.1;Quality:-0.5;Size:+0.2;Momentum:+0.9;LowVol:-0.0,MaxPos5%;NoMargin,10,25,4.7,trailing 10%,145,18.8,Volatile,26.4,4.85,4.4,129,-42,44,54,false,Rebalance,Shift +1% to bonds from equity,-9,-33,BrokerC,VWAP,95,None,None,Normal monitoring,80,-2,210,5,false,Monitor dispersion and breadth
P6492,Active,IRA,USD,2025-09-30,1707765,135162,1572603,1.0,68.2,22.7,0.0,9.1,VOO:25.1%;TSLA:25.1%;BND:24.6%;VTI:25.1%,US:67.8;EU:6.3;APAC:13.0;EM:8.7;Other:4.2,Value:+0.3;Growth:+0.9;Quality:-0.5;Size:0.0;Momentum:+0.5;LowVol:0.0,,8,35,4.6,trailing 9%,137,27.6,Bear,26.7,3.49,1.9,168,-54,22,75,true,Hedge,Buy index puts 1% notional,-12,-9,BrokerC,LMT,90,RegimeShift,Hedge,Volatility spike and breadth deterioration,12,0,134,4,false,Tighten stops on momentum names
P6493,Hands-off,Taxable,USD,2025-05-04,696344,55971,640373,1.0,64.3,27.4,1.7,6.6,HYG:13.5%;MUB:6.8%;XLF:17.1%;TLT:21.7%;IEF:21.7%;QQQ:19.2%,US:65.4;EU:16.4;APAC:9.7;EM:6.4;Other:2.1,Value:-0.8;Growth:-0.2;Quality:+0.1;Size:+0.6;Momentum:-0.8;LowVol:-0.2,MaxPos6%,5,35,3.2,hard 10%,138,13.2,Sideways,20.8,3.85,2.8,119,42,62,56,false,Sell,Trim extended winner -1%,26,0,BrokerC,LMT,92,None,None,Normal monitoring,-37,-58,-53,5,false,Monitor dispersion and breadth
P6494,Cautious,Taxable,USD,2024-10-19,320093,44193,275900,1.0,48.9,34.6,0.0,16.5,MUB:34.1%;VTI:31.7%;AAPL:34.1%,US:71.0;EU:15.9;APAC:6.9;EM:5.1;Other:1.2,Value:+0.3;Growth:-0.4;Quality:+0.9;Size:+0.5;Momentum:-0.9;LowVol:+0.4,ESGOnly;MaxPos5%;NoDerivatives;NoMargin,6,35,4.1,trailing 10%,111,12.1,Sideways,21.4,4.9,3.2,112,-19,33,58,false,Rebalance,Shift +1% to bonds from equity,-9,15,BrokerD,MKT,93,None,None,Normal monitoring,70,-24,41,4,false,Tax-aware sells next window
P6495,Cautious,Taxable,USD,2025-01-03,483107,67179,415928,1.0,45.6,38.9,0.0,15.5,QQQ:16.8%;AMZN:13.1%;VTI:21.7%;BRK.B:21.7%;TLT:9.5%;GLD:17.2%,US:61.3;EU:13.0;APAC:10.7;EM:11.1;Other:3.8,Value:-0.4;Growth:+0.7;Quality:+0.8;Size:-0.3;Momentum:-0.3;LowVol:-0.6,MaxPos7%;NoMargin,7,35,3.6,trailing 8%,169,14.1,Bull,16.2,4.92,3.0,94,30,76,32,false,NoAction,Within bands; monitor,-7,12,BrokerA,LMT,86,None,None,Normal monitoring,40,-54,73,4,false,Tax-aware sells next window
P6496,Active,IRA,USD,2025-07-09,1250777,81112,1169665,1.13,63.3,21.7,5.1,9.8,QQQ:26.8%;AAPL:19.5%;BND:26.8%;TLT:26.8%,US:62.5;EU:15.6;APAC:15.5;EM:4.8;Other:1.5,Value:+0.1;Growth:-0.9;Quality:-0.3;Size:+0.9;Momentum:+0.6;LowVol:+0.1,,6,30,5.4,hard 12%,195,19.8,Bear,33.7,4.11,1.4,179,-71,5,91,true,Hedge,Buy index puts 1% notional,15,11,BrokerB,MKT,95,VAR>budget,Hedge,Risk above budget threshold,44,-16,113,2,false,Tighten stops on momentum names
P6497,Hands-off,Trust,USD,2024-08-29,172210,15271,156939,1.0,60.0,29.1,5.4,5.6,TLT:33.3%;VTI:33.3%;HYG:33.3%,US:75.1;EU:5.6;APAC:10.5;EM:4.9;Other:3.9,Value:+0.8;Growth:+0.3;Quality:-0.5;Size:+0.7;Momentum:+0.5;LowVol:-0.9,MaxPos6%,7,30,5.1,trailing 8%,168,16.3,Bear,26.4,4.21,2.1,150,-94,6,69,false,Rebalance,Shift +1% to bonds from equity,8,13,BrokerA,LMT,98,None,None,Normal monitoring,113,-40,160,3,false,Tax-aware sells next window
P6498,Opportunistic,Trust,USD,2024-09-16,1597131,121150,1475981,1.24,74.2,18.5,0.0,7.4,AAPL:15.2%;BRK.B:21.9%;XLF:19.3%;QQQ:12.7%;BND:9.0%;TLT:21.9%,US:60.9;EU:10.4;APAC:14.9;EM:10.1;Other:3.7,Value:+0.1;Growth:+0.3;Quality:+0.3;Size:+0.4;Momentum:+0.6;LowVol:-0.8,,8,30,4.4,trailing 9%,172,30.8,Volatile,28.8,5.05,2.7,173,3,40,86,true,Hedge,Buy index puts 1% notional,29,-36,BrokerA,VWAP,94,VAR>budget,Hedge,Risk above budget threshold,50,-39,60,2,false,Tax-aware sells next window
P6499,Hands-off,Roth,USD,2025-05-31,578760,31312,547448,1.0,68.2,24.9,0.0,6.9,MSFT:15.8%;XLF:21.1%;HYG:21.1%;VOO:21.1%;VTI:21.1%,US:67.5;EU:8.3;APAC:16.4;EM:3.3;Other:4.5,Value:+0.9;Growth:+0.8;Quality:-0.4;Size:+0.4;Momentum:+0.7;LowVol:-0.7,ESGOnly;MaxPos8%,7,25,5.5,trailing 8%,108,13.6,Sideways,15.7,3.9,3.2,112,6,49,52,false,Rebalance,Shift +1% to bonds from equity,5,-33,BrokerD,VWAP,97,None,None,Normal monitoring,31,-44,82,5,false,Monitor dispersion and breadth
P6500,Cautious,IRA,USD,2024-11-20,556479,48207,508272,1.0,49.0,39.4,0.0,11.6,AMZN:21.2%;HYG:12.4%;GLD:23.1%;BND:23.1%;MUB:20.1%,US:67.9;EU:7.0;APAC:9.4;EM:13.2;Other:2.5,Value:-0.4;Growth:-0.4;Quality:+0.1;Size:-0.5;Momentum:-0.8;LowVol:+0.4,MaxPos8%;NoMargin,5,35,5.0,trailing 10%,167,12.9,Bull,12.6,4.32,3.5,111,15,47,44,false,Rebalance,Shift +1% to bonds from equity,-4,-5,BrokerD,VWAP,89,None,None,Normal monitoring,0,-30,44,3,false,Increase defensive factor exposure
P6501,Hands-off,401k,USD,2025-11-25,384027,28794,355233,1.0,58.1,29.4,5.3,7.2,BND:9.4%;GLD:21.9%;XLF:15.2%;BRK.B:9.8%;AMZN:21.9%;MSFT:21.9%,US:60.0;EU:17.0;APAC:12.5;EM:9.8;Other:0.9,Value:+0.3;Growth:+0.1;Quality:-0.0;Size:+0.6;Momentum:+0.7;LowVol:-0.7,ESGOnly;NoDerivatives,8,35,5.7,trailing 8%,91,14.5,Bear,29.8,3.71,2.9,186,-56,24,74,true,Hedge,Buy index puts 1% notional,-9,-30,BrokerB,MKT,97,VAR>budget,Hedge,Risk above budget threshold,120,-25,204,4,false,Tighten stops on momentum names
P6502,Opportunistic,401k,USD,2025-05-10,839705,31399,808306,1.0,60.3,16.1,18.6,4.9,HYG:23.0%;BND:23.0%;MUB:15.7%;AAPL:23.0%;AMZN:15.2%,US:67.1;EU:15.8;APAC:11.3;EM:5.0;Other:0.8,Value:+0.7;Growth:-1.0;Quality:+0.3;Size:-0.7;Momentum:-0.8;LowVol:+0.2,,10,30,4.3,trailing 7%,235,28.9,Volatile,24.8,5.28,2.3,119,50,62,64,true,Hedge,Buy index puts 1% notional,17,5,BrokerB,MKT,100,Drift>tolerance,Pause,Allocation drift beyond policy bands,105,-15,72,4,false,Monitor dispersion and breadth
P6503,Cautious,IRA,USD,2025-09-03,444019,45549,398470,1.0,48.9,41.1,0.0,10.0,BRK.B:18.8%;MSFT:16.5%;XLF:18.2%;TLT:20.6%;AMZN:15.0%;GLD:10.9%,US:66.4;EU:18.4;APAC:8.3;EM:4.4;Other:2.5,Value:-0.6;Growth:-0.3;Quality:-0.7;Size:-0.7;Momentum:+0.5;LowVol:-0.8,NoMargin,6,30,5.9,trailing 10%,97,12.5,Volatile,29.0,4.16,3.7,145,50,60,61,false,Rebalance,Shift +1% to bonds from equity,-15,-11,BrokerB,VWAP,85,None,None,Normal monitoring,80,18,105,4,false,Tax-aware sells next window
P6504,Hands-off,Taxable,USD,2024-10-29,734927,37445,697482,1.0,63.6,26.1,1.3,9.0,BRK.B:22.1%;VNQ:18.2%;IEF:22.1%;VTI:15.0%;MUB:15.4%;QQQ:7.2%,US:66.5;EU:14.0;APAC:12.6;EM:6.2;Other:0.7,Value:-0.6;Growth:+0.5;Quality:-0.3;Size:+0.5;Momentum:+0.6;LowVol:-0.8,NoDerivatives,5,30,3.9,trailing 8%,125,14.7,Bull,12.1,4.36,2.3,112,46,75,37,false,Buy,Add to core equity +1%,0,-11,BrokerA,VWAP,100,None,None,Normal monitoring,-20,0,7,5,false,Tax-aware sells next window
P6505,Hands-off,IRA,USD,2025-07-24,405720,27271,378449,1.0,67.6,27.5,0.0,4.9,TSLA:33.3%;IEF:33.3%;MSFT:33.3%,US:72.3;EU:10.2;APAC:7.1;EM:8.2;Other:2.2,Value:+0.6;Growth:-0.7;Quality:-0.8;Size:+0.4;Momentum:+0.2;LowVol:-0.7,ESGOnly;MaxPos8%,5,35,4.4,trailing 10%,110,16.3,Bull,12.7,4.61,3.1,81,18,46,47,false,Buy,Add to core equity +1%,-14,6,BrokerA,MKT,99,None,None,Normal monitoring,61,-58,53,3,false,Within IPS guidelines
P6506,Active,IRA,USD,2024-08-11,997162,88869,908293,1.0,50.1,23.8,19.4,6.7,XLF:18.0%;AAPL:23.2%;BND:17.4%;VOO:23.2%;MSFT:18.2%,US:68.6;EU:5.9;APAC:11.3;EM:10.5;Other:3.7,Value:+0.6;Growth:+0.7;Quality:-0.9;Size:-0.2;Momentum:+0.2;LowVol:-0.8,,6,25,5.4,hard 12%,164,26.6,Volatile,24.2,4.91,3.7,141,57,78,63,false,NoAction,Within bands; monitor,31,-16,BrokerD,LMT,95,None,None,Normal monitoring,-20,-57,2,5,false,Within IPS guidelines
P6507,Opportunistic,Roth,USD,2024-10-10,1759266,97473,1661793,1.0,66.9,17.4,8.1,7.6,BND:18.8%;TSLA:10.4%;VTI:24.0%;MUB:24.0%;AMZN:22.8%,US:56.0;EU:18.5;APAC:10.4;EM:11.2;Other:3.9,Value:-0.5;Growth:+0.1;Quality:+0.5;Size:+0.9;Momentum:+0.4;LowVol:+0.1,MaxPos5%,10,35,4.7,trailing 7%,210,33.6,Sideways,14.5,4.87,2.7,140,-24,40,48,false,Rebalance,Shift +1% to bonds from equity,24,0,BrokerA,VWAP,94,None,None,Normal monitoring,51,-9,189,4,false,Within IPS guidelines
P6508,Active,Taxable,USD,2024-07-06,872902,61848,811054,1.0,54.5,23.8,15.3,6.4,AMZN:27.1%;AAPL:27.1%;GLD:18.7%;VNQ:27.1%,US:64.5;EU:18.2;APAC:9.6;EM:3.9;Other:3.8,Value:+1.0;Growth:-0.4;Quality:-0.3;Size:+0.3;Momentum:-0.7;LowVol:+0.9,NoDerivatives,6,30,5.2,trailing 8%,127,21.5,Volatile,24.6,4.98,4.0,122,47,79,55,false,Buy,Add to core equity +1%,-5,1,BrokerC,LMT,94,None,None,Normal monitoring,38,1,46,3,false,Tighten stops on momentum names
P6509,Systematic,IRA,USD,2025-06-26,1354896,133508,1221388,1.0,65.7,25.5,0.5,8.2,QQQ:12.7%;VOO:20.5%;BND:20.5%;HYG:13.2%;TLT:20.5%;GLD:12.6%,US:71.8;EU:9.4;APAC:8.8;EM:6.3;Other:3.8,Value:-0.8;Growth:-1.0;Quality:+0.5;Size:+1.0;Momentum:-0.2;LowVol:+0.8,MaxPos7%,7,30,4.7,hard 12%,161,23.5,Bear,29.5,3.09,2.3,179,-25,25,70,true,Rebalance,Rebalance back to target bands,-4,-18,BrokerB,VWAP,98,RegimeShift,Reduce,Volatility spike and breadth deterioration,101,-11,94,5,false,Within IPS guidelines
P6510,Active,401k,USD,2024-07-29,1755980,200031,1555949,1.0,64.8,28.6,0.0,6.6,HYG:20.8%;TLT:22.2%;VOO:22.1%;BRK.B:12.7%;XLF:22.2%,US:68.6;EU:13.7;APAC:8.3;EM:5.2;Other:4.2,Value:+0.8;Growth:-0.6;Quality:-0.5;Size:+0.9;Momentum:+0.3;LowVol:-1.0,,5,25,4.8,hard 12%,157,21.9,Bull,14.6,3.74,2.8,91,111,100,48,false,Hedge,Add TLT +1% as duration hedge,-1,-27,BrokerD,LMT,86,None,None,Normal monitoring,114,-10,135,3,false,Increase defensive factor exposure
P6511,Active,401k,USD,2025-04-01,607220,62614,544606,1.0,60.7,27.4,2.2,9.8,VOO:19.9%;QQQ:26.7%;AAPL:26.7%;VNQ:26.7%,US:65.1;EU:8.9;APAC:12.5;EM:9.7;Other:3.8,Value:-0.2;Growth:+0.8;Quality:-0.8;Size:+0.2;Momentum:+0.2;LowVol:+0.4,MaxPos6%,5,25,4.3,hard 12%,194,25.5,Sideways,22.0,4.45,2.1,111,-13,34,64,false,Sell,Trim extended winner -1%,25,6,BrokerA,VWAP,100,None,None,Normal monitoring,62,-38,62,4,false,Within IPS guidelines
P6512,Active,Roth,USD,2025-05-17,528586,39677,488909,1.0,53.7,27.5,13.8,5.0,HYG:23.9%;MSFT:23.9%;QQQ:14.6%;VTI:13.8%;AAPL:23.9%,US:56.1;EU:13.9;APAC:16.1;EM:11.6;Other:2.3,Value:+1.0;Growth:+0.7;Quality:-0.2;Size:-0.3;Momentum:+0.5;LowVol:-0.2,NoDerivatives,8,35,4.5,trailing 9%,226,24.7,Volatile,21.7,4.41,2.5,141,-22,49,54,false,Sell,Trim extended winner -1%,26,-5,BrokerB,MKT,94,None,None,Normal monitoring,-19,-24,-40,4,false,Increase defensive factor exposure
P6513,Opportunistic,IRA,USD,2025-09-14,761185,52733,708452,1.0,64.1,16.3,13.6,6.0,TLT:16.5%;XLF:19.3%;MSFT:20.9%;HYG:21.7%;MUB:21.7%,US:60.9;EU:12.2;APAC:13.3;EM:10.5;Other:3.0,Value:+0.1;Growth:-0.7;Quality:-0.9;Size:-0.0;Momentum:-0.8;LowVol:-0.9,,5,30,6.5,hard 12%,217,34.6,Bull,14.3,3.52,2.9,71,102,86,40,false,NoAction,Within bands; monitor,32,5,BrokerA,VWAP,92,None,None,Normal monitoring,72,3,67,5,false,Tighten stops on momentum names
P6514,Active,401k,USD,2025-02-15,591786,44965,546821,1.0,50.7,28.2,14.3,6.8,AMZN:18.5%;AAPL:23.1%;VOO:12.2%;VNQ:23.1%;TSLA:23.1%,US:58.3;EU:17.7;APAC:14.3;EM:7.5;Other:2.3,Value:+0.8;Growth:+0.2;Quality:+0.6;Size:+1.0;Momentum:+0.5;LowVol:-0.8,,8,25,4.1,trailing 8%,147,25.6,Volatile,21.9,4.66,3.5,147,5,56,60,false,Sell,Trim extended winner -1%,19,12,BrokerB,MKT,85,None,None,Normal monitoring,7,-57,26,3,false,Monitor dispersion and breadth
P6515,Opportunistic,Roth,USD,2024-10-14,533118,47116,486002,1.19,66.8,15.8,13.2,4.1,VOO:22.2%;TLT:21.1%;VTI:22.2%;MSFT:21.2%;XLF:13.3%,US:64.2;EU:9.8;APAC:9.8;EM:11.6;Other:4.6,Value:-0.6;Growth:-0.9;Quality:+0.2;Size:+0.6;Momentum:-0.7;LowVol:-0.3,NoDerivatives,5,25,6.8,trailing 7%,261,20.4,Bear,31.3,3.82,1.4,156,-56,9,72,true,Reduce,"Cut high-beta by 2-3%, add cash",-7,2,BrokerD,LMT,91,RegimeShift,TightenStops,Volatility spike and breadth deterioration,6,3,21,4,false,Increase defensive factor exposure
P6516,Cautious,Taxable,USD,2025-02-02,808783,90857,717926,1.0,44.8,36.3,7.6,11.3,XLF:34.3%;MSFT:34.3%;VNQ:31.4%,US:65.6;EU:11.5;APAC:15.9;EM:3.8;Other:3.2,Value:+0.7;Growth:+0.8;Quality:-0.2;Size:-0.4;Momentum:+0.8;LowVol:-0.5,ESGOnly;NoMargin,5,25,5.2,trailing 8%,144,14.3,Sideways,17.8,4.01,2.0,112,-18,34,32,false,Sell,Trim extended winner -1%,-10,-33,BrokerB,LMT,85,None,None,Normal monitoring,93,-57,221,5,false,Within IPS guidelines
P6517,Active,IRA,USD,2024-09-16,761935,72838,689097,1.15,53.0,19.0,20.6,7.4,TSLA:36.3%;VOO:29.9%;AAPL:33.8%,US:62.9;EU:14.6;APAC:10.0;EM:9.7;Other:2.8,Value:-0.2;Growth:-0.3;Quality:-0.9;Size:-0.3;Momentum:-0.1;LowVol:+0.5,MaxPos5%;NoDerivatives,6,25,5.4,trailing 9%,142,18.8,Bull,16.8,4.76,3.1,114,41,82,36,false,Hedge,Add TLT +1% as duration hedge,22,1,BrokerC,MKT,93,None,None,Normal monitoring,-50,-31,-4,4,false,Tax-aware sells next window
P6518,Active,Roth,USD,2024-07-16,2084433,209396,1875037,1.0,50.1,24.5,16.7,8.7,IEF:33.3%;AMZN:33.3%;MUB:33.3%,US:64.2;EU:17.9;APAC:10.8;EM:3.8;Other:3.3,Value:-0.7;Growth:-0.9;Quality:+0.3;Size:+0.9;Momentum:+0.4;LowVol:+0.3,,6,35,5.5,trailing 8%,201,19.3,Bull,12.5,3.52,3.0,97,97,100,25,false,Rebalance,Shift +1% to bonds from equity,-1,-20,BrokerB,LMT,85,None,None,Normal monitoring,12,-15,81,3,false,Within IPS guidelines
P6519,Systematic,401k,USD,2025-12-15,456089,29440,426649,1.0,67.7,24.6,1.2,6.5,TLT:22.5%;TSLA:24.1%;AMZN:13.2%;AAPL:24.1%;QQQ:16.1%,US:67.6;EU:12.4;APAC:13.5;EM:2.8;Other:3.7,Value:-0.8;Growth:+0.7;Quality:+1.0;Size:-0.8;Momentum:-0.7;LowVol:-1.0,MaxPos5%;NoDerivatives,10,35,4.4,trailing 9%,227,23.2,Bull,16.6,4.67,2.8,76,111,100,55,false,Buy,Add to core equity +1%,12,-4,BrokerB,LMT,99,None,None,Normal monitoring,46,-3,96,5,false,Increase defensive factor exposure
P6520,Active,Taxable,USD,2025-01-20,794318,68343,725975,1.22,53.0,26.7,12.7,7.7,TLT:19.3%;BND:10.1%;XLF:19.9%;TSLA:20.1%;MUB:12.7%;GLD:17.9%,US:68.4;EU:10.9;APAC:10.3;EM:8.7;Other:1.8,Value:-0.3;Growth:+0.1;Quality:-0.2;Size:-0.5;Momentum:-0.6;LowVol:+0.7,MaxPos6%,6,25,4.9,trailing 9%,170,16.7,Bull,14.8,4.03,3.4,94,93,87,34,false,Hedge,Add TLT +1% as duration hedge,33,-22,BrokerC,LMT,91,None,None,Normal monitoring,106,0,204,4,false,Tax-aware sells next window
P6521,Hands-off,Roth,USD,2025-08-26,262422,20037,242385,1.0,64.4,18.1,11.3,6.2,VNQ:13.0%;IEF:20.8%;VOO:20.8%;TLT:20.8%;AMZN:16.7%;TSLA:8.0%,US:66.6;EU:10.4;APAC:13.4;EM:8.6;Other:1.0,Value:+0.5;Growth:-0.9;Quality:+0.4;Size:+0.2;Momentum:+0.9;LowVol:-0.1,MaxPos5%,6,25,5.3,trailing 10%,135,12.0,Volatile,27.6,4.48,3.3,123,63,78,70,false,NoAction,Within bands; monitor,15,-3,BrokerA,LMT,92,None,None,Normal monitoring,1,-13,42,5,false,Within IPS guidelines
P6522,Active,Trust,USD,2024-08-30,674182,63194,610988,1.0,58.6,25.2,6.7,9.5,XLF:29.4%;VNQ:35.3%;AAPL:35.3%,US:80.3;EU:6.8;APAC:8.4;EM:4.1;Other:0.5,Value:-0.9;Growth:+0.5;Quality:-0.4;Size:-0.9;Momentum:-1.0;LowVol:-0.5,MaxPos5%,5,35,5.5,trailing 9%,163,24.0,Sideways,14.8,4.88,2.5,130,43,79,49,false,Hedge,Add TLT +1% as duration hedge,-4,-37,BrokerB,MKT,87,None,None,Normal monitoring,42,-3,28,4,false,Tighten stops on momentum names
P6523,Cautious,IRA,USD,2024-09-03,260226,23953,236273,1.0,50.1,38.7,0.0,11.2,VTI:21.4%;TLT:21.4%;MUB:6.7%;TSLA:21.4%;QQQ:21.4%;XLF:7.5%,US:73.1;EU:8.0;APAC:8.2;EM:6.4;Other:4.3,Value:-0.7;Growth:-0.8;Quality:+0.4;Size:-0.1;Momentum:-0.3;LowVol:-0.3,ESGOnly;NoDerivatives;NoMargin,8,35,3.1,trailing 8%,109,13.6,Volatile,27.2,4.62,3.1,167,-40,27,61,false,NoAction,Within bands; monitor,-11,14,BrokerC,MKT,0,None,None,Normal monitoring,77,-40,162,4,false,Increase defensive factor exposure
P6524,Opportunistic,IRA,USD,2024-09-27,1467342,82511,1384831,1.14,63.3,12.9,19.0,4.9,IEF:14.7%;HYG:24.2%;BND:18.8%;QQQ:18.1%;TSLA:24.2%,US:66.7;EU:13.2;APAC:11.1;EM:4.0;Other:5.1,Value:-0.0;Growth:-0.2;Quality:-0.8;Size:-0.2;Momentum:+0.3;LowVol:+0.3,,6,30,4.5,trailing 9%,200,32.4,Bull,15.5,4.44,3.5,102,110,100,41,false,Rebalance,Shift +1% to bonds from equity,2,-22,BrokerD,LMT,95,None,None,Normal monitoring,78,19,164,3,false,Tighten stops on momentum names
P6525,Hands-off,401k,USD,2024-09-12,211926,13265,198661,1.0,61.4,18.7,13.2,6.6,AMZN:7.2%;BND:21.5%;GLD:15.0%;TLT:21.5%;TSLA:16.8%;HYG:18.0%,US:70.9;EU:10.3;APAC:8.5;EM:9.1;Other:1.1,Value:+0.7;Growth:-0.3;Quality:-0.4;Size:+1.0;Momentum:+0.2;LowVol:-0.5,,5,25,3.4,trailing 10%,154,17.0,Bear,33.4,3.54,1.9,148,6,45,73,true,Rebalance,Rebalance back to target bands,-2,-28,BrokerC,LMT,89,Drift>tolerance,Hedge,Allocation drift beyond policy bands,106,-1,122,4,false,Tax-aware sells next window
P6526,Opportunistic,401k,USD,2025-08-03,1596059,93921,1502138,1.0,70.2,20.4,3.2,6.2,TLT:27.3%;BND:27.3%;TSLA:18.2%;VOO:27.3%,US:79.0;EU:5.6;APAC:9.7;EM:4.8;Other:1.0,Value:+0.9;Growth:-0.9;Quality:-0.9;Size:-0.6;Momentum:+0.7;LowVol:+1.0,MaxPos5%,10,25,6.5,trailing 7%,179,26.4,Bear,34.8,4.32,2.2,166,-41,21,88,true,Reduce,"Cut high-beta by 2-3%, add cash",27,12,BrokerA,LMT,87,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-18,-57,-19,5,false,Monitor dispersion and breadth
P6527,Opportunistic,401k,USD,2025-05-13,1220698,55183,1165515,1.09,62.5,11.5,21.5,4.5,AMZN:23.5%;MSFT:23.5%;BRK.B:23.5%;BND:10.5%;VNQ:8.6%;VTI:10.5%,US:74.3;EU:5.1;APAC:8.1;EM:11.2;Other:1.3,Value:-0.1;Growth:0.0;Quality:+0.5;Size:-0.5;Momentum:-0.5;LowVol:+0.8,,6,30,5.9,trailing 7%,215,20.1,Sideways,15.4,4.01,3.2,124,37,61,44,false,Sell,Trim extended winner -1%,-8,-13,BrokerD,LMT,89,None,None,Normal monitoring,45,-53,130,4,false,Monitor dispersion and breadth
P6528,Opportunistic,IRA,USD,2025-10-29,519836,42240,477596,1.0,66.7,12.2,17.1,4.0,VNQ:9.2%;QQQ:17.2%;AMZN:18.7%;MSFT:20.8%;BND:13.6%;AAPL:20.5%,US:65.6;EU:9.2;APAC:13.6;EM:10.3;Other:1.3,Value:-0.3;Growth:-0.8;Quality:+0.6;Size:+0.3;Momentum:-0.5;LowVol:-0.0,,5,25,4.7,trailing 7%,218,26.6,Bull,13.6,4.22,3.3,118,50,89,42,false,Rebalance,Shift +1% to bonds from equity,-9,-11,BrokerD,LMT,88,None,None,Normal monitoring,80,-7,70,3,false,Tighten stops on momentum names
P6529,Hands-off,401k,USD,2025-03-31,312379,25518,286861,1.0,69.8,25.4,0.0,4.7,IEF:21.7%;BRK.B:10.0%;VTI:12.3%;AMZN:21.7%;QQQ:21.7%;GLD:12.5%,US:59.4;EU:16.6;APAC:14.9;EM:4.9;Other:4.1,Value:+0.9;Growth:+0.6;Quality:-0.5;Size:+0.1;Momentum:-0.9;LowVol:0.0,,10,35,4.3,trailing 8%,133,19.9,Sideways,18.3,3.77,3.4,95,10,54,58,false,Buy,Add to core equity +1%,-5,0,BrokerD,MKT,97,None,None,Normal monitoring,35,8,76,5,false,Within IPS guidelines
P6530,Hands-off,401k,USD,2025-03-28,370853,18731,352122,1.0,66.3,20.4,4.4,8.9,HYG:34.5%;AMZN:31.1%;GLD:34.5%,US:68.8;EU:13.8;APAC:6.2;EM:7.1;Other:4.0,Value:-0.7;Growth:+0.9;Quality:+0.7;Size:+0.7;Momentum:-1.0;LowVol:-0.2,MaxPos6%,8,25,3.2,trailing 10%,92,18.8,Volatile,30.1,5.48,2.9,145,-12,53,88,true,Hedge,Buy index puts 1% notional,31,-22,BrokerD,LMT,87,VAR>budget,Pause,Risk above budget threshold,72,-51,187,4,false,Increase defensive factor exposure
P6531,Hands-off,401k,USD,2024-09-30,629074,62050,567024,1.0,70.9,20.3,0.0,8.8,MSFT:27.5%;VNQ:27.5%;QQQ:27.5%;BRK.B:17.6%,US:65.0;EU:10.9;APAC:13.3;EM:7.1;Other:3.7,Value:-0.6;Growth:+0.2;Quality:+0.3;Size:-0.0;Momentum:-1.0;LowVol:-0.4,ESGOnly;MaxPos7%,7,35,4.2,trailing 8%,111,18.3,Bear,24.3,3.04,2.6,137,-112,5,72,true,Reduce,"Cut high-beta by 2-3%, add cash",28,5,BrokerC,MKT,94,Drift>tolerance,Reduce,Allocation drift beyond policy bands,114,-9,198,4,false,Within IPS guidelines
P6532,Systematic,Roth,USD,2025-02-14,1053689,55701,997988,1.0,56.7,31.4,5.1,6.8,BRK.B:15.0%;TLT:13.6%;MUB:20.9%;VNQ:15.0%;IEF:20.9%;VTI:14.6%,US:73.3;EU:9.0;APAC:8.4;EM:6.8;Other:2.5,Value:-0.3;Growth:+0.7;Quality:-0.4;Size:-0.9;Momentum:+0.8;LowVol:-0.4,,10,30,4.3,trailing 8%,176,22.1,Bull,12.1,3.69,2.1,87,30,56,30,true,Hedge,Buy index puts 1% notional,23,-28,BrokerC,LMT,99,RegimeShift,Hedge,Volatility spike and breadth deterioration,116,-54,225,4,true,Tax-aware sells next window
P6533,Systematic,Taxable,USD,2024-11-25,1410748,93591,1317157,1.0,64.4,30.2,0.0,5.4,BRK.B:33.3%;AAPL:33.3%;VTI:33.3%,US:55.3;EU:16.1;APAC:13.9;EM:11.1;Other:3.6,Value:-0.9;Growth:-0.9;Quality:-1.0;Size:+0.5;Momentum:-0.4;LowVol:+0.1,MaxPos7%,7,25,4.3,trailing 9%,144,16.9,Sideways,14.9,3.56,2.1,90,55,83,49,false,Sell,Trim extended winner -1%,-15,-14,BrokerD,MKT,89,None,None,Normal monitoring,69,-18,125,5,false,Increase defensive factor exposure
P6534,Active,401k,USD,2024-08-11,545107,52894,492213,1.0,50.5,24.1,19.0,6.4,AMZN:33.3%;QQQ:33.3%;TLT:33.3%,US:63.8;EU:14.9;APAC:8.0;EM:8.8;Other:4.5,Value:-0.5;Growth:-0.7;Quality:-0.5;Size:+0.5;Momentum:-0.1;LowVol:-1.0,,7,35,4.3,trailing 8%,174,22.5,Bear,22.5,3.51,1.3,152,-42,35,48,false,Rebalance,Shift +1% to bonds from equity,-3,6,BrokerC,MKT,93,None,None,Normal monitoring,40,-44,22,5,false,Within IPS guidelines
P6535,Cautious,Taxable,USD,2025-08-21,167570,23640,143930,1.0,41.7,40.4,7.0,11.0,QQQ:11.5%;VOO:22.1%;MUB:22.1%;TLT:8.5%;VNQ:13.9%;GLD:22.1%,US:80.9;EU:5.8;APAC:9.1;EM:4.2;Other:0.1,Value:-0.6;Growth:-0.9;Quality:+0.1;Size:+0.3;Momentum:+0.1;LowVol:+1.0,NoMargin,10,25,3.7,trailing 10%,157,17.7,Sideways,17.8,3.95,2.4,114,1,52,38,false,Sell,Trim extended winner -1%,25,-9,BrokerC,MKT,97,None,None,Normal monitoring,96,0,173,3,false,Tax-aware sells next window
P6536,Systematic,Roth,USD,2024-08-20,1089219,47571,1041648,1.0,63.6,31.4,0.0,5.0,BND:18.3%;GLD:8.2%;HYG:20.5%;VNQ:20.5%;AMZN:16.3%;VOO:16.1%,US:71.5;EU:11.4;APAC:7.6;EM:8.4;Other:1.1,Value:-0.4;Growth:-1.0;Quality:+0.1;Size:+0.5;Momentum:-0.0;LowVol:+0.2,,6,30,5.0,trailing 9%,211,19.9,Bull,13.6,4.37,2.3,97,86,100,49,true,Rebalance,Rebalance back to target bands,-4,10,BrokerC,LMT,99,VAR>budget,Reduce,Risk above budget threshold,62,-20,120,4,false,Tighten stops on momentum names
P6537,Hands-off,401k,USD,2024-10-24,551506,25841,525665,1.0,69.1,23.3,0.0,7.5,XLF:9.2%;BND:19.8%;GLD:18.7%;TSLA:21.3%;TLT:9.6%;AMZN:21.3%,US:61.2;EU:10.2;APAC:13.8;EM:10.6;Other:4.2,Value:+0.6;Growth:+0.9;Quality:+0.6;Size:+0.2;Momentum:-0.6;LowVol:-0.5,ESGOnly;MaxPos7%,10,30,5.2,trailing 10%,129,19.1,Bull,12.7,4.04,3.1,70,49,64,44,false,Sell,Trim extended winner -1%,27,6,BrokerD,LMT,90,None,None,Normal monitoring,-30,-51,36,3,false,Within IPS guidelines
P6538,Systematic,IRA,USD,2025-12-11,1961240,180208,1781032,1.0,60.4,32.3,0.0,7.3,VTI:14.8%;GLD:9.0%;IEF:18.0%;BND:21.5%;QQQ:15.1%;MUB:21.5%,US:67.0;EU:5.9;APAC:13.8;EM:10.4;Other:3.0,Value:+0.8;Growth:0.0;Quality:+0.7;Size:+0.8;Momentum:-0.3;LowVol:+0.7,,8,35,5.8,trailing 9%,220,17.4,Volatile,28.9,4.24,4.1,148,-44,24,75,true,Hedge,Buy index puts 1% notional,9,-3,BrokerC,MKT,91,VAR>budget,Reduce,Risk above budget threshold,-4,-32,119,5,true,Within IPS guidelines
P6539,Cautious,Taxable,USD,2025-09-09,757045,80242,676803,1.0,38.9,35.8,11.8,13.5,TLT:28.0%;VOO:16.1%;VNQ:28.0%;HYG:28.0%,US:65.3;EU:14.8;APAC:10.3;EM:5.0;Other:4.6,Value:+0.7;Growth:+0.5;Quality:-0.2;Size:-0.4;Momentum:+0.5;LowVol:-0.2,ESGOnly;MaxPos7%;NoMargin,7,30,5.6,trailing 8%,150,14.8,Volatile,28.4,4.95,3.7,154,-35,37,53,false,NoAction,Within bands; monitor,33,-27,BrokerB,MKT,0,None,None,Normal monitoring,-12,11,-13,4,false,Tax-aware sells next window
P6540,Cautious,Roth,USD,2025-11-13,864416,116423,747993,1.0,48.1,32.6,4.6,14.7,TLT:33.3%;BRK.B:33.3%;VTI:33.3%,US:70.1;EU:12.4;APAC:5.5;EM:8.8;Other:3.2,Value:-0.9;Growth:+0.2;Quality:-0.9;Size:0.0;Momentum:+0.2;LowVol:+0.4,MaxPos5%;NoMargin,10,35,3.0,hard 10%,129,13.7,Sideways,20.9,4.11,2.9,104,31,72,40,false,Rebalance,Shift +1% to bonds from equity,-8,-36,BrokerD,LMT,97,None,None,Normal monitoring,3,14,19,3,false,Within IPS guidelines
P6541,Systematic,Roth,USD,2024-08-02,1070101,92970,977131,1.0,60.3,31.0,0.0,8.7,VNQ:14.5%;AMZN:23.3%;BND:23.3%;TSLA:23.3%;XLF:15.7%,US:66.8;EU:15.6;APAC:8.7;EM:8.1;Other:0.8,Value:-0.8;Growth:-0.0;Quality:+0.9;Size:-0.9;Momentum:-0.7;LowVol:+1.0,,5,25,4.9,trailing 8%,199,20.0,Bull,11.4,4.44,2.1,111,64,87,31,false,Buy,Add to core equity +1%,27,-39,BrokerC,LMT,89,None,None,Normal monitoring,19,18,102,5,false,Monitor dispersion and breadth
P6542,Cautious,IRA,USD,2025-07-26,860793,97790,763003,1.0,38.8,43.4,1.6,16.3,VNQ:17.4%;QQQ:12.7%;XLF:20.5%;TLT:14.1%;BRK.B:20.5%;MSFT:14.7%,US:62.6;EU:15.4;APAC:12.3;EM:9.3;Other:0.4,Value:+0.9;Growth:-0.6;Quality:+0.5;Size:+0.1;Momentum:+0.2;LowVol:-0.0,ESGOnly;NoMargin,5,35,3.0,trailing 8%,127,19.7,Volatile,28.6,4.47,2.3,172,72,94,63,false,Buy,Add to core equity +1%,21,-36,BrokerB,MKT,88,None,None,Normal monitoring,-30,-46,-17,4,false,Increase defensive factor exposure
P6543,Active,Roth,USD,2024-08-14,1974701,169905,1804796,1.0,67.6,26.4,0.0,6.0,QQQ:23.7%;TSLA:21.9%;BRK.B:13.8%;GLD:17.0%;VNQ:23.7%,US:67.4;EU:13.4;APAC:10.2;EM:6.5;Other:2.4,Value:-0.9;Growth:+0.7;Quality:-0.0;Size:-0.6;Momentum:+0.9;LowVol:-0.3,MaxPos7%,10,35,4.2,trailing 8%,217,18.8,Volatile,25.3,4.54,4.2,127,-19,55,62,false,NoAction,Within bands; monitor,25,4,BrokerB,LMT,95,None,None,Normal monitoring,113,-21,118,3,false,Within IPS guidelines
P6544,Opportunistic,Taxable,USD,2024-07-04,1463909,104573,1359336,1.0,76.3,15.7,0.0,8.0,AMZN:21.4%;MUB:9.9%;AAPL:12.6%;VTI:21.4%;IEF:21.4%;TLT:13.2%,US:71.2;EU:6.3;APAC:13.4;EM:5.1;Other:3.9,Value:-0.7;Growth:-0.9;Quality:+0.6;Size:+0.5;Momentum:-0.4;LowVol:-0.5,NoDerivatives,6,30,6.9,hard 12%,176,33.4,Sideways,15.0,3.53,3.4,138,37,60,45,false,Rebalance,Shift +1% to bonds from equity,-11,-11,BrokerC,LMT,93,None,None,Normal monitoring,46,13,85,3,false,Monitor dispersion and breadth
P6545,Active,401k,USD,2024-12-31,1821598,186530,1635068,1.0,63.2,28.6,0.0,8.2,AAPL:17.5%;HYG:27.5%;AMZN:27.5%;TSLA:27.5%,US:54.5;EU:15.4;APAC:15.7;EM:9.3;Other:5.1,Value:+0.2;Growth:+0.6;Quality:-0.9;Size:+1.0;Momentum:-0.6;LowVol:-0.9,MaxPos8%,6,30,5.7,trailing 8%,142,19.6,Bull,15.3,4.76,3.2,100,83,76,38,false,Sell,Trim extended winner -1%,17,-8,BrokerC,VWAP,87,None,None,Normal monitoring,24,-41,154,5,false,Monitor dispersion and breadth
P6546,Active,401k,USD,2025-02-16,2471969,238561,2233408,1.0,68.5,23.7,1.4,6.4,TLT:23.8%;HYG:25.4%;IEF:25.4%;VTI:25.4%,US:63.7;EU:10.6;APAC:14.4;EM:6.7;Other:4.6,Value:-0.5;Growth:+0.5;Quality:-0.5;Size:+1.0;Momentum:-0.9;LowVol:+0.5,,8,30,5.3,trailing 9%,219,22.7,Volatile,29.3,5.43,4.4,157,-28,48,83,true,Hedge,Buy index puts 1% notional,30,-30,BrokerA,MKT,89,Drift>tolerance,Hedge,Allocation drift beyond policy bands,54,-32,32,2,false,Tighten stops on momentum names
P6547,Cautious,401k,USD,2024-11-06,262757,22909,239848,1.0,40.9,36.2,5.4,17.5,VTI:21.3%;VNQ:11.6%;TLT:22.4%;QQQ:11.6%;IEF:10.7%;HYG:22.4%,US:73.3;EU:6.0;APAC:9.7;EM:6.8;Other:4.2,Value:-0.1;Growth:+0.8;Quality:-0.7;Size:-0.3;Momentum:-0.7;LowVol:-0.6,MaxPos6%;NoMargin,6,35,3.9,trailing 8%,123,14.9,Sideways,14.7,3.81,2.2,135,32,60,36,true,Hedge,Buy index puts 1% notional,-3,-21,BrokerC,LMT,88,VAR>budget,Hedge,Risk above budget threshold,-7,-27,-44,5,false,Tighten stops on momentum names
P6548,Opportunistic,Roth,USD,2025-09-30,1750444,126118,1624326,1.0,65.3,15.7,14.4,4.6,AMZN:20.6%;MSFT:15.2%;TSLA:19.2%;QQQ:7.2%;VOO:17.2%;VNQ:20.7%,US:58.6;EU:18.0;APAC:11.2;EM:10.8;Other:1.4,Value:-0.4;Growth:+0.2;Quality:+0.9;Size:+0.6;Momentum:+0.2;LowVol:-0.6,NoDerivatives,8,30,5.1,trailing 7%,218,34.0,Volatile,31.5,5.3,3.3,180,52,85,90,true,Hedge,Buy index puts 1% notional,21,-19,BrokerC,LMT,100,Drift>tolerance,Reduce,Allocation drift beyond policy bands,8,13,-15,5,false,Within IPS guidelines
P6549,Opportunistic,IRA,USD,2025-08-26,1772071,135899,1636172,1.18,65.6,10.9,15.7,7.8,TSLA:20.9%;QQQ:20.9%;XLF:7.6%;HYG:19.2%;BRK.B:11.3%;VNQ:20.1%,US:60.9;EU:11.8;APAC:14.2;EM:9.9;Other:3.3,Value:+1.0;Growth:-0.2;Quality:+0.8;Size:+0.8;Momentum:+0.4;LowVol:+0.3,NoDerivatives,10,30,4.8,trailing 7%,211,26.6,Sideways,14.8,4.58,2.0,97,51,70,43,false,Buy,Add to core equity +1%,-11,10,BrokerD,LMT,86,None,None,Normal monitoring,-42,-53,-42,4,false,Monitor dispersion and breadth
P6550,Cautious,401k,USD,2025-07-25,852998,131184,721814,1.0,39.6,36.8,5.8,17.8,TSLA:13.5%;MUB:21.5%;BND:21.5%;MSFT:21.3%;VNQ:10.5%;AAPL:11.7%,US:57.0;EU:16.8;APAC:14.7;EM:7.7;Other:3.9,Value:+0.3;Growth:-0.5;Quality:-0.0;Size:-0.9;Momentum:-0.2;LowVol:0.0,NoDerivatives;NoMargin,5,25,5.0,trailing 8%,157,17.2,Sideways,18.3,4.66,2.9,117,9,56,46,false,Buy,Add to core equity +1%,18,-30,BrokerC,MKT,91,None,None,Normal monitoring,109,-36,171,5,false,Increase defensive factor exposure
P6551,Cautious,IRA,USD,2025-10-02,844056,108046,736010,1.0,39.4,34.5,9.1,17.0,HYG:33.3%;MUB:33.3%;VOO:33.3%,US:75.2;EU:7.7;APAC:6.4;EM:6.1;Other:4.5,Value:-0.8;Growth:-0.0;Quality:+0.5;Size:-0.2;Momentum:+0.7;LowVol:+0.7,NoMargin,8,35,4.5,trailing 10%,166,13.7,Sideways,20.3,4.16,2.5,133,-20,44,40,true,Reduce,"Cut high-beta by 2-3%, add cash",-1,-11,BrokerC,LMT,97,Drift>tolerance,Hedge,Allocation drift beyond policy bands,68,-40,95,2,false,Increase defensive factor exposure
P6552,Active,Roth,USD,2024-08-23,1714077,117455,1596622,1.0,65.0,30.1,0.0,4.9,TLT:13.1%;MUB:20.0%;VOO:15.8%;XLF:15.9%;QQQ:19.8%;TSLA:15.4%,US:64.6;EU:15.6;APAC:10.8;EM:8.0;Other:0.9,Value:+0.4;Growth:-0.1;Quality:-0.4;Size:+0.2;Momentum:-0.9;LowVol:+0.9,,6,30,4.9,trailing 8%,177,25.6,Sideways,14.2,4.81,2.4,132,46,58,39,true,Reduce,"Cut high-beta by 2-3%, add cash",5,-17,BrokerA,MKT,95,RegimeShift,Reduce,Volatility spike and breadth deterioration,21,-39,38,2,false,Tighten stops on momentum names
P6553,Active,Taxable,USD,2025-03-17,1443069,137282,1305787,1.0,50.1,28.0,15.3,6.6,MSFT:29.2%;AMZN:35.4%;HYG:35.4%,US:82.1;EU:5.4;APAC:5.8;EM:4.5;Other:2.3,Value:-0.1;Growth:-0.1;Quality:-0.2;Size:+0.8;Momentum:+0.4;LowVol:+0.5,,8,35,5.7,trailing 8%,226,27.6,Bull,12.6,4.1,2.1,119,21,65,27,false,NoAction,Within bands; monitor,33,5,BrokerD,VWAP,98,None,None,Normal monitoring,68,-49,131,4,false,Within IPS guidelines
P6554,Opportunistic,Roth,USD,2025-08-09,1634512,91120,1543392,1.0,66.9,21.3,7.5,4.3,TSLA:26.5%;VOO:25.0%;XLF:26.5%;TLT:22.1%,US:70.1;EU:5.6;APAC:10.7;EM:8.9;Other:4.7,Value:-0.8;Growth:+0.2;Quality:+0.3;Size:+0.4;Momentum:-0.2;LowVol:+0.7,MaxPos6%,8,35,5.6,hard 12%,211,26.5,Bull,13.5,4.54,3.3,96,26,70,52,false,NoAction,Within bands; monitor,33,8,BrokerD,LMT,98,None,None,Normal monitoring,69,0,159,4,false,Monitor dispersion and breadth
P6555,Systematic,IRA,USD,2025-04-09,680681,35916,644765,1.0,59.1,28.0,2.8,10.0,AAPL:14.4%;MSFT:14.2%;QQQ:21.6%;VTI:19.4%;IEF:21.6%;HYG:8.8%,US:64.4;EU:20.3;APAC:6.2;EM:5.0;Other:4.1,Value:-0.6;Growth:-0.4;Quality:-0.9;Size:+0.3;Momentum:-0.6;LowVol:-0.1,MaxPos5%,6,25,5.0,hard 12%,125,19.7,Sideways,20.7,3.97,2.5,117,-28,35,55,true,Reduce,"Cut high-beta by 2-3%, add cash",14,8,BrokerD,LMT,97,RegimeShift,Reduce,Volatility spike and breadth deterioration,-54,-2,-19,3,false,Monitor dispersion and breadth
P6556,Cautious,IRA,USD,2025-12-25,210714,19185,191529,1.0,45.7,34.3,6.7,13.3,BRK.B:18.0%;GLD:24.0%;IEF:10.0%;VOO:24.0%;MSFT:24.0%,US:62.2;EU:17.1;APAC:10.7;EM:9.4;Other:0.6,Value:+0.3;Growth:+0.4;Quality:-0.2;Size:-0.5;Momentum:+0.8;LowVol:+0.2,NoDerivatives;NoMargin,7,25,5.6,hard 10%,108,15.4,Bull,17.1,4.13,2.4,80,15,46,49,false,Rebalance,Shift +1% to bonds from equity,-4,5,BrokerD,LMT,89,None,None,Normal monitoring,-9,-49,-33,5,false,Tighten stops on momentum names
P6557,Cautious,401k,USD,2025-11-30,421946,44275,377671,1.0,46.0,33.2,5.7,15.2,AMZN:18.5%;VNQ:13.2%;VTI:12.2%;MSFT:23.3%;BRK.B:9.4%;MUB:23.3%,US:73.6;EU:8.6;APAC:6.3;EM:8.5;Other:3.0,Value:-0.2;Growth:+0.2;Quality:+0.1;Size:+0.9;Momentum:-0.0;LowVol:-0.5,ESGOnly;MaxPos5%;NoMargin,8,30,3.4,trailing 10%,133,15.9,Sideways,16.5,3.7,3.5,111,28,74,37,false,Rebalance,Shift +1% to bonds from equity,26,-9,BrokerD,MKT,93,None,None,Normal monitoring,45,-52,101,5,false,Tighten stops on momentum names
P6558,Cautious,IRA,USD,2025-06-15,681101,55225,625876,1.0,44.1,42.0,3.7,10.2,BND:25.7%;XLF:25.7%;VNQ:25.7%;MSFT:22.9%,US:74.7;EU:6.5;APAC:8.9;EM:8.6;Other:1.3,Value:+0.6;Growth:-0.3;Quality:-0.7;Size:-0.5;Momentum:+0.7;LowVol:+0.3,NoMargin,8,25,4.6,trailing 8%,138,16.9,Bull,14.2,4.25,3.4,90,30,75,26,false,Rebalance,Shift +1% to bonds from equity,-9,-25,BrokerD,MKT,95,None,None,Normal monitoring,-10,18,-28,5,false,Monitor dispersion and breadth
P6559,Cautious,IRA,USD,2025-08-07,623281,86085,537196,1.0,39.7,31.8,13.2,15.3,VNQ:20.1%;XLF:11.5%;AMZN:19.5%;TLT:12.1%;AAPL:20.5%;BRK.B:16.3%,US:65.8;EU:7.9;APAC:13.5;EM:8.2;Other:4.6,Value:-1.0;Growth:-0.0;Quality:-0.5;Size:-0.3;Momentum:-0.7;LowVol:+0.6,MaxPos5%;NoMargin,6,35,5.9,trailing 8%,112,17.0,Bull,11.8,4.29,3.3,73,63,72,21,false,Buy,Add to core equity +1%,-13,-24,BrokerA,LMT,100,None,None,Normal monitoring,-23,-58,-2,3,false,Within IPS guidelines
P6560,Active,Roth,USD,2024-11-30,1661582,130540,1531042,1.0,61.3,25.0,6.0,7.7,MUB:14.9%;MSFT:20.9%;GLD:14.4%;VTI:9.0%;QQQ:21.1%;BND:19.7%,US:62.9;EU:14.9;APAC:13.6;EM:6.6;Other:2.0,Value:+0.5;Growth:+0.7;Quality:-0.2;Size:-0.7;Momentum:-0.1;LowVol:+0.5,,7,35,5.4,trailing 8%,173,26.6,Bear,31.7,3.47,1.4,180,7,51,81,true,Reduce,"Cut high-beta by 2-3%, add cash",3,-5,BrokerD,MKT,94,VAR>budget,Hedge,Risk above budget threshold,15,-27,29,3,false,Monitor dispersion and breadth
P6561,Hands-off,IRA,USD,2025-09-13,205507,19158,186349,1.0,70.6,22.9,0.0,6.5,BRK.B:17.4%;TLT:27.5%;QQQ:27.5%;MUB:27.5%,US:60.2;EU:16.9;APAC:10.0;EM:10.1;Other:2.9,Value:+0.8;Growth:-0.6;Quality:-0.0;Size:-0.6;Momentum:0.0;LowVol:-0.2,ESGOnly;NoDerivatives,10,25,5.4,trailing 8%,125,17.6,Sideways,15.0,3.66,2.1,109,57,86,46,false,Rebalance,Shift +1% to bonds from equity,-6,14,BrokerC,LMT,87,None,None,Normal monitoring,11,-32,14,4,false,Tax-aware sells next window
P6562,Active,Roth,USD,2024-08-27,806645,85978,720667,1.17,59.5,30.9,1.9,7.7,VTI:24.8%;GLD:26.7%;TLT:21.9%;AMZN:26.7%,US:74.5;EU:11.1;APAC:9.7;EM:4.5;Other:0.2,Value:-0.4;Growth:-0.7;Quality:-0.4;Size:+0.6;Momentum:-0.7;LowVol:+0.7,,7,35,5.0,trailing 9%,120,22.0,Bull,12.8,4.49,3.2,109,37,82,50,false,Sell,Trim extended winner -1%,2,10,BrokerB,MKT,98,None,None,Normal monitoring,68,-39,195,3,false,Increase defensive factor exposure
P6563,Opportunistic,Trust,USD,2024-07-08,445711,34469,411242,1.0,62.0,13.1,20.6,4.3,VOO:17.5%;AAPL:27.5%;MUB:27.5%;BND:27.5%,US:71.4;EU:5.5;APAC:13.3;EM:8.2;Other:1.6,Value:-0.9;Growth:+0.9;Quality:+0.5;Size:+0.5;Momentum:-0.5;LowVol:-0.5,,8,35,5.1,hard 12%,184,25.3,Volatile,31.1,5.19,2.7,167,-46,37,75,true,Rebalance,Rebalance back to target bands,-14,-3,BrokerA,MKT,98,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-43,0,49,4,false,Within IPS guidelines
P6564,Active,401k,USD,2025-08-16,1960976,175322,1785654,1.0,55.2,20.8,16.7,7.4,VOO:35.4%;BND:35.4%;VNQ:29.3%,US:66.3;EU:16.6;APAC:8.9;EM:6.9;Other:1.5,Value:+0.2;Growth:-0.2;Quality:-0.7;Size:-0.4;Momentum:-0.0;LowVol:-0.4,MaxPos5%,8,30,4.5,hard 12%,164,26.7,Bull,12.0,4.55,2.6,106,14,64,45,false,Rebalance,Shift +1% to bonds from equity,2,-7,BrokerA,VWAP,91,None,None,Normal monitoring,104,-22,131,4,false,Monitor dispersion and breadth
P6565,Opportunistic,401k,USD,2024-07-18,356435,17655,338780,1.0,70.4,21.8,1.7,6.0,TLT:22.7%;HYG:38.7%;XLF:38.7%,US:60.9;EU:14.3;APAC:7.2;EM:12.7;Other:4.9,Value:-0.5;Growth:+0.6;Quality:-1.0;Size:-0.0;Momentum:-0.1;LowVol:+0.3,,8,35,6.5,hard 12%,199,29.7,Volatile,23.3,3.8,4.2,157,28,61,64,false,Rebalance,Shift +1% to bonds from equity,19,-34,BrokerA,MKT,99,None,None,Normal monitoring,101,-3,225,5,false,Tighten stops on momentum names
P6566,Hands-off,Trust,USD,2025-04-25,427015,36468,390547,1.0,66.9,28.2,0.0,4.9,AMZN:20.2%;TSLA:19.4%;AAPL:17.0%;QQQ:13.6%;BRK.B:15.8%;MSFT:14.0%,US:71.9;EU:6.9;APAC:9.9;EM:8.7;Other:2.5,Value:+0.2;Growth:-0.5;Quality:-0.3;Size:-0.9;Momentum:+0.2;LowVol:+1.0,ESGOnly;MaxPos7%,6,30,5.3,trailing 10%,135,19.3,Bull,13.9,4.65,3.1,109,83,98,52,false,NoAction,Within bands; monitor,16,-1,BrokerD,MKT,0,None,None,Normal monitoring,105,5,195,3,false,Tighten stops on momentum names
P6567,Active,401k,USD,2025-01-10,1826191,144898,1681293,1.05,54.3,18.1,20.1,7.5,BRK.B:21.7%;AMZN:13.8%;BND:21.7%;VOO:15.3%;GLD:8.7%;TLT:18.9%,US:66.4;EU:7.6;APAC:13.9;EM:10.5;Other:1.6,Value:+0.9;Growth:+0.9;Quality:-0.8;Size:-0.5;Momentum:-0.9;LowVol:-0.7,,5,35,5.1,hard 12%,162,18.2,Volatile,23.3,4.2,3.8,145,47,74,66,true,Hedge,Buy index puts 1% notional,29,-10,BrokerC,LMT,100,Drift>tolerance,Hedge,Allocation drift beyond policy bands,49,-6,101,3,false,Within IPS guidelines
P6568,Opportunistic,Roth,USD,2025-06-09,1182327,77983,1104344,1.16,77.5,15.7,2.2,4.6,GLD:23.2%;TLT:23.2%;AAPL:12.3%;QQQ:17.3%;VOO:9.4%;BRK.B:14.6%,US:75.8;EU:5.0;APAC:9.0;EM:9.0;Other:1.2,Value:+0.8;Growth:+0.8;Quality:+0.9;Size:+0.5;Momentum:-0.9;LowVol:-0.4,,6,25,4.3,hard 12%,263,29.5,Volatile,24.1,4.54,4.1,166,44,82,78,true,Rebalance,Rebalance back to target bands,1,-4,BrokerD,LMT,87,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-38,-13,7,3,false,Within IPS guidelines
P6569,Opportunistic,Trust,USD,2024-08-26,490704,25785,464919,1.0,70.7,19.0,6.0,4.2,VOO:33.5%;QQQ:33.1%;XLF:33.5%,US:69.6;EU:9.8;APAC:6.7;EM:11.6;Other:2.5,Value:-0.9;Growth:-0.5;Quality:+0.8;Size:+0.5;Momentum:-0.9;LowVol:-0.6,,5,30,6.9,trailing 7%,264,32.4,Sideways,21.5,4.19,2.3,98,42,85,61,false,NoAction,Within bands; monitor,13,-39,BrokerD,MKT,0,None,None,Normal monitoring,106,-44,149,3,false,Within IPS guidelines
P6570,Cautious,Taxable,USD,2025-02-06,197201,18667,178534,1.0,43.5,32.3,12.3,11.9,AAPL:21.2%;XLF:21.2%;GLD:16.0%;TSLA:20.6%;MSFT:11.3%;IEF:9.6%,US:60.9;EU:19.4;APAC:11.0;EM:4.6;Other:4.2,Value:+0.5;Growth:+0.7;Quality:+0.7;Size:+0.8;Momentum:+0.7;LowVol:-0.9,ESGOnly;MaxPos8%;NoMargin,10,35,4.5,trailing 8%,160,13.1,Bull,17.1,3.87,3.2,96,70,92,34,false,Rebalance,Shift +1% to bonds from equity,-12,8,BrokerA,MKT,92,None,None,Normal monitoring,31,-36,14,5,false,Tighten stops on momentum names
P6571,Active,401k,USD,2024-11-10,1924236,130142,1794094,1.0,66.9,24.7,0.0,8.4,BND:33.3%;HYG:33.3%;TSLA:33.3%,US:64.5;EU:16.8;APAC:7.4;EM:9.3;Other:2.1,Value:-1.0;Growth:-0.9;Quality:-0.7;Size:+0.6;Momentum:-0.8;LowVol:-0.0,NoDerivatives,7,30,5.7,trailing 8%,168,23.3,Sideways,16.5,3.85,3.1,91,7,41,53,false,Buy,Add to core equity +1%,-5,-24,BrokerD,MKT,95,None,None,Normal monitoring,-14,-6,0,5,false,Increase defensive factor exposure
P6572,Hands-off,Trust,USD,2025-06-01,308243,15993,292250,1.0,72.4,17.7,0.0,10.0,IEF:22.8%;TSLA:18.6%;AMZN:17.6%;HYG:22.8%;AAPL:18.2%,US:63.9;EU:16.2;APAC:5.1;EM:10.2;Other:4.5,Value:-0.7;Growth:-0.5;Quality:+0.3;Size:-0.8;Momentum:+0.8;LowVol:-0.4,MaxPos8%,6,25,4.0,trailing 10%,170,18.0,Bull,15.8,4.74,3.0,95,19,53,55,false,Rebalance,Shift +1% to bonds from equity,0,14,BrokerB,LMT,92,None,None,Normal monitoring,103,-42,150,3,false,Increase defensive factor exposure
P6573,Hands-off,IRA,USD,2025-06-14,236292,21143,215149,1.0,67.1,25.8,0.0,7.1,GLD:15.3%;XLF:28.2%;HYG:28.2%;TLT:28.2%,US:71.6;EU:8.4;APAC:6.0;EM:10.8;Other:3.2,Value:-1.0;Growth:-0.6;Quality:+0.9;Size:+0.5;Momentum:-0.2;LowVol:+0.9,MaxPos5%,6,25,5.0,trailing 8%,168,12.6,Bull,15.1,3.55,2.3,86,75,96,57,false,Buy,Add to core equity +1%,11,8,BrokerB,VWAP,89,None,None,Normal monitoring,31,13,57,4,false,Within IPS guidelines
P6574,Active,Taxable,USD,2025-01-14,1229199,122938,1106261,1.0,63.7,28.6,0.0,7.7,TLT:14.8%;VOO:19.5%;TSLA:24.0%;MUB:17.6%;AAPL:24.0%,US:63.1;EU:17.9;APAC:5.7;EM:8.1;Other:5.2,Value:0.0;Growth:+0.9;Quality:+0.8;Size:-0.8;Momentum:+0.7;LowVol:+0.1,MaxPos5%;NoDerivatives,5,35,4.7,hard 12%,222,27.9,Sideways,19.3,4.35,2.5,121,-23,43,58,true,Hedge,Buy index puts 1% notional,-8,-6,BrokerB,VWAP,95,Drift>tolerance,Hedge,Allocation drift beyond policy bands,57,-29,65,5,false,Tax-aware sells next window
P6575,Active,Trust,USD,2024-07-26,1255854,99050,1156804,1.0,53.1,24.4,16.2,6.3,MSFT:23.5%;AAPL:21.6%;VOO:12.5%;BND:19.0%;GLD:23.5%,US:72.0;EU:7.3;APAC:9.2;EM:7.2;Other:4.4,Value:+1.0;Growth:-0.4;Quality:-0.8;Size:+0.3;Momentum:-0.9;LowVol:-0.8,MaxPos5%,10,25,5.3,trailing 9%,223,19.9,Bull,15.6,4.55,2.9,95,107,100,44,false,Sell,Trim extended winner -1%,33,4,BrokerA,LMT,88,None,None,Normal monitoring,4,5,82,3,false,Monitor dispersion and breadth
P6576,Systematic,Roth,USD,2024-11-06,1868873,112721,1756152,1.0,67.3,22.5,1.3,8.9,MUB:25.6%;GLD:25.6%;BND:25.0%;XLF:23.9%,US:65.4;EU:10.7;APAC:11.1;EM:9.7;Other:3.1,Value:-0.3;Growth:-0.0;Quality:+0.3;Size:-0.1;Momentum:0.0;LowVol:+0.2,MaxPos8%,10,35,5.1,trailing 9%,208,26.7,Volatile,23.2,4.52,4.3,164,-41,14,56,true,Hedge,Buy index puts 1% notional,17,8,BrokerB,LMT,93,VAR>budget,TightenStops,Risk above budget threshold,-37,-2,-21,4,false,Tax-aware sells next window
P6577,Opportunistic,IRA,USD,2025-11-05,748666,51106,697560,1.0,67.0,20.0,7.6,5.4,VTI:27.5%;MSFT:27.5%;IEF:27.5%;HYG:17.6%,US:70.1;EU:14.7;APAC:7.2;EM:5.4;Other:2.6,Value:-0.8;Growth:+0.6;Quality:-0.3;Size:-0.4;Momentum:-0.1;LowVol:+1.0,MaxPos5%,6,35,5.8,trailing 9%,253,28.0,Volatile,23.5,4.32,2.4,158,-14,50,73,true,Hedge,Buy index puts 1% notional,18,-29,BrokerC,VWAP,90,VAR>budget,TightenStops,Risk above budget threshold,55,-2,176,5,false,Monitor dispersion and breadth
P6578,Hands-off,Trust,USD,2025-07-20,585518,35356,550162,1.0,67.0,26.0,0.0,6.9,VNQ:10.7%;QQQ:10.9%;IEF:26.1%;HYG:26.1%;TSLA:26.1%,US:70.2;EU:11.6;APAC:6.9;EM:7.7;Other:3.6,Value:+1.0;Growth:-0.1;Quality:+0.5;Size:+0.3;Momentum:+0.2;LowVol:-0.2,MaxPos7%;NoDerivatives,6,25,6.0,trailing 10%,101,15.9,Bear,28.9,4.02,1.8,147,22,66,69,false,Sell,Trim extended winner -1%,17,1,BrokerD,MKT,89,None,None,Normal monitoring,-6,10,1,4,false,Monitor dispersion and breadth
P6579,Opportunistic,Roth,USD,2025-01-30,1133781,47138,1086643,1.0,73.3,18.4,0.0,8.3,VTI:20.7%;HYG:21.1%;MUB:20.9%;AMZN:21.1%;QQQ:16.2%,US:65.9;EU:9.2;APAC:11.7;EM:9.7;Other:3.5,Value:-0.2;Growth:-0.9;Quality:-0.7;Size:+0.1;Momentum:-0.5;LowVol:+0.2,NoDerivatives,5,30,6.8,trailing 9%,199,29.5,Bear,33.2,3.59,1.6,180,-81,9,86,true,Reduce,"Cut high-beta by 2-3%, add cash",-14,6,BrokerB,MKT,97,Drift>tolerance,Pause,Allocation drift beyond policy bands,-17,-38,-4,4,false,Within IPS guidelines
P6580,Cautious,Trust,USD,2025-07-20,781618,78343,703275,1.0,39.2,42.5,2.1,16.2,XLF:21.0%;TSLA:7.4%;TLT:21.0%;BND:20.6%;VTI:19.4%;BRK.B:10.6%,US:59.7;EU:14.1;APAC:12.0;EM:10.0;Other:4.2,Value:+0.7;Growth:+0.4;Quality:-0.6;Size:+0.9;Momentum:+0.2;LowVol:+0.6,MaxPos8%;NoMargin,5,35,5.6,trailing 8%,165,17.8,Bear,23.5,3.66,2.9,160,-74,5,46,false,Buy,Add to core equity +1%,31,1,BrokerD,MKT,90,None,None,Normal monitoring,74,-53,136,4,false,Tax-aware sells next window
P6581,Hands-off,Taxable,USD,2024-11-01,454633,30727,423906,1.0,68.4,21.0,0.7,10.0,VNQ:26.7%;MSFT:18.4%;XLF:27.4%;BND:27.4%,US:69.8;EU:8.0;APAC:12.3;EM:8.4;Other:1.4,Value:+0.7;Growth:+0.4;Quality:+0.5;Size:-0.3;Momentum:-0.1;LowVol:-0.6,NoDerivatives,8,35,4.3,trailing 8%,143,12.2,Bull,15.8,4.15,2.9,77,73,95,47,false,Sell,Trim extended winner -1%,27,-8,BrokerA,MKT,85,None,None,Normal monitoring,0,-14,69,4,false,Tax-aware sells next window
P6582,Systematic,Roth,USD,2025-04-07,1989164,144296,1844868,1.0,63.7,29.0,0.0,7.3,XLF:23.9%;GLD:23.9%;IEF:20.3%;MSFT:11.5%;BRK.B:20.3%,US:67.2;EU:11.7;APAC:10.0;EM:9.0;Other:2.1,Value:-0.7;Growth:-0.6;Quality:-0.5;Size:+0.6;Momentum:+0.9;LowVol:-0.4,MaxPos8%,10,35,6.0,hard 12%,159,17.3,Bull,14.9,4.5,2.2,107,5,52,46,false,NoAction,Within bands; monitor,5,-22,BrokerB,MKT,0,None,None,Normal monitoring,90,-55,150,4,false,Monitor dispersion and breadth
P6583,Systematic,Taxable,USD,2025-04-10,617042,34042,583000,1.0,57.2,32.4,4.5,5.9,MSFT:33.3%;VTI:33.3%;TSLA:33.3%,US:67.2;EU:18.0;APAC:6.3;EM:6.9;Other:1.6,Value:+0.2;Growth:+0.3;Quality:+0.1;Size:-0.6;Momentum:+0.9;LowVol:-0.4,MaxPos5%,8,30,4.6,hard 12%,170,25.2,Bull,13.2,4.75,2.9,106,106,90,37,true,Hedge,Buy index puts 1% notional,20,7,BrokerD,VWAP,88,Drift>tolerance,Hedge,Allocation drift beyond policy bands,90,-19,204,4,false,Within IPS guidelines
P6584,Cautious,Taxable,USD,2025-10-02,241184,29592,211592,1.0,53.3,31.6,0.1,15.0,TLT:33.3%;AAPL:33.3%;VNQ:33.3%,US:72.4;EU:14.0;APAC:5.6;EM:3.2;Other:4.8,Value:+0.9;Growth:+0.9;Quality:+0.4;Size:+1.0;Momentum:+0.5;LowVol:+0.9,NoMargin,8,35,4.8,trailing 8%,100,18.3,Volatile,27.6,4.84,3.1,153,17,43,62,false,Buy,Add to core equity +1%,17,0,BrokerC,LMT,85,None,None,Normal monitoring,-37,1,-65,3,false,Within IPS guidelines
P6585,Active,401k,USD,2025-07-27,752898,49732,703166,1.0,60.5,23.3,10.1,6.2,VTI:33.3%;MUB:33.3%;XLF:33.3%,US:61.5;EU:11.7;APAC:12.6;EM:11.1;Other:3.1,Value:-0.9;Growth:+0.2;Quality:+0.1;Size:-0.8;Momentum:-0.6;LowVol:+0.9,,6,35,5.0,hard 12%,120,26.8,Bull,12.9,3.64,2.3,97,4,50,42,false,Sell,Trim extended winner -1%,0,-14,BrokerB,LMT,94,None,None,Normal monitoring,2,2,87,5,false,Increase defensive factor exposure
P6586,Cautious,Trust,USD,2025-07-04,160134,13275,146859,1.0,49.5,36.0,0.0,14.5,BND:33.3%;GLD:33.3%;AMZN:33.3%,US:68.2;EU:11.8;APAC:12.6;EM:6.3;Other:1.1,Value:-0.8;Growth:+0.7;Quality:-0.9;Size:-0.2;Momentum:+0.5;LowVol:-0.6,NoDerivatives;NoMargin,7,30,5.0,trailing 8%,124,14.5,Sideways,21.2,4.96,2.4,109,-18,49,62,false,Sell,Trim extended winner -1%,-14,-13,BrokerA,VWAP,91,None,None,Normal monitoring,27,-59,29,3,false,Tax-aware sells next window
P6587,Active,Taxable,USD,2025-11-27,1127080,123027,1004053,1.0,64.5,28.7,0.0,6.9,TSLA:26.0%;VTI:21.9%;VOO:26.0%;TLT:26.0%,US:59.4;EU:16.0;APAC:13.3;EM:6.9;Other:4.4,Value:+0.6;Growth:-0.5;Quality:-0.3;Size:+0.9;Momentum:+0.8;LowVol:-0.7,MaxPos7%;NoDerivatives,10,30,5.6,hard 12%,161,25.9,Volatile,30.6,5.1,3.5,110,5,44,79,true,Hedge,Buy index puts 1% notional,-1,6,BrokerC,LMT,97,Drift>tolerance,Hedge,Allocation drift beyond policy bands,60,-19,96,2,false,Increase defensive factor exposure
P6588,Active,IRA,USD,2025-03-15,1125916,79805,1046111,1.0,66.4,19.7,5.0,8.9,AAPL:33.3%;IEF:33.3%;VOO:33.3%,US:75.0;EU:11.2;APAC:7.2;EM:4.9;Other:1.7,Value:-0.9;Growth:+0.8;Quality:+0.6;Size:-0.4;Momentum:-0.4;LowVol:-0.1,MaxPos6%,10,25,5.2,trailing 8%,218,21.2,Bull,13.3,4.36,3.0,101,48,80,54,false,Sell,Trim extended winner -1%,23,5,BrokerB,MKT,85,None,None,Normal monitoring,-20,18,95,5,false,Tax-aware sells next window
P6589,Active,Taxable,USD,2024-09-12,792115,54652,737463,1.0,60.3,25.1,8.5,6.0,BRK.B:12.9%;TSLA:21.9%;MSFT:14.6%;VTI:25.3%;VOO:25.3%,US:69.8;EU:12.1;APAC:7.3;EM:9.8;Other:1.1,Value:+1.0;Growth:-0.0;Quality:-0.8;Size:+0.8;Momentum:+0.2;LowVol:+0.8,MaxPos8%,10,35,4.3,trailing 8%,219,20.2,Bull,15.1,4.07,2.8,79,110,100,41,false,Rebalance,Shift +1% to bonds from equity,31,10,BrokerC,MKT,85,None,None,Normal monitoring,55,0,29,4,false,Monitor dispersion and breadth
P6590,Cautious,IRA,USD,2025-07-22,364929,37689,327240,1.0,50.5,34.2,0.0,15.2,VNQ:23.9%;BRK.B:12.5%;AMZN:18.9%;MUB:23.9%;VOO:20.9%,US:73.1;EU:12.0;APAC:7.1;EM:6.5;Other:1.4,Value:-0.5;Growth:-0.9;Quality:-0.3;Size:+0.6;Momentum:-0.0;LowVol:-0.9,ESGOnly;NoDerivatives;NoMargin,8,25,4.9,trailing 10%,122,18.9,Bull,16.0,3.55,3.2,117,37,57,46,false,NoAction,Within bands; monitor,-12,0,BrokerC,LMT,100,None,None,Normal monitoring,-41,3,82,4,false,Tax-aware sells next window
P6591,Hands-off,401k,USD,2024-08-18,768267,63371,704896,1.0,67.7,26.1,0.0,6.2,VOO:21.3%;VTI:21.3%;QQQ:21.3%;AAPL:11.0%;XLF:19.4%;BND:5.6%,US:67.4;EU:9.2;APAC:9.0;EM:13.1;Other:1.4,Value:0.0;Growth:-0.4;Quality:-0.1;Size:+0.7;Momentum:+0.6;LowVol:+0.1,ESGOnly,5,25,5.7,hard 10%,93,16.4,Sideways,15.7,3.58,2.3,99,31,68,55,false,Rebalance,Shift +1% to bonds from equity,13,-34,BrokerD,MKT,98,None,None,Normal monitoring,94,-9,89,5,false,Tax-aware sells next window
P6592,Cautious,Roth,USD,2025-04-23,602100,65296,536804,1.0,47.7,30.6,10.4,11.3,BRK.B:33.3%;AMZN:33.3%;MSFT:33.3%,US:67.6;EU:6.4;APAC:12.4;EM:8.3;Other:5.3,Value:-0.3;Growth:+0.8;Quality:-0.2;Size:+0.1;Momentum:-0.4;LowVol:-0.8,NoMargin,6,25,3.8,trailing 8%,165,12.5,Volatile,29.6,5.29,3.0,156,19,72,59,false,Hedge,Add TLT +1% as duration hedge,-13,-11,BrokerD,LMT,93,None,None,Normal monitoring,1,-51,126,4,false,Tax-aware sells next window
P6593,Active,401k,USD,2025-07-02,2400214,236972,2163242,1.1,56.3,28.8,8.3,6.6,VTI:26.2%;QQQ:26.2%;VOO:23.0%;TSLA:24.6%,US:65.5;EU:10.7;APAC:8.4;EM:12.0;Other:3.4,Value:-1.0;Growth:-0.1;Quality:+1.0;Size:+0.4;Momentum:+1.0;LowVol:-0.9,MaxPos6%,8,30,5.8,trailing 8%,144,17.8,Bull,13.4,4.34,3.1,104,87,88,39,false,Buy,Add to core equity +1%,20,-16,BrokerC,MKT,99,None,None,Normal monitoring,109,-14,130,5,false,Within IPS guidelines
P6594,Active,IRA,USD,2025-04-28,1649742,187409,1462333,1.09,50.7,31.0,11.2,7.1,HYG:33.3%;VOO:33.3%;GLD:33.3%,US:71.8;EU:8.1;APAC:8.2;EM:8.4;Other:3.4,Value:-0.8;Growth:-0.1;Quality:-0.2;Size:-0.4;Momentum:+0.2;LowVol:+0.9,MaxPos6%;NoDerivatives,7,25,5.4,trailing 8%,157,16.8,Volatile,24.2,5.0,4.3,140,79,75,58,true,Hedge,Buy index puts 1% notional,-7,-34,BrokerD,VWAP,89,VAR>budget,Reduce,Risk above budget threshold,39,12,128,4,false,Tighten stops on momentum names
P6595,Opportunistic,Trust,USD,2025-12-09,474642,29717,444925,1.24,60.7,12.9,17.8,8.5,XLF:17.1%;TLT:17.6%;BND:12.6%;VTI:18.0%;MSFT:20.2%;HYG:14.5%,US:70.3;EU:8.9;APAC:8.0;EM:10.8;Other:1.9,Value:+0.9;Growth:+0.2;Quality:-0.8;Size:-0.6;Momentum:-0.8;LowVol:-0.3,MaxPos8%,7,35,4.7,trailing 7%,271,31.9,Sideways,17.3,4.68,3.4,105,-9,40,49,false,Sell,Trim extended winner -1%,1,-13,BrokerC,MKT,96,None,None,Normal monitoring,76,-50,199,3,false,Tax-aware sells next window
P6596,Active,IRA,USD,2025-03-21,2492829,226075,2266754,1.0,52.2,27.2,11.3,9.3,AAPL:27.1%;VTI:27.1%;TLT:18.8%;BRK.B:27.1%,US:72.1;EU:13.9;APAC:7.3;EM:6.6;Other:0.1,Value:+0.5;Growth:-0.1;Quality:-0.7;Size:+0.2;Momentum:-0.6;LowVol:+0.4,MaxPos8%,8,30,4.9,trailing 9%,162,24.4,Bull,14.8,3.65,2.0,118,91,88,32,true,Reduce,"Cut high-beta by 2-3%, add cash",16,15,BrokerD,LMT,97,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-49,-3,11,3,false,Within IPS guidelines
P6597,Hands-off,Trust,USD,2024-08-11,358496,14776,343720,1.0,62.6,27.4,2.7,7.3,TSLA:33.3%;BRK.B:33.3%;AAPL:33.3%,US:68.1;EU:14.4;APAC:12.2;EM:5.0;Other:0.3,Value:-1.0;Growth:+0.8;Quality:+0.3;Size:-0.5;Momentum:+0.5;LowVol:-0.3,MaxPos7%;NoDerivatives,10,30,4.9,trailing 8%,166,17.5,Volatile,31.2,3.61,2.2,135,10,44,69,false,Hedge,Add TLT +1% as duration hedge,-12,-12,BrokerB,MKT,98,None,None,Normal monitoring,111,-35,245,5,false,Increase defensive factor exposure
P6598,Hands-off,IRA,USD,2024-10-03,160116,12250,147866,1.0,66.8,20.8,5.1,7.4,MUB:33.3%;AAPL:33.3%;MSFT:33.3%,US:65.9;EU:16.6;APAC:8.0;EM:6.9;Other:2.6,Value:+0.4;Growth:-0.7;Quality:-0.7;Size:-0.6;Momentum:+0.1;LowVol:-0.1,ESGOnly,7,30,4.7,hard 10%,106,14.4,Bear,32.7,3.47,1.2,166,-2,50,85,true,Rebalance,Rebalance back to target bands,-14,-15,BrokerC,VWAP,89,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-57,8,-59,3,false,Within IPS guidelines
P6599,Hands-off,Trust,USD,2025-09-30,285774,13494,272280,1.0,67.3,23.7,3.8,5.2,IEF:22.6%;VOO:15.2%;MSFT:22.6%;BRK.B:22.6%;GLD:16.9%,US:68.6;EU:14.8;APAC:5.8;EM:6.4;Other:4.3,Value:-0.3;Growth:+0.9;Quality:+0.1;Size:-0.3;Momentum:-0.6;LowVol:-0.1,,6,35,4.1,trailing 8%,111,15.1,Bear,32.3,3.46,2.8,185,-46,17,94,true,Rebalance,Rebalance back to target bands,23,-18,BrokerA,LMT,90,RegimeShift,Hedge,Volatility spike and breadth deterioration,31,19,123,2,false,Within IPS guidelines
P6600,Opportunistic,Roth,USD,2024-11-16,1632814,117737,1515077,1.15,69.6,19.6,2.4,8.3,BND:23.5%;AAPL:17.6%;MSFT:11.8%;VOO:23.5%;IEF:23.5%,US:71.6;EU:10.9;APAC:11.3;EM:5.9;Other:0.4,Value:-0.3;Growth:-0.7;Quality:-0.8;Size:+0.3;Momentum:+0.3;LowVol:+0.8,NoDerivatives,7,35,4.8,hard 12%,197,27.3,Volatile,20.4,4.05,3.0,155,72,100,60,false,Rebalance,Shift +1% to bonds from equity,-13,-14,BrokerA,MKT,97,None,None,Normal monitoring,8,-52,48,3,false,Within IPS guidelines
P6601,Hands-off,Trust,USD,2025-09-16,771462,60199,711263,1.0,63.7,19.2,11.8,5.3,QQQ:23.5%;TSLA:25.5%;VNQ:25.5%;AMZN:25.5%,US:70.3;EU:6.8;APAC:10.8;EM:8.8;Other:3.3,Value:-0.1;Growth:+0.7;Quality:-0.3;Size:+0.7;Momentum:+0.2;LowVol:+0.7,NoDerivatives,10,25,4.9,trailing 8%,92,19.9,Bull,17.8,4.91,3.3,75,99,84,54,false,Rebalance,Shift +1% to bonds from equity,-13,-22,BrokerB,MKT,88,None,None,Normal monitoring,10,17,88,5,false,Increase defensive factor exposure
P6602,Active,Taxable,USD,2025-08-23,1246132,94725,1151407,1.0,54.0,28.9,9.7,7.4,GLD:21.6%;XLF:17.2%;BRK.B:17.9%;HYG:21.6%;AAPL:21.6%,US:70.8;EU:10.7;APAC:9.1;EM:6.6;Other:2.8,Value:+0.2;Growth:-0.8;Quality:-0.4;Size:-0.5;Momentum:+0.5;LowVol:-0.8,,8,25,4.2,trailing 8%,223,21.6,Sideways,16.5,4.98,3.1,126,0,50,45,false,Sell,Trim extended winner -1%,-15,-32,BrokerA,MKT,100,None,None,Normal monitoring,15,-9,47,4,false,Within IPS guidelines
P6603,Hands-off,IRA,USD,2025-06-20,189252,13840,175412,1.0,66.0,26.8,0.0,7.2,VNQ:24.6%;MSFT:16.1%;QQQ:24.6%;VTI:24.6%;TSLA:10.2%,US:69.4;EU:17.6;APAC:5.3;EM:4.1;Other:3.6,Value:+0.3;Growth:0.0;Quality:-0.1;Size:+0.3;Momentum:+0.1;LowVol:-0.9,ESGOnly;MaxPos8%,5,35,3.5,trailing 8%,90,13.8,Bull,13.9,4.39,3.3,110,90,84,48,false,Buy,Add to core equity +1%,14,-22,BrokerC,MKT,87,None,None,Normal monitoring,47,-18,187,4,false,Monitor dispersion and breadth
P6604,Cautious,IRA,USD,2025-05-12,361055,36268,324787,1.0,50.7,36.5,0.0,12.8,QQQ:25.7%;AAPL:25.7%;GLD:25.7%;BRK.B:11.3%;AMZN:11.5%,US:70.9;EU:14.0;APAC:10.2;EM:2.9;Other:2.0,Value:-0.7;Growth:+0.8;Quality:-0.7;Size:-0.7;Momentum:+0.6;LowVol:-0.1,NoMargin,10,25,3.8,hard 10%,137,14.9,Bear,25.6,3.63,1.5,201,-51,10,53,false,Sell,Trim extended winner -1%,7,-4,BrokerB,LMT,85,None,None,Normal monitoring,7,11,26,4,false,Tax-aware sells next window
P6605,Active,IRA,USD,2024-12-03,2490482,237554,2252928,1.22,66.3,25.2,0.0,8.5,BND:33.3%;MSFT:33.3%;AAPL:33.3%,US:67.0;EU:13.9;APAC:7.9;EM:8.8;Other:2.4,Value:+0.1;Growth:+0.8;Quality:-0.3;Size:-0.4;Momentum:+0.1;LowVol:-0.7,,6,25,4.2,trailing 8%,170,25.1,Bull,15.1,4.0,2.3,117,62,67,53,false,Rebalance,Shift +1% to bonds from equity,31,-31,BrokerB,LMT,96,None,None,Normal monitoring,84,-38,81,3,false,Increase defensive factor exposure
P6606,Hands-off,401k,USD,2025-10-07,757204,39363,717841,1.0,68.5,16.1,6.9,8.6,TLT:34.0%;GLD:34.0%;BRK.B:32.0%,US:70.8;EU:10.4;APAC:8.9;EM:4.5;Other:5.5,Value:-0.6;Growth:+0.8;Quality:-0.5;Size:-0.6;Momentum:+0.3;LowVol:-0.9,ESGOnly;MaxPos5%,10,30,4.8,trailing 8%,134,17.2,Bear,24.5,3.2,2.4,157,-33,28,64,false,Hedge,Add TLT +1% as duration hedge,16,-28,BrokerD,MKT,100,None,None,Normal monitoring,52,-43,144,5,false,Tighten stops on momentum names
P6607,Active,IRA,USD,2025-08-03,889724,60953,828771,1.0,58.4,19.7,12.8,9.2,BND:21.1%;VOO:28.5%;AAPL:21.9%;TSLA:28.5%,US:60.6;EU:20.9;APAC:7.2;EM:6.4;Other:4.9,Value:+0.3;Growth:-0.1;Quality:+0.1;Size:-0.4;Momentum:+0.3;LowVol:-0.1,,10,25,4.7,trailing 8%,166,24.0,Bull,15.9,3.73,3.1,74,86,79,38,false,Buy,Add to core equity +1%,-11,0,BrokerD,VWAP,90,None,None,Normal monitoring,77,-48,101,4,false,Increase defensive factor exposure
P6608,Cautious,Trust,USD,2024-07-16,200495,17885,182610,1.0,38.0,30.4,14.1,17.6,VOO:13.6%;MUB:23.0%;TSLA:18.9%;GLD:21.4%;QQQ:23.0%,US:61.4;EU:17.6;APAC:12.4;EM:7.3;Other:1.3,Value:+0.3;Growth:+0.4;Quality:-0.7;Size:-0.9;Momentum:-0.6;LowVol:-0.4,ESGOnly;MaxPos8%;NoDerivatives;NoMargin,6,35,4.3,trailing 8%,114,15.7,Bear,34.5,4.46,1.4,165,-119,5,69,false,Buy,Add to core equity +1%,-10,5,BrokerC,LMT,96,None,None,Normal monitoring,99,-47,220,5,false,Tighten stops on momentum names
P6609,Cautious,401k,USD,2025-07-17,786027,82330,703697,1.0,35.5,30.8,23.7,10.0,QQQ:35.4%;MUB:29.3%;TSLA:35.4%,US:73.5;EU:10.7;APAC:12.3;EM:3.3;Other:0.3,Value:-0.1;Growth:+0.7;Quality:-0.5;Size:-0.4;Momentum:+1.0;LowVol:+0.8,NoDerivatives;NoMargin,6,35,4.4,trailing 8%,134,13.7,Bear,34.9,3.81,1.1,158,-55,33,63,false,Rebalance,Shift +1% to bonds from equity,26,1,BrokerD,MKT,89,None,None,Normal monitoring,-12,18,97,3,false,Tax-aware sells next window
P6610,Hands-off,401k,USD,2025-05-15,591759,51274,540485,1.0,71.8,18.5,1.9,7.8,GLD:12.4%;AAPL:29.2%;VTI:29.2%;TLT:29.2%,US:66.8;EU:12.8;APAC:11.4;EM:4.4;Other:4.6,Value:+0.4;Growth:+0.2;Quality:+0.3;Size:-0.9;Momentum:+0.5;LowVol:+0.9,ESGOnly;NoDerivatives,5,25,3.9,hard 10%,145,12.2,Volatile,26.7,4.5,4.3,156,80,100,75,true,Reduce,"Cut high-beta by 2-3%, add cash",28,-25,BrokerB,MKT,98,Drift>tolerance,Hedge,Allocation drift beyond policy bands,52,-9,86,5,true,Tighten stops on momentum names
P6611,Active,IRA,USD,2025-06-18,2199542,210103,1989439,1.0,57.7,18.3,18.5,5.5,HYG:28.9%;VNQ:13.2%;XLF:28.9%;IEF:28.9%,US:67.1;EU:16.1;APAC:8.8;EM:5.2;Other:2.7,Value:-0.5;Growth:+0.4;Quality:-1.0;Size:-0.8;Momentum:+0.4;LowVol:+0.9,MaxPos5%;NoDerivatives,7,35,5.1,trailing 9%,168,16.8,Sideways,21.7,4.94,2.1,104,24,51,50,false,Rebalance,Shift +1% to bonds from equity,-3,-38,BrokerA,MKT,85,None,None,Normal monitoring,73,-32,209,5,false,Tax-aware sells next window
P6612,Active,IRA,USD,2025-01-11,2251616,205196,2046420,1.14,63.6,28.5,0.0,7.9,XLF:21.4%;AAPL:22.6%;IEF:22.6%;VNQ:19.3%;HYG:14.0%,US:68.8;EU:14.8;APAC:8.7;EM:3.1;Other:4.6,Value:-0.5;Growth:-0.7;Quality:-0.6;Size:-1.0;Momentum:-0.5;LowVol:-0.8,,7,25,5.3,trailing 8%,161,25.3,Sideways,19.4,4.72,2.6,115,-11,41,61,false,Rebalance,Shift +1% to bonds from equity,-6,-39,BrokerC,LMT,92,None,None,Normal monitoring,-50,-60,-77,5,false,Tax-aware sells next window
P6613,Hands-off,Taxable,USD,2025-09-23,758031,37924,720107,1.0,58.5,27.0,9.2,5.3,VTI:13.1%;BND:18.3%;HYG:15.7%;VOO:26.5%;XLF:26.5%,US:79.8;EU:5.1;APAC:5.8;EM:5.0;Other:4.4,Value:-0.2;Growth:-0.3;Quality:+0.9;Size:+0.8;Momentum:+0.3;LowVol:-0.8,ESGOnly;MaxPos5%,5,35,3.5,trailing 10%,118,17.8,Bull,11.1,4.36,2.6,117,67,81,44,false,Sell,Trim extended winner -1%,26,-9,BrokerC,LMT,98,None,None,Normal monitoring,35,17,72,5,false,Monitor dispersion and breadth
P6614,Active,Taxable,USD,2025-09-26,515619,31922,483697,1.0,64.7,26.5,0.0,8.8,TSLA:27.9%;GLD:18.7%;BND:27.9%;VNQ:25.6%,US:65.2;EU:14.3;APAC:9.7;EM:9.1;Other:1.7,Value:+0.9;Growth:+0.9;Quality:-0.9;Size:+0.4;Momentum:-0.7;LowVol:-0.4,,7,35,4.1,trailing 8%,193,19.3,Sideways,14.3,3.63,2.8,108,38,80,53,true,Hedge,Buy index puts 1% notional,5,-13,BrokerD,MKT,87,VAR>budget,Hedge,Risk above budget threshold,55,9,168,3,false,Tax-aware sells next window
P6615,Systematic,IRA,USD,2024-10-05,759164,73407,685757,1.0,56.2,28.6,5.9,9.3,TLT:28.8%;IEF:28.8%;VTI:13.6%;MUB:28.8%,US:67.9;EU:8.1;APAC:11.1;EM:9.9;Other:2.9,Value:-0.1;Growth:-0.5;Quality:+0.2;Size:+0.7;Momentum:-1.0;LowVol:+0.8,MaxPos7%,6,30,5.9,trailing 9%,180,19.3,Bear,28.2,4.03,1.1,170,-109,5,68,false,Buy,Add to core equity +1%,17,-2,BrokerA,VWAP,96,None,None,Normal monitoring,92,-26,222,5,false,Tighten stops on momentum names
P6616,Systematic,Taxable,USD,2025-07-01,1252625,120787,1131838,1.0,55.1,28.7,9.1,7.1,MUB:33.3%;GLD:33.3%;TLT:33.3%,US:70.6;EU:9.7;APAC:7.0;EM:8.6;Other:4.1,Value:-0.3;Growth:+0.5;Quality:-0.3;Size:-0.8;Momentum:-0.3;LowVol:+0.5,,5,35,5.2,trailing 8%,126,22.4,Volatile,31.4,4.28,3.9,169,-23,51,73,true,Rebalance,Rebalance back to target bands,-8,5,BrokerA,MKT,95,Drift>tolerance,Reduce,Allocation drift beyond policy bands,5,-12,21,5,false,Increase defensive factor exposure
P6617,Opportunistic,401k,USD,2025-09-30,1013690,52378,961312,1.0,73.0,11.5,10.2,5.3,GLD:20.6%;MUB:8.7%;VNQ:20.0%;XLF:9.4%;AMZN:20.6%;MSFT:20.6%,US:67.6;EU:10.1;APAC:8.7;EM:12.4;Other:1.2,Value:+0.6;Growth:-0.1;Quality:+0.4;Size:0.0;Momentum:+0.8;LowVol:-0.8,,10,35,4.1,hard 12%,168,25.9,Bull,16.1,4.59,2.8,77,36,57,47,false,Sell,Trim extended winner -1%,35,-11,BrokerD,LMT,96,None,None,Normal monitoring,-59,-29,-29,3,false,Monitor dispersion and breadth
P6618,Hands-off,IRA,USD,2024-12-14,514640,36776,477864,1.0,61.8,28.0,0.3,9.9,QQQ:33.4%;IEF:33.4%;TLT:33.1%,US:63.4;EU:19.3;APAC:9.4;EM:7.4;Other:0.5,Value:-1.0;Growth:+0.3;Quality:-0.7;Size:+0.1;Momentum:+0.7;LowVol:-0.1,ESGOnly,5,30,4.5,trailing 8%,118,14.2,Volatile,22.6,4.74,3.5,154,26,74,64,false,Sell,Trim extended winner -1%,-10,7,BrokerA,VWAP,94,None,None,Normal monitoring,38,19,10,5,false,Tax-aware sells next window
P6619,Active,Trust,USD,2025-05-02,1799672,136317,1663355,1.0,66.1,26.3,0.0,7.5,VTI:18.4%;IEF:10.6%;BND:16.6%;BRK.B:21.2%;HYG:11.9%;AMZN:21.2%,US:65.1;EU:13.8;APAC:9.9;EM:7.8;Other:3.4,Value:-0.3;Growth:+0.5;Quality:-1.0;Size:+0.7;Momentum:-0.9;LowVol:-0.9,MaxPos5%,5,35,5.3,trailing 8%,218,21.2,Sideways,19.3,4.16,3.5,140,-1,62,51,true,Reduce,"Cut high-beta by 2-3%, add cash",-5,-24,BrokerC,LMT,94,VAR>budget,Hedge,Risk above budget threshold,-4,18,54,5,false,Tighten stops on momentum names
P6620,Active,IRA,USD,2025-03-02,1093951,111179,982772,1.0,59.7,21.0,12.0,7.2,BRK.B:22.5%;MUB:9.6%;VOO:22.5%;VNQ:22.7%;TLT:22.7%,US:66.3;EU:9.0;APAC:13.6;EM:9.9;Other:1.2,Value:+0.7;Growth:+0.3;Quality:-0.5;Size:-0.9;Momentum:+0.4;LowVol:+0.5,,7,35,5.4,hard 12%,160,19.0,Bear,23.8,3.7,2.8,167,-2,54,63,false,Rebalance,Shift +1% to bonds from equity,-8,15,BrokerD,MKT,90,None,None,Normal monitoring,-45,-18,-5,5,false,Monitor dispersion and breadth
P6621,Active,Taxable,USD,2025-03-21,1659792,194624,1465168,1.0,66.4,20.9,7.4,5.4,QQQ:22.6%;GLD:22.6%;TLT:22.6%;IEF:11.6%;VOO:13.6%;BND:6.9%,US:56.4;EU:20.9;APAC:10.2;EM:10.3;Other:2.2,Value:+0.3;Growth:-0.2;Quality:+0.6;Size:0.0;Momentum:-0.7;LowVol:+0.3,,5,35,5.8,trailing 9%,153,22.8,Bull,12.8,4.36,3.5,97,17,73,54,false,Rebalance,Shift +1% to bonds from equity,2,-12,BrokerD,MKT,86,None,None,Normal monitoring,4,1,-22,3,false,Increase defensive factor exposure
P6622,Active,IRA,USD,2024-11-11,2393728,205507,2188221,1.0,50.6,23.8,18.2,7.4,HYG:25.8%;BND:37.1%;QQQ:37.1%,US:66.4;EU:16.5;APAC:6.8;EM:8.7;Other:1.6,Value:-0.8;Growth:-0.7;Quality:-1.0;Size:-0.8;Momentum:-0.3;LowVol:+0.4,MaxPos5%;NoDerivatives,7,30,5.9,hard 12%,228,26.4,Bull,11.3,4.62,2.3,91,102,100,36,false,Sell,Trim extended winner -1%,15,-18,BrokerB,MKT,94,None,None,Normal monitoring,10,8,-16,5,false,Increase defensive factor exposure
P6623,Cautious,Trust,USD,2025-10-04,729781,100375,629406,1.0,49.7,39.0,0.0,11.4,AAPL:11.0%;MUB:17.1%;BND:23.0%;MSFT:14.3%;XLF:11.5%;BRK.B:23.0%,US:75.6;EU:5.4;APAC:6.4;EM:7.7;Other:4.8,Value:-0.9;Growth:-0.7;Quality:-0.7;Size:+0.6;Momentum:+0.4;LowVol:-0.1,NoMargin,6,35,5.4,trailing 10%,156,18.7,Volatile,25.3,5.32,4.4,154,-41,41,60,false,Rebalance,Shift +1% to bonds from equity,-4,7,BrokerB,MKT,96,None,None,Normal monitoring,114,-32,193,5,false,Increase defensive factor exposure
P6624,Cautious,Taxable,USD,2024-07-14,436312,48455,387857,1.0,37.0,35.5,13.3,14.2,QQQ:27.8%;TLT:36.1%;GLD:36.1%,US:64.9;EU:16.5;APAC:11.4;EM:5.5;Other:1.7,Value:-0.9;Growth:+0.8;Quality:-0.3;Size:-0.0;Momentum:-0.0;LowVol:+0.3,MaxPos5%;NoDerivatives;NoMargin,5,30,3.4,trailing 8%,118,17.7,Bear,25.1,4.32,1.0,218,-118,5,57,false,NoAction,Within bands; monitor,6,-31,BrokerD,LMT,86,None,None,Normal monitoring,-13,15,55,5,false,Tighten stops on momentum names
P6625,Cautious,401k,USD,2025-05-16,193010,17855,175155,1.0,41.8,42.2,0.0,16.0,AAPL:33.3%;XLF:33.3%;VOO:33.3%,US:65.7;EU:17.6;APAC:6.7;EM:9.3;Other:0.7,Value:+0.4;Growth:-0.1;Quality:-0.5;Size:+0.8;Momentum:+0.9;LowVol:-0.5,ESGOnly;NoMargin,10,25,4.5,hard 10%,98,17.0,Sideways,19.8,4.36,2.2,119,-4,43,41,false,Buy,Add to core equity +1%,19,-40,BrokerD,LMT,90,None,None,Normal monitoring,105,-42,150,4,false,Increase defensive factor exposure
P6626,Hands-off,IRA,USD,2025-11-15,745161,60610,684551,1.0,62.5,20.0,7.5,10.0,MUB:33.3%;VTI:33.3%;TSLA:33.3%,US:71.2;EU:9.5;APAC:11.9;EM:5.4;Other:2.0,Value:-0.5;Growth:+0.4;Quality:+0.9;Size:-0.3;Momentum:+0.4;LowVol:+0.2,MaxPos8%,8,30,3.1,trailing 8%,91,16.2,Bull,17.2,3.64,2.4,98,73,98,50,false,Buy,Add to core equity +1%,28,-34,BrokerD,LMT,86,None,None,Normal monitoring,80,11,43,3,false,Increase defensive factor exposure
P6627,Cautious,Taxable,USD,2024-10-07,832878,80509,752369,1.0,36.5,31.6,18.3,13.6,VTI:19.1%;HYG:23.4%;TLT:10.6%;IEF:23.4%;VOO:23.4%,US:70.0;EU:12.5;APAC:6.6;EM:8.7;Other:2.2,Value:+0.3;Growth:-0.9;Quality:+0.3;Size:-0.7;Momentum:-0.1;LowVol:-0.9,MaxPos5%;NoMargin,10,25,3.6,trailing 10%,110,19.0,Sideways,19.5,3.86,2.2,91,-17,44,32,false,Rebalance,Shift +1% to bonds from equity,1,-31,BrokerB,LMT,86,None,None,Normal monitoring,23,-51,152,3,false,Increase defensive factor exposure
P6628,Hands-off,Roth,USD,2024-10-15,499923,27809,472114,1.0,66.7,15.8,12.0,5.4,BND:33.3%;TLT:33.3%;AMZN:33.3%,US:67.7;EU:8.8;APAC:6.7;EM:12.3;Other:4.5,Value:-0.3;Growth:-0.2;Quality:+0.1;Size:+0.7;Momentum:+0.2;LowVol:+0.8,,5,25,4.5,hard 10%,138,14.1,Bear,26.6,3.75,2.2,154,4,48,81,true,Hedge,Buy index puts 1% notional,-11,-21,BrokerB,LMT,100,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-25,14,19,4,false,Increase defensive factor exposure
P6629,Opportunistic,Trust,USD,2024-09-04,876792,42347,834445,1.21,72.4,20.2,0.0,7.4,VOO:26.8%;MSFT:26.8%;VNQ:26.8%;TLT:19.6%,US:71.3;EU:10.4;APAC:6.9;EM:7.7;Other:3.6,Value:-0.2;Growth:-0.2;Quality:+0.7;Size:-0.4;Momentum:-0.8;LowVol:-0.2,NoDerivatives,8,25,5.4,hard 12%,264,31.7,Sideways,14.1,3.52,3.2,138,-10,55,58,false,Rebalance,Shift +1% to bonds from equity,2,-33,BrokerD,VWAP,99,None,None,Normal monitoring,-20,-54,-36,3,false,Monitor dispersion and breadth
P6630,Hands-off,IRA,USD,2025-12-20,808937,71894,737043,1.0,69.6,21.7,1.2,7.6,MSFT:25.0%;IEF:25.0%;AAPL:25.0%;VNQ:25.0%,US:67.2;EU:12.7;APAC:10.7;EM:6.9;Other:2.5,Value:+0.4;Growth:+0.6;Quality:+0.5;Size:-0.6;Momentum:-0.5;LowVol:+1.0,ESGOnly;MaxPos6%;NoDerivatives,10,35,5.6,hard 10%,132,19.1,Bull,17.6,3.68,2.3,83,80,93,59,true,Rebalance,Rebalance back to target bands,30,1,BrokerC,MKT,96,VAR>budget,Hedge,Risk above budget threshold,101,0,240,4,false,Within IPS guidelines
P6631,Opportunistic,401k,USD,2025-01-29,1683591,133531,1550060,1.0,70.5,12.4,10.3,6.8,BND:13.1%;TSLA:29.0%;VOO:29.0%;MUB:29.0%,US:63.9;EU:9.8;APAC:15.2;EM:7.1;Other:4.0,Value:-0.0;Growth:+0.2;Quality:+0.2;Size:-0.3;Momentum:-0.3;LowVol:-0.5,MaxPos8%,5,25,4.4,trailing 7%,272,33.5,Volatile,24.1,5.44,2.0,164,49,68,79,true,Rebalance,Rebalance back to target bands,19,-11,BrokerB,MKT,99,VAR>budget,Reduce,Risk above budget threshold,-45,19,-39,5,false,Increase defensive factor exposure
P6632,Systematic,IRA,USD,2025-08-13,1628332,151271,1477061,1.0,65.4,25.4,0.1,9.1,QQQ:21.9%;TSLA:30.8%;VTI:16.6%;AMZN:30.8%,US:71.1;EU:11.4;APAC:6.6;EM:8.6;Other:2.3,Value:-0.5;Growth:-0.1;Quality:-0.3;Size:+0.1;Momentum:+0.8;LowVol:-0.2,MaxPos7%,10,35,4.2,hard 12%,122,22.0,Sideways,20.9,4.29,3.4,90,33,58,66,false,Rebalance,Shift +1% to bonds from equity,-2,-29,BrokerB,MKT,89,None,None,Normal monitoring,108,-27,80,5,false,Increase defensive factor exposure
P6633,Hands-off,401k,USD,2025-04-27,775504,71292,704212,1.0,61.3,22.7,10.8,5.2,BND:28.2%;MSFT:28.2%;HYG:28.2%;TSLA:15.3%,US:62.6;EU:8.9;APAC:15.3;EM:13.1;Other:0.0,Value:-0.9;Growth:-0.3;Quality:+0.5;Size:-0.5;Momentum:-0.4;LowVol:-0.2,,6,30,3.1,trailing 8%,138,13.3,Bull,11.4,4.48,2.6,106,118,100,35,false,Sell,Trim extended winner -1%,-15,-9,BrokerC,MKT,87,None,None,Normal monitoring,54,7,165,3,false,Within IPS guidelines
P6634,Cautious,401k,USD,2024-11-06,771968,88181,683787,1.0,49.9,39.6,0.0,10.5,QQQ:35.8%;AAPL:35.8%;GLD:28.4%,US:59.8;EU:13.7;APAC:13.8;EM:12.0;Other:0.8,Value:+0.1;Growth:+0.7;Quality:-0.4;Size:+0.5;Momentum:0.0;LowVol:+0.2,ESGOnly;NoMargin,6,30,3.9,trailing 8%,114,15.3,Volatile,26.4,4.83,2.7,180,57,89,53,false,Buy,Add to core equity +1%,9,14,BrokerD,LMT,95,None,None,Normal monitoring,-55,-3,-57,3,false,Within IPS guidelines
P6635,Cautious,Taxable,USD,2025-02-08,671018,107121,563897,1.0,47.7,38.5,0.0,13.8,TLT:25.9%;VOO:25.9%;IEF:25.9%;BND:22.4%,US:68.8;EU:10.6;APAC:10.8;EM:6.2;Other:3.5,Value:+0.1;Growth:+0.7;Quality:+0.9;Size:+0.5;Momentum:+0.1;LowVol:-0.9,ESGOnly;MaxPos6%;NoMargin,7,30,5.0,trailing 10%,150,14.6,Sideways,17.9,4.35,2.1,103,28,65,40,false,Rebalance,Shift +1% to bonds from equity,-2,-14,BrokerA,LMT,99,None,None,Normal monitoring,106,19,92,4,false,Tighten stops on momentum names
P6636,Systematic,401k,USD,2024-08-30,1485041,136730,1348311,1.0,64.6,28.3,1.0,6.1,VNQ:33.3%;QQQ:33.3%;VTI:33.3%,US:71.2;EU:10.4;APAC:13.2;EM:4.4;Other:0.7,Value:+0.7;Growth:+0.2;Quality:-0.2;Size:-0.5;Momentum:+0.2;LowVol:-0.4,MaxPos5%,5,25,4.0,trailing 8%,195,24.8,Bull,14.8,3.96,2.2,112,25,65,38,false,Rebalance,Shift +1% to bonds from equity,-11,2,BrokerC,LMT,85,None,None,Normal monitoring,19,-39,25,5,false,Monitor dispersion and breadth
P6637,Opportunistic,401k,USD,2024-11-29,1288526,95895,1192631,1.0,72.2,13.5,8.9,5.3,IEF:35.5%;GLD:35.5%;BRK.B:28.9%,US:72.8;EU:13.8;APAC:6.7;EM:4.9;Other:1.7,Value:+0.6;Growth:-0.3;Quality:+0.8;Size:-0.5;Momentum:-0.4;LowVol:-0.5,,7,35,4.9,hard 12%,181,31.0,Volatile,30.7,3.7,2.2,126,67,72,82,true,Hedge,Buy index puts 1% notional,-2,13,BrokerD,MKT,85,RegimeShift,Pause,Volatility spike and breadth deterioration,-55,-34,-70,5,false,Increase defensive factor exposure
P6638,Cautious,Taxable,USD,2025-12-14,425990,42633,383357,1.0,47.4,35.1,3.3,14.1,AAPL:27.5%;MSFT:27.5%;GLD:17.5%;TLT:27.5%,US:68.6;EU:12.7;APAC:5.5;EM:9.8;Other:3.4,Value:-0.8;Growth:+0.3;Quality:+0.6;Size:+0.3;Momentum:0.0;LowVol:-0.1,ESGOnly;MaxPos8%;NoMargin,6,30,4.3,trailing 8%,148,15.3,Volatile,24.3,3.5,4.3,171,3,47,49,false,Sell,Trim extended winner -1%,2,-24,BrokerB,LMT,96,None,None,Normal monitoring,-57,-14,-31,3,false,Tighten stops on momentum names
P6639,Active,Trust,USD,2025-06-26,916906,58860,858046,1.0,50.7,23.7,17.8,7.7,GLD:18.8%;IEF:22.0%;AAPL:16.9%;XLF:20.3%;VNQ:22.0%,US:68.0;EU:14.5;APAC:11.0;EM:6.0;Other:0.5,Value:+1.0;Growth:-0.0;Quality:-0.7;Size:+0.3;Momentum:+0.6;LowVol:+0.7,,6,25,4.1,hard 12%,190,20.8,Bull,13.5,4.58,2.6,92,79,82,46,false,Buy,Add to core equity +1%,11,14,BrokerC,MKT,100,None,None,Normal monitoring,-17,-54,-22,3,false,Increase defensive factor exposure
P6640,Cautious,Taxable,USD,2025-02-16,607513,94393,513120,1.0,36.5,34.8,14.2,14.6,AAPL:33.3%;VNQ:33.3%;XLF:33.3%,US:74.6;EU:11.8;APAC:7.5;EM:3.0;Other:3.1,Value:+0.5;Growth:+0.3;Quality:-0.2;Size:-0.3;Momentum:+0.1;LowVol:-0.8,ESGOnly;NoMargin,7,25,3.9,hard 10%,98,17.2,Volatile,21.3,4.61,2.4,175,-20,29,53,false,NoAction,Within bands; monitor,17,-23,BrokerD,LMT,97,None,None,Normal monitoring,-13,9,15,5,false,Within IPS guidelines
P6641,Hands-off,IRA,USD,2024-12-11,889651,42282,847369,1.0,74.6,20.1,0.0,5.3,GLD:15.2%;AAPL:25.9%;BRK.B:14.1%;HYG:25.9%;VOO:19.0%,US:61.6;EU:14.6;APAC:13.0;EM:10.6;Other:0.2,Value:+0.6;Growth:-0.8;Quality:-0.1;Size:-0.7;Momentum:+0.9;LowVol:-0.1,,10,35,4.6,hard 10%,143,14.1,Bull,13.3,3.62,2.9,81,103,100,44,false,Sell,Trim extended winner -1%,-10,-30,BrokerD,MKT,86,None,None,Normal monitoring,-16,-50,34,3,false,Tax-aware sells next window
P6642,Cautious,IRA,USD,2024-07-07,470549,38560,431989,1.0,46.3,42.7,0.0,11.0,VNQ:27.1%;GLD:27.1%;MSFT:18.7%;BND:27.1%,US:61.3;EU:15.8;APAC:13.2;EM:6.0;Other:3.6,Value:-0.9;Growth:-0.6;Quality:+0.9;Size:+0.8;Momentum:+0.2;LowVol:+0.1,ESGOnly;NoMargin,7,30,5.2,trailing 8%,110,17.8,Bull,12.3,4.21,2.4,80,99,87,30,false,Buy,Add to core equity +1%,13,2,BrokerB,VWAP,89,None,None,Normal monitoring,68,-29,132,3,false,Monitor dispersion and breadth
P6643,Opportunistic,401k,USD,2024-07-07,797086,38911,758175,1.0,76.7,13.5,3.8,6.0,HYG:13.2%;TSLA:20.9%;AAPL:17.9%;BRK.B:17.7%;AMZN:20.9%;GLD:9.4%,US:65.4;EU:18.2;APAC:5.1;EM:9.0;Other:2.3,Value:-0.6;Growth:+0.3;Quality:+1.0;Size:+1.0;Momentum:+1.0;LowVol:+0.2,MaxPos6%,5,30,4.2,hard 12%,161,23.5,Bull,16.8,4.4,3.0,76,58,77,59,true,Hedge,Buy index puts 1% notional,-1,-8,BrokerB,MKT,94,Drift>tolerance,Hedge,Allocation drift beyond policy bands,48,-40,102,2,false,Within IPS guidelines
P6644,Systematic,Trust,USD,2025-01-19,1968437,128713,1839724,1.0,62.4,20.2,11.9,5.5,BRK.B:27.5%;TSLA:21.6%;VTI:23.4%;VOO:27.5%,US:60.3;EU:18.4;APAC:11.5;EM:8.3;Other:1.5,Value:+0.2;Growth:0.0;Quality:-0.0;Size:-0.9;Momentum:+0.3;LowVol:-0.8,NoDerivatives,6,30,5.8,hard 12%,155,18.8,Bull,15.8,4.99,3.1,104,52,91,50,true,Hedge,Buy index puts 1% notional,1,-27,BrokerD,MKT,85,Drift>tolerance,Reduce,Allocation drift beyond policy bands,105,-42,68,3,false,Increase defensive factor exposure
P6645,Opportunistic,401k,USD,2025-09-28,1221893,79277,1142616,1.06,64.1,19.4,11.9,4.5,AMZN:21.7%;TLT:13.2%;MUB:21.7%;XLF:21.7%;VTI:21.7%,US:56.5;EU:20.1;APAC:11.7;EM:8.6;Other:3.1,Value:-0.5;Growth:-0.6;Quality:+0.4;Size:-0.7;Momentum:+0.3;LowVol:+0.3,MaxPos6%,6,35,4.2,trailing 7%,181,25.9,Volatile,29.0,3.76,2.5,142,6,51,66,false,Rebalance,Shift +1% to bonds from equity,17,-3,BrokerD,MKT,93,None,None,Normal monitoring,-6,-26,77,3,false,Within IPS guidelines
P6646,Hands-off,Roth,USD,2025-02-24,160126,14033,146093,1.0,68.6,24.6,0.0,6.8,MSFT:23.8%;TSLA:12.4%;BND:11.9%;VTI:23.8%;QQQ:13.8%;VNQ:14.2%,US:72.9;EU:9.2;APAC:11.7;EM:5.0;Other:1.2,Value:-0.6;Growth:-0.9;Quality:-0.1;Size:+0.6;Momentum:+0.2;LowVol:-0.7,,5,30,4.4,trailing 8%,123,17.4,Volatile,30.5,3.81,4.0,159,70,83,74,true,Rebalance,Rebalance back to target bands,14,-25,BrokerA,MKT,97,Drift>tolerance,Reduce,Allocation drift beyond policy bands,99,-60,126,3,false,Tighten stops on momentum names
P6647,Cautious,401k,USD,2024-09-05,357866,46837,311029,1.0,36.2,34.3,12.1,17.3,VTI:21.5%;BRK.B:21.5%;AAPL:14.6%;BND:21.5%;XLF:20.8%,US:71.3;EU:5.8;APAC:11.2;EM:11.0;Other:0.7,Value:+0.3;Growth:-0.6;Quality:-0.8;Size:-0.8;Momentum:+0.6;LowVol:-0.1,ESGOnly;NoDerivatives;NoMargin,8,25,4.5,trailing 8%,104,17.3,Volatile,29.2,5.4,2.8,131,5,48,58,true,Reduce,"Cut high-beta by 2-3%, add cash",-13,-27,BrokerA,MKT,100,VAR>budget,Hedge,Risk above budget threshold,-17,-23,109,2,true,Increase defensive factor exposure
P6648,Cautious,401k,USD,2024-09-29,340113,41737,298376,1.0,37.7,40.4,10.2,11.8,VNQ:34.9%;AMZN:30.8%;QQQ:34.3%,US:68.7;EU:14.0;APAC:8.2;EM:7.7;Other:1.4,Value:-0.5;Growth:-0.5;Quality:+0.5;Size:-0.0;Momentum:-0.6;LowVol:-0.2,NoMargin,6,25,4.4,trailing 8%,142,13.1,Sideways,17.1,4.74,3.1,121,38,79,41,false,NoAction,Within bands; monitor,-2,-8,BrokerB,VWAP,91,None,None,Normal monitoring,95,-37,102,5,false,Tax-aware sells next window
P6649,Cautious,IRA,USD,2025-03-15,882250,88760,793490,1.0,36.2,31.0,17.8,15.0,TLT:26.4%;XLF:22.0%;MSFT:25.2%;AAPL:26.4%,US:66.6;EU:10.1;APAC:12.0;EM:7.9;Other:3.5,Value:-0.9;Growth:+0.1;Quality:-0.8;Size:+0.4;Momentum:+0.6;LowVol:-0.5,MaxPos8%;NoMargin,7,30,5.6,trailing 8%,92,19.8,Bull,14.5,4.56,2.1,115,57,81,26,false,Hedge,Add TLT +1% as duration hedge,-6,-32,BrokerD,LMT,90,None,None,Normal monitoring,-2,-19,49,4,false,Increase defensive factor exposure
P6650,Hands-off,IRA,USD,2024-08-21,737330,51610,685720,1.0,63.2,15.0,16.2,5.5,TLT:14.8%;AMZN:24.1%;VOO:24.1%;BND:13.0%;GLD:24.1%,US:72.0;EU:10.4;APAC:12.3;EM:3.6;Other:1.6,Value:+0.8;Growth:+0.7;Quality:0.0;Size:+1.0;Momentum:-0.7;LowVol:-0.3,ESGOnly,6,35,4.4,trailing 8%,159,19.9,Sideways,20.0,4.67,3.1,92,16,52,61,false,Hedge,Add TLT +1% as duration hedge,-7,-7,BrokerB,VWAP,98,None,None,Normal monitoring,61,-46,137,3,false,Tax-aware sells next window
P6651,Opportunistic,Roth,USD,2025-01-17,1464411,63187,1401224,1.0,66.6,17.5,8.1,7.7,MUB:34.4%;VTI:31.1%;AAPL:34.4%,US:71.5;EU:7.7;APAC:6.4;EM:10.7;Other:3.7,Value:+0.6;Growth:-0.8;Quality:-0.1;Size:+0.1;Momentum:-0.8;LowVol:+0.2,,10,35,6.6,trailing 7%,191,28.8,Bear,34.3,4.48,2.9,215,-74,5,82,true,Hedge,Buy index puts 1% notional,0,6,BrokerC,LMT,98,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-19,-4,-5,3,false,Within IPS guidelines
P6652,Active,Roth,USD,2025-12-01,1072203,101300,970903,1.0,69.8,19.7,3.3,7.2,XLF:25.0%;QQQ:25.0%;HYG:25.0%;AAPL:25.0%,US:67.0;EU:10.2;APAC:11.8;EM:7.8;Other:3.2,Value:+1.0;Growth:+0.4;Quality:-0.9;Size:+1.0;Momentum:-0.7;LowVol:+0.4,,10,25,4.7,trailing 8%,230,25.6,Bear,26.9,3.2,1.6,198,28,65,79,true,Hedge,Buy index puts 1% notional,18,-25,BrokerC,LMT,86,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-6,-43,25,5,false,Tax-aware sells next window
P6653,Cautious,Taxable,USD,2025-10-04,817253,75431,741822,1.0,40.5,42.6,0.0,16.9,BND:25.5%;MUB:26.0%;QQQ:22.5%;GLD:26.0%,US:69.3;EU:9.4;APAC:9.4;EM:9.9;Other:2.0,Value:+0.6;Growth:+0.2;Quality:-0.6;Size:-0.6;Momentum:-0.3;LowVol:+0.6,MaxPos8%;NoMargin,5,35,3.9,trailing 10%,101,15.0,Sideways,20.1,4.7,3.0,122,24,53,42,false,Rebalance,Shift +1% to bonds from equity,18,-3,BrokerA,MKT,98,None,None,Normal monitoring,-20,7,100,3,false,Tighten stops on momentum names
P6654,Active,Trust,USD,2025-08-23,2375368,236523,2138845,1.15,64.6,29.0,0.0,6.4,QQQ:23.4%;IEF:15.1%;MUB:23.4%;AMZN:23.4%;AAPL:14.7%,US:68.3;EU:10.5;APAC:11.1;EM:9.0;Other:1.1,Value:+0.1;Growth:+0.1;Quality:-0.5;Size:-0.2;Momentum:+0.6;LowVol:+0.3,,7,35,4.2,trailing 8%,185,25.6,Bear,23.3,4.31,1.6,209,2,57,71,true,Rebalance,Rebalance back to target bands,2,-4,BrokerC,LMT,100,Drift>tolerance,Hedge,Allocation drift beyond policy bands,71,-18,169,4,false,Monitor dispersion and breadth
P6655,Hands-off,Roth,USD,2024-11-25,686260,27549,658711,1.0,64.6,22.7,4.0,8.7,BND:21.6%;HYG:9.1%;TLT:6.8%;VTI:20.5%;MUB:21.6%;BRK.B:20.4%,US:74.4;EU:5.2;APAC:8.9;EM:11.4;Other:0.1,Value:+1.0;Growth:+0.8;Quality:+0.4;Size:+0.7;Momentum:+0.1;LowVol:-0.3,,7,35,3.4,trailing 8%,111,16.3,Volatile,22.6,4.17,3.2,125,-30,28,63,false,Buy,Add to core equity +1%,-13,-36,BrokerB,LMT,90,None,None,Normal monitoring,82,11,112,4,false,Monitor dispersion and breadth
P6656,Active,IRA,USD,2024-09-05,1695441,197471,1497970,1.24,57.4,22.8,13.8,6.0,MSFT:33.3%;BRK.B:33.3%;BND:33.3%,US:61.8;EU:12.6;APAC:8.6;EM:11.5;Other:5.5,Value:-0.9;Growth:+0.5;Quality:+0.3;Size:-0.0;Momentum:+0.5;LowVol:+0.2,NoDerivatives,8,35,5.5,trailing 8%,201,26.2,Bear,35.0,3.61,2.8,185,-104,5,84,true,Reduce,"Cut high-beta by 2-3%, add cash",32,0,BrokerD,VWAP,87,VAR>budget,Reduce,Risk above budget threshold,-14,19,122,3,false,Tax-aware sells next window
P6657,Active,Roth,USD,2025-05-04,1809817,207951,1601866,1.0,65.0,23.4,4.6,7.1,VOO:33.3%;BND:33.3%;TLT:33.3%,US:70.6;EU:6.7;APAC:9.6;EM:8.8;Other:4.3,Value:+0.8;Growth:+1.0;Quality:-0.7;Size:+0.6;Momentum:-0.2;LowVol:-0.5,,10,25,5.7,trailing 8%,218,24.3,Bull,17.1,4.07,3.0,89,105,90,48,false,Rebalance,Shift +1% to bonds from equity,34,-38,BrokerD,MKT,87,None,None,Normal monitoring,-15,-40,106,3,false,Increase defensive factor exposure
P6658,Active,Trust,USD,2025-01-25,705377,61375,644002,1.16,61.8,27.8,4.1,6.3,TLT:33.3%;VNQ:33.3%;MUB:33.3%,US:75.3;EU:7.6;APAC:8.4;EM:5.3;Other:3.4,Value:-0.2;Growth:0.0;Quality:-0.9;Size:+0.5;Momentum:+0.3;LowVol:+0.2,MaxPos7%,7,35,4.9,trailing 8%,177,23.7,Bear,32.8,3.66,2.5,209,35,57,85,true,Reduce,"Cut high-beta by 2-3%, add cash",-5,12,BrokerD,MKT,92,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-31,-13,92,5,true,Monitor dispersion and breadth
P6659,Systematic,Taxable,USD,2025-11-15,1640804,117229,1523575,1.0,60.7,22.4,9.2,7.7,GLD:33.3%;TLT:33.3%;TSLA:33.3%,US:60.6;EU:15.4;APAC:12.9;EM:10.6;Other:0.4,Value:+0.1;Growth:-0.0;Quality:+0.5;Size:+0.7;Momentum:-0.7;LowVol:-0.4,,7,25,4.4,hard 12%,196,21.8,Bull,16.2,4.23,2.7,116,21,46,49,false,Hedge,Add TLT +1% as duration hedge,-10,-34,BrokerB,MKT,85,None,None,Normal monitoring,103,-52,121,5,false,Tax-aware sells next window
P6660,Active,401k,USD,2025-02-21,2269589,260393,2009196,1.0,52.2,22.0,20.0,5.7,GLD:19.8%;QQQ:22.1%;HYG:22.1%;TLT:13.8%;XLF:22.1%,US:64.6;EU:19.0;APAC:8.1;EM:4.7;Other:3.7,Value:-0.9;Growth:-0.7;Quality:-0.3;Size:0.0;Momentum:-0.0;LowVol:+1.0,NoDerivatives,8,25,5.3,hard 12%,127,19.2,Bear,28.8,3.98,1.6,207,-103,5,74,true,Hedge,Buy index puts 1% notional,17,-37,BrokerA,MKT,94,Drift>tolerance,Reduce,Allocation drift beyond policy bands,26,-35,60,5,false,Monitor dispersion and breadth
P6661,Hands-off,Trust,USD,2025-08-11,284961,18013,266948,1.0,61.0,30.0,0.0,8.9,QQQ:7.6%;VTI:22.5%;AMZN:22.5%;TLT:19.1%;VNQ:13.5%;XLF:14.8%,US:70.2;EU:14.0;APAC:6.5;EM:6.7;Other:2.7,Value:-0.3;Growth:-0.0;Quality:-0.6;Size:+0.2;Momentum:+0.5;LowVol:-0.7,ESGOnly;MaxPos7%,7,25,4.9,trailing 10%,98,13.9,Bull,12.3,3.82,2.2,72,36,68,44,true,Reduce,"Cut high-beta by 2-3%, add cash",9,-18,BrokerC,MKT,95,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-8,-59,18,5,false,Tax-aware sells next window
P6662,Cautious,Roth,USD,2024-09-23,850768,82237,768531,1.0,43.4,30.6,9.5,16.6,MSFT:14.5%;AMZN:23.3%;TLT:23.3%;IEF:10.6%;VNQ:10.4%;HYG:18.0%,US:69.4;EU:17.2;APAC:6.9;EM:3.7;Other:2.8,Value:+0.6;Growth:-0.5;Quality:-0.6;Size:+0.8;Momentum:-0.7;LowVol:+0.9,NoMargin,10,35,3.5,trailing 8%,129,19.5,Volatile,28.7,5.28,4.4,158,26,61,65,false,Buy,Add to core equity +1%,-9,-23,BrokerA,LMT,87,None,None,Normal monitoring,30,-48,7,3,false,Increase defensive factor exposure
P6663,Active,Roth,USD,2024-08-23,1151329,136929,1014400,1.0,56.5,30.7,3.8,9.0,VNQ:33.3%;TLT:33.3%;AMZN:33.3%,US:61.0;EU:12.0;APAC:10.8;EM:11.0;Other:5.2,Value:-0.6;Growth:+0.6;Quality:+0.7;Size:+0.6;Momentum:+0.2;LowVol:+0.7,MaxPos7%;NoDerivatives,8,30,4.1,trailing 9%,121,24.8,Sideways,17.6,4.4,2.1,107,-3,54,47,false,Buy,Add to core equity +1%,-13,-32,BrokerB,MKT,92,None,None,Normal monitoring,4,-48,-7,5,false,Increase defensive factor exposure
P6664,Active,IRA,USD,2025-07-19,2469238,283213,2186025,1.0,67.7,22.9,0.4,9.0,XLF:23.0%;IEF:23.0%;MUB:16.2%;VNQ:23.0%;AMZN:14.9%,US:69.5;EU:13.0;APAC:6.5;EM:10.9;Other:0.1,Value:+0.4;Growth:+0.5;Quality:-0.2;Size:+0.7;Momentum:-0.2;LowVol:-0.2,NoDerivatives,6,35,5.0,hard 12%,147,25.3,Volatile,23.5,4.95,4.0,172,45,85,65,false,Rebalance,Shift +1% to bonds from equity,-12,-24,BrokerC,VWAP,88,None,None,Normal monitoring,47,-31,163,3,false,Monitor dispersion and breadth
P6665,Opportunistic,IRA,USD,2024-12-16,958756,42597,916159,1.07,66.6,13.4,13.2,6.8,AAPL:24.6%;QQQ:25.1%;VTI:25.1%;TSLA:25.1%,US:74.3;EU:6.4;APAC:6.4;EM:10.8;Other:2.2,Value:+0.2;Growth:+0.7;Quality:+0.1;Size:-0.7;Momentum:+0.3;LowVol:+0.5,MaxPos7%,10,30,6.9,trailing 7%,254,33.9,Bull,12.7,3.64,3.3,91,18,51,40,false,Rebalance,Shift +1% to bonds from equity,16,-32,BrokerB,MKT,91,None,None,Normal monitoring,-13,-49,-26,5,false,Tax-aware sells next window
P6666,Systematic,Trust,USD,2024-09-16,1787068,175049,1612019,1.0,67.4,24.5,2.4,5.6,AAPL:33.3%;GLD:33.3%;MUB:33.3%,US:59.3;EU:15.1;APAC:12.4;EM:9.1;Other:4.1,Value:-0.2;Growth:+1.0;Quality:-0.8;Size:+0.5;Momentum:+0.1;LowVol:+0.6,MaxPos6%,7,30,5.6,trailing 9%,196,24.5,Sideways,16.0,4.07,2.0,125,52,88,49,false,Sell,Trim extended winner -1%,1,-19,BrokerC,LMT,95,None,None,Normal monitoring,61,-44,75,4,false,Tax-aware sells next window
P6667,Systematic,Trust,USD,2025-08-16,1707867,132671,1575196,1.0,55.8,26.6,10.9,6.7,MSFT:21.0%;TLT:15.8%;BND:13.0%;HYG:19.3%;VNQ:13.7%;XLF:17.3%,US:57.1;EU:16.4;APAC:13.0;EM:10.7;Other:2.9,Value:-0.6;Growth:-0.4;Quality:-0.2;Size:+0.1;Momentum:-0.7;LowVol:-0.3,,6,30,4.8,trailing 9%,211,23.2,Bear,33.3,3.28,1.6,213,-71,13,87,true,Reduce,"Cut high-beta by 2-3%, add cash",13,-31,BrokerA,MKT,85,RegimeShift,Reduce,Volatility spike and breadth deterioration,41,-4,14,3,false,Tax-aware sells next window
P6668,Systematic,Roth,USD,2025-06-05,1745723,127074,1618649,1.0,62.2,23.2,7.3,7.3,GLD:26.8%;AAPL:26.8%;BRK.B:26.8%;XLF:19.7%,US:68.7;EU:8.2;APAC:8.2;EM:13.2;Other:1.8,Value:+0.4;Growth:+0.6;Quality:-0.3;Size:+0.3;Momentum:+0.4;LowVol:-0.4,NoDerivatives,6,25,5.9,trailing 8%,149,18.9,Volatile,25.7,4.92,3.9,121,26,50,75,true,Reduce,"Cut high-beta by 2-3%, add cash",-7,8,BrokerB,MKT,87,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-18,-58,-43,5,false,Monitor dispersion and breadth
P6669,Hands-off,Taxable,USD,2025-09-01,184125,15113,169012,1.0,65.5,26.5,0.0,8.0,VNQ:9.6%;TLT:24.3%;GLD:24.3%;MSFT:17.6%;AMZN:24.3%,US:69.7;EU:15.8;APAC:6.3;EM:5.1;Other:3.1,Value:+0.7;Growth:+0.2;Quality:+0.2;Size:+0.8;Momentum:+0.4;LowVol:+0.4,ESGOnly,10,25,4.0,hard 10%,157,16.2,Volatile,25.1,5.12,4.3,125,15,67,65,false,Rebalance,Shift +1% to bonds from equity,28,3,BrokerC,MKT,99,None,None,Normal monitoring,-21,-52,2,3,false,Tax-aware sells next window
P6670,Cautious,Roth,USD,2024-07-24,321035,49762,271273,1.0,41.3,43.0,2.6,13.1,MUB:18.3%;BND:16.9%;TSLA:12.9%;IEF:19.5%;AAPL:10.3%;TLT:22.1%,US:76.4;EU:9.0;APAC:5.9;EM:5.0;Other:3.7,Value:-0.8;Growth:-0.1;Quality:+0.1;Size:-0.5;Momentum:-0.5;LowVol:+0.9,MaxPos6%;NoDerivatives;NoMargin,10,30,4.1,trailing 8%,93,13.5,Bear,30.3,3.76,1.6,190,-60,15,65,true,Rebalance,Rebalance back to target bands,7,-11,BrokerD,LMT,93,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-39,-51,55,3,false,Increase defensive factor exposure
P6671,Opportunistic,Trust,USD,2024-07-10,693268,55932,637336,1.0,62.7,16.8,13.9,6.5,VNQ:21.3%;GLD:14.9%;BRK.B:24.0%;TLT:15.9%;AAPL:24.0%,US:61.8;EU:16.4;APAC:11.9;EM:4.9;Other:5.0,Value:+0.9;Growth:-0.9;Quality:-1.0;Size:-0.3;Momentum:-0.4;LowVol:-0.8,NoDerivatives,10,30,6.8,hard 12%,246,26.1,Bull,12.3,4.84,2.8,80,85,100,41,false,Rebalance,Shift +1% to bonds from equity,31,14,BrokerD,LMT,96,None,None,Normal monitoring,-15,-17,2,5,false,Within IPS guidelines
P6672,Active,Roth,USD,2025-12-12,705493,52334,653159,1.0,64.3,21.6,6.5,7.6,MUB:21.0%;XLF:26.3%;TSLA:26.3%;BRK.B:26.3%,US:63.8;EU:9.1;APAC:11.8;EM:11.1;Other:4.2,Value:+0.8;Growth:-0.6;Quality:-0.2;Size:-0.7;Momentum:-0.2;LowVol:+0.2,,6,35,4.6,trailing 8%,219,27.4,Bull,17.5,4.66,2.5,112,68,90,58,false,Rebalance,Shift +1% to bonds from equity,2,-37,BrokerA,LMT,97,None,None,Normal monitoring,-47,-28,73,3,false,Tighten stops on momentum names
P6673,Opportunistic,401k,USD,2025-08-23,578082,27343,550739,1.0,69.1,20.0,6.2,4.7,AMZN:22.2%;IEF:25.9%;BND:25.9%;XLF:25.9%,US:65.5;EU:8.5;APAC:10.2;EM:11.9;Other:3.9,Value:+0.1;Growth:+0.8;Quality:+0.5;Size:-0.9;Momentum:+0.6;LowVol:-0.9,,5,25,5.0,trailing 7%,261,26.8,Bull,17.7,4.75,2.8,116,30,66,59,false,Sell,Trim extended winner -1%,31,-18,BrokerD,MKT,92,None,None,Normal monitoring,0,4,101,3,false,Tighten stops on momentum names
P6674,Active,Roth,USD,2024-08-22,1714057,167257,1546800,1.0,60.0,30.6,2.0,7.4,XLF:26.4%;QQQ:26.4%;AAPL:20.9%;TSLA:26.4%,US:58.2;EU:14.0;APAC:14.3;EM:8.8;Other:4.7,Value:+0.2;Growth:-0.8;Quality:+0.2;Size:+0.6;Momentum:-0.0;LowVol:-0.8,,6,25,5.9,trailing 8%,126,23.6,Volatile,26.2,4.85,4.0,138,-48,20,69,false,NoAction,Within bands; monitor,24,-36,BrokerD,LMT,97,None,None,Normal monitoring,14,-9,29,5,false,Tax-aware sells next window
P6675,Hands-off,Roth,USD,2025-08-18,633320,55241,578079,1.0,66.4,25.8,0.0,7.8,AMZN:34.2%;HYG:31.6%;TLT:34.2%,US:64.7;EU:10.3;APAC:14.5;EM:8.8;Other:1.7,Value:-0.3;Growth:+0.5;Quality:+0.1;Size:-0.3;Momentum:+0.6;LowVol:-0.7,ESGOnly,6,25,5.2,hard 10%,147,12.1,Bear,25.7,4.19,2.8,150,-84,21,80,true,Hedge,Buy index puts 1% notional,-4,-4,BrokerD,MKT,95,VAR>budget,Reduce,Risk above budget threshold,79,-55,55,5,false,Monitor dispersion and breadth
P6676,Hands-off,Roth,USD,2025-03-21,556766,42562,514204,1.0,55.0,24.3,12.2,8.5,HYG:11.8%;VTI:23.5%;BND:17.7%;XLF:23.5%;QQQ:23.5%,US:53.6;EU:17.4;APAC:13.5;EM:11.0;Other:4.5,Value:-0.4;Growth:-0.4;Quality:+0.7;Size:-0.4;Momentum:-0.9;LowVol:-0.5,ESGOnly,10,25,5.4,trailing 8%,155,18.7,Volatile,25.5,5.11,2.1,169,-48,30,66,false,Hedge,Add TLT +1% as duration hedge,0,-28,BrokerB,LMT,88,None,None,Normal monitoring,96,-45,98,5,false,Tax-aware sells next window
P6677,Hands-off,Taxable,USD,2025-04-18,546029,43929,502100,1.0,68.8,18.6,3.9,8.7,GLD:26.9%;AAPL:19.4%;AMZN:26.9%;BRK.B:26.9%,US:70.7;EU:13.6;APAC:8.2;EM:6.0;Other:1.5,Value:0.0;Growth:+0.1;Quality:+0.3;Size:+1.0;Momentum:+0.2;LowVol:+0.8,ESGOnly,8,25,5.5,hard 10%,144,15.4,Sideways,16.8,4.12,2.5,113,-23,45,49,false,Rebalance,Shift +1% to bonds from equity,10,6,BrokerB,MKT,91,None,None,Normal monitoring,89,-1,190,5,false,Tax-aware sells next window
P6678,Cautious,IRA,USD,2025-03-04,666720,58526,608194,1.0,51.1,34.1,0.0,14.9,QQQ:33.3%;BRK.B:33.3%;MUB:33.3%,US:73.5;EU:10.2;APAC:9.6;EM:3.3;Other:3.4,Value:-0.5;Growth:+0.2;Quality:+0.9;Size:-0.3;Momentum:-0.7;LowVol:-0.3,ESGOnly;NoDerivatives;NoMargin,6,30,3.3,trailing 10%,145,19.5,Bull,14.3,3.63,3.2,117,96,83,35,false,Buy,Add to core equity +1%,3,-32,BrokerA,MKT,85,None,None,Normal monitoring,66,10,106,3,false,Within IPS guidelines
P6679,Active,Trust,USD,2025-08-16,1356245,95012,1261233,1.16,66.3,28.5,0.0,5.1,BND:20.8%;VNQ:20.5%;BRK.B:20.8%;QQQ:18.7%;TLT:6.9%;AAPL:12.3%,US:62.0;EU:17.5;APAC:14.7;EM:5.0;Other:0.8,Value:-1.0;Growth:-0.1;Quality:-0.9;Size:-0.7;Momentum:-0.4;LowVol:-0.9,,6,30,4.6,trailing 9%,215,27.1,Volatile,25.0,3.88,2.9,124,-28,29,61,true,Hedge,Buy index puts 1% notional,20,-38,BrokerC,MKT,98,Drift>tolerance,Reduce,Allocation drift beyond policy bands,109,-57,244,3,false,Increase defensive factor exposure
P6680,Hands-off,Roth,USD,2024-11-21,203409,19699,183710,1.0,66.4,15.4,11.5,6.7,QQQ:21.9%;VTI:7.2%;MSFT:21.3%;BRK.B:14.1%;BND:21.9%;HYG:13.5%,US:63.8;EU:12.6;APAC:10.3;EM:8.4;Other:4.8,Value:+0.3;Growth:-1.0;Quality:+0.3;Size:-0.5;Momentum:-0.8;LowVol:-0.2,MaxPos6%,8,30,5.7,hard 10%,159,18.1,Bull,14.8,4.23,2.6,78,47,59,56,true,Rebalance,Rebalance back to target bands,-12,-23,BrokerC,LMT,85,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,38,-47,118,4,false,Within IPS guidelines
P6681,Hands-off,IRA,USD,2024-09-07,630535,25927,604608,1.0,64.6,28.0,0.0,7.4,MUB:23.5%;TLT:23.5%;MSFT:20.6%;VOO:11.5%;AMZN:20.9%,US:76.2;EU:8.9;APAC:8.6;EM:4.6;Other:1.8,Value:+0.1;Growth:-0.7;Quality:+0.8;Size:-0.9;Momentum:-0.7;LowVol:+0.1,,8,35,4.7,hard 10%,130,18.9,Volatile,22.8,4.19,3.5,174,-55,27,72,true,Hedge,Buy index puts 1% notional,4,-39,BrokerB,VWAP,97,RegimeShift,Hedge,Volatility spike and breadth deterioration,-48,-9,-62,5,false,Increase defensive factor exposure
P6682,Opportunistic,401k,USD,2024-08-25,684780,59106,625674,1.0,62.2,15.0,16.1,6.7,IEF:12.6%;BND:20.3%;GLD:6.4%;VOO:18.6%;QQQ:21.1%;TLT:21.1%,US:66.0;EU:12.8;APAC:11.6;EM:7.9;Other:1.6,Value:+0.4;Growth:-0.6;Quality:+0.2;Size:-0.6;Momentum:-0.7;LowVol:-0.9,,6,25,6.1,hard 12%,198,30.9,Bull,12.6,4.28,3.5,83,83,94,33,false,Buy,Add to core equity +1%,18,-30,BrokerA,MKT,85,None,None,Normal monitoring,97,-12,153,4,false,Monitor dispersion and breadth
P6683,Cautious,Roth,USD,2025-06-08,185626,21398,164228,1.0,40.3,38.8,7.7,13.2,AMZN:15.7%;TLT:9.4%;VOO:22.6%;IEF:18.8%;BRK.B:22.6%;XLF:10.8%,US:65.8;EU:11.8;APAC:14.2;EM:5.1;Other:3.1,Value:-0.8;Growth:+0.8;Quality:+0.8;Size:+0.5;Momentum:+0.5;LowVol:+0.2,ESGOnly;MaxPos7%;NoMargin,5,25,4.7,hard 10%,161,19.9,Bull,15.2,4.86,3.0,113,21,54,32,false,Rebalance,Shift +1% to bonds from equity,-15,-26,BrokerC,LMT,95,None,None,Normal monitoring,117,-15,211,4,false,Tax-aware sells next window
P6684,Opportunistic,Roth,USD,2025-04-24,444262,22792,421470,1.0,70.7,20.3,2.9,6.1,QQQ:23.0%;GLD:25.7%;AAPL:25.7%;IEF:25.7%,US:72.6;EU:12.4;APAC:8.6;EM:4.6;Other:1.8,Value:+1.0;Growth:-0.9;Quality:-0.8;Size:-0.9;Momentum:-0.1;LowVol:-0.1,MaxPos7%;NoDerivatives,8,30,5.1,trailing 7%,264,23.1,Volatile,26.0,4.06,3.9,120,-60,9,78,true,Rebalance,Rebalance back to target bands,-9,11,BrokerD,MKT,88,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-30,-3,89,4,false,Monitor dispersion and breadth
P6685,Cautious,401k,USD,2024-12-13,436926,36021,400905,1.0,42.6,35.6,8.2,13.5,VNQ:25.6%;VTI:25.6%;BND:25.6%;XLF:23.3%,US:65.7;EU:19.1;APAC:5.9;EM:5.2;Other:4.1,Value:+0.4;Growth:+0.1;Quality:-0.9;Size:+0.4;Momentum:+0.7;LowVol:-0.9,MaxPos7%;NoMargin,7,25,6.0,hard 10%,108,13.2,Bull,15.7,4.48,3.1,93,119,100,38,false,Buy,Add to core equity +1%,14,-30,BrokerC,LMT,88,None,None,Normal monitoring,74,-39,209,3,false,Monitor dispersion and breadth
P6686,Cautious,Taxable,USD,2025-08-12,345356,52317,293039,1.0,49.1,33.6,0.0,17.2,IEF:22.1%;VTI:22.1%;BND:12.4%;AMZN:22.1%;VNQ:21.2%,US:70.5;EU:8.7;APAC:12.8;EM:5.6;Other:2.4,Value:-0.4;Growth:+0.3;Quality:-0.6;Size:0.0;Momentum:-0.5;LowVol:-0.1,ESGOnly;MaxPos5%;NoMargin,7,35,3.7,hard 10%,91,13.9,Bear,33.0,4.07,1.5,218,-107,5,79,true,Rebalance,Rebalance back to target bands,10,4,BrokerA,LMT,87,VAR>budget,Reduce,Risk above budget threshold,-53,-25,84,5,false,Tax-aware sells next window
P6687,Systematic,401k,USD,2024-08-15,711983,57157,654826,1.0,66.8,22.1,5.6,5.5,IEF:33.3%;VNQ:33.3%;HYG:33.3%,US:63.8;EU:18.6;APAC:6.2;EM:7.5;Other:3.9,Value:+0.3;Growth:+0.6;Quality:-0.4;Size:+0.9;Momentum:+0.1;LowVol:-0.2,,5,25,4.9,trailing 9%,181,25.3,Bull,12.1,3.52,2.7,95,92,94,48,false,Rebalance,Shift +1% to bonds from equity,21,-3,BrokerB,LMT,89,None,None,Normal monitoring,46,-4,86,5,false,Increase defensive factor exposure
P6688,Hands-off,IRA,USD,2024-07-29,839975,34693,805282,1.0,69.8,21.5,0.0,8.7,VTI:33.3%;BND:33.3%;IEF:33.3%,US:60.4;EU:12.6;APAC:13.6;EM:12.8;Other:0.6,Value:+0.4;Growth:-0.4;Quality:-0.3;Size:-0.0;Momentum:+0.3;LowVol:+0.2,,6,30,3.9,trailing 8%,98,17.3,Bull,12.1,3.86,2.4,80,13,56,45,false,Rebalance,Shift +1% to bonds from equity,27,14,BrokerD,MKT,94,None,None,Normal monitoring,-57,-43,-5,3,false,Tax-aware sells next window
P6689,Hands-off,Taxable,USD,2025-03-27,353138,30747,322391,1.0,68.0,24.0,1.9,6.1,VOO:23.4%;MSFT:25.5%;TLT:25.5%;IEF:25.5%,US:65.7;EU:7.0;APAC:11.3;EM:11.0;Other:5.0,Value:-0.7;Growth:+0.3;Quality:-0.4;Size:-0.0;Momentum:+0.4;LowVol:+0.2,MaxPos6%,8,35,5.6,hard 10%,124,13.2,Bull,16.7,3.92,2.1,102,90,91,46,false,Rebalance,Shift +1% to bonds from equity,-1,-28,BrokerD,MKT,92,None,None,Normal monitoring,52,-33,149,3,false,Monitor dispersion and breadth
P6690,Hands-off,Roth,USD,2025-12-03,283039,14412,268627,1.0,72.8,17.8,0.0,9.4,XLF:10.1%;AMZN:21.5%;GLD:16.9%;IEF:21.5%;TLT:9.8%;BRK.B:20.2%,US:63.4;EU:12.9;APAC:11.7;EM:9.1;Other:2.9,Value:-1.0;Growth:+0.8;Quality:-0.1;Size:-0.4;Momentum:-0.7;LowVol:+0.4,,10,30,5.7,hard 10%,169,19.1,Bear,27.7,3.75,1.2,203,-7,44,89,true,Hedge,Buy index puts 1% notional,30,-1,BrokerD,VWAP,95,RegimeShift,Hedge,Volatility spike and breadth deterioration,27,20,45,3,false,Monitor dispersion and breadth
P6691,Active,IRA,USD,2025-09-26,1100302,98889,1001413,1.0,66.5,26.7,0.0,6.8,MSFT:23.5%;TSLA:23.5%;VTI:11.6%;TLT:8.2%;AMZN:23.5%;VOO:9.7%,US:60.2;EU:19.6;APAC:7.0;EM:11.9;Other:1.3,Value:-0.2;Growth:+0.6;Quality:-0.6;Size:-0.9;Momentum:+0.2;LowVol:-1.0,,5,35,5.6,hard 12%,214,23.4,Sideways,16.0,4.25,3.3,100,48,88,59,false,Rebalance,Shift +1% to bonds from equity,17,11,BrokerA,LMT,99,None,None,Normal monitoring,-46,-19,-35,4,false,Tighten stops on momentum names
P6692,Cautious,Roth,USD,2025-01-01,166092,18798,147294,1.0,45.0,42.4,0.0,12.6,BRK.B:19.6%;IEF:23.8%;AMZN:23.8%;MSFT:9.0%;GLD:23.8%,US:67.5;EU:12.8;APAC:12.9;EM:3.1;Other:3.7,Value:-0.7;Growth:+0.5;Quality:-0.5;Size:-0.3;Momentum:+0.5;LowVol:+0.5,ESGOnly;NoMargin,6,30,3.4,trailing 8%,112,16.1,Sideways,18.4,3.96,2.3,103,-28,24,42,false,Hedge,Add TLT +1% as duration hedge,25,-17,BrokerC,LMT,95,None,None,Normal monitoring,57,-7,177,5,false,Tax-aware sells next window
P6693,Active,Roth,USD,2024-11-15,554650,35722,518928,1.0,64.9,24.4,4.4,6.4,BND:27.2%;TSLA:27.2%;VTI:25.2%;AAPL:20.5%,US:70.9;EU:10.3;APAC:11.2;EM:5.7;Other:1.9,Value:0.0;Growth:+0.2;Quality:+0.9;Size:+0.1;Momentum:-0.0;LowVol:-0.7,MaxPos8%,7,35,5.9,trailing 9%,167,22.3,Bull,14.5,4.95,2.7,103,8,53,50,false,Sell,Trim extended winner -1%,-1,-40,BrokerD,MKT,91,None,None,Normal monitoring,104,-20,167,4,false,Tighten stops on momentum names
P6694,Active,Taxable,USD,2025-09-08,950474,87911,862563,1.0,53.0,28.1,11.4,7.5,VNQ:25.1%;VOO:25.1%;QQQ:13.0%;BND:14.6%;AAPL:22.2%,US:65.0;EU:9.9;APAC:13.6;EM:7.1;Other:4.5,Value:+0.6;Growth:-0.6;Quality:-0.1;Size:-0.4;Momentum:+0.2;LowVol:+0.7,,7,30,4.2,hard 12%,167,26.0,Sideways,17.1,3.78,3.0,105,32,78,39,false,NoAction,Within bands; monitor,-13,-4,BrokerC,LMT,100,None,None,Normal monitoring,22,-9,27,3,false,Increase defensive factor exposure
P6695,Hands-off,IRA,USD,2025-11-12,598949,36050,562899,1.0,58.0,16.8,20.0,5.2,QQQ:29.5%;BND:35.2%;IEF:35.2%,US:76.6;EU:5.2;APAC:11.0;EM:4.6;Other:2.6,Value:-0.3;Growth:+0.9;Quality:-0.5;Size:-0.3;Momentum:+0.5;LowVol:+0.2,ESGOnly;MaxPos5%,6,30,5.3,trailing 10%,105,18.2,Bull,15.4,3.51,2.2,114,86,86,47,false,Buy,Add to core equity +1%,31,-33,BrokerD,LMT,89,None,None,Normal monitoring,66,9,190,5,false,Tighten stops on momentum names
P6696,Cautious,IRA,USD,2025-02-25,754323,82135,672188,1.0,48.0,41.7,0.0,10.3,HYG:20.5%;BND:10.4%;MUB:20.5%;VNQ:14.1%;MSFT:15.2%;TLT:19.3%,US:70.2;EU:12.6;APAC:7.0;EM:7.9;Other:2.3,Value:-0.8;Growth:-0.0;Quality:-0.9;Size:-0.0;Momentum:+0.9;LowVol:-0.7,NoDerivatives;NoMargin,8,30,4.6,trailing 8%,167,20.0,Bull,13.1,4.87,2.6,110,64,69,39,false,Rebalance,Shift +1% to bonds from equity,-9,10,BrokerB,VWAP,89,None,None,Normal monitoring,84,10,222,3,false,Within IPS guidelines
P6697,Active,IRA,USD,2025-09-26,754687,69429,685258,1.15,65.4,26.9,1.1,6.6,TSLA:18.8%;MSFT:22.9%;QQQ:22.9%;BRK.B:22.9%;HYG:12.4%,US:67.8;EU:10.9;APAC:10.1;EM:6.5;Other:4.7,Value:-0.8;Growth:-0.8;Quality:+0.3;Size:+0.7;Momentum:+0.2;LowVol:+0.7,,6,35,5.6,hard 12%,221,26.7,Bear,34.2,4.19,2.4,163,11,52,92,true,Reduce,"Cut high-beta by 2-3%, add cash",0,9,BrokerB,MKT,99,VAR>budget,TightenStops,Risk above budget threshold,0,-24,37,5,false,Tax-aware sells next window
P6698,Hands-off,IRA,USD,2025-02-27,519630,43949,475681,1.0,70.9,23.4,0.0,5.8,VOO:12.0%;TSLA:14.4%;IEF:19.0%;AMZN:16.7%;XLF:18.5%;HYG:19.3%,US:63.8;EU:9.2;APAC:14.2;EM:7.9;Other:4.9,Value:-1.0;Growth:-0.5;Quality:+0.8;Size:+0.8;Momentum:-0.1;LowVol:+0.5,ESGOnly;MaxPos7%,5,30,4.8,trailing 8%,96,13.4,Bull,17.4,4.0,2.2,90,53,65,59,false,Hedge,Add TLT +1% as duration hedge,26,-21,BrokerA,LMT,97,None,None,Normal monitoring,101,-49,117,3,false,Within IPS guidelines
P6699,Active,IRA,USD,2024-10-02,922095,97763,824332,1.0,68.8,19.8,4.6,6.8,BRK.B:36.9%;MUB:26.3%;GLD:36.9%,US:71.3;EU:11.5;APAC:10.3;EM:5.2;Other:1.8,Value:+0.4;Growth:-0.8;Quality:+0.8;Size:-0.5;Momentum:+0.1;LowVol:+1.0,,5,35,5.8,trailing 8%,160,19.6,Sideways,16.0,4.43,2.1,123,44,68,56,false,Hedge,Add TLT +1% as duration hedge,7,-31,BrokerC,VWAP,86,None,None,Normal monitoring,119,-28,251,3,false,Tax-aware sells next window
P6700,Cautious,Taxable,USD,2024-10-18,667347,72871,594476,1.0,41.2,32.6,14.9,11.3,VNQ:12.2%;HYG:23.9%;VTI:16.2%;GLD:23.9%;MUB:23.9%,US:68.2;EU:12.2;APAC:13.5;EM:5.8;Other:0.3,Value:+0.5;Growth:+0.6;Quality:+0.8;Size:-0.6;Momentum:+0.3;LowVol:-0.5,ESGOnly;MaxPos6%;NoMargin,6,25,6.0,trailing 8%,119,12.7,Volatile,30.2,3.59,4.4,142,-53,10,71,true,Hedge,Buy index puts 1% notional,1,-34,BrokerB,LMT,89,VAR>budget,Pause,Risk above budget threshold,5,-55,114,5,false,Tax-aware sells next window
P6701,Hands-off,401k,USD,2025-03-12,221550,20743,200807,1.0,58.6,21.7,12.1,7.7,MSFT:37.9%;BND:24.2%;IEF:37.9%,US:70.8;EU:11.2;APAC:10.0;EM:5.4;Other:2.6,Value:+0.6;Growth:-0.4;Quality:+0.3;Size:-0.6;Momentum:+0.7;LowVol:-0.1,,10,25,4.7,trailing 8%,108,17.7,Volatile,30.3,4.79,2.2,142,-36,40,65,false,Rebalance,Shift +1% to bonds from equity,1,8,BrokerA,MKT,100,None,None,Normal monitoring,-33,-41,11,4,false,Within IPS guidelines
P6702,Opportunistic,Taxable,USD,2025-12-23,1199213,93749,1105464,1.0,71.4,20.9,0.0,7.7,BRK.B:33.3%;MSFT:33.3%;AAPL:33.3%,US:73.2;EU:5.8;APAC:11.5;EM:6.4;Other:3.0,Value:+0.4;Growth:-0.5;Quality:-0.5;Size:-0.3;Momentum:+0.2;LowVol:+0.7,,7,35,4.1,trailing 7%,177,22.9,Bear,23.1,3.93,2.3,200,-106,5,79,true,Reduce,"Cut high-beta by 2-3%, add cash",0,-24,BrokerC,LMT,89,Drift>tolerance,Pause,Allocation drift beyond policy bands,20,-45,32,2,true,Tax-aware sells next window
P6703,Opportunistic,IRA,USD,2025-03-10,1395344,96898,1298446,1.0,60.2,12.0,23.6,4.2,MUB:33.3%;AMZN:33.3%;VOO:33.3%,US:67.3;EU:14.9;APAC:7.1;EM:10.5;Other:0.2,Value:+0.1;Growth:+0.3;Quality:+0.4;Size:-0.1;Momentum:-0.6;LowVol:+1.0,,5,30,5.3,hard 12%,265,25.9,Bull,13.4,4.54,2.1,79,41,70,35,false,NoAction,Within bands; monitor,-5,-34,BrokerD,MKT,0,None,None,Normal monitoring,-53,-23,-8,4,false,Tighten stops on momentum names
P6704,Systematic,IRA,USD,2024-10-14,1247397,66609,1180788,1.0,55.6,24.8,11.9,7.8,AMZN:24.1%;VOO:17.5%;QQQ:18.7%;TSLA:15.6%;GLD:24.1%,US:64.9;EU:18.7;APAC:5.7;EM:9.0;Other:1.8,Value:-0.7;Growth:-0.8;Quality:+0.8;Size:+0.1;Momentum:-0.6;LowVol:+0.3,MaxPos6%,6,35,4.7,trailing 9%,174,20.4,Volatile,22.5,4.35,2.6,112,-4,57,60,false,Hedge,Add TLT +1% as duration hedge,22,2,BrokerD,MKT,91,None,None,Normal monitoring,-34,-37,7,4,false,Monitor dispersion and breadth
P6705,Opportunistic,IRA,USD,2025-08-27,1732735,55881,1676854,1.0,69.9,19.6,4.1,6.4,TSLA:22.1%;VNQ:7.8%;BND:7.5%;AMZN:22.1%;MUB:18.5%;MSFT:22.1%,US:72.2;EU:7.0;APAC:11.8;EM:4.5;Other:4.4,Value:+0.5;Growth:-0.6;Quality:-0.2;Size:+0.2;Momentum:+1.0;LowVol:+0.6,MaxPos7%,10,35,6.2,trailing 9%,245,27.1,Volatile,30.6,4.84,3.2,134,66,84,81,true,Reduce,"Cut high-beta by 2-3%, add cash",26,0,BrokerB,MKT,99,RegimeShift,Hedge,Volatility spike and breadth deterioration,27,8,27,2,false,Tax-aware sells next window
P6706,Systematic,401k,USD,2025-09-12,464984,21786,443198,1.0,61.0,24.7,4.4,9.9,MSFT:33.3%;VOO:33.3%;BRK.B:33.3%,US:66.2;EU:18.6;APAC:8.2;EM:6.0;Other:1.1,Value:+0.7;Growth:-0.2;Quality:-0.6;Size:+0.9;Momentum:+0.3;LowVol:+0.2,NoDerivatives,5,25,5.1,hard 12%,132,20.5,Bear,30.1,3.26,1.3,181,-65,22,81,true,Hedge,Buy index puts 1% notional,28,-2,BrokerA,LMT,89,RegimeShift,Reduce,Volatility spike and breadth deterioration,50,-37,38,2,false,Increase defensive factor exposure
P6707,Opportunistic,Taxable,USD,2025-07-08,556382,21497,534885,1.0,62.8,15.7,13.6,7.9,AAPL:22.6%;AMZN:22.6%;TSLA:22.6%;TLT:13.2%;MSFT:19.0%,US:63.3;EU:9.3;APAC:13.3;EM:11.1;Other:3.0,Value:+0.5;Growth:-0.5;Quality:-0.1;Size:-0.3;Momentum:+0.6;LowVol:+0.1,MaxPos6%,7,25,4.7,trailing 7%,169,33.1,Volatile,28.7,4.35,4.1,110,-38,42,73,true,Reduce,"Cut high-beta by 2-3%, add cash",-6,11,BrokerC,MKT,89,Drift>tolerance,Hedge,Allocation drift beyond policy bands,110,-23,238,4,false,Within IPS guidelines
P6708,Cautious,401k,USD,2025-10-28,400834,51566,349268,1.0,49.4,34.5,0.0,16.1,MUB:28.1%;HYG:35.9%;VOO:35.9%,US:66.5;EU:7.2;APAC:14.5;EM:10.1;Other:1.7,Value:+0.9;Growth:-0.5;Quality:-0.6;Size:+0.3;Momentum:-0.4;LowVol:-0.9,ESGOnly;MaxPos6%;NoMargin,7,25,4.0,trailing 8%,135,19.0,Volatile,20.2,3.85,4.3,142,42,79,46,false,Rebalance,Shift +1% to bonds from equity,22,-26,BrokerD,MKT,86,None,None,Normal monitoring,35,-34,99,3,false,Increase defensive factor exposure
P6709,Opportunistic,IRA,USD,2024-09-17,529442,40944,488498,1.09,67.8,13.1,10.2,8.8,MUB:33.3%;TSLA:33.3%;AMZN:33.3%,US:63.9;EU:12.6;APAC:10.7;EM:11.1;Other:1.7,Value:+0.2;Growth:-0.8;Quality:-1.0;Size:-0.6;Momentum:+0.4;LowVol:-0.0,,8,25,4.5,trailing 9%,178,30.6,Bear,24.2,4.09,2.4,214,-113,5,59,true,Hedge,Buy index puts 1% notional,2,-37,BrokerB,LMT,93,Drift>tolerance,Hedge,Allocation drift beyond policy bands,7,-2,70,4,false,Tax-aware sells next window
P6710,Active,Taxable,USD,2025-08-30,2286329,205408,2080921,1.0,57.4,25.0,8.9,8.7,VOO:33.2%;AAPL:33.4%;VTI:33.4%,US:56.2;EU:21.5;APAC:6.9;EM:10.2;Other:5.2,Value:+0.4;Growth:-0.6;Quality:+0.1;Size:-0.6;Momentum:+0.7;LowVol:+0.7,,5,30,6.0,hard 12%,226,21.6,Bull,13.4,4.59,2.8,79,63,70,35,true,Hedge,Buy index puts 1% notional,-1,9,BrokerC,MKT,87,RegimeShift,TightenStops,Volatility spike and breadth deterioration,-55,8,9,5,false,Within IPS guidelines
P6711,Hands-off,Roth,USD,2024-07-07,214827,14186,200641,1.0,68.4,20.0,2.2,9.4,GLD:18.9%;IEF:24.0%;VTI:10.1%;AMZN:24.0%;QQQ:22.9%,US:61.6;EU:14.8;APAC:11.3;EM:8.3;Other:4.0,Value:-0.6;Growth:-0.9;Quality:-0.2;Size:-0.2;Momentum:+0.4;LowVol:+0.1,NoDerivatives,7,35,5.0,trailing 8%,117,15.9,Bear,23.4,3.82,1.2,205,18,70,60,false,Rebalance,Shift +1% to bonds from equity,-14,-12,BrokerA,MKT,96,None,None,Normal monitoring,-58,-41,-11,5,false,Within IPS guidelines
P6712,Systematic,IRA,USD,2025-08-27,1961815,102484,1859331,1.0,63.0,24.2,5.5,7.3,MSFT:24.1%;AAPL:27.8%;HYG:27.8%;TLT:20.2%,US:75.9;EU:7.0;APAC:11.8;EM:3.3;Other:2.1,Value:+0.4;Growth:+0.2;Quality:-0.1;Size:+0.6;Momentum:-0.9;LowVol:-0.4,,5,30,4.7,trailing 8%,145,24.8,Volatile,23.9,4.45,3.5,162,62,86,75,true,Reduce,"Cut high-beta by 2-3%, add cash",6,-8,BrokerD,MKT,98,Drift>tolerance,Reduce,Allocation drift beyond policy bands,78,-44,78,5,false,Within IPS guidelines
P6713,Cautious,401k,USD,2025-08-12,442766,49801,392965,1.0,42.1,37.6,7.6,12.7,XLF:24.0%;BND:38.0%;AMZN:38.0%,US:55.6;EU:19.9;APAC:12.5;EM:8.4;Other:3.7,Value:+0.3;Growth:-0.5;Quality:-0.9;Size:+0.1;Momentum:+0.7;LowVol:-0.4,ESGOnly;MaxPos7%;NoDerivatives;NoMargin,6,25,4.0,trailing 8%,135,13.6,Volatile,25.5,4.22,3.3,150,30,77,55,false,Buy,Add to core equity +1%,25,7,BrokerB,MKT,92,None,None,Normal monitoring,-16,-53,28,4,false,Monitor dispersion and breadth
P6714,Opportunistic,401k,USD,2025-05-26,576888,50374,526514,1.0,65.1,15.3,13.9,5.7,IEF:37.9%;MUB:24.3%;BRK.B:37.9%,US:70.7;EU:7.8;APAC:8.4;EM:9.5;Other:3.6,Value:-0.8;Growth:+0.5;Quality:-0.7;Size:-0.2;Momentum:-0.3;LowVol:-0.6,,6,35,5.9,hard 12%,178,33.7,Volatile,21.0,3.63,3.0,173,74,99,53,false,Sell,Trim extended winner -1%,24,-8,BrokerC,LMT,86,None,None,Normal monitoring,92,-33,85,3,false,Tax-aware sells next window
P6715,Cautious,Taxable,USD,2025-09-29,695508,77937,617571,1.0,48.3,39.1,0.0,12.6,VTI:31.3%;MUB:34.3%;QQQ:34.3%,US:65.9;EU:14.3;APAC:9.1;EM:7.4;Other:3.3,Value:-0.8;Growth:-0.5;Quality:+0.3;Size:+0.4;Momentum:-0.9;LowVol:-0.3,NoDerivatives;NoMargin,6,25,3.1,trailing 8%,156,14.0,Sideways,21.7,4.0,2.3,114,-6,57,47,false,Sell,Trim extended winner -1%,17,13,BrokerB,LMT,99,None,None,Normal monitoring,100,15,60,3,false,Increase defensive factor exposure
P6716,Hands-off,IRA,USD,2024-12-28,557474,49059,508415,1.0,57.3,22.0,15.5,5.2,VOO:34.5%;GLD:34.5%;MSFT:31.0%,US:73.5;EU:13.9;APAC:6.4;EM:5.4;Other:0.8,Value:+0.9;Growth:-0.1;Quality:+0.4;Size:-0.7;Momentum:0.0;LowVol:+0.7,NoDerivatives,7,30,4.7,trailing 8%,133,16.8,Bull,15.1,3.91,3.1,84,13,42,37,false,NoAction,Within bands; monitor,-8,-36,BrokerB,LMT,96,None,None,Normal monitoring,45,-38,165,4,false,Within IPS guidelines
P6717,Hands-off,Taxable,USD,2025-01-06,276830,18282,258548,1.0,59.2,17.8,16.7,6.3,TLT:33.3%;GLD:33.3%;IEF:33.3%,US:75.2;EU:7.9;APAC:10.7;EM:5.5;Other:0.6,Value:+0.3;Growth:+0.4;Quality:-0.8;Size:+0.9;Momentum:+0.3;LowVol:+0.2,NoDerivatives,6,35,4.2,trailing 8%,159,17.6,Volatile,25.7,3.59,2.8,114,78,92,64,false,Rebalance,Shift +1% to bonds from equity,6,-33,BrokerC,LMT,85,None,None,Normal monitoring,7,-47,5,4,false,Tighten stops on momentum names
P6718,Hands-off,401k,USD,2025-07-10,170034,9318,160716,1.0,60.2,24.9,9.8,5.1,BRK.B:16.8%;BND:22.3%;XLF:19.3%;TSLA:8.4%;HYG:10.9%;MSFT:22.3%,US:68.4;EU:12.9;APAC:10.9;EM:6.2;Other:1.6,Value:-0.7;Growth:-0.0;Quality:+0.6;Size:+0.5;Momentum:-0.7;LowVol:+0.7,ESGOnly;MaxPos5%,10,30,4.1,trailing 10%,133,14.4,Bull,13.5,4.79,2.2,82,40,69,37,false,Rebalance,Shift +1% to bonds from equity,-1,-6,BrokerD,MKT,100,None,None,Normal monitoring,17,-44,-22,3,false,Within IPS guidelines
P6719,Cautious,Roth,USD,2025-04-03,174613,18235,156378,1.0,40.4,38.4,4.5,16.7,VNQ:24.3%;AMZN:18.7%;IEF:28.5%;VOO:28.5%,US:70.2;EU:5.7;APAC:14.7;EM:7.6;Other:1.8,Value:-0.2;Growth:0.0;Quality:+0.6;Size:-0.1;Momentum:+0.5;LowVol:-0.7,ESGOnly;MaxPos7%;NoDerivatives;NoMargin,6,35,5.4,trailing 10%,109,16.4,Volatile,24.1,4.78,2.2,140,15,68,42,false,Buy,Add to core equity +1%,-1,-14,BrokerA,MKT,92,None,None,Normal monitoring,36,-49,106,5,false,Monitor dispersion and breadth
P6720,Systematic,IRA,USD,2025-04-18,1668113,133979,1534134,1.0,59.2,20.7,13.1,7.0,BRK.B:21.4%;AAPL:21.4%;TLT:12.6%;XLF:16.1%;BND:8.4%;AMZN:20.0%,US:68.1;EU:17.1;APAC:6.8;EM:3.4;Other:4.6,Value:-0.8;Growth:-0.1;Quality:+0.3;Size:+0.9;Momentum:-0.2;LowVol:-0.8,,6,25,4.4,hard 12%,192,23.7,Bear,22.6,4.41,1.0,217,18,73,59,false,Rebalance,Shift +1% to bonds from equity,14,-30,BrokerC,VWAP,91,None,None,Normal monitoring,84,14,222,4,false,Tax-aware sells next window
P6721,Systematic,Roth,USD,2025-04-25,1680438,68345,1612093,1.0,69.9,21.6,2.9,5.5,AAPL:28.6%;QQQ:28.6%;XLF:14.3%;VOO:28.6%,US:75.1;EU:7.5;APAC:7.7;EM:4.5;Other:5.3,Value:+0.7;Growth:-0.2;Quality:-0.8;Size:+0.5;Momentum:+0.7;LowVol:+0.9,MaxPos6%;NoDerivatives,6,25,5.2,trailing 8%,167,17.4,Sideways,14.1,3.51,2.0,129,-26,34,45,false,Rebalance,Shift +1% to bonds from equity,32,0,BrokerD,LMT,100,None,None,Normal monitoring,72,-20,84,4,false,Within IPS guidelines
P6722,Hands-off,IRA,USD,2025-03-25,346578,15567,331011,1.0,59.6,16.4,16.9,7.2,TLT:11.2%;MSFT:19.0%;VNQ:20.6%;QQQ:12.8%;XLF:20.6%;MUB:15.8%,US:64.3;EU:9.1;APAC:15.9;EM:7.0;Other:3.7,Value:-0.9;Growth:-0.7;Quality:+0.1;Size:+1.0;Momentum:-0.8;LowVol:-0.6,ESGOnly;MaxPos8%,6,35,3.2,trailing 10%,94,14.0,Bear,22.6,3.7,1.2,175,23,56,52,false,Rebalance,Shift +1% to bonds from equity,22,6,BrokerD,LMT,92,None,None,Normal monitoring,88,-44,146,5,false,Within IPS guidelines
P6723,Opportunistic,Trust,USD,2025-06-06,848418,55941,792477,1.12,66.5,13.5,12.4,7.5,AAPL:26.9%;BRK.B:19.4%;VTI:26.9%;GLD:26.9%,US:64.6;EU:15.9;APAC:8.3;EM:9.5;Other:1.8,Value:+0.6;Growth:+0.5;Quality:+0.7;Size:-0.2;Momentum:-0.5;LowVol:-0.7,,6,30,6.2,hard 12%,243,32.2,Sideways,16.9,4.61,3.4,104,-26,29,43,false,Buy,Add to core equity +1%,1,-18,BrokerD,VWAP,96,None,None,Normal monitoring,-42,-5,-62,3,false,Increase defensive factor exposure
P6724,Systematic,IRA,USD,2025-06-19,519665,49458,470207,1.0,67.7,23.0,0.0,9.3,TSLA:27.6%;AAPL:36.2%;IEF:36.2%,US:60.7;EU:11.3;APAC:15.5;EM:6.7;Other:5.7,Value:+0.5;Growth:+0.8;Quality:-0.9;Size:+0.1;Momentum:-0.9;LowVol:+0.2,,7,25,5.4,trailing 9%,216,19.2,Bull,17.3,5.0,2.6,119,106,100,60,false,Rebalance,Shift +1% to bonds from equity,31,-21,BrokerC,MKT,98,None,None,Normal monitoring,-54,-38,6,4,false,Tighten stops on momentum names
P6725,Cautious,Trust,USD,2025-06-06,563558,68014,495544,1.0,49.0,39.0,0.0,12.0,VNQ:21.9%;VTI:23.1%;IEF:23.1%;XLF:23.0%;MUB:8.9%,US:62.4;EU:13.0;APAC:15.4;EM:3.8;Other:5.4,Value:+0.8;Growth:+0.6;Quality:+0.4;Size:-0.3;Momentum:-1.0;LowVol:+0.6,ESGOnly;NoDerivatives;NoMargin,5,25,3.6,trailing 8%,133,12.5,Volatile,28.4,4.4,3.4,157,38,60,63,false,Buy,Add to core equity +1%,-15,-18,BrokerB,LMT,93,None,None,Normal monitoring,-46,-32,-53,4,false,Tighten stops on momentum names
P6726,Cautious,401k,USD,2025-04-02,270525,25863,244662,1.0,42.7,32.3,9.7,15.3,VTI:21.0%;BRK.B:19.5%;HYG:21.0%;BND:21.0%;VNQ:17.4%,US:68.4;EU:9.3;APAC:13.3;EM:7.7;Other:1.3,Value:+0.3;Growth:-0.9;Quality:-0.9;Size:-0.9;Momentum:-0.6;LowVol:-0.4,ESGOnly;NoMargin,6,30,4.6,trailing 8%,169,13.7,Sideways,21.1,3.84,2.8,106,59,74,52,false,Rebalance,Shift +1% to bonds from equity,18,-6,BrokerB,LMT,90,None,None,Normal monitoring,17,20,24,4,false,Increase defensive factor exposure
P6727,Active,Trust,USD,2025-01-06,1809435,207130,1602305,1.15,62.5,24.1,7.7,5.7,BND:22.8%;MUB:21.5%;IEF:22.8%;XLF:17.0%;AMZN:15.9%,US:65.1;EU:18.5;APAC:8.3;EM:6.4;Other:1.7,Value:+0.1;Growth:+0.8;Quality:-0.9;Size:-0.8;Momentum:-0.3;LowVol:+0.2,,10,35,4.4,trailing 8%,140,23.5,Bear,34.5,3.83,2.3,207,-47,16,83,true,Hedge,Buy index puts 1% notional,4,-5,BrokerA,MKT,97,VAR>budget,Reduce,Risk above budget threshold,-24,3,-56,5,false,Tax-aware sells next window
P6728,Opportunistic,Roth,USD,2025-06-07,683215,21303,661912,1.0,62.1,17.6,14.7,5.6,TLT:18.6%;MUB:21.8%;GLD:17.4%;VTI:11.7%;VNQ:13.5%;BND:17.0%,US:62.1;EU:13.1;APAC:15.5;EM:7.4;Other:2.0,Value:+0.1;Growth:-0.3;Quality:-0.6;Size:-0.3;Momentum:+0.6;LowVol:-0.2,NoDerivatives,7,35,4.7,trailing 9%,214,20.5,Bear,29.9,3.26,1.2,143,-16,43,86,true,Reduce,"Cut high-beta by 2-3%, add cash",0,-7,BrokerC,LMT,92,VAR>budget,TightenStops,Risk above budget threshold,-21,-48,74,2,false,Tighten stops on momentum names
P6729,Opportunistic,IRA,USD,2025-06-24,1781744,117682,1664062,1.0,76.8,18.5,0.4,4.3,BND:33.3%;VTI:33.3%;TLT:33.3%,US:75.9;EU:7.1;APAC:8.6;EM:8.0;Other:0.5,Value:-0.7;Growth:+0.8;Quality:+0.5;Size:-0.6;Momentum:+0.6;LowVol:+0.5,,7,25,4.5,trailing 9%,174,31.2,Volatile,22.4,4.93,2.8,157,17,53,62,false,Rebalance,Shift +1% to bonds from equity,27,-28,BrokerB,MKT,97,None,None,Normal monitoring,-59,5,-33,3,false,Within IPS guidelines
P6730,Hands-off,401k,USD,2025-06-25,400956,34420,366536,1.0,68.8,21.3,3.1,6.8,MSFT:33.3%;QQQ:33.3%;BND:33.3%,US:65.9;EU:19.0;APAC:5.3;EM:5.0;Other:4.8,Value:+0.7;Growth:+0.3;Quality:-0.7;Size:+0.1;Momentum:-0.6;LowVol:-0.7,,7,35,4.3,trailing 10%,138,18.5,Bull,15.1,4.03,3.0,104,20,46,42,false,Rebalance,Shift +1% to bonds from equity,8,-27,BrokerD,LMT,96,None,None,Normal monitoring,56,-14,87,3,false,Within IPS guidelines
P6731,Systematic,IRA,USD,2025-09-13,608976,42762,566214,1.0,58.9,22.2,10.1,8.8,VNQ:21.5%;QQQ:21.5%;VTI:7.6%;VOO:17.2%;AAPL:10.6%;HYG:21.5%,US:74.8;EU:13.3;APAC:6.5;EM:4.2;Other:1.2,Value:-0.2;Growth:+1.0;Quality:-0.3;Size:+0.5;Momentum:-0.8;LowVol:+0.4,,6,25,4.9,hard 12%,211,23.5,Sideways,19.4,4.11,2.5,106,-19,47,56,true,Hedge,Buy index puts 1% notional,-10,-14,BrokerD,MKT,94,VAR>budget,Hedge,Risk above budget threshold,92,-28,98,3,true,Tax-aware sells next window
P6732,Cautious,IRA,USD,2024-11-21,436022,35969,400053,1.0,44.2,35.1,9.0,11.7,QQQ:24.8%;MUB:19.4%;AAPL:27.9%;GLD:27.9%,US:68.3;EU:9.9;APAC:7.2;EM:12.2;Other:2.3,Value:-1.0;Growth:-0.6;Quality:+0.6;Size:+0.1;Momentum:-0.3;LowVol:-0.2,NoMargin,10,35,3.9,trailing 8%,147,16.8,Sideways,15.1,3.76,2.4,118,8,65,28,false,Buy,Add to core equity +1%,12,-4,BrokerB,MKT,86,None,None,Normal monitoring,-41,-26,83,3,false,Increase defensive factor exposure
P6733,Opportunistic,401k,USD,2024-07-11,614272,23423,590849,1.06,65.3,17.2,9.2,8.3,TLT:33.3%;GLD:33.3%;QQQ:33.3%,US:70.8;EU:8.7;APAC:10.1;EM:7.0;Other:3.4,Value:+0.8;Growth:-0.0;Quality:-0.9;Size:+0.1;Momentum:-0.7;LowVol:-0.3,,5,25,4.9,trailing 9%,187,32.5,Bull,15.2,4.24,2.1,112,25,54,55,false,Buy,Add to core equity +1%,5,-30,BrokerD,MKT,93,None,None,Normal monitoring,87,15,54,4,false,Tighten stops on momentum names
P6734,Opportunistic,401k,USD,2025-10-15,1367709,42419,1325290,1.15,74.9,10.8,7.1,7.1,AMZN:33.3%;BRK.B:33.3%;TLT:33.3%,US:68.2;EU:12.4;APAC:11.4;EM:3.4;Other:4.5,Value:+0.5;Growth:-0.2;Quality:+0.2;Size:+0.5;Momentum:-0.8;LowVol:+0.9,MaxPos7%;NoDerivatives,8,30,5.9,trailing 7%,235,24.2,Bear,27.2,4.09,1.5,175,-71,5,78,true,Reduce,"Cut high-beta by 2-3%, add cash",-11,-24,BrokerD,MKT,88,VAR>budget,Pause,Risk above budget threshold,-23,-4,70,4,true,Tighten stops on momentum names
P6735,Active,Trust,USD,2024-11-10,2197648,215105,1982543,1.0,66.7,24.2,4.0,5.0,GLD:24.7%;QQQ:25.1%;BRK.B:25.1%;HYG:25.1%,US:71.5;EU:6.3;APAC:7.9;EM:8.6;Other:5.8,Value:-0.5;Growth:-0.5;Quality:-0.0;Size:-1.0;Momentum:-0.5;LowVol:-0.5,NoDerivatives,10,25,5.6,trailing 8%,175,26.0,Volatile,26.9,4.34,4.1,119,-44,30,81,true,Rebalance,Rebalance back to target bands,-13,-5,BrokerC,MKT,97,VAR>budget,Hedge,Risk above budget threshold,-21,12,50,2,false,Tighten stops on momentum names
P6736,Cautious,Taxable,USD,2025-12-02,248796,37552,211244,1.0,39.2,44.1,5.9,10.9,HYG:33.3%;BND:33.3%;TLT:33.3%,US:58.8;EU:20.0;APAC:8.9;EM:10.1;Other:2.3,Value:+0.5;Growth:-0.2;Quality:+0.1;Size:-0.1;Momentum:-0.2;LowVol:-0.6,ESGOnly;NoMargin,5,30,5.1,trailing 8%,170,16.4,Volatile,21.8,3.93,3.8,150,76,75,46,false,Buy,Add to core equity +1%,25,-33,BrokerB,LMT,89,None,None,Normal monitoring,1,12,-2,3,false,Tighten stops on momentum names
P6737,Opportunistic,Roth,USD,2025-10-03,937759,81652,856107,1.0,69.1,11.0,13.8,6.2,VNQ:31.1%;BRK.B:34.5%;TLT:34.5%,US:69.9;EU:6.5;APAC:11.0;EM:9.7;Other:2.8,Value:-0.6;Growth:+0.4;Quality:0.0;Size:-0.3;Momentum:+0.1;LowVol:-0.9,MaxPos7%,5,35,4.9,trailing 9%,169,23.8,Sideways,19.9,4.7,3.5,138,-27,47,60,false,Buy,Add to core equity +1%,-3,-15,BrokerA,LMT,97,None,None,Normal monitoring,69,-58,40,5,false,Tax-aware sells next window
P6738,Hands-off,Roth,USD,2025-04-20,620747,41901,578846,1.0,68.1,22.1,0.0,9.8,XLF:26.2%;TLT:26.2%;QQQ:26.2%;VNQ:21.4%,US:64.0;EU:13.0;APAC:12.1;EM:5.7;Other:5.2,Value:+0.5;Growth:+0.8;Quality:+0.8;Size:+0.3;Momentum:+0.7;LowVol:-0.4,ESGOnly,8,35,3.8,hard 10%,149,13.2,Volatile,26.4,3.95,2.9,130,28,55,81,true,Rebalance,Rebalance back to target bands,-15,-8,BrokerA,VWAP,91,Drift>tolerance,Hedge,Allocation drift beyond policy bands,20,19,-5,4,false,Within IPS guidelines
P6739,Cautious,401k,USD,2025-08-05,679408,73000,606408,1.0,36.0,31.7,20.9,11.4,BND:19.6%;BRK.B:9.5%;GLD:21.2%;TLT:21.2%;HYG:21.2%;MUB:7.3%,US:67.9;EU:16.2;APAC:7.2;EM:8.3;Other:0.5,Value:-0.1;Growth:-0.7;Quality:+0.5;Size:+0.5;Momentum:+1.0;LowVol:-0.9,NoDerivatives;NoMargin,7,25,5.3,trailing 8%,135,19.7,Bear,22.3,3.48,1.7,132,-59,23,46,false,NoAction,Within bands; monitor,8,9,BrokerC,MKT,0,None,None,Normal monitoring,-59,-10,74,3,false,Tax-aware sells next window
P6740,Hands-off,Taxable,USD,2024-10-19,771283,38695,732588,1.0,67.8,20.5,5.8,6.0,TSLA:25.0%;BND:25.0%;VTI:25.0%;MSFT:25.0%,US:64.9;EU:18.4;APAC:10.7;EM:3.7;Other:2.3,Value:-0.5;Growth:+0.3;Quality:0.0;Size:-0.5;Momentum:-1.0;LowVol:+0.6,,7,30,3.1,trailing 8%,139,17.6,Bull,17.4,4.02,3.3,73,61,82,50,false,Buy,Add to core equity +1%,-9,-2,BrokerC,LMT,88,None,None,Normal monitoring,-15,-8,20,3,false,Monitor dispersion and breadth
P6741,Cautious,Taxable,USD,2025-05-16,680128,98730,581398,1.0,43.9,41.6,0.0,14.5,MUB:20.7%;GLD:20.7%;TSLA:20.7%;TLT:17.6%;IEF:13.8%;VTI:6.3%,US:67.1;EU:12.9;APAC:10.9;EM:7.4;Other:1.7,Value:-0.9;Growth:+0.3;Quality:+0.4;Size:-0.5;Momentum:-0.4;LowVol:-0.5,NoMargin,8,25,4.3,hard 10%,158,18.3,Bear,28.1,4.06,2.1,208,19,61,71,true,Reduce,"Cut high-beta by 2-3%, add cash",33,6,BrokerB,MKT,87,Drift>tolerance,Reduce,Allocation drift beyond policy bands,15,15,29,2,false,Within IPS guidelines
P6742,Hands-off,IRA,USD,2024-11-27,218249,20144,198105,1.0,63.4,21.2,6.8,8.7,VNQ:17.9%;XLF:20.0%;AMZN:19.3%;MUB:21.4%;IEF:21.4%,US:68.1;EU:9.0;APAC:12.1;EM:9.7;Other:1.1,Value:+0.3;Growth:-0.4;Quality:-0.3;Size:-0.8;Momentum:-0.1;LowVol:-0.1,MaxPos5%,10,25,5.8,trailing 10%,112,15.4,Volatile,22.9,3.82,4.5,164,60,72,73,true,Hedge,Buy index puts 1% notional,-15,-32,BrokerA,LMT,93,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-15,-60,124,2,false,Tighten stops on momentum names
P6743,Active,Taxable,USD,2025-12-12,1622531,117895,1504636,1.0,56.2,27.4,9.9,6.6,QQQ:17.1%;BND:16.0%;VTI:25.8%;VNQ:25.8%;AMZN:15.3%,US:63.6;EU:11.7;APAC:8.8;EM:13.2;Other:2.7,Value:-0.1;Growth:+1.0;Quality:-0.1;Size:+0.1;Momentum:+0.6;LowVol:-0.7,,5,30,4.0,trailing 8%,126,26.0,Bull,16.9,3.91,2.9,94,99,100,53,false,Rebalance,Shift +1% to bonds from equity,0,-5,BrokerA,LMT,91,None,None,Normal monitoring,44,-56,82,3,false,Within IPS guidelines
P6744,Hands-off,Roth,USD,2025-05-05,456105,30745,425360,1.0,55.5,21.9,13.2,9.4,IEF:33.3%;HYG:33.3%;VOO:33.3%,US:62.4;EU:14.9;APAC:9.3;EM:8.8;Other:4.6,Value:-0.1;Growth:-0.9;Quality:+0.9;Size:+0.1;Momentum:-0.3;LowVol:+0.8,,7,30,3.0,hard 10%,118,17.9,Bull,11.3,4.71,3.4,82,9,69,30,false,Hedge,Add TLT +1% as duration hedge,9,-1,BrokerA,MKT,94,None,None,Normal monitoring,48,-47,34,3,false,Tax-aware sells next window
P6745,Active,IRA,USD,2024-08-30,2466068,295161,2170907,1.17,54.1,25.7,13.2,6.9,AMZN:22.0%;VTI:11.0%;XLF:22.3%;BRK.B:22.3%;IEF:22.3%,US:65.8;EU:18.6;APAC:10.0;EM:3.2;Other:2.4,Value:-0.7;Growth:+0.5;Quality:+0.8;Size:+0.7;Momentum:+0.9;LowVol:+0.5,MaxPos6%,6,25,5.5,trailing 8%,197,17.9,Bull,11.0,4.82,3.4,92,55,84,29,false,Sell,Trim extended winner -1%,26,-9,BrokerA,VWAP,96,None,None,Normal monitoring,-39,3,-26,3,false,Tighten stops on momentum names
P6746,Hands-off,Taxable,USD,2025-08-23,819817,68577,751240,1.0,68.4,25.2,0.0,6.4,TLT:26.7%;VNQ:26.7%;MSFT:19.9%;XLF:26.7%,US:67.2;EU:17.5;APAC:8.6;EM:5.2;Other:1.4,Value:-0.0;Growth:+0.7;Quality:-0.6;Size:-0.9;Momentum:+0.2;LowVol:+0.1,ESGOnly;NoDerivatives,6,35,5.2,trailing 10%,122,16.5,Volatile,27.0,3.77,3.1,166,38,71,83,true,Rebalance,Rebalance back to target bands,15,-4,BrokerC,LMT,98,VAR>budget,Hedge,Risk above budget threshold,-32,-44,44,3,false,Tax-aware sells next window
P6747,Hands-off,Taxable,USD,2025-03-09,863154,38180,824974,1.0,58.0,24.6,11.2,6.2,TLT:16.2%;VTI:20.6%;VNQ:21.4%;MSFT:21.4%;BRK.B:20.4%,US:70.2;EU:11.6;APAC:8.6;EM:7.2;Other:2.4,Value:-0.9;Growth:+0.7;Quality:+0.8;Size:-0.4;Momentum:-0.4;LowVol:-1.0,NoDerivatives,8,25,4.1,trailing 8%,122,15.0,Bull,14.9,4.05,2.6,92,12,55,34,false,Rebalance,Shift +1% to bonds from equity,-5,6,BrokerA,VWAP,95,None,None,Normal monitoring,-14,-39,-43,4,false,Increase defensive factor exposure
P6748,Systematic,Trust,USD,2025-11-16,1505329,75181,1430148,1.0,69.1,21.7,0.7,8.5,TSLA:23.0%;BRK.B:11.8%;VOO:19.3%;MSFT:23.0%;AMZN:23.0%,US:64.3;EU:14.5;APAC:12.9;EM:6.1;Other:2.1,Value:-0.8;Growth:+0.6;Quality:+0.9;Size:+0.8;Momentum:-0.2;LowVol:-0.5,MaxPos8%;NoDerivatives,6,30,4.8,hard 12%,188,18.3,Volatile,29.2,3.55,4.2,157,28,61,75,true,Hedge,Buy index puts 1% notional,-6,-4,BrokerC,VWAP,93,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,16,-60,31,2,true,Tighten stops on momentum names
P6749,Hands-off,Roth,USD,2025-09-27,489232,40218,449014,1.0,58.2,25.4,9.8,6.5,AMZN:33.3%;MUB:33.3%;IEF:33.3%,US:64.3;EU:17.9;APAC:12.9;EM:4.8;Other:0.1,Value:+1.0;Growth:-1.0;Quality:-0.2;Size:+0.4;Momentum:+0.8;LowVol:+0.6,ESGOnly;MaxPos8%,5,35,5.9,trailing 10%,111,17.9,Sideways,19.9,4.26,3.0,112,-24,34,61,false,Rebalance,Shift +1% to bonds from equity,14,-4,BrokerC,LMT,88,None,None,Normal monitoring,-42,-22,57,4,false,Increase defensive factor exposure
P6750,Opportunistic,IRA,USD,2024-07-29,1100304,38881,1061423,1.0,75.0,18.8,1.0,5.1,AMZN:20.5%;XLF:20.5%;TSLA:19.2%;AAPL:20.5%;VTI:19.3%,US:73.4;EU:12.6;APAC:6.9;EM:6.7;Other:0.5,Value:-0.3;Growth:+0.8;Quality:-0.8;Size:-0.3;Momentum:+0.9;LowVol:-0.1,MaxPos8%;NoDerivatives,8,25,6.1,hard 12%,258,31.0,Bull,13.8,4.95,3.2,115,112,100,58,false,Hedge,Add TLT +1% as duration hedge,15,13,BrokerC,LMT,89,None,None,Normal monitoring,58,-60,189,5,false,Monitor dispersion and breadth
P6751,Active,Trust,USD,2024-09-03,1272379,151421,1120958,1.0,64.6,24.2,3.1,8.0,MSFT:21.5%;MUB:30.1%;TSLA:18.3%;VNQ:30.1%,US:62.4;EU:15.6;APAC:11.6;EM:7.2;Other:3.2,Value:+0.2;Growth:-0.3;Quality:+0.5;Size:+0.1;Momentum:+0.5;LowVol:+0.5,NoDerivatives,8,25,5.0,hard 12%,133,18.9,Bull,16.1,5.0,3.4,107,72,94,41,false,Sell,Trim extended winner -1%,-12,-37,BrokerC,MKT,91,None,None,Normal monitoring,-44,-53,5,3,false,Monitor dispersion and breadth
P6752,Opportunistic,Taxable,USD,2025-09-07,489398,23097,466301,1.0,63.4,17.5,14.7,4.4,AAPL:24.3%;QQQ:24.3%;VTI:13.6%;BRK.B:13.4%;VNQ:24.3%,US:70.9;EU:17.1;APAC:7.8;EM:3.8;Other:0.5,Value:-0.7;Growth:+0.9;Quality:+0.4;Size:+0.1;Momentum:+0.5;LowVol:+0.7,NoDerivatives,6,30,4.3,trailing 7%,262,24.6,Volatile,26.8,3.96,2.6,166,24,49,78,true,Hedge,Buy index puts 1% notional,13,13,BrokerB,MKT,90,Drift>tolerance,Hedge,Allocation drift beyond policy bands,106,6,186,4,false,Monitor dispersion and breadth
P6753,Hands-off,Taxable,USD,2025-09-04,364954,35159,329795,1.0,67.1,27.5,0.0,5.4,MSFT:33.3%;AAPL:33.3%;BRK.B:33.3%,US:60.2;EU:10.5;APAC:13.6;EM:13.6;Other:2.0,Value:+0.3;Growth:+0.8;Quality:+0.4;Size:-0.5;Momentum:+0.3;LowVol:-0.7,MaxPos7%,8,25,4.8,trailing 8%,140,13.7,Bull,17.2,3.7,2.6,118,94,100,56,false,NoAction,Within bands; monitor,-6,-27,BrokerC,LMT,93,None,None,Normal monitoring,44,-9,25,5,false,Tax-aware sells next window
P6754,Systematic,Trust,USD,2025-08-08,525092,43232,481860,1.0,65.8,28.2,0.0,6.0,MSFT:33.3%;GLD:33.3%;XLF:33.3%,US:62.4;EU:13.8;APAC:6.8;EM:13.1;Other:3.9,Value:-0.3;Growth:-0.7;Quality:+0.5;Size:+0.1;Momentum:-0.1;LowVol:-0.8,NoDerivatives,8,25,4.0,trailing 8%,192,24.7,Volatile,31.4,4.65,2.0,141,-1,53,85,true,Hedge,Buy index puts 1% notional,29,-25,BrokerA,LMT,99,RegimeShift,Hedge,Volatility spike and breadth deterioration,92,-5,101,2,true,Monitor dispersion and breadth
P6755,Opportunistic,401k,USD,2025-06-20,556251,44473,511778,1.0,64.8,21.7,5.6,7.9,HYG:25.4%;BND:23.9%;QQQ:25.4%;XLF:25.4%,US:65.4;EU:14.1;APAC:10.8;EM:6.9;Other:2.8,Value:-0.9;Growth:-0.2;Quality:-0.3;Size:-0.4;Momentum:-0.2;LowVol:+0.2,NoDerivatives,7,25,5.9,trailing 7%,182,28.2,Bull,11.5,3.79,3.0,108,64,97,50,false,Sell,Trim extended winner -1%,18,10,BrokerA,LMT,93,None,None,Normal monitoring,-2,-10,76,5,false,Tighten stops on momentum names
P6756,Cautious,IRA,USD,2024-08-08,854655,77691,776964,1.0,35.6,33.9,16.0,14.5,TSLA:21.7%;MUB:19.3%;AMZN:14.3%;XLF:22.3%;QQQ:22.3%,US:64.7;EU:12.2;APAC:10.8;EM:10.0;Other:2.2,Value:+0.7;Growth:+0.9;Quality:+0.2;Size:-0.6;Momentum:+0.6;LowVol:-0.7,ESGOnly;NoMargin,6,35,3.4,trailing 8%,99,19.9,Sideways,18.5,4.84,2.8,93,19,58,36,false,Hedge,Add TLT +1% as duration hedge,33,-40,BrokerC,MKT,91,None,None,Normal monitoring,57,-54,84,4,false,Tax-aware sells next window
P6757,Active,Taxable,USD,2025-07-05,1731927,177695,1554232,1.15,67.8,25.6,0.0,6.6,VTI:28.1%;HYG:28.1%;GLD:15.8%;MSFT:28.1%,US:68.1;EU:13.0;APAC:9.0;EM:4.9;Other:5.0,Value:-0.4;Growth:-0.7;Quality:+0.9;Size:+0.7;Momentum:+0.2;LowVol:+0.3,MaxPos8%;NoDerivatives,7,35,4.4,trailing 9%,190,26.4,Sideways,17.9,4.66,2.6,137,34,59,58,false,Buy,Add to core equity +1%,34,-6,BrokerC,LMT,86,None,None,Normal monitoring,-54,1,14,5,false,Within IPS guidelines
P6758,Opportunistic,Trust,USD,2025-08-09,673894,43744,630150,1.14,60.0,21.0,12.8,6.2,AMZN:16.4%;HYG:15.6%;XLF:22.7%;VNQ:22.7%;MUB:22.7%,US:72.4;EU:9.7;APAC:8.9;EM:7.8;Other:1.2,Value:+0.1;Growth:-0.9;Quality:0.0;Size:-0.9;Momentum:+0.4;LowVol:-0.0,MaxPos6%;NoDerivatives,6,25,5.5,trailing 9%,177,32.3,Volatile,22.9,3.94,3.6,141,29,54,60,false,Rebalance,Shift +1% to bonds from equity,13,4,BrokerA,VWAP,100,None,None,Normal monitoring,19,2,-5,3,false,Within IPS guidelines
P6759,Opportunistic,Roth,USD,2025-02-04,1762940,106647,1656293,1.0,74.2,20.3,0.0,5.5,VOO:20.1%;HYG:23.0%;BRK.B:23.0%;GLD:23.0%;MUB:10.9%,US:57.9;EU:15.0;APAC:13.9;EM:8.3;Other:4.8,Value:+0.6;Growth:+0.5;Quality:+0.9;Size:+0.4;Momentum:+0.9;LowVol:+1.0,MaxPos8%,7,30,4.2,trailing 9%,176,27.6,Bull,14.0,4.6,3.4,107,43,69,42,false,Rebalance,Shift +1% to bonds from equity,32,15,BrokerC,VWAP,97,None,None,Normal monitoring,36,-28,54,4,false,Tax-aware sells next window
P6760,Active,IRA,USD,2025-12-07,718577,85135,633442,1.17,62.7,28.8,0.0,8.5,BND:30.7%;TLT:34.7%;XLF:34.7%,US:64.7;EU:13.2;APAC:7.9;EM:9.9;Other:4.3,Value:-0.7;Growth:+0.9;Quality:-0.1;Size:-0.9;Momentum:+0.2;LowVol:-0.9,,5,30,4.4,trailing 8%,189,18.3,Sideways,16.8,4.67,2.7,107,-18,46,50,false,Sell,Trim extended winner -1%,24,-1,BrokerB,MKT,93,None,None,Normal monitoring,-16,-14,73,4,false,Tighten stops on momentum names
P6761,Systematic,401k,USD,2025-10-22,807366,42187,765179,1.0,60.2,22.9,10.0,6.9,XLF:22.9%;QQQ:22.9%;VOO:21.0%;VNQ:22.9%;AMZN:10.3%,US:72.3;EU:6.4;APAC:14.4;EM:5.6;Other:1.3,Value:-0.9;Growth:-0.2;Quality:-0.1;Size:-0.1;Momentum:-0.1;LowVol:+0.6,MaxPos6%,5,25,4.3,hard 12%,194,19.4,Sideways,21.8,4.51,3.5,124,-27,27,68,false,Sell,Trim extended winner -1%,-1,1,BrokerB,MKT,95,None,None,Normal monitoring,105,-30,80,4,false,Within IPS guidelines
P6762,Hands-off,Roth,USD,2025-11-03,415225,29356,385869,1.0,60.4,23.6,6.6,9.4,TLT:20.9%;MSFT:30.0%;AMZN:30.0%;TSLA:19.1%,US:62.4;EU:12.9;APAC:13.7;EM:7.6;Other:3.3,Value:+0.9;Growth:-0.9;Quality:+0.3;Size:-0.5;Momentum:-0.5;LowVol:0.0,ESGOnly;NoDerivatives,8,35,3.0,hard 10%,106,17.8,Bull,12.4,4.4,2.7,103,48,70,36,false,Rebalance,Shift +1% to bonds from equity,1,-3,BrokerB,LMT,95,None,None,Normal monitoring,-2,6,-22,3,false,Monitor dispersion and breadth
P6763,Systematic,Trust,USD,2025-05-03,1484011,97935,1386076,1.0,62.1,30.3,0.0,7.6,BRK.B:17.5%;AAPL:13.5%;GLD:15.5%;QQQ:21.1%;IEF:11.4%;VOO:21.1%,US:69.4;EU:8.4;APAC:14.4;EM:6.8;Other:0.9,Value:+0.5;Growth:+0.2;Quality:+0.5;Size:+0.4;Momentum:+0.6;LowVol:-0.7,NoDerivatives,5,25,5.3,hard 12%,171,16.2,Bear,26.9,4.01,2.6,162,8,48,74,true,Rebalance,Rebalance back to target bands,14,-4,BrokerA,MKT,100,RegimeShift,Hedge,Volatility spike and breadth deterioration,58,-33,148,3,false,Monitor dispersion and breadth
P6764,Cautious,Trust,USD,2025-03-13,176602,22390,154212,1.0,45.8,40.0,0.0,14.1,VNQ:21.2%;VTI:13.6%;AMZN:10.4%;MSFT:19.0%;HYG:14.5%;BND:21.2%,US:65.5;EU:8.3;APAC:14.7;EM:10.8;Other:0.7,Value:-0.9;Growth:+0.6;Quality:-0.2;Size:-0.7;Momentum:+0.4;LowVol:0.0,ESGOnly;MaxPos5%;NoMargin,5,25,3.9,trailing 8%,141,19.6,Volatile,24.8,3.56,3.4,151,-41,44,54,false,Hedge,Add TLT +1% as duration hedge,8,-7,BrokerD,MKT,91,None,None,Normal monitoring,22,0,55,3,false,Within IPS guidelines
P6765,Active,IRA,USD,2025-09-16,843296,66375,776921,1.0,65.8,25.2,0.0,9.0,BRK.B:33.3%;MUB:33.3%;GLD:33.3%,US:62.5;EU:17.5;APAC:12.3;EM:5.4;Other:2.3,Value:-0.6;Growth:+0.9;Quality:+0.3;Size:-0.5;Momentum:-0.3;LowVol:-0.0,,8,30,5.7,hard 12%,165,22.0,Bull,14.0,3.61,2.1,87,50,76,49,false,NoAction,Within bands; monitor,14,-4,BrokerB,LMT,86,None,None,Normal monitoring,46,-8,57,4,false,Within IPS guidelines
P6766,Active,401k,USD,2025-04-07,2190158,175661,2014497,1.0,62.9,27.1,4.7,5.3,VOO:33.3%;GLD:33.3%;BND:33.3%,US:65.2;EU:18.4;APAC:11.9;EM:3.3;Other:1.2,Value:+0.4;Growth:-0.3;Quality:+0.9;Size:+0.9;Momentum:+0.9;LowVol:+0.6,MaxPos5%,6,30,5.1,trailing 9%,128,19.4,Volatile,21.5,4.42,3.4,158,-5,44,64,false,Buy,Add to core equity +1%,-2,-16,BrokerA,LMT,92,None,None,Normal monitoring,55,16,123,4,false,Monitor dispersion and breadth
P6767,Active,IRA,USD,2025-06-29,1566820,152859,1413961,1.0,66.8,24.6,0.7,7.9,TLT:15.0%;GLD:9.5%;VNQ:20.8%;HYG:20.0%;AAPL:20.6%;VOO:14.1%,US:61.0;EU:17.0;APAC:14.9;EM:3.3;Other:3.8,Value:+0.6;Growth:-0.9;Quality:+0.7;Size:-0.7;Momentum:-0.6;LowVol:-0.7,MaxPos7%,10,25,4.3,trailing 8%,165,20.1,Volatile,24.7,3.63,4.5,151,39,54,62,false,Rebalance,Shift +1% to bonds from equity,-5,-26,BrokerC,VWAP,87,None,None,Normal monitoring,31,-21,-2,4,false,Tighten stops on momentum names
P6768,Cautious,Trust,USD,2025-12-18,311862,32890,278972,1.0,35.2,32.2,19.1,13.5,XLF:33.3%;IEF:33.3%;MSFT:33.3%,US:70.3;EU:7.6;APAC:10.7;EM:10.0;Other:1.4,Value:+0.5;Growth:+0.2;Quality:+0.1;Size:-0.7;Momentum:-0.6;LowVol:+0.1,MaxPos7%;NoMargin,8,30,5.2,hard 10%,135,14.1,Sideways,14.9,4.99,2.1,137,8,40,30,false,Sell,Trim extended winner -1%,22,-17,BrokerA,LMT,86,None,None,Normal monitoring,-16,-56,-18,4,false,Within IPS guidelines
P6769,Active,401k,USD,2024-08-22,547877,61714,486163,1.08,61.5,29.5,0.0,9.0,HYG:12.0%;AAPL:12.7%;TSLA:25.1%;MUB:25.1%;VNQ:25.1%,US:71.5;EU:10.5;APAC:8.0;EM:8.2;Other:1.8,Value:+0.5;Growth:+1.0;Quality:-0.2;Size:+0.5;Momentum:-0.6;LowVol:-0.8,,5,30,5.7,hard 12%,206,23.2,Bull,14.9,3.86,2.1,113,113,100,41,false,Hedge,Add TLT +1% as duration hedge,21,-28,BrokerD,MKT,87,None,None,Normal monitoring,-54,-29,-91,4,false,Tax-aware sells next window
P6770,Cautious,IRA,USD,2024-12-11,378517,35518,342999,1.0,43.8,34.8,4.9,16.5,VTI:24.1%;BRK.B:14.3%;AMZN:13.5%;XLF:24.1%;QQQ:24.1%,US:74.9;EU:7.4;APAC:14.0;EM:3.7;Other:0.0,Value:+0.7;Growth:+0.4;Quality:+0.8;Size:+0.6;Momentum:-0.0;LowVol:+0.9,ESGOnly;NoMargin,10,30,4.2,trailing 8%,92,12.4,Bear,22.4,3.22,2.8,196,-97,7,46,false,Hedge,Add TLT +1% as duration hedge,35,-3,BrokerC,MKT,92,None,None,Normal monitoring,-30,-59,-22,3,false,Tighten stops on momentum names
P6771,Opportunistic,Trust,USD,2025-09-22,1064538,73611,990927,1.0,73.2,14.2,6.9,5.7,TLT:19.7%;GLD:18.2%;VNQ:31.0%;MSFT:31.0%,US:65.2;EU:12.7;APAC:11.4;EM:8.0;Other:2.7,Value:+0.8;Growth:+0.4;Quality:-0.7;Size:+0.4;Momentum:+1.0;LowVol:-0.6,,10,25,7.0,hard 12%,191,26.0,Volatile,31.5,5.47,2.8,132,41,61,83,true,Hedge,Buy index puts 1% notional,33,-28,BrokerA,MKT,86,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-23,17,51,5,false,Tighten stops on momentum names
P6772,Cautious,401k,USD,2024-07-16,524157,59769,464388,1.0,48.1,35.0,1.9,14.9,XLF:16.5%;BRK.B:13.1%;VNQ:19.0%;AMZN:19.6%;TLT:11.1%;GLD:20.6%,US:67.5;EU:14.1;APAC:5.5;EM:9.4;Other:3.4,Value:-0.9;Growth:-0.8;Quality:+0.3;Size:-1.0;Momentum:-0.5;LowVol:-0.6,ESGOnly;NoMargin,5,25,5.8,trailing 8%,115,19.5,Volatile,28.1,4.77,4.3,159,36,56,61,false,Hedge,Add TLT +1% as duration hedge,12,11,BrokerC,LMT,89,None,None,Normal monitoring,-39,-4,71,3,false,Tax-aware sells next window
P6773,Cautious,Taxable,USD,2025-11-09,709959,105508,604451,1.0,43.5,36.8,5.3,14.4,TSLA:26.3%;TLT:21.1%;BND:26.3%;MUB:26.3%,US:70.9;EU:8.6;APAC:7.0;EM:9.5;Other:4.1,Value:0.0;Growth:-0.4;Quality:+0.5;Size:+0.2;Momentum:+0.1;LowVol:+0.3,MaxPos5%;NoDerivatives;NoMargin,10,35,5.3,trailing 10%,92,12.9,Bull,12.6,3.6,3.4,72,106,100,41,false,Sell,Trim extended winner -1%,-11,2,BrokerD,MKT,85,None,None,Normal monitoring,-53,-48,71,3,false,Monitor dispersion and breadth
P6774,Cautious,Taxable,USD,2025-08-10,454571,50404,404167,1.0,41.8,33.6,14.6,10.1,MSFT:22.2%;AMZN:14.9%;VOO:22.2%;AAPL:8.5%;TSLA:18.1%;IEF:14.1%,US:68.6;EU:17.2;APAC:5.9;EM:3.9;Other:4.5,Value:-0.3;Growth:-0.8;Quality:0.0;Size:-0.4;Momentum:+0.7;LowVol:0.0,MaxPos7%;NoMargin,6,30,5.7,trailing 10%,157,18.0,Bull,14.8,4.82,2.1,71,84,81,39,false,NoAction,Within bands; monitor,-9,-38,BrokerA,MKT,0,None,None,Normal monitoring,-7,17,101,4,false,Monitor dispersion and breadth
P6775,Cautious,401k,USD,2025-08-28,166374,14204,152170,1.0,41.2,44.6,3.1,11.2,IEF:12.9%;BND:18.5%;TSLA:11.9%;VNQ:13.8%;MSFT:21.5%;GLD:21.5%,US:62.5;EU:19.0;APAC:11.3;EM:6.7;Other:0.5,Value:+0.8;Growth:-0.5;Quality:-0.3;Size:-0.9;Momentum:+0.6;LowVol:-0.9,MaxPos7%;NoDerivatives;NoMargin,10,30,4.7,hard 10%,142,12.2,Sideways,21.5,3.63,3.4,105,-28,31,41,false,Rebalance,Shift +1% to bonds from equity,-11,-36,BrokerB,MKT,87,None,None,Normal monitoring,82,-20,112,5,false,Tighten stops on momentum names
P6776,Cautious,Roth,USD,2025-08-09,478229,52959,425270,1.0,37.6,42.6,6.0,13.9,GLD:7.3%;BRK.B:13.1%;IEF:22.0%;AMZN:22.0%;TSLA:13.5%;BND:22.0%,US:62.5;EU:15.0;APAC:9.5;EM:9.4;Other:3.7,Value:+0.3;Growth:+0.4;Quality:-0.0;Size:+0.8;Momentum:-0.6;LowVol:+0.7,MaxPos6%;NoMargin,5,25,3.2,hard 10%,136,12.8,Volatile,28.9,3.71,3.1,129,25,63,62,false,Sell,Trim extended winner -1%,20,-39,BrokerA,LMT,87,None,None,Normal monitoring,-59,-59,81,5,false,Within IPS guidelines
P6777,Cautious,IRA,USD,2025-03-09,207360,18619,188741,1.0,40.6,35.9,11.6,11.9,BRK.B:21.7%;VTI:21.5%;AAPL:13.6%;TSLA:21.7%;AMZN:21.7%,US:60.8;EU:16.5;APAC:9.3;EM:11.2;Other:2.3,Value:-0.5;Growth:+0.6;Quality:+0.7;Size:+0.4;Momentum:-0.2;LowVol:-0.0,ESGOnly;NoMargin,8,30,3.3,hard 10%,100,19.5,Volatile,20.1,4.43,3.7,150,58,80,42,false,Buy,Add to core equity +1%,4,-15,BrokerA,MKT,85,None,None,Normal monitoring,95,-41,83,4,false,Increase defensive factor exposure
P6778,Opportunistic,401k,USD,2024-09-20,923531,31737,891794,1.18,63.3,16.8,13.4,6.5,QQQ:25.3%;AAPL:25.3%;BRK.B:15.3%;HYG:8.7%;GLD:25.3%,US:68.8;EU:13.3;APAC:10.8;EM:4.8;Other:2.3,Value:+0.9;Growth:+0.7;Quality:+0.1;Size:+0.5;Momentum:+0.5;LowVol:+0.2,,6,35,5.4,trailing 7%,256,28.7,Volatile,28.4,4.21,2.1,138,-47,22,69,false,Hedge,Add TLT +1% as duration hedge,-8,-38,BrokerC,MKT,98,None,None,Normal monitoring,-38,-6,-61,3,false,Monitor dispersion and breadth
P6779,Opportunistic,401k,USD,2025-08-30,571065,20569,550496,1.0,73.4,15.6,5.5,5.6,HYG:16.0%;AAPL:22.9%;BRK.B:22.9%;TSLA:22.9%;AMZN:15.3%,US:63.4;EU:14.4;APAC:7.6;EM:12.2;Other:2.3,Value:-0.0;Growth:+0.3;Quality:+0.6;Size:+0.5;Momentum:+0.3;LowVol:-0.8,MaxPos6%;NoDerivatives,6,35,6.6,hard 12%,165,30.5,Bull,11.1,3.59,2.9,98,111,100,42,false,Sell,Trim extended winner -1%,-3,13,BrokerC,MKT,90,None,None,Normal monitoring,5,-32,111,5,false,Within IPS guidelines
P6780,Active,Roth,USD,2025-07-22,2479437,256030,2223407,1.0,53.2,19.3,22.5,5.0,HYG:27.8%;TSLA:27.8%;XLF:27.8%;AMZN:16.6%,US:69.0;EU:11.6;APAC:7.0;EM:10.8;Other:1.7,Value:+0.8;Growth:+1.0;Quality:-0.9;Size:-0.4;Momentum:+0.1;LowVol:+0.5,MaxPos7%,7,35,4.5,trailing 8%,207,19.9,Bear,34.3,3.35,2.8,132,24,65,80,true,Hedge,Buy index puts 1% notional,29,-18,BrokerC,VWAP,85,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-35,-18,70,4,false,Tighten stops on momentum names
P6781,Hands-off,Taxable,USD,2024-12-28,368189,33349,334840,1.0,69.3,16.9,4.1,9.7,TLT:19.2%;XLF:18.8%;AMZN:11.5%;BRK.B:13.1%;VNQ:20.8%;VTI:16.6%,US:74.0;EU:7.9;APAC:6.9;EM:11.1;Other:0.1,Value:+0.4;Growth:+0.8;Quality:+0.8;Size:+0.7;Momentum:-0.3;LowVol:-0.5,MaxPos5%;NoDerivatives,7,30,4.5,trailing 10%,163,17.4,Sideways,17.2,3.8,2.4,109,21,71,48,false,Buy,Add to core equity +1%,18,-40,BrokerC,LMT,88,None,None,Normal monitoring,91,17,161,5,false,Increase defensive factor exposure
P6782,Cautious,IRA,USD,2024-11-26,374302,37641,336661,1.0,40.6,35.4,9.6,14.5,MUB:26.7%;AAPL:26.7%;XLF:20.0%;VTI:26.7%,US:71.0;EU:7.3;APAC:8.9;EM:6.0;Other:6.8,Value:-0.6;Growth:-0.0;Quality:-0.8;Size:+0.9;Momentum:+0.2;LowVol:+0.9,ESGOnly;MaxPos5%;NoDerivatives;NoMargin,8,25,3.2,trailing 8%,168,14.0,Sideways,16.5,4.22,2.3,111,24,49,39,false,Buy,Add to core equity +1%,-11,-21,BrokerB,MKT,92,None,None,Normal monitoring,110,-37,191,5,false,Tighten stops on momentum names
P6783,Systematic,Taxable,USD,2025-01-24,483369,33181,450188,1.0,62.1,24.0,4.7,9.1,AMZN:25.1%;BND:25.1%;QQQ:25.1%;VNQ:24.6%,US:73.8;EU:8.8;APAC:7.9;EM:5.8;Other:3.6,Value:+0.5;Growth:+0.2;Quality:+0.5;Size:-0.9;Momentum:+0.3;LowVol:+0.2,MaxPos6%,5,30,4.1,hard 12%,196,18.8,Bull,11.8,3.53,3.4,91,48,79,43,false,Rebalance,Shift +1% to bonds from equity,14,-33,BrokerA,LMT,93,None,None,Normal monitoring,23,-14,62,3,false,Increase defensive factor exposure
P6784,Systematic,Trust,USD,2025-05-26,1002012,80839,921173,1.0,67.6,20.8,5.5,6.2,IEF:27.2%;VOO:27.2%;TSLA:27.2%;BND:18.3%,US:64.6;EU:15.4;APAC:13.2;EM:3.6;Other:3.3,Value:+0.9;Growth:-0.2;Quality:+0.5;Size:+0.2;Momentum:+0.8;LowVol:-0.5,NoDerivatives,7,35,5.3,trailing 8%,152,24.0,Volatile,25.3,5.14,4.5,164,-35,23,76,true,Hedge,Buy index puts 1% notional,23,-16,BrokerB,LMT,100,VAR>budget,Pause,Risk above budget threshold,-21,-19,-24,2,false,Increase defensive factor exposure
P6785,Systematic,Trust,USD,2025-03-26,472613,40302,432311,1.0,60.4,21.4,9.9,8.2,AMZN:23.3%;QQQ:25.6%;HYG:25.6%;BRK.B:25.6%,US:71.5;EU:12.1;APAC:6.7;EM:6.6;Other:3.0,Value:+0.5;Growth:+0.1;Quality:-1.0;Size:+0.2;Momentum:+0.6;LowVol:+1.0,,5,30,5.5,trailing 9%,151,26.8,Bull,14.3,3.82,2.5,75,18,61,49,false,Sell,Trim extended winner -1%,28,-3,BrokerC,LMT,91,None,None,Normal monitoring,-19,-46,16,3,false,Tighten stops on momentum names
P6786,Cautious,Taxable,USD,2024-10-24,515690,81632,434058,1.0,50.7,35.6,3.6,10.1,XLF:22.4%;HYG:25.9%;TSLA:25.9%;VTI:25.9%,US:68.1;EU:8.8;APAC:12.7;EM:6.4;Other:4.0,Value:-0.9;Growth:-0.0;Quality:+0.7;Size:-0.5;Momentum:+0.2;LowVol:+1.0,ESGOnly;NoDerivatives;NoMargin,7,25,4.9,trailing 10%,100,19.4,Volatile,21.3,4.82,2.1,178,30,55,54,true,Rebalance,Rebalance back to target bands,-14,-33,BrokerD,MKT,90,Drift>tolerance,Reduce,Allocation drift beyond policy bands,87,-31,140,5,false,Monitor dispersion and breadth
P6787,Opportunistic,Trust,USD,2024-08-18,898875,29163,869712,1.0,74.1,16.4,1.6,8.0,MUB:20.1%;VOO:23.5%;VTI:23.5%;MSFT:11.0%;IEF:21.9%,US:68.8;EU:16.2;APAC:6.3;EM:6.1;Other:2.6,Value:+0.5;Growth:+0.6;Quality:-0.7;Size:-0.6;Momentum:-0.3;LowVol:-0.2,,8,25,5.6,trailing 7%,233,29.1,Bull,12.5,4.54,3.5,119,45,79,49,false,Buy,Add to core equity +1%,-8,-3,BrokerC,LMT,93,None,None,Normal monitoring,-50,-47,-16,4,false,Tighten stops on momentum names
P6788,Cautious,401k,USD,2025-02-13,858541,124705,733836,1.0,49.3,38.6,0.0,12.1,AAPL:24.3%;BRK.B:24.3%;BND:15.8%;TLT:11.5%;VTI:24.3%,US:62.2;EU:17.8;APAC:11.6;EM:7.5;Other:0.9,Value:+0.2;Growth:+0.8;Quality:+0.2;Size:-0.6;Momentum:-0.7;LowVol:-0.4,ESGOnly;MaxPos7%;NoDerivatives;NoMargin,6,25,5.3,trailing 10%,147,14.1,Bull,13.4,4.6,2.6,112,18,59,26,false,NoAction,Within bands; monitor,28,-5,BrokerA,MKT,0,None,None,Normal monitoring,16,11,39,3,false,Tax-aware sells next window
P6789,Active,401k,USD,2025-12-21,782287,59071,723216,1.0,56.5,27.6,6.3,9.7,BRK.B:33.3%;QQQ:33.3%;GLD:33.3%,US:71.5;EU:9.7;APAC:8.4;EM:9.0;Other:1.4,Value:+0.2;Growth:-0.9;Quality:+0.5;Size:+0.8;Momentum:-0.6;LowVol:-0.0,,10,30,4.5,trailing 9%,157,23.0,Bear,34.9,3.08,2.7,151,-78,12,84,true,Reduce,"Cut high-beta by 2-3%, add cash",14,-5,BrokerA,MKT,99,VAR>budget,Reduce,Risk above budget threshold,4,-45,121,2,false,Increase defensive factor exposure
P6790,Active,Roth,USD,2025-05-09,1208527,99547,1108980,1.0,51.0,18.6,24.5,5.9,IEF:18.9%;VOO:23.5%;TLT:10.5%;VNQ:23.5%;BND:23.5%,US:71.1;EU:7.9;APAC:9.8;EM:5.4;Other:5.8,Value:+0.1;Growth:-0.1;Quality:-0.0;Size:-0.2;Momentum:-0.6;LowVol:-0.5,,7,35,4.1,hard 12%,205,18.6,Bull,15.2,4.79,2.9,79,100,97,42,false,Rebalance,Shift +1% to bonds from equity,0,7,BrokerA,LMT,92,None,None,Normal monitoring,30,-33,163,3,false,Increase defensive factor exposure
P6791,Active,IRA,USD,2024-11-02,1835218,218904,1616314,1.22,64.5,30.2,0.0,5.3,BND:22.1%;VNQ:19.0%;TSLA:22.1%;BRK.B:22.1%;VOO:14.6%,US:64.3;EU:18.0;APAC:12.2;EM:4.5;Other:0.9,Value:-0.4;Growth:+0.9;Quality:+0.5;Size:-0.8;Momentum:-0.1;LowVol:+0.6,,10,30,4.7,trailing 8%,177,25.8,Bull,14.7,4.35,2.9,75,90,100,41,false,Rebalance,Shift +1% to bonds from equity,30,-19,BrokerC,LMT,95,None,None,Normal monitoring,36,-46,74,3,false,Monitor dispersion and breadth
P6792,Cautious,IRA,USD,2024-10-01,331744,40880,290864,1.0,46.6,42.4,0.0,11.0,MSFT:23.9%;MUB:28.2%;VNQ:28.2%;VTI:19.6%,US:62.8;EU:18.9;APAC:11.9;EM:4.3;Other:2.2,Value:+0.6;Growth:-0.5;Quality:-0.6;Size:-0.5;Momentum:+0.5;LowVol:+0.1,MaxPos6%;NoMargin,10,25,5.6,trailing 10%,144,18.2,Bear,32.5,4.23,2.5,189,-103,5,82,true,Rebalance,Rebalance back to target bands,-7,-33,BrokerA,LMT,91,Drift>tolerance,Hedge,Allocation drift beyond policy bands,48,15,145,3,false,Increase defensive factor exposure
P6793,Opportunistic,401k,USD,2024-10-30,1312198,93777,1218421,1.0,77.2,10.4,4.0,8.4,BND:22.0%;TLT:11.8%;TSLA:22.0%;AMZN:22.0%;IEF:15.8%;MSFT:6.3%,US:63.8;EU:11.0;APAC:15.4;EM:8.6;Other:1.3,Value:-0.7;Growth:-0.2;Quality:-0.7;Size:+0.6;Momentum:-0.1;LowVol:-0.8,MaxPos8%,10,30,6.4,trailing 7%,168,26.9,Volatile,25.5,5.27,4.0,154,-8,55,83,true,Hedge,Buy index puts 1% notional,27,-1,BrokerC,VWAP,95,Drift>tolerance,Hedge,Allocation drift beyond policy bands,28,16,130,2,false,Tax-aware sells next window
P6794,Cautious,IRA,USD,2024-12-01,454626,63027,391599,1.0,44.5,33.3,11.5,10.7,QQQ:20.6%;TSLA:12.1%;TLT:11.3%;HYG:16.4%;VTI:20.6%;MUB:19.0%,US:65.0;EU:7.7;APAC:11.7;EM:10.1;Other:5.5,Value:-0.7;Growth:+0.8;Quality:-0.3;Size:+0.4;Momentum:-0.6;LowVol:+0.7,NoMargin,6,35,3.9,hard 10%,129,18.2,Bull,15.7,4.36,2.7,94,90,100,29,true,Reduce,"Cut high-beta by 2-3%, add cash",22,-5,BrokerB,MKT,90,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-58,-46,-90,5,false,Tighten stops on momentum names
P6795,Active,Trust,USD,2024-08-01,2358837,182887,2175950,1.0,55.3,22.6,16.2,5.8,IEF:11.3%;QQQ:22.2%;TLT:12.4%;VTI:12.9%;BND:20.9%;AMZN:20.3%,US:61.3;EU:16.5;APAC:11.7;EM:10.4;Other:0.1,Value:-0.8;Growth:-0.7;Quality:-0.0;Size:+0.6;Momentum:-0.3;LowVol:+0.3,,10,30,4.9,trailing 8%,222,18.8,Bull,12.8,3.63,2.2,114,55,87,34,false,Rebalance,Shift +1% to bonds from equity,33,-6,BrokerA,MKT,99,None,None,Normal monitoring,6,10,47,4,false,Within IPS guidelines
P6796,Cautious,Trust,USD,2025-05-22,624880,91778,533102,1.0,53.3,34.7,0.0,11.9,BRK.B:27.8%;QQQ:16.7%;AMZN:27.8%;VTI:27.8%,US:65.9;EU:17.9;APAC:5.6;EM:9.5;Other:1.1,Value:-1.0;Growth:+0.9;Quality:-0.6;Size:+0.2;Momentum:-0.8;LowVol:0.0,NoMargin,8,25,5.8,trailing 8%,99,13.7,Bull,13.9,3.78,3.2,79,68,94,46,false,Sell,Trim extended winner -1%,21,6,BrokerC,LMT,98,None,None,Normal monitoring,22,-13,103,3,false,Within IPS guidelines
P6797,Systematic,Taxable,USD,2024-11-13,1063675,68742,994933,1.0,55.0,33.0,2.3,9.8,TSLA:13.0%;XLF:20.5%;MSFT:18.3%;BRK.B:19.0%;IEF:20.5%;HYG:8.8%,US:67.4;EU:13.7;APAC:9.9;EM:5.1;Other:3.9,Value:+0.2;Growth:-0.3;Quality:+0.1;Size:+0.7;Momentum:-0.2;LowVol:+0.3,NoDerivatives,8,35,5.4,trailing 9%,171,25.6,Sideways,14.1,3.53,3.4,127,44,80,43,false,Rebalance,Shift +1% to bonds from equity,31,-27,BrokerC,MKT,86,None,None,Normal monitoring,67,-54,61,4,false,Tax-aware sells next window
P6798,Cautious,IRA,USD,2025-05-29,313770,27227,286543,1.0,42.4,41.7,0.0,16.0,VOO:25.5%;XLF:18.9%;AAPL:14.0%;IEF:16.1%;VTI:25.5%,US:72.1;EU:8.2;APAC:9.3;EM:6.2;Other:4.2,Value:-0.6;Growth:-0.5;Quality:-0.7;Size:+1.0;Momentum:+0.9;LowVol:-0.5,ESGOnly;NoMargin,8,25,4.2,hard 10%,145,18.4,Bull,17.3,3.66,3.1,79,101,100,46,false,Buy,Add to core equity +1%,20,-37,BrokerD,LMT,95,None,None,Normal monitoring,63,-18,141,4,false,Within IPS guidelines
P6799,Cautious,Roth,USD,2024-12-28,798350,124387,673963,1.0,50.5,38.4,1.0,10.2,HYG:19.4%;BND:14.5%;AAPL:18.4%;QQQ:18.8%;IEF:16.7%;BRK.B:12.3%,US:66.4;EU:12.7;APAC:11.1;EM:6.6;Other:3.2,Value:+0.4;Growth:+1.0;Quality:-0.9;Size:-0.3;Momentum:+0.4;LowVol:-0.7,ESGOnly;MaxPos5%;NoMargin,6,30,3.5,trailing 10%,122,15.4,Sideways,14.1,3.52,2.3,113,-10,52,37,false,Sell,Trim extended winner -1%,-14,-20,BrokerB,MKT,98,None,None,Normal monitoring,73,-12,61,3,false,Within IPS guidelines
P6800,Hands-off,Taxable,USD,2025-07-13,614663,37314,577349,1.0,67.7,27.3,0.0,5.0,QQQ:33.3%;BND:33.3%;BRK.B:33.3%,US:66.1;EU:16.2;APAC:11.2;EM:4.3;Other:2.2,Value:-0.8;Growth:-0.4;Quality:+0.8;Size:-0.6;Momentum:-0.0;LowVol:+0.1,,7,25,4.6,trailing 10%,121,17.9,Bear,33.3,3.36,2.0,147,-30,37,94,true,Rebalance,Rebalance back to target bands,10,-22,BrokerA,MKT,89,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-54,-23,2,3,false,Within IPS guidelines
P6801,Opportunistic,IRA,USD,2025-01-05,1094732,97480,997252,1.0,65.7,21.4,7.8,5.1,TSLA:11.7%;BND:22.4%;XLF:7.9%;VTI:22.4%;VNQ:13.1%;GLD:22.4%,US:74.3;EU:10.2;APAC:5.7;EM:8.2;Other:1.7,Value:+0.1;Growth:-0.1;Quality:-0.4;Size:-0.5;Momentum:-0.0;LowVol:+0.2,,8,30,5.1,hard 12%,227,31.1,Bull,15.5,4.35,3.4,98,1,45,51,false,Buy,Add to core equity +1%,16,-39,BrokerB,MKT,93,None,None,Normal monitoring,62,-19,138,4,false,Tax-aware sells next window
P6802,Active,Roth,USD,2025-04-06,2268221,258253,2009968,1.0,66.7,25.0,3.1,5.2,VNQ:33.8%;HYG:33.8%;AAPL:32.5%,US:69.1;EU:8.2;APAC:9.9;EM:11.6;Other:1.1,Value:-0.7;Growth:+0.6;Quality:+0.8;Size:0.0;Momentum:-0.2;LowVol:-0.2,,7,30,4.7,trailing 8%,166,27.9,Bull,11.5,4.89,2.8,74,60,66,48,false,Sell,Trim extended winner -1%,0,14,BrokerD,MKT,91,None,None,Normal monitoring,70,-9,111,3,false,Monitor dispersion and breadth
P6803,Cautious,Trust,USD,2025-07-28,766593,106015,660578,1.0,40.7,33.7,14.0,11.6,BRK.B:34.6%;BND:30.9%;IEF:34.6%,US:61.3;EU:18.3;APAC:5.4;EM:11.5;Other:3.5,Value:+0.8;Growth:+0.6;Quality:0.0;Size:+0.3;Momentum:-0.2;LowVol:-1.0,NoMargin,7,35,3.1,trailing 10%,119,13.0,Volatile,24.0,4.51,4.4,148,-59,26,54,false,Hedge,Add TLT +1% as duration hedge,1,-16,BrokerB,MKT,89,None,None,Normal monitoring,37,-31,89,3,false,Increase defensive factor exposure
P6804,Cautious,401k,USD,2025-05-23,495912,57214,438698,1.0,43.4,31.3,9.1,16.2,VNQ:19.2%;VOO:19.0%;AMZN:19.8%;MSFT:22.2%;VTI:19.8%,US:66.8;EU:11.5;APAC:12.9;EM:6.0;Other:2.8,Value:-0.6;Growth:+0.1;Quality:-0.5;Size:+0.5;Momentum:-0.6;LowVol:+0.4,ESGOnly;NoMargin,5,25,4.3,trailing 10%,133,13.9,Volatile,28.5,4.72,2.8,170,-29,28,62,true,Hedge,Buy index puts 1% notional,18,-3,BrokerD,LMT,97,VAR>budget,Reduce,Risk above budget threshold,41,0,64,2,false,Increase defensive factor exposure
P6805,Hands-off,IRA,USD,2025-08-16,832713,81503,751210,1.0,65.8,27.2,0.0,7.0,BND:27.7%;IEF:17.0%;QQQ:27.7%;XLF:27.7%,US:61.5;EU:18.9;APAC:11.9;EM:5.2;Other:2.5,Value:+0.8;Growth:-0.8;Quality:+0.5;Size:+0.2;Momentum:-1.0;LowVol:+0.5,,5,25,5.1,trailing 8%,123,19.3,Bull,13.1,4.47,2.5,106,96,100,42,false,NoAction,Within bands; monitor,18,-13,BrokerC,MKT,0,None,None,Normal monitoring,-43,-51,-48,5,false,Tax-aware sells next window
P6806,Cautious,IRA,USD,2024-12-26,743311,114432,628879,1.0,47.8,34.5,7.4,10.2,QQQ:23.3%;TLT:20.6%;IEF:12.6%;VTI:23.3%;XLF:20.2%,US:70.5;EU:8.2;APAC:8.8;EM:11.3;Other:1.2,Value:+0.3;Growth:+0.7;Quality:+1.0;Size:+0.2;Momentum:+0.9;LowVol:-0.8,MaxPos8%;NoMargin,6,25,3.4,trailing 8%,162,13.6,Bull,13.0,4.0,3.0,88,35,52,27,false,Rebalance,Shift +1% to bonds from equity,-6,14,BrokerC,LMT,98,None,None,Normal monitoring,22,0,144,4,false,Increase defensive factor exposure
P6807,Active,IRA,USD,2024-11-05,1850393,166395,1683998,1.0,62.9,19.3,10.1,7.7,AMZN:33.3%;VNQ:33.3%;XLF:33.3%,US:54.7;EU:20.5;APAC:12.1;EM:9.6;Other:3.2,Value:+0.6;Growth:-0.7;Quality:0.0;Size:-0.1;Momentum:+0.8;LowVol:0.0,MaxPos6%,7,35,4.2,hard 12%,210,16.4,Bull,14.9,4.69,2.5,116,82,89,39,false,Buy,Add to core equity +1%,18,-38,BrokerB,MKT,91,None,None,Normal monitoring,-32,14,-27,4,false,Within IPS guidelines
P6808,Hands-off,Taxable,USD,2025-10-23,359258,16435,342823,1.0,61.2,29.1,4.1,5.6,TLT:33.3%;HYG:33.3%;VOO:33.3%,US:72.6;EU:6.8;APAC:8.8;EM:11.6;Other:0.1,Value:-0.0;Growth:-0.8;Quality:-0.9;Size:-0.3;Momentum:+0.5;LowVol:+0.6,MaxPos7%,8,25,4.2,trailing 8%,166,18.5,Bull,11.7,4.44,3.1,83,62,77,46,false,Rebalance,Shift +1% to bonds from equity,9,-34,BrokerD,LMT,100,None,None,Normal monitoring,83,12,54,3,false,Monitor dispersion and breadth
P6809,Systematic,Taxable,USD,2025-07-04,1369090,96233,1272857,1.0,67.8,25.8,0.0,6.4,VOO:36.3%;MUB:36.3%;QQQ:27.4%,US:65.3;EU:16.2;APAC:6.0;EM:8.7;Other:3.7,Value:+0.9;Growth:+0.5;Quality:+0.9;Size:-0.3;Momentum:+0.9;LowVol:+0.1,,8,35,4.4,hard 12%,121,26.4,Volatile,23.7,4.06,2.6,160,74,98,63,false,Rebalance,Shift +1% to bonds from equity,-9,11,BrokerB,MKT,93,None,None,Normal monitoring,105,-47,172,4,false,Tighten stops on momentum names
P6810,Active,IRA,USD,2025-10-16,2051435,184803,1866632,1.0,63.9,26.1,1.9,8.1,MUB:24.7%;QQQ:25.1%;VOO:25.1%;TSLA:25.1%,US:63.8;EU:14.6;APAC:10.4;EM:8.0;Other:3.2,Value:-0.9;Growth:+0.6;Quality:+0.1;Size:+0.8;Momentum:+0.5;LowVol:+0.6,MaxPos8%;NoDerivatives,5,35,5.1,trailing 9%,148,19.9,Volatile,29.7,4.81,2.9,146,78,86,82,true,Rebalance,Rebalance back to target bands,18,-2,BrokerC,LMT,94,Drift>tolerance,Pause,Allocation drift beyond policy bands,18,-25,-4,5,true,Within IPS guidelines
P6811,Active,401k,USD,2025-04-29,904817,96179,808638,1.0,50.6,19.7,23.0,6.7,VNQ:26.1%;GLD:26.1%;HYG:21.7%;VOO:26.1%,US:63.2;EU:17.8;APAC:10.2;EM:8.0;Other:0.8,Value:-1.0;Growth:+0.4;Quality:+0.1;Size:0.0;Momentum:+0.7;LowVol:-0.3,,5,35,4.8,trailing 9%,160,23.8,Volatile,20.7,3.85,4.2,143,10,50,46,false,Buy,Add to core equity +1%,6,-23,BrokerC,MKT,87,None,None,Normal monitoring,61,8,187,3,false,Tighten stops on momentum names
P6812,Active,Roth,USD,2024-11-22,1335998,116288,1219710,1.0,54.7,24.9,10.8,9.6,MUB:21.3%;MSFT:15.4%;AMZN:10.2%;VTI:16.4%;TLT:21.3%;IEF:15.5%,US:64.6;EU:16.2;APAC:8.3;EM:9.9;Other:1.0,Value:-0.4;Growth:-0.0;Quality:-0.5;Size:0.0;Momentum:-0.4;LowVol:+0.3,,7,30,4.5,hard 12%,183,24.0,Volatile,28.4,4.07,2.8,147,-40,30,71,true,Reduce,"Cut high-beta by 2-3%, add cash",-13,-5,BrokerB,LMT,91,VAR>budget,TightenStops,Risk above budget threshold,28,20,63,4,false,Tax-aware sells next window
P6813,Hands-off,Roth,USD,2024-10-19,424407,36932,387475,1.0,68.8,21.1,3.4,6.7,AMZN:33.3%;MSFT:33.3%;QQQ:33.3%,US:66.3;EU:13.8;APAC:11.6;EM:4.8;Other:3.5,Value:-0.3;Growth:+0.5;Quality:-0.0;Size:-0.1;Momentum:-0.6;LowVol:-0.5,MaxPos8%;NoDerivatives,7,25,4.7,trailing 10%,130,19.8,Volatile,25.3,3.7,4.0,139,-53,10,73,true,Hedge,Buy index puts 1% notional,28,-40,BrokerD,LMT,85,VAR>budget,Reduce,Risk above budget threshold,-17,-59,82,4,false,Increase defensive factor exposure
P6814,Active,Roth,USD,2024-08-23,1239881,129742,1110139,1.14,52.5,27.1,13.2,7.2,MUB:22.1%;VNQ:22.1%;VTI:22.1%;QQQ:11.5%;AAPL:13.2%;IEF:9.1%,US:57.0;EU:17.8;APAC:13.2;EM:8.0;Other:4.2,Value:-0.3;Growth:+0.5;Quality:-0.7;Size:+0.6;Momentum:0.0;LowVol:+0.5,NoDerivatives,5,35,5.3,trailing 8%,170,27.0,Volatile,29.6,4.66,3.7,113,41,60,64,false,Buy,Add to core equity +1%,30,-37,BrokerB,LMT,88,None,None,Normal monitoring,69,-4,193,3,false,Monitor dispersion and breadth
P6815,Systematic,Roth,USD,2025-03-25,949774,48412,901362,1.0,62.4,30.3,0.7,6.7,XLF:27.7%;VOO:13.8%;HYG:15.4%;BND:27.7%;GLD:15.4%,US:62.5;EU:16.0;APAC:11.1;EM:9.7;Other:0.6,Value:-0.5;Growth:+0.1;Quality:-0.6;Size:-0.7;Momentum:-0.9;LowVol:-0.6,,5,30,5.0,trailing 8%,131,21.4,Bull,15.5,3.82,3.1,106,18,48,53,false,Sell,Trim extended winner -1%,-13,-8,BrokerB,MKT,97,None,None,Normal monitoring,-29,-54,95,3,false,Monitor dispersion and breadth
P6816,Hands-off,401k,USD,2025-01-04,731138,45852,685286,1.0,72.9,18.2,0.0,8.9,VOO:24.3%;HYG:24.3%;VNQ:15.2%;GLD:17.8%;MSFT:18.5%,US:69.3;EU:16.4;APAC:10.2;EM:3.7;Other:0.4,Value:+1.0;Growth:+0.8;Quality:-0.2;Size:-0.7;Momentum:-0.7;LowVol:+0.4,ESGOnly,10,25,5.6,hard 10%,164,16.1,Volatile,24.4,5.25,4.2,121,76,80,77,true,Hedge,Buy index puts 1% notional,-8,-9,BrokerD,MKT,98,Drift>tolerance,Reduce,Allocation drift beyond policy bands,3,-55,71,3,false,Tax-aware sells next window
P6817,Systematic,Trust,USD,2025-12-09,1854858,117989,1736869,1.0,67.6,23.3,0.4,8.8,HYG:26.7%;TSLA:19.8%;MSFT:26.7%;MUB:26.7%,US:65.7;EU:7.4;APAC:13.5;EM:9.2;Other:4.2,Value:-0.8;Growth:-0.6;Quality:-0.8;Size:-0.4;Momentum:-0.6;LowVol:0.0,NoDerivatives,6,35,4.4,trailing 8%,187,23.4,Volatile,22.9,3.67,2.2,135,24,59,76,true,Reduce,"Cut high-beta by 2-3%, add cash",9,-26,BrokerB,MKT,87,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,68,-15,28,3,false,Tax-aware sells next window
P6818,Cautious,Taxable,USD,2025-02-14,589255,78182,511073,1.0,45.7,40.0,0.0,14.3,VOO:23.3%;MUB:23.3%;QQQ:21.2%;HYG:12.3%;VTI:19.9%,US:72.2;EU:9.0;APAC:5.9;EM:9.7;Other:3.2,Value:-0.4;Growth:-0.9;Quality:+0.6;Size:-0.8;Momentum:+0.9;LowVol:+0.2,NoMargin,7,30,4.7,trailing 8%,164,16.7,Bull,13.4,4.07,2.5,114,116,100,40,false,Rebalance,Shift +1% to bonds from equity,9,-27,BrokerB,MKT,91,None,None,Normal monitoring,107,17,165,4,false,Within IPS guidelines
P6819,Hands-off,401k,USD,2024-10-27,442356,34643,407713,1.0,61.2,16.3,13.8,8.7,HYG:20.9%;TSLA:18.8%;GLD:18.9%;IEF:19.7%;QQQ:21.7%,US:65.4;EU:11.9;APAC:9.4;EM:10.3;Other:3.0,Value:+0.8;Growth:-0.8;Quality:-0.4;Size:-0.2;Momentum:-0.6;LowVol:0.0,ESGOnly,5,30,5.0,trailing 8%,134,17.5,Volatile,26.3,4.78,3.3,159,-48,25,60,false,Sell,Trim extended winner -1%,-15,-32,BrokerC,MKT,94,None,None,Normal monitoring,94,14,166,5,false,Monitor dispersion and breadth
P6820,Hands-off,Roth,USD,2025-03-15,776573,33339,743234,1.0,56.8,18.8,17.0,7.3,XLF:33.3%;BRK.B:33.3%;TLT:33.3%,US:61.7;EU:16.4;APAC:12.1;EM:7.7;Other:2.1,Value:+0.6;Growth:-0.8;Quality:-0.1;Size:+0.4;Momentum:-0.9;LowVol:+0.3,ESGOnly,10,25,5.3,trailing 10%,95,13.4,Bull,15.5,4.57,3.5,81,56,66,35,false,Buy,Add to core equity +1%,18,-15,BrokerC,MKT,89,None,None,Normal monitoring,105,-52,232,5,false,Tighten stops on momentum names
P6821,Opportunistic,Trust,USD,2025-11-30,1061644,54281,1007363,1.0,60.2,15.6,19.5,4.7,GLD:23.1%;VNQ:28.4%;BND:20.0%;BRK.B:28.4%,US:67.9;EU:7.3;APAC:13.1;EM:10.9;Other:0.8,Value:-0.7;Growth:-0.9;Quality:+0.5;Size:+0.3;Momentum:-0.1;LowVol:-0.5,,7,30,6.7,trailing 7%,267,26.0,Sideways,15.0,4.53,2.8,109,-20,34,39,false,NoAction,Within bands; monitor,29,11,BrokerC,MKT,0,None,None,Normal monitoring,-43,-11,2,5,false,Tax-aware sells next window
P6822,Active,IRA,USD,2025-09-04,1989013,177867,1811146,1.0,63.9,29.2,0.0,6.9,MSFT:16.4%;VOO:9.2%;AMZN:20.1%;BRK.B:22.2%;QQQ:22.2%;VTI:9.9%,US:65.9;EU:16.8;APAC:6.4;EM:10.0;Other:0.9,Value:+0.6;Growth:+1.0;Quality:-0.2;Size:+0.6;Momentum:-0.1;LowVol:-0.8,MaxPos8%;NoDerivatives,8,30,4.4,hard 12%,182,24.4,Bear,33.8,3.58,2.1,187,-29,37,84,true,Hedge,Buy index puts 1% notional,4,12,BrokerA,LMT,98,VAR>budget,Reduce,Risk above budget threshold,96,-28,179,3,true,Tighten stops on momentum names
P6823,Hands-off,401k,USD,2025-03-01,296910,27995,268915,1.0,67.8,23.9,0.0,8.2,VTI:28.0%;AMZN:24.6%;TSLA:28.0%;MSFT:19.5%,US:70.8;EU:15.9;APAC:6.5;EM:3.7;Other:3.1,Value:-0.1;Growth:+0.6;Quality:-0.3;Size:-0.0;Momentum:+0.6;LowVol:+0.3,ESGOnly,5,30,4.7,trailing 8%,131,18.6,Volatile,24.3,4.53,3.8,153,77,82,70,false,Rebalance,Shift +1% to bonds from equity,-5,-6,BrokerA,MKT,92,None,None,Normal monitoring,-6,-59,84,3,false,Tighten stops on momentum names
P6824,Cautious,Taxable,USD,2024-07-27,702986,84964,618022,1.0,35.4,30.4,17.6,16.6,XLF:23.0%;VOO:17.9%;QQQ:14.5%;GLD:23.0%;TSLA:21.5%,US:75.1;EU:12.1;APAC:7.1;EM:5.3;Other:0.3,Value:+0.3;Growth:-0.2;Quality:+0.2;Size:-0.3;Momentum:+0.1;LowVol:+0.2,ESGOnly;NoMargin,5,25,4.5,trailing 8%,144,19.7,Sideways,14.0,3.69,2.8,132,10,50,28,true,Hedge,Buy index puts 1% notional,-7,0,BrokerD,MKT,85,VAR>budget,Pause,Risk above budget threshold,85,-55,105,2,false,Within IPS guidelines
P6825,Cautious,401k,USD,2024-10-31,433485,58941,374544,1.0,37.6,37.9,7.3,17.3,AMZN:14.4%;GLD:8.7%;MSFT:13.1%;VOO:22.5%;VNQ:22.5%;AAPL:18.7%,US:64.4;EU:12.4;APAC:11.6;EM:11.0;Other:0.6,Value:+0.7;Growth:+0.4;Quality:-0.7;Size:+0.8;Momentum:+0.7;LowVol:-1.0,NoMargin,5,25,4.9,trailing 10%,96,12.6,Bull,13.9,4.88,3.4,97,0,43,28,false,Hedge,Add TLT +1% as duration hedge,-14,-33,BrokerB,LMT,94,None,None,Normal monitoring,61,-8,89,3,false,Increase defensive factor exposure
P6826,Hands-off,401k,USD,2025-08-27,790244,55643,734601,1.0,66.3,17.3,10.6,5.8,MUB:5.5%;VTI:20.9%;VNQ:20.9%;BRK.B:20.9%;GLD:14.9%;AMZN:16.8%,US:64.1;EU:17.5;APAC:9.6;EM:7.1;Other:1.8,Value:-0.6;Growth:-0.9;Quality:+0.2;Size:-0.2;Momentum:-0.3;LowVol:0.0,ESGOnly;MaxPos7%,8,25,4.3,trailing 10%,119,14.1,Bull,17.9,4.93,2.6,108,42,67,52,false,Buy,Add to core equity +1%,25,-14,BrokerB,MKT,92,None,None,Normal monitoring,-59,-41,75,3,false,Within IPS guidelines
P6827,Hands-off,Taxable,USD,2025-07-29,841484,50425,791059,1.0,61.4,16.2,15.6,6.8,TSLA:23.8%;VOO:14.9%;AAPL:21.1%;QQQ:16.3%;AMZN:23.8%,US:72.7;EU:6.5;APAC:7.1;EM:10.8;Other:2.9,Value:-0.1;Growth:+0.8;Quality:+0.5;Size:-0.7;Momentum:+0.7;LowVol:-0.5,ESGOnly;MaxPos7%;NoDerivatives,5,30,4.8,trailing 8%,143,15.4,Bull,17.2,4.0,2.1,92,47,71,57,false,Rebalance,Shift +1% to bonds from equity,-6,8,BrokerA,MKT,98,None,None,Normal monitoring,82,-7,169,5,false,Within IPS guidelines
P6828,Hands-off,401k,USD,2025-02-24,737718,56727,680991,1.0,72.2,17.3,4.2,6.3,AMZN:28.2%;VNQ:15.4%;HYG:28.2%;AAPL:28.2%,US:65.1;EU:15.9;APAC:8.9;EM:4.7;Other:5.4,Value:+0.5;Growth:-0.3;Quality:-0.5;Size:-0.1;Momentum:-0.1;LowVol:0.0,,7,30,3.8,hard 10%,152,17.8,Sideways,17.1,4.13,2.4,119,47,62,55,false,Sell,Trim extended winner -1%,16,5,BrokerC,MKT,89,None,None,Normal monitoring,-37,-47,8,5,false,Increase defensive factor exposure
P6829,Systematic,IRA,USD,2025-11-07,673167,31396,641771,1.0,62.5,30.9,0.5,6.0,XLF:25.2%;VNQ:24.3%;VTI:25.2%;MUB:25.2%,US:67.0;EU:12.6;APAC:10.4;EM:7.0;Other:2.9,Value:-0.4;Growth:-0.2;Quality:-0.9;Size:-0.7;Momentum:-0.2;LowVol:+0.2,NoDerivatives,8,35,5.5,trailing 9%,219,17.6,Volatile,25.5,3.67,2.3,162,20,46,62,false,Sell,Trim extended winner -1%,24,-37,BrokerC,VWAP,87,None,None,Normal monitoring,101,-29,180,5,false,Within IPS guidelines
P6830,Opportunistic,401k,USD,2025-10-18,344134,15630,328504,1.07,67.8,18.2,8.8,5.2,HYG:33.3%;QQQ:33.3%;VNQ:33.3%,US:60.3;EU:13.3;APAC:14.5;EM:7.5;Other:4.5,Value:-0.9;Growth:-0.8;Quality:-0.3;Size:+0.4;Momentum:-0.8;LowVol:-0.3,MaxPos6%,5,30,4.4,hard 12%,214,28.6,Bull,17.6,4.6,3.0,75,82,84,55,false,NoAction,Within bands; monitor,10,-29,BrokerC,LMT,96,None,None,Normal monitoring,35,-36,147,5,false,Tax-aware sells next window
P6831,Cautious,Roth,USD,2025-12-06,386177,59201,326976,1.0,41.9,41.0,0.0,17.1,BRK.B:13.4%;QQQ:11.8%;IEF:27.0%;MSFT:27.0%;VOO:20.8%,US:62.8;EU:16.5;APAC:9.1;EM:10.3;Other:1.3,Value:+0.9;Growth:+0.9;Quality:+0.3;Size:-1.0;Momentum:+0.4;LowVol:+0.5,NoMargin,6,30,3.8,trailing 10%,127,14.1,Bull,11.5,4.46,2.7,76,38,59,19,false,Hedge,Add TLT +1% as duration hedge,-1,-20,BrokerC,LMT,94,None,None,Normal monitoring,75,-21,39,4,false,Tighten stops on momentum names
P6832,Cautious,Trust,USD,2025-05-09,312950,45460,267490,1.0,46.6,31.7,8.6,13.1,BND:27.7%;GLD:17.0%;TSLA:27.7%;MUB:27.7%,US:67.7;EU:17.8;APAC:7.1;EM:3.3;Other:4.1,Value:-0.2;Growth:+0.1;Quality:-0.1;Size:-0.0;Momentum:+0.6;LowVol:-0.9,ESGOnly;MaxPos5%;NoDerivatives;NoMargin,6,25,5.5,trailing 8%,140,18.5,Volatile,28.4,4.12,3.0,157,-56,16,63,false,Sell,Trim extended winner -1%,32,2,BrokerD,MKT,97,None,None,Normal monitoring,90,-60,225,5,false,Increase defensive factor exposure
P6833,Systematic,Trust,USD,2024-07-23,1589521,77139,1512382,1.0,69.0,24.7,1.2,5.1,BND:22.0%;AMZN:22.0%;MSFT:11.9%;HYG:22.0%;VTI:22.0%,US:73.4;EU:7.4;APAC:9.1;EM:9.1;Other:1.0,Value:+0.8;Growth:+0.8;Quality:-0.9;Size:-0.8;Momentum:-0.5;LowVol:-0.2,MaxPos6%;NoDerivatives,7,25,4.4,hard 12%,127,25.3,Volatile,21.0,4.04,3.2,121,27,62,57,false,Sell,Trim extended winner -1%,21,0,BrokerA,MKT,87,None,None,Normal monitoring,102,13,153,4,false,Within IPS guidelines
P6834,Active,Taxable,USD,2024-12-05,1193688,140297,1053391,1.0,53.2,27.0,13.1,6.8,TSLA:26.7%;QQQ:26.7%;MSFT:26.7%;XLF:20.0%,US:68.4;EU:10.4;APAC:8.7;EM:9.0;Other:3.4,Value:-0.2;Growth:+0.6;Quality:-0.6;Size:+0.2;Momentum:+1.0;LowVol:+0.7,MaxPos8%;NoDerivatives,8,25,5.7,trailing 9%,225,23.6,Volatile,30.7,4.29,3.7,146,29,63,82,true,Hedge,Buy index puts 1% notional,35,-22,BrokerC,MKT,85,VAR>budget,Hedge,Risk above budget threshold,48,-14,14,5,false,Within IPS guidelines
P6835,Systematic,Roth,USD,2025-01-05,1873825,130242,1743583,1.0,56.4,34.2,0.0,9.4,BRK.B:34.6%;QQQ:34.6%;TSLA:30.7%,US:59.2;EU:13.9;APAC:14.0;EM:11.3;Other:1.6,Value:+0.4;Growth:-0.5;Quality:+0.5;Size:+0.6;Momentum:+0.6;LowVol:+1.0,,5,35,5.1,trailing 9%,222,21.8,Volatile,25.5,5.21,3.2,115,-37,26,63,false,Buy,Add to core equity +1%,19,-26,BrokerD,MKT,86,None,None,Normal monitoring,101,-12,161,3,false,Monitor dispersion and breadth
P6836,Active,Trust,USD,2024-08-04,2275758,175627,2100131,1.0,53.1,19.4,17.6,9.9,HYG:8.9%;XLF:19.8%;BRK.B:11.5%;MUB:22.2%;VOO:15.4%;VTI:22.2%,US:63.4;EU:12.1;APAC:12.9;EM:10.1;Other:1.5,Value:-0.9;Growth:0.0;Quality:-0.1;Size:+0.3;Momentum:0.0;LowVol:+0.3,,7,30,6.0,hard 12%,136,24.9,Bull,11.1,4.22,3.4,98,57,79,27,false,Hedge,Add TLT +1% as duration hedge,2,10,BrokerD,LMT,99,None,None,Normal monitoring,114,14,152,3,false,Increase defensive factor exposure
P6837,Active,Roth,USD,2025-04-09,1985549,154970,1830579,1.0,58.9,30.3,1.3,9.6,BND:25.0%;VNQ:25.0%;BRK.B:25.0%;IEF:25.0%,US:76.7;EU:9.9;APAC:7.9;EM:4.3;Other:1.3,Value:-0.7;Growth:-0.5;Quality:-0.7;Size:-0.3;Momentum:-0.4;LowVol:-0.5,MaxPos6%,5,25,4.6,trailing 9%,135,24.4,Sideways,16.7,3.91,3.1,124,33,71,42,false,Rebalance,Shift +1% to bonds from equity,-6,9,BrokerB,LMT,87,None,None,Normal monitoring,27,-3,55,4,false,Tighten stops on momentum names
P6838,Hands-off,401k,USD,2024-11-09,178865,10889,167976,1.0,61.9,22.9,8.8,6.4,VTI:8.4%;TSLA:22.0%;MUB:20.5%;AMZN:13.7%;VOO:22.0%;HYG:13.4%,US:72.9;EU:13.4;APAC:5.0;EM:5.2;Other:3.4,Value:+1.0;Growth:-0.7;Quality:-0.5;Size:-0.3;Momentum:-0.0;LowVol:+0.2,,8,35,3.0,trailing 8%,143,15.2,Volatile,28.0,3.99,2.9,123,-5,62,79,true,Reduce,"Cut high-beta by 2-3%, add cash",24,-20,BrokerA,LMT,94,Drift>tolerance,Reduce,Allocation drift beyond policy bands,29,16,-10,4,false,Increase defensive factor exposure
P6839,Active,401k,USD,2024-07-17,1118136,133476,984660,1.0,54.9,29.5,10.2,5.4,VTI:33.3%;VNQ:33.3%;AAPL:33.3%,US:61.4;EU:19.9;APAC:11.5;EM:5.3;Other:1.9,Value:-0.1;Growth:+0.6;Quality:-0.7;Size:+0.5;Momentum:+0.7;LowVol:+1.0,,8,25,5.1,trailing 8%,200,25.2,Bull,14.5,3.73,2.4,71,0,43,46,false,Buy,Add to core equity +1%,34,8,BrokerA,LMT,96,None,None,Normal monitoring,61,8,117,3,false,Increase defensive factor exposure
P6840,Hands-off,Trust,USD,2025-12-16,261146,11539,249607,1.0,67.1,27.2,0.5,5.2,TLT:15.1%;BRK.B:23.1%;VTI:23.6%;VOO:14.6%;BND:23.6%,US:61.7;EU:15.6;APAC:12.9;EM:8.7;Other:1.1,Value:-0.2;Growth:+0.5;Quality:-0.9;Size:-0.8;Momentum:-0.4;LowVol:-0.8,ESGOnly,10,35,5.1,hard 10%,114,19.4,Volatile,23.5,4.42,3.7,168,39,84,60,false,NoAction,Within bands; monitor,35,-7,BrokerC,LMT,93,None,None,Normal monitoring,-39,-42,-77,5,false,Tax-aware sells next window
P6841,Opportunistic,Roth,USD,2025-07-13,440386,16406,423980,1.19,70.6,16.1,7.7,5.6,AAPL:33.3%;AMZN:33.3%;BND:33.3%,US:67.5;EU:13.9;APAC:9.2;EM:7.4;Other:2.0,Value:+1.0;Growth:-0.8;Quality:-0.8;Size:+0.6;Momentum:+1.0;LowVol:-0.1,,8,35,4.5,hard 12%,272,20.9,Bull,15.1,3.89,2.7,77,18,62,49,false,Hedge,Add TLT +1% as duration hedge,-11,6,BrokerD,MKT,94,None,None,Normal monitoring,108,-19,70,3,false,Monitor dispersion and breadth
P6842,Opportunistic,IRA,USD,2025-03-30,756287,29364,726923,1.0,61.1,17.3,16.5,5.2,MUB:9.9%;TLT:23.3%;VTI:23.3%;IEF:9.5%;AAPL:23.3%;MSFT:10.6%,US:71.1;EU:7.0;APAC:12.7;EM:8.4;Other:0.8,Value:-0.3;Growth:-0.8;Quality:+0.9;Size:+0.1;Momentum:-0.6;LowVol:+0.1,MaxPos5%,6,25,6.4,hard 12%,274,23.6,Volatile,30.8,3.6,3.5,151,44,62,76,true,Reduce,"Cut high-beta by 2-3%, add cash",9,-23,BrokerA,MKT,87,Drift>tolerance,Reduce,Allocation drift beyond policy bands,80,-49,217,2,false,Increase defensive factor exposure
P6843,Opportunistic,Taxable,USD,2025-01-27,649101,21059,628042,1.12,63.1,11.8,18.0,7.0,BRK.B:33.3%;TSLA:33.3%;TLT:33.3%,US:74.7;EU:5.9;APAC:10.4;EM:4.6;Other:4.3,Value:+0.1;Growth:+0.4;Quality:+0.7;Size:-0.6;Momentum:-0.2;LowVol:-0.4,,5,25,6.8,trailing 9%,175,29.5,Volatile,26.7,3.66,3.4,132,33,52,67,false,Rebalance,Shift +1% to bonds from equity,26,11,BrokerD,LMT,97,None,None,Normal monitoring,61,2,70,3,false,Monitor dispersion and breadth
P6844,Cautious,IRA,USD,2025-07-05,767385,62232,705153,1.0,48.2,41.5,0.0,10.4,XLF:27.9%;QQQ:16.2%;TSLA:27.9%;VNQ:27.9%,US:61.0;EU:16.2;APAC:8.0;EM:10.8;Other:4.0,Value:+0.2;Growth:+0.7;Quality:-0.5;Size:-0.9;Momentum:-0.9;LowVol:+0.6,ESGOnly;MaxPos6%;NoMargin,7,30,3.8,hard 10%,90,18.3,Sideways,16.6,3.65,2.1,90,57,86,49,false,NoAction,Within bands; monitor,-1,15,BrokerD,VWAP,98,None,None,Normal monitoring,-16,-55,83,4,false,Monitor dispersion and breadth
P6845,Hands-off,Taxable,USD,2025-02-01,536273,43007,493266,1.0,67.0,25.7,0.0,7.3,VTI:27.2%;AMZN:18.8%;VOO:26.7%;QQQ:27.2%,US:62.2;EU:15.1;APAC:10.7;EM:9.7;Other:2.3,Value:+0.8;Growth:-0.8;Quality:+0.9;Size:+0.8;Momentum:+0.8;LowVol:+1.0,ESGOnly;NoDerivatives,10,35,3.8,trailing 10%,159,19.8,Bull,13.0,4.7,3.3,89,13,49,55,false,Rebalance,Shift +1% to bonds from equity,9,-18,BrokerC,LMT,90,None,None,Normal monitoring,52,7,187,3,false,Increase defensive factor exposure
P6846,Hands-off,Taxable,USD,2024-10-14,565711,44741,520970,1.0,60.3,22.7,10.0,7.0,XLF:23.5%;TLT:15.7%;HYG:23.5%;TSLA:13.7%;AMZN:23.5%,US:70.7;EU:9.7;APAC:12.4;EM:5.2;Other:1.9,Value:-0.6;Growth:-0.7;Quality:-0.9;Size:+0.1;Momentum:-0.6;LowVol:+0.5,,8,35,5.4,trailing 8%,101,17.2,Bull,17.8,4.91,2.7,94,98,100,55,true,Hedge,Buy index puts 1% notional,-1,-6,BrokerA,MKT,95,RegimeShift,TightenStops,Volatility spike and breadth deterioration,31,14,6,2,false,Increase defensive factor exposure
P6847,Opportunistic,401k,USD,2025-08-23,344692,13415,331277,1.0,76.7,15.1,0.0,8.2,TSLA:21.8%;QQQ:21.3%;BRK.B:13.3%;GLD:21.8%;AMZN:21.8%,US:72.6;EU:7.8;APAC:7.1;EM:8.5;Other:3.9,Value:+0.2;Growth:+0.7;Quality:+0.5;Size:+0.2;Momentum:-0.2;LowVol:+0.1,MaxPos7%,5,25,6.4,trailing 9%,216,22.1,Bull,16.8,4.94,2.7,110,55,84,68,false,Hedge,Add TLT +1% as duration hedge,-6,-29,BrokerD,MKT,92,None,None,Normal monitoring,103,-57,162,4,false,Tax-aware sells next window
P6848,Opportunistic,Taxable,USD,2024-08-19,783910,31992,751918,1.0,67.4,14.2,14.3,4.2,AAPL:21.1%;HYG:26.3%;TLT:26.3%;BRK.B:26.3%,US:69.0;EU:10.9;APAC:7.1;EM:10.4;Other:2.7,Value:-0.9;Growth:-0.8;Quality:+0.3;Size:-0.1;Momentum:+0.2;LowVol:-0.2,,5,25,5.1,trailing 9%,180,26.5,Bull,12.3,4.51,2.2,111,14,58,39,false,Buy,Add to core equity +1%,31,-7,BrokerB,MKT,99,None,None,Normal monitoring,79,-19,204,5,false,Monitor dispersion and breadth
P6849,Active,Taxable,USD,2025-01-24,2392144,267197,2124947,1.23,57.9,25.4,10.3,6.4,QQQ:18.9%;VNQ:20.6%;VTI:22.0%;GLD:13.0%;VOO:25.5%,US:68.1;EU:16.2;APAC:11.9;EM:3.3;Other:0.5,Value:+0.2;Growth:-0.3;Quality:+0.8;Size:-0.8;Momentum:+0.7;LowVol:-0.7,NoDerivatives,7,30,5.9,trailing 9%,134,23.8,Sideways,14.9,4.47,2.8,133,-18,54,45,false,Hedge,Add TLT +1% as duration hedge,-6,-22,BrokerB,MKT,85,None,None,Normal monitoring,-17,-28,113,4,false,Within IPS guidelines
P6850,Hands-off,Trust,USD,2025-03-03,396702,21625,375077,1.0,57.6,17.5,17.2,7.7,AAPL:20.8%;BND:12.1%;TSLA:6.3%;VNQ:20.8%;BRK.B:20.8%;QQQ:19.3%,US:72.5;EU:10.6;APAC:8.9;EM:5.6;Other:2.5,Value:+0.9;Growth:-0.7;Quality:+0.5;Size:+0.8;Momentum:+0.6;LowVol:-0.3,NoDerivatives,7,30,4.8,trailing 10%,100,18.0,Bear,22.6,3.71,2.8,150,-4,39,57,false,Buy,Add to core equity +1%,17,-16,BrokerA,MKT,96,None,None,Normal monitoring,19,-1,121,5,false,Tax-aware sells next window
P6851,Opportunistic,Roth,USD,2024-09-06,754381,29586,724795,1.0,74.8,13.9,3.7,7.6,AMZN:10.7%;XLF:22.5%;HYG:14.4%;IEF:21.5%;AAPL:8.4%;VTI:22.5%,US:69.9;EU:16.8;APAC:6.5;EM:5.2;Other:1.6,Value:+0.9;Growth:+1.0;Quality:+0.2;Size:+1.0;Momentum:+0.8;LowVol:+0.1,,8,25,4.5,trailing 7%,215,32.6,Sideways,14.0,4.56,3.4,120,-1,60,48,false,Sell,Trim extended winner -1%,18,12,BrokerC,LMT,96,None,None,Normal monitoring,42,-8,115,5,false,Within IPS guidelines
P6852,Opportunistic,Taxable,USD,2025-12-26,430242,16468,413774,1.0,76.0,12.5,5.4,6.1,TSLA:22.9%;VNQ:18.1%;BRK.B:18.8%;VTI:17.9%;VOO:22.3%,US:71.0;EU:9.7;APAC:8.6;EM:8.8;Other:1.9,Value:+0.9;Growth:+0.2;Quality:+0.7;Size:-0.2;Momentum:-0.8;LowVol:+0.2,MaxPos7%;NoDerivatives,10,35,4.7,trailing 7%,178,26.8,Bull,15.1,3.57,2.8,77,74,82,50,false,Sell,Trim extended winner -1%,34,-37,BrokerA,LMT,99,None,None,Normal monitoring,-45,0,89,5,false,Increase defensive factor exposure
P6853,Active,Roth,USD,2024-10-11,2154707,181033,1973674,1.0,51.4,25.1,14.3,9.2,HYG:25.6%;TLT:24.5%;TSLA:24.3%;MUB:25.6%,US:68.0;EU:13.6;APAC:5.7;EM:9.6;Other:3.1,Value:+0.8;Growth:-0.6;Quality:+0.7;Size:-0.2;Momentum:+0.6;LowVol:+0.8,,8,30,5.2,trailing 8%,211,18.2,Sideways,17.8,4.07,3.5,132,-6,59,56,true,Rebalance,Rebalance back to target bands,1,10,BrokerA,VWAP,99,VAR>budget,Hedge,Risk above budget threshold,-49,-12,-26,3,false,Tighten stops on momentum names
P6854,Opportunistic,Taxable,USD,2025-05-09,1357988,97590,1260398,1.0,72.6,12.8,7.8,6.8,XLF:22.4%;MSFT:19.4%;BRK.B:22.4%;TLT:22.4%;AAPL:13.3%,US:68.7;EU:14.8;APAC:11.3;EM:3.4;Other:1.8,Value:-0.3;Growth:+0.4;Quality:-0.7;Size:+0.7;Momentum:+0.8;LowVol:-0.0,,7,35,6.8,trailing 9%,251,27.8,Bear,29.9,4.42,2.3,170,-2,40,75,true,Rebalance,Rebalance back to target bands,-10,-25,BrokerA,MKT,91,RegimeShift,Reduce,Volatility spike and breadth deterioration,0,-58,44,2,false,Increase defensive factor exposure
P6855,Opportunistic,IRA,USD,2025-09-18,1265899,61701,1204198,1.0,63.7,20.6,8.2,7.5,AAPL:12.0%;QQQ:21.2%;AMZN:21.5%;HYG:21.5%;XLF:7.2%;TSLA:16.5%,US:70.3;EU:9.6;APAC:10.7;EM:8.9;Other:0.5,Value:+0.9;Growth:-0.8;Quality:+0.6;Size:+0.2;Momentum:-0.6;LowVol:-0.4,,8,35,6.8,trailing 9%,238,24.3,Sideways,16.2,3.84,2.7,125,-5,44,44,false,Sell,Trim extended winner -1%,11,11,BrokerA,MKT,95,None,None,Normal monitoring,82,-39,160,3,false,Tighten stops on momentum names
P6856,Active,Taxable,USD,2025-12-14,1319739,101915,1217824,1.0,62.5,22.0,6.6,8.9,HYG:13.5%;BRK.B:20.2%;MSFT:23.8%;MUB:15.3%;TSLA:13.3%;VOO:13.8%,US:69.0;EU:13.7;APAC:9.1;EM:7.5;Other:0.7,Value:-0.8;Growth:-0.5;Quality:-0.3;Size:-0.9;Momentum:+0.1;LowVol:+0.5,,7,25,4.6,trailing 8%,134,27.2,Bear,25.8,4.44,1.1,192,-24,29,62,false,Buy,Add to core equity +1%,-9,-26,BrokerB,MKT,98,None,None,Normal monitoring,0,-12,103,5,false,Tighten stops on momentum names
P6857,Opportunistic,Taxable,USD,2024-07-15,1516268,57895,1458373,1.14,65.0,14.3,13.0,7.7,BND:13.5%;IEF:24.2%;TSLA:24.2%;TLT:24.2%;BRK.B:13.9%,US:62.6;EU:14.4;APAC:10.4;EM:8.6;Other:4.0,Value:-0.4;Growth:-0.5;Quality:-0.7;Size:-0.8;Momentum:+0.8;LowVol:+0.2,NoDerivatives,8,25,6.4,trailing 7%,263,22.0,Bear,26.9,4.17,2.6,140,-17,50,64,false,Hedge,Add TLT +1% as duration hedge,20,-13,BrokerC,MKT,100,None,None,Normal monitoring,95,-31,82,3,false,Tax-aware sells next window
P6858,Cautious,Taxable,USD,2025-04-06,336169,30190,305979,1.0,37.2,36.4,11.2,15.2,HYG:9.1%;VOO:20.7%;IEF:20.7%;VNQ:17.1%;AMZN:15.6%;VTI:16.8%,US:62.5;EU:12.3;APAC:9.9;EM:11.3;Other:4.0,Value:-0.4;Growth:-0.2;Quality:+0.6;Size:-0.7;Momentum:-0.1;LowVol:-1.0,MaxPos6%;NoMargin,6,30,5.2,hard 10%,162,12.4,Bull,17.5,4.37,2.2,106,93,96,36,false,Rebalance,Shift +1% to bonds from equity,9,-38,BrokerD,MKT,99,None,None,Normal monitoring,110,-47,101,5,false,Monitor dispersion and breadth
P6859,Systematic,401k,USD,2025-01-20,1295497,56716,1238781,1.0,65.4,25.0,2.1,7.5,AMZN:25.2%;XLF:25.2%;QQQ:10.3%;MSFT:14.0%;TSLA:25.2%,US:66.3;EU:14.9;APAC:11.5;EM:4.8;Other:2.4,Value:+0.1;Growth:-0.9;Quality:+0.3;Size:+0.4;Momentum:+0.7;LowVol:-0.6,,6,30,5.0,trailing 8%,148,24.6,Sideways,17.4,4.23,2.2,104,-8,48,50,false,Sell,Trim extended winner -1%,0,-32,BrokerB,LMT,91,None,None,Normal monitoring,94,3,195,4,false,Monitor dispersion and breadth
P6860,Systematic,Trust,USD,2024-09-23,1787606,146230,1641376,1.0,63.9,31.1,0.0,5.0,TSLA:17.7%;TLT:20.5%;IEF:13.8%;MUB:19.5%;XLF:17.5%;HYG:11.0%,US:58.7;EU:19.8;APAC:13.0;EM:7.4;Other:1.1,Value:+0.1;Growth:-0.2;Quality:+0.7;Size:+0.1;Momentum:-0.9;LowVol:-0.1,NoDerivatives,10,30,4.5,trailing 8%,133,26.3,Bear,32.8,3.32,1.9,154,-44,18,73,true,Reduce,"Cut high-beta by 2-3%, add cash",19,-38,BrokerB,VWAP,99,VAR>budget,Hedge,Risk above budget threshold,27,-1,95,4,false,Monitor dispersion and breadth
P6861,Active,Trust,USD,2025-12-24,1374857,136589,1238268,1.1,61.7,31.7,0.0,6.6,VNQ:33.3%;GLD:33.3%;VOO:33.3%,US:65.7;EU:11.7;APAC:7.6;EM:10.1;Other:4.8,Value:+0.6;Growth:+0.4;Quality:-0.6;Size:-0.6;Momentum:-0.5;LowVol:+0.2,,7,25,6.0,trailing 8%,219,24.9,Bear,34.7,3.21,3.0,146,-102,5,77,true,Hedge,Buy index puts 1% notional,-10,-20,BrokerD,MKT,94,Drift>tolerance,Hedge,Allocation drift beyond policy bands,93,-16,131,3,false,Tax-aware sells next window
P6862,Active,IRA,USD,2025-07-04,2285441,265361,2020080,1.0,61.8,29.7,0.0,8.5,BRK.B:21.4%;TLT:21.4%;TSLA:21.4%;VTI:21.4%;AMZN:14.4%,US:67.6;EU:8.4;APAC:15.6;EM:4.0;Other:4.5,Value:-0.3;Growth:+0.4;Quality:+0.3;Size:+0.7;Momentum:+0.2;LowVol:-0.0,,5,35,5.7,trailing 8%,155,22.3,Sideways,17.9,4.77,3.2,109,-26,51,51,false,Rebalance,Shift +1% to bonds from equity,7,-22,BrokerD,MKT,97,None,None,Normal monitoring,-18,-26,32,5,false,Tighten stops on momentum names
P6863,Cautious,Roth,USD,2025-04-14,547228,51928,495300,1.0,47.7,33.7,6.4,12.2,BND:18.6%;VTI:22.8%;QQQ:22.8%;TSLA:12.8%;GLD:22.8%,US:66.0;EU:15.5;APAC:7.8;EM:8.2;Other:2.4,Value:-0.4;Growth:-0.9;Quality:-1.0;Size:+0.4;Momentum:+0.9;LowVol:+0.7,ESGOnly;MaxPos8%;NoMargin,7,35,4.6,trailing 10%,170,13.2,Bear,34.3,3.04,1.1,151,19,67,75,true,Rebalance,Rebalance back to target bands,-5,3,BrokerA,MKT,94,Drift>tolerance,Pause,Allocation drift beyond policy bands,-3,14,107,5,false,Within IPS guidelines
P6864,Cautious,Roth,USD,2025-03-21,446040,43317,402723,1.0,44.5,30.9,10.1,14.6,QQQ:27.1%;AMZN:18.7%;AAPL:27.1%;IEF:27.1%,US:60.2;EU:18.5;APAC:10.1;EM:9.6;Other:1.7,Value:+0.4;Growth:+0.4;Quality:+1.0;Size:-0.1;Momentum:-0.4;LowVol:+0.3,ESGOnly;NoDerivatives;NoMargin,10,35,3.1,trailing 8%,104,15.2,Sideways,18.6,4.64,3.1,125,-26,44,41,true,Reduce,"Cut high-beta by 2-3%, add cash",20,-23,BrokerB,MKT,96,Drift>tolerance,Reduce,Allocation drift beyond policy bands,37,-56,10,3,false,Tighten stops on momentum names
P6865,Opportunistic,Roth,USD,2025-01-05,1298090,87168,1210922,1.0,63.2,18.3,14.1,4.4,MSFT:15.7%;VOO:20.8%;VNQ:13.0%;AMZN:17.9%;TLT:11.5%;AAPL:21.0%,US:64.5;EU:17.9;APAC:8.3;EM:8.8;Other:0.5,Value:-1.0;Growth:-1.0;Quality:+0.7;Size:-0.3;Momentum:-1.0;LowVol:+0.1,,5,25,6.3,hard 12%,215,23.1,Sideways,21.6,4.42,3.1,106,21,69,54,false,NoAction,Within bands; monitor,27,-8,BrokerC,MKT,0,None,None,Normal monitoring,-49,2,57,5,false,Tighten stops on momentum names
P6866,Hands-off,IRA,USD,2024-07-31,405570,37258,368312,1.0,67.5,26.2,0.0,6.3,BRK.B:28.3%;TLT:15.1%;AAPL:28.3%;BND:28.3%,US:64.0;EU:19.8;APAC:5.2;EM:9.0;Other:2.1,Value:+0.5;Growth:-0.3;Quality:0.0;Size:+0.9;Momentum:+0.9;LowVol:-0.3,ESGOnly,7,35,4.7,trailing 8%,135,18.9,Bear,33.4,3.44,1.0,198,9,69,91,true,Reduce,"Cut high-beta by 2-3%, add cash",7,-4,BrokerB,LMT,98,Drift>tolerance,Hedge,Allocation drift beyond policy bands,33,-45,38,2,false,Increase defensive factor exposure
P6867,Cautious,Roth,USD,2025-06-04,578114,89441,488673,1.0,41.1,40.0,5.4,13.5,QQQ:13.5%;VTI:6.8%;XLF:14.3%;GLD:21.8%;AAPL:21.8%;VNQ:21.8%,US:70.0;EU:12.0;APAC:10.9;EM:6.1;Other:1.1,Value:-0.5;Growth:+0.7;Quality:-0.7;Size:+0.6;Momentum:+0.8;LowVol:-0.9,NoDerivatives;NoMargin,5,25,5.7,hard 10%,158,13.8,Bear,33.6,3.02,2.3,220,-84,5,67,false,Rebalance,Shift +1% to bonds from equity,-15,-10,BrokerD,VWAP,91,None,None,Normal monitoring,31,-33,124,3,false,Monitor dispersion and breadth
P6868,Cautious,401k,USD,2024-11-28,307735,43410,264325,1.0,45.9,38.3,0.3,15.4,AAPL:25.0%;IEF:25.0%;VOO:25.0%;TSLA:25.0%,US:77.2;EU:6.3;APAC:10.0;EM:5.8;Other:0.7,Value:-0.6;Growth:0.0;Quality:+0.4;Size:-0.5;Momentum:+0.1;LowVol:+0.8,ESGOnly;MaxPos8%;NoMargin,6,25,5.2,trailing 10%,115,19.3,Bear,26.5,3.17,2.2,175,-79,20,61,false,Sell,Trim extended winner -1%,-10,-1,BrokerA,MKT,88,None,None,Normal monitoring,89,-19,96,5,false,Tax-aware sells next window
P6869,Hands-off,401k,USD,2024-08-14,398055,22703,375352,1.0,62.2,27.3,2.6,7.9,QQQ:13.5%;XLF:23.4%;AMZN:18.1%;MUB:23.4%;HYG:21.7%,US:73.7;EU:5.3;APAC:9.2;EM:7.6;Other:4.2,Value:-0.8;Growth:-0.8;Quality:-0.2;Size:+0.8;Momentum:-0.1;LowVol:-0.6,MaxPos7%,6,30,3.6,trailing 8%,148,12.4,Bull,11.9,3.96,2.3,110,32,52,51,true,Rebalance,Rebalance back to target bands,25,-34,BrokerD,VWAP,99,Drift>tolerance,Pause,Allocation drift beyond policy bands,89,-8,96,3,false,Within IPS guidelines
P6870,Opportunistic,Trust,USD,2025-02-08,390912,21516,369396,1.0,68.7,20.3,6.2,4.9,AAPL:28.8%;HYG:28.8%;TSLA:13.7%;VOO:28.8%,US:65.0;EU:8.5;APAC:8.4;EM:12.6;Other:5.5,Value:+0.6;Growth:-0.1;Quality:+0.7;Size:0.0;Momentum:+0.7;LowVol:0.0,,7,30,6.5,hard 12%,275,23.1,Bull,12.3,4.52,2.8,81,107,100,44,false,Buy,Add to core equity +1%,29,2,BrokerD,MKT,85,None,None,Normal monitoring,-26,2,55,3,false,Tighten stops on momentum names
P6871,Systematic,Trust,USD,2024-11-29,1022508,58232,964276,1.0,68.2,24.6,0.0,7.2,VNQ:29.0%;QQQ:35.5%;IEF:35.5%,US:57.0;EU:17.1;APAC:11.9;EM:11.0;Other:3.0,Value:-0.2;Growth:+0.1;Quality:+0.4;Size:-0.1;Momentum:+1.0;LowVol:+0.8,MaxPos6%,8,35,5.6,trailing 8%,181,22.7,Bull,14.2,4.67,3.0,91,3,52,47,false,Rebalance,Shift +1% to bonds from equity,-5,-4,BrokerD,MKT,87,None,None,Normal monitoring,50,-49,69,4,false,Tax-aware sells next window
P6872,Active,Taxable,USD,2025-09-25,2475661,167316,2308345,1.0,52.2,30.2,9.2,8.4,VNQ:21.0%;XLF:22.5%;AAPL:27.7%;AMZN:28.7%,US:74.1;EU:9.6;APAC:7.9;EM:6.1;Other:2.3,Value:+0.8;Growth:-0.1;Quality:-0.7;Size:-0.7;Momentum:+0.8;LowVol:+1.0,,6,35,4.0,hard 12%,184,26.9,Volatile,27.4,4.19,4.2,152,8,62,65,false,Rebalance,Shift +1% to bonds from equity,18,-14,BrokerC,VWAP,93,None,None,Normal monitoring,80,1,49,4,false,Within IPS guidelines
P6873,Cautious,Taxable,USD,2025-10-10,735050,111094,623956,1.0,47.3,32.5,4.8,15.3,TSLA:15.5%;AAPL:17.7%;IEF:21.5%;AMZN:21.5%;VOO:17.0%;VTI:6.8%,US:59.2;EU:16.4;APAC:10.6;EM:12.2;Other:1.6,Value:+0.2;Growth:0.0;Quality:+0.1;Size:-0.3;Momentum:-0.2;LowVol:-0.2,NoDerivatives;NoMargin,10,30,4.4,trailing 8%,122,16.4,Bull,15.4,4.44,2.9,100,119,100,31,false,Buy,Add to core equity +1%,-6,-37,BrokerA,LMT,95,None,None,Normal monitoring,25,-4,-9,3,false,Monitor dispersion and breadth
P6874,Opportunistic,Trust,USD,2024-10-27,1153774,59729,1094045,1.1,73.7,10.4,9.0,7.0,VOO:8.1%;IEF:20.4%;MSFT:18.7%;TSLA:20.4%;BRK.B:12.0%;QQQ:20.4%,US:59.5;EU:13.1;APAC:9.0;EM:13.3;Other:5.0,Value:+0.6;Growth:-1.0;Quality:+0.8;Size:+0.7;Momentum:+0.9;LowVol:-0.7,MaxPos6%,6,25,5.4,hard 12%,200,31.2,Bear,22.1,3.86,1.3,216,-80,9,58,true,Hedge,Buy index puts 1% notional,8,-13,BrokerA,LMT,89,VAR>budget,Hedge,Risk above budget threshold,74,20,187,2,false,Monitor dispersion and breadth
P6875,Hands-off,Taxable,USD,2025-03-03,584894,48623,536271,1.0,61.9,15.9,12.7,9.6,HYG:24.1%;BRK.B:14.6%;TLT:13.0%;TSLA:24.1%;XLF:24.1%,US:78.3;EU:6.6;APAC:6.4;EM:6.3;Other:2.4,Value:-0.4;Growth:+0.3;Quality:+0.1;Size:+0.4;Momentum:-0.4;LowVol:+0.8,,7,35,5.7,hard 10%,96,14.6,Volatile,30.6,5.36,3.8,167,43,68,83,true,Hedge,Buy index puts 1% notional,24,-25,BrokerC,LMT,90,RegimeShift,TightenStops,Volatility spike and breadth deterioration,-57,3,-50,4,false,Tighten stops on momentum names
P6876,Active,Taxable,USD,2025-05-03,2320495,275597,2044898,1.0,56.6,18.5,15.0,9.9,MUB:31.0%;QQQ:34.5%;VNQ:34.5%,US:65.2;EU:9.5;APAC:7.5;EM:13.8;Other:3.9,Value:-0.2;Growth:+0.5;Quality:0.0;Size:-0.0;Momentum:+0.7;LowVol:-0.7,,8,35,4.0,trailing 8%,219,19.3,Sideways,21.6,4.68,3.3,97,-23,38,52,false,Buy,Add to core equity +1%,-2,-6,BrokerD,MKT,85,None,None,Normal monitoring,-13,-5,-28,4,false,Tighten stops on momentum names
P6877,Opportunistic,Roth,USD,2025-10-24,1417857,45109,1372748,1.18,73.8,20.2,0.0,6.1,AAPL:10.3%;QQQ:12.8%;BND:22.4%;BRK.B:22.4%;IEF:17.5%;HYG:14.7%,US:58.2;EU:18.9;APAC:14.2;EM:4.0;Other:4.7,Value:+0.1;Growth:+0.1;Quality:+0.9;Size:-1.0;Momentum:+0.2;LowVol:-0.2,,10,30,4.7,trailing 7%,207,28.0,Bull,13.7,4.52,2.1,99,91,80,56,true,Hedge,Buy index puts 1% notional,7,-9,BrokerB,VWAP,97,RegimeShift,Hedge,Volatility spike and breadth deterioration,20,1,133,5,false,Tighten stops on momentum names
P6878,Systematic,401k,USD,2024-12-18,1554952,124111,1430841,1.0,64.0,21.9,7.3,6.8,MUB:35.7%;BRK.B:28.6%;TLT:35.7%,US:63.4;EU:16.9;APAC:10.4;EM:8.1;Other:1.2,Value:-0.3;Growth:-0.8;Quality:0.0;Size:+0.3;Momentum:+0.3;LowVol:-0.5,MaxPos7%,6,30,5.2,trailing 8%,179,17.8,Volatile,22.8,5.44,2.5,163,37,56,71,true,Reduce,"Cut high-beta by 2-3%, add cash",-5,-39,BrokerD,MKT,97,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-39,-41,-42,4,false,Within IPS guidelines
P6879,Hands-off,Taxable,USD,2025-02-24,316597,27075,289522,1.0,60.4,23.9,10.2,5.5,AMZN:33.3%;HYG:33.3%;BND:33.3%,US:61.9;EU:17.6;APAC:14.3;EM:4.2;Other:1.9,Value:+1.0;Growth:+0.9;Quality:-0.1;Size:-0.1;Momentum:-0.0;LowVol:+0.9,ESGOnly,5,25,5.7,trailing 8%,122,13.5,Volatile,22.5,5.48,4.3,133,31,59,59,false,Buy,Add to core equity +1%,29,-22,BrokerB,LMT,85,None,None,Normal monitoring,-3,18,49,3,false,Increase defensive factor exposure
P6880,Systematic,401k,USD,2025-02-03,409363,34096,375267,1.0,61.9,30.1,1.7,6.4,MUB:21.9%;BRK.B:21.9%;QQQ:16.1%;HYG:21.9%;VTI:18.2%,US:60.6;EU:20.1;APAC:7.0;EM:10.4;Other:1.9,Value:+0.6;Growth:+0.4;Quality:-0.5;Size:-0.7;Momentum:+1.0;LowVol:-0.2,,10,35,5.6,trailing 9%,185,19.5,Bear,33.9,4.2,1.6,202,4,60,79,true,Hedge,Buy index puts 1% notional,29,-15,BrokerA,LMT,89,Drift>tolerance,Pause,Allocation drift beyond policy bands,93,-46,94,4,false,Within IPS guidelines
P6881,Cautious,Taxable,USD,2025-03-19,565776,52251,513525,1.0,42.4,37.2,3.2,17.2,QQQ:13.7%;TLT:28.8%;TSLA:28.8%;XLF:28.8%,US:70.4;EU:8.2;APAC:6.2;EM:9.3;Other:6.0,Value:-0.0;Growth:-1.0;Quality:-0.6;Size:+0.6;Momentum:-0.5;LowVol:+0.8,ESGOnly;NoMargin,7,25,4.3,hard 10%,100,14.0,Bull,17.8,4.63,3.3,81,9,54,38,false,Buy,Add to core equity +1%,21,1,BrokerC,LMT,96,None,None,Normal monitoring,104,-2,158,5,false,Increase defensive factor exposure
P6882,Opportunistic,401k,USD,2025-12-05,1249201,61520,1187681,1.0,73.9,12.1,9.7,4.3,VNQ:23.9%;QQQ:17.3%;XLF:23.9%;TSLA:23.9%;MUB:11.0%,US:62.5;EU:6.5;APAC:14.2;EM:11.4;Other:5.4,Value:+0.7;Growth:+0.1;Quality:+0.3;Size:+0.3;Momentum:+0.4;LowVol:-0.5,MaxPos5%,5,25,4.8,trailing 9%,223,28.7,Bull,17.2,4.73,3.5,81,45,76,65,false,Buy,Add to core equity +1%,25,-7,BrokerD,VWAP,86,None,None,Normal monitoring,13,-11,-27,4,false,Increase defensive factor exposure
P6883,Opportunistic,Taxable,USD,2025-06-22,1644044,91144,1552900,1.12,73.5,12.5,8.9,5.1,TSLA:34.8%;GLD:34.8%;QQQ:30.4%,US:57.3;EU:20.9;APAC:11.1;EM:9.2;Other:1.5,Value:+0.1;Growth:+0.1;Quality:+0.4;Size:-0.5;Momentum:-0.7;LowVol:-0.2,MaxPos7%,8,25,7.0,trailing 9%,278,29.1,Volatile,26.0,4.06,3.9,178,26,66,71,true,Rebalance,Rebalance back to target bands,-12,-5,BrokerB,LMT,99,Drift>tolerance,Reduce,Allocation drift beyond policy bands,41,-11,126,5,false,Tighten stops on momentum names
P6884,Cautious,Roth,USD,2025-03-21,258872,31333,227539,1.0,48.8,35.5,0.0,15.7,TLT:15.1%;VTI:20.9%;QQQ:14.1%;MSFT:10.4%;VOO:18.5%;IEF:20.9%,US:60.4;EU:17.0;APAC:12.4;EM:10.1;Other:0.0,Value:-0.8;Growth:0.0;Quality:+0.5;Size:-1.0;Momentum:-0.3;LowVol:+1.0,NoMargin,8,30,3.9,hard 10%,111,19.7,Sideways,18.2,4.42,3.5,93,-18,32,41,false,Sell,Trim extended winner -1%,-8,-14,BrokerA,LMT,95,None,None,Normal monitoring,30,-33,-4,4,false,Tighten stops on momentum names
P6885,Opportunistic,Roth,USD,2024-12-05,1018486,51033,967453,1.0,73.0,17.9,1.9,7.2,TLT:13.4%;MUB:28.9%;AAPL:28.9%;BRK.B:28.9%,US:56.5;EU:17.8;APAC:9.5;EM:11.4;Other:4.7,Value:+0.4;Growth:+1.0;Quality:+0.9;Size:+0.8;Momentum:+0.8;LowVol:+0.3,MaxPos5%;NoDerivatives,7,30,5.8,trailing 7%,208,32.3,Bull,13.6,4.8,2.1,100,81,100,46,false,Hedge,Add TLT +1% as duration hedge,3,-35,BrokerB,VWAP,95,None,None,Normal monitoring,-17,-39,83,3,false,Tax-aware sells next window
P6886,Systematic,Trust,USD,2025-10-04,1912325,78112,1834213,1.0,61.0,33.4,0.0,5.5,AMZN:27.8%;QQQ:27.8%;TLT:27.8%;MSFT:16.6%,US:63.6;EU:16.1;APAC:5.4;EM:10.5;Other:4.3,Value:-1.0;Growth:+0.4;Quality:+0.5;Size:-0.1;Momentum:-0.9;LowVol:-0.9,MaxPos5%,8,35,4.2,trailing 9%,223,17.0,Bear,22.3,3.54,1.1,132,19,46,58,false,Rebalance,Shift +1% to bonds from equity,6,-17,BrokerC,VWAP,91,None,None,Normal monitoring,54,-19,176,4,false,Monitor dispersion and breadth
P6887,Active,Roth,USD,2024-11-08,527754,49529,478225,1.0,62.8,26.2,2.9,8.1,IEF:23.4%;XLF:14.0%;VNQ:16.0%;AAPL:23.4%;TSLA:23.4%,US:74.3;EU:5.8;APAC:13.1;EM:6.7;Other:0.1,Value:-0.5;Growth:+0.9;Quality:-0.5;Size:+0.9;Momentum:-0.7;LowVol:-0.2,,10,25,5.0,trailing 8%,227,16.2,Bear,30.3,3.78,2.7,143,31,55,77,true,Hedge,Buy index puts 1% notional,22,-7,BrokerD,MKT,95,RegimeShift,Reduce,Volatility spike and breadth deterioration,50,-53,163,2,false,Increase defensive factor exposure
P6888,Active,IRA,USD,2025-10-18,934180,108736,825444,1.0,62.4,30.9,0.0,6.8,GLD:19.0%;HYG:21.8%;IEF:12.8%;AAPL:12.0%;AMZN:12.5%;XLF:21.8%,US:59.5;EU:18.6;APAC:6.9;EM:11.0;Other:3.9,Value:+0.1;Growth:+1.0;Quality:-0.2;Size:+0.9;Momentum:-0.2;LowVol:-0.1,MaxPos5%,8,35,4.7,trailing 9%,167,19.8,Sideways,16.7,4.26,2.7,109,-24,25,60,false,Rebalance,Shift +1% to bonds from equity,12,-4,BrokerA,MKT,91,None,None,Normal monitoring,-9,19,-29,4,false,Tax-aware sells next window
P6889,Active,Trust,USD,2024-11-09,1881119,206521,1674598,1.0,65.8,24.4,0.0,9.8,GLD:26.6%;BRK.B:26.6%;XLF:26.6%;VNQ:20.3%,US:68.3;EU:15.5;APAC:9.3;EM:2.9;Other:3.9,Value:-0.1;Growth:+0.5;Quality:-0.4;Size:+0.7;Momentum:+0.6;LowVol:+0.1,MaxPos8%,7,25,4.8,hard 12%,147,22.1,Sideways,19.4,4.02,2.7,122,-29,23,61,true,Hedge,Buy index puts 1% notional,-2,-3,BrokerB,MKT,96,VAR>budget,Hedge,Risk above budget threshold,44,-4,91,3,false,Monitor dispersion and breadth
P6890,Active,Taxable,USD,2025-02-07,865108,94519,770589,1.0,54.1,27.1,13.3,5.6,BND:14.8%;TSLA:9.6%;QQQ:14.1%;VOO:24.6%;AAPL:12.2%;BRK.B:24.6%,US:65.3;EU:17.5;APAC:8.2;EM:5.9;Other:3.1,Value:+0.5;Growth:+0.2;Quality:+0.4;Size:-0.6;Momentum:-0.7;LowVol:-0.3,NoDerivatives,5,35,5.5,trailing 8%,197,27.6,Bear,32.1,3.51,2.7,187,-99,5,76,true,Reduce,"Cut high-beta by 2-3%, add cash",-5,10,BrokerA,MKT,100,VAR>budget,Hedge,Risk above budget threshold,85,-25,75,5,false,Tighten stops on momentum names
P6891,Active,Taxable,USD,2025-03-14,1143800,126484,1017316,1.16,61.7,22.3,9.5,6.5,VNQ:27.9%;XLF:27.9%;IEF:15.5%;AMZN:14.4%;VOO:14.4%,US:63.0;EU:17.4;APAC:12.3;EM:5.6;Other:1.8,Value:-0.7;Growth:-0.9;Quality:+0.9;Size:-0.7;Momentum:+0.5;LowVol:0.0,MaxPos8%,7,35,4.3,trailing 9%,127,22.0,Volatile,22.3,4.61,3.9,153,-41,25,55,true,Rebalance,Rebalance back to target bands,15,-29,BrokerA,LMT,90,RegimeShift,TightenStops,Volatility spike and breadth deterioration,65,-59,99,4,false,Within IPS guidelines
P6892,Systematic,Roth,USD,2024-12-03,691386,66510,624876,1.0,58.7,25.4,9.2,6.7,IEF:23.7%;VOO:23.7%;MSFT:16.2%;MUB:23.7%;QQQ:12.6%,US:66.3;EU:6.8;APAC:16.8;EM:7.7;Other:2.5,Value:-0.3;Growth:-0.5;Quality:-0.9;Size:+0.9;Momentum:-0.6;LowVol:+0.9,NoDerivatives,7,25,5.4,trailing 8%,185,25.5,Sideways,18.8,3.6,3.4,124,49,81,58,true,Reduce,"Cut high-beta by 2-3%, add cash",-11,-19,BrokerC,MKT,93,RegimeShift,Pause,Volatility spike and breadth deterioration,37,-12,121,5,false,Tighten stops on momentum names
P6893,Hands-off,401k,USD,2024-10-21,779320,77251,702069,1.0,61.9,19.1,10.6,8.4,BND:34.1%;MSFT:31.7%;HYG:34.1%,US:68.0;EU:9.7;APAC:8.6;EM:10.4;Other:3.3,Value:-0.9;Growth:+1.0;Quality:+0.9;Size:-0.9;Momentum:+0.9;LowVol:-1.0,ESGOnly,8,35,5.0,trailing 8%,161,13.6,Sideways,14.6,4.87,2.9,103,2,56,38,false,Rebalance,Shift +1% to bonds from equity,-8,-31,BrokerD,MKT,98,None,None,Normal monitoring,109,-1,92,3,false,Tighten stops on momentum names
P6894,Cautious,Roth,USD,2025-06-01,525079,75989,449090,1.0,43.1,34.2,11.3,11.3,IEF:21.3%;BRK.B:17.0%;TLT:9.1%;AAPL:21.3%;BND:10.1%;GLD:21.3%,US:68.1;EU:19.9;APAC:5.6;EM:5.8;Other:0.6,Value:+0.6;Growth:+0.1;Quality:0.0;Size:0.0;Momentum:+0.9;LowVol:0.0,NoMargin,5,35,5.3,hard 10%,113,16.0,Volatile,29.6,5.09,4.4,173,-21,46,62,false,Hedge,Add TLT +1% as duration hedge,-9,-9,BrokerC,VWAP,97,None,None,Normal monitoring,108,-46,224,4,false,Increase defensive factor exposure
P6895,Active,Trust,USD,2025-02-14,1537505,174252,1363253,1.0,65.0,29.2,0.0,5.8,AMZN:24.2%;HYG:14.2%;AAPL:24.2%;MUB:13.2%;TLT:24.2%,US:64.1;EU:14.6;APAC:10.4;EM:5.7;Other:5.2,Value:-0.4;Growth:-0.7;Quality:+0.7;Size:+0.4;Momentum:+0.1;LowVol:-0.3,,5,25,4.6,trailing 8%,159,21.3,Bull,13.4,4.99,2.0,115,83,78,40,false,Sell,Trim extended winner -1%,-9,-31,BrokerA,LMT,86,None,None,Normal monitoring,91,-26,111,4,false,Within IPS guidelines
P6896,Hands-off,Taxable,USD,2024-12-01,377678,35494,342184,1.0,66.1,20.0,8.7,5.2,AAPL:27.2%;MSFT:18.5%;TLT:27.2%;BRK.B:27.2%,US:68.2;EU:12.0;APAC:11.5;EM:4.0;Other:4.3,Value:+0.3;Growth:+0.6;Quality:0.0;Size:-0.1;Momentum:-0.4;LowVol:-0.6,,10,30,3.4,trailing 10%,143,16.3,Bull,16.7,4.37,2.7,117,105,100,59,false,Hedge,Add TLT +1% as duration hedge,-15,-19,BrokerB,MKT,87,None,None,Normal monitoring,75,-4,158,3,false,Within IPS guidelines
P6897,Active,Taxable,USD,2024-09-14,1136185,131373,1004812,1.0,58.4,23.7,10.5,7.4,VOO:14.9%;VTI:24.0%;VNQ:15.8%;IEF:20.3%;MUB:13.1%;TLT:11.8%,US:71.1;EU:11.1;APAC:10.1;EM:7.2;Other:0.5,Value:+0.7;Growth:-0.9;Quality:-0.7;Size:-0.9;Momentum:+0.5;LowVol:+0.7,,6,35,4.3,trailing 8%,225,27.0,Sideways,18.5,3.93,3.1,138,17,51,42,true,Reduce,"Cut high-beta by 2-3%, add cash",15,-7,BrokerC,VWAP,98,VAR>budget,Hedge,Risk above budget threshold,93,7,92,3,false,Tax-aware sells next window
P6898,Hands-off,Roth,USD,2025-06-29,661989,31163,630826,1.0,64.1,21.0,9.0,5.9,BND:35.5%;VTI:35.5%;TSLA:29.0%,US:60.3;EU:15.3;APAC:13.5;EM:9.0;Other:1.9,Value:-0.3;Growth:+0.8;Quality:-0.4;Size:-0.3;Momentum:-0.0;LowVol:-0.2,MaxPos6%,6,35,4.8,trailing 8%,94,16.6,Bull,13.6,4.11,3.2,110,31,63,44,false,Sell,Trim extended winner -1%,35,-6,BrokerD,MKT,91,None,None,Normal monitoring,19,-43,36,5,false,Within IPS guidelines
P6899,Cautious,Trust,USD,2024-10-19,504146,65542,438604,1.0,42.5,43.2,1.7,12.6,VTI:33.3%;HYG:33.3%;TSLA:33.3%,US:69.9;EU:14.2;APAC:7.4;EM:4.5;Other:4.0,Value:-0.7;Growth:-0.6;Quality:+0.5;Size:+0.5;Momentum:+0.4;LowVol:+0.8,NoMargin,7,35,5.2,trailing 8%,169,16.1,Bull,12.7,3.72,3.4,95,7,40,39,false,Buy,Add to core equity +1%,22,12,BrokerC,LMT,90,None,None,Normal monitoring,-45,-52,-12,4,false,Tighten stops on momentum names
P6900,Cautious,401k,USD,2024-08-04,426956,54900,372056,1.0,47.0,37.4,0.0,15.5,GLD:23.5%;AAPL:22.0%;BND:27.2%;IEF:27.2%,US:57.7;EU:18.6;APAC:8.0;EM:11.1;Other:4.6,Value:-0.3;Growth:+0.6;Quality:-0.7;Size:-0.8;Momentum:+0.5;LowVol:+0.3,ESGOnly;NoMargin,8,35,5.8,hard 10%,103,13.4,Bull,17.0,4.1,3.4,99,24,70,33,false,NoAction,Within bands; monitor,32,-8,BrokerB,MKT,0,None,None,Normal monitoring,120,-14,239,4,false,Increase defensive factor exposure
P6901,Cautious,401k,USD,2024-10-13,860342,74669,785673,1.0,51.6,36.1,0.0,12.4,HYG:21.7%;BRK.B:25.9%;QQQ:15.2%;VNQ:25.9%;AMZN:11.3%,US:65.6;EU:9.0;APAC:10.8;EM:10.8;Other:3.9,Value:-0.3;Growth:-0.9;Quality:+0.1;Size:+1.0;Momentum:+0.6;LowVol:+0.1,MaxPos6%;NoMargin,7,30,3.4,trailing 8%,128,18.3,Volatile,30.5,5.12,2.6,131,-11,43,65,false,Rebalance,Shift +1% to bonds from equity,2,-37,BrokerC,LMT,87,None,None,Normal monitoring,120,1,254,5,false,Tighten stops on momentum names
P6902,Cautious,IRA,USD,2024-09-14,418992,40873,378119,1.0,38.0,33.8,14.0,14.2,BRK.B:17.6%;BND:20.2%;VOO:16.0%;TSLA:19.8%;GLD:6.2%;HYG:20.2%,US:66.8;EU:15.8;APAC:7.5;EM:7.6;Other:2.2,Value:-0.4;Growth:-0.6;Quality:+0.8;Size:+0.8;Momentum:+0.9;LowVol:+0.1,NoMargin,10,35,3.8,hard 10%,151,13.6,Bull,15.1,4.55,3.0,109,55,91,26,false,Buy,Add to core equity +1%,9,8,BrokerC,MKT,99,None,None,Normal monitoring,-15,-8,-32,3,false,Within IPS guidelines
P6903,Cautious,IRA,USD,2025-11-18,411836,51084,360752,1.0,38.4,41.8,7.5,12.2,GLD:35.2%;AMZN:35.2%;BND:29.5%,US:64.9;EU:10.9;APAC:10.4;EM:10.1;Other:3.7,Value:+1.0;Growth:-0.1;Quality:+0.2;Size:-0.2;Momentum:-0.8;LowVol:+0.9,MaxPos5%;NoDerivatives;NoMargin,8,30,3.1,trailing 8%,117,19.4,Bear,23.0,4.35,1.6,152,-8,33,42,false,Sell,Trim extended winner -1%,-1,-3,BrokerC,MKT,90,None,None,Normal monitoring,-27,-11,10,3,false,Within IPS guidelines
P6904,Opportunistic,401k,USD,2025-01-02,641978,25286,616692,1.0,70.9,10.1,14.2,4.8,VNQ:33.8%;XLF:32.4%;MUB:33.8%,US:67.2;EU:8.1;APAC:13.0;EM:10.0;Other:1.7,Value:+0.2;Growth:-0.9;Quality:-0.5;Size:+0.7;Momentum:-0.3;LowVol:+0.3,,6,25,5.6,trailing 9%,215,34.3,Bull,12.6,3.89,2.1,112,62,79,41,false,Sell,Trim extended winner -1%,21,-10,BrokerD,MKT,95,None,None,Normal monitoring,16,0,12,5,false,Monitor dispersion and breadth
P6905,Active,401k,USD,2025-11-16,2271650,238189,2033461,1.0,64.9,27.1,1.3,6.7,GLD:23.5%;VTI:18.6%;TSLA:23.5%;IEF:23.5%;HYG:11.0%,US:75.2;EU:6.5;APAC:6.7;EM:10.9;Other:0.8,Value:+0.5;Growth:+0.9;Quality:+0.5;Size:-0.7;Momentum:-0.8;LowVol:-0.8,,10,30,5.8,hard 12%,193,21.5,Bull,14.8,4.05,2.8,90,28,49,40,false,Rebalance,Shift +1% to bonds from equity,20,-14,BrokerB,VWAP,91,None,None,Normal monitoring,32,-59,108,5,false,Tax-aware sells next window
P6906,Cautious,Roth,USD,2024-09-22,330707,33386,297321,1.0,40.0,40.5,3.0,16.4,MUB:28.1%;BND:15.6%;AMZN:28.1%;QQQ:28.1%,US:79.6;EU:5.1;APAC:9.1;EM:6.1;Other:0.1,Value:-0.6;Growth:-0.1;Quality:-0.1;Size:+0.4;Momentum:-0.7;LowVol:-0.8,ESGOnly;NoDerivatives;NoMargin,7,25,6.0,trailing 8%,94,19.0,Volatile,21.9,4.04,4.1,170,65,81,46,false,NoAction,Within bands; monitor,-3,-32,BrokerB,LMT,85,None,None,Normal monitoring,91,-50,129,3,false,Monitor dispersion and breadth
P6907,Hands-off,401k,USD,2025-11-11,548604,30290,518314,1.0,61.7,27.8,5.4,5.1,VTI:33.3%;VNQ:33.3%;QQQ:33.3%,US:68.8;EU:10.2;APAC:14.9;EM:4.8;Other:1.3,Value:-0.6;Growth:+0.7;Quality:-0.5;Size:+0.6;Momentum:+0.9;LowVol:+0.7,MaxPos8%;NoDerivatives,8,25,4.7,hard 10%,135,14.2,Bull,17.7,4.58,2.1,73,29,62,60,false,Buy,Add to core equity +1%,27,11,BrokerC,LMT,91,None,None,Normal monitoring,93,2,159,4,false,Within IPS guidelines
P6908,Active,IRA,USD,2025-01-25,995671,96636,899035,1.0,52.7,21.1,20.2,5.9,GLD:21.9%;MUB:21.9%;TSLA:17.9%;AAPL:17.8%;VOO:20.5%,US:68.0;EU:9.2;APAC:13.3;EM:5.9;Other:3.5,Value:-0.4;Growth:+0.4;Quality:+0.8;Size:+0.1;Momentum:+0.1;LowVol:+0.1,,5,30,4.7,trailing 8%,180,17.6,Sideways,20.9,4.82,2.3,130,-22,48,57,false,NoAction,Within bands; monitor,25,0,BrokerA,MKT,0,None,None,Normal monitoring,76,-10,190,5,false,Monitor dispersion and breadth
P6909,Hands-off,Taxable,USD,2025-07-25,380308,16163,364145,1.0,69.8,23.5,0.0,6.7,MUB:34.5%;QQQ:34.5%;TLT:31.0%,US:65.4;EU:11.0;APAC:14.1;EM:7.8;Other:1.7,Value:-0.7;Growth:-0.4;Quality:-0.1;Size:0.0;Momentum:+0.9;LowVol:-0.5,,7,35,3.4,trailing 8%,117,17.8,Bull,12.1,4.87,2.3,116,109,100,48,false,Rebalance,Shift +1% to bonds from equity,-4,-39,BrokerA,MKT,100,None,None,Normal monitoring,25,-24,5,5,false,Tax-aware sells next window
P6910,Hands-off,IRA,USD,2025-01-13,881726,82143,799583,1.0,58.7,16.0,19.2,6.1,GLD:23.6%;BRK.B:17.2%;MSFT:15.5%;AAPL:23.6%;TLT:20.0%,US:62.5;EU:16.7;APAC:6.9;EM:10.4;Other:3.5,Value:-0.7;Growth:-0.3;Quality:+1.0;Size:-0.3;Momentum:-0.0;LowVol:+0.3,ESGOnly,8,30,4.0,trailing 8%,103,19.1,Volatile,27.0,3.98,3.2,139,28,65,62,false,NoAction,Within bands; monitor,28,10,BrokerC,LMT,100,None,None,Normal monitoring,-37,-48,-7,5,false,Tax-aware sells next window
P6911,Systematic,IRA,USD,2024-08-01,436247,34679,401568,1.0,65.6,26.5,0.0,7.9,QQQ:21.9%;TSLA:9.5%;AMZN:21.9%;AAPL:10.7%;TLT:17.7%;MSFT:18.5%,US:74.8;EU:11.1;APAC:10.2;EM:3.1;Other:0.8,Value:-0.2;Growth:+0.1;Quality:-0.1;Size:-0.2;Momentum:+0.9;LowVol:+0.7,NoDerivatives,5,30,4.0,trailing 8%,195,27.1,Bull,13.6,4.18,2.7,83,6,38,50,false,Buy,Add to core equity +1%,34,-19,BrokerC,MKT,99,None,None,Normal monitoring,89,6,139,4,false,Tax-aware sells next window
P6912,Cautious,Trust,USD,2025-09-15,323380,37267,286113,1.0,43.5,35.3,9.1,12.1,TSLA:33.3%;HYG:33.3%;QQQ:33.3%,US:66.5;EU:11.6;APAC:8.5;EM:10.7;Other:2.7,Value:-0.6;Growth:-0.6;Quality:-0.6;Size:+0.8;Momentum:-0.2;LowVol:-0.2,NoDerivatives;NoMargin,6,25,5.7,trailing 8%,91,14.6,Bull,16.6,4.28,2.5,102,50,64,37,true,Hedge,Buy index puts 1% notional,12,-34,BrokerD,LMT,94,VAR>budget,Reduce,Risk above budget threshold,-43,-34,36,5,false,Monitor dispersion and breadth
P6913,Systematic,401k,USD,2024-12-11,1921237,181008,1740229,1.0,57.4,35.0,0.2,7.4,AMZN:16.1%;BRK.B:23.2%;HYG:12.0%;VTI:11.0%;MUB:14.6%;AAPL:23.2%,US:67.0;EU:10.4;APAC:8.1;EM:10.2;Other:4.3,Value:-0.0;Growth:-0.8;Quality:0.0;Size:-0.6;Momentum:+0.4;LowVol:+0.2,MaxPos7%,10,35,6.0,trailing 9%,173,23.6,Sideways,18.4,4.91,2.2,124,28,69,43,false,Rebalance,Shift +1% to bonds from equity,20,2,BrokerA,LMT,97,None,None,Normal monitoring,18,-53,78,5,false,Tighten stops on momentum names
P6914,Hands-off,IRA,USD,2025-06-08,165742,9653,156089,1.0,68.9,22.4,2.7,6.0,TLT:29.1%;VTI:29.1%;HYG:12.6%;VOO:29.1%,US:68.1;EU:10.9;APAC:9.5;EM:9.7;Other:1.8,Value:+0.4;Growth:+0.2;Quality:+0.6;Size:-0.6;Momentum:-0.6;LowVol:-0.7,ESGOnly;MaxPos8%,6,30,5.1,hard 10%,102,12.1,Bear,26.6,3.58,1.8,204,35,79,84,true,Reduce,"Cut high-beta by 2-3%, add cash",17,-30,BrokerC,LMT,88,Drift>tolerance,Pause,Allocation drift beyond policy bands,-50,-18,-48,5,false,Monitor dispersion and breadth
P6915,Cautious,Taxable,USD,2025-06-07,659244,57771,601473,1.0,48.5,38.2,0.0,13.3,TSLA:11.8%;QQQ:22.2%;VNQ:22.2%;VOO:21.6%;BND:22.2%,US:58.9;EU:22.5;APAC:6.8;EM:8.5;Other:3.3,Value:+0.4;Growth:+0.3;Quality:+0.5;Size:0.0;Momentum:-0.4;LowVol:+0.6,ESGOnly;MaxPos5%;NoMargin,10,35,4.0,trailing 8%,158,17.4,Volatile,25.5,4.36,4.3,116,-49,11,55,false,Rebalance,Shift +1% to bonds from equity,-12,-3,BrokerA,MKT,88,None,None,Normal monitoring,80,-6,189,3,false,Increase defensive factor exposure
P6916,Opportunistic,Trust,USD,2024-12-30,1101349,51420,1049929,1.0,61.7,21.0,9.5,7.8,TLT:28.6%;BRK.B:21.4%;HYG:28.6%;BND:21.4%,US:74.7;EU:11.9;APAC:6.6;EM:4.2;Other:2.6,Value:+0.2;Growth:+0.1;Quality:+0.8;Size:-0.9;Momentum:-0.4;LowVol:+0.3,MaxPos8%;NoDerivatives,10,35,6.1,trailing 7%,203,34.8,Volatile,29.5,3.71,2.2,132,14,58,85,true,Reduce,"Cut high-beta by 2-3%, add cash",-6,-18,BrokerB,VWAP,98,VAR>budget,Reduce,Risk above budget threshold,-60,-33,64,3,false,Within IPS guidelines
P6917,Hands-off,Trust,USD,2025-01-29,717114,63086,654028,1.0,64.3,26.1,1.8,7.9,MUB:13.7%;XLF:19.9%;GLD:20.2%;VTI:17.1%;BND:20.2%;HYG:8.9%,US:59.2;EU:16.4;APAC:8.9;EM:12.2;Other:3.4,Value:+0.5;Growth:+0.4;Quality:+0.7;Size:+0.7;Momentum:+0.5;LowVol:-0.3,MaxPos6%;NoDerivatives,8,35,3.3,trailing 10%,90,12.6,Bull,12.8,3.99,3.5,88,26,73,47,false,Sell,Trim extended winner -1%,22,-30,BrokerB,LMT,99,None,None,Normal monitoring,-26,-18,-21,5,false,Within IPS guidelines
P6918,Opportunistic,Trust,USD,2025-06-16,375296,29221,346075,1.0,73.0,21.2,0.0,5.8,AMZN:10.2%;MUB:22.6%;VNQ:22.6%;TSLA:22.6%;GLD:22.1%,US:60.4;EU:21.1;APAC:5.7;EM:11.9;Other:0.9,Value:-0.6;Growth:-0.1;Quality:-0.8;Size:-0.2;Momentum:-0.4;LowVol:+0.8,NoDerivatives,5,25,4.1,trailing 7%,263,24.9,Sideways,18.0,3.83,3.2,135,-30,36,62,false,Buy,Add to core equity +1%,16,9,BrokerB,MKT,92,None,None,Normal monitoring,63,-23,48,4,false,Within IPS guidelines
P6919,Cautious,Trust,USD,2024-07-17,206447,27749,178698,1.0,45.4,40.2,0.0,14.4,QQQ:36.2%;VTI:36.2%;BRK.B:27.7%,US:59.7;EU:14.3;APAC:15.7;EM:4.8;Other:5.4,Value:-0.0;Growth:-0.3;Quality:-0.3;Size:+0.1;Momentum:-0.3;LowVol:-0.0,ESGOnly;MaxPos7%;NoDerivatives;NoMargin,6,25,4.7,hard 10%,100,15.6,Bull,12.8,4.88,2.8,119,42,76,39,false,Buy,Add to core equity +1%,-1,-24,BrokerC,LMT,98,None,None,Normal monitoring,111,-58,216,5,false,Monitor dispersion and breadth
P6920,Hands-off,401k,USD,2025-11-20,202172,12904,189268,1.0,69.5,25.1,0.0,5.4,GLD:22.0%;MSFT:18.4%;VOO:29.8%;BRK.B:29.8%,US:73.3;EU:7.1;APAC:12.9;EM:3.6;Other:3.2,Value:-0.6;Growth:-0.5;Quality:+0.3;Size:-0.7;Momentum:-0.6;LowVol:+0.8,ESGOnly;MaxPos7%,7,30,4.3,trailing 8%,152,16.3,Sideways,14.6,4.3,3.2,131,22,66,46,false,Sell,Trim extended winner -1%,-5,-15,BrokerA,MKT,98,None,None,Normal monitoring,-9,-53,-37,4,false,Monitor dispersion and breadth
P6921,Active,401k,USD,2025-03-05,882023,87099,794924,1.0,54.2,25.9,10.1,9.9,AMZN:18.2%;MUB:10.2%;XLF:22.5%;TSLA:18.6%;IEF:7.9%;HYG:22.5%,US:72.9;EU:11.0;APAC:11.1;EM:4.8;Other:0.2,Value:-0.2;Growth:+0.5;Quality:+0.5;Size:-0.1;Momentum:-0.5;LowVol:+0.9,,5,30,4.0,hard 12%,170,26.5,Sideways,17.5,4.89,3.4,131,6,42,38,false,Sell,Trim extended winner -1%,22,-10,BrokerB,MKT,87,None,None,Normal monitoring,-58,14,32,3,false,Tax-aware sells next window
P6922,Cautious,IRA,USD,2025-09-16,553727,84823,468904,1.0,39.8,34.8,13.6,11.8,QQQ:21.2%;BRK.B:29.7%;TSLA:19.4%;XLF:29.7%,US:68.5;EU:10.2;APAC:11.8;EM:7.1;Other:2.4,Value:-0.7;Growth:+0.8;Quality:+0.6;Size:-0.5;Momentum:-0.4;LowVol:-0.8,NoMargin,6,25,3.5,hard 10%,164,14.2,Bear,23.1,3.71,2.8,136,36,79,49,false,Buy,Add to core equity +1%,8,-16,BrokerB,LMT,89,None,None,Normal monitoring,20,-39,72,4,false,Monitor dispersion and breadth
P6923,Systematic,401k,USD,2025-01-27,1285220,71109,1214111,1.0,59.2,31.3,2.5,6.9,VOO:33.3%;TLT:33.3%;MSFT:33.3%,US:70.6;EU:5.6;APAC:11.5;EM:8.4;Other:3.9,Value:-0.0;Growth:-0.7;Quality:-0.5;Size:+0.1;Momentum:-0.0;LowVol:+0.2,MaxPos6%,10,30,5.6,trailing 9%,199,27.2,Volatile,30.0,5.41,4.2,180,-49,28,66,false,Rebalance,Shift +1% to bonds from equity,34,-37,BrokerD,MKT,96,None,None,Normal monitoring,-52,-9,-86,3,false,Within IPS guidelines
P6924,Cautious,Trust,USD,2025-08-04,282143,33176,248967,1.0,52.0,35.0,2.0,11.0,QQQ:35.8%;IEF:28.3%;TLT:35.8%,US:71.8;EU:10.9;APAC:11.0;EM:4.0;Other:2.4,Value:+0.5;Growth:-0.3;Quality:+0.2;Size:-1.0;Momentum:+0.2;LowVol:-0.4,MaxPos6%;NoMargin,8,25,3.3,trailing 10%,157,16.0,Volatile,20.2,4.25,2.1,118,29,69,53,false,Rebalance,Shift +1% to bonds from equity,-8,-10,BrokerC,MKT,87,None,None,Normal monitoring,-27,-39,-49,3,false,Within IPS guidelines
P6925,Active,Trust,USD,2025-08-15,1564077,95825,1468252,1.13,53.2,31.2,5.8,9.8,AAPL:32.1%;VTI:33.9%;VNQ:33.9%,US:67.4;EU:16.3;APAC:8.1;EM:5.8;Other:2.4,Value:-0.4;Growth:-0.5;Quality:-1.0;Size:+0.8;Momentum:-0.5;LowVol:+0.6,MaxPos6%,8,30,4.7,trailing 8%,176,19.6,Bull,15.2,4.62,3.4,89,90,90,39,false,NoAction,Within bands; monitor,7,6,BrokerB,LMT,86,None,None,Normal monitoring,-43,-60,44,5,false,Within IPS guidelines
P6926,Active,Trust,USD,2025-11-21,2198809,256054,1942755,1.0,57.8,29.0,5.5,7.8,GLD:28.3%;BRK.B:28.3%;AAPL:21.7%;VNQ:21.8%,US:63.4;EU:14.7;APAC:12.6;EM:7.8;Other:1.5,Value:+0.5;Growth:-0.5;Quality:+0.6;Size:-0.8;Momentum:+0.4;LowVol:+0.4,,6,30,5.7,trailing 9%,127,17.3,Volatile,25.0,4.24,4.5,114,-58,27,73,true,Reduce,"Cut high-beta by 2-3%, add cash",-2,-18,BrokerC,VWAP,87,Drift>tolerance,Hedge,Allocation drift beyond policy bands,77,-4,138,2,false,Increase defensive factor exposure
P6927,Active,401k,USD,2025-01-08,1688851,144577,1544274,1.0,50.3,31.7,11.7,6.2,BND:33.3%;AAPL:33.3%;HYG:33.3%,US:67.8;EU:9.0;APAC:13.9;EM:6.7;Other:2.6,Value:+0.2;Growth:-0.5;Quality:-0.2;Size:+0.1;Momentum:-0.5;LowVol:-0.9,,5,30,4.8,trailing 8%,190,23.0,Bull,11.8,4.77,2.3,95,112,96,38,false,Buy,Add to core equity +1%,-1,-29,BrokerB,VWAP,96,None,None,Normal monitoring,116,-40,190,3,false,Tax-aware sells next window
P6928,Active,Taxable,USD,2025-12-23,726199,61384,664815,1.19,60.9,29.6,0.0,9.5,AMZN:26.7%;MSFT:19.7%;VTI:26.8%;MUB:26.8%,US:59.2;EU:14.3;APAC:14.8;EM:6.1;Other:5.6,Value:+0.3;Growth:+0.1;Quality:+0.2;Size:+0.1;Momentum:+0.1;LowVol:+0.6,MaxPos7%,6,25,4.6,hard 12%,153,20.9,Bull,13.6,3.81,2.1,78,83,97,50,false,Hedge,Add TLT +1% as duration hedge,0,1,BrokerC,LMT,92,None,None,Normal monitoring,100,20,193,4,false,Increase defensive factor exposure
P6929,Systematic,401k,USD,2025-11-23,567336,37029,530307,1.0,63.0,28.8,0.0,8.3,TLT:11.1%;VNQ:20.5%;MUB:21.9%;HYG:15.0%;IEF:9.6%;QQQ:21.9%,US:65.2;EU:15.3;APAC:5.6;EM:11.0;Other:2.9,Value:-0.7;Growth:-0.5;Quality:-0.8;Size:-0.9;Momentum:+0.5;LowVol:-0.4,NoDerivatives,10,35,4.0,trailing 9%,150,21.8,Volatile,29.8,4.2,2.2,118,15,50,80,true,Hedge,Buy index puts 1% notional,-5,-26,BrokerC,MKT,99,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-40,15,-76,2,false,Increase defensive factor exposure
P6930,Opportunistic,401k,USD,2024-11-04,443568,30577,412991,1.0,72.3,19.4,0.0,8.3,XLF:16.3%;AMZN:19.6%;BRK.B:11.8%;BND:20.4%;MUB:11.1%;AAPL:20.8%,US:63.5;EU:21.2;APAC:8.1;EM:6.3;Other:0.9,Value:-0.0;Growth:-0.7;Quality:-0.2;Size:+0.9;Momentum:+0.2;LowVol:+0.8,NoDerivatives,7,25,5.8,trailing 7%,259,25.9,Bull,15.2,4.48,2.4,82,89,84,56,false,Sell,Trim extended winner -1%,17,6,BrokerA,LMT,89,None,None,Normal monitoring,92,17,175,3,false,Within IPS guidelines
P6931,Active,Taxable,USD,2025-01-28,2256887,269342,1987545,1.0,58.1,23.1,12.9,5.9,TLT:33.3%;MUB:33.3%;AAPL:33.3%,US:68.3;EU:12.6;APAC:6.8;EM:10.2;Other:2.0,Value:+0.8;Growth:+0.7;Quality:+0.7;Size:+0.4;Momentum:0.0;LowVol:+0.7,NoDerivatives,6,35,5.4,trailing 8%,173,17.1,Sideways,17.3,4.4,2.7,105,11,42,39,false,Buy,Add to core equity +1%,24,-31,BrokerC,MKT,97,None,None,Normal monitoring,80,-50,134,3,false,Monitor dispersion and breadth
P6932,Cautious,401k,USD,2025-09-23,702604,111794,590810,1.0,40.6,34.2,10.9,14.2,BND:21.7%;QQQ:20.3%;VTI:14.5%;HYG:21.7%;AAPL:21.7%,US:61.6;EU:13.9;APAC:12.9;EM:10.0;Other:1.6,Value:-0.2;Growth:-0.6;Quality:-0.7;Size:-0.1;Momentum:-1.0;LowVol:-0.0,ESGOnly;NoMargin,8,25,4.4,trailing 8%,123,14.3,Bear,28.9,4.02,1.4,216,-29,50,62,false,Rebalance,Shift +1% to bonds from equity,15,-27,BrokerD,MKT,85,None,None,Normal monitoring,83,-36,144,5,false,Tax-aware sells next window
P6933,Hands-off,Roth,USD,2024-10-07,210542,17394,193148,1.0,63.9,20.0,6.6,9.6,TSLA:19.3%;AMZN:21.6%;VNQ:21.6%;AAPL:15.7%;IEF:21.6%,US:61.5;EU:12.2;APAC:9.5;EM:12.7;Other:4.2,Value:-0.3;Growth:+0.4;Quality:+0.1;Size:+1.0;Momentum:-0.4;LowVol:+0.5,MaxPos5%;NoDerivatives,7,30,4.0,trailing 10%,128,12.4,Bull,17.8,4.3,3.4,71,79,76,43,false,Rebalance,Shift +1% to bonds from equity,21,-21,BrokerC,LMT,95,None,None,Normal monitoring,-26,-40,38,5,false,Tighten stops on momentum names
P6934,Active,Taxable,USD,2025-06-28,1200992,131487,1069505,1.0,60.9,22.8,9.8,6.5,TSLA:25.0%;HYG:25.0%;BND:25.0%;TLT:25.0%,US:63.9;EU:7.5;APAC:15.7;EM:11.8;Other:1.2,Value:+0.2;Growth:-0.2;Quality:+0.5;Size:+0.8;Momentum:-0.6;LowVol:+0.9,NoDerivatives,7,25,4.8,trailing 8%,229,16.8,Volatile,29.9,3.75,3.1,166,11,60,77,true,Hedge,Buy index puts 1% notional,25,15,BrokerA,LMT,87,VAR>budget,Reduce,Risk above budget threshold,48,-25,15,2,true,Increase defensive factor exposure
P6935,Cautious,IRA,USD,2024-12-18,231015,30218,200797,1.0,40.3,40.5,4.4,14.8,VOO:21.2%;BND:10.9%;AAPL:23.3%;BRK.B:21.4%;VNQ:23.3%,US:57.1;EU:17.6;APAC:14.2;EM:10.0;Other:1.1,Value:-0.9;Growth:0.0;Quality:-0.8;Size:-0.6;Momentum:-0.1;LowVol:+0.2,ESGOnly;NoMargin,7,25,3.0,trailing 10%,147,12.6,Bull,16.1,4.86,2.2,115,14,45,33,false,Buy,Add to core equity +1%,18,-35,BrokerB,VWAP,94,None,None,Normal monitoring,-43,0,83,5,false,Tighten stops on momentum names
P6936,Hands-off,Taxable,USD,2025-08-10,712288,59515,652773,1.0,62.5,20.4,10.3,6.7,IEF:10.2%;TSLA:24.0%;VTI:22.4%;HYG:24.0%;GLD:19.4%,US:57.2;EU:18.2;APAC:14.3;EM:8.7;Other:1.6,Value:+0.6;Growth:-0.5;Quality:+0.3;Size:-0.1;Momentum:+0.9;LowVol:-0.2,ESGOnly,10,25,3.7,trailing 10%,93,19.1,Sideways,15.2,4.85,3.3,115,-14,57,39,false,Rebalance,Shift +1% to bonds from equity,16,-31,BrokerD,MKT,95,None,None,Normal monitoring,52,-37,85,4,false,Within IPS guidelines
P6937,Hands-off,Trust,USD,2025-08-07,709859,57316,652543,1.0,59.1,17.8,13.4,9.7,AMZN:33.3%;MSFT:33.3%;GLD:33.3%,US:75.4;EU:8.1;APAC:6.2;EM:6.7;Other:3.5,Value:+0.8;Growth:-0.9;Quality:+0.4;Size:-0.7;Momentum:+0.4;LowVol:-1.0,ESGOnly,5,25,5.3,hard 10%,168,14.6,Volatile,30.1,4.63,3.6,157,42,77,67,false,Rebalance,Shift +1% to bonds from equity,11,-3,BrokerA,LMT,87,None,None,Normal monitoring,8,12,46,5,false,Tax-aware sells next window
P6938,Cautious,401k,USD,2024-11-22,326301,43301,283000,1.0,36.3,42.7,10.6,10.4,TSLA:16.8%;AAPL:27.7%;AMZN:27.7%;MUB:27.7%,US:75.9;EU:9.8;APAC:8.3;EM:6.0;Other:0.1,Value:-0.3;Growth:+0.6;Quality:+0.3;Size:-0.4;Momentum:-0.5;LowVol:+0.4,NoMargin,10,35,3.1,trailing 10%,120,15.6,Bull,15.2,3.95,3.1,103,13,59,38,false,Buy,Add to core equity +1%,1,7,BrokerD,MKT,85,None,None,Normal monitoring,87,-48,50,4,false,Monitor dispersion and breadth
P6939,Hands-off,IRA,USD,2025-08-23,638262,46227,592035,1.0,55.3,18.1,19.1,7.4,VNQ:26.2%;GLD:26.2%;BND:21.4%;MUB:26.2%,US:61.5;EU:13.7;APAC:10.6;EM:11.6;Other:2.6,Value:+1.0;Growth:-0.8;Quality:+0.7;Size:+0.9;Momentum:+0.5;LowVol:+0.5,ESGOnly,8,35,5.5,trailing 10%,139,18.7,Bull,16.3,4.87,3.4,84,85,84,40,true,Rebalance,Rebalance back to target bands,-7,-2,BrokerB,VWAP,87,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-32,-2,-54,2,false,Increase defensive factor exposure
P6940,Hands-off,Taxable,USD,2025-06-23,876924,53369,823555,1.0,64.9,26.2,3.2,5.7,AMZN:33.3%;XLF:33.3%;QQQ:33.3%,US:70.7;EU:9.4;APAC:11.2;EM:8.3;Other:0.5,Value:-0.1;Growth:-0.9;Quality:-0.8;Size:-0.3;Momentum:+0.1;LowVol:-0.9,ESGOnly,6,35,3.0,trailing 10%,110,15.7,Bull,14.0,3.54,2.3,70,19,51,42,true,Reduce,"Cut high-beta by 2-3%, add cash",-12,-40,BrokerD,MKT,97,VAR>budget,Hedge,Risk above budget threshold,-18,-25,53,4,false,Tax-aware sells next window
P6941,Opportunistic,Roth,USD,2025-11-27,1272341,94234,1178107,1.0,69.2,21.5,1.0,8.3,XLF:13.7%;QQQ:24.5%;AAPL:17.7%;MUB:24.5%;AMZN:19.4%,US:60.4;EU:14.9;APAC:11.0;EM:9.0;Other:4.7,Value:+0.6;Growth:-0.3;Quality:-0.2;Size:-0.9;Momentum:-0.2;LowVol:+0.3,,7,25,6.6,trailing 9%,243,27.5,Bull,11.4,4.42,2.8,110,79,99,37,false,Sell,Trim extended winner -1%,-6,15,BrokerB,MKT,100,None,None,Normal monitoring,114,8,227,3,false,Monitor dispersion and breadth
P6942,Cautious,Roth,USD,2025-06-07,757142,102027,655115,1.0,49.1,34.8,0.0,16.1,GLD:33.3%;AAPL:33.3%;XLF:33.3%,US:62.3;EU:8.2;APAC:10.9;EM:12.8;Other:5.8,Value:-0.5;Growth:+0.7;Quality:-1.0;Size:-0.7;Momentum:+0.8;LowVol:+0.3,MaxPos6%;NoDerivatives;NoMargin,8,35,4.1,trailing 8%,152,17.9,Volatile,22.1,4.52,2.8,158,47,63,58,false,Rebalance,Shift +1% to bonds from equity,-7,-13,BrokerA,LMT,100,None,None,Normal monitoring,-23,4,28,3,false,Increase defensive factor exposure
P6943,Cautious,401k,USD,2025-08-28,654808,61780,593028,1.0,39.4,43.5,1.8,15.2,VOO:25.9%;HYG:24.8%;TSLA:25.9%;MUB:11.9%;AMZN:11.6%,US:67.4;EU:10.5;APAC:8.9;EM:10.1;Other:3.2,Value:-0.1;Growth:-0.4;Quality:+1.0;Size:-0.4;Momentum:-0.4;LowVol:+0.9,ESGOnly;NoMargin,6,25,4.9,trailing 8%,90,16.0,Bull,12.7,3.6,2.7,91,81,77,28,true,Hedge,Buy index puts 1% notional,34,13,BrokerD,VWAP,85,VAR>budget,Reduce,Risk above budget threshold,97,-54,134,2,false,Tax-aware sells next window
P6944,Hands-off,401k,USD,2025-07-12,694693,67934,626759,1.0,72.6,18.8,0.0,8.6,BND:33.3%;BRK.B:33.3%;MUB:33.3%,US:69.0;EU:12.2;APAC:10.0;EM:6.1;Other:2.6,Value:+0.1;Growth:+0.5;Quality:+0.8;Size:-0.3;Momentum:-0.3;LowVol:-0.7,ESGOnly;MaxPos8%,5,30,3.7,trailing 8%,128,15.0,Volatile,22.3,5.3,2.4,160,1,36,68,false,Rebalance,Shift +1% to bonds from equity,24,11,BrokerC,VWAP,94,None,None,Normal monitoring,3,-5,24,3,false,Tighten stops on momentum names
P6945,Hands-off,Trust,USD,2025-03-12,342721,27226,315495,1.0,58.1,16.7,19.1,6.1,MUB:17.5%;IEF:14.6%;BND:17.4%;HYG:20.4%;MSFT:10.5%;AMZN:19.7%,US:73.5;EU:13.4;APAC:5.5;EM:5.7;Other:1.9,Value:+0.2;Growth:+0.9;Quality:-0.9;Size:+0.3;Momentum:-0.3;LowVol:+0.8,NoDerivatives,10,30,4.8,trailing 8%,133,15.0,Volatile,25.5,4.0,4.0,145,-30,27,68,false,Rebalance,Shift +1% to bonds from equity,15,-5,BrokerD,MKT,93,None,None,Normal monitoring,112,-7,181,4,false,Tax-aware sells next window
P6946,Opportunistic,Roth,USD,2024-12-22,1605043,87277,1517766,1.15,73.5,19.3,2.1,5.1,TLT:21.3%;GLD:16.0%;AMZN:21.3%;VNQ:20.5%;MSFT:21.0%,US:63.6;EU:15.5;APAC:12.7;EM:5.9;Other:2.3,Value:+0.5;Growth:+0.9;Quality:-0.7;Size:+0.7;Momentum:+0.4;LowVol:+0.9,,10,25,6.5,hard 12%,206,25.1,Bull,11.7,3.78,2.4,97,12,58,47,false,Buy,Add to core equity +1%,20,9,BrokerC,MKT,92,None,None,Normal monitoring,-2,-34,-37,3,false,Tighten stops on momentum names
P6947,Cautious,401k,USD,2025-05-05,681106,64299,616807,1.0,36.2,41.7,6.3,15.9,TLT:31.7%;AMZN:34.1%;VTI:34.1%,US:75.9;EU:6.2;APAC:8.4;EM:8.7;Other:0.7,Value:-0.1;Growth:-0.2;Quality:-0.5;Size:+0.8;Momentum:+0.3;LowVol:+0.8,MaxPos6%;NoDerivatives;NoMargin,10,35,5.0,trailing 8%,149,17.3,Sideways,20.9,4.35,2.7,106,13,47,42,false,Buy,Add to core equity +1%,32,10,BrokerD,VWAP,92,None,None,Normal monitoring,-29,-6,49,5,false,Tax-aware sells next window
P6948,Hands-off,Roth,USD,2025-09-16,311921,16772,295149,1.0,58.2,18.1,14.4,9.2,AMZN:33.3%;MSFT:33.3%;VTI:33.3%,US:65.6;EU:12.7;APAC:10.8;EM:7.5;Other:3.3,Value:+0.5;Growth:-0.6;Quality:+0.3;Size:-0.6;Momentum:-0.1;LowVol:-0.9,ESGOnly,8,35,3.8,trailing 8%,148,15.9,Bull,16.3,3.6,3.0,104,50,70,45,true,Reduce,"Cut high-beta by 2-3%, add cash",0,-11,BrokerB,MKT,85,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-27,5,27,4,false,Tax-aware sells next window
P6949,Hands-off,Taxable,USD,2025-11-03,356413,20713,335700,1.0,56.9,27.9,6.1,9.1,BND:27.7%;IEF:36.2%;AAPL:36.2%,US:72.8;EU:14.0;APAC:6.4;EM:3.8;Other:3.0,Value:-0.2;Growth:+0.1;Quality:+0.9;Size:-0.1;Momentum:+0.6;LowVol:-0.7,ESGOnly,5,35,3.4,trailing 8%,123,15.9,Bull,13.2,4.55,2.4,87,13,71,42,false,Rebalance,Shift +1% to bonds from equity,30,-4,BrokerA,LMT,97,None,None,Normal monitoring,52,-20,55,4,false,Within IPS guidelines
P6950,Systematic,401k,USD,2024-11-21,995802,44574,951228,1.0,67.8,22.8,0.0,9.4,BRK.B:24.1%;VOO:15.4%;BND:24.4%;TLT:11.7%;GLD:24.4%,US:63.6;EU:12.9;APAC:11.9;EM:10.1;Other:1.6,Value:-0.1;Growth:-0.1;Quality:-0.9;Size:+0.3;Momentum:+0.7;LowVol:+0.7,MaxPos7%,6,30,4.6,hard 12%,178,18.5,Bull,16.4,3.51,3.5,88,34,52,60,false,Buy,Add to core equity +1%,1,7,BrokerB,LMT,100,None,None,Normal monitoring,79,12,54,4,false,Tighten stops on momentum names
P6951,Cautious,Taxable,USD,2025-12-05,259931,29614,230317,1.0,35.3,44.5,3.9,16.3,VNQ:18.8%;AAPL:22.3%;IEF:22.3%;VOO:21.1%;VTI:15.6%,US:72.7;EU:14.2;APAC:5.6;EM:3.4;Other:4.2,Value:+0.9;Growth:+0.8;Quality:-0.1;Size:+0.5;Momentum:-0.9;LowVol:-0.0,ESGOnly;NoMargin,8,25,3.3,trailing 10%,152,13.1,Sideways,20.4,4.24,2.1,104,-2,47,37,false,Rebalance,Shift +1% to bonds from equity,24,10,BrokerC,VWAP,96,None,None,Normal monitoring,105,-24,221,5,false,Within IPS guidelines
P6952,Systematic,Roth,USD,2025-10-05,1383399,137261,1246138,1.0,63.2,20.8,7.8,8.2,AMZN:15.0%;MSFT:7.8%;QQQ:17.0%;VTI:21.0%;IEF:18.3%;GLD:21.0%,US:63.0;EU:12.2;APAC:11.2;EM:10.8;Other:2.8,Value:-0.4;Growth:+0.7;Quality:-0.1;Size:-1.0;Momentum:+0.5;LowVol:0.0,MaxPos6%;NoDerivatives,8,25,4.8,trailing 8%,130,20.5,Volatile,25.9,3.55,2.2,175,36,60,72,true,Reduce,"Cut high-beta by 2-3%, add cash",28,2,BrokerA,LMT,95,RegimeShift,Reduce,Volatility spike and breadth deterioration,-41,-23,59,4,false,Tax-aware sells next window
P6953,Hands-off,Taxable,USD,2024-11-24,615934,57953,557981,1.0,56.4,24.4,11.2,7.9,GLD:33.3%;BRK.B:33.3%;VTI:33.3%,US:67.3;EU:8.6;APAC:11.2;EM:9.8;Other:3.2,Value:+0.1;Growth:-0.4;Quality:+0.5;Size:-0.1;Momentum:-0.5;LowVol:+0.4,MaxPos8%;NoDerivatives,6,30,3.3,trailing 8%,147,16.8,Volatile,27.1,4.44,2.4,156,-41,38,59,false,Sell,Trim extended winner -1%,16,-38,BrokerB,MKT,92,None,None,Normal monitoring,77,-10,118,5,false,Increase defensive factor exposure
P6954,Opportunistic,IRA,USD,2024-12-02,1313848,105942,1207906,1.0,63.4,15.5,15.0,6.2,AAPL:20.1%;XLF:18.8%;GLD:21.9%;VNQ:17.3%;HYG:21.9%,US:61.1;EU:14.4;APAC:10.1;EM:11.5;Other:2.9,Value:+0.5;Growth:-0.8;Quality:+0.6;Size:+0.5;Momentum:-0.6;LowVol:+0.2,MaxPos8%,5,25,5.3,trailing 9%,249,23.2,Sideways,17.5,3.98,2.3,104,-20,54,44,false,Sell,Trim extended winner -1%,23,13,BrokerD,MKT,85,None,None,Normal monitoring,55,13,154,4,false,Tighten stops on momentum names
P6955,Opportunistic,Roth,USD,2024-07-17,1350088,41063,1309025,1.0,62.6,16.8,15.5,5.0,AMZN:27.7%;MUB:17.0%;VTI:27.7%;BRK.B:27.7%,US:61.0;EU:13.7;APAC:14.3;EM:8.5;Other:2.4,Value:-0.8;Growth:-0.8;Quality:+0.8;Size:-0.9;Momentum:+0.3;LowVol:+0.5,,6,35,6.8,hard 12%,251,27.2,Volatile,23.1,4.39,2.8,142,-36,27,54,false,Buy,Add to core equity +1%,18,-39,BrokerA,MKT,95,None,None,Normal monitoring,79,-34,89,3,false,Tax-aware sells next window
P6956,Hands-off,Roth,USD,2025-03-02,392026,18325,373701,1.0,65.8,23.3,5.4,5.5,XLF:33.3%;TSLA:33.3%;IEF:33.3%,US:65.1;EU:15.8;APAC:10.5;EM:5.6;Other:3.0,Value:+0.7;Growth:+0.3;Quality:+0.9;Size:-0.2;Momentum:-0.6;LowVol:+0.4,ESGOnly,6,25,4.1,trailing 8%,149,17.1,Bull,15.1,4.44,3.2,83,36,78,55,false,Rebalance,Shift +1% to bonds from equity,26,-17,BrokerD,LMT,85,None,None,Normal monitoring,-43,-20,31,3,false,Tighten stops on momentum names
P6957,Active,Taxable,USD,2025-10-20,1584414,135584,1448830,1.0,62.5,29.5,0.0,7.9,GLD:15.5%;TLT:13.7%;XLF:19.5%;VTI:18.6%;VOO:20.0%;HYG:12.6%,US:64.6;EU:7.9;APAC:9.3;EM:12.6;Other:5.6,Value:-0.2;Growth:+0.4;Quality:0.0;Size:-0.2;Momentum:+0.7;LowVol:+0.3,,5,25,5.9,trailing 9%,170,24.6,Volatile,23.0,4.74,4.3,165,30,58,73,true,Hedge,Buy index puts 1% notional,12,14,BrokerA,LMT,99,VAR>budget,Hedge,Risk above budget threshold,40,-29,148,2,false,Tighten stops on momentum names
P6958,Systematic,Taxable,USD,2025-05-12,764344,73025,691319,1.0,63.6,22.0,9.3,5.1,AAPL:9.1%;BND:14.0%;GLD:20.5%;VTI:19.2%;MSFT:17.2%;VOO:19.9%,US:68.4;EU:12.8;APAC:9.5;EM:4.1;Other:5.2,Value:+0.4;Growth:+0.6;Quality:+0.6;Size:+1.0;Momentum:+0.5;LowVol:+0.2,MaxPos7%,6,35,4.6,trailing 9%,155,17.3,Sideways,16.2,3.88,3.1,100,6,59,53,false,Sell,Trim extended winner -1%,20,-10,BrokerB,VWAP,97,None,None,Normal monitoring,55,0,195,4,false,Within IPS guidelines
P6959,Systematic,Roth,USD,2025-03-05,795186,37148,758038,1.0,60.6,31.5,0.0,7.9,GLD:28.0%;XLF:26.5%;AAPL:28.0%;VTI:17.6%,US:71.7;EU:11.3;APAC:10.1;EM:6.7;Other:0.2,Value:-0.9;Growth:+0.9;Quality:-0.1;Size:+0.3;Momentum:+0.6;LowVol:0.0,,5,35,5.1,trailing 8%,124,26.8,Bull,14.5,4.3,2.6,120,92,87,49,false,Rebalance,Shift +1% to bonds from equity,13,-22,BrokerA,MKT,89,None,None,Normal monitoring,28,13,-7,5,false,Increase defensive factor exposure
P6960,Hands-off,Taxable,USD,2025-08-06,820388,79977,740411,1.0,56.8,28.0,7.7,7.5,VOO:33.3%;BND:33.3%;BRK.B:33.3%,US:69.9;EU:7.8;APAC:11.5;EM:6.7;Other:4.1,Value:+0.2;Growth:-0.7;Quality:+0.5;Size:-0.8;Momentum:+0.7;LowVol:-0.8,MaxPos7%,6,25,3.2,trailing 8%,98,13.0,Volatile,25.7,3.97,4.1,125,-42,40,73,true,Reduce,"Cut high-beta by 2-3%, add cash",20,-13,BrokerA,MKT,97,RegimeShift,Hedge,Volatility spike and breadth deterioration,12,14,28,4,false,Tighten stops on momentum names
P6961,Active,Trust,USD,2025-12-02,1669209,124624,1544585,1.0,63.0,27.6,0.0,9.4,VNQ:27.2%;GLD:19.2%;VTI:27.2%;VOO:26.3%,US:61.4;EU:18.9;APAC:10.8;EM:5.2;Other:3.9,Value:+0.5;Growth:+0.2;Quality:+0.6;Size:-0.9;Momentum:-0.4;LowVol:+1.0,NoDerivatives,6,35,4.4,trailing 9%,161,27.3,Bear,31.2,4.23,1.6,193,-55,21,79,true,Reduce,"Cut high-beta by 2-3%, add cash",15,-3,BrokerA,VWAP,87,RegimeShift,Reduce,Volatility spike and breadth deterioration,-42,-58,7,2,false,Tighten stops on momentum names
P6962,Systematic,Taxable,USD,2025-06-25,421016,22732,398284,1.0,60.8,29.9,3.2,6.1,BRK.B:33.3%;BND:33.3%;IEF:33.3%,US:63.9;EU:12.1;APAC:11.7;EM:10.3;Other:2.0,Value:-0.3;Growth:-0.3;Quality:-0.5;Size:-0.1;Momentum:-0.1;LowVol:-0.9,NoDerivatives,5,25,5.2,hard 12%,176,18.9,Bull,16.9,4.07,3.3,100,95,84,55,false,Rebalance,Shift +1% to bonds from equity,7,-33,BrokerC,MKT,87,None,None,Normal monitoring,15,-33,51,5,false,Tighten stops on momentum names
P6963,Cautious,Trust,USD,2025-12-19,219033,18455,200578,1.0,47.1,32.1,10.7,10.1,BND:26.0%;AMZN:21.9%;AAPL:26.0%;TSLA:26.0%,US:67.1;EU:15.4;APAC:9.1;EM:8.2;Other:0.2,Value:-0.3;Growth:+1.0;Quality:-0.8;Size:-0.3;Momentum:-0.2;LowVol:+0.9,MaxPos5%;NoMargin,10,30,5.9,trailing 8%,102,17.8,Sideways,18.6,3.74,3.0,94,40,64,45,true,Hedge,Buy index puts 1% notional,-3,3,BrokerA,MKT,97,RegimeShift,Pause,Volatility spike and breadth deterioration,107,-38,121,2,false,Tighten stops on momentum names
P6964,Opportunistic,Trust,USD,2024-11-13,1004030,31000,973030,1.0,61.9,22.0,9.7,6.5,VOO:18.1%;MUB:27.3%;BND:27.3%;GLD:27.3%,US:61.1;EU:9.8;APAC:12.6;EM:13.3;Other:3.2,Value:-0.4;Growth:+0.3;Quality:+0.9;Size:-0.2;Momentum:+0.8;LowVol:-0.5,,8,30,4.8,trailing 9%,254,25.6,Volatile,28.5,3.59,3.5,119,8,69,74,true,Reduce,"Cut high-beta by 2-3%, add cash",-14,3,BrokerD,MKT,94,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-56,12,-19,2,false,Tighten stops on momentum names
P6965,Cautious,Trust,USD,2025-11-29,597208,76384,520824,1.0,52.3,32.5,4.9,10.3,MSFT:28.8%;TSLA:22.4%;AMZN:19.9%;XLF:28.8%,US:57.7;EU:17.8;APAC:7.6;EM:12.5;Other:4.4,Value:+1.0;Growth:+0.7;Quality:+0.1;Size:-0.4;Momentum:+0.9;LowVol:+0.2,NoMargin,10,35,3.7,hard 10%,105,19.8,Volatile,27.3,3.56,2.9,137,-8,49,67,false,NoAction,Within bands; monitor,8,13,BrokerD,LMT,85,None,None,Normal monitoring,52,-33,77,4,false,Monitor dispersion and breadth
P6966,Cautious,401k,USD,2025-06-03,288549,43292,245257,1.0,50.5,33.8,1.2,14.6,XLF:33.3%;HYG:33.3%;IEF:33.3%,US:78.5;EU:8.1;APAC:7.1;EM:5.2;Other:1.2,Value:-0.4;Growth:-0.5;Quality:-0.6;Size:-0.8;Momentum:+0.4;LowVol:-0.8,NoMargin,6,30,4.3,hard 10%,105,15.1,Bull,17.9,4.35,2.3,108,103,92,56,false,Rebalance,Shift +1% to bonds from equity,-13,-6,BrokerA,MKT,85,None,None,Normal monitoring,9,-30,-10,4,false,Monitor dispersion and breadth
P6967,Systematic,401k,USD,2025-01-17,1038785,74671,964114,1.0,64.2,26.6,3.0,6.2,GLD:17.7%;VOO:16.7%;VNQ:16.7%;MUB:19.8%;HYG:11.7%;QQQ:17.5%,US:59.4;EU:16.9;APAC:13.1;EM:7.6;Other:3.0,Value:+0.2;Growth:-0.1;Quality:+0.4;Size:-0.9;Momentum:+1.0;LowVol:-0.4,MaxPos7%;NoDerivatives,10,35,4.8,trailing 9%,205,20.9,Bull,16.3,4.61,3.5,97,91,97,47,false,Sell,Trim extended winner -1%,29,9,BrokerB,LMT,99,None,None,Normal monitoring,-48,-52,-15,4,false,Within IPS guidelines
P6968,Hands-off,IRA,USD,2024-07-24,316217,25779,290438,1.0,60.6,25.4,5.0,9.1,QQQ:17.6%;AMZN:22.9%;VTI:22.9%;TLT:7.8%;VNQ:11.7%;BRK.B:17.1%,US:59.9;EU:21.3;APAC:7.1;EM:6.8;Other:4.9,Value:+0.7;Growth:+0.6;Quality:+0.5;Size:+0.3;Momentum:-0.2;LowVol:-0.5,,5,35,3.8,trailing 8%,126,15.0,Bear,22.6,4.35,2.3,153,-116,5,68,false,Buy,Add to core equity +1%,6,-22,BrokerC,LMT,88,None,None,Normal monitoring,119,-20,81,5,false,Monitor dispersion and breadth
P6969,Active,401k,USD,2025-04-17,1199626,113828,1085798,1.0,57.3,19.8,14.2,8.7,MSFT:33.3%;HYG:33.3%;BND:33.3%,US:68.8;EU:12.1;APAC:7.9;EM:9.3;Other:1.8,Value:-0.5;Growth:-0.2;Quality:+1.0;Size:-0.4;Momentum:-0.9;LowVol:-0.7,,6,35,5.6,hard 12%,145,21.3,Sideways,21.9,3.52,2.8,132,37,65,58,false,NoAction,Within bands; monitor,26,6,BrokerD,MKT,0,None,None,Normal monitoring,77,-17,107,3,false,Tax-aware sells next window
P6970,Hands-off,Taxable,USD,2025-07-03,361059,31443,329616,1.0,55.5,24.2,11.9,8.3,GLD:21.0%;BND:18.9%;VOO:13.5%;MUB:9.6%;TLT:20.3%;AAPL:16.7%,US:69.5;EU:12.2;APAC:8.7;EM:8.3;Other:1.3,Value:-0.4;Growth:+0.3;Quality:-0.2;Size:-0.5;Momentum:+0.6;LowVol:-0.9,ESGOnly,6,30,5.6,trailing 10%,148,17.6,Volatile,23.0,3.54,3.1,169,-1,38,65,true,Reduce,"Cut high-beta by 2-3%, add cash",17,-6,BrokerD,LMT,88,VAR>budget,Pause,Risk above budget threshold,94,-3,96,4,false,Increase defensive factor exposure
P6971,Hands-off,Trust,USD,2025-11-13,186677,17803,168874,1.0,68.2,24.6,0.0,7.2,AMZN:16.0%;VOO:7.7%;AAPL:21.5%;MSFT:21.5%;IEF:18.1%;QQQ:15.3%,US:68.7;EU:5.6;APAC:11.3;EM:9.6;Other:4.7,Value:-0.2;Growth:+0.3;Quality:+0.2;Size:-0.3;Momentum:-0.1;LowVol:-0.4,MaxPos6%;NoDerivatives,6,25,4.7,trailing 8%,146,18.8,Sideways,21.4,3.9,3.4,91,31,60,54,false,Sell,Trim extended winner -1%,-11,-27,BrokerA,LMT,86,None,None,Normal monitoring,46,-38,119,3,false,Monitor dispersion and breadth
P6972,Opportunistic,401k,USD,2025-03-25,1660970,85520,1575450,1.06,77.2,10.4,8.1,4.3,VTI:33.3%;MUB:33.3%;GLD:33.3%,US:76.4;EU:9.4;APAC:7.1;EM:6.3;Other:0.8,Value:-0.5;Growth:-0.0;Quality:+0.4;Size:-0.8;Momentum:0.0;LowVol:+0.4,MaxPos5%,6,35,5.4,trailing 7%,188,32.5,Volatile,29.9,4.29,2.1,144,-26,45,94,true,Reduce,"Cut high-beta by 2-3%, add cash",0,8,BrokerA,MKT,87,RegimeShift,Reduce,Volatility spike and breadth deterioration,45,5,20,3,false,Within IPS guidelines
P6973,Opportunistic,IRA,USD,2025-03-20,1668699,81601,1587098,1.0,72.7,19.5,0.0,7.7,MUB:33.3%;MSFT:33.3%;XLF:33.3%,US:76.1;EU:7.6;APAC:10.2;EM:5.8;Other:0.2,Value:+0.3;Growth:+0.2;Quality:-0.8;Size:-0.9;Momentum:+0.4;LowVol:+0.1,NoDerivatives,7,35,4.6,hard 12%,207,34.2,Volatile,22.2,4.04,3.8,146,-51,16,62,false,Sell,Trim extended winner -1%,12,-2,BrokerB,LMT,88,None,None,Normal monitoring,107,-42,245,4,false,Within IPS guidelines
P6974,Hands-off,Taxable,USD,2024-07-15,385352,17802,367550,1.0,64.1,28.0,0.0,7.9,XLF:28.1%;VNQ:15.7%;MSFT:28.1%;VTI:28.1%,US:71.7;EU:6.3;APAC:13.1;EM:4.0;Other:4.9,Value:0.0;Growth:+0.4;Quality:+0.3;Size:-0.3;Momentum:+0.8;LowVol:+0.9,NoDerivatives,6,25,4.3,hard 10%,146,17.3,Volatile,20.0,3.59,2.1,113,67,85,62,false,Sell,Trim extended winner -1%,0,-37,BrokerC,MKT,88,None,None,Normal monitoring,-4,-9,-29,4,false,Tighten stops on momentum names
P6975,Active,Taxable,USD,2024-11-23,832601,71889,760712,1.0,62.0,26.5,4.4,7.1,MSFT:29.2%;XLF:12.5%;BRK.B:29.2%;BND:29.2%,US:68.5;EU:10.2;APAC:14.0;EM:3.7;Other:3.6,Value:+0.1;Growth:+0.6;Quality:-0.8;Size:-1.0;Momentum:+0.3;LowVol:+1.0,,7,25,4.0,hard 12%,156,21.2,Volatile,25.9,4.71,3.1,139,-44,30,79,true,Rebalance,Rebalance back to target bands,13,13,BrokerD,VWAP,97,RegimeShift,Pause,Volatility spike and breadth deterioration,-21,17,-60,2,false,Monitor dispersion and breadth
P6976,Opportunistic,401k,USD,2025-06-28,709311,41384,667927,1.23,69.7,18.7,5.1,6.5,IEF:30.8%;TSLA:14.3%;AAPL:24.0%;QQQ:30.8%,US:60.9;EU:9.2;APAC:12.7;EM:12.0;Other:5.3,Value:+0.4;Growth:-0.9;Quality:+0.8;Size:-0.4;Momentum:+0.1;LowVol:-0.9,,7,35,5.0,hard 12%,274,20.5,Bull,16.5,4.8,2.9,115,16,54,50,false,Rebalance,Shift +1% to bonds from equity,14,-30,BrokerA,MKT,92,None,None,Normal monitoring,-53,5,60,3,false,Tighten stops on momentum names
P6977,Opportunistic,IRA,USD,2025-06-19,1056893,73261,983632,1.23,61.0,18.2,13.6,7.2,MSFT:16.3%;VNQ:22.6%;AAPL:30.5%;TLT:30.5%,US:61.8;EU:19.5;APAC:11.2;EM:6.4;Other:1.2,Value:-0.3;Growth:-0.3;Quality:+0.7;Size:-0.3;Momentum:-0.1;LowVol:+0.8,,5,30,6.3,trailing 7%,188,24.6,Volatile,29.2,4.39,3.1,127,65,72,71,true,Hedge,Buy index puts 1% notional,33,-5,BrokerC,MKT,85,Drift>tolerance,Hedge,Allocation drift beyond policy bands,30,-3,59,4,false,Increase defensive factor exposure
P6978,Opportunistic,Taxable,USD,2024-12-18,613154,39887,573267,1.0,73.4,21.2,1.0,4.4,VTI:33.3%;AAPL:33.3%;GLD:33.3%,US:67.3;EU:9.1;APAC:13.4;EM:7.2;Other:3.0,Value:+0.5;Growth:-0.8;Quality:-0.8;Size:0.0;Momentum:+0.5;LowVol:-0.1,MaxPos5%;NoDerivatives,6,25,6.3,trailing 7%,196,28.9,Volatile,20.2,4.97,3.6,124,74,87,72,true,Reduce,"Cut high-beta by 2-3%, add cash",-7,-10,BrokerC,LMT,97,VAR>budget,Reduce,Risk above budget threshold,56,-52,159,3,false,Monitor dispersion and breadth
P6979,Cautious,Trust,USD,2024-11-25,310907,27641,283266,1.0,44.4,41.2,4.2,10.2,AMZN:22.0%;BND:22.0%;MUB:22.0%;IEF:13.4%;MSFT:20.7%,US:64.1;EU:19.2;APAC:10.5;EM:4.7;Other:1.4,Value:+0.9;Growth:-1.0;Quality:-0.5;Size:-1.0;Momentum:+0.3;LowVol:-0.6,MaxPos5%;NoMargin,6,35,5.3,trailing 8%,140,17.4,Volatile,26.4,3.92,2.8,119,6,50,68,false,Buy,Add to core equity +1%,24,5,BrokerB,VWAP,90,None,None,Normal monitoring,-55,3,69,4,false,Tighten stops on momentum names
P6980,Hands-off,IRA,USD,2025-07-14,592944,30096,562848,1.0,58.3,20.5,14.7,6.5,MSFT:23.6%;GLD:26.1%;VNQ:24.2%;IEF:26.1%,US:67.6;EU:12.5;APAC:13.1;EM:4.0;Other:2.8,Value:+0.2;Growth:0.0;Quality:+0.2;Size:+0.7;Momentum:-0.3;LowVol:-0.8,ESGOnly;NoDerivatives,5,30,3.6,hard 10%,118,12.6,Volatile,27.7,3.76,3.4,178,-26,36,63,false,Rebalance,Shift +1% to bonds from equity,-5,-19,BrokerB,LMT,95,None,None,Normal monitoring,22,-49,38,5,false,Within IPS guidelines
P6981,Cautious,Trust,USD,2025-06-19,590015,81120,508895,1.0,48.5,40.2,0.9,10.4,BND:11.5%;XLF:16.3%;TLT:24.1%;VTI:13.0%;MSFT:23.6%;GLD:11.5%,US:72.6;EU:9.9;APAC:11.5;EM:5.3;Other:0.8,Value:-0.8;Growth:-0.9;Quality:-0.7;Size:+0.7;Momentum:+0.1;LowVol:+0.9,NoMargin,8,30,3.7,hard 10%,162,16.0,Bull,16.4,4.03,3.0,116,104,100,35,false,Rebalance,Shift +1% to bonds from equity,19,-26,BrokerB,VWAP,91,None,None,Normal monitoring,30,4,-5,5,false,Increase defensive factor exposure
P6982,Cautious,Roth,USD,2025-10-04,360942,46135,314807,1.0,47.2,31.3,7.4,14.1,TLT:11.4%;XLF:15.4%;VTI:19.4%;AMZN:19.3%;HYG:16.1%;VOO:18.5%,US:66.3;EU:10.4;APAC:12.2;EM:10.5;Other:0.6,Value:-0.4;Growth:-0.8;Quality:+0.1;Size:+0.2;Momentum:-0.2;LowVol:-0.9,ESGOnly;NoMargin,5,35,4.4,trailing 8%,125,13.9,Sideways,16.6,4.44,2.6,99,-4,43,35,false,Rebalance,Shift +1% to bonds from equity,2,-39,BrokerA,LMT,92,None,None,Normal monitoring,14,3,101,4,false,Monitor dispersion and breadth
P6983,Hands-off,Trust,USD,2025-05-20,801911,57365,744546,1.0,61.1,19.8,9.9,9.1,VTI:17.2%;VNQ:31.1%;TLT:31.1%;GLD:20.6%,US:60.2;EU:19.0;APAC:9.9;EM:6.7;Other:4.2,Value:0.0;Growth:+0.3;Quality:+0.9;Size:+0.4;Momentum:-0.8;LowVol:+0.4,,6,30,3.0,hard 10%,153,19.3,Sideways,17.3,4.89,2.9,102,27,64,56,false,Hedge,Add TLT +1% as duration hedge,-13,10,BrokerD,LMT,97,None,None,Normal monitoring,80,6,219,5,false,Monitor dispersion and breadth
P6984,Hands-off,Trust,USD,2025-08-26,382822,28084,354738,1.0,58.6,15.9,19.6,5.9,TLT:27.9%;MUB:27.9%;IEF:27.9%;HYG:16.2%,US:65.1;EU:13.2;APAC:12.6;EM:8.6;Other:0.5,Value:-0.6;Growth:-0.9;Quality:+0.5;Size:+0.5;Momentum:+0.8;LowVol:-0.5,ESGOnly,6,25,5.5,trailing 10%,163,14.2,Bear,26.8,3.87,1.9,196,-36,46,73,true,Hedge,Buy index puts 1% notional,35,-30,BrokerA,VWAP,85,Drift>tolerance,Hedge,Allocation drift beyond policy bands,108,-57,112,5,false,Within IPS guidelines
P6985,Hands-off,Taxable,USD,2025-08-25,195988,12526,183462,1.0,64.7,23.5,2.9,8.9,VOO:12.4%;AAPL:25.0%;XLF:25.0%;GLD:24.6%;IEF:13.0%,US:66.4;EU:10.6;APAC:9.0;EM:10.6;Other:3.5,Value:-0.6;Growth:-0.3;Quality:+0.9;Size:-0.5;Momentum:-0.5;LowVol:-0.5,ESGOnly,7,25,4.7,hard 10%,114,13.3,Bear,23.2,4.1,1.3,138,26,55,64,false,Sell,Trim extended winner -1%,34,-30,BrokerC,LMT,98,None,None,Normal monitoring,49,18,95,3,false,Monitor dispersion and breadth
P6986,Hands-off,IRA,USD,2025-01-02,594460,31862,562598,1.0,62.3,25.3,6.8,5.6,MSFT:33.3%;BRK.B:33.3%;IEF:33.3%,US:62.6;EU:14.6;APAC:13.3;EM:4.2;Other:5.2,Value:-0.4;Growth:-0.7;Quality:+0.8;Size:-0.9;Momentum:-0.0;LowVol:-0.2,ESGOnly,8,30,3.3,trailing 10%,169,12.2,Volatile,21.0,4.32,4.0,112,61,75,57,false,Hedge,Add TLT +1% as duration hedge,27,15,BrokerA,VWAP,94,None,None,Normal monitoring,120,-44,139,3,false,Tax-aware sells next window
P6987,Hands-off,Taxable,USD,2025-02-25,688320,44091,644229,1.0,70.2,15.9,8.1,5.8,XLF:27.0%;IEF:27.0%;BRK.B:27.0%;AAPL:19.1%,US:65.6;EU:19.9;APAC:6.4;EM:6.8;Other:1.4,Value:-0.8;Growth:+0.7;Quality:+0.1;Size:+0.6;Momentum:-0.4;LowVol:-0.9,ESGOnly;MaxPos8%,7,35,4.7,trailing 8%,92,15.1,Volatile,27.8,5.09,3.5,117,70,87,80,true,Hedge,Buy index puts 1% notional,9,-20,BrokerB,LMT,88,VAR>budget,Reduce,Risk above budget threshold,89,-50,226,4,false,Tax-aware sells next window
P6988,Hands-off,Trust,USD,2024-09-24,509859,37152,472707,1.0,60.9,27.3,3.3,8.5,IEF:26.1%;BRK.B:26.1%;MSFT:26.1%;VTI:21.6%,US:54.6;EU:19.2;APAC:13.2;EM:8.6;Other:4.5,Value:-0.8;Growth:+0.3;Quality:-0.8;Size:-0.1;Momentum:+0.7;LowVol:+0.7,ESGOnly;MaxPos7%,10,35,4.2,trailing 8%,121,15.2,Sideways,21.2,4.46,2.1,134,39,83,67,false,NoAction,Within bands; monitor,-4,8,BrokerD,LMT,90,None,None,Normal monitoring,-54,-54,47,4,false,Monitor dispersion and breadth
P6989,Hands-off,Roth,USD,2025-05-10,716012,46971,669041,1.0,65.1,22.1,3.0,9.8,AAPL:33.4%;VTI:33.1%;VOO:33.4%,US:73.5;EU:8.3;APAC:9.8;EM:5.4;Other:3.1,Value:+0.6;Growth:0.0;Quality:-0.4;Size:-0.0;Momentum:-0.8;LowVol:+0.4,ESGOnly;NoDerivatives,5,35,5.3,trailing 8%,92,15.8,Bear,28.3,3.2,1.0,159,1,44,67,false,Rebalance,Shift +1% to bonds from equity,-11,14,BrokerB,LMT,99,None,None,Normal monitoring,9,5,67,5,false,Tax-aware sells next window
P6990,Opportunistic,401k,USD,2025-04-11,1770946,155813,1615133,1.0,77.6,10.6,5.7,6.1,VNQ:21.8%;TLT:17.4%;GLD:21.8%;MSFT:21.8%;AMZN:17.3%,US:70.5;EU:10.4;APAC:12.7;EM:3.8;Other:2.6,Value:+0.9;Growth:-0.2;Quality:-0.9;Size:+0.4;Momentum:+0.2;LowVol:+0.5,MaxPos7%,6,25,5.4,hard 12%,277,26.7,Bull,13.6,4.78,2.0,120,30,77,51,false,Rebalance,Shift +1% to bonds from equity,10,0,BrokerC,MKT,98,None,None,Normal monitoring,-48,-45,-43,5,false,Increase defensive factor exposure
P6991,Active,Taxable,USD,2025-10-22,1381762,110530,1271232,1.15,54.7,25.8,10.1,9.5,VOO:33.3%;MUB:33.3%;TLT:33.3%,US:62.7;EU:15.8;APAC:10.9;EM:10.4;Other:0.3,Value:-0.8;Growth:+0.3;Quality:-0.5;Size:+0.3;Momentum:-0.4;LowVol:-0.2,MaxPos8%;NoDerivatives,5,30,4.5,trailing 8%,198,17.2,Volatile,23.0,5.31,3.6,170,19,52,48,true,Hedge,Buy index puts 1% notional,24,-4,BrokerC,VWAP,96,VAR>budget,Reduce,Risk above budget threshold,-51,-44,-23,5,false,Monitor dispersion and breadth
P6992,Active,IRA,USD,2025-11-22,575105,38421,536684,1.0,67.3,19.7,6.1,6.8,MSFT:26.5%;TSLA:20.5%;AMZN:26.5%;GLD:26.5%,US:65.4;EU:8.8;APAC:12.7;EM:10.0;Other:3.1,Value:-0.5;Growth:+1.0;Quality:-0.1;Size:-0.3;Momentum:+0.6;LowVol:-0.3,NoDerivatives,10,35,5.3,trailing 9%,227,23.7,Sideways,16.7,4.2,3.0,104,35,66,51,false,Sell,Trim extended winner -1%,-15,-26,BrokerD,LMT,86,None,None,Normal monitoring,101,-56,123,3,false,Within IPS guidelines
P6993,Cautious,Taxable,USD,2025-05-11,525432,76579,448853,1.0,36.2,43.7,5.5,14.7,HYG:23.1%;VOO:13.3%;AMZN:23.1%;VTI:23.1%;GLD:17.4%,US:64.1;EU:16.3;APAC:9.0;EM:10.5;Other:0.2,Value:+0.3;Growth:-0.8;Quality:+0.2;Size:-0.3;Momentum:-0.6;LowVol:-0.8,ESGOnly;MaxPos7%;NoMargin,6,35,3.7,hard 10%,160,18.7,Bull,17.7,4.22,2.8,85,50,73,39,false,Buy,Add to core equity +1%,13,4,BrokerA,MKT,96,None,None,Normal monitoring,2,-40,83,5,false,Tighten stops on momentum names
P6994,Opportunistic,IRA,USD,2025-06-26,777723,25634,752089,1.0,66.5,19.0,6.3,8.2,XLF:18.3%;MSFT:24.4%;IEF:8.7%;VTI:24.4%;BRK.B:24.4%,US:65.2;EU:14.8;APAC:8.6;EM:6.5;Other:4.8,Value:+0.3;Growth:-0.2;Quality:+0.9;Size:-0.6;Momentum:-0.4;LowVol:-0.0,,7,30,5.6,hard 12%,201,29.0,Bull,14.6,3.89,3.1,81,10,70,46,false,Rebalance,Shift +1% to bonds from equity,27,-34,BrokerC,LMT,86,None,None,Normal monitoring,-57,-47,33,4,false,Within IPS guidelines
P6995,Systematic,Trust,USD,2025-05-21,1816730,158348,1658382,1.0,65.2,22.3,3.4,9.1,BRK.B:33.3%;IEF:33.3%;BND:33.3%,US:63.8;EU:16.2;APAC:11.0;EM:4.6;Other:4.3,Value:+0.8;Growth:-0.7;Quality:+0.4;Size:-0.7;Momentum:-0.7;LowVol:+0.6,NoDerivatives,5,30,5.5,trailing 8%,185,17.4,Sideways,15.6,3.6,2.8,99,10,64,40,false,Buy,Add to core equity +1%,15,-26,BrokerD,LMT,87,None,None,Normal monitoring,-58,3,-68,3,false,Tax-aware sells next window
P6996,Systematic,Trust,USD,2024-12-03,1172508,107716,1064792,1.0,67.5,23.4,1.4,7.7,AAPL:21.2%;MSFT:14.0%;MUB:16.1%;VOO:24.4%;XLF:24.4%,US:70.4;EU:6.3;APAC:14.2;EM:3.6;Other:5.4,Value:+0.3;Growth:+0.2;Quality:-0.1;Size:-0.5;Momentum:-0.6;LowVol:+0.3,MaxPos7%,10,35,5.6,trailing 8%,188,26.2,Sideways,18.2,4.9,3.2,128,13,53,62,false,Hedge,Add TLT +1% as duration hedge,20,-16,BrokerC,LMT,86,None,None,Normal monitoring,66,13,49,5,false,Within IPS guidelines
P6997,Opportunistic,Taxable,USD,2025-08-14,1089835,34772,1055063,1.0,65.6,12.9,12.6,8.8,BND:27.5%;VOO:27.5%;MSFT:17.4%;GLD:27.5%,US:60.5;EU:15.4;APAC:13.6;EM:5.3;Other:5.2,Value:+0.1;Growth:+0.1;Quality:-0.7;Size:+0.4;Momentum:-0.8;LowVol:+0.6,,7,25,6.4,trailing 9%,190,31.3,Bull,16.2,4.35,3.1,80,57,76,61,false,NoAction,Within bands; monitor,-1,-29,BrokerA,VWAP,87,None,None,Normal monitoring,40,-37,156,4,false,Tighten stops on momentum names
P6998,Opportunistic,Taxable,USD,2024-07-04,738099,47706,690393,1.15,72.8,11.5,7.2,8.5,IEF:10.8%;VTI:22.9%;MUB:15.8%;BND:19.1%;AMZN:22.9%;XLF:8.6%,US:71.8;EU:10.3;APAC:9.9;EM:3.7;Other:4.3,Value:+0.4;Growth:-0.5;Quality:-0.0;Size:+0.7;Momentum:-0.9;LowVol:0.0,,8,35,5.0,trailing 7%,245,33.9,Sideways,18.6,3.97,2.6,96,55,78,54,false,NoAction,Within bands; monitor,32,-38,BrokerD,VWAP,89,None,None,Normal monitoring,71,14,163,5,false,Tighten stops on momentum names
P6999,Opportunistic,Taxable,USD,2025-05-13,717599,35410,682189,1.0,70.5,12.1,12.6,4.8,GLD:10.0%;TSLA:26.4%;VTI:26.4%;VNQ:26.4%;AMZN:10.9%,US:57.7;EU:10.1;APAC:16.9;EM:11.0;Other:4.3,Value:0.0;Growth:-0.1;Quality:+0.1;Size:+0.5;Momentum:+0.1;LowVol:+0.1,MaxPos5%,7,35,4.1,trailing 7%,185,33.2,Bear,30.0,3.92,1.0,145,-56,30,90,true,Hedge,Buy index puts 1% notional,28,10,BrokerD,VWAP,93,Drift>tolerance,Hedge,Allocation drift beyond policy bands,32,-4,146,3,false,Monitor dispersion and breadth
P7000,Hands-off,Trust,USD,2025-06-15,336434,17033,319401,1.0,68.6,23.0,0.0,8.5,QQQ:33.3%;IEF:33.3%;VTI:33.3%,US:65.7;EU:15.5;APAC:9.2;EM:5.7;Other:3.9,Value:-0.2;Growth:+0.3;Quality:-0.7;Size:+0.2;Momentum:-0.8;LowVol:-0.0,,10,25,5.2,trailing 8%,124,17.1,Volatile,21.6,4.57,2.0,129,43,78,57,false,Buy,Add to core equity +1%,-1,-32,BrokerB,LMT,100,None,None,Normal monitoring,-45,10,-77,3,false,Increase defensive factor exposure
P7001,Hands-off,Roth,USD,2025-02-06,337437,22025,315412,1.0,64.9,23.6,1.8,9.7,TLT:33.3%;HYG:33.3%;BRK.B:33.3%,US:65.2;EU:15.9;APAC:11.6;EM:7.0;Other:0.2,Value:+0.6;Growth:+0.4;Quality:-0.7;Size:+0.9;Momentum:-0.3;LowVol:+0.5,ESGOnly;MaxPos7%,6,25,5.9,trailing 8%,147,18.3,Bull,12.9,4.76,2.9,72,115,100,53,false,Buy,Add to core equity +1%,-13,-3,BrokerB,MKT,86,None,None,Normal monitoring,-36,-44,-48,5,false,Monitor dispersion and breadth
P7002,Active,Trust,USD,2024-08-07,2200736,252811,1947925,1.0,53.3,24.5,15.4,6.8,VTI:25.0%;MUB:25.0%;IEF:25.0%;VNQ:25.0%,US:60.4;EU:12.5;APAC:14.6;EM:12.3;Other:0.2,Value:+0.3;Growth:+0.5;Quality:-0.3;Size:+0.9;Momentum:-0.9;LowVol:-0.0,MaxPos8%,6,35,4.1,hard 12%,210,20.6,Volatile,29.6,4.29,3.6,152,28,66,63,false,NoAction,Within bands; monitor,-5,11,BrokerA,MKT,0,None,None,Normal monitoring,70,-45,95,3,false,Within IPS guidelines
P7003,Opportunistic,401k,USD,2025-06-06,1590090,83371,1506719,1.0,68.0,20.3,5.6,6.0,IEF:16.7%;AMZN:23.1%;MUB:23.1%;TLT:23.1%;GLD:14.1%,US:78.5;EU:5.5;APAC:8.5;EM:6.2;Other:1.3,Value:+0.9;Growth:-0.8;Quality:+0.3;Size:-1.0;Momentum:-0.6;LowVol:+0.3,MaxPos7%,6,30,5.7,trailing 7%,233,22.1,Bear,32.7,4.34,1.7,131,18,69,94,true,Hedge,Buy index puts 1% notional,-1,-17,BrokerA,MKT,92,RegimeShift,TightenStops,Volatility spike and breadth deterioration,-27,10,32,5,false,Monitor dispersion and breadth
P7004,Systematic,Trust,USD,2025-02-21,1409448,67080,1342368,1.0,62.3,24.2,6.3,7.2,TLT:38.7%;VOO:38.7%;QQQ:22.6%,US:70.7;EU:9.1;APAC:8.9;EM:9.2;Other:2.1,Value:-0.1;Growth:-0.8;Quality:-0.9;Size:-0.9;Momentum:-0.5;LowVol:+0.5,,10,25,4.4,trailing 9%,201,17.3,Volatile,26.6,4.99,3.1,112,54,68,74,true,Hedge,Buy index puts 1% notional,23,-32,BrokerC,VWAP,89,VAR>budget,Reduce,Risk above budget threshold,-28,-39,96,3,false,Increase defensive factor exposure
P7005,Systematic,Taxable,USD,2025-04-02,1622965,73872,1549093,1.0,61.3,25.4,3.5,9.8,GLD:33.3%;AMZN:33.3%;TLT:33.3%,US:55.9;EU:19.0;APAC:16.2;EM:4.8;Other:4.2,Value:-0.2;Growth:-0.8;Quality:-0.8;Size:+0.8;Momentum:+0.2;LowVol:-0.2,MaxPos8%,5,30,5.5,trailing 9%,212,27.1,Bull,18.0,3.9,2.1,86,78,100,42,false,Sell,Trim extended winner -1%,13,-35,BrokerB,LMT,96,None,None,Normal monitoring,-46,-10,2,5,false,Increase defensive factor exposure
P7006,Hands-off,Roth,USD,2025-08-07,593099,42573,550526,1.0,65.1,19.7,6.3,8.8,QQQ:19.6%;TSLA:17.7%;TLT:13.5%;BND:20.5%;HYG:18.2%;VTI:10.5%,US:64.2;EU:17.8;APAC:14.0;EM:3.5;Other:0.6,Value:+0.6;Growth:+0.6;Quality:-0.7;Size:+0.7;Momentum:+1.0;LowVol:-0.2,ESGOnly;MaxPos7%,5,30,4.6,hard 10%,97,17.6,Bear,22.4,4.49,1.1,217,12,49,64,false,Hedge,Add TLT +1% as duration hedge,34,-24,BrokerB,LMT,100,None,None,Normal monitoring,40,-9,161,4,false,Monitor dispersion and breadth
P7007,Hands-off,Roth,USD,2025-02-22,753698,63505,690193,1.0,62.1,29.0,0.0,8.9,AAPL:33.3%;QQQ:33.3%;BRK.B:33.3%,US:62.1;EU:16.3;APAC:8.9;EM:12.0;Other:0.8,Value:-0.2;Growth:-1.0;Quality:+0.1;Size:+0.6;Momentum:-0.7;LowVol:+0.6,MaxPos5%,5,30,3.9,hard 10%,127,13.5,Volatile,24.9,4.75,2.8,136,-11,41,72,true,Reduce,"Cut high-beta by 2-3%, add cash",-10,-14,BrokerC,VWAP,91,VAR>budget,Hedge,Risk above budget threshold,-14,-3,124,5,false,Increase defensive factor exposure
P7008,Hands-off,Taxable,USD,2025-01-13,736740,69520,667220,1.0,70.1,24.0,0.7,5.2,VNQ:21.5%;VTI:11.8%;MSFT:12.1%;AMZN:20.4%;IEF:21.5%;XLF:12.8%,US:64.4;EU:13.6;APAC:11.4;EM:6.5;Other:4.1,Value:+0.5;Growth:-0.8;Quality:0.0;Size:-0.2;Momentum:+0.8;LowVol:+0.2,ESGOnly;MaxPos5%;NoDerivatives,10,25,5.8,trailing 8%,114,18.6,Volatile,22.4,3.81,4.3,180,-47,21,56,false,Rebalance,Shift +1% to bonds from equity,12,7,BrokerA,MKT,85,None,None,Normal monitoring,16,-50,149,5,false,Within IPS guidelines
P7009,Cautious,IRA,USD,2024-11-14,507556,65642,441914,1.0,40.4,39.7,9.7,10.2,VTI:26.5%;BND:20.5%;TSLA:26.5%;AMZN:26.5%,US:58.3;EU:16.7;APAC:11.8;EM:11.3;Other:1.9,Value:-0.3;Growth:+0.2;Quality:-0.2;Size:+0.8;Momentum:+0.9;LowVol:-0.2,MaxPos6%;NoMargin,6,30,5.5,trailing 8%,92,18.2,Bear,28.5,4.05,2.3,162,-13,47,66,false,NoAction,Within bands; monitor,3,-35,BrokerC,MKT,0,None,None,Normal monitoring,-30,-8,58,5,false,Tax-aware sells next window
P7010,Systematic,Roth,USD,2025-10-15,1922735,159024,1763711,1.0,55.6,31.9,3.5,9.0,BND:38.0%;AMZN:24.0%;QQQ:38.0%,US:72.5;EU:9.3;APAC:7.5;EM:7.1;Other:3.6,Value:-0.5;Growth:+0.8;Quality:-0.1;Size:+0.5;Momentum:+0.7;LowVol:+0.8,MaxPos7%,7,35,5.3,hard 12%,161,25.2,Bull,12.3,4.85,3.1,79,57,73,31,false,Hedge,Add TLT +1% as duration hedge,-8,10,BrokerD,LMT,90,None,None,Normal monitoring,64,-13,65,3,false,Within IPS guidelines
P7011,Opportunistic,401k,USD,2024-07-10,1727783,76088,1651695,1.0,75.6,14.7,1.6,8.1,BND:22.4%;QQQ:18.0%;VTI:22.4%;TSLA:14.7%;VOO:22.4%,US:68.2;EU:11.4;APAC:7.8;EM:10.5;Other:2.1,Value:-0.4;Growth:+0.7;Quality:+0.9;Size:-0.1;Momentum:-0.1;LowVol:+0.5,MaxPos6%,8,25,4.2,hard 12%,197,27.9,Bull,16.5,4.66,2.2,119,7,58,62,false,Buy,Add to core equity +1%,12,0,BrokerD,MKT,94,None,None,Normal monitoring,83,-42,221,5,false,Monitor dispersion and breadth
P7012,Cautious,401k,USD,2024-12-14,463774,41266,422508,1.0,49.8,38.0,0.0,12.2,VNQ:22.9%;XLF:23.0%;TLT:23.0%;BND:8.0%;AMZN:23.0%,US:64.1;EU:8.3;APAC:13.0;EM:12.6;Other:1.9,Value:-0.7;Growth:+1.0;Quality:-1.0;Size:-0.0;Momentum:+0.1;LowVol:+0.6,ESGOnly;MaxPos8%;NoMargin,7,35,3.8,trailing 8%,124,18.2,Bull,14.9,4.5,2.1,113,19,49,41,false,Buy,Add to core equity +1%,-9,-23,BrokerB,MKT,97,None,None,Normal monitoring,120,-7,104,5,false,Tax-aware sells next window
P7013,Systematic,Trust,USD,2024-10-16,1827982,100047,1727935,1.0,56.0,21.9,13.9,8.2,VTI:17.6%;GLD:21.5%;VNQ:17.1%;QQQ:21.9%;MUB:21.9%,US:81.1;EU:5.4;APAC:6.0;EM:4.6;Other:2.9,Value:-0.5;Growth:-0.9;Quality:+0.3;Size:+0.5;Momentum:-0.2;LowVol:-0.0,MaxPos7%,6,35,5.7,trailing 8%,130,22.0,Sideways,16.5,4.21,2.9,91,-9,30,36,false,Rebalance,Shift +1% to bonds from equity,-10,-34,BrokerC,MKT,99,None,None,Normal monitoring,90,-25,151,5,false,Tighten stops on momentum names
P7014,Active,401k,USD,2025-09-16,1357996,143922,1214074,1.0,63.1,22.8,6.5,7.6,AAPL:12.2%;VTI:16.4%;HYG:15.5%;TLT:19.0%;MSFT:17.0%;BND:19.8%,US:63.9;EU:9.1;APAC:11.4;EM:12.4;Other:3.2,Value:+0.3;Growth:-0.4;Quality:-0.9;Size:0.0;Momentum:+0.1;LowVol:+0.1,NoDerivatives,5,30,4.1,trailing 9%,127,18.8,Sideways,14.1,4.24,3.5,135,18,51,51,false,Sell,Trim extended winner -1%,-5,-6,BrokerB,MKT,88,None,None,Normal monitoring,39,7,47,4,false,Monitor dispersion and breadth
P7015,Opportunistic,401k,USD,2025-12-22,386879,19899,366980,1.0,61.1,16.6,15.7,6.6,HYG:25.2%;AAPL:24.5%;GLD:25.2%;QQQ:25.2%,US:63.6;EU:12.5;APAC:12.0;EM:10.7;Other:1.2,Value:+0.8;Growth:+0.3;Quality:+0.4;Size:+0.9;Momentum:-1.0;LowVol:+0.7,MaxPos8%,10,30,5.5,trailing 9%,262,34.7,Volatile,31.1,4.47,4.1,116,-39,30,88,true,Reduce,"Cut high-beta by 2-3%, add cash",33,6,BrokerA,MKT,96,RegimeShift,TightenStops,Volatility spike and breadth deterioration,23,-33,116,5,true,Within IPS guidelines
P7016,Cautious,Roth,USD,2025-09-10,526837,52987,473850,1.0,51.7,31.8,0.0,16.5,MUB:11.1%;TLT:20.7%;IEF:19.1%;MSFT:15.8%;AMZN:20.7%;VOO:12.7%,US:65.6;EU:14.3;APAC:6.6;EM:8.6;Other:4.8,Value:+0.5;Growth:+0.4;Quality:-0.9;Size:-0.3;Momentum:-0.8;LowVol:+0.9,ESGOnly;NoDerivatives;NoMargin,10,25,4.5,trailing 8%,132,15.3,Bull,11.9,4.33,2.3,110,0,62,33,true,Reduce,"Cut high-beta by 2-3%, add cash",-14,7,BrokerD,LMT,94,VAR>budget,TightenStops,Risk above budget threshold,3,-4,34,4,false,Tax-aware sells next window
P7017,Cautious,Trust,USD,2025-04-12,374566,50581,323985,1.0,40.9,44.8,0.0,14.3,IEF:24.7%;MUB:24.7%;AAPL:15.8%;AMZN:10.2%;QQQ:24.5%,US:66.7;EU:16.1;APAC:6.9;EM:6.7;Other:3.6,Value:+0.3;Growth:-0.4;Quality:-0.7;Size:+0.1;Momentum:+0.6;LowVol:-1.0,MaxPos8%;NoDerivatives;NoMargin,10,35,4.2,hard 10%,170,19.4,Sideways,18.1,4.71,2.4,115,42,67,48,false,NoAction,Within bands; monitor,8,10,BrokerA,LMT,98,None,None,Normal monitoring,-26,-22,-29,5,false,Monitor dispersion and breadth
P7018,Cautious,Taxable,USD,2025-08-25,466012,74122,391890,1.0,39.1,37.1,7.0,16.8,IEF:21.3%;VTI:14.8%;GLD:21.3%;VOO:21.3%;QQQ:21.3%,US:66.1;EU:13.5;APAC:9.2;EM:9.5;Other:1.6,Value:-0.4;Growth:-0.9;Quality:-0.1;Size:+0.4;Momentum:-0.8;LowVol:+0.2,NoMargin,5,30,3.7,hard 10%,145,12.5,Bull,14.6,4.54,3.4,73,96,100,42,false,Buy,Add to core equity +1%,29,-20,BrokerD,MKT,89,None,None,Normal monitoring,53,-35,176,3,false,Increase defensive factor exposure
P7019,Active,401k,USD,2025-01-18,865197,78765,786432,1.0,63.7,19.8,10.9,5.6,BRK.B:15.1%;BND:25.1%;MSFT:10.5%;VNQ:24.3%;HYG:25.1%,US:74.0;EU:8.7;APAC:5.1;EM:10.6;Other:1.6,Value:-1.0;Growth:+0.2;Quality:-0.1;Size:+0.9;Momentum:-0.1;LowVol:0.0,,10,25,4.5,hard 12%,183,24.3,Volatile,28.2,4.1,3.5,166,77,76,70,false,Rebalance,Shift +1% to bonds from equity,22,2,BrokerB,MKT,92,None,None,Normal monitoring,31,6,163,4,false,Tax-aware sells next window
P7020,Active,Roth,USD,2025-04-15,2392432,156215,2236217,1.0,59.2,28.5,2.7,9.6,IEF:33.0%;MUB:33.5%;VTI:33.5%,US:69.0;EU:14.5;APAC:4.9;EM:7.0;Other:4.5,Value:+0.4;Growth:-0.2;Quality:-0.5;Size:+1.0;Momentum:+1.0;LowVol:-0.7,,5,30,4.1,trailing 8%,176,24.2,Bull,16.4,4.23,2.9,103,10,41,44,false,Sell,Trim extended winner -1%,17,-5,BrokerB,LMT,100,None,None,Normal monitoring,11,-42,-28,4,false,Tighten stops on momentum names
P7021,Cautious,Roth,USD,2025-12-10,859572,92465,767107,1.0,47.3,39.8,0.0,13.0,MSFT:14.3%;GLD:22.3%;QQQ:22.3%;BRK.B:18.8%;HYG:22.3%,US:72.2;EU:10.1;APAC:5.4;EM:9.8;Other:2.5,Value:+0.7;Growth:-0.1;Quality:-0.2;Size:-0.8;Momentum:+0.2;LowVol:-0.4,NoDerivatives;NoMargin,6,30,3.9,trailing 10%,170,18.2,Volatile,27.0,4.28,4.2,127,5,62,64,false,Rebalance,Shift +1% to bonds from equity,0,-12,BrokerC,LMT,85,None,None,Normal monitoring,-42,-27,89,5,false,Tighten stops on momentum names
P7022,Opportunistic,Taxable,USD,2024-07-28,752852,47753,705099,1.0,76.9,11.1,5.3,6.7,GLD:9.4%;MSFT:8.4%;TSLA:21.1%;AMZN:15.5%;MUB:22.8%;BRK.B:22.8%,US:64.5;EU:15.5;APAC:5.8;EM:11.7;Other:2.4,Value:+0.2;Growth:+0.7;Quality:-0.9;Size:-0.6;Momentum:-0.9;LowVol:-0.5,MaxPos5%,10,30,4.5,trailing 9%,255,22.1,Bull,14.2,4.05,3.0,104,29,64,49,false,Buy,Add to core equity +1%,9,-22,BrokerD,LMT,95,None,None,Normal monitoring,20,2,157,3,false,Increase defensive factor exposure
P7023,Hands-off,401k,USD,2025-10-15,593586,47854,545732,1.0,57.2,26.7,6.2,10.0,VTI:33.3%;AMZN:33.3%;XLF:33.3%,US:59.7;EU:19.4;APAC:10.1;EM:9.7;Other:1.1,Value:+0.8;Growth:+0.1;Quality:-0.4;Size:-0.6;Momentum:+0.5;LowVol:+0.9,NoDerivatives,6,35,4.0,hard 10%,113,18.0,Sideways,21.2,4.53,3.2,94,27,75,48,false,Buy,Add to core equity +1%,31,-2,BrokerD,LMT,92,None,None,Normal monitoring,51,14,33,5,false,Tax-aware sells next window
P7024,Systematic,Taxable,USD,2024-12-20,1205838,67336,1138502,1.0,59.0,32.2,0.0,8.8,XLF:25.0%;VNQ:25.0%;TSLA:25.0%;GLD:25.0%,US:57.2;EU:17.2;APAC:13.4;EM:9.3;Other:3.0,Value:+0.5;Growth:-0.8;Quality:+0.7;Size:+0.1;Momentum:+0.5;LowVol:0.0,,7,25,4.7,hard 12%,154,21.8,Sideways,15.9,4.85,2.6,98,-28,22,39,false,Rebalance,Shift +1% to bonds from equity,27,-2,BrokerC,MKT,93,None,None,Normal monitoring,-58,-13,-77,4,false,Tighten stops on momentum names
P7025,Opportunistic,Roth,USD,2025-03-12,1746342,95014,1651328,1.0,71.6,17.9,3.6,6.8,VOO:22.4%;MSFT:22.4%;GLD:22.2%;VTI:22.4%;BND:10.6%,US:64.6;EU:15.7;APAC:12.1;EM:4.4;Other:3.3,Value:-1.0;Growth:-0.8;Quality:+0.3;Size:+0.6;Momentum:+0.8;LowVol:+1.0,,5,25,4.6,trailing 7%,182,33.2,Bull,16.2,3.5,2.7,115,98,100,50,false,Rebalance,Shift +1% to bonds from equity,3,-27,BrokerB,LMT,99,None,None,Normal monitoring,51,-30,11,5,false,Increase defensive factor exposure
P7026,Opportunistic,Taxable,USD,2025-08-31,1213327,106774,1106553,1.0,65.1,10.4,20.4,4.1,BRK.B:16.4%;GLD:14.4%;QQQ:21.0%;VOO:21.0%;XLF:8.8%;MSFT:18.5%,US:65.0;EU:16.3;APAC:11.1;EM:7.2;Other:0.4,Value:-0.6;Growth:-0.1;Quality:+0.5;Size:-0.8;Momentum:-0.8;LowVol:-0.7,NoDerivatives,7,35,5.6,trailing 7%,264,25.1,Bull,17.0,4.82,3.5,87,10,47,48,false,Buy,Add to core equity +1%,29,7,BrokerD,VWAP,89,None,None,Normal monitoring,48,-6,66,4,false,Increase defensive factor exposure
P7027,Cautious,Taxable,USD,2024-11-11,667115,105644,561471,1.0,43.3,38.9,7.1,10.7,TSLA:24.5%;AAPL:10.7%;BRK.B:21.9%;MSFT:24.5%;XLF:18.4%,US:66.7;EU:16.4;APAC:6.0;EM:9.9;Other:1.0,Value:-0.3;Growth:-0.5;Quality:+0.9;Size:-0.7;Momentum:+0.6;LowVol:-0.3,ESGOnly;NoMargin,7,30,5.6,hard 10%,116,17.3,Sideways,18.8,4.79,2.6,130,41,73,33,false,NoAction,Within bands; monitor,-5,9,BrokerD,VWAP,98,None,None,Normal monitoring,-1,-6,20,4,false,Within IPS guidelines
P7028,Cautious,IRA,USD,2024-07-11,682856,76279,606577,1.0,38.1,39.4,4.9,17.6,XLF:17.9%;MUB:19.0%;TSLA:18.3%;HYG:5.4%;BRK.B:19.3%;VOO:20.0%,US:63.0;EU:13.4;APAC:9.3;EM:11.4;Other:2.9,Value:-0.2;Growth:+0.2;Quality:-0.6;Size:-0.5;Momentum:+0.4;LowVol:-0.6,NoMargin,6,25,4.1,trailing 10%,147,19.5,Bear,23.2,3.2,2.1,190,-67,19,56,false,Sell,Trim extended winner -1%,12,11,BrokerC,LMT,85,None,None,Normal monitoring,47,-34,144,5,false,Tax-aware sells next window
P7029,Active,Trust,USD,2025-09-06,1198938,109618,1089320,1.0,51.4,25.1,14.1,9.3,MSFT:16.9%;VNQ:21.3%;IEF:15.4%;BRK.B:20.0%;TSLA:19.6%;HYG:6.8%,US:69.8;EU:14.2;APAC:9.3;EM:4.1;Other:2.6,Value:+0.5;Growth:-0.1;Quality:+0.1;Size:+0.6;Momentum:-0.5;LowVol:-0.3,MaxPos8%,8,30,5.5,trailing 8%,211,27.3,Volatile,22.0,4.29,3.4,141,-52,13,46,false,Rebalance,Shift +1% to bonds from equity,23,11,BrokerC,MKT,92,None,None,Normal monitoring,-49,11,57,4,false,Within IPS guidelines
P7030,Hands-off,Trust,USD,2025-04-20,172022,15672,156350,1.0,64.9,26.3,0.0,8.7,BRK.B:18.1%;QQQ:10.7%;XLF:22.3%;BND:15.8%;GLD:10.9%;TLT:22.3%,US:52.7;EU:17.1;APAC:15.1;EM:11.9;Other:3.3,Value:-0.1;Growth:-0.0;Quality:-0.2;Size:-0.2;Momentum:+0.5;LowVol:+0.1,ESGOnly;NoDerivatives,6,25,4.2,trailing 8%,123,16.2,Bear,26.0,3.64,2.4,199,-84,5,60,false,Rebalance,Shift +1% to bonds from equity,-8,-21,BrokerB,MKT,91,None,None,Normal monitoring,-43,-14,-4,3,false,Within IPS guidelines
P7031,Cautious,Trust,USD,2025-03-16,856720,107606,749114,1.0,37.8,44.4,2.8,15.0,TLT:22.2%;TSLA:13.1%;HYG:12.3%;MUB:14.7%;IEF:22.2%;AAPL:15.5%,US:62.3;EU:10.5;APAC:15.8;EM:8.9;Other:2.6,Value:+0.1;Growth:+0.8;Quality:+0.1;Size:+0.6;Momentum:+0.7;LowVol:+1.0,ESGOnly;NoDerivatives;NoMargin,8,30,4.9,trailing 8%,110,16.1,Volatile,23.0,3.69,2.1,171,-8,58,39,false,Hedge,Add TLT +1% as duration hedge,-3,-35,BrokerC,MKT,100,None,None,Normal monitoring,-26,-3,98,5,false,Tax-aware sells next window
P7032,Hands-off,Roth,USD,2025-09-20,873565,41994,831571,1.0,60.8,30.0,0.4,8.8,GLD:34.0%;TSLA:31.9%;IEF:34.0%,US:59.4;EU:16.7;APAC:13.2;EM:7.4;Other:3.4,Value:+0.5;Growth:+0.4;Quality:+0.6;Size:+0.1;Momentum:+0.3;LowVol:-0.3,NoDerivatives,10,30,4.7,trailing 8%,113,12.4,Bull,17.4,4.5,2.1,83,106,100,54,false,Sell,Trim extended winner -1%,-5,0,BrokerB,MKT,92,None,None,Normal monitoring,80,-21,141,5,false,Within IPS guidelines
P7033,Systematic,401k,USD,2025-03-10,802535,39657,762878,1.0,61.5,31.2,0.0,7.2,QQQ:31.3%;AAPL:34.3%;VNQ:34.3%,US:61.1;EU:15.2;APAC:13.5;EM:9.5;Other:0.7,Value:-0.3;Growth:-0.4;Quality:+0.3;Size:-0.4;Momentum:+0.3;LowVol:+0.8,,8,35,5.8,hard 12%,198,16.4,Bull,16.5,3.85,2.9,116,110,100,53,false,Buy,Add to core equity +1%,-10,-26,BrokerC,VWAP,90,None,None,Normal monitoring,120,-25,129,5,false,Increase defensive factor exposure
P7034,Active,Trust,USD,2025-01-22,2077036,193894,1883142,1.0,50.2,27.4,16.8,5.6,MUB:14.3%;QQQ:24.7%;BND:24.7%;AMZN:14.4%;GLD:21.8%,US:62.6;EU:16.4;APAC:10.5;EM:6.7;Other:3.7,Value:+0.4;Growth:+0.2;Quality:-0.2;Size:-0.8;Momentum:+0.3;LowVol:+0.2,NoDerivatives,7,35,4.5,trailing 8%,188,18.8,Bear,34.2,4.1,2.1,154,-41,21,76,true,Hedge,Buy index puts 1% notional,26,-27,BrokerA,MKT,89,Drift>tolerance,Hedge,Allocation drift beyond policy bands,73,10,104,3,false,Within IPS guidelines
P7035,Cautious,IRA,USD,2025-02-23,798674,98809,699865,1.0,38.9,35.1,10.0,16.0,TLT:24.0%;MUB:25.3%;VNQ:25.3%;HYG:25.3%,US:63.1;EU:13.9;APAC:11.7;EM:7.9;Other:3.4,Value:+1.0;Growth:-0.7;Quality:+0.6;Size:+0.7;Momentum:-0.4;LowVol:+0.7,ESGOnly;NoDerivatives;NoMargin,6,35,5.8,trailing 10%,158,16.5,Bull,16.1,4.4,3.0,109,113,98,41,false,Rebalance,Shift +1% to bonds from equity,29,14,BrokerA,MKT,88,None,None,Normal monitoring,-53,-42,-68,4,false,Monitor dispersion and breadth
P7036,Systematic,IRA,USD,2025-12-10,1622483,148687,1473796,1.0,59.4,28.5,3.7,8.4,VNQ:33.3%;IEF:33.3%;AMZN:33.3%,US:61.4;EU:20.1;APAC:5.7;EM:11.6;Other:1.2,Value:+0.3;Growth:-0.4;Quality:+0.8;Size:-0.9;Momentum:-0.1;LowVol:-0.3,MaxPos8%;NoDerivatives,8,25,4.2,trailing 8%,179,24.2,Sideways,19.3,3.76,2.7,108,44,68,63,false,Buy,Add to core equity +1%,29,-9,BrokerB,MKT,99,None,None,Normal monitoring,-51,-47,66,3,false,Increase defensive factor exposure
P7037,Active,Trust,USD,2025-05-05,1549086,123082,1426004,1.0,59.1,29.3,3.9,7.7,VOO:25.0%;BRK.B:25.0%;AMZN:25.0%;VNQ:25.0%,US:59.9;EU:12.9;APAC:16.2;EM:10.1;Other:0.9,Value:-0.2;Growth:+0.2;Quality:+1.0;Size:+0.7;Momentum:-0.2;LowVol:-0.5,NoDerivatives,6,25,5.3,trailing 8%,170,24.4,Sideways,16.2,3.73,2.4,128,58,94,52,false,NoAction,Within bands; monitor,7,-23,BrokerB,LMT,85,None,None,Normal monitoring,53,-18,93,5,false,Monitor dispersion and breadth
P7038,Opportunistic,Roth,USD,2024-07-28,1050884,81430,969454,1.0,61.4,21.2,9.5,7.9,BND:12.4%;VTI:15.1%;HYG:21.4%;MSFT:21.4%;VNQ:21.4%;MUB:8.4%,US:64.3;EU:15.5;APAC:8.3;EM:9.4;Other:2.5,Value:+0.9;Growth:-0.7;Quality:+0.7;Size:+0.3;Momentum:+0.2;LowVol:-0.8,MaxPos5%,5,30,5.8,trailing 7%,216,22.4,Volatile,28.5,3.58,4.4,154,-56,31,82,true,Rebalance,Rebalance back to target bands,1,-14,BrokerC,LMT,100,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,61,3,134,4,false,Tax-aware sells next window
P7039,Active,IRA,USD,2024-12-07,1911713,166719,1744994,1.0,52.4,31.1,8.7,7.7,MSFT:14.3%;AAPL:17.6%;BRK.B:17.5%;VOO:17.1%;XLF:15.2%;HYG:18.3%,US:72.9;EU:12.5;APAC:7.2;EM:6.3;Other:1.0,Value:+0.7;Growth:-0.0;Quality:+0.6;Size:-0.5;Momentum:+0.1;LowVol:-0.2,,10,30,6.0,trailing 8%,180,28.0,Volatile,20.1,4.72,2.9,158,45,84,43,false,NoAction,Within bands; monitor,22,-9,BrokerB,LMT,91,None,None,Normal monitoring,-21,-39,71,4,false,Within IPS guidelines
P7040,Opportunistic,Taxable,USD,2024-10-12,1787628,67201,1720427,1.0,62.5,18.0,11.1,8.4,VNQ:26.3%;IEF:26.3%;BND:26.3%;AAPL:21.2%,US:71.9;EU:8.2;APAC:7.3;EM:10.2;Other:2.5,Value:+0.5;Growth:-0.3;Quality:-0.7;Size:+0.1;Momentum:-0.2;LowVol:+0.9,MaxPos5%,7,25,5.7,trailing 9%,185,20.9,Volatile,24.8,4.37,3.5,155,-40,37,59,true,Hedge,Buy index puts 1% notional,-14,-29,BrokerA,LMT,93,RegimeShift,Hedge,Volatility spike and breadth deterioration,24,-30,154,4,false,Tighten stops on momentum names
P7041,Cautious,Taxable,USD,2025-01-27,550432,54918,495514,1.0,47.9,40.1,0.0,11.9,HYG:20.2%;TSLA:19.2%;AMZN:12.7%;XLF:16.8%;GLD:17.0%;AAPL:14.1%,US:63.9;EU:19.6;APAC:6.0;EM:8.7;Other:1.7,Value:-0.5;Growth:+0.9;Quality:+0.2;Size:+0.1;Momentum:-0.5;LowVol:-0.1,MaxPos5%;NoMargin,6,35,3.6,trailing 8%,166,16.8,Volatile,28.5,5.32,3.0,132,-49,19,75,true,Hedge,Buy index puts 1% notional,-4,7,BrokerC,VWAP,88,RegimeShift,Hedge,Volatility spike and breadth deterioration,-5,-19,8,4,false,Within IPS guidelines
P7042,Cautious,Taxable,USD,2025-07-16,162044,18837,143207,1.0,37.5,30.8,18.3,13.3,IEF:16.5%;TLT:21.1%;BND:13.1%;VTI:21.1%;QQQ:16.2%;AMZN:11.9%,US:73.0;EU:9.3;APAC:9.1;EM:6.4;Other:2.1,Value:+1.0;Growth:-0.7;Quality:+0.8;Size:-0.1;Momentum:+0.5;LowVol:+0.2,NoDerivatives;NoMargin,6,35,3.6,trailing 10%,140,12.8,Bear,27.1,4.41,1.8,192,-104,13,53,false,Rebalance,Shift +1% to bonds from equity,10,-28,BrokerC,VWAP,89,None,None,Normal monitoring,25,20,41,4,false,Tax-aware sells next window
P7043,Hands-off,Taxable,USD,2025-01-08,514448,36998,477450,1.0,57.4,20.1,14.3,8.2,VNQ:28.1%;AAPL:28.1%;IEF:15.6%;AMZN:28.1%,US:62.7;EU:13.0;APAC:12.5;EM:9.0;Other:2.8,Value:+0.6;Growth:-0.4;Quality:+0.1;Size:-0.7;Momentum:+0.6;LowVol:+0.5,MaxPos6%,5,25,3.1,trailing 8%,111,19.3,Bull,12.6,3.6,2.1,72,84,78,31,false,Hedge,Add TLT +1% as duration hedge,10,-22,BrokerA,LMT,98,None,None,Normal monitoring,99,-16,188,4,false,Monitor dispersion and breadth
P7044,Cautious,Roth,USD,2024-10-09,603286,64005,539281,1.0,50.1,35.0,3.0,11.9,MSFT:33.3%;TLT:33.3%;XLF:33.3%,US:61.8;EU:15.7;APAC:12.1;EM:7.2;Other:3.2,Value:+0.2;Growth:+0.7;Quality:-0.2;Size:-0.6;Momentum:-0.5;LowVol:+0.7,ESGOnly;NoDerivatives;NoMargin,10,30,3.7,trailing 8%,170,19.4,Bull,11.8,3.66,2.5,110,80,100,42,false,Rebalance,Shift +1% to bonds from equity,23,0,BrokerD,MKT,94,None,None,Normal monitoring,110,-46,79,5,false,Increase defensive factor exposure
P7045,Hands-off,IRA,USD,2024-11-16,458617,33854,424763,1.0,60.6,30.0,1.0,8.4,VOO:33.5%;TLT:33.5%;AMZN:33.0%,US:65.3;EU:14.9;APAC:8.0;EM:8.0;Other:3.9,Value:+0.6;Growth:+0.4;Quality:-0.1;Size:-0.7;Momentum:-0.1;LowVol:-0.6,ESGOnly,7,25,5.8,hard 10%,118,13.2,Volatile,24.9,4.04,3.3,121,-55,24,69,false,Sell,Trim extended winner -1%,25,-6,BrokerC,MKT,92,None,None,Normal monitoring,16,-24,77,5,false,Tax-aware sells next window
P7046,Active,401k,USD,2025-06-23,935491,64831,870660,1.0,51.9,25.2,17.0,5.9,HYG:18.9%;VTI:22.8%;MSFT:22.3%;IEF:22.8%;BRK.B:13.1%,US:65.7;EU:15.8;APAC:12.1;EM:6.1;Other:0.3,Value:+0.4;Growth:-0.3;Quality:+0.2;Size:+0.3;Momentum:+1.0;LowVol:-0.5,,10,35,4.6,trailing 8%,166,21.5,Bull,14.3,4.55,3.3,81,22,76,32,false,NoAction,Within bands; monitor,-7,-17,BrokerC,MKT,0,None,None,Normal monitoring,114,19,173,3,false,Increase defensive factor exposure
P7047,Opportunistic,Taxable,USD,2024-10-01,1116580,83901,1032679,1.24,74.7,20.4,0.0,4.9,TSLA:25.5%;VNQ:10.8%;MUB:12.8%;HYG:25.5%;VOO:25.5%,US:63.6;EU:15.6;APAC:9.7;EM:7.0;Other:4.1,Value:+0.8;Growth:-0.6;Quality:-0.3;Size:-0.0;Momentum:-0.3;LowVol:-0.1,,7,30,4.6,trailing 7%,261,24.6,Volatile,22.8,3.64,4.0,119,42,66,71,true,Rebalance,Rebalance back to target bands,-10,12,BrokerA,MKT,99,Drift>tolerance,Reduce,Allocation drift beyond policy bands,6,-9,1,3,false,Within IPS guidelines
P7048,Systematic,Roth,USD,2025-08-04,688301,56721,631580,1.0,61.2,33.7,0.0,5.0,QQQ:17.7%;BRK.B:20.7%;VOO:13.7%;AAPL:6.6%;HYG:20.6%;MUB:20.7%,US:65.2;EU:17.0;APAC:12.2;EM:2.6;Other:2.9,Value:-0.6;Growth:-0.2;Quality:-0.8;Size:-0.6;Momentum:-0.3;LowVol:-0.2,MaxPos8%;NoDerivatives,6,25,5.7,trailing 8%,185,19.2,Volatile,26.2,3.63,2.1,136,61,88,73,true,Rebalance,Rebalance back to target bands,10,5,BrokerA,LMT,95,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,62,-17,159,4,false,Tax-aware sells next window
P7049,Hands-off,Roth,USD,2024-08-05,303810,12875,290935,1.0,73.9,17.1,1.7,7.3,AAPL:17.8%;IEF:16.5%;HYG:11.7%;VNQ:22.2%;BRK.B:9.6%;VOO:22.2%,US:71.5;EU:7.1;APAC:10.9;EM:9.7;Other:0.8,Value:-0.0;Growth:-0.6;Quality:-0.6;Size:-0.9;Momentum:-0.6;LowVol:-0.0,,10,30,4.8,trailing 8%,94,15.6,Volatile,23.6,5.34,2.5,155,63,70,67,false,NoAction,Within bands; monitor,12,-23,BrokerC,LMT,86,None,None,Normal monitoring,9,-45,125,5,false,Increase defensive factor exposure
P7050,Active,IRA,USD,2025-02-22,1566117,117086,1449031,1.0,56.6,20.5,15.6,7.2,XLF:25.0%;BRK.B:25.0%;VTI:25.0%;AAPL:25.0%,US:59.7;EU:17.8;APAC:14.2;EM:6.2;Other:2.0,Value:-0.6;Growth:+0.3;Quality:-0.9;Size:-0.9;Momentum:+0.2;LowVol:+0.2,MaxPos6%,6,35,4.5,hard 12%,154,21.2,Sideways,17.2,3.89,2.1,104,54,80,52,false,Rebalance,Shift +1% to bonds from equity,25,-31,BrokerB,VWAP,91,None,None,Normal monitoring,3,-40,131,3,false,Increase defensive factor exposure
P7051,Systematic,Trust,USD,2025-07-26,787825,33825,754000,1.0,68.2,23.2,1.8,6.8,VNQ:33.3%;AAPL:33.3%;TSLA:33.3%,US:68.2;EU:16.1;APAC:9.2;EM:3.0;Other:3.6,Value:-0.4;Growth:-0.1;Quality:+0.1;Size:+0.3;Momentum:+0.8;LowVol:-0.0,MaxPos5%,5,35,5.0,trailing 9%,221,26.6,Bull,12.1,3.77,3.2,91,0,47,55,false,Buy,Add to core equity +1%,10,-3,BrokerA,LMT,87,None,None,Normal monitoring,82,9,219,3,false,Tighten stops on momentum names
P7052,Cautious,Roth,USD,2025-01-01,425807,41681,384126,1.0,47.5,34.4,5.1,13.0,BND:33.3%;BRK.B:33.3%;HYG:33.3%,US:66.9;EU:11.4;APAC:10.6;EM:10.6;Other:0.5,Value:+0.9;Growth:-0.2;Quality:-0.2;Size:-0.1;Momentum:+0.4;LowVol:+0.9,NoDerivatives;NoMargin,8,35,5.9,trailing 8%,148,16.6,Bear,33.5,3.41,1.2,180,36,79,75,true,Reduce,"Cut high-beta by 2-3%, add cash",18,-8,BrokerA,MKT,92,VAR>budget,Hedge,Risk above budget threshold,43,-26,169,2,false,Monitor dispersion and breadth
P7053,Active,401k,USD,2025-10-06,2141027,225839,1915188,1.0,53.9,19.8,20.7,5.7,BRK.B:21.7%;MSFT:15.6%;XLF:21.7%;AAPL:21.7%;VNQ:9.8%;MUB:9.3%,US:69.7;EU:10.8;APAC:5.8;EM:10.1;Other:3.6,Value:+0.9;Growth:+0.1;Quality:+0.8;Size:-0.6;Momentum:-0.2;LowVol:-0.7,NoDerivatives,7,35,5.9,hard 12%,160,27.7,Bull,15.2,4.62,3.1,99,2,53,51,false,NoAction,Within bands; monitor,31,-26,BrokerA,VWAP,93,None,None,Normal monitoring,-49,-60,85,3,false,Within IPS guidelines
P7054,Active,IRA,USD,2025-08-17,1504835,148576,1356259,1.0,56.7,23.3,12.1,7.9,IEF:13.5%;MSFT:21.5%;AAPL:13.4%;AMZN:13.6%;VOO:16.6%;TSLA:21.5%,US:64.1;EU:18.5;APAC:9.3;EM:7.9;Other:0.2,Value:+0.7;Growth:+0.5;Quality:-0.4;Size:0.0;Momentum:-0.4;LowVol:-0.9,,10,35,5.6,hard 12%,155,26.2,Bull,15.1,4.95,2.4,117,56,67,54,false,Sell,Trim extended winner -1%,20,8,BrokerA,LMT,97,None,None,Normal monitoring,10,-55,13,4,false,Monitor dispersion and breadth
P7055,Cautious,Trust,USD,2025-07-08,307355,27861,279494,1.0,40.8,32.0,12.5,14.7,TLT:14.5%;TSLA:20.2%;XLF:23.4%;BRK.B:23.4%;VTI:18.5%,US:76.6;EU:8.0;APAC:7.1;EM:6.7;Other:1.6,Value:-0.8;Growth:+0.3;Quality:+0.5;Size:-0.1;Momentum:+0.7;LowVol:+0.8,ESGOnly;NoMargin,6,30,4.5,trailing 8%,140,17.2,Bull,15.5,4.36,3.3,88,101,94,37,false,Buy,Add to core equity +1%,33,7,BrokerA,VWAP,90,None,None,Normal monitoring,37,-1,161,5,false,Tighten stops on momentum names
P7056,Systematic,Trust,USD,2024-10-29,885738,76970,808768,1.0,62.3,24.8,3.0,9.8,BRK.B:37.7%;GLD:24.6%;BND:37.7%,US:73.5;EU:8.5;APAC:10.7;EM:4.7;Other:2.6,Value:+0.3;Growth:+0.1;Quality:-0.8;Size:+1.0;Momentum:+0.2;LowVol:+0.2,MaxPos8%;NoDerivatives,5,30,4.3,hard 12%,130,27.4,Bear,22.9,4.32,1.7,166,-20,32,53,false,Sell,Trim extended winner -1%,35,-13,BrokerA,MKT,85,None,None,Normal monitoring,84,-15,130,3,false,Tax-aware sells next window
P7057,Cautious,IRA,USD,2024-12-21,739233,86725,652508,1.0,35.6,42.2,5.1,17.1,HYG:24.3%;BND:25.2%;BRK.B:25.2%;VOO:25.2%,US:72.9;EU:6.1;APAC:10.7;EM:7.7;Other:2.6,Value:0.0;Growth:+0.9;Quality:+0.1;Size:+0.9;Momentum:+0.4;LowVol:+0.4,MaxPos6%;NoMargin,5,30,4.4,trailing 8%,146,17.6,Volatile,25.8,4.13,2.7,124,-18,46,43,false,Rebalance,Shift +1% to bonds from equity,11,0,BrokerC,LMT,86,None,None,Normal monitoring,-28,-32,-14,3,false,Tighten stops on momentum names
P7058,Opportunistic,401k,USD,2025-06-20,1216223,70325,1145898,1.0,60.4,16.7,14.0,8.9,TLT:30.8%;GLD:30.8%;BRK.B:17.7%;XLF:20.7%,US:65.1;EU:11.9;APAC:9.6;EM:10.5;Other:2.9,Value:+0.9;Growth:-0.4;Quality:+0.4;Size:+0.5;Momentum:-0.2;LowVol:-0.2,,6,35,4.2,trailing 9%,230,28.6,Sideways,20.4,4.38,3.2,117,23,53,49,false,Buy,Add to core equity +1%,-5,-36,BrokerB,LMT,88,None,None,Normal monitoring,119,-19,99,3,false,Increase defensive factor exposure
P7059,Cautious,Taxable,USD,2024-11-29,858746,114898,743848,1.0,50.1,35.4,0.0,14.5,HYG:35.6%;TSLA:28.8%;MSFT:35.6%,US:70.2;EU:13.9;APAC:5.6;EM:5.8;Other:4.4,Value:+0.4;Growth:-0.6;Quality:-0.2;Size:+0.2;Momentum:-0.8;LowVol:-0.4,ESGOnly;NoMargin,6,30,3.7,trailing 8%,97,14.7,Sideways,20.4,3.61,2.3,118,25,70,59,false,Rebalance,Shift +1% to bonds from equity,15,5,BrokerA,VWAP,85,None,None,Normal monitoring,120,10,195,4,false,Tighten stops on momentum names
P7060,Opportunistic,Trust,USD,2025-11-21,898730,68118,830612,1.0,64.0,21.1,8.4,6.5,VTI:33.3%;QQQ:33.3%;AAPL:33.3%,US:63.6;EU:13.9;APAC:10.9;EM:8.3;Other:3.4,Value:+0.5;Growth:+0.4;Quality:+0.8;Size:+0.4;Momentum:-0.5;LowVol:-0.9,MaxPos8%;NoDerivatives,7,30,6.7,hard 12%,223,29.1,Bull,11.2,4.08,2.1,87,40,74,39,false,Sell,Trim extended winner -1%,5,-4,BrokerD,MKT,100,None,None,Normal monitoring,-30,-43,19,5,false,Within IPS guidelines
P7061,Hands-off,Roth,USD,2024-10-09,613663,35198,578465,1.0,66.4,24.8,3.0,5.8,VNQ:23.2%;VOO:13.4%;BND:17.0%;XLF:23.2%;MUB:23.2%,US:56.2;EU:18.9;APAC:13.3;EM:7.6;Other:4.1,Value:-0.3;Growth:-0.8;Quality:-0.9;Size:+0.3;Momentum:+0.5;LowVol:+0.1,,10,25,4.0,trailing 8%,111,18.7,Bear,34.8,3.95,1.9,199,-33,41,95,true,Reduce,"Cut high-beta by 2-3%, add cash",-15,-38,BrokerC,MKT,93,VAR>budget,TightenStops,Risk above budget threshold,112,-55,192,5,false,Increase defensive factor exposure
P7062,Hands-off,Trust,USD,2024-10-21,456734,40756,415978,1.0,68.4,24.7,0.9,6.0,QQQ:25.5%;MSFT:25.5%;AMZN:25.5%;GLD:23.5%,US:64.7;EU:15.0;APAC:12.7;EM:6.8;Other:0.8,Value:+0.9;Growth:-0.7;Quality:-0.6;Size:+0.3;Momentum:-0.8;LowVol:+0.1,MaxPos5%,10,35,5.0,hard 10%,156,15.5,Volatile,28.4,4.69,3.2,174,-36,21,74,true,Rebalance,Rebalance back to target bands,8,13,BrokerD,LMT,96,Drift>tolerance,Reduce,Allocation drift beyond policy bands,119,-58,171,2,false,Within IPS guidelines
P7063,Cautious,Taxable,USD,2025-10-06,262959,35435,227524,1.0,35.5,38.6,13.7,12.2,VOO:21.1%;AAPL:21.1%;MUB:21.1%;IEF:11.5%;VTI:15.6%;TLT:9.7%,US:64.7;EU:21.8;APAC:7.5;EM:4.4;Other:1.6,Value:-0.0;Growth:+0.3;Quality:+0.7;Size:-0.9;Momentum:-0.7;LowVol:+0.6,ESGOnly;MaxPos5%;NoMargin,5,30,4.7,hard 10%,112,19.1,Bull,17.6,4.51,2.9,81,74,85,28,false,Rebalance,Shift +1% to bonds from equity,28,2,BrokerC,MKT,92,None,None,Normal monitoring,-33,-50,27,3,false,Within IPS guidelines
P7064,Systematic,Roth,USD,2025-11-14,1412986,129694,1283292,1.0,58.9,25.5,6.8,8.9,TLT:16.4%;VTI:11.9%;HYG:13.1%;AAPL:18.3%;BRK.B:20.2%;VNQ:20.2%,US:62.2;EU:15.9;APAC:12.8;EM:4.7;Other:4.4,Value:+0.7;Growth:-0.5;Quality:+0.2;Size:-0.5;Momentum:0.0;LowVol:-0.4,,8,25,4.5,trailing 8%,127,26.6,Bear,26.2,3.02,2.2,198,27,67,76,true,Hedge,Buy index puts 1% notional,-11,-38,BrokerA,LMT,86,VAR>budget,Hedge,Risk above budget threshold,42,-50,181,2,false,Tighten stops on momentum names
P7065,Active,Trust,USD,2025-07-14,1684754,122407,1562347,1.06,62.9,21.9,8.2,7.0,IEF:11.7%;QQQ:25.5%;BRK.B:25.5%;MSFT:13.0%;VOO:24.4%,US:70.6;EU:6.9;APAC:9.8;EM:9.0;Other:3.7,Value:-0.6;Growth:-0.6;Quality:-0.1;Size:-0.9;Momentum:-0.7;LowVol:+0.6,MaxPos7%,8,25,4.8,trailing 8%,185,26.8,Sideways,17.3,4.93,2.7,101,-7,31,62,false,Rebalance,Shift +1% to bonds from equity,23,-16,BrokerA,MKT,95,None,None,Normal monitoring,37,-45,104,4,false,Monitor dispersion and breadth
P7066,Hands-off,Roth,USD,2025-03-06,229132,14058,215074,1.0,58.4,25.8,7.8,7.9,VOO:20.0%;IEF:16.5%;MSFT:18.5%;GLD:11.2%;TSLA:15.8%;BND:17.9%,US:58.8;EU:15.3;APAC:10.4;EM:10.0;Other:5.5,Value:-0.1;Growth:+0.9;Quality:-0.5;Size:-0.6;Momentum:+1.0;LowVol:+0.1,ESGOnly;MaxPos7%,10,25,5.9,trailing 8%,120,15.7,Sideways,19.2,4.38,2.4,97,-8,48,57,false,Sell,Trim extended winner -1%,34,-39,BrokerA,LMT,99,None,None,Normal monitoring,112,-36,131,3,false,Tax-aware sells next window
P7067,Systematic,IRA,USD,2025-08-11,1349857,90409,1259448,1.0,56.0,33.6,4.4,6.0,TLT:22.4%;GLD:8.7%;MUB:18.9%;MSFT:8.2%;VNQ:22.4%;XLF:19.5%,US:72.3;EU:8.3;APAC:6.7;EM:6.9;Other:5.8,Value:-0.8;Growth:+0.3;Quality:+0.1;Size:-0.6;Momentum:-0.2;LowVol:-0.8,,6,25,4.7,hard 12%,131,27.5,Volatile,23.7,3.95,3.6,143,-54,16,66,false,Rebalance,Shift +1% to bonds from equity,25,14,BrokerD,LMT,93,None,None,Normal monitoring,-21,19,-60,3,false,Tax-aware sells next window
P7068,Opportunistic,Taxable,USD,2024-07-14,1048670,60053,988617,1.0,75.9,13.5,3.6,6.9,TLT:22.4%;HYG:13.2%;BND:9.2%;TSLA:22.4%;AMZN:16.7%;GLD:16.0%,US:66.8;EU:12.5;APAC:12.8;EM:7.7;Other:0.3,Value:+0.7;Growth:-0.4;Quality:+0.5;Size:-0.7;Momentum:+0.5;LowVol:+0.1,NoDerivatives,8,25,5.3,trailing 9%,259,22.1,Bull,17.4,3.56,2.1,79,101,100,66,false,Buy,Add to core equity +1%,-9,10,BrokerD,MKT,90,None,None,Normal monitoring,90,1,50,4,false,Tax-aware sells next window
P7069,Opportunistic,Trust,USD,2025-05-21,458477,37149,421328,1.24,62.3,19.0,12.5,6.2,AMZN:23.3%;VNQ:15.5%;QQQ:16.6%;MUB:21.3%;VTI:23.3%,US:69.1;EU:6.3;APAC:11.9;EM:7.7;Other:5.2,Value:+0.7;Growth:-0.3;Quality:+0.6;Size:-0.5;Momentum:+0.5;LowVol:-0.5,NoDerivatives,7,35,6.6,trailing 7%,168,27.6,Volatile,21.9,5.2,4.0,157,-6,35,55,false,Buy,Add to core equity +1%,31,9,BrokerD,MKT,97,None,None,Normal monitoring,115,-3,251,5,false,Tighten stops on momentum names
P7070,Hands-off,Taxable,USD,2024-11-28,488629,23366,465263,1.0,70.2,20.1,0.7,9.0,MUB:33.3%;TSLA:33.3%;IEF:33.3%,US:58.0;EU:12.8;APAC:13.5;EM:11.9;Other:3.8,Value:+0.9;Growth:-0.5;Quality:-0.8;Size:-0.1;Momentum:-0.3;LowVol:+0.2,ESGOnly;NoDerivatives,7,30,4.4,trailing 8%,128,16.9,Sideways,14.3,4.1,2.7,117,57,74,60,false,Rebalance,Shift +1% to bonds from equity,9,-12,BrokerA,VWAP,87,None,None,Normal monitoring,25,1,157,3,false,Tax-aware sells next window
P7071,Cautious,IRA,USD,2024-07-29,685689,57133,628556,1.0,40.2,41.2,5.4,13.2,MSFT:33.3%;MUB:33.3%;XLF:33.3%,US:62.8;EU:18.7;APAC:8.3;EM:5.6;Other:4.6,Value:+0.6;Growth:-0.3;Quality:-0.2;Size:-0.6;Momentum:+0.3;LowVol:+0.9,ESGOnly;NoMargin,7,30,5.6,trailing 8%,127,18.4,Sideways,19.7,4.94,3.3,133,-25,47,51,false,NoAction,Within bands; monitor,-7,-15,BrokerC,LMT,85,None,None,Normal monitoring,35,-31,21,4,false,Increase defensive factor exposure
P7072,Hands-off,IRA,USD,2024-07-04,482273,47881,434392,1.0,57.9,27.4,8.7,6.1,AAPL:33.3%;BND:33.3%;TLT:33.3%,US:71.0;EU:5.8;APAC:12.0;EM:8.9;Other:2.4,Value:+0.6;Growth:-0.7;Quality:-1.0;Size:0.0;Momentum:+0.8;LowVol:-1.0,ESGOnly;MaxPos5%,10,30,6.0,trailing 8%,110,17.6,Volatile,25.8,5.26,2.1,153,36,76,60,false,Buy,Add to core equity +1%,-9,-18,BrokerA,MKT,100,None,None,Normal monitoring,-50,-35,-73,4,false,Tighten stops on momentum names
P7073,Active,IRA,USD,2025-06-08,2247025,165937,2081088,1.0,57.9,29.6,4.7,7.8,GLD:8.0%;HYG:13.9%;MUB:14.1%;AAPL:22.8%;MSFT:22.8%;VOO:18.4%,US:72.8;EU:8.4;APAC:6.0;EM:8.8;Other:4.1,Value:0.0;Growth:-0.7;Quality:+0.4;Size:-0.4;Momentum:-0.2;LowVol:+0.3,,10,35,5.1,trailing 9%,228,25.1,Bear,32.8,3.55,1.4,196,34,61,87,true,Hedge,Buy index puts 1% notional,2,-36,BrokerA,MKT,89,Drift>tolerance,Hedge,Allocation drift beyond policy bands,91,-29,200,3,false,Tax-aware sells next window
P7074,Opportunistic,401k,USD,2025-06-13,916578,28096,888482,1.05,69.5,13.8,11.7,5.0,TLT:22.3%;MUB:22.3%;MSFT:22.3%;TSLA:22.3%;BRK.B:10.7%,US:63.2;EU:13.5;APAC:12.9;EM:8.0;Other:2.4,Value:-0.1;Growth:+0.1;Quality:-0.4;Size:+0.4;Momentum:+0.4;LowVol:-0.6,NoDerivatives,10,25,5.8,hard 12%,170,23.5,Bull,11.2,4.18,2.4,73,10,48,52,false,Sell,Trim extended winner -1%,-14,-20,BrokerA,LMT,93,None,None,Normal monitoring,63,-31,128,3,false,Tighten stops on momentum names
P7075,Systematic,Roth,USD,2024-11-10,991749,56788,934961,1.0,69.5,21.5,3.6,5.4,MSFT:27.6%;TSLA:27.6%;XLF:17.3%;TLT:27.6%,US:60.9;EU:18.9;APAC:6.0;EM:10.3;Other:3.8,Value:+0.4;Growth:-0.8;Quality:-0.6;Size:+0.8;Momentum:0.0;LowVol:+0.2,MaxPos6%,5,25,4.8,trailing 8%,214,18.3,Bull,17.0,4.38,3.1,120,18,64,46,true,Hedge,Buy index puts 1% notional,33,5,BrokerB,MKT,90,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-36,-16,53,5,false,Increase defensive factor exposure
P7076,Cautious,IRA,USD,2024-10-06,395630,62602,333028,1.0,39.3,45.0,3.4,12.3,MSFT:17.5%;AMZN:20.0%;XLF:16.2%;TSLA:18.1%;AAPL:10.6%;TLT:17.7%,US:67.0;EU:16.7;APAC:7.4;EM:7.6;Other:1.2,Value:+0.6;Growth:-0.7;Quality:+0.9;Size:-0.4;Momentum:+0.4;LowVol:-0.9,ESGOnly;NoMargin,6,30,4.7,trailing 10%,132,14.0,Volatile,21.2,3.85,4.0,131,-9,56,45,false,Sell,Trim extended winner -1%,-4,4,BrokerB,LMT,92,None,None,Normal monitoring,107,0,139,3,false,Within IPS guidelines
P7077,Hands-off,Roth,USD,2024-08-14,498104,45483,452621,1.0,56.5,23.0,10.7,9.9,VNQ:22.3%;AAPL:22.3%;VTI:20.6%;VOO:22.3%;TLT:12.5%,US:61.1;EU:11.7;APAC:12.3;EM:10.8;Other:4.2,Value:-0.4;Growth:-0.0;Quality:-0.9;Size:-0.9;Momentum:+0.6;LowVol:-0.6,ESGOnly,10,25,3.2,trailing 8%,170,16.5,Bear,30.0,3.77,2.3,199,16,62,79,true,Rebalance,Rebalance back to target bands,22,-34,BrokerB,LMT,90,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-3,-17,43,5,false,Increase defensive factor exposure
P7078,Systematic,IRA,USD,2024-11-05,429512,25432,404080,1.0,65.4,26.8,0.0,7.8,BRK.B:21.5%;QQQ:21.1%;AAPL:14.3%;VNQ:21.5%;BND:21.5%,US:68.0;EU:17.7;APAC:9.1;EM:4.9;Other:0.4,Value:0.0;Growth:-0.5;Quality:+0.6;Size:+0.7;Momentum:+0.2;LowVol:-0.3,MaxPos6%,8,35,4.2,hard 12%,171,25.5,Bear,22.4,3.52,1.8,179,20,45,66,true,Hedge,Buy index puts 1% notional,27,-2,BrokerD,LMT,90,RegimeShift,Pause,Volatility spike and breadth deterioration,-27,-4,-45,4,false,Monitor dispersion and breadth
P7079,Active,Taxable,USD,2025-05-28,830743,99599,731144,1.0,63.3,27.5,2.3,6.8,MSFT:8.4%;TSLA:13.1%;VNQ:20.8%;BND:18.4%;VTI:20.8%;MUB:18.5%,US:54.1;EU:18.8;APAC:12.4;EM:11.0;Other:3.7,Value:-0.3;Growth:-0.6;Quality:-0.6;Size:-0.3;Momentum:-0.2;LowVol:+0.7,MaxPos8%,6,35,4.6,hard 12%,154,26.1,Volatile,30.3,4.67,2.4,152,21,46,75,true,Hedge,Buy index puts 1% notional,30,-14,BrokerD,LMT,85,RegimeShift,TightenStops,Volatility spike and breadth deterioration,-10,-25,-5,4,false,Within IPS guidelines
P7080,Active,Taxable,USD,2024-11-23,2170755,141207,2029548,1.0,51.2,25.6,16.3,6.9,VOO:14.0%;BRK.B:22.7%;GLD:11.6%;XLF:17.0%;VTI:12.0%;QQQ:22.7%,US:78.4;EU:7.6;APAC:7.3;EM:4.6;Other:2.1,Value:+0.3;Growth:0.0;Quality:+0.6;Size:+0.4;Momentum:-0.3;LowVol:-0.4,MaxPos5%;NoDerivatives,7,25,5.9,trailing 8%,219,21.5,Volatile,26.1,3.58,3.9,115,25,65,68,false,Sell,Trim extended winner -1%,34,-35,BrokerD,MKT,88,None,None,Normal monitoring,-20,-29,-14,4,false,Monitor dispersion and breadth
P7081,Opportunistic,Taxable,USD,2025-04-21,1520374,68970,1451404,1.08,68.7,11.4,14.4,5.5,IEF:33.3%;XLF:33.3%;VTI:33.3%,US:57.4;EU:18.2;APAC:16.8;EM:5.8;Other:1.9,Value:-0.1;Growth:+0.3;Quality:-0.5;Size:0.0;Momentum:+0.9;LowVol:-0.9,,10,25,4.9,trailing 7%,276,25.3,Bull,18.0,4.7,2.9,90,109,95,59,false,Buy,Add to core equity +1%,26,-25,BrokerC,MKT,99,None,None,Normal monitoring,5,-1,-13,3,false,Monitor dispersion and breadth
P7082,Hands-off,Trust,USD,2025-10-08,241545,18800,222745,1.0,67.5,23.6,3.1,5.7,TLT:23.7%;TSLA:21.7%;AMZN:23.7%;VNQ:20.4%;HYG:10.4%,US:68.2;EU:5.1;APAC:11.3;EM:10.6;Other:4.8,Value:-0.6;Growth:+0.9;Quality:+0.7;Size:+0.3;Momentum:+0.9;LowVol:+0.2,ESGOnly,5,25,3.4,trailing 8%,144,15.5,Volatile,23.2,4.06,2.2,145,-52,26,56,false,Buy,Add to core equity +1%,-8,-25,BrokerA,LMT,89,None,None,Normal monitoring,57,-33,125,5,false,Tax-aware sells next window
P7083,Cautious,Trust,USD,2025-10-13,417499,33784,383715,1.0,47.6,38.0,0.0,14.4,AMZN:33.3%;QQQ:33.3%;VTI:33.3%,US:62.2;EU:10.5;APAC:9.9;EM:11.8;Other:5.6,Value:-0.8;Growth:-0.4;Quality:+0.2;Size:-0.8;Momentum:-0.1;LowVol:-0.9,ESGOnly;MaxPos6%;NoMargin,10,35,5.7,trailing 8%,132,14.7,Bull,16.4,3.54,2.7,117,94,100,47,false,Hedge,Add TLT +1% as duration hedge,20,-38,BrokerC,LMT,86,None,None,Normal monitoring,-37,-41,-19,4,false,Increase defensive factor exposure
P7084,Cautious,IRA,USD,2025-07-17,494004,61812,432192,1.0,43.5,35.5,8.2,12.7,TSLA:24.1%;TLT:15.0%;QQQ:12.7%;AAPL:24.1%;GLD:24.1%,US:65.8;EU:12.2;APAC:11.5;EM:8.4;Other:2.1,Value:+0.3;Growth:-0.3;Quality:-0.6;Size:+0.9;Momentum:+0.6;LowVol:+0.3,ESGOnly;MaxPos6%;NoDerivatives;NoMargin,8,30,5.4,trailing 8%,169,15.9,Bull,15.4,4.86,2.3,75,3,50,44,true,Reduce,"Cut high-beta by 2-3%, add cash",7,-14,BrokerC,LMT,95,VAR>budget,Hedge,Risk above budget threshold,8,4,118,5,false,Tax-aware sells next window
P7085,Opportunistic,IRA,USD,2024-10-15,971257,35437,935820,1.0,62.5,15.0,14.9,7.7,GLD:33.5%;QQQ:33.5%;BRK.B:33.0%,US:79.6;EU:8.2;APAC:7.1;EM:4.6;Other:0.5,Value:+0.5;Growth:-0.4;Quality:+0.3;Size:-0.4;Momentum:+0.8;LowVol:+1.0,NoDerivatives,7,35,5.8,hard 12%,271,27.4,Volatile,24.4,4.55,3.8,158,3,48,57,false,Sell,Trim extended winner -1%,20,-20,BrokerA,VWAP,93,None,None,Normal monitoring,50,9,67,4,false,Within IPS guidelines
P7086,Active,Roth,USD,2024-08-12,2110910,135358,1975552,1.0,56.3,30.5,4.3,8.9,IEF:34.9%;HYG:34.9%;QQQ:30.2%,US:65.8;EU:15.8;APAC:5.7;EM:9.2;Other:3.5,Value:+0.1;Growth:-0.6;Quality:-0.8;Size:-0.6;Momentum:+0.8;LowVol:-0.2,NoDerivatives,6,25,5.5,trailing 9%,128,22.9,Sideways,18.2,3.88,2.9,123,-14,36,51,false,Sell,Trim extended winner -1%,17,-3,BrokerD,MKT,94,None,None,Normal monitoring,-10,-13,123,4,false,Tighten stops on momentum names
P7087,Hands-off,401k,USD,2025-08-28,758917,65447,693470,1.0,70.8,23.4,0.0,5.8,VNQ:12.9%;QQQ:26.4%;AMZN:12.7%;BND:26.4%;VOO:21.7%,US:63.3;EU:15.1;APAC:14.1;EM:3.6;Other:3.9,Value:-0.5;Growth:-0.9;Quality:+0.6;Size:-0.8;Momentum:-0.2;LowVol:0.0,,5,30,3.0,trailing 8%,138,17.4,Sideways,21.5,3.62,3.2,125,34,77,58,false,Sell,Trim extended winner -1%,5,13,BrokerA,LMT,87,None,None,Normal monitoring,-57,9,31,4,false,Within IPS guidelines
P7088,Active,Taxable,USD,2025-04-30,1560926,167830,1393096,1.18,57.0,26.0,8.0,8.9,VNQ:27.6%;XLF:27.6%;TSLA:17.1%;TLT:27.6%,US:69.4;EU:15.2;APAC:9.1;EM:3.4;Other:3.0,Value:+0.4;Growth:-0.7;Quality:0.0;Size:-0.5;Momentum:-0.8;LowVol:-0.0,MaxPos5%;NoDerivatives,5,25,5.4,trailing 9%,135,21.1,Volatile,25.2,5.13,2.3,122,-44,35,60,false,Hedge,Add TLT +1% as duration hedge,30,-12,BrokerD,LMT,96,None,None,Normal monitoring,8,-7,74,3,false,Within IPS guidelines
P7089,Systematic,401k,USD,2024-09-03,1205452,91589,1113863,1.0,59.8,30.2,4.1,5.9,VTI:20.4%;TLT:20.1%;BND:23.6%;TSLA:23.6%;HYG:12.3%,US:62.3;EU:15.8;APAC:13.7;EM:7.8;Other:0.5,Value:+0.7;Growth:-0.9;Quality:-0.1;Size:-1.0;Momentum:+0.5;LowVol:-0.3,MaxPos8%,5,25,5.8,trailing 9%,131,25.4,Volatile,20.7,4.47,3.3,130,-9,45,60,false,NoAction,Within bands; monitor,26,1,BrokerC,VWAP,100,None,None,Normal monitoring,90,-54,171,4,false,Within IPS guidelines
P7090,Active,Trust,USD,2025-12-12,907622,66731,840891,1.24,57.2,19.6,14.8,8.4,GLD:14.7%;MUB:22.8%;QQQ:22.8%;TSLA:16.7%;AAPL:22.8%,US:78.2;EU:8.3;APAC:8.9;EM:3.4;Other:1.3,Value:-0.2;Growth:+0.6;Quality:+0.8;Size:-0.9;Momentum:-0.2;LowVol:+1.0,MaxPos5%,5,35,5.6,trailing 9%,149,21.6,Bull,15.9,3.52,3.5,109,77,73,48,false,Sell,Trim extended winner -1%,35,-24,BrokerB,MKT,96,None,None,Normal monitoring,63,-23,52,4,false,Tighten stops on momentum names
P7091,Cautious,Roth,USD,2024-09-01,664808,61566,603242,1.0,47.3,41.1,0.0,11.5,VTI:23.4%;MUB:13.2%;IEF:23.4%;XLF:16.5%;VOO:23.4%,US:76.7;EU:6.8;APAC:6.5;EM:8.8;Other:1.2,Value:+0.5;Growth:+0.6;Quality:-0.4;Size:-0.1;Momentum:+0.1;LowVol:-0.4,ESGOnly;MaxPos5%;NoDerivatives;NoMargin,7,25,5.6,trailing 10%,127,19.9,Volatile,23.0,4.66,2.9,163,77,89,47,false,Buy,Add to core equity +1%,5,1,BrokerA,VWAP,89,None,None,Normal monitoring,22,-13,57,3,false,Tax-aware sells next window
P7092,Opportunistic,Taxable,USD,2025-06-04,1248688,65296,1183392,1.13,68.4,17.0,6.7,8.0,QQQ:22.0%;IEF:22.0%;HYG:13.9%;VTI:20.2%;TLT:22.0%,US:65.5;EU:10.6;APAC:16.8;EM:6.9;Other:0.3,Value:-0.5;Growth:+0.2;Quality:+0.2;Size:+0.5;Momentum:-0.4;LowVol:+0.5,,7,25,5.0,hard 12%,236,24.8,Bull,17.9,4.73,2.8,112,2,42,54,true,Reduce,"Cut high-beta by 2-3%, add cash",18,-11,BrokerC,VWAP,99,RegimeShift,Reduce,Volatility spike and breadth deterioration,23,-36,32,5,false,Increase defensive factor exposure
P7093,Cautious,Taxable,USD,2024-10-06,175200,15920,159280,1.0,50.9,32.4,0.0,16.8,AMZN:33.6%;XLF:33.6%;MSFT:32.8%,US:59.2;EU:16.9;APAC:9.8;EM:11.2;Other:2.9,Value:+0.4;Growth:+0.3;Quality:+0.2;Size:+0.2;Momentum:-0.5;LowVol:+0.6,NoMargin,10,25,3.7,trailing 10%,128,14.3,Volatile,23.1,4.87,4.0,170,79,93,49,false,Sell,Trim extended winner -1%,26,-25,BrokerB,LMT,91,None,None,Normal monitoring,118,17,198,5,false,Increase defensive factor exposure
P7094,Hands-off,401k,USD,2025-03-12,669653,53431,616222,1.0,65.5,25.1,3.1,6.3,VTI:30.2%;QQQ:34.9%;MSFT:34.9%,US:65.8;EU:6.4;APAC:14.4;EM:8.5;Other:4.8,Value:+0.9;Growth:+0.6;Quality:-0.2;Size:+0.2;Momentum:+1.0;LowVol:-0.1,ESGOnly,10,25,3.9,trailing 8%,166,19.3,Sideways,21.5,4.17,3.1,117,38,67,62,false,Sell,Trim extended winner -1%,6,-32,BrokerD,MKT,99,None,None,Normal monitoring,91,14,218,4,false,Tax-aware sells next window
P7095,Opportunistic,Trust,USD,2025-01-18,588724,27919,560805,1.0,70.8,13.7,8.0,7.4,TLT:19.5%;XLF:26.8%;VNQ:26.8%;AAPL:26.8%,US:71.9;EU:6.3;APAC:11.2;EM:10.0;Other:0.6,Value:+0.1;Growth:+0.4;Quality:+1.0;Size:+0.3;Momentum:+0.5;LowVol:-0.9,MaxPos5%,8,25,6.3,trailing 7%,254,33.6,Bear,32.3,3.45,2.4,187,31,62,82,true,Rebalance,Rebalance back to target bands,0,-2,BrokerD,MKT,92,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-28,-27,-55,2,false,Monitor dispersion and breadth
P7096,Hands-off,Taxable,USD,2024-11-19,545135,53619,491516,1.0,68.9,24.3,0.0,6.8,AMZN:20.0%;GLD:9.4%;MUB:23.5%;MSFT:23.5%;VNQ:23.5%,US:65.7;EU:14.3;APAC:9.9;EM:9.3;Other:0.8,Value:+0.8;Growth:+0.1;Quality:-0.4;Size:-0.7;Momentum:+0.8;LowVol:-0.5,,10,35,5.3,trailing 8%,100,19.4,Sideways,17.0,4.46,2.2,118,8,56,57,false,Sell,Trim extended winner -1%,22,-28,BrokerA,VWAP,96,None,None,Normal monitoring,-2,-7,31,4,false,Tax-aware sells next window
P7097,Hands-off,Roth,USD,2025-11-10,534271,23182,511089,1.0,65.1,28.1,0.0,6.7,XLF:23.6%;IEF:25.5%;TSLA:25.5%;AAPL:25.5%,US:69.4;EU:14.9;APAC:5.0;EM:10.3;Other:0.5,Value:-0.6;Growth:0.0;Quality:-0.9;Size:-0.8;Momentum:-0.1;LowVol:-0.1,NoDerivatives,10,30,5.1,trailing 8%,126,17.2,Volatile,27.7,4.12,2.3,119,-8,53,72,true,Hedge,Buy index puts 1% notional,22,-18,BrokerD,VWAP,94,Drift>tolerance,Reduce,Allocation drift beyond policy bands,69,-40,36,5,false,Within IPS guidelines
P7098,Hands-off,Roth,USD,2024-12-28,225973,13104,212869,1.0,73.9,17.4,0.8,7.9,TLT:9.1%;VOO:13.8%;VNQ:23.0%;IEF:19.9%;MSFT:11.2%;BRK.B:23.0%,US:67.5;EU:8.5;APAC:14.8;EM:5.4;Other:3.8,Value:-0.5;Growth:+0.9;Quality:-0.9;Size:+0.5;Momentum:-0.1;LowVol:+0.2,ESGOnly;MaxPos5%;NoDerivatives,8,30,5.2,hard 10%,146,15.2,Bear,27.9,4.16,2.4,184,-72,18,80,true,Rebalance,Rebalance back to target bands,-15,6,BrokerC,VWAP,91,Drift>tolerance,Reduce,Allocation drift beyond policy bands,31,-11,137,5,false,Tighten stops on momentum names
P7099,Active,Trust,USD,2025-10-18,898168,54927,843241,1.14,50.1,19.1,21.0,9.7,TLT:20.8%;VNQ:27.8%;XLF:27.8%;HYG:23.6%,US:61.1;EU:22.1;APAC:10.6;EM:3.7;Other:2.5,Value:-0.4;Growth:+0.3;Quality:+0.5;Size:-0.9;Momentum:+1.0;LowVol:0.0,NoDerivatives,8,35,4.3,trailing 8%,212,21.7,Volatile,23.8,3.56,2.7,178,39,71,52,false,Rebalance,Shift +1% to bonds from equity,27,-35,BrokerA,MKT,91,None,None,Normal monitoring,46,12,132,4,false,Tighten stops on momentum names
P7100,Cautious,Trust,USD,2025-03-03,391015,34300,356715,1.0,48.6,37.5,0.0,13.9,VNQ:33.3%;MUB:33.3%;IEF:33.3%,US:73.5;EU:7.3;APAC:9.8;EM:7.8;Other:1.6,Value:-0.4;Growth:-0.6;Quality:+0.7;Size:+0.3;Momentum:+0.9;LowVol:-0.4,NoDerivatives;NoMargin,7,25,5.0,trailing 8%,131,14.7,Sideways,14.8,4.78,3.4,135,2,38,40,false,Sell,Trim extended winner -1%,-15,8,BrokerB,MKT,90,None,None,Normal monitoring,23,-15,41,5,false,Tighten stops on momentum names
P7101,Hands-off,401k,USD,2025-05-04,394992,27673,367319,1.0,69.0,23.1,0.0,7.8,TSLA:21.3%;AMZN:21.3%;BND:20.0%;TLT:16.1%;VOO:21.3%,US:64.6;EU:15.2;APAC:12.3;EM:5.9;Other:2.1,Value:-0.6;Growth:-0.6;Quality:-0.9;Size:+0.5;Momentum:+0.1;LowVol:-0.9,ESGOnly;NoDerivatives,6,25,5.1,trailing 10%,167,12.8,Bear,31.0,3.06,1.1,204,-67,30,78,true,Hedge,Buy index puts 1% notional,-15,-38,BrokerD,LMT,87,RegimeShift,Hedge,Volatility spike and breadth deterioration,43,-31,163,3,false,Tighten stops on momentum names
P7102,Active,Roth,USD,2025-03-23,1367872,145392,1222480,1.05,61.8,29.4,0.0,8.8,QQQ:18.5%;AAPL:21.0%;BRK.B:18.6%;VOO:21.0%;MUB:21.0%,US:63.7;EU:10.2;APAC:12.7;EM:11.8;Other:1.6,Value:+0.5;Growth:0.0;Quality:+0.5;Size:-0.3;Momentum:-0.3;LowVol:+0.7,,6,25,5.2,trailing 9%,152,23.4,Sideways,18.5,3.83,2.8,122,1,37,59,false,Sell,Trim extended winner -1%,31,-11,BrokerA,LMT,100,None,None,Normal monitoring,-60,2,-1,4,false,Increase defensive factor exposure
P7103,Systematic,Roth,USD,2024-07-29,1354771,56439,1298332,1.0,55.5,34.2,3.0,7.3,XLF:19.3%;TLT:16.4%;VTI:21.5%;GLD:21.5%;HYG:21.5%,US:69.2;EU:14.6;APAC:7.1;EM:6.2;Other:2.9,Value:+0.3;Growth:+0.3;Quality:+0.2;Size:+0.8;Momentum:-0.5;LowVol:-0.6,NoDerivatives,8,30,5.1,trailing 8%,217,19.9,Bull,11.1,3.66,2.4,85,11,65,41,false,Rebalance,Shift +1% to bonds from equity,31,12,BrokerB,MKT,90,None,None,Normal monitoring,23,-31,30,5,false,Within IPS guidelines
P7104,Cautious,Trust,USD,2025-07-03,836828,72909,763919,1.0,53.4,30.3,4.1,12.2,AAPL:11.7%;GLD:23.7%;XLF:23.7%;QQQ:23.7%;VOO:17.3%,US:63.1;EU:14.1;APAC:10.7;EM:8.4;Other:3.8,Value:+0.9;Growth:-0.9;Quality:+0.8;Size:+0.3;Momentum:+0.5;LowVol:-0.1,ESGOnly;NoDerivatives;NoMargin,6,30,3.0,trailing 8%,91,14.1,Volatile,24.2,3.53,2.5,160,31,61,65,false,Buy,Add to core equity +1%,21,-9,BrokerC,VWAP,91,None,None,Normal monitoring,10,18,59,5,false,Increase defensive factor exposure
P7105,Opportunistic,Trust,USD,2024-12-01,1209130,78237,1130893,1.0,74.1,18.3,0.0,7.5,AMZN:20.5%;VNQ:20.3%;VTI:19.8%;QQQ:18.8%;MSFT:20.5%,US:75.9;EU:6.0;APAC:6.0;EM:11.3;Other:0.7,Value:-0.6;Growth:-0.3;Quality:+0.8;Size:-0.6;Momentum:-0.2;LowVol:-0.8,MaxPos8%,5,35,7.0,trailing 9%,193,28.3,Bull,16.6,3.72,3.2,105,57,76,62,false,Buy,Add to core equity +1%,-6,-18,BrokerB,MKT,98,None,None,Normal monitoring,-50,-60,5,5,false,Tighten stops on momentum names
P7106,Hands-off,Roth,USD,2024-11-15,278707,25764,252943,1.0,70.2,24.4,0.0,5.3,XLF:33.3%;BRK.B:33.3%;MUB:33.3%,US:72.3;EU:12.7;APAC:9.6;EM:4.4;Other:1.0,Value:-0.9;Growth:-0.7;Quality:+0.8;Size:+0.7;Momentum:-0.7;LowVol:-0.5,ESGOnly;NoDerivatives,8,35,3.9,trailing 10%,101,17.4,Volatile,20.3,5.03,3.8,114,-33,23,53,false,Sell,Trim extended winner -1%,-6,-32,BrokerA,MKT,85,None,None,Normal monitoring,82,6,45,4,false,Monitor dispersion and breadth
P7107,Cautious,IRA,USD,2024-10-17,654125,58498,595627,1.0,51.6,30.1,6.1,12.2,MSFT:24.9%;VOO:14.0%;TSLA:24.9%;XLF:18.9%;BRK.B:17.4%,US:70.9;EU:8.4;APAC:14.1;EM:3.8;Other:2.9,Value:-0.9;Growth:-0.5;Quality:+0.6;Size:-0.9;Momentum:+0.1;LowVol:+0.6,ESGOnly;MaxPos8%;NoDerivatives;NoMargin,8,25,4.7,trailing 8%,142,13.6,Bear,33.9,3.29,2.4,209,-51,36,84,true,Reduce,"Cut high-beta by 2-3%, add cash",12,-21,BrokerB,MKT,86,VAR>budget,Hedge,Risk above budget threshold,-50,-43,17,2,false,Tax-aware sells next window
P7108,Hands-off,401k,USD,2025-12-03,598658,26380,572278,1.0,65.6,19.2,5.7,9.5,IEF:18.9%;XLF:13.6%;VOO:13.2%;GLD:12.9%;VTI:21.6%;AMZN:19.8%,US:68.2;EU:8.7;APAC:15.0;EM:5.0;Other:3.0,Value:-0.6;Growth:+0.1;Quality:-0.5;Size:-0.8;Momentum:+0.4;LowVol:+0.9,ESGOnly;MaxPos8%,7,25,4.9,trailing 10%,104,15.1,Volatile,31.3,4.49,3.8,115,13,53,72,true,Hedge,Buy index puts 1% notional,-5,-31,BrokerA,MKT,95,Drift>tolerance,Hedge,Allocation drift beyond policy bands,18,-36,117,2,false,Monitor dispersion and breadth
P7109,Hands-off,Taxable,USD,2024-07-30,259734,21663,238071,1.0,58.7,16.8,17.6,6.9,VTI:25.6%;VNQ:25.6%;HYG:23.2%;BND:25.6%,US:69.6;EU:10.8;APAC:11.2;EM:6.0;Other:2.3,Value:-0.6;Growth:+0.1;Quality:-0.5;Size:+0.3;Momentum:+0.3;LowVol:0.0,ESGOnly;MaxPos6%,6,30,3.5,trailing 10%,129,16.8,Volatile,30.3,5.23,2.0,166,23,52,65,false,Sell,Trim extended winner -1%,2,-15,BrokerD,LMT,85,None,None,Normal monitoring,59,-24,103,5,false,Monitor dispersion and breadth
P7110,Active,Taxable,USD,2025-09-14,1039225,102057,937168,1.0,69.7,20.7,2.6,7.0,TLT:19.7%;BRK.B:7.0%;TSLA:16.9%;GLD:20.0%;MSFT:18.0%;VOO:18.3%,US:67.7;EU:9.7;APAC:11.9;EM:8.8;Other:2.0,Value:+0.7;Growth:-0.7;Quality:-0.3;Size:0.0;Momentum:0.0;LowVol:-0.2,,10,25,4.5,trailing 8%,132,20.4,Sideways,19.7,4.48,3.4,120,60,82,52,false,Sell,Trim extended winner -1%,8,-25,BrokerC,VWAP,85,None,None,Normal monitoring,-11,-51,107,3,false,Tax-aware sells next window
P7111,Opportunistic,401k,USD,2025-07-06,833297,56940,776357,1.0,67.2,20.1,3.7,9.0,VTI:12.9%;QQQ:21.2%;TSLA:9.9%;IEF:21.2%;TLT:21.2%;VNQ:13.5%,US:77.1;EU:8.8;APAC:7.6;EM:5.9;Other:0.6,Value:+0.8;Growth:-0.9;Quality:+0.8;Size:+0.3;Momentum:+0.6;LowVol:+0.8,MaxPos8%;NoDerivatives,10,25,6.7,trailing 7%,245,32.9,Bear,33.7,3.96,1.6,160,20,54,95,true,Rebalance,Rebalance back to target bands,-2,-2,BrokerA,MKT,95,VAR>budget,Hedge,Risk above budget threshold,2,-48,63,3,false,Within IPS guidelines
P7112,Cautious,Roth,USD,2025-11-26,714802,84838,629964,1.0,47.8,36.0,0.0,16.2,MUB:26.3%;VNQ:21.1%;QQQ:26.3%;IEF:26.3%,US:63.6;EU:16.1;APAC:6.3;EM:9.1;Other:4.9,Value:+0.2;Growth:-0.9;Quality:-0.3;Size:-1.0;Momentum:+0.3;LowVol:-0.9,ESGOnly;MaxPos8%;NoDerivatives;NoMargin,7,25,3.5,trailing 10%,134,16.8,Bull,13.6,4.75,2.8,78,27,56,34,false,Buy,Add to core equity +1%,11,-2,BrokerC,LMT,99,None,None,Normal monitoring,-30,-17,95,3,false,Monitor dispersion and breadth
P7113,Cautious,Taxable,USD,2025-02-01,374035,33183,340852,1.0,40.2,37.0,12.8,10.0,IEF:36.6%;TSLA:26.8%;MSFT:36.6%,US:74.0;EU:13.3;APAC:5.6;EM:3.1;Other:3.9,Value:+0.3;Growth:-0.7;Quality:-0.7;Size:-0.3;Momentum:-0.5;LowVol:+0.2,NoMargin,5,35,4.0,trailing 10%,105,14.4,Sideways,21.3,3.84,3.0,116,1,65,41,false,Sell,Trim extended winner -1%,4,-17,BrokerB,MKT,96,None,None,Normal monitoring,47,-38,88,3,false,Within IPS guidelines
P7114,Opportunistic,Taxable,USD,2025-08-13,773782,53587,720195,1.21,75.1,10.4,6.8,7.7,XLF:23.3%;MSFT:10.4%;AAPL:19.8%;TLT:23.3%;IEF:23.3%,US:74.9;EU:6.6;APAC:14.7;EM:3.7;Other:0.1,Value:+0.8;Growth:+0.2;Quality:-0.5;Size:-0.0;Momentum:-0.5;LowVol:+0.1,NoDerivatives,7,30,5.3,trailing 9%,181,20.0,Sideways,19.7,4.86,2.6,130,15,66,54,false,Buy,Add to core equity +1%,-8,-10,BrokerA,LMT,95,None,None,Normal monitoring,6,-13,78,3,false,Increase defensive factor exposure
P7115,Hands-off,Roth,USD,2025-06-14,429108,18516,410592,1.0,65.7,18.6,8.0,7.7,VNQ:15.2%;BRK.B:22.1%;AAPL:21.7%;BND:20.4%;XLF:20.5%,US:69.1;EU:10.2;APAC:10.5;EM:10.0;Other:0.2,Value:-0.4;Growth:+0.4;Quality:-0.2;Size:+0.7;Momentum:-0.1;LowVol:+0.4,ESGOnly;MaxPos8%;NoDerivatives,7,30,5.0,trailing 8%,107,16.7,Volatile,28.2,5.21,2.1,118,44,85,74,true,Rebalance,Rebalance back to target bands,22,-31,BrokerD,MKT,99,VAR>budget,Hedge,Risk above budget threshold,37,-17,171,5,false,Monitor dispersion and breadth
P7116,Hands-off,Trust,USD,2025-09-06,590842,55059,535783,1.0,63.3,27.6,0.0,9.2,HYG:23.1%;VOO:16.5%;VTI:14.1%;BRK.B:23.1%;VNQ:23.1%,US:58.6;EU:11.4;APAC:15.8;EM:11.2;Other:2.9,Value:-0.5;Growth:-0.5;Quality:-0.1;Size:-0.1;Momentum:-0.2;LowVol:+0.7,ESGOnly,7,30,3.0,trailing 10%,133,14.8,Bull,16.0,4.85,3.1,104,120,100,57,false,Rebalance,Shift +1% to bonds from equity,15,-28,BrokerD,LMT,87,None,None,Normal monitoring,113,-27,102,5,false,Increase defensive factor exposure
P7117,Active,Roth,USD,2025-05-09,1849396,122760,1726636,1.0,50.7,26.7,17.1,5.5,IEF:25.0%;MUB:25.0%;HYG:25.0%;AMZN:25.0%,US:75.4;EU:10.8;APAC:5.8;EM:4.1;Other:3.9,Value:-0.1;Growth:+0.8;Quality:-0.9;Size:+0.1;Momentum:+0.2;LowVol:+0.5,MaxPos6%,5,35,4.8,trailing 8%,223,25.6,Bull,17.4,4.66,2.6,89,38,63,36,false,Sell,Trim extended winner -1%,35,-29,BrokerB,LMT,99,None,None,Normal monitoring,-1,-45,-35,5,false,Tax-aware sells next window
P7118,Cautious,Roth,USD,2025-11-23,173551,14660,158891,1.0,36.3,33.3,14.2,16.2,HYG:17.5%;XLF:22.8%;TLT:11.4%;MUB:8.7%;AAPL:22.8%;IEF:16.8%,US:76.3;EU:5.5;APAC:9.0;EM:7.7;Other:1.5,Value:-0.3;Growth:-0.0;Quality:+0.1;Size:+0.2;Momentum:-0.7;LowVol:-0.4,ESGOnly;MaxPos8%;NoDerivatives;NoMargin,7,25,5.1,trailing 8%,106,19.5,Bull,12.6,4.48,2.1,77,33,62,35,false,Buy,Add to core equity +1%,-9,-3,BrokerB,LMT,98,None,None,Normal monitoring,-21,-6,73,5,false,Tax-aware sells next window
P7119,Hands-off,Taxable,USD,2025-04-01,420801,27844,392957,1.0,66.6,15.9,10.7,6.8,AMZN:33.3%;MUB:33.3%;BRK.B:33.3%,US:68.7;EU:15.3;APAC:9.1;EM:3.7;Other:3.2,Value:+0.4;Growth:-0.6;Quality:+0.8;Size:+0.4;Momentum:+0.6;LowVol:-0.4,MaxPos7%,6,35,3.6,hard 10%,137,18.9,Bear,30.2,4.02,2.1,138,-50,23,86,true,Reduce,"Cut high-beta by 2-3%, add cash",14,-15,BrokerC,MKT,86,VAR>budget,Reduce,Risk above budget threshold,36,-40,50,3,false,Within IPS guidelines
P7120,Active,Roth,USD,2025-11-04,2403505,254394,2149111,1.0,62.4,18.2,9.4,10.0,MSFT:22.5%;VTI:17.6%;GLD:22.5%;AAPL:22.5%;VNQ:15.0%,US:69.9;EU:12.2;APAC:12.9;EM:4.1;Other:0.8,Value:+0.9;Growth:-0.7;Quality:-0.8;Size:-0.7;Momentum:-0.7;LowVol:-0.8,,6,25,5.7,trailing 8%,146,17.8,Sideways,19.0,3.97,3.4,104,13,59,55,false,Sell,Trim extended winner -1%,14,-27,BrokerB,VWAP,99,None,None,Normal monitoring,-58,4,56,5,false,Tighten stops on momentum names
P7121,Hands-off,Taxable,USD,2025-09-25,514876,37723,477153,1.0,56.0,21.2,13.1,9.7,IEF:13.9%;BND:13.2%;AAPL:20.3%;TSLA:17.8%;GLD:14.2%;QQQ:20.6%,US:63.2;EU:9.1;APAC:13.3;EM:12.0;Other:2.4,Value:+0.1;Growth:-0.2;Quality:0.0;Size:0.0;Momentum:-1.0;LowVol:-0.5,ESGOnly,10,25,4.8,trailing 10%,128,19.6,Bull,13.5,4.74,2.5,120,83,76,31,false,Hedge,Add TLT +1% as duration hedge,26,11,BrokerA,MKT,91,None,None,Normal monitoring,4,17,79,3,false,Within IPS guidelines
P7122,Hands-off,Trust,USD,2024-08-06,203709,9036,194673,1.0,56.7,22.8,10.8,9.7,QQQ:16.6%;IEF:21.3%;BND:13.6%;VTI:21.3%;MSFT:5.8%;TLT:21.3%,US:60.3;EU:12.6;APAC:9.4;EM:12.7;Other:5.0,Value:+0.1;Growth:-0.4;Quality:-0.6;Size:+0.6;Momentum:-0.6;LowVol:-0.6,MaxPos7%,7,35,4.0,trailing 8%,146,14.5,Bull,11.8,4.48,2.7,109,99,100,44,false,Rebalance,Shift +1% to bonds from equity,-10,7,BrokerD,LMT,87,None,None,Normal monitoring,51,-21,96,3,false,Within IPS guidelines
P7123,Cautious,Roth,USD,2025-09-02,725316,99172,626144,1.0,44.7,40.0,0.0,15.3,XLF:21.2%;MSFT:18.8%;TLT:23.0%;MUB:14.0%;GLD:23.0%,US:66.8;EU:16.2;APAC:7.4;EM:8.8;Other:0.9,Value:+0.9;Growth:-0.8;Quality:+0.7;Size:-0.6;Momentum:+0.5;LowVol:+0.2,MaxPos5%;NoMargin,10,30,4.6,trailing 8%,93,12.9,Volatile,27.9,4.19,2.7,153,59,91,61,false,Sell,Trim extended winner -1%,18,-18,BrokerC,LMT,87,None,None,Normal monitoring,-43,14,-7,4,false,Increase defensive factor exposure
P7124,Active,IRA,USD,2025-11-23,2083850,159487,1924363,1.12,54.8,28.4,7.8,9.1,VNQ:14.8%;QQQ:21.3%;GLD:20.3%;TSLA:21.3%;IEF:14.0%;MSFT:8.2%,US:66.4;EU:18.2;APAC:11.0;EM:3.7;Other:0.6,Value:-0.2;Growth:-0.3;Quality:+0.2;Size:-0.2;Momentum:+0.5;LowVol:+0.5,MaxPos7%,8,25,4.6,trailing 8%,121,23.4,Bull,15.8,4.88,2.4,118,102,93,35,false,Rebalance,Shift +1% to bonds from equity,7,-24,BrokerB,MKT,91,None,None,Normal monitoring,30,-8,2,3,false,Tighten stops on momentum names
P7125,Opportunistic,Taxable,USD,2025-04-17,540989,37198,503791,1.0,62.5,21.4,11.2,4.9,VOO:18.4%;VTI:21.3%;TLT:17.4%;IEF:13.4%;AAPL:16.8%;HYG:12.6%,US:68.7;EU:10.5;APAC:11.0;EM:8.4;Other:1.4,Value:-0.9;Growth:-0.3;Quality:-0.5;Size:-0.2;Momentum:-0.2;LowVol:+0.9,MaxPos5%,10,25,5.4,trailing 9%,246,21.1,Bull,12.8,4.37,2.4,118,19,65,38,false,NoAction,Within bands; monitor,21,-25,BrokerA,LMT,88,None,None,Normal monitoring,5,-33,14,4,false,Tighten stops on momentum names
P7126,Active,401k,USD,2025-07-14,1610968,98860,1512108,1.25,58.1,24.1,8.6,9.2,VOO:15.8%;MUB:28.1%;GLD:28.1%;QQQ:28.1%,US:67.1;EU:9.1;APAC:10.8;EM:10.1;Other:2.9,Value:-0.7;Growth:-0.1;Quality:+0.8;Size:-0.1;Momentum:+1.0;LowVol:-0.5,MaxPos7%,8,25,4.7,hard 12%,146,25.6,Volatile,29.6,4.06,3.7,141,4,58,84,true,Reduce,"Cut high-beta by 2-3%, add cash",-12,-38,BrokerD,VWAP,92,VAR>budget,Reduce,Risk above budget threshold,-44,-8,5,4,false,Within IPS guidelines
P7127,Hands-off,Taxable,USD,2025-03-07,813883,41908,771975,1.0,59.3,22.0,12.8,5.9,IEF:9.2%;MSFT:22.6%;VOO:22.6%;HYG:8.5%;AMZN:14.4%;VNQ:22.6%,US:71.1;EU:13.4;APAC:6.3;EM:7.0;Other:2.3,Value:+0.5;Growth:+0.1;Quality:+0.7;Size:+0.6;Momentum:+0.9;LowVol:-0.8,MaxPos8%,7,25,3.3,trailing 10%,97,13.1,Volatile,20.2,4.04,2.5,173,18,44,63,false,NoAction,Within bands; monitor,30,-9,BrokerC,MKT,0,None,None,Normal monitoring,5,-50,-1,3,false,Tighten stops on momentum names
P7128,Hands-off,401k,USD,2025-03-24,804133,76197,727936,1.0,64.4,26.7,0.0,8.9,AAPL:33.3%;BND:33.3%;VNQ:33.3%,US:72.5;EU:7.4;APAC:10.9;EM:5.7;Other:3.5,Value:-0.8;Growth:-0.5;Quality:+0.9;Size:-0.5;Momentum:+0.2;LowVol:-0.4,ESGOnly;MaxPos5%,7,30,5.5,trailing 8%,105,14.0,Volatile,21.9,4.91,4.5,138,-20,28,52,false,Rebalance,Shift +1% to bonds from equity,-3,-33,BrokerB,LMT,85,None,None,Normal monitoring,-41,-30,7,4,false,Tax-aware sells next window
P7129,Systematic,401k,USD,2025-09-16,1161373,80619,1080754,1.0,60.3,23.7,7.8,8.2,VOO:21.9%;MUB:10.3%;BND:9.2%;TLT:12.8%;QQQ:22.9%;VTI:22.9%,US:54.5;EU:17.9;APAC:13.7;EM:10.5;Other:3.5,Value:-0.9;Growth:-0.6;Quality:-0.3;Size:+0.1;Momentum:+0.1;LowVol:-0.9,MaxPos8%,5,25,5.1,trailing 9%,121,20.1,Bull,15.0,3.84,2.7,115,55,84,50,true,Rebalance,Rebalance back to target bands,-1,-9,BrokerD,MKT,85,VAR>budget,Reduce,Risk above budget threshold,53,-28,114,5,false,Within IPS guidelines
P7130,Active,Taxable,USD,2025-12-04,775239,48471,726768,1.24,55.7,24.5,13.1,6.7,XLF:16.7%;VNQ:8.1%;TSLA:18.8%;GLD:15.8%;AAPL:20.2%;BRK.B:20.2%,US:69.0;EU:11.8;APAC:9.4;EM:8.0;Other:1.9,Value:+0.4;Growth:+0.7;Quality:-0.5;Size:+0.1;Momentum:+0.1;LowVol:+0.1,,8,30,4.0,trailing 9%,156,21.8,Volatile,31.4,4.51,3.0,162,7,66,68,true,Hedge,Buy index puts 1% notional,13,-18,BrokerD,VWAP,91,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,2,-3,134,5,true,Within IPS guidelines
P7131,Hands-off,Trust,USD,2024-11-17,873705,54911,818794,1.0,57.8,18.9,17.6,5.8,MSFT:13.5%;VTI:16.2%;BRK.B:24.3%;HYG:10.8%;IEF:10.8%;QQQ:24.3%,US:65.1;EU:11.2;APAC:9.8;EM:10.8;Other:3.2,Value:+0.5;Growth:+0.1;Quality:+0.7;Size:+0.7;Momentum:-0.1;LowVol:+0.7,,5,35,5.5,trailing 8%,112,15.4,Volatile,25.1,5.32,2.1,137,-34,42,74,true,Hedge,Buy index puts 1% notional,14,-36,BrokerC,MKT,93,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-11,-28,-24,5,false,Tighten stops on momentum names
P7132,Opportunistic,Roth,USD,2025-08-24,1062626,33206,1029420,1.0,68.4,12.0,14.8,4.9,VTI:14.2%;MUB:20.9%;HYG:7.0%;XLF:20.9%;AMZN:20.9%;AAPL:16.0%,US:63.2;EU:13.4;APAC:10.7;EM:10.0;Other:2.7,Value:+0.7;Growth:+0.2;Quality:-0.6;Size:-0.8;Momentum:-0.4;LowVol:-0.2,,6,25,6.7,trailing 7%,175,31.9,Sideways,22.0,4.45,3.1,123,-23,34,64,false,Sell,Trim extended winner -1%,4,1,BrokerA,LMT,86,None,None,Normal monitoring,-57,-1,8,5,false,Within IPS guidelines
P7133,Cautious,IRA,USD,2025-05-12,788591,82135,706456,1.0,49.2,40.5,0.0,10.3,VNQ:19.8%;MUB:10.7%;XLF:11.5%;HYG:22.8%;MSFT:12.5%;TSLA:22.8%,US:61.3;EU:17.3;APAC:7.5;EM:11.4;Other:2.5,Value:+0.6;Growth:+1.0;Quality:-0.5;Size:-0.6;Momentum:-0.9;LowVol:+0.1,NoMargin,6,30,3.0,trailing 8%,120,14.0,Bear,28.4,4.28,1.2,170,-88,11,66,false,Rebalance,Shift +1% to bonds from equity,-4,-35,BrokerB,LMT,87,None,None,Normal monitoring,-59,-47,-4,3,false,Tax-aware sells next window
P7134,Cautious,Roth,USD,2025-02-27,782633,79958,702675,1.0,47.9,37.5,0.0,14.6,GLD:33.3%;TSLA:33.3%;MSFT:33.3%,US:69.5;EU:5.5;APAC:15.4;EM:7.4;Other:2.2,Value:+0.5;Growth:-0.1;Quality:-0.3;Size:+0.2;Momentum:+1.0;LowVol:-0.3,NoDerivatives;NoMargin,7,35,5.0,hard 10%,140,14.1,Bull,12.1,3.77,2.6,117,110,100,36,false,Buy,Add to core equity +1%,11,-22,BrokerC,MKT,91,None,None,Normal monitoring,49,19,37,5,false,Tax-aware sells next window
P7135,Cautious,401k,USD,2024-10-12,473428,68034,405394,1.0,42.8,41.9,2.5,12.8,HYG:33.3%;GLD:33.3%;IEF:33.3%,US:71.4;EU:9.4;APAC:10.3;EM:7.1;Other:1.8,Value:0.0;Growth:+0.9;Quality:-0.4;Size:+0.9;Momentum:-0.8;LowVol:+0.7,NoMargin,10,25,3.8,hard 10%,136,18.9,Volatile,22.7,3.82,4.2,117,9,64,51,false,Buy,Add to core equity +1%,-5,-10,BrokerB,MKT,93,None,None,Normal monitoring,-45,-53,55,5,false,Increase defensive factor exposure
P7136,Cautious,Taxable,USD,2025-03-08,416302,50749,365553,1.0,53.6,31.0,1.4,14.0,VTI:11.3%;VNQ:24.5%;AMZN:15.1%;VOO:24.5%;IEF:24.5%,US:74.8;EU:9.1;APAC:6.1;EM:6.4;Other:3.7,Value:+0.3;Growth:+0.3;Quality:-0.7;Size:+0.4;Momentum:-0.6;LowVol:+0.9,MaxPos6%;NoMargin,10,25,4.7,hard 10%,105,13.4,Bear,26.2,3.57,2.2,170,-6,62,73,true,Rebalance,Rebalance back to target bands,2,-26,BrokerD,MKT,89,RegimeShift,Reduce,Volatility spike and breadth deterioration,34,-24,11,2,false,Increase defensive factor exposure
P7137,Active,Trust,USD,2025-07-30,2091125,221274,1869851,1.0,59.1,26.3,8.6,6.0,IEF:22.0%;GLD:22.0%;VTI:14.6%;HYG:7.7%;MSFT:11.7%;AMZN:22.0%,US:64.9;EU:8.5;APAC:6.8;EM:14.0;Other:5.8,Value:+0.3;Growth:-1.0;Quality:+0.1;Size:+0.9;Momentum:+0.5;LowVol:0.0,,8,35,5.9,trailing 9%,226,16.0,Bull,12.8,4.84,3.0,110,111,100,32,false,Rebalance,Shift +1% to bonds from equity,34,-14,BrokerA,LMT,91,None,None,Normal monitoring,81,14,199,5,false,Increase defensive factor exposure
P7138,Opportunistic,IRA,USD,2025-04-14,1411701,52664,1359037,1.08,60.3,19.9,13.2,6.6,XLF:20.7%;VNQ:29.9%;AAPL:19.6%;MUB:29.9%,US:70.7;EU:7.6;APAC:11.9;EM:5.6;Other:4.2,Value:-0.2;Growth:+0.2;Quality:-0.2;Size:+0.4;Momentum:-0.9;LowVol:+0.8,MaxPos7%,10,30,5.1,trailing 7%,183,22.4,Sideways,17.8,3.68,3.1,128,15,56,60,true,Hedge,Buy index puts 1% notional,23,-1,BrokerB,LMT,97,VAR>budget,Hedge,Risk above budget threshold,-37,-54,102,3,true,Monitor dispersion and breadth
P7139,Cautious,401k,USD,2025-03-21,672669,65853,606816,1.0,48.7,41.7,0.0,9.6,BRK.B:33.3%;BND:33.3%;AMZN:33.3%,US:62.9;EU:7.5;APAC:14.5;EM:14.1;Other:1.0,Value:-0.6;Growth:+0.7;Quality:+0.6;Size:-0.0;Momentum:+0.8;LowVol:+1.0,ESGOnly;NoMargin,7,35,3.7,trailing 8%,115,17.0,Bull,12.7,4.0,2.3,81,68,92,26,false,Buy,Add to core equity +1%,18,-9,BrokerC,MKT,92,None,None,Normal monitoring,114,-27,179,5,false,Within IPS guidelines
P7140,Cautious,401k,USD,2024-08-26,768227,69532,698695,1.0,41.7,43.4,0.0,15.0,HYG:20.0%;IEF:21.3%;AMZN:10.1%;XLF:21.3%;AAPL:6.7%;TLT:20.6%,US:63.7;EU:17.9;APAC:7.1;EM:10.1;Other:1.2,Value:+0.3;Growth:+0.2;Quality:-0.6;Size:-0.6;Momentum:+0.1;LowVol:+0.8,NoDerivatives;NoMargin,5,35,3.7,hard 10%,150,18.2,Volatile,21.9,5.46,3.2,157,54,74,49,false,Rebalance,Shift +1% to bonds from equity,19,-1,BrokerD,LMT,91,None,None,Normal monitoring,55,-52,57,5,false,Tax-aware sells next window
P7141,Systematic,IRA,USD,2025-09-21,1141656,107072,1034584,1.0,59.5,21.5,13.7,5.3,AMZN:15.0%;XLF:19.8%;AAPL:21.7%;GLD:21.7%;VNQ:21.7%,US:65.1;EU:15.2;APAC:8.3;EM:9.2;Other:2.1,Value:+0.2;Growth:+1.0;Quality:+0.1;Size:-0.2;Momentum:+0.7;LowVol:+0.7,,8,25,5.4,trailing 8%,159,24.8,Sideways,15.3,4.45,2.9,128,27,77,45,false,Buy,Add to core equity +1%,4,-37,BrokerB,MKT,96,None,None,Normal monitoring,-49,-10,1,4,false,Tax-aware sells next window
P7142,Cautious,Trust,USD,2025-06-19,823580,105019,718561,1.0,50.3,32.2,0.0,17.5,VTI:28.3%;TLT:28.3%;VNQ:27.1%;HYG:16.4%,US:62.2;EU:20.5;APAC:11.3;EM:5.6;Other:0.5,Value:-0.4;Growth:-0.7;Quality:-0.2;Size:+0.2;Momentum:-0.4;LowVol:-0.1,ESGOnly;NoMargin,10,30,4.3,trailing 8%,115,14.4,Bear,23.6,3.88,1.2,188,5,55,54,false,Sell,Trim extended winner -1%,5,-32,BrokerA,MKT,90,None,None,Normal monitoring,-30,-53,90,5,false,Tighten stops on momentum names
P7143,Hands-off,Trust,USD,2024-12-19,648634,44350,604284,1.0,65.6,27.8,0.0,6.6,BRK.B:20.0%;MUB:18.2%;GLD:20.2%;AAPL:8.1%;XLF:13.5%;VTI:20.0%,US:63.1;EU:17.1;APAC:6.9;EM:8.6;Other:4.2,Value:+0.6;Growth:-0.2;Quality:-0.4;Size:0.0;Momentum:+0.7;LowVol:+0.7,,8,30,3.3,hard 10%,118,18.7,Bear,34.3,3.17,2.4,149,-37,25,84,true,Hedge,Buy index puts 1% notional,28,-25,BrokerA,LMT,90,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-42,-17,91,5,false,Increase defensive factor exposure
P7144,Active,Roth,USD,2025-01-19,2440870,248533,2192337,1.0,56.4,25.3,11.5,6.9,VNQ:33.3%;BND:33.3%;IEF:33.3%,US:63.8;EU:12.5;APAC:14.9;EM:4.3;Other:4.5,Value:+0.5;Growth:+0.7;Quality:-0.3;Size:-0.5;Momentum:-0.6;LowVol:+0.5,NoDerivatives,10,30,4.5,trailing 9%,210,19.2,Volatile,30.9,3.81,2.3,160,-57,13,69,false,Sell,Trim extended winner -1%,5,-25,BrokerC,VWAP,86,None,None,Normal monitoring,114,10,244,5,false,Tax-aware sells next window
P7145,Cautious,401k,USD,2025-04-25,895042,73791,821251,1.0,36.4,36.0,12.4,15.2,TLT:33.3%;IEF:33.3%;VTI:33.3%,US:64.8;EU:7.2;APAC:17.0;EM:5.3;Other:5.7,Value:+0.9;Growth:+0.2;Quality:+0.4;Size:-0.0;Momentum:-0.8;LowVol:-0.1,ESGOnly;NoMargin,5,25,3.0,hard 10%,112,16.6,Bull,12.3,4.04,3.2,117,87,83,23,true,Hedge,Buy index puts 1% notional,10,-10,BrokerB,LMT,90,Drift>tolerance,Reduce,Allocation drift beyond policy bands,34,14,84,5,false,Within IPS guidelines
P7146,Cautious,Taxable,USD,2025-06-30,538856,74845,464011,1.0,42.8,40.7,0.0,16.5,AMZN:35.1%;VNQ:29.8%;VOO:35.1%,US:70.9;EU:9.8;APAC:12.6;EM:6.2;Other:0.5,Value:-0.0;Growth:+0.1;Quality:-0.4;Size:+1.0;Momentum:0.0;LowVol:-0.1,NoDerivatives;NoMargin,6,25,5.9,trailing 10%,122,12.9,Bear,22.5,3.8,1.5,191,-114,5,57,false,Rebalance,Shift +1% to bonds from equity,29,-17,BrokerB,VWAP,97,None,None,Normal monitoring,69,-2,156,4,false,Tighten stops on momentum names
P7147,Systematic,Trust,USD,2025-12-11,738572,70970,667602,1.0,59.0,26.3,6.0,8.7,QQQ:18.5%;BND:18.7%;VNQ:13.0%;VTI:18.9%;XLF:9.9%;AAPL:21.0%,US:74.4;EU:6.1;APAC:13.7;EM:4.8;Other:1.1,Value:+0.2;Growth:-0.1;Quality:+0.9;Size:-0.6;Momentum:+0.9;LowVol:+0.7,MaxPos8%,8,30,5.0,trailing 8%,181,20.9,Bear,31.5,4.28,2.9,198,-80,15,88,true,Rebalance,Rebalance back to target bands,26,7,BrokerC,MKT,87,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-1,-2,32,5,false,Tighten stops on momentum names
P7148,Active,Roth,USD,2024-09-11,2485614,261449,2224165,1.23,59.4,26.2,6.6,7.8,TLT:11.9%;GLD:19.3%;BND:10.5%;AMZN:22.9%;AAPL:22.9%;VTI:12.5%,US:62.3;EU:11.3;APAC:9.6;EM:12.0;Other:4.8,Value:-0.1;Growth:-0.3;Quality:+0.6;Size:-0.2;Momentum:+0.9;LowVol:0.0,NoDerivatives,5,25,4.7,trailing 9%,190,23.8,Sideways,18.3,4.98,2.6,99,59,87,54,false,Rebalance,Shift +1% to bonds from equity,6,-17,BrokerA,LMT,94,None,None,Normal monitoring,60,0,120,3,false,Increase defensive factor exposure
P7149,Cautious,401k,USD,2025-02-20,639914,100742,539172,1.0,48.5,34.5,1.8,15.3,BND:23.1%;AAPL:12.8%;MUB:17.8%;TLT:23.1%;VNQ:23.1%,US:78.8;EU:5.2;APAC:8.1;EM:6.6;Other:1.2,Value:-0.2;Growth:+0.4;Quality:+0.9;Size:-0.8;Momentum:+0.3;LowVol:+0.7,ESGOnly;MaxPos7%;NoDerivatives;NoMargin,10,30,3.1,trailing 10%,163,16.6,Bull,14.9,3.69,3.4,100,109,100,47,false,NoAction,Within bands; monitor,20,13,BrokerC,MKT,0,None,None,Normal monitoring,-8,-30,12,5,false,Tax-aware sells next window
P7150,Cautious,401k,USD,2024-10-13,679692,107285,572407,1.0,48.9,39.6,0.0,11.5,TLT:11.3%;IEF:20.6%;BND:22.7%;BRK.B:22.7%;QQQ:22.7%,US:65.3;EU:17.8;APAC:6.4;EM:6.8;Other:3.8,Value:+0.8;Growth:-0.6;Quality:-0.7;Size:-0.3;Momentum:+0.8;LowVol:-0.6,ESGOnly;NoDerivatives;NoMargin,6,30,3.1,trailing 8%,135,17.6,Sideways,18.1,3.61,2.2,96,14,66,53,false,Rebalance,Shift +1% to bonds from equity,17,-30,BrokerD,VWAP,91,None,None,Normal monitoring,42,15,89,4,false,Within IPS guidelines
P7151,Active,Taxable,USD,2025-03-26,1226179,146420,1079759,1.18,63.7,26.7,0.0,9.5,IEF:15.4%;HYG:25.5%;VOO:25.5%;AMZN:21.3%;TSLA:12.3%,US:58.1;EU:21.3;APAC:11.4;EM:6.3;Other:2.8,Value:+0.5;Growth:+0.1;Quality:+0.4;Size:-0.8;Momentum:+0.3;LowVol:-0.7,NoDerivatives,7,35,4.8,hard 12%,196,23.2,Bear,28.4,3.46,1.8,134,21,70,73,true,Hedge,Buy index puts 1% notional,32,-34,BrokerC,MKT,86,RegimeShift,Hedge,Volatility spike and breadth deterioration,118,-53,149,4,false,Monitor dispersion and breadth
P7152,Hands-off,IRA,USD,2025-02-14,306878,27529,279349,1.0,72.8,21.7,0.0,5.5,XLF:17.8%;HYG:21.8%;AMZN:10.7%;VTI:21.8%;TLT:19.3%;MUB:8.7%,US:71.0;EU:12.6;APAC:9.6;EM:5.7;Other:1.1,Value:+0.5;Growth:-0.3;Quality:+0.7;Size:-0.0;Momentum:-0.5;LowVol:+0.9,ESGOnly;NoDerivatives,5,35,3.9,trailing 8%,109,17.1,Bear,31.7,3.87,1.9,155,40,63,92,true,Hedge,Buy index puts 1% notional,19,-31,BrokerC,MKT,89,VAR>budget,Reduce,Risk above budget threshold,51,6,21,4,false,Monitor dispersion and breadth
P7153,Opportunistic,Trust,USD,2024-12-12,972766,64610,908156,1.14,74.3,13.2,5.8,6.8,BND:33.3%;GLD:33.3%;BRK.B:33.3%,US:60.2;EU:17.7;APAC:9.4;EM:10.5;Other:2.2,Value:+0.1;Growth:-1.0;Quality:+0.2;Size:-0.5;Momentum:+0.1;LowVol:+0.1,MaxPos8%,6,35,5.4,trailing 7%,209,20.2,Bear,24.5,4.05,1.2,171,-73,5,64,false,Buy,Add to core equity +1%,-12,-23,BrokerB,LMT,93,None,None,Normal monitoring,-43,6,91,4,false,Tighten stops on momentum names
P7154,Hands-off,IRA,USD,2025-10-08,669910,62717,607193,1.0,68.0,15.6,9.9,6.5,VOO:20.7%;AAPL:20.7%;TLT:14.7%;VNQ:8.9%;XLF:14.2%;HYG:20.7%,US:63.7;EU:17.3;APAC:5.6;EM:9.2;Other:4.2,Value:0.0;Growth:-0.4;Quality:+0.8;Size:+0.9;Momentum:+0.6;LowVol:+0.2,NoDerivatives,6,25,3.3,hard 10%,141,15.4,Bull,14.4,4.15,3.1,96,43,76,40,false,Rebalance,Shift +1% to bonds from equity,-4,-26,BrokerC,MKT,92,None,None,Normal monitoring,80,-59,147,4,false,Monitor dispersion and breadth
P7155,Cautious,Trust,USD,2025-10-17,827075,121461,705614,1.0,47.0,31.1,8.8,13.1,IEF:33.3%;TSLA:33.3%;BRK.B:33.3%,US:73.6;EU:12.2;APAC:7.6;EM:3.2;Other:3.5,Value:-0.4;Growth:-0.7;Quality:+0.7;Size:+0.6;Momentum:-0.7;LowVol:+0.3,ESGOnly;NoDerivatives;NoMargin,7,30,4.0,hard 10%,109,19.4,Volatile,20.4,4.08,3.6,139,53,85,39,false,Hedge,Add TLT +1% as duration hedge,21,-37,BrokerB,LMT,85,None,None,Normal monitoring,37,-28,133,5,false,Increase defensive factor exposure
P7156,Opportunistic,Trust,USD,2025-03-09,1761468,127384,1634084,1.0,75.0,13.0,7.3,4.7,QQQ:33.3%;VTI:33.3%;BND:33.3%,US:64.7;EU:14.9;APAC:10.5;EM:8.5;Other:1.4,Value:+0.7;Growth:-0.3;Quality:+0.1;Size:-0.1;Momentum:0.0;LowVol:-0.8,MaxPos6%,5,25,4.2,trailing 7%,220,28.5,Sideways,19.7,4.23,2.1,122,44,82,61,false,Buy,Add to core equity +1%,19,10,BrokerA,MKT,98,None,None,Normal monitoring,58,8,140,5,false,Increase defensive factor exposure
P7157,Systematic,IRA,USD,2025-11-21,1995642,123944,1871698,1.0,66.3,24.2,3.6,5.9,BRK.B:22.0%;XLF:19.6%;QQQ:20.8%;MSFT:15.5%;VOO:22.0%,US:77.4;EU:5.5;APAC:8.5;EM:7.1;Other:1.5,Value:+0.2;Growth:-0.6;Quality:-0.4;Size:-0.6;Momentum:+0.5;LowVol:-0.2,NoDerivatives,10,30,4.7,hard 12%,143,20.6,Bear,34.2,3.47,1.7,149,1,61,90,true,Rebalance,Rebalance back to target bands,34,-11,BrokerC,VWAP,100,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-39,-25,-25,3,false,Tighten stops on momentum names
P7158,Active,Trust,USD,2025-12-18,1328899,113451,1215448,1.0,53.7,21.0,16.5,8.8,GLD:33.3%;AMZN:33.3%;VNQ:33.3%,US:67.7;EU:14.7;APAC:9.8;EM:6.8;Other:1.0,Value:+0.6;Growth:-0.3;Quality:-0.7;Size:+0.4;Momentum:+0.5;LowVol:+0.1,MaxPos5%,8,35,5.3,trailing 9%,214,23.6,Bull,15.6,4.24,2.4,113,69,98,33,false,Rebalance,Shift +1% to bonds from equity,33,4,BrokerD,MKT,93,None,None,Normal monitoring,-58,-30,-90,5,false,Tighten stops on momentum names
P7159,Active,Roth,USD,2025-05-11,1110639,113038,997601,1.12,60.7,28.0,4.2,7.1,IEF:26.9%;BRK.B:25.1%;GLD:26.9%;MUB:21.1%,US:67.4;EU:10.9;APAC:13.1;EM:7.2;Other:1.4,Value:+0.8;Growth:+0.2;Quality:+0.8;Size:+0.1;Momentum:-0.7;LowVol:+0.7,,7,25,5.0,trailing 8%,130,27.2,Volatile,27.5,3.95,2.0,173,78,84,63,false,Rebalance,Shift +1% to bonds from equity,-15,4,BrokerD,MKT,98,None,None,Normal monitoring,74,-14,134,4,false,Tighten stops on momentum names
P7160,Hands-off,Roth,USD,2025-02-13,758300,48044,710256,1.0,69.4,21.9,3.4,5.4,VNQ:10.7%;MSFT:24.1%;IEF:17.1%;GLD:24.1%;TLT:24.1%,US:74.7;EU:6.9;APAC:10.1;EM:7.3;Other:1.0,Value:+0.4;Growth:+0.8;Quality:+0.2;Size:+0.8;Momentum:-0.8;LowVol:-0.1,NoDerivatives,10,35,5.6,hard 10%,151,13.5,Volatile,28.7,4.45,3.3,144,37,56,84,true,Rebalance,Rebalance back to target bands,17,-40,BrokerC,MKT,99,RegimeShift,Reduce,Volatility spike and breadth deterioration,56,0,62,4,false,Increase defensive factor exposure
P7161,Active,Roth,USD,2025-09-08,2356236,252299,2103937,1.0,54.7,18.4,18.3,8.6,TSLA:22.3%;BND:22.3%;VTI:22.3%;MUB:15.6%;AAPL:6.9%;VNQ:10.7%,US:73.4;EU:8.1;APAC:6.7;EM:8.4;Other:3.4,Value:+0.9;Growth:+0.9;Quality:-0.3;Size:+1.0;Momentum:-0.2;LowVol:-0.5,MaxPos6%,8,25,4.9,hard 12%,219,16.7,Sideways,21.8,3.7,3.1,109,35,63,60,false,Rebalance,Shift +1% to bonds from equity,32,-13,BrokerB,MKT,98,None,None,Normal monitoring,-11,-40,75,3,false,Tax-aware sells next window
P7162,Hands-off,Taxable,USD,2025-09-06,632862,62709,570153,1.0,58.0,19.3,15.1,7.6,XLF:23.0%;TSLA:13.6%;BRK.B:23.0%;VTI:23.0%;VOO:17.3%,US:64.7;EU:8.0;APAC:13.9;EM:11.6;Other:1.8,Value:+0.1;Growth:-0.4;Quality:+0.5;Size:-0.8;Momentum:+0.5;LowVol:-0.5,MaxPos5%,8,25,5.4,hard 10%,122,13.1,Bull,15.6,4.11,3.5,73,33,52,47,false,Hedge,Add TLT +1% as duration hedge,20,9,BrokerD,VWAP,94,None,None,Normal monitoring,116,-9,190,5,false,Tax-aware sells next window
P7163,Cautious,Trust,USD,2025-03-28,238250,27252,210998,1.0,35.8,43.4,6.7,14.1,MSFT:20.3%;VOO:12.4%;VNQ:18.0%;QQQ:15.9%;IEF:18.4%;AAPL:15.0%,US:70.3;EU:16.6;APAC:4.7;EM:6.1;Other:2.3,Value:-0.4;Growth:-0.1;Quality:-0.9;Size:-1.0;Momentum:-0.2;LowVol:-0.7,ESGOnly;MaxPos6%;NoMargin,8,35,4.9,hard 10%,126,16.7,Bull,14.3,3.89,3.1,90,76,84,29,false,Rebalance,Shift +1% to bonds from equity,-7,-11,BrokerC,LMT,89,None,None,Normal monitoring,-38,-7,-53,4,false,Within IPS guidelines
P7164,Opportunistic,IRA,USD,2025-09-09,901999,28803,873196,1.21,73.4,11.0,7.0,8.5,QQQ:33.3%;GLD:33.3%;AMZN:33.3%,US:62.8;EU:17.8;APAC:7.4;EM:8.3;Other:3.6,Value:-0.7;Growth:-0.5;Quality:-0.7;Size:-0.9;Momentum:-0.1;LowVol:+0.9,MaxPos6%,5,35,6.6,trailing 7%,183,32.0,Sideways,14.2,4.83,2.6,126,-11,42,43,true,Hedge,Buy index puts 1% notional,-11,-37,BrokerD,LMT,91,Drift>tolerance,Reduce,Allocation drift beyond policy bands,4,-4,53,4,false,Within IPS guidelines
P7165,Hands-off,Taxable,USD,2025-02-19,796871,52179,744692,1.0,67.3,15.9,9.3,7.5,AAPL:28.4%;XLF:28.4%;IEF:14.9%;TLT:28.4%,US:63.7;EU:7.9;APAC:17.9;EM:5.2;Other:5.3,Value:-0.3;Growth:-0.8;Quality:-0.9;Size:+0.5;Momentum:+0.1;LowVol:+0.2,ESGOnly;MaxPos7%;NoDerivatives,5,30,5.0,trailing 8%,96,14.6,Bull,17.8,4.83,2.9,114,59,77,55,false,Rebalance,Shift +1% to bonds from equity,-9,-15,BrokerA,MKT,86,None,None,Normal monitoring,12,-46,40,3,false,Tighten stops on momentum names
P7166,Opportunistic,Roth,USD,2024-09-07,745565,28972,716593,1.12,73.0,13.6,8.2,5.2,GLD:34.1%;MUB:34.1%;QQQ:31.9%,US:64.9;EU:15.6;APAC:6.8;EM:8.1;Other:4.5,Value:+0.2;Growth:+0.3;Quality:+0.4;Size:+0.3;Momentum:+0.8;LowVol:+0.3,MaxPos7%,8,25,5.1,hard 12%,210,24.9,Bull,11.2,3.84,3.1,104,83,100,36,false,Rebalance,Shift +1% to bonds from equity,-7,-14,BrokerB,VWAP,86,None,None,Normal monitoring,109,-52,161,3,false,Tighten stops on momentum names
P7167,Cautious,Trust,USD,2024-08-18,865565,93692,771873,1.0,52.1,33.4,0.0,14.5,VNQ:27.5%;IEF:27.5%;GLD:23.5%;TSLA:21.6%,US:63.4;EU:17.8;APAC:10.6;EM:7.9;Other:0.3,Value:-0.7;Growth:-0.5;Quality:+0.6;Size:+0.2;Momentum:+0.2;LowVol:-0.2,NoMargin,5,30,5.4,hard 10%,139,12.2,Bear,34.7,4.05,2.8,137,6,44,82,true,Hedge,Buy index puts 1% notional,9,-40,BrokerA,LMT,96,RegimeShift,Hedge,Volatility spike and breadth deterioration,73,-31,190,5,false,Increase defensive factor exposure
P7168,Cautious,Roth,USD,2024-07-07,530754,47566,483188,1.0,48.8,41.2,0.0,10.0,GLD:22.1%;VTI:26.0%;IEF:26.0%;BND:26.0%,US:70.3;EU:15.2;APAC:7.4;EM:5.0;Other:2.1,Value:-0.4;Growth:+0.2;Quality:+0.4;Size:+0.4;Momentum:-1.0;LowVol:-0.8,MaxPos5%;NoMargin,6,30,5.4,trailing 8%,125,14.6,Bull,16.1,3.5,3.5,107,98,100,47,true,Reduce,"Cut high-beta by 2-3%, add cash",34,-4,BrokerC,LMT,94,RegimeShift,Reduce,Volatility spike and breadth deterioration,21,9,101,3,true,Tighten stops on momentum names
P7169,Systematic,IRA,USD,2025-10-03,567822,41363,526459,1.0,61.2,27.6,3.5,7.7,XLF:33.4%;VNQ:33.1%;BND:33.4%,US:78.2;EU:6.2;APAC:7.4;EM:3.4;Other:4.7,Value:+0.5;Growth:-0.5;Quality:+0.4;Size:+0.6;Momentum:-0.4;LowVol:-0.2,NoDerivatives,10,35,4.3,hard 12%,155,21.2,Bull,13.6,4.21,3.0,97,28,78,36,false,Rebalance,Shift +1% to bonds from equity,7,-11,BrokerA,LMT,90,None,None,Normal monitoring,-36,-59,-28,4,false,Tax-aware sells next window
P7170,Cautious,401k,USD,2025-09-26,750383,70482,679901,1.0,41.5,35.2,5.6,17.8,QQQ:27.7%;VNQ:22.4%;TLT:22.1%;BRK.B:27.7%,US:73.0;EU:7.9;APAC:13.1;EM:4.5;Other:1.5,Value:-0.4;Growth:-0.4;Quality:-0.2;Size:-1.0;Momentum:+1.0;LowVol:+0.4,NoMargin,8,30,3.2,trailing 10%,130,12.5,Volatile,29.0,4.62,4.0,147,-52,15,69,false,Sell,Trim extended winner -1%,20,-33,BrokerD,LMT,99,None,None,Normal monitoring,-19,-49,110,4,false,Within IPS guidelines
P7171,Opportunistic,401k,USD,2024-11-06,1397017,74934,1322083,1.0,77.8,10.8,4.1,7.3,VNQ:16.4%;AMZN:24.7%;BND:9.4%;IEF:24.7%;MSFT:24.7%,US:61.5;EU:18.2;APAC:11.8;EM:7.2;Other:1.3,Value:-0.1;Growth:+1.0;Quality:+0.9;Size:-0.7;Momentum:+0.5;LowVol:-0.2,MaxPos8%,10,30,6.7,trailing 7%,172,28.7,Sideways,18.2,3.69,3.3,113,-24,29,63,false,Buy,Add to core equity +1%,23,-19,BrokerB,LMT,93,None,None,Normal monitoring,66,-30,174,4,false,Increase defensive factor exposure
P7172,Cautious,401k,USD,2025-01-08,649387,87111,562276,1.0,39.3,30.5,18.9,11.3,TSLA:26.7%;VNQ:26.7%;HYG:26.7%;VTI:19.8%,US:73.9;EU:7.0;APAC:10.3;EM:3.9;Other:5.0,Value:-0.6;Growth:+0.7;Quality:-0.6;Size:-0.1;Momentum:+0.7;LowVol:+0.1,NoMargin,10,35,5.0,trailing 8%,144,12.5,Bull,11.5,4.55,3.2,88,51,68,32,false,NoAction,Within bands; monitor,-3,-7,BrokerA,LMT,88,None,None,Normal monitoring,-14,17,22,3,false,Increase defensive factor exposure
P7173,Active,Roth,USD,2025-02-06,2225539,143271,2082268,1.0,51.6,18.1,24.8,5.4,QQQ:23.4%;TLT:23.4%;MSFT:23.4%;VTI:9.1%;IEF:20.7%,US:71.1;EU:7.3;APAC:11.2;EM:5.9;Other:4.6,Value:-0.3;Growth:-0.2;Quality:-0.4;Size:+0.2;Momentum:+0.7;LowVol:+0.2,MaxPos8%;NoDerivatives,10,25,4.4,trailing 9%,178,20.8,Bull,14.1,4.36,2.3,119,38,80,39,false,Sell,Trim extended winner -1%,35,-30,BrokerC,MKT,85,None,None,Normal monitoring,106,-15,154,5,false,Within IPS guidelines
P7174,Cautious,Trust,USD,2024-09-10,365121,44547,320574,1.0,46.9,39.4,2.6,11.0,XLF:12.3%;QQQ:19.9%;TSLA:20.8%;BND:20.8%;GLD:8.0%;MSFT:18.2%,US:74.9;EU:10.0;APAC:8.8;EM:4.8;Other:1.5,Value:+0.6;Growth:-0.6;Quality:+0.2;Size:-0.0;Momentum:+0.4;LowVol:+0.8,ESGOnly;NoDerivatives;NoMargin,6,25,5.9,trailing 8%,119,14.5,Bull,12.6,4.38,3.0,85,75,76,39,false,Sell,Trim extended winner -1%,6,-33,BrokerD,MKT,99,None,None,Normal monitoring,-13,-17,39,3,false,Tax-aware sells next window
P7175,Cautious,401k,USD,2025-02-09,525193,54940,470253,1.0,49.2,38.8,0.0,12.0,VNQ:20.8%;XLF:18.2%;AAPL:18.6%;VTI:10.6%;BRK.B:15.1%;TLT:16.6%,US:62.7;EU:15.2;APAC:10.8;EM:7.2;Other:4.1,Value:-0.8;Growth:+0.3;Quality:-0.0;Size:-0.7;Momentum:-0.2;LowVol:-0.2,ESGOnly;MaxPos6%;NoMargin,5,25,5.8,trailing 10%,134,15.8,Sideways,21.6,3.99,2.8,130,39,64,56,false,Buy,Add to core equity +1%,-1,-31,BrokerC,LMT,96,None,None,Normal monitoring,64,4,76,3,false,Increase defensive factor exposure
P7176,Cautious,Taxable,USD,2025-07-17,835950,84586,751364,1.0,46.2,32.8,9.4,11.6,VTI:25.8%;TSLA:22.6%;GLD:25.8%;VNQ:25.8%,US:67.5;EU:10.9;APAC:8.6;EM:10.7;Other:2.3,Value:-0.7;Growth:+0.5;Quality:-0.9;Size:+0.2;Momentum:-0.9;LowVol:-0.5,ESGOnly;NoMargin,6,30,5.9,trailing 10%,163,19.6,Bear,32.8,4.23,1.8,197,-47,22,77,true,Hedge,Buy index puts 1% notional,27,0,BrokerD,LMT,96,RegimeShift,Hedge,Volatility spike and breadth deterioration,96,-26,76,5,false,Tax-aware sells next window
P7177,Active,Roth,USD,2025-10-17,1704714,116129,1588585,1.1,53.1,25.3,16.0,5.6,TSLA:15.4%;AMZN:12.2%;VTI:21.1%;AAPL:21.1%;MSFT:9.2%;BRK.B:21.1%,US:64.5;EU:16.9;APAC:10.8;EM:6.6;Other:1.1,Value:-0.9;Growth:+0.6;Quality:+1.0;Size:+0.5;Momentum:+0.2;LowVol:-0.9,MaxPos5%;NoDerivatives,7,30,6.0,trailing 9%,229,25.8,Volatile,31.7,3.93,2.8,166,-25,33,85,true,Reduce,"Cut high-beta by 2-3%, add cash",29,-7,BrokerB,MKT,92,VAR>budget,Reduce,Risk above budget threshold,115,-46,87,2,false,Increase defensive factor exposure
P7178,Active,Trust,USD,2024-07-25,1240931,94297,1146634,1.0,62.2,28.4,0.0,9.4,VOO:20.9%;TLT:10.8%;HYG:19.0%;GLD:17.5%;IEF:20.9%;MUB:10.9%,US:59.6;EU:16.1;APAC:11.4;EM:10.9;Other:2.0,Value:-0.6;Growth:-0.7;Quality:+1.0;Size:-0.5;Momentum:-0.5;LowVol:-0.4,MaxPos5%,10,35,5.8,trailing 9%,228,16.8,Volatile,27.2,5.46,2.2,149,2,36,63,false,Buy,Add to core equity +1%,20,-7,BrokerC,MKT,90,None,None,Normal monitoring,88,-28,215,3,false,Monitor dispersion and breadth
P7179,Opportunistic,IRA,USD,2025-01-16,1527030,114681,1412349,1.0,64.8,21.6,8.8,4.9,QQQ:10.4%;AMZN:23.3%;TSLA:23.3%;XLF:23.3%;VNQ:19.6%,US:75.8;EU:8.0;APAC:10.6;EM:5.0;Other:0.7,Value:+0.3;Growth:+0.5;Quality:+1.0;Size:+0.6;Momentum:-0.6;LowVol:-0.3,MaxPos7%,8,25,5.4,trailing 9%,184,22.6,Volatile,30.2,4.97,2.5,168,38,82,77,true,Hedge,Buy index puts 1% notional,33,-27,BrokerD,VWAP,92,VAR>budget,Hedge,Risk above budget threshold,104,3,156,5,false,Monitor dispersion and breadth
P7180,Systematic,IRA,USD,2024-11-29,1979780,89008,1890772,1.0,61.5,25.8,3.1,9.5,XLF:33.3%;BND:33.3%;MUB:33.3%,US:63.3;EU:15.7;APAC:13.5;EM:5.0;Other:2.4,Value:+0.7;Growth:-0.3;Quality:+0.1;Size:-0.5;Momentum:-0.9;LowVol:+0.6,,6,30,4.6,trailing 9%,175,17.7,Sideways,15.8,4.23,2.7,132,-5,33,44,false,Buy,Add to core equity +1%,-3,8,BrokerB,MKT,86,None,None,Normal monitoring,88,-11,121,5,false,Tax-aware sells next window
P7181,Opportunistic,Roth,USD,2025-06-09,1101896,86260,1015636,1.0,73.7,18.6,0.0,7.7,VOO:27.7%;MUB:22.8%;TSLA:21.8%;IEF:27.7%,US:70.8;EU:11.5;APAC:6.7;EM:9.3;Other:1.7,Value:-0.5;Growth:-0.2;Quality:+0.7;Size:-0.4;Momentum:-0.9;LowVol:-0.4,,10,30,6.1,trailing 9%,229,24.2,Bull,16.9,3.97,3.3,94,47,80,59,false,Buy,Add to core equity +1%,-5,-35,BrokerD,MKT,86,None,None,Normal monitoring,95,-10,83,3,false,Tax-aware sells next window
P7182,Opportunistic,Trust,USD,2025-08-01,1511939,87341,1424598,1.0,70.7,20.6,1.6,7.2,GLD:27.2%;BRK.B:26.6%;VNQ:20.8%;MUB:25.4%,US:74.2;EU:8.9;APAC:12.2;EM:4.3;Other:0.5,Value:-0.9;Growth:-0.8;Quality:-0.5;Size:-0.6;Momentum:+0.4;LowVol:+0.5,,10,30,4.9,hard 12%,231,29.9,Bull,11.2,4.35,2.7,100,56,84,37,false,Buy,Add to core equity +1%,-14,14,BrokerA,VWAP,86,None,None,Normal monitoring,88,-44,225,4,false,Within IPS guidelines
P7183,Systematic,Roth,USD,2025-04-19,1631410,92636,1538774,1.0,60.7,21.7,9.1,8.5,BRK.B:26.5%;BND:21.0%;HYG:26.5%;MUB:26.1%,US:66.2;EU:6.5;APAC:14.2;EM:8.2;Other:4.8,Value:+0.6;Growth:-0.3;Quality:-0.1;Size:+0.9;Momentum:-0.8;LowVol:-0.7,NoDerivatives,6,35,4.0,trailing 8%,160,20.5,Volatile,24.1,3.9,3.6,129,13,50,68,false,Buy,Add to core equity +1%,-13,5,BrokerA,MKT,90,None,None,Normal monitoring,-35,-24,-11,3,false,Monitor dispersion and breadth
P7184,Cautious,Taxable,USD,2025-12-05,872804,132419,740385,1.0,35.5,31.7,21.4,11.3,VNQ:20.9%;HYG:20.2%;IEF:22.8%;GLD:13.3%;VOO:22.8%,US:68.5;EU:11.7;APAC:6.1;EM:11.5;Other:2.2,Value:-0.9;Growth:-0.0;Quality:+0.8;Size:+0.5;Momentum:+0.9;LowVol:-0.2,NoMargin,8,25,5.7,trailing 8%,142,12.0,Volatile,20.7,4.3,3.5,123,62,77,45,false,NoAction,Within bands; monitor,-3,-9,BrokerC,MKT,0,None,None,Normal monitoring,15,-2,74,4,false,Increase defensive factor exposure
P7185,Cautious,Taxable,USD,2025-09-09,209693,23950,185743,1.0,46.9,33.8,4.6,14.7,MUB:20.6%;AMZN:8.2%;AAPL:16.1%;HYG:20.6%;BRK.B:18.2%;IEF:16.4%,US:74.2;EU:6.6;APAC:9.7;EM:8.5;Other:1.0,Value:-0.5;Growth:-0.7;Quality:-0.2;Size:+0.2;Momentum:-0.4;LowVol:-0.5,MaxPos8%;NoMargin,5,35,4.2,trailing 8%,162,13.4,Volatile,24.6,5.03,2.2,155,-22,53,57,false,Rebalance,Shift +1% to bonds from equity,-4,-7,BrokerD,MKT,100,None,None,Normal monitoring,-43,3,39,3,false,Tighten stops on momentum names
P7186,Cautious,IRA,USD,2025-09-16,761846,67037,694809,1.0,47.2,34.6,6.1,12.2,VTI:23.2%;XLF:22.6%;TSLA:16.2%;MSFT:20.8%;VNQ:17.2%,US:64.3;EU:10.5;APAC:14.0;EM:7.3;Other:4.0,Value:-0.0;Growth:0.0;Quality:-0.2;Size:-0.4;Momentum:-0.9;LowVol:-0.2,ESGOnly;MaxPos8%;NoDerivatives;NoMargin,10,30,4.1,trailing 8%,168,12.4,Bear,25.9,3.57,2.3,166,-52,15,65,false,NoAction,Within bands; monitor,-6,-30,BrokerC,LMT,85,None,None,Normal monitoring,105,-52,143,4,false,Tighten stops on momentum names
P7187,Opportunistic,IRA,USD,2025-04-04,1552471,137992,1414479,1.0,75.6,17.2,0.0,7.3,BRK.B:11.3%;IEF:22.2%;MSFT:22.1%;HYG:22.2%;AMZN:22.2%,US:55.2;EU:19.2;APAC:10.7;EM:11.7;Other:3.1,Value:-0.8;Growth:-0.8;Quality:-0.4;Size:+0.2;Momentum:0.0;LowVol:-0.8,,5,25,6.4,hard 12%,246,30.3,Sideways,19.6,4.43,2.4,110,16,61,59,false,Sell,Trim extended winner -1%,15,3,BrokerB,MKT,90,None,None,Normal monitoring,110,-48,96,5,false,Increase defensive factor exposure
P7188,Cautious,IRA,USD,2024-12-22,170583,26757,143826,1.0,40.7,41.6,3.5,14.2,TSLA:35.4%;TLT:35.4%;VNQ:29.2%,US:73.4;EU:6.2;APAC:9.6;EM:9.4;Other:1.4,Value:+0.6;Growth:+0.2;Quality:-0.4;Size:+0.4;Momentum:0.0;LowVol:+0.3,MaxPos5%;NoMargin,5,25,5.0,hard 10%,114,14.4,Volatile,30.1,4.05,2.3,157,-60,17,57,false,Rebalance,Shift +1% to bonds from equity,26,11,BrokerC,LMT,93,None,None,Normal monitoring,-8,-30,90,4,false,Monitor dispersion and breadth
P7189,Hands-off,Trust,USD,2024-09-07,787925,76216,711709,1.0,62.1,29.7,1.7,6.5,VTI:12.9%;BND:19.7%;XLF:22.5%;TSLA:22.5%;MSFT:22.5%,US:70.4;EU:6.0;APAC:9.6;EM:11.1;Other:3.0,Value:0.0;Growth:-0.6;Quality:+0.8;Size:+0.1;Momentum:+1.0;LowVol:+0.7,,8,25,4.4,trailing 8%,147,18.3,Volatile,22.5,4.8,2.5,132,53,63,67,false,Rebalance,Shift +1% to bonds from equity,28,-29,BrokerC,MKT,99,None,None,Normal monitoring,110,6,174,5,false,Tighten stops on momentum names
P7190,Opportunistic,Trust,USD,2025-04-20,356517,20941,335576,1.0,62.7,16.3,16.7,4.2,GLD:21.6%;MSFT:16.7%;IEF:19.9%;VOO:10.3%;TLT:9.9%;HYG:21.6%,US:60.7;EU:19.2;APAC:12.9;EM:6.5;Other:0.7,Value:+0.3;Growth:+0.9;Quality:+0.5;Size:-0.2;Momentum:-0.1;LowVol:-0.3,,8,35,6.8,trailing 7%,168,21.3,Bull,13.5,3.77,2.6,74,63,72,37,false,Sell,Trim extended winner -1%,18,-16,BrokerA,MKT,90,None,None,Normal monitoring,111,-4,223,4,false,Tax-aware sells next window
P7191,Systematic,401k,USD,2025-05-21,561467,51577,509890,1.0,64.6,28.5,0.0,6.9,TSLA:11.1%;VTI:25.1%;TLT:25.1%;XLF:11.3%;MSFT:17.4%;BRK.B:10.1%,US:55.8;EU:18.6;APAC:11.3;EM:11.3;Other:3.0,Value:-0.5;Growth:-0.2;Quality:-0.2;Size:-0.8;Momentum:-0.2;LowVol:-0.3,,6,30,4.3,trailing 8%,176,27.5,Volatile,20.2,4.63,2.5,158,-8,34,57,false,Rebalance,Shift +1% to bonds from equity,-15,5,BrokerC,MKT,92,None,None,Normal monitoring,38,-7,70,3,false,Monitor dispersion and breadth
P7192,Cautious,IRA,USD,2025-06-12,397091,32218,364873,1.0,38.3,31.9,13.9,15.9,MSFT:29.0%;VNQ:13.0%;BND:29.0%;TLT:29.0%,US:74.1;EU:6.7;APAC:7.9;EM:10.9;Other:0.3,Value:-0.5;Growth:+0.2;Quality:-0.3;Size:-0.9;Momentum:-0.9;LowVol:+0.5,ESGOnly;MaxPos8%;NoDerivatives;NoMargin,7,25,4.6,hard 10%,143,13.1,Bull,14.3,4.35,2.2,97,69,91,30,false,Sell,Trim extended winner -1%,33,5,BrokerC,MKT,88,None,None,Normal monitoring,51,3,104,4,false,Monitor dispersion and breadth
P7193,Hands-off,Trust,USD,2024-09-25,828312,38298,790014,1.0,64.8,20.1,7.4,7.7,AAPL:33.9%;TLT:33.9%;XLF:32.1%,US:62.9;EU:17.2;APAC:12.9;EM:5.9;Other:1.1,Value:+0.3;Growth:+0.7;Quality:+0.3;Size:-0.2;Momentum:-0.4;LowVol:+0.4,ESGOnly,7,30,5.5,trailing 8%,161,12.5,Sideways,20.5,4.63,3.2,93,-14,30,59,false,Buy,Add to core equity +1%,-5,-23,BrokerD,MKT,98,None,None,Normal monitoring,24,-43,82,3,false,Tax-aware sells next window
P7194,Systematic,Trust,USD,2025-05-24,1991329,121905,1869424,1.0,63.7,21.6,6.2,8.5,XLF:25.0%;BRK.B:25.0%;QQQ:25.0%;MUB:25.0%,US:70.1;EU:13.3;APAC:6.7;EM:9.7;Other:0.2,Value:-0.1;Growth:+0.3;Quality:-1.0;Size:-0.5;Momentum:-0.2;LowVol:-0.7,MaxPos8%,8,35,4.8,trailing 8%,157,21.6,Bull,17.8,4.96,2.8,74,118,100,45,false,Buy,Add to core equity +1%,9,14,BrokerC,LMT,85,None,None,Normal monitoring,-48,-39,71,3,false,Increase defensive factor exposure
P7195,Hands-off,Taxable,USD,2025-03-21,528206,24868,503338,1.0,72.8,18.9,1.8,6.4,HYG:20.7%;BND:20.7%;AAPL:20.7%;VTI:6.2%;GLD:10.8%;VNQ:20.7%,US:61.5;EU:17.1;APAC:13.6;EM:6.8;Other:1.0,Value:+0.5;Growth:-0.3;Quality:-0.3;Size:+0.1;Momentum:-0.6;LowVol:+0.5,ESGOnly,7,25,5.3,trailing 8%,132,17.7,Sideways,20.3,3.76,2.4,94,38,64,68,false,Hedge,Add TLT +1% as duration hedge,1,6,BrokerC,LMT,100,None,None,Normal monitoring,96,-53,223,3,false,Tighten stops on momentum names
P7196,Hands-off,Roth,USD,2025-09-22,586291,34487,551804,1.0,60.7,21.4,10.8,7.1,IEF:11.3%;TLT:18.8%;QQQ:16.0%;HYG:20.3%;AAPL:14.1%;VNQ:19.5%,US:68.4;EU:13.8;APAC:8.8;EM:6.5;Other:2.4,Value:+0.7;Growth:+0.9;Quality:+0.6;Size:+0.4;Momentum:-0.7;LowVol:0.0,ESGOnly,7,35,5.1,hard 10%,113,19.0,Bull,12.5,4.37,2.2,79,113,100,44,false,Rebalance,Shift +1% to bonds from equity,33,-4,BrokerA,MKT,88,None,None,Normal monitoring,0,12,95,4,false,Increase defensive factor exposure
P7197,Hands-off,IRA,USD,2025-09-09,777329,66591,710738,1.0,64.8,16.1,12.1,7.0,XLF:17.4%;AAPL:22.3%;QQQ:11.0%;BRK.B:24.6%;MUB:24.6%,US:65.0;EU:18.8;APAC:7.7;EM:7.8;Other:0.7,Value:-0.4;Growth:+0.4;Quality:-0.6;Size:+0.9;Momentum:-0.4;LowVol:+0.4,ESGOnly,5,30,5.1,trailing 8%,101,13.1,Bear,28.5,4.0,1.6,134,-31,42,67,false,Buy,Add to core equity +1%,3,-31,BrokerB,LMT,93,None,None,Normal monitoring,100,-52,89,4,false,Monitor dispersion and breadth
P7198,Cautious,Trust,USD,2025-04-25,295722,32558,263164,1.0,40.4,41.6,3.7,14.3,VOO:27.1%;BRK.B:27.1%;AMZN:18.6%;QQQ:27.1%,US:67.0;EU:6.2;APAC:13.9;EM:9.5;Other:3.5,Value:+0.7;Growth:-0.6;Quality:+0.7;Size:-0.6;Momentum:-0.3;LowVol:-0.9,ESGOnly;MaxPos7%;NoMargin,10,30,4.6,hard 10%,115,12.6,Sideways,16.3,3.99,3.2,127,-21,47,35,false,Hedge,Add TLT +1% as duration hedge,-3,-27,BrokerC,MKT,92,None,None,Normal monitoring,53,-37,95,3,false,Within IPS guidelines
P7199,Hands-off,Roth,USD,2025-07-31,782838,31329,751509,1.0,56.8,19.9,15.0,8.3,AMZN:20.5%;IEF:16.6%;MSFT:13.5%;TLT:12.3%;GLD:16.7%;XLF:20.5%,US:75.2;EU:6.6;APAC:6.5;EM:9.6;Other:2.2,Value:-0.9;Growth:-0.3;Quality:+0.2;Size:+1.0;Momentum:+0.4;LowVol:+0.7,ESGOnly;MaxPos7%,5,35,5.5,trailing 8%,163,15.5,Bull,11.0,4.3,3.1,116,76,99,41,false,NoAction,Within bands; monitor,12,7,BrokerB,LMT,93,None,None,Normal monitoring,81,-18,200,5,false,Tax-aware sells next window
P7200,Opportunistic,401k,USD,2025-04-17,1701913,118007,1583906,1.15,71.9,19.8,0.0,8.3,BRK.B:33.3%;IEF:33.3%;MUB:33.3%,US:66.3;EU:16.9;APAC:8.7;EM:7.5;Other:0.7,Value:-0.8;Growth:-0.5;Quality:+1.0;Size:-0.5;Momentum:+0.7;LowVol:+0.2,,10,25,5.0,hard 12%,171,26.6,Bear,30.9,4.49,2.5,178,-77,8,76,true,Reduce,"Cut high-beta by 2-3%, add cash",-11,-24,BrokerB,LMT,96,VAR>budget,Reduce,Risk above budget threshold,78,16,134,2,false,Tighten stops on momentum names
P7201,Active,Taxable,USD,2024-08-22,1950549,139248,1811301,1.0,55.9,29.9,8.6,5.6,VNQ:15.6%;BRK.B:21.8%;GLD:7.0%;MSFT:21.8%;AAPL:12.0%;VOO:21.8%,US:70.9;EU:7.0;APAC:8.9;EM:11.0;Other:2.2,Value:+0.2;Growth:-0.5;Quality:+0.9;Size:-0.1;Momentum:+0.9;LowVol:+0.6,,6,30,5.5,trailing 9%,130,16.3,Volatile,21.7,4.58,3.8,134,46,81,54,false,NoAction,Within bands; monitor,-3,-28,BrokerB,MKT,0,None,None,Normal monitoring,-14,-39,-51,5,false,Tighten stops on momentum names
P7202,Cautious,IRA,USD,2025-02-17,367381,36882,330499,1.0,36.8,36.8,8.8,17.5,HYG:23.1%;VNQ:23.1%;IEF:16.9%;VOO:23.1%;AMZN:13.8%,US:63.4;EU:16.0;APAC:10.0;EM:9.9;Other:0.7,Value:+0.8;Growth:+1.0;Quality:+0.6;Size:-0.7;Momentum:-0.5;LowVol:+0.4,ESGOnly;NoMargin,5,25,4.0,hard 10%,112,12.6,Volatile,31.5,3.69,4.0,131,2,36,64,false,NoAction,Within bands; monitor,30,5,BrokerA,LMT,94,None,None,Normal monitoring,41,-40,5,3,false,Increase defensive factor exposure
P7203,Cautious,Roth,USD,2024-12-21,244112,31407,212705,1.0,46.7,39.7,0.0,13.6,BND:18.8%;TLT:15.6%;TSLA:17.5%;QQQ:16.2%;XLF:20.7%;MUB:11.2%,US:65.8;EU:14.9;APAC:8.9;EM:7.3;Other:3.1,Value:+0.6;Growth:+0.5;Quality:+0.5;Size:+0.9;Momentum:+0.5;LowVol:+0.7,NoMargin,6,25,5.4,trailing 8%,110,14.9,Bull,17.9,4.25,2.7,98,57,63,47,false,Buy,Add to core equity +1%,14,15,BrokerA,VWAP,97,None,None,Normal monitoring,-23,13,-6,4,false,Within IPS guidelines
P7204,Active,401k,USD,2025-03-26,2374833,258730,2116103,1.0,54.9,28.0,9.5,7.6,MSFT:33.7%;VOO:33.7%;VTI:32.5%,US:71.0;EU:8.3;APAC:14.1;EM:6.2;Other:0.5,Value:-0.6;Growth:-0.8;Quality:-0.6;Size:+0.2;Momentum:+0.6;LowVol:-0.5,MaxPos8%;NoDerivatives,5,30,5.7,hard 12%,216,26.4,Volatile,25.7,4.09,3.7,131,-35,19,57,false,Rebalance,Shift +1% to bonds from equity,-15,-21,BrokerD,MKT,88,None,None,Normal monitoring,-19,10,-56,4,false,Monitor dispersion and breadth
P7205,Cautious,Trust,USD,2024-08-17,866422,72799,793623,1.0,39.6,35.5,14.4,10.5,HYG:33.3%;MSFT:33.3%;VTI:33.3%,US:59.0;EU:18.5;APAC:9.3;EM:13.0;Other:0.2,Value:+0.9;Growth:-0.7;Quality:+0.7;Size:-0.9;Momentum:+0.1;LowVol:-0.9,ESGOnly;MaxPos5%;NoMargin,7,30,3.9,trailing 8%,90,19.9,Bear,31.0,3.68,2.7,167,-54,19,56,true,Reduce,"Cut high-beta by 2-3%, add cash",35,-36,BrokerD,LMT,94,VAR>budget,Reduce,Risk above budget threshold,27,20,144,3,false,Tax-aware sells next window
P7206,Active,Roth,USD,2025-12-23,1848379,142329,1706050,1.1,67.4,24.2,2.2,6.3,AMZN:20.9%;VNQ:21.6%;HYG:21.6%;VOO:14.3%;TLT:21.6%,US:73.1;EU:11.7;APAC:11.7;EM:2.9;Other:0.6,Value:+0.7;Growth:-0.5;Quality:+0.1;Size:+0.2;Momentum:+0.8;LowVol:-0.0,MaxPos7%,5,25,5.9,hard 12%,184,22.9,Bull,16.8,4.19,2.6,79,99,100,53,false,Buy,Add to core equity +1%,9,4,BrokerA,MKT,95,None,None,Normal monitoring,5,-24,80,4,false,Tighten stops on momentum names
P7207,Cautious,Trust,USD,2025-10-31,573970,51980,521990,1.0,44.4,42.5,0.0,13.1,VTI:23.4%;MSFT:10.2%;MUB:23.4%;VOO:19.6%;GLD:23.4%,US:74.3;EU:8.2;APAC:12.8;EM:3.3;Other:1.4,Value:+0.2;Growth:-0.2;Quality:-0.4;Size:+0.3;Momentum:-0.0;LowVol:-0.0,NoDerivatives;NoMargin,10,25,5.7,trailing 8%,161,19.4,Volatile,22.3,3.55,2.1,142,-52,25,56,false,Rebalance,Shift +1% to bonds from equity,9,5,BrokerB,LMT,86,None,None,Normal monitoring,24,-11,108,3,false,Increase defensive factor exposure
P7208,Cautious,Taxable,USD,2024-07-24,214325,23596,190729,1.0,45.9,36.0,4.9,13.2,MSFT:21.6%;GLD:16.6%;MUB:21.6%;VTI:12.5%;XLF:18.2%;IEF:9.6%,US:64.6;EU:17.0;APAC:6.6;EM:7.7;Other:4.1,Value:+0.7;Growth:-0.9;Quality:+0.5;Size:-0.4;Momentum:-0.5;LowVol:-0.5,ESGOnly;MaxPos8%;NoDerivatives;NoMargin,10,35,4.3,hard 10%,92,16.1,Bear,22.5,4.41,2.9,174,-46,31,56,false,Buy,Add to core equity +1%,1,-14,BrokerD,MKT,86,None,None,Normal monitoring,-50,-44,-63,4,false,Tax-aware sells next window
P7209,Opportunistic,Trust,USD,2024-10-14,1564463,59928,1504535,1.17,66.9,17.5,9.7,5.8,AMZN:25.0%;XLF:25.0%;TSLA:25.0%;VOO:25.0%,US:61.4;EU:18.3;APAC:9.5;EM:6.6;Other:4.2,Value:-0.5;Growth:+0.8;Quality:-0.2;Size:+0.1;Momentum:+0.1;LowVol:-0.1,,7,25,5.3,trailing 7%,197,28.9,Bull,15.1,3.81,3.3,103,15,52,45,false,Sell,Trim extended winner -1%,34,-22,BrokerA,LMT,100,None,None,Normal monitoring,64,-9,65,5,false,Within IPS guidelines
P7210,Systematic,401k,USD,2024-08-28,441668,42383,399285,1.0,59.7,27.0,8.1,5.2,BRK.B:25.0%;AMZN:25.0%;IEF:25.0%;AAPL:25.0%,US:65.6;EU:13.6;APAC:10.3;EM:8.4;Other:2.1,Value:-0.7;Growth:-0.7;Quality:-0.8;Size:-0.8;Momentum:0.0;LowVol:+0.1,,10,30,4.5,hard 12%,183,25.8,Volatile,30.4,5.33,4.3,139,40,85,79,true,Rebalance,Rebalance back to target bands,-7,-5,BrokerD,LMT,90,RegimeShift,TightenStops,Volatility spike and breadth deterioration,15,-24,19,5,false,Within IPS guidelines
P7211,Hands-off,Trust,USD,2025-04-07,204604,16945,187659,1.0,69.0,15.5,6.7,8.7,VNQ:15.7%;IEF:15.8%;BND:23.8%;GLD:23.8%;TLT:20.9%,US:68.2;EU:9.4;APAC:10.0;EM:10.2;Other:2.2,Value:-0.7;Growth:+0.6;Quality:+0.3;Size:+0.6;Momentum:+0.5;LowVol:-0.6,ESGOnly;MaxPos5%;NoDerivatives,6,30,5.3,trailing 8%,98,16.3,Bull,11.0,3.75,2.1,94,108,100,52,false,Rebalance,Shift +1% to bonds from equity,-5,-13,BrokerC,LMT,100,None,None,Normal monitoring,-11,-12,37,3,false,Monitor dispersion and breadth
P7212,Active,Taxable,USD,2025-06-25,1220168,143697,1076471,1.0,58.0,28.9,6.9,6.2,BND:25.3%;IEF:15.8%;QQQ:11.1%;GLD:25.3%;MUB:22.5%,US:67.2;EU:8.6;APAC:12.0;EM:9.7;Other:2.5,Value:+0.9;Growth:+0.9;Quality:+0.4;Size:+0.2;Momentum:+0.2;LowVol:-0.8,MaxPos6%;NoDerivatives,7,30,5.3,trailing 9%,177,22.5,Volatile,27.6,4.42,2.6,156,-42,42,62,false,Sell,Trim extended winner -1%,-14,10,BrokerB,LMT,88,None,None,Normal monitoring,53,-25,142,5,false,Monitor dispersion and breadth
P7213,Active,Trust,USD,2025-04-19,1341362,136696,1204666,1.0,57.7,28.4,4.2,9.8,XLF:24.1%;BND:18.1%;MSFT:11.7%;IEF:22.1%;AAPL:24.1%,US:69.4;EU:5.9;APAC:16.3;EM:7.2;Other:1.2,Value:-0.3;Growth:+0.7;Quality:0.0;Size:+0.3;Momentum:+0.9;LowVol:+0.1,MaxPos6%,6,25,5.8,trailing 8%,132,19.7,Volatile,30.5,4.59,2.7,160,54,66,76,true,Hedge,Buy index puts 1% notional,33,-13,BrokerB,VWAP,90,Drift>tolerance,Reduce,Allocation drift beyond policy bands,5,-18,64,3,false,Increase defensive factor exposure
P7214,Active,Trust,USD,2025-04-27,673857,59677,614180,1.0,65.5,25.4,0.0,9.1,MSFT:13.3%;TLT:14.2%;XLF:15.6%;VOO:16.5%;IEF:20.4%;MUB:20.0%,US:63.5;EU:8.9;APAC:13.6;EM:13.8;Other:0.1,Value:-0.8;Growth:-0.8;Quality:-0.4;Size:+0.1;Momentum:+0.4;LowVol:+0.6,,6,30,4.8,hard 12%,180,25.7,Bear,23.0,4.21,1.3,158,-119,5,55,false,Sell,Trim extended winner -1%,30,-22,BrokerC,LMT,92,None,None,Normal monitoring,37,8,46,5,false,Increase defensive factor exposure
P7215,Opportunistic,IRA,USD,2025-11-10,332424,11358,321066,1.0,63.3,16.9,12.9,6.8,IEF:21.1%;AAPL:14.7%;VOO:18.5%;AMZN:13.1%;GLD:21.1%;TLT:11.5%,US:66.8;EU:6.0;APAC:14.4;EM:9.2;Other:3.7,Value:+0.4;Growth:-0.2;Quality:+0.8;Size:-0.3;Momentum:-0.7;LowVol:+0.5,,6,30,6.7,trailing 7%,167,20.5,Bull,16.9,4.07,3.4,95,79,94,44,false,Sell,Trim extended winner -1%,14,14,BrokerA,LMT,99,None,None,Normal monitoring,75,-18,153,4,false,Tax-aware sells next window
P7216,Cautious,Trust,USD,2025-03-30,325260,41132,284128,1.0,35.5,31.7,15.8,17.1,HYG:33.3%;VOO:33.3%;AAPL:33.3%,US:69.2;EU:12.3;APAC:7.1;EM:8.8;Other:2.6,Value:-0.0;Growth:+0.9;Quality:+0.5;Size:+0.5;Momentum:+0.2;LowVol:-0.2,ESGOnly;MaxPos8%;NoMargin,10,35,4.3,trailing 10%,112,18.5,Bull,14.7,4.07,2.7,78,54,75,32,false,Rebalance,Shift +1% to bonds from equity,-2,14,BrokerB,MKT,93,None,None,Normal monitoring,90,-39,136,5,false,Increase defensive factor exposure
P7217,Hands-off,IRA,USD,2025-04-08,567518,47171,520347,1.0,64.6,27.2,0.0,8.2,VNQ:16.4%;TSLA:21.1%;MUB:17.7%;QQQ:8.0%;TLT:21.1%;HYG:15.8%,US:70.8;EU:15.8;APAC:8.7;EM:3.2;Other:1.5,Value:-0.3;Growth:-0.0;Quality:+0.9;Size:+0.7;Momentum:-0.5;LowVol:+0.9,,10,30,6.0,trailing 8%,158,13.7,Bull,15.1,4.62,3.2,109,104,100,49,false,Hedge,Add TLT +1% as duration hedge,-12,-25,BrokerC,MKT,99,None,None,Normal monitoring,39,3,69,3,false,Tax-aware sells next window
P7218,Hands-off,Taxable,USD,2024-08-22,378904,32235,346669,1.0,62.6,20.0,8.7,8.6,XLF:20.2%;TSLA:15.9%;BND:20.3%;GLD:17.3%;MSFT:11.0%;MUB:15.3%,US:70.3;EU:10.5;APAC:9.6;EM:7.3;Other:2.2,Value:+0.9;Growth:+0.4;Quality:+0.8;Size:-0.9;Momentum:+0.6;LowVol:+0.6,MaxPos8%;NoDerivatives,10,30,3.3,trailing 8%,139,14.5,Bull,15.8,3.83,2.5,116,113,100,52,false,Buy,Add to core equity +1%,18,-19,BrokerA,VWAP,95,None,None,Normal monitoring,82,-46,111,5,false,Increase defensive factor exposure
P7219,Cautious,IRA,USD,2025-06-29,398585,58506,340079,1.0,42.6,38.2,8.7,10.5,BRK.B:33.3%;IEF:33.3%;QQQ:33.3%,US:65.0;EU:11.7;APAC:14.0;EM:5.2;Other:4.1,Value:-0.6;Growth:+0.5;Quality:-0.9;Size:+0.8;Momentum:-0.2;LowVol:+0.2,ESGOnly;NoDerivatives;NoMargin,6,30,3.8,trailing 8%,142,17.9,Volatile,28.2,4.24,3.1,111,-6,59,55,false,Buy,Add to core equity +1%,-4,-39,BrokerC,MKT,91,None,None,Normal monitoring,35,-47,95,5,false,Monitor dispersion and breadth
P7220,Systematic,IRA,USD,2024-12-10,879848,54575,825273,1.0,60.1,26.2,5.8,7.9,BND:25.0%;MUB:25.0%;QQQ:25.0%;GLD:25.0%,US:71.1;EU:6.7;APAC:12.5;EM:7.3;Other:2.3,Value:-0.4;Growth:+0.4;Quality:+0.3;Size:-0.0;Momentum:-0.6;LowVol:+0.1,MaxPos6%;NoDerivatives,6,25,4.1,trailing 9%,145,16.5,Bull,15.7,4.94,3.3,90,34,81,50,false,Sell,Trim extended winner -1%,7,-35,BrokerC,MKT,97,None,None,Normal monitoring,49,-12,177,5,false,Tax-aware sells next window
P7221,Hands-off,Taxable,USD,2024-09-05,599842,53436,546406,1.0,60.0,20.0,13.3,6.8,QQQ:26.2%;XLF:26.2%;BRK.B:26.2%;AMZN:21.4%,US:64.0;EU:16.4;APAC:8.4;EM:8.6;Other:2.7,Value:-0.4;Growth:+0.3;Quality:+0.7;Size:+0.4;Momentum:+0.8;LowVol:+0.8,ESGOnly;MaxPos8%,7,30,3.9,trailing 8%,166,15.2,Bear,34.0,4.29,2.0,175,14,66,74,true,Hedge,Buy index puts 1% notional,-10,8,BrokerA,VWAP,87,RegimeShift,Reduce,Volatility spike and breadth deterioration,-7,-22,33,4,false,Monitor dispersion and breadth
P7222,Cautious,Roth,USD,2025-07-16,392109,62665,329444,1.0,52.7,31.4,1.1,14.7,TLT:23.7%;VNQ:11.4%;BRK.B:23.7%;TSLA:18.8%;AAPL:22.3%,US:59.0;EU:16.7;APAC:9.2;EM:9.9;Other:5.2,Value:-0.8;Growth:+0.8;Quality:-0.4;Size:-0.8;Momentum:+0.4;LowVol:-0.1,NoMargin,8,35,4.1,trailing 10%,135,14.6,Sideways,17.2,4.5,3.1,106,-6,52,50,false,NoAction,Within bands; monitor,35,-18,BrokerD,MKT,0,None,None,Normal monitoring,31,6,10,4,false,Monitor dispersion and breadth
P7223,Active,IRA,USD,2025-08-13,1463140,146396,1316744,1.0,68.6,21.7,0.0,9.7,TLT:25.4%;TSLA:25.4%;AMZN:25.4%;MSFT:23.9%,US:76.1;EU:8.4;APAC:9.2;EM:4.9;Other:1.5,Value:+0.6;Growth:+0.9;Quality:+0.5;Size:0.0;Momentum:-0.9;LowVol:+0.8,NoDerivatives,5,35,4.2,trailing 8%,226,20.4,Volatile,22.6,3.93,3.6,138,-10,36,72,true,Hedge,Buy index puts 1% notional,20,-31,BrokerD,MKT,87,RegimeShift,TightenStops,Volatility spike and breadth deterioration,106,-33,211,4,false,Increase defensive factor exposure
P7224,Hands-off,401k,USD,2025-06-26,556252,28826,527426,1.0,60.2,24.4,10.2,5.3,IEF:21.3%;MUB:15.7%;TSLA:12.5%;VTI:20.1%;BND:18.6%;GLD:11.8%,US:66.4;EU:13.6;APAC:8.6;EM:7.5;Other:3.9,Value:-0.2;Growth:+0.4;Quality:-0.4;Size:+0.2;Momentum:+0.6;LowVol:-0.7,MaxPos7%,10,30,3.1,trailing 8%,133,18.0,Volatile,20.4,5.5,2.7,153,-45,41,49,false,Rebalance,Shift +1% to bonds from equity,6,-3,BrokerC,LMT,100,None,None,Normal monitoring,-5,-23,-44,5,false,Increase defensive factor exposure
P7225,Active,Trust,USD,2024-08-13,520251,46050,474201,1.0,53.4,26.3,11.6,8.8,QQQ:33.3%;IEF:33.3%;MUB:33.3%,US:67.2;EU:13.4;APAC:11.4;EM:3.4;Other:4.7,Value:+0.8;Growth:-0.9;Quality:-0.6;Size:+0.3;Momentum:+0.2;LowVol:-0.5,,7,35,5.4,hard 12%,163,22.6,Volatile,24.7,5.24,2.9,162,72,93,68,false,Rebalance,Shift +1% to bonds from equity,22,4,BrokerA,MKT,86,None,None,Normal monitoring,15,-22,-17,3,false,Tighten stops on momentum names
P7226,Cautious,Trust,USD,2024-07-25,510512,62223,448289,1.0,44.0,43.2,0.0,12.8,GLD:15.0%;IEF:10.0%;VTI:14.5%;TLT:20.7%;BND:20.7%;MSFT:19.1%,US:72.9;EU:7.0;APAC:13.9;EM:5.8;Other:0.5,Value:+0.7;Growth:+1.0;Quality:-1.0;Size:-0.4;Momentum:+0.6;LowVol:+0.6,ESGOnly;NoMargin,6,35,4.8,hard 10%,137,15.6,Bear,32.2,3.05,1.4,160,-67,13,77,true,Hedge,Buy index puts 1% notional,3,-38,BrokerA,MKT,93,Drift>tolerance,Reduce,Allocation drift beyond policy bands,51,-46,36,2,false,Within IPS guidelines
P7227,Hands-off,Trust,USD,2025-08-08,836739,63060,773679,1.0,64.3,25.0,2.9,7.7,IEF:33.3%;QQQ:33.3%;VNQ:33.3%,US:67.0;EU:9.3;APAC:8.2;EM:12.6;Other:2.9,Value:-1.0;Growth:-0.6;Quality:-0.6;Size:+0.3;Momentum:+0.1;LowVol:+0.4,MaxPos8%;NoDerivatives,10,35,3.6,trailing 8%,97,13.1,Sideways,19.7,3.7,2.5,121,42,64,52,false,Rebalance,Shift +1% to bonds from equity,35,4,BrokerA,LMT,87,None,None,Normal monitoring,-33,-20,-9,4,false,Monitor dispersion and breadth
P7228,Hands-off,Trust,USD,2024-12-11,794179,69337,724842,1.0,68.8,20.6,2.8,7.7,VOO:33.3%;XLF:33.3%;HYG:33.3%,US:60.5;EU:15.9;APAC:10.4;EM:8.5;Other:4.7,Value:+0.3;Growth:+1.0;Quality:-0.7;Size:-0.4;Momentum:+0.4;LowVol:-0.3,ESGOnly,10,35,4.8,hard 10%,123,18.2,Sideways,21.3,3.76,2.7,125,52,71,65,false,Sell,Trim extended winner -1%,18,1,BrokerA,LMT,98,None,None,Normal monitoring,29,4,63,5,false,Within IPS guidelines
P7229,Hands-off,Trust,USD,2024-10-10,886529,65826,820703,1.0,60.6,28.9,1.5,9.0,IEF:9.8%;QQQ:16.8%;XLF:21.1%;AMZN:20.6%;TSLA:21.1%;GLD:10.7%,US:57.9;EU:14.9;APAC:11.7;EM:11.8;Other:3.8,Value:-0.1;Growth:+0.6;Quality:-0.4;Size:-0.9;Momentum:+0.8;LowVol:+0.3,MaxPos7%,6,35,3.2,trailing 8%,170,15.5,Sideways,15.3,3.86,3.3,114,25,51,45,false,Buy,Add to core equity +1%,22,-36,BrokerB,VWAP,95,None,None,Normal monitoring,-53,8,31,4,false,Tax-aware sells next window
P7230,Systematic,Roth,USD,2025-08-03,1108777,78498,1030279,1.0,62.7,29.3,0.0,7.9,VOO:10.3%;TLT:23.8%;XLF:23.8%;VTI:23.8%;QQQ:18.4%,US:59.6;EU:17.1;APAC:8.0;EM:10.8;Other:4.5,Value:-0.6;Growth:-0.6;Quality:+0.6;Size:+0.6;Momentum:+0.9;LowVol:-0.2,NoDerivatives,8,25,5.7,hard 12%,166,27.3,Bull,14.0,4.59,3.5,83,34,75,52,false,Rebalance,Shift +1% to bonds from equity,-12,-13,BrokerB,MKT,97,None,None,Normal monitoring,85,-22,60,4,false,Tighten stops on momentum names
P7231,Systematic,401k,USD,2025-05-27,1870207,87209,1782998,1.0,61.0,26.0,5.2,7.8,QQQ:11.6%;VOO:22.6%;MSFT:22.6%;MUB:21.8%;TSLA:21.4%,US:70.9;EU:10.2;APAC:9.0;EM:7.5;Other:2.5,Value:-0.6;Growth:+0.1;Quality:+0.2;Size:-1.0;Momentum:-0.4;LowVol:+0.5,,6,30,4.9,trailing 9%,225,21.7,Bear,29.7,3.22,2.8,213,-82,22,69,false,Buy,Add to core equity +1%,31,-16,BrokerD,LMT,92,None,None,Normal monitoring,85,-39,186,5,false,Increase defensive factor exposure
P7232,Cautious,401k,USD,2025-01-24,417779,62120,355659,1.0,39.3,38.8,8.6,13.2,HYG:33.3%;XLF:33.3%;TLT:33.3%,US:74.6;EU:5.5;APAC:13.2;EM:5.6;Other:1.0,Value:-0.0;Growth:+0.6;Quality:+0.8;Size:+0.7;Momentum:+0.5;LowVol:+0.3,ESGOnly;MaxPos5%;NoMargin,7,25,3.3,trailing 8%,105,18.3,Bull,13.7,4.43,2.4,74,0,57,22,false,Hedge,Add TLT +1% as duration hedge,-8,5,BrokerC,MKT,86,None,None,Normal monitoring,61,-32,151,3,false,Monitor dispersion and breadth
P7233,Cautious,IRA,USD,2025-10-22,713439,112082,601357,1.0,35.9,33.5,17.4,13.2,AAPL:13.5%;HYG:28.8%;IEF:28.8%;TLT:28.8%,US:53.9;EU:16.0;APAC:14.6;EM:10.9;Other:4.7,Value:+0.3;Growth:+0.2;Quality:+0.8;Size:-1.0;Momentum:+0.7;LowVol:+0.8,ESGOnly;NoMargin,8,30,5.6,trailing 8%,139,17.6,Volatile,31.8,4.28,3.2,152,-52,18,57,false,Buy,Add to core equity +1%,-6,-38,BrokerD,MKT,87,None,None,Normal monitoring,75,19,91,4,false,Monitor dispersion and breadth
P7234,Opportunistic,401k,USD,2025-07-17,1667410,114592,1552818,1.0,60.7,14.7,16.5,8.0,TSLA:12.6%;XLF:18.3%;BND:20.7%;GLD:15.8%;VNQ:21.4%;AMZN:11.2%,US:62.5;EU:14.8;APAC:9.4;EM:10.7;Other:2.5,Value:+0.3;Growth:-0.7;Quality:-0.6;Size:+0.3;Momentum:+0.8;LowVol:+0.7,NoDerivatives,7,25,6.5,trailing 7%,252,29.1,Volatile,26.1,4.56,2.2,180,70,71,75,true,Rebalance,Rebalance back to target bands,17,-32,BrokerB,LMT,94,RegimeShift,Hedge,Volatility spike and breadth deterioration,-3,-51,-32,3,false,Tax-aware sells next window
P7235,Cautious,Roth,USD,2024-08-06,352540,47948,304592,1.0,41.0,41.4,6.5,11.2,TSLA:35.2%;VTI:29.7%;GLD:35.2%,US:67.1;EU:11.7;APAC:6.0;EM:9.8;Other:5.3,Value:-1.0;Growth:+0.9;Quality:0.0;Size:+0.9;Momentum:-0.3;LowVol:+0.1,NoDerivatives;NoMargin,6,30,4.0,trailing 8%,142,18.9,Bear,24.6,3.62,1.3,164,-31,43,47,false,Rebalance,Shift +1% to bonds from equity,22,-40,BrokerD,MKT,93,None,None,Normal monitoring,106,-57,203,5,false,Within IPS guidelines
P7236,Systematic,401k,USD,2025-07-04,888529,41244,847285,1.0,67.6,21.8,0.7,9.9,VOO:12.7%;QQQ:20.7%;HYG:15.8%;XLF:14.2%;VTI:20.7%;TSLA:15.8%,US:69.4;EU:8.5;APAC:9.6;EM:9.9;Other:2.6,Value:-0.4;Growth:+0.5;Quality:-0.3;Size:+1.0;Momentum:+0.1;LowVol:-0.3,NoDerivatives,5,30,5.6,trailing 8%,211,27.9,Bull,14.6,4.49,2.3,112,88,96,54,false,Rebalance,Shift +1% to bonds from equity,15,8,BrokerA,MKT,100,None,None,Normal monitoring,22,-27,117,3,false,Tax-aware sells next window
P7237,Active,Taxable,USD,2025-08-16,1457344,145971,1311373,1.07,62.4,22.8,5.1,9.6,AMZN:15.7%;VNQ:25.1%;MSFT:29.6%;MUB:29.6%,US:71.2;EU:10.2;APAC:6.5;EM:10.0;Other:2.1,Value:-0.4;Growth:+1.0;Quality:+0.4;Size:+0.9;Momentum:-0.9;LowVol:+0.8,,7,35,4.8,trailing 8%,220,17.2,Volatile,24.8,5.26,2.8,132,38,65,74,true,Reduce,"Cut high-beta by 2-3%, add cash",23,3,BrokerB,MKT,95,RegimeShift,Hedge,Volatility spike and breadth deterioration,78,10,96,4,false,Monitor dispersion and breadth
P7238,Active,Roth,USD,2025-11-27,2352092,262767,2089325,1.0,55.7,24.9,11.4,8.0,QQQ:19.5%;MUB:15.0%;BRK.B:24.1%;MSFT:17.3%;TSLA:24.1%,US:60.5;EU:9.5;APAC:15.8;EM:12.8;Other:1.4,Value:-1.0;Growth:-0.7;Quality:-1.0;Size:-0.2;Momentum:+0.3;LowVol:-0.4,,6,35,5.6,hard 12%,198,24.8,Volatile,27.9,5.07,3.0,153,61,89,76,true,Rebalance,Rebalance back to target bands,16,-25,BrokerB,LMT,96,VAR>budget,TightenStops,Risk above budget threshold,4,-26,122,2,false,Monitor dispersion and breadth
P7239,Systematic,Taxable,USD,2025-04-27,1857101,87535,1769566,1.0,67.2,20.5,2.5,9.8,MUB:33.3%;VNQ:33.3%;AMZN:33.3%,US:60.4;EU:17.3;APAC:9.4;EM:9.3;Other:3.6,Value:0.0;Growth:+0.7;Quality:-0.8;Size:+0.9;Momentum:+0.7;LowVol:-0.2,MaxPos8%;NoDerivatives,10,25,4.2,hard 12%,125,25.9,Sideways,15.2,3.83,3.0,136,13,48,50,false,Sell,Trim extended winner -1%,35,-28,BrokerA,MKT,95,None,None,Normal monitoring,114,-45,254,4,false,Tax-aware sells next window
P7240,Systematic,IRA,USD,2025-02-02,788364,74614,713750,1.0,63.8,20.6,6.8,8.8,VNQ:36.4%;AMZN:36.4%;VOO:27.3%,US:56.8;EU:20.6;APAC:11.0;EM:7.1;Other:4.5,Value:-0.1;Growth:+0.7;Quality:+0.2;Size:+0.6;Momentum:+0.7;LowVol:+0.3,MaxPos7%,8,25,5.1,trailing 9%,218,22.5,Volatile,23.4,4.03,2.8,128,-53,23,74,true,Reduce,"Cut high-beta by 2-3%, add cash",7,-12,BrokerA,MKT,87,Drift>tolerance,Reduce,Allocation drift beyond policy bands,50,-55,66,2,false,Within IPS guidelines
P7241,Opportunistic,IRA,USD,2025-08-28,830810,60176,770634,1.0,73.6,18.2,0.0,8.2,AMZN:24.1%;GLD:14.1%;HYG:13.6%;QQQ:24.1%;AAPL:24.1%,US:67.5;EU:14.2;APAC:11.9;EM:4.7;Other:1.6,Value:+0.4;Growth:+0.6;Quality:-0.9;Size:-0.9;Momentum:-0.2;LowVol:-0.3,,6,25,4.7,trailing 9%,249,24.5,Volatile,29.7,4.28,2.5,153,-2,45,73,true,Reduce,"Cut high-beta by 2-3%, add cash",2,-15,BrokerC,MKT,99,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,104,-52,163,3,false,Within IPS guidelines
P7242,Active,Trust,USD,2024-07-11,519773,46962,472811,1.0,61.8,23.0,9.2,6.1,VNQ:14.7%;QQQ:11.6%;IEF:14.2%;BND:20.2%;XLF:19.7%;AAPL:19.6%,US:67.1;EU:15.1;APAC:9.9;EM:7.0;Other:0.9,Value:-0.2;Growth:+0.9;Quality:+0.5;Size:+0.5;Momentum:-0.6;LowVol:-0.3,,7,25,5.7,trailing 8%,193,22.8,Bull,14.0,4.97,3.2,101,87,98,46,false,Sell,Trim extended winner -1%,12,13,BrokerC,MKT,100,None,None,Normal monitoring,-5,-23,65,4,false,Tax-aware sells next window
P7243,Systematic,IRA,USD,2025-10-23,1542775,82587,1460188,1.0,63.0,28.2,0.0,8.9,MSFT:25.0%;MUB:28.1%;HYG:28.1%;VNQ:18.8%,US:72.4;EU:8.6;APAC:7.1;EM:10.0;Other:1.9,Value:-0.2;Growth:+0.4;Quality:-0.5;Size:+0.1;Momentum:+0.3;LowVol:+0.4,,5,35,5.3,trailing 8%,217,27.1,Sideways,15.0,3.58,2.8,105,-18,55,41,false,Buy,Add to core equity +1%,-4,-26,BrokerD,MKT,100,None,None,Normal monitoring,-48,11,47,5,false,Tighten stops on momentum names
P7244,Systematic,401k,USD,2025-08-28,743281,42098,701183,1.0,55.6,33.2,5.6,5.5,VOO:15.5%;VNQ:11.7%;TSLA:21.3%;MUB:20.5%;MSFT:9.8%;IEF:21.3%,US:62.5;EU:14.6;APAC:9.3;EM:10.1;Other:3.6,Value:+0.2;Growth:-0.2;Quality:+0.2;Size:+0.9;Momentum:-0.9;LowVol:+0.3,MaxPos8%,5,30,5.1,hard 12%,208,21.7,Sideways,19.6,3.76,2.1,114,41,80,42,false,Hedge,Add TLT +1% as duration hedge,8,-14,BrokerD,MKT,87,None,None,Normal monitoring,120,-60,211,5,false,Increase defensive factor exposure
P7245,Cautious,401k,USD,2024-10-26,453965,40283,413682,1.0,37.2,40.2,6.1,16.5,MSFT:27.5%;AAPL:27.5%;IEF:17.6%;QQQ:27.5%,US:68.3;EU:9.9;APAC:12.1;EM:7.6;Other:2.0,Value:+0.3;Growth:-0.6;Quality:-0.5;Size:+0.9;Momentum:+0.2;LowVol:-0.8,ESGOnly;NoDerivatives;NoMargin,5,35,4.0,trailing 8%,162,19.7,Bull,13.5,4.09,2.5,93,89,82,36,false,Rebalance,Shift +1% to bonds from equity,4,-6,BrokerB,MKT,90,None,None,Normal monitoring,-33,18,49,3,false,Tighten stops on momentum names
P7246,Hands-off,Roth,USD,2025-08-16,852228,38416,813812,1.0,69.5,16.8,4.9,8.9,MSFT:21.7%;IEF:21.7%;VOO:21.7%;HYG:13.0%;BND:21.7%,US:74.4;EU:8.7;APAC:6.8;EM:8.7;Other:1.5,Value:-0.2;Growth:+0.7;Quality:+0.4;Size:+0.5;Momentum:-0.3;LowVol:-0.7,ESGOnly;MaxPos6%,6,25,3.5,hard 10%,149,14.5,Volatile,29.2,3.96,3.8,171,41,84,79,true,Hedge,Buy index puts 1% notional,-6,-28,BrokerB,MKT,100,VAR>budget,Pause,Risk above budget threshold,67,-33,55,2,false,Monitor dispersion and breadth
P7247,Active,Trust,USD,2025-07-28,2432376,201191,2231185,1.11,57.7,22.1,14.7,5.5,VOO:27.2%;HYG:20.5%;TSLA:25.0%;MUB:27.2%,US:72.1;EU:10.5;APAC:7.2;EM:7.5;Other:2.7,Value:+0.3;Growth:+0.5;Quality:-0.4;Size:-0.1;Momentum:-1.0;LowVol:+0.4,MaxPos8%,7,35,5.4,trailing 9%,202,21.3,Bear,24.5,4.02,1.6,164,-25,28,68,false,Buy,Add to core equity +1%,3,12,BrokerA,MKT,100,None,None,Normal monitoring,44,-49,72,4,false,Tighten stops on momentum names
P7248,Systematic,401k,USD,2024-11-04,1795182,148023,1647159,1.0,62.0,31.7,0.0,6.3,XLF:33.3%;MSFT:33.3%;AAPL:33.3%,US:63.3;EU:13.4;APAC:12.2;EM:5.9;Other:5.2,Value:+0.2;Growth:+0.3;Quality:-0.8;Size:-0.4;Momentum:+0.9;LowVol:-1.0,,8,25,5.9,hard 12%,133,24.7,Volatile,27.6,5.41,4.1,146,79,96,70,false,Rebalance,Shift +1% to bonds from equity,14,-10,BrokerD,LMT,88,None,None,Normal monitoring,87,-33,70,4,false,Increase defensive factor exposure
P7249,Hands-off,Taxable,USD,2024-07-20,307461,25838,281623,1.0,63.8,18.0,8.2,10.0,QQQ:26.3%;XLF:26.3%;VOO:21.1%;GLD:26.3%,US:57.7;EU:15.7;APAC:10.8;EM:11.0;Other:4.9,Value:+0.4;Growth:+0.6;Quality:+0.6;Size:-1.0;Momentum:+0.8;LowVol:+0.5,MaxPos5%;NoDerivatives,6,30,3.7,trailing 8%,154,16.5,Sideways,18.3,4.45,2.3,128,24,77,55,false,Sell,Trim extended winner -1%,19,-21,BrokerA,VWAP,99,None,None,Normal monitoring,-24,17,101,5,false,Tighten stops on momentum names
P7250,Opportunistic,Taxable,USD,2024-08-31,1633321,52092,1581229,1.09,74.1,17.8,3.9,4.2,TSLA:9.0%;VTI:22.4%;VNQ:14.2%;QQQ:22.4%;TLT:20.2%;IEF:11.9%,US:71.4;EU:6.5;APAC:13.7;EM:4.5;Other:3.8,Value:-0.5;Growth:+0.7;Quality:+0.9;Size:+0.6;Momentum:+0.9;LowVol:+0.7,MaxPos8%,6,25,6.4,hard 12%,205,35.0,Sideways,16.3,4.0,3.1,116,-9,37,55,false,Rebalance,Shift +1% to bonds from equity,6,-35,BrokerB,VWAP,98,None,None,Normal monitoring,-3,2,77,4,false,Within IPS guidelines
P7251,Hands-off,IRA,USD,2025-10-19,859988,65976,794012,1.0,70.2,15.9,7.9,6.0,VOO:17.0%;AAPL:16.2%;MSFT:20.0%;IEF:17.3%;MUB:17.1%;TSLA:12.4%,US:65.5;EU:11.4;APAC:9.9;EM:9.6;Other:3.6,Value:-0.8;Growth:-0.9;Quality:-0.4;Size:+0.7;Momentum:-1.0;LowVol:+0.1,,5,25,4.6,hard 10%,116,17.5,Sideways,19.2,3.55,3.3,113,-15,34,70,false,NoAction,Within bands; monitor,19,-12,BrokerA,LMT,92,None,None,Normal monitoring,-12,-2,125,5,false,Tax-aware sells next window
P7252,Hands-off,401k,USD,2025-01-29,250732,10830,239902,1.0,66.1,25.4,0.0,8.4,VNQ:23.8%;XLF:23.8%;MUB:23.8%;VOO:10.5%;AMZN:18.1%,US:61.1;EU:15.4;APAC:8.2;EM:10.4;Other:4.8,Value:0.0;Growth:-0.1;Quality:-0.7;Size:+0.1;Momentum:-0.6;LowVol:-0.7,,6,30,5.9,trailing 8%,155,17.1,Bear,31.9,3.69,1.6,161,-51,34,73,true,Hedge,Buy index puts 1% notional,-6,-33,BrokerB,MKT,99,Drift>tolerance,Hedge,Allocation drift beyond policy bands,84,13,197,4,false,Increase defensive factor exposure
P7253,Cautious,401k,USD,2025-12-19,770974,65881,705093,1.0,45.6,40.3,0.0,14.1,QQQ:25.0%;BRK.B:25.0%;BND:25.0%;AAPL:25.0%,US:57.6;EU:18.8;APAC:11.4;EM:8.1;Other:4.1,Value:-0.9;Growth:+0.2;Quality:-0.2;Size:-0.4;Momentum:+0.3;LowVol:+0.5,MaxPos6%;NoMargin,8,35,4.8,trailing 10%,106,15.0,Sideways,17.3,4.17,3.1,105,53,62,38,false,Rebalance,Shift +1% to bonds from equity,2,-11,BrokerC,MKT,90,None,None,Normal monitoring,-8,-21,59,3,false,Within IPS guidelines
P7254,Systematic,Taxable,USD,2024-08-31,1158284,91986,1066298,1.0,61.5,25.9,7.4,5.3,TSLA:18.9%;XLF:11.2%;VTI:22.8%;MSFT:23.6%;BRK.B:23.6%,US:67.6;EU:12.0;APAC:10.5;EM:9.7;Other:0.1,Value:+0.2;Growth:+0.3;Quality:-0.2;Size:+0.7;Momentum:+0.8;LowVol:-0.1,,10,35,4.8,trailing 9%,220,26.1,Volatile,25.8,5.48,3.8,164,3,64,78,true,Rebalance,Rebalance back to target bands,-8,-40,BrokerB,LMT,100,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-38,2,40,5,false,Tax-aware sells next window
P7255,Active,Roth,USD,2025-04-26,585108,67442,517666,1.0,64.4,24.4,3.5,7.7,MUB:27.3%;VOO:27.3%;HYG:27.3%;AAPL:18.0%,US:74.3;EU:6.4;APAC:6.0;EM:9.5;Other:3.8,Value:-0.3;Growth:+0.1;Quality:+1.0;Size:-0.1;Momentum:+0.9;LowVol:-0.4,NoDerivatives,6,25,4.1,trailing 8%,203,25.6,Bear,22.3,3.25,1.2,155,7,62,56,true,Reduce,"Cut high-beta by 2-3%, add cash",5,11,BrokerB,LMT,92,VAR>budget,Hedge,Risk above budget threshold,105,-52,206,3,false,Tax-aware sells next window
P7256,Opportunistic,Taxable,USD,2024-08-02,985989,49695,936294,1.0,75.0,10.3,6.9,7.8,AAPL:33.5%;GLD:33.0%;XLF:33.5%,US:68.4;EU:7.0;APAC:11.7;EM:10.2;Other:2.7,Value:-0.6;Growth:+0.9;Quality:-0.7;Size:-0.7;Momentum:-0.1;LowVol:-0.7,NoDerivatives,8,30,4.1,trailing 7%,215,29.6,Sideways,16.8,3.69,3.3,115,2,47,52,false,Buy,Add to core equity +1%,21,-36,BrokerD,MKT,91,None,None,Normal monitoring,31,-2,123,5,false,Increase defensive factor exposure
P7257,Systematic,Roth,USD,2025-09-18,998028,54247,943781,1.0,60.1,29.5,2.5,8.0,QQQ:9.8%;AMZN:24.0%;TSLA:24.0%;IEF:13.4%;AAPL:18.8%;TLT:10.1%,US:65.5;EU:17.3;APAC:5.0;EM:9.2;Other:2.9,Value:+0.1;Growth:+0.5;Quality:-1.0;Size:+0.5;Momentum:-0.7;LowVol:+0.8,NoDerivatives,6,35,4.5,trailing 9%,214,16.5,Volatile,25.2,3.78,4.1,151,-2,62,76,true,Hedge,Buy index puts 1% notional,31,13,BrokerD,LMT,96,RegimeShift,Hedge,Volatility spike and breadth deterioration,-32,-26,66,4,false,Tighten stops on momentum names
P7258,Opportunistic,Taxable,USD,2025-02-01,303743,9751,293992,1.24,63.9,10.1,21.4,4.6,TSLA:17.5%;AMZN:19.4%;XLF:23.1%;QQQ:23.1%;MUB:16.9%,US:60.2;EU:19.9;APAC:7.8;EM:7.6;Other:4.5,Value:+0.1;Growth:+0.9;Quality:+0.2;Size:+0.4;Momentum:-0.4;LowVol:-0.0,MaxPos7%;NoDerivatives,5,25,5.4,trailing 9%,195,23.7,Volatile,31.1,5.24,3.2,168,-31,27,90,true,Hedge,Buy index puts 1% notional,28,11,BrokerC,VWAP,86,VAR>budget,Hedge,Risk above budget threshold,-57,-32,-36,2,false,Tax-aware sells next window
P7259,Active,Roth,USD,2025-02-24,2264454,170805,2093649,1.0,54.2,24.4,12.8,8.6,TSLA:20.3%;XLF:20.7%;GLD:17.7%;IEF:10.7%;BND:16.3%;HYG:14.4%,US:73.0;EU:8.3;APAC:10.7;EM:7.5;Other:0.6,Value:+0.3;Growth:-0.7;Quality:+0.3;Size:-0.8;Momentum:-0.5;LowVol:+0.8,MaxPos6%;NoDerivatives,8,35,4.5,hard 12%,124,19.4,Sideways,14.3,4.94,3.1,113,24,72,43,false,Rebalance,Shift +1% to bonds from equity,17,-7,BrokerD,MKT,90,None,None,Normal monitoring,-30,-12,-14,3,false,Within IPS guidelines
P7260,Active,Trust,USD,2025-07-12,1167331,92713,1074618,1.0,64.4,21.6,5.0,9.0,TLT:16.5%;TSLA:25.1%;VOO:14.6%;XLF:18.7%;IEF:25.1%,US:62.7;EU:18.1;APAC:8.1;EM:10.3;Other:0.8,Value:+0.6;Growth:-0.9;Quality:+0.1;Size:+0.8;Momentum:+0.8;LowVol:-0.4,,10,30,5.3,trailing 8%,223,25.1,Sideways,21.4,4.5,3.0,122,8,55,58,false,Rebalance,Shift +1% to bonds from equity,25,-40,BrokerB,MKT,91,None,None,Normal monitoring,-43,-17,58,5,false,Increase defensive factor exposure
P7261,Hands-off,Trust,USD,2024-10-24,838265,34358,803907,1.0,65.9,19.7,7.3,7.1,IEF:12.0%;VTI:22.2%;BND:22.2%;MSFT:21.2%;QQQ:22.2%,US:63.4;EU:7.9;APAC:11.7;EM:11.9;Other:5.1,Value:+0.8;Growth:+0.4;Quality:+0.4;Size:-0.3;Momentum:+0.2;LowVol:+0.5,ESGOnly;MaxPos6%,5,35,4.3,trailing 10%,142,14.1,Bear,32.4,3.06,1.0,205,-117,5,89,true,Reduce,"Cut high-beta by 2-3%, add cash",21,-12,BrokerA,LMT,95,Drift>tolerance,Hedge,Allocation drift beyond policy bands,47,-35,154,3,false,Increase defensive factor exposure
P7262,Hands-off,Taxable,USD,2024-09-28,685072,33754,651318,1.0,58.3,26.8,7.4,7.5,AAPL:19.0%;TSLA:11.7%;HYG:19.8%;QQQ:19.5%;BRK.B:18.0%;GLD:11.9%,US:70.3;EU:14.2;APAC:8.4;EM:5.7;Other:1.4,Value:-0.1;Growth:-0.1;Quality:+0.8;Size:+0.9;Momentum:-0.6;LowVol:+0.2,MaxPos8%;NoDerivatives,5,35,4.5,trailing 8%,127,14.4,Volatile,20.1,4.56,3.0,164,9,61,53,false,Sell,Trim extended winner -1%,13,-37,BrokerB,MKT,98,None,None,Normal monitoring,58,-18,34,3,false,Tax-aware sells next window
P7263,Systematic,401k,USD,2024-08-02,1386273,138076,1248197,1.0,60.9,25.9,4.8,8.4,QQQ:21.5%;MUB:29.2%;GLD:29.2%;AMZN:20.0%,US:68.3;EU:7.2;APAC:17.9;EM:5.5;Other:1.2,Value:+0.1;Growth:+0.3;Quality:+0.6;Size:+0.6;Momentum:+0.5;LowVol:-0.1,MaxPos7%,8,25,5.2,trailing 9%,179,18.2,Sideways,18.1,3.98,2.3,98,49,74,55,false,Rebalance,Shift +1% to bonds from equity,27,-2,BrokerA,MKT,90,None,None,Normal monitoring,96,-30,205,5,false,Monitor dispersion and breadth
P7264,Systematic,Taxable,USD,2024-10-31,971160,55516,915644,1.0,60.0,31.5,0.0,8.5,VTI:25.0%;VOO:25.0%;IEF:25.0%;AAPL:25.0%,US:52.4;EU:18.8;APAC:13.1;EM:11.0;Other:4.7,Value:+0.3;Growth:+0.5;Quality:+0.8;Size:+0.4;Momentum:-0.4;LowVol:-0.4,,5,25,4.5,hard 12%,150,21.0,Volatile,21.0,4.1,2.2,162,51,89,58,false,Sell,Trim extended winner -1%,-14,-11,BrokerA,LMT,99,None,None,Normal monitoring,107,-53,181,5,false,Within IPS guidelines
P7265,Hands-off,Roth,USD,2025-01-06,471969,22549,449420,1.0,58.8,20.1,14.3,6.8,BND:27.2%;BRK.B:18.4%;TSLA:27.2%;MUB:27.2%,US:68.3;EU:9.4;APAC:13.2;EM:8.8;Other:0.3,Value:-0.8;Growth:-0.4;Quality:0.0;Size:+0.9;Momentum:+0.2;LowVol:+0.5,NoDerivatives,6,30,4.1,trailing 8%,110,17.6,Volatile,24.0,3.53,4.4,135,39,65,57,false,Rebalance,Shift +1% to bonds from equity,6,4,BrokerD,LMT,89,None,None,Normal monitoring,-47,-58,93,5,false,Tighten stops on momentum names
P7266,Systematic,IRA,USD,2024-07-19,1028742,59963,968779,1.0,64.3,27.2,0.1,8.5,VTI:33.3%;XLF:33.3%;VOO:33.3%,US:55.3;EU:20.0;APAC:9.2;EM:10.6;Other:4.9,Value:-0.5;Growth:-0.4;Quality:+1.0;Size:+0.8;Momentum:+1.0;LowVol:-0.3,MaxPos5%;NoDerivatives,10,25,5.9,trailing 9%,143,24.4,Bull,13.8,3.53,2.9,120,42,77,42,true,Hedge,Buy index puts 1% notional,-10,10,BrokerC,MKT,89,Drift>tolerance,Hedge,Allocation drift beyond policy bands,83,-37,192,4,false,Increase defensive factor exposure
P7267,Hands-off,Trust,USD,2025-03-09,790675,35488,755187,1.0,70.8,23.1,0.0,6.1,VTI:25.6%;QQQ:25.6%;BRK.B:25.6%;AMZN:23.2%,US:73.7;EU:13.8;APAC:5.5;EM:6.3;Other:0.8,Value:+0.5;Growth:-0.4;Quality:-0.6;Size:-0.5;Momentum:-0.0;LowVol:-0.2,,5,35,5.1,trailing 8%,125,19.7,Volatile,24.7,4.32,2.4,163,46,63,75,true,Hedge,Buy index puts 1% notional,-8,-3,BrokerA,MKT,95,Drift>tolerance,Reduce,Allocation drift beyond policy bands,117,-3,243,2,true,Monitor dispersion and breadth
P7268,Systematic,Roth,USD,2025-10-19,1678230,108503,1569727,1.0,57.8,29.1,7.5,5.5,XLF:26.0%;HYG:21.9%;BRK.B:26.0%;QQQ:26.0%,US:65.9;EU:18.5;APAC:9.3;EM:5.8;Other:0.4,Value:+0.7;Growth:-0.0;Quality:-0.8;Size:-0.0;Momentum:-0.9;LowVol:+0.8,,10,25,5.4,hard 12%,152,26.7,Volatile,26.8,4.36,2.2,129,-7,37,71,true,Reduce,"Cut high-beta by 2-3%, add cash",17,-35,BrokerA,LMT,100,VAR>budget,Hedge,Risk above budget threshold,-14,9,104,4,false,Increase defensive factor exposure
P7269,Hands-off,Trust,USD,2025-10-31,747235,70921,676314,1.0,69.3,19.5,2.0,9.1,VNQ:18.0%;QQQ:27.3%;TSLA:27.3%;GLD:27.3%,US:66.7;EU:8.9;APAC:13.3;EM:9.0;Other:2.0,Value:-0.7;Growth:-0.3;Quality:+0.4;Size:+0.4;Momentum:-0.9;LowVol:-0.8,ESGOnly,10,30,4.0,hard 10%,162,13.6,Volatile,24.6,5.48,2.7,178,37,53,79,true,Reduce,"Cut high-beta by 2-3%, add cash",5,-3,BrokerD,LMT,93,RegimeShift,Reduce,Volatility spike and breadth deterioration,-24,-14,77,5,false,Tax-aware sells next window
P7270,Hands-off,Roth,USD,2025-07-17,574543,54655,519888,1.0,66.8,26.6,0.0,6.7,BND:25.0%;AMZN:25.0%;GLD:25.0%;VOO:25.0%,US:73.0;EU:7.5;APAC:6.5;EM:10.7;Other:2.2,Value:-0.6;Growth:+0.7;Quality:+0.1;Size:-0.0;Momentum:-0.5;LowVol:-0.1,ESGOnly;NoDerivatives,6,25,3.7,trailing 8%,154,14.3,Bull,12.9,3.93,3.3,87,41,65,53,false,Rebalance,Shift +1% to bonds from equity,8,-14,BrokerB,MKT,87,None,None,Normal monitoring,-12,-31,114,5,false,Monitor dispersion and breadth
P7271,Systematic,Trust,USD,2025-05-01,1309301,124378,1184923,1.0,62.6,29.5,1.6,6.3,IEF:9.8%;BND:18.6%;VTI:22.9%;HYG:8.5%;QQQ:22.9%;BRK.B:17.3%,US:65.4;EU:17.5;APAC:6.3;EM:7.2;Other:3.6,Value:+0.2;Growth:+0.8;Quality:0.0;Size:+0.5;Momentum:+1.0;LowVol:-0.3,MaxPos5%,7,25,5.3,trailing 8%,222,22.7,Bull,16.1,4.95,2.3,75,46,64,40,false,Rebalance,Shift +1% to bonds from equity,34,-18,BrokerA,LMT,99,None,None,Normal monitoring,29,18,124,5,false,Monitor dispersion and breadth
P7272,Hands-off,401k,USD,2025-01-02,704064,65995,638069,1.0,62.6,19.9,7.6,9.9,VOO:19.3%;XLF:14.3%;TSLA:20.2%;IEF:20.2%;BND:19.8%;VNQ:6.2%,US:69.6;EU:14.4;APAC:6.6;EM:3.8;Other:5.5,Value:+0.3;Growth:+0.5;Quality:-0.8;Size:+0.2;Momentum:-0.3;LowVol:+0.8,MaxPos5%;NoDerivatives,7,30,3.5,trailing 8%,168,16.4,Bull,11.1,4.07,3.0,87,16,45,37,false,Rebalance,Shift +1% to bonds from equity,29,-17,BrokerA,VWAP,99,None,None,Normal monitoring,63,12,78,3,false,Tighten stops on momentum names
P7273,Hands-off,Roth,USD,2025-06-09,171702,10552,161150,1.0,67.3,25.0,0.0,7.7,VOO:9.7%;XLF:16.7%;AAPL:20.9%;VNQ:20.7%;AMZN:18.4%;IEF:13.5%,US:73.2;EU:6.1;APAC:8.4;EM:8.6;Other:3.7,Value:+0.6;Growth:+0.9;Quality:0.0;Size:-0.0;Momentum:+0.1;LowVol:+0.6,MaxPos6%,8,35,5.4,trailing 8%,141,16.6,Bear,31.1,3.18,2.1,176,-86,14,84,true,Hedge,Buy index puts 1% notional,-6,-8,BrokerD,MKT,99,Drift>tolerance,Hedge,Allocation drift beyond policy bands,97,15,129,3,false,Tighten stops on momentum names
P7274,Cautious,Trust,USD,2025-04-07,667515,103230,564285,1.0,46.2,31.4,10.0,12.4,AAPL:26.0%;GLD:26.0%;VOO:26.0%;MUB:22.1%,US:71.7;EU:9.5;APAC:11.6;EM:5.5;Other:1.7,Value:-0.5;Growth:-0.7;Quality:-0.8;Size:+0.5;Momentum:-0.4;LowVol:+0.8,ESGOnly;NoDerivatives;NoMargin,8,25,3.3,trailing 10%,104,12.4,Bull,14.7,4.83,2.9,118,16,57,28,false,Buy,Add to core equity +1%,26,7,BrokerC,LMT,86,None,None,Normal monitoring,0,-47,97,5,false,Increase defensive factor exposure
P7275,Active,Taxable,USD,2025-01-07,1791947,144329,1647618,1.0,62.3,21.7,9.6,6.4,XLF:23.3%;AAPL:27.0%;VNQ:22.8%;IEF:27.0%,US:64.1;EU:13.3;APAC:8.3;EM:12.3;Other:2.1,Value:+0.2;Growth:-0.1;Quality:-0.7;Size:+0.2;Momentum:-0.2;LowVol:-0.4,MaxPos7%,10,30,4.4,hard 12%,121,20.2,Volatile,31.4,5.23,4.4,180,-24,52,73,true,Hedge,Buy index puts 1% notional,22,9,BrokerD,MKT,86,Drift>tolerance,Reduce,Allocation drift beyond policy bands,87,-32,113,5,false,Tax-aware sells next window
P7276,Opportunistic,Trust,USD,2024-11-10,1619545,143562,1475983,1.24,60.9,13.1,19.7,6.3,AMZN:28.1%;MSFT:15.8%;GLD:28.1%;AAPL:28.1%,US:67.7;EU:17.6;APAC:5.8;EM:6.7;Other:2.3,Value:+0.9;Growth:+0.6;Quality:+0.7;Size:+0.9;Momentum:+0.6;LowVol:+0.8,NoDerivatives,5,30,4.8,trailing 9%,201,23.7,Bull,13.3,4.32,2.4,107,89,82,45,false,NoAction,Within bands; monitor,3,-23,BrokerC,VWAP,98,None,None,Normal monitoring,62,-11,186,5,false,Increase defensive factor exposure
P7277,Systematic,Trust,USD,2025-03-26,1175731,92968,1082763,1.0,61.9,21.4,10.7,6.0,BRK.B:7.4%;VNQ:21.5%;TLT:21.5%;AMZN:21.5%;HYG:14.8%;QQQ:13.2%,US:65.0;EU:14.6;APAC:12.2;EM:8.1;Other:0.2,Value:-0.8;Growth:+0.5;Quality:+0.3;Size:-0.9;Momentum:+0.5;LowVol:-0.7,MaxPos8%,6,30,4.8,hard 12%,132,17.2,Bear,25.9,3.96,1.7,157,-90,11,63,false,Rebalance,Shift +1% to bonds from equity,16,10,BrokerB,LMT,90,None,None,Normal monitoring,27,-7,121,4,false,Tax-aware sells next window
P7278,Hands-off,Taxable,USD,2025-06-06,495116,36522,458594,1.0,57.0,26.7,10.3,5.9,BND:25.0%;MUB:25.0%;HYG:25.0%;IEF:25.0%,US:61.0;EU:15.1;APAC:11.7;EM:10.8;Other:1.3,Value:+0.3;Growth:0.0;Quality:-0.1;Size:-0.3;Momentum:+0.8;LowVol:+0.9,NoDerivatives,6,30,5.2,hard 10%,106,15.7,Bull,16.8,4.16,2.4,81,99,92,53,false,Buy,Add to core equity +1%,21,0,BrokerB,MKT,95,None,None,Normal monitoring,40,-13,17,5,false,Within IPS guidelines
P7279,Opportunistic,Taxable,USD,2025-08-04,776124,65325,710799,1.0,74.1,13.4,5.7,6.7,MUB:18.8%;VNQ:18.2%;AMZN:22.2%;TLT:10.8%;IEF:7.8%;BRK.B:22.2%,US:67.6;EU:10.8;APAC:11.8;EM:9.4;Other:0.4,Value:+0.6;Growth:-0.4;Quality:-0.7;Size:-0.8;Momentum:-0.6;LowVol:+0.8,MaxPos5%,8,35,4.8,hard 12%,220,22.1,Bear,22.3,3.21,1.9,158,-96,10,75,true,Reduce,"Cut high-beta by 2-3%, add cash",18,8,BrokerA,MKT,100,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-36,16,18,5,false,Tax-aware sells next window
P7280,Active,IRA,USD,2025-08-07,1804507,119185,1685322,1.19,56.4,23.2,12.0,8.5,XLF:33.3%;AAPL:33.3%;MUB:33.3%,US:72.1;EU:10.8;APAC:6.0;EM:7.8;Other:3.4,Value:-0.6;Growth:-0.4;Quality:+0.7;Size:-0.6;Momentum:+0.1;LowVol:-1.0,MaxPos7%,5,25,5.7,trailing 9%,148,26.9,Bull,13.0,3.56,3.2,103,66,95,45,false,NoAction,Within bands; monitor,25,-18,BrokerA,MKT,0,None,None,Normal monitoring,0,19,-30,3,false,Monitor dispersion and breadth
P7281,Opportunistic,Roth,USD,2025-12-25,1707358,51389,1655969,1.18,61.3,18.9,14.2,5.6,BND:25.4%;AAPL:23.9%;BRK.B:25.4%;VNQ:25.4%,US:63.6;EU:16.0;APAC:11.9;EM:7.3;Other:1.2,Value:-0.8;Growth:-1.0;Quality:+1.0;Size:+0.1;Momentum:+0.4;LowVol:-0.8,,8,35,5.8,trailing 9%,167,33.7,Bear,27.2,3.47,2.8,189,2,50,65,false,Rebalance,Shift +1% to bonds from equity,20,-27,BrokerA,LMT,99,None,None,Normal monitoring,-30,-28,-2,3,false,Tighten stops on momentum names
P7282,Hands-off,Trust,USD,2025-04-05,490165,34379,455786,1.0,66.0,26.1,1.0,6.9,VTI:12.5%;TSLA:18.6%;TLT:16.3%;BND:19.6%;GLD:20.6%;XLF:12.5%,US:65.0;EU:11.4;APAC:14.6;EM:6.1;Other:2.9,Value:-0.9;Growth:+0.4;Quality:-0.8;Size:-0.2;Momentum:-0.2;LowVol:-0.3,ESGOnly;NoDerivatives,6,25,5.5,trailing 10%,168,12.0,Bull,17.0,4.67,2.7,113,20,56,61,false,Buy,Add to core equity +1%,-10,-15,BrokerB,LMT,85,None,None,Normal monitoring,25,-54,165,4,false,Tax-aware sells next window
P7283,Active,Trust,USD,2025-07-26,741169,75644,665525,1.0,58.3,31.0,1.6,9.2,TLT:28.2%;GLD:28.2%;VNQ:20.9%;TSLA:22.7%,US:59.6;EU:13.6;APAC:11.4;EM:12.4;Other:3.1,Value:-0.6;Growth:-0.1;Quality:-0.4;Size:+0.5;Momentum:-0.2;LowVol:+0.2,,7,25,5.6,trailing 8%,209,23.2,Volatile,23.7,4.93,3.3,135,-18,55,71,true,Rebalance,Rebalance back to target bands,11,-40,BrokerC,LMT,88,RegimeShift,Hedge,Volatility spike and breadth deterioration,99,-49,69,5,true,Tax-aware sells next window
P7284,Opportunistic,Trust,USD,2025-05-06,479029,40321,438708,1.0,69.5,11.0,13.8,5.7,MSFT:19.4%;MUB:26.9%;XLF:26.9%;VNQ:26.9%,US:70.1;EU:6.3;APAC:10.8;EM:11.7;Other:1.2,Value:+0.6;Growth:0.0;Quality:+0.4;Size:-0.6;Momentum:-0.3;LowVol:+0.3,MaxPos5%,10,25,6.3,trailing 9%,177,23.1,Volatile,32.0,5.4,2.3,118,-36,18,86,true,Reduce,"Cut high-beta by 2-3%, add cash",33,8,BrokerD,LMT,96,VAR>budget,Reduce,Risk above budget threshold,36,7,48,2,false,Tighten stops on momentum names
P7285,Active,401k,USD,2024-11-07,771019,69045,701974,1.24,62.3,28.9,0.0,8.8,AMZN:23.6%;MUB:7.8%;BRK.B:23.6%;AAPL:21.3%;TLT:23.6%,US:70.1;EU:14.8;APAC:7.8;EM:3.6;Other:3.7,Value:-0.9;Growth:+0.3;Quality:-0.6;Size:+0.8;Momentum:+0.7;LowVol:0.0,NoDerivatives,7,35,5.4,trailing 9%,165,21.4,Volatile,23.9,5.48,3.7,170,-18,51,65,false,Buy,Add to core equity +1%,-4,-21,BrokerC,MKT,95,None,None,Normal monitoring,100,-6,81,5,false,Monitor dispersion and breadth
P7286,Systematic,401k,USD,2025-05-31,1842015,123692,1718323,1.0,60.7,28.5,5.6,5.1,GLD:16.8%;VTI:29.7%;VNQ:29.7%;HYG:23.7%,US:77.0;EU:7.9;APAC:6.9;EM:7.1;Other:1.1,Value:-0.5;Growth:-0.7;Quality:0.0;Size:-0.9;Momentum:-0.3;LowVol:+0.6,,5,35,5.0,trailing 8%,218,18.3,Volatile,23.1,4.58,4.4,133,2,45,62,false,NoAction,Within bands; monitor,19,6,BrokerB,LMT,94,None,None,Normal monitoring,40,-8,153,3,false,Increase defensive factor exposure
P7287,Active,IRA,USD,2025-10-12,1387473,103441,1284032,1.0,67.5,22.9,3.6,6.0,VTI:28.1%;HYG:18.6%;TSLA:25.3%;XLF:28.1%,US:66.9;EU:9.5;APAC:8.1;EM:10.8;Other:4.6,Value:+0.2;Growth:+0.5;Quality:+0.7;Size:-0.9;Momentum:+0.8;LowVol:-0.4,NoDerivatives,7,30,5.7,trailing 8%,127,20.1,Volatile,26.1,4.24,3.4,141,71,73,68,false,Rebalance,Shift +1% to bonds from equity,29,12,BrokerB,MKT,94,None,None,Normal monitoring,71,-45,148,3,false,Tax-aware sells next window
P7288,Hands-off,Taxable,USD,2024-12-29,400317,36274,364043,1.0,65.5,29.2,0.0,5.4,TSLA:7.1%;VNQ:8.0%;AMZN:21.2%;TLT:21.2%;VTI:21.2%;BND:21.2%,US:70.4;EU:10.5;APAC:9.1;EM:5.2;Other:4.8,Value:-0.9;Growth:-0.3;Quality:-0.3;Size:+0.9;Momentum:+0.5;LowVol:-0.6,ESGOnly;MaxPos8%,6,25,3.7,trailing 8%,157,18.5,Sideways,20.9,4.36,3.0,130,10,46,61,false,Rebalance,Shift +1% to bonds from equity,23,8,BrokerC,LMT,96,None,None,Normal monitoring,-58,-33,21,4,false,Increase defensive factor exposure
P7289,Hands-off,Trust,USD,2024-11-16,332210,24250,307960,1.0,71.6,23.1,0.0,5.3,VOO:11.7%;AAPL:22.1%;BND:22.1%;TLT:22.1%;HYG:22.1%,US:58.5;EU:19.8;APAC:8.4;EM:9.7;Other:3.6,Value:-0.4;Growth:+0.8;Quality:-0.3;Size:-0.7;Momentum:+0.9;LowVol:+0.1,NoDerivatives,7,30,5.9,trailing 8%,157,19.5,Volatile,22.9,5.0,2.9,140,19,47,70,false,Hedge,Add TLT +1% as duration hedge,6,-26,BrokerD,VWAP,95,None,None,Normal monitoring,44,-6,100,3,false,Monitor dispersion and breadth
P7290,Cautious,Trust,USD,2024-11-24,287874,43192,244682,1.0,44.8,38.2,0.6,16.4,AMZN:22.7%;BND:25.8%;VTI:25.8%;TSLA:25.8%,US:54.6;EU:19.1;APAC:14.8;EM:7.8;Other:3.7,Value:-0.2;Growth:-0.4;Quality:-0.3;Size:-0.2;Momentum:+0.5;LowVol:+0.7,MaxPos5%;NoDerivatives;NoMargin,8,30,5.7,trailing 8%,163,19.6,Volatile,22.4,4.5,3.2,136,-59,33,58,false,NoAction,Within bands; monitor,-2,1,BrokerD,MKT,0,None,None,Normal monitoring,120,-23,131,4,false,Tighten stops on momentum names
P7291,Active,IRA,USD,2024-10-26,2414983,262082,2152901,1.0,60.2,22.9,8.4,8.5,GLD:33.3%;TSLA:33.3%;AMZN:33.3%,US:70.3;EU:11.8;APAC:8.2;EM:6.2;Other:3.5,Value:+0.8;Growth:+0.8;Quality:-0.3;Size:+0.2;Momentum:+0.5;LowVol:-0.3,NoDerivatives,5,30,5.7,trailing 9%,169,25.0,Volatile,21.2,3.75,4.4,157,12,63,55,false,Hedge,Add TLT +1% as duration hedge,34,-10,BrokerC,LMT,100,None,None,Normal monitoring,11,12,98,3,false,Tax-aware sells next window
P7292,Systematic,Taxable,USD,2025-02-07,1917803,170117,1747686,1.0,62.7,30.4,0.0,6.9,BND:33.7%;MSFT:32.5%;QQQ:33.7%,US:72.3;EU:5.7;APAC:6.6;EM:10.6;Other:4.8,Value:+0.4;Growth:+0.3;Quality:+0.9;Size:+0.5;Momentum:-0.4;LowVol:+0.4,,8,35,4.8,hard 12%,123,25.0,Bear,34.0,3.23,2.3,205,-114,5,78,true,Hedge,Buy index puts 1% notional,-10,14,BrokerC,LMT,97,RegimeShift,Hedge,Volatility spike and breadth deterioration,70,-3,139,3,false,Tighten stops on momentum names
P7293,Hands-off,401k,USD,2024-11-27,286187,22591,263596,1.0,57.7,17.8,19.0,5.5,VOO:33.3%;XLF:33.3%;QQQ:33.3%,US:68.6;EU:19.3;APAC:6.5;EM:4.1;Other:1.5,Value:-0.3;Growth:+0.4;Quality:+0.5;Size:-0.8;Momentum:+0.4;LowVol:-0.6,,6,30,4.0,trailing 10%,165,17.4,Bull,16.7,4.7,2.1,70,88,100,52,false,Sell,Trim extended winner -1%,-12,-28,BrokerC,VWAP,96,None,None,Normal monitoring,62,-28,125,5,false,Tighten stops on momentum names
P7294,Opportunistic,IRA,USD,2024-07-20,1761220,63271,1697949,1.0,67.8,13.7,13.6,4.9,GLD:21.7%;TSLA:21.7%;MSFT:18.1%;QQQ:21.2%;VOO:17.3%,US:61.9;EU:16.1;APAC:14.1;EM:3.9;Other:4.1,Value:+0.6;Growth:-0.3;Quality:-0.4;Size:-0.9;Momentum:-0.3;LowVol:-0.2,MaxPos5%;NoDerivatives,5,35,6.5,trailing 9%,223,32.5,Sideways,20.1,4.58,3.0,92,-18,27,52,false,Sell,Trim extended winner -1%,12,13,BrokerA,MKT,99,None,None,Normal monitoring,39,7,1,5,false,Increase defensive factor exposure
P7295,Hands-off,Roth,USD,2025-12-11,694148,64796,629352,1.0,64.0,27.2,0.0,8.8,TLT:19.8%;IEF:21.9%;QQQ:8.9%;GLD:12.2%;VTI:21.9%;BRK.B:15.5%,US:66.3;EU:12.9;APAC:9.8;EM:7.2;Other:3.9,Value:+0.2;Growth:-0.6;Quality:+0.7;Size:+0.2;Momentum:-0.7;LowVol:+0.9,,10,35,4.5,hard 10%,149,15.6,Volatile,29.9,5.02,3.4,140,-20,47,82,true,Reduce,"Cut high-beta by 2-3%, add cash",-12,-19,BrokerA,VWAP,94,RegimeShift,TightenStops,Volatility spike and breadth deterioration,-9,-5,-33,3,false,Increase defensive factor exposure
P7296,Hands-off,Taxable,USD,2024-07-12,417177,41061,376116,1.0,62.1,22.0,9.2,6.7,MSFT:25.6%;AMZN:23.5%;MUB:25.3%;VNQ:25.6%,US:66.6;EU:7.4;APAC:13.7;EM:9.4;Other:2.8,Value:+0.8;Growth:+0.5;Quality:+0.1;Size:-0.5;Momentum:+0.6;LowVol:-1.0,ESGOnly,7,30,5.6,trailing 8%,102,17.0,Volatile,20.8,4.77,2.3,119,80,76,50,false,Rebalance,Shift +1% to bonds from equity,-3,-40,BrokerD,LMT,88,None,None,Normal monitoring,68,-5,142,3,false,Tighten stops on momentum names
P7297,Active,IRA,USD,2025-05-21,1095664,95925,999739,1.0,57.8,19.2,13.6,9.4,VOO:12.9%;BND:24.4%;QQQ:14.9%;IEF:24.4%;MSFT:23.4%,US:74.4;EU:7.5;APAC:6.1;EM:7.5;Other:4.5,Value:+0.5;Growth:-0.3;Quality:-0.3;Size:-0.6;Momentum:-0.0;LowVol:+0.9,MaxPos5%;NoDerivatives,10,35,5.2,hard 12%,224,16.3,Sideways,14.1,4.63,3.4,140,17,67,49,false,Rebalance,Shift +1% to bonds from equity,6,-31,BrokerC,VWAP,94,None,None,Normal monitoring,93,-13,54,3,false,Increase defensive factor exposure
P7298,Hands-off,Roth,USD,2024-08-10,503946,36789,467157,1.0,60.5,16.6,13.5,9.4,XLF:18.6%;TSLA:21.0%;MUB:21.0%;VTI:12.1%;AMZN:20.9%;BND:6.3%,US:69.3;EU:13.1;APAC:5.4;EM:11.1;Other:1.2,Value:-0.6;Growth:-0.5;Quality:-0.8;Size:+0.9;Momentum:-0.5;LowVol:+0.8,ESGOnly;MaxPos7%,5,35,5.4,hard 10%,106,14.9,Sideways,18.4,4.97,2.7,91,31,77,49,false,Rebalance,Shift +1% to bonds from equity,-2,-21,BrokerB,LMT,96,None,None,Normal monitoring,-10,-33,62,3,false,Monitor dispersion and breadth
P7299,Opportunistic,401k,USD,2025-06-19,700218,42570,657648,1.0,70.8,19.6,2.0,7.5,TLT:33.3%;AAPL:33.3%;IEF:33.3%,US:73.1;EU:5.6;APAC:14.4;EM:3.5;Other:3.3,Value:-0.1;Growth:-0.6;Quality:+0.5;Size:-0.4;Momentum:+0.3;LowVol:+0.8,MaxPos5%,7,25,4.1,hard 12%,193,24.9,Bull,13.4,3.59,2.6,85,111,99,58,false,Rebalance,Shift +1% to bonds from equity,-10,14,BrokerC,VWAP,92,None,None,Normal monitoring,33,-10,31,3,false,Monitor dispersion and breadth
P7300,Cautious,Trust,USD,2025-02-18,233355,20091,213264,1.0,47.0,35.2,4.2,13.6,VOO:18.3%;AMZN:18.4%;MSFT:10.8%;AAPL:17.2%;XLF:18.2%;GLD:17.1%,US:57.0;EU:20.3;APAC:12.1;EM:10.3;Other:0.3,Value:-0.1;Growth:+0.3;Quality:+0.1;Size:-0.3;Momentum:-0.1;LowVol:-0.9,MaxPos8%;NoMargin,6,35,5.7,trailing 10%,165,20.0,Bull,12.0,3.91,2.6,105,118,100,30,false,Buy,Add to core equity +1%,24,-23,BrokerD,VWAP,97,None,None,Normal monitoring,92,-11,182,3,false,Within IPS guidelines
P7301,Hands-off,Roth,USD,2024-11-25,564199,55721,508478,1.0,68.1,19.9,5.0,7.0,TSLA:22.2%;XLF:20.8%;BND:28.5%;VOO:28.5%,US:72.1;EU:7.0;APAC:11.3;EM:5.5;Other:4.1,Value:+0.8;Growth:+0.9;Quality:-0.3;Size:-0.6;Momentum:-0.1;LowVol:-0.2,ESGOnly,7,30,3.4,hard 10%,163,17.9,Bull,11.8,3.94,2.7,110,73,98,46,true,Hedge,Buy index puts 1% notional,26,-31,BrokerD,MKT,85,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-25,-1,-40,5,false,Monitor dispersion and breadth
P7302,Hands-off,IRA,USD,2025-02-02,429565,41414,388151,1.0,61.4,16.8,14.0,7.8,VNQ:18.4%;GLD:13.8%;BRK.B:20.1%;IEF:7.2%;TSLA:19.9%;BND:20.6%,US:63.1;EU:17.6;APAC:12.1;EM:3.8;Other:3.4,Value:+0.7;Growth:+0.7;Quality:+0.2;Size:+0.2;Momentum:+0.2;LowVol:+0.9,ESGOnly,6,35,4.3,trailing 8%,115,14.0,Bull,14.5,4.23,3.4,95,20,59,44,false,Rebalance,Shift +1% to bonds from equity,31,12,BrokerD,MKT,90,None,None,Normal monitoring,120,-33,194,4,false,Tax-aware sells next window
P7303,Opportunistic,IRA,USD,2025-04-30,575137,49803,525334,1.0,70.2,13.3,10.7,5.7,VNQ:6.2%;QQQ:21.4%;XLF:21.4%;MSFT:9.9%;BRK.B:21.4%;MUB:19.8%,US:76.9;EU:5.7;APAC:8.7;EM:5.4;Other:3.2,Value:+0.4;Growth:-1.0;Quality:-0.8;Size:+0.6;Momentum:+0.3;LowVol:-0.1,NoDerivatives,7,35,4.4,trailing 9%,244,30.3,Bear,25.8,3.16,1.7,131,27,58,83,true,Hedge,Buy index puts 1% notional,33,3,BrokerD,VWAP,89,Drift>tolerance,Reduce,Allocation drift beyond policy bands,78,-1,65,4,false,Tax-aware sells next window
P7304,Systematic,Trust,USD,2024-11-28,785749,45609,740140,1.0,60.1,33.1,0.4,6.4,VNQ:18.5%;IEF:20.5%;BND:23.4%;VOO:14.2%;TSLA:23.4%,US:63.3;EU:17.3;APAC:9.8;EM:7.3;Other:2.3,Value:-0.7;Growth:+0.1;Quality:-0.8;Size:-0.9;Momentum:+0.4;LowVol:0.0,MaxPos6%,5,35,4.6,hard 12%,186,20.3,Bear,28.8,3.54,2.4,136,-48,33,70,false,Rebalance,Shift +1% to bonds from equity,19,-1,BrokerD,MKT,86,None,None,Normal monitoring,7,-14,131,5,false,Tighten stops on momentum names
P7305,Systematic,Taxable,USD,2025-07-12,932318,45358,886960,1.0,57.4,34.0,3.3,5.3,GLD:6.0%;AMZN:21.5%;XLF:19.5%;TLT:10.0%;BRK.B:21.5%;MUB:21.5%,US:64.0;EU:15.7;APAC:11.2;EM:6.7;Other:2.5,Value:-0.5;Growth:+0.5;Quality:-0.1;Size:-0.9;Momentum:-1.0;LowVol:-0.5,NoDerivatives,6,25,5.4,trailing 9%,207,23.9,Bull,16.0,3.8,3.3,103,63,88,40,false,Sell,Trim extended winner -1%,27,-15,BrokerB,LMT,87,None,None,Normal monitoring,16,-36,123,3,false,Within IPS guidelines
P7306,Hands-off,Trust,USD,2025-09-16,623843,33297,590546,1.0,60.1,27.7,2.4,9.8,AAPL:20.0%;BRK.B:16.8%;AMZN:15.7%;TSLA:14.7%;VOO:20.2%;VNQ:12.7%,US:69.1;EU:10.5;APAC:12.7;EM:4.6;Other:3.1,Value:-0.2;Growth:-0.7;Quality:-1.0;Size:-0.8;Momentum:-0.6;LowVol:-0.1,NoDerivatives,6,35,5.6,trailing 8%,159,14.1,Sideways,15.9,3.61,3.1,123,-18,47,41,false,Sell,Trim extended winner -1%,28,12,BrokerB,LMT,85,None,None,Normal monitoring,47,-19,39,5,false,Tighten stops on momentum names
P7307,Cautious,Roth,USD,2025-08-27,402159,35345,366814,1.0,49.1,37.4,0.0,13.5,VTI:33.3%;AAPL:33.3%;XLF:33.3%,US:62.1;EU:18.0;APAC:11.9;EM:4.1;Other:3.8,Value:-0.6;Growth:-0.6;Quality:+0.9;Size:-0.1;Momentum:-0.5;LowVol:-0.3,MaxPos8%;NoMargin,10,25,3.4,trailing 8%,143,12.2,Sideways,18.8,4.77,3.0,96,-24,29,56,false,Rebalance,Shift +1% to bonds from equity,7,-7,BrokerC,LMT,99,None,None,Normal monitoring,27,5,56,5,false,Tax-aware sells next window
P7308,Active,Trust,USD,2025-03-01,1780995,202867,1578128,1.0,55.2,30.4,5.3,9.0,GLD:35.1%;BRK.B:35.1%;MSFT:29.8%,US:74.1;EU:6.7;APAC:8.9;EM:5.7;Other:4.5,Value:+0.4;Growth:-0.6;Quality:-0.2;Size:+0.9;Momentum:-0.2;LowVol:-0.4,MaxPos8%;NoDerivatives,5,35,4.4,hard 12%,167,22.1,Bull,13.6,4.52,2.5,91,98,100,32,false,Hedge,Add TLT +1% as duration hedge,5,-20,BrokerC,MKT,99,None,None,Normal monitoring,90,-18,148,4,false,Tax-aware sells next window
P7309,Hands-off,401k,USD,2024-08-13,342319,22652,319667,1.0,64.7,24.1,4.2,7.1,VNQ:26.5%;VTI:26.5%;MUB:20.6%;BND:26.5%,US:64.9;EU:10.1;APAC:13.1;EM:7.5;Other:4.4,Value:-0.7;Growth:-0.2;Quality:+0.5;Size:+0.9;Momentum:-0.9;LowVol:+0.1,ESGOnly;MaxPos5%,10,30,5.8,trailing 8%,119,16.6,Sideways,20.7,4.66,2.5,127,9,58,51,false,Rebalance,Shift +1% to bonds from equity,-1,-27,BrokerD,MKT,86,None,None,Normal monitoring,54,-59,186,3,false,Within IPS guidelines
P7310,Systematic,IRA,USD,2025-06-22,1540497,75345,1465152,1.0,59.4,33.2,0.0,7.4,BND:28.0%;AMZN:28.0%;VTI:28.0%;IEF:15.9%,US:77.4;EU:6.3;APAC:8.0;EM:5.1;Other:3.1,Value:+0.9;Growth:-0.2;Quality:-0.8;Size:-0.9;Momentum:-0.2;LowVol:+0.5,,10,25,4.6,trailing 9%,228,16.3,Bear,25.2,3.06,1.2,173,-116,5,68,false,Rebalance,Shift +1% to bonds from equity,-3,-3,BrokerB,MKT,92,None,None,Normal monitoring,-50,-36,-10,5,false,Tax-aware sells next window
P7311,Cautious,IRA,USD,2025-05-04,607476,52192,555284,1.0,41.0,40.9,3.6,14.5,HYG:33.3%;BND:33.3%;QQQ:33.3%,US:69.2;EU:15.4;APAC:8.8;EM:6.3;Other:0.4,Value:-0.8;Growth:+0.6;Quality:+0.2;Size:+0.2;Momentum:+0.5;LowVol:-0.3,ESGOnly;MaxPos8%;NoMargin,6,30,6.0,hard 10%,116,16.8,Bull,15.6,3.82,3.2,117,99,100,31,false,Sell,Trim extended winner -1%,7,-28,BrokerD,LMT,94,None,None,Normal monitoring,75,10,70,5,false,Tighten stops on momentum names
P7312,Hands-off,IRA,USD,2025-09-12,353261,33372,319889,1.0,70.9,20.6,0.0,8.5,MSFT:22.8%;TSLA:22.8%;VNQ:10.9%;BND:22.8%;XLF:20.7%,US:70.2;EU:15.3;APAC:10.1;EM:3.9;Other:0.5,Value:+0.8;Growth:-0.9;Quality:+0.1;Size:-0.3;Momentum:-0.8;LowVol:-0.3,ESGOnly,6,35,4.4,trailing 10%,165,15.4,Bear,27.1,3.5,1.4,138,25,54,66,true,Reduce,"Cut high-beta by 2-3%, add cash",-8,5,BrokerC,LMT,85,Drift>tolerance,Hedge,Allocation drift beyond policy bands,16,-32,66,5,false,Increase defensive factor exposure
P7313,Cautious,Trust,USD,2024-07-30,667560,94506,573054,1.0,45.1,42.2,0.0,12.7,MUB:18.7%;AMZN:30.8%;MSFT:30.8%;BRK.B:19.7%,US:70.8;EU:13.1;APAC:7.5;EM:4.1;Other:4.5,Value:+0.2;Growth:-0.8;Quality:-0.9;Size:+0.9;Momentum:+0.5;LowVol:-1.0,ESGOnly;MaxPos6%;NoMargin,5,25,5.1,trailing 8%,122,17.6,Volatile,29.1,3.77,4.3,141,42,74,60,false,Sell,Trim extended winner -1%,-4,-19,BrokerB,VWAP,85,None,None,Normal monitoring,74,-14,40,3,false,Tax-aware sells next window
P7314,Systematic,Taxable,USD,2025-03-22,560201,38366,521835,1.0,60.6,25.8,4.2,9.4,VNQ:33.3%;BRK.B:33.3%;IEF:33.3%,US:71.1;EU:19.0;APAC:5.7;EM:3.4;Other:0.9,Value:+0.2;Growth:+0.8;Quality:+0.7;Size:+0.4;Momentum:-0.1;LowVol:-0.4,NoDerivatives,5,25,5.1,hard 12%,226,25.9,Sideways,21.6,4.66,3.5,140,9,53,68,false,Sell,Trim extended winner -1%,10,-4,BrokerA,VWAP,92,None,None,Normal monitoring,26,-30,13,5,false,Within IPS guidelines
P7315,Systematic,Roth,USD,2025-01-09,1833279,150103,1683176,1.0,58.3,28.6,6.3,6.7,XLF:19.5%;TSLA:9.1%;IEF:23.8%;MSFT:23.8%;AAPL:23.8%,US:62.3;EU:14.5;APAC:13.8;EM:8.0;Other:1.3,Value:0.0;Growth:+0.1;Quality:+0.3;Size:-0.6;Momentum:-0.1;LowVol:-0.9,,7,30,4.9,trailing 9%,146,19.9,Bull,15.8,4.02,2.0,72,22,68,46,false,Rebalance,Shift +1% to bonds from equity,20,-7,BrokerA,VWAP,94,None,None,Normal monitoring,73,-49,185,3,false,Increase defensive factor exposure
P7316,Hands-off,Taxable,USD,2024-08-26,476179,27614,448565,1.0,68.9,17.0,8.0,6.0,MSFT:17.7%;QQQ:10.8%;BND:23.9%;GLD:23.9%;IEF:23.9%,US:57.1;EU:20.3;APAC:15.0;EM:4.5;Other:3.1,Value:+0.6;Growth:+0.4;Quality:-1.0;Size:-0.6;Momentum:-0.5;LowVol:+0.6,ESGOnly,6,35,4.0,hard 10%,128,19.7,Sideways,19.4,4.92,2.1,120,-12,55,51,false,Buy,Add to core equity +1%,35,-32,BrokerC,MKT,88,None,None,Normal monitoring,6,-46,28,5,false,Tax-aware sells next window
P7317,Cautious,Roth,USD,2024-09-09,469080,69242,399838,1.0,51.0,33.6,2.8,12.6,VTI:22.5%;VOO:12.3%;TSLA:22.5%;AAPL:12.6%;HYG:12.3%;BND:17.8%,US:62.8;EU:14.4;APAC:12.7;EM:7.3;Other:2.9,Value:+1.0;Growth:-0.8;Quality:-0.4;Size:-0.6;Momentum:+0.1;LowVol:-0.2,NoDerivatives;NoMargin,10,25,5.5,hard 10%,161,16.5,Volatile,21.1,4.25,3.1,124,58,80,54,false,Rebalance,Shift +1% to bonds from equity,-9,-16,BrokerB,MKT,99,None,None,Normal monitoring,64,-10,108,3,false,Increase defensive factor exposure
P7318,Active,IRA,USD,2024-09-21,532020,45410,486610,1.0,55.1,27.8,9.8,7.3,VNQ:33.3%;MUB:33.3%;HYG:33.3%,US:63.6;EU:16.0;APAC:10.9;EM:6.9;Other:2.6,Value:+0.2;Growth:-0.0;Quality:-0.3;Size:+0.3;Momentum:-0.4;LowVol:+0.1,,6,25,4.2,trailing 9%,205,21.3,Bear,23.0,4.22,2.9,168,-71,19,59,false,Rebalance,Shift +1% to bonds from equity,5,14,BrokerB,LMT,91,None,None,Normal monitoring,100,-11,112,5,false,Within IPS guidelines
P7319,Opportunistic,Trust,USD,2025-09-14,449595,29692,419903,1.0,66.0,10.0,16.2,7.8,GLD:34.9%;TSLA:30.1%;TLT:34.9%,US:64.9;EU:9.9;APAC:11.7;EM:9.5;Other:4.0,Value:-0.3;Growth:+0.8;Quality:+0.3;Size:-0.9;Momentum:-0.3;LowVol:-0.3,MaxPos7%,10,30,6.9,trailing 9%,240,35.0,Bear,28.4,4.14,1.1,160,-52,28,80,true,Hedge,Buy index puts 1% notional,-3,-13,BrokerD,MKT,98,VAR>budget,Reduce,Risk above budget threshold,13,-36,102,4,true,Tax-aware sells next window
P7320,Hands-off,Trust,USD,2025-01-08,844516,82549,761967,1.0,62.2,29.2,0.0,8.6,TSLA:25.5%;BND:12.7%;HYG:25.5%;AAPL:18.2%;XLF:18.1%,US:75.0;EU:5.8;APAC:7.9;EM:8.6;Other:2.7,Value:+0.2;Growth:-0.3;Quality:-0.1;Size:-0.5;Momentum:-0.8;LowVol:+0.8,ESGOnly;NoDerivatives,6,25,4.6,hard 10%,153,17.4,Bear,30.2,3.68,2.5,152,-86,22,69,false,NoAction,Within bands; monitor,6,6,BrokerD,VWAP,85,None,None,Normal monitoring,34,4,34,5,false,Tighten stops on momentum names
P7321,Hands-off,Trust,USD,2024-07-12,474986,36694,438292,1.0,65.2,27.3,0.2,7.3,VTI:16.7%;BRK.B:22.1%;MSFT:19.5%;AMZN:22.1%;TSLA:19.7%,US:60.6;EU:8.1;APAC:17.0;EM:10.5;Other:3.8,Value:+0.5;Growth:+0.5;Quality:+0.2;Size:+0.1;Momentum:-0.4;LowVol:+0.7,MaxPos5%;NoDerivatives,5,25,5.8,hard 10%,147,18.0,Sideways,17.4,4.01,2.4,106,16,52,45,false,Rebalance,Shift +1% to bonds from equity,15,-35,BrokerA,LMT,100,None,None,Normal monitoring,99,-51,118,4,false,Tax-aware sells next window
P7322,Active,401k,USD,2025-05-04,1246857,110345,1136512,1.0,64.2,21.5,5.5,8.7,TSLA:33.3%;BRK.B:33.3%;MUB:33.3%,US:69.0;EU:17.7;APAC:5.8;EM:7.0;Other:0.4,Value:+0.1;Growth:+0.2;Quality:-0.2;Size:-0.2;Momentum:-0.1;LowVol:+0.5,MaxPos7%,8,30,4.3,trailing 8%,159,21.6,Sideways,18.3,4.91,2.4,93,-28,23,65,true,Reduce,"Cut high-beta by 2-3%, add cash",1,-8,BrokerA,LMT,95,VAR>budget,Reduce,Risk above budget threshold,76,-47,175,5,false,Increase defensive factor exposure
P7323,Active,Roth,USD,2025-06-01,933448,68105,865343,1.0,60.8,25.1,5.4,8.7,BND:33.3%;XLF:33.3%;AAPL:33.3%,US:71.3;EU:7.2;APAC:13.1;EM:4.4;Other:4.0,Value:-0.5;Growth:+0.5;Quality:-0.7;Size:+0.6;Momentum:-0.8;LowVol:+0.8,MaxPos8%;NoDerivatives,5,30,4.7,trailing 9%,213,18.8,Sideways,19.3,4.75,2.9,114,19,67,65,false,NoAction,Within bands; monitor,10,-24,BrokerB,VWAP,94,None,None,Normal monitoring,0,11,87,3,false,Tighten stops on momentum names
P7324,Opportunistic,Trust,USD,2025-06-08,1581308,110164,1471144,1.23,68.1,21.7,2.9,7.3,IEF:17.8%;GLD:19.0%;MSFT:19.5%;QQQ:11.8%;TSLA:18.6%;BRK.B:13.3%,US:75.5;EU:6.5;APAC:11.0;EM:5.9;Other:1.2,Value:-0.6;Growth:-0.2;Quality:-0.1;Size:-0.5;Momentum:-0.4;LowVol:+0.4,NoDerivatives,5,30,4.2,trailing 7%,216,28.6,Bull,11.9,4.9,2.7,101,74,72,50,false,Rebalance,Shift +1% to bonds from equity,16,-5,BrokerD,LMT,100,None,None,Normal monitoring,50,-47,10,4,false,Tax-aware sells next window
P7325,Opportunistic,Trust,USD,2025-07-25,1059902,45511,1014391,1.23,73.1,18.4,0.0,8.5,AMZN:20.1%;XLF:18.9%;VTI:19.0%;HYG:11.8%;MSFT:12.2%;TSLA:17.9%,US:69.1;EU:8.1;APAC:14.7;EM:5.6;Other:2.6,Value:-0.6;Growth:-0.1;Quality:-0.5;Size:-0.6;Momentum:-0.4;LowVol:-0.2,,8,30,4.0,hard 12%,175,25.1,Sideways,17.7,3.86,2.1,116,5,49,53,false,Buy,Add to core equity +1%,12,-39,BrokerB,MKT,91,None,None,Normal monitoring,-1,-23,-32,4,false,Increase defensive factor exposure
P7326,Hands-off,Roth,USD,2024-08-26,648619,33174,615445,1.0,58.8,27.9,3.4,9.9,AMZN:25.0%;TLT:25.0%;GLD:25.0%;HYG:25.0%,US:71.1;EU:5.9;APAC:11.6;EM:8.2;Other:3.3,Value:+0.3;Growth:-0.8;Quality:+0.3;Size:+0.4;Momentum:-0.9;LowVol:+0.4,ESGOnly;MaxPos6%,7,30,3.8,trailing 10%,111,12.3,Sideways,16.0,4.88,3.5,115,-1,36,41,true,Hedge,Buy index puts 1% notional,6,-16,BrokerD,LMT,91,VAR>budget,Reduce,Risk above budget threshold,-56,-8,-50,4,false,Tax-aware sells next window
P7327,Opportunistic,Roth,USD,2025-09-17,828260,27633,800627,1.0,60.6,12.1,22.8,4.4,GLD:21.6%;AMZN:12.1%;VTI:20.6%;HYG:17.1%;XLF:16.8%;BND:11.8%,US:64.7;EU:18.7;APAC:9.0;EM:3.8;Other:3.9,Value:-0.9;Growth:-0.5;Quality:-0.4;Size:+0.7;Momentum:-0.9;LowVol:-0.8,MaxPos6%;NoDerivatives,6,30,5.5,hard 12%,215,26.7,Bear,24.9,4.18,2.1,144,13,49,58,false,Buy,Add to core equity +1%,17,0,BrokerA,LMT,91,None,None,Normal monitoring,62,-59,183,3,false,Tax-aware sells next window
P7328,Hands-off,Trust,USD,2025-02-04,237307,11472,225835,1.0,73.4,15.7,5.1,5.8,MSFT:23.0%;AMZN:16.7%;BRK.B:21.3%;IEF:23.0%;VOO:16.0%,US:70.1;EU:17.9;APAC:6.2;EM:4.7;Other:1.1,Value:+0.8;Growth:-0.9;Quality:-0.5;Size:+0.3;Momentum:-0.6;LowVol:-0.7,NoDerivatives,5,35,4.9,trailing 8%,112,14.5,Volatile,25.9,4.03,2.9,180,15,46,77,true,Hedge,Buy index puts 1% notional,5,-28,BrokerC,MKT,98,Drift>tolerance,Reduce,Allocation drift beyond policy bands,39,-45,86,5,false,Tighten stops on momentum names
P7329,Systematic,Taxable,USD,2025-05-10,1842716,90860,1751856,1.0,61.9,30.5,0.0,7.6,VTI:14.8%;HYG:15.3%;AAPL:16.9%;GLD:20.0%;MSFT:13.5%;VNQ:19.4%,US:68.3;EU:16.6;APAC:6.8;EM:8.0;Other:0.3,Value:+0.3;Growth:+0.5;Quality:+0.2;Size:-0.7;Momentum:-0.4;LowVol:+0.3,,5,25,4.2,trailing 8%,196,24.1,Sideways,17.9,4.4,2.6,100,48,67,48,false,Hedge,Add TLT +1% as duration hedge,-14,-20,BrokerD,MKT,87,None,None,Normal monitoring,43,-25,105,5,false,Tax-aware sells next window
P7330,Hands-off,IRA,USD,2024-10-30,191571,7971,183600,1.0,63.6,21.2,6.2,8.9,TLT:21.2%;QQQ:18.3%;MUB:12.6%;BRK.B:17.7%;HYG:19.1%;VNQ:11.1%,US:60.6;EU:15.1;APAC:13.2;EM:9.7;Other:1.5,Value:+0.7;Growth:-0.4;Quality:-1.0;Size:+0.5;Momentum:+0.9;LowVol:-0.2,ESGOnly;MaxPos6%,7,30,4.3,trailing 8%,121,19.2,Bull,15.9,4.8,3.1,113,13,42,56,false,Hedge,Add TLT +1% as duration hedge,-6,-30,BrokerC,LMT,91,None,None,Normal monitoring,5,12,98,4,false,Monitor dispersion and breadth
P7331,Hands-off,401k,USD,2024-08-18,837278,69967,767311,1.0,70.2,18.5,1.4,9.9,VOO:26.8%;TSLA:26.8%;VTI:26.8%;HYG:19.6%,US:67.2;EU:17.6;APAC:6.8;EM:5.1;Other:3.3,Value:+1.0;Growth:-0.3;Quality:-0.1;Size:-0.3;Momentum:-0.8;LowVol:+0.6,MaxPos8%,7,25,4.8,trailing 8%,108,17.7,Bull,14.2,4.25,2.2,113,59,75,58,false,Sell,Trim extended winner -1%,-1,-9,BrokerC,MKT,100,None,None,Normal monitoring,71,-58,110,4,false,Tighten stops on momentum names
P7332,Opportunistic,Trust,USD,2024-10-31,701663,25062,676601,1.0,72.8,18.8,3.6,4.8,HYG:14.5%;AMZN:21.2%;MUB:21.2%;IEF:18.1%;BND:18.2%;TSLA:6.9%,US:64.7;EU:12.4;APAC:12.9;EM:7.2;Other:2.7,Value:+0.2;Growth:+0.5;Quality:+0.4;Size:+0.5;Momentum:+0.1;LowVol:+0.3,MaxPos7%,10,25,5.8,trailing 7%,177,28.2,Bull,17.5,4.7,2.8,81,72,81,48,false,Rebalance,Shift +1% to bonds from equity,33,9,BrokerD,MKT,99,None,None,Normal monitoring,108,-6,148,3,false,Tax-aware sells next window
P7333,Systematic,Trust,USD,2025-08-09,969507,93679,875828,1.0,66.8,27.5,0.1,5.6,AMZN:12.7%;VTI:13.6%;MSFT:19.8%;GLD:19.2%;MUB:17.8%;BRK.B:16.8%,US:70.1;EU:10.1;APAC:9.9;EM:5.1;Other:4.8,Value:+0.4;Growth:-0.7;Quality:-0.7;Size:+0.1;Momentum:-0.2;LowVol:+0.5,MaxPos6%,6,35,5.7,trailing 8%,204,16.3,Volatile,30.4,4.42,3.3,179,-4,39,90,true,Hedge,Buy index puts 1% notional,-6,-25,BrokerB,VWAP,100,VAR>budget,Hedge,Risk above budget threshold,-32,-3,51,3,true,Increase defensive factor exposure
P7334,Hands-off,Roth,USD,2025-10-08,242259,13755,228504,1.0,60.6,22.9,7.8,8.8,VTI:21.7%;AAPL:21.7%;TSLA:13.4%;QQQ:21.7%;MSFT:21.7%,US:70.4;EU:6.6;APAC:6.0;EM:12.1;Other:4.9,Value:+0.1;Growth:-0.1;Quality:+0.1;Size:-0.7;Momentum:+0.8;LowVol:-0.4,ESGOnly,6,25,4.4,hard 10%,137,18.1,Sideways,20.1,3.69,2.2,99,-21,43,66,false,Buy,Add to core equity +1%,15,-40,BrokerC,VWAP,86,None,None,Normal monitoring,107,16,227,5,false,Monitor dispersion and breadth
P7335,Opportunistic,Taxable,USD,2025-07-09,1001707,85075,916632,1.0,69.9,14.3,9.1,6.7,IEF:22.7%;BND:22.7%;TLT:22.7%;TSLA:14.5%;XLF:17.3%,US:75.4;EU:8.8;APAC:5.3;EM:7.0;Other:3.5,Value:-0.2;Growth:-0.9;Quality:+0.3;Size:+0.6;Momentum:+0.4;LowVol:+0.5,MaxPos7%;NoDerivatives,5,25,6.6,trailing 9%,255,22.7,Sideways,17.1,4.79,3.1,110,24,68,59,true,Hedge,Buy index puts 1% notional,8,5,BrokerB,MKT,86,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-33,-49,-6,2,false,Monitor dispersion and breadth
P7336,Cautious,401k,USD,2024-12-02,232127,26648,205479,1.0,48.4,40.4,0.0,11.1,AMZN:7.1%;BND:7.9%;MUB:21.8%;VOO:21.8%;XLF:19.6%;VNQ:21.8%,US:73.5;EU:9.0;APAC:7.9;EM:8.1;Other:1.6,Value:+0.6;Growth:-0.5;Quality:-1.0;Size:+0.3;Momentum:+0.6;LowVol:-0.2,ESGOnly;MaxPos5%;NoDerivatives;NoMargin,7,25,5.5,hard 10%,97,18.9,Bull,14.0,3.7,3.1,95,62,77,32,false,Sell,Trim extended winner -1%,32,-16,BrokerD,LMT,98,None,None,Normal monitoring,-4,-9,77,4,false,Tighten stops on momentum names
P7337,Hands-off,Taxable,USD,2025-10-01,586085,44707,541378,1.0,64.1,21.4,5.0,9.5,TLT:33.3%;HYG:33.3%;GLD:33.3%,US:69.3;EU:17.5;APAC:7.7;EM:5.1;Other:0.5,Value:+0.7;Growth:-0.6;Quality:+0.8;Size:-1.0;Momentum:-0.3;LowVol:+0.2,MaxPos8%;NoDerivatives,7,30,4.7,hard 10%,149,18.9,Sideways,20.9,3.56,2.7,135,59,70,56,false,Buy,Add to core equity +1%,33,-8,BrokerD,MKT,98,None,None,Normal monitoring,104,-42,188,3,false,Tighten stops on momentum names
P7338,Opportunistic,Trust,USD,2025-06-19,1034788,51984,982804,1.07,65.0,19.7,7.7,7.6,GLD:23.6%;MUB:23.6%;AAPL:23.6%;VNQ:10.3%;HYG:18.9%,US:71.5;EU:7.3;APAC:11.2;EM:5.5;Other:4.4,Value:+0.2;Growth:+0.9;Quality:+0.6;Size:+0.9;Momentum:+0.5;LowVol:+0.7,NoDerivatives,8,25,4.7,hard 12%,222,33.9,Bull,16.1,3.63,2.5,101,10,54,43,false,Sell,Trim extended winner -1%,-1,-24,BrokerA,VWAP,97,None,None,Normal monitoring,-35,-32,16,5,false,Tighten stops on momentum names
P7339,Cautious,Taxable,USD,2025-02-11,883858,75762,808096,1.0,41.8,30.7,14.3,13.1,QQQ:18.4%;MSFT:27.2%;VNQ:27.2%;XLF:27.2%,US:65.6;EU:7.7;APAC:12.7;EM:10.8;Other:3.3,Value:+0.6;Growth:-1.0;Quality:+0.5;Size:+1.0;Momentum:+0.2;LowVol:-0.4,ESGOnly;MaxPos5%;NoMargin,5,35,3.9,trailing 10%,127,12.8,Bear,27.6,3.26,2.7,208,-56,35,61,false,Sell,Trim extended winner -1%,7,-2,BrokerA,MKT,90,None,None,Normal monitoring,-23,-10,68,3,false,Within IPS guidelines
P7340,Opportunistic,Taxable,USD,2024-12-29,649415,55878,593537,1.0,68.7,12.3,11.3,7.8,TLT:24.1%;XLF:28.2%;VTI:19.6%;MSFT:28.2%,US:65.4;EU:12.3;APAC:12.0;EM:6.7;Other:3.7,Value:+0.1;Growth:-0.8;Quality:+0.7;Size:-0.7;Momentum:+0.4;LowVol:-0.2,MaxPos7%;NoDerivatives,7,35,4.5,trailing 9%,209,20.4,Bull,12.2,3.63,2.9,106,25,61,49,false,Sell,Trim extended winner -1%,13,0,BrokerA,LMT,90,None,None,Normal monitoring,-40,-10,-20,5,false,Monitor dispersion and breadth
P7341,Active,Taxable,USD,2025-02-18,1388382,102195,1286187,1.0,50.8,24.2,16.9,8.1,MSFT:33.3%;GLD:33.3%;AAPL:33.3%,US:63.7;EU:16.8;APAC:13.7;EM:4.8;Other:1.0,Value:+0.7;Growth:-0.6;Quality:-0.6;Size:-0.4;Momentum:-0.8;LowVol:+1.0,NoDerivatives,5,25,5.2,hard 12%,127,20.6,Volatile,21.8,5.07,2.4,112,-49,25,52,false,NoAction,Within bands; monitor,17,15,BrokerD,LMT,89,None,None,Normal monitoring,108,18,129,4,false,Within IPS guidelines
P7342,Active,401k,USD,2024-07-29,2075615,213229,1862386,1.0,60.3,25.2,6.8,7.7,HYG:33.3%;VTI:33.3%;VNQ:33.3%,US:76.7;EU:11.6;APAC:5.0;EM:4.5;Other:2.2,Value:+0.7;Growth:-0.4;Quality:+1.0;Size:-0.6;Momentum:+0.3;LowVol:+0.5,NoDerivatives,7,35,4.4,trailing 8%,191,17.5,Volatile,24.6,5.27,3.5,117,16,54,56,false,Sell,Trim extended winner -1%,11,-24,BrokerC,LMT,90,None,None,Normal monitoring,107,-29,191,4,false,Within IPS guidelines
P7343,Systematic,Roth,USD,2024-08-30,676567,28567,648000,1.0,67.0,27.7,0.0,5.3,QQQ:25.0%;MSFT:25.0%;AAPL:25.0%;AMZN:25.0%,US:67.0;EU:8.2;APAC:13.2;EM:8.8;Other:2.8,Value:-0.9;Growth:-0.8;Quality:0.0;Size:+0.2;Momentum:-0.4;LowVol:-0.4,MaxPos5%;NoDerivatives,8,30,5.1,trailing 8%,166,25.6,Volatile,22.0,4.64,2.6,127,21,67,74,true,Hedge,Buy index puts 1% notional,-12,-31,BrokerA,LMT,92,VAR>budget,Hedge,Risk above budget threshold,50,-28,167,3,true,Tax-aware sells next window
P7344,Hands-off,Roth,USD,2025-11-10,285586,16133,269453,1.0,60.0,18.4,14.9,6.7,TLT:33.3%;AAPL:33.3%;VNQ:33.3%,US:70.7;EU:7.0;APAC:11.2;EM:10.5;Other:0.5,Value:+0.9;Growth:-0.4;Quality:+1.0;Size:+0.7;Momentum:-0.1;LowVol:+0.8,MaxPos7%,5,35,4.9,trailing 8%,148,16.8,Bull,14.0,4.01,3.2,116,30,73,50,false,Buy,Add to core equity +1%,-5,5,BrokerB,MKT,97,None,None,Normal monitoring,62,-9,128,4,false,Increase defensive factor exposure
P7345,Active,401k,USD,2025-11-03,1572944,138226,1434718,1.0,63.2,21.1,7.3,8.4,HYG:33.3%;VNQ:33.3%;IEF:33.3%,US:71.8;EU:9.4;APAC:7.5;EM:6.1;Other:5.2,Value:+0.7;Growth:+0.4;Quality:-0.9;Size:-0.2;Momentum:-0.9;LowVol:+0.2,MaxPos8%;NoDerivatives,5,25,5.1,trailing 9%,154,23.6,Volatile,20.8,3.54,2.8,177,38,64,67,true,Rebalance,Rebalance back to target bands,9,-25,BrokerC,MKT,97,VAR>budget,Reduce,Risk above budget threshold,13,-43,65,4,false,Tax-aware sells next window
P7346,Systematic,Taxable,USD,2025-06-13,1888595,144771,1743824,1.0,67.3,21.7,5.1,5.9,IEF:22.8%;VTI:7.7%;MSFT:19.4%;TLT:14.5%;BND:22.8%;MUB:12.7%,US:74.1;EU:5.6;APAC:7.9;EM:11.0;Other:1.4,Value:0.0;Growth:+0.2;Quality:-0.4;Size:+0.7;Momentum:+0.2;LowVol:+0.6,NoDerivatives,8,25,4.9,trailing 8%,162,19.0,Bear,23.5,4.23,1.7,180,-78,11,73,true,Hedge,Buy index puts 1% notional,-11,13,BrokerC,MKT,85,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,8,-33,-2,2,false,Monitor dispersion and breadth
P7347,Opportunistic,401k,USD,2025-08-12,783269,26185,757084,1.22,66.3,12.2,16.8,4.6,GLD:27.4%;IEF:17.7%;HYG:27.4%;QQQ:27.4%,US:63.2;EU:17.0;APAC:10.5;EM:8.1;Other:1.2,Value:+0.9;Growth:-1.0;Quality:+0.9;Size:-0.6;Momentum:-0.7;LowVol:-0.2,NoDerivatives,5,35,5.2,trailing 9%,198,27.5,Bull,16.2,4.7,3.0,82,71,98,45,true,Reduce,"Cut high-beta by 2-3%, add cash",16,-17,BrokerC,LMT,90,RegimeShift,Pause,Volatility spike and breadth deterioration,100,-22,89,3,false,Within IPS guidelines
P7348,Systematic,Trust,USD,2025-09-04,771381,54081,717300,1.0,64.0,30.1,0.0,5.8,QQQ:24.4%;GLD:20.2%;XLF:15.1%;MSFT:15.9%;VOO:24.4%,US:73.4;EU:6.5;APAC:9.1;EM:7.6;Other:3.3,Value:-0.6;Growth:+0.5;Quality:+0.1;Size:-1.0;Momentum:-0.8;LowVol:-0.8,,6,30,6.0,trailing 8%,177,23.9,Sideways,21.7,3.77,2.8,112,13,65,65,false,Hedge,Add TLT +1% as duration hedge,23,-10,BrokerD,VWAP,98,None,None,Normal monitoring,84,13,153,3,false,Tighten stops on momentum names
P7349,Systematic,IRA,USD,2025-04-23,1021240,49764,971476,1.0,60.7,30.9,0.0,8.4,AAPL:16.9%;BRK.B:23.5%;VTI:23.5%;QQQ:17.9%;BND:18.1%,US:67.7;EU:18.1;APAC:8.7;EM:4.1;Other:1.4,Value:-0.2;Growth:+0.2;Quality:+0.1;Size:+0.1;Momentum:-0.6;LowVol:+0.9,,5,30,5.3,trailing 8%,159,27.1,Bull,15.0,3.72,2.0,70,34,63,46,true,Hedge,Buy index puts 1% notional,15,-9,BrokerA,LMT,88,VAR>budget,Hedge,Risk above budget threshold,52,-49,55,5,false,Tax-aware sells next window
P7350,Systematic,Roth,USD,2024-12-05,1956778,151104,1805674,1.0,61.6,23.4,7.6,7.4,GLD:11.5%;VOO:9.5%;VNQ:20.6%;AMZN:19.6%;BRK.B:18.2%;BND:20.6%,US:65.3;EU:6.4;APAC:12.6;EM:11.4;Other:4.3,Value:+0.5;Growth:+0.5;Quality:-0.3;Size:-0.7;Momentum:+0.2;LowVol:+0.7,,8,35,4.1,trailing 9%,157,21.5,Volatile,21.2,3.61,2.0,124,-31,43,66,false,Buy,Add to core equity +1%,18,5,BrokerC,MKT,94,None,None,Normal monitoring,75,-22,167,5,false,Increase defensive factor exposure
P7351,Cautious,Taxable,USD,2024-09-21,855633,99127,756506,1.0,46.5,43.3,0.1,10.1,MSFT:34.5%;IEF:34.5%;BND:30.9%,US:61.8;EU:13.1;APAC:17.2;EM:6.4;Other:1.5,Value:+0.1;Growth:+0.5;Quality:+0.6;Size:+0.3;Momentum:+0.6;LowVol:+0.2,ESGOnly;NoMargin,5,30,5.1,trailing 8%,107,19.4,Volatile,22.4,3.66,2.8,125,47,68,52,false,Rebalance,Shift +1% to bonds from equity,33,0,BrokerB,LMT,95,None,None,Normal monitoring,-1,1,48,4,false,Within IPS guidelines
P7352,Cautious,Trust,USD,2025-03-01,679627,98545,581082,1.0,47.1,38.4,0.0,14.6,TSLA:32.9%;QQQ:33.5%;IEF:33.5%,US:64.2;EU:17.9;APAC:8.0;EM:5.6;Other:4.3,Value:-0.5;Growth:-0.4;Quality:+0.7;Size:-0.6;Momentum:+0.1;LowVol:+0.8,NoMargin,6,35,4.0,trailing 8%,103,14.2,Sideways,18.2,4.99,2.9,131,-22,34,48,false,Rebalance,Shift +1% to bonds from equity,-8,10,BrokerC,LMT,92,None,None,Normal monitoring,-9,-30,-23,4,false,Tax-aware sells next window
P7353,Systematic,Roth,USD,2024-12-27,1477385,135426,1341959,1.0,56.6,26.9,10.6,5.9,VTI:28.7%;TLT:28.7%;BND:13.8%;MSFT:28.7%,US:58.6;EU:19.8;APAC:10.0;EM:7.5;Other:4.1,Value:-0.4;Growth:-0.7;Quality:+0.2;Size:+0.2;Momentum:-0.4;LowVol:-0.1,,10,25,5.7,trailing 8%,130,19.5,Bear,27.4,3.31,1.9,135,-45,38,68,false,NoAction,Within bands; monitor,-8,-13,BrokerD,LMT,92,None,None,Normal monitoring,-18,17,37,4,false,Tighten stops on momentum names
P7354,Hands-off,Roth,USD,2025-08-07,719093,42538,676555,1.0,74.4,17.7,1.1,6.9,BND:13.7%;MSFT:23.2%;IEF:19.0%;XLF:20.9%;QQQ:23.2%,US:70.2;EU:13.6;APAC:10.3;EM:4.5;Other:1.4,Value:+0.4;Growth:+0.3;Quality:-0.4;Size:-0.4;Momentum:+0.3;LowVol:-0.7,ESGOnly;MaxPos8%,10,35,4.1,trailing 8%,113,15.2,Bull,14.5,3.61,2.5,91,114,94,61,false,Buy,Add to core equity +1%,3,-7,BrokerC,LMT,91,None,None,Normal monitoring,65,-10,52,4,false,Monitor dispersion and breadth
P7355,Cautious,IRA,USD,2025-06-24,589080,70678,518402,1.0,43.7,32.2,13.4,10.7,IEF:26.2%;AAPL:26.2%;HYG:26.2%;GLD:21.3%,US:60.7;EU:15.8;APAC:14.5;EM:4.1;Other:5.0,Value:-0.9;Growth:-1.0;Quality:-0.4;Size:-1.0;Momentum:-0.3;LowVol:-0.4,ESGOnly;MaxPos6%;NoMargin,10,30,5.6,trailing 8%,137,15.6,Bear,25.2,3.19,3.0,140,-37,37,59,false,Sell,Trim extended winner -1%,-2,10,BrokerD,LMT,91,None,None,Normal monitoring,63,-47,87,3,false,Increase defensive factor exposure
P7356,Active,Roth,USD,2025-08-12,1398776,138662,1260114,1.0,53.9,24.0,14.9,7.2,TLT:33.3%;TSLA:33.3%;VOO:33.3%,US:70.7;EU:14.0;APAC:7.8;EM:3.6;Other:4.0,Value:+0.6;Growth:-0.7;Quality:+0.3;Size:-0.2;Momentum:-0.5;LowVol:-0.9,MaxPos5%,10,35,5.7,trailing 8%,144,18.7,Volatile,20.9,3.92,2.4,129,-29,25,47,false,NoAction,Within bands; monitor,11,-9,BrokerD,LMT,90,None,None,Normal monitoring,109,2,97,4,false,Increase defensive factor exposure
P7357,Hands-off,Trust,USD,2025-03-24,620409,52941,567468,1.0,59.4,22.3,12.2,6.1,TSLA:25.9%;VOO:25.9%;XLF:22.4%;IEF:25.9%,US:69.1;EU:11.5;APAC:6.0;EM:7.7;Other:5.8,Value:+0.6;Growth:+0.3;Quality:-0.5;Size:0.0;Momentum:+0.1;LowVol:+0.1,MaxPos7%,8,30,5.7,hard 10%,165,13.4,Sideways,20.5,3.57,2.4,118,-10,35,64,false,Buy,Add to core equity +1%,-6,-24,BrokerB,MKT,91,None,None,Normal monitoring,37,6,61,4,false,Tighten stops on momentum names
P7358,Opportunistic,Roth,USD,2024-11-20,1454658,82423,1372235,1.0,65.1,11.8,17.9,5.2,IEF:18.7%;TLT:8.7%;VTI:21.1%;XLF:16.4%;TSLA:14.1%;MUB:21.1%,US:68.3;EU:13.2;APAC:12.0;EM:5.7;Other:0.8,Value:-0.8;Growth:+0.6;Quality:-1.0;Size:+0.9;Momentum:-0.7;LowVol:-0.9,,6,25,5.8,hard 12%,162,34.2,Bear,34.2,4.25,2.2,160,-20,53,94,true,Rebalance,Rebalance back to target bands,5,-17,BrokerD,VWAP,92,VAR>budget,Pause,Risk above budget threshold,77,-22,198,3,false,Monitor dispersion and breadth
P7359,Active,IRA,USD,2025-08-10,2043394,144262,1899132,1.0,55.6,21.7,15.2,7.6,BND:14.0%;MUB:22.3%;GLD:24.9%;VTI:24.9%;XLF:13.8%,US:78.1;EU:10.4;APAC:5.1;EM:4.9;Other:1.4,Value:+0.9;Growth:+0.7;Quality:-0.8;Size:+0.5;Momentum:+0.3;LowVol:-0.8,MaxPos7%,7,30,5.2,hard 12%,147,26.1,Bull,11.9,4.06,3.3,108,77,78,32,false,Buy,Add to core equity +1%,3,-23,BrokerA,VWAP,100,None,None,Normal monitoring,-25,0,-26,3,false,Tax-aware sells next window
P7360,Active,Taxable,USD,2025-06-22,2126784,249218,1877566,1.0,52.0,25.7,14.8,7.5,XLF:36.2%;MSFT:36.2%;AAPL:27.7%,US:66.7;EU:11.6;APAC:10.4;EM:9.6;Other:1.6,Value:+0.9;Growth:+0.7;Quality:+0.8;Size:+0.8;Momentum:-0.2;LowVol:+0.8,MaxPos6%,7,30,5.4,trailing 8%,151,20.9,Volatile,22.7,4.78,3.3,156,71,77,56,false,Rebalance,Shift +1% to bonds from equity,-10,15,BrokerB,LMT,94,None,None,Normal monitoring,56,4,64,3,false,Increase defensive factor exposure
P7361,Systematic,IRA,USD,2024-07-30,557192,39907,517285,1.0,55.5,20.3,16.1,8.1,GLD:15.2%;VOO:21.2%;IEF:9.8%;QQQ:21.2%;TSLA:21.2%;MSFT:11.5%,US:64.2;EU:15.0;APAC:8.5;EM:10.2;Other:2.1,Value:+0.5;Growth:-0.9;Quality:+0.7;Size:-0.4;Momentum:+0.4;LowVol:+0.6,,5,35,5.9,trailing 9%,164,18.0,Bull,15.1,4.15,2.3,94,46,62,41,false,Sell,Trim extended winner -1%,-15,-8,BrokerC,LMT,88,None,None,Normal monitoring,-20,7,57,4,false,Increase defensive factor exposure
P7362,Hands-off,IRA,USD,2025-03-29,311218,30372,280846,1.0,57.9,22.4,11.9,7.8,MSFT:33.3%;MUB:33.3%;TSLA:33.3%,US:64.7;EU:15.7;APAC:12.1;EM:4.7;Other:2.9,Value:-0.4;Growth:-0.0;Quality:-0.5;Size:0.0;Momentum:-0.6;LowVol:-0.6,ESGOnly,6,35,3.1,hard 10%,126,12.9,Volatile,24.6,4.4,3.9,156,-43,26,58,false,Rebalance,Shift +1% to bonds from equity,9,-5,BrokerB,MKT,95,None,None,Normal monitoring,-38,-56,-50,4,false,Tighten stops on momentum names
P7363,Systematic,401k,USD,2025-03-28,1952861,128797,1824064,1.0,60.2,23.6,7.7,8.5,MUB:20.7%;VNQ:13.3%;BND:20.7%;TLT:15.5%;GLD:15.9%;VOO:13.8%,US:68.9;EU:12.2;APAC:11.8;EM:5.8;Other:1.3,Value:0.0;Growth:+0.2;Quality:-0.5;Size:+0.7;Momentum:-0.2;LowVol:0.0,NoDerivatives,8,30,5.2,trailing 8%,181,19.2,Volatile,24.6,5.08,3.9,118,-24,30,57,true,Hedge,Buy index puts 1% notional,-8,-38,BrokerB,LMT,96,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-36,-11,-60,4,false,Increase defensive factor exposure
P7364,Systematic,Roth,USD,2025-02-10,857089,34956,822133,1.0,57.7,21.9,11.2,9.2,BRK.B:26.2%;VOO:25.9%;BND:26.2%;IEF:21.8%,US:62.1;EU:20.5;APAC:8.4;EM:3.8;Other:5.3,Value:-0.2;Growth:-0.7;Quality:-0.8;Size:0.0;Momentum:+1.0;LowVol:-0.2,,5,30,5.1,trailing 8%,166,18.9,Bear,30.6,3.67,2.2,202,-95,7,78,true,Reduce,"Cut high-beta by 2-3%, add cash",26,-32,BrokerC,LMT,100,VAR>budget,Hedge,Risk above budget threshold,113,-34,123,4,false,Tax-aware sells next window
P7365,Systematic,Taxable,USD,2025-05-18,678726,59435,619291,1.0,55.4,30.7,7.2,6.7,MUB:27.9%;MSFT:27.9%;QQQ:27.9%;BND:16.3%,US:58.7;EU:15.7;APAC:11.9;EM:9.8;Other:4.0,Value:-0.3;Growth:-0.1;Quality:+0.5;Size:+0.6;Momentum:-0.5;LowVol:-0.4,MaxPos5%,6,35,4.3,trailing 8%,230,18.7,Sideways,19.7,3.73,2.7,114,5,42,49,false,Sell,Trim extended winner -1%,22,-20,BrokerB,MKT,90,None,None,Normal monitoring,13,10,120,5,false,Monitor dispersion and breadth
P7366,Systematic,Trust,USD,2024-09-26,1289814,104234,1185580,1.0,63.3,29.3,0.0,7.4,VOO:23.1%;BRK.B:25.6%;XLF:25.6%;VTI:25.6%,US:73.9;EU:9.3;APAC:8.8;EM:6.6;Other:1.5,Value:-0.3;Growth:-0.6;Quality:+0.3;Size:-0.6;Momentum:-0.6;LowVol:+0.9,MaxPos5%;NoDerivatives,6,35,4.2,trailing 8%,198,18.6,Volatile,27.5,4.0,2.7,115,2,53,68,true,Rebalance,Rebalance back to target bands,-4,-35,BrokerC,MKT,85,Drift>tolerance,Hedge,Allocation drift beyond policy bands,29,-22,117,3,false,Increase defensive factor exposure
P7367,Cautious,Taxable,USD,2025-05-02,238883,30735,208148,1.0,38.0,41.0,3.6,17.4,MUB:25.8%;BND:37.1%;XLF:37.1%,US:64.4;EU:11.4;APAC:8.9;EM:11.8;Other:3.6,Value:-0.4;Growth:+0.5;Quality:0.0;Size:-0.9;Momentum:-0.4;LowVol:+0.1,NoMargin,7,30,4.7,trailing 10%,139,14.0,Volatile,31.6,5.29,2.6,116,60,78,61,false,Buy,Add to core equity +1%,-6,6,BrokerC,LMT,92,None,None,Normal monitoring,91,-40,103,3,false,Increase defensive factor exposure
P7368,Opportunistic,IRA,USD,2025-09-30,1454398,122124,1332274,1.06,67.7,12.4,11.7,8.2,TSLA:35.0%;MUB:30.0%;VTI:35.0%,US:63.6;EU:11.6;APAC:13.2;EM:6.7;Other:4.8,Value:+0.9;Growth:+0.3;Quality:+0.5;Size:-0.3;Momentum:-0.6;LowVol:+0.2,,7,25,6.2,trailing 7%,215,31.4,Bull,13.5,4.78,3.0,74,113,100,51,true,Hedge,Buy index puts 1% notional,28,-31,BrokerD,LMT,90,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-39,9,10,3,false,Tax-aware sells next window
P7369,Active,Taxable,USD,2025-03-23,677934,49852,628082,1.0,60.1,18.3,15.6,6.0,QQQ:33.3%;MUB:33.3%;TLT:33.3%,US:68.3;EU:10.7;APAC:7.5;EM:9.7;Other:3.7,Value:+0.8;Growth:-0.7;Quality:+0.7;Size:-0.2;Momentum:+0.2;LowVol:0.0,MaxPos5%,8,25,4.7,hard 12%,220,27.2,Sideways,20.7,4.07,2.1,137,-5,58,63,false,Buy,Add to core equity +1%,29,11,BrokerD,LMT,89,None,None,Normal monitoring,51,-58,45,4,false,Increase defensive factor exposure
P7370,Hands-off,Trust,USD,2025-04-06,226359,10620,215739,1.0,56.3,16.3,20.6,6.8,MSFT:29.8%;MUB:35.1%;XLF:35.1%,US:68.2;EU:11.8;APAC:12.5;EM:5.1;Other:2.4,Value:+0.4;Growth:-0.1;Quality:-0.8;Size:+0.4;Momentum:-0.7;LowVol:-0.4,NoDerivatives,7,30,4.4,hard 10%,156,16.7,Bull,12.2,4.92,3.4,85,102,99,28,false,Buy,Add to core equity +1%,-1,-5,BrokerA,VWAP,95,None,None,Normal monitoring,101,-5,123,5,false,Tax-aware sells next window
P7371,Hands-off,Taxable,USD,2025-07-11,749716,73016,676700,1.0,60.5,18.6,14.1,6.9,AMZN:12.7%;QQQ:21.7%;MUB:21.7%;MSFT:13.2%;VNQ:21.7%;TLT:9.1%,US:70.2;EU:8.5;APAC:9.1;EM:8.8;Other:3.4,Value:+0.2;Growth:-0.8;Quality:+0.8;Size:+1.0;Momentum:-0.4;LowVol:+0.7,ESGOnly,6,35,5.2,trailing 10%,167,17.9,Bear,31.8,3.67,1.6,141,-26,51,82,true,Hedge,Buy index puts 1% notional,-2,-26,BrokerA,LMT,86,Drift>tolerance,Reduce,Allocation drift beyond policy bands,83,20,172,3,false,Increase defensive factor exposure
P7372,Systematic,Trust,USD,2025-07-06,1696066,132110,1563956,1.0,67.4,22.7,0.0,9.8,VOO:21.8%;MSFT:20.8%;BRK.B:22.7%;AMZN:22.7%;XLF:12.1%,US:70.6;EU:14.3;APAC:6.3;EM:7.8;Other:1.0,Value:-0.7;Growth:-0.7;Quality:+0.4;Size:+0.4;Momentum:-0.3;LowVol:-0.7,,10,35,5.4,hard 12%,120,25.3,Bull,16.4,4.85,3.3,109,72,93,63,false,Rebalance,Shift +1% to bonds from equity,-12,-38,BrokerC,LMT,91,None,None,Normal monitoring,66,-54,132,4,false,Tax-aware sells next window
P7373,Hands-off,401k,USD,2025-10-25,514654,37704,476950,1.0,63.3,26.6,1.5,8.6,AMZN:35.3%;MUB:35.3%;TLT:29.4%,US:63.7;EU:9.6;APAC:15.3;EM:5.8;Other:5.6,Value:+0.7;Growth:-0.8;Quality:-0.4;Size:+0.4;Momentum:-0.2;LowVol:+0.4,ESGOnly,5,25,3.1,trailing 8%,158,16.1,Bull,17.3,4.71,3.3,103,55,84,54,false,Sell,Trim extended winner -1%,8,-36,BrokerC,MKT,94,None,None,Normal monitoring,9,12,-23,3,false,Increase defensive factor exposure
P7374,Cautious,Roth,USD,2025-11-21,613366,73519,539847,1.0,40.5,42.8,4.4,12.2,HYG:18.7%;TSLA:15.5%;IEF:20.1%;TLT:8.6%;VTI:16.6%;VNQ:20.4%,US:68.4;EU:15.5;APAC:4.9;EM:11.1;Other:0.0,Value:-0.2;Growth:-0.4;Quality:-0.7;Size:+0.6;Momentum:-0.7;LowVol:-0.9,ESGOnly;NoMargin,7,25,3.6,trailing 8%,144,16.4,Volatile,27.7,3.9,3.2,173,-23,23,57,true,Hedge,Buy index puts 1% notional,2,-31,BrokerD,LMT,100,RegimeShift,Reduce,Volatility spike and breadth deterioration,14,-6,1,4,false,Within IPS guidelines
P7375,Active,Taxable,USD,2025-09-29,1209644,98249,1111395,1.0,53.5,18.9,18.6,9.1,VNQ:33.3%;VTI:33.3%;BND:33.3%,US:64.8;EU:9.1;APAC:13.0;EM:9.8;Other:3.4,Value:-0.7;Growth:-0.1;Quality:-0.2;Size:-0.7;Momentum:+0.5;LowVol:-0.9,,10,35,5.2,trailing 8%,145,19.7,Bull,15.9,3.58,3.3,101,19,65,37,false,NoAction,Within bands; monitor,28,-37,BrokerB,LMT,85,None,None,Normal monitoring,-50,2,44,5,false,Increase defensive factor exposure
P7376,Opportunistic,Trust,USD,2025-12-10,514890,36247,478643,1.0,70.0,10.2,13.2,6.6,AMZN:26.5%;MSFT:25.8%;XLF:26.5%;AAPL:21.3%,US:67.3;EU:6.6;APAC:11.6;EM:11.5;Other:3.0,Value:+0.7;Growth:+0.3;Quality:+0.3;Size:+0.7;Momentum:+0.6;LowVol:+0.6,NoDerivatives,8,30,5.7,hard 12%,277,35.0,Volatile,26.1,4.49,2.1,149,-4,51,70,false,Buy,Add to core equity +1%,27,-34,BrokerD,LMT,85,None,None,Normal monitoring,115,-57,102,4,false,Monitor dispersion and breadth
P7377,Active,Trust,USD,2025-12-26,2085016,159466,1925550,1.0,61.7,19.9,10.3,8.0,TSLA:33.3%;IEF:33.3%;BND:33.3%,US:66.9;EU:16.2;APAC:6.5;EM:8.8;Other:1.7,Value:-0.7;Growth:-0.7;Quality:-0.6;Size:-0.6;Momentum:+0.3;LowVol:+0.5,MaxPos8%,10,30,5.2,trailing 9%,223,25.2,Sideways,19.3,4.7,3.1,97,-11,47,48,false,Rebalance,Shift +1% to bonds from equity,16,-11,BrokerC,MKT,91,None,None,Normal monitoring,96,-47,110,4,false,Tax-aware sells next window
P7378,Hands-off,Taxable,USD,2024-08-17,684646,53128,631518,1.0,69.4,21.2,0.4,9.0,MUB:24.3%;GLD:24.3%;HYG:15.8%;MSFT:11.2%;VNQ:24.3%,US:58.4;EU:17.0;APAC:16.0;EM:7.9;Other:0.8,Value:+0.7;Growth:-0.9;Quality:+0.7;Size:-0.7;Momentum:-0.0;LowVol:-0.8,,5,30,5.1,trailing 8%,132,12.3,Bull,12.7,4.91,3.0,112,89,100,57,false,NoAction,Within bands; monitor,-13,-15,BrokerC,MKT,0,None,None,Normal monitoring,80,-1,73,4,false,Within IPS guidelines
P7379,Systematic,Roth,USD,2025-01-11,1172314,85514,1086800,1.0,61.1,29.8,0.0,9.1,VTI:10.3%;QQQ:21.9%;TLT:11.7%;VNQ:21.9%;GLD:21.9%;IEF:12.3%,US:72.9;EU:5.9;APAC:9.3;EM:8.7;Other:3.1,Value:-0.9;Growth:+0.5;Quality:+0.4;Size:+0.6;Momentum:+0.5;LowVol:-1.0,NoDerivatives,8,30,5.1,trailing 8%,132,17.1,Volatile,21.2,5.47,2.2,170,-9,38,66,false,Buy,Add to core equity +1%,-6,-7,BrokerD,MKT,88,None,None,Normal monitoring,55,-39,100,3,false,Monitor dispersion and breadth
P7380,Active,Roth,USD,2024-11-17,1607773,169611,1438162,1.0,60.6,29.6,2.7,7.1,VNQ:21.5%;TSLA:11.9%;MSFT:18.1%;VTI:21.5%;BND:6.7%;HYG:20.3%,US:69.6;EU:8.3;APAC:11.2;EM:10.4;Other:0.5,Value:-0.5;Growth:-0.2;Quality:-0.8;Size:-0.2;Momentum:+0.2;LowVol:+0.8,NoDerivatives,7,25,5.8,trailing 8%,171,25.0,Volatile,20.3,5.36,3.6,160,14,53,65,true,Reduce,"Cut high-beta by 2-3%, add cash",-2,-5,BrokerD,VWAP,86,RegimeShift,Reduce,Volatility spike and breadth deterioration,91,5,76,4,false,Monitor dispersion and breadth
P7381,Active,Roth,USD,2024-09-24,1944060,175813,1768247,1.0,59.3,23.5,9.7,7.5,VNQ:25.9%;BND:22.2%;QQQ:25.9%;VOO:25.9%,US:64.5;EU:19.8;APAC:6.1;EM:7.3;Other:2.2,Value:-1.0;Growth:-0.5;Quality:+0.1;Size:-0.0;Momentum:-0.5;LowVol:+0.9,MaxPos5%;NoDerivatives,6,30,5.3,trailing 8%,182,19.2,Bull,16.9,4.35,3.2,90,69,96,57,false,Hedge,Add TLT +1% as duration hedge,30,-40,BrokerB,LMT,99,None,None,Normal monitoring,-16,15,105,4,false,Within IPS guidelines
P7382,Cautious,Trust,USD,2024-09-03,679905,98915,580990,1.0,49.9,38.4,0.0,11.7,AMZN:16.0%;XLF:28.0%;VTI:28.0%;IEF:28.0%,US:60.6;EU:17.0;APAC:12.6;EM:7.1;Other:2.8,Value:+0.7;Growth:-0.9;Quality:+0.4;Size:-0.4;Momentum:+0.5;LowVol:-0.1,NoMargin,8,25,3.1,trailing 10%,96,14.5,Bull,11.1,4.93,2.0,86,6,64,39,true,Hedge,Buy index puts 1% notional,30,-30,BrokerC,LMT,100,VAR>budget,Hedge,Risk above budget threshold,-46,-4,-71,4,false,Tax-aware sells next window
P7383,Cautious,Roth,USD,2024-09-13,199712,21088,178624,1.0,51.3,33.5,2.3,12.9,VNQ:8.8%;VTI:20.4%;TSLA:7.8%;BRK.B:22.5%;HYG:22.5%;VOO:18.1%,US:65.3;EU:20.8;APAC:7.9;EM:5.4;Other:0.6,Value:+0.6;Growth:-0.4;Quality:+0.9;Size:+1.0;Momentum:-0.7;LowVol:+1.0,NoMargin,6,25,3.4,trailing 8%,102,13.8,Bull,16.5,3.52,2.3,77,49,86,43,false,Hedge,Add TLT +1% as duration hedge,-2,13,BrokerA,LMT,100,None,None,Normal monitoring,-22,-20,82,4,false,Monitor dispersion and breadth
P7384,Cautious,Roth,USD,2025-04-04,376356,31009,345347,1.0,45.5,39.3,0.7,14.6,VOO:16.9%;XLF:20.0%;TLT:12.7%;TSLA:18.8%;HYG:14.2%;QQQ:17.3%,US:69.9;EU:6.1;APAC:13.9;EM:7.7;Other:2.4,Value:-0.3;Growth:+1.0;Quality:+0.6;Size:-1.0;Momentum:+0.7;LowVol:-0.1,ESGOnly;MaxPos8%;NoMargin,6,35,4.4,trailing 8%,114,17.9,Volatile,28.4,5.41,3.0,162,71,92,67,false,Sell,Trim extended winner -1%,4,-40,BrokerA,LMT,98,None,None,Normal monitoring,84,10,204,3,false,Tax-aware sells next window
P7385,Systematic,Taxable,USD,2024-09-12,1066882,55415,1011467,1.0,65.3,23.6,1.9,9.3,BRK.B:20.6%;TLT:20.6%;BND:7.4%;XLF:19.8%;TSLA:15.3%;MSFT:16.2%,US:62.2;EU:17.5;APAC:12.3;EM:6.4;Other:1.6,Value:-0.5;Growth:-0.6;Quality:-0.6;Size:+0.7;Momentum:-0.7;LowVol:+0.2,MaxPos8%,6,35,5.3,hard 12%,123,24.4,Sideways,18.6,3.96,2.2,123,-25,46,53,false,Sell,Trim extended winner -1%,11,-5,BrokerA,MKT,89,None,None,Normal monitoring,104,16,140,3,false,Tighten stops on momentum names
P7386,Systematic,Taxable,USD,2024-10-29,588920,57503,531417,1.0,58.8,29.9,2.7,8.6,XLF:33.3%;BRK.B:33.3%;TSLA:33.3%,US:59.2;EU:19.6;APAC:6.5;EM:11.0;Other:3.6,Value:+0.1;Growth:-0.3;Quality:-0.3;Size:-0.2;Momentum:+0.6;LowVol:+0.5,,10,25,5.2,trailing 8%,219,22.6,Bear,25.6,4.22,2.7,144,-82,18,75,true,Hedge,Buy index puts 1% notional,16,-11,BrokerC,LMT,86,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-28,20,27,3,false,Increase defensive factor exposure
P7387,Hands-off,Trust,USD,2024-07-21,464952,35340,429612,1.0,73.7,15.8,3.3,7.2,VTI:20.5%;HYG:18.9%;QQQ:15.1%;TLT:9.4%;AMZN:15.7%;BND:20.5%,US:71.0;EU:10.4;APAC:6.6;EM:9.8;Other:2.2,Value:+0.8;Growth:+0.1;Quality:+0.5;Size:+0.6;Momentum:+0.4;LowVol:+0.5,ESGOnly,10,25,3.5,trailing 8%,131,12.0,Sideways,21.9,3.62,2.5,102,23,76,63,false,Rebalance,Shift +1% to bonds from equity,33,-16,BrokerA,VWAP,88,None,None,Normal monitoring,-42,10,-1,4,false,Increase defensive factor exposure
P7388,Active,Roth,USD,2025-06-02,1514977,100775,1414202,1.0,56.6,25.2,12.0,6.2,VOO:19.7%;IEF:20.0%;MSFT:30.2%;XLF:30.2%,US:61.3;EU:13.1;APAC:10.9;EM:11.0;Other:3.7,Value:+0.4;Growth:+0.6;Quality:+0.2;Size:-0.1;Momentum:+0.2;LowVol:-0.5,,5,35,4.9,trailing 9%,157,16.4,Volatile,27.3,4.17,2.8,171,-38,22,62,false,Hedge,Add TLT +1% as duration hedge,-3,-29,BrokerA,LMT,87,None,None,Normal monitoring,31,-18,79,5,false,Monitor dispersion and breadth
P7389,Opportunistic,IRA,USD,2025-08-02,333836,11859,321977,1.23,65.2,11.2,16.9,6.7,BRK.B:27.6%;TLT:28.6%;VNQ:15.2%;MSFT:28.6%,US:63.1;EU:12.7;APAC:9.7;EM:8.4;Other:6.1,Value:+0.5;Growth:+0.6;Quality:-0.7;Size:+0.1;Momentum:+0.4;LowVol:-0.5,MaxPos8%,7,35,6.2,trailing 9%,226,28.0,Sideways,16.9,4.79,2.4,114,-8,35,55,false,Buy,Add to core equity +1%,33,12,BrokerB,MKT,93,None,None,Normal monitoring,38,17,-2,4,false,Tax-aware sells next window
P7390,Systematic,401k,USD,2024-08-31,1645369,100328,1545041,1.0,66.4,20.6,5.0,8.0,VTI:33.3%;HYG:33.3%;VOO:33.3%,US:67.6;EU:11.8;APAC:7.2;EM:9.9;Other:3.5,Value:+0.9;Growth:-0.1;Quality:-0.1;Size:+0.1;Momentum:+0.9;LowVol:+0.1,MaxPos6%;NoDerivatives,8,30,4.3,trailing 8%,214,24.0,Sideways,15.2,4.91,2.5,91,10,54,40,false,Rebalance,Shift +1% to bonds from equity,-6,12,BrokerA,VWAP,86,None,None,Normal monitoring,-26,5,26,5,false,Increase defensive factor exposure
P7391,Cautious,Trust,USD,2025-05-06,707124,68532,638592,1.0,43.5,41.1,0.0,15.4,XLF:22.6%;TLT:18.3%;GLD:7.1%;VTI:8.9%;QQQ:20.5%;VNQ:22.6%,US:66.8;EU:13.1;APAC:10.0;EM:6.3;Other:3.8,Value:-0.5;Growth:-0.7;Quality:+0.8;Size:-0.8;Momentum:-0.5;LowVol:-0.2,ESGOnly;MaxPos7%;NoMargin,7,30,3.3,hard 10%,113,15.1,Sideways,21.5,4.99,2.4,105,-7,50,41,false,Hedge,Add TLT +1% as duration hedge,1,-39,BrokerB,MKT,100,None,None,Normal monitoring,68,-37,130,3,false,Increase defensive factor exposure
P7392,Cautious,Taxable,USD,2025-11-09,866302,108183,758119,1.0,41.4,33.5,14.8,10.3,AAPL:33.3%;AMZN:33.3%;VOO:33.3%,US:74.5;EU:6.9;APAC:8.2;EM:6.4;Other:4.0,Value:+1.0;Growth:-0.5;Quality:-0.1;Size:-1.0;Momentum:-0.7;LowVol:+0.5,NoDerivatives;NoMargin,5,35,3.0,trailing 8%,133,17.4,Bear,22.1,3.73,2.7,158,-101,5,54,true,Rebalance,Rebalance back to target bands,18,-18,BrokerC,LMT,89,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,56,-28,60,2,false,Tighten stops on momentum names
P7393,Cautious,Trust,USD,2024-08-12,273499,31546,241953,1.0,38.8,39.5,4.4,17.4,TSLA:11.6%;BRK.B:22.2%;VTI:22.2%;BND:21.8%;TLT:22.2%,US:67.3;EU:13.8;APAC:10.0;EM:5.1;Other:3.8,Value:+0.7;Growth:+0.5;Quality:-0.3;Size:+0.1;Momentum:+0.6;LowVol:+0.6,MaxPos5%;NoMargin,7,30,4.9,trailing 8%,116,14.9,Bull,16.8,3.97,3.1,75,4,40,38,false,Rebalance,Shift +1% to bonds from equity,28,-15,BrokerA,MKT,100,None,None,Normal monitoring,1,-54,-2,3,false,Within IPS guidelines
P7394,Active,401k,USD,2025-10-10,1706552,196183,1510369,1.0,60.8,25.3,4.1,9.8,HYG:17.7%;MSFT:23.0%;BND:23.0%;QQQ:18.8%;AAPL:17.5%,US:63.2;EU:16.7;APAC:10.6;EM:6.1;Other:3.4,Value:+0.6;Growth:+0.6;Quality:-0.8;Size:+0.8;Momentum:0.0;LowVol:+0.3,MaxPos6%,7,30,5.7,trailing 8%,149,25.4,Bear,24.3,3.63,2.2,173,9,47,73,true,Rebalance,Rebalance back to target bands,35,-35,BrokerD,LMT,89,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,108,-51,146,3,false,Within IPS guidelines
P7395,Systematic,Roth,USD,2024-09-13,1727134,80093,1647041,1.0,63.8,29.1,0.0,7.1,TLT:16.7%;MUB:27.8%;VNQ:27.8%;XLF:27.8%,US:70.6;EU:8.6;APAC:10.8;EM:9.5;Other:0.5,Value:+0.7;Growth:+0.7;Quality:+1.0;Size:-0.6;Momentum:+0.2;LowVol:-0.9,NoDerivatives,8,25,4.4,trailing 9%,154,25.1,Bull,17.1,3.67,3.4,116,9,48,60,false,Rebalance,Shift +1% to bonds from equity,-8,-20,BrokerB,VWAP,98,None,None,Normal monitoring,-16,-42,98,3,false,Within IPS guidelines
P7396,Opportunistic,Taxable,USD,2025-09-20,1643454,71179,1572275,1.0,62.9,20.7,9.8,6.7,VTI:33.3%;QQQ:33.3%;XLF:33.3%,US:74.9;EU:8.7;APAC:9.4;EM:4.4;Other:2.6,Value:-0.5;Growth:+1.0;Quality:+0.9;Size:-0.8;Momentum:+0.1;LowVol:+0.4,NoDerivatives,8,25,4.2,trailing 9%,172,31.3,Sideways,18.6,3.6,3.2,125,55,62,47,false,NoAction,Within bands; monitor,29,-26,BrokerA,MKT,0,None,None,Normal monitoring,-45,-44,-16,5,false,Monitor dispersion and breadth
P7397,Active,IRA,USD,2024-11-06,1897148,180876,1716272,1.0,58.8,21.7,10.9,8.7,TSLA:27.0%;XLF:27.0%;VNQ:19.0%;MSFT:27.0%,US:72.6;EU:7.7;APAC:11.6;EM:5.6;Other:2.5,Value:-0.4;Growth:-0.0;Quality:-0.3;Size:-0.0;Momentum:-0.9;LowVol:+0.3,MaxPos7%,6,25,5.1,hard 12%,123,21.5,Sideways,15.4,4.38,3.3,97,56,82,44,false,Buy,Add to core equity +1%,16,-17,BrokerC,MKT,85,None,None,Normal monitoring,-15,-40,-17,5,false,Tighten stops on momentum names
P7398,Hands-off,Taxable,USD,2024-09-14,508782,39428,469354,1.0,59.9,21.9,8.7,9.5,AMZN:25.0%;TLT:25.0%;IEF:9.6%;MUB:25.0%;TSLA:15.3%,US:64.8;EU:15.2;APAC:10.6;EM:7.2;Other:2.3,Value:+0.1;Growth:-0.1;Quality:+0.5;Size:+0.8;Momentum:+0.2;LowVol:+0.7,ESGOnly,10,25,3.7,hard 10%,125,15.2,Volatile,29.0,4.91,4.4,173,52,83,77,true,Reduce,"Cut high-beta by 2-3%, add cash",26,-6,BrokerA,MKT,92,VAR>budget,Hedge,Risk above budget threshold,-45,-10,-76,4,false,Monitor dispersion and breadth
P7399,Active,Trust,USD,2025-04-08,1241779,143364,1098415,1.12,51.2,27.6,13.9,7.4,IEF:23.0%;TSLA:16.0%;MSFT:15.0%;HYG:23.0%;QQQ:23.0%,US:63.3;EU:16.8;APAC:12.5;EM:3.9;Other:3.4,Value:-0.9;Growth:+0.4;Quality:-0.6;Size:+0.8;Momentum:+0.9;LowVol:+0.4,NoDerivatives,5,35,4.8,trailing 8%,200,16.2,Bear,34.3,3.64,2.7,190,15,68,83,true,Rebalance,Rebalance back to target bands,24,2,BrokerC,MKT,98,RegimeShift,Hedge,Volatility spike and breadth deterioration,99,12,70,4,false,Monitor dispersion and breadth
P7400,Opportunistic,Roth,USD,2024-12-21,1179502,102531,1076971,1.0,61.4,19.6,10.9,8.1,AMZN:16.2%;BRK.B:21.5%;BND:15.3%;XLF:21.5%;HYG:12.1%;MUB:13.3%,US:70.4;EU:14.5;APAC:7.1;EM:4.8;Other:3.3,Value:+0.6;Growth:+0.5;Quality:-0.1;Size:+0.7;Momentum:+0.6;LowVol:-0.0,MaxPos5%;NoDerivatives,10,30,5.5,trailing 7%,236,23.7,Bull,12.4,4.99,2.4,87,17,64,34,false,Rebalance,Shift +1% to bonds from equity,27,-11,BrokerB,LMT,85,None,None,Normal monitoring,50,-59,23,5,false,Monitor dispersion and breadth
P7401,Systematic,401k,USD,2025-09-05,1427785,73043,1354742,1.0,56.6,33.2,0.7,9.6,XLF:22.8%;QQQ:27.9%;IEF:21.4%;BND:27.9%,US:66.2;EU:15.8;APAC:5.5;EM:9.2;Other:3.4,Value:-0.1;Growth:+1.0;Quality:-0.5;Size:-0.3;Momentum:-0.6;LowVol:+0.8,MaxPos6%;NoDerivatives,5,30,6.0,hard 12%,151,24.3,Volatile,21.0,4.33,2.9,125,68,78,51,false,NoAction,Within bands; monitor,3,-13,BrokerB,MKT,0,None,None,Normal monitoring,1,-30,22,5,false,Within IPS guidelines
P7402,Active,IRA,USD,2025-09-20,1884335,125276,1759059,1.0,64.0,30.8,0.0,5.3,TSLA:33.3%;BRK.B:33.3%;VNQ:33.3%,US:68.5;EU:12.8;APAC:5.3;EM:10.4;Other:3.0,Value:+0.2;Growth:+0.8;Quality:-0.4;Size:+0.9;Momentum:-0.9;LowVol:+0.5,,8,25,5.5,trailing 8%,135,19.1,Volatile,24.8,4.41,2.5,163,56,69,72,true,Rebalance,Rebalance back to target bands,35,-36,BrokerA,MKT,85,Drift>tolerance,Hedge,Allocation drift beyond policy bands,0,0,41,5,false,Increase defensive factor exposure
P7403,Systematic,Taxable,USD,2025-12-18,700755,32585,668170,1.0,65.6,22.8,5.5,6.0,BND:20.4%;TSLA:15.7%;VOO:23.0%;XLF:23.0%;TLT:17.9%,US:70.5;EU:8.4;APAC:12.4;EM:4.3;Other:4.4,Value:-0.7;Growth:-0.1;Quality:-0.9;Size:-0.4;Momentum:+0.8;LowVol:+0.3,MaxPos8%,10,25,5.0,trailing 8%,129,25.2,Bear,33.6,3.47,1.5,138,1,50,79,true,Hedge,Buy index puts 1% notional,-12,9,BrokerD,MKT,97,Drift>tolerance,Reduce,Allocation drift beyond policy bands,28,-9,74,5,false,Tax-aware sells next window
P7404,Hands-off,Taxable,USD,2025-06-14,582101,40614,541487,1.0,61.3,16.6,13.1,9.0,MUB:33.3%;TLT:33.3%;GLD:33.3%,US:64.4;EU:17.4;APAC:12.3;EM:4.0;Other:1.9,Value:+0.9;Growth:-0.4;Quality:+0.8;Size:+0.7;Momentum:+0.4;LowVol:-0.1,ESGOnly,10,25,3.1,trailing 8%,110,15.4,Bull,16.8,4.76,2.5,92,36,73,55,false,NoAction,Within bands; monitor,4,-9,BrokerD,VWAP,99,None,None,Normal monitoring,-16,-44,74,4,false,Tax-aware sells next window
P7405,Hands-off,401k,USD,2025-01-17,852307,62597,789710,1.0,68.2,24.5,0.0,7.3,BRK.B:33.3%;MSFT:33.3%;IEF:33.3%,US:61.4;EU:16.4;APAC:11.7;EM:10.0;Other:0.5,Value:-0.8;Growth:-1.0;Quality:-0.1;Size:-0.4;Momentum:-0.7;LowVol:+0.8,ESGOnly,6,25,4.8,trailing 8%,123,13.1,Volatile,26.7,3.97,3.9,117,57,82,80,true,Hedge,Buy index puts 1% notional,3,-20,BrokerC,LMT,94,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-20,4,81,5,false,Tighten stops on momentum names
P7406,Cautious,Trust,USD,2025-01-28,469606,56760,412846,1.0,53.4,31.3,1.0,14.3,AAPL:22.9%;TSLA:19.3%;MUB:11.9%;GLD:22.9%;VNQ:22.9%,US:67.9;EU:10.8;APAC:14.0;EM:3.6;Other:3.7,Value:-0.0;Growth:-0.1;Quality:-0.2;Size:-0.2;Momentum:+0.2;LowVol:+0.3,MaxPos7%;NoDerivatives;NoMargin,5,35,3.4,trailing 10%,124,13.1,Volatile,21.3,5.33,4.5,170,-56,30,49,false,Rebalance,Shift +1% to bonds from equity,12,2,BrokerA,LMT,94,None,None,Normal monitoring,89,8,204,3,false,Tighten stops on momentum names
P7407,Hands-off,Trust,USD,2025-10-23,792218,36781,755437,1.0,68.6,22.2,0.4,8.8,VOO:25.4%;IEF:25.4%;BND:25.4%;AMZN:23.7%,US:66.9;EU:10.7;APAC:8.4;EM:10.2;Other:3.8,Value:+0.8;Growth:+0.3;Quality:+0.1;Size:-0.5;Momentum:-0.3;LowVol:+0.8,ESGOnly;MaxPos8%;NoDerivatives,10,25,3.7,trailing 8%,122,17.7,Bull,14.0,3.81,2.8,99,12,54,44,false,Sell,Trim extended winner -1%,-15,-30,BrokerA,MKT,99,None,None,Normal monitoring,-36,-13,-60,4,false,Monitor dispersion and breadth
P7408,Opportunistic,401k,USD,2024-12-06,1602796,135025,1467771,1.0,64.2,13.4,15.4,6.9,TLT:33.3%;XLF:33.3%;VOO:33.3%,US:59.1;EU:16.6;APAC:12.8;EM:8.9;Other:2.6,Value:-0.6;Growth:-0.1;Quality:+0.8;Size:-0.4;Momentum:+0.8;LowVol:-0.8,,7,30,6.9,trailing 9%,260,26.3,Bull,15.3,4.52,3.1,92,120,100,57,true,Hedge,Buy index puts 1% notional,22,-40,BrokerA,LMT,95,VAR>budget,Reduce,Risk above budget threshold,-60,-44,-75,3,false,Increase defensive factor exposure
P7409,Systematic,Roth,USD,2025-11-19,930196,78538,851658,1.0,65.2,26.2,0.0,8.6,MSFT:22.2%;AMZN:21.1%;BND:10.8%;TLT:7.9%;HYG:22.2%;VTI:15.9%,US:66.2;EU:17.4;APAC:9.5;EM:6.5;Other:0.4,Value:+1.0;Growth:+0.2;Quality:-0.8;Size:-0.4;Momentum:+0.4;LowVol:-0.3,,7,30,6.0,hard 12%,201,17.2,Bear,27.8,4.3,2.9,165,-63,25,67,true,Hedge,Buy index puts 1% notional,28,3,BrokerA,MKT,96,Drift>tolerance,Hedge,Allocation drift beyond policy bands,106,-43,108,3,true,Tighten stops on momentum names
P7410,Opportunistic,401k,USD,2024-07-27,1622329,99384,1522945,1.0,68.9,17.8,8.8,4.6,IEF:25.7%;VOO:25.7%;GLD:22.8%;VNQ:25.7%,US:70.5;EU:9.7;APAC:7.6;EM:8.6;Other:3.6,Value:-0.1;Growth:+0.1;Quality:-0.3;Size:+0.9;Momentum:+0.5;LowVol:-0.4,MaxPos6%,6,30,5.7,hard 12%,270,27.2,Sideways,18.6,4.01,2.5,113,-29,34,61,false,Buy,Add to core equity +1%,-11,-25,BrokerC,MKT,85,None,None,Normal monitoring,17,-47,-1,5,false,Tighten stops on momentum names
P7411,Hands-off,401k,USD,2025-08-26,161370,11958,149412,1.0,58.4,16.9,17.1,7.7,HYG:18.4%;GLD:24.2%;TLT:24.2%;BND:24.2%;VNQ:9.1%,US:64.0;EU:16.7;APAC:13.3;EM:3.3;Other:2.7,Value:+0.7;Growth:-0.2;Quality:+0.1;Size:-0.5;Momentum:-0.0;LowVol:-1.0,MaxPos5%;NoDerivatives,6,35,4.3,trailing 8%,134,16.0,Volatile,25.6,4.1,3.9,157,-56,24,70,false,Rebalance,Shift +1% to bonds from equity,10,13,BrokerD,LMT,88,None,None,Normal monitoring,32,-3,93,5,false,Increase defensive factor exposure
P7412,Hands-off,Taxable,USD,2025-02-26,609534,35658,573876,1.0,62.2,29.2,0.3,8.2,QQQ:12.9%;TSLA:24.1%;AMZN:25.5%;XLF:12.1%;GLD:25.5%,US:66.0;EU:19.7;APAC:7.3;EM:4.4;Other:2.7,Value:-0.9;Growth:-0.8;Quality:+1.0;Size:-0.7;Momentum:-0.1;LowVol:-0.2,ESGOnly;NoDerivatives,10,30,6.0,hard 10%,106,16.4,Bear,24.3,3.96,2.8,169,-20,36,58,false,Rebalance,Shift +1% to bonds from equity,28,-34,BrokerD,MKT,99,None,None,Normal monitoring,42,3,72,3,false,Within IPS guidelines
P7413,Cautious,IRA,USD,2025-05-04,423521,67255,356266,1.0,51.1,32.3,1.8,14.8,AAPL:25.8%;HYG:25.8%;QQQ:22.5%;TSLA:25.8%,US:63.9;EU:13.4;APAC:9.0;EM:9.3;Other:4.4,Value:-1.0;Growth:-0.1;Quality:-0.2;Size:-1.0;Momentum:-0.0;LowVol:-0.7,MaxPos6%;NoMargin,8,25,6.0,trailing 8%,94,12.8,Volatile,30.6,4.99,2.8,123,-51,35,64,true,Rebalance,Rebalance back to target bands,30,-22,BrokerC,LMT,94,Drift>tolerance,Hedge,Allocation drift beyond policy bands,69,8,97,2,false,Tax-aware sells next window
P7414,Opportunistic,401k,USD,2025-12-11,1239936,40433,1199503,1.0,61.5,19.1,11.4,8.0,VNQ:29.5%;VOO:29.5%;BRK.B:24.7%;VTI:16.3%,US:59.1;EU:15.4;APAC:12.4;EM:11.4;Other:1.7,Value:-0.3;Growth:+0.6;Quality:0.0;Size:-0.0;Momentum:+0.7;LowVol:-0.3,,6,35,6.8,trailing 9%,197,30.4,Bull,14.7,4.88,3.5,96,68,84,36,false,Sell,Trim extended winner -1%,33,12,BrokerB,MKT,89,None,None,Normal monitoring,38,2,147,4,false,Monitor dispersion and breadth
P7415,Cautious,IRA,USD,2025-06-19,776336,69946,706390,1.0,48.8,39.6,0.0,11.6,TLT:22.1%;MSFT:22.5%;GLD:22.5%;MUB:22.5%;XLF:10.5%,US:67.4;EU:9.4;APAC:13.0;EM:7.7;Other:2.5,Value:+0.1;Growth:-0.0;Quality:+0.2;Size:+0.9;Momentum:-0.7;LowVol:-1.0,NoMargin,7,30,3.4,hard 10%,93,18.3,Bear,28.4,3.79,1.6,197,-48,26,56,false,Rebalance,Shift +1% to bonds from equity,34,-7,BrokerD,MKT,99,None,None,Normal monitoring,50,-4,39,5,false,Within IPS guidelines
P7416,Active,IRA,USD,2024-09-10,565899,39873,526026,1.2,57.7,21.7,10.7,9.9,VNQ:20.8%;HYG:6.4%;VTI:16.7%;BND:20.8%;XLF:16.0%;VOO:19.3%,US:75.2;EU:6.4;APAC:7.8;EM:7.1;Other:3.4,Value:-0.6;Growth:+0.8;Quality:+0.1;Size:-0.9;Momentum:+0.5;LowVol:-0.3,MaxPos5%,5,25,5.7,trailing 9%,228,19.4,Volatile,29.8,5.35,2.5,127,-51,27,69,false,NoAction,Within bands; monitor,26,-26,BrokerA,VWAP,93,None,None,Normal monitoring,-49,-14,-79,3,false,Tighten stops on momentum names
P7417,Hands-off,Trust,USD,2024-07-29,182987,10657,172330,1.0,66.4,16.7,9.3,7.7,AAPL:21.5%;BRK.B:21.5%;XLF:21.5%;AMZN:21.5%;IEF:14.1%,US:64.5;EU:11.4;APAC:14.0;EM:7.7;Other:2.4,Value:-0.1;Growth:-0.2;Quality:+0.9;Size:+0.4;Momentum:+0.2;LowVol:-0.4,ESGOnly;NoDerivatives,10,25,5.2,hard 10%,121,17.6,Bull,15.6,3.81,2.6,92,60,79,42,true,Rebalance,Rebalance back to target bands,23,3,BrokerD,LMT,92,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-38,-1,-68,4,false,Increase defensive factor exposure
P7418,Opportunistic,401k,USD,2024-10-25,1436050,76064,1359986,1.16,74.0,11.7,7.8,6.5,QQQ:35.7%;BRK.B:35.7%;IEF:28.6%,US:70.8;EU:15.0;APAC:6.7;EM:3.8;Other:3.7,Value:-0.8;Growth:+0.9;Quality:-0.9;Size:+0.5;Momentum:-0.5;LowVol:+0.9,,7,30,5.7,trailing 7%,238,24.7,Sideways,15.0,4.17,2.7,103,60,72,58,false,Sell,Trim extended winner -1%,-10,-7,BrokerA,LMT,85,None,None,Normal monitoring,-57,-3,5,5,false,Increase defensive factor exposure
P7419,Hands-off,IRA,USD,2025-10-21,288630,26606,262024,1.0,59.7,23.4,8.2,8.8,BND:25.2%;IEF:25.2%;AMZN:25.2%;XLF:24.4%,US:62.7;EU:16.1;APAC:10.5;EM:8.9;Other:1.8,Value:+0.8;Growth:+0.6;Quality:+0.7;Size:+0.6;Momentum:+0.4;LowVol:-0.3,NoDerivatives,8,35,4.4,trailing 8%,99,12.5,Bull,11.1,3.57,2.3,85,85,86,39,false,Buy,Add to core equity +1%,-13,5,BrokerB,LMT,96,None,None,Normal monitoring,90,-47,200,3,false,Monitor dispersion and breadth
P7420,Systematic,401k,USD,2025-07-09,1522352,73985,1448367,1.0,57.3,22.3,10.7,9.7,MSFT:17.5%;AAPL:20.1%;HYG:15.2%;IEF:17.2%;GLD:19.5%;VNQ:10.5%,US:67.8;EU:8.7;APAC:13.3;EM:8.2;Other:2.0,Value:+0.1;Growth:+0.1;Quality:+0.6;Size:+0.7;Momentum:+0.7;LowVol:-0.3,MaxPos5%,8,25,4.2,hard 12%,166,22.2,Sideways,21.2,4.09,3.0,112,24,53,58,false,Sell,Trim extended winner -1%,-14,-17,BrokerA,VWAP,98,None,None,Normal monitoring,88,-22,144,3,false,Tax-aware sells next window
P7421,Systematic,IRA,USD,2024-11-18,873786,80527,793259,1.0,65.3,24.7,1.4,8.7,QQQ:13.6%;TLT:16.5%;GLD:21.0%;VTI:18.3%;BRK.B:18.5%;BND:12.1%,US:66.8;EU:6.5;APAC:11.9;EM:10.8;Other:3.9,Value:+1.0;Growth:-0.8;Quality:-1.0;Size:+0.8;Momentum:+0.4;LowVol:+0.8,MaxPos6%,8,35,5.3,hard 12%,213,16.4,Bull,15.4,4.95,3.3,79,108,100,39,false,NoAction,Within bands; monitor,-14,9,BrokerB,MKT,0,None,None,Normal monitoring,111,1,249,5,false,Monitor dispersion and breadth
P7422,Cautious,401k,USD,2025-01-25,160851,25442,135409,1.0,49.1,33.7,0.0,17.2,QQQ:27.4%;GLD:17.7%;TLT:27.4%;VOO:27.4%,US:58.4;EU:15.5;APAC:16.1;EM:7.7;Other:2.2,Value:+0.8;Growth:-0.7;Quality:+0.5;Size:-0.9;Momentum:-0.9;LowVol:+0.7,NoMargin,8,25,5.9,hard 10%,141,12.3,Sideways,19.9,4.78,2.1,119,-29,35,43,false,Rebalance,Shift +1% to bonds from equity,-5,-15,BrokerD,LMT,89,None,None,Normal monitoring,111,-39,134,4,false,Monitor dispersion and breadth
P7423,Opportunistic,Roth,USD,2024-12-07,1041384,93287,948097,1.18,70.1,20.6,3.2,6.0,AMZN:26.5%;BRK.B:24.4%;AAPL:26.5%;IEF:22.6%,US:70.1;EU:6.9;APAC:15.7;EM:5.0;Other:2.3,Value:-0.3;Growth:-0.2;Quality:0.0;Size:-0.1;Momentum:+0.8;LowVol:-0.2,NoDerivatives,5,30,6.7,hard 12%,177,27.0,Volatile,29.2,4.72,4.0,132,66,88,83,true,Hedge,Buy index puts 1% notional,17,11,BrokerB,LMT,92,RegimeShift,TightenStops,Volatility spike and breadth deterioration,118,-1,248,4,false,Within IPS guidelines
P7424,Systematic,Roth,USD,2025-03-01,1267401,104385,1163016,1.0,61.7,32.8,0.0,5.6,HYG:21.3%;VNQ:17.4%;XLF:10.6%;TLT:21.3%;BND:9.3%;QQQ:20.0%,US:55.6;EU:14.3;APAC:14.1;EM:11.9;Other:4.1,Value:-0.1;Growth:-0.8;Quality:-0.3;Size:+0.2;Momentum:+0.1;LowVol:+1.0,,8,30,5.9,trailing 9%,134,17.2,Bull,11.8,4.67,2.2,91,47,83,46,false,Rebalance,Shift +1% to bonds from equity,-8,-16,BrokerC,MKT,94,None,None,Normal monitoring,100,8,69,3,false,Tighten stops on momentum names
P7425,Hands-off,IRA,USD,2025-07-08,519567,46030,473537,1.0,66.4,24.2,0.9,8.6,TLT:18.3%;AMZN:14.5%;HYG:13.2%;GLD:19.5%;XLF:17.8%;AAPL:16.7%,US:74.4;EU:9.4;APAC:10.9;EM:3.9;Other:1.4,Value:-0.2;Growth:-0.4;Quality:-0.7;Size:+0.7;Momentum:+0.9;LowVol:+0.1,ESGOnly,10,35,3.5,hard 10%,104,12.1,Sideways,14.2,3.75,3.1,106,39,64,55,false,Buy,Add to core equity +1%,13,-8,BrokerA,MKT,86,None,None,Normal monitoring,0,-12,11,4,false,Tighten stops on momentum names
P7426,Hands-off,Roth,USD,2025-04-07,218947,10024,208923,1.0,66.1,24.7,0.0,9.2,MSFT:17.9%;VTI:27.7%;VOO:26.6%;VNQ:27.7%,US:69.6;EU:9.5;APAC:11.3;EM:6.2;Other:3.4,Value:+0.1;Growth:+0.1;Quality:-0.2;Size:-0.8;Momentum:-1.0;LowVol:+0.2,ESGOnly;MaxPos7%;NoDerivatives,6,35,3.5,hard 10%,164,13.4,Sideways,15.7,3.55,3.1,117,-27,22,55,false,Rebalance,Shift +1% to bonds from equity,8,-2,BrokerA,VWAP,90,None,None,Normal monitoring,-46,-17,59,5,false,Monitor dispersion and breadth
P7427,Active,Trust,USD,2024-12-10,813559,85049,728510,1.0,56.9,29.4,6.8,6.9,VOO:22.4%;BRK.B:22.4%;TLT:21.5%;QQQ:22.4%;XLF:11.4%,US:70.9;EU:6.7;APAC:10.6;EM:9.9;Other:1.8,Value:+0.9;Growth:+0.1;Quality:+0.1;Size:-0.4;Momentum:-0.3;LowVol:-0.2,NoDerivatives,6,25,5.7,trailing 8%,163,21.0,Bear,25.7,3.45,2.6,183,-115,5,58,false,Rebalance,Shift +1% to bonds from equity,14,5,BrokerC,LMT,85,None,None,Normal monitoring,-46,-46,32,5,false,Tax-aware sells next window
P7428,Active,IRA,USD,2025-03-19,1712345,109053,1603292,1.0,63.0,21.4,5.7,10.0,VOO:25.0%;AMZN:25.0%;BND:25.0%;VNQ:25.0%,US:67.5;EU:9.1;APAC:10.1;EM:10.0;Other:3.3,Value:-0.3;Growth:-0.4;Quality:-0.5;Size:+0.7;Momentum:+0.2;LowVol:+0.1,MaxPos6%,5,25,4.8,trailing 8%,222,27.6,Sideways,18.3,4.5,3.2,140,39,81,49,false,Rebalance,Shift +1% to bonds from equity,18,8,BrokerB,LMT,95,None,None,Normal monitoring,48,-52,78,4,false,Monitor dispersion and breadth
P7429,Hands-off,401k,USD,2025-12-05,458351,38685,419666,1.0,70.6,15.5,7.2,6.7,TSLA:20.8%;MSFT:16.4%;HYG:16.8%;IEF:13.8%;XLF:11.3%;AAPL:20.8%,US:64.9;EU:11.5;APAC:9.8;EM:10.1;Other:3.7,Value:-0.4;Growth:-0.6;Quality:-0.9;Size:+0.3;Momentum:-0.7;LowVol:+0.5,,7,35,3.9,hard 10%,159,12.4,Bull,13.9,4.1,3.0,87,117,100,45,false,Hedge,Add TLT +1% as duration hedge,16,-14,BrokerB,MKT,99,None,None,Normal monitoring,78,4,81,3,false,Monitor dispersion and breadth
P7430,Cautious,401k,USD,2025-09-10,782214,96202,686012,1.0,42.9,43.7,0.8,12.6,TLT:12.4%;VTI:21.9%;HYG:19.0%;IEF:16.6%;TSLA:21.9%;QQQ:8.2%,US:74.4;EU:5.2;APAC:11.9;EM:6.6;Other:1.9,Value:-0.6;Growth:-0.5;Quality:+0.9;Size:+0.3;Momentum:+0.8;LowVol:-0.1,ESGOnly;MaxPos6%;NoMargin,10,25,3.4,trailing 8%,143,17.5,Bull,11.8,4.42,2.1,74,119,100,25,false,Rebalance,Shift +1% to bonds from equity,11,-32,BrokerB,MKT,100,None,None,Normal monitoring,102,3,238,3,false,Tighten stops on momentum names
P7431,Active,IRA,USD,2025-08-22,1627698,135458,1492240,1.17,61.2,28.3,2.6,7.9,BRK.B:26.9%;AAPL:26.9%;TSLA:26.9%;XLF:19.3%,US:66.2;EU:18.3;APAC:6.3;EM:8.4;Other:0.9,Value:-0.2;Growth:-0.2;Quality:+0.8;Size:-0.9;Momentum:-0.2;LowVol:-0.9,,7,25,5.2,trailing 8%,212,25.4,Sideways,18.3,4.87,2.8,138,37,67,59,false,Buy,Add to core equity +1%,20,-7,BrokerA,MKT,99,None,None,Normal monitoring,113,17,222,4,false,Tax-aware sells next window
P7432,Cautious,Roth,USD,2025-10-12,183892,24454,159438,1.0,37.3,42.0,8.8,11.9,QQQ:22.3%;BRK.B:22.3%;HYG:22.3%;VOO:11.5%;VNQ:21.7%,US:57.7;EU:17.4;APAC:13.7;EM:7.6;Other:3.6,Value:+0.8;Growth:-0.5;Quality:-0.7;Size:+0.6;Momentum:+0.4;LowVol:+0.7,MaxPos5%;NoMargin,8,35,5.6,trailing 8%,143,16.4,Volatile,23.2,3.5,4.0,165,55,65,42,false,Rebalance,Shift +1% to bonds from equity,-9,-1,BrokerB,VWAP,93,None,None,Normal monitoring,84,-34,180,5,false,Monitor dispersion and breadth
P7433,Systematic,Taxable,USD,2025-05-23,1666659,164923,1501736,1.0,60.2,31.2,0.0,8.6,MUB:33.3%;IEF:33.3%;BND:33.3%,US:62.3;EU:20.2;APAC:11.1;EM:4.7;Other:1.6,Value:-0.1;Growth:-0.7;Quality:+0.2;Size:+0.5;Momentum:+0.3;LowVol:-0.1,MaxPos8%,8,30,5.7,hard 12%,209,17.7,Bear,34.2,4.14,1.7,142,-24,24,79,true,Hedge,Buy index puts 1% notional,8,-40,BrokerD,MKT,100,RegimeShift,Hedge,Volatility spike and breadth deterioration,-37,-20,-61,5,false,Tighten stops on momentum names
P7434,Systematic,Roth,USD,2024-11-14,1030835,69238,961597,1.0,68.5,20.5,5.2,5.8,GLD:24.0%;BND:24.0%;VTI:8.5%;IEF:10.9%;AAPL:8.7%;HYG:24.0%,US:70.9;EU:7.5;APAC:5.5;EM:11.1;Other:5.0,Value:+0.4;Growth:-0.4;Quality:-0.4;Size:+0.3;Momentum:-0.4;LowVol:-0.3,,5,35,5.1,trailing 9%,137,20.9,Sideways,16.3,3.9,3.3,109,33,75,61,true,Hedge,Buy index puts 1% notional,15,-2,BrokerB,LMT,97,Drift>tolerance,Hedge,Allocation drift beyond policy bands,106,-30,118,2,false,Tighten stops on momentum names
P7435,Systematic,Taxable,USD,2025-04-14,1576433,67377,1509056,1.0,57.5,30.5,5.5,6.5,BRK.B:23.0%;VTI:23.0%;HYG:15.6%;AAPL:15.4%;QQQ:23.0%,US:78.2;EU:5.3;APAC:7.3;EM:7.0;Other:2.2,Value:0.0;Growth:-0.6;Quality:+0.7;Size:+0.7;Momentum:-0.7;LowVol:+0.2,,6,25,5.5,hard 12%,154,24.9,Bull,13.8,4.46,2.7,101,15,64,37,false,Buy,Add to core equity +1%,13,11,BrokerA,LMT,85,None,None,Normal monitoring,-11,-19,52,3,false,Tighten stops on momentum names
P7436,Hands-off,IRA,USD,2025-05-05,683022,40697,642325,1.0,62.9,28.8,0.0,8.3,TSLA:22.5%;MSFT:20.4%;AMZN:22.5%;AAPL:17.3%;GLD:8.0%;BRK.B:9.3%,US:71.0;EU:8.8;APAC:8.8;EM:8.9;Other:2.5,Value:-0.6;Growth:+0.7;Quality:0.0;Size:-0.3;Momentum:+0.6;LowVol:-0.8,ESGOnly,10,30,3.4,trailing 8%,91,18.3,Volatile,30.0,4.21,4.5,114,9,58,73,true,Reduce,"Cut high-beta by 2-3%, add cash",19,-32,BrokerB,LMT,99,VAR>budget,Reduce,Risk above budget threshold,63,12,24,3,false,Tax-aware sells next window
P7437,Active,IRA,USD,2025-01-18,1300302,128538,1171764,1.0,66.7,25.6,0.0,7.7,MUB:33.3%;AMZN:33.3%;QQQ:33.3%,US:64.6;EU:16.9;APAC:7.1;EM:7.6;Other:3.7,Value:+0.7;Growth:-0.0;Quality:-0.1;Size:-0.7;Momentum:-0.6;LowVol:+0.4,,10,30,4.7,hard 12%,163,16.8,Sideways,16.7,4.49,3.0,92,18,65,53,false,Buy,Add to core equity +1%,-7,-17,BrokerD,MKT,95,None,None,Normal monitoring,101,4,182,3,false,Tighten stops on momentum names
P7438,Hands-off,Roth,USD,2025-03-21,230840,17225,213615,1.0,66.3,23.1,1.4,9.1,TSLA:8.1%;HYG:13.4%;AMZN:10.0%;AAPL:22.8%;XLF:22.8%;TLT:22.8%,US:69.3;EU:16.4;APAC:6.7;EM:6.5;Other:1.0,Value:+0.2;Growth:-1.0;Quality:+0.2;Size:+0.2;Momentum:-0.2;LowVol:+0.1,ESGOnly;MaxPos5%,7,25,5.5,trailing 10%,170,18.6,Volatile,27.1,3.9,3.3,124,31,62,73,true,Rebalance,Rebalance back to target bands,31,-16,BrokerB,VWAP,86,RegimeShift,TightenStops,Volatility spike and breadth deterioration,-31,-13,66,2,false,Tax-aware sells next window
P7439,Active,IRA,USD,2025-03-10,729169,49346,679823,1.0,56.8,19.5,16.8,6.9,XLF:20.8%;MUB:17.2%;BND:17.3%;AMZN:10.0%;MSFT:20.8%;QQQ:13.9%,US:68.0;EU:12.0;APAC:8.5;EM:8.8;Other:2.8,Value:-0.1;Growth:+0.7;Quality:-0.3;Size:+0.8;Momentum:+0.8;LowVol:+0.9,,8,25,4.2,trailing 8%,197,22.2,Bear,25.9,3.05,1.6,144,-27,29,56,false,Rebalance,Shift +1% to bonds from equity,18,-37,BrokerC,MKT,94,None,None,Normal monitoring,-8,-55,106,3,false,Tax-aware sells next window
P7440,Hands-off,401k,USD,2024-11-11,712882,42238,670644,1.0,59.6,21.8,12.9,5.7,AMZN:19.1%;TLT:18.1%;BRK.B:21.3%;MUB:21.3%;VOO:6.9%;HYG:13.3%,US:70.0;EU:7.4;APAC:8.5;EM:11.4;Other:2.6,Value:+0.9;Growth:-0.5;Quality:-0.0;Size:-0.2;Momentum:-0.4;LowVol:+0.7,MaxPos5%,10,30,5.1,hard 10%,135,19.8,Sideways,16.0,3.72,2.6,129,-14,44,53,false,Buy,Add to core equity +1%,9,1,BrokerD,MKT,85,None,None,Normal monitoring,-29,-5,107,5,false,Tighten stops on momentum names
P7441,Systematic,Roth,USD,2025-12-07,705169,39171,665998,1.0,66.4,25.0,0.0,8.6,MUB:21.2%;TLT:21.2%;XLF:21.2%;GLD:6.2%;AMZN:20.3%;BND:10.0%,US:66.8;EU:6.7;APAC:16.3;EM:9.9;Other:0.2,Value:-0.7;Growth:+0.1;Quality:-0.2;Size:+0.2;Momentum:-0.2;LowVol:-0.8,MaxPos6%,8,35,4.7,trailing 8%,201,25.0,Volatile,29.7,4.17,3.5,125,5,55,87,true,Reduce,"Cut high-beta by 2-3%, add cash",12,-21,BrokerB,MKT,88,Drift>tolerance,Hedge,Allocation drift beyond policy bands,69,11,180,3,false,Increase defensive factor exposure
P7442,Opportunistic,401k,USD,2025-10-11,868625,54891,813734,1.0,77.7,12.5,1.8,8.0,MUB:36.2%;HYG:36.2%;TSLA:27.6%,US:60.9;EU:13.3;APAC:12.8;EM:8.8;Other:4.2,Value:-0.5;Growth:+0.8;Quality:+0.4;Size:+0.2;Momentum:+0.2;LowVol:-0.1,MaxPos7%,6,30,4.9,hard 12%,212,20.6,Bear,27.4,4.49,2.3,211,-98,7,72,true,Reduce,"Cut high-beta by 2-3%, add cash",-10,-13,BrokerD,LMT,85,VAR>budget,Reduce,Risk above budget threshold,13,-31,-5,3,true,Tighten stops on momentum names
P7443,Active,401k,USD,2025-10-08,1627640,179743,1447897,1.0,67.9,20.1,4.4,7.5,TSLA:33.3%;BND:33.3%;VOO:33.3%,US:57.3;EU:16.7;APAC:12.6;EM:9.6;Other:3.8,Value:-0.0;Growth:-0.5;Quality:+0.4;Size:-0.6;Momentum:-0.9;LowVol:+0.6,MaxPos5%,7,30,5.7,trailing 9%,144,18.4,Bull,12.7,4.55,2.6,73,95,100,48,false,Rebalance,Shift +1% to bonds from equity,25,-1,BrokerB,MKT,97,None,None,Normal monitoring,-4,-37,99,4,false,Tax-aware sells next window
P7444,Hands-off,401k,USD,2024-12-11,633658,34132,599526,1.0,58.3,19.8,14.8,7.1,IEF:24.4%;XLF:19.0%;MUB:24.4%;HYG:9.0%;BND:23.2%,US:70.1;EU:9.9;APAC:7.8;EM:10.9;Other:1.3,Value:-0.5;Growth:+0.9;Quality:+0.2;Size:-0.7;Momentum:+0.9;LowVol:+0.2,,6,25,3.7,hard 10%,130,18.7,Bull,17.9,4.1,2.0,73,31,80,54,false,Sell,Trim extended winner -1%,1,-18,BrokerB,LMT,85,None,None,Normal monitoring,-16,3,48,5,false,Tax-aware sells next window
P7445,Active,Trust,USD,2025-07-18,1127969,68845,1059124,1.13,61.5,28.4,4.8,5.2,HYG:12.0%;MUB:17.3%;XLF:24.9%;GLD:24.9%;VNQ:20.9%,US:72.2;EU:10.2;APAC:11.3;EM:4.9;Other:1.4,Value:+0.6;Growth:-0.4;Quality:-0.1;Size:+1.0;Momentum:+0.6;LowVol:0.0,MaxPos5%,6,30,5.1,trailing 8%,140,20.0,Bull,12.4,4.9,3.0,111,30,70,32,false,Sell,Trim extended winner -1%,5,10,BrokerA,LMT,92,None,None,Normal monitoring,13,-29,98,5,false,Increase defensive factor exposure
P7446,Systematic,IRA,USD,2025-04-02,1188744,73108,1115636,1.0,60.5,32.8,0.0,6.7,MUB:28.1%;VNQ:15.7%;GLD:28.1%;BND:28.1%,US:66.8;EU:11.4;APAC:13.7;EM:8.0;Other:0.1,Value:+0.1;Growth:-0.2;Quality:-0.2;Size:+0.4;Momentum:-0.1;LowVol:+0.9,,8,35,4.1,trailing 8%,192,27.0,Volatile,29.7,3.88,3.7,120,-19,34,73,true,Reduce,"Cut high-beta by 2-3%, add cash",22,-40,BrokerA,LMT,96,Drift>tolerance,Reduce,Allocation drift beyond policy bands,109,-48,78,2,true,Increase defensive factor exposure
P7447,Hands-off,Trust,USD,2025-12-25,773745,36007,737738,1.0,56.8,29.5,6.3,7.4,QQQ:34.5%;HYG:31.0%;IEF:34.5%,US:59.4;EU:13.5;APAC:11.1;EM:13.3;Other:2.6,Value:-0.9;Growth:-0.9;Quality:+1.0;Size:-0.4;Momentum:-0.2;LowVol:-0.9,ESGOnly;MaxPos5%;NoDerivatives,10,25,3.7,trailing 8%,120,15.1,Volatile,28.0,5.29,3.6,111,10,56,68,false,Rebalance,Shift +1% to bonds from equity,-3,-10,BrokerD,MKT,99,None,None,Normal monitoring,-10,12,23,3,false,Monitor dispersion and breadth
P7448,Active,Roth,USD,2025-04-16,2360637,239670,2120967,1.0,55.7,31.6,5.8,6.9,QQQ:33.3%;AMZN:33.3%;GLD:33.3%,US:66.9;EU:11.4;APAC:16.1;EM:4.7;Other:1.0,Value:-0.1;Growth:-1.0;Quality:-0.5;Size:-0.4;Momentum:+0.5;LowVol:0.0,,7,25,5.8,trailing 8%,188,27.2,Bear,28.2,4.46,2.4,159,-57,12,66,false,Buy,Add to core equity +1%,-10,-30,BrokerA,LMT,87,None,None,Normal monitoring,62,-53,52,3,false,Increase defensive factor exposure
P7449,Cautious,IRA,USD,2025-08-12,684272,65093,619179,1.0,43.5,30.8,13.7,12.0,GLD:24.8%;MSFT:18.8%;BRK.B:28.2%;TLT:28.2%,US:75.6;EU:9.6;APAC:5.8;EM:5.2;Other:3.9,Value:+0.9;Growth:+0.2;Quality:+0.2;Size:-0.3;Momentum:-0.1;LowVol:-0.2,MaxPos8%;NoMargin,10,30,3.4,trailing 8%,152,13.4,Bull,12.9,4.59,3.3,80,62,89,31,false,Sell,Trim extended winner -1%,-1,-2,BrokerB,MKT,96,None,None,Normal monitoring,50,12,14,3,false,Monitor dispersion and breadth
P7450,Cautious,401k,USD,2025-06-16,757245,107305,649940,1.0,47.5,40.3,0.0,12.2,MUB:23.7%;TSLA:23.7%;GLD:17.4%;AMZN:23.7%;VTI:11.5%,US:74.6;EU:7.0;APAC:7.7;EM:10.4;Other:0.2,Value:-0.7;Growth:-0.1;Quality:-0.1;Size:-0.4;Momentum:-0.7;LowVol:+0.1,NoMargin,8,30,5.6,hard 10%,158,14.8,Sideways,20.1,3.99,3.2,126,13,67,52,true,Reduce,"Cut high-beta by 2-3%, add cash",21,-13,BrokerD,MKT,96,VAR>budget,Pause,Risk above budget threshold,5,-24,31,4,false,Tighten stops on momentum names
P7451,Active,IRA,USD,2025-06-28,901343,66422,834921,1.0,67.4,23.2,0.0,9.4,TLT:15.3%;BND:12.8%;AAPL:19.2%;BRK.B:21.6%;QQQ:15.7%;VTI:15.3%,US:70.0;EU:10.7;APAC:13.0;EM:4.4;Other:1.8,Value:-0.4;Growth:-0.9;Quality:0.0;Size:+0.8;Momentum:-0.0;LowVol:+0.5,,7,35,5.5,hard 12%,199,27.7,Bull,16.8,3.89,3.1,87,97,87,63,true,Rebalance,Rebalance back to target bands,-7,2,BrokerC,LMT,96,VAR>budget,Hedge,Risk above budget threshold,-11,-52,4,3,false,Monitor dispersion and breadth
P7452,Hands-off,IRA,USD,2025-03-23,685636,59788,625848,1.0,61.2,21.2,9.2,8.3,QQQ:20.6%;HYG:10.1%;AAPL:15.4%;GLD:20.5%;VOO:20.6%;BRK.B:12.9%,US:67.3;EU:8.9;APAC:11.9;EM:8.5;Other:3.5,Value:+0.2;Growth:-0.6;Quality:+0.6;Size:+0.8;Momentum:+0.5;LowVol:-0.1,,10,30,5.6,trailing 8%,141,13.6,Bull,14.1,4.68,3.5,75,58,82,54,false,Sell,Trim extended winner -1%,20,11,BrokerA,LMT,90,None,None,Normal monitoring,2,-26,13,4,false,Monitor dispersion and breadth
P7453,Hands-off,IRA,USD,2025-10-20,224817,16086,208731,1.0,55.4,20.3,15.0,9.2,TSLA:22.3%;MUB:22.3%;BRK.B:13.5%;QQQ:22.3%;MSFT:19.7%,US:73.2;EU:13.9;APAC:6.0;EM:3.4;Other:3.5,Value:-0.5;Growth:-1.0;Quality:-0.8;Size:+1.0;Momentum:-0.7;LowVol:-0.6,NoDerivatives,7,30,3.1,trailing 8%,117,15.2,Bull,13.2,4.12,2.6,112,115,100,34,false,Buy,Add to core equity +1%,31,-1,BrokerC,LMT,87,None,None,Normal monitoring,74,16,209,4,false,Increase defensive factor exposure
P7454,Systematic,401k,USD,2025-03-31,980171,72242,907929,1.0,62.5,25.8,4.5,7.2,HYG:35.8%;BRK.B:28.4%;MSFT:35.8%,US:70.4;EU:6.4;APAC:15.0;EM:6.8;Other:1.3,Value:-0.9;Growth:+0.7;Quality:-0.1;Size:-0.9;Momentum:-0.2;LowVol:+0.3,MaxPos5%,6,30,4.5,hard 12%,178,26.4,Bull,11.9,3.91,3.1,104,50,86,47,false,NoAction,Within bands; monitor,10,-15,BrokerA,LMT,85,None,None,Normal monitoring,20,-58,138,5,false,Within IPS guidelines
P7455,Cautious,Taxable,USD,2025-11-25,566278,78705,487573,1.0,39.9,37.2,5.1,17.8,IEF:22.9%;MSFT:13.7%;TSLA:20.8%;TLT:19.7%;VTI:22.9%,US:58.6;EU:19.2;APAC:10.1;EM:11.7;Other:0.3,Value:+0.7;Growth:-0.3;Quality:+0.3;Size:-0.7;Momentum:-0.6;LowVol:+0.2,ESGOnly;NoMargin,6,35,3.3,trailing 8%,165,12.6,Bull,12.1,4.12,3.4,80,84,100,20,false,Rebalance,Shift +1% to bonds from equity,5,-12,BrokerA,LMT,86,None,None,Normal monitoring,41,-21,152,3,false,Tax-aware sells next window
P7456,Systematic,IRA,USD,2025-03-03,1435955,59830,1376125,1.0,59.8,31.1,3.9,5.2,AAPL:27.4%;HYG:17.7%;BRK.B:27.4%;AMZN:27.4%,US:64.2;EU:15.7;APAC:10.2;EM:7.7;Other:2.2,Value:+0.4;Growth:+0.6;Quality:+0.4;Size:-0.6;Momentum:+0.9;LowVol:+0.8,NoDerivatives,5,30,4.3,trailing 8%,168,25.9,Volatile,29.1,5.14,2.2,150,-37,38,71,true,Rebalance,Rebalance back to target bands,-7,7,BrokerC,VWAP,87,Drift>tolerance,Hedge,Allocation drift beyond policy bands,28,1,106,2,false,Within IPS guidelines
P7457,Hands-off,Trust,USD,2025-01-08,246078,11723,234355,1.0,59.0,27.3,8.2,5.6,MUB:20.2%;VOO:26.6%;BRK.B:26.6%;GLD:26.6%,US:59.8;EU:14.6;APAC:12.1;EM:10.2;Other:3.3,Value:-0.7;Growth:+0.7;Quality:+0.6;Size:+0.2;Momentum:+0.9;LowVol:+0.2,ESGOnly,5,25,5.2,trailing 10%,169,18.8,Bear,26.8,3.54,1.2,207,-53,26,75,true,Hedge,Buy index puts 1% notional,-6,-2,BrokerC,LMT,94,Drift>tolerance,Reduce,Allocation drift beyond policy bands,109,10,203,4,false,Increase defensive factor exposure
P7458,Hands-off,401k,USD,2024-11-04,571316,46875,524441,1.0,60.9,24.3,6.2,8.6,QQQ:7.0%;AAPL:22.0%;VTI:22.0%;MSFT:22.0%;TSLA:14.9%;VNQ:12.0%,US:73.8;EU:6.4;APAC:9.0;EM:9.6;Other:1.3,Value:+0.9;Growth:-1.0;Quality:+0.8;Size:-0.2;Momentum:-0.8;LowVol:-0.3,,8,30,4.9,trailing 10%,116,13.4,Bull,12.4,4.9,3.0,73,92,89,39,false,Rebalance,Shift +1% to bonds from equity,-7,2,BrokerB,MKT,88,None,None,Normal monitoring,-36,-28,81,4,false,Tighten stops on momentum names
P7459,Hands-off,Trust,USD,2025-09-02,401287,28771,372516,1.0,55.8,29.5,8.9,5.7,GLD:33.3%;VOO:33.3%;QQQ:33.3%,US:64.2;EU:9.0;APAC:11.5;EM:10.0;Other:5.3,Value:-0.1;Growth:+0.1;Quality:-0.3;Size:-1.0;Momentum:+0.3;LowVol:-0.7,ESGOnly;NoDerivatives,5,35,3.2,trailing 10%,97,17.1,Bull,12.8,3.75,2.1,85,52,64,35,false,Rebalance,Shift +1% to bonds from equity,10,-31,BrokerA,VWAP,98,None,None,Normal monitoring,-12,-35,-41,3,false,Tax-aware sells next window
P7460,Hands-off,IRA,USD,2024-09-15,207909,18924,188985,1.0,55.7,25.4,11.2,7.7,HYG:14.1%;XLF:22.9%;TSLA:22.9%;AMZN:17.2%;GLD:22.9%,US:65.7;EU:16.7;APAC:6.6;EM:6.7;Other:4.3,Value:+0.3;Growth:0.0;Quality:+0.6;Size:-0.4;Momentum:+0.2;LowVol:+0.8,MaxPos6%,10,25,5.2,trailing 8%,94,16.4,Sideways,16.3,3.73,2.2,123,-1,53,49,true,Hedge,Buy index puts 1% notional,-12,-1,BrokerB,VWAP,100,VAR>budget,TightenStops,Risk above budget threshold,86,-14,206,3,false,Increase defensive factor exposure
P7461,Opportunistic,Roth,USD,2025-01-20,759963,25452,734511,1.14,71.3,21.0,0.0,7.7,MSFT:23.8%;HYG:23.8%;VTI:13.4%;MUB:23.8%;VNQ:15.3%,US:68.7;EU:13.5;APAC:6.9;EM:7.2;Other:3.7,Value:-1.0;Growth:+0.4;Quality:-0.6;Size:-0.0;Momentum:-0.5;LowVol:-0.5,,5,35,5.7,hard 12%,249,30.0,Bull,14.4,4.98,2.4,112,0,54,44,false,Hedge,Add TLT +1% as duration hedge,16,-19,BrokerB,MKT,97,None,None,Normal monitoring,94,-28,89,5,false,Increase defensive factor exposure
P7462,Cautious,401k,USD,2024-09-10,652082,58480,593602,1.0,45.0,38.2,0.0,16.8,XLF:22.1%;TLT:22.1%;HYG:7.8%;MUB:12.2%;MSFT:20.3%;BND:15.6%,US:72.0;EU:8.8;APAC:6.0;EM:10.1;Other:3.1,Value:-0.6;Growth:-0.5;Quality:-0.6;Size:-0.6;Momentum:-0.3;LowVol:-0.7,NoMargin,10,35,5.2,hard 10%,132,19.9,Bear,25.6,3.97,1.9,220,-47,16,59,false,NoAction,Within bands; monitor,-11,-13,BrokerB,LMT,85,None,None,Normal monitoring,90,19,205,3,false,Tax-aware sells next window
P7463,Active,IRA,USD,2024-09-21,2308107,212970,2095137,1.0,54.5,23.6,14.8,7.1,BRK.B:21.0%;VTI:13.6%;HYG:21.8%;TLT:21.8%;AAPL:21.8%,US:67.9;EU:17.8;APAC:5.9;EM:3.3;Other:5.0,Value:-0.9;Growth:+0.7;Quality:+0.6;Size:-0.3;Momentum:-0.2;LowVol:-0.5,NoDerivatives,5,35,5.0,trailing 8%,225,18.2,Bull,17.8,4.14,2.5,70,106,93,38,true,Rebalance,Rebalance back to target bands,35,-8,BrokerB,MKT,96,RegimeShift,Reduce,Volatility spike and breadth deterioration,-40,1,96,5,false,Monitor dispersion and breadth
P7464,Hands-off,401k,USD,2024-09-19,385391,24714,360677,1.0,63.8,15.6,14.0,6.7,GLD:35.6%;MUB:35.6%;VNQ:28.8%,US:65.4;EU:19.0;APAC:8.6;EM:4.7;Other:2.2,Value:+0.9;Growth:-0.6;Quality:-0.3;Size:+0.9;Momentum:+1.0;LowVol:+0.8,,5,35,3.6,hard 10%,105,17.8,Bull,14.4,4.51,2.7,91,44,80,48,false,Buy,Add to core equity +1%,-9,-30,BrokerD,MKT,98,None,None,Normal monitoring,25,-37,151,3,false,Increase defensive factor exposure
P7465,Cautious,IRA,USD,2025-08-08,163438,24206,139232,1.0,36.3,32.4,14.0,17.3,VOO:21.6%;MSFT:20.1%;VTI:15.2%;BND:21.6%;AAPL:21.6%,US:60.7;EU:15.7;APAC:12.8;EM:8.9;Other:1.9,Value:+1.0;Growth:-0.7;Quality:+0.3;Size:+0.9;Momentum:+0.3;LowVol:+0.7,MaxPos8%;NoMargin,6,30,5.1,trailing 10%,169,19.1,Bull,13.1,4.04,2.8,108,28,63,33,false,Sell,Trim extended winner -1%,3,2,BrokerA,VWAP,95,None,None,Normal monitoring,32,-57,87,3,false,Monitor dispersion and breadth
P7466,Active,Trust,USD,2024-10-09,566555,48917,517638,1.0,58.4,31.5,2.1,8.0,MUB:33.3%;VTI:33.3%;VNQ:33.3%,US:67.5;EU:12.7;APAC:11.1;EM:7.0;Other:1.8,Value:-0.8;Growth:-0.0;Quality:+0.1;Size:+0.8;Momentum:+0.8;LowVol:+1.0,MaxPos5%,10,25,4.9,trailing 8%,174,22.2,Sideways,15.7,4.53,3.4,129,12,41,36,false,Rebalance,Shift +1% to bonds from equity,7,-26,BrokerA,LMT,99,None,None,Normal monitoring,69,-29,123,4,false,Tighten stops on momentum names
P7467,Opportunistic,IRA,USD,2024-10-25,995457,41043,954414,1.21,61.5,18.5,13.8,6.3,AMZN:33.3%;BRK.B:33.3%;XLF:33.3%,US:63.4;EU:15.0;APAC:11.4;EM:7.6;Other:2.7,Value:-0.4;Growth:-0.3;Quality:+0.7;Size:+0.2;Momentum:+0.5;LowVol:0.0,,8,30,4.2,trailing 7%,177,23.1,Volatile,20.4,4.27,3.6,133,21,75,65,false,Rebalance,Shift +1% to bonds from equity,6,-27,BrokerB,VWAP,97,None,None,Normal monitoring,-30,-11,103,4,false,Within IPS guidelines
P7468,Systematic,Taxable,USD,2025-04-02,716467,41486,674981,1.0,64.0,25.0,3.6,7.4,TSLA:12.5%;IEF:22.5%;HYG:12.6%;MSFT:22.5%;MUB:7.4%;VTI:22.5%,US:72.1;EU:5.2;APAC:15.3;EM:6.6;Other:0.7,Value:-0.6;Growth:-0.2;Quality:+0.4;Size:+1.0;Momentum:+0.9;LowVol:-0.2,,10,25,4.4,trailing 9%,129,19.2,Sideways,18.0,4.67,2.0,101,-28,24,60,true,Hedge,Buy index puts 1% notional,-9,14,BrokerD,LMT,85,Drift>tolerance,Reduce,Allocation drift beyond policy bands,57,-29,38,5,false,Within IPS guidelines
P7469,Active,Roth,USD,2025-12-13,579753,36769,542984,1.08,62.0,30.2,0.0,7.8,QQQ:26.7%;TLT:26.7%;VOO:26.7%;GLD:19.8%,US:66.4;EU:21.0;APAC:6.8;EM:4.9;Other:0.8,Value:+0.6;Growth:-0.2;Quality:-0.3;Size:+0.1;Momentum:-0.0;LowVol:-0.4,,8,30,4.2,trailing 9%,120,21.7,Sideways,17.6,4.83,3.2,92,21,67,44,false,NoAction,Within bands; monitor,-15,14,BrokerA,LMT,90,None,None,Normal monitoring,100,-47,190,3,false,Monitor dispersion and breadth
P7470,Systematic,Roth,USD,2025-06-11,1271721,64192,1207529,1.0,63.4,26.9,2.1,7.6,TLT:33.3%;HYG:33.3%;VNQ:33.3%,US:68.2;EU:14.7;APAC:9.0;EM:5.8;Other:2.3,Value:-0.0;Growth:+0.3;Quality:-0.3;Size:-0.1;Momentum:-0.6;LowVol:-0.5,,7,25,4.1,trailing 9%,208,20.6,Volatile,25.5,5.25,4.4,125,10,43,67,false,Buy,Add to core equity +1%,20,-8,BrokerB,LMT,92,None,None,Normal monitoring,5,-24,109,3,false,Monitor dispersion and breadth
P7471,Opportunistic,Roth,USD,2024-10-20,590005,47267,542738,1.0,62.5,13.8,15.6,8.1,AMZN:17.4%;GLD:10.9%;BND:22.6%;BRK.B:14.9%;VTI:22.6%;XLF:11.6%,US:69.9;EU:12.8;APAC:8.3;EM:8.2;Other:0.8,Value:-0.0;Growth:+0.5;Quality:+0.7;Size:-0.3;Momentum:+0.9;LowVol:-1.0,NoDerivatives,8,30,5.1,hard 12%,173,26.3,Volatile,28.2,3.98,4.2,148,63,82,73,true,Reduce,"Cut high-beta by 2-3%, add cash",-12,-39,BrokerB,MKT,95,RegimeShift,Reduce,Volatility spike and breadth deterioration,-45,-60,-70,5,true,Tighten stops on momentum names
P7472,Cautious,401k,USD,2025-05-04,689553,94759,594794,1.0,46.2,31.0,7.9,14.9,AMZN:19.8%;MSFT:5.3%;QQQ:20.1%;BRK.B:20.3%;VNQ:18.1%;IEF:16.3%,US:75.4;EU:12.5;APAC:6.1;EM:4.9;Other:1.0,Value:-0.5;Growth:0.0;Quality:+0.6;Size:-0.2;Momentum:-0.8;LowVol:-0.0,MaxPos5%;NoDerivatives;NoMargin,5,30,4.8,trailing 8%,150,19.0,Sideways,14.9,3.6,2.5,101,59,81,45,false,Buy,Add to core equity +1%,-7,-26,BrokerA,LMT,89,None,None,Normal monitoring,-30,-19,26,5,false,Within IPS guidelines
P7473,Active,401k,USD,2025-01-08,850519,74133,776386,1.0,65.9,26.6,0.0,7.5,QQQ:33.3%;BRK.B:33.3%;HYG:33.3%,US:61.1;EU:12.6;APAC:15.9;EM:8.0;Other:2.4,Value:-0.4;Growth:+0.1;Quality:-0.0;Size:-1.0;Momentum:+0.7;LowVol:+0.2,MaxPos7%,7,35,4.8,trailing 8%,191,18.7,Bull,16.9,4.34,3.3,78,115,100,58,false,Buy,Add to core equity +1%,19,-23,BrokerC,MKT,97,None,None,Normal monitoring,-23,-56,41,3,false,Increase defensive factor exposure
P7474,Opportunistic,Trust,USD,2025-01-17,1413232,52901,1360331,1.0,62.2,19.0,14.6,4.2,VTI:26.3%;VNQ:26.3%;GLD:25.6%;BRK.B:21.8%,US:61.8;EU:13.7;APAC:8.1;EM:11.5;Other:4.9,Value:-0.7;Growth:-0.6;Quality:-0.2;Size:+0.1;Momentum:+1.0;LowVol:-0.1,MaxPos7%,6,30,6.9,trailing 9%,269,30.0,Bear,34.2,4.43,1.3,198,-96,17,80,true,Hedge,Buy index puts 1% notional,-6,0,BrokerB,VWAP,91,Drift>tolerance,Reduce,Allocation drift beyond policy bands,13,-18,29,4,false,Monitor dispersion and breadth
P7475,Opportunistic,Trust,USD,2025-04-11,454834,40537,414297,1.0,74.1,19.3,0.0,6.6,VTI:25.5%;QQQ:25.5%;BND:25.5%;AAPL:23.5%,US:69.1;EU:8.4;APAC:14.2;EM:7.8;Other:0.5,Value:+0.7;Growth:+0.4;Quality:+0.3;Size:-0.6;Momentum:-0.8;LowVol:+0.2,MaxPos5%,7,35,6.0,trailing 7%,206,32.3,Volatile,25.9,5.22,3.5,167,0,44,81,true,Hedge,Buy index puts 1% notional,31,-40,BrokerA,LMT,87,Drift>tolerance,Reduce,Allocation drift beyond policy bands,101,-2,200,4,false,Within IPS guidelines
P7476,Cautious,401k,USD,2025-01-12,286201,24194,262007,1.0,49.7,34.1,3.4,12.7,VNQ:20.3%;MSFT:19.4%;XLF:11.9%;BND:24.2%;BRK.B:24.2%,US:65.8;EU:11.5;APAC:15.3;EM:5.9;Other:1.6,Value:-0.0;Growth:+0.3;Quality:+0.3;Size:-0.6;Momentum:-0.6;LowVol:-0.1,NoMargin,7,30,3.2,trailing 8%,139,12.2,Bear,23.8,3.95,1.2,144,-4,55,65,false,Buy,Add to core equity +1%,12,-14,BrokerC,MKT,98,None,None,Normal monitoring,-12,-23,52,5,false,Monitor dispersion and breadth
P7477,Systematic,IRA,USD,2025-07-14,609824,27637,582187,1.0,59.7,26.5,7.2,6.7,TLT:16.1%;XLF:20.5%;VTI:12.9%;MSFT:21.3%;AMZN:21.3%;GLD:7.8%,US:66.9;EU:18.0;APAC:6.3;EM:6.1;Other:2.6,Value:-0.3;Growth:+0.3;Quality:-0.6;Size:-0.4;Momentum:+0.5;LowVol:-0.2,,8,30,4.7,trailing 9%,194,21.1,Bull,11.6,3.56,3.5,93,107,100,41,true,Rebalance,Rebalance back to target bands,33,2,BrokerA,LMT,92,Drift>tolerance,Hedge,Allocation drift beyond policy bands,46,14,179,2,false,Tax-aware sells next window
P7478,Hands-off,401k,USD,2025-02-19,766625,57535,709090,1.0,59.5,18.0,13.8,8.6,VNQ:33.3%;IEF:33.3%;TLT:33.3%,US:59.9;EU:16.8;APAC:10.8;EM:10.6;Other:1.8,Value:-0.6;Growth:-0.4;Quality:0.0;Size:-0.4;Momentum:-0.8;LowVol:-0.4,ESGOnly;MaxPos5%;NoDerivatives,6,35,6.0,hard 10%,164,18.3,Bear,29.0,3.25,1.3,196,-44,18,69,false,Sell,Trim extended winner -1%,6,-4,BrokerA,VWAP,100,None,None,Normal monitoring,42,-58,152,5,false,Monitor dispersion and breadth
P7479,Active,401k,USD,2025-07-03,1387193,91612,1295581,1.0,65.7,23.3,4.6,6.4,MSFT:17.9%;MUB:11.5%;QQQ:23.5%;AMZN:23.5%;TLT:23.5%,US:65.6;EU:12.5;APAC:12.4;EM:8.9;Other:0.5,Value:-0.6;Growth:-0.5;Quality:+0.6;Size:+1.0;Momentum:-0.8;LowVol:+0.8,,5,30,4.8,trailing 9%,180,18.0,Volatile,23.4,5.43,3.7,170,80,78,60,true,Hedge,Buy index puts 1% notional,28,-18,BrokerC,MKT,91,VAR>budget,Reduce,Risk above budget threshold,-3,-6,82,5,false,Increase defensive factor exposure
P7480,Cautious,Roth,USD,2025-10-26,350333,29196,321137,1.0,35.5,33.3,13.7,17.4,TSLA:25.2%;BND:11.0%;HYG:25.8%;VOO:12.1%;IEF:25.8%,US:68.0;EU:9.2;APAC:10.1;EM:10.1;Other:2.6,Value:0.0;Growth:-0.7;Quality:-0.3;Size:-0.0;Momentum:-0.4;LowVol:+0.4,NoMargin,8,25,3.9,trailing 10%,135,14.8,Volatile,23.8,5.19,3.7,128,6,40,44,false,Sell,Trim extended winner -1%,2,-7,BrokerA,MKT,98,None,None,Normal monitoring,101,-52,190,4,false,Within IPS guidelines
P7481,Opportunistic,401k,USD,2025-12-15,1600941,72184,1528757,1.0,73.9,11.6,8.5,5.9,QQQ:31.3%;XLF:34.3%;BRK.B:34.3%,US:68.6;EU:13.2;APAC:11.6;EM:4.8;Other:1.9,Value:-0.5;Growth:-0.8;Quality:-0.5;Size:-0.4;Momentum:-0.7;LowVol:+0.7,NoDerivatives,8,30,6.6,hard 12%,206,30.4,Volatile,22.9,5.4,3.0,161,12,54,80,true,Hedge,Buy index puts 1% notional,18,-25,BrokerB,MKT,85,Drift>tolerance,Hedge,Allocation drift beyond policy bands,56,-2,168,4,true,Tax-aware sells next window
P7482,Cautious,Taxable,USD,2024-08-28,395638,33905,361733,1.0,47.9,36.2,0.0,15.9,BRK.B:27.6%;MSFT:27.6%;IEF:17.2%;VNQ:27.6%,US:68.1;EU:19.0;APAC:5.1;EM:4.2;Other:3.6,Value:-0.5;Growth:-0.9;Quality:-0.1;Size:+0.8;Momentum:+0.5;LowVol:-1.0,MaxPos6%;NoMargin,10,30,3.1,trailing 10%,149,18.0,Bull,11.2,4.91,2.1,93,90,100,41,false,Sell,Trim extended winner -1%,-4,6,BrokerC,MKT,100,None,None,Normal monitoring,-24,-28,-32,5,false,Increase defensive factor exposure
P7483,Hands-off,Taxable,USD,2025-09-11,299281,27075,272206,1.0,57.0,20.0,16.0,7.0,HYG:20.9%;BRK.B:17.4%;BND:20.7%;QQQ:20.9%;GLD:5.5%;VOO:14.6%,US:70.9;EU:11.8;APAC:5.7;EM:10.4;Other:1.0,Value:-0.7;Growth:+0.6;Quality:+0.9;Size:-0.9;Momentum:-0.8;LowVol:+0.7,NoDerivatives,5,35,5.6,trailing 8%,148,17.7,Volatile,23.4,4.64,3.9,158,16,68,68,false,Sell,Trim extended winner -1%,27,-17,BrokerB,MKT,94,None,None,Normal monitoring,58,-25,189,4,false,Tax-aware sells next window
P7484,Hands-off,Taxable,USD,2025-07-14,323469,20303,303166,1.0,57.7,17.1,19.1,6.1,TLT:16.3%;BND:16.6%;MUB:23.0%;QQQ:14.9%;IEF:12.2%;AMZN:17.1%,US:70.4;EU:7.9;APAC:10.3;EM:5.9;Other:5.5,Value:-0.7;Growth:-0.0;Quality:+0.3;Size:+0.8;Momentum:-0.1;LowVol:-0.8,,8,30,3.2,trailing 8%,132,14.1,Volatile,29.9,3.77,2.4,158,32,70,80,true,Rebalance,Rebalance back to target bands,31,-32,BrokerA,MKT,100,Drift>tolerance,Hedge,Allocation drift beyond policy bands,82,-37,203,2,false,Tighten stops on momentum names
P7485,Systematic,Taxable,USD,2024-12-05,1770191,145455,1624736,1.0,61.3,31.2,0.0,7.5,IEF:15.9%;MUB:27.1%;GLD:16.1%;AAPL:13.8%;XLF:27.1%,US:63.0;EU:17.5;APAC:14.5;EM:3.9;Other:1.2,Value:-0.5;Growth:-1.0;Quality:+0.8;Size:-0.1;Momentum:-0.3;LowVol:-0.4,NoDerivatives,7,25,4.8,trailing 8%,164,27.2,Bull,15.5,3.78,2.3,90,52,63,55,false,Rebalance,Shift +1% to bonds from equity,22,-18,BrokerA,LMT,96,None,None,Normal monitoring,-46,-21,83,5,false,Increase defensive factor exposure
P7486,Active,Roth,USD,2024-12-10,2311183,215498,2095685,1.0,63.6,28.6,0.6,7.2,BND:33.3%;MSFT:33.3%;AAPL:33.3%,US:68.6;EU:10.3;APAC:10.5;EM:8.7;Other:2.0,Value:-0.7;Growth:0.0;Quality:+0.7;Size:-1.0;Momentum:-0.5;LowVol:-0.4,MaxPos8%;NoDerivatives,5,35,4.4,trailing 9%,120,22.8,Bull,17.8,4.51,2.4,114,77,77,56,false,Rebalance,Shift +1% to bonds from equity,19,-26,BrokerC,VWAP,97,None,None,Normal monitoring,21,-9,6,4,false,Tighten stops on momentum names
P7487,Systematic,IRA,USD,2024-10-11,1561205,112889,1448316,1.0,66.2,27.2,1.3,5.3,AMZN:36.9%;MSFT:26.2%;TLT:36.9%,US:71.1;EU:13.1;APAC:5.7;EM:5.4;Other:4.8,Value:+0.8;Growth:-0.8;Quality:+0.3;Size:+0.5;Momentum:-0.3;LowVol:-0.9,,6,35,4.4,trailing 8%,167,17.1,Volatile,28.8,5.48,3.6,148,-9,54,70,false,Buy,Add to core equity +1%,-9,-10,BrokerB,MKT,88,None,None,Normal monitoring,0,-17,78,4,false,Tighten stops on momentum names
P7488,Opportunistic,Taxable,USD,2025-05-08,637968,29829,608139,1.0,69.0,19.4,4.3,7.4,HYG:35.5%;TLT:29.1%;MSFT:35.5%,US:68.0;EU:16.1;APAC:7.9;EM:4.4;Other:3.6,Value:-0.2;Growth:+0.3;Quality:+0.3;Size:+0.3;Momentum:-0.4;LowVol:+0.1,MaxPos7%,10,35,5.5,trailing 7%,167,32.6,Bull,12.3,4.38,2.8,80,40,59,49,false,Sell,Trim extended winner -1%,4,2,BrokerC,LMT,91,None,None,Normal monitoring,25,-41,16,4,false,Tax-aware sells next window
P7489,Cautious,401k,USD,2024-10-08,336641,37570,299071,1.0,44.2,38.9,1.6,15.4,HYG:23.6%;TLT:23.6%;MUB:18.4%;AAPL:10.9%;IEF:23.6%,US:68.4;EU:11.6;APAC:10.4;EM:4.6;Other:5.0,Value:+0.5;Growth:-0.5;Quality:+0.8;Size:-0.7;Momentum:-0.7;LowVol:+0.5,ESGOnly;NoDerivatives;NoMargin,5,25,3.3,trailing 10%,130,16.6,Volatile,26.3,3.5,3.5,148,17,52,65,false,Sell,Trim extended winner -1%,-11,7,BrokerA,LMT,97,None,None,Normal monitoring,-53,0,4,3,false,Increase defensive factor exposure
P7490,Systematic,IRA,USD,2024-10-23,1215801,59213,1156588,1.0,62.9,31.4,0.0,5.8,GLD:10.1%;QQQ:9.2%;VOO:23.3%;VNQ:10.9%;TLT:23.3%;AAPL:23.3%,US:66.0;EU:10.9;APAC:9.4;EM:9.6;Other:4.1,Value:-0.2;Growth:+0.1;Quality:-0.6;Size:+0.5;Momentum:0.0;LowVol:-0.9,,7,25,6.0,trailing 8%,222,26.0,Bear,33.9,3.87,2.6,181,-47,30,81,true,Hedge,Buy index puts 1% notional,9,-28,BrokerA,VWAP,94,VAR>budget,Reduce,Risk above budget threshold,-51,12,73,3,false,Tax-aware sells next window
P7491,Cautious,401k,USD,2025-07-29,255306,32293,223013,1.0,42.7,30.5,15.5,11.4,AAPL:12.7%;MSFT:22.2%;TLT:11.4%;HYG:22.2%;TSLA:13.1%;BRK.B:18.5%,US:61.8;EU:18.1;APAC:7.3;EM:11.1;Other:1.7,Value:+0.1;Growth:+1.0;Quality:-0.4;Size:+0.9;Momentum:-0.3;LowVol:+0.1,NoMargin,6,30,3.6,hard 10%,148,12.1,Bull,16.0,4.73,3.4,92,28,62,47,false,Buy,Add to core equity +1%,23,-37,BrokerC,VWAP,91,None,None,Normal monitoring,-33,-56,-70,5,false,Monitor dispersion and breadth
P7492,Active,Roth,USD,2025-06-28,721807,70994,650813,1.0,50.7,19.4,20.1,9.8,GLD:22.1%;HYG:22.1%;TSLA:8.7%;MSFT:15.1%;AMZN:22.1%;XLF:9.9%,US:70.8;EU:7.9;APAC:10.6;EM:8.1;Other:2.6,Value:-0.9;Growth:-0.9;Quality:-0.8;Size:+0.5;Momentum:-0.6;LowVol:-0.9,,7,25,5.5,hard 12%,197,20.5,Bear,27.1,3.92,1.9,199,-118,5,74,true,Hedge,Buy index puts 1% notional,-1,-35,BrokerD,MKT,94,Drift>tolerance,Reduce,Allocation drift beyond policy bands,85,6,75,5,true,Increase defensive factor exposure
P7493,Hands-off,Roth,USD,2025-11-15,704957,36815,668142,1.0,58.8,29.5,2.6,9.1,AAPL:16.1%;VTI:22.2%;TSLA:10.9%;HYG:25.4%;VOO:25.4%,US:72.3;EU:12.8;APAC:5.0;EM:7.6;Other:2.2,Value:+0.5;Growth:-0.8;Quality:+1.0;Size:-0.2;Momentum:-0.2;LowVol:-0.7,ESGOnly;MaxPos8%,6,35,3.4,trailing 8%,101,13.8,Bull,12.0,4.51,3.4,79,83,90,40,false,Hedge,Add TLT +1% as duration hedge,-10,-9,BrokerD,MKT,98,None,None,Normal monitoring,-22,-16,12,3,false,Tax-aware sells next window
P7494,Cautious,Roth,USD,2025-12-17,404880,35186,369694,1.0,44.0,36.6,8.9,10.5,VTI:14.1%;TSLA:16.2%;HYG:19.5%;IEF:20.3%;BND:9.6%;VOO:20.3%,US:77.5;EU:7.7;APAC:9.7;EM:4.6;Other:0.6,Value:-0.7;Growth:-0.9;Quality:+0.1;Size:+0.4;Momentum:+0.4;LowVol:+0.7,NoMargin,7,35,5.1,trailing 8%,162,17.4,Bear,25.5,3.85,2.3,215,-59,23,50,true,Hedge,Buy index puts 1% notional,-6,-18,BrokerA,LMT,97,Drift>tolerance,Reduce,Allocation drift beyond policy bands,47,2,84,4,true,Within IPS guidelines
P7495,Opportunistic,Trust,USD,2024-11-16,1615895,116380,1499515,1.0,71.5,19.3,0.4,8.7,VOO:13.1%;XLF:23.9%;VNQ:23.9%;AMZN:23.9%;GLD:15.3%,US:73.4;EU:10.6;APAC:10.8;EM:3.9;Other:1.3,Value:+1.0;Growth:-0.8;Quality:-0.6;Size:+0.2;Momentum:-0.5;LowVol:+0.1,,5,30,4.8,trailing 7%,174,28.7,Bull,11.9,4.11,3.1,79,68,78,50,false,Rebalance,Shift +1% to bonds from equity,-9,0,BrokerB,VWAP,92,None,None,Normal monitoring,107,-30,246,5,false,Increase defensive factor exposure
P7496,Opportunistic,401k,USD,2024-07-14,1320448,41020,1279428,1.0,64.3,19.9,7.7,8.1,TLT:25.0%;GLD:25.0%;IEF:25.0%;MSFT:25.0%,US:70.7;EU:12.7;APAC:6.6;EM:8.5;Other:1.5,Value:-0.8;Growth:+0.1;Quality:+0.1;Size:+0.2;Momentum:+1.0;LowVol:+1.0,MaxPos7%,5,25,4.2,hard 12%,171,20.7,Bull,17.7,4.42,2.4,89,68,94,46,false,Sell,Trim extended winner -1%,-2,-3,BrokerB,VWAP,94,None,None,Normal monitoring,-17,-19,60,4,false,Increase defensive factor exposure
P7497,Cautious,Roth,USD,2025-08-14,437786,63290,374496,1.0,46.1,38.4,3.8,11.7,AAPL:33.3%;AMZN:33.3%;GLD:33.3%,US:62.9;EU:16.7;APAC:11.9;EM:6.2;Other:2.4,Value:-0.5;Growth:+0.3;Quality:-0.7;Size:-0.7;Momentum:+0.9;LowVol:-0.5,ESGOnly;NoMargin,10,35,4.1,trailing 8%,91,13.5,Volatile,31.1,5.45,4.5,174,-26,23,59,false,Sell,Trim extended winner -1%,23,0,BrokerB,MKT,99,None,None,Normal monitoring,95,-17,68,5,false,Increase defensive factor exposure
P7498,Opportunistic,Taxable,USD,2024-08-25,1696004,128681,1567323,1.0,73.6,16.6,2.0,7.7,IEF:21.2%;VTI:16.0%;TSLA:7.5%;MSFT:15.8%;AMZN:18.4%;BRK.B:21.2%,US:68.7;EU:13.0;APAC:8.1;EM:9.5;Other:0.7,Value:-0.3;Growth:-0.6;Quality:+0.1;Size:-0.2;Momentum:-0.6;LowVol:-0.9,MaxPos8%,7,35,6.5,hard 12%,192,32.7,Volatile,27.1,3.7,4.1,169,26,58,77,true,Hedge,Buy index puts 1% notional,32,-21,BrokerC,VWAP,94,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,36,-49,66,2,false,Increase defensive factor exposure
P7499,Hands-off,Trust,USD,2025-05-09,325928,26676,299252,1.0,56.2,18.6,16.0,9.2,VNQ:9.8%;BND:21.9%;QQQ:12.3%;TSLA:14.6%;MSFT:21.9%;IEF:19.5%,US:68.7;EU:10.5;APAC:16.8;EM:3.7;Other:0.4,Value:-0.3;Growth:+0.5;Quality:-0.3;Size:-0.6;Momentum:-0.0;LowVol:-0.8,ESGOnly,7,30,4.7,trailing 8%,132,19.9,Sideways,16.2,4.95,2.8,92,23,70,46,false,Buy,Add to core equity +1%,10,0,BrokerB,MKT,100,None,None,Normal monitoring,74,-42,106,5,false,Monitor dispersion and breadth
P7500,Hands-off,Trust,USD,2025-10-31,539035,39636,499399,1.0,67.9,24.7,0.0,7.4,MSFT:33.3%;MUB:33.3%;BND:33.3%,US:68.5;EU:9.4;APAC:10.9;EM:7.6;Other:3.7,Value:-0.3;Growth:-1.0;Quality:0.0;Size:-0.9;Momentum:-0.6;LowVol:+0.5,ESGOnly;MaxPos5%,10,25,3.8,trailing 8%,169,17.5,Bull,12.8,4.13,2.8,76,11,52,48,false,Rebalance,Shift +1% to bonds from equity,21,0,BrokerA,VWAP,92,None,None,Normal monitoring,61,19,169,4,false,Within IPS guidelines
P7501,Active,Trust,USD,2025-08-02,1757499,131557,1625942,1.0,63.6,29.2,0.1,7.1,HYG:21.3%;MUB:20.6%;MSFT:21.3%;TLT:16.3%;AMZN:20.5%,US:60.7;EU:19.1;APAC:13.2;EM:4.2;Other:2.7,Value:+0.3;Growth:-0.6;Quality:-0.3;Size:-0.3;Momentum:-0.5;LowVol:-0.4,,8,30,5.9,trailing 8%,214,18.9,Volatile,27.6,3.71,2.7,137,56,92,74,true,Rebalance,Rebalance back to target bands,21,15,BrokerA,VWAP,91,VAR>budget,Hedge,Risk above budget threshold,96,-36,113,4,false,Monitor dispersion and breadth
P7502,Systematic,Trust,USD,2025-05-06,908523,65768,842755,1.0,56.6,31.1,3.7,8.6,MSFT:18.3%;GLD:8.1%;VNQ:20.7%;TLT:8.9%;VOO:21.9%;MUB:22.2%,US:58.9;EU:15.7;APAC:12.6;EM:9.7;Other:3.1,Value:-0.5;Growth:-0.3;Quality:+0.4;Size:+0.7;Momentum:-0.2;LowVol:-0.1,MaxPos8%,6,25,4.6,trailing 8%,176,18.2,Bull,17.7,3.69,3.3,115,56,66,53,false,Buy,Add to core equity +1%,22,2,BrokerB,LMT,88,None,None,Normal monitoring,68,-23,139,4,false,Increase defensive factor exposure
P7503,Cautious,401k,USD,2024-09-28,872733,73437,799296,1.0,41.3,39.5,6.6,12.6,VOO:25.1%;AMZN:10.6%;AAPL:25.1%;GLD:14.2%;BND:25.1%,US:56.1;EU:17.0;APAC:14.1;EM:10.8;Other:2.0,Value:+1.0;Growth:+0.6;Quality:+0.5;Size:-0.9;Momentum:-0.3;LowVol:-0.4,ESGOnly;NoMargin,10,30,5.9,hard 10%,123,14.7,Bull,18.0,4.08,2.9,84,109,95,33,false,Buy,Add to core equity +1%,18,0,BrokerB,LMT,92,None,None,Normal monitoring,16,7,-6,3,false,Tax-aware sells next window
P7504,Hands-off,IRA,USD,2025-08-15,707633,51989,655644,1.0,58.2,21.9,12.9,6.9,TSLA:7.5%;TLT:18.7%;BND:20.2%;IEF:17.6%;MSFT:15.5%;GLD:20.4%,US:59.5;EU:19.8;APAC:11.2;EM:8.6;Other:0.9,Value:+0.7;Growth:-0.8;Quality:+0.7;Size:+0.5;Momentum:-0.4;LowVol:+0.8,ESGOnly,5,25,5.0,trailing 8%,153,16.9,Bull,11.0,4.47,2.9,91,56,66,32,false,NoAction,Within bands; monitor,-3,-34,BrokerB,MKT,0,None,None,Normal monitoring,71,-5,201,4,false,Tighten stops on momentum names
P7505,Active,IRA,USD,2025-08-06,2485105,207346,2277759,1.24,65.2,29.7,0.0,5.1,BND:20.3%;QQQ:10.9%;VTI:18.8%;MUB:19.8%;TLT:15.5%;VOO:14.7%,US:69.8;EU:17.8;APAC:6.6;EM:4.9;Other:1.0,Value:+0.1;Growth:-0.6;Quality:-0.8;Size:-0.7;Momentum:-0.9;LowVol:-0.5,NoDerivatives,7,25,5.3,trailing 8%,148,19.2,Sideways,16.3,4.71,2.1,97,5,52,43,false,Rebalance,Shift +1% to bonds from equity,15,-40,BrokerC,LMT,100,None,None,Normal monitoring,31,6,107,5,false,Tax-aware sells next window
P7506,Hands-off,IRA,USD,2024-11-02,321710,25547,296163,1.0,69.7,19.8,0.5,10.0,HYG:33.3%;BND:33.3%;VTI:33.3%,US:64.7;EU:14.3;APAC:16.1;EM:4.3;Other:0.5,Value:+0.5;Growth:-0.1;Quality:+0.2;Size:-0.9;Momentum:+0.7;LowVol:-0.2,MaxPos5%,5,30,5.6,trailing 8%,117,14.7,Volatile,27.8,4.91,4.3,128,31,50,72,true,Reduce,"Cut high-beta by 2-3%, add cash",-6,-17,BrokerD,VWAP,90,RegimeShift,Reduce,Volatility spike and breadth deterioration,106,-39,133,4,false,Tax-aware sells next window
P7507,Systematic,Roth,USD,2025-08-16,1028816,52328,976488,1.0,56.7,20.3,16.6,6.5,BND:18.3%;QQQ:16.3%;MUB:20.9%;BRK.B:22.2%;AMZN:22.2%,US:75.8;EU:6.2;APAC:11.0;EM:5.7;Other:1.2,Value:-0.4;Growth:+0.7;Quality:+0.1;Size:-0.8;Momentum:-0.4;LowVol:+0.3,NoDerivatives,10,35,5.5,trailing 8%,175,16.6,Bull,11.9,3.94,2.7,119,57,73,27,false,Rebalance,Shift +1% to bonds from equity,-3,-5,BrokerA,MKT,92,None,None,Normal monitoring,92,-1,69,4,false,Increase defensive factor exposure
P7508,Systematic,IRA,USD,2025-07-28,1905898,187443,1718455,1.0,58.8,23.8,11.0,6.5,IEF:33.3%;AMZN:33.3%;VOO:33.3%,US:65.2;EU:10.3;APAC:12.3;EM:9.0;Other:3.2,Value:+0.2;Growth:-0.4;Quality:-0.3;Size:+0.8;Momentum:+0.1;LowVol:-0.5,MaxPos7%,6,30,5.8,trailing 8%,176,22.0,Sideways,14.1,4.78,3.4,117,17,56,40,false,Rebalance,Shift +1% to bonds from equity,28,-7,BrokerD,VWAP,86,None,None,Normal monitoring,46,-21,106,3,false,Tax-aware sells next window
P7509,Systematic,401k,USD,2025-01-27,767845,69720,698125,1.0,59.3,33.3,1.2,6.2,GLD:21.6%;IEF:25.4%;MSFT:26.1%;HYG:27.0%,US:61.6;EU:16.4;APAC:11.6;EM:6.3;Other:4.1,Value:-0.1;Growth:-0.7;Quality:+0.6;Size:-0.8;Momentum:+0.8;LowVol:-0.5,,7,30,5.1,hard 12%,186,17.6,Bull,13.0,4.26,3.5,93,50,75,35,true,Hedge,Buy index puts 1% notional,32,-39,BrokerD,LMT,91,VAR>budget,Hedge,Risk above budget threshold,7,-19,30,4,false,Tax-aware sells next window
P7510,Active,Taxable,USD,2025-01-24,2032928,135007,1897921,1.0,59.3,21.4,13.4,5.9,MSFT:33.3%;AAPL:33.3%;MUB:33.3%,US:71.4;EU:13.0;APAC:6.0;EM:6.8;Other:2.9,Value:-0.6;Growth:+0.3;Quality:+0.4;Size:-0.5;Momentum:-0.7;LowVol:+0.7,MaxPos5%;NoDerivatives,5,35,4.1,trailing 8%,180,22.2,Volatile,24.2,4.72,2.9,132,20,61,71,true,Reduce,"Cut high-beta by 2-3%, add cash",-5,-6,BrokerA,LMT,92,VAR>budget,Hedge,Risk above budget threshold,95,15,231,4,false,Tighten stops on momentum names
P7511,Cautious,Roth,USD,2025-04-14,732001,83947,648054,1.0,46.8,30.5,11.5,11.2,GLD:33.3%;HYG:33.3%;QQQ:33.3%,US:71.6;EU:4.7;APAC:11.2;EM:9.9;Other:2.6,Value:+0.1;Growth:-0.4;Quality:-0.1;Size:+0.8;Momentum:-0.8;LowVol:+0.3,ESGOnly;MaxPos8%;NoMargin,10,30,4.3,hard 10%,147,16.5,Bull,12.0,4.35,3.0,89,9,58,31,false,Rebalance,Shift +1% to bonds from equity,-9,14,BrokerC,VWAP,92,None,None,Normal monitoring,-49,-52,1,4,false,Tax-aware sells next window
P7512,Active,IRA,USD,2025-04-21,623037,59713,563324,1.0,59.7,30.3,0.9,9.0,VNQ:22.5%;HYG:22.5%;MUB:21.8%;MSFT:22.0%;TLT:11.3%,US:64.7;EU:15.7;APAC:7.3;EM:8.5;Other:3.7,Value:-0.5;Growth:-0.2;Quality:+0.8;Size:-0.2;Momentum:+0.9;LowVol:+0.5,,5,35,4.8,trailing 8%,154,19.7,Bear,30.4,3.09,2.9,204,-49,18,70,false,Rebalance,Shift +1% to bonds from equity,25,-29,BrokerA,MKT,94,None,None,Normal monitoring,63,-19,41,4,false,Increase defensive factor exposure
P7513,Active,IRA,USD,2025-10-27,1195346,126215,1069131,1.0,68.1,26.1,0.0,5.8,GLD:26.4%;VOO:20.9%;QQQ:26.4%;BRK.B:26.4%,US:55.3;EU:19.1;APAC:11.0;EM:11.9;Other:2.7,Value:+0.6;Growth:+0.1;Quality:0.0;Size:+0.9;Momentum:-0.6;LowVol:-0.4,MaxPos7%,8,30,5.0,hard 12%,178,20.6,Bull,12.3,3.62,2.5,89,12,56,54,false,Buy,Add to core equity +1%,-11,15,BrokerA,LMT,93,None,None,Normal monitoring,-28,15,63,3,false,Tax-aware sells next window
P7514,Hands-off,Trust,USD,2024-09-07,677732,63061,614671,1.0,56.5,28.3,5.8,9.4,BND:13.9%;VTI:14.9%;GLD:21.7%;HYG:11.1%;BRK.B:20.5%;TSLA:17.9%,US:62.7;EU:14.3;APAC:12.8;EM:6.7;Other:3.6,Value:+0.5;Growth:-0.5;Quality:+0.9;Size:+1.0;Momentum:+0.4;LowVol:+0.7,ESGOnly,10,30,4.4,trailing 8%,118,19.1,Bear,28.2,4.37,1.1,205,-59,20,77,true,Hedge,Buy index puts 1% notional,10,-36,BrokerD,VWAP,87,Drift>tolerance,Hedge,Allocation drift beyond policy bands,58,-7,171,4,false,Within IPS guidelines
P7515,Opportunistic,IRA,USD,2025-11-03,668628,59286,609342,1.0,67.3,19.3,8.3,5.1,AMZN:20.8%;VTI:20.2%;MSFT:13.7%;BND:20.8%;MUB:16.8%;HYG:7.8%,US:64.6;EU:9.9;APAC:8.6;EM:12.0;Other:5.0,Value:-0.4;Growth:-0.5;Quality:+0.3;Size:-0.8;Momentum:+0.4;LowVol:+0.2,MaxPos6%,7,25,6.5,trailing 7%,183,32.2,Sideways,14.7,3.89,2.9,126,-15,40,42,false,Buy,Add to core equity +1%,6,5,BrokerA,MKT,96,None,None,Normal monitoring,-32,18,-11,4,false,Monitor dispersion and breadth
P7516,Active,IRA,USD,2025-11-04,730868,75527,655341,1.0,61.5,29.8,0.0,8.7,BND:14.8%;BRK.B:10.7%;HYG:21.6%;MSFT:18.4%;TLT:21.6%;MUB:12.8%,US:65.7;EU:9.2;APAC:13.3;EM:8.9;Other:2.9,Value:-0.9;Growth:+0.8;Quality:+0.4;Size:+0.7;Momentum:-0.5;LowVol:+0.8,,5,30,4.7,trailing 8%,145,26.4,Volatile,21.9,4.66,4.1,126,-45,25,52,false,Rebalance,Shift +1% to bonds from equity,14,10,BrokerB,LMT,87,None,None,Normal monitoring,68,-40,151,4,false,Tighten stops on momentum names
P7517,Hands-off,IRA,USD,2024-11-11,320453,18001,302452,1.0,58.5,16.1,18.8,6.6,MUB:24.1%;TSLA:25.3%;AMZN:25.3%;BRK.B:25.3%,US:60.5;EU:16.5;APAC:8.9;EM:10.2;Other:3.9,Value:+0.2;Growth:+0.7;Quality:+0.1;Size:+0.8;Momentum:+0.5;LowVol:-0.6,,5,35,5.7,trailing 8%,168,17.3,Sideways,15.1,4.54,2.8,118,51,82,47,false,Sell,Trim extended winner -1%,2,-37,BrokerD,MKT,87,None,None,Normal monitoring,87,10,145,4,false,Increase defensive factor exposure
P7518,Cautious,Roth,USD,2025-06-22,166157,18256,147901,1.0,50.2,38.0,0.0,11.8,HYG:18.7%;TSLA:24.5%;MSFT:17.1%;VNQ:24.5%;VOO:15.2%,US:59.1;EU:11.4;APAC:13.5;EM:10.8;Other:5.1,Value:-0.5;Growth:-0.6;Quality:-0.2;Size:+0.6;Momentum:+0.8;LowVol:-0.6,NoMargin,7,30,5.4,hard 10%,117,14.9,Bull,13.3,3.83,2.6,114,60,65,34,false,Buy,Add to core equity +1%,-5,14,BrokerD,LMT,95,None,None,Normal monitoring,-28,-46,-34,4,false,Increase defensive factor exposure
P7519,Hands-off,Taxable,USD,2025-03-29,425286,34968,390318,1.0,67.4,25.5,0.0,7.1,MSFT:19.2%;TSLA:26.9%;IEF:26.9%;MUB:26.9%,US:58.1;EU:20.0;APAC:12.4;EM:7.2;Other:2.4,Value:-0.1;Growth:-0.2;Quality:-0.6;Size:-0.2;Momentum:-0.4;LowVol:-0.8,NoDerivatives,7,30,4.8,hard 10%,131,14.7,Bull,18.0,4.6,2.4,77,109,95,65,true,Rebalance,Rebalance back to target bands,1,-25,BrokerC,LMT,98,RegimeShift,TightenStops,Volatility spike and breadth deterioration,-20,-9,45,3,true,Within IPS guidelines
P7520,Hands-off,IRA,USD,2025-01-19,381068,15530,365538,1.0,64.0,27.2,0.0,8.8,AMZN:22.0%;GLD:11.9%;MSFT:22.0%;TLT:11.0%;HYG:13.9%;XLF:19.4%,US:71.6;EU:9.9;APAC:8.8;EM:8.5;Other:1.1,Value:-0.4;Growth:+0.6;Quality:-0.9;Size:-0.9;Momentum:+0.8;LowVol:+0.4,,7,35,4.2,trailing 10%,147,17.6,Bull,14.3,3.53,2.8,91,29,78,42,false,Rebalance,Shift +1% to bonds from equity,16,-12,BrokerA,MKT,97,None,None,Normal monitoring,-56,-48,61,5,false,Tax-aware sells next window
P7521,Cautious,Taxable,USD,2024-07-21,388260,39850,348410,1.0,36.4,31.6,19.0,13.0,GLD:24.1%;AAPL:14.5%;XLF:24.1%;VTI:13.1%;BRK.B:24.1%,US:62.4;EU:17.1;APAC:11.3;EM:7.4;Other:1.9,Value:-0.5;Growth:-0.8;Quality:-0.2;Size:+0.9;Momentum:-0.8;LowVol:-0.0,ESGOnly;NoDerivatives;NoMargin,10,25,5.3,trailing 8%,158,19.8,Volatile,29.4,5.21,3.7,168,15,45,54,true,Reduce,"Cut high-beta by 2-3%, add cash",24,-30,BrokerB,LMT,93,Drift>tolerance,Reduce,Allocation drift beyond policy bands,28,-48,128,4,false,Increase defensive factor exposure
P7522,Cautious,Trust,USD,2024-11-27,824599,104848,719751,1.0,45.7,33.8,10.1,10.4,GLD:27.4%;AAPL:27.4%;VNQ:27.4%;QQQ:17.8%,US:71.1;EU:13.5;APAC:9.4;EM:5.8;Other:0.2,Value:+0.3;Growth:+1.0;Quality:-0.4;Size:-0.7;Momentum:+0.4;LowVol:-0.2,ESGOnly;MaxPos6%;NoMargin,10,30,5.7,trailing 8%,100,14.5,Bear,29.9,3.35,2.4,181,-15,48,59,false,Buy,Add to core equity +1%,-14,4,BrokerC,LMT,99,None,None,Normal monitoring,31,-10,5,5,false,Monitor dispersion and breadth
P7523,Cautious,Roth,USD,2025-03-15,885649,139768,745881,1.0,36.9,33.8,13.2,16.1,TLT:21.5%;VOO:22.1%;BRK.B:22.1%;IEF:14.1%;BND:20.3%,US:65.2;EU:13.9;APAC:11.0;EM:8.0;Other:2.0,Value:-0.1;Growth:-0.6;Quality:-0.0;Size:-0.2;Momentum:+0.5;LowVol:-1.0,NoMargin,7,25,3.2,trailing 10%,111,16.0,Sideways,14.3,4.82,2.5,111,41,84,20,false,Sell,Trim extended winner -1%,-9,-2,BrokerD,MKT,93,None,None,Normal monitoring,-38,-6,44,3,false,Tax-aware sells next window
P7524,Active,401k,USD,2025-04-24,891451,84327,807124,1.12,69.0,23.1,0.0,7.9,TLT:12.7%;XLF:23.7%;QQQ:23.7%;AMZN:23.7%;HYG:16.1%,US:67.7;EU:17.0;APAC:6.9;EM:6.5;Other:1.9,Value:+0.7;Growth:+0.4;Quality:-0.8;Size:+0.9;Momentum:-0.5;LowVol:+0.5,NoDerivatives,7,25,5.2,trailing 8%,226,22.6,Bull,15.4,4.76,3.3,93,71,78,49,false,Rebalance,Shift +1% to bonds from equity,10,-17,BrokerD,LMT,88,None,None,Normal monitoring,-26,-5,56,3,false,Increase defensive factor exposure
P7525,Opportunistic,Taxable,USD,2025-11-01,1011475,73863,937612,1.15,70.6,12.1,9.6,7.7,GLD:14.4%;BRK.B:10.0%;IEF:21.2%;TLT:21.7%;TSLA:11.0%;QQQ:21.7%,US:65.1;EU:13.8;APAC:10.9;EM:5.6;Other:4.6,Value:+0.1;Growth:+0.7;Quality:-0.4;Size:+0.5;Momentum:-0.1;LowVol:+0.7,,7,25,5.0,hard 12%,166,28.3,Volatile,27.4,4.78,3.4,168,35,82,75,true,Rebalance,Rebalance back to target bands,-3,7,BrokerD,LMT,89,VAR>budget,TightenStops,Risk above budget threshold,37,-25,147,2,true,Monitor dispersion and breadth
P7526,Cautious,IRA,USD,2024-11-04,233040,22957,210083,1.0,47.7,31.1,3.8,17.4,TLT:13.2%;QQQ:22.6%;AMZN:12.8%;AAPL:8.4%;MUB:20.4%;HYG:22.6%,US:63.0;EU:7.8;APAC:14.6;EM:11.1;Other:3.6,Value:+0.9;Growth:+0.1;Quality:-0.6;Size:-0.2;Momentum:-0.1;LowVol:+1.0,NoMargin,5,35,3.1,trailing 8%,156,15.0,Volatile,24.5,4.98,4.5,142,-6,44,50,false,NoAction,Within bands; monitor,22,-8,BrokerB,MKT,0,None,None,Normal monitoring,95,-43,193,5,false,Tighten stops on momentum names
P7527,Active,401k,USD,2025-07-12,2449206,194096,2255110,1.09,53.5,32.0,9.0,5.5,BND:12.4%;TSLA:23.6%;HYG:23.6%;GLD:23.2%;MSFT:17.2%,US:61.4;EU:19.6;APAC:6.6;EM:7.9;Other:4.6,Value:-0.6;Growth:-0.0;Quality:-0.9;Size:-0.1;Momentum:-0.2;LowVol:-0.4,,8,25,5.7,hard 12%,192,25.3,Volatile,21.9,4.58,3.1,135,-49,39,61,false,Buy,Add to core equity +1%,1,-37,BrokerD,LMT,89,None,None,Normal monitoring,18,-5,8,4,false,Tax-aware sells next window
P7528,Hands-off,401k,USD,2025-12-25,751012,37507,713505,1.0,67.7,26.0,0.0,6.3,VNQ:13.8%;AMZN:13.8%;HYG:23.6%;QQQ:24.4%;BRK.B:24.4%,US:73.5;EU:5.6;APAC:12.3;EM:5.7;Other:2.9,Value:+0.3;Growth:-0.6;Quality:+0.3;Size:+0.3;Momentum:-0.2;LowVol:+0.3,ESGOnly;MaxPos5%;NoDerivatives,7,35,3.7,hard 10%,126,19.7,Bear,34.3,3.22,2.0,140,-101,5,99,true,Hedge,Buy index puts 1% notional,8,-39,BrokerC,LMT,94,VAR>budget,Hedge,Risk above budget threshold,25,-30,160,5,false,Tighten stops on momentum names
P7529,Systematic,Trust,USD,2024-10-05,1698417,158771,1539646,1.0,66.3,27.5,0.9,5.3,VTI:33.3%;IEF:33.3%;VNQ:33.3%,US:66.1;EU:12.7;APAC:6.2;EM:11.3;Other:3.6,Value:+1.0;Growth:-0.5;Quality:-0.9;Size:-0.8;Momentum:+0.2;LowVol:+0.7,NoDerivatives,7,35,4.1,trailing 9%,151,22.2,Bear,23.4,4.04,2.4,148,-22,24,76,true,Rebalance,Rebalance back to target bands,-2,-14,BrokerA,LMT,89,RegimeShift,Hedge,Volatility spike and breadth deterioration,-26,-16,69,3,false,Within IPS guidelines
P7530,Active,IRA,USD,2025-08-04,899632,82951,816681,1.0,57.3,22.7,13.1,6.8,VNQ:15.5%;BND:24.2%;AAPL:17.0%;QQQ:24.2%;GLD:19.2%,US:52.1;EU:17.1;APAC:15.0;EM:10.7;Other:5.1,Value:+0.8;Growth:-0.5;Quality:+0.2;Size:+0.3;Momentum:+0.5;LowVol:+0.6,,5,30,4.2,trailing 9%,218,24.6,Volatile,26.3,4.35,2.8,133,-34,47,63,false,Sell,Trim extended winner -1%,-5,9,BrokerA,MKT,96,None,None,Normal monitoring,-28,-14,9,3,false,Increase defensive factor exposure
P7531,Hands-off,Trust,USD,2024-08-30,357740,30515,327225,1.0,65.3,20.4,8.9,5.4,QQQ:22.1%;MSFT:18.7%;TLT:14.8%;VOO:23.6%;VTI:20.7%,US:60.5;EU:16.9;APAC:13.6;EM:6.0;Other:2.9,Value:-0.9;Growth:0.0;Quality:+0.9;Size:+0.7;Momentum:-0.6;LowVol:-0.6,NoDerivatives,10,35,4.9,trailing 8%,131,13.7,Sideways,14.2,3.85,2.3,123,31,58,54,false,Rebalance,Shift +1% to bonds from equity,1,-9,BrokerA,VWAP,97,None,None,Normal monitoring,78,-52,160,4,false,Monitor dispersion and breadth
P7532,Active,Taxable,USD,2025-03-02,980602,68895,911707,1.0,58.2,25.7,6.9,9.1,TSLA:21.5%;MUB:9.0%;VOO:20.0%;QQQ:19.2%;AAPL:8.8%;TLT:21.5%,US:54.5;EU:18.7;APAC:14.3;EM:10.5;Other:1.9,Value:-0.4;Growth:-0.4;Quality:-0.9;Size:+0.8;Momentum:+0.9;LowVol:+0.8,MaxPos6%,8,35,5.9,trailing 8%,165,26.2,Bear,22.3,3.53,1.1,216,39,80,56,false,Rebalance,Shift +1% to bonds from equity,24,10,BrokerB,VWAP,86,None,None,Normal monitoring,109,4,171,5,false,Monitor dispersion and breadth
P7533,Systematic,Trust,USD,2024-12-18,821443,48764,772679,1.0,57.9,22.8,11.3,7.9,BND:23.0%;AMZN:23.0%;VOO:8.8%;HYG:23.0%;BRK.B:22.3%,US:65.3;EU:18.0;APAC:9.2;EM:3.7;Other:3.8,Value:-0.1;Growth:-0.3;Quality:-0.2;Size:-0.6;Momentum:+0.3;LowVol:-0.3,NoDerivatives,5,30,5.6,hard 12%,219,21.0,Bull,17.2,4.77,3.2,105,104,90,47,false,Rebalance,Shift +1% to bonds from equity,22,-26,BrokerA,LMT,87,None,None,Normal monitoring,-32,-24,-60,5,false,Within IPS guidelines
P7534,Systematic,401k,USD,2024-11-11,1287695,56976,1230719,1.0,62.5,23.6,4.5,9.4,AAPL:5.9%;TLT:12.5%;TSLA:18.9%;VOO:20.9%;VTI:20.9%;MSFT:20.9%,US:55.1;EU:20.4;APAC:11.4;EM:10.1;Other:3.0,Value:+0.7;Growth:-0.0;Quality:+0.1;Size:+0.7;Momentum:-0.7;LowVol:-0.8,,8,35,5.9,hard 12%,134,20.4,Volatile,29.7,4.6,3.6,176,31,54,82,true,Reduce,"Cut high-beta by 2-3%, add cash",2,-8,BrokerC,LMT,90,VAR>budget,Hedge,Risk above budget threshold,48,-53,121,3,false,Monitor dispersion and breadth
P7535,Cautious,Taxable,USD,2025-02-02,239268,23674,215594,1.0,36.5,33.3,17.5,12.7,QQQ:26.8%;XLF:20.9%;HYG:29.8%;VOO:22.4%,US:67.3;EU:7.6;APAC:11.4;EM:11.7;Other:1.9,Value:+0.9;Growth:-0.0;Quality:-0.2;Size:+0.7;Momentum:-0.4;LowVol:+0.2,ESGOnly;NoDerivatives;NoMargin,10,30,3.2,hard 10%,96,13.0,Sideways,21.9,3.94,2.7,102,54,76,48,false,Buy,Add to core equity +1%,27,-19,BrokerA,MKT,90,None,None,Normal monitoring,-44,9,-39,3,false,Increase defensive factor exposure
P7536,Systematic,IRA,USD,2025-04-10,1863556,94118,1769438,1.0,55.0,22.4,16.4,6.2,MSFT:33.3%;BRK.B:33.3%;AAPL:33.3%,US:67.4;EU:15.8;APAC:5.6;EM:10.4;Other:0.9,Value:-0.3;Growth:-0.5;Quality:-0.4;Size:-1.0;Momentum:-0.3;LowVol:+0.9,,10,35,5.2,trailing 8%,208,17.0,Volatile,27.6,4.03,2.8,167,80,84,74,true,Reduce,"Cut high-beta by 2-3%, add cash",22,-5,BrokerD,VWAP,93,VAR>budget,Reduce,Risk above budget threshold,118,-59,120,4,false,Tighten stops on momentum names
P7537,Systematic,Trust,USD,2025-03-02,1348041,129798,1218243,1.0,55.2,30.5,7.1,7.3,MSFT:34.8%;XLF:30.5%;VOO:34.8%,US:66.6;EU:13.6;APAC:6.3;EM:9.0;Other:4.4,Value:+0.5;Growth:+0.2;Quality:+0.1;Size:+0.4;Momentum:-1.0;LowVol:-0.5,,10,35,4.2,trailing 8%,207,27.2,Volatile,24.8,4.57,3.7,142,-20,47,62,false,Rebalance,Shift +1% to bonds from equity,28,-11,BrokerD,MKT,88,None,None,Normal monitoring,-59,-54,-97,3,false,Within IPS guidelines
P7538,Systematic,Trust,USD,2025-08-23,1348920,120761,1228159,1.0,55.1,22.7,14.7,7.5,GLD:26.4%;HYG:20.8%;IEF:26.4%;MSFT:26.4%,US:63.2;EU:8.7;APAC:15.6;EM:11.7;Other:0.7,Value:+0.9;Growth:+0.4;Quality:+0.2;Size:-0.1;Momentum:-0.0;LowVol:+0.6,,10,25,4.8,trailing 9%,187,27.1,Bear,28.0,3.25,1.6,167,-115,5,76,true,Rebalance,Rebalance back to target bands,18,-38,BrokerD,MKT,87,RegimeShift,Pause,Volatility spike and breadth deterioration,62,-7,52,4,false,Tax-aware sells next window
P7539,Cautious,Trust,USD,2025-10-07,433951,34827,399124,1.0,35.1,40.1,9.2,15.6,QQQ:22.3%;GLD:9.6%;VNQ:16.6%;MUB:13.9%;MSFT:22.3%;BRK.B:15.2%,US:62.2;EU:12.3;APAC:13.2;EM:11.7;Other:0.5,Value:0.0;Growth:-0.1;Quality:+0.3;Size:+0.3;Momentum:+0.6;LowVol:-0.7,MaxPos8%;NoMargin,5,35,5.8,trailing 8%,136,13.4,Volatile,20.2,4.07,3.8,114,59,92,44,false,NoAction,Within bands; monitor,10,-36,BrokerD,LMT,90,None,None,Normal monitoring,50,-3,80,4,false,Increase defensive factor exposure
P7540,Systematic,IRA,USD,2025-11-23,611090,60606,550484,1.0,65.6,25.7,0.0,8.8,QQQ:28.2%;VNQ:35.9%;MUB:35.9%,US:72.2;EU:10.1;APAC:8.0;EM:5.2;Other:4.5,Value:+0.2;Growth:-0.0;Quality:-0.9;Size:+0.4;Momentum:-0.7;LowVol:-0.4,MaxPos5%,6,30,5.4,hard 12%,139,25.4,Sideways,14.4,3.64,3.0,132,24,53,57,false,Hedge,Add TLT +1% as duration hedge,10,-5,BrokerD,LMT,97,None,None,Normal monitoring,67,3,170,4,false,Monitor dispersion and breadth
P7541,Active,Trust,USD,2025-07-05,1909155,119801,1789354,1.0,59.3,18.5,12.2,10.0,AAPL:29.6%;TSLA:35.2%;MUB:35.2%,US:66.8;EU:13.8;APAC:8.8;EM:9.7;Other:0.9,Value:+0.5;Growth:-0.3;Quality:+0.1;Size:+0.8;Momentum:-0.4;LowVol:+0.2,,8,25,5.2,trailing 9%,218,22.1,Volatile,31.1,3.7,3.4,171,-22,39,77,true,Reduce,"Cut high-beta by 2-3%, add cash",-5,-13,BrokerB,MKT,97,VAR>budget,Reduce,Risk above budget threshold,35,-2,85,5,false,Within IPS guidelines
P7542,Systematic,Trust,USD,2024-12-09,497826,20743,477083,1.0,55.3,33.0,6.5,5.1,TSLA:21.7%;VOO:13.5%;VTI:21.7%;BND:21.4%;HYG:21.7%,US:74.3;EU:12.7;APAC:8.1;EM:4.5;Other:0.4,Value:+0.5;Growth:+0.2;Quality:-0.2;Size:+0.1;Momentum:+0.3;LowVol:+0.4,MaxPos8%,8,30,5.0,trailing 9%,122,21.7,Bear,34.8,3.36,1.8,186,-61,15,90,true,Rebalance,Rebalance back to target bands,0,-7,BrokerC,VWAP,97,VAR>budget,Hedge,Risk above budget threshold,51,-23,69,3,false,Tax-aware sells next window
P7543,Active,Roth,USD,2025-05-04,2486695,157022,2329673,1.0,69.2,21.3,2.1,7.3,VOO:13.6%;XLF:11.6%;TLT:17.7%;AMZN:21.0%;QQQ:18.7%;TSLA:17.5%,US:67.9;EU:13.6;APAC:11.0;EM:4.2;Other:3.4,Value:-0.3;Growth:+0.2;Quality:-0.7;Size:-0.1;Momentum:-0.0;LowVol:+0.7,NoDerivatives,7,35,5.8,trailing 9%,172,18.6,Sideways,18.0,3.91,2.4,91,29,68,47,false,Buy,Add to core equity +1%,13,-39,BrokerB,MKT,96,None,None,Normal monitoring,102,-33,232,3,false,Increase defensive factor exposure
P7544,Active,Roth,USD,2025-06-20,2405213,228383,2176830,1.0,58.3,22.3,13.5,5.9,GLD:25.0%;QQQ:25.0%;MSFT:25.0%;BRK.B:25.0%,US:67.4;EU:15.9;APAC:9.2;EM:5.7;Other:1.9,Value:-0.5;Growth:+0.3;Quality:+0.1;Size:+1.0;Momentum:-0.7;LowVol:-0.1,MaxPos5%,6,30,5.7,trailing 8%,205,25.5,Bull,12.7,4.05,2.8,109,22,57,46,true,Rebalance,Rebalance back to target bands,9,-39,BrokerD,LMT,86,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-45,-24,-63,4,false,Increase defensive factor exposure
P7545,Cautious,401k,USD,2025-12-07,260388,39593,220795,1.0,42.6,41.3,0.0,16.0,VOO:16.6%;MSFT:16.4%;GLD:22.3%;TSLA:7.4%;VTI:22.3%;QQQ:15.1%,US:57.5;EU:19.0;APAC:8.0;EM:10.1;Other:5.4,Value:-0.1;Growth:+0.9;Quality:+0.9;Size:+0.7;Momentum:+0.6;LowVol:-0.9,ESGOnly;NoMargin,10,25,3.9,trailing 8%,101,17.5,Volatile,29.8,4.51,2.2,167,72,71,59,false,Hedge,Add TLT +1% as duration hedge,-14,-34,BrokerB,LMT,96,None,None,Normal monitoring,-44,-50,-51,4,false,Within IPS guidelines
P7546,Active,Taxable,USD,2024-09-09,1567684,98727,1468957,1.0,57.0,26.0,10.6,6.5,MUB:33.3%;TSLA:33.3%;XLF:33.3%,US:70.3;EU:7.1;APAC:7.9;EM:10.1;Other:4.6,Value:-0.3;Growth:-0.2;Quality:-1.0;Size:+0.2;Momentum:-0.1;LowVol:-0.6,MaxPos6%;NoDerivatives,6,25,5.4,trailing 8%,160,22.2,Bull,14.8,4.95,3.3,116,111,100,43,true,Rebalance,Rebalance back to target bands,24,-13,BrokerB,MKT,96,VAR>budget,Hedge,Risk above budget threshold,-54,-55,14,4,false,Tax-aware sells next window
P7547,Cautious,Trust,USD,2025-04-07,588370,47362,541008,1.0,40.6,40.5,1.1,17.8,VOO:33.3%;TSLA:33.3%;HYG:33.3%,US:67.1;EU:7.7;APAC:11.2;EM:7.8;Other:6.2,Value:-0.1;Growth:+0.6;Quality:-0.3;Size:+0.1;Momentum:+0.4;LowVol:-0.2,ESGOnly;NoDerivatives;NoMargin,8,30,3.4,hard 10%,95,17.5,Bear,30.3,3.71,2.9,219,-117,5,60,false,Buy,Add to core equity +1%,31,-20,BrokerA,LMT,89,None,None,Normal monitoring,66,-40,113,3,false,Within IPS guidelines
P7548,Active,IRA,USD,2024-08-08,1565463,183768,1381695,1.0,63.0,29.0,0.0,8.0,TLT:11.7%;VTI:29.4%;GLD:29.4%;AAPL:29.4%,US:62.8;EU:13.0;APAC:12.4;EM:10.5;Other:1.2,Value:0.0;Growth:+0.6;Quality:+0.6;Size:-0.1;Momentum:+0.1;LowVol:-0.3,,8,25,5.1,trailing 8%,178,20.7,Sideways,21.4,3.58,3.1,95,-22,26,61,false,Sell,Trim extended winner -1%,-4,-19,BrokerA,VWAP,95,None,None,Normal monitoring,39,-34,133,3,false,Tighten stops on momentum names
P7549,Hands-off,Taxable,USD,2025-02-16,598024,46293,551731,1.0,55.8,21.3,14.7,8.1,AAPL:33.3%;AMZN:33.3%;IEF:33.3%,US:63.4;EU:10.8;APAC:13.5;EM:10.0;Other:2.3,Value:-0.1;Growth:+0.3;Quality:-0.4;Size:-0.2;Momentum:-0.7;LowVol:-0.6,ESGOnly;MaxPos8%;NoDerivatives,10,35,5.4,hard 10%,110,17.0,Sideways,17.8,4.26,2.7,124,-13,28,55,false,Sell,Trim extended winner -1%,21,7,BrokerC,MKT,93,None,None,Normal monitoring,-27,-44,-29,3,false,Tax-aware sells next window
P7550,Cautious,Trust,USD,2025-06-15,397367,52748,344619,1.0,52.9,30.2,6.8,10.2,VTI:10.4%;MUB:8.8%;TSLA:22.9%;VOO:12.1%;TLT:22.9%;QQQ:22.9%,US:68.9;EU:11.3;APAC:7.0;EM:8.6;Other:4.3,Value:+0.9;Growth:+0.8;Quality:+0.2;Size:-0.8;Momentum:-0.5;LowVol:-0.5,ESGOnly;NoMargin,7,30,3.7,trailing 10%,136,15.7,Bull,11.9,4.06,3.3,103,116,100,29,false,NoAction,Within bands; monitor,-4,-21,BrokerD,LMT,88,None,None,Normal monitoring,-48,-40,77,5,false,Increase defensive factor exposure
P7551,Active,IRA,USD,2025-04-09,1353276,108280,1244996,1.0,53.5,27.0,13.0,6.5,QQQ:14.3%;MUB:18.4%;TSLA:12.9%;BRK.B:14.1%;AAPL:20.2%;TLT:20.2%,US:66.7;EU:11.5;APAC:8.7;EM:9.0;Other:4.1,Value:-0.0;Growth:+0.1;Quality:-1.0;Size:+0.9;Momentum:-0.4;LowVol:+0.4,MaxPos8%,5,25,4.9,trailing 9%,125,22.7,Sideways,21.1,4.65,2.2,123,23,75,52,false,Hedge,Add TLT +1% as duration hedge,-13,2,BrokerB,LMT,96,None,None,Normal monitoring,98,-2,192,4,false,Increase defensive factor exposure
P7552,Opportunistic,Roth,USD,2025-11-27,1703555,55957,1647598,1.0,74.0,12.5,6.0,7.6,XLF:8.1%;MSFT:13.2%;AMZN:22.5%;BRK.B:22.5%;GLD:22.5%;MUB:11.1%,US:68.7;EU:9.1;APAC:16.6;EM:4.1;Other:1.5,Value:+0.9;Growth:-0.3;Quality:-0.3;Size:-0.8;Momentum:-0.8;LowVol:+0.2,,6,30,4.1,trailing 7%,265,33.0,Sideways,20.5,4.82,2.6,138,-24,33,73,true,Rebalance,Rebalance back to target bands,6,-28,BrokerB,MKT,100,VAR>budget,Pause,Risk above budget threshold,36,-59,21,2,false,Tighten stops on momentum names
P7553,Hands-off,Taxable,USD,2024-10-14,852756,83557,769199,1.0,68.8,26.3,0.0,4.8,AMZN:22.8%;MUB:25.7%;IEF:25.7%;VNQ:25.7%,US:58.7;EU:19.1;APAC:9.4;EM:9.5;Other:3.4,Value:-0.6;Growth:-1.0;Quality:+0.3;Size:+0.2;Momentum:-0.7;LowVol:+0.9,,6,35,4.8,trailing 8%,164,18.7,Bear,31.8,3.59,1.4,203,-69,9,89,true,Rebalance,Rebalance back to target bands,16,-28,BrokerA,VWAP,94,Drift>tolerance,Reduce,Allocation drift beyond policy bands,58,-57,21,2,false,Tax-aware sells next window
P7554,Cautious,Roth,USD,2025-10-10,209847,26704,183143,1.0,44.7,41.1,0.2,14.0,VNQ:22.5%;TSLA:22.5%;BND:22.5%;MUB:21.6%;MSFT:11.0%,US:72.6;EU:8.0;APAC:7.4;EM:11.7;Other:0.4,Value:-0.8;Growth:-0.7;Quality:+0.8;Size:-0.2;Momentum:-0.0;LowVol:+0.1,ESGOnly;MaxPos8%;NoMargin,8,30,4.4,trailing 8%,114,17.4,Bull,15.8,3.63,3.4,103,67,96,38,false,Sell,Trim extended winner -1%,-7,-13,BrokerA,MKT,92,None,None,Normal monitoring,56,-7,128,4,false,Within IPS guidelines
P7555,Active,IRA,USD,2025-04-16,891196,78793,812403,1.21,56.2,31.2,4.3,8.3,MSFT:34.5%;BND:34.5%;VOO:31.0%,US:65.8;EU:15.4;APAC:13.4;EM:5.0;Other:0.4,Value:-1.0;Growth:-0.5;Quality:+0.1;Size:+0.9;Momentum:-0.5;LowVol:-0.1,,10,25,5.5,trailing 8%,126,19.4,Bull,15.6,4.07,2.4,94,65,88,49,false,Rebalance,Shift +1% to bonds from equity,9,-29,BrokerD,VWAP,87,None,None,Normal monitoring,71,-47,142,3,false,Tighten stops on momentum names
P7556,Hands-off,Trust,USD,2025-04-29,570371,23802,546569,1.0,68.4,21.4,0.3,9.9,IEF:15.2%;HYG:21.4%;TLT:17.9%;MUB:11.2%;VTI:21.4%;BRK.B:12.9%,US:65.4;EU:15.8;APAC:11.6;EM:4.7;Other:2.5,Value:+0.2;Growth:-0.0;Quality:-0.1;Size:-0.4;Momentum:-0.4;LowVol:0.0,ESGOnly;MaxPos6%,5,25,4.2,trailing 8%,115,18.0,Bull,14.6,3.8,3.2,96,9,56,44,false,Buy,Add to core equity +1%,-9,13,BrokerB,MKT,91,None,None,Normal monitoring,50,-35,55,5,false,Within IPS guidelines
P7557,Active,Trust,USD,2025-07-13,746569,70988,675581,1.0,63.6,21.7,9.1,5.6,VOO:26.5%;GLD:20.4%;AAPL:26.5%;VNQ:26.5%,US:69.6;EU:11.0;APAC:6.5;EM:10.3;Other:2.6,Value:-0.5;Growth:-0.8;Quality:-1.0;Size:+0.2;Momentum:-0.6;LowVol:+0.9,,10,30,5.0,hard 12%,127,26.7,Bull,17.9,3.62,2.1,73,111,100,63,false,Rebalance,Shift +1% to bonds from equity,15,-15,BrokerD,LMT,97,None,None,Normal monitoring,-19,15,96,5,false,Tax-aware sells next window
P7558,Active,Trust,USD,2025-10-17,763264,63963,699301,1.0,67.1,24.7,0.0,8.3,IEF:22.1%;TLT:22.1%;VNQ:10.2%;MSFT:22.1%;QQQ:10.6%;AMZN:12.8%,US:79.2;EU:8.3;APAC:5.8;EM:3.5;Other:3.2,Value:+0.1;Growth:+0.1;Quality:+0.1;Size:-0.9;Momentum:-0.1;LowVol:+0.9,MaxPos7%,6,25,4.5,hard 12%,189,17.1,Volatile,21.6,3.84,3.2,157,-11,37,62,false,Rebalance,Shift +1% to bonds from equity,8,-25,BrokerB,LMT,97,None,None,Normal monitoring,89,-6,61,5,false,Tighten stops on momentum names
P7559,Opportunistic,401k,USD,2025-03-02,395696,16940,378756,1.0,65.5,18.5,8.2,7.8,IEF:26.2%;XLF:21.5%;GLD:26.2%;QQQ:26.2%,US:64.1;EU:13.4;APAC:15.8;EM:6.6;Other:0.2,Value:+0.9;Growth:-0.8;Quality:+0.9;Size:+0.5;Momentum:-0.3;LowVol:+0.5,NoDerivatives,5,25,4.1,trailing 9%,219,30.7,Bull,15.0,4.31,2.8,107,6,61,47,false,Rebalance,Shift +1% to bonds from equity,11,9,BrokerC,MKT,88,None,None,Normal monitoring,45,-1,179,5,false,Monitor dispersion and breadth
P7560,Opportunistic,Trust,USD,2025-10-28,1016951,48783,968168,1.0,67.9,16.9,9.5,5.8,VNQ:22.9%;BRK.B:20.9%;IEF:22.9%;VOO:12.6%;AAPL:9.0%;MUB:11.7%,US:69.9;EU:14.7;APAC:8.0;EM:7.1;Other:0.2,Value:-0.0;Growth:-0.1;Quality:+0.2;Size:-0.8;Momentum:-0.0;LowVol:-0.6,MaxPos5%;NoDerivatives,10,25,6.7,trailing 9%,179,32.2,Bull,16.8,4.15,3.4,106,46,81,44,false,Sell,Trim extended winner -1%,19,-22,BrokerB,LMT,90,None,None,Normal monitoring,-52,3,37,4,false,Tighten stops on momentum names
P7561,Hands-off,Taxable,USD,2024-07-16,171398,9827,161571,1.0,63.2,19.9,8.4,8.5,MUB:37.5%;VNQ:25.0%;XLF:37.5%,US:66.5;EU:11.9;APAC:14.0;EM:5.2;Other:2.3,Value:-0.9;Growth:-0.1;Quality:-1.0;Size:-0.5;Momentum:+0.9;LowVol:+0.5,ESGOnly;MaxPos6%;NoDerivatives,10,30,5.1,trailing 8%,123,19.6,Bull,13.9,3.78,2.2,70,30,51,42,true,Reduce,"Cut high-beta by 2-3%, add cash",32,9,BrokerD,MKT,95,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-39,-44,-21,4,false,Increase defensive factor exposure
P7562,Active,Trust,USD,2025-05-21,1821308,199876,1621432,1.0,51.4,18.2,24.0,6.5,GLD:26.6%;MSFT:26.6%;VTI:26.6%;AAPL:20.2%,US:57.3;EU:16.0;APAC:11.4;EM:11.4;Other:3.9,Value:0.0;Growth:+0.7;Quality:-0.1;Size:+0.8;Momentum:-0.8;LowVol:+0.7,,8,30,4.6,hard 12%,154,26.5,Bull,12.7,3.6,2.2,86,41,81,34,false,NoAction,Within bands; monitor,29,-4,BrokerB,LMT,86,None,None,Normal monitoring,31,4,118,4,false,Tax-aware sells next window
P7563,Active,IRA,USD,2025-01-24,2311012,141824,2169188,1.22,52.4,27.9,13.5,6.2,BND:24.0%;TSLA:25.3%;MSFT:25.3%;MUB:25.3%,US:71.6;EU:9.0;APAC:7.1;EM:8.5;Other:3.8,Value:+0.5;Growth:+0.8;Quality:+0.1;Size:+0.8;Momentum:+0.8;LowVol:-0.3,MaxPos5%;NoDerivatives,6,35,5.0,hard 12%,140,16.6,Volatile,21.7,3.54,2.5,132,-36,31,62,false,Sell,Trim extended winner -1%,1,-38,BrokerD,LMT,90,None,None,Normal monitoring,-19,-58,1,3,false,Monitor dispersion and breadth
P7564,Hands-off,401k,USD,2024-10-13,705280,59344,645936,1.0,62.1,22.3,10.4,5.2,MUB:26.9%;MSFT:26.9%;TSLA:23.7%;IEF:22.5%,US:57.4;EU:16.6;APAC:16.2;EM:7.0;Other:2.8,Value:-0.9;Growth:-0.5;Quality:+0.6;Size:-0.1;Momentum:-0.1;LowVol:+1.0,MaxPos6%,8,30,3.2,hard 10%,155,14.9,Sideways,18.8,3.73,3.4,123,-15,29,46,false,NoAction,Within bands; monitor,24,-6,BrokerA,VWAP,87,None,None,Normal monitoring,56,10,18,5,false,Increase defensive factor exposure
P7565,Hands-off,Taxable,USD,2024-11-08,370713,23065,347648,1.0,56.2,26.9,11.7,5.1,AAPL:23.2%;TSLA:12.0%;BRK.B:23.2%;MUB:23.2%;VNQ:18.4%,US:59.7;EU:17.1;APAC:9.3;EM:10.4;Other:3.4,Value:+0.1;Growth:-0.2;Quality:-0.8;Size:+0.1;Momentum:+0.8;LowVol:-0.6,ESGOnly;MaxPos5%;NoDerivatives,5,35,3.6,trailing 10%,145,12.2,Bull,11.5,3.73,2.9,101,87,100,38,false,Hedge,Add TLT +1% as duration hedge,16,4,BrokerC,MKT,87,None,None,Normal monitoring,-9,12,79,5,false,Tighten stops on momentum names
P7566,Hands-off,Trust,USD,2024-11-24,826106,48838,777268,1.0,56.2,24.8,11.3,7.7,VNQ:33.3%;HYG:33.3%;GLD:33.3%,US:65.5;EU:16.9;APAC:4.7;EM:10.8;Other:2.1,Value:+0.4;Growth:0.0;Quality:-0.3;Size:-0.6;Momentum:-1.0;LowVol:+0.5,,6,25,4.9,trailing 8%,151,19.1,Bull,12.7,4.92,3.4,101,27,57,46,false,Hedge,Add TLT +1% as duration hedge,26,-25,BrokerD,MKT,92,None,None,Normal monitoring,-59,-8,-44,5,false,Monitor dispersion and breadth
P7567,Cautious,IRA,USD,2025-04-09,850306,118645,731661,1.0,44.1,41.4,1.0,13.5,TSLA:33.3%;QQQ:33.3%;XLF:33.3%,US:74.3;EU:14.5;APAC:6.1;EM:3.7;Other:1.3,Value:-0.2;Growth:-0.8;Quality:-0.0;Size:+0.5;Momentum:-0.7;LowVol:-0.7,ESGOnly;NoDerivatives;NoMargin,8,25,3.3,trailing 10%,157,13.6,Bull,17.6,4.47,2.2,97,65,80,33,true,Rebalance,Rebalance back to target bands,-6,-35,BrokerD,LMT,97,Drift>tolerance,Hedge,Allocation drift beyond policy bands,6,-28,31,5,false,Monitor dispersion and breadth
P7568,Cautious,Trust,USD,2024-08-08,470441,46288,424153,1.0,49.4,35.5,0.0,15.1,VTI:27.1%;AAPL:18.8%;MSFT:27.1%;MUB:27.1%,US:55.6;EU:15.7;APAC:15.9;EM:9.8;Other:3.0,Value:+0.3;Growth:-0.2;Quality:-0.7;Size:+0.7;Momentum:+0.8;LowVol:+0.9,ESGOnly;NoMargin,10,25,5.4,hard 10%,109,15.8,Sideways,20.6,4.65,2.1,102,59,72,48,true,Hedge,Buy index puts 1% notional,19,8,BrokerB,MKT,95,RegimeShift,Hedge,Volatility spike and breadth deterioration,40,-46,176,3,false,Monitor dispersion and breadth
P7569,Systematic,401k,USD,2024-07-08,1319536,101792,1217744,1.0,55.7,22.0,15.2,7.1,VOO:25.2%;HYG:25.2%;XLF:11.0%;QQQ:13.4%;TSLA:25.2%,US:73.6;EU:10.8;APAC:6.5;EM:8.8;Other:0.5,Value:-0.5;Growth:+0.7;Quality:+0.7;Size:-0.5;Momentum:-0.6;LowVol:-0.1,,7,35,4.2,hard 12%,129,21.9,Bull,13.4,4.07,3.2,97,74,73,33,false,Sell,Trim extended winner -1%,-10,-12,BrokerB,VWAP,99,None,None,Normal monitoring,20,4,15,5,false,Monitor dispersion and breadth
P7570,Active,401k,USD,2025-06-21,2091326,201913,1889413,1.17,56.9,27.1,6.9,9.1,VTI:8.5%;VNQ:18.3%;TSLA:22.1%;AMZN:22.1%;BND:19.4%;IEF:9.5%,US:64.2;EU:16.3;APAC:12.1;EM:3.6;Other:3.8,Value:+0.4;Growth:+0.2;Quality:+0.5;Size:+0.1;Momentum:-0.4;LowVol:-0.0,MaxPos7%,7,25,5.2,trailing 9%,139,22.5,Bull,11.4,4.33,2.3,112,62,93,45,false,Buy,Add to core equity +1%,25,-21,BrokerD,LMT,85,None,None,Normal monitoring,113,-8,120,4,false,Tighten stops on momentum names
P7571,Active,401k,USD,2025-10-25,1232075,79749,1152326,1.0,54.3,18.1,21.7,5.9,QQQ:13.0%;MUB:22.9%;GLD:22.9%;BND:18.9%;HYG:22.1%,US:60.7;EU:12.8;APAC:13.2;EM:9.2;Other:4.1,Value:-0.1;Growth:+0.3;Quality:+0.7;Size:+0.2;Momentum:+0.1;LowVol:-0.7,,6,35,5.9,trailing 9%,133,18.7,Bear,33.0,3.1,2.7,160,-111,5,73,true,Hedge,Buy index puts 1% notional,17,-21,BrokerC,MKT,91,RegimeShift,Reduce,Volatility spike and breadth deterioration,119,-31,199,2,false,Within IPS guidelines
P7572,Active,Roth,USD,2025-09-17,835608,75417,760191,1.0,60.2,27.1,6.7,6.0,VNQ:7.8%;XLF:19.0%;TLT:14.7%;HYG:20.1%;BND:20.1%;QQQ:18.2%,US:61.9;EU:13.2;APAC:11.7;EM:10.5;Other:2.7,Value:-0.5;Growth:-0.1;Quality:+0.2;Size:-0.4;Momentum:+0.9;LowVol:+0.4,,6,25,4.1,trailing 8%,122,26.6,Sideways,17.8,3.86,3.5,92,11,58,46,false,Buy,Add to core equity +1%,-15,4,BrokerB,MKT,85,None,None,Normal monitoring,82,-21,152,3,false,Tax-aware sells next window
P7573,Systematic,Roth,USD,2025-01-26,1234650,64682,1169968,1.0,61.7,20.7,9.8,7.7,GLD:25.2%;BND:24.4%;MSFT:25.2%;VNQ:25.2%,US:74.1;EU:11.7;APAC:5.8;EM:3.5;Other:4.9,Value:+0.9;Growth:+0.5;Quality:0.0;Size:+1.0;Momentum:+0.9;LowVol:+1.0,,6,25,4.4,trailing 9%,152,24.9,Bull,14.0,4.47,2.5,108,89,80,39,true,Rebalance,Rebalance back to target bands,-8,-35,BrokerB,MKT,85,VAR>budget,Reduce,Risk above budget threshold,-44,10,31,5,false,Tax-aware sells next window
P7574,Active,IRA,USD,2025-09-01,962001,107604,854397,1.0,55.3,28.2,8.9,7.6,XLF:33.3%;AMZN:33.3%;MSFT:33.3%,US:69.1;EU:7.3;APAC:12.9;EM:9.6;Other:1.1,Value:-0.1;Growth:+0.5;Quality:+0.6;Size:+0.5;Momentum:-0.4;LowVol:-0.1,MaxPos7%,6,35,5.1,trailing 9%,141,17.7,Bear,23.6,3.51,1.8,159,-83,10,53,false,Buy,Add to core equity +1%,2,-32,BrokerB,LMT,86,None,None,Normal monitoring,41,-6,1,4,false,Tax-aware sells next window
P7575,Opportunistic,401k,USD,2025-03-10,487455,42454,445001,1.0,76.3,15.6,0.0,8.1,BND:26.5%;VNQ:25.4%;AMZN:21.6%;XLF:26.5%,US:59.6;EU:16.1;APAC:13.0;EM:10.7;Other:0.6,Value:+0.3;Growth:+0.8;Quality:-0.0;Size:-0.9;Momentum:0.0;LowVol:-0.1,,7,35,6.4,hard 12%,186,20.7,Sideways,17.1,4.96,2.8,94,1,60,64,false,Sell,Trim extended winner -1%,0,-5,BrokerC,LMT,94,None,None,Normal monitoring,20,20,89,4,false,Tax-aware sells next window
P7576,Active,401k,USD,2025-03-14,577420,53985,523435,1.0,51.5,21.6,17.9,9.0,TSLA:30.9%;HYG:22.3%;MUB:15.8%;MSFT:30.9%,US:56.6;EU:16.9;APAC:12.5;EM:10.2;Other:3.9,Value:+0.8;Growth:-0.8;Quality:-0.7;Size:+0.9;Momentum:-0.6;LowVol:-0.1,MaxPos7%;NoDerivatives,7,35,4.5,trailing 9%,183,16.1,Volatile,22.3,5.32,3.7,180,52,84,55,false,Rebalance,Shift +1% to bonds from equity,15,-9,BrokerA,MKT,92,None,None,Normal monitoring,-58,-43,-60,5,false,Tighten stops on momentum names
P7577,Systematic,Trust,USD,2025-07-01,1535880,76290,1459590,1.0,61.0,20.7,10.7,7.5,AAPL:25.0%;VTI:25.0%;XLF:25.0%;MSFT:25.0%,US:70.1;EU:5.3;APAC:9.5;EM:11.4;Other:3.7,Value:-0.8;Growth:-0.4;Quality:-0.2;Size:+0.1;Momentum:-0.7;LowVol:-0.6,,7,30,4.4,hard 12%,215,22.8,Bull,16.2,3.84,3.2,87,108,100,39,false,Sell,Trim extended winner -1%,22,6,BrokerB,LMT,98,None,None,Normal monitoring,9,-24,39,4,false,Monitor dispersion and breadth
P7578,Hands-off,Trust,USD,2025-04-01,167626,10696,156930,1.0,65.3,21.4,7.2,6.2,TSLA:33.3%;BND:33.3%;IEF:33.3%,US:64.3;EU:14.1;APAC:11.6;EM:9.9;Other:0.2,Value:+0.2;Growth:+0.9;Quality:-0.0;Size:+0.3;Momentum:+1.0;LowVol:-0.8,,6,35,3.3,trailing 10%,157,19.1,Bear,26.2,3.65,2.9,173,-110,5,62,false,Buy,Add to core equity +1%,13,4,BrokerB,LMT,87,None,None,Normal monitoring,-49,-15,-7,4,false,Within IPS guidelines
P7579,Cautious,401k,USD,2025-09-04,694724,79302,615422,1.0,40.3,41.3,3.7,14.8,XLF:25.0%;VNQ:25.0%;TSLA:25.0%;MSFT:25.0%,US:65.4;EU:11.3;APAC:14.8;EM:4.2;Other:4.2,Value:-0.5;Growth:-0.8;Quality:-0.1;Size:-0.6;Momentum:+0.9;LowVol:+0.8,ESGOnly;MaxPos5%;NoMargin,6,30,3.6,trailing 8%,111,17.9,Bull,11.7,4.89,2.8,82,27,68,19,false,NoAction,Within bands; monitor,-12,-20,BrokerA,LMT,98,None,None,Normal monitoring,10,-35,74,4,false,Increase defensive factor exposure
P7580,Systematic,401k,USD,2025-04-22,1383131,125716,1257415,1.0,67.4,21.9,2.4,8.4,GLD:33.3%;VTI:33.3%;QQQ:33.3%,US:74.9;EU:9.2;APAC:9.4;EM:3.1;Other:3.4,Value:-0.5;Growth:-0.5;Quality:+0.9;Size:-0.0;Momentum:+0.6;LowVol:+0.9,NoDerivatives,10,30,4.5,trailing 9%,137,18.1,Bull,13.0,4.31,2.0,88,28,74,41,true,Rebalance,Rebalance back to target bands,-8,-27,BrokerB,LMT,98,RegimeShift,Reduce,Volatility spike and breadth deterioration,-38,-18,34,5,false,Tax-aware sells next window
P7581,Active,IRA,USD,2025-12-25,2484524,219982,2264542,1.23,67.3,23.8,0.5,8.4,BRK.B:33.3%;VNQ:33.3%;GLD:33.3%,US:61.8;EU:18.2;APAC:10.3;EM:4.2;Other:5.5,Value:-0.6;Growth:-0.2;Quality:+0.6;Size:+0.6;Momentum:-0.0;LowVol:-0.2,MaxPos7%,7,30,4.8,trailing 9%,172,22.7,Sideways,15.8,4.95,2.2,129,10,61,52,false,Sell,Trim extended winner -1%,35,-10,BrokerD,MKT,90,None,None,Normal monitoring,2,13,14,4,false,Within IPS guidelines
P7582,Systematic,IRA,USD,2025-01-20,1963714,104560,1859154,1.0,56.4,22.5,15.7,5.3,BND:23.9%;XLF:23.9%;AAPL:16.1%;IEF:13.7%;TSLA:22.4%,US:70.4;EU:12.7;APAC:9.8;EM:4.8;Other:2.3,Value:-0.0;Growth:+0.1;Quality:-0.1;Size:-0.2;Momentum:-0.1;LowVol:+0.6,,10,25,4.5,hard 12%,189,19.1,Bull,11.5,4.26,2.0,104,102,100,36,false,Buy,Add to core equity +1%,-13,-38,BrokerA,VWAP,92,None,None,Normal monitoring,37,-42,10,3,false,Monitor dispersion and breadth
P7583,Systematic,Roth,USD,2025-03-06,1481467,71277,1410190,1.0,68.1,22.0,4.3,5.6,QQQ:22.4%;BND:22.4%;MUB:9.4%;VOO:22.4%;TSLA:9.5%;BRK.B:13.9%,US:62.5;EU:17.0;APAC:6.2;EM:10.7;Other:3.5,Value:-0.8;Growth:-0.6;Quality:+0.3;Size:-0.8;Momentum:-0.4;LowVol:+1.0,,10,25,4.9,trailing 8%,143,16.6,Bear,23.7,3.04,1.7,161,32,62,78,true,Rebalance,Rebalance back to target bands,-6,-8,BrokerA,MKT,99,Drift>tolerance,Hedge,Allocation drift beyond policy bands,45,-4,14,4,false,Increase defensive factor exposure
P7584,Hands-off,Trust,USD,2025-09-02,746347,63146,683201,1.0,63.3,28.7,0.5,7.5,HYG:20.3%;VTI:11.4%;BND:20.3%;BRK.B:16.8%;GLD:14.2%;XLF:17.1%,US:71.0;EU:11.7;APAC:6.9;EM:5.0;Other:5.4,Value:-0.1;Growth:-0.3;Quality:+0.1;Size:+1.0;Momentum:+0.6;LowVol:-0.9,ESGOnly;NoDerivatives,5,30,3.4,trailing 8%,135,15.1,Bear,23.0,4.15,2.6,176,-114,5,56,false,Rebalance,Shift +1% to bonds from equity,9,-35,BrokerA,MKT,87,None,None,Normal monitoring,66,-11,186,5,false,Tighten stops on momentum names
P7585,Cautious,401k,USD,2025-10-13,286665,23851,262814,1.0,42.0,33.1,6.9,18.0,VOO:25.0%;QQQ:25.0%;TLT:25.0%;AAPL:25.0%,US:69.8;EU:12.6;APAC:7.5;EM:6.8;Other:3.3,Value:+0.9;Growth:-0.6;Quality:+0.2;Size:-0.6;Momentum:-0.0;LowVol:-0.4,ESGOnly;NoMargin,6,30,5.9,hard 10%,136,18.2,Bull,16.1,4.49,3.0,102,56,69,29,false,Sell,Trim extended winner -1%,23,-19,BrokerA,MKT,90,None,None,Normal monitoring,8,-19,108,3,false,Increase defensive factor exposure
P7586,Opportunistic,Trust,USD,2024-12-08,707360,58877,648483,1.0,72.3,13.8,8.4,5.4,BND:22.7%;TSLA:22.7%;MUB:18.4%;BRK.B:13.6%;AMZN:22.7%,US:66.1;EU:11.9;APAC:7.6;EM:10.8;Other:3.6,Value:+0.5;Growth:-1.0;Quality:+0.6;Size:+0.2;Momentum:-0.6;LowVol:+0.6,MaxPos5%,5,25,6.2,hard 12%,263,33.5,Sideways,19.5,4.19,3.2,121,45,83,52,false,Rebalance,Shift +1% to bonds from equity,5,-31,BrokerD,LMT,98,None,None,Normal monitoring,39,-32,-1,4,false,Monitor dispersion and breadth
P7587,Hands-off,401k,USD,2024-10-05,359920,30135,329785,1.0,64.8,25.6,0.0,9.7,QQQ:20.7%;HYG:18.8%;XLF:23.5%;TSLA:13.3%;AAPL:23.5%,US:68.1;EU:6.5;APAC:16.8;EM:6.1;Other:2.5,Value:+0.2;Growth:-0.8;Quality:-0.1;Size:+0.8;Momentum:0.0;LowVol:-0.4,NoDerivatives,5,25,3.2,trailing 10%,148,17.3,Volatile,31.1,3.52,4.0,137,46,59,83,true,Rebalance,Rebalance back to target bands,29,-21,BrokerB,LMT,99,Drift>tolerance,Reduce,Allocation drift beyond policy bands,28,-34,72,3,false,Increase defensive factor exposure
P7588,Cautious,IRA,USD,2024-08-04,220482,32877,187605,1.0,48.4,37.4,0.0,14.2,GLD:24.2%;AAPL:14.8%;HYG:24.2%;TLT:12.6%;IEF:24.2%,US:65.7;EU:17.9;APAC:7.8;EM:6.0;Other:2.6,Value:+0.9;Growth:-0.4;Quality:+0.1;Size:-0.7;Momentum:+0.2;LowVol:-1.0,NoMargin,5,25,5.0,trailing 8%,97,16.1,Bull,17.8,4.67,3.3,95,100,100,50,false,Rebalance,Shift +1% to bonds from equity,5,-19,BrokerA,MKT,98,None,None,Normal monitoring,78,-44,143,3,false,Tax-aware sells next window
P7589,Opportunistic,IRA,USD,2025-05-17,1251743,66969,1184774,1.18,64.5,11.6,15.4,8.5,VOO:7.4%;BRK.B:21.8%;IEF:21.8%;QQQ:12.1%;VTI:15.7%;AAPL:21.2%,US:71.2;EU:6.4;APAC:13.1;EM:5.2;Other:4.1,Value:+0.1;Growth:-0.3;Quality:+0.7;Size:+0.3;Momentum:-0.3;LowVol:+0.5,MaxPos5%,5,25,6.2,hard 12%,207,34.0,Volatile,27.0,4.25,4.4,160,-24,30,75,true,Hedge,Buy index puts 1% notional,-15,-35,BrokerD,MKT,91,VAR>budget,Hedge,Risk above budget threshold,105,8,236,4,false,Tax-aware sells next window
P7590,Systematic,Taxable,USD,2024-11-22,554707,52306,502401,1.0,57.0,34.8,1.5,6.6,QQQ:22.5%;VTI:10.2%;BND:23.0%;VNQ:23.0%;MSFT:21.4%,US:62.8;EU:15.9;APAC:11.2;EM:9.1;Other:1.0,Value:0.0;Growth:+0.6;Quality:-0.9;Size:-0.9;Momentum:-0.3;LowVol:+0.3,,6,30,5.0,hard 12%,130,21.2,Bull,15.9,4.3,2.5,75,101,98,55,false,Buy,Add to core equity +1%,15,-37,BrokerB,MKT,100,None,None,Normal monitoring,8,-48,-9,4,false,Tax-aware sells next window
P7591,Active,IRA,USD,2024-10-24,1033585,88136,945449,1.0,59.0,19.1,16.6,5.3,TSLA:25.0%;BND:25.0%;VNQ:25.0%;QQQ:25.0%,US:55.9;EU:18.1;APAC:8.4;EM:13.0;Other:4.6,Value:-0.7;Growth:+0.3;Quality:-0.1;Size:+0.9;Momentum:-0.6;LowVol:+0.8,NoDerivatives,5,30,5.6,hard 12%,190,23.7,Bull,16.7,4.87,3.1,106,43,56,58,false,Rebalance,Shift +1% to bonds from equity,-4,-31,BrokerB,MKT,87,None,None,Normal monitoring,112,-54,142,3,false,Tax-aware sells next window
P7592,Active,401k,USD,2025-06-28,1628170,160086,1468084,1.11,63.1,19.3,10.0,7.6,MSFT:20.8%;TSLA:11.2%;XLF:18.7%;AMZN:12.8%;MUB:15.8%;VNQ:20.8%,US:59.3;EU:10.0;APAC:14.8;EM:12.9;Other:3.0,Value:-0.7;Growth:-0.2;Quality:+0.7;Size:-0.1;Momentum:-0.7;LowVol:-0.6,,7,35,6.0,trailing 9%,152,25.2,Bull,13.5,3.68,2.5,93,58,65,46,false,Rebalance,Shift +1% to bonds from equity,-9,15,BrokerC,VWAP,97,None,None,Normal monitoring,-42,-39,-81,3,false,Monitor dispersion and breadth
P7593,Active,Taxable,USD,2025-06-25,1743506,208629,1534877,1.0,55.6,24.7,10.6,9.0,MSFT:13.8%;VNQ:24.3%;AAPL:24.3%;VOO:13.4%;QQQ:24.3%,US:60.5;EU:13.4;APAC:13.7;EM:12.2;Other:0.2,Value:-0.7;Growth:-0.3;Quality:+0.8;Size:+0.3;Momentum:-0.4;LowVol:+0.4,,8,30,4.8,trailing 8%,159,20.4,Sideways,16.7,4.65,2.1,126,49,84,39,false,Rebalance,Shift +1% to bonds from equity,-15,-31,BrokerD,LMT,100,None,None,Normal monitoring,70,-37,107,4,false,Within IPS guidelines
P7594,Hands-off,Trust,USD,2025-11-05,504768,31036,473732,1.0,64.3,20.5,10.0,5.3,IEF:18.9%;QQQ:21.5%;VTI:17.5%;GLD:21.5%;VNQ:20.5%,US:63.6;EU:15.8;APAC:6.8;EM:9.3;Other:4.5,Value:-0.6;Growth:0.0;Quality:-1.0;Size:+0.4;Momentum:+0.5;LowVol:+0.6,MaxPos7%,5,35,5.6,hard 10%,147,17.9,Sideways,17.7,4.82,2.8,110,-20,25,50,false,Hedge,Add TLT +1% as duration hedge,19,9,BrokerC,MKT,98,None,None,Normal monitoring,101,19,161,5,false,Monitor dispersion and breadth
P7595,Cautious,Taxable,USD,2024-11-23,292820,28475,264345,1.0,53.6,32.8,2.1,11.6,TLT:24.1%;BRK.B:8.5%;HYG:24.1%;MSFT:11.3%;GLD:7.8%;AAPL:24.1%,US:66.2;EU:11.8;APAC:11.0;EM:8.2;Other:2.8,Value:-0.9;Growth:+0.6;Quality:-0.1;Size:+0.5;Momentum:-0.9;LowVol:+0.5,ESGOnly;NoDerivatives;NoMargin,5,30,4.1,hard 10%,147,13.7,Volatile,22.0,4.93,2.7,130,-8,40,61,false,Sell,Trim extended winner -1%,2,7,BrokerB,MKT,96,None,None,Normal monitoring,-38,-2,18,4,false,Increase defensive factor exposure
P7596,Opportunistic,Taxable,USD,2024-08-22,531376,33812,497564,1.0,64.4,16.7,13.5,5.4,HYG:20.5%;AAPL:13.6%;BND:10.8%;MSFT:16.6%;BRK.B:18.0%;AMZN:20.5%,US:60.2;EU:12.4;APAC:12.3;EM:11.8;Other:3.4,Value:+1.0;Growth:-0.2;Quality:+0.6;Size:+0.7;Momentum:-0.7;LowVol:-0.9,NoDerivatives,7,25,5.8,hard 12%,181,30.5,Volatile,31.6,4.72,3.5,133,62,71,83,true,Hedge,Buy index puts 1% notional,-1,14,BrokerB,MKT,93,Drift>tolerance,Pause,Allocation drift beyond policy bands,93,2,146,5,false,Tax-aware sells next window
P7597,Hands-off,401k,USD,2025-11-05,870091,35639,834452,1.0,59.2,17.7,16.0,7.2,VOO:33.3%;QQQ:33.3%;XLF:33.3%,US:75.8;EU:10.7;APAC:8.8;EM:4.6;Other:0.1,Value:+0.8;Growth:+0.6;Quality:-0.0;Size:+0.2;Momentum:+0.2;LowVol:-0.9,MaxPos6%,8,35,5.2,trailing 8%,92,15.7,Volatile,20.9,4.19,3.5,142,-32,47,57,true,Reduce,"Cut high-beta by 2-3%, add cash",8,-24,BrokerC,LMT,91,VAR>budget,Hedge,Risk above budget threshold,-52,-48,23,2,false,Increase defensive factor exposure
P7598,Active,Taxable,USD,2025-03-08,2477470,189584,2287886,1.0,65.3,26.5,0.0,8.2,QQQ:20.5%;TSLA:15.6%;BND:19.6%;IEF:11.0%;AMZN:17.0%;BRK.B:16.3%,US:55.0;EU:18.0;APAC:13.2;EM:9.8;Other:4.0,Value:-0.6;Growth:-0.5;Quality:+0.7;Size:+0.8;Momentum:-0.1;LowVol:0.0,MaxPos8%;NoDerivatives,8,25,5.4,trailing 9%,210,18.0,Volatile,23.9,3.76,2.2,168,-23,52,69,false,Buy,Add to core equity +1%,-11,-38,BrokerD,LMT,92,None,None,Normal monitoring,13,-14,117,3,false,Tax-aware sells next window
P7599,Cautious,401k,USD,2025-01-10,296667,34580,262087,1.0,51.2,32.9,4.3,11.6,GLD:25.8%;MUB:25.8%;AAPL:25.8%;VOO:22.5%,US:69.1;EU:12.6;APAC:5.1;EM:11.1;Other:2.1,Value:-0.4;Growth:+0.6;Quality:-1.0;Size:-0.5;Momentum:-0.7;LowVol:-0.6,NoMargin,8,35,5.2,hard 10%,110,13.1,Bear,31.3,3.47,2.1,139,-90,17,73,true,Hedge,Buy index puts 1% notional,-7,-14,BrokerD,LMT,99,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,120,-17,140,5,false,Increase defensive factor exposure
P7600,Active,Taxable,USD,2025-11-02,708735,66687,642048,1.0,50.7,24.6,17.1,7.7,GLD:18.9%;AMZN:18.5%;BND:23.7%;VTI:23.7%;QQQ:15.1%,US:71.0;EU:9.0;APAC:9.3;EM:8.8;Other:1.9,Value:-0.2;Growth:-0.1;Quality:-1.0;Size:-0.7;Momentum:-0.2;LowVol:-0.5,MaxPos6%,6,25,5.7,hard 12%,228,25.3,Bull,15.2,4.98,2.5,92,77,80,44,false,Sell,Trim extended winner -1%,2,-27,BrokerC,LMT,95,None,None,Normal monitoring,-37,12,55,4,false,Monitor dispersion and breadth
P7601,Active,Taxable,USD,2025-09-08,1813499,135656,1677843,1.0,57.3,27.7,8.0,7.0,IEF:17.6%;QQQ:19.0%;MUB:17.3%;VOO:17.6%;BND:19.3%;AAPL:9.3%,US:71.3;EU:8.4;APAC:8.4;EM:11.7;Other:0.2,Value:-0.6;Growth:+0.1;Quality:+1.0;Size:-0.1;Momentum:+0.2;LowVol:-0.4,,5,30,5.1,trailing 9%,150,20.8,Bull,11.8,3.98,2.8,113,65,69,34,false,Buy,Add to core equity +1%,-13,9,BrokerA,LMT,93,None,None,Normal monitoring,42,-28,108,5,false,Tax-aware sells next window
P7602,Opportunistic,Roth,USD,2025-09-10,1282122,82797,1199325,1.0,76.8,17.2,1.7,4.3,AAPL:15.3%;GLD:28.2%;HYG:28.2%;MUB:28.2%,US:64.6;EU:8.7;APAC:18.5;EM:4.3;Other:3.9,Value:+1.0;Growth:-0.2;Quality:-0.6;Size:+0.2;Momentum:0.0;LowVol:-0.9,MaxPos5%,10,25,4.8,hard 12%,170,24.9,Sideways,17.6,3.85,2.0,93,50,80,68,false,Rebalance,Shift +1% to bonds from equity,-6,1,BrokerC,LMT,97,None,None,Normal monitoring,-30,-48,95,5,false,Within IPS guidelines
P7603,Systematic,IRA,USD,2025-08-03,1878729,181593,1697136,1.0,62.3,29.2,3.4,5.2,AAPL:33.3%;XLF:33.3%;TLT:33.3%,US:74.9;EU:10.7;APAC:6.7;EM:5.6;Other:2.1,Value:-0.5;Growth:-0.1;Quality:+0.8;Size:+0.9;Momentum:-0.1;LowVol:-0.7,NoDerivatives,7,35,4.5,trailing 9%,228,25.4,Sideways,17.7,3.52,2.8,106,50,88,52,false,Buy,Add to core equity +1%,16,-11,BrokerA,MKT,89,None,None,Normal monitoring,95,-7,74,3,false,Within IPS guidelines
P7604,Hands-off,Taxable,USD,2025-10-29,774238,61683,712555,1.0,65.8,25.2,0.0,9.0,TLT:20.7%;BND:19.8%;BRK.B:17.4%;QQQ:20.7%;VOO:7.7%;IEF:13.6%,US:59.0;EU:17.8;APAC:12.6;EM:5.9;Other:4.7,Value:+0.5;Growth:-0.4;Quality:-0.2;Size:+0.3;Momentum:-0.8;LowVol:+0.7,MaxPos8%;NoDerivatives,5,25,5.5,trailing 8%,118,12.2,Volatile,26.5,4.71,4.1,127,-57,28,79,true,Reduce,"Cut high-beta by 2-3%, add cash",-11,-39,BrokerA,MKT,90,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-5,2,6,4,false,Monitor dispersion and breadth
P7605,Opportunistic,Taxable,USD,2025-05-21,509099,38265,470834,1.0,63.6,10.8,16.8,8.8,XLF:27.1%;AMZN:27.1%;BND:27.1%;HYG:18.8%,US:57.6;EU:17.3;APAC:8.9;EM:12.3;Other:3.8,Value:+0.1;Growth:-1.0;Quality:+0.8;Size:-0.4;Momentum:-0.8;LowVol:-0.0,,8,30,4.6,trailing 7%,239,34.2,Bear,34.7,3.27,1.8,141,20,63,79,true,Hedge,Buy index puts 1% notional,24,-38,BrokerA,LMT,86,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-24,-20,-15,3,false,Tax-aware sells next window
P7606,Active,Roth,USD,2025-03-19,1584976,156832,1428144,1.18,66.4,24.9,3.1,5.6,BND:27.0%;TLT:19.0%;IEF:27.0%;TSLA:27.0%,US:68.9;EU:5.9;APAC:13.9;EM:7.2;Other:4.2,Value:-0.4;Growth:-0.1;Quality:+0.2;Size:-0.5;Momentum:0.0;LowVol:-0.8,NoDerivatives,6,25,4.7,hard 12%,124,24.1,Bull,11.3,4.42,2.3,87,24,52,34,false,NoAction,Within bands; monitor,-10,-18,BrokerA,MKT,0,None,None,Normal monitoring,-10,-51,-18,4,false,Within IPS guidelines
P7607,Systematic,Taxable,USD,2025-01-22,930322,72512,857810,1.0,65.1,21.6,8.1,5.2,VTI:14.7%;AAPL:20.8%;BRK.B:9.6%;BND:20.8%;VNQ:20.8%;IEF:13.4%,US:66.3;EU:10.8;APAC:14.1;EM:8.1;Other:0.7,Value:+0.6;Growth:0.0;Quality:-0.3;Size:+0.2;Momentum:+0.1;LowVol:-0.2,,8,35,5.4,trailing 8%,166,17.9,Volatile,20.4,5.21,3.8,139,80,98,68,false,Buy,Add to core equity +1%,1,-19,BrokerA,LMT,95,None,None,Normal monitoring,-38,-38,88,4,false,Within IPS guidelines
P7608,Active,Roth,USD,2025-10-10,876381,75174,801207,1.0,57.6,23.0,14.4,5.1,IEF:33.3%;TLT:33.3%;BRK.B:33.3%,US:75.3;EU:9.2;APAC:5.7;EM:9.0;Other:0.8,Value:-0.0;Growth:+0.1;Quality:+0.6;Size:+0.6;Momentum:+0.9;LowVol:+0.5,NoDerivatives,5,25,5.1,trailing 8%,180,24.6,Bear,33.2,3.85,1.8,132,-92,5,79,true,Hedge,Buy index puts 1% notional,5,-22,BrokerC,LMT,96,RegimeShift,Hedge,Volatility spike and breadth deterioration,-55,0,-14,2,false,Increase defensive factor exposure
P7609,Systematic,Roth,USD,2025-11-24,1066697,55794,1010903,1.0,67.3,26.9,0.4,5.4,AAPL:23.6%;BND:23.6%;GLD:13.4%;MSFT:23.6%;MUB:15.8%,US:67.3;EU:14.6;APAC:8.6;EM:8.1;Other:1.4,Value:-0.5;Growth:+0.6;Quality:-0.2;Size:+0.7;Momentum:+0.6;LowVol:-0.3,NoDerivatives,10,35,5.9,hard 12%,131,19.8,Bull,14.5,3.55,2.2,84,110,100,44,false,Rebalance,Shift +1% to bonds from equity,-12,9,BrokerB,LMT,85,None,None,Normal monitoring,-54,-32,-60,5,false,Monitor dispersion and breadth
P7610,Active,Taxable,USD,2025-06-22,1667973,165123,1502850,1.14,59.4,19.9,13.6,7.0,HYG:18.3%;TSLA:23.7%;MSFT:23.7%;VTI:10.5%;GLD:23.7%,US:65.3;EU:12.0;APAC:14.6;EM:7.6;Other:0.5,Value:+1.0;Growth:-0.0;Quality:+0.2;Size:+0.6;Momentum:0.0;LowVol:-0.5,NoDerivatives,6,25,4.2,hard 12%,175,27.0,Bull,15.9,4.77,3.3,114,76,86,44,false,Buy,Add to core equity +1%,-15,-5,BrokerD,LMT,85,None,None,Normal monitoring,103,-53,214,5,false,Increase defensive factor exposure
P7611,Hands-off,Trust,USD,2025-11-16,380992,30270,350722,1.0,68.9,20.8,2.8,7.5,BND:24.0%;AMZN:24.0%;VTI:19.0%;VOO:18.0%;IEF:14.9%,US:66.7;EU:7.1;APAC:14.9;EM:6.8;Other:4.5,Value:+0.8;Growth:-0.1;Quality:+0.2;Size:+1.0;Momentum:+0.6;LowVol:+0.6,ESGOnly,6,25,4.5,trailing 8%,95,13.9,Bull,12.0,4.26,3.0,107,62,91,55,false,Hedge,Add TLT +1% as duration hedge,3,-36,BrokerC,MKT,98,None,None,Normal monitoring,27,14,132,4,false,Monitor dispersion and breadth
P7612,Systematic,IRA,USD,2025-06-20,756193,67397,688796,1.0,64.8,21.9,7.4,5.9,MSFT:35.4%;XLF:35.4%;IEF:29.2%,US:63.9;EU:10.6;APAC:14.8;EM:9.7;Other:1.0,Value:-0.4;Growth:+0.2;Quality:-0.4;Size:+0.8;Momentum:-0.9;LowVol:+0.3,NoDerivatives,10,35,5.7,trailing 8%,133,17.4,Bear,27.6,4.28,2.6,193,11,54,84,true,Hedge,Buy index puts 1% notional,-12,-3,BrokerB,MKT,88,VAR>budget,Hedge,Risk above budget threshold,55,-10,53,3,false,Within IPS guidelines
P7613,Opportunistic,Trust,USD,2025-06-01,814639,58674,755965,1.11,62.9,18.4,13.6,5.1,QQQ:16.6%;AAPL:20.8%;BND:16.4%;VNQ:8.3%;TSLA:20.8%;XLF:17.0%,US:64.6;EU:13.3;APAC:10.3;EM:9.3;Other:2.5,Value:-0.6;Growth:-0.4;Quality:+0.2;Size:-0.4;Momentum:-0.7;LowVol:-0.9,NoDerivatives,6,30,5.1,trailing 9%,185,21.1,Bull,11.1,3.57,2.0,79,98,100,47,false,Rebalance,Shift +1% to bonds from equity,6,11,BrokerC,VWAP,89,None,None,Normal monitoring,103,13,68,4,false,Within IPS guidelines
P7614,Cautious,IRA,USD,2025-07-29,747981,94469,653512,1.0,37.9,37.4,8.9,15.8,HYG:33.3%;TLT:33.3%;MUB:33.3%,US:69.1;EU:10.1;APAC:11.0;EM:6.9;Other:2.9,Value:+0.9;Growth:+0.2;Quality:+0.4;Size:+1.0;Momentum:+0.9;LowVol:-0.7,MaxPos7%;NoDerivatives;NoMargin,8,30,5.5,trailing 10%,131,15.7,Volatile,30.7,4.77,3.5,162,6,42,63,false,Rebalance,Shift +1% to bonds from equity,-1,-37,BrokerC,LMT,91,None,None,Normal monitoring,-48,2,-16,3,false,Monitor dispersion and breadth
P7615,Opportunistic,Trust,USD,2025-11-03,1462354,98600,1363754,1.0,62.3,19.0,13.1,5.5,AMZN:24.0%;GLD:28.8%;BND:18.3%;IEF:28.8%,US:67.6;EU:12.4;APAC:5.6;EM:10.4;Other:4.1,Value:+0.8;Growth:-0.4;Quality:+0.2;Size:-0.2;Momentum:+0.8;LowVol:-0.9,NoDerivatives,8,35,5.3,trailing 7%,249,24.5,Bull,17.8,4.41,2.6,115,29,65,44,false,NoAction,Within bands; monitor,-9,-27,BrokerA,MKT,0,None,None,Normal monitoring,-34,-36,90,4,false,Monitor dispersion and breadth
P7616,Opportunistic,Taxable,USD,2024-07-12,1035382,88159,947223,1.23,68.5,21.8,1.2,8.5,GLD:33.3%;AAPL:33.3%;HYG:33.3%,US:61.0;EU:17.6;APAC:7.2;EM:12.3;Other:1.8,Value:-0.1;Growth:+0.3;Quality:+0.7;Size:-0.4;Momentum:-0.5;LowVol:-0.7,MaxPos8%,10,30,5.5,hard 12%,255,34.0,Bear,27.4,3.29,1.4,151,-7,51,70,true,Reduce,"Cut high-beta by 2-3%, add cash",-9,-10,BrokerA,VWAP,99,Drift>tolerance,Reduce,Allocation drift beyond policy bands,42,6,98,2,false,Tighten stops on momentum names
P7617,Active,Roth,USD,2024-09-16,2456910,194297,2262613,1.0,57.3,21.9,13.6,7.3,BRK.B:20.8%;TLT:9.7%;XLF:20.8%;AAPL:19.8%;QQQ:13.8%;BND:15.2%,US:57.2;EU:15.2;APAC:12.9;EM:9.8;Other:4.9,Value:-0.5;Growth:-0.8;Quality:+0.6;Size:+0.2;Momentum:-0.8;LowVol:+0.8,,6,30,5.9,hard 12%,158,27.7,Volatile,31.1,3.87,4.2,173,-4,57,85,true,Rebalance,Rebalance back to target bands,2,-20,BrokerB,MKT,100,Drift>tolerance,Hedge,Allocation drift beyond policy bands,25,-13,101,3,false,Tax-aware sells next window
P7618,Active,Roth,USD,2024-10-15,599810,55803,544007,1.0,50.2,24.6,18.9,6.2,AMZN:19.5%;GLD:18.4%;VOO:12.5%;IEF:24.8%;BRK.B:24.8%,US:62.7;EU:11.8;APAC:9.8;EM:11.5;Other:4.2,Value:+0.1;Growth:+0.7;Quality:-0.0;Size:-0.8;Momentum:-0.6;LowVol:-0.8,MaxPos8%,6,25,5.5,trailing 9%,142,25.4,Bull,15.2,3.73,2.4,98,30,50,37,false,Buy,Add to core equity +1%,9,-14,BrokerC,LMT,88,None,None,Normal monitoring,65,-1,30,3,false,Tax-aware sells next window
P7619,Systematic,IRA,USD,2024-11-15,534161,48930,485231,1.0,64.0,27.6,0.0,8.4,VNQ:29.0%;BND:12.9%;BRK.B:29.0%;QQQ:29.0%,US:64.7;EU:11.5;APAC:14.3;EM:4.4;Other:5.1,Value:+0.2;Growth:+0.4;Quality:0.0;Size:-0.3;Momentum:0.0;LowVol:+0.3,MaxPos7%;NoDerivatives,10,25,4.9,trailing 9%,135,19.5,Bull,13.2,3.85,2.6,97,72,73,44,false,Rebalance,Shift +1% to bonds from equity,6,-20,BrokerC,MKT,86,None,None,Normal monitoring,19,18,-1,4,false,Within IPS guidelines
P7620,Active,Roth,USD,2025-08-06,2371549,246588,2124961,1.0,58.1,25.3,10.6,6.0,VTI:26.9%;XLF:26.9%;TLT:26.9%;GLD:19.3%,US:66.9;EU:8.8;APAC:14.5;EM:5.7;Other:4.1,Value:+0.1;Growth:+0.7;Quality:+0.3;Size:-0.9;Momentum:+0.2;LowVol:-0.9,MaxPos7%,6,30,4.3,trailing 9%,160,16.5,Bull,17.8,4.2,2.1,80,14,71,45,false,Buy,Add to core equity +1%,19,-11,BrokerD,MKT,90,None,None,Normal monitoring,119,18,124,3,false,Tighten stops on momentum names
P7621,Opportunistic,Taxable,USD,2025-02-10,1457131,100942,1356189,1.0,64.6,21.7,7.8,5.9,TSLA:21.7%;AMZN:21.7%;BND:13.2%;MSFT:21.7%;VOO:8.9%;MUB:12.9%,US:57.5;EU:18.6;APAC:10.8;EM:10.1;Other:3.1,Value:-0.6;Growth:-0.1;Quality:-0.2;Size:+0.1;Momentum:-0.0;LowVol:+0.8,MaxPos7%,5,25,5.0,trailing 9%,178,25.6,Sideways,17.2,4.15,3.1,139,36,67,60,false,Rebalance,Shift +1% to bonds from equity,19,7,BrokerB,LMT,92,None,None,Normal monitoring,103,14,188,3,false,Increase defensive factor exposure
P7622,Cautious,Trust,USD,2025-07-18,744440,83506,660934,1.0,43.0,43.4,1.5,12.0,MSFT:25.5%;AAPL:25.5%;HYG:23.4%;AMZN:25.5%,US:56.1;EU:17.2;APAC:12.7;EM:10.8;Other:3.2,Value:-0.8;Growth:-0.1;Quality:+0.8;Size:+0.1;Momentum:-0.5;LowVol:+1.0,NoDerivatives;NoMargin,10,25,4.9,trailing 8%,117,14.1,Sideways,16.6,3.95,2.7,128,6,67,35,false,Sell,Trim extended winner -1%,-10,-21,BrokerD,MKT,86,None,None,Normal monitoring,4,9,64,5,false,Tax-aware sells next window
P7623,Opportunistic,Trust,USD,2024-10-10,1755827,149582,1606245,1.0,63.8,20.5,8.9,6.8,BND:19.0%;HYG:22.5%;MSFT:22.5%;TSLA:13.8%;AAPL:22.1%,US:66.5;EU:8.6;APAC:11.4;EM:10.8;Other:2.7,Value:+0.4;Growth:+0.2;Quality:+0.4;Size:-0.8;Momentum:-0.6;LowVol:-0.6,,10,30,4.4,trailing 7%,211,34.7,Sideways,18.0,4.57,2.0,138,10,70,53,false,Rebalance,Shift +1% to bonds from equity,-11,0,BrokerC,MKT,95,None,None,Normal monitoring,-54,2,84,4,false,Tighten stops on momentum names
P7624,Cautious,IRA,USD,2025-06-08,506421,51913,454508,1.0,45.0,40.2,0.0,14.8,MSFT:12.1%;TSLA:17.9%;GLD:20.6%;TLT:20.6%;HYG:20.6%;BND:8.2%,US:56.8;EU:20.9;APAC:11.9;EM:10.2;Other:0.2,Value:-0.6;Growth:+0.5;Quality:-0.4;Size:+0.8;Momentum:+0.3;LowVol:+0.6,MaxPos5%;NoMargin,7,25,3.1,hard 10%,114,14.9,Bear,27.3,4.08,1.2,156,26,72,56,false,Rebalance,Shift +1% to bonds from equity,17,11,BrokerA,VWAP,98,None,None,Normal monitoring,12,5,84,4,false,Within IPS guidelines
P7625,Hands-off,IRA,USD,2024-11-11,384045,35383,348662,1.0,57.0,28.4,6.9,7.8,MSFT:27.5%;TSLA:17.4%;VOO:27.5%;IEF:27.5%,US:66.8;EU:16.6;APAC:10.7;EM:3.7;Other:2.1,Value:+0.2;Growth:+0.8;Quality:+0.9;Size:-0.6;Momentum:-0.7;LowVol:+0.9,ESGOnly,7,30,3.2,hard 10%,131,19.1,Bull,11.9,4.82,2.8,74,62,82,43,false,Rebalance,Shift +1% to bonds from equity,-5,-20,BrokerC,LMT,88,None,None,Normal monitoring,-5,-4,20,5,false,Within IPS guidelines
P7626,Cautious,IRA,USD,2024-08-31,743732,100569,643163,1.0,46.5,39.4,0.0,14.1,IEF:19.9%;QQQ:22.5%;VNQ:22.5%;AAPL:20.1%;HYG:15.1%,US:61.5;EU:15.8;APAC:10.9;EM:8.2;Other:3.5,Value:-0.5;Growth:-0.3;Quality:+0.7;Size:+0.1;Momentum:+0.8;LowVol:+0.4,NoMargin,8,25,4.3,hard 10%,104,13.7,Bear,25.1,4.19,1.2,199,-33,48,60,false,Buy,Add to core equity +1%,13,-28,BrokerC,MKT,92,None,None,Normal monitoring,-22,-32,78,3,false,Tax-aware sells next window
P7627,Hands-off,Taxable,USD,2025-11-02,441140,42340,398800,1.0,67.9,23.9,0.0,8.2,MSFT:26.1%;XLF:9.9%;TLT:26.1%;VOO:11.7%;VTI:26.1%,US:76.5;EU:9.5;APAC:6.9;EM:5.4;Other:1.7,Value:-0.7;Growth:-0.2;Quality:+0.7;Size:+0.3;Momentum:+0.3;LowVol:+0.9,,6,30,4.8,trailing 8%,165,19.9,Volatile,27.1,3.56,2.8,152,70,98,74,true,Reduce,"Cut high-beta by 2-3%, add cash",20,15,BrokerC,VWAP,87,RegimeShift,Pause,Volatility spike and breadth deterioration,-41,-48,-46,3,false,Increase defensive factor exposure
P7628,Cautious,IRA,USD,2024-07-05,358449,29722,328727,1.0,39.7,37.7,9.5,13.0,BRK.B:21.8%;TSLA:15.6%;MSFT:21.8%;VNQ:16.4%;VOO:8.3%;HYG:16.0%,US:67.8;EU:16.2;APAC:5.8;EM:7.7;Other:2.5,Value:-0.5;Growth:+0.8;Quality:-0.5;Size:+0.5;Momentum:+0.6;LowVol:+0.9,ESGOnly;MaxPos6%;NoDerivatives;NoMargin,10,35,3.9,hard 10%,103,14.0,Sideways,19.5,3.82,2.1,93,-10,48,34,false,Hedge,Add TLT +1% as duration hedge,26,1,BrokerC,LMT,98,None,None,Normal monitoring,31,14,4,4,false,Within IPS guidelines
P7629,Opportunistic,Trust,USD,2025-08-19,1052040,56360,995680,1.0,69.1,18.5,4.6,7.8,AMZN:21.3%;VTI:17.5%;XLF:17.6%;MSFT:21.8%;AAPL:21.8%,US:63.7;EU:12.9;APAC:15.1;EM:3.8;Other:4.4,Value:+0.1;Growth:+0.1;Quality:+0.4;Size:-0.2;Momentum:-0.9;LowVol:-0.8,,5,35,5.2,hard 12%,269,25.1,Bull,12.2,4.08,2.6,117,80,84,47,false,Rebalance,Shift +1% to bonds from equity,-13,-30,BrokerC,MKT,89,None,None,Normal monitoring,55,-44,139,5,false,Tax-aware sells next window
P7630,Opportunistic,Trust,USD,2024-11-06,475826,38983,436843,1.0,64.5,18.2,10.9,6.5,IEF:21.8%;BRK.B:21.8%;AMZN:16.6%;TLT:18.1%;VNQ:21.8%,US:63.2;EU:13.3;APAC:10.9;EM:10.2;Other:2.4,Value:-0.1;Growth:+0.4;Quality:+0.9;Size:-1.0;Momentum:-0.2;LowVol:-0.3,,5,30,5.0,hard 12%,255,30.8,Volatile,30.6,4.39,2.9,144,19,50,69,true,Hedge,Buy index puts 1% notional,32,2,BrokerD,LMT,85,RegimeShift,Hedge,Volatility spike and breadth deterioration,-10,20,89,5,false,Increase defensive factor exposure
P7631,Opportunistic,401k,USD,2024-08-02,1575557,94896,1480661,1.0,63.3,12.9,18.0,5.8,TSLA:17.0%;GLD:21.9%;AAPL:21.1%;BND:14.2%;MUB:25.8%,US:75.3;EU:13.0;APAC:7.0;EM:2.9;Other:1.8,Value:+0.7;Growth:-0.7;Quality:+0.9;Size:+0.2;Momentum:+0.2;LowVol:+0.1,MaxPos8%;NoDerivatives,7,25,6.2,trailing 7%,272,24.4,Bull,16.3,3.54,2.3,101,93,82,59,false,Sell,Trim extended winner -1%,17,-8,BrokerA,LMT,89,None,None,Normal monitoring,95,-60,114,4,false,Increase defensive factor exposure
P7632,Hands-off,Roth,USD,2024-07-24,803618,75807,727811,1.0,65.8,20.3,5.9,8.0,AMZN:33.3%;VTI:33.3%;VOO:33.3%,US:69.9;EU:11.2;APAC:6.9;EM:7.3;Other:4.6,Value:-0.3;Growth:-0.9;Quality:-0.7;Size:-0.3;Momentum:+0.3;LowVol:+0.3,,6,25,3.7,hard 10%,134,18.0,Bull,14.0,4.18,3.3,101,19,63,48,false,Sell,Trim extended winner -1%,-9,3,BrokerB,VWAP,92,None,None,Normal monitoring,18,-45,67,5,false,Monitor dispersion and breadth
P7633,Systematic,401k,USD,2024-09-08,1998741,193091,1805650,1.0,61.6,31.0,1.4,6.0,VNQ:33.3%;QQQ:33.3%;GLD:33.3%,US:59.3;EU:19.9;APAC:12.3;EM:7.5;Other:1.0,Value:-0.4;Growth:-0.7;Quality:+0.4;Size:-0.8;Momentum:-0.9;LowVol:+0.7,NoDerivatives,10,35,4.8,trailing 8%,158,22.5,Bear,22.7,3.59,1.8,181,-6,41,72,true,Hedge,Buy index puts 1% notional,28,12,BrokerB,VWAP,96,VAR>budget,Reduce,Risk above budget threshold,87,-41,206,5,false,Increase defensive factor exposure
P7634,Cautious,401k,USD,2024-12-07,257005,37679,219326,1.0,45.3,39.1,0.0,15.6,HYG:16.2%;BND:21.0%;GLD:8.5%;VOO:12.7%;VTI:20.6%;TSLA:21.0%,US:69.7;EU:14.5;APAC:9.2;EM:4.2;Other:2.4,Value:-0.1;Growth:0.0;Quality:+0.6;Size:-0.3;Momentum:-0.6;LowVol:-0.2,ESGOnly;NoDerivatives;NoMargin,10,25,5.9,trailing 8%,125,15.4,Bull,11.0,4.15,2.7,71,115,100,35,false,Rebalance,Shift +1% to bonds from equity,-11,-9,BrokerD,VWAP,91,None,None,Normal monitoring,103,-7,232,5,false,Monitor dispersion and breadth
P7635,Systematic,Roth,USD,2025-11-12,1338040,114093,1223947,1.0,55.4,24.9,13.0,6.7,AMZN:27.2%;VNQ:27.2%;BND:27.2%;MUB:18.5%,US:66.2;EU:10.3;APAC:6.8;EM:11.3;Other:5.3,Value:+0.4;Growth:+0.7;Quality:+0.5;Size:+0.8;Momentum:+0.4;LowVol:+1.0,NoDerivatives,6,35,5.3,trailing 9%,195,18.1,Sideways,14.2,3.75,2.7,104,1,37,40,false,Rebalance,Shift +1% to bonds from equity,33,-12,BrokerD,MKT,98,None,None,Normal monitoring,72,-2,108,3,false,Monitor dispersion and breadth
P7636,Opportunistic,IRA,USD,2025-07-25,1654228,87311,1566917,1.0,61.5,11.4,23.0,4.1,BND:16.4%;BRK.B:21.4%;GLD:20.4%;AAPL:21.4%;XLF:20.4%,US:67.3;EU:11.5;APAC:7.3;EM:10.6;Other:3.3,Value:-0.5;Growth:-0.5;Quality:-0.5;Size:-0.7;Momentum:+0.2;LowVol:+0.5,MaxPos7%,7,35,6.9,trailing 9%,241,30.4,Bear,24.2,4.42,2.8,189,-61,24,72,true,Hedge,Buy index puts 1% notional,24,-31,BrokerC,LMT,96,Drift>tolerance,Hedge,Allocation drift beyond policy bands,102,-37,88,3,true,Increase defensive factor exposure
P7637,Systematic,IRA,USD,2024-10-03,776879,41815,735064,1.0,65.5,27.8,0.0,6.6,AMZN:24.6%;GLD:25.1%;AAPL:25.1%;VOO:25.1%,US:59.2;EU:19.6;APAC:11.4;EM:4.7;Other:5.0,Value:-0.1;Growth:+1.0;Quality:-1.0;Size:+0.2;Momentum:-0.6;LowVol:+0.9,NoDerivatives,5,25,5.3,trailing 9%,186,18.3,Volatile,20.9,5.39,2.2,150,16,63,63,false,Rebalance,Shift +1% to bonds from equity,-8,-8,BrokerC,LMT,91,None,None,Normal monitoring,12,8,114,3,false,Monitor dispersion and breadth
P7638,Hands-off,IRA,USD,2025-09-28,295912,25261,270651,1.0,65.3,26.3,2.4,6.0,TSLA:36.7%;AMZN:26.7%;HYG:36.7%,US:66.5;EU:15.5;APAC:10.8;EM:3.6;Other:3.6,Value:-0.0;Growth:-0.5;Quality:0.0;Size:-0.2;Momentum:-0.6;LowVol:+0.6,ESGOnly;MaxPos7%;NoDerivatives,6,35,3.2,trailing 8%,158,13.9,Bull,15.7,3.91,2.4,112,99,100,41,true,Reduce,"Cut high-beta by 2-3%, add cash",-6,-19,BrokerC,MKT,85,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-14,-44,34,5,false,Within IPS guidelines
P7639,Active,IRA,USD,2025-11-25,1434536,105284,1329252,1.0,67.3,21.7,4.6,6.4,AMZN:33.3%;IEF:33.3%;VNQ:33.3%,US:65.8;EU:14.7;APAC:12.3;EM:6.1;Other:1.2,Value:+0.2;Growth:+0.2;Quality:+1.0;Size:-0.6;Momentum:+0.8;LowVol:-0.3,,8,25,5.2,hard 12%,158,27.6,Bull,15.9,4.71,2.6,115,28,49,45,false,Hedge,Add TLT +1% as duration hedge,34,-9,BrokerA,VWAP,99,None,None,Normal monitoring,-27,-27,2,3,false,Increase defensive factor exposure
P7640,Systematic,Taxable,USD,2024-10-24,1767625,98298,1669327,1.0,57.1,26.8,10.9,5.1,BND:10.8%;TSLA:20.8%;MUB:22.8%;VTI:22.8%;BRK.B:22.8%,US:72.7;EU:15.4;APAC:6.6;EM:4.4;Other:0.9,Value:+0.9;Growth:-0.9;Quality:-0.8;Size:-0.1;Momentum:+0.2;LowVol:+0.7,,6,35,4.5,trailing 8%,193,18.9,Volatile,24.9,5.39,3.3,121,4,37,72,true,Hedge,Buy index puts 1% notional,28,-4,BrokerC,MKT,85,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-24,-15,112,5,false,Within IPS guidelines
P7641,Cautious,401k,USD,2025-12-17,721428,107699,613729,1.0,37.2,41.3,5.8,15.7,VOO:22.5%;BRK.B:20.1%;VTI:22.5%;HYG:12.5%;MUB:22.5%,US:61.8;EU:19.1;APAC:10.3;EM:6.1;Other:2.7,Value:-0.3;Growth:+0.5;Quality:+0.9;Size:+0.6;Momentum:-0.4;LowVol:+0.1,ESGOnly;NoDerivatives;NoMargin,7,30,5.2,trailing 10%,142,17.3,Bear,22.5,3.48,2.7,177,-107,5,47,false,Sell,Trim extended winner -1%,-7,6,BrokerD,LMT,86,None,None,Normal monitoring,-28,-7,-6,5,false,Monitor dispersion and breadth
P7642,Opportunistic,Trust,USD,2025-06-13,582024,37670,544354,1.0,68.7,14.3,10.8,6.2,TSLA:33.3%;TLT:33.3%;HYG:33.3%,US:72.5;EU:7.3;APAC:11.3;EM:7.2;Other:1.7,Value:+1.0;Growth:+0.1;Quality:+0.1;Size:+0.2;Momentum:-0.2;LowVol:-0.0,MaxPos6%;NoDerivatives,6,30,4.1,trailing 7%,279,30.1,Bull,12.4,4.17,3.2,115,76,100,56,false,Hedge,Add TLT +1% as duration hedge,3,13,BrokerA,LMT,91,None,None,Normal monitoring,24,10,55,3,false,Monitor dispersion and breadth
P7643,Cautious,401k,USD,2025-04-12,649264,70176,579088,1.0,47.9,33.6,2.2,16.2,HYG:15.2%;IEF:17.7%;MUB:23.1%;VNQ:23.1%;QQQ:20.9%,US:60.5;EU:21.1;APAC:10.4;EM:5.6;Other:2.4,Value:+0.5;Growth:0.0;Quality:+0.9;Size:-1.0;Momentum:+0.8;LowVol:+0.3,NoMargin,5,25,5.3,trailing 8%,100,14.8,Bear,32.7,3.03,2.3,210,-41,25,66,false,Rebalance,Shift +1% to bonds from equity,3,-17,BrokerC,LMT,90,None,None,Normal monitoring,0,-18,110,3,false,Tax-aware sells next window
P7644,Hands-off,401k,USD,2025-05-26,289232,25593,263639,1.0,59.0,22.5,13.2,5.3,HYG:20.0%;TLT:26.7%;VOO:26.7%;TSLA:26.7%,US:66.6;EU:15.1;APAC:7.0;EM:10.4;Other:0.9,Value:-0.6;Growth:+0.8;Quality:-0.1;Size:+0.1;Momentum:+0.3;LowVol:+0.8,,10,25,5.4,trailing 8%,103,16.5,Volatile,25.5,3.59,2.6,113,13,49,62,false,NoAction,Within bands; monitor,34,-32,BrokerC,VWAP,100,None,None,Normal monitoring,86,-28,179,3,false,Tighten stops on momentum names
P7645,Cautious,401k,USD,2025-06-08,810994,86335,724659,1.0,41.8,38.8,6.8,12.7,HYG:18.6%;AAPL:22.4%;MUB:22.4%;BND:9.6%;TLT:15.4%;TSLA:11.5%,US:69.0;EU:16.1;APAC:10.5;EM:3.1;Other:1.3,Value:+0.6;Growth:+0.5;Quality:+0.9;Size:-0.7;Momentum:+0.7;LowVol:-0.3,MaxPos5%;NoMargin,6,35,4.4,trailing 8%,100,16.5,Volatile,28.0,4.16,4.0,126,52,76,58,false,Rebalance,Shift +1% to bonds from equity,-13,-24,BrokerA,VWAP,94,None,None,Normal monitoring,-1,0,-2,5,false,Monitor dispersion and breadth
P7646,Hands-off,IRA,USD,2025-05-31,689235,32016,657219,1.0,68.3,15.7,10.9,5.1,IEF:16.8%;TSLA:22.6%;TLT:9.1%;MUB:14.3%;GLD:14.6%;VOO:22.6%,US:60.5;EU:16.6;APAC:13.6;EM:4.9;Other:4.3,Value:-0.0;Growth:-0.0;Quality:-0.4;Size:+0.9;Momentum:-0.3;LowVol:+0.8,ESGOnly,10,25,3.6,trailing 8%,110,13.3,Volatile,25.1,4.41,4.2,112,-45,13,71,true,Hedge,Buy index puts 1% notional,13,-12,BrokerD,LMT,90,VAR>budget,Hedge,Risk above budget threshold,-50,-44,16,3,false,Tighten stops on momentum names
P7647,Cautious,Roth,USD,2025-04-16,760667,68573,692094,1.0,47.7,38.8,2.9,10.7,BND:33.3%;BRK.B:33.3%;GLD:33.3%,US:65.1;EU:17.2;APAC:8.2;EM:9.4;Other:0.1,Value:+0.1;Growth:-0.2;Quality:-0.0;Size:-0.4;Momentum:+0.2;LowVol:+0.2,NoMargin,10,25,4.6,hard 10%,125,19.9,Bull,14.1,4.57,2.3,88,81,93,31,false,Buy,Add to core equity +1%,3,-1,BrokerB,MKT,93,None,None,Normal monitoring,-39,3,8,3,false,Increase defensive factor exposure
P7648,Hands-off,Taxable,USD,2024-08-15,567226,26651,540575,1.0,61.6,23.4,8.9,6.1,BRK.B:33.3%;HYG:33.3%;TLT:33.3%,US:62.7;EU:13.2;APAC:11.5;EM:8.6;Other:3.9,Value:+0.5;Growth:-0.7;Quality:-0.7;Size:-1.0;Momentum:-0.4;LowVol:+0.7,,8,35,3.4,trailing 8%,165,17.4,Volatile,24.8,3.81,3.5,118,79,100,66,false,Hedge,Add TLT +1% as duration hedge,-11,14,BrokerB,VWAP,100,None,None,Normal monitoring,34,-31,65,5,false,Tighten stops on momentum names
P7649,Hands-off,Roth,USD,2025-05-18,288039,17061,270978,1.0,70.0,20.2,0.0,9.8,HYG:15.3%;AAPL:12.5%;MSFT:20.5%;AMZN:10.8%;BND:20.5%;VOO:20.5%,US:58.2;EU:16.7;APAC:14.1;EM:9.9;Other:1.1,Value:+0.9;Growth:-0.6;Quality:-0.4;Size:+0.7;Momentum:+0.4;LowVol:+0.9,,7,25,5.8,trailing 8%,94,14.9,Volatile,29.1,4.11,2.6,140,-11,47,73,true,Reduce,"Cut high-beta by 2-3%, add cash",28,-1,BrokerC,LMT,96,RegimeShift,Hedge,Volatility spike and breadth deterioration,114,-33,145,2,false,Within IPS guidelines
P7650,Hands-off,Trust,USD,2024-12-21,556954,39005,517949,1.0,67.0,27.2,0.0,5.7,BRK.B:20.0%;MSFT:11.1%;VTI:16.3%;VOO:18.9%;AAPL:20.6%;VNQ:13.1%,US:63.6;EU:12.0;APAC:11.5;EM:8.3;Other:4.6,Value:+0.1;Growth:+0.4;Quality:-0.3;Size:+0.4;Momentum:+0.1;LowVol:-0.6,ESGOnly;MaxPos7%;NoDerivatives,5,30,3.1,trailing 8%,148,13.0,Bull,13.5,4.74,3.2,102,114,100,38,false,Rebalance,Shift +1% to bonds from equity,9,-7,BrokerD,MKT,95,None,None,Normal monitoring,100,-33,119,4,false,Within IPS guidelines
P7651,Active,Trust,USD,2024-10-25,763695,65423,698272,1.0,53.7,22.2,14.4,9.8,AMZN:24.2%;MSFT:26.6%;VTI:22.6%;MUB:26.6%,US:72.5;EU:12.7;APAC:6.2;EM:6.3;Other:2.3,Value:-0.7;Growth:-0.5;Quality:+1.0;Size:-0.7;Momentum:-0.2;LowVol:+0.2,MaxPos7%,10,25,4.8,hard 12%,149,22.4,Sideways,18.6,4.99,3.2,129,34,58,47,false,Rebalance,Shift +1% to bonds from equity,34,-38,BrokerB,VWAP,89,None,None,Normal monitoring,-24,-2,52,5,false,Tax-aware sells next window
P7652,Active,IRA,USD,2025-09-11,2356887,258467,2098420,1.0,65.3,28.6,0.0,6.1,VNQ:21.7%;GLD:26.1%;BND:26.1%;MUB:26.1%,US:71.2;EU:9.8;APAC:6.8;EM:9.6;Other:2.6,Value:+0.7;Growth:0.0;Quality:0.0;Size:+0.7;Momentum:-1.0;LowVol:+0.2,,7,35,4.1,trailing 8%,217,18.5,Bear,31.4,3.03,2.8,216,37,55,77,true,Reduce,"Cut high-beta by 2-3%, add cash",29,-19,BrokerC,MKT,100,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,36,-53,162,3,true,Monitor dispersion and breadth
P7653,Hands-off,401k,USD,2024-11-25,460576,19713,440863,1.0,60.6,28.1,4.4,6.8,XLF:33.3%;HYG:33.3%;VTI:33.3%,US:67.3;EU:7.2;APAC:14.0;EM:8.8;Other:2.6,Value:+0.8;Growth:-0.6;Quality:+0.9;Size:+0.2;Momentum:-0.9;LowVol:-0.7,ESGOnly;MaxPos7%;NoDerivatives,8,30,4.3,trailing 8%,115,14.3,Bull,14.2,3.56,2.1,99,30,54,44,false,Buy,Add to core equity +1%,35,0,BrokerC,LMT,99,None,None,Normal monitoring,11,-56,11,4,false,Tax-aware sells next window
P7654,Active,Trust,USD,2025-06-11,1840772,215349,1625423,1.0,50.8,27.4,12.4,9.4,BND:14.1%;QQQ:23.8%;MUB:14.4%;VOO:23.8%;TSLA:23.8%,US:68.6;EU:10.6;APAC:12.0;EM:7.3;Other:1.4,Value:+0.9;Growth:0.0;Quality:-0.2;Size:+0.2;Momentum:-0.4;LowVol:-0.2,,8,25,4.3,trailing 8%,171,22.3,Volatile,31.6,3.97,2.2,180,22,64,74,true,Reduce,"Cut high-beta by 2-3%, add cash",31,12,BrokerC,LMT,98,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,2,11,47,4,false,Tax-aware sells next window
P7655,Opportunistic,Trust,USD,2025-10-02,971151,37426,933725,1.0,76.7,11.2,6.8,5.3,TSLA:25.4%;MUB:25.4%;VTI:25.4%;IEF:23.8%,US:64.5;EU:14.5;APAC:10.7;EM:6.9;Other:3.3,Value:+0.2;Growth:-0.4;Quality:-0.3;Size:-0.8;Momentum:+0.3;LowVol:-0.9,MaxPos8%;NoDerivatives,7,30,4.4,trailing 9%,251,27.8,Volatile,28.5,4.58,4.3,140,-47,31,79,true,Rebalance,Rebalance back to target bands,-3,-18,BrokerD,VWAP,91,VAR>budget,TightenStops,Risk above budget threshold,-38,-46,88,4,false,Increase defensive factor exposure
P7656,Active,Taxable,USD,2025-04-10,1223025,81694,1141331,1.0,58.1,22.0,13.3,6.6,MUB:14.6%;VNQ:15.8%;VOO:17.2%;TLT:17.0%;XLF:18.3%;MSFT:17.1%,US:67.9;EU:14.8;APAC:7.8;EM:7.5;Other:2.0,Value:+0.4;Growth:+0.2;Quality:-0.1;Size:-0.2;Momentum:-0.9;LowVol:-0.3,MaxPos6%;NoDerivatives,8,25,4.2,trailing 9%,164,23.9,Volatile,30.3,5.28,3.7,153,3,51,81,true,Hedge,Buy index puts 1% notional,-14,13,BrokerB,VWAP,92,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-7,-33,120,2,true,Increase defensive factor exposure
P7657,Hands-off,Trust,USD,2024-08-30,700304,36904,663400,1.0,64.3,19.6,8.1,8.1,BRK.B:25.0%;XLF:25.0%;AMZN:25.0%;VNQ:25.0%,US:61.9;EU:15.4;APAC:8.6;EM:11.8;Other:2.3,Value:+0.2;Growth:+0.7;Quality:+0.1;Size:-0.8;Momentum:+0.1;LowVol:-0.8,,7,30,4.6,trailing 8%,170,13.5,Bull,14.7,3.63,2.2,82,62,88,45,false,Rebalance,Shift +1% to bonds from equity,3,0,BrokerB,LMT,91,None,None,Normal monitoring,-24,-28,107,3,false,Within IPS guidelines
P7658,Systematic,401k,USD,2024-07-19,591271,46011,545260,1.0,62.3,30.5,0.0,7.2,QQQ:8.7%;TSLA:22.9%;HYG:15.1%;MSFT:22.9%;IEF:7.6%;MUB:22.9%,US:63.3;EU:14.4;APAC:13.6;EM:6.5;Other:2.2,Value:+0.5;Growth:-0.2;Quality:-0.1;Size:0.0;Momentum:+0.3;LowVol:+0.4,NoDerivatives,10,30,4.9,hard 12%,142,21.6,Bull,11.2,4.54,2.9,71,81,85,29,true,Rebalance,Rebalance back to target bands,16,-32,BrokerB,LMT,95,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,22,-3,41,2,false,Tax-aware sells next window
P7659,Active,Taxable,USD,2025-12-09,676585,55955,620630,1.0,64.1,29.8,0.0,6.1,AAPL:25.7%;TLT:25.7%;VTI:25.7%;MSFT:22.9%,US:74.1;EU:12.4;APAC:6.4;EM:5.8;Other:1.2,Value:+0.3;Growth:-0.7;Quality:-0.4;Size:-0.1;Momentum:+0.5;LowVol:+0.4,,10,25,5.1,trailing 8%,124,22.7,Sideways,19.3,4.91,3.3,121,56,75,56,false,Buy,Add to core equity +1%,25,-23,BrokerD,LMT,88,None,None,Normal monitoring,52,-3,16,5,false,Monitor dispersion and breadth
P7660,Active,IRA,USD,2025-01-03,2091408,129065,1962343,1.2,63.9,22.4,7.7,6.0,TLT:37.5%;MUB:25.0%;MSFT:37.5%,US:71.3;EU:7.4;APAC:11.6;EM:7.0;Other:2.7,Value:+0.7;Growth:-0.7;Quality:+0.6;Size:+0.8;Momentum:-0.7;LowVol:-0.7,,8,25,4.2,hard 12%,193,19.3,Sideways,17.5,4.21,2.1,99,28,50,55,false,Hedge,Add TLT +1% as duration hedge,20,-8,BrokerD,MKT,99,None,None,Normal monitoring,82,20,105,4,false,Tax-aware sells next window
P7661,Cautious,Trust,USD,2025-10-04,278452,32361,246091,1.0,49.9,35.2,0.3,14.5,MSFT:33.3%;GLD:33.3%;VTI:33.3%,US:66.3;EU:14.2;APAC:10.0;EM:5.2;Other:4.3,Value:-0.6;Growth:-0.2;Quality:-0.4;Size:-0.1;Momentum:-0.4;LowVol:-0.4,ESGOnly;NoMargin,5,35,5.5,hard 10%,97,13.8,Bear,25.8,4.29,1.0,180,-93,6,51,false,Buy,Add to core equity +1%,0,-30,BrokerB,MKT,85,None,None,Normal monitoring,-4,-12,80,5,false,Increase defensive factor exposure
P7662,Cautious,401k,USD,2025-06-26,880677,138514,742163,1.0,46.4,39.8,0.0,13.8,QQQ:33.3%;VOO:33.3%;TSLA:33.3%,US:66.0;EU:14.1;APAC:8.3;EM:8.8;Other:2.8,Value:+0.3;Growth:+1.0;Quality:-0.5;Size:-0.4;Momentum:-0.4;LowVol:-0.4,NoMargin,6,25,3.2,hard 10%,111,12.2,Sideways,17.4,3.61,2.1,93,50,71,38,true,Hedge,Buy index puts 1% notional,-4,1,BrokerC,LMT,97,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-56,-52,-55,4,false,Increase defensive factor exposure
P7663,Active,401k,USD,2025-09-27,958513,64598,893915,1.0,57.3,18.5,16.0,8.1,VNQ:23.1%;MUB:16.9%;BRK.B:16.5%;IEF:23.1%;MSFT:11.2%;XLF:9.2%,US:63.7;EU:14.7;APAC:8.1;EM:11.7;Other:1.8,Value:+0.1;Growth:+0.4;Quality:-0.8;Size:-0.3;Momentum:+0.5;LowVol:-0.9,,8,30,4.9,trailing 9%,166,20.8,Sideways,21.5,3.89,3.3,125,27,54,65,true,Rebalance,Rebalance back to target bands,2,-3,BrokerB,VWAP,89,RegimeShift,Hedge,Volatility spike and breadth deterioration,43,-36,125,4,true,Tighten stops on momentum names
P7664,Opportunistic,Taxable,USD,2025-09-17,874829,28983,845846,1.0,62.4,17.1,13.9,6.7,AAPL:11.0%;XLF:23.0%;BRK.B:17.8%;AMZN:24.1%;VOO:24.1%,US:57.1;EU:14.1;APAC:15.3;EM:12.8;Other:0.7,Value:-0.2;Growth:-0.7;Quality:+0.3;Size:+0.3;Momentum:-0.0;LowVol:+0.1,MaxPos7%,7,25,6.0,hard 12%,199,30.6,Volatile,28.7,4.07,2.6,152,76,89,83,true,Reduce,"Cut high-beta by 2-3%, add cash",23,10,BrokerA,LMT,95,RegimeShift,Hedge,Volatility spike and breadth deterioration,85,17,69,2,false,Tighten stops on momentum names
P7665,Opportunistic,IRA,USD,2025-02-02,695924,56582,639342,1.0,67.0,19.3,6.9,6.7,HYG:21.1%;MUB:10.2%;TSLA:18.1%;BND:17.4%;TLT:21.1%;AMZN:12.1%,US:62.3;EU:18.4;APAC:13.1;EM:5.5;Other:0.8,Value:+1.0;Growth:-0.5;Quality:+0.1;Size:-0.1;Momentum:-0.3;LowVol:-0.2,,6,25,6.6,hard 12%,202,22.5,Bull,12.9,4.41,2.6,90,28,59,41,false,Sell,Trim extended winner -1%,12,-22,BrokerB,LMT,95,None,None,Normal monitoring,-28,-17,-50,4,false,Tax-aware sells next window
P7666,Cautious,Roth,USD,2024-11-28,309541,35732,273809,1.0,45.3,40.2,0.0,14.5,VTI:21.6%;TLT:21.6%;GLD:16.5%;MUB:20.1%;AAPL:20.2%,US:69.0;EU:11.8;APAC:6.1;EM:8.4;Other:4.7,Value:-0.2;Growth:-0.9;Quality:-0.9;Size:+0.9;Momentum:-0.4;LowVol:+0.6,ESGOnly;NoDerivatives;NoMargin,6,30,5.9,hard 10%,90,19.2,Bull,13.9,4.24,2.8,105,94,84,44,false,Hedge,Add TLT +1% as duration hedge,10,-2,BrokerB,MKT,94,None,None,Normal monitoring,104,16,154,4,false,Tax-aware sells next window
P7667,Hands-off,401k,USD,2024-11-07,529859,32195,497664,1.0,61.7,16.3,13.7,8.3,MUB:24.1%;IEF:24.1%;XLF:9.7%;AMZN:24.1%;VOO:17.9%,US:66.6;EU:13.8;APAC:10.3;EM:7.6;Other:1.8,Value:+1.0;Growth:+0.1;Quality:-0.9;Size:+0.3;Momentum:-0.2;LowVol:+0.3,MaxPos5%,6,35,5.5,trailing 10%,119,17.7,Volatile,28.2,5.17,3.9,176,71,97,82,true,Rebalance,Rebalance back to target bands,2,-33,BrokerC,LMT,87,VAR>budget,Pause,Risk above budget threshold,-58,-25,3,5,false,Monitor dispersion and breadth
P7668,Systematic,IRA,USD,2024-09-27,452988,38964,414024,1.0,62.9,28.1,0.0,9.0,HYG:12.6%;MUB:18.1%;VTI:17.6%;IEF:25.9%;AAPL:25.9%,US:70.0;EU:9.7;APAC:8.4;EM:10.8;Other:1.1,Value:-0.1;Growth:+0.3;Quality:+0.1;Size:+0.8;Momentum:+0.6;LowVol:-0.0,MaxPos5%,7,30,5.7,trailing 9%,164,17.0,Bull,16.1,4.57,2.5,113,92,85,41,false,Buy,Add to core equity +1%,23,-39,BrokerB,LMT,94,None,None,Normal monitoring,-7,-13,33,5,false,Monitor dispersion and breadth
P7669,Hands-off,401k,USD,2025-12-21,189641,13249,176392,1.0,72.3,16.3,1.5,10.0,XLF:33.3%;VOO:33.3%;VTI:33.3%,US:74.0;EU:6.9;APAC:9.8;EM:4.2;Other:5.2,Value:+0.8;Growth:+0.2;Quality:+0.8;Size:-0.9;Momentum:-0.5;LowVol:+0.5,,7,35,4.0,trailing 8%,136,15.6,Bear,25.6,4.39,1.7,147,-5,43,79,true,Reduce,"Cut high-beta by 2-3%, add cash",-9,-18,BrokerD,LMT,90,RegimeShift,TightenStops,Volatility spike and breadth deterioration,51,-49,137,3,true,Tax-aware sells next window
P7670,Systematic,Taxable,USD,2025-04-12,1937978,165150,1772828,1.0,60.9,26.3,7.2,5.6,VTI:27.0%;MSFT:27.0%;AAPL:19.0%;HYG:27.0%,US:70.6;EU:11.1;APAC:9.0;EM:8.1;Other:1.3,Value:-0.5;Growth:-0.0;Quality:-0.8;Size:-0.8;Momentum:-0.7;LowVol:+0.3,,10,25,5.6,trailing 9%,217,16.7,Bull,17.1,3.57,3.1,76,81,90,60,false,Hedge,Add TLT +1% as duration hedge,13,15,BrokerB,MKT,93,None,None,Normal monitoring,-42,-52,-77,4,false,Tax-aware sells next window
P7671,Cautious,Roth,USD,2025-02-24,791998,110826,681172,1.0,41.3,42.7,0.0,16.0,AAPL:9.1%;VTI:23.4%;QQQ:23.4%;HYG:8.2%;MUB:23.4%;AMZN:12.5%,US:69.3;EU:10.1;APAC:6.1;EM:10.1;Other:4.5,Value:-0.3;Growth:+0.9;Quality:+0.9;Size:+0.8;Momentum:-0.9;LowVol:+0.9,ESGOnly;MaxPos7%;NoMargin,6,35,3.5,trailing 8%,94,17.1,Bull,14.9,4.95,3.0,120,80,100,26,false,Rebalance,Shift +1% to bonds from equity,15,12,BrokerB,MKT,89,None,None,Normal monitoring,111,14,191,5,false,Monitor dispersion and breadth
P7672,Opportunistic,Taxable,USD,2024-09-16,1192162,91587,1100575,1.0,71.0,14.7,8.4,6.0,QQQ:25.8%;TLT:25.8%;GLD:22.5%;AMZN:25.8%,US:72.3;EU:8.7;APAC:8.4;EM:6.0;Other:4.5,Value:-0.5;Growth:-0.0;Quality:-0.4;Size:+0.7;Momentum:+0.9;LowVol:+1.0,,7,30,6.4,trailing 9%,196,32.7,Sideways,22.0,4.87,3.1,95,26,70,62,false,Buy,Add to core equity +1%,34,12,BrokerB,LMT,90,None,None,Normal monitoring,105,-39,174,3,false,Tax-aware sells next window
P7673,Cautious,Taxable,USD,2025-06-28,626993,77392,549601,1.0,44.1,33.0,10.3,12.5,MSFT:14.3%;BND:18.3%;VOO:14.7%;MUB:17.2%;VTI:16.3%;QQQ:19.1%,US:70.0;EU:15.1;APAC:9.1;EM:4.5;Other:1.3,Value:-0.6;Growth:-0.8;Quality:-0.7;Size:-0.7;Momentum:+0.5;LowVol:-0.4,MaxPos5%;NoMargin,10,35,5.5,trailing 10%,165,16.3,Bull,12.5,4.8,3.2,75,2,41,38,false,NoAction,Within bands; monitor,10,-16,BrokerA,LMT,91,None,None,Normal monitoring,63,-16,160,4,false,Within IPS guidelines
P7674,Opportunistic,401k,USD,2025-11-11,888908,31843,857065,1.0,65.6,21.5,6.8,6.1,TLT:26.1%;IEF:21.8%;QQQ:26.1%;XLF:26.1%,US:68.1;EU:10.7;APAC:9.5;EM:11.6;Other:0.1,Value:-0.4;Growth:-0.5;Quality:+0.5;Size:-0.0;Momentum:-0.1;LowVol:+0.9,MaxPos7%;NoDerivatives,5,30,6.2,trailing 9%,241,28.5,Bull,14.8,4.08,3.4,79,6,61,53,false,Rebalance,Shift +1% to bonds from equity,-7,-23,BrokerA,LMT,88,None,None,Normal monitoring,-48,-12,-60,3,false,Tighten stops on momentum names
P7675,Opportunistic,Taxable,USD,2025-10-30,570825,41973,528852,1.0,68.6,15.4,8.1,7.8,QQQ:33.3%;AMZN:33.3%;VTI:33.3%,US:61.5;EU:15.0;APAC:13.7;EM:6.7;Other:3.2,Value:-0.6;Growth:+1.0;Quality:+0.7;Size:+0.9;Momentum:-0.1;LowVol:-0.0,,6,25,5.3,trailing 7%,183,22.7,Bull,18.0,3.91,2.3,119,93,100,61,false,Sell,Trim extended winner -1%,11,-9,BrokerC,LMT,90,None,None,Normal monitoring,31,-10,132,3,false,Tax-aware sells next window
P7676,Cautious,IRA,USD,2024-09-13,523544,50388,473156,1.0,35.1,33.1,18.3,13.6,MUB:26.7%;TSLA:9.8%;BND:15.2%;VNQ:21.6%;AMZN:26.7%,US:63.3;EU:14.2;APAC:15.7;EM:3.7;Other:3.1,Value:-0.8;Growth:+0.9;Quality:-0.6;Size:-0.2;Momentum:+0.9;LowVol:-0.2,ESGOnly;NoMargin,6,30,4.2,trailing 8%,162,16.0,Bear,22.3,4.24,3.0,204,-31,27,55,false,Hedge,Add TLT +1% as duration hedge,6,-6,BrokerA,MKT,95,None,None,Normal monitoring,-46,0,-43,4,false,Tax-aware sells next window
P7677,Systematic,Taxable,USD,2025-08-08,1800660,113843,1686817,1.0,63.3,24.2,3.1,9.4,TLT:13.1%;IEF:14.3%;BND:21.3%;VNQ:19.8%;MSFT:10.2%;MUB:21.3%,US:61.8;EU:14.6;APAC:12.0;EM:7.6;Other:4.0,Value:0.0;Growth:-0.4;Quality:+0.1;Size:-0.1;Momentum:-1.0;LowVol:+0.3,NoDerivatives,6,30,5.0,hard 12%,225,24.6,Volatile,24.3,4.02,4.0,143,60,72,58,false,Hedge,Add TLT +1% as duration hedge,32,-27,BrokerD,LMT,96,None,None,Normal monitoring,-15,-34,86,4,false,Tax-aware sells next window
P7678,Hands-off,Trust,USD,2024-07-21,761530,71471,690059,1.0,70.4,23.9,0.0,5.7,AAPL:21.7%;VNQ:26.1%;IEF:26.1%;VTI:26.1%,US:66.0;EU:11.8;APAC:12.1;EM:6.5;Other:3.6,Value:+0.8;Growth:-0.7;Quality:+0.7;Size:+0.1;Momentum:-0.6;LowVol:+0.2,MaxPos6%;NoDerivatives,5,35,3.0,trailing 8%,146,16.0,Bear,30.5,3.32,2.8,217,-79,22,77,true,Rebalance,Rebalance back to target bands,4,-19,BrokerC,VWAP,94,VAR>budget,Reduce,Risk above budget threshold,16,-28,104,2,false,Monitor dispersion and breadth
P7679,Hands-off,Roth,USD,2025-01-19,787432,54307,733125,1.0,58.5,18.1,15.8,7.6,BND:34.7%;BRK.B:30.6%;MUB:34.7%,US:67.9;EU:11.5;APAC:5.3;EM:11.0;Other:4.3,Value:+0.6;Growth:+0.5;Quality:+0.3;Size:+0.3;Momentum:+0.1;LowVol:+0.2,,8,35,3.2,trailing 8%,93,16.1,Sideways,20.6,4.39,2.6,138,-11,36,55,false,Sell,Trim extended winner -1%,29,-12,BrokerC,LMT,99,None,None,Normal monitoring,83,-12,108,4,false,Tighten stops on momentum names
P7680,Opportunistic,Roth,USD,2025-07-05,1522353,92805,1429548,1.22,71.0,14.0,8.8,6.2,VNQ:18.4%;VOO:25.1%;BND:16.9%;AAPL:25.1%;BRK.B:14.6%,US:69.4;EU:14.3;APAC:9.0;EM:5.3;Other:2.0,Value:+0.4;Growth:-0.9;Quality:-0.3;Size:+0.9;Momentum:+0.8;LowVol:+0.9,MaxPos8%,6,30,6.0,trailing 9%,206,33.2,Volatile,25.9,5.42,3.3,161,46,74,84,true,Reduce,"Cut high-beta by 2-3%, add cash",26,-30,BrokerC,MKT,88,RegimeShift,Pause,Volatility spike and breadth deterioration,50,-54,20,2,false,Increase defensive factor exposure
P7681,Systematic,401k,USD,2024-12-11,977711,62156,915555,1.0,59.9,31.9,2.4,5.7,HYG:16.4%;TSLA:17.8%;GLD:20.5%;VTI:20.5%;QQQ:17.9%;IEF:7.1%,US:64.9;EU:15.3;APAC:6.7;EM:8.8;Other:4.2,Value:-0.3;Growth:-0.3;Quality:+0.5;Size:+0.7;Momentum:-0.6;LowVol:+0.6,MaxPos5%,10,30,4.4,hard 12%,165,25.9,Bear,24.9,3.97,1.3,131,-53,18,61,true,Rebalance,Rebalance back to target bands,6,14,BrokerC,LMT,99,Drift>tolerance,Hedge,Allocation drift beyond policy bands,71,-19,122,4,false,Monitor dispersion and breadth
P7682,Cautious,Trust,USD,2025-10-28,598991,68292,530699,1.0,46.1,39.4,0.0,14.5,BRK.B:28.8%;TSLA:13.6%;AMZN:28.8%;GLD:28.8%,US:72.1;EU:11.5;APAC:9.7;EM:4.7;Other:2.0,Value:-0.7;Growth:+0.1;Quality:+0.6;Size:-0.3;Momentum:-0.4;LowVol:-0.9,ESGOnly;NoMargin,7,25,3.9,trailing 8%,163,16.6,Volatile,32.0,4.68,3.9,153,76,97,73,true,Reduce,"Cut high-beta by 2-3%, add cash",-9,9,BrokerC,LMT,88,Drift>tolerance,Hedge,Allocation drift beyond policy bands,106,11,95,2,false,Within IPS guidelines
P7683,Opportunistic,IRA,USD,2024-07-11,804741,55611,749130,1.0,63.0,17.7,13.8,5.5,IEF:24.7%;BND:13.5%;MSFT:21.1%;MUB:24.7%;TLT:16.1%,US:61.0;EU:14.0;APAC:11.6;EM:10.7;Other:2.7,Value:+0.7;Growth:+0.1;Quality:+0.1;Size:-1.0;Momentum:-0.9;LowVol:-0.1,,5,25,6.0,trailing 7%,222,22.1,Bear,25.3,4.39,1.1,156,0,49,74,true,Hedge,Buy index puts 1% notional,13,-12,BrokerA,LMT,92,RegimeShift,TightenStops,Volatility spike and breadth deterioration,105,-41,190,2,true,Increase defensive factor exposure
P7684,Active,Roth,USD,2024-09-02,2465404,202054,2263350,1.0,62.8,24.8,5.1,7.3,GLD:17.7%;BND:22.8%;XLF:22.8%;AMZN:16.7%;MUB:20.1%,US:68.6;EU:16.5;APAC:8.5;EM:5.8;Other:0.6,Value:-0.6;Growth:-0.6;Quality:-1.0;Size:-0.0;Momentum:-0.6;LowVol:-0.8,NoDerivatives,8,25,5.4,trailing 9%,123,20.0,Bear,24.9,3.29,1.8,187,-73,5,61,false,Sell,Trim extended winner -1%,28,-17,BrokerD,MKT,96,None,None,Normal monitoring,42,-33,8,4,false,Increase defensive factor exposure
P7685,Cautious,Taxable,USD,2025-06-24,191152,28146,163006,1.0,48.6,33.5,0.2,17.6,IEF:33.3%;BND:33.3%;AMZN:33.3%,US:56.4;EU:19.7;APAC:13.9;EM:8.0;Other:2.0,Value:-0.2;Growth:+0.8;Quality:+0.4;Size:+0.3;Momentum:-0.9;LowVol:-0.4,NoMargin,6,35,3.3,trailing 8%,129,15.0,Sideways,15.6,4.19,2.1,117,-20,28,33,false,Buy,Add to core equity +1%,-15,-1,BrokerC,MKT,92,None,None,Normal monitoring,-7,-24,-1,4,false,Within IPS guidelines
P7686,Opportunistic,Trust,USD,2024-12-18,1577940,87530,1490410,1.0,75.6,10.0,5.4,8.9,BND:22.4%;AMZN:22.4%;GLD:20.1%;VOO:22.4%;VNQ:12.7%,US:70.3;EU:10.6;APAC:12.8;EM:2.9;Other:3.4,Value:-0.3;Growth:+1.0;Quality:-0.0;Size:-0.4;Momentum:+0.3;LowVol:+0.6,,10,30,5.7,trailing 7%,236,29.0,Sideways,15.2,3.85,2.9,129,-6,55,63,false,Rebalance,Shift +1% to bonds from equity,5,4,BrokerA,MKT,95,None,None,Normal monitoring,-58,-18,50,4,false,Within IPS guidelines
P7687,Active,Trust,USD,2025-07-05,2041592,207147,1834445,1.0,51.3,28.5,12.8,7.4,GLD:23.6%;MUB:22.1%;MSFT:23.6%;AAPL:12.8%;HYG:17.9%,US:62.6;EU:12.5;APAC:16.6;EM:7.8;Other:0.5,Value:-0.8;Growth:-0.8;Quality:-0.1;Size:+0.1;Momentum:-0.4;LowVol:-0.5,MaxPos7%,8,30,5.6,hard 12%,182,21.4,Bull,16.2,4.68,2.6,114,40,82,47,false,NoAction,Within bands; monitor,8,-2,BrokerD,LMT,97,None,None,Normal monitoring,101,-50,172,4,false,Within IPS guidelines
P7688,Cautious,Trust,USD,2025-12-08,250154,30592,219562,1.0,53.6,33.0,2.6,10.8,AAPL:33.3%;VNQ:33.3%;MUB:33.3%,US:69.9;EU:11.2;APAC:10.1;EM:8.8;Other:0.0,Value:+0.4;Growth:+0.8;Quality:-0.5;Size:-0.2;Momentum:+0.2;LowVol:-0.4,ESGOnly;NoMargin,5,25,4.5,hard 10%,139,17.1,Bull,14.1,3.91,3.4,112,119,100,36,true,Reduce,"Cut high-beta by 2-3%, add cash",28,8,BrokerA,VWAP,96,RegimeShift,TightenStops,Volatility spike and breadth deterioration,34,7,71,3,false,Tax-aware sells next window
P7689,Active,Trust,USD,2025-09-07,1310028,116241,1193787,1.0,68.2,24.9,0.0,7.0,AAPL:15.9%;MUB:12.3%;VTI:21.0%;VOO:19.4%;QQQ:18.1%;XLF:13.3%,US:59.0;EU:19.3;APAC:12.2;EM:8.4;Other:1.2,Value:+0.2;Growth:+0.9;Quality:+0.6;Size:+0.8;Momentum:-0.1;LowVol:+0.8,,5,30,5.0,hard 12%,133,23.4,Bull,11.2,4.38,3.2,77,84,100,35,false,Rebalance,Shift +1% to bonds from equity,3,-21,BrokerD,MKT,98,None,None,Normal monitoring,105,-8,180,3,false,Within IPS guidelines
P7690,Active,401k,USD,2025-02-21,1614161,149648,1464513,1.0,64.3,25.9,0.0,9.8,VNQ:22.6%;TLT:30.1%;HYG:30.1%;AMZN:17.2%,US:62.9;EU:10.1;APAC:15.2;EM:11.6;Other:0.2,Value:+0.2;Growth:+0.2;Quality:-0.9;Size:-0.5;Momentum:-0.9;LowVol:+0.3,,7,30,5.7,hard 12%,171,26.7,Sideways,21.3,4.48,3.1,134,55,69,54,true,Reduce,"Cut high-beta by 2-3%, add cash",21,-22,BrokerA,LMT,86,VAR>budget,Reduce,Risk above budget threshold,110,9,108,4,false,Increase defensive factor exposure
P7691,Hands-off,IRA,USD,2024-09-21,504628,42225,462403,1.0,60.2,22.2,9.7,7.9,QQQ:13.0%;VOO:24.6%;TLT:13.1%;VNQ:24.6%;XLF:24.6%,US:63.1;EU:8.8;APAC:15.9;EM:7.3;Other:4.9,Value:-0.2;Growth:-1.0;Quality:+0.1;Size:-0.9;Momentum:-0.1;LowVol:-0.1,MaxPos5%,8,30,3.5,trailing 8%,90,12.7,Bear,26.8,3.49,2.8,153,-29,27,62,false,Hedge,Add TLT +1% as duration hedge,29,-32,BrokerA,MKT,91,None,None,Normal monitoring,65,1,49,3,false,Increase defensive factor exposure
P7692,Cautious,Taxable,USD,2025-04-09,485311,53407,431904,1.0,44.0,40.8,3.8,11.5,TSLA:14.9%;MUB:11.0%;AAPL:20.9%;TLT:20.9%;HYG:11.4%;GLD:20.9%,US:58.3;EU:18.6;APAC:9.8;EM:8.7;Other:4.6,Value:+0.8;Growth:+0.1;Quality:+0.1;Size:0.0;Momentum:+0.9;LowVol:+0.4,ESGOnly;MaxPos7%;NoDerivatives;NoMargin,10,35,5.4,trailing 10%,138,13.6,Bear,23.5,3.44,2.4,139,26,73,43,false,Rebalance,Shift +1% to bonds from equity,9,-21,BrokerA,LMT,92,None,None,Normal monitoring,21,-48,142,5,false,Tax-aware sells next window
P7693,Hands-off,Taxable,USD,2025-11-27,483845,44015,439830,1.0,65.5,23.3,1.4,9.8,MUB:14.4%;VOO:17.6%;IEF:19.9%;TSLA:16.6%;BND:18.3%;VNQ:13.2%,US:65.2;EU:16.4;APAC:10.3;EM:6.2;Other:1.9,Value:+1.0;Growth:-0.5;Quality:+0.8;Size:+1.0;Momentum:-0.3;LowVol:-0.0,MaxPos8%,5,30,6.0,trailing 8%,165,16.6,Volatile,24.9,4.24,2.2,138,-34,33,62,false,Rebalance,Shift +1% to bonds from equity,32,13,BrokerB,MKT,95,None,None,Normal monitoring,60,-5,111,5,false,Tax-aware sells next window
P7694,Hands-off,Roth,USD,2024-10-07,354390,21046,333344,1.0,67.5,23.6,0.0,8.9,VTI:33.3%;VNQ:33.3%;TLT:33.3%,US:69.4;EU:15.3;APAC:5.7;EM:7.1;Other:2.4,Value:+1.0;Growth:0.0;Quality:+0.4;Size:+0.1;Momentum:+0.1;LowVol:-0.8,,10,25,4.6,trailing 8%,140,12.6,Volatile,20.5,4.49,4.0,145,-36,27,66,true,Hedge,Buy index puts 1% notional,29,2,BrokerD,VWAP,96,Drift>tolerance,Hedge,Allocation drift beyond policy bands,92,-34,215,2,false,Increase defensive factor exposure
P7695,Cautious,Taxable,USD,2024-08-07,895624,72410,823214,1.0,49.6,33.6,0.0,16.9,TLT:11.4%;VOO:23.4%;QQQ:23.4%;AAPL:9.7%;IEF:23.4%;VNQ:8.7%,US:63.4;EU:14.4;APAC:10.9;EM:7.0;Other:4.2,Value:-0.2;Growth:-0.7;Quality:-0.6;Size:+0.9;Momentum:+1.0;LowVol:+0.9,ESGOnly;MaxPos7%;NoMargin,10,35,5.1,trailing 10%,166,16.6,Sideways,17.6,4.63,2.2,92,1,40,54,false,Sell,Trim extended winner -1%,-4,12,BrokerD,MKT,93,None,None,Normal monitoring,5,-33,137,4,false,Monitor dispersion and breadth
P7696,Cautious,IRA,USD,2025-02-21,442676,42389,400287,1.0,41.9,43.7,1.9,12.5,VNQ:19.6%;BRK.B:10.2%;BND:15.9%;IEF:11.6%;VOO:21.2%;QQQ:21.4%,US:68.6;EU:16.9;APAC:7.4;EM:3.4;Other:3.7,Value:-0.1;Growth:-0.2;Quality:+0.5;Size:-0.3;Momentum:+0.3;LowVol:+0.1,NoMargin,5,30,3.7,trailing 8%,99,13.8,Sideways,15.0,3.53,3.2,97,-13,47,31,false,Rebalance,Shift +1% to bonds from equity,34,-10,BrokerB,LMT,95,None,None,Normal monitoring,14,-10,86,5,false,Monitor dispersion and breadth
P7697,Active,401k,USD,2025-08-01,2432910,263975,2168935,1.0,66.2,22.7,4.7,6.4,VOO:22.3%;QQQ:22.3%;BRK.B:12.9%;MSFT:22.3%;VTI:20.1%,US:63.5;EU:14.0;APAC:7.3;EM:12.1;Other:3.0,Value:-0.7;Growth:-0.8;Quality:+0.5;Size:+0.3;Momentum:-0.9;LowVol:-0.0,,8,35,4.8,trailing 8%,222,23.9,Volatile,26.8,3.96,3.9,157,-1,40,81,true,Rebalance,Rebalance back to target bands,31,-18,BrokerA,VWAP,100,RegimeShift,Reduce,Volatility spike and breadth deterioration,72,15,185,4,false,Tax-aware sells next window
P7698,Hands-off,401k,USD,2025-05-06,182288,9585,172703,1.0,70.1,17.7,6.4,5.8,BND:21.1%;TLT:8.7%;MSFT:20.2%;TSLA:21.1%;IEF:16.9%;XLF:12.1%,US:70.1;EU:13.6;APAC:10.7;EM:5.1;Other:0.4,Value:+0.4;Growth:-0.5;Quality:+0.9;Size:+0.7;Momentum:+0.3;LowVol:+0.9,NoDerivatives,10,25,4.2,trailing 8%,113,16.1,Bull,13.2,3.98,3.1,102,107,95,53,false,Buy,Add to core equity +1%,6,-25,BrokerA,LMT,87,None,None,Normal monitoring,-11,-43,125,5,false,Tighten stops on momentum names
P7699,Cautious,Trust,USD,2025-08-15,690051,72841,617210,1.0,43.0,30.7,11.7,14.6,HYG:21.6%;AAPL:21.6%;TSLA:18.2%;MSFT:21.6%;VTI:17.1%,US:64.6;EU:6.8;APAC:10.9;EM:12.2;Other:5.6,Value:+0.7;Growth:+0.5;Quality:-0.6;Size:+0.5;Momentum:-0.6;LowVol:+0.8,NoDerivatives;NoMargin,7,25,3.3,hard 10%,139,16.4,Bull,15.3,4.37,2.2,104,24,68,36,true,Hedge,Buy index puts 1% notional,6,10,BrokerD,LMT,100,VAR>budget,Hedge,Risk above budget threshold,44,7,86,5,true,Increase defensive factor exposure
P7700,Hands-off,IRA,USD,2025-09-15,500910,49761,451149,1.0,55.8,29.6,6.3,8.2,AMZN:16.7%;VNQ:21.7%;AAPL:17.1%;VOO:21.7%;TLT:13.0%;VTI:9.8%,US:62.4;EU:18.9;APAC:10.9;EM:3.9;Other:3.9,Value:+1.0;Growth:-0.4;Quality:+0.9;Size:+0.9;Momentum:-0.1;LowVol:+0.2,ESGOnly;MaxPos5%,7,30,5.1,trailing 10%,116,19.0,Sideways,21.6,3.76,2.0,135,34,79,61,false,Hedge,Add TLT +1% as duration hedge,32,12,BrokerB,LMT,96,None,None,Normal monitoring,64,18,28,3,false,Monitor dispersion and breadth
P7701,Active,IRA,USD,2025-11-19,697845,70525,627320,1.0,61.8,29.0,2.1,7.2,VTI:21.7%;GLD:15.6%;AMZN:18.2%;MSFT:22.3%;QQQ:22.3%,US:72.7;EU:14.1;APAC:8.7;EM:3.2;Other:1.3,Value:-0.9;Growth:+0.8;Quality:0.0;Size:-0.1;Momentum:-0.2;LowVol:+0.6,MaxPos5%,7,25,4.6,trailing 8%,143,19.8,Bull,16.1,4.56,3.5,105,28,63,55,false,Hedge,Add TLT +1% as duration hedge,10,-12,BrokerB,LMT,93,None,None,Normal monitoring,119,3,115,3,false,Monitor dispersion and breadth
P7702,Cautious,Roth,USD,2024-11-01,378854,35820,343034,1.0,38.3,43.8,4.0,13.8,AAPL:20.7%;MUB:10.9%;HYG:17.4%;VNQ:16.3%;VTI:14.0%;IEF:20.7%,US:68.1;EU:7.3;APAC:17.1;EM:7.3;Other:0.1,Value:-0.8;Growth:-0.4;Quality:-0.9;Size:-0.6;Momentum:-0.6;LowVol:-0.4,ESGOnly;MaxPos8%;NoMargin,5,25,5.7,trailing 8%,152,14.0,Volatile,22.7,3.61,2.5,129,-20,50,54,false,Buy,Add to core equity +1%,5,14,BrokerC,VWAP,94,None,None,Normal monitoring,-3,-13,79,5,false,Tighten stops on momentum names
P7703,Active,Taxable,USD,2025-05-31,2491604,240220,2251384,1.0,58.8,23.5,12.0,5.7,MSFT:33.3%;IEF:33.3%;VOO:33.3%,US:62.3;EU:11.3;APAC:13.5;EM:8.8;Other:4.1,Value:-0.9;Growth:+0.7;Quality:-0.4;Size:-0.4;Momentum:+0.4;LowVol:-0.2,NoDerivatives,5,35,5.5,hard 12%,201,20.9,Bull,15.6,4.32,2.3,118,73,89,46,false,Sell,Trim extended winner -1%,27,-35,BrokerA,MKT,91,None,None,Normal monitoring,40,-60,64,5,false,Tighten stops on momentum names
P7704,Cautious,Trust,USD,2025-09-11,629281,62282,566999,1.0,42.7,41.8,0.7,14.8,QQQ:24.9%;GLD:22.4%;IEF:24.9%;BRK.B:15.6%;TSLA:12.1%,US:63.7;EU:9.2;APAC:11.1;EM:11.6;Other:4.4,Value:-0.5;Growth:+0.2;Quality:-0.6;Size:+0.7;Momentum:+0.3;LowVol:-0.8,ESGOnly;MaxPos7%;NoMargin,5,30,4.5,trailing 8%,107,18.5,Bull,12.3,3.6,3.1,106,62,82,34,false,Buy,Add to core equity +1%,11,-1,BrokerC,VWAP,85,None,None,Normal monitoring,101,-40,228,4,false,Tighten stops on momentum names
P7705,Hands-off,IRA,USD,2024-07-30,845143,64731,780412,1.0,67.9,26.6,0.4,5.1,IEF:15.8%;XLF:21.1%;MSFT:17.6%;TLT:9.3%;HYG:15.1%;BRK.B:21.1%,US:59.4;EU:18.4;APAC:10.9;EM:11.3;Other:0.1,Value:+0.5;Growth:+0.3;Quality:+0.4;Size:-0.5;Momentum:+0.7;LowVol:-0.8,MaxPos6%,6,30,4.7,hard 10%,120,14.9,Sideways,17.8,4.9,3.5,135,58,66,54,false,Buy,Add to core equity +1%,14,11,BrokerC,MKT,100,None,None,Normal monitoring,-1,-34,119,3,false,Within IPS guidelines
P7706,Hands-off,IRA,USD,2024-08-22,868307,56240,812067,1.0,59.7,28.3,4.6,7.4,HYG:12.8%;VOO:23.7%;AAPL:23.7%;MSFT:16.0%;MUB:23.7%,US:71.7;EU:7.8;APAC:14.7;EM:3.1;Other:2.7,Value:-0.0;Growth:-0.3;Quality:-0.9;Size:+0.3;Momentum:-0.5;LowVol:-0.4,ESGOnly,6,35,4.9,hard 10%,167,12.2,Bear,31.7,3.02,1.6,138,-36,22,88,true,Rebalance,Rebalance back to target bands,4,14,BrokerC,MKT,90,VAR>budget,Hedge,Risk above budget threshold,-42,-48,76,4,false,Increase defensive factor exposure
P7707,Systematic,Trust,USD,2025-07-30,1011795,58519,953276,1.0,68.3,22.5,2.0,7.2,AMZN:18.0%;VTI:30.9%;TSLA:30.9%;VNQ:20.2%,US:62.9;EU:16.5;APAC:11.7;EM:6.5;Other:2.3,Value:+0.9;Growth:+0.1;Quality:-0.6;Size:-0.5;Momentum:-0.7;LowVol:+0.7,MaxPos7%;NoDerivatives,6,25,4.7,trailing 8%,178,22.7,Sideways,20.7,4.84,2.5,124,1,41,60,false,Buy,Add to core equity +1%,34,-12,BrokerC,LMT,91,None,None,Normal monitoring,-45,-49,-29,4,false,Tax-aware sells next window
P7708,Hands-off,Trust,USD,2025-03-04,162070,13212,148858,1.0,59.4,25.3,7.2,8.1,XLF:18.0%;MSFT:11.2%;TLT:20.0%;TSLA:18.0%;AMZN:17.5%;BND:15.3%,US:65.0;EU:18.6;APAC:6.9;EM:8.9;Other:0.7,Value:-0.1;Growth:-0.3;Quality:+0.3;Size:-0.7;Momentum:-0.2;LowVol:-0.8,,7,30,3.7,hard 10%,93,15.3,Bull,17.9,3.68,3.2,86,23,55,46,false,Rebalance,Shift +1% to bonds from equity,-1,-32,BrokerA,LMT,89,None,None,Normal monitoring,-46,6,-81,3,false,Tax-aware sells next window
P7709,Systematic,401k,USD,2024-09-30,1226477,49285,1177192,1.0,56.8,30.2,7.3,5.8,BND:29.6%;MUB:35.2%;MSFT:35.2%,US:63.6;EU:10.7;APAC:15.8;EM:4.2;Other:5.7,Value:-1.0;Growth:-0.9;Quality:-0.9;Size:+0.5;Momentum:+0.4;LowVol:+0.6,MaxPos8%,7,25,5.0,trailing 9%,202,16.9,Bull,12.0,4.65,2.3,74,29,73,30,false,Rebalance,Shift +1% to bonds from equity,-10,-22,BrokerC,MKT,93,None,None,Normal monitoring,3,-38,75,4,false,Tax-aware sells next window
P7710,Systematic,Taxable,USD,2025-09-08,433502,18662,414840,1.0,60.0,32.6,0.0,7.4,IEF:17.1%;VOO:17.9%;MSFT:20.4%;TLT:15.1%;GLD:19.3%;XLF:10.3%,US:65.4;EU:12.1;APAC:11.2;EM:8.5;Other:2.8,Value:-1.0;Growth:-0.2;Quality:-0.6;Size:+0.5;Momentum:-0.5;LowVol:+0.3,MaxPos8%,6,25,5.2,trailing 8%,147,20.0,Volatile,26.0,3.66,2.5,116,-4,59,76,true,Hedge,Buy index puts 1% notional,8,-2,BrokerA,LMT,92,Drift>tolerance,Hedge,Allocation drift beyond policy bands,23,-26,110,2,false,Tighten stops on momentum names
P7711,Cautious,401k,USD,2024-11-01,246854,29668,217186,1.0,48.7,41.2,0.0,10.1,TLT:23.9%;MUB:23.9%;MSFT:15.2%;XLF:20.9%;VNQ:16.0%,US:61.6;EU:18.0;APAC:10.2;EM:9.9;Other:0.3,Value:0.0;Growth:+0.3;Quality:-0.6;Size:0.0;Momentum:+0.2;LowVol:-0.6,ESGOnly;MaxPos5%;NoMargin,7,25,3.0,trailing 8%,126,18.9,Volatile,20.4,4.81,3.7,171,75,84,50,true,Reduce,"Cut high-beta by 2-3%, add cash",24,-2,BrokerD,VWAP,99,RegimeShift,Reduce,Volatility spike and breadth deterioration,110,-44,90,3,false,Tax-aware sells next window
P7712,Opportunistic,IRA,USD,2025-12-26,1490899,88925,1401974,1.0,63.8,11.9,19.7,4.7,QQQ:20.7%;VOO:20.8%;VTI:15.4%;HYG:21.6%;BRK.B:21.6%,US:67.4;EU:16.4;APAC:8.7;EM:3.4;Other:4.1,Value:+0.5;Growth:0.0;Quality:+0.3;Size:-0.8;Momentum:-0.4;LowVol:+0.7,MaxPos5%,7,25,6.9,trailing 9%,188,32.6,Sideways,16.6,4.69,2.1,93,53,73,60,false,Buy,Add to core equity +1%,-12,13,BrokerA,MKT,94,None,None,Normal monitoring,50,-1,23,5,false,Tighten stops on momentum names
P7713,Hands-off,IRA,USD,2025-08-16,173008,12382,160626,1.0,70.7,21.5,2.4,5.4,GLD:22.6%;VNQ:21.5%;AAPL:10.7%;MSFT:22.6%;XLF:22.6%,US:73.5;EU:6.0;APAC:15.1;EM:5.2;Other:0.3,Value:-0.6;Growth:+0.4;Quality:-0.7;Size:+0.5;Momentum:-0.9;LowVol:+0.5,NoDerivatives,10,25,4.1,trailing 10%,137,12.4,Bull,15.9,4.56,2.7,99,106,94,58,false,NoAction,Within bands; monitor,0,-26,BrokerA,VWAP,95,None,None,Normal monitoring,37,-35,93,3,false,Monitor dispersion and breadth
P7714,Opportunistic,Roth,USD,2025-09-17,1397900,113162,1284738,1.0,69.1,20.1,4.2,6.7,GLD:11.2%;VNQ:23.2%;BRK.B:23.2%;VTI:22.4%;QQQ:20.1%,US:68.6;EU:15.4;APAC:9.5;EM:3.2;Other:3.2,Value:-0.2;Growth:-0.3;Quality:-0.5;Size:+0.4;Momentum:-0.8;LowVol:+0.5,MaxPos5%;NoDerivatives,5,35,4.9,hard 12%,224,25.5,Sideways,18.4,3.75,3.1,93,59,69,62,true,Rebalance,Rebalance back to target bands,1,-13,BrokerD,MKT,88,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-31,-51,57,4,false,Increase defensive factor exposure
P7715,Systematic,Taxable,USD,2024-10-24,1473107,74054,1399053,1.0,61.9,25.5,5.8,6.7,MSFT:33.3%;VTI:33.3%;IEF:33.3%,US:68.3;EU:14.4;APAC:6.0;EM:9.0;Other:2.4,Value:-0.8;Growth:-0.4;Quality:0.0;Size:-1.0;Momentum:-0.4;LowVol:+0.2,NoDerivatives,5,25,4.2,hard 12%,211,17.9,Bull,12.5,4.31,2.3,83,9,39,41,false,Sell,Trim extended winner -1%,22,4,BrokerB,LMT,86,None,None,Normal monitoring,72,3,57,5,false,Tax-aware sells next window
P7716,Active,IRA,USD,2025-09-28,1779847,190817,1589030,1.06,62.8,22.8,9.2,5.3,MUB:33.3%;AMZN:33.3%;TLT:33.3%,US:69.7;EU:6.8;APAC:7.4;EM:11.3;Other:4.8,Value:-0.4;Growth:+0.2;Quality:-0.4;Size:+0.6;Momentum:-0.2;LowVol:-0.1,MaxPos6%;NoDerivatives,6,25,5.9,trailing 9%,168,17.2,Sideways,20.6,3.96,3.0,98,51,82,52,false,Rebalance,Shift +1% to bonds from equity,13,12,BrokerC,MKT,100,None,None,Normal monitoring,-48,-35,-82,5,false,Within IPS guidelines
P7717,Cautious,Trust,USD,2025-12-18,251620,34714,216906,1.0,42.0,33.5,13.7,10.7,GLD:33.3%;AMZN:33.3%;VTI:33.3%,US:55.6;EU:18.9;APAC:11.6;EM:9.6;Other:4.3,Value:-0.6;Growth:-0.8;Quality:-0.1;Size:-0.9;Momentum:-0.8;LowVol:+0.7,ESGOnly;NoMargin,6,25,3.0,hard 10%,152,15.1,Bull,17.5,4.18,3.3,107,116,96,45,false,NoAction,Within bands; monitor,34,-11,BrokerD,LMT,92,None,None,Normal monitoring,-52,-28,-27,5,false,Monitor dispersion and breadth
P7718,Hands-off,Roth,USD,2025-08-15,404147,28103,376044,1.0,69.8,20.9,0.0,9.3,VTI:10.6%;MSFT:25.3%;MUB:25.3%;VOO:25.3%;XLF:13.5%,US:59.4;EU:15.1;APAC:12.1;EM:10.3;Other:3.1,Value:-0.5;Growth:-0.9;Quality:+1.0;Size:-0.9;Momentum:-0.9;LowVol:-0.8,ESGOnly,8,25,5.9,trailing 8%,158,16.4,Bear,27.5,4.44,1.7,201,-119,5,74,true,Hedge,Buy index puts 1% notional,35,-33,BrokerB,VWAP,99,Drift>tolerance,Hedge,Allocation drift beyond policy bands,74,-56,70,5,false,Monitor dispersion and breadth
P7719,Cautious,IRA,USD,2024-09-08,838163,94835,743328,1.0,50.2,35.2,0.0,14.5,AMZN:33.3%;VNQ:33.3%;XLF:33.3%,US:65.2;EU:10.8;APAC:10.1;EM:11.0;Other:2.9,Value:-0.1;Growth:-0.1;Quality:+0.1;Size:-0.5;Momentum:+0.9;LowVol:-0.8,NoDerivatives;NoMargin,7,30,5.1,trailing 8%,146,19.9,Bear,29.4,3.83,1.8,163,-37,40,75,true,Hedge,Buy index puts 1% notional,6,-9,BrokerC,VWAP,87,VAR>budget,Reduce,Risk above budget threshold,-53,-32,20,2,false,Within IPS guidelines
P7720,Cautious,Taxable,USD,2024-12-07,368080,32683,335397,1.0,40.5,30.1,14.6,14.7,TLT:13.8%;XLF:22.5%;GLD:8.8%;MSFT:9.9%;VNQ:22.5%;HYG:22.5%,US:64.0;EU:16.4;APAC:6.2;EM:10.2;Other:3.2,Value:+0.3;Growth:-0.6;Quality:+0.7;Size:+0.9;Momentum:-0.0;LowVol:-0.0,ESGOnly;NoDerivatives;NoMargin,8,30,5.8,trailing 8%,90,17.6,Sideways,19.0,3.85,2.7,107,-25,26,50,false,Buy,Add to core equity +1%,17,10,BrokerB,MKT,93,None,None,Normal monitoring,81,8,60,3,false,Increase defensive factor exposure
P7721,Cautious,Roth,USD,2024-12-06,307891,25181,282710,1.0,41.6,39.6,7.4,11.3,BND:25.0%;GLD:29.4%;VTI:16.3%;IEF:29.4%,US:67.8;EU:13.3;APAC:9.8;EM:8.6;Other:0.5,Value:+0.7;Growth:+0.7;Quality:+0.7;Size:+0.8;Momentum:-0.7;LowVol:+0.3,ESGOnly;MaxPos6%;NoDerivatives;NoMargin,5,35,5.0,hard 10%,159,17.4,Bear,28.7,3.47,2.4,215,-51,33,53,false,Buy,Add to core equity +1%,-8,8,BrokerB,LMT,94,None,None,Normal monitoring,108,19,104,5,false,Tighten stops on momentum names
P7722,Cautious,401k,USD,2024-09-06,250983,27060,223923,1.0,42.6,38.8,6.0,12.7,IEF:33.3%;TLT:33.3%;AMZN:33.3%,US:62.0;EU:17.9;APAC:6.7;EM:8.5;Other:4.9,Value:+0.2;Growth:+0.1;Quality:-0.5;Size:0.0;Momentum:+0.1;LowVol:-0.3,ESGOnly;NoMargin,10,30,4.8,hard 10%,151,17.6,Sideways,20.9,4.08,3.3,90,-18,56,40,false,Rebalance,Shift +1% to bonds from equity,34,14,BrokerD,LMT,93,None,None,Normal monitoring,20,-37,79,5,false,Increase defensive factor exposure
P7723,Hands-off,Roth,USD,2025-11-04,582309,54037,528272,1.0,58.6,17.2,15.7,8.5,AAPL:23.4%;TLT:16.4%;VTI:23.4%;XLF:23.4%;VOO:13.2%,US:64.7;EU:14.5;APAC:11.8;EM:6.7;Other:2.2,Value:-0.9;Growth:+0.5;Quality:-0.7;Size:-0.7;Momentum:-0.3;LowVol:+0.2,ESGOnly,6,30,4.5,trailing 8%,146,18.5,Bull,12.2,4.24,2.7,99,32,64,47,false,Rebalance,Shift +1% to bonds from equity,23,-4,BrokerA,LMT,100,None,None,Normal monitoring,71,-57,94,5,false,Tighten stops on momentum names
P7724,Hands-off,Taxable,USD,2025-08-13,698151,34442,663709,1.0,64.0,27.2,0.0,8.7,MSFT:20.2%;IEF:23.9%;TSLA:11.3%;XLF:23.9%;VNQ:20.7%,US:66.4;EU:13.3;APAC:6.5;EM:12.2;Other:1.6,Value:-0.7;Growth:-0.8;Quality:+0.1;Size:+0.6;Momentum:-0.5;LowVol:-0.0,ESGOnly;MaxPos7%;NoDerivatives,8,30,3.2,hard 10%,170,19.5,Sideways,21.5,4.6,3.4,118,-11,50,51,false,Hedge,Add TLT +1% as duration hedge,13,14,BrokerB,VWAP,96,None,None,Normal monitoring,105,-56,174,4,false,Increase defensive factor exposure
P7725,Cautious,Roth,USD,2025-05-17,773457,103650,669807,1.0,41.5,35.5,12.5,10.5,VOO:25.0%;MUB:25.0%;VNQ:25.0%;HYG:25.0%,US:69.9;EU:9.4;APAC:9.5;EM:7.4;Other:3.8,Value:-0.6;Growth:-0.7;Quality:-0.2;Size:-0.5;Momentum:-1.0;LowVol:-0.9,MaxPos7%;NoMargin,5,25,3.4,trailing 10%,132,18.8,Bull,17.1,4.49,3.0,91,91,100,46,false,Rebalance,Shift +1% to bonds from equity,26,-1,BrokerB,VWAP,98,None,None,Normal monitoring,-55,20,68,3,false,Tax-aware sells next window
P7726,Opportunistic,Taxable,USD,2025-10-17,1009278,48891,960387,1.0,66.6,14.8,9.8,8.8,BRK.B:20.4%;XLF:22.1%;AAPL:22.1%;VOO:16.3%;QQQ:19.0%,US:74.7;EU:5.6;APAC:8.3;EM:9.8;Other:1.5,Value:-0.8;Growth:-0.1;Quality:+0.9;Size:+0.3;Momentum:+0.9;LowVol:-0.9,,7,30,4.1,hard 12%,221,28.0,Bear,33.2,4.1,1.3,195,-17,32,82,true,Reduce,"Cut high-beta by 2-3%, add cash",29,-14,BrokerC,VWAP,100,VAR>budget,Reduce,Risk above budget threshold,-26,-5,64,2,false,Within IPS guidelines
P7727,Hands-off,Trust,USD,2024-09-08,230157,12035,218122,1.0,71.5,23.2,0.0,5.2,VNQ:33.3%;TLT:33.3%;MUB:33.3%,US:73.0;EU:7.3;APAC:13.2;EM:6.5;Other:0.0,Value:+0.3;Growth:+0.1;Quality:+0.4;Size:-0.3;Momentum:+0.2;LowVol:-0.4,,6,35,3.9,hard 10%,168,15.4,Volatile,27.3,4.23,2.6,180,-2,46,74,true,Hedge,Buy index puts 1% notional,-7,-31,BrokerB,LMT,90,Drift>tolerance,Hedge,Allocation drift beyond policy bands,53,-33,169,3,false,Within IPS guidelines
P7728,Cautious,Trust,USD,2025-12-03,647409,60930,586479,1.0,49.5,32.3,4.3,14.0,QQQ:27.0%;XLF:19.0%;VTI:27.0%;VOO:27.0%,US:70.3;EU:10.9;APAC:8.6;EM:8.5;Other:1.7,Value:-1.0;Growth:0.0;Quality:-0.8;Size:-0.7;Momentum:+1.0;LowVol:+0.5,MaxPos6%;NoMargin,7,35,3.5,trailing 8%,118,19.3,Bull,16.6,4.62,3.4,86,54,81,39,false,Buy,Add to core equity +1%,-1,-36,BrokerD,MKT,99,None,None,Normal monitoring,102,-41,121,4,false,Tax-aware sells next window
P7729,Hands-off,401k,USD,2025-11-02,519961,42174,477787,1.0,55.3,26.7,12.0,6.0,BRK.B:27.4%;IEF:27.4%;HYG:17.9%;QQQ:27.4%,US:68.1;EU:10.0;APAC:9.1;EM:8.4;Other:4.4,Value:-0.1;Growth:+0.4;Quality:+0.5;Size:+0.3;Momentum:+0.5;LowVol:+0.1,ESGOnly;MaxPos6%;NoDerivatives,8,25,5.8,hard 10%,113,17.6,Sideways,17.0,4.45,3.5,97,20,67,57,false,Sell,Trim extended winner -1%,-8,-34,BrokerB,LMT,96,None,None,Normal monitoring,-1,14,101,4,false,Tighten stops on momentum names
P7730,Hands-off,401k,USD,2025-04-25,854094,55125,798969,1.0,56.1,16.1,21.3,6.5,VOO:14.5%;AAPL:22.5%;BND:16.6%;VNQ:13.1%;TSLA:22.5%;QQQ:10.7%,US:67.3;EU:14.5;APAC:12.3;EM:3.3;Other:2.5,Value:-1.0;Growth:+0.4;Quality:-0.7;Size:+0.2;Momentum:-0.1;LowVol:+0.2,ESGOnly,5,25,5.2,trailing 10%,131,14.5,Bear,27.7,4.07,2.6,199,-38,18,71,true,Reduce,"Cut high-beta by 2-3%, add cash",15,-13,BrokerB,VWAP,89,RegimeShift,Pause,Volatility spike and breadth deterioration,66,14,92,3,false,Monitor dispersion and breadth
P7731,Active,Roth,USD,2025-07-28,841646,89905,751741,1.0,53.0,23.0,14.5,9.6,TLT:20.0%;VOO:26.7%;IEF:26.7%;TSLA:26.7%,US:67.5;EU:6.2;APAC:11.7;EM:10.1;Other:4.4,Value:+0.4;Growth:-0.4;Quality:+0.2;Size:-0.6;Momentum:-0.6;LowVol:-0.7,MaxPos7%,5,35,4.3,trailing 9%,210,21.5,Sideways,17.8,4.95,2.0,131,23,67,48,false,Hedge,Add TLT +1% as duration hedge,-13,-18,BrokerC,LMT,86,None,None,Normal monitoring,-9,-56,102,3,false,Monitor dispersion and breadth
P7732,Opportunistic,Roth,USD,2024-08-14,1738098,139371,1598727,1.0,72.8,16.6,2.6,8.0,QQQ:17.8%;TLT:27.4%;XLF:27.4%;VTI:27.4%,US:68.8;EU:17.6;APAC:8.4;EM:5.0;Other:0.3,Value:+0.5;Growth:+0.6;Quality:-0.3;Size:-0.8;Momentum:0.0;LowVol:-0.8,,6,35,4.8,hard 12%,246,32.4,Bear,22.4,3.33,2.4,201,17,57,77,true,Reduce,"Cut high-beta by 2-3%, add cash",-4,-12,BrokerA,MKT,89,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,103,-30,118,5,false,Tighten stops on momentum names
P7733,Active,401k,USD,2025-10-10,711486,56348,655138,1.1,51.9,20.8,18.1,9.2,BND:28.2%;TLT:28.2%;VOO:28.2%;MSFT:15.5%,US:76.4;EU:6.7;APAC:11.4;EM:3.8;Other:1.7,Value:-0.3;Growth:-0.5;Quality:+0.1;Size:-0.9;Momentum:+0.4;LowVol:+0.1,MaxPos8%;NoDerivatives,6,35,5.3,trailing 8%,212,27.0,Sideways,15.4,4.16,3.3,132,42,86,33,false,Buy,Add to core equity +1%,-14,-35,BrokerD,MKT,100,None,None,Normal monitoring,17,-37,-10,3,false,Increase defensive factor exposure
P7734,Hands-off,IRA,USD,2024-08-13,454574,23098,431476,1.0,66.0,20.2,7.9,5.9,TSLA:25.6%;QQQ:17.6%;VNQ:25.6%;AAPL:16.1%;BRK.B:15.2%,US:66.3;EU:10.8;APAC:11.5;EM:9.4;Other:2.0,Value:+0.7;Growth:+0.2;Quality:+1.0;Size:+0.6;Momentum:-0.5;LowVol:-0.9,ESGOnly,10,35,3.4,trailing 8%,162,16.5,Bull,14.4,4.06,3.1,110,43,79,50,false,Buy,Add to core equity +1%,18,-26,BrokerD,VWAP,93,None,None,Normal monitoring,-60,15,69,5,false,Tax-aware sells next window
P7735,Systematic,Trust,USD,2025-11-12,1809948,81136,1728812,1.0,64.3,30.8,0.0,4.9,IEF:25.0%;MSFT:25.0%;GLD:25.0%;TLT:25.0%,US:59.4;EU:19.2;APAC:12.6;EM:4.8;Other:4.1,Value:0.0;Growth:-0.8;Quality:+0.7;Size:-0.0;Momentum:-0.9;LowVol:+0.3,,10,30,5.8,trailing 9%,152,17.1,Sideways,16.1,4.3,2.0,90,57,78,45,false,Rebalance,Shift +1% to bonds from equity,-1,-37,BrokerA,MKT,86,None,None,Normal monitoring,108,-8,108,3,false,Within IPS guidelines
P7736,Systematic,Trust,USD,2025-07-06,1294920,94595,1200325,1.0,61.8,25.5,3.9,8.8,HYG:22.4%;AMZN:22.4%;VTI:18.1%;IEF:22.4%;GLD:14.8%,US:56.7;EU:16.6;APAC:13.0;EM:10.6;Other:3.1,Value:-1.0;Growth:-0.9;Quality:+0.1;Size:+0.4;Momentum:-0.7;LowVol:-0.6,,6,30,4.8,trailing 8%,145,26.0,Volatile,30.9,4.46,2.0,169,-33,41,78,true,Hedge,Buy index puts 1% notional,20,-18,BrokerB,LMT,90,RegimeShift,Reduce,Volatility spike and breadth deterioration,-1,-57,-11,3,false,Tighten stops on momentum names
P7737,Active,Roth,USD,2025-07-19,2381333,153967,2227366,1.0,52.7,26.1,12.6,8.6,BRK.B:22.4%;BND:9.8%;TLT:22.4%;HYG:22.4%;VNQ:10.0%;XLF:13.1%,US:56.9;EU:19.1;APAC:15.7;EM:5.7;Other:2.6,Value:+0.6;Growth:-0.6;Quality:+0.7;Size:+0.1;Momentum:-0.4;LowVol:-0.2,,6,25,5.5,trailing 8%,192,18.6,Bull,11.9,3.9,3.0,105,99,89,45,false,Sell,Trim extended winner -1%,21,-26,BrokerB,LMT,98,None,None,Normal monitoring,68,17,28,5,false,Monitor dispersion and breadth
P7738,Systematic,Trust,USD,2024-12-12,1823678,85232,1738446,1.0,65.8,28.9,0.0,5.3,VNQ:24.3%;MSFT:21.2%;TSLA:24.3%;TLT:11.8%;AMZN:18.3%,US:67.8;EU:11.9;APAC:5.5;EM:11.6;Other:3.1,Value:-0.4;Growth:+0.7;Quality:-0.9;Size:+1.0;Momentum:-0.5;LowVol:+0.8,NoDerivatives,8,30,4.2,trailing 9%,148,27.1,Sideways,15.6,4.18,2.1,123,30,61,57,false,Rebalance,Shift +1% to bonds from equity,33,-3,BrokerA,VWAP,97,None,None,Normal monitoring,-12,-3,-11,4,false,Monitor dispersion and breadth
P7739,Hands-off,Taxable,USD,2024-07-25,632867,44118,588749,1.0,62.9,28.9,0.0,8.2,TSLA:21.6%;IEF:21.6%;AAPL:12.4%;XLF:21.6%;MSFT:11.0%;MUB:11.8%,US:78.0;EU:6.6;APAC:5.3;EM:5.1;Other:4.9,Value:-0.8;Growth:+0.9;Quality:-0.0;Size:-0.1;Momentum:+0.6;LowVol:-0.4,ESGOnly,10,35,5.3,hard 10%,98,13.4,Volatile,25.2,5.49,4.1,111,27,66,77,true,Hedge,Buy index puts 1% notional,-12,-4,BrokerB,LMT,89,Drift>tolerance,Hedge,Allocation drift beyond policy bands,117,0,129,3,false,Monitor dispersion and breadth
P7740,Systematic,Roth,USD,2025-05-01,695443,49970,645473,1.0,62.7,28.9,0.0,8.4,IEF:27.1%;QQQ:27.1%;VNQ:18.7%;XLF:27.1%,US:71.9;EU:8.8;APAC:11.2;EM:4.7;Other:3.4,Value:+0.3;Growth:-1.0;Quality:-0.8;Size:-0.6;Momentum:+0.3;LowVol:+0.7,,8,25,5.5,trailing 8%,151,16.0,Sideways,20.1,3.65,2.2,96,46,82,51,false,Sell,Trim extended winner -1%,35,-9,BrokerC,LMT,90,None,None,Normal monitoring,-33,-45,75,5,false,Within IPS guidelines
P7741,Cautious,Roth,USD,2025-04-21,496912,44037,452875,1.0,39.1,31.7,16.9,12.3,MSFT:27.1%;QQQ:27.1%;IEF:18.6%;VOO:27.1%,US:73.4;EU:13.2;APAC:6.6;EM:3.4;Other:3.4,Value:+0.7;Growth:-0.5;Quality:-0.1;Size:+0.7;Momentum:+0.1;LowVol:-0.1,ESGOnly;NoMargin,8,30,4.7,trailing 8%,167,14.2,Volatile,20.7,4.92,3.7,150,-49,26,42,false,Buy,Add to core equity +1%,0,-39,BrokerC,LMT,94,None,None,Normal monitoring,67,-3,152,3,false,Tighten stops on momentum names
P7742,Opportunistic,401k,USD,2024-12-20,929280,58109,871171,1.0,77.7,13.8,0.3,8.2,MUB:33.3%;QQQ:33.3%;AMZN:33.3%,US:75.6;EU:6.5;APAC:10.6;EM:3.7;Other:3.6,Value:-0.7;Growth:-0.6;Quality:+0.3;Size:-0.2;Momentum:+0.7;LowVol:+0.5,NoDerivatives,5,30,4.9,trailing 7%,171,31.4,Bull,13.0,4.37,3.0,85,50,67,60,true,Rebalance,Rebalance back to target bands,9,14,BrokerB,MKT,95,RegimeShift,Hedge,Volatility spike and breadth deterioration,113,-16,176,4,false,Increase defensive factor exposure
P7743,Active,401k,USD,2024-10-14,593754,40246,553508,1.0,60.2,25.9,8.7,5.2,IEF:33.3%;QQQ:33.3%;GLD:33.3%,US:59.0;EU:9.1;APAC:15.8;EM:11.5;Other:4.6,Value:-0.7;Growth:-0.0;Quality:-0.2;Size:+0.5;Momentum:+1.0;LowVol:+0.9,,10,35,4.6,hard 12%,170,22.8,Bull,14.6,4.5,2.5,99,27,55,45,false,NoAction,Within bands; monitor,24,15,BrokerD,MKT,0,None,None,Normal monitoring,-36,-26,95,3,false,Increase defensive factor exposure
P7744,Systematic,Taxable,USD,2025-07-25,1961216,193144,1768072,1.0,61.4,23.0,8.7,6.9,BRK.B:25.7%;VTI:25.7%;MUB:22.8%;AMZN:25.7%,US:69.4;EU:9.0;APAC:14.6;EM:7.0;Other:0.0,Value:-0.9;Growth:-0.4;Quality:-0.6;Size:-0.1;Momentum:-0.0;LowVol:-0.1,NoDerivatives,8,35,5.3,trailing 8%,197,26.4,Bear,32.8,3.89,1.4,172,27,60,89,true,Hedge,Buy index puts 1% notional,-11,-7,BrokerD,MKT,89,Drift>tolerance,Hedge,Allocation drift beyond policy bands,6,3,31,3,false,Within IPS guidelines
P7745,Cautious,IRA,USD,2025-05-14,741897,103764,638133,1.0,35.0,35.5,18.1,11.4,VTI:19.2%;XLF:26.9%;BND:26.9%;VOO:26.9%,US:72.8;EU:8.8;APAC:5.3;EM:9.7;Other:3.5,Value:-0.2;Growth:+0.8;Quality:+0.2;Size:+1.0;Momentum:-0.5;LowVol:+0.2,MaxPos7%;NoMargin,5,35,4.7,hard 10%,97,17.5,Bull,12.1,3.67,2.4,109,21,64,24,false,Sell,Trim extended winner -1%,-3,-6,BrokerB,MKT,93,None,None,Normal monitoring,-59,-28,32,5,false,Monitor dispersion and breadth
P7746,Hands-off,401k,USD,2025-11-04,796110,38996,757114,1.0,68.9,23.5,0.0,7.6,TLT:30.3%;VOO:34.9%;GLD:34.9%,US:67.3;EU:16.1;APAC:9.2;EM:4.7;Other:2.6,Value:-0.9;Growth:-0.7;Quality:-0.9;Size:-0.9;Momentum:-0.8;LowVol:+0.5,ESGOnly;MaxPos6%;NoDerivatives,8,35,5.7,hard 10%,144,18.7,Bull,11.3,4.93,2.1,112,109,100,41,false,Buy,Add to core equity +1%,9,-24,BrokerD,VWAP,90,None,None,Normal monitoring,-35,0,74,4,false,Within IPS guidelines
P7747,Opportunistic,Trust,USD,2024-09-04,539384,46165,493219,1.0,66.2,21.7,4.9,7.3,VOO:24.3%;TLT:25.2%;BND:25.2%;BRK.B:25.2%,US:63.2;EU:19.7;APAC:9.8;EM:7.3;Other:0.0,Value:-0.5;Growth:-0.5;Quality:-0.1;Size:-0.5;Momentum:+0.6;LowVol:-0.5,NoDerivatives,10,30,4.9,trailing 7%,219,29.0,Bear,26.9,3.82,1.8,219,-22,24,81,true,Reduce,"Cut high-beta by 2-3%, add cash",24,-6,BrokerB,VWAP,98,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-19,19,33,5,false,Within IPS guidelines
P7748,Opportunistic,IRA,USD,2024-09-05,1410797,100408,1310389,1.17,76.4,17.3,0.6,5.6,VNQ:22.8%;MUB:12.2%;AAPL:21.6%;TSLA:8.3%;TLT:12.3%;QQQ:22.8%,US:53.2;EU:21.0;APAC:12.0;EM:9.7;Other:4.1,Value:+0.8;Growth:-0.7;Quality:-0.1;Size:+0.4;Momentum:+0.9;LowVol:+0.6,MaxPos5%,8,35,5.1,hard 12%,189,31.0,Bull,17.8,4.53,2.5,104,102,87,69,false,Rebalance,Shift +1% to bonds from equity,31,-38,BrokerC,MKT,92,None,None,Normal monitoring,45,-29,11,4,false,Within IPS guidelines
P7749,Cautious,401k,USD,2024-09-09,319189,49891,269298,1.0,42.1,30.0,16.8,11.1,TSLA:16.1%;VOO:22.3%;AAPL:9.4%;VTI:22.3%;HYG:7.6%;IEF:22.3%,US:69.9;EU:6.4;APAC:9.6;EM:9.5;Other:4.6,Value:-0.7;Growth:+0.6;Quality:+0.4;Size:-0.2;Momentum:+0.1;LowVol:+0.5,NoDerivatives;NoMargin,10,35,4.3,trailing 8%,146,16.7,Volatile,27.1,5.17,4.4,121,11,67,53,false,Rebalance,Shift +1% to bonds from equity,9,-9,BrokerA,LMT,97,None,None,Normal monitoring,92,-55,59,4,false,Tighten stops on momentum names
P7750,Cautious,401k,USD,2025-07-01,561001,79984,481017,1.0,40.1,40.0,4.4,15.5,XLF:33.3%;HYG:33.3%;MSFT:33.3%,US:70.1;EU:13.4;APAC:5.5;EM:9.6;Other:1.4,Value:+0.8;Growth:+0.5;Quality:-0.4;Size:-0.7;Momentum:-0.8;LowVol:-0.4,ESGOnly;MaxPos6%;NoMargin,7,30,5.2,hard 10%,116,19.6,Bull,11.2,3.93,3.2,93,85,100,19,false,Sell,Trim extended winner -1%,-6,-28,BrokerA,LMT,95,None,None,Normal monitoring,15,18,86,5,false,Increase defensive factor exposure
P7751,Cautious,Taxable,USD,2024-09-14,810879,125884,684995,1.0,35.2,30.4,19.6,14.8,MUB:16.7%;AMZN:13.4%;BND:18.2%;GLD:25.9%;IEF:25.9%,US:67.5;EU:7.2;APAC:15.4;EM:9.8;Other:0.1,Value:+0.7;Growth:+0.9;Quality:-0.8;Size:+0.9;Momentum:-0.5;LowVol:-0.5,ESGOnly;NoDerivatives;NoMargin,10,25,5.6,trailing 8%,143,19.5,Sideways,20.5,3.93,3.0,129,-29,39,41,false,Rebalance,Shift +1% to bonds from equity,8,8,BrokerA,VWAP,97,None,None,Normal monitoring,-57,-46,28,4,false,Tax-aware sells next window
P7752,Active,Taxable,USD,2025-07-09,2157620,215566,1942054,1.0,60.4,32.0,2.1,5.6,MSFT:8.0%;QQQ:15.3%;TSLA:21.6%;AMZN:21.6%;XLF:16.1%;AAPL:17.5%,US:57.3;EU:20.8;APAC:6.1;EM:10.4;Other:5.4,Value:+0.1;Growth:-0.5;Quality:-0.6;Size:+0.8;Momentum:+0.5;LowVol:-0.2,NoDerivatives,10,30,5.1,hard 12%,212,27.2,Bull,15.9,4.85,2.1,93,49,69,38,false,NoAction,Within bands; monitor,14,2,BrokerC,MKT,0,None,None,Normal monitoring,1,-33,25,5,false,Within IPS guidelines
P7753,Systematic,Roth,USD,2025-06-18,687115,28971,658144,1.0,61.7,29.3,0.0,9.0,TSLA:23.9%;HYG:27.9%;BND:27.9%;QQQ:20.4%,US:67.4;EU:16.5;APAC:7.4;EM:8.5;Other:0.2,Value:-0.5;Growth:+0.3;Quality:+0.9;Size:+0.9;Momentum:-0.8;LowVol:-0.4,MaxPos6%,6,25,5.1,trailing 8%,143,18.8,Volatile,28.4,4.28,3.4,121,-34,48,73,true,Rebalance,Rebalance back to target bands,4,9,BrokerB,LMT,90,VAR>budget,Reduce,Risk above budget threshold,-12,0,31,3,false,Tighten stops on momentum names
P7754,Systematic,Roth,USD,2025-07-20,1446972,138931,1308041,1.0,66.1,28.5,0.1,5.3,TLT:33.3%;VNQ:33.3%;AAPL:33.3%,US:67.6;EU:16.5;APAC:9.0;EM:6.1;Other:0.8,Value:-0.4;Growth:-0.7;Quality:+0.9;Size:-0.5;Momentum:+1.0;LowVol:-0.2,,8,25,4.2,trailing 8%,215,25.4,Bull,17.0,4.79,2.9,87,41,84,58,false,Buy,Add to core equity +1%,34,-2,BrokerD,LMT,94,None,None,Normal monitoring,21,16,31,4,false,Increase defensive factor exposure
P7755,Opportunistic,Trust,USD,2024-12-04,1237680,84019,1153661,1.0,75.3,12.8,6.0,5.8,AMZN:23.2%;BRK.B:21.6%;QQQ:14.1%;MUB:17.3%;GLD:23.8%,US:65.2;EU:9.9;APAC:12.9;EM:8.7;Other:3.3,Value:0.0;Growth:+0.7;Quality:-0.7;Size:+0.2;Momentum:-0.8;LowVol:-0.8,NoDerivatives,5,25,7.0,trailing 7%,236,25.1,Sideways,15.0,4.68,3.2,120,45,79,58,false,Rebalance,Shift +1% to bonds from equity,18,15,BrokerA,LMT,94,None,None,Normal monitoring,87,-34,103,3,false,Monitor dispersion and breadth
P7756,Systematic,Taxable,USD,2025-07-17,1377795,92052,1285743,1.0,62.2,31.4,0.0,6.4,AMZN:14.6%;XLF:24.9%;MSFT:24.9%;BND:10.9%;MUB:24.9%,US:65.5;EU:8.7;APAC:9.2;EM:12.2;Other:4.4,Value:+1.0;Growth:-0.5;Quality:0.0;Size:+0.1;Momentum:+0.5;LowVol:-0.4,,10,35,4.9,trailing 8%,207,27.0,Bear,22.7,3.59,2.9,211,-79,23,61,false,Buy,Add to core equity +1%,16,14,BrokerA,MKT,90,None,None,Normal monitoring,27,4,87,3,false,Tighten stops on momentum names
P7757,Hands-off,401k,USD,2025-03-17,870000,61286,808714,1.0,66.3,19.4,5.2,9.1,MUB:21.0%;TSLA:21.0%;TLT:18.3%;GLD:18.8%;XLF:21.0%,US:68.5;EU:10.1;APAC:12.3;EM:8.7;Other:0.5,Value:-1.0;Growth:+0.5;Quality:-0.5;Size:+0.9;Momentum:+0.4;LowVol:+0.8,,6,25,4.0,trailing 8%,160,17.8,Volatile,21.3,4.3,3.1,138,10,44,65,false,Rebalance,Shift +1% to bonds from equity,-8,-1,BrokerD,VWAP,97,None,None,Normal monitoring,21,-9,113,4,false,Tighten stops on momentum names
P7758,Hands-off,401k,USD,2024-09-23,506851,24148,482703,1.0,58.3,18.2,16.9,6.7,VTI:25.8%;MSFT:25.8%;TLT:25.8%;AAPL:22.7%,US:64.0;EU:18.3;APAC:7.6;EM:8.8;Other:1.3,Value:-0.4;Growth:+0.9;Quality:+0.6;Size:+0.4;Momentum:+0.8;LowVol:-0.4,,6,35,4.6,trailing 8%,119,16.1,Bull,13.3,4.65,2.0,83,47,64,47,false,Rebalance,Shift +1% to bonds from equity,1,-6,BrokerD,MKT,90,None,None,Normal monitoring,-38,-47,57,3,false,Monitor dispersion and breadth
P7759,Opportunistic,Trust,USD,2024-12-04,1396817,91075,1305742,1.1,69.6,21.5,0.1,8.8,VNQ:28.5%;MSFT:14.4%;GLD:28.5%;VOO:28.5%,US:70.2;EU:7.0;APAC:14.3;EM:6.0;Other:2.5,Value:-0.8;Growth:0.0;Quality:-0.6;Size:+0.6;Momentum:-0.1;LowVol:-0.7,MaxPos5%,8,30,4.1,hard 12%,242,23.7,Bear,23.3,3.83,2.5,207,-82,5,78,true,Hedge,Buy index puts 1% notional,19,-3,BrokerB,LMT,88,Drift>tolerance,Reduce,Allocation drift beyond policy bands,56,3,49,4,false,Within IPS guidelines
P7760,Systematic,Taxable,USD,2024-12-12,1652138,153368,1498770,1.0,61.2,23.0,8.5,7.2,VTI:25.5%;XLF:23.6%;HYG:25.5%;BRK.B:25.5%,US:73.9;EU:11.6;APAC:9.8;EM:4.6;Other:0.1,Value:+0.2;Growth:+0.5;Quality:+0.6;Size:+0.7;Momentum:+0.5;LowVol:-1.0,,10,35,4.2,hard 12%,172,24.8,Bear,33.8,3.52,1.5,141,26,66,79,true,Hedge,Buy index puts 1% notional,8,-36,BrokerC,LMT,95,Drift>tolerance,Pause,Allocation drift beyond policy bands,96,-11,169,5,false,Monitor dispersion and breadth
P7761,Opportunistic,Taxable,USD,2025-10-21,830741,47649,783092,1.0,70.0,15.8,8.3,5.8,BND:13.4%;XLF:21.0%;GLD:21.0%;TLT:8.8%;VNQ:17.0%;BRK.B:18.8%,US:60.2;EU:16.8;APAC:8.4;EM:10.4;Other:4.1,Value:+0.2;Growth:-0.1;Quality:+0.8;Size:-0.9;Momentum:-0.2;LowVol:+0.4,,8,30,6.2,hard 12%,190,26.3,Volatile,22.8,5.15,3.0,154,80,79,60,false,Sell,Trim extended winner -1%,-4,2,BrokerC,VWAP,98,None,None,Normal monitoring,-16,-10,-7,5,false,Tax-aware sells next window
P7762,Active,Taxable,USD,2024-10-05,852949,77006,775943,1.0,64.4,27.0,0.8,7.8,BND:25.0%;MSFT:25.0%;VOO:25.0%;VNQ:25.0%,US:62.2;EU:19.5;APAC:6.5;EM:8.1;Other:3.8,Value:-0.7;Growth:-0.8;Quality:-0.6;Size:-0.4;Momentum:-0.9;LowVol:-0.4,NoDerivatives,8,35,5.3,hard 12%,142,26.0,Bull,15.6,4.59,2.8,80,120,99,58,false,Hedge,Add TLT +1% as duration hedge,-8,-8,BrokerB,LMT,91,None,None,Normal monitoring,64,-36,156,4,false,Monitor dispersion and breadth
P7763,Opportunistic,401k,USD,2025-08-24,1710620,61254,1649366,1.21,67.3,19.5,6.8,6.3,AMZN:33.3%;VNQ:33.3%;XLF:33.3%,US:65.8;EU:16.5;APAC:6.4;EM:8.9;Other:2.4,Value:-0.0;Growth:-0.5;Quality:+0.6;Size:+0.4;Momentum:+0.3;LowVol:+1.0,,8,30,6.8,hard 12%,205,34.5,Sideways,16.4,4.02,2.8,125,-4,36,54,true,Hedge,Buy index puts 1% notional,11,-39,BrokerA,MKT,93,RegimeShift,TightenStops,Volatility spike and breadth deterioration,-4,-15,112,4,false,Tighten stops on momentum names
P7764,Active,401k,USD,2024-08-05,1300118,99888,1200230,1.06,66.3,20.9,7.0,5.8,TLT:19.2%;XLF:13.7%;IEF:12.6%;BRK.B:20.7%;VTI:17.7%;VOO:16.2%,US:73.7;EU:10.8;APAC:7.5;EM:8.0;Other:0.0,Value:+0.7;Growth:-0.6;Quality:-0.0;Size:-1.0;Momentum:-0.5;LowVol:+0.9,,8,25,5.7,hard 12%,153,22.1,Bull,16.9,4.13,2.4,76,85,98,49,false,Rebalance,Shift +1% to bonds from equity,22,-6,BrokerB,LMT,86,None,None,Normal monitoring,4,-36,99,3,false,Tighten stops on momentum names
P7765,Cautious,Trust,USD,2024-10-28,519311,66189,453122,1.0,47.7,41.7,0.0,10.6,HYG:33.3%;MSFT:33.3%;VOO:33.3%,US:59.1;EU:17.7;APAC:10.9;EM:8.8;Other:3.4,Value:-0.4;Growth:+0.5;Quality:+0.3;Size:-0.5;Momentum:-0.8;LowVol:-0.7,ESGOnly;NoDerivatives;NoMargin,8,30,3.5,trailing 10%,95,12.4,Bull,17.7,3.53,2.7,101,13,63,48,false,Sell,Trim extended winner -1%,28,-34,BrokerA,MKT,95,None,None,Normal monitoring,-9,-31,115,4,false,Tighten stops on momentum names
P7766,Opportunistic,401k,USD,2025-03-26,1312099,108648,1203451,1.12,72.1,17.7,1.2,9.0,TSLA:33.3%;BND:33.3%;VNQ:33.3%,US:65.2;EU:11.8;APAC:10.8;EM:8.9;Other:3.3,Value:-0.5;Growth:0.0;Quality:0.0;Size:-0.2;Momentum:-0.4;LowVol:+0.6,,7,25,5.7,trailing 7%,205,27.1,Bull,17.8,4.87,2.6,118,65,89,48,false,Rebalance,Shift +1% to bonds from equity,-12,-34,BrokerD,MKT,87,None,None,Normal monitoring,71,-39,204,5,false,Tax-aware sells next window
P7767,Cautious,Trust,USD,2024-10-28,724032,100136,623896,1.0,41.6,41.6,6.6,10.2,AAPL:33.3%;TSLA:33.3%;VOO:33.3%,US:64.2;EU:21.6;APAC:5.9;EM:4.6;Other:3.7,Value:+0.4;Growth:0.0;Quality:-0.6;Size:+0.9;Momentum:-0.8;LowVol:0.0,NoMargin,7,35,5.7,trailing 8%,118,16.8,Bear,27.5,3.11,1.6,209,-23,36,67,false,Rebalance,Shift +1% to bonds from equity,34,-8,BrokerB,MKT,86,None,None,Normal monitoring,-24,20,9,5,false,Within IPS guidelines
P7768,Hands-off,IRA,USD,2024-10-19,703851,46503,657348,1.0,68.7,21.0,0.8,9.5,BRK.B:33.3%;BND:33.3%;VOO:33.3%,US:69.7;EU:15.3;APAC:5.7;EM:6.4;Other:2.9,Value:+0.1;Growth:+0.7;Quality:+0.5;Size:-0.0;Momentum:-0.9;LowVol:-0.9,ESGOnly;NoDerivatives,7,25,4.9,trailing 8%,156,17.4,Volatile,28.1,5.37,2.3,136,71,77,75,true,Hedge,Buy index puts 1% notional,-1,-33,BrokerA,LMT,100,VAR>budget,Reduce,Risk above budget threshold,38,-15,107,2,false,Within IPS guidelines
P7769,Cautious,Trust,USD,2024-07-11,869954,76664,793290,1.0,46.3,38.9,0.0,14.8,XLF:25.3%;IEF:25.3%;BND:24.1%;BRK.B:25.3%,US:65.5;EU:6.3;APAC:15.5;EM:10.0;Other:2.7,Value:-1.0;Growth:-0.4;Quality:+0.3;Size:-0.0;Momentum:-0.1;LowVol:-0.8,ESGOnly;MaxPos7%;NoMargin,5,35,6.0,trailing 10%,131,13.0,Bear,34.7,3.25,1.6,171,-30,41,75,true,Reduce,"Cut high-beta by 2-3%, add cash",17,-11,BrokerA,LMT,96,VAR>budget,Reduce,Risk above budget threshold,57,-27,47,4,false,Tax-aware sells next window
P7770,Active,Roth,USD,2024-12-30,1635706,106410,1529296,1.0,54.7,19.0,16.7,9.6,MSFT:25.0%;HYG:25.0%;IEF:25.0%;TLT:25.0%,US:69.3;EU:14.8;APAC:7.9;EM:4.4;Other:3.6,Value:+0.9;Growth:+0.5;Quality:-0.1;Size:-0.3;Momentum:-0.5;LowVol:-0.8,,7,25,5.9,hard 12%,132,25.3,Bull,12.7,3.94,2.7,108,20,67,47,false,Rebalance,Shift +1% to bonds from equity,16,-18,BrokerB,MKT,86,None,None,Normal monitoring,-25,-29,72,5,false,Increase defensive factor exposure
P7771,Systematic,IRA,USD,2025-08-20,1361088,108471,1252617,1.0,55.7,20.8,16.5,7.1,TLT:33.3%;AAPL:33.3%;BND:33.3%,US:61.7;EU:12.9;APAC:15.2;EM:6.8;Other:3.4,Value:+0.8;Growth:-0.6;Quality:-0.3;Size:+1.0;Momentum:+0.7;LowVol:+0.7,MaxPos6%,7,25,5.4,trailing 9%,151,19.1,Bull,15.4,4.07,2.9,104,17,44,43,false,Rebalance,Shift +1% to bonds from equity,27,-25,BrokerC,MKT,94,None,None,Normal monitoring,118,16,82,4,false,Tighten stops on momentum names
P7772,Hands-off,Trust,USD,2025-02-03,454284,30706,423578,1.0,66.8,26.1,0.0,7.1,IEF:33.3%;XLF:33.3%;VTI:33.3%,US:69.2;EU:13.8;APAC:9.9;EM:4.7;Other:2.5,Value:-0.6;Growth:-0.8;Quality:+0.7;Size:-0.6;Momentum:-0.4;LowVol:+0.2,ESGOnly;NoDerivatives,7,30,5.7,trailing 10%,146,19.2,Bull,16.0,3.69,2.7,105,95,88,56,false,Sell,Trim extended winner -1%,7,-27,BrokerB,MKT,91,None,None,Normal monitoring,63,14,187,5,false,Tax-aware sells next window
P7773,Hands-off,401k,USD,2025-02-01,189030,9946,179084,1.0,60.7,23.9,7.9,7.5,VOO:20.4%;GLD:27.9%;MSFT:27.9%;IEF:23.8%,US:73.5;EU:10.5;APAC:9.0;EM:4.7;Other:2.3,Value:+0.7;Growth:-0.0;Quality:-0.6;Size:-0.3;Momentum:-0.9;LowVol:-0.1,,8,25,4.4,trailing 8%,163,19.4,Bull,15.4,4.77,2.1,99,85,97,44,false,Rebalance,Shift +1% to bonds from equity,-12,-33,BrokerC,MKT,98,None,None,Normal monitoring,-50,-22,-63,3,false,Tighten stops on momentum names
P7774,Cautious,Roth,USD,2024-09-01,752272,84562,667710,1.0,53.4,33.2,0.0,13.5,GLD:21.4%;AMZN:23.2%;AAPL:27.7%;VTI:27.7%,US:64.8;EU:15.8;APAC:7.2;EM:8.7;Other:3.4,Value:-0.1;Growth:+0.9;Quality:+0.6;Size:-0.6;Momentum:-0.6;LowVol:+0.3,NoMargin,10,25,3.3,hard 10%,94,17.5,Bull,13.2,3.7,3.5,90,15,57,30,false,Hedge,Add TLT +1% as duration hedge,21,-32,BrokerD,MKT,86,None,None,Normal monitoring,75,-3,40,4,false,Increase defensive factor exposure
P7775,Systematic,Trust,USD,2025-03-15,1812270,119314,1692956,1.0,63.8,25.0,6.0,5.1,AMZN:16.8%;BRK.B:21.0%;VTI:19.2%;IEF:7.0%;XLF:16.4%;TSLA:19.7%,US:72.4;EU:6.3;APAC:13.0;EM:8.3;Other:0.0,Value:-0.3;Growth:-0.2;Quality:+0.9;Size:+0.4;Momentum:+0.5;LowVol:+0.4,MaxPos7%,10,25,5.0,trailing 9%,162,26.7,Bull,16.8,4.11,3.0,114,9,49,59,false,Hedge,Add TLT +1% as duration hedge,25,2,BrokerA,VWAP,89,None,None,Normal monitoring,-55,17,-93,5,false,Increase defensive factor exposure
P7776,Hands-off,Roth,USD,2024-10-24,361153,35456,325697,1.0,71.0,23.5,0.0,5.5,MSFT:20.6%;TSLA:20.3%;IEF:20.5%;VOO:18.6%;HYG:20.1%,US:65.5;EU:8.4;APAC:17.3;EM:7.4;Other:1.5,Value:+0.3;Growth:+0.3;Quality:-0.2;Size:+1.0;Momentum:-0.6;LowVol:-0.2,ESGOnly;MaxPos5%,8,25,3.0,trailing 8%,160,18.9,Sideways,18.3,3.77,2.4,138,54,72,66,false,Sell,Trim extended winner -1%,-2,14,BrokerD,VWAP,92,None,None,Normal monitoring,-23,-45,76,3,false,Tighten stops on momentum names
P7777,Cautious,Taxable,USD,2025-06-06,436616,38498,398118,1.0,45.0,39.1,3.9,12.0,MSFT:14.5%;QQQ:10.9%;BRK.B:20.1%;IEF:18.7%;XLF:17.3%;VNQ:18.4%,US:68.2;EU:18.9;APAC:6.9;EM:3.2;Other:2.8,Value:-0.7;Growth:+0.8;Quality:-0.6;Size:+0.5;Momentum:+0.3;LowVol:-0.1,MaxPos5%;NoDerivatives;NoMargin,5,35,3.5,trailing 10%,102,14.9,Bull,11.7,3.69,3.0,93,5,37,25,false,Buy,Add to core equity +1%,20,4,BrokerD,LMT,96,None,None,Normal monitoring,48,-3,115,4,false,Monitor dispersion and breadth
P7778,Hands-off,Trust,USD,2025-12-07,411320,37885,373435,1.0,71.2,21.8,0.0,7.0,VOO:18.1%;AMZN:20.0%;AAPL:16.7%;TLT:19.2%;VNQ:20.1%;VTI:6.0%,US:64.8;EU:15.0;APAC:7.7;EM:9.5;Other:3.1,Value:-0.8;Growth:+0.8;Quality:+0.8;Size:+0.4;Momentum:+0.9;LowVol:+0.9,ESGOnly,6,35,4.4,trailing 8%,114,16.6,Bull,12.4,4.69,2.8,116,80,100,50,true,Rebalance,Rebalance back to target bands,13,-1,BrokerD,MKT,94,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-25,7,89,2,false,Tighten stops on momentum names
P7779,Hands-off,Trust,USD,2025-09-02,576787,38314,538473,1.0,71.0,18.8,1.6,8.6,IEF:20.5%;VTI:20.5%;VOO:20.5%;GLD:9.8%;VNQ:12.7%;QQQ:16.0%,US:71.4;EU:9.5;APAC:11.1;EM:6.0;Other:2.0,Value:-0.1;Growth:+0.7;Quality:+0.7;Size:+0.7;Momentum:+0.2;LowVol:+0.6,ESGOnly,7,25,3.3,hard 10%,100,17.9,Bear,25.9,4.35,1.6,152,32,69,83,true,Hedge,Buy index puts 1% notional,30,14,BrokerB,MKT,93,VAR>budget,Pause,Risk above budget threshold,32,-57,66,3,false,Within IPS guidelines
P7780,Systematic,Roth,USD,2024-07-22,1246634,102770,1143864,1.0,62.1,33.0,0.0,5.0,TSLA:35.7%;IEF:28.5%;VNQ:35.7%,US:65.9;EU:15.1;APAC:7.3;EM:8.2;Other:3.6,Value:+0.2;Growth:+0.2;Quality:-0.4;Size:+0.4;Momentum:-0.7;LowVol:+0.8,MaxPos7%,6,25,5.8,trailing 9%,179,28.0,Sideways,14.6,4.55,2.3,136,11,57,43,false,Sell,Trim extended winner -1%,27,-13,BrokerC,MKT,99,None,None,Normal monitoring,-59,-40,-36,4,false,Tax-aware sells next window
P7781,Hands-off,Taxable,USD,2025-07-03,276892,25151,251741,1.0,67.1,23.8,0.0,9.0,XLF:25.7%;IEF:22.5%;VTI:13.9%;HYG:25.7%;MSFT:12.2%,US:67.4;EU:18.0;APAC:9.2;EM:4.7;Other:0.7,Value:-0.3;Growth:+1.0;Quality:-0.5;Size:+0.8;Momentum:-0.3;LowVol:-1.0,ESGOnly;MaxPos8%,8,30,5.7,trailing 8%,157,16.9,Volatile,20.9,4.47,2.7,139,-43,22,66,false,Buy,Add to core equity +1%,23,6,BrokerC,MKT,96,None,None,Normal monitoring,97,-21,193,5,false,Monitor dispersion and breadth
P7782,Active,401k,USD,2025-11-26,686359,79084,607275,1.0,62.6,22.1,6.8,8.5,GLD:13.4%;TSLA:21.6%;BND:21.6%;TLT:21.6%;MSFT:21.6%,US:64.0;EU:15.3;APAC:6.8;EM:11.1;Other:2.8,Value:-0.4;Growth:+0.8;Quality:+0.2;Size:-0.7;Momentum:+0.2;LowVol:-0.6,,6,30,4.6,trailing 8%,192,20.6,Bull,17.6,4.7,3.2,75,107,96,48,false,Rebalance,Shift +1% to bonds from equity,-8,-7,BrokerA,MKT,86,None,None,Normal monitoring,-12,-39,18,3,false,Monitor dispersion and breadth
P7783,Active,Trust,USD,2024-12-02,2048523,205789,1842734,1.0,50.8,31.2,10.2,7.7,BND:33.5%;AMZN:33.0%;TLT:33.5%,US:72.6;EU:5.8;APAC:8.1;EM:8.0;Other:5.5,Value:-0.2;Growth:+0.2;Quality:-0.2;Size:-0.3;Momentum:-0.4;LowVol:+0.5,MaxPos6%,10,35,5.4,hard 12%,217,17.8,Volatile,22.2,4.12,2.8,159,-34,24,57,false,Buy,Add to core equity +1%,14,-12,BrokerA,VWAP,90,None,None,Normal monitoring,14,15,28,4,false,Tighten stops on momentum names
P7784,Opportunistic,Taxable,USD,2025-12-11,1792837,92619,1700218,1.0,72.0,19.1,0.0,8.8,AMZN:19.5%;HYG:17.2%;MSFT:22.0%;MUB:22.0%;VOO:19.4%,US:70.0;EU:6.6;APAC:10.6;EM:10.5;Other:2.3,Value:+0.3;Growth:0.0;Quality:-0.0;Size:-0.1;Momentum:+0.8;LowVol:+0.5,NoDerivatives,7,35,6.4,hard 12%,221,31.7,Bull,12.9,3.56,2.1,82,74,97,53,false,Sell,Trim extended winner -1%,-5,-19,BrokerD,LMT,100,None,None,Normal monitoring,118,11,132,4,false,Tax-aware sells next window
P7785,Opportunistic,Roth,USD,2024-11-02,1773945,117378,1656567,1.0,65.3,10.9,16.6,7.2,VNQ:27.3%;VOO:21.4%;HYG:23.9%;MUB:27.3%,US:76.4;EU:6.3;APAC:5.7;EM:9.4;Other:2.1,Value:+0.7;Growth:+0.1;Quality:+0.3;Size:+0.4;Momentum:0.0;LowVol:+0.7,NoDerivatives,5,35,6.8,trailing 9%,261,26.1,Bear,24.2,3.84,2.9,164,-78,5,61,false,Sell,Trim extended winner -1%,-1,-4,BrokerD,MKT,87,None,None,Normal monitoring,46,-33,186,3,false,Tax-aware sells next window
P7786,Systematic,Roth,USD,2025-11-09,1705163,74688,1630475,1.0,65.2,21.1,3.7,10.0,IEF:28.9%;TSLA:28.9%;VNQ:13.3%;AAPL:28.9%,US:75.8;EU:5.6;APAC:6.1;EM:11.2;Other:1.3,Value:+0.4;Growth:-0.0;Quality:+0.5;Size:-0.7;Momentum:+0.7;LowVol:-0.3,NoDerivatives,10,35,5.5,hard 12%,168,17.5,Bull,16.6,4.49,2.2,116,99,89,42,false,Rebalance,Shift +1% to bonds from equity,-14,11,BrokerD,LMT,100,None,None,Normal monitoring,-3,4,82,5,false,Within IPS guidelines
P7787,Hands-off,IRA,USD,2025-01-17,327120,27339,299781,1.0,64.6,25.4,4.4,5.6,TLT:17.5%;BND:14.9%;MUB:12.7%;BRK.B:20.4%;GLD:17.9%;TSLA:16.6%,US:65.2;EU:10.0;APAC:12.0;EM:10.8;Other:1.9,Value:+0.3;Growth:-0.3;Quality:+0.6;Size:0.0;Momentum:+0.8;LowVol:-0.0,ESGOnly,10,30,4.9,trailing 10%,90,12.7,Sideways,19.3,4.83,2.7,136,4,57,60,false,Rebalance,Shift +1% to bonds from equity,-7,-11,BrokerC,MKT,87,None,None,Normal monitoring,50,-21,25,3,false,Within IPS guidelines
P7788,Active,401k,USD,2025-01-24,768472,73025,695447,1.0,55.9,23.0,14.4,6.7,HYG:25.0%;BND:25.0%;BRK.B:25.0%;QQQ:25.0%,US:65.0;EU:15.4;APAC:9.4;EM:10.1;Other:0.1,Value:+0.5;Growth:-0.5;Quality:+0.9;Size:+0.3;Momentum:-0.8;LowVol:+1.0,NoDerivatives,7,25,4.6,trailing 9%,227,27.4,Bear,30.5,4.37,1.5,137,-117,5,79,true,Reduce,"Cut high-beta by 2-3%, add cash",30,-38,BrokerA,MKT,94,VAR>budget,Hedge,Risk above budget threshold,111,-23,166,3,false,Within IPS guidelines
P7789,Hands-off,401k,USD,2025-12-19,718225,53813,664412,1.0,63.8,28.3,0.0,8.0,TSLA:26.2%;VTI:21.3%;VOO:26.2%;BRK.B:26.2%,US:72.1;EU:7.3;APAC:11.8;EM:5.1;Other:3.7,Value:-0.7;Growth:-0.9;Quality:-0.8;Size:-0.3;Momentum:-0.9;LowVol:-0.6,ESGOnly;NoDerivatives,7,35,5.5,trailing 8%,96,12.8,Sideways,15.4,5.0,2.5,119,56,67,40,false,Rebalance,Shift +1% to bonds from equity,-8,-18,BrokerA,MKT,85,None,None,Normal monitoring,-14,-45,14,3,false,Within IPS guidelines
P7790,Hands-off,Taxable,USD,2025-07-27,193430,13262,180168,1.0,72.4,19.3,0.0,8.3,BND:23.0%;QQQ:38.5%;VTI:38.5%,US:72.8;EU:10.2;APAC:7.6;EM:4.2;Other:5.2,Value:0.0;Growth:-0.7;Quality:+0.3;Size:+0.5;Momentum:+0.5;LowVol:+0.8,,8,35,3.7,trailing 8%,138,13.7,Sideways,20.3,4.25,2.5,101,47,59,57,false,Rebalance,Shift +1% to bonds from equity,-1,14,BrokerA,MKT,85,None,None,Normal monitoring,-32,-37,-37,4,false,Tighten stops on momentum names
P7791,Opportunistic,401k,USD,2025-09-22,1428995,95084,1333911,1.09,63.0,17.7,11.3,8.0,AMZN:15.5%;IEF:13.9%;TLT:18.0%;HYG:21.3%;MSFT:21.3%;GLD:9.9%,US:69.2;EU:13.1;APAC:10.8;EM:5.0;Other:1.9,Value:-0.2;Growth:-0.1;Quality:+0.4;Size:-0.8;Momentum:+0.5;LowVol:-0.5,MaxPos5%,10,30,5.2,hard 12%,269,31.9,Volatile,23.7,3.89,2.1,146,-52,25,68,false,Buy,Add to core equity +1%,4,-33,BrokerC,MKT,95,None,None,Normal monitoring,-45,-27,77,4,false,Within IPS guidelines
P7792,Active,IRA,USD,2025-04-05,996159,64787,931372,1.24,66.6,27.1,0.0,6.3,QQQ:11.2%;XLF:25.4%;VNQ:25.4%;AMZN:25.4%;IEF:12.6%,US:73.8;EU:7.9;APAC:13.9;EM:3.1;Other:1.3,Value:-0.1;Growth:+0.1;Quality:-0.9;Size:-0.7;Momentum:+0.3;LowVol:-0.3,,5,35,5.1,hard 12%,161,26.4,Volatile,30.9,4.35,3.4,163,3,54,73,true,Reduce,"Cut high-beta by 2-3%, add cash",6,12,BrokerA,MKT,96,VAR>budget,Hedge,Risk above budget threshold,40,-34,90,3,false,Tighten stops on momentum names
P7793,Systematic,IRA,USD,2025-01-20,1901644,100910,1800734,1.0,62.3,30.4,0.0,7.3,AMZN:33.3%;TLT:33.3%;GLD:33.3%,US:69.7;EU:11.6;APAC:10.1;EM:6.4;Other:2.1,Value:+0.6;Growth:-0.2;Quality:-0.5;Size:-0.7;Momentum:+0.3;LowVol:-0.6,NoDerivatives,5,30,5.6,trailing 9%,191,18.8,Volatile,27.8,4.21,2.7,170,-6,39,62,false,NoAction,Within bands; monitor,15,1,BrokerD,LMT,99,None,None,Normal monitoring,105,19,230,3,false,Tighten stops on momentum names
P7794,Hands-off,Taxable,USD,2025-09-20,727153,53829,673324,1.0,66.3,25.9,0.0,7.8,VOO:22.1%;QQQ:22.9%;BRK.B:22.9%;IEF:9.1%;AMZN:22.9%,US:68.6;EU:10.9;APAC:11.3;EM:8.8;Other:0.3,Value:-0.1;Growth:-0.2;Quality:-0.5;Size:+0.1;Momentum:+1.0;LowVol:-0.1,MaxPos5%,8,30,4.4,trailing 10%,96,12.7,Bull,17.3,4.74,2.1,95,21,63,48,false,Hedge,Add TLT +1% as duration hedge,31,-27,BrokerD,MKT,95,None,None,Normal monitoring,-22,-20,-47,5,false,Increase defensive factor exposure
P7795,Cautious,Roth,USD,2025-11-10,272615,38000,234615,1.0,40.3,42.6,0.0,17.1,BRK.B:17.7%;QQQ:18.3%;HYG:21.3%;MUB:21.3%;AAPL:21.3%,US:72.8;EU:10.9;APAC:8.0;EM:3.5;Other:4.9,Value:-1.0;Growth:+0.2;Quality:+0.3;Size:-0.5;Momentum:-0.5;LowVol:-0.6,ESGOnly;NoMargin,5,35,3.6,trailing 8%,118,19.1,Bull,11.2,3.59,2.5,117,75,94,36,false,Buy,Add to core equity +1%,-14,-27,BrokerB,MKT,89,None,None,Normal monitoring,64,-15,108,5,false,Tax-aware sells next window
P7796,Active,Roth,USD,2025-02-22,2397549,226689,2170860,1.0,53.0,27.6,13.9,5.5,TSLA:26.9%;MSFT:26.9%;VOO:26.9%;VTI:19.4%,US:70.6;EU:11.6;APAC:10.5;EM:2.9;Other:4.3,Value:+0.6;Growth:-0.3;Quality:-0.8;Size:-0.9;Momentum:+0.8;LowVol:-0.7,NoDerivatives,8,25,5.3,trailing 8%,181,23.2,Bull,13.8,3.5,3.2,98,36,61,35,false,Sell,Trim extended winner -1%,-13,-31,BrokerB,MKT,88,None,None,Normal monitoring,59,-15,58,5,false,Within IPS guidelines
P7797,Hands-off,Roth,USD,2025-06-29,255089,17416,237673,1.0,74.1,20.1,0.8,5.0,AAPL:14.5%;TSLA:19.8%;IEF:15.3%;BND:25.8%;AMZN:24.5%,US:70.9;EU:6.0;APAC:13.8;EM:7.2;Other:2.1,Value:+0.4;Growth:-0.2;Quality:-1.0;Size:-0.1;Momentum:+0.9;LowVol:+1.0,MaxPos7%,8,25,4.0,trailing 8%,92,19.4,Volatile,20.6,5.25,3.7,137,76,100,56,false,Rebalance,Shift +1% to bonds from equity,11,-35,BrokerC,LMT,97,None,None,Normal monitoring,57,-43,134,3,false,Tax-aware sells next window
P7798,Hands-off,IRA,USD,2025-03-31,580782,40033,540749,1.0,69.9,23.8,0.0,6.3,VNQ:23.6%;BRK.B:23.6%;QQQ:19.0%;HYG:23.6%;IEF:10.2%,US:62.7;EU:18.0;APAC:12.9;EM:6.3;Other:0.2,Value:-0.7;Growth:+0.2;Quality:-0.3;Size:-0.4;Momentum:-0.7;LowVol:+0.7,,5,35,3.8,trailing 8%,157,13.9,Bull,13.7,3.95,3.5,93,48,63,57,false,Sell,Trim extended winner -1%,18,13,BrokerD,LMT,85,None,None,Normal monitoring,-29,-6,-69,4,false,Monitor dispersion and breadth
P7799,Opportunistic,Taxable,USD,2025-05-14,1085829,50704,1035125,1.07,68.2,14.3,11.6,5.9,BND:33.3%;MUB:33.3%;XLF:33.3%,US:64.3;EU:11.6;APAC:13.2;EM:10.3;Other:0.6,Value:-0.3;Growth:-0.2;Quality:+0.2;Size:-0.3;Momentum:-0.8;LowVol:+1.0,MaxPos5%,10,25,4.5,trailing 7%,239,27.3,Sideways,15.2,3.58,2.4,106,-21,42,44,false,NoAction,Within bands; monitor,21,-40,BrokerB,MKT,0,None,None,Normal monitoring,118,10,258,5,false,Increase defensive factor exposure
P7800,Systematic,Roth,USD,2024-10-29,1947331,98412,1848919,1.0,61.2,27.4,3.3,8.0,VNQ:35.2%;QQQ:35.2%;MSFT:29.6%,US:69.3;EU:10.8;APAC:7.0;EM:9.2;Other:3.7,Value:+0.2;Growth:+0.2;Quality:-0.2;Size:-0.0;Momentum:-0.6;LowVol:+0.2,,10,30,5.5,trailing 9%,167,26.2,Bull,17.5,4.35,2.2,112,111,100,56,false,Rebalance,Shift +1% to bonds from equity,34,0,BrokerC,MKT,85,None,None,Normal monitoring,100,-10,60,4,false,Monitor dispersion and breadth
P7801,Systematic,Trust,USD,2025-02-08,1243636,78507,1165129,1.0,59.0,33.3,0.0,7.6,BRK.B:33.3%;AAPL:33.3%;VOO:33.3%,US:58.2;EU:20.6;APAC:11.1;EM:7.0;Other:3.2,Value:+0.7;Growth:-0.8;Quality:-0.6;Size:+0.8;Momentum:+0.6;LowVol:-0.7,MaxPos7%,6,35,5.9,trailing 9%,160,27.2,Sideways,21.3,4.35,3.0,112,23,71,50,false,Rebalance,Shift +1% to bonds from equity,-15,-15,BrokerC,LMT,93,None,None,Normal monitoring,-28,-27,35,5,false,Within IPS guidelines
P7802,Active,401k,USD,2024-11-08,1903481,128289,1775192,1.19,59.0,28.0,4.6,8.4,VTI:12.7%;BRK.B:18.9%;XLF:16.0%;GLD:20.2%;MSFT:15.4%;MUB:16.9%,US:76.5;EU:9.6;APAC:6.6;EM:3.7;Other:3.6,Value:+0.5;Growth:+0.4;Quality:-0.7;Size:-0.3;Momentum:+0.6;LowVol:+0.3,MaxPos8%,10,25,4.9,trailing 9%,126,21.6,Volatile,21.6,3.51,3.5,167,16,44,57,false,Buy,Add to core equity +1%,15,-4,BrokerB,VWAP,91,None,None,Normal monitoring,-45,-54,31,5,false,Monitor dispersion and breadth
P7803,Active,Taxable,USD,2025-07-01,1129777,96846,1032931,1.19,65.4,26.2,1.5,6.9,XLF:31.4%;MSFT:16.2%;HYG:31.4%;BND:20.9%,US:59.9;EU:13.9;APAC:10.8;EM:10.0;Other:5.3,Value:-0.9;Growth:-0.4;Quality:+0.2;Size:+0.7;Momentum:-0.0;LowVol:-0.5,MaxPos6%,10,35,5.0,hard 12%,209,16.4,Bull,11.7,4.19,2.7,91,36,82,45,false,Buy,Add to core equity +1%,17,-26,BrokerA,LMT,90,None,None,Normal monitoring,-2,-2,130,4,false,Tax-aware sells next window
P7804,Active,Trust,USD,2024-09-06,501564,43056,458508,1.0,61.1,29.6,0.0,9.2,VTI:33.3%;VOO:33.3%;QQQ:33.3%,US:72.2;EU:11.6;APAC:6.6;EM:5.4;Other:4.2,Value:-0.1;Growth:-0.0;Quality:-0.3;Size:-0.5;Momentum:+0.3;LowVol:+0.3,MaxPos7%,6,25,6.0,hard 12%,229,17.7,Sideways,16.0,4.58,2.9,125,24,70,45,false,Rebalance,Shift +1% to bonds from equity,19,4,BrokerD,MKT,97,None,None,Normal monitoring,-11,-24,39,4,false,Tax-aware sells next window
P7805,Hands-off,401k,USD,2024-10-15,669162,32015,637147,1.0,71.2,20.4,2.8,5.5,BRK.B:33.3%;AAPL:33.3%;VOO:33.3%,US:68.5;EU:14.6;APAC:8.4;EM:8.0;Other:0.5,Value:-0.2;Growth:-0.2;Quality:+0.9;Size:-0.8;Momentum:+0.5;LowVol:+0.9,ESGOnly,5,35,4.4,trailing 10%,151,15.2,Bull,14.2,3.72,3.1,117,63,87,50,false,Buy,Add to core equity +1%,6,-23,BrokerD,MKT,98,None,None,Normal monitoring,83,-19,82,4,false,Within IPS guidelines
P7806,Active,IRA,USD,2024-07-08,2182528,224873,1957655,1.09,62.7,31.0,0.7,5.6,VTI:33.3%;AAPL:33.3%;MSFT:33.3%,US:72.7;EU:7.0;APAC:8.8;EM:6.0;Other:5.4,Value:-0.6;Growth:-0.3;Quality:-0.9;Size:-0.8;Momentum:+0.9;LowVol:+0.1,,5,25,4.7,trailing 8%,171,21.7,Sideways,14.3,3.57,3.5,110,58,68,53,true,Rebalance,Rebalance back to target bands,0,6,BrokerD,LMT,95,VAR>budget,Pause,Risk above budget threshold,-21,-16,-27,5,false,Monitor dispersion and breadth
P7807,Active,IRA,USD,2024-10-10,2438286,171118,2267168,1.0,50.4,20.0,21.3,8.3,BRK.B:21.4%;GLD:9.6%;TLT:20.8%;QQQ:12.1%;VOO:17.6%;MSFT:18.6%,US:59.2;EU:19.3;APAC:8.2;EM:11.1;Other:2.2,Value:-0.7;Growth:-0.2;Quality:-0.9;Size:-0.6;Momentum:+0.8;LowVol:+0.4,MaxPos5%;NoDerivatives,10,30,5.0,trailing 9%,191,23.7,Bull,15.0,3.83,3.4,76,14,62,31,false,Rebalance,Shift +1% to bonds from equity,12,-9,BrokerC,LMT,100,None,None,Normal monitoring,-53,-29,87,5,false,Tax-aware sells next window
P7808,Opportunistic,401k,USD,2025-06-07,799017,70622,728395,1.24,73.0,16.6,4.3,6.1,BRK.B:33.3%;AMZN:33.3%;VNQ:33.3%,US:64.9;EU:15.1;APAC:13.5;EM:3.8;Other:2.7,Value:-0.5;Growth:-0.6;Quality:+0.2;Size:-0.9;Momentum:+1.0;LowVol:-0.1,MaxPos8%,5,35,6.4,trailing 9%,240,34.2,Bull,13.2,3.86,2.5,99,56,93,54,false,Rebalance,Shift +1% to bonds from equity,10,12,BrokerA,VWAP,90,None,None,Normal monitoring,14,-6,101,4,false,Monitor dispersion and breadth
P7809,Hands-off,Roth,USD,2024-09-04,342354,27479,314875,1.0,58.7,22.2,14.0,5.2,TLT:24.3%;TSLA:24.3%;QQQ:24.3%;MSFT:13.5%;XLF:13.6%,US:67.4;EU:8.8;APAC:14.7;EM:6.8;Other:2.3,Value:-0.3;Growth:-0.1;Quality:+0.3;Size:+1.0;Momentum:+0.1;LowVol:-0.0,ESGOnly,6,30,4.6,trailing 8%,137,13.8,Volatile,21.9,4.71,2.8,166,-42,14,61,false,Rebalance,Shift +1% to bonds from equity,14,-26,BrokerA,MKT,86,None,None,Normal monitoring,-28,-43,63,4,false,Tax-aware sells next window
P7810,Opportunistic,Taxable,USD,2024-10-22,676606,26562,650044,1.16,73.0,15.9,4.8,6.3,VOO:14.0%;IEF:28.7%;BND:28.7%;XLF:28.7%,US:59.2;EU:19.5;APAC:7.3;EM:9.9;Other:4.0,Value:-0.4;Growth:+0.4;Quality:+0.8;Size:-0.4;Momentum:+0.3;LowVol:-0.0,NoDerivatives,5,25,6.4,trailing 7%,211,33.5,Volatile,28.6,4.47,2.1,143,-55,33,75,true,Hedge,Buy index puts 1% notional,6,-26,BrokerD,MKT,87,RegimeShift,Hedge,Volatility spike and breadth deterioration,46,-25,140,2,false,Monitor dispersion and breadth
P7811,Hands-off,IRA,USD,2025-06-13,467788,29012,438776,1.0,67.3,25.5,0.2,7.0,QQQ:33.3%;MSFT:33.3%;AMZN:33.3%,US:72.3;EU:13.3;APAC:9.8;EM:4.5;Other:0.1,Value:-0.5;Growth:+0.9;Quality:-0.4;Size:-0.3;Momentum:-0.7;LowVol:+0.8,MaxPos5%,10,25,3.7,trailing 8%,113,16.0,Bull,15.3,3.72,3.0,107,113,100,58,false,Rebalance,Shift +1% to bonds from equity,6,-36,BrokerA,LMT,89,None,None,Normal monitoring,75,-46,177,4,false,Tighten stops on momentum names
P7812,Active,Taxable,USD,2024-10-21,1670840,185320,1485520,1.08,50.3,19.2,24.1,6.5,GLD:33.3%;VNQ:33.3%;VTI:33.3%,US:72.8;EU:5.4;APAC:11.9;EM:6.3;Other:3.6,Value:-0.4;Growth:+0.3;Quality:+0.1;Size:+0.1;Momentum:-0.9;LowVol:+0.8,NoDerivatives,7,30,4.1,hard 12%,158,27.8,Volatile,26.0,5.1,2.2,169,-25,22,67,true,Hedge,Buy index puts 1% notional,-9,-10,BrokerA,MKT,94,VAR>budget,Reduce,Risk above budget threshold,-14,-60,-39,3,false,Monitor dispersion and breadth
P7813,Hands-off,401k,USD,2025-03-28,162826,15411,147415,1.0,66.6,27.1,0.0,6.3,AAPL:23.7%;GLD:23.7%;BRK.B:18.2%;VNQ:10.6%;TLT:23.7%,US:53.9;EU:19.0;APAC:13.8;EM:8.8;Other:4.6,Value:-0.3;Growth:-0.9;Quality:+0.3;Size:+0.3;Momentum:-0.4;LowVol:+0.5,NoDerivatives,6,25,5.7,trailing 8%,141,18.0,Sideways,20.6,4.19,2.1,138,48,69,51,false,Sell,Trim extended winner -1%,-15,-17,BrokerC,MKT,93,None,None,Normal monitoring,65,-53,63,4,false,Increase defensive factor exposure
P7814,Active,401k,USD,2025-08-06,2360950,225831,2135119,1.0,58.9,23.4,8.8,8.9,QQQ:5.5%;MUB:17.1%;TLT:20.7%;VTI:15.7%;HYG:20.4%;MSFT:20.7%,US:70.2;EU:11.6;APAC:9.7;EM:6.9;Other:1.6,Value:-0.5;Growth:-0.9;Quality:+0.3;Size:+0.6;Momentum:+0.2;LowVol:-0.2,MaxPos6%,7,35,4.3,trailing 8%,193,16.4,Bull,15.8,3.94,2.0,92,24,64,41,true,Hedge,Buy index puts 1% notional,21,1,BrokerD,VWAP,99,VAR>budget,Hedge,Risk above budget threshold,29,-58,78,2,false,Increase defensive factor exposure
P7815,Cautious,Roth,USD,2024-08-22,380327,43538,336789,1.0,49.2,38.8,1.5,10.5,BRK.B:17.7%;HYG:27.4%;BND:27.4%;QQQ:27.4%,US:68.3;EU:6.6;APAC:14.4;EM:7.8;Other:3.0,Value:+0.7;Growth:+0.3;Quality:+0.8;Size:+0.7;Momentum:+0.1;LowVol:+0.2,MaxPos6%;NoMargin,7,30,4.0,trailing 8%,105,14.7,Bull,17.9,4.04,2.3,95,32,62,44,true,Hedge,Buy index puts 1% notional,-9,-38,BrokerD,MKT,100,Drift>tolerance,Reduce,Allocation drift beyond policy bands,22,-60,33,2,false,Tax-aware sells next window
P7816,Cautious,Taxable,USD,2024-12-17,417155,61056,356099,1.0,42.1,33.7,13.2,11.0,QQQ:33.3%;XLF:33.3%;AAPL:33.3%,US:68.8;EU:12.0;APAC:8.9;EM:9.2;Other:1.1,Value:+0.4;Growth:-0.3;Quality:+0.5;Size:-0.0;Momentum:+0.9;LowVol:+0.5,MaxPos6%;NoDerivatives;NoMargin,5,25,5.4,hard 10%,101,12.5,Volatile,24.2,4.47,4.2,141,-11,30,47,false,Rebalance,Shift +1% to bonds from equity,18,13,BrokerC,MKT,86,None,None,Normal monitoring,104,-49,96,3,false,Tax-aware sells next window
P7817,Hands-off,IRA,USD,2025-05-06,434164,34775,399389,1.0,70.3,18.5,4.3,6.8,GLD:26.9%;MSFT:23.4%;VNQ:22.8%;AMZN:26.9%,US:64.4;EU:19.6;APAC:6.6;EM:7.0;Other:2.4,Value:-0.1;Growth:+0.7;Quality:-0.7;Size:-0.6;Momentum:-0.4;LowVol:+0.9,NoDerivatives,6,35,5.9,trailing 10%,115,17.2,Volatile,28.1,3.98,4.2,126,20,47,80,true,Reduce,"Cut high-beta by 2-3%, add cash",9,-21,BrokerB,MKT,88,Drift>tolerance,Hedge,Allocation drift beyond policy bands,108,-14,108,5,false,Tax-aware sells next window
P7818,Opportunistic,Trust,USD,2025-03-25,552718,32565,520153,1.0,73.1,18.0,2.7,6.2,AMZN:33.3%;HYG:33.3%;TSLA:33.3%,US:68.9;EU:12.6;APAC:9.6;EM:8.9;Other:0.0,Value:+0.6;Growth:-0.3;Quality:-0.3;Size:+0.5;Momentum:-0.1;LowVol:+0.8,MaxPos5%,10,25,5.8,hard 12%,266,21.1,Bull,13.5,4.61,2.6,86,102,95,53,true,Hedge,Buy index puts 1% notional,2,-24,BrokerC,LMT,92,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-48,-6,-68,4,false,Tax-aware sells next window
P7819,Cautious,Roth,USD,2025-11-16,893929,85134,808795,1.0,44.3,42.8,0.0,12.9,AAPL:25.8%;VOO:22.7%;TLT:25.8%;XLF:25.8%,US:61.4;EU:14.5;APAC:14.3;EM:7.1;Other:2.6,Value:+0.4;Growth:-0.7;Quality:+0.2;Size:+0.6;Momentum:+0.1;LowVol:+0.4,NoMargin,6,30,4.6,trailing 8%,112,18.8,Volatile,26.6,3.66,2.3,175,20,54,66,false,Rebalance,Shift +1% to bonds from equity,-8,14,BrokerA,VWAP,92,None,None,Normal monitoring,40,-4,155,4,false,Tighten stops on momentum names
P7820,Opportunistic,Trust,USD,2025-03-22,480340,21346,458994,1.0,72.5,15.4,3.9,8.2,VTI:33.3%;BRK.B:33.3%;QQQ:33.3%,US:63.7;EU:13.4;APAC:14.8;EM:7.5;Other:0.6,Value:-0.0;Growth:-0.6;Quality:-0.8;Size:-0.2;Momentum:+0.8;LowVol:+0.3,,6,35,5.4,hard 12%,267,28.4,Sideways,14.2,3.67,3.2,121,15,43,53,false,NoAction,Within bands; monitor,7,-20,BrokerA,MKT,0,None,None,Normal monitoring,-15,-57,-49,5,false,Tighten stops on momentum names
P7821,Active,401k,USD,2025-11-14,784258,77190,707068,1.0,54.6,25.8,12.9,6.7,HYG:27.2%;GLD:27.2%;IEF:27.2%;QQQ:18.3%,US:61.9;EU:15.0;APAC:14.5;EM:5.7;Other:2.9,Value:-0.4;Growth:+0.2;Quality:0.0;Size:+0.1;Momentum:-0.2;LowVol:+0.6,,7,35,5.7,trailing 8%,154,25.4,Volatile,23.1,4.03,4.3,153,-54,19,60,false,Rebalance,Shift +1% to bonds from equity,-3,-16,BrokerA,LMT,89,None,None,Normal monitoring,-34,5,-46,3,false,Tighten stops on momentum names
P7822,Systematic,Roth,USD,2024-11-21,789101,31787,757314,1.0,65.3,26.1,0.0,8.6,TLT:20.2%;TSLA:20.2%;BRK.B:17.0%;VOO:7.8%;VNQ:18.0%;XLF:16.7%,US:63.0;EU:16.7;APAC:8.2;EM:7.9;Other:4.2,Value:+0.6;Growth:+0.7;Quality:-0.5;Size:-0.7;Momentum:+0.6;LowVol:-0.6,MaxPos5%,6,25,5.8,trailing 8%,169,18.7,Bull,13.1,3.59,2.6,91,53,65,51,false,Rebalance,Shift +1% to bonds from equity,17,6,BrokerD,LMT,100,None,None,Normal monitoring,41,6,56,3,false,Increase defensive factor exposure
P7823,Cautious,Taxable,USD,2025-04-22,574215,70514,503701,1.0,49.5,34.8,1.5,14.2,TLT:16.6%;IEF:20.6%;AAPL:14.7%;BRK.B:20.1%;VOO:7.4%;MSFT:20.6%,US:64.1;EU:15.7;APAC:10.3;EM:8.7;Other:1.1,Value:+0.6;Growth:0.0;Quality:+0.4;Size:+0.1;Momentum:+0.7;LowVol:+0.7,ESGOnly;NoMargin,5,35,3.6,hard 10%,140,18.9,Bull,17.3,4.84,2.9,88,83,100,37,false,Rebalance,Shift +1% to bonds from equity,6,4,BrokerA,MKT,100,None,None,Normal monitoring,-23,8,-12,5,false,Tighten stops on momentum names
P7824,Systematic,401k,USD,2025-11-24,1939046,148613,1790433,1.0,69.3,23.4,0.3,7.0,MUB:15.9%;AAPL:19.6%;TSLA:20.3%;IEF:12.3%;BRK.B:16.7%;BND:15.1%,US:62.7;EU:20.1;APAC:11.0;EM:4.5;Other:1.8,Value:+0.1;Growth:-0.8;Quality:-0.0;Size:+0.3;Momentum:-0.2;LowVol:+0.2,,5,30,5.5,trailing 8%,130,23.7,Bull,13.3,4.16,2.7,86,120,100,52,false,Sell,Trim extended winner -1%,28,-17,BrokerA,MKT,96,None,None,Normal monitoring,93,-45,170,4,false,Tighten stops on momentum names
P7825,Cautious,Taxable,USD,2025-06-14,832363,106831,725532,1.0,39.2,30.7,15.7,14.3,VOO:20.5%;TSLA:18.4%;AAPL:20.9%;MUB:16.4%;XLF:7.5%;VTI:16.2%,US:66.0;EU:9.2;APAC:10.2;EM:8.9;Other:5.6,Value:+0.3;Growth:-0.2;Quality:-0.9;Size:+0.4;Momentum:-0.2;LowVol:-0.0,ESGOnly;MaxPos6%;NoMargin,6,25,6.0,trailing 8%,118,17.8,Volatile,24.4,4.12,2.5,110,27,74,51,false,Sell,Trim extended winner -1%,34,3,BrokerC,VWAP,86,None,None,Normal monitoring,3,7,74,3,false,Monitor dispersion and breadth
P7826,Opportunistic,Taxable,USD,2025-10-05,1380865,105686,1275179,1.0,72.8,13.5,9.2,4.5,VNQ:20.2%;IEF:20.8%;VTI:20.8%;GLD:17.4%;AAPL:20.8%,US:56.8;EU:20.8;APAC:15.7;EM:5.8;Other:0.9,Value:-0.5;Growth:-0.7;Quality:-0.2;Size:+0.9;Momentum:+0.3;LowVol:+0.4,,10,35,4.8,hard 12%,197,30.7,Bull,12.9,3.8,2.3,86,6,68,44,false,Rebalance,Shift +1% to bonds from equity,0,-18,BrokerB,MKT,87,None,None,Normal monitoring,92,-33,125,3,false,Increase defensive factor exposure
P7827,Opportunistic,401k,USD,2025-04-26,805030,71940,733090,1.0,74.7,18.0,0.0,7.3,AMZN:20.8%;AAPL:20.2%;MSFT:12.3%;IEF:6.3%;QQQ:19.5%;GLD:20.8%,US:72.0;EU:7.3;APAC:9.8;EM:5.6;Other:5.2,Value:0.0;Growth:-0.6;Quality:+0.7;Size:+0.6;Momentum:-0.2;LowVol:-1.0,NoDerivatives,6,35,5.7,trailing 9%,238,24.2,Volatile,30.3,5.42,3.5,129,-24,45,83,true,Hedge,Buy index puts 1% notional,-10,-14,BrokerB,MKT,93,RegimeShift,TightenStops,Volatility spike and breadth deterioration,56,-4,56,4,false,Tighten stops on momentum names
P7828,Systematic,Roth,USD,2024-08-16,1356245,65165,1291080,1.0,63.0,22.5,7.8,6.7,AMZN:21.9%;BRK.B:21.9%;AAPL:15.7%;VNQ:21.9%;MUB:18.7%,US:61.0;EU:14.5;APAC:11.8;EM:8.3;Other:4.5,Value:+0.5;Growth:+0.2;Quality:-0.8;Size:-0.6;Momentum:-0.3;LowVol:-0.4,,5,35,4.1,trailing 8%,147,18.3,Volatile,22.4,4.29,3.3,161,-36,22,68,true,Hedge,Buy index puts 1% notional,21,-7,BrokerC,LMT,88,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-16,-52,99,5,false,Tighten stops on momentum names
P7829,Hands-off,401k,USD,2024-11-30,890781,72057,818724,1.0,69.5,22.3,0.0,8.2,VNQ:23.7%;BND:21.6%;GLD:10.1%;AMZN:20.8%;BRK.B:23.7%,US:68.0;EU:13.8;APAC:5.9;EM:9.8;Other:2.4,Value:0.0;Growth:+0.1;Quality:-0.5;Size:-0.9;Momentum:+0.4;LowVol:-0.9,MaxPos7%,8,25,3.7,hard 10%,90,13.0,Bear,34.5,3.45,2.9,186,-51,24,85,true,Rebalance,Rebalance back to target bands,-4,-9,BrokerA,MKT,90,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,81,14,75,3,false,Increase defensive factor exposure
P7830,Hands-off,Roth,USD,2024-11-30,373441,29458,343983,1.0,66.1,16.5,9.4,8.0,HYG:25.0%;VNQ:25.0%;VOO:25.0%;TLT:25.0%,US:56.0;EU:19.7;APAC:11.6;EM:8.5;Other:4.2,Value:+0.3;Growth:-0.7;Quality:-0.3;Size:+0.4;Momentum:+0.3;LowVol:-0.5,,5,35,3.6,trailing 10%,160,17.0,Bear,24.1,4.33,1.4,186,-23,52,70,false,Rebalance,Shift +1% to bonds from equity,2,-28,BrokerD,MKT,98,None,None,Normal monitoring,78,-53,124,4,false,Tax-aware sells next window
P7831,Systematic,Trust,USD,2024-11-29,1359643,106572,1253071,1.0,56.0,29.6,8.1,6.3,VTI:28.3%;GLD:26.6%;BRK.B:28.3%;AMZN:16.8%,US:66.6;EU:19.1;APAC:7.0;EM:5.1;Other:2.1,Value:-0.5;Growth:-0.9;Quality:-1.0;Size:+0.9;Momentum:-0.9;LowVol:-0.5,MaxPos7%;NoDerivatives,10,35,4.4,trailing 8%,169,18.0,Volatile,24.3,4.11,3.1,159,-11,47,69,false,Hedge,Add TLT +1% as duration hedge,23,-12,BrokerB,LMT,92,None,None,Normal monitoring,41,-52,126,4,false,Monitor dispersion and breadth
P7832,Opportunistic,Taxable,USD,2025-08-08,1745945,125644,1620301,1.0,66.7,21.2,6.9,5.3,MUB:19.1%;HYG:20.8%;BRK.B:15.4%;BND:20.1%;QQQ:7.4%;TSLA:17.2%,US:55.9;EU:18.0;APAC:9.4;EM:12.1;Other:4.5,Value:-1.0;Growth:-0.3;Quality:+0.9;Size:-0.1;Momentum:+0.7;LowVol:-0.4,MaxPos5%;NoDerivatives,5,30,6.4,hard 12%,192,33.9,Sideways,14.2,4.83,2.7,126,34,60,58,true,Hedge,Buy index puts 1% notional,8,-23,BrokerB,MKT,97,VAR>budget,Hedge,Risk above budget threshold,97,-18,201,3,false,Within IPS guidelines
P7833,Hands-off,Roth,USD,2024-09-29,261023,17083,243940,1.0,59.6,26.0,7.8,6.6,BND:12.2%;TLT:20.6%;AAPL:9.1%;HYG:20.6%;GLD:18.3%;BRK.B:19.2%,US:73.8;EU:6.1;APAC:7.5;EM:12.1;Other:0.5,Value:+0.2;Growth:-0.2;Quality:+0.7;Size:-0.7;Momentum:-0.4;LowVol:+0.1,NoDerivatives,6,35,4.4,trailing 8%,159,18.5,Bear,28.9,3.47,1.4,155,-50,30,74,true,Reduce,"Cut high-beta by 2-3%, add cash",28,-20,BrokerC,MKT,99,Drift>tolerance,Hedge,Allocation drift beyond policy bands,94,16,100,3,false,Tax-aware sells next window
P7834,Opportunistic,IRA,USD,2024-08-09,1629388,142515,1486873,1.13,74.0,19.2,0.0,6.8,BRK.B:21.5%;MSFT:21.5%;MUB:16.8%;IEF:15.0%;BND:11.0%;TSLA:14.1%,US:75.7;EU:8.1;APAC:6.2;EM:9.1;Other:0.9,Value:+0.9;Growth:-0.5;Quality:+0.1;Size:+0.4;Momentum:+0.9;LowVol:-0.3,MaxPos5%,7,35,6.5,trailing 7%,202,22.2,Sideways,20.7,3.77,2.6,120,18,74,71,false,Hedge,Add TLT +1% as duration hedge,30,6,BrokerC,VWAP,96,None,None,Normal monitoring,91,11,219,4,false,Increase defensive factor exposure
P7835,Systematic,Roth,USD,2025-07-15,696931,45292,651639,1.0,59.8,22.8,8.8,8.6,QQQ:33.3%;GLD:33.3%;BND:33.3%,US:56.9;EU:20.5;APAC:12.7;EM:6.2;Other:3.7,Value:0.0;Growth:-1.0;Quality:+0.3;Size:+0.5;Momentum:-0.3;LowVol:-0.4,,5,35,4.5,trailing 9%,161,26.9,Volatile,31.9,4.42,2.8,156,64,86,87,true,Rebalance,Rebalance back to target bands,-3,-35,BrokerD,VWAP,93,VAR>budget,Hedge,Risk above budget threshold,79,5,143,4,false,Tighten stops on momentum names
P7836,Active,Taxable,USD,2025-04-16,1057228,113913,943315,1.25,52.5,27.4,13.3,6.8,TSLA:22.1%;QQQ:22.1%;MUB:11.6%;VTI:22.1%;AAPL:22.1%,US:69.0;EU:7.4;APAC:9.1;EM:10.8;Other:3.7,Value:-0.0;Growth:-0.8;Quality:+0.5;Size:-0.1;Momentum:-0.6;LowVol:-0.2,MaxPos7%,6,25,5.3,trailing 9%,178,24.4,Volatile,28.3,4.76,2.6,167,48,64,60,false,Buy,Add to core equity +1%,16,-39,BrokerB,MKT,86,None,None,Normal monitoring,47,-37,143,5,false,Tighten stops on momentum names
P7837,Cautious,Taxable,USD,2025-09-01,707042,100278,606764,1.0,45.8,40.7,0.0,13.5,TSLA:33.3%;IEF:33.3%;GLD:33.3%,US:63.9;EU:13.1;APAC:10.9;EM:8.7;Other:3.5,Value:-0.4;Growth:+0.3;Quality:-0.4;Size:+0.5;Momentum:+0.5;LowVol:+0.9,NoMargin,10,25,5.6,trailing 10%,116,19.2,Bear,25.6,3.47,1.2,183,-101,10,59,true,Hedge,Buy index puts 1% notional,0,-37,BrokerD,MKT,95,VAR>budget,Hedge,Risk above budget threshold,-40,-49,-9,2,false,Within IPS guidelines
P7838,Active,IRA,USD,2025-06-08,1762620,126436,1636184,1.0,69.4,20.3,2.3,8.0,BRK.B:32.6%;GLD:33.7%;AAPL:33.7%,US:65.7;EU:18.5;APAC:6.8;EM:7.2;Other:1.9,Value:-0.1;Growth:+0.1;Quality:-0.3;Size:-0.6;Momentum:+0.7;LowVol:+0.3,NoDerivatives,8,30,5.7,trailing 9%,197,26.4,Sideways,16.8,4.89,2.2,107,-22,51,46,false,Buy,Add to core equity +1%,26,-3,BrokerC,MKT,98,None,None,Normal monitoring,51,19,33,3,false,Within IPS guidelines
P7839,Cautious,IRA,USD,2024-11-14,273159,31283,241876,1.0,50.4,37.2,0.0,12.4,MSFT:17.6%;AMZN:19.5%;VNQ:11.7%;IEF:16.4%;XLF:15.0%;BND:19.8%,US:66.8;EU:8.7;APAC:12.8;EM:6.9;Other:4.8,Value:-0.2;Growth:-0.9;Quality:-0.9;Size:-0.1;Momentum:-0.3;LowVol:-0.4,NoMargin,10,25,5.8,trailing 8%,133,16.8,Volatile,20.8,4.13,4.3,121,65,90,59,false,Rebalance,Shift +1% to bonds from equity,-7,-15,BrokerB,MKT,91,None,None,Normal monitoring,76,-12,38,3,false,Tighten stops on momentum names
P7840,Active,Roth,USD,2025-05-28,1405882,159640,1246242,1.22,64.5,24.9,2.3,8.3,BND:33.3%;AMZN:33.3%;BRK.B:33.3%,US:75.4;EU:8.3;APAC:11.0;EM:4.4;Other:0.9,Value:-0.2;Growth:-0.9;Quality:-0.0;Size:+0.2;Momentum:-0.8;LowVol:+0.8,NoDerivatives,6,30,4.3,trailing 8%,228,20.7,Sideways,18.7,4.36,2.1,138,50,71,62,false,Hedge,Add TLT +1% as duration hedge,0,-28,BrokerC,VWAP,85,None,None,Normal monitoring,17,-45,37,5,false,Tighten stops on momentum names
P7841,Systematic,Trust,USD,2024-10-06,1730232,155142,1575090,1.0,57.3,25.6,10.6,6.5,BND:20.5%;XLF:15.6%;TSLA:20.5%;HYG:14.2%;MUB:17.0%;TLT:12.2%,US:68.8;EU:9.5;APAC:10.1;EM:11.4;Other:0.1,Value:0.0;Growth:+0.6;Quality:+0.2;Size:+0.6;Momentum:-0.7;LowVol:-0.4,MaxPos8%;NoDerivatives,8,25,5.8,hard 12%,221,26.1,Bear,25.8,3.85,3.0,218,30,79,62,false,Buy,Add to core equity +1%,-15,-38,BrokerA,MKT,91,None,None,Normal monitoring,79,-9,185,4,false,Within IPS guidelines
P7842,Cautious,IRA,USD,2025-02-13,314403,27274,287129,1.0,50.3,38.2,0.0,11.5,TLT:33.3%;HYG:33.3%;VNQ:33.3%,US:61.7;EU:14.5;APAC:12.7;EM:7.5;Other:3.5,Value:+0.5;Growth:-0.9;Quality:+0.5;Size:-0.0;Momentum:-0.8;LowVol:+0.3,ESGOnly;NoMargin,5,30,3.8,trailing 8%,148,18.8,Volatile,30.6,5.1,2.8,120,-27,50,75,true,Hedge,Buy index puts 1% notional,-2,-37,BrokerD,LMT,88,RegimeShift,Hedge,Volatility spike and breadth deterioration,-13,15,28,5,false,Tax-aware sells next window
P7843,Opportunistic,Roth,USD,2025-08-05,547972,36428,511544,1.24,67.2,18.4,5.7,8.8,GLD:33.3%;AAPL:33.3%;AMZN:33.3%,US:76.7;EU:5.9;APAC:12.3;EM:4.0;Other:1.1,Value:-0.8;Growth:+0.5;Quality:-0.1;Size:-0.8;Momentum:-0.4;LowVol:+0.2,MaxPos6%,5,25,5.5,hard 12%,179,27.3,Bull,14.2,4.22,3.4,95,59,79,42,true,Rebalance,Rebalance back to target bands,8,2,BrokerD,LMT,85,Drift>tolerance,Hedge,Allocation drift beyond policy bands,42,-10,40,4,true,Increase defensive factor exposure
P7844,Cautious,Taxable,USD,2025-04-19,529092,83011,446081,1.0,47.3,39.6,0.0,13.1,TLT:13.2%;AAPL:11.5%;BRK.B:22.2%;HYG:22.2%;XLF:8.8%;MSFT:22.2%,US:59.5;EU:11.7;APAC:14.0;EM:12.0;Other:2.8,Value:+0.8;Growth:-0.6;Quality:-0.1;Size:+0.9;Momentum:-0.4;LowVol:+0.8,NoDerivatives;NoMargin,7,25,4.7,trailing 8%,112,18.7,Bull,15.4,4.26,2.6,85,106,100,38,false,Rebalance,Shift +1% to bonds from equity,34,-33,BrokerD,MKT,87,None,None,Normal monitoring,-19,-34,36,5,false,Increase defensive factor exposure
P7845,Cautious,Roth,USD,2024-08-08,417977,40916,377061,1.0,41.2,32.2,15.4,11.1,IEF:33.3%;VOO:33.3%;BRK.B:33.3%,US:64.5;EU:13.7;APAC:10.2;EM:11.1;Other:0.4,Value:+0.7;Growth:-0.1;Quality:+0.1;Size:+0.6;Momentum:-0.8;LowVol:+0.6,NoDerivatives;NoMargin,10,25,5.3,trailing 8%,154,19.7,Volatile,21.2,4.21,2.8,170,-38,27,42,false,NoAction,Within bands; monitor,28,-23,BrokerA,MKT,0,None,None,Normal monitoring,53,-19,123,3,false,Tighten stops on momentum names
P7846,Opportunistic,IRA,USD,2025-05-29,1545625,95616,1450009,1.0,74.3,20.4,0.2,5.1,VNQ:28.9%;MUB:13.2%;VTI:28.9%;HYG:28.9%,US:63.0;EU:12.4;APAC:10.4;EM:12.8;Other:1.4,Value:+0.3;Growth:-0.7;Quality:-0.6;Size:-0.7;Momentum:-0.3;LowVol:+0.8,,7,25,5.1,trailing 7%,279,33.4,Bull,17.9,4.74,2.8,119,0,47,66,false,Sell,Trim extended winner -1%,13,-9,BrokerD,MKT,88,None,None,Normal monitoring,47,-59,64,4,false,Monitor dispersion and breadth
P7847,Active,IRA,USD,2025-02-18,1726547,131060,1595487,1.0,51.6,26.1,16.6,5.7,GLD:20.4%;VOO:20.4%;TLT:12.9%;TSLA:18.2%;BND:12.0%;MUB:16.1%,US:69.8;EU:10.0;APAC:14.0;EM:5.6;Other:0.7,Value:-0.0;Growth:+0.5;Quality:-0.1;Size:+0.1;Momentum:-0.4;LowVol:-0.5,,7,35,4.9,trailing 9%,212,19.3,Volatile,27.4,3.51,4.4,154,29,64,61,false,Buy,Add to core equity +1%,12,-19,BrokerA,MKT,89,None,None,Normal monitoring,72,-43,152,3,false,Tighten stops on momentum names
P7848,Active,401k,USD,2025-12-04,671195,68956,602239,1.23,54.1,27.9,8.9,9.1,BRK.B:33.3%;MUB:33.3%;TSLA:33.3%,US:58.5;EU:14.1;APAC:13.9;EM:11.7;Other:1.8,Value:-0.6;Growth:+0.6;Quality:-1.0;Size:+1.0;Momentum:-0.5;LowVol:+0.4,MaxPos7%,7,25,5.5,trailing 9%,140,18.6,Bear,23.6,3.09,2.7,211,-53,18,68,false,Rebalance,Shift +1% to bonds from equity,23,-1,BrokerB,VWAP,86,None,None,Normal monitoring,108,11,200,5,false,Tax-aware sells next window
P7849,Systematic,IRA,USD,2024-11-10,1948254,147470,1800784,1.0,66.5,24.1,2.5,6.9,VNQ:33.3%;BND:33.3%;TLT:33.3%,US:69.1;EU:17.1;APAC:5.8;EM:4.7;Other:3.3,Value:-1.0;Growth:+0.7;Quality:-0.2;Size:-0.3;Momentum:+0.8;LowVol:-0.5,MaxPos7%;NoDerivatives,6,25,5.8,hard 12%,138,25.1,Sideways,14.6,4.35,3.5,101,-13,39,42,true,Reduce,"Cut high-beta by 2-3%, add cash",7,-1,BrokerA,MKT,94,VAR>budget,Hedge,Risk above budget threshold,-59,-52,45,2,true,Tighten stops on momentum names
P7850,Active,Trust,USD,2025-07-09,1890128,145146,1744982,1.23,67.5,23.1,3.5,5.9,VTI:15.9%;BRK.B:24.7%;MSFT:9.9%;BND:24.7%;QQQ:24.7%,US:70.2;EU:10.0;APAC:9.1;EM:8.5;Other:2.1,Value:-0.9;Growth:+0.5;Quality:-0.2;Size:+0.7;Momentum:+0.2;LowVol:+0.9,NoDerivatives,7,35,4.5,trailing 8%,139,20.9,Sideways,17.4,4.01,2.9,103,-17,43,63,false,Rebalance,Shift +1% to bonds from equity,26,-20,BrokerC,LMT,88,None,None,Normal monitoring,-26,-8,-11,4,false,Monitor dispersion and breadth
P7851,Systematic,Roth,USD,2024-11-15,1830551,88232,1742319,1.0,66.1,27.1,0.8,6.0,VNQ:23.9%;VOO:23.9%;GLD:14.5%;AMZN:13.7%;AAPL:23.9%,US:63.6;EU:16.7;APAC:10.5;EM:7.5;Other:1.8,Value:+0.1;Growth:-1.0;Quality:+0.2;Size:-0.1;Momentum:-0.1;LowVol:-0.8,NoDerivatives,8,30,5.0,hard 12%,180,24.1,Bull,12.5,4.38,2.6,81,112,100,37,false,Rebalance,Shift +1% to bonds from equity,-6,-34,BrokerD,MKT,92,None,None,Normal monitoring,78,-43,151,4,false,Tighten stops on momentum names
P7852,Hands-off,Taxable,USD,2025-08-18,743929,31188,712741,1.0,70.6,18.5,1.7,9.3,VTI:14.2%;GLD:20.3%;MUB:16.9%;QQQ:20.3%;BND:12.9%;TSLA:15.3%,US:62.0;EU:11.9;APAC:12.4;EM:9.9;Other:3.8,Value:-0.8;Growth:-0.0;Quality:-0.2;Size:+1.0;Momentum:+0.3;LowVol:-0.0,ESGOnly,7,25,5.1,trailing 8%,169,19.7,Bear,33.2,3.53,2.8,181,-77,6,80,true,Reduce,"Cut high-beta by 2-3%, add cash",16,-30,BrokerB,VWAP,93,Drift>tolerance,Hedge,Allocation drift beyond policy bands,79,10,95,2,false,Within IPS guidelines
P7853,Cautious,IRA,USD,2025-07-24,270041,35235,234806,1.0,50.4,35.8,0.0,13.8,IEF:23.0%;GLD:13.8%;XLF:18.7%;AMZN:23.0%;TSLA:21.4%,US:62.2;EU:14.3;APAC:13.9;EM:7.4;Other:2.2,Value:-0.2;Growth:+0.4;Quality:-0.5;Size:+0.9;Momentum:+0.7;LowVol:+0.5,MaxPos7%;NoMargin,10,25,3.0,trailing 10%,162,19.7,Bull,11.0,4.97,2.7,94,46,71,40,true,Hedge,Buy index puts 1% notional,-14,-9,BrokerD,MKT,98,VAR>budget,Reduce,Risk above budget threshold,-13,-1,114,4,false,Tighten stops on momentum names
P7854,Active,Taxable,USD,2025-09-15,2179540,221358,1958182,1.0,54.6,24.4,12.9,8.1,MUB:33.3%;VNQ:33.3%;MSFT:33.3%,US:59.8;EU:16.7;APAC:14.2;EM:6.7;Other:2.5,Value:+0.7;Growth:-0.1;Quality:+0.8;Size:-0.8;Momentum:-0.9;LowVol:-0.8,,6,35,5.7,trailing 8%,169,20.0,Bull,13.9,4.38,3.1,102,102,98,37,false,Hedge,Add TLT +1% as duration hedge,2,-4,BrokerD,VWAP,92,None,None,Normal monitoring,113,4,125,5,false,Tax-aware sells next window
P7855,Systematic,401k,USD,2025-05-31,1280721,88111,1192610,1.0,56.7,24.4,10.9,8.1,GLD:22.4%;BND:18.3%;VTI:11.9%;MSFT:23.7%;IEF:23.7%,US:63.6;EU:11.4;APAC:13.9;EM:9.3;Other:1.9,Value:-0.3;Growth:-0.9;Quality:+1.0;Size:-0.4;Momentum:-0.6;LowVol:0.0,NoDerivatives,10,25,5.4,trailing 9%,142,22.0,Sideways,14.7,4.81,3.5,108,-5,39,40,false,Sell,Trim extended winner -1%,34,15,BrokerB,LMT,92,None,None,Normal monitoring,31,-5,-9,5,false,Within IPS guidelines
P7856,Hands-off,401k,USD,2025-01-31,219562,9980,209582,1.0,64.2,19.0,10.4,6.4,BND:21.0%;TSLA:26.3%;VTI:26.3%;TLT:26.3%,US:67.9;EU:6.9;APAC:16.2;EM:9.0;Other:0.1,Value:-0.0;Growth:-0.7;Quality:-0.3;Size:-0.2;Momentum:-0.7;LowVol:-0.8,,5,35,5.2,trailing 8%,109,18.6,Bear,26.7,4.43,2.7,148,-8,53,74,true,Reduce,"Cut high-beta by 2-3%, add cash",28,-34,BrokerC,LMT,94,Drift>tolerance,Pause,Allocation drift beyond policy bands,89,-30,206,4,false,Monitor dispersion and breadth
P7857,Cautious,401k,USD,2025-08-06,432327,43101,389226,1.0,49.7,37.6,0.0,12.7,IEF:17.5%;VTI:13.0%;TLT:22.5%;BRK.B:22.5%;QQQ:9.3%;BND:15.3%,US:71.7;EU:6.2;APAC:11.6;EM:9.7;Other:0.8,Value:-0.8;Growth:-0.8;Quality:-0.3;Size:-0.2;Momentum:-0.9;LowVol:-0.4,ESGOnly;NoMargin,8,30,3.1,hard 10%,106,17.4,Bull,15.7,3.81,2.2,117,119,100,36,false,Rebalance,Shift +1% to bonds from equity,6,-28,BrokerA,MKT,97,None,None,Normal monitoring,-41,-19,-57,5,false,Monitor dispersion and breadth
P7858,Active,Roth,USD,2025-05-01,1288093,103420,1184673,1.0,62.5,30.0,1.1,6.4,IEF:21.4%;MSFT:21.4%;VNQ:8.0%;MUB:11.9%;VOO:16.4%;AAPL:21.0%,US:59.5;EU:18.2;APAC:12.4;EM:6.4;Other:3.4,Value:+0.4;Growth:+0.8;Quality:-0.3;Size:+0.1;Momentum:+0.9;LowVol:-1.0,MaxPos5%;NoDerivatives,5,25,4.8,hard 12%,211,24.8,Bear,26.9,3.96,1.8,141,-102,7,68,false,NoAction,Within bands; monitor,30,-4,BrokerD,MKT,0,None,None,Normal monitoring,90,-54,151,5,false,Tax-aware sells next window
P7859,Hands-off,Roth,USD,2025-06-10,870213,38052,832161,1.0,67.9,24.6,0.3,7.3,AAPL:25.0%;BRK.B:25.0%;BND:25.0%;GLD:25.0%,US:75.8;EU:8.9;APAC:7.9;EM:7.0;Other:0.4,Value:-0.2;Growth:-0.5;Quality:0.0;Size:+0.2;Momentum:+0.5;LowVol:-0.8,,5,35,5.1,hard 10%,155,13.2,Bear,24.5,3.86,2.7,202,-18,45,66,false,Buy,Add to core equity +1%,21,12,BrokerD,MKT,92,None,None,Normal monitoring,-17,-44,-52,5,false,Tighten stops on momentum names
P7860,Active,Trust,USD,2024-12-15,1785047,125415,1659632,1.0,64.2,28.0,0.0,7.9,VOO:12.8%;MUB:21.1%;IEF:22.0%;GLD:22.0%;HYG:22.0%,US:70.6;EU:8.8;APAC:15.7;EM:4.8;Other:0.1,Value:+0.2;Growth:-1.0;Quality:+0.4;Size:+0.8;Momentum:-0.9;LowVol:+0.6,MaxPos5%;NoDerivatives,8,25,4.4,hard 12%,227,25.8,Bear,34.0,3.01,1.3,184,22,62,96,true,Rebalance,Rebalance back to target bands,11,-37,BrokerC,LMT,95,Drift>tolerance,Pause,Allocation drift beyond policy bands,110,16,106,2,false,Increase defensive factor exposure
P7861,Cautious,Roth,USD,2024-09-17,877724,134364,743360,1.0,46.5,37.7,0.0,15.8,BND:15.6%;TLT:21.5%;TSLA:14.4%;MSFT:12.0%;VTI:21.5%;GLD:15.1%,US:71.9;EU:10.4;APAC:6.9;EM:10.6;Other:0.1,Value:+0.6;Growth:+0.2;Quality:+0.7;Size:-0.3;Momentum:+0.5;LowVol:-0.9,NoDerivatives;NoMargin,5,30,3.8,trailing 10%,115,17.0,Volatile,26.8,4.39,2.4,178,-29,24,67,true,Hedge,Buy index puts 1% notional,0,-31,BrokerC,VWAP,89,VAR>budget,Hedge,Risk above budget threshold,89,11,130,2,false,Monitor dispersion and breadth
P7862,Hands-off,401k,USD,2025-12-17,509896,25154,484742,1.0,67.9,24.8,0.0,7.3,VTI:33.3%;AMZN:33.3%;VOO:33.3%,US:60.3;EU:16.6;APAC:8.2;EM:11.2;Other:3.8,Value:+0.2;Growth:-0.0;Quality:+0.9;Size:+0.6;Momentum:-0.2;LowVol:-0.3,ESGOnly;MaxPos8%,8,35,3.5,trailing 10%,120,14.3,Volatile,22.7,5.11,4.2,176,-26,47,56,false,Rebalance,Shift +1% to bonds from equity,19,0,BrokerB,MKT,87,None,None,Normal monitoring,13,17,-8,3,false,Increase defensive factor exposure
P7863,Active,Taxable,USD,2025-12-01,2486641,222188,2264453,1.0,66.1,22.2,5.9,5.8,VTI:17.6%;GLD:23.7%;HYG:17.2%;BND:17.0%;TLT:24.5%,US:71.6;EU:12.0;APAC:7.7;EM:8.6;Other:0.1,Value:+0.6;Growth:-0.7;Quality:-1.0;Size:+0.2;Momentum:+0.2;LowVol:+0.5,MaxPos5%;NoDerivatives,7,35,4.4,trailing 8%,218,16.8,Bull,17.6,4.4,2.6,76,87,100,63,false,Buy,Add to core equity +1%,18,-31,BrokerA,LMT,88,None,None,Normal monitoring,45,-10,35,3,false,Tighten stops on momentum names
P7864,Systematic,401k,USD,2025-08-22,877422,57204,820218,1.0,66.7,23.3,4.1,5.8,BRK.B:33.3%;TLT:33.3%;QQQ:33.3%,US:76.2;EU:7.6;APAC:9.8;EM:4.5;Other:1.8,Value:-0.5;Growth:-0.6;Quality:+0.9;Size:-0.0;Momentum:-0.7;LowVol:-0.3,MaxPos5%;NoDerivatives,6,35,5.4,trailing 8%,178,16.1,Bull,11.7,4.9,2.8,88,93,100,41,false,Sell,Trim extended winner -1%,-5,-24,BrokerB,VWAP,90,None,None,Normal monitoring,0,2,-36,3,false,Tax-aware sells next window
P7865,Opportunistic,Roth,USD,2024-09-08,1205988,57481,1148507,1.22,67.6,12.5,12.7,7.2,QQQ:24.3%;VTI:17.4%;TLT:24.3%;IEF:17.3%;VOO:16.7%,US:60.8;EU:15.0;APAC:16.5;EM:5.3;Other:2.4,Value:+0.1;Growth:+0.5;Quality:-0.3;Size:+0.3;Momentum:+0.4;LowVol:-0.4,NoDerivatives,10,25,6.7,trailing 9%,270,25.2,Bear,31.9,3.38,2.3,144,38,82,81,true,Hedge,Buy index puts 1% notional,-3,-6,BrokerD,MKT,98,Drift>tolerance,Hedge,Allocation drift beyond policy bands,60,-33,99,3,false,Increase defensive factor exposure
P7866,Cautious,Taxable,USD,2025-09-09,891206,76120,815086,1.0,43.0,37.0,3.2,16.8,BND:29.4%;GLD:29.4%;VTI:11.9%;IEF:29.4%,US:69.0;EU:8.7;APAC:13.1;EM:3.5;Other:5.7,Value:+0.5;Growth:0.0;Quality:+0.4;Size:-0.9;Momentum:+1.0;LowVol:+0.3,ESGOnly;NoDerivatives;NoMargin,6,25,4.5,trailing 10%,97,16.6,Bull,15.1,4.14,3.5,115,117,100,45,false,Rebalance,Shift +1% to bonds from equity,2,-38,BrokerC,LMT,89,None,None,Normal monitoring,91,-10,144,5,false,Tighten stops on momentum names
P7867,Hands-off,Roth,USD,2024-11-08,823075,78695,744380,1.0,55.1,24.8,14.6,5.6,TLT:7.7%;AMZN:21.9%;TSLA:18.7%;MSFT:21.2%;AAPL:21.9%;GLD:8.6%,US:72.7;EU:6.0;APAC:12.2;EM:4.3;Other:4.8,Value:+0.9;Growth:-0.7;Quality:-0.3;Size:+0.1;Momentum:-0.6;LowVol:-0.9,MaxPos8%;NoDerivatives,8,25,3.1,trailing 8%,156,12.9,Bull,13.4,4.36,3.0,92,58,92,35,false,Rebalance,Shift +1% to bonds from equity,-1,-20,BrokerD,MKT,89,None,None,Normal monitoring,74,-14,135,4,false,Monitor dispersion and breadth
P7868,Systematic,Taxable,USD,2025-10-31,1734585,152587,1581998,1.0,62.9,28.4,0.0,8.7,AMZN:13.4%;VTI:23.2%;XLF:16.9%;MUB:23.2%;BRK.B:23.2%,US:59.6;EU:17.0;APAC:11.1;EM:12.2;Other:0.1,Value:-0.8;Growth:-0.2;Quality:-0.4;Size:-0.3;Momentum:+0.7;LowVol:-0.9,MaxPos8%,10,35,4.8,trailing 9%,198,26.7,Bull,14.9,3.87,2.2,77,70,73,56,false,Sell,Trim extended winner -1%,9,-13,BrokerA,LMT,92,None,None,Normal monitoring,-58,-56,15,4,false,Tighten stops on momentum names
P7869,Systematic,401k,USD,2024-08-31,1902131,99490,1802641,1.0,55.9,21.7,15.3,7.1,VOO:15.7%;HYG:23.5%;VTI:23.5%;BRK.B:17.6%;XLF:19.7%,US:66.1;EU:14.8;APAC:9.4;EM:7.5;Other:2.3,Value:-0.2;Growth:-0.9;Quality:-0.3;Size:+0.8;Momentum:+0.9;LowVol:-0.3,,10,35,4.8,trailing 8%,181,18.4,Volatile,28.0,3.83,2.1,160,-20,27,61,false,Buy,Add to core equity +1%,6,-32,BrokerC,MKT,90,None,None,Normal monitoring,64,-47,40,3,false,Monitor dispersion and breadth
P7870,Active,Roth,USD,2024-12-21,2215964,258914,1957050,1.0,50.8,29.0,13.5,6.7,MSFT:25.3%;XLF:24.0%;VTI:25.3%;BRK.B:25.3%,US:62.8;EU:8.9;APAC:14.3;EM:12.1;Other:1.9,Value:+0.3;Growth:+0.1;Quality:-0.2;Size:+0.5;Momentum:+0.7;LowVol:+0.1,,5,25,5.5,trailing 8%,146,17.7,Volatile,28.9,4.76,3.2,164,68,99,69,false,Hedge,Add TLT +1% as duration hedge,12,-7,BrokerA,MKT,90,None,None,Normal monitoring,102,-44,173,5,false,Tax-aware sells next window
P7871,Active,Taxable,USD,2025-11-12,1176985,88167,1088818,1.19,66.6,25.9,0.0,7.6,MUB:33.3%;VOO:33.3%;MSFT:33.3%,US:63.9;EU:14.0;APAC:12.5;EM:5.7;Other:4.0,Value:-0.7;Growth:+0.6;Quality:+0.8;Size:+0.4;Momentum:+1.0;LowVol:+0.8,NoDerivatives,5,30,5.4,trailing 9%,146,24.5,Bull,15.3,3.55,3.0,120,74,81,55,true,Hedge,Buy index puts 1% notional,22,0,BrokerA,MKT,85,RegimeShift,Reduce,Volatility spike and breadth deterioration,55,-39,164,3,false,Tax-aware sells next window
P7872,Active,Taxable,USD,2024-07-06,1138143,120262,1017881,1.0,55.7,21.5,13.6,9.2,VOO:20.3%;BND:19.3%;VNQ:19.9%;BRK.B:20.3%;AAPL:20.3%,US:70.0;EU:16.4;APAC:6.5;EM:5.5;Other:1.7,Value:-0.7;Growth:-0.5;Quality:+0.1;Size:+0.6;Momentum:+0.5;LowVol:+0.4,MaxPos6%,10,25,4.3,trailing 8%,190,18.7,Volatile,28.2,4.43,3.5,122,35,61,71,true,Hedge,Buy index puts 1% notional,23,-14,BrokerC,VWAP,99,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-41,-2,-44,3,false,Tighten stops on momentum names
P7873,Hands-off,IRA,USD,2025-02-18,705718,68406,637312,1.0,60.0,23.2,9.5,7.3,BND:33.3%;QQQ:33.3%;VTI:33.3%,US:62.3;EU:12.9;APAC:13.7;EM:7.8;Other:3.4,Value:-0.8;Growth:+0.9;Quality:+0.9;Size:-0.4;Momentum:0.0;LowVol:-0.1,ESGOnly;NoDerivatives,10,30,4.2,hard 10%,116,15.8,Sideways,14.1,3.64,2.8,138,37,56,39,false,Sell,Trim extended winner -1%,-15,0,BrokerD,MKT,88,None,None,Normal monitoring,60,-19,108,3,false,Within IPS guidelines
P7874,Opportunistic,IRA,USD,2025-04-13,441960,34940,407020,1.24,74.3,19.8,0.0,5.8,TSLA:24.0%;BRK.B:12.3%;QQQ:24.0%;TLT:15.8%;VTI:24.0%,US:72.1;EU:13.9;APAC:4.6;EM:7.7;Other:1.8,Value:0.0;Growth:-0.8;Quality:+0.9;Size:+0.9;Momentum:-1.0;LowVol:+0.9,,6,25,5.1,trailing 7%,195,31.6,Bull,12.0,3.8,3.1,114,18,70,50,false,Hedge,Add TLT +1% as duration hedge,30,-23,BrokerA,MKT,98,None,None,Normal monitoring,-4,-11,112,4,false,Tighten stops on momentum names
P7875,Hands-off,Taxable,USD,2025-09-25,454612,21322,433290,1.0,57.1,17.9,17.4,7.6,VTI:18.2%;VOO:22.4%;GLD:18.9%;IEF:17.4%;TLT:23.2%,US:68.5;EU:12.4;APAC:9.8;EM:8.7;Other:0.7,Value:-0.5;Growth:-0.7;Quality:+0.7;Size:+0.2;Momentum:+0.6;LowVol:+0.2,ESGOnly;MaxPos5%,5,35,5.4,trailing 8%,166,16.2,Volatile,29.5,3.94,3.6,119,77,81,72,true,Reduce,"Cut high-beta by 2-3%, add cash",9,13,BrokerA,VWAP,93,VAR>budget,Reduce,Risk above budget threshold,98,-1,61,2,false,Monitor dispersion and breadth
P7876,Hands-off,IRA,USD,2025-07-16,447866,29208,418658,1.0,68.9,22.0,0.0,9.1,VNQ:21.9%;AAPL:26.0%;XLF:26.0%;TLT:26.0%,US:63.9;EU:17.9;APAC:6.2;EM:11.0;Other:1.0,Value:-0.9;Growth:-0.2;Quality:-0.8;Size:-0.7;Momentum:+0.3;LowVol:+0.2,MaxPos8%,7,35,3.3,trailing 10%,150,18.8,Volatile,26.2,4.24,4.0,168,55,74,63,false,Sell,Trim extended winner -1%,8,-4,BrokerA,LMT,100,None,None,Normal monitoring,51,-57,163,4,false,Tighten stops on momentum names
P7877,Hands-off,Trust,USD,2025-01-11,817004,46121,770883,1.0,66.8,16.4,6.9,9.9,QQQ:33.3%;IEF:33.3%;AAPL:33.3%,US:73.3;EU:11.8;APAC:8.6;EM:3.7;Other:2.5,Value:-0.9;Growth:+0.2;Quality:-0.6;Size:+0.1;Momentum:-0.4;LowVol:+0.5,ESGOnly;MaxPos8%,8,35,3.1,trailing 10%,126,17.8,Bear,25.1,3.5,2.6,168,-107,5,60,false,Sell,Trim extended winner -1%,32,-2,BrokerD,MKT,90,None,None,Normal monitoring,-12,9,86,3,false,Monitor dispersion and breadth
P7878,Cautious,Taxable,USD,2025-09-06,821632,105580,716052,1.0,48.1,38.7,1.9,11.2,GLD:34.7%;BRK.B:34.7%;VNQ:30.6%,US:67.2;EU:10.0;APAC:11.9;EM:7.0;Other:4.0,Value:-0.2;Growth:-0.8;Quality:-0.2;Size:-0.9;Momentum:+0.4;LowVol:-0.5,NoDerivatives;NoMargin,10,30,3.4,trailing 8%,101,16.6,Volatile,23.0,4.9,4.1,152,80,86,46,false,Sell,Trim extended winner -1%,25,3,BrokerD,MKT,85,None,None,Normal monitoring,-46,-25,8,5,false,Tighten stops on momentum names
P7879,Hands-off,401k,USD,2025-05-08,283371,15221,268150,1.0,63.6,28.3,0.0,8.1,AMZN:29.2%;HYG:24.3%;AAPL:17.3%;TLT:29.2%,US:65.9;EU:16.6;APAC:12.6;EM:4.2;Other:0.7,Value:-0.7;Growth:+0.9;Quality:+0.1;Size:+0.8;Momentum:+0.2;LowVol:0.0,MaxPos7%,5,30,5.2,hard 10%,132,12.8,Bull,12.9,4.41,2.9,97,37,71,46,false,Sell,Trim extended winner -1%,24,7,BrokerB,MKT,91,None,None,Normal monitoring,81,-35,106,3,false,Monitor dispersion and breadth
P7880,Active,IRA,USD,2025-12-22,2074766,145573,1929193,1.0,50.5,29.8,10.3,9.4,BND:15.1%;IEF:13.6%;MUB:23.8%;MSFT:23.8%;XLF:23.8%,US:70.3;EU:7.2;APAC:7.9;EM:11.9;Other:2.7,Value:+1.0;Growth:+0.8;Quality:+0.6;Size:+0.5;Momentum:-0.9;LowVol:-0.6,NoDerivatives,6,30,5.0,hard 12%,168,18.9,Bull,17.9,4.66,2.6,109,101,100,44,false,Rebalance,Shift +1% to bonds from equity,-4,-32,BrokerC,MKT,86,None,None,Normal monitoring,-44,1,-57,3,false,Increase defensive factor exposure
P7881,Active,Trust,USD,2025-07-17,1114340,77786,1036554,1.0,50.7,20.6,20.0,8.7,AMZN:17.2%;VNQ:11.6%;XLF:16.7%;MUB:20.6%;BRK.B:20.6%;QQQ:13.3%,US:67.4;EU:9.8;APAC:10.3;EM:8.2;Other:4.3,Value:+0.5;Growth:-0.1;Quality:+0.1;Size:-0.3;Momentum:+0.2;LowVol:+0.4,,5,25,4.4,trailing 9%,148,21.3,Volatile,21.3,4.29,3.9,162,-38,20,49,false,Rebalance,Shift +1% to bonds from equity,-2,-10,BrokerB,LMT,87,None,None,Normal monitoring,40,13,2,3,false,Tax-aware sells next window
P7882,Opportunistic,Trust,USD,2025-08-07,885360,57460,827900,1.0,75.8,19.9,0.0,4.3,BRK.B:20.0%;VNQ:12.9%;XLF:20.0%;IEF:18.7%;HYG:20.7%;QQQ:7.7%,US:65.3;EU:11.9;APAC:8.5;EM:9.8;Other:4.5,Value:+0.1;Growth:+0.2;Quality:-0.7;Size:+0.3;Momentum:+0.4;LowVol:-0.9,MaxPos8%;NoDerivatives,8,25,4.2,trailing 7%,185,25.1,Volatile,23.8,4.9,3.3,121,-60,26,76,true,Hedge,Buy index puts 1% notional,32,-8,BrokerA,MKT,85,VAR>budget,Reduce,Risk above budget threshold,-47,-15,-53,2,false,Tighten stops on momentum names
P7883,Systematic,Trust,USD,2025-07-05,1126832,111225,1015607,1.0,56.2,30.0,8.5,5.2,AMZN:26.4%;BND:22.7%;AAPL:26.4%;VTI:24.4%,US:61.3;EU:17.3;APAC:7.5;EM:12.9;Other:1.1,Value:0.0;Growth:+0.6;Quality:-0.8;Size:-0.1;Momentum:+0.6;LowVol:+0.8,,10,30,4.1,trailing 8%,207,20.0,Volatile,21.5,4.77,4.4,177,-18,37,60,false,Rebalance,Shift +1% to bonds from equity,27,-32,BrokerA,MKT,89,None,None,Normal monitoring,-1,-41,-20,5,false,Tax-aware sells next window
P7884,Active,Roth,USD,2025-05-25,1029587,76446,953141,1.21,59.7,30.0,3.2,7.1,AMZN:33.9%;VOO:33.9%;QQQ:32.3%,US:67.0;EU:7.1;APAC:7.2;EM:14.2;Other:4.4,Value:-0.7;Growth:+0.6;Quality:-0.8;Size:-0.7;Momentum:-0.2;LowVol:-0.5,NoDerivatives,7,35,5.5,hard 12%,137,20.9,Bear,27.8,3.06,2.2,200,-31,22,68,false,Buy,Add to core equity +1%,8,-40,BrokerD,VWAP,91,None,None,Normal monitoring,54,-18,174,4,false,Monitor dispersion and breadth
P7885,Opportunistic,Roth,USD,2024-10-16,530268,38012,492256,1.0,62.1,20.7,8.9,8.3,VNQ:22.8%;VOO:22.8%;BRK.B:21.7%;TLT:20.4%;MUB:12.3%,US:67.1;EU:12.7;APAC:5.2;EM:11.6;Other:3.5,Value:-0.9;Growth:-0.5;Quality:+0.1;Size:+0.2;Momentum:-0.4;LowVol:-0.6,,7,35,6.5,hard 12%,214,34.7,Sideways,14.4,4.56,2.2,98,6,61,49,false,Hedge,Add TLT +1% as duration hedge,15,-33,BrokerA,MKT,85,None,None,Normal monitoring,68,-48,81,4,false,Tax-aware sells next window
P7886,Opportunistic,Taxable,USD,2025-09-14,1261230,44321,1216909,1.0,64.5,10.7,19.0,5.9,XLF:24.1%;TLT:24.1%;VNQ:24.1%;MSFT:19.4%;MUB:8.4%,US:68.2;EU:9.8;APAC:7.1;EM:11.8;Other:3.0,Value:-1.0;Growth:-0.3;Quality:-0.7;Size:-0.5;Momentum:-0.7;LowVol:+0.9,NoDerivatives,8,30,5.9,hard 12%,168,25.0,Sideways,18.3,3.53,3.2,130,-17,40,54,false,Sell,Trim extended winner -1%,21,-31,BrokerC,MKT,97,None,None,Normal monitoring,39,-44,114,4,false,Tax-aware sells next window
P7887,Active,Trust,USD,2025-01-26,959655,73884,885771,1.15,54.0,21.2,16.7,8.2,IEF:23.2%;GLD:13.5%;QQQ:17.0%;MUB:23.2%;XLF:23.2%,US:66.1;EU:14.3;APAC:5.8;EM:9.7;Other:4.1,Value:-0.4;Growth:+0.6;Quality:-0.8;Size:+0.9;Momentum:+1.0;LowVol:-0.2,,5,30,6.0,trailing 8%,170,23.9,Volatile,31.0,4.68,4.4,115,-12,35,84,true,Reduce,"Cut high-beta by 2-3%, add cash",11,14,BrokerB,VWAP,92,VAR>budget,Reduce,Risk above budget threshold,104,0,134,3,false,Monitor dispersion and breadth
P7888,Opportunistic,Roth,USD,2025-10-09,1393850,68867,1324983,1.1,62.8,12.7,16.4,8.1,VTI:21.8%;XLF:15.8%;TSLA:18.7%;MSFT:21.8%;MUB:21.8%,US:67.0;EU:14.8;APAC:6.0;EM:10.2;Other:2.0,Value:-0.9;Growth:-0.8;Quality:+0.4;Size:+0.6;Momentum:-1.0;LowVol:-0.2,NoDerivatives,8,35,5.7,trailing 7%,195,24.6,Volatile,21.9,5.05,3.5,112,-46,27,63,true,Reduce,"Cut high-beta by 2-3%, add cash",24,8,BrokerC,LMT,90,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-49,-17,7,4,true,Tighten stops on momentum names
P7889,Cautious,Taxable,USD,2025-06-22,556096,76890,479206,1.0,47.0,30.2,7.1,15.7,TSLA:27.8%;BND:27.8%;BRK.B:16.5%;VTI:27.8%,US:67.1;EU:11.5;APAC:14.4;EM:4.4;Other:2.7,Value:-0.0;Growth:-0.8;Quality:+0.9;Size:-0.3;Momentum:+0.1;LowVol:+0.9,NoMargin,6,30,5.5,trailing 10%,125,14.3,Bear,27.3,3.17,2.3,151,-3,47,58,false,Buy,Add to core equity +1%,-7,-17,BrokerB,LMT,87,None,None,Normal monitoring,-51,-40,23,3,false,Increase defensive factor exposure
P7890,Hands-off,Trust,USD,2024-12-02,663726,34330,629396,1.0,59.5,22.1,11.8,6.6,TSLA:25.0%;GLD:25.0%;MSFT:25.0%;VTI:25.0%,US:71.8;EU:10.5;APAC:9.4;EM:7.3;Other:1.0,Value:+0.8;Growth:-0.4;Quality:+0.4;Size:+1.0;Momentum:-0.2;LowVol:-0.7,ESGOnly;MaxPos6%,7,35,5.6,trailing 8%,94,13.5,Sideways,15.3,4.95,2.5,104,14,52,49,false,Sell,Trim extended winner -1%,4,-29,BrokerB,MKT,99,None,None,Normal monitoring,97,-29,218,4,false,Within IPS guidelines
P7891,Active,Taxable,USD,2024-07-16,739925,87369,652556,1.0,68.0,21.9,1.8,8.4,QQQ:22.2%;TLT:20.4%;AMZN:20.7%;IEF:22.2%;BRK.B:14.6%,US:70.0;EU:13.2;APAC:6.8;EM:8.1;Other:1.9,Value:+0.3;Growth:+0.9;Quality:-0.3;Size:+1.0;Momentum:-0.4;LowVol:-0.4,,8,35,4.1,trailing 8%,220,19.2,Volatile,21.7,3.99,2.8,114,-27,22,73,true,Hedge,Buy index puts 1% notional,26,-5,BrokerC,LMT,92,Drift>tolerance,Hedge,Allocation drift beyond policy bands,32,-35,-2,2,false,Tax-aware sells next window
P7892,Hands-off,IRA,USD,2024-09-10,373071,15283,357788,1.0,69.5,20.8,3.4,6.4,VNQ:28.0%;TSLA:36.0%;HYG:36.0%,US:61.3;EU:18.8;APAC:6.6;EM:11.0;Other:2.3,Value:+0.1;Growth:+0.3;Quality:-0.0;Size:-0.7;Momentum:-1.0;LowVol:+0.9,,10,30,4.5,trailing 8%,154,13.4,Bull,11.1,3.62,2.5,82,81,82,50,false,NoAction,Within bands; monitor,27,-14,BrokerA,LMT,100,None,None,Normal monitoring,31,-2,23,3,false,Within IPS guidelines
P7893,Active,Roth,USD,2025-09-17,1366564,146510,1220054,1.23,51.6,28.3,11.5,8.6,AAPL:10.8%;BND:26.0%;VTI:26.0%;IEF:11.3%;AMZN:26.0%,US:62.7;EU:20.1;APAC:9.9;EM:3.6;Other:3.6,Value:-0.9;Growth:+0.3;Quality:+0.7;Size:-0.8;Momentum:+0.8;LowVol:-0.7,,6,35,4.9,trailing 8%,206,17.7,Bear,23.5,4.23,1.4,145,-39,31,66,false,Rebalance,Shift +1% to bonds from equity,13,8,BrokerA,MKT,95,None,None,Normal monitoring,2,-6,-8,4,false,Monitor dispersion and breadth
P7894,Opportunistic,IRA,USD,2025-04-16,804782,40285,764497,1.25,64.0,18.0,10.7,7.2,TSLA:33.3%;GLD:33.3%;VOO:33.3%,US:64.6;EU:19.0;APAC:5.8;EM:7.9;Other:2.7,Value:+0.1;Growth:+0.9;Quality:-0.8;Size:-0.3;Momentum:+0.5;LowVol:-0.6,,7,30,5.6,hard 12%,251,20.2,Bull,16.0,4.97,3.5,74,111,97,52,false,Rebalance,Shift +1% to bonds from equity,16,-19,BrokerD,LMT,92,None,None,Normal monitoring,63,-15,85,4,false,Increase defensive factor exposure
P7895,Hands-off,Taxable,USD,2024-10-18,832536,78289,754247,1.0,71.4,20.3,0.0,8.3,BND:33.3%;TLT:33.3%;TSLA:33.3%,US:60.1;EU:18.1;APAC:9.5;EM:6.8;Other:5.4,Value:+0.3;Growth:-0.2;Quality:-0.5;Size:+0.3;Momentum:+0.3;LowVol:-0.5,MaxPos7%,6,35,3.0,trailing 10%,163,19.4,Bull,17.0,4.67,2.1,103,91,87,65,false,Buy,Add to core equity +1%,10,-33,BrokerC,MKT,95,None,None,Normal monitoring,4,-27,39,4,false,Tax-aware sells next window
P7896,Cautious,IRA,USD,2025-12-14,175729,25542,150187,1.0,39.0,45.0,4.7,11.3,VOO:22.6%;VTI:22.6%;AAPL:22.6%;MSFT:17.2%;QQQ:15.1%,US:70.8;EU:10.2;APAC:9.3;EM:5.8;Other:3.9,Value:+0.6;Growth:-0.1;Quality:+0.8;Size:+0.4;Momentum:+0.9;LowVol:+0.3,NoDerivatives;NoMargin,7,25,5.7,trailing 8%,140,19.0,Sideways,15.9,4.03,2.5,98,29,52,43,false,Hedge,Add TLT +1% as duration hedge,15,-26,BrokerC,LMT,91,None,None,Normal monitoring,64,1,117,3,false,Within IPS guidelines
P7897,Cautious,IRA,USD,2025-12-08,859654,107457,752197,1.0,41.1,32.9,14.1,12.0,HYG:33.3%;QQQ:33.3%;VNQ:33.3%,US:75.2;EU:8.3;APAC:7.6;EM:8.2;Other:0.7,Value:-0.7;Growth:-0.7;Quality:+0.8;Size:+0.8;Momentum:0.0;LowVol:-0.2,ESGOnly;MaxPos5%;NoMargin,10,35,3.6,hard 10%,128,16.6,Sideways,19.6,4.63,3.2,127,25,52,47,false,Rebalance,Shift +1% to bonds from equity,18,-10,BrokerC,LMT,91,None,None,Normal monitoring,42,-7,150,3,false,Within IPS guidelines
P7898,Opportunistic,Taxable,USD,2024-11-22,1072953,77807,995146,1.0,65.8,15.4,11.3,7.4,MUB:26.3%;VNQ:26.3%;QQQ:26.3%;BRK.B:21.0%,US:75.3;EU:7.6;APAC:7.1;EM:7.4;Other:2.7,Value:-0.4;Growth:-0.1;Quality:+0.2;Size:+1.0;Momentum:-1.0;LowVol:-0.7,,10,30,6.1,trailing 7%,243,33.4,Bull,16.7,3.66,3.4,107,59,70,45,false,Buy,Add to core equity +1%,27,-2,BrokerC,MKT,97,None,None,Normal monitoring,85,-45,163,3,false,Within IPS guidelines
P7899,Active,Taxable,USD,2025-01-21,505911,47302,458609,1.18,51.8,27.3,11.2,9.7,XLF:14.6%;AAPL:22.7%;GLD:17.2%;HYG:22.7%;BRK.B:22.7%,US:64.0;EU:8.3;APAC:11.4;EM:11.9;Other:4.4,Value:+0.9;Growth:+0.4;Quality:-0.8;Size:-0.4;Momentum:+0.2;LowVol:-0.0,,6,25,5.7,hard 12%,138,26.1,Volatile,22.8,5.11,3.2,145,66,73,47,false,Buy,Add to core equity +1%,18,-12,BrokerD,MKT,97,None,None,Normal monitoring,44,-5,68,3,false,Monitor dispersion and breadth
P7900,Active,Taxable,USD,2025-10-07,735889,63464,672425,1.0,53.4,19.8,19.5,7.3,VTI:24.8%;QQQ:24.8%;AAPL:23.3%;VNQ:12.3%;XLF:14.8%,US:72.0;EU:13.7;APAC:5.2;EM:5.0;Other:4.2,Value:-0.1;Growth:-0.6;Quality:-0.1;Size:+0.3;Momentum:-0.3;LowVol:-0.1,NoDerivatives,5,25,5.5,hard 12%,144,25.5,Bull,11.1,4.2,3.1,120,110,100,39,false,NoAction,Within bands; monitor,27,-16,BrokerA,MKT,0,None,None,Normal monitoring,92,10,83,4,false,Tighten stops on momentum names
P7901,Cautious,Taxable,USD,2024-12-12,323992,27606,296386,1.0,43.9,36.4,8.0,11.8,VNQ:14.8%;VTI:10.3%;QQQ:14.3%;MSFT:21.4%;AAPL:21.4%;HYG:17.8%,US:74.7;EU:7.3;APAC:10.6;EM:3.7;Other:3.7,Value:-0.6;Growth:-0.4;Quality:+0.8;Size:+0.6;Momentum:+0.5;LowVol:-0.8,NoMargin,7,30,5.2,trailing 8%,136,15.3,Bull,15.1,4.29,3.3,99,56,63,43,false,Rebalance,Shift +1% to bonds from equity,11,-22,BrokerC,LMT,98,None,None,Normal monitoring,36,-11,83,4,false,Monitor dispersion and breadth
P7902,Cautious,401k,USD,2024-10-08,203910,31167,172743,1.0,43.4,41.3,0.0,15.3,VNQ:23.7%;QQQ:25.4%;MSFT:25.4%;TSLA:25.4%,US:70.3;EU:5.9;APAC:12.8;EM:9.5;Other:1.5,Value:0.0;Growth:-0.6;Quality:-0.3;Size:-0.5;Momentum:+0.6;LowVol:-0.4,ESGOnly;MaxPos7%;NoMargin,5,30,4.4,trailing 8%,168,17.7,Volatile,29.2,5.41,4.2,159,55,75,68,true,Hedge,Buy index puts 1% notional,34,13,BrokerB,LMT,95,RegimeShift,Reduce,Volatility spike and breadth deterioration,-7,-10,95,3,false,Monitor dispersion and breadth
P7903,Opportunistic,Trust,USD,2024-08-12,1433524,58516,1375008,1.0,72.2,11.6,11.5,4.7,HYG:33.3%;VTI:33.3%;TSLA:33.3%,US:68.9;EU:17.5;APAC:5.3;EM:7.8;Other:0.5,Value:-0.1;Growth:-0.7;Quality:+1.0;Size:-0.4;Momentum:+0.3;LowVol:+0.4,MaxPos8%,10,25,4.7,hard 12%,225,22.6,Sideways,15.5,3.87,2.3,137,54,78,57,false,NoAction,Within bands; monitor,1,9,BrokerC,MKT,0,None,None,Normal monitoring,-6,18,117,5,false,Tax-aware sells next window
P7904,Systematic,Roth,USD,2025-08-18,866552,36858,829694,1.0,58.2,28.2,5.1,8.6,AAPL:33.3%;TLT:33.3%;AMZN:33.3%,US:66.2;EU:9.0;APAC:11.2;EM:12.8;Other:0.8,Value:+0.6;Growth:-0.7;Quality:+0.2;Size:+0.3;Momentum:+0.3;LowVol:-0.4,,7,30,4.0,hard 12%,179,19.4,Bull,17.0,3.76,2.2,116,15,72,45,false,NoAction,Within bands; monitor,23,0,BrokerB,MKT,0,None,None,Normal monitoring,66,-8,84,3,false,Within IPS guidelines
P7905,Systematic,401k,USD,2025-02-11,1532550,72005,1460545,1.0,63.2,29.3,1.2,6.3,VTI:23.0%;MSFT:12.7%;VOO:23.0%;VNQ:23.0%;QQQ:18.2%,US:55.7;EU:15.5;APAC:16.3;EM:11.0;Other:1.5,Value:+0.8;Growth:-0.2;Quality:-0.0;Size:+0.9;Momentum:+0.6;LowVol:+0.7,NoDerivatives,10,25,5.3,hard 12%,197,24.7,Volatile,22.1,4.99,2.6,135,-18,56,65,false,Rebalance,Shift +1% to bonds from equity,9,-36,BrokerC,VWAP,99,None,None,Normal monitoring,-44,-27,63,4,false,Increase defensive factor exposure
P7906,Systematic,IRA,USD,2024-11-16,1115794,70086,1045708,1.0,61.4,29.4,0.0,9.2,MSFT:35.2%;AAPL:29.6%;AMZN:35.2%,US:65.7;EU:11.7;APAC:13.9;EM:4.9;Other:3.8,Value:+0.4;Growth:+0.2;Quality:+0.1;Size:+0.9;Momentum:-0.3;LowVol:-0.1,NoDerivatives,10,25,4.1,hard 12%,218,20.4,Bull,13.0,4.93,2.1,112,24,55,34,false,NoAction,Within bands; monitor,18,-34,BrokerA,LMT,90,None,None,Normal monitoring,63,-25,158,4,false,Monitor dispersion and breadth
P7907,Opportunistic,IRA,USD,2024-10-30,481909,37830,444079,1.0,69.7,21.7,0.0,8.6,VTI:23.8%;TLT:21.2%;VOO:27.5%;MSFT:27.5%,US:58.2;EU:20.2;APAC:14.2;EM:5.1;Other:2.2,Value:-1.0;Growth:-0.2;Quality:-0.3;Size:+0.9;Momentum:-0.2;LowVol:+0.2,MaxPos5%;NoDerivatives,6,35,4.1,trailing 7%,169,30.7,Bear,27.5,3.22,2.5,171,35,78,71,true,Hedge,Buy index puts 1% notional,30,-11,BrokerD,LMT,96,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,8,15,70,5,false,Increase defensive factor exposure
P7908,Opportunistic,Roth,USD,2025-10-27,1775920,85520,1690400,1.0,65.5,19.5,7.7,7.3,MUB:26.2%;GLD:26.2%;TLT:21.9%;VOO:25.6%,US:69.4;EU:10.0;APAC:15.8;EM:4.1;Other:0.8,Value:+0.2;Growth:+0.3;Quality:-0.6;Size:+0.8;Momentum:-0.9;LowVol:-0.2,,7,30,5.1,hard 12%,225,24.0,Volatile,30.3,3.75,3.2,149,-9,33,74,true,Reduce,"Cut high-beta by 2-3%, add cash",5,-34,BrokerB,MKT,100,RegimeShift,Reduce,Volatility spike and breadth deterioration,109,15,159,2,false,Increase defensive factor exposure
P7909,Systematic,401k,USD,2025-12-11,433506,34485,399021,1.0,67.4,20.5,2.2,9.9,TSLA:21.0%;VTI:21.0%;VNQ:11.7%;BND:15.2%;TLT:15.7%;AAPL:15.4%,US:69.0;EU:9.1;APAC:7.2;EM:10.5;Other:4.1,Value:-0.7;Growth:-1.0;Quality:+0.6;Size:-0.5;Momentum:+0.7;LowVol:-0.9,,5,35,4.8,trailing 8%,229,20.4,Bull,12.3,4.63,3.4,113,27,49,48,false,Buy,Add to core equity +1%,-15,-15,BrokerB,LMT,100,None,None,Normal monitoring,84,10,222,5,false,Monitor dispersion and breadth
P7910,Hands-off,401k,USD,2025-06-29,402785,25126,377659,1.0,67.1,27.4,0.0,5.4,GLD:33.3%;VOO:33.3%;XLF:33.3%,US:68.8;EU:8.8;APAC:10.2;EM:8.2;Other:4.0,Value:+0.9;Growth:-0.1;Quality:+1.0;Size:-0.8;Momentum:-0.3;LowVol:-0.0,ESGOnly;MaxPos7%,5,35,5.3,hard 10%,153,14.2,Volatile,22.5,4.54,2.7,164,6,63,58,true,Reduce,"Cut high-beta by 2-3%, add cash",25,-33,BrokerD,LMT,91,Drift>tolerance,Hedge,Allocation drift beyond policy bands,99,16,110,3,false,Tighten stops on momentum names
P7911,Hands-off,IRA,USD,2025-10-18,519605,41630,477975,1.0,57.0,15.2,21.2,6.5,TLT:23.6%;HYG:18.1%;QQQ:13.3%;TSLA:21.4%;VNQ:23.6%,US:71.3;EU:10.5;APAC:13.5;EM:3.9;Other:0.8,Value:-1.0;Growth:-0.7;Quality:+0.3;Size:-0.9;Momentum:+0.6;LowVol:+0.7,MaxPos6%;NoDerivatives,6,35,5.3,trailing 10%,124,18.9,Bear,28.2,4.25,2.9,178,-30,42,62,false,Buy,Add to core equity +1%,16,-1,BrokerC,LMT,94,None,None,Normal monitoring,-43,-23,5,3,false,Increase defensive factor exposure
P7912,Hands-off,Trust,USD,2025-04-23,418289,32159,386130,1.0,66.3,26.1,0.0,7.6,MUB:25.1%;VNQ:25.1%;TLT:24.6%;AMZN:25.1%,US:62.8;EU:18.4;APAC:10.1;EM:7.6;Other:1.1,Value:-0.5;Growth:+0.3;Quality:+0.6;Size:+0.9;Momentum:+0.9;LowVol:+0.2,NoDerivatives,8,30,3.3,trailing 10%,110,12.7,Sideways,21.5,4.09,3.4,138,31,70,68,false,Buy,Add to core equity +1%,24,-2,BrokerA,MKT,93,None,None,Normal monitoring,46,-53,53,5,false,Monitor dispersion and breadth
P7913,Hands-off,401k,USD,2025-01-05,578288,34047,544241,1.0,66.7,22.0,1.8,9.5,IEF:25.0%;BND:25.0%;BRK.B:25.0%;XLF:25.0%,US:70.1;EU:5.7;APAC:13.5;EM:9.9;Other:0.8,Value:+0.8;Growth:0.0;Quality:+0.6;Size:+0.4;Momentum:+0.7;LowVol:+0.7,NoDerivatives,8,35,5.3,hard 10%,95,13.6,Volatile,20.8,3.64,3.3,150,21,63,53,false,Buy,Add to core equity +1%,-3,-16,BrokerA,LMT,90,None,None,Normal monitoring,111,-53,108,4,false,Within IPS guidelines
P7914,Active,Roth,USD,2025-01-31,1313983,95686,1218297,1.0,51.4,26.4,16.2,6.0,VTI:17.3%;AAPL:13.8%;HYG:19.7%;VNQ:20.2%;TSLA:17.2%;QQQ:11.8%,US:73.7;EU:11.4;APAC:8.5;EM:4.1;Other:2.3,Value:+1.0;Growth:+0.2;Quality:+0.9;Size:-0.7;Momentum:-0.4;LowVol:-0.0,,10,30,4.6,trailing 8%,162,22.0,Volatile,29.2,4.98,3.3,174,-30,31,69,false,Rebalance,Shift +1% to bonds from equity,-14,-4,BrokerA,LMT,87,None,None,Normal monitoring,-28,-36,-57,4,false,Tax-aware sells next window
P7915,Cautious,Trust,USD,2025-06-14,738785,78415,660370,1.0,44.9,38.5,6.1,10.5,IEF:18.4%;BRK.B:16.6%;BND:21.7%;HYG:10.4%;VNQ:11.2%;XLF:21.7%,US:62.4;EU:16.0;APAC:8.7;EM:7.9;Other:5.1,Value:+0.6;Growth:-0.1;Quality:+0.8;Size:+0.8;Momentum:-0.1;LowVol:+1.0,ESGOnly;NoDerivatives;NoMargin,8,25,3.5,trailing 8%,165,19.5,Volatile,22.9,3.51,4.4,154,-13,47,57,false,Buy,Add to core equity +1%,16,-40,BrokerD,VWAP,98,None,None,Normal monitoring,56,-36,189,5,false,Within IPS guidelines
P7916,Cautious,Taxable,USD,2024-08-04,804206,71749,732457,1.0,39.0,40.5,3.8,16.7,AAPL:13.4%;BRK.B:18.6%;QQQ:11.2%;HYG:17.8%;BND:20.1%;AMZN:19.0%,US:69.5;EU:14.2;APAC:11.6;EM:3.8;Other:0.8,Value:+0.5;Growth:+0.2;Quality:+0.1;Size:0.0;Momentum:-1.0;LowVol:-0.3,MaxPos5%;NoDerivatives;NoMargin,5,30,5.8,trailing 8%,159,12.9,Bull,14.5,4.3,3.1,98,19,51,22,false,Rebalance,Shift +1% to bonds from equity,-8,11,BrokerA,LMT,97,None,None,Normal monitoring,16,0,139,3,false,Within IPS guidelines
P7917,Active,Taxable,USD,2025-01-15,1464151,154491,1309660,1.0,62.2,21.2,8.2,8.5,BRK.B:33.3%;HYG:33.3%;AAPL:33.3%,US:66.6;EU:15.6;APAC:8.3;EM:7.3;Other:2.3,Value:-0.7;Growth:+0.5;Quality:-0.9;Size:+0.1;Momentum:+0.6;LowVol:+0.7,,5,30,4.3,trailing 9%,228,21.0,Bull,11.2,4.54,2.0,94,12,55,29,false,Rebalance,Shift +1% to bonds from equity,2,-19,BrokerB,LMT,96,None,None,Normal monitoring,-58,-38,14,4,false,Within IPS guidelines
P7918,Systematic,Trust,USD,2024-12-02,1772567,161545,1611022,1.0,62.4,29.5,0.0,8.1,VOO:10.2%;HYG:22.9%;BND:8.9%;TLT:21.0%;AAPL:22.9%;BRK.B:14.0%,US:65.0;EU:7.7;APAC:13.4;EM:10.4;Other:3.6,Value:+0.5;Growth:+0.8;Quality:+0.5;Size:-0.2;Momentum:+0.6;LowVol:-0.3,,5,30,5.0,trailing 9%,204,26.7,Sideways,18.3,3.99,3.5,133,6,42,54,true,Hedge,Buy index puts 1% notional,2,-3,BrokerA,MKT,94,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-41,-57,-56,5,false,Within IPS guidelines
P7919,Systematic,Roth,USD,2025-12-21,743620,42372,701248,1.0,60.3,30.6,0.0,9.1,HYG:27.4%;MUB:17.7%;TSLA:27.4%;TLT:27.4%,US:67.9;EU:13.1;APAC:11.5;EM:6.1;Other:1.4,Value:0.0;Growth:+0.6;Quality:+0.3;Size:+0.6;Momentum:-0.9;LowVol:+1.0,,6,25,4.3,trailing 9%,129,16.3,Volatile,28.2,4.63,3.3,147,51,82,64,false,Rebalance,Shift +1% to bonds from equity,8,-20,BrokerC,LMT,87,None,None,Normal monitoring,86,-46,130,5,false,Increase defensive factor exposure
P7920,Systematic,Roth,USD,2024-07-30,687556,38791,648765,1.0,65.9,26.5,0.0,7.6,AMZN:20.7%;HYG:15.6%;XLF:19.7%;VOO:22.0%;QQQ:22.0%,US:65.1;EU:7.9;APAC:11.7;EM:11.1;Other:4.2,Value:+0.8;Growth:-0.7;Quality:+0.7;Size:-0.6;Momentum:-0.8;LowVol:-0.9,NoDerivatives,7,35,5.8,trailing 9%,139,26.7,Bear,26.8,4.37,1.5,198,-21,25,83,true,Reduce,"Cut high-beta by 2-3%, add cash",-4,-30,BrokerB,LMT,93,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-44,-17,4,5,false,Within IPS guidelines
P7921,Active,Taxable,USD,2025-02-28,853204,64653,788551,1.0,67.6,24.7,0.9,6.9,TSLA:23.0%;AMZN:25.7%;MSFT:25.7%;MUB:25.7%,US:64.1;EU:12.1;APAC:11.4;EM:7.8;Other:4.6,Value:+0.5;Growth:+0.9;Quality:+0.1;Size:-0.3;Momentum:0.0;LowVol:+0.2,MaxPos6%;NoDerivatives,5,35,5.3,trailing 8%,222,26.9,Bull,13.5,3.83,2.7,119,98,96,46,false,Rebalance,Shift +1% to bonds from equity,-3,-36,BrokerB,MKT,97,None,None,Normal monitoring,99,-29,133,3,false,Monitor dispersion and breadth
P7922,Systematic,Taxable,USD,2025-06-28,1863755,95228,1768527,1.0,56.5,23.1,14.2,6.3,TSLA:21.6%;TLT:22.4%;BRK.B:22.4%;IEF:16.1%;BND:17.5%,US:60.9;EU:18.6;APAC:12.0;EM:8.1;Other:0.3,Value:+0.1;Growth:-0.6;Quality:+1.0;Size:-1.0;Momentum:-0.2;LowVol:+0.4,MaxPos8%,7,30,5.1,trailing 9%,168,23.3,Volatile,23.5,4.46,2.6,127,65,74,52,false,Rebalance,Shift +1% to bonds from equity,1,11,BrokerD,LMT,97,None,None,Normal monitoring,-53,-51,-86,5,false,Tax-aware sells next window
P7923,Systematic,Roth,USD,2024-12-15,868353,46348,822005,1.0,58.4,25.0,11.2,5.5,HYG:8.2%;MSFT:21.9%;XLF:21.9%;AAPL:12.8%;TSLA:13.3%;AMZN:21.9%,US:56.8;EU:19.0;APAC:12.4;EM:10.8;Other:1.0,Value:-0.7;Growth:-0.9;Quality:+0.7;Size:-0.3;Momentum:+0.6;LowVol:-0.2,,5,30,4.6,hard 12%,208,22.1,Bull,11.9,4.05,2.5,80,66,69,32,false,Buy,Add to core equity +1%,18,-15,BrokerB,MKT,97,None,None,Normal monitoring,-17,-22,108,3,false,Tax-aware sells next window
P7924,Systematic,401k,USD,2024-08-23,1546623,71742,1474881,1.0,56.8,32.5,2.7,8.0,AMZN:19.4%;HYG:16.5%;VOO:15.2%;TLT:13.5%;IEF:14.9%;MUB:20.5%,US:74.1;EU:7.3;APAC:10.3;EM:5.1;Other:3.3,Value:-0.7;Growth:-0.9;Quality:-0.3;Size:0.0;Momentum:+0.3;LowVol:+0.4,MaxPos7%;NoDerivatives,7,30,5.0,trailing 8%,141,23.5,Sideways,16.6,4.64,2.3,101,38,80,37,false,Buy,Add to core equity +1%,35,-39,BrokerB,MKT,95,None,None,Normal monitoring,52,-60,187,3,false,Increase defensive factor exposure
P7925,Opportunistic,Taxable,USD,2025-04-21,1132310,91903,1040407,1.0,63.9,20.2,9.2,6.7,MSFT:18.0%;TLT:7.4%;VTI:21.7%;AAPL:20.2%;AMZN:13.0%;QQQ:19.7%,US:73.3;EU:11.4;APAC:7.1;EM:5.6;Other:2.6,Value:-0.2;Growth:+0.6;Quality:-0.7;Size:+0.2;Momentum:-0.2;LowVol:-0.3,MaxPos5%,6,30,6.9,trailing 7%,198,26.3,Volatile,20.8,4.24,3.0,140,43,75,58,false,Rebalance,Shift +1% to bonds from equity,24,-11,BrokerB,VWAP,94,None,None,Normal monitoring,95,19,127,4,false,Tax-aware sells next window
P7926,Hands-off,Trust,USD,2025-12-24,569537,54691,514846,1.0,65.8,29.2,0.0,5.0,BND:28.2%;AMZN:28.2%;VNQ:15.3%;TSLA:28.2%,US:61.7;EU:19.8;APAC:6.3;EM:10.5;Other:1.7,Value:-0.8;Growth:-0.2;Quality:-0.4;Size:-0.8;Momentum:+0.2;LowVol:+0.9,,5,30,4.1,trailing 8%,161,14.6,Volatile,20.5,4.34,3.0,177,62,84,51,true,Hedge,Buy index puts 1% notional,14,-40,BrokerA,MKT,91,VAR>budget,Hedge,Risk above budget threshold,-19,-11,85,4,false,Tighten stops on momentum names
P7927,Hands-off,Roth,USD,2025-02-11,318251,25710,292541,1.0,61.9,27.3,1.6,9.2,AAPL:28.3%;XLF:28.3%;VTI:15.1%;BRK.B:28.3%,US:62.6;EU:8.5;APAC:13.2;EM:10.8;Other:4.8,Value:-0.1;Growth:+0.2;Quality:-0.5;Size:-0.6;Momentum:+0.3;LowVol:-0.3,MaxPos8%,7,25,4.4,trailing 8%,94,17.5,Bull,17.7,4.01,3.1,85,27,68,45,false,Rebalance,Shift +1% to bonds from equity,24,7,BrokerA,VWAP,89,None,None,Normal monitoring,46,-53,147,3,false,Tax-aware sells next window
P7928,Active,Roth,USD,2025-09-06,1188143,75443,1112700,1.0,55.4,23.7,13.2,7.6,BRK.B:19.6%;TSLA:23.0%;QQQ:12.9%;HYG:21.5%;IEF:23.0%,US:62.4;EU:12.8;APAC:11.3;EM:11.7;Other:1.7,Value:+0.9;Growth:-1.0;Quality:+0.3;Size:-0.9;Momentum:-0.3;LowVol:-0.4,MaxPos8%,5,25,5.7,trailing 9%,184,20.1,Volatile,26.9,5.18,2.2,141,-7,32,72,true,Hedge,Buy index puts 1% notional,30,-9,BrokerB,LMT,96,Drift>tolerance,Hedge,Allocation drift beyond policy bands,97,-59,130,4,false,Within IPS guidelines
P7929,Active,Taxable,USD,2025-10-21,994007,77845,916162,1.0,57.9,31.8,3.8,6.6,BND:10.2%;GLD:23.7%;VNQ:18.8%;AAPL:23.7%;XLF:23.7%,US:75.9;EU:7.2;APAC:8.0;EM:3.9;Other:5.0,Value:+0.5;Growth:-0.5;Quality:-0.3;Size:-0.2;Momentum:+0.9;LowVol:-0.4,,10,25,4.5,trailing 8%,200,18.2,Sideways,18.6,4.07,3.3,135,54,65,41,false,Rebalance,Shift +1% to bonds from equity,-8,-3,BrokerA,MKT,94,None,None,Normal monitoring,65,-31,191,3,false,Within IPS guidelines
P7930,Active,401k,USD,2025-11-26,1009475,77692,931783,1.0,63.6,25.7,4.5,6.2,BRK.B:15.7%;MSFT:21.3%;TLT:21.1%;VOO:21.3%;AMZN:20.6%,US:56.9;EU:18.7;APAC:15.5;EM:3.7;Other:5.2,Value:-0.8;Growth:+0.1;Quality:-0.1;Size:-0.9;Momentum:-0.6;LowVol:+0.8,MaxPos7%,10,30,5.3,hard 12%,162,20.8,Bull,12.6,3.62,3.1,77,117,94,34,false,Buy,Add to core equity +1%,-10,-9,BrokerD,LMT,89,None,None,Normal monitoring,114,-38,89,3,false,Tighten stops on momentum names
P7931,Hands-off,Trust,USD,2025-02-12,839412,50340,789072,1.0,61.6,24.1,5.8,8.5,XLF:19.6%;TLT:21.4%;TSLA:21.4%;GLD:21.4%;HYG:9.2%;VOO:6.9%,US:61.3;EU:11.6;APAC:11.6;EM:10.5;Other:5.0,Value:-0.4;Growth:0.0;Quality:+0.6;Size:-0.6;Momentum:+0.7;LowVol:-0.2,ESGOnly;NoDerivatives,10,25,3.4,trailing 8%,134,17.5,Bull,13.8,4.72,3.1,72,25,56,38,false,Buy,Add to core equity +1%,13,-35,BrokerA,LMT,94,None,None,Normal monitoring,64,7,194,5,false,Increase defensive factor exposure
P7932,Active,Taxable,USD,2025-03-11,2214262,230824,1983438,1.0,65.1,28.1,0.2,6.6,MUB:34.6%;XLF:30.8%;VOO:34.6%,US:69.1;EU:15.1;APAC:6.4;EM:6.8;Other:2.6,Value:+0.1;Growth:+0.7;Quality:-0.9;Size:+0.2;Momentum:+0.4;LowVol:+0.2,MaxPos7%,5,30,4.8,trailing 9%,222,27.1,Bull,14.0,4.36,2.8,101,12,49,51,false,Rebalance,Shift +1% to bonds from equity,14,-14,BrokerB,VWAP,98,None,None,Normal monitoring,55,-60,24,3,false,Tax-aware sells next window
P7933,Hands-off,Taxable,USD,2025-03-05,849603,45180,804423,1.0,58.5,27.2,5.0,9.3,HYG:25.5%;AMZN:25.5%;BND:23.4%;XLF:25.5%,US:63.8;EU:15.3;APAC:6.9;EM:10.7;Other:3.3,Value:-0.7;Growth:-0.1;Quality:-0.4;Size:-0.7;Momentum:-0.6;LowVol:+0.4,ESGOnly;MaxPos5%,7,30,5.6,trailing 8%,160,16.6,Volatile,32.0,4.09,4.0,156,-22,50,89,true,Rebalance,Rebalance back to target bands,31,-4,BrokerA,LMT,86,Drift>tolerance,Reduce,Allocation drift beyond policy bands,73,-21,164,3,false,Increase defensive factor exposure
P7934,Systematic,401k,USD,2024-11-14,1115068,52039,1063029,1.0,58.1,21.8,14.4,5.7,BND:24.4%;TSLA:25.8%;MUB:24.0%;QQQ:25.8%,US:74.4;EU:5.3;APAC:13.9;EM:4.3;Other:2.1,Value:-0.3;Growth:-0.3;Quality:-0.9;Size:-0.7;Momentum:+0.9;LowVol:+0.6,,8,25,4.8,trailing 9%,196,17.1,Volatile,24.4,5.43,4.1,180,31,67,61,false,Rebalance,Shift +1% to bonds from equity,12,-40,BrokerA,LMT,89,None,None,Normal monitoring,103,-47,120,5,false,Within IPS guidelines
P7935,Hands-off,Taxable,USD,2025-06-25,717286,36041,681245,1.0,55.5,22.7,12.3,9.5,BND:17.0%;TSLA:15.0%;AAPL:23.7%;VTI:23.7%;VNQ:20.6%,US:68.1;EU:8.8;APAC:11.0;EM:9.9;Other:2.2,Value:+1.0;Growth:-0.6;Quality:+0.5;Size:-0.7;Momentum:-0.3;LowVol:-0.5,NoDerivatives,7,30,5.1,trailing 10%,110,16.3,Sideways,14.4,4.36,3.5,140,16,62,45,false,Rebalance,Shift +1% to bonds from equity,34,5,BrokerB,LMT,95,None,None,Normal monitoring,75,7,39,4,false,Increase defensive factor exposure
P7936,Cautious,401k,USD,2024-09-11,249926,38291,211635,1.0,51.9,35.5,0.0,12.6,XLF:30.7%;VOO:34.7%;BND:34.7%,US:64.2;EU:17.0;APAC:9.2;EM:9.4;Other:0.2,Value:+0.2;Growth:-0.5;Quality:-0.2;Size:+0.2;Momentum:+0.5;LowVol:+0.8,ESGOnly;MaxPos5%;NoMargin,10,25,4.6,trailing 8%,100,16.4,Bull,17.2,4.62,2.1,74,64,88,47,false,Sell,Trim extended winner -1%,33,14,BrokerD,LMT,89,None,None,Normal monitoring,-30,-37,61,4,false,Tax-aware sells next window
P7937,Opportunistic,IRA,USD,2024-10-17,1171803,74834,1096969,1.07,63.8,18.9,10.8,6.5,TLT:21.3%;MUB:21.3%;IEF:17.3%;AMZN:21.3%;VNQ:8.0%;BRK.B:10.7%,US:71.7;EU:15.9;APAC:5.7;EM:3.7;Other:3.0,Value:+1.0;Growth:+0.8;Quality:+1.0;Size:+0.8;Momentum:-0.0;LowVol:+0.1,MaxPos5%,7,25,4.3,trailing 7%,244,25.0,Volatile,30.1,3.61,3.1,113,30,74,71,true,Hedge,Buy index puts 1% notional,-6,-9,BrokerA,MKT,95,Drift>tolerance,Reduce,Allocation drift beyond policy bands,115,-43,172,3,false,Tighten stops on momentum names
P7938,Opportunistic,Roth,USD,2025-01-19,926758,71047,855711,1.0,67.9,13.7,10.7,7.8,XLF:20.9%;VTI:21.9%;AAPL:8.7%;MSFT:11.4%;VNQ:21.9%;AMZN:15.2%,US:68.5;EU:10.3;APAC:8.5;EM:8.3;Other:4.4,Value:+0.4;Growth:+0.1;Quality:+0.7;Size:+0.2;Momentum:-0.1;LowVol:+0.9,NoDerivatives,6,25,5.1,trailing 9%,261,26.0,Bull,15.6,4.48,3.3,88,88,100,61,false,Hedge,Add TLT +1% as duration hedge,-15,3,BrokerA,MKT,94,None,None,Normal monitoring,17,-9,137,3,false,Increase defensive factor exposure
P7939,Opportunistic,Trust,USD,2024-08-28,1478102,91665,1386437,1.16,70.1,19.9,4.3,5.7,XLF:23.6%;GLD:11.2%;TSLA:18.9%;HYG:23.6%;IEF:22.7%,US:68.8;EU:15.4;APAC:5.8;EM:8.7;Other:1.3,Value:-0.8;Growth:-0.5;Quality:+0.1;Size:+0.2;Momentum:-0.8;LowVol:+0.3,MaxPos8%,6,35,5.4,trailing 9%,205,20.2,Bull,17.7,4.31,3.2,105,24,55,65,false,Sell,Trim extended winner -1%,-13,10,BrokerD,LMT,94,None,None,Normal monitoring,35,-19,29,3,false,Monitor dispersion and breadth
P7940,Active,401k,USD,2025-04-16,2027561,204867,1822694,1.0,60.0,22.6,8.0,9.4,TSLA:22.4%;HYG:18.9%;MSFT:22.4%;XLF:18.3%;BRK.B:17.9%,US:70.3;EU:16.8;APAC:5.4;EM:6.8;Other:0.7,Value:-0.1;Growth:+0.1;Quality:-0.6;Size:+0.7;Momentum:-0.6;LowVol:+1.0,,10,35,5.0,trailing 9%,167,27.5,Volatile,24.6,3.63,3.0,128,17,60,72,true,Hedge,Buy index puts 1% notional,-8,-20,BrokerD,VWAP,94,VAR>budget,Reduce,Risk above budget threshold,69,-26,128,4,true,Tighten stops on momentum names
P7941,Hands-off,Trust,USD,2025-12-02,403458,27843,375615,1.0,71.3,16.2,3.9,8.6,XLF:10.1%;AMZN:19.3%;VOO:11.3%;TSLA:16.0%;BRK.B:21.6%;VNQ:21.6%,US:78.5;EU:6.9;APAC:7.4;EM:4.0;Other:3.3,Value:+0.1;Growth:+0.7;Quality:-0.6;Size:-0.8;Momentum:-0.3;LowVol:+1.0,ESGOnly,8,35,5.8,trailing 10%,168,16.5,Bull,11.1,3.8,2.1,78,31,52,45,false,Rebalance,Shift +1% to bonds from equity,-8,-26,BrokerB,MKT,93,None,None,Normal monitoring,115,14,225,5,false,Within IPS guidelines
P7942,Opportunistic,IRA,USD,2025-01-12,1591309,131262,1460047,1.0,72.8,12.7,7.2,7.3,HYG:27.1%;TSLA:27.1%;QQQ:27.1%;TLT:18.8%,US:73.6;EU:6.9;APAC:9.4;EM:6.3;Other:3.8,Value:+0.1;Growth:-0.9;Quality:-0.1;Size:-0.6;Momentum:-0.9;LowVol:+0.2,,8,35,6.4,hard 12%,263,22.8,Sideways,14.7,3.57,2.7,98,-21,47,43,false,NoAction,Within bands; monitor,28,-2,BrokerD,LMT,100,None,None,Normal monitoring,13,-6,128,4,false,Monitor dispersion and breadth
P7943,Active,401k,USD,2024-08-17,1900626,160791,1739835,1.0,51.4,22.8,19.4,6.4,AAPL:22.3%;MUB:10.6%;VOO:17.6%;VNQ:8.6%;XLF:22.3%;GLD:18.5%,US:64.9;EU:9.2;APAC:12.5;EM:11.3;Other:2.0,Value:+0.8;Growth:+0.6;Quality:-0.2;Size:-0.8;Momentum:-0.3;LowVol:-0.9,NoDerivatives,7,30,4.9,hard 12%,202,24.1,Sideways,18.5,4.13,2.7,110,49,64,52,false,Hedge,Add TLT +1% as duration hedge,22,11,BrokerD,LMT,92,None,None,Normal monitoring,63,-49,163,3,false,Monitor dispersion and breadth
P7944,Hands-off,IRA,USD,2025-02-16,171212,9836,161376,1.0,64.0,17.0,13.8,5.2,BND:33.3%;MSFT:33.3%;BRK.B:33.3%,US:67.4;EU:6.4;APAC:13.9;EM:7.9;Other:4.3,Value:+0.6;Growth:+0.7;Quality:+0.6;Size:+0.7;Momentum:-0.8;LowVol:-0.6,ESGOnly;NoDerivatives,6,35,3.2,hard 10%,153,14.7,Bull,16.5,4.4,2.6,80,41,70,60,false,Buy,Add to core equity +1%,-7,-13,BrokerC,VWAP,86,None,None,Normal monitoring,37,-18,38,3,false,Tighten stops on momentum names
P7945,Opportunistic,Trust,USD,2025-02-18,1326217,58744,1267473,1.0,74.9,11.5,7.0,6.7,MSFT:28.0%;MUB:16.0%;HYG:28.0%;TSLA:28.0%,US:59.3;EU:12.2;APAC:14.4;EM:12.7;Other:1.4,Value:+0.3;Growth:-0.2;Quality:-0.1;Size:-0.9;Momentum:-0.6;LowVol:+0.1,,8,35,6.7,trailing 9%,181,30.4,Bull,12.0,4.52,2.2,96,65,78,45,false,Sell,Trim extended winner -1%,0,-22,BrokerC,MKT,97,None,None,Normal monitoring,116,-33,111,4,false,Monitor dispersion and breadth
P7946,Hands-off,Roth,USD,2025-04-07,877356,61058,816298,1.0,67.0,23.4,0.0,9.6,GLD:33.3%;IEF:33.3%;XLF:33.3%,US:64.1;EU:11.5;APAC:12.6;EM:7.6;Other:4.1,Value:-0.0;Growth:-0.4;Quality:+0.1;Size:+0.9;Momentum:-0.6;LowVol:-0.3,ESGOnly;NoDerivatives,6,35,3.3,trailing 8%,152,14.2,Bull,12.4,3.55,3.3,83,114,100,48,true,Reduce,"Cut high-beta by 2-3%, add cash",-10,-21,BrokerC,LMT,95,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,58,-31,162,3,false,Tighten stops on momentum names
P7947,Opportunistic,Trust,USD,2025-02-09,1467799,116616,1351183,1.1,73.1,19.1,0.0,7.8,GLD:21.0%;XLF:21.0%;AAPL:20.3%;QQQ:19.2%;VNQ:18.5%,US:64.0;EU:9.3;APAC:10.0;EM:11.7;Other:5.0,Value:-0.5;Growth:-0.8;Quality:+0.9;Size:+0.5;Momentum:-0.9;LowVol:+0.6,,10,30,5.5,trailing 7%,206,22.9,Volatile,25.1,4.25,4.0,172,-18,55,65,false,Rebalance,Shift +1% to bonds from equity,34,-3,BrokerB,LMT,95,None,None,Normal monitoring,30,-7,70,3,false,Increase defensive factor exposure
P7948,Hands-off,IRA,USD,2025-11-02,891150,55283,835867,1.0,58.7,27.7,6.7,7.0,VTI:25.8%;HYG:22.6%;TSLA:25.8%;MUB:25.8%,US:66.9;EU:14.1;APAC:7.7;EM:7.7;Other:3.5,Value:-1.0;Growth:+0.9;Quality:-0.4;Size:+0.4;Momentum:-0.0;LowVol:+0.7,,10,30,5.7,trailing 8%,164,14.0,Sideways,15.6,3.93,2.7,133,39,84,52,false,Rebalance,Shift +1% to bonds from equity,31,7,BrokerC,LMT,95,None,None,Normal monitoring,43,-15,61,4,false,Tax-aware sells next window
P7949,Hands-off,Roth,USD,2024-08-05,835779,77440,758339,1.0,69.0,22.9,2.8,5.3,MUB:17.4%;AMZN:27.5%;TLT:27.5%;TSLA:27.5%,US:57.7;EU:10.9;APAC:15.0;EM:12.5;Other:3.9,Value:+0.4;Growth:+0.3;Quality:-1.0;Size:+0.7;Momentum:-0.7;LowVol:-0.8,ESGOnly,5,30,4.1,trailing 8%,93,12.0,Volatile,32.0,4.96,2.8,159,12,46,79,true,Hedge,Buy index puts 1% notional,6,-35,BrokerC,MKT,90,VAR>budget,Pause,Risk above budget threshold,55,-28,106,5,false,Tighten stops on momentum names
P7950,Active,Trust,USD,2024-07-12,2004213,126074,1878139,1.0,61.3,28.9,4.0,5.8,VNQ:27.6%;TLT:27.6%;VTI:27.6%;HYG:17.2%,US:67.8;EU:13.9;APAC:9.9;EM:4.0;Other:4.5,Value:+0.1;Growth:-0.6;Quality:+0.1;Size:+0.5;Momentum:-0.5;LowVol:+0.9,NoDerivatives,10,35,5.7,trailing 9%,198,19.5,Volatile,30.2,5.35,3.0,113,-6,39,86,true,Hedge,Buy index puts 1% notional,34,-32,BrokerC,LMT,89,Drift>tolerance,Hedge,Allocation drift beyond policy bands,97,-38,199,3,false,Tighten stops on momentum names
P7951,Cautious,Trust,USD,2025-02-15,632685,58755,573930,1.0,46.0,37.6,0.0,16.3,BND:37.1%;MUB:37.1%;GLD:25.9%,US:72.5;EU:11.5;APAC:5.2;EM:8.2;Other:2.6,Value:+0.5;Growth:-0.4;Quality:-0.2;Size:-0.5;Momentum:+0.2;LowVol:-0.9,ESGOnly;NoDerivatives;NoMargin,7,35,5.7,trailing 10%,95,16.7,Bear,25.3,3.19,1.6,209,-56,35,53,false,Rebalance,Shift +1% to bonds from equity,34,13,BrokerC,MKT,100,None,None,Normal monitoring,85,-49,220,5,false,Monitor dispersion and breadth
P7952,Active,Trust,USD,2024-08-06,869823,67029,802794,1.0,60.1,27.1,6.2,6.6,VOO:22.1%;TSLA:21.3%;GLD:13.3%;AAPL:22.1%;VTI:21.2%,US:73.7;EU:10.3;APAC:6.3;EM:6.7;Other:3.0,Value:+0.8;Growth:-0.5;Quality:-0.0;Size:-0.0;Momentum:-1.0;LowVol:+0.3,,6,35,5.2,trailing 8%,221,22.3,Bear,32.7,3.35,1.3,166,-40,42,88,true,Hedge,Buy index puts 1% notional,-1,-7,BrokerD,LMT,91,Drift>tolerance,Reduce,Allocation drift beyond policy bands,86,-1,193,3,false,Monitor dispersion and breadth
P7953,Hands-off,IRA,USD,2025-01-20,631465,40779,590686,1.0,64.1,22.3,5.1,8.5,VOO:33.3%;TSLA:33.3%;BND:33.3%,US:62.8;EU:16.0;APAC:11.6;EM:5.7;Other:3.9,Value:-0.0;Growth:-0.5;Quality:+0.6;Size:+0.4;Momentum:-1.0;LowVol:-0.9,ESGOnly,5,30,3.0,trailing 8%,167,15.7,Volatile,27.8,4.1,4.2,131,-12,52,75,true,Rebalance,Rebalance back to target bands,-11,-10,BrokerB,LMT,85,VAR>budget,TightenStops,Risk above budget threshold,13,-46,32,3,false,Monitor dispersion and breadth
P7954,Active,Taxable,USD,2025-03-26,1319899,86934,1232965,1.17,59.2,28.3,7.0,5.6,HYG:26.0%;VTI:27.0%;VNQ:20.1%;VOO:27.0%,US:66.0;EU:18.1;APAC:12.4;EM:3.5;Other:0.0,Value:+0.8;Growth:0.0;Quality:+0.9;Size:+0.9;Momentum:+0.7;LowVol:-0.9,MaxPos5%,10,35,5.3,hard 12%,122,22.0,Volatile,25.3,4.65,4.1,130,69,99,75,true,Hedge,Buy index puts 1% notional,4,-40,BrokerA,LMT,97,VAR>budget,Hedge,Risk above budget threshold,49,-33,72,5,false,Tax-aware sells next window
P7955,Active,Taxable,USD,2025-03-13,2272038,148220,2123818,1.17,56.4,26.5,11.5,5.6,GLD:33.3%;TSLA:33.3%;VTI:33.3%,US:59.1;EU:19.3;APAC:6.6;EM:11.8;Other:3.2,Value:-0.4;Growth:0.0;Quality:0.0;Size:-0.4;Momentum:-0.7;LowVol:-0.9,MaxPos5%,8,35,4.6,trailing 8%,130,20.5,Bull,11.4,4.53,2.5,75,77,96,26,false,Sell,Trim extended winner -1%,4,-14,BrokerB,MKT,89,None,None,Normal monitoring,82,7,44,3,false,Tighten stops on momentum names
P7956,Opportunistic,Taxable,USD,2025-07-07,1088241,89456,998785,1.05,66.4,12.8,15.5,5.3,MUB:25.5%;QQQ:25.5%;VTI:13.7%;XLF:25.5%;IEF:9.8%,US:73.5;EU:9.5;APAC:7.9;EM:5.5;Other:3.6,Value:+0.3;Growth:-0.0;Quality:+0.4;Size:-0.8;Momentum:+0.3;LowVol:-0.9,MaxPos7%;NoDerivatives,8,35,6.7,trailing 7%,192,31.0,Volatile,22.2,3.82,2.8,120,-11,29,73,true,Rebalance,Rebalance back to target bands,-8,-29,BrokerB,MKT,87,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-43,-29,-2,5,false,Tax-aware sells next window
P7957,Active,Trust,USD,2024-11-20,1948269,120743,1827526,1.0,58.6,29.2,5.3,6.9,TLT:9.0%;XLF:22.7%;AAPL:22.7%;BND:22.7%;HYG:22.7%,US:69.1;EU:5.9;APAC:9.9;EM:11.4;Other:3.8,Value:+0.2;Growth:+0.4;Quality:0.0;Size:+0.2;Momentum:+0.7;LowVol:-0.7,MaxPos8%;NoDerivatives,6,35,6.0,trailing 8%,180,18.0,Volatile,26.3,3.5,4.0,150,-44,28,65,false,Hedge,Add TLT +1% as duration hedge,4,-26,BrokerA,VWAP,88,None,None,Normal monitoring,97,-60,188,3,false,Tighten stops on momentum names
P7958,Hands-off,401k,USD,2024-09-17,463769,28057,435712,1.0,66.0,25.6,0.5,7.9,MUB:35.3%;TSLA:35.3%;AMZN:29.3%,US:62.0;EU:16.8;APAC:12.7;EM:3.3;Other:5.3,Value:+0.8;Growth:-0.5;Quality:+0.7;Size:-0.4;Momentum:+0.3;LowVol:+0.6,ESGOnly;MaxPos6%,10,25,4.6,trailing 10%,167,18.5,Bear,29.6,3.21,2.2,218,-20,47,81,true,Hedge,Buy index puts 1% notional,16,-34,BrokerD,MKT,98,RegimeShift,TightenStops,Volatility spike and breadth deterioration,-49,-45,-9,5,false,Within IPS guidelines
P7959,Systematic,Trust,USD,2025-11-12,1554365,105869,1448496,1.0,61.2,20.7,10.0,8.1,VOO:15.9%;BRK.B:12.0%;GLD:11.2%;TSLA:22.1%;AAPL:22.1%;VTI:16.8%,US:72.6;EU:7.7;APAC:11.7;EM:4.9;Other:3.0,Value:-0.5;Growth:+0.7;Quality:+0.4;Size:+0.9;Momentum:-0.2;LowVol:+0.3,,7,25,4.8,trailing 8%,180,26.6,Volatile,20.9,3.9,3.7,140,-1,44,57,false,Rebalance,Shift +1% to bonds from equity,28,-22,BrokerD,MKT,94,None,None,Normal monitoring,89,19,191,5,false,Monitor dispersion and breadth
P7960,Opportunistic,401k,USD,2024-09-20,340471,19600,320871,1.12,61.7,10.8,22.2,5.3,XLF:34.0%;BRK.B:34.0%;IEF:32.0%,US:66.3;EU:18.0;APAC:6.6;EM:9.0;Other:0.1,Value:-0.7;Growth:-0.2;Quality:-0.3;Size:-1.0;Momentum:+0.8;LowVol:+0.8,NoDerivatives,7,30,6.3,hard 12%,272,22.8,Bull,17.6,4.55,3.1,81,49,87,48,false,Buy,Add to core equity +1%,-9,-31,BrokerA,LMT,94,None,None,Normal monitoring,19,-22,-21,4,false,Monitor dispersion and breadth
P7961,Hands-off,Taxable,USD,2024-09-04,428069,20848,407221,1.0,66.9,16.4,7.0,9.6,QQQ:32.7%;MSFT:33.6%;IEF:33.6%,US:73.4;EU:6.8;APAC:10.7;EM:8.7;Other:0.4,Value:+0.2;Growth:+0.6;Quality:+0.6;Size:0.0;Momentum:-0.1;LowVol:+0.8,MaxPos8%;NoDerivatives,10,25,3.3,trailing 8%,90,13.8,Volatile,20.6,3.83,4.2,162,-9,31,67,false,Rebalance,Shift +1% to bonds from equity,1,-17,BrokerB,MKT,95,None,None,Normal monitoring,-53,-18,-82,4,false,Monitor dispersion and breadth
P7962,Active,401k,USD,2025-06-02,1263389,93417,1169972,1.0,53.7,21.9,18.6,5.7,AAPL:27.4%;TSLA:27.4%;AMZN:27.4%;QQQ:17.7%,US:71.9;EU:6.7;APAC:11.6;EM:8.2;Other:1.6,Value:-0.9;Growth:+0.6;Quality:+0.8;Size:+0.7;Momentum:+0.5;LowVol:+0.6,MaxPos7%,5,35,4.6,trailing 9%,211,18.4,Bull,17.5,4.15,3.1,116,66,78,53,false,Rebalance,Shift +1% to bonds from equity,-13,5,BrokerC,LMT,94,None,None,Normal monitoring,-50,-54,-80,3,false,Tighten stops on momentum names
P7963,Hands-off,Trust,USD,2024-11-23,440237,42935,397302,1.0,66.0,26.6,0.0,7.4,GLD:27.0%;AAPL:20.6%;BND:27.0%;QQQ:25.5%,US:70.3;EU:6.1;APAC:12.8;EM:9.1;Other:1.7,Value:-0.3;Growth:-0.1;Quality:+0.7;Size:-0.1;Momentum:-0.8;LowVol:-0.4,ESGOnly,8,25,5.1,trailing 8%,130,13.2,Bull,12.3,3.64,2.8,112,49,84,49,false,Rebalance,Shift +1% to bonds from equity,-9,-21,BrokerA,LMT,95,None,None,Normal monitoring,35,-56,161,4,false,Tighten stops on momentum names
P7964,Hands-off,IRA,USD,2025-08-05,447955,34420,413535,1.0,56.6,29.5,6.0,8.0,QQQ:33.3%;VTI:33.3%;TLT:33.3%,US:69.7;EU:14.0;APAC:6.2;EM:10.0;Other:0.1,Value:+0.2;Growth:+0.7;Quality:+0.4;Size:+0.2;Momentum:-0.9;LowVol:+0.6,ESGOnly;MaxPos8%,5,35,4.8,hard 10%,134,14.8,Bear,24.1,3.51,1.9,139,-100,10,71,true,Rebalance,Rebalance back to target bands,21,-32,BrokerD,LMT,87,Drift>tolerance,Reduce,Allocation drift beyond policy bands,99,-50,215,3,false,Tax-aware sells next window
P7965,Cautious,Roth,USD,2024-07-05,718853,114789,604064,1.0,48.5,37.1,0.0,14.4,TLT:22.6%;AAPL:13.8%;XLF:22.6%;VNQ:22.6%;VOO:18.4%,US:69.9;EU:9.1;APAC:11.8;EM:5.4;Other:3.8,Value:+0.6;Growth:+0.2;Quality:+0.1;Size:-0.4;Momentum:-0.8;LowVol:-0.8,NoDerivatives;NoMargin,8,25,4.5,trailing 10%,96,16.5,Bear,26.9,3.79,2.6,188,26,78,60,false,Buy,Add to core equity +1%,32,-15,BrokerB,MKT,88,None,None,Normal monitoring,112,13,102,4,false,Monitor dispersion and breadth
P7966,Active,IRA,USD,2025-01-28,1070125,108833,961292,1.0,53.3,28.1,9.0,9.7,TLT:20.6%;HYG:28.1%;BRK.B:23.1%;MUB:28.1%,US:73.0;EU:10.3;APAC:9.5;EM:4.0;Other:3.1,Value:-0.9;Growth:+0.1;Quality:+0.5;Size:+0.2;Momentum:+0.2;LowVol:+0.4,MaxPos8%,7,30,5.0,trailing 9%,141,19.9,Volatile,31.1,4.74,2.1,135,-60,21,81,true,Hedge,Buy index puts 1% notional,5,8,BrokerD,LMT,92,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-3,-54,95,3,false,Within IPS guidelines
P7967,Systematic,401k,USD,2025-02-01,506093,38730,467363,1.0,57.8,27.8,6.1,8.3,BRK.B:22.4%;TLT:22.4%;XLF:11.2%;AAPL:22.4%;IEF:21.7%,US:61.4;EU:12.1;APAC:13.4;EM:10.8;Other:2.3,Value:-0.5;Growth:+0.3;Quality:-0.1;Size:-0.9;Momentum:-0.2;LowVol:-0.2,,10,25,4.4,hard 12%,139,23.1,Bear,31.7,3.17,2.7,162,8,64,73,true,Reduce,"Cut high-beta by 2-3%, add cash",-6,2,BrokerC,MKT,87,Drift>tolerance,Hedge,Allocation drift beyond policy bands,107,-49,124,5,false,Tax-aware sells next window
P7968,Systematic,Trust,USD,2025-10-31,455397,30914,424483,1.0,64.6,23.8,2.0,9.6,AMZN:16.9%;VNQ:21.1%;TSLA:8.7%;TLT:21.1%;HYG:19.2%;GLD:13.0%,US:62.8;EU:17.2;APAC:11.1;EM:4.6;Other:4.3,Value:+0.4;Growth:+0.4;Quality:-0.6;Size:+0.2;Momentum:+0.3;LowVol:-0.6,MaxPos6%;NoDerivatives,7,30,4.6,trailing 9%,187,18.4,Bull,13.6,4.34,3.1,107,111,92,41,false,NoAction,Within bands; monitor,-2,6,BrokerD,LMT,89,None,None,Normal monitoring,1,-16,128,3,false,Tighten stops on momentum names
P7969,Hands-off,Trust,USD,2024-09-26,174293,11452,162841,1.0,56.3,22.7,14.6,6.3,TLT:29.0%;GLD:12.9%;IEF:29.0%;MSFT:29.0%,US:79.0;EU:8.7;APAC:7.5;EM:4.7;Other:0.1,Value:+0.5;Growth:0.0;Quality:-0.3;Size:-0.5;Momentum:-0.2;LowVol:+0.4,ESGOnly;MaxPos5%;NoDerivatives,6,25,4.7,hard 10%,142,13.8,Volatile,25.9,5.37,3.7,180,44,59,65,false,Buy,Add to core equity +1%,14,-33,BrokerB,MKT,88,None,None,Normal monitoring,37,-58,53,3,false,Monitor dispersion and breadth
P7970,Active,IRA,USD,2025-05-25,799645,74479,725166,1.0,63.6,28.4,1.4,6.6,VOO:20.9%;QQQ:21.3%;BND:15.8%;VTI:21.3%;TLT:20.8%,US:73.8;EU:7.1;APAC:7.1;EM:7.8;Other:4.2,Value:+0.4;Growth:+0.4;Quality:+0.5;Size:+0.4;Momentum:-0.4;LowVol:-0.8,,8,30,4.5,trailing 8%,228,23.1,Volatile,24.1,5.1,2.6,127,12,70,69,false,Rebalance,Shift +1% to bonds from equity,17,-5,BrokerC,MKT,85,None,None,Normal monitoring,82,-60,144,3,false,Tax-aware sells next window
P7971,Opportunistic,Trust,USD,2025-08-25,596445,50609,545836,1.0,63.4,19.9,11.7,5.1,VTI:22.3%;HYG:22.3%;IEF:22.3%;TLT:17.6%;TSLA:15.6%,US:53.7;EU:14.9;APAC:14.8;EM:12.0;Other:4.6,Value:+0.8;Growth:+0.7;Quality:-0.7;Size:-0.7;Momentum:+0.7;LowVol:-0.1,MaxPos5%;NoDerivatives,5,30,4.1,hard 12%,259,23.2,Bull,14.2,4.41,3.0,79,9,48,54,false,Buy,Add to core equity +1%,27,-6,BrokerD,MKT,85,None,None,Normal monitoring,-12,-2,60,5,false,Increase defensive factor exposure
P7972,Systematic,Trust,USD,2025-04-30,1580036,106236,1473800,1.0,64.3,26.7,0.0,9.0,IEF:20.5%;AMZN:26.5%;VOO:26.5%;BND:26.5%,US:66.8;EU:12.1;APAC:12.6;EM:6.2;Other:2.3,Value:-0.1;Growth:-0.5;Quality:+0.7;Size:-0.7;Momentum:-0.8;LowVol:-0.5,NoDerivatives,6,25,5.6,trailing 9%,134,23.6,Bear,27.2,4.38,2.8,179,-23,25,65,false,Rebalance,Shift +1% to bonds from equity,13,2,BrokerD,VWAP,96,None,None,Normal monitoring,42,-39,168,4,false,Tighten stops on momentum names
P7973,Cautious,Roth,USD,2024-10-09,716094,68105,647989,1.0,37.2,32.7,19.7,10.4,GLD:33.3%;AMZN:33.3%;MUB:33.3%,US:78.6;EU:7.4;APAC:7.7;EM:5.7;Other:0.6,Value:-0.2;Growth:+0.3;Quality:+0.2;Size:-0.7;Momentum:-0.2;LowVol:+1.0,MaxPos7%;NoDerivatives;NoMargin,7,25,5.0,trailing 8%,106,15.5,Sideways,20.1,3.6,2.5,118,19,69,34,true,Hedge,Buy index puts 1% notional,10,6,BrokerD,MKT,97,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-50,5,-57,4,false,Tax-aware sells next window
P7974,Cautious,Trust,USD,2025-07-24,465373,44627,420746,1.0,37.3,38.9,10.5,13.2,QQQ:31.4%;TLT:19.6%;AAPL:17.6%;AMZN:31.4%,US:73.6;EU:5.7;APAC:9.3;EM:7.7;Other:3.6,Value:-0.2;Growth:-0.4;Quality:+0.9;Size:+0.5;Momentum:-0.5;LowVol:+0.7,ESGOnly;NoMargin,10,25,3.7,trailing 8%,110,19.0,Bull,17.2,3.86,2.5,87,103,99,33,true,Reduce,"Cut high-beta by 2-3%, add cash",24,-23,BrokerC,MKT,93,Drift>tolerance,Hedge,Allocation drift beyond policy bands,12,-49,-18,4,false,Within IPS guidelines
P7975,Hands-off,Trust,USD,2024-07-26,221463,20731,200732,1.0,57.2,16.8,19.9,6.1,BRK.B:10.7%;AAPL:22.3%;VNQ:22.3%;VOO:22.3%;HYG:22.3%,US:72.0;EU:9.0;APAC:4.9;EM:9.6;Other:4.5,Value:+0.3;Growth:-0.4;Quality:-1.0;Size:+0.4;Momentum:0.0;LowVol:-0.9,ESGOnly;MaxPos5%;NoDerivatives,8,35,4.5,hard 10%,165,18.7,Volatile,30.9,4.71,4.2,112,46,67,86,true,Hedge,Buy index puts 1% notional,4,10,BrokerD,MKT,100,VAR>budget,Hedge,Risk above budget threshold,66,18,54,2,false,Increase defensive factor exposure
P7976,Hands-off,IRA,USD,2025-10-25,421182,37640,383542,1.0,69.5,25.5,0.0,5.0,BND:27.0%;IEF:19.0%;MUB:27.0%;VTI:27.0%,US:69.5;EU:10.3;APAC:5.9;EM:12.3;Other:2.1,Value:-0.6;Growth:-0.8;Quality:-0.6;Size:+0.5;Momentum:+0.8;LowVol:-0.6,,5,30,4.9,trailing 8%,102,15.5,Volatile,20.1,4.9,2.4,122,33,80,67,false,Buy,Add to core equity +1%,30,12,BrokerC,MKT,97,None,None,Normal monitoring,-5,-28,24,5,false,Within IPS guidelines
P7977,Hands-off,401k,USD,2025-08-19,651459,46634,604825,1.0,60.7,17.3,15.7,6.3,AAPL:25.0%;BRK.B:25.0%;VOO:25.0%;TLT:25.0%,US:76.7;EU:5.8;APAC:9.1;EM:5.4;Other:3.0,Value:+0.2;Growth:+0.3;Quality:-0.0;Size:+0.6;Momentum:+0.9;LowVol:+0.9,MaxPos5%,7,30,4.3,trailing 10%,99,19.3,Volatile,23.1,3.53,3.8,111,-13,39,56,false,Rebalance,Shift +1% to bonds from equity,19,-20,BrokerC,LMT,88,None,None,Normal monitoring,78,-50,177,3,false,Tighten stops on momentum names
P7978,Active,IRA,USD,2025-07-10,1970506,151773,1818733,1.0,51.9,31.3,8.6,8.1,MUB:33.3%;IEF:33.3%;BND:33.3%,US:69.0;EU:9.1;APAC:11.2;EM:8.0;Other:2.7,Value:+0.5;Growth:-0.1;Quality:-0.2;Size:-0.6;Momentum:-0.5;LowVol:-0.0,NoDerivatives,7,35,5.7,trailing 9%,220,18.8,Bull,16.0,4.15,2.5,102,117,100,52,false,NoAction,Within bands; monitor,17,10,BrokerA,MKT,0,None,None,Normal monitoring,-60,-41,-81,3,false,Within IPS guidelines
P7979,Opportunistic,Taxable,USD,2025-11-12,1553345,89329,1464016,1.0,62.6,11.1,18.6,7.6,AMZN:33.3%;MSFT:33.3%;VNQ:33.3%,US:66.0;EU:12.8;APAC:12.7;EM:5.9;Other:2.6,Value:+0.2;Growth:+0.3;Quality:-0.7;Size:-0.3;Momentum:+0.5;LowVol:+0.4,MaxPos5%,10,25,6.6,trailing 7%,271,22.9,Bear,34.8,4.23,2.8,176,-84,18,90,true,Hedge,Buy index puts 1% notional,-9,3,BrokerC,VWAP,95,RegimeShift,Reduce,Volatility spike and breadth deterioration,98,-42,219,2,true,Tax-aware sells next window
P7980,Opportunistic,Roth,USD,2025-07-21,561759,40610,521149,1.0,76.9,13.8,4.1,5.2,TSLA:21.8%;AMZN:21.8%;VOO:15.1%;AAPL:21.8%;QQQ:11.6%;BRK.B:7.8%,US:68.0;EU:6.9;APAC:12.7;EM:9.2;Other:3.1,Value:-0.6;Growth:+0.2;Quality:-0.6;Size:0.0;Momentum:-0.2;LowVol:-0.6,NoDerivatives,10,25,4.0,trailing 7%,260,21.3,Sideways,19.8,4.96,2.9,107,49,80,57,false,Rebalance,Shift +1% to bonds from equity,17,1,BrokerD,MKT,90,None,None,Normal monitoring,42,-31,128,3,false,Monitor dispersion and breadth
P7981,Hands-off,Roth,USD,2025-11-06,366419,16153,350266,1.0,69.1,24.2,0.3,6.4,VTI:22.0%;QQQ:22.0%;AMZN:17.3%;BND:22.0%;VOO:16.8%,US:59.7;EU:16.8;APAC:12.4;EM:9.6;Other:1.5,Value:+0.7;Growth:+0.2;Quality:+0.3;Size:-0.8;Momentum:+0.6;LowVol:-0.0,,7,35,4.0,trailing 8%,150,13.6,Volatile,25.9,4.09,2.9,180,-19,35,63,false,NoAction,Within bands; monitor,8,-23,BrokerC,VWAP,88,None,None,Normal monitoring,78,-15,106,5,false,Within IPS guidelines
P7982,Systematic,Taxable,USD,2024-09-07,1740638,146673,1593965,1.0,62.3,30.7,0.0,7.1,AMZN:22.3%;TSLA:22.3%;MUB:11.5%;QQQ:22.3%;BRK.B:21.6%,US:60.2;EU:13.8;APAC:13.0;EM:9.1;Other:3.9,Value:-0.1;Growth:+0.9;Quality:-0.5;Size:-0.5;Momentum:-0.6;LowVol:-0.1,,5,30,5.0,hard 12%,188,18.7,Bear,28.5,4.02,1.4,134,-3,58,83,true,Hedge,Buy index puts 1% notional,25,-34,BrokerC,MKT,86,Drift>tolerance,Hedge,Allocation drift beyond policy bands,89,12,170,3,false,Increase defensive factor exposure
P7983,Opportunistic,Taxable,USD,2025-10-22,1634639,101995,1532644,1.0,67.5,18.5,8.8,5.1,VOO:23.0%;AMZN:10.2%;GLD:12.1%;IEF:20.6%;BRK.B:11.2%;HYG:23.0%,US:77.7;EU:6.7;APAC:8.9;EM:5.0;Other:1.7,Value:+0.7;Growth:-0.3;Quality:-0.9;Size:+0.3;Momentum:+0.9;LowVol:+0.3,NoDerivatives,6,35,4.5,hard 12%,243,32.3,Sideways,16.4,4.12,3.2,116,-2,51,58,false,Rebalance,Shift +1% to bonds from equity,27,-36,BrokerA,MKT,93,None,None,Normal monitoring,-58,-60,6,3,false,Tax-aware sells next window
P7984,Active,Trust,USD,2024-11-01,2211137,163448,2047689,1.0,68.0,21.5,4.7,5.8,TSLA:11.3%;MSFT:22.1%;TLT:14.7%;HYG:16.1%;AMZN:21.2%;VOO:14.5%,US:71.1;EU:12.9;APAC:8.7;EM:5.2;Other:2.1,Value:-0.7;Growth:-0.6;Quality:+0.4;Size:-0.6;Momentum:+0.4;LowVol:-0.7,MaxPos7%,7,30,4.6,trailing 8%,198,22.6,Volatile,31.7,5.15,2.3,142,-52,10,90,true,Hedge,Buy index puts 1% notional,-6,-38,BrokerB,MKT,86,Drift>tolerance,Hedge,Allocation drift beyond policy bands,90,-39,95,2,false,Tax-aware sells next window
P7985,Active,401k,USD,2025-02-28,2084774,229428,1855346,1.0,60.6,26.1,4.3,8.9,MSFT:37.3%;AMZN:25.4%;BND:37.3%,US:60.1;EU:13.7;APAC:7.1;EM:13.8;Other:5.4,Value:+0.6;Growth:+0.5;Quality:+0.8;Size:-1.0;Momentum:+0.3;LowVol:+0.5,MaxPos5%,8,30,5.3,trailing 9%,134,20.0,Bear,25.6,3.24,1.2,141,37,69,67,true,Hedge,Buy index puts 1% notional,12,-37,BrokerD,LMT,99,Drift>tolerance,Reduce,Allocation drift beyond policy bands,51,-49,96,2,false,Increase defensive factor exposure
P7986,Active,Roth,USD,2025-02-13,2264653,167303,2097350,1.0,60.0,26.3,5.0,8.7,VTI:33.3%;BND:33.3%;XLF:33.3%,US:67.1;EU:10.1;APAC:11.7;EM:8.5;Other:2.6,Value:+0.5;Growth:+0.9;Quality:+0.6;Size:+0.5;Momentum:-0.8;LowVol:-0.7,MaxPos6%,8,30,4.2,trailing 9%,141,17.7,Bull,16.4,4.81,3.1,81,110,100,51,true,Hedge,Buy index puts 1% notional,-2,-15,BrokerD,LMT,90,VAR>budget,TightenStops,Risk above budget threshold,86,-1,226,2,false,Within IPS guidelines
P7987,Systematic,Trust,USD,2025-09-17,1622191,84581,1537610,1.0,64.6,28.8,0.0,6.6,BND:26.9%;VOO:19.8%;TSLA:26.9%;QQQ:26.5%,US:70.8;EU:10.8;APAC:6.9;EM:8.2;Other:3.3,Value:-0.7;Growth:+0.1;Quality:-0.6;Size:0.0;Momentum:+0.2;LowVol:-0.7,MaxPos8%,10,25,4.3,hard 12%,212,16.6,Bull,14.6,4.4,2.9,78,76,73,54,false,Buy,Add to core equity +1%,30,-15,BrokerB,MKT,90,None,None,Normal monitoring,69,17,67,4,false,Tax-aware sells next window
P7988,Systematic,Roth,USD,2025-12-15,1869613,120536,1749077,1.0,56.9,29.1,7.5,6.5,BND:33.3%;QQQ:33.3%;AAPL:33.3%,US:67.4;EU:18.0;APAC:7.6;EM:4.0;Other:2.9,Value:+0.8;Growth:-0.0;Quality:+0.9;Size:+0.4;Momentum:-0.4;LowVol:-0.5,MaxPos8%;NoDerivatives,10,35,5.3,trailing 8%,158,21.3,Bull,13.5,4.83,2.8,100,87,99,48,false,Rebalance,Shift +1% to bonds from equity,29,-33,BrokerC,LMT,92,None,None,Normal monitoring,50,-5,14,4,false,Increase defensive factor exposure
P7989,Opportunistic,IRA,USD,2024-10-09,865955,58460,807495,1.0,72.6,12.3,7.7,7.4,AMZN:25.0%;VOO:25.0%;MUB:25.0%;VTI:25.0%,US:65.1;EU:13.6;APAC:12.4;EM:8.0;Other:0.9,Value:-0.3;Growth:+0.8;Quality:+0.3;Size:+0.8;Momentum:-0.2;LowVol:0.0,MaxPos7%,8,30,6.2,hard 12%,241,26.7,Bull,16.4,4.13,2.3,97,45,71,63,false,NoAction,Within bands; monitor,32,-19,BrokerC,LMT,91,None,None,Normal monitoring,-48,-58,6,5,false,Within IPS guidelines
P7990,Hands-off,IRA,USD,2025-12-03,197924,17545,180379,1.0,59.9,20.5,10.0,9.7,MSFT:27.0%;BRK.B:27.0%;XLF:27.0%;TLT:19.0%,US:70.2;EU:11.5;APAC:6.6;EM:8.7;Other:3.0,Value:+0.1;Growth:+0.5;Quality:-0.1;Size:-0.7;Momentum:+0.6;LowVol:+0.8,ESGOnly,7,25,5.5,trailing 8%,127,15.8,Sideways,17.2,4.97,2.7,113,40,83,41,false,NoAction,Within bands; monitor,28,4,BrokerA,MKT,0,None,None,Normal monitoring,-39,-4,-57,4,false,Increase defensive factor exposure
P7991,Systematic,Roth,USD,2025-03-23,1164778,108874,1055904,1.0,56.6,24.4,12.6,6.4,HYG:21.1%;MUB:21.1%;GLD:20.7%;XLF:21.1%;BND:15.8%,US:60.9;EU:18.0;APAC:11.1;EM:5.1;Other:4.9,Value:+0.8;Growth:-0.9;Quality:-0.5;Size:-0.9;Momentum:-1.0;LowVol:+0.9,MaxPos8%,6,25,5.1,hard 12%,220,18.3,Bull,11.6,4.07,2.6,84,101,100,42,false,Buy,Add to core equity +1%,2,-33,BrokerD,LMT,96,None,None,Normal monitoring,0,-1,53,5,false,Monitor dispersion and breadth
P7992,Hands-off,Trust,USD,2024-08-13,672316,64295,608021,1.0,58.3,21.6,14.5,5.6,VNQ:28.3%;BND:28.3%;XLF:15.2%;IEF:28.3%,US:66.1;EU:12.4;APAC:8.6;EM:9.0;Other:4.0,Value:+0.1;Growth:+0.6;Quality:+0.4;Size:+0.9;Momentum:+0.4;LowVol:+0.7,MaxPos6%,6,25,4.5,hard 10%,98,15.7,Sideways,15.5,3.51,2.9,101,21,69,37,false,Rebalance,Shift +1% to bonds from equity,8,9,BrokerC,LMT,87,None,None,Normal monitoring,22,-6,15,5,false,Tighten stops on momentum names
P7993,Opportunistic,401k,USD,2024-12-27,1200696,72853,1127843,1.0,66.5,14.2,13.6,5.7,VNQ:21.8%;IEF:21.8%;QQQ:21.8%;MUB:8.4%;AAPL:17.6%;VOO:8.5%,US:67.4;EU:9.8;APAC:14.1;EM:4.8;Other:3.9,Value:-0.6;Growth:-0.1;Quality:+0.8;Size:+1.0;Momentum:0.0;LowVol:+0.2,,7,35,6.3,hard 12%,270,21.0,Volatile,25.2,4.44,4.0,147,6,66,62,true,Hedge,Buy index puts 1% notional,32,-18,BrokerD,MKT,91,RegimeShift,Pause,Volatility spike and breadth deterioration,-56,-13,68,2,false,Within IPS guidelines
P7994,Active,IRA,USD,2024-10-15,1851465,137201,1714264,1.0,56.0,26.2,9.1,8.7,IEF:28.1%;AAPL:28.1%;BRK.B:15.6%;AMZN:28.1%,US:59.4;EU:17.2;APAC:9.7;EM:9.4;Other:4.2,Value:-0.3;Growth:+0.4;Quality:+0.8;Size:-1.0;Momentum:-0.4;LowVol:-0.4,,6,30,5.9,trailing 8%,218,26.0,Volatile,26.9,5.16,3.6,145,-42,39,69,false,Sell,Trim extended winner -1%,21,8,BrokerD,LMT,98,None,None,Normal monitoring,-33,-19,-56,5,false,Tax-aware sells next window
P7995,Cautious,Trust,USD,2025-07-08,740939,61623,679316,1.0,38.2,35.8,9.9,16.1,HYG:15.4%;VOO:18.5%;MUB:17.1%;MSFT:20.5%;XLF:19.8%;BND:8.7%,US:61.7;EU:15.2;APAC:10.5;EM:11.2;Other:1.4,Value:0.0;Growth:-1.0;Quality:-0.4;Size:+0.6;Momentum:-0.3;LowVol:+0.1,NoMargin,6,30,3.5,trailing 8%,116,19.2,Bull,11.5,3.62,2.7,77,115,93,24,true,Hedge,Buy index puts 1% notional,22,-10,BrokerD,LMT,94,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,98,-44,157,5,false,Increase defensive factor exposure
P7996,Cautious,Roth,USD,2025-06-23,654308,81067,573241,1.0,42.1,39.8,7.6,10.5,VTI:20.7%;AAPL:12.8%;VOO:22.3%;TLT:22.0%;BRK.B:22.3%,US:62.4;EU:16.9;APAC:8.6;EM:9.6;Other:2.4,Value:-0.8;Growth:+0.9;Quality:+0.9;Size:-0.9;Momentum:-0.9;LowVol:+0.5,NoDerivatives;NoMargin,8,35,5.5,trailing 8%,93,16.9,Bear,26.4,3.89,2.9,143,28,67,67,false,Rebalance,Shift +1% to bonds from equity,-11,-1,BrokerC,LMT,94,None,None,Normal monitoring,68,18,169,4,false,Within IPS guidelines
P7997,Cautious,Roth,USD,2025-07-31,264096,21789,242307,1.0,48.5,32.2,8.5,10.8,BND:23.3%;BRK.B:23.3%;TSLA:23.3%;VOO:17.5%;VNQ:12.5%,US:65.9;EU:9.1;APAC:16.8;EM:4.9;Other:3.3,Value:-0.4;Growth:+0.4;Quality:-0.2;Size:-0.5;Momentum:+0.9;LowVol:+0.9,ESGOnly;NoMargin,6,30,3.1,trailing 8%,136,16.3,Bear,31.6,3.59,2.4,172,-35,38,75,true,Rebalance,Rebalance back to target bands,1,-10,BrokerB,MKT,97,VAR>budget,Hedge,Risk above budget threshold,93,-20,97,4,false,Tighten stops on momentum names
P7998,Active,401k,USD,2024-11-17,2284993,208489,2076504,1.0,52.5,27.5,12.2,7.8,AMZN:13.6%;IEF:23.8%;VNQ:18.4%;QQQ:20.4%;HYG:23.8%,US:58.8;EU:19.0;APAC:11.3;EM:6.2;Other:4.7,Value:-0.6;Growth:-0.1;Quality:+0.6;Size:-0.6;Momentum:-0.6;LowVol:+0.9,MaxPos6%,8,30,6.0,trailing 9%,182,20.6,Volatile,21.4,5.24,2.2,156,20,53,46,false,Rebalance,Shift +1% to bonds from equity,0,-15,BrokerA,MKT,90,None,None,Normal monitoring,42,-2,127,5,false,Monitor dispersion and breadth
P7999,Opportunistic,Taxable,USD,2024-12-08,1186373,82681,1103692,1.0,73.8,21.1,0.0,5.1,VTI:25.0%;XLF:25.0%;HYG:25.0%;MUB:25.0%,US:66.3;EU:9.9;APAC:12.5;EM:9.9;Other:1.3,Value:-0.5;Growth:+0.9;Quality:+0.6;Size:+0.7;Momentum:-0.4;LowVol:-0.5,,7,25,4.7,trailing 9%,231,21.4,Bull,17.5,4.57,3.2,105,17,72,52,false,Rebalance,Shift +1% to bonds from equity,24,-8,BrokerA,MKT,85,None,None,Normal monitoring,112,-27,163,5,false,Increase defensive factor exposure
P8000,Cautious,Roth,USD,2025-06-04,796961,114019,682942,1.0,45.9,32.5,6.2,15.4,VOO:14.5%;TSLA:28.5%;IEF:28.5%;BRK.B:28.5%,US:69.5;EU:11.7;APAC:10.6;EM:7.1;Other:1.1,Value:-0.1;Growth:-0.0;Quality:+0.8;Size:+0.7;Momentum:+1.0;LowVol:-0.8,MaxPos7%;NoDerivatives;NoMargin,10,25,4.8,trailing 8%,127,19.0,Bear,25.4,3.78,2.9,157,39,82,63,false,Buy,Add to core equity +1%,14,-25,BrokerC,VWAP,97,None,None,Normal monitoring,105,12,199,3,false,Within IPS guidelines
P8001,Cautious,Trust,USD,2025-04-12,557304,47663,509641,1.0,52.1,36.3,1.3,10.2,VNQ:27.3%;MUB:27.3%;QQQ:27.3%;VOO:18.2%,US:72.1;EU:10.2;APAC:7.3;EM:8.5;Other:1.8,Value:-0.3;Growth:+0.9;Quality:+0.8;Size:+0.8;Momentum:-0.5;LowVol:-1.0,ESGOnly;MaxPos8%;NoMargin,8,30,5.8,trailing 8%,109,18.9,Volatile,25.6,4.51,3.8,150,-38,40,72,true,Hedge,Buy index puts 1% notional,-13,15,BrokerD,MKT,94,Drift>tolerance,Reduce,Allocation drift beyond policy bands,48,-60,58,2,false,Monitor dispersion and breadth
P8002,Opportunistic,401k,USD,2024-12-12,536444,45298,491146,1.0,76.7,11.9,4.6,6.9,BND:14.5%;GLD:23.4%;TLT:13.1%;MSFT:23.4%;VTI:15.0%;AAPL:10.6%,US:59.3;EU:18.5;APAC:10.0;EM:8.5;Other:3.8,Value:-0.6;Growth:-0.4;Quality:-0.2;Size:+0.5;Momentum:+0.9;LowVol:+1.0,,7,25,5.8,trailing 9%,217,22.2,Bear,32.8,3.69,2.9,192,38,62,92,true,Hedge,Buy index puts 1% notional,-3,-28,BrokerB,MKT,91,VAR>budget,Reduce,Risk above budget threshold,46,-14,66,4,false,Monitor dispersion and breadth
P8003,Hands-off,IRA,USD,2024-08-30,780524,62161,718363,1.0,69.7,16.7,7.4,6.2,VTI:21.0%;BND:19.5%;MUB:23.8%;GLD:23.8%;HYG:11.9%,US:67.7;EU:13.1;APAC:10.9;EM:4.4;Other:3.9,Value:+0.2;Growth:+0.3;Quality:+0.1;Size:-0.5;Momentum:-0.0;LowVol:-0.3,ESGOnly,8,35,4.8,trailing 8%,123,19.4,Bear,28.4,3.18,2.6,208,-25,34,75,true,Hedge,Buy index puts 1% notional,34,-33,BrokerD,LMT,88,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,62,5,42,4,false,Tax-aware sells next window
P8004,Opportunistic,Taxable,USD,2025-05-02,814304,28343,785961,1.0,75.8,17.8,1.7,4.7,AAPL:8.8%;VTI:21.4%;TLT:21.4%;HYG:21.4%;GLD:17.4%;BRK.B:9.7%,US:60.5;EU:22.1;APAC:10.6;EM:6.5;Other:0.3,Value:-0.5;Growth:-0.7;Quality:+0.4;Size:+0.6;Momentum:-0.9;LowVol:-0.3,MaxPos5%,8,25,4.1,trailing 9%,260,31.5,Bull,15.0,3.72,2.5,95,80,100,60,false,NoAction,Within bands; monitor,31,-16,BrokerA,VWAP,93,None,None,Normal monitoring,-28,-43,75,3,false,Tax-aware sells next window
P8005,Cautious,Trust,USD,2025-01-21,670545,104898,565647,1.0,47.2,35.8,4.5,12.5,XLF:25.1%;GLD:25.1%;IEF:25.1%;VOO:24.6%,US:69.4;EU:12.8;APAC:10.0;EM:5.5;Other:2.3,Value:+0.6;Growth:+0.4;Quality:+0.5;Size:-0.8;Momentum:-0.6;LowVol:+0.5,ESGOnly;MaxPos7%;NoMargin,5,35,4.3,hard 10%,166,18.6,Sideways,19.0,4.0,2.7,128,32,73,55,false,Rebalance,Shift +1% to bonds from equity,17,-28,BrokerC,MKT,89,None,None,Normal monitoring,-18,-46,20,4,false,Increase defensive factor exposure
P8006,Hands-off,401k,USD,2025-06-29,159950,14482,145468,1.0,56.8,16.4,21.5,5.3,AAPL:28.7%;MUB:35.7%;IEF:35.7%,US:63.6;EU:13.3;APAC:10.5;EM:9.9;Other:2.7,Value:-0.1;Growth:+0.1;Quality:-0.9;Size:+0.6;Momentum:+0.1;LowVol:+0.8,,10,25,5.8,trailing 10%,98,19.4,Sideways,14.6,4.63,3.4,132,43,79,33,false,NoAction,Within bands; monitor,12,-11,BrokerA,MKT,0,None,None,Normal monitoring,65,-41,167,5,false,Tax-aware sells next window
P8007,Cautious,Trust,USD,2025-04-14,332447,36316,296131,1.0,38.7,30.6,17.1,13.6,VOO:15.5%;AAPL:16.2%;MSFT:19.3%;VNQ:21.2%;XLF:21.2%;TLT:6.6%,US:73.8;EU:8.5;APAC:6.3;EM:6.8;Other:4.5,Value:-0.2;Growth:-0.0;Quality:+0.8;Size:0.0;Momentum:+0.5;LowVol:+0.7,ESGOnly;MaxPos5%;NoDerivatives;NoMargin,6,35,5.2,trailing 8%,131,12.1,Sideways,15.2,4.04,3.5,115,41,56,30,false,Rebalance,Shift +1% to bonds from equity,6,-27,BrokerC,MKT,90,None,None,Normal monitoring,-5,-15,131,5,false,Tighten stops on momentum names
P8008,Systematic,401k,USD,2025-04-25,1552891,69806,1483085,1.0,63.9,26.4,0.0,9.7,BRK.B:33.3%;HYG:33.3%;VNQ:33.3%,US:69.1;EU:5.9;APAC:8.0;EM:12.3;Other:4.7,Value:+0.4;Growth:-0.6;Quality:-0.3;Size:+0.1;Momentum:+0.6;LowVol:+0.7,,6,25,5.6,trailing 8%,182,18.6,Bull,15.4,3.93,3.3,96,94,94,56,false,Buy,Add to core equity +1%,24,-1,BrokerB,MKT,99,None,None,Normal monitoring,-50,-8,-64,5,false,Increase defensive factor exposure
P8009,Cautious,Trust,USD,2025-01-31,655487,64818,590669,1.0,44.6,40.1,0.8,14.5,TSLA:17.1%;XLF:21.8%;VNQ:21.8%;BND:17.6%;AMZN:21.8%,US:65.4;EU:8.6;APAC:14.1;EM:9.7;Other:2.2,Value:-0.3;Growth:+1.0;Quality:-0.2;Size:+0.9;Momentum:-0.3;LowVol:+0.6,ESGOnly;NoMargin,7,35,5.2,hard 10%,126,18.7,Bear,27.6,4.31,1.8,147,-99,5,55,false,Sell,Trim extended winner -1%,34,-27,BrokerC,LMT,85,None,None,Normal monitoring,107,-29,90,5,false,Monitor dispersion and breadth
P8010,Opportunistic,401k,USD,2025-11-18,790981,24080,766901,1.11,69.7,12.4,13.3,4.6,VNQ:15.8%;TSLA:23.0%;AAPL:15.0%;VTI:23.0%;AMZN:23.0%,US:66.4;EU:18.0;APAC:6.4;EM:5.4;Other:3.8,Value:+0.8;Growth:-0.4;Quality:+0.8;Size:+0.9;Momentum:-1.0;LowVol:-0.1,MaxPos6%;NoDerivatives,6,25,6.5,trailing 7%,209,25.9,Volatile,27.7,3.76,2.3,139,71,71,80,true,Hedge,Buy index puts 1% notional,22,12,BrokerA,LMT,96,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,87,-41,178,5,true,Tighten stops on momentum names
P8011,Cautious,Taxable,USD,2025-01-06,156973,20858,136115,1.0,38.7,33.9,12.0,15.4,AAPL:24.2%;IEF:23.8%;AMZN:26.0%;HYG:26.0%,US:64.7;EU:10.4;APAC:11.0;EM:10.6;Other:3.3,Value:-0.1;Growth:+0.2;Quality:-0.5;Size:+0.8;Momentum:-0.0;LowVol:+0.5,ESGOnly;NoDerivatives;NoMargin,8,25,3.1,trailing 8%,95,14.8,Bull,17.5,4.08,2.9,102,81,91,42,false,Sell,Trim extended winner -1%,20,-2,BrokerB,MKT,88,None,None,Normal monitoring,11,-41,13,3,false,Increase defensive factor exposure
P8012,Active,Taxable,USD,2025-03-28,2254216,137864,2116352,1.0,54.0,26.0,14.4,5.6,GLD:33.3%;MSFT:33.3%;QQQ:33.3%,US:70.6;EU:10.0;APAC:11.9;EM:3.5;Other:4.1,Value:-0.2;Growth:-0.5;Quality:-0.5;Size:-0.1;Momentum:+0.2;LowVol:-0.9,,5,30,5.5,trailing 8%,142,19.9,Bull,16.5,3.57,3.1,83,31,53,49,false,Buy,Add to core equity +1%,-9,-11,BrokerA,VWAP,90,None,None,Normal monitoring,16,-41,12,4,false,Monitor dispersion and breadth
P8013,Cautious,Trust,USD,2025-07-29,782575,103208,679367,1.0,46.2,41.8,1.4,10.7,TSLA:21.0%;AAPL:21.0%;GLD:19.9%;XLF:15.1%;QQQ:15.1%;HYG:7.9%,US:65.0;EU:14.8;APAC:12.1;EM:6.8;Other:1.3,Value:+0.5;Growth:0.0;Quality:+0.3;Size:-0.3;Momentum:-0.7;LowVol:-0.0,ESGOnly;NoMargin,5,35,3.3,trailing 10%,138,18.1,Volatile,31.0,5.37,3.3,178,-59,29,79,true,Hedge,Buy index puts 1% notional,-5,-31,BrokerC,LMT,96,Drift>tolerance,Hedge,Allocation drift beyond policy bands,24,17,115,5,false,Tighten stops on momentum names
P8014,Hands-off,Trust,USD,2025-10-04,713664,51422,662242,1.0,58.6,25.4,10.7,5.3,XLF:33.3%;VNQ:33.3%;HYG:33.3%,US:62.4;EU:15.5;APAC:13.9;EM:5.1;Other:3.2,Value:-0.1;Growth:+0.7;Quality:+0.4;Size:-0.5;Momentum:+0.1;LowVol:-0.9,MaxPos7%,10,30,3.9,trailing 8%,163,13.7,Sideways,14.6,4.41,2.2,133,8,57,36,false,Rebalance,Shift +1% to bonds from equity,3,-20,BrokerD,LMT,93,None,None,Normal monitoring,77,4,177,3,false,Tax-aware sells next window
P8015,Hands-off,Trust,USD,2024-10-30,406705,25582,381123,1.0,66.2,22.4,5.6,5.8,TLT:33.3%;VTI:33.3%;HYG:33.3%,US:73.3;EU:12.8;APAC:10.0;EM:3.2;Other:0.7,Value:-0.7;Growth:-0.3;Quality:-0.7;Size:-0.8;Momentum:-0.4;LowVol:-0.5,ESGOnly,8,35,5.9,trailing 10%,139,15.6,Bull,16.7,4.78,2.7,76,79,77,51,false,Buy,Add to core equity +1%,-9,-18,BrokerD,MKT,86,None,None,Normal monitoring,29,-40,126,5,false,Tighten stops on momentum names
P8016,Opportunistic,Roth,USD,2025-12-25,996001,55149,940852,1.14,72.1,20.3,0.0,7.7,HYG:25.0%;AAPL:25.0%;MSFT:25.0%;IEF:25.0%,US:66.9;EU:19.1;APAC:6.8;EM:6.2;Other:1.0,Value:+0.4;Growth:+0.6;Quality:-0.5;Size:+0.2;Momentum:+0.2;LowVol:-0.7,MaxPos7%,10,35,5.1,hard 12%,256,22.4,Sideways,19.5,3.51,2.7,126,11,62,59,false,Buy,Add to core equity +1%,-9,-10,BrokerD,LMT,86,None,None,Normal monitoring,30,2,139,4,false,Increase defensive factor exposure
P8017,Active,401k,USD,2024-07-06,2357847,163240,2194607,1.17,61.1,26.8,2.9,9.2,HYG:21.8%;MSFT:9.7%;QQQ:21.8%;IEF:21.8%;BRK.B:8.8%;XLF:16.2%,US:63.1;EU:11.7;APAC:11.4;EM:11.8;Other:1.9,Value:0.0;Growth:+0.7;Quality:-0.8;Size:+0.7;Momentum:-0.4;LowVol:+0.7,NoDerivatives,5,30,4.6,trailing 9%,136,17.3,Bull,14.5,4.62,3.2,95,89,82,41,false,Buy,Add to core equity +1%,-4,-33,BrokerD,LMT,90,None,None,Normal monitoring,106,-60,197,5,false,Within IPS guidelines
P8018,Cautious,Taxable,USD,2025-02-03,196334,28479,167855,1.0,41.1,32.4,15.5,11.0,TSLA:11.3%;AAPL:19.1%;BRK.B:21.0%;VNQ:24.3%;XLF:24.3%,US:74.7;EU:7.0;APAC:13.4;EM:4.5;Other:0.4,Value:+0.5;Growth:+0.8;Quality:-0.8;Size:-0.4;Momentum:+0.1;LowVol:0.0,ESGOnly;MaxPos8%;NoMargin,10,30,3.4,trailing 8%,126,16.4,Sideways,15.3,3.88,2.4,97,-7,45,28,false,NoAction,Within bands; monitor,-7,-36,BrokerC,MKT,0,None,None,Normal monitoring,63,-37,26,4,false,Monitor dispersion and breadth
P8019,Systematic,IRA,USD,2025-11-19,1683822,116191,1567631,1.0,55.3,21.9,15.0,7.8,TSLA:11.2%;MUB:24.5%;AMZN:21.6%;HYG:18.3%;VTI:24.5%,US:55.7;EU:14.4;APAC:14.2;EM:11.7;Other:4.1,Value:-0.3;Growth:+0.6;Quality:+0.8;Size:-1.0;Momentum:-1.0;LowVol:+0.2,MaxPos6%,6,35,5.9,hard 12%,192,21.3,Volatile,29.5,5.29,3.0,164,28,54,80,true,Hedge,Buy index puts 1% notional,28,-9,BrokerC,MKT,96,Drift>tolerance,Hedge,Allocation drift beyond policy bands,75,18,91,3,false,Increase defensive factor exposure
P8020,Active,Roth,USD,2024-07-14,783479,74178,709301,1.0,61.4,23.5,9.8,5.3,TSLA:33.3%;VNQ:33.3%;HYG:33.3%,US:62.7;EU:15.1;APAC:15.2;EM:4.7;Other:2.3,Value:-0.6;Growth:-0.7;Quality:-0.7;Size:-0.6;Momentum:-0.1;LowVol:+0.6,MaxPos8%,5,30,4.1,trailing 9%,181,17.7,Bull,13.7,4.07,3.0,85,67,70,43,false,NoAction,Within bands; monitor,32,-35,BrokerD,MKT,0,None,None,Normal monitoring,75,-18,73,3,false,Tighten stops on momentum names
P8021,Cautious,Roth,USD,2025-08-28,277578,31619,245959,1.0,39.8,39.2,10.2,10.9,BND:34.5%;XLF:34.5%;IEF:30.9%,US:72.9;EU:11.1;APAC:6.7;EM:4.5;Other:4.8,Value:-0.7;Growth:-0.6;Quality:-0.4;Size:+0.6;Momentum:+0.4;LowVol:+0.8,MaxPos7%;NoMargin,5,30,4.9,trailing 8%,98,14.5,Sideways,14.9,4.39,2.8,117,11,62,35,false,Hedge,Add TLT +1% as duration hedge,-1,-7,BrokerC,MKT,94,None,None,Normal monitoring,-6,-56,-19,4,false,Increase defensive factor exposure
P8022,Systematic,401k,USD,2024-10-17,1268066,111140,1156926,1.0,57.4,32.5,4.2,5.9,VTI:24.2%;TSLA:25.3%;BND:25.3%;AMZN:25.3%,US:73.3;EU:5.6;APAC:5.2;EM:11.8;Other:4.0,Value:+0.4;Growth:+0.9;Quality:-0.7;Size:-0.3;Momentum:-1.0;LowVol:+0.3,,10,35,5.4,trailing 8%,197,24.6,Sideways,20.8,4.48,2.2,93,-11,34,57,false,Buy,Add to core equity +1%,25,-25,BrokerC,MKT,93,None,None,Normal monitoring,27,-33,10,5,false,Within IPS guidelines
P8023,Hands-off,Taxable,USD,2025-04-26,897108,37637,859471,1.0,68.3,20.9,5.0,5.8,MSFT:28.5%;MUB:28.5%;IEF:14.6%;BRK.B:28.5%,US:61.1;EU:13.9;APAC:15.4;EM:7.0;Other:2.5,Value:+1.0;Growth:+0.5;Quality:+0.1;Size:-0.3;Momentum:-0.4;LowVol:-0.7,MaxPos7%,10,35,5.2,trailing 10%,127,13.4,Bull,14.5,4.85,3.3,112,57,89,44,false,Buy,Add to core equity +1%,22,-3,BrokerD,LMT,96,None,None,Normal monitoring,37,-37,10,4,false,Tighten stops on momentum names
P8024,Systematic,Roth,USD,2025-07-15,1456259,65134,1391125,1.0,66.1,21.9,3.0,9.0,MUB:23.2%;AMZN:23.2%;HYG:10.5%;VOO:23.2%;IEF:19.9%,US:63.1;EU:13.5;APAC:10.5;EM:8.4;Other:4.5,Value:-0.4;Growth:-0.9;Quality:-0.4;Size:-0.4;Momentum:+0.1;LowVol:-0.6,,10,30,5.5,trailing 9%,209,18.6,Bull,13.7,3.87,3.5,105,54,87,46,false,Rebalance,Shift +1% to bonds from equity,4,3,BrokerD,MKT,90,None,None,Normal monitoring,22,-34,64,5,false,Within IPS guidelines
P8025,Active,Trust,USD,2025-10-15,2275211,250849,2024362,1.0,59.1,18.3,13.4,9.2,TSLA:25.7%;GLD:25.7%;HYG:22.9%;VNQ:25.7%,US:59.5;EU:14.8;APAC:10.4;EM:11.3;Other:4.0,Value:-0.9;Growth:+0.7;Quality:+0.9;Size:-0.3;Momentum:-0.1;LowVol:-0.7,,7,25,5.0,trailing 8%,226,25.2,Bear,33.2,3.6,1.9,150,-27,38,72,true,Reduce,"Cut high-beta by 2-3%, add cash",20,-18,BrokerA,VWAP,91,RegimeShift,TightenStops,Volatility spike and breadth deterioration,-24,9,9,3,false,Monitor dispersion and breadth
P8026,Systematic,Taxable,USD,2025-01-24,611741,39272,572469,1.0,63.5,27.3,2.7,6.5,VTI:21.9%;VOO:26.0%;AMZN:26.0%;BND:26.0%,US:56.8;EU:18.5;APAC:14.0;EM:6.2;Other:4.6,Value:+0.1;Growth:+0.8;Quality:-0.3;Size:-0.5;Momentum:-0.8;LowVol:-0.5,MaxPos7%;NoDerivatives,8,35,4.5,hard 12%,140,24.0,Bear,28.9,4.07,2.5,142,-102,5,74,true,Rebalance,Rebalance back to target bands,6,-20,BrokerC,VWAP,89,RegimeShift,Reduce,Volatility spike and breadth deterioration,117,-7,161,4,false,Tax-aware sells next window
P8027,Cautious,IRA,USD,2025-11-07,410017,36620,373397,1.0,48.3,31.7,4.7,15.3,IEF:8.1%;BRK.B:20.4%;TSLA:13.0%;MUB:20.7%;VOO:17.0%;HYG:20.7%,US:62.5;EU:19.5;APAC:9.2;EM:6.2;Other:2.6,Value:+0.2;Growth:-0.6;Quality:+0.7;Size:+0.1;Momentum:-0.7;LowVol:-0.1,MaxPos8%;NoMargin,5,35,3.4,trailing 10%,129,15.8,Sideways,17.1,4.21,2.3,131,51,77,39,false,Hedge,Add TLT +1% as duration hedge,-10,-10,BrokerC,LMT,87,None,None,Normal monitoring,112,-27,118,5,false,Tax-aware sells next window
P8028,Systematic,IRA,USD,2024-07-14,867864,59359,808505,1.0,55.4,27.7,10.6,6.4,VNQ:22.2%;HYG:14.5%;QQQ:13.9%;MSFT:24.7%;GLD:24.7%,US:65.6;EU:14.0;APAC:11.1;EM:9.0;Other:0.4,Value:-0.1;Growth:-0.2;Quality:-0.2;Size:-0.6;Momentum:+0.9;LowVol:+0.3,,6,25,4.4,trailing 9%,127,23.2,Bull,15.2,4.62,3.2,70,30,73,33,false,NoAction,Within bands; monitor,35,-30,BrokerD,MKT,0,None,None,Normal monitoring,89,-45,169,3,false,Tax-aware sells next window
P8029,Active,IRA,USD,2024-12-12,948507,107284,841223,1.07,52.8,18.2,21.1,7.9,HYG:26.7%;BRK.B:26.7%;QQQ:19.8%;BND:26.7%,US:69.2;EU:11.0;APAC:13.6;EM:3.1;Other:3.1,Value:-0.0;Growth:-0.2;Quality:+0.2;Size:+0.6;Momentum:-0.5;LowVol:-0.3,NoDerivatives,10,35,4.1,trailing 9%,146,21.0,Volatile,25.2,4.67,4.1,151,-18,44,72,true,Hedge,Buy index puts 1% notional,-7,-34,BrokerA,LMT,97,VAR>budget,TightenStops,Risk above budget threshold,-41,-19,-60,3,false,Tax-aware sells next window
P8030,Active,Trust,USD,2025-11-12,1190222,136490,1053732,1.0,62.1,21.9,7.6,8.4,GLD:26.9%;VOO:19.4%;XLF:26.9%;QQQ:26.9%,US:57.2;EU:16.5;APAC:13.5;EM:12.1;Other:0.6,Value:-0.2;Growth:-0.6;Quality:-1.0;Size:+0.1;Momentum:-0.6;LowVol:-0.2,MaxPos7%,7,30,5.6,hard 12%,143,19.5,Sideways,21.8,3.94,3.0,133,49,89,61,true,Hedge,Buy index puts 1% notional,16,-22,BrokerA,MKT,86,Drift>tolerance,Reduce,Allocation drift beyond policy bands,59,-3,63,2,false,Increase defensive factor exposure
P8031,Cautious,Taxable,USD,2025-12-08,348417,42078,306339,1.0,50.4,35.8,0.0,13.8,VTI:20.7%;AMZN:15.1%;MSFT:16.8%;HYG:20.7%;GLD:6.6%;TLT:20.3%,US:65.1;EU:12.5;APAC:12.7;EM:8.6;Other:1.2,Value:+0.8;Growth:-0.7;Quality:+0.3;Size:+0.4;Momentum:-0.0;LowVol:-0.8,MaxPos5%;NoMargin,5,30,4.9,hard 10%,141,16.1,Bull,11.7,4.85,3.2,78,78,80,32,false,Hedge,Add TLT +1% as duration hedge,-8,-27,BrokerB,VWAP,91,None,None,Normal monitoring,-8,5,88,3,false,Monitor dispersion and breadth
P8032,Hands-off,Trust,USD,2025-01-02,750192,63255,686937,1.0,60.7,20.7,10.0,8.6,AAPL:26.3%;VOO:26.3%;QQQ:21.1%;MSFT:26.3%,US:64.0;EU:17.0;APAC:6.2;EM:12.1;Other:0.7,Value:-0.1;Growth:-0.9;Quality:-0.7;Size:-0.5;Momentum:+0.9;LowVol:+0.6,MaxPos7%;NoDerivatives,7,35,3.9,hard 10%,105,19.0,Bull,11.6,3.8,2.7,91,110,100,44,false,Rebalance,Shift +1% to bonds from equity,-5,-6,BrokerA,MKT,92,None,None,Normal monitoring,27,-15,90,3,false,Within IPS guidelines
P8033,Cautious,Roth,USD,2025-01-05,350205,44896,305309,1.0,48.0,35.3,2.0,14.8,TLT:33.9%;MUB:32.2%;IEF:33.9%,US:67.8;EU:15.0;APAC:11.3;EM:3.1;Other:2.8,Value:-1.0;Growth:-0.7;Quality:-0.9;Size:+0.1;Momentum:-0.4;LowVol:+0.5,MaxPos6%;NoMargin,8,25,4.1,hard 10%,122,17.5,Volatile,20.3,4.26,3.5,137,-21,33,59,false,Sell,Trim extended winner -1%,28,-24,BrokerD,MKT,100,None,None,Normal monitoring,-11,2,-19,5,false,Within IPS guidelines
P8034,Cautious,Taxable,USD,2025-10-29,673040,104331,568709,1.0,37.6,38.9,6.4,17.1,VTI:17.3%;VOO:23.2%;XLF:23.2%;TLT:20.4%;HYG:16.0%,US:58.7;EU:19.0;APAC:12.5;EM:5.5;Other:4.2,Value:+0.7;Growth:+0.9;Quality:+0.4;Size:+0.9;Momentum:+0.6;LowVol:-0.5,MaxPos6%;NoDerivatives;NoMargin,6,35,4.2,trailing 8%,90,15.6,Bull,13.1,3.57,2.3,100,37,62,37,false,Rebalance,Shift +1% to bonds from equity,20,-29,BrokerA,MKT,88,None,None,Normal monitoring,105,20,158,5,false,Tax-aware sells next window
P8035,Active,Taxable,USD,2024-07-24,1387099,102583,1284516,1.0,62.3,26.8,1.8,9.0,MSFT:33.3%;TSLA:33.3%;AMZN:33.3%,US:59.7;EU:17.9;APAC:11.2;EM:9.9;Other:1.3,Value:-0.8;Growth:+0.9;Quality:+0.9;Size:-0.6;Momentum:-0.3;LowVol:+0.8,MaxPos5%,10,25,4.7,trailing 9%,155,17.8,Bear,31.5,3.35,2.8,138,-100,5,73,true,Rebalance,Rebalance back to target bands,-4,-29,BrokerA,VWAP,100,Drift>tolerance,Hedge,Allocation drift beyond policy bands,35,-14,14,2,false,Increase defensive factor exposure
P8036,Opportunistic,Taxable,USD,2025-04-09,796474,28007,768467,1.0,63.3,21.7,6.7,8.3,HYG:33.3%;IEF:33.3%;TSLA:33.3%,US:65.5;EU:9.5;APAC:14.0;EM:8.6;Other:2.4,Value:+0.7;Growth:-0.6;Quality:-0.5;Size:-0.8;Momentum:+0.9;LowVol:+0.3,MaxPos5%,7,30,5.0,trailing 7%,191,22.1,Bull,12.5,3.98,3.3,70,1,61,51,false,Rebalance,Shift +1% to bonds from equity,-12,-19,BrokerD,LMT,93,None,None,Normal monitoring,12,7,106,3,false,Tighten stops on momentum names
P8037,Cautious,401k,USD,2024-11-14,207262,24927,182335,1.0,38.8,34.2,15.3,11.7,TLT:21.9%;XLF:21.9%;MSFT:21.9%;HYG:18.9%;TSLA:15.5%,US:63.8;EU:9.2;APAC:16.4;EM:8.0;Other:2.6,Value:+0.1;Growth:-0.3;Quality:+0.9;Size:-0.4;Momentum:+0.8;LowVol:-0.1,MaxPos6%;NoDerivatives;NoMargin,8,35,3.3,trailing 10%,133,18.8,Bear,29.8,3.39,2.9,162,19,61,56,false,Rebalance,Shift +1% to bonds from equity,9,-35,BrokerC,LMT,98,None,None,Normal monitoring,18,-29,7,3,false,Within IPS guidelines
P8038,Cautious,IRA,USD,2024-11-18,620293,82635,537658,1.0,44.5,38.5,0.0,17.1,VNQ:33.3%;GLD:33.3%;MSFT:33.3%,US:63.0;EU:10.2;APAC:10.3;EM:12.6;Other:4.0,Value:0.0;Growth:-0.5;Quality:+0.4;Size:-0.1;Momentum:+0.6;LowVol:-0.9,NoDerivatives;NoMargin,10,25,5.9,hard 10%,128,17.1,Bull,12.3,4.44,2.3,81,69,83,21,false,Sell,Trim extended winner -1%,35,3,BrokerB,LMT,85,None,None,Normal monitoring,-49,19,-6,4,false,Monitor dispersion and breadth
P8039,Cautious,Trust,USD,2025-07-23,259508,32758,226750,1.0,37.2,35.8,13.9,13.1,BRK.B:24.2%;XLF:24.2%;VOO:24.2%;TLT:13.8%;QQQ:13.7%,US:56.5;EU:20.3;APAC:10.6;EM:8.0;Other:4.6,Value:+0.4;Growth:-0.2;Quality:+1.0;Size:+0.7;Momentum:-0.8;LowVol:-0.6,NoMargin,5,25,3.9,trailing 8%,144,12.3,Sideways,19.2,3.62,3.4,111,11,61,43,false,Buy,Add to core equity +1%,20,-40,BrokerD,LMT,97,None,None,Normal monitoring,69,-15,139,3,false,Tax-aware sells next window
P8040,Systematic,Roth,USD,2025-08-06,1260128,92701,1167427,1.0,55.3,21.0,14.5,9.1,QQQ:26.1%;VNQ:26.4%;HYG:21.1%;BRK.B:26.4%,US:71.7;EU:7.0;APAC:6.2;EM:10.5;Other:4.6,Value:+0.1;Growth:+0.6;Quality:-0.4;Size:-0.2;Momentum:-0.8;LowVol:-0.5,,8,30,4.4,hard 12%,129,26.0,Bear,23.0,3.0,2.4,179,-78,11,64,true,Hedge,Buy index puts 1% notional,17,14,BrokerB,MKT,95,VAR>budget,TightenStops,Risk above budget threshold,-34,-17,89,3,false,Increase defensive factor exposure
P8041,Hands-off,Trust,USD,2025-03-12,213920,11241,202679,1.0,60.0,16.0,15.9,8.0,VTI:22.7%;MUB:23.3%;IEF:14.5%;TSLA:23.3%;MSFT:16.3%,US:62.0;EU:7.6;APAC:16.0;EM:11.9;Other:2.5,Value:-0.1;Growth:+0.8;Quality:-0.3;Size:-0.0;Momentum:+0.8;LowVol:-0.1,,5,25,4.7,trailing 8%,128,12.2,Sideways,21.9,3.71,3.1,99,3,41,54,false,Rebalance,Shift +1% to bonds from equity,1,-24,BrokerB,LMT,93,None,None,Normal monitoring,-1,-13,136,3,false,Monitor dispersion and breadth
P8042,Systematic,IRA,USD,2024-10-26,1464265,69606,1394659,1.0,60.3,27.5,4.2,8.0,MUB:33.3%;IEF:33.3%;AMZN:33.3%,US:75.2;EU:6.5;APAC:6.3;EM:9.7;Other:2.3,Value:-0.5;Growth:-0.2;Quality:+0.7;Size:-0.4;Momentum:+0.5;LowVol:-0.2,MaxPos5%;NoDerivatives,5,35,5.4,trailing 8%,183,25.8,Sideways,21.3,4.95,2.8,114,47,59,66,true,Reduce,"Cut high-beta by 2-3%, add cash",-6,13,BrokerA,LMT,86,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-16,-30,-33,2,false,Within IPS guidelines
P8043,Systematic,Trust,USD,2024-07-22,513835,27774,486061,1.0,65.3,25.9,0.0,8.7,QQQ:18.8%;VTI:25.1%;MSFT:15.9%;VNQ:25.1%;XLF:15.2%,US:56.4;EU:17.7;APAC:11.1;EM:10.9;Other:3.8,Value:-0.1;Growth:+0.9;Quality:+0.9;Size:-0.5;Momentum:+0.8;LowVol:-0.3,MaxPos7%;NoDerivatives,6,35,5.2,trailing 9%,214,25.4,Sideways,15.6,4.17,3.2,104,9,47,60,false,Rebalance,Shift +1% to bonds from equity,34,-19,BrokerB,MKT,93,None,None,Normal monitoring,77,-45,42,4,false,Tighten stops on momentum names
P8044,Cautious,IRA,USD,2025-10-07,374504,31573,342931,1.0,41.4,30.9,14.3,13.4,BRK.B:33.3%;AMZN:33.3%;TSLA:33.3%,US:71.2;EU:13.0;APAC:7.8;EM:4.9;Other:3.1,Value:+0.8;Growth:+0.6;Quality:-0.1;Size:+0.8;Momentum:-0.8;LowVol:+0.1,ESGOnly;MaxPos6%;NoMargin,7,35,5.5,hard 10%,118,16.0,Bull,11.8,4.47,3.3,110,47,81,27,false,NoAction,Within bands; monitor,-8,-30,BrokerB,VWAP,98,None,None,Normal monitoring,88,-25,222,3,false,Tax-aware sells next window
P8045,Active,Taxable,USD,2025-10-22,1903679,119109,1784570,1.2,64.7,24.8,5.0,5.5,TSLA:28.0%;AAPL:28.0%;HYG:15.9%;VOO:28.0%,US:65.9;EU:17.7;APAC:8.3;EM:5.8;Other:2.3,Value:+0.6;Growth:+0.9;Quality:-0.8;Size:+0.7;Momentum:-0.8;LowVol:+0.1,,7,35,5.2,hard 12%,197,20.9,Bull,16.5,4.19,3.1,74,97,100,44,false,Buy,Add to core equity +1%,-2,3,BrokerD,LMT,98,None,None,Normal monitoring,-7,-38,126,4,false,Within IPS guidelines
P8046,Systematic,401k,USD,2025-01-16,1083129,63720,1019409,1.0,68.9,24.8,0.0,6.3,BND:22.0%;TSLA:22.0%;AMZN:22.0%;GLD:22.0%;BRK.B:12.1%,US:69.7;EU:8.9;APAC:11.3;EM:10.0;Other:0.1,Value:-0.7;Growth:+0.8;Quality:-0.9;Size:-0.7;Momentum:+0.2;LowVol:-0.3,,7,30,4.7,hard 12%,222,18.8,Sideways,14.6,4.67,2.1,123,13,49,48,false,Rebalance,Shift +1% to bonds from equity,-10,12,BrokerA,MKT,89,None,None,Normal monitoring,65,-1,182,5,false,Tighten stops on momentum names
P8047,Opportunistic,Trust,USD,2024-12-27,1468723,96421,1372302,1.22,73.1,13.5,5.2,8.2,BRK.B:18.1%;MUB:20.8%;VOO:8.2%;HYG:20.8%;AAPL:15.9%;TLT:16.2%,US:61.7;EU:11.7;APAC:11.0;EM:11.6;Other:4.0,Value:+0.1;Growth:-0.7;Quality:+0.2;Size:-0.7;Momentum:-0.2;LowVol:-0.2,,8,25,6.6,trailing 7%,160,32.2,Bull,15.8,3.98,2.5,111,40,68,56,false,Sell,Trim extended winner -1%,31,-14,BrokerB,MKT,96,None,None,Normal monitoring,18,11,44,4,false,Tighten stops on momentum names
P8048,Hands-off,401k,USD,2025-10-22,250957,15188,235769,1.0,67.2,26.8,0.0,5.9,VOO:9.4%;VNQ:20.2%;AMZN:16.5%;MUB:17.2%;MSFT:16.4%;GLD:20.2%,US:64.0;EU:7.7;APAC:13.9;EM:9.9;Other:4.5,Value:-0.6;Growth:-0.2;Quality:-1.0;Size:+0.8;Momentum:+0.8;LowVol:-0.4,,10,30,4.7,trailing 10%,168,13.9,Bear,24.7,4.42,2.9,157,-10,59,70,false,Buy,Add to core equity +1%,6,-36,BrokerD,LMT,98,None,None,Normal monitoring,57,-6,169,3,false,Tax-aware sells next window
P8049,Opportunistic,Taxable,USD,2025-04-16,333400,16674,316726,1.1,72.3,13.5,8.2,6.0,MUB:22.5%;QQQ:20.3%;BND:12.3%;VTI:22.5%;HYG:22.5%,US:72.3;EU:9.3;APAC:10.5;EM:6.2;Other:1.7,Value:-0.3;Growth:-0.3;Quality:+0.7;Size:+0.5;Momentum:+0.3;LowVol:+0.6,NoDerivatives,10,25,6.2,hard 12%,259,30.5,Bull,11.4,4.78,3.1,86,40,67,46,false,Rebalance,Shift +1% to bonds from equity,7,1,BrokerD,MKT,89,None,None,Normal monitoring,56,-51,139,3,false,Increase defensive factor exposure
P8050,Hands-off,Trust,USD,2024-07-14,243531,19257,224274,1.0,74.1,18.7,1.5,5.6,IEF:24.6%;XLF:25.1%;MSFT:25.1%;HYG:25.1%,US:71.0;EU:10.5;APAC:12.5;EM:3.2;Other:2.8,Value:+0.3;Growth:+0.7;Quality:-0.4;Size:-0.4;Momentum:-0.2;LowVol:-0.2,MaxPos8%;NoDerivatives,6,25,5.7,trailing 8%,109,17.5,Bull,17.8,4.5,2.8,95,30,59,67,true,Hedge,Buy index puts 1% notional,-10,-24,BrokerA,MKT,100,Drift>tolerance,Hedge,Allocation drift beyond policy bands,53,-54,110,2,false,Monitor dispersion and breadth
P8051,Systematic,Taxable,USD,2024-10-22,1780865,91571,1689294,1.0,58.9,26.6,8.3,6.2,IEF:14.1%;MUB:24.5%;VNQ:18.5%;TLT:18.4%;AMZN:24.5%,US:77.9;EU:6.1;APAC:6.6;EM:6.8;Other:2.6,Value:-0.5;Growth:+0.9;Quality:+0.1;Size:+0.6;Momentum:+0.4;LowVol:-0.3,,7,25,4.6,hard 12%,156,20.7,Volatile,26.8,4.24,3.6,157,60,93,77,true,Hedge,Buy index puts 1% notional,-3,-5,BrokerB,MKT,88,VAR>budget,Hedge,Risk above budget threshold,56,-26,153,3,false,Within IPS guidelines
P8052,Opportunistic,Trust,USD,2025-03-06,624878,45231,579647,1.0,77.2,13.4,3.2,6.2,MSFT:9.1%;XLF:11.9%;VNQ:17.6%;GLD:20.7%;AAPL:20.7%;IEF:19.9%,US:68.9;EU:9.0;APAC:11.4;EM:8.1;Other:2.6,Value:+0.9;Growth:-0.7;Quality:+0.9;Size:+0.2;Momentum:-0.5;LowVol:-0.5,MaxPos5%,8,35,5.0,trailing 9%,169,26.5,Bear,24.8,4.03,1.9,200,-96,5,68,false,NoAction,Within bands; monitor,32,6,BrokerB,MKT,0,None,None,Normal monitoring,-28,-56,99,3,false,Within IPS guidelines
P8053,Hands-off,401k,USD,2025-05-28,762517,56425,706092,1.0,71.4,21.4,0.0,7.2,AAPL:33.3%;VNQ:33.3%;TLT:33.3%,US:69.0;EU:10.9;APAC:7.2;EM:9.9;Other:3.0,Value:+0.6;Growth:+0.5;Quality:-0.3;Size:+0.9;Momentum:-0.5;LowVol:+0.9,ESGOnly,5,30,3.1,hard 10%,161,16.5,Sideways,16.8,3.72,2.5,121,20,70,58,false,Rebalance,Shift +1% to bonds from equity,6,-19,BrokerA,LMT,99,None,None,Normal monitoring,51,-58,149,4,false,Increase defensive factor exposure
P8054,Opportunistic,Roth,USD,2025-09-18,774716,38113,736603,1.24,63.3,18.7,13.6,4.5,TSLA:17.8%;MUB:24.2%;XLF:24.2%;HYG:9.8%;BRK.B:24.2%,US:63.3;EU:11.3;APAC:6.4;EM:13.4;Other:5.6,Value:+0.9;Growth:-0.6;Quality:-0.0;Size:-0.9;Momentum:-0.1;LowVol:-0.3,,7,25,4.6,trailing 9%,270,32.0,Volatile,20.7,4.93,2.8,112,-60,12,57,false,Rebalance,Shift +1% to bonds from equity,20,-19,BrokerB,MKT,91,None,None,Normal monitoring,35,-47,134,3,false,Increase defensive factor exposure
P8055,Hands-off,IRA,USD,2025-03-18,422931,41650,381281,1.0,67.2,20.0,5.1,7.8,HYG:21.9%;BRK.B:14.8%;AMZN:21.9%;IEF:14.4%;AAPL:16.2%;TLT:10.9%,US:64.2;EU:10.3;APAC:13.5;EM:9.6;Other:2.4,Value:-1.0;Growth:+0.5;Quality:-0.3;Size:-0.3;Momentum:+0.1;LowVol:-0.5,MaxPos5%,5,25,3.3,trailing 8%,111,18.5,Bear,31.9,3.13,1.0,155,-31,22,75,true,Rebalance,Rebalance back to target bands,20,-3,BrokerC,MKT,93,RegimeShift,Reduce,Volatility spike and breadth deterioration,-15,-4,6,5,false,Tax-aware sells next window
P8056,Hands-off,401k,USD,2025-03-12,836538,67606,768932,1.0,59.3,18.0,17.7,5.0,BRK.B:16.9%;TLT:27.7%;AMZN:27.7%;VNQ:27.7%,US:64.3;EU:16.7;APAC:7.2;EM:7.9;Other:3.9,Value:+0.1;Growth:-0.7;Quality:-0.3;Size:-0.4;Momentum:+0.4;LowVol:-0.3,ESGOnly;MaxPos6%;NoDerivatives,10,35,3.1,hard 10%,152,19.4,Bull,17.3,4.81,2.6,75,117,100,57,false,NoAction,Within bands; monitor,-2,7,BrokerB,VWAP,97,None,None,Normal monitoring,-5,-37,107,5,false,Tighten stops on momentum names
P8057,Hands-off,401k,USD,2025-03-21,688456,38929,649527,1.0,69.2,24.1,0.0,6.7,TSLA:33.4%;AAPL:33.4%;TLT:33.2%,US:61.4;EU:17.2;APAC:16.2;EM:4.4;Other:0.9,Value:-0.6;Growth:-0.1;Quality:-0.7;Size:+0.5;Momentum:+0.2;LowVol:+0.3,ESGOnly,10,25,3.1,trailing 8%,152,19.6,Bull,14.3,3.74,2.8,76,44,62,48,true,Hedge,Buy index puts 1% notional,32,-27,BrokerB,MKT,88,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-51,-6,-65,5,false,Tighten stops on momentum names
P8058,Opportunistic,Trust,USD,2024-09-25,721362,44886,676476,1.13,73.3,19.5,0.0,7.2,VOO:26.4%;QQQ:26.4%;MSFT:20.9%;BND:26.4%,US:58.2;EU:14.2;APAC:13.2;EM:10.2;Other:4.2,Value:-0.5;Growth:-0.3;Quality:+0.4;Size:-0.3;Momentum:-0.7;LowVol:+0.7,MaxPos5%,6,25,4.3,trailing 7%,218,21.4,Volatile,22.4,5.14,2.1,174,41,61,66,false,Rebalance,Shift +1% to bonds from equity,29,4,BrokerA,LMT,85,None,None,Normal monitoring,-1,-53,-38,3,false,Tighten stops on momentum names
P8059,Systematic,IRA,USD,2025-08-16,1878241,78712,1799529,1.0,61.1,27.1,2.9,8.9,XLF:33.3%;MUB:33.3%;MSFT:33.3%,US:65.3;EU:17.1;APAC:11.6;EM:4.1;Other:1.9,Value:-0.6;Growth:+0.9;Quality:-0.5;Size:-0.8;Momentum:+0.3;LowVol:-0.4,,10,30,5.7,hard 12%,147,16.2,Bull,17.3,3.53,3.0,95,84,80,53,false,Hedge,Add TLT +1% as duration hedge,-15,-24,BrokerD,LMT,99,None,None,Normal monitoring,-41,5,-30,3,false,Increase defensive factor exposure
P8060,Hands-off,Trust,USD,2025-04-18,177592,13230,164362,1.0,56.3,25.1,10.4,8.2,BRK.B:35.4%;MSFT:35.4%;XLF:29.2%,US:62.9;EU:18.2;APAC:9.1;EM:8.4;Other:1.4,Value:0.0;Growth:+1.0;Quality:-0.3;Size:+0.1;Momentum:-1.0;LowVol:-0.9,,10,25,5.4,hard 10%,108,18.0,Sideways,16.2,4.89,2.1,126,54,81,43,false,Rebalance,Shift +1% to bonds from equity,-10,-26,BrokerC,LMT,99,None,None,Normal monitoring,-41,-10,-52,3,false,Within IPS guidelines
P8061,Active,Taxable,USD,2025-05-19,1526332,104716,1421616,1.0,63.1,25.2,1.9,9.8,MSFT:36.9%;TSLA:36.9%;VTI:26.3%,US:69.7;EU:6.3;APAC:7.7;EM:12.0;Other:4.4,Value:+0.3;Growth:-0.7;Quality:+0.1;Size:-0.8;Momentum:0.0;LowVol:-0.9,NoDerivatives,5,35,5.8,trailing 8%,139,28.0,Bull,15.6,4.21,3.2,73,96,93,58,false,Buy,Add to core equity +1%,0,-33,BrokerB,MKT,89,None,None,Normal monitoring,66,6,96,5,false,Monitor dispersion and breadth
P8062,Hands-off,401k,USD,2025-02-07,375877,27559,348318,1.0,66.4,15.8,10.4,7.4,BRK.B:25.3%;VOO:25.3%;XLF:25.3%;MSFT:24.1%,US:68.4;EU:10.7;APAC:13.1;EM:3.5;Other:4.3,Value:+0.5;Growth:-0.0;Quality:-1.0;Size:+0.2;Momentum:-0.8;LowVol:-0.2,ESGOnly;MaxPos8%;NoDerivatives,7,30,5.8,hard 10%,97,17.1,Volatile,22.0,4.43,2.1,158,-17,51,65,false,Rebalance,Shift +1% to bonds from equity,27,8,BrokerA,MKT,96,None,None,Normal monitoring,64,-51,143,4,false,Tax-aware sells next window
P8063,Active,IRA,USD,2025-09-14,511591,59962,451629,1.0,59.6,28.2,5.1,7.1,BRK.B:21.5%;IEF:13.0%;BND:23.6%;VNQ:18.7%;TSLA:23.2%,US:79.0;EU:7.4;APAC:8.9;EM:3.5;Other:1.1,Value:-0.6;Growth:+0.3;Quality:+0.9;Size:+0.1;Momentum:+0.5;LowVol:+0.8,,6,25,4.1,trailing 8%,188,17.7,Bull,12.7,4.28,2.1,89,81,100,47,true,Rebalance,Rebalance back to target bands,-4,-7,BrokerD,MKT,100,VAR>budget,Pause,Risk above budget threshold,77,-23,205,3,false,Increase defensive factor exposure
P8064,Active,IRA,USD,2025-01-03,2292889,153083,2139806,1.0,55.5,29.9,6.2,8.4,VNQ:23.4%;VOO:23.4%;QQQ:10.8%;MSFT:23.4%;XLF:18.9%,US:71.9;EU:11.1;APAC:6.7;EM:9.5;Other:0.9,Value:-0.6;Growth:+0.5;Quality:-0.4;Size:0.0;Momentum:+0.6;LowVol:+0.2,,10,30,4.6,hard 12%,201,27.3,Bull,11.0,4.02,3.0,84,29,68,26,false,Rebalance,Shift +1% to bonds from equity,21,-7,BrokerA,VWAP,94,None,None,Normal monitoring,70,-24,140,4,false,Tax-aware sells next window
P8065,Hands-off,401k,USD,2025-03-29,563237,32410,530827,1.0,61.0,22.7,10.2,6.1,VNQ:35.7%;BND:28.7%;IEF:35.7%,US:69.3;EU:7.5;APAC:8.6;EM:10.6;Other:4.0,Value:+0.2;Growth:0.0;Quality:+0.8;Size:+1.0;Momentum:+0.7;LowVol:+0.2,ESGOnly;MaxPos6%,10,35,4.0,trailing 8%,98,18.8,Sideways,16.1,4.74,3.0,139,38,82,56,false,Sell,Trim extended winner -1%,18,-36,BrokerA,VWAP,90,None,None,Normal monitoring,58,-27,48,4,false,Within IPS guidelines
P8066,Opportunistic,Taxable,USD,2024-09-23,370167,21585,348582,1.0,66.6,10.2,18.0,5.1,MUB:33.3%;BRK.B:33.3%;IEF:33.3%,US:64.3;EU:11.4;APAC:14.0;EM:8.6;Other:1.8,Value:+0.2;Growth:-0.8;Quality:+0.3;Size:+0.7;Momentum:-0.8;LowVol:+0.1,MaxPos6%,5,25,4.2,trailing 9%,214,23.0,Bear,26.6,4.27,1.1,131,-115,5,68,false,NoAction,Within bands; monitor,20,-2,BrokerC,MKT,0,None,None,Normal monitoring,111,12,118,5,false,Tighten stops on momentum names
P8067,Hands-off,401k,USD,2024-11-14,394025,39317,354708,1.0,70.1,18.3,4.7,6.9,TLT:23.2%;QQQ:15.4%;BND:11.1%;MUB:17.3%;VTI:9.8%;AAPL:23.2%,US:66.3;EU:5.4;APAC:13.6;EM:10.1;Other:4.6,Value:-0.5;Growth:-0.4;Quality:+0.2;Size:+0.6;Momentum:-0.6;LowVol:+0.1,NoDerivatives,10,35,4.1,hard 10%,137,16.4,Bull,16.9,3.78,2.8,114,92,85,50,false,Sell,Trim extended winner -1%,29,-32,BrokerA,VWAP,99,None,None,Normal monitoring,-27,-49,-55,4,false,Increase defensive factor exposure
P8068,Systematic,Taxable,USD,2025-10-01,841397,44279,797118,1.0,63.9,22.2,7.5,6.5,IEF:13.1%;AMZN:22.8%;TSLA:22.8%;VTI:10.1%;VOO:22.8%;HYG:8.4%,US:61.5;EU:16.3;APAC:12.6;EM:8.6;Other:1.1,Value:-0.6;Growth:-0.2;Quality:-0.4;Size:-0.2;Momentum:-0.1;LowVol:+0.8,,7,30,5.6,hard 12%,128,24.9,Bear,30.6,3.82,2.7,156,-98,5,87,true,Reduce,"Cut high-beta by 2-3%, add cash",12,8,BrokerC,MKT,90,Drift>tolerance,Hedge,Allocation drift beyond policy bands,18,18,113,4,false,Tighten stops on momentum names
P8069,Opportunistic,401k,USD,2025-09-14,435090,22235,412855,1.0,72.9,13.3,8.0,5.8,BND:10.9%;MUB:10.9%;IEF:20.8%;GLD:22.4%;TSLA:22.4%;VTI:12.7%,US:75.2;EU:7.7;APAC:10.9;EM:5.7;Other:0.5,Value:-0.5;Growth:-0.2;Quality:+0.7;Size:+0.1;Momentum:+0.5;LowVol:-0.7,MaxPos8%,6,30,4.1,trailing 9%,252,20.2,Volatile,28.4,5.45,2.5,131,0,53,84,true,Hedge,Buy index puts 1% notional,-7,-28,BrokerD,LMT,93,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-18,-39,98,2,true,Increase defensive factor exposure
P8070,Hands-off,IRA,USD,2025-01-26,601359,55953,545406,1.0,62.1,25.9,5.0,6.9,BRK.B:35.9%;VTI:28.3%;VOO:35.9%,US:68.5;EU:9.1;APAC:10.7;EM:6.9;Other:4.9,Value:+0.7;Growth:-0.9;Quality:+0.6;Size:+0.1;Momentum:-0.6;LowVol:-0.5,ESGOnly,8,25,3.6,trailing 8%,164,12.1,Volatile,24.4,5.09,4.5,168,58,92,70,false,Rebalance,Shift +1% to bonds from equity,-8,-15,BrokerA,MKT,93,None,None,Normal monitoring,83,-17,124,5,false,Increase defensive factor exposure
P8071,Systematic,401k,USD,2024-10-05,1907298,151273,1756025,1.0,63.6,28.7,0.0,7.8,BRK.B:22.5%;BND:22.5%;AMZN:17.0%;TLT:22.5%;HYG:8.0%;VOO:7.6%,US:63.1;EU:19.2;APAC:9.3;EM:5.0;Other:3.4,Value:-0.8;Growth:-0.8;Quality:+0.4;Size:-0.1;Momentum:+0.2;LowVol:-0.8,MaxPos6%,8,30,5.2,trailing 9%,191,19.4,Volatile,27.3,5.23,3.4,178,-25,48,69,true,Reduce,"Cut high-beta by 2-3%, add cash",-11,-25,BrokerC,LMT,95,RegimeShift,Reduce,Volatility spike and breadth deterioration,22,-2,17,3,false,Increase defensive factor exposure
P8072,Cautious,Taxable,USD,2025-12-03,333085,40226,292859,1.0,40.4,31.7,12.9,15.0,HYG:21.6%;MSFT:15.3%;TSLA:19.1%;BRK.B:16.1%;XLF:16.3%;BND:11.5%,US:75.5;EU:6.1;APAC:12.1;EM:5.8;Other:0.6,Value:+0.1;Growth:-0.6;Quality:+1.0;Size:+0.4;Momentum:-0.6;LowVol:-0.5,NoMargin,8,25,3.1,trailing 10%,132,18.0,Sideways,18.2,3.78,2.4,102,-24,35,31,false,Buy,Add to core equity +1%,26,13,BrokerB,LMT,94,None,None,Normal monitoring,114,-31,148,3,false,Monitor dispersion and breadth
P8073,Cautious,IRA,USD,2025-05-18,624000,50916,573084,1.0,36.4,34.0,13.7,15.9,BND:25.0%;QQQ:25.0%;IEF:25.0%;TSLA:25.0%,US:72.8;EU:11.3;APAC:5.8;EM:8.5;Other:1.6,Value:-0.5;Growth:-0.0;Quality:-0.9;Size:+1.0;Momentum:-0.4;LowVol:+0.5,ESGOnly;MaxPos7%;NoMargin,7,25,4.7,trailing 8%,105,13.1,Bull,16.5,3.53,3.3,109,80,78,28,false,Buy,Add to core equity +1%,15,9,BrokerA,MKT,86,None,None,Normal monitoring,-21,-18,105,4,false,Increase defensive factor exposure
P8074,Systematic,Trust,USD,2024-07-31,1894491,109708,1784783,1.0,64.7,27.3,2.1,5.9,XLF:13.9%;MUB:25.5%;IEF:25.5%;MSFT:13.1%;TSLA:22.0%,US:65.6;EU:15.0;APAC:5.5;EM:11.1;Other:2.9,Value:-0.8;Growth:+0.9;Quality:+0.1;Size:+0.3;Momentum:-0.6;LowVol:-0.4,MaxPos8%,10,35,5.2,hard 12%,148,23.6,Bull,12.5,4.57,2.6,79,104,100,33,false,Sell,Trim extended winner -1%,25,-13,BrokerA,LMT,99,None,None,Normal monitoring,31,-38,166,5,false,Monitor dispersion and breadth
P8075,Active,401k,USD,2024-09-22,1574180,117370,1456810,1.23,52.5,23.1,18.8,5.7,MUB:26.3%;GLD:21.0%;XLF:26.3%;TSLA:26.3%,US:70.6;EU:7.2;APAC:15.0;EM:5.4;Other:1.9,Value:-0.5;Growth:+0.7;Quality:-0.8;Size:+0.2;Momentum:-0.1;LowVol:-0.5,,5,30,4.8,hard 12%,154,26.0,Volatile,30.9,4.76,3.2,130,51,83,83,true,Hedge,Buy index puts 1% notional,4,15,BrokerC,LMT,85,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,2,11,116,5,false,Within IPS guidelines
P8076,Hands-off,Roth,USD,2025-04-25,449275,34664,414611,1.0,66.0,22.0,2.5,9.6,BND:28.9%;TSLA:28.8%;BRK.B:13.4%;MUB:28.9%,US:70.2;EU:6.3;APAC:7.9;EM:11.9;Other:3.7,Value:-0.1;Growth:+0.4;Quality:+0.9;Size:-0.1;Momentum:+0.4;LowVol:-0.4,ESGOnly;NoDerivatives,7,35,3.8,trailing 8%,161,13.5,Bull,12.1,4.85,2.8,110,107,100,46,false,Rebalance,Shift +1% to bonds from equity,-2,2,BrokerD,MKT,94,None,None,Normal monitoring,32,-60,27,4,false,Increase defensive factor exposure
P8077,Hands-off,Taxable,USD,2024-08-10,753354,47632,705722,1.0,65.6,24.4,0.4,9.5,VOO:22.9%;QQQ:11.5%;BND:19.0%;VTI:20.4%;MSFT:14.2%;BRK.B:11.9%,US:59.9;EU:14.7;APAC:12.4;EM:10.0;Other:3.0,Value:+0.7;Growth:-0.5;Quality:-0.1;Size:+0.9;Momentum:+0.5;LowVol:-0.7,ESGOnly,8,30,3.7,trailing 8%,94,15.4,Bull,15.8,4.53,2.1,86,31,76,43,false,Buy,Add to core equity +1%,11,7,BrokerA,LMT,86,None,None,Normal monitoring,82,-31,205,5,false,Increase defensive factor exposure
P8078,Cautious,IRA,USD,2025-10-21,403182,61420,341762,1.0,43.6,40.8,0.0,15.6,TSLA:25.7%;IEF:25.7%;AAPL:22.8%;VTI:25.7%,US:61.9;EU:19.8;APAC:6.1;EM:9.1;Other:3.0,Value:+0.8;Growth:+0.4;Quality:-0.1;Size:-0.1;Momentum:+0.6;LowVol:+0.2,NoMargin,7,30,5.9,hard 10%,98,19.7,Bull,12.6,4.1,2.1,71,3,58,25,false,NoAction,Within bands; monitor,4,-37,BrokerD,MKT,0,None,None,Normal monitoring,43,-31,61,3,false,Within IPS guidelines
P8079,Systematic,IRA,USD,2025-11-05,1239430,120639,1118791,1.0,61.2,27.6,5.8,5.4,TLT:37.3%;MUB:37.3%;MSFT:25.4%,US:59.1;EU:16.0;APAC:16.9;EM:6.2;Other:1.9,Value:+0.5;Growth:-0.3;Quality:+0.8;Size:-0.8;Momentum:-0.2;LowVol:+0.8,,7,25,4.6,trailing 9%,142,20.1,Sideways,16.0,4.24,2.7,101,10,62,41,false,Buy,Add to core equity +1%,2,-16,BrokerD,VWAP,99,None,None,Normal monitoring,37,-53,122,4,false,Tighten stops on momentum names
P8080,Opportunistic,Trust,USD,2025-04-13,1025840,86861,938979,1.0,65.7,10.9,16.5,6.8,VNQ:21.3%;QQQ:10.8%;AMZN:21.3%;GLD:11.6%;IEF:13.9%;BRK.B:21.3%,US:67.9;EU:8.2;APAC:14.1;EM:7.8;Other:2.0,Value:+0.7;Growth:+0.2;Quality:-0.3;Size:0.0;Momentum:-0.9;LowVol:-0.5,NoDerivatives,6,30,4.9,trailing 7%,252,34.7,Bull,15.4,4.11,2.7,112,82,100,45,false,Sell,Trim extended winner -1%,-6,-29,BrokerC,MKT,90,None,None,Normal monitoring,-47,16,-87,5,false,Monitor dispersion and breadth
P8081,Hands-off,Roth,USD,2025-07-30,578523,49417,529106,1.0,66.1,21.9,2.7,9.2,MSFT:23.1%;TLT:24.1%;IEF:24.1%;VTI:12.4%;BND:16.2%,US:70.8;EU:11.4;APAC:6.0;EM:7.9;Other:3.9,Value:+0.3;Growth:+0.5;Quality:-0.7;Size:-0.1;Momentum:+0.9;LowVol:+0.9,ESGOnly;MaxPos7%,10,30,3.4,hard 10%,145,17.0,Sideways,18.1,4.16,3.0,95,34,56,50,false,Hedge,Add TLT +1% as duration hedge,28,14,BrokerD,LMT,88,None,None,Normal monitoring,35,-46,166,4,false,Increase defensive factor exposure
P8082,Hands-off,Taxable,USD,2024-10-04,824666,69783,754883,1.0,56.0,29.0,6.0,9.0,VTI:33.3%;QQQ:33.3%;TSLA:33.3%,US:62.3;EU:12.6;APAC:12.7;EM:9.3;Other:3.0,Value:-0.9;Growth:+0.4;Quality:+0.8;Size:-0.8;Momentum:+0.4;LowVol:-0.0,ESGOnly;MaxPos8%,7,25,3.1,trailing 10%,139,13.1,Bull,17.6,4.22,2.4,115,51,81,53,false,Sell,Trim extended winner -1%,18,-29,BrokerC,LMT,100,None,None,Normal monitoring,-14,20,44,3,false,Monitor dispersion and breadth
P8083,Active,Trust,USD,2025-08-23,1083399,76579,1006820,1.0,60.3,23.0,7.8,8.9,VTI:30.4%;BND:20.9%;AMZN:18.4%;VNQ:30.4%,US:69.4;EU:9.6;APAC:7.6;EM:9.6;Other:3.8,Value:-0.9;Growth:+0.6;Quality:-0.8;Size:+0.9;Momentum:+0.5;LowVol:-0.8,MaxPos6%,5,25,4.8,hard 12%,138,22.2,Bear,26.5,3.75,1.1,192,-43,13,59,false,Rebalance,Shift +1% to bonds from equity,6,-38,BrokerC,LMT,95,None,None,Normal monitoring,90,-55,225,3,false,Tax-aware sells next window
P8084,Systematic,401k,USD,2025-08-14,1403841,129894,1273947,1.0,58.6,31.3,4.2,5.9,BND:25.1%;MSFT:24.7%;XLF:25.1%;VOO:25.1%,US:71.5;EU:7.1;APAC:11.2;EM:9.8;Other:0.3,Value:-0.1;Growth:+0.8;Quality:-0.3;Size:-0.5;Momentum:-0.2;LowVol:+0.2,,6,35,4.1,hard 12%,152,18.4,Sideways,14.3,4.11,3.1,97,28,75,45,false,Sell,Trim extended winner -1%,2,-8,BrokerD,VWAP,99,None,None,Normal monitoring,-28,-6,21,3,false,Tax-aware sells next window
P8085,Active,IRA,USD,2025-06-06,940477,108999,831478,1.0,61.5,26.8,4.4,7.4,AAPL:22.7%;VNQ:19.4%;VOO:22.7%;VTI:22.7%;QQQ:12.7%,US:65.7;EU:15.8;APAC:12.6;EM:5.7;Other:0.2,Value:-0.3;Growth:-0.5;Quality:-0.4;Size:-0.2;Momentum:-0.1;LowVol:-0.7,MaxPos5%,5,25,4.6,trailing 9%,165,21.9,Volatile,24.6,4.33,3.5,128,62,95,65,false,Sell,Trim extended winner -1%,-10,5,BrokerB,VWAP,95,None,None,Normal monitoring,-12,-51,-6,3,false,Tax-aware sells next window
P8086,Opportunistic,Roth,USD,2025-09-03,1584093,47921,1536172,1.0,68.1,19.0,4.5,8.4,VTI:29.1%;TLT:12.7%;GLD:29.1%;TSLA:29.1%,US:69.8;EU:14.8;APAC:6.3;EM:7.3;Other:1.8,Value:+1.0;Growth:-0.8;Quality:+1.0;Size:+0.3;Momentum:-0.6;LowVol:0.0,NoDerivatives,7,25,4.9,trailing 7%,223,26.2,Bull,13.1,3.77,3.0,113,69,88,40,false,Rebalance,Shift +1% to bonds from equity,7,-37,BrokerA,LMT,88,None,None,Normal monitoring,59,5,125,4,false,Monitor dispersion and breadth
P8087,Opportunistic,IRA,USD,2025-07-22,576865,43791,533074,1.0,77.3,15.9,0.0,6.8,XLF:11.0%;TSLA:22.1%;HYG:15.3%;VOO:22.1%;BND:12.2%;AMZN:17.2%,US:63.5;EU:15.3;APAC:10.3;EM:9.8;Other:1.1,Value:+0.5;Growth:-0.7;Quality:+0.5;Size:-0.3;Momentum:+0.8;LowVol:+0.2,NoDerivatives,8,30,5.2,trailing 7%,204,29.8,Sideways,16.4,4.17,2.3,140,50,76,50,false,Rebalance,Shift +1% to bonds from equity,23,-3,BrokerA,MKT,99,None,None,Normal monitoring,6,-4,108,4,false,Tighten stops on momentum names
P8088,Cautious,Trust,USD,2025-03-13,520269,77419,442850,1.0,46.3,37.1,0.0,16.6,MSFT:26.5%;TLT:24.6%;QQQ:26.5%;VOO:22.3%,US:64.6;EU:14.7;APAC:12.1;EM:6.4;Other:2.2,Value:+0.6;Growth:-0.7;Quality:-0.2;Size:+0.8;Momentum:+0.1;LowVol:+0.6,ESGOnly;NoMargin,6,30,5.1,trailing 8%,148,14.7,Bull,11.6,4.16,3.4,117,72,88,20,false,Sell,Trim extended winner -1%,-9,-39,BrokerA,LMT,95,None,None,Normal monitoring,7,-10,138,4,false,Increase defensive factor exposure
P8089,Cautious,IRA,USD,2024-07-19,461570,40037,421533,1.0,51.8,31.8,2.4,14.0,MSFT:10.4%;XLF:13.1%;TSLA:22.5%;QQQ:9.9%;BRK.B:21.0%;GLD:23.1%,US:73.8;EU:9.3;APAC:8.3;EM:8.1;Other:0.5,Value:-0.5;Growth:-0.1;Quality:+1.0;Size:-0.5;Momentum:+0.1;LowVol:+0.5,ESGOnly;NoDerivatives;NoMargin,5,35,3.5,trailing 8%,136,17.0,Bear,26.6,3.57,1.5,169,-111,5,60,false,Buy,Add to core equity +1%,2,7,BrokerD,MKT,92,None,None,Normal monitoring,89,-34,103,4,false,Increase defensive factor exposure
P8090,Hands-off,Trust,USD,2024-10-20,407733,31961,375772,1.0,62.3,19.2,12.5,5.9,TLT:21.5%;VNQ:21.5%;VTI:14.1%;VOO:21.5%;BND:21.5%,US:78.5;EU:7.5;APAC:9.3;EM:4.6;Other:0.0,Value:+0.3;Growth:-0.5;Quality:-0.9;Size:-0.4;Momentum:-0.2;LowVol:+0.2,MaxPos6%;NoDerivatives,7,25,4.7,trailing 10%,148,15.3,Bull,16.0,3.87,2.7,116,35,54,59,false,NoAction,Within bands; monitor,9,-3,BrokerB,VWAP,100,None,None,Normal monitoring,35,15,0,3,false,Tax-aware sells next window
P8091,Hands-off,Taxable,USD,2024-12-24,242487,10642,231845,1.0,57.9,16.4,16.9,8.8,TLT:18.2%;AMZN:19.3%;MSFT:10.6%;GLD:18.9%;BRK.B:21.6%;HYG:11.3%,US:67.8;EU:6.7;APAC:14.4;EM:7.2;Other:3.9,Value:-0.6;Growth:+0.8;Quality:+0.4;Size:-0.6;Momentum:+0.2;LowVol:-0.6,MaxPos7%,5,25,5.5,hard 10%,96,19.3,Sideways,15.2,3.61,2.7,128,42,80,43,false,Hedge,Add TLT +1% as duration hedge,25,-35,BrokerB,MKT,85,None,None,Normal monitoring,118,6,193,4,false,Within IPS guidelines
P8092,Active,Trust,USD,2024-08-01,1924796,217248,1707548,1.0,58.0,19.9,12.9,9.1,HYG:12.7%;QQQ:21.6%;GLD:13.0%;VNQ:9.8%;TLT:21.6%;XLF:21.5%,US:71.7;EU:8.2;APAC:9.2;EM:6.8;Other:4.1,Value:-0.6;Growth:+0.6;Quality:+0.8;Size:+0.4;Momentum:+0.1;LowVol:-0.4,,6,30,4.6,trailing 8%,139,17.0,Volatile,30.4,4.19,3.3,143,-33,48,70,true,Hedge,Buy index puts 1% notional,-10,-4,BrokerC,MKT,87,RegimeShift,Reduce,Volatility spike and breadth deterioration,53,-31,167,2,false,Within IPS guidelines
P8093,Cautious,Roth,USD,2024-10-04,756643,62234,694409,1.0,36.0,41.6,10.0,12.4,AMZN:10.5%;VTI:8.6%;MUB:23.1%;VOO:23.1%;TLT:11.4%;BND:23.1%,US:61.3;EU:12.2;APAC:12.2;EM:10.1;Other:4.2,Value:-0.1;Growth:-0.8;Quality:-0.9;Size:+0.6;Momentum:+0.5;LowVol:-0.6,MaxPos8%;NoMargin,5,30,5.0,hard 10%,163,14.2,Volatile,31.4,4.08,3.5,118,26,71,60,false,Rebalance,Shift +1% to bonds from equity,32,-22,BrokerD,LMT,98,None,None,Normal monitoring,91,-49,105,3,false,Tighten stops on momentum names
P8094,Hands-off,Roth,USD,2024-08-28,862547,46419,816128,1.0,59.0,23.4,11.0,6.6,BND:25.0%;QQQ:25.0%;TLT:25.0%;VOO:25.0%,US:57.7;EU:21.1;APAC:11.4;EM:8.9;Other:0.9,Value:-0.7;Growth:-0.0;Quality:-0.5;Size:-0.0;Momentum:-0.8;LowVol:+1.0,MaxPos7%,6,25,3.5,hard 10%,119,12.5,Volatile,27.6,4.88,2.8,164,36,60,63,false,Rebalance,Shift +1% to bonds from equity,35,-32,BrokerA,MKT,95,None,None,Normal monitoring,-29,-27,95,5,false,Within IPS guidelines
P8095,Opportunistic,IRA,USD,2024-08-28,660222,46031,614191,1.0,72.9,20.0,1.4,5.7,AMZN:7.4%;VOO:21.1%;IEF:17.4%;HYG:11.6%;VTI:21.2%;GLD:21.2%,US:68.4;EU:17.3;APAC:7.5;EM:6.4;Other:0.3,Value:+0.8;Growth:+0.7;Quality:+0.8;Size:+0.1;Momentum:+0.8;LowVol:-0.3,NoDerivatives,6,35,5.6,trailing 7%,163,27.6,Bull,13.1,3.74,3.1,112,24,53,48,false,Buy,Add to core equity +1%,12,-1,BrokerD,LMT,88,None,None,Normal monitoring,18,-48,108,5,false,Within IPS guidelines
P8096,Cautious,IRA,USD,2025-10-31,310960,45128,265832,1.0,37.8,37.7,9.0,15.4,IEF:6.5%;GLD:14.4%;BRK.B:18.9%;TSLA:20.7%;VNQ:20.7%;HYG:18.8%,US:70.8;EU:8.9;APAC:13.3;EM:6.1;Other:1.0,Value:-0.1;Growth:-0.6;Quality:+0.8;Size:0.0;Momentum:-0.4;LowVol:+0.2,ESGOnly;MaxPos6%;NoMargin,10,25,3.2,trailing 10%,160,16.0,Bull,16.9,4.3,2.2,93,48,70,44,false,Buy,Add to core equity +1%,13,-26,BrokerC,LMT,95,None,None,Normal monitoring,104,-24,168,3,false,Increase defensive factor exposure
P8097,Hands-off,Trust,USD,2025-08-04,607338,44952,562386,1.0,69.5,16.8,7.7,6.0,AAPL:12.7%;AMZN:19.2%;IEF:16.2%;VOO:18.0%;BND:21.9%;TLT:12.0%,US:69.6;EU:10.8;APAC:13.3;EM:4.4;Other:1.9,Value:+0.4;Growth:+0.2;Quality:-0.5;Size:-0.5;Momentum:-0.5;LowVol:-0.0,ESGOnly,10,30,4.8,trailing 8%,157,13.5,Volatile,20.2,5.25,3.9,154,53,78,59,false,Buy,Add to core equity +1%,32,-35,BrokerD,VWAP,86,None,None,Normal monitoring,92,-5,149,5,false,Monitor dispersion and breadth
P8098,Hands-off,401k,USD,2024-08-22,283693,25635,258058,1.0,57.6,19.4,16.2,6.8,GLD:16.2%;VOO:16.5%;BRK.B:16.2%;BND:20.1%;TLT:11.4%;VNQ:19.5%,US:57.1;EU:17.5;APAC:12.1;EM:8.3;Other:5.1,Value:+0.8;Growth:+0.9;Quality:-0.5;Size:+0.6;Momentum:-0.3;LowVol:-1.0,MaxPos7%,7,30,4.7,trailing 8%,119,18.3,Bull,11.1,4.87,2.5,83,94,100,46,false,Rebalance,Shift +1% to bonds from equity,-13,-13,BrokerB,LMT,100,None,None,Normal monitoring,71,-33,134,3,false,Tax-aware sells next window
P8099,Systematic,Roth,USD,2025-02-20,1768423,88300,1680123,1.0,61.0,30.1,0.0,8.8,VOO:18.1%;VTI:17.3%;QQQ:11.7%;VNQ:21.2%;TLT:15.3%;GLD:16.4%,US:68.0;EU:17.2;APAC:6.2;EM:7.6;Other:0.9,Value:-0.0;Growth:-0.7;Quality:+0.8;Size:+0.7;Momentum:+0.8;LowVol:+0.4,MaxPos5%;NoDerivatives,8,35,4.1,hard 12%,204,17.1,Volatile,29.0,5.11,3.1,125,50,75,80,true,Reduce,"Cut high-beta by 2-3%, add cash",28,-39,BrokerB,MKT,88,VAR>budget,Reduce,Risk above budget threshold,7,-9,132,4,false,Increase defensive factor exposure
P8100,Opportunistic,401k,USD,2025-02-11,1750688,76950,1673738,1.0,67.7,15.8,12.3,4.2,IEF:34.1%;HYG:34.1%;XLF:31.8%,US:69.7;EU:13.0;APAC:11.3;EM:3.3;Other:2.7,Value:0.0;Growth:-0.4;Quality:+0.5;Size:-0.5;Momentum:+0.5;LowVol:+0.2,MaxPos7%;NoDerivatives,5,35,4.9,trailing 9%,168,27.8,Bull,12.3,4.85,3.4,107,76,98,43,false,Rebalance,Shift +1% to bonds from equity,10,2,BrokerB,LMT,87,None,None,Normal monitoring,-26,-32,30,4,false,Tax-aware sells next window
P8101,Opportunistic,401k,USD,2025-04-21,774935,57613,717322,1.0,62.4,12.8,17.5,7.3,BND:37.4%;BRK.B:25.2%;VOO:37.4%,US:55.4;EU:15.0;APAC:16.1;EM:9.1;Other:4.4,Value:+0.4;Growth:-0.4;Quality:-0.7;Size:+0.4;Momentum:+0.2;LowVol:0.0,,6,25,5.5,trailing 9%,181,30.6,Bull,17.1,4.8,2.3,71,1,42,53,false,NoAction,Within bands; monitor,4,-17,BrokerD,MKT,0,None,None,Normal monitoring,23,-21,-11,3,false,Tax-aware sells next window
P8102,Active,Trust,USD,2025-10-25,2356002,280466,2075536,1.0,62.9,19.9,8.6,8.6,HYG:25.8%;VOO:25.1%;XLF:23.4%;QQQ:25.8%,US:69.7;EU:12.9;APAC:6.1;EM:6.6;Other:4.7,Value:+0.1;Growth:+0.8;Quality:+0.7;Size:-1.0;Momentum:+0.8;LowVol:+0.9,,6,25,4.9,trailing 9%,175,25.2,Volatile,26.1,5.2,3.0,157,35,60,59,true,Rebalance,Rebalance back to target bands,18,-2,BrokerB,LMT,85,RegimeShift,TightenStops,Volatility spike and breadth deterioration,-56,-22,20,4,false,Tighten stops on momentum names
P8103,Opportunistic,401k,USD,2025-05-26,1486507,77752,1408755,1.22,66.5,14.4,12.4,6.8,MUB:9.7%;VNQ:22.4%;AAPL:22.4%;HYG:22.4%;BRK.B:14.9%;AMZN:8.2%,US:59.8;EU:15.7;APAC:14.0;EM:9.5;Other:1.0,Value:-0.5;Growth:+0.4;Quality:+0.1;Size:+0.5;Momentum:+0.5;LowVol:-0.3,,10,25,6.7,trailing 9%,272,27.6,Sideways,14.6,4.59,2.3,113,21,70,50,false,Buy,Add to core equity +1%,9,-4,BrokerD,MKT,100,None,None,Normal monitoring,92,-56,226,3,false,Tighten stops on momentum names
P8104,Cautious,Trust,USD,2024-08-14,495374,70932,424442,1.0,47.2,43.0,0.0,9.8,QQQ:33.3%;BND:33.3%;VOO:33.3%,US:72.7;EU:8.4;APAC:6.2;EM:8.9;Other:3.9,Value:+0.6;Growth:-0.7;Quality:+0.4;Size:+0.2;Momentum:-0.4;LowVol:-0.2,ESGOnly;NoMargin,6,30,4.0,hard 10%,119,13.9,Bear,22.6,3.52,2.4,170,-10,59,63,false,Sell,Trim extended winner -1%,8,-21,BrokerD,LMT,98,None,None,Normal monitoring,108,-23,75,3,false,Increase defensive factor exposure
P8105,Cautious,Roth,USD,2024-10-25,331798,38871,292927,1.0,41.5,43.3,0.0,15.2,XLF:23.5%;GLD:23.7%;TSLA:23.7%;BRK.B:10.1%;BND:19.1%,US:62.8;EU:12.7;APAC:13.1;EM:8.5;Other:2.9,Value:-0.9;Growth:-0.6;Quality:-0.6;Size:-0.3;Momentum:-0.5;LowVol:-0.1,ESGOnly;NoDerivatives;NoMargin,8,30,3.7,trailing 8%,112,15.9,Volatile,29.1,3.68,3.4,173,34,52,66,false,Sell,Trim extended winner -1%,3,6,BrokerA,MKT,93,None,None,Normal monitoring,120,-23,190,3,false,Within IPS guidelines
P8106,Hands-off,401k,USD,2024-10-24,520293,37519,482774,1.0,57.6,20.6,11.9,9.9,AMZN:34.9%;BRK.B:30.2%;HYG:34.9%,US:81.3;EU:7.4;APAC:5.3;EM:3.4;Other:2.5,Value:+0.1;Growth:-0.7;Quality:-0.1;Size:+0.7;Momentum:-0.5;LowVol:+0.1,,7,25,5.2,trailing 8%,169,13.9,Bull,17.7,4.24,2.4,112,11,70,53,false,Rebalance,Shift +1% to bonds from equity,33,-13,BrokerD,LMT,85,None,None,Normal monitoring,110,-49,85,3,false,Tax-aware sells next window
P8107,Active,Roth,USD,2025-10-17,1894833,131598,1763235,1.09,51.1,29.2,10.0,9.7,MSFT:21.4%;IEF:20.1%;VTI:21.9%;BND:21.9%;GLD:14.6%,US:71.1;EU:6.9;APAC:11.9;EM:8.3;Other:1.8,Value:-0.6;Growth:+0.5;Quality:-0.6;Size:-0.3;Momentum:-0.9;LowVol:0.0,MaxPos8%,8,30,5.3,hard 12%,172,22.0,Bear,28.4,4.01,2.8,130,-93,5,77,true,Hedge,Buy index puts 1% notional,22,10,BrokerD,MKT,93,VAR>budget,Reduce,Risk above budget threshold,-20,-32,90,2,false,Tax-aware sells next window
P8108,Cautious,401k,USD,2025-04-04,390607,50365,340242,1.0,46.3,39.1,0.0,14.6,IEF:18.8%;VOO:15.8%;QQQ:21.8%;MUB:21.8%;GLD:21.8%,US:60.7;EU:14.9;APAC:12.4;EM:8.4;Other:3.5,Value:-0.3;Growth:-0.3;Quality:-0.9;Size:+0.2;Momentum:+0.4;LowVol:+0.5,MaxPos7%;NoMargin,5,30,5.9,hard 10%,107,13.3,Sideways,20.5,3.97,2.6,121,-20,38,43,false,Buy,Add to core equity +1%,25,12,BrokerB,VWAP,89,None,None,Normal monitoring,103,-32,182,3,false,Tighten stops on momentum names
P8109,Hands-off,401k,USD,2025-08-03,752987,53662,699325,1.0,57.4,27.0,6.3,9.4,MUB:16.0%;TSLA:13.2%;XLF:21.0%;GLD:21.0%;BND:16.7%;VTI:12.1%,US:64.1;EU:14.9;APAC:7.0;EM:10.3;Other:3.5,Value:-0.8;Growth:-0.4;Quality:-0.6;Size:-0.1;Momentum:+0.2;LowVol:-0.4,MaxPos8%,10,30,5.6,hard 10%,128,16.6,Sideways,14.2,3.92,2.9,96,60,80,52,false,Sell,Trim extended winner -1%,35,7,BrokerD,MKT,86,None,None,Normal monitoring,-37,-47,-27,4,false,Within IPS guidelines
P8110,Active,Trust,USD,2024-08-18,1648577,132873,1515704,1.0,59.3,24.6,10.8,5.3,BND:13.6%;MUB:17.1%;HYG:21.8%;QQQ:21.8%;VOO:9.9%;TLT:15.7%,US:67.0;EU:10.9;APAC:9.5;EM:9.3;Other:3.3,Value:+0.8;Growth:-0.8;Quality:-0.9;Size:+1.0;Momentum:0.0;LowVol:-0.9,NoDerivatives,8,25,5.2,trailing 8%,163,24.0,Bull,13.3,4.3,3.3,76,82,100,49,false,Rebalance,Shift +1% to bonds from equity,26,9,BrokerC,MKT,95,None,None,Normal monitoring,110,-52,211,4,false,Increase defensive factor exposure
P8111,Hands-off,Taxable,USD,2025-04-24,379513,34195,345318,1.0,57.8,16.7,18.5,7.0,XLF:28.8%;BRK.B:28.8%;QQQ:28.8%;HYG:13.5%,US:71.1;EU:11.0;APAC:6.1;EM:8.5;Other:3.3,Value:0.0;Growth:-0.6;Quality:-0.0;Size:+0.5;Momentum:-0.9;LowVol:-0.5,ESGOnly,8,25,3.5,hard 10%,105,16.8,Bear,25.0,3.33,2.9,151,23,63,57,false,Buy,Add to core equity +1%,4,-35,BrokerB,MKT,98,None,None,Normal monitoring,-41,15,61,5,false,Increase defensive factor exposure
P8112,Opportunistic,IRA,USD,2024-12-31,1635941,84348,1551593,1.0,68.4,20.6,5.4,5.6,MUB:33.3%;VNQ:33.3%;IEF:33.3%,US:74.1;EU:11.6;APAC:5.7;EM:4.3;Other:4.2,Value:-0.7;Growth:-0.6;Quality:+0.6;Size:+0.4;Momentum:+0.5;LowVol:+0.4,NoDerivatives,5,30,6.0,trailing 7%,181,25.8,Sideways,14.1,4.57,3.1,138,50,63,57,false,Buy,Add to core equity +1%,-8,-8,BrokerC,LMT,97,None,None,Normal monitoring,-37,7,-34,4,false,Tighten stops on momentum names
P8113,Opportunistic,Trust,USD,2025-09-02,744352,38140,706212,1.16,64.4,13.1,18.1,4.3,AMZN:33.3%;HYG:33.3%;TSLA:33.3%,US:68.4;EU:16.4;APAC:8.1;EM:5.7;Other:1.5,Value:+0.3;Growth:-0.7;Quality:-0.4;Size:+0.4;Momentum:-0.6;LowVol:+0.5,,8,30,5.7,trailing 7%,197,33.1,Bear,35.0,3.31,2.6,202,-69,5,86,true,Reduce,"Cut high-beta by 2-3%, add cash",-12,-2,BrokerD,LMT,95,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,116,1,250,4,true,Within IPS guidelines
P8114,Opportunistic,Taxable,USD,2025-10-03,891971,61515,830456,1.0,71.4,19.7,2.3,6.7,VTI:19.3%;XLF:8.0%;MUB:12.9%;VNQ:21.9%;HYG:15.9%;TSLA:21.9%,US:61.4;EU:16.3;APAC:11.8;EM:8.6;Other:1.9,Value:-1.0;Growth:-0.6;Quality:-0.8;Size:-0.2;Momentum:-0.5;LowVol:-0.7,,6,35,4.4,trailing 9%,190,28.9,Volatile,20.2,3.72,2.3,149,-31,22,54,false,Sell,Trim extended winner -1%,14,-10,BrokerA,MKT,93,None,None,Normal monitoring,30,-52,93,4,false,Tax-aware sells next window
P8115,Cautious,Roth,USD,2024-12-28,810622,103154,707468,1.0,37.9,41.5,4.2,16.4,AAPL:22.4%;BRK.B:18.6%;VOO:23.1%;BND:15.8%;GLD:9.0%;MUB:11.1%,US:69.6;EU:9.7;APAC:8.0;EM:7.9;Other:4.8,Value:+0.6;Growth:-0.7;Quality:+0.7;Size:-0.9;Momentum:-0.2;LowVol:+0.1,ESGOnly;NoMargin,10,30,4.2,hard 10%,167,13.2,Bear,32.1,3.9,2.5,220,-1,42,56,false,Sell,Trim extended winner -1%,31,6,BrokerB,MKT,95,None,None,Normal monitoring,-10,-17,108,3,false,Increase defensive factor exposure
P8116,Systematic,401k,USD,2024-09-15,1978151,168318,1809833,1.0,58.4,30.4,2.3,8.9,TSLA:22.6%;MUB:25.8%;TLT:25.8%;GLD:25.8%,US:62.9;EU:16.7;APAC:6.0;EM:10.7;Other:3.6,Value:+0.4;Growth:+0.3;Quality:-0.5;Size:+0.8;Momentum:+0.5;LowVol:-0.8,MaxPos8%,8,25,5.8,trailing 8%,124,18.6,Volatile,30.7,4.61,3.5,139,-24,41,77,true,Reduce,"Cut high-beta by 2-3%, add cash",21,0,BrokerA,LMT,85,RegimeShift,Reduce,Volatility spike and breadth deterioration,-1,-21,55,5,false,Monitor dispersion and breadth
P8117,Opportunistic,401k,USD,2025-08-25,890087,40488,849599,1.0,65.2,21.6,6.3,7.0,QQQ:20.2%;TLT:28.6%;AAPL:22.5%;AMZN:28.6%,US:69.4;EU:8.6;APAC:10.5;EM:10.0;Other:1.5,Value:-0.3;Growth:+0.1;Quality:+0.1;Size:-0.7;Momentum:+0.1;LowVol:-0.6,,10,35,5.0,trailing 9%,270,23.5,Volatile,28.5,3.81,4.2,141,2,43,81,true,Rebalance,Rebalance back to target bands,-8,-32,BrokerB,LMT,95,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-7,10,-17,3,false,Within IPS guidelines
P8118,Cautious,IRA,USD,2024-12-19,175678,19406,156272,1.0,46.3,38.2,0.0,15.5,VTI:19.6%;AAPL:21.0%;TLT:21.1%;MUB:17.3%;IEF:21.1%,US:64.7;EU:19.7;APAC:6.6;EM:4.6;Other:4.4,Value:+0.6;Growth:+0.4;Quality:+0.9;Size:-0.2;Momentum:+0.7;LowVol:-0.6,ESGOnly;NoDerivatives;NoMargin,6,35,5.2,hard 10%,161,16.5,Sideways,20.2,3.68,2.9,140,22,48,41,false,Rebalance,Shift +1% to bonds from equity,0,3,BrokerC,LMT,88,None,None,Normal monitoring,82,3,128,5,false,Increase defensive factor exposure
P8119,Active,Roth,USD,2024-07-18,1712829,169810,1543019,1.08,51.9,25.4,15.6,7.2,TSLA:8.3%;VNQ:18.8%;AMZN:20.5%;XLF:11.4%;MSFT:20.4%;HYG:20.5%,US:67.9;EU:17.2;APAC:6.1;EM:6.3;Other:2.6,Value:-0.2;Growth:+0.4;Quality:-0.1;Size:+0.3;Momentum:-0.2;LowVol:+0.5,,8,35,5.4,hard 12%,210,22.4,Volatile,27.6,3.81,2.6,141,71,88,70,false,Hedge,Add TLT +1% as duration hedge,-9,5,BrokerB,LMT,95,None,None,Normal monitoring,4,-1,44,3,false,Tax-aware sells next window
P8120,Cautious,Roth,USD,2025-08-01,591755,55659,536096,1.0,43.7,39.5,0.0,16.7,VOO:36.9%;GLD:36.9%;VNQ:26.1%,US:69.8;EU:15.7;APAC:7.1;EM:7.3;Other:0.2,Value:+0.8;Growth:+0.1;Quality:+0.7;Size:+0.8;Momentum:-0.2;LowVol:0.0,ESGOnly;NoMargin,7,35,4.3,trailing 10%,129,19.4,Volatile,24.0,5.26,3.5,161,31,69,44,false,NoAction,Within bands; monitor,-12,-23,BrokerD,LMT,89,None,None,Normal monitoring,-31,-35,-38,3,false,Tax-aware sells next window
P8121,Opportunistic,Roth,USD,2024-07-22,1123042,50992,1072050,1.0,64.4,18.1,11.3,6.2,AMZN:21.9%;BND:20.6%;IEF:9.7%;XLF:18.9%;AAPL:21.9%;VNQ:6.8%,US:71.5;EU:12.1;APAC:8.5;EM:3.3;Other:4.6,Value:+0.8;Growth:+0.2;Quality:+0.4;Size:-0.7;Momentum:-0.3;LowVol:-0.5,MaxPos6%,7,30,6.2,hard 12%,227,30.1,Sideways,15.3,4.16,2.9,100,53,68,57,false,Buy,Add to core equity +1%,-8,-15,BrokerA,LMT,91,None,None,Normal monitoring,-41,5,52,4,false,Tighten stops on momentum names
P8122,Opportunistic,Trust,USD,2024-07-26,1021582,84143,937439,1.16,63.1,14.6,15.0,7.2,AAPL:28.2%;VOO:15.4%;MUB:28.2%;TLT:28.2%,US:60.0;EU:17.3;APAC:10.2;EM:9.4;Other:3.1,Value:+0.2;Growth:-0.7;Quality:-0.5;Size:+0.3;Momentum:+0.5;LowVol:-0.4,MaxPos6%,7,30,5.7,trailing 9%,183,34.0,Bull,17.4,3.69,3.5,79,44,69,49,false,Sell,Trim extended winner -1%,12,-39,BrokerC,LMT,95,None,None,Normal monitoring,88,-44,207,5,false,Increase defensive factor exposure
P8123,Systematic,Trust,USD,2024-07-19,1452717,73182,1379535,1.0,62.7,30.2,0.0,7.1,VTI:21.2%;AAPL:21.9%;XLF:13.2%;MUB:21.9%;HYG:21.9%,US:76.0;EU:10.4;APAC:8.0;EM:4.3;Other:1.3,Value:+0.6;Growth:-0.9;Quality:+0.1;Size:0.0;Momentum:+1.0;LowVol:-0.2,NoDerivatives,7,25,5.8,trailing 8%,173,20.4,Bull,17.0,4.93,2.5,71,86,100,58,false,Buy,Add to core equity +1%,18,-9,BrokerD,LMT,85,None,None,Normal monitoring,-31,-6,100,5,false,Increase defensive factor exposure
P8124,Hands-off,Taxable,USD,2025-11-28,646643,42190,604453,1.0,70.6,22.1,0.7,6.6,VTI:28.0%;HYG:28.0%;BND:16.1%;MUB:28.0%,US:61.2;EU:12.4;APAC:12.5;EM:12.8;Other:1.2,Value:-0.3;Growth:-0.7;Quality:+0.3;Size:+0.3;Momentum:-0.4;LowVol:-0.3,ESGOnly,6,30,3.7,trailing 8%,112,12.3,Bear,33.0,4.07,1.2,202,-17,26,97,true,Rebalance,Rebalance back to target bands,19,-2,BrokerB,LMT,85,RegimeShift,Reduce,Volatility spike and breadth deterioration,53,5,156,2,false,Tighten stops on momentum names
P8125,Active,IRA,USD,2024-10-08,821135,79517,741618,1.0,62.3,31.2,0.0,6.5,AMZN:33.3%;QQQ:33.3%;TSLA:33.3%,US:63.7;EU:12.2;APAC:11.1;EM:12.4;Other:0.5,Value:+0.5;Growth:+0.3;Quality:+0.7;Size:+0.1;Momentum:-0.4;LowVol:-0.7,,6,30,4.8,trailing 9%,164,23.1,Sideways,16.9,4.14,3.1,129,10,65,42,false,Buy,Add to core equity +1%,23,15,BrokerD,MKT,93,None,None,Normal monitoring,106,-4,133,4,false,Tighten stops on momentum names
P8126,Opportunistic,Trust,USD,2024-10-15,976678,66301,910377,1.0,73.0,18.6,0.0,8.5,TLT:20.6%;VOO:18.7%;QQQ:13.1%;VTI:20.6%;TSLA:12.2%;BND:14.8%,US:65.7;EU:11.3;APAC:15.3;EM:6.1;Other:1.6,Value:+0.9;Growth:0.0;Quality:-0.2;Size:+0.3;Momentum:+0.5;LowVol:-0.9,MaxPos7%,10,25,5.1,hard 12%,267,31.4,Volatile,22.4,4.61,4.4,121,20,61,72,true,Hedge,Buy index puts 1% notional,-7,-13,BrokerA,VWAP,92,RegimeShift,Pause,Volatility spike and breadth deterioration,-51,-6,65,4,false,Tighten stops on momentum names
P8127,Hands-off,401k,USD,2025-03-26,468264,19880,448384,1.0,65.5,24.1,4.5,5.9,TSLA:12.6%;GLD:20.0%;IEF:23.7%;QQQ:11.5%;TLT:23.7%;AMZN:8.5%,US:74.7;EU:7.2;APAC:8.6;EM:8.9;Other:0.6,Value:-0.3;Growth:-0.4;Quality:-0.7;Size:-0.4;Momentum:+0.5;LowVol:-0.4,,7,25,3.2,trailing 8%,120,13.5,Volatile,21.2,3.78,4.5,126,35,67,60,false,Buy,Add to core equity +1%,-2,4,BrokerA,MKT,94,None,None,Normal monitoring,110,16,195,5,false,Monitor dispersion and breadth
P8128,Cautious,Roth,USD,2025-05-28,505147,52806,452341,1.0,39.3,43.5,0.5,16.7,VOO:23.4%;QQQ:22.3%;BRK.B:23.4%;AAPL:9.6%;TSLA:21.2%,US:73.2;EU:5.7;APAC:12.2;EM:5.3;Other:3.5,Value:-0.6;Growth:-0.9;Quality:-0.8;Size:-0.1;Momentum:+0.1;LowVol:-0.5,ESGOnly;NoMargin,7,25,5.4,trailing 10%,115,17.2,Sideways,20.8,3.8,3.1,138,-21,32,36,false,NoAction,Within bands; monitor,7,-15,BrokerC,MKT,0,None,None,Normal monitoring,-56,-36,54,3,false,Monitor dispersion and breadth
P8129,Opportunistic,Roth,USD,2025-01-24,1566108,139518,1426590,1.0,73.1,13.5,6.0,7.4,AMZN:25.9%;BRK.B:25.9%;IEF:25.9%;QQQ:22.4%,US:66.7;EU:16.0;APAC:10.7;EM:5.0;Other:1.6,Value:+0.9;Growth:+0.1;Quality:-0.8;Size:-0.9;Momentum:-0.6;LowVol:+0.1,,7,25,6.5,trailing 7%,207,21.2,Bear,22.4,4.4,1.8,162,-87,12,65,false,Rebalance,Shift +1% to bonds from equity,31,-38,BrokerC,MKT,86,None,None,Normal monitoring,50,-22,27,5,false,Monitor dispersion and breadth
P8130,Active,IRA,USD,2025-03-19,507257,30455,476802,1.14,67.7,23.6,1.3,7.4,VOO:33.3%;TSLA:33.3%;AAPL:33.3%,US:73.9;EU:9.8;APAC:8.1;EM:7.5;Other:0.8,Value:-0.3;Growth:+1.0;Quality:-0.1;Size:-0.5;Momentum:+0.2;LowVol:-0.9,MaxPos7%;NoDerivatives,6,30,4.2,trailing 8%,134,18.2,Volatile,20.1,4.09,4.1,142,21,49,68,true,Hedge,Buy index puts 1% notional,30,-36,BrokerB,MKT,87,VAR>budget,Reduce,Risk above budget threshold,-19,-20,30,4,true,Tighten stops on momentum names
P8131,Opportunistic,Taxable,USD,2024-10-03,658579,38788,619791,1.17,62.3,19.3,11.2,7.2,VOO:26.5%;AAPL:26.5%;GLD:26.5%;VNQ:20.4%,US:65.3;EU:15.2;APAC:7.4;EM:9.3;Other:2.7,Value:+0.8;Growth:-0.8;Quality:+0.9;Size:+0.3;Momentum:-0.2;LowVol:-0.6,,10,30,6.5,hard 12%,255,33.4,Sideways,21.9,4.06,3.5,136,32,72,63,false,NoAction,Within bands; monitor,-3,4,BrokerD,MKT,0,None,None,Normal monitoring,52,5,35,5,false,Within IPS guidelines
P8132,Hands-off,401k,USD,2025-11-09,749577,41142,708435,1.0,68.6,20.1,4.1,7.1,AAPL:33.3%;BND:33.3%;QQQ:33.3%,US:58.3;EU:16.9;APAC:12.8;EM:10.7;Other:1.4,Value:+0.7;Growth:+0.6;Quality:-0.6;Size:-0.8;Momentum:+0.5;LowVol:-0.8,ESGOnly,10,25,4.3,trailing 8%,127,19.3,Bear,30.4,3.72,2.1,179,-89,9,84,true,Rebalance,Rebalance back to target bands,-5,-40,BrokerA,MKT,89,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-15,-4,68,3,false,Tighten stops on momentum names
P8133,Active,IRA,USD,2024-10-27,1029395,102065,927330,1.0,59.4,18.5,16.4,5.8,VNQ:19.4%;AAPL:21.6%;QQQ:18.1%;VOO:21.6%;GLD:19.4%,US:57.1;EU:19.9;APAC:6.3;EM:11.9;Other:4.9,Value:-0.5;Growth:+0.1;Quality:-0.9;Size:+0.6;Momentum:+0.8;LowVol:+1.0,NoDerivatives,5,25,5.1,trailing 8%,207,21.9,Volatile,26.2,5.37,3.7,116,-60,35,74,true,Hedge,Buy index puts 1% notional,9,-18,BrokerC,MKT,97,RegimeShift,Hedge,Volatility spike and breadth deterioration,65,-1,194,3,false,Monitor dispersion and breadth
P8134,Active,Roth,USD,2024-10-21,1160298,113070,1047228,1.0,50.6,26.4,15.3,7.6,AMZN:17.4%;VTI:26.9%;BRK.B:14.1%;GLD:14.8%;TSLA:26.9%,US:66.7;EU:12.2;APAC:12.3;EM:7.8;Other:0.9,Value:+0.3;Growth:-0.4;Quality:+0.5;Size:-0.3;Momentum:+0.5;LowVol:+0.5,,6,25,4.1,trailing 9%,158,17.1,Sideways,20.5,4.68,2.9,110,-10,57,55,true,Hedge,Buy index puts 1% notional,-12,-11,BrokerD,MKT,98,VAR>budget,Hedge,Risk above budget threshold,83,-1,90,5,false,Tighten stops on momentum names
P8135,Cautious,Trust,USD,2024-07-16,284885,23436,261449,1.0,52.2,31.3,5.3,11.2,TLT:27.9%;VTI:19.4%;VNQ:27.9%;AMZN:24.8%,US:64.8;EU:20.0;APAC:6.2;EM:3.9;Other:5.1,Value:+0.3;Growth:-0.6;Quality:-0.6;Size:+0.1;Momentum:-0.6;LowVol:-0.0,ESGOnly;MaxPos7%;NoDerivatives;NoMargin,7,35,5.9,trailing 8%,167,14.7,Sideways,20.3,4.99,2.9,115,51,85,56,false,Rebalance,Shift +1% to bonds from equity,14,-36,BrokerD,LMT,97,None,None,Normal monitoring,66,-18,130,4,false,Within IPS guidelines
P8136,Hands-off,Trust,USD,2025-10-26,482712,29635,453077,1.0,66.7,22.5,2.1,8.6,VOO:22.5%;TSLA:22.5%;AAPL:22.5%;HYG:20.1%;XLF:12.4%,US:64.5;EU:18.0;APAC:8.9;EM:5.1;Other:3.6,Value:-0.0;Growth:+0.4;Quality:-0.2;Size:+0.5;Momentum:-0.1;LowVol:0.0,ESGOnly;MaxPos7%,10,30,4.7,trailing 8%,147,15.4,Volatile,31.9,5.27,2.4,134,46,81,85,true,Hedge,Buy index puts 1% notional,2,-12,BrokerA,MKT,95,RegimeShift,Pause,Volatility spike and breadth deterioration,63,10,155,3,true,Increase defensive factor exposure
P8137,Cautious,Roth,USD,2025-05-21,258293,24648,233645,1.0,43.1,34.6,10.1,12.3,IEF:34.4%;BND:31.3%;XLF:34.4%,US:67.5;EU:10.4;APAC:11.7;EM:9.6;Other:0.7,Value:-0.8;Growth:+0.2;Quality:+0.3;Size:-0.2;Momentum:+0.2;LowVol:+0.2,NoMargin,7,25,5.2,trailing 8%,96,18.1,Bull,11.0,3.56,3.2,84,94,100,30,false,Buy,Add to core equity +1%,-8,-23,BrokerC,MKT,96,None,None,Normal monitoring,71,-51,60,3,false,Tax-aware sells next window
P8138,Systematic,Taxable,USD,2025-09-30,616837,51925,564912,1.0,61.2,30.0,3.3,5.5,VOO:21.1%;MSFT:26.3%;AMZN:26.3%;QQQ:26.3%,US:60.7;EU:15.8;APAC:10.7;EM:7.7;Other:5.1,Value:+0.9;Growth:+0.5;Quality:+0.3;Size:+0.2;Momentum:+0.3;LowVol:+0.4,MaxPos8%,8,35,5.4,hard 12%,133,22.6,Sideways,21.3,3.56,3.3,129,54,78,53,true,Hedge,Buy index puts 1% notional,-7,7,BrokerD,MKT,86,RegimeShift,Hedge,Volatility spike and breadth deterioration,1,-42,103,5,false,Monitor dispersion and breadth
P8139,Active,Roth,USD,2024-07-21,2112646,178462,1934184,1.0,66.6,20.2,4.1,9.0,MUB:20.0%;VTI:26.7%;MSFT:26.7%;BRK.B:26.7%,US:65.7;EU:12.2;APAC:10.8;EM:7.4;Other:3.9,Value:-0.7;Growth:-0.3;Quality:+0.3;Size:+0.5;Momentum:-0.4;LowVol:+0.3,NoDerivatives,5,35,5.6,trailing 8%,162,25.9,Bull,15.6,4.02,2.9,94,9,58,49,false,Sell,Trim extended winner -1%,0,-5,BrokerC,MKT,97,None,None,Normal monitoring,75,-5,145,5,false,Within IPS guidelines
P8140,Active,Roth,USD,2024-10-16,619829,69297,550532,1.0,55.1,20.0,15.4,9.5,BND:19.8%;XLF:26.7%;IEF:26.7%;TLT:26.7%,US:60.2;EU:19.7;APAC:8.2;EM:8.4;Other:3.5,Value:-0.8;Growth:+0.8;Quality:-0.8;Size:-0.2;Momentum:+1.0;LowVol:-0.2,MaxPos8%,8,30,5.8,hard 12%,122,26.4,Bull,15.5,3.8,3.2,75,40,62,40,false,Sell,Trim extended winner -1%,-15,-25,BrokerB,VWAP,92,None,None,Normal monitoring,-41,-6,33,3,false,Monitor dispersion and breadth
P8141,Cautious,Trust,USD,2024-08-07,370722,34835,335887,1.0,39.4,34.7,12.0,13.9,XLF:26.5%;MSFT:26.5%;AMZN:24.6%;MUB:22.3%,US:69.1;EU:5.9;APAC:14.8;EM:9.6;Other:0.6,Value:+0.9;Growth:+0.6;Quality:-0.2;Size:+0.8;Momentum:-0.1;LowVol:+0.9,MaxPos8%;NoMargin,10,30,5.8,trailing 10%,90,15.0,Sideways,21.4,3.68,2.8,139,49,76,40,false,Rebalance,Shift +1% to bonds from equity,-10,-22,BrokerB,LMT,95,None,None,Normal monitoring,-10,-36,-39,3,false,Within IPS guidelines
P8142,Active,Trust,USD,2025-10-04,1472338,157213,1315125,1.0,60.4,30.2,0.0,9.5,QQQ:33.3%;BRK.B:33.3%;TSLA:33.3%,US:64.4;EU:13.0;APAC:11.1;EM:9.4;Other:2.0,Value:-0.1;Growth:+0.1;Quality:+0.3;Size:+0.6;Momentum:-0.7;LowVol:+0.1,NoDerivatives,7,25,4.1,hard 12%,167,16.5,Bull,11.8,4.15,3.4,70,74,90,30,false,Rebalance,Shift +1% to bonds from equity,23,12,BrokerD,MKT,88,None,None,Normal monitoring,50,-51,158,3,false,Tighten stops on momentum names
P8143,Cautious,Roth,USD,2025-06-20,523697,54540,469157,1.0,50.6,34.9,0.0,14.5,AMZN:15.8%;AAPL:28.1%;TLT:28.1%;IEF:28.1%,US:62.5;EU:14.0;APAC:12.8;EM:8.2;Other:2.6,Value:+0.7;Growth:-0.1;Quality:-0.3;Size:-0.5;Momentum:+0.7;LowVol:-0.8,NoDerivatives;NoMargin,6,30,4.8,trailing 8%,115,17.4,Volatile,25.9,3.6,3.6,175,-34,22,57,false,Buy,Add to core equity +1%,17,6,BrokerC,LMT,91,None,None,Normal monitoring,-6,-60,-36,3,false,Tighten stops on momentum names
P8144,Active,Taxable,USD,2025-03-16,690061,63095,626966,1.07,63.0,28.7,0.0,8.3,AAPL:38.9%;IEF:22.1%;VNQ:38.9%,US:63.6;EU:17.5;APAC:6.5;EM:9.9;Other:2.4,Value:+0.7;Growth:-0.4;Quality:+0.7;Size:+0.1;Momentum:+0.1;LowVol:-0.6,,8,30,4.6,trailing 9%,120,21.3,Bear,33.0,3.7,2.6,195,-20,39,93,true,Hedge,Buy index puts 1% notional,20,-21,BrokerA,MKT,97,VAR>budget,Hedge,Risk above budget threshold,3,-36,17,2,false,Monitor dispersion and breadth
P8145,Cautious,Trust,USD,2025-07-06,524905,58724,466181,1.0,41.8,33.8,9.6,14.8,GLD:25.1%;MSFT:25.1%;BND:25.1%;BRK.B:24.6%,US:72.3;EU:7.0;APAC:10.6;EM:9.8;Other:0.4,Value:-0.5;Growth:-0.1;Quality:-0.2;Size:+0.8;Momentum:-0.9;LowVol:+1.0,NoMargin,5,25,3.3,trailing 10%,151,15.1,Bull,17.8,3.61,2.2,103,106,100,39,false,NoAction,Within bands; monitor,17,-23,BrokerD,LMT,98,None,None,Normal monitoring,106,17,101,4,false,Within IPS guidelines
P8146,Cautious,401k,USD,2025-02-13,197203,20924,176279,1.0,46.7,33.5,4.6,15.2,GLD:36.2%;VNQ:27.6%;VOO:36.2%,US:64.9;EU:17.4;APAC:9.6;EM:6.9;Other:1.2,Value:+1.0;Growth:+1.0;Quality:-0.3;Size:+0.2;Momentum:-0.7;LowVol:-0.7,NoMargin,10,25,3.0,trailing 10%,140,15.8,Volatile,29.0,5.46,3.9,158,50,78,63,false,Sell,Trim extended winner -1%,4,-26,BrokerB,MKT,89,None,None,Normal monitoring,32,-25,31,4,false,Increase defensive factor exposure
P8147,Systematic,IRA,USD,2025-11-13,1121635,46461,1075174,1.0,66.3,24.5,3.0,6.1,VNQ:24.6%;HYG:14.6%;BND:11.5%;IEF:24.6%;QQQ:24.6%,US:65.7;EU:14.9;APAC:7.6;EM:8.2;Other:3.7,Value:-0.2;Growth:+0.5;Quality:+0.7;Size:-0.1;Momentum:-0.9;LowVol:-0.4,,6,35,4.9,hard 12%,191,20.3,Volatile,20.1,4.11,3.2,144,28,70,59,false,Rebalance,Shift +1% to bonds from equity,21,-39,BrokerD,MKT,90,None,None,Normal monitoring,-15,-24,-12,4,false,Tax-aware sells next window
P8148,Cautious,401k,USD,2024-09-26,554476,67077,487399,1.0,45.5,39.4,0.0,15.1,TLT:33.3%;QQQ:33.3%;GLD:33.3%,US:73.6;EU:6.2;APAC:7.4;EM:10.4;Other:2.4,Value:+0.8;Growth:-0.7;Quality:+0.7;Size:-0.4;Momentum:+0.4;LowVol:-0.4,ESGOnly;MaxPos6%;NoDerivatives;NoMargin,10,30,3.7,trailing 10%,158,17.8,Bear,25.4,3.49,1.2,193,32,79,64,false,Rebalance,Shift +1% to bonds from equity,2,0,BrokerC,MKT,88,None,None,Normal monitoring,0,11,109,5,false,Monitor dispersion and breadth
P8149,Active,Taxable,USD,2025-01-09,1939958,125824,1814134,1.0,54.2,18.9,19.2,7.7,MSFT:22.0%;QQQ:22.0%;HYG:8.8%;VTI:14.3%;VOO:10.8%;TSLA:22.0%,US:64.6;EU:15.0;APAC:15.5;EM:3.3;Other:1.6,Value:+0.5;Growth:+0.3;Quality:-0.5;Size:+0.5;Momentum:-1.0;LowVol:+1.0,,8,25,4.3,trailing 8%,195,23.9,Bull,15.7,4.54,3.5,117,50,60,44,false,Rebalance,Shift +1% to bonds from equity,24,-20,BrokerD,MKT,98,None,None,Normal monitoring,78,7,72,3,false,Tighten stops on momentum names
P8150,Active,Roth,USD,2024-08-24,964616,100015,864601,1.14,68.1,18.6,6.5,6.8,GLD:21.4%;VTI:21.4%;BND:21.4%;BRK.B:14.8%;TSLA:21.1%,US:66.2;EU:15.8;APAC:8.5;EM:8.8;Other:0.7,Value:-0.3;Growth:0.0;Quality:-0.6;Size:-0.9;Momentum:-0.3;LowVol:-0.3,,5,25,4.2,trailing 8%,123,20.8,Volatile,22.9,4.08,3.1,179,3,58,69,false,Sell,Trim extended winner -1%,26,2,BrokerC,LMT,92,None,None,Normal monitoring,89,-36,146,4,false,Within IPS guidelines
P8151,Systematic,Roth,USD,2025-11-08,1399960,66940,1333020,1.0,58.3,25.8,7.7,8.2,HYG:27.0%;MUB:23.5%;TLT:22.5%;VNQ:27.0%,US:70.1;EU:8.5;APAC:8.0;EM:7.5;Other:5.8,Value:-0.8;Growth:+0.8;Quality:-0.9;Size:+0.5;Momentum:-0.1;LowVol:+0.6,MaxPos5%,7,25,5.6,trailing 9%,209,16.4,Sideways,16.9,3.69,3.3,138,15,59,42,false,Sell,Trim extended winner -1%,14,0,BrokerD,LMT,86,None,None,Normal monitoring,28,-8,25,5,false,Tighten stops on momentum names
P8152,Hands-off,IRA,USD,2024-11-03,446264,18163,428101,1.0,59.1,18.1,16.4,6.4,TSLA:20.0%;HYG:26.7%;VNQ:26.7%;AAPL:26.7%,US:58.5;EU:16.5;APAC:16.1;EM:8.3;Other:0.6,Value:-0.8;Growth:+1.0;Quality:-0.8;Size:+0.8;Momentum:-0.4;LowVol:-0.6,,8,35,3.3,trailing 10%,119,18.5,Sideways,17.7,3.58,2.4,118,-24,34,51,false,Rebalance,Shift +1% to bonds from equity,19,13,BrokerC,MKT,92,None,None,Normal monitoring,-30,13,43,3,false,Tighten stops on momentum names
P8153,Cautious,Taxable,USD,2025-06-04,509790,78644,431146,1.0,49.4,38.8,0.0,11.8,VTI:7.8%;TSLA:20.3%;GLD:19.0%;AAPL:18.2%;AMZN:15.4%;MSFT:19.4%,US:74.3;EU:15.4;APAC:5.7;EM:3.7;Other:0.9,Value:-0.6;Growth:-0.5;Quality:+0.5;Size:-0.5;Momentum:+0.1;LowVol:+0.2,ESGOnly;NoMargin,8,30,5.3,trailing 10%,149,17.5,Bear,31.4,4.25,1.4,150,-45,15,70,false,Buy,Add to core equity +1%,23,12,BrokerA,LMT,87,None,None,Normal monitoring,-59,-14,37,4,false,Increase defensive factor exposure
P8154,Hands-off,401k,USD,2025-05-09,234518,12735,221783,1.0,70.5,23.2,0.0,6.4,VTI:28.8%;TSLA:28.8%;QQQ:27.6%;HYG:14.8%,US:68.3;EU:19.5;APAC:7.4;EM:4.4;Other:0.5,Value:+0.6;Growth:+0.2;Quality:+0.6;Size:+0.3;Momentum:+0.5;LowVol:+0.6,ESGOnly;MaxPos5%;NoDerivatives,6,35,5.0,trailing 8%,98,15.2,Bull,16.0,3.99,2.1,70,115,92,50,false,Sell,Trim extended winner -1%,-2,8,BrokerA,MKT,90,None,None,Normal monitoring,0,-24,90,5,false,Monitor dispersion and breadth
P8155,Hands-off,401k,USD,2025-08-21,276251,19297,256954,1.0,65.7,25.7,0.0,8.6,AMZN:33.3%;IEF:33.3%;VTI:33.3%,US:67.5;EU:9.3;APAC:11.0;EM:8.2;Other:4.1,Value:+0.3;Growth:-0.3;Quality:-0.8;Size:-0.9;Momentum:+0.3;LowVol:-0.5,MaxPos7%;NoDerivatives,5,25,3.9,hard 10%,109,15.9,Sideways,16.4,4.94,2.5,126,56,70,55,false,Rebalance,Shift +1% to bonds from equity,1,-10,BrokerB,VWAP,89,None,None,Normal monitoring,-55,-3,59,3,false,Tighten stops on momentum names
P8156,Active,Roth,USD,2024-11-25,639255,59683,579572,1.0,66.7,19.2,8.0,6.1,VTI:25.0%;BND:25.0%;VNQ:25.0%;GLD:25.0%,US:59.9;EU:18.4;APAC:6.8;EM:11.3;Other:3.7,Value:-0.6;Growth:-0.3;Quality:+0.7;Size:+0.8;Momentum:-0.3;LowVol:-0.5,NoDerivatives,5,35,4.6,hard 12%,137,18.8,Bear,28.1,4.08,1.8,144,-32,27,76,true,Rebalance,Rebalance back to target bands,21,-13,BrokerA,MKT,87,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-36,12,80,3,false,Tighten stops on momentum names
P8157,Hands-off,Trust,USD,2025-08-21,282120,23794,258326,1.0,62.3,19.6,10.6,7.5,AMZN:33.3%;QQQ:33.3%;TLT:33.3%,US:54.6;EU:17.9;APAC:14.4;EM:11.6;Other:1.5,Value:-0.0;Growth:+0.3;Quality:-0.3;Size:+0.8;Momentum:+0.6;LowVol:-0.2,ESGOnly;MaxPos5%,6,30,5.0,trailing 8%,93,16.9,Bear,33.8,3.8,1.3,165,2,51,76,true,Reduce,"Cut high-beta by 2-3%, add cash",16,-27,BrokerA,LMT,85,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-37,-43,-73,4,false,Monitor dispersion and breadth
P8158,Opportunistic,Roth,USD,2025-05-30,1149991,45249,1104742,1.1,67.0,13.5,14.6,4.9,GLD:20.7%;HYG:11.0%;BND:14.2%;IEF:20.7%;VTI:20.5%;TLT:12.9%,US:69.0;EU:6.4;APAC:12.8;EM:8.0;Other:3.8,Value:+0.1;Growth:-0.4;Quality:+0.2;Size:+0.6;Momentum:-0.7;LowVol:-0.9,,7,35,4.0,hard 12%,170,26.5,Bull,17.2,3.82,3.0,79,90,80,47,false,Sell,Trim extended winner -1%,-2,-29,BrokerA,LMT,94,None,None,Normal monitoring,36,-35,57,5,false,Monitor dispersion and breadth
P8159,Cautious,IRA,USD,2025-02-21,209246,20348,188898,1.0,47.2,39.2,2.9,10.8,VTI:25.2%;TLT:29.5%;AMZN:29.5%;MSFT:15.8%,US:61.9;EU:18.4;APAC:7.2;EM:10.3;Other:2.2,Value:-0.0;Growth:+0.8;Quality:-0.2;Size:-0.4;Momentum:-0.6;LowVol:+0.1,ESGOnly;NoMargin,10,25,3.6,trailing 8%,164,15.6,Volatile,28.6,5.48,3.9,117,26,72,69,false,Sell,Trim extended winner -1%,31,10,BrokerD,MKT,89,None,None,Normal monitoring,82,-3,200,5,false,Tax-aware sells next window
P8160,Hands-off,IRA,USD,2025-11-03,444346,31426,412920,1.0,60.7,22.3,9.7,7.3,AMZN:36.4%;VOO:36.4%;XLF:27.1%,US:61.9;EU:17.6;APAC:7.1;EM:10.8;Other:2.7,Value:+0.2;Growth:+0.4;Quality:-0.9;Size:+0.3;Momentum:-0.1;LowVol:-0.1,ESGOnly;MaxPos8%,10,35,5.4,trailing 10%,127,17.9,Volatile,26.2,5.43,3.5,167,5,38,74,true,Reduce,"Cut high-beta by 2-3%, add cash",7,-20,BrokerD,MKT,95,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,72,-25,119,4,false,Tighten stops on momentum names
P8161,Hands-off,IRA,USD,2025-06-21,548438,35780,512658,1.0,56.9,23.4,10.6,9.1,IEF:24.1%;VTI:16.3%;AAPL:11.3%;QQQ:24.1%;HYG:24.1%,US:74.2;EU:8.4;APAC:9.0;EM:4.2;Other:4.1,Value:+0.3;Growth:-0.6;Quality:-0.5;Size:+0.4;Momentum:+0.6;LowVol:0.0,,5,35,5.5,hard 10%,100,17.2,Sideways,15.9,4.02,2.2,123,24,69,39,false,NoAction,Within bands; monitor,21,-24,BrokerC,MKT,0,None,None,Normal monitoring,22,-25,114,5,false,Within IPS guidelines
P8162,Cautious,Trust,USD,2024-07-16,797717,114437,683280,1.0,38.8,33.7,9.8,17.7,MSFT:9.9%;TSLA:14.6%;VTI:14.4%;IEF:19.6%;GLD:19.4%;VOO:22.1%,US:61.2;EU:19.4;APAC:7.8;EM:8.9;Other:2.8,Value:+0.4;Growth:-0.9;Quality:+0.9;Size:+0.7;Momentum:-0.3;LowVol:-0.5,NoMargin,6,25,4.0,trailing 8%,111,18.5,Volatile,25.0,5.48,2.3,164,-33,24,43,false,Hedge,Add TLT +1% as duration hedge,31,4,BrokerD,MKT,97,None,None,Normal monitoring,-20,-21,66,3,false,Increase defensive factor exposure
P8163,Cautious,Roth,USD,2024-09-29,381249,43501,337748,1.0,41.5,40.4,2.0,16.1,BND:33.3%;XLF:33.3%;MUB:33.3%,US:69.2;EU:15.1;APAC:9.7;EM:5.5;Other:0.5,Value:-0.9;Growth:-0.3;Quality:-0.9;Size:-0.3;Momentum:+0.2;LowVol:-0.3,ESGOnly;NoMargin,7,25,4.7,hard 10%,134,12.8,Volatile,29.2,5.34,4.2,145,1,58,66,false,Rebalance,Shift +1% to bonds from equity,13,-36,BrokerA,LMT,98,None,None,Normal monitoring,64,10,201,5,false,Tax-aware sells next window
P8164,Cautious,IRA,USD,2025-12-18,572741,51279,521462,1.0,36.6,41.4,9.4,12.6,XLF:13.8%;MSFT:19.1%;VOO:22.3%;TLT:22.3%;IEF:22.3%,US:70.7;EU:10.6;APAC:9.3;EM:6.0;Other:3.4,Value:-0.7;Growth:-0.8;Quality:+0.2;Size:-0.6;Momentum:+0.4;LowVol:+0.3,MaxPos7%;NoMargin,8,25,5.0,hard 10%,105,13.7,Volatile,31.8,3.98,3.0,142,26,78,73,true,Hedge,Buy index puts 1% notional,17,-23,BrokerB,LMT,91,VAR>budget,Hedge,Risk above budget threshold,67,-20,67,4,false,Tax-aware sells next window
P8165,Opportunistic,Roth,USD,2024-12-12,401419,35543,365876,1.0,63.7,17.2,11.6,7.5,BRK.B:20.4%;TLT:18.4%;XLF:20.4%;VOO:20.4%;IEF:20.4%,US:63.2;EU:14.9;APAC:11.4;EM:7.0;Other:3.5,Value:-0.4;Growth:+0.8;Quality:-0.1;Size:+0.8;Momentum:-0.7;LowVol:-0.7,MaxPos7%,6,30,4.4,hard 12%,224,20.7,Bull,11.1,3.74,2.9,79,51,60,49,false,Sell,Trim extended winner -1%,30,13,BrokerD,MKT,98,None,None,Normal monitoring,0,-6,73,4,false,Within IPS guidelines
P8166,Hands-off,401k,USD,2025-12-06,811137,78407,732730,1.0,64.9,19.1,6.8,9.2,TSLA:19.9%;IEF:13.3%;TLT:23.0%;VNQ:23.0%;XLF:20.8%,US:68.7;EU:13.3;APAC:5.5;EM:9.6;Other:2.9,Value:-0.6;Growth:+0.4;Quality:-0.6;Size:+0.8;Momentum:+0.6;LowVol:-0.5,,10,30,5.0,trailing 10%,113,18.5,Bull,13.4,4.42,2.2,120,61,79,54,false,Hedge,Add TLT +1% as duration hedge,-14,-39,BrokerB,MKT,91,None,None,Normal monitoring,-42,-42,-42,3,false,Monitor dispersion and breadth
P8167,Cautious,IRA,USD,2024-07-21,575319,83079,492240,1.0,41.0,33.6,14.2,11.3,IEF:27.1%;XLF:27.1%;QQQ:18.8%;GLD:27.1%,US:75.4;EU:9.4;APAC:9.3;EM:3.9;Other:1.9,Value:-1.0;Growth:+0.5;Quality:+0.7;Size:+0.5;Momentum:+0.5;LowVol:+0.6,ESGOnly;MaxPos6%;NoDerivatives;NoMargin,8,30,3.1,hard 10%,123,17.1,Volatile,29.5,4.72,4.3,148,9,67,53,true,Hedge,Buy index puts 1% notional,31,15,BrokerD,MKT,97,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-6,11,6,2,false,Tighten stops on momentum names
P8168,Hands-off,IRA,USD,2025-03-15,344117,32396,311721,1.0,70.0,23.4,0.0,6.5,MSFT:7.3%;HYG:13.2%;QQQ:20.6%;XLF:17.7%;BND:20.6%;AAPL:20.6%,US:68.1;EU:11.6;APAC:10.3;EM:8.2;Other:1.7,Value:+0.9;Growth:+0.2;Quality:-0.1;Size:-0.6;Momentum:-0.1;LowVol:-0.9,ESGOnly;NoDerivatives,6,30,5.1,trailing 10%,108,19.2,Bull,17.4,3.53,3.2,102,13,47,62,false,Buy,Add to core equity +1%,17,9,BrokerB,MKT,96,None,None,Normal monitoring,30,-13,121,4,false,Tighten stops on momentum names
P8169,Opportunistic,401k,USD,2025-05-22,856063,63027,793036,1.0,77.7,12.4,4.4,5.5,VTI:22.6%;VNQ:10.3%;VOO:21.9%;HYG:22.6%;MUB:22.6%,US:69.4;EU:7.4;APAC:13.2;EM:8.9;Other:1.0,Value:+0.8;Growth:+0.6;Quality:-0.0;Size:+0.9;Momentum:-0.2;LowVol:-0.2,MaxPos7%,10,30,4.4,trailing 9%,177,26.6,Volatile,24.9,4.86,2.4,115,-39,38,80,true,Rebalance,Rebalance back to target bands,25,-8,BrokerC,MKT,86,RegimeShift,Hedge,Volatility spike and breadth deterioration,104,-19,115,5,false,Monitor dispersion and breadth
P8170,Systematic,401k,USD,2025-04-14,1700852,82503,1618349,1.0,64.2,27.3,0.0,8.6,VTI:15.3%;IEF:20.5%;VNQ:9.7%;BND:17.1%;MSFT:16.8%;AMZN:20.5%,US:81.2;EU:6.1;APAC:5.6;EM:3.4;Other:3.7,Value:+0.4;Growth:-0.9;Quality:-0.4;Size:-0.6;Momentum:-0.8;LowVol:-0.8,MaxPos5%,5,25,4.2,hard 12%,190,17.9,Bull,13.3,4.82,2.5,96,22,68,37,false,Rebalance,Shift +1% to bonds from equity,20,-20,BrokerA,MKT,89,None,None,Normal monitoring,-12,-60,-24,3,false,Increase defensive factor exposure
P8171,Systematic,IRA,USD,2025-01-26,1826101,147769,1678332,1.0,67.2,20.5,2.8,9.4,QQQ:34.7%;HYG:30.6%;VTI:34.7%,US:62.8;EU:17.8;APAC:10.0;EM:9.0;Other:0.4,Value:+0.6;Growth:-0.3;Quality:-0.0;Size:-0.2;Momentum:+0.2;LowVol:-0.9,,8,35,5.0,trailing 8%,186,22.5,Bull,17.2,4.83,2.7,90,95,89,56,false,Sell,Trim extended winner -1%,12,-36,BrokerB,LMT,94,None,None,Normal monitoring,-1,10,52,5,false,Increase defensive factor exposure
P8172,Systematic,Taxable,USD,2025-08-17,1279288,62530,1216758,1.0,65.1,25.5,0.0,9.4,HYG:25.9%;VOO:22.2%;VNQ:25.9%;GLD:25.9%,US:61.7;EU:13.1;APAC:13.1;EM:8.3;Other:3.7,Value:-0.5;Growth:-0.5;Quality:+0.9;Size:-0.8;Momentum:-0.4;LowVol:-0.2,NoDerivatives,7,30,5.2,trailing 9%,173,21.8,Sideways,17.7,4.33,2.1,136,-30,50,50,false,Buy,Add to core equity +1%,-10,-23,BrokerB,LMT,88,None,None,Normal monitoring,79,10,75,3,false,Tax-aware sells next window
P8173,Cautious,Taxable,USD,2025-04-20,580891,48298,532593,1.0,48.6,35.1,0.0,16.3,AMZN:25.0%;XLF:13.8%;MSFT:11.3%;VNQ:25.0%;BRK.B:25.0%,US:69.6;EU:7.9;APAC:8.2;EM:13.4;Other:1.0,Value:-0.6;Growth:+0.1;Quality:-0.1;Size:-0.7;Momentum:0.0;LowVol:-0.0,ESGOnly;NoMargin,7,30,6.0,hard 10%,111,15.8,Volatile,24.6,4.24,2.4,166,78,94,53,false,Sell,Trim extended winner -1%,33,11,BrokerC,MKT,99,None,None,Normal monitoring,-15,-9,16,4,false,Tighten stops on momentum names
P8174,Active,Taxable,USD,2025-06-09,1064698,92154,972544,1.0,63.6,29.9,0.0,6.5,BRK.B:33.3%;BND:33.3%;AMZN:33.3%,US:61.7;EU:19.7;APAC:8.1;EM:8.1;Other:2.5,Value:+0.8;Growth:+0.6;Quality:+0.3;Size:-0.2;Momentum:+0.7;LowVol:-0.6,MaxPos6%,8,25,5.5,hard 12%,127,21.6,Bear,33.6,4.24,1.3,220,-53,22,75,true,Reduce,"Cut high-beta by 2-3%, add cash",19,6,BrokerC,LMT,98,Drift>tolerance,Reduce,Allocation drift beyond policy bands,38,-23,131,5,false,Within IPS guidelines
P8175,Active,401k,USD,2025-08-18,642867,70783,572084,1.0,61.4,25.8,3.3,9.4,BND:21.6%;IEF:21.6%;VNQ:14.9%;GLD:21.6%;AMZN:20.3%,US:64.6;EU:14.7;APAC:10.9;EM:7.6;Other:2.2,Value:+0.6;Growth:-0.6;Quality:+0.1;Size:+0.6;Momentum:+0.4;LowVol:+0.1,NoDerivatives,5,25,4.3,trailing 8%,215,18.6,Bear,24.1,3.4,2.1,134,-21,28,68,false,Buy,Add to core equity +1%,19,-19,BrokerB,MKT,89,None,None,Normal monitoring,-36,-26,72,4,false,Tax-aware sells next window
P8176,Systematic,Trust,USD,2024-09-01,1728158,158534,1569624,1.0,60.9,25.9,8.1,5.1,VTI:35.3%;TSLA:29.3%;VOO:35.3%,US:70.4;EU:7.0;APAC:11.2;EM:10.4;Other:1.1,Value:-0.7;Growth:-0.8;Quality:-0.9;Size:-0.7;Momentum:+0.1;LowVol:-0.6,NoDerivatives,7,30,4.3,trailing 8%,146,20.2,Volatile,22.5,5.17,2.9,158,64,93,70,false,Rebalance,Shift +1% to bonds from equity,19,-16,BrokerB,LMT,94,None,None,Normal monitoring,-41,-24,-47,5,false,Increase defensive factor exposure
P8177,Systematic,401k,USD,2025-12-06,1359137,111560,1247577,1.0,64.4,30.3,0.0,5.3,AAPL:33.3%;VOO:33.3%;BND:33.3%,US:56.0;EU:16.8;APAC:15.2;EM:8.1;Other:4.0,Value:-0.5;Growth:-0.5;Quality:-0.4;Size:+1.0;Momentum:-0.7;LowVol:+0.1,,5,25,4.2,hard 12%,221,21.9,Bull,13.8,3.79,2.9,99,57,65,53,false,Buy,Add to core equity +1%,6,-26,BrokerA,MKT,94,None,None,Normal monitoring,7,-5,-27,4,false,Tax-aware sells next window
P8178,Cautious,401k,USD,2025-11-10,882320,80079,802241,1.0,35.8,35.1,11.4,17.7,MSFT:27.1%;IEF:27.1%;QQQ:27.1%;XLF:18.7%,US:72.6;EU:16.0;APAC:7.7;EM:2.8;Other:0.9,Value:-0.3;Growth:+0.4;Quality:+1.0;Size:-0.2;Momentum:-0.6;LowVol:-0.7,MaxPos8%;NoMargin,6,30,5.8,trailing 8%,121,14.4,Volatile,21.1,5.41,3.9,124,45,61,43,true,Reduce,"Cut high-beta by 2-3%, add cash",23,-38,BrokerC,LMT,98,RegimeShift,Reduce,Volatility spike and breadth deterioration,-11,-54,-51,3,false,Within IPS guidelines
P8179,Systematic,401k,USD,2024-10-12,547322,44309,503013,1.0,59.2,23.7,11.2,5.9,BND:25.9%;XLF:22.2%;TLT:25.9%;MSFT:25.9%,US:69.6;EU:11.4;APAC:5.0;EM:9.6;Other:4.4,Value:+0.2;Growth:+0.7;Quality:-0.0;Size:-0.9;Momentum:0.0;LowVol:+0.2,MaxPos7%;NoDerivatives,7,35,5.9,trailing 9%,162,27.5,Sideways,20.1,4.65,3.0,97,-15,36,55,false,Hedge,Add TLT +1% as duration hedge,-13,9,BrokerB,MKT,93,None,None,Normal monitoring,-56,-17,22,4,false,Increase defensive factor exposure
P8180,Hands-off,401k,USD,2025-07-28,234008,19473,214535,1.0,72.2,21.9,0.5,5.3,MUB:28.3%;MSFT:15.0%;TSLA:28.3%;HYG:28.3%,US:74.9;EU:9.5;APAC:5.6;EM:5.5;Other:4.4,Value:+0.1;Growth:+0.6;Quality:+0.5;Size:-0.9;Momentum:+0.5;LowVol:-1.0,ESGOnly;NoDerivatives,7,30,3.0,trailing 8%,158,16.8,Volatile,23.1,4.0,2.1,113,-21,29,70,false,Sell,Trim extended winner -1%,-4,0,BrokerD,MKT,90,None,None,Normal monitoring,-7,-34,40,3,false,Monitor dispersion and breadth
P8181,Active,IRA,USD,2024-07-17,1756614,191020,1565594,1.0,61.8,27.6,5.3,5.2,MSFT:25.3%;XLF:25.3%;AAPL:24.2%;VTI:25.3%,US:64.8;EU:16.4;APAC:6.6;EM:6.6;Other:5.6,Value:+0.4;Growth:+0.1;Quality:-0.3;Size:+0.9;Momentum:-0.0;LowVol:-0.7,MaxPos7%,7,35,4.6,trailing 9%,154,18.1,Bull,13.5,5.0,3.0,70,103,100,46,false,Sell,Trim extended winner -1%,4,-38,BrokerA,MKT,91,None,None,Normal monitoring,24,-25,67,4,false,Within IPS guidelines
P8182,Cautious,401k,USD,2025-10-12,587785,65110,522675,1.0,49.5,36.9,0.0,13.5,BRK.B:25.8%;MUB:25.8%;TSLA:22.7%;IEF:25.8%,US:72.4;EU:5.4;APAC:13.6;EM:5.3;Other:3.2,Value:-0.7;Growth:+0.4;Quality:-0.6;Size:+0.1;Momentum:-0.0;LowVol:+0.2,ESGOnly;NoMargin,5,30,3.5,trailing 8%,117,14.5,Sideways,18.9,3.92,2.4,114,-24,42,55,false,Rebalance,Shift +1% to bonds from equity,0,-1,BrokerA,VWAP,100,None,None,Normal monitoring,-50,-6,85,4,false,Increase defensive factor exposure
P8183,Systematic,Trust,USD,2025-08-28,938329,42266,896063,1.0,58.1,25.9,10.9,5.2,TSLA:26.5%;QQQ:26.5%;IEF:26.5%;BRK.B:20.6%,US:59.2;EU:14.0;APAC:12.7;EM:10.7;Other:3.4,Value:-0.2;Growth:-0.9;Quality:+0.9;Size:-0.2;Momentum:+0.2;LowVol:+0.4,NoDerivatives,8,30,4.4,hard 12%,198,17.2,Sideways,18.3,4.83,3.5,118,46,62,48,true,Hedge,Buy index puts 1% notional,6,-28,BrokerA,VWAP,99,VAR>budget,TightenStops,Risk above budget threshold,35,-20,156,5,false,Within IPS guidelines
P8184,Active,401k,USD,2025-01-21,2067474,193932,1873542,1.0,68.1,21.2,3.2,7.5,VNQ:27.3%;TSLA:18.1%;XLF:27.3%;VOO:27.3%,US:62.9;EU:15.2;APAC:13.8;EM:5.1;Other:2.9,Value:-0.4;Growth:-0.2;Quality:+0.6;Size:-0.8;Momentum:-0.3;LowVol:+0.9,MaxPos7%;NoDerivatives,8,25,5.2,trailing 9%,168,18.7,Bear,34.9,4.36,1.4,173,27,71,92,true,Reduce,"Cut high-beta by 2-3%, add cash",27,-39,BrokerD,VWAP,87,VAR>budget,Hedge,Risk above budget threshold,78,-21,85,4,false,Tighten stops on momentum names
P8185,Active,Roth,USD,2024-09-10,2288427,268934,2019493,1.07,55.1,31.3,6.9,6.7,QQQ:17.3%;VTI:17.9%;VOO:20.5%;VNQ:22.2%;BND:22.2%,US:61.2;EU:15.4;APAC:10.3;EM:9.1;Other:4.0,Value:+1.0;Growth:+0.7;Quality:-0.6;Size:+0.3;Momentum:+0.9;LowVol:-0.0,MaxPos5%,5,35,5.3,trailing 9%,125,20.5,Sideways,14.8,4.91,2.2,130,14,61,38,true,Rebalance,Rebalance back to target bands,-10,11,BrokerB,MKT,93,Drift>tolerance,Hedge,Allocation drift beyond policy bands,30,-51,161,2,false,Monitor dispersion and breadth
P8186,Active,Trust,USD,2024-10-05,1929732,166854,1762878,1.11,52.6,30.7,10.3,6.5,IEF:25.5%;GLD:25.5%;AAPL:22.6%;TSLA:11.7%;BND:14.7%,US:63.4;EU:13.2;APAC:11.3;EM:7.5;Other:4.6,Value:0.0;Growth:-0.1;Quality:+0.1;Size:-0.9;Momentum:-0.2;LowVol:-0.1,MaxPos6%;NoDerivatives,10,25,4.1,hard 12%,228,22.3,Bull,16.8,4.6,2.5,94,39,71,50,false,Rebalance,Shift +1% to bonds from equity,31,-4,BrokerB,VWAP,99,None,None,Normal monitoring,81,9,219,5,false,Monitor dispersion and breadth
P8187,Cautious,Trust,USD,2024-09-14,796023,78103,717920,1.0,51.9,35.6,0.0,12.4,BND:33.3%;BRK.B:33.3%;AAPL:33.3%,US:77.4;EU:10.9;APAC:7.0;EM:3.2;Other:1.4,Value:+1.0;Growth:-0.4;Quality:0.0;Size:+0.3;Momentum:+0.6;LowVol:+0.7,ESGOnly;MaxPos5%;NoMargin,8,25,4.0,trailing 10%,159,15.6,Bull,14.8,4.39,2.8,94,116,100,45,false,Buy,Add to core equity +1%,-11,-1,BrokerC,VWAP,98,None,None,Normal monitoring,112,8,126,5,false,Increase defensive factor exposure
P8188,Cautious,IRA,USD,2024-07-17,621591,85396,536195,1.0,37.7,36.9,12.2,13.2,AMZN:25.0%;BND:25.0%;AAPL:25.0%;IEF:25.0%,US:60.0;EU:13.8;APAC:12.5;EM:10.3;Other:3.4,Value:-0.8;Growth:-0.0;Quality:-0.9;Size:-0.2;Momentum:-0.9;LowVol:-0.0,ESGOnly;MaxPos6%;NoMargin,10,30,3.6,hard 10%,167,13.4,Sideways,20.6,3.78,3.2,133,7,50,42,false,Hedge,Add TLT +1% as duration hedge,-2,-13,BrokerA,MKT,94,None,None,Normal monitoring,68,-54,145,4,false,Within IPS guidelines
P8189,Cautious,Roth,USD,2025-02-14,636114,62513,573601,1.0,47.9,38.0,0.0,14.1,VTI:33.3%;AAPL:33.3%;QQQ:33.3%,US:69.3;EU:13.6;APAC:9.5;EM:4.1;Other:3.6,Value:-0.1;Growth:+0.9;Quality:+0.2;Size:-0.6;Momentum:-0.2;LowVol:-0.6,ESGOnly;NoDerivatives;NoMargin,8,25,5.9,trailing 8%,96,16.9,Sideways,14.4,4.87,3.3,137,-5,40,41,false,Sell,Trim extended winner -1%,32,14,BrokerC,MKT,100,None,None,Normal monitoring,-40,-53,-52,5,false,Increase defensive factor exposure
P8190,Opportunistic,IRA,USD,2024-12-27,352699,23590,329109,1.12,63.8,17.0,13.6,5.6,BND:33.3%;MSFT:33.3%;VNQ:33.3%,US:65.0;EU:11.8;APAC:11.2;EM:9.7;Other:2.4,Value:-0.9;Growth:-0.0;Quality:-0.2;Size:+0.3;Momentum:-0.6;LowVol:-0.2,,6,25,6.3,hard 12%,222,29.5,Bull,15.0,3.82,3.0,71,10,41,42,false,Rebalance,Shift +1% to bonds from equity,29,-33,BrokerD,LMT,98,None,None,Normal monitoring,116,-54,106,5,false,Increase defensive factor exposure
P8191,Opportunistic,IRA,USD,2024-12-15,1579273,100465,1478808,1.0,73.5,12.0,9.0,5.4,TLT:21.0%;VTI:23.1%;BRK.B:23.1%;HYG:23.1%;MUB:9.7%,US:68.6;EU:7.6;APAC:13.0;EM:7.3;Other:3.5,Value:+0.9;Growth:+0.6;Quality:-0.6;Size:+0.9;Momentum:-0.2;LowVol:+0.3,MaxPos8%,6,25,6.1,trailing 7%,248,23.2,Volatile,20.5,3.87,4.5,176,10,58,61,false,Rebalance,Shift +1% to bonds from equity,17,-29,BrokerA,VWAP,89,None,None,Normal monitoring,0,-58,-32,5,false,Monitor dispersion and breadth
P8192,Hands-off,Taxable,USD,2024-11-10,379759,16921,362838,1.0,68.7,24.6,0.0,6.7,GLD:24.4%;AAPL:10.6%;TLT:24.4%;IEF:18.4%;MUB:22.2%,US:62.3;EU:8.9;APAC:11.9;EM:12.3;Other:4.6,Value:+1.0;Growth:+0.3;Quality:-0.6;Size:+0.4;Momentum:+0.8;LowVol:-0.8,ESGOnly;NoDerivatives,10,35,3.2,trailing 10%,160,13.5,Volatile,24.5,4.78,3.8,137,47,84,66,false,Buy,Add to core equity +1%,-5,-33,BrokerC,LMT,85,None,None,Normal monitoring,109,-20,198,4,false,Increase defensive factor exposure
P8193,Active,Trust,USD,2025-03-09,1086518,88774,997744,1.0,65.6,21.8,6.8,5.8,HYG:33.3%;AMZN:33.3%;VOO:33.3%,US:64.6;EU:10.5;APAC:13.7;EM:9.2;Other:1.9,Value:+0.5;Growth:-0.4;Quality:-0.6;Size:-0.7;Momentum:+0.9;LowVol:-0.6,MaxPos8%,8,25,4.8,hard 12%,204,18.8,Volatile,24.8,5.44,3.2,126,56,91,59,false,Rebalance,Shift +1% to bonds from equity,5,-27,BrokerA,LMT,100,None,None,Normal monitoring,93,-41,221,4,false,Increase defensive factor exposure
P8194,Cautious,401k,USD,2024-07-16,593277,47703,545574,1.0,44.9,40.6,0.0,14.6,AMZN:22.0%;TLT:26.0%;BND:26.0%;BRK.B:26.0%,US:62.7;EU:14.4;APAC:11.7;EM:10.8;Other:0.5,Value:+0.7;Growth:-0.9;Quality:-1.0;Size:+1.0;Momentum:+0.2;LowVol:+0.2,ESGOnly;MaxPos8%;NoMargin,6,30,5.9,trailing 8%,127,17.0,Volatile,25.2,5.31,3.0,112,0,36,50,true,Reduce,"Cut high-beta by 2-3%, add cash",-6,13,BrokerC,MKT,94,RegimeShift,Hedge,Volatility spike and breadth deterioration,-24,-4,99,5,true,Tax-aware sells next window
P8195,Systematic,Trust,USD,2025-12-07,897076,78659,818417,1.0,59.0,26.0,7.8,7.1,VOO:21.2%;QQQ:21.2%;XLF:20.2%;TSLA:21.2%;AMZN:16.2%,US:62.8;EU:16.6;APAC:7.0;EM:9.1;Other:4.5,Value:-0.1;Growth:-0.2;Quality:+0.3;Size:+0.4;Momentum:+0.8;LowVol:0.0,,5,25,4.3,hard 12%,217,19.5,Sideways,17.5,4.57,2.8,127,56,66,41,false,Buy,Add to core equity +1%,13,3,BrokerA,LMT,99,None,None,Normal monitoring,43,3,64,5,false,Increase defensive factor exposure
P8196,Hands-off,IRA,USD,2024-08-20,676495,40417,636078,1.0,63.2,22.8,8.8,5.3,QQQ:12.9%;MUB:20.1%;AAPL:18.1%;TLT:20.2%;VNQ:15.6%;IEF:13.1%,US:64.5;EU:11.4;APAC:15.0;EM:4.5;Other:4.5,Value:-0.2;Growth:-0.4;Quality:-0.1;Size:+0.2;Momentum:-0.8;LowVol:-0.5,ESGOnly,10,35,4.5,trailing 8%,125,17.8,Sideways,20.0,4.79,3.1,132,11,63,65,false,Hedge,Add TLT +1% as duration hedge,24,-7,BrokerB,MKT,97,None,None,Normal monitoring,100,-36,205,5,false,Within IPS guidelines
P8197,Hands-off,401k,USD,2025-04-30,539043,39998,499045,1.0,57.2,26.4,10.6,5.8,QQQ:9.7%;MSFT:11.1%;HYG:13.2%;BND:23.2%;XLF:23.2%;VTI:19.6%,US:71.2;EU:5.7;APAC:12.6;EM:6.8;Other:3.7,Value:+0.8;Growth:-0.6;Quality:-0.5;Size:-0.5;Momentum:+0.5;LowVol:+0.7,,8,30,5.3,trailing 10%,93,17.8,Bull,16.5,4.29,2.2,84,71,89,55,false,Rebalance,Shift +1% to bonds from equity,-9,12,BrokerC,MKT,95,None,None,Normal monitoring,64,-26,180,4,false,Increase defensive factor exposure
P8198,Active,Roth,USD,2024-11-11,918390,101204,817186,1.0,56.7,30.2,7.6,5.6,BND:21.3%;IEF:16.3%;VTI:19.8%;XLF:21.3%;VNQ:21.3%,US:67.8;EU:15.9;APAC:7.3;EM:6.5;Other:2.5,Value:+0.7;Growth:+0.2;Quality:+0.7;Size:+0.8;Momentum:-0.3;LowVol:+0.8,MaxPos6%,7,35,4.9,hard 12%,230,26.7,Sideways,19.4,3.91,2.2,106,15,67,44,false,Rebalance,Shift +1% to bonds from equity,13,-20,BrokerB,LMT,92,None,None,Normal monitoring,77,-47,84,3,false,Tighten stops on momentum names
P8199,Hands-off,Taxable,USD,2024-11-22,235404,13463,221941,1.0,62.4,28.0,3.1,6.5,MUB:21.5%;HYG:17.0%;TLT:12.0%;TSLA:21.7%;MSFT:16.5%;QQQ:11.3%,US:62.6;EU:20.4;APAC:10.2;EM:5.7;Other:1.2,Value:-0.4;Growth:-0.1;Quality:-1.0;Size:-0.3;Momentum:-0.0;LowVol:-0.9,ESGOnly;MaxPos8%,10,30,4.7,trailing 8%,158,14.3,Volatile,30.4,4.82,4.4,164,71,88,80,true,Reduce,"Cut high-beta by 2-3%, add cash",4,15,BrokerD,VWAP,90,VAR>budget,TightenStops,Risk above budget threshold,120,-10,129,4,false,Tax-aware sells next window
P8200,Opportunistic,401k,USD,2025-04-28,825363,58746,766617,1.0,65.0,21.1,9.1,4.7,XLF:11.9%;AAPL:10.7%;MUB:20.8%;BND:20.8%;QQQ:20.8%;TLT:14.9%,US:67.6;EU:17.1;APAC:7.1;EM:5.9;Other:2.3,Value:+0.2;Growth:-0.1;Quality:-0.1;Size:+0.3;Momentum:+0.2;LowVol:+0.7,NoDerivatives,8,30,6.6,hard 12%,180,32.3,Sideways,21.0,4.92,3.2,101,47,85,51,false,Sell,Trim extended winner -1%,12,-36,BrokerD,LMT,87,None,None,Normal monitoring,71,-14,186,5,false,Increase defensive factor exposure
P8201,Opportunistic,Taxable,USD,2025-03-06,333220,11537,321683,1.18,63.8,16.3,15.5,4.4,QQQ:18.7%;BND:29.0%;HYG:23.3%;MSFT:29.0%,US:66.3;EU:12.5;APAC:6.2;EM:14.0;Other:0.9,Value:-0.4;Growth:-0.7;Quality:-0.7;Size:-0.4;Momentum:-0.2;LowVol:+0.2,MaxPos6%,8,30,5.0,trailing 9%,192,21.4,Bear,22.5,3.38,1.4,207,-1,36,62,false,Buy,Add to core equity +1%,2,-39,BrokerC,MKT,95,None,None,Normal monitoring,-53,-35,18,4,false,Increase defensive factor exposure
P8202,Hands-off,Trust,USD,2024-08-26,173509,7866,165643,1.0,71.6,21.5,1.6,5.3,MSFT:24.9%;VOO:10.4%;XLF:24.9%;VTI:15.0%;BND:24.9%,US:63.0;EU:16.5;APAC:7.7;EM:10.1;Other:2.8,Value:-0.4;Growth:+0.8;Quality:+0.5;Size:-0.0;Momentum:+0.5;LowVol:+0.2,ESGOnly,10,35,3.1,trailing 8%,91,13.6,Volatile,31.2,3.61,2.4,148,21,51,95,true,Hedge,Buy index puts 1% notional,21,0,BrokerB,VWAP,95,RegimeShift,TightenStops,Volatility spike and breadth deterioration,-10,-53,-36,5,false,Monitor dispersion and breadth
P8203,Active,Trust,USD,2025-11-22,2187429,178778,2008651,1.0,61.9,24.5,6.5,7.1,BND:13.8%;XLF:19.3%;MUB:9.8%;VNQ:20.9%;AAPL:20.9%;VOO:15.3%,US:56.0;EU:17.4;APAC:15.4;EM:7.3;Other:3.8,Value:-0.7;Growth:-0.5;Quality:+0.1;Size:-0.2;Momentum:+0.1;LowVol:-0.7,,8,30,5.2,trailing 9%,176,18.2,Sideways,19.2,4.75,3.1,139,16,66,63,false,Buy,Add to core equity +1%,35,-13,BrokerA,VWAP,96,None,None,Normal monitoring,92,-19,144,4,false,Monitor dispersion and breadth
P8204,Cautious,IRA,USD,2025-10-02,892858,96649,796209,1.0,48.2,38.7,0.8,12.3,HYG:14.1%;GLD:22.9%;QQQ:22.1%;VNQ:22.9%;XLF:17.9%,US:69.1;EU:9.7;APAC:13.4;EM:3.8;Other:3.9,Value:+0.3;Growth:-0.4;Quality:-0.5;Size:+0.2;Momentum:-0.8;LowVol:+0.5,ESGOnly;NoDerivatives;NoMargin,7,25,5.3,trailing 10%,145,13.0,Bull,17.5,4.6,3.1,79,63,87,44,false,Buy,Add to core equity +1%,2,-32,BrokerD,MKT,96,None,None,Normal monitoring,81,2,208,5,false,Tighten stops on momentum names
P8205,Active,Trust,USD,2024-12-15,1181690,86159,1095531,1.0,57.8,19.5,16.0,6.7,MSFT:25.6%;AMZN:25.6%;XLF:23.1%;VTI:25.6%,US:69.3;EU:15.6;APAC:5.3;EM:6.9;Other:2.9,Value:-0.2;Growth:+0.7;Quality:+0.3;Size:+0.8;Momentum:-0.1;LowVol:+0.1,,8,35,4.9,hard 12%,151,24.3,Bull,17.9,4.52,3.1,95,22,67,44,false,Buy,Add to core equity +1%,-14,-6,BrokerB,LMT,87,None,None,Normal monitoring,-15,-1,51,5,false,Tighten stops on momentum names
P8206,Hands-off,Taxable,USD,2025-07-18,232950,10968,221982,1.0,65.8,17.2,7.1,9.9,MUB:21.8%;BRK.B:21.8%;HYG:11.3%;QQQ:10.5%;VOO:18.2%;AAPL:16.4%,US:65.9;EU:7.5;APAC:15.6;EM:7.4;Other:3.5,Value:+0.3;Growth:+0.7;Quality:-0.8;Size:-0.8;Momentum:-0.2;LowVol:+0.8,ESGOnly;MaxPos6%,10,35,5.6,hard 10%,101,19.6,Bull,13.7,4.91,3.4,91,2,43,37,false,Sell,Trim extended winner -1%,22,-38,BrokerC,MKT,88,None,None,Normal monitoring,54,-25,74,3,false,Monitor dispersion and breadth
P8207,Systematic,Roth,USD,2024-11-05,1868048,156524,1711524,1.0,63.4,31.7,0.0,4.9,VNQ:17.0%;TLT:29.1%;XLF:29.1%;IEF:24.8%,US:64.8;EU:13.6;APAC:12.4;EM:4.6;Other:4.6,Value:-0.3;Growth:-0.3;Quality:+0.8;Size:+0.6;Momentum:-0.4;LowVol:-0.6,,6,35,4.7,trailing 8%,174,23.8,Sideways,21.8,4.87,3.4,138,8,52,70,false,Hedge,Add TLT +1% as duration hedge,27,-19,BrokerA,LMT,96,None,None,Normal monitoring,101,-15,107,4,false,Tax-aware sells next window
P8208,Cautious,401k,USD,2024-12-10,671788,86915,584873,1.0,35.6,35.7,14.3,14.4,BRK.B:33.3%;HYG:33.3%;TSLA:33.3%,US:58.2;EU:12.7;APAC:12.0;EM:12.2;Other:4.9,Value:+0.6;Growth:+0.2;Quality:+0.8;Size:-0.4;Momentum:+0.1;LowVol:-0.8,NoMargin,6,25,5.8,trailing 10%,145,17.0,Volatile,22.0,4.09,3.4,126,-36,47,35,false,Rebalance,Shift +1% to bonds from equity,33,-40,BrokerA,VWAP,95,None,None,Normal monitoring,98,12,209,5,false,Tax-aware sells next window
P8209,Cautious,Trust,USD,2024-11-13,800763,82216,718547,1.0,37.5,31.6,13.1,17.8,TSLA:33.3%;AMZN:33.3%;BRK.B:33.3%,US:65.3;EU:10.3;APAC:17.9;EM:5.8;Other:0.7,Value:+0.5;Growth:+0.6;Quality:-0.4;Size:+0.1;Momentum:-0.8;LowVol:-0.1,ESGOnly;MaxPos8%;NoDerivatives;NoMargin,7,25,5.3,trailing 8%,121,17.8,Sideways,21.2,4.73,2.1,138,-5,57,40,false,Hedge,Add TLT +1% as duration hedge,6,-3,BrokerB,MKT,90,None,None,Normal monitoring,20,-20,79,3,false,Monitor dispersion and breadth
P8210,Systematic,IRA,USD,2025-05-04,797346,69595,727751,1.0,66.6,21.8,6.6,5.1,VOO:14.6%;AAPL:17.4%;BND:13.6%;HYG:11.5%;VTI:21.5%;QQQ:21.5%,US:74.3;EU:12.8;APAC:5.3;EM:5.3;Other:2.3,Value:-0.8;Growth:+0.4;Quality:+0.8;Size:+0.6;Momentum:-0.0;LowVol:+0.3,,10,30,5.3,trailing 9%,147,22.9,Bull,17.8,4.04,2.0,118,83,86,50,false,Sell,Trim extended winner -1%,25,15,BrokerB,LMT,93,None,None,Normal monitoring,34,-16,45,3,false,Tax-aware sells next window
P8211,Hands-off,Trust,USD,2025-02-19,245698,16194,229504,1.0,68.1,16.2,6.2,9.4,VOO:33.3%;VNQ:33.3%;BRK.B:33.3%,US:71.6;EU:13.1;APAC:9.7;EM:3.0;Other:2.5,Value:-0.1;Growth:-0.7;Quality:-0.2;Size:-0.9;Momentum:+0.2;LowVol:+0.4,ESGOnly,5,30,5.7,hard 10%,120,12.8,Volatile,26.1,4.04,3.4,146,50,71,66,true,Reduce,"Cut high-beta by 2-3%, add cash",32,-37,BrokerA,MKT,96,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-60,-23,27,5,false,Increase defensive factor exposure
P8212,Opportunistic,Taxable,USD,2024-07-21,686536,36526,650010,1.0,60.2,19.8,14.3,5.7,BND:25.0%;AAPL:25.0%;HYG:25.0%;VNQ:25.0%,US:66.1;EU:6.8;APAC:14.6;EM:8.0;Other:4.5,Value:+0.1;Growth:+0.8;Quality:-0.5;Size:-0.9;Momentum:+0.3;LowVol:-0.5,MaxPos8%;NoDerivatives,8,30,6.4,hard 12%,245,26.9,Bull,16.5,4.39,3.4,89,108,100,42,false,Rebalance,Shift +1% to bonds from equity,5,-40,BrokerD,MKT,100,None,None,Normal monitoring,-32,-15,47,5,false,Monitor dispersion and breadth
P8213,Cautious,401k,USD,2025-03-23,627036,86038,540998,1.0,43.7,37.4,6.7,12.3,MSFT:21.8%;VOO:21.8%;AMZN:17.9%;BND:16.7%;XLF:21.8%,US:69.4;EU:15.0;APAC:7.7;EM:6.9;Other:1.0,Value:-0.6;Growth:-0.1;Quality:-0.3;Size:-0.8;Momentum:+0.8;LowVol:-0.4,MaxPos5%;NoMargin,6,35,5.6,trailing 8%,128,14.9,Bear,27.5,3.33,2.5,155,-26,45,69,false,Rebalance,Shift +1% to bonds from equity,6,-5,BrokerD,VWAP,98,None,None,Normal monitoring,23,-57,61,4,false,Increase defensive factor exposure
P8214,Cautious,IRA,USD,2024-12-18,266997,42280,224717,1.0,47.9,39.0,0.0,13.1,XLF:22.7%;VNQ:20.6%;MSFT:11.3%;TLT:22.7%;QQQ:22.7%,US:63.4;EU:14.9;APAC:10.1;EM:6.3;Other:5.4,Value:+0.3;Growth:-0.3;Quality:-0.3;Size:+0.2;Momentum:-0.2;LowVol:+0.5,NoMargin,10,25,3.3,trailing 8%,93,13.4,Bull,13.2,3.76,3.4,90,37,80,43,false,Buy,Add to core equity +1%,-4,1,BrokerC,MKT,96,None,None,Normal monitoring,-58,-18,-13,3,false,Within IPS guidelines
P8215,Cautious,Roth,USD,2025-04-01,732545,89417,643128,1.0,47.6,35.0,0.4,17.0,BRK.B:33.3%;XLF:33.3%;GLD:33.3%,US:68.4;EU:8.6;APAC:10.0;EM:9.1;Other:4.0,Value:-0.7;Growth:+0.5;Quality:-0.1;Size:+0.4;Momentum:+0.3;LowVol:+0.2,ESGOnly;NoMargin,10,25,4.2,trailing 10%,123,18.6,Bull,15.4,4.59,2.1,91,35,65,37,false,Rebalance,Shift +1% to bonds from equity,16,12,BrokerC,VWAP,92,None,None,Normal monitoring,18,12,-17,3,false,Tighten stops on momentum names
P8216,Hands-off,Trust,USD,2025-03-02,574424,44833,529591,1.0,72.5,22.5,0.0,5.0,IEF:24.2%;VTI:24.2%;VNQ:24.2%;MSFT:17.8%;BND:9.6%,US:67.4;EU:10.7;APAC:11.7;EM:9.7;Other:0.4,Value:+0.9;Growth:-0.4;Quality:-0.2;Size:-0.8;Momentum:-0.0;LowVol:-0.2,,7,25,3.1,trailing 8%,115,12.4,Bull,14.6,4.62,2.3,80,15,51,56,false,Sell,Trim extended winner -1%,23,-23,BrokerC,MKT,95,None,None,Normal monitoring,-5,-21,62,5,false,Increase defensive factor exposure
P8217,Cautious,Roth,USD,2025-10-22,267920,24178,243742,1.0,38.6,36.4,8.5,16.5,GLD:33.3%;MUB:33.3%;TLT:33.3%,US:65.4;EU:14.6;APAC:11.5;EM:5.9;Other:2.6,Value:+0.1;Growth:+0.8;Quality:+0.2;Size:+0.8;Momentum:-0.6;LowVol:+0.8,NoMargin,8,25,4.1,trailing 10%,139,12.2,Volatile,27.8,4.17,3.8,119,-53,27,63,false,Sell,Trim extended winner -1%,29,-24,BrokerA,MKT,98,None,None,Normal monitoring,-20,13,19,4,false,Tighten stops on momentum names
P8218,Cautious,IRA,USD,2024-07-31,546439,51565,494874,1.0,49.5,34.9,0.0,15.6,HYG:25.0%;AAPL:25.0%;IEF:25.0%;TLT:25.0%,US:69.1;EU:17.0;APAC:7.2;EM:6.3;Other:0.4,Value:-0.8;Growth:+0.8;Quality:-0.4;Size:-0.9;Momentum:+0.6;LowVol:-0.2,ESGOnly;NoMargin,10,25,4.3,hard 10%,151,16.3,Sideways,21.4,4.52,3.4,107,48,67,52,true,Rebalance,Rebalance back to target bands,13,4,BrokerD,MKT,87,VAR>budget,Reduce,Risk above budget threshold,-3,12,18,4,false,Monitor dispersion and breadth
P8219,Cautious,Taxable,USD,2025-01-03,541234,44388,496846,1.0,48.1,38.7,0.0,13.2,VTI:33.3%;TSLA:33.3%;BND:33.3%,US:68.3;EU:19.6;APAC:6.8;EM:3.5;Other:1.8,Value:-0.8;Growth:-0.2;Quality:+0.9;Size:+0.6;Momentum:-0.6;LowVol:-1.0,NoDerivatives;NoMargin,6,35,5.5,trailing 10%,125,16.0,Bull,15.4,3.83,2.0,71,117,100,38,false,Sell,Trim extended winner -1%,17,-23,BrokerC,LMT,87,None,None,Normal monitoring,10,-48,-5,4,false,Tax-aware sells next window
P8220,Systematic,401k,USD,2025-10-02,743042,33025,710017,1.0,59.5,21.3,10.6,8.7,BND:33.4%;VOO:33.4%;GLD:33.2%,US:74.5;EU:10.6;APAC:9.0;EM:3.0;Other:2.9,Value:-0.1;Growth:-0.5;Quality:-0.9;Size:+0.5;Momentum:-0.7;LowVol:+1.0,MaxPos5%;NoDerivatives,8,25,5.9,hard 12%,225,16.5,Sideways,20.6,4.95,2.7,92,43,75,63,false,NoAction,Within bands; monitor,15,-29,BrokerC,MKT,0,None,None,Normal monitoring,24,-7,14,3,false,Tighten stops on momentum names
P8221,Hands-off,Roth,USD,2024-10-14,707620,39483,668137,1.0,59.3,28.9,4.1,7.6,BRK.B:19.6%;GLD:16.3%;AAPL:20.4%;MSFT:20.4%;TLT:11.5%;VTI:11.8%,US:75.5;EU:7.0;APAC:6.1;EM:9.5;Other:1.8,Value:+0.2;Growth:+0.2;Quality:+0.1;Size:-0.8;Momentum:-0.8;LowVol:-0.9,,6,25,5.7,trailing 8%,158,17.2,Bull,12.7,4.65,2.6,95,119,100,30,false,Buy,Add to core equity +1%,21,12,BrokerC,VWAP,86,None,None,Normal monitoring,-25,18,-45,4,false,Within IPS guidelines
P8222,Hands-off,IRA,USD,2025-12-10,270051,16725,253326,1.0,62.3,16.9,12.3,8.5,VNQ:17.2%;MSFT:30.3%;AAPL:30.3%;QQQ:22.2%,US:70.1;EU:7.7;APAC:10.9;EM:8.0;Other:3.3,Value:+0.2;Growth:+0.7;Quality:-0.1;Size:+1.0;Momentum:-0.5;LowVol:-0.7,ESGOnly,10,25,4.7,trailing 8%,136,15.7,Bull,16.9,4.92,2.7,85,101,90,47,false,Sell,Trim extended winner -1%,-1,9,BrokerC,LMT,88,None,None,Normal monitoring,55,-2,23,5,false,Within IPS guidelines
P8223,Opportunistic,Roth,USD,2025-07-27,1743008,94922,1648086,1.0,64.7,11.1,16.5,7.7,VNQ:12.0%;TSLA:22.6%;VTI:22.6%;BND:20.9%;QQQ:21.9%,US:67.6;EU:6.5;APAC:12.8;EM:9.6;Other:3.4,Value:+0.1;Growth:+0.9;Quality:-1.0;Size:-0.7;Momentum:+0.5;LowVol:+0.6,,7,30,5.3,trailing 7%,220,31.5,Sideways,21.9,4.03,3.5,94,8,57,66,false,Rebalance,Shift +1% to bonds from equity,28,-13,BrokerA,LMT,99,None,None,Normal monitoring,42,20,158,4,false,Tax-aware sells next window
P8224,Cautious,401k,USD,2025-12-25,399767,58278,341489,1.0,47.7,36.4,0.0,15.9,VNQ:12.6%;QQQ:23.2%;TLT:23.2%;AMZN:23.2%;VOO:17.7%,US:65.4;EU:9.3;APAC:13.8;EM:10.3;Other:1.2,Value:-0.2;Growth:+0.3;Quality:+0.2;Size:0.0;Momentum:+0.1;LowVol:+0.7,NoDerivatives;NoMargin,5,30,5.1,trailing 8%,103,19.8,Volatile,24.4,5.45,2.7,180,64,88,64,false,Hedge,Add TLT +1% as duration hedge,-15,-30,BrokerA,MKT,97,None,None,Normal monitoring,-54,14,-39,4,false,Tighten stops on momentum names
P8225,Hands-off,IRA,USD,2024-10-27,301008,16129,284879,1.0,57.3,20.7,14.2,7.7,MSFT:26.7%;XLF:23.0%;AAPL:23.5%;BRK.B:26.7%,US:68.2;EU:14.7;APAC:5.7;EM:9.6;Other:1.8,Value:-0.9;Growth:+0.8;Quality:-0.8;Size:+1.0;Momentum:0.0;LowVol:-0.6,MaxPos6%,5,35,4.3,trailing 8%,101,12.4,Bull,16.0,4.74,2.3,99,19,62,54,false,Buy,Add to core equity +1%,6,6,BrokerB,MKT,89,None,None,Normal monitoring,9,-46,83,4,false,Within IPS guidelines
P8226,Cautious,IRA,USD,2025-07-29,387600,57697,329903,1.0,46.3,37.1,0.0,16.6,TLT:28.1%;TSLA:28.1%;VNQ:15.6%;IEF:28.1%,US:71.0;EU:15.4;APAC:7.8;EM:5.6;Other:0.2,Value:+0.6;Growth:-0.3;Quality:-0.1;Size:+0.1;Momentum:-0.3;LowVol:+0.6,ESGOnly;NoMargin,10,35,5.9,trailing 8%,126,19.9,Bull,13.0,4.47,2.6,118,57,90,35,true,Hedge,Buy index puts 1% notional,-9,7,BrokerC,MKT,89,RegimeShift,Hedge,Volatility spike and breadth deterioration,111,13,86,5,true,Increase defensive factor exposure
P8227,Hands-off,401k,USD,2025-08-22,544093,53271,490822,1.0,63.5,16.5,11.9,8.1,BRK.B:28.5%;GLD:26.8%;BND:16.1%;HYG:28.5%,US:56.4;EU:17.5;APAC:12.9;EM:10.0;Other:3.2,Value:+0.5;Growth:-0.6;Quality:-0.9;Size:-0.7;Momentum:-0.1;LowVol:-0.8,,10,30,5.6,trailing 10%,114,15.8,Sideways,16.2,3.78,2.9,96,7,51,43,false,Rebalance,Shift +1% to bonds from equity,33,-40,BrokerD,VWAP,95,None,None,Normal monitoring,-9,-31,79,3,false,Tighten stops on momentum names
P8228,Hands-off,Taxable,USD,2024-09-29,374313,31162,343151,1.0,65.0,27.4,0.0,7.6,BND:7.8%;IEF:22.9%;TLT:22.9%;VTI:12.5%;MUB:13.0%;TSLA:20.9%,US:61.9;EU:18.3;APAC:14.8;EM:5.0;Other:0.0,Value:-0.1;Growth:+0.6;Quality:-0.1;Size:+0.3;Momentum:+0.8;LowVol:-0.1,ESGOnly;NoDerivatives,10,25,4.7,trailing 10%,159,14.2,Sideways,18.2,4.09,3.0,121,-22,47,48,false,Sell,Trim extended winner -1%,35,3,BrokerA,LMT,95,None,None,Normal monitoring,-54,-59,79,5,false,Increase defensive factor exposure
P8229,Cautious,IRA,USD,2025-04-28,486520,70251,416269,1.0,48.0,35.7,0.0,16.3,MSFT:33.6%;VOO:33.6%;AAPL:32.9%,US:66.7;EU:10.5;APAC:13.4;EM:5.3;Other:4.1,Value:-0.4;Growth:+0.6;Quality:+0.3;Size:+0.8;Momentum:+0.1;LowVol:+0.4,ESGOnly;NoMargin,7,30,5.8,hard 10%,100,13.1,Volatile,25.5,3.54,2.2,154,-14,28,58,false,Rebalance,Shift +1% to bonds from equity,19,8,BrokerB,LMT,98,None,None,Normal monitoring,-21,-34,84,4,false,Within IPS guidelines
P8230,Cautious,Trust,USD,2025-07-06,508818,71055,437763,1.0,39.8,35.2,9.9,15.1,TSLA:29.5%;AAPL:16.4%;AMZN:29.5%;HYG:24.6%,US:72.9;EU:6.6;APAC:9.1;EM:8.4;Other:3.0,Value:+0.7;Growth:+0.2;Quality:+0.7;Size:-0.6;Momentum:-0.2;LowVol:-0.4,ESGOnly;NoMargin,7,35,4.3,trailing 10%,139,16.0,Bull,16.7,3.8,2.4,101,27,52,28,false,Hedge,Add TLT +1% as duration hedge,26,-32,BrokerB,LMT,93,None,None,Normal monitoring,-12,-42,-30,4,false,Tax-aware sells next window
P8231,Active,401k,USD,2024-07-14,755865,55299,700566,1.0,61.6,25.9,7.0,5.5,AAPL:23.3%;MSFT:23.3%;TLT:23.3%;VOO:20.1%;QQQ:10.0%,US:68.3;EU:11.1;APAC:7.2;EM:8.7;Other:4.7,Value:-0.4;Growth:-0.3;Quality:-0.5;Size:+0.7;Momentum:+0.1;LowVol:+0.4,,8,25,4.5,trailing 8%,191,26.3,Bear,34.4,4.49,1.7,159,-36,33,75,true,Reduce,"Cut high-beta by 2-3%, add cash",31,-5,BrokerD,LMT,92,RegimeShift,Hedge,Volatility spike and breadth deterioration,68,-39,187,2,false,Increase defensive factor exposure
P8232,Active,Trust,USD,2025-04-03,2288692,188646,2100046,1.0,56.7,19.0,19.2,5.0,HYG:27.1%;BND:27.1%;AMZN:18.8%;MSFT:27.1%,US:63.8;EU:16.0;APAC:11.9;EM:5.5;Other:2.9,Value:-0.3;Growth:-0.0;Quality:+0.6;Size:+0.5;Momentum:+0.3;LowVol:-0.2,,10,35,5.3,trailing 8%,160,21.4,Volatile,29.5,4.81,2.9,169,73,82,79,true,Rebalance,Rebalance back to target bands,2,-7,BrokerD,LMT,87,VAR>budget,Hedge,Risk above budget threshold,6,-42,48,3,false,Monitor dispersion and breadth
P8233,Systematic,IRA,USD,2024-10-27,465584,35952,429632,1.0,66.4,26.9,0.5,6.2,IEF:34.5%;AMZN:34.5%;HYG:31.0%,US:71.4;EU:15.2;APAC:7.5;EM:4.0;Other:1.9,Value:-0.6;Growth:+0.5;Quality:+0.9;Size:-0.7;Momentum:-0.6;LowVol:-0.8,,6,30,4.4,hard 12%,220,26.0,Volatile,23.8,4.86,3.2,150,70,96,72,true,Reduce,"Cut high-beta by 2-3%, add cash",-15,-21,BrokerA,MKT,99,VAR>budget,Reduce,Risk above budget threshold,-2,4,-1,4,false,Tax-aware sells next window
P8234,Hands-off,Taxable,USD,2024-11-04,610962,29365,581597,1.0,59.9,29.4,2.1,8.5,TSLA:37.6%;XLF:37.6%;VOO:24.7%,US:57.7;EU:20.1;APAC:15.9;EM:4.2;Other:2.2,Value:+0.5;Growth:-0.6;Quality:+0.3;Size:+0.7;Momentum:-0.9;LowVol:+0.8,ESGOnly,5,25,4.1,trailing 8%,141,12.8,Bull,17.7,3.77,2.7,76,84,93,50,true,Hedge,Buy index puts 1% notional,-1,-18,BrokerB,LMT,88,RegimeShift,Reduce,Volatility spike and breadth deterioration,57,15,153,2,false,Tighten stops on momentum names
P8235,Cautious,Taxable,USD,2025-03-13,383221,38959,344262,1.0,39.0,42.4,3.1,15.4,BND:14.3%;VTI:22.0%;VNQ:8.7%;XLF:13.7%;QQQ:22.0%;AAPL:19.2%,US:57.8;EU:16.9;APAC:15.3;EM:6.3;Other:3.7,Value:-0.6;Growth:-0.3;Quality:0.0;Size:-0.8;Momentum:-0.7;LowVol:-0.6,NoMargin,7,25,3.8,trailing 8%,128,17.0,Volatile,23.9,5.4,3.7,132,-23,47,44,false,Hedge,Add TLT +1% as duration hedge,-12,-5,BrokerA,MKT,96,None,None,Normal monitoring,111,-60,157,5,false,Tax-aware sells next window
P8236,Hands-off,Roth,USD,2024-11-22,314309,28950,285359,1.0,56.0,16.9,18.8,8.3,AAPL:8.0%;VOO:19.2%;GLD:23.2%;VTI:23.2%;XLF:9.8%;MUB:16.5%,US:65.3;EU:15.2;APAC:6.8;EM:12.4;Other:0.3,Value:+0.4;Growth:+0.6;Quality:+0.6;Size:0.0;Momentum:+0.9;LowVol:+0.1,ESGOnly,6,30,5.0,trailing 8%,132,14.3,Volatile,23.3,4.08,4.1,149,28,66,68,true,Hedge,Buy index puts 1% notional,-5,10,BrokerA,MKT,87,VAR>budget,Hedge,Risk above budget threshold,111,-38,217,4,false,Within IPS guidelines
P8237,Systematic,401k,USD,2025-09-03,1393023,57897,1335126,1.0,62.7,30.2,0.6,6.5,AMZN:27.0%;MSFT:19.1%;HYG:27.0%;TSLA:27.0%,US:64.6;EU:16.3;APAC:6.8;EM:9.3;Other:3.0,Value:+0.9;Growth:+0.6;Quality:+0.7;Size:+0.1;Momentum:-0.6;LowVol:+0.3,,8,25,5.9,trailing 8%,192,20.3,Volatile,20.6,5.45,2.3,179,-56,23,64,false,NoAction,Within bands; monitor,24,-33,BrokerD,MKT,0,None,None,Normal monitoring,-38,-1,-7,5,false,Tighten stops on momentum names
P8238,Cautious,401k,USD,2025-08-31,899831,108766,791065,1.0,39.2,36.1,10.8,13.9,IEF:22.5%;MSFT:22.5%;VTI:18.4%;BND:14.1%;XLF:22.5%,US:66.7;EU:16.7;APAC:11.7;EM:3.8;Other:1.1,Value:+0.9;Growth:0.0;Quality:+0.4;Size:+1.0;Momentum:+0.4;LowVol:-0.6,NoMargin,7,35,3.1,hard 10%,138,18.4,Bear,30.5,3.97,1.9,147,-82,5,65,false,Rebalance,Shift +1% to bonds from equity,2,11,BrokerC,LMT,94,None,None,Normal monitoring,41,8,101,5,false,Tax-aware sells next window
P8239,Opportunistic,Trust,USD,2025-08-27,463268,15861,447407,1.0,63.6,16.2,14.2,6.1,TSLA:25.6%;XLF:22.7%;AAPL:25.8%;MSFT:25.8%,US:62.3;EU:11.5;APAC:14.9;EM:6.1;Other:5.0,Value:-0.7;Growth:+0.5;Quality:+0.8;Size:-0.6;Momentum:-0.9;LowVol:+0.3,MaxPos8%;NoDerivatives,5,30,4.6,hard 12%,218,33.1,Volatile,31.1,5.4,4.3,147,54,69,90,true,Reduce,"Cut high-beta by 2-3%, add cash",20,0,BrokerB,MKT,96,VAR>budget,TightenStops,Risk above budget threshold,101,-7,141,5,true,Within IPS guidelines
P8240,Active,Roth,USD,2024-08-19,1945289,185074,1760215,1.0,66.5,21.3,2.3,10.0,IEF:27.0%;VTI:36.5%;BRK.B:36.5%,US:67.9;EU:16.3;APAC:10.1;EM:3.3;Other:2.4,Value:+0.4;Growth:-0.2;Quality:-0.4;Size:-0.2;Momentum:+0.1;LowVol:-0.4,NoDerivatives,10,30,4.7,trailing 8%,123,17.7,Bear,24.7,4.35,1.6,211,-67,5,64,true,Rebalance,Rebalance back to target bands,-3,-23,BrokerD,VWAP,92,VAR>budget,Pause,Risk above budget threshold,-27,12,-5,5,false,Within IPS guidelines
P8241,Opportunistic,Taxable,USD,2025-07-18,799838,36735,763103,1.17,70.9,14.9,9.5,4.7,TSLA:33.3%;TLT:33.3%;VNQ:33.3%,US:66.5;EU:6.8;APAC:14.5;EM:10.3;Other:1.9,Value:-0.5;Growth:+0.4;Quality:+0.7;Size:-0.5;Momentum:+0.7;LowVol:+0.9,MaxPos7%,6,30,5.8,trailing 7%,192,34.1,Volatile,26.3,5.28,3.8,138,-11,59,71,true,Rebalance,Rebalance back to target bands,8,-34,BrokerC,MKT,93,VAR>budget,Hedge,Risk above budget threshold,-49,-50,-52,5,false,Tighten stops on momentum names
P8242,Cautious,IRA,USD,2025-03-01,847521,103499,744022,1.0,35.8,31.1,16.3,16.8,QQQ:35.2%;MUB:35.2%;BND:29.6%,US:66.5;EU:11.8;APAC:9.0;EM:9.8;Other:2.8,Value:+0.9;Growth:-0.5;Quality:-0.5;Size:+0.5;Momentum:-0.5;LowVol:-0.8,ESGOnly;MaxPos7%;NoDerivatives;NoMargin,10,35,3.4,hard 10%,104,14.1,Bear,29.9,3.28,2.9,204,-20,53,69,false,NoAction,Within bands; monitor,12,-19,BrokerC,MKT,0,None,None,Normal monitoring,120,-49,192,3,false,Monitor dispersion and breadth
P8243,Opportunistic,Roth,USD,2025-01-23,1322052,68253,1253799,1.0,62.2,15.1,15.5,7.2,MSFT:22.6%;VNQ:20.3%;MUB:22.6%;AAPL:21.8%;TLT:12.8%,US:67.3;EU:12.0;APAC:12.7;EM:6.4;Other:1.6,Value:+0.4;Growth:-0.9;Quality:+0.3;Size:-1.0;Momentum:-0.1;LowVol:-0.1,MaxPos8%,6,30,4.8,trailing 7%,279,34.1,Bull,15.7,4.83,3.1,95,104,93,57,false,NoAction,Within bands; monitor,7,-12,BrokerD,LMT,85,None,None,Normal monitoring,40,-8,96,4,false,Increase defensive factor exposure
P8244,Active,IRA,USD,2025-08-01,1176137,125810,1050327,1.0,63.7,18.1,10.4,7.8,XLF:21.4%;BRK.B:11.2%;HYG:22.5%;MUB:22.5%;IEF:22.5%,US:59.3;EU:21.3;APAC:6.2;EM:11.1;Other:2.1,Value:-0.7;Growth:-0.3;Quality:-0.5;Size:0.0;Momentum:+1.0;LowVol:-0.6,MaxPos7%,5,30,6.0,trailing 8%,146,16.4,Volatile,21.8,4.04,2.9,142,-22,34,69,false,Buy,Add to core equity +1%,-4,-3,BrokerC,LMT,100,None,None,Normal monitoring,31,-58,132,3,false,Within IPS guidelines
P8245,Hands-off,Taxable,USD,2025-03-30,694297,53312,640985,1.0,61.6,22.9,7.6,7.9,MSFT:21.9%;QQQ:16.0%;VNQ:10.8%;IEF:15.5%;XLF:13.9%;BRK.B:21.9%,US:59.8;EU:19.4;APAC:6.7;EM:9.5;Other:4.6,Value:-0.1;Growth:-0.1;Quality:-0.7;Size:+0.3;Momentum:+1.0;LowVol:-0.4,,8,35,4.3,trailing 8%,145,15.4,Bull,15.7,3.96,2.0,108,4,41,44,false,Buy,Add to core equity +1%,-8,-29,BrokerB,MKT,88,None,None,Normal monitoring,-45,7,-37,3,false,Increase defensive factor exposure
P8246,Cautious,Trust,USD,2025-12-21,636952,94515,542437,1.0,42.5,30.5,12.9,14.1,AAPL:20.2%;BRK.B:22.5%;HYG:13.1%;XLF:21.7%;BND:22.5%,US:69.2;EU:8.7;APAC:10.0;EM:10.6;Other:1.6,Value:+0.5;Growth:+0.7;Quality:+0.8;Size:+0.4;Momentum:+0.7;LowVol:-0.6,ESGOnly;NoDerivatives;NoMargin,7,25,3.4,trailing 8%,137,18.1,Bull,11.5,3.92,2.1,75,108,100,35,false,Rebalance,Shift +1% to bonds from equity,3,-14,BrokerC,LMT,92,None,None,Normal monitoring,82,-56,168,4,false,Within IPS guidelines
P8247,Hands-off,Taxable,USD,2025-02-25,746702,66632,680070,1.0,68.3,22.1,0.0,9.6,IEF:32.8%;TLT:33.6%;AMZN:33.6%,US:72.6;EU:15.2;APAC:5.3;EM:5.5;Other:1.3,Value:+0.2;Growth:-0.5;Quality:-0.6;Size:-0.9;Momentum:-0.1;LowVol:+0.6,NoDerivatives,6,35,3.5,hard 10%,154,16.3,Bull,11.3,4.31,3.3,113,101,100,45,true,Hedge,Buy index puts 1% notional,32,1,BrokerB,MKT,98,VAR>budget,Hedge,Risk above budget threshold,114,-41,140,4,false,Tighten stops on momentum names
P8248,Opportunistic,IRA,USD,2025-04-07,529424,30588,498836,1.0,67.7,20.2,6.9,5.3,TSLA:28.3%;VNQ:28.3%;HYG:28.3%;TLT:15.1%,US:56.5;EU:17.6;APAC:12.9;EM:12.7;Other:0.2,Value:+0.6;Growth:-0.0;Quality:+0.8;Size:+0.9;Momentum:-0.2;LowVol:-0.5,,8,25,4.2,hard 12%,280,20.7,Bear,25.7,4.19,1.0,192,15,64,66,false,Rebalance,Shift +1% to bonds from equity,5,-18,BrokerA,LMT,98,None,None,Normal monitoring,40,-30,79,3,false,Tax-aware sells next window
P8249,Hands-off,401k,USD,2025-04-30,306440,14787,291653,1.0,56.1,20.6,15.9,7.4,MUB:28.2%;IEF:28.2%;AMZN:28.2%;GLD:15.4%,US:68.7;EU:15.4;APAC:5.7;EM:6.9;Other:3.2,Value:+0.8;Growth:-0.9;Quality:-0.3;Size:-0.1;Momentum:-0.3;LowVol:-0.4,,7,25,4.5,trailing 10%,105,17.4,Volatile,28.3,4.69,2.5,160,58,76,70,true,Hedge,Buy index puts 1% notional,22,-1,BrokerC,VWAP,96,VAR>budget,Pause,Risk above budget threshold,-34,-58,-29,4,true,Monitor dispersion and breadth
P8250,Systematic,Roth,USD,2025-05-18,1233208,59242,1173966,1.0,64.2,29.5,0.0,6.3,VOO:23.3%;MSFT:13.0%;BND:17.3%;XLF:23.2%;TLT:23.3%,US:68.5;EU:7.5;APAC:12.9;EM:9.5;Other:1.7,Value:+0.5;Growth:+0.9;Quality:-0.4;Size:+0.4;Momentum:0.0;LowVol:+0.8,MaxPos5%,7,35,5.2,trailing 8%,149,25.1,Volatile,25.3,5.1,2.4,113,27,59,70,false,Hedge,Add TLT +1% as duration hedge,-5,-4,BrokerB,MKT,95,None,None,Normal monitoring,-57,13,12,5,false,Increase defensive factor exposure
P8251,Hands-off,401k,USD,2024-07-14,217370,18894,198476,1.0,57.8,23.5,8.9,9.8,AMZN:26.0%;GLD:26.0%;IEF:22.0%;VNQ:26.0%,US:68.0;EU:8.0;APAC:9.1;EM:10.5;Other:4.5,Value:-0.9;Growth:-0.9;Quality:+0.4;Size:+0.6;Momentum:+0.1;LowVol:-0.6,MaxPos5%;NoDerivatives,10,25,4.1,trailing 8%,92,12.6,Bull,15.3,3.94,3.4,77,42,82,46,false,Sell,Trim extended winner -1%,7,-12,BrokerD,MKT,93,None,None,Normal monitoring,75,-31,113,4,false,Tighten stops on momentum names
P8252,Cautious,401k,USD,2025-11-01,571939,52379,519560,1.0,46.9,34.7,4.0,14.5,VOO:26.9%;QQQ:25.8%;AMZN:20.5%;TSLA:26.9%,US:67.3;EU:10.7;APAC:13.3;EM:5.2;Other:3.4,Value:+0.3;Growth:+0.4;Quality:-0.5;Size:+0.2;Momentum:-0.4;LowVol:+0.4,ESGOnly;NoMargin,8,35,4.7,trailing 8%,159,15.4,Bear,34.7,3.47,2.7,156,14,56,78,true,Hedge,Buy index puts 1% notional,-14,-29,BrokerA,MKT,87,VAR>budget,Reduce,Risk above budget threshold,63,-33,186,3,false,Tighten stops on momentum names
P8253,Active,Roth,USD,2025-12-10,1520565,172670,1347895,1.23,66.4,24.9,0.0,8.7,VTI:36.6%;AAPL:36.6%;VNQ:26.7%,US:67.8;EU:9.5;APAC:11.8;EM:10.6;Other:0.4,Value:-0.3;Growth:-1.0;Quality:0.0;Size:+0.4;Momentum:+0.7;LowVol:-0.2,,10,35,4.3,trailing 9%,134,19.1,Volatile,24.3,4.37,2.0,123,9,68,65,false,Rebalance,Shift +1% to bonds from equity,5,-30,BrokerB,LMT,93,None,None,Normal monitoring,57,16,102,5,false,Tighten stops on momentum names
P8254,Cautious,Roth,USD,2025-04-28,379152,58974,320178,1.0,51.4,37.4,0.4,10.8,AMZN:13.1%;TSLA:8.1%;MSFT:21.4%;VNQ:21.4%;QQQ:21.0%;IEF:14.9%,US:64.0;EU:14.2;APAC:9.7;EM:7.5;Other:4.6,Value:-0.1;Growth:+0.8;Quality:-0.2;Size:0.0;Momentum:+0.8;LowVol:+0.9,NoMargin,6,30,4.5,trailing 8%,165,20.0,Bull,15.2,3.9,2.3,90,78,83,37,true,Hedge,Buy index puts 1% notional,7,-1,BrokerB,MKT,99,VAR>budget,Hedge,Risk above budget threshold,100,6,175,4,true,Within IPS guidelines
P8255,Active,Trust,USD,2025-11-18,1190377,82350,1108027,1.0,69.2,18.2,4.2,8.4,TSLA:21.2%;GLD:15.7%;BRK.B:10.6%;XLF:9.2%;HYG:21.7%;IEF:21.7%,US:63.5;EU:19.2;APAC:8.4;EM:8.7;Other:0.2,Value:+0.9;Growth:+0.4;Quality:+0.9;Size:+0.8;Momentum:-0.4;LowVol:-0.6,,7,25,4.9,trailing 9%,189,22.4,Volatile,26.8,4.82,3.9,116,12,69,72,true,Hedge,Buy index puts 1% notional,35,-12,BrokerA,LMT,99,VAR>budget,Reduce,Risk above budget threshold,-38,-34,-76,3,false,Within IPS guidelines
P8256,Opportunistic,IRA,USD,2025-08-08,1423717,53428,1370289,1.0,75.4,11.3,6.2,7.0,QQQ:21.4%;IEF:15.8%;BRK.B:22.4%;XLF:17.9%;VNQ:22.4%,US:65.3;EU:15.7;APAC:8.9;EM:6.7;Other:3.4,Value:-0.3;Growth:-0.1;Quality:-0.9;Size:+0.2;Momentum:-0.3;LowVol:-0.6,,10,30,6.0,trailing 7%,273,34.8,Volatile,20.7,4.0,2.2,121,24,51,67,false,NoAction,Within bands; monitor,21,4,BrokerA,MKT,0,None,None,Normal monitoring,98,-46,162,3,false,Tax-aware sells next window
P8257,Opportunistic,Taxable,USD,2025-02-06,1289715,70945,1218770,1.21,60.8,13.0,20.0,6.2,AAPL:33.3%;XLF:33.3%;HYG:33.3%,US:71.1;EU:8.6;APAC:13.2;EM:6.3;Other:0.8,Value:-0.4;Growth:-0.2;Quality:+0.7;Size:-0.4;Momentum:+0.5;LowVol:+0.9,MaxPos7%,7,35,4.8,trailing 7%,208,20.6,Bull,16.8,4.01,2.8,102,90,98,49,false,Rebalance,Shift +1% to bonds from equity,10,0,BrokerC,MKT,94,None,None,Normal monitoring,92,6,204,5,false,Tax-aware sells next window
P8258,Hands-off,IRA,USD,2024-08-06,448661,28154,420507,1.0,58.7,25.2,8.1,7.9,TLT:26.5%;MUB:11.9%;AAPL:17.4%;AMZN:17.8%;TSLA:26.5%,US:64.7;EU:10.0;APAC:9.2;EM:10.9;Other:5.3,Value:-0.5;Growth:+0.4;Quality:+0.6;Size:-0.0;Momentum:-0.3;LowVol:-0.3,NoDerivatives,7,30,5.9,trailing 10%,140,17.3,Volatile,21.3,3.88,2.0,120,14,66,54,false,NoAction,Within bands; monitor,-4,8,BrokerA,VWAP,89,None,None,Normal monitoring,-20,0,114,3,false,Tighten stops on momentum names
P8259,Active,Trust,USD,2024-10-08,1466803,90448,1376355,1.23,63.2,21.3,9.1,6.4,TSLA:16.0%;VOO:12.9%;XLF:9.8%;QQQ:19.3%;TLT:20.9%;GLD:21.1%,US:64.8;EU:15.9;APAC:12.4;EM:5.2;Other:1.7,Value:-0.7;Growth:-0.7;Quality:+0.1;Size:+0.3;Momentum:-0.1;LowVol:+0.4,MaxPos8%,5,30,4.2,hard 12%,159,27.9,Volatile,26.2,3.57,2.6,153,-58,23,78,true,Hedge,Buy index puts 1% notional,35,10,BrokerD,MKT,97,VAR>budget,Hedge,Risk above budget threshold,47,-1,155,3,false,Monitor dispersion and breadth
P8260,Opportunistic,Taxable,USD,2025-06-30,1769929,97530,1672399,1.0,65.3,15.2,13.2,6.3,VNQ:33.3%;AMZN:33.3%;HYG:33.3%,US:67.0;EU:16.1;APAC:8.7;EM:7.4;Other:0.7,Value:0.0;Growth:+0.9;Quality:+1.0;Size:+0.6;Momentum:+1.0;LowVol:-0.7,,6,30,6.1,trailing 7%,197,24.0,Bull,12.6,3.8,2.9,120,40,70,37,true,Rebalance,Rebalance back to target bands,8,-4,BrokerD,VWAP,94,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-40,3,-11,3,false,Tighten stops on momentum names
P8261,Active,401k,USD,2025-05-11,2075944,162082,1913862,1.0,56.0,23.0,14.6,6.4,QQQ:21.7%;GLD:9.1%;AAPL:18.7%;TSLA:19.3%;VOO:21.7%;TLT:9.6%,US:56.3;EU:16.0;APAC:15.6;EM:10.3;Other:1.9,Value:+0.2;Growth:+1.0;Quality:+0.8;Size:+0.1;Momentum:-0.8;LowVol:-0.9,MaxPos7%,10,35,5.5,trailing 9%,217,23.6,Bull,13.4,3.76,2.9,78,66,86,43,true,Hedge,Buy index puts 1% notional,32,-20,BrokerC,LMT,93,VAR>budget,Hedge,Risk above budget threshold,104,-56,88,4,false,Increase defensive factor exposure
P8262,Systematic,401k,USD,2024-08-28,1459593,141495,1318098,1.0,64.2,25.9,3.6,6.2,TSLA:15.0%;HYG:16.1%;QQQ:18.3%;GLD:7.9%;IEF:21.4%;VTI:21.4%,US:66.2;EU:15.5;APAC:8.5;EM:6.9;Other:3.0,Value:+0.4;Growth:-0.7;Quality:+0.5;Size:-0.5;Momentum:-0.4;LowVol:-0.4,MaxPos5%;NoDerivatives,10,25,4.8,trailing 9%,127,27.8,Bull,15.0,4.14,2.8,78,19,73,53,false,Rebalance,Shift +1% to bonds from equity,-14,-35,BrokerD,MKT,99,None,None,Normal monitoring,97,-42,216,3,false,Within IPS guidelines
P8263,Hands-off,IRA,USD,2024-12-04,442846,43578,399268,1.0,57.7,20.4,14.4,7.4,TLT:29.4%;VNQ:23.9%;IEF:17.3%;VTI:29.4%,US:70.6;EU:15.7;APAC:5.9;EM:5.4;Other:2.4,Value:+0.2;Growth:-0.4;Quality:0.0;Size:-0.1;Momentum:-0.4;LowVol:+0.4,MaxPos6%,8,35,4.7,trailing 8%,113,15.6,Bull,15.6,3.81,3.0,102,77,92,42,false,Rebalance,Shift +1% to bonds from equity,32,-4,BrokerC,LMT,100,None,None,Normal monitoring,-60,-32,61,3,false,Increase defensive factor exposure
P8264,Active,Trust,USD,2025-01-20,1668475,146733,1521742,1.0,56.4,19.6,17.3,6.6,IEF:11.4%;TLT:8.4%;XLF:22.8%;VTI:22.8%;BRK.B:11.8%;MUB:22.8%,US:66.5;EU:18.6;APAC:7.2;EM:7.4;Other:0.2,Value:0.0;Growth:+0.4;Quality:+0.3;Size:-0.9;Momentum:-0.6;LowVol:+1.0,MaxPos8%,7,35,4.2,trailing 9%,179,19.0,Bear,32.2,4.2,2.1,173,-33,28,71,true,Rebalance,Rebalance back to target bands,30,0,BrokerD,MKT,90,VAR>budget,Pause,Risk above budget threshold,3,4,128,2,false,Within IPS guidelines
P8265,Cautious,401k,USD,2025-05-04,839067,103186,735881,1.0,51.4,32.6,0.0,15.9,IEF:20.3%;TLT:28.3%;XLF:23.0%;VTI:28.3%,US:75.3;EU:7.4;APAC:9.5;EM:6.6;Other:1.2,Value:-0.9;Growth:0.0;Quality:+0.1;Size:-0.2;Momentum:-0.3;LowVol:-0.9,ESGOnly;MaxPos5%;NoMargin,7,35,4.5,trailing 8%,96,13.8,Sideways,17.6,3.5,2.4,98,18,52,43,false,Sell,Trim extended winner -1%,18,-7,BrokerC,MKT,100,None,None,Normal monitoring,-29,1,-30,5,false,Tax-aware sells next window
P8266,Cautious,IRA,USD,2025-01-24,504646,53589,451057,1.0,35.7,43.6,4.4,16.3,TSLA:22.5%;BND:7.3%;MSFT:10.0%;TLT:15.2%;XLF:22.5%;VTI:22.5%,US:69.5;EU:6.0;APAC:10.3;EM:9.6;Other:4.7,Value:-0.9;Growth:-0.2;Quality:+0.7;Size:-0.5;Momentum:-0.2;LowVol:-0.5,NoMargin,5,35,3.4,trailing 8%,102,12.2,Volatile,28.9,5.36,3.4,138,68,77,66,false,Sell,Trim extended winner -1%,1,12,BrokerC,LMT,89,None,None,Normal monitoring,18,16,113,3,false,Increase defensive factor exposure
P8267,Opportunistic,Roth,USD,2025-10-21,710922,35018,675904,1.0,65.4,21.1,5.8,7.7,XLF:31.0%;MSFT:34.5%;IEF:34.5%,US:63.6;EU:16.7;APAC:7.2;EM:9.3;Other:3.2,Value:-0.1;Growth:+0.9;Quality:+0.8;Size:-0.6;Momentum:+0.4;LowVol:+0.1,MaxPos6%;NoDerivatives,5,35,4.9,trailing 7%,185,31.8,Sideways,19.0,4.77,2.1,100,-27,34,58,false,Rebalance,Shift +1% to bonds from equity,12,8,BrokerC,MKT,92,None,None,Normal monitoring,72,-45,182,4,false,Within IPS guidelines
P8268,Hands-off,401k,USD,2025-08-30,776900,60420,716480,1.0,60.8,17.2,14.6,7.4,TLT:33.3%;VNQ:33.3%;BND:33.3%,US:67.4;EU:13.5;APAC:10.9;EM:4.1;Other:4.0,Value:+0.9;Growth:-0.2;Quality:-0.6;Size:+0.6;Momentum:-0.6;LowVol:+0.1,ESGOnly,6,25,3.3,hard 10%,110,15.4,Sideways,19.3,3.86,3.1,100,-3,46,48,false,Rebalance,Shift +1% to bonds from equity,1,-12,BrokerD,MKT,95,None,None,Normal monitoring,-1,-33,8,4,false,Within IPS guidelines
P8269,Hands-off,Trust,USD,2025-05-30,429817,36291,393526,1.0,71.0,23.0,0.0,6.0,VNQ:22.1%;XLF:22.1%;TSLA:22.1%;QQQ:13.8%;AMZN:19.9%,US:56.5;EU:20.6;APAC:7.3;EM:12.4;Other:3.2,Value:-0.9;Growth:-1.0;Quality:0.0;Size:-0.5;Momentum:-1.0;LowVol:-0.6,ESGOnly,5,35,4.3,trailing 8%,160,13.1,Sideways,15.2,4.73,2.1,130,2,38,47,false,Rebalance,Shift +1% to bonds from equity,19,-9,BrokerD,MKT,98,None,None,Normal monitoring,-6,-27,115,3,false,Monitor dispersion and breadth
P8270,Cautious,Roth,USD,2025-06-22,632059,97012,535047,1.0,51.5,38.1,0.0,10.4,GLD:13.9%;MSFT:18.9%;BND:24.0%;BRK.B:19.1%;MUB:24.0%,US:60.1;EU:17.3;APAC:10.2;EM:7.2;Other:5.3,Value:+0.3;Growth:-0.4;Quality:-0.7;Size:-0.3;Momentum:-0.8;LowVol:-0.5,NoMargin,6,35,3.4,trailing 8%,159,14.7,Bull,11.4,4.42,2.2,84,27,61,25,false,Sell,Trim extended winner -1%,19,-36,BrokerC,MKT,96,None,None,Normal monitoring,13,19,21,3,false,Tighten stops on momentum names
P8271,Cautious,Trust,USD,2024-08-16,818618,67701,750917,1.0,39.1,41.4,8.0,11.4,AAPL:23.8%;IEF:12.5%;TLT:14.9%;TSLA:7.7%;HYG:17.4%;BND:23.8%,US:72.3;EU:6.3;APAC:9.1;EM:10.4;Other:1.8,Value:-0.2;Growth:+0.9;Quality:+0.5;Size:-0.9;Momentum:+0.6;LowVol:+0.5,MaxPos5%;NoDerivatives;NoMargin,6,25,6.0,trailing 10%,115,18.2,Bull,13.4,3.65,2.4,115,36,63,23,false,Rebalance,Shift +1% to bonds from equity,30,-21,BrokerA,VWAP,100,None,None,Normal monitoring,53,-59,112,3,false,Tighten stops on momentum names
P8272,Opportunistic,Roth,USD,2024-10-27,624338,38474,585864,1.0,61.9,14.7,15.3,8.1,TSLA:20.0%;MSFT:26.7%;BRK.B:26.7%;QQQ:26.7%,US:71.4;EU:6.4;APAC:11.0;EM:6.8;Other:4.3,Value:+0.7;Growth:+0.9;Quality:-0.4;Size:-0.3;Momentum:+0.5;LowVol:+0.5,MaxPos8%,5,30,6.6,trailing 9%,256,27.8,Sideways,20.7,4.23,2.6,104,-7,37,59,false,Sell,Trim extended winner -1%,8,-14,BrokerB,LMT,87,None,None,Normal monitoring,-49,-15,39,4,false,Tax-aware sells next window
P8273,Active,401k,USD,2024-07-23,1604421,131914,1472507,1.0,65.7,20.6,7.2,6.5,XLF:26.9%;VTI:26.3%;QQQ:26.9%;GLD:19.9%,US:70.8;EU:6.6;APAC:9.5;EM:7.8;Other:5.3,Value:+0.7;Growth:+0.9;Quality:-0.4;Size:+0.2;Momentum:-0.3;LowVol:+0.2,MaxPos5%;NoDerivatives,5,30,5.7,trailing 9%,174,27.5,Bull,12.0,3.89,2.5,107,99,90,53,false,Hedge,Add TLT +1% as duration hedge,15,1,BrokerC,MKT,99,None,None,Normal monitoring,74,-33,205,4,false,Increase defensive factor exposure
P8274,Systematic,Roth,USD,2025-02-26,1644993,133753,1511240,1.0,56.2,21.1,17.4,5.3,BND:21.7%;AMZN:17.1%;VOO:14.4%;QQQ:12.7%;MSFT:21.7%;XLF:12.4%,US:75.8;EU:9.4;APAC:7.1;EM:7.6;Other:0.1,Value:-0.9;Growth:-0.6;Quality:+0.6;Size:+0.6;Momentum:-0.2;LowVol:+0.5,MaxPos5%,6,25,5.2,hard 12%,169,22.2,Sideways,18.2,4.81,2.9,105,-26,44,50,false,Hedge,Add TLT +1% as duration hedge,18,-23,BrokerD,LMT,86,None,None,Normal monitoring,-5,-6,23,5,false,Tax-aware sells next window
P8275,Hands-off,Roth,USD,2025-07-26,533201,40691,492510,1.0,58.0,18.0,17.5,6.4,VOO:24.4%;BRK.B:25.2%;VNQ:25.2%;XLF:25.2%,US:59.9;EU:19.2;APAC:9.5;EM:6.1;Other:5.3,Value:-0.5;Growth:+0.4;Quality:+0.4;Size:-0.6;Momentum:+0.2;LowVol:+0.4,MaxPos6%,7,35,3.8,trailing 8%,170,15.8,Bull,17.1,4.68,2.7,100,33,51,43,false,Hedge,Add TLT +1% as duration hedge,12,11,BrokerB,MKT,93,None,None,Normal monitoring,-52,-30,-24,5,false,Increase defensive factor exposure
P8276,Cautious,Taxable,USD,2024-12-01,682310,79219,603091,1.0,35.5,43.0,3.7,17.8,MSFT:36.9%;GLD:36.9%;AMZN:26.3%,US:69.3;EU:16.6;APAC:6.6;EM:5.5;Other:1.9,Value:-0.9;Growth:+0.7;Quality:-1.0;Size:+0.6;Momentum:+0.6;LowVol:-0.5,ESGOnly;NoMargin,8,30,3.3,hard 10%,103,12.2,Volatile,28.3,3.8,4.3,156,-3,63,62,false,Sell,Trim extended winner -1%,6,-3,BrokerB,LMT,88,None,None,Normal monitoring,116,-4,238,3,false,Tax-aware sells next window
P8277,Hands-off,Taxable,USD,2025-12-01,295186,23492,271694,1.0,67.1,15.4,10.4,7.1,QQQ:25.0%;HYG:25.0%;GLD:25.0%;TLT:25.0%,US:58.7;EU:14.7;APAC:15.4;EM:6.5;Other:4.7,Value:+0.1;Growth:+0.7;Quality:-0.3;Size:+0.5;Momentum:-0.0;LowVol:-0.3,ESGOnly;MaxPos8%,10,30,3.7,hard 10%,155,17.2,Bull,13.3,4.5,2.9,109,49,64,50,false,Sell,Trim extended winner -1%,21,-6,BrokerA,MKT,93,None,None,Normal monitoring,1,-11,53,3,false,Increase defensive factor exposure
P8278,Opportunistic,Roth,USD,2024-07-23,1062332,83636,978696,1.0,63.1,10.5,20.2,6.2,BRK.B:16.3%;GLD:14.1%;VNQ:21.7%;TLT:18.3%;MSFT:7.8%;MUB:21.7%,US:66.4;EU:16.0;APAC:9.7;EM:7.5;Other:0.4,Value:-0.1;Growth:-0.8;Quality:-0.0;Size:-0.5;Momentum:+0.3;LowVol:+0.7,NoDerivatives,6,25,5.9,trailing 7%,201,20.5,Volatile,28.6,4.8,2.2,153,-56,16,65,false,Rebalance,Shift +1% to bonds from equity,-3,-32,BrokerD,MKT,99,None,None,Normal monitoring,90,11,149,4,false,Monitor dispersion and breadth
P8279,Cautious,Taxable,USD,2025-06-25,598689,62116,536573,1.0,38.2,44.1,0.0,17.7,GLD:21.2%;AAPL:21.2%;TSLA:21.2%;BND:15.3%;TLT:21.2%,US:69.1;EU:11.8;APAC:11.2;EM:7.9;Other:0.0,Value:-0.1;Growth:+1.0;Quality:+0.2;Size:-0.6;Momentum:-0.8;LowVol:-0.3,NoMargin,7,25,4.0,trailing 10%,147,19.3,Bull,13.1,3.62,2.9,114,6,38,20,false,Rebalance,Shift +1% to bonds from equity,8,-38,BrokerB,MKT,100,None,None,Normal monitoring,97,-53,104,3,false,Increase defensive factor exposure
P8280,Opportunistic,Roth,USD,2025-10-16,893456,47031,846425,1.0,64.5,10.4,20.4,4.8,IEF:13.4%;VNQ:15.9%;TLT:15.5%;TSLA:20.7%;BRK.B:13.7%;AMZN:20.7%,US:66.9;EU:19.8;APAC:6.7;EM:4.0;Other:2.5,Value:+0.4;Growth:+0.4;Quality:-0.7;Size:-0.1;Momentum:+0.5;LowVol:+0.2,,10,35,6.2,hard 12%,248,30.6,Bull,15.5,4.6,2.9,84,112,100,57,false,Sell,Trim extended winner -1%,-2,10,BrokerC,MKT,99,None,None,Normal monitoring,110,-14,216,5,false,Monitor dispersion and breadth
P8281,Cautious,Trust,USD,2025-07-28,877979,140048,737931,1.0,52.1,35.3,0.0,12.6,VNQ:35.5%;TLT:35.5%;QQQ:29.0%,US:62.5;EU:13.8;APAC:12.4;EM:7.8;Other:3.7,Value:+0.1;Growth:+0.6;Quality:+0.7;Size:-0.9;Momentum:+0.9;LowVol:+0.1,MaxPos7%;NoMargin,6,25,3.1,hard 10%,164,13.7,Bull,15.6,4.76,2.8,83,45,83,41,false,Sell,Trim extended winner -1%,4,-32,BrokerD,VWAP,88,None,None,Normal monitoring,53,-58,95,4,false,Within IPS guidelines
P8282,Opportunistic,Trust,USD,2025-08-14,954270,30540,923730,1.0,64.9,18.4,9.1,7.6,MSFT:19.2%;HYG:13.9%;XLF:23.0%;VTI:21.1%;BRK.B:23.0%,US:59.8;EU:18.7;APAC:10.4;EM:10.5;Other:0.6,Value:-1.0;Growth:+0.6;Quality:-0.9;Size:+0.2;Momentum:-0.6;LowVol:+0.5,MaxPos5%,10,35,6.1,trailing 7%,194,30.4,Bull,11.2,3.79,2.6,110,62,72,37,false,Buy,Add to core equity +1%,-13,-32,BrokerD,MKT,89,None,None,Normal monitoring,36,3,33,4,false,Increase defensive factor exposure
P8283,Systematic,IRA,USD,2025-09-01,895181,52904,842277,1.0,63.9,29.1,0.0,7.0,IEF:33.3%;QQQ:33.3%;BRK.B:33.3%,US:70.1;EU:17.5;APAC:7.3;EM:4.2;Other:0.9,Value:+0.8;Growth:-0.4;Quality:+0.2;Size:+0.8;Momentum:+0.6;LowVol:+1.0,NoDerivatives,5,30,4.7,trailing 9%,227,17.6,Volatile,28.6,3.6,3.4,162,61,68,78,true,Reduce,"Cut high-beta by 2-3%, add cash",17,-23,BrokerB,MKT,85,Drift>tolerance,Hedge,Allocation drift beyond policy bands,35,-42,28,4,false,Tighten stops on momentum names
P8284,Hands-off,IRA,USD,2025-07-27,396262,20340,375922,1.0,74.7,17.7,0.0,7.6,XLF:25.6%;TSLA:23.3%;IEF:25.6%;BND:25.6%,US:64.6;EU:12.4;APAC:6.8;EM:10.5;Other:5.8,Value:-0.4;Growth:-0.4;Quality:-0.1;Size:+0.5;Momentum:+0.3;LowVol:+1.0,ESGOnly,5,35,3.6,trailing 8%,129,19.1,Bull,11.8,4.37,2.0,84,69,81,54,false,Rebalance,Shift +1% to bonds from equity,6,7,BrokerD,LMT,99,None,None,Normal monitoring,65,-12,171,5,false,Monitor dispersion and breadth
P8285,Opportunistic,401k,USD,2025-01-29,304229,9665,294564,1.0,72.6,18.1,4.4,4.9,VNQ:22.0%;XLF:10.4%;QQQ:12.2%;AMZN:22.0%;TLT:11.4%;HYG:22.0%,US:71.5;EU:14.1;APAC:9.6;EM:4.7;Other:0.1,Value:+0.7;Growth:-0.2;Quality:+0.2;Size:+0.2;Momentum:+0.9;LowVol:+0.9,MaxPos8%,10,30,6.3,trailing 9%,210,20.3,Bear,31.1,3.34,2.5,173,-112,5,82,true,Reduce,"Cut high-beta by 2-3%, add cash",22,-14,BrokerC,MKT,93,VAR>budget,Hedge,Risk above budget threshold,15,-39,147,5,false,Within IPS guidelines
P8286,Cautious,Roth,USD,2025-07-05,209265,21027,188238,1.0,47.7,30.3,7.6,14.3,GLD:21.0%;TLT:26.3%;AMZN:26.3%;VNQ:26.3%,US:68.4;EU:15.5;APAC:8.0;EM:8.0;Other:0.2,Value:+0.1;Growth:-0.2;Quality:-0.5;Size:0.0;Momentum:-1.0;LowVol:+0.9,NoMargin,7,30,5.3,trailing 10%,136,19.4,Bull,16.9,4.85,2.2,113,63,81,48,false,Rebalance,Shift +1% to bonds from equity,-2,-3,BrokerA,MKT,94,None,None,Normal monitoring,-41,-18,52,4,false,Monitor dispersion and breadth
P8287,Active,Taxable,USD,2025-01-24,540656,53587,487069,1.0,55.7,31.4,7.2,5.8,HYG:19.2%;VTI:18.8%;GLD:10.8%;AMZN:20.3%;BND:19.3%;VNQ:11.5%,US:73.3;EU:6.4;APAC:10.0;EM:6.3;Other:4.0,Value:-0.3;Growth:+0.8;Quality:-0.8;Size:+0.9;Momentum:-0.1;LowVol:+0.4,,8,30,4.7,trailing 8%,130,18.9,Sideways,17.8,4.16,3.1,120,41,63,59,false,NoAction,Within bands; monitor,32,12,BrokerC,VWAP,94,None,None,Normal monitoring,120,3,165,3,false,Within IPS guidelines
P8288,Systematic,Roth,USD,2025-05-03,1417727,93759,1323968,1.0,69.0,24.6,1.0,5.4,HYG:24.2%;VOO:17.3%;AAPL:24.2%;MSFT:11.8%;VTI:22.4%,US:76.6;EU:6.5;APAC:7.6;EM:5.0;Other:4.2,Value:+0.5;Growth:+0.1;Quality:+0.9;Size:-0.6;Momentum:+0.3;LowVol:-0.2,MaxPos7%,7,25,6.0,trailing 8%,230,26.3,Bull,16.3,4.95,3.5,77,6,66,46,false,Sell,Trim extended winner -1%,-3,-40,BrokerA,LMT,91,None,None,Normal monitoring,9,15,38,5,false,Tighten stops on momentum names
P8289,Opportunistic,Trust,USD,2024-07-31,1648398,69431,1578967,1.0,77.5,14.6,0.0,7.8,MSFT:27.8%;VOO:16.7%;IEF:27.8%;TLT:27.8%,US:66.7;EU:8.1;APAC:12.8;EM:7.3;Other:5.2,Value:-0.3;Growth:+0.4;Quality:-0.2;Size:-0.8;Momentum:-0.7;LowVol:+0.4,,7,35,4.6,trailing 7%,235,20.2,Bull,11.6,4.69,2.5,112,52,67,41,false,Sell,Trim extended winner -1%,26,7,BrokerC,LMT,96,None,None,Normal monitoring,-52,4,46,3,false,Tax-aware sells next window
P8290,Active,Roth,USD,2024-10-23,2326676,221277,2105399,1.0,57.9,27.6,8.6,5.9,XLF:8.4%;VTI:22.9%;AAPL:22.9%;QQQ:22.9%;VOO:22.9%,US:66.1;EU:14.0;APAC:11.5;EM:8.1;Other:0.3,Value:0.0;Growth:-0.1;Quality:-0.6;Size:+0.4;Momentum:-0.5;LowVol:-0.1,NoDerivatives,10,35,4.2,trailing 9%,229,21.5,Bear,31.7,4.16,2.3,154,-73,9,79,true,Rebalance,Rebalance back to target bands,5,-26,BrokerA,MKT,97,RegimeShift,Reduce,Volatility spike and breadth deterioration,26,-26,89,4,false,Monitor dispersion and breadth
P8291,Opportunistic,Taxable,USD,2025-01-19,1152615,59698,1092917,1.1,61.7,10.4,20.0,8.0,VOO:22.3%;VTI:25.9%;BRK.B:25.9%;XLF:25.9%,US:68.6;EU:12.6;APAC:5.7;EM:10.8;Other:2.3,Value:+0.9;Growth:+0.3;Quality:0.0;Size:-0.9;Momentum:-0.5;LowVol:+0.7,,10,25,6.6,trailing 7%,212,21.2,Volatile,30.5,4.21,2.1,134,59,75,79,true,Reduce,"Cut high-beta by 2-3%, add cash",4,-4,BrokerC,MKT,90,Drift>tolerance,Pause,Allocation drift beyond policy bands,31,-11,16,2,false,Tighten stops on momentum names
P8292,Hands-off,Roth,USD,2025-01-30,462557,19783,442774,1.0,68.8,24.0,0.0,7.2,AMZN:9.8%;VTI:22.5%;AAPL:22.3%;TSLA:14.0%;GLD:12.3%;VOO:19.1%,US:74.7;EU:5.9;APAC:13.0;EM:4.6;Other:1.8,Value:-0.8;Growth:+0.7;Quality:0.0;Size:-0.6;Momentum:+0.1;LowVol:-0.5,,10,35,3.1,trailing 8%,147,18.5,Sideways,14.2,4.2,2.4,94,-25,44,59,false,Buy,Add to core equity +1%,21,-1,BrokerD,MKT,94,None,None,Normal monitoring,-3,-36,121,5,false,Monitor dispersion and breadth
P8293,Hands-off,Taxable,USD,2025-05-26,218703,21545,197158,1.0,64.8,26.3,0.0,9.0,VOO:33.3%;GLD:33.3%;TLT:33.3%,US:79.8;EU:6.9;APAC:8.2;EM:3.5;Other:1.7,Value:-0.1;Growth:-0.3;Quality:+0.4;Size:+0.2;Momentum:-0.2;LowVol:-0.3,ESGOnly,10,30,3.1,trailing 8%,129,13.9,Volatile,30.8,4.95,4.1,171,40,70,80,true,Hedge,Buy index puts 1% notional,11,3,BrokerA,LMT,94,Drift>tolerance,Hedge,Allocation drift beyond policy bands,51,1,77,2,false,Increase defensive factor exposure
P8294,Opportunistic,401k,USD,2024-09-28,792164,63924,728240,1.0,62.3,20.7,9.3,7.8,AMZN:17.0%;BRK.B:31.8%;BND:31.8%;VOO:19.4%,US:61.7;EU:19.0;APAC:9.7;EM:7.1;Other:2.5,Value:+0.3;Growth:-0.8;Quality:+1.0;Size:-0.2;Momentum:+0.7;LowVol:-0.7,,10,35,4.4,trailing 9%,179,30.6,Bear,23.3,3.17,1.6,172,-17,44,69,true,Hedge,Buy index puts 1% notional,-4,-7,BrokerB,VWAP,99,Drift>tolerance,Reduce,Allocation drift beyond policy bands,14,-41,50,2,false,Tax-aware sells next window
P8295,Cautious,Trust,USD,2025-09-26,819720,93570,726150,1.0,43.9,33.0,8.9,14.3,VTI:25.7%;BRK.B:25.7%;BND:23.0%;VOO:25.6%,US:61.9;EU:16.2;APAC:10.3;EM:7.8;Other:3.8,Value:-0.8;Growth:+0.4;Quality:-1.0;Size:+0.7;Momentum:+0.2;LowVol:+0.8,MaxPos7%;NoMargin,7,25,4.1,hard 10%,136,13.8,Sideways,16.9,3.89,3.3,138,-16,47,30,false,Rebalance,Shift +1% to bonds from equity,-3,1,BrokerD,VWAP,92,None,None,Normal monitoring,58,-27,155,3,false,Monitor dispersion and breadth
P8296,Active,401k,USD,2025-08-24,1293131,89224,1203907,1.0,57.1,29.4,6.8,6.7,HYG:33.3%;XLF:33.3%;AMZN:33.3%,US:70.0;EU:11.3;APAC:5.6;EM:9.3;Other:3.8,Value:+0.3;Growth:-1.0;Quality:-0.1;Size:-0.5;Momentum:+0.4;LowVol:-0.2,NoDerivatives,6,30,5.0,trailing 8%,145,24.2,Sideways,14.5,4.26,3.3,116,0,58,38,false,Rebalance,Shift +1% to bonds from equity,22,-19,BrokerA,VWAP,85,None,None,Normal monitoring,2,-55,117,4,false,Within IPS guidelines
P8297,Hands-off,401k,USD,2025-08-28,492611,33058,459553,1.0,64.1,25.4,5.5,5.0,XLF:32.6%;TLT:33.7%;HYG:33.7%,US:67.0;EU:17.7;APAC:6.4;EM:8.6;Other:0.3,Value:-0.8;Growth:+0.8;Quality:+0.6;Size:+0.3;Momentum:-1.0;LowVol:0.0,ESGOnly;MaxPos6%;NoDerivatives,8,35,3.1,trailing 8%,114,19.6,Bull,12.8,3.55,2.7,81,35,82,42,false,Rebalance,Shift +1% to bonds from equity,33,-3,BrokerC,VWAP,92,None,None,Normal monitoring,12,-27,4,3,false,Increase defensive factor exposure
P8298,Cautious,401k,USD,2025-11-06,403540,60237,343303,1.0,47.7,38.7,0.0,13.6,IEF:11.4%;VOO:15.2%;TSLA:21.9%;VNQ:21.9%;TLT:21.7%;AAPL:7.9%,US:70.5;EU:14.0;APAC:8.5;EM:7.0;Other:0.0,Value:+0.5;Growth:-0.1;Quality:-1.0;Size:-0.5;Momentum:+0.8;LowVol:-0.7,ESGOnly;NoDerivatives;NoMargin,6,25,5.0,hard 10%,106,19.3,Bull,11.1,4.14,3.5,85,105,100,37,false,Rebalance,Shift +1% to bonds from equity,14,-6,BrokerB,MKT,89,None,None,Normal monitoring,31,8,112,4,false,Monitor dispersion and breadth
P8299,Active,Taxable,USD,2025-04-12,934466,60360,874106,1.0,63.2,27.8,1.8,7.2,BRK.B:28.4%;VOO:28.4%;MSFT:28.4%;GLD:14.7%,US:66.6;EU:14.4;APAC:9.8;EM:8.4;Other:0.8,Value:-0.1;Growth:-0.2;Quality:+0.6;Size:-0.8;Momentum:-0.7;LowVol:+0.1,MaxPos5%;NoDerivatives,5,25,5.4,hard 12%,170,26.8,Volatile,21.5,4.43,3.6,125,-52,17,58,false,Sell,Trim extended winner -1%,-1,-19,BrokerB,VWAP,85,None,None,Normal monitoring,47,-37,59,3,false,Monitor dispersion and breadth
P8300,Hands-off,401k,USD,2025-08-03,733073,51996,681077,1.0,67.0,26.5,0.0,6.5,AMZN:22.6%;BRK.B:15.1%;HYG:17.2%;QQQ:22.6%;GLD:13.3%;AAPL:9.3%,US:65.4;EU:16.8;APAC:11.0;EM:3.5;Other:3.3,Value:-0.1;Growth:+0.3;Quality:-0.4;Size:-1.0;Momentum:+0.4;LowVol:+0.9,ESGOnly;NoDerivatives,8,30,4.5,hard 10%,98,14.4,Volatile,22.9,4.61,4.1,167,77,76,58,false,Sell,Trim extended winner -1%,1,-32,BrokerA,MKT,87,None,None,Normal monitoring,0,-48,103,3,false,Monitor dispersion and breadth
P8301,Systematic,IRA,USD,2025-08-09,1925064,114849,1810215,1.0,56.1,31.5,4.1,8.3,VTI:24.6%;IEF:24.3%;TSLA:25.5%;HYG:25.5%,US:64.5;EU:8.0;APAC:9.3;EM:12.2;Other:6.0,Value:+0.1;Growth:-0.4;Quality:-0.5;Size:-0.6;Momentum:-0.0;LowVol:+0.2,,5,35,5.3,trailing 9%,162,27.2,Bull,17.9,3.74,3.4,79,114,100,55,false,Rebalance,Shift +1% to bonds from equity,9,-32,BrokerB,MKT,95,None,None,Normal monitoring,37,-4,103,3,false,Tighten stops on momentum names
P8302,Opportunistic,Taxable,USD,2025-12-19,1253390,39443,1213947,1.0,77.9,10.8,6.7,4.5,BRK.B:8.0%;VOO:22.3%;AAPL:13.7%;XLF:22.3%;VNQ:22.3%;GLD:11.3%,US:61.8;EU:17.1;APAC:8.7;EM:10.8;Other:1.5,Value:+0.9;Growth:-0.2;Quality:+0.3;Size:-0.1;Momentum:-0.0;LowVol:-0.2,MaxPos8%,10,25,5.8,trailing 7%,232,30.4,Bull,13.0,4.45,3.1,78,40,58,48,false,Sell,Trim extended winner -1%,6,-22,BrokerA,MKT,95,None,None,Normal monitoring,105,5,193,4,false,Increase defensive factor exposure
P8303,Cautious,IRA,USD,2024-10-02,584797,57551,527246,1.0,51.0,39.3,0.0,9.7,MSFT:33.7%;VNQ:32.5%;MUB:33.7%,US:69.7;EU:14.4;APAC:9.6;EM:5.0;Other:1.3,Value:-0.7;Growth:-0.1;Quality:-0.4;Size:+0.8;Momentum:0.0;LowVol:+0.5,MaxPos8%;NoDerivatives;NoMargin,5,25,5.0,trailing 8%,111,13.7,Bull,17.8,3.98,3.1,104,106,91,41,true,Reduce,"Cut high-beta by 2-3%, add cash",-3,-26,BrokerD,MKT,89,VAR>budget,Pause,Risk above budget threshold,91,14,191,5,false,Tax-aware sells next window
P8304,Hands-off,Roth,USD,2025-03-07,160817,10620,150197,1.0,65.3,25.3,0.0,9.4,HYG:20.4%;VOO:15.2%;GLD:14.2%;MSFT:20.7%;BND:13.4%;TSLA:16.1%,US:76.0;EU:6.7;APAC:6.5;EM:4.8;Other:6.0,Value:+0.5;Growth:-0.8;Quality:-0.9;Size:-0.5;Momentum:+0.7;LowVol:-0.9,NoDerivatives,7,35,5.1,trailing 10%,119,16.4,Volatile,28.1,4.68,3.2,130,-20,30,79,true,Reduce,"Cut high-beta by 2-3%, add cash",9,-7,BrokerA,MKT,95,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-33,-8,0,3,false,Monitor dispersion and breadth
P8305,Hands-off,IRA,USD,2024-10-26,801001,64393,736608,1.0,60.8,29.6,0.0,9.5,AAPL:19.1%;VTI:21.3%;BRK.B:21.3%;MSFT:17.0%;AMZN:21.3%,US:70.3;EU:7.8;APAC:11.9;EM:5.1;Other:4.9,Value:+0.4;Growth:-0.4;Quality:-0.2;Size:-0.9;Momentum:+0.9;LowVol:-0.3,ESGOnly,8,30,3.9,trailing 8%,93,14.8,Bull,11.1,3.96,2.2,83,109,100,44,true,Reduce,"Cut high-beta by 2-3%, add cash",8,-2,BrokerD,VWAP,93,VAR>budget,TightenStops,Risk above budget threshold,52,15,158,2,false,Monitor dispersion and breadth
P8306,Opportunistic,Taxable,USD,2025-06-14,1611766,76532,1535234,1.0,72.6,19.7,0.0,7.7,QQQ:33.3%;MSFT:33.3%;XLF:33.3%,US:58.2;EU:20.5;APAC:9.9;EM:8.1;Other:3.3,Value:+0.9;Growth:-0.6;Quality:-1.0;Size:+0.7;Momentum:+0.4;LowVol:-0.1,,5,30,4.4,trailing 7%,255,30.1,Bull,12.5,4.21,2.8,114,86,100,44,true,Hedge,Buy index puts 1% notional,22,1,BrokerC,MKT,94,Drift>tolerance,Hedge,Allocation drift beyond policy bands,81,-43,140,2,false,Within IPS guidelines
P8307,Systematic,401k,USD,2025-02-19,1082378,96615,985763,1.0,56.6,25.2,9.4,8.8,MUB:18.7%;HYG:10.3%;XLF:23.7%;BRK.B:23.7%;VNQ:23.7%,US:65.5;EU:15.5;APAC:7.7;EM:11.0;Other:0.3,Value:+0.7;Growth:-0.6;Quality:+0.1;Size:-0.2;Momentum:-0.2;LowVol:+0.3,,6,35,5.8,hard 12%,175,26.3,Bull,12.9,4.94,2.6,102,67,86,46,false,Rebalance,Shift +1% to bonds from equity,-9,12,BrokerC,LMT,100,None,None,Normal monitoring,68,18,28,5,false,Tighten stops on momentum names
P8308,Cautious,Taxable,USD,2025-05-30,731735,89708,642027,1.0,37.7,44.2,1.4,16.7,QQQ:8.9%;VOO:21.4%;TSLA:14.9%;AAPL:20.2%;HYG:21.4%;MSFT:13.2%,US:72.5;EU:7.8;APAC:7.1;EM:8.2;Other:4.4,Value:-0.2;Growth:+0.5;Quality:-0.9;Size:+0.7;Momentum:+0.7;LowVol:-0.7,MaxPos5%;NoDerivatives;NoMargin,7,25,3.7,trailing 8%,160,15.0,Volatile,22.8,4.2,2.6,124,9,69,54,false,Buy,Add to core equity +1%,3,-5,BrokerA,VWAP,95,None,None,Normal monitoring,104,-15,101,4,false,Tax-aware sells next window
P8309,Opportunistic,401k,USD,2024-11-14,1306386,105028,1201358,1.21,69.6,14.9,10.9,4.6,IEF:27.6%;AMZN:27.6%;TSLA:20.6%;MUB:24.2%,US:69.5;EU:18.8;APAC:6.6;EM:4.9;Other:0.2,Value:+0.5;Growth:-0.3;Quality:-0.2;Size:-0.3;Momentum:-0.4;LowVol:+0.1,,8,35,5.5,trailing 7%,209,26.9,Sideways,16.3,3.92,2.9,105,51,70,55,false,Rebalance,Shift +1% to bonds from equity,11,-28,BrokerB,MKT,97,None,None,Normal monitoring,-54,16,86,3,false,Within IPS guidelines
P8310,Active,401k,USD,2024-12-24,1875702,142007,1733695,1.0,57.5,27.9,5.4,9.1,VOO:34.0%;HYG:31.9%;GLD:34.0%,US:54.6;EU:19.7;APAC:13.3;EM:7.0;Other:5.3,Value:-0.3;Growth:-1.0;Quality:-0.3;Size:+0.4;Momentum:+0.4;LowVol:-0.9,MaxPos8%,8,30,5.7,hard 12%,220,22.9,Bull,16.7,4.88,2.5,108,53,77,56,true,Hedge,Buy index puts 1% notional,20,-21,BrokerC,MKT,92,Drift>tolerance,Pause,Allocation drift beyond policy bands,114,-35,82,3,false,Increase defensive factor exposure
P8311,Opportunistic,401k,USD,2024-07-29,810038,49105,760933,1.07,75.6,10.1,6.4,7.9,MUB:18.7%;BND:23.3%;HYG:11.4%;MSFT:23.3%;QQQ:23.3%,US:63.4;EU:18.7;APAC:6.2;EM:10.6;Other:1.1,Value:-0.5;Growth:+0.4;Quality:-0.7;Size:-0.8;Momentum:+0.9;LowVol:-0.9,MaxPos5%,6,35,6.7,trailing 9%,196,26.8,Bull,12.0,3.6,2.0,97,3,48,50,false,NoAction,Within bands; monitor,10,-7,BrokerD,MKT,0,None,None,Normal monitoring,16,7,-19,4,false,Increase defensive factor exposure
P8312,Systematic,Roth,USD,2025-11-25,1544901,85641,1459260,1.0,59.3,21.7,9.0,10.0,BRK.B:20.3%;IEF:8.1%;TSLA:19.3%;BND:15.8%;VOO:19.1%;VNQ:17.4%,US:56.1;EU:18.1;APAC:12.0;EM:8.7;Other:5.1,Value:+0.8;Growth:+0.3;Quality:+0.1;Size:+0.7;Momentum:+0.2;LowVol:-0.2,MaxPos6%,10,30,5.6,hard 12%,222,24.9,Volatile,30.1,4.37,2.5,133,-8,36,85,true,Hedge,Buy index puts 1% notional,6,-9,BrokerC,LMT,97,RegimeShift,Reduce,Volatility spike and breadth deterioration,13,-49,113,3,true,Tax-aware sells next window
P8313,Cautious,Roth,USD,2025-02-20,546523,50579,495944,1.0,39.4,41.5,9.2,10.0,TLT:33.3%;TSLA:33.3%;IEF:33.3%,US:77.2;EU:7.3;APAC:9.1;EM:6.1;Other:0.3,Value:-0.5;Growth:-0.2;Quality:+0.6;Size:-0.3;Momentum:-0.4;LowVol:-0.7,ESGOnly;NoDerivatives;NoMargin,10,30,6.0,trailing 8%,165,19.0,Sideways,14.6,3.51,2.6,98,55,72,22,true,Hedge,Buy index puts 1% notional,32,-28,BrokerB,MKT,91,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-27,-36,40,2,true,Within IPS guidelines
P8314,Active,IRA,USD,2024-09-01,2158898,239711,1919187,1.14,57.5,18.4,15.2,8.9,TSLA:16.1%;VOO:28.0%;MSFT:28.0%;BND:28.0%,US:65.1;EU:20.4;APAC:7.0;EM:7.2;Other:0.3,Value:-0.1;Growth:-0.4;Quality:+0.4;Size:+0.2;Momentum:0.0;LowVol:-0.7,,5,35,5.4,trailing 8%,166,17.5,Bear,31.9,4.32,2.1,131,-87,7,79,true,Reduce,"Cut high-beta by 2-3%, add cash",4,-18,BrokerD,LMT,88,VAR>budget,Reduce,Risk above budget threshold,70,-31,44,4,false,Tax-aware sells next window
P8315,Hands-off,401k,USD,2024-09-30,346082,25649,320433,1.0,56.7,15.9,21.5,5.9,MUB:33.3%;VOO:33.3%;HYG:33.3%,US:68.0;EU:16.6;APAC:5.8;EM:4.8;Other:4.8,Value:+0.9;Growth:-0.4;Quality:-0.6;Size:+0.9;Momentum:+0.2;LowVol:-1.0,MaxPos7%;NoDerivatives,5,35,5.6,trailing 10%,110,19.6,Bull,12.9,3.52,2.6,84,70,72,33,false,Rebalance,Shift +1% to bonds from equity,-15,-8,BrokerC,LMT,88,None,None,Normal monitoring,30,11,11,4,false,Monitor dispersion and breadth
P8316,Cautious,Trust,USD,2025-11-30,312824,42127,270697,1.0,51.2,37.8,0.0,11.0,TSLA:12.6%;VTI:29.1%;MUB:29.1%;GLD:29.1%,US:63.8;EU:15.6;APAC:6.4;EM:10.2;Other:4.0,Value:+0.5;Growth:+0.3;Quality:-0.8;Size:+0.4;Momentum:+0.1;LowVol:-0.5,NoMargin,7,25,5.1,trailing 10%,94,14.7,Volatile,21.7,3.68,2.5,160,-28,35,44,true,Rebalance,Rebalance back to target bands,-11,-27,BrokerA,MKT,95,RegimeShift,Reduce,Volatility spike and breadth deterioration,13,-58,141,5,false,Tax-aware sells next window
P8317,Hands-off,Taxable,USD,2024-10-10,469500,19513,449987,1.0,69.4,23.5,0.0,7.1,XLF:25.3%;BND:13.3%;QQQ:25.3%;TLT:11.0%;BRK.B:25.3%,US:70.0;EU:9.5;APAC:5.7;EM:10.6;Other:4.2,Value:+0.9;Growth:-0.7;Quality:+0.5;Size:-0.6;Momentum:+0.7;LowVol:+0.6,ESGOnly;NoDerivatives,6,25,4.9,hard 10%,91,16.5,Volatile,20.9,3.93,2.2,140,5,43,59,false,Sell,Trim extended winner -1%,-2,-30,BrokerB,MKT,86,None,None,Normal monitoring,80,-60,110,3,false,Increase defensive factor exposure
P8318,Cautious,Taxable,USD,2025-01-16,170968,24960,146008,1.0,42.6,43.9,0.0,13.5,XLF:28.2%;AAPL:27.1%;AMZN:16.5%;IEF:28.2%,US:66.0;EU:6.7;APAC:17.1;EM:8.3;Other:1.8,Value:+0.7;Growth:-0.5;Quality:+0.8;Size:-0.5;Momentum:-0.5;LowVol:+0.8,MaxPos5%;NoMargin,5,30,5.0,hard 10%,131,13.5,Bull,13.9,4.86,2.2,83,42,73,25,false,Rebalance,Shift +1% to bonds from equity,33,6,BrokerD,VWAP,93,None,None,Normal monitoring,42,-9,101,3,false,Tighten stops on momentum names
P8319,Active,Taxable,USD,2024-07-26,1726692,119890,1606802,1.0,55.0,21.5,17.7,5.9,BND:25.9%;XLF:11.6%;HYG:10.8%;MSFT:25.9%;BRK.B:25.9%,US:75.9;EU:8.6;APAC:5.2;EM:8.9;Other:1.4,Value:+0.4;Growth:+0.4;Quality:-1.0;Size:-0.2;Momentum:+1.0;LowVol:-0.5,,6,25,5.9,trailing 9%,122,16.8,Bull,16.8,3.54,3.2,71,93,87,49,false,NoAction,Within bands; monitor,-15,3,BrokerD,MKT,0,None,None,Normal monitoring,48,-30,126,4,false,Within IPS guidelines
P8320,Hands-off,Trust,USD,2025-01-13,630919,56932,573987,1.0,67.6,23.0,0.0,9.4,TSLA:27.8%;VTI:27.8%;MUB:27.8%;BND:16.6%,US:70.4;EU:14.9;APAC:10.6;EM:3.9;Other:0.3,Value:-0.5;Growth:-0.7;Quality:-0.4;Size:-0.8;Momentum:-0.8;LowVol:+0.4,ESGOnly;MaxPos6%;NoDerivatives,5,30,4.8,hard 10%,168,13.1,Bull,12.7,4.58,2.0,77,13,45,51,true,Reduce,"Cut high-beta by 2-3%, add cash",11,7,BrokerB,LMT,89,VAR>budget,Reduce,Risk above budget threshold,-34,-20,104,2,false,Increase defensive factor exposure
P8321,Hands-off,Trust,USD,2025-01-08,601069,45601,555468,1.0,67.0,26.0,0.0,7.1,HYG:27.2%;IEF:27.2%;BRK.B:27.2%;AAPL:18.5%,US:64.0;EU:14.1;APAC:7.0;EM:9.5;Other:5.4,Value:-0.3;Growth:+0.8;Quality:-0.5;Size:+0.5;Momentum:+0.8;LowVol:-0.2,,5,35,3.2,trailing 8%,104,14.9,Bear,22.9,3.82,1.3,157,-22,26,74,true,Hedge,Buy index puts 1% notional,13,-26,BrokerB,LMT,93,Drift>tolerance,Hedge,Allocation drift beyond policy bands,110,1,137,5,false,Increase defensive factor exposure
P8322,Active,IRA,USD,2024-11-09,558276,51419,506857,1.0,67.7,22.1,1.8,8.4,TLT:20.7%;MUB:22.2%;VNQ:15.0%;QQQ:8.6%;AMZN:22.2%;IEF:11.3%,US:59.4;EU:19.0;APAC:11.9;EM:8.4;Other:1.2,Value:-0.4;Growth:-0.3;Quality:+0.2;Size:+1.0;Momentum:+0.7;LowVol:+0.9,MaxPos6%,8,25,5.3,hard 12%,129,16.0,Bull,16.7,4.5,3.3,119,107,100,49,false,Rebalance,Shift +1% to bonds from equity,7,7,BrokerB,LMT,100,None,None,Normal monitoring,33,-14,49,3,false,Monitor dispersion and breadth
P8323,Systematic,Roth,USD,2025-11-01,827312,45006,782306,1.0,59.2,28.3,4.4,8.1,IEF:33.3%;AMZN:33.3%;BRK.B:33.3%,US:59.9;EU:16.9;APAC:9.1;EM:8.8;Other:5.2,Value:-0.3;Growth:+0.3;Quality:0.0;Size:+0.1;Momentum:+0.7;LowVol:+1.0,,5,30,5.8,trailing 8%,126,26.1,Volatile,31.1,5.2,2.2,120,15,54,70,false,Rebalance,Shift +1% to bonds from equity,12,6,BrokerB,MKT,85,None,None,Normal monitoring,48,-40,78,4,false,Monitor dispersion and breadth
P8324,Cautious,401k,USD,2025-06-17,248440,33899,214541,1.0,41.4,32.1,14.4,12.1,BRK.B:34.4%;TLT:29.9%;BND:35.7%,US:73.6;EU:6.8;APAC:8.1;EM:8.4;Other:3.1,Value:-0.7;Growth:+0.1;Quality:+0.2;Size:-0.3;Momentum:+0.1;LowVol:-0.8,NoMargin,6,25,3.4,trailing 8%,156,17.7,Sideways,14.9,4.0,3.1,90,14,58,27,false,Rebalance,Shift +1% to bonds from equity,28,-4,BrokerC,MKT,88,None,None,Normal monitoring,-33,-8,17,4,false,Tighten stops on momentum names
P8325,Hands-off,Roth,USD,2025-06-19,520360,49167,471193,1.0,58.8,29.8,5.5,5.9,GLD:25.6%;AAPL:25.6%;VTI:12.5%;XLF:25.6%;BND:10.8%,US:70.0;EU:12.8;APAC:7.2;EM:7.6;Other:2.4,Value:+0.6;Growth:+0.3;Quality:+0.4;Size:+0.3;Momentum:-0.5;LowVol:-0.2,ESGOnly,7,25,4.1,trailing 8%,131,13.7,Volatile,30.7,4.27,2.0,145,47,59,68,false,Rebalance,Shift +1% to bonds from equity,17,-8,BrokerB,VWAP,85,None,None,Normal monitoring,39,7,59,5,false,Monitor dispersion and breadth
P8326,Hands-off,Trust,USD,2025-04-13,736386,54545,681841,1.0,58.9,21.2,12.1,7.8,MUB:36.8%;BRK.B:36.8%;VOO:26.5%,US:69.2;EU:12.2;APAC:11.1;EM:5.9;Other:1.6,Value:+0.1;Growth:+0.5;Quality:-0.4;Size:-0.5;Momentum:+0.3;LowVol:-0.1,ESGOnly;NoDerivatives,7,30,3.9,trailing 10%,122,17.4,Bull,13.2,3.96,2.6,117,51,87,36,false,Rebalance,Shift +1% to bonds from equity,2,-11,BrokerD,LMT,91,None,None,Normal monitoring,-47,-20,7,3,false,Monitor dispersion and breadth
P8327,Active,Taxable,USD,2025-06-30,1962592,201094,1761498,1.0,59.0,18.7,17.2,5.0,AAPL:12.6%;AMZN:21.5%;BRK.B:8.9%;VNQ:19.3%;GLD:16.2%;HYG:21.5%,US:69.8;EU:11.0;APAC:9.7;EM:5.9;Other:3.6,Value:+0.2;Growth:-0.5;Quality:-0.4;Size:-1.0;Momentum:-0.7;LowVol:0.0,,8,30,5.4,trailing 8%,177,22.1,Bull,11.4,4.77,3.4,119,57,93,45,false,Buy,Add to core equity +1%,12,13,BrokerB,VWAP,89,None,None,Normal monitoring,-39,-31,12,3,false,Within IPS guidelines
P8328,Active,Roth,USD,2025-12-15,1562335,110344,1451991,1.0,61.2,23.2,8.6,7.0,MSFT:24.8%;HYG:12.9%;AMZN:24.8%;XLF:12.7%;VTI:24.8%,US:59.6;EU:13.8;APAC:12.0;EM:12.8;Other:1.8,Value:+0.9;Growth:-0.6;Quality:+0.5;Size:-0.8;Momentum:+0.8;LowVol:+0.9,NoDerivatives,8,30,4.1,trailing 8%,166,22.6,Volatile,25.3,3.92,4.1,117,46,68,60,false,Rebalance,Shift +1% to bonds from equity,9,-21,BrokerA,LMT,100,None,None,Normal monitoring,118,-15,120,4,false,Monitor dispersion and breadth
P8329,Hands-off,401k,USD,2025-02-28,308660,14868,293792,1.0,68.4,23.2,0.0,8.3,VTI:27.6%;TSLA:25.2%;TLT:27.6%;AAPL:19.5%,US:66.0;EU:12.6;APAC:8.7;EM:11.1;Other:1.6,Value:+0.7;Growth:-0.1;Quality:-0.0;Size:-0.8;Momentum:-0.3;LowVol:-0.4,ESGOnly;MaxPos8%;NoDerivatives,5,30,4.2,trailing 8%,159,19.1,Volatile,20.8,5.47,2.3,165,-32,29,53,false,Buy,Add to core equity +1%,34,3,BrokerC,LMT,88,None,None,Normal monitoring,45,-15,120,5,false,Increase defensive factor exposure
P8330,Active,Roth,USD,2025-03-28,2246991,252209,1994782,1.13,50.8,27.8,16.4,5.0,BND:12.0%;MUB:20.6%;BRK.B:25.5%;MSFT:16.4%;VTI:25.5%,US:64.9;EU:15.5;APAC:7.8;EM:8.0;Other:3.7,Value:-0.2;Growth:-0.4;Quality:-0.9;Size:+1.0;Momentum:+0.9;LowVol:-1.0,MaxPos8%,8,25,6.0,hard 12%,128,22.0,Sideways,18.0,3.51,2.5,125,16,60,36,false,Buy,Add to core equity +1%,24,-31,BrokerA,MKT,89,None,None,Normal monitoring,-29,15,-53,3,false,Within IPS guidelines
P8331,Active,Roth,USD,2024-11-16,2242800,186582,2056218,1.2,63.1,20.3,9.8,6.8,TSLA:28.9%;HYG:13.2%;VTI:28.9%;MUB:28.9%,US:64.2;EU:20.7;APAC:10.5;EM:4.6;Other:0.1,Value:+0.2;Growth:-0.5;Quality:-0.2;Size:-0.1;Momentum:+0.8;LowVol:-0.6,MaxPos5%,10,30,5.4,trailing 9%,133,25.4,Volatile,28.9,4.5,3.2,159,-2,51,75,true,Hedge,Buy index puts 1% notional,16,-16,BrokerA,VWAP,91,RegimeShift,TightenStops,Volatility spike and breadth deterioration,70,19,109,4,false,Tighten stops on momentum names
P8332,Cautious,Taxable,USD,2025-06-24,420686,66463,354223,1.0,41.9,34.1,9.7,14.3,GLD:17.2%;HYG:22.1%;AMZN:18.4%;VNQ:20.2%;AAPL:22.1%,US:58.4;EU:19.9;APAC:13.5;EM:4.3;Other:3.9,Value:+0.6;Growth:+0.7;Quality:-0.8;Size:-0.2;Momentum:+0.7;LowVol:-0.9,MaxPos7%;NoMargin,6,35,5.8,trailing 8%,104,16.7,Sideways,20.1,3.77,3.3,117,22,65,46,false,Sell,Trim extended winner -1%,17,-40,BrokerC,LMT,89,None,None,Normal monitoring,114,-49,232,5,false,Tighten stops on momentum names
P8333,Systematic,Trust,USD,2025-10-27,1680473,90321,1590152,1.0,64.8,27.2,0.0,8.0,TSLA:33.3%;XLF:33.3%;MSFT:33.3%,US:59.2;EU:16.7;APAC:11.9;EM:11.7;Other:0.6,Value:-1.0;Growth:+0.6;Quality:+0.6;Size:0.0;Momentum:+0.9;LowVol:-0.5,,8,30,4.4,trailing 9%,197,21.8,Bull,17.3,4.67,3.3,118,57,72,59,false,Sell,Trim extended winner -1%,-2,10,BrokerB,VWAP,87,None,None,Normal monitoring,6,-59,16,5,false,Increase defensive factor exposure
P8334,Systematic,IRA,USD,2024-10-20,1523700,134070,1389630,1.0,67.5,21.5,4.2,6.8,BRK.B:21.0%;MSFT:13.9%;VOO:24.0%;TLT:24.0%;GLD:17.2%,US:59.6;EU:15.4;APAC:12.1;EM:10.2;Other:2.6,Value:-0.8;Growth:+0.4;Quality:-0.4;Size:-0.4;Momentum:+0.9;LowVol:-0.1,MaxPos7%;NoDerivatives,10,25,4.5,trailing 8%,228,22.8,Volatile,20.9,5.41,4.2,112,21,56,55,false,Sell,Trim extended winner -1%,2,-30,BrokerC,LMT,98,None,None,Normal monitoring,43,-19,36,5,false,Monitor dispersion and breadth
P8335,Opportunistic,Taxable,USD,2025-04-22,1355351,99144,1256207,1.0,60.3,19.1,14.3,6.3,AMZN:10.9%;MSFT:20.7%;VOO:8.1%;AAPL:20.3%;QQQ:20.7%;BRK.B:19.4%,US:61.0;EU:17.8;APAC:7.1;EM:9.8;Other:4.3,Value:+0.5;Growth:+0.4;Quality:+0.8;Size:-0.8;Momentum:+0.7;LowVol:+0.4,MaxPos5%,6,25,5.9,trailing 9%,217,30.7,Bull,15.6,4.97,2.7,81,42,76,41,false,Rebalance,Shift +1% to bonds from equity,-11,-12,BrokerB,MKT,92,None,None,Normal monitoring,12,-11,70,5,false,Monitor dispersion and breadth
P8336,Opportunistic,IRA,USD,2025-12-21,1653672,96671,1557001,1.0,65.8,14.6,12.1,7.6,BRK.B:33.3%;VNQ:33.3%;AAPL:33.3%,US:69.6;EU:10.0;APAC:12.3;EM:3.8;Other:4.3,Value:+0.3;Growth:-0.1;Quality:+0.2;Size:+0.9;Momentum:0.0;LowVol:-0.1,MaxPos5%,7,30,6.3,hard 12%,184,31.6,Bull,13.3,4.41,2.1,95,79,100,50,false,Rebalance,Shift +1% to bonds from equity,-11,-4,BrokerC,LMT,96,None,None,Normal monitoring,-27,17,29,5,false,Tax-aware sells next window
P8337,Active,401k,USD,2024-10-28,807513,75507,732006,1.0,69.2,19.5,5.3,6.0,GLD:12.0%;TLT:11.8%;HYG:15.7%;IEF:20.7%;XLF:19.1%;AAPL:20.7%,US:61.5;EU:21.2;APAC:10.1;EM:3.3;Other:4.0,Value:+0.7;Growth:-0.1;Quality:+0.8;Size:-0.9;Momentum:-0.8;LowVol:+0.7,,10,30,4.2,trailing 8%,199,16.8,Bull,11.3,3.72,2.5,106,106,96,51,true,Reduce,"Cut high-beta by 2-3%, add cash",8,-3,BrokerB,VWAP,93,RegimeShift,Hedge,Volatility spike and breadth deterioration,80,-51,128,2,false,Tighten stops on momentum names
P8338,Systematic,Roth,USD,2025-03-08,1777644,93741,1683903,1.0,69.0,25.4,0.0,5.7,BRK.B:26.2%;AAPL:25.9%;BND:21.7%;XLF:26.2%,US:74.5;EU:11.7;APAC:6.3;EM:6.2;Other:1.2,Value:+0.4;Growth:-0.6;Quality:+0.2;Size:+0.9;Momentum:-0.8;LowVol:+0.6,MaxPos8%,8,30,4.1,trailing 9%,191,19.6,Volatile,21.3,4.65,3.8,150,80,100,54,false,Rebalance,Shift +1% to bonds from equity,16,-30,BrokerA,LMT,92,None,None,Normal monitoring,-17,-54,-21,3,false,Tighten stops on momentum names
P8339,Hands-off,Trust,USD,2025-03-28,579474,56008,523466,1.0,66.9,17.8,7.2,8.1,AAPL:16.7%;TLT:14.6%;VTI:21.8%;BND:21.8%;HYG:17.4%;GLD:7.6%,US:72.0;EU:10.6;APAC:10.4;EM:2.9;Other:4.2,Value:+0.5;Growth:+0.7;Quality:-0.9;Size:-0.8;Momentum:-0.2;LowVol:+0.7,ESGOnly,8,30,3.9,trailing 8%,125,15.4,Sideways,20.1,4.27,3.0,134,40,60,51,false,Rebalance,Shift +1% to bonds from equity,34,-8,BrokerD,MKT,99,None,None,Normal monitoring,88,-35,163,5,false,Tax-aware sells next window
P8340,Active,Taxable,USD,2024-10-19,1443565,90800,1352765,1.1,67.0,20.5,3.8,8.7,QQQ:22.1%;MUB:22.1%;VOO:16.2%;TSLA:20.5%;BND:19.0%,US:67.8;EU:13.1;APAC:5.0;EM:10.4;Other:3.6,Value:0.0;Growth:-0.5;Quality:-0.8;Size:+1.0;Momentum:-0.6;LowVol:+0.8,MaxPos7%;NoDerivatives,5,25,4.7,trailing 9%,140,20.9,Sideways,19.6,4.26,2.1,120,34,56,69,false,Buy,Add to core equity +1%,33,0,BrokerB,MKT,85,None,None,Normal monitoring,115,-39,204,3,false,Within IPS guidelines
P8341,Opportunistic,401k,USD,2025-11-16,450713,31155,419558,1.0,65.9,13.8,14.0,6.3,VNQ:25.5%;TSLA:25.5%;XLF:25.5%;AMZN:23.4%,US:61.1;EU:17.4;APAC:13.2;EM:6.3;Other:2.1,Value:-0.1;Growth:-0.1;Quality:-0.3;Size:+0.4;Momentum:-0.9;LowVol:-0.6,MaxPos7%,8,25,6.1,trailing 9%,258,25.8,Bear,24.8,3.06,1.2,142,2,62,62,false,Buy,Add to core equity +1%,21,-14,BrokerA,LMT,89,None,None,Normal monitoring,-49,-28,30,5,false,Tighten stops on momentum names
P8342,Hands-off,Trust,USD,2025-06-26,230291,13796,216495,1.0,62.7,23.6,7.0,6.8,IEF:19.6%;MSFT:19.3%;TSLA:12.6%;QQQ:8.1%;AAPL:20.4%;TLT:20.1%,US:67.8;EU:19.2;APAC:6.8;EM:4.6;Other:1.6,Value:-0.6;Growth:-0.8;Quality:-0.9;Size:-0.4;Momentum:-0.7;LowVol:-0.8,ESGOnly;MaxPos8%,6,25,5.5,trailing 8%,135,18.3,Bear,26.2,4.04,1.9,198,19,50,60,false,Buy,Add to core equity +1%,0,0,BrokerC,VWAP,97,None,None,Normal monitoring,-42,-17,54,3,false,Within IPS guidelines
P8343,Cautious,Roth,USD,2025-03-02,690050,104958,585092,1.0,45.3,38.0,0.0,16.7,AMZN:29.4%;MSFT:35.3%;HYG:35.3%,US:62.8;EU:17.5;APAC:10.6;EM:4.0;Other:5.1,Value:-0.5;Growth:+0.2;Quality:-0.3;Size:-0.7;Momentum:+0.5;LowVol:+0.7,MaxPos6%;NoMargin,8,30,5.9,trailing 10%,146,13.3,Sideways,17.1,4.54,3.2,131,60,75,46,true,Hedge,Buy index puts 1% notional,1,2,BrokerB,MKT,91,RegimeShift,TightenStops,Volatility spike and breadth deterioration,-5,-39,87,5,false,Within IPS guidelines
P8344,Hands-off,Trust,USD,2024-11-28,406187,33320,372867,1.0,66.2,26.7,0.0,7.0,MUB:21.5%;GLD:12.1%;QQQ:15.6%;BRK.B:25.4%;VTI:25.4%,US:61.2;EU:18.9;APAC:8.3;EM:11.6;Other:0.0,Value:+1.0;Growth:-0.0;Quality:-0.7;Size:+0.9;Momentum:+0.3;LowVol:+0.7,MaxPos8%,10,35,3.1,trailing 8%,165,14.0,Volatile,27.0,4.96,3.3,110,-29,28,75,true,Hedge,Buy index puts 1% notional,-10,9,BrokerC,LMT,97,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-4,2,28,4,false,Tax-aware sells next window
P8345,Cautious,401k,USD,2025-09-24,329490,45817,283673,1.0,39.4,36.0,7.0,17.6,IEF:28.4%;AMZN:28.4%;MUB:14.9%;TSLA:28.4%,US:67.8;EU:8.5;APAC:11.0;EM:12.5;Other:0.2,Value:+0.3;Growth:+0.1;Quality:-0.3;Size:+0.1;Momentum:-0.3;LowVol:-0.8,ESGOnly;MaxPos7%;NoMargin,10,25,5.7,trailing 8%,135,19.4,Bear,30.3,3.75,1.1,168,-67,31,62,false,Sell,Trim extended winner -1%,-2,-21,BrokerB,LMT,97,None,None,Normal monitoring,-40,-19,41,5,false,Increase defensive factor exposure
P8346,Cautious,401k,USD,2025-09-17,787770,121749,666021,1.0,37.5,33.4,13.4,15.7,TLT:33.3%;TSLA:33.3%;AMZN:33.3%,US:77.1;EU:7.2;APAC:8.1;EM:5.7;Other:1.9,Value:-0.6;Growth:-0.2;Quality:0.0;Size:+0.6;Momentum:+0.7;LowVol:-0.4,ESGOnly;NoMargin,10,35,5.9,trailing 8%,150,15.2,Sideways,20.2,4.3,2.5,115,49,83,48,false,NoAction,Within bands; monitor,24,-13,BrokerB,MKT,0,None,None,Normal monitoring,32,1,151,5,false,Increase defensive factor exposure
P8347,Active,Roth,USD,2024-12-27,803713,83983,719730,1.0,65.2,29.7,0.0,5.1,MSFT:25.0%;XLF:25.0%;MUB:25.0%;HYG:25.0%,US:76.7;EU:12.1;APAC:7.0;EM:4.2;Other:0.0,Value:+0.4;Growth:+0.5;Quality:+0.1;Size:-0.0;Momentum:-0.7;LowVol:-1.0,,8,25,5.1,trailing 9%,165,16.8,Volatile,21.9,4.48,2.1,115,51,63,62,true,Rebalance,Rebalance back to target bands,-15,-8,BrokerB,LMT,95,RegimeShift,Pause,Volatility spike and breadth deterioration,26,-58,163,5,false,Tax-aware sells next window
P8348,Active,Roth,USD,2025-03-17,1621938,139894,1482044,1.0,65.3,28.3,0.0,6.4,TSLA:33.3%;TLT:33.3%;VOO:33.3%,US:72.7;EU:13.0;APAC:9.6;EM:3.3;Other:1.4,Value:-0.5;Growth:-0.2;Quality:-0.2;Size:+0.3;Momentum:-0.4;LowVol:+0.5,MaxPos5%,7,30,5.3,trailing 8%,203,22.0,Bull,16.0,4.25,2.7,80,33,61,50,false,Buy,Add to core equity +1%,4,-28,BrokerB,MKT,96,None,None,Normal monitoring,-18,-12,87,4,false,Within IPS guidelines
P8349,Hands-off,IRA,USD,2024-10-15,314507,26089,288418,1.0,61.4,25.6,5.1,7.9,XLF:9.0%;GLD:22.1%;TLT:21.8%;BRK.B:14.6%;MSFT:16.8%;VNQ:15.8%,US:68.2;EU:11.5;APAC:9.3;EM:6.5;Other:4.4,Value:-0.6;Growth:-0.2;Quality:+0.2;Size:-0.6;Momentum:-0.5;LowVol:-0.0,ESGOnly,6,30,3.2,trailing 8%,145,12.9,Sideways,17.5,4.8,2.3,115,-8,58,52,true,Reduce,"Cut high-beta by 2-3%, add cash",16,-1,BrokerD,VWAP,86,Drift>tolerance,Reduce,Allocation drift beyond policy bands,103,-43,170,3,false,Within IPS guidelines
P8350,Hands-off,IRA,USD,2025-09-01,216924,12677,204247,1.0,65.0,15.1,10.2,9.7,VNQ:30.9%;IEF:34.5%;QQQ:34.5%,US:63.7;EU:13.5;APAC:10.3;EM:10.2;Other:2.3,Value:-0.4;Growth:-0.3;Quality:-0.3;Size:-0.4;Momentum:-0.3;LowVol:-0.5,MaxPos5%,7,30,4.6,trailing 8%,166,16.2,Sideways,19.5,3.55,2.1,99,58,86,65,false,Hedge,Add TLT +1% as duration hedge,25,-34,BrokerA,VWAP,97,None,None,Normal monitoring,1,-26,24,5,false,Tax-aware sells next window
P8351,Opportunistic,Taxable,USD,2024-08-22,491423,18700,472723,1.0,62.3,13.5,18.5,5.7,IEF:21.2%;AMZN:21.2%;BRK.B:20.1%;AAPL:8.4%;HYG:15.5%;MSFT:13.6%,US:77.4;EU:5.4;APAC:10.1;EM:4.3;Other:2.7,Value:+0.1;Growth:+0.8;Quality:-0.4;Size:+0.8;Momentum:-0.5;LowVol:-0.2,MaxPos7%,10,35,4.2,trailing 9%,178,34.4,Bull,14.4,4.2,3.4,113,12,46,48,false,Buy,Add to core equity +1%,3,-24,BrokerD,MKT,97,None,None,Normal monitoring,57,-26,143,3,false,Tighten stops on momentum names
P8352,Hands-off,401k,USD,2025-06-07,884973,69681,815292,1.0,70.1,17.8,4.2,8.0,XLF:17.3%;GLD:27.6%;TLT:27.6%;IEF:27.6%,US:70.8;EU:10.2;APAC:6.8;EM:7.5;Other:4.7,Value:-0.6;Growth:0.0;Quality:-1.0;Size:-0.5;Momentum:+0.9;LowVol:-0.3,ESGOnly;NoDerivatives,10,25,5.9,trailing 8%,120,18.9,Bull,15.3,4.43,2.6,87,61,90,44,false,NoAction,Within bands; monitor,13,-20,BrokerB,LMT,87,None,None,Normal monitoring,-21,11,33,3,false,Increase defensive factor exposure
P8353,Opportunistic,Trust,USD,2025-06-03,312907,24317,288590,1.0,65.4,21.5,6.4,6.7,MSFT:28.5%;MUB:14.6%;AAPL:28.5%;AMZN:28.5%,US:63.8;EU:16.7;APAC:10.0;EM:6.8;Other:2.7,Value:-0.5;Growth:-0.5;Quality:-0.2;Size:-0.5;Momentum:0.0;LowVol:-0.2,,5,30,4.5,trailing 9%,248,30.2,Bull,14.3,3.97,2.3,110,83,81,54,false,Rebalance,Shift +1% to bonds from equity,9,8,BrokerB,LMT,96,None,None,Normal monitoring,-55,4,75,4,false,Tax-aware sells next window
P8354,Hands-off,401k,USD,2024-12-31,813386,34211,779175,1.0,58.5,25.1,7.4,8.9,MSFT:33.3%;VTI:33.3%;HYG:33.3%,US:64.8;EU:13.7;APAC:9.7;EM:11.6;Other:0.3,Value:-0.7;Growth:+0.8;Quality:+0.5;Size:+0.9;Momentum:+0.1;LowVol:-0.4,ESGOnly;MaxPos8%,7,35,5.8,hard 10%,139,15.9,Volatile,23.3,3.77,4.3,168,-44,21,62,false,Rebalance,Shift +1% to bonds from equity,29,-11,BrokerB,LMT,87,None,None,Normal monitoring,-38,-23,-21,5,false,Tighten stops on momentum names
P8355,Cautious,Taxable,USD,2025-11-24,795102,67132,727970,1.0,43.2,36.9,2.6,17.3,MUB:26.0%;BND:21.9%;TLT:26.0%;TSLA:26.0%,US:77.5;EU:8.5;APAC:7.2;EM:3.5;Other:3.3,Value:-0.8;Growth:-0.1;Quality:+0.5;Size:+1.0;Momentum:+0.3;LowVol:+0.4,ESGOnly;NoMargin,10,30,3.4,trailing 8%,121,12.7,Sideways,19.6,3.88,3.3,133,36,70,53,false,NoAction,Within bands; monitor,4,-21,BrokerC,MKT,0,None,None,Normal monitoring,120,-18,149,3,false,Tax-aware sells next window
P8356,Cautious,Roth,USD,2025-06-05,679048,73896,605152,1.0,37.1,40.4,7.1,15.4,HYG:19.0%;BND:18.0%;QQQ:11.8%;BRK.B:12.5%;AAPL:16.9%;VOO:21.8%,US:71.1;EU:7.6;APAC:5.5;EM:11.1;Other:4.7,Value:-0.1;Growth:+0.3;Quality:-0.9;Size:-0.8;Momentum:+0.3;LowVol:-1.0,ESGOnly;NoMargin,10,25,4.5,trailing 8%,130,14.9,Bull,15.0,3.9,3.4,92,120,100,30,false,Rebalance,Shift +1% to bonds from equity,-5,-27,BrokerA,MKT,91,None,None,Normal monitoring,24,14,-1,3,false,Monitor dispersion and breadth
P8357,Cautious,IRA,USD,2025-01-21,512893,56685,456208,1.0,38.8,35.8,12.4,12.9,HYG:31.9%;AMZN:31.9%;IEF:15.8%;BND:20.5%,US:66.3;EU:15.4;APAC:10.9;EM:4.2;Other:3.3,Value:-0.0;Growth:+0.2;Quality:-0.7;Size:-0.4;Momentum:-1.0;LowVol:+0.5,ESGOnly;MaxPos5%;NoMargin,8,35,3.0,trailing 10%,128,12.0,Sideways,16.7,4.3,2.8,96,50,80,27,false,Buy,Add to core equity +1%,24,-35,BrokerC,LMT,99,None,None,Normal monitoring,-59,-25,66,3,false,Within IPS guidelines
P8358,Systematic,Taxable,USD,2025-08-09,790426,47908,742518,1.0,57.2,24.3,13.1,5.4,VTI:23.2%;BRK.B:23.2%;QQQ:16.6%;TSLA:16.8%;IEF:20.2%,US:60.1;EU:17.8;APAC:7.7;EM:10.0;Other:4.5,Value:-0.7;Growth:-0.9;Quality:-0.2;Size:+0.1;Momentum:-0.4;LowVol:-0.5,MaxPos8%,7,35,5.4,trailing 8%,127,26.4,Sideways,16.2,3.99,2.4,129,38,59,47,true,Rebalance,Rebalance back to target bands,-9,-23,BrokerD,LMT,90,Drift>tolerance,Reduce,Allocation drift beyond policy bands,112,-51,158,5,true,Tighten stops on momentum names
P8359,Cautious,Trust,USD,2025-02-28,805942,75472,730470,1.0,49.9,33.7,0.0,16.4,TSLA:22.1%;TLT:26.0%;VTI:26.0%;GLD:26.0%,US:71.1;EU:12.2;APAC:5.9;EM:10.6;Other:0.1,Value:+0.3;Growth:+0.3;Quality:+0.5;Size:+0.5;Momentum:+0.2;LowVol:-1.0,ESGOnly;MaxPos8%;NoDerivatives;NoMargin,10,35,5.4,hard 10%,111,17.8,Bull,13.0,3.91,2.6,79,39,76,45,false,Sell,Trim extended winner -1%,12,-32,BrokerA,MKT,100,None,None,Normal monitoring,-1,-39,26,3,false,Monitor dispersion and breadth
P8360,Hands-off,Trust,USD,2025-02-17,462448,34049,428399,1.0,66.5,15.4,9.5,8.6,AMZN:25.0%;MSFT:25.0%;AAPL:25.0%;TSLA:25.0%,US:65.6;EU:7.9;APAC:13.0;EM:8.8;Other:4.8,Value:+0.8;Growth:+0.2;Quality:-0.9;Size:-0.3;Momentum:+0.9;LowVol:-0.1,ESGOnly,10,35,4.8,hard 10%,93,12.6,Volatile,31.7,3.68,2.3,161,57,83,92,true,Rebalance,Rebalance back to target bands,-7,9,BrokerD,MKT,92,RegimeShift,TightenStops,Volatility spike and breadth deterioration,-50,0,5,4,false,Increase defensive factor exposure
P8361,Hands-off,Taxable,USD,2024-12-06,890544,37020,853524,1.0,71.9,20.4,2.7,5.1,QQQ:16.8%;HYG:23.6%;MUB:23.6%;TLT:12.3%;VNQ:23.6%,US:54.3;EU:19.5;APAC:15.5;EM:5.4;Other:5.3,Value:0.0;Growth:+1.0;Quality:-0.5;Size:+1.0;Momentum:+0.2;LowVol:+0.4,ESGOnly;MaxPos8%,5,25,3.9,trailing 8%,90,19.5,Bear,29.9,3.45,1.6,216,-114,7,91,true,Hedge,Buy index puts 1% notional,22,-14,BrokerB,LMT,89,VAR>budget,Pause,Risk above budget threshold,-42,20,-72,2,true,Monitor dispersion and breadth
P8362,Hands-off,Trust,USD,2025-01-20,246622,23285,223337,1.0,62.8,24.4,4.8,8.0,AMZN:23.2%;XLF:15.2%;AAPL:22.2%;HYG:23.2%;MUB:16.4%,US:70.8;EU:9.4;APAC:10.6;EM:6.3;Other:2.9,Value:-0.1;Growth:0.0;Quality:-0.4;Size:-0.2;Momentum:+0.3;LowVol:+0.8,,10,35,5.6,trailing 8%,157,12.0,Volatile,24.3,4.0,2.6,178,60,69,72,true,Rebalance,Rebalance back to target bands,26,-10,BrokerD,LMT,98,VAR>budget,Hedge,Risk above budget threshold,99,18,207,3,false,Within IPS guidelines
P8363,Hands-off,IRA,USD,2025-07-19,594913,24325,570588,1.0,64.0,18.0,8.3,9.7,VOO:21.8%;IEF:21.8%;TLT:8.5%;XLF:19.7%;VNQ:13.5%;VTI:14.8%,US:72.6;EU:14.2;APAC:8.9;EM:3.5;Other:0.7,Value:+0.9;Growth:-0.2;Quality:+0.6;Size:+0.9;Momentum:+0.4;LowVol:+0.9,,10,35,5.9,trailing 8%,106,13.4,Bull,13.4,4.54,3.0,114,15,62,43,false,Sell,Trim extended winner -1%,-4,-21,BrokerD,MKT,93,None,None,Normal monitoring,-15,-39,118,5,false,Within IPS guidelines
P8364,Opportunistic,Trust,USD,2025-05-05,1382230,46786,1335444,1.0,72.1,20.1,0.0,7.8,TSLA:26.7%;AMZN:26.7%;AAPL:25.8%;BND:20.8%,US:66.3;EU:9.4;APAC:11.7;EM:9.6;Other:3.1,Value:-0.7;Growth:-0.5;Quality:+0.3;Size:+0.8;Momentum:-0.5;LowVol:+0.3,,5,25,4.1,trailing 9%,231,34.5,Bull,17.4,4.59,3.3,73,34,67,52,false,Rebalance,Shift +1% to bonds from equity,33,-37,BrokerB,LMT,89,None,None,Normal monitoring,-34,7,11,4,false,Tax-aware sells next window
P8365,Systematic,Trust,USD,2025-01-30,1584903,107969,1476934,1.0,66.4,22.8,3.2,7.5,BND:33.3%;VOO:33.3%;TLT:33.3%,US:65.9;EU:14.5;APAC:5.9;EM:11.9;Other:1.9,Value:+0.3;Growth:+0.6;Quality:-0.2;Size:+0.4;Momentum:+0.1;LowVol:+0.4,MaxPos6%,8,35,4.9,trailing 9%,146,19.8,Bull,14.7,3.87,2.5,78,94,100,43,false,Rebalance,Shift +1% to bonds from equity,11,0,BrokerC,LMT,86,None,None,Normal monitoring,-32,4,43,5,false,Increase defensive factor exposure
P8366,Cautious,IRA,USD,2024-07-07,318034,41844,276190,1.0,46.7,37.8,0.0,15.5,AMZN:23.1%;TSLA:17.4%;BRK.B:12.6%;MSFT:10.4%;XLF:23.1%;MUB:13.5%,US:65.1;EU:7.5;APAC:16.7;EM:5.8;Other:4.9,Value:+0.5;Growth:+0.2;Quality:-0.7;Size:-0.0;Momentum:-0.2;LowVol:+0.4,NoMargin,6,35,5.3,trailing 8%,110,18.7,Sideways,18.2,4.41,3.0,135,37,71,47,false,Buy,Add to core equity +1%,2,6,BrokerC,LMT,88,None,None,Normal monitoring,61,-56,174,3,false,Tax-aware sells next window
P8367,Active,401k,USD,2025-01-27,1597524,164675,1432849,1.2,50.3,29.8,10.3,9.5,VTI:25.9%;QQQ:25.9%;AMZN:25.9%;VOO:22.2%,US:59.6;EU:19.6;APAC:9.8;EM:6.2;Other:4.8,Value:-0.3;Growth:-0.8;Quality:+1.0;Size:+0.5;Momentum:-0.1;LowVol:-0.4,NoDerivatives,8,35,4.6,trailing 8%,179,27.6,Bear,31.3,3.26,3.0,192,-75,27,74,true,Hedge,Buy index puts 1% notional,28,6,BrokerD,MKT,88,RegimeShift,Reduce,Volatility spike and breadth deterioration,-9,1,4,4,false,Within IPS guidelines
P8368,Cautious,401k,USD,2025-07-15,225801,26069,199732,1.0,48.8,34.3,3.3,13.6,MSFT:33.9%;TLT:33.9%;VNQ:32.2%,US:64.3;EU:21.4;APAC:7.3;EM:5.0;Other:2.0,Value:+0.8;Growth:-0.9;Quality:-0.0;Size:-0.1;Momentum:-0.4;LowVol:+0.1,ESGOnly;MaxPos7%;NoMargin,7,30,4.2,trailing 8%,152,12.5,Bear,24.2,3.78,1.0,181,-33,42,56,false,NoAction,Within bands; monitor,8,-30,BrokerB,MKT,0,None,None,Normal monitoring,33,-16,122,5,false,Tighten stops on momentum names
P8369,Opportunistic,Trust,USD,2024-11-29,1616139,69300,1546839,1.0,60.9,20.5,11.6,7.0,TLT:21.5%;GLD:10.8%;VTI:18.8%;BND:18.2%;VOO:9.2%;XLF:21.5%,US:64.2;EU:8.7;APAC:13.5;EM:8.6;Other:5.0,Value:+0.8;Growth:+0.8;Quality:+0.6;Size:+0.2;Momentum:+0.1;LowVol:0.0,MaxPos8%,6,35,5.7,trailing 7%,232,25.8,Bear,26.8,4.33,1.5,187,-62,30,78,true,Rebalance,Rebalance back to target bands,34,-11,BrokerD,LMT,87,RegimeShift,Reduce,Volatility spike and breadth deterioration,29,-46,10,3,false,Tax-aware sells next window
P8370,Active,401k,USD,2025-12-08,1137575,82934,1054641,1.0,68.3,20.3,2.0,9.5,IEF:33.3%;TLT:33.3%;AAPL:33.3%,US:69.3;EU:12.2;APAC:11.4;EM:4.0;Other:3.0,Value:-0.2;Growth:-0.9;Quality:-0.4;Size:+0.8;Momentum:+0.5;LowVol:-0.8,MaxPos8%,8,25,4.7,hard 12%,159,27.3,Bull,16.7,4.03,2.4,95,64,88,55,false,Buy,Add to core equity +1%,3,-6,BrokerA,LMT,98,None,None,Normal monitoring,4,-16,34,4,false,Increase defensive factor exposure
P8371,Hands-off,IRA,USD,2024-09-13,518124,34053,484071,1.0,60.7,17.5,15.1,6.6,HYG:11.0%;TSLA:22.8%;VTI:9.9%;TLT:22.8%;QQQ:22.8%;XLF:10.6%,US:66.1;EU:16.0;APAC:9.7;EM:7.9;Other:0.4,Value:-0.2;Growth:+0.7;Quality:-0.6;Size:-0.7;Momentum:-0.4;LowVol:-0.7,MaxPos6%,6,25,3.1,trailing 10%,152,12.8,Volatile,26.4,5.29,3.1,167,3,54,67,false,Rebalance,Shift +1% to bonds from equity,-5,5,BrokerB,MKT,91,None,None,Normal monitoring,-54,15,-45,5,false,Increase defensive factor exposure
P8372,Cautious,Taxable,USD,2025-09-17,690405,84815,605590,1.0,48.3,35.7,0.0,16.0,AAPL:19.0%;GLD:11.5%;VNQ:17.4%;VOO:18.6%;BND:19.9%;MSFT:13.6%,US:65.2;EU:6.6;APAC:15.8;EM:11.8;Other:0.6,Value:+0.4;Growth:-0.3;Quality:+0.3;Size:-0.2;Momentum:+0.8;LowVol:-0.8,ESGOnly;MaxPos6%;NoMargin,8,25,4.6,hard 10%,114,18.3,Bull,16.3,4.23,3.4,98,0,59,42,false,Sell,Trim extended winner -1%,27,-20,BrokerA,LMT,100,None,None,Normal monitoring,-2,-54,-11,5,false,Increase defensive factor exposure
P8373,Active,Taxable,USD,2024-10-01,686648,66767,619881,1.0,66.7,26.8,0.0,6.6,IEF:26.0%;AMZN:26.0%;GLD:24.2%;TSLA:23.8%,US:72.2;EU:8.9;APAC:5.7;EM:12.9;Other:0.3,Value:+0.9;Growth:+0.1;Quality:-0.5;Size:+0.9;Momentum:+0.3;LowVol:+0.5,MaxPos8%,6,35,5.0,trailing 8%,205,17.5,Volatile,21.7,4.68,3.5,175,-44,15,71,true,Hedge,Buy index puts 1% notional,12,-8,BrokerD,MKT,85,VAR>budget,Reduce,Risk above budget threshold,87,-24,149,2,false,Within IPS guidelines
P8374,Systematic,IRA,USD,2025-02-09,408468,18434,390034,1.0,66.7,23.9,0.0,9.5,VOO:22.5%;VNQ:24.1%;IEF:14.1%;HYG:15.2%;MUB:24.1%,US:67.4;EU:17.2;APAC:9.6;EM:3.8;Other:2.0,Value:-1.0;Growth:+0.8;Quality:+0.7;Size:+0.5;Momentum:-0.9;LowVol:+0.4,NoDerivatives,10,25,4.4,trailing 9%,172,24.0,Bull,11.6,4.0,3.4,70,115,95,33,false,Hedge,Add TLT +1% as duration hedge,-4,-12,BrokerC,LMT,99,None,None,Normal monitoring,71,11,75,4,false,Monitor dispersion and breadth
P8375,Opportunistic,Trust,USD,2025-09-18,805896,53893,752003,1.0,63.1,12.7,17.3,6.9,AAPL:21.1%;BND:11.8%;HYG:21.1%;BRK.B:20.3%;MSFT:7.5%;TLT:18.2%,US:71.5;EU:12.8;APAC:6.4;EM:7.6;Other:1.8,Value:-0.5;Growth:+0.1;Quality:+0.6;Size:-0.4;Momentum:-0.4;LowVol:-0.1,MaxPos8%,6,35,4.1,trailing 9%,198,29.1,Volatile,23.9,5.17,2.9,142,22,67,63,true,Hedge,Buy index puts 1% notional,31,10,BrokerD,MKT,97,RegimeShift,Hedge,Volatility spike and breadth deterioration,-54,10,85,3,false,Tighten stops on momentum names
P8376,Cautious,Trust,USD,2025-10-25,583491,81673,501818,1.0,46.9,33.4,2.2,17.6,BND:7.6%;VTI:22.8%;XLF:14.1%;TSLA:9.9%;AAPL:22.8%;GLD:22.8%,US:56.8;EU:13.4;APAC:15.5;EM:10.7;Other:3.6,Value:+0.4;Growth:-0.9;Quality:-0.6;Size:-0.4;Momentum:-0.8;LowVol:+0.1,NoMargin,8,30,5.2,hard 10%,94,12.4,Bull,13.9,4.46,3.0,83,16,57,38,false,Rebalance,Shift +1% to bonds from equity,29,-25,BrokerD,LMT,97,None,None,Normal monitoring,-27,-28,-11,3,false,Increase defensive factor exposure
P8377,Opportunistic,IRA,USD,2024-08-29,1172803,69871,1102932,1.0,75.0,10.9,7.8,6.2,GLD:22.6%;QQQ:22.6%;TSLA:19.6%;MSFT:12.4%;IEF:22.6%,US:70.2;EU:13.9;APAC:8.2;EM:4.7;Other:3.0,Value:+0.9;Growth:-0.1;Quality:-0.7;Size:-0.2;Momentum:-1.0;LowVol:+0.2,NoDerivatives,8,25,6.7,hard 12%,264,33.4,Volatile,20.3,4.24,4.4,119,-43,16,67,true,Reduce,"Cut high-beta by 2-3%, add cash",26,-23,BrokerD,MKT,92,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-28,16,87,3,false,Increase defensive factor exposure
P8378,Hands-off,401k,USD,2024-10-31,871981,49555,822426,1.0,70.2,20.2,0.0,9.6,AAPL:33.3%;IEF:33.3%;AMZN:33.3%,US:71.6;EU:13.4;APAC:6.5;EM:4.7;Other:3.9,Value:-0.6;Growth:-0.1;Quality:+0.4;Size:-0.9;Momentum:-0.9;LowVol:+0.2,ESGOnly,5,35,3.4,trailing 8%,131,15.9,Bull,13.5,3.74,2.9,72,67,84,50,false,Sell,Trim extended winner -1%,10,10,BrokerC,VWAP,97,None,None,Normal monitoring,-19,-54,96,5,false,Tighten stops on momentum names
P8379,Hands-off,Roth,USD,2024-08-11,313604,19593,294011,1.0,69.5,25.1,0.0,5.4,MUB:7.7%;TLT:12.9%;BND:13.1%;MSFT:22.5%;VTI:21.4%;AMZN:22.5%,US:69.2;EU:13.2;APAC:9.1;EM:7.5;Other:1.0,Value:-0.3;Growth:+0.6;Quality:+0.1;Size:+0.2;Momentum:+0.9;LowVol:-0.6,ESGOnly;NoDerivatives,5,30,3.6,trailing 8%,98,14.9,Sideways,18.7,3.61,3.0,128,19,71,58,false,Sell,Trim extended winner -1%,-14,-13,BrokerB,MKT,95,None,None,Normal monitoring,61,3,44,4,false,Monitor dispersion and breadth
P8380,Active,IRA,USD,2025-12-18,1441008,88064,1352944,1.0,66.9,22.9,0.7,9.5,VTI:27.1%;HYG:27.1%;AMZN:18.6%;VOO:27.1%,US:62.8;EU:11.9;APAC:9.9;EM:12.4;Other:2.9,Value:+0.9;Growth:+0.8;Quality:+0.4;Size:-0.8;Momentum:-0.3;LowVol:-0.8,MaxPos7%,10,35,5.6,hard 12%,205,22.6,Volatile,29.9,4.5,2.1,175,78,97,84,true,Reduce,"Cut high-beta by 2-3%, add cash",-15,-29,BrokerD,LMT,93,Drift>tolerance,Reduce,Allocation drift beyond policy bands,20,-24,115,3,true,Monitor dispersion and breadth
P8381,Systematic,Taxable,USD,2025-09-08,603702,24170,579532,1.0,63.1,22.6,9.2,5.0,GLD:34.9%;XLF:30.2%;IEF:34.9%,US:69.7;EU:18.1;APAC:7.6;EM:4.3;Other:0.3,Value:+0.6;Growth:+0.2;Quality:+0.7;Size:+0.4;Momentum:-1.0;LowVol:-1.0,MaxPos5%,5,30,4.5,trailing 9%,197,17.0,Bear,24.9,4.1,2.9,202,-57,12,63,false,Sell,Trim extended winner -1%,3,-16,BrokerB,LMT,94,None,None,Normal monitoring,88,-26,119,4,false,Monitor dispersion and breadth
P8382,Opportunistic,Taxable,USD,2025-05-30,1356942,75791,1281151,1.0,76.3,19.2,0.0,4.5,HYG:24.7%;TLT:25.1%;TSLA:25.1%;AAPL:25.1%,US:60.7;EU:11.6;APAC:11.6;EM:13.9;Other:2.2,Value:-0.9;Growth:-0.1;Quality:+0.2;Size:-0.8;Momentum:-0.5;LowVol:0.0,,7,35,6.5,trailing 9%,190,30.8,Sideways,20.0,4.73,3.0,115,27,72,55,false,Rebalance,Shift +1% to bonds from equity,34,6,BrokerB,MKT,89,None,None,Normal monitoring,3,5,122,4,false,Monitor dispersion and breadth
P8383,Active,Roth,USD,2025-11-17,546790,63649,483141,1.07,65.0,26.2,0.0,8.8,BRK.B:8.5%;VTI:13.4%;BND:19.9%;MSFT:17.3%;IEF:21.2%;TLT:19.7%,US:59.1;EU:10.1;APAC:16.4;EM:14.1;Other:0.2,Value:+0.8;Growth:+0.5;Quality:+0.5;Size:-0.7;Momentum:-0.6;LowVol:+0.4,,5,25,5.7,trailing 8%,139,16.5,Bear,33.3,3.24,2.2,204,-74,26,88,true,Hedge,Buy index puts 1% notional,-8,-25,BrokerA,MKT,90,VAR>budget,Reduce,Risk above budget threshold,37,-42,83,3,false,Tighten stops on momentum names
P8384,Cautious,Roth,USD,2025-01-23,491168,74987,416181,1.0,35.2,31.4,15.6,17.8,BND:25.4%;MUB:37.3%;GLD:37.3%,US:62.3;EU:18.8;APAC:9.0;EM:7.5;Other:2.5,Value:-0.7;Growth:+0.2;Quality:-0.4;Size:+0.9;Momentum:+0.8;LowVol:-0.6,ESGOnly;NoMargin,6,30,5.0,trailing 8%,129,16.7,Volatile,22.2,4.02,4.0,110,-24,45,49,false,Rebalance,Shift +1% to bonds from equity,30,-22,BrokerB,LMT,89,None,None,Normal monitoring,-12,-51,-21,3,false,Tax-aware sells next window
P8385,Opportunistic,401k,USD,2025-06-09,978883,33052,945831,1.0,61.2,13.8,19.0,6.0,VTI:33.3%;IEF:33.3%;QQQ:33.3%,US:67.0;EU:8.1;APAC:11.0;EM:13.4;Other:0.4,Value:+0.6;Growth:-0.4;Quality:-0.5;Size:-0.8;Momentum:+1.0;LowVol:+0.2,,10,35,4.4,hard 12%,273,22.7,Bear,23.8,4.29,1.5,181,28,73,60,false,NoAction,Within bands; monitor,-15,-1,BrokerA,VWAP,87,None,None,Normal monitoring,66,-20,164,4,false,Within IPS guidelines
P8386,Hands-off,IRA,USD,2025-01-05,497761,23214,474547,1.0,63.9,26.7,0.0,9.4,IEF:33.3%;HYG:33.3%;XLF:33.3%,US:79.0;EU:7.0;APAC:8.0;EM:3.8;Other:2.2,Value:-0.0;Growth:-0.5;Quality:+0.4;Size:+0.6;Momentum:+0.6;LowVol:-0.0,,7,30,5.9,trailing 10%,120,19.0,Sideways,16.0,4.82,3.4,103,38,62,50,false,Hedge,Add TLT +1% as duration hedge,-13,-16,BrokerB,MKT,96,None,None,Normal monitoring,113,9,168,5,false,Monitor dispersion and breadth
P8387,Active,Roth,USD,2024-12-23,2394980,258433,2136547,1.19,65.8,19.6,4.8,9.9,VOO:21.9%;HYG:17.9%;GLD:10.9%;IEF:9.8%;AAPL:17.6%;MSFT:21.9%,US:74.0;EU:8.3;APAC:6.9;EM:10.1;Other:0.8,Value:+0.9;Growth:-0.9;Quality:+0.4;Size:+0.7;Momentum:+0.7;LowVol:+0.4,MaxPos6%,8,35,5.9,hard 12%,206,27.2,Bull,17.8,4.68,2.7,70,15,65,55,false,Sell,Trim extended winner -1%,-2,-8,BrokerB,LMT,98,None,None,Normal monitoring,12,-6,129,4,false,Monitor dispersion and breadth
P8388,Cautious,401k,USD,2024-08-29,841795,91272,750523,1.0,51.4,35.7,0.0,12.9,BND:33.3%;MSFT:33.3%;GLD:33.3%,US:69.3;EU:10.6;APAC:6.2;EM:10.2;Other:3.6,Value:-0.6;Growth:-0.4;Quality:-0.6;Size:-0.7;Momentum:-1.0;LowVol:-0.5,ESGOnly;NoMargin,7,35,4.6,trailing 10%,143,19.5,Sideways,21.7,4.0,2.8,136,4,44,59,false,Buy,Add to core equity +1%,1,-11,BrokerD,LMT,89,None,None,Normal monitoring,-18,-31,81,5,false,Within IPS guidelines
P8389,Cautious,Trust,USD,2024-10-17,441671,58182,383489,1.0,46.7,41.2,0.9,11.2,MSFT:24.5%;VNQ:12.1%;TLT:18.2%;VTI:23.1%;GLD:22.0%,US:65.8;EU:11.4;APAC:7.6;EM:12.2;Other:3.0,Value:+0.1;Growth:+0.2;Quality:-0.6;Size:+0.5;Momentum:+0.1;LowVol:+0.9,ESGOnly;MaxPos6%;NoMargin,8,35,4.5,trailing 10%,105,18.1,Bull,13.4,4.58,2.7,83,13,64,37,false,Hedge,Add TLT +1% as duration hedge,20,10,BrokerB,VWAP,95,None,None,Normal monitoring,15,-8,117,4,false,Increase defensive factor exposure
P8390,Cautious,Trust,USD,2025-01-17,812162,97923,714239,1.0,51.4,35.9,2.4,10.3,BRK.B:10.0%;GLD:12.3%;XLF:21.7%;VNQ:21.3%;TSLA:21.7%;AMZN:13.1%,US:63.1;EU:14.9;APAC:10.7;EM:6.1;Other:5.3,Value:+0.7;Growth:+0.4;Quality:-0.7;Size:+1.0;Momentum:-0.5;LowVol:-0.7,NoMargin,8,30,5.4,trailing 8%,112,16.8,Bear,27.2,3.79,1.3,151,-11,41,62,false,Hedge,Add TLT +1% as duration hedge,17,-8,BrokerC,VWAP,97,None,None,Normal monitoring,85,-26,132,5,false,Within IPS guidelines
P8391,Hands-off,401k,USD,2025-05-21,896179,65330,830849,1.0,61.2,24.5,6.9,7.4,IEF:27.0%;BRK.B:27.0%;AAPL:18.9%;VOO:27.0%,US:68.9;EU:13.1;APAC:7.6;EM:4.9;Other:5.5,Value:-0.5;Growth:-0.4;Quality:-0.1;Size:+0.4;Momentum:+0.6;LowVol:+0.7,NoDerivatives,5,35,5.2,trailing 10%,159,15.8,Bull,15.4,4.94,2.2,88,67,81,51,false,Rebalance,Shift +1% to bonds from equity,9,13,BrokerC,MKT,87,None,None,Normal monitoring,63,-28,191,5,false,Tighten stops on momentum names
P8392,Active,Taxable,USD,2025-07-20,774756,90008,684748,1.0,57.7,29.2,4.0,9.1,VTI:25.6%;TSLA:25.6%;IEF:25.6%;VOO:23.2%,US:67.9;EU:14.6;APAC:9.4;EM:3.9;Other:4.3,Value:-0.0;Growth:-0.5;Quality:-0.3;Size:-0.7;Momentum:-0.3;LowVol:-0.3,MaxPos8%;NoDerivatives,8,30,5.8,hard 12%,219,18.0,Volatile,25.5,4.31,3.6,151,60,69,65,true,Hedge,Buy index puts 1% notional,-4,-2,BrokerD,MKT,90,RegimeShift,Hedge,Volatility spike and breadth deterioration,60,-49,161,2,false,Monitor dispersion and breadth
P8393,Opportunistic,401k,USD,2025-06-18,1395861,64002,1331859,1.0,63.0,17.9,10.6,8.5,AAPL:25.6%;MUB:25.6%;HYG:23.1%;GLD:25.6%,US:62.0;EU:19.2;APAC:10.9;EM:6.9;Other:1.0,Value:+0.7;Growth:+0.2;Quality:+0.5;Size:-0.3;Momentum:-0.4;LowVol:-0.8,NoDerivatives,7,25,5.5,hard 12%,243,24.8,Sideways,15.6,4.76,2.6,110,37,73,49,false,Buy,Add to core equity +1%,16,6,BrokerC,LMT,87,None,None,Normal monitoring,45,-11,79,5,false,Within IPS guidelines
P8394,Cautious,Taxable,USD,2025-09-22,543082,61690,481392,1.0,37.5,42.6,8.3,11.6,XLF:33.3%;VNQ:33.3%;TSLA:33.3%,US:68.2;EU:8.6;APAC:11.9;EM:5.5;Other:5.8,Value:-0.3;Growth:+0.9;Quality:+0.4;Size:-0.7;Momentum:+0.2;LowVol:+0.3,MaxPos5%;NoMargin,6,35,5.5,trailing 8%,127,15.4,Volatile,21.1,3.54,3.1,115,72,84,51,true,Hedge,Buy index puts 1% notional,33,-37,BrokerB,VWAP,90,Drift>tolerance,Reduce,Allocation drift beyond policy bands,115,6,201,5,false,Increase defensive factor exposure
P8395,Cautious,Trust,USD,2024-09-10,554294,61409,492885,1.0,37.7,31.5,13.3,17.6,QQQ:33.3%;TLT:33.3%;AAPL:33.3%,US:71.9;EU:13.0;APAC:9.3;EM:4.5;Other:1.3,Value:+0.2;Growth:+0.6;Quality:-0.4;Size:0.0;Momentum:-0.9;LowVol:0.0,ESGOnly;NoDerivatives;NoMargin,5,35,4.0,trailing 8%,152,17.0,Bull,14.5,4.07,2.0,87,36,58,39,false,Buy,Add to core equity +1%,-12,-22,BrokerC,MKT,92,None,None,Normal monitoring,16,1,22,3,false,Increase defensive factor exposure
P8396,Opportunistic,401k,USD,2024-07-07,1438380,63695,1374685,1.0,70.4,17.0,5.6,7.0,GLD:13.1%;BND:21.8%;HYG:16.8%;VNQ:16.2%;TLT:21.8%;BRK.B:10.3%,US:56.5;EU:16.5;APAC:11.8;EM:10.7;Other:4.5,Value:-0.1;Growth:+0.3;Quality:-0.3;Size:+1.0;Momentum:-0.9;LowVol:-0.5,NoDerivatives,7,35,4.4,hard 12%,268,28.6,Volatile,24.2,4.4,2.8,123,-1,47,71,true,Hedge,Buy index puts 1% notional,-7,-27,BrokerD,LMT,99,RegimeShift,Hedge,Volatility spike and breadth deterioration,10,-52,50,3,false,Monitor dispersion and breadth
P8397,Active,IRA,USD,2025-08-20,1105711,75875,1029836,1.0,50.7,23.5,17.4,8.4,TSLA:22.9%;VOO:14.6%;BND:24.1%;XLF:24.1%;BRK.B:14.4%,US:59.6;EU:12.5;APAC:14.2;EM:10.1;Other:3.6,Value:+0.1;Growth:+0.9;Quality:+0.5;Size:+0.9;Momentum:+0.4;LowVol:+0.3,MaxPos8%,8,35,5.0,trailing 9%,127,28.0,Sideways,15.8,3.95,2.3,96,-29,37,34,false,Buy,Add to core equity +1%,25,-34,BrokerB,MKT,95,None,None,Normal monitoring,93,-41,66,5,false,Within IPS guidelines
P8398,Cautious,Roth,USD,2025-12-24,683843,102113,581730,1.0,44.4,44.6,0.8,10.2,MSFT:19.3%;IEF:15.3%;AAPL:12.0%;TLT:20.8%;BND:20.8%;GLD:11.9%,US:68.2;EU:7.2;APAC:11.9;EM:10.6;Other:2.1,Value:+0.4;Growth:-0.8;Quality:+0.7;Size:+0.1;Momentum:-0.5;LowVol:+0.6,MaxPos8%;NoMargin,10,25,3.7,hard 10%,158,18.6,Volatile,30.7,4.39,4.5,116,-46,27,64,true,Rebalance,Rebalance back to target bands,-15,-23,BrokerD,LMT,87,VAR>budget,Hedge,Risk above budget threshold,48,-14,32,2,true,Within IPS guidelines
P8399,Cautious,Taxable,USD,2024-10-30,841421,74805,766616,1.0,35.1,43.2,3.9,17.9,QQQ:22.3%;TLT:20.5%;VOO:16.5%;AAPL:10.3%;MSFT:22.3%;TSLA:8.0%,US:67.5;EU:9.0;APAC:9.9;EM:8.5;Other:5.0,Value:+0.1;Growth:+1.0;Quality:-0.5;Size:-0.7;Momentum:+0.8;LowVol:-0.0,ESGOnly;NoDerivatives;NoMargin,5,25,5.5,trailing 8%,129,14.1,Bull,17.8,4.19,3.4,119,35,62,28,false,Sell,Trim extended winner -1%,20,-12,BrokerA,MKT,97,None,None,Normal monitoring,60,-57,57,3,false,Tax-aware sells next window
P8400,Systematic,401k,USD,2025-08-24,1536821,103686,1433135,1.0,63.6,23.7,7.0,5.7,IEF:21.7%;TSLA:21.7%;BRK.B:14.8%;VTI:19.6%;HYG:7.7%;VOO:14.5%,US:68.8;EU:6.8;APAC:16.0;EM:8.3;Other:0.2,Value:+1.0;Growth:-0.5;Quality:-0.7;Size:+0.6;Momentum:+0.7;LowVol:-0.7,NoDerivatives,5,30,5.1,trailing 8%,184,19.7,Bull,16.4,3.78,3.1,77,101,87,45,true,Hedge,Buy index puts 1% notional,16,-33,BrokerC,MKT,95,VAR>budget,TightenStops,Risk above budget threshold,-58,-56,64,3,false,Tax-aware sells next window
P8401,Systematic,Roth,USD,2025-07-01,886215,77728,808487,1.0,55.4,29.8,9.0,5.8,MSFT:25.0%;AAPL:25.0%;VNQ:25.0%;BRK.B:25.0%,US:72.2;EU:8.7;APAC:10.4;EM:6.2;Other:2.5,Value:+0.3;Growth:-0.7;Quality:+0.4;Size:-0.7;Momentum:-0.8;LowVol:+0.1,,5,30,4.3,trailing 9%,163,20.4,Bull,11.1,3.7,3.5,80,10,64,25,true,Hedge,Buy index puts 1% notional,27,-17,BrokerA,MKT,85,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-23,-43,82,2,false,Monitor dispersion and breadth
P8402,Systematic,Taxable,USD,2024-08-28,1243836,73191,1170645,1.0,63.9,20.1,7.6,8.4,IEF:21.4%;TSLA:21.4%;AAPL:6.3%;BND:17.1%;HYG:17.6%;XLF:16.1%,US:67.6;EU:7.0;APAC:8.0;EM:14.3;Other:3.0,Value:+0.2;Growth:-1.0;Quality:-0.8;Size:+0.3;Momentum:-0.5;LowVol:+0.4,,8,35,4.6,trailing 9%,228,18.1,Volatile,30.0,3.6,3.6,125,-34,45,82,true,Reduce,"Cut high-beta by 2-3%, add cash",35,-12,BrokerA,MKT,100,VAR>budget,Pause,Risk above budget threshold,83,10,104,4,false,Tighten stops on momentum names
P8403,Systematic,Trust,USD,2025-04-26,1261643,65349,1196294,1.0,59.8,22.3,11.8,6.0,VTI:21.8%;MUB:11.6%;QQQ:17.1%;TSLA:21.8%;GLD:10.4%;IEF:17.2%,US:58.2;EU:18.7;APAC:10.9;EM:8.4;Other:3.8,Value:+0.1;Growth:-0.7;Quality:-0.8;Size:+0.2;Momentum:-0.1;LowVol:+0.5,MaxPos8%;NoDerivatives,7,25,4.9,trailing 8%,135,20.3,Volatile,24.4,4.3,2.9,133,-21,32,55,false,NoAction,Within bands; monitor,22,0,BrokerB,MKT,0,None,None,Normal monitoring,-33,-41,-36,4,false,Increase defensive factor exposure
P8404,Systematic,IRA,USD,2024-10-23,1922354,187203,1735151,1.0,55.6,21.6,17.2,5.6,AMZN:15.8%;QQQ:17.7%;TLT:23.1%;VTI:23.1%;IEF:20.4%,US:69.7;EU:8.6;APAC:9.0;EM:10.4;Other:2.3,Value:-0.7;Growth:+0.4;Quality:-0.4;Size:-0.6;Momentum:-0.4;LowVol:-0.2,,8,25,5.2,hard 12%,120,26.8,Bear,24.7,3.14,1.4,202,-43,43,60,false,Sell,Trim extended winner -1%,23,-11,BrokerC,VWAP,93,None,None,Normal monitoring,8,-16,143,4,false,Tax-aware sells next window
P8405,Systematic,401k,USD,2024-08-21,1886385,113732,1772653,1.0,55.6,23.9,11.9,8.6,XLF:33.3%;VOO:33.3%;VTI:33.3%,US:66.2;EU:9.9;APAC:11.7;EM:9.0;Other:3.2,Value:-0.1;Growth:+0.7;Quality:+1.0;Size:+0.3;Momentum:+0.3;LowVol:-0.4,NoDerivatives,8,35,5.3,trailing 8%,184,16.4,Bear,23.0,3.8,2.1,187,-19,45,54,false,Buy,Add to core equity +1%,9,-9,BrokerC,MKT,95,None,None,Normal monitoring,-9,-3,34,3,false,Increase defensive factor exposure
P8406,Active,Roth,USD,2025-09-11,609695,61743,547952,1.0,64.3,25.6,2.1,8.0,QQQ:24.7%;AAPL:11.9%;GLD:24.7%;XLF:14.2%;HYG:24.7%,US:67.9;EU:6.1;APAC:12.4;EM:9.0;Other:4.5,Value:-1.0;Growth:+0.5;Quality:+0.2;Size:+0.5;Momentum:-0.0;LowVol:+0.6,NoDerivatives,7,30,5.2,trailing 9%,128,25.4,Volatile,22.8,4.6,2.0,137,62,82,59,false,Hedge,Add TLT +1% as duration hedge,3,-6,BrokerB,MKT,85,None,None,Normal monitoring,74,-19,47,4,false,Within IPS guidelines
P8407,Opportunistic,Trust,USD,2025-12-17,749816,26265,723551,1.0,68.6,13.9,10.4,7.1,VOO:20.8%;MSFT:29.0%;TLT:21.1%;HYG:29.0%,US:71.2;EU:8.9;APAC:14.2;EM:3.5;Other:2.2,Value:-1.0;Growth:+0.4;Quality:-0.7;Size:-0.5;Momentum:-0.5;LowVol:+0.8,,8,25,6.4,trailing 7%,211,30.4,Bull,14.2,4.13,2.3,74,80,99,52,false,Rebalance,Shift +1% to bonds from equity,33,-31,BrokerB,LMT,97,None,None,Normal monitoring,-9,-7,-19,3,false,Tax-aware sells next window
P8408,Active,IRA,USD,2025-09-16,1492912,137288,1355624,1.0,51.9,26.9,11.4,9.8,MSFT:8.6%;AAPL:22.0%;VOO:14.4%;XLF:11.1%;VTI:22.0%;TLT:22.0%,US:64.0;EU:15.9;APAC:9.6;EM:10.1;Other:0.3,Value:-0.1;Growth:+0.3;Quality:-0.1;Size:+0.6;Momentum:-0.9;LowVol:-0.7,MaxPos7%,7,30,5.1,hard 12%,225,21.2,Sideways,19.3,4.35,2.3,98,-23,37,52,false,Buy,Add to core equity +1%,31,-15,BrokerD,LMT,93,None,None,Normal monitoring,120,-19,214,3,false,Tax-aware sells next window
P8409,Active,Roth,USD,2025-12-11,2374063,168718,2205345,1.0,63.8,31.0,0.0,5.2,HYG:25.0%;BND:25.0%;QQQ:25.0%;TSLA:25.0%,US:73.4;EU:7.4;APAC:7.8;EM:8.3;Other:3.1,Value:+0.7;Growth:+0.6;Quality:0.0;Size:+0.3;Momentum:-0.4;LowVol:-0.6,MaxPos5%,7,30,4.5,trailing 8%,222,20.0,Bull,13.8,4.61,2.4,72,55,90,41,true,Reduce,"Cut high-beta by 2-3%, add cash",29,-13,BrokerB,VWAP,100,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,81,-33,77,3,false,Monitor dispersion and breadth
P8410,Hands-off,Trust,USD,2025-02-27,709345,68676,640669,1.0,65.0,28.1,0.0,6.9,MSFT:26.7%;IEF:23.0%;GLD:26.7%;VNQ:23.5%,US:63.8;EU:16.8;APAC:12.9;EM:3.6;Other:2.9,Value:-0.1;Growth:-0.8;Quality:+0.2;Size:-0.3;Momentum:-0.6;LowVol:-0.2,ESGOnly,6,30,4.5,hard 10%,120,16.3,Bull,11.0,3.59,2.5,113,117,100,47,false,Buy,Add to core equity +1%,-4,-21,BrokerD,MKT,89,None,None,Normal monitoring,-43,11,32,4,false,Within IPS guidelines
P8411,Cautious,Trust,USD,2024-07-25,280623,27873,252750,1.0,51.0,36.1,2.3,10.6,MUB:33.3%;HYG:33.3%;TLT:33.3%,US:62.3;EU:18.4;APAC:11.3;EM:5.4;Other:2.5,Value:+0.3;Growth:-0.0;Quality:+0.9;Size:-1.0;Momentum:-0.9;LowVol:+0.1,NoMargin,5,35,5.1,hard 10%,106,18.4,Volatile,22.1,4.37,3.5,156,-16,32,53,true,Hedge,Buy index puts 1% notional,24,-30,BrokerB,MKT,85,VAR>budget,Hedge,Risk above budget threshold,-24,-6,-46,3,false,Tax-aware sells next window
P8412,Hands-off,Taxable,USD,2025-10-09,716264,63352,652912,1.0,67.1,24.8,0.0,8.0,BND:25.0%;TSLA:25.0%;AAPL:25.0%;HYG:25.0%,US:65.1;EU:18.0;APAC:10.2;EM:2.9;Other:3.7,Value:-0.4;Growth:+0.9;Quality:-0.8;Size:+0.7;Momentum:+1.0;LowVol:+0.8,,7,25,5.8,hard 10%,103,16.1,Sideways,20.7,3.95,3.0,93,-30,24,55,false,Buy,Add to core equity +1%,11,-18,BrokerD,LMT,92,None,None,Normal monitoring,-15,-22,4,4,false,Increase defensive factor exposure
P8413,Hands-off,Taxable,USD,2024-08-10,410061,37676,372385,1.0,60.0,18.7,14.3,7.0,AAPL:25.0%;GLD:25.0%;MSFT:25.0%;MUB:25.0%,US:66.5;EU:10.1;APAC:8.3;EM:12.5;Other:2.5,Value:-0.1;Growth:-0.6;Quality:+0.2;Size:-0.3;Momentum:+0.4;LowVol:-0.8,ESGOnly;MaxPos6%,7,30,5.9,trailing 8%,94,18.9,Bear,28.9,4.45,2.7,186,36,81,70,false,Sell,Trim extended winner -1%,19,-38,BrokerD,MKT,89,None,None,Normal monitoring,7,-49,-5,4,false,Tax-aware sells next window
P8414,Opportunistic,Taxable,USD,2025-08-13,1315084,107326,1207758,1.15,72.8,16.5,5.8,4.8,GLD:27.4%;AMZN:17.9%;HYG:27.4%;QQQ:27.4%,US:71.4;EU:10.8;APAC:10.6;EM:5.9;Other:1.3,Value:+0.5;Growth:+0.5;Quality:0.0;Size:-0.1;Momentum:-0.8;LowVol:-0.8,NoDerivatives,8,25,6.9,trailing 9%,259,34.2,Sideways,21.3,4.79,3.2,131,28,78,65,false,Sell,Trim extended winner -1%,25,-23,BrokerC,MKT,97,None,None,Normal monitoring,36,-41,160,4,false,Tighten stops on momentum names
P8415,Hands-off,Trust,USD,2025-05-11,452175,19555,432620,1.0,56.3,17.9,20.8,5.0,BND:33.3%;VOO:33.3%;VNQ:33.3%,US:70.9;EU:6.9;APAC:14.8;EM:4.4;Other:3.0,Value:+1.0;Growth:-0.7;Quality:+0.5;Size:+0.3;Momentum:-0.1;LowVol:-0.8,MaxPos6%,7,35,4.5,trailing 10%,101,13.0,Bull,12.2,4.51,3.0,115,26,51,29,false,Buy,Add to core equity +1%,-14,11,BrokerB,MKT,93,None,None,Normal monitoring,81,-19,200,4,false,Tax-aware sells next window
P8416,Active,401k,USD,2025-04-04,1685281,107213,1578068,1.0,53.3,19.0,19.9,7.7,VOO:34.2%;QQQ:31.6%;AAPL:34.2%,US:66.3;EU:13.4;APAC:14.0;EM:4.9;Other:1.4,Value:-0.6;Growth:-0.0;Quality:+0.5;Size:-0.0;Momentum:-0.3;LowVol:+0.9,,5,25,4.4,trailing 9%,171,23.8,Volatile,25.3,3.84,2.1,111,-55,18,66,false,Buy,Add to core equity +1%,-7,-11,BrokerA,VWAP,97,None,None,Normal monitoring,33,-1,13,4,false,Increase defensive factor exposure
P8417,Active,401k,USD,2025-01-30,931514,93887,837627,1.0,61.4,19.7,9.9,9.0,TSLA:21.4%;TLT:26.2%;AMZN:26.2%;XLF:26.2%,US:75.0;EU:8.2;APAC:12.6;EM:3.9;Other:0.4,Value:-0.9;Growth:+0.6;Quality:+1.0;Size:+1.0;Momentum:-0.1;LowVol:-0.4,MaxPos7%,5,30,4.0,trailing 8%,225,16.5,Volatile,23.5,3.52,3.4,162,-20,47,69,false,Sell,Trim extended winner -1%,32,-30,BrokerD,MKT,94,None,None,Normal monitoring,-17,-41,34,4,false,Monitor dispersion and breadth
P8418,Cautious,IRA,USD,2025-09-26,296881,42038,254843,1.0,51.8,37.9,0.0,10.4,QQQ:33.3%;BRK.B:33.3%;GLD:33.3%,US:69.4;EU:16.7;APAC:8.3;EM:4.8;Other:0.9,Value:+0.9;Growth:+0.5;Quality:+0.5;Size:+0.8;Momentum:+0.5;LowVol:-0.9,NoDerivatives;NoMargin,7,35,5.7,trailing 8%,165,17.4,Volatile,31.6,4.95,2.8,123,79,83,81,true,Hedge,Buy index puts 1% notional,17,-3,BrokerD,VWAP,95,Drift>tolerance,Reduce,Allocation drift beyond policy bands,43,-8,110,3,false,Within IPS guidelines
P8419,Systematic,Roth,USD,2024-08-16,1565612,94356,1471256,1.0,60.9,23.5,6.2,9.4,GLD:33.3%;VOO:33.3%;TSLA:33.3%,US:63.0;EU:11.4;APAC:12.7;EM:9.4;Other:3.5,Value:-0.7;Growth:-0.9;Quality:-0.4;Size:-0.6;Momentum:-0.1;LowVol:-0.9,NoDerivatives,7,35,4.6,trailing 8%,191,27.3,Bear,22.8,3.09,1.7,155,-69,27,65,true,Rebalance,Rebalance back to target bands,7,-30,BrokerC,VWAP,85,Drift>tolerance,Reduce,Allocation drift beyond policy bands,41,8,79,5,false,Increase defensive factor exposure
P8420,Active,Trust,USD,2025-06-01,1857972,130660,1727312,1.0,52.8,18.6,19.6,9.0,VOO:9.5%;TSLA:14.8%;IEF:16.4%;HYG:14.6%;BND:22.3%;MUB:22.3%,US:68.9;EU:11.9;APAC:13.0;EM:4.0;Other:2.3,Value:+0.4;Growth:+0.1;Quality:-0.8;Size:+0.2;Momentum:-0.4;LowVol:+0.1,MaxPos7%;NoDerivatives,7,30,5.4,trailing 8%,188,26.7,Bull,12.3,4.91,2.0,84,7,53,26,false,Rebalance,Shift +1% to bonds from equity,30,-16,BrokerA,MKT,87,None,None,Normal monitoring,19,18,37,4,false,Tighten stops on momentum names
P8421,Hands-off,IRA,USD,2025-03-07,759923,31409,728514,1.0,60.7,16.7,12.9,9.7,MSFT:33.3%;XLF:33.3%;AAPL:33.3%,US:62.2;EU:15.4;APAC:9.4;EM:9.7;Other:3.4,Value:-0.7;Growth:+0.8;Quality:-0.5;Size:-0.0;Momentum:-0.6;LowVol:0.0,ESGOnly,7,25,4.7,trailing 8%,128,14.9,Volatile,21.2,5.21,3.8,129,59,85,59,false,Hedge,Add TLT +1% as duration hedge,9,-18,BrokerA,LMT,96,None,None,Normal monitoring,109,-54,165,3,false,Tax-aware sells next window
P8422,Opportunistic,401k,USD,2025-02-20,621130,20400,600730,1.1,74.7,18.3,0.3,6.7,VOO:22.8%;AAPL:19.9%;MSFT:22.8%;IEF:7.2%;XLF:13.1%;AMZN:14.2%,US:62.9;EU:16.4;APAC:13.6;EM:5.8;Other:1.2,Value:-0.0;Growth:+0.1;Quality:-0.2;Size:+0.9;Momentum:-0.9;LowVol:+0.1,NoDerivatives,8,35,5.6,trailing 9%,235,31.8,Sideways,20.5,4.87,2.3,140,47,66,75,false,Buy,Add to core equity +1%,21,-35,BrokerD,MKT,95,None,None,Normal monitoring,29,-52,52,5,false,Tax-aware sells next window
P8423,Active,401k,USD,2024-09-26,1940087,209095,1730992,1.0,53.9,30.2,9.2,6.7,VTI:10.7%;MSFT:18.8%;VNQ:15.0%;GLD:20.6%;TSLA:15.5%;IEF:19.3%,US:72.6;EU:7.7;APAC:12.0;EM:4.2;Other:3.5,Value:+0.3;Growth:-0.6;Quality:-0.3;Size:-0.7;Momentum:+0.9;LowVol:+0.7,,6,25,5.8,trailing 9%,229,27.4,Volatile,25.2,3.55,2.3,136,9,45,62,false,Rebalance,Shift +1% to bonds from equity,15,-32,BrokerC,MKT,100,None,None,Normal monitoring,-20,-13,-16,3,false,Increase defensive factor exposure
P8424,Systematic,Trust,USD,2024-08-18,1315068,68555,1246513,1.0,65.8,26.2,0.0,8.0,BRK.B:23.4%;BND:23.4%;TSLA:11.6%;TLT:23.4%;QQQ:18.3%,US:66.5;EU:16.1;APAC:6.4;EM:8.5;Other:2.5,Value:-0.9;Growth:+0.1;Quality:-0.9;Size:+0.2;Momentum:+0.6;LowVol:+0.8,,6,35,4.8,hard 12%,129,23.4,Bear,25.2,3.47,2.9,208,-30,30,75,true,Hedge,Buy index puts 1% notional,-7,-20,BrokerB,LMT,100,VAR>budget,Reduce,Risk above budget threshold,68,0,186,4,false,Tax-aware sells next window
P8425,Opportunistic,401k,USD,2025-07-10,1631557,51276,1580281,1.0,70.6,10.9,9.8,8.7,XLF:23.7%;QQQ:22.1%;MSFT:11.4%;AMZN:23.7%;IEF:19.1%,US:65.5;EU:10.7;APAC:12.5;EM:7.0;Other:4.2,Value:+0.4;Growth:-0.7;Quality:-0.8;Size:-0.2;Momentum:-0.7;LowVol:-0.5,NoDerivatives,6,25,5.6,trailing 7%,237,32.9,Sideways,17.5,3.74,2.3,135,6,66,54,false,Rebalance,Shift +1% to bonds from equity,25,2,BrokerA,LMT,89,None,None,Normal monitoring,81,-54,151,5,false,Tax-aware sells next window
P8426,Active,Trust,USD,2025-07-30,2255022,203027,2051995,1.16,63.4,26.4,4.3,5.9,QQQ:25.4%;VTI:23.9%;BRK.B:25.4%;XLF:25.4%,US:63.5;EU:12.2;APAC:12.7;EM:11.1;Other:0.5,Value:-0.1;Growth:-0.9;Quality:+0.6;Size:+0.9;Momentum:+1.0;LowVol:-0.0,NoDerivatives,10,35,5.8,trailing 9%,223,19.5,Volatile,31.5,4.86,2.2,163,-43,20,71,true,Hedge,Buy index puts 1% notional,34,-32,BrokerC,LMT,91,Drift>tolerance,Hedge,Allocation drift beyond policy bands,96,-45,125,2,false,Tighten stops on momentum names
P8427,Active,401k,USD,2025-07-26,1117182,85422,1031760,1.0,56.9,25.6,10.2,7.3,GLD:23.2%;VOO:10.7%;QQQ:19.6%;XLF:23.2%;AAPL:23.2%,US:64.0;EU:12.1;APAC:10.1;EM:10.1;Other:3.6,Value:+0.6;Growth:-0.4;Quality:-1.0;Size:+0.7;Momentum:+0.9;LowVol:-0.4,,10,35,4.6,trailing 8%,151,17.5,Volatile,29.2,5.1,3.0,162,61,81,68,false,Buy,Add to core equity +1%,14,4,BrokerC,LMT,89,None,None,Normal monitoring,-9,-55,91,3,false,Within IPS guidelines
P8428,Systematic,401k,USD,2025-10-26,1354304,110992,1243312,1.0,60.8,20.9,9.1,9.3,VTI:26.0%;IEF:26.0%;BND:26.0%;VOO:21.9%,US:64.7;EU:15.4;APAC:7.9;EM:7.8;Other:4.2,Value:+0.9;Growth:-0.5;Quality:-0.6;Size:+0.2;Momentum:-0.4;LowVol:+0.8,MaxPos7%,7,30,4.2,hard 12%,200,17.9,Bear,26.1,3.98,1.0,181,-99,10,73,true,Rebalance,Rebalance back to target bands,-5,-17,BrokerB,LMT,96,VAR>budget,Reduce,Risk above budget threshold,50,-12,75,5,false,Tax-aware sells next window
P8429,Active,Trust,USD,2024-10-12,1564864,102145,1462719,1.12,60.7,29.4,3.2,6.7,MSFT:25.5%;TSLA:23.4%;BND:25.5%;IEF:25.5%,US:63.1;EU:13.4;APAC:11.6;EM:11.0;Other:0.9,Value:-0.1;Growth:-0.1;Quality:+0.4;Size:+0.2;Momentum:-0.8;LowVol:-0.2,NoDerivatives,6,25,5.3,trailing 8%,165,21.3,Sideways,21.6,4.39,2.7,124,-5,36,53,false,Hedge,Add TLT +1% as duration hedge,-5,-38,BrokerA,VWAP,95,None,None,Normal monitoring,39,-59,132,5,false,Within IPS guidelines
P8430,Hands-off,Taxable,USD,2025-10-10,272190,14641,257549,1.0,55.4,19.2,17.8,7.6,BRK.B:22.6%;BND:17.0%;XLF:15.0%;GLD:22.6%;VTI:22.6%,US:56.6;EU:20.0;APAC:10.0;EM:8.7;Other:4.7,Value:+0.4;Growth:+0.1;Quality:-0.6;Size:+0.8;Momentum:-0.8;LowVol:-0.3,ESGOnly,7,25,4.7,trailing 8%,159,14.5,Bull,16.7,4.63,3.4,83,60,93,52,false,Buy,Add to core equity +1%,-2,-24,BrokerD,MKT,91,None,None,Normal monitoring,-51,-51,88,3,false,Monitor dispersion and breadth
P8431,Cautious,Taxable,USD,2025-06-10,151191,14062,137129,1.0,41.3,30.6,18.1,10.0,MUB:33.3%;VNQ:33.3%;MSFT:33.3%,US:63.7;EU:18.1;APAC:13.3;EM:4.2;Other:0.7,Value:-0.1;Growth:+0.9;Quality:+0.7;Size:+0.8;Momentum:-0.6;LowVol:+0.6,ESGOnly;NoDerivatives;NoMargin,10,35,5.7,trailing 8%,157,15.5,Bear,34.4,4.22,1.5,130,-50,39,69,false,Rebalance,Shift +1% to bonds from equity,26,-18,BrokerB,MKT,90,None,None,Normal monitoring,-38,15,22,4,false,Tax-aware sells next window
P8432,Cautious,Taxable,USD,2024-08-22,361388,46610,314778,1.0,43.4,37.4,5.5,13.7,XLF:28.9%;VNQ:28.9%;HYG:13.2%;GLD:28.9%,US:68.2;EU:6.8;APAC:12.2;EM:9.2;Other:3.6,Value:+0.9;Growth:-0.2;Quality:+0.3;Size:+0.9;Momentum:-0.9;LowVol:-0.4,ESGOnly;MaxPos5%;NoDerivatives;NoMargin,6,35,4.7,trailing 10%,165,14.5,Volatile,28.0,4.68,3.4,130,34,60,71,true,Reduce,"Cut high-beta by 2-3%, add cash",-2,-36,BrokerC,MKT,92,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-59,8,32,2,false,Within IPS guidelines
P8433,Hands-off,Roth,USD,2025-11-15,299202,24715,274487,1.0,70.0,20.5,0.0,9.5,VOO:16.2%;HYG:22.6%;TSLA:14.4%;IEF:23.4%;XLF:23.4%,US:61.4;EU:12.1;APAC:13.2;EM:11.1;Other:2.2,Value:+0.3;Growth:+0.3;Quality:-0.9;Size:+0.2;Momentum:+0.1;LowVol:-0.6,MaxPos5%,5,35,5.4,hard 10%,109,13.9,Sideways,17.4,4.96,2.2,129,-13,35,48,false,Rebalance,Shift +1% to bonds from equity,17,9,BrokerD,MKT,88,None,None,Normal monitoring,117,-34,91,4,false,Tighten stops on momentum names
P8434,Systematic,IRA,USD,2025-02-12,730611,60125,670486,1.0,63.5,30.5,0.0,6.1,VNQ:16.8%;MSFT:19.7%;AMZN:14.2%;QQQ:20.9%;BND:7.5%;MUB:20.9%,US:69.1;EU:12.7;APAC:13.7;EM:4.1;Other:0.3,Value:-0.2;Growth:-0.9;Quality:-0.2;Size:+0.6;Momentum:-0.4;LowVol:-0.3,MaxPos5%,7,30,4.5,trailing 9%,142,16.8,Bull,12.9,3.86,2.9,118,90,100,33,false,Rebalance,Shift +1% to bonds from equity,-7,-22,BrokerC,MKT,85,None,None,Normal monitoring,31,13,86,5,false,Monitor dispersion and breadth
P8435,Systematic,Roth,USD,2025-08-26,911904,62646,849258,1.0,57.9,30.0,4.8,7.2,VTI:22.4%;VNQ:18.5%;HYG:14.3%;VOO:22.4%;IEF:22.4%,US:61.6;EU:17.3;APAC:12.8;EM:4.1;Other:4.1,Value:-0.9;Growth:+0.9;Quality:0.0;Size:-0.8;Momentum:-0.5;LowVol:-0.1,MaxPos7%,7,25,4.9,trailing 8%,191,24.3,Bear,31.9,3.23,1.5,173,-22,27,75,true,Hedge,Buy index puts 1% notional,17,-30,BrokerA,LMT,92,Drift>tolerance,Pause,Allocation drift beyond policy bands,-9,6,22,5,true,Tighten stops on momentum names
P8436,Active,Taxable,USD,2025-02-11,1024846,76782,948064,1.1,62.0,28.6,0.0,9.5,XLF:26.6%;HYG:15.8%;MUB:26.6%;AMZN:16.6%;AAPL:14.3%,US:74.3;EU:6.6;APAC:8.0;EM:10.4;Other:0.8,Value:-0.3;Growth:+0.8;Quality:-0.3;Size:-1.0;Momentum:+0.6;LowVol:-0.2,NoDerivatives,8,30,4.2,trailing 8%,143,24.5,Volatile,25.6,5.2,2.9,171,8,62,78,true,Hedge,Buy index puts 1% notional,-9,-7,BrokerA,LMT,93,VAR>budget,Hedge,Risk above budget threshold,3,-1,139,5,false,Tighten stops on momentum names
P8437,Hands-off,Taxable,USD,2024-07-14,686136,27477,658659,1.0,56.9,17.8,18.1,7.2,AAPL:20.0%;XLF:18.5%;MUB:18.5%;QQQ:20.4%;IEF:12.2%;TSLA:10.3%,US:64.7;EU:18.9;APAC:12.8;EM:3.6;Other:0.1,Value:-1.0;Growth:-0.3;Quality:+0.9;Size:0.0;Momentum:+0.1;LowVol:-0.8,MaxPos5%,10,30,3.5,trailing 8%,142,12.9,Bear,30.2,4.28,1.6,208,-69,24,67,false,Rebalance,Shift +1% to bonds from equity,31,-16,BrokerC,MKT,91,None,None,Normal monitoring,112,-31,165,5,false,Increase defensive factor exposure
P8438,Hands-off,Trust,USD,2025-07-31,271606,22742,248864,1.0,62.0,21.1,8.4,8.6,TLT:14.0%;VOO:15.8%;MUB:20.8%;TSLA:9.9%;MSFT:18.8%;AAPL:20.8%,US:62.6;EU:9.7;APAC:12.8;EM:11.8;Other:3.1,Value:-0.7;Growth:+0.8;Quality:+0.5;Size:+0.6;Momentum:+0.1;LowVol:+0.4,NoDerivatives,5,35,3.7,hard 10%,141,17.8,Bull,13.7,3.89,2.6,91,4,54,45,true,Reduce,"Cut high-beta by 2-3%, add cash",-11,7,BrokerD,VWAP,95,Drift>tolerance,Reduce,Allocation drift beyond policy bands,43,-24,181,2,true,Within IPS guidelines
P8439,Systematic,Taxable,USD,2025-03-05,1667173,72351,1594822,1.0,59.5,31.4,2.2,6.8,TSLA:11.8%;MUB:21.2%;IEF:17.7%;AMZN:11.9%;MSFT:20.2%;VOO:17.3%,US:60.4;EU:16.1;APAC:11.6;EM:10.3;Other:1.7,Value:+0.1;Growth:+0.4;Quality:+0.6;Size:+0.1;Momentum:+0.1;LowVol:-0.2,NoDerivatives,6,30,5.3,trailing 8%,146,25.7,Bull,12.0,3.6,2.8,102,103,100,34,true,Hedge,Buy index puts 1% notional,0,-34,BrokerC,LMT,85,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-52,-1,10,5,true,Within IPS guidelines
P8440,Systematic,IRA,USD,2025-05-31,521589,40578,481011,1.0,67.5,27.1,0.0,5.3,VOO:25.0%;QQQ:25.0%;VNQ:25.0%;HYG:25.0%,US:61.3;EU:21.8;APAC:6.8;EM:8.8;Other:1.3,Value:-0.7;Growth:-0.6;Quality:+0.3;Size:+0.5;Momentum:+0.9;LowVol:+0.3,NoDerivatives,7,35,5.0,trailing 9%,179,26.7,Sideways,17.8,4.24,2.1,121,37,67,48,false,Sell,Trim extended winner -1%,22,-38,BrokerA,VWAP,85,None,None,Normal monitoring,-57,-21,57,3,false,Monitor dispersion and breadth
P8441,Systematic,Trust,USD,2025-10-14,700000,53740,646260,1.0,60.6,31.3,0.0,8.1,AMZN:17.5%;MUB:12.7%;QQQ:17.1%;VOO:20.8%;VTI:17.2%;VNQ:14.6%,US:56.1;EU:14.2;APAC:12.8;EM:12.6;Other:4.3,Value:+0.5;Growth:-0.0;Quality:-0.3;Size:-0.7;Momentum:-0.7;LowVol:+0.5,,7,35,4.8,hard 12%,142,16.4,Sideways,14.3,4.83,2.0,130,28,52,35,false,Rebalance,Shift +1% to bonds from equity,9,-29,BrokerB,MKT,100,None,None,Normal monitoring,-55,-5,-69,5,false,Increase defensive factor exposure
P8442,Hands-off,Roth,USD,2025-09-25,453324,26733,426591,1.0,73.0,21.6,0.0,5.4,XLF:16.8%;MSFT:27.0%;MUB:27.0%;VOO:15.7%;BND:13.5%,US:72.7;EU:8.0;APAC:10.0;EM:5.0;Other:4.4,Value:+0.5;Growth:-0.5;Quality:-0.9;Size:+0.3;Momentum:+0.7;LowVol:+0.6,ESGOnly;NoDerivatives,6,30,3.8,trailing 8%,129,13.9,Bull,11.7,4.38,3.1,106,110,97,41,false,Hedge,Add TLT +1% as duration hedge,-14,6,BrokerC,LMT,97,None,None,Normal monitoring,41,-33,135,4,false,Monitor dispersion and breadth
P8443,Cautious,IRA,USD,2025-11-16,161575,21927,139648,1.0,46.3,39.7,0.0,14.0,TLT:20.2%;MUB:17.5%;TSLA:20.6%;HYG:17.3%;VTI:14.2%;AAPL:10.2%,US:53.4;EU:18.4;APAC:13.4;EM:10.7;Other:4.1,Value:-0.4;Growth:+0.3;Quality:-0.4;Size:-0.1;Momentum:-0.3;LowVol:-0.3,ESGOnly;MaxPos5%;NoDerivatives;NoMargin,5,35,3.5,trailing 10%,148,17.2,Volatile,31.0,5.06,2.9,165,48,77,73,true,Rebalance,Rebalance back to target bands,30,-32,BrokerB,MKT,98,RegimeShift,Reduce,Volatility spike and breadth deterioration,72,-20,118,3,false,Increase defensive factor exposure
P8444,Opportunistic,Trust,USD,2025-04-30,893569,39914,853655,1.0,68.6,16.1,7.2,8.1,MUB:8.2%;BND:24.3%;GLD:19.0%;VOO:24.3%;BRK.B:24.3%,US:65.3;EU:12.3;APAC:12.1;EM:8.1;Other:2.2,Value:-0.4;Growth:+0.1;Quality:+0.2;Size:+1.0;Momentum:-0.1;LowVol:+1.0,MaxPos5%;NoDerivatives,8,25,5.6,trailing 9%,255,27.7,Bull,13.1,4.14,3.2,102,114,100,44,false,Buy,Add to core equity +1%,26,-20,BrokerD,LMT,93,None,None,Normal monitoring,100,-37,195,4,false,Tighten stops on momentum names
P8445,Active,Roth,USD,2025-06-08,2296231,213030,2083201,1.0,69.2,21.8,3.1,5.9,MSFT:33.3%;VNQ:33.3%;VOO:33.3%,US:59.3;EU:11.1;APAC:13.6;EM:13.5;Other:2.5,Value:-0.1;Growth:-0.6;Quality:+0.8;Size:+0.7;Momentum:-0.6;LowVol:-0.6,NoDerivatives,6,30,5.7,trailing 9%,130,26.0,Volatile,23.8,4.62,4.2,151,-30,48,67,false,Buy,Add to core equity +1%,23,-32,BrokerA,MKT,99,None,None,Normal monitoring,55,-23,25,4,false,Tax-aware sells next window
P8446,Cautious,Roth,USD,2024-12-06,219262,25971,193291,1.0,51.4,37.6,0.0,10.9,VOO:25.5%;AMZN:26.2%;HYG:25.5%;TSLA:22.8%,US:64.3;EU:16.1;APAC:9.0;EM:10.4;Other:0.2,Value:-0.8;Growth:+0.1;Quality:-0.3;Size:+0.6;Momentum:-0.9;LowVol:-0.3,MaxPos8%;NoDerivatives;NoMargin,10,30,3.4,hard 10%,113,15.3,Volatile,21.8,4.19,3.2,156,42,65,52,false,Buy,Add to core equity +1%,34,-6,BrokerA,LMT,92,None,None,Normal monitoring,64,-58,75,3,false,Tax-aware sells next window
P8447,Systematic,Trust,USD,2025-05-04,816948,36002,780946,1.0,56.8,26.7,10.1,6.4,BND:21.6%;HYG:12.0%;BRK.B:11.7%;GLD:13.1%;VOO:21.6%;MUB:19.9%,US:67.3;EU:15.0;APAC:6.2;EM:8.5;Other:3.0,Value:-0.2;Growth:+0.6;Quality:-0.4;Size:-0.6;Momentum:+0.7;LowVol:-0.4,,5,30,6.0,trailing 8%,220,18.7,Bull,12.1,4.4,2.7,76,52,90,31,false,Rebalance,Shift +1% to bonds from equity,-12,-7,BrokerC,MKT,95,None,None,Normal monitoring,109,-41,115,5,false,Tax-aware sells next window
P8448,Opportunistic,401k,USD,2025-04-06,1672774,106342,1566432,1.0,61.0,14.4,19.1,5.4,GLD:33.3%;TSLA:33.3%;VTI:33.3%,US:58.3;EU:17.2;APAC:10.8;EM:12.7;Other:1.0,Value:+0.6;Growth:-1.0;Quality:-0.1;Size:+0.6;Momentum:+0.7;LowVol:-0.9,,7,30,5.2,hard 12%,189,30.7,Bull,12.6,3.67,3.1,118,58,68,34,false,Sell,Trim extended winner -1%,-6,-20,BrokerA,MKT,98,None,None,Normal monitoring,-37,-12,-43,3,false,Tighten stops on momentum names
P8449,Active,Taxable,USD,2024-07-23,1145835,123995,1021840,1.0,57.8,22.1,11.9,8.2,AMZN:25.0%;BND:25.0%;VNQ:25.0%;XLF:25.0%,US:69.9;EU:13.0;APAC:5.3;EM:10.4;Other:1.4,Value:0.0;Growth:+0.1;Quality:+0.3;Size:-0.5;Momentum:+0.2;LowVol:-0.2,MaxPos6%,7,30,5.7,trailing 8%,154,27.4,Bull,17.5,4.7,2.1,80,2,41,58,false,Rebalance,Shift +1% to bonds from equity,-15,4,BrokerA,MKT,93,None,None,Normal monitoring,39,-43,5,3,false,Tax-aware sells next window
P8450,Hands-off,Trust,USD,2024-12-18,737220,35168,702052,1.0,67.8,22.0,2.2,8.0,BRK.B:27.9%;XLF:20.7%;HYG:27.9%;IEF:23.5%,US:69.7;EU:10.4;APAC:7.8;EM:9.5;Other:2.6,Value:-0.2;Growth:-0.8;Quality:+0.1;Size:-0.0;Momentum:+0.1;LowVol:-0.3,NoDerivatives,5,35,5.2,hard 10%,161,14.1,Volatile,25.5,3.69,2.9,167,-51,13,66,false,Sell,Trim extended winner -1%,-15,-18,BrokerB,LMT,88,None,None,Normal monitoring,83,-51,107,3,false,Tax-aware sells next window
P8451,Cautious,Trust,USD,2025-09-10,878312,84061,794251,1.0,49.1,33.3,0.0,17.6,MUB:20.5%;QQQ:17.3%;AMZN:12.3%;GLD:16.5%;AAPL:18.5%;BND:14.9%,US:71.8;EU:7.8;APAC:10.2;EM:9.7;Other:0.5,Value:-0.7;Growth:+0.2;Quality:+1.0;Size:+0.6;Momentum:-0.5;LowVol:+0.2,ESGOnly;NoDerivatives;NoMargin,8,35,4.6,trailing 8%,162,17.1,Volatile,28.5,4.46,2.9,177,-13,45,66,false,NoAction,Within bands; monitor,-11,14,BrokerA,LMT,95,None,None,Normal monitoring,-3,-15,37,5,false,Increase defensive factor exposure
P8452,Hands-off,Taxable,USD,2024-08-06,343250,25984,317266,1.0,61.8,16.6,14.7,6.9,BRK.B:20.6%;TSLA:17.8%;MUB:16.0%;GLD:20.6%;QQQ:13.1%;VOO:11.9%,US:66.5;EU:9.1;APAC:14.3;EM:8.5;Other:1.5,Value:+0.4;Growth:+0.2;Quality:-0.8;Size:-1.0;Momentum:+0.3;LowVol:+1.0,ESGOnly;MaxPos6%,7,30,4.0,trailing 8%,164,16.9,Bull,13.0,4.59,2.6,95,62,77,43,false,Buy,Add to core equity +1%,11,-39,BrokerA,LMT,92,None,None,Normal monitoring,59,10,139,4,false,Increase defensive factor exposure
P8453,Hands-off,Taxable,USD,2025-06-26,801532,57784,743748,1.0,66.7,24.7,0.0,8.5,HYG:26.1%;TSLA:26.1%;VTI:21.8%;AAPL:26.1%,US:58.5;EU:17.7;APAC:13.0;EM:8.8;Other:1.9,Value:-0.3;Growth:-0.8;Quality:+0.9;Size:+0.7;Momentum:-0.3;LowVol:-0.4,MaxPos6%;NoDerivatives,10,35,5.6,hard 10%,140,16.3,Sideways,18.1,3.91,2.3,109,-4,57,52,false,NoAction,Within bands; monitor,14,-33,BrokerA,LMT,93,None,None,Normal monitoring,91,4,138,3,false,Increase defensive factor exposure
P8454,Opportunistic,Trust,USD,2025-08-01,1058569,80062,978507,1.05,72.9,15.5,3.4,8.2,XLF:12.4%;AMZN:21.1%;TSLA:12.7%;BND:12.9%;BRK.B:21.1%;VNQ:19.8%,US:70.0;EU:14.8;APAC:10.4;EM:4.6;Other:0.2,Value:+0.1;Growth:-0.0;Quality:-0.8;Size:+0.7;Momentum:+0.3;LowVol:-0.6,NoDerivatives,5,25,4.3,hard 12%,175,33.7,Bull,16.9,4.47,2.8,72,16,55,65,false,Rebalance,Shift +1% to bonds from equity,14,11,BrokerA,LMT,88,None,None,Normal monitoring,83,-14,80,4,false,Within IPS guidelines
P8455,Active,Trust,USD,2025-06-18,500736,39715,461021,1.0,51.8,25.0,15.2,8.0,VTI:33.3%;IEF:33.3%;BRK.B:33.3%,US:68.6;EU:9.0;APAC:10.7;EM:7.3;Other:4.4,Value:-0.1;Growth:-0.2;Quality:-0.8;Size:+0.2;Momentum:+0.5;LowVol:+0.1,NoDerivatives,6,35,5.2,hard 12%,186,23.7,Sideways,20.5,4.48,3.3,123,25,64,60,false,Sell,Trim extended winner -1%,4,-10,BrokerD,LMT,92,None,None,Normal monitoring,-46,10,4,4,false,Tighten stops on momentum names
P8456,Hands-off,Taxable,USD,2025-05-30,874545,79949,794596,1.0,60.6,29.2,4.9,5.3,MSFT:17.8%;TLT:16.1%;XLF:16.0%;VTI:15.1%;HYG:14.9%;QQQ:20.1%,US:56.5;EU:17.6;APAC:11.5;EM:10.8;Other:3.6,Value:-0.8;Growth:-0.4;Quality:+0.8;Size:+0.6;Momentum:+0.5;LowVol:-0.0,ESGOnly;NoDerivatives,10,25,5.2,trailing 8%,158,15.5,Bear,27.7,3.82,2.3,138,-71,7,71,true,Reduce,"Cut high-beta by 2-3%, add cash",-9,-19,BrokerC,LMT,91,VAR>budget,Reduce,Risk above budget threshold,-57,-37,75,4,false,Tax-aware sells next window
P8457,Hands-off,Trust,USD,2025-08-23,573181,55663,517518,1.0,73.3,19.2,0.0,7.5,IEF:24.5%;HYG:19.6%;VOO:9.0%;MSFT:22.3%;TSLA:24.5%,US:60.3;EU:18.5;APAC:8.6;EM:9.6;Other:3.0,Value:-0.0;Growth:+0.5;Quality:-0.3;Size:+0.2;Momentum:+0.8;LowVol:+0.4,ESGOnly;NoDerivatives,6,25,4.9,hard 10%,151,14.7,Bear,30.1,4.21,1.5,207,36,55,92,true,Rebalance,Rebalance back to target bands,-15,-16,BrokerD,VWAP,96,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,71,1,210,3,false,Increase defensive factor exposure
P8458,Hands-off,IRA,USD,2025-02-06,293093,26843,266250,1.0,67.8,24.0,0.0,8.3,XLF:16.1%;MSFT:24.6%;VNQ:24.6%;QQQ:23.3%;HYG:11.4%,US:68.1;EU:9.6;APAC:14.1;EM:7.5;Other:0.8,Value:-0.1;Growth:-0.5;Quality:+0.6;Size:+0.6;Momentum:+0.8;LowVol:0.0,NoDerivatives,6,35,5.9,trailing 8%,155,15.0,Bull,15.4,3.53,3.1,112,69,82,58,false,Buy,Add to core equity +1%,35,-8,BrokerC,LMT,100,None,None,Normal monitoring,-27,12,79,3,false,Tax-aware sells next window
P8459,Hands-off,Roth,USD,2025-10-12,652514,51316,601198,1.0,56.6,18.0,16.1,9.3,TSLA:33.3%;AMZN:33.3%;HYG:33.3%,US:57.2;EU:12.4;APAC:13.8;EM:11.7;Other:4.9,Value:+0.9;Growth:+0.9;Quality:-0.8;Size:+0.1;Momentum:+0.7;LowVol:+0.8,,10,35,3.8,trailing 8%,132,15.9,Bull,11.6,4.81,2.7,87,89,98,31,false,Buy,Add to core equity +1%,19,-5,BrokerC,LMT,95,None,None,Normal monitoring,103,20,210,3,false,Increase defensive factor exposure
P8460,Opportunistic,401k,USD,2025-08-07,771315,68105,703210,1.0,69.2,21.2,4.1,5.4,VOO:25.0%;IEF:25.0%;XLF:25.0%;AMZN:25.0%,US:60.5;EU:19.1;APAC:6.5;EM:10.6;Other:3.2,Value:+0.2;Growth:+0.2;Quality:-1.0;Size:0.0;Momentum:-0.3;LowVol:0.0,NoDerivatives,8,30,5.2,trailing 9%,255,29.0,Volatile,22.2,3.94,2.8,139,34,62,61,false,Rebalance,Shift +1% to bonds from equity,-15,14,BrokerA,LMT,86,None,None,Normal monitoring,37,-60,100,3,false,Within IPS guidelines
P8461,Opportunistic,Trust,USD,2025-01-21,540027,23820,516207,1.0,70.8,10.8,11.9,6.5,TLT:16.5%;AAPL:21.0%;GLD:20.9%;VNQ:20.5%;BND:21.0%,US:69.2;EU:5.5;APAC:11.3;EM:10.2;Other:3.8,Value:+0.5;Growth:+0.7;Quality:-0.7;Size:-0.7;Momentum:-0.8;LowVol:+0.9,MaxPos6%,10,30,5.4,hard 12%,185,28.2,Sideways,18.0,4.41,2.2,125,7,48,63,false,Sell,Trim extended winner -1%,-6,-27,BrokerD,LMT,93,None,None,Normal monitoring,-29,7,-32,5,false,Tighten stops on momentum names
P8462,Hands-off,Trust,USD,2024-08-31,379992,25481,354511,1.0,56.0,27.4,7.7,8.9,IEF:34.5%;VTI:34.5%;XLF:31.0%,US:67.8;EU:11.1;APAC:6.2;EM:11.9;Other:3.0,Value:+0.4;Growth:-0.9;Quality:+0.8;Size:-0.9;Momentum:+0.9;LowVol:+0.4,,7,35,4.9,hard 10%,101,14.2,Bear,31.3,4.41,1.0,173,-11,40,73,true,Reduce,"Cut high-beta by 2-3%, add cash",26,-3,BrokerC,LMT,95,VAR>budget,Reduce,Risk above budget threshold,-24,-47,34,3,false,Tighten stops on momentum names
P8463,Cautious,Trust,USD,2025-05-11,640066,56149,583917,1.0,36.7,42.6,9.3,11.3,BRK.B:36.0%;TLT:36.0%;AAPL:28.0%,US:78.0;EU:7.4;APAC:7.6;EM:3.8;Other:3.3,Value:-0.6;Growth:0.0;Quality:-0.5;Size:+0.6;Momentum:+0.2;LowVol:+1.0,ESGOnly;NoMargin,10,35,3.7,trailing 8%,109,15.9,Volatile,31.1,3.67,3.1,154,-45,36,67,false,Buy,Add to core equity +1%,16,-7,BrokerA,LMT,86,None,None,Normal monitoring,101,-57,66,5,false,Tax-aware sells next window
P8464,Cautious,Roth,USD,2024-10-11,492913,69413,423500,1.0,50.4,35.8,0.0,13.8,XLF:12.8%;BND:14.4%;IEF:17.5%;AMZN:20.8%;VTI:16.7%;BRK.B:17.8%,US:72.2;EU:7.5;APAC:9.0;EM:5.0;Other:6.3,Value:+0.8;Growth:-0.9;Quality:-0.6;Size:-0.4;Momentum:+0.4;LowVol:+0.2,ESGOnly;NoDerivatives;NoMargin,8,25,5.9,trailing 8%,109,14.1,Volatile,24.5,5.39,3.8,172,76,99,57,false,Rebalance,Shift +1% to bonds from equity,19,-33,BrokerC,LMT,88,None,None,Normal monitoring,72,17,160,3,false,Tighten stops on momentum names
P8465,Cautious,Trust,USD,2024-12-18,191777,24900,166877,1.0,41.2,41.9,0.0,17.0,VOO:18.1%;IEF:16.6%;HYG:23.9%;BRK.B:17.5%;BND:23.9%,US:70.2;EU:7.5;APAC:7.6;EM:11.8;Other:2.9,Value:-0.8;Growth:+0.4;Quality:+0.5;Size:+0.6;Momentum:+0.6;LowVol:-0.5,ESGOnly;MaxPos6%;NoMargin,8,35,4.5,trailing 8%,148,19.6,Bear,24.6,3.95,1.2,153,-85,20,53,false,Buy,Add to core equity +1%,11,-39,BrokerB,MKT,93,None,None,Normal monitoring,-47,-6,30,3,false,Increase defensive factor exposure
P8466,Systematic,Taxable,USD,2025-10-29,1623723,137144,1486579,1.0,64.5,20.1,6.7,8.6,TSLA:35.6%;BRK.B:35.6%;BND:28.7%,US:66.7;EU:13.5;APAC:9.2;EM:6.8;Other:3.7,Value:-0.2;Growth:+0.5;Quality:-0.7;Size:-0.3;Momentum:+0.6;LowVol:+0.3,NoDerivatives,10,30,4.5,trailing 8%,212,20.6,Volatile,23.2,5.16,2.2,127,-46,21,55,false,Buy,Add to core equity +1%,35,-39,BrokerD,VWAP,88,None,None,Normal monitoring,87,-50,120,4,false,Tax-aware sells next window
P8467,Cautious,Trust,USD,2025-10-07,388391,60696,327695,1.0,51.0,33.5,1.5,14.0,HYG:12.2%;VNQ:23.1%;XLF:23.1%;QQQ:23.1%;VTI:18.5%,US:59.5;EU:10.0;APAC:11.8;EM:13.8;Other:4.9,Value:+1.0;Growth:-0.5;Quality:0.0;Size:+0.6;Momentum:-0.6;LowVol:+0.9,ESGOnly;NoMargin,8,35,3.5,trailing 8%,153,19.1,Bull,12.6,3.54,2.3,99,4,51,31,false,Rebalance,Shift +1% to bonds from equity,-5,-9,BrokerB,MKT,98,None,None,Normal monitoring,41,-40,32,4,false,Tighten stops on momentum names
P8468,Active,Roth,USD,2024-11-21,1257688,145480,1112208,1.0,60.9,20.7,12.0,6.4,XLF:13.9%;TLT:24.9%;MUB:24.9%;TSLA:11.3%;QQQ:24.9%,US:64.3;EU:13.0;APAC:13.1;EM:8.3;Other:1.3,Value:+0.3;Growth:-0.6;Quality:-0.1;Size:0.0;Momentum:-0.3;LowVol:-0.8,MaxPos8%,7,35,4.7,trailing 8%,164,25.1,Sideways,19.6,4.76,3.4,138,40,80,54,false,Buy,Add to core equity +1%,7,9,BrokerB,VWAP,95,None,None,Normal monitoring,99,-59,214,4,false,Tax-aware sells next window
P8469,Active,Taxable,USD,2025-08-05,673421,47899,625522,1.0,59.8,26.0,8.1,6.1,MUB:28.3%;TLT:28.3%;VOO:15.1%;VNQ:28.3%,US:69.0;EU:17.7;APAC:8.2;EM:3.8;Other:1.3,Value:+0.3;Growth:0.0;Quality:-0.1;Size:-0.8;Momentum:+1.0;LowVol:+1.0,MaxPos5%,5,25,6.0,trailing 8%,141,16.0,Bull,14.8,3.92,2.1,103,45,64,48,false,Rebalance,Shift +1% to bonds from equity,-11,4,BrokerB,MKT,93,None,None,Normal monitoring,3,19,45,5,false,Within IPS guidelines
P8470,Hands-off,Taxable,USD,2025-06-02,183467,10088,173379,1.0,64.9,26.8,0.0,8.3,QQQ:29.3%;GLD:35.3%;TSLA:35.3%,US:70.1;EU:7.1;APAC:12.2;EM:8.6;Other:1.9,Value:-0.6;Growth:-0.5;Quality:+0.3;Size:-0.8;Momentum:+0.3;LowVol:+0.1,,6,30,3.2,trailing 8%,119,12.7,Bull,13.3,3.53,2.5,96,4,39,51,false,Rebalance,Shift +1% to bonds from equity,-6,3,BrokerB,MKT,100,None,None,Normal monitoring,25,13,113,3,false,Monitor dispersion and breadth
P8471,Active,Roth,USD,2025-01-13,1457580,121929,1335651,1.0,52.3,22.7,16.2,8.8,QQQ:26.8%;TLT:26.8%;BRK.B:26.8%;MUB:19.6%,US:65.2;EU:7.5;APAC:16.9;EM:8.9;Other:1.6,Value:-0.0;Growth:-0.3;Quality:+0.2;Size:-0.9;Momentum:-0.9;LowVol:-0.9,,8,25,4.9,hard 12%,149,23.5,Volatile,21.5,4.09,3.8,147,-55,23,48,true,Reduce,"Cut high-beta by 2-3%, add cash",11,-2,BrokerD,MKT,86,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-37,19,-30,3,false,Within IPS guidelines
P8472,Active,Trust,USD,2025-09-02,2233001,203068,2029933,1.0,61.3,28.3,2.0,8.4,BRK.B:13.9%;XLF:12.5%;AMZN:22.5%;GLD:25.5%;TSLA:25.5%,US:63.5;EU:13.5;APAC:13.1;EM:7.4;Other:2.4,Value:+0.3;Growth:-0.1;Quality:+0.6;Size:+0.7;Momentum:-0.6;LowVol:+0.5,,7,35,4.7,hard 12%,202,26.6,Bear,33.0,3.44,2.6,206,-9,57,81,true,Hedge,Buy index puts 1% notional,-1,-40,BrokerC,MKT,95,VAR>budget,Reduce,Risk above budget threshold,73,9,134,4,false,Tax-aware sells next window
P8473,Opportunistic,IRA,USD,2024-12-09,1335897,103885,1232012,1.06,67.3,11.0,13.8,7.9,MSFT:17.5%;BND:15.3%;XLF:18.2%;MUB:19.1%;VNQ:9.1%;AAPL:20.8%,US:68.6;EU:8.3;APAC:11.4;EM:9.7;Other:1.9,Value:+0.6;Growth:-0.6;Quality:+0.4;Size:+0.2;Momentum:-0.4;LowVol:-0.9,MaxPos7%,5,30,5.6,trailing 9%,199,21.4,Bull,12.8,4.64,2.3,81,91,100,54,false,Buy,Add to core equity +1%,34,9,BrokerC,MKT,93,None,None,Normal monitoring,104,6,132,4,false,Tighten stops on momentum names
P8474,Cautious,Trust,USD,2025-08-22,388653,56185,332468,1.0,46.6,39.4,0.0,14.1,GLD:22.1%;TSLA:22.1%;AAPL:7.5%;AMZN:14.3%;VOO:11.9%;MUB:22.1%,US:68.7;EU:7.5;APAC:10.4;EM:6.6;Other:6.7,Value:-0.1;Growth:+1.0;Quality:-0.4;Size:+0.3;Momentum:+0.2;LowVol:+0.8,ESGOnly;NoDerivatives;NoMargin,5,35,4.0,trailing 10%,93,19.9,Volatile,25.8,4.51,4.3,134,25,49,63,false,Rebalance,Shift +1% to bonds from equity,-10,-3,BrokerD,MKT,90,None,None,Normal monitoring,-57,17,13,5,false,Increase defensive factor exposure
P8475,Cautious,IRA,USD,2025-05-19,443053,68965,374088,1.0,37.0,37.7,9.3,16.0,XLF:19.1%;VOO:18.6%;AMZN:18.5%;QQQ:21.9%;GLD:21.9%,US:69.3;EU:6.6;APAC:13.5;EM:9.9;Other:0.7,Value:-0.5;Growth:+0.8;Quality:-0.7;Size:+1.0;Momentum:-0.9;LowVol:+0.4,NoDerivatives;NoMargin,8,30,4.3,trailing 8%,125,15.9,Bull,11.5,4.51,2.8,101,59,72,31,false,Sell,Trim extended winner -1%,-10,-31,BrokerA,LMT,97,None,None,Normal monitoring,-59,-39,-53,4,false,Tax-aware sells next window
P8476,Systematic,Taxable,USD,2025-07-24,1256921,93453,1163468,1.0,61.8,28.4,0.0,9.7,HYG:23.4%;VOO:11.1%;QQQ:23.4%;TSLA:18.7%;MSFT:23.4%,US:70.3;EU:7.3;APAC:13.4;EM:8.6;Other:0.3,Value:-0.5;Growth:-0.2;Quality:-0.5;Size:-1.0;Momentum:-0.8;LowVol:+0.3,MaxPos7%,10,25,4.4,trailing 8%,172,24.5,Bull,14.3,3.71,3.1,81,58,89,50,true,Hedge,Buy index puts 1% notional,9,-34,BrokerD,MKT,86,Drift>tolerance,Hedge,Allocation drift beyond policy bands,48,-51,102,5,false,Tax-aware sells next window
P8477,Active,Trust,USD,2025-01-29,1003226,115333,887893,1.0,50.6,19.4,23.2,6.9,MUB:19.4%;AAPL:14.8%;VNQ:17.2%;BRK.B:24.4%;TLT:24.2%,US:63.4;EU:13.5;APAC:13.6;EM:8.1;Other:1.3,Value:-0.3;Growth:+0.8;Quality:+0.3;Size:+1.0;Momentum:-0.8;LowVol:-0.8,,5,25,5.7,trailing 9%,161,16.3,Volatile,27.6,5.14,3.7,137,6,52,74,true,Hedge,Buy index puts 1% notional,-10,-22,BrokerC,LMT,100,Drift>tolerance,Pause,Allocation drift beyond policy bands,120,-58,224,2,false,Tighten stops on momentum names
P8478,Cautious,Taxable,USD,2024-09-21,788038,102614,685424,1.0,38.9,43.6,3.7,13.8,MUB:16.2%;AMZN:11.3%;AAPL:11.3%;VOO:22.1%;VNQ:17.0%;IEF:22.1%,US:73.4;EU:7.1;APAC:11.9;EM:5.5;Other:2.1,Value:+0.5;Growth:-0.3;Quality:+0.9;Size:-1.0;Momentum:-0.5;LowVol:-1.0,MaxPos6%;NoDerivatives;NoMargin,8,25,4.4,trailing 8%,132,16.7,Volatile,30.7,4.17,2.7,158,62,82,73,true,Reduce,"Cut high-beta by 2-3%, add cash",32,-29,BrokerA,LMT,98,Drift>tolerance,Pause,Allocation drift beyond policy bands,17,-43,74,4,false,Tighten stops on momentum names
P8479,Opportunistic,IRA,USD,2025-08-08,703507,55715,647792,1.0,63.2,13.3,18.3,5.2,QQQ:11.9%;MSFT:10.4%;TLT:15.3%;GLD:20.8%;AAPL:20.8%;BND:20.8%,US:62.8;EU:17.9;APAC:14.9;EM:3.7;Other:0.7,Value:+0.1;Growth:-0.3;Quality:+0.5;Size:-0.9;Momentum:-0.0;LowVol:+0.4,NoDerivatives,6,25,4.9,trailing 7%,267,30.0,Volatile,29.2,4.6,3.7,157,-27,42,77,true,Hedge,Buy index puts 1% notional,-2,-18,BrokerB,MKT,97,RegimeShift,Hedge,Volatility spike and breadth deterioration,33,-7,87,3,false,Within IPS guidelines
P8480,Hands-off,Roth,USD,2024-11-28,212921,15446,197475,1.0,67.3,15.1,8.8,8.7,TSLA:33.3%;HYG:33.3%;TLT:33.3%,US:67.9;EU:7.4;APAC:13.6;EM:9.9;Other:1.3,Value:+0.1;Growth:+0.7;Quality:+0.5;Size:-0.9;Momentum:-0.0;LowVol:+1.0,ESGOnly,5,35,4.3,hard 10%,98,14.1,Bull,12.2,4.87,2.5,77,31,66,42,false,Buy,Add to core equity +1%,15,9,BrokerC,LMT,93,None,None,Normal monitoring,51,-56,25,3,false,Increase defensive factor exposure
P8481,Cautious,Roth,USD,2025-10-13,557299,73244,484055,1.0,46.5,31.9,3.6,18.0,QQQ:19.1%;MSFT:13.7%;BRK.B:9.2%;HYG:21.7%;BND:17.1%;TSLA:19.2%,US:70.9;EU:9.6;APAC:9.4;EM:9.3;Other:0.9,Value:+0.4;Growth:-0.5;Quality:+0.9;Size:+0.6;Momentum:+0.5;LowVol:+0.1,ESGOnly;NoMargin,5,35,4.9,trailing 8%,107,19.1,Bear,22.2,3.71,2.6,156,2,39,60,false,Buy,Add to core equity +1%,5,-35,BrokerC,LMT,85,None,None,Normal monitoring,45,-33,52,5,false,Tax-aware sells next window
P8482,Active,Trust,USD,2025-10-02,914193,76783,837410,1.0,60.7,22.7,11.1,5.4,TLT:25.9%;HYG:25.9%;XLF:22.4%;VTI:25.9%,US:63.4;EU:14.3;APAC:12.7;EM:9.0;Other:0.6,Value:+0.6;Growth:+0.5;Quality:-1.0;Size:-0.7;Momentum:-0.5;LowVol:-0.6,,10,25,5.2,hard 12%,153,20.9,Sideways,15.2,4.84,3.0,118,-8,60,55,false,Hedge,Add TLT +1% as duration hedge,-6,13,BrokerC,LMT,87,None,None,Normal monitoring,-38,-46,73,3,false,Tighten stops on momentum names
P8483,Hands-off,Taxable,USD,2025-05-03,788215,63718,724497,1.0,70.3,15.9,5.4,8.4,BRK.B:13.1%;GLD:19.6%;AAPL:20.0%;HYG:10.7%;QQQ:20.9%;AMZN:15.8%,US:63.6;EU:17.2;APAC:10.7;EM:4.4;Other:4.1,Value:+0.1;Growth:+0.7;Quality:0.0;Size:+0.1;Momentum:+1.0;LowVol:+0.4,ESGOnly,6,25,3.9,hard 10%,134,19.6,Sideways,19.9,4.06,3.5,135,43,83,57,false,Hedge,Add TLT +1% as duration hedge,10,-26,BrokerA,LMT,91,None,None,Normal monitoring,116,12,148,5,false,Within IPS guidelines
P8484,Systematic,Roth,USD,2025-06-13,1406167,86645,1319522,1.0,56.8,30.1,7.0,6.0,MSFT:24.5%;TLT:16.6%;MUB:24.5%;VNQ:24.5%;AMZN:9.8%,US:67.7;EU:12.1;APAC:10.3;EM:8.3;Other:1.6,Value:+0.5;Growth:-0.9;Quality:+0.3;Size:+0.4;Momentum:-0.2;LowVol:-0.4,,8,25,5.7,trailing 9%,225,26.9,Bull,16.6,3.81,2.3,108,84,99,54,false,Rebalance,Shift +1% to bonds from equity,-7,-20,BrokerC,MKT,96,None,None,Normal monitoring,117,16,139,3,false,Tax-aware sells next window
P8485,Cautious,Trust,USD,2025-11-15,654508,93705,560803,1.0,48.4,37.2,0.0,14.4,AAPL:14.0%;XLF:22.5%;VNQ:22.5%;BRK.B:18.6%;AMZN:22.5%,US:64.3;EU:14.2;APAC:10.4;EM:7.9;Other:3.2,Value:-0.8;Growth:-0.4;Quality:+0.7;Size:-0.7;Momentum:-0.3;LowVol:+0.7,ESGOnly;MaxPos7%;NoMargin,5,35,4.9,hard 10%,164,17.8,Bull,12.3,3.72,3.4,90,25,75,42,false,Sell,Trim extended winner -1%,13,-8,BrokerC,VWAP,98,None,None,Normal monitoring,-21,-46,119,5,false,Increase defensive factor exposure
P8486,Opportunistic,401k,USD,2025-02-15,591377,45583,545794,1.0,67.6,20.7,7.4,4.2,XLF:17.9%;BND:20.8%;TSLA:9.7%;VNQ:20.8%;HYG:16.1%;TLT:14.8%,US:61.6;EU:18.4;APAC:9.1;EM:10.8;Other:0.2,Value:-0.7;Growth:-0.9;Quality:+0.3;Size:-0.7;Momentum:+0.4;LowVol:-0.8,NoDerivatives,7,35,6.2,trailing 9%,236,20.8,Bull,13.8,4.99,3.2,115,8,63,54,false,Rebalance,Shift +1% to bonds from equity,-12,-10,BrokerC,MKT,94,None,None,Normal monitoring,-44,19,61,5,false,Within IPS guidelines
P8487,Active,Trust,USD,2025-11-06,2376610,201824,2174786,1.0,69.4,22.3,2.6,5.8,VOO:18.1%;VTI:27.3%;AAPL:27.3%;MUB:27.3%,US:50.9;EU:18.0;APAC:14.8;EM:11.2;Other:5.0,Value:+0.9;Growth:-0.1;Quality:-0.7;Size:-1.0;Momentum:-0.3;LowVol:-0.6,,6,25,4.2,trailing 8%,160,21.4,Bull,17.9,4.08,3.3,119,3,39,64,false,Buy,Add to core equity +1%,2,7,BrokerD,LMT,96,None,None,Normal monitoring,15,-55,42,4,false,Increase defensive factor exposure
P8488,Hands-off,Taxable,USD,2025-08-20,397595,28597,368998,1.0,62.5,16.2,14.3,7.0,QQQ:19.4%;TLT:22.7%;TSLA:22.7%;HYG:12.9%;XLF:10.7%;GLD:11.5%,US:69.4;EU:8.6;APAC:10.2;EM:7.4;Other:4.4,Value:-1.0;Growth:-0.2;Quality:+0.2;Size:-1.0;Momentum:-0.3;LowVol:+0.5,ESGOnly,6,25,5.7,trailing 8%,131,19.3,Bull,16.0,4.33,2.1,106,4,38,57,false,NoAction,Within bands; monitor,14,-35,BrokerB,LMT,86,None,None,Normal monitoring,113,10,210,4,false,Within IPS guidelines
P8489,Cautious,401k,USD,2025-03-27,627367,82614,544753,1.0,52.7,30.3,0.3,16.7,AAPL:21.9%;HYG:22.4%;MSFT:19.9%;TLT:22.4%;VTI:13.4%,US:66.1;EU:6.7;APAC:17.2;EM:4.1;Other:5.9,Value:+0.8;Growth:+0.6;Quality:+0.1;Size:+0.6;Momentum:-0.6;LowVol:+0.7,ESGOnly;NoMargin,6,35,5.9,hard 10%,163,15.7,Bull,17.9,4.13,3.1,115,51,74,54,false,Buy,Add to core equity +1%,15,5,BrokerA,LMT,100,None,None,Normal monitoring,28,-1,97,5,false,Tighten stops on momentum names
P8490,Cautious,Trust,USD,2025-05-11,823935,113872,710063,1.0,44.3,31.3,8.5,15.9,XLF:25.3%;TLT:24.2%;VTI:25.3%;GLD:25.3%,US:74.2;EU:10.4;APAC:5.2;EM:8.1;Other:2.1,Value:-0.6;Growth:+0.3;Quality:-0.0;Size:+0.7;Momentum:+0.3;LowVol:+0.5,ESGOnly;MaxPos6%;NoMargin,6,25,3.9,trailing 10%,119,17.1,Sideways,20.7,4.17,2.5,118,45,62,50,true,Hedge,Buy index puts 1% notional,-14,-31,BrokerC,MKT,91,Drift>tolerance,Hedge,Allocation drift beyond policy bands,29,5,27,3,true,Monitor dispersion and breadth
P8491,Active,IRA,USD,2025-08-28,647693,65777,581916,1.0,62.7,30.5,0.0,6.8,XLF:34.4%;VOO:31.1%;AAPL:34.4%,US:67.8;EU:16.7;APAC:7.6;EM:4.6;Other:3.3,Value:+0.6;Growth:+0.1;Quality:+0.4;Size:+0.1;Momentum:-1.0;LowVol:+0.7,MaxPos8%,8,25,5.8,trailing 8%,120,21.4,Bull,11.2,3.89,3.1,114,59,75,43,false,Rebalance,Shift +1% to bonds from equity,23,-40,BrokerA,MKT,85,None,None,Normal monitoring,-52,-17,79,4,false,Tighten stops on momentum names
P8492,Hands-off,Trust,USD,2024-08-10,870736,42253,828483,1.0,63.3,21.7,7.9,7.2,QQQ:33.3%;VOO:33.3%;VNQ:33.3%,US:63.1;EU:12.1;APAC:12.8;EM:11.6;Other:0.4,Value:-0.4;Growth:-0.3;Quality:+0.2;Size:0.0;Momentum:-0.1;LowVol:-0.7,MaxPos5%,5,35,5.2,trailing 8%,117,18.2,Bear,30.0,4.36,1.6,157,-90,19,87,true,Rebalance,Rebalance back to target bands,22,-24,BrokerD,LMT,97,VAR>budget,Reduce,Risk above budget threshold,12,-53,113,4,false,Tighten stops on momentum names
P8493,Hands-off,IRA,USD,2024-12-05,803142,34439,768703,1.0,68.8,15.8,6.4,9.1,VOO:27.1%;MUB:26.4%;QQQ:19.3%;VNQ:27.1%,US:62.4;EU:16.0;APAC:6.7;EM:10.3;Other:4.6,Value:-0.2;Growth:+0.4;Quality:+0.7;Size:+0.1;Momentum:-0.9;LowVol:+0.1,,5,30,5.0,hard 10%,144,14.0,Volatile,20.6,4.97,3.9,119,80,100,72,true,Hedge,Buy index puts 1% notional,15,-35,BrokerC,LMT,97,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-49,-27,42,4,false,Monitor dispersion and breadth
P8494,Systematic,Roth,USD,2025-09-11,1368596,100736,1267860,1.0,55.0,35.0,3.1,6.9,IEF:20.8%;VNQ:17.0%;TSLA:17.4%;BND:12.4%;VTI:17.9%;QQQ:14.4%,US:59.6;EU:16.2;APAC:12.2;EM:8.5;Other:3.5,Value:+0.2;Growth:+0.5;Quality:-0.4;Size:+0.6;Momentum:-0.4;LowVol:-1.0,,10,30,5.2,trailing 8%,216,21.9,Volatile,30.6,3.72,3.9,157,72,81,77,true,Hedge,Buy index puts 1% notional,18,-23,BrokerB,MKT,88,VAR>budget,TightenStops,Risk above budget threshold,-3,-5,54,3,false,Tax-aware sells next window
P8495,Hands-off,IRA,USD,2025-07-12,561854,54332,507522,1.0,66.4,27.0,0.0,6.6,XLF:26.1%;MSFT:26.1%;VOO:26.1%;IEF:21.8%,US:67.6;EU:9.6;APAC:13.1;EM:8.1;Other:1.6,Value:-0.8;Growth:+0.6;Quality:-0.1;Size:-0.4;Momentum:+0.9;LowVol:-0.9,,6,30,4.4,trailing 8%,140,18.8,Sideways,15.9,3.9,2.4,116,24,59,48,false,Sell,Trim extended winner -1%,26,-28,BrokerB,MKT,95,None,None,Normal monitoring,81,-48,65,3,false,Tax-aware sells next window
P8496,Active,Trust,USD,2025-02-25,2094638,151906,1942732,1.0,62.2,23.7,4.4,9.7,AAPL:33.3%;MUB:33.3%;VNQ:33.3%,US:66.1;EU:10.9;APAC:10.2;EM:12.3;Other:0.5,Value:-0.6;Growth:+0.8;Quality:+0.9;Size:-0.5;Momentum:-0.1;LowVol:-0.4,NoDerivatives,10,35,5.1,trailing 8%,214,17.1,Bull,13.2,4.27,3.1,90,95,100,51,false,Buy,Add to core equity +1%,-13,11,BrokerA,MKT,89,None,None,Normal monitoring,52,-51,103,5,false,Monitor dispersion and breadth
P8497,Cautious,IRA,USD,2025-01-03,320750,40137,280613,1.0,43.0,35.1,11.7,10.2,AAPL:33.3%;MUB:33.3%;VNQ:33.3%,US:71.2;EU:8.0;APAC:7.8;EM:7.5;Other:5.4,Value:-0.1;Growth:+0.8;Quality:-0.9;Size:+0.2;Momentum:-0.3;LowVol:-0.3,NoMargin,6,35,4.4,trailing 8%,115,14.1,Bull,14.7,4.37,3.1,85,15,52,43,false,Buy,Add to core equity +1%,13,-18,BrokerA,LMT,88,None,None,Normal monitoring,-14,-54,112,5,false,Within IPS guidelines
P8498,Opportunistic,401k,USD,2025-06-21,1473530,65231,1408299,1.0,67.8,14.9,13.1,4.2,HYG:27.6%;TLT:27.6%;TSLA:17.1%;MUB:27.6%,US:69.7;EU:6.6;APAC:6.9;EM:11.8;Other:5.1,Value:+0.1;Growth:-0.2;Quality:+0.9;Size:+0.7;Momentum:-0.3;LowVol:0.0,MaxPos6%,6,25,5.2,hard 12%,239,29.4,Sideways,17.1,4.06,2.3,92,-27,26,50,false,Rebalance,Shift +1% to bonds from equity,18,15,BrokerD,MKT,89,None,None,Normal monitoring,53,-39,112,4,false,Increase defensive factor exposure
P8499,Hands-off,401k,USD,2025-10-21,666630,48810,617820,1.0,63.9,23.6,3.0,9.4,AMZN:21.7%;VNQ:21.7%;TLT:15.5%;AAPL:19.3%;MUB:21.7%,US:75.4;EU:5.4;APAC:9.7;EM:7.7;Other:1.8,Value:-1.0;Growth:-1.0;Quality:-0.3;Size:+0.5;Momentum:-0.1;LowVol:+0.5,ESGOnly,8,25,5.1,trailing 10%,154,12.9,Bull,15.6,3.7,2.2,72,63,72,40,false,NoAction,Within bands; monitor,-2,-40,BrokerA,VWAP,98,None,None,Normal monitoring,-50,-35,52,3,false,Monitor dispersion and breadth
P8500,Systematic,Trust,USD,2025-01-12,727763,42950,684813,1.0,62.6,31.4,0.0,6.0,VOO:19.9%;VNQ:9.5%;IEF:8.0%;MSFT:21.2%;XLF:21.2%;GLD:20.3%,US:68.2;EU:9.3;APAC:11.2;EM:7.6;Other:3.8,Value:-0.3;Growth:-1.0;Quality:+0.8;Size:+1.0;Momentum:+0.3;LowVol:+0.4,NoDerivatives,7,25,5.5,trailing 8%,127,27.2,Volatile,29.5,5.06,2.9,111,11,40,86,true,Hedge,Buy index puts 1% notional,17,5,BrokerA,LMT,85,RegimeShift,TightenStops,Volatility spike and breadth deterioration,91,-13,149,2,false,Tighten stops on momentum names
P8501,Opportunistic,Trust,USD,2025-08-02,564430,41476,522954,1.0,70.1,14.6,7.8,7.5,AAPL:33.3%;VNQ:33.3%;MSFT:33.3%,US:60.5;EU:18.3;APAC:10.9;EM:8.9;Other:1.5,Value:-0.3;Growth:+0.1;Quality:+0.9;Size:-0.8;Momentum:+0.1;LowVol:+0.7,MaxPos8%,8,30,4.0,trailing 7%,203,22.0,Sideways,19.6,4.19,2.6,117,-1,54,54,false,Sell,Trim extended winner -1%,17,2,BrokerB,VWAP,90,None,None,Normal monitoring,112,-44,141,5,false,Monitor dispersion and breadth
P8502,Systematic,Taxable,USD,2025-01-14,1903718,159347,1744371,1.0,68.6,20.7,3.6,7.2,AMZN:15.5%;TLT:8.5%;VTI:18.8%;BRK.B:20.3%;XLF:16.4%;MUB:20.3%,US:65.5;EU:13.2;APAC:13.1;EM:6.1;Other:2.1,Value:-0.0;Growth:+0.3;Quality:-0.0;Size:-1.0;Momentum:+0.5;LowVol:-0.6,,8,25,5.9,trailing 8%,175,24.6,Bull,13.5,3.81,2.4,81,38,64,49,false,Sell,Trim extended winner -1%,1,8,BrokerA,MKT,97,None,None,Normal monitoring,55,-26,62,5,false,Within IPS guidelines
P8503,Opportunistic,Taxable,USD,2025-09-14,332940,17282,315658,1.0,75.0,18.8,0.0,6.2,VTI:25.8%;AAPL:22.7%;QQQ:25.8%;TSLA:25.8%,US:69.8;EU:12.3;APAC:8.3;EM:7.8;Other:1.8,Value:+0.9;Growth:+0.5;Quality:-0.1;Size:+0.1;Momentum:-0.6;LowVol:+0.7,,7,30,4.1,trailing 7%,227,27.8,Bull,12.9,3.72,2.0,103,41,72,48,true,Rebalance,Rebalance back to target bands,30,-34,BrokerD,LMT,91,VAR>budget,Hedge,Risk above budget threshold,5,-9,124,4,false,Within IPS guidelines
P8504,Hands-off,IRA,USD,2025-05-18,564813,27622,537191,1.0,67.2,27.2,0.0,5.6,MSFT:23.1%;TSLA:17.4%;TLT:23.4%;HYG:23.4%;XLF:12.8%,US:73.0;EU:6.3;APAC:10.9;EM:9.0;Other:0.7,Value:-0.1;Growth:+0.2;Quality:+0.1;Size:+0.5;Momentum:+0.7;LowVol:+0.9,MaxPos8%,6,35,5.5,hard 10%,112,14.0,Bull,12.9,4.35,2.8,99,39,70,39,false,Sell,Trim extended winner -1%,0,-17,BrokerC,MKT,99,None,None,Normal monitoring,91,-53,211,5,false,Tighten stops on momentum names
P8505,Opportunistic,Roth,USD,2024-11-03,377192,17127,360065,1.0,72.9,19.0,0.0,8.2,VOO:28.2%;MSFT:28.2%;AAPL:15.4%;MUB:28.2%,US:69.7;EU:12.8;APAC:8.8;EM:7.1;Other:1.6,Value:-0.6;Growth:+0.9;Quality:+0.4;Size:+0.7;Momentum:+0.7;LowVol:-0.5,,8,25,6.1,hard 12%,273,33.7,Bull,12.6,4.99,3.4,115,112,97,52,false,Buy,Add to core equity +1%,-4,-36,BrokerB,LMT,100,None,None,Normal monitoring,30,2,34,3,false,Tax-aware sells next window
P8506,Active,IRA,USD,2025-01-04,1324863,83235,1241628,1.0,64.9,20.6,7.5,7.0,XLF:33.3%;MUB:33.3%;GLD:33.3%,US:68.0;EU:14.3;APAC:10.4;EM:4.1;Other:3.2,Value:-0.9;Growth:+0.7;Quality:0.0;Size:-1.0;Momentum:+0.6;LowVol:+0.2,NoDerivatives,7,35,5.4,trailing 8%,146,17.7,Sideways,17.0,4.82,2.0,109,12,44,43,false,Sell,Trim extended winner -1%,-9,-1,BrokerB,MKT,96,None,None,Normal monitoring,75,-25,37,4,false,Within IPS guidelines
P8507,Hands-off,Taxable,USD,2025-12-17,401196,30265,370931,1.0,65.2,19.2,6.7,8.9,QQQ:20.3%;BRK.B:17.8%;MSFT:15.6%;VOO:11.7%;BND:18.3%;VTI:16.3%,US:60.3;EU:16.0;APAC:13.6;EM:6.2;Other:3.9,Value:-0.6;Growth:-0.1;Quality:+0.8;Size:-0.3;Momentum:-0.6;LowVol:-0.9,,5,25,3.6,trailing 8%,91,14.4,Sideways,16.2,4.02,2.7,117,47,75,59,false,Rebalance,Shift +1% to bonds from equity,18,-21,BrokerC,MKT,89,None,None,Normal monitoring,101,-45,117,5,false,Tighten stops on momentum names
P8508,Cautious,IRA,USD,2025-04-28,247877,26921,220956,1.0,50.0,37.4,0.0,12.6,MSFT:33.3%;BND:33.3%;TSLA:33.3%,US:73.5;EU:13.8;APAC:5.4;EM:5.5;Other:1.8,Value:+0.2;Growth:+0.2;Quality:+0.1;Size:+1.0;Momentum:-0.1;LowVol:+0.1,ESGOnly;NoMargin,10,25,3.1,trailing 10%,125,13.7,Sideways,20.1,3.5,2.4,114,41,78,42,false,Rebalance,Shift +1% to bonds from equity,-9,-35,BrokerC,LMT,96,None,None,Normal monitoring,36,-1,115,4,false,Tighten stops on momentum names
P8509,Cautious,Trust,USD,2025-09-24,668651,60579,608072,1.0,50.6,35.1,0.0,14.3,QQQ:33.3%;AMZN:33.3%;AAPL:33.3%,US:69.5;EU:10.0;APAC:9.3;EM:7.4;Other:3.8,Value:-0.5;Growth:-0.6;Quality:+0.2;Size:+0.7;Momentum:-0.2;LowVol:+0.3,ESGOnly;NoMargin,8,35,5.5,trailing 8%,148,15.2,Sideways,17.0,3.51,2.2,112,-29,23,41,false,Sell,Trim extended winner -1%,28,-38,BrokerB,MKT,95,None,None,Normal monitoring,-34,-55,66,5,false,Increase defensive factor exposure
P8510,Hands-off,IRA,USD,2025-02-05,734141,62217,671924,1.0,68.5,19.3,6.3,5.9,IEF:17.6%;BND:21.4%;MSFT:16.8%;HYG:13.2%;XLF:9.6%;VTI:21.4%,US:71.6;EU:12.8;APAC:6.8;EM:3.7;Other:5.1,Value:+0.7;Growth:-0.2;Quality:+0.9;Size:+0.6;Momentum:-0.6;LowVol:0.0,NoDerivatives,7,30,4.2,trailing 8%,156,12.3,Bull,17.2,4.15,2.1,100,64,95,58,true,Hedge,Buy index puts 1% notional,11,-32,BrokerD,LMT,90,Drift>tolerance,Pause,Allocation drift beyond policy bands,55,-43,122,5,false,Tax-aware sells next window
P8511,Cautious,Roth,USD,2025-03-31,747687,81284,666403,1.0,46.9,42.8,0.0,10.3,AAPL:14.5%;MUB:24.1%;BRK.B:24.1%;HYG:13.1%;TSLA:24.1%,US:65.9;EU:17.5;APAC:7.1;EM:6.4;Other:3.0,Value:+1.0;Growth:+0.4;Quality:-0.9;Size:+0.4;Momentum:-0.3;LowVol:+0.8,ESGOnly;NoMargin,7,35,4.4,hard 10%,134,12.3,Volatile,28.7,5.06,3.1,145,14,68,67,false,Rebalance,Shift +1% to bonds from equity,-8,13,BrokerB,MKT,93,None,None,Normal monitoring,20,-50,51,5,false,Within IPS guidelines
P8512,Hands-off,Trust,USD,2025-06-20,453075,35696,417379,1.0,68.6,22.0,0.0,9.4,AAPL:25.6%;QQQ:37.2%;IEF:37.2%,US:72.4;EU:8.1;APAC:9.6;EM:6.1;Other:3.9,Value:+0.1;Growth:-0.7;Quality:+0.8;Size:0.0;Momentum:+0.6;LowVol:+0.2,,10,35,3.5,hard 10%,163,17.6,Sideways,19.4,3.84,3.3,126,-20,50,64,false,Sell,Trim extended winner -1%,29,-38,BrokerC,LMT,95,None,None,Normal monitoring,73,4,202,4,false,Tighten stops on momentum names
P8513,Systematic,Trust,USD,2025-05-03,1978365,152898,1825467,1.0,57.5,25.8,7.2,9.5,XLF:17.4%;VOO:11.8%;BND:10.5%;AAPL:22.6%;TLT:23.4%;MUB:14.3%,US:69.7;EU:10.9;APAC:13.6;EM:3.1;Other:2.6,Value:+0.2;Growth:+0.1;Quality:-0.5;Size:-0.4;Momentum:-0.3;LowVol:-0.1,,7,30,5.7,trailing 9%,134,19.5,Volatile,21.9,4.21,4.3,169,-11,48,64,true,Reduce,"Cut high-beta by 2-3%, add cash",-8,3,BrokerA,MKT,87,RegimeShift,Pause,Volatility spike and breadth deterioration,30,-13,67,4,false,Increase defensive factor exposure
P8514,Hands-off,Trust,USD,2025-02-09,248502,17251,231251,1.0,68.2,23.8,0.0,8.0,VTI:23.7%;BND:25.4%;VNQ:25.4%;GLD:25.4%,US:60.0;EU:13.5;APAC:15.5;EM:6.2;Other:4.8,Value:+0.2;Growth:-0.9;Quality:-0.2;Size:-0.1;Momentum:-0.7;LowVol:+0.9,MaxPos8%;NoDerivatives,7,30,4.8,hard 10%,109,18.0,Bull,16.7,4.56,2.6,79,34,71,62,false,Hedge,Add TLT +1% as duration hedge,-15,0,BrokerB,LMT,86,None,None,Normal monitoring,52,-13,128,4,false,Monitor dispersion and breadth
P8515,Cautious,Taxable,USD,2025-04-01,528183,71090,457093,1.0,39.6,43.9,0.0,16.5,AMZN:25.0%;TLT:25.0%;AAPL:25.0%;HYG:25.0%,US:62.3;EU:17.8;APAC:14.0;EM:5.2;Other:0.8,Value:-0.0;Growth:0.0;Quality:+0.7;Size:0.0;Momentum:+0.5;LowVol:+0.9,ESGOnly;NoMargin,8,30,5.7,trailing 8%,115,17.6,Sideways,17.2,3.99,2.9,139,20,60,45,false,Rebalance,Shift +1% to bonds from equity,-5,12,BrokerD,LMT,89,None,None,Normal monitoring,51,15,183,3,false,Within IPS guidelines
P8516,Systematic,Roth,USD,2024-10-03,593828,56321,537507,1.0,63.2,29.3,0.0,7.5,BND:37.4%;VOO:25.2%;IEF:37.4%,US:72.3;EU:7.1;APAC:5.8;EM:11.0;Other:3.8,Value:-0.9;Growth:-0.9;Quality:-0.1;Size:-1.0;Momentum:+0.8;LowVol:-0.4,,6,30,4.7,trailing 9%,169,25.5,Sideways,21.8,3.93,2.5,93,20,75,54,false,Sell,Trim extended winner -1%,-7,-27,BrokerC,LMT,92,None,None,Normal monitoring,57,-38,132,3,false,Within IPS guidelines
P8517,Cautious,Trust,USD,2025-06-30,556348,49163,507185,1.0,44.0,37.8,3.2,14.9,VTI:20.7%;BRK.B:17.3%;QQQ:21.1%;VOO:8.2%;AAPL:12.3%;HYG:20.4%,US:65.5;EU:12.5;APAC:12.1;EM:9.3;Other:0.6,Value:+0.4;Growth:-0.5;Quality:-0.7;Size:+0.3;Momentum:0.0;LowVol:-0.8,ESGOnly;NoMargin,10,30,3.2,trailing 8%,115,13.5,Sideways,14.8,4.73,2.9,100,10,45,29,false,Sell,Trim extended winner -1%,26,-10,BrokerD,VWAP,89,None,None,Normal monitoring,-8,-43,93,4,false,Increase defensive factor exposure
P8518,Opportunistic,Trust,USD,2025-03-06,1775102,114341,1660761,1.0,76.4,13.9,3.4,6.2,XLF:21.4%;AAPL:21.4%;QQQ:21.4%;VNQ:14.3%;HYG:15.8%;TLT:5.7%,US:59.6;EU:17.6;APAC:10.9;EM:8.9;Other:2.9,Value:+0.8;Growth:+0.2;Quality:-0.8;Size:-0.0;Momentum:+0.8;LowVol:-0.3,NoDerivatives,10,25,4.2,trailing 9%,204,21.0,Volatile,28.7,3.56,4.0,112,5,59,92,true,Rebalance,Rebalance back to target bands,15,-18,BrokerA,VWAP,98,Drift>tolerance,Hedge,Allocation drift beyond policy bands,47,-52,93,3,false,Tax-aware sells next window
P8519,Opportunistic,Taxable,USD,2024-10-09,1592549,58939,1533610,1.0,74.9,16.7,0.0,8.4,QQQ:24.8%;TLT:26.6%;TSLA:26.6%;VOO:21.9%,US:73.2;EU:14.2;APAC:6.3;EM:4.2;Other:2.1,Value:+0.7;Growth:+0.8;Quality:+0.1;Size:+0.4;Momentum:+0.7;LowVol:-0.0,,6,25,5.4,hard 12%,189,33.1,Bull,16.7,3.75,3.0,79,28,72,54,false,Buy,Add to core equity +1%,28,-10,BrokerC,MKT,94,None,None,Normal monitoring,82,-49,95,4,false,Tax-aware sells next window
P8520,Cautious,Trust,USD,2025-03-20,438912,68708,370204,1.0,47.9,31.5,3.1,17.4,XLF:22.7%;QQQ:9.2%;VOO:21.1%;GLD:10.0%;VNQ:22.7%;MSFT:14.3%,US:67.8;EU:9.7;APAC:11.9;EM:8.7;Other:1.8,Value:-0.7;Growth:-0.4;Quality:-0.9;Size:+0.2;Momentum:+0.5;LowVol:-0.8,ESGOnly;MaxPos8%;NoMargin,5,35,5.4,hard 10%,156,15.5,Volatile,31.5,4.78,2.9,148,50,61,77,true,Hedge,Buy index puts 1% notional,34,-31,BrokerC,LMT,99,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,59,14,36,5,false,Monitor dispersion and breadth
P8521,Active,401k,USD,2025-02-14,2444929,272185,2172744,1.09,62.5,29.6,0.0,7.9,AAPL:22.6%;MSFT:9.6%;QQQ:22.7%;BRK.B:22.4%;IEF:22.7%,US:63.5;EU:14.9;APAC:10.5;EM:8.6;Other:2.4,Value:+0.7;Growth:+0.8;Quality:+0.8;Size:-0.1;Momentum:-0.4;LowVol:+0.2,MaxPos6%,6,30,4.2,hard 12%,152,16.2,Sideways,19.1,3.99,3.1,101,-9,58,51,false,Sell,Trim extended winner -1%,33,6,BrokerD,LMT,91,None,None,Normal monitoring,119,-50,105,3,false,Tighten stops on momentum names
P8522,Opportunistic,Roth,USD,2025-04-25,634035,49537,584498,1.0,65.9,18.4,10.9,4.7,TSLA:17.1%;AAPL:22.7%;AMZN:22.7%;QQQ:14.8%;VTI:22.7%,US:65.5;EU:11.3;APAC:10.2;EM:9.7;Other:3.4,Value:-0.5;Growth:+0.5;Quality:+0.2;Size:+0.4;Momentum:-0.7;LowVol:-0.9,,5,25,5.5,trailing 7%,264,33.4,Volatile,31.1,5.11,3.3,152,19,71,84,true,Reduce,"Cut high-beta by 2-3%, add cash",15,-7,BrokerB,LMT,90,VAR>budget,Reduce,Risk above budget threshold,34,-24,105,2,false,Tighten stops on momentum names
P8523,Cautious,Taxable,USD,2025-05-30,580358,86135,494223,1.0,44.6,34.4,5.2,15.8,TLT:33.3%;MSFT:33.3%;BND:33.3%,US:64.1;EU:5.3;APAC:14.4;EM:11.3;Other:4.8,Value:-1.0;Growth:-0.6;Quality:-0.4;Size:-1.0;Momentum:-0.8;LowVol:+0.2,MaxPos6%;NoMargin,7,35,4.5,trailing 8%,132,13.6,Sideways,16.4,3.93,3.1,116,35,62,39,false,Sell,Trim extended winner -1%,-4,-38,BrokerD,MKT,92,None,None,Normal monitoring,-43,11,-19,4,false,Within IPS guidelines
P8524,Systematic,Roth,USD,2025-09-23,410088,22278,387810,1.0,67.2,22.6,4.2,6.0,TLT:21.7%;TSLA:18.9%;QQQ:14.3%;MSFT:23.4%;VOO:21.6%,US:68.2;EU:14.8;APAC:8.5;EM:5.0;Other:3.5,Value:-0.4;Growth:+0.2;Quality:+0.2;Size:-0.6;Momentum:-0.9;LowVol:+0.4,,7,30,5.5,hard 12%,193,26.0,Bear,33.7,4.38,1.7,194,-29,30,96,true,Hedge,Buy index puts 1% notional,-9,8,BrokerB,MKT,96,Drift>tolerance,Hedge,Allocation drift beyond policy bands,81,-31,60,4,false,Within IPS guidelines
P8525,Opportunistic,IRA,USD,2025-10-13,943066,71893,871173,1.0,67.3,16.0,8.0,8.7,TSLA:22.8%;GLD:10.7%;XLF:22.8%;HYG:22.8%;VOO:21.1%,US:69.1;EU:8.1;APAC:8.4;EM:10.3;Other:4.0,Value:-0.9;Growth:-0.1;Quality:-0.5;Size:-0.3;Momentum:+0.9;LowVol:-0.7,,8,30,4.2,trailing 7%,175,27.5,Volatile,24.1,5.17,3.2,170,41,84,67,false,Hedge,Add TLT +1% as duration hedge,4,-7,BrokerD,LMT,88,None,None,Normal monitoring,-30,-1,101,4,false,Monitor dispersion and breadth
P8526,Active,Roth,USD,2024-10-20,2454816,190507,2264309,1.0,57.9,18.4,17.5,6.2,AAPL:25.9%;XLF:22.3%;MUB:25.9%;TSLA:25.9%,US:58.2;EU:18.7;APAC:10.5;EM:9.1;Other:3.6,Value:-0.9;Growth:-0.0;Quality:+0.9;Size:-1.0;Momentum:-0.3;LowVol:-0.6,,8,35,4.2,hard 12%,146,23.1,Volatile,24.5,4.99,3.2,161,33,60,58,false,Rebalance,Shift +1% to bonds from equity,21,-15,BrokerA,MKT,90,None,None,Normal monitoring,-9,6,61,4,false,Increase defensive factor exposure
P8527,Opportunistic,Roth,USD,2025-01-10,1238580,95690,1142890,1.17,64.8,13.3,13.5,8.3,VTI:35.1%;HYG:29.8%;AMZN:35.1%,US:64.8;EU:15.5;APAC:11.3;EM:5.1;Other:3.3,Value:+0.2;Growth:+0.9;Quality:+0.1;Size:+1.0;Momentum:+0.4;LowVol:-0.0,MaxPos5%,7,35,4.0,trailing 9%,202,31.1,Volatile,30.0,5.23,4.3,155,12,46,73,true,Hedge,Buy index puts 1% notional,12,15,BrokerC,LMT,97,RegimeShift,Hedge,Volatility spike and breadth deterioration,-41,19,83,2,false,Increase defensive factor exposure
P8528,Hands-off,Taxable,USD,2025-02-17,765647,59788,705859,1.0,70.9,22.7,0.0,6.4,TSLA:21.2%;BRK.B:16.0%;MUB:14.0%;HYG:15.4%;GLD:12.2%;VOO:21.2%,US:65.9;EU:15.5;APAC:12.7;EM:3.9;Other:2.0,Value:+0.4;Growth:+1.0;Quality:-0.4;Size:-0.5;Momentum:-0.9;LowVol:-1.0,MaxPos5%;NoDerivatives,10,35,3.9,trailing 8%,170,15.6,Bull,12.9,4.49,3.0,72,46,84,39,true,Reduce,"Cut high-beta by 2-3%, add cash",2,7,BrokerD,LMT,91,Drift>tolerance,Pause,Allocation drift beyond policy bands,106,3,88,5,false,Tighten stops on momentum names
P8529,Hands-off,Roth,USD,2024-09-07,875485,45731,829754,1.0,58.8,25.7,7.4,8.1,TLT:25.3%;XLF:25.3%;VNQ:25.3%;VTI:24.1%,US:66.1;EU:18.4;APAC:6.8;EM:4.8;Other:3.9,Value:+0.3;Growth:+0.9;Quality:-0.2;Size:-0.5;Momentum:-0.8;LowVol:-0.3,MaxPos5%;NoDerivatives,10,30,5.6,hard 10%,164,17.9,Bear,25.8,3.6,1.2,149,-19,31,63,false,Sell,Trim extended winner -1%,18,-10,BrokerC,LMT,100,None,None,Normal monitoring,70,-54,144,3,false,Increase defensive factor exposure
P8530,Active,401k,USD,2025-04-22,604070,56503,547567,1.0,63.6,30.2,0.0,6.2,AAPL:27.8%;VTI:21.7%;BND:27.8%;MUB:22.8%,US:73.6;EU:8.0;APAC:12.5;EM:5.6;Other:0.2,Value:-0.6;Growth:-1.0;Quality:-0.7;Size:+0.2;Momentum:-0.6;LowVol:0.0,NoDerivatives,5,35,4.3,trailing 8%,158,20.8,Bear,33.0,3.83,1.5,171,15,62,92,true,Hedge,Buy index puts 1% notional,8,-35,BrokerA,MKT,89,Drift>tolerance,Hedge,Allocation drift beyond policy bands,46,-44,169,4,false,Increase defensive factor exposure
P8531,Cautious,401k,USD,2025-05-11,669637,96800,572837,1.0,41.7,42.3,0.7,15.2,HYG:33.3%;BRK.B:33.3%;TSLA:33.3%,US:66.3;EU:6.9;APAC:14.3;EM:10.1;Other:2.4,Value:-0.7;Growth:-0.4;Quality:-1.0;Size:+0.7;Momentum:-0.4;LowVol:-0.1,ESGOnly;NoMargin,7,35,5.6,trailing 10%,104,19.9,Volatile,27.5,4.63,3.3,126,-23,53,58,true,Hedge,Buy index puts 1% notional,4,-26,BrokerB,LMT,88,VAR>budget,Pause,Risk above budget threshold,58,-54,49,4,false,Within IPS guidelines
P8532,Hands-off,IRA,USD,2025-05-12,760853,37966,722887,1.0,67.8,22.0,1.2,9.0,BND:24.4%;BRK.B:11.1%;TLT:24.4%;MUB:24.4%;TSLA:15.8%,US:72.1;EU:6.0;APAC:12.9;EM:5.3;Other:3.7,Value:-0.8;Growth:+0.5;Quality:+0.3;Size:-0.1;Momentum:-0.2;LowVol:-0.6,NoDerivatives,5,35,5.4,trailing 8%,140,14.0,Bear,28.5,3.63,2.0,148,-37,25,83,true,Rebalance,Rebalance back to target bands,-8,3,BrokerC,VWAP,86,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-1,-23,15,4,false,Monitor dispersion and breadth
P8533,Cautious,IRA,USD,2025-07-31,169055,25402,143653,1.0,41.0,39.7,2.0,17.3,BND:25.0%;XLF:25.0%;VOO:25.0%;GLD:25.0%,US:62.5;EU:15.7;APAC:11.8;EM:6.9;Other:3.1,Value:-0.8;Growth:-0.4;Quality:+0.7;Size:+0.8;Momentum:-0.6;LowVol:-0.2,ESGOnly;NoMargin,7,35,4.5,hard 10%,158,19.7,Bull,13.8,4.73,2.3,118,18,67,24,false,Hedge,Add TLT +1% as duration hedge,7,-15,BrokerA,MKT,95,None,None,Normal monitoring,93,-11,231,4,false,Tighten stops on momentum names
P8534,Hands-off,Roth,USD,2024-10-25,289896,28309,261587,1.0,63.9,27.7,1.5,6.9,AAPL:17.8%;TLT:21.3%;BND:20.1%;MUB:21.3%;QQQ:19.6%,US:72.9;EU:11.2;APAC:6.3;EM:6.1;Other:3.4,Value:-0.9;Growth:-0.5;Quality:+0.3;Size:+0.8;Momentum:-0.8;LowVol:-0.3,,5,25,6.0,trailing 8%,132,16.6,Bull,16.0,4.64,2.0,105,2,53,54,false,Rebalance,Shift +1% to bonds from equity,34,-35,BrokerA,LMT,91,None,None,Normal monitoring,99,6,131,3,false,Within IPS guidelines
P8535,Hands-off,Trust,USD,2024-11-15,429529,19013,410516,1.0,70.0,24.3,0.0,5.7,VTI:22.4%;IEF:15.6%;XLF:22.4%;AMZN:22.4%;MSFT:17.2%,US:65.3;EU:16.5;APAC:13.7;EM:3.8;Other:0.7,Value:+0.9;Growth:-0.4;Quality:+0.1;Size:+0.2;Momentum:-0.3;LowVol:+0.3,MaxPos8%,8,25,3.8,trailing 8%,168,16.8,Volatile,28.9,4.88,3.5,123,52,80,88,true,Hedge,Buy index puts 1% notional,5,-13,BrokerD,LMT,97,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-36,-32,66,2,false,Increase defensive factor exposure
P8536,Opportunistic,IRA,USD,2025-04-17,1598104,135995,1462109,1.0,67.5,17.5,10.8,4.2,TLT:25.3%;TSLA:24.0%;GLD:25.3%;BRK.B:25.3%,US:63.7;EU:11.9;APAC:13.6;EM:10.0;Other:0.7,Value:+0.8;Growth:+0.8;Quality:+0.1;Size:-0.4;Momentum:-0.4;LowVol:+0.8,MaxPos6%;NoDerivatives,10,25,6.0,hard 12%,238,22.1,Bull,17.1,4.06,2.8,91,16,43,58,true,Hedge,Buy index puts 1% notional,-8,-11,BrokerB,MKT,95,VAR>budget,TightenStops,Risk above budget threshold,0,13,11,4,false,Monitor dispersion and breadth
P8537,Systematic,Taxable,USD,2025-04-13,1864401,101173,1763228,1.0,58.0,20.9,13.3,7.8,TLT:24.5%;BND:11.9%;IEF:16.9%;MSFT:24.5%;TSLA:22.3%,US:72.0;EU:13.6;APAC:6.8;EM:5.7;Other:1.9,Value:+0.9;Growth:-1.0;Quality:-0.7;Size:-0.4;Momentum:+0.1;LowVol:-0.5,,10,25,4.8,trailing 8%,186,21.9,Bear,28.9,3.19,2.4,209,-35,28,77,true,Reduce,"Cut high-beta by 2-3%, add cash",-8,9,BrokerD,MKT,92,RegimeShift,TightenStops,Volatility spike and breadth deterioration,68,10,111,3,false,Monitor dispersion and breadth
P8538,Cautious,Trust,USD,2025-04-03,154756,13658,141098,1.0,50.9,39.1,0.0,10.0,HYG:26.6%;MSFT:20.3%;MUB:26.6%;VNQ:26.6%,US:68.2;EU:18.9;APAC:7.6;EM:3.6;Other:1.6,Value:-0.6;Growth:+0.9;Quality:+0.9;Size:-0.7;Momentum:-0.6;LowVol:-0.6,MaxPos5%;NoMargin,6,35,4.7,trailing 10%,104,15.0,Bull,12.0,4.58,2.2,107,9,41,26,false,Buy,Add to core equity +1%,16,-9,BrokerA,MKT,91,None,None,Normal monitoring,110,-40,202,5,false,Increase defensive factor exposure
P8539,Systematic,Roth,USD,2025-05-08,1941271,186888,1754383,1.0,58.8,30.3,5.1,5.9,QQQ:26.0%;HYG:26.0%;TSLA:22.1%;AMZN:26.0%,US:65.5;EU:15.4;APAC:12.0;EM:6.9;Other:0.1,Value:-0.4;Growth:+0.7;Quality:+1.0;Size:-0.9;Momentum:-0.2;LowVol:-0.0,,5,30,5.1,trailing 8%,196,24.4,Sideways,20.9,4.77,2.3,93,45,63,47,false,Buy,Add to core equity +1%,23,-11,BrokerA,MKT,85,None,None,Normal monitoring,-58,18,-33,5,false,Increase defensive factor exposure
P8540,Opportunistic,IRA,USD,2025-07-01,1702932,144683,1558249,1.0,64.9,15.6,11.6,7.9,VNQ:25.1%;IEF:25.1%;BND:24.8%;AAPL:25.1%,US:61.7;EU:13.5;APAC:8.3;EM:13.8;Other:2.7,Value:-0.7;Growth:-0.6;Quality:+0.8;Size:+0.9;Momentum:-0.0;LowVol:-0.4,MaxPos7%,6,35,6.4,hard 12%,210,22.2,Sideways,21.3,3.77,3.5,129,-15,50,52,true,Reduce,"Cut high-beta by 2-3%, add cash",-13,-30,BrokerB,MKT,100,Drift>tolerance,Hedge,Allocation drift beyond policy bands,97,9,85,5,false,Within IPS guidelines
P8541,Systematic,401k,USD,2025-06-25,1972405,97687,1874718,1.0,68.7,21.8,3.6,6.0,BND:27.6%;IEF:27.6%;AMZN:27.6%;VNQ:17.1%,US:63.3;EU:20.7;APAC:6.2;EM:8.5;Other:1.3,Value:-0.7;Growth:-0.6;Quality:+0.3;Size:0.0;Momentum:+0.4;LowVol:-0.2,,7,30,4.7,trailing 8%,200,23.2,Bull,16.7,4.42,2.5,72,25,72,47,false,Rebalance,Shift +1% to bonds from equity,-14,-19,BrokerC,LMT,99,None,None,Normal monitoring,114,-34,148,4,false,Increase defensive factor exposure
P8542,Opportunistic,IRA,USD,2025-10-31,905056,28281,876775,1.18,61.1,19.2,12.7,7.0,VOO:25.0%;IEF:25.0%;TSLA:25.0%;QQQ:25.0%,US:72.3;EU:15.8;APAC:5.9;EM:4.3;Other:1.7,Value:+0.5;Growth:-0.4;Quality:+0.7;Size:+0.8;Momentum:-0.5;LowVol:+0.8,,6,35,5.4,hard 12%,234,22.9,Volatile,31.8,4.53,3.9,146,14,69,77,true,Hedge,Buy index puts 1% notional,-14,-7,BrokerA,LMT,89,RegimeShift,TightenStops,Volatility spike and breadth deterioration,-42,-16,-19,4,false,Tighten stops on momentum names
P8543,Hands-off,401k,USD,2025-06-30,875048,37906,837142,1.0,58.3,19.5,15.7,6.5,GLD:16.1%;AAPL:22.1%;VOO:18.8%;IEF:20.9%;BRK.B:22.1%,US:64.2;EU:13.6;APAC:9.8;EM:8.6;Other:3.8,Value:+0.5;Growth:+0.2;Quality:-0.2;Size:+0.1;Momentum:-0.2;LowVol:+0.2,MaxPos8%;NoDerivatives,6,25,5.8,hard 10%,167,14.4,Bull,16.1,4.65,2.2,95,70,98,52,false,NoAction,Within bands; monitor,-11,1,BrokerD,MKT,0,None,None,Normal monitoring,117,-1,173,5,false,Monitor dispersion and breadth
P8544,Active,IRA,USD,2024-09-08,1887770,185451,1702319,1.0,54.5,25.8,14.5,5.2,VNQ:12.6%;QQQ:12.4%;IEF:18.9%;BND:19.3%;MUB:20.4%;XLF:16.5%,US:67.9;EU:15.0;APAC:11.2;EM:3.6;Other:2.3,Value:-0.0;Growth:-0.8;Quality:+0.7;Size:+0.8;Momentum:-1.0;LowVol:-0.7,,7,25,4.6,trailing 8%,177,18.1,Volatile,28.3,3.94,4.2,120,56,64,73,true,Hedge,Buy index puts 1% notional,27,7,BrokerC,MKT,93,Drift>tolerance,Reduce,Allocation drift beyond policy bands,22,18,161,4,true,Within IPS guidelines
P8545,Cautious,401k,USD,2024-10-26,643314,67913,575401,1.0,37.8,42.8,8.4,11.0,MSFT:19.8%;TLT:15.6%;QQQ:21.5%;TSLA:21.5%;BND:21.5%,US:66.2;EU:9.6;APAC:8.7;EM:12.0;Other:3.5,Value:+0.3;Growth:-0.3;Quality:-0.6;Size:-0.8;Momentum:+0.7;LowVol:-0.5,ESGOnly;MaxPos7%;NoDerivatives;NoMargin,10,30,5.4,hard 10%,123,15.7,Sideways,17.6,4.16,2.7,112,25,51,37,false,Rebalance,Shift +1% to bonds from equity,5,-24,BrokerD,MKT,94,None,None,Normal monitoring,81,18,173,4,false,Tax-aware sells next window
P8546,Active,Trust,USD,2025-08-11,2235332,210433,2024899,1.12,61.4,28.8,4.5,5.3,GLD:26.5%;HYG:20.4%;AMZN:26.5%;XLF:26.5%,US:69.4;EU:9.6;APAC:15.1;EM:5.8;Other:0.2,Value:+0.7;Growth:+0.3;Quality:+0.1;Size:-0.5;Momentum:+0.6;LowVol:+0.9,MaxPos6%,7,30,4.2,hard 12%,169,18.3,Sideways,17.0,4.94,2.9,96,17,49,57,false,Rebalance,Shift +1% to bonds from equity,14,-25,BrokerB,MKT,86,None,None,Normal monitoring,49,-30,134,4,false,Increase defensive factor exposure
P8547,Cautious,Roth,USD,2025-05-05,721768,91218,630550,1.0,35.3,43.3,5.9,15.5,XLF:24.0%;VOO:15.4%;QQQ:14.0%;AMZN:22.7%;VTI:24.0%,US:69.1;EU:17.0;APAC:6.3;EM:4.1;Other:3.5,Value:+0.9;Growth:-0.3;Quality:-0.5;Size:-0.9;Momentum:-0.3;LowVol:-0.7,ESGOnly;MaxPos6%;NoMargin,10,25,5.1,trailing 10%,101,12.1,Sideways,21.4,4.31,2.6,106,31,69,46,false,Rebalance,Shift +1% to bonds from equity,-14,10,BrokerB,MKT,88,None,None,Normal monitoring,-16,-42,-15,4,false,Within IPS guidelines
P8548,Hands-off,401k,USD,2025-06-20,293237,24909,268328,1.0,60.5,16.5,13.8,9.3,VTI:11.3%;VOO:17.8%;XLF:21.0%;BRK.B:12.0%;TSLA:21.0%;TLT:16.8%,US:72.9;EU:10.8;APAC:6.0;EM:8.5;Other:1.7,Value:-0.6;Growth:-0.0;Quality:+0.7;Size:-0.1;Momentum:+0.4;LowVol:+0.9,ESGOnly,7,35,5.2,hard 10%,116,17.9,Bull,14.2,4.6,2.9,111,28,57,42,false,Rebalance,Shift +1% to bonds from equity,15,-16,BrokerA,MKT,90,None,None,Normal monitoring,112,-46,90,5,false,Increase defensive factor exposure
P8549,Opportunistic,IRA,USD,2025-10-20,1750633,69876,1680757,1.0,64.1,19.9,8.9,7.2,MSFT:25.6%;VOO:25.6%;AAPL:25.6%;HYG:23.3%,US:66.9;EU:12.2;APAC:10.1;EM:7.7;Other:3.1,Value:+0.2;Growth:-0.1;Quality:+0.2;Size:-0.5;Momentum:+0.1;LowVol:-0.5,,10,35,4.4,hard 12%,221,22.0,Volatile,26.7,5.04,4.5,123,19,59,77,true,Reduce,"Cut high-beta by 2-3%, add cash",14,-16,BrokerC,LMT,94,RegimeShift,TightenStops,Volatility spike and breadth deterioration,-27,-25,14,5,false,Tighten stops on momentum names
P8550,Hands-off,401k,USD,2025-01-17,162813,13061,149752,1.0,56.2,19.7,16.7,7.4,TSLA:33.3%;TLT:33.3%;BND:33.3%,US:62.2;EU:12.9;APAC:9.0;EM:12.5;Other:3.4,Value:+0.3;Growth:-0.5;Quality:-0.5;Size:-0.0;Momentum:+0.2;LowVol:-0.3,MaxPos6%,8,35,3.7,trailing 10%,136,17.9,Bear,24.8,3.27,1.7,153,-57,22,69,false,Sell,Trim extended winner -1%,-8,-5,BrokerD,MKT,85,None,None,Normal monitoring,-22,-18,48,5,false,Within IPS guidelines
P8551,Systematic,Taxable,USD,2025-06-26,1167650,76351,1091299,1.0,60.9,21.6,11.5,6.0,GLD:21.6%;QQQ:21.6%;TSLA:21.6%;IEF:20.0%;MSFT:15.1%,US:62.9;EU:20.6;APAC:7.1;EM:4.7;Other:4.8,Value:-0.1;Growth:-0.5;Quality:+0.9;Size:+0.4;Momentum:+0.5;LowVol:+0.6,,7,25,4.2,trailing 8%,122,19.1,Bull,13.3,4.85,2.2,107,56,72,49,false,Sell,Trim extended winner -1%,1,-20,BrokerD,MKT,90,None,None,Normal monitoring,-41,-22,20,5,false,Tighten stops on momentum names
P8552,Cautious,Taxable,USD,2025-11-10,550894,84929,465965,1.0,48.9,33.2,0.5,17.4,TSLA:14.8%;BRK.B:26.0%;XLF:18.6%;HYG:26.0%;AMZN:14.5%,US:56.2;EU:17.4;APAC:11.3;EM:12.0;Other:3.1,Value:+0.8;Growth:+0.4;Quality:+0.6;Size:+0.6;Momentum:-0.8;LowVol:-0.6,ESGOnly;MaxPos7%;NoDerivatives;NoMargin,8,30,3.3,hard 10%,140,14.4,Sideways,18.6,4.14,3.2,132,-28,50,49,false,Buy,Add to core equity +1%,8,-33,BrokerC,VWAP,94,None,None,Normal monitoring,49,0,180,4,false,Tax-aware sells next window
P8553,Hands-off,Taxable,USD,2025-01-13,715696,52740,662956,1.0,55.1,24.7,11.7,8.6,AAPL:33.3%;XLF:33.3%;VOO:33.3%,US:61.7;EU:15.1;APAC:11.2;EM:9.5;Other:2.5,Value:-0.8;Growth:+0.4;Quality:-0.8;Size:-0.8;Momentum:-0.3;LowVol:+0.3,ESGOnly;NoDerivatives,7,35,4.7,trailing 8%,144,16.3,Volatile,24.6,4.27,3.2,157,15,59,62,false,Sell,Trim extended winner -1%,4,-19,BrokerB,MKT,97,None,None,Normal monitoring,32,-53,89,4,false,Within IPS guidelines
P8554,Active,401k,USD,2024-09-11,1620171,110422,1509749,1.2,56.2,28.0,7.1,8.8,BND:33.3%;HYG:33.3%;VTI:33.3%,US:78.4;EU:5.6;APAC:5.7;EM:10.1;Other:0.2,Value:+0.6;Growth:+0.7;Quality:+0.5;Size:-0.8;Momentum:+0.7;LowVol:+0.1,MaxPos7%,10,30,5.5,hard 12%,176,18.5,Volatile,30.9,3.56,4.1,133,0,52,76,true,Rebalance,Rebalance back to target bands,22,12,BrokerB,VWAP,99,VAR>budget,Hedge,Risk above budget threshold,32,-51,98,4,true,Within IPS guidelines
P8555,Systematic,Roth,USD,2025-03-11,982276,86391,895885,1.0,58.2,26.6,10.0,5.2,AMZN:25.0%;VTI:25.0%;AAPL:25.0%;IEF:25.0%,US:63.2;EU:15.8;APAC:13.9;EM:6.6;Other:0.5,Value:-0.4;Growth:+0.5;Quality:-0.4;Size:+0.5;Momentum:-0.5;LowVol:+0.9,,7,30,4.2,hard 12%,142,23.2,Bull,11.8,3.97,3.2,109,88,100,40,false,NoAction,Within bands; monitor,28,-8,BrokerA,MKT,0,None,None,Normal monitoring,0,-26,56,4,false,Tax-aware sells next window
P8556,Hands-off,401k,USD,2025-12-03,159020,9285,149735,1.0,56.7,28.6,6.4,8.2,BRK.B:9.9%;TSLA:19.1%;HYG:19.0%;BND:17.2%;IEF:16.6%;VNQ:18.2%,US:71.8;EU:14.5;APAC:5.6;EM:6.6;Other:1.5,Value:-0.5;Growth:+0.4;Quality:-0.4;Size:+0.2;Momentum:-0.0;LowVol:+0.2,NoDerivatives,7,25,5.1,trailing 10%,138,20.0,Sideways,18.5,3.67,2.6,91,19,46,46,false,Rebalance,Shift +1% to bonds from equity,-2,15,BrokerD,MKT,87,None,None,Normal monitoring,-47,-50,-43,4,false,Tax-aware sells next window
P8557,Systematic,401k,USD,2025-06-16,1461916,128363,1333553,1.0,56.0,25.4,9.9,8.7,IEF:19.8%;BRK.B:8.0%;XLF:21.4%;QQQ:8.5%;VTI:21.1%;TLT:21.2%,US:67.1;EU:9.6;APAC:11.0;EM:12.3;Other:0.0,Value:+0.1;Growth:-0.5;Quality:-0.1;Size:-0.2;Momentum:-0.9;LowVol:+0.4,NoDerivatives,10,25,4.7,trailing 8%,151,25.1,Bull,17.0,3.93,3.0,71,112,100,54,false,Hedge,Add TLT +1% as duration hedge,30,15,BrokerD,MKT,86,None,None,Normal monitoring,44,-53,76,3,false,Monitor dispersion and breadth
P8558,Opportunistic,401k,USD,2024-09-18,1491200,72358,1418842,1.17,74.2,19.4,0.0,6.4,TSLA:13.8%;BND:20.5%;VOO:19.3%;VTI:17.8%;IEF:15.0%;GLD:13.7%,US:62.3;EU:16.6;APAC:14.2;EM:6.4;Other:0.6,Value:-0.9;Growth:-1.0;Quality:+1.0;Size:+1.0;Momentum:-0.3;LowVol:-0.7,,10,35,4.3,hard 12%,164,30.3,Bull,17.2,4.65,3.1,78,25,49,60,false,Rebalance,Shift +1% to bonds from equity,-6,13,BrokerD,LMT,86,None,None,Normal monitoring,26,-8,96,5,false,Tighten stops on momentum names
P8559,Systematic,Taxable,USD,2025-10-18,768342,69858,698484,1.0,66.7,25.2,0.0,8.1,HYG:33.3%;TSLA:33.3%;IEF:33.3%,US:62.5;EU:13.8;APAC:13.2;EM:10.4;Other:0.1,Value:+0.5;Growth:-0.6;Quality:+0.5;Size:+0.1;Momentum:-1.0;LowVol:+0.6,MaxPos7%,7,25,5.2,trailing 8%,207,18.6,Bear,33.2,3.73,1.8,173,-98,5,80,true,Rebalance,Rebalance back to target bands,1,-6,BrokerC,MKT,92,RegimeShift,Reduce,Volatility spike and breadth deterioration,-22,20,5,3,false,Tighten stops on momentum names
P8560,Cautious,IRA,USD,2024-08-19,303102,45625,257477,1.0,37.9,30.5,21.0,10.6,MUB:33.3%;IEF:33.3%;TLT:33.3%,US:60.4;EU:16.9;APAC:8.9;EM:9.3;Other:4.4,Value:-0.6;Growth:-0.6;Quality:-0.4;Size:+0.6;Momentum:+0.3;LowVol:+0.8,NoMargin,6,35,3.1,trailing 8%,152,19.0,Sideways,17.7,3.89,2.1,93,31,60,38,false,Hedge,Add TLT +1% as duration hedge,-6,-10,BrokerA,VWAP,93,None,None,Normal monitoring,-8,20,130,4,false,Tax-aware sells next window
P8561,Active,Taxable,USD,2025-06-18,1856248,162152,1694096,1.0,50.3,21.9,22.0,5.8,IEF:16.7%;TLT:15.7%;XLF:22.5%;AAPL:22.5%;VNQ:22.5%,US:56.1;EU:17.7;APAC:11.4;EM:10.4;Other:4.3,Value:+0.4;Growth:+0.1;Quality:-0.3;Size:+0.5;Momentum:-0.7;LowVol:+0.2,NoDerivatives,5,25,4.7,hard 12%,143,27.5,Sideways,18.0,4.04,2.6,105,45,73,53,false,Sell,Trim extended winner -1%,-15,-16,BrokerC,LMT,86,None,None,Normal monitoring,-41,8,93,4,false,Monitor dispersion and breadth
P8562,Active,Roth,USD,2025-11-04,1718562,129342,1589220,1.0,65.2,20.8,5.9,8.1,TSLA:27.7%;XLF:17.2%;VOO:27.5%;MSFT:27.7%,US:68.8;EU:10.6;APAC:9.8;EM:9.6;Other:1.3,Value:-0.6;Growth:+0.4;Quality:+0.5;Size:+0.2;Momentum:-0.4;LowVol:+0.3,,10,25,4.5,hard 12%,169,21.6,Sideways,19.3,4.77,2.5,118,-19,43,66,false,Rebalance,Shift +1% to bonds from equity,-3,-2,BrokerC,LMT,95,None,None,Normal monitoring,14,10,106,4,false,Monitor dispersion and breadth
P8563,Active,Trust,USD,2025-06-17,722364,74561,647803,1.0,61.3,31.4,0.0,7.3,GLD:33.3%;XLF:33.3%;BND:33.3%,US:68.5;EU:13.2;APAC:7.1;EM:7.6;Other:3.6,Value:+0.9;Growth:-0.8;Quality:-0.1;Size:-0.5;Momentum:-0.1;LowVol:+0.2,,7,35,5.1,trailing 8%,167,22.2,Bull,16.1,4.24,3.3,76,95,90,51,false,Rebalance,Shift +1% to bonds from equity,-3,-25,BrokerA,LMT,93,None,None,Normal monitoring,-34,11,58,3,false,Monitor dispersion and breadth
P8564,Systematic,401k,USD,2025-09-22,1876810,84230,1792580,1.0,61.2,30.2,0.7,7.8,AAPL:23.7%;VOO:23.7%;BND:23.7%;GLD:17.5%;VTI:11.3%,US:65.1;EU:7.1;APAC:13.5;EM:10.5;Other:3.8,Value:-0.5;Growth:-0.4;Quality:-0.6;Size:+0.7;Momentum:+0.8;LowVol:+0.6,MaxPos6%,5,25,4.2,trailing 9%,170,21.9,Bull,15.0,3.57,3.2,88,114,100,49,false,Sell,Trim extended winner -1%,0,-36,BrokerC,VWAP,86,None,None,Normal monitoring,-51,-2,-88,5,false,Increase defensive factor exposure
P8565,Cautious,IRA,USD,2024-08-26,218836,32288,186548,1.0,36.2,44.5,6.0,13.4,GLD:14.4%;TSLA:23.7%;MSFT:23.7%;MUB:14.6%;XLF:23.7%,US:62.9;EU:14.2;APAC:11.5;EM:7.1;Other:4.3,Value:-0.3;Growth:-0.6;Quality:+0.2;Size:+0.9;Momentum:-0.2;LowVol:-0.5,ESGOnly;MaxPos5%;NoDerivatives;NoMargin,8,35,3.2,trailing 8%,156,14.3,Bull,16.0,4.43,2.7,111,100,100,29,false,Hedge,Add TLT +1% as duration hedge,14,-19,BrokerB,MKT,97,None,None,Normal monitoring,80,-2,176,5,false,Tax-aware sells next window
P8566,Hands-off,Taxable,USD,2025-05-07,579628,50187,529441,1.0,60.8,17.2,12.2,9.7,VOO:17.9%;QQQ:13.3%;VTI:23.3%;MSFT:22.2%;IEF:23.3%,US:62.9;EU:17.0;APAC:13.2;EM:5.1;Other:1.9,Value:-0.3;Growth:-0.8;Quality:+0.5;Size:+0.5;Momentum:-0.6;LowVol:+0.6,ESGOnly;MaxPos8%,10,30,4.5,hard 10%,95,19.4,Bull,13.9,3.86,2.4,72,61,84,52,true,Hedge,Buy index puts 1% notional,29,-26,BrokerA,LMT,91,VAR>budget,Reduce,Risk above budget threshold,106,-60,164,5,false,Increase defensive factor exposure
P8567,Active,Taxable,USD,2025-06-15,584324,68578,515746,1.0,54.3,30.3,10.4,5.0,XLF:33.6%;MUB:33.6%;QQQ:32.8%,US:68.9;EU:8.0;APAC:14.5;EM:7.5;Other:1.2,Value:-0.3;Growth:-0.2;Quality:-0.4;Size:+0.2;Momentum:+0.3;LowVol:-0.3,MaxPos8%,8,25,4.0,trailing 9%,220,24.1,Sideways,15.9,4.97,2.6,130,2,63,53,true,Hedge,Buy index puts 1% notional,17,-3,BrokerB,VWAP,86,VAR>budget,Hedge,Risk above budget threshold,34,-14,-4,3,false,Tax-aware sells next window
P8568,Opportunistic,Trust,USD,2025-09-24,1554345,77089,1477256,1.17,71.7,15.1,6.3,7.0,QQQ:21.1%;BRK.B:17.5%;TSLA:21.5%;MSFT:20.8%;AMZN:19.1%,US:68.8;EU:7.1;APAC:12.1;EM:8.9;Other:3.0,Value:-0.5;Growth:+0.4;Quality:-0.9;Size:+0.6;Momentum:-0.5;LowVol:-0.3,,10,30,4.5,trailing 7%,184,20.9,Sideways,19.5,3.59,2.6,135,55,63,56,false,Hedge,Add TLT +1% as duration hedge,7,7,BrokerB,LMT,85,None,None,Normal monitoring,23,10,91,5,false,Tax-aware sells next window
P8569,Cautious,IRA,USD,2025-06-23,585129,76571,508558,1.0,44.8,41.3,0.0,14.0,AMZN:13.3%;BRK.B:9.9%;QQQ:21.6%;HYG:21.6%;TLT:17.2%;XLF:16.3%,US:71.8;EU:8.1;APAC:11.1;EM:8.9;Other:0.2,Value:-0.5;Growth:-0.3;Quality:-0.5;Size:-0.6;Momentum:-0.6;LowVol:+0.7,NoMargin,7,30,5.9,trailing 8%,131,12.2,Bull,15.1,4.77,2.2,81,105,100,43,false,Buy,Add to core equity +1%,-9,-28,BrokerB,MKT,99,None,None,Normal monitoring,80,-19,132,3,false,Tax-aware sells next window
P8570,Hands-off,Roth,USD,2025-04-18,498828,45546,453282,1.0,62.6,17.4,12.8,7.2,GLD:11.2%;IEF:21.2%;HYG:21.2%;BRK.B:6.6%;TLT:20.2%;VOO:19.6%,US:69.9;EU:14.1;APAC:7.8;EM:7.6;Other:0.6,Value:-0.4;Growth:+0.1;Quality:+0.3;Size:+0.1;Momentum:-0.6;LowVol:+0.3,ESGOnly;MaxPos8%;NoDerivatives,6,30,4.9,trailing 10%,98,19.6,Volatile,26.8,4.39,4.2,174,27,66,65,false,Sell,Trim extended winner -1%,17,-5,BrokerA,MKT,100,None,None,Normal monitoring,54,1,37,4,false,Tighten stops on momentum names
P8571,Systematic,IRA,USD,2025-06-07,1644642,108160,1536482,1.0,69.3,20.9,0.2,9.6,AAPL:11.0%;BRK.B:11.4%;TLT:16.7%;XLF:20.9%;VTI:20.9%;GLD:19.1%,US:62.8;EU:19.3;APAC:8.1;EM:6.8;Other:3.0,Value:-0.7;Growth:-0.3;Quality:+0.5;Size:-0.3;Momentum:+0.7;LowVol:-0.0,MaxPos5%,8,30,4.4,trailing 9%,125,17.3,Bear,28.7,3.5,2.9,202,-62,5,85,true,Rebalance,Rebalance back to target bands,11,-25,BrokerB,MKT,87,VAR>budget,Hedge,Risk above budget threshold,60,-7,182,3,false,Increase defensive factor exposure
P8572,Systematic,Trust,USD,2024-09-23,964134,79163,884971,1.0,56.6,25.5,9.1,8.8,GLD:21.1%;MUB:22.2%;QQQ:16.7%;HYG:17.7%;AMZN:22.2%,US:63.2;EU:16.9;APAC:9.5;EM:7.4;Other:3.1,Value:+0.9;Growth:-0.7;Quality:-0.6;Size:+0.6;Momentum:-0.5;LowVol:-0.8,,6,30,4.9,trailing 9%,192,21.3,Bear,34.9,3.26,2.2,173,-50,39,80,true,Hedge,Buy index puts 1% notional,21,-10,BrokerD,MKT,95,Drift>tolerance,Reduce,Allocation drift beyond policy bands,60,-12,107,5,false,Within IPS guidelines
P8573,Opportunistic,Taxable,USD,2024-08-07,485474,25171,460303,1.0,60.1,19.2,13.1,7.5,MUB:22.5%;QQQ:25.8%;GLD:25.8%;MSFT:25.8%,US:61.5;EU:10.0;APAC:16.8;EM:9.8;Other:1.9,Value:+0.1;Growth:+0.6;Quality:+0.1;Size:-0.0;Momentum:+0.6;LowVol:-0.8,,8,30,6.9,trailing 9%,181,30.1,Volatile,21.8,4.16,2.8,174,32,53,66,true,Reduce,"Cut high-beta by 2-3%, add cash",16,-15,BrokerD,MKT,90,Drift>tolerance,Reduce,Allocation drift beyond policy bands,93,-56,232,3,false,Tighten stops on momentum names
P8574,Active,401k,USD,2024-10-11,1821631,120696,1700935,1.0,50.3,29.6,11.1,9.0,XLF:33.5%;VOO:33.5%;MSFT:33.1%,US:65.0;EU:14.7;APAC:8.5;EM:8.3;Other:3.5,Value:+1.0;Growth:-0.1;Quality:+0.2;Size:0.0;Momentum:+0.1;LowVol:-0.1,MaxPos5%;NoDerivatives,7,30,4.8,trailing 9%,203,18.2,Volatile,21.8,5.36,3.7,115,-46,24,62,false,NoAction,Within bands; monitor,18,3,BrokerB,LMT,99,None,None,Normal monitoring,89,-54,159,3,false,Tighten stops on momentum names
P8575,Systematic,Taxable,USD,2024-08-15,1875677,95097,1780580,1.0,55.0,32.1,5.0,7.9,MUB:18.2%;XLF:27.3%;HYG:27.3%;BND:27.3%,US:70.6;EU:8.6;APAC:8.7;EM:10.0;Other:2.1,Value:-0.3;Growth:+0.8;Quality:-0.6;Size:-0.6;Momentum:+0.5;LowVol:-0.8,NoDerivatives,7,35,4.7,trailing 8%,178,18.6,Volatile,29.5,5.17,4.2,142,51,61,77,true,Reduce,"Cut high-beta by 2-3%, add cash",2,-26,BrokerB,MKT,94,Drift>tolerance,Pause,Allocation drift beyond policy bands,43,-1,148,3,false,Tighten stops on momentum names
P8576,Cautious,Roth,USD,2024-08-25,855623,126902,728721,1.0,46.2,39.8,0.0,14.0,TSLA:9.8%;VNQ:14.4%;AMZN:18.8%;BND:21.2%;BRK.B:21.2%;MSFT:14.6%,US:68.6;EU:15.5;APAC:6.7;EM:7.6;Other:1.6,Value:-0.6;Growth:+0.3;Quality:-0.9;Size:-0.3;Momentum:+0.3;LowVol:+0.7,ESGOnly;NoMargin,7,30,5.8,trailing 8%,156,15.0,Volatile,24.9,5.4,4.4,127,-33,21,66,false,Rebalance,Shift +1% to bonds from equity,24,8,BrokerA,LMT,98,None,None,Normal monitoring,-56,-15,-65,3,false,Increase defensive factor exposure
P8577,Opportunistic,Trust,USD,2024-11-02,323764,10837,312927,1.0,60.5,12.3,20.9,6.3,QQQ:33.3%;MUB:33.3%;VTI:33.3%,US:59.7;EU:11.8;APAC:14.2;EM:10.8;Other:3.5,Value:+0.1;Growth:+0.2;Quality:-0.6;Size:+0.1;Momentum:+0.9;LowVol:-0.9,,6,30,5.0,trailing 7%,230,25.4,Bull,17.8,4.89,3.3,98,65,77,58,false,Hedge,Add TLT +1% as duration hedge,-13,4,BrokerC,VWAP,96,None,None,Normal monitoring,-11,-33,78,3,false,Within IPS guidelines
P8578,Hands-off,Taxable,USD,2024-09-07,345700,14731,330969,1.0,65.2,26.7,0.0,8.1,GLD:25.0%;VTI:25.0%;AMZN:25.0%;BRK.B:25.0%,US:68.2;EU:16.8;APAC:8.9;EM:6.0;Other:0.1,Value:+0.2;Growth:+0.2;Quality:-0.4;Size:0.0;Momentum:+0.1;LowVol:+0.2,ESGOnly,7,25,5.3,hard 10%,161,13.6,Sideways,20.8,4.59,2.6,125,-23,45,64,false,Buy,Add to core equity +1%,0,6,BrokerC,VWAP,97,None,None,Normal monitoring,-45,-54,11,3,false,Within IPS guidelines
P8579,Opportunistic,Trust,USD,2025-10-07,487863,38847,449016,1.15,72.8,18.6,0.0,8.6,BND:19.5%;GLD:22.5%;VOO:23.7%;VNQ:23.7%;MSFT:10.7%,US:66.9;EU:17.2;APAC:5.7;EM:9.8;Other:0.3,Value:+0.4;Growth:-0.9;Quality:+0.8;Size:+0.2;Momentum:+0.7;LowVol:-0.9,,5,30,4.6,trailing 9%,216,20.8,Bull,14.4,4.63,2.9,73,22,63,44,false,Buy,Add to core equity +1%,2,-6,BrokerB,LMT,89,None,None,Normal monitoring,97,-15,118,5,false,Increase defensive factor exposure
P8580,Cautious,Taxable,USD,2024-08-17,525287,53828,471459,1.0,50.3,38.8,0.0,10.8,BND:34.1%;VNQ:31.8%;GLD:34.1%,US:57.5;EU:17.4;APAC:11.5;EM:9.4;Other:4.2,Value:+0.2;Growth:+0.3;Quality:-0.6;Size:-0.7;Momentum:+0.9;LowVol:+0.5,ESGOnly;MaxPos5%;NoMargin,7,35,4.2,trailing 8%,116,13.6,Sideways,17.4,4.23,3.2,107,26,77,52,false,Rebalance,Shift +1% to bonds from equity,33,-37,BrokerA,LMT,96,None,None,Normal monitoring,93,-53,187,3,false,Within IPS guidelines
P8581,Cautious,Taxable,USD,2024-07-13,552441,83859,468582,1.0,44.7,33.6,6.5,15.3,GLD:11.1%;HYG:23.0%;QQQ:23.0%;MUB:23.0%;AMZN:19.9%,US:73.0;EU:14.4;APAC:6.7;EM:5.8;Other:0.0,Value:+0.2;Growth:+0.7;Quality:-0.2;Size:-0.5;Momentum:-0.5;LowVol:+0.4,ESGOnly;NoMargin,6,30,3.4,trailing 8%,119,16.1,Bull,17.0,3.8,2.5,74,95,100,35,false,NoAction,Within bands; monitor,30,-7,BrokerD,LMT,92,None,None,Normal monitoring,24,12,78,5,false,Tax-aware sells next window
P8582,Opportunistic,401k,USD,2024-09-01,783463,43197,740266,1.22,63.1,21.0,7.2,8.8,QQQ:23.6%;AAPL:23.6%;MUB:23.6%;XLF:12.8%;HYG:16.3%,US:68.5;EU:12.0;APAC:7.7;EM:8.2;Other:3.7,Value:-0.4;Growth:-1.0;Quality:+0.8;Size:-0.9;Momentum:-0.8;LowVol:+0.7,NoDerivatives,7,30,6.7,trailing 7%,233,31.8,Volatile,21.2,4.81,4.2,176,-36,28,64,false,Rebalance,Shift +1% to bonds from equity,-8,-24,BrokerB,LMT,85,None,None,Normal monitoring,-8,-59,89,3,false,Monitor dispersion and breadth
P8583,Systematic,Roth,USD,2024-10-03,1763183,170229,1592954,1.0,61.1,29.2,0.0,9.6,IEF:30.6%;AAPL:23.2%;BND:15.6%;TLT:30.6%,US:70.5;EU:13.9;APAC:10.3;EM:5.2;Other:0.1,Value:-1.0;Growth:+0.1;Quality:+0.2;Size:+0.3;Momentum:+0.2;LowVol:-0.2,,6,30,4.2,trailing 8%,198,16.5,Bear,24.2,4.15,2.2,199,-69,21,64,true,Hedge,Buy index puts 1% notional,-14,15,BrokerA,MKT,100,Drift>tolerance,Reduce,Allocation drift beyond policy bands,49,-57,92,3,false,Monitor dispersion and breadth
P8584,Cautious,Roth,USD,2024-09-28,881106,86874,794232,1.0,53.2,36.0,0.0,10.8,QQQ:13.2%;TLT:22.5%;AMZN:12.4%;TSLA:12.8%;AAPL:22.5%;XLF:16.7%,US:72.0;EU:11.4;APAC:5.9;EM:8.6;Other:2.1,Value:-0.9;Growth:-0.9;Quality:+0.2;Size:-0.0;Momentum:-0.0;LowVol:-0.2,MaxPos6%;NoDerivatives;NoMargin,10,35,4.1,hard 10%,152,17.4,Sideways,15.4,4.37,2.6,120,38,75,33,false,Buy,Add to core equity +1%,8,12,BrokerD,LMT,85,None,None,Normal monitoring,-19,-13,-20,5,false,Monitor dispersion and breadth
P8585,Cautious,Taxable,USD,2025-09-06,819165,130317,688848,1.0,43.1,39.6,0.0,17.2,QQQ:21.5%;MSFT:21.5%;HYG:21.5%;VNQ:21.1%;IEF:14.4%,US:72.6;EU:15.5;APAC:6.3;EM:5.6;Other:0.0,Value:+0.5;Growth:-0.6;Quality:-0.7;Size:+0.9;Momentum:-0.1;LowVol:-0.7,ESGOnly;MaxPos5%;NoMargin,10,35,4.9,hard 10%,131,19.4,Volatile,24.9,4.74,2.4,180,36,77,50,false,Sell,Trim extended winner -1%,29,-25,BrokerD,LMT,93,None,None,Normal monitoring,-41,-40,-17,3,false,Increase defensive factor exposure
P8586,Hands-off,Trust,USD,2025-05-03,524384,23980,500404,1.0,58.6,21.8,11.0,8.6,VOO:21.8%;VNQ:12.7%;GLD:22.9%;MUB:19.8%;TLT:22.9%,US:62.3;EU:17.9;APAC:6.1;EM:9.4;Other:4.3,Value:-0.1;Growth:+0.5;Quality:-0.4;Size:-0.9;Momentum:-0.9;LowVol:-0.3,NoDerivatives,5,30,5.6,trailing 10%,134,15.1,Volatile,22.2,4.96,4.2,158,33,65,68,false,Rebalance,Shift +1% to bonds from equity,8,-35,BrokerA,LMT,100,None,None,Normal monitoring,-26,-28,53,5,false,Increase defensive factor exposure
P8587,Hands-off,IRA,USD,2025-07-11,721937,63159,658778,1.0,63.2,21.4,8.9,6.5,AAPL:19.1%;MSFT:22.4%;XLF:17.7%;VOO:9.8%;TLT:22.4%;MUB:8.5%,US:58.8;EU:19.4;APAC:7.8;EM:9.0;Other:5.0,Value:-0.2;Growth:-1.0;Quality:+0.5;Size:+0.9;Momentum:-0.3;LowVol:-0.1,,5,30,3.4,trailing 10%,91,19.8,Bear,26.0,3.66,1.8,196,-15,42,74,true,Hedge,Buy index puts 1% notional,-6,-24,BrokerA,LMT,89,VAR>budget,Hedge,Risk above budget threshold,29,-2,1,4,false,Tighten stops on momentum names
P8588,Hands-off,Roth,USD,2025-03-15,260665,23301,237364,1.0,70.9,20.6,0.2,8.3,HYG:19.3%;VTI:23.9%;TSLA:9.1%;AMZN:23.9%;QQQ:23.9%,US:62.5;EU:18.0;APAC:10.9;EM:6.6;Other:2.0,Value:-0.8;Growth:-0.8;Quality:+0.8;Size:+0.6;Momentum:+0.7;LowVol:-0.8,ESGOnly;NoDerivatives,5,30,5.6,hard 10%,166,19.1,Bull,12.4,4.18,3.3,113,66,71,56,false,Sell,Trim extended winner -1%,31,-22,BrokerC,LMT,86,None,None,Normal monitoring,17,-35,28,5,false,Within IPS guidelines
P8589,Opportunistic,Trust,USD,2025-06-20,1124878,99978,1024900,1.0,70.1,12.6,10.0,7.3,BND:23.2%;AMZN:25.0%;TSLA:25.0%;QQQ:15.5%;VNQ:11.3%,US:70.5;EU:11.9;APAC:5.9;EM:9.5;Other:2.2,Value:-0.5;Growth:-0.7;Quality:+0.4;Size:+0.9;Momentum:+0.6;LowVol:+0.7,MaxPos6%,10,35,6.2,trailing 7%,218,30.0,Bear,33.9,4.39,2.1,212,-76,6,81,true,Hedge,Buy index puts 1% notional,21,-32,BrokerB,MKT,87,Drift>tolerance,Reduce,Allocation drift beyond policy bands,72,-21,194,5,false,Monitor dispersion and breadth
P8590,Hands-off,Trust,USD,2025-04-11,207033,18041,188992,1.0,63.1,22.0,8.8,6.1,AAPL:23.2%;AMZN:21.8%;VNQ:23.2%;HYG:8.8%;BND:23.2%,US:67.7;EU:13.5;APAC:12.1;EM:5.0;Other:1.7,Value:+1.0;Growth:-0.6;Quality:+0.7;Size:-0.3;Momentum:-0.6;LowVol:+0.1,ESGOnly;MaxPos7%,10,35,3.4,trailing 10%,158,18.1,Volatile,27.0,4.02,3.2,161,25,76,66,true,Rebalance,Rebalance back to target bands,2,12,BrokerA,MKT,94,RegimeShift,TightenStops,Volatility spike and breadth deterioration,75,-57,93,4,false,Tax-aware sells next window
P8591,Active,Taxable,USD,2025-04-13,2221313,256959,1964354,1.11,56.6,25.0,9.2,9.1,BRK.B:22.1%;IEF:22.1%;XLF:18.0%;TLT:16.9%;HYG:21.0%,US:63.5;EU:17.9;APAC:6.4;EM:8.2;Other:4.0,Value:+0.1;Growth:+0.4;Quality:+0.4;Size:-0.1;Momentum:+0.4;LowVol:-0.8,MaxPos5%;NoDerivatives,5,35,5.7,trailing 8%,213,25.6,Volatile,21.0,5.06,3.1,168,24,52,49,false,Rebalance,Shift +1% to bonds from equity,-1,-38,BrokerC,MKT,93,None,None,Normal monitoring,70,-25,98,5,false,Tax-aware sells next window
P8592,Active,Taxable,USD,2024-12-01,1468667,133108,1335559,1.0,51.2,29.1,11.8,7.9,VNQ:11.8%;MSFT:9.4%;AAPL:22.8%;AMZN:12.6%;IEF:22.8%;GLD:20.6%,US:58.2;EU:18.5;APAC:8.5;EM:10.6;Other:4.1,Value:-0.6;Growth:-0.4;Quality:+0.6;Size:-0.9;Momentum:-0.7;LowVol:+0.4,,7,25,5.2,hard 12%,136,26.4,Bull,12.3,3.57,3.3,75,78,89,32,false,Rebalance,Shift +1% to bonds from equity,32,-23,BrokerB,LMT,91,None,None,Normal monitoring,30,-37,142,4,false,Increase defensive factor exposure
P8593,Active,Taxable,USD,2025-11-01,2436111,225137,2210974,1.0,61.1,23.8,6.5,8.6,HYG:33.3%;MSFT:33.3%;IEF:33.3%,US:65.4;EU:17.8;APAC:10.2;EM:3.1;Other:3.6,Value:-0.5;Growth:0.0;Quality:+0.8;Size:-0.7;Momentum:+0.1;LowVol:+0.2,NoDerivatives,10,35,5.7,hard 12%,192,27.1,Sideways,14.3,3.59,2.2,132,58,80,35,false,Hedge,Add TLT +1% as duration hedge,5,-27,BrokerD,MKT,89,None,None,Normal monitoring,-45,-57,-11,4,false,Monitor dispersion and breadth
P8594,Active,401k,USD,2025-07-07,724620,61528,663092,1.0,65.2,21.8,5.5,7.5,VOO:34.6%;XLF:30.7%;AAPL:34.6%,US:54.4;EU:20.5;APAC:13.3;EM:7.7;Other:4.1,Value:-0.5;Growth:-0.7;Quality:-0.3;Size:-0.2;Momentum:+0.9;LowVol:-0.2,MaxPos8%,8,25,4.2,trailing 9%,198,24.6,Bull,16.1,4.04,2.2,80,109,90,51,true,Rebalance,Rebalance back to target bands,-4,12,BrokerD,MKT,88,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-19,-13,24,5,false,Tax-aware sells next window
P8595,Active,Taxable,USD,2025-09-25,1197062,131831,1065231,1.0,62.3,22.8,9.3,5.6,XLF:19.4%;BRK.B:21.4%;AAPL:19.0%;VNQ:21.4%;VTI:18.7%,US:64.6;EU:20.6;APAC:5.9;EM:5.4;Other:3.5,Value:-0.7;Growth:-0.9;Quality:-0.3;Size:+0.5;Momentum:+0.5;LowVol:-0.9,,5,30,4.4,trailing 8%,143,27.0,Volatile,22.6,3.71,3.1,125,23,66,56,false,Buy,Add to core equity +1%,-12,15,BrokerD,LMT,100,None,None,Normal monitoring,-20,-7,104,4,false,Tighten stops on momentum names
P8596,Hands-off,Taxable,USD,2024-12-06,876988,70917,806071,1.0,66.2,27.6,0.0,6.1,MUB:33.3%;MSFT:33.3%;XLF:33.3%,US:62.0;EU:15.8;APAC:11.0;EM:7.3;Other:3.9,Value:-0.9;Growth:-0.2;Quality:-0.3;Size:-0.3;Momentum:0.0;LowVol:-0.4,NoDerivatives,8,25,4.9,trailing 10%,147,14.6,Bull,12.5,4.46,3.3,109,115,95,42,false,NoAction,Within bands; monitor,16,-7,BrokerD,VWAP,96,None,None,Normal monitoring,-59,-45,31,3,false,Tighten stops on momentum names
P8597,Active,Roth,USD,2024-10-28,817678,76312,741366,1.0,51.6,26.4,15.6,6.4,VTI:17.8%;TSLA:18.3%;QQQ:18.6%;BND:8.5%;VNQ:19.6%;AAPL:17.2%,US:62.7;EU:15.4;APAC:11.7;EM:6.4;Other:3.7,Value:+0.7;Growth:+0.4;Quality:+0.1;Size:+0.5;Momentum:-0.6;LowVol:-0.4,,5,35,5.8,hard 12%,131,21.9,Bear,32.9,3.93,2.4,135,16,69,69,false,Sell,Trim extended winner -1%,-14,-11,BrokerA,LMT,99,None,None,Normal monitoring,-20,1,-5,3,false,Tighten stops on momentum names
P8598,Systematic,Taxable,USD,2025-03-06,948063,48160,899903,1.0,68.8,25.4,0.5,5.3,TLT:35.8%;VTI:35.8%;VOO:28.3%,US:61.5;EU:15.2;APAC:9.8;EM:10.0;Other:3.5,Value:+0.1;Growth:+0.8;Quality:-0.0;Size:+0.1;Momentum:+0.5;LowVol:+0.2,NoDerivatives,8,35,5.8,hard 12%,216,20.4,Bull,13.5,4.73,2.6,112,92,81,48,false,Rebalance,Shift +1% to bonds from equity,14,-17,BrokerB,MKT,91,None,None,Normal monitoring,10,11,136,4,false,Tighten stops on momentum names
P8599,Hands-off,IRA,USD,2024-09-21,222879,16126,206753,1.0,57.1,18.8,16.7,7.4,BND:33.3%;QQQ:33.3%;MSFT:33.3%,US:63.4;EU:18.1;APAC:10.4;EM:7.2;Other:0.9,Value:+0.2;Growth:-0.6;Quality:+0.1;Size:-0.2;Momentum:-0.5;LowVol:-0.9,ESGOnly,10,25,5.5,trailing 10%,94,13.7,Sideways,20.4,4.68,2.2,140,-7,36,65,false,Sell,Trim extended winner -1%,22,11,BrokerC,LMT,86,None,None,Normal monitoring,101,-10,104,4,false,Within IPS guidelines
P8600,Cautious,401k,USD,2025-04-09,571566,47539,524027,1.0,49.6,36.0,0.0,14.5,XLF:15.6%;GLD:23.1%;BRK.B:12.5%;AAPL:24.4%;AMZN:24.4%,US:69.3;EU:7.1;APAC:13.1;EM:9.7;Other:0.8,Value:+0.5;Growth:0.0;Quality:-0.7;Size:+0.9;Momentum:+0.4;LowVol:-0.3,ESGOnly;NoMargin,10,30,5.2,trailing 8%,118,16.8,Bear,25.9,3.11,1.6,204,34,78,51,false,Buy,Add to core equity +1%,-1,14,BrokerB,VWAP,91,None,None,Normal monitoring,111,2,137,5,false,Increase defensive factor exposure
P8601,Cautious,Roth,USD,2025-09-19,235684,30477,205207,1.0,36.4,43.3,7.9,12.3,TSLA:27.6%;MSFT:17.3%;AAPL:27.6%;MUB:27.6%,US:69.2;EU:5.8;APAC:14.4;EM:9.1;Other:1.5,Value:-0.4;Growth:-0.8;Quality:-0.8;Size:+0.7;Momentum:+0.8;LowVol:+0.1,ESGOnly;NoDerivatives;NoMargin,6,25,4.0,trailing 8%,104,18.9,Bull,14.7,3.59,2.6,90,115,100,36,true,Reduce,"Cut high-beta by 2-3%, add cash",28,9,BrokerB,LMT,89,VAR>budget,TightenStops,Risk above budget threshold,60,-46,100,3,false,Monitor dispersion and breadth
P8602,Hands-off,Roth,USD,2024-11-26,208328,13928,194400,1.0,55.2,23.2,14.2,7.5,MSFT:33.3%;BND:33.3%;TLT:33.3%,US:75.9;EU:8.4;APAC:6.1;EM:9.6;Other:0.0,Value:+0.6;Growth:-0.7;Quality:+0.9;Size:-0.6;Momentum:-0.6;LowVol:-0.7,ESGOnly;NoDerivatives,7,25,3.7,trailing 8%,106,19.9,Bear,33.4,3.72,2.8,160,-94,16,75,true,Reduce,"Cut high-beta by 2-3%, add cash",31,-37,BrokerA,MKT,98,VAR>budget,Reduce,Risk above budget threshold,-56,-23,-58,3,false,Within IPS guidelines
P8603,Hands-off,401k,USD,2025-09-23,804872,39824,765048,1.0,59.1,16.8,16.7,7.4,VNQ:32.7%;IEF:33.7%;AAPL:33.7%,US:71.2;EU:5.6;APAC:10.2;EM:9.0;Other:4.0,Value:-0.3;Growth:-0.4;Quality:+0.9;Size:+0.1;Momentum:-0.9;LowVol:-0.1,MaxPos5%;NoDerivatives,7,35,4.9,hard 10%,125,15.4,Bull,16.8,3.68,2.6,80,77,94,56,false,Rebalance,Shift +1% to bonds from equity,17,4,BrokerC,MKT,99,None,None,Normal monitoring,17,14,136,4,false,Tighten stops on momentum names
P8604,Opportunistic,Roth,USD,2025-08-30,354800,30525,324275,1.19,73.8,18.1,0.0,8.1,VOO:22.3%;GLD:21.2%;HYG:12.4%;TLT:21.7%;MUB:22.3%,US:63.1;EU:18.6;APAC:7.6;EM:8.8;Other:1.8,Value:-0.1;Growth:0.0;Quality:-0.9;Size:+0.4;Momentum:+0.7;LowVol:-0.6,MaxPos7%;NoDerivatives,10,30,4.5,hard 12%,213,23.1,Volatile,21.7,5.15,4.1,137,-6,47,62,false,Rebalance,Shift +1% to bonds from equity,8,-40,BrokerD,VWAP,99,None,None,Normal monitoring,27,-10,149,4,false,Tighten stops on momentum names
P8605,Hands-off,401k,USD,2025-01-08,458491,29133,429358,1.0,72.3,18.5,3.3,5.9,TLT:25.0%;TSLA:25.0%;XLF:25.0%;MUB:25.0%,US:66.5;EU:17.5;APAC:6.5;EM:6.1;Other:3.5,Value:-1.0;Growth:+0.4;Quality:-0.7;Size:-0.5;Momentum:+0.8;LowVol:+0.8,ESGOnly;MaxPos6%,6,35,3.8,trailing 8%,162,17.8,Sideways,20.8,3.89,2.1,133,-5,53,57,false,Rebalance,Shift +1% to bonds from equity,-10,0,BrokerC,MKT,86,None,None,Normal monitoring,36,-6,61,5,false,Monitor dispersion and breadth
P8606,Systematic,401k,USD,2024-07-09,1905133,133909,1771224,1.0,64.9,25.4,4.2,5.5,AAPL:33.3%;TLT:33.3%;IEF:33.3%,US:75.1;EU:9.2;APAC:6.8;EM:7.2;Other:1.7,Value:+0.1;Growth:-0.2;Quality:+0.9;Size:-0.5;Momentum:-0.5;LowVol:-0.9,NoDerivatives,7,25,4.2,hard 12%,191,27.6,Bear,34.3,4.0,1.9,213,-87,11,87,true,Reduce,"Cut high-beta by 2-3%, add cash",-5,-19,BrokerB,LMT,90,RegimeShift,Reduce,Volatility spike and breadth deterioration,66,-42,85,3,false,Increase defensive factor exposure
P8607,Hands-off,Taxable,USD,2025-06-05,172443,15394,157049,1.0,62.9,25.4,2.4,9.3,MSFT:10.1%;VTI:22.5%;BND:22.5%;BRK.B:22.5%;XLF:22.5%,US:66.1;EU:14.8;APAC:9.0;EM:7.8;Other:2.2,Value:+0.6;Growth:+0.3;Quality:-0.3;Size:-0.8;Momentum:+0.1;LowVol:+0.1,NoDerivatives,8,35,4.4,trailing 8%,115,19.9,Bull,15.2,4.96,3.0,106,102,100,58,false,Rebalance,Shift +1% to bonds from equity,33,-29,BrokerB,LMT,86,None,None,Normal monitoring,28,-42,116,3,false,Monitor dispersion and breadth
P8608,Active,Trust,USD,2025-07-15,1138785,82096,1056689,1.0,60.6,23.5,9.7,6.2,BRK.B:8.9%;IEF:22.8%;MUB:22.8%;TSLA:15.7%;VOO:13.7%;VNQ:16.1%,US:61.4;EU:14.2;APAC:10.4;EM:11.1;Other:2.9,Value:+0.1;Growth:+0.7;Quality:+0.3;Size:-0.5;Momentum:0.0;LowVol:+0.5,,10,35,5.7,trailing 9%,229,26.6,Volatile,20.0,4.01,2.4,148,58,82,50,false,Rebalance,Shift +1% to bonds from equity,14,9,BrokerB,MKT,98,None,None,Normal monitoring,-9,18,99,3,false,Tighten stops on momentum names
P8609,Hands-off,Trust,USD,2025-07-01,399542,25359,374183,1.0,70.1,22.7,0.0,7.2,MUB:26.2%;BND:21.3%;TLT:26.2%;TSLA:26.2%,US:59.2;EU:18.7;APAC:10.0;EM:11.7;Other:0.3,Value:-0.5;Growth:-0.2;Quality:-0.2;Size:-0.5;Momentum:+0.3;LowVol:-0.6,NoDerivatives,5,25,4.5,trailing 8%,107,19.5,Bull,14.7,4.61,2.6,74,105,100,55,false,Buy,Add to core equity +1%,-8,5,BrokerB,VWAP,87,None,None,Normal monitoring,107,-26,109,4,false,Increase defensive factor exposure
P8610,Cautious,Roth,USD,2025-10-23,895415,76593,818822,1.0,54.0,33.0,1.4,11.6,TLT:33.3%;VOO:33.3%;AAPL:33.3%,US:61.7;EU:12.5;APAC:7.7;EM:13.0;Other:5.1,Value:+0.6;Growth:+0.9;Quality:+0.5;Size:-0.5;Momentum:-0.9;LowVol:-0.3,ESGOnly;MaxPos6%;NoMargin,6,30,5.0,trailing 8%,145,14.3,Bull,11.8,4.27,2.6,104,102,100,42,false,Rebalance,Shift +1% to bonds from equity,32,7,BrokerC,MKT,97,None,None,Normal monitoring,78,11,120,4,false,Tax-aware sells next window
P8611,Opportunistic,Roth,USD,2025-06-20,823592,47063,776529,1.13,62.7,13.3,17.2,6.8,MUB:26.9%;TLT:19.4%;XLF:26.9%;BRK.B:26.9%,US:68.5;EU:8.5;APAC:14.3;EM:4.1;Other:4.6,Value:-0.4;Growth:-1.0;Quality:-0.2;Size:+0.9;Momentum:+0.4;LowVol:-0.7,MaxPos6%;NoDerivatives,5,25,6.6,trailing 9%,259,20.0,Sideways,16.6,4.09,2.7,132,22,56,42,true,Hedge,Buy index puts 1% notional,32,-31,BrokerC,MKT,85,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-38,10,34,4,false,Tighten stops on momentum names
P8612,Systematic,IRA,USD,2025-08-25,1922757,176958,1745799,1.0,63.0,28.5,2.7,5.7,HYG:33.3%;TSLA:33.3%;AMZN:33.3%,US:67.5;EU:7.1;APAC:12.5;EM:8.8;Other:4.1,Value:-0.5;Growth:+0.6;Quality:+0.9;Size:-0.1;Momentum:-0.5;LowVol:+0.8,,5,30,5.3,trailing 9%,212,19.8,Sideways,20.6,4.91,2.1,133,3,58,65,false,Rebalance,Shift +1% to bonds from equity,-4,2,BrokerA,VWAP,90,None,None,Normal monitoring,106,-35,100,3,false,Increase defensive factor exposure
P8613,Hands-off,Roth,USD,2025-02-16,184984,12064,172920,1.0,66.0,20.8,4.5,8.7,HYG:22.5%;QQQ:16.4%;MSFT:16.9%;VNQ:22.5%;VOO:21.7%,US:57.9;EU:20.5;APAC:9.4;EM:8.5;Other:3.6,Value:+0.9;Growth:+0.4;Quality:+0.8;Size:+0.5;Momentum:-0.8;LowVol:-0.8,MaxPos8%,6,25,4.9,trailing 8%,167,18.7,Sideways,21.0,3.69,2.5,103,31,51,57,false,Rebalance,Shift +1% to bonds from equity,2,-10,BrokerD,LMT,86,None,None,Normal monitoring,17,-14,-3,4,false,Tax-aware sells next window
P8614,Cautious,Roth,USD,2024-08-02,644639,89873,554766,1.0,45.2,35.1,6.9,12.8,BND:21.0%;VOO:21.0%;HYG:17.6%;AAPL:12.7%;QQQ:11.9%;VTI:15.9%,US:59.8;EU:17.4;APAC:11.7;EM:10.9;Other:0.2,Value:+0.5;Growth:-0.1;Quality:-0.5;Size:+1.0;Momentum:+0.3;LowVol:+0.9,ESGOnly;NoMargin,7,35,3.5,hard 10%,102,19.3,Bull,15.3,4.81,2.5,111,46,72,44,false,NoAction,Within bands; monitor,19,-38,BrokerC,MKT,0,None,None,Normal monitoring,81,-9,86,5,false,Monitor dispersion and breadth
P8615,Active,Roth,USD,2024-12-20,1352511,129116,1223395,1.0,62.1,28.5,0.0,9.4,BRK.B:20.5%;BND:22.9%;VTI:28.3%;TSLA:28.3%,US:71.0;EU:13.9;APAC:8.4;EM:6.0;Other:0.7,Value:+0.6;Growth:-0.6;Quality:-0.5;Size:-0.6;Momentum:+0.5;LowVol:-0.5,NoDerivatives,10,35,4.1,trailing 8%,179,22.5,Bear,24.0,3.76,1.2,160,27,70,71,true,Rebalance,Rebalance back to target bands,0,-2,BrokerD,VWAP,86,Drift>tolerance,Reduce,Allocation drift beyond policy bands,108,-15,188,2,false,Within IPS guidelines
P8616,Systematic,Roth,USD,2025-03-01,714031,40482,673549,1.0,58.0,27.3,7.7,7.1,IEF:33.3%;HYG:33.3%;VNQ:33.3%,US:60.9;EU:15.3;APAC:12.7;EM:9.5;Other:1.5,Value:+0.9;Growth:+0.3;Quality:+0.2;Size:+0.2;Momentum:+0.6;LowVol:-0.3,,8,30,5.4,trailing 9%,204,24.0,Volatile,26.8,5.5,4.1,154,-20,51,77,true,Rebalance,Rebalance back to target bands,26,-21,BrokerB,VWAP,95,VAR>budget,Pause,Risk above budget threshold,80,-55,134,4,true,Increase defensive factor exposure
P8617,Opportunistic,Trust,USD,2025-05-01,777368,39737,737631,1.0,71.7,14.7,6.8,6.8,BND:35.0%;GLD:29.9%;TLT:35.0%,US:62.6;EU:17.9;APAC:8.1;EM:9.4;Other:2.0,Value:+0.7;Growth:-0.9;Quality:-0.9;Size:-0.3;Momentum:+0.4;LowVol:-0.4,MaxPos8%,6,35,6.5,hard 12%,227,20.8,Bear,27.1,3.27,2.8,172,24,59,68,false,Rebalance,Shift +1% to bonds from equity,-15,-15,BrokerD,VWAP,97,None,None,Normal monitoring,101,-58,81,5,false,Tighten stops on momentum names
P8618,Active,IRA,USD,2024-07-09,2245522,144436,2101086,1.0,66.3,24.5,0.0,9.3,QQQ:7.0%;HYG:7.1%;XLF:21.5%;MSFT:21.5%;TLT:21.4%;VNQ:21.5%,US:63.0;EU:15.3;APAC:13.9;EM:7.5;Other:0.2,Value:-0.9;Growth:+0.5;Quality:+0.5;Size:-0.8;Momentum:-0.4;LowVol:-0.4,MaxPos6%,7,35,4.6,trailing 8%,122,25.4,Bull,17.0,4.69,3.2,91,115,93,45,false,NoAction,Within bands; monitor,0,-26,BrokerD,MKT,0,None,None,Normal monitoring,-30,-10,86,3,false,Tax-aware sells next window
P8619,Hands-off,Trust,USD,2024-10-27,834304,49651,784653,1.0,66.0,26.3,0.0,7.8,VTI:32.1%;MSFT:33.9%;TLT:33.9%,US:68.5;EU:19.4;APAC:7.3;EM:4.3;Other:0.6,Value:-0.7;Growth:-0.7;Quality:+0.6;Size:0.0;Momentum:-0.1;LowVol:+0.4,ESGOnly;MaxPos7%,6,35,4.7,trailing 8%,153,15.8,Bear,29.3,3.53,2.4,170,-10,45,78,true,Reduce,"Cut high-beta by 2-3%, add cash",7,-19,BrokerA,VWAP,98,VAR>budget,Hedge,Risk above budget threshold,88,-15,141,2,false,Increase defensive factor exposure
P8620,Cautious,Roth,USD,2025-06-13,246133,30464,215669,1.0,47.4,39.3,0.0,13.3,GLD:15.7%;AMZN:28.1%;AAPL:28.1%;BRK.B:28.1%,US:61.6;EU:9.0;APAC:14.7;EM:9.9;Other:4.8,Value:-0.8;Growth:-0.4;Quality:-0.3;Size:+0.7;Momentum:-0.2;LowVol:+0.3,NoDerivatives;NoMargin,8,35,4.3,trailing 10%,163,16.2,Volatile,20.7,3.6,2.5,113,-59,9,48,false,Rebalance,Shift +1% to bonds from equity,1,-22,BrokerC,VWAP,91,None,None,Normal monitoring,-42,15,-11,3,false,Within IPS guidelines
P8621,Cautious,Roth,USD,2024-09-07,508089,63802,444287,1.0,37.6,32.0,17.2,13.1,XLF:25.0%;GLD:25.0%;BND:25.0%;MUB:25.0%,US:65.0;EU:10.9;APAC:13.1;EM:9.7;Other:1.3,Value:+0.9;Growth:+1.0;Quality:-1.0;Size:-0.9;Momentum:-0.6;LowVol:-0.5,ESGOnly;MaxPos7%;NoDerivatives;NoMargin,8,25,3.7,hard 10%,139,13.8,Bull,12.9,4.95,2.1,79,85,100,21,false,Rebalance,Shift +1% to bonds from equity,3,5,BrokerA,VWAP,100,None,None,Normal monitoring,-59,-35,-66,5,false,Within IPS guidelines
P8622,Hands-off,Roth,USD,2025-09-01,174780,10595,164185,1.0,67.3,23.6,1.8,7.3,VOO:26.1%;MSFT:18.7%;HYG:27.6%;XLF:27.6%,US:64.0;EU:11.9;APAC:10.4;EM:9.6;Other:4.1,Value:-0.6;Growth:-0.7;Quality:+0.1;Size:+0.6;Momentum:+0.2;LowVol:0.0,ESGOnly,7,25,5.2,trailing 8%,158,17.2,Volatile,22.5,3.85,2.4,133,3,54,55,false,Buy,Add to core equity +1%,32,-30,BrokerA,LMT,100,None,None,Normal monitoring,23,0,103,4,false,Within IPS guidelines
P8623,Systematic,Trust,USD,2025-01-04,1924795,122131,1802664,1.0,62.4,27.2,2.9,7.6,VOO:28.8%;XLF:28.8%;VTI:13.7%;MSFT:28.8%,US:65.4;EU:17.1;APAC:10.7;EM:4.0;Other:2.8,Value:+0.5;Growth:+0.6;Quality:-0.1;Size:-0.6;Momentum:+0.7;LowVol:-0.8,MaxPos8%,10,25,4.2,trailing 9%,139,24.9,Bull,17.3,4.42,2.7,93,62,95,53,false,Hedge,Add TLT +1% as duration hedge,30,-10,BrokerB,LMT,90,None,None,Normal monitoring,47,-56,113,5,false,Tax-aware sells next window
P8624,Active,IRA,USD,2025-01-27,1882283,128955,1753328,1.0,64.0,28.1,0.0,8.0,VTI:13.7%;TSLA:20.7%;BRK.B:19.8%;AAPL:10.3%;VNQ:17.9%;QQQ:17.6%,US:54.7;EU:11.6;APAC:16.1;EM:12.4;Other:5.2,Value:+0.1;Growth:0.0;Quality:+0.2;Size:-0.6;Momentum:0.0;LowVol:+0.7,,8,35,5.1,trailing 9%,176,16.9,Bear,27.2,4.14,2.6,198,-76,12,67,false,Buy,Add to core equity +1%,18,6,BrokerB,MKT,86,None,None,Normal monitoring,16,-57,146,5,false,Tax-aware sells next window
P8625,Active,IRA,USD,2025-07-30,2223530,254217,1969313,1.0,66.8,26.4,0.0,6.8,AMZN:33.3%;QQQ:33.3%;BND:33.3%,US:64.2;EU:12.5;APAC:12.5;EM:7.7;Other:3.1,Value:-1.0;Growth:+1.0;Quality:-0.6;Size:+0.9;Momentum:-0.5;LowVol:+0.4,,7,30,4.6,hard 12%,122,24.1,Bull,16.2,4.66,3.2,119,49,72,51,false,Sell,Trim extended winner -1%,22,-31,BrokerA,LMT,100,None,None,Normal monitoring,29,18,77,3,false,Increase defensive factor exposure
P8626,Systematic,Taxable,USD,2025-10-04,986472,57188,929284,1.0,68.5,23.5,2.5,5.5,BRK.B:14.5%;VTI:21.4%;MSFT:21.4%;TLT:21.4%;BND:21.4%,US:67.3;EU:13.0;APAC:7.2;EM:11.6;Other:1.0,Value:+0.9;Growth:-0.6;Quality:+0.2;Size:-0.7;Momentum:-0.2;LowVol:-0.8,NoDerivatives,8,35,5.2,trailing 8%,213,18.3,Bull,12.0,3.71,2.8,111,47,71,55,true,Rebalance,Rebalance back to target bands,35,5,BrokerC,MKT,99,RegimeShift,Pause,Volatility spike and breadth deterioration,115,-30,254,2,false,Within IPS guidelines
P8627,Hands-off,401k,USD,2025-10-31,301887,20094,281793,1.0,57.8,17.9,17.6,6.7,IEF:26.2%;HYG:21.1%;MSFT:26.3%;GLD:26.3%,US:60.9;EU:17.8;APAC:10.2;EM:8.1;Other:3.1,Value:+0.2;Growth:+0.7;Quality:+0.9;Size:+0.4;Momentum:-0.5;LowVol:-0.2,MaxPos5%,7,25,4.2,trailing 8%,118,19.2,Bear,27.5,4.26,2.1,196,-41,35,69,false,NoAction,Within bands; monitor,22,-15,BrokerB,MKT,0,None,None,Normal monitoring,113,19,85,5,false,Tax-aware sells next window
P8628,Opportunistic,Trust,USD,2025-05-12,389440,32449,356991,1.0,61.3,13.0,17.8,7.9,HYG:21.8%;MSFT:16.5%;AAPL:17.9%;GLD:21.9%;VTI:21.9%,US:61.1;EU:14.2;APAC:8.3;EM:12.9;Other:3.6,Value:-0.3;Growth:-0.8;Quality:+0.2;Size:+0.2;Momentum:-0.4;LowVol:-0.8,MaxPos6%,5,25,4.5,trailing 7%,187,22.3,Sideways,21.1,4.5,2.6,104,60,69,48,false,Rebalance,Shift +1% to bonds from equity,35,1,BrokerA,MKT,88,None,None,Normal monitoring,79,-43,77,3,false,Tighten stops on momentum names
P8629,Hands-off,Roth,USD,2025-08-19,456627,34293,422334,1.0,66.0,16.4,12.1,5.4,MUB:27.3%;IEF:18.2%;VTI:27.3%;VOO:27.3%,US:59.2;EU:13.6;APAC:14.3;EM:8.7;Other:4.2,Value:+0.7;Growth:-0.8;Quality:-0.7;Size:-0.6;Momentum:+0.5;LowVol:+0.4,NoDerivatives,10,25,5.9,trailing 10%,142,18.0,Sideways,19.7,4.41,2.1,104,-3,39,52,false,Buy,Add to core equity +1%,24,-28,BrokerC,LMT,90,None,None,Normal monitoring,10,-1,50,3,false,Tax-aware sells next window
P8630,Hands-off,IRA,USD,2025-02-14,257860,25749,232111,1.0,59.9,17.4,14.5,8.2,VNQ:33.3%;TLT:33.3%;MSFT:33.3%,US:64.3;EU:16.4;APAC:8.6;EM:8.7;Other:2.0,Value:+0.3;Growth:-0.0;Quality:-0.7;Size:-0.2;Momentum:+0.7;LowVol:+0.7,ESGOnly,7,30,5.8,trailing 10%,153,14.2,Bear,31.4,4.29,3.0,157,1,44,81,true,Rebalance,Rebalance back to target bands,-3,-34,BrokerC,VWAP,95,VAR>budget,Reduce,Risk above budget threshold,-28,-47,70,5,true,Tighten stops on momentum names
P8631,Hands-off,Taxable,USD,2024-09-18,602455,42580,559875,1.0,59.5,18.6,16.2,5.6,IEF:19.7%;HYG:23.4%;XLF:17.1%;BRK.B:16.5%;QQQ:23.4%,US:62.8;EU:11.9;APAC:15.6;EM:7.3;Other:2.5,Value:-0.4;Growth:+0.3;Quality:+0.5;Size:-0.2;Momentum:-0.1;LowVol:0.0,,10,25,5.0,trailing 8%,132,15.5,Bull,13.3,4.77,2.0,82,19,70,39,false,Hedge,Add TLT +1% as duration hedge,-6,-29,BrokerA,LMT,93,None,None,Normal monitoring,120,-19,198,4,false,Increase defensive factor exposure
P8632,Opportunistic,Taxable,USD,2025-11-20,1206451,55081,1151370,1.0,72.4,20.1,1.7,5.8,VNQ:27.7%;VOO:27.7%;VTI:23.3%;AAPL:21.3%,US:63.1;EU:14.0;APAC:13.6;EM:9.2;Other:0.2,Value:-0.5;Growth:+0.2;Quality:-0.1;Size:+0.2;Momentum:+0.6;LowVol:+0.1,MaxPos7%,10,35,6.8,trailing 7%,198,27.8,Bear,30.1,3.57,2.0,176,-23,38,88,true,Reduce,"Cut high-beta by 2-3%, add cash",-14,5,BrokerA,LMT,86,VAR>budget,Hedge,Risk above budget threshold,-45,-41,93,2,false,Within IPS guidelines
P8633,Active,Taxable,USD,2025-11-15,1698014,203719,1494295,1.0,54.7,30.8,5.1,9.5,MSFT:24.9%;BRK.B:12.6%;VTI:12.8%;VNQ:24.9%;GLD:24.9%,US:61.0;EU:16.9;APAC:16.2;EM:5.1;Other:0.8,Value:+0.3;Growth:+0.7;Quality:+0.9;Size:+0.7;Momentum:+0.2;LowVol:-0.7,MaxPos5%,7,30,4.3,trailing 8%,137,20.4,Sideways,16.1,4.77,2.7,116,-15,30,45,false,NoAction,Within bands; monitor,15,-23,BrokerB,MKT,0,None,None,Normal monitoring,4,-18,120,3,false,Within IPS guidelines
P8634,Cautious,Taxable,USD,2024-10-30,706386,60272,646114,1.0,45.7,38.6,0.0,15.7,TSLA:26.0%;AAPL:24.0%;VNQ:26.0%;HYG:23.9%,US:69.6;EU:14.5;APAC:6.0;EM:6.6;Other:3.3,Value:-0.5;Growth:+0.8;Quality:-0.8;Size:-0.4;Momentum:-0.0;LowVol:-0.7,NoMargin,7,25,3.8,trailing 10%,121,13.6,Bull,18.0,4.92,3.4,109,36,54,52,false,Sell,Trim extended winner -1%,1,-26,BrokerD,MKT,96,None,None,Normal monitoring,119,-24,130,4,false,Tighten stops on momentum names
P8635,Active,401k,USD,2025-10-02,2110261,250806,1859455,1.2,68.8,18.9,4.6,7.8,TSLA:33.3%;QQQ:33.3%;IEF:33.3%,US:64.2;EU:13.8;APAC:12.6;EM:5.9;Other:3.6,Value:-0.1;Growth:+0.4;Quality:-0.6;Size:+0.1;Momentum:-0.5;LowVol:-0.7,NoDerivatives,6,25,4.2,trailing 8%,139,21.4,Volatile,30.3,4.61,3.2,162,-29,43,75,true,Hedge,Buy index puts 1% notional,8,12,BrokerC,LMT,100,RegimeShift,Reduce,Volatility spike and breadth deterioration,-52,-19,15,2,true,Tighten stops on momentum names
P8636,Opportunistic,IRA,USD,2025-09-13,1344803,43324,1301479,1.0,71.4,18.7,5.4,4.5,IEF:25.8%;AMZN:13.0%;HYG:25.8%;QQQ:22.1%;VNQ:13.4%,US:69.6;EU:6.9;APAC:12.0;EM:5.4;Other:6.1,Value:+0.2;Growth:-0.1;Quality:-0.5;Size:+0.7;Momentum:+1.0;LowVol:+0.7,,7,35,5.9,trailing 9%,213,25.2,Bear,34.5,3.19,1.2,205,-25,41,99,true,Hedge,Buy index puts 1% notional,2,-27,BrokerD,VWAP,95,RegimeShift,Hedge,Volatility spike and breadth deterioration,51,5,116,2,false,Tax-aware sells next window
P8637,Active,Trust,USD,2024-10-03,1802478,159918,1642560,1.0,62.5,28.9,3.2,5.5,IEF:34.4%;TLT:31.2%;VTI:34.4%,US:62.4;EU:17.7;APAC:6.1;EM:8.2;Other:5.5,Value:+0.9;Growth:-0.9;Quality:+0.1;Size:-0.5;Momentum:+0.6;LowVol:-0.3,MaxPos6%;NoDerivatives,7,25,5.0,trailing 8%,122,25.8,Sideways,17.7,4.55,2.3,139,55,81,51,false,Sell,Trim extended winner -1%,21,-4,BrokerD,VWAP,95,None,None,Normal monitoring,-7,9,2,5,false,Tighten stops on momentum names
P8638,Hands-off,IRA,USD,2025-12-13,245271,14842,230429,1.0,61.1,15.7,16.6,6.7,VTI:33.3%;TLT:33.3%;MUB:33.3%,US:73.9;EU:8.9;APAC:11.6;EM:5.4;Other:0.1,Value:+0.5;Growth:+0.1;Quality:+1.0;Size:-0.5;Momentum:+0.4;LowVol:-0.3,ESGOnly;NoDerivatives,6,35,4.6,hard 10%,131,17.2,Volatile,22.7,5.21,2.6,120,11,66,61,false,Rebalance,Shift +1% to bonds from equity,-9,-27,BrokerB,LMT,93,None,None,Normal monitoring,-37,-33,-62,5,false,Monitor dispersion and breadth
P8639,Opportunistic,Roth,USD,2025-08-30,1476164,83045,1393119,1.11,72.5,15.8,4.2,7.5,GLD:35.3%;TLT:35.3%;BRK.B:29.5%,US:65.2;EU:16.2;APAC:9.5;EM:8.5;Other:0.6,Value:+1.0;Growth:+0.2;Quality:-0.5;Size:-1.0;Momentum:0.0;LowVol:-0.6,MaxPos7%;NoDerivatives,5,35,4.8,trailing 7%,250,28.4,Bear,34.2,4.23,1.9,202,23,62,81,true,Hedge,Buy index puts 1% notional,17,-27,BrokerD,VWAP,88,RegimeShift,Reduce,Volatility spike and breadth deterioration,70,-52,189,2,false,Monitor dispersion and breadth
P8640,Hands-off,Taxable,USD,2025-02-28,873365,52488,820877,1.0,66.2,28.3,0.0,5.5,AMZN:28.0%;MUB:28.0%;TLT:15.9%;VNQ:28.0%,US:67.1;EU:14.5;APAC:9.1;EM:6.8;Other:2.5,Value:+0.1;Growth:-0.8;Quality:+0.5;Size:+0.7;Momentum:-0.5;LowVol:-0.6,MaxPos5%,7,25,4.9,trailing 8%,94,13.5,Volatile,25.9,3.86,3.7,119,-17,33,63,false,Sell,Trim extended winner -1%,23,-2,BrokerC,MKT,89,None,None,Normal monitoring,96,8,169,3,false,Increase defensive factor exposure
P8641,Cautious,IRA,USD,2025-03-26,202888,19189,183699,1.0,42.3,42.5,0.0,15.2,TSLA:18.4%;GLD:22.9%;MSFT:22.9%;BRK.B:19.7%;TLT:16.1%,US:70.5;EU:10.3;APAC:8.6;EM:8.3;Other:2.3,Value:-0.1;Growth:-0.3;Quality:+0.1;Size:+0.9;Momentum:-0.2;LowVol:-0.0,ESGOnly;NoMargin,8,30,6.0,trailing 8%,138,19.9,Bear,32.7,4.32,2.3,175,-36,36,72,true,Rebalance,Rebalance back to target bands,16,-29,BrokerC,MKT,100,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-41,-8,90,3,false,Within IPS guidelines
P8642,Active,IRA,USD,2025-03-25,833416,57942,775474,1.0,64.1,22.3,7.2,6.4,AAPL:28.3%;IEF:28.3%;QQQ:28.3%;HYG:15.2%,US:68.7;EU:8.9;APAC:9.7;EM:10.7;Other:1.9,Value:-0.3;Growth:-0.7;Quality:-0.3;Size:-0.3;Momentum:+0.2;LowVol:+0.9,,8,25,5.6,trailing 8%,215,24.1,Bull,16.7,4.08,2.4,106,51,84,50,false,Sell,Trim extended winner -1%,-13,-38,BrokerC,VWAP,96,None,None,Normal monitoring,48,-28,74,5,false,Increase defensive factor exposure
P8643,Active,Roth,USD,2025-03-04,890494,85247,805247,1.0,64.9,25.3,0.0,9.8,XLF:19.7%;BND:26.8%;MSFT:26.8%;HYG:26.8%,US:74.8;EU:7.6;APAC:7.9;EM:6.1;Other:3.6,Value:+0.8;Growth:+0.8;Quality:-0.1;Size:-0.4;Momentum:-0.5;LowVol:+0.6,NoDerivatives,5,25,4.1,trailing 9%,127,20.6,Bull,17.2,3.97,3.1,103,95,100,63,false,Rebalance,Shift +1% to bonds from equity,13,-7,BrokerB,MKT,85,None,None,Normal monitoring,34,10,70,5,false,Tighten stops on momentum names
P8644,Systematic,401k,USD,2025-02-01,1143074,71488,1071586,1.0,56.1,34.3,0.2,9.4,HYG:25.0%;MUB:25.0%;MSFT:25.0%;VTI:25.0%,US:68.1;EU:17.7;APAC:6.3;EM:3.6;Other:4.3,Value:+1.0;Growth:+0.7;Quality:+0.9;Size:+0.1;Momentum:+0.3;LowVol:+0.8,MaxPos6%,5,30,6.0,hard 12%,186,19.0,Sideways,21.4,4.16,2.4,135,14,69,63,false,Buy,Add to core equity +1%,-9,-22,BrokerD,MKT,94,None,None,Normal monitoring,34,6,42,5,false,Increase defensive factor exposure
P8645,Hands-off,401k,USD,2025-09-11,772167,55293,716874,1.0,73.5,17.9,2.1,6.5,HYG:33.3%;MUB:33.3%;QQQ:33.3%,US:67.8;EU:14.0;APAC:9.5;EM:4.7;Other:4.0,Value:+0.8;Growth:0.0;Quality:+0.5;Size:+0.6;Momentum:+0.3;LowVol:+0.5,ESGOnly;MaxPos7%;NoDerivatives,6,25,3.5,hard 10%,135,19.0,Volatile,23.3,4.58,3.2,172,20,50,78,true,Hedge,Buy index puts 1% notional,24,-19,BrokerD,LMT,95,VAR>budget,TightenStops,Risk above budget threshold,31,-42,156,5,false,Increase defensive factor exposure
P8646,Cautious,IRA,USD,2025-06-09,163118,14159,148959,1.0,52.8,35.3,0.0,11.9,QQQ:16.6%;BND:28.2%;HYG:27.0%;MSFT:28.2%,US:66.8;EU:10.3;APAC:9.0;EM:9.9;Other:4.1,Value:+0.3;Growth:-0.1;Quality:+1.0;Size:+0.5;Momentum:-0.4;LowVol:+0.9,MaxPos5%;NoMargin,6,25,4.3,hard 10%,97,16.8,Bull,16.1,3.79,2.2,81,63,76,49,false,Sell,Trim extended winner -1%,19,-29,BrokerA,LMT,93,None,None,Normal monitoring,-13,-8,85,3,false,Tighten stops on momentum names
P8647,Active,IRA,USD,2025-04-12,803217,56629,746588,1.0,53.3,21.2,20.0,5.4,HYG:16.5%;TSLA:24.3%;QQQ:17.5%;VTI:24.3%;MUB:17.5%,US:66.4;EU:12.8;APAC:13.9;EM:5.2;Other:1.7,Value:+0.1;Growth:+0.1;Quality:-0.6;Size:-0.6;Momentum:-0.0;LowVol:+0.7,MaxPos6%;NoDerivatives,5,35,5.4,trailing 9%,198,27.9,Bull,16.5,3.79,2.3,89,64,67,43,false,Rebalance,Shift +1% to bonds from equity,31,11,BrokerB,VWAP,100,None,None,Normal monitoring,66,-13,123,5,false,Monitor dispersion and breadth
P8648,Systematic,Trust,USD,2025-02-18,1270591,75758,1194833,1.0,57.5,32.7,0.0,9.8,MSFT:12.8%;TSLA:17.3%;IEF:23.3%;VTI:23.2%;BND:23.3%,US:63.8;EU:12.8;APAC:8.1;EM:11.4;Other:3.8,Value:+0.6;Growth:-0.5;Quality:-0.2;Size:-0.3;Momentum:-0.9;LowVol:+0.6,,7,30,5.2,trailing 8%,216,22.2,Volatile,30.7,4.29,4.2,123,48,70,72,true,Hedge,Buy index puts 1% notional,-8,-14,BrokerA,MKT,97,Drift>tolerance,Reduce,Allocation drift beyond policy bands,110,2,219,4,false,Tax-aware sells next window
P8649,Cautious,Trust,USD,2025-06-13,252228,36864,215364,1.0,41.8,30.7,14.9,12.7,BND:25.3%;VOO:14.4%;GLD:9.8%;BRK.B:25.3%;MSFT:25.3%,US:68.8;EU:8.4;APAC:13.0;EM:9.6;Other:0.1,Value:-0.9;Growth:+0.3;Quality:-0.6;Size:-0.9;Momentum:-0.7;LowVol:+0.5,NoMargin,8,25,3.2,trailing 10%,164,16.0,Volatile,27.9,4.78,3.5,168,-18,26,57,false,Hedge,Add TLT +1% as duration hedge,11,-4,BrokerB,LMT,99,None,None,Normal monitoring,16,17,61,3,false,Increase defensive factor exposure
P8650,Active,Trust,USD,2025-12-12,1196578,97623,1098955,1.0,59.5,30.7,2.1,7.8,BRK.B:16.5%;BND:20.0%;XLF:24.3%;AAPL:24.3%;TSLA:14.9%,US:71.0;EU:9.1;APAC:12.4;EM:6.3;Other:1.2,Value:-0.1;Growth:-1.0;Quality:-0.4;Size:+0.6;Momentum:-0.5;LowVol:+0.3,,7,35,5.4,trailing 9%,200,16.3,Volatile,29.4,3.72,3.3,137,-54,38,76,true,Hedge,Buy index puts 1% notional,7,6,BrokerC,MKT,86,VAR>budget,Reduce,Risk above budget threshold,91,-46,190,4,false,Increase defensive factor exposure
P8651,Hands-off,Taxable,USD,2025-10-13,877414,38401,839013,1.0,63.3,26.9,4.7,5.1,TSLA:33.3%;MSFT:33.3%;TLT:33.3%,US:60.9;EU:16.3;APAC:12.9;EM:9.9;Other:0.0,Value:0.0;Growth:+0.4;Quality:-0.6;Size:-0.1;Momentum:-0.3;LowVol:-0.6,,6,30,4.0,trailing 8%,161,14.6,Sideways,17.5,3.52,2.7,105,-8,55,61,true,Rebalance,Rebalance back to target bands,11,-8,BrokerC,MKT,96,RegimeShift,Reduce,Volatility spike and breadth deterioration,45,17,104,3,false,Tax-aware sells next window
P8652,Hands-off,IRA,USD,2025-05-09,883788,66339,817449,1.0,69.3,16.0,5.0,9.8,GLD:23.4%;QQQ:23.4%;AAPL:23.4%;VNQ:17.9%;MUB:11.8%,US:59.9;EU:11.1;APAC:14.5;EM:9.9;Other:4.7,Value:+1.0;Growth:-0.9;Quality:-0.8;Size:+0.9;Momentum:-0.2;LowVol:-0.9,ESGOnly;MaxPos5%,7,25,4.3,trailing 8%,125,13.7,Bull,17.6,4.55,2.0,105,11,59,60,false,Hedge,Add TLT +1% as duration hedge,-11,14,BrokerB,VWAP,94,None,None,Normal monitoring,5,4,1,4,false,Within IPS guidelines
P8653,Opportunistic,Trust,USD,2024-08-13,445084,17751,427333,1.0,72.3,19.9,0.0,7.8,QQQ:36.6%;AMZN:26.8%;VTI:36.6%,US:68.6;EU:11.8;APAC:12.4;EM:5.3;Other:1.8,Value:+1.0;Growth:-0.5;Quality:0.0;Size:-0.9;Momentum:+0.1;LowVol:-0.1,MaxPos5%,8,30,4.9,trailing 7%,256,29.6,Bear,26.0,4.23,2.9,146,-28,22,73,true,Hedge,Buy index puts 1% notional,16,-1,BrokerB,MKT,98,VAR>budget,Reduce,Risk above budget threshold,36,-54,129,3,false,Increase defensive factor exposure
P8654,Active,Roth,USD,2025-08-27,2212719,185924,2026795,1.0,58.6,26.4,7.6,7.4,VNQ:13.3%;GLD:24.3%;AAPL:24.3%;AMZN:24.3%;BND:13.7%,US:61.8;EU:9.2;APAC:12.6;EM:14.5;Other:1.9,Value:+0.4;Growth:+0.6;Quality:-0.1;Size:+0.5;Momentum:-0.5;LowVol:-0.9,MaxPos6%;NoDerivatives,7,35,5.9,hard 12%,173,21.8,Sideways,15.2,4.66,2.6,137,7,47,35,false,Sell,Trim extended winner -1%,2,-24,BrokerC,LMT,85,None,None,Normal monitoring,111,-5,133,4,false,Increase defensive factor exposure
P8655,Hands-off,Trust,USD,2024-10-22,322951,20430,302521,1.0,66.2,23.9,4.1,5.8,TLT:22.2%;BRK.B:13.9%;MUB:16.0%;IEF:24.6%;HYG:23.4%,US:63.7;EU:16.5;APAC:10.5;EM:4.8;Other:4.4,Value:-0.4;Growth:-0.7;Quality:+0.4;Size:+0.9;Momentum:-0.2;LowVol:+0.9,MaxPos8%;NoDerivatives,8,30,3.9,trailing 8%,144,13.5,Bear,23.9,3.67,2.4,133,-78,17,60,false,Buy,Add to core equity +1%,30,-16,BrokerB,VWAP,85,None,None,Normal monitoring,-17,-40,-55,3,false,Tighten stops on momentum names
P8656,Opportunistic,Trust,USD,2025-03-02,758191,54252,703939,1.16,70.6,12.2,12.1,5.0,GLD:20.5%;VTI:20.1%;HYG:16.5%;QQQ:10.5%;AAPL:17.9%;MUB:14.4%,US:74.5;EU:5.9;APAC:10.3;EM:6.6;Other:2.7,Value:-0.3;Growth:-0.1;Quality:+0.2;Size:-0.9;Momentum:-0.7;LowVol:-0.7,MaxPos5%;NoDerivatives,6,35,4.4,trailing 7%,211,31.0,Bull,13.5,3.5,2.8,117,31,69,46,false,Buy,Add to core equity +1%,-12,14,BrokerD,VWAP,89,None,None,Normal monitoring,-52,-6,-67,4,false,Monitor dispersion and breadth
P8657,Hands-off,Roth,USD,2025-04-04,784767,67748,717019,1.0,58.9,15.2,16.9,8.9,TSLA:7.4%;VNQ:17.1%;QQQ:20.7%;MUB:19.8%;AMZN:18.8%;HYG:16.2%,US:63.8;EU:16.5;APAC:10.6;EM:4.5;Other:4.6,Value:+1.0;Growth:+0.7;Quality:-0.0;Size:+0.1;Momentum:+0.6;LowVol:+1.0,ESGOnly,10,30,3.9,trailing 8%,166,17.5,Volatile,25.1,5.01,3.3,123,59,71,65,false,Hedge,Add TLT +1% as duration hedge,28,-34,BrokerD,MKT,86,None,None,Normal monitoring,-22,15,9,4,false,Increase defensive factor exposure
P8658,Active,Trust,USD,2025-07-11,1949503,143667,1805836,1.0,59.8,30.3,1.6,8.3,GLD:9.6%;XLF:16.5%;BND:24.6%;QQQ:24.6%;AAPL:24.6%,US:74.1;EU:5.2;APAC:7.9;EM:8.4;Other:4.4,Value:-0.1;Growth:+0.2;Quality:+0.7;Size:+0.7;Momentum:-0.8;LowVol:+0.8,,10,35,5.9,hard 12%,200,17.6,Bull,12.6,4.46,3.1,92,42,73,37,false,NoAction,Within bands; monitor,18,-20,BrokerB,VWAP,85,None,None,Normal monitoring,111,8,75,3,false,Monitor dispersion and breadth
P8659,Active,Trust,USD,2025-10-21,648553,45470,603083,1.0,51.8,26.4,16.8,5.0,XLF:28.3%;GLD:15.1%;AAPL:28.3%;BRK.B:28.3%,US:65.9;EU:11.3;APAC:12.2;EM:6.2;Other:4.4,Value:+0.3;Growth:+0.1;Quality:-0.2;Size:-0.8;Momentum:+0.9;LowVol:+0.2,NoDerivatives,7,25,4.9,hard 12%,128,27.6,Volatile,23.8,4.42,3.6,148,5,41,61,false,Buy,Add to core equity +1%,6,-1,BrokerA,MKT,97,None,None,Normal monitoring,60,-36,63,5,false,Increase defensive factor exposure
P8660,Hands-off,Trust,USD,2024-09-18,621997,39792,582205,1.0,64.1,28.1,0.0,7.8,MUB:24.6%;VTI:24.6%;AMZN:24.6%;VNQ:15.1%;AAPL:11.0%,US:64.4;EU:19.9;APAC:5.9;EM:6.6;Other:3.3,Value:-0.2;Growth:0.0;Quality:+1.0;Size:-0.5;Momentum:-0.2;LowVol:-0.2,MaxPos8%,5,35,3.3,trailing 8%,150,16.3,Bull,11.2,4.47,3.1,88,85,86,45,false,Buy,Add to core equity +1%,34,-2,BrokerC,MKT,96,None,None,Normal monitoring,99,-27,66,4,false,Within IPS guidelines
P8661,Hands-off,Roth,USD,2025-08-03,282989,16735,266254,1.0,65.8,19.2,6.0,9.0,BRK.B:17.4%;VNQ:15.6%;AMZN:22.3%;IEF:22.3%;TSLA:22.3%,US:59.1;EU:6.1;APAC:16.2;EM:14.0;Other:4.6,Value:+0.4;Growth:-0.5;Quality:+0.9;Size:+0.2;Momentum:+0.8;LowVol:+0.6,MaxPos7%;NoDerivatives,10,30,5.5,trailing 10%,102,17.1,Volatile,27.7,3.68,3.1,155,34,66,78,true,Hedge,Buy index puts 1% notional,-4,-17,BrokerD,LMT,95,VAR>budget,Reduce,Risk above budget threshold,-49,-21,77,3,false,Tax-aware sells next window
P8662,Cautious,IRA,USD,2024-12-20,417698,36720,380978,1.0,38.5,31.3,15.4,14.7,MSFT:17.6%;AMZN:21.7%;BND:17.2%;XLF:21.7%;VTI:21.7%,US:69.2;EU:7.1;APAC:9.6;EM:11.1;Other:3.0,Value:+0.8;Growth:+0.3;Quality:-0.7;Size:-0.9;Momentum:+0.6;LowVol:+0.7,ESGOnly;MaxPos7%;NoDerivatives;NoMargin,5,30,5.8,trailing 8%,155,19.7,Bull,13.9,3.78,2.3,115,19,46,27,false,Sell,Trim extended winner -1%,8,-13,BrokerD,MKT,85,None,None,Normal monitoring,-17,0,-16,4,false,Within IPS guidelines
P8663,Active,IRA,USD,2025-04-20,1940712,220437,1720275,1.17,62.6,29.0,1.6,6.8,BRK.B:27.4%;XLF:23.5%;AMZN:27.4%;HYG:21.7%,US:66.1;EU:16.2;APAC:12.8;EM:4.1;Other:0.7,Value:+0.8;Growth:+0.7;Quality:+0.3;Size:-0.4;Momentum:-0.6;LowVol:+0.1,NoDerivatives,8,25,4.5,hard 12%,171,19.5,Volatile,26.3,4.96,2.2,170,61,84,77,true,Reduce,"Cut high-beta by 2-3%, add cash",16,-38,BrokerB,LMT,91,VAR>budget,Hedge,Risk above budget threshold,23,7,128,3,false,Tax-aware sells next window
P8664,Systematic,Trust,USD,2025-03-10,900399,63413,836986,1.0,55.4,24.3,14.2,6.0,VTI:33.3%;XLF:33.3%;AAPL:33.3%,US:63.9;EU:15.8;APAC:11.7;EM:6.8;Other:1.9,Value:+0.4;Growth:+0.3;Quality:-0.4;Size:+0.4;Momentum:+0.1;LowVol:+0.1,,7,30,4.2,trailing 8%,184,24.3,Bear,31.7,3.47,1.0,204,-96,5,82,true,Rebalance,Rebalance back to target bands,13,-18,BrokerB,LMT,85,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,6,-54,-29,3,false,Increase defensive factor exposure
P8665,Cautious,Trust,USD,2025-02-24,672548,56219,616329,1.0,46.3,39.0,0.0,14.8,VTI:34.0%;TSLA:32.0%;GLD:34.0%,US:62.9;EU:19.6;APAC:8.0;EM:5.4;Other:4.1,Value:+0.6;Growth:-0.5;Quality:0.0;Size:+0.6;Momentum:-0.4;LowVol:+0.4,ESGOnly;NoMargin,6,30,4.5,trailing 10%,152,18.7,Sideways,18.5,3.75,2.4,125,48,67,48,false,NoAction,Within bands; monitor,10,10,BrokerB,LMT,96,None,None,Normal monitoring,86,14,204,4,false,Tighten stops on momentum names
P8666,Systematic,401k,USD,2024-08-20,1050901,83694,967207,1.0,60.1,28.5,4.9,6.5,MUB:11.6%;IEF:8.8%;QQQ:23.7%;GLD:16.8%;VOO:23.7%;VNQ:15.5%,US:61.3;EU:15.3;APAC:14.9;EM:3.4;Other:5.1,Value:+0.1;Growth:+0.5;Quality:+0.8;Size:-0.5;Momentum:-0.0;LowVol:+0.2,MaxPos5%,7,35,4.2,trailing 8%,204,20.5,Bear,29.6,4.33,1.4,135,39,75,70,true,Rebalance,Rebalance back to target bands,29,7,BrokerB,LMT,100,VAR>budget,Hedge,Risk above budget threshold,51,-44,100,3,false,Increase defensive factor exposure
P8667,Cautious,Taxable,USD,2025-12-15,385323,31988,353335,1.0,44.0,41.9,0.0,14.2,MUB:18.2%;VTI:20.9%;VOO:20.9%;TSLA:17.9%;IEF:15.4%;BND:6.6%,US:69.0;EU:15.8;APAC:7.7;EM:6.5;Other:1.0,Value:+1.0;Growth:0.0;Quality:-0.5;Size:-0.1;Momentum:+1.0;LowVol:+0.4,ESGOnly;MaxPos8%;NoMargin,5,35,5.6,trailing 8%,166,14.6,Volatile,31.8,4.68,2.6,157,-51,25,78,true,Hedge,Buy index puts 1% notional,25,-2,BrokerB,VWAP,85,VAR>budget,Reduce,Risk above budget threshold,101,2,105,3,true,Increase defensive factor exposure
P8668,Hands-off,401k,USD,2025-12-08,649448,32077,617371,1.0,68.8,23.1,0.0,8.1,BND:19.9%;AMZN:20.7%;AAPL:10.9%;QQQ:12.3%;MSFT:15.5%;TLT:20.7%,US:57.5;EU:18.2;APAC:12.7;EM:9.7;Other:1.9,Value:-0.4;Growth:+0.8;Quality:+0.8;Size:+0.3;Momentum:-0.2;LowVol:0.0,ESGOnly;MaxPos6%;NoDerivatives,7,25,5.5,hard 10%,144,19.8,Sideways,19.3,4.84,3.2,120,25,52,63,false,NoAction,Within bands; monitor,23,-30,BrokerC,LMT,91,None,None,Normal monitoring,75,-58,63,5,false,Tighten stops on momentum names
P8669,Active,Trust,USD,2024-08-18,2034021,243680,1790341,1.13,52.1,31.7,9.1,7.1,TLT:10.4%;VNQ:25.2%;TSLA:25.0%;BRK.B:25.2%;BND:14.3%,US:63.2;EU:20.1;APAC:11.0;EM:5.5;Other:0.2,Value:+0.7;Growth:-0.5;Quality:-0.0;Size:-0.1;Momentum:+0.1;LowVol:+0.5,,7,25,5.8,trailing 8%,138,24.6,Bull,15.1,4.98,3.4,116,109,91,40,false,Buy,Add to core equity +1%,1,-33,BrokerC,LMT,87,None,None,Normal monitoring,15,12,32,5,false,Tighten stops on momentum names
P8670,Hands-off,Trust,USD,2025-08-26,629659,42544,587115,1.0,58.4,28.1,4.3,9.1,VOO:33.3%;QQQ:33.3%;AMZN:33.3%,US:66.6;EU:15.1;APAC:6.4;EM:7.3;Other:4.5,Value:-0.7;Growth:-1.0;Quality:+0.7;Size:-0.2;Momentum:+0.8;LowVol:+0.5,NoDerivatives,8,25,4.1,hard 10%,159,18.7,Bull,16.1,4.42,2.6,95,63,66,52,false,Rebalance,Shift +1% to bonds from equity,19,8,BrokerB,MKT,91,None,None,Normal monitoring,58,8,76,4,false,Increase defensive factor exposure
P8671,Hands-off,Taxable,USD,2025-05-21,195226,14397,180829,1.0,61.6,21.2,7.6,9.6,MSFT:12.1%;VNQ:17.3%;TSLA:20.4%;TLT:18.4%;MUB:18.0%;VOO:13.8%,US:69.2;EU:9.9;APAC:12.4;EM:6.1;Other:2.4,Value:+1.0;Growth:-0.4;Quality:+0.8;Size:+0.1;Momentum:+0.2;LowVol:-0.7,NoDerivatives,8,25,3.5,trailing 8%,131,18.1,Volatile,22.0,4.04,2.4,122,65,83,70,false,Hedge,Add TLT +1% as duration hedge,-15,3,BrokerC,MKT,97,None,None,Normal monitoring,-24,-1,69,3,false,Tax-aware sells next window
P8672,Hands-off,Roth,USD,2024-07-19,656075,32534,623541,1.0,56.7,19.5,15.6,8.2,BRK.B:25.1%;TSLA:25.1%;VTI:25.1%;QQQ:15.0%;AMZN:9.8%,US:71.2;EU:7.0;APAC:5.5;EM:11.3;Other:5.0,Value:-0.4;Growth:+0.2;Quality:+1.0;Size:-0.8;Momentum:+1.0;LowVol:+0.2,ESGOnly,10,30,5.6,trailing 8%,159,18.6,Volatile,22.6,4.81,3.0,146,73,72,49,false,Hedge,Add TLT +1% as duration hedge,19,13,BrokerB,LMT,86,None,None,Normal monitoring,83,9,87,4,false,Monitor dispersion and breadth
P8673,Cautious,Trust,USD,2024-10-06,416596,35936,380660,1.0,37.7,31.3,17.4,13.6,MUB:22.9%;HYG:25.7%;BRK.B:25.7%;VOO:25.7%,US:64.3;EU:19.3;APAC:7.0;EM:6.5;Other:2.9,Value:+0.5;Growth:+0.3;Quality:+0.4;Size:+0.3;Momentum:0.0;LowVol:-0.9,NoMargin,6,25,5.9,trailing 8%,139,12.6,Sideways,15.6,4.22,3.2,139,26,52,42,false,NoAction,Within bands; monitor,34,14,BrokerB,LMT,96,None,None,Normal monitoring,31,-59,81,5,false,Monitor dispersion and breadth
P8674,Hands-off,401k,USD,2024-12-11,749526,50403,699123,1.0,62.3,22.1,9.9,5.7,VTI:22.4%;QQQ:12.0%;AAPL:16.4%;MUB:14.6%;TLT:12.1%;MSFT:22.4%,US:66.1;EU:16.4;APAC:10.4;EM:7.1;Other:0.1,Value:-0.4;Growth:+0.8;Quality:-0.2;Size:-0.1;Momentum:+0.4;LowVol:-0.7,ESGOnly;MaxPos6%,10,35,3.3,trailing 10%,148,17.7,Bull,13.0,4.43,2.5,118,2,62,37,false,Rebalance,Shift +1% to bonds from equity,21,-17,BrokerB,LMT,90,None,None,Normal monitoring,63,-9,86,3,false,Increase defensive factor exposure
P8675,Cautious,IRA,USD,2025-06-01,359070,30207,328863,1.0,44.9,38.5,0.0,16.6,AMZN:33.3%;IEF:33.3%;HYG:33.3%,US:68.7;EU:12.1;APAC:10.4;EM:8.7;Other:0.1,Value:-0.0;Growth:-0.3;Quality:-0.7;Size:+0.7;Momentum:-0.5;LowVol:+0.1,MaxPos7%;NoDerivatives;NoMargin,6,35,5.3,hard 10%,154,12.4,Sideways,14.3,4.27,3.4,140,4,38,33,false,Buy,Add to core equity +1%,23,7,BrokerD,LMT,88,None,None,Normal monitoring,-59,-58,-30,4,false,Tax-aware sells next window
P8676,Hands-off,Taxable,USD,2024-09-17,363621,33463,330158,1.0,56.5,29.4,5.3,8.9,IEF:15.3%;QQQ:28.2%;AAPL:28.2%;MUB:28.2%,US:69.5;EU:12.4;APAC:6.5;EM:7.4;Other:4.2,Value:+0.8;Growth:-0.9;Quality:+0.8;Size:+0.5;Momentum:-0.6;LowVol:+0.1,MaxPos8%;NoDerivatives,7,35,3.4,trailing 10%,160,12.7,Bull,14.5,3.98,2.4,70,109,100,33,true,Hedge,Buy index puts 1% notional,20,-27,BrokerB,MKT,95,VAR>budget,Reduce,Risk above budget threshold,95,-33,107,3,false,Tax-aware sells next window
P8677,Systematic,Roth,USD,2025-07-27,941446,57049,884397,1.0,57.5,25.6,8.9,8.1,TLT:21.2%;QQQ:15.7%;MUB:24.3%;HYG:14.6%;MSFT:24.3%,US:66.5;EU:16.0;APAC:9.9;EM:5.7;Other:1.9,Value:-0.9;Growth:+0.3;Quality:+0.9;Size:0.0;Momentum:-0.4;LowVol:-0.9,,8,30,4.6,trailing 8%,225,18.8,Volatile,21.0,3.6,2.8,177,54,76,56,false,Rebalance,Shift +1% to bonds from equity,34,12,BrokerC,LMT,96,None,None,Normal monitoring,-39,-16,-8,4,false,Increase defensive factor exposure
P8678,Systematic,Roth,USD,2025-12-04,1068482,98874,969608,1.0,58.9,30.8,1.3,8.9,VNQ:22.4%;HYG:17.1%;VOO:22.4%;MUB:15.5%;BND:22.4%,US:69.5;EU:14.2;APAC:10.8;EM:3.7;Other:1.9,Value:-0.1;Growth:+0.3;Quality:+1.0;Size:-0.6;Momentum:-0.5;LowVol:0.0,,6,30,5.1,trailing 8%,227,19.2,Bull,14.7,4.17,3.3,88,89,79,44,false,Sell,Trim extended winner -1%,-12,-20,BrokerB,LMT,91,None,None,Normal monitoring,21,-31,5,4,false,Monitor dispersion and breadth
P8679,Cautious,Taxable,USD,2025-05-14,278696,40302,238394,1.0,54.4,30.6,3.1,11.9,MUB:22.6%;BND:11.0%;TLT:24.0%;BRK.B:18.5%;IEF:24.0%,US:75.2;EU:13.6;APAC:5.9;EM:4.0;Other:1.3,Value:+0.7;Growth:+0.3;Quality:+1.0;Size:+0.6;Momentum:+0.8;LowVol:+0.1,ESGOnly;MaxPos6%;NoMargin,5,25,3.6,hard 10%,99,13.5,Sideways,19.9,4.28,2.3,104,59,89,58,false,NoAction,Within bands; monitor,30,1,BrokerB,VWAP,94,None,None,Normal monitoring,-23,11,60,4,false,Increase defensive factor exposure
P8680,Active,IRA,USD,2025-10-09,566079,64341,501738,1.0,52.4,30.2,8.5,8.9,AMZN:18.5%;IEF:22.3%;MUB:16.5%;BND:22.3%;MSFT:20.4%,US:63.9;EU:18.5;APAC:7.1;EM:7.1;Other:3.4,Value:+0.9;Growth:+0.6;Quality:+0.4;Size:+0.3;Momentum:0.0;LowVol:-0.5,,8,25,4.1,trailing 8%,229,17.3,Bull,16.1,3.75,2.8,93,20,52,50,true,Hedge,Buy index puts 1% notional,30,-16,BrokerD,VWAP,87,RegimeShift,TightenStops,Volatility spike and breadth deterioration,-12,-5,29,3,false,Tax-aware sells next window
P8681,Opportunistic,Roth,USD,2025-08-02,983254,63143,920111,1.0,71.6,20.3,0.0,8.1,XLF:20.8%;VNQ:10.0%;MSFT:15.2%;BRK.B:20.8%;HYG:20.8%;VTI:12.3%,US:65.5;EU:16.5;APAC:8.2;EM:7.3;Other:2.4,Value:-0.1;Growth:+0.4;Quality:-0.8;Size:-0.4;Momentum:-0.9;LowVol:+0.6,MaxPos7%,8,25,6.7,trailing 7%,195,24.9,Volatile,31.7,4.42,4.2,130,-45,38,77,true,Hedge,Buy index puts 1% notional,33,-21,BrokerA,MKT,95,VAR>budget,Reduce,Risk above budget threshold,47,9,144,3,false,Within IPS guidelines
P8682,Hands-off,Roth,USD,2025-12-13,853390,60848,792542,1.0,59.7,15.8,16.1,8.5,AAPL:33.3%;MSFT:33.3%;VNQ:33.3%,US:62.6;EU:17.1;APAC:8.1;EM:6.5;Other:5.8,Value:-0.4;Growth:+0.2;Quality:-0.0;Size:+0.2;Momentum:+1.0;LowVol:-1.0,ESGOnly;NoDerivatives,7,30,3.0,trailing 8%,140,19.9,Bull,14.3,4.42,2.6,101,11,63,48,false,NoAction,Within bands; monitor,20,-13,BrokerB,MKT,0,None,None,Normal monitoring,-18,-9,51,4,false,Tax-aware sells next window
P8683,Hands-off,401k,USD,2025-04-11,672177,46350,625827,1.0,71.4,16.5,6.6,5.4,IEF:33.3%;VOO:33.3%;TSLA:33.3%,US:65.9;EU:16.1;APAC:7.2;EM:7.6;Other:3.3,Value:-0.2;Growth:+0.7;Quality:-0.4;Size:-0.8;Momentum:+0.7;LowVol:+0.4,ESGOnly;NoDerivatives,10,25,5.4,trailing 10%,109,19.7,Volatile,29.1,4.05,3.7,171,69,73,79,true,Reduce,"Cut high-beta by 2-3%, add cash",1,-22,BrokerC,VWAP,89,Drift>tolerance,Hedge,Allocation drift beyond policy bands,54,-7,60,4,false,Monitor dispersion and breadth
P8684,Active,Taxable,USD,2025-09-08,862815,100944,761871,1.0,66.5,20.6,5.1,7.8,BRK.B:21.6%;MUB:15.6%;MSFT:21.6%;QQQ:21.6%;IEF:19.6%,US:73.4;EU:6.9;APAC:8.0;EM:9.6;Other:2.1,Value:-0.5;Growth:+0.8;Quality:+0.8;Size:+0.1;Momentum:+0.6;LowVol:-0.8,MaxPos6%;NoDerivatives,5,30,5.3,trailing 8%,124,19.6,Volatile,29.7,4.02,4.0,177,46,60,81,true,Reduce,"Cut high-beta by 2-3%, add cash",32,-29,BrokerC,MKT,86,VAR>budget,Hedge,Risk above budget threshold,61,-47,165,4,false,Monitor dispersion and breadth
P8685,Hands-off,Roth,USD,2025-07-24,677296,44524,632772,1.0,66.1,25.6,0.0,8.3,HYG:24.1%;AAPL:16.1%;VTI:24.1%;MUB:14.0%;BRK.B:21.5%,US:67.7;EU:7.7;APAC:14.8;EM:8.3;Other:1.4,Value:-0.9;Growth:-1.0;Quality:-1.0;Size:+0.4;Momentum:-0.2;LowVol:+0.6,MaxPos5%;NoDerivatives,8,25,4.8,hard 10%,96,17.9,Bull,14.7,4.9,2.6,102,75,95,41,false,Rebalance,Shift +1% to bonds from equity,22,-10,BrokerD,VWAP,98,None,None,Normal monitoring,7,-42,72,3,false,Within IPS guidelines
P8686,Cautious,Roth,USD,2025-07-18,765631,121619,644012,1.0,43.6,32.8,7.9,15.7,TSLA:15.6%;AAPL:22.1%;QQQ:10.0%;BND:10.7%;VTI:22.1%;VOO:19.4%,US:59.6;EU:19.6;APAC:9.7;EM:5.7;Other:5.4,Value:+0.6;Growth:+0.9;Quality:-0.6;Size:+0.7;Momentum:-1.0;LowVol:-0.0,ESGOnly;NoDerivatives;NoMargin,10,25,5.5,trailing 10%,116,14.0,Bull,13.3,4.63,3.3,94,119,100,31,true,Reduce,"Cut high-beta by 2-3%, add cash",24,-26,BrokerD,MKT,93,RegimeShift,Pause,Volatility spike and breadth deterioration,63,-33,97,4,false,Monitor dispersion and breadth
P8687,Active,Taxable,USD,2025-10-20,2109414,146084,1963330,1.0,61.8,29.7,0.0,8.5,QQQ:35.5%;GLD:28.9%;AMZN:35.5%,US:58.9;EU:20.9;APAC:11.5;EM:7.7;Other:1.0,Value:+0.1;Growth:+0.5;Quality:-0.2;Size:-0.5;Momentum:-0.9;LowVol:-0.7,MaxPos6%,7,35,4.1,trailing 8%,121,18.0,Volatile,26.9,4.8,2.9,119,-8,55,68,false,Rebalance,Shift +1% to bonds from equity,0,-33,BrokerA,LMT,99,None,None,Normal monitoring,84,-17,198,3,false,Monitor dispersion and breadth
P8688,Cautious,IRA,USD,2025-07-13,434073,52727,381346,1.0,52.9,34.8,1.1,11.3,VOO:25.0%;QQQ:25.0%;XLF:25.0%;GLD:25.0%,US:62.0;EU:15.4;APAC:12.9;EM:9.2;Other:0.6,Value:+0.7;Growth:+0.4;Quality:-0.6;Size:+0.9;Momentum:-0.9;LowVol:+0.3,MaxPos5%;NoMargin,5,25,3.3,trailing 10%,156,18.5,Bull,11.3,4.39,3.5,71,55,90,36,false,Sell,Trim extended winner -1%,-1,-12,BrokerC,LMT,96,None,None,Normal monitoring,-42,15,84,5,false,Tighten stops on momentum names
P8689,Active,Roth,USD,2025-03-25,1055319,116132,939187,1.13,54.5,29.3,8.9,7.2,VTI:26.1%;VOO:26.1%;AMZN:13.7%;BRK.B:12.8%;GLD:21.2%,US:70.0;EU:14.6;APAC:11.7;EM:3.3;Other:0.4,Value:+0.9;Growth:-0.6;Quality:+0.7;Size:-0.8;Momentum:+0.5;LowVol:+0.7,MaxPos8%;NoDerivatives,8,35,5.6,trailing 9%,208,22.9,Volatile,23.4,4.91,3.1,141,60,81,64,true,Reduce,"Cut high-beta by 2-3%, add cash",-11,-40,BrokerD,MKT,92,RegimeShift,TightenStops,Volatility spike and breadth deterioration,87,-21,124,3,false,Tighten stops on momentum names
P8690,Hands-off,IRA,USD,2025-02-08,515735,48023,467712,1.0,74.8,19.7,0.0,5.6,XLF:25.0%;MUB:25.0%;VOO:25.0%;AAPL:25.0%,US:56.5;EU:17.2;APAC:14.1;EM:8.5;Other:3.7,Value:+0.9;Growth:-0.8;Quality:-0.6;Size:+0.6;Momentum:+0.8;LowVol:-0.5,ESGOnly;MaxPos8%;NoDerivatives,8,35,5.6,trailing 8%,99,16.1,Bull,17.2,4.24,2.6,81,34,77,58,false,Sell,Trim extended winner -1%,-6,-39,BrokerD,VWAP,99,None,None,Normal monitoring,-14,-43,85,3,false,Tax-aware sells next window
P8691,Active,Trust,USD,2025-09-27,1240769,146390,1094379,1.0,50.9,24.4,17.3,7.4,MUB:32.5%;MSFT:33.7%;BND:33.7%,US:68.3;EU:10.6;APAC:8.8;EM:7.9;Other:4.5,Value:+0.3;Growth:-0.6;Quality:-0.5;Size:-0.7;Momentum:-0.0;LowVol:+0.6,MaxPos7%;NoDerivatives,6,30,4.4,trailing 8%,177,21.1,Volatile,27.9,3.72,3.1,174,-20,55,59,false,Sell,Trim extended winner -1%,30,-6,BrokerB,MKT,90,None,None,Normal monitoring,115,-19,136,5,false,Tighten stops on momentum names
P8692,Cautious,IRA,USD,2025-07-21,782932,78321,704611,1.0,43.6,33.8,7.4,15.2,XLF:21.2%;BRK.B:9.8%;MUB:17.9%;TLT:18.1%;GLD:11.8%;VTI:21.2%,US:68.8;EU:11.9;APAC:8.2;EM:7.3;Other:3.8,Value:+0.9;Growth:+0.8;Quality:-0.9;Size:-0.2;Momentum:-0.4;LowVol:+0.7,MaxPos5%;NoMargin,5,35,3.6,trailing 8%,161,14.6,Bear,27.6,3.7,1.1,155,-54,35,55,false,Sell,Trim extended winner -1%,17,15,BrokerB,MKT,89,None,None,Normal monitoring,48,-1,70,3,false,Within IPS guidelines
P8693,Active,Roth,USD,2024-07-05,842402,57380,785022,1.0,52.2,23.8,14.1,9.9,VNQ:21.7%;VTI:13.2%;VOO:21.7%;TSLA:21.7%;BND:21.7%,US:68.4;EU:16.8;APAC:9.2;EM:5.4;Other:0.2,Value:-0.3;Growth:-0.9;Quality:+0.7;Size:+0.7;Momentum:+0.8;LowVol:-0.7,NoDerivatives,10,25,4.2,trailing 9%,223,27.6,Bull,17.9,4.08,2.2,87,54,81,42,false,Rebalance,Shift +1% to bonds from equity,7,-6,BrokerD,MKT,91,None,None,Normal monitoring,-2,-5,134,4,false,Tax-aware sells next window
P8694,Hands-off,Trust,USD,2024-07-07,571676,28022,543654,1.0,67.0,26.2,0.0,6.8,BRK.B:16.8%;MSFT:21.3%;VTI:21.3%;IEF:12.6%;VOO:9.9%;QQQ:18.2%,US:62.7;EU:18.5;APAC:10.7;EM:7.1;Other:0.9,Value:0.0;Growth:0.0;Quality:-0.4;Size:-0.5;Momentum:+0.6;LowVol:-0.7,NoDerivatives,8,30,3.9,trailing 8%,140,17.4,Bear,33.8,3.9,1.6,217,-97,5,89,true,Hedge,Buy index puts 1% notional,29,-18,BrokerB,MKT,100,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,97,-17,236,5,false,Monitor dispersion and breadth
P8695,Systematic,Roth,USD,2024-11-02,501083,45365,455718,1.0,59.3,24.2,9.0,7.5,BRK.B:21.4%;TSLA:26.2%;XLF:26.2%;QQQ:26.2%,US:68.3;EU:16.1;APAC:7.1;EM:8.4;Other:0.0,Value:+0.5;Growth:-0.7;Quality:+0.5;Size:+0.3;Momentum:+0.7;LowVol:-0.8,,8,25,5.6,trailing 8%,152,22.6,Bear,33.9,3.36,1.2,199,-89,5,73,true,Hedge,Buy index puts 1% notional,8,15,BrokerB,LMT,100,Drift>tolerance,Pause,Allocation drift beyond policy bands,-15,-34,-1,3,false,Increase defensive factor exposure
P8696,Opportunistic,Taxable,USD,2025-11-13,1175531,88783,1086748,1.0,66.0,20.5,6.3,7.2,BRK.B:33.3%;GLD:33.3%;MUB:33.3%,US:66.2;EU:12.0;APAC:11.8;EM:6.7;Other:3.2,Value:-0.9;Growth:-0.4;Quality:+0.8;Size:+0.1;Momentum:+0.8;LowVol:-0.3,NoDerivatives,10,35,6.4,hard 12%,160,30.6,Bear,26.1,4.19,2.8,168,-56,31,70,true,Reduce,"Cut high-beta by 2-3%, add cash",7,-16,BrokerA,LMT,92,RegimeShift,Hedge,Volatility spike and breadth deterioration,34,-46,100,2,false,Tighten stops on momentum names
P8697,Opportunistic,IRA,USD,2025-09-06,897014,42343,854671,1.0,72.0,15.8,7.3,5.0,XLF:29.4%;HYG:25.4%;BRK.B:29.4%;MUB:15.8%,US:65.4;EU:9.5;APAC:9.8;EM:10.7;Other:4.6,Value:+0.9;Growth:-0.8;Quality:-0.9;Size:-0.8;Momentum:-0.9;LowVol:-0.3,,5,30,5.8,trailing 9%,222,30.0,Volatile,27.7,4.97,3.3,152,-22,52,74,true,Rebalance,Rebalance back to target bands,27,-23,BrokerD,MKT,98,RegimeShift,Reduce,Volatility spike and breadth deterioration,-47,-16,34,4,false,Tighten stops on momentum names
P8698,Opportunistic,Taxable,USD,2024-10-16,1114156,67223,1046933,1.0,72.9,18.5,0.0,8.7,XLF:24.4%;GLD:24.4%;BND:24.4%;QQQ:16.5%;VOO:10.2%,US:59.1;EU:14.7;APAC:9.5;EM:11.6;Other:5.2,Value:-0.1;Growth:-0.2;Quality:-0.1;Size:-0.8;Momentum:+0.9;LowVol:-0.1,MaxPos8%;NoDerivatives,8,25,6.4,trailing 7%,169,30.3,Volatile,30.3,4.13,4.2,177,26,67,94,true,Reduce,"Cut high-beta by 2-3%, add cash",31,7,BrokerB,VWAP,92,VAR>budget,TightenStops,Risk above budget threshold,-5,11,-37,5,false,Within IPS guidelines
P8699,Hands-off,Trust,USD,2024-12-25,477198,41997,435201,1.0,60.6,15.0,18.3,6.1,XLF:33.3%;IEF:33.3%;MSFT:33.3%,US:63.3;EU:12.6;APAC:9.1;EM:10.6;Other:4.4,Value:+0.6;Growth:+0.9;Quality:+0.2;Size:+0.6;Momentum:-0.9;LowVol:+0.9,MaxPos6%,8,25,3.2,hard 10%,122,18.8,Volatile,20.1,5.48,3.3,117,38,68,50,false,Buy,Add to core equity +1%,4,6,BrokerB,MKT,94,None,None,Normal monitoring,-4,19,-43,3,false,Tighten stops on momentum names
P8700,Hands-off,401k,USD,2025-10-08,330495,18591,311904,1.0,63.6,19.9,9.1,7.3,VTI:22.4%;IEF:18.6%;AMZN:22.4%;GLD:17.0%;HYG:9.3%;MUB:10.4%,US:63.4;EU:17.5;APAC:10.8;EM:3.6;Other:4.7,Value:-0.1;Growth:+0.1;Quality:-0.7;Size:+1.0;Momentum:+0.3;LowVol:0.0,MaxPos5%,6,35,5.2,trailing 8%,101,18.8,Sideways,14.6,4.93,2.2,98,50,71,50,false,Buy,Add to core equity +1%,10,-34,BrokerD,MKT,97,None,None,Normal monitoring,-53,8,51,5,false,Within IPS guidelines
P8701,Systematic,401k,USD,2025-08-12,1079771,83011,996760,1.0,59.2,31.0,0.2,9.6,HYG:36.9%;VOO:26.2%;QQQ:36.9%,US:74.7;EU:12.2;APAC:6.5;EM:6.0;Other:0.6,Value:+1.0;Growth:+0.2;Quality:+0.2;Size:-0.5;Momentum:-0.2;LowVol:+0.8,MaxPos6%;NoDerivatives,7,25,4.3,hard 12%,175,25.3,Bull,16.6,4.38,2.5,119,96,89,50,false,Buy,Add to core equity +1%,27,6,BrokerC,LMT,98,None,None,Normal monitoring,75,5,210,4,false,Monitor dispersion and breadth
P8702,Systematic,Trust,USD,2024-08-07,779111,44736,734375,1.0,64.3,21.8,5.4,8.5,BRK.B:28.0%;HYG:20.0%;AAPL:24.0%;MSFT:28.0%,US:71.8;EU:11.4;APAC:9.1;EM:7.2;Other:0.5,Value:-0.9;Growth:-0.9;Quality:-0.2;Size:+1.0;Momentum:-0.9;LowVol:+1.0,,5,35,4.3,hard 12%,147,19.7,Bull,17.1,4.97,2.8,92,97,100,43,true,Hedge,Buy index puts 1% notional,-8,-9,BrokerA,VWAP,88,RegimeShift,Hedge,Volatility spike and breadth deterioration,-58,5,-97,5,false,Monitor dispersion and breadth
P8703,Opportunistic,Roth,USD,2024-07-09,1519769,59658,1460111,1.0,71.9,15.4,3.8,8.9,XLF:12.2%;VNQ:20.5%;IEF:15.5%;QQQ:10.7%;GLD:20.5%;TSLA:20.5%,US:73.1;EU:15.8;APAC:6.6;EM:4.3;Other:0.2,Value:-0.3;Growth:-0.4;Quality:+0.6;Size:+0.7;Momentum:-0.6;LowVol:+0.6,,7,35,5.9,trailing 9%,226,28.7,Volatile,23.7,4.96,2.6,161,-13,30,64,false,Rebalance,Shift +1% to bonds from equity,-12,14,BrokerD,LMT,86,None,None,Normal monitoring,99,-9,92,5,false,Increase defensive factor exposure
P8704,Hands-off,Roth,USD,2025-06-20,443243,36922,406321,1.0,64.5,21.9,7.0,6.7,VTI:34.2%;BRK.B:34.2%;HYG:31.7%,US:63.7;EU:18.9;APAC:8.4;EM:4.4;Other:4.5,Value:+0.9;Growth:+0.1;Quality:-0.2;Size:+0.6;Momentum:-1.0;LowVol:+1.0,ESGOnly,8,25,3.0,trailing 8%,151,15.0,Bull,11.4,3.94,3.0,84,1,44,43,false,Rebalance,Shift +1% to bonds from equity,4,15,BrokerB,VWAP,92,None,None,Normal monitoring,-1,-28,71,5,false,Monitor dispersion and breadth
P8705,Active,Trust,USD,2025-06-19,2340285,161479,2178806,1.0,62.5,30.6,0.0,6.9,GLD:21.1%;BRK.B:18.6%;VTI:21.1%;AMZN:15.9%;TSLA:9.9%;IEF:13.4%,US:62.3;EU:14.0;APAC:15.1;EM:5.3;Other:3.2,Value:+0.2;Growth:+0.6;Quality:+0.3;Size:0.0;Momentum:+0.5;LowVol:+1.0,,6,30,4.0,trailing 8%,148,20.9,Bear,22.8,4.3,2.7,140,-33,22,60,false,Sell,Trim extended winner -1%,13,4,BrokerA,LMT,85,None,None,Normal monitoring,-33,-43,-53,3,false,Tighten stops on momentum names
P8706,Cautious,401k,USD,2025-10-24,558848,55182,503666,1.0,44.2,34.5,10.2,11.2,VOO:25.8%;VTI:25.8%;MUB:20.4%;IEF:13.1%;BND:15.0%,US:65.9;EU:13.2;APAC:7.9;EM:12.1;Other:1.0,Value:-0.6;Growth:-0.5;Quality:-0.4;Size:-0.6;Momentum:+0.3;LowVol:+1.0,MaxPos8%;NoMargin,7,25,4.6,trailing 10%,110,19.9,Bull,13.2,3.62,2.9,105,60,66,41,false,Sell,Trim extended winner -1%,26,-9,BrokerC,LMT,95,None,None,Normal monitoring,120,-18,220,5,false,Within IPS guidelines
P8707,Systematic,Trust,USD,2025-07-30,504302,31680,472622,1.0,58.5,23.1,13.2,5.2,MSFT:19.0%;MUB:27.0%;VNQ:27.0%;HYG:27.0%,US:71.8;EU:7.1;APAC:11.8;EM:5.1;Other:4.3,Value:-0.6;Growth:-0.5;Quality:-0.8;Size:-1.0;Momentum:+0.6;LowVol:+0.2,,6,25,4.5,trailing 8%,130,23.1,Volatile,24.2,5.18,2.8,113,-54,14,73,true,Hedge,Buy index puts 1% notional,-10,-7,BrokerD,VWAP,100,RegimeShift,Hedge,Volatility spike and breadth deterioration,61,-36,44,2,false,Within IPS guidelines
P8708,Systematic,Roth,USD,2024-07-06,1603233,67597,1535636,1.0,65.0,21.4,7.9,5.6,IEF:14.3%;XLF:18.5%;AAPL:19.4%;MUB:17.0%;VOO:19.7%;TLT:11.1%,US:63.5;EU:19.0;APAC:9.1;EM:6.8;Other:1.7,Value:+0.3;Growth:-0.7;Quality:-0.9;Size:+0.9;Momentum:-0.3;LowVol:+0.7,NoDerivatives,10,25,5.5,trailing 8%,177,21.8,Bear,33.6,3.82,2.3,149,29,51,76,true,Hedge,Buy index puts 1% notional,-9,-10,BrokerC,LMT,85,VAR>budget,Reduce,Risk above budget threshold,28,13,98,3,false,Monitor dispersion and breadth
P8709,Opportunistic,IRA,USD,2025-08-13,1333599,80435,1253164,1.0,70.1,21.2,3.9,4.8,MUB:23.2%;AMZN:20.0%;HYG:11.8%;TSLA:21.8%;QQQ:23.2%,US:64.8;EU:14.0;APAC:8.1;EM:9.9;Other:3.1,Value:-0.9;Growth:-0.7;Quality:+0.8;Size:+0.9;Momentum:-0.9;LowVol:-0.6,,8,35,6.1,trailing 9%,185,24.6,Bear,33.2,3.12,2.4,174,3,47,84,true,Hedge,Buy index puts 1% notional,-10,-6,BrokerD,LMT,85,Drift>tolerance,Hedge,Allocation drift beyond policy bands,50,-57,158,3,false,Within IPS guidelines
P8710,Cautious,Roth,USD,2025-03-28,632304,55639,576665,1.0,52.3,36.9,0.0,10.8,TSLA:24.5%;AMZN:24.5%;BND:9.6%;TLT:16.9%;MUB:24.5%,US:71.6;EU:5.6;APAC:11.7;EM:9.3;Other:1.8,Value:-0.7;Growth:0.0;Quality:-0.6;Size:0.0;Momentum:+0.7;LowVol:+0.2,ESGOnly;MaxPos8%;NoMargin,8,35,4.8,trailing 8%,151,13.3,Bull,16.8,3.56,2.8,72,97,100,37,false,Sell,Trim extended winner -1%,10,-38,BrokerC,MKT,97,None,None,Normal monitoring,-26,-54,68,3,false,Within IPS guidelines
P8711,Active,Roth,USD,2025-07-24,1441606,131898,1309708,1.23,61.8,29.3,0.0,9.0,IEF:35.8%;QQQ:35.8%;HYG:28.4%,US:67.7;EU:16.0;APAC:5.6;EM:8.8;Other:1.8,Value:-0.1;Growth:-0.1;Quality:-0.4;Size:+0.1;Momentum:-0.1;LowVol:+0.6,MaxPos6%;NoDerivatives,5,35,6.0,trailing 8%,138,28.0,Sideways,20.4,3.82,3.4,113,0,53,50,true,Rebalance,Rebalance back to target bands,-10,13,BrokerD,LMT,91,RegimeShift,Reduce,Volatility spike and breadth deterioration,4,-36,-1,3,false,Tax-aware sells next window
P8712,Cautious,Trust,USD,2024-07-11,289268,34763,254505,1.0,50.5,34.7,2.8,11.9,VNQ:28.4%;HYG:28.4%;AMZN:14.9%;TSLA:28.4%,US:55.6;EU:18.0;APAC:11.5;EM:11.1;Other:3.8,Value:+0.2;Growth:+0.6;Quality:-0.3;Size:-0.9;Momentum:+0.8;LowVol:-0.3,ESGOnly;MaxPos6%;NoMargin,8,35,4.9,trailing 8%,143,14.8,Sideways,20.6,4.66,3.3,130,40,82,48,false,Sell,Trim extended winner -1%,-7,-1,BrokerD,VWAP,93,None,None,Normal monitoring,-58,-10,-60,5,false,Within IPS guidelines
P8713,Opportunistic,Taxable,USD,2025-12-25,1128926,58937,1069989,1.0,66.3,15.6,11.4,6.8,AAPL:34.8%;VNQ:30.5%;BRK.B:34.8%,US:60.3;EU:7.1;APAC:13.1;EM:13.8;Other:5.6,Value:-0.3;Growth:-0.9;Quality:-0.5;Size:-1.0;Momentum:+0.8;LowVol:+0.1,NoDerivatives,10,25,5.8,hard 12%,264,24.7,Bull,14.5,4.05,2.7,111,38,76,58,false,Rebalance,Shift +1% to bonds from equity,-3,-28,BrokerC,LMT,91,None,None,Normal monitoring,64,-7,73,5,false,Increase defensive factor exposure
P8714,Systematic,Roth,USD,2025-02-11,880997,85668,795329,1.0,56.1,27.4,7.7,8.8,VTI:30.5%;TLT:34.8%;MUB:34.8%,US:69.6;EU:14.6;APAC:9.8;EM:5.3;Other:0.8,Value:+0.5;Growth:-1.0;Quality:-0.7;Size:+0.6;Momentum:+0.6;LowVol:-0.4,,10,35,5.7,trailing 8%,171,22.7,Volatile,21.7,4.33,3.5,134,17,61,67,false,Sell,Trim extended winner -1%,-5,-15,BrokerC,VWAP,85,None,None,Normal monitoring,89,-39,88,5,false,Within IPS guidelines
P8715,Hands-off,Taxable,USD,2025-04-14,503332,27694,475638,1.0,72.2,16.5,4.3,7.0,MUB:8.3%;XLF:20.7%;VOO:18.8%;BRK.B:10.8%;IEF:20.7%;MSFT:20.7%,US:63.0;EU:14.5;APAC:8.3;EM:9.5;Other:4.8,Value:-0.9;Growth:-1.0;Quality:+0.9;Size:-0.4;Momentum:+0.6;LowVol:+0.8,ESGOnly;MaxPos6%;NoDerivatives,5,30,5.4,trailing 8%,158,15.7,Bear,28.4,3.21,2.0,208,-53,17,70,false,Buy,Add to core equity +1%,-4,-14,BrokerA,MKT,99,None,None,Normal monitoring,10,-2,48,4,false,Tax-aware sells next window
P8716,Active,IRA,USD,2025-06-28,2053361,152852,1900509,1.0,64.0,26.8,0.0,9.2,AAPL:22.2%;BRK.B:11.7%;TLT:19.6%;VTI:23.2%;MSFT:23.2%,US:69.4;EU:16.0;APAC:8.1;EM:6.2;Other:0.3,Value:+0.3;Growth:+0.2;Quality:+0.9;Size:-0.2;Momentum:+0.1;LowVol:+0.4,MaxPos8%;NoDerivatives,7,35,4.5,trailing 8%,196,19.4,Sideways,21.6,4.16,3.2,117,17,69,65,true,Rebalance,Rebalance back to target bands,0,3,BrokerB,LMT,97,Drift>tolerance,Reduce,Allocation drift beyond policy bands,47,14,186,3,false,Increase defensive factor exposure
P8717,Active,Roth,USD,2025-04-23,1267411,145645,1121766,1.0,54.8,21.6,15.1,8.5,HYG:20.3%;AMZN:18.2%;AAPL:20.3%;GLD:9.1%;VTI:19.6%;VOO:12.4%,US:77.8;EU:6.9;APAC:9.2;EM:3.8;Other:2.2,Value:-0.3;Growth:-0.8;Quality:-0.9;Size:+0.1;Momentum:+0.6;LowVol:-0.2,MaxPos8%,8,35,4.4,trailing 8%,213,23.8,Bull,12.2,4.77,3.2,100,86,81,44,false,Sell,Trim extended winner -1%,16,-15,BrokerD,LMT,97,None,None,Normal monitoring,-59,-34,45,3,false,Tax-aware sells next window
P8718,Hands-off,Trust,USD,2025-01-27,156080,14757,141323,1.0,65.5,19.4,5.2,9.9,TLT:22.8%;BND:12.2%;BRK.B:22.8%;MSFT:22.8%;HYG:19.5%,US:67.1;EU:15.3;APAC:7.4;EM:7.5;Other:2.6,Value:-0.9;Growth:+0.7;Quality:-0.8;Size:-0.7;Momentum:-0.5;LowVol:-0.8,ESGOnly;MaxPos8%,10,35,4.9,trailing 8%,102,17.0,Bull,13.4,3.66,3.1,107,23,47,47,false,Rebalance,Shift +1% to bonds from equity,-6,-22,BrokerC,MKT,91,None,None,Normal monitoring,28,-37,5,5,false,Increase defensive factor exposure
P8719,Systematic,Trust,USD,2024-11-14,1496324,103844,1392480,1.0,66.4,23.4,3.6,6.6,BRK.B:33.3%;AAPL:33.3%;AMZN:33.3%,US:66.2;EU:15.9;APAC:11.8;EM:3.4;Other:2.6,Value:+0.7;Growth:+0.4;Quality:+0.3;Size:-0.8;Momentum:-0.2;LowVol:-0.0,,8,25,4.6,hard 12%,140,24.0,Volatile,25.5,4.5,2.6,110,-8,39,61,false,Rebalance,Shift +1% to bonds from equity,32,-36,BrokerB,MKT,89,None,None,Normal monitoring,55,-49,22,4,false,Tax-aware sells next window
P8720,Opportunistic,Roth,USD,2025-05-05,1066760,86195,980565,1.0,69.9,15.2,10.5,4.4,HYG:34.3%;MSFT:34.3%;VNQ:31.4%,US:64.0;EU:9.1;APAC:10.9;EM:11.4;Other:4.7,Value:+0.9;Growth:-0.6;Quality:+0.8;Size:+0.3;Momentum:-0.5;LowVol:-0.4,,8,30,5.7,trailing 9%,275,29.8,Bull,16.8,4.0,3.5,109,97,100,48,true,Reduce,"Cut high-beta by 2-3%, add cash",27,5,BrokerA,LMT,100,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-4,-24,132,2,false,Within IPS guidelines
P8721,Cautious,Taxable,USD,2025-04-07,341481,43495,297986,1.0,44.6,41.7,0.0,13.7,BRK.B:33.3%;GLD:33.3%;HYG:33.3%,US:57.3;EU:17.8;APAC:13.4;EM:8.2;Other:3.3,Value:+0.9;Growth:-0.9;Quality:+0.1;Size:-0.0;Momentum:+0.8;LowVol:-0.9,ESGOnly;NoMargin,7,30,3.4,trailing 10%,115,19.5,Sideways,20.9,3.56,3.1,139,39,77,46,false,NoAction,Within bands; monitor,-10,-19,BrokerC,LMT,86,None,None,Normal monitoring,1,-37,34,3,false,Tax-aware sells next window
P8722,Active,Roth,USD,2025-04-10,1708989,176309,1532680,1.0,60.2,26.3,7.9,5.6,BND:21.8%;TLT:21.8%;QQQ:11.8%;MSFT:16.2%;TSLA:6.7%;XLF:21.6%,US:67.5;EU:13.5;APAC:5.7;EM:9.2;Other:4.1,Value:-0.8;Growth:-0.7;Quality:-0.9;Size:-0.9;Momentum:-0.8;LowVol:+0.6,MaxPos8%,7,35,4.3,trailing 9%,194,18.0,Sideways,17.0,4.16,2.7,90,23,52,44,false,NoAction,Within bands; monitor,33,7,BrokerC,LMT,91,None,None,Normal monitoring,-18,-6,46,4,false,Within IPS guidelines
P8723,Cautious,Trust,USD,2025-03-30,746862,94496,652366,1.0,44.6,38.9,0.0,16.5,HYG:14.7%;IEF:8.3%;QQQ:22.6%;MSFT:9.2%;VNQ:22.6%;BRK.B:22.6%,US:71.8;EU:8.2;APAC:13.4;EM:5.9;Other:0.6,Value:+0.6;Growth:+0.8;Quality:-0.1;Size:+0.9;Momentum:+0.6;LowVol:+0.5,ESGOnly;MaxPos5%;NoDerivatives;NoMargin,8,30,5.8,hard 10%,100,14.9,Volatile,20.8,4.65,4.3,128,56,75,44,false,Sell,Trim extended winner -1%,-7,7,BrokerD,LMT,97,None,None,Normal monitoring,1,-5,103,3,false,Monitor dispersion and breadth
P8724,Opportunistic,Trust,USD,2025-06-07,1742775,91154,1651621,1.0,61.9,10.3,19.7,8.1,VOO:33.3%;IEF:33.3%;TSLA:33.3%,US:56.1;EU:16.4;APAC:10.6;EM:12.0;Other:4.9,Value:-0.7;Growth:+0.2;Quality:-0.5;Size:+0.3;Momentum:-0.3;LowVol:0.0,,8,30,5.8,trailing 9%,203,26.1,Bear,24.2,3.08,1.9,200,-79,14,66,false,Rebalance,Shift +1% to bonds from equity,-13,14,BrokerB,VWAP,97,None,None,Normal monitoring,81,-58,49,5,false,Tax-aware sells next window
P8725,Hands-off,Taxable,USD,2024-10-02,261283,16154,245129,1.0,65.6,28.9,0.0,5.5,GLD:33.3%;TSLA:33.3%;AMZN:33.3%,US:61.9;EU:12.3;APAC:12.1;EM:10.5;Other:3.1,Value:-0.8;Growth:-0.2;Quality:-0.5;Size:+0.2;Momentum:-0.8;LowVol:-0.3,MaxPos6%,5,30,3.7,trailing 8%,100,17.8,Bull,14.5,3.6,2.9,82,45,76,48,false,Rebalance,Shift +1% to bonds from equity,6,-16,BrokerC,MKT,91,None,None,Normal monitoring,-59,-40,43,4,false,Tighten stops on momentum names
P8726,Active,IRA,USD,2024-12-06,2448932,181023,2267909,1.0,62.4,27.2,4.0,6.3,VTI:23.4%;VNQ:23.4%;TLT:8.3%;QQQ:21.5%;TSLA:23.4%,US:60.7;EU:17.1;APAC:12.1;EM:7.2;Other:2.9,Value:+0.9;Growth:+1.0;Quality:+1.0;Size:-0.7;Momentum:+0.6;LowVol:+0.3,MaxPos8%,5,25,5.2,trailing 8%,198,23.0,Volatile,26.1,3.63,4.4,153,18,45,60,false,Rebalance,Shift +1% to bonds from equity,-14,-22,BrokerC,MKT,95,None,None,Normal monitoring,103,8,96,5,false,Tax-aware sells next window
P8727,Hands-off,Trust,USD,2024-08-18,584524,51756,532768,1.0,71.6,21.4,0.0,7.0,BND:21.2%;MSFT:20.7%;BRK.B:7.4%;HYG:13.1%;AAPL:16.5%;AMZN:21.2%,US:62.2;EU:9.7;APAC:12.9;EM:10.7;Other:4.6,Value:-0.8;Growth:+0.3;Quality:+0.8;Size:+0.5;Momentum:+0.1;LowVol:+0.6,MaxPos5%;NoDerivatives,5,35,4.1,hard 10%,108,19.7,Volatile,31.5,4.19,4.0,131,-47,12,94,true,Rebalance,Rebalance back to target bands,19,-28,BrokerB,MKT,99,RegimeShift,Reduce,Volatility spike and breadth deterioration,61,-45,170,4,false,Tighten stops on momentum names
P8728,Hands-off,IRA,USD,2024-07-17,845841,46670,799171,1.0,55.8,16.7,22.2,5.3,XLF:17.3%;AMZN:12.1%;GLD:24.1%;MSFT:24.1%;BRK.B:22.5%,US:69.5;EU:6.5;APAC:10.9;EM:11.7;Other:1.4,Value:+0.2;Growth:-0.7;Quality:-0.1;Size:+0.3;Momentum:-0.6;LowVol:-0.9,ESGOnly,6,35,4.6,hard 10%,141,13.9,Bear,29.1,4.33,2.4,157,-58,34,69,false,Sell,Trim extended winner -1%,24,4,BrokerA,LMT,97,None,None,Normal monitoring,-18,-26,-25,4,false,Monitor dispersion and breadth
P8729,Hands-off,IRA,USD,2025-02-27,271824,16045,255779,1.0,62.9,23.2,5.1,8.7,MUB:34.1%;XLF:34.1%;TSLA:31.8%,US:70.9;EU:9.2;APAC:10.2;EM:7.7;Other:1.9,Value:+0.1;Growth:+0.3;Quality:-0.6;Size:-0.0;Momentum:-0.8;LowVol:+0.4,ESGOnly,8,25,4.1,hard 10%,148,13.4,Bull,15.4,4.92,2.7,73,96,89,40,false,Buy,Add to core equity +1%,13,-24,BrokerD,LMT,89,None,None,Normal monitoring,39,-45,6,5,false,Tax-aware sells next window
P8730,Hands-off,Taxable,USD,2024-09-10,622660,37640,585020,1.0,59.2,27.1,7.1,6.5,TLT:25.0%;VTI:25.0%;MUB:25.0%;XLF:25.0%,US:72.5;EU:5.2;APAC:13.9;EM:4.0;Other:4.5,Value:-0.6;Growth:+0.3;Quality:-0.8;Size:+0.9;Momentum:+0.8;LowVol:+0.9,,7,35,5.8,trailing 8%,127,12.5,Bull,14.7,3.59,2.2,105,4,66,40,false,Rebalance,Shift +1% to bonds from equity,-15,1,BrokerA,VWAP,87,None,None,Normal monitoring,88,-27,187,3,false,Tighten stops on momentum names
P8731,Systematic,Roth,USD,2024-07-11,463899,40601,423298,1.0,62.1,28.7,0.0,9.2,AAPL:27.1%;TLT:26.6%;MUB:19.2%;BRK.B:27.1%,US:76.5;EU:6.8;APAC:10.0;EM:3.6;Other:3.1,Value:+0.3;Growth:-0.3;Quality:+1.0;Size:-0.4;Momentum:-0.5;LowVol:+0.5,NoDerivatives,6,30,4.5,trailing 8%,207,17.5,Bull,14.8,3.63,2.2,100,52,72,46,false,NoAction,Within bands; monitor,9,-19,BrokerC,MKT,0,None,None,Normal monitoring,-6,-26,-6,3,false,Within IPS guidelines
P8732,Cautious,IRA,USD,2025-10-03,836477,94925,741552,1.0,38.8,44.2,4.2,12.8,AMZN:33.3%;BRK.B:33.3%;IEF:33.3%,US:63.8;EU:9.5;APAC:13.8;EM:9.4;Other:3.4,Value:+0.1;Growth:-0.7;Quality:-0.5;Size:+0.5;Momentum:+0.7;LowVol:-0.7,ESGOnly;MaxPos6%;NoDerivatives;NoMargin,6,25,4.8,trailing 8%,129,15.8,Volatile,27.4,4.83,3.1,150,29,62,54,false,Buy,Add to core equity +1%,-4,-7,BrokerD,LMT,94,None,None,Normal monitoring,-42,-54,89,4,false,Increase defensive factor exposure
P8733,Systematic,Roth,USD,2024-09-12,1184742,109843,1074899,1.0,69.8,23.3,1.3,5.6,HYG:23.3%;VNQ:20.2%;XLF:17.4%;IEF:15.9%;MUB:23.3%,US:73.6;EU:5.4;APAC:15.9;EM:3.5;Other:1.7,Value:-0.0;Growth:-0.9;Quality:-0.0;Size:-0.4;Momentum:-0.2;LowVol:-0.6,,6,30,4.8,hard 12%,141,19.6,Volatile,22.1,3.53,3.1,148,-45,19,61,false,Rebalance,Shift +1% to bonds from equity,0,-36,BrokerD,MKT,93,None,None,Normal monitoring,22,-50,5,3,false,Increase defensive factor exposure
P8734,Cautious,IRA,USD,2024-08-16,324308,30818,293490,1.0,49.6,34.6,0.0,15.8,XLF:18.6%;VTI:22.4%;AMZN:16.0%;VNQ:22.4%;BRK.B:20.6%,US:58.7;EU:15.0;APAC:12.7;EM:10.0;Other:3.6,Value:+0.9;Growth:-0.8;Quality:-0.4;Size:+0.3;Momentum:-0.8;LowVol:-1.0,ESGOnly;NoMargin,6,25,4.2,hard 10%,130,19.6,Bull,13.8,4.85,3.1,98,39,61,45,false,Sell,Trim extended winner -1%,19,-35,BrokerD,MKT,99,None,None,Normal monitoring,-10,-26,-27,5,false,Tighten stops on momentum names
P8735,Hands-off,Roth,USD,2025-05-04,397304,19142,378162,1.0,65.0,29.2,0.0,5.8,TSLA:13.4%;VOO:11.2%;BRK.B:21.5%;MUB:21.8%;BND:21.8%;VNQ:10.3%,US:54.7;EU:17.0;APAC:14.2;EM:9.0;Other:5.1,Value:-0.5;Growth:+0.3;Quality:+0.3;Size:-0.2;Momentum:-0.2;LowVol:+0.1,,7,25,4.6,hard 10%,105,17.4,Sideways,14.6,3.68,2.2,114,47,70,48,true,Reduce,"Cut high-beta by 2-3%, add cash",-14,-25,BrokerB,LMT,91,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-9,7,80,5,false,Increase defensive factor exposure
P8736,Hands-off,Roth,USD,2024-11-01,719167,29209,689958,1.0,63.9,16.1,11.8,8.2,BND:11.7%;AMZN:10.2%;TLT:26.0%;VTI:26.0%;GLD:26.0%,US:62.4;EU:16.0;APAC:10.7;EM:7.3;Other:3.6,Value:-0.8;Growth:+0.9;Quality:+0.5;Size:+0.6;Momentum:+0.3;LowVol:-0.2,,6,25,5.5,hard 10%,138,12.1,Volatile,27.2,5.03,3.7,128,47,78,82,true,Reduce,"Cut high-beta by 2-3%, add cash",24,10,BrokerA,VWAP,97,Drift>tolerance,Hedge,Allocation drift beyond policy bands,67,-25,177,4,false,Within IPS guidelines
P8737,Opportunistic,401k,USD,2025-05-23,1138065,86577,1051488,1.08,62.6,20.0,9.8,7.6,VTI:25.0%;MSFT:25.0%;TLT:25.0%;HYG:25.0%,US:72.0;EU:13.5;APAC:6.1;EM:3.5;Other:5.0,Value:-0.1;Growth:-0.9;Quality:+0.5;Size:-0.3;Momentum:+0.9;LowVol:+0.7,MaxPos7%,10,30,5.6,hard 12%,191,27.4,Sideways,15.1,3.57,3.1,92,-5,38,43,false,Hedge,Add TLT +1% as duration hedge,15,-5,BrokerA,VWAP,97,None,None,Normal monitoring,47,-33,44,3,false,Within IPS guidelines
P8738,Hands-off,401k,USD,2024-11-25,341859,28499,313360,1.0,56.2,20.1,15.6,8.1,QQQ:38.1%;TSLA:23.8%;MSFT:38.1%,US:74.4;EU:7.6;APAC:12.7;EM:4.4;Other:0.9,Value:-0.3;Growth:+0.5;Quality:+0.6;Size:+0.2;Momentum:+0.1;LowVol:-0.4,ESGOnly,8,35,3.7,hard 10%,120,19.7,Bull,11.1,3.55,3.3,101,115,100,41,false,Rebalance,Shift +1% to bonds from equity,14,-32,BrokerD,MKT,100,None,None,Normal monitoring,114,-13,103,3,false,Monitor dispersion and breadth
P8739,Hands-off,Roth,USD,2025-12-25,259682,18069,241613,1.0,58.1,22.4,11.9,7.6,VNQ:33.3%;VTI:33.3%;BRK.B:33.3%,US:62.4;EU:16.7;APAC:8.8;EM:9.0;Other:3.1,Value:-0.4;Growth:+0.1;Quality:+0.4;Size:-0.9;Momentum:-0.7;LowVol:+0.6,ESGOnly;MaxPos7%,7,25,4.9,hard 10%,99,14.4,Bear,29.8,3.04,2.0,181,-74,5,66,false,Hedge,Add TLT +1% as duration hedge,34,-34,BrokerB,MKT,99,None,None,Normal monitoring,68,-2,70,3,false,Within IPS guidelines
P8740,Cautious,Roth,USD,2024-08-09,180673,19996,160677,1.0,35.5,32.8,17.0,14.8,TSLA:9.7%;HYG:21.9%;BRK.B:14.1%;MUB:21.9%;QQQ:15.4%;IEF:16.9%,US:68.5;EU:13.8;APAC:4.8;EM:9.7;Other:3.2,Value:-0.1;Growth:+0.9;Quality:+0.9;Size:-0.2;Momentum:-0.9;LowVol:+0.5,NoMargin,10,35,5.0,trailing 10%,121,13.1,Bull,12.9,4.64,2.2,103,1,43,23,true,Reduce,"Cut high-beta by 2-3%, add cash",18,-29,BrokerA,MKT,90,VAR>budget,Hedge,Risk above budget threshold,105,-19,150,3,true,Monitor dispersion and breadth
P8741,Cautious,401k,USD,2025-05-12,604599,77696,526903,1.0,45.4,37.6,0.2,16.8,AMZN:33.3%;MUB:33.3%;VOO:33.3%,US:65.4;EU:12.3;APAC:7.4;EM:10.2;Other:4.7,Value:-0.1;Growth:+0.7;Quality:+0.4;Size:+0.4;Momentum:-0.9;LowVol:-0.7,ESGOnly;NoMargin,10,35,4.4,trailing 8%,111,12.0,Bull,11.5,4.96,2.7,71,117,100,29,false,Hedge,Add TLT +1% as duration hedge,1,-22,BrokerD,MKT,97,None,None,Normal monitoring,67,7,67,3,false,Within IPS guidelines
P8742,Cautious,Taxable,USD,2025-11-08,237041,36569,200472,1.0,39.2,30.5,12.8,17.5,GLD:25.0%;MUB:25.0%;BND:25.0%;VNQ:25.0%,US:69.6;EU:11.6;APAC:10.0;EM:7.2;Other:1.6,Value:-0.7;Growth:+0.9;Quality:-0.9;Size:+0.3;Momentum:-0.4;LowVol:-0.4,ESGOnly;NoMargin,10,35,3.0,trailing 8%,97,16.0,Sideways,21.4,4.17,3.4,139,-14,45,41,false,Sell,Trim extended winner -1%,30,-27,BrokerD,MKT,91,None,None,Normal monitoring,6,0,134,3,false,Tighten stops on momentum names
P8743,Cautious,IRA,USD,2025-05-04,513360,72525,440835,1.0,48.7,37.9,0.0,13.3,GLD:27.5%;AAPL:36.2%;BRK.B:36.2%,US:76.6;EU:5.8;APAC:11.1;EM:4.3;Other:2.3,Value:+0.2;Growth:-0.3;Quality:+0.3;Size:-1.0;Momentum:-0.6;LowVol:+0.9,ESGOnly;MaxPos8%;NoDerivatives;NoMargin,10,35,3.1,trailing 10%,145,13.5,Volatile,22.7,4.68,3.0,122,13,43,50,false,NoAction,Within bands; monitor,33,-10,BrokerC,LMT,92,None,None,Normal monitoring,120,-26,238,4,false,Monitor dispersion and breadth
P8744,Hands-off,Taxable,USD,2025-09-16,218109,14438,203671,1.0,66.0,24.6,3.7,5.6,MUB:22.7%;AMZN:22.7%;GLD:22.7%;VOO:10.4%;MSFT:21.4%,US:68.3;EU:6.4;APAC:16.9;EM:8.0;Other:0.4,Value:-0.4;Growth:+0.3;Quality:0.0;Size:+0.5;Momentum:+0.5;LowVol:-0.2,ESGOnly,6,35,5.8,hard 10%,125,13.7,Volatile,26.7,4.96,3.4,124,62,80,82,true,Hedge,Buy index puts 1% notional,26,-20,BrokerA,VWAP,99,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-9,-47,91,2,false,Monitor dispersion and breadth
P8745,Systematic,Trust,USD,2025-03-31,1042828,78840,963988,1.0,62.6,32.4,0.0,5.0,TSLA:33.3%;GLD:33.3%;IEF:33.3%,US:65.5;EU:13.9;APAC:11.6;EM:4.8;Other:4.2,Value:-0.6;Growth:-0.7;Quality:-0.8;Size:+0.5;Momentum:-0.5;LowVol:+0.4,NoDerivatives,8,35,5.6,trailing 9%,194,21.2,Volatile,28.8,5.32,2.9,117,14,46,71,true,Hedge,Buy index puts 1% notional,20,-17,BrokerC,MKT,98,VAR>budget,TightenStops,Risk above budget threshold,53,-34,36,4,false,Increase defensive factor exposure
P8746,Opportunistic,Taxable,USD,2024-10-02,1798337,104659,1693678,1.0,71.3,11.2,11.9,5.6,BRK.B:24.4%;AMZN:14.3%;HYG:24.4%;TLT:24.4%;XLF:12.4%,US:67.1;EU:18.6;APAC:7.1;EM:3.9;Other:3.3,Value:+0.1;Growth:0.0;Quality:+1.0;Size:-0.3;Momentum:-0.4;LowVol:+0.7,,6,25,5.8,trailing 9%,186,32.7,Bear,31.4,4.42,2.2,184,21,53,87,true,Hedge,Buy index puts 1% notional,26,-3,BrokerD,LMT,98,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-28,-24,-68,3,false,Within IPS guidelines
P8747,Active,401k,USD,2024-09-12,1288580,149967,1138613,1.0,56.7,28.1,9.8,5.3,TLT:36.6%;BND:36.6%;MUB:26.8%,US:69.4;EU:9.9;APAC:5.2;EM:10.7;Other:4.8,Value:+0.1;Growth:+0.5;Quality:+0.5;Size:-0.6;Momentum:+0.3;LowVol:+0.5,,10,25,4.7,trailing 9%,144,24.6,Bear,26.6,3.65,1.5,140,-19,46,66,false,Buy,Add to core equity +1%,-13,-25,BrokerB,LMT,99,None,None,Normal monitoring,-48,-51,91,4,false,Increase defensive factor exposure
P8748,Hands-off,Trust,USD,2025-09-17,469554,44777,424777,1.0,58.7,15.6,16.4,9.3,BND:11.6%;MSFT:14.5%;AAPL:24.6%;AMZN:24.6%;BRK.B:24.6%,US:58.5;EU:19.7;APAC:9.3;EM:10.3;Other:2.1,Value:-0.2;Growth:+0.8;Quality:+0.3;Size:+0.8;Momentum:-0.3;LowVol:-0.5,ESGOnly;NoDerivatives,6,25,3.1,hard 10%,146,16.4,Bull,13.3,3.9,3.3,103,115,100,49,true,Hedge,Buy index puts 1% notional,30,-9,BrokerB,VWAP,88,VAR>budget,Hedge,Risk above budget threshold,55,-48,130,5,false,Increase defensive factor exposure
P8749,Systematic,Trust,USD,2025-02-01,893718,39549,854169,1.0,64.5,28.3,1.3,5.9,VNQ:16.1%;XLF:10.9%;MUB:7.8%;VOO:22.6%;QQQ:20.0%;BND:22.6%,US:73.4;EU:8.3;APAC:8.0;EM:5.4;Other:4.9,Value:-0.9;Growth:-0.4;Quality:-0.8;Size:-0.2;Momentum:-0.2;LowVol:-0.8,MaxPos7%,10,30,4.6,trailing 9%,150,27.9,Bull,14.6,4.19,2.3,119,107,98,44,true,Hedge,Buy index puts 1% notional,3,-20,BrokerB,LMT,91,VAR>budget,Reduce,Risk above budget threshold,105,-25,81,5,false,Tax-aware sells next window
P8750,Hands-off,Taxable,USD,2025-05-07,679489,58492,620997,1.0,65.7,18.8,6.9,8.5,AMZN:18.0%;BRK.B:20.6%;VNQ:15.5%;VTI:15.7%;TLT:14.2%;HYG:16.0%,US:66.4;EU:12.1;APAC:9.9;EM:8.0;Other:3.6,Value:+0.5;Growth:-0.0;Quality:+0.4;Size:+0.7;Momentum:-0.6;LowVol:-0.8,ESGOnly;NoDerivatives,6,30,3.8,trailing 8%,161,15.3,Bear,24.6,4.33,2.8,166,-98,5,74,true,Reduce,"Cut high-beta by 2-3%, add cash",-2,-10,BrokerD,MKT,88,Drift>tolerance,Hedge,Allocation drift beyond policy bands,28,-18,130,2,false,Tighten stops on momentum names
P8751,Systematic,Roth,USD,2024-11-18,974566,59478,915088,1.0,61.8,25.7,3.3,9.2,AMZN:16.2%;IEF:20.0%;QQQ:15.5%;XLF:18.2%;BND:19.0%;MSFT:11.1%,US:74.3;EU:7.9;APAC:10.5;EM:4.5;Other:2.8,Value:-0.8;Growth:-0.1;Quality:+0.2;Size:+0.6;Momentum:+0.6;LowVol:-0.1,,10,25,4.7,trailing 8%,121,21.6,Bull,12.0,4.79,3.2,101,103,93,34,false,Sell,Trim extended winner -1%,-10,-35,BrokerA,MKT,100,None,None,Normal monitoring,37,18,30,5,false,Tax-aware sells next window
P8752,Cautious,Taxable,USD,2024-08-29,199319,25180,174139,1.0,41.3,37.0,8.2,13.4,HYG:23.4%;AAPL:21.2%;BND:27.7%;MUB:27.7%,US:69.8;EU:9.6;APAC:11.8;EM:7.3;Other:1.3,Value:+0.4;Growth:-0.9;Quality:-0.7;Size:-0.0;Momentum:+0.5;LowVol:+0.7,ESGOnly;MaxPos5%;NoMargin,10,30,5.6,trailing 8%,133,12.9,Volatile,25.1,4.92,2.3,172,-56,37,64,false,Rebalance,Shift +1% to bonds from equity,-7,-1,BrokerD,LMT,91,None,None,Normal monitoring,45,-38,74,3,false,Within IPS guidelines
P8753,Hands-off,401k,USD,2024-11-05,841840,73023,768817,1.0,66.2,19.8,6.1,8.0,BND:33.3%;VOO:33.3%;GLD:33.3%,US:65.7;EU:10.2;APAC:11.1;EM:9.3;Other:3.7,Value:+0.2;Growth:-0.2;Quality:+0.5;Size:+0.7;Momentum:+0.5;LowVol:-0.2,ESGOnly;NoDerivatives,7,35,5.7,hard 10%,137,19.3,Volatile,21.1,5.01,2.5,179,35,64,69,false,Hedge,Add TLT +1% as duration hedge,20,-30,BrokerD,LMT,97,None,None,Normal monitoring,99,-56,103,5,false,Tighten stops on momentum names
P8754,Active,IRA,USD,2025-10-31,1381406,142579,1238827,1.0,56.3,24.0,11.1,8.7,MSFT:26.2%;TLT:26.2%;GLD:21.4%;MUB:26.2%,US:68.9;EU:8.9;APAC:8.3;EM:11.8;Other:2.0,Value:+0.6;Growth:+0.8;Quality:-0.3;Size:+0.2;Momentum:+0.8;LowVol:+1.0,MaxPos5%,10,30,4.3,trailing 9%,140,21.3,Bear,24.5,3.82,1.3,130,-111,5,63,false,NoAction,Within bands; monitor,-4,9,BrokerC,LMT,90,None,None,Normal monitoring,114,3,226,5,false,Increase defensive factor exposure
P8755,Hands-off,Taxable,USD,2025-02-09,853981,66691,787290,1.0,65.4,26.6,0.0,8.0,AMZN:21.9%;BRK.B:21.9%;VOO:19.1%;MUB:21.9%;TLT:15.2%,US:62.7;EU:13.9;APAC:12.0;EM:7.2;Other:4.2,Value:+0.1;Growth:+0.1;Quality:0.0;Size:-0.0;Momentum:-0.9;LowVol:-0.5,,8,30,3.8,hard 10%,107,13.4,Sideways,18.6,3.54,2.5,136,-1,64,55,false,Sell,Trim extended winner -1%,30,-23,BrokerD,LMT,96,None,None,Normal monitoring,-16,5,33,5,false,Within IPS guidelines
P8756,Opportunistic,IRA,USD,2024-09-18,1595121,56309,1538812,1.0,74.8,15.4,4.6,5.1,GLD:22.8%;TSLA:22.8%;AAPL:22.8%;AMZN:14.1%;QQQ:17.6%,US:77.2;EU:6.9;APAC:6.0;EM:7.6;Other:2.2,Value:-0.6;Growth:+0.7;Quality:+0.3;Size:-0.3;Momentum:+1.0;LowVol:+0.8,NoDerivatives,6,25,4.5,trailing 9%,224,33.0,Bull,13.9,4.74,2.7,72,27,57,42,false,NoAction,Within bands; monitor,31,-36,BrokerB,MKT,0,None,None,Normal monitoring,-18,8,110,5,false,Increase defensive factor exposure
P8757,Cautious,IRA,USD,2025-10-18,536907,54158,482749,1.0,51.1,34.4,1.6,12.9,VTI:33.3%;MUB:33.3%;GLD:33.3%,US:64.1;EU:15.9;APAC:7.7;EM:9.5;Other:2.9,Value:-0.4;Growth:-0.4;Quality:+0.8;Size:-0.7;Momentum:-0.2;LowVol:-1.0,NoMargin,8,35,5.3,trailing 8%,142,15.7,Bull,13.1,3.52,2.5,107,7,60,43,false,Rebalance,Shift +1% to bonds from equity,-6,11,BrokerD,MKT,86,None,None,Normal monitoring,60,-47,172,3,false,Monitor dispersion and breadth
P8758,Active,IRA,USD,2025-10-21,2429060,232224,2196836,1.24,60.2,29.9,1.8,8.1,VOO:26.4%;MUB:26.4%;GLD:20.8%;BRK.B:26.4%,US:67.1;EU:13.1;APAC:8.9;EM:9.5;Other:1.4,Value:+0.1;Growth:-0.8;Quality:-0.6;Size:0.0;Momentum:-0.2;LowVol:-0.6,MaxPos8%,7,30,4.1,hard 12%,155,27.1,Bear,29.7,3.39,2.0,180,30,77,65,true,Rebalance,Rebalance back to target bands,6,-33,BrokerB,LMT,89,VAR>budget,Reduce,Risk above budget threshold,-46,16,-9,4,false,Tax-aware sells next window
P8759,Systematic,IRA,USD,2025-06-14,1331964,76142,1255822,1.0,60.7,27.0,5.3,7.0,AMZN:14.6%;VTI:11.0%;AAPL:19.3%;BRK.B:14.9%;VOO:20.7%;TSLA:19.4%,US:69.1;EU:8.8;APAC:11.6;EM:7.6;Other:2.8,Value:-0.1;Growth:+0.5;Quality:+0.8;Size:-0.2;Momentum:-0.1;LowVol:+0.2,MaxPos8%;NoDerivatives,8,30,5.1,trailing 9%,167,21.5,Volatile,24.0,5.26,2.6,175,-14,38,62,false,Rebalance,Shift +1% to bonds from equity,7,-14,BrokerB,LMT,97,None,None,Normal monitoring,-30,9,70,5,false,Tax-aware sells next window
P8760,Opportunistic,401k,USD,2025-02-05,608602,26294,582308,1.07,60.6,20.7,14.5,4.2,XLF:20.5%;BRK.B:10.6%;VTI:20.1%;MSFT:20.5%;IEF:12.7%;VNQ:15.5%,US:64.9;EU:13.2;APAC:11.3;EM:7.1;Other:3.6,Value:-0.2;Growth:-0.4;Quality:-0.5;Size:-0.4;Momentum:-0.2;LowVol:+0.5,,6,35,6.5,trailing 9%,185,25.5,Volatile,23.5,4.99,3.8,125,22,67,72,true,Rebalance,Rebalance back to target bands,-12,11,BrokerC,LMT,99,VAR>budget,Hedge,Risk above budget threshold,51,-43,124,2,false,Increase defensive factor exposure
P8761,Opportunistic,401k,USD,2025-11-29,1043012,33464,1009548,1.0,65.3,14.1,12.6,8.0,BND:26.6%;VOO:26.6%;QQQ:20.3%;AMZN:26.6%,US:56.0;EU:16.1;APAC:14.7;EM:10.0;Other:3.3,Value:+0.3;Growth:+0.4;Quality:-0.2;Size:-0.5;Momentum:-0.9;LowVol:-0.5,NoDerivatives,8,30,5.7,trailing 7%,224,23.4,Volatile,20.6,3.99,2.7,137,30,74,68,false,Sell,Trim extended winner -1%,29,-25,BrokerB,MKT,98,None,None,Normal monitoring,37,-57,97,5,false,Monitor dispersion and breadth
P8762,Opportunistic,Roth,USD,2025-10-30,1320717,113945,1206772,1.0,60.5,18.2,16.2,5.1,TLT:24.9%;AMZN:25.0%;HYG:25.0%;MSFT:25.0%,US:70.3;EU:8.9;APAC:12.9;EM:4.1;Other:3.8,Value:+0.3;Growth:+0.5;Quality:+0.2;Size:-0.9;Momentum:+0.2;LowVol:-0.3,NoDerivatives,6,35,4.9,trailing 7%,254,23.0,Sideways,16.6,3.99,2.7,122,12,49,44,false,Sell,Trim extended winner -1%,6,-24,BrokerB,LMT,86,None,None,Normal monitoring,-52,16,-81,3,false,Within IPS guidelines
P8763,Opportunistic,Roth,USD,2025-01-21,1571282,138427,1432855,1.14,69.5,15.6,8.4,6.5,VOO:14.1%;AMZN:18.2%;TLT:22.1%;VTI:10.3%;MUB:22.1%;IEF:13.2%,US:62.9;EU:17.7;APAC:10.9;EM:7.0;Other:1.5,Value:+0.7;Growth:-0.8;Quality:+0.8;Size:+0.9;Momentum:-0.4;LowVol:-0.1,,8,35,5.0,hard 12%,269,33.9,Bear,24.0,3.39,2.6,219,37,64,74,true,Hedge,Buy index puts 1% notional,20,4,BrokerD,VWAP,85,VAR>budget,Pause,Risk above budget threshold,63,-12,200,2,false,Tighten stops on momentum names
P8764,Opportunistic,401k,USD,2025-11-30,775794,51604,724190,1.0,66.4,20.1,6.8,6.6,AAPL:30.1%;MUB:35.0%;QQQ:35.0%,US:67.6;EU:11.6;APAC:8.9;EM:11.1;Other:0.8,Value:-0.3;Growth:-0.2;Quality:-0.9;Size:-0.6;Momentum:+0.5;LowVol:+0.7,MaxPos7%,6,35,5.8,trailing 9%,183,22.1,Volatile,26.6,3.63,3.5,153,14,66,78,true,Rebalance,Rebalance back to target bands,5,13,BrokerB,MKT,87,RegimeShift,Hedge,Volatility spike and breadth deterioration,-16,-4,-28,2,false,Monitor dispersion and breadth
P8765,Cautious,Trust,USD,2025-12-13,842871,97396,745475,1.0,43.4,41.3,0.0,15.4,MSFT:17.8%;HYG:13.0%;XLF:21.9%;TSLA:23.7%;QQQ:23.7%,US:64.6;EU:10.6;APAC:8.0;EM:13.6;Other:3.1,Value:-0.1;Growth:+0.5;Quality:+0.6;Size:+1.0;Momentum:+1.0;LowVol:+0.6,NoMargin,5,35,4.7,trailing 10%,159,18.2,Volatile,23.9,3.77,3.3,116,-4,46,57,false,Sell,Trim extended winner -1%,-4,-12,BrokerB,LMT,94,None,None,Normal monitoring,-13,-25,-37,4,false,Monitor dispersion and breadth
P8766,Active,Trust,USD,2025-05-18,1368918,151414,1217504,1.0,61.3,29.3,0.0,9.4,HYG:22.3%;QQQ:22.3%;AAPL:14.5%;MUB:8.4%;TLT:14.2%;BND:18.2%,US:64.2;EU:16.2;APAC:8.0;EM:10.4;Other:1.1,Value:-1.0;Growth:+0.5;Quality:+0.8;Size:+0.8;Momentum:-0.5;LowVol:-0.4,,8,25,5.7,trailing 8%,126,21.7,Volatile,30.7,4.35,4.5,156,66,91,74,true,Hedge,Buy index puts 1% notional,-7,-16,BrokerC,LMT,99,Drift>tolerance,Reduce,Allocation drift beyond policy bands,102,17,196,3,false,Tax-aware sells next window
P8767,Active,Roth,USD,2024-08-26,1245487,77660,1167827,1.0,68.4,25.7,0.0,5.9,AAPL:26.6%;MUB:26.6%;VNQ:12.7%;VOO:18.6%;TSLA:15.6%,US:74.8;EU:5.0;APAC:13.0;EM:3.1;Other:4.1,Value:-0.7;Growth:+0.7;Quality:+0.9;Size:-0.6;Momentum:+0.2;LowVol:+0.2,MaxPos6%;NoDerivatives,7,35,4.8,trailing 8%,182,18.8,Volatile,20.8,3.78,3.9,135,72,92,57,false,Buy,Add to core equity +1%,16,-9,BrokerB,LMT,90,None,None,Normal monitoring,115,13,97,4,false,Increase defensive factor exposure
P8768,Opportunistic,401k,USD,2024-11-02,1550648,94344,1456304,1.0,70.8,16.4,4.1,8.7,GLD:20.6%;VTI:21.2%;MSFT:21.2%;TLT:18.6%;BRK.B:18.4%,US:77.2;EU:7.6;APAC:6.3;EM:4.3;Other:4.7,Value:+1.0;Growth:-0.8;Quality:+0.2;Size:+0.3;Momentum:+0.1;LowVol:-0.8,,5,35,5.1,hard 12%,180,30.9,Volatile,22.7,4.35,2.6,138,12,70,64,false,Sell,Trim extended winner -1%,-1,11,BrokerC,LMT,99,None,None,Normal monitoring,-16,-52,40,4,false,Tax-aware sells next window
P8769,Systematic,Taxable,USD,2025-08-15,822940,62012,760928,1.0,59.6,23.8,9.3,7.3,TSLA:33.3%;BND:33.3%;BRK.B:33.3%,US:71.4;EU:15.7;APAC:7.0;EM:4.6;Other:1.4,Value:+0.7;Growth:+0.5;Quality:-0.1;Size:-0.2;Momentum:-0.7;LowVol:-1.0,NoDerivatives,7,30,4.5,hard 12%,143,26.0,Bull,12.1,3.87,2.9,75,21,56,41,false,Sell,Trim extended winner -1%,11,-19,BrokerC,MKT,87,None,None,Normal monitoring,-44,-43,-10,5,false,Within IPS guidelines
P8770,Systematic,IRA,USD,2025-12-24,843163,52457,790706,1.0,62.4,31.9,0.0,5.7,VNQ:24.3%;HYG:18.3%;VOO:8.8%;VTI:24.3%;MSFT:24.3%,US:70.4;EU:7.8;APAC:9.1;EM:10.4;Other:2.2,Value:+0.3;Growth:+0.4;Quality:-0.4;Size:-0.3;Momentum:-0.9;LowVol:-0.0,MaxPos5%,8,35,5.5,trailing 8%,190,21.8,Bull,12.8,4.77,3.3,72,40,76,35,false,Buy,Add to core equity +1%,27,9,BrokerC,LMT,96,None,None,Normal monitoring,17,-21,150,4,false,Monitor dispersion and breadth
P8771,Systematic,Trust,USD,2024-08-18,1624792,99313,1525479,1.0,60.2,23.7,6.2,9.9,AMZN:33.3%;BRK.B:33.3%;TSLA:33.3%,US:73.9;EU:9.0;APAC:7.2;EM:4.1;Other:5.9,Value:-0.5;Growth:+0.8;Quality:-0.1;Size:-0.8;Momentum:-0.2;LowVol:-0.6,,5,35,4.2,trailing 8%,148,19.2,Sideways,17.0,4.59,2.4,135,20,61,54,false,NoAction,Within bands; monitor,26,-22,BrokerA,LMT,91,None,None,Normal monitoring,112,-35,214,5,false,Within IPS guidelines
P8772,Hands-off,Trust,USD,2024-08-21,486312,32765,453547,1.0,57.8,24.1,12.4,5.8,AAPL:33.3%;BND:33.3%;TSLA:33.3%,US:66.5;EU:9.7;APAC:9.0;EM:12.8;Other:2.0,Value:-0.7;Growth:+0.9;Quality:+0.7;Size:-0.0;Momentum:0.0;LowVol:+0.9,ESGOnly;MaxPos8%,10,30,5.0,trailing 8%,170,18.0,Volatile,28.4,4.22,4.4,158,78,94,81,true,Rebalance,Rebalance back to target bands,25,-15,BrokerC,LMT,94,VAR>budget,TightenStops,Risk above budget threshold,-25,-37,-51,5,false,Monitor dispersion and breadth
P8773,Active,Trust,USD,2025-10-24,1273382,117366,1156016,1.0,64.1,26.8,2.5,6.7,BRK.B:26.2%;AMZN:26.2%;BND:21.6%;AAPL:26.1%,US:66.8;EU:10.1;APAC:9.2;EM:12.6;Other:1.2,Value:+0.5;Growth:+0.3;Quality:+0.9;Size:-0.9;Momentum:+0.3;LowVol:+0.3,MaxPos8%,8,30,5.1,trailing 9%,186,25.0,Bull,13.9,3.53,2.1,84,5,61,48,false,Rebalance,Shift +1% to bonds from equity,33,-26,BrokerB,MKT,95,None,None,Normal monitoring,2,-58,21,5,false,Tax-aware sells next window
P8774,Active,Taxable,USD,2025-07-15,1912900,203078,1709822,1.0,60.4,23.6,10.0,6.0,AAPL:15.4%;AMZN:28.2%;TLT:28.2%;BND:28.2%,US:64.9;EU:10.1;APAC:10.9;EM:11.9;Other:2.2,Value:+0.8;Growth:-0.8;Quality:+0.2;Size:+0.1;Momentum:-0.6;LowVol:+0.4,NoDerivatives,5,25,5.9,trailing 8%,135,20.9,Volatile,29.8,5.12,2.2,166,22,73,68,false,Hedge,Add TLT +1% as duration hedge,-2,2,BrokerA,MKT,85,None,None,Normal monitoring,1,-55,12,3,false,Increase defensive factor exposure
P8775,Cautious,IRA,USD,2025-05-02,180090,17825,162265,1.0,43.8,39.3,2.4,14.5,AAPL:13.5%;HYG:28.8%;VOO:28.8%;TSLA:28.8%,US:64.1;EU:17.0;APAC:13.2;EM:3.3;Other:2.5,Value:0.0;Growth:-0.5;Quality:-0.7;Size:-0.2;Momentum:+0.5;LowVol:-0.0,NoDerivatives;NoMargin,6,25,4.1,trailing 8%,139,12.4,Volatile,28.5,5.29,2.2,128,-45,20,71,true,Reduce,"Cut high-beta by 2-3%, add cash",20,4,BrokerB,MKT,88,RegimeShift,Pause,Volatility spike and breadth deterioration,44,6,139,4,true,Tax-aware sells next window
P8776,Cautious,IRA,USD,2025-03-20,332941,44037,288904,1.0,47.2,38.6,0.0,14.2,BRK.B:23.8%;TSLA:15.3%;MUB:22.4%;GLD:23.8%;HYG:14.8%,US:64.6;EU:11.4;APAC:10.7;EM:8.0;Other:5.3,Value:+0.2;Growth:+0.9;Quality:+0.6;Size:-0.1;Momentum:-0.7;LowVol:+0.8,MaxPos6%;NoMargin,7,35,4.9,hard 10%,119,13.8,Bull,14.9,4.75,3.4,80,60,72,35,false,Buy,Add to core equity +1%,20,5,BrokerC,VWAP,96,None,None,Normal monitoring,114,15,155,5,false,Within IPS guidelines
P8777,Cautious,Roth,USD,2025-11-26,619945,66443,553502,1.0,44.4,39.5,0.0,16.1,AAPL:26.7%;TSLA:27.5%;HYG:18.3%;QQQ:27.5%,US:66.2;EU:9.7;APAC:11.0;EM:8.7;Other:4.5,Value:+0.8;Growth:+0.3;Quality:+0.6;Size:-0.4;Momentum:-0.9;LowVol:-0.8,ESGOnly;MaxPos7%;NoDerivatives;NoMargin,7,30,4.2,trailing 8%,146,13.4,Bull,12.5,4.23,3.3,84,18,57,29,false,Buy,Add to core equity +1%,19,-9,BrokerA,VWAP,100,None,None,Normal monitoring,1,-26,87,3,false,Tax-aware sells next window
P8778,Hands-off,401k,USD,2024-12-11,390829,21872,368957,1.0,61.4,28.4,1.0,9.2,AMZN:23.6%;GLD:8.6%;BND:23.6%;VNQ:20.5%;BRK.B:23.6%,US:77.6;EU:6.3;APAC:10.7;EM:4.1;Other:1.3,Value:-0.8;Growth:-0.4;Quality:-0.0;Size:+0.8;Momentum:+0.1;LowVol:-0.1,MaxPos6%,7,35,3.9,hard 10%,170,12.9,Volatile,20.4,5.05,2.4,120,6,45,52,false,Buy,Add to core equity +1%,23,-14,BrokerC,VWAP,91,None,None,Normal monitoring,-24,0,3,4,false,Increase defensive factor exposure
P8779,Cautious,IRA,USD,2024-11-20,242297,37183,205114,1.0,42.0,39.6,3.8,14.6,AAPL:24.8%;IEF:25.1%;VNQ:25.1%;BRK.B:25.1%,US:66.8;EU:20.8;APAC:7.9;EM:4.0;Other:0.4,Value:0.0;Growth:-0.7;Quality:+0.4;Size:+0.2;Momentum:-0.9;LowVol:+0.4,ESGOnly;NoMargin,10,30,5.9,trailing 8%,143,19.1,Bear,22.6,4.09,2.5,220,-106,5,43,false,Hedge,Add TLT +1% as duration hedge,-3,1,BrokerA,VWAP,92,None,None,Normal monitoring,6,-15,41,3,false,Increase defensive factor exposure
P8780,Active,Trust,USD,2024-11-24,544412,51692,492720,1.0,63.1,19.7,12.0,5.1,TSLA:24.5%;TLT:15.5%;AAPL:22.8%;VNQ:12.6%;QQQ:24.5%,US:64.4;EU:15.9;APAC:8.0;EM:9.8;Other:1.9,Value:0.0;Growth:+0.6;Quality:-0.7;Size:+0.5;Momentum:+0.1;LowVol:-0.8,,7,25,5.2,trailing 8%,193,27.1,Bull,15.0,4.97,2.5,117,11,52,38,false,Sell,Trim extended winner -1%,21,-32,BrokerC,MKT,98,None,None,Normal monitoring,94,-32,173,3,false,Tighten stops on momentum names
P8781,Active,401k,USD,2025-12-22,2057899,142986,1914913,1.0,65.6,23.3,3.7,7.4,HYG:25.0%;MUB:25.0%;BND:25.0%;IEF:25.0%,US:64.3;EU:15.2;APAC:11.7;EM:5.5;Other:3.4,Value:-0.9;Growth:0.0;Quality:+0.3;Size:0.0;Momentum:+0.4;LowVol:-0.3,MaxPos6%,10,30,4.9,trailing 9%,199,16.3,Volatile,25.0,3.57,3.4,126,-9,41,76,true,Hedge,Buy index puts 1% notional,33,-1,BrokerD,LMT,99,Drift>tolerance,Hedge,Allocation drift beyond policy bands,50,-23,99,2,false,Monitor dispersion and breadth
P8782,Opportunistic,Roth,USD,2025-04-13,1254417,87257,1167160,1.0,65.2,14.2,14.2,6.4,XLF:16.0%;GLD:22.1%;IEF:14.5%;VOO:11.2%;VTI:14.0%;TSLA:22.1%,US:71.7;EU:6.1;APAC:13.0;EM:5.2;Other:3.9,Value:+0.5;Growth:-0.5;Quality:0.0;Size:-0.2;Momentum:+0.7;LowVol:+1.0,,10,35,5.8,trailing 9%,251,27.6,Volatile,31.4,5.19,4.0,136,-30,25,74,true,Hedge,Buy index puts 1% notional,3,-17,BrokerD,VWAP,100,Drift>tolerance,Hedge,Allocation drift beyond policy bands,30,-55,94,4,false,Monitor dispersion and breadth
P8783,Systematic,IRA,USD,2025-05-17,414156,37531,376625,1.0,56.4,26.6,7.9,9.1,AMZN:28.0%;MSFT:28.0%;BND:17.7%;QQQ:26.3%,US:61.3;EU:12.0;APAC:13.8;EM:8.5;Other:4.4,Value:-0.6;Growth:+0.4;Quality:-0.8;Size:-0.2;Momentum:+0.3;LowVol:-0.7,NoDerivatives,10,30,5.3,trailing 9%,172,27.1,Bear,30.1,4.21,1.6,175,-18,30,82,true,Hedge,Buy index puts 1% notional,-1,-1,BrokerA,LMT,91,VAR>budget,Hedge,Risk above budget threshold,21,-17,-3,2,false,Within IPS guidelines
P8784,Hands-off,Taxable,USD,2025-12-05,607447,39215,568232,1.0,58.3,19.0,13.6,9.1,TLT:24.9%;VTI:24.9%;HYG:19.8%;QQQ:15.6%;BRK.B:14.7%,US:68.3;EU:15.8;APAC:5.5;EM:9.3;Other:1.1,Value:+0.6;Growth:+1.0;Quality:-0.3;Size:+0.8;Momentum:+0.5;LowVol:-1.0,ESGOnly,8,35,6.0,trailing 8%,134,14.2,Volatile,30.9,5.15,3.5,139,-34,35,75,true,Hedge,Buy index puts 1% notional,26,-35,BrokerB,MKT,94,VAR>budget,Hedge,Risk above budget threshold,65,-5,164,2,false,Tighten stops on momentum names
P8785,Active,Trust,USD,2025-08-23,2298249,269673,2028576,1.0,60.0,29.3,2.2,8.5,AMZN:7.4%;GLD:21.5%;VOO:21.5%;TLT:20.3%;AAPL:19.4%;HYG:9.9%,US:69.2;EU:13.5;APAC:9.7;EM:7.2;Other:0.4,Value:-1.0;Growth:-0.2;Quality:+0.6;Size:-0.6;Momentum:+0.1;LowVol:+0.2,NoDerivatives,6,30,5.4,trailing 8%,184,24.6,Volatile,22.1,3.74,2.1,176,-20,44,55,false,Hedge,Add TLT +1% as duration hedge,-11,-39,BrokerC,LMT,89,None,None,Normal monitoring,41,-52,40,5,false,Tighten stops on momentum names
P8786,Active,Taxable,USD,2025-03-10,709851,53136,656715,1.09,56.6,22.2,15.4,5.8,VTI:27.7%;AMZN:16.9%;HYG:27.7%;MUB:27.7%,US:67.3;EU:14.9;APAC:10.3;EM:6.5;Other:1.0,Value:-0.5;Growth:+0.9;Quality:-0.1;Size:+0.8;Momentum:+0.1;LowVol:-0.8,,10,30,4.4,trailing 9%,143,24.0,Bull,17.0,4.97,2.2,95,62,73,37,true,Hedge,Buy index puts 1% notional,34,-17,BrokerB,LMT,96,VAR>budget,Reduce,Risk above budget threshold,87,-28,167,3,false,Within IPS guidelines
P8787,Systematic,Trust,USD,2024-12-11,924044,83143,840901,1.0,56.4,23.8,14.4,5.4,TSLA:33.3%;BND:33.3%;QQQ:33.3%,US:62.2;EU:14.3;APAC:13.9;EM:5.7;Other:3.9,Value:-0.2;Growth:-0.5;Quality:+0.2;Size:-0.8;Momentum:-0.9;LowVol:+0.6,,10,30,4.0,trailing 9%,220,24.4,Bear,31.4,3.07,1.7,184,27,49,66,false,Sell,Trim extended winner -1%,12,4,BrokerC,LMT,96,None,None,Normal monitoring,42,-13,109,3,false,Increase defensive factor exposure
P8788,Active,Trust,USD,2024-09-27,1457394,143913,1313481,1.19,54.1,19.5,19.8,6.6,MUB:13.0%;XLF:17.4%;TLT:23.2%;GLD:23.1%;VTI:23.2%,US:62.7;EU:14.6;APAC:9.8;EM:11.2;Other:1.6,Value:-0.6;Growth:+0.7;Quality:-0.9;Size:0.0;Momentum:-0.8;LowVol:-0.6,,8,35,4.3,hard 12%,193,21.5,Volatile,24.4,4.43,4.5,153,76,95,56,false,Buy,Add to core equity +1%,3,3,BrokerB,LMT,91,None,None,Normal monitoring,96,-24,66,3,false,Tax-aware sells next window
P8789,Systematic,IRA,USD,2025-08-20,1662355,110179,1552176,1.0,66.5,24.4,3.8,5.3,IEF:25.0%;MUB:25.0%;QQQ:25.0%;MSFT:25.0%,US:62.7;EU:16.7;APAC:11.5;EM:4.6;Other:4.6,Value:+0.3;Growth:0.0;Quality:+0.1;Size:-0.2;Momentum:+0.5;LowVol:-0.5,MaxPos8%,7,35,5.0,trailing 8%,185,20.0,Bull,12.5,4.72,2.7,85,42,71,37,false,Rebalance,Shift +1% to bonds from equity,5,15,BrokerD,LMT,88,None,None,Normal monitoring,18,-22,33,4,false,Increase defensive factor exposure
P8790,Active,Trust,USD,2025-02-12,1976805,148462,1828343,1.0,66.6,28.0,0.0,5.4,BRK.B:34.5%;VTI:34.5%;AAPL:31.0%,US:68.5;EU:6.5;APAC:13.9;EM:9.1;Other:2.0,Value:-0.1;Growth:-0.6;Quality:-0.2;Size:-0.8;Momentum:-0.8;LowVol:-0.9,NoDerivatives,7,25,4.1,trailing 8%,139,27.8,Bear,22.8,3.52,1.9,216,-47,20,68,false,Buy,Add to core equity +1%,11,-38,BrokerD,LMT,88,None,None,Normal monitoring,9,-48,52,5,false,Monitor dispersion and breadth
P8791,Hands-off,IRA,USD,2025-06-18,553335,52084,501251,1.0,70.3,21.1,0.0,8.5,TSLA:22.9%;VTI:22.1%;TLT:27.5%;IEF:27.5%,US:65.2;EU:15.7;APAC:13.8;EM:4.2;Other:1.2,Value:+0.1;Growth:+0.2;Quality:+0.9;Size:-0.8;Momentum:-0.5;LowVol:+0.5,ESGOnly;MaxPos8%,8,25,3.6,trailing 8%,138,13.4,Bull,17.4,4.72,3.1,116,85,100,64,true,Hedge,Buy index puts 1% notional,-9,-3,BrokerB,VWAP,93,VAR>budget,Reduce,Risk above budget threshold,63,-1,84,3,false,Tax-aware sells next window
P8792,Opportunistic,Taxable,USD,2025-11-15,708431,24712,683719,1.0,70.2,11.6,11.5,6.7,TLT:26.2%;BRK.B:21.3%;VNQ:26.2%;BND:26.2%,US:66.0;EU:9.4;APAC:11.9;EM:10.2;Other:2.5,Value:+0.8;Growth:+0.6;Quality:-0.7;Size:-0.5;Momentum:+1.0;LowVol:-0.2,,6,30,6.3,trailing 7%,192,27.3,Sideways,21.1,4.06,2.1,138,-2,60,68,false,Sell,Trim extended winner -1%,-7,3,BrokerD,LMT,98,None,None,Normal monitoring,113,-13,85,4,false,Increase defensive factor exposure
P8793,Hands-off,Trust,USD,2024-11-29,386630,19955,366675,1.0,70.9,17.2,3.7,8.2,AAPL:6.0%;VOO:20.6%;AMZN:17.9%;TLT:20.5%;GLD:20.6%;TSLA:14.5%,US:76.3;EU:7.6;APAC:10.0;EM:5.5;Other:0.7,Value:+0.5;Growth:0.0;Quality:-0.0;Size:-0.2;Momentum:+0.5;LowVol:+0.7,ESGOnly;MaxPos6%;NoDerivatives,5,25,4.2,trailing 8%,118,20.0,Bull,12.6,4.9,2.6,115,72,94,46,false,Rebalance,Shift +1% to bonds from equity,5,-11,BrokerA,MKT,96,None,None,Normal monitoring,-19,-35,121,3,false,Increase defensive factor exposure
P8794,Cautious,Trust,USD,2025-01-13,393936,59857,334079,1.0,36.2,39.4,8.4,16.1,TLT:37.6%;AMZN:37.6%;BRK.B:24.8%,US:65.3;EU:15.5;APAC:8.0;EM:8.9;Other:2.3,Value:-0.4;Growth:+0.5;Quality:+0.3;Size:+0.4;Momentum:-0.6;LowVol:+0.8,NoMargin,7,25,4.2,trailing 8%,151,15.1,Bull,13.1,4.44,2.9,100,89,85,28,false,Hedge,Add TLT +1% as duration hedge,-5,-10,BrokerD,MKT,86,None,None,Normal monitoring,10,-55,44,4,false,Tax-aware sells next window
P8795,Opportunistic,Roth,USD,2025-09-13,1422280,75978,1346302,1.0,70.9,10.7,14.3,4.2,VTI:27.8%;BND:16.6%;QQQ:27.8%;MSFT:27.8%,US:72.4;EU:6.2;APAC:9.8;EM:6.6;Other:4.9,Value:+0.5;Growth:-0.4;Quality:-0.6;Size:+0.3;Momentum:-0.2;LowVol:+0.3,MaxPos7%,6,30,4.6,trailing 9%,232,23.4,Volatile,22.2,5.36,3.2,167,32,69,56,false,NoAction,Within bands; monitor,27,-35,BrokerA,MKT,0,None,None,Normal monitoring,0,20,-17,3,false,Monitor dispersion and breadth
P8796,Hands-off,IRA,USD,2025-07-06,556994,46466,510528,1.0,57.0,15.7,21.8,5.5,AMZN:19.6%;VTI:18.5%;MUB:18.2%;IEF:15.3%;GLD:14.2%;TSLA:14.1%,US:70.7;EU:14.1;APAC:9.7;EM:4.7;Other:0.8,Value:+0.7;Growth:-0.8;Quality:+0.5;Size:+0.7;Momentum:+0.7;LowVol:-0.5,ESGOnly;MaxPos7%;NoDerivatives,6,25,5.4,trailing 8%,137,18.4,Sideways,20.9,3.84,3.1,102,16,57,61,false,Sell,Trim extended winner -1%,-5,-24,BrokerC,MKT,98,None,None,Normal monitoring,48,-34,30,3,false,Tighten stops on momentum names
P8797,Active,Trust,USD,2025-11-01,536431,41308,495123,1.0,67.1,24.6,0.0,8.4,AAPL:17.0%;VOO:7.2%;BND:17.8%;MUB:17.5%;VNQ:20.1%;VTI:20.4%,US:63.4;EU:17.6;APAC:11.0;EM:6.5;Other:1.5,Value:-0.7;Growth:+0.6;Quality:+0.8;Size:+0.4;Momentum:0.0;LowVol:-0.4,MaxPos6%,10,25,5.8,trailing 9%,165,20.3,Bull,14.9,3.55,3.4,83,99,93,53,false,Buy,Add to core equity +1%,0,-30,BrokerA,LMT,87,None,None,Normal monitoring,-22,-53,112,3,false,Tax-aware sells next window
P8798,Active,Trust,USD,2025-08-24,1180219,74961,1105258,1.0,57.0,28.9,6.1,7.9,AAPL:27.3%;TLT:27.3%;VNQ:18.2%;HYG:27.3%,US:67.7;EU:17.6;APAC:6.4;EM:8.1;Other:0.1,Value:-0.2;Growth:+1.0;Quality:-0.7;Size:-0.8;Momentum:0.0;LowVol:+0.7,NoDerivatives,5,30,4.3,hard 12%,153,19.4,Bear,24.3,3.34,2.1,189,-3,63,56,false,Buy,Add to core equity +1%,28,-24,BrokerB,MKT,90,None,None,Normal monitoring,52,-39,152,3,false,Tighten stops on momentum names
P8799,Systematic,401k,USD,2024-11-20,616336,50865,565471,1.0,58.0,28.6,3.8,9.6,IEF:20.9%;AMZN:18.5%;GLD:17.7%;VNQ:21.0%;XLF:8.8%;TSLA:13.1%,US:67.2;EU:18.1;APAC:5.6;EM:7.3;Other:1.8,Value:-0.9;Growth:-0.2;Quality:+0.3;Size:-0.7;Momentum:-0.4;LowVol:+0.3,NoDerivatives,10,25,5.8,trailing 9%,185,26.9,Volatile,24.0,5.32,3.8,131,22,59,55,false,Buy,Add to core equity +1%,19,4,BrokerC,MKT,89,None,None,Normal monitoring,85,1,200,3,false,Monitor dispersion and breadth
P8800,Active,Taxable,USD,2025-02-04,1715801,194324,1521477,1.0,65.4,18.5,8.1,8.1,AMZN:19.9%;QQQ:20.2%;IEF:6.2%;VNQ:20.2%;HYG:16.7%;TLT:16.8%,US:73.6;EU:5.1;APAC:11.2;EM:9.4;Other:0.7,Value:+0.3;Growth:-0.9;Quality:-0.2;Size:-1.0;Momentum:+0.7;LowVol:-0.5,NoDerivatives,10,35,4.6,trailing 8%,121,20.9,Bull,12.5,4.77,2.6,109,89,100,37,false,Hedge,Add TLT +1% as duration hedge,9,3,BrokerD,LMT,95,None,None,Normal monitoring,4,-3,-8,4,false,Tighten stops on momentum names
P8801,Systematic,401k,USD,2024-08-30,1224579,89471,1135108,1.0,65.3,24.8,1.4,8.5,TLT:12.8%;GLD:20.9%;VNQ:11.6%;TSLA:20.9%;QQQ:19.7%;MUB:14.0%,US:63.5;EU:14.7;APAC:13.0;EM:7.5;Other:1.3,Value:-0.2;Growth:-0.8;Quality:-0.5;Size:-0.7;Momentum:-0.7;LowVol:+0.8,MaxPos8%,10,25,4.7,trailing 9%,179,17.8,Bull,16.0,4.96,2.8,86,9,60,45,false,Rebalance,Shift +1% to bonds from equity,-11,-1,BrokerB,LMT,100,None,None,Normal monitoring,92,-28,153,3,false,Tighten stops on momentum names
P8802,Active,IRA,USD,2024-10-14,1776468,138810,1637658,1.11,58.6,18.7,17.2,5.6,XLF:26.0%;QQQ:28.6%;AMZN:16.7%;VOO:28.6%,US:73.1;EU:5.7;APAC:5.5;EM:12.3;Other:3.3,Value:+0.6;Growth:+0.9;Quality:0.0;Size:-0.3;Momentum:+0.5;LowVol:-0.2,MaxPos6%,6,35,5.3,trailing 8%,130,21.9,Bull,16.6,4.54,3.3,73,58,93,47,false,Sell,Trim extended winner -1%,25,2,BrokerD,MKT,93,None,None,Normal monitoring,78,-33,81,3,false,Within IPS guidelines
P8803,Hands-off,Trust,USD,2025-01-01,696534,48607,647927,1.0,61.4,21.3,11.1,6.2,TLT:22.2%;VNQ:25.9%;HYG:25.9%;MSFT:25.9%,US:68.1;EU:16.9;APAC:8.1;EM:4.5;Other:2.4,Value:0.0;Growth:+0.8;Quality:+0.3;Size:+0.7;Momentum:-0.8;LowVol:+0.7,,7,35,4.7,trailing 8%,148,14.9,Sideways,21.6,3.58,3.2,116,40,64,56,false,Sell,Trim extended winner -1%,-6,-9,BrokerC,LMT,93,None,None,Normal monitoring,6,17,137,4,false,Within IPS guidelines
P8804,Active,401k,USD,2025-10-04,2226511,245932,1980579,1.0,52.0,19.8,20.6,7.6,BND:7.8%;MSFT:10.2%;BRK.B:22.2%;QQQ:22.2%;AAPL:15.7%;TSLA:22.0%,US:61.0;EU:18.3;APAC:11.5;EM:6.7;Other:2.5,Value:-0.1;Growth:-0.1;Quality:+0.4;Size:+0.9;Momentum:+0.6;LowVol:+0.1,MaxPos5%,7,30,5.6,hard 12%,173,17.4,Bear,31.3,3.61,1.8,158,35,80,75,true,Reduce,"Cut high-beta by 2-3%, add cash",4,-35,BrokerD,MKT,86,Drift>tolerance,Reduce,Allocation drift beyond policy bands,53,-19,177,5,false,Tighten stops on momentum names
P8805,Cautious,Taxable,USD,2025-11-15,313517,28394,285123,1.0,41.8,42.4,0.7,15.1,GLD:20.3%;BRK.B:11.8%;IEF:15.4%;MSFT:20.3%;TLT:20.3%;VNQ:11.9%,US:62.3;EU:14.9;APAC:16.1;EM:5.1;Other:1.5,Value:-0.9;Growth:-0.5;Quality:-0.7;Size:-0.4;Momentum:+0.5;LowVol:-0.9,NoDerivatives;NoMargin,5,30,4.4,trailing 10%,93,15.5,Volatile,23.6,4.16,2.6,171,60,81,58,false,Rebalance,Shift +1% to bonds from equity,1,5,BrokerC,VWAP,89,None,None,Normal monitoring,66,-43,173,3,false,Tax-aware sells next window
P8806,Opportunistic,Roth,USD,2024-09-06,1312752,66837,1245915,1.0,64.2,21.1,6.8,8.0,VOO:33.3%;BND:33.3%;VTI:33.3%,US:60.3;EU:19.0;APAC:8.6;EM:7.4;Other:4.8,Value:-0.1;Growth:-0.2;Quality:+0.2;Size:-0.4;Momentum:-0.5;LowVol:+0.7,,6,30,6.1,hard 12%,185,33.0,Sideways,16.6,5.0,3.3,101,54,81,41,true,Reduce,"Cut high-beta by 2-3%, add cash",21,-33,BrokerA,LMT,97,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-46,-27,-48,4,false,Within IPS guidelines
P8807,Systematic,Roth,USD,2024-08-19,1763181,96084,1667097,1.0,63.8,27.1,0.0,9.1,BRK.B:33.3%;AAPL:33.3%;IEF:33.3%,US:60.3;EU:13.5;APAC:11.2;EM:10.1;Other:4.8,Value:-1.0;Growth:+0.3;Quality:-0.0;Size:-0.5;Momentum:-0.4;LowVol:+0.5,MaxPos6%;NoDerivatives,7,30,4.1,hard 12%,204,22.7,Bear,34.8,4.11,1.9,191,-31,25,81,true,Rebalance,Rebalance back to target bands,-12,1,BrokerA,LMT,90,Drift>tolerance,Pause,Allocation drift beyond policy bands,-51,-37,80,5,false,Tighten stops on momentum names
P8808,Opportunistic,IRA,USD,2024-09-19,1045991,36094,1009897,1.0,67.3,11.3,12.5,8.9,AMZN:33.3%;VNQ:33.3%;GLD:33.3%,US:70.9;EU:7.6;APAC:10.0;EM:7.1;Other:4.4,Value:-0.1;Growth:-0.4;Quality:+0.8;Size:+0.4;Momentum:+0.7;LowVol:+0.3,MaxPos8%;NoDerivatives,7,25,4.7,hard 12%,266,31.4,Volatile,20.0,4.69,2.7,143,25,59,61,false,Buy,Add to core equity +1%,30,-11,BrokerD,MKT,99,None,None,Normal monitoring,76,-50,135,4,false,Tax-aware sells next window
P8809,Active,Trust,USD,2025-12-12,1653511,118560,1534951,1.14,60.1,19.7,14.4,5.8,QQQ:22.3%;MSFT:8.5%;VOO:9.6%;TSLA:22.3%;AMZN:22.3%;BND:15.0%,US:68.9;EU:7.1;APAC:13.9;EM:6.0;Other:4.1,Value:-0.1;Growth:+0.4;Quality:-0.7;Size:+0.4;Momentum:-0.3;LowVol:+0.7,MaxPos7%,8,25,4.3,hard 12%,150,21.0,Sideways,14.0,3.63,3.1,105,49,88,52,true,Rebalance,Rebalance back to target bands,14,-32,BrokerD,LMT,99,RegimeShift,TightenStops,Volatility spike and breadth deterioration,89,-2,199,2,true,Increase defensive factor exposure
P8810,Opportunistic,Trust,USD,2024-08-06,1093046,69856,1023190,1.0,68.4,19.8,4.1,7.7,AMZN:36.9%;MUB:26.2%;QQQ:36.9%,US:61.5;EU:16.2;APAC:13.9;EM:5.0;Other:3.5,Value:-0.4;Growth:-0.3;Quality:+0.8;Size:-0.0;Momentum:-0.6;LowVol:-0.9,MaxPos6%,5,35,4.2,trailing 7%,260,22.9,Sideways,19.3,4.29,2.6,119,8,60,50,false,Buy,Add to core equity +1%,-9,-38,BrokerC,LMT,86,None,None,Normal monitoring,77,-56,39,4,false,Within IPS guidelines
P8811,Hands-off,Taxable,USD,2024-10-03,386048,36951,349097,1.0,58.3,27.6,8.7,5.4,AAPL:19.7%;HYG:18.5%;BND:19.8%;TLT:8.7%;VNQ:15.3%;VOO:17.9%,US:65.5;EU:16.7;APAC:8.8;EM:5.3;Other:3.7,Value:-0.8;Growth:+0.2;Quality:-0.8;Size:+0.7;Momentum:-0.2;LowVol:+1.0,,5,25,5.6,trailing 8%,154,12.3,Bull,13.9,4.01,2.1,91,50,74,36,false,Sell,Trim extended winner -1%,-10,11,BrokerB,MKT,95,None,None,Normal monitoring,77,19,50,4,false,Increase defensive factor exposure
P8812,Active,Taxable,USD,2025-12-11,984336,78312,906024,1.0,54.8,22.9,13.3,9.0,XLF:29.2%;MUB:29.2%;GLD:12.3%;MSFT:29.2%,US:59.3;EU:17.7;APAC:11.7;EM:10.2;Other:1.1,Value:+0.6;Growth:-0.6;Quality:+0.8;Size:-0.3;Momentum:+0.3;LowVol:-0.9,NoDerivatives,5,35,5.0,trailing 9%,166,19.6,Sideways,20.2,4.86,2.1,129,-6,37,45,false,Rebalance,Shift +1% to bonds from equity,5,2,BrokerA,LMT,94,None,None,Normal monitoring,-27,0,-40,5,false,Tax-aware sells next window
P8813,Cautious,Taxable,USD,2025-11-03,455569,66037,389532,1.0,43.8,41.1,1.9,13.3,MSFT:13.7%;MUB:18.5%;IEF:19.8%;AMZN:14.9%;BRK.B:20.4%;VOO:12.6%,US:64.0;EU:15.0;APAC:7.8;EM:10.1;Other:3.2,Value:-0.9;Growth:-0.4;Quality:+0.4;Size:+0.1;Momentum:-0.5;LowVol:-0.8,MaxPos7%;NoMargin,7,30,3.9,hard 10%,166,18.5,Bull,14.6,4.64,3.0,99,102,91,27,false,Rebalance,Shift +1% to bonds from equity,-11,-33,BrokerC,LMT,87,None,None,Normal monitoring,93,0,56,3,false,Monitor dispersion and breadth
P8814,Opportunistic,Trust,USD,2024-12-18,1662812,122888,1539924,1.0,77.6,13.2,1.4,7.8,QQQ:21.8%;BRK.B:10.9%;MUB:21.2%;AAPL:18.9%;VOO:17.2%;XLF:10.0%,US:72.8;EU:4.7;APAC:13.2;EM:7.5;Other:1.9,Value:+0.6;Growth:+0.3;Quality:-0.6;Size:+0.4;Momentum:+0.2;LowVol:-0.4,,5,35,6.1,trailing 9%,271,28.7,Volatile,20.9,4.81,3.1,178,-22,41,58,false,Sell,Trim extended winner -1%,-14,2,BrokerB,MKT,93,None,None,Normal monitoring,113,6,225,3,false,Monitor dispersion and breadth
P8815,Hands-off,IRA,USD,2025-06-06,699427,62388,637039,1.0,71.4,17.0,2.0,9.6,VOO:33.3%;BRK.B:33.3%;HYG:33.3%,US:75.5;EU:6.0;APAC:9.5;EM:5.2;Other:3.8,Value:+0.1;Growth:-0.5;Quality:-0.8;Size:-0.9;Momentum:+0.4;LowVol:-0.2,ESGOnly;MaxPos6%,10,30,3.7,trailing 8%,161,12.6,Volatile,22.2,3.64,3.0,134,60,70,77,true,Hedge,Buy index puts 1% notional,4,6,BrokerC,LMT,94,RegimeShift,Hedge,Volatility spike and breadth deterioration,116,-57,164,5,false,Tax-aware sells next window
P8816,Active,401k,USD,2024-11-15,850764,54890,795874,1.0,66.6,20.3,4.8,8.3,AAPL:13.0%;TLT:29.0%;GLD:29.0%;HYG:29.0%,US:71.1;EU:7.8;APAC:10.4;EM:10.7;Other:0.0,Value:+0.4;Growth:+0.5;Quality:-0.5;Size:+0.4;Momentum:-0.5;LowVol:-0.7,,8,35,4.4,trailing 9%,224,24.0,Sideways,17.5,4.46,2.9,92,40,63,64,false,Rebalance,Shift +1% to bonds from equity,-3,-29,BrokerA,MKT,85,None,None,Normal monitoring,41,-44,157,5,false,Increase defensive factor exposure
P8817,Active,Trust,USD,2024-07-29,1843309,194609,1648700,1.0,62.9,19.3,10.4,7.3,AMZN:25.0%;IEF:25.0%;GLD:25.0%;MUB:25.0%,US:68.9;EU:10.3;APAC:14.1;EM:5.3;Other:1.3,Value:+1.0;Growth:-0.9;Quality:-0.9;Size:-0.1;Momentum:0.0;LowVol:-0.4,NoDerivatives,5,30,4.1,hard 12%,127,23.3,Volatile,21.7,3.52,4.5,142,-4,43,56,false,Hedge,Add TLT +1% as duration hedge,34,-36,BrokerB,MKT,88,None,None,Normal monitoring,54,-56,29,5,false,Monitor dispersion and breadth
P8818,Cautious,Roth,USD,2024-10-12,658997,105040,553957,1.0,44.8,37.3,5.3,12.6,IEF:8.8%;GLD:24.1%;VOO:19.0%;VNQ:24.1%;TSLA:24.1%,US:71.8;EU:6.7;APAC:8.8;EM:6.8;Other:5.9,Value:-0.0;Growth:-0.5;Quality:-0.6;Size:-0.6;Momentum:+1.0;LowVol:+0.2,ESGOnly;NoMargin,8,25,4.0,trailing 10%,144,18.6,Volatile,23.6,4.98,3.6,116,29,79,46,false,Rebalance,Shift +1% to bonds from equity,0,14,BrokerB,MKT,100,None,None,Normal monitoring,-19,-22,51,3,false,Increase defensive factor exposure
P8819,Active,401k,USD,2025-05-20,662948,73480,589468,1.0,63.3,28.6,2.6,5.5,MSFT:12.8%;TLT:22.2%;XLF:22.2%;MUB:22.2%;TSLA:10.9%;IEF:9.6%,US:72.8;EU:6.6;APAC:13.8;EM:4.8;Other:2.1,Value:-0.9;Growth:-0.3;Quality:-0.9;Size:+0.7;Momentum:-0.7;LowVol:-0.7,,6,35,4.7,hard 12%,221,18.3,Bull,17.7,4.68,2.3,78,9,43,51,false,Rebalance,Shift +1% to bonds from equity,31,0,BrokerD,VWAP,99,None,None,Normal monitoring,-53,-15,-66,3,false,Tax-aware sells next window
P8820,Opportunistic,IRA,USD,2025-02-18,434191,14268,419923,1.0,62.5,19.3,14.0,4.2,GLD:23.8%;AMZN:17.9%;BRK.B:23.8%;VOO:19.8%;XLF:14.6%,US:70.9;EU:14.1;APAC:9.9;EM:3.7;Other:1.4,Value:+0.2;Growth:-0.8;Quality:-0.1;Size:+0.1;Momentum:-0.1;LowVol:-0.2,,6,35,5.2,hard 12%,275,29.5,Volatile,29.0,4.62,4.5,131,16,56,68,false,Buy,Add to core equity +1%,12,5,BrokerA,MKT,100,None,None,Normal monitoring,48,9,188,3,false,Within IPS guidelines
P8821,Opportunistic,Trust,USD,2024-10-12,911166,42979,868187,1.0,69.3,19.8,5.4,5.5,VTI:22.7%;AAPL:22.6%;GLD:18.9%;TLT:20.8%;VOO:14.9%,US:64.8;EU:12.8;APAC:14.3;EM:3.5;Other:4.7,Value:+0.4;Growth:+0.1;Quality:+0.8;Size:+0.6;Momentum:+0.6;LowVol:+0.5,,7,30,5.5,hard 12%,160,33.2,Volatile,31.3,4.02,2.1,112,23,73,83,true,Rebalance,Rebalance back to target bands,24,-37,BrokerA,LMT,93,Drift>tolerance,Hedge,Allocation drift beyond policy bands,0,-21,-10,2,false,Tax-aware sells next window
P8822,Hands-off,Taxable,USD,2025-03-11,476438,41240,435198,1.0,64.1,26.3,0.0,9.6,BRK.B:19.4%;QQQ:17.7%;BND:22.8%;HYG:18.8%;IEF:21.4%,US:64.3;EU:11.3;APAC:12.9;EM:8.4;Other:3.0,Value:+0.3;Growth:-0.9;Quality:+0.6;Size:+0.3;Momentum:+0.8;LowVol:-0.3,,10,35,5.5,trailing 8%,168,13.0,Bear,22.5,3.14,2.4,210,37,61,63,false,NoAction,Within bands; monitor,17,-9,BrokerD,MKT,0,None,None,Normal monitoring,-60,-37,-19,4,false,Tighten stops on momentum names
P8823,Cautious,401k,USD,2025-12-13,276319,37284,239035,1.0,35.8,40.6,7.6,15.9,VNQ:22.4%;AAPL:25.9%;TLT:25.9%;BND:25.9%,US:66.1;EU:11.8;APAC:11.7;EM:7.5;Other:2.9,Value:-0.3;Growth:-0.0;Quality:+0.7;Size:-0.5;Momentum:-0.5;LowVol:+0.7,ESGOnly;MaxPos8%;NoMargin,7,30,3.3,trailing 8%,153,12.1,Sideways,15.6,3.6,2.8,137,41,85,27,false,Rebalance,Shift +1% to bonds from equity,-7,2,BrokerC,LMT,88,None,None,Normal monitoring,-54,-41,-74,5,false,Monitor dispersion and breadth
P8824,Hands-off,Taxable,USD,2025-09-16,575683,53139,522544,1.0,65.0,28.6,0.0,6.5,VNQ:13.8%;VOO:18.4%;AAPL:21.1%;VTI:21.1%;MUB:9.9%;BND:15.7%,US:68.5;EU:16.4;APAC:6.4;EM:4.3;Other:4.5,Value:+0.5;Growth:+0.1;Quality:-0.4;Size:-0.4;Momentum:+0.7;LowVol:+0.3,MaxPos8%,10,25,5.5,hard 10%,137,12.6,Volatile,24.9,4.22,2.5,151,45,70,67,false,Buy,Add to core equity +1%,20,7,BrokerA,LMT,89,None,None,Normal monitoring,76,-29,110,3,false,Increase defensive factor exposure
P8825,Cautious,Roth,USD,2025-10-01,465988,68599,397389,1.0,35.8,38.7,7.6,17.9,HYG:33.3%;AMZN:33.3%;BRK.B:33.3%,US:61.3;EU:11.3;APAC:14.6;EM:12.0;Other:0.8,Value:+0.3;Growth:+0.1;Quality:+0.9;Size:-0.6;Momentum:+0.4;LowVol:+0.4,MaxPos8%;NoMargin,7,25,4.1,trailing 8%,113,16.3,Bull,13.5,4.84,2.7,93,84,90,36,false,Rebalance,Shift +1% to bonds from equity,-3,-34,BrokerC,MKT,90,None,None,Normal monitoring,13,-13,55,5,false,Increase defensive factor exposure
P8826,Hands-off,Roth,USD,2025-07-25,332878,20974,311904,1.0,68.3,22.3,0.0,9.3,VOO:28.9%;QQQ:28.9%;TSLA:28.9%;AAPL:13.3%,US:70.9;EU:11.8;APAC:11.0;EM:4.3;Other:2.0,Value:+0.6;Growth:-0.5;Quality:+0.6;Size:+0.1;Momentum:+0.4;LowVol:-0.8,NoDerivatives,6,25,5.0,hard 10%,159,12.7,Sideways,17.4,4.52,2.9,105,-11,43,48,false,Sell,Trim extended winner -1%,17,-37,BrokerA,MKT,86,None,None,Normal monitoring,-37,-40,-5,3,false,Tighten stops on momentum names
P8827,Cautious,Roth,USD,2025-11-23,503265,64021,439244,1.0,45.8,39.3,0.0,14.9,VTI:23.1%;BND:23.1%;XLF:14.1%;AAPL:12.1%;TSLA:14.7%;IEF:12.9%,US:62.6;EU:14.0;APAC:12.5;EM:9.0;Other:2.0,Value:+0.5;Growth:+0.1;Quality:-0.3;Size:+0.9;Momentum:+0.9;LowVol:-1.0,ESGOnly;NoMargin,6,25,5.2,trailing 10%,110,14.0,Volatile,24.4,3.86,4.1,145,56,64,46,false,Buy,Add to core equity +1%,22,-37,BrokerB,MKT,90,None,None,Normal monitoring,39,8,42,3,false,Tighten stops on momentum names
P8828,Systematic,401k,USD,2024-12-23,1861685,122458,1739227,1.0,57.6,23.4,9.7,9.3,IEF:14.1%;TSLA:20.8%;TLT:21.1%;XLF:12.3%;HYG:18.1%;VTI:13.6%,US:71.1;EU:11.4;APAC:6.8;EM:10.3;Other:0.4,Value:+0.1;Growth:+0.2;Quality:-0.9;Size:+0.7;Momentum:+0.9;LowVol:+0.6,MaxPos8%,7,35,4.5,trailing 8%,156,27.6,Bear,29.9,3.12,1.8,166,-53,31,71,true,Rebalance,Rebalance back to target bands,35,4,BrokerB,LMT,92,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-45,-55,-6,4,true,Increase defensive factor exposure
P8829,Opportunistic,IRA,USD,2025-08-31,378535,16788,361747,1.0,64.1,10.5,18.5,7.0,VOO:22.9%;TLT:22.9%;MUB:22.4%;MSFT:17.7%;VTI:14.1%,US:62.5;EU:20.4;APAC:8.7;EM:7.3;Other:1.2,Value:-0.5;Growth:-0.1;Quality:+0.8;Size:-0.9;Momentum:-0.9;LowVol:+0.2,,10,30,5.9,trailing 7%,280,24.0,Bear,33.1,3.18,2.2,158,26,66,76,true,Rebalance,Rebalance back to target bands,25,-14,BrokerC,LMT,95,RegimeShift,Pause,Volatility spike and breadth deterioration,37,19,23,5,true,Monitor dispersion and breadth
P8830,Hands-off,IRA,USD,2025-11-17,525352,37510,487842,1.0,66.7,23.2,0.9,9.2,MSFT:21.7%;QQQ:13.0%;BRK.B:21.7%;TLT:10.6%;TSLA:17.6%;AMZN:15.5%,US:66.7;EU:16.2;APAC:9.2;EM:4.6;Other:3.3,Value:-0.4;Growth:+0.7;Quality:+0.5;Size:-0.2;Momentum:+0.9;LowVol:-0.9,,8,35,4.1,trailing 8%,165,14.1,Bear,26.2,3.93,1.6,218,-58,31,82,true,Hedge,Buy index puts 1% notional,7,-5,BrokerA,MKT,100,RegimeShift,Reduce,Volatility spike and breadth deterioration,27,-22,126,3,false,Monitor dispersion and breadth
P8831,Systematic,IRA,USD,2025-09-25,928748,61506,867242,1.0,58.8,28.0,5.4,7.8,VOO:10.6%;AMZN:23.9%;BRK.B:10.2%;TSLA:19.9%;TLT:13.0%;GLD:22.4%,US:74.4;EU:9.1;APAC:12.1;EM:3.8;Other:0.6,Value:+0.8;Growth:+0.1;Quality:-0.6;Size:-0.7;Momentum:-0.4;LowVol:+0.3,,7,35,6.0,trailing 8%,198,20.1,Sideways,19.9,4.9,3.2,103,45,73,62,false,Buy,Add to core equity +1%,24,11,BrokerC,MKT,87,None,None,Normal monitoring,-34,-8,17,4,false,Monitor dispersion and breadth
P8832,Active,Taxable,USD,2025-05-10,1200827,100490,1100337,1.0,66.5,26.5,0.0,7.0,BND:21.7%;GLD:13.3%;TSLA:21.7%;MUB:16.1%;IEF:14.4%;VNQ:12.8%,US:73.3;EU:11.8;APAC:7.6;EM:6.8;Other:0.5,Value:+0.7;Growth:+0.2;Quality:-0.8;Size:-0.6;Momentum:-0.1;LowVol:-0.7,,10,35,5.5,trailing 8%,176,26.3,Bull,12.9,3.84,2.7,87,31,60,54,false,Rebalance,Shift +1% to bonds from equity,-8,-31,BrokerB,MKT,98,None,None,Normal monitoring,118,-35,179,4,false,Tighten stops on momentum names
P8833,Cautious,IRA,USD,2025-05-28,487145,68473,418672,1.0,40.7,42.8,0.0,16.5,MUB:26.0%;VTI:21.9%;TLT:26.0%;IEF:26.0%,US:69.9;EU:8.2;APAC:12.1;EM:6.5;Other:3.3,Value:-0.0;Growth:+0.2;Quality:-0.6;Size:-0.9;Momentum:-0.2;LowVol:+0.5,NoMargin,8,30,5.0,trailing 8%,163,13.6,Bull,13.3,4.34,2.4,100,57,82,36,false,Sell,Trim extended winner -1%,-5,-20,BrokerA,LMT,91,None,None,Normal monitoring,-46,-4,-26,3,false,Increase defensive factor exposure
P8834,Hands-off,401k,USD,2025-08-23,468948,44391,424557,1.0,68.7,20.3,3.1,7.9,QQQ:33.3%;IEF:33.3%;AAPL:33.3%,US:59.3;EU:18.0;APAC:14.5;EM:5.4;Other:2.7,Value:-0.2;Growth:-1.0;Quality:-0.4;Size:+0.6;Momentum:-0.2;LowVol:+0.1,,5,30,5.8,trailing 8%,150,17.9,Bull,16.9,4.05,2.4,92,116,100,63,false,Buy,Add to core equity +1%,-9,-21,BrokerC,VWAP,97,None,None,Normal monitoring,-25,15,-25,4,false,Increase defensive factor exposure
P8835,Systematic,Roth,USD,2024-11-29,1017986,90282,927704,1.0,57.2,32.4,1.7,8.7,BND:24.9%;GLD:16.6%;HYG:24.9%;VOO:8.7%;MSFT:24.9%,US:68.5;EU:16.0;APAC:10.0;EM:5.2;Other:0.4,Value:-0.7;Growth:-0.4;Quality:+0.4;Size:-0.9;Momentum:+0.1;LowVol:+0.9,MaxPos5%;NoDerivatives,7,30,5.3,trailing 8%,176,25.7,Bear,34.2,4.14,3.0,217,-5,42,75,true,Hedge,Buy index puts 1% notional,-4,11,BrokerA,LMT,90,VAR>budget,Reduce,Risk above budget threshold,22,-37,107,5,false,Within IPS guidelines
P8836,Active,Trust,USD,2025-09-29,1361664,129991,1231673,1.0,64.4,18.4,9.4,7.8,IEF:20.1%;HYG:26.6%;VTI:26.6%;BRK.B:26.6%,US:72.3;EU:8.7;APAC:14.0;EM:3.9;Other:1.1,Value:+1.0;Growth:-0.2;Quality:-0.5;Size:-0.3;Momentum:-1.0;LowVol:+0.2,MaxPos6%,10,30,4.1,trailing 8%,139,16.9,Sideways,14.3,4.88,3.2,92,9,55,57,false,Buy,Add to core equity +1%,-7,-24,BrokerA,MKT,99,None,None,Normal monitoring,-20,0,21,5,false,Tighten stops on momentum names
P8837,Opportunistic,IRA,USD,2025-04-14,1649216,95205,1554011,1.0,61.6,11.1,18.9,8.4,BND:28.1%;MSFT:28.1%;AMZN:19.7%;TSLA:24.0%,US:61.9;EU:14.1;APAC:11.0;EM:10.4;Other:2.5,Value:+0.8;Growth:-0.6;Quality:-0.3;Size:+0.5;Momentum:-1.0;LowVol:+0.5,NoDerivatives,7,30,6.0,hard 12%,242,34.1,Bear,28.9,3.7,2.5,143,29,79,66,false,NoAction,Within bands; monitor,-13,-29,BrokerD,LMT,98,None,None,Normal monitoring,-33,-34,59,4,false,Tax-aware sells next window
P8838,Systematic,IRA,USD,2024-07-30,856365,73890,782475,1.0,59.3,32.8,0.0,8.0,MSFT:27.9%;XLF:27.9%;QQQ:17.4%;BRK.B:26.9%,US:64.4;EU:12.1;APAC:6.7;EM:12.9;Other:3.9,Value:-0.7;Growth:-0.2;Quality:-0.5;Size:-0.2;Momentum:+0.4;LowVol:+0.8,,10,30,5.9,hard 12%,144,26.4,Bear,23.7,3.26,1.1,157,-99,5,63,false,NoAction,Within bands; monitor,1,-22,BrokerC,MKT,0,None,None,Normal monitoring,93,-39,157,4,false,Monitor dispersion and breadth
P8839,Cautious,Taxable,USD,2025-11-19,260862,32887,227975,1.0,42.4,41.0,0.0,16.6,TSLA:33.3%;GLD:33.3%;VOO:33.3%,US:70.2;EU:8.4;APAC:12.8;EM:5.7;Other:2.9,Value:-0.3;Growth:+0.1;Quality:-0.8;Size:-0.8;Momentum:-0.9;LowVol:+0.1,NoMargin,5,25,4.1,trailing 10%,140,15.4,Sideways,20.8,4.55,2.5,121,-28,43,51,false,Sell,Trim extended winner -1%,2,-33,BrokerB,LMT,98,None,None,Normal monitoring,79,-33,61,4,false,Tax-aware sells next window
P8840,Opportunistic,Taxable,USD,2025-08-21,408194,17541,390653,1.0,67.8,13.3,13.1,5.8,VOO:33.3%;MUB:33.3%;VTI:33.3%,US:65.7;EU:5.6;APAC:12.6;EM:12.3;Other:3.7,Value:+0.3;Growth:-0.2;Quality:-0.5;Size:+0.5;Momentum:+0.5;LowVol:+0.9,,8,35,4.1,trailing 9%,225,32.8,Sideways,20.8,3.74,2.4,133,4,65,59,false,Buy,Add to core equity +1%,16,1,BrokerC,LMT,90,None,None,Normal monitoring,36,-48,133,3,false,Tighten stops on momentum names
P8841,Opportunistic,Trust,USD,2025-05-20,910005,53573,856432,1.0,73.7,17.5,4.8,4.1,QQQ:14.1%;MUB:20.2%;VTI:15.8%;XLF:9.7%;BRK.B:20.2%;TLT:20.1%,US:63.0;EU:13.2;APAC:13.0;EM:9.3;Other:1.4,Value:+0.4;Growth:-0.9;Quality:-0.8;Size:+0.2;Momentum:-0.4;LowVol:-1.0,,10,35,4.2,trailing 9%,251,23.8,Sideways,21.2,3.82,3.4,110,6,50,76,true,Rebalance,Rebalance back to target bands,19,-4,BrokerD,LMT,86,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-43,3,-65,3,false,Monitor dispersion and breadth
P8842,Hands-off,Roth,USD,2025-02-14,266161,19256,246905,1.0,67.5,15.7,9.8,7.0,AAPL:19.9%;VOO:21.5%;BRK.B:21.5%;TLT:15.7%;QQQ:21.5%,US:62.6;EU:15.6;APAC:11.8;EM:4.0;Other:6.0,Value:-0.3;Growth:-0.1;Quality:-0.8;Size:+0.5;Momentum:+0.2;LowVol:+0.4,ESGOnly;MaxPos5%,8,35,3.3,trailing 8%,115,12.3,Bull,13.5,4.04,2.1,74,72,76,40,false,Rebalance,Shift +1% to bonds from equity,33,9,BrokerA,VWAP,91,None,None,Normal monitoring,82,-59,126,5,false,Monitor dispersion and breadth
P8843,Cautious,IRA,USD,2024-10-06,373911,47491,326420,1.0,43.5,38.9,2.1,15.6,TLT:8.2%;MUB:21.6%;VOO:17.1%;TSLA:21.6%;BND:12.9%;AMZN:18.5%,US:63.9;EU:13.8;APAC:11.1;EM:10.8;Other:0.4,Value:-0.5;Growth:-0.1;Quality:+0.8;Size:+0.8;Momentum:+0.6;LowVol:-0.4,MaxPos5%;NoMargin,10,35,5.0,hard 10%,116,13.9,Bull,17.2,3.54,2.2,81,78,82,32,false,Sell,Trim extended winner -1%,27,-23,BrokerC,LMT,98,None,None,Normal monitoring,32,-53,49,5,false,Monitor dispersion and breadth
P8844,Cautious,Roth,USD,2025-01-08,889544,111933,777611,1.0,35.3,33.7,17.9,13.1,QQQ:26.2%;XLF:26.2%;IEF:26.2%;TSLA:21.4%,US:57.6;EU:16.5;APAC:14.0;EM:9.2;Other:2.6,Value:+0.8;Growth:+0.7;Quality:0.0;Size:0.0;Momentum:+0.2;LowVol:+0.1,NoMargin,8,25,4.1,trailing 8%,116,19.3,Sideways,14.8,4.63,2.7,139,29,63,27,false,Buy,Add to core equity +1%,-11,15,BrokerB,LMT,92,None,None,Normal monitoring,44,-52,150,5,false,Monitor dispersion and breadth
P8845,Cautious,Taxable,USD,2025-11-10,490467,65657,424810,1.0,43.2,43.2,1.8,11.8,VNQ:18.1%;TSLA:22.0%;AMZN:21.6%;MSFT:20.7%;HYG:17.5%,US:56.5;EU:19.0;APAC:14.4;EM:5.5;Other:4.7,Value:+0.8;Growth:-0.5;Quality:+0.7;Size:+0.2;Momentum:-0.7;LowVol:-0.7,ESGOnly;NoDerivatives;NoMargin,10,25,4.0,trailing 8%,126,19.5,Bull,13.3,4.08,2.5,79,54,91,29,false,Hedge,Add TLT +1% as duration hedge,5,11,BrokerB,MKT,89,None,None,Normal monitoring,61,-17,43,4,false,Monitor dispersion and breadth
P8846,Opportunistic,401k,USD,2025-05-23,1474049,58379,1415670,1.0,76.6,13.3,3.9,6.1,BND:22.1%;BRK.B:20.5%;VNQ:12.3%;MSFT:22.1%;TLT:9.3%;XLF:13.6%,US:61.0;EU:15.7;APAC:12.5;EM:9.2;Other:1.6,Value:-0.8;Growth:+0.2;Quality:-0.3;Size:+1.0;Momentum:+0.4;LowVol:-0.7,NoDerivatives,5,25,5.1,hard 12%,177,23.6,Sideways,20.8,4.62,2.4,93,-20,35,62,false,Rebalance,Shift +1% to bonds from equity,33,9,BrokerC,LMT,98,None,None,Normal monitoring,-39,7,-7,3,false,Increase defensive factor exposure
P8847,Cautious,IRA,USD,2024-09-11,220059,19605,200454,1.0,46.7,31.1,7.2,15.1,AMZN:34.4%;IEF:34.4%;VOO:31.2%,US:66.0;EU:17.3;APAC:7.0;EM:9.1;Other:0.7,Value:+0.9;Growth:+0.2;Quality:-0.5;Size:-0.3;Momentum:+0.7;LowVol:-0.8,NoDerivatives;NoMargin,7,30,6.0,trailing 8%,166,17.9,Sideways,17.1,4.76,2.6,96,-22,41,40,false,Buy,Add to core equity +1%,-6,-11,BrokerC,MKT,96,None,None,Normal monitoring,7,-27,73,5,false,Within IPS guidelines
P8848,Hands-off,401k,USD,2024-08-05,310057,18445,291612,1.0,60.4,16.8,16.8,6.1,IEF:25.0%;AMZN:25.0%;VTI:25.0%;VNQ:25.0%,US:63.2;EU:15.2;APAC:14.8;EM:5.3;Other:1.5,Value:+0.2;Growth:-0.6;Quality:+0.6;Size:+0.7;Momentum:-0.9;LowVol:+0.5,MaxPos5%;NoDerivatives,8,25,5.1,hard 10%,154,13.6,Bull,14.8,4.68,2.5,88,5,45,53,false,Hedge,Add TLT +1% as duration hedge,35,-14,BrokerA,LMT,96,None,None,Normal monitoring,98,12,206,3,false,Within IPS guidelines
P8849,Active,401k,USD,2025-04-29,738685,50194,688491,1.0,55.6,21.7,13.3,9.4,QQQ:24.1%;HYG:14.9%;TSLA:24.1%;IEF:11.0%;AAPL:9.4%;MSFT:16.6%,US:67.2;EU:15.3;APAC:5.7;EM:9.2;Other:2.6,Value:-0.4;Growth:+0.6;Quality:+0.9;Size:-1.0;Momentum:+0.3;LowVol:+0.7,NoDerivatives,8,35,4.7,hard 12%,136,20.3,Volatile,26.0,4.02,2.1,171,33,69,70,false,Buy,Add to core equity +1%,7,-22,BrokerC,MKT,88,None,None,Normal monitoring,99,13,173,5,false,Within IPS guidelines
P8850,Opportunistic,Taxable,USD,2025-08-02,1722432,94824,1627608,1.21,65.4,11.4,14.9,8.4,MSFT:17.8%;VTI:27.4%;BRK.B:27.4%;HYG:27.4%,US:69.6;EU:17.0;APAC:5.9;EM:6.3;Other:1.1,Value:+0.7;Growth:0.0;Quality:-0.8;Size:+0.6;Momentum:+0.4;LowVol:+0.1,NoDerivatives,6,35,4.4,hard 12%,253,28.6,Bull,17.6,4.92,2.9,84,109,100,51,false,Rebalance,Shift +1% to bonds from equity,3,-4,BrokerD,LMT,96,None,None,Normal monitoring,78,-43,131,5,false,Increase defensive factor exposure
P8851,Systematic,401k,USD,2024-07-06,1265920,99809,1166111,1.0,56.0,25.7,9.7,8.6,IEF:26.4%;BRK.B:20.9%;XLF:26.4%;AAPL:26.4%,US:68.9;EU:12.1;APAC:6.8;EM:10.5;Other:1.7,Value:-0.2;Growth:-0.4;Quality:-0.1;Size:+0.3;Momentum:-0.7;LowVol:-0.5,,6,25,4.8,trailing 8%,206,25.2,Bull,15.1,4.44,3.1,73,17,45,41,false,Rebalance,Shift +1% to bonds from equity,3,-11,BrokerA,MKT,88,None,None,Normal monitoring,108,19,77,4,false,Increase defensive factor exposure
P8852,Hands-off,401k,USD,2025-06-20,660299,28466,631833,1.0,60.6,19.8,9.8,9.8,GLD:13.1%;AAPL:29.0%;VOO:29.0%;VNQ:29.0%,US:58.5;EU:17.6;APAC:12.4;EM:9.6;Other:1.8,Value:-0.4;Growth:+0.9;Quality:-0.8;Size:+0.1;Momentum:+0.5;LowVol:+0.2,ESGOnly;NoDerivatives,6,30,5.3,trailing 8%,154,14.2,Bull,13.6,3.55,2.8,83,78,90,49,false,Rebalance,Shift +1% to bonds from equity,27,-37,BrokerB,MKT,95,None,None,Normal monitoring,4,-49,90,4,false,Tighten stops on momentum names
P8853,Active,Trust,USD,2024-10-14,2408891,146772,2262119,1.0,60.2,25.1,6.4,8.4,AAPL:10.9%;MUB:21.5%;VOO:17.0%;BND:21.0%;TLT:21.5%;IEF:8.1%,US:63.2;EU:10.3;APAC:14.9;EM:10.2;Other:1.4,Value:-0.2;Growth:-0.7;Quality:-0.0;Size:+0.8;Momentum:+0.6;LowVol:-0.5,,5,35,4.8,trailing 9%,166,21.9,Bull,12.1,4.35,2.2,114,31,67,40,false,Sell,Trim extended winner -1%,27,-6,BrokerA,LMT,96,None,None,Normal monitoring,69,-16,148,4,false,Increase defensive factor exposure
P8854,Cautious,Roth,USD,2025-01-04,727408,65943,661465,1.0,41.8,36.0,11.8,10.4,IEF:33.3%;AMZN:33.3%;MUB:33.3%,US:57.6;EU:18.1;APAC:14.2;EM:7.5;Other:2.5,Value:+0.1;Growth:-0.4;Quality:+0.4;Size:+0.6;Momentum:+0.5;LowVol:-1.0,MaxPos7%;NoMargin,8,35,3.9,hard 10%,153,20.0,Bear,34.6,3.19,1.9,133,-80,16,71,true,Reduce,"Cut high-beta by 2-3%, add cash",33,-24,BrokerC,LMT,90,Drift>tolerance,Reduce,Allocation drift beyond policy bands,45,4,52,4,false,Monitor dispersion and breadth
P8855,Cautious,Taxable,USD,2025-01-01,686206,68875,617331,1.0,50.3,35.9,0.0,13.8,VNQ:11.6%;MSFT:23.1%;TLT:8.8%;TSLA:23.1%;AMZN:23.1%;HYG:10.2%,US:63.8;EU:19.6;APAC:7.4;EM:6.8;Other:2.4,Value:-0.0;Growth:+0.3;Quality:-0.9;Size:+0.1;Momentum:0.0;LowVol:+0.5,ESGOnly;NoMargin,10,35,6.0,trailing 10%,103,19.5,Bear,22.0,3.81,1.7,152,-95,6,46,false,Rebalance,Shift +1% to bonds from equity,-5,-12,BrokerC,LMT,98,None,None,Normal monitoring,13,-48,81,5,false,Within IPS guidelines
P8856,Opportunistic,Taxable,USD,2024-08-01,1652229,122955,1529274,1.0,66.8,14.0,14.9,4.2,XLF:17.7%;HYG:12.7%;GLD:13.2%;TSLA:15.4%;VTI:20.6%;IEF:20.6%,US:61.2;EU:14.4;APAC:13.2;EM:9.9;Other:1.3,Value:+0.8;Growth:-0.7;Quality:+0.3;Size:-1.0;Momentum:+0.3;LowVol:+0.2,MaxPos8%,8,25,6.0,trailing 7%,223,25.1,Bull,13.7,4.07,2.4,102,9,41,50,false,Rebalance,Shift +1% to bonds from equity,-7,6,BrokerA,MKT,97,None,None,Normal monitoring,82,-14,217,5,false,Monitor dispersion and breadth
P8857,Cautious,Roth,USD,2025-05-26,389523,49694,339829,1.0,49.8,35.8,0.0,14.5,AMZN:19.3%;TSLA:21.8%;MSFT:17.8%;BND:19.4%;AAPL:21.8%,US:62.2;EU:15.8;APAC:8.1;EM:9.7;Other:4.3,Value:+0.3;Growth:+0.9;Quality:-0.8;Size:0.0;Momentum:+0.2;LowVol:-0.2,ESGOnly;NoMargin,8,35,3.5,trailing 8%,140,16.1,Bull,12.9,3.67,3.4,96,0,38,41,false,Rebalance,Shift +1% to bonds from equity,1,-28,BrokerD,MKT,94,None,None,Normal monitoring,71,-34,149,4,false,Tighten stops on momentum names
P8858,Hands-off,401k,USD,2025-03-07,864889,56326,808563,1.0,69.5,18.8,4.0,7.7,IEF:34.5%;VOO:31.1%;AAPL:34.5%,US:70.9;EU:16.1;APAC:5.6;EM:3.5;Other:3.9,Value:-0.7;Growth:+0.3;Quality:-0.6;Size:-0.0;Momentum:-0.1;LowVol:-0.7,,6,30,4.9,trailing 8%,152,17.6,Bear,29.2,4.15,2.9,150,-28,38,70,false,Sell,Trim extended winner -1%,33,10,BrokerC,MKT,85,None,None,Normal monitoring,58,-12,139,3,false,Monitor dispersion and breadth
P8859,Systematic,Taxable,USD,2025-03-30,524654,22638,502016,1.0,58.3,23.1,12.7,5.9,TLT:28.0%;MSFT:16.1%;VTI:28.0%;MUB:28.0%,US:62.6;EU:18.3;APAC:11.4;EM:3.7;Other:4.1,Value:-0.3;Growth:-0.4;Quality:+0.2;Size:+0.8;Momentum:+0.6;LowVol:+0.2,NoDerivatives,7,30,5.8,hard 12%,120,26.4,Sideways,19.8,4.02,3.0,91,49,60,45,false,Rebalance,Shift +1% to bonds from equity,-11,-38,BrokerC,LMT,95,None,None,Normal monitoring,79,-35,102,3,false,Increase defensive factor exposure
P8860,Cautious,IRA,USD,2025-03-16,342042,30999,311043,1.0,46.5,43.0,0.0,10.5,VNQ:16.6%;HYG:14.0%;MUB:10.9%;GLD:15.7%;QQQ:21.2%;BRK.B:21.5%,US:69.1;EU:12.0;APAC:7.8;EM:8.9;Other:2.2,Value:-0.8;Growth:0.0;Quality:-0.6;Size:-0.4;Momentum:-1.0;LowVol:+0.4,NoMargin,7,25,4.5,trailing 10%,160,15.7,Volatile,20.6,4.15,3.4,137,-17,39,41,false,NoAction,Within bands; monitor,4,-12,BrokerD,VWAP,88,None,None,Normal monitoring,77,12,148,4,false,Tax-aware sells next window
P8861,Systematic,401k,USD,2025-07-25,1628825,134541,1494284,1.0,63.3,20.6,6.3,9.9,AMZN:22.7%;VOO:20.0%;IEF:22.7%;BND:16.9%;QQQ:17.7%,US:69.0;EU:10.9;APAC:8.4;EM:6.8;Other:5.0,Value:+0.9;Growth:-0.0;Quality:+0.7;Size:+0.2;Momentum:+0.7;LowVol:+0.9,,6,35,5.1,hard 12%,194,26.6,Bear,30.4,4.38,1.0,173,28,63,70,false,Buy,Add to core equity +1%,-9,-32,BrokerA,MKT,91,None,None,Normal monitoring,-6,9,-11,5,false,Monitor dispersion and breadth
P8862,Hands-off,Taxable,USD,2024-12-05,452357,40527,411830,1.0,64.7,17.7,11.9,5.7,VNQ:33.3%;BND:33.3%;AMZN:33.3%,US:70.9;EU:10.8;APAC:7.0;EM:7.9;Other:3.4,Value:-0.0;Growth:+0.2;Quality:-0.1;Size:+0.4;Momentum:+0.1;LowVol:-1.0,NoDerivatives,5,30,5.8,trailing 8%,119,13.8,Bear,31.7,3.1,1.7,166,-55,8,83,true,Hedge,Buy index puts 1% notional,2,-22,BrokerB,VWAP,92,VAR>budget,Reduce,Risk above budget threshold,17,-24,150,5,false,Tighten stops on momentum names
P8863,Cautious,Taxable,USD,2024-08-25,438409,48014,390395,1.0,50.7,35.8,0.0,13.5,TLT:30.7%;VOO:21.6%;MSFT:17.1%;IEF:30.7%,US:60.3;EU:9.2;APAC:14.6;EM:11.4;Other:4.5,Value:-0.8;Growth:-0.2;Quality:+0.1;Size:-0.7;Momentum:-0.5;LowVol:-0.5,ESGOnly;NoDerivatives;NoMargin,5,35,5.6,trailing 8%,134,18.6,Bull,12.3,3.72,3.3,84,83,100,40,true,Hedge,Buy index puts 1% notional,-8,8,BrokerD,MKT,95,VAR>budget,Reduce,Risk above budget threshold,95,-20,127,5,false,Tax-aware sells next window
P8864,Active,401k,USD,2025-12-24,1545509,156017,1389492,1.0,63.4,19.5,8.4,8.7,VOO:28.3%;XLF:28.3%;QQQ:26.2%;TLT:17.2%,US:61.7;EU:16.5;APAC:9.3;EM:11.9;Other:0.5,Value:-1.0;Growth:-0.1;Quality:-0.8;Size:0.0;Momentum:-0.9;LowVol:+0.7,,6,30,5.1,hard 12%,182,19.7,Volatile,25.0,3.99,3.3,148,28,74,71,true,Hedge,Buy index puts 1% notional,7,-27,BrokerC,LMT,94,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-16,-57,-10,4,true,Within IPS guidelines
P8865,Hands-off,Taxable,USD,2025-12-14,724722,65403,659319,1.0,67.2,16.7,10.5,5.6,TSLA:16.9%;BND:21.8%;VNQ:21.8%;TLT:7.5%;MSFT:12.4%;GLD:19.6%,US:67.2;EU:6.8;APAC:15.1;EM:5.8;Other:5.2,Value:+0.7;Growth:-0.6;Quality:+0.3;Size:+0.6;Momentum:+0.4;LowVol:-0.4,ESGOnly;MaxPos8%;NoDerivatives,8,35,4.1,trailing 8%,153,15.7,Bull,15.9,3.94,2.1,118,109,100,53,false,Buy,Add to core equity +1%,31,-36,BrokerC,MKT,95,None,None,Normal monitoring,45,14,145,5,false,Increase defensive factor exposure
P8866,Hands-off,Roth,USD,2025-03-27,284316,12370,271946,1.0,56.4,22.5,11.8,9.4,VTI:32.2%;MSFT:32.2%;HYG:18.3%;BRK.B:17.3%,US:67.4;EU:18.9;APAC:5.7;EM:4.6;Other:3.4,Value:+0.2;Growth:+0.2;Quality:+0.7;Size:+0.6;Momentum:-0.8;LowVol:+0.5,MaxPos8%;NoDerivatives,8,25,4.9,trailing 8%,165,16.2,Volatile,24.5,5.34,3.6,149,-28,28,60,false,Rebalance,Shift +1% to bonds from equity,-14,-23,BrokerA,MKT,97,None,None,Normal monitoring,87,-56,123,5,false,Within IPS guidelines
P8867,Hands-off,Taxable,USD,2025-09-11,597922,45268,552654,1.0,71.8,19.3,0.0,8.9,VOO:25.0%;VTI:25.0%;VNQ:25.0%;MSFT:25.0%,US:72.8;EU:8.9;APAC:4.8;EM:10.3;Other:3.1,Value:+0.3;Growth:-0.9;Quality:-0.3;Size:+0.6;Momentum:-0.6;LowVol:-0.8,NoDerivatives,5,30,5.4,trailing 8%,96,15.3,Bear,26.8,3.87,3.0,197,36,58,85,true,Rebalance,Rebalance back to target bands,-4,-23,BrokerC,MKT,85,Drift>tolerance,Reduce,Allocation drift beyond policy bands,100,-58,207,3,false,Monitor dispersion and breadth
P8868,Opportunistic,Taxable,USD,2025-06-15,1054377,39801,1014576,1.0,65.2,10.7,16.9,7.2,QQQ:21.3%;MSFT:10.4%;BND:15.3%;AAPL:11.9%;HYG:19.8%;GLD:21.3%,US:65.8;EU:18.7;APAC:5.4;EM:7.7;Other:2.4,Value:+0.6;Growth:+1.0;Quality:-0.3;Size:+0.1;Momentum:-0.2;LowVol:-0.0,MaxPos5%;NoDerivatives,10,25,6.6,hard 12%,171,24.2,Bull,15.3,4.22,2.1,95,48,85,58,false,Rebalance,Shift +1% to bonds from equity,18,-22,BrokerA,VWAP,96,None,None,Normal monitoring,111,-1,75,4,false,Tax-aware sells next window
P8869,Systematic,Roth,USD,2025-08-20,870547,75039,795508,1.0,55.2,31.9,3.9,9.0,MUB:19.4%;GLD:21.2%;HYG:18.6%;VTI:21.2%;AMZN:19.7%,US:64.8;EU:17.3;APAC:9.4;EM:6.3;Other:2.2,Value:+0.1;Growth:+0.8;Quality:-0.3;Size:-0.2;Momentum:+0.3;LowVol:-0.5,NoDerivatives,8,30,5.5,trailing 9%,215,17.2,Bull,13.4,4.14,3.1,111,84,100,37,false,Sell,Trim extended winner -1%,-2,0,BrokerC,VWAP,94,None,None,Normal monitoring,-24,-51,52,4,false,Monitor dispersion and breadth
P8870,Systematic,401k,USD,2025-03-15,1727489,99969,1627520,1.0,63.4,29.2,0.0,7.4,IEF:20.9%;BRK.B:22.4%;VOO:23.2%;TSLA:14.6%;VTI:18.9%,US:63.7;EU:12.4;APAC:13.3;EM:6.3;Other:4.4,Value:+0.9;Growth:+0.1;Quality:0.0;Size:+0.2;Momentum:+0.6;LowVol:-0.4,,10,25,5.0,trailing 8%,191,18.8,Volatile,27.3,3.9,2.4,180,20,54,80,true,Reduce,"Cut high-beta by 2-3%, add cash",-13,-24,BrokerA,VWAP,90,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,66,-15,115,2,false,Tax-aware sells next window
P8871,Systematic,Trust,USD,2025-04-20,526602,35805,490797,1.0,57.6,28.1,7.5,6.8,GLD:21.1%;AAPL:8.4%;BND:19.1%;TLT:20.9%;MSFT:14.1%;QQQ:16.4%,US:63.2;EU:16.5;APAC:12.4;EM:4.1;Other:3.9,Value:+0.1;Growth:-0.2;Quality:+0.2;Size:-0.9;Momentum:0.0;LowVol:-1.0,,10,25,4.4,trailing 8%,186,17.3,Bull,14.8,4.2,2.4,86,52,86,34,false,Hedge,Add TLT +1% as duration hedge,4,8,BrokerC,MKT,91,None,None,Normal monitoring,38,-45,164,4,false,Monitor dispersion and breadth
P8872,Active,Trust,USD,2025-07-02,1167684,95884,1071800,1.0,53.5,29.6,9.5,7.4,VOO:26.5%;XLF:20.4%;MUB:26.5%;BRK.B:26.5%,US:73.9;EU:10.3;APAC:10.8;EM:4.7;Other:0.3,Value:-0.6;Growth:-0.1;Quality:-0.3;Size:-0.6;Momentum:+0.8;LowVol:-0.7,MaxPos5%;NoDerivatives,8,35,4.9,hard 12%,198,25.7,Sideways,17.5,4.05,3.1,110,44,60,53,false,Rebalance,Shift +1% to bonds from equity,6,7,BrokerD,LMT,94,None,None,Normal monitoring,64,-9,55,3,false,Tax-aware sells next window
P8873,Cautious,Taxable,USD,2025-03-06,282716,40248,242468,1.0,47.3,38.9,3.8,10.0,VNQ:33.3%;MSFT:33.3%;QQQ:33.3%,US:60.2;EU:14.3;APAC:11.3;EM:11.0;Other:3.2,Value:+0.7;Growth:+0.5;Quality:-0.5;Size:+0.7;Momentum:-0.8;LowVol:-0.7,NoMargin,10,30,3.6,hard 10%,142,12.2,Volatile,30.0,4.88,4.5,121,31,52,63,false,Buy,Add to core equity +1%,-6,-5,BrokerC,LMT,93,None,None,Normal monitoring,53,-56,127,3,false,Tighten stops on momentum names
P8874,Cautious,Roth,USD,2025-05-26,554037,80159,473878,1.0,47.9,38.1,0.0,14.0,MUB:37.9%;GLD:24.1%;QQQ:37.9%,US:67.6;EU:8.6;APAC:16.6;EM:6.9;Other:0.3,Value:-0.1;Growth:+0.3;Quality:+0.7;Size:+0.2;Momentum:+0.7;LowVol:-0.1,ESGOnly;NoMargin,8,30,5.2,trailing 8%,90,18.3,Volatile,29.2,5.28,3.6,129,-35,19,73,true,Reduce,"Cut high-beta by 2-3%, add cash",20,-6,BrokerA,MKT,85,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-16,-54,-52,2,false,Monitor dispersion and breadth
P8875,Opportunistic,Trust,USD,2025-11-20,332024,23487,308537,1.0,65.0,10.5,17.5,7.0,HYG:10.6%;TLT:15.3%;IEF:24.1%;XLF:13.9%;BRK.B:23.7%;GLD:12.4%,US:72.8;EU:7.6;APAC:11.0;EM:8.5;Other:0.1,Value:+1.0;Growth:+0.7;Quality:+0.8;Size:+0.8;Momentum:+0.2;LowVol:+0.2,MaxPos5%,6,30,5.5,trailing 7%,224,31.4,Bull,15.3,4.36,3.0,87,110,100,48,false,Rebalance,Shift +1% to bonds from equity,5,-30,BrokerA,LMT,96,None,None,Normal monitoring,88,10,221,3,false,Tighten stops on momentum names
P8876,Systematic,Roth,USD,2024-07-15,1460312,119904,1340408,1.0,55.8,33.5,4.8,6.0,TLT:15.6%;BND:6.6%;VNQ:20.3%;BRK.B:20.3%;IEF:17.5%;MSFT:19.8%,US:78.4;EU:7.2;APAC:7.5;EM:3.1;Other:3.8,Value:+0.7;Growth:-0.1;Quality:-0.4;Size:-0.0;Momentum:+0.5;LowVol:+0.6,MaxPos5%,5,30,5.6,trailing 8%,206,21.3,Bear,23.2,3.49,2.4,150,-112,5,50,true,Rebalance,Rebalance back to target bands,28,10,BrokerC,MKT,96,Drift>tolerance,Reduce,Allocation drift beyond policy bands,68,1,115,5,false,Tighten stops on momentum names
P8877,Active,IRA,USD,2024-09-14,1287010,101564,1185446,1.0,68.0,21.9,4.4,5.7,BRK.B:13.3%;VTI:21.1%;MSFT:16.5%;VOO:19.5%;HYG:16.6%;IEF:13.1%,US:64.1;EU:16.7;APAC:11.4;EM:4.2;Other:3.7,Value:+0.7;Growth:+0.7;Quality:+0.2;Size:+0.4;Momentum:-0.2;LowVol:-0.9,,7,25,5.0,trailing 9%,203,25.0,Sideways,16.8,3.69,2.9,126,17,69,58,false,Sell,Trim extended winner -1%,17,-36,BrokerA,LMT,88,None,None,Normal monitoring,40,16,93,5,false,Increase defensive factor exposure
P8878,Hands-off,IRA,USD,2025-04-06,731279,36940,694339,1.0,64.0,20.6,7.0,8.3,MUB:33.3%;HYG:33.3%;AAPL:33.3%,US:67.5;EU:14.0;APAC:10.0;EM:4.4;Other:4.2,Value:+0.6;Growth:0.0;Quality:-0.6;Size:-0.1;Momentum:-0.3;LowVol:-1.0,ESGOnly;MaxPos5%,6,30,5.3,trailing 8%,154,15.7,Bear,28.1,3.53,2.5,141,-82,5,72,true,Hedge,Buy index puts 1% notional,5,12,BrokerB,VWAP,97,RegimeShift,Hedge,Volatility spike and breadth deterioration,12,5,11,4,false,Monitor dispersion and breadth
P8879,Active,Roth,USD,2025-10-21,894432,81740,812692,1.0,51.7,25.3,17.7,5.2,VOO:23.2%;AAPL:29.3%;QQQ:29.3%;VNQ:18.2%,US:62.0;EU:17.3;APAC:10.4;EM:5.6;Other:4.8,Value:-0.2;Growth:-0.4;Quality:-0.7;Size:-0.6;Momentum:+0.9;LowVol:+0.8,MaxPos5%,8,30,4.9,trailing 9%,230,24.3,Bear,27.8,4.35,2.6,179,-65,23,75,true,Hedge,Buy index puts 1% notional,21,-3,BrokerA,MKT,95,RegimeShift,Hedge,Volatility spike and breadth deterioration,18,-10,82,5,false,Monitor dispersion and breadth
P8880,Systematic,IRA,USD,2024-08-12,1447624,122956,1324668,1.0,64.4,30.4,0.0,5.2,TLT:26.4%;VTI:26.4%;AMZN:26.4%;BRK.B:20.9%,US:76.3;EU:5.2;APAC:9.6;EM:5.6;Other:3.3,Value:+0.8;Growth:-0.7;Quality:+0.6;Size:-0.8;Momentum:+0.2;LowVol:-0.9,MaxPos5%;NoDerivatives,10,35,4.1,trailing 9%,197,21.4,Bull,11.0,3.87,3.1,107,84,93,45,false,NoAction,Within bands; monitor,-2,-17,BrokerC,MKT,0,None,None,Normal monitoring,23,0,-6,4,false,Monitor dispersion and breadth
P8881,Cautious,Roth,USD,2025-03-05,881970,111435,770535,1.0,38.3,34.9,12.5,14.3,BRK.B:23.0%;HYG:9.4%;IEF:22.1%;TSLA:23.0%;GLD:22.5%,US:64.4;EU:8.0;APAC:12.6;EM:12.3;Other:2.6,Value:+0.4;Growth:+0.9;Quality:+0.1;Size:-0.8;Momentum:-0.1;LowVol:+0.3,NoMargin,10,35,4.1,trailing 8%,116,14.2,Bull,15.7,3.63,2.4,74,71,92,25,false,Rebalance,Shift +1% to bonds from equity,-6,4,BrokerA,MKT,98,None,None,Normal monitoring,119,-39,131,4,false,Monitor dispersion and breadth
P8882,Active,IRA,USD,2025-06-18,2056659,133479,1923180,1.0,63.8,29.5,0.0,6.7,BND:20.7%;AMZN:7.3%;VTI:20.7%;IEF:20.7%;HYG:18.5%;GLD:12.3%,US:71.7;EU:6.9;APAC:7.8;EM:9.9;Other:3.7,Value:-0.7;Growth:-0.5;Quality:-0.1;Size:-0.8;Momentum:+0.7;LowVol:+0.8,MaxPos6%,7,25,5.7,trailing 8%,212,17.4,Volatile,22.8,4.76,2.5,148,53,61,55,false,Buy,Add to core equity +1%,5,-30,BrokerA,LMT,88,None,None,Normal monitoring,115,-9,146,4,false,Within IPS guidelines
P8883,Hands-off,Trust,USD,2025-10-18,256875,15175,241700,1.0,62.0,28.2,1.4,8.5,GLD:16.6%;TLT:14.6%;MSFT:19.0%;VNQ:24.9%;QQQ:24.9%,US:55.3;EU:18.5;APAC:14.0;EM:7.8;Other:4.5,Value:+0.5;Growth:-0.2;Quality:-0.0;Size:-0.9;Momentum:+0.7;LowVol:-0.1,ESGOnly,10,30,4.3,hard 10%,132,14.3,Volatile,23.7,4.95,2.4,180,42,64,70,false,Sell,Trim extended winner -1%,-8,7,BrokerD,LMT,99,None,None,Normal monitoring,97,-57,183,5,false,Tighten stops on momentum names
P8884,Opportunistic,Trust,USD,2024-12-16,1641688,122931,1518757,1.0,60.8,10.8,22.4,6.0,HYG:22.1%;MSFT:14.0%;MUB:22.1%;TSLA:13.0%;BND:12.9%;AMZN:16.0%,US:64.4;EU:16.4;APAC:9.5;EM:6.5;Other:3.2,Value:-0.1;Growth:+0.4;Quality:+0.2;Size:+0.6;Momentum:+0.3;LowVol:-0.9,,8,30,4.5,hard 12%,217,22.5,Bull,14.4,3.65,3.3,74,44,76,44,true,Reduce,"Cut high-beta by 2-3%, add cash",-9,-34,BrokerD,VWAP,86,RegimeShift,Hedge,Volatility spike and breadth deterioration,116,-47,148,4,false,Tighten stops on momentum names
P8885,Active,IRA,USD,2025-09-03,1583033,128044,1454989,1.0,66.6,28.5,0.0,4.8,AMZN:31.2%;XLF:34.4%;TSLA:34.4%,US:71.7;EU:10.3;APAC:10.1;EM:5.4;Other:2.4,Value:+0.8;Growth:+0.3;Quality:+0.2;Size:-0.7;Momentum:-0.3;LowVol:-0.8,MaxPos6%,8,35,5.6,trailing 8%,190,18.6,Bull,17.6,4.64,3.4,76,20,73,55,false,Sell,Trim extended winner -1%,30,-8,BrokerD,MKT,94,None,None,Normal monitoring,-56,-28,83,3,false,Within IPS guidelines
P8886,Hands-off,IRA,USD,2025-12-22,732724,41828,690896,1.0,66.1,25.4,0.0,8.5,HYG:34.2%;GLD:31.6%;VOO:34.2%,US:68.7;EU:9.2;APAC:9.3;EM:8.7;Other:4.2,Value:-0.0;Growth:-0.5;Quality:-0.4;Size:+0.1;Momentum:+0.5;LowVol:-0.7,ESGOnly;MaxPos7%,6,25,5.5,hard 10%,160,15.2,Sideways,14.7,4.77,3.4,130,54,92,41,false,Rebalance,Shift +1% to bonds from equity,15,-2,BrokerC,VWAP,94,None,None,Normal monitoring,48,-47,111,3,false,Tax-aware sells next window
P8887,Cautious,Roth,USD,2024-08-08,873091,93827,779264,1.0,39.5,36.8,10.9,12.8,TSLA:33.3%;VNQ:33.3%;TLT:33.3%,US:73.7;EU:10.6;APAC:7.2;EM:4.0;Other:4.5,Value:+0.8;Growth:+0.1;Quality:-0.5;Size:-0.4;Momentum:+0.9;LowVol:-0.5,ESGOnly;NoMargin,6,35,5.6,trailing 8%,120,18.5,Bull,18.0,4.68,3.1,119,88,100,31,false,Rebalance,Shift +1% to bonds from equity,-5,-27,BrokerC,LMT,97,None,None,Normal monitoring,60,-33,146,5,false,Increase defensive factor exposure
P8888,Hands-off,Roth,USD,2024-07-24,829279,53964,775315,1.0,69.1,22.9,0.0,8.0,QQQ:27.0%;VOO:19.0%;AMZN:27.0%;GLD:27.0%,US:60.8;EU:20.9;APAC:8.4;EM:6.4;Other:3.5,Value:+0.9;Growth:-0.7;Quality:-0.2;Size:+0.5;Momentum:-0.1;LowVol:+0.6,MaxPos7%,5,25,5.3,trailing 8%,164,17.4,Bear,28.4,3.46,2.3,195,-80,5,87,true,Rebalance,Rebalance back to target bands,-5,-24,BrokerB,LMT,86,Drift>tolerance,Reduce,Allocation drift beyond policy bands,76,-1,155,4,false,Increase defensive factor exposure
P8889,Active,401k,USD,2025-03-18,668992,74093,594899,1.0,52.0,23.5,18.1,6.4,HYG:33.3%;GLD:33.3%;QQQ:33.3%,US:69.3;EU:6.7;APAC:12.0;EM:7.4;Other:4.7,Value:-0.7;Growth:-0.5;Quality:+0.2;Size:+0.4;Momentum:+0.2;LowVol:-1.0,MaxPos5%,7,25,4.7,trailing 8%,133,27.8,Sideways,21.2,3.75,3.0,106,47,72,58,false,Rebalance,Shift +1% to bonds from equity,10,-11,BrokerD,MKT,94,None,None,Normal monitoring,31,-50,35,5,false,Monitor dispersion and breadth
P8890,Active,Roth,USD,2025-05-18,1401801,166618,1235183,1.0,55.3,30.3,9.2,5.2,AAPL:33.3%;VOO:33.3%;MUB:33.3%,US:71.3;EU:5.0;APAC:9.9;EM:9.6;Other:4.3,Value:-0.7;Growth:-0.4;Quality:+0.2;Size:+0.3;Momentum:-1.0;LowVol:+0.4,MaxPos8%,10,30,5.1,trailing 8%,190,27.4,Volatile,29.5,4.83,4.2,140,-35,36,63,false,Sell,Trim extended winner -1%,21,-39,BrokerA,MKT,98,None,None,Normal monitoring,49,-42,167,3,false,Monitor dispersion and breadth
P8891,Active,Roth,USD,2025-08-15,717238,57643,659595,1.0,58.9,24.0,9.6,7.4,QQQ:27.9%;VTI:22.1%;VOO:27.9%;BRK.B:22.1%,US:63.1;EU:15.1;APAC:10.3;EM:11.3;Other:0.3,Value:-0.4;Growth:+0.1;Quality:+0.9;Size:+0.9;Momentum:+0.4;LowVol:-0.2,,10,30,5.6,trailing 8%,198,16.8,Volatile,20.1,5.06,4.2,156,3,64,59,true,Reduce,"Cut high-beta by 2-3%, add cash",31,-1,BrokerA,LMT,96,Drift>tolerance,Reduce,Allocation drift beyond policy bands,56,8,131,4,false,Within IPS guidelines
P8892,Active,Roth,USD,2025-05-10,1453925,87645,1366280,1.0,51.4,20.9,18.7,9.1,MUB:21.3%;IEF:17.7%;TSLA:30.5%;GLD:30.5%,US:62.9;EU:14.7;APAC:12.6;EM:8.7;Other:1.1,Value:+0.7;Growth:-0.6;Quality:+0.1;Size:-0.4;Momentum:-0.8;LowVol:-0.0,MaxPos8%;NoDerivatives,7,30,4.7,trailing 9%,191,21.0,Volatile,29.9,4.39,2.4,130,-40,21,77,true,Hedge,Buy index puts 1% notional,3,3,BrokerA,VWAP,89,Drift>tolerance,Reduce,Allocation drift beyond policy bands,24,-19,81,2,false,Tax-aware sells next window
P8893,Cautious,Roth,USD,2025-04-30,834267,110027,724240,1.0,50.6,30.0,8.2,11.2,MSFT:33.6%;MUB:33.6%;VOO:32.7%,US:66.9;EU:8.2;APAC:17.1;EM:6.8;Other:1.0,Value:-0.6;Growth:0.0;Quality:-0.6;Size:+0.6;Momentum:+0.5;LowVol:-0.5,NoMargin,8,25,4.7,hard 10%,166,18.6,Bull,13.6,4.34,2.4,85,117,100,41,false,Buy,Add to core equity +1%,25,-19,BrokerB,LMT,95,None,None,Normal monitoring,103,15,93,5,false,Monitor dispersion and breadth
P8894,Hands-off,Roth,USD,2025-06-01,479736,38307,441429,1.0,64.8,26.9,0.0,8.3,AAPL:12.4%;BND:22.3%;BRK.B:18.0%;AMZN:22.3%;TLT:12.7%;VNQ:12.2%,US:65.5;EU:17.4;APAC:11.6;EM:3.2;Other:2.4,Value:+0.6;Growth:+0.4;Quality:-0.9;Size:-0.0;Momentum:-0.7;LowVol:+0.3,MaxPos6%;NoDerivatives,10,30,4.5,hard 10%,126,16.5,Sideways,17.1,4.99,3.5,134,-23,27,55,false,Buy,Add to core equity +1%,-10,-22,BrokerD,VWAP,99,None,None,Normal monitoring,110,-55,81,3,false,Monitor dispersion and breadth
P8895,Hands-off,IRA,USD,2025-08-25,652042,65111,586931,1.0,69.8,22.1,0.0,8.0,TLT:33.3%;BND:33.3%;GLD:33.3%,US:58.2;EU:21.0;APAC:9.8;EM:10.2;Other:0.9,Value:+0.1;Growth:+0.2;Quality:+0.2;Size:-1.0;Momentum:+1.0;LowVol:+0.4,MaxPos8%;NoDerivatives,8,35,4.2,hard 10%,109,18.4,Volatile,29.3,4.62,2.8,152,-55,13,83,true,Rebalance,Rebalance back to target bands,21,-13,BrokerD,MKT,85,VAR>budget,Hedge,Risk above budget threshold,-48,14,-21,4,false,Tighten stops on momentum names
P8896,Active,Trust,USD,2025-10-06,675018,76629,598389,1.0,68.1,25.8,0.4,5.6,BRK.B:19.4%;MSFT:12.2%;TSLA:18.6%;XLF:13.8%;TLT:15.8%;MUB:20.2%,US:62.9;EU:9.7;APAC:11.2;EM:12.9;Other:3.3,Value:-0.4;Growth:+0.2;Quality:+0.1;Size:+0.6;Momentum:+0.9;LowVol:-0.3,,10,30,4.3,hard 12%,201,22.5,Bull,11.9,4.95,3.0,83,41,69,53,false,Sell,Trim extended winner -1%,18,4,BrokerC,LMT,98,None,None,Normal monitoring,-50,-12,-62,4,false,Tighten stops on momentum names
P8897,Systematic,Taxable,USD,2024-07-08,1191170,115511,1075659,1.0,56.7,23.1,15.0,5.2,IEF:23.3%;VTI:28.7%;AMZN:19.4%;MSFT:28.7%,US:66.7;EU:12.4;APAC:10.4;EM:10.0;Other:0.5,Value:+1.0;Growth:-0.4;Quality:+0.9;Size:+0.5;Momentum:+0.4;LowVol:-0.9,,8,35,5.4,trailing 8%,216,25.0,Bear,27.4,3.01,2.4,170,-34,41,72,true,Hedge,Buy index puts 1% notional,32,1,BrokerD,MKT,92,Drift>tolerance,Reduce,Allocation drift beyond policy bands,21,-13,146,5,false,Increase defensive factor exposure
P8898,Hands-off,Trust,USD,2024-10-04,151608,13692,137916,1.0,69.2,23.6,1.9,5.4,BND:26.5%;TLT:26.5%;XLF:26.5%;VNQ:20.5%,US:60.7;EU:17.2;APAC:10.6;EM:7.4;Other:4.2,Value:+0.2;Growth:-0.4;Quality:+0.6;Size:+1.0;Momentum:-0.7;LowVol:+0.3,MaxPos7%,8,25,3.3,trailing 10%,119,18.8,Bull,17.3,4.94,3.0,91,69,96,55,false,Rebalance,Shift +1% to bonds from equity,0,4,BrokerC,LMT,96,None,None,Normal monitoring,-6,12,-18,5,false,Tax-aware sells next window
P8899,Active,401k,USD,2025-11-10,1850595,165514,1685081,1.0,61.4,28.7,0.2,9.7,AMZN:33.6%;IEF:32.8%;BRK.B:33.6%,US:70.2;EU:12.3;APAC:6.6;EM:6.0;Other:5.0,Value:+1.0;Growth:-0.2;Quality:+0.1;Size:-0.4;Momentum:-0.4;LowVol:+0.2,MaxPos7%,5,25,5.7,hard 12%,140,20.9,Bull,13.5,4.31,2.6,106,96,96,46,false,Buy,Add to core equity +1%,16,-26,BrokerD,LMT,98,None,None,Normal monitoring,68,-1,56,4,false,Monitor dispersion and breadth
P8900,Active,Taxable,USD,2025-10-11,2474456,154491,2319965,1.0,64.9,18.7,8.6,7.8,AMZN:14.9%;VOO:21.0%;IEF:11.0%;MSFT:21.0%;VTI:21.0%;XLF:11.2%,US:69.4;EU:10.4;APAC:8.5;EM:7.5;Other:4.2,Value:-0.5;Growth:+0.1;Quality:-0.1;Size:-0.8;Momentum:-0.7;LowVol:-0.2,NoDerivatives,8,25,4.9,trailing 8%,131,20.0,Bear,34.7,3.39,2.3,137,-75,8,92,true,Hedge,Buy index puts 1% notional,2,-19,BrokerD,MKT,93,Drift>tolerance,Pause,Allocation drift beyond policy bands,82,-29,186,5,true,Increase defensive factor exposure
P8901,Systematic,IRA,USD,2024-10-27,430435,35597,394838,1.0,59.7,33.4,0.6,6.2,BRK.B:25.0%;VOO:25.0%;QQQ:25.0%;HYG:25.0%,US:74.6;EU:12.5;APAC:6.5;EM:3.9;Other:2.6,Value:-0.7;Growth:+1.0;Quality:-0.1;Size:0.0;Momentum:-1.0;LowVol:-0.0,MaxPos5%,6,25,5.7,trailing 8%,177,22.5,Bull,11.6,3.79,2.0,112,116,100,31,false,Hedge,Add TLT +1% as duration hedge,33,-19,BrokerA,LMT,88,None,None,Normal monitoring,6,4,-15,4,false,Increase defensive factor exposure
P8902,Systematic,401k,USD,2024-11-20,1232040,118111,1113929,1.0,60.2,30.7,0.0,9.1,TSLA:22.4%;BRK.B:22.4%;QQQ:14.0%;HYG:21.2%;MSFT:19.9%,US:61.4;EU:15.6;APAC:11.7;EM:7.2;Other:4.0,Value:-0.1;Growth:-0.3;Quality:+0.1;Size:+0.2;Momentum:+1.0;LowVol:-0.2,MaxPos5%,5,35,5.6,trailing 9%,172,17.2,Volatile,25.6,4.77,2.6,140,-2,52,64,false,Buy,Add to core equity +1%,-3,3,BrokerC,MKT,100,None,None,Normal monitoring,75,-2,101,5,false,Tax-aware sells next window
P8903,Opportunistic,IRA,USD,2024-10-02,899836,79247,820589,1.0,77.4,10.9,6.4,5.4,TSLA:33.3%;AMZN:33.3%;IEF:33.3%,US:67.7;EU:12.8;APAC:7.9;EM:9.0;Other:2.7,Value:-0.4;Growth:-0.6;Quality:+0.6;Size:-0.6;Momentum:+0.6;LowVol:-0.3,,8,35,4.4,hard 12%,257,23.6,Bull,11.7,4.02,2.2,74,7,42,48,true,Reduce,"Cut high-beta by 2-3%, add cash",30,-5,BrokerD,MKT,87,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-44,9,5,5,false,Tighten stops on momentum names
P8904,Opportunistic,IRA,USD,2024-07-08,656296,32359,623937,1.22,76.7,14.8,0.0,8.5,MSFT:28.2%;TLT:28.2%;QQQ:24.0%;VNQ:19.5%,US:62.6;EU:14.9;APAC:11.4;EM:7.1;Other:4.0,Value:+0.3;Growth:-0.6;Quality:+0.1;Size:-0.7;Momentum:-0.4;LowVol:-0.3,,8,30,5.7,trailing 9%,233,23.3,Bull,14.1,4.33,2.7,101,87,95,49,false,Buy,Add to core equity +1%,-12,-2,BrokerD,LMT,91,None,None,Normal monitoring,71,-36,145,4,false,Increase defensive factor exposure
P8905,Hands-off,Trust,USD,2025-01-30,163615,9678,153937,1.0,67.4,27.3,0.0,5.2,VTI:19.1%;MSFT:9.6%;BND:20.7%;HYG:20.7%;AMZN:19.6%;MUB:10.3%,US:62.3;EU:16.6;APAC:7.3;EM:10.1;Other:3.6,Value:+0.4;Growth:-0.5;Quality:-0.4;Size:+0.4;Momentum:+0.5;LowVol:+0.7,,5,35,5.2,trailing 8%,162,15.8,Bull,16.9,3.76,3.3,71,103,100,60,false,Rebalance,Shift +1% to bonds from equity,31,6,BrokerB,LMT,90,None,None,Normal monitoring,89,-2,150,4,false,Increase defensive factor exposure
P8906,Systematic,Taxable,USD,2025-04-25,1823293,149485,1673808,1.0,62.6,29.2,0.0,8.2,MSFT:18.7%;VNQ:18.9%;BRK.B:17.9%;XLF:15.6%;TSLA:14.5%;HYG:14.4%,US:62.9;EU:16.2;APAC:10.6;EM:8.0;Other:2.3,Value:0.0;Growth:+0.4;Quality:+0.7;Size:+0.7;Momentum:-0.1;LowVol:+0.1,MaxPos8%,10,25,5.6,trailing 8%,122,23.1,Sideways,19.0,3.65,2.0,127,-25,30,61,true,Hedge,Buy index puts 1% notional,34,-21,BrokerA,VWAP,92,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-42,-3,17,5,false,Tax-aware sells next window
P8907,Active,Taxable,USD,2024-12-21,1160934,72900,1088034,1.1,62.8,29.4,2.5,5.3,IEF:21.5%;XLF:26.2%;HYG:26.2%;TLT:26.2%,US:62.1;EU:15.1;APAC:8.6;EM:9.7;Other:4.5,Value:-0.7;Growth:-0.3;Quality:+0.8;Size:-0.6;Momentum:-0.3;LowVol:-0.7,,10,35,5.0,hard 12%,168,23.7,Bull,12.9,3.67,2.5,120,17,63,51,false,Rebalance,Shift +1% to bonds from equity,-4,-16,BrokerD,MKT,100,None,None,Normal monitoring,81,17,155,5,false,Monitor dispersion and breadth
P8908,Cautious,Trust,USD,2025-09-22,216891,20108,196783,1.0,40.7,37.7,8.3,13.2,TLT:18.0%;AAPL:24.2%;MUB:9.6%;BRK.B:24.2%;AMZN:24.2%,US:63.9;EU:18.0;APAC:13.0;EM:3.7;Other:1.4,Value:+0.8;Growth:-0.7;Quality:-0.4;Size:+0.9;Momentum:+0.4;LowVol:-0.6,ESGOnly;MaxPos6%;NoDerivatives;NoMargin,6,35,4.0,hard 10%,104,12.4,Volatile,23.3,3.96,2.2,159,-54,11,51,false,Rebalance,Shift +1% to bonds from equity,-7,0,BrokerB,LMT,93,None,None,Normal monitoring,106,-50,194,5,false,Tighten stops on momentum names
P8909,Hands-off,Taxable,USD,2024-08-30,594831,42976,551855,1.0,65.3,27.6,0.0,7.0,QQQ:14.0%;MSFT:16.9%;AMZN:15.3%;BRK.B:12.8%;GLD:20.8%;TSLA:20.3%,US:61.0;EU:16.5;APAC:9.0;EM:11.1;Other:2.4,Value:+0.3;Growth:0.0;Quality:-0.4;Size:+0.8;Momentum:-0.4;LowVol:-0.6,MaxPos6%,7,30,4.1,trailing 8%,95,17.2,Bull,17.7,4.5,3.0,104,93,93,58,false,Sell,Trim extended winner -1%,-1,-11,BrokerA,LMT,86,None,None,Normal monitoring,-25,-57,28,5,false,Increase defensive factor exposure
P8910,Hands-off,Taxable,USD,2025-05-28,832975,65217,767758,1.0,64.0,21.7,5.3,9.0,MUB:20.5%;MSFT:16.8%;IEF:10.1%;GLD:20.5%;TLT:13.7%;VNQ:18.5%,US:75.3;EU:8.8;APAC:11.6;EM:3.6;Other:0.8,Value:-0.0;Growth:-0.1;Quality:-0.3;Size:-0.3;Momentum:+0.6;LowVol:-0.3,ESGOnly,7,25,3.9,hard 10%,112,14.8,Sideways,17.5,4.98,2.2,119,47,87,60,false,Rebalance,Shift +1% to bonds from equity,1,-40,BrokerB,LMT,98,None,None,Normal monitoring,-47,-48,6,3,false,Within IPS guidelines
P8911,Opportunistic,Roth,USD,2025-10-01,357927,12844,345083,1.0,75.4,20.6,0.0,4.1,TSLA:18.6%;VOO:15.3%;QQQ:17.1%;AAPL:7.3%;MSFT:20.9%;BND:20.9%,US:59.1;EU:18.2;APAC:11.4;EM:6.1;Other:5.2,Value:+0.7;Growth:-0.1;Quality:+0.2;Size:-0.6;Momentum:-0.0;LowVol:+0.4,,6,25,6.2,hard 12%,220,34.4,Bull,14.6,3.65,2.5,96,56,83,59,false,Sell,Trim extended winner -1%,14,-14,BrokerD,LMT,98,None,None,Normal monitoring,7,-5,6,5,false,Increase defensive factor exposure
P8912,Hands-off,Roth,USD,2024-07-14,409092,34373,374719,1.0,67.4,25.8,1.1,5.7,GLD:25.6%;VNQ:25.6%;QQQ:25.6%;TLT:23.3%,US:71.4;EU:9.2;APAC:11.1;EM:6.5;Other:1.8,Value:-0.6;Growth:+0.7;Quality:+0.7;Size:+0.5;Momentum:-0.6;LowVol:+0.9,,8,30,4.8,trailing 8%,155,14.4,Bull,17.0,4.74,2.1,74,33,52,48,false,Sell,Trim extended winner -1%,8,-36,BrokerB,MKT,94,None,None,Normal monitoring,-36,-42,-42,4,false,Within IPS guidelines
P8913,Cautious,401k,USD,2024-07-25,292749,36940,255809,1.0,44.5,34.1,4.2,17.2,MUB:26.8%;HYG:26.8%;AMZN:26.8%;IEF:19.7%,US:69.4;EU:14.3;APAC:10.4;EM:3.7;Other:2.2,Value:-0.0;Growth:+0.5;Quality:-0.6;Size:-0.2;Momentum:+0.6;LowVol:+0.2,NoMargin,6,25,6.0,trailing 8%,160,14.9,Volatile,27.6,4.92,4.1,125,63,66,63,false,Hedge,Add TLT +1% as duration hedge,9,-26,BrokerC,MKT,85,None,None,Normal monitoring,72,16,49,3,false,Increase defensive factor exposure
P8914,Opportunistic,Trust,USD,2025-08-19,1125248,69352,1055896,1.12,68.6,21.3,5.7,4.4,IEF:24.2%;TLT:11.6%;HYG:21.4%;MUB:18.7%;GLD:24.2%,US:60.8;EU:13.9;APAC:15.8;EM:8.3;Other:1.1,Value:-0.4;Growth:-0.3;Quality:-0.8;Size:+0.4;Momentum:-0.4;LowVol:+0.4,MaxPos7%,7,30,5.1,hard 12%,185,28.5,Sideways,14.4,4.72,2.8,131,41,72,51,false,Rebalance,Shift +1% to bonds from equity,-11,-9,BrokerA,VWAP,97,None,None,Normal monitoring,28,-32,82,4,false,Increase defensive factor exposure
P8915,Cautious,Roth,USD,2024-08-24,690033,89453,600580,1.0,47.5,32.1,4.0,16.4,TSLA:22.8%;VOO:12.2%;TLT:19.4%;QQQ:22.8%;AAPL:22.8%,US:66.9;EU:17.5;APAC:5.7;EM:6.0;Other:3.9,Value:+0.6;Growth:+0.1;Quality:-0.9;Size:+0.8;Momentum:-0.5;LowVol:+0.6,ESGOnly;NoMargin,6,25,3.2,trailing 8%,134,13.0,Sideways,18.4,4.35,2.9,101,52,79,40,false,Hedge,Add TLT +1% as duration hedge,-13,-36,BrokerB,MKT,92,None,None,Normal monitoring,95,-3,227,3,false,Within IPS guidelines
P8916,Hands-off,Taxable,USD,2024-10-01,815769,41417,774352,1.0,71.0,20.6,0.0,8.4,AMZN:33.3%;HYG:33.3%;AAPL:33.3%,US:69.1;EU:7.6;APAC:11.7;EM:9.5;Other:2.1,Value:-0.9;Growth:-0.3;Quality:+0.5;Size:-0.2;Momentum:+0.1;LowVol:-0.9,NoDerivatives,8,25,4.6,trailing 8%,138,16.5,Volatile,30.5,5.03,3.0,167,-34,35,88,true,Reduce,"Cut high-beta by 2-3%, add cash",5,2,BrokerB,LMT,100,VAR>budget,Reduce,Risk above budget threshold,51,11,15,5,false,Tighten stops on momentum names
P8917,Hands-off,Roth,USD,2025-10-30,697340,52330,645010,1.0,69.4,21.8,0.0,8.8,XLF:22.8%;IEF:22.8%;MSFT:22.8%;AMZN:22.8%;MUB:8.8%,US:72.1;EU:6.1;APAC:10.0;EM:11.0;Other:0.7,Value:-0.3;Growth:+0.1;Quality:+1.0;Size:-0.3;Momentum:-0.1;LowVol:-0.4,,10,30,5.3,trailing 10%,127,15.9,Bull,13.9,4.76,3.1,70,91,83,48,false,Sell,Trim extended winner -1%,24,-30,BrokerD,MKT,97,None,None,Normal monitoring,2,2,137,4,false,Monitor dispersion and breadth
P8918,Systematic,IRA,USD,2025-10-21,470505,26770,443735,1.0,63.5,31.5,0.0,5.0,VNQ:23.7%;GLD:26.7%;AMZN:23.0%;MUB:26.7%,US:61.2;EU:9.1;APAC:16.8;EM:11.9;Other:1.0,Value:-0.8;Growth:+0.3;Quality:+0.4;Size:-0.6;Momentum:+0.7;LowVol:-0.4,,8,30,5.7,hard 12%,167,24.2,Bear,24.1,3.66,1.5,145,-12,41,56,false,Rebalance,Shift +1% to bonds from equity,19,-5,BrokerB,LMT,98,None,None,Normal monitoring,-43,-57,77,3,false,Increase defensive factor exposure
P8919,Hands-off,Trust,USD,2025-11-14,497817,33924,463893,1.0,74.4,17.7,2.8,5.1,IEF:17.4%;VNQ:21.2%;TSLA:22.0%;BND:17.5%;MSFT:22.0%,US:65.0;EU:15.0;APAC:11.8;EM:4.9;Other:3.2,Value:+0.6;Growth:+0.7;Quality:+0.1;Size:+0.1;Momentum:-0.0;LowVol:+0.7,MaxPos8%;NoDerivatives,5,30,5.6,hard 10%,91,18.0,Bull,12.3,3.57,3.1,82,70,78,54,false,Buy,Add to core equity +1%,1,-15,BrokerB,VWAP,93,None,None,Normal monitoring,35,-25,158,3,false,Increase defensive factor exposure
P8920,Opportunistic,Roth,USD,2024-09-11,951510,41712,909798,1.18,70.7,14.0,10.5,4.7,TSLA:22.9%;HYG:22.9%;VNQ:22.9%;TLT:11.4%;XLF:19.8%,US:54.4;EU:20.1;APAC:14.4;EM:9.0;Other:2.0,Value:-0.4;Growth:-0.9;Quality:-0.8;Size:-0.5;Momentum:0.0;LowVol:+0.1,,7,30,5.9,trailing 9%,205,30.6,Volatile,31.4,3.51,2.0,178,-38,34,78,true,Reduce,"Cut high-beta by 2-3%, add cash",-7,13,BrokerD,MKT,92,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-60,-6,24,3,true,Increase defensive factor exposure
P8921,Opportunistic,IRA,USD,2025-04-19,1249097,53120,1195977,1.0,73.0,15.7,4.7,6.7,MSFT:23.5%;TLT:16.5%;GLD:23.5%;VOO:13.0%;VTI:23.5%,US:64.3;EU:16.1;APAC:9.3;EM:10.2;Other:0.1,Value:+0.8;Growth:+0.1;Quality:+0.4;Size:-0.1;Momentum:-0.6;LowVol:+0.1,MaxPos7%;NoDerivatives,5,35,5.3,trailing 9%,189,22.5,Volatile,31.5,4.11,2.6,175,-54,18,86,true,Rebalance,Rebalance back to target bands,-15,-14,BrokerD,MKT,97,VAR>budget,TightenStops,Risk above budget threshold,113,-47,101,5,false,Tax-aware sells next window
P8922,Hands-off,401k,USD,2025-04-07,853164,34970,818194,1.0,62.7,28.9,0.0,8.4,VNQ:25.9%;QQQ:25.9%;TSLA:22.3%;TLT:25.9%,US:68.6;EU:14.0;APAC:10.7;EM:5.4;Other:1.2,Value:+0.8;Growth:+0.2;Quality:+0.5;Size:-0.3;Momentum:+0.1;LowVol:+0.4,MaxPos6%,5,35,4.8,hard 10%,159,13.4,Volatile,26.1,4.65,3.2,138,16,57,79,true,Reduce,"Cut high-beta by 2-3%, add cash",16,-22,BrokerB,MKT,88,VAR>budget,Hedge,Risk above budget threshold,6,-25,62,4,false,Within IPS guidelines
P8923,Cautious,IRA,USD,2024-09-10,511777,68577,443200,1.0,46.6,34.3,3.6,15.5,AMZN:33.3%;QQQ:33.3%;IEF:33.3%,US:61.1;EU:10.4;APAC:13.3;EM:12.7;Other:2.4,Value:+0.6;Growth:0.0;Quality:+0.6;Size:+0.2;Momentum:-0.4;LowVol:-0.0,NoMargin,5,25,5.2,trailing 10%,129,14.4,Bear,22.8,4.46,2.1,149,-101,5,52,false,Buy,Add to core equity +1%,17,13,BrokerC,LMT,99,None,None,Normal monitoring,61,-47,104,4,false,Tighten stops on momentum names
P8924,Active,Trust,USD,2024-12-21,1157181,131683,1025498,1.0,54.4,31.2,7.8,6.6,MSFT:8.8%;TSLA:16.2%;VTI:21.9%;TLT:22.8%;VOO:22.8%;BRK.B:7.5%,US:61.4;EU:13.2;APAC:17.1;EM:5.2;Other:3.1,Value:+0.6;Growth:-0.4;Quality:+0.4;Size:+0.7;Momentum:+0.3;LowVol:-0.1,,10,25,5.7,trailing 8%,191,22.9,Bull,14.9,4.31,2.8,119,20,61,45,true,Reduce,"Cut high-beta by 2-3%, add cash",2,-37,BrokerA,LMT,86,Drift>tolerance,Hedge,Allocation drift beyond policy bands,36,-44,98,4,false,Increase defensive factor exposure
P8925,Opportunistic,401k,USD,2024-09-14,1117789,47808,1069981,1.0,68.8,13.9,12.2,5.1,AMZN:21.8%;GLD:11.5%;VOO:12.0%;VNQ:21.8%;BRK.B:11.2%;QQQ:21.8%,US:63.0;EU:16.3;APAC:11.4;EM:8.1;Other:1.3,Value:-0.9;Growth:+1.0;Quality:-0.0;Size:-0.6;Momentum:+0.8;LowVol:-0.5,,8,25,6.3,trailing 9%,174,30.3,Volatile,26.9,4.75,4.2,161,-15,52,78,true,Hedge,Buy index puts 1% notional,3,-8,BrokerC,LMT,85,VAR>budget,Reduce,Risk above budget threshold,70,17,179,4,false,Monitor dispersion and breadth
P8926,Systematic,401k,USD,2025-10-14,1472737,81608,1391129,1.0,58.7,28.8,5.6,6.9,TSLA:11.3%;VNQ:25.5%;AAPL:25.5%;VTI:17.1%;MUB:20.6%,US:64.5;EU:16.0;APAC:7.1;EM:11.9;Other:0.5,Value:-0.6;Growth:+0.2;Quality:+0.7;Size:-0.2;Momentum:-0.4;LowVol:-0.3,NoDerivatives,10,35,5.8,trailing 9%,197,19.0,Bull,14.3,4.88,2.5,119,64,80,48,false,NoAction,Within bands; monitor,1,-6,BrokerD,MKT,0,None,None,Normal monitoring,-37,-40,83,4,false,Within IPS guidelines
P8927,Hands-off,Trust,USD,2025-10-29,700905,46354,654551,1.0,66.0,27.2,0.0,6.8,IEF:20.9%;BRK.B:23.5%;AMZN:23.5%;VOO:15.8%;VNQ:16.3%,US:65.9;EU:14.3;APAC:6.5;EM:12.2;Other:1.1,Value:-0.1;Growth:+0.3;Quality:+0.2;Size:+0.1;Momentum:-0.0;LowVol:+0.5,ESGOnly;MaxPos8%,10,30,4.9,trailing 8%,133,13.3,Bear,23.5,4.48,1.4,140,-30,33,66,false,Buy,Add to core equity +1%,25,5,BrokerA,LMT,92,None,None,Normal monitoring,61,-9,37,3,false,Increase defensive factor exposure
P8928,Active,Roth,USD,2024-07-10,1067661,97877,969784,1.0,63.0,28.3,0.9,7.8,BRK.B:24.9%;HYG:24.9%;MSFT:24.7%;VTI:13.7%;XLF:11.9%,US:68.4;EU:11.5;APAC:11.7;EM:7.9;Other:0.6,Value:-0.6;Growth:-0.9;Quality:+0.8;Size:+1.0;Momentum:+0.9;LowVol:+1.0,,10,25,4.8,trailing 9%,214,17.5,Bear,26.1,4.38,1.1,174,-62,9,80,true,Rebalance,Rebalance back to target bands,19,3,BrokerB,LMT,93,Drift>tolerance,Reduce,Allocation drift beyond policy bands,65,12,167,4,false,Increase defensive factor exposure
P8929,Opportunistic,401k,USD,2025-04-05,1396722,54541,1342181,1.0,73.1,19.6,0.5,6.8,GLD:27.9%;VTI:27.9%;AMZN:16.3%;IEF:27.9%,US:64.1;EU:15.4;APAC:9.5;EM:9.4;Other:1.6,Value:-0.5;Growth:+0.7;Quality:+0.9;Size:+0.5;Momentum:-0.5;LowVol:-0.9,MaxPos6%,5,35,5.9,trailing 7%,261,31.9,Bull,14.5,3.78,2.9,101,116,100,52,false,Buy,Add to core equity +1%,-2,-24,BrokerB,VWAP,87,None,None,Normal monitoring,39,-32,19,4,false,Tax-aware sells next window
P8930,Active,Trust,USD,2024-12-01,1985496,128379,1857117,1.0,60.4,29.4,2.5,7.7,HYG:10.9%;TSLA:25.7%;AAPL:25.7%;XLF:25.7%;GLD:12.0%,US:65.3;EU:6.8;APAC:12.0;EM:12.1;Other:3.9,Value:-0.8;Growth:+0.4;Quality:-0.4;Size:+0.6;Momentum:-0.8;LowVol:-0.0,NoDerivatives,5,25,5.5,hard 12%,162,27.6,Volatile,25.9,4.17,2.9,144,75,81,66,false,Rebalance,Shift +1% to bonds from equity,-13,9,BrokerB,MKT,90,None,None,Normal monitoring,3,-56,-34,3,false,Monitor dispersion and breadth
P8931,Active,Roth,USD,2025-12-12,1614228,178794,1435434,1.0,54.3,27.5,11.6,6.6,AMZN:12.2%;GLD:7.5%;MSFT:20.4%;TSLA:20.4%;MUB:20.3%;BRK.B:19.2%,US:65.8;EU:12.8;APAC:12.2;EM:4.2;Other:5.0,Value:-0.3;Growth:-1.0;Quality:-0.0;Size:-0.3;Momentum:+0.7;LowVol:+0.8,,5,25,4.3,trailing 9%,182,23.3,Volatile,24.6,5.3,3.7,120,71,99,70,false,Rebalance,Shift +1% to bonds from equity,29,-31,BrokerC,LMT,93,None,None,Normal monitoring,-5,18,123,3,false,Tax-aware sells next window
P8932,Active,Trust,USD,2024-12-01,1117571,124349,993222,1.0,52.1,22.7,16.6,8.7,BND:20.9%;BRK.B:26.4%;HYG:26.4%;QQQ:26.4%,US:77.0;EU:6.9;APAC:6.9;EM:7.8;Other:1.3,Value:-0.2;Growth:+0.2;Quality:-0.3;Size:-0.6;Momentum:-0.6;LowVol:-0.4,NoDerivatives,10,35,5.8,hard 12%,195,21.4,Volatile,24.6,3.66,3.6,147,46,73,56,false,Sell,Trim extended winner -1%,27,-19,BrokerB,MKT,91,None,None,Normal monitoring,54,-40,16,4,false,Monitor dispersion and breadth
P8933,Cautious,IRA,USD,2024-12-24,704862,75124,629738,1.0,45.9,36.4,2.2,15.4,BND:33.3%;TSLA:33.3%;VTI:33.3%,US:63.0;EU:11.1;APAC:12.3;EM:8.8;Other:4.9,Value:-0.2;Growth:-0.9;Quality:-0.2;Size:-0.5;Momentum:+1.0;LowVol:-0.3,ESGOnly;NoMargin,8,30,4.8,trailing 8%,90,16.0,Sideways,16.6,4.16,2.4,110,27,59,36,false,Hedge,Add TLT +1% as duration hedge,-1,1,BrokerA,VWAP,95,None,None,Normal monitoring,32,-39,14,5,false,Within IPS guidelines
P8934,Active,Roth,USD,2025-04-04,1498462,132123,1366339,1.0,69.2,21.1,4.7,5.0,AMZN:19.2%;BRK.B:26.9%;VNQ:26.9%;QQQ:26.9%,US:67.8;EU:11.5;APAC:14.3;EM:6.1;Other:0.3,Value:+0.2;Growth:+0.7;Quality:+0.4;Size:-0.4;Momentum:+0.1;LowVol:-0.9,,5,25,4.3,trailing 8%,164,16.1,Volatile,30.9,3.93,2.9,151,-19,40,89,true,Rebalance,Rebalance back to target bands,31,-11,BrokerA,VWAP,94,Drift>tolerance,Hedge,Allocation drift beyond policy bands,40,-22,163,4,false,Within IPS guidelines
P8935,Opportunistic,Roth,USD,2025-09-14,750903,62864,688039,1.17,76.2,10.9,4.4,8.5,AMZN:19.1%;MSFT:17.9%;VNQ:14.0%;QQQ:17.6%;MUB:15.9%;VOO:15.5%,US:60.4;EU:15.7;APAC:11.7;EM:10.3;Other:2.0,Value:-0.3;Growth:+0.6;Quality:-0.0;Size:-0.8;Momentum:+0.7;LowVol:-0.2,,6,35,4.3,trailing 7%,165,22.2,Bear,22.1,3.29,1.1,165,-68,20,74,true,Hedge,Buy index puts 1% notional,7,-35,BrokerD,MKT,98,Drift>tolerance,Reduce,Allocation drift beyond policy bands,53,-11,150,5,false,Monitor dispersion and breadth
P8936,Opportunistic,Trust,USD,2025-03-07,1152303,49838,1102465,1.0,62.1,15.6,18.0,4.3,VOO:18.8%;BRK.B:27.4%;MSFT:26.3%;TLT:27.4%,US:74.4;EU:8.9;APAC:6.4;EM:9.4;Other:1.0,Value:+0.6;Growth:+0.1;Quality:-0.0;Size:-0.6;Momentum:-0.7;LowVol:-0.4,,6,25,6.2,trailing 9%,235,24.5,Volatile,21.1,4.9,2.4,180,-28,39,50,false,Hedge,Add TLT +1% as duration hedge,35,-25,BrokerA,MKT,95,None,None,Normal monitoring,-56,4,67,5,false,Monitor dispersion and breadth
P8937,Active,Trust,USD,2024-10-19,904614,71458,833156,1.0,54.6,31.3,9.0,5.1,QQQ:25.9%;MUB:22.3%;BND:25.9%;TSLA:25.9%,US:67.4;EU:19.1;APAC:8.2;EM:3.2;Other:2.2,Value:+0.7;Growth:-0.4;Quality:+0.8;Size:+0.5;Momentum:0.0;LowVol:-0.3,NoDerivatives,10,35,5.7,trailing 8%,158,25.7,Volatile,20.4,3.68,4.3,174,32,56,43,false,Buy,Add to core equity +1%,4,-17,BrokerB,MKT,85,None,None,Normal monitoring,2,16,101,5,false,Increase defensive factor exposure
P8938,Active,Roth,USD,2025-05-22,1052838,89800,963038,1.0,65.6,28.9,0.0,5.5,MSFT:23.0%;GLD:18.1%;VNQ:15.2%;VTI:20.6%;IEF:23.0%,US:63.7;EU:17.4;APAC:7.9;EM:9.5;Other:1.5,Value:+0.6;Growth:-0.9;Quality:-0.6;Size:+0.6;Momentum:-0.5;LowVol:-0.7,MaxPos5%,8,25,5.3,trailing 9%,197,24.4,Bear,26.2,3.93,1.0,214,-103,5,74,true,Reduce,"Cut high-beta by 2-3%, add cash",3,-28,BrokerD,MKT,85,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-53,9,84,3,false,Tax-aware sells next window
P8939,Hands-off,Roth,USD,2025-12-11,329352,31926,297426,1.0,56.9,18.2,16.3,8.7,VOO:33.6%;VTI:32.8%;IEF:33.6%,US:57.0;EU:17.6;APAC:10.8;EM:12.6;Other:2.0,Value:+0.6;Growth:+0.5;Quality:-0.1;Size:-0.5;Momentum:-0.4;LowVol:+0.1,ESGOnly;MaxPos7%,8,35,3.3,trailing 8%,110,12.1,Bull,16.9,4.94,3.3,93,89,80,54,false,Buy,Add to core equity +1%,15,-33,BrokerD,MKT,92,None,None,Normal monitoring,79,14,109,5,false,Tax-aware sells next window
P8940,Opportunistic,Taxable,USD,2025-12-03,901983,62049,839934,1.0,63.3,18.2,10.5,8.0,QQQ:23.6%;AAPL:23.6%;VOO:8.8%;VNQ:11.3%;AMZN:9.2%;BND:23.6%,US:70.9;EU:8.1;APAC:10.7;EM:6.9;Other:3.4,Value:+0.2;Growth:-0.4;Quality:+0.5;Size:+0.4;Momentum:-0.9;LowVol:-0.6,MaxPos6%,6,25,5.9,hard 12%,248,25.1,Volatile,23.4,5.24,2.6,132,3,45,55,false,Hedge,Add TLT +1% as duration hedge,-2,2,BrokerD,LMT,96,None,None,Normal monitoring,108,9,212,3,false,Tax-aware sells next window
P8941,Cautious,Trust,USD,2024-12-31,444958,69210,375748,1.0,49.2,35.7,0.0,15.1,AMZN:14.0%;MUB:21.6%;VOO:21.2%;IEF:21.6%;XLF:21.6%,US:70.0;EU:10.2;APAC:13.3;EM:5.6;Other:0.9,Value:+0.1;Growth:-0.5;Quality:-0.8;Size:-0.4;Momentum:+0.2;LowVol:+0.7,ESGOnly;NoMargin,10,30,5.3,trailing 10%,138,18.0,Volatile,28.6,4.28,3.6,141,-53,31,58,true,Rebalance,Rebalance back to target bands,16,-32,BrokerB,VWAP,85,Drift>tolerance,Reduce,Allocation drift beyond policy bands,37,-15,48,3,false,Tax-aware sells next window
P8942,Active,Trust,USD,2024-10-15,717637,68317,649320,1.0,64.4,26.4,0.0,9.2,VNQ:34.6%;MUB:30.8%;TLT:34.6%,US:58.4;EU:15.1;APAC:13.7;EM:8.8;Other:4.0,Value:+0.9;Growth:-0.3;Quality:-0.1;Size:+0.2;Momentum:+1.0;LowVol:+0.3,NoDerivatives,10,30,5.3,trailing 8%,124,23.8,Bull,16.4,4.54,2.8,83,118,100,59,false,Sell,Trim extended winner -1%,32,-5,BrokerC,MKT,87,None,None,Normal monitoring,-8,17,77,4,false,Monitor dispersion and breadth
P8943,Active,Trust,USD,2025-04-15,1927570,205169,1722401,1.0,60.9,26.5,5.4,7.1,MUB:25.0%;HYG:25.0%;TLT:25.0%;VOO:25.0%,US:64.5;EU:16.9;APAC:11.3;EM:4.2;Other:3.2,Value:0.0;Growth:-0.1;Quality:-0.2;Size:-0.2;Momentum:+0.9;LowVol:-0.2,,10,25,4.2,trailing 8%,167,24.8,Sideways,21.4,3.82,3.2,97,7,46,51,false,Sell,Trim extended winner -1%,31,-31,BrokerB,LMT,93,None,None,Normal monitoring,-21,-50,17,3,false,Tax-aware sells next window
P8944,Systematic,401k,USD,2025-08-03,1612262,97771,1514491,1.0,62.0,31.0,1.2,5.9,AMZN:17.4%;BND:9.8%;MUB:16.4%;VNQ:14.0%;AAPL:21.2%;HYG:21.2%,US:67.2;EU:16.4;APAC:6.8;EM:5.2;Other:4.4,Value:-0.5;Growth:+0.9;Quality:+0.9;Size:+0.4;Momentum:+0.8;LowVol:+0.8,,7,30,4.3,hard 12%,135,18.7,Volatile,25.0,4.69,2.0,150,54,65,60,false,Hedge,Add TLT +1% as duration hedge,20,-17,BrokerA,MKT,85,None,None,Normal monitoring,-18,-59,97,5,false,Monitor dispersion and breadth
P8945,Systematic,Trust,USD,2025-12-23,532581,33506,499075,1.0,66.6,27.0,0.0,6.4,TSLA:33.3%;IEF:33.3%;AMZN:33.3%,US:64.7;EU:10.7;APAC:13.8;EM:6.7;Other:4.1,Value:+0.6;Growth:0.0;Quality:+0.5;Size:-0.7;Momentum:+0.1;LowVol:+0.1,NoDerivatives,6,25,4.6,trailing 8%,183,26.6,Bull,14.0,3.93,3.1,117,81,83,50,true,Reduce,"Cut high-beta by 2-3%, add cash",-2,-20,BrokerB,LMT,91,VAR>budget,Hedge,Risk above budget threshold,44,1,98,5,false,Tax-aware sells next window
P8946,Cautious,Roth,USD,2025-05-09,588022,85844,502178,1.0,46.6,40.6,0.0,12.8,IEF:14.8%;TSLA:14.8%;QQQ:22.0%;GLD:22.0%;HYG:18.9%;AMZN:7.6%,US:59.4;EU:17.1;APAC:12.9;EM:6.0;Other:4.6,Value:-0.2;Growth:-0.6;Quality:-0.1;Size:+0.7;Momentum:+0.5;LowVol:+0.2,ESGOnly;NoMargin,7,30,4.9,trailing 8%,115,14.7,Volatile,24.5,4.37,2.1,162,2,47,49,false,Rebalance,Shift +1% to bonds from equity,25,-32,BrokerA,MKT,98,None,None,Normal monitoring,87,-33,187,3,false,Tax-aware sells next window
P8947,Opportunistic,IRA,USD,2024-11-29,372337,33454,338883,1.0,70.1,15.8,9.3,4.8,MSFT:25.0%;HYG:25.0%;XLF:25.0%;AMZN:25.0%,US:63.1;EU:12.9;APAC:11.5;EM:9.1;Other:3.4,Value:+0.6;Growth:-0.9;Quality:+0.5;Size:-0.2;Momentum:-0.6;LowVol:-0.4,MaxPos6%;NoDerivatives,7,30,6.2,hard 12%,257,24.5,Volatile,21.1,4.47,3.8,158,70,92,54,false,Rebalance,Shift +1% to bonds from equity,5,-19,BrokerC,VWAP,88,None,None,Normal monitoring,38,0,75,5,false,Increase defensive factor exposure
P8948,Hands-off,401k,USD,2025-07-01,723697,36388,687309,1.0,57.7,28.7,4.1,9.4,VNQ:24.6%;BND:37.7%;HYG:37.7%,US:63.8;EU:12.7;APAC:13.5;EM:7.4;Other:2.7,Value:-0.8;Growth:-0.6;Quality:-0.8;Size:-1.0;Momentum:+0.9;LowVol:+0.7,ESGOnly,8,35,5.3,trailing 8%,131,13.3,Bull,12.6,3.61,3.5,108,54,81,43,false,Rebalance,Shift +1% to bonds from equity,20,-27,BrokerA,MKT,97,None,None,Normal monitoring,-38,-40,73,4,false,Tax-aware sells next window
P8949,Cautious,IRA,USD,2024-12-07,350824,52945,297879,1.0,46.4,32.1,6.0,15.5,TSLA:34.2%;XLF:34.2%;MSFT:31.7%,US:71.7;EU:13.3;APAC:7.0;EM:7.8;Other:0.2,Value:+0.7;Growth:-0.8;Quality:-0.2;Size:+0.2;Momentum:-0.8;LowVol:-0.8,MaxPos8%;NoMargin,7,30,3.8,trailing 8%,157,17.8,Volatile,30.1,5.08,3.5,126,45,81,74,true,Rebalance,Rebalance back to target bands,19,15,BrokerD,MKT,90,Drift>tolerance,Reduce,Allocation drift beyond policy bands,5,-7,65,4,false,Monitor dispersion and breadth
P8950,Systematic,Taxable,USD,2024-09-15,923344,62616,860728,1.0,55.9,25.4,12.7,6.0,HYG:26.2%;VOO:26.2%;IEF:26.2%;VNQ:21.3%,US:69.6;EU:9.5;APAC:9.1;EM:9.0;Other:2.8,Value:-0.2;Growth:+0.8;Quality:-0.3;Size:+0.1;Momentum:+0.8;LowVol:-0.9,MaxPos5%,6,30,4.9,hard 12%,227,21.7,Bull,17.7,3.83,3.3,108,10,43,38,false,NoAction,Within bands; monitor,9,13,BrokerB,MKT,0,None,None,Normal monitoring,27,13,155,5,false,Within IPS guidelines
P8951,Hands-off,401k,USD,2025-11-23,766937,60442,706495,1.0,67.1,20.9,3.4,8.6,HYG:16.1%;AMZN:8.1%;VOO:16.5%;IEF:13.0%;TSLA:23.1%;VTI:23.1%,US:70.3;EU:10.3;APAC:8.0;EM:8.3;Other:3.2,Value:-0.1;Growth:+0.1;Quality:-0.1;Size:-0.5;Momentum:+0.4;LowVol:-0.5,,7,30,5.9,trailing 10%,134,19.1,Bull,17.2,3.8,3.3,96,106,100,60,false,NoAction,Within bands; monitor,-14,1,BrokerB,LMT,85,None,None,Normal monitoring,118,-10,86,4,false,Increase defensive factor exposure
P8952,Opportunistic,401k,USD,2024-08-04,1354721,116118,1238603,1.17,66.0,11.5,15.2,7.3,AAPL:22.8%;TSLA:11.8%;VNQ:22.8%;HYG:22.8%;XLF:19.7%,US:64.9;EU:13.6;APAC:9.0;EM:8.6;Other:3.9,Value:+0.8;Growth:-0.5;Quality:-0.2;Size:+0.4;Momentum:-0.3;LowVol:-0.5,MaxPos6%,7,35,5.3,trailing 7%,163,31.9,Sideways,16.3,4.69,2.9,120,-24,42,47,false,Rebalance,Shift +1% to bonds from equity,17,6,BrokerA,MKT,86,None,None,Normal monitoring,89,19,75,5,false,Monitor dispersion and breadth
P8953,Opportunistic,Taxable,USD,2024-10-11,587360,38440,548920,1.0,71.9,16.0,3.8,8.3,HYG:19.6%;AMZN:22.7%;XLF:22.3%;QQQ:12.7%;MSFT:22.7%,US:63.4;EU:11.5;APAC:12.7;EM:10.8;Other:1.6,Value:+0.2;Growth:-0.9;Quality:-0.3;Size:+0.2;Momentum:+0.9;LowVol:+0.7,MaxPos8%;NoDerivatives,5,25,4.3,trailing 9%,223,30.1,Bull,15.3,4.22,2.3,73,117,100,46,false,Sell,Trim extended winner -1%,6,-8,BrokerA,MKT,96,None,None,Normal monitoring,-21,-2,80,5,false,Tax-aware sells next window
P8954,Cautious,401k,USD,2024-12-27,221038,18099,202939,1.0,48.6,41.2,0.0,10.1,IEF:22.0%;TLT:12.1%;BND:22.0%;AAPL:21.9%;VOO:22.0%,US:75.5;EU:12.8;APAC:6.2;EM:5.3;Other:0.2,Value:+0.9;Growth:+0.4;Quality:-0.6;Size:+0.2;Momentum:-0.1;LowVol:+0.8,ESGOnly;NoMargin,5,30,4.3,trailing 10%,144,14.8,Bear,33.6,3.98,2.2,134,-1,42,76,true,Reduce,"Cut high-beta by 2-3%, add cash",26,-11,BrokerA,MKT,88,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,38,-44,108,4,false,Tax-aware sells next window
P8955,Opportunistic,401k,USD,2025-12-02,1597321,96720,1500601,1.0,65.0,19.3,11.5,4.2,BND:28.1%;IEF:15.8%;VTI:28.1%;HYG:28.1%,US:64.4;EU:15.8;APAC:9.8;EM:5.2;Other:4.8,Value:-0.4;Growth:+0.1;Quality:-0.3;Size:+0.8;Momentum:-0.6;LowVol:+0.7,,8,35,5.0,trailing 9%,248,26.5,Volatile,20.5,4.23,4.2,145,46,66,64,false,Rebalance,Shift +1% to bonds from equity,31,2,BrokerB,LMT,97,None,None,Normal monitoring,111,-10,209,5,false,Monitor dispersion and breadth
P8956,Hands-off,IRA,USD,2025-06-09,160355,15114,145241,1.0,67.6,24.9,1.8,5.8,GLD:10.7%;TSLA:12.7%;QQQ:9.3%;VTI:23.3%;HYG:23.3%;XLF:20.6%,US:65.9;EU:10.7;APAC:12.7;EM:9.0;Other:1.7,Value:+0.5;Growth:+0.5;Quality:+0.5;Size:+0.8;Momentum:-0.3;LowVol:-0.9,ESGOnly;MaxPos6%;NoDerivatives,7,35,4.2,hard 10%,109,18.0,Sideways,19.4,3.51,2.2,125,34,61,53,false,Buy,Add to core equity +1%,12,-15,BrokerB,MKT,95,None,None,Normal monitoring,49,-6,71,4,false,Increase defensive factor exposure
P8957,Active,Trust,USD,2025-01-16,863927,67505,796422,1.0,68.5,24.9,0.0,6.6,IEF:28.0%;MSFT:28.0%;MUB:15.9%;VNQ:28.0%,US:69.9;EU:9.5;APAC:10.7;EM:9.8;Other:0.0,Value:-0.8;Growth:-0.2;Quality:+0.4;Size:+0.7;Momentum:+0.8;LowVol:-0.7,MaxPos7%,10,25,5.7,trailing 8%,179,18.8,Sideways,19.1,4.89,3.1,135,10,54,55,false,Hedge,Add TLT +1% as duration hedge,3,-34,BrokerA,MKT,98,None,None,Normal monitoring,-13,-19,103,4,false,Tighten stops on momentum names
P8958,Active,IRA,USD,2025-06-24,1731110,193040,1538070,1.0,54.3,24.7,11.7,9.4,IEF:19.5%;XLF:7.6%;BND:18.9%;TSLA:14.3%;AAPL:20.6%;MSFT:19.1%,US:65.9;EU:16.7;APAC:10.3;EM:6.2;Other:0.9,Value:+0.4;Growth:+0.9;Quality:-0.9;Size:-0.0;Momentum:-0.5;LowVol:-0.3,NoDerivatives,6,35,4.1,trailing 9%,173,18.6,Volatile,28.8,4.15,3.7,116,-23,33,60,false,Rebalance,Shift +1% to bonds from equity,24,7,BrokerB,VWAP,87,None,None,Normal monitoring,95,-7,92,4,false,Tax-aware sells next window
P8959,Systematic,Roth,USD,2025-11-28,1984766,183388,1801378,1.0,69.0,22.5,2.3,6.2,AAPL:33.3%;BRK.B:33.3%;XLF:33.3%,US:66.0;EU:9.2;APAC:14.4;EM:6.8;Other:3.7,Value:+0.4;Growth:-0.7;Quality:-0.1;Size:+0.9;Momentum:-0.4;LowVol:+0.7,,5,25,5.9,trailing 8%,133,19.2,Volatile,26.8,4.39,2.5,125,-11,30,67,true,Hedge,Buy index puts 1% notional,29,3,BrokerD,LMT,100,VAR>budget,Pause,Risk above budget threshold,32,-5,62,2,false,Monitor dispersion and breadth
P8960,Cautious,Taxable,USD,2025-07-04,779733,74263,705470,1.0,44.1,30.1,10.0,15.8,QQQ:33.3%;VOO:33.3%;AAPL:33.3%,US:72.4;EU:16.8;APAC:6.2;EM:4.2;Other:0.3,Value:-0.7;Growth:-0.7;Quality:+0.8;Size:-0.3;Momentum:-1.0;LowVol:+0.7,MaxPos7%;NoMargin,7,35,4.5,trailing 8%,90,13.3,Sideways,19.2,3.55,3.5,122,-19,28,54,false,Buy,Add to core equity +1%,29,-6,BrokerA,VWAP,95,None,None,Normal monitoring,-21,-52,-45,5,false,Tighten stops on momentum names
P8961,Cautious,Trust,USD,2025-11-17,276677,28520,248157,1.0,35.6,41.9,5.5,17.0,VTI:12.1%;VNQ:25.2%;MUB:15.0%;GLD:22.6%;VOO:25.2%,US:60.2;EU:13.9;APAC:12.8;EM:11.6;Other:1.6,Value:+0.3;Growth:+0.7;Quality:-1.0;Size:-0.7;Momentum:0.0;LowVol:+0.6,ESGOnly;MaxPos7%;NoMargin,8,25,3.7,hard 10%,130,16.0,Bull,11.8,4.43,2.4,98,82,86,21,false,Rebalance,Shift +1% to bonds from equity,12,-1,BrokerD,MKT,100,None,None,Normal monitoring,79,12,66,5,false,Within IPS guidelines
P8962,Opportunistic,IRA,USD,2025-04-17,771332,29579,741753,1.0,61.7,16.5,16.9,4.9,VNQ:34.7%;MUB:34.7%;XLF:30.5%,US:68.2;EU:15.4;APAC:7.6;EM:8.3;Other:0.6,Value:-0.3;Growth:+0.7;Quality:-0.7;Size:-0.3;Momentum:-0.9;LowVol:-0.2,,5,35,5.9,trailing 9%,186,33.5,Sideways,15.9,4.97,2.5,104,36,64,49,false,Sell,Trim extended winner -1%,-14,-32,BrokerD,MKT,91,None,None,Normal monitoring,53,-35,66,4,false,Tighten stops on momentum names
P8963,Active,Roth,USD,2025-01-22,927808,84330,843478,1.14,50.5,24.4,17.7,7.4,MSFT:27.2%;AAPL:27.2%;VTI:13.6%;XLF:12.9%;VOO:19.1%,US:73.0;EU:9.9;APAC:13.2;EM:3.3;Other:0.6,Value:-0.2;Growth:+0.7;Quality:+0.4;Size:-0.9;Momentum:-0.5;LowVol:-0.6,,6,35,5.9,hard 12%,156,25.5,Volatile,27.1,5.13,2.2,150,-13,47,60,true,Hedge,Buy index puts 1% notional,20,-33,BrokerD,MKT,98,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,101,-53,116,5,true,Tighten stops on momentum names
P8964,Cautious,Roth,USD,2025-08-07,721464,108257,613207,1.0,39.6,36.6,8.0,15.8,BRK.B:33.3%;TLT:33.3%;MUB:33.3%,US:70.3;EU:9.7;APAC:8.3;EM:10.5;Other:1.2,Value:-0.6;Growth:-0.9;Quality:+0.4;Size:+0.2;Momentum:-0.6;LowVol:-0.2,MaxPos6%;NoDerivatives;NoMargin,5,30,3.0,hard 10%,139,13.0,Bull,17.2,4.27,3.1,113,96,100,40,false,Rebalance,Shift +1% to bonds from equity,27,11,BrokerA,LMT,92,None,None,Normal monitoring,7,-44,131,3,false,Tax-aware sells next window
P8965,Active,Roth,USD,2024-11-06,1312741,128949,1183792,1.0,57.3,26.7,9.4,6.7,IEF:19.5%;GLD:16.2%;QQQ:19.0%;MSFT:20.8%;VTI:5.9%;HYG:18.7%,US:73.8;EU:9.6;APAC:11.4;EM:3.4;Other:1.9,Value:-0.5;Growth:-0.3;Quality:+0.3;Size:-0.0;Momentum:+0.2;LowVol:+0.8,NoDerivatives,6,35,5.4,trailing 9%,120,25.7,Bull,17.2,4.12,3.0,71,25,73,48,false,Buy,Add to core equity +1%,2,-33,BrokerD,LMT,100,None,None,Normal monitoring,77,-15,83,4,false,Within IPS guidelines
P8966,Cautious,Trust,USD,2025-03-14,430829,41877,388952,1.0,45.1,38.6,0.0,16.2,TSLA:10.1%;MUB:21.1%;BND:20.4%;AMZN:17.7%;VNQ:16.1%;TLT:14.5%,US:59.7;EU:14.5;APAC:10.3;EM:13.1;Other:2.5,Value:+0.3;Growth:+0.3;Quality:+0.7;Size:-0.3;Momentum:+0.9;LowVol:+0.7,NoDerivatives;NoMargin,10,25,5.6,hard 10%,108,14.3,Sideways,18.9,3.6,2.6,121,40,63,45,false,Rebalance,Shift +1% to bonds from equity,3,-27,BrokerD,VWAP,89,None,None,Normal monitoring,76,-32,79,5,false,Monitor dispersion and breadth
P8967,Active,401k,USD,2024-08-23,1848034,173730,1674304,1.0,63.8,21.2,8.9,6.1,AAPL:16.9%;HYG:28.9%;MUB:28.9%;BRK.B:25.4%,US:66.2;EU:17.4;APAC:9.2;EM:6.2;Other:1.1,Value:+0.9;Growth:-0.9;Quality:+0.3;Size:-0.2;Momentum:+0.4;LowVol:+1.0,MaxPos5%,5,25,5.0,hard 12%,183,16.9,Bull,16.0,4.09,2.8,113,8,62,49,false,Rebalance,Shift +1% to bonds from equity,11,-9,BrokerA,VWAP,95,None,None,Normal monitoring,4,16,115,3,false,Tighten stops on momentum names
P8968,Active,Taxable,USD,2025-04-03,1928348,136730,1791618,1.0,62.7,25.1,5.4,6.9,IEF:28.1%;BRK.B:28.1%;BND:15.7%;GLD:28.1%,US:64.5;EU:14.0;APAC:13.4;EM:3.5;Other:4.6,Value:+0.2;Growth:-0.8;Quality:-0.1;Size:+0.4;Momentum:+1.0;LowVol:-0.7,,5,30,4.7,trailing 9%,201,19.6,Volatile,25.7,4.3,3.9,177,18,66,59,false,Sell,Trim extended winner -1%,25,-27,BrokerB,MKT,85,None,None,Normal monitoring,-46,-35,50,5,false,Monitor dispersion and breadth
P8969,Systematic,Trust,USD,2024-08-04,1459040,87840,1371200,1.0,62.8,29.8,0.0,7.4,XLF:28.7%;VTI:13.8%;QQQ:28.7%;MSFT:28.7%,US:60.5;EU:13.9;APAC:13.2;EM:8.0;Other:4.4,Value:-0.8;Growth:-0.8;Quality:-0.9;Size:-0.4;Momentum:+0.4;LowVol:+0.7,,10,30,5.6,trailing 8%,213,26.8,Sideways,18.9,4.78,2.8,110,16,51,56,false,Rebalance,Shift +1% to bonds from equity,8,-38,BrokerA,VWAP,89,None,None,Normal monitoring,100,-46,172,3,false,Tax-aware sells next window
P8970,Hands-off,Roth,USD,2025-10-13,459532,41651,417881,1.0,63.1,20.6,10.5,5.8,IEF:25.0%;GLD:25.0%;QQQ:25.0%;XLF:25.0%,US:56.2;EU:16.5;APAC:13.5;EM:8.8;Other:5.0,Value:-0.5;Growth:-0.9;Quality:+0.9;Size:+0.1;Momentum:-0.5;LowVol:-0.5,ESGOnly,7,25,4.9,trailing 8%,140,12.5,Bull,16.0,3.55,3.3,90,41,57,46,false,Rebalance,Shift +1% to bonds from equity,-9,5,BrokerB,LMT,94,None,None,Normal monitoring,26,-41,97,5,false,Tighten stops on momentum names
P8971,Systematic,401k,USD,2025-11-29,1804145,119180,1684965,1.0,55.4,29.7,5.9,9.1,HYG:22.0%;VOO:22.0%;AAPL:18.5%;TLT:15.5%;VNQ:22.0%,US:62.2;EU:19.0;APAC:7.1;EM:7.1;Other:4.7,Value:-0.7;Growth:+0.2;Quality:+0.7;Size:+0.5;Momentum:-0.2;LowVol:+0.7,MaxPos7%,10,25,5.4,trailing 9%,171,27.8,Sideways,18.6,4.09,2.6,105,-14,42,41,false,Rebalance,Shift +1% to bonds from equity,29,14,BrokerC,MKT,93,None,None,Normal monitoring,-31,-53,-61,4,false,Monitor dispersion and breadth
P8972,Systematic,Taxable,USD,2025-03-02,1259982,76250,1183732,1.0,63.1,21.6,8.4,6.8,BND:26.7%;VTI:26.7%;BRK.B:26.7%;TSLA:19.9%,US:70.3;EU:14.2;APAC:11.0;EM:4.3;Other:0.2,Value:+0.5;Growth:-0.7;Quality:-0.8;Size:+0.9;Momentum:-0.5;LowVol:+0.5,,6,25,4.2,trailing 8%,120,17.7,Sideways,16.6,4.49,2.9,117,43,76,60,true,Reduce,"Cut high-beta by 2-3%, add cash",30,2,BrokerA,LMT,99,RegimeShift,Hedge,Volatility spike and breadth deterioration,2,-26,-21,3,false,Tighten stops on momentum names
P8973,Active,Roth,USD,2024-09-04,592717,38872,553845,1.0,61.0,25.9,5.1,8.0,GLD:23.9%;QQQ:23.9%;TLT:17.6%;AMZN:20.8%;XLF:13.7%,US:72.6;EU:6.7;APAC:6.8;EM:12.1;Other:1.8,Value:-0.0;Growth:-0.3;Quality:-0.9;Size:-0.6;Momentum:+0.4;LowVol:-0.1,MaxPos5%;NoDerivatives,10,30,5.3,trailing 9%,187,27.2,Bull,11.9,4.25,2.5,110,91,80,46,false,Rebalance,Shift +1% to bonds from equity,16,14,BrokerC,MKT,92,None,None,Normal monitoring,-15,-31,119,4,false,Increase defensive factor exposure
P8974,Cautious,Roth,USD,2024-08-29,763500,90450,673050,1.0,52.9,31.8,3.3,11.9,BND:21.1%;GLD:21.1%;AMZN:7.9%;BRK.B:17.4%;MSFT:19.0%;TLT:13.4%,US:70.3;EU:7.9;APAC:6.6;EM:11.9;Other:3.4,Value:-0.7;Growth:+0.5;Quality:+0.8;Size:-0.2;Momentum:-0.8;LowVol:-0.1,ESGOnly;NoMargin,8,30,3.8,trailing 10%,161,13.3,Volatile,25.8,3.64,2.8,144,10,45,73,true,Reduce,"Cut high-beta by 2-3%, add cash",-13,12,BrokerB,MKT,97,VAR>budget,Hedge,Risk above budget threshold,35,-52,114,2,false,Monitor dispersion and breadth
P8975,Opportunistic,401k,USD,2024-12-05,785142,23929,761213,1.0,68.5,15.6,11.3,4.7,QQQ:24.4%;GLD:16.8%;TSLA:24.4%;BND:10.1%;VNQ:24.4%,US:72.7;EU:9.3;APAC:6.9;EM:10.7;Other:0.4,Value:+0.7;Growth:+0.4;Quality:+0.9;Size:-0.7;Momentum:+1.0;LowVol:-0.0,NoDerivatives,6,25,5.7,trailing 7%,193,24.0,Bull,16.0,4.85,3.2,83,15,54,57,false,Rebalance,Shift +1% to bonds from equity,-3,-37,BrokerB,LMT,90,None,None,Normal monitoring,96,-9,141,3,false,Monitor dispersion and breadth
P8976,Hands-off,401k,USD,2024-11-22,562876,27250,535626,1.0,72.0,19.5,0.0,8.5,BRK.B:25.9%;MUB:25.9%;TLT:25.9%;GLD:22.2%,US:64.6;EU:10.8;APAC:12.3;EM:9.3;Other:2.9,Value:-0.1;Growth:-0.7;Quality:+0.6;Size:+0.3;Momentum:0.0;LowVol:+0.5,MaxPos7%,8,25,3.1,trailing 10%,94,15.8,Sideways,21.7,3.73,2.3,100,-19,43,64,false,Sell,Trim extended winner -1%,14,-4,BrokerB,MKT,97,None,None,Normal monitoring,0,5,-28,4,false,Within IPS guidelines
P8977,Opportunistic,Taxable,USD,2025-07-23,1288044,49048,1238996,1.23,73.6,18.4,0.0,8.1,BRK.B:26.0%;TLT:22.0%;MUB:26.0%;GLD:26.0%,US:65.8;EU:12.6;APAC:7.6;EM:9.5;Other:4.5,Value:-0.2;Growth:-0.1;Quality:-0.8;Size:+0.2;Momentum:-0.7;LowVol:-0.6,MaxPos7%;NoDerivatives,6,30,5.9,hard 12%,265,33.4,Volatile,31.5,4.54,3.0,165,-26,44,77,true,Hedge,Buy index puts 1% notional,23,11,BrokerD,LMT,85,RegimeShift,Hedge,Volatility spike and breadth deterioration,93,-60,140,4,false,Within IPS guidelines
P8978,Opportunistic,Taxable,USD,2025-06-23,1657559,105032,1552527,1.12,65.8,18.7,8.2,7.2,TSLA:23.6%;BRK.B:12.5%;XLF:23.6%;BND:22.6%;GLD:17.7%,US:61.5;EU:20.2;APAC:6.6;EM:8.9;Other:2.9,Value:+0.5;Growth:+0.5;Quality:+0.2;Size:-0.4;Momentum:+0.6;LowVol:+1.0,MaxPos8%,10,30,6.9,trailing 9%,180,32.8,Volatile,27.8,3.64,2.2,166,-52,21,68,false,NoAction,Within bands; monitor,11,14,BrokerA,MKT,0,None,None,Normal monitoring,112,-36,220,4,false,Tax-aware sells next window
P8979,Hands-off,401k,USD,2025-11-19,843155,41638,801517,1.0,64.8,20.6,5.6,9.0,TSLA:37.9%;QQQ:24.3%;BRK.B:37.9%,US:69.9;EU:11.6;APAC:7.4;EM:9.9;Other:1.1,Value:-0.3;Growth:-0.6;Quality:-0.1;Size:-1.0;Momentum:-0.2;LowVol:-0.6,ESGOnly;NoDerivatives,5,30,4.1,hard 10%,113,15.8,Bull,17.7,3.82,3.2,111,59,85,62,true,Hedge,Buy index puts 1% notional,3,-23,BrokerB,LMT,89,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,32,-30,145,4,false,Monitor dispersion and breadth
P8980,Opportunistic,Roth,USD,2025-03-28,1144569,69828,1074741,1.0,68.7,18.9,7.3,5.1,BRK.B:33.3%;GLD:33.3%;MUB:33.3%,US:65.7;EU:15.7;APAC:12.8;EM:5.2;Other:0.5,Value:+0.8;Growth:-0.3;Quality:-0.6;Size:-0.6;Momentum:-0.7;LowVol:+0.9,,8,30,5.9,trailing 9%,235,25.2,Volatile,26.3,4.12,2.8,168,13,58,65,false,Sell,Trim extended winner -1%,20,-36,BrokerC,MKT,98,None,None,Normal monitoring,10,2,31,5,false,Within IPS guidelines
P8981,Opportunistic,401k,USD,2024-12-07,1701062,129450,1571612,1.0,65.7,13.2,12.5,8.6,HYG:21.3%;BRK.B:11.1%;GLD:22.7%;TSLA:8.0%;QQQ:14.2%;MUB:22.7%,US:58.0;EU:9.8;APAC:16.0;EM:10.6;Other:5.6,Value:+0.7;Growth:+0.5;Quality:+0.3;Size:-0.1;Momentum:+0.3;LowVol:+0.2,MaxPos8%;NoDerivatives,5,35,6.4,trailing 9%,264,22.2,Volatile,27.1,3.81,2.3,178,57,74,75,true,Rebalance,Rebalance back to target bands,5,-17,BrokerA,LMT,89,RegimeShift,Hedge,Volatility spike and breadth deterioration,20,7,75,5,false,Tighten stops on momentum names
P8982,Systematic,Trust,USD,2024-09-08,783196,34116,749080,1.0,62.5,20.7,10.8,6.1,AMZN:33.3%;HYG:33.3%;MSFT:33.3%,US:71.7;EU:9.5;APAC:11.3;EM:4.4;Other:3.0,Value:+0.9;Growth:-0.7;Quality:-0.5;Size:-0.2;Momentum:+0.6;LowVol:-0.3,,7,30,4.4,trailing 8%,134,21.7,Bull,11.8,3.87,3.2,112,88,81,44,false,Sell,Trim extended winner -1%,20,-26,BrokerA,MKT,94,None,None,Normal monitoring,24,-48,94,3,false,Increase defensive factor exposure
P8983,Cautious,Roth,USD,2024-07-07,889753,136847,752906,1.0,46.7,37.3,0.0,16.0,VOO:33.3%;BND:33.3%;MSFT:33.3%,US:63.9;EU:8.7;APAC:14.8;EM:11.8;Other:0.9,Value:+1.0;Growth:+0.9;Quality:-0.5;Size:+1.0;Momentum:+0.1;LowVol:-0.8,ESGOnly;MaxPos5%;NoMargin,7,35,3.5,trailing 8%,151,17.3,Bull,17.4,4.32,3.2,105,33,73,45,false,Buy,Add to core equity +1%,27,-28,BrokerD,LMT,92,None,None,Normal monitoring,-11,-58,15,5,false,Increase defensive factor exposure
P8984,Active,401k,USD,2025-05-06,1570177,103235,1466942,1.07,53.9,28.8,8.7,8.5,VTI:34.1%;TSLA:31.7%;MSFT:34.1%,US:72.9;EU:9.0;APAC:7.3;EM:6.7;Other:4.0,Value:-0.1;Growth:-0.2;Quality:-0.1;Size:+0.5;Momentum:-0.2;LowVol:-0.6,,7,35,4.5,trailing 9%,230,20.7,Volatile,23.1,3.77,2.7,122,9,64,58,false,Buy,Add to core equity +1%,0,8,BrokerA,MKT,100,None,None,Normal monitoring,-34,-1,105,5,false,Within IPS guidelines
P8985,Cautious,401k,USD,2024-08-02,651983,61370,590613,1.0,36.5,44.6,8.3,10.6,VOO:11.2%;BRK.B:13.2%;IEF:25.2%;VNQ:25.2%;TSLA:25.2%,US:67.6;EU:15.0;APAC:11.2;EM:5.5;Other:0.7,Value:-0.3;Growth:-0.7;Quality:-1.0;Size:-0.5;Momentum:-0.4;LowVol:+0.1,ESGOnly;NoMargin,6,30,5.4,trailing 8%,126,19.8,Volatile,28.4,5.3,2.9,125,-34,35,61,false,NoAction,Within bands; monitor,17,-1,BrokerB,MKT,0,None,None,Normal monitoring,84,13,166,3,false,Tax-aware sells next window
P8986,Systematic,401k,USD,2025-04-09,948043,87594,860449,1.0,61.9,31.3,0.0,6.8,VNQ:23.8%;GLD:23.8%;VTI:23.8%;HYG:14.5%;MUB:14.1%,US:75.9;EU:11.8;APAC:7.3;EM:3.9;Other:1.0,Value:+0.2;Growth:+0.9;Quality:+0.8;Size:-0.4;Momentum:+0.6;LowVol:+0.3,,7,35,5.4,trailing 8%,183,20.5,Bull,15.4,4.92,3.2,82,50,87,57,false,Sell,Trim extended winner -1%,5,2,BrokerC,MKT,90,None,None,Normal monitoring,28,-40,3,5,false,Tighten stops on momentum names
P8987,Hands-off,Trust,USD,2025-01-21,329065,32809,296256,1.0,68.6,18.2,4.4,8.8,AMZN:27.1%;QQQ:27.1%;MUB:27.1%;BRK.B:18.7%,US:65.4;EU:21.1;APAC:8.7;EM:4.1;Other:0.8,Value:-0.0;Growth:+0.5;Quality:-0.1;Size:-0.8;Momentum:-0.9;LowVol:0.0,MaxPos6%,10,30,5.7,trailing 8%,95,12.4,Sideways,16.4,3.85,3.4,114,44,75,60,false,Hedge,Add TLT +1% as duration hedge,3,-12,BrokerB,MKT,95,None,None,Normal monitoring,13,-28,-12,4,false,Increase defensive factor exposure
P8988,Hands-off,Roth,USD,2025-09-21,533942,26285,507657,1.0,74.7,16.3,2.9,6.0,IEF:35.2%;VTI:29.7%;AAPL:35.2%,US:60.6;EU:16.9;APAC:14.5;EM:6.2;Other:1.8,Value:+0.2;Growth:-0.2;Quality:+0.6;Size:+0.8;Momentum:-0.6;LowVol:+0.8,ESGOnly,10,25,3.7,hard 10%,130,18.4,Bull,15.5,4.92,3.0,84,46,84,62,true,Rebalance,Rebalance back to target bands,-7,13,BrokerB,MKT,96,VAR>budget,Reduce,Risk above budget threshold,-23,-38,96,4,false,Monitor dispersion and breadth
P8989,Active,IRA,USD,2025-11-02,1774975,206646,1568329,1.0,57.5,23.8,13.3,5.3,GLD:20.8%;AMZN:14.6%;VOO:21.5%;XLF:21.6%;AAPL:21.6%,US:69.2;EU:5.2;APAC:13.2;EM:10.7;Other:1.7,Value:+0.3;Growth:-0.6;Quality:+0.6;Size:-1.0;Momentum:+0.4;LowVol:-0.3,MaxPos5%,8,35,4.9,trailing 8%,144,24.5,Bull,17.4,4.46,3.2,120,46,82,57,false,Buy,Add to core equity +1%,34,-19,BrokerB,MKT,99,None,None,Normal monitoring,-39,-16,14,5,false,Monitor dispersion and breadth
P8990,Hands-off,IRA,USD,2024-10-31,211168,9547,201621,1.0,65.7,25.7,0.0,8.5,HYG:29.0%;TLT:22.7%;MUB:29.0%;XLF:19.3%,US:59.2;EU:9.1;APAC:16.4;EM:11.3;Other:3.9,Value:+0.9;Growth:+0.6;Quality:0.0;Size:-0.6;Momentum:-0.5;LowVol:-0.4,,7,30,5.9,hard 10%,113,18.3,Sideways,15.5,4.6,2.4,111,-27,22,55,false,Rebalance,Shift +1% to bonds from equity,-11,-23,BrokerC,LMT,93,None,None,Normal monitoring,-42,-31,94,5,false,Within IPS guidelines
P8991,Cautious,Trust,USD,2025-05-30,230673,28693,201980,1.0,43.2,31.9,10.5,14.4,XLF:19.8%;MUB:21.9%;BRK.B:19.7%;HYG:13.0%;BND:8.8%;AAPL:16.8%,US:61.5;EU:17.5;APAC:7.5;EM:7.4;Other:6.0,Value:+0.2;Growth:-0.3;Quality:-0.6;Size:+0.4;Momentum:-0.3;LowVol:+1.0,ESGOnly;MaxPos6%;NoMargin,6,25,3.8,trailing 10%,119,12.9,Bull,12.7,4.56,3.4,90,46,74,29,false,Rebalance,Shift +1% to bonds from equity,7,-8,BrokerA,LMT,85,None,None,Normal monitoring,30,-14,143,4,false,Increase defensive factor exposure
P8992,Systematic,401k,USD,2025-10-17,595082,52528,542554,1.0,64.7,29.8,0.0,5.5,TSLA:21.4%;MUB:21.4%;MSFT:21.4%;BND:10.5%;BRK.B:12.3%;IEF:13.0%,US:72.1;EU:6.7;APAC:9.1;EM:6.0;Other:6.2,Value:-0.5;Growth:-0.3;Quality:-0.5;Size:-0.7;Momentum:+0.4;LowVol:-0.5,MaxPos7%,5,25,4.8,trailing 8%,160,23.7,Bull,17.2,4.72,3.1,86,101,87,63,false,Sell,Trim extended winner -1%,-3,-29,BrokerA,MKT,92,None,None,Normal monitoring,-27,-52,-9,3,false,Tax-aware sells next window
P8993,Active,Trust,USD,2024-10-14,1384106,151762,1232344,1.0,67.7,25.0,0.0,7.3,HYG:27.4%;AMZN:27.4%;AAPL:22.9%;BRK.B:22.3%,US:65.6;EU:13.9;APAC:9.3;EM:7.1;Other:4.2,Value:-0.9;Growth:+0.4;Quality:+0.8;Size:+0.6;Momentum:+0.7;LowVol:+0.6,MaxPos5%,10,35,4.6,trailing 8%,229,19.6,Bear,32.4,4.1,2.3,156,34,82,90,true,Reduce,"Cut high-beta by 2-3%, add cash",34,15,BrokerB,LMT,85,VAR>budget,TightenStops,Risk above budget threshold,117,16,173,5,false,Tax-aware sells next window
P8994,Active,IRA,USD,2025-03-03,1155885,105239,1050646,1.15,58.1,28.2,7.2,6.5,MUB:16.1%;HYG:11.8%;MSFT:24.7%;IEF:24.7%;QQQ:22.7%,US:58.9;EU:13.7;APAC:14.9;EM:7.8;Other:4.8,Value:0.0;Growth:+0.9;Quality:-0.5;Size:-0.7;Momentum:0.0;LowVol:+0.5,,7,35,4.5,trailing 9%,127,26.4,Bull,14.2,4.87,3.4,116,68,86,42,true,Rebalance,Rebalance back to target bands,9,-16,BrokerC,VWAP,95,Drift>tolerance,Pause,Allocation drift beyond policy bands,-2,-50,124,4,false,Tax-aware sells next window
P8995,Opportunistic,401k,USD,2024-09-13,1420413,71262,1349151,1.06,63.3,20.4,8.8,7.5,QQQ:21.4%;MUB:27.4%;BRK.B:27.4%;HYG:23.9%,US:62.9;EU:16.6;APAC:7.0;EM:9.7;Other:3.7,Value:-0.2;Growth:-0.3;Quality:-0.9;Size:+1.0;Momentum:+0.4;LowVol:-0.3,MaxPos6%,6,25,4.6,hard 12%,174,33.3,Bull,17.3,4.06,2.0,104,83,81,58,false,Sell,Trim extended winner -1%,30,-17,BrokerD,MKT,97,None,None,Normal monitoring,84,8,119,3,false,Tighten stops on momentum names
P8996,Cautious,401k,USD,2025-05-22,774944,64763,710181,1.0,40.7,40.8,3.3,15.2,MUB:25.7%;AMZN:24.3%;QQQ:25.7%;BRK.B:24.4%,US:61.4;EU:15.9;APAC:10.6;EM:10.7;Other:1.5,Value:+0.9;Growth:-0.2;Quality:+0.2;Size:+0.9;Momentum:+0.3;LowVol:-0.2,ESGOnly;NoMargin,8,25,3.1,trailing 10%,141,12.6,Volatile,24.9,3.95,4.2,155,24,60,60,true,Hedge,Buy index puts 1% notional,35,-8,BrokerD,LMT,99,VAR>budget,Reduce,Risk above budget threshold,0,-13,-19,2,false,Within IPS guidelines
P8997,Opportunistic,Roth,USD,2025-09-03,1701424,146973,1554451,1.0,63.8,10.3,18.5,7.4,BRK.B:15.1%;HYG:11.9%;QQQ:20.2%;XLF:14.8%;MSFT:17.2%;AAPL:20.8%,US:58.4;EU:15.5;APAC:12.5;EM:10.6;Other:3.0,Value:+0.1;Growth:-0.8;Quality:+0.6;Size:+0.8;Momentum:+0.1;LowVol:+0.9,,5,30,5.7,trailing 9%,218,27.3,Sideways,19.3,4.59,2.6,134,47,63,64,false,NoAction,Within bands; monitor,8,-27,BrokerC,LMT,88,None,None,Normal monitoring,23,-15,104,5,false,Monitor dispersion and breadth
P8998,Opportunistic,Roth,USD,2024-08-09,404647,20423,384224,1.23,61.6,14.8,17.9,5.7,QQQ:19.4%;MUB:23.2%;AMZN:23.2%;BND:18.8%;TLT:15.6%,US:71.0;EU:9.9;APAC:8.2;EM:9.7;Other:1.2,Value:+0.9;Growth:-0.0;Quality:+0.9;Size:+0.4;Momentum:-0.8;LowVol:-0.1,,10,35,4.5,trailing 7%,161,25.6,Bear,22.0,3.67,1.9,132,-64,21,64,false,Rebalance,Shift +1% to bonds from equity,15,-30,BrokerC,VWAP,90,None,None,Normal monitoring,18,3,38,4,false,Tighten stops on momentum names
P8999,Cautious,Taxable,USD,2025-08-20,613531,65037,548494,1.0,38.6,39.8,4.4,17.2,MUB:21.8%;VNQ:11.1%;AMZN:21.8%;VOO:21.8%;BRK.B:15.0%;XLF:8.5%,US:73.3;EU:13.2;APAC:7.4;EM:3.4;Other:2.7,Value:-0.2;Growth:-0.5;Quality:-0.1;Size:-0.5;Momentum:+0.7;LowVol:+0.1,NoDerivatives;NoMargin,7,35,5.9,trailing 8%,161,18.8,Bull,12.6,4.91,2.7,73,22,58,34,true,Hedge,Buy index puts 1% notional,16,8,BrokerB,MKT,92,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,21,-42,49,4,false,Tighten stops on momentum names
P9000,Hands-off,Roth,USD,2025-09-30,845662,55298,790364,1.0,57.1,18.2,15.3,9.4,BND:21.1%;XLF:26.3%;MSFT:26.3%;MUB:26.3%,US:55.5;EU:18.3;APAC:13.6;EM:7.5;Other:5.0,Value:-0.2;Growth:-1.0;Quality:+0.1;Size:+0.9;Momentum:-0.7;LowVol:-0.0,ESGOnly;MaxPos6%,5,35,3.2,trailing 8%,90,13.4,Bear,31.8,3.66,1.4,209,30,76,72,true,Reduce,"Cut high-beta by 2-3%, add cash",-8,-8,BrokerB,LMT,91,VAR>budget,Hedge,Risk above budget threshold,72,-48,51,5,false,Tighten stops on momentum names
P9001,Systematic,IRA,USD,2024-10-29,1576436,139736,1436700,1.0,65.9,26.0,1.8,6.3,HYG:29.1%;QQQ:35.4%;VNQ:35.4%,US:70.4;EU:9.2;APAC:9.7;EM:8.6;Other:2.0,Value:+0.6;Growth:+0.3;Quality:-0.8;Size:+0.5;Momentum:+0.3;LowVol:+0.4,,10,30,4.9,trailing 8%,156,25.2,Sideways,17.1,4.5,2.2,133,1,35,45,false,Rebalance,Shift +1% to bonds from equity,2,-8,BrokerB,VWAP,98,None,None,Normal monitoring,113,-29,203,4,false,Monitor dispersion and breadth
P9002,Cautious,IRA,USD,2025-12-02,230829,27551,203278,1.0,49.1,36.9,0.0,14.0,QQQ:22.1%;AAPL:10.1%;VNQ:19.9%;TSLA:15.0%;MSFT:22.1%;BND:10.9%,US:63.2;EU:12.3;APAC:12.9;EM:8.4;Other:3.2,Value:+1.0;Growth:+0.2;Quality:+0.1;Size:-0.3;Momentum:0.0;LowVol:+0.3,MaxPos6%;NoMargin,10,35,4.2,trailing 8%,147,14.8,Bear,22.4,3.42,1.6,177,-63,24,57,false,Sell,Trim extended winner -1%,34,-23,BrokerD,MKT,90,None,None,Normal monitoring,105,-40,158,3,false,Tax-aware sells next window
P9003,Systematic,IRA,USD,2024-09-16,1136450,64776,1071674,1.0,60.8,31.2,0.0,7.9,XLF:24.2%;VOO:11.0%;GLD:24.2%;TLT:24.2%;TSLA:16.4%,US:62.9;EU:12.7;APAC:13.1;EM:5.9;Other:5.3,Value:+0.4;Growth:+0.6;Quality:-0.1;Size:+0.4;Momentum:-0.8;LowVol:+0.3,MaxPos5%;NoDerivatives,6,35,4.9,hard 12%,219,17.7,Volatile,31.7,4.26,3.4,140,66,97,80,true,Hedge,Buy index puts 1% notional,-15,-19,BrokerC,MKT,98,Drift>tolerance,Pause,Allocation drift beyond policy bands,-10,-25,115,5,false,Monitor dispersion and breadth
P9004,Systematic,Taxable,USD,2025-10-21,1835809,86948,1748861,1.0,62.7,31.9,0.0,5.3,VTI:33.9%;MSFT:32.1%;VNQ:33.9%,US:68.1;EU:10.8;APAC:10.7;EM:7.6;Other:2.9,Value:+0.4;Growth:+0.3;Quality:-0.9;Size:-0.6;Momentum:-0.6;LowVol:-0.8,MaxPos8%,10,35,5.6,trailing 8%,145,20.6,Volatile,26.2,4.9,4.1,133,38,68,72,true,Hedge,Buy index puts 1% notional,21,-26,BrokerC,VWAP,98,VAR>budget,TightenStops,Risk above budget threshold,-58,-46,-32,5,false,Tighten stops on momentum names
P9005,Systematic,Taxable,USD,2024-09-19,1505779,124535,1381244,1.0,67.7,27.3,0.0,5.0,XLF:33.3%;VTI:33.3%;GLD:33.3%,US:60.2;EU:15.1;APAC:14.6;EM:6.3;Other:4.0,Value:+0.6;Growth:+0.4;Quality:+0.6;Size:-0.3;Momentum:-0.1;LowVol:-0.3,,7,30,4.1,trailing 8%,160,16.6,Bull,17.6,3.69,2.8,92,81,92,65,true,Hedge,Buy index puts 1% notional,-11,-10,BrokerC,MKT,89,VAR>budget,TightenStops,Risk above budget threshold,39,-39,99,2,false,Tax-aware sells next window
P9006,Hands-off,Roth,USD,2025-02-08,621932,33892,588040,1.0,65.6,17.8,11.6,5.0,BND:24.5%;QQQ:9.7%;MUB:24.5%;HYG:24.5%;GLD:16.9%,US:64.9;EU:14.6;APAC:10.9;EM:9.1;Other:0.5,Value:+0.9;Growth:+0.4;Quality:+0.3;Size:-0.3;Momentum:+0.3;LowVol:+0.6,,8,30,3.2,trailing 8%,140,17.6,Volatile,30.6,5.25,4.1,159,57,74,81,true,Reduce,"Cut high-beta by 2-3%, add cash",-3,10,BrokerA,VWAP,97,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-18,-28,113,5,false,Monitor dispersion and breadth
P9007,Cautious,401k,USD,2025-04-09,211619,17775,193844,1.0,52.4,36.8,0.0,10.8,IEF:25.9%;BND:25.9%;TSLA:22.3%;TLT:25.9%,US:65.8;EU:9.8;APAC:12.2;EM:10.1;Other:2.0,Value:+0.6;Growth:+0.9;Quality:+0.8;Size:+0.4;Momentum:+1.0;LowVol:-0.2,ESGOnly;MaxPos8%;NoMargin,10,35,3.6,trailing 8%,159,12.3,Volatile,23.9,4.62,3.3,113,43,63,49,false,Buy,Add to core equity +1%,-1,-10,BrokerC,LMT,96,None,None,Normal monitoring,61,-12,104,5,false,Tax-aware sells next window
P9008,Opportunistic,401k,USD,2024-11-06,1582206,62387,1519819,1.0,70.4,10.9,11.3,7.4,GLD:25.0%;QQQ:25.0%;TSLA:25.0%;BND:25.0%,US:64.4;EU:15.4;APAC:7.7;EM:8.1;Other:4.4,Value:+0.4;Growth:-0.3;Quality:-0.5;Size:+0.5;Momentum:+0.2;LowVol:-0.6,MaxPos8%;NoDerivatives,6,35,4.9,hard 12%,209,21.4,Bear,26.0,4.04,2.5,202,-11,52,66,false,Buy,Add to core equity +1%,-4,13,BrokerA,LMT,91,None,None,Normal monitoring,-35,-27,-51,5,false,Tax-aware sells next window
P9009,Cautious,Trust,USD,2025-09-17,664213,80449,583764,1.0,36.7,40.0,9.9,13.4,GLD:33.3%;AMZN:33.3%;VOO:33.3%,US:63.2;EU:16.9;APAC:15.3;EM:3.8;Other:0.8,Value:+0.4;Growth:-0.8;Quality:-0.8;Size:-0.2;Momentum:-0.9;LowVol:-0.5,ESGOnly;NoMargin,5,30,5.1,hard 10%,170,14.9,Bull,17.2,4.23,3.3,79,18,59,41,false,Rebalance,Shift +1% to bonds from equity,-11,-25,BrokerC,MKT,86,None,None,Normal monitoring,-44,-14,93,4,false,Within IPS guidelines
P9010,Hands-off,Taxable,USD,2025-06-05,219372,21397,197975,1.0,60.4,27.0,3.4,9.3,XLF:33.3%;TLT:33.3%;MSFT:33.3%,US:70.9;EU:10.5;APAC:5.6;EM:9.8;Other:3.2,Value:+0.7;Growth:+0.6;Quality:-0.1;Size:+0.9;Momentum:-0.2;LowVol:+0.8,ESGOnly;MaxPos7%,7,35,5.1,trailing 8%,157,19.5,Sideways,21.3,4.05,3.2,106,11,47,65,true,Reduce,"Cut high-beta by 2-3%, add cash",-1,-28,BrokerB,MKT,89,Drift>tolerance,Reduce,Allocation drift beyond policy bands,101,-15,202,4,false,Increase defensive factor exposure
P9011,Opportunistic,Taxable,USD,2024-12-06,1423886,63103,1360783,1.0,70.9,19.5,3.1,6.4,IEF:17.8%;TLT:13.3%;MSFT:18.2%;BND:10.2%;GLD:20.4%;BRK.B:20.1%,US:63.8;EU:15.7;APAC:9.6;EM:6.3;Other:4.6,Value:-0.1;Growth:-0.1;Quality:+0.5;Size:-0.2;Momentum:+0.9;LowVol:-0.1,,10,25,4.6,hard 12%,249,30.3,Bull,13.8,3.72,2.6,74,69,83,50,false,Rebalance,Shift +1% to bonds from equity,-2,0,BrokerB,VWAP,94,None,None,Normal monitoring,-9,-54,13,4,false,Tighten stops on momentum names
P9012,Cautious,Roth,USD,2025-05-14,833685,106975,726710,1.0,54.0,34.1,1.6,10.3,HYG:28.6%;VTI:28.6%;QQQ:28.6%;AAPL:14.3%,US:67.7;EU:12.2;APAC:7.2;EM:10.2;Other:2.7,Value:+0.5;Growth:+0.1;Quality:-0.5;Size:+0.3;Momentum:+1.0;LowVol:-0.1,ESGOnly;NoMargin,5,25,5.3,hard 10%,156,14.9,Volatile,30.2,5.09,4.3,139,77,86,76,true,Hedge,Buy index puts 1% notional,20,-20,BrokerD,VWAP,97,Drift>tolerance,Pause,Allocation drift beyond policy bands,-15,15,81,4,false,Tax-aware sells next window
P9013,Cautious,Roth,USD,2024-12-20,890047,101416,788631,1.0,40.2,33.5,15.1,11.3,TSLA:14.0%;TLT:16.8%;BRK.B:24.1%;IEF:21.0%;MUB:24.1%,US:72.2;EU:13.8;APAC:5.9;EM:7.2;Other:0.9,Value:+0.8;Growth:+0.9;Quality:+0.7;Size:-0.0;Momentum:+0.3;LowVol:+0.5,NoMargin,8,35,3.2,trailing 10%,96,15.6,Volatile,20.8,4.64,4.5,174,-7,49,37,false,Hedge,Add TLT +1% as duration hedge,-1,-35,BrokerB,MKT,100,None,None,Normal monitoring,6,-43,119,3,false,Monitor dispersion and breadth
P9014,Opportunistic,Roth,USD,2025-03-20,720057,44194,675863,1.0,72.2,18.8,2.7,6.2,VTI:25.0%;VNQ:25.0%;HYG:25.0%;QQQ:25.0%,US:68.2;EU:17.1;APAC:9.5;EM:5.1;Other:0.2,Value:+0.7;Growth:+0.9;Quality:+0.8;Size:-0.0;Momentum:+1.0;LowVol:-0.8,MaxPos6%,10,35,6.8,trailing 9%,189,32.2,Bear,32.6,3.25,1.7,134,-11,42,96,true,Hedge,Buy index puts 1% notional,26,6,BrokerC,MKT,91,VAR>budget,Hedge,Risk above budget threshold,67,3,125,3,false,Within IPS guidelines
P9015,Hands-off,Taxable,USD,2025-06-25,648491,63175,585316,1.0,64.9,25.8,2.1,7.2,TSLA:21.1%;BND:21.1%;VTI:14.4%;IEF:11.9%;VNQ:12.7%;GLD:18.7%,US:74.4;EU:8.0;APAC:10.5;EM:5.2;Other:1.9,Value:+0.5;Growth:+0.9;Quality:-0.6;Size:+0.2;Momentum:-0.1;LowVol:-0.8,ESGOnly;NoDerivatives,10,25,5.3,trailing 8%,95,14.3,Volatile,24.5,4.39,4.2,123,-26,31,72,true,Hedge,Buy index puts 1% notional,-11,-33,BrokerB,LMT,100,VAR>budget,Hedge,Risk above budget threshold,113,3,119,2,false,Tax-aware sells next window
P9016,Hands-off,Trust,USD,2025-01-14,386433,27666,358767,1.0,57.6,27.3,7.3,7.8,TLT:22.7%;IEF:9.0%;QQQ:22.7%;BRK.B:11.9%;XLF:22.7%;VOO:11.0%,US:71.3;EU:5.6;APAC:9.9;EM:8.8;Other:4.4,Value:+0.2;Growth:-0.9;Quality:+0.9;Size:-0.4;Momentum:-0.6;LowVol:-0.8,,10,35,3.0,trailing 8%,135,16.5,Volatile,21.1,4.61,2.7,115,-19,54,59,false,Rebalance,Shift +1% to bonds from equity,22,-31,BrokerC,MKT,99,None,None,Normal monitoring,115,-57,78,4,false,Tighten stops on momentum names
P9017,Cautious,Taxable,USD,2025-07-31,435743,43437,392306,1.0,47.4,37.8,0.0,14.8,GLD:10.4%;VOO:15.6%;TLT:21.2%;VTI:17.9%;VNQ:15.8%;QQQ:19.1%,US:65.4;EU:16.9;APAC:9.0;EM:6.4;Other:2.3,Value:+0.6;Growth:+0.2;Quality:+0.4;Size:+0.7;Momentum:-0.5;LowVol:+0.6,MaxPos6%;NoMargin,8,35,3.6,trailing 8%,168,16.4,Bull,13.4,4.49,2.3,74,113,100,43,false,Rebalance,Shift +1% to bonds from equity,30,7,BrokerA,LMT,89,None,None,Normal monitoring,33,-15,4,4,false,Tax-aware sells next window
P9018,Cautious,IRA,USD,2025-07-05,883961,82167,801794,1.0,38.3,34.5,12.9,14.3,BRK.B:18.7%;TLT:27.1%;AMZN:27.1%;HYG:27.1%,US:70.1;EU:10.6;APAC:5.2;EM:10.6;Other:3.5,Value:-1.0;Growth:+0.7;Quality:-0.0;Size:-0.8;Momentum:-0.7;LowVol:-0.1,MaxPos7%;NoDerivatives;NoMargin,8,30,4.0,trailing 10%,156,19.2,Bear,29.0,3.29,2.4,143,-29,40,52,false,Rebalance,Shift +1% to bonds from equity,1,-19,BrokerC,LMT,97,None,None,Normal monitoring,66,17,203,3,false,Monitor dispersion and breadth
P9019,Cautious,Taxable,USD,2025-01-03,573878,70104,503774,1.0,45.7,33.6,7.8,13.0,IEF:16.8%;BND:14.4%;QQQ:20.3%;MUB:18.6%;AMZN:19.6%;BRK.B:10.4%,US:75.1;EU:11.5;APAC:5.9;EM:5.9;Other:1.7,Value:-0.1;Growth:+0.3;Quality:+0.1;Size:+0.2;Momentum:-0.1;LowVol:+0.1,ESGOnly;NoMargin,5,25,5.9,trailing 10%,111,17.0,Volatile,20.1,3.54,3.4,173,64,71,42,false,Rebalance,Shift +1% to bonds from equity,14,-30,BrokerD,LMT,88,None,None,Normal monitoring,101,7,159,3,false,Increase defensive factor exposure
P9020,Active,Taxable,USD,2024-10-07,1068384,99387,968997,1.0,54.2,20.7,16.8,8.3,VOO:25.0%;HYG:25.0%;BND:25.0%;VNQ:25.0%,US:60.1;EU:19.4;APAC:13.7;EM:6.3;Other:0.4,Value:+0.7;Growth:+0.6;Quality:+0.5;Size:+0.4;Momentum:-0.0;LowVol:+0.9,NoDerivatives,6,30,4.2,hard 12%,210,19.3,Bear,22.7,4.24,3.0,130,0,39,64,true,Reduce,"Cut high-beta by 2-3%, add cash",5,9,BrokerA,MKT,100,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,55,15,175,3,false,Tax-aware sells next window
P9021,Active,Trust,USD,2025-05-02,2093943,138445,1955498,1.23,56.1,24.1,10.5,9.2,VOO:18.9%;VTI:27.0%;AAPL:27.0%;BND:27.0%,US:63.4;EU:18.3;APAC:8.8;EM:7.9;Other:1.6,Value:+0.4;Growth:-0.9;Quality:-0.2;Size:+1.0;Momentum:-1.0;LowVol:+0.4,NoDerivatives,10,30,5.6,trailing 9%,130,24.4,Sideways,18.1,3.98,2.3,126,40,64,41,false,NoAction,Within bands; monitor,10,3,BrokerC,MKT,0,None,None,Normal monitoring,32,-54,124,3,false,Monitor dispersion and breadth
P9022,Systematic,IRA,USD,2024-10-20,691824,66133,625691,1.0,63.5,30.0,0.0,6.6,VTI:20.9%;XLF:9.9%;BRK.B:17.4%;MUB:20.9%;TSLA:10.0%;AAPL:20.9%,US:74.0;EU:7.5;APAC:7.6;EM:10.0;Other:0.9,Value:+0.4;Growth:-0.4;Quality:-0.9;Size:-0.8;Momentum:-0.4;LowVol:-0.6,,5,35,5.4,hard 12%,153,21.8,Bull,15.4,4.75,3.5,103,59,94,39,false,Sell,Trim extended winner -1%,30,-28,BrokerA,LMT,95,None,None,Normal monitoring,114,-54,78,3,false,Tax-aware sells next window
P9023,Cautious,Trust,USD,2025-08-01,415624,38420,377204,1.0,48.3,36.0,0.0,15.7,QQQ:33.3%;TSLA:33.3%;IEF:33.3%,US:69.0;EU:14.1;APAC:6.0;EM:9.4;Other:1.5,Value:-0.9;Growth:-0.8;Quality:+0.5;Size:-0.1;Momentum:+0.9;LowVol:+0.7,ESGOnly;NoMargin,6,35,4.2,trailing 10%,160,15.9,Volatile,27.9,5.0,3.2,157,-41,44,68,false,Buy,Add to core equity +1%,29,11,BrokerA,MKT,97,None,None,Normal monitoring,-29,-59,-44,5,false,Tax-aware sells next window
P9024,Cautious,Taxable,USD,2025-12-17,507231,45157,462074,1.0,48.2,40.5,0.0,11.3,VOO:36.2%;GLD:36.2%;BRK.B:27.7%,US:70.9;EU:8.1;APAC:6.0;EM:11.4;Other:3.6,Value:+0.3;Growth:-0.5;Quality:-0.7;Size:-0.5;Momentum:+0.1;LowVol:+0.7,NoDerivatives;NoMargin,10,35,3.7,trailing 8%,113,13.3,Sideways,17.2,4.13,3.4,138,-6,57,50,false,Rebalance,Shift +1% to bonds from equity,20,-3,BrokerC,LMT,85,None,None,Normal monitoring,-8,-8,51,5,false,Increase defensive factor exposure
P9025,Opportunistic,Roth,USD,2024-10-16,635558,54227,581331,1.0,63.5,13.1,18.2,5.1,QQQ:29.6%;AAPL:16.0%;VOO:29.6%;MUB:24.8%,US:71.5;EU:6.0;APAC:13.3;EM:6.9;Other:2.2,Value:+0.1;Growth:+0.1;Quality:-0.7;Size:+0.7;Momentum:-0.8;LowVol:+0.9,MaxPos7%,5,30,6.7,trailing 9%,272,24.0,Volatile,25.9,5.38,3.7,165,-47,23,69,false,Rebalance,Shift +1% to bonds from equity,7,-6,BrokerB,MKT,96,None,None,Normal monitoring,87,-19,141,3,false,Within IPS guidelines
P9026,Active,Trust,USD,2025-11-03,2034473,235074,1799399,1.0,65.8,20.4,8.8,5.1,TSLA:20.4%;MSFT:13.9%;VOO:17.2%;GLD:19.9%;MUB:13.4%;TLT:15.2%,US:76.8;EU:11.8;APAC:5.2;EM:3.5;Other:2.6,Value:+0.1;Growth:-0.6;Quality:-0.9;Size:-0.5;Momentum:+0.6;LowVol:-0.1,MaxPos8%,5,25,5.5,trailing 9%,150,22.7,Bull,12.7,3.74,2.6,117,61,81,34,false,Buy,Add to core equity +1%,31,-40,BrokerB,LMT,86,None,None,Normal monitoring,83,-58,199,3,false,Tighten stops on momentum names
P9027,Systematic,Roth,USD,2025-06-23,639191,53871,585320,1.0,57.4,32.8,3.7,6.2,TSLA:24.3%;IEF:17.8%;AMZN:13.7%;MSFT:24.3%;QQQ:19.9%,US:63.8;EU:16.0;APAC:9.1;EM:11.1;Other:0.1,Value:+0.7;Growth:-0.8;Quality:-0.8;Size:+0.9;Momentum:-0.5;LowVol:-0.8,,5,30,5.7,trailing 9%,189,25.7,Bear,29.1,3.25,2.5,209,-102,10,64,false,Buy,Add to core equity +1%,-8,-10,BrokerB,LMT,87,None,None,Normal monitoring,109,-22,88,5,false,Increase defensive factor exposure
P9028,Cautious,Trust,USD,2025-05-19,405055,56032,349023,1.0,49.4,39.1,1.3,10.2,IEF:17.7%;BRK.B:14.3%;VTI:13.5%;TLT:21.5%;AMZN:21.5%;TSLA:11.6%,US:77.3;EU:6.2;APAC:9.3;EM:3.3;Other:3.9,Value:-0.1;Growth:+0.7;Quality:+1.0;Size:-0.1;Momentum:+0.3;LowVol:+0.7,ESGOnly;MaxPos5%;NoMargin,10,35,4.6,trailing 10%,99,14.4,Volatile,22.6,4.29,4.4,160,-4,61,58,false,Rebalance,Shift +1% to bonds from equity,15,-22,BrokerC,MKT,95,None,None,Normal monitoring,67,15,139,3,false,Monitor dispersion and breadth
P9029,Cautious,Trust,USD,2025-07-19,152554,18550,134004,1.0,40.6,35.2,14.2,10.0,XLF:23.4%;TSLA:23.4%;MSFT:16.3%;HYG:13.6%;VTI:23.4%,US:74.5;EU:10.6;APAC:6.8;EM:3.8;Other:4.3,Value:-0.2;Growth:+0.1;Quality:-0.9;Size:-0.4;Momentum:-0.0;LowVol:0.0,ESGOnly;MaxPos5%;NoDerivatives;NoMargin,7,30,5.6,trailing 8%,109,13.6,Bull,16.4,3.59,2.5,101,0,55,34,false,Hedge,Add TLT +1% as duration hedge,25,-23,BrokerC,VWAP,86,None,None,Normal monitoring,87,-16,114,3,false,Monitor dispersion and breadth
P9030,Hands-off,IRA,USD,2024-11-09,855916,56490,799426,1.0,67.1,25.2,0.6,7.0,BRK.B:33.3%;MSFT:33.3%;GLD:33.3%,US:63.9;EU:15.5;APAC:8.2;EM:12.3;Other:0.2,Value:+0.9;Growth:-0.7;Quality:-0.7;Size:+0.9;Momentum:-0.1;LowVol:-0.3,MaxPos5%,8,25,5.4,trailing 10%,162,15.0,Sideways,20.2,4.73,2.5,120,47,67,51,false,Buy,Add to core equity +1%,8,-32,BrokerC,MKT,91,None,None,Normal monitoring,18,14,114,3,false,Tax-aware sells next window
P9031,Opportunistic,IRA,USD,2024-09-29,908138,37646,870492,1.24,64.3,12.5,17.6,5.6,GLD:33.3%;TLT:33.3%;HYG:33.3%,US:69.1;EU:10.1;APAC:11.3;EM:6.9;Other:2.7,Value:-0.2;Growth:-0.9;Quality:-0.7;Size:-0.1;Momentum:+0.3;LowVol:+0.4,MaxPos8%;NoDerivatives,5,30,4.5,hard 12%,258,27.9,Bull,11.6,4.67,3.1,109,67,71,43,false,Rebalance,Shift +1% to bonds from equity,-13,11,BrokerA,LMT,88,None,None,Normal monitoring,91,-11,102,3,false,Tighten stops on momentum names
P9032,Cautious,Taxable,USD,2025-08-04,586146,67251,518895,1.0,39.0,32.7,16.7,11.6,AAPL:21.9%;AMZN:20.1%;GLD:21.9%;VOO:18.8%;QQQ:17.3%,US:66.7;EU:11.3;APAC:9.7;EM:11.8;Other:0.5,Value:-0.1;Growth:+0.8;Quality:-0.6;Size:-0.2;Momentum:+0.8;LowVol:+0.8,NoDerivatives;NoMargin,8,25,6.0,trailing 8%,126,17.4,Bull,11.3,4.17,2.8,83,101,100,29,false,NoAction,Within bands; monitor,22,-8,BrokerD,MKT,0,None,None,Normal monitoring,39,7,152,5,false,Tax-aware sells next window
P9033,Active,IRA,USD,2024-09-01,757649,72116,685533,1.11,60.4,31.3,0.0,8.3,IEF:23.2%;VNQ:23.3%;BND:23.3%;MSFT:19.1%;HYG:11.2%,US:67.8;EU:13.4;APAC:11.7;EM:6.8;Other:0.3,Value:-0.6;Growth:-0.4;Quality:-0.6;Size:+0.3;Momentum:+0.9;LowVol:+0.1,MaxPos6%,5,25,5.9,trailing 9%,197,19.0,Sideways,16.7,4.55,2.0,136,21,64,53,false,Rebalance,Shift +1% to bonds from equity,10,14,BrokerA,LMT,94,None,None,Normal monitoring,-30,9,98,3,false,Tighten stops on momentum names
P9034,Cautious,Taxable,USD,2025-07-07,186972,19637,167335,1.0,44.0,43.1,0.0,12.9,VNQ:11.4%;BRK.B:9.9%;XLF:20.2%;AMZN:15.7%;TSLA:21.4%;MSFT:21.4%,US:71.2;EU:10.0;APAC:11.1;EM:6.9;Other:0.9,Value:+0.8;Growth:+0.3;Quality:+0.4;Size:-0.1;Momentum:-0.2;LowVol:+0.5,ESGOnly;MaxPos5%;NoDerivatives;NoMargin,10,35,5.1,hard 10%,166,12.1,Volatile,30.5,4.27,3.7,160,79,85,65,false,Rebalance,Shift +1% to bonds from equity,24,-32,BrokerB,LMT,95,None,None,Normal monitoring,98,3,157,3,false,Tighten stops on momentum names
P9035,Cautious,Taxable,USD,2025-05-04,831096,122025,709071,1.0,48.7,34.6,3.4,13.3,MUB:22.6%;TSLA:27.9%;VTI:27.9%;AMZN:21.7%,US:68.8;EU:10.0;APAC:12.5;EM:8.1;Other:0.5,Value:+0.8;Growth:+0.1;Quality:+0.2;Size:0.0;Momentum:+0.1;LowVol:-0.1,NoDerivatives;NoMargin,7,25,4.6,hard 10%,168,18.7,Sideways,16.8,3.73,2.5,115,49,87,44,false,Buy,Add to core equity +1%,32,-39,BrokerA,MKT,85,None,None,Normal monitoring,43,-37,175,3,false,Increase defensive factor exposure
P9036,Opportunistic,Trust,USD,2024-12-03,656602,58701,597901,1.0,69.2,18.7,7.2,5.0,XLF:20.1%;AAPL:22.7%;VOO:22.7%;QQQ:17.8%;BRK.B:16.7%,US:65.5;EU:17.3;APAC:14.0;EM:3.2;Other:0.1,Value:+0.2;Growth:+1.0;Quality:+0.9;Size:-0.9;Momentum:+0.4;LowVol:-0.6,,5,30,5.3,hard 12%,174,21.5,Volatile,26.1,5.0,3.8,152,-35,35,68,false,Rebalance,Shift +1% to bonds from equity,15,4,BrokerA,MKT,91,None,None,Normal monitoring,54,-42,138,5,false,Increase defensive factor exposure
P9037,Systematic,Taxable,USD,2025-02-21,443316,26340,416976,1.0,63.4,28.6,0.0,8.0,HYG:19.8%;TSLA:18.9%;BRK.B:13.9%;AMZN:23.7%;VOO:23.7%,US:62.1;EU:11.1;APAC:13.4;EM:10.5;Other:2.8,Value:-0.6;Growth:+0.7;Quality:-0.5;Size:+0.8;Momentum:+0.7;LowVol:+0.1,NoDerivatives,5,30,4.1,trailing 8%,131,20.3,Volatile,29.7,5.31,4.0,125,-58,30,81,true,Rebalance,Rebalance back to target bands,26,-9,BrokerB,LMT,96,Drift>tolerance,Reduce,Allocation drift beyond policy bands,49,-3,90,4,false,Within IPS guidelines
P9038,Hands-off,Trust,USD,2025-06-03,687059,48168,638891,1.0,70.7,23.5,0.0,5.8,VNQ:15.1%;TSLA:25.8%;MUB:12.1%;GLD:21.3%;AMZN:25.8%,US:72.4;EU:7.2;APAC:9.8;EM:7.5;Other:3.2,Value:+0.1;Growth:-0.3;Quality:-0.9;Size:-0.8;Momentum:-0.6;LowVol:+0.2,ESGOnly;NoDerivatives,7,30,3.6,trailing 8%,147,16.5,Volatile,21.0,3.78,2.7,145,-9,45,74,true,Hedge,Buy index puts 1% notional,28,-22,BrokerA,LMT,86,Drift>tolerance,Reduce,Allocation drift beyond policy bands,16,-51,113,5,false,Increase defensive factor exposure
P9039,Cautious,Roth,USD,2024-07-31,473946,55299,418647,1.0,42.4,30.3,15.1,12.1,XLF:17.3%;TLT:22.3%;BRK.B:16.6%;MSFT:9.2%;MUB:12.2%;VNQ:22.3%,US:58.8;EU:16.5;APAC:14.4;EM:7.6;Other:2.6,Value:+0.8;Growth:-0.9;Quality:-0.4;Size:+0.3;Momentum:+1.0;LowVol:-0.4,MaxPos5%;NoMargin,5,30,4.5,trailing 8%,120,13.0,Volatile,20.8,5.3,2.4,156,73,87,54,true,Reduce,"Cut high-beta by 2-3%, add cash",29,-32,BrokerD,VWAP,91,RegimeShift,Reduce,Volatility spike and breadth deterioration,-18,-36,-52,5,false,Tighten stops on momentum names
P9040,Active,Roth,USD,2024-09-20,1558272,137050,1421222,1.0,57.6,26.5,7.0,8.8,TSLA:26.1%;BND:9.6%;XLF:12.1%;VOO:26.1%;GLD:26.1%,US:77.7;EU:7.0;APAC:6.6;EM:4.3;Other:4.4,Value:-0.5;Growth:-0.1;Quality:+0.3;Size:-0.6;Momentum:-0.2;LowVol:+0.9,,7,35,5.9,trailing 9%,161,16.7,Volatile,28.3,4.69,4.1,146,-31,40,67,false,NoAction,Within bands; monitor,1,13,BrokerB,LMT,93,None,None,Normal monitoring,116,-25,220,5,false,Within IPS guidelines
P9041,Hands-off,Trust,USD,2024-11-19,816738,73236,743502,1.0,56.4,16.6,19.1,7.8,AAPL:14.3%;AMZN:22.0%;GLD:22.0%;XLF:19.8%;VNQ:22.0%,US:65.4;EU:7.6;APAC:13.5;EM:11.1;Other:2.4,Value:+0.5;Growth:-0.0;Quality:+0.9;Size:+0.9;Momentum:-0.1;LowVol:+0.9,MaxPos7%,7,35,3.8,trailing 10%,97,19.8,Sideways,21.9,3.96,2.8,116,-21,38,54,false,Rebalance,Shift +1% to bonds from equity,-2,-29,BrokerA,MKT,96,None,None,Normal monitoring,59,7,103,4,false,Tax-aware sells next window
P9042,Active,Roth,USD,2024-12-18,2085547,247531,1838016,1.0,62.6,27.9,3.0,6.5,TLT:26.6%;VOO:26.6%;XLF:20.3%;IEF:26.6%,US:57.6;EU:14.9;APAC:14.9;EM:12.2;Other:0.4,Value:+0.6;Growth:-0.9;Quality:-0.2;Size:+1.0;Momentum:+0.3;LowVol:+0.6,,10,30,5.5,trailing 8%,137,22.4,Sideways,15.4,4.14,2.7,124,35,78,41,false,Rebalance,Shift +1% to bonds from equity,12,-38,BrokerB,LMT,97,None,None,Normal monitoring,83,-16,172,5,false,Monitor dispersion and breadth
P9043,Systematic,IRA,USD,2024-08-08,1762260,120795,1641465,1.0,64.9,22.1,6.2,6.8,MSFT:33.3%;QQQ:33.3%;AAPL:33.3%,US:67.2;EU:14.0;APAC:12.8;EM:4.3;Other:1.6,Value:-0.3;Growth:+0.6;Quality:-0.5;Size:+0.2;Momentum:-0.7;LowVol:+0.1,MaxPos6%,8,25,5.1,trailing 9%,163,21.7,Bull,11.7,3.85,3.0,71,62,90,36,false,NoAction,Within bands; monitor,6,-10,BrokerB,MKT,0,None,None,Normal monitoring,68,-34,167,5,false,Tighten stops on momentum names
P9044,Active,Roth,USD,2025-05-20,987786,67579,920207,1.0,57.5,19.3,13.8,9.5,IEF:26.1%;BRK.B:26.1%;AMZN:26.1%;VOO:21.7%,US:72.3;EU:7.7;APAC:14.4;EM:5.3;Other:0.3,Value:+0.2;Growth:-0.5;Quality:+0.2;Size:+0.7;Momentum:-0.5;LowVol:+0.2,,6,35,5.7,trailing 9%,193,22.4,Bull,13.5,4.9,2.5,93,102,100,49,false,Sell,Trim extended winner -1%,8,7,BrokerC,LMT,87,None,None,Normal monitoring,23,0,99,3,false,Monitor dispersion and breadth
P9045,Active,Roth,USD,2025-11-28,2362272,163413,2198859,1.0,54.0,25.5,12.8,7.7,BND:33.3%;TLT:33.3%;VNQ:33.3%,US:65.0;EU:6.1;APAC:12.1;EM:11.9;Other:4.9,Value:+0.2;Growth:-0.5;Quality:-0.0;Size:+0.6;Momentum:-0.3;LowVol:+0.5,,7,25,5.0,hard 12%,203,27.8,Sideways,18.5,3.98,2.1,126,-18,38,58,false,Sell,Trim extended winner -1%,-15,-16,BrokerC,LMT,95,None,None,Normal monitoring,118,-37,170,4,false,Tax-aware sells next window
P9046,Opportunistic,Roth,USD,2024-09-09,1041464,61312,980152,1.0,66.6,12.6,14.4,6.5,MSFT:12.4%;TSLA:17.6%;GLD:23.3%;VNQ:23.3%;BND:23.3%,US:73.7;EU:5.1;APAC:13.9;EM:5.0;Other:2.2,Value:-0.1;Growth:+0.4;Quality:-0.5;Size:0.0;Momentum:+0.2;LowVol:+0.9,MaxPos6%,6,25,5.2,hard 12%,206,22.7,Bear,26.1,4.02,2.7,161,-60,21,64,false,Rebalance,Shift +1% to bonds from equity,-10,6,BrokerA,VWAP,92,None,None,Normal monitoring,-5,16,106,3,false,Increase defensive factor exposure
P9047,Hands-off,401k,USD,2025-11-25,701148,37203,663945,1.0,67.5,26.2,0.0,6.3,AAPL:21.3%;HYG:26.2%;XLF:26.2%;QQQ:26.2%,US:73.2;EU:10.2;APAC:7.0;EM:9.4;Other:0.2,Value:+0.8;Growth:+0.8;Quality:+0.1;Size:-0.8;Momentum:+0.8;LowVol:+0.6,NoDerivatives,7,30,3.0,hard 10%,139,14.2,Volatile,28.2,5.26,4.0,138,18,65,82,true,Hedge,Buy index puts 1% notional,-7,-35,BrokerA,LMT,88,VAR>budget,Hedge,Risk above budget threshold,70,-18,129,4,false,Within IPS guidelines
P9048,Active,Taxable,USD,2025-05-02,1463794,150550,1313244,1.0,65.1,26.4,0.0,8.6,AMZN:21.9%;XLF:19.2%;VNQ:21.9%;IEF:15.2%;VTI:21.9%,US:72.8;EU:11.2;APAC:6.1;EM:5.0;Other:4.9,Value:-0.0;Growth:+0.7;Quality:-0.3;Size:-0.5;Momentum:+0.8;LowVol:+0.8,MaxPos7%,8,30,4.8,trailing 8%,138,24.1,Volatile,30.3,5.28,2.2,166,39,78,70,false,Sell,Trim extended winner -1%,-4,1,BrokerC,MKT,95,None,None,Normal monitoring,22,-41,-1,5,false,Tax-aware sells next window
P9049,Hands-off,IRA,USD,2025-12-23,170771,7472,163299,1.0,59.5,29.3,3.8,7.3,MUB:19.0%;AMZN:14.1%;TLT:22.3%;XLF:22.3%;QQQ:22.3%,US:74.1;EU:5.8;APAC:8.8;EM:9.7;Other:1.6,Value:-0.4;Growth:+0.8;Quality:-0.9;Size:+0.7;Momentum:+0.7;LowVol:+0.3,MaxPos6%,10,30,5.6,trailing 8%,105,12.4,Volatile,23.2,4.84,3.7,174,52,72,65,false,Sell,Trim extended winner -1%,-12,11,BrokerC,LMT,87,None,None,Normal monitoring,20,-44,97,4,false,Tax-aware sells next window
P9050,Cautious,Trust,USD,2025-01-21,796348,65229,731119,1.0,41.3,39.5,1.6,17.6,QQQ:34.7%;VOO:34.7%;VTI:30.7%,US:69.5;EU:14.5;APAC:7.2;EM:6.2;Other:2.7,Value:+0.7;Growth:-0.5;Quality:-0.7;Size:+0.8;Momentum:0.0;LowVol:+0.6,ESGOnly;MaxPos5%;NoMargin,6,25,5.0,trailing 8%,129,18.0,Bull,12.1,4.45,3.2,75,88,94,27,false,Buy,Add to core equity +1%,-5,-28,BrokerD,LMT,90,None,None,Normal monitoring,116,15,223,3,false,Within IPS guidelines
P9051,Systematic,Taxable,USD,2025-08-16,838976,33610,805366,1.0,55.2,29.1,7.3,8.4,AMZN:7.3%;BRK.B:21.1%;VNQ:18.4%;XLF:14.4%;MSFT:17.7%;TSLA:21.1%,US:65.4;EU:11.1;APAC:12.3;EM:10.5;Other:0.7,Value:-0.3;Growth:-0.1;Quality:+0.5;Size:+0.7;Momentum:-0.4;LowVol:+0.9,MaxPos8%;NoDerivatives,10,25,4.8,hard 12%,187,20.8,Bull,11.7,3.71,2.3,96,29,70,27,false,Buy,Add to core equity +1%,5,-7,BrokerB,LMT,98,None,None,Normal monitoring,-3,-32,53,3,false,Tighten stops on momentum names
P9052,Cautious,Taxable,USD,2025-10-21,608411,62149,546262,1.0,49.3,34.6,1.9,14.2,GLD:14.9%;IEF:28.4%;AAPL:28.4%;BND:28.4%,US:70.5;EU:16.4;APAC:6.3;EM:5.0;Other:1.9,Value:+0.4;Growth:+0.6;Quality:-0.3;Size:+0.2;Momentum:-0.9;LowVol:-0.8,NoMargin,10,35,4.9,trailing 8%,112,15.9,Bull,12.5,4.65,2.6,100,34,74,33,false,Rebalance,Shift +1% to bonds from equity,-4,2,BrokerC,LMT,99,None,None,Normal monitoring,82,-30,154,5,false,Increase defensive factor exposure
P9053,Active,IRA,USD,2025-10-17,2334485,216810,2117675,1.15,59.1,24.5,9.5,6.8,IEF:29.5%;VOO:19.1%;MSFT:29.5%;BRK.B:21.9%,US:73.0;EU:9.3;APAC:10.8;EM:6.2;Other:0.7,Value:-0.2;Growth:+0.5;Quality:-0.1;Size:+0.7;Momentum:-0.9;LowVol:0.0,MaxPos7%,7,30,4.1,trailing 9%,213,25.3,Volatile,26.0,4.34,3.7,152,-42,25,77,true,Reduce,"Cut high-beta by 2-3%, add cash",22,-24,BrokerB,MKT,96,VAR>budget,Hedge,Risk above budget threshold,48,-30,73,5,false,Increase defensive factor exposure
P9054,Hands-off,Trust,USD,2025-11-18,775703,51665,724038,1.0,69.4,19.5,1.8,9.4,MSFT:22.2%;BRK.B:19.1%;VOO:9.1%;XLF:22.2%;VTI:13.9%;GLD:13.5%,US:64.7;EU:14.6;APAC:10.0;EM:5.9;Other:4.7,Value:-0.3;Growth:+0.5;Quality:-0.5;Size:+1.0;Momentum:0.0;LowVol:+0.8,ESGOnly;MaxPos5%,10,30,4.3,hard 10%,169,17.7,Bear,26.9,3.03,1.6,183,-104,5,75,true,Reduce,"Cut high-beta by 2-3%, add cash",20,9,BrokerB,MKT,94,VAR>budget,Reduce,Risk above budget threshold,46,-35,161,3,false,Tighten stops on momentum names
P9055,Systematic,401k,USD,2024-10-23,644026,57687,586339,1.0,61.5,32.9,0.0,5.6,MSFT:14.3%;HYG:11.1%;IEF:24.9%;AMZN:24.9%;VTI:24.9%,US:60.9;EU:14.4;APAC:11.0;EM:10.9;Other:2.9,Value:-0.2;Growth:-0.1;Quality:-0.6;Size:-1.0;Momentum:-0.3;LowVol:-0.1,MaxPos6%,7,35,4.0,trailing 9%,145,27.3,Volatile,23.4,4.36,3.0,111,30,72,69,false,Rebalance,Shift +1% to bonds from equity,-11,-39,BrokerD,VWAP,95,None,None,Normal monitoring,-7,-31,110,3,false,Tighten stops on momentum names
P9056,Active,Taxable,USD,2025-02-28,2276433,248666,2027767,1.07,58.8,21.4,14.7,5.2,BND:33.3%;VOO:33.3%;BRK.B:33.3%,US:67.4;EU:16.3;APAC:10.9;EM:3.5;Other:2.0,Value:+0.7;Growth:+0.4;Quality:-0.6;Size:+0.9;Momentum:0.0;LowVol:+0.8,,10,30,5.1,trailing 8%,142,19.0,Bull,16.7,4.11,3.4,93,67,93,58,false,Rebalance,Shift +1% to bonds from equity,18,-33,BrokerB,MKT,88,None,None,Normal monitoring,63,4,37,5,false,Increase defensive factor exposure
P9057,Systematic,IRA,USD,2025-09-04,775960,63869,712091,1.0,58.3,22.3,13.6,5.7,TSLA:33.3%;HYG:33.3%;MSFT:33.3%,US:60.0;EU:20.2;APAC:12.4;EM:6.8;Other:0.6,Value:-0.7;Growth:+0.2;Quality:-0.9;Size:-0.4;Momentum:+0.4;LowVol:+0.2,MaxPos6%,10,30,5.3,trailing 9%,195,20.5,Bull,14.8,3.85,2.6,78,73,96,49,false,Sell,Trim extended winner -1%,21,-1,BrokerD,LMT,85,None,None,Normal monitoring,20,2,97,3,false,Within IPS guidelines
P9058,Hands-off,Taxable,USD,2025-10-26,314296,27067,287229,1.0,72.9,16.4,5.5,5.2,VTI:16.9%;MSFT:22.1%;AAPL:18.4%;TSLA:20.4%;AMZN:22.1%,US:65.0;EU:13.4;APAC:8.5;EM:10.2;Other:2.9,Value:-0.6;Growth:+0.4;Quality:+0.9;Size:-0.5;Momentum:+0.2;LowVol:-0.1,ESGOnly;NoDerivatives,6,30,5.2,hard 10%,106,16.4,Bull,17.4,4.96,3.0,112,98,87,61,false,Rebalance,Shift +1% to bonds from equity,34,-32,BrokerB,MKT,97,None,None,Normal monitoring,3,-40,122,3,false,Tighten stops on momentum names
P9059,Systematic,Trust,USD,2025-03-08,1797079,130569,1666510,1.0,57.0,32.6,1.2,9.2,TSLA:21.2%;VOO:21.2%;VTI:11.3%;HYG:15.2%;MSFT:9.8%;BND:21.2%,US:67.8;EU:16.0;APAC:11.7;EM:4.4;Other:0.1,Value:-0.2;Growth:-0.7;Quality:-0.8;Size:+0.8;Momentum:-0.7;LowVol:+0.9,,6,25,4.4,trailing 9%,156,27.1,Bull,14.5,4.68,2.9,99,118,100,44,false,Sell,Trim extended winner -1%,2,5,BrokerA,VWAP,100,None,None,Normal monitoring,-4,-57,82,3,false,Tighten stops on momentum names
P9060,Hands-off,IRA,USD,2024-09-06,703516,36847,666669,1.0,73.6,16.3,2.1,8.0,BND:19.5%;VNQ:21.9%;VTI:9.7%;BRK.B:18.3%;VOO:16.8%;QQQ:13.6%,US:70.8;EU:9.0;APAC:10.8;EM:5.6;Other:3.8,Value:-0.2;Growth:+0.7;Quality:+0.4;Size:+0.9;Momentum:+0.3;LowVol:-0.6,NoDerivatives,10,35,5.0,hard 10%,127,16.6,Bull,16.2,4.58,3.4,97,83,100,65,false,Sell,Trim extended winner -1%,7,12,BrokerA,LMT,90,None,None,Normal monitoring,82,16,115,5,false,Increase defensive factor exposure
P9061,Cautious,Roth,USD,2025-03-11,526531,56377,470154,1.0,43.1,30.5,12.2,14.2,AAPL:33.3%;AMZN:33.3%;GLD:33.3%,US:61.5;EU:13.9;APAC:9.0;EM:13.2;Other:2.4,Value:+0.1;Growth:-0.8;Quality:+0.4;Size:-0.5;Momentum:-0.9;LowVol:-0.4,ESGOnly;NoDerivatives;NoMargin,5,30,3.6,trailing 8%,131,16.1,Volatile,23.1,5.24,3.3,160,61,80,60,false,Buy,Add to core equity +1%,20,-31,BrokerB,MKT,86,None,None,Normal monitoring,56,-60,178,4,false,Tighten stops on momentum names
P9062,Active,Roth,USD,2025-04-01,2254771,220183,2034588,1.0,57.6,21.8,14.1,6.5,IEF:27.6%;TSLA:22.7%;VOO:27.6%;GLD:22.0%,US:68.4;EU:10.4;APAC:12.7;EM:4.5;Other:4.0,Value:+0.7;Growth:+0.3;Quality:-0.8;Size:-0.8;Momentum:-0.5;LowVol:-0.1,,5,25,4.1,trailing 8%,150,25.1,Bull,16.8,3.56,2.7,76,22,65,43,false,Rebalance,Shift +1% to bonds from equity,-14,-5,BrokerC,MKT,98,None,None,Normal monitoring,35,5,147,5,false,Increase defensive factor exposure
P9063,Systematic,401k,USD,2025-01-18,1503456,85573,1417883,1.0,65.5,26.9,0.0,7.6,HYG:25.0%;VTI:25.0%;VNQ:25.0%;MSFT:25.0%,US:67.3;EU:14.5;APAC:10.4;EM:4.4;Other:3.3,Value:-0.8;Growth:+0.4;Quality:-0.2;Size:-0.6;Momentum:-0.3;LowVol:-0.5,MaxPos8%,10,35,5.9,hard 12%,128,19.4,Volatile,23.1,4.1,3.2,171,-15,28,72,true,Reduce,"Cut high-beta by 2-3%, add cash",12,-5,BrokerB,LMT,94,Drift>tolerance,Hedge,Allocation drift beyond policy bands,0,2,106,2,false,Monitor dispersion and breadth
P9064,Active,Roth,USD,2025-02-24,2383459,227255,2156204,1.0,62.8,19.9,7.9,9.4,QQQ:15.0%;XLF:20.3%;BND:22.2%;BRK.B:20.4%;AAPL:22.2%,US:65.9;EU:11.6;APAC:12.6;EM:9.9;Other:0.1,Value:-0.4;Growth:+0.3;Quality:+0.3;Size:+0.3;Momentum:-1.0;LowVol:-0.1,,7,25,4.5,trailing 8%,202,22.3,Volatile,24.2,4.2,3.7,145,73,78,70,false,Sell,Trim extended winner -1%,26,10,BrokerC,VWAP,98,None,None,Normal monitoring,9,-6,120,4,false,Increase defensive factor exposure
P9065,Hands-off,401k,USD,2025-05-24,346936,32606,314330,1.0,62.9,22.0,8.8,6.4,AAPL:26.9%;VOO:26.9%;IEF:26.9%;XLF:19.4%,US:73.9;EU:9.4;APAC:10.7;EM:3.2;Other:2.8,Value:+0.1;Growth:-0.2;Quality:-0.8;Size:+0.2;Momentum:+0.3;LowVol:-0.4,ESGOnly,6,35,6.0,trailing 8%,111,18.8,Bull,17.1,4.89,3.2,108,19,59,48,false,Rebalance,Shift +1% to bonds from equity,22,-36,BrokerC,MKT,87,None,None,Normal monitoring,-36,-42,35,3,false,Tax-aware sells next window
P9066,Active,Taxable,USD,2025-08-07,2298577,273418,2025159,1.22,51.3,23.3,17.9,7.4,IEF:27.1%;VNQ:27.1%;AAPL:27.1%;XLF:18.8%,US:57.8;EU:20.7;APAC:10.3;EM:10.1;Other:1.1,Value:-0.0;Growth:-0.0;Quality:-0.9;Size:+0.8;Momentum:-0.5;LowVol:+0.7,,5,30,4.1,hard 12%,157,16.1,Bull,13.6,3.64,2.2,71,36,62,36,false,Buy,Add to core equity +1%,3,-5,BrokerB,MKT,86,None,None,Normal monitoring,-34,-35,80,3,false,Monitor dispersion and breadth
P9067,Hands-off,Taxable,USD,2024-08-15,637067,40395,596672,1.0,63.0,27.0,1.6,8.3,VNQ:33.3%;GLD:33.3%;QQQ:33.3%,US:64.6;EU:10.6;APAC:10.3;EM:10.1;Other:4.3,Value:-0.9;Growth:-0.8;Quality:-0.6;Size:+0.7;Momentum:+0.6;LowVol:+0.5,,7,30,5.4,trailing 8%,121,18.0,Bull,12.6,3.53,2.4,75,46,77,50,false,Rebalance,Shift +1% to bonds from equity,29,9,BrokerC,MKT,86,None,None,Normal monitoring,-12,-25,34,3,false,Tax-aware sells next window
P9068,Active,401k,USD,2025-04-10,2066589,215336,1851253,1.0,50.5,24.0,15.9,9.5,BND:26.6%;IEF:26.6%;VTI:26.6%;AMZN:20.1%,US:68.6;EU:6.7;APAC:10.0;EM:14.6;Other:0.1,Value:-0.7;Growth:-0.1;Quality:+1.0;Size:-0.9;Momentum:+0.7;LowVol:+0.9,,6,30,5.0,hard 12%,129,19.3,Bull,17.3,4.21,3.4,93,13,63,49,false,NoAction,Within bands; monitor,27,10,BrokerD,MKT,0,None,None,Normal monitoring,81,-2,80,4,false,Monitor dispersion and breadth
P9069,Hands-off,Taxable,USD,2024-08-28,699218,50500,648718,1.0,63.5,18.2,11.1,7.2,BRK.B:22.9%;HYG:22.9%;AAPL:17.7%;VTI:22.9%;MUB:13.7%,US:65.8;EU:11.4;APAC:11.1;EM:8.5;Other:3.2,Value:-1.0;Growth:-0.4;Quality:-0.5;Size:-0.4;Momentum:-1.0;LowVol:+0.8,MaxPos5%,6,35,5.8,trailing 10%,164,15.1,Volatile,31.5,4.26,4.3,129,-19,34,83,true,Hedge,Buy index puts 1% notional,12,-28,BrokerD,MKT,97,Drift>tolerance,Pause,Allocation drift beyond policy bands,-26,-36,-65,2,true,Increase defensive factor exposure
P9070,Active,Trust,USD,2025-07-21,1547737,180249,1367488,1.23,60.9,29.3,0.7,9.1,BND:23.4%;VOO:13.0%;XLF:20.0%;VTI:20.2%;BRK.B:23.4%,US:63.9;EU:16.8;APAC:10.6;EM:8.0;Other:0.7,Value:+0.8;Growth:-0.8;Quality:0.0;Size:-0.6;Momentum:+0.9;LowVol:+0.6,,10,35,5.0,trailing 8%,197,20.0,Bull,16.7,4.41,2.9,79,57,71,51,false,Hedge,Add TLT +1% as duration hedge,28,-15,BrokerD,LMT,90,None,None,Normal monitoring,11,-28,-1,4,false,Increase defensive factor exposure
P9071,Systematic,401k,USD,2025-07-11,1020865,79694,941171,1.0,64.6,22.9,3.9,8.5,QQQ:21.4%;AAPL:18.3%;MUB:21.4%;IEF:17.6%;HYG:21.4%,US:71.2;EU:6.2;APAC:11.3;EM:10.7;Other:0.6,Value:+0.5;Growth:+0.8;Quality:+0.2;Size:-1.0;Momentum:-0.1;LowVol:+0.8,NoDerivatives,6,30,4.5,hard 12%,150,24.6,Bear,29.6,3.9,1.7,193,40,71,68,true,Reduce,"Cut high-beta by 2-3%, add cash",-15,-10,BrokerC,LMT,99,Drift>tolerance,Reduce,Allocation drift beyond policy bands,13,4,36,2,false,Monitor dispersion and breadth
P9072,Active,401k,USD,2025-09-07,1670961,155951,1515010,1.0,62.1,18.2,12.6,7.1,TSLA:21.5%;MUB:19.1%;VNQ:21.5%;HYG:20.7%;VOO:17.3%,US:65.3;EU:10.1;APAC:11.5;EM:9.6;Other:3.6,Value:-0.1;Growth:+0.7;Quality:+0.4;Size:-0.1;Momentum:+0.9;LowVol:+0.3,MaxPos5%;NoDerivatives,6,25,5.7,trailing 8%,206,24.5,Volatile,22.9,5.1,2.7,147,22,46,61,false,Rebalance,Shift +1% to bonds from equity,3,9,BrokerB,MKT,97,None,None,Normal monitoring,71,-46,108,3,false,Monitor dispersion and breadth
P9073,Hands-off,Taxable,USD,2024-09-26,697493,37362,660131,1.0,65.7,25.2,0.0,9.1,VTI:33.3%;TLT:33.3%;TSLA:33.3%,US:70.3;EU:9.0;APAC:7.9;EM:8.1;Other:4.7,Value:-0.3;Growth:+0.9;Quality:-0.9;Size:+0.9;Momentum:-0.8;LowVol:+1.0,,6,30,5.4,hard 10%,115,16.3,Bull,13.6,4.96,3.4,106,13,52,41,false,Rebalance,Shift +1% to bonds from equity,26,-37,BrokerD,MKT,93,None,None,Normal monitoring,118,-6,129,4,false,Tax-aware sells next window
P9074,Hands-off,IRA,USD,2025-01-14,361640,29267,332373,1.0,70.6,20.9,0.0,8.5,MUB:35.2%;AMZN:35.2%;GLD:29.7%,US:63.0;EU:15.7;APAC:10.9;EM:9.8;Other:0.6,Value:-0.3;Growth:+0.9;Quality:-0.9;Size:-0.1;Momentum:+0.3;LowVol:+0.8,ESGOnly;MaxPos8%,6,30,5.2,hard 10%,112,16.7,Bull,17.4,4.21,3.0,93,96,86,60,true,Hedge,Buy index puts 1% notional,0,-38,BrokerA,LMT,89,VAR>budget,Reduce,Risk above budget threshold,98,-28,66,5,true,Tighten stops on momentum names
P9075,Cautious,IRA,USD,2024-11-04,511619,70617,441002,1.0,39.9,37.2,9.9,12.9,BRK.B:33.3%;VOO:33.3%;BND:33.3%,US:61.2;EU:14.9;APAC:11.6;EM:10.8;Other:1.5,Value:+0.7;Growth:-1.0;Quality:+0.8;Size:+0.4;Momentum:-0.8;LowVol:+0.4,MaxPos8%;NoMargin,10,25,5.4,trailing 10%,167,18.9,Sideways,18.0,4.19,2.5,136,54,92,46,false,Sell,Trim extended winner -1%,-4,-22,BrokerB,LMT,86,None,None,Normal monitoring,41,-23,127,3,false,Within IPS guidelines
P9076,Opportunistic,Trust,USD,2024-12-20,754192,47463,706729,1.0,62.5,20.4,10.7,6.5,MUB:33.7%;TSLA:32.6%;TLT:33.7%,US:73.9;EU:15.4;APAC:5.0;EM:4.3;Other:1.4,Value:+0.2;Growth:+0.8;Quality:0.0;Size:+0.9;Momentum:-0.1;LowVol:-0.6,MaxPos8%,5,25,5.2,hard 12%,224,32.5,Sideways,18.3,4.11,3.5,112,-21,27,59,false,Buy,Add to core equity +1%,-6,-29,BrokerB,MKT,90,None,None,Normal monitoring,101,16,139,3,false,Monitor dispersion and breadth
P9077,Opportunistic,Taxable,USD,2025-06-15,529792,43847,485945,1.0,61.4,22.0,7.7,8.8,BRK.B:34.6%;HYG:30.8%;VTI:34.6%,US:65.4;EU:15.8;APAC:11.1;EM:5.3;Other:2.5,Value:+0.9;Growth:-0.2;Quality:+0.8;Size:+0.5;Momentum:-1.0;LowVol:+0.5,,8,30,6.7,trailing 7%,212,21.8,Volatile,30.5,5.07,3.9,172,-58,36,75,true,Hedge,Buy index puts 1% notional,17,6,BrokerB,LMT,88,RegimeShift,Hedge,Volatility spike and breadth deterioration,-9,-34,104,5,false,Monitor dispersion and breadth
P9078,Cautious,Taxable,USD,2025-08-04,251852,36811,215041,1.0,53.4,35.4,0.0,11.2,IEF:21.3%;HYG:21.3%;TSLA:8.4%;TLT:21.3%;MSFT:13.0%;XLF:14.8%,US:58.4;EU:11.6;APAC:15.3;EM:10.2;Other:4.4,Value:+0.5;Growth:+0.8;Quality:-0.1;Size:+0.6;Momentum:-0.1;LowVol:+0.9,NoMargin,6,35,3.1,hard 10%,102,18.6,Bull,17.0,4.59,3.3,83,24,50,47,false,NoAction,Within bands; monitor,3,4,BrokerD,LMT,92,None,None,Normal monitoring,5,13,31,5,false,Increase defensive factor exposure
P9079,Opportunistic,Taxable,USD,2025-08-02,1056671,34657,1022014,1.0,61.7,13.3,16.7,8.3,MSFT:35.1%;GLD:35.1%;MUB:29.7%,US:63.1;EU:16.6;APAC:9.8;EM:8.1;Other:2.4,Value:0.0;Growth:-0.0;Quality:+0.1;Size:-0.8;Momentum:-0.3;LowVol:+0.9,NoDerivatives,5,30,5.5,trailing 9%,275,27.2,Volatile,21.7,5.28,3.9,139,-2,60,52,false,Rebalance,Shift +1% to bonds from equity,20,0,BrokerA,MKT,96,None,None,Normal monitoring,-19,-42,59,4,false,Increase defensive factor exposure
P9080,Active,Taxable,USD,2025-10-06,1591225,164276,1426949,1.0,53.7,23.2,15.9,7.3,GLD:33.3%;BND:33.3%;XLF:33.3%,US:64.0;EU:14.5;APAC:11.3;EM:8.1;Other:2.1,Value:+0.4;Growth:-0.1;Quality:+1.0;Size:+0.6;Momentum:+0.9;LowVol:+0.2,MaxPos7%,5,35,5.6,trailing 8%,172,18.9,Sideways,20.1,4.54,2.3,108,12,57,53,false,Sell,Trim extended winner -1%,-3,5,BrokerD,LMT,99,None,None,Normal monitoring,-6,-32,-27,3,false,Increase defensive factor exposure
P9081,Active,IRA,USD,2025-02-19,999113,90426,908687,1.0,57.3,18.0,16.4,8.3,TLT:23.9%;TSLA:23.9%;BND:10.5%;VTI:22.8%;VNQ:18.9%,US:71.9;EU:18.6;APAC:5.1;EM:3.0;Other:1.4,Value:-0.8;Growth:+0.8;Quality:0.0;Size:+0.4;Momentum:+0.3;LowVol:-0.4,MaxPos5%;NoDerivatives,10,25,5.3,trailing 9%,144,24.1,Sideways,21.7,4.32,2.8,140,30,61,56,false,Rebalance,Shift +1% to bonds from equity,19,2,BrokerA,VWAP,90,None,None,Normal monitoring,59,-35,101,4,false,Monitor dispersion and breadth
P9082,Opportunistic,IRA,USD,2025-11-11,1083143,73175,1009968,1.0,61.3,17.7,13.0,8.0,BND:12.3%;GLD:10.8%;VOO:21.0%;BRK.B:20.4%;TLT:14.6%;HYG:21.0%,US:64.3;EU:17.9;APAC:10.7;EM:5.3;Other:1.8,Value:-0.2;Growth:+0.2;Quality:+0.9;Size:-0.0;Momentum:-0.7;LowVol:-0.2,NoDerivatives,5,30,4.1,hard 12%,195,21.9,Sideways,18.1,4.71,3.4,99,-16,37,54,false,Buy,Add to core equity +1%,33,-32,BrokerC,MKT,100,None,None,Normal monitoring,81,0,221,4,false,Tax-aware sells next window
P9083,Opportunistic,IRA,USD,2025-10-18,852814,67395,785419,1.0,67.5,16.7,9.8,6.0,XLF:22.4%;VOO:20.3%;GLD:22.4%;BRK.B:13.6%;TLT:21.4%,US:68.0;EU:13.2;APAC:7.5;EM:9.9;Other:1.5,Value:+0.2;Growth:-0.1;Quality:-0.5;Size:-0.4;Momentum:-0.7;LowVol:+0.7,MaxPos8%,10,35,4.8,trailing 9%,273,22.1,Sideways,14.1,4.39,3.1,97,-3,40,54,false,Rebalance,Shift +1% to bonds from equity,19,-18,BrokerC,MKT,99,None,None,Normal monitoring,-35,-24,43,3,false,Within IPS guidelines
P9084,Active,401k,USD,2025-05-03,1551614,178376,1373238,1.0,67.8,19.0,7.2,6.0,TLT:22.2%;BRK.B:23.1%;MUB:27.4%;HYG:27.4%,US:68.2;EU:9.8;APAC:12.4;EM:6.0;Other:3.5,Value:-0.8;Growth:-0.0;Quality:-0.3;Size:+1.0;Momentum:-0.1;LowVol:-0.3,MaxPos8%;NoDerivatives,6,30,4.9,hard 12%,226,27.6,Bull,14.4,3.83,2.3,113,70,83,56,false,Rebalance,Shift +1% to bonds from equity,-4,-16,BrokerC,VWAP,100,None,None,Normal monitoring,-58,-46,-95,4,false,Within IPS guidelines
P9085,Opportunistic,Roth,USD,2024-10-13,1061398,88399,972999,1.0,61.2,20.2,13.3,5.2,BND:22.8%;HYG:17.7%;QQQ:18.7%;AAPL:22.8%;MSFT:18.1%,US:59.6;EU:19.3;APAC:9.0;EM:11.7;Other:0.5,Value:+0.3;Growth:+0.2;Quality:+0.2;Size:-0.2;Momentum:-0.0;LowVol:+0.5,MaxPos8%,7,35,4.5,trailing 7%,222,32.2,Bull,16.7,3.73,3.2,101,37,72,60,false,Sell,Trim extended winner -1%,31,-1,BrokerB,LMT,94,None,None,Normal monitoring,67,-14,126,3,false,Increase defensive factor exposure
P9086,Opportunistic,Roth,USD,2024-07-15,723801,31359,692442,1.0,63.6,20.5,11.4,4.5,BRK.B:19.7%;AMZN:9.8%;TSLA:20.4%;VTI:20.4%;BND:12.6%;VOO:17.1%,US:65.2;EU:11.7;APAC:11.8;EM:8.8;Other:2.5,Value:+0.9;Growth:-0.3;Quality:+0.6;Size:-0.8;Momentum:+0.2;LowVol:-0.8,,8,25,6.1,trailing 7%,217,34.1,Sideways,14.3,4.91,2.7,127,-30,34,47,false,Sell,Trim extended winner -1%,7,-27,BrokerA,LMT,98,None,None,Normal monitoring,35,-27,83,4,false,Within IPS guidelines
P9087,Cautious,Taxable,USD,2025-08-09,731355,92233,639122,1.0,46.8,30.5,12.3,10.4,AAPL:33.3%;MUB:33.3%;VTI:33.3%,US:64.0;EU:12.9;APAC:14.0;EM:7.3;Other:1.7,Value:-0.5;Growth:+0.9;Quality:+0.5;Size:-0.0;Momentum:-0.2;LowVol:0.0,ESGOnly;MaxPos5%;NoMargin,6,35,4.8,trailing 10%,94,18.4,Bull,11.2,4.25,2.3,101,25,66,22,false,Buy,Add to core equity +1%,3,11,BrokerD,MKT,92,None,None,Normal monitoring,-1,14,122,3,false,Tighten stops on momentum names
P9088,Cautious,401k,USD,2024-12-08,492269,73531,418738,1.0,42.6,33.1,8.4,16.0,MSFT:34.8%;TSLA:30.4%;AAPL:34.8%,US:66.8;EU:12.7;APAC:7.0;EM:11.3;Other:2.3,Value:+0.8;Growth:+0.8;Quality:+0.2;Size:-0.7;Momentum:+0.1;LowVol:-0.4,MaxPos5%;NoMargin,10,25,3.4,hard 10%,161,17.1,Bull,13.3,4.33,2.5,71,108,100,40,false,Rebalance,Shift +1% to bonds from equity,1,-28,BrokerB,LMT,87,None,None,Normal monitoring,38,-44,22,3,false,Within IPS guidelines
P9089,Hands-off,Roth,USD,2025-07-26,754769,39613,715156,1.0,60.0,16.7,13.7,9.5,XLF:28.8%;TLT:28.8%;AAPL:28.8%;AMZN:13.6%,US:60.6;EU:13.7;APAC:15.7;EM:5.8;Other:4.2,Value:+0.7;Growth:-0.2;Quality:0.0;Size:-0.2;Momentum:-0.3;LowVol:+0.7,ESGOnly;MaxPos7%,8,25,3.3,hard 10%,119,19.9,Bull,14.0,4.81,3.0,110,102,100,41,false,Buy,Add to core equity +1%,31,-40,BrokerC,MKT,87,None,None,Normal monitoring,76,-15,58,4,false,Within IPS guidelines
P9090,Cautious,Taxable,USD,2025-08-22,692533,56669,635864,1.0,47.0,38.8,0.0,14.2,BRK.B:15.0%;MUB:19.0%;TLT:20.1%;HYG:16.1%;GLD:11.3%;BND:18.4%,US:61.7;EU:17.5;APAC:12.9;EM:7.6;Other:0.3,Value:-0.7;Growth:-0.4;Quality:+0.9;Size:-0.2;Momentum:-0.4;LowVol:-0.5,NoMargin,6,30,6.0,trailing 8%,136,18.6,Bull,14.0,4.83,2.7,106,7,62,27,false,Buy,Add to core equity +1%,-12,-35,BrokerB,MKT,91,None,None,Normal monitoring,-40,-4,34,5,false,Monitor dispersion and breadth
P9091,Systematic,Roth,USD,2025-06-03,1412765,58620,1354145,1.0,65.2,23.2,4.3,7.2,AAPL:35.7%;MUB:28.6%;AMZN:35.7%,US:77.8;EU:8.2;APAC:6.1;EM:3.7;Other:4.2,Value:-0.5;Growth:+0.4;Quality:+0.8;Size:-0.9;Momentum:-0.0;LowVol:-0.3,MaxPos7%,6,30,5.9,trailing 9%,175,26.0,Volatile,29.3,3.86,3.4,149,62,70,81,true,Hedge,Buy index puts 1% notional,27,-16,BrokerB,MKT,93,Drift>tolerance,Hedge,Allocation drift beyond policy bands,109,-17,174,3,false,Tax-aware sells next window
P9092,Hands-off,Trust,USD,2025-06-14,583686,47036,536650,1.0,60.0,19.9,10.7,9.5,IEF:28.3%;AMZN:22.3%;BRK.B:21.2%;VNQ:28.3%,US:60.1;EU:16.5;APAC:11.5;EM:10.0;Other:1.9,Value:-0.8;Growth:+0.1;Quality:-1.0;Size:+0.3;Momentum:+0.9;LowVol:-0.2,ESGOnly;NoDerivatives,10,25,3.9,hard 10%,154,17.1,Bull,14.1,3.63,3.0,72,63,96,44,false,Rebalance,Shift +1% to bonds from equity,-3,-27,BrokerB,LMT,90,None,None,Normal monitoring,28,-20,24,4,false,Increase defensive factor exposure
P9093,Hands-off,Taxable,USD,2024-09-23,508496,45483,463013,1.0,56.4,20.0,14.6,9.0,BRK.B:33.3%;AMZN:33.3%;VOO:33.3%,US:72.0;EU:16.3;APAC:5.8;EM:4.4;Other:1.7,Value:-0.8;Growth:-0.7;Quality:-0.6;Size:0.0;Momentum:-0.2;LowVol:-0.5,ESGOnly,10,35,4.1,hard 10%,137,19.4,Sideways,15.0,4.68,2.6,130,-3,58,42,false,Buy,Add to core equity +1%,25,-20,BrokerD,LMT,89,None,None,Normal monitoring,-36,-36,-54,5,false,Tax-aware sells next window
P9094,Active,Taxable,USD,2024-10-20,934980,94021,840959,1.0,52.9,26.3,15.6,5.1,VTI:35.7%;AAPL:28.5%;GLD:35.7%,US:67.8;EU:9.7;APAC:14.3;EM:6.2;Other:2.0,Value:+0.2;Growth:-0.1;Quality:+0.3;Size:-0.5;Momentum:-0.2;LowVol:-0.4,MaxPos8%;NoDerivatives,8,25,5.8,trailing 9%,197,25.1,Volatile,28.6,5.35,3.0,124,61,88,61,false,Buy,Add to core equity +1%,2,10,BrokerB,LMT,90,None,None,Normal monitoring,-55,-52,17,5,false,Within IPS guidelines
P9095,Hands-off,Taxable,USD,2025-03-29,636281,30166,606115,1.0,67.9,23.1,0.0,9.0,TSLA:31.0%;BND:31.0%;BRK.B:20.5%;VOO:17.6%,US:66.0;EU:8.4;APAC:12.8;EM:12.8;Other:0.1,Value:-0.3;Growth:+0.8;Quality:+0.3;Size:+0.8;Momentum:-0.6;LowVol:-0.9,ESGOnly;MaxPos5%;NoDerivatives,8,30,3.3,trailing 8%,96,17.7,Bull,12.7,3.98,3.3,106,83,87,37,false,Sell,Trim extended winner -1%,25,8,BrokerA,MKT,87,None,None,Normal monitoring,5,-7,81,4,false,Increase defensive factor exposure
P9096,Cautious,IRA,USD,2024-11-04,260648,30082,230566,1.0,43.8,33.8,8.3,14.2,MSFT:26.6%;BND:26.6%;QQQ:20.2%;AAPL:26.6%,US:63.9;EU:12.2;APAC:8.4;EM:12.1;Other:3.4,Value:-0.8;Growth:-0.9;Quality:-0.0;Size:-0.1;Momentum:-0.9;LowVol:-0.5,ESGOnly;NoMargin,10,30,4.6,trailing 8%,99,19.1,Sideways,14.2,4.17,3.3,128,35,70,34,false,Rebalance,Shift +1% to bonds from equity,1,-18,BrokerA,VWAP,89,None,None,Normal monitoring,59,-32,197,5,false,Tighten stops on momentum names
P9097,Hands-off,401k,USD,2024-07-07,546134,34384,511750,1.0,62.8,23.9,3.6,9.7,GLD:24.0%;TLT:24.0%;TSLA:13.6%;AAPL:24.0%;XLF:14.4%,US:73.3;EU:13.2;APAC:6.2;EM:5.0;Other:2.3,Value:-0.5;Growth:+0.1;Quality:+0.8;Size:+0.7;Momentum:-0.7;LowVol:-0.8,ESGOnly;MaxPos8%,7,35,5.7,trailing 10%,165,12.4,Volatile,23.8,4.58,4.4,124,61,73,66,false,Rebalance,Shift +1% to bonds from equity,30,-12,BrokerA,MKT,100,None,None,Normal monitoring,-5,-15,6,3,false,Tighten stops on momentum names
P9098,Hands-off,401k,USD,2025-07-22,277446,13492,263954,1.0,60.7,26.8,6.2,6.3,VNQ:20.4%;GLD:23.9%;HYG:8.0%;TLT:15.0%;QQQ:23.9%;BND:8.7%,US:62.9;EU:14.2;APAC:14.1;EM:4.3;Other:4.5,Value:-0.9;Growth:+0.3;Quality:+0.7;Size:+0.8;Momentum:-0.2;LowVol:-0.7,ESGOnly;MaxPos8%;NoDerivatives,7,35,4.6,trailing 8%,137,14.2,Bull,14.9,3.61,3.2,119,35,56,56,false,Buy,Add to core equity +1%,32,-5,BrokerA,LMT,86,None,None,Normal monitoring,34,-42,92,3,false,Within IPS guidelines
P9099,Hands-off,Roth,USD,2025-08-28,503738,28644,475094,1.0,71.0,23.5,0.0,5.5,GLD:33.3%;VOO:33.3%;AMZN:33.3%,US:53.8;EU:20.4;APAC:10.5;EM:11.6;Other:3.6,Value:+0.1;Growth:-0.2;Quality:-0.7;Size:+0.6;Momentum:+1.0;LowVol:+1.0,ESGOnly,8,25,5.3,hard 10%,152,13.9,Volatile,31.2,4.79,4.2,137,79,87,77,true,Hedge,Buy index puts 1% notional,34,-14,BrokerB,MKT,98,VAR>budget,Hedge,Risk above budget threshold,58,-17,112,2,false,Tax-aware sells next window
P9100,Hands-off,IRA,USD,2025-04-07,319898,21762,298136,1.0,65.9,28.0,0.0,6.1,TSLA:20.3%;BND:14.3%;MUB:13.7%;BRK.B:12.4%;QQQ:20.0%;MSFT:19.4%,US:59.0;EU:17.5;APAC:9.5;EM:9.7;Other:4.3,Value:+0.7;Growth:+0.6;Quality:-1.0;Size:+0.3;Momentum:+0.5;LowVol:-0.2,,6,35,5.6,trailing 8%,156,19.1,Bear,24.6,4.46,1.6,167,-54,8,64,false,Rebalance,Shift +1% to bonds from equity,4,-7,BrokerC,LMT,91,None,None,Normal monitoring,94,7,93,4,false,Tax-aware sells next window
P9101,Active,IRA,USD,2025-09-14,1156693,97929,1058764,1.17,64.5,21.5,9.0,5.1,AAPL:33.3%;VOO:33.3%;XLF:33.3%,US:70.2;EU:15.4;APAC:10.5;EM:3.7;Other:0.2,Value:-1.0;Growth:+0.2;Quality:-0.3;Size:-0.4;Momentum:-0.8;LowVol:0.0,,6,30,4.6,trailing 8%,129,23.8,Bull,17.5,4.64,2.8,95,29,50,51,false,Buy,Add to core equity +1%,-7,-7,BrokerC,LMT,89,None,None,Normal monitoring,66,-45,119,4,false,Within IPS guidelines
P9102,Cautious,Taxable,USD,2025-06-01,462171,68241,393930,1.0,38.1,42.4,6.3,13.3,AAPL:16.5%;TLT:17.0%;BRK.B:26.6%;MUB:26.6%;AMZN:13.2%,US:64.1;EU:16.0;APAC:11.9;EM:3.4;Other:4.6,Value:+0.2;Growth:-0.2;Quality:+0.2;Size:+0.1;Momentum:+0.5;LowVol:+0.1,NoDerivatives;NoMargin,5,35,5.9,hard 10%,141,14.8,Bear,26.3,3.89,2.1,148,-4,37,55,false,Rebalance,Shift +1% to bonds from equity,4,1,BrokerC,MKT,91,None,None,Normal monitoring,-23,-32,-2,5,false,Within IPS guidelines
P9103,Hands-off,Trust,USD,2025-08-19,453908,44800,409108,1.0,74.2,17.7,2.4,5.7,AAPL:20.7%;XLF:13.2%;MSFT:20.7%;GLD:17.2%;BND:13.1%;IEF:15.1%,US:70.6;EU:8.2;APAC:7.6;EM:10.6;Other:2.9,Value:-0.4;Growth:+0.5;Quality:+0.8;Size:+0.3;Momentum:+0.4;LowVol:+0.8,,8,30,4.0,hard 10%,135,14.5,Bull,16.5,3.51,2.2,115,29,76,47,false,Buy,Add to core equity +1%,29,-25,BrokerA,MKT,97,None,None,Normal monitoring,92,11,82,3,false,Monitor dispersion and breadth
P9104,Systematic,Trust,USD,2024-10-15,1137818,77779,1060039,1.0,62.0,30.5,0.0,7.5,MSFT:22.0%;QQQ:22.0%;TSLA:21.8%;VNQ:14.5%;IEF:10.4%;VOO:9.3%,US:62.9;EU:7.5;APAC:16.8;EM:8.2;Other:4.7,Value:+0.5;Growth:-0.7;Quality:+0.1;Size:+0.7;Momentum:+0.3;LowVol:+0.1,MaxPos6%,7,25,5.1,trailing 9%,160,16.8,Bull,13.5,4.33,2.3,110,26,68,37,false,Rebalance,Shift +1% to bonds from equity,16,-10,BrokerB,VWAP,85,None,None,Normal monitoring,117,10,227,4,false,Tax-aware sells next window
P9105,Systematic,401k,USD,2025-08-14,670690,51322,619368,1.0,66.1,24.8,0.0,9.1,TLT:16.1%;VNQ:14.6%;TSLA:16.8%;MUB:15.8%;XLF:16.8%;BND:19.9%,US:65.6;EU:13.6;APAC:12.8;EM:5.2;Other:2.8,Value:-0.1;Growth:+0.8;Quality:-0.2;Size:-0.4;Momentum:-0.4;LowVol:-0.2,MaxPos6%,8,35,4.8,trailing 8%,167,25.5,Bull,12.2,4.08,3.5,98,17,52,46,false,Sell,Trim extended winner -1%,18,12,BrokerA,MKT,93,None,None,Normal monitoring,0,-15,136,5,false,Increase defensive factor exposure
P9106,Cautious,Taxable,USD,2025-05-02,515280,44200,471080,1.0,42.9,41.4,0.0,15.7,AMZN:28.2%;TLT:28.2%;VNQ:28.2%;HYG:15.5%,US:69.2;EU:17.0;APAC:8.5;EM:3.3;Other:2.0,Value:-1.0;Growth:-0.2;Quality:-0.1;Size:+0.1;Momentum:-0.9;LowVol:0.0,ESGOnly;NoDerivatives;NoMargin,5,25,4.8,trailing 8%,164,14.1,Bull,11.8,4.51,2.6,106,12,61,38,true,Rebalance,Rebalance back to target bands,13,-3,BrokerB,LMT,86,Drift>tolerance,Hedge,Allocation drift beyond policy bands,70,-36,152,4,false,Monitor dispersion and breadth
P9107,Active,Trust,USD,2024-09-17,796756,81703,715053,1.0,55.5,31.4,5.5,7.6,VNQ:19.9%;QQQ:22.8%;BRK.B:22.8%;GLD:22.8%;TSLA:11.6%,US:71.6;EU:13.8;APAC:5.9;EM:6.6;Other:2.2,Value:-0.5;Growth:-0.7;Quality:-0.1;Size:-0.4;Momentum:+0.5;LowVol:+0.9,MaxPos7%,10,25,5.8,trailing 8%,202,24.9,Volatile,27.3,3.52,4.3,169,24,69,67,false,Rebalance,Shift +1% to bonds from equity,4,-4,BrokerA,MKT,87,None,None,Normal monitoring,45,-53,55,5,false,Within IPS guidelines
P9108,Hands-off,401k,USD,2025-10-19,340718,21434,319284,1.0,68.9,21.6,4.1,5.4,BND:21.0%;BRK.B:19.3%;AAPL:18.5%;MUB:19.5%;IEF:21.7%,US:65.6;EU:13.0;APAC:6.6;EM:10.1;Other:4.8,Value:+0.2;Growth:+0.3;Quality:-0.9;Size:-0.5;Momentum:-0.8;LowVol:+0.1,,8,35,3.3,trailing 8%,143,18.6,Sideways,21.5,4.72,2.6,134,-7,35,69,false,Buy,Add to core equity +1%,-11,8,BrokerC,MKT,93,None,None,Normal monitoring,40,-3,171,5,false,Monitor dispersion and breadth
P9109,Hands-off,Trust,USD,2024-08-03,583704,47389,536315,1.0,63.7,27.2,0.0,9.1,MUB:9.4%;IEF:22.6%;MSFT:22.6%;QQQ:22.6%;XLF:22.6%,US:64.0;EU:16.4;APAC:13.5;EM:4.3;Other:1.8,Value:+0.6;Growth:+0.9;Quality:+0.5;Size:-0.8;Momentum:-0.8;LowVol:-1.0,ESGOnly;NoDerivatives,10,30,3.3,hard 10%,169,14.1,Volatile,26.6,4.29,3.0,111,44,59,69,false,Sell,Trim extended winner -1%,-4,13,BrokerC,LMT,87,None,None,Normal monitoring,0,-4,114,4,false,Increase defensive factor exposure
P9110,Systematic,401k,USD,2025-02-01,448375,35410,412965,1.0,67.1,27.3,0.0,5.6,MUB:33.3%;TLT:33.3%;AAPL:33.3%,US:75.7;EU:6.6;APAC:7.3;EM:5.7;Other:4.7,Value:+0.7;Growth:-0.6;Quality:+1.0;Size:+0.4;Momentum:-1.0;LowVol:-0.5,,7,30,5.0,trailing 8%,135,27.2,Bull,17.9,4.46,2.9,108,54,67,60,false,Rebalance,Shift +1% to bonds from equity,11,10,BrokerB,LMT,89,None,None,Normal monitoring,34,-14,109,3,false,Tighten stops on momentum names
P9111,Systematic,IRA,USD,2024-11-05,1666365,148777,1517588,1.0,56.7,20.3,15.4,7.7,BND:34.2%;IEF:31.5%;HYG:34.2%,US:66.2;EU:11.7;APAC:9.2;EM:11.3;Other:1.6,Value:-0.4;Growth:+0.6;Quality:-0.1;Size:+0.2;Momentum:-0.5;LowVol:-0.9,NoDerivatives,7,35,5.2,trailing 8%,224,26.5,Bear,26.3,3.49,1.8,188,-41,16,74,true,Reduce,"Cut high-beta by 2-3%, add cash",21,-27,BrokerA,MKT,98,VAR>budget,Reduce,Risk above budget threshold,-42,-43,-39,3,false,Within IPS guidelines
P9112,Systematic,Roth,USD,2025-05-29,1908870,160421,1748449,1.0,61.5,21.0,9.9,7.5,IEF:22.4%;AAPL:19.4%;QQQ:22.4%;TSLA:13.4%;TLT:22.4%,US:64.2;EU:14.0;APAC:13.5;EM:6.9;Other:1.4,Value:-0.1;Growth:-0.0;Quality:-0.5;Size:-0.6;Momentum:-0.7;LowVol:+0.3,MaxPos5%,6,30,5.6,trailing 9%,171,23.8,Bull,13.7,3.84,3.0,99,58,94,41,false,Rebalance,Shift +1% to bonds from equity,-10,-39,BrokerB,MKT,91,None,None,Normal monitoring,71,-11,92,4,false,Increase defensive factor exposure
P9113,Hands-off,IRA,USD,2024-09-03,438881,18938,419943,1.0,61.2,17.9,12.7,8.2,HYG:33.3%;GLD:33.3%;BRK.B:33.3%,US:58.3;EU:18.5;APAC:12.4;EM:7.1;Other:3.7,Value:-0.2;Growth:-0.9;Quality:-0.2;Size:-0.5;Momentum:-0.5;LowVol:-1.0,ESGOnly;MaxPos8%,5,25,4.6,hard 10%,96,15.3,Bull,14.6,3.7,2.5,96,100,100,45,false,Sell,Trim extended winner -1%,34,-31,BrokerD,LMT,92,None,None,Normal monitoring,78,-59,144,3,false,Tax-aware sells next window
P9114,Active,Trust,USD,2025-05-04,2105512,150636,1954876,1.0,63.5,27.8,0.0,8.7,AAPL:33.3%;BND:33.3%;XLF:33.3%,US:65.4;EU:6.7;APAC:17.0;EM:8.1;Other:2.8,Value:+0.8;Growth:+0.5;Quality:+0.1;Size:+0.3;Momentum:-0.2;LowVol:-0.8,,5,30,4.5,trailing 9%,127,24.6,Bear,27.0,3.92,1.8,207,8,52,68,false,Hedge,Add TLT +1% as duration hedge,-6,14,BrokerA,MKT,85,None,None,Normal monitoring,10,-6,-10,3,false,Tax-aware sells next window
P9115,Active,Taxable,USD,2025-03-31,837857,89314,748543,1.0,62.4,29.1,0.0,8.5,XLF:17.8%;BND:19.4%;GLD:13.8%;VOO:20.0%;HYG:19.1%;MSFT:9.9%,US:66.6;EU:8.0;APAC:11.3;EM:10.4;Other:3.7,Value:-0.2;Growth:-0.1;Quality:+0.7;Size:+0.4;Momentum:+0.7;LowVol:+0.6,MaxPos8%,8,25,5.4,hard 12%,226,17.0,Volatile,20.3,4.61,4.1,166,-25,23,49,false,Rebalance,Shift +1% to bonds from equity,12,-1,BrokerD,LMT,89,None,None,Normal monitoring,18,-10,-2,5,false,Tax-aware sells next window
P9116,Cautious,Trust,USD,2024-08-11,535604,52390,483214,1.0,45.8,36.2,4.9,13.2,BRK.B:27.6%;GLD:27.6%;AAPL:27.6%;MUB:17.2%,US:69.3;EU:6.6;APAC:11.9;EM:11.3;Other:0.9,Value:-0.9;Growth:+0.7;Quality:+0.9;Size:+0.4;Momentum:+0.3;LowVol:-0.9,ESGOnly;NoDerivatives;NoMargin,5,35,5.7,trailing 8%,109,14.0,Volatile,24.7,4.65,2.2,166,68,97,52,false,Sell,Trim extended winner -1%,-2,-13,BrokerB,MKT,93,None,None,Normal monitoring,112,-25,103,5,false,Monitor dispersion and breadth
P9117,Active,IRA,USD,2025-01-15,1453740,134592,1319148,1.0,62.3,20.6,11.2,5.9,MSFT:12.9%;MUB:17.6%;XLF:16.1%;VTI:19.8%;GLD:20.4%;VNQ:13.2%,US:56.8;EU:20.2;APAC:11.9;EM:6.3;Other:4.9,Value:+0.7;Growth:+1.0;Quality:-0.9;Size:+0.3;Momentum:+0.3;LowVol:-0.9,,10,35,4.3,trailing 8%,187,26.1,Volatile,31.1,4.28,3.0,139,61,90,83,true,Reduce,"Cut high-beta by 2-3%, add cash",-5,-34,BrokerC,LMT,96,VAR>budget,Hedge,Risk above budget threshold,-57,-31,9,2,false,Tighten stops on momentum names
P9118,Cautious,Trust,USD,2024-07-30,435306,60668,374638,1.0,46.7,35.1,1.1,17.2,GLD:33.3%;IEF:33.3%;QQQ:33.3%,US:74.4;EU:9.2;APAC:8.6;EM:3.5;Other:4.2,Value:-0.5;Growth:-0.4;Quality:+0.4;Size:-0.5;Momentum:-0.2;LowVol:-1.0,ESGOnly;MaxPos7%;NoMargin,6,35,5.8,trailing 8%,163,14.2,Bull,16.6,4.85,3.2,75,6,45,51,false,Buy,Add to core equity +1%,13,-7,BrokerD,LMT,92,None,None,Normal monitoring,17,-15,68,4,false,Monitor dispersion and breadth
P9119,Cautious,Roth,USD,2025-03-07,423214,55905,367309,1.0,46.4,41.4,0.0,12.2,AMZN:38.7%;HYG:22.6%;TLT:38.7%,US:72.2;EU:6.8;APAC:6.6;EM:12.0;Other:2.4,Value:-0.5;Growth:+0.1;Quality:+0.1;Size:+0.2;Momentum:+0.9;LowVol:-0.5,ESGOnly;MaxPos8%;NoDerivatives;NoMargin,6,30,4.0,trailing 8%,135,19.2,Bull,17.6,4.23,2.7,82,65,78,48,false,Buy,Add to core equity +1%,7,-8,BrokerD,MKT,86,None,None,Normal monitoring,63,16,75,3,false,Within IPS guidelines
P9120,Systematic,IRA,USD,2024-09-20,1647600,93529,1554071,1.0,62.7,30.2,0.0,7.1,MUB:33.3%;HYG:33.3%;BND:33.3%,US:69.4;EU:5.7;APAC:11.6;EM:8.7;Other:4.7,Value:-0.7;Growth:-0.6;Quality:-0.7;Size:+0.7;Momentum:-1.0;LowVol:+0.5,NoDerivatives,10,30,5.1,trailing 8%,200,23.6,Bear,27.7,3.99,2.2,155,7,65,83,true,Hedge,Buy index puts 1% notional,5,12,BrokerA,VWAP,95,VAR>budget,Hedge,Risk above budget threshold,53,-23,109,5,false,Tax-aware sells next window
P9121,Opportunistic,IRA,USD,2025-02-23,1016800,82085,934715,1.08,74.0,18.2,2.8,5.0,VNQ:13.5%;BND:7.1%;XLF:11.8%;BRK.B:22.5%;QQQ:22.5%;TSLA:22.5%,US:69.4;EU:17.7;APAC:7.4;EM:4.4;Other:1.1,Value:-0.0;Growth:+0.5;Quality:+0.6;Size:-0.3;Momentum:+0.3;LowVol:-0.1,MaxPos8%,7,25,4.4,trailing 9%,238,23.8,Bull,16.8,4.57,3.3,73,84,100,59,false,Rebalance,Shift +1% to bonds from equity,-1,2,BrokerA,MKT,90,None,None,Normal monitoring,110,-26,172,4,false,Tax-aware sells next window
P9122,Cautious,IRA,USD,2025-11-15,399796,47618,352178,1.0,47.4,35.1,6.5,11.1,TSLA:19.0%;QQQ:19.3%;BRK.B:18.3%;VTI:19.0%;AAPL:19.4%;IEF:5.1%,US:76.2;EU:8.1;APAC:8.1;EM:3.1;Other:4.4,Value:+0.5;Growth:+0.1;Quality:-0.3;Size:-0.9;Momentum:-1.0;LowVol:-0.2,NoDerivatives;NoMargin,5,35,4.3,trailing 8%,147,14.3,Sideways,17.1,4.37,2.2,117,39,65,47,false,NoAction,Within bands; monitor,14,-36,BrokerA,MKT,0,None,None,Normal monitoring,24,-1,-14,3,false,Within IPS guidelines
P9123,Active,401k,USD,2024-10-05,1031129,111202,919927,1.0,52.9,19.1,20.4,7.6,IEF:19.9%;MSFT:23.0%;BRK.B:21.8%;GLD:12.2%;HYG:23.0%,US:63.4;EU:15.8;APAC:9.9;EM:10.2;Other:0.8,Value:-1.0;Growth:-0.5;Quality:-0.0;Size:-0.6;Momentum:-0.1;LowVol:-0.1,MaxPos8%;NoDerivatives,7,30,5.2,trailing 9%,164,27.6,Volatile,30.6,4.91,4.2,145,-37,19,62,false,NoAction,Within bands; monitor,24,12,BrokerA,MKT,0,None,None,Normal monitoring,81,-20,97,3,false,Monitor dispersion and breadth
P9124,Opportunistic,401k,USD,2025-11-16,797880,67213,730667,1.1,75.6,10.4,5.5,8.4,QQQ:23.5%;HYG:20.8%;MUB:16.6%;TLT:15.7%;IEF:23.5%,US:64.4;EU:15.8;APAC:7.3;EM:8.8;Other:3.7,Value:-1.0;Growth:-0.5;Quality:+1.0;Size:-0.3;Momentum:+0.3;LowVol:+0.7,MaxPos6%,7,25,5.0,trailing 7%,231,30.7,Bull,14.9,4.36,2.6,86,86,93,49,false,Rebalance,Shift +1% to bonds from equity,-9,12,BrokerC,MKT,86,None,None,Normal monitoring,119,15,121,5,false,Within IPS guidelines
P9125,Opportunistic,401k,USD,2025-12-11,1543454,126356,1417098,1.0,72.7,20.5,0.0,6.8,VOO:28.1%;AAPL:15.7%;QQQ:28.1%;VTI:28.1%,US:68.6;EU:13.8;APAC:13.7;EM:3.6;Other:0.3,Value:-0.3;Growth:-0.5;Quality:+0.1;Size:+0.3;Momentum:-0.5;LowVol:-0.5,NoDerivatives,5,25,5.9,trailing 7%,198,31.2,Bear,23.8,3.61,1.1,140,-85,14,66,false,Hedge,Add TLT +1% as duration hedge,17,11,BrokerD,MKT,89,None,None,Normal monitoring,86,-5,78,3,false,Increase defensive factor exposure
P9126,Systematic,IRA,USD,2025-02-04,593300,37802,555498,1.0,56.5,29.1,7.5,6.9,XLF:15.1%;AAPL:23.0%;HYG:15.9%;VOO:23.0%;VNQ:23.0%,US:66.2;EU:17.3;APAC:11.8;EM:4.3;Other:0.4,Value:+0.5;Growth:+0.6;Quality:+0.3;Size:-0.8;Momentum:+1.0;LowVol:-0.7,,8,30,5.0,trailing 9%,186,17.1,Volatile,25.5,5.16,2.4,127,61,90,58,false,Buy,Add to core equity +1%,31,7,BrokerC,MKT,93,None,None,Normal monitoring,-41,-21,-24,5,false,Monitor dispersion and breadth
P9127,Active,Roth,USD,2025-10-01,1359110,126578,1232532,1.0,56.2,28.5,10.3,5.0,BRK.B:16.1%;BND:28.0%;TSLA:28.0%;MSFT:28.0%,US:66.4;EU:13.1;APAC:8.4;EM:9.9;Other:2.2,Value:-0.3;Growth:-0.5;Quality:+0.6;Size:+0.3;Momentum:-0.7;LowVol:+1.0,MaxPos8%;NoDerivatives,6,35,6.0,trailing 8%,163,23.7,Volatile,28.0,4.81,4.4,137,-43,25,75,true,Hedge,Buy index puts 1% notional,27,-6,BrokerA,VWAP,92,RegimeShift,Reduce,Volatility spike and breadth deterioration,59,-39,181,4,true,Tax-aware sells next window
P9128,Hands-off,Taxable,USD,2025-01-21,546004,36112,509892,1.0,64.6,18.4,9.2,7.8,AMZN:33.3%;BRK.B:33.3%;BND:33.3%,US:61.9;EU:18.4;APAC:7.0;EM:7.4;Other:5.2,Value:+1.0;Growth:-0.8;Quality:+0.1;Size:+0.4;Momentum:+0.7;LowVol:+0.7,MaxPos8%;NoDerivatives,10,35,5.4,trailing 8%,117,16.3,Volatile,21.7,4.93,3.8,112,66,74,64,false,Hedge,Add TLT +1% as duration hedge,34,-22,BrokerD,LMT,85,None,None,Normal monitoring,23,-34,-17,3,false,Within IPS guidelines
P9129,Systematic,Roth,USD,2024-10-07,910313,77719,832594,1.0,65.5,25.5,0.0,9.0,AMZN:34.7%;VOO:34.7%;BRK.B:30.6%,US:67.7;EU:11.7;APAC:8.4;EM:5.9;Other:6.3,Value:-0.6;Growth:+0.6;Quality:+0.6;Size:+0.2;Momentum:-0.3;LowVol:+0.6,MaxPos5%;NoDerivatives,6,35,5.5,trailing 8%,178,21.9,Sideways,15.4,4.09,3.0,122,-13,35,48,false,NoAction,Within bands; monitor,-15,-36,BrokerA,LMT,97,None,None,Normal monitoring,46,-14,72,4,false,Within IPS guidelines
P9130,Cautious,Taxable,USD,2025-03-17,743853,109507,634346,1.0,51.5,34.3,0.0,14.3,MSFT:33.3%;XLF:33.3%;TLT:33.3%,US:58.9;EU:21.0;APAC:8.1;EM:11.1;Other:1.0,Value:+0.7;Growth:+0.6;Quality:-0.8;Size:+0.3;Momentum:-0.2;LowVol:+0.2,ESGOnly;NoMargin,10,35,5.5,trailing 8%,95,12.6,Volatile,23.8,4.83,3.9,133,22,51,62,false,Buy,Add to core equity +1%,23,2,BrokerB,MKT,89,None,None,Normal monitoring,63,20,125,3,false,Increase defensive factor exposure
P9131,Cautious,IRA,USD,2024-12-15,330599,36261,294338,1.0,50.7,30.7,3.9,14.8,HYG:17.0%;TSLA:22.4%;AAPL:22.4%;MUB:18.2%;VOO:20.1%,US:71.6;EU:15.6;APAC:6.7;EM:5.0;Other:1.1,Value:+0.5;Growth:-0.7;Quality:+0.6;Size:0.0;Momentum:-0.3;LowVol:-0.4,ESGOnly;MaxPos7%;NoDerivatives;NoMargin,8,25,4.1,trailing 8%,118,16.6,Sideways,21.8,4.06,2.0,134,-16,42,46,false,Rebalance,Shift +1% to bonds from equity,-13,-22,BrokerB,LMT,85,None,None,Normal monitoring,10,-7,100,5,false,Within IPS guidelines
P9132,Systematic,Trust,USD,2024-09-12,1393499,120923,1272576,1.0,69.5,23.2,0.9,6.4,HYG:21.0%;VTI:9.7%;AAPL:19.9%;QQQ:16.8%;BRK.B:11.6%;IEF:21.0%,US:67.5;EU:8.3;APAC:12.8;EM:6.8;Other:4.6,Value:+0.1;Growth:+0.1;Quality:-0.9;Size:-0.4;Momentum:-0.9;LowVol:+0.6,NoDerivatives,5,25,5.3,hard 12%,149,17.2,Bear,31.2,3.26,1.4,171,24,72,78,true,Hedge,Buy index puts 1% notional,21,4,BrokerD,LMT,86,Drift>tolerance,Hedge,Allocation drift beyond policy bands,101,0,61,4,false,Monitor dispersion and breadth
P9133,Active,Roth,USD,2025-05-24,1864706,222924,1641782,1.0,54.6,18.9,16.5,10.0,BRK.B:33.3%;HYG:33.3%;QQQ:33.3%,US:63.7;EU:8.3;APAC:13.2;EM:14.0;Other:0.8,Value:-0.2;Growth:-0.7;Quality:-0.2;Size:+0.7;Momentum:+0.6;LowVol:+0.5,,5,30,4.5,hard 12%,122,27.9,Volatile,23.2,4.7,2.3,161,10,44,60,false,Hedge,Add TLT +1% as duration hedge,-10,-7,BrokerA,MKT,97,None,None,Normal monitoring,43,2,133,5,false,Increase defensive factor exposure
P9134,Cautious,Roth,USD,2025-11-09,503861,78957,424904,1.0,51.6,34.6,0.0,13.9,QQQ:33.3%;AAPL:33.3%;VNQ:33.3%,US:75.4;EU:8.0;APAC:9.2;EM:5.0;Other:2.3,Value:-0.8;Growth:-0.5;Quality:-0.6;Size:+1.0;Momentum:-0.2;LowVol:+0.2,MaxPos5%;NoMargin,8,35,5.5,hard 10%,115,17.1,Bull,16.5,4.76,2.3,82,78,86,51,false,Rebalance,Shift +1% to bonds from equity,35,13,BrokerB,MKT,87,None,None,Normal monitoring,68,-17,106,3,false,Increase defensive factor exposure
P9135,Systematic,Taxable,USD,2025-03-13,1038463,96406,942057,1.0,58.5,30.8,1.9,8.8,IEF:12.5%;VTI:20.9%;TSLA:13.6%;BND:20.9%;BRK.B:11.1%;MSFT:20.9%,US:56.5;EU:17.5;APAC:11.7;EM:10.7;Other:3.7,Value:+0.2;Growth:-0.2;Quality:-0.8;Size:-1.0;Momentum:+0.7;LowVol:+0.2,MaxPos8%;NoDerivatives,7,25,5.5,trailing 9%,204,16.5,Bear,23.2,4.18,2.2,213,-108,5,64,true,Reduce,"Cut high-beta by 2-3%, add cash",16,-37,BrokerA,VWAP,92,RegimeShift,Hedge,Volatility spike and breadth deterioration,-1,-56,124,5,false,Increase defensive factor exposure
P9136,Active,Taxable,USD,2025-10-08,1116333,81116,1035217,1.07,58.2,19.3,15.8,6.7,BND:21.4%;AAPL:16.3%;MUB:10.1%;MSFT:16.1%;QQQ:21.4%;GLD:14.8%,US:61.5;EU:22.1;APAC:10.2;EM:4.0;Other:2.1,Value:-0.4;Growth:+0.8;Quality:-0.2;Size:+0.1;Momentum:+0.3;LowVol:+0.2,,6,25,5.2,trailing 8%,126,18.4,Volatile,28.8,3.93,4.3,153,7,49,71,true,Hedge,Buy index puts 1% notional,3,8,BrokerB,MKT,98,Drift>tolerance,Reduce,Allocation drift beyond policy bands,48,-12,134,5,false,Within IPS guidelines
P9137,Opportunistic,Taxable,USD,2025-10-12,888749,72777,815972,1.1,60.3,15.5,19.6,4.6,GLD:20.5%;QQQ:20.4%;TLT:15.0%;AMZN:10.7%;IEF:20.5%;AAPL:12.9%,US:70.8;EU:14.5;APAC:6.4;EM:7.4;Other:1.0,Value:-0.4;Growth:+0.4;Quality:+0.3;Size:+0.3;Momentum:+0.5;LowVol:-0.3,,10,25,6.2,hard 12%,257,24.3,Volatile,20.7,3.84,3.3,131,-28,37,63,false,Buy,Add to core equity +1%,30,-37,BrokerC,MKT,89,None,None,Normal monitoring,56,-13,55,3,false,Tighten stops on momentum names
P9138,Systematic,Taxable,USD,2025-08-11,1240168,95530,1144638,1.0,56.8,33.1,3.0,7.0,VNQ:17.5%;HYG:15.5%;QQQ:24.6%;BRK.B:24.6%;VTI:17.7%,US:62.0;EU:16.2;APAC:10.5;EM:9.9;Other:1.5,Value:-1.0;Growth:+0.2;Quality:+0.4;Size:-1.0;Momentum:+0.1;LowVol:-0.2,NoDerivatives,10,30,5.4,trailing 9%,164,20.1,Volatile,21.9,3.99,2.3,175,-14,30,58,false,NoAction,Within bands; monitor,11,-33,BrokerB,LMT,90,None,None,Normal monitoring,98,-44,130,3,false,Tax-aware sells next window
P9139,Cautious,IRA,USD,2024-09-15,339047,42596,296451,1.0,38.2,35.3,9.0,17.6,AAPL:33.3%;MUB:33.3%;AMZN:33.3%,US:67.2;EU:8.7;APAC:6.9;EM:15.6;Other:1.6,Value:+0.9;Growth:-1.0;Quality:+0.4;Size:+0.4;Momentum:+0.8;LowVol:+0.1,ESGOnly;MaxPos7%;NoDerivatives;NoMargin,6,30,4.5,trailing 8%,163,13.9,Volatile,28.0,3.8,3.1,126,27,63,55,false,NoAction,Within bands; monitor,21,6,BrokerD,MKT,0,None,None,Normal monitoring,41,-12,112,5,false,Monitor dispersion and breadth
P9140,Hands-off,Roth,USD,2025-07-25,803733,68210,735523,1.0,67.8,24.0,0.0,8.2,VTI:24.6%;AAPL:26.4%;GLD:22.7%;VOO:26.4%,US:72.5;EU:9.5;APAC:9.5;EM:7.4;Other:1.2,Value:+0.5;Growth:+0.8;Quality:+0.6;Size:-0.3;Momentum:+0.3;LowVol:-0.1,,10,25,4.0,trailing 8%,140,14.7,Bear,34.4,4.46,2.5,183,-52,25,99,true,Hedge,Buy index puts 1% notional,8,10,BrokerD,LMT,100,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,80,-35,185,5,false,Tighten stops on momentum names
P9141,Systematic,Trust,USD,2024-07-28,981540,47728,933812,1.0,58.1,32.3,4.5,5.2,HYG:7.9%;VNQ:20.9%;VTI:20.2%;BRK.B:20.5%;MSFT:20.0%;TLT:10.6%,US:65.4;EU:10.9;APAC:12.2;EM:9.6;Other:1.8,Value:+0.6;Growth:-0.2;Quality:+1.0;Size:+0.1;Momentum:-1.0;LowVol:-0.2,,8,30,4.1,trailing 8%,217,21.5,Volatile,28.3,4.76,3.6,122,-41,44,81,true,Hedge,Buy index puts 1% notional,-2,0,BrokerB,LMT,88,VAR>budget,Hedge,Risk above budget threshold,-58,-39,-31,2,false,Increase defensive factor exposure
P9142,Active,Roth,USD,2024-09-17,615194,48299,566895,1.0,53.8,19.3,20.4,6.4,VTI:9.5%;GLD:23.4%;VNQ:9.8%;HYG:23.4%;MUB:23.4%;QQQ:10.5%,US:63.1;EU:9.5;APAC:13.1;EM:11.8;Other:2.5,Value:-0.1;Growth:+0.2;Quality:+0.2;Size:-0.5;Momentum:+0.4;LowVol:-0.9,NoDerivatives,5,30,4.7,trailing 9%,200,25.6,Bull,16.5,4.23,2.3,98,69,83,47,true,Reduce,"Cut high-beta by 2-3%, add cash",31,-40,BrokerD,MKT,92,VAR>budget,Hedge,Risk above budget threshold,78,-28,208,3,false,Within IPS guidelines
P9143,Opportunistic,IRA,USD,2025-05-11,881119,59241,821878,1.0,66.8,18.8,8.2,6.3,TLT:33.3%;MUB:33.3%;GLD:33.3%,US:73.0;EU:10.6;APAC:11.6;EM:3.5;Other:1.3,Value:+0.2;Growth:-0.6;Quality:+0.5;Size:-0.4;Momentum:+0.2;LowVol:-0.2,MaxPos7%,10,25,5.0,trailing 7%,177,30.5,Bull,13.3,4.52,2.6,116,72,99,50,false,Hedge,Add TLT +1% as duration hedge,5,-19,BrokerB,VWAP,93,None,None,Normal monitoring,113,-41,188,4,false,Monitor dispersion and breadth
P9144,Opportunistic,Roth,USD,2025-07-10,1413088,92262,1320826,1.23,76.5,15.6,2.8,5.1,HYG:12.9%;XLF:18.3%;BRK.B:22.4%;TSLA:7.9%;MUB:16.0%;GLD:22.4%,US:66.2;EU:19.4;APAC:5.7;EM:5.1;Other:3.7,Value:-0.6;Growth:-0.0;Quality:-0.3;Size:+0.7;Momentum:+1.0;LowVol:-0.1,NoDerivatives,10,35,6.5,trailing 7%,213,26.4,Bull,11.4,3.66,2.1,81,4,42,44,false,Buy,Add to core equity +1%,-5,-17,BrokerD,LMT,99,None,None,Normal monitoring,113,15,102,5,false,Tighten stops on momentum names
P9145,Cautious,Taxable,USD,2024-10-13,856281,75236,781045,1.0,41.1,30.6,11.8,16.4,QQQ:27.4%;MSFT:21.0%;VNQ:27.4%;IEF:24.2%,US:67.8;EU:7.3;APAC:13.9;EM:10.0;Other:1.0,Value:-0.5;Growth:+0.1;Quality:+0.3;Size:0.0;Momentum:-0.4;LowVol:+0.1,NoMargin,6,35,3.7,trailing 10%,122,17.8,Sideways,21.5,4.99,2.3,91,-27,48,56,false,Hedge,Add TLT +1% as duration hedge,-2,-6,BrokerC,MKT,90,None,None,Normal monitoring,94,-22,210,3,false,Tax-aware sells next window
P9146,Active,Taxable,USD,2024-09-11,1730403,185446,1544957,1.0,63.4,26.9,3.5,6.2,QQQ:16.8%;BRK.B:22.5%;XLF:22.5%;MSFT:15.8%;VTI:22.5%,US:62.6;EU:15.3;APAC:10.5;EM:8.1;Other:3.4,Value:+0.2;Growth:+0.1;Quality:+0.2;Size:+0.4;Momentum:-0.7;LowVol:-0.9,,8,30,4.1,trailing 9%,129,27.5,Bull,16.4,4.66,2.6,82,34,70,49,false,Buy,Add to core equity +1%,14,-34,BrokerB,MKT,90,None,None,Normal monitoring,81,-32,189,3,false,Tighten stops on momentum names
P9147,Systematic,401k,USD,2025-10-30,1270260,99514,1170746,1.0,65.2,28.1,0.0,6.7,AAPL:27.1%;BND:19.3%;MSFT:26.5%;MUB:27.1%,US:62.8;EU:17.1;APAC:7.5;EM:8.7;Other:3.8,Value:-0.5;Growth:-0.1;Quality:+0.1;Size:-0.3;Momentum:+0.5;LowVol:+0.5,NoDerivatives,5,25,4.4,trailing 9%,148,16.2,Bull,16.8,3.69,2.9,71,55,73,53,false,Buy,Add to core equity +1%,-12,-1,BrokerC,MKT,92,None,None,Normal monitoring,83,-53,145,3,false,Within IPS guidelines
P9148,Hands-off,401k,USD,2024-08-04,228925,14354,214571,1.0,69.7,18.0,3.2,9.0,VTI:15.5%;MSFT:28.2%;MUB:28.2%;TLT:28.2%,US:65.8;EU:10.5;APAC:10.2;EM:9.3;Other:4.2,Value:-0.1;Growth:-0.9;Quality:0.0;Size:+0.2;Momentum:-0.7;LowVol:0.0,MaxPos5%;NoDerivatives,5,35,3.2,trailing 10%,108,14.1,Sideways,19.1,4.55,3.3,119,-13,36,53,true,Hedge,Buy index puts 1% notional,5,-28,BrokerA,VWAP,85,RegimeShift,TightenStops,Volatility spike and breadth deterioration,66,-1,140,5,false,Tax-aware sells next window
P9149,Cautious,Roth,USD,2025-09-22,392056,36018,356038,1.0,45.8,39.6,0.0,14.6,VOO:19.7%;MSFT:28.0%;QQQ:28.0%;IEF:24.4%,US:74.0;EU:5.9;APAC:11.3;EM:4.7;Other:4.1,Value:-0.5;Growth:-0.7;Quality:-1.0;Size:+0.7;Momentum:-0.2;LowVol:-0.7,ESGOnly;MaxPos7%;NoDerivatives;NoMargin,5,35,4.8,hard 10%,169,18.7,Sideways,14.6,3.65,3.1,128,25,64,43,false,Rebalance,Shift +1% to bonds from equity,30,6,BrokerD,MKT,93,None,None,Normal monitoring,35,-47,106,4,false,Increase defensive factor exposure
P9150,Cautious,Trust,USD,2025-03-23,850003,89168,760835,1.0,40.4,36.9,10.4,12.4,VOO:25.7%;GLD:25.7%;XLF:25.7%;AMZN:10.5%;TLT:12.5%,US:65.1;EU:16.9;APAC:6.1;EM:8.0;Other:3.9,Value:+0.1;Growth:+0.2;Quality:-0.8;Size:0.0;Momentum:+0.3;LowVol:+0.1,NoDerivatives;NoMargin,5,35,3.5,trailing 8%,90,19.2,Sideways,17.4,4.11,2.4,116,47,87,35,false,Rebalance,Shift +1% to bonds from equity,-10,4,BrokerC,LMT,96,None,None,Normal monitoring,-21,-6,63,3,false,Within IPS guidelines
P9151,Cautious,Taxable,USD,2025-12-02,747071,108106,638965,1.0,36.1,32.9,16.2,14.8,MSFT:19.3%;HYG:21.5%;TLT:15.3%;XLF:20.5%;AAPL:8.4%;TSLA:15.0%,US:58.1;EU:12.8;APAC:16.0;EM:12.1;Other:1.1,Value:-0.7;Growth:+0.9;Quality:+0.4;Size:-0.9;Momentum:-0.7;LowVol:0.0,ESGOnly;MaxPos8%;NoMargin,6,30,4.1,hard 10%,102,13.2,Bear,26.8,3.05,1.4,160,18,52,60,false,Sell,Trim extended winner -1%,14,-15,BrokerA,MKT,99,None,None,Normal monitoring,-46,-50,67,4,false,Increase defensive factor exposure
P9152,Opportunistic,401k,USD,2025-02-07,322807,13779,309028,1.09,70.1,16.5,5.5,7.9,VOO:12.0%;BND:24.4%;TLT:21.8%;AMZN:17.5%;GLD:24.4%,US:68.5;EU:8.5;APAC:13.7;EM:6.9;Other:2.5,Value:+0.8;Growth:-0.7;Quality:+0.8;Size:+0.8;Momentum:+0.6;LowVol:-0.9,MaxPos6%;NoDerivatives,5,35,4.3,hard 12%,219,23.9,Sideways,17.6,4.05,3.3,116,-6,53,49,false,NoAction,Within bands; monitor,22,3,BrokerA,LMT,97,None,None,Normal monitoring,80,11,102,3,false,Within IPS guidelines
P9153,Active,Trust,USD,2025-02-12,1809636,214415,1595221,1.0,55.1,30.5,7.9,6.5,GLD:21.3%;QQQ:13.1%;BRK.B:8.0%;AMZN:21.3%;MSFT:21.2%;AAPL:15.2%,US:60.8;EU:21.1;APAC:7.5;EM:6.4;Other:4.2,Value:-0.6;Growth:+0.8;Quality:-0.8;Size:+0.8;Momentum:+0.7;LowVol:+0.7,MaxPos7%;NoDerivatives,8,25,4.7,trailing 8%,188,20.4,Bear,28.5,4.42,2.5,140,-33,45,75,true,Reduce,"Cut high-beta by 2-3%, add cash",-12,2,BrokerC,MKT,94,Drift>tolerance,Reduce,Allocation drift beyond policy bands,12,-57,70,4,false,Increase defensive factor exposure
P9154,Active,Roth,USD,2025-01-12,756982,70878,686104,1.0,66.3,19.8,7.0,6.9,AAPL:27.8%;XLF:27.8%;VTI:26.2%;AMZN:18.1%,US:66.9;EU:15.0;APAC:8.7;EM:7.8;Other:1.6,Value:+0.2;Growth:-0.8;Quality:+0.7;Size:+0.2;Momentum:+0.5;LowVol:+0.2,MaxPos5%;NoDerivatives,7,30,4.9,hard 12%,144,18.8,Bear,31.0,3.18,1.5,211,-60,5,89,true,Rebalance,Rebalance back to target bands,-5,-31,BrokerA,MKT,91,RegimeShift,Reduce,Volatility spike and breadth deterioration,25,-56,70,3,false,Monitor dispersion and breadth
P9155,Active,Taxable,USD,2024-08-11,1200720,108336,1092384,1.0,56.7,20.9,16.4,6.0,VTI:24.6%;TLT:37.7%;VOO:37.7%,US:68.4;EU:10.2;APAC:11.0;EM:6.6;Other:3.8,Value:-0.2;Growth:-0.1;Quality:+0.5;Size:-0.4;Momentum:+0.2;LowVol:-0.9,NoDerivatives,6,25,4.6,trailing 9%,228,18.4,Sideways,17.1,3.95,2.6,90,-22,46,40,false,Rebalance,Shift +1% to bonds from equity,0,-23,BrokerB,LMT,96,None,None,Normal monitoring,-14,-22,-52,5,false,Tighten stops on momentum names
P9156,Opportunistic,401k,USD,2025-12-06,468780,36137,432643,1.23,67.1,11.6,16.5,4.8,QQQ:18.3%;BND:21.3%;IEF:14.6%;BRK.B:20.3%;VTI:8.5%;XLF:16.9%,US:67.7;EU:13.0;APAC:8.7;EM:9.3;Other:1.3,Value:+0.4;Growth:-0.4;Quality:+0.3;Size:-0.8;Momentum:+1.0;LowVol:-0.4,,10,30,5.5,trailing 9%,227,26.4,Sideways,18.0,3.99,2.6,127,-5,62,56,false,Rebalance,Shift +1% to bonds from equity,35,-22,BrokerB,VWAP,95,None,None,Normal monitoring,79,-18,167,4,false,Tighten stops on momentum names
P9157,Hands-off,IRA,USD,2024-09-10,786504,49264,737240,1.0,59.4,29.3,5.4,5.9,QQQ:33.3%;VNQ:33.3%;VOO:33.3%,US:78.1;EU:7.7;APAC:6.5;EM:6.4;Other:1.4,Value:+0.1;Growth:-0.6;Quality:+0.6;Size:-0.9;Momentum:-0.7;LowVol:+0.2,NoDerivatives,7,30,4.6,trailing 10%,142,18.1,Bull,13.8,3.74,3.5,118,68,71,51,false,Rebalance,Shift +1% to bonds from equity,25,-6,BrokerB,MKT,100,None,None,Normal monitoring,79,-31,189,4,false,Tighten stops on momentum names
P9158,Active,Roth,USD,2025-02-08,1629154,105814,1523340,1.0,54.5,29.5,6.2,9.8,XLF:15.6%;HYG:22.6%;IEF:23.3%;GLD:23.3%;AAPL:15.2%,US:58.6;EU:15.2;APAC:15.5;EM:6.6;Other:4.1,Value:-0.5;Growth:-0.8;Quality:+0.2;Size:-0.4;Momentum:-0.7;LowVol:+0.2,,8,35,5.3,hard 12%,171,19.1,Bear,26.3,4.34,2.5,204,1,64,67,false,Hedge,Add TLT +1% as duration hedge,32,-16,BrokerD,MKT,86,None,None,Normal monitoring,27,18,77,3,false,Tighten stops on momentum names
P9159,Hands-off,401k,USD,2024-11-14,609570,36941,572629,1.0,67.5,23.2,0.0,9.2,HYG:25.0%;TLT:25.0%;VTI:25.0%;VNQ:25.0%,US:75.3;EU:6.2;APAC:9.3;EM:8.9;Other:0.3,Value:+0.7;Growth:+0.4;Quality:+0.3;Size:+0.9;Momentum:+0.2;LowVol:-0.2,ESGOnly,7,35,3.4,trailing 10%,151,16.8,Bull,13.2,3.66,2.7,109,11,67,54,false,NoAction,Within bands; monitor,11,7,BrokerA,VWAP,100,None,None,Normal monitoring,-27,9,-32,5,false,Tax-aware sells next window
P9160,Opportunistic,Roth,USD,2024-09-04,653453,24226,629227,1.14,65.9,14.2,11.2,8.7,IEF:11.0%;TLT:12.7%;AMZN:12.0%;QQQ:24.8%;AAPL:23.2%;VOO:16.2%,US:60.3;EU:19.1;APAC:6.7;EM:10.2;Other:3.8,Value:-0.7;Growth:-1.0;Quality:-0.5;Size:-0.9;Momentum:-0.3;LowVol:-0.3,MaxPos7%,7,35,5.4,trailing 7%,265,27.0,Volatile,31.8,5.38,2.7,131,-51,27,79,true,Rebalance,Rebalance back to target bands,3,4,BrokerA,MKT,100,Drift>tolerance,Pause,Allocation drift beyond policy bands,-15,-5,-35,3,false,Monitor dispersion and breadth
P9161,Hands-off,Taxable,USD,2025-10-13,340936,23825,317111,1.0,58.2,25.2,6.9,9.6,QQQ:29.2%;AAPL:35.4%;TSLA:35.4%,US:59.6;EU:16.8;APAC:13.5;EM:8.4;Other:1.7,Value:-0.1;Growth:+0.6;Quality:0.0;Size:+0.4;Momentum:0.0;LowVol:+0.1,NoDerivatives,7,30,3.7,trailing 8%,91,16.0,Sideways,15.7,3.9,3.0,122,25,50,41,false,NoAction,Within bands; monitor,29,-8,BrokerD,LMT,91,None,None,Normal monitoring,55,-51,79,4,false,Monitor dispersion and breadth
P9162,Hands-off,IRA,USD,2025-03-13,568894,27684,541210,1.0,66.6,15.7,9.9,7.9,VTI:36.7%;QQQ:36.7%;BRK.B:26.5%,US:73.9;EU:9.7;APAC:4.9;EM:8.4;Other:3.1,Value:+0.4;Growth:+0.6;Quality:-0.4;Size:-1.0;Momentum:+0.2;LowVol:+0.6,ESGOnly;MaxPos6%;NoDerivatives,10,30,5.0,trailing 10%,111,18.4,Bull,12.4,4.88,2.5,102,96,98,50,false,Rebalance,Shift +1% to bonds from equity,3,-30,BrokerB,LMT,95,None,None,Normal monitoring,28,19,117,5,false,Within IPS guidelines
P9163,Cautious,Taxable,USD,2024-10-05,340978,51487,289491,1.0,39.4,39.1,7.4,14.0,AMZN:16.3%;VOO:26.3%;XLF:17.1%;TLT:26.3%;BRK.B:14.0%,US:68.5;EU:12.7;APAC:9.5;EM:5.5;Other:3.9,Value:-0.1;Growth:+0.7;Quality:-0.9;Size:-0.5;Momentum:-0.0;LowVol:+0.2,MaxPos8%;NoMargin,7,30,5.3,hard 10%,135,17.0,Bear,31.1,3.02,1.5,148,-54,15,73,true,Reduce,"Cut high-beta by 2-3%, add cash",1,-39,BrokerD,VWAP,99,RegimeShift,Reduce,Volatility spike and breadth deterioration,88,-24,84,5,false,Tax-aware sells next window
P9164,Opportunistic,IRA,USD,2024-07-28,1798566,101503,1697063,1.0,63.1,19.8,11.0,6.0,VNQ:25.0%;BRK.B:25.0%;TLT:25.0%;QQQ:25.0%,US:71.5;EU:8.2;APAC:12.2;EM:7.8;Other:0.3,Value:-0.2;Growth:+0.5;Quality:+0.4;Size:-0.6;Momentum:-0.1;LowVol:+0.3,,6,30,6.5,hard 12%,197,27.9,Bear,30.1,3.01,2.4,215,-52,15,86,true,Reduce,"Cut high-beta by 2-3%, add cash",-13,-12,BrokerD,MKT,95,Drift>tolerance,Pause,Allocation drift beyond policy bands,27,20,-4,5,false,Within IPS guidelines
P9165,Opportunistic,Roth,USD,2024-09-24,705729,59996,645733,1.0,70.5,18.5,2.7,8.3,XLF:33.3%;MSFT:33.3%;BRK.B:33.3%,US:74.4;EU:10.7;APAC:6.2;EM:7.0;Other:1.7,Value:+0.9;Growth:-0.7;Quality:+0.9;Size:-0.3;Momentum:-0.6;LowVol:+0.4,MaxPos6%;NoDerivatives,6,35,4.7,hard 12%,163,33.6,Bear,31.7,4.16,2.4,147,6,68,86,true,Hedge,Buy index puts 1% notional,-3,0,BrokerB,MKT,86,RegimeShift,Hedge,Volatility spike and breadth deterioration,4,-2,87,5,false,Within IPS guidelines
P9166,Systematic,Taxable,USD,2024-11-27,1361312,68162,1293150,1.0,63.8,30.3,0.0,5.8,BND:23.2%;VOO:13.0%;VNQ:23.2%;BRK.B:23.2%;IEF:17.5%,US:76.2;EU:7.1;APAC:9.4;EM:4.8;Other:2.5,Value:-0.3;Growth:-0.3;Quality:-0.7;Size:+0.1;Momentum:-0.5;LowVol:-0.7,NoDerivatives,7,30,5.7,hard 12%,144,17.7,Bull,13.2,4.88,3.1,73,61,92,49,false,Hedge,Add TLT +1% as duration hedge,29,15,BrokerD,VWAP,96,None,None,Normal monitoring,39,-50,69,3,false,Tax-aware sells next window
P9167,Opportunistic,Roth,USD,2025-04-30,1424966,109810,1315156,1.0,70.5,16.7,8.0,4.8,VOO:21.6%;MSFT:21.6%;MUB:21.6%;VTI:15.1%;XLF:20.2%,US:66.4;EU:12.9;APAC:8.5;EM:8.0;Other:4.3,Value:+0.1;Growth:+1.0;Quality:-0.7;Size:+1.0;Momentum:-0.6;LowVol:+0.5,NoDerivatives,10,35,6.2,trailing 9%,203,26.3,Volatile,24.2,3.96,3.5,114,9,58,64,false,Rebalance,Shift +1% to bonds from equity,-7,-14,BrokerA,LMT,91,None,None,Normal monitoring,-5,-39,62,5,false,Within IPS guidelines
P9168,Cautious,Trust,USD,2025-09-22,655898,56616,599282,1.0,39.0,41.3,6.3,13.4,GLD:32.9%;TLT:33.6%;IEF:33.6%,US:74.7;EU:5.5;APAC:13.3;EM:5.5;Other:1.1,Value:-0.6;Growth:-0.1;Quality:+0.6;Size:+0.3;Momentum:+0.8;LowVol:+0.5,ESGOnly;NoDerivatives;NoMargin,5,30,3.8,trailing 8%,107,17.2,Bull,17.3,3.65,3.0,89,41,59,45,false,NoAction,Within bands; monitor,35,-20,BrokerA,LMT,96,None,None,Normal monitoring,-42,8,-72,5,false,Monitor dispersion and breadth
P9169,Hands-off,401k,USD,2025-06-27,160935,10124,150811,1.0,70.4,16.6,4.8,8.2,IEF:20.4%;XLF:29.5%;GLD:20.7%;BRK.B:29.5%,US:57.5;EU:19.1;APAC:13.8;EM:8.8;Other:0.7,Value:+0.4;Growth:+1.0;Quality:+0.1;Size:+0.3;Momentum:-0.6;LowVol:-0.3,ESGOnly,10,35,5.8,hard 10%,93,17.0,Bull,14.6,4.48,3.4,117,91,94,49,false,Buy,Add to core equity +1%,-15,-29,BrokerB,LMT,95,None,None,Normal monitoring,103,-24,142,4,false,Tax-aware sells next window
P9170,Cautious,401k,USD,2025-04-01,489851,50349,439502,1.0,47.6,33.4,7.2,11.8,AAPL:27.6%;VOO:27.6%;MUB:17.3%;VNQ:27.6%,US:73.3;EU:8.7;APAC:6.8;EM:8.3;Other:3.0,Value:-0.8;Growth:+0.9;Quality:-0.8;Size:-0.9;Momentum:-1.0;LowVol:-0.2,ESGOnly;NoMargin,6,25,3.8,hard 10%,144,14.6,Bear,27.5,3.77,2.8,173,-94,5,62,false,Buy,Add to core equity +1%,5,-11,BrokerD,MKT,91,None,None,Normal monitoring,54,-52,166,4,false,Monitor dispersion and breadth
P9171,Hands-off,Roth,USD,2025-05-19,281460,14350,267110,1.0,58.8,19.8,14.2,7.1,GLD:25.0%;AMZN:25.0%;HYG:25.0%;MSFT:25.0%,US:67.9;EU:15.8;APAC:8.3;EM:6.7;Other:1.3,Value:+0.5;Growth:+0.4;Quality:-0.1;Size:+0.5;Momentum:+0.7;LowVol:+1.0,ESGOnly;MaxPos7%;NoDerivatives,8,25,3.3,hard 10%,142,18.2,Volatile,29.3,3.7,2.4,131,55,89,69,false,Rebalance,Shift +1% to bonds from equity,7,-25,BrokerA,MKT,93,None,None,Normal monitoring,-35,-18,2,5,false,Within IPS guidelines
P9172,Cautious,Roth,USD,2024-07-21,690674,98969,591705,1.0,37.3,42.7,7.7,12.3,MSFT:33.3%;MUB:33.3%;TLT:33.3%,US:65.3;EU:19.7;APAC:6.9;EM:6.3;Other:1.9,Value:-0.7;Growth:-0.1;Quality:+0.4;Size:+0.7;Momentum:-0.5;LowVol:-0.0,ESGOnly;NoDerivatives;NoMargin,10,30,3.4,trailing 8%,126,15.8,Volatile,23.6,4.33,3.3,124,36,76,44,false,Rebalance,Shift +1% to bonds from equity,23,-35,BrokerC,MKT,99,None,None,Normal monitoring,69,-23,59,4,false,Within IPS guidelines
P9173,Systematic,401k,USD,2025-10-12,1054111,75944,978167,1.0,61.5,30.9,0.0,7.6,MUB:12.3%;IEF:20.8%;QQQ:24.7%;TSLA:17.5%;AMZN:24.7%,US:64.3;EU:13.1;APAC:10.9;EM:6.8;Other:4.9,Value:-0.2;Growth:+0.5;Quality:+0.3;Size:+0.4;Momentum:-0.8;LowVol:-0.4,,10,30,4.0,trailing 8%,124,23.4,Bull,13.6,4.63,2.7,108,46,59,38,false,Rebalance,Shift +1% to bonds from equity,-12,-21,BrokerC,LMT,91,None,None,Normal monitoring,93,-16,64,4,false,Increase defensive factor exposure
P9174,Hands-off,Taxable,USD,2025-05-01,231110,18720,212390,1.0,70.0,24.0,0.0,6.0,MSFT:14.0%;TLT:21.8%;TSLA:20.8%;GLD:22.0%;BND:21.3%,US:69.6;EU:16.9;APAC:5.0;EM:5.0;Other:3.5,Value:+0.5;Growth:-0.8;Quality:+0.2;Size:+0.3;Momentum:+0.8;LowVol:+0.9,ESGOnly;NoDerivatives,7,35,4.5,trailing 10%,149,19.0,Bull,12.0,3.95,3.4,74,39,61,56,false,Buy,Add to core equity +1%,15,9,BrokerA,VWAP,100,None,None,Normal monitoring,-7,-38,-41,3,false,Increase defensive factor exposure
P9175,Systematic,401k,USD,2025-03-05,1051386,52796,998590,1.0,58.3,33.2,3.0,5.5,BND:33.3%;XLF:33.3%;GLD:33.3%,US:66.9;EU:8.5;APAC:7.1;EM:14.0;Other:3.5,Value:+0.8;Growth:+0.6;Quality:-0.3;Size:+0.9;Momentum:-0.1;LowVol:+0.8,MaxPos7%;NoDerivatives,7,35,5.6,trailing 8%,205,25.2,Bull,12.3,4.4,2.5,82,120,100,40,false,Buy,Add to core equity +1%,-13,-27,BrokerC,MKT,86,None,None,Normal monitoring,-26,-41,-35,4,false,Tighten stops on momentum names
P9176,Active,Trust,USD,2025-12-05,1192982,88395,1104587,1.0,55.6,21.9,12.6,10.0,BRK.B:33.3%;VTI:33.3%;TLT:33.3%,US:72.9;EU:8.7;APAC:7.6;EM:9.2;Other:1.6,Value:-0.2;Growth:-0.7;Quality:-0.7;Size:+0.7;Momentum:+0.7;LowVol:+0.6,,10,25,5.3,trailing 8%,191,17.3,Sideways,17.7,4.99,3.5,130,42,61,38,true,Hedge,Buy index puts 1% notional,-6,-30,BrokerC,LMT,98,RegimeShift,Pause,Volatility spike and breadth deterioration,57,-11,63,3,false,Monitor dispersion and breadth
P9177,Opportunistic,Roth,USD,2024-07-11,1538709,135235,1403474,1.0,67.9,21.6,3.4,7.1,IEF:22.5%;TLT:19.9%;BND:22.5%;QQQ:14.5%;BRK.B:20.7%,US:59.7;EU:16.6;APAC:9.9;EM:9.6;Other:4.1,Value:-0.7;Growth:+0.2;Quality:-0.8;Size:-0.5;Momentum:-0.5;LowVol:+0.4,,7,30,5.4,trailing 7%,177,28.5,Bull,17.0,4.41,2.1,108,9,69,63,true,Hedge,Buy index puts 1% notional,9,-22,BrokerB,LMT,94,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-45,-10,8,5,true,Within IPS guidelines
P9178,Active,IRA,USD,2025-06-06,1995782,178436,1817346,1.0,52.1,20.3,18.2,9.3,TLT:23.8%;IEF:10.0%;QQQ:23.8%;TSLA:19.8%;VNQ:22.7%,US:63.1;EU:12.4;APAC:10.4;EM:11.6;Other:2.5,Value:-0.8;Growth:+0.9;Quality:+0.9;Size:-0.1;Momentum:+0.6;LowVol:-0.3,NoDerivatives,5,30,4.1,hard 12%,187,20.7,Bear,24.3,3.1,2.0,179,-103,5,63,false,NoAction,Within bands; monitor,3,11,BrokerB,MKT,0,None,None,Normal monitoring,-15,-36,26,4,false,Within IPS guidelines
P9179,Systematic,Taxable,USD,2025-07-27,1647383,140329,1507054,1.0,57.8,34.7,0.0,7.5,VOO:10.5%;IEF:22.0%;TLT:15.2%;HYG:16.4%;MSFT:13.9%;TSLA:22.0%,US:67.8;EU:14.9;APAC:8.5;EM:4.5;Other:4.3,Value:+0.6;Growth:+0.9;Quality:+0.2;Size:-0.3;Momentum:+0.6;LowVol:-0.7,,6,30,5.0,hard 12%,166,16.1,Volatile,26.4,4.23,4.4,135,17,48,62,true,Hedge,Buy index puts 1% notional,11,-17,BrokerD,MKT,95,VAR>budget,Hedge,Risk above budget threshold,-17,-13,89,4,false,Monitor dispersion and breadth
P9180,Cautious,IRA,USD,2025-07-12,383221,32389,350832,1.0,40.1,35.2,13.0,11.7,QQQ:20.7%;AMZN:10.1%;HYG:19.8%;TLT:20.7%;MUB:17.5%;BND:11.2%,US:59.4;EU:15.7;APAC:12.0;EM:7.8;Other:5.1,Value:+0.1;Growth:-0.3;Quality:-0.7;Size:-0.5;Momentum:-0.8;LowVol:-0.3,MaxPos8%;NoMargin,7,30,5.1,trailing 10%,137,12.4,Volatile,27.8,4.57,3.5,117,10,48,64,false,Buy,Add to core equity +1%,-7,-38,BrokerD,VWAP,97,None,None,Normal monitoring,-24,-1,48,3,false,Monitor dispersion and breadth
P9181,Cautious,IRA,USD,2025-09-21,629179,95385,533794,1.0,48.9,34.6,6.3,10.2,MUB:24.4%;BRK.B:18.6%;HYG:16.5%;VNQ:24.4%;VTI:16.1%,US:72.5;EU:11.0;APAC:7.6;EM:4.2;Other:4.6,Value:+0.3;Growth:+0.9;Quality:+0.9;Size:+0.1;Momentum:-0.5;LowVol:+0.5,ESGOnly;MaxPos7%;NoMargin,5,25,3.3,trailing 8%,113,16.3,Bull,12.7,4.41,2.8,114,111,100,27,false,Buy,Add to core equity +1%,-8,9,BrokerA,LMT,96,None,None,Normal monitoring,86,-1,89,4,false,Tighten stops on momentum names
P9182,Systematic,IRA,USD,2025-09-28,878985,76344,802641,1.0,65.1,21.6,3.8,9.5,AAPL:37.3%;VNQ:25.3%;HYG:37.3%,US:66.6;EU:12.1;APAC:14.5;EM:6.8;Other:0.1,Value:+0.5;Growth:+0.4;Quality:0.0;Size:-0.1;Momentum:+0.5;LowVol:-0.0,,7,25,4.6,trailing 8%,192,21.4,Bear,32.0,3.72,2.6,186,-75,15,75,true,Reduce,"Cut high-beta by 2-3%, add cash",16,0,BrokerB,LMT,94,Drift>tolerance,Hedge,Allocation drift beyond policy bands,45,7,54,4,false,Increase defensive factor exposure
P9183,Cautious,Roth,USD,2025-12-02,247284,22456,224828,1.0,48.7,36.5,0.7,14.1,VNQ:25.0%;QQQ:25.0%;VOO:25.0%;VTI:25.0%,US:65.8;EU:15.7;APAC:5.7;EM:9.1;Other:3.7,Value:-0.9;Growth:+0.7;Quality:+1.0;Size:-0.7;Momentum:-0.0;LowVol:+0.4,MaxPos5%;NoMargin,5,30,4.5,trailing 10%,107,12.1,Sideways,19.2,3.79,2.8,135,2,51,45,false,Buy,Add to core equity +1%,14,7,BrokerB,MKT,98,None,None,Normal monitoring,43,-18,48,4,false,Within IPS guidelines
P9184,Hands-off,Trust,USD,2025-09-24,792274,31763,760511,1.0,60.7,25.1,7.0,7.2,MSFT:21.1%;AMZN:21.1%;VTI:17.9%;GLD:21.1%;HYG:18.8%,US:68.1;EU:11.3;APAC:12.9;EM:7.2;Other:0.5,Value:-0.3;Growth:+0.1;Quality:+0.3;Size:+0.9;Momentum:+0.4;LowVol:+0.2,ESGOnly;MaxPos7%;NoDerivatives,5,30,4.2,trailing 8%,137,12.2,Bear,22.6,4.02,1.8,148,-19,44,70,false,Sell,Trim extended winner -1%,7,11,BrokerC,MKT,93,None,None,Normal monitoring,-28,0,17,3,false,Monitor dispersion and breadth
P9185,Systematic,Roth,USD,2025-09-01,498573,22806,475767,1.0,66.9,22.7,4.7,5.6,AAPL:16.1%;HYG:15.8%;BND:13.6%;QQQ:16.3%;VNQ:20.4%;IEF:17.9%,US:66.3;EU:16.5;APAC:7.2;EM:7.1;Other:3.0,Value:-0.6;Growth:+0.1;Quality:+0.1;Size:-0.4;Momentum:+0.4;LowVol:+0.9,NoDerivatives,8,25,4.6,trailing 8%,220,19.1,Bull,16.7,4.4,2.0,72,92,89,53,false,Rebalance,Shift +1% to bonds from equity,19,-5,BrokerA,LMT,95,None,None,Normal monitoring,-24,9,115,5,false,Increase defensive factor exposure
P9186,Opportunistic,Roth,USD,2025-10-04,1147690,96163,1051527,1.0,69.1,11.7,10.5,8.7,MUB:11.4%;IEF:24.8%;AAPL:22.9%;MSFT:16.0%;VTI:24.8%,US:67.3;EU:8.7;APAC:14.7;EM:4.9;Other:4.4,Value:-0.3;Growth:-0.7;Quality:+0.9;Size:+0.6;Momentum:+0.7;LowVol:-0.8,NoDerivatives,5,25,6.1,hard 12%,190,31.0,Volatile,26.6,5.0,3.4,128,-42,42,70,false,Rebalance,Shift +1% to bonds from equity,-1,-7,BrokerC,MKT,99,None,None,Normal monitoring,47,-28,91,3,false,Tax-aware sells next window
P9187,Cautious,401k,USD,2025-12-15,752964,81668,671296,1.0,36.7,30.2,15.5,17.5,GLD:15.0%;VOO:25.8%;AAPL:25.8%;XLF:20.9%;AMZN:12.4%,US:63.9;EU:13.3;APAC:12.5;EM:8.1;Other:2.3,Value:+0.4;Growth:+1.0;Quality:-0.9;Size:-0.1;Momentum:+0.2;LowVol:+0.9,ESGOnly;MaxPos8%;NoMargin,7,25,5.5,trailing 8%,150,19.0,Bull,15.0,3.74,2.8,104,120,95,27,false,Sell,Trim extended winner -1%,27,-19,BrokerC,MKT,91,None,None,Normal monitoring,-7,-23,-9,4,false,Tighten stops on momentum names
P9188,Cautious,Taxable,USD,2024-10-05,757996,110081,647915,1.0,38.4,40.4,7.3,14.0,GLD:33.3%;VOO:33.3%;XLF:33.3%,US:66.3;EU:15.1;APAC:8.4;EM:7.2;Other:3.1,Value:+0.6;Growth:-0.5;Quality:-0.9;Size:-0.5;Momentum:+0.4;LowVol:-0.1,ESGOnly;MaxPos6%;NoMargin,10,30,4.4,hard 10%,119,13.4,Bear,25.1,4.08,1.3,183,-36,38,54,true,Reduce,"Cut high-beta by 2-3%, add cash",18,-40,BrokerA,MKT,93,VAR>budget,TightenStops,Risk above budget threshold,7,-38,11,4,false,Tax-aware sells next window
P9189,Opportunistic,Trust,USD,2024-11-10,1312203,57403,1254800,1.0,70.7,15.5,8.7,5.2,VTI:25.5%;XLF:25.5%;IEF:10.4%;HYG:12.9%;TSLA:25.5%,US:70.5;EU:7.9;APAC:10.2;EM:6.9;Other:4.6,Value:-1.0;Growth:+0.9;Quality:-0.8;Size:+0.4;Momentum:+0.1;LowVol:+0.7,,10,30,5.6,hard 12%,246,28.2,Bull,14.3,3.64,3.1,102,28,76,49,false,Buy,Add to core equity +1%,-8,13,BrokerD,MKT,95,None,None,Normal monitoring,51,-17,42,5,false,Tighten stops on momentum names
P9190,Hands-off,IRA,USD,2025-06-22,457934,21005,436929,1.0,60.0,29.9,2.5,7.6,MSFT:21.3%;XLF:21.3%;MUB:7.2%;BND:20.9%;BRK.B:8.0%;VNQ:21.3%,US:67.6;EU:17.0;APAC:6.6;EM:4.8;Other:4.0,Value:+0.7;Growth:-0.9;Quality:+0.8;Size:-0.2;Momentum:+1.0;LowVol:0.0,,10,35,3.2,hard 10%,140,13.7,Volatile,29.3,5.2,2.1,155,74,96,76,true,Hedge,Buy index puts 1% notional,19,6,BrokerA,LMT,88,VAR>budget,Hedge,Risk above budget threshold,-49,-43,-68,5,false,Tighten stops on momentum names
P9191,Cautious,IRA,USD,2025-11-29,340830,45845,294985,1.0,46.7,31.3,7.2,14.8,MUB:25.2%;VNQ:25.2%;BND:25.2%;XLF:24.5%,US:64.5;EU:8.6;APAC:13.2;EM:9.8;Other:3.9,Value:-0.3;Growth:-0.5;Quality:+0.4;Size:-0.6;Momentum:+0.3;LowVol:-0.9,ESGOnly;NoMargin,5,25,5.2,trailing 8%,119,18.7,Bear,32.8,3.44,2.4,179,-15,46,72,true,Reduce,"Cut high-beta by 2-3%, add cash",21,-26,BrokerD,MKT,93,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-35,14,-29,4,false,Monitor dispersion and breadth
P9192,Hands-off,401k,USD,2024-11-17,221067,19813,201254,1.0,57.1,18.8,16.4,7.6,AMZN:25.8%;TLT:25.8%;VNQ:25.8%;TSLA:22.6%,US:63.4;EU:15.8;APAC:7.9;EM:8.5;Other:4.3,Value:-0.5;Growth:-0.4;Quality:-0.2;Size:-0.9;Momentum:-0.4;LowVol:-0.1,,8,35,4.2,trailing 8%,148,12.7,Sideways,17.9,4.56,2.8,112,14,51,58,false,Sell,Trim extended winner -1%,14,-3,BrokerB,LMT,93,None,None,Normal monitoring,86,7,177,5,false,Within IPS guidelines
P9193,Opportunistic,Taxable,USD,2024-10-05,708731,43618,665113,1.09,62.8,15.3,13.8,8.1,XLF:23.0%;AMZN:22.6%;AAPL:23.0%;VNQ:23.0%;MUB:8.3%,US:64.4;EU:12.6;APAC:10.3;EM:9.5;Other:3.3,Value:-0.2;Growth:-0.7;Quality:-0.5;Size:+0.4;Momentum:+0.3;LowVol:+0.8,NoDerivatives,6,35,7.0,trailing 7%,247,25.4,Volatile,28.1,5.18,4.0,148,-15,38,67,false,Rebalance,Shift +1% to bonds from equity,34,5,BrokerB,LMT,98,None,None,Normal monitoring,115,-36,79,5,false,Within IPS guidelines
P9194,Cautious,401k,USD,2025-04-09,803518,126308,677210,1.0,39.5,33.3,12.8,14.4,BRK.B:20.8%;XLF:19.2%;HYG:13.8%;MSFT:14.2%;TLT:20.8%;VNQ:11.2%,US:71.5;EU:7.0;APAC:12.9;EM:7.1;Other:1.5,Value:-0.7;Growth:+0.1;Quality:-0.6;Size:-1.0;Momentum:-0.7;LowVol:+0.5,ESGOnly;MaxPos5%;NoMargin,6,35,4.0,hard 10%,142,16.8,Sideways,17.7,3.65,3.4,100,9,53,44,false,Rebalance,Shift +1% to bonds from equity,-15,-38,BrokerA,MKT,89,None,None,Normal monitoring,64,-2,187,5,false,Monitor dispersion and breadth
P9195,Hands-off,Roth,USD,2025-08-24,162291,9026,153265,1.0,68.1,20.2,4.9,6.8,XLF:33.3%;HYG:33.3%;GLD:33.3%,US:63.1;EU:12.0;APAC:11.2;EM:9.9;Other:3.8,Value:-0.7;Growth:+0.7;Quality:+0.7;Size:-0.2;Momentum:-0.5;LowVol:-0.9,,10,30,4.4,trailing 8%,164,14.1,Volatile,27.0,5.17,2.2,145,31,65,65,false,Sell,Trim extended winner -1%,29,-38,BrokerD,LMT,96,None,None,Normal monitoring,59,-11,43,5,false,Increase defensive factor exposure
P9196,Cautious,IRA,USD,2025-12-12,710856,107407,603449,1.0,41.5,32.1,15.1,11.3,MUB:23.2%;VTI:23.2%;QQQ:23.2%;MSFT:15.8%;TSLA:14.4%,US:63.9;EU:21.2;APAC:6.6;EM:6.1;Other:2.2,Value:-0.7;Growth:+0.5;Quality:-0.0;Size:-0.0;Momentum:+0.5;LowVol:+1.0,NoDerivatives;NoMargin,7,35,4.5,trailing 10%,105,18.9,Sideways,15.9,3.84,3.0,123,28,61,44,false,Rebalance,Shift +1% to bonds from equity,30,10,BrokerD,LMT,99,None,None,Normal monitoring,-8,-60,124,5,false,Increase defensive factor exposure
P9197,Cautious,Trust,USD,2025-01-06,811332,69024,742308,1.0,35.0,37.6,17.2,10.1,AMZN:20.8%;BND:21.6%;VTI:19.8%;AAPL:21.6%;HYG:16.3%,US:68.7;EU:7.6;APAC:10.4;EM:12.1;Other:1.3,Value:+0.4;Growth:+0.3;Quality:-0.2;Size:+0.4;Momentum:-0.7;LowVol:-0.6,NoDerivatives;NoMargin,10,35,4.0,hard 10%,141,12.6,Bull,16.7,4.71,2.6,72,99,94,32,false,Rebalance,Shift +1% to bonds from equity,-5,-6,BrokerD,VWAP,99,None,None,Normal monitoring,102,-25,85,4,false,Increase defensive factor exposure
P9198,Cautious,Taxable,USD,2025-12-13,315428,48731,266697,1.0,40.8,34.9,8.0,16.3,TSLA:22.5%;VOO:22.5%;GLD:20.8%;VNQ:22.5%;AMZN:11.8%,US:61.0;EU:13.3;APAC:13.9;EM:6.8;Other:5.0,Value:+0.6;Growth:+0.7;Quality:+0.9;Size:-0.3;Momentum:+0.8;LowVol:-0.3,NoDerivatives;NoMargin,6,35,4.2,hard 10%,133,12.5,Sideways,15.2,3.53,3.4,114,15,61,31,false,NoAction,Within bands; monitor,10,-22,BrokerC,LMT,98,None,None,Normal monitoring,46,-46,104,5,false,Tighten stops on momentum names
P9199,Active,401k,USD,2024-12-13,1432793,101323,1331470,1.0,56.2,24.9,12.7,6.2,IEF:13.9%;BRK.B:20.2%;GLD:22.3%;AMZN:8.2%;QQQ:22.3%;MUB:13.1%,US:63.5;EU:13.6;APAC:7.0;EM:12.5;Other:3.4,Value:-0.2;Growth:+0.9;Quality:+0.3;Size:+0.5;Momentum:+0.6;LowVol:0.0,,10,35,5.4,trailing 9%,199,18.2,Bull,14.7,3.9,2.4,115,3,58,39,false,Sell,Trim extended winner -1%,14,-14,BrokerC,MKT,93,None,None,Normal monitoring,0,-12,88,5,false,Tax-aware sells next window
P9200,Opportunistic,Trust,USD,2024-08-19,1171364,72492,1098872,1.19,73.5,20.9,0.0,5.5,AAPL:36.5%;BND:27.0%;BRK.B:36.5%,US:66.3;EU:13.5;APAC:11.6;EM:6.7;Other:1.9,Value:-0.2;Growth:-0.0;Quality:+1.0;Size:-0.6;Momentum:-0.2;LowVol:+0.5,NoDerivatives,10,30,4.7,hard 12%,160,29.9,Bear,28.0,4.0,2.9,191,-11,43,73,true,Hedge,Buy index puts 1% notional,16,-7,BrokerA,VWAP,86,VAR>budget,Reduce,Risk above budget threshold,-33,-30,41,3,false,Within IPS guidelines
P9201,Active,Trust,USD,2025-05-25,1077609,121353,956256,1.0,57.4,22.2,13.4,7.0,TLT:18.8%;VOO:22.0%;BND:15.8%;HYG:11.3%;TSLA:12.0%;VNQ:20.1%,US:65.2;EU:11.3;APAC:6.8;EM:11.8;Other:4.9,Value:0.0;Growth:+0.1;Quality:-0.1;Size:-0.3;Momentum:+0.3;LowVol:+0.3,MaxPos7%,6,35,4.8,trailing 8%,160,24.6,Bear,34.5,3.77,2.8,145,-58,29,80,true,Rebalance,Rebalance back to target bands,32,-30,BrokerD,LMT,86,RegimeShift,Pause,Volatility spike and breadth deterioration,-11,-57,-10,4,false,Tax-aware sells next window
P9202,Opportunistic,IRA,USD,2025-08-01,407406,24101,383305,1.0,65.1,19.9,8.3,6.8,TLT:26.7%;BND:19.9%;VNQ:26.7%;GLD:26.7%,US:74.6;EU:5.5;APAC:12.6;EM:6.6;Other:0.6,Value:-0.7;Growth:+0.2;Quality:-0.0;Size:-0.9;Momentum:-0.6;LowVol:-0.8,MaxPos8%,8,35,4.7,trailing 7%,252,30.7,Bull,12.8,4.98,2.9,93,97,100,49,false,Rebalance,Shift +1% to bonds from equity,-12,-30,BrokerD,MKT,99,None,None,Normal monitoring,-48,8,-22,4,false,Within IPS guidelines
P9203,Hands-off,IRA,USD,2025-11-21,507489,35122,472367,1.0,66.0,28.7,0.0,5.2,BND:25.2%;BRK.B:24.4%;HYG:25.2%;AMZN:25.2%,US:71.4;EU:13.0;APAC:10.1;EM:5.3;Other:0.2,Value:+0.8;Growth:+0.9;Quality:+0.3;Size:-0.0;Momentum:-0.1;LowVol:-0.5,,7,35,5.5,trailing 10%,158,13.2,Bear,33.3,3.01,1.3,187,-74,23,76,true,Hedge,Buy index puts 1% notional,33,6,BrokerA,MKT,86,Drift>tolerance,Reduce,Allocation drift beyond policy bands,86,-2,205,2,true,Within IPS guidelines
P9204,Cautious,Roth,USD,2025-12-21,323165,41545,281620,1.0,48.8,32.2,8.9,10.1,AMZN:28.1%;AAPL:18.3%;BRK.B:28.1%;IEF:25.6%,US:67.0;EU:12.4;APAC:12.3;EM:6.2;Other:2.1,Value:-0.2;Growth:-0.0;Quality:+0.3;Size:+0.2;Momentum:-0.4;LowVol:-0.7,ESGOnly;NoDerivatives;NoMargin,10,25,4.0,trailing 10%,134,13.7,Bear,27.4,4.25,2.1,191,37,60,60,false,Buy,Add to core equity +1%,26,-10,BrokerA,LMT,97,None,None,Normal monitoring,92,14,114,5,false,Within IPS guidelines
P9205,Cautious,Trust,USD,2024-11-15,197849,24398,173451,1.0,43.6,39.7,2.7,14.0,BND:27.3%;VNQ:27.3%;BRK.B:24.1%;MUB:21.2%,US:62.5;EU:17.0;APAC:14.3;EM:5.3;Other:0.9,Value:-0.8;Growth:+0.5;Quality:-0.1;Size:+0.5;Momentum:-0.9;LowVol:+0.9,MaxPos5%;NoDerivatives;NoMargin,7,35,3.5,trailing 8%,111,17.9,Bull,17.2,3.81,3.2,115,83,89,47,false,Sell,Trim extended winner -1%,9,3,BrokerB,MKT,94,None,None,Normal monitoring,101,-12,94,3,false,Tax-aware sells next window
P9206,Cautious,IRA,USD,2025-03-10,700366,65015,635351,1.0,49.7,33.7,0.0,16.5,IEF:19.6%;TLT:16.4%;AMZN:15.0%;TSLA:20.7%;VOO:20.2%;QQQ:8.1%,US:69.4;EU:7.0;APAC:13.5;EM:9.4;Other:0.8,Value:+0.2;Growth:-0.9;Quality:-0.8;Size:+0.1;Momentum:+0.1;LowVol:-0.4,NoDerivatives;NoMargin,5,25,4.9,trailing 10%,135,13.2,Bear,22.2,3.69,2.7,134,-59,35,47,false,Rebalance,Shift +1% to bonds from equity,7,-3,BrokerB,LMT,94,None,None,Normal monitoring,24,3,92,3,false,Within IPS guidelines
P9207,Systematic,Taxable,USD,2025-10-03,681068,44115,636953,1.0,65.7,25.4,0.0,8.9,TSLA:27.9%;VNQ:27.9%;IEF:16.2%;MUB:27.9%,US:67.0;EU:19.4;APAC:6.8;EM:5.3;Other:1.5,Value:+1.0;Growth:+0.4;Quality:+1.0;Size:-0.3;Momentum:-0.0;LowVol:-0.8,NoDerivatives,8,35,4.6,trailing 9%,121,20.5,Volatile,22.9,4.15,3.3,146,-54,35,73,true,Rebalance,Rebalance back to target bands,28,-39,BrokerA,MKT,96,Drift>tolerance,Reduce,Allocation drift beyond policy bands,115,-18,229,2,false,Tax-aware sells next window
P9208,Opportunistic,401k,USD,2025-11-08,1536201,132998,1403203,1.0,70.0,10.0,12.4,7.5,VOO:25.6%;TSLA:12.7%;AMZN:25.6%;IEF:16.4%;GLD:19.8%,US:67.4;EU:13.4;APAC:10.2;EM:4.2;Other:4.8,Value:0.0;Growth:-0.8;Quality:-0.8;Size:+0.5;Momentum:-0.3;LowVol:+0.9,MaxPos8%;NoDerivatives,6,35,5.7,trailing 7%,168,32.6,Volatile,22.4,4.28,3.3,156,36,55,58,false,Sell,Trim extended winner -1%,-4,7,BrokerC,VWAP,97,None,None,Normal monitoring,-52,-22,-19,3,false,Tax-aware sells next window
P9209,Systematic,401k,USD,2025-10-24,1768191,88300,1679891,1.0,62.2,28.2,0.4,9.2,TLT:15.0%;VNQ:23.9%;QQQ:13.4%;VOO:23.9%;GLD:23.9%,US:68.5;EU:10.0;APAC:8.0;EM:13.3;Other:0.2,Value:-0.9;Growth:-0.6;Quality:+0.9;Size:-0.7;Momentum:0.0;LowVol:+0.9,NoDerivatives,5,30,5.5,trailing 8%,170,27.6,Sideways,17.1,4.54,3.3,113,34,64,46,true,Rebalance,Rebalance back to target bands,11,-34,BrokerB,LMT,90,RegimeShift,Reduce,Volatility spike and breadth deterioration,112,-9,163,4,false,Within IPS guidelines
P9210,Cautious,401k,USD,2025-02-06,261221,33012,228209,1.0,43.8,33.6,8.8,13.8,AMZN:15.8%;IEF:11.3%;AAPL:23.4%;GLD:12.8%;BND:13.3%;QQQ:23.4%,US:65.3;EU:12.6;APAC:11.0;EM:7.0;Other:4.1,Value:+0.6;Growth:+1.0;Quality:-0.4;Size:-0.8;Momentum:+0.1;LowVol:-0.0,ESGOnly;MaxPos7%;NoMargin,6,35,4.8,hard 10%,104,16.3,Bull,16.7,4.54,2.1,78,4,58,45,false,Sell,Trim extended winner -1%,14,-24,BrokerA,LMT,93,None,None,Normal monitoring,85,-12,71,4,false,Within IPS guidelines
P9211,Active,401k,USD,2024-09-24,786468,58714,727754,1.0,50.6,21.6,20.1,7.8,BND:34.7%;VNQ:30.6%;VOO:34.7%,US:66.2;EU:6.6;APAC:15.6;EM:6.1;Other:5.4,Value:-0.9;Growth:-0.6;Quality:+0.8;Size:-0.1;Momentum:+0.5;LowVol:+0.5,,5,35,5.3,hard 12%,206,20.2,Bull,12.0,4.85,2.3,97,91,100,32,false,Rebalance,Shift +1% to bonds from equity,5,5,BrokerD,MKT,96,None,None,Normal monitoring,117,-41,175,4,false,Increase defensive factor exposure
P9212,Systematic,IRA,USD,2024-11-21,1386097,133152,1252945,1.0,59.3,30.2,3.8,6.7,BND:21.8%;AMZN:26.1%;TSLA:26.1%;GLD:26.1%,US:77.1;EU:5.4;APAC:7.3;EM:8.0;Other:2.2,Value:+0.9;Growth:-0.7;Quality:-0.4;Size:-0.9;Momentum:+0.5;LowVol:+1.0,NoDerivatives,10,30,4.9,trailing 8%,179,23.6,Bull,16.0,4.73,3.1,94,4,44,57,true,Rebalance,Rebalance back to target bands,14,-9,BrokerC,LMT,94,Drift>tolerance,Reduce,Allocation drift beyond policy bands,42,-38,19,5,false,Monitor dispersion and breadth
P9213,Active,Roth,USD,2025-11-15,2440115,258634,2181481,1.0,62.6,28.9,0.0,8.5,HYG:30.2%;QQQ:34.9%;VTI:34.9%,US:63.9;EU:19.2;APAC:7.0;EM:7.0;Other:2.9,Value:+0.3;Growth:+0.3;Quality:-0.6;Size:+0.2;Momentum:-0.8;LowVol:+0.4,,10,25,5.7,trailing 8%,141,22.4,Bull,17.5,4.89,2.6,93,35,53,44,false,Buy,Add to core equity +1%,26,-24,BrokerC,MKT,97,None,None,Normal monitoring,-14,16,68,4,false,Within IPS guidelines
P9214,Hands-off,Roth,USD,2025-04-05,366194,15817,350377,1.0,62.5,19.3,12.0,6.1,AAPL:21.5%;MSFT:21.4%;BRK.B:6.2%;TSLA:21.5%;VOO:7.9%;XLF:21.5%,US:62.4;EU:11.4;APAC:15.6;EM:9.1;Other:1.5,Value:+0.1;Growth:-0.3;Quality:+0.5;Size:+0.6;Momentum:+0.3;LowVol:+0.5,MaxPos5%,7,30,5.6,trailing 8%,161,13.7,Bull,15.5,3.94,3.1,74,8,41,50,false,NoAction,Within bands; monitor,-15,-39,BrokerD,MKT,0,None,None,Normal monitoring,104,-39,82,3,false,Tighten stops on momentum names
P9215,Systematic,Taxable,USD,2025-05-13,1385123,73636,1311487,1.0,55.9,25.9,11.6,6.6,TLT:14.8%;VTI:20.6%;HYG:20.6%;MSFT:10.5%;BND:13.9%;QQQ:19.6%,US:71.6;EU:9.5;APAC:11.9;EM:6.7;Other:0.2,Value:-0.6;Growth:+0.4;Quality:+0.7;Size:+0.6;Momentum:+0.8;LowVol:+0.5,NoDerivatives,5,30,5.5,trailing 8%,120,22.3,Volatile,24.6,4.29,2.7,116,18,53,67,false,Sell,Trim extended winner -1%,31,-10,BrokerA,MKT,97,None,None,Normal monitoring,-37,-46,25,4,false,Tax-aware sells next window
P9216,Opportunistic,401k,USD,2025-07-07,1547890,129501,1418389,1.0,60.7,19.1,12.5,7.7,VTI:28.7%;GLD:28.7%;XLF:16.2%;BND:26.5%,US:62.1;EU:18.1;APAC:11.4;EM:4.4;Other:4.0,Value:+0.6;Growth:+1.0;Quality:+0.2;Size:-0.4;Momentum:-0.3;LowVol:+0.6,,5,30,6.1,trailing 9%,171,31.3,Volatile,23.8,4.84,3.8,119,10,53,56,false,NoAction,Within bands; monitor,25,5,BrokerD,LMT,98,None,None,Normal monitoring,-3,-50,73,4,false,Monitor dispersion and breadth
P9217,Cautious,IRA,USD,2025-05-31,334133,26810,307323,1.0,43.6,38.3,1.8,16.3,QQQ:26.5%;BND:20.4%;AAPL:26.5%;TSLA:26.5%,US:69.1;EU:16.7;APAC:7.2;EM:4.0;Other:2.9,Value:+0.3;Growth:-0.6;Quality:+0.8;Size:-0.9;Momentum:-0.5;LowVol:+0.9,NoMargin,5,30,3.7,hard 10%,148,18.2,Volatile,20.8,3.93,3.7,129,-34,18,46,false,Sell,Trim extended winner -1%,-4,-14,BrokerB,MKT,90,None,None,Normal monitoring,-24,-55,52,3,false,Tax-aware sells next window
P9218,Cautious,IRA,USD,2025-03-19,671448,100205,571243,1.0,37.7,41.8,6.0,14.5,GLD:33.3%;MUB:33.3%;XLF:33.3%,US:76.2;EU:6.3;APAC:12.4;EM:4.7;Other:0.5,Value:-0.3;Growth:-0.2;Quality:-0.3;Size:+0.8;Momentum:+0.6;LowVol:-0.9,NoMargin,7,30,4.6,trailing 8%,134,18.5,Bull,17.3,4.5,2.6,74,62,75,35,false,Sell,Trim extended winner -1%,-11,-32,BrokerA,MKT,93,None,None,Normal monitoring,56,-28,22,4,false,Tighten stops on momentum names
P9219,Active,Trust,USD,2024-12-28,1507495,113757,1393738,1.0,53.3,25.5,11.5,9.7,HYG:33.3%;MUB:33.3%;AAPL:33.3%,US:63.9;EU:12.9;APAC:13.1;EM:6.9;Other:3.2,Value:+0.5;Growth:-0.3;Quality:-0.2;Size:-0.4;Momentum:+0.3;LowVol:-0.2,MaxPos7%;NoDerivatives,7,25,4.9,hard 12%,178,21.2,Bull,14.4,4.06,3.1,90,75,73,50,false,Buy,Add to core equity +1%,16,-21,BrokerA,MKT,95,None,None,Normal monitoring,-14,-19,-29,3,false,Tax-aware sells next window
P9220,Cautious,Roth,USD,2025-10-26,274376,33867,240509,1.0,42.9,44.6,1.2,11.3,AMZN:27.1%;VNQ:25.6%;VTI:20.2%;AAPL:27.1%,US:67.1;EU:17.1;APAC:8.3;EM:5.4;Other:2.1,Value:0.0;Growth:+0.1;Quality:-0.7;Size:+1.0;Momentum:-0.3;LowVol:-0.5,NoDerivatives;NoMargin,8,35,5.7,trailing 10%,165,14.2,Bull,17.4,3.5,3.4,86,12,63,44,false,Sell,Trim extended winner -1%,24,-2,BrokerB,LMT,99,None,None,Normal monitoring,-28,3,95,5,false,Tighten stops on momentum names
P9221,Cautious,401k,USD,2025-06-25,819963,68983,750980,1.0,35.8,35.8,14.3,14.0,BRK.B:16.8%;XLF:7.5%;TSLA:16.6%;HYG:21.2%;VNQ:21.2%;VOO:16.7%,US:69.8;EU:6.6;APAC:6.8;EM:13.5;Other:3.3,Value:-0.7;Growth:-0.2;Quality:+0.6;Size:+0.9;Momentum:+0.1;LowVol:+0.1,MaxPos6%;NoDerivatives;NoMargin,10,30,3.0,trailing 8%,131,13.3,Volatile,23.8,3.63,4.2,128,60,81,44,false,NoAction,Within bands; monitor,29,-14,BrokerA,VWAP,87,None,None,Normal monitoring,-39,8,45,3,false,Tax-aware sells next window
P9222,Systematic,401k,USD,2025-12-04,1988303,154794,1833509,1.0,62.6,26.3,2.2,8.8,MUB:14.1%;QQQ:13.8%;XLF:17.8%;VTI:20.1%;HYG:20.1%;AAPL:14.0%,US:66.7;EU:6.6;APAC:14.3;EM:9.3;Other:3.1,Value:-0.6;Growth:-0.2;Quality:-0.0;Size:-0.3;Momentum:+0.1;LowVol:-0.3,MaxPos8%;NoDerivatives,5,25,5.3,trailing 8%,144,20.4,Volatile,23.3,4.41,4.1,167,23,64,64,false,Rebalance,Shift +1% to bonds from equity,-2,-3,BrokerD,LMT,88,None,None,Normal monitoring,41,8,162,3,false,Tighten stops on momentum names
P9223,Systematic,Trust,USD,2024-12-27,1532048,117605,1414443,1.0,63.5,24.6,4.1,7.7,TSLA:21.2%;TLT:19.5%;AMZN:21.2%;XLF:5.9%;VNQ:11.1%;BRK.B:21.2%,US:66.2;EU:12.2;APAC:7.4;EM:12.0;Other:2.2,Value:-0.2;Growth:+0.4;Quality:-0.5;Size:-0.2;Momentum:+0.3;LowVol:+0.1,NoDerivatives,8,25,4.6,trailing 8%,131,17.0,Sideways,16.6,4.91,2.8,130,-18,48,44,false,Rebalance,Shift +1% to bonds from equity,28,-38,BrokerC,MKT,88,None,None,Normal monitoring,-56,-22,-10,4,false,Tighten stops on momentum names
P9224,Systematic,401k,USD,2025-03-16,961441,73711,887730,1.0,58.7,20.6,13.1,7.6,TSLA:33.3%;QQQ:33.3%;GLD:33.3%,US:65.7;EU:15.0;APAC:6.3;EM:9.7;Other:3.4,Value:+0.9;Growth:-0.4;Quality:-0.0;Size:0.0;Momentum:-0.5;LowVol:+0.2,MaxPos5%,8,30,4.7,hard 12%,160,18.2,Bull,13.6,4.05,2.0,102,37,64,35,false,Rebalance,Shift +1% to bonds from equity,-9,-10,BrokerC,LMT,88,None,None,Normal monitoring,71,2,159,5,false,Increase defensive factor exposure
P9225,Cautious,Roth,USD,2025-08-10,255721,32947,222774,1.0,41.5,41.6,0.0,16.8,BND:24.7%;GLD:26.5%;BRK.B:26.5%;AMZN:22.3%,US:71.6;EU:8.7;APAC:6.8;EM:10.8;Other:2.1,Value:-0.7;Growth:-0.1;Quality:+0.8;Size:+1.0;Momentum:-0.2;LowVol:+0.7,NoMargin,5,35,5.5,trailing 8%,143,17.0,Bull,13.5,4.68,2.9,70,117,100,23,false,Hedge,Add TLT +1% as duration hedge,15,-2,BrokerB,MKT,96,None,None,Normal monitoring,-40,-55,20,3,false,Increase defensive factor exposure
P9226,Systematic,IRA,USD,2025-03-06,1817858,102957,1714901,1.0,55.8,26.8,8.6,8.8,TLT:19.0%;QQQ:16.7%;BRK.B:18.4%;XLF:23.0%;GLD:23.0%,US:68.9;EU:12.5;APAC:9.1;EM:4.8;Other:4.8,Value:+0.7;Growth:-0.4;Quality:-0.3;Size:+0.8;Momentum:+0.9;LowVol:+0.9,NoDerivatives,6,25,5.2,trailing 9%,209,20.1,Sideways,21.3,4.8,2.7,138,39,70,49,false,Rebalance,Shift +1% to bonds from equity,12,1,BrokerC,VWAP,90,None,None,Normal monitoring,-7,5,-39,5,false,Tax-aware sells next window
P9227,Opportunistic,Trust,USD,2025-02-12,858327,42209,816118,1.0,68.2,11.6,12.7,7.5,TLT:23.5%;HYG:26.0%;GLD:26.0%;BRK.B:24.4%,US:62.5;EU:14.5;APAC:13.5;EM:7.5;Other:2.0,Value:+0.4;Growth:+1.0;Quality:-0.5;Size:-0.5;Momentum:-0.6;LowVol:-0.6,,7,30,5.6,trailing 9%,247,25.4,Bull,11.2,3.61,2.1,95,69,93,35,false,Buy,Add to core equity +1%,22,14,BrokerD,LMT,95,None,None,Normal monitoring,119,-5,151,4,false,Increase defensive factor exposure
P9228,Hands-off,Taxable,USD,2025-06-11,528873,51304,477569,1.0,60.3,25.3,8.5,5.8,VTI:20.0%;IEF:10.4%;BRK.B:21.6%;BND:21.6%;AAPL:13.6%;MUB:12.9%,US:57.7;EU:16.4;APAC:9.6;EM:11.4;Other:4.9,Value:-0.2;Growth:-0.1;Quality:-0.7;Size:-0.1;Momentum:-0.4;LowVol:-0.7,ESGOnly,5,25,3.4,trailing 8%,134,15.8,Volatile,26.8,5.04,2.7,151,-17,44,66,false,Buy,Add to core equity +1%,-8,-3,BrokerC,MKT,88,None,None,Normal monitoring,9,6,-13,5,false,Tax-aware sells next window
P9229,Cautious,Roth,USD,2025-11-01,847908,78683,769225,1.0,48.6,40.0,0.0,11.4,BND:18.6%;QQQ:22.4%;IEF:8.3%;TSLA:22.4%;AAPL:18.8%;HYG:9.5%,US:60.5;EU:15.9;APAC:11.4;EM:10.2;Other:1.9,Value:-0.9;Growth:-0.9;Quality:-0.2;Size:+0.1;Momentum:-0.0;LowVol:-0.4,NoDerivatives;NoMargin,10,35,5.9,trailing 8%,112,19.0,Bull,15.9,3.77,2.7,119,102,98,36,false,Rebalance,Shift +1% to bonds from equity,29,-4,BrokerD,MKT,100,None,None,Normal monitoring,14,16,-23,4,false,Within IPS guidelines
P9230,Systematic,401k,USD,2025-12-18,1297401,85614,1211787,1.0,59.9,21.2,10.6,8.3,VTI:27.2%;MSFT:27.2%;GLD:25.5%;VNQ:20.1%,US:69.0;EU:11.1;APAC:11.9;EM:5.0;Other:3.0,Value:+1.0;Growth:+0.4;Quality:-0.8;Size:+0.7;Momentum:-0.3;LowVol:+0.6,NoDerivatives,6,30,5.9,trailing 8%,121,22.1,Volatile,29.9,4.55,2.3,121,-3,49,67,true,Hedge,Buy index puts 1% notional,13,-9,BrokerC,MKT,85,VAR>budget,Pause,Risk above budget threshold,102,-46,72,3,false,Increase defensive factor exposure
P9231,Hands-off,Taxable,USD,2025-02-09,255167,17594,237573,1.0,59.9,21.6,12.6,5.9,QQQ:6.9%;AMZN:22.2%;GLD:12.0%;VTI:22.2%;TLT:18.1%;AAPL:18.6%,US:64.5;EU:13.8;APAC:9.9;EM:8.9;Other:2.9,Value:-0.4;Growth:-0.1;Quality:-0.7;Size:-0.3;Momentum:-1.0;LowVol:+0.8,ESGOnly,10,35,5.5,trailing 8%,99,18.3,Bull,12.2,4.33,2.4,75,76,100,41,false,Buy,Add to core equity +1%,25,12,BrokerD,MKT,91,None,None,Normal monitoring,81,-44,162,4,false,Increase defensive factor exposure
P9232,Active,IRA,USD,2025-02-16,519541,45591,473950,1.0,56.9,29.6,7.4,6.2,IEF:26.0%;AAPL:26.0%;BRK.B:22.1%;MUB:26.0%,US:62.1;EU:14.8;APAC:10.5;EM:8.6;Other:4.1,Value:-0.6;Growth:+0.3;Quality:-0.3;Size:+0.7;Momentum:+0.7;LowVol:-0.3,,10,35,4.0,trailing 9%,151,23.0,Volatile,30.7,4.01,3.8,156,37,73,70,true,Hedge,Buy index puts 1% notional,32,-2,BrokerC,LMT,91,VAR>budget,Reduce,Risk above budget threshold,4,-24,92,5,false,Tighten stops on momentum names
P9233,Systematic,IRA,USD,2025-01-21,1862457,108525,1753932,1.0,62.3,29.6,0.0,8.0,HYG:25.2%;VOO:25.2%;AMZN:12.3%;BRK.B:11.2%;BND:10.4%;MUB:15.6%,US:66.3;EU:12.4;APAC:9.7;EM:7.7;Other:3.9,Value:-0.8;Growth:-0.8;Quality:-0.9;Size:-0.3;Momentum:-0.0;LowVol:+0.2,NoDerivatives,7,35,5.2,trailing 8%,215,23.8,Bull,17.4,4.9,3.4,80,106,100,53,false,Buy,Add to core equity +1%,30,-4,BrokerA,MKT,98,None,None,Normal monitoring,-59,-28,-71,3,false,Tighten stops on momentum names
P9234,Hands-off,Taxable,USD,2025-09-24,225002,21887,203115,1.0,66.5,22.7,3.2,7.6,MUB:13.4%;TSLA:21.0%;HYG:16.5%;BND:11.4%;TLT:15.8%;IEF:21.9%,US:65.3;EU:10.9;APAC:12.0;EM:8.2;Other:3.6,Value:-0.4;Growth:+0.1;Quality:-0.4;Size:+0.3;Momentum:-0.3;LowVol:-0.3,ESGOnly,7,25,4.8,hard 10%,140,17.8,Bull,14.6,3.75,3.1,86,48,59,47,false,Hedge,Add TLT +1% as duration hedge,21,12,BrokerA,MKT,97,None,None,Normal monitoring,77,-45,43,4,false,Tighten stops on momentum names
P9235,Systematic,401k,USD,2024-07-22,1229117,117056,1112061,1.0,56.0,29.0,6.7,8.3,BND:17.0%;MUB:13.4%;AMZN:18.6%;BRK.B:20.0%;TSLA:10.4%;QQQ:20.5%,US:63.8;EU:11.3;APAC:14.8;EM:6.5;Other:3.6,Value:-0.6;Growth:-1.0;Quality:+0.8;Size:-0.9;Momentum:-0.0;LowVol:-0.9,MaxPos6%,10,25,5.4,trailing 8%,191,25.8,Bull,11.3,3.61,2.7,81,110,98,26,false,Sell,Trim extended winner -1%,1,-20,BrokerA,LMT,96,None,None,Normal monitoring,32,-38,81,5,false,Tax-aware sells next window
P9236,Cautious,401k,USD,2025-10-30,602355,94398,507957,1.0,37.7,31.9,13.8,16.7,QQQ:22.0%;TLT:22.0%;VNQ:17.8%;TSLA:22.0%;GLD:16.1%,US:60.5;EU:11.9;APAC:15.8;EM:9.3;Other:2.4,Value:-0.8;Growth:+0.8;Quality:-0.5;Size:+0.6;Momentum:-0.7;LowVol:-0.7,MaxPos8%;NoDerivatives;NoMargin,8,35,3.5,trailing 8%,136,15.9,Bull,17.6,4.38,3.2,74,72,98,45,false,Rebalance,Shift +1% to bonds from equity,35,-40,BrokerD,MKT,86,None,None,Normal monitoring,114,20,196,4,false,Increase defensive factor exposure
P9237,Hands-off,IRA,USD,2025-01-22,202499,8502,193997,1.0,65.1,26.1,0.0,8.8,HYG:29.0%;BND:29.0%;MSFT:19.3%;AAPL:22.7%,US:66.7;EU:10.7;APAC:13.0;EM:7.2;Other:2.3,Value:+0.6;Growth:-1.0;Quality:+1.0;Size:+0.1;Momentum:-0.8;LowVol:-0.7,ESGOnly,6,25,5.6,hard 10%,153,19.8,Bull,14.8,3.87,2.7,96,7,53,40,false,Rebalance,Shift +1% to bonds from equity,-5,-7,BrokerC,VWAP,91,None,None,Normal monitoring,92,-27,227,3,false,Increase defensive factor exposure
P9238,Active,IRA,USD,2025-05-15,1630401,158090,1472311,1.0,64.7,18.5,9.4,7.4,AAPL:8.0%;GLD:22.9%;VTI:22.9%;QQQ:11.5%;HYG:19.4%;TSLA:15.3%,US:75.6;EU:5.2;APAC:8.7;EM:9.2;Other:1.3,Value:-0.0;Growth:-0.4;Quality:-0.4;Size:-0.8;Momentum:+0.5;LowVol:+0.2,MaxPos5%,6,35,4.4,hard 12%,214,17.7,Volatile,31.0,4.3,4.0,123,39,83,71,true,Hedge,Buy index puts 1% notional,32,-31,BrokerA,LMT,90,RegimeShift,Hedge,Volatility spike and breadth deterioration,-15,-36,56,5,false,Tighten stops on momentum names
P9239,Hands-off,IRA,USD,2025-11-28,359986,16733,343253,1.0,60.9,26.9,5.8,6.5,TLT:21.8%;VTI:28.1%;MUB:22.1%;IEF:28.1%,US:58.6;EU:18.0;APAC:9.9;EM:11.5;Other:2.1,Value:-0.9;Growth:+0.7;Quality:-0.4;Size:-0.2;Momentum:-0.0;LowVol:-0.2,MaxPos7%,8,25,3.1,trailing 8%,117,17.1,Bull,15.2,4.16,3.3,95,22,58,45,false,Sell,Trim extended winner -1%,-14,14,BrokerA,MKT,89,None,None,Normal monitoring,13,-5,119,4,false,Increase defensive factor exposure
P9240,Systematic,IRA,USD,2024-08-25,986938,73590,913348,1.0,65.7,29.0,0.0,5.4,XLF:33.3%;MUB:33.3%;HYG:33.3%,US:66.1;EU:14.0;APAC:9.7;EM:7.5;Other:2.7,Value:+0.6;Growth:+1.0;Quality:-0.9;Size:+0.1;Momentum:-0.2;LowVol:+0.5,MaxPos7%;NoDerivatives,8,35,5.5,hard 12%,199,18.9,Sideways,16.5,4.07,3.2,108,41,84,48,false,Rebalance,Shift +1% to bonds from equity,-4,8,BrokerB,MKT,96,None,None,Normal monitoring,98,-46,151,5,false,Increase defensive factor exposure
P9241,Active,401k,USD,2025-07-20,1592304,187548,1404756,1.0,61.0,27.7,5.2,6.1,IEF:23.1%;MUB:8.2%;GLD:23.1%;AAPL:23.1%;XLF:22.4%,US:68.0;EU:9.3;APAC:10.2;EM:6.7;Other:5.7,Value:+0.1;Growth:-0.6;Quality:+0.8;Size:+0.7;Momentum:+0.1;LowVol:+0.9,MaxPos6%;NoDerivatives,7,25,4.6,hard 12%,141,20.8,Volatile,23.9,5.18,3.7,134,32,79,61,false,Rebalance,Shift +1% to bonds from equity,-5,-9,BrokerA,LMT,91,None,None,Normal monitoring,-51,-26,23,3,false,Increase defensive factor exposure
P9242,Cautious,401k,USD,2025-10-13,315303,49923,265380,1.0,46.8,39.3,2.8,11.2,BRK.B:25.6%;TLT:25.6%;GLD:25.6%;XLF:23.3%,US:60.9;EU:9.7;APAC:12.9;EM:13.3;Other:3.2,Value:-1.0;Growth:+0.6;Quality:+0.2;Size:-0.0;Momentum:+0.4;LowVol:-0.0,MaxPos6%;NoDerivatives;NoMargin,5,25,5.7,trailing 10%,130,19.1,Sideways,15.8,4.37,2.3,113,40,77,37,false,Rebalance,Shift +1% to bonds from equity,-10,-19,BrokerC,LMT,91,None,None,Normal monitoring,83,-46,175,3,false,Within IPS guidelines
P9243,Cautious,401k,USD,2025-04-29,632879,75720,557159,1.0,43.0,40.9,0.0,16.1,IEF:21.7%;VNQ:26.1%;MSFT:26.1%;TSLA:26.1%,US:62.3;EU:19.0;APAC:11.5;EM:6.1;Other:1.2,Value:-0.7;Growth:+0.2;Quality:-0.5;Size:-0.3;Momentum:+0.5;LowVol:-1.0,ESGOnly;MaxPos7%;NoMargin,6,35,4.6,trailing 10%,139,19.1,Bull,11.4,3.55,3.3,98,69,92,37,false,Rebalance,Shift +1% to bonds from equity,-14,-11,BrokerB,LMT,90,None,None,Normal monitoring,77,-43,86,5,false,Monitor dispersion and breadth
P9244,Active,Taxable,USD,2025-07-07,1695972,185719,1510253,1.0,62.3,18.7,10.0,9.1,AMZN:21.3%;QQQ:18.3%;MUB:6.1%;IEF:21.3%;TLT:14.2%;VNQ:18.7%,US:67.3;EU:7.2;APAC:14.2;EM:6.2;Other:5.1,Value:+0.7;Growth:+0.6;Quality:-0.5;Size:-0.7;Momentum:+0.3;LowVol:-0.5,MaxPos6%,6,35,5.4,trailing 9%,167,24.4,Sideways,21.4,4.23,3.2,91,-1,46,63,false,Hedge,Add TLT +1% as duration hedge,7,-21,BrokerA,MKT,97,None,None,Normal monitoring,12,-1,132,4,false,Increase defensive factor exposure
P9245,Cautious,Taxable,USD,2025-02-09,205061,22480,182581,1.0,45.6,31.2,9.2,14.0,HYG:21.8%;AAPL:21.8%;VTI:12.4%;BND:9.1%;MUB:21.8%;VNQ:13.0%,US:76.3;EU:7.8;APAC:6.9;EM:8.2;Other:0.8,Value:+0.1;Growth:+0.9;Quality:-0.7;Size:+0.3;Momentum:-0.8;LowVol:+0.1,ESGOnly;MaxPos5%;NoMargin,7,30,5.9,trailing 8%,115,12.4,Bear,33.0,4.4,2.7,132,18,66,81,true,Hedge,Buy index puts 1% notional,27,-34,BrokerC,VWAP,95,VAR>budget,Pause,Risk above budget threshold,111,-31,95,5,false,Tax-aware sells next window
P9246,Active,IRA,USD,2025-01-29,722129,63768,658361,1.0,60.1,29.8,4.9,5.3,AAPL:24.4%;AMZN:9.5%;IEF:24.4%;MSFT:20.8%;HYG:10.2%;VNQ:10.7%,US:61.4;EU:15.8;APAC:10.3;EM:10.6;Other:1.9,Value:-0.2;Growth:-0.6;Quality:-0.9;Size:+0.3;Momentum:+0.9;LowVol:-0.6,,7,25,5.0,trailing 9%,122,18.7,Sideways,14.9,4.12,3.4,96,21,56,51,false,Sell,Trim extended winner -1%,-12,-26,BrokerD,MKT,87,None,None,Normal monitoring,25,-28,-12,5,false,Within IPS guidelines
P9247,Active,Trust,USD,2025-05-30,741476,59496,681980,1.0,67.6,19.2,7.1,6.1,VOO:18.8%;IEF:21.5%;HYG:21.5%;AAPL:21.0%;MUB:17.3%,US:63.7;EU:12.1;APAC:15.6;EM:5.8;Other:2.9,Value:-0.4;Growth:-0.1;Quality:+0.9;Size:+0.1;Momentum:+0.3;LowVol:+1.0,,5,35,5.0,trailing 9%,134,17.8,Sideways,21.8,3.56,2.6,99,-6,43,59,false,Buy,Add to core equity +1%,-9,5,BrokerD,VWAP,85,None,None,Normal monitoring,-24,-2,18,3,false,Monitor dispersion and breadth
P9248,Opportunistic,Trust,USD,2025-06-04,532662,28530,504132,1.0,72.5,15.6,4.9,7.0,QQQ:21.8%;GLD:19.1%;VTI:21.8%;TSLA:16.4%;VOO:20.9%,US:61.7;EU:9.7;APAC:12.7;EM:10.7;Other:5.3,Value:-0.9;Growth:-0.8;Quality:+0.5;Size:-1.0;Momentum:-0.0;LowVol:+0.1,MaxPos5%;NoDerivatives,8,30,5.3,hard 12%,228,26.5,Sideways,17.4,4.76,3.1,109,-7,49,58,false,Buy,Add to core equity +1%,-10,-2,BrokerA,MKT,97,None,None,Normal monitoring,-3,-29,43,3,false,Tighten stops on momentum names
P9249,Cautious,Trust,USD,2024-07-14,869326,133922,735404,1.0,35.2,33.0,14.6,17.2,IEF:26.0%;MSFT:22.1%;HYG:26.0%;MUB:26.0%,US:74.3;EU:9.5;APAC:11.0;EM:3.1;Other:2.1,Value:0.0;Growth:-0.4;Quality:+0.9;Size:+1.0;Momentum:+0.4;LowVol:-0.4,MaxPos7%;NoMargin,5,30,5.7,trailing 8%,135,18.2,Bull,14.5,3.56,2.1,119,109,94,36,false,Rebalance,Shift +1% to bonds from equity,14,-6,BrokerD,MKT,91,None,None,Normal monitoring,45,-20,50,5,false,Within IPS guidelines
P9250,Hands-off,401k,USD,2025-07-20,250051,24118,225933,1.0,62.5,18.6,12.0,6.9,GLD:19.9%;TSLA:10.6%;BND:24.0%;IEF:24.0%;VOO:21.5%,US:62.5;EU:15.8;APAC:13.0;EM:6.4;Other:2.3,Value:+0.8;Growth:-0.5;Quality:-0.5;Size:-0.5;Momentum:+0.3;LowVol:-0.9,MaxPos5%,6,25,4.6,trailing 8%,132,12.7,Bear,34.7,3.93,2.1,136,-65,19,83,true,Reduce,"Cut high-beta by 2-3%, add cash",24,3,BrokerC,MKT,88,VAR>budget,TightenStops,Risk above budget threshold,59,-16,189,2,false,Increase defensive factor exposure
P9251,Systematic,401k,USD,2024-10-30,1239608,88085,1151523,1.0,56.9,24.1,11.4,7.6,XLF:37.2%;HYG:37.2%;GLD:25.7%,US:64.7;EU:13.6;APAC:11.2;EM:6.8;Other:3.7,Value:+0.9;Growth:+0.2;Quality:+0.4;Size:-0.1;Momentum:-0.4;LowVol:-0.5,,8,35,5.6,hard 12%,135,16.5,Volatile,31.2,5.41,2.3,156,-51,9,67,false,Rebalance,Shift +1% to bonds from equity,1,-2,BrokerD,MKT,88,None,None,Normal monitoring,-59,-53,62,4,false,Tax-aware sells next window
P9252,Hands-off,Trust,USD,2025-02-01,836727,45906,790821,1.0,70.9,21.2,0.6,7.4,HYG:24.4%;IEF:19.5%;TLT:24.4%;MUB:12.2%;TSLA:19.6%,US:71.0;EU:10.6;APAC:7.5;EM:9.7;Other:1.2,Value:-0.9;Growth:+0.6;Quality:-0.5;Size:+0.7;Momentum:-0.6;LowVol:+0.2,ESGOnly,10,25,4.6,trailing 8%,130,17.3,Volatile,24.9,4.16,3.6,110,-4,39,78,true,Rebalance,Rebalance back to target bands,11,-28,BrokerA,MKT,98,VAR>budget,Reduce,Risk above budget threshold,69,-58,182,2,true,Increase defensive factor exposure
P9253,Opportunistic,IRA,USD,2025-04-04,1740579,53758,1686821,1.0,72.6,16.8,4.8,5.8,IEF:23.4%;TLT:12.3%;MUB:23.2%;VNQ:23.4%;VTI:17.8%,US:59.2;EU:9.3;APAC:15.8;EM:11.7;Other:4.0,Value:+0.6;Growth:-1.0;Quality:-1.0;Size:+0.7;Momentum:-0.9;LowVol:+0.7,,8,30,6.5,trailing 7%,243,30.3,Bear,22.4,3.67,2.2,163,-27,51,71,true,Reduce,"Cut high-beta by 2-3%, add cash",33,-12,BrokerB,MKT,93,VAR>budget,Reduce,Risk above budget threshold,-38,-27,82,4,false,Tighten stops on momentum names
P9254,Active,401k,USD,2025-10-29,933437,109494,823943,1.0,55.6,27.7,8.3,8.4,TLT:12.1%;BND:18.0%;MUB:20.3%;QQQ:24.8%;VOO:24.8%,US:66.7;EU:11.3;APAC:8.5;EM:10.7;Other:2.8,Value:-0.6;Growth:+0.2;Quality:+1.0;Size:-1.0;Momentum:+0.9;LowVol:+0.2,MaxPos8%,7,35,4.6,trailing 9%,188,27.3,Sideways,16.2,3.64,3.2,131,-20,34,51,false,Sell,Trim extended winner -1%,11,-30,BrokerD,MKT,99,None,None,Normal monitoring,77,17,67,4,false,Monitor dispersion and breadth
P9255,Cautious,IRA,USD,2025-03-20,314576,41029,273547,1.0,47.0,38.6,0.0,14.4,HYG:7.5%;QQQ:23.4%;TLT:23.4%;TSLA:22.4%;AAPL:23.4%,US:72.6;EU:10.2;APAC:5.0;EM:7.8;Other:4.4,Value:-0.8;Growth:-0.9;Quality:-0.1;Size:-0.2;Momentum:-0.3;LowVol:-0.4,ESGOnly;NoMargin,7,30,3.9,trailing 8%,105,18.7,Bear,34.1,3.88,1.8,190,-11,40,84,true,Hedge,Buy index puts 1% notional,25,-18,BrokerD,LMT,90,Drift>tolerance,Hedge,Allocation drift beyond policy bands,82,9,49,5,false,Tighten stops on momentum names
P9256,Cautious,Roth,USD,2024-07-13,366624,46219,320405,1.0,44.3,32.7,9.4,13.5,VNQ:22.2%;XLF:7.7%;MSFT:22.2%;AAPL:11.8%;VTI:13.8%;GLD:22.2%,US:63.6;EU:10.9;APAC:10.7;EM:10.8;Other:4.0,Value:+0.9;Growth:-0.4;Quality:+0.9;Size:+0.2;Momentum:+0.1;LowVol:-0.7,MaxPos8%;NoMargin,5,25,5.2,trailing 8%,96,19.1,Bear,27.5,3.21,2.8,214,-110,5,69,true,Reduce,"Cut high-beta by 2-3%, add cash",23,-8,BrokerB,MKT,87,Drift>tolerance,Reduce,Allocation drift beyond policy bands,87,-30,184,5,true,Tax-aware sells next window
P9257,Hands-off,Trust,USD,2025-11-19,337429,24156,313273,1.0,56.9,23.1,11.8,8.2,TSLA:17.6%;XLF:25.7%;VNQ:25.7%;AMZN:15.1%;BND:15.9%,US:62.6;EU:14.3;APAC:12.6;EM:7.9;Other:2.7,Value:-0.4;Growth:+0.2;Quality:-0.7;Size:+0.1;Momentum:+0.1;LowVol:-0.7,ESGOnly;NoDerivatives,8,35,4.2,trailing 10%,165,15.9,Sideways,20.4,4.71,2.2,133,54,89,61,true,Hedge,Buy index puts 1% notional,9,-40,BrokerC,MKT,97,VAR>budget,Reduce,Risk above budget threshold,43,-55,154,5,false,Monitor dispersion and breadth
P9258,Active,Taxable,USD,2025-08-27,2211857,256807,1955050,1.0,58.1,19.3,14.5,8.1,GLD:16.3%;MSFT:11.0%;BRK.B:7.2%;TLT:21.8%;QQQ:21.8%;MUB:21.8%,US:66.1;EU:13.0;APAC:11.5;EM:7.2;Other:2.2,Value:-0.4;Growth:-0.8;Quality:-0.2;Size:-0.8;Momentum:-0.3;LowVol:+0.3,,6,30,4.4,trailing 9%,181,17.2,Volatile,21.2,4.1,4.1,118,-18,51,57,false,Buy,Add to core equity +1%,6,7,BrokerB,MKT,100,None,None,Normal monitoring,81,-45,206,5,false,Tax-aware sells next window
P9259,Systematic,Roth,USD,2025-07-29,1526424,127290,1399134,1.0,68.2,25.9,0.0,5.9,BRK.B:9.8%;BND:22.8%;VNQ:21.9%;AAPL:22.8%;TSLA:22.8%,US:56.2;EU:18.9;APAC:12.4;EM:12.3;Other:0.2,Value:+0.1;Growth:+0.4;Quality:+0.5;Size:-0.8;Momentum:+0.7;LowVol:-0.7,NoDerivatives,10,30,5.3,trailing 9%,151,18.7,Sideways,14.6,3.74,2.9,114,20,65,52,true,Hedge,Buy index puts 1% notional,2,11,BrokerC,VWAP,90,Drift>tolerance,Reduce,Allocation drift beyond policy bands,64,10,178,4,true,Tax-aware sells next window
P9260,Systematic,Roth,USD,2025-05-01,910982,71670,839312,1.0,64.7,23.9,3.1,8.4,XLF:19.3%;IEF:23.3%;MSFT:17.3%;VNQ:23.3%;HYG:16.7%,US:64.3;EU:15.7;APAC:8.6;EM:10.9;Other:0.4,Value:-0.4;Growth:+0.7;Quality:+0.6;Size:+0.1;Momentum:-0.1;LowVol:0.0,,8,30,4.8,hard 12%,208,27.3,Bull,13.9,4.51,3.5,101,107,89,40,false,Sell,Trim extended winner -1%,5,-6,BrokerA,MKT,85,None,None,Normal monitoring,0,-10,120,5,false,Tax-aware sells next window
P9261,Cautious,IRA,USD,2025-05-27,235093,25570,209523,1.0,41.6,41.3,5.2,11.9,AMZN:26.8%;BND:27.1%;BRK.B:27.1%;VNQ:19.1%,US:71.4;EU:11.8;APAC:7.0;EM:7.3;Other:2.5,Value:+0.6;Growth:-0.5;Quality:-0.6;Size:-0.0;Momentum:-0.6;LowVol:-0.7,ESGOnly;NoMargin,7,35,4.6,trailing 8%,107,15.8,Volatile,31.2,4.95,3.2,123,62,68,64,false,Buy,Add to core equity +1%,31,-33,BrokerC,LMT,94,None,None,Normal monitoring,-51,18,-4,4,false,Increase defensive factor exposure
P9262,Active,Trust,USD,2025-05-05,877655,76203,801452,1.0,66.2,20.5,6.8,6.5,TSLA:34.2%;IEF:31.6%;VTI:34.2%,US:69.5;EU:15.3;APAC:6.9;EM:5.9;Other:2.4,Value:+0.8;Growth:+0.4;Quality:+0.2;Size:-0.4;Momentum:-0.9;LowVol:-0.4,,8,35,5.0,trailing 9%,183,27.3,Volatile,31.7,5.06,4.5,165,-4,57,86,true,Reduce,"Cut high-beta by 2-3%, add cash",2,-31,BrokerB,VWAP,86,RegimeShift,Pause,Volatility spike and breadth deterioration,-41,-13,-3,5,false,Monitor dispersion and breadth
P9263,Opportunistic,IRA,USD,2025-05-03,1194111,44702,1149409,1.0,76.3,12.0,5.8,6.0,VTI:26.1%;BND:21.6%;MUB:26.1%;TLT:26.1%,US:64.1;EU:8.9;APAC:11.4;EM:15.0;Other:0.5,Value:-1.0;Growth:-0.6;Quality:+0.2;Size:+0.5;Momentum:-0.3;LowVol:+0.3,,10,25,4.0,trailing 9%,171,22.0,Bull,13.5,4.26,2.3,96,7,62,61,false,Rebalance,Shift +1% to bonds from equity,-1,5,BrokerD,MKT,100,None,None,Normal monitoring,101,-49,148,3,false,Within IPS guidelines
P9264,Active,Roth,USD,2024-10-07,1321811,104139,1217672,1.0,63.4,28.1,0.0,8.5,XLF:22.1%;VOO:13.1%;AAPL:22.1%;VTI:20.5%;HYG:22.1%,US:67.0;EU:17.7;APAC:7.8;EM:4.4;Other:3.0,Value:+0.1;Growth:+0.9;Quality:-0.1;Size:+0.2;Momentum:-0.2;LowVol:+0.8,,7,25,4.6,trailing 9%,135,19.4,Sideways,19.3,3.61,2.1,111,31,52,51,false,Rebalance,Shift +1% to bonds from equity,23,15,BrokerC,MKT,94,None,None,Normal monitoring,42,-7,60,4,false,Monitor dispersion and breadth
P9265,Cautious,Trust,USD,2025-01-22,744160,62229,681931,1.0,47.7,38.4,0.0,13.9,MUB:22.2%;AMZN:22.2%;XLF:12.0%;VOO:21.3%;BRK.B:22.2%,US:65.2;EU:15.5;APAC:8.1;EM:8.6;Other:2.6,Value:+0.3;Growth:-0.9;Quality:+0.4;Size:-0.1;Momentum:+0.9;LowVol:-0.0,MaxPos5%;NoMargin,8,30,5.6,trailing 8%,115,17.5,Bull,16.9,3.94,2.5,111,63,85,52,true,Hedge,Buy index puts 1% notional,8,7,BrokerB,VWAP,94,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-39,15,17,2,false,Within IPS guidelines
P9266,Cautious,Trust,USD,2025-10-22,157599,14554,143045,1.0,48.5,33.3,5.1,13.1,VTI:25.5%;VNQ:23.5%;BRK.B:25.5%;TLT:25.5%,US:60.4;EU:13.2;APAC:11.2;EM:10.6;Other:4.7,Value:+0.2;Growth:-0.9;Quality:-0.9;Size:+0.2;Momentum:+0.4;LowVol:-0.8,MaxPos5%;NoDerivatives;NoMargin,6,30,5.2,trailing 10%,94,17.8,Bull,17.0,4.81,2.8,116,80,99,47,false,Sell,Trim extended winner -1%,19,-7,BrokerB,VWAP,92,None,None,Normal monitoring,-18,20,34,5,false,Increase defensive factor exposure
P9267,Systematic,401k,USD,2025-10-25,542392,44455,497937,1.0,62.3,31.5,0.0,6.2,VNQ:11.2%;XLF:20.8%;MUB:20.8%;AMZN:19.7%;MSFT:17.3%;BRK.B:10.3%,US:68.8;EU:11.5;APAC:13.1;EM:4.0;Other:2.6,Value:-0.7;Growth:+0.4;Quality:+0.4;Size:-1.0;Momentum:-1.0;LowVol:+0.8,,8,35,4.8,trailing 8%,184,27.7,Bull,14.8,4.08,3.1,74,57,65,36,false,Buy,Add to core equity +1%,-12,-12,BrokerB,MKT,87,None,None,Normal monitoring,-18,-42,98,5,false,Increase defensive factor exposure
P9268,Hands-off,Roth,USD,2025-11-07,467823,36110,431713,1.0,66.2,27.2,0.0,6.7,MUB:9.7%;VNQ:14.6%;BRK.B:19.3%;VTI:22.4%;XLF:22.4%;IEF:11.6%,US:66.6;EU:16.4;APAC:8.2;EM:6.7;Other:2.1,Value:+0.8;Growth:+0.1;Quality:-0.1;Size:+0.5;Momentum:-0.6;LowVol:-0.5,MaxPos5%,7,25,4.0,trailing 8%,136,13.7,Bull,17.2,4.86,2.3,110,71,95,60,false,Buy,Add to core equity +1%,25,7,BrokerB,LMT,100,None,None,Normal monitoring,103,-36,86,4,false,Within IPS guidelines
P9269,Active,401k,USD,2025-11-19,681082,72983,608099,1.0,58.2,29.7,5.1,7.0,TSLA:14.7%;MUB:24.8%;VTI:24.8%;AMZN:19.4%;BRK.B:16.3%,US:65.6;EU:13.9;APAC:5.5;EM:10.9;Other:4.1,Value:+0.5;Growth:+0.4;Quality:-0.9;Size:+0.4;Momentum:-0.7;LowVol:-0.3,,7,30,5.2,trailing 8%,205,25.6,Bear,30.6,3.53,1.2,210,38,56,66,false,Sell,Trim extended winner -1%,10,-17,BrokerA,MKT,87,None,None,Normal monitoring,0,-35,8,3,false,Tighten stops on momentum names
P9270,Cautious,401k,USD,2024-12-05,552040,82877,469163,1.0,42.7,40.6,0.0,16.7,VOO:14.2%;XLF:24.8%;BRK.B:11.3%;BND:24.8%;TSLA:24.8%,US:69.5;EU:11.0;APAC:6.4;EM:7.5;Other:5.6,Value:+0.1;Growth:+0.8;Quality:-0.3;Size:-0.7;Momentum:+0.8;LowVol:-0.7,NoMargin,8,35,4.1,trailing 8%,165,19.6,Bull,15.1,4.41,2.5,93,22,52,44,false,Buy,Add to core equity +1%,-9,-7,BrokerC,LMT,94,None,None,Normal monitoring,-24,14,100,4,false,Within IPS guidelines
P9271,Hands-off,IRA,USD,2024-11-14,839302,55401,783901,1.0,68.8,26.4,0.0,4.9,GLD:21.4%;XLF:17.7%;TLT:21.4%;QQQ:20.8%;VOO:18.6%,US:64.5;EU:11.3;APAC:12.1;EM:8.3;Other:3.8,Value:+0.1;Growth:+0.8;Quality:-0.7;Size:-0.6;Momentum:-0.3;LowVol:+1.0,NoDerivatives,10,30,5.6,trailing 8%,118,17.3,Sideways,18.7,4.15,3.3,134,56,71,57,false,NoAction,Within bands; monitor,25,12,BrokerA,VWAP,93,None,None,Normal monitoring,-23,5,43,4,false,Tax-aware sells next window
P9272,Opportunistic,Taxable,USD,2025-03-17,353932,20779,333153,1.0,66.4,17.0,9.8,6.7,BRK.B:22.6%;TLT:23.6%;AAPL:11.3%;GLD:23.6%;HYG:18.8%,US:71.0;EU:16.6;APAC:7.2;EM:4.6;Other:0.5,Value:+0.9;Growth:-0.5;Quality:-0.3;Size:-0.3;Momentum:+0.6;LowVol:-0.8,,10,30,6.8,trailing 9%,259,20.6,Volatile,30.0,3.72,2.5,131,37,80,73,true,Hedge,Buy index puts 1% notional,2,2,BrokerC,MKT,88,VAR>budget,Reduce,Risk above budget threshold,114,-41,81,3,false,Within IPS guidelines
P9273,Cautious,401k,USD,2025-07-20,850457,101475,748982,1.0,38.0,32.7,12.4,16.9,IEF:33.3%;VTI:33.3%;VOO:33.3%,US:64.3;EU:18.5;APAC:10.3;EM:5.0;Other:1.9,Value:-0.5;Growth:-0.3;Quality:+0.8;Size:-0.9;Momentum:-0.2;LowVol:0.0,NoDerivatives;NoMargin,6,25,5.4,trailing 8%,129,19.8,Bull,14.6,3.71,2.2,76,107,90,31,true,Reduce,"Cut high-beta by 2-3%, add cash",11,-33,BrokerB,LMT,97,RegimeShift,Hedge,Volatility spike and breadth deterioration,-42,-36,-10,4,false,Increase defensive factor exposure
P9274,Cautious,401k,USD,2025-09-29,811180,121896,689284,1.0,54.3,33.5,1.7,10.6,VOO:20.8%;MSFT:18.6%;AAPL:6.4%;MUB:20.8%;TSLA:20.8%;VNQ:12.7%,US:68.1;EU:10.1;APAC:11.7;EM:10.0;Other:0.1,Value:+0.7;Growth:+0.5;Quality:+0.3;Size:-0.5;Momentum:+0.5;LowVol:+0.1,NoMargin,10,35,4.7,trailing 8%,110,14.5,Volatile,24.5,5.12,4.1,138,59,76,53,false,Rebalance,Shift +1% to bonds from equity,8,4,BrokerB,LMT,95,None,None,Normal monitoring,41,6,96,3,false,Monitor dispersion and breadth
P9275,Cautious,Taxable,USD,2025-12-19,639463,90886,548577,1.0,47.0,30.0,8.5,14.5,BND:27.3%;VOO:25.1%;MSFT:20.3%;HYG:27.3%,US:61.0;EU:16.8;APAC:13.6;EM:5.1;Other:3.5,Value:+0.7;Growth:+0.4;Quality:-0.3;Size:+1.0;Momentum:+0.2;LowVol:-0.4,NoDerivatives;NoMargin,7,25,3.5,trailing 8%,101,18.0,Volatile,26.6,4.26,3.3,159,-12,58,67,false,Rebalance,Shift +1% to bonds from equity,27,-7,BrokerB,LMT,87,None,None,Normal monitoring,40,-14,157,3,false,Within IPS guidelines
P9276,Hands-off,Taxable,USD,2025-06-23,858713,83224,775489,1.0,56.7,27.5,8.3,7.5,VNQ:23.7%;VTI:22.5%;TSLA:23.7%;AMZN:17.8%;HYG:12.2%,US:64.1;EU:14.3;APAC:9.9;EM:7.1;Other:4.6,Value:-0.3;Growth:-0.5;Quality:-0.4;Size:+0.1;Momentum:-0.4;LowVol:0.0,ESGOnly,10,30,5.4,trailing 8%,118,14.2,Bull,15.7,4.61,2.2,103,77,77,39,false,Buy,Add to core equity +1%,-3,-10,BrokerC,MKT,96,None,None,Normal monitoring,24,13,115,4,false,Increase defensive factor exposure
P9277,Hands-off,Roth,USD,2025-11-11,240996,15089,225907,1.0,56.5,18.3,18.4,6.7,AAPL:25.0%;TLT:25.0%;HYG:25.0%;BRK.B:25.0%,US:60.5;EU:16.1;APAC:9.7;EM:12.0;Other:1.6,Value:+0.8;Growth:-0.7;Quality:0.0;Size:-0.4;Momentum:+0.8;LowVol:+0.6,NoDerivatives,6,25,4.9,trailing 8%,123,20.0,Sideways,20.0,3.53,2.4,114,-19,49,61,true,Hedge,Buy index puts 1% notional,-14,-33,BrokerA,MKT,87,VAR>budget,Reduce,Risk above budget threshold,-18,-33,55,2,false,Increase defensive factor exposure
P9278,Hands-off,Taxable,USD,2024-09-06,434511,18002,416509,1.0,67.6,21.2,2.5,8.7,XLF:17.4%;TSLA:6.8%;VOO:22.4%;IEF:22.4%;VNQ:22.4%;QQQ:8.6%,US:64.7;EU:16.8;APAC:7.2;EM:9.6;Other:1.7,Value:-0.5;Growth:0.0;Quality:-0.3;Size:+0.3;Momentum:+0.3;LowVol:-0.8,ESGOnly,5,25,4.9,trailing 8%,159,16.0,Bull,17.3,3.86,2.3,101,0,41,45,false,Rebalance,Shift +1% to bonds from equity,23,-13,BrokerB,VWAP,98,None,None,Normal monitoring,28,4,33,4,false,Monitor dispersion and breadth
P9279,Hands-off,Trust,USD,2024-11-25,533788,24187,509601,1.0,62.6,23.5,8.3,5.6,VOO:33.3%;MSFT:33.3%;AAPL:33.3%,US:59.2;EU:11.9;APAC:15.8;EM:8.0;Other:5.2,Value:-0.9;Growth:+0.9;Quality:-1.0;Size:-1.0;Momentum:-0.8;LowVol:+0.8,ESGOnly;MaxPos5%;NoDerivatives,10,35,4.9,trailing 8%,147,14.5,Volatile,27.1,5.02,3.0,166,17,68,81,true,Hedge,Buy index puts 1% notional,28,-32,BrokerC,MKT,94,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-14,11,117,4,false,Monitor dispersion and breadth
P9280,Systematic,Trust,USD,2024-12-13,1752415,152979,1599436,1.0,67.4,23.6,0.0,9.0,BRK.B:36.8%;VTI:36.8%;XLF:26.3%,US:67.6;EU:17.7;APAC:5.3;EM:5.6;Other:3.7,Value:+0.1;Growth:+0.6;Quality:+0.9;Size:-0.5;Momentum:+0.6;LowVol:+0.3,,6,30,5.5,trailing 8%,157,19.1,Bear,27.9,3.61,2.5,214,-73,8,75,true,Reduce,"Cut high-beta by 2-3%, add cash",5,-20,BrokerA,LMT,97,VAR>budget,Hedge,Risk above budget threshold,70,-52,104,2,false,Tighten stops on momentum names
P9281,Active,IRA,USD,2025-03-16,1285011,127623,1157388,1.0,61.3,27.3,4.4,7.0,AAPL:10.1%;TSLA:19.4%;MSFT:15.2%;IEF:20.9%;BRK.B:19.6%;XLF:14.8%,US:71.9;EU:7.0;APAC:12.4;EM:4.8;Other:3.9,Value:-0.1;Growth:-0.5;Quality:+0.5;Size:-0.5;Momentum:+0.2;LowVol:+0.8,MaxPos8%,10,35,4.1,trailing 8%,175,23.9,Volatile,21.4,4.11,3.1,156,-2,34,68,false,Sell,Trim extended winner -1%,-1,-39,BrokerC,LMT,100,None,None,Normal monitoring,30,5,33,3,false,Increase defensive factor exposure
P9282,Opportunistic,IRA,USD,2025-05-08,678299,38715,639584,1.0,74.5,13.5,7.3,4.6,QQQ:15.1%;VNQ:11.8%;IEF:10.1%;MSFT:23.3%;TSLA:23.3%;VOO:16.6%,US:61.6;EU:14.1;APAC:14.9;EM:8.6;Other:0.8,Value:+0.5;Growth:-0.5;Quality:+0.9;Size:+0.5;Momentum:+0.7;LowVol:-0.3,NoDerivatives,5,30,4.3,hard 12%,204,23.8,Bull,16.4,3.52,3.4,88,93,100,49,false,NoAction,Within bands; monitor,24,15,BrokerD,LMT,94,None,None,Normal monitoring,24,9,11,4,false,Within IPS guidelines
P9283,Hands-off,Roth,USD,2025-04-17,463445,37245,426200,1.0,55.4,27.5,11.1,6.0,TLT:16.9%;HYG:21.4%;BRK.B:21.4%;MUB:19.0%;TSLA:21.3%,US:74.0;EU:6.1;APAC:10.0;EM:8.9;Other:1.0,Value:-0.9;Growth:-0.5;Quality:-0.4;Size:+0.8;Momentum:+0.1;LowVol:+0.9,ESGOnly,7,25,4.8,trailing 8%,152,15.1,Bear,24.5,3.16,2.6,146,-46,27,57,false,NoAction,Within bands; monitor,-13,12,BrokerC,MKT,0,None,None,Normal monitoring,-33,1,-20,3,false,Tighten stops on momentum names
P9284,Hands-off,Roth,USD,2025-04-02,681471,45425,636046,1.0,65.1,16.4,9.9,8.5,QQQ:23.4%;MUB:23.4%;HYG:9.4%;VTI:20.6%;VOO:23.4%,US:69.1;EU:13.7;APAC:5.6;EM:7.1;Other:4.4,Value:-0.6;Growth:-0.7;Quality:-0.6;Size:+0.2;Momentum:+0.5;LowVol:-0.2,NoDerivatives,5,25,4.4,trailing 8%,130,16.1,Bull,13.4,4.13,2.6,96,65,68,35,false,Hedge,Add TLT +1% as duration hedge,12,-8,BrokerD,VWAP,98,None,None,Normal monitoring,-45,-49,-44,5,false,Monitor dispersion and breadth
P9285,Opportunistic,Roth,USD,2025-08-01,1467750,55305,1412445,1.0,71.9,20.5,0.0,7.6,MSFT:33.3%;QQQ:33.3%;IEF:33.3%,US:63.9;EU:16.7;APAC:11.8;EM:7.6;Other:0.0,Value:+0.1;Growth:-0.3;Quality:+0.5;Size:-0.1;Momentum:-0.5;LowVol:-0.5,,7,30,5.6,hard 12%,240,32.6,Bull,11.7,4.39,3.3,120,65,89,49,false,Buy,Add to core equity +1%,28,10,BrokerB,MKT,90,None,None,Normal monitoring,92,2,95,3,false,Tax-aware sells next window
P9286,Hands-off,Trust,USD,2024-12-25,182530,10667,171863,1.0,66.6,26.3,0.0,7.0,MUB:33.3%;BRK.B:33.3%;AMZN:33.3%,US:67.6;EU:9.7;APAC:7.8;EM:9.4;Other:5.5,Value:+0.2;Growth:-0.9;Quality:+0.5;Size:+0.9;Momentum:-0.8;LowVol:+0.8,,8,25,5.9,hard 10%,125,15.8,Bear,22.4,3.37,1.7,143,-30,37,62,false,Buy,Add to core equity +1%,-15,-29,BrokerC,MKT,87,None,None,Normal monitoring,98,2,90,4,false,Monitor dispersion and breadth
P9287,Hands-off,Roth,USD,2025-10-17,414051,40125,373926,1.0,73.5,17.0,2.8,6.7,VOO:26.3%;GLD:26.3%;VTI:26.3%;MSFT:21.0%,US:66.4;EU:14.0;APAC:6.4;EM:10.6;Other:2.6,Value:-0.6;Growth:+0.7;Quality:+0.9;Size:+0.6;Momentum:+0.1;LowVol:-0.3,NoDerivatives,8,25,3.6,trailing 8%,164,19.6,Bull,16.2,4.43,3.2,102,29,74,47,true,Rebalance,Rebalance back to target bands,16,-22,BrokerB,LMT,91,VAR>budget,Reduce,Risk above budget threshold,81,13,182,4,false,Tighten stops on momentum names
P9288,Cautious,IRA,USD,2024-08-24,556778,66363,490415,1.0,43.6,32.6,10.6,13.2,VTI:33.3%;QQQ:33.3%;MUB:33.3%,US:66.5;EU:16.9;APAC:5.6;EM:10.6;Other:0.4,Value:-0.6;Growth:+0.9;Quality:-0.9;Size:+0.9;Momentum:+0.4;LowVol:-0.4,ESGOnly;NoDerivatives;NoMargin,6,35,5.6,trailing 8%,99,15.7,Volatile,28.2,3.63,2.6,172,37,70,64,false,Sell,Trim extended winner -1%,2,10,BrokerA,VWAP,87,None,None,Normal monitoring,109,-13,165,5,false,Increase defensive factor exposure
P9289,Hands-off,Taxable,USD,2025-02-23,609433,38463,570970,1.0,66.7,24.6,0.0,8.7,AMZN:33.3%;QQQ:33.3%;TSLA:33.3%,US:74.3;EU:9.7;APAC:8.2;EM:4.4;Other:3.4,Value:+0.5;Growth:+0.1;Quality:+0.5;Size:+0.9;Momentum:-0.5;LowVol:-0.0,MaxPos6%;NoDerivatives,10,35,4.5,hard 10%,127,15.2,Bull,12.9,4.79,3.0,96,94,100,53,false,Hedge,Add TLT +1% as duration hedge,-3,-5,BrokerA,VWAP,95,None,None,Normal monitoring,56,20,63,3,false,Tax-aware sells next window
P9290,Opportunistic,Trust,USD,2025-07-08,379888,11992,367896,1.0,74.0,17.3,0.0,8.7,VTI:10.8%;IEF:23.9%;QQQ:17.6%;GLD:23.9%;AMZN:23.9%,US:67.8;EU:8.2;APAC:14.4;EM:8.1;Other:1.5,Value:-0.2;Growth:+1.0;Quality:+0.3;Size:-0.7;Momentum:-0.6;LowVol:-0.2,,8,30,5.1,hard 12%,220,26.8,Bull,14.4,4.33,3.4,108,77,100,60,false,Rebalance,Shift +1% to bonds from equity,-7,-2,BrokerA,LMT,88,None,None,Normal monitoring,34,-18,81,4,false,Increase defensive factor exposure
P9291,Systematic,Trust,USD,2025-12-05,1044632,53011,991621,1.0,67.8,22.1,1.4,8.7,AAPL:12.0%;AMZN:10.1%;GLD:24.1%;QQQ:16.3%;IEF:24.1%;TSLA:13.4%,US:70.1;EU:12.1;APAC:5.4;EM:8.6;Other:3.7,Value:-1.0;Growth:-0.1;Quality:+0.8;Size:+0.2;Momentum:-0.6;LowVol:+0.1,MaxPos6%,8,30,4.4,trailing 9%,202,18.1,Bull,15.3,4.67,2.3,110,20,68,44,false,Rebalance,Shift +1% to bonds from equity,31,-18,BrokerB,LMT,89,None,None,Normal monitoring,-12,-56,3,5,false,Tighten stops on momentum names
P9292,Cautious,Roth,USD,2025-03-20,428179,45016,383163,1.0,49.4,35.1,0.0,15.5,MSFT:24.9%;HYG:17.8%;BND:22.8%;AMZN:24.9%;VOO:9.5%,US:56.2;EU:16.9;APAC:12.4;EM:9.8;Other:4.7,Value:-0.5;Growth:-0.9;Quality:-0.2;Size:+0.5;Momentum:-0.6;LowVol:+0.6,ESGOnly;NoMargin,7,25,3.5,hard 10%,105,14.1,Sideways,16.1,3.82,2.2,101,-22,27,42,false,Hedge,Add TLT +1% as duration hedge,-15,-26,BrokerD,MKT,94,None,None,Normal monitoring,17,-23,65,3,false,Increase defensive factor exposure
P9293,Active,401k,USD,2025-09-28,1800636,108747,1691889,1.0,54.0,27.7,13.0,5.4,VOO:25.2%;AAPL:25.2%;BRK.B:25.2%;XLF:24.4%,US:67.1;EU:7.2;APAC:10.1;EM:10.9;Other:4.8,Value:+0.2;Growth:-0.0;Quality:+0.2;Size:+0.4;Momentum:-0.5;LowVol:-0.0,NoDerivatives,7,25,4.7,hard 12%,165,22.8,Sideways,17.7,4.57,3.4,121,13,57,48,false,Buy,Add to core equity +1%,13,-10,BrokerA,MKT,92,None,None,Normal monitoring,-45,-39,86,3,false,Tax-aware sells next window
P9294,Active,Roth,USD,2025-01-23,1234059,108711,1125348,1.0,53.8,31.6,6.0,8.6,AAPL:21.5%;HYG:16.2%;BND:21.5%;VNQ:20.0%;AMZN:12.1%;BRK.B:8.6%,US:64.7;EU:12.4;APAC:7.6;EM:10.4;Other:4.8,Value:+0.2;Growth:-0.4;Quality:-0.8;Size:+0.1;Momentum:-0.5;LowVol:+1.0,NoDerivatives,8,25,4.4,trailing 8%,121,19.6,Bear,25.5,3.95,1.3,204,-109,5,55,false,Sell,Trim extended winner -1%,-15,-40,BrokerA,VWAP,94,None,None,Normal monitoring,67,-56,146,3,false,Tax-aware sells next window
P9295,Systematic,Roth,USD,2024-12-10,1616722,126881,1489841,1.0,57.7,30.0,4.6,7.7,AMZN:33.3%;VNQ:33.3%;GLD:33.3%,US:64.7;EU:12.0;APAC:10.7;EM:9.0;Other:3.6,Value:+0.9;Growth:-0.9;Quality:+0.9;Size:+1.0;Momentum:-0.1;LowVol:+0.9,MaxPos5%,7,25,5.1,trailing 8%,217,20.4,Volatile,26.9,4.37,3.1,124,-3,39,62,false,Rebalance,Shift +1% to bonds from equity,10,-30,BrokerC,MKT,90,None,None,Normal monitoring,20,-25,129,3,false,Within IPS guidelines
P9296,Systematic,Taxable,USD,2025-09-09,979708,39663,940045,1.0,66.7,25.9,0.0,7.3,IEF:24.1%;QQQ:24.1%;VNQ:8.7%;GLD:19.1%;AMZN:24.1%,US:65.3;EU:17.5;APAC:7.3;EM:8.8;Other:1.0,Value:+0.6;Growth:-0.1;Quality:-0.0;Size:-0.2;Momentum:-0.8;LowVol:-1.0,MaxPos7%,7,30,4.2,trailing 8%,135,26.6,Bull,11.5,4.36,2.1,106,1,45,51,true,Hedge,Buy index puts 1% notional,-4,-26,BrokerA,LMT,92,RegimeShift,Hedge,Volatility spike and breadth deterioration,-7,-57,107,3,true,Within IPS guidelines
P9297,Active,Roth,USD,2024-07-29,957216,83578,873638,1.0,61.8,31.4,0.0,6.8,QQQ:19.3%;AAPL:26.9%;XLF:26.9%;AMZN:26.9%,US:71.6;EU:10.9;APAC:5.9;EM:8.6;Other:2.9,Value:+0.4;Growth:-0.2;Quality:-0.7;Size:+0.9;Momentum:-0.8;LowVol:+0.8,NoDerivatives,6,30,5.8,hard 12%,190,17.7,Volatile,31.8,4.35,3.5,114,-32,43,76,true,Hedge,Buy index puts 1% notional,-14,-8,BrokerA,MKT,93,Drift>tolerance,Reduce,Allocation drift beyond policy bands,85,-19,181,5,false,Increase defensive factor exposure
P9298,Active,IRA,USD,2024-08-28,1825255,139413,1685842,1.0,65.3,26.7,0.0,7.9,AAPL:33.3%;BND:33.3%;BRK.B:33.3%,US:66.3;EU:10.9;APAC:15.0;EM:6.3;Other:1.5,Value:-0.0;Growth:+1.0;Quality:-0.4;Size:-0.9;Momentum:-0.1;LowVol:+0.9,MaxPos6%,5,30,4.9,trailing 9%,156,19.8,Sideways,15.1,4.67,3.3,114,52,83,54,false,Rebalance,Shift +1% to bonds from equity,24,-29,BrokerC,MKT,91,None,None,Normal monitoring,-28,-4,-4,3,false,Monitor dispersion and breadth
P9299,Cautious,IRA,USD,2025-11-17,204913,18088,186825,1.0,42.1,30.9,9.2,17.8,VOO:14.6%;BRK.B:18.9%;MUB:20.2%;BND:12.6%;GLD:15.5%;HYG:18.3%,US:63.7;EU:16.9;APAC:11.0;EM:8.3;Other:0.1,Value:+0.4;Growth:-0.9;Quality:+0.3;Size:-0.5;Momentum:-0.6;LowVol:+1.0,NoMargin,10,35,4.3,trailing 8%,117,12.2,Bear,30.1,3.82,1.8,190,-27,23,74,true,Hedge,Buy index puts 1% notional,34,-22,BrokerB,VWAP,85,VAR>budget,Reduce,Risk above budget threshold,44,-15,45,5,false,Within IPS guidelines
P9300,Cautious,Taxable,USD,2024-08-27,347029,44653,302376,1.0,46.6,38.8,0.2,14.4,MSFT:26.7%;XLF:20.6%;VOO:25.9%;AAPL:26.7%,US:67.0;EU:8.0;APAC:10.8;EM:11.0;Other:3.1,Value:+0.4;Growth:-0.2;Quality:-0.5;Size:+0.4;Momentum:-0.3;LowVol:-0.5,NoMargin,10,25,4.1,trailing 8%,90,15.3,Bull,15.8,4.5,2.2,114,86,96,46,false,Rebalance,Shift +1% to bonds from equity,22,15,BrokerA,VWAP,92,None,None,Normal monitoring,22,-32,128,4,false,Monitor dispersion and breadth
P9301,Hands-off,401k,USD,2025-05-24,645780,54265,591515,1.0,64.4,20.7,5.2,9.7,BRK.B:22.5%;GLD:18.3%;AAPL:14.3%;VOO:22.5%;XLF:22.5%,US:71.2;EU:14.1;APAC:6.3;EM:5.8;Other:2.6,Value:+0.3;Growth:-1.0;Quality:-0.7;Size:-0.4;Momentum:+0.2;LowVol:-1.0,,8,25,5.6,trailing 10%,135,14.8,Bull,11.7,4.25,2.6,120,40,71,33,false,Sell,Trim extended winner -1%,31,-22,BrokerC,MKT,99,None,None,Normal monitoring,30,-29,-9,4,false,Tax-aware sells next window
P9302,Systematic,Roth,USD,2025-09-29,724446,46677,677769,1.0,61.6,30.7,1.7,6.0,AMZN:17.3%;TLT:27.6%;GLD:27.6%;VOO:27.6%,US:65.7;EU:12.7;APAC:13.9;EM:7.1;Other:0.7,Value:+0.4;Growth:+0.7;Quality:+0.2;Size:-0.8;Momentum:+0.7;LowVol:+0.4,,8,25,5.0,trailing 8%,130,20.6,Volatile,28.4,3.57,4.4,174,25,50,72,true,Hedge,Buy index puts 1% notional,-5,15,BrokerB,MKT,86,RegimeShift,Reduce,Volatility spike and breadth deterioration,55,-35,92,2,false,Increase defensive factor exposure
P9303,Cautious,Taxable,USD,2025-06-08,223880,28791,195089,1.0,52.9,30.2,0.0,16.9,IEF:29.1%;TSLA:29.1%;GLD:12.7%;BND:29.1%,US:72.6;EU:8.5;APAC:12.2;EM:6.6;Other:0.2,Value:-0.6;Growth:-1.0;Quality:+0.4;Size:+0.6;Momentum:+0.4;LowVol:-0.7,MaxPos5%;NoMargin,6,35,5.7,hard 10%,129,16.0,Sideways,14.4,4.73,2.2,118,-16,37,43,false,Rebalance,Shift +1% to bonds from equity,-9,12,BrokerC,VWAP,96,None,None,Normal monitoring,30,10,148,5,false,Within IPS guidelines
P9304,Opportunistic,Roth,USD,2024-08-12,906438,78327,828111,1.0,63.2,10.3,20.6,5.9,IEF:22.1%;BND:27.0%;VTI:23.9%;GLD:27.0%,US:65.8;EU:10.7;APAC:16.0;EM:5.3;Other:2.2,Value:-0.9;Growth:+0.1;Quality:+0.6;Size:+0.1;Momentum:-0.2;LowVol:+0.6,,5,30,5.0,trailing 9%,182,25.8,Bear,23.3,4.49,1.3,211,-11,49,66,false,Buy,Add to core equity +1%,-2,-10,BrokerA,MKT,87,None,None,Normal monitoring,73,-3,75,3,false,Tighten stops on momentum names
P9305,Opportunistic,Trust,USD,2024-07-19,437390,14332,423058,1.25,66.5,17.3,10.4,5.9,HYG:21.1%;BRK.B:21.7%;TLT:21.7%;IEF:6.9%;GLD:10.5%;VTI:18.1%,US:61.2;EU:14.4;APAC:15.7;EM:5.3;Other:3.5,Value:-0.4;Growth:+0.3;Quality:-0.8;Size:+0.6;Momentum:+0.7;LowVol:+0.6,MaxPos6%,5,35,6.6,hard 12%,204,25.1,Bear,24.7,3.03,2.2,137,-87,20,60,false,Rebalance,Shift +1% to bonds from equity,7,0,BrokerC,MKT,89,None,None,Normal monitoring,79,-18,64,5,false,Tax-aware sells next window
P9306,Opportunistic,401k,USD,2025-06-18,496914,26260,470654,1.0,64.1,14.0,14.4,7.5,TSLA:33.3%;TLT:33.3%;XLF:33.3%,US:57.9;EU:15.9;APAC:10.7;EM:12.1;Other:3.3,Value:-0.4;Growth:-0.1;Quality:+0.2;Size:+0.3;Momentum:-0.7;LowVol:-0.4,MaxPos8%,6,30,5.6,hard 12%,198,33.7,Sideways,20.0,3.71,2.9,140,34,70,57,false,Rebalance,Shift +1% to bonds from equity,-10,0,BrokerA,MKT,93,None,None,Normal monitoring,-37,-9,-60,3,false,Increase defensive factor exposure
P9307,Opportunistic,401k,USD,2024-09-27,600299,32897,567402,1.0,61.7,20.4,13.0,4.9,TLT:18.5%;VTI:14.7%;AAPL:19.2%;BRK.B:17.1%;GLD:20.4%;QQQ:10.3%,US:65.7;EU:8.9;APAC:8.9;EM:12.9;Other:3.7,Value:+0.1;Growth:-0.8;Quality:-0.3;Size:+0.1;Momentum:-0.8;LowVol:+0.4,,6,35,6.2,trailing 9%,244,30.0,Bull,17.6,4.99,3.1,74,99,94,49,false,Rebalance,Shift +1% to bonds from equity,-14,-22,BrokerC,LMT,88,None,None,Normal monitoring,-48,1,25,5,false,Tighten stops on momentum names
P9308,Opportunistic,401k,USD,2024-07-14,1635187,89522,1545665,1.0,77.2,13.4,3.9,5.4,QQQ:23.6%;VNQ:20.0%;VTI:23.6%;AMZN:11.9%;AAPL:21.0%,US:59.1;EU:12.2;APAC:14.9;EM:10.2;Other:3.6,Value:-0.4;Growth:+0.4;Quality:-0.2;Size:+0.5;Momentum:+0.3;LowVol:0.0,NoDerivatives,8,35,6.7,hard 12%,185,30.4,Bull,13.3,4.98,2.6,117,107,100,61,false,NoAction,Within bands; monitor,5,-23,BrokerC,LMT,96,None,None,Normal monitoring,65,-38,67,5,false,Within IPS guidelines
P9309,Systematic,Trust,USD,2025-07-17,1110567,64789,1045778,1.0,55.7,21.2,15.6,7.4,BRK.B:33.3%;AAPL:33.3%;VTI:33.3%,US:62.6;EU:18.3;APAC:6.8;EM:10.8;Other:1.5,Value:-0.6;Growth:-0.5;Quality:-0.9;Size:+0.2;Momentum:+0.6;LowVol:-0.9,,7,35,4.6,hard 12%,228,25.6,Volatile,20.3,4.9,3.8,151,68,82,56,false,Rebalance,Shift +1% to bonds from equity,9,14,BrokerD,MKT,85,None,None,Normal monitoring,101,-55,182,4,false,Tighten stops on momentum names
P9310,Active,IRA,USD,2024-09-20,1675021,198216,1476805,1.18,54.9,29.1,6.2,9.8,TSLA:33.6%;AAPL:33.6%;HYG:32.8%,US:76.0;EU:6.4;APAC:8.8;EM:5.4;Other:3.4,Value:-0.7;Growth:-1.0;Quality:-0.7;Size:+0.9;Momentum:-1.0;LowVol:-0.3,,8,30,4.4,trailing 8%,199,23.1,Volatile,26.4,5.46,2.5,174,-47,31,69,false,Buy,Add to core equity +1%,-11,-28,BrokerA,MKT,99,None,None,Normal monitoring,-38,-20,22,3,false,Increase defensive factor exposure
P9311,Systematic,401k,USD,2025-07-12,1810857,111865,1698992,1.0,61.7,30.3,0.0,8.0,XLF:22.2%;VOO:20.7%;TLT:17.4%;VTI:22.2%;AMZN:17.5%,US:69.8;EU:10.9;APAC:13.5;EM:3.1;Other:2.8,Value:+0.2;Growth:-0.4;Quality:+0.5;Size:-0.7;Momentum:-0.4;LowVol:+0.8,NoDerivatives,8,30,5.1,hard 12%,220,20.9,Sideways,18.7,3.97,3.4,139,-2,39,59,false,Buy,Add to core equity +1%,-10,-22,BrokerC,VWAP,100,None,None,Normal monitoring,38,12,31,4,false,Increase defensive factor exposure
P9312,Systematic,401k,USD,2025-08-17,1722382,146233,1576149,1.0,61.0,31.9,0.0,7.1,GLD:9.3%;IEF:21.7%;XLF:22.4%;VNQ:14.4%;MUB:9.8%;VOO:22.4%,US:64.3;EU:7.3;APAC:15.6;EM:9.7;Other:3.0,Value:-0.3;Growth:-0.9;Quality:+0.3;Size:+0.9;Momentum:-0.4;LowVol:-0.2,,5,35,5.9,trailing 9%,135,27.9,Volatile,26.3,3.66,2.9,130,-21,33,71,true,Hedge,Buy index puts 1% notional,35,0,BrokerC,MKT,85,Drift>tolerance,Reduce,Allocation drift beyond policy bands,53,-5,61,4,false,Tighten stops on momentum names
P9313,Systematic,IRA,USD,2024-11-01,1137731,91367,1046364,1.0,57.6,28.0,4.9,9.5,IEF:26.9%;AAPL:19.3%;HYG:26.9%;MSFT:26.9%,US:66.4;EU:8.5;APAC:9.0;EM:11.5;Other:4.6,Value:+0.9;Growth:+0.2;Quality:-0.4;Size:-0.2;Momentum:-0.6;LowVol:-0.7,NoDerivatives,6,25,5.2,trailing 8%,220,16.9,Sideways,14.6,4.64,2.8,106,-26,25,39,false,Rebalance,Shift +1% to bonds from equity,-6,-3,BrokerC,LMT,94,None,None,Normal monitoring,-56,15,9,4,false,Tax-aware sells next window
P9314,Active,Roth,USD,2024-10-18,1005256,79572,925684,1.19,59.7,29.7,1.0,9.6,AMZN:25.1%;AAPL:25.1%;QQQ:14.2%;XLF:23.6%;BND:12.1%,US:64.7;EU:11.3;APAC:10.8;EM:9.0;Other:4.2,Value:0.0;Growth:+0.2;Quality:-0.8;Size:+0.1;Momentum:-1.0;LowVol:+0.8,,7,25,5.7,trailing 8%,228,21.3,Sideways,15.0,4.71,3.0,96,53,61,54,false,NoAction,Within bands; monitor,11,14,BrokerB,LMT,90,None,None,Normal monitoring,5,-23,77,3,false,Increase defensive factor exposure
P9315,Hands-off,Roth,USD,2025-09-19,849766,66736,783030,1.0,65.7,23.5,2.0,8.8,TLT:13.6%;VOO:18.9%;AMZN:10.6%;AAPL:14.5%;XLF:21.2%;IEF:21.2%,US:71.6;EU:10.1;APAC:7.8;EM:8.3;Other:2.2,Value:-0.3;Growth:-0.4;Quality:+0.5;Size:+0.5;Momentum:-0.0;LowVol:+0.6,,7,30,3.7,trailing 8%,104,14.7,Volatile,21.8,4.11,2.9,156,47,71,53,false,Hedge,Add TLT +1% as duration hedge,-8,-27,BrokerD,MKT,96,None,None,Normal monitoring,-41,1,41,5,false,Tax-aware sells next window
P9316,Opportunistic,Taxable,USD,2024-11-30,1142515,59565,1082950,1.0,74.9,10.9,5.7,8.5,VOO:23.9%;TSLA:23.9%;AAPL:19.7%;GLD:21.7%;BRK.B:10.8%,US:61.7;EU:15.8;APAC:11.2;EM:10.0;Other:1.3,Value:-0.7;Growth:-0.1;Quality:-0.2;Size:-0.4;Momentum:+0.1;LowVol:+0.7,MaxPos8%;NoDerivatives,6,30,6.9,hard 12%,174,23.9,Volatile,29.5,3.72,4.2,123,50,83,81,true,Hedge,Buy index puts 1% notional,13,-22,BrokerA,MKT,85,VAR>budget,Reduce,Risk above budget threshold,117,-57,219,3,false,Tighten stops on momentum names
P9317,Opportunistic,IRA,USD,2025-07-22,1342808,95794,1247014,1.0,65.4,18.4,11.9,4.3,GLD:33.3%;TSLA:33.3%;HYG:33.3%,US:69.2;EU:10.9;APAC:7.6;EM:10.1;Other:2.2,Value:+0.8;Growth:-0.4;Quality:+0.9;Size:+0.6;Momentum:-0.0;LowVol:-0.8,MaxPos8%,5,35,6.5,trailing 7%,206,29.7,Bull,15.9,4.92,3.4,88,67,70,51,false,Sell,Trim extended winner -1%,-10,-16,BrokerA,MKT,98,None,None,Normal monitoring,70,-26,75,5,false,Within IPS guidelines
P9318,Cautious,Roth,USD,2025-06-10,574731,57131,517600,1.0,45.8,39.8,1.0,13.4,BRK.B:27.5%;HYG:17.6%;MSFT:27.5%;MUB:27.5%,US:73.6;EU:10.2;APAC:7.3;EM:7.8;Other:1.1,Value:-0.1;Growth:-0.6;Quality:+1.0;Size:-0.1;Momentum:+0.4;LowVol:+0.6,MaxPos8%;NoMargin,7,30,4.7,hard 10%,139,14.7,Bull,16.4,4.13,3.5,113,109,97,44,false,Rebalance,Shift +1% to bonds from equity,33,-37,BrokerC,MKT,100,None,None,Normal monitoring,110,-33,128,5,false,Tax-aware sells next window
P9319,Hands-off,IRA,USD,2025-05-07,834790,36442,798348,1.0,60.3,26.8,3.6,9.3,VNQ:20.9%;AAPL:26.4%;QQQ:26.4%;VTI:26.4%,US:66.9;EU:7.8;APAC:10.1;EM:11.3;Other:3.9,Value:-0.3;Growth:-0.9;Quality:+0.4;Size:-0.4;Momentum:-0.3;LowVol:-0.4,MaxPos7%,5,30,4.5,trailing 8%,126,19.9,Bull,13.2,4.73,2.5,87,41,68,46,false,Rebalance,Shift +1% to bonds from equity,14,-9,BrokerC,LMT,99,None,None,Normal monitoring,4,-35,18,5,false,Increase defensive factor exposure
P9320,Active,Roth,USD,2025-08-14,1382875,85618,1297257,1.0,58.6,27.8,7.6,6.0,TSLA:35.5%;AAPL:29.0%;TLT:35.5%,US:59.7;EU:13.4;APAC:14.6;EM:11.8;Other:0.5,Value:0.0;Growth:0.0;Quality:-0.3;Size:+0.3;Momentum:-1.0;LowVol:-0.4,NoDerivatives,8,25,4.0,trailing 8%,207,23.5,Sideways,21.4,4.17,2.4,109,-1,41,47,false,Rebalance,Shift +1% to bonds from equity,18,-2,BrokerD,MKT,98,None,None,Normal monitoring,51,-33,71,5,false,Increase defensive factor exposure
P9321,Systematic,Trust,USD,2024-09-19,615501,46540,568961,1.0,60.6,22.5,11.1,5.9,XLF:15.8%;GLD:8.5%;TLT:17.1%;QQQ:18.8%;VTI:19.7%;VOO:20.2%,US:68.0;EU:8.4;APAC:10.3;EM:10.9;Other:2.5,Value:+0.5;Growth:-1.0;Quality:+0.9;Size:-0.7;Momentum:+0.8;LowVol:0.0,,7,30,5.7,trailing 8%,127,23.3,Sideways,16.2,3.96,2.5,129,50,63,47,false,Sell,Trim extended winner -1%,-1,-20,BrokerB,LMT,88,None,None,Normal monitoring,33,0,124,4,false,Tighten stops on momentum names
P9322,Active,401k,USD,2024-12-14,2493821,216612,2277209,1.0,63.7,28.0,0.0,8.3,AAPL:25.0%;AMZN:25.0%;MUB:25.0%;BND:25.0%,US:59.0;EU:16.0;APAC:11.4;EM:9.4;Other:4.2,Value:+0.4;Growth:-0.3;Quality:+0.8;Size:+0.9;Momentum:-0.6;LowVol:+0.4,MaxPos7%,10,30,5.4,trailing 8%,127,22.2,Volatile,21.4,5.04,3.4,147,-58,29,69,false,Rebalance,Shift +1% to bonds from equity,6,8,BrokerD,LMT,98,None,None,Normal monitoring,67,-48,75,4,false,Increase defensive factor exposure
P9323,Active,IRA,USD,2025-02-18,2356401,239464,2116937,1.0,62.9,28.3,0.0,8.7,VOO:19.9%;MUB:11.5%;TSLA:10.1%;BND:21.1%;AAPL:21.8%;BRK.B:15.5%,US:69.2;EU:8.1;APAC:6.6;EM:11.9;Other:4.2,Value:-0.3;Growth:-0.6;Quality:-0.8;Size:+0.6;Momentum:0.0;LowVol:-0.4,,7,30,5.0,trailing 9%,139,17.0,Volatile,31.7,4.85,2.7,165,-34,42,91,true,Reduce,"Cut high-beta by 2-3%, add cash",30,-13,BrokerB,MKT,99,VAR>budget,Hedge,Risk above budget threshold,95,-28,185,2,false,Increase defensive factor exposure
P9324,Cautious,Taxable,USD,2024-10-27,830935,78552,752383,1.0,43.7,40.5,2.7,13.1,QQQ:23.7%;MSFT:23.7%;IEF:18.1%;BRK.B:11.5%;VOO:9.9%;XLF:13.1%,US:71.2;EU:15.1;APAC:6.2;EM:6.3;Other:1.2,Value:-0.1;Growth:-0.5;Quality:+0.1;Size:-0.9;Momentum:-0.4;LowVol:-0.6,NoMargin,10,30,3.5,trailing 8%,99,13.5,Volatile,22.0,5.22,3.4,122,43,67,49,false,Rebalance,Shift +1% to bonds from equity,24,-27,BrokerA,LMT,85,None,None,Normal monitoring,23,-46,100,5,false,Tax-aware sells next window
P9325,Active,401k,USD,2025-07-26,1137857,89550,1048307,1.08,66.3,18.5,10.0,5.2,GLD:18.9%;HYG:27.0%;VOO:27.0%;QQQ:27.0%,US:61.6;EU:16.3;APAC:8.2;EM:10.9;Other:3.0,Value:-0.0;Growth:+0.6;Quality:-0.0;Size:+0.2;Momentum:-0.1;LowVol:-0.6,,10,35,4.9,trailing 9%,171,16.9,Bear,30.5,3.65,3.0,186,-50,28,76,true,Hedge,Buy index puts 1% notional,14,9,BrokerD,MKT,86,RegimeShift,Hedge,Volatility spike and breadth deterioration,97,-5,76,3,false,Increase defensive factor exposure
P9326,Systematic,Trust,USD,2025-06-23,492794,37766,455028,1.0,67.8,24.4,0.0,7.7,VNQ:25.0%;HYG:25.0%;VTI:25.0%;IEF:25.0%,US:75.1;EU:6.0;APAC:9.3;EM:9.0;Other:0.7,Value:-0.8;Growth:0.0;Quality:0.0;Size:+0.7;Momentum:-0.1;LowVol:+0.7,NoDerivatives,7,35,5.0,trailing 8%,193,18.8,Bear,22.8,3.86,1.4,165,-61,10,69,false,NoAction,Within bands; monitor,-14,-23,BrokerA,MKT,0,None,None,Normal monitoring,39,-2,97,3,false,Monitor dispersion and breadth
P9327,Systematic,Trust,USD,2024-11-30,920708,54991,865717,1.0,69.3,20.7,2.1,7.9,TLT:28.5%;BND:28.5%;BRK.B:14.5%;HYG:28.5%,US:63.5;EU:10.0;APAC:13.6;EM:8.9;Other:4.0,Value:+0.1;Growth:+0.6;Quality:+0.4;Size:-1.0;Momentum:+0.4;LowVol:+1.0,,5,35,4.9,trailing 8%,207,16.2,Bull,12.6,4.87,3.5,88,113,100,53,false,Rebalance,Shift +1% to bonds from equity,-3,-39,BrokerD,LMT,88,None,None,Normal monitoring,18,-3,157,5,false,Monitor dispersion and breadth
P9328,Systematic,Trust,USD,2025-04-17,1243236,97943,1145293,1.0,62.0,32.0,0.0,5.9,BND:23.5%;TLT:23.5%;MSFT:23.5%;QQQ:12.5%;VNQ:17.0%,US:62.7;EU:18.3;APAC:13.6;EM:4.5;Other:0.9,Value:-0.2;Growth:-0.2;Quality:-0.4;Size:-0.3;Momentum:+0.7;LowVol:-0.1,NoDerivatives,6,35,5.5,trailing 8%,199,25.8,Bear,31.3,3.45,2.6,214,-23,25,81,true,Hedge,Buy index puts 1% notional,-9,9,BrokerD,MKT,92,Drift>tolerance,Hedge,Allocation drift beyond policy bands,9,-40,120,4,false,Monitor dispersion and breadth
P9329,Opportunistic,401k,USD,2025-09-23,795802,65861,729941,1.0,66.2,14.0,13.3,6.5,XLF:37.1%;GLD:37.1%;BND:25.9%,US:70.3;EU:14.9;APAC:7.5;EM:4.5;Other:2.9,Value:+0.1;Growth:+0.5;Quality:+0.2;Size:+1.0;Momentum:-0.6;LowVol:-0.5,NoDerivatives,6,25,6.1,hard 12%,167,30.0,Volatile,22.3,4.22,2.1,171,-52,19,68,false,Buy,Add to core equity +1%,7,-20,BrokerB,MKT,86,None,None,Normal monitoring,3,-13,-11,3,false,Monitor dispersion and breadth
P9330,Active,401k,USD,2025-02-20,1568420,153082,1415338,1.0,61.8,29.9,0.0,8.3,VNQ:33.3%;GLD:33.3%;BND:33.3%,US:63.3;EU:9.1;APAC:16.3;EM:9.5;Other:1.8,Value:0.0;Growth:-1.0;Quality:+0.1;Size:-0.3;Momentum:+0.8;LowVol:-0.3,NoDerivatives,10,25,4.1,hard 12%,212,26.1,Bear,33.2,3.81,2.2,181,-34,41,77,true,Reduce,"Cut high-beta by 2-3%, add cash",8,-32,BrokerD,LMT,100,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-21,-45,76,2,true,Increase defensive factor exposure
P9331,Cautious,IRA,USD,2025-02-12,155323,17152,138171,1.0,46.0,41.3,0.6,12.0,VOO:15.2%;TLT:18.6%;XLF:20.5%;BRK.B:11.7%;AAPL:13.4%;IEF:20.5%,US:62.1;EU:16.8;APAC:9.8;EM:7.7;Other:3.6,Value:-0.6;Growth:-0.1;Quality:-1.0;Size:-0.3;Momentum:-0.5;LowVol:-0.8,ESGOnly;MaxPos8%;NoMargin,5,30,3.8,trailing 8%,131,16.5,Bull,14.4,4.62,2.3,109,17,44,44,false,Rebalance,Shift +1% to bonds from equity,25,-13,BrokerC,MKT,90,None,None,Normal monitoring,16,-56,156,3,false,Tax-aware sells next window
P9332,Hands-off,Roth,USD,2025-07-28,803739,46977,756762,1.0,69.2,22.4,0.0,8.4,QQQ:16.3%;VOO:16.8%;VNQ:14.2%;HYG:21.1%;IEF:20.1%;BND:11.4%,US:75.1;EU:9.3;APAC:7.0;EM:6.9;Other:1.7,Value:-0.3;Growth:-0.6;Quality:+0.9;Size:-0.7;Momentum:+0.7;LowVol:-0.4,ESGOnly;MaxPos5%,7,35,4.7,trailing 10%,112,13.5,Sideways,15.4,4.6,3.3,135,20,48,45,false,Sell,Trim extended winner -1%,-12,-1,BrokerC,LMT,92,None,None,Normal monitoring,112,-34,227,5,false,Monitor dispersion and breadth
P9333,Systematic,Trust,USD,2025-05-23,1320889,125996,1194893,1.0,57.7,26.0,8.0,8.4,QQQ:13.5%;IEF:28.0%;AMZN:29.3%;VNQ:29.3%,US:68.8;EU:14.5;APAC:7.7;EM:5.1;Other:4.0,Value:-0.8;Growth:-0.1;Quality:+0.9;Size:+0.5;Momentum:+0.3;LowVol:+0.8,NoDerivatives,7,35,5.0,trailing 9%,202,21.5,Volatile,29.9,4.2,3.6,163,7,57,82,true,Hedge,Buy index puts 1% notional,16,-18,BrokerB,VWAP,92,RegimeShift,TightenStops,Volatility spike and breadth deterioration,-27,-41,77,5,true,Monitor dispersion and breadth
P9334,Active,Trust,USD,2025-08-17,2202341,162155,2040186,1.0,67.7,24.3,0.0,8.0,VNQ:29.4%;QQQ:14.3%;AMZN:26.9%;VOO:29.4%,US:59.3;EU:16.8;APAC:15.2;EM:3.7;Other:5.1,Value:-0.4;Growth:+0.8;Quality:+0.6;Size:+0.9;Momentum:+0.6;LowVol:+0.2,NoDerivatives,8,25,4.6,trailing 8%,191,27.2,Bull,12.1,3.93,2.8,116,88,100,34,true,Reduce,"Cut high-beta by 2-3%, add cash",28,-11,BrokerB,MKT,95,RegimeShift,TightenStops,Volatility spike and breadth deterioration,100,-44,169,2,false,Within IPS guidelines
P9335,Active,Roth,USD,2024-09-07,1489722,136742,1352980,1.13,68.0,22.6,3.7,5.7,VNQ:21.9%;QQQ:19.1%;TLT:15.3%;AMZN:21.9%;HYG:21.9%,US:58.9;EU:17.4;APAC:13.2;EM:6.9;Other:3.6,Value:+0.1;Growth:+0.3;Quality:+0.9;Size:+0.5;Momentum:-0.1;LowVol:+0.7,MaxPos8%,8,30,4.4,hard 12%,170,23.0,Bull,17.6,3.84,3.4,74,6,40,48,false,Buy,Add to core equity +1%,2,2,BrokerC,LMT,92,None,None,Normal monitoring,56,-57,157,3,false,Increase defensive factor exposure
P9336,Cautious,Trust,USD,2025-10-14,263082,24971,238111,1.0,39.4,41.0,7.3,12.2,IEF:22.2%;AMZN:22.2%;XLF:14.7%;MUB:18.7%;VTI:22.2%,US:69.1;EU:11.1;APAC:5.8;EM:10.3;Other:3.7,Value:0.0;Growth:-0.1;Quality:-0.1;Size:+0.1;Momentum:-0.8;LowVol:-1.0,ESGOnly;NoMargin,8,35,5.7,trailing 10%,165,13.8,Sideways,16.5,4.77,2.6,134,59,65,46,false,Sell,Trim extended winner -1%,31,-8,BrokerB,MKT,100,None,None,Normal monitoring,57,-42,166,4,false,Monitor dispersion and breadth
P9337,Systematic,Roth,USD,2024-08-04,580594,51559,529035,1.0,56.1,34.4,3.2,6.4,HYG:18.1%;MSFT:14.9%;BRK.B:21.0%;MUB:21.4%;TSLA:8.4%;IEF:16.1%,US:59.7;EU:10.8;APAC:15.1;EM:9.7;Other:4.7,Value:-0.4;Growth:-0.0;Quality:+0.2;Size:+0.2;Momentum:-0.8;LowVol:-0.0,MaxPos6%,7,25,5.4,trailing 9%,203,21.5,Bear,23.4,4.09,1.7,184,-78,14,53,false,Rebalance,Shift +1% to bonds from equity,30,9,BrokerB,MKT,95,None,None,Normal monitoring,37,0,156,4,false,Monitor dispersion and breadth
P9338,Active,Taxable,USD,2024-07-20,643702,57462,586240,1.0,54.5,25.1,11.0,9.4,VOO:21.7%;TSLA:22.4%;VTI:15.6%;MSFT:17.8%;AMZN:22.4%,US:63.1;EU:8.4;APAC:12.0;EM:12.9;Other:3.6,Value:-0.2;Growth:-0.5;Quality:+0.2;Size:-0.1;Momentum:+0.6;LowVol:+0.4,,8,30,4.5,trailing 9%,205,18.3,Bear,33.8,3.23,1.4,145,-25,48,76,true,Hedge,Buy index puts 1% notional,-7,-24,BrokerA,MKT,100,VAR>budget,Hedge,Risk above budget threshold,97,17,237,3,false,Monitor dispersion and breadth
P9339,Active,Roth,USD,2025-07-16,1106441,81352,1025089,1.0,68.4,26.7,0.0,4.9,VTI:19.8%;XLF:21.5%;MUB:21.5%;HYG:8.7%;IEF:14.7%;BND:13.9%,US:75.6;EU:5.9;APAC:11.9;EM:3.7;Other:2.9,Value:+0.7;Growth:0.0;Quality:+1.0;Size:-0.1;Momentum:+0.1;LowVol:-0.3,,5,35,5.4,hard 12%,216,23.1,Bull,13.6,4.83,3.4,113,3,57,48,false,NoAction,Within bands; monitor,27,-21,BrokerD,MKT,0,None,None,Normal monitoring,9,-6,87,4,false,Within IPS guidelines
P9340,Cautious,401k,USD,2024-11-21,790554,105350,685204,1.0,39.8,41.3,8.7,10.3,TSLA:27.9%;TLT:18.2%;QQQ:27.9%;BRK.B:25.9%,US:65.3;EU:9.9;APAC:10.6;EM:13.1;Other:1.1,Value:-0.3;Growth:-0.1;Quality:-0.4;Size:-0.6;Momentum:-0.6;LowVol:-0.8,ESGOnly;MaxPos8%;NoMargin,8,35,3.4,trailing 8%,163,14.6,Volatile,24.2,3.71,2.8,130,27,58,60,false,Rebalance,Shift +1% to bonds from equity,-7,-28,BrokerA,LMT,91,None,None,Normal monitoring,96,-23,208,4,false,Monitor dispersion and breadth
P9341,Cautious,IRA,USD,2024-09-21,230966,20687,210279,1.0,50.6,30.6,3.2,15.7,QQQ:33.3%;VTI:33.3%;AMZN:33.3%,US:65.1;EU:13.3;APAC:13.6;EM:3.1;Other:4.9,Value:-0.1;Growth:+0.4;Quality:+0.1;Size:-0.5;Momentum:-0.5;LowVol:+0.3,NoMargin,6,35,3.1,trailing 8%,155,13.2,Bull,13.5,4.13,2.1,79,62,77,34,false,Rebalance,Shift +1% to bonds from equity,21,-21,BrokerD,LMT,99,None,None,Normal monitoring,116,-5,171,4,false,Tighten stops on momentum names
P9342,Cautious,Roth,USD,2024-11-16,655287,59974,595313,1.0,51.2,37.1,0.0,11.7,VOO:31.3%;AAPL:31.3%;TSLA:17.0%;VNQ:20.4%,US:59.5;EU:19.4;APAC:10.9;EM:9.9;Other:0.3,Value:+0.6;Growth:+1.0;Quality:+0.3;Size:-0.6;Momentum:-0.1;LowVol:-0.6,ESGOnly;MaxPos8%;NoDerivatives;NoMargin,7,35,5.5,trailing 10%,140,19.0,Bear,33.1,4.14,1.3,213,23,57,80,true,Rebalance,Rebalance back to target bands,-5,-11,BrokerD,MKT,97,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-7,-52,107,2,false,Monitor dispersion and breadth
P9343,Active,Taxable,USD,2024-08-06,1106862,127570,979292,1.25,53.3,29.4,7.6,9.7,MUB:22.7%;TLT:22.7%;QQQ:15.1%;AMZN:16.8%;VNQ:22.7%,US:55.9;EU:14.5;APAC:14.5;EM:12.7;Other:2.4,Value:-0.3;Growth:-0.5;Quality:-0.7;Size:-0.7;Momentum:+0.9;LowVol:+1.0,NoDerivatives,6,30,4.2,trailing 9%,196,25.1,Bull,11.3,3.52,3.5,98,113,93,27,false,Hedge,Add TLT +1% as duration hedge,10,-7,BrokerC,MKT,96,None,None,Normal monitoring,-26,-31,49,3,false,Increase defensive factor exposure
P9344,Hands-off,Taxable,USD,2025-06-29,312002,27542,284460,1.0,57.8,18.2,14.7,9.4,QQQ:24.1%;BND:24.1%;TLT:10.0%;IEF:19.8%;VNQ:22.0%,US:69.9;EU:6.4;APAC:13.1;EM:7.1;Other:3.5,Value:+1.0;Growth:-0.0;Quality:-0.9;Size:+0.7;Momentum:+0.5;LowVol:+0.5,MaxPos6%;NoDerivatives,6,30,5.1,trailing 8%,137,16.2,Sideways,18.3,3.98,2.2,105,36,54,41,true,Hedge,Buy index puts 1% notional,16,-32,BrokerC,MKT,88,Drift>tolerance,Pause,Allocation drift beyond policy bands,36,-7,64,3,false,Tighten stops on momentum names
P9345,Active,Trust,USD,2024-07-13,788065,52355,735710,1.0,57.6,30.2,4.1,8.1,HYG:26.1%;AMZN:26.1%;MSFT:26.1%;VOO:21.7%,US:63.2;EU:13.8;APAC:8.4;EM:9.8;Other:4.8,Value:+0.7;Growth:-0.6;Quality:-0.6;Size:+0.7;Momentum:+0.3;LowVol:-0.5,MaxPos8%,6,30,6.0,trailing 8%,217,23.0,Sideways,14.1,4.02,3.1,99,-6,47,49,false,Sell,Trim extended winner -1%,-6,-29,BrokerC,MKT,100,None,None,Normal monitoring,82,-41,80,4,false,Tighten stops on momentum names
P9346,Opportunistic,Trust,USD,2025-06-11,1107702,51000,1056702,1.0,70.8,15.9,5.2,8.1,XLF:25.0%;BND:25.0%;HYG:25.0%;BRK.B:25.0%,US:67.2;EU:11.5;APAC:11.3;EM:7.1;Other:3.0,Value:-0.3;Growth:-0.5;Quality:-0.2;Size:-0.2;Momentum:-1.0;LowVol:-0.4,,7,30,5.1,hard 12%,266,23.4,Volatile,25.4,3.88,4.1,159,-4,45,74,true,Hedge,Buy index puts 1% notional,24,-11,BrokerC,MKT,97,VAR>budget,Reduce,Risk above budget threshold,-10,12,60,4,false,Within IPS guidelines
P9347,Hands-off,IRA,USD,2025-04-19,350567,29824,320743,1.0,57.7,15.7,20.6,6.0,VTI:22.5%;MUB:7.6%;BND:12.6%;TSLA:20.2%;AAPL:14.7%;QQQ:22.5%,US:68.7;EU:7.7;APAC:9.0;EM:8.7;Other:5.8,Value:+0.1;Growth:-0.5;Quality:-0.7;Size:-0.3;Momentum:+0.9;LowVol:+0.3,ESGOnly;MaxPos6%,6,25,3.3,hard 10%,136,12.3,Bull,16.0,4.73,2.2,93,82,88,39,false,Sell,Trim extended winner -1%,-2,-7,BrokerA,MKT,92,None,None,Normal monitoring,-34,-51,38,4,false,Increase defensive factor exposure
P9348,Systematic,Roth,USD,2024-07-07,1421925,141439,1280486,1.0,56.5,33.0,3.6,6.9,BRK.B:36.6%;VTI:26.7%;AMZN:36.6%,US:69.5;EU:14.6;APAC:7.0;EM:4.1;Other:4.7,Value:+0.8;Growth:+0.3;Quality:+0.3;Size:+0.8;Momentum:0.0;LowVol:-0.4,MaxPos8%;NoDerivatives,7,35,4.4,trailing 8%,176,20.2,Bull,15.1,3.87,2.1,110,112,100,37,false,Buy,Add to core equity +1%,20,-16,BrokerC,MKT,94,None,None,Normal monitoring,85,-38,211,4,false,Monitor dispersion and breadth
P9349,Cautious,Trust,USD,2025-07-28,755485,111502,643983,1.0,42.9,39.2,1.4,16.5,HYG:21.6%;MSFT:21.6%;TLT:12.0%;AAPL:18.3%;GLD:10.7%;TSLA:15.8%,US:59.5;EU:21.8;APAC:8.6;EM:6.0;Other:4.0,Value:-0.6;Growth:+0.8;Quality:+0.8;Size:+0.2;Momentum:+0.7;LowVol:-0.4,NoDerivatives;NoMargin,6,35,4.7,hard 10%,163,15.5,Volatile,23.8,5.38,2.7,158,77,81,54,false,Rebalance,Shift +1% to bonds from equity,-11,-33,BrokerA,LMT,87,None,None,Normal monitoring,58,10,163,4,false,Monitor dispersion and breadth
P9350,Cautious,IRA,USD,2024-08-25,493423,76089,417334,1.0,47.6,39.9,0.0,12.5,XLF:22.0%;VTI:11.9%;GLD:22.0%;BRK.B:22.0%;AMZN:22.0%,US:73.8;EU:10.0;APAC:9.6;EM:5.9;Other:0.7,Value:+0.3;Growth:-0.3;Quality:-0.6;Size:-0.6;Momentum:-0.8;LowVol:-0.7,NoDerivatives;NoMargin,10,25,3.9,trailing 10%,130,17.2,Bear,26.1,3.09,1.8,158,12,51,63,false,Buy,Add to core equity +1%,3,-21,BrokerD,VWAP,87,None,None,Normal monitoring,50,-20,44,5,false,Tighten stops on momentum names
P9351,Systematic,401k,USD,2025-03-15,817742,35633,782109,1.0,58.2,24.2,10.0,7.6,TLT:28.4%;GLD:28.4%;QQQ:14.7%;BND:28.4%,US:60.8;EU:14.7;APAC:13.0;EM:7.6;Other:3.9,Value:+0.1;Growth:+0.7;Quality:+1.0;Size:-0.7;Momentum:-0.7;LowVol:+0.2,,10,25,4.4,trailing 8%,151,25.1,Volatile,22.1,4.22,3.7,137,78,84,67,false,Rebalance,Shift +1% to bonds from equity,35,-9,BrokerD,LMT,98,None,None,Normal monitoring,-48,-13,91,3,false,Within IPS guidelines
P9352,Opportunistic,Taxable,USD,2024-09-10,915535,65218,850317,1.0,61.2,20.8,12.8,5.2,MUB:27.6%;IEF:27.6%;AAPL:17.3%;HYG:27.6%,US:71.6;EU:7.5;APAC:10.1;EM:9.3;Other:1.5,Value:+0.6;Growth:-0.8;Quality:-0.8;Size:-0.6;Momentum:+0.2;LowVol:-0.8,MaxPos8%,10,30,4.8,hard 12%,253,25.6,Sideways,14.8,4.52,2.1,139,34,72,52,false,Hedge,Add TLT +1% as duration hedge,-3,13,BrokerA,VWAP,87,None,None,Normal monitoring,115,-24,140,3,false,Tighten stops on momentum names
P9353,Hands-off,IRA,USD,2024-07-15,212990,20140,192850,1.0,64.6,24.3,3.2,7.8,VOO:23.4%;AAPL:12.1%;GLD:17.8%;XLF:23.4%;BND:23.4%,US:64.6;EU:11.4;APAC:9.5;EM:9.8;Other:4.7,Value:+1.0;Growth:+0.3;Quality:-0.2;Size:+0.8;Momentum:+0.8;LowVol:+0.7,MaxPos8%;NoDerivatives,8,35,4.6,hard 10%,166,14.8,Bull,11.4,4.69,2.6,93,72,99,45,false,Rebalance,Shift +1% to bonds from equity,-10,-35,BrokerD,LMT,95,None,None,Normal monitoring,-36,-41,-17,3,false,Increase defensive factor exposure
P9354,Active,Taxable,USD,2025-10-26,1577886,113280,1464606,1.0,54.5,29.4,9.2,6.9,VTI:22.4%;MUB:25.9%;BRK.B:25.9%;VNQ:25.9%,US:63.6;EU:12.3;APAC:13.9;EM:9.6;Other:0.5,Value:-0.8;Growth:+0.6;Quality:-0.6;Size:-0.8;Momentum:+0.9;LowVol:+0.7,,7,25,5.4,hard 12%,179,20.6,Volatile,23.0,4.54,2.6,132,12,69,48,false,Sell,Trim extended winner -1%,7,-39,BrokerC,LMT,87,None,None,Normal monitoring,36,7,153,5,false,Increase defensive factor exposure
P9355,Active,IRA,USD,2024-11-04,626079,48128,577951,1.0,54.9,25.5,14.2,5.4,VNQ:33.3%;TLT:33.3%;VOO:33.3%,US:59.8;EU:19.8;APAC:7.3;EM:11.3;Other:1.7,Value:-0.0;Growth:+0.1;Quality:+0.5;Size:-1.0;Momentum:+0.7;LowVol:-0.3,,8,30,4.5,trailing 8%,141,19.7,Bear,32.5,4.29,2.5,145,-33,29,82,true,Reduce,"Cut high-beta by 2-3%, add cash",29,4,BrokerB,VWAP,100,VAR>budget,Hedge,Risk above budget threshold,27,8,52,2,true,Monitor dispersion and breadth
P9356,Opportunistic,Roth,USD,2025-12-02,1142988,69731,1073257,1.0,72.0,18.9,0.6,8.5,TLT:33.3%;HYG:33.3%;BND:33.3%,US:72.3;EU:9.8;APAC:12.2;EM:4.7;Other:1.0,Value:+0.7;Growth:+0.7;Quality:+0.8;Size:+0.4;Momentum:+0.1;LowVol:+0.3,MaxPos6%,7,30,5.6,trailing 7%,233,24.1,Bull,11.9,4.08,2.7,84,16,55,56,false,Rebalance,Shift +1% to bonds from equity,8,-31,BrokerB,LMT,91,None,None,Normal monitoring,10,-50,92,4,false,Tax-aware sells next window
P9357,Hands-off,Taxable,USD,2025-06-17,612431,53482,558949,1.0,57.6,24.2,9.2,9.0,VNQ:8.6%;BRK.B:22.3%;AAPL:18.8%;AMZN:15.4%;GLD:22.3%;VTI:12.6%,US:76.1;EU:12.8;APAC:5.8;EM:5.1;Other:0.2,Value:+0.7;Growth:-0.6;Quality:+1.0;Size:-0.5;Momentum:+0.4;LowVol:-0.3,MaxPos5%,6,35,3.0,trailing 8%,125,18.5,Bull,14.7,4.91,2.5,93,33,71,33,false,Sell,Trim extended winner -1%,-3,-32,BrokerC,LMT,85,None,None,Normal monitoring,24,-17,154,3,false,Increase defensive factor exposure
P9358,Systematic,401k,USD,2025-03-04,443156,31428,411728,1.0,65.2,23.6,2.8,8.4,MUB:19.7%;XLF:20.3%;QQQ:20.3%;TLT:14.1%;VOO:13.8%;IEF:11.8%,US:65.0;EU:15.5;APAC:10.4;EM:5.4;Other:3.8,Value:+0.8;Growth:+0.7;Quality:+0.4;Size:-0.3;Momentum:+0.5;LowVol:-0.7,,6,35,5.6,trailing 8%,186,18.7,Sideways,14.3,4.08,3.0,139,17,63,50,false,Buy,Add to core equity +1%,5,-36,BrokerD,LMT,86,None,None,Normal monitoring,107,-23,118,5,false,Increase defensive factor exposure
P9359,Active,Taxable,USD,2025-11-24,2408704,172891,2235813,1.0,60.6,29.5,4.0,5.9,AAPL:33.3%;QQQ:33.3%;AMZN:33.3%,US:69.4;EU:6.2;APAC:9.2;EM:11.5;Other:3.7,Value:-0.1;Growth:-0.5;Quality:-0.7;Size:+0.5;Momentum:+0.8;LowVol:-0.9,MaxPos5%,6,25,5.6,hard 12%,168,19.0,Bull,14.3,3.63,2.7,100,6,68,49,false,Buy,Add to core equity +1%,11,-34,BrokerD,MKT,92,None,None,Normal monitoring,113,-3,195,3,false,Monitor dispersion and breadth
P9360,Hands-off,Roth,USD,2024-09-15,820480,34607,785873,1.0,64.5,27.8,0.0,7.7,VTI:13.8%;TLT:22.5%;AMZN:19.5%;TSLA:22.5%;BRK.B:21.7%,US:65.4;EU:18.0;APAC:10.8;EM:5.8;Other:0.0,Value:+0.8;Growth:-0.7;Quality:-0.6;Size:-0.3;Momentum:-0.2;LowVol:+0.9,ESGOnly;MaxPos8%,10,30,4.6,trailing 8%,139,14.6,Volatile,30.4,4.51,2.8,150,47,80,87,true,Hedge,Buy index puts 1% notional,-1,3,BrokerD,LMT,87,Drift>tolerance,Hedge,Allocation drift beyond policy bands,101,-55,111,5,false,Tax-aware sells next window
P9361,Cautious,Roth,USD,2025-09-11,606219,56317,549902,1.0,40.9,42.9,3.3,13.0,AMZN:15.4%;GLD:23.1%;HYG:23.1%;XLF:23.1%;VTI:15.3%,US:62.2;EU:19.5;APAC:8.9;EM:6.9;Other:2.5,Value:+0.1;Growth:+0.3;Quality:-0.6;Size:-0.5;Momentum:+0.2;LowVol:-1.0,ESGOnly;MaxPos5%;NoMargin,6,35,4.1,trailing 10%,140,12.7,Volatile,25.9,4.07,3.6,154,18,48,56,false,Buy,Add to core equity +1%,10,8,BrokerD,MKT,87,None,None,Normal monitoring,46,-27,79,4,false,Within IPS guidelines
P9362,Systematic,IRA,USD,2025-01-05,570938,34811,536127,1.0,61.6,29.1,0.0,9.3,BRK.B:33.3%;VOO:33.3%;BND:33.3%,US:71.7;EU:7.5;APAC:7.7;EM:9.8;Other:3.4,Value:-0.6;Growth:-0.8;Quality:+0.8;Size:-0.9;Momentum:+0.6;LowVol:+1.0,NoDerivatives,5,25,4.6,trailing 9%,129,27.9,Volatile,30.7,3.63,2.4,159,69,99,84,true,Hedge,Buy index puts 1% notional,32,3,BrokerA,MKT,89,Drift>tolerance,Hedge,Allocation drift beyond policy bands,71,-47,81,5,false,Monitor dispersion and breadth
P9363,Hands-off,Trust,USD,2024-08-08,887604,85106,802498,1.0,63.9,27.5,0.0,8.6,TSLA:28.0%;VOO:28.0%;HYG:15.9%;AAPL:28.0%,US:65.2;EU:15.0;APAC:10.7;EM:6.2;Other:2.8,Value:-0.9;Growth:-1.0;Quality:-0.4;Size:-1.0;Momentum:-0.6;LowVol:+0.3,MaxPos7%,5,35,5.7,trailing 8%,93,16.8,Sideways,20.8,4.76,2.1,102,1,51,51,false,Rebalance,Shift +1% to bonds from equity,3,-8,BrokerC,LMT,85,None,None,Normal monitoring,23,-28,105,4,false,Monitor dispersion and breadth
P9364,Opportunistic,401k,USD,2024-09-06,334836,10347,324489,1.0,68.6,13.8,10.9,6.7,HYG:24.8%;BND:12.7%;VNQ:21.2%;QQQ:24.8%;AAPL:16.5%,US:66.9;EU:11.5;APAC:11.0;EM:9.1;Other:1.7,Value:+0.9;Growth:+0.9;Quality:+0.7;Size:+0.8;Momentum:-1.0;LowVol:-1.0,NoDerivatives,10,25,4.3,trailing 7%,243,34.4,Bear,28.7,4.28,2.6,176,-21,31,79,true,Reduce,"Cut high-beta by 2-3%, add cash",29,-40,BrokerA,LMT,89,Drift>tolerance,Reduce,Allocation drift beyond policy bands,115,-20,246,5,false,Tax-aware sells next window
P9365,Active,401k,USD,2025-09-21,1268255,145488,1122767,1.09,52.7,32.0,7.6,7.7,VOO:21.9%;BRK.B:21.9%;TSLA:19.3%;TLT:17.0%;BND:20.0%,US:64.7;EU:10.4;APAC:12.4;EM:12.5;Other:0.1,Value:-0.3;Growth:-0.7;Quality:+0.6;Size:+0.4;Momentum:+0.5;LowVol:-0.2,,10,35,5.5,hard 12%,191,21.0,Volatile,26.7,4.97,3.5,111,-56,13,69,false,Sell,Trim extended winner -1%,19,-12,BrokerC,MKT,86,None,None,Normal monitoring,34,-29,52,5,false,Increase defensive factor exposure
P9366,Hands-off,Trust,USD,2025-11-16,556400,39902,516498,1.0,56.7,17.2,21.0,5.1,AMZN:23.0%;MSFT:23.0%;GLD:23.0%;MUB:15.2%;VTI:15.8%,US:67.2;EU:17.0;APAC:8.2;EM:4.7;Other:2.9,Value:-0.3;Growth:-0.9;Quality:+0.4;Size:-1.0;Momentum:-0.8;LowVol:+0.9,ESGOnly,7,30,3.9,trailing 8%,101,13.8,Bear,22.3,4.49,2.2,214,-86,5,61,false,NoAction,Within bands; monitor,-3,-13,BrokerC,LMT,85,None,None,Normal monitoring,-44,-10,-48,4,false,Within IPS guidelines
P9367,Active,401k,USD,2025-12-16,2248643,183366,2065277,1.0,51.9,23.7,17.5,6.9,XLF:22.5%;AAPL:22.5%;BRK.B:22.5%;AMZN:13.0%;MUB:19.6%,US:65.6;EU:7.0;APAC:11.6;EM:12.1;Other:3.6,Value:-0.3;Growth:+0.5;Quality:-0.9;Size:+0.1;Momentum:0.0;LowVol:-0.5,,5,35,5.2,hard 12%,144,18.7,Sideways,15.1,4.37,2.5,96,31,79,47,false,Buy,Add to core equity +1%,-4,6,BrokerC,MKT,89,None,None,Normal monitoring,115,-41,206,4,false,Tighten stops on momentum names
P9368,Cautious,IRA,USD,2024-09-02,291101,41107,249994,1.0,46.7,37.6,0.0,15.7,TLT:22.4%;XLF:16.1%;VNQ:22.4%;VOO:22.4%;GLD:16.8%,US:65.5;EU:16.5;APAC:11.2;EM:6.4;Other:0.4,Value:+0.4;Growth:+0.3;Quality:+0.6;Size:-0.5;Momentum:-0.4;LowVol:+0.5,NoMargin,7,30,6.0,trailing 8%,143,14.8,Bear,25.5,3.85,1.5,203,-91,15,59,false,Sell,Trim extended winner -1%,27,-34,BrokerD,VWAP,86,None,None,Normal monitoring,118,-59,111,4,false,Tax-aware sells next window
P9369,Cautious,IRA,USD,2024-10-03,609467,53135,556332,1.0,47.7,38.8,0.0,13.5,IEF:21.3%;VOO:15.4%;MUB:20.6%;HYG:21.3%;AMZN:21.3%,US:59.9;EU:16.1;APAC:10.1;EM:8.9;Other:5.0,Value:+0.5;Growth:-0.7;Quality:-0.1;Size:+0.9;Momentum:+0.4;LowVol:-0.5,MaxPos6%;NoDerivatives;NoMargin,6,30,3.6,trailing 8%,124,16.2,Bull,17.3,3.92,3.3,117,20,58,42,true,Hedge,Buy index puts 1% notional,3,-38,BrokerD,LMT,88,VAR>budget,Reduce,Risk above budget threshold,18,-31,145,5,false,Monitor dispersion and breadth
P9370,Systematic,Taxable,USD,2025-11-21,923168,91157,832011,1.0,61.0,26.2,3.9,8.8,QQQ:25.2%;XLF:18.5%;IEF:19.7%;VNQ:11.4%;AAPL:25.2%,US:59.3;EU:14.9;APAC:10.6;EM:10.2;Other:5.1,Value:-0.5;Growth:+0.4;Quality:0.0;Size:-0.8;Momentum:-0.1;LowVol:-0.2,MaxPos5%,5,35,5.2,trailing 8%,189,21.8,Volatile,21.2,3.87,4.4,129,23,67,50,false,Sell,Trim extended winner -1%,31,-27,BrokerD,MKT,89,None,None,Normal monitoring,15,-33,3,4,false,Tax-aware sells next window
P9371,Active,IRA,USD,2025-02-08,2070510,188128,1882382,1.0,57.0,27.3,7.7,8.0,VNQ:16.7%;MUB:22.5%;AMZN:22.5%;MSFT:15.9%;HYG:22.5%,US:57.9;EU:17.3;APAC:12.1;EM:8.4;Other:4.2,Value:+0.2;Growth:+0.1;Quality:-0.9;Size:+0.3;Momentum:-0.6;LowVol:+0.5,MaxPos7%;NoDerivatives,6,25,5.2,trailing 9%,225,18.1,Volatile,31.6,5.49,4.2,143,28,53,74,true,Reduce,"Cut high-beta by 2-3%, add cash",20,-31,BrokerC,MKT,97,RegimeShift,Pause,Volatility spike and breadth deterioration,107,-41,105,5,false,Tighten stops on momentum names
P9372,Hands-off,IRA,USD,2025-01-07,850517,71749,778768,1.0,64.6,26.5,0.0,8.9,VOO:32.0%;GLD:34.0%;VNQ:34.0%,US:71.6;EU:10.1;APAC:8.8;EM:4.7;Other:4.8,Value:+0.2;Growth:+0.7;Quality:+0.5;Size:+0.1;Momentum:-0.0;LowVol:-0.8,ESGOnly;MaxPos6%,10,30,5.5,trailing 10%,150,12.3,Bear,23.3,3.92,1.4,160,15,67,62,false,Rebalance,Shift +1% to bonds from equity,-14,15,BrokerB,LMT,99,None,None,Normal monitoring,17,-57,125,3,false,Within IPS guidelines
P9373,Active,IRA,USD,2025-11-10,1812207,156605,1655602,1.0,57.8,26.4,8.0,7.8,BND:25.3%;AMZN:24.1%;GLD:25.3%;TLT:25.3%,US:70.6;EU:7.0;APAC:9.6;EM:6.2;Other:6.7,Value:+0.8;Growth:-0.1;Quality:+0.2;Size:-0.0;Momentum:-0.5;LowVol:-0.8,MaxPos8%;NoDerivatives,8,30,5.5,hard 12%,194,18.1,Sideways,19.4,4.46,2.1,120,39,58,53,false,Buy,Add to core equity +1%,-5,-8,BrokerC,MKT,99,None,None,Normal monitoring,12,-28,-25,3,false,Increase defensive factor exposure
P9374,Systematic,Taxable,USD,2025-10-22,1797725,141123,1656602,1.0,61.5,31.2,0.0,7.3,HYG:23.1%;VOO:28.1%;QQQ:20.8%;AMZN:28.1%,US:71.7;EU:6.9;APAC:8.3;EM:10.6;Other:2.5,Value:-0.7;Growth:-0.9;Quality:-0.4;Size:+0.4;Momentum:+0.2;LowVol:+0.6,MaxPos6%;NoDerivatives,7,35,4.8,trailing 8%,223,22.8,Volatile,26.9,5.1,2.0,132,-31,27,69,false,Hedge,Add TLT +1% as duration hedge,17,5,BrokerC,MKT,91,None,None,Normal monitoring,76,-30,206,5,false,Within IPS guidelines
P9375,Hands-off,Trust,USD,2024-10-16,542131,32245,509886,1.0,65.7,24.0,5.2,5.1,MUB:28.0%;TSLA:21.9%;XLF:22.0%;AAPL:28.0%,US:68.4;EU:12.7;APAC:7.0;EM:9.0;Other:3.0,Value:-0.4;Growth:+0.8;Quality:-0.5;Size:-0.7;Momentum:+0.2;LowVol:+1.0,ESGOnly;MaxPos5%,8,25,5.4,trailing 8%,101,14.1,Volatile,26.9,5.31,3.6,117,-20,33,65,false,Sell,Trim extended winner -1%,0,-16,BrokerB,LMT,86,None,None,Normal monitoring,61,-19,121,3,false,Within IPS guidelines
P9376,Opportunistic,Roth,USD,2024-09-04,417424,14568,402856,1.0,60.1,19.7,11.2,9.0,MSFT:24.7%;MUB:23.1%;IEF:26.1%;TLT:26.1%,US:60.3;EU:17.9;APAC:11.9;EM:5.2;Other:4.7,Value:+0.2;Growth:0.0;Quality:-0.8;Size:-0.4;Momentum:+0.7;LowVol:+0.3,,7,25,6.9,trailing 9%,217,28.3,Volatile,31.6,4.47,4.2,138,-9,51,80,true,Hedge,Buy index puts 1% notional,16,-39,BrokerA,LMT,93,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-52,-26,8,5,false,Tighten stops on momentum names
P9377,Hands-off,Roth,USD,2025-04-25,779359,39782,739577,1.0,66.0,26.8,0.0,7.2,BRK.B:21.8%;VNQ:26.1%;TLT:26.1%;AMZN:26.1%,US:75.6;EU:8.8;APAC:8.5;EM:5.5;Other:1.5,Value:+0.3;Growth:-0.2;Quality:-0.9;Size:-0.2;Momentum:+0.6;LowVol:+0.2,,6,25,5.7,trailing 8%,164,13.8,Bear,26.9,3.75,1.6,194,-100,14,82,true,Hedge,Buy index puts 1% notional,2,-21,BrokerD,MKT,100,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-24,18,29,3,false,Monitor dispersion and breadth
P9378,Opportunistic,401k,USD,2024-08-30,724579,61981,662598,1.0,70.8,18.9,5.2,5.1,BND:26.0%;TLT:26.0%;VOO:26.0%;QQQ:22.1%,US:71.6;EU:7.7;APAC:14.3;EM:4.1;Other:2.3,Value:+0.7;Growth:-0.6;Quality:0.0;Size:+0.9;Momentum:+0.4;LowVol:-0.4,,8,35,4.3,trailing 7%,181,27.6,Bull,12.4,4.39,2.1,88,74,82,42,false,Hedge,Add TLT +1% as duration hedge,23,-24,BrokerD,VWAP,97,None,None,Normal monitoring,92,-18,140,5,false,Tax-aware sells next window
P9379,Cautious,401k,USD,2025-06-26,619651,69879,549772,1.0,44.3,30.0,9.8,15.8,GLD:19.6%;VNQ:11.0%;IEF:23.1%;VOO:23.1%;TLT:23.1%,US:62.4;EU:14.5;APAC:10.6;EM:9.0;Other:3.5,Value:-0.6;Growth:+0.4;Quality:-1.0;Size:+0.6;Momentum:-0.7;LowVol:+0.2,MaxPos5%;NoMargin,6,30,5.8,hard 10%,104,18.2,Volatile,23.7,4.45,3.2,134,-43,39,44,false,Rebalance,Shift +1% to bonds from equity,9,-35,BrokerC,MKT,94,None,None,Normal monitoring,26,0,93,3,false,Increase defensive factor exposure
P9380,Opportunistic,401k,USD,2025-03-27,1099303,36674,1062629,1.0,73.1,20.1,2.3,4.6,AMZN:24.7%;TLT:27.1%;BND:27.1%;XLF:21.2%,US:65.8;EU:14.6;APAC:7.6;EM:9.6;Other:2.3,Value:+0.7;Growth:-0.6;Quality:-0.1;Size:-0.5;Momentum:+0.6;LowVol:+0.7,MaxPos6%,6,25,6.5,trailing 7%,206,24.9,Volatile,26.9,5.44,4.0,150,37,53,87,true,Hedge,Buy index puts 1% notional,-6,-29,BrokerB,LMT,91,Drift>tolerance,Hedge,Allocation drift beyond policy bands,20,-44,148,2,true,Increase defensive factor exposure
P9381,Cautious,Roth,USD,2025-08-23,890932,102017,788915,1.0,47.2,38.3,0.0,14.5,GLD:22.9%;HYG:7.0%;TLT:22.9%;BND:8.2%;MSFT:22.9%;VOO:16.0%,US:69.3;EU:12.0;APAC:11.9;EM:5.2;Other:1.7,Value:+0.3;Growth:-0.5;Quality:-0.1;Size:-0.4;Momentum:-0.3;LowVol:+0.2,NoMargin,10,35,4.4,trailing 8%,123,18.9,Bull,13.6,4.75,2.2,109,70,87,26,true,Reduce,"Cut high-beta by 2-3%, add cash",30,15,BrokerA,MKT,85,Drift>tolerance,Hedge,Allocation drift beyond policy bands,1,18,-3,4,false,Tax-aware sells next window
P9382,Hands-off,Roth,USD,2025-05-29,166176,11651,154525,1.0,61.9,27.1,4.7,6.3,QQQ:35.0%;BRK.B:30.0%;VTI:35.0%,US:63.1;EU:16.1;APAC:13.5;EM:5.2;Other:2.0,Value:+0.9;Growth:+0.6;Quality:+0.9;Size:-1.0;Momentum:+0.5;LowVol:+0.8,ESGOnly;NoDerivatives,10,35,6.0,hard 10%,152,17.3,Sideways,20.4,3.76,2.3,111,-24,40,63,false,NoAction,Within bands; monitor,-3,3,BrokerC,LMT,97,None,None,Normal monitoring,31,-60,128,5,false,Tax-aware sells next window
P9383,Cautious,Roth,USD,2025-09-15,506639,77868,428771,1.0,35.4,43.3,5.2,16.2,MUB:33.3%;VNQ:33.3%;QQQ:33.3%,US:69.7;EU:8.0;APAC:6.4;EM:12.0;Other:4.0,Value:-0.3;Growth:+0.4;Quality:+0.9;Size:+0.8;Momentum:+0.2;LowVol:+0.3,NoMargin,8,35,4.0,hard 10%,104,18.9,Volatile,20.6,3.72,4.4,171,-18,43,41,false,Buy,Add to core equity +1%,3,0,BrokerD,MKT,88,None,None,Normal monitoring,-58,-26,-3,4,false,Tighten stops on momentum names
P9384,Cautious,Roth,USD,2025-03-31,312992,48658,264334,1.0,38.2,30.4,15.7,15.7,TLT:22.4%;TSLA:15.0%;VOO:24.0%;BRK.B:24.0%;IEF:14.5%,US:68.3;EU:16.6;APAC:7.7;EM:5.9;Other:1.4,Value:+0.8;Growth:-0.6;Quality:+0.6;Size:-0.6;Momentum:+0.9;LowVol:-1.0,ESGOnly;MaxPos6%;NoDerivatives;NoMargin,6,35,4.8,trailing 8%,95,13.2,Sideways,20.4,4.05,3.3,91,9,41,37,false,Rebalance,Shift +1% to bonds from equity,1,8,BrokerC,MKT,88,None,None,Normal monitoring,41,-32,96,3,false,Within IPS guidelines
P9385,Cautious,Roth,USD,2025-08-30,531739,56163,475576,1.0,46.7,37.6,3.7,12.0,HYG:33.3%;BND:33.3%;TLT:33.3%,US:63.8;EU:16.8;APAC:11.9;EM:4.3;Other:3.1,Value:+0.4;Growth:-0.6;Quality:+0.6;Size:-0.2;Momentum:+0.4;LowVol:+0.2,ESGOnly;NoDerivatives;NoMargin,6,25,5.0,trailing 10%,163,19.3,Sideways,20.1,3.9,2.6,94,47,66,57,false,Sell,Trim extended winner -1%,-10,-28,BrokerA,MKT,100,None,None,Normal monitoring,-43,15,89,5,false,Tax-aware sells next window
P9386,Systematic,Roth,USD,2024-11-28,1301483,90588,1210895,1.0,57.9,29.8,4.4,8.0,QQQ:22.7%;HYG:22.7%;VNQ:22.7%;IEF:11.7%;TLT:9.5%;BND:10.8%,US:63.2;EU:11.5;APAC:9.3;EM:11.3;Other:4.6,Value:+0.4;Growth:-0.9;Quality:-0.0;Size:-0.2;Momentum:+0.1;LowVol:+0.4,MaxPos8%;NoDerivatives,5,35,4.1,hard 12%,163,19.9,Bear,28.3,3.12,2.2,158,9,53,62,false,Buy,Add to core equity +1%,30,-27,BrokerA,LMT,99,None,None,Normal monitoring,39,-23,154,4,false,Tax-aware sells next window
P9387,Active,IRA,USD,2025-08-16,2323704,202617,2121087,1.0,51.2,18.0,23.9,6.9,BRK.B:26.6%;AAPL:10.2%;GLD:26.6%;HYG:9.9%;XLF:26.6%,US:63.1;EU:12.4;APAC:11.5;EM:12.0;Other:1.0,Value:+0.9;Growth:-0.4;Quality:+0.8;Size:-0.1;Momentum:-0.3;LowVol:+0.1,MaxPos5%,10,30,5.5,trailing 9%,179,19.9,Volatile,22.5,4.49,3.7,177,16,67,53,false,Buy,Add to core equity +1%,28,-33,BrokerC,LMT,90,None,None,Normal monitoring,100,-17,81,3,false,Within IPS guidelines
P9388,Hands-off,IRA,USD,2025-11-12,448070,35961,412109,1.0,64.1,25.2,5.5,5.1,TLT:25.0%;GLD:25.0%;VNQ:25.0%;AMZN:25.0%,US:59.8;EU:9.7;APAC:14.4;EM:11.2;Other:4.9,Value:-0.7;Growth:+0.3;Quality:-0.9;Size:-0.5;Momentum:-0.8;LowVol:+0.1,ESGOnly,6,30,4.2,trailing 8%,104,13.1,Bear,29.1,3.93,1.5,142,-13,55,71,true,Hedge,Buy index puts 1% notional,17,-4,BrokerA,LMT,91,Drift>tolerance,Reduce,Allocation drift beyond policy bands,2,13,74,4,false,Increase defensive factor exposure
P9389,Cautious,Roth,USD,2025-01-20,272531,39567,232964,1.0,49.2,35.4,0.0,15.4,AMZN:13.6%;IEF:24.3%;VOO:24.3%;BND:15.3%;MSFT:22.4%,US:68.5;EU:7.9;APAC:11.4;EM:8.6;Other:3.6,Value:-0.8;Growth:+0.9;Quality:+0.9;Size:+0.7;Momentum:-1.0;LowVol:-0.5,MaxPos5%;NoMargin,10,30,3.6,trailing 10%,166,14.7,Bull,16.9,4.52,2.5,117,58,85,33,false,NoAction,Within bands; monitor,19,-22,BrokerD,MKT,0,None,None,Normal monitoring,-16,-19,-47,3,false,Monitor dispersion and breadth
P9390,Cautious,IRA,USD,2025-08-20,759434,79441,679993,1.0,42.6,39.2,2.9,15.3,GLD:23.6%;VNQ:18.1%;AMZN:11.1%;IEF:23.6%;TSLA:23.6%,US:63.4;EU:13.2;APAC:14.5;EM:3.6;Other:5.3,Value:+0.1;Growth:+0.7;Quality:0.0;Size:-0.5;Momentum:-0.6;LowVol:-0.4,ESGOnly;NoMargin,10,25,4.1,hard 10%,110,15.7,Bear,24.9,3.34,1.1,143,17,67,63,false,Buy,Add to core equity +1%,-7,7,BrokerC,MKT,90,None,None,Normal monitoring,18,-1,91,4,false,Within IPS guidelines
P9391,Cautious,Roth,USD,2025-03-25,769880,79822,690058,1.0,51.9,30.9,0.0,17.1,MSFT:12.3%;HYG:29.2%;VNQ:29.2%;BRK.B:29.2%,US:67.1;EU:19.9;APAC:5.8;EM:3.7;Other:3.5,Value:-0.4;Growth:-0.0;Quality:-0.7;Size:-0.4;Momentum:-0.8;LowVol:+0.1,ESGOnly;NoMargin,6,35,4.0,trailing 10%,119,15.9,Bull,14.0,4.98,2.4,72,57,64,42,false,Rebalance,Shift +1% to bonds from equity,-12,-27,BrokerC,MKT,99,None,None,Normal monitoring,27,-16,-4,3,false,Tighten stops on momentum names
P9392,Active,Trust,USD,2024-07-22,1016876,83103,933773,1.12,63.4,29.1,1.1,6.5,MUB:15.0%;BRK.B:21.8%;AMZN:22.7%;HYG:17.8%;QQQ:22.7%,US:58.8;EU:14.9;APAC:13.6;EM:10.2;Other:2.5,Value:-0.4;Growth:-0.5;Quality:+0.8;Size:+0.8;Momentum:+0.6;LowVol:-0.6,MaxPos5%,8,30,5.5,hard 12%,140,22.3,Sideways,16.3,4.94,3.0,130,-11,52,50,true,Hedge,Buy index puts 1% notional,21,-27,BrokerC,LMT,89,VAR>budget,Reduce,Risk above budget threshold,-41,-55,-27,5,false,Increase defensive factor exposure
P9393,Systematic,Trust,USD,2025-04-05,779796,39120,740676,1.0,61.4,30.7,0.0,7.9,AMZN:24.5%;MUB:12.6%;GLD:18.2%;VOO:20.2%;MSFT:24.5%,US:68.7;EU:14.7;APAC:9.1;EM:5.0;Other:2.5,Value:-0.8;Growth:0.0;Quality:-0.5;Size:-0.5;Momentum:-0.7;LowVol:+0.7,NoDerivatives,10,35,5.4,trailing 9%,192,22.3,Bear,23.7,4.02,1.4,201,-24,33,62,false,Buy,Add to core equity +1%,33,-40,BrokerA,MKT,92,None,None,Normal monitoring,-7,-8,59,3,false,Monitor dispersion and breadth
P9394,Hands-off,IRA,USD,2025-12-08,835055,70718,764337,1.0,65.1,16.2,13.2,5.5,AMZN:27.3%;TLT:23.3%;MUB:27.3%;BND:22.1%,US:69.6;EU:9.1;APAC:14.6;EM:4.4;Other:2.3,Value:+0.1;Growth:+1.0;Quality:-0.6;Size:-0.7;Momentum:+0.8;LowVol:-0.5,,10,30,5.1,trailing 10%,94,14.9,Bull,17.8,4.44,2.3,84,31,67,45,false,Sell,Trim extended winner -1%,10,-20,BrokerB,LMT,97,None,None,Normal monitoring,-5,-32,130,4,false,Tax-aware sells next window
P9395,Opportunistic,401k,USD,2025-05-28,737874,37705,700169,1.0,75.0,20.0,0.2,4.8,BRK.B:25.0%;TLT:25.0%;MSFT:25.0%;HYG:25.0%,US:60.7;EU:10.0;APAC:14.4;EM:13.6;Other:1.3,Value:+0.2;Growth:+0.4;Quality:-0.9;Size:+0.7;Momentum:+0.3;LowVol:-0.1,MaxPos7%;NoDerivatives,7,25,7.0,trailing 9%,234,33.3,Volatile,25.8,5.31,3.0,121,-50,25,68,false,Hedge,Add TLT +1% as duration hedge,-7,5,BrokerB,MKT,89,None,None,Normal monitoring,20,19,-13,4,false,Monitor dispersion and breadth
P9396,Cautious,IRA,USD,2024-10-12,331739,41155,290584,1.0,43.3,33.3,13.0,10.3,BND:33.3%;VOO:33.3%;QQQ:33.3%,US:57.4;EU:15.0;APAC:12.7;EM:12.0;Other:2.9,Value:-0.2;Growth:-1.0;Quality:+0.8;Size:+0.5;Momentum:+0.5;LowVol:-0.8,NoDerivatives;NoMargin,6,30,4.3,trailing 8%,157,19.4,Bull,15.9,4.54,2.4,98,17,49,37,false,Rebalance,Shift +1% to bonds from equity,-13,-40,BrokerD,MKT,97,None,None,Normal monitoring,55,-58,185,5,false,Increase defensive factor exposure
P9397,Hands-off,Roth,USD,2024-07-19,316963,18718,298245,1.0,56.6,25.1,13.0,5.3,AMZN:28.5%;GLD:35.8%;IEF:35.8%,US:76.3;EU:5.5;APAC:13.8;EM:4.3;Other:0.0,Value:-0.3;Growth:-0.7;Quality:-0.3;Size:-0.5;Momentum:0.0;LowVol:+0.4,ESGOnly;NoDerivatives,6,25,3.4,trailing 8%,147,18.1,Volatile,27.2,4.52,3.2,157,45,71,76,true,Reduce,"Cut high-beta by 2-3%, add cash",-9,8,BrokerC,MKT,87,VAR>budget,Reduce,Risk above budget threshold,64,-49,161,5,false,Within IPS guidelines
P9398,Opportunistic,IRA,USD,2024-11-30,1557186,114571,1442615,1.0,65.1,16.1,14.5,4.4,TLT:20.8%;VOO:18.9%;HYG:18.7%;BND:22.3%;IEF:19.3%,US:70.0;EU:15.7;APAC:6.5;EM:3.2;Other:4.6,Value:+0.5;Growth:-0.2;Quality:-0.6;Size:0.0;Momentum:-0.4;LowVol:-1.0,,8,30,6.9,hard 12%,182,32.7,Volatile,23.3,3.67,3.9,163,-57,9,62,false,Buy,Add to core equity +1%,17,-32,BrokerB,LMT,95,None,None,Normal monitoring,8,-53,64,3,false,Monitor dispersion and breadth
P9399,Systematic,Roth,USD,2025-04-10,1145431,84436,1060995,1.0,62.0,20.9,11.5,5.6,BRK.B:21.7%;TLT:11.1%;TSLA:8.3%;VTI:21.7%;VNQ:15.4%;GLD:21.7%,US:62.6;EU:13.7;APAC:9.2;EM:10.1;Other:4.4,Value:+0.8;Growth:+0.6;Quality:-0.8;Size:-0.8;Momentum:-0.8;LowVol:+0.9,,10,30,5.4,trailing 8%,173,20.3,Sideways,20.0,4.46,2.9,135,11,66,52,false,Sell,Trim extended winner -1%,27,-17,BrokerA,LMT,100,None,None,Normal monitoring,97,2,110,3,false,Tighten stops on momentum names
P9400,Hands-off,Trust,USD,2024-07-22,507397,26530,480867,1.0,72.0,15.1,5.2,7.8,TSLA:7.1%;AMZN:10.4%;MUB:21.4%;VTI:20.8%;BND:21.0%;VOO:19.2%,US:62.0;EU:16.3;APAC:11.6;EM:9.7;Other:0.4,Value:-0.2;Growth:+0.2;Quality:-0.4;Size:-0.4;Momentum:+1.0;LowVol:+1.0,NoDerivatives,8,35,5.1,trailing 10%,145,19.3,Volatile,31.3,4.55,2.8,136,-46,17,89,true,Rebalance,Rebalance back to target bands,-4,12,BrokerD,MKT,96,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,108,-51,84,2,true,Tax-aware sells next window
P9401,Systematic,Trust,USD,2025-01-21,748484,67631,680853,1.0,56.6,31.1,6.9,5.4,AMZN:16.4%;MSFT:16.0%;TSLA:13.2%;HYG:22.2%;XLF:22.2%;VOO:10.1%,US:62.7;EU:9.2;APAC:16.0;EM:7.0;Other:5.2,Value:+0.5;Growth:+0.1;Quality:-0.8;Size:-0.2;Momentum:-0.8;LowVol:+0.2,NoDerivatives,7,30,5.4,trailing 8%,130,21.2,Volatile,22.4,5.13,3.6,127,-27,38,66,false,Buy,Add to core equity +1%,20,8,BrokerC,MKT,89,None,None,Normal monitoring,81,-32,182,3,false,Within IPS guidelines
P9402,Hands-off,Roth,USD,2024-09-18,163907,8723,155184,1.0,71.2,16.3,3.4,9.1,TLT:25.0%;MUB:25.0%;BRK.B:25.0%;HYG:25.0%,US:67.5;EU:13.7;APAC:8.4;EM:7.3;Other:3.1,Value:-0.5;Growth:+0.6;Quality:-0.7;Size:-0.9;Momentum:-0.8;LowVol:-0.5,ESGOnly;MaxPos6%,6,25,4.0,trailing 10%,121,16.7,Sideways,20.6,4.94,2.1,111,43,68,73,false,Hedge,Add TLT +1% as duration hedge,-5,-1,BrokerC,MKT,97,None,None,Normal monitoring,-28,-18,-23,4,false,Within IPS guidelines
P9403,Cautious,Taxable,USD,2025-10-15,490329,56875,433454,1.0,43.9,36.1,4.8,15.2,AAPL:10.8%;XLF:21.1%;AMZN:21.1%;BRK.B:8.3%;HYG:21.1%;TSLA:17.6%,US:66.2;EU:7.2;APAC:14.8;EM:11.4;Other:0.4,Value:-0.6;Growth:-0.8;Quality:+0.6;Size:-0.5;Momentum:-0.4;LowVol:+0.3,ESGOnly;NoDerivatives;NoMargin,7,35,3.5,trailing 8%,124,17.2,Sideways,19.9,4.91,3.1,96,48,74,52,false,Sell,Trim extended winner -1%,-9,-29,BrokerD,LMT,97,None,None,Normal monitoring,-37,18,101,4,false,Within IPS guidelines
P9404,Opportunistic,Roth,USD,2025-06-17,603384,37963,565421,1.0,75.3,18.4,0.0,6.3,QQQ:20.0%;TSLA:21.3%;MUB:13.3%;VTI:10.3%;IEF:21.3%;VNQ:13.8%,US:70.3;EU:12.5;APAC:8.0;EM:9.0;Other:0.2,Value:+0.6;Growth:+0.8;Quality:+0.9;Size:+0.3;Momentum:-0.2;LowVol:-0.1,NoDerivatives,7,25,5.3,trailing 9%,280,27.0,Bull,16.0,4.63,3.5,72,60,75,61,true,Reduce,"Cut high-beta by 2-3%, add cash",-1,-37,BrokerC,VWAP,96,Drift>tolerance,Hedge,Allocation drift beyond policy bands,120,-14,117,5,false,Within IPS guidelines
P9405,Opportunistic,401k,USD,2025-11-05,668501,36869,631632,1.1,61.0,21.1,13.1,4.8,TSLA:26.5%;VOO:26.5%;BND:26.5%;HYG:20.6%,US:56.7;EU:19.1;APAC:12.9;EM:10.9;Other:0.4,Value:-1.0;Growth:+0.2;Quality:-0.1;Size:-0.0;Momentum:-0.2;LowVol:+0.2,MaxPos7%;NoDerivatives,5,30,6.9,trailing 7%,234,31.1,Bear,27.3,4.34,2.6,160,-23,24,61,false,Hedge,Add TLT +1% as duration hedge,26,-2,BrokerB,MKT,89,None,None,Normal monitoring,-26,-9,-41,4,false,Monitor dispersion and breadth
P9406,Active,Roth,USD,2025-04-25,1499639,146472,1353167,1.19,50.9,22.6,19.9,6.5,XLF:18.4%;TSLA:19.6%;MSFT:14.9%;AAPL:12.4%;IEF:20.3%;HYG:14.4%,US:67.3;EU:8.8;APAC:12.0;EM:11.1;Other:0.8,Value:+0.2;Growth:-0.3;Quality:-0.8;Size:+0.3;Momentum:-0.6;LowVol:+0.9,MaxPos6%,6,25,4.9,hard 12%,205,26.4,Bear,30.5,3.69,2.4,173,-35,34,72,true,Hedge,Buy index puts 1% notional,29,-38,BrokerB,LMT,94,RegimeShift,Reduce,Volatility spike and breadth deterioration,102,-6,198,3,true,Increase defensive factor exposure
P9407,Systematic,Roth,USD,2024-11-17,1058688,70613,988075,1.0,63.6,29.5,0.0,6.8,QQQ:21.8%;BND:25.3%;IEF:9.6%;MSFT:18.1%;HYG:25.3%,US:68.6;EU:10.0;APAC:9.9;EM:7.3;Other:4.2,Value:-0.8;Growth:-0.0;Quality:-0.5;Size:-0.1;Momentum:-0.9;LowVol:+0.5,,8,35,4.7,trailing 9%,212,24.9,Bull,16.5,4.92,2.7,84,69,70,59,false,Rebalance,Shift +1% to bonds from equity,-11,-2,BrokerD,LMT,94,None,None,Normal monitoring,-37,1,-68,3,false,Tax-aware sells next window
P9408,Opportunistic,401k,USD,2025-05-20,548002,22470,525532,1.0,60.7,13.7,19.2,6.4,MSFT:25.8%;TSLA:22.5%;VNQ:25.8%;BRK.B:25.8%,US:59.2;EU:16.7;APAC:12.3;EM:10.5;Other:1.4,Value:-0.2;Growth:+0.9;Quality:-0.2;Size:0.0;Momentum:+0.1;LowVol:-0.7,MaxPos5%,5,30,5.7,trailing 7%,172,34.5,Volatile,22.8,4.53,3.2,119,-43,25,63,false,NoAction,Within bands; monitor,-10,-14,BrokerC,MKT,0,None,None,Normal monitoring,-17,-54,15,5,false,Within IPS guidelines
P9409,Opportunistic,Taxable,USD,2025-06-29,869522,26302,843220,1.11,70.5,18.9,3.3,7.3,HYG:28.5%;BRK.B:14.4%;TSLA:28.5%;BND:28.5%,US:66.3;EU:16.7;APAC:8.6;EM:6.3;Other:2.2,Value:+0.6;Growth:-0.3;Quality:+0.8;Size:-0.3;Momentum:+0.1;LowVol:+0.4,MaxPos6%;NoDerivatives,10,35,6.1,trailing 7%,194,26.3,Bull,14.2,4.74,2.6,109,108,100,45,false,Rebalance,Shift +1% to bonds from equity,5,-34,BrokerC,LMT,89,None,None,Normal monitoring,-18,6,-34,3,false,Tax-aware sells next window
P9410,Opportunistic,IRA,USD,2024-09-27,1601733,93029,1508704,1.18,70.6,17.3,4.4,7.7,IEF:21.6%;HYG:20.5%;TLT:14.7%;VNQ:21.6%;MUB:21.6%,US:73.0;EU:5.9;APAC:11.6;EM:7.2;Other:2.4,Value:+0.5;Growth:+0.8;Quality:-0.7;Size:-0.1;Momentum:-0.7;LowVol:-0.5,,5,25,6.1,trailing 9%,171,25.5,Bear,25.6,3.03,1.4,131,34,79,82,true,Reduce,"Cut high-beta by 2-3%, add cash",34,-30,BrokerD,MKT,93,VAR>budget,Reduce,Risk above budget threshold,-43,-2,-73,5,false,Tax-aware sells next window
P9411,Active,Taxable,USD,2024-10-07,1118596,74914,1043682,1.0,63.0,23.2,5.9,7.9,BRK.B:22.5%;TLT:25.1%;TSLA:26.2%;HYG:26.2%,US:62.9;EU:16.7;APAC:8.7;EM:10.0;Other:1.6,Value:-0.0;Growth:-1.0;Quality:+0.7;Size:+0.2;Momentum:+0.6;LowVol:+0.5,MaxPos7%,10,30,6.0,hard 12%,227,21.9,Bull,15.3,3.67,3.4,103,106,99,42,false,Buy,Add to core equity +1%,28,11,BrokerC,LMT,90,None,None,Normal monitoring,93,-50,70,4,false,Tighten stops on momentum names
P9412,Cautious,Roth,USD,2025-07-14,246567,29683,216884,1.0,47.5,36.0,1.4,15.1,BND:33.3%;VTI:33.3%;HYG:33.3%,US:58.6;EU:11.1;APAC:13.5;EM:13.1;Other:3.7,Value:-0.6;Growth:+0.2;Quality:+0.2;Size:-0.9;Momentum:+0.3;LowVol:-0.9,ESGOnly;NoMargin,7,35,4.5,trailing 10%,170,19.0,Volatile,24.4,5.4,2.6,135,79,83,48,false,Rebalance,Shift +1% to bonds from equity,-14,-6,BrokerC,MKT,91,None,None,Normal monitoring,-47,-48,-17,3,false,Monitor dispersion and breadth
P9413,Hands-off,Roth,USD,2025-10-17,789301,58362,730939,1.0,64.8,21.4,4.3,9.4,BND:7.7%;BRK.B:22.9%;GLD:22.9%;IEF:12.0%;XLF:15.9%;QQQ:18.6%,US:65.4;EU:10.4;APAC:10.6;EM:10.2;Other:3.4,Value:-0.6;Growth:-0.0;Quality:-0.3;Size:+0.8;Momentum:0.0;LowVol:-0.2,MaxPos5%;NoDerivatives,10,25,3.3,trailing 8%,136,13.7,Sideways,20.2,3.98,3.0,137,5,39,57,false,Sell,Trim extended winner -1%,-6,-37,BrokerB,LMT,95,None,None,Normal monitoring,50,16,87,4,false,Monitor dispersion and breadth
P9414,Active,Taxable,USD,2025-11-16,1590115,189996,1400119,1.0,59.6,23.1,9.9,7.4,MSFT:11.6%;VNQ:21.2%;GLD:20.2%;MUB:21.2%;HYG:9.4%;TLT:16.3%,US:67.8;EU:6.9;APAC:10.7;EM:11.0;Other:3.6,Value:+0.5;Growth:-0.7;Quality:-0.7;Size:-0.7;Momentum:+0.2;LowVol:+0.7,MaxPos6%,7,35,4.4,hard 12%,128,25.0,Bull,16.2,3.64,2.1,92,8,41,39,false,Rebalance,Shift +1% to bonds from equity,-6,-23,BrokerB,MKT,87,None,None,Normal monitoring,66,-28,201,4,false,Within IPS guidelines
P9415,Hands-off,Roth,USD,2025-08-27,456499,22878,433621,1.0,68.9,23.8,0.0,7.3,MSFT:23.5%;VOO:13.8%;IEF:23.5%;QQQ:15.7%;HYG:23.5%,US:64.8;EU:13.5;APAC:13.8;EM:7.6;Other:0.2,Value:+0.3;Growth:-0.6;Quality:-0.7;Size:+0.1;Momentum:-0.2;LowVol:+0.9,ESGOnly,6,35,5.7,trailing 8%,141,12.8,Volatile,26.4,4.1,3.5,164,57,65,66,false,Rebalance,Shift +1% to bonds from equity,29,-6,BrokerC,MKT,100,None,None,Normal monitoring,69,-54,60,3,false,Increase defensive factor exposure
P9416,Hands-off,401k,USD,2025-06-15,636948,30762,606186,1.0,57.7,26.4,8.8,7.0,BRK.B:27.3%;HYG:27.3%;AAPL:25.7%;TSLA:19.6%,US:66.1;EU:14.3;APAC:6.9;EM:8.5;Other:4.2,Value:+0.9;Growth:-0.7;Quality:+0.6;Size:+0.1;Momentum:-0.1;LowVol:+0.4,NoDerivatives,10,35,4.2,hard 10%,129,17.6,Volatile,23.9,5.18,2.7,136,-27,34,58,false,NoAction,Within bands; monitor,26,-31,BrokerA,VWAP,93,None,None,Normal monitoring,67,6,57,5,false,Tax-aware sells next window
P9417,Cautious,401k,USD,2025-11-15,766606,79827,686779,1.0,46.2,37.9,3.1,12.9,TSLA:22.3%;MSFT:19.9%;VNQ:12.0%;VTI:8.9%;QQQ:14.7%;AMZN:22.3%,US:77.1;EU:7.4;APAC:6.0;EM:8.3;Other:1.2,Value:-0.6;Growth:+0.2;Quality:-0.2;Size:+0.7;Momentum:+0.9;LowVol:-0.8,ESGOnly;NoDerivatives;NoMargin,6,25,3.7,hard 10%,137,19.8,Bear,33.0,3.54,2.5,199,-111,5,65,false,Buy,Add to core equity +1%,12,8,BrokerC,LMT,88,None,None,Normal monitoring,-8,1,80,5,false,Increase defensive factor exposure
P9418,Active,401k,USD,2025-04-08,2358647,278837,2079810,1.0,64.0,28.5,0.0,7.5,XLF:25.0%;MUB:25.0%;GLD:25.0%;VOO:25.0%,US:73.9;EU:6.9;APAC:10.7;EM:3.7;Other:4.8,Value:-0.0;Growth:+0.1;Quality:+0.1;Size:-0.9;Momentum:-0.6;LowVol:+0.5,NoDerivatives,5,25,5.8,trailing 9%,206,22.7,Sideways,15.0,4.9,2.6,118,-5,48,54,false,Buy,Add to core equity +1%,-11,-15,BrokerA,MKT,94,None,None,Normal monitoring,44,-49,33,5,false,Tighten stops on momentum names
P9419,Active,401k,USD,2025-10-03,2280014,249347,2030667,1.0,63.8,23.4,5.0,7.7,VTI:28.7%;VOO:18.8%;VNQ:28.7%;QQQ:23.8%,US:68.1;EU:8.3;APAC:11.3;EM:8.7;Other:3.6,Value:+0.9;Growth:-0.9;Quality:-0.1;Size:+0.1;Momentum:+0.4;LowVol:+0.9,NoDerivatives,8,30,4.5,trailing 9%,159,20.0,Bear,34.4,4.39,2.9,207,-113,5,89,true,Reduce,"Cut high-beta by 2-3%, add cash",-2,-7,BrokerD,MKT,90,RegimeShift,Reduce,Volatility spike and breadth deterioration,26,-21,144,2,false,Within IPS guidelines
P9420,Cautious,401k,USD,2024-11-22,488981,69394,419587,1.0,53.9,32.6,0.0,13.5,HYG:29.0%;BND:29.0%;AMZN:19.3%;VNQ:22.7%,US:72.3;EU:9.2;APAC:6.4;EM:10.8;Other:1.3,Value:-0.7;Growth:-0.4;Quality:-0.5;Size:+0.7;Momentum:-1.0;LowVol:+0.8,ESGOnly;NoMargin,6,25,4.0,hard 10%,168,13.2,Bear,30.3,3.27,2.8,173,-113,5,68,false,Sell,Trim extended winner -1%,10,-22,BrokerC,MKT,86,None,None,Normal monitoring,99,-44,74,5,false,Increase defensive factor exposure
P9421,Hands-off,Roth,USD,2025-10-29,502472,22881,479591,1.0,67.2,24.2,0.0,8.6,QQQ:31.0%;IEF:34.5%;BND:34.5%,US:65.3;EU:15.1;APAC:12.5;EM:4.1;Other:3.0,Value:+0.4;Growth:+0.4;Quality:-0.5;Size:+0.6;Momentum:+0.1;LowVol:-0.8,ESGOnly,10,35,5.8,trailing 8%,141,14.6,Sideways,20.7,4.3,2.8,94,-13,49,59,false,Hedge,Add TLT +1% as duration hedge,-3,-14,BrokerD,LMT,99,None,None,Normal monitoring,-11,19,30,4,false,Monitor dispersion and breadth
P9422,Opportunistic,Taxable,USD,2024-10-21,1630000,55094,1574906,1.0,66.4,16.2,11.8,5.5,IEF:18.5%;AAPL:27.1%;QQQ:27.2%;MSFT:27.2%,US:69.6;EU:16.1;APAC:7.8;EM:6.4;Other:0.2,Value:+0.9;Growth:+0.1;Quality:-0.1;Size:+0.9;Momentum:+0.8;LowVol:-1.0,MaxPos7%;NoDerivatives,7,25,6.1,trailing 7%,272,23.1,Bear,34.2,3.72,1.8,196,9,61,82,true,Hedge,Buy index puts 1% notional,16,-1,BrokerA,LMT,94,VAR>budget,Hedge,Risk above budget threshold,69,-16,168,4,false,Tax-aware sells next window
P9423,Cautious,401k,USD,2025-08-24,366187,38811,327376,1.0,47.9,39.3,0.0,12.8,AMZN:18.2%;TSLA:21.9%;HYG:16.1%;XLF:21.9%;TLT:21.9%,US:66.5;EU:17.0;APAC:8.9;EM:7.3;Other:0.3,Value:-0.8;Growth:-0.2;Quality:+0.6;Size:-0.2;Momentum:-0.5;LowVol:-0.9,NoMargin,5,35,4.9,hard 10%,130,17.6,Bull,12.3,4.87,3.3,79,20,58,25,false,Hedge,Add TLT +1% as duration hedge,-9,-5,BrokerC,MKT,87,None,None,Normal monitoring,22,-48,116,3,false,Increase defensive factor exposure
P9424,Active,Taxable,USD,2025-05-14,1470571,160864,1309707,1.0,50.3,22.8,21.4,5.6,MUB:15.2%;TSLA:28.3%;BND:28.3%;AMZN:28.3%,US:75.8;EU:6.4;APAC:7.8;EM:7.7;Other:2.3,Value:-0.2;Growth:+1.0;Quality:-0.6;Size:-0.0;Momentum:+0.9;LowVol:+0.1,,10,30,4.3,hard 12%,187,17.7,Sideways,18.3,3.9,3.1,131,-20,37,49,false,Rebalance,Shift +1% to bonds from equity,24,-4,BrokerD,VWAP,99,None,None,Normal monitoring,32,-7,144,4,false,Tax-aware sells next window
P9425,Cautious,401k,USD,2025-12-18,860437,92927,767510,1.0,37.8,41.4,4.3,16.4,BRK.B:28.5%;AAPL:28.5%;BND:14.6%;QQQ:28.5%,US:59.9;EU:21.6;APAC:10.5;EM:5.9;Other:2.2,Value:-0.5;Growth:-0.1;Quality:+0.9;Size:0.0;Momentum:+0.3;LowVol:+0.7,MaxPos6%;NoDerivatives;NoMargin,5,30,4.5,trailing 8%,134,12.9,Volatile,29.4,5.06,2.5,120,56,73,59,false,Buy,Add to core equity +1%,18,3,BrokerA,MKT,85,None,None,Normal monitoring,11,-57,61,5,false,Monitor dispersion and breadth
P9426,Systematic,401k,USD,2025-01-29,1535832,119795,1416037,1.0,60.2,25.8,5.4,8.7,BRK.B:20.7%;HYG:21.9%;TLT:8.8%;TSLA:15.8%;AMZN:11.0%;VOO:21.9%,US:68.4;EU:13.0;APAC:10.2;EM:5.1;Other:3.3,Value:+0.9;Growth:-0.5;Quality:-0.8;Size:-0.0;Momentum:+0.1;LowVol:+0.8,,6,30,4.8,trailing 8%,172,18.9,Sideways,17.9,3.78,2.9,115,-12,51,43,true,Rebalance,Rebalance back to target bands,23,12,BrokerC,LMT,100,VAR>budget,Hedge,Risk above budget threshold,30,3,100,5,false,Tighten stops on momentum names
P9427,Hands-off,Taxable,USD,2024-11-28,387408,32988,354420,1.0,65.5,17.2,10.0,7.3,BND:21.9%;VNQ:19.0%;XLF:22.3%;QQQ:22.3%;TSLA:14.6%,US:69.9;EU:9.3;APAC:13.4;EM:4.0;Other:3.4,Value:+0.2;Growth:+0.7;Quality:+0.8;Size:-1.0;Momentum:+0.9;LowVol:-1.0,MaxPos6%;NoDerivatives,6,25,3.5,trailing 10%,170,14.6,Volatile,23.6,4.74,3.0,171,29,72,65,false,Rebalance,Shift +1% to bonds from equity,25,11,BrokerD,LMT,92,None,None,Normal monitoring,-6,-40,-27,3,false,Tighten stops on momentum names
P9428,Systematic,IRA,USD,2024-12-18,1422835,62412,1360423,1.0,65.4,27.6,0.0,7.0,TSLA:35.1%;IEF:29.8%;BND:35.1%,US:73.4;EU:9.1;APAC:10.2;EM:6.8;Other:0.4,Value:+0.4;Growth:-0.1;Quality:+0.1;Size:+0.6;Momentum:+0.6;LowVol:-0.2,MaxPos6%,6,30,4.7,hard 12%,160,24.4,Volatile,21.9,4.66,2.9,134,54,74,59,false,Buy,Add to core equity +1%,18,-16,BrokerB,MKT,98,None,None,Normal monitoring,48,-22,116,5,false,Tax-aware sells next window
P9429,Systematic,Trust,USD,2025-09-10,1346188,120634,1225554,1.0,58.3,34.3,0.2,7.3,GLD:21.1%;VNQ:18.3%;BND:20.4%;VTI:19.0%;TSLA:21.1%,US:75.4;EU:6.3;APAC:9.0;EM:7.8;Other:1.6,Value:-0.7;Growth:0.0;Quality:-0.9;Size:-0.5;Momentum:-0.9;LowVol:-0.2,MaxPos8%,8,25,6.0,trailing 8%,129,21.5,Sideways,15.3,4.41,2.9,133,-24,34,49,false,Buy,Add to core equity +1%,3,4,BrokerA,MKT,96,None,None,Normal monitoring,1,-35,27,4,false,Tighten stops on momentum names
P9430,Systematic,Trust,USD,2024-11-09,690535,59500,631035,1.0,69.1,24.8,1.0,5.0,VNQ:34.8%;AAPL:30.5%;IEF:34.8%,US:76.3;EU:9.2;APAC:5.6;EM:8.8;Other:0.2,Value:+0.1;Growth:+0.1;Quality:+0.7;Size:-0.2;Momentum:+0.8;LowVol:-0.4,MaxPos6%;NoDerivatives,8,35,5.2,hard 12%,214,20.3,Bull,11.9,4.6,2.6,99,57,69,37,false,Sell,Trim extended winner -1%,33,-20,BrokerD,VWAP,93,None,None,Normal monitoring,114,-15,184,3,false,Tax-aware sells next window
P9431,Hands-off,IRA,USD,2025-07-19,259280,20753,238527,1.0,72.2,22.1,0.0,5.6,GLD:14.0%;TSLA:21.6%;TLT:21.6%;BRK.B:12.5%;AAPL:19.7%;BND:10.6%,US:59.0;EU:14.8;APAC:15.3;EM:8.0;Other:2.8,Value:-0.7;Growth:+0.9;Quality:-0.4;Size:-0.4;Momentum:+0.5;LowVol:+0.4,MaxPos6%,6,25,5.5,trailing 8%,101,12.6,Sideways,15.6,3.99,2.7,108,10,50,46,false,Rebalance,Shift +1% to bonds from equity,8,-28,BrokerC,LMT,85,None,None,Normal monitoring,-30,-27,59,4,false,Within IPS guidelines
P9432,Opportunistic,401k,USD,2025-03-05,1246246,108944,1137302,1.18,62.1,12.0,20.2,5.7,BND:19.0%;BRK.B:20.6%;MSFT:22.6%;QQQ:15.2%;HYG:22.6%,US:61.7;EU:14.3;APAC:9.2;EM:10.0;Other:4.8,Value:-0.4;Growth:+0.7;Quality:-0.3;Size:+0.6;Momentum:+0.1;LowVol:0.0,MaxPos8%,6,30,4.9,trailing 9%,177,34.0,Bull,16.7,4.92,2.7,102,62,87,51,false,Rebalance,Shift +1% to bonds from equity,27,-30,BrokerA,LMT,87,None,None,Normal monitoring,110,4,212,3,false,Tax-aware sells next window
P9433,Active,Roth,USD,2025-06-02,713431,55934,657497,1.0,66.0,19.1,5.7,9.2,AMZN:21.3%;GLD:18.0%;VNQ:10.3%;MSFT:21.3%;QQQ:7.9%;TLT:21.3%,US:68.1;EU:12.1;APAC:7.3;EM:8.6;Other:3.8,Value:+0.7;Growth:-0.8;Quality:-0.2;Size:-0.6;Momentum:-0.1;LowVol:+0.7,NoDerivatives,7,25,5.7,trailing 8%,194,24.2,Bull,11.2,4.43,3.1,88,53,73,39,false,Buy,Add to core equity +1%,5,-40,BrokerC,VWAP,92,None,None,Normal monitoring,3,20,40,3,false,Within IPS guidelines
P9434,Hands-off,Taxable,USD,2025-09-08,867355,86590,780765,1.0,68.4,25.5,0.0,6.1,BND:22.2%;TSLA:22.2%;VOO:13.5%;TLT:22.2%;AAPL:20.0%,US:73.0;EU:7.7;APAC:8.0;EM:8.8;Other:2.5,Value:-0.9;Growth:+0.1;Quality:+0.9;Size:-0.1;Momentum:-0.3;LowVol:+0.1,,5,30,4.7,trailing 8%,105,19.9,Bull,12.8,3.6,2.7,98,2,41,41,false,NoAction,Within bands; monitor,25,-35,BrokerC,MKT,0,None,None,Normal monitoring,68,-5,59,5,false,Within IPS guidelines
P9435,Opportunistic,Trust,USD,2025-03-28,1395125,123434,1271691,1.0,68.7,15.1,10.1,6.1,IEF:25.0%;BRK.B:25.0%;QQQ:25.0%;TLT:25.0%,US:64.1;EU:18.8;APAC:12.6;EM:3.0;Other:1.4,Value:+0.3;Growth:+0.7;Quality:-0.8;Size:-0.3;Momentum:-0.4;LowVol:+1.0,,5,30,5.8,trailing 7%,177,29.4,Volatile,20.7,3.78,4.4,155,24,60,61,false,Buy,Add to core equity +1%,22,-27,BrokerB,MKT,91,None,None,Normal monitoring,-4,-58,51,3,false,Monitor dispersion and breadth
P9436,Cautious,Roth,USD,2025-07-26,512913,79359,433554,1.0,39.2,31.0,14.2,15.6,AMZN:8.0%;HYG:16.7%;MSFT:20.9%;VTI:18.2%;TSLA:20.9%;QQQ:15.2%,US:67.9;EU:12.2;APAC:13.1;EM:5.2;Other:1.5,Value:-0.5;Growth:-0.7;Quality:+0.9;Size:+0.7;Momentum:-0.3;LowVol:-0.7,ESGOnly;NoDerivatives;NoMargin,7,30,5.5,trailing 8%,164,14.5,Volatile,23.3,5.44,2.7,118,18,49,51,false,Rebalance,Shift +1% to bonds from equity,27,10,BrokerA,MKT,87,None,None,Normal monitoring,95,-58,187,5,false,Tighten stops on momentum names
P9437,Systematic,Roth,USD,2025-07-16,1051772,68934,982838,1.0,60.8,24.1,7.7,7.4,VOO:23.2%;MUB:22.1%;BND:15.2%;TSLA:16.4%;VTI:23.2%,US:68.9;EU:8.9;APAC:15.0;EM:5.3;Other:1.9,Value:+0.5;Growth:-0.8;Quality:+0.1;Size:+0.7;Momentum:-0.3;LowVol:-0.1,MaxPos7%,10,35,5.2,trailing 9%,141,22.7,Bull,12.8,4.41,2.1,71,12,60,48,false,NoAction,Within bands; monitor,10,-10,BrokerD,LMT,86,None,None,Normal monitoring,-22,-52,58,5,false,Increase defensive factor exposure
P9438,Cautious,401k,USD,2024-11-13,745524,80370,665154,1.0,46.3,35.7,7.0,11.0,VTI:19.2%;VOO:18.9%;QQQ:11.8%;VNQ:20.7%;AMZN:20.7%;HYG:8.6%,US:65.8;EU:7.0;APAC:14.5;EM:10.8;Other:1.9,Value:+0.1;Growth:+0.4;Quality:-0.5;Size:+0.8;Momentum:+0.5;LowVol:+0.4,MaxPos7%;NoDerivatives;NoMargin,8,35,4.3,hard 10%,108,19.0,Bull,13.4,3.85,2.8,87,78,82,30,false,Sell,Trim extended winner -1%,23,11,BrokerB,MKT,100,None,None,Normal monitoring,81,-13,86,4,false,Tighten stops on momentum names
P9439,Opportunistic,Trust,USD,2025-01-06,1105837,60633,1045204,1.0,72.3,17.0,5.1,5.6,HYG:33.3%;VTI:33.3%;TSLA:33.3%,US:70.3;EU:6.5;APAC:13.4;EM:4.9;Other:4.8,Value:-0.3;Growth:-0.0;Quality:+0.9;Size:-0.8;Momentum:-0.3;LowVol:+0.5,,10,35,6.8,trailing 7%,172,26.9,Volatile,23.6,4.13,3.4,142,-34,46,78,true,Reduce,"Cut high-beta by 2-3%, add cash",35,3,BrokerB,LMT,90,Drift>tolerance,Hedge,Allocation drift beyond policy bands,2,-7,1,2,false,Monitor dispersion and breadth
P9440,Opportunistic,Taxable,USD,2024-09-05,450881,36250,414631,1.0,62.7,18.4,14.5,4.4,AMZN:16.8%;VOO:21.7%;BRK.B:14.2%;TSLA:14.2%;BND:11.3%;HYG:21.7%,US:69.8;EU:8.0;APAC:12.2;EM:8.8;Other:1.2,Value:-0.6;Growth:-0.1;Quality:+0.4;Size:+0.3;Momentum:+0.9;LowVol:-0.6,MaxPos8%,5,35,5.1,hard 12%,222,22.1,Sideways,14.7,4.18,2.4,95,-20,50,57,false,Buy,Add to core equity +1%,1,-3,BrokerA,MKT,97,None,None,Normal monitoring,59,-43,169,5,false,Tighten stops on momentum names
P9441,Opportunistic,IRA,USD,2025-08-10,1073732,93168,980564,1.12,74.4,11.4,10.1,4.1,VNQ:20.9%;GLD:21.9%;QQQ:10.1%;AAPL:14.1%;BND:14.9%;HYG:18.1%,US:67.2;EU:17.4;APAC:7.5;EM:6.1;Other:1.7,Value:-0.5;Growth:0.0;Quality:+0.5;Size:-0.3;Momentum:-0.3;LowVol:+0.6,MaxPos8%,6,35,5.4,trailing 9%,210,32.8,Bull,11.6,4.13,2.9,85,33,57,51,false,Rebalance,Shift +1% to bonds from equity,19,-31,BrokerC,MKT,95,None,None,Normal monitoring,21,-8,29,4,false,Monitor dispersion and breadth
P9442,Hands-off,Taxable,USD,2024-09-21,742487,41924,700563,1.0,68.2,27.0,0.0,4.7,TLT:35.9%;AMZN:28.2%;MUB:35.9%,US:67.6;EU:12.9;APAC:7.9;EM:7.3;Other:4.3,Value:+0.5;Growth:-0.9;Quality:-0.9;Size:+0.8;Momentum:-0.2;LowVol:+0.4,ESGOnly;NoDerivatives,6,25,4.8,hard 10%,143,15.8,Sideways,17.6,3.53,2.1,119,36,77,57,false,Buy,Add to core equity +1%,-11,14,BrokerB,VWAP,87,None,None,Normal monitoring,60,2,79,4,false,Tighten stops on momentum names
P9443,Systematic,Trust,USD,2025-06-25,1421556,119369,1302187,1.0,63.7,29.0,1.0,6.4,VTI:13.7%;AMZN:24.1%;QQQ:24.1%;AAPL:23.5%;HYG:14.5%,US:66.7;EU:6.3;APAC:14.1;EM:9.7;Other:3.2,Value:-0.0;Growth:+0.3;Quality:-0.1;Size:-0.2;Momentum:-0.3;LowVol:+0.3,MaxPos7%;NoDerivatives,5,35,4.3,trailing 9%,217,19.3,Bull,16.6,3.53,2.9,92,63,78,60,false,Buy,Add to core equity +1%,-7,7,BrokerA,LMT,86,None,None,Normal monitoring,23,-1,73,3,false,Monitor dispersion and breadth
P9444,Opportunistic,Taxable,USD,2025-01-25,1760032,54474,1705558,1.0,71.0,15.9,4.8,8.4,QQQ:22.9%;MUB:22.9%;VNQ:22.9%;XLF:22.6%;VTI:8.8%,US:63.1;EU:11.9;APAC:13.0;EM:6.5;Other:5.5,Value:+0.3;Growth:+0.1;Quality:+0.1;Size:-0.2;Momentum:-0.4;LowVol:+0.6,,6,25,5.6,trailing 7%,185,26.6,Sideways,22.0,4.05,3.2,125,28,62,65,false,Hedge,Add TLT +1% as duration hedge,12,-28,BrokerD,MKT,86,None,None,Normal monitoring,74,-52,212,3,false,Increase defensive factor exposure
P9445,Hands-off,Roth,USD,2025-09-09,425243,38571,386672,1.0,63.1,23.7,5.6,7.7,BRK.B:33.3%;MSFT:33.3%;VNQ:33.3%,US:64.5;EU:14.3;APAC:11.6;EM:6.4;Other:3.2,Value:-0.0;Growth:-0.7;Quality:+0.2;Size:-1.0;Momentum:-0.6;LowVol:-0.3,ESGOnly;NoDerivatives,5,30,3.7,trailing 8%,148,16.9,Bear,23.3,3.67,2.2,185,-79,25,55,false,Rebalance,Shift +1% to bonds from equity,3,-25,BrokerC,MKT,87,None,None,Normal monitoring,29,-58,-11,5,false,Monitor dispersion and breadth
P9446,Active,Taxable,USD,2024-09-13,2341265,245124,2096141,1.0,60.8,19.1,10.8,9.3,AAPL:23.0%;BND:25.7%;VOO:25.7%;TSLA:25.7%,US:65.2;EU:12.9;APAC:9.3;EM:12.0;Other:0.6,Value:-0.6;Growth:-0.6;Quality:-0.2;Size:-0.1;Momentum:+0.6;LowVol:+0.4,,8,25,4.4,hard 12%,156,19.7,Bull,13.7,4.66,2.3,88,89,88,35,false,Rebalance,Shift +1% to bonds from equity,-5,-23,BrokerD,VWAP,86,None,None,Normal monitoring,58,12,124,3,false,Within IPS guidelines
P9447,Active,IRA,USD,2025-10-06,2445721,185592,2260129,1.0,63.1,26.1,2.3,8.5,XLF:20.7%;AAPL:17.4%;VOO:21.3%;BRK.B:21.3%;HYG:19.4%,US:60.6;EU:17.3;APAC:8.0;EM:10.3;Other:3.8,Value:-0.3;Growth:+0.1;Quality:+0.1;Size:+0.9;Momentum:+0.8;LowVol:+0.8,,5,25,5.6,trailing 8%,214,25.8,Bull,16.2,4.88,2.1,86,1,35,60,false,Rebalance,Shift +1% to bonds from equity,14,-10,BrokerC,MKT,90,None,None,Normal monitoring,91,-12,58,5,false,Tighten stops on momentum names
P9448,Active,Roth,USD,2024-10-19,1189119,98924,1090195,1.0,63.8,27.9,1.9,6.5,VTI:12.9%;IEF:23.7%;QQQ:15.9%;VNQ:23.7%;BRK.B:23.7%,US:64.4;EU:19.4;APAC:10.7;EM:3.0;Other:2.4,Value:-0.6;Growth:+0.8;Quality:+0.9;Size:+0.5;Momentum:-0.6;LowVol:+0.7,MaxPos7%,5,35,5.9,trailing 9%,140,21.3,Bull,14.7,4.02,2.7,89,80,100,57,false,Rebalance,Shift +1% to bonds from equity,3,9,BrokerA,LMT,96,None,None,Normal monitoring,70,-58,63,5,false,Increase defensive factor exposure
P9449,Hands-off,Roth,USD,2025-11-16,793683,33232,760451,1.0,65.6,20.4,4.3,9.8,GLD:26.8%;IEF:26.8%;MUB:19.7%;QQQ:26.8%,US:69.2;EU:10.4;APAC:9.1;EM:9.1;Other:2.2,Value:+0.6;Growth:+0.6;Quality:-0.6;Size:+0.1;Momentum:+0.9;LowVol:-0.9,MaxPos8%;NoDerivatives,8,35,3.6,trailing 8%,161,13.5,Bull,13.6,3.8,3.3,91,120,100,49,false,Buy,Add to core equity +1%,-13,-21,BrokerA,MKT,99,None,None,Normal monitoring,-13,-27,-21,4,false,Tighten stops on momentum names
P9450,Opportunistic,Trust,USD,2025-07-23,826468,54875,771593,1.0,73.5,11.6,10.1,4.7,VTI:19.9%;IEF:20.7%;TLT:8.6%;XLF:19.1%;GLD:11.0%;QQQ:20.7%,US:67.8;EU:13.9;APAC:9.6;EM:5.9;Other:2.8,Value:+0.4;Growth:-0.4;Quality:+0.9;Size:-0.0;Momentum:-0.5;LowVol:-0.1,NoDerivatives,8,35,6.8,trailing 9%,245,27.8,Bear,31.7,4.04,1.8,166,-106,5,86,true,Reduce,"Cut high-beta by 2-3%, add cash",-12,15,BrokerD,MKT,93,VAR>budget,Hedge,Risk above budget threshold,-18,0,71,4,false,Tax-aware sells next window
P9451,Active,Taxable,USD,2025-09-05,1742683,143543,1599140,1.0,54.8,25.6,13.9,5.7,QQQ:20.2%;TSLA:17.9%;AMZN:17.0%;XLF:14.8%;HYG:13.5%;BND:16.8%,US:66.8;EU:15.5;APAC:10.3;EM:5.5;Other:1.9,Value:+0.8;Growth:+0.1;Quality:-0.4;Size:+0.3;Momentum:+0.9;LowVol:+0.6,,5,30,4.8,hard 12%,199,24.3,Bear,23.2,3.39,2.4,208,-8,47,67,false,Buy,Add to core equity +1%,14,-26,BrokerD,MKT,99,None,None,Normal monitoring,-29,-48,97,4,false,Tighten stops on momentum names
P9452,Hands-off,Trust,USD,2024-10-02,782928,47292,735636,1.0,68.0,17.8,5.8,8.3,VTI:20.3%;AAPL:15.4%;GLD:10.5%;QQQ:18.9%;VOO:14.6%;IEF:20.3%,US:64.4;EU:10.5;APAC:9.3;EM:11.2;Other:4.6,Value:+0.1;Growth:-0.7;Quality:-0.1;Size:0.0;Momentum:-0.9;LowVol:-0.3,ESGOnly,8,25,5.5,trailing 8%,142,14.2,Bull,18.0,4.78,3.1,111,10,65,52,false,Rebalance,Shift +1% to bonds from equity,21,-32,BrokerA,VWAP,89,None,None,Normal monitoring,4,-60,53,5,false,Tighten stops on momentum names
P9453,Cautious,Taxable,USD,2025-04-06,361865,37485,324380,1.0,48.1,38.6,0.0,13.4,QQQ:33.3%;MSFT:33.3%;TSLA:33.3%,US:69.3;EU:14.5;APAC:8.0;EM:5.6;Other:2.6,Value:-0.8;Growth:-0.4;Quality:-0.5;Size:+0.9;Momentum:+0.5;LowVol:+1.0,MaxPos5%;NoDerivatives;NoMargin,5,30,5.1,trailing 8%,147,13.1,Sideways,17.2,4.6,2.8,93,-15,45,50,true,Rebalance,Rebalance back to target bands,18,-21,BrokerD,MKT,94,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-20,18,-57,2,false,Tighten stops on momentum names
P9454,Hands-off,IRA,USD,2025-12-15,754582,66548,688034,1.0,57.8,24.0,12.0,6.2,TSLA:33.3%;MSFT:33.3%;XLF:33.3%,US:65.8;EU:20.6;APAC:7.6;EM:5.0;Other:1.0,Value:+0.6;Growth:+0.7;Quality:+0.7;Size:0.0;Momentum:+0.7;LowVol:-0.9,,5,35,5.3,hard 10%,165,14.3,Sideways,14.4,4.05,2.9,114,19,45,44,false,Sell,Trim extended winner -1%,-14,-17,BrokerB,LMT,91,None,None,Normal monitoring,-44,-17,89,4,false,Increase defensive factor exposure
P9455,Hands-off,Roth,USD,2024-10-28,193940,11278,182662,1.0,55.9,22.2,13.0,8.9,QQQ:24.1%;XLF:13.7%;IEF:24.1%;GLD:13.9%;VOO:24.1%,US:69.8;EU:12.1;APAC:8.3;EM:9.8;Other:0.0,Value:-0.1;Growth:+0.3;Quality:+0.4;Size:-0.7;Momentum:+0.9;LowVol:+0.8,,10,30,3.3,hard 10%,136,18.2,Bull,16.9,4.66,3.1,101,88,86,57,false,Rebalance,Shift +1% to bonds from equity,13,15,BrokerD,MKT,92,None,None,Normal monitoring,115,-35,80,3,false,Within IPS guidelines
P9456,Opportunistic,Roth,USD,2024-08-08,631188,39415,591773,1.0,72.4,10.4,9.0,8.1,TLT:20.9%;VOO:12.1%;XLF:20.9%;VNQ:20.9%;MSFT:7.2%;HYG:17.9%,US:68.5;EU:13.7;APAC:8.6;EM:8.6;Other:0.6,Value:+0.6;Growth:-0.5;Quality:-0.5;Size:-0.6;Momentum:+0.8;LowVol:+0.4,MaxPos8%,5,30,6.2,trailing 9%,195,24.2,Bull,11.0,4.74,2.2,119,48,88,42,false,Buy,Add to core equity +1%,13,-36,BrokerD,LMT,91,None,None,Normal monitoring,-28,-5,-58,3,false,Increase defensive factor exposure
P9457,Opportunistic,Roth,USD,2025-10-04,375728,27196,348532,1.0,70.5,13.0,10.9,5.7,IEF:33.3%;AAPL:33.3%;VNQ:33.3%,US:63.7;EU:6.6;APAC:16.8;EM:7.1;Other:5.8,Value:0.0;Growth:+0.7;Quality:+0.2;Size:-0.3;Momentum:-0.8;LowVol:-0.4,,6,25,6.1,trailing 9%,270,27.7,Volatile,30.0,5.33,2.6,120,-38,41,81,true,Hedge,Buy index puts 1% notional,12,-15,BrokerC,LMT,95,VAR>budget,TightenStops,Risk above budget threshold,70,-36,145,2,false,Tax-aware sells next window
P9458,Hands-off,Roth,USD,2025-04-17,815901,43981,771920,1.0,72.3,20.4,1.8,5.5,AAPL:12.8%;XLF:19.4%;MUB:13.6%;VNQ:12.1%;VTI:21.1%;TLT:21.1%,US:64.6;EU:18.7;APAC:11.8;EM:3.8;Other:1.0,Value:+0.1;Growth:+0.4;Quality:-0.5;Size:-0.3;Momentum:-0.2;LowVol:+0.8,ESGOnly;MaxPos8%;NoDerivatives,6,25,4.2,trailing 10%,138,14.0,Volatile,28.7,3.57,3.3,168,64,86,73,true,Reduce,"Cut high-beta by 2-3%, add cash",7,-16,BrokerD,LMT,89,VAR>budget,Reduce,Risk above budget threshold,73,-55,130,3,false,Within IPS guidelines
P9459,Systematic,Trust,USD,2024-08-26,600374,29281,571093,1.0,61.6,31.8,0.0,6.6,AMZN:17.9%;HYG:24.2%;BND:24.2%;VOO:24.2%;TSLA:9.4%,US:67.1;EU:7.4;APAC:12.8;EM:7.4;Other:5.3,Value:+0.9;Growth:+0.5;Quality:-0.4;Size:+0.9;Momentum:+0.7;LowVol:+0.4,,10,25,4.1,trailing 9%,159,20.6,Sideways,20.0,4.37,2.8,132,-3,34,64,false,Sell,Trim extended winner -1%,28,-14,BrokerC,MKT,87,None,None,Normal monitoring,93,-4,189,4,false,Monitor dispersion and breadth
P9460,Active,Roth,USD,2024-11-18,613912,47891,566021,1.0,64.3,25.0,4.9,5.7,AMZN:21.6%;QQQ:21.6%;BND:11.8%;MSFT:21.6%;VOO:12.6%;MUB:10.8%,US:67.6;EU:13.0;APAC:6.0;EM:9.2;Other:4.1,Value:+0.7;Growth:+0.8;Quality:+0.8;Size:+0.6;Momentum:-0.6;LowVol:+0.6,MaxPos8%;NoDerivatives,8,30,4.7,trailing 8%,207,26.7,Bull,16.6,4.36,3.2,78,100,100,61,true,Hedge,Buy index puts 1% notional,-1,0,BrokerD,MKT,89,Drift>tolerance,Hedge,Allocation drift beyond policy bands,7,-51,65,4,false,Increase defensive factor exposure
P9461,Opportunistic,Trust,USD,2025-10-27,952864,63900,888964,1.0,64.0,11.5,19.8,4.8,TSLA:32.7%;XLF:33.6%;TLT:33.6%,US:75.1;EU:11.3;APAC:5.6;EM:5.6;Other:2.3,Value:+0.2;Growth:-0.0;Quality:-0.7;Size:+0.7;Momentum:+0.5;LowVol:+0.3,MaxPos6%,5,35,6.4,trailing 9%,280,32.4,Bull,15.4,3.93,2.4,114,102,96,58,false,Sell,Trim extended winner -1%,2,-30,BrokerA,LMT,98,None,None,Normal monitoring,29,-30,123,3,false,Tax-aware sells next window
P9462,Systematic,Trust,USD,2025-12-05,455309,38416,416893,1.0,63.9,27.0,0.0,9.1,MSFT:25.7%;MUB:22.8%;AAPL:25.7%;AMZN:25.7%,US:69.7;EU:16.1;APAC:10.0;EM:3.7;Other:0.6,Value:+0.8;Growth:+0.4;Quality:+0.4;Size:-0.8;Momentum:-1.0;LowVol:+0.5,MaxPos6%,7,30,4.7,trailing 8%,217,23.0,Bull,11.1,4.04,2.8,87,66,78,39,false,Sell,Trim extended winner -1%,-10,12,BrokerD,LMT,86,None,None,Normal monitoring,-26,-25,-17,5,false,Monitor dispersion and breadth
P9463,Active,Trust,USD,2025-02-07,1070731,119010,951721,1.07,50.5,25.2,17.3,6.9,HYG:26.7%;AMZN:26.7%;MUB:19.9%;VNQ:26.7%,US:74.9;EU:8.5;APAC:12.0;EM:3.6;Other:1.0,Value:+0.2;Growth:+0.2;Quality:+0.2;Size:+1.0;Momentum:-0.7;LowVol:+0.8,MaxPos8%;NoDerivatives,10,30,5.7,trailing 8%,147,22.5,Sideways,14.4,4.57,2.6,94,22,56,37,false,Buy,Add to core equity +1%,6,-17,BrokerB,LMT,91,None,None,Normal monitoring,19,-49,131,3,false,Tax-aware sells next window
P9464,Cautious,Trust,USD,2025-06-10,680571,72898,607673,1.0,44.0,41.5,0.0,14.5,MSFT:12.9%;VTI:8.5%;TSLA:21.7%;BRK.B:21.7%;VNQ:19.0%;VOO:16.1%,US:65.6;EU:14.4;APAC:8.2;EM:7.5;Other:4.4,Value:+1.0;Growth:+0.5;Quality:-0.3;Size:+0.9;Momentum:0.0;LowVol:-0.0,NoMargin,8,35,3.5,trailing 10%,169,15.1,Volatile,20.9,4.02,3.2,124,78,76,50,false,Sell,Trim extended winner -1%,31,-12,BrokerD,MKT,93,None,None,Normal monitoring,-37,-9,18,5,false,Monitor dispersion and breadth
P9465,Hands-off,Taxable,USD,2025-10-14,827501,44372,783129,1.0,61.1,20.5,10.7,7.7,VOO:26.9%;MSFT:19.2%;XLF:26.9%;BND:26.9%,US:65.0;EU:12.2;APAC:12.3;EM:7.9;Other:2.7,Value:+0.2;Growth:+0.9;Quality:0.0;Size:-0.7;Momentum:-0.2;LowVol:-0.9,MaxPos8%,10,30,3.1,trailing 10%,131,12.1,Bull,14.3,3.7,2.5,116,119,100,38,false,Buy,Add to core equity +1%,5,12,BrokerA,LMT,86,None,None,Normal monitoring,25,0,48,4,false,Within IPS guidelines
P9466,Opportunistic,IRA,USD,2025-09-16,791735,44244,747491,1.0,73.1,18.8,2.3,5.9,GLD:28.4%;AAPL:28.4%;MUB:14.9%;IEF:28.4%,US:62.0;EU:20.0;APAC:10.0;EM:4.6;Other:3.4,Value:-0.1;Growth:+0.6;Quality:-0.0;Size:+0.4;Momentum:+0.6;LowVol:+0.6,,10,30,6.9,trailing 9%,170,31.4,Bull,16.9,3.97,3.4,99,1,62,51,false,NoAction,Within bands; monitor,15,9,BrokerB,LMT,86,None,None,Normal monitoring,11,-27,-13,4,false,Within IPS guidelines
P9467,Active,IRA,USD,2025-12-01,1009924,77455,932469,1.0,50.5,22.2,20.9,6.4,GLD:24.1%;IEF:25.3%;BRK.B:25.3%;AAPL:25.3%,US:64.6;EU:14.5;APAC:10.2;EM:8.7;Other:2.0,Value:+0.1;Growth:-0.9;Quality:-0.8;Size:-0.3;Momentum:-0.4;LowVol:-0.9,,8,25,4.5,trailing 8%,175,23.2,Sideways,22.0,3.72,2.9,95,47,68,59,false,Rebalance,Shift +1% to bonds from equity,4,-18,BrokerD,VWAP,96,None,None,Normal monitoring,-12,-26,-27,5,false,Increase defensive factor exposure
P9468,Opportunistic,IRA,USD,2024-11-25,1258484,51354,1207130,1.0,76.4,10.5,8.3,4.8,BRK.B:21.6%;AMZN:21.6%;XLF:21.6%;VTI:17.5%;TLT:17.6%,US:66.0;EU:13.4;APAC:13.8;EM:4.5;Other:2.4,Value:-0.4;Growth:-0.5;Quality:+0.7;Size:+0.9;Momentum:+0.4;LowVol:+0.5,,7,25,4.6,trailing 7%,179,30.8,Sideways,15.8,3.53,3.5,103,8,45,63,false,NoAction,Within bands; monitor,-8,-24,BrokerB,LMT,100,None,None,Normal monitoring,18,-56,73,4,false,Within IPS guidelines
P9469,Hands-off,Roth,USD,2025-08-12,606212,49384,556828,1.0,67.5,24.1,0.0,8.5,AMZN:22.7%;BRK.B:22.7%;VNQ:14.2%;GLD:17.7%;BND:22.7%,US:67.9;EU:9.9;APAC:9.7;EM:8.3;Other:4.2,Value:+0.2;Growth:-0.1;Quality:+0.1;Size:+0.9;Momentum:-0.0;LowVol:+0.8,ESGOnly,7,35,5.1,hard 10%,136,19.0,Sideways,17.2,4.17,3.5,108,-9,38,51,false,Sell,Trim extended winner -1%,-10,-17,BrokerB,LMT,88,None,None,Normal monitoring,40,16,116,5,false,Monitor dispersion and breadth
P9470,Hands-off,Taxable,USD,2025-10-10,832524,72338,760186,1.0,57.3,23.6,12.7,6.4,MUB:23.8%;XLF:26.5%;BND:26.5%;VTI:23.3%,US:57.7;EU:19.9;APAC:13.2;EM:4.5;Other:4.7,Value:+0.2;Growth:-0.8;Quality:+0.3;Size:-0.7;Momentum:-0.7;LowVol:+0.6,ESGOnly,5,25,4.4,hard 10%,147,15.7,Volatile,20.2,5.44,3.1,167,-40,17,54,false,Rebalance,Shift +1% to bonds from equity,29,-31,BrokerC,MKT,92,None,None,Normal monitoring,87,-53,135,5,false,Tighten stops on momentum names
P9471,Active,Trust,USD,2025-10-15,860900,80672,780228,1.0,60.7,22.1,10.2,7.1,QQQ:9.8%;GLD:23.7%;IEF:8.2%;MSFT:23.7%;TSLA:11.6%;XLF:23.0%,US:59.3;EU:18.8;APAC:7.0;EM:9.6;Other:5.2,Value:-0.7;Growth:-0.9;Quality:+0.7;Size:+0.9;Momentum:+0.4;LowVol:-0.2,,6,25,4.8,trailing 9%,168,22.4,Bull,12.2,4.7,3.2,89,81,96,37,false,Rebalance,Shift +1% to bonds from equity,-9,-24,BrokerC,LMT,89,None,None,Normal monitoring,54,18,188,5,false,Tax-aware sells next window
P9472,Systematic,Roth,USD,2025-09-02,1595460,68960,1526500,1.0,68.1,23.6,1.0,7.4,MUB:8.1%;QQQ:20.9%;TLT:19.3%;AMZN:20.9%;TSLA:20.1%;GLD:10.6%,US:71.5;EU:10.9;APAC:8.1;EM:8.1;Other:1.5,Value:+0.4;Growth:-0.4;Quality:+0.8;Size:+0.2;Momentum:+0.8;LowVol:-0.2,MaxPos5%;NoDerivatives,5,25,4.2,trailing 9%,166,26.6,Sideways,15.1,3.95,2.3,125,56,78,51,false,Rebalance,Shift +1% to bonds from equity,-4,-9,BrokerC,LMT,88,None,None,Normal monitoring,9,-12,132,3,false,Within IPS guidelines
P9473,Systematic,Taxable,USD,2025-06-03,711137,44097,667040,1.0,65.0,26.1,0.0,8.9,HYG:22.2%;AMZN:21.6%;XLF:18.5%;QQQ:15.5%;AAPL:22.2%,US:74.4;EU:9.3;APAC:9.7;EM:6.0;Other:0.6,Value:+0.3;Growth:+0.4;Quality:+0.7;Size:-0.4;Momentum:-0.3;LowVol:-0.0,MaxPos7%,5,35,4.6,trailing 8%,128,21.9,Bull,12.8,4.56,2.1,94,32,64,47,false,Hedge,Add TLT +1% as duration hedge,19,-8,BrokerB,MKT,100,None,None,Normal monitoring,20,-5,97,3,false,Tighten stops on momentum names
P9474,Cautious,Taxable,USD,2025-12-09,336910,45872,291038,1.0,35.9,39.0,14.9,10.2,HYG:12.0%;VNQ:21.2%;VTI:21.2%;XLF:12.2%;AMZN:17.6%;MSFT:15.8%,US:74.5;EU:13.6;APAC:6.2;EM:3.7;Other:2.0,Value:+0.8;Growth:-0.2;Quality:+1.0;Size:-0.1;Momentum:+0.1;LowVol:-0.0,NoMargin,5,35,4.0,trailing 10%,108,12.0,Bear,28.9,3.79,2.9,186,-19,25,51,false,Sell,Trim extended winner -1%,6,12,BrokerC,MKT,97,None,None,Normal monitoring,-6,0,-30,4,false,Tighten stops on momentum names
P9475,Hands-off,401k,USD,2025-04-25,734280,59984,674296,1.0,59.7,24.5,10.3,5.6,VNQ:29.2%;VOO:29.2%;TSLA:12.5%;XLF:29.2%,US:69.9;EU:9.8;APAC:10.8;EM:8.3;Other:1.2,Value:-0.4;Growth:0.0;Quality:+0.9;Size:-1.0;Momentum:-0.4;LowVol:-0.5,MaxPos6%,10,35,3.1,trailing 8%,115,19.2,Bull,15.7,3.91,2.1,109,53,77,41,true,Reduce,"Cut high-beta by 2-3%, add cash",-14,-21,BrokerB,MKT,89,VAR>budget,Reduce,Risk above budget threshold,61,14,127,4,false,Increase defensive factor exposure
P9476,Active,Trust,USD,2024-09-13,2089221,238821,1850400,1.0,56.8,19.9,15.0,8.3,AAPL:17.1%;TSLA:8.1%;HYG:21.0%;VTI:15.9%;QQQ:18.7%;BND:19.3%,US:68.1;EU:8.4;APAC:16.0;EM:7.4;Other:0.1,Value:+0.6;Growth:+0.5;Quality:+0.4;Size:+0.8;Momentum:-0.3;LowVol:-0.7,,6,35,5.6,trailing 9%,226,25.7,Bull,12.1,3.8,2.2,84,105,94,32,false,Sell,Trim extended winner -1%,6,-18,BrokerB,MKT,89,None,None,Normal monitoring,27,-7,124,3,false,Within IPS guidelines
P9477,Opportunistic,Taxable,USD,2025-01-16,936315,61232,875083,1.0,63.4,10.5,18.4,7.8,BRK.B:22.1%;GLD:22.1%;VTI:22.1%;QQQ:17.1%;XLF:16.7%,US:75.6;EU:13.7;APAC:6.1;EM:4.3;Other:0.3,Value:+0.4;Growth:+0.2;Quality:-0.9;Size:-0.1;Momentum:+0.4;LowVol:-0.4,,10,35,4.5,hard 12%,261,33.7,Bull,16.7,4.13,2.8,102,84,90,48,false,Rebalance,Shift +1% to bonds from equity,-14,-5,BrokerB,LMT,92,None,None,Normal monitoring,81,-25,144,4,false,Monitor dispersion and breadth
P9478,Active,Taxable,USD,2025-08-15,734035,72908,661127,1.0,62.9,21.4,9.0,6.6,TLT:22.6%;VOO:25.0%;HYG:25.0%;BRK.B:14.3%;VNQ:13.1%,US:66.6;EU:13.1;APAC:7.7;EM:8.4;Other:4.3,Value:+0.3;Growth:+0.6;Quality:-0.7;Size:+0.2;Momentum:-0.1;LowVol:+0.4,,8,25,5.0,trailing 8%,175,21.8,Bear,30.4,4.25,1.0,186,-76,23,71,true,Reduce,"Cut high-beta by 2-3%, add cash",10,-31,BrokerD,LMT,94,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-35,-49,0,5,false,Within IPS guidelines
P9479,Cautious,Roth,USD,2025-10-05,859369,81896,777473,1.0,48.4,40.2,0.0,11.4,AAPL:33.3%;VTI:33.3%;VNQ:33.3%,US:62.0;EU:11.6;APAC:11.4;EM:12.1;Other:2.8,Value:-0.7;Growth:+0.1;Quality:-0.6;Size:-0.2;Momentum:-0.0;LowVol:-1.0,ESGOnly;MaxPos8%;NoDerivatives;NoMargin,5,25,3.1,hard 10%,101,15.5,Bull,14.5,4.85,2.7,87,21,46,48,false,Rebalance,Shift +1% to bonds from equity,-14,8,BrokerA,MKT,96,None,None,Normal monitoring,-17,-27,77,3,false,Tax-aware sells next window
P9480,Active,Trust,USD,2025-02-04,764907,71211,693696,1.23,68.3,23.1,1.1,7.5,TLT:24.1%;TSLA:25.3%;MUB:25.3%;BND:25.3%,US:67.9;EU:15.4;APAC:13.0;EM:3.3;Other:0.4,Value:-0.6;Growth:-0.8;Quality:+0.9;Size:+0.3;Momentum:-0.4;LowVol:-0.9,,10,25,4.1,trailing 8%,212,27.2,Volatile,31.9,4.88,3.6,121,19,59,83,true,Hedge,Buy index puts 1% notional,18,-7,BrokerD,VWAP,96,Drift>tolerance,Reduce,Allocation drift beyond policy bands,37,-1,22,2,false,Tighten stops on momentum names
P9481,Systematic,Trust,USD,2024-09-02,1998841,128965,1869876,1.0,59.0,22.1,10.4,8.5,MSFT:16.4%;AMZN:23.6%;VOO:15.1%;VTI:23.6%;BND:21.3%,US:66.3;EU:17.6;APAC:6.2;EM:5.1;Other:4.9,Value:-0.4;Growth:-0.7;Quality:+0.7;Size:0.0;Momentum:+0.8;LowVol:-0.2,NoDerivatives,6,35,5.4,trailing 8%,129,24.4,Bear,27.3,3.26,2.2,144,-73,22,64,false,Rebalance,Shift +1% to bonds from equity,25,-13,BrokerC,LMT,87,None,None,Normal monitoring,-11,-20,-19,5,false,Within IPS guidelines
P9482,Hands-off,Trust,USD,2025-03-12,342617,21661,320956,1.0,68.8,21.8,0.0,9.5,HYG:24.0%;AMZN:26.4%;GLD:23.2%;VTI:26.4%,US:62.1;EU:12.4;APAC:12.2;EM:9.2;Other:4.1,Value:+0.1;Growth:-0.1;Quality:+0.3;Size:+0.6;Momentum:-0.9;LowVol:+0.7,MaxPos7%,6,35,5.4,hard 10%,101,14.7,Volatile,28.5,5.34,3.6,124,-51,17,79,true,Hedge,Buy index puts 1% notional,26,-38,BrokerC,MKT,87,VAR>budget,Reduce,Risk above budget threshold,54,-35,86,3,false,Monitor dispersion and breadth
P9483,Systematic,Roth,USD,2025-03-30,1223580,107511,1116069,1.0,65.7,25.3,2.5,6.5,TLT:21.0%;GLD:21.0%;IEF:21.0%;VNQ:16.1%;VTI:21.0%,US:58.2;EU:14.7;APAC:14.1;EM:9.3;Other:3.7,Value:+0.9;Growth:-0.9;Quality:-0.8;Size:+0.1;Momentum:-0.5;LowVol:-0.7,MaxPos7%;NoDerivatives,5,35,5.1,trailing 9%,121,17.1,Volatile,26.9,5.31,4.2,135,22,69,72,true,Reduce,"Cut high-beta by 2-3%, add cash",17,-25,BrokerC,MKT,85,Drift>tolerance,Hedge,Allocation drift beyond policy bands,33,-46,136,4,false,Tax-aware sells next window
P9484,Opportunistic,401k,USD,2025-02-09,1068344,63799,1004545,1.0,72.2,12.8,8.2,6.8,HYG:33.3%;AAPL:33.3%;BRK.B:33.3%,US:64.5;EU:11.8;APAC:9.6;EM:9.4;Other:4.7,Value:-1.0;Growth:-0.6;Quality:-0.1;Size:0.0;Momentum:+0.5;LowVol:-0.2,NoDerivatives,6,35,5.2,trailing 7%,174,34.5,Bear,22.0,4.16,2.2,199,-61,9,71,true,Reduce,"Cut high-beta by 2-3%, add cash",10,-23,BrokerC,LMT,89,Drift>tolerance,Hedge,Allocation drift beyond policy bands,69,-34,98,2,false,Tighten stops on momentum names
P9485,Active,Roth,USD,2025-07-25,2176929,186214,1990715,1.0,58.3,29.2,6.8,5.7,IEF:11.1%;QQQ:17.9%;MSFT:13.8%;HYG:17.2%;BND:20.1%;VOO:19.9%,US:59.8;EU:19.0;APAC:8.4;EM:10.4;Other:2.4,Value:-0.7;Growth:-0.4;Quality:0.0;Size:+0.9;Momentum:-0.5;LowVol:+0.8,NoDerivatives,5,35,4.2,trailing 9%,142,24.4,Bear,23.8,3.12,3.0,192,-39,43,69,true,Hedge,Buy index puts 1% notional,18,-22,BrokerC,LMT,85,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-2,-14,-14,2,false,Tighten stops on momentum names
P9486,Systematic,IRA,USD,2024-11-18,1023308,75499,947809,1.0,60.7,33.3,0.0,6.0,BND:18.6%;VTI:20.9%;VNQ:30.3%;VOO:30.3%,US:76.0;EU:6.0;APAC:9.8;EM:4.4;Other:3.9,Value:-0.5;Growth:-0.5;Quality:+0.4;Size:-0.3;Momentum:+0.9;LowVol:+0.3,MaxPos7%;NoDerivatives,7,25,5.0,hard 12%,150,22.9,Sideways,15.5,4.79,2.5,127,1,36,40,false,Buy,Add to core equity +1%,-3,-1,BrokerD,LMT,97,None,None,Normal monitoring,50,-6,75,3,false,Tax-aware sells next window
P9487,Cautious,IRA,USD,2025-07-10,688650,96453,592197,1.0,50.0,35.5,0.0,14.5,HYG:27.1%;AMZN:27.1%;VOO:18.8%;AAPL:27.0%,US:60.0;EU:13.8;APAC:11.4;EM:11.0;Other:3.8,Value:-0.3;Growth:-0.5;Quality:+0.9;Size:-0.4;Momentum:+1.0;LowVol:+0.4,ESGOnly;NoMargin,5,35,4.9,hard 10%,130,14.4,Bull,17.6,4.82,2.2,73,58,70,36,false,Buy,Add to core equity +1%,5,-20,BrokerB,LMT,94,None,None,Normal monitoring,62,14,53,3,false,Within IPS guidelines
P9488,Hands-off,IRA,USD,2025-01-17,288174,23657,264517,1.0,65.8,25.0,3.0,6.2,VTI:10.9%;HYG:22.3%;TLT:14.5%;BND:12.2%;QQQ:22.3%;MUB:17.7%,US:69.1;EU:9.2;APAC:13.2;EM:4.0;Other:4.5,Value:-0.3;Growth:+0.4;Quality:-0.1;Size:+0.9;Momentum:+0.6;LowVol:-0.2,,5,25,3.7,trailing 10%,93,13.4,Sideways,17.4,3.7,2.1,116,14,52,45,false,Rebalance,Shift +1% to bonds from equity,-4,-30,BrokerB,MKT,90,None,None,Normal monitoring,-46,-4,-79,3,false,Increase defensive factor exposure
P9489,Cautious,Roth,USD,2025-01-12,754772,110550,644222,1.0,47.1,41.6,0.0,11.3,MSFT:33.3%;BRK.B:33.3%;TLT:33.3%,US:65.1;EU:13.4;APAC:6.4;EM:14.2;Other:1.0,Value:-0.7;Growth:+0.1;Quality:-0.2;Size:-0.4;Momentum:-0.1;LowVol:-0.8,MaxPos6%;NoDerivatives;NoMargin,6,30,5.6,trailing 8%,157,16.1,Bull,13.7,4.83,2.1,96,34,59,25,false,Rebalance,Shift +1% to bonds from equity,8,14,BrokerD,LMT,96,None,None,Normal monitoring,-57,19,-93,3,false,Monitor dispersion and breadth
P9490,Hands-off,Taxable,USD,2025-05-26,428732,21939,406793,1.0,68.2,23.8,0.0,8.0,HYG:21.7%;VOO:21.7%;AAPL:19.4%;TSLA:21.7%;VTI:15.5%,US:67.0;EU:8.8;APAC:14.5;EM:8.4;Other:1.2,Value:+0.6;Growth:-0.8;Quality:+0.9;Size:-0.1;Momentum:+0.3;LowVol:-0.5,,7,25,5.4,trailing 8%,94,16.3,Bear,28.8,3.88,1.8,172,18,49,80,true,Hedge,Buy index puts 1% notional,-9,8,BrokerC,LMT,99,Drift>tolerance,Reduce,Allocation drift beyond policy bands,67,4,145,5,false,Within IPS guidelines
P9491,Hands-off,Roth,USD,2024-10-11,333796,16146,317650,1.0,62.6,22.2,9.7,5.5,VOO:21.0%;AMZN:14.2%;BRK.B:13.4%;TSLA:12.6%;TLT:21.0%;HYG:17.8%,US:64.1;EU:20.5;APAC:6.7;EM:5.4;Other:3.3,Value:-0.6;Growth:-0.8;Quality:+0.4;Size:-0.2;Momentum:+1.0;LowVol:-1.0,ESGOnly;NoDerivatives,8,25,3.7,trailing 8%,98,17.8,Bull,14.0,3.92,3.0,98,34,76,40,false,Buy,Add to core equity +1%,26,2,BrokerC,MKT,87,None,None,Normal monitoring,-19,-53,17,3,false,Tighten stops on momentum names
P9492,Cautious,IRA,USD,2024-10-29,519537,53095,466442,1.0,36.7,34.6,10.8,17.9,AAPL:25.0%;XLF:25.0%;AMZN:25.0%;VNQ:25.0%,US:63.9;EU:10.2;APAC:16.9;EM:5.2;Other:3.9,Value:+0.6;Growth:-0.2;Quality:-0.8;Size:+0.1;Momentum:+0.7;LowVol:-0.3,ESGOnly;NoDerivatives;NoMargin,10,35,3.3,hard 10%,151,19.9,Bull,11.8,4.7,2.9,102,44,62,31,false,Rebalance,Shift +1% to bonds from equity,23,-4,BrokerD,LMT,95,None,None,Normal monitoring,58,-58,81,5,false,Increase defensive factor exposure
P9493,Hands-off,Trust,USD,2024-08-11,441951,36490,405461,1.0,61.2,29.1,4.2,5.5,VNQ:17.6%;MUB:21.1%;HYG:21.1%;XLF:17.2%;BRK.B:12.0%;GLD:10.9%,US:66.0;EU:11.2;APAC:9.9;EM:7.4;Other:5.5,Value:-0.4;Growth:-0.0;Quality:+0.1;Size:-0.1;Momentum:+0.5;LowVol:-0.4,ESGOnly,7,25,4.8,hard 10%,95,15.2,Volatile,21.6,4.11,4.1,148,-4,42,60,false,Rebalance,Shift +1% to bonds from equity,32,-4,BrokerA,MKT,91,None,None,Normal monitoring,53,-27,67,5,false,Tax-aware sells next window
P9494,Hands-off,Trust,USD,2024-12-24,379137,26997,352140,1.0,67.6,15.7,7.3,9.5,AMZN:33.3%;GLD:33.3%;HYG:33.3%,US:79.8;EU:7.3;APAC:6.7;EM:5.2;Other:1.0,Value:-0.2;Growth:+0.9;Quality:-0.8;Size:-0.2;Momentum:-0.2;LowVol:+0.7,ESGOnly;NoDerivatives,10,30,4.8,trailing 8%,127,13.1,Bull,11.0,4.41,3.4,75,98,93,48,false,Buy,Add to core equity +1%,7,-17,BrokerC,LMT,89,None,None,Normal monitoring,-41,-28,82,5,false,Tax-aware sells next window
P9495,Hands-off,Roth,USD,2025-09-10,378619,35498,343121,1.0,70.0,23.6,0.0,6.4,VOO:26.5%;XLF:26.5%;TLT:26.5%;IEF:20.4%,US:62.3;EU:16.5;APAC:6.4;EM:10.6;Other:4.2,Value:-0.5;Growth:-0.7;Quality:-0.8;Size:+0.6;Momentum:+0.4;LowVol:+0.4,ESGOnly,6,35,5.5,trailing 8%,129,13.9,Volatile,26.3,4.9,2.4,180,5,44,74,true,Hedge,Buy index puts 1% notional,-7,-28,BrokerA,MKT,88,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-27,-52,13,5,false,Tighten stops on momentum names
P9496,Active,IRA,USD,2024-07-23,973543,110110,863433,1.0,63.5,26.4,1.6,8.6,VTI:33.3%;BRK.B:33.3%;VNQ:33.3%,US:57.8;EU:18.0;APAC:10.5;EM:11.4;Other:2.2,Value:-0.1;Growth:-1.0;Quality:-0.0;Size:+0.2;Momentum:-0.0;LowVol:-0.3,,7,25,5.4,trailing 9%,127,21.7,Bear,31.9,3.27,2.2,150,-36,46,76,true,Hedge,Buy index puts 1% notional,22,-19,BrokerD,MKT,100,VAR>budget,Reduce,Risk above budget threshold,90,-44,224,5,false,Monitor dispersion and breadth
P9497,Opportunistic,Roth,USD,2025-07-22,511550,30400,481150,1.0,70.3,14.5,7.1,8.0,HYG:25.9%;AMZN:22.3%;BND:25.9%;MSFT:25.9%,US:68.8;EU:18.4;APAC:5.8;EM:5.8;Other:1.2,Value:-1.0;Growth:-0.8;Quality:+0.2;Size:+0.2;Momentum:+0.5;LowVol:+0.1,MaxPos8%,7,25,6.5,trailing 9%,186,20.3,Bear,34.0,3.6,2.0,179,-38,46,91,true,Hedge,Buy index puts 1% notional,-12,-7,BrokerB,MKT,85,VAR>budget,Hedge,Risk above budget threshold,-37,-54,-46,2,false,Within IPS guidelines
P9498,Hands-off,401k,USD,2025-12-10,771518,51904,719614,1.0,59.4,26.1,7.6,6.8,VNQ:34.0%;HYG:34.0%;AMZN:32.1%,US:66.0;EU:11.9;APAC:13.3;EM:4.5;Other:4.2,Value:-0.9;Growth:-0.8;Quality:0.0;Size:+0.4;Momentum:+0.7;LowVol:+0.2,MaxPos5%,10,25,4.2,hard 10%,96,14.3,Bull,17.8,4.35,3.0,96,120,100,60,false,Rebalance,Shift +1% to bonds from equity,15,-25,BrokerB,MKT,90,None,None,Normal monitoring,-28,16,15,4,false,Increase defensive factor exposure
P9499,Cautious,401k,USD,2025-06-05,542714,76029,466685,1.0,48.1,41.7,0.0,10.2,BRK.B:33.3%;MSFT:33.3%;QQQ:33.3%,US:72.3;EU:5.3;APAC:9.2;EM:11.2;Other:2.1,Value:-0.4;Growth:+0.1;Quality:-0.5;Size:-0.4;Momentum:+0.7;LowVol:-0.7,ESGOnly;NoMargin,7,25,5.8,trailing 8%,167,13.6,Bull,17.7,4.99,3.3,111,35,65,37,false,Buy,Add to core equity +1%,28,-15,BrokerA,MKT,85,None,None,Normal monitoring,-34,-2,-68,5,false,Increase defensive factor exposure
P9500,Hands-off,IRA,USD,2024-08-05,433264,38202,395062,1.0,68.1,23.1,0.0,8.8,GLD:19.0%;VTI:15.3%;MSFT:13.6%;XLF:10.5%;TSLA:20.8%;TLT:20.8%,US:63.1;EU:17.0;APAC:13.6;EM:5.6;Other:0.6,Value:-0.6;Growth:+0.1;Quality:-0.6;Size:-0.7;Momentum:+1.0;LowVol:+0.1,MaxPos6%;NoDerivatives,10,35,3.5,trailing 8%,98,17.5,Bull,17.4,4.07,3.3,73,48,84,59,false,Buy,Add to core equity +1%,3,-31,BrokerB,LMT,87,None,None,Normal monitoring,54,-31,20,4,false,Tighten stops on momentum names
P9501,Active,IRA,USD,2024-12-15,892308,79456,812852,1.16,61.0,31.4,0.9,6.7,AAPL:10.4%;MSFT:18.1%;AMZN:21.6%;IEF:21.6%;VOO:13.0%;VTI:15.2%,US:76.0;EU:5.4;APAC:10.9;EM:6.4;Other:1.2,Value:-0.6;Growth:+0.7;Quality:+0.6;Size:-0.7;Momentum:-0.8;LowVol:-0.4,NoDerivatives,6,25,5.5,trailing 8%,207,24.5,Volatile,21.1,3.8,2.9,123,-38,30,48,false,Rebalance,Shift +1% to bonds from equity,25,12,BrokerB,MKT,93,None,None,Normal monitoring,21,-53,156,4,false,Monitor dispersion and breadth
P9502,Active,Taxable,USD,2025-09-05,1625084,189111,1435973,1.0,67.3,27.7,0.0,5.0,TLT:23.1%;AAPL:15.7%;MUB:23.1%;MSFT:21.7%;VTI:16.3%,US:70.1;EU:12.0;APAC:11.4;EM:6.0;Other:0.6,Value:-0.7;Growth:+0.2;Quality:-0.7;Size:+0.4;Momentum:+0.5;LowVol:-0.8,,10,35,4.7,hard 12%,144,22.2,Sideways,15.1,3.7,2.4,132,46,76,42,false,Buy,Add to core equity +1%,3,-1,BrokerA,LMT,99,None,None,Normal monitoring,96,17,206,4,false,Within IPS guidelines
P9503,Cautious,Roth,USD,2025-04-16,342073,38307,303766,1.0,37.4,40.8,10.7,11.2,AAPL:13.9%;BRK.B:16.1%;IEF:15.0%;TLT:15.8%;QQQ:15.0%;AMZN:24.1%,US:73.1;EU:12.2;APAC:8.2;EM:5.9;Other:0.6,Value:-0.9;Growth:+0.5;Quality:+0.5;Size:-0.7;Momentum:-0.3;LowVol:+0.8,NoMargin,10,25,5.2,hard 10%,131,13.6,Volatile,25.6,4.7,4.1,118,38,76,49,false,Sell,Trim extended winner -1%,15,-29,BrokerA,LMT,87,None,None,Normal monitoring,0,1,112,5,false,Monitor dispersion and breadth
P9504,Active,Roth,USD,2025-08-15,801997,83024,718973,1.16,59.8,26.4,6.2,7.5,MSFT:16.4%;AAPL:27.9%;BND:27.9%;HYG:27.9%,US:68.0;EU:11.9;APAC:8.5;EM:9.0;Other:2.6,Value:-0.1;Growth:+0.2;Quality:+0.9;Size:+0.1;Momentum:+0.5;LowVol:+0.1,,8,30,4.6,trailing 8%,186,17.8,Bear,28.7,3.13,2.5,215,-3,61,80,true,Rebalance,Rebalance back to target bands,-4,6,BrokerC,MKT,99,Drift>tolerance,Reduce,Allocation drift beyond policy bands,35,-3,147,4,false,Increase defensive factor exposure
P9505,Systematic,IRA,USD,2024-11-29,1965209,152526,1812683,1.0,64.4,29.2,0.0,6.4,VTI:24.1%;XLF:16.7%;HYG:11.0%;VOO:24.1%;TLT:24.1%,US:70.1;EU:13.2;APAC:8.0;EM:5.4;Other:3.2,Value:+0.4;Growth:+0.2;Quality:-0.7;Size:+0.9;Momentum:+0.3;LowVol:+0.9,,7,25,5.1,trailing 9%,225,22.4,Volatile,30.2,4.71,2.2,167,-22,35,75,true,Rebalance,Rebalance back to target bands,-3,-31,BrokerB,LMT,90,Drift>tolerance,Hedge,Allocation drift beyond policy bands,46,-60,13,2,false,Monitor dispersion and breadth
P9506,Hands-off,Roth,USD,2024-12-14,468873,35132,433741,1.0,68.1,23.7,0.0,8.2,MUB:17.5%;XLF:21.3%;AMZN:10.3%;QQQ:19.3%;VNQ:20.9%;TSLA:10.8%,US:67.3;EU:9.6;APAC:11.4;EM:9.8;Other:1.9,Value:+1.0;Growth:-0.3;Quality:-0.9;Size:-0.7;Momentum:+0.4;LowVol:-0.4,ESGOnly;MaxPos5%,8,35,5.9,trailing 8%,91,18.0,Bear,33.6,4.34,1.4,152,-41,24,84,true,Reduce,"Cut high-beta by 2-3%, add cash",22,-9,BrokerA,LMT,100,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-12,3,-30,2,false,Tighten stops on momentum names
P9507,Systematic,IRA,USD,2024-11-18,1552618,154035,1398583,1.0,57.3,33.5,0.8,8.4,HYG:33.3%;MSFT:33.3%;VOO:33.3%,US:69.7;EU:18.0;APAC:5.4;EM:6.2;Other:0.8,Value:+0.1;Growth:-0.4;Quality:-0.5;Size:+0.8;Momentum:-0.5;LowVol:-0.5,,8,25,5.6,trailing 9%,201,16.2,Bull,13.9,4.13,3.3,99,64,76,45,false,Rebalance,Shift +1% to bonds from equity,-9,-25,BrokerA,MKT,99,None,None,Normal monitoring,14,-11,66,3,false,Tax-aware sells next window
P9508,Systematic,401k,USD,2025-09-11,1039153,70891,968262,1.0,62.7,21.1,8.9,7.4,VOO:25.0%;QQQ:25.0%;TLT:25.0%;HYG:25.0%,US:53.9;EU:20.1;APAC:15.4;EM:9.3;Other:1.3,Value:+0.4;Growth:+0.8;Quality:-0.5;Size:+0.8;Momentum:-0.7;LowVol:+0.3,,6,25,4.7,trailing 9%,187,18.0,Volatile,24.9,4.7,3.5,125,46,61,70,false,Rebalance,Shift +1% to bonds from equity,-9,-31,BrokerA,MKT,85,None,None,Normal monitoring,6,-32,54,5,false,Within IPS guidelines
P9509,Cautious,Trust,USD,2025-10-13,412740,33731,379009,1.0,50.1,30.6,7.6,11.7,QQQ:22.4%;XLF:22.4%;GLD:22.4%;VOO:14.6%;AAPL:18.2%,US:67.2;EU:9.6;APAC:11.2;EM:7.2;Other:4.8,Value:-0.5;Growth:-0.6;Quality:+0.6;Size:-0.5;Momentum:+0.9;LowVol:+0.3,NoMargin,8,25,6.0,trailing 10%,130,14.1,Bull,15.7,4.66,2.5,111,85,99,46,true,Reduce,"Cut high-beta by 2-3%, add cash",-5,-23,BrokerB,LMT,94,Drift>tolerance,Hedge,Allocation drift beyond policy bands,11,14,67,2,false,Tax-aware sells next window
P9510,Active,Taxable,USD,2024-09-15,603999,38673,565326,1.0,62.4,18.7,12.1,6.7,HYG:22.9%;AMZN:23.7%;VNQ:23.7%;GLD:19.0%;AAPL:10.6%,US:60.4;EU:11.8;APAC:14.1;EM:8.7;Other:5.1,Value:+0.6;Growth:+0.2;Quality:-0.9;Size:+0.6;Momentum:+0.7;LowVol:+0.8,,6,30,4.1,trailing 9%,171,25.5,Bull,14.5,3.69,2.6,114,12,41,40,false,Buy,Add to core equity +1%,-8,-39,BrokerD,LMT,94,None,None,Normal monitoring,98,-17,132,5,false,Tighten stops on momentum names
P9511,Cautious,Trust,USD,2025-04-08,829140,126232,702908,1.0,44.4,30.5,8.1,17.0,BND:21.5%;GLD:21.5%;TSLA:14.1%;MUB:21.5%;TLT:21.5%,US:73.9;EU:9.0;APAC:9.3;EM:4.0;Other:3.8,Value:+0.4;Growth:-0.9;Quality:-0.0;Size:+0.3;Momentum:+0.5;LowVol:+0.3,NoMargin,7,25,5.3,trailing 8%,94,14.9,Volatile,31.7,4.98,3.4,153,-1,52,65,false,Rebalance,Shift +1% to bonds from equity,14,-13,BrokerD,MKT,100,None,None,Normal monitoring,79,17,54,3,false,Tighten stops on momentum names
P9512,Active,401k,USD,2024-12-02,2488195,245823,2242372,1.0,54.8,22.7,16.2,6.3,XLF:33.3%;IEF:33.3%;QQQ:33.3%,US:63.8;EU:9.6;APAC:13.7;EM:9.4;Other:3.4,Value:+0.4;Growth:-0.8;Quality:-0.4;Size:-0.7;Momentum:+0.8;LowVol:+0.2,,10,25,5.0,hard 12%,124,20.3,Sideways,18.7,4.48,2.8,128,52,81,57,false,Sell,Trim extended winner -1%,-5,10,BrokerA,LMT,91,None,None,Normal monitoring,-24,-21,27,5,false,Within IPS guidelines
P9513,Active,401k,USD,2025-11-03,2487387,254702,2232685,1.0,61.7,19.8,9.9,8.6,TLT:25.8%;AAPL:22.5%;MUB:25.8%;IEF:25.8%,US:68.7;EU:12.4;APAC:13.3;EM:4.6;Other:1.0,Value:-0.3;Growth:+0.8;Quality:+1.0;Size:-1.0;Momentum:+0.5;LowVol:+0.9,MaxPos7%,5,25,5.3,hard 12%,179,18.8,Sideways,17.7,4.38,2.2,97,36,80,52,false,Sell,Trim extended winner -1%,2,5,BrokerB,LMT,98,None,None,Normal monitoring,73,-3,45,5,false,Monitor dispersion and breadth
P9514,Active,Trust,USD,2025-01-13,684746,71219,613527,1.0,50.7,26.3,14.6,8.3,IEF:25.0%;VTI:25.0%;MUB:25.0%;BND:25.0%,US:65.8;EU:8.5;APAC:12.7;EM:8.7;Other:4.3,Value:+0.8;Growth:+0.2;Quality:-0.5;Size:-0.5;Momentum:-0.7;LowVol:-1.0,MaxPos6%,6,25,5.3,trailing 9%,210,25.8,Bull,17.0,3.75,3.1,70,18,60,39,false,Rebalance,Shift +1% to bonds from equity,22,-10,BrokerC,MKT,85,None,None,Normal monitoring,56,7,154,3,false,Monitor dispersion and breadth
P9515,Hands-off,Trust,USD,2025-02-13,223825,15399,208426,1.0,63.9,24.4,4.6,7.1,MUB:36.7%;IEF:26.5%;AAPL:36.7%,US:63.1;EU:13.6;APAC:13.7;EM:6.4;Other:3.2,Value:-0.3;Growth:-0.1;Quality:-0.3;Size:+0.9;Momentum:-0.3;LowVol:-0.0,ESGOnly;MaxPos5%;NoDerivatives,10,30,4.7,hard 10%,100,17.2,Volatile,23.1,4.6,2.0,152,59,86,61,false,Rebalance,Shift +1% to bonds from equity,-1,-39,BrokerC,MKT,92,None,None,Normal monitoring,71,-30,192,3,false,Tax-aware sells next window
P9516,Cautious,Taxable,USD,2025-12-26,443406,35817,407589,1.0,49.9,33.3,6.1,10.7,XLF:14.7%;IEF:21.9%;TLT:21.9%;GLD:21.9%;VNQ:19.6%,US:63.7;EU:16.2;APAC:9.6;EM:10.2;Other:0.2,Value:-0.7;Growth:-0.3;Quality:+1.0;Size:+0.6;Momentum:-0.8;LowVol:-0.9,ESGOnly;NoMargin,10,30,4.7,trailing 8%,129,14.5,Volatile,31.1,5.01,4.0,140,43,57,75,true,Reduce,"Cut high-beta by 2-3%, add cash",34,13,BrokerA,LMT,86,VAR>budget,Reduce,Risk above budget threshold,19,-41,143,3,false,Tighten stops on momentum names
P9517,Cautious,401k,USD,2025-12-08,647615,63979,583636,1.0,38.0,31.5,17.9,12.6,IEF:22.8%;MUB:18.2%;HYG:15.5%;TSLA:20.6%;VTI:22.8%,US:55.0;EU:17.9;APAC:11.9;EM:10.9;Other:4.3,Value:+0.3;Growth:-0.8;Quality:+0.5;Size:+0.6;Momentum:-0.1;LowVol:-0.7,MaxPos6%;NoMargin,10,25,3.8,hard 10%,136,17.5,Bear,32.4,3.04,2.9,209,24,70,60,false,Rebalance,Shift +1% to bonds from equity,-8,-30,BrokerC,LMT,92,None,None,Normal monitoring,115,-8,82,4,false,Tax-aware sells next window
P9518,Cautious,Taxable,USD,2025-11-24,220008,30222,189786,1.0,35.6,41.0,11.3,12.0,AMZN:33.3%;MUB:33.3%;QQQ:33.3%,US:68.4;EU:15.1;APAC:11.6;EM:4.1;Other:0.8,Value:-0.3;Growth:+0.6;Quality:+0.1;Size:+0.5;Momentum:-0.7;LowVol:-0.5,MaxPos6%;NoDerivatives;NoMargin,7,30,4.4,trailing 10%,159,15.9,Volatile,23.0,5.19,2.1,137,2,60,45,false,Rebalance,Shift +1% to bonds from equity,2,1,BrokerC,LMT,91,None,None,Normal monitoring,108,-7,140,5,false,Tax-aware sells next window
P9519,Cautious,Trust,USD,2025-08-26,778261,100015,678246,1.0,43.1,37.2,6.8,12.8,BND:33.3%;BRK.B:33.3%;AAPL:33.3%,US:64.7;EU:12.2;APAC:13.5;EM:4.9;Other:4.8,Value:-0.2;Growth:-0.2;Quality:+1.0;Size:+0.2;Momentum:+0.2;LowVol:+0.8,NoDerivatives;NoMargin,6,35,5.0,trailing 10%,99,18.2,Bull,17.5,4.61,3.0,100,72,96,38,false,Rebalance,Shift +1% to bonds from equity,3,9,BrokerB,MKT,90,None,None,Normal monitoring,15,-23,115,3,false,Within IPS guidelines
P9520,Cautious,IRA,USD,2025-10-15,632155,53203,578952,1.0,36.8,44.5,2.0,16.8,HYG:23.3%;GLD:20.3%;BRK.B:28.2%;BND:28.2%,US:60.6;EU:17.6;APAC:7.6;EM:13.3;Other:0.8,Value:-0.1;Growth:-0.8;Quality:+0.4;Size:+0.4;Momentum:-0.4;LowVol:-0.8,MaxPos8%;NoMargin,6,35,5.1,hard 10%,144,13.5,Volatile,28.6,4.31,3.7,156,-14,50,67,false,Sell,Trim extended winner -1%,15,-23,BrokerC,VWAP,98,None,None,Normal monitoring,28,-41,133,5,false,Tax-aware sells next window
P9521,Cautious,Taxable,USD,2024-12-25,524928,44315,480613,1.0,48.7,38.8,1.6,10.8,QQQ:26.6%;MSFT:26.6%;VOO:25.5%;IEF:21.4%,US:63.8;EU:19.8;APAC:12.8;EM:3.6;Other:0.0,Value:+0.1;Growth:+1.0;Quality:+0.3;Size:-0.7;Momentum:+0.8;LowVol:-0.6,NoDerivatives;NoMargin,5,30,5.3,trailing 10%,130,15.5,Volatile,20.2,5.18,4.4,113,9,43,41,false,Rebalance,Shift +1% to bonds from equity,3,-16,BrokerD,LMT,93,None,None,Normal monitoring,-6,-39,131,5,false,Tax-aware sells next window
P9522,Cautious,Taxable,USD,2024-12-16,799943,81219,718724,1.0,38.8,31.5,11.9,17.8,VOO:23.6%;GLD:23.6%;AAPL:23.6%;BND:16.7%;TSLA:12.4%,US:71.1;EU:13.4;APAC:5.5;EM:8.0;Other:2.0,Value:-0.1;Growth:-0.8;Quality:-0.4;Size:0.0;Momentum:+0.3;LowVol:-0.5,NoDerivatives;NoMargin,7,30,3.5,trailing 10%,122,15.3,Bear,27.3,4.3,2.7,183,-29,46,47,false,NoAction,Within bands; monitor,-11,-19,BrokerC,VWAP,86,None,None,Normal monitoring,-51,20,-38,5,false,Within IPS guidelines
P9523,Opportunistic,IRA,USD,2025-11-21,1054866,39030,1015836,1.0,67.1,15.9,10.7,6.2,QQQ:22.3%;VTI:22.3%;IEF:22.3%;MSFT:13.5%;TSLA:19.5%,US:71.1;EU:15.3;APAC:5.4;EM:7.3;Other:0.9,Value:+0.7;Growth:0.0;Quality:-0.3;Size:-0.3;Momentum:-0.9;LowVol:+0.1,MaxPos7%,6,30,4.8,trailing 7%,273,30.8,Bull,14.0,4.81,2.6,85,81,89,55,false,Buy,Add to core equity +1%,32,-9,BrokerC,MKT,95,None,None,Normal monitoring,-18,-25,88,4,false,Within IPS guidelines
P9524,Systematic,Trust,USD,2025-04-26,1579087,102066,1477021,1.0,65.5,27.2,0.0,7.3,GLD:21.0%;MUB:23.0%;MSFT:23.0%;HYG:23.0%;VNQ:10.1%,US:56.8;EU:22.2;APAC:8.2;EM:8.4;Other:4.4,Value:-0.2;Growth:-0.5;Quality:-0.1;Size:-0.5;Momentum:+0.4;LowVol:-0.9,,8,25,4.2,trailing 9%,208,19.9,Bull,16.7,3.78,2.9,72,108,100,44,false,NoAction,Within bands; monitor,-7,7,BrokerA,MKT,0,None,None,Normal monitoring,83,0,121,5,false,Tighten stops on momentum names
P9525,Opportunistic,Taxable,USD,2025-09-26,855750,32433,823317,1.0,64.6,16.8,11.8,6.8,AAPL:14.9%;TSLA:24.6%;VOO:19.0%;VNQ:24.6%;HYG:16.9%,US:74.4;EU:10.4;APAC:6.1;EM:5.5;Other:3.5,Value:-0.0;Growth:+0.4;Quality:-0.2;Size:-0.2;Momentum:-0.7;LowVol:-1.0,NoDerivatives,8,25,5.2,trailing 7%,191,32.2,Volatile,25.0,4.83,2.7,170,39,64,65,false,Rebalance,Shift +1% to bonds from equity,34,-20,BrokerC,LMT,93,None,None,Normal monitoring,99,-40,76,3,false,Tax-aware sells next window
P9526,Hands-off,Roth,USD,2025-03-29,422535,38992,383543,1.0,64.1,25.8,3.7,6.4,AAPL:22.9%;TLT:22.9%;BND:9.2%;IEF:12.0%;BRK.B:15.9%;VNQ:17.2%,US:69.6;EU:7.5;APAC:9.5;EM:10.6;Other:2.8,Value:+0.5;Growth:-0.9;Quality:0.0;Size:-0.7;Momentum:-0.4;LowVol:-0.1,MaxPos6%;NoDerivatives,8,35,4.1,trailing 8%,167,19.4,Sideways,15.4,4.12,2.6,90,40,65,45,false,Rebalance,Shift +1% to bonds from equity,-12,-16,BrokerA,LMT,91,None,None,Normal monitoring,-43,13,37,3,false,Tighten stops on momentum names
P9527,Opportunistic,401k,USD,2024-08-17,1796048,158553,1637495,1.0,73.2,19.4,0.2,7.2,AAPL:26.7%;QQQ:26.7%;TLT:26.7%;VNQ:20.0%,US:70.4;EU:9.0;APAC:12.9;EM:4.4;Other:3.2,Value:+0.8;Growth:+0.1;Quality:+0.6;Size:+0.7;Momentum:-0.1;LowVol:-0.3,NoDerivatives,7,35,4.2,hard 12%,222,23.2,Bull,11.5,3.55,3.0,83,118,100,49,false,Rebalance,Shift +1% to bonds from equity,-1,9,BrokerA,MKT,91,None,None,Normal monitoring,74,-29,98,3,false,Increase defensive factor exposure
P9528,Systematic,Taxable,USD,2025-04-29,1476703,66294,1410409,1.0,60.1,20.1,10.4,9.3,QQQ:18.9%;MUB:14.2%;TSLA:16.4%;VOO:18.8%;BND:18.2%;IEF:13.6%,US:74.3;EU:5.8;APAC:9.0;EM:8.0;Other:3.0,Value:-0.7;Growth:-0.2;Quality:-0.5;Size:+0.4;Momentum:-0.4;LowVol:-0.2,NoDerivatives,6,35,5.0,trailing 8%,168,20.1,Volatile,20.9,4.9,4.5,168,77,83,49,false,Sell,Trim extended winner -1%,-14,10,BrokerD,LMT,86,None,None,Normal monitoring,39,10,30,3,false,Tax-aware sells next window
P9529,Cautious,IRA,USD,2025-03-24,568977,56116,512861,1.0,46.8,39.5,0.0,13.6,MSFT:27.1%;VTI:27.1%;BRK.B:19.2%;GLD:26.6%,US:67.7;EU:12.7;APAC:5.8;EM:10.2;Other:3.6,Value:+0.6;Growth:0.0;Quality:+0.9;Size:+1.0;Momentum:-0.8;LowVol:+0.6,NoMargin,5,25,5.1,hard 10%,104,14.4,Bull,15.0,4.19,3.0,72,107,93,40,false,Buy,Add to core equity +1%,3,-22,BrokerB,LMT,96,None,None,Normal monitoring,85,-13,188,5,false,Tax-aware sells next window
P9530,Cautious,Trust,USD,2025-10-03,757646,77168,680478,1.0,36.3,40.2,5.8,17.7,TLT:25.0%;GLD:25.0%;XLF:25.0%;HYG:25.0%,US:72.7;EU:6.5;APAC:9.2;EM:8.4;Other:3.2,Value:+0.8;Growth:-0.7;Quality:-0.4;Size:-0.3;Momentum:-1.0;LowVol:-0.6,ESGOnly;NoDerivatives;NoMargin,8,25,4.6,trailing 8%,159,14.6,Bull,14.0,4.99,2.9,87,53,69,34,false,NoAction,Within bands; monitor,-8,-13,BrokerC,LMT,96,None,None,Normal monitoring,119,18,186,5,false,Monitor dispersion and breadth
P9531,Hands-off,Trust,USD,2025-05-04,651264,57683,593581,1.0,65.6,18.5,9.0,6.9,VTI:10.6%;IEF:25.1%;BRK.B:13.0%;MUB:25.1%;TLT:15.7%;BND:10.5%,US:69.4;EU:13.3;APAC:10.6;EM:5.0;Other:1.7,Value:-0.2;Growth:-0.3;Quality:+0.7;Size:+0.7;Momentum:+0.4;LowVol:-0.9,ESGOnly,5,35,3.9,trailing 10%,149,17.0,Volatile,23.0,4.47,4.0,128,6,64,63,true,Reduce,"Cut high-beta by 2-3%, add cash",35,-4,BrokerC,MKT,93,VAR>budget,Reduce,Risk above budget threshold,94,5,150,3,false,Within IPS guidelines
P9532,Systematic,IRA,USD,2025-05-17,1074649,77705,996944,1.0,65.4,29.0,0.0,5.6,VTI:33.3%;HYG:33.3%;VOO:33.3%,US:67.6;EU:14.8;APAC:7.0;EM:8.9;Other:1.7,Value:+0.4;Growth:+0.3;Quality:+0.7;Size:-0.8;Momentum:-0.3;LowVol:-0.1,MaxPos6%;NoDerivatives,10,35,5.0,hard 12%,203,25.7,Bear,33.1,3.44,1.7,192,-30,42,87,true,Hedge,Buy index puts 1% notional,2,-24,BrokerB,MKT,87,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-23,-28,37,5,false,Increase defensive factor exposure
P9533,Hands-off,IRA,USD,2025-03-12,486615,34809,451806,1.0,66.7,18.2,6.6,8.6,QQQ:33.3%;TLT:33.3%;HYG:33.3%,US:59.2;EU:19.2;APAC:8.5;EM:8.7;Other:4.3,Value:-0.7;Growth:+0.8;Quality:+0.9;Size:-0.2;Momentum:-0.1;LowVol:+0.2,MaxPos5%;NoDerivatives,6,35,3.0,trailing 10%,134,16.7,Bear,31.9,4.49,2.4,142,-71,13,74,true,Hedge,Buy index puts 1% notional,-7,1,BrokerD,VWAP,100,Drift>tolerance,Pause,Allocation drift beyond policy bands,39,-60,32,4,false,Tighten stops on momentum names
P9534,Systematic,Trust,USD,2024-08-01,960946,84602,876344,1.0,60.3,31.6,0.0,8.2,IEF:22.9%;BRK.B:25.7%;VOO:25.7%;MUB:25.7%,US:56.6;EU:10.9;APAC:15.9;EM:11.9;Other:4.7,Value:-0.3;Growth:+0.6;Quality:+0.8;Size:-0.1;Momentum:-0.6;LowVol:-0.6,MaxPos5%,8,30,4.9,trailing 9%,157,25.1,Volatile,27.3,3.8,3.6,147,5,42,72,true,Reduce,"Cut high-beta by 2-3%, add cash",1,-10,BrokerB,MKT,92,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-40,-38,-77,4,false,Tax-aware sells next window
P9535,Active,401k,USD,2025-07-24,1520476,164412,1356064,1.23,50.6,19.5,22.1,7.9,HYG:20.7%;AMZN:13.3%;GLD:7.8%;MUB:16.7%;QQQ:20.7%;MSFT:20.7%,US:67.4;EU:16.3;APAC:7.9;EM:4.3;Other:4.1,Value:-0.9;Growth:+0.3;Quality:+0.9;Size:-1.0;Momentum:+0.4;LowVol:+0.6,,8,30,4.5,trailing 8%,137,27.2,Bull,12.0,3.71,2.1,110,15,65,37,false,Buy,Add to core equity +1%,30,-8,BrokerB,MKT,92,None,None,Normal monitoring,53,-34,136,5,false,Tighten stops on momentum names
P9536,Active,401k,USD,2024-10-01,1653122,108020,1545102,1.0,56.6,23.5,14.6,5.4,HYG:25.1%;GLD:25.1%;VTI:25.1%;MUB:24.8%,US:63.3;EU:14.6;APAC:10.6;EM:8.3;Other:3.1,Value:+0.2;Growth:-0.8;Quality:+0.6;Size:0.0;Momentum:+0.9;LowVol:-0.8,,7,25,4.7,trailing 8%,177,23.3,Sideways,18.2,3.73,2.1,134,36,80,41,false,Rebalance,Shift +1% to bonds from equity,32,6,BrokerB,LMT,87,None,None,Normal monitoring,57,-53,23,4,false,Tighten stops on momentum names
P9537,Systematic,Taxable,USD,2025-08-10,1682299,150739,1531560,1.0,61.3,31.8,0.0,6.9,AAPL:20.2%;HYG:18.5%;AMZN:8.0%;TLT:20.4%;QQQ:20.4%;VOO:12.6%,US:65.6;EU:8.3;APAC:14.3;EM:10.2;Other:1.7,Value:-0.6;Growth:+0.4;Quality:+0.5;Size:+0.9;Momentum:-0.6;LowVol:-0.1,,8,35,5.9,trailing 9%,163,19.5,Bear,33.4,3.8,2.0,156,-65,5,75,true,Hedge,Buy index puts 1% notional,6,-23,BrokerB,LMT,99,VAR>budget,Pause,Risk above budget threshold,89,-37,215,5,false,Tax-aware sells next window
P9538,Systematic,Trust,USD,2024-11-04,635414,42734,592680,1.0,59.2,30.5,5.1,5.2,GLD:20.4%;MSFT:20.6%;AMZN:18.0%;IEF:20.4%;BND:20.6%,US:57.3;EU:17.0;APAC:13.5;EM:10.6;Other:1.6,Value:+0.4;Growth:+0.2;Quality:-0.3;Size:+0.1;Momentum:-0.5;LowVol:+0.1,MaxPos6%,6,30,4.6,hard 12%,157,27.3,Bull,11.8,4.57,2.0,93,119,100,32,false,Buy,Add to core equity +1%,-2,-19,BrokerC,LMT,98,None,None,Normal monitoring,68,-44,156,5,false,Tighten stops on momentum names
P9539,Active,Taxable,USD,2025-02-13,643654,72808,570846,1.0,50.1,29.1,11.6,9.3,VTI:27.2%;TSLA:27.2%;TLT:20.8%;VNQ:24.9%,US:73.3;EU:6.9;APAC:9.1;EM:6.7;Other:4.1,Value:-0.8;Growth:-1.0;Quality:-0.0;Size:+0.2;Momentum:-0.4;LowVol:+0.8,,5,30,5.1,trailing 8%,210,25.2,Bull,11.8,3.86,2.4,83,46,67,25,false,Buy,Add to core equity +1%,35,-31,BrokerD,MKT,100,None,None,Normal monitoring,110,-51,249,4,false,Monitor dispersion and breadth
P9540,Cautious,IRA,USD,2024-09-20,497097,50494,446603,1.0,41.0,39.8,3.1,16.0,VTI:16.0%;VOO:15.2%;AMZN:18.1%;BND:17.3%;GLD:18.6%;TLT:14.8%,US:72.9;EU:13.0;APAC:7.7;EM:3.8;Other:2.6,Value:-0.5;Growth:-0.3;Quality:-0.4;Size:-0.9;Momentum:+0.1;LowVol:-0.3,ESGOnly;MaxPos5%;NoMargin,7,25,5.6,hard 10%,128,16.7,Sideways,15.4,4.4,2.1,117,55,68,37,false,Rebalance,Shift +1% to bonds from equity,14,1,BrokerC,LMT,98,None,None,Normal monitoring,40,-41,156,3,false,Within IPS guidelines
P9541,Active,IRA,USD,2025-07-17,585074,66059,519015,1.0,67.6,18.4,5.0,9.0,AAPL:8.5%;XLF:22.9%;BND:22.9%;VOO:22.9%;MSFT:22.9%,US:66.8;EU:13.5;APAC:12.6;EM:3.0;Other:4.1,Value:+0.9;Growth:-0.2;Quality:+0.1;Size:-0.6;Momentum:+0.5;LowVol:-0.3,MaxPos6%,5,25,5.5,trailing 8%,210,22.9,Bull,13.0,3.74,2.5,76,78,81,50,false,Rebalance,Shift +1% to bonds from equity,-1,-27,BrokerD,MKT,97,None,None,Normal monitoring,-32,-31,-53,3,false,Monitor dispersion and breadth
P9542,Cautious,Taxable,USD,2025-04-16,808837,91721,717116,1.0,53.4,30.3,5.3,11.0,IEF:27.8%;BND:16.7%;VTI:27.8%;TSLA:27.8%,US:58.4;EU:20.3;APAC:9.5;EM:8.5;Other:3.3,Value:-0.7;Growth:+0.4;Quality:-0.8;Size:-0.3;Momentum:+0.8;LowVol:-0.5,MaxPos7%;NoDerivatives;NoMargin,6,25,3.6,trailing 8%,140,12.0,Volatile,20.4,4.3,3.1,154,36,75,54,false,NoAction,Within bands; monitor,-15,7,BrokerA,MKT,0,None,None,Normal monitoring,117,-4,158,3,false,Within IPS guidelines
P9543,Hands-off,IRA,USD,2025-10-03,226407,12176,214231,1.0,67.8,17.0,10.2,5.0,BND:26.7%;XLF:26.7%;GLD:26.7%;HYG:20.0%,US:74.6;EU:11.7;APAC:7.9;EM:4.3;Other:1.5,Value:+0.9;Growth:-0.8;Quality:-0.0;Size:-0.8;Momentum:-0.9;LowVol:-0.8,,8,35,3.8,trailing 10%,129,15.5,Sideways,21.4,4.36,2.9,96,-11,29,61,false,Sell,Trim extended winner -1%,4,-26,BrokerD,MKT,89,None,None,Normal monitoring,33,-22,163,3,false,Within IPS guidelines
P9544,Active,IRA,USD,2025-06-17,1534827,124509,1410318,1.0,68.4,26.4,0.0,5.2,QQQ:20.7%;GLD:18.9%;TSLA:20.7%;BND:9.8%;BRK.B:9.3%;MUB:20.7%,US:58.7;EU:14.7;APAC:14.2;EM:10.8;Other:1.7,Value:+0.8;Growth:-0.8;Quality:+0.6;Size:-0.4;Momentum:-1.0;LowVol:+0.7,MaxPos5%,7,35,5.5,hard 12%,218,26.1,Volatile,21.6,3.96,4.1,167,-19,55,67,false,Hedge,Add TLT +1% as duration hedge,24,-35,BrokerD,MKT,98,None,None,Normal monitoring,94,-45,200,4,false,Tighten stops on momentum names
P9545,Active,Trust,USD,2025-03-23,1404714,128264,1276450,1.0,64.0,21.1,9.8,5.1,MUB:10.3%;BND:13.5%;XLF:16.2%;AMZN:21.2%;IEF:17.7%;BRK.B:21.2%,US:70.3;EU:8.7;APAC:12.7;EM:4.0;Other:4.3,Value:+0.9;Growth:+0.1;Quality:-0.7;Size:-0.9;Momentum:-0.5;LowVol:0.0,NoDerivatives,7,25,4.3,trailing 9%,138,27.5,Volatile,30.7,4.42,3.4,133,35,54,74,true,Rebalance,Rebalance back to target bands,35,-20,BrokerA,MKT,91,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,85,-3,121,2,false,Within IPS guidelines
P9546,Opportunistic,IRA,USD,2024-07-18,898499,40099,858400,1.0,64.2,21.4,6.5,8.0,MSFT:21.2%;VOO:27.6%;XLF:27.6%;AAPL:23.5%,US:75.1;EU:5.8;APAC:5.6;EM:8.8;Other:4.7,Value:-0.4;Growth:+0.1;Quality:+0.1;Size:-0.3;Momentum:+0.3;LowVol:-0.4,MaxPos6%;NoDerivatives,8,35,5.5,hard 12%,233,31.4,Bull,16.5,3.93,3.2,107,85,99,57,false,Rebalance,Shift +1% to bonds from equity,20,-38,BrokerC,MKT,95,None,None,Normal monitoring,74,2,84,3,false,Within IPS guidelines
P9547,Active,IRA,USD,2024-11-26,2185079,173546,2011533,1.0,59.7,20.6,13.9,5.8,TLT:24.1%;VNQ:24.1%;MSFT:24.1%;TSLA:11.3%;XLF:16.5%,US:68.1;EU:9.9;APAC:8.9;EM:10.0;Other:3.2,Value:+1.0;Growth:-1.0;Quality:-0.7;Size:-0.7;Momentum:+0.1;LowVol:+0.8,MaxPos5%,8,30,4.6,hard 12%,192,19.7,Bear,29.9,4.31,1.0,183,-40,21,78,true,Rebalance,Rebalance back to target bands,4,-27,BrokerA,LMT,98,RegimeShift,TightenStops,Volatility spike and breadth deterioration,-3,-48,123,5,false,Monitor dispersion and breadth
P9548,Systematic,Taxable,USD,2025-04-17,1908382,190084,1718298,1.0,56.6,20.8,17.5,5.1,GLD:26.9%;AAPL:26.9%;QQQ:19.3%;AMZN:26.9%,US:71.4;EU:6.7;APAC:11.6;EM:5.1;Other:5.1,Value:+0.4;Growth:-0.3;Quality:-0.5;Size:-0.5;Momentum:+0.8;LowVol:+0.3,NoDerivatives,6,35,5.3,hard 12%,161,21.0,Bull,14.7,3.74,3.4,84,77,84,52,false,Rebalance,Shift +1% to bonds from equity,-3,0,BrokerC,MKT,86,None,None,Normal monitoring,-48,-7,-88,5,false,Tighten stops on momentum names
P9549,Cautious,401k,USD,2025-10-24,755440,105484,649956,1.0,50.8,38.4,0.0,10.8,HYG:21.8%;QQQ:14.6%;XLF:21.8%;MSFT:10.2%;AMZN:12.8%;AAPL:18.7%,US:66.7;EU:6.5;APAC:9.1;EM:13.5;Other:4.2,Value:-0.9;Growth:+0.8;Quality:+0.5;Size:-0.7;Momentum:-0.6;LowVol:-0.1,ESGOnly;NoMargin,8,25,3.5,trailing 10%,118,12.3,Volatile,28.9,4.59,3.1,148,62,76,62,true,Reduce,"Cut high-beta by 2-3%, add cash",27,-20,BrokerB,LMT,89,RegimeShift,Reduce,Volatility spike and breadth deterioration,74,-36,204,3,false,Increase defensive factor exposure
P9550,Systematic,Roth,USD,2024-09-26,935605,59933,875672,1.0,60.3,24.1,8.1,7.4,BRK.B:19.3%;MUB:16.4%;TLT:22.0%;XLF:15.2%;TSLA:12.1%;QQQ:14.9%,US:66.9;EU:10.9;APAC:10.7;EM:8.7;Other:2.8,Value:-0.5;Growth:-0.4;Quality:-0.9;Size:-0.4;Momentum:+0.8;LowVol:+0.6,MaxPos7%;NoDerivatives,8,25,4.7,trailing 8%,122,17.7,Bull,17.7,3.61,2.8,74,119,100,52,false,Rebalance,Shift +1% to bonds from equity,9,-22,BrokerC,LMT,98,None,None,Normal monitoring,45,9,57,3,false,Tax-aware sells next window
P9551,Hands-off,IRA,USD,2025-11-25,359452,16973,342479,1.0,62.1,21.7,10.9,5.4,TLT:28.8%;AAPL:28.8%;BRK.B:22.8%;TSLA:19.6%,US:69.8;EU:7.1;APAC:11.0;EM:7.9;Other:4.2,Value:-0.1;Growth:+0.6;Quality:-0.0;Size:-0.4;Momentum:+0.6;LowVol:+0.7,ESGOnly;MaxPos5%;NoDerivatives,6,30,4.4,trailing 8%,96,15.2,Bull,13.1,4.68,2.5,80,41,81,48,false,Buy,Add to core equity +1%,14,-24,BrokerD,VWAP,94,None,None,Normal monitoring,-36,5,100,3,false,Tax-aware sells next window
P9552,Hands-off,IRA,USD,2025-08-10,562901,23712,539189,1.0,59.1,19.8,11.8,9.3,BRK.B:8.9%;MUB:19.7%;XLF:23.8%;VOO:23.8%;GLD:23.8%,US:66.4;EU:12.9;APAC:9.9;EM:8.6;Other:2.3,Value:+0.1;Growth:-0.4;Quality:-0.7;Size:-0.4;Momentum:-0.7;LowVol:-0.5,ESGOnly;MaxPos6%,6,30,3.5,trailing 8%,158,12.6,Sideways,17.4,4.97,2.7,118,58,85,48,false,Rebalance,Shift +1% to bonds from equity,-9,-37,BrokerA,MKT,90,None,None,Normal monitoring,17,-43,118,3,false,Monitor dispersion and breadth
P9553,Hands-off,Roth,USD,2025-01-05,753372,72014,681358,1.0,62.1,22.3,8.4,7.3,BND:25.0%;MUB:25.0%;VNQ:25.0%;AAPL:25.0%,US:64.0;EU:18.4;APAC:11.0;EM:5.4;Other:1.2,Value:+0.1;Growth:+1.0;Quality:0.0;Size:-0.2;Momentum:+0.6;LowVol:+0.3,,8,30,5.5,trailing 8%,128,16.4,Bear,23.4,4.13,2.6,153,7,47,71,true,Hedge,Buy index puts 1% notional,-15,-6,BrokerD,MKT,98,VAR>budget,Hedge,Risk above budget threshold,101,-26,210,2,false,Tax-aware sells next window
P9554,Hands-off,Trust,USD,2024-08-30,695402,69401,626001,1.0,57.5,20.9,16.6,5.0,AMZN:21.3%;HYG:21.3%;VNQ:15.2%;GLD:9.5%;VOO:20.8%;VTI:11.8%,US:69.8;EU:15.4;APAC:5.0;EM:5.5;Other:4.3,Value:-0.3;Growth:+0.3;Quality:+0.1;Size:+0.7;Momentum:+1.0;LowVol:-0.5,ESGOnly;MaxPos5%;NoDerivatives,7,30,5.5,hard 10%,163,18.4,Volatile,21.5,4.6,2.6,163,51,62,62,false,Hedge,Add TLT +1% as duration hedge,0,-1,BrokerD,MKT,99,None,None,Normal monitoring,11,-31,65,5,false,Tax-aware sells next window
P9555,Systematic,401k,USD,2025-10-06,1152774,88381,1064393,1.0,63.3,28.6,0.0,8.1,BRK.B:37.2%;MUB:37.2%;AMZN:25.6%,US:69.9;EU:9.4;APAC:8.3;EM:9.7;Other:2.6,Value:-0.6;Growth:-0.6;Quality:+0.3;Size:-0.6;Momentum:+0.4;LowVol:-0.1,MaxPos6%,8,30,4.3,trailing 9%,174,25.0,Bull,14.9,4.91,2.7,114,22,74,45,false,Buy,Add to core equity +1%,1,-18,BrokerD,MKT,94,None,None,Normal monitoring,95,-20,126,3,false,Tax-aware sells next window
P9556,Active,Trust,USD,2024-07-12,2418232,240998,2177234,1.0,53.8,18.7,17.8,9.7,BRK.B:20.9%;AMZN:17.0%;TLT:10.3%;MUB:20.9%;VTI:19.6%;HYG:11.3%,US:67.6;EU:6.6;APAC:12.8;EM:10.1;Other:2.9,Value:-0.3;Growth:-0.6;Quality:+0.7;Size:+0.3;Momentum:+0.5;LowVol:+0.8,MaxPos6%;NoDerivatives,8,30,4.7,hard 12%,210,16.3,Sideways,20.5,3.81,3.3,93,26,77,46,false,NoAction,Within bands; monitor,30,-1,BrokerB,LMT,95,None,None,Normal monitoring,104,-56,167,3,false,Tax-aware sells next window
P9557,Cautious,Roth,USD,2025-10-30,278228,35134,243094,1.0,42.3,40.2,7.1,10.3,AMZN:15.7%;VNQ:28.1%;TSLA:28.1%;MSFT:28.1%,US:68.9;EU:7.1;APAC:9.7;EM:10.7;Other:3.6,Value:+1.0;Growth:+0.3;Quality:-0.9;Size:+0.8;Momentum:+0.2;LowVol:+0.4,MaxPos5%;NoMargin,6,35,4.5,trailing 10%,113,14.7,Volatile,25.5,4.57,2.9,112,78,79,48,false,Buy,Add to core equity +1%,25,-38,BrokerB,LMT,100,None,None,Normal monitoring,62,-4,158,3,false,Tighten stops on momentum names
P9558,Cautious,Taxable,USD,2024-11-03,770839,108835,662004,1.0,37.1,31.0,16.0,15.9,MSFT:21.9%;VTI:15.5%;TSLA:21.0%;MUB:11.2%;IEF:8.4%;XLF:21.9%,US:62.5;EU:16.2;APAC:6.4;EM:10.3;Other:4.6,Value:+0.3;Growth:+0.4;Quality:+0.4;Size:-0.4;Momentum:+0.9;LowVol:-0.7,MaxPos5%;NoMargin,10,25,3.5,hard 10%,131,15.1,Bear,25.9,3.55,2.4,188,-41,38,46,false,NoAction,Within bands; monitor,3,14,BrokerC,LMT,88,None,None,Normal monitoring,15,-1,24,3,false,Within IPS guidelines
P9559,Opportunistic,Roth,USD,2024-08-04,1358688,60077,1298611,1.14,70.9,20.9,0.2,8.0,VOO:36.0%;VTI:28.0%;AAPL:36.0%,US:71.7;EU:5.8;APAC:13.6;EM:7.4;Other:1.5,Value:-0.3;Growth:+0.4;Quality:-0.8;Size:-1.0;Momentum:+0.5;LowVol:-1.0,,5,35,5.9,hard 12%,276,32.5,Bear,22.3,3.21,2.6,171,-75,25,74,true,Reduce,"Cut high-beta by 2-3%, add cash",14,-7,BrokerB,MKT,97,Drift>tolerance,Reduce,Allocation drift beyond policy bands,12,-53,115,2,false,Tax-aware sells next window
P9560,Opportunistic,IRA,USD,2025-09-25,670942,32733,638209,1.0,60.6,10.4,21.8,7.1,VNQ:33.3%;QQQ:33.3%;HYG:33.3%,US:67.5;EU:9.2;APAC:9.8;EM:9.7;Other:3.9,Value:+0.6;Growth:+0.7;Quality:+0.5;Size:+0.4;Momentum:-0.2;LowVol:+0.2,MaxPos5%,6,25,6.6,hard 12%,218,34.8,Bear,30.6,3.43,1.0,169,-70,5,73,true,Reduce,"Cut high-beta by 2-3%, add cash",15,-20,BrokerB,LMT,91,RegimeShift,Reduce,Volatility spike and breadth deterioration,-22,0,-36,4,false,Tax-aware sells next window
P9561,Hands-off,Trust,USD,2024-10-23,573510,54840,518670,1.0,70.8,20.1,0.0,9.2,GLD:25.0%;BND:25.0%;IEF:25.0%;VOO:25.0%,US:72.2;EU:13.2;APAC:8.3;EM:5.9;Other:0.4,Value:+0.2;Growth:-0.5;Quality:0.0;Size:-0.3;Momentum:-0.7;LowVol:-0.3,ESGOnly,5,35,4.1,trailing 8%,97,18.1,Volatile,22.1,5.48,2.9,143,-11,49,61,false,Rebalance,Shift +1% to bonds from equity,-11,-10,BrokerC,MKT,86,None,None,Normal monitoring,18,-11,21,3,false,Monitor dispersion and breadth
P9562,Opportunistic,Roth,USD,2024-09-26,1444039,59630,1384409,1.0,62.6,13.2,18.3,6.0,VTI:20.2%;XLF:26.6%;HYG:26.6%;IEF:26.6%,US:72.8;EU:6.6;APAC:8.9;EM:11.2;Other:0.6,Value:+0.6;Growth:-0.5;Quality:-0.5;Size:-0.1;Momentum:+0.1;LowVol:+0.1,NoDerivatives,6,30,6.1,trailing 7%,215,29.2,Volatile,24.1,5.29,4.3,119,9,53,56,false,Rebalance,Shift +1% to bonds from equity,-2,15,BrokerB,MKT,91,None,None,Normal monitoring,34,14,167,3,false,Tighten stops on momentum names
P9563,Cautious,401k,USD,2025-03-03,165959,26460,139499,1.0,50.2,33.0,0.0,16.8,TLT:10.2%;VTI:23.2%;AMZN:23.2%;BRK.B:21.2%;QQQ:22.2%,US:60.8;EU:20.2;APAC:11.5;EM:6.8;Other:0.8,Value:-0.5;Growth:+0.9;Quality:0.0;Size:-0.4;Momentum:-0.4;LowVol:-0.0,ESGOnly;NoMargin,10,25,5.1,trailing 10%,150,19.8,Volatile,20.8,4.88,4.4,111,-45,32,49,false,Buy,Add to core equity +1%,34,15,BrokerA,VWAP,87,None,None,Normal monitoring,-2,-49,69,5,false,Tax-aware sells next window
P9564,Hands-off,Trust,USD,2024-11-23,694300,55513,638787,1.0,66.2,25.6,0.0,8.2,VNQ:37.3%;MSFT:37.3%;AAPL:25.4%,US:65.9;EU:15.4;APAC:8.9;EM:4.3;Other:5.6,Value:+0.5;Growth:-0.0;Quality:-0.7;Size:+0.1;Momentum:+0.1;LowVol:+0.7,ESGOnly,5,35,4.0,trailing 8%,153,13.1,Bear,34.6,4.25,1.2,204,22,46,82,true,Hedge,Buy index puts 1% notional,-5,6,BrokerD,MKT,96,VAR>budget,Reduce,Risk above budget threshold,-34,9,-46,2,false,Tax-aware sells next window
P9565,Hands-off,IRA,USD,2025-05-14,784546,59733,724813,1.0,56.5,18.0,17.5,7.9,XLF:21.4%;VOO:10.2%;QQQ:12.5%;BRK.B:13.2%;BND:21.4%;VNQ:21.4%,US:63.3;EU:14.8;APAC:9.6;EM:7.7;Other:4.7,Value:+0.5;Growth:0.0;Quality:0.0;Size:+0.9;Momentum:-0.1;LowVol:-0.8,,8,25,3.2,hard 10%,118,16.5,Volatile,28.1,4.62,3.3,159,42,74,67,true,Hedge,Buy index puts 1% notional,27,-3,BrokerD,LMT,91,Drift>tolerance,Hedge,Allocation drift beyond policy bands,50,-58,13,4,false,Increase defensive factor exposure
P9566,Cautious,Trust,USD,2025-01-24,198651,26392,172259,1.0,48.4,38.0,0.0,13.6,BRK.B:18.3%;XLF:13.5%;HYG:18.9%;AMZN:24.7%;IEF:24.7%,US:66.7;EU:12.7;APAC:6.3;EM:12.6;Other:1.6,Value:-0.8;Growth:+0.5;Quality:+0.8;Size:-0.7;Momentum:+0.7;LowVol:-0.9,ESGOnly;MaxPos6%;NoDerivatives;NoMargin,6,25,3.3,trailing 10%,121,14.6,Bear,25.2,4.47,2.6,156,-18,51,50,false,Sell,Trim extended winner -1%,29,6,BrokerA,LMT,89,None,None,Normal monitoring,83,-43,204,3,false,Tax-aware sells next window
P9567,Active,401k,USD,2025-06-04,1141379,71430,1069949,1.2,63.8,21.8,8.9,5.5,MUB:27.2%;XLF:27.2%;VNQ:18.3%;QQQ:27.2%,US:67.6;EU:9.3;APAC:12.7;EM:6.9;Other:3.5,Value:-0.1;Growth:+1.0;Quality:+0.8;Size:-0.8;Momentum:-0.5;LowVol:-0.3,,8,30,4.3,trailing 8%,126,18.1,Sideways,18.2,4.69,2.4,125,22,46,45,false,Rebalance,Shift +1% to bonds from equity,26,-24,BrokerA,MKT,93,None,None,Normal monitoring,110,-26,223,3,false,Tighten stops on momentum names
P9568,Hands-off,IRA,USD,2024-10-31,164193,14152,150041,1.0,62.1,21.8,10.2,6.0,AAPL:37.2%;VTI:37.2%;BND:25.5%,US:61.7;EU:17.0;APAC:12.4;EM:4.3;Other:4.6,Value:+1.0;Growth:-0.3;Quality:+0.6;Size:+0.3;Momentum:+0.5;LowVol:-0.6,MaxPos8%;NoDerivatives,10,35,4.4,hard 10%,152,16.2,Volatile,23.9,3.88,4.1,110,-11,37,57,false,Sell,Trim extended winner -1%,-6,-7,BrokerD,MKT,92,None,None,Normal monitoring,95,10,131,4,false,Within IPS guidelines
P9569,Hands-off,Taxable,USD,2025-04-05,802026,79515,722511,1.0,68.1,23.7,0.0,8.3,VNQ:33.3%;GLD:33.3%;VTI:33.3%,US:77.1;EU:5.9;APAC:9.1;EM:3.4;Other:4.5,Value:-0.3;Growth:-0.4;Quality:-0.5;Size:-0.7;Momentum:+0.3;LowVol:-1.0,ESGOnly;NoDerivatives,5,25,3.3,trailing 10%,167,13.3,Volatile,31.6,4.25,2.4,113,-14,43,87,true,Hedge,Buy index puts 1% notional,-13,13,BrokerA,LMT,86,VAR>budget,Reduce,Risk above budget threshold,50,18,71,5,false,Tighten stops on momentum names
P9570,Hands-off,Taxable,USD,2025-12-17,883999,41399,842600,1.0,55.3,15.1,23.6,6.0,VNQ:34.4%;TSLA:34.4%;AAPL:31.2%,US:68.3;EU:11.7;APAC:12.0;EM:5.5;Other:2.5,Value:+0.4;Growth:+0.3;Quality:+0.6;Size:-0.4;Momentum:+0.6;LowVol:+0.1,NoDerivatives,8,35,5.3,trailing 10%,149,15.4,Bull,11.6,4.5,3.4,102,53,70,42,true,Reduce,"Cut high-beta by 2-3%, add cash",-6,14,BrokerA,MKT,86,VAR>budget,TightenStops,Risk above budget threshold,106,18,233,4,false,Tighten stops on momentum names
P9571,Systematic,Roth,USD,2025-05-14,464720,35551,429169,1.0,61.1,30.0,0.0,8.9,TLT:22.6%;XLF:14.8%;AMZN:22.6%;VOO:17.3%;IEF:22.6%,US:73.1;EU:7.2;APAC:9.6;EM:9.4;Other:0.7,Value:+0.7;Growth:+0.3;Quality:-0.9;Size:-0.9;Momentum:-0.7;LowVol:0.0,MaxPos8%,8,25,5.7,trailing 8%,152,20.6,Sideways,14.6,4.91,2.0,116,3,59,41,false,Buy,Add to core equity +1%,-12,-24,BrokerA,MKT,93,None,None,Normal monitoring,-54,-27,36,5,false,Increase defensive factor exposure
P9572,Active,Trust,USD,2024-11-19,1932562,140160,1792402,1.0,61.0,26.8,3.3,8.9,BRK.B:26.0%;MUB:22.0%;MSFT:26.0%;VNQ:26.0%,US:59.9;EU:18.7;APAC:10.1;EM:6.2;Other:5.0,Value:+0.7;Growth:-0.9;Quality:+0.4;Size:+0.8;Momentum:+0.3;LowVol:-0.6,MaxPos5%;NoDerivatives,5,25,5.4,hard 12%,214,17.7,Bear,30.0,3.16,2.5,181,27,70,77,true,Hedge,Buy index puts 1% notional,-10,-9,BrokerD,LMT,87,Drift>tolerance,Pause,Allocation drift beyond policy bands,-2,-41,-36,3,true,Within IPS guidelines
P9573,Hands-off,Trust,USD,2025-06-15,436428,29937,406491,1.0,58.3,18.8,13.9,9.0,VTI:33.3%;QQQ:33.3%;AMZN:33.3%,US:63.1;EU:14.6;APAC:10.0;EM:9.8;Other:2.5,Value:+0.1;Growth:-0.3;Quality:+0.5;Size:0.0;Momentum:+1.0;LowVol:+1.0,ESGOnly,8,35,3.4,trailing 8%,109,19.6,Sideways,14.4,3.75,2.3,109,-27,30,43,false,Hedge,Add TLT +1% as duration hedge,-10,-4,BrokerC,LMT,95,None,None,Normal monitoring,71,16,134,3,false,Tighten stops on momentum names
P9574,Hands-off,IRA,USD,2025-04-13,408080,20559,387521,1.0,59.5,26.0,7.4,7.2,VOO:23.7%;TSLA:23.7%;HYG:19.2%;BND:17.7%;QQQ:15.6%,US:70.7;EU:12.6;APAC:7.8;EM:7.2;Other:1.7,Value:-0.0;Growth:+1.0;Quality:-0.5;Size:-0.2;Momentum:-0.2;LowVol:+0.2,ESGOnly;NoDerivatives,8,30,3.2,trailing 8%,167,17.1,Bear,22.6,3.88,2.9,203,-55,29,70,false,Sell,Trim extended winner -1%,-2,-21,BrokerC,VWAP,91,None,None,Normal monitoring,107,-19,166,4,false,Tax-aware sells next window
P9575,Hands-off,Roth,USD,2025-01-03,855107,53016,802091,1.0,68.3,24.6,0.0,7.2,AMZN:10.2%;VOO:21.1%;MUB:15.7%;GLD:17.8%;IEF:21.1%;AAPL:14.0%,US:64.1;EU:9.0;APAC:13.9;EM:11.0;Other:1.9,Value:+1.0;Growth:+0.2;Quality:-0.7;Size:-0.6;Momentum:0.0;LowVol:+0.3,,6,35,4.3,trailing 8%,99,16.6,Volatile,26.3,4.44,2.2,115,6,42,78,true,Hedge,Buy index puts 1% notional,-11,-8,BrokerA,LMT,89,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-10,-59,10,5,false,Tighten stops on momentum names
P9576,Active,Trust,USD,2025-06-09,2298367,213576,2084791,1.0,64.4,21.3,8.9,5.3,QQQ:33.3%;VNQ:33.3%;BND:33.3%,US:64.9;EU:15.4;APAC:5.6;EM:11.5;Other:2.6,Value:-0.8;Growth:+0.3;Quality:+0.2;Size:+0.5;Momentum:-0.2;LowVol:+1.0,MaxPos6%,6,25,5.1,trailing 8%,144,21.8,Bull,15.3,3.71,2.6,102,30,71,39,false,Hedge,Add TLT +1% as duration hedge,21,-3,BrokerC,LMT,98,None,None,Normal monitoring,91,20,129,5,false,Tighten stops on momentum names
P9577,Cautious,Taxable,USD,2024-08-25,869753,98767,770986,1.0,51.1,36.7,0.0,12.2,IEF:23.5%;VOO:19.7%;MSFT:21.0%;QQQ:12.3%;GLD:23.5%,US:66.6;EU:12.6;APAC:12.7;EM:4.9;Other:3.2,Value:+0.5;Growth:-0.4;Quality:-0.2;Size:+0.2;Momentum:+0.3;LowVol:+0.4,ESGOnly;NoDerivatives;NoMargin,8,35,5.4,hard 10%,165,15.4,Volatile,20.7,4.76,3.5,146,-26,45,42,false,Buy,Add to core equity +1%,32,-10,BrokerD,VWAP,87,None,None,Normal monitoring,-36,-11,79,3,false,Tax-aware sells next window
P9578,Opportunistic,401k,USD,2024-11-11,628630,26057,602573,1.11,70.9,16.0,4.5,8.6,HYG:27.0%;TSLA:20.2%;VTI:27.0%;AAPL:25.8%,US:71.3;EU:7.7;APAC:7.7;EM:9.7;Other:3.6,Value:+0.1;Growth:-0.0;Quality:-0.6;Size:-0.2;Momentum:+0.5;LowVol:+0.8,MaxPos8%,8,35,6.3,trailing 7%,160,31.8,Sideways,15.3,4.94,3.4,96,-27,51,49,false,Rebalance,Shift +1% to bonds from equity,4,-39,BrokerB,LMT,98,None,None,Normal monitoring,17,-19,24,3,false,Tighten stops on momentum names
P9579,Hands-off,Roth,USD,2025-10-08,732959,31023,701936,1.0,58.8,24.7,7.7,8.9,BND:25.9%;AAPL:25.9%;TSLA:22.4%;QQQ:25.9%,US:67.7;EU:14.1;APAC:8.7;EM:6.6;Other:2.9,Value:+0.8;Growth:-0.5;Quality:+0.5;Size:-0.9;Momentum:-0.5;LowVol:-0.6,,5,30,5.8,trailing 10%,157,13.2,Volatile,26.4,4.92,2.7,172,-47,11,60,false,Rebalance,Shift +1% to bonds from equity,-10,-28,BrokerB,MKT,94,None,None,Normal monitoring,78,-8,102,5,false,Monitor dispersion and breadth
P9580,Hands-off,IRA,USD,2024-12-04,312838,17768,295070,1.0,70.2,17.2,5.7,6.9,MSFT:21.2%;GLD:19.7%;VTI:22.6%;TSLA:22.6%;BND:14.0%,US:65.2;EU:13.5;APAC:5.7;EM:10.1;Other:5.4,Value:+0.6;Growth:+0.4;Quality:+0.7;Size:+0.4;Momentum:0.0;LowVol:+0.2,ESGOnly,5,25,4.0,hard 10%,163,16.5,Bull,14.2,3.83,2.2,84,75,90,49,true,Hedge,Buy index puts 1% notional,8,-13,BrokerB,VWAP,90,Drift>tolerance,Reduce,Allocation drift beyond policy bands,66,6,100,3,false,Tighten stops on momentum names
P9581,Cautious,IRA,USD,2024-09-05,685903,70057,615846,1.0,47.4,36.1,0.0,16.6,BND:16.9%;GLD:17.7%;VOO:11.2%;XLF:22.0%;BRK.B:10.2%;AAPL:22.0%,US:65.6;EU:14.2;APAC:10.5;EM:6.5;Other:3.2,Value:+0.6;Growth:-0.4;Quality:-0.8;Size:-0.9;Momentum:-0.4;LowVol:+1.0,NoMargin,10,25,3.7,trailing 8%,161,17.9,Volatile,26.1,5.46,2.0,175,-7,47,54,false,NoAction,Within bands; monitor,10,2,BrokerA,VWAP,87,None,None,Normal monitoring,101,-30,87,3,false,Tax-aware sells next window
P9582,Hands-off,Roth,USD,2024-11-13,671468,53744,617724,1.0,65.1,28.5,0.0,6.4,HYG:17.4%;IEF:17.5%;AAPL:16.8%;BND:19.7%;VNQ:20.5%;QQQ:8.1%,US:75.9;EU:6.8;APAC:6.5;EM:7.2;Other:3.6,Value:-0.5;Growth:+0.8;Quality:-0.8;Size:+1.0;Momentum:-0.6;LowVol:+0.5,ESGOnly;NoDerivatives,5,25,3.3,trailing 8%,101,19.1,Volatile,23.1,5.07,2.1,114,-41,30,68,false,Rebalance,Shift +1% to bonds from equity,3,3,BrokerC,MKT,92,None,None,Normal monitoring,12,-43,82,5,false,Tighten stops on momentum names
P9583,Cautious,Roth,USD,2025-06-05,772062,88713,683349,1.0,41.8,35.8,7.4,15.0,QQQ:25.0%;BRK.B:25.0%;GLD:25.0%;TSLA:25.0%,US:63.2;EU:15.0;APAC:9.4;EM:9.9;Other:2.4,Value:-0.3;Growth:+0.2;Quality:+0.5;Size:+0.9;Momentum:+0.7;LowVol:+0.3,NoMargin,7,25,5.8,trailing 8%,108,20.0,Bear,31.7,4.03,1.4,155,-79,15,70,false,Sell,Trim extended winner -1%,23,-36,BrokerB,LMT,87,None,None,Normal monitoring,48,-43,162,5,false,Increase defensive factor exposure
P9584,Systematic,401k,USD,2025-05-01,1457771,83375,1374396,1.0,59.6,33.9,0.0,6.5,TSLA:21.8%;GLD:16.9%;VNQ:11.8%;MUB:7.3%;MSFT:21.8%;TLT:20.3%,US:61.8;EU:10.2;APAC:16.7;EM:6.6;Other:4.8,Value:+0.4;Growth:+0.1;Quality:-0.1;Size:-0.8;Momentum:+0.8;LowVol:+0.3,,8,30,4.4,trailing 9%,137,23.6,Bear,28.1,4.38,1.7,192,21,72,70,false,Rebalance,Shift +1% to bonds from equity,11,-32,BrokerC,MKT,87,None,None,Normal monitoring,-1,-39,107,3,false,Within IPS guidelines
P9585,Cautious,Roth,USD,2024-12-02,857307,72772,784535,1.0,46.2,38.0,0.0,15.8,VOO:26.9%;TSLA:26.9%;MUB:22.2%;XLF:24.0%,US:66.5;EU:16.3;APAC:8.8;EM:6.9;Other:1.5,Value:-0.5;Growth:-0.7;Quality:+0.5;Size:-0.8;Momentum:+0.1;LowVol:-0.8,ESGOnly;NoDerivatives;NoMargin,10,35,3.3,trailing 8%,165,19.2,Sideways,20.8,3.92,2.4,126,8,41,47,true,Hedge,Buy index puts 1% notional,-13,-29,BrokerB,MKT,95,Drift>tolerance,Hedge,Allocation drift beyond policy bands,95,-10,173,4,false,Within IPS guidelines
P9586,Hands-off,Roth,USD,2024-10-08,600503,48409,552094,1.0,63.5,27.3,1.4,7.8,VOO:9.6%;QQQ:8.7%;VNQ:23.4%;AAPL:23.4%;AMZN:11.4%;HYG:23.4%,US:75.8;EU:12.9;APAC:6.3;EM:4.7;Other:0.3,Value:+0.7;Growth:+0.8;Quality:-0.2;Size:-0.8;Momentum:+0.5;LowVol:+0.7,,8,25,5.8,trailing 8%,102,14.2,Bear,31.4,3.47,1.5,189,20,60,78,true,Reduce,"Cut high-beta by 2-3%, add cash",19,-4,BrokerB,MKT,85,Drift>tolerance,Reduce,Allocation drift beyond policy bands,113,-50,160,4,false,Increase defensive factor exposure
P9587,Opportunistic,Taxable,USD,2024-08-06,451654,34118,417536,1.21,74.1,17.0,1.5,7.4,MUB:21.4%;GLD:27.7%;TSLA:23.2%;TLT:27.7%,US:71.7;EU:7.5;APAC:13.5;EM:3.9;Other:3.4,Value:-0.6;Growth:-0.8;Quality:-1.0;Size:-1.0;Momentum:+0.9;LowVol:-0.0,MaxPos7%,6,30,5.0,trailing 7%,209,22.6,Volatile,28.5,5.02,2.2,139,-13,57,80,true,Hedge,Buy index puts 1% notional,-5,-22,BrokerA,LMT,93,RegimeShift,Hedge,Volatility spike and breadth deterioration,-37,15,98,2,false,Increase defensive factor exposure
P9588,Hands-off,Roth,USD,2025-12-03,895138,44416,850722,1.0,64.2,26.8,0.0,9.0,GLD:10.8%;AMZN:23.3%;MUB:14.9%;BND:25.5%;VTI:25.5%,US:62.4;EU:16.9;APAC:6.7;EM:10.8;Other:3.2,Value:-0.1;Growth:+0.5;Quality:-0.2;Size:-0.4;Momentum:+0.5;LowVol:+0.6,MaxPos6%,6,25,3.7,trailing 8%,149,19.7,Bear,30.1,3.43,2.6,211,-15,33,81,true,Reduce,"Cut high-beta by 2-3%, add cash",31,-28,BrokerC,MKT,85,VAR>budget,Hedge,Risk above budget threshold,40,8,142,5,false,Within IPS guidelines
P9589,Active,Taxable,USD,2025-04-27,1113418,121164,992254,1.0,66.2,20.0,4.4,9.4,VOO:25.5%;MUB:23.6%;XLF:25.5%;TLT:25.5%,US:70.6;EU:9.7;APAC:13.6;EM:5.2;Other:0.9,Value:+0.1;Growth:+0.1;Quality:-0.6;Size:-0.4;Momentum:-0.4;LowVol:-0.0,NoDerivatives,7,35,4.8,trailing 9%,192,20.1,Bull,15.9,4.95,2.7,99,4,38,42,false,Buy,Add to core equity +1%,1,-33,BrokerC,MKT,91,None,None,Normal monitoring,55,-60,124,5,false,Monitor dispersion and breadth
P9590,Active,IRA,USD,2024-08-24,1522274,155888,1366386,1.0,62.6,27.8,1.7,7.9,QQQ:31.0%;MSFT:34.5%;MUB:34.5%,US:62.5;EU:13.5;APAC:12.5;EM:8.1;Other:3.4,Value:+0.5;Growth:-0.8;Quality:+0.3;Size:+0.1;Momentum:+0.1;LowVol:+0.4,NoDerivatives,5,25,4.1,hard 12%,188,23.8,Volatile,25.5,4.48,2.5,164,-60,17,77,true,Hedge,Buy index puts 1% notional,12,11,BrokerC,VWAP,93,VAR>budget,Reduce,Risk above budget threshold,86,-5,170,2,false,Monitor dispersion and breadth
P9591,Opportunistic,Taxable,USD,2025-07-06,1332058,102973,1229085,1.0,74.6,15.7,1.7,8.0,QQQ:28.0%;MUB:16.0%;BND:28.0%;BRK.B:28.0%,US:65.3;EU:13.7;APAC:12.8;EM:6.7;Other:1.5,Value:-0.2;Growth:-0.6;Quality:+0.1;Size:-0.3;Momentum:+0.5;LowVol:+0.6,,5,30,4.9,trailing 7%,198,31.6,Bull,13.8,3.53,3.4,80,64,93,47,false,Hedge,Add TLT +1% as duration hedge,5,0,BrokerB,MKT,98,None,None,Normal monitoring,-13,12,56,4,false,Within IPS guidelines
P9592,Opportunistic,401k,USD,2024-07-06,1343515,55731,1287784,1.0,71.4,16.4,7.8,4.4,BND:33.4%;VTI:33.4%;XLF:33.2%,US:75.1;EU:11.9;APAC:5.3;EM:4.8;Other:2.8,Value:-0.1;Growth:0.0;Quality:-0.2;Size:+0.4;Momentum:-0.1;LowVol:-0.8,MaxPos5%,10,30,6.2,hard 12%,243,27.4,Bull,17.3,4.25,3.0,83,64,97,64,false,NoAction,Within bands; monitor,18,-27,BrokerD,MKT,0,None,None,Normal monitoring,9,-14,-13,4,false,Tax-aware sells next window
P9593,Active,Taxable,USD,2025-05-04,1450234,161372,1288862,1.0,52.0,22.8,15.4,9.7,QQQ:33.3%;AMZN:33.3%;HYG:33.3%,US:64.5;EU:20.6;APAC:7.5;EM:7.4;Other:0.1,Value:+0.6;Growth:-1.0;Quality:-1.0;Size:+0.4;Momentum:+0.2;LowVol:+0.5,MaxPos7%,10,35,5.6,trailing 9%,168,16.0,Bear,34.1,3.06,1.1,152,-40,21,86,true,Hedge,Buy index puts 1% notional,18,-15,BrokerC,VWAP,85,VAR>budget,Reduce,Risk above budget threshold,109,-48,156,4,false,Tighten stops on momentum names
P9594,Cautious,IRA,USD,2025-03-03,362535,31720,330815,1.0,42.0,42.4,2.5,13.1,MUB:20.1%;TLT:20.0%;AAPL:21.5%;TSLA:16.8%;BRK.B:21.5%,US:66.7;EU:17.2;APAC:6.9;EM:8.8;Other:0.4,Value:-0.6;Growth:-0.4;Quality:+0.4;Size:+0.8;Momentum:-0.6;LowVol:+1.0,NoMargin,10,35,4.7,trailing 8%,91,17.7,Volatile,29.3,5.23,4.1,143,-45,34,69,false,Buy,Add to core equity +1%,6,-12,BrokerB,LMT,92,None,None,Normal monitoring,110,8,157,4,false,Tighten stops on momentum names
P9595,Cautious,401k,USD,2025-02-24,185534,24445,161089,1.0,36.0,38.1,15.0,11.0,AAPL:26.8%;IEF:19.5%;VTI:26.8%;TSLA:26.8%,US:69.7;EU:6.9;APAC:7.4;EM:13.8;Other:2.2,Value:+0.8;Growth:-0.6;Quality:+0.2;Size:-0.9;Momentum:+0.3;LowVol:+0.8,NoMargin,6,30,3.3,hard 10%,118,17.3,Volatile,20.3,4.32,3.2,161,44,80,32,true,Hedge,Buy index puts 1% notional,28,8,BrokerC,LMT,88,RegimeShift,TightenStops,Volatility spike and breadth deterioration,90,-37,149,3,false,Within IPS guidelines
P9596,Active,IRA,USD,2024-11-09,1379878,135990,1243888,1.09,52.4,30.5,8.0,9.0,GLD:29.2%;MSFT:12.3%;AMZN:29.2%;IEF:29.2%,US:60.5;EU:16.9;APAC:10.3;EM:11.1;Other:1.3,Value:+0.9;Growth:-0.4;Quality:+0.5;Size:+0.3;Momentum:+1.0;LowVol:-0.8,MaxPos8%,7,25,4.4,trailing 9%,188,24.8,Volatile,20.5,4.93,2.3,114,-21,45,55,false,Rebalance,Shift +1% to bonds from equity,-2,-31,BrokerB,MKT,91,None,None,Normal monitoring,52,-8,104,5,false,Tighten stops on momentum names
P9597,Cautious,Taxable,USD,2024-08-15,383444,41028,342416,1.0,39.6,32.3,17.3,10.9,MSFT:33.3%;TSLA:33.3%;QQQ:33.3%,US:68.5;EU:14.4;APAC:9.9;EM:6.5;Other:0.7,Value:+0.3;Growth:-0.0;Quality:+0.7;Size:+0.6;Momentum:+0.1;LowVol:+1.0,NoMargin,6,35,3.6,trailing 8%,120,17.3,Volatile,20.6,5.22,2.9,146,-15,56,43,false,Rebalance,Shift +1% to bonds from equity,31,15,BrokerC,MKT,96,None,None,Normal monitoring,29,8,56,5,false,Monitor dispersion and breadth
P9598,Cautious,Trust,USD,2024-11-17,802652,108747,693905,1.0,49.7,36.7,0.0,13.6,VTI:21.1%;GLD:22.2%;HYG:22.2%;BND:22.1%;VOO:12.3%,US:69.1;EU:9.1;APAC:11.1;EM:10.3;Other:0.4,Value:+0.4;Growth:+0.1;Quality:-0.6;Size:-0.8;Momentum:-0.6;LowVol:-0.4,ESGOnly;MaxPos5%;NoDerivatives;NoMargin,10,35,5.3,trailing 8%,123,16.2,Bear,34.1,3.32,2.6,169,-108,9,71,true,Hedge,Buy index puts 1% notional,-3,-19,BrokerA,VWAP,90,Drift>tolerance,Hedge,Allocation drift beyond policy bands,76,-55,91,4,false,Increase defensive factor exposure
P9599,Systematic,Roth,USD,2024-11-19,694919,63025,631894,1.0,68.0,21.0,3.7,7.4,AMZN:16.6%;AAPL:10.8%;XLF:21.7%;QQQ:17.3%;BND:11.8%;VOO:21.7%,US:63.3;EU:18.2;APAC:14.1;EM:4.3;Other:0.1,Value:-0.8;Growth:-0.7;Quality:+0.2;Size:+0.9;Momentum:+1.0;LowVol:-0.7,NoDerivatives,7,35,5.1,trailing 9%,136,20.3,Volatile,26.6,5.01,4.5,157,71,85,64,false,Sell,Trim extended winner -1%,14,12,BrokerD,LMT,99,None,None,Normal monitoring,79,-48,184,4,false,Monitor dispersion and breadth
P9600,Opportunistic,Trust,USD,2024-11-01,1778334,96142,1682192,1.0,71.5,17.7,2.3,8.5,AMZN:33.3%;TLT:33.3%;MUB:33.3%,US:75.5;EU:8.6;APAC:9.9;EM:3.0;Other:2.9,Value:0.0;Growth:+0.6;Quality:+0.3;Size:+0.9;Momentum:+0.5;LowVol:+0.9,,8,35,5.9,hard 12%,221,34.1,Bear,25.9,4.39,1.2,170,28,49,83,true,Hedge,Buy index puts 1% notional,19,-20,BrokerB,LMT,87,Drift>tolerance,Reduce,Allocation drift beyond policy bands,2,-36,136,2,false,Monitor dispersion and breadth
P9601,Active,Trust,USD,2025-12-10,2264901,157204,2107697,1.0,63.1,27.9,0.0,9.0,AMZN:25.0%;MUB:25.0%;VTI:25.0%;AAPL:25.0%,US:69.4;EU:9.2;APAC:12.5;EM:4.9;Other:4.0,Value:-0.1;Growth:-0.2;Quality:+0.5;Size:-0.8;Momentum:+0.4;LowVol:+0.8,,5,30,4.9,hard 12%,185,17.8,Bull,11.9,4.41,2.9,79,109,100,50,false,Sell,Trim extended winner -1%,-2,-1,BrokerD,LMT,95,None,None,Normal monitoring,47,-53,141,3,false,Tighten stops on momentum names
P9602,Systematic,Taxable,USD,2025-08-12,1797222,77818,1719404,1.0,67.6,24.4,0.0,8.0,MSFT:19.7%;HYG:18.9%;TLT:5.6%;QQQ:19.5%;BRK.B:20.2%;IEF:16.0%,US:76.1;EU:6.2;APAC:10.3;EM:7.1;Other:0.4,Value:-0.0;Growth:+0.2;Quality:-0.8;Size:-0.1;Momentum:-0.8;LowVol:+0.3,NoDerivatives,8,35,5.8,hard 12%,209,25.9,Volatile,28.2,3.56,2.9,134,29,61,72,true,Hedge,Buy index puts 1% notional,20,-18,BrokerD,LMT,96,VAR>budget,Reduce,Risk above budget threshold,56,-24,185,3,false,Tighten stops on momentum names
P9603,Systematic,Roth,USD,2025-08-09,1432632,138373,1294259,1.0,62.8,24.8,3.6,8.8,HYG:24.9%;VNQ:24.9%;AAPL:15.8%;TSLA:21.6%;GLD:12.9%,US:66.8;EU:10.2;APAC:16.9;EM:5.1;Other:1.0,Value:-0.9;Growth:-0.6;Quality:+0.8;Size:+0.1;Momentum:-0.6;LowVol:-0.3,,10,30,5.9,trailing 9%,157,28.0,Bull,14.8,4.78,2.5,99,25,61,53,false,Buy,Add to core equity +1%,20,-2,BrokerA,MKT,89,None,None,Normal monitoring,88,-29,216,5,false,Tax-aware sells next window
P9604,Active,Taxable,USD,2025-09-23,1009288,74101,935187,1.0,53.2,26.2,14.5,6.1,MSFT:15.5%;AAPL:22.0%;VTI:18.5%;XLF:22.0%;TLT:22.0%,US:66.3;EU:15.0;APAC:8.5;EM:6.0;Other:4.2,Value:+0.6;Growth:+0.1;Quality:+0.5;Size:+0.2;Momentum:+0.2;LowVol:0.0,,10,30,4.9,hard 12%,147,25.9,Bull,11.4,3.76,3.0,87,73,99,40,false,Rebalance,Shift +1% to bonds from equity,-5,-3,BrokerB,VWAP,90,None,None,Normal monitoring,56,-47,97,4,false,Within IPS guidelines
P9605,Cautious,Roth,USD,2024-07-05,432132,52121,380011,1.0,50.0,36.7,0.0,13.3,XLF:23.9%;BND:19.5%;VOO:13.5%;MUB:19.2%;GLD:23.9%,US:70.6;EU:9.6;APAC:11.0;EM:4.8;Other:4.0,Value:+0.2;Growth:-0.7;Quality:+0.9;Size:-0.8;Momentum:+0.8;LowVol:-0.3,NoMargin,5,25,4.3,hard 10%,96,13.2,Volatile,23.8,3.89,3.8,128,71,73,49,true,Hedge,Buy index puts 1% notional,-7,-19,BrokerB,LMT,97,VAR>budget,Reduce,Risk above budget threshold,-45,-50,6,5,false,Monitor dispersion and breadth
P9606,Systematic,Taxable,USD,2024-08-19,1787857,90228,1697629,1.0,55.9,32.9,1.3,9.8,MSFT:22.2%;IEF:25.9%;VTI:25.9%;VOO:25.9%,US:62.0;EU:16.7;APAC:6.4;EM:10.7;Other:4.2,Value:-0.6;Growth:-0.0;Quality:-0.9;Size:+0.5;Momentum:-0.6;LowVol:+0.3,MaxPos7%,10,30,5.2,trailing 8%,182,16.8,Volatile,28.6,4.89,4.1,122,-48,11,64,false,Sell,Trim extended winner -1%,31,7,BrokerB,LMT,98,None,None,Normal monitoring,-6,-44,42,5,false,Increase defensive factor exposure
P9607,Active,Taxable,USD,2025-03-31,2488779,260835,2227944,1.0,64.9,25.5,0.2,9.4,VOO:25.0%;VTI:25.0%;BRK.B:25.0%;GLD:25.0%,US:65.2;EU:11.3;APAC:8.2;EM:12.5;Other:2.8,Value:+0.4;Growth:0.0;Quality:0.0;Size:+0.2;Momentum:-0.2;LowVol:+1.0,MaxPos8%,5,30,5.2,hard 12%,144,25.7,Sideways,16.0,3.75,3.5,98,58,73,47,false,Buy,Add to core equity +1%,32,6,BrokerB,LMT,97,None,None,Normal monitoring,17,18,-17,3,false,Increase defensive factor exposure
P9608,Opportunistic,IRA,USD,2024-08-10,435898,36371,399527,1.19,62.0,12.6,20.7,4.7,AAPL:26.2%;TSLA:21.3%;AMZN:26.2%;GLD:26.2%,US:65.8;EU:12.4;APAC:13.8;EM:7.0;Other:1.0,Value:+0.7;Growth:0.0;Quality:-0.8;Size:+0.7;Momentum:+0.2;LowVol:+0.1,,6,25,5.0,trailing 7%,202,27.0,Sideways,15.5,4.12,2.3,104,12,54,43,true,Hedge,Buy index puts 1% notional,25,-5,BrokerC,LMT,85,RegimeShift,TightenStops,Volatility spike and breadth deterioration,58,-60,185,4,false,Tighten stops on momentum names
P9609,Systematic,IRA,USD,2025-08-05,1934589,178477,1756112,1.0,59.4,21.8,11.4,7.4,MSFT:26.4%;HYG:26.4%;VTI:26.4%;TLT:20.9%,US:69.7;EU:10.8;APAC:10.2;EM:7.7;Other:1.7,Value:+0.2;Growth:+0.8;Quality:-0.3;Size:-0.2;Momentum:-0.0;LowVol:-0.5,NoDerivatives,8,30,4.8,trailing 9%,202,25.2,Volatile,25.3,3.75,3.4,131,76,86,69,false,Sell,Trim extended winner -1%,31,-3,BrokerC,VWAP,100,None,None,Normal monitoring,7,4,-12,5,false,Tax-aware sells next window
P9610,Cautious,Trust,USD,2024-11-05,554420,69232,485188,1.0,50.9,32.9,3.7,12.5,VOO:16.2%;VNQ:27.9%;VTI:27.9%;BRK.B:27.9%,US:63.8;EU:7.7;APAC:13.9;EM:8.9;Other:5.7,Value:-0.7;Growth:+0.9;Quality:+0.8;Size:-0.6;Momentum:-1.0;LowVol:0.0,ESGOnly;MaxPos5%;NoMargin,6,25,4.5,trailing 10%,121,13.0,Bear,30.6,4.35,1.7,168,-117,5,63,false,Sell,Trim extended winner -1%,-1,-13,BrokerB,MKT,86,None,None,Normal monitoring,-35,-1,-25,3,false,Increase defensive factor exposure
P9611,Active,IRA,USD,2025-03-11,2381032,199132,2181900,1.0,62.5,26.9,5.5,5.1,AAPL:28.5%;VNQ:35.7%;MUB:35.7%,US:66.9;EU:7.8;APAC:12.9;EM:8.6;Other:3.8,Value:+0.3;Growth:-0.9;Quality:-0.9;Size:+0.1;Momentum:-0.1;LowVol:+0.7,NoDerivatives,6,30,4.1,hard 12%,159,19.7,Volatile,30.6,4.19,2.8,136,4,60,82,true,Hedge,Buy index puts 1% notional,-5,11,BrokerA,LMT,89,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-5,-22,62,2,false,Tax-aware sells next window
P9612,Cautious,Roth,USD,2025-08-06,153164,17995,135169,1.0,36.5,30.4,16.0,17.1,GLD:15.8%;BRK.B:20.2%;HYG:10.5%;VOO:20.5%;VNQ:17.8%;TSLA:15.2%,US:76.8;EU:5.7;APAC:6.9;EM:10.4;Other:0.1,Value:-0.2;Growth:-0.4;Quality:+0.2;Size:+0.5;Momentum:+0.4;LowVol:-0.8,MaxPos8%;NoMargin,5,30,4.2,trailing 8%,143,18.5,Volatile,20.1,3.63,4.5,151,30,71,38,false,Sell,Trim extended winner -1%,3,-2,BrokerC,VWAP,98,None,None,Normal monitoring,33,-36,73,3,false,Increase defensive factor exposure
P9613,Hands-off,Roth,USD,2025-10-21,545967,38543,507424,1.0,66.5,27.3,0.0,6.2,VNQ:11.9%;AAPL:12.8%;MUB:20.2%;BND:22.0%;VOO:22.0%;HYG:11.2%,US:69.6;EU:7.4;APAC:13.4;EM:4.4;Other:5.1,Value:-0.6;Growth:+0.7;Quality:-0.4;Size:-0.1;Momentum:0.0;LowVol:+0.9,ESGOnly;MaxPos5%;NoDerivatives,6,25,3.3,hard 10%,107,18.2,Bear,26.7,3.84,1.4,146,-28,27,65,false,Buy,Add to core equity +1%,31,-7,BrokerA,MKT,85,None,None,Normal monitoring,114,-58,254,3,false,Within IPS guidelines
P9614,Opportunistic,Trust,USD,2024-08-17,783199,41572,741627,1.0,63.0,19.1,10.3,7.6,TSLA:33.3%;VOO:33.3%;VTI:33.3%,US:66.7;EU:7.2;APAC:13.2;EM:9.2;Other:3.8,Value:-0.3;Growth:-0.5;Quality:-0.1;Size:+0.9;Momentum:+0.6;LowVol:-0.2,,10,30,5.3,trailing 7%,278,20.4,Volatile,31.1,3.9,3.1,150,15,68,70,false,Rebalance,Shift +1% to bonds from equity,14,-13,BrokerC,VWAP,86,None,None,Normal monitoring,-27,-48,-12,5,false,Monitor dispersion and breadth
P9615,Active,Taxable,USD,2024-08-14,1464510,158011,1306499,1.09,50.5,25.6,15.9,8.0,AAPL:35.9%;AMZN:35.9%;MSFT:28.1%,US:65.8;EU:5.9;APAC:13.2;EM:11.8;Other:3.4,Value:-0.3;Growth:+0.6;Quality:-0.6;Size:+0.5;Momentum:+0.6;LowVol:-0.3,NoDerivatives,10,25,5.4,hard 12%,197,25.5,Bull,12.2,4.7,2.1,110,89,91,30,false,Rebalance,Shift +1% to bonds from equity,-14,5,BrokerC,LMT,98,None,None,Normal monitoring,-19,18,-9,5,false,Tighten stops on momentum names
P9616,Active,Taxable,USD,2025-06-16,759888,75201,684687,1.0,62.9,26.6,1.2,9.2,GLD:21.0%;IEF:17.3%;HYG:8.0%;QQQ:20.6%;XLF:11.9%;AMZN:21.0%,US:58.2;EU:18.2;APAC:11.9;EM:8.1;Other:3.6,Value:+0.1;Growth:+0.2;Quality:+0.9;Size:+0.1;Momentum:-0.8;LowVol:-0.5,NoDerivatives,10,30,5.2,trailing 8%,227,22.8,Bull,15.3,4.51,3.3,79,13,60,46,false,Rebalance,Shift +1% to bonds from equity,-9,15,BrokerB,LMT,96,None,None,Normal monitoring,-35,-10,102,5,false,Monitor dispersion and breadth
P9617,Opportunistic,Roth,USD,2025-12-02,1143680,61916,1081764,1.16,64.8,19.3,9.1,6.8,GLD:27.3%;VNQ:27.3%;BND:27.3%;IEF:18.1%,US:64.2;EU:14.5;APAC:6.4;EM:12.6;Other:2.3,Value:0.0;Growth:+0.8;Quality:-0.3;Size:-0.1;Momentum:+0.8;LowVol:-0.4,NoDerivatives,7,25,6.1,trailing 9%,264,27.4,Sideways,19.5,4.73,3.4,138,25,62,59,true,Hedge,Buy index puts 1% notional,28,-9,BrokerD,VWAP,100,RegimeShift,TightenStops,Volatility spike and breadth deterioration,94,20,90,3,false,Increase defensive factor exposure
P9618,Opportunistic,Trust,USD,2025-05-09,1165686,100222,1065464,1.0,76.5,11.8,5.4,6.3,VNQ:22.8%;IEF:13.5%;HYG:19.0%;BND:22.0%;XLF:22.8%,US:61.9;EU:17.0;APAC:12.5;EM:7.5;Other:1.0,Value:+0.5;Growth:+0.8;Quality:+0.5;Size:+0.7;Momentum:+0.2;LowVol:-0.5,NoDerivatives,7,35,4.2,trailing 7%,187,35.0,Volatile,30.0,5.29,2.2,148,-33,38,86,true,Hedge,Buy index puts 1% notional,27,-8,BrokerC,VWAP,94,VAR>budget,Reduce,Risk above budget threshold,-28,-60,16,5,false,Tax-aware sells next window
P9619,Cautious,IRA,USD,2024-10-05,666513,82212,584301,1.0,42.7,36.1,3.8,17.4,HYG:13.2%;XLF:13.4%;VTI:22.7%;AMZN:25.4%;IEF:25.4%,US:62.0;EU:20.5;APAC:8.1;EM:7.5;Other:2.0,Value:-0.7;Growth:+0.2;Quality:-0.1;Size:+0.9;Momentum:+0.2;LowVol:-0.5,ESGOnly;NoMargin,5,35,4.1,trailing 8%,141,16.3,Volatile,30.9,4.65,2.5,148,55,78,57,false,Sell,Trim extended winner -1%,-14,-34,BrokerD,MKT,94,None,None,Normal monitoring,-34,-9,96,5,false,Monitor dispersion and breadth
P9620,Opportunistic,Trust,USD,2025-07-30,300285,14200,286085,1.0,73.9,19.9,0.0,6.3,VOO:14.5%;AMZN:23.3%;IEF:23.3%;QQQ:19.5%;VNQ:19.4%,US:59.0;EU:19.1;APAC:13.8;EM:4.1;Other:4.0,Value:+0.4;Growth:-0.7;Quality:+0.9;Size:+1.0;Momentum:+0.7;LowVol:+0.1,NoDerivatives,6,30,4.9,trailing 7%,228,34.0,Volatile,24.6,3.81,2.1,155,-11,34,63,false,Rebalance,Shift +1% to bonds from equity,18,-28,BrokerC,MKT,85,None,None,Normal monitoring,120,-12,120,3,false,Tax-aware sells next window
P9621,Hands-off,Trust,USD,2025-01-30,518539,20948,497591,1.0,62.1,16.9,12.6,8.4,HYG:22.9%;AMZN:8.6%;VNQ:22.9%;VOO:22.9%;GLD:22.9%,US:69.6;EU:10.0;APAC:8.3;EM:8.0;Other:4.1,Value:+0.5;Growth:0.0;Quality:-0.2;Size:-0.1;Momentum:-0.0;LowVol:-0.7,ESGOnly;MaxPos8%,8,25,5.1,hard 10%,167,18.4,Volatile,30.0,4.21,3.1,111,69,98,74,true,Hedge,Buy index puts 1% notional,-6,-15,BrokerC,MKT,91,Drift>tolerance,Pause,Allocation drift beyond policy bands,98,-15,112,2,false,Tax-aware sells next window
P9622,Hands-off,IRA,USD,2025-09-20,356294,14526,341768,1.0,55.5,21.6,15.7,7.2,AAPL:23.6%;MUB:25.5%;VNQ:25.5%;QQQ:25.5%,US:69.4;EU:5.7;APAC:12.2;EM:10.0;Other:2.7,Value:0.0;Growth:0.0;Quality:+0.5;Size:+0.4;Momentum:+0.2;LowVol:-1.0,ESGOnly,6,30,4.8,trailing 8%,161,14.7,Bear,31.3,3.96,2.6,132,-54,14,85,true,Hedge,Buy index puts 1% notional,9,9,BrokerA,MKT,86,RegimeShift,Reduce,Volatility spike and breadth deterioration,-41,-38,86,5,false,Monitor dispersion and breadth
P9623,Systematic,IRA,USD,2025-10-31,882429,62865,819564,1.0,61.0,31.7,0.0,7.3,VTI:24.7%;QQQ:10.5%;XLF:15.4%;HYG:24.7%;AMZN:24.7%,US:70.8;EU:12.5;APAC:9.8;EM:6.5;Other:0.3,Value:-0.4;Growth:+0.8;Quality:-0.5;Size:+0.3;Momentum:-0.7;LowVol:+0.6,,10,25,4.9,hard 12%,206,17.0,Volatile,20.0,4.99,4.2,117,78,94,48,false,NoAction,Within bands; monitor,-4,-25,BrokerD,MKT,0,None,None,Normal monitoring,-57,13,56,3,false,Increase defensive factor exposure
P9624,Opportunistic,401k,USD,2024-09-17,1319124,55128,1263996,1.0,64.8,16.4,12.0,6.8,AAPL:35.0%;MUB:30.1%;XLF:35.0%,US:59.4;EU:17.4;APAC:15.2;EM:6.3;Other:1.7,Value:-0.9;Growth:-0.5;Quality:-0.8;Size:-0.2;Momentum:-0.3;LowVol:+0.3,MaxPos5%;NoDerivatives,6,35,4.3,trailing 9%,184,23.1,Bull,12.6,4.01,3.5,79,59,67,52,false,Sell,Trim extended winner -1%,-6,-37,BrokerB,MKT,96,None,None,Normal monitoring,-44,-41,-2,5,false,Tighten stops on momentum names
P9625,Active,Trust,USD,2025-02-26,1222323,124750,1097573,1.0,61.0,30.4,0.0,8.7,TLT:16.6%;AMZN:17.6%;VOO:16.5%;MUB:14.0%;QQQ:17.8%;TSLA:17.7%,US:66.5;EU:8.7;APAC:9.3;EM:12.2;Other:3.3,Value:+0.6;Growth:-0.5;Quality:+0.8;Size:+0.1;Momentum:+0.5;LowVol:+0.6,,8,35,5.2,trailing 8%,225,24.4,Volatile,23.2,5.24,4.5,170,-3,33,53,true,Reduce,"Cut high-beta by 2-3%, add cash",3,8,BrokerC,LMT,89,RegimeShift,Hedge,Volatility spike and breadth deterioration,-23,-15,113,3,false,Within IPS guidelines
P9626,Active,Taxable,USD,2025-12-17,1571296,181497,1389799,1.0,52.9,27.6,10.1,9.4,VNQ:10.0%;MUB:20.8%;BND:22.7%;QQQ:22.7%;TLT:8.8%;BRK.B:15.0%,US:62.4;EU:11.4;APAC:10.9;EM:10.9;Other:4.4,Value:+0.7;Growth:-0.7;Quality:0.0;Size:+0.3;Momentum:-0.5;LowVol:+0.5,MaxPos8%,7,35,5.5,trailing 8%,134,16.0,Bear,27.0,3.63,2.9,168,-115,5,71,true,Hedge,Buy index puts 1% notional,19,-26,BrokerA,VWAP,95,VAR>budget,Reduce,Risk above budget threshold,56,4,40,5,false,Tighten stops on momentum names
P9627,Hands-off,Trust,USD,2024-08-06,866789,60706,806083,1.0,72.2,22.7,0.0,5.1,IEF:33.8%;VOO:33.8%;MUB:32.4%,US:66.4;EU:13.1;APAC:11.2;EM:7.8;Other:1.6,Value:+0.7;Growth:-0.6;Quality:-0.0;Size:+1.0;Momentum:+0.2;LowVol:-0.5,ESGOnly,5,30,4.1,trailing 8%,161,14.2,Bull,17.3,4.67,2.3,99,48,68,54,false,Hedge,Add TLT +1% as duration hedge,-8,5,BrokerB,LMT,86,None,None,Normal monitoring,-12,-28,59,4,false,Monitor dispersion and breadth
P9628,Hands-off,Trust,USD,2025-10-31,453688,37034,416654,1.0,57.8,29.0,4.1,9.1,VOO:25.0%;VTI:25.0%;QQQ:25.0%;MUB:25.0%,US:78.0;EU:7.6;APAC:9.1;EM:4.5;Other:0.8,Value:+0.2;Growth:-0.5;Quality:+0.3;Size:+0.3;Momentum:-0.2;LowVol:+0.9,MaxPos6%,7,30,5.4,hard 10%,124,15.4,Sideways,17.7,4.56,3.0,134,-23,46,44,false,Rebalance,Shift +1% to bonds from equity,27,-1,BrokerC,VWAP,94,None,None,Normal monitoring,58,-1,95,3,false,Monitor dispersion and breadth
P9629,Hands-off,401k,USD,2025-03-17,294560,27311,267249,1.0,55.1,21.3,14.9,8.7,IEF:23.4%;TLT:23.4%;QQQ:11.7%;VTI:18.1%;MUB:23.4%,US:67.9;EU:8.5;APAC:15.3;EM:4.0;Other:4.4,Value:-0.2;Growth:-0.5;Quality:-0.4;Size:+0.1;Momentum:-0.1;LowVol:+0.4,NoDerivatives,7,35,6.0,hard 10%,151,19.3,Sideways,19.1,3.94,2.2,106,6,43,47,true,Hedge,Buy index puts 1% notional,5,11,BrokerD,VWAP,86,VAR>budget,TightenStops,Risk above budget threshold,25,-4,136,4,false,Increase defensive factor exposure
P9630,Systematic,Trust,USD,2025-05-12,1689861,74299,1615562,1.0,59.6,33.6,0.0,6.8,GLD:13.5%;BND:21.0%;VNQ:10.5%;MSFT:22.3%;VTI:15.1%;VOO:17.5%,US:67.5;EU:16.2;APAC:7.3;EM:5.6;Other:3.4,Value:-0.2;Growth:+0.9;Quality:-0.5;Size:-0.9;Momentum:+0.8;LowVol:+0.1,,8,25,5.8,trailing 8%,127,19.4,Bull,15.0,4.02,2.2,119,59,86,50,false,Rebalance,Shift +1% to bonds from equity,5,-33,BrokerB,LMT,90,None,None,Normal monitoring,9,-41,96,3,false,Tighten stops on momentum names
P9631,Hands-off,401k,USD,2025-02-14,518047,24643,493404,1.0,65.9,27.2,0.0,6.9,VNQ:34.9%;MSFT:34.9%;AMZN:30.2%,US:71.6;EU:7.3;APAC:9.6;EM:10.7;Other:0.8,Value:-0.9;Growth:+0.7;Quality:+0.1;Size:+0.7;Momentum:+0.3;LowVol:+0.3,ESGOnly;MaxPos6%,7,30,4.1,trailing 8%,123,13.6,Bear,24.4,3.69,2.1,181,-18,33,72,true,Reduce,"Cut high-beta by 2-3%, add cash",-13,4,BrokerD,LMT,97,RegimeShift,Reduce,Volatility spike and breadth deterioration,42,-24,10,3,false,Increase defensive factor exposure
P9632,Active,Roth,USD,2025-03-12,542484,53788,488696,1.1,53.7,26.3,12.1,7.9,TSLA:23.2%;AMZN:23.2%;BRK.B:8.3%;AAPL:22.1%;HYG:23.2%,US:71.8;EU:11.6;APAC:9.9;EM:3.6;Other:3.0,Value:0.0;Growth:+0.3;Quality:+0.4;Size:+0.4;Momentum:+0.4;LowVol:-0.5,MaxPos7%,5,30,5.3,trailing 9%,230,24.0,Bull,15.8,4.66,3.2,85,22,66,40,true,Hedge,Buy index puts 1% notional,9,-11,BrokerA,LMT,99,Drift>tolerance,Reduce,Allocation drift beyond policy bands,114,-23,121,5,false,Within IPS guidelines
P9633,Active,Trust,USD,2025-02-10,1399307,134730,1264577,1.0,59.7,28.6,4.5,7.2,VTI:30.6%;BRK.B:30.6%;VNQ:16.7%;AMZN:22.1%,US:71.6;EU:7.8;APAC:10.2;EM:10.1;Other:0.3,Value:-0.1;Growth:-0.6;Quality:+0.6;Size:-0.6;Momentum:+0.2;LowVol:-0.0,,6,25,5.0,hard 12%,195,19.0,Volatile,28.6,5.25,3.6,174,-27,34,73,true,Hedge,Buy index puts 1% notional,-12,-3,BrokerD,LMT,87,VAR>budget,Hedge,Risk above budget threshold,82,-41,187,5,false,Monitor dispersion and breadth
P9634,Hands-off,Taxable,USD,2025-03-05,896637,88910,807727,1.0,65.1,28.8,0.0,6.1,AMZN:13.3%;BRK.B:6.1%;VNQ:18.1%;MSFT:21.2%;QQQ:20.2%;IEF:21.2%,US:72.3;EU:9.0;APAC:11.3;EM:5.6;Other:1.8,Value:-1.0;Growth:-0.7;Quality:-0.6;Size:-0.4;Momentum:-1.0;LowVol:-1.0,ESGOnly,7,35,3.7,trailing 8%,156,14.2,Bear,23.2,4.34,2.3,168,25,56,57,true,Hedge,Buy index puts 1% notional,9,-23,BrokerC,MKT,87,RegimeShift,TightenStops,Volatility spike and breadth deterioration,2,-34,60,4,false,Tighten stops on momentum names
P9635,Systematic,Taxable,USD,2025-09-26,1325904,66021,1259883,1.0,60.0,21.7,9.9,8.4,AAPL:16.6%;BRK.B:23.8%;IEF:23.8%;BND:23.8%;QQQ:12.0%,US:74.1;EU:7.7;APAC:8.3;EM:7.1;Other:2.7,Value:-1.0;Growth:+0.1;Quality:-0.1;Size:+1.0;Momentum:-0.6;LowVol:+0.2,MaxPos7%,7,30,5.5,trailing 9%,144,27.2,Bear,29.6,3.61,1.4,154,-103,5,84,true,Reduce,"Cut high-beta by 2-3%, add cash",24,8,BrokerA,LMT,98,Drift>tolerance,Hedge,Allocation drift beyond policy bands,5,7,93,4,false,Monitor dispersion and breadth
P9636,Hands-off,401k,USD,2025-11-05,785619,62014,723605,1.0,68.3,17.4,7.7,6.6,TLT:20.2%;VNQ:20.7%;HYG:23.9%;MUB:16.9%;VOO:18.2%,US:79.7;EU:5.7;APAC:8.1;EM:5.5;Other:1.0,Value:+0.2;Growth:-0.5;Quality:-0.2;Size:-0.2;Momentum:+1.0;LowVol:+0.5,MaxPos7%,10,35,3.5,trailing 8%,117,13.0,Bull,15.8,4.0,2.2,102,110,100,50,false,Rebalance,Shift +1% to bonds from equity,3,13,BrokerD,LMT,93,None,None,Normal monitoring,-40,-52,-27,4,false,Tighten stops on momentum names
P9637,Cautious,Roth,USD,2025-08-31,232843,25136,207707,1.0,35.1,32.1,16.9,15.8,MUB:33.3%;VNQ:33.3%;HYG:33.3%,US:57.1;EU:18.3;APAC:11.7;EM:10.5;Other:2.4,Value:-0.4;Growth:+0.4;Quality:-0.2;Size:-0.7;Momentum:-0.1;LowVol:+0.5,ESGOnly;NoMargin,7,25,4.3,hard 10%,129,16.6,Bull,12.5,4.67,2.5,91,104,98,23,false,Rebalance,Shift +1% to bonds from equity,-8,2,BrokerB,MKT,94,None,None,Normal monitoring,32,-37,160,4,false,Within IPS guidelines
P9638,Cautious,IRA,USD,2025-04-16,540647,67433,473214,1.0,48.0,36.6,1.6,13.8,VNQ:33.3%;GLD:33.3%;MUB:33.3%,US:75.7;EU:7.1;APAC:8.7;EM:8.3;Other:0.1,Value:+0.1;Growth:+1.0;Quality:+0.3;Size:-0.2;Momentum:-0.2;LowVol:-0.5,NoDerivatives;NoMargin,8,30,5.3,hard 10%,155,16.0,Bull,11.4,4.35,2.9,82,39,62,37,false,Hedge,Add TLT +1% as duration hedge,-8,-36,BrokerA,MKT,97,None,None,Normal monitoring,88,-9,87,5,false,Monitor dispersion and breadth
P9639,Hands-off,Roth,USD,2024-11-24,403331,22445,380886,1.0,57.9,24.9,8.5,8.7,BRK.B:33.3%;BND:33.3%;IEF:33.3%,US:62.8;EU:6.4;APAC:15.3;EM:12.6;Other:2.8,Value:-1.0;Growth:-0.5;Quality:-0.5;Size:+0.9;Momentum:+0.3;LowVol:-0.3,MaxPos5%,7,25,5.2,trailing 8%,107,15.3,Volatile,22.1,4.82,3.4,137,55,91,53,false,Rebalance,Shift +1% to bonds from equity,7,-33,BrokerD,MKT,90,None,None,Normal monitoring,17,-34,-6,4,false,Tax-aware sells next window
P9640,Systematic,401k,USD,2024-12-04,1368782,114926,1253856,1.0,63.5,21.5,6.1,8.9,GLD:16.2%;BRK.B:12.4%;VOO:10.2%;AMZN:21.6%;XLF:18.0%;BND:21.6%,US:68.6;EU:9.8;APAC:6.9;EM:12.5;Other:2.2,Value:-0.9;Growth:-0.5;Quality:+0.6;Size:-0.9;Momentum:-0.9;LowVol:-0.1,MaxPos7%;NoDerivatives,6,25,5.9,trailing 8%,192,25.1,Bear,33.8,3.99,2.6,206,-100,5,90,true,Hedge,Buy index puts 1% notional,22,-2,BrokerD,MKT,98,VAR>budget,Hedge,Risk above budget threshold,89,20,224,4,true,Monitor dispersion and breadth
P9641,Opportunistic,Roth,USD,2024-09-20,1015414,70784,944630,1.0,65.8,17.4,9.6,7.2,IEF:33.3%;MSFT:33.3%;TLT:33.3%,US:76.5;EU:5.6;APAC:8.0;EM:7.7;Other:2.1,Value:-0.4;Growth:-0.9;Quality:-0.8;Size:+0.8;Momentum:-1.0;LowVol:+0.2,,6,35,5.7,hard 12%,195,20.3,Bear,23.2,3.56,2.4,198,22,71,55,false,Rebalance,Shift +1% to bonds from equity,27,-34,BrokerB,VWAP,88,None,None,Normal monitoring,13,-30,6,5,false,Tighten stops on momentum names
P9642,Cautious,IRA,USD,2025-12-12,264222,32870,231352,1.0,41.5,43.3,0.0,15.2,IEF:33.3%;BND:33.3%;AAPL:33.3%,US:57.7;EU:14.7;APAC:15.4;EM:10.3;Other:1.9,Value:-0.1;Growth:-0.8;Quality:-1.0;Size:+0.7;Momentum:-0.5;LowVol:0.0,NoDerivatives;NoMargin,8,30,3.8,trailing 10%,99,15.4,Bull,11.3,4.9,3.3,98,3,43,24,false,Sell,Trim extended winner -1%,5,-4,BrokerC,LMT,90,None,None,Normal monitoring,19,-58,112,5,false,Increase defensive factor exposure
P9643,Hands-off,Taxable,USD,2025-11-23,473407,31890,441517,1.0,61.1,17.3,13.8,7.8,MSFT:20.5%;VNQ:6.7%;TSLA:18.2%;AMZN:15.0%;QQQ:19.0%;VTI:20.5%,US:68.5;EU:16.1;APAC:5.7;EM:5.6;Other:4.1,Value:-0.3;Growth:-0.4;Quality:-0.6;Size:+0.9;Momentum:+0.4;LowVol:+0.5,ESGOnly;NoDerivatives,7,25,5.9,trailing 8%,152,16.0,Sideways,16.5,4.97,2.1,92,-27,21,59,true,Hedge,Buy index puts 1% notional,9,-34,BrokerB,LMT,100,Drift>tolerance,Hedge,Allocation drift beyond policy bands,43,11,147,4,false,Increase defensive factor exposure
P9644,Cautious,Roth,USD,2025-05-25,794517,86823,707694,1.0,50.4,35.5,0.0,14.0,IEF:25.8%;TLT:22.5%;BRK.B:25.8%;VTI:25.8%,US:65.7;EU:16.7;APAC:7.5;EM:7.6;Other:2.4,Value:+0.9;Growth:+0.6;Quality:-0.4;Size:-1.0;Momentum:+0.6;LowVol:+0.3,ESGOnly;MaxPos6%;NoDerivatives;NoMargin,7,30,4.9,trailing 8%,101,18.2,Bull,11.8,4.7,3.2,98,55,63,33,true,Rebalance,Rebalance back to target bands,20,-26,BrokerD,MKT,88,VAR>budget,Reduce,Risk above budget threshold,-32,-40,-36,4,false,Tax-aware sells next window
P9645,Cautious,IRA,USD,2025-08-11,773290,79896,693394,1.0,41.4,37.1,10.3,11.1,VTI:28.2%;BRK.B:28.2%;BND:15.4%;AMZN:28.2%,US:64.6;EU:10.3;APAC:13.3;EM:10.4;Other:1.4,Value:+0.7;Growth:+0.4;Quality:+1.0;Size:-0.6;Momentum:-0.2;LowVol:+0.1,MaxPos7%;NoMargin,5,30,5.3,trailing 8%,131,15.5,Volatile,28.5,4.33,3.6,167,-11,35,57,false,Rebalance,Shift +1% to bonds from equity,26,-34,BrokerB,LMT,98,None,None,Normal monitoring,46,-52,168,4,false,Within IPS guidelines
P9646,Cautious,Trust,USD,2025-07-12,217493,34571,182922,1.0,47.4,32.5,7.8,12.3,IEF:26.5%;AAPL:26.5%;XLF:26.5%;BRK.B:20.5%,US:69.6;EU:11.9;APAC:8.3;EM:7.9;Other:2.2,Value:-0.5;Growth:-0.1;Quality:-0.1;Size:+0.3;Momentum:+1.0;LowVol:+0.4,ESGOnly;NoDerivatives;NoMargin,8,25,3.2,hard 10%,139,14.5,Volatile,31.2,3.72,2.4,147,-32,48,80,true,Hedge,Buy index puts 1% notional,2,-38,BrokerD,MKT,96,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-9,-23,-15,5,false,Within IPS guidelines
P9647,Hands-off,Taxable,USD,2025-01-31,685730,54723,631007,1.0,69.3,25.7,0.0,5.0,HYG:25.0%;TLT:25.0%;QQQ:25.0%;GLD:25.0%,US:78.7;EU:7.1;APAC:5.7;EM:7.2;Other:1.3,Value:-0.8;Growth:+0.9;Quality:-0.5;Size:+0.5;Momentum:+0.2;LowVol:+0.7,ESGOnly,5,25,4.1,hard 10%,144,19.7,Bear,29.6,4.31,2.6,217,24,69,79,true,Hedge,Buy index puts 1% notional,34,-25,BrokerD,MKT,86,RegimeShift,Hedge,Volatility spike and breadth deterioration,10,-35,36,5,false,Monitor dispersion and breadth
P9648,Hands-off,Roth,USD,2025-03-07,801868,77685,724183,1.0,59.0,15.0,18.4,7.6,TLT:22.0%;VTI:21.5%;AMZN:17.8%;BND:8.9%;AAPL:22.0%;MSFT:7.8%,US:60.6;EU:18.8;APAC:9.6;EM:8.2;Other:2.8,Value:+0.2;Growth:-0.2;Quality:-0.9;Size:+0.6;Momentum:+1.0;LowVol:0.0,ESGOnly,6,25,3.5,trailing 8%,159,15.5,Bull,17.8,4.17,2.6,80,49,71,54,false,Hedge,Add TLT +1% as duration hedge,25,-9,BrokerA,MKT,92,None,None,Normal monitoring,116,-48,248,3,false,Increase defensive factor exposure
P9649,Opportunistic,Roth,USD,2025-03-09,1253314,45768,1207546,1.13,77.2,16.1,0.1,6.6,BND:28.1%;BRK.B:28.1%;MUB:15.7%;VNQ:28.1%,US:58.1;EU:13.2;APAC:13.3;EM:9.8;Other:5.7,Value:+0.8;Growth:-0.1;Quality:+0.6;Size:+0.5;Momentum:-0.5;LowVol:+0.6,MaxPos8%,10,25,4.4,trailing 9%,222,21.0,Volatile,31.8,4.68,4.3,170,39,68,97,true,Rebalance,Rebalance back to target bands,-12,-26,BrokerA,LMT,87,Drift>tolerance,Hedge,Allocation drift beyond policy bands,67,-52,111,2,false,Tighten stops on momentum names
P9650,Hands-off,401k,USD,2025-11-19,790399,41262,749137,1.0,70.3,19.9,0.0,9.7,IEF:33.3%;VNQ:33.3%;TLT:33.3%,US:55.9;EU:19.6;APAC:14.6;EM:5.2;Other:4.8,Value:-0.2;Growth:+0.4;Quality:-0.1;Size:+0.4;Momentum:0.0;LowVol:+0.2,ESGOnly;MaxPos8%;NoDerivatives,10,35,4.3,trailing 8%,162,17.2,Bear,25.6,3.22,2.9,178,-43,19,70,false,Rebalance,Shift +1% to bonds from equity,17,-3,BrokerC,MKT,96,None,None,Normal monitoring,105,14,106,5,false,Tighten stops on momentum names
P9651,Hands-off,IRA,USD,2025-02-26,492746,27377,465369,1.0,71.6,22.4,0.0,6.0,XLF:21.8%;IEF:8.0%;TSLA:18.8%;VTI:11.1%;MSFT:21.8%;VOO:18.6%,US:80.0;EU:5.9;APAC:8.2;EM:3.6;Other:2.2,Value:-0.1;Growth:+0.8;Quality:+0.5;Size:-0.4;Momentum:-0.1;LowVol:-0.6,ESGOnly,7,35,5.9,trailing 8%,134,16.3,Volatile,25.0,3.65,2.5,168,-57,18,70,false,Hedge,Add TLT +1% as duration hedge,-14,-24,BrokerD,VWAP,88,None,None,Normal monitoring,-13,-18,0,3,false,Tighten stops on momentum names
P9652,Systematic,401k,USD,2025-10-15,1369708,69734,1299974,1.0,57.7,21.7,13.7,6.9,TLT:32.4%;MSFT:33.8%;AMZN:33.8%,US:62.9;EU:8.6;APAC:10.6;EM:13.5;Other:4.5,Value:+0.3;Growth:-0.4;Quality:-0.0;Size:-0.2;Momentum:-0.3;LowVol:+0.4,,10,35,4.1,hard 12%,204,22.0,Volatile,23.9,5.42,3.0,130,47,73,60,false,Sell,Trim extended winner -1%,-2,-33,BrokerA,MKT,93,None,None,Normal monitoring,24,-1,78,3,false,Tax-aware sells next window
P9653,Cautious,Roth,USD,2025-04-26,722060,104077,617983,1.0,37.3,39.4,7.9,15.4,TLT:27.4%;BND:27.4%;VNQ:17.7%;IEF:27.4%,US:61.2;EU:18.4;APAC:6.4;EM:11.5;Other:2.5,Value:-0.8;Growth:+0.1;Quality:-0.6;Size:+0.4;Momentum:-0.9;LowVol:+0.7,ESGOnly;MaxPos6%;NoMargin,5,25,4.5,trailing 8%,159,17.6,Bear,23.1,3.47,1.7,163,15,49,42,false,Buy,Add to core equity +1%,-3,-31,BrokerD,LMT,96,None,None,Normal monitoring,-9,5,-29,3,false,Tighten stops on momentum names
P9654,Hands-off,Trust,USD,2025-05-31,555780,39738,516042,1.0,66.2,26.9,1.1,5.8,AMZN:23.7%;MUB:25.6%;VTI:25.6%;BND:25.1%,US:70.7;EU:9.3;APAC:12.8;EM:5.2;Other:2.0,Value:+0.9;Growth:+0.7;Quality:-1.0;Size:-0.8;Momentum:+0.7;LowVol:+0.8,ESGOnly,10,30,5.6,trailing 10%,141,16.4,Volatile,21.4,4.11,3.8,129,19,54,54,false,Hedge,Add TLT +1% as duration hedge,34,15,BrokerD,VWAP,100,None,None,Normal monitoring,-12,-3,65,4,false,Within IPS guidelines
P9655,Systematic,Roth,USD,2024-11-03,851041,82322,768719,1.0,58.9,22.3,10.2,8.6,AAPL:6.6%;MSFT:21.3%;VOO:21.3%;XLF:13.5%;GLD:21.3%;TSLA:16.0%,US:66.0;EU:6.6;APAC:16.0;EM:9.3;Other:2.1,Value:-0.4;Growth:-0.4;Quality:-0.1;Size:-0.7;Momentum:-0.8;LowVol:+0.8,,7,25,5.6,trailing 9%,228,20.0,Bull,14.6,4.27,3.5,116,22,68,43,false,Hedge,Add TLT +1% as duration hedge,-3,10,BrokerB,LMT,87,None,None,Normal monitoring,8,20,101,5,false,Increase defensive factor exposure
P9656,Active,401k,USD,2025-01-05,1788326,150315,1638011,1.19,56.8,29.9,3.7,9.6,QQQ:21.8%;MSFT:30.2%;GLD:30.2%;BND:17.7%,US:71.4;EU:10.5;APAC:12.1;EM:5.4;Other:0.6,Value:+0.3;Growth:+0.8;Quality:-0.6;Size:-0.2;Momentum:+0.6;LowVol:-0.4,,5,30,4.7,trailing 8%,122,20.6,Bull,17.6,4.68,2.3,111,79,97,45,false,NoAction,Within bands; monitor,2,-5,BrokerB,LMT,90,None,None,Normal monitoring,-17,-43,98,4,false,Within IPS guidelines
P9657,Active,Taxable,USD,2025-11-24,812739,94253,718486,1.0,58.0,18.9,15.8,7.3,AMZN:25.0%;VTI:25.0%;VNQ:25.0%;BRK.B:25.0%,US:72.5;EU:10.4;APAC:7.7;EM:4.7;Other:4.7,Value:-0.3;Growth:+0.6;Quality:-0.2;Size:-0.3;Momentum:+1.0;LowVol:+0.1,NoDerivatives,7,25,4.7,trailing 9%,132,18.4,Sideways,14.8,3.58,2.9,96,-7,50,38,false,NoAction,Within bands; monitor,34,-18,BrokerC,LMT,85,None,None,Normal monitoring,27,-17,-12,4,false,Increase defensive factor exposure
P9658,Hands-off,IRA,USD,2025-02-16,619923,57616,562307,1.0,60.5,24.9,5.2,9.5,TSLA:23.5%;BRK.B:23.5%;MUB:23.5%;TLT:11.2%;VNQ:18.1%,US:67.2;EU:10.6;APAC:8.3;EM:9.7;Other:4.2,Value:-0.7;Growth:+0.8;Quality:-0.7;Size:-0.2;Momentum:+0.4;LowVol:+0.4,ESGOnly,10,35,5.2,trailing 8%,137,12.3,Volatile,26.8,3.9,2.2,160,5,56,76,true,Hedge,Buy index puts 1% notional,17,-38,BrokerA,LMT,85,Drift>tolerance,Reduce,Allocation drift beyond policy bands,26,-58,-1,2,false,Increase defensive factor exposure
P9659,Active,Roth,USD,2024-08-16,1316630,119097,1197533,1.0,64.5,29.4,0.9,5.2,AAPL:33.3%;TSLA:33.3%;XLF:33.3%,US:67.4;EU:8.6;APAC:9.3;EM:10.5;Other:4.3,Value:-0.2;Growth:+0.3;Quality:-0.3;Size:+0.4;Momentum:+0.6;LowVol:+0.6,MaxPos5%,8,35,5.9,trailing 9%,198,25.2,Bull,17.6,3.89,2.6,103,106,96,53,false,Buy,Add to core equity +1%,13,-30,BrokerA,LMT,97,None,None,Normal monitoring,-7,1,-24,4,false,Tighten stops on momentum names
P9660,Cautious,Roth,USD,2025-11-01,224823,28022,196801,1.0,50.6,36.8,0.0,12.6,MSFT:34.1%;XLF:31.9%;HYG:34.1%,US:73.1;EU:7.4;APAC:14.2;EM:4.3;Other:1.0,Value:+0.1;Growth:+0.1;Quality:+0.9;Size:+0.6;Momentum:-0.5;LowVol:-0.5,NoMargin,7,25,5.8,trailing 8%,115,15.8,Bear,22.4,3.79,2.0,182,11,59,53,false,Rebalance,Shift +1% to bonds from equity,15,-21,BrokerD,LMT,86,None,None,Normal monitoring,-14,-37,-25,5,false,Tighten stops on momentum names
P9661,Hands-off,Trust,USD,2025-12-09,683621,41780,641841,1.0,67.7,23.5,0.0,8.9,VTI:24.2%;TLT:37.9%;VOO:37.9%,US:62.1;EU:15.5;APAC:13.0;EM:9.4;Other:0.0,Value:-0.9;Growth:+0.2;Quality:+0.4;Size:+0.1;Momentum:+0.5;LowVol:-0.1,ESGOnly;MaxPos8%;NoDerivatives,5,30,5.6,trailing 8%,130,17.8,Volatile,22.5,4.55,3.5,172,1,56,71,true,Reduce,"Cut high-beta by 2-3%, add cash",35,13,BrokerC,LMT,87,VAR>budget,Reduce,Risk above budget threshold,37,-52,177,4,false,Tighten stops on momentum names
P9662,Cautious,Trust,USD,2025-10-07,495686,47855,447831,1.0,45.2,30.7,9.3,14.8,AAPL:8.5%;HYG:21.6%;VOO:16.8%;TLT:17.2%;VTI:18.5%;AMZN:17.4%,US:70.1;EU:11.8;APAC:8.7;EM:5.0;Other:4.3,Value:0.0;Growth:-0.1;Quality:-0.9;Size:-0.8;Momentum:0.0;LowVol:-0.6,ESGOnly;NoMargin,10,35,3.3,hard 10%,160,12.7,Bull,12.7,3.95,3.3,73,45,61,38,true,Hedge,Buy index puts 1% notional,13,-27,BrokerD,MKT,92,VAR>budget,Hedge,Risk above budget threshold,28,-43,148,3,false,Tighten stops on momentum names
P9663,Active,IRA,USD,2024-07-12,828526,63388,765138,1.0,51.4,28.5,11.8,8.2,AMZN:12.0%;MUB:14.5%;AAPL:22.6%;BRK.B:16.0%;VOO:22.6%;IEF:12.2%,US:61.6;EU:18.2;APAC:8.6;EM:8.5;Other:3.2,Value:-0.0;Growth:+0.3;Quality:-1.0;Size:+0.1;Momentum:-0.1;LowVol:+1.0,,6,25,5.2,trailing 8%,208,25.9,Bull,11.7,4.09,3.0,107,91,82,28,false,Rebalance,Shift +1% to bonds from equity,15,-37,BrokerA,LMT,99,None,None,Normal monitoring,80,5,140,3,false,Tighten stops on momentum names
P9664,Systematic,401k,USD,2025-05-16,715434,35918,679516,1.0,60.6,29.1,4.8,5.5,GLD:24.0%;QQQ:24.0%;TSLA:16.6%;VOO:24.0%;IEF:11.4%,US:62.3;EU:16.2;APAC:5.9;EM:11.8;Other:3.8,Value:-0.8;Growth:-0.1;Quality:+0.4;Size:+0.9;Momentum:-0.3;LowVol:-0.3,,7,35,4.8,trailing 8%,199,23.1,Volatile,21.8,4.19,2.1,166,-57,21,55,false,Sell,Trim extended winner -1%,19,-3,BrokerA,LMT,98,None,None,Normal monitoring,85,-6,184,5,false,Tax-aware sells next window
P9665,Cautious,401k,USD,2025-07-02,832896,111713,721183,1.0,39.6,33.5,9.0,17.9,VNQ:21.7%;AAPL:21.7%;HYG:20.4%;TLT:15.8%;VTI:20.4%,US:60.1;EU:11.3;APAC:13.5;EM:10.5;Other:4.6,Value:+0.5;Growth:-0.7;Quality:-0.2;Size:0.0;Momentum:+0.5;LowVol:+0.5,NoMargin,10,25,4.4,trailing 8%,125,16.0,Bear,28.6,3.43,1.9,201,39,65,65,true,Hedge,Buy index puts 1% notional,18,0,BrokerA,VWAP,97,VAR>budget,Reduce,Risk above budget threshold,-45,-9,-53,3,false,Tighten stops on momentum names
P9666,Opportunistic,Taxable,USD,2025-06-25,561278,22467,538811,1.0,70.3,20.2,2.4,7.0,HYG:24.1%;VOO:12.6%;MUB:24.1%;TSLA:21.7%;IEF:17.5%,US:63.5;EU:7.6;APAC:17.1;EM:8.9;Other:2.8,Value:+0.6;Growth:-0.5;Quality:-0.2;Size:+0.1;Momentum:+0.8;LowVol:-0.5,MaxPos6%;NoDerivatives,5,25,6.1,trailing 7%,272,34.5,Bull,16.2,3.52,3.0,86,43,57,64,false,Sell,Trim extended winner -1%,28,-22,BrokerD,LMT,88,None,None,Normal monitoring,-32,-30,32,4,false,Monitor dispersion and breadth
P9667,Hands-off,Roth,USD,2025-02-13,658779,62365,596414,1.0,62.0,19.2,13.6,5.3,MUB:26.3%;GLD:21.2%;BND:26.3%;QQQ:26.3%,US:67.6;EU:11.3;APAC:13.0;EM:6.9;Other:1.1,Value:-0.2;Growth:+0.7;Quality:-0.2;Size:+0.4;Momentum:-0.3;LowVol:+0.3,ESGOnly,6,35,3.5,trailing 8%,163,18.9,Volatile,20.3,4.78,2.8,163,26,70,63,false,Buy,Add to core equity +1%,-11,-4,BrokerB,MKT,91,None,None,Normal monitoring,-35,0,-45,3,false,Tighten stops on momentum names
P9668,Systematic,Trust,USD,2024-09-10,1537150,97021,1440129,1.0,60.6,30.3,0.0,9.1,VOO:20.3%;QQQ:26.6%;BND:26.6%;TLT:26.6%,US:64.0;EU:12.7;APAC:9.1;EM:10.3;Other:3.8,Value:-0.9;Growth:-0.2;Quality:+0.2;Size:0.0;Momentum:-0.9;LowVol:+0.7,MaxPos8%;NoDerivatives,7,30,4.5,trailing 9%,171,24.4,Volatile,25.3,3.65,3.3,171,58,75,67,false,Sell,Trim extended winner -1%,-13,3,BrokerB,LMT,92,None,None,Normal monitoring,26,1,33,5,false,Tax-aware sells next window
P9669,Active,Taxable,USD,2025-11-30,2002368,159112,1843256,1.07,64.7,30.1,0.0,5.1,IEF:28.3%;AAPL:28.3%;AMZN:15.0%;TLT:28.3%,US:61.4;EU:12.8;APAC:9.6;EM:11.4;Other:4.9,Value:-0.6;Growth:-0.5;Quality:+0.6;Size:+0.3;Momentum:-0.5;LowVol:+0.2,MaxPos5%;NoDerivatives,6,30,5.3,trailing 9%,184,19.3,Bear,31.5,3.78,1.2,209,-73,12,83,true,Reduce,"Cut high-beta by 2-3%, add cash",35,11,BrokerD,LMT,88,VAR>budget,Hedge,Risk above budget threshold,95,-33,196,3,false,Within IPS guidelines
P9670,Opportunistic,Roth,USD,2025-08-04,1782430,157102,1625328,1.0,60.7,11.0,19.6,8.7,VNQ:26.1%;TLT:26.1%;AMZN:21.7%;TSLA:26.1%,US:74.3;EU:12.3;APAC:8.7;EM:3.7;Other:0.9,Value:-0.7;Growth:-0.9;Quality:+0.4;Size:+0.1;Momentum:+0.3;LowVol:+0.9,,5,25,4.5,hard 12%,247,30.6,Volatile,21.6,4.11,3.7,159,-36,17,59,false,Rebalance,Shift +1% to bonds from equity,9,6,BrokerD,MKT,87,None,None,Normal monitoring,92,2,78,5,false,Tax-aware sells next window
P9671,Cautious,401k,USD,2025-04-14,250678,34990,215688,1.0,47.0,30.5,12.0,10.5,TLT:36.6%;VTI:36.6%;GLD:26.8%,US:79.2;EU:6.9;APAC:5.3;EM:4.1;Other:4.5,Value:-0.8;Growth:+0.5;Quality:-0.4;Size:-0.6;Momentum:-0.9;LowVol:-0.3,MaxPos7%;NoDerivatives;NoMargin,10,25,3.6,trailing 8%,139,19.5,Volatile,29.6,4.42,4.0,161,79,92,67,false,Sell,Trim extended winner -1%,-10,4,BrokerB,MKT,87,None,None,Normal monitoring,-51,-52,38,5,false,Tighten stops on momentum names
P9672,Cautious,Roth,USD,2025-03-28,558179,45677,512502,1.0,45.6,37.6,0.0,16.8,BRK.B:22.7%;VTI:11.9%;TLT:22.7%;BND:13.6%;TSLA:9.1%;HYG:20.0%,US:60.1;EU:6.5;APAC:16.2;EM:12.8;Other:4.3,Value:-0.1;Growth:+0.1;Quality:-0.0;Size:+0.4;Momentum:+0.5;LowVol:-0.8,MaxPos6%;NoMargin,7,35,5.0,trailing 10%,104,19.2,Volatile,31.4,4.62,2.7,148,56,71,78,true,Hedge,Buy index puts 1% notional,10,-15,BrokerD,MKT,94,Drift>tolerance,Hedge,Allocation drift beyond policy bands,68,17,62,3,false,Tax-aware sells next window
P9673,Active,IRA,USD,2025-06-04,1611033,139310,1471723,1.05,62.5,18.5,10.6,8.5,GLD:22.7%;BRK.B:20.6%;TLT:23.5%;VNQ:9.8%;MSFT:23.5%,US:59.4;EU:20.5;APAC:10.0;EM:10.1;Other:0.0,Value:+0.6;Growth:-0.1;Quality:-0.6;Size:-1.0;Momentum:-0.6;LowVol:-1.0,,5,25,5.1,hard 12%,166,26.4,Bear,34.2,3.79,2.9,134,29,63,85,true,Hedge,Buy index puts 1% notional,23,-40,BrokerB,MKT,93,VAR>budget,Reduce,Risk above budget threshold,-34,-32,-6,2,false,Tax-aware sells next window
P9674,Active,Roth,USD,2024-11-19,1224233,142432,1081801,1.13,66.5,22.4,6.0,5.1,MSFT:20.3%;TLT:19.6%;BND:15.1%;AMZN:11.6%;HYG:15.5%;IEF:18.0%,US:68.0;EU:13.0;APAC:13.2;EM:4.3;Other:1.5,Value:+0.5;Growth:-0.2;Quality:+0.3;Size:+0.5;Momentum:-0.9;LowVol:-0.7,MaxPos5%,5,30,4.0,trailing 8%,212,25.4,Volatile,26.0,4.71,4.3,126,79,92,75,true,Hedge,Buy index puts 1% notional,32,-28,BrokerA,MKT,95,Drift>tolerance,Hedge,Allocation drift beyond policy bands,35,-30,104,3,false,Tighten stops on momentum names
P9675,Hands-off,Roth,USD,2025-07-02,258775,16766,242009,1.0,66.0,25.8,0.0,8.3,AAPL:22.3%;BND:22.9%;TSLA:22.9%;TLT:9.1%;QQQ:22.9%,US:64.8;EU:17.4;APAC:9.5;EM:7.6;Other:0.8,Value:-0.0;Growth:+0.5;Quality:-0.5;Size:-0.3;Momentum:+0.6;LowVol:+0.8,MaxPos6%,5,25,3.2,trailing 8%,157,18.3,Bear,26.5,3.1,1.2,160,-86,5,77,true,Reduce,"Cut high-beta by 2-3%, add cash",3,-40,BrokerB,LMT,89,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-47,-23,76,5,true,Tighten stops on momentum names
P9676,Cautious,Trust,USD,2025-08-21,710929,88286,622643,1.0,42.5,36.7,9.3,11.5,TSLA:28.3%;GLD:18.6%;AAPL:24.7%;VTI:28.3%,US:63.1;EU:20.0;APAC:9.2;EM:5.7;Other:1.9,Value:+0.3;Growth:+1.0;Quality:-0.2;Size:+0.5;Momentum:-0.9;LowVol:+0.6,MaxPos8%;NoMargin,5,25,4.2,trailing 8%,167,14.3,Bull,17.5,4.84,2.2,82,53,88,45,false,Buy,Add to core equity +1%,9,13,BrokerA,LMT,96,None,None,Normal monitoring,67,5,56,5,false,Increase defensive factor exposure
P9677,Active,IRA,USD,2025-12-07,2313883,150949,2162934,1.0,55.7,24.2,10.8,9.4,TSLA:21.3%;TLT:18.0%;MUB:14.6%;GLD:21.3%;IEF:16.2%;AAPL:8.6%,US:69.0;EU:8.0;APAC:11.2;EM:6.6;Other:5.2,Value:+0.3;Growth:+0.2;Quality:-0.8;Size:-0.4;Momentum:+0.9;LowVol:+0.7,MaxPos8%;NoDerivatives,5,35,4.7,trailing 9%,225,27.3,Bull,11.5,4.4,3.4,88,3,45,27,false,NoAction,Within bands; monitor,15,-14,BrokerD,LMT,98,None,None,Normal monitoring,16,-56,19,4,false,Tighten stops on momentum names
P9678,Cautious,401k,USD,2025-04-26,525403,80043,445360,1.0,47.7,33.6,7.3,11.4,BRK.B:10.6%;GLD:15.8%;TLT:20.5%;IEF:12.9%;TSLA:20.0%;XLF:20.2%,US:70.6;EU:9.8;APAC:12.1;EM:3.9;Other:3.6,Value:+0.5;Growth:-0.9;Quality:-0.9;Size:-0.6;Momentum:+0.1;LowVol:-0.8,ESGOnly;NoDerivatives;NoMargin,7,30,5.2,hard 10%,169,16.3,Sideways,14.6,4.39,3.2,132,-14,31,30,false,Sell,Trim extended winner -1%,31,-24,BrokerD,MKT,89,None,None,Normal monitoring,74,13,158,5,false,Increase defensive factor exposure
P9679,Hands-off,IRA,USD,2025-03-27,189686,17664,172022,1.0,72.6,20.3,1.6,5.4,MUB:37.2%;IEF:25.5%;GLD:37.2%,US:64.1;EU:22.0;APAC:5.9;EM:4.9;Other:3.1,Value:-0.3;Growth:+0.2;Quality:+0.6;Size:-0.6;Momentum:-0.7;LowVol:-0.7,,10,35,5.2,hard 10%,108,13.5,Volatile,21.5,4.92,2.0,142,7,41,61,false,Buy,Add to core equity +1%,1,-19,BrokerA,MKT,89,None,None,Normal monitoring,7,-45,-15,5,false,Tax-aware sells next window
P9680,Hands-off,IRA,USD,2025-05-13,571862,52635,519227,1.0,68.5,25.1,0.0,6.4,VOO:6.6%;TLT:23.3%;VNQ:23.3%;HYG:23.3%;BRK.B:23.3%,US:71.6;EU:6.9;APAC:13.4;EM:5.8;Other:2.3,Value:0.0;Growth:+0.8;Quality:-0.1;Size:-0.6;Momentum:-0.4;LowVol:-0.9,MaxPos6%;NoDerivatives,5,30,5.9,hard 10%,93,12.9,Sideways,21.4,4.54,2.2,91,-21,41,73,false,Buy,Add to core equity +1%,14,-25,BrokerA,MKT,94,None,None,Normal monitoring,100,-41,91,4,false,Tax-aware sells next window
P9681,Hands-off,Roth,USD,2025-05-20,840979,48676,792303,1.0,69.7,22.6,1.6,6.0,MSFT:14.6%;VOO:21.3%;XLF:11.9%;IEF:17.7%;BRK.B:21.3%;VNQ:13.2%,US:76.8;EU:7.9;APAC:8.9;EM:5.4;Other:1.0,Value:+0.1;Growth:+0.7;Quality:+0.1;Size:+0.5;Momentum:+0.8;LowVol:+0.7,MaxPos6%;NoDerivatives,5,35,4.5,hard 10%,144,16.3,Sideways,20.8,4.27,2.3,102,5,61,65,false,NoAction,Within bands; monitor,31,-35,BrokerC,MKT,0,None,None,Normal monitoring,105,-4,121,4,false,Monitor dispersion and breadth
P9682,Active,Trust,USD,2025-07-17,1327966,124839,1203127,1.0,55.1,30.7,4.8,9.4,XLF:15.7%;VOO:22.0%;MSFT:18.3%;AAPL:22.0%;HYG:22.0%,US:73.5;EU:12.3;APAC:9.2;EM:3.4;Other:1.6,Value:+0.5;Growth:+0.5;Quality:-0.4;Size:+0.1;Momentum:+0.4;LowVol:+0.3,,5,25,4.5,trailing 9%,202,25.1,Bull,16.5,4.39,3.4,80,112,100,52,false,Buy,Add to core equity +1%,29,-26,BrokerD,LMT,88,None,None,Normal monitoring,26,-7,144,4,false,Monitor dispersion and breadth
P9683,Opportunistic,401k,USD,2025-09-07,741999,23656,718343,1.0,61.5,16.7,17.4,4.4,TSLA:23.7%;AMZN:14.7%;BRK.B:14.1%;MSFT:23.7%;VNQ:23.7%,US:71.6;EU:16.1;APAC:7.9;EM:3.1;Other:1.3,Value:-0.9;Growth:-0.7;Quality:-0.6;Size:+0.1;Momentum:+0.2;LowVol:+0.6,MaxPos5%,8,30,5.2,hard 12%,266,24.1,Bull,15.2,4.04,3.3,98,45,59,57,false,Rebalance,Shift +1% to bonds from equity,16,-2,BrokerA,MKT,95,None,None,Normal monitoring,-12,12,48,5,false,Tax-aware sells next window
P9684,Opportunistic,Roth,USD,2025-03-21,1025501,65042,960459,1.0,64.5,15.1,15.1,5.3,VNQ:14.4%;MSFT:15.6%;XLF:13.9%;VTI:23.5%;GLD:23.5%;BRK.B:9.2%,US:63.8;EU:16.5;APAC:6.7;EM:8.7;Other:4.4,Value:+1.0;Growth:+0.3;Quality:-0.0;Size:+0.2;Momentum:+0.8;LowVol:+0.6,,8,30,5.9,trailing 7%,237,25.5,Sideways,16.5,4.03,2.3,130,25,70,54,false,Buy,Add to core equity +1%,-9,-30,BrokerB,VWAP,85,None,None,Normal monitoring,33,-45,127,4,false,Monitor dispersion and breadth
P9685,Active,Roth,USD,2025-08-11,772874,56729,716145,1.0,62.1,31.8,0.0,6.1,VOO:28.8%;IEF:28.8%;BRK.B:28.8%;GLD:13.7%,US:69.8;EU:14.9;APAC:7.3;EM:5.5;Other:2.6,Value:-0.4;Growth:+0.1;Quality:-0.8;Size:+0.5;Momentum:+0.9;LowVol:+0.7,,10,35,4.9,trailing 8%,126,19.6,Sideways,21.2,4.58,2.5,109,-3,43,64,false,Rebalance,Shift +1% to bonds from equity,15,3,BrokerB,LMT,97,None,None,Normal monitoring,-22,-30,-33,4,false,Within IPS guidelines
P9686,Hands-off,Roth,USD,2025-05-03,890390,41005,849385,1.0,66.0,22.2,3.7,8.1,TSLA:24.6%;VOO:29.8%;TLT:29.8%;MSFT:15.8%,US:68.5;EU:13.9;APAC:6.0;EM:9.6;Other:2.0,Value:+0.3;Growth:+0.8;Quality:+0.2;Size:+0.5;Momentum:-0.1;LowVol:-0.1,ESGOnly,10,35,3.9,trailing 8%,95,16.6,Bear,28.0,3.0,1.1,176,-113,5,72,true,Hedge,Buy index puts 1% notional,5,-10,BrokerB,MKT,93,VAR>budget,Reduce,Risk above budget threshold,29,11,72,5,false,Tighten stops on momentum names
P9687,Active,401k,USD,2024-08-13,1654814,153048,1501766,1.0,55.3,29.6,9.0,6.0,XLF:17.8%;AAPL:17.4%;TLT:19.1%;AMZN:22.9%;VTI:22.9%,US:70.4;EU:16.0;APAC:7.8;EM:3.0;Other:2.7,Value:+0.3;Growth:+0.3;Quality:-0.2;Size:+0.7;Momentum:+0.1;LowVol:+0.8,MaxPos8%,5,30,4.7,trailing 8%,134,21.2,Volatile,27.6,5.47,4.2,110,50,88,78,true,Hedge,Buy index puts 1% notional,-7,-6,BrokerD,MKT,87,VAR>budget,Pause,Risk above budget threshold,78,-35,189,2,false,Increase defensive factor exposure
P9688,Opportunistic,IRA,USD,2025-02-21,850704,64399,786305,1.0,76.2,13.9,2.0,7.8,VNQ:33.3%;TSLA:33.3%;IEF:33.3%,US:62.9;EU:15.1;APAC:8.4;EM:10.9;Other:2.7,Value:+1.0;Growth:-0.7;Quality:-0.4;Size:+0.4;Momentum:-0.9;LowVol:-0.4,MaxPos5%,8,25,4.1,trailing 9%,275,27.1,Bull,13.1,4.61,2.8,119,107,100,49,false,Buy,Add to core equity +1%,28,-17,BrokerD,VWAP,86,None,None,Normal monitoring,-42,-40,67,5,false,Within IPS guidelines
P9689,Hands-off,Taxable,USD,2025-01-17,716708,40485,676223,1.0,59.6,22.0,8.8,9.5,TSLA:33.3%;QQQ:33.3%;VTI:33.3%,US:66.1;EU:13.5;APAC:9.8;EM:10.3;Other:0.3,Value:-0.4;Growth:+0.9;Quality:-0.7;Size:+0.8;Momentum:-0.0;LowVol:+0.6,MaxPos7%,5,30,3.6,trailing 10%,152,15.9,Volatile,26.7,4.7,4.0,145,7,68,72,true,Reduce,"Cut high-beta by 2-3%, add cash",-2,-29,BrokerB,LMT,88,Drift>tolerance,Hedge,Allocation drift beyond policy bands,113,-11,95,4,false,Within IPS guidelines
P9690,Active,Taxable,USD,2025-02-17,1265181,87299,1177882,1.19,55.7,27.3,7.1,9.9,BND:29.2%;VTI:29.2%;TLT:19.5%;VNQ:22.1%,US:77.6;EU:11.2;APAC:7.3;EM:3.9;Other:0.1,Value:+0.6;Growth:-1.0;Quality:0.0;Size:+0.3;Momentum:+0.7;LowVol:-0.0,NoDerivatives,5,25,5.5,hard 12%,210,24.9,Volatile,21.9,3.95,4.5,147,6,61,53,true,Rebalance,Rebalance back to target bands,34,11,BrokerB,LMT,99,Drift>tolerance,Hedge,Allocation drift beyond policy bands,43,-54,69,3,false,Monitor dispersion and breadth
P9691,Cautious,IRA,USD,2024-12-22,253100,37513,215587,1.0,41.2,36.8,10.8,11.2,IEF:21.5%;XLF:19.8%;MSFT:21.5%;AMZN:7.5%;VTI:12.4%;AAPL:17.2%,US:72.7;EU:11.8;APAC:6.0;EM:8.4;Other:1.2,Value:+0.7;Growth:-0.5;Quality:-0.5;Size:-0.3;Momentum:-0.5;LowVol:-0.4,ESGOnly;NoDerivatives;NoMargin,8,35,3.8,trailing 8%,93,17.1,Volatile,31.3,4.48,2.6,150,1,53,60,false,Sell,Trim extended winner -1%,6,-23,BrokerB,MKT,94,None,None,Normal monitoring,106,13,106,4,false,Tax-aware sells next window
P9692,Active,401k,USD,2024-09-08,2355776,149211,2206565,1.0,67.1,19.3,8.0,5.7,BND:28.7%;TLT:28.7%;TSLA:27.3%;HYG:15.3%,US:73.8;EU:6.6;APAC:6.2;EM:11.5;Other:1.9,Value:+0.5;Growth:-0.5;Quality:-0.4;Size:-0.0;Momentum:-0.4;LowVol:+0.7,,7,35,5.1,trailing 8%,192,17.8,Bull,16.1,4.88,2.3,117,85,100,57,false,Rebalance,Shift +1% to bonds from equity,22,4,BrokerB,MKT,85,None,None,Normal monitoring,96,-15,218,3,false,Monitor dispersion and breadth
P9693,Cautious,401k,USD,2025-03-20,490506,55574,434932,1.0,42.3,44.1,3.4,10.2,HYG:7.5%;MSFT:20.0%;MUB:9.0%;AMZN:21.2%;VNQ:21.2%;TSLA:21.2%,US:67.1;EU:13.7;APAC:10.3;EM:6.3;Other:2.5,Value:-0.6;Growth:-0.6;Quality:-0.7;Size:+0.4;Momentum:-0.3;LowVol:+0.4,MaxPos6%;NoMargin,6,30,5.4,trailing 8%,162,13.9,Volatile,30.5,5.36,3.6,134,-18,51,76,true,Hedge,Buy index puts 1% notional,30,15,BrokerC,MKT,97,Drift>tolerance,Hedge,Allocation drift beyond policy bands,68,-52,109,3,false,Increase defensive factor exposure
P9694,Opportunistic,IRA,USD,2025-04-19,1703382,83831,1619551,1.0,63.4,21.3,9.6,5.7,MSFT:14.9%;QQQ:15.9%;BND:19.9%;TLT:18.4%;HYG:15.0%;AMZN:15.9%,US:80.1;EU:6.5;APAC:5.9;EM:4.0;Other:3.6,Value:+0.7;Growth:+1.0;Quality:-0.7;Size:+0.8;Momentum:-0.7;LowVol:-0.3,MaxPos5%;NoDerivatives,8,30,6.4,trailing 7%,275,25.5,Bull,14.7,4.56,2.3,73,105,92,45,false,Buy,Add to core equity +1%,30,-1,BrokerD,LMT,90,None,None,Normal monitoring,101,12,133,4,false,Tax-aware sells next window
P9695,Systematic,IRA,USD,2025-10-18,1912926,166314,1746612,1.0,64.3,25.0,2.8,7.9,VOO:25.0%;IEF:25.0%;MSFT:25.0%;TSLA:25.0%,US:71.2;EU:6.0;APAC:9.8;EM:10.9;Other:2.1,Value:-0.0;Growth:+0.4;Quality:-0.4;Size:-0.8;Momentum:+0.5;LowVol:-0.4,NoDerivatives,6,30,5.1,hard 12%,181,22.6,Bull,11.7,4.43,3.1,79,44,79,43,false,Rebalance,Shift +1% to bonds from equity,27,-19,BrokerD,MKT,100,None,None,Normal monitoring,114,-26,84,4,false,Increase defensive factor exposure
P9696,Hands-off,401k,USD,2024-11-21,353136,17231,335905,1.0,57.0,22.7,13.1,7.2,VOO:25.0%;GLD:18.3%;QQQ:25.0%;TSLA:14.4%;AMZN:17.3%,US:64.7;EU:10.7;APAC:12.5;EM:8.4;Other:3.7,Value:+0.4;Growth:+0.5;Quality:-0.1;Size:-1.0;Momentum:-0.8;LowVol:-0.2,MaxPos8%,5,30,3.2,hard 10%,110,18.2,Bear,31.1,3.68,1.9,182,-5,33,73,true,Reduce,"Cut high-beta by 2-3%, add cash",33,-39,BrokerD,MKT,90,RegimeShift,Reduce,Volatility spike and breadth deterioration,103,-32,236,5,false,Increase defensive factor exposure
P9697,Systematic,Taxable,USD,2025-09-22,735650,66816,668834,1.0,56.9,30.6,4.2,8.3,MUB:26.5%;GLD:20.4%;TSLA:26.5%;VTI:26.5%,US:66.0;EU:14.8;APAC:14.2;EM:3.2;Other:1.8,Value:-0.1;Growth:+0.6;Quality:-0.4;Size:-0.2;Momentum:+0.7;LowVol:-0.1,,10,30,4.4,trailing 8%,157,22.7,Bull,13.1,4.3,2.8,73,15,51,30,false,Rebalance,Shift +1% to bonds from equity,-15,-20,BrokerB,MKT,87,None,None,Normal monitoring,-54,19,58,3,false,Increase defensive factor exposure
P9698,Systematic,IRA,USD,2025-03-24,506028,36942,469086,1.0,57.6,28.1,8.0,6.4,VOO:11.3%;BND:22.1%;VNQ:19.0%;AMZN:16.7%;AAPL:13.4%;IEF:17.6%,US:63.0;EU:6.0;APAC:13.6;EM:13.0;Other:4.4,Value:-0.5;Growth:-0.1;Quality:+0.9;Size:-0.9;Momentum:-0.0;LowVol:-0.4,,10,30,4.1,trailing 8%,211,16.7,Bear,23.2,3.72,1.1,169,-94,7,50,false,Rebalance,Shift +1% to bonds from equity,-6,-29,BrokerC,MKT,95,None,None,Normal monitoring,82,17,87,5,false,Tax-aware sells next window
P9699,Cautious,Roth,USD,2025-06-07,584638,75381,509257,1.0,46.8,37.6,0.0,15.6,BND:22.6%;VOO:22.6%;MSFT:12.7%;IEF:22.6%;QQQ:19.3%,US:71.2;EU:6.5;APAC:11.9;EM:5.5;Other:4.8,Value:+0.8;Growth:-0.2;Quality:+0.6;Size:-0.9;Momentum:-0.8;LowVol:+0.2,ESGOnly;NoMargin,6,25,5.3,hard 10%,138,16.3,Bull,11.6,4.07,3.3,109,115,94,23,false,Buy,Add to core equity +1%,27,-2,BrokerD,MKT,99,None,None,Normal monitoring,74,-2,117,3,false,Tighten stops on momentum names
P9700,Active,Trust,USD,2025-06-15,1598386,102776,1495610,1.0,66.9,25.2,0.0,7.9,TSLA:33.3%;XLF:33.3%;TLT:33.3%,US:71.3;EU:17.2;APAC:7.8;EM:3.2;Other:0.5,Value:+0.5;Growth:-0.3;Quality:+0.1;Size:-0.5;Momentum:-0.5;LowVol:-0.5,,10,30,4.3,trailing 8%,146,27.4,Bull,11.5,4.12,2.9,113,48,83,44,false,Hedge,Add TLT +1% as duration hedge,4,-4,BrokerD,MKT,96,None,None,Normal monitoring,100,0,106,3,false,Tax-aware sells next window
P9701,Active,Roth,USD,2025-12-21,1940897,210736,1730161,1.0,60.1,25.1,9.6,5.2,VTI:27.1%;AAPL:20.8%;GLD:27.1%;TSLA:25.0%,US:64.8;EU:17.8;APAC:5.6;EM:10.2;Other:1.6,Value:+0.6;Growth:-0.7;Quality:-0.7;Size:-0.9;Momentum:-0.5;LowVol:-0.6,MaxPos5%;NoDerivatives,6,30,5.8,trailing 9%,214,27.3,Volatile,30.3,3.97,2.9,139,42,79,69,false,Buy,Add to core equity +1%,4,-10,BrokerB,MKT,92,None,None,Normal monitoring,91,14,194,5,false,Monitor dispersion and breadth
P9702,Active,401k,USD,2024-08-07,2052996,231498,1821498,1.07,64.2,28.9,0.0,6.9,MSFT:28.8%;IEF:28.8%;AAPL:18.1%;VTI:24.3%,US:62.9;EU:13.5;APAC:12.9;EM:5.8;Other:4.9,Value:+0.3;Growth:+0.2;Quality:-0.2;Size:-0.1;Momentum:-0.0;LowVol:+0.3,MaxPos6%,10,30,4.7,hard 12%,214,19.8,Bull,17.7,4.47,2.8,104,5,59,54,false,Rebalance,Shift +1% to bonds from equity,-15,-34,BrokerD,LMT,94,None,None,Normal monitoring,-38,-6,1,5,false,Monitor dispersion and breadth
P9703,Hands-off,Trust,USD,2025-06-25,722141,66456,655685,1.0,66.8,20.5,7.2,5.4,AMZN:17.2%;TSLA:24.0%;MSFT:18.5%;BRK.B:16.3%;VOO:24.0%,US:72.6;EU:6.3;APAC:8.3;EM:9.8;Other:3.0,Value:+0.5;Growth:-0.7;Quality:+0.7;Size:-0.9;Momentum:-0.0;LowVol:-0.8,,6,35,3.3,trailing 8%,98,15.7,Bull,15.4,4.07,2.7,112,113,98,51,false,Buy,Add to core equity +1%,35,-23,BrokerA,LMT,86,None,None,Normal monitoring,-57,7,-11,4,false,Monitor dispersion and breadth
P9704,Opportunistic,IRA,USD,2024-12-06,1649532,124691,1524841,1.0,74.2,15.7,5.0,5.1,IEF:33.3%;GLD:33.3%;MUB:33.3%,US:67.5;EU:17.2;APAC:7.5;EM:7.4;Other:0.4,Value:0.0;Growth:+0.8;Quality:-0.3;Size:+1.0;Momentum:+0.8;LowVol:-0.7,NoDerivatives,7,25,5.3,trailing 7%,191,25.5,Bear,32.3,4.32,1.6,206,35,57,99,true,Reduce,"Cut high-beta by 2-3%, add cash",14,-24,BrokerB,MKT,99,VAR>budget,Hedge,Risk above budget threshold,26,-27,115,5,false,Increase defensive factor exposure
P9705,Systematic,Roth,USD,2024-10-08,695456,32625,662831,1.0,62.4,29.1,0.0,8.4,BRK.B:33.3%;GLD:33.3%;VNQ:33.3%,US:67.7;EU:15.6;APAC:5.6;EM:7.1;Other:4.0,Value:-0.1;Growth:+0.9;Quality:-0.8;Size:-0.4;Momentum:-0.3;LowVol:0.0,,5,25,5.9,trailing 8%,193,24.1,Volatile,26.0,5.02,3.2,132,-18,29,66,true,Hedge,Buy index puts 1% notional,21,-24,BrokerA,MKT,98,Drift>tolerance,Reduce,Allocation drift beyond policy bands,6,-7,116,2,true,Tax-aware sells next window
P9706,Cautious,401k,USD,2025-05-11,528381,60226,468155,1.0,46.5,33.2,3.9,16.5,QQQ:20.8%;GLD:18.1%;BRK.B:18.6%;VTI:21.5%;MSFT:21.0%,US:64.5;EU:10.5;APAC:11.5;EM:9.7;Other:3.9,Value:+0.7;Growth:-0.0;Quality:-0.4;Size:-0.4;Momentum:-0.8;LowVol:+0.1,ESGOnly;MaxPos5%;NoDerivatives;NoMargin,8,30,5.7,trailing 10%,108,15.4,Sideways,17.8,4.45,3.2,122,9,50,42,false,Hedge,Add TLT +1% as duration hedge,-13,-11,BrokerA,LMT,98,None,None,Normal monitoring,-5,3,93,3,false,Within IPS guidelines
P9707,Systematic,IRA,USD,2025-02-09,1367124,111545,1255579,1.0,55.2,25.2,10.1,9.5,MUB:33.3%;AAPL:33.3%;BND:33.3%,US:64.1;EU:13.6;APAC:12.6;EM:9.2;Other:0.5,Value:+0.8;Growth:-0.4;Quality:+0.3;Size:+0.9;Momentum:-0.3;LowVol:-0.4,MaxPos6%,5,25,6.0,trailing 9%,155,26.7,Bear,22.7,4.28,1.2,211,-53,22,53,false,NoAction,Within bands; monitor,14,-30,BrokerB,MKT,0,None,None,Normal monitoring,119,-2,110,4,false,Tighten stops on momentum names
P9708,Cautious,Trust,USD,2025-01-10,560298,52161,508137,1.0,44.6,38.7,0.0,16.7,QQQ:22.7%;BRK.B:22.7%;IEF:18.1%;HYG:15.4%;AMZN:21.2%,US:63.5;EU:17.6;APAC:7.0;EM:8.4;Other:3.5,Value:+0.9;Growth:-0.7;Quality:-1.0;Size:+0.3;Momentum:-0.7;LowVol:-0.6,MaxPos8%;NoMargin,5,30,3.3,hard 10%,97,19.2,Volatile,24.3,4.21,3.8,111,18,61,50,false,Sell,Trim extended winner -1%,20,14,BrokerD,MKT,95,None,None,Normal monitoring,-8,-46,44,5,false,Tighten stops on momentum names
P9709,Hands-off,Roth,USD,2024-09-15,154030,8803,145227,1.0,59.0,22.6,12.2,6.1,IEF:23.9%;BND:14.1%;BRK.B:15.6%;VNQ:22.5%;AAPL:23.9%,US:66.1;EU:11.5;APAC:12.8;EM:4.7;Other:5.0,Value:+0.8;Growth:+0.7;Quality:-0.7;Size:+0.1;Momentum:+0.2;LowVol:-0.1,ESGOnly;MaxPos5%,7,30,5.0,hard 10%,159,18.2,Volatile,25.8,4.06,3.1,133,75,87,59,false,Buy,Add to core equity +1%,-6,-32,BrokerC,MKT,99,None,None,Normal monitoring,-42,-41,26,3,false,Tighten stops on momentum names
P9710,Hands-off,401k,USD,2025-10-18,671326,50989,620337,1.0,70.8,19.8,0.4,9.0,VOO:21.3%;IEF:12.9%;VTI:13.4%;TSLA:14.1%;BND:18.5%;VNQ:19.8%,US:70.3;EU:12.0;APAC:11.7;EM:3.9;Other:2.1,Value:-0.1;Growth:-0.1;Quality:+0.6;Size:+0.6;Momentum:-0.7;LowVol:+0.4,ESGOnly;MaxPos7%,8,25,5.8,trailing 8%,110,19.9,Volatile,26.5,4.19,3.1,137,-10,45,82,true,Hedge,Buy index puts 1% notional,-6,-12,BrokerC,MKT,95,VAR>budget,Hedge,Risk above budget threshold,40,-28,150,4,true,Within IPS guidelines
P9711,Opportunistic,Trust,USD,2025-08-26,1233339,76942,1156397,1.0,67.6,10.1,13.8,8.6,IEF:25.0%;AMZN:25.0%;MUB:25.0%;VOO:25.0%,US:75.1;EU:10.2;APAC:7.4;EM:4.1;Other:3.2,Value:-0.2;Growth:-0.2;Quality:-0.8;Size:-0.3;Momentum:-0.6;LowVol:-0.1,MaxPos8%,6,35,4.4,hard 12%,245,20.7,Bull,17.8,4.39,2.3,81,74,100,61,false,Buy,Add to core equity +1%,4,-26,BrokerB,MKT,95,None,None,Normal monitoring,-7,-5,113,4,false,Tax-aware sells next window
P9712,Active,IRA,USD,2025-04-16,906770,71602,835168,1.0,65.9,26.1,0.0,8.0,IEF:9.7%;BND:15.3%;VOO:19.2%;TLT:13.0%;AMZN:21.3%;VTI:21.4%,US:78.7;EU:7.9;APAC:6.3;EM:4.1;Other:3.0,Value:-0.5;Growth:+1.0;Quality:-0.3;Size:-0.9;Momentum:+0.5;LowVol:0.0,MaxPos8%;NoDerivatives,7,30,4.1,trailing 8%,178,26.5,Volatile,24.5,4.02,4.4,130,42,83,75,true,Reduce,"Cut high-beta by 2-3%, add cash",3,8,BrokerC,LMT,95,Drift>tolerance,Reduce,Allocation drift beyond policy bands,29,-41,88,5,false,Within IPS guidelines
P9713,Opportunistic,IRA,USD,2025-05-02,1154555,65263,1089292,1.0,62.3,10.2,23.1,4.4,VTI:21.8%;XLF:16.7%;BND:21.8%;BRK.B:21.8%;MUB:17.7%,US:75.2;EU:5.5;APAC:6.8;EM:8.0;Other:4.6,Value:+0.2;Growth:-0.1;Quality:-0.1;Size:-0.1;Momentum:-0.2;LowVol:-0.1,,8,25,5.3,trailing 7%,160,24.7,Sideways,19.7,3.96,2.6,138,-12,34,52,false,Buy,Add to core equity +1%,-10,-6,BrokerD,MKT,97,None,None,Normal monitoring,5,-50,90,4,false,Tax-aware sells next window
P9714,Hands-off,Taxable,USD,2025-06-03,581603,26183,555420,1.0,55.8,17.8,20.7,5.6,XLF:19.1%;VNQ:24.9%;TSLA:24.9%;GLD:14.9%;AAPL:16.2%,US:71.7;EU:10.8;APAC:7.7;EM:7.2;Other:2.5,Value:0.0;Growth:+0.4;Quality:-0.9;Size:-0.6;Momentum:-0.8;LowVol:-0.6,ESGOnly,7,30,5.1,hard 10%,143,18.5,Bull,16.1,3.51,2.7,116,117,100,50,true,Hedge,Buy index puts 1% notional,-2,-37,BrokerD,LMT,96,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,11,-4,81,3,false,Monitor dispersion and breadth
P9715,Opportunistic,Taxable,USD,2025-02-07,1293170,50187,1242983,1.0,70.6,18.6,6.5,4.3,AAPL:32.0%;IEF:34.0%;TSLA:34.0%,US:64.4;EU:20.1;APAC:7.9;EM:5.5;Other:2.1,Value:-0.1;Growth:+0.6;Quality:-0.9;Size:+0.6;Momentum:+0.7;LowVol:-0.4,,5,30,6.9,hard 12%,210,28.5,Bull,12.4,3.6,2.1,106,108,97,51,false,Buy,Add to core equity +1%,29,10,BrokerD,VWAP,93,None,None,Normal monitoring,-50,-33,31,4,false,Tax-aware sells next window
P9716,Opportunistic,Roth,USD,2025-05-21,1125321,75321,1050000,1.0,62.6,19.4,9.9,8.0,VOO:20.9%;QQQ:20.9%;BND:10.1%;HYG:10.9%;VNQ:20.9%;IEF:16.3%,US:71.0;EU:11.7;APAC:13.4;EM:3.7;Other:0.3,Value:+0.6;Growth:-0.7;Quality:-0.7;Size:+0.1;Momentum:+0.9;LowVol:-1.0,MaxPos7%,7,30,6.4,hard 12%,196,27.6,Bull,11.2,4.31,3.2,110,77,93,40,false,Rebalance,Shift +1% to bonds from equity,0,-26,BrokerD,LMT,100,None,None,Normal monitoring,-33,4,55,5,false,Increase defensive factor exposure
P9717,Active,Roth,USD,2024-07-06,1857749,192342,1665407,1.07,55.8,22.3,13.1,8.7,TSLA:18.6%;AAPL:14.3%;TLT:20.9%;QQQ:9.3%;VNQ:16.7%;MUB:20.2%,US:61.9;EU:19.4;APAC:10.0;EM:8.7;Other:0.1,Value:+0.5;Growth:-0.4;Quality:+0.9;Size:+0.2;Momentum:+0.8;LowVol:-0.0,,5,30,5.6,hard 12%,217,16.8,Volatile,31.8,4.82,2.3,156,18,68,70,false,Sell,Trim extended winner -1%,0,7,BrokerA,MKT,88,None,None,Normal monitoring,21,-47,41,3,false,Increase defensive factor exposure
P9718,Cautious,Taxable,USD,2025-06-28,519810,70330,449480,1.0,45.4,31.5,11.3,11.8,HYG:18.4%;MUB:15.4%;TSLA:18.2%;AMZN:9.3%;BRK.B:19.3%;AAPL:19.4%,US:75.5;EU:8.8;APAC:9.1;EM:5.2;Other:1.3,Value:+0.7;Growth:-0.8;Quality:+0.5;Size:-0.7;Momentum:+0.7;LowVol:+0.1,ESGOnly;MaxPos8%;NoDerivatives;NoMargin,8,35,3.8,trailing 8%,119,13.1,Volatile,22.3,4.43,3.6,132,61,93,53,false,Rebalance,Shift +1% to bonds from equity,-9,-3,BrokerA,MKT,88,None,None,Normal monitoring,73,-56,171,4,false,Tighten stops on momentum names
P9719,Systematic,IRA,USD,2025-02-23,1857422,86027,1771395,1.0,59.4,34.3,0.0,6.2,QQQ:23.7%;MSFT:19.6%;IEF:14.8%;GLD:23.7%;BRK.B:18.3%,US:68.9;EU:12.9;APAC:5.2;EM:8.8;Other:4.2,Value:+0.2;Growth:-0.5;Quality:+0.9;Size:+0.3;Momentum:-0.9;LowVol:+0.4,,7,35,5.5,trailing 8%,138,23.9,Bull,12.4,4.81,3.1,79,52,89,31,false,Hedge,Add TLT +1% as duration hedge,12,-10,BrokerA,MKT,86,None,None,Normal monitoring,114,-42,221,4,false,Tighten stops on momentum names
P9720,Systematic,Taxable,USD,2025-11-14,1025154,51298,973856,1.0,62.9,28.0,0.0,9.1,VTI:28.7%;TSLA:27.7%;GLD:28.7%;XLF:14.9%,US:69.4;EU:12.5;APAC:12.3;EM:3.8;Other:2.0,Value:+0.9;Growth:-0.8;Quality:+0.4;Size:-1.0;Momentum:-0.7;LowVol:-0.9,,7,30,5.8,trailing 8%,141,22.1,Sideways,21.6,4.49,3.1,135,29,70,60,false,NoAction,Within bands; monitor,32,-10,BrokerC,VWAP,98,None,None,Normal monitoring,117,-11,146,5,false,Increase defensive factor exposure
P9721,Opportunistic,Trust,USD,2024-12-11,1441131,49007,1392124,1.0,72.4,19.9,3.6,4.1,HYG:21.1%;BRK.B:22.2%;VOO:22.2%;AMZN:12.4%;VNQ:22.2%,US:75.4;EU:5.8;APAC:9.1;EM:7.5;Other:2.1,Value:+0.4;Growth:-0.2;Quality:-0.6;Size:+0.7;Momentum:+0.4;LowVol:+0.4,MaxPos7%,6,35,4.4,hard 12%,189,30.7,Volatile,22.8,4.9,3.3,140,46,72,70,false,Rebalance,Shift +1% to bonds from equity,23,-25,BrokerC,MKT,88,None,None,Normal monitoring,-31,-46,-56,3,false,Tighten stops on momentum names
P9722,Active,Trust,USD,2025-12-10,580723,63319,517404,1.23,65.4,26.6,0.0,8.0,MUB:22.1%;TSLA:10.4%;HYG:12.0%;VOO:17.3%;BRK.B:22.1%;GLD:16.0%,US:63.6;EU:11.4;APAC:12.6;EM:10.2;Other:2.1,Value:+0.1;Growth:-0.8;Quality:-0.9;Size:+0.6;Momentum:-0.4;LowVol:-0.6,MaxPos5%;NoDerivatives,5,25,5.2,trailing 9%,141,18.9,Bear,28.3,3.71,2.2,189,37,68,77,true,Hedge,Buy index puts 1% notional,26,-19,BrokerA,LMT,95,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-20,-10,102,2,false,Within IPS guidelines
P9723,Opportunistic,IRA,USD,2025-04-24,727509,58215,669294,1.0,76.2,16.1,0.0,7.7,QQQ:27.7%;AAPL:27.7%;TSLA:17.0%;VNQ:27.7%,US:54.2;EU:20.0;APAC:11.6;EM:11.3;Other:2.8,Value:-0.6;Growth:-0.4;Quality:-0.0;Size:+0.6;Momentum:+0.4;LowVol:-0.3,,6,35,6.7,trailing 7%,252,28.4,Bull,15.7,4.26,3.1,115,106,92,61,true,Hedge,Buy index puts 1% notional,12,-22,BrokerD,LMT,93,Drift>tolerance,Reduce,Allocation drift beyond policy bands,21,10,-9,5,false,Tax-aware sells next window
P9724,Cautious,Trust,USD,2025-11-28,213179,32043,181136,1.0,49.3,39.9,0.0,10.9,AMZN:19.9%;BND:21.9%;TLT:21.9%;AAPL:21.2%;GLD:15.1%,US:63.6;EU:18.5;APAC:8.8;EM:6.7;Other:2.3,Value:+1.0;Growth:+0.8;Quality:-0.7;Size:-0.7;Momentum:0.0;LowVol:+0.2,NoDerivatives;NoMargin,6,30,5.7,trailing 8%,166,18.8,Sideways,18.6,4.0,3.2,132,2,59,55,false,Rebalance,Shift +1% to bonds from equity,-11,-22,BrokerD,LMT,96,None,None,Normal monitoring,-45,-15,-56,5,false,Tighten stops on momentum names
P9725,Cautious,Taxable,USD,2025-07-30,291371,46105,245266,1.0,38.5,31.6,14.5,15.4,TSLA:33.3%;AAPL:33.3%;XLF:33.3%,US:67.3;EU:8.8;APAC:11.9;EM:9.1;Other:2.9,Value:-0.5;Growth:-0.9;Quality:+0.3;Size:-0.3;Momentum:+0.5;LowVol:+0.4,NoDerivatives;NoMargin,6,35,4.1,trailing 10%,93,17.5,Bear,28.5,3.47,2.7,143,-36,43,53,false,Sell,Trim extended winner -1%,32,8,BrokerB,MKT,96,None,None,Normal monitoring,-58,8,-28,3,false,Increase defensive factor exposure
P9726,Cautious,Taxable,USD,2024-12-15,273869,26067,247802,1.0,38.3,44.8,1.2,15.7,GLD:33.3%;AMZN:33.3%;IEF:33.3%,US:67.1;EU:16.1;APAC:8.1;EM:6.8;Other:2.0,Value:+0.9;Growth:+0.1;Quality:+0.7;Size:+0.5;Momentum:+0.2;LowVol:+0.3,ESGOnly;NoDerivatives;NoMargin,7,25,3.2,trailing 8%,131,12.9,Bear,23.4,3.93,2.5,142,-11,38,40,false,Rebalance,Shift +1% to bonds from equity,24,-38,BrokerA,LMT,90,None,None,Normal monitoring,105,-21,165,4,false,Within IPS guidelines
P9727,Opportunistic,IRA,USD,2025-02-25,726761,61632,665129,1.0,76.9,11.3,5.2,6.6,HYG:15.8%;IEF:21.4%;MSFT:21.4%;GLD:21.4%;AAPL:19.9%,US:63.2;EU:7.2;APAC:14.4;EM:10.5;Other:4.7,Value:-0.7;Growth:+0.8;Quality:-0.4;Size:-0.8;Momentum:-0.6;LowVol:-0.8,NoDerivatives,6,35,7.0,trailing 7%,258,20.4,Bear,33.4,4.15,1.1,197,-39,44,98,true,Rebalance,Rebalance back to target bands,-14,5,BrokerD,MKT,97,VAR>budget,Pause,Risk above budget threshold,79,-56,213,2,false,Monitor dispersion and breadth
P9728,Cautious,IRA,USD,2025-10-28,202103,16358,185745,1.0,44.8,33.4,8.7,13.1,TLT:27.5%;XLF:25.0%;IEF:27.5%;GLD:19.9%,US:59.6;EU:16.0;APAC:12.7;EM:8.3;Other:3.4,Value:+0.6;Growth:+0.8;Quality:+0.1;Size:-0.4;Momentum:+0.9;LowVol:-0.1,NoDerivatives;NoMargin,6,25,4.6,trailing 8%,106,16.4,Volatile,27.5,5.35,2.6,169,-13,48,61,false,Buy,Add to core equity +1%,-5,0,BrokerD,VWAP,85,None,None,Normal monitoring,56,-31,153,3,false,Tighten stops on momentum names
P9729,Hands-off,401k,USD,2025-07-13,297042,19841,277201,1.0,58.6,26.6,5.8,8.9,GLD:21.5%;BRK.B:10.5%;XLF:13.1%;MUB:21.5%;BND:11.9%;VTI:21.5%,US:73.7;EU:5.2;APAC:12.0;EM:6.9;Other:2.3,Value:-0.8;Growth:+0.7;Quality:+0.7;Size:-0.6;Momentum:0.0;LowVol:+1.0,ESGOnly;NoDerivatives,5,35,3.7,trailing 10%,133,14.4,Sideways,19.7,3.55,2.3,90,-5,51,62,false,Buy,Add to core equity +1%,-5,-16,BrokerD,MKT,92,None,None,Normal monitoring,-26,4,29,4,false,Within IPS guidelines
P9730,Opportunistic,Trust,USD,2025-11-02,384646,13294,371352,1.0,64.4,10.7,20.9,4.0,BND:33.7%;TLT:32.6%;VTI:33.7%,US:72.7;EU:6.8;APAC:13.7;EM:3.4;Other:3.5,Value:+0.9;Growth:+0.8;Quality:+1.0;Size:-0.5;Momentum:-0.9;LowVol:+0.2,NoDerivatives,6,30,6.4,hard 12%,193,27.6,Volatile,27.6,4.49,2.5,142,-38,25,67,false,Buy,Add to core equity +1%,-12,-6,BrokerC,MKT,92,None,None,Normal monitoring,-47,-26,-34,4,false,Tighten stops on momentum names
P9731,Opportunistic,Taxable,USD,2025-10-09,1070241,64747,1005494,1.12,71.2,15.9,4.4,8.4,VTI:33.3%;AMZN:33.3%;TSLA:33.3%,US:78.6;EU:7.9;APAC:5.7;EM:6.7;Other:1.1,Value:-1.0;Growth:-0.0;Quality:-0.2;Size:+0.4;Momentum:-0.7;LowVol:-0.0,MaxPos6%,6,30,5.4,trailing 7%,204,23.7,Sideways,16.9,3.56,3.2,129,24,58,51,false,Sell,Trim extended winner -1%,6,-17,BrokerC,VWAP,86,None,None,Normal monitoring,18,13,65,3,false,Within IPS guidelines
P9732,Hands-off,Trust,USD,2024-08-05,757645,45752,711893,1.0,61.9,24.9,6.5,6.6,QQQ:28.0%;HYG:23.8%;BRK.B:20.1%;VNQ:28.0%,US:66.1;EU:12.9;APAC:10.1;EM:8.7;Other:2.2,Value:+0.8;Growth:+0.7;Quality:-0.3;Size:+0.2;Momentum:+0.4;LowVol:+0.9,MaxPos6%,5,25,3.1,hard 10%,112,16.2,Volatile,23.4,5.27,2.9,167,-58,8,63,false,Rebalance,Shift +1% to bonds from equity,11,-24,BrokerD,LMT,98,None,None,Normal monitoring,39,10,109,5,false,Tax-aware sells next window
P9733,Opportunistic,Roth,USD,2024-08-21,761126,43469,717657,1.0,64.4,10.3,21.1,4.2,TSLA:37.2%;IEF:25.5%;GLD:37.2%,US:63.6;EU:12.1;APAC:13.0;EM:10.9;Other:0.4,Value:-0.2;Growth:-0.6;Quality:+0.2;Size:+0.6;Momentum:+0.5;LowVol:+0.3,,5,30,7.0,trailing 9%,210,34.5,Bull,15.5,4.08,2.2,87,57,90,39,false,Sell,Trim extended winner -1%,-11,2,BrokerD,MKT,93,None,None,Normal monitoring,7,12,88,4,false,Monitor dispersion and breadth
P9734,Active,Roth,USD,2024-12-12,2388377,157731,2230646,1.0,51.6,21.5,20.4,6.5,XLF:20.3%;GLD:27.9%;VNQ:27.9%;MSFT:24.0%,US:66.7;EU:5.4;APAC:14.0;EM:9.1;Other:4.8,Value:-0.2;Growth:-0.9;Quality:-0.3;Size:-0.9;Momentum:+0.7;LowVol:+0.8,,10,25,4.8,hard 12%,147,27.2,Bull,16.8,4.74,2.8,100,4,49,34,false,Hedge,Add TLT +1% as duration hedge,8,-14,BrokerA,MKT,87,None,None,Normal monitoring,115,2,186,4,false,Tax-aware sells next window
P9735,Cautious,Roth,USD,2025-05-19,780944,96740,684204,1.0,41.2,44.4,0.0,14.4,AAPL:33.3%;VNQ:33.3%;GLD:33.3%,US:66.2;EU:10.5;APAC:13.9;EM:8.5;Other:0.9,Value:-0.6;Growth:+0.5;Quality:+0.9;Size:-0.2;Momentum:+1.0;LowVol:+0.4,ESGOnly;NoMargin,6,35,4.9,trailing 8%,121,16.8,Bear,30.3,3.6,2.7,173,-16,43,67,false,Rebalance,Shift +1% to bonds from equity,-8,-13,BrokerD,LMT,96,None,None,Normal monitoring,23,-8,91,3,false,Within IPS guidelines
P9736,Systematic,401k,USD,2025-10-05,1977741,161731,1816010,1.0,64.8,20.6,9.1,5.5,VTI:22.4%;MUB:14.3%;MSFT:22.4%;VNQ:22.3%;AAPL:18.7%,US:65.9;EU:12.2;APAC:10.3;EM:8.7;Other:3.0,Value:-0.1;Growth:-0.7;Quality:+0.6;Size:-0.0;Momentum:-0.0;LowVol:+0.4,,7,25,5.3,trailing 8%,120,27.5,Volatile,24.5,4.04,2.7,122,20,74,73,true,Hedge,Buy index puts 1% notional,24,7,BrokerB,LMT,99,VAR>budget,Pause,Risk above budget threshold,3,-52,-8,4,false,Tighten stops on momentum names
P9737,Cautious,Roth,USD,2025-03-03,400187,53108,347079,1.0,45.7,36.0,7.4,10.9,AAPL:26.8%;HYG:26.8%;XLF:26.8%;MUB:19.7%,US:58.4;EU:17.1;APAC:12.4;EM:11.2;Other:1.0,Value:+0.5;Growth:-0.4;Quality:+1.0;Size:+0.8;Momentum:+0.2;LowVol:+0.5,ESGOnly;NoDerivatives;NoMargin,6,35,5.2,trailing 8%,141,19.0,Volatile,29.2,3.6,2.9,155,-49,13,62,false,Rebalance,Shift +1% to bonds from equity,22,-35,BrokerA,MKT,91,None,None,Normal monitoring,71,-15,201,3,false,Within IPS guidelines
P9738,Opportunistic,IRA,USD,2025-12-22,1294134,108612,1185522,1.0,74.7,13.6,4.4,7.3,AMZN:12.1%;HYG:12.0%;TSLA:14.2%;MSFT:15.4%;GLD:23.1%;BND:23.1%,US:67.8;EU:9.3;APAC:8.9;EM:9.5;Other:4.5,Value:+0.8;Growth:+0.5;Quality:+0.3;Size:-0.3;Momentum:-0.7;LowVol:+1.0,,5,30,6.2,trailing 9%,210,21.3,Bear,33.4,3.71,2.5,202,-30,28,81,true,Hedge,Buy index puts 1% notional,13,-1,BrokerD,MKT,96,RegimeShift,Hedge,Volatility spike and breadth deterioration,17,13,129,3,false,Within IPS guidelines
P9739,Systematic,IRA,USD,2024-11-26,1952355,149630,1802725,1.0,66.1,23.8,3.2,7.0,BND:20.6%;MSFT:22.1%;VOO:13.9%;VNQ:21.0%;TSLA:22.4%,US:78.8;EU:6.9;APAC:8.3;EM:5.3;Other:0.6,Value:-0.9;Growth:+0.2;Quality:+0.9;Size:+0.4;Momentum:-0.4;LowVol:-0.8,,7,35,5.1,trailing 8%,120,25.4,Bull,11.3,3.84,2.4,86,24,70,43,false,Sell,Trim extended winner -1%,2,6,BrokerC,MKT,95,None,None,Normal monitoring,65,-29,64,4,false,Tighten stops on momentum names
P9740,Opportunistic,Taxable,USD,2024-09-02,394989,30435,364554,1.0,71.3,15.7,4.7,8.3,BND:18.5%;BRK.B:20.4%;VTI:17.1%;HYG:20.4%;AAPL:12.3%;XLF:11.3%,US:61.6;EU:9.4;APAC:11.8;EM:14.1;Other:3.1,Value:+0.9;Growth:+0.3;Quality:-0.4;Size:-0.7;Momentum:-0.2;LowVol:+1.0,,10,35,4.0,hard 12%,194,32.8,Bear,26.9,4.47,2.3,169,-23,33,77,true,Hedge,Buy index puts 1% notional,0,-27,BrokerC,LMT,93,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-52,16,73,5,false,Increase defensive factor exposure
P9741,Hands-off,Roth,USD,2025-04-19,506492,28860,477632,1.0,68.8,22.0,0.0,9.2,BRK.B:37.3%;MUB:25.4%;HYG:37.3%,US:65.4;EU:11.6;APAC:14.5;EM:4.0;Other:4.5,Value:-0.4;Growth:+0.1;Quality:+0.8;Size:+1.0;Momentum:-0.3;LowVol:-0.7,NoDerivatives,5,30,3.2,trailing 8%,107,18.4,Volatile,31.9,3.63,3.8,163,25,52,85,true,Rebalance,Rebalance back to target bands,10,9,BrokerC,LMT,100,VAR>budget,TightenStops,Risk above budget threshold,84,-16,114,3,false,Tax-aware sells next window
P9742,Cautious,401k,USD,2025-07-18,779153,106939,672214,1.0,47.9,31.9,9.4,10.8,AMZN:17.0%;AAPL:22.8%;BRK.B:22.8%;HYG:14.5%;VOO:22.8%,US:68.0;EU:12.5;APAC:6.7;EM:9.3;Other:3.5,Value:-0.3;Growth:+0.8;Quality:+0.3;Size:+0.5;Momentum:-0.1;LowVol:+0.7,NoMargin,8,30,3.4,trailing 8%,113,18.2,Bull,15.9,4.85,2.6,77,50,83,36,false,Hedge,Add TLT +1% as duration hedge,30,0,BrokerC,LMT,95,None,None,Normal monitoring,-7,4,0,3,false,Increase defensive factor exposure
P9743,Systematic,IRA,USD,2025-12-21,1230126,116697,1113429,1.0,57.5,32.4,4.3,5.8,QQQ:20.8%;HYG:26.4%;VNQ:16.6%;MUB:22.5%;TLT:13.7%,US:73.6;EU:6.5;APAC:10.4;EM:5.2;Other:4.3,Value:+0.1;Growth:+0.7;Quality:+0.7;Size:-0.4;Momentum:-0.3;LowVol:-1.0,NoDerivatives,6,35,4.1,trailing 8%,211,21.6,Volatile,31.6,4.11,3.1,127,-37,27,81,true,Reduce,"Cut high-beta by 2-3%, add cash",2,0,BrokerB,VWAP,95,Drift>tolerance,Reduce,Allocation drift beyond policy bands,30,-56,148,4,false,Tax-aware sells next window
P9744,Hands-off,Roth,USD,2024-10-29,721792,35129,686663,1.0,55.9,28.2,8.1,7.8,AAPL:36.2%;GLD:36.2%;BRK.B:27.7%,US:68.8;EU:13.6;APAC:12.1;EM:4.0;Other:1.6,Value:+0.2;Growth:+0.9;Quality:+0.1;Size:-0.3;Momentum:-0.7;LowVol:-0.3,ESGOnly,7,35,5.6,trailing 10%,97,16.3,Sideways,17.1,3.62,3.1,115,33,53,53,false,Rebalance,Shift +1% to bonds from equity,33,3,BrokerC,MKT,90,None,None,Normal monitoring,27,-18,136,5,false,Increase defensive factor exposure
P9745,Active,IRA,USD,2025-07-24,1662251,156832,1505419,1.0,53.6,22.2,18.7,5.5,GLD:25.0%;BRK.B:25.0%;VOO:25.0%;MSFT:25.0%,US:65.1;EU:17.8;APAC:7.1;EM:5.6;Other:4.4,Value:+0.8;Growth:-0.9;Quality:-0.0;Size:-0.8;Momentum:+0.5;LowVol:+0.5,,5,30,5.8,trailing 9%,192,18.9,Volatile,28.3,3.88,2.1,156,-27,29,65,false,NoAction,Within bands; monitor,24,-33,BrokerB,LMT,94,None,None,Normal monitoring,-35,-43,-29,4,false,Increase defensive factor exposure
P9746,Opportunistic,IRA,USD,2025-02-07,606582,45263,561319,1.0,61.6,16.2,15.2,7.0,MSFT:18.9%;XLF:23.5%;BRK.B:15.6%;AMZN:18.4%;AAPL:23.5%,US:65.7;EU:10.2;APAC:14.8;EM:6.8;Other:2.5,Value:-1.0;Growth:0.0;Quality:-0.6;Size:-0.7;Momentum:-0.2;LowVol:+0.7,MaxPos8%;NoDerivatives,6,25,5.8,trailing 7%,166,31.9,Sideways,21.4,4.65,3.3,127,-22,35,62,false,Rebalance,Shift +1% to bonds from equity,30,-11,BrokerB,MKT,99,None,None,Normal monitoring,37,12,73,4,false,Tax-aware sells next window
P9747,Cautious,IRA,USD,2024-09-01,203977,23398,180579,1.0,35.5,33.8,14.9,15.8,TSLA:24.5%;AMZN:24.5%;HYG:24.5%;BRK.B:9.9%;VOO:16.6%,US:70.8;EU:15.8;APAC:6.9;EM:5.0;Other:1.5,Value:-0.8;Growth:-0.6;Quality:+0.1;Size:+0.4;Momentum:-0.9;LowVol:-0.5,ESGOnly;NoMargin,5,35,5.1,trailing 8%,126,14.1,Bull,11.1,3.81,2.2,80,33,80,20,false,NoAction,Within bands; monitor,-5,3,BrokerD,LMT,92,None,None,Normal monitoring,26,-21,37,5,false,Monitor dispersion and breadth
P9748,Hands-off,Taxable,USD,2025-06-24,276137,11665,264472,1.0,59.9,29.1,1.6,9.5,XLF:33.3%;GLD:33.3%;TLT:33.3%,US:75.4;EU:6.8;APAC:8.3;EM:5.1;Other:4.5,Value:-0.4;Growth:-0.6;Quality:-0.4;Size:-0.5;Momentum:+0.6;LowVol:+0.1,NoDerivatives,8,30,5.9,trailing 8%,135,18.9,Volatile,29.8,5.16,2.3,131,9,59,77,true,Hedge,Buy index puts 1% notional,11,1,BrokerA,MKT,95,RegimeShift,Hedge,Volatility spike and breadth deterioration,106,-21,84,2,false,Within IPS guidelines
P9749,Cautious,Trust,USD,2025-07-20,621177,88375,532802,1.0,43.5,39.2,1.4,15.9,HYG:33.3%;GLD:33.3%;VOO:33.3%,US:73.0;EU:8.8;APAC:12.0;EM:5.9;Other:0.4,Value:+0.6;Growth:-0.8;Quality:+0.9;Size:+0.4;Momentum:0.0;LowVol:-1.0,NoDerivatives;NoMargin,6,35,5.3,trailing 10%,116,19.3,Sideways,17.2,4.72,2.1,139,-9,52,37,false,Buy,Add to core equity +1%,33,-13,BrokerD,VWAP,85,None,None,Normal monitoring,-15,-9,-18,3,false,Increase defensive factor exposure
P9750,Cautious,IRA,USD,2024-12-04,406661,47256,359405,1.0,49.0,38.9,0.0,12.1,AAPL:25.1%;VTI:25.1%;XLF:24.7%;HYG:25.1%,US:63.8;EU:12.1;APAC:11.8;EM:7.0;Other:5.3,Value:-0.2;Growth:+0.4;Quality:+0.4;Size:+0.3;Momentum:-0.6;LowVol:-0.4,ESGOnly;NoMargin,5,35,5.1,trailing 8%,158,19.6,Bull,14.1,3.7,2.7,70,52,77,29,false,Rebalance,Shift +1% to bonds from equity,-11,-17,BrokerA,LMT,90,None,None,Normal monitoring,-44,-16,82,3,false,Monitor dispersion and breadth
P9751,Opportunistic,Trust,USD,2025-03-18,1451129,82689,1368440,1.18,66.8,14.4,11.3,7.4,BND:25.1%;HYG:17.8%;XLF:28.5%;TSLA:28.5%,US:64.3;EU:14.1;APAC:10.3;EM:9.6;Other:1.7,Value:+0.5;Growth:-0.4;Quality:+0.2;Size:+0.4;Momentum:+0.3;LowVol:-0.4,,10,35,5.1,trailing 7%,255,26.4,Volatile,29.0,4.95,2.4,157,73,88,73,true,Reduce,"Cut high-beta by 2-3%, add cash",29,5,BrokerC,LMT,92,RegimeShift,Hedge,Volatility spike and breadth deterioration,-28,-34,10,4,false,Monitor dispersion and breadth
P9752,Cautious,401k,USD,2025-10-03,518904,66713,452191,1.0,49.3,32.4,2.4,15.9,VTI:26.2%;VNQ:26.2%;AMZN:21.4%;TSLA:26.2%,US:59.7;EU:15.4;APAC:12.0;EM:8.9;Other:4.0,Value:-0.5;Growth:-0.8;Quality:+0.7;Size:-0.7;Momentum:-0.8;LowVol:-0.0,ESGOnly;NoDerivatives;NoMargin,8,35,5.8,trailing 8%,160,16.6,Bear,31.7,3.25,1.4,172,26,57,70,false,Buy,Add to core equity +1%,-13,-18,BrokerC,LMT,97,None,None,Normal monitoring,-9,-2,119,3,false,Within IPS guidelines
P9753,Opportunistic,IRA,USD,2025-09-29,863613,66543,797070,1.06,74.0,20.8,0.0,5.2,AAPL:27.3%;TSLA:27.3%;VOO:18.0%;MUB:27.3%,US:58.8;EU:16.1;APAC:15.3;EM:6.0;Other:3.8,Value:+0.7;Growth:+0.2;Quality:+1.0;Size:+0.9;Momentum:+0.2;LowVol:-1.0,,5,30,5.0,trailing 7%,194,32.0,Volatile,22.7,4.39,4.4,116,-20,55,78,true,Reduce,"Cut high-beta by 2-3%, add cash",-9,-35,BrokerD,MKT,89,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-19,20,109,5,false,Tighten stops on momentum names
P9754,Hands-off,Roth,USD,2024-07-19,742391,58263,684128,1.0,58.2,26.6,5.9,9.2,AMZN:12.5%;AAPL:20.2%;MUB:11.0%;HYG:20.2%;XLF:20.2%;BRK.B:16.0%,US:68.6;EU:17.4;APAC:8.2;EM:4.4;Other:1.4,Value:-0.7;Growth:-0.0;Quality:+0.5;Size:-0.6;Momentum:+0.6;LowVol:-0.7,MaxPos7%;NoDerivatives,5,25,5.2,hard 10%,168,15.6,Volatile,30.7,4.7,3.1,143,73,100,74,true,Hedge,Buy index puts 1% notional,-8,-37,BrokerB,MKT,91,VAR>budget,TightenStops,Risk above budget threshold,11,-41,87,5,false,Within IPS guidelines
P9755,Cautious,401k,USD,2024-08-22,435808,59549,376259,1.0,44.0,41.1,0.4,14.6,BND:22.5%;VNQ:12.4%;MUB:23.4%;VTI:18.3%;IEF:23.4%,US:74.9;EU:8.5;APAC:7.2;EM:8.6;Other:0.9,Value:-0.5;Growth:+0.4;Quality:-0.7;Size:+0.5;Momentum:-0.1;LowVol:-0.6,ESGOnly;NoDerivatives;NoMargin,8,30,3.1,trailing 8%,131,15.2,Sideways,16.5,4.53,3.0,96,38,59,34,false,Hedge,Add TLT +1% as duration hedge,3,11,BrokerB,MKT,98,None,None,Normal monitoring,7,-30,41,4,false,Increase defensive factor exposure
P9756,Hands-off,Trust,USD,2024-11-05,334300,30259,304041,1.0,67.8,23.0,0.0,9.2,VOO:21.2%;BRK.B:9.1%;AMZN:21.2%;GLD:16.9%;AAPL:18.5%;TLT:13.2%,US:62.7;EU:18.6;APAC:12.7;EM:4.8;Other:1.3,Value:-0.8;Growth:+0.4;Quality:-0.9;Size:-0.8;Momentum:+0.3;LowVol:+0.1,MaxPos8%,5,35,5.7,trailing 8%,138,16.5,Bear,34.0,3.44,2.8,140,2,38,97,true,Hedge,Buy index puts 1% notional,-6,-34,BrokerD,LMT,100,RegimeShift,Hedge,Volatility spike and breadth deterioration,33,-15,106,3,false,Tax-aware sells next window
P9757,Systematic,Roth,USD,2025-11-11,660301,61257,599044,1.0,60.0,20.1,14.0,6.0,MSFT:28.0%;TSLA:28.0%;QQQ:16.1%;MUB:28.0%,US:65.2;EU:16.9;APAC:9.4;EM:6.9;Other:1.5,Value:-0.3;Growth:-1.0;Quality:+0.8;Size:+0.2;Momentum:+0.9;LowVol:+0.9,,10,35,4.3,hard 12%,128,24.3,Volatile,25.5,5.16,3.6,160,-10,44,61,false,Buy,Add to core equity +1%,0,14,BrokerD,VWAP,87,None,None,Normal monitoring,89,-51,89,4,false,Tax-aware sells next window
P9758,Systematic,IRA,USD,2025-04-02,1596337,137107,1459230,1.0,60.5,25.4,4.2,9.9,XLF:25.4%;VOO:37.3%;BRK.B:37.3%,US:69.7;EU:15.6;APAC:7.5;EM:7.2;Other:0.0,Value:-0.6;Growth:+0.7;Quality:-0.3;Size:-0.1;Momentum:-0.1;LowVol:+0.1,MaxPos7%,7,35,4.2,trailing 8%,160,27.0,Bull,12.3,3.68,3.1,79,82,89,49,false,Rebalance,Shift +1% to bonds from equity,27,-40,BrokerD,MKT,96,None,None,Normal monitoring,-29,-41,-33,5,false,Monitor dispersion and breadth
P9759,Active,401k,USD,2025-06-21,805599,79125,726474,1.0,61.1,27.2,2.5,9.1,TSLA:22.2%;AMZN:13.8%;MUB:23.6%;BND:22.7%;VNQ:17.7%,US:68.4;EU:11.9;APAC:11.2;EM:8.2;Other:0.3,Value:-0.2;Growth:+0.7;Quality:+0.8;Size:+0.7;Momentum:+0.8;LowVol:+1.0,NoDerivatives,10,25,5.7,hard 12%,207,19.9,Volatile,27.5,5.25,3.9,150,77,99,77,true,Rebalance,Rebalance back to target bands,-7,-40,BrokerA,LMT,92,VAR>budget,Hedge,Risk above budget threshold,65,-12,37,3,false,Increase defensive factor exposure
P9760,Hands-off,Taxable,USD,2025-02-10,734026,67426,666600,1.0,56.0,22.1,15.1,6.8,AMZN:9.2%;BRK.B:23.4%;AAPL:23.4%;VTI:11.9%;VNQ:23.4%;MUB:8.8%,US:69.7;EU:11.1;APAC:6.4;EM:9.1;Other:3.7,Value:-0.6;Growth:-0.4;Quality:-0.5;Size:-0.7;Momentum:+0.6;LowVol:+0.3,ESGOnly;MaxPos5%,5,35,4.4,hard 10%,109,17.7,Volatile,25.8,4.5,3.5,140,-27,31,70,false,Rebalance,Shift +1% to bonds from equity,33,10,BrokerA,MKT,85,None,None,Normal monitoring,-30,-23,-29,5,false,Tax-aware sells next window
P9761,Cautious,401k,USD,2024-11-28,782756,76869,705887,1.0,36.0,33.8,19.2,11.0,QQQ:18.6%;BND:30.0%;BRK.B:30.0%;AMZN:21.3%,US:61.7;EU:14.3;APAC:12.0;EM:9.4;Other:2.7,Value:+0.8;Growth:+0.5;Quality:-0.1;Size:+0.1;Momentum:-0.8;LowVol:+0.1,ESGOnly;NoDerivatives;NoMargin,8,30,4.1,trailing 8%,118,18.8,Bull,11.8,4.12,2.4,87,113,100,28,true,Hedge,Buy index puts 1% notional,-12,5,BrokerB,LMT,94,VAR>budget,TightenStops,Risk above budget threshold,73,-2,203,3,false,Monitor dispersion and breadth
P9762,Cautious,Roth,USD,2025-09-11,537876,66216,471660,1.0,47.2,40.1,0.0,12.7,MUB:33.3%;HYG:33.3%;VTI:33.3%,US:65.2;EU:10.2;APAC:13.2;EM:6.5;Other:4.9,Value:+0.9;Growth:-0.9;Quality:-0.0;Size:-0.3;Momentum:0.0;LowVol:-0.8,NoMargin,6,30,5.0,trailing 8%,114,13.5,Bull,13.5,4.87,2.4,102,19,68,38,false,Sell,Trim extended winner -1%,25,-40,BrokerC,LMT,96,None,None,Normal monitoring,80,-59,99,3,false,Increase defensive factor exposure
P9763,Cautious,Roth,USD,2025-05-16,587795,54469,533326,1.0,42.5,31.4,15.4,10.7,MSFT:12.8%;HYG:18.0%;XLF:15.1%;MUB:21.4%;VTI:11.4%;TLT:21.4%,US:72.1;EU:7.7;APAC:5.5;EM:10.7;Other:3.9,Value:-0.7;Growth:+0.6;Quality:-0.7;Size:+0.2;Momentum:+0.1;LowVol:+0.7,NoMargin,8,30,6.0,trailing 8%,152,16.4,Volatile,31.4,4.86,2.9,179,76,90,63,true,Hedge,Buy index puts 1% notional,27,-24,BrokerD,LMT,97,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-58,-49,69,2,false,Increase defensive factor exposure
P9764,Opportunistic,Taxable,USD,2025-05-28,1521371,63097,1458274,1.0,60.8,19.5,13.6,6.0,HYG:32.4%;IEF:33.8%;AMZN:33.8%,US:63.9;EU:18.6;APAC:5.8;EM:11.7;Other:0.0,Value:+0.6;Growth:-0.4;Quality:-0.2;Size:-0.4;Momentum:-0.6;LowVol:-0.9,MaxPos6%,5,25,6.2,trailing 7%,206,30.4,Volatile,27.8,4.36,2.8,177,-47,15,79,true,Rebalance,Rebalance back to target bands,6,-28,BrokerA,VWAP,98,RegimeShift,Hedge,Volatility spike and breadth deterioration,-14,-8,5,3,false,Tax-aware sells next window
P9765,Hands-off,Taxable,USD,2025-08-31,364557,31568,332989,1.0,63.8,20.0,8.1,8.1,TSLA:30.8%;MSFT:34.6%;AAPL:34.6%,US:77.2;EU:6.5;APAC:10.0;EM:4.1;Other:2.1,Value:0.0;Growth:-0.5;Quality:+0.6;Size:+0.3;Momentum:+0.4;LowVol:+0.7,,10,25,3.3,trailing 8%,170,13.2,Volatile,30.9,3.88,2.3,128,49,72,84,true,Hedge,Buy index puts 1% notional,28,-23,BrokerD,MKT,86,VAR>budget,TightenStops,Risk above budget threshold,-43,-15,-28,2,false,Tighten stops on momentum names
P9766,Hands-off,Roth,USD,2024-09-24,859252,42017,817235,1.0,59.5,16.2,19.1,5.2,GLD:33.3%;HYG:33.3%;MUB:33.3%,US:68.9;EU:17.7;APAC:8.3;EM:5.1;Other:0.0,Value:+0.3;Growth:-0.8;Quality:+0.2;Size:-0.3;Momentum:-0.9;LowVol:-0.9,,10,30,5.8,trailing 8%,166,12.9,Bull,18.0,4.47,2.0,99,40,71,60,false,NoAction,Within bands; monitor,-11,3,BrokerB,MKT,0,None,None,Normal monitoring,-16,-37,-50,3,false,Increase defensive factor exposure
P9767,Active,IRA,USD,2024-09-20,1292749,139821,1152928,1.0,64.2,29.9,0.8,5.0,BND:33.3%;VOO:33.3%;MUB:33.3%,US:69.1;EU:11.8;APAC:11.2;EM:5.3;Other:2.7,Value:-0.0;Growth:-0.7;Quality:+0.5;Size:+0.9;Momentum:+0.6;LowVol:+0.8,MaxPos5%;NoDerivatives,7,35,6.0,trailing 9%,154,21.4,Bull,11.1,3.52,2.0,117,93,100,39,false,Buy,Add to core equity +1%,14,-7,BrokerB,MKT,89,None,None,Normal monitoring,60,-4,63,3,false,Increase defensive factor exposure
P9768,Cautious,IRA,USD,2025-04-06,348786,37976,310810,1.0,52.0,33.4,0.0,14.6,VTI:22.4%;GLD:22.4%;BND:22.4%;VOO:17.9%;AAPL:15.1%,US:71.5;EU:13.2;APAC:6.6;EM:8.2;Other:0.5,Value:-1.0;Growth:-0.9;Quality:-0.4;Size:-0.3;Momentum:+0.8;LowVol:+0.2,NoMargin,8,30,4.3,trailing 8%,120,12.7,Volatile,31.4,5.32,3.3,115,-13,36,70,false,Rebalance,Shift +1% to bonds from equity,10,-30,BrokerB,LMT,87,None,None,Normal monitoring,-7,15,15,4,false,Increase defensive factor exposure
P9769,Hands-off,Taxable,USD,2024-12-22,341798,17962,323836,1.0,62.4,15.9,14.0,7.7,VNQ:24.0%;BRK.B:24.0%;AMZN:14.3%;HYG:14.8%;IEF:22.9%,US:60.7;EU:14.2;APAC:11.5;EM:8.5;Other:5.1,Value:-0.1;Growth:+0.5;Quality:-0.6;Size:-0.9;Momentum:+0.3;LowVol:+0.5,ESGOnly,10,35,4.7,trailing 8%,90,14.2,Sideways,15.9,4.82,3.5,109,6,50,46,true,Hedge,Buy index puts 1% notional,25,8,BrokerA,MKT,96,Drift>tolerance,Hedge,Allocation drift beyond policy bands,60,-2,119,3,false,Tax-aware sells next window
P9770,Systematic,IRA,USD,2025-05-02,1446604,79240,1367364,1.0,57.1,26.7,8.2,8.1,MUB:25.0%;BND:25.0%;HYG:25.0%;VTI:25.0%,US:75.7;EU:11.0;APAC:6.1;EM:5.8;Other:1.4,Value:-0.1;Growth:-0.1;Quality:+0.5;Size:+0.7;Momentum:-0.6;LowVol:+0.3,,10,35,5.0,hard 12%,144,20.7,Sideways,21.5,4.1,2.8,125,10,46,53,false,Rebalance,Shift +1% to bonds from equity,26,-35,BrokerB,MKT,92,None,None,Normal monitoring,110,-10,72,3,false,Within IPS guidelines
P9771,Systematic,Roth,USD,2024-10-07,1118625,105651,1012974,1.0,63.7,29.3,1.9,5.2,TSLA:33.3%;XLF:33.3%;AAPL:33.3%,US:64.2;EU:18.2;APAC:11.0;EM:5.5;Other:1.0,Value:-0.7;Growth:-0.3;Quality:-0.2;Size:+0.4;Momentum:-0.8;LowVol:+0.5,MaxPos6%,7,25,6.0,trailing 8%,212,25.4,Bull,16.8,3.52,2.5,100,0,50,49,false,Rebalance,Shift +1% to bonds from equity,-12,-30,BrokerB,MKT,96,None,None,Normal monitoring,107,20,69,5,false,Within IPS guidelines
P9772,Active,Taxable,USD,2024-11-27,1675748,148626,1527122,1.07,62.8,31.0,1.0,5.2,MUB:11.7%;XLF:19.6%;VOO:21.0%;QQQ:21.0%;GLD:9.4%;TSLA:17.3%,US:72.8;EU:7.5;APAC:11.4;EM:8.2;Other:0.1,Value:-0.4;Growth:-0.1;Quality:-0.0;Size:+0.2;Momentum:0.0;LowVol:-0.6,,7,25,4.8,trailing 9%,151,25.1,Sideways,17.1,3.76,2.2,94,-1,61,55,false,Hedge,Add TLT +1% as duration hedge,35,-6,BrokerB,MKT,97,None,None,Normal monitoring,-37,19,27,3,false,Tax-aware sells next window
P9773,Cautious,Roth,USD,2025-03-10,390002,42996,347006,1.0,37.3,42.4,9.7,10.5,MUB:18.7%;AAPL:20.0%;XLF:30.7%;BND:30.7%,US:68.8;EU:17.0;APAC:7.4;EM:6.7;Other:0.1,Value:+0.8;Growth:-0.4;Quality:+0.6;Size:+0.8;Momentum:-0.4;LowVol:+0.2,NoMargin,8,35,5.1,hard 10%,124,13.1,Bear,24.0,4.21,1.9,148,-69,10,54,false,Buy,Add to core equity +1%,34,-17,BrokerD,MKT,86,None,None,Normal monitoring,-55,-43,55,5,false,Increase defensive factor exposure
P9774,Hands-off,Roth,USD,2025-02-11,421151,27834,393317,1.0,62.9,15.5,14.9,6.7,BRK.B:12.5%;TSLA:22.6%;MUB:20.5%;XLF:21.8%;AAPL:22.6%,US:68.5;EU:11.8;APAC:12.2;EM:6.8;Other:0.7,Value:+0.4;Growth:+0.1;Quality:+0.2;Size:+0.9;Momentum:+0.8;LowVol:+0.3,MaxPos7%,8,35,6.0,trailing 10%,163,14.5,Sideways,20.3,4.68,2.9,115,26,57,51,false,NoAction,Within bands; monitor,23,-29,BrokerA,VWAP,92,None,None,Normal monitoring,62,-36,155,3,false,Monitor dispersion and breadth
P9775,Active,Roth,USD,2024-07-18,1452500,148439,1304061,1.0,53.9,20.5,16.5,9.2,AAPL:23.4%;TLT:17.4%;BRK.B:13.2%;XLF:22.5%;TSLA:23.4%,US:74.0;EU:7.3;APAC:8.3;EM:8.0;Other:2.4,Value:+0.3;Growth:+0.8;Quality:+0.5;Size:-0.5;Momentum:-0.9;LowVol:-0.4,,8,25,4.7,trailing 9%,222,23.5,Sideways,16.2,4.44,2.4,122,53,63,37,false,Buy,Add to core equity +1%,12,13,BrokerD,LMT,92,None,None,Normal monitoring,95,-59,233,4,false,Monitor dispersion and breadth
P9776,Cautious,Roth,USD,2024-10-19,414452,52691,361761,1.0,45.0,39.8,0.0,15.2,AMZN:28.9%;MSFT:13.2%;VTI:28.9%;VNQ:28.9%,US:68.4;EU:15.5;APAC:5.8;EM:6.9;Other:3.5,Value:-0.2;Growth:+0.7;Quality:+0.9;Size:-0.3;Momentum:-0.2;LowVol:-0.5,NoMargin,8,25,3.8,trailing 8%,146,13.2,Volatile,26.1,3.97,3.4,132,-3,60,49,false,Rebalance,Shift +1% to bonds from equity,13,15,BrokerC,MKT,94,None,None,Normal monitoring,110,11,214,3,false,Within IPS guidelines
P9777,Opportunistic,IRA,USD,2024-12-24,1673634,74149,1599485,1.0,69.5,16.2,7.0,7.3,MSFT:23.2%;BND:19.5%;VOO:12.4%;AAPL:23.2%;TSLA:21.8%,US:61.8;EU:20.4;APAC:8.0;EM:6.4;Other:3.4,Value:-0.6;Growth:-0.6;Quality:-0.1;Size:-0.2;Momentum:-0.6;LowVol:+0.8,MaxPos5%,10,30,6.5,trailing 7%,257,34.2,Bull,11.3,3.68,2.8,75,74,75,37,false,Rebalance,Shift +1% to bonds from equity,34,-17,BrokerC,VWAP,96,None,None,Normal monitoring,-21,-32,-32,4,false,Within IPS guidelines
P9778,Cautious,Taxable,USD,2024-08-09,829109,100607,728502,1.0,35.6,41.6,8.3,14.6,IEF:20.5%;BND:14.0%;AMZN:17.0%;MUB:16.7%;BRK.B:20.5%;TSLA:11.3%,US:50.6;EU:18.5;APAC:14.5;EM:11.9;Other:4.5,Value:+0.6;Growth:-0.8;Quality:+0.9;Size:+0.3;Momentum:-0.2;LowVol:-0.1,ESGOnly;NoDerivatives;NoMargin,8,25,4.9,trailing 8%,134,17.4,Bull,17.4,3.89,2.9,104,20,62,40,false,Rebalance,Shift +1% to bonds from equity,-3,10,BrokerC,LMT,89,None,None,Normal monitoring,-26,7,-14,4,false,Within IPS guidelines
P9779,Systematic,IRA,USD,2025-08-05,1648970,74036,1574934,1.0,64.8,25.4,1.8,8.0,TLT:26.6%;AMZN:26.6%;HYG:12.8%;VTI:17.5%;QQQ:16.4%,US:63.5;EU:17.3;APAC:8.8;EM:7.6;Other:2.8,Value:-0.0;Growth:-0.4;Quality:+0.6;Size:+1.0;Momentum:-0.3;LowVol:+0.5,,5,30,4.9,trailing 8%,177,20.2,Bear,34.5,3.72,1.9,186,-104,5,89,true,Rebalance,Rebalance back to target bands,-12,4,BrokerB,VWAP,88,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-59,-29,59,2,false,Tighten stops on momentum names
P9780,Active,Taxable,USD,2025-09-02,1345108,145389,1199719,1.2,54.8,24.9,13.5,6.8,QQQ:23.5%;GLD:23.5%;BRK.B:16.5%;AMZN:20.5%;XLF:16.0%,US:69.8;EU:13.7;APAC:6.4;EM:6.9;Other:3.3,Value:+0.9;Growth:+0.7;Quality:+0.9;Size:-0.7;Momentum:-1.0;LowVol:+0.8,MaxPos8%,5,25,5.7,trailing 8%,164,16.7,Sideways,17.9,4.14,3.5,103,-10,40,55,true,Hedge,Buy index puts 1% notional,12,-15,BrokerD,MKT,86,RegimeShift,Reduce,Volatility spike and breadth deterioration,26,-35,37,2,false,Tax-aware sells next window
P9781,Active,Roth,USD,2025-05-31,621619,40753,580866,1.0,53.7,27.3,12.5,6.6,TSLA:22.8%;BRK.B:38.6%;XLF:38.6%,US:67.1;EU:16.4;APAC:6.5;EM:6.6;Other:3.4,Value:-0.2;Growth:+0.7;Quality:-0.1;Size:+0.6;Momentum:+0.1;LowVol:+0.5,,5,25,5.0,trailing 8%,148,23.0,Volatile,26.6,3.76,3.0,140,71,97,66,false,Rebalance,Shift +1% to bonds from equity,23,2,BrokerA,MKT,85,None,None,Normal monitoring,80,11,215,5,false,Tax-aware sells next window
P9782,Opportunistic,Taxable,USD,2024-11-10,1717589,149894,1567695,1.0,75.1,10.4,10.0,4.5,MUB:33.3%;BRK.B:33.3%;IEF:33.3%,US:68.9;EU:15.6;APAC:7.3;EM:5.4;Other:2.8,Value:+0.7;Growth:-0.5;Quality:+0.6;Size:+0.4;Momentum:+0.1;LowVol:-0.5,MaxPos5%,6,25,4.3,trailing 7%,279,20.1,Volatile,21.3,4.8,4.3,117,-53,34,66,false,NoAction,Within bands; monitor,-4,-15,BrokerA,VWAP,95,None,None,Normal monitoring,80,-43,147,5,false,Within IPS guidelines
P9783,Systematic,401k,USD,2024-12-22,1027225,62215,965010,1.0,67.9,23.7,0.0,8.3,TLT:13.3%;AMZN:22.2%;BND:11.2%;VTI:22.2%;BRK.B:17.9%;MSFT:13.3%,US:67.2;EU:13.7;APAC:7.5;EM:10.7;Other:0.9,Value:+0.7;Growth:+0.8;Quality:+0.4;Size:-0.0;Momentum:-0.5;LowVol:+0.3,MaxPos5%,5,35,4.1,trailing 8%,173,26.2,Sideways,19.5,4.98,2.2,138,48,89,56,false,NoAction,Within bands; monitor,-15,-5,BrokerD,VWAP,86,None,None,Normal monitoring,22,-52,-2,3,false,Tax-aware sells next window
P9784,Opportunistic,Taxable,USD,2025-02-24,1485666,71925,1413741,1.0,61.5,13.6,20.7,4.1,VOO:26.0%;VTI:37.0%;QQQ:37.0%,US:61.7;EU:9.7;APAC:12.3;EM:11.8;Other:4.6,Value:+0.9;Growth:+0.5;Quality:-0.7;Size:+0.3;Momentum:+0.1;LowVol:-0.4,,8,25,6.2,trailing 9%,175,26.1,Bear,25.9,4.18,1.1,204,-92,5,73,true,Rebalance,Rebalance back to target bands,32,6,BrokerA,MKT,100,VAR>budget,Hedge,Risk above budget threshold,75,-41,155,5,false,Tax-aware sells next window
P9785,Opportunistic,401k,USD,2025-07-22,1473163,90090,1383073,1.0,66.5,19.6,6.7,7.2,MSFT:33.3%;TSLA:33.3%;QQQ:33.3%,US:70.4;EU:16.2;APAC:4.7;EM:4.4;Other:4.3,Value:+0.4;Growth:+0.2;Quality:+0.7;Size:-0.3;Momentum:+0.3;LowVol:-0.8,MaxPos5%;NoDerivatives,10,25,5.5,hard 12%,280,33.7,Volatile,27.0,4.28,3.8,178,9,59,69,false,Rebalance,Shift +1% to bonds from equity,12,-32,BrokerB,MKT,91,None,None,Normal monitoring,102,-17,115,4,false,Within IPS guidelines
P9786,Hands-off,Taxable,USD,2025-02-23,491146,40339,450807,1.0,60.4,15.3,14.4,10.0,TLT:15.5%;BND:9.8%;TSLA:20.4%;MUB:10.5%;XLF:21.9%;QQQ:21.9%,US:58.5;EU:12.9;APAC:15.4;EM:12.1;Other:1.2,Value:+0.3;Growth:-0.7;Quality:-0.9;Size:-0.5;Momentum:-0.5;LowVol:+0.8,ESGOnly;MaxPos7%,10,35,5.2,trailing 8%,122,16.1,Bull,13.8,4.77,2.0,83,11,51,52,false,Hedge,Add TLT +1% as duration hedge,35,-36,BrokerC,MKT,97,None,None,Normal monitoring,21,15,31,3,false,Monitor dispersion and breadth
P9787,Active,Taxable,USD,2024-08-05,1318288,151651,1166637,1.08,54.9,28.0,7.1,9.9,BND:24.0%;VOO:12.8%;MSFT:18.4%;VTI:20.8%;GLD:24.0%,US:69.9;EU:7.8;APAC:10.5;EM:10.6;Other:1.2,Value:-0.8;Growth:+0.4;Quality:+0.8;Size:+0.3;Momentum:+0.8;LowVol:+0.2,MaxPos7%;NoDerivatives,8,30,4.7,trailing 9%,175,24.0,Volatile,30.7,5.27,2.6,120,-54,22,82,true,Reduce,"Cut high-beta by 2-3%, add cash",20,-39,BrokerA,LMT,87,Drift>tolerance,Hedge,Allocation drift beyond policy bands,79,-19,109,3,false,Increase defensive factor exposure
P9788,Hands-off,401k,USD,2024-08-14,504023,21992,482031,1.0,56.6,25.3,11.4,6.8,MSFT:16.4%;HYG:27.9%;BND:27.9%;AMZN:27.9%,US:61.8;EU:17.0;APAC:11.7;EM:7.0;Other:2.4,Value:-0.1;Growth:+0.6;Quality:-0.5;Size:-0.9;Momentum:+0.2;LowVol:-0.6,MaxPos6%,8,30,4.5,trailing 8%,150,14.7,Sideways,21.9,3.85,3.2,135,-26,49,50,false,Rebalance,Shift +1% to bonds from equity,34,-34,BrokerA,LMT,97,None,None,Normal monitoring,25,-12,84,5,false,Tighten stops on momentum names
P9789,Hands-off,401k,USD,2025-08-22,651605,57926,593679,1.0,68.1,15.7,8.7,7.4,MSFT:22.5%;AAPL:16.1%;BND:22.5%;VNQ:10.5%;GLD:10.6%;AMZN:17.7%,US:66.4;EU:7.4;APAC:11.3;EM:13.0;Other:1.9,Value:-0.7;Growth:+0.1;Quality:-0.0;Size:-0.9;Momentum:+0.7;LowVol:0.0,ESGOnly;MaxPos5%,5,35,3.7,trailing 10%,98,15.5,Sideways,20.2,4.11,3.5,103,-20,48,59,false,Sell,Trim extended winner -1%,2,-24,BrokerA,MKT,97,None,None,Normal monitoring,-49,-53,-39,4,false,Tax-aware sells next window
P9790,Opportunistic,Trust,USD,2025-02-03,1633112,70406,1562706,1.18,60.7,11.8,19.0,8.5,QQQ:20.3%;GLD:26.7%;IEF:26.7%;BND:14.6%;HYG:11.7%,US:76.8;EU:8.3;APAC:5.8;EM:8.8;Other:0.3,Value:+0.6;Growth:-0.9;Quality:+0.3;Size:-1.0;Momentum:-0.3;LowVol:-0.4,NoDerivatives,7,25,5.7,trailing 7%,229,27.5,Sideways,21.3,4.85,2.0,108,0,53,52,false,Buy,Add to core equity +1%,-4,-27,BrokerB,MKT,85,None,None,Normal monitoring,42,-44,14,5,false,Tax-aware sells next window
P9791,Active,Taxable,USD,2025-10-30,633265,67841,565424,1.0,54.5,21.1,17.3,7.1,BND:20.9%;MSFT:21.2%;VOO:20.6%;IEF:21.2%;MUB:16.1%,US:69.7;EU:10.5;APAC:12.1;EM:4.7;Other:2.9,Value:+1.0;Growth:+0.9;Quality:-0.4;Size:-0.7;Momentum:+0.1;LowVol:0.0,NoDerivatives,10,35,4.4,trailing 8%,141,27.5,Bull,12.8,3.64,2.5,85,111,93,37,false,Rebalance,Shift +1% to bonds from equity,27,-15,BrokerA,MKT,85,None,None,Normal monitoring,-57,-21,-52,3,false,Within IPS guidelines
P9792,Opportunistic,IRA,USD,2025-07-09,1293707,54249,1239458,1.0,65.0,11.1,16.9,7.0,VTI:23.5%;AMZN:23.5%;HYG:10.0%;MSFT:21.1%;TSLA:22.0%,US:62.5;EU:12.5;APAC:11.3;EM:10.3;Other:3.4,Value:-0.9;Growth:-0.5;Quality:+0.1;Size:-0.2;Momentum:+0.3;LowVol:+0.8,MaxPos8%;NoDerivatives,10,30,6.3,trailing 7%,244,26.9,Sideways,16.2,3.67,3.1,112,46,74,46,false,NoAction,Within bands; monitor,34,-13,BrokerD,MKT,0,None,None,Normal monitoring,118,18,205,3,false,Increase defensive factor exposure
P9793,Cautious,401k,USD,2025-09-18,292189,46552,245637,1.0,52.1,37.6,0.0,10.4,AAPL:33.3%;MSFT:33.3%;XLF:33.3%,US:72.7;EU:7.7;APAC:7.0;EM:9.7;Other:3.0,Value:-0.1;Growth:-0.1;Quality:-0.1;Size:-0.4;Momentum:+0.7;LowVol:-0.5,ESGOnly;MaxPos8%;NoMargin,7,30,4.6,hard 10%,115,16.8,Sideways,14.6,3.94,2.5,126,60,80,39,false,Buy,Add to core equity +1%,29,-3,BrokerC,LMT,88,None,None,Normal monitoring,0,-56,128,5,false,Tighten stops on momentum names
P9794,Cautious,Roth,USD,2024-10-29,762094,119461,642633,1.0,45.9,38.4,1.6,14.0,MSFT:11.6%;QQQ:24.2%;MUB:15.7%;VOO:24.2%;XLF:24.2%,US:67.1;EU:12.5;APAC:13.4;EM:4.8;Other:2.2,Value:-0.2;Growth:-0.3;Quality:-0.5;Size:-0.3;Momentum:+0.5;LowVol:+0.5,NoMargin,7,25,5.6,trailing 8%,120,13.4,Bear,27.5,4.32,1.0,145,-99,7,63,false,NoAction,Within bands; monitor,34,-10,BrokerA,VWAP,93,None,None,Normal monitoring,102,-24,119,4,false,Tighten stops on momentum names
P9795,Cautious,401k,USD,2025-11-13,444969,43868,401101,1.0,41.9,42.8,0.0,15.3,IEF:25.9%;VNQ:26.5%;TSLA:21.2%;QQQ:26.5%,US:63.4;EU:15.8;APAC:11.9;EM:5.0;Other:3.7,Value:-0.7;Growth:-0.7;Quality:+0.7;Size:-0.8;Momentum:+0.5;LowVol:-0.6,ESGOnly;NoMargin,7,35,6.0,hard 10%,113,16.1,Bear,31.4,4.09,2.7,156,-89,5,65,false,NoAction,Within bands; monitor,24,-34,BrokerB,LMT,90,None,None,Normal monitoring,-39,-55,-63,5,false,Increase defensive factor exposure
P9796,Systematic,IRA,USD,2024-09-05,747870,34572,713298,1.0,60.6,33.1,0.0,6.4,AMZN:32.6%;BRK.B:33.7%;IEF:33.7%,US:68.0;EU:11.6;APAC:11.3;EM:7.1;Other:2.0,Value:-0.1;Growth:+0.3;Quality:-0.0;Size:-0.6;Momentum:+0.3;LowVol:-0.6,MaxPos8%,5,25,5.3,trailing 9%,138,19.6,Volatile,20.8,4.59,2.7,158,43,63,65,false,NoAction,Within bands; monitor,-5,-31,BrokerD,LMT,92,None,None,Normal monitoring,69,-58,99,5,false,Tax-aware sells next window
P9797,Active,IRA,USD,2024-08-28,1879023,113201,1765822,1.09,58.6,26.3,8.5,6.6,TSLA:24.2%;BND:13.7%;XLF:13.9%;VTI:24.2%;AMZN:24.2%,US:69.5;EU:11.5;APAC:7.2;EM:9.1;Other:2.7,Value:-0.1;Growth:-0.7;Quality:+0.5;Size:+0.5;Momentum:+0.2;LowVol:-0.4,MaxPos8%;NoDerivatives,6,35,4.8,trailing 8%,218,20.0,Bear,25.0,3.66,1.3,163,-19,47,65,false,Rebalance,Shift +1% to bonds from equity,-3,15,BrokerC,VWAP,90,None,None,Normal monitoring,112,-35,169,5,false,Monitor dispersion and breadth
P9798,Systematic,401k,USD,2025-04-06,894078,38521,855557,1.0,59.9,34.4,0.0,5.7,XLF:33.3%;MUB:33.3%;GLD:33.3%,US:70.2;EU:7.5;APAC:7.1;EM:10.8;Other:4.4,Value:-0.1;Growth:-0.4;Quality:+0.6;Size:-0.8;Momentum:-0.2;LowVol:+0.4,,7,25,4.3,hard 12%,209,25.4,Volatile,21.5,4.45,2.0,128,-23,33,51,false,Hedge,Add TLT +1% as duration hedge,-4,-29,BrokerA,LMT,90,None,None,Normal monitoring,-57,-8,64,4,false,Tighten stops on momentum names
P9799,Systematic,Roth,USD,2024-10-18,1485145,148085,1337060,1.0,66.1,25.5,1.7,6.7,HYG:20.7%;AMZN:26.4%;XLF:26.4%;TSLA:26.4%,US:66.5;EU:6.8;APAC:10.3;EM:11.6;Other:4.8,Value:-0.9;Growth:-0.8;Quality:-0.2;Size:+0.6;Momentum:+0.3;LowVol:-0.6,MaxPos5%,6,35,4.1,trailing 8%,168,24.7,Bull,12.2,4.5,2.9,115,26,68,47,false,Rebalance,Shift +1% to bonds from equity,26,-34,BrokerD,MKT,99,None,None,Normal monitoring,55,-50,163,4,false,Tax-aware sells next window
P9800,Cautious,Trust,USD,2024-08-30,167101,26344,140757,1.0,50.0,31.1,6.2,12.7,MUB:25.0%;TLT:25.0%;VTI:25.0%;VOO:25.0%,US:57.8;EU:18.9;APAC:9.8;EM:9.4;Other:4.1,Value:+0.7;Growth:-0.8;Quality:+0.3;Size:-1.0;Momentum:-0.1;LowVol:-0.4,ESGOnly;NoDerivatives;NoMargin,6,30,5.3,trailing 8%,146,14.2,Bull,14.4,4.21,2.9,105,91,100,29,false,Sell,Trim extended winner -1%,-4,-28,BrokerC,LMT,85,None,None,Normal monitoring,5,20,85,4,false,Increase defensive factor exposure
P9801,Hands-off,Roth,USD,2025-02-10,416152,23038,393114,1.0,74.0,18.6,0.0,7.4,BRK.B:15.8%;QQQ:24.0%;HYG:24.0%;TLT:23.1%;BND:13.0%,US:58.9;EU:17.4;APAC:12.1;EM:9.9;Other:1.7,Value:-0.5;Growth:+0.9;Quality:+0.8;Size:+0.5;Momentum:+0.2;LowVol:-0.5,,6,25,3.8,trailing 8%,133,14.6,Bull,14.9,3.95,2.8,78,83,100,50,false,NoAction,Within bands; monitor,30,-24,BrokerC,MKT,0,None,None,Normal monitoring,82,-37,175,4,false,Monitor dispersion and breadth
P9802,Hands-off,401k,USD,2025-05-25,858838,59694,799144,1.0,59.0,23.2,11.3,6.5,VOO:20.4%;TSLA:21.2%;GLD:11.0%;BND:13.0%;AMZN:21.2%;VNQ:13.2%,US:61.0;EU:17.2;APAC:11.7;EM:9.6;Other:0.4,Value:-0.2;Growth:-0.4;Quality:+0.3;Size:-0.1;Momentum:+0.4;LowVol:-0.6,ESGOnly,7,25,4.5,hard 10%,108,14.2,Bull,15.0,3.5,2.4,110,43,56,47,false,NoAction,Within bands; monitor,-1,11,BrokerA,LMT,85,None,None,Normal monitoring,58,-53,141,3,false,Increase defensive factor exposure
P9803,Opportunistic,401k,USD,2024-10-06,1450180,54213,1395967,1.0,70.3,13.1,8.9,7.6,AMZN:33.3%;VOO:33.3%;VTI:33.3%,US:69.2;EU:9.0;APAC:11.4;EM:6.5;Other:3.9,Value:+0.2;Growth:+0.5;Quality:+0.3;Size:+0.3;Momentum:+0.8;LowVol:+0.6,MaxPos6%,10,30,5.9,hard 12%,187,20.6,Bear,28.7,4.11,1.9,209,-42,23,77,true,Reduce,"Cut high-beta by 2-3%, add cash",29,2,BrokerA,LMT,86,RegimeShift,Reduce,Volatility spike and breadth deterioration,102,-33,183,4,false,Within IPS guidelines
P9804,Active,Trust,USD,2025-09-23,1329633,154978,1174655,1.0,66.3,26.9,0.0,6.8,MSFT:16.9%;AAPL:20.9%;IEF:20.9%;TLT:17.8%;AMZN:12.2%;MUB:11.3%,US:67.6;EU:13.1;APAC:11.2;EM:4.2;Other:3.9,Value:-0.7;Growth:-0.5;Quality:+0.7;Size:-0.5;Momentum:+0.3;LowVol:-0.1,MaxPos6%;NoDerivatives,10,25,5.6,trailing 9%,190,19.1,Bear,34.9,3.55,2.4,219,-38,34,93,true,Hedge,Buy index puts 1% notional,12,-25,BrokerB,LMT,95,VAR>budget,Reduce,Risk above budget threshold,113,-6,220,3,false,Increase defensive factor exposure
P9805,Hands-off,401k,USD,2025-08-14,373716,30538,343178,1.0,60.9,26.1,4.7,8.3,IEF:22.6%;AMZN:22.6%;BND:20.4%;MUB:20.5%;VOO:13.8%,US:63.7;EU:14.6;APAC:13.0;EM:8.7;Other:0.0,Value:+0.5;Growth:-0.6;Quality:+0.4;Size:-0.8;Momentum:+0.2;LowVol:-0.3,MaxPos5%,7,25,4.9,trailing 8%,133,15.7,Volatile,20.2,3.84,2.2,111,-30,25,64,false,NoAction,Within bands; monitor,5,-9,BrokerB,LMT,89,None,None,Normal monitoring,75,-22,88,5,false,Increase defensive factor exposure
P9806,Cautious,IRA,USD,2025-11-17,353078,39934,313144,1.0,43.1,37.6,1.5,17.8,QQQ:29.2%;MUB:29.2%;GLD:12.5%;AMZN:29.2%,US:72.8;EU:11.8;APAC:7.4;EM:7.8;Other:0.2,Value:-0.5;Growth:-1.0;Quality:-0.1;Size:+0.4;Momentum:+0.7;LowVol:+0.2,MaxPos8%;NoMargin,10,35,4.2,trailing 10%,92,13.3,Bear,30.1,3.06,2.2,208,11,41,57,false,Sell,Trim extended winner -1%,-9,11,BrokerD,VWAP,94,None,None,Normal monitoring,-42,-43,4,4,false,Tax-aware sells next window
P9807,Cautious,Roth,USD,2024-11-09,564794,79252,485542,1.0,51.2,31.0,2.8,15.0,MUB:19.0%;VOO:12.0%;VNQ:20.5%;VTI:14.9%;AAPL:20.3%;GLD:13.3%,US:62.0;EU:13.4;APAC:13.0;EM:9.4;Other:2.2,Value:-0.8;Growth:-0.7;Quality:+0.5;Size:+0.5;Momentum:+0.2;LowVol:-0.7,NoMargin,10,30,3.9,trailing 10%,108,14.7,Volatile,22.5,3.94,3.7,123,16,68,62,false,Buy,Add to core equity +1%,-8,4,BrokerD,MKT,93,None,None,Normal monitoring,49,19,108,5,false,Within IPS guidelines
P9808,Hands-off,Trust,USD,2025-02-10,860180,57705,802475,1.0,64.3,28.0,0.0,7.8,TSLA:33.3%;VTI:33.3%;VOO:33.3%,US:73.2;EU:6.2;APAC:12.6;EM:4.7;Other:3.2,Value:-0.0;Growth:+0.4;Quality:-0.1;Size:+0.7;Momentum:-0.4;LowVol:+0.8,MaxPos7%,5,30,4.7,trailing 8%,139,18.9,Bull,16.4,4.62,3.4,72,105,100,46,false,NoAction,Within bands; monitor,3,-27,BrokerA,LMT,92,None,None,Normal monitoring,49,-40,47,3,false,Monitor dispersion and breadth
P9809,Hands-off,IRA,USD,2025-03-29,158374,11545,146829,1.0,66.7,27.9,0.0,5.4,AMZN:27.5%;XLF:27.5%;MSFT:27.5%;MUB:17.5%,US:61.9;EU:15.4;APAC:13.8;EM:7.7;Other:1.3,Value:+0.8;Growth:+0.3;Quality:-0.2;Size:+0.6;Momentum:-0.1;LowVol:-0.4,ESGOnly,7,35,3.4,trailing 8%,151,14.7,Volatile,28.5,4.6,4.3,163,70,75,74,true,Hedge,Buy index puts 1% notional,27,-40,BrokerD,MKT,95,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-20,-47,-31,5,false,Tighten stops on momentum names
P9810,Opportunistic,IRA,USD,2025-01-17,614047,25630,588417,1.0,73.5,15.2,7.3,4.1,VOO:16.7%;VTI:12.3%;VNQ:25.3%;AMZN:25.3%;QQQ:20.4%,US:74.8;EU:8.8;APAC:6.7;EM:8.5;Other:1.2,Value:+0.6;Growth:+0.1;Quality:-0.4;Size:+0.5;Momentum:0.0;LowVol:-0.4,,10,30,6.5,trailing 7%,242,34.6,Volatile,22.6,4.68,2.5,134,40,71,74,true,Hedge,Buy index puts 1% notional,-8,8,BrokerD,MKT,87,VAR>budget,Reduce,Risk above budget threshold,33,-15,127,3,false,Increase defensive factor exposure
P9811,Active,Taxable,USD,2025-08-22,2242224,241452,2000772,1.0,55.8,28.9,10.2,5.1,HYG:25.8%;XLF:17.6%;BND:13.4%;TSLA:17.4%;VTI:25.8%,US:66.3;EU:12.5;APAC:12.0;EM:8.9;Other:0.4,Value:+1.0;Growth:+0.8;Quality:+1.0;Size:-0.0;Momentum:-0.4;LowVol:+0.3,MaxPos8%;NoDerivatives,8,30,4.0,trailing 9%,156,27.3,Bear,27.0,3.11,1.6,139,-68,25,69,false,Sell,Trim extended winner -1%,20,10,BrokerB,LMT,90,None,None,Normal monitoring,93,-60,116,3,false,Within IPS guidelines
P9812,Hands-off,Roth,USD,2025-07-07,530322,50616,479706,1.0,66.3,20.1,8.0,5.6,GLD:21.7%;MUB:18.3%;VTI:15.5%;AMZN:21.7%;TSLA:10.0%;BND:12.9%,US:68.3;EU:11.5;APAC:11.8;EM:6.0;Other:2.3,Value:+0.6;Growth:-0.7;Quality:+0.7;Size:+0.5;Momentum:-0.0;LowVol:+0.9,,8,25,4.8,hard 10%,148,17.3,Sideways,18.6,4.43,3.3,125,54,72,53,true,Reduce,"Cut high-beta by 2-3%, add cash",23,-4,BrokerC,LMT,100,VAR>budget,Reduce,Risk above budget threshold,7,-1,-26,3,false,Increase defensive factor exposure
P9813,Active,401k,USD,2025-03-25,2301204,246680,2054524,1.0,61.2,23.1,8.5,7.2,VNQ:22.0%;GLD:17.9%;HYG:22.0%;TSLA:16.6%;MSFT:12.9%;VOO:8.7%,US:63.8;EU:9.9;APAC:10.6;EM:11.2;Other:4.4,Value:+0.1;Growth:-0.2;Quality:-0.1;Size:+0.2;Momentum:+0.7;LowVol:0.0,,7,25,5.0,hard 12%,153,20.1,Bear,23.3,3.59,1.9,137,4,60,66,false,Buy,Add to core equity +1%,11,-5,BrokerB,LMT,85,None,None,Normal monitoring,78,-43,213,5,false,Tighten stops on momentum names
P9814,Hands-off,Roth,USD,2025-09-04,164700,9879,154821,1.0,57.3,20.5,16.3,5.9,HYG:23.4%;TSLA:14.0%;TLT:15.8%;AMZN:23.4%;IEF:23.4%,US:63.1;EU:8.3;APAC:15.5;EM:10.5;Other:2.7,Value:-0.3;Growth:-1.0;Quality:-0.6;Size:+0.3;Momentum:+0.7;LowVol:-0.3,ESGOnly,8,30,4.0,trailing 8%,159,12.8,Volatile,28.2,5.34,3.8,125,-10,46,75,true,Reduce,"Cut high-beta by 2-3%, add cash",29,-38,BrokerD,VWAP,88,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-35,5,-3,5,false,Increase defensive factor exposure
P9815,Hands-off,Trust,USD,2024-12-13,719808,69417,650391,1.0,64.6,19.4,7.0,9.0,TSLA:16.0%;BRK.B:24.4%;MSFT:17.8%;BND:24.4%;VNQ:17.4%,US:60.3;EU:16.4;APAC:13.3;EM:5.1;Other:4.8,Value:-0.2;Growth:-0.1;Quality:-0.8;Size:-0.7;Momentum:+0.7;LowVol:+0.6,ESGOnly,10,35,4.6,trailing 8%,151,19.4,Sideways,17.7,4.21,2.8,111,30,79,63,false,Sell,Trim extended winner -1%,32,-27,BrokerA,VWAP,100,None,None,Normal monitoring,62,-40,41,3,false,Monitor dispersion and breadth
P9816,Active,401k,USD,2024-07-24,1264810,117217,1147593,1.0,66.8,27.5,0.0,5.6,MUB:16.9%;TSLA:27.7%;QQQ:27.7%;AAPL:27.7%,US:74.5;EU:6.7;APAC:6.9;EM:8.8;Other:3.1,Value:-1.0;Growth:+0.9;Quality:-0.9;Size:+0.5;Momentum:+0.3;LowVol:+0.4,,6,30,4.7,hard 12%,148,16.0,Sideways,15.4,4.71,3.2,137,37,59,40,false,Buy,Add to core equity +1%,3,-25,BrokerB,MKT,94,None,None,Normal monitoring,-12,-33,-7,5,false,Increase defensive factor exposure
P9817,Systematic,Taxable,USD,2024-12-07,558730,42231,516499,1.0,63.1,30.9,0.0,6.1,IEF:20.8%;MUB:9.9%;TSLA:18.2%;QQQ:15.1%;VOO:15.3%;BND:20.8%,US:77.0;EU:13.4;APAC:5.8;EM:3.6;Other:0.2,Value:-0.5;Growth:-0.4;Quality:-0.7;Size:+0.1;Momentum:+0.6;LowVol:+0.1,MaxPos8%;NoDerivatives,8,30,5.3,trailing 9%,127,18.3,Bull,17.6,3.78,2.0,101,26,58,50,true,Hedge,Buy index puts 1% notional,13,-11,BrokerC,LMT,98,VAR>budget,Reduce,Risk above budget threshold,87,-39,113,2,false,Monitor dispersion and breadth
P9818,Hands-off,IRA,USD,2025-02-14,882222,45127,837095,1.0,65.1,26.3,0.0,8.7,AMZN:28.0%;BRK.B:16.1%;MSFT:28.0%;VOO:28.0%,US:68.0;EU:14.8;APAC:12.7;EM:3.8;Other:0.7,Value:-0.3;Growth:-0.7;Quality:+0.1;Size:-0.2;Momentum:-0.0;LowVol:+0.5,,7,30,5.7,trailing 8%,146,19.3,Volatile,31.1,4.01,3.9,116,-34,29,89,true,Hedge,Buy index puts 1% notional,29,-26,BrokerD,MKT,99,Drift>tolerance,Hedge,Allocation drift beyond policy bands,101,-57,104,4,false,Tighten stops on momentum names
P9819,Hands-off,IRA,USD,2025-04-05,598634,52236,546398,1.0,68.1,27.1,0.0,4.7,TSLA:21.0%;BRK.B:19.9%;IEF:17.4%;VOO:20.8%;MSFT:21.0%,US:67.8;EU:11.6;APAC:14.7;EM:3.9;Other:1.9,Value:-0.4;Growth:-0.6;Quality:-0.3;Size:+0.7;Momentum:+0.3;LowVol:+0.3,MaxPos7%;NoDerivatives,5,30,5.4,trailing 8%,99,18.9,Sideways,18.4,3.82,2.0,106,10,50,54,false,NoAction,Within bands; monitor,9,-32,BrokerD,VWAP,88,None,None,Normal monitoring,75,-1,63,3,false,Tax-aware sells next window
P9820,Hands-off,IRA,USD,2024-11-29,614701,50154,564547,1.0,65.4,27.3,0.0,7.3,TSLA:33.3%;QQQ:33.3%;VOO:33.3%,US:72.9;EU:7.2;APAC:6.8;EM:10.3;Other:2.7,Value:-0.0;Growth:-0.7;Quality:+0.8;Size:-0.5;Momentum:+0.7;LowVol:+0.7,,10,25,5.5,trailing 8%,155,12.1,Bull,12.2,4.72,2.7,71,99,100,44,false,Rebalance,Shift +1% to bonds from equity,33,-29,BrokerB,VWAP,86,None,None,Normal monitoring,31,4,166,5,false,Tighten stops on momentum names
P9821,Opportunistic,401k,USD,2024-10-03,1748907,80492,1668415,1.13,62.9,13.8,17.2,6.1,QQQ:22.3%;VTI:10.7%;AAPL:17.6%;BND:8.7%;TLT:18.4%;MUB:22.3%,US:56.1;EU:17.7;APAC:13.4;EM:8.7;Other:4.2,Value:-0.0;Growth:-0.9;Quality:+0.3;Size:-0.1;Momentum:+0.4;LowVol:+0.6,,8,25,4.3,trailing 9%,266,24.9,Bear,34.0,3.72,2.2,200,10,53,95,true,Rebalance,Rebalance back to target bands,23,-36,BrokerD,LMT,94,VAR>budget,Hedge,Risk above budget threshold,112,-16,151,2,false,Within IPS guidelines
P9822,Systematic,Roth,USD,2025-06-17,625952,51963,573989,1.0,62.4,30.8,0.0,6.7,BND:22.4%;VNQ:22.4%;AMZN:8.4%;BRK.B:9.8%;AAPL:14.7%;GLD:22.4%,US:61.4;EU:15.7;APAC:14.5;EM:4.6;Other:3.8,Value:+0.2;Growth:-0.2;Quality:-0.8;Size:-0.2;Momentum:+0.7;LowVol:-0.7,,7,30,4.7,hard 12%,216,20.2,Volatile,24.4,5.45,4.1,136,58,81,56,false,Buy,Add to core equity +1%,-14,-37,BrokerC,MKT,90,None,None,Normal monitoring,83,9,186,3,false,Tax-aware sells next window
P9823,Opportunistic,Trust,USD,2025-01-11,1499821,132190,1367631,1.0,60.6,14.2,19.9,5.3,MSFT:21.0%;QQQ:22.6%;AAPL:22.6%;VNQ:11.2%;XLF:22.6%,US:64.6;EU:18.3;APAC:9.2;EM:5.2;Other:2.7,Value:-0.2;Growth:-0.1;Quality:+0.8;Size:+0.5;Momentum:-0.1;LowVol:-0.8,,6,25,4.8,trailing 7%,217,33.4,Bull,14.1,4.73,2.5,109,89,100,49,false,Rebalance,Shift +1% to bonds from equity,5,-23,BrokerA,LMT,99,None,None,Normal monitoring,43,0,6,3,false,Tax-aware sells next window
P9824,Active,Taxable,USD,2025-07-27,1061853,104648,957205,1.0,59.2,20.8,11.8,8.2,GLD:13.8%;VNQ:20.5%;AMZN:16.4%;VOO:15.4%;VTI:17.3%;HYG:16.5%,US:61.8;EU:12.5;APAC:9.4;EM:12.6;Other:3.6,Value:-0.0;Growth:+0.5;Quality:+0.9;Size:-0.6;Momentum:-0.4;LowVol:+0.9,MaxPos5%,5,25,5.0,trailing 9%,189,20.6,Bull,13.6,4.18,2.0,83,14,52,50,false,Buy,Add to core equity +1%,10,-4,BrokerD,LMT,94,None,None,Normal monitoring,-12,-40,-19,3,false,Tax-aware sells next window
P9825,Active,401k,USD,2024-09-30,2099342,161863,1937479,1.2,57.4,24.7,8.2,9.7,BND:33.3%;HYG:33.3%;AMZN:33.3%,US:77.0;EU:6.9;APAC:10.9;EM:5.0;Other:0.2,Value:-0.4;Growth:+0.4;Quality:+0.5;Size:-0.3;Momentum:+0.9;LowVol:-0.3,,10,35,5.7,trailing 8%,224,20.9,Volatile,20.1,3.8,2.5,113,-10,52,44,false,Buy,Add to core equity +1%,26,-26,BrokerB,MKT,89,None,None,Normal monitoring,84,-23,81,5,false,Tighten stops on momentum names
P9826,Active,Taxable,USD,2025-09-16,2280692,247167,2033525,1.0,51.0,28.0,14.4,6.6,HYG:21.2%;AAPL:22.3%;QQQ:22.3%;BRK.B:15.8%;VNQ:18.3%,US:71.9;EU:8.9;APAC:7.5;EM:9.7;Other:2.1,Value:-0.4;Growth:-0.3;Quality:-0.8;Size:-0.3;Momentum:+0.6;LowVol:-0.8,,6,25,5.7,trailing 8%,155,27.3,Volatile,30.4,5.33,3.5,151,69,86,76,true,Rebalance,Rebalance back to target bands,5,-37,BrokerD,MKT,89,Drift>tolerance,Reduce,Allocation drift beyond policy bands,76,-51,63,4,false,Increase defensive factor exposure
P9827,Hands-off,IRA,USD,2025-08-14,675056,31873,643183,1.0,63.6,27.4,0.0,9.1,VTI:16.8%;MUB:12.3%;TLT:14.4%;GLD:15.1%;VOO:20.7%;HYG:20.7%,US:66.8;EU:10.2;APAC:8.1;EM:9.1;Other:5.7,Value:+0.2;Growth:+0.7;Quality:-1.0;Size:-0.3;Momentum:-0.4;LowVol:-0.3,,5,35,3.4,hard 10%,110,13.2,Bull,13.8,3.96,2.3,84,51,71,53,false,Buy,Add to core equity +1%,21,-36,BrokerA,MKT,94,None,None,Normal monitoring,92,-20,88,5,false,Within IPS guidelines
P9828,Opportunistic,Roth,USD,2025-01-23,1137641,50988,1086653,1.0,73.7,21.5,0.0,4.8,MSFT:26.2%;TLT:21.5%;IEF:26.2%;VTI:26.2%,US:70.0;EU:8.8;APAC:12.8;EM:6.0;Other:2.5,Value:-0.5;Growth:0.0;Quality:+0.4;Size:+0.1;Momentum:+0.1;LowVol:-0.8,,7,25,5.9,trailing 7%,255,30.6,Bull,16.2,4.7,3.2,103,35,81,58,false,Buy,Add to core equity +1%,25,-19,BrokerC,LMT,93,None,None,Normal monitoring,16,-50,5,3,false,Tax-aware sells next window
P9829,Opportunistic,Roth,USD,2025-08-12,317332,25055,292277,1.13,74.7,14.1,4.3,7.0,MSFT:33.3%;BRK.B:33.3%;VTI:33.3%,US:61.5;EU:20.3;APAC:10.6;EM:6.9;Other:0.6,Value:-0.6;Growth:-0.1;Quality:-0.0;Size:+0.3;Momentum:-0.7;LowVol:-0.8,,6,35,5.8,trailing 9%,255,30.8,Sideways,17.1,4.17,3.0,128,12,41,65,false,Buy,Add to core equity +1%,21,-30,BrokerD,MKT,90,None,None,Normal monitoring,85,-36,215,5,false,Within IPS guidelines
P9830,Hands-off,Roth,USD,2025-02-01,690342,68696,621646,1.0,61.8,20.4,11.9,5.9,AAPL:33.3%;BRK.B:33.3%;VOO:33.3%,US:61.7;EU:18.2;APAC:10.8;EM:6.5;Other:2.8,Value:-0.7;Growth:-0.2;Quality:-0.2;Size:+0.6;Momentum:-0.9;LowVol:-0.9,ESGOnly;MaxPos6%,7,30,5.5,trailing 8%,120,14.7,Volatile,28.4,4.12,3.8,175,50,81,78,true,Rebalance,Rebalance back to target bands,-10,-6,BrokerB,VWAP,89,RegimeShift,Reduce,Volatility spike and breadth deterioration,-29,-25,-20,4,false,Tighten stops on momentum names
P9831,Hands-off,IRA,USD,2024-12-07,414458,35754,378704,1.0,58.2,19.9,16.9,5.0,XLF:15.5%;TLT:16.1%;VTI:20.4%;IEF:20.4%;VNQ:7.9%;BRK.B:19.7%,US:64.5;EU:9.5;APAC:13.2;EM:8.3;Other:4.5,Value:-0.8;Growth:+0.1;Quality:-0.5;Size:-1.0;Momentum:-0.5;LowVol:-0.6,ESGOnly;NoDerivatives,7,30,4.8,hard 10%,150,18.9,Sideways,21.8,4.93,2.7,109,25,66,58,false,Rebalance,Shift +1% to bonds from equity,5,7,BrokerB,MKT,97,None,None,Normal monitoring,109,4,129,5,false,Increase defensive factor exposure
P9832,Cautious,Trust,USD,2024-10-20,482046,42230,439816,1.0,50.1,39.8,0.0,10.0,TSLA:13.5%;BRK.B:17.8%;IEF:13.0%;GLD:20.8%;AAPL:14.1%;QQQ:20.8%,US:70.6;EU:12.9;APAC:4.8;EM:11.1;Other:0.6,Value:+0.1;Growth:-0.1;Quality:+0.3;Size:-0.1;Momentum:-0.9;LowVol:-0.1,ESGOnly;NoDerivatives;NoMargin,6,35,4.0,hard 10%,93,18.3,Bull,13.7,3.92,3.2,94,21,53,40,false,Rebalance,Shift +1% to bonds from equity,23,10,BrokerC,MKT,100,None,None,Normal monitoring,-48,-30,6,5,false,Increase defensive factor exposure
P9833,Active,401k,USD,2024-10-16,1766769,179824,1586945,1.0,61.8,30.1,0.0,8.1,GLD:33.3%;XLF:33.3%;TSLA:33.3%,US:67.1;EU:10.5;APAC:10.5;EM:7.8;Other:4.2,Value:-0.5;Growth:0.0;Quality:-0.1;Size:+0.6;Momentum:-0.4;LowVol:-0.5,,10,30,5.8,hard 12%,151,17.1,Bull,14.5,4.48,2.3,111,107,97,44,false,Sell,Trim extended winner -1%,7,-1,BrokerD,LMT,86,None,None,Normal monitoring,51,-9,68,4,false,Tax-aware sells next window
P9834,Hands-off,Trust,USD,2024-09-01,244241,20426,223815,1.0,55.7,28.2,9.8,6.3,AAPL:33.3%;IEF:33.3%;VNQ:33.3%,US:70.7;EU:16.7;APAC:5.3;EM:5.3;Other:2.1,Value:0.0;Growth:+0.7;Quality:+0.4;Size:-0.9;Momentum:-0.4;LowVol:-0.0,,6,35,3.1,trailing 8%,151,14.4,Bull,17.8,4.63,3.0,101,26,67,57,false,Buy,Add to core equity +1%,2,15,BrokerC,LMT,94,None,None,Normal monitoring,-23,-49,-9,4,false,Monitor dispersion and breadth
P9835,Cautious,IRA,USD,2024-07-28,250249,29490,220759,1.0,41.5,32.9,10.8,14.7,VTI:14.3%;BRK.B:24.5%;TSLA:24.5%;VOO:13.4%;MSFT:23.2%,US:70.8;EU:8.2;APAC:9.9;EM:7.2;Other:4.0,Value:+1.0;Growth:-0.8;Quality:-0.3;Size:+0.4;Momentum:-0.1;LowVol:+0.3,MaxPos5%;NoMargin,5,30,5.3,hard 10%,96,18.5,Bear,30.1,3.28,2.8,213,28,73,66,false,Buy,Add to core equity +1%,29,-21,BrokerA,MKT,93,None,None,Normal monitoring,73,-43,193,4,false,Increase defensive factor exposure
P9836,Hands-off,Taxable,USD,2025-11-23,797234,61788,735446,1.0,65.0,22.5,5.2,7.3,BRK.B:27.2%;HYG:18.5%;GLD:27.2%;AAPL:27.2%,US:66.2;EU:10.7;APAC:6.9;EM:11.8;Other:4.3,Value:-0.2;Growth:-0.7;Quality:-0.3;Size:+0.7;Momentum:+0.9;LowVol:+0.7,ESGOnly;NoDerivatives,10,30,4.5,trailing 10%,143,15.4,Bull,12.2,3.93,3.3,103,64,91,39,false,Rebalance,Shift +1% to bonds from equity,-14,4,BrokerB,MKT,90,None,None,Normal monitoring,26,-14,100,4,false,Increase defensive factor exposure
P9837,Active,401k,USD,2025-01-29,2419173,238490,2180683,1.0,58.4,28.7,7.4,5.5,TLT:33.3%;QQQ:33.3%;BND:33.3%,US:71.5;EU:6.6;APAC:12.0;EM:5.7;Other:4.2,Value:-0.8;Growth:-0.7;Quality:-0.3;Size:-0.2;Momentum:-0.7;LowVol:+0.7,,7,25,4.1,hard 12%,124,26.1,Sideways,16.3,3.83,2.9,137,37,74,45,false,Hedge,Add TLT +1% as duration hedge,16,-24,BrokerB,MKT,90,None,None,Normal monitoring,-51,-58,3,5,false,Within IPS guidelines
P9838,Systematic,IRA,USD,2025-03-29,498748,25517,473231,1.0,63.4,21.8,6.3,8.6,XLF:21.4%;VNQ:21.4%;TLT:20.0%;TSLA:16.6%;QQQ:20.5%,US:65.6;EU:10.8;APAC:13.8;EM:9.3;Other:0.5,Value:+0.3;Growth:-0.5;Quality:+0.1;Size:-0.5;Momentum:+0.4;LowVol:-0.2,MaxPos6%;NoDerivatives,8,35,5.7,trailing 9%,207,17.8,Bull,17.7,4.04,3.2,79,91,100,63,false,NoAction,Within bands; monitor,12,-11,BrokerC,LMT,93,None,None,Normal monitoring,23,-33,-4,4,false,Monitor dispersion and breadth
P9839,Opportunistic,Roth,USD,2024-08-08,308431,13598,294833,1.0,62.6,13.0,15.8,8.7,HYG:25.1%;MSFT:29.7%;TLT:15.6%;IEF:29.7%,US:70.7;EU:5.6;APAC:13.0;EM:5.8;Other:4.9,Value:+1.0;Growth:+0.8;Quality:+0.3;Size:-0.5;Momentum:-0.4;LowVol:-0.4,NoDerivatives,7,35,6.6,trailing 7%,228,21.5,Bear,30.4,3.03,1.5,157,-77,10,73,true,Reduce,"Cut high-beta by 2-3%, add cash",-7,-24,BrokerD,VWAP,92,VAR>budget,Pause,Risk above budget threshold,24,0,7,4,false,Within IPS guidelines
P9840,Active,Roth,USD,2024-10-11,1213067,130297,1082770,1.25,55.2,22.1,15.8,6.9,IEF:21.3%;VTI:22.0%;QQQ:22.0%;BRK.B:19.2%;TSLA:15.4%,US:70.0;EU:15.1;APAC:6.1;EM:7.0;Other:1.7,Value:-0.2;Growth:0.0;Quality:-0.3;Size:-0.9;Momentum:+0.8;LowVol:+0.9,,5,35,4.1,hard 12%,227,27.7,Volatile,20.1,5.3,2.4,142,-31,36,54,false,Buy,Add to core equity +1%,21,-35,BrokerD,LMT,89,None,None,Normal monitoring,76,16,142,4,false,Tax-aware sells next window
P9841,Cautious,Roth,USD,2024-11-22,186463,18737,167726,1.0,41.7,42.8,2.8,12.7,TLT:22.2%;AMZN:7.9%;VOO:22.2%;HYG:17.7%;GLD:9.6%;QQQ:20.4%,US:68.0;EU:16.6;APAC:5.2;EM:8.6;Other:1.6,Value:-0.7;Growth:+0.7;Quality:-0.1;Size:+0.4;Momentum:+0.1;LowVol:-0.5,MaxPos5%;NoMargin,10,35,4.6,trailing 8%,101,12.6,Volatile,21.9,4.41,2.7,173,-52,28,46,false,Hedge,Add TLT +1% as duration hedge,-12,-9,BrokerD,LMT,86,None,None,Normal monitoring,95,19,90,5,false,Monitor dispersion and breadth
P9842,Hands-off,Trust,USD,2024-07-06,751027,34182,716845,1.0,72.0,18.9,0.0,9.0,AMZN:21.4%;VOO:14.8%;VNQ:14.6%;MUB:24.5%;TSLA:24.5%,US:61.7;EU:7.4;APAC:15.3;EM:11.4;Other:4.1,Value:-0.7;Growth:-0.4;Quality:-0.6;Size:+1.0;Momentum:-0.5;LowVol:-0.9,MaxPos8%,8,35,3.4,hard 10%,124,16.7,Bull,11.5,4.89,2.4,74,86,87,36,true,Hedge,Buy index puts 1% notional,4,-15,BrokerA,MKT,99,RegimeShift,Hedge,Volatility spike and breadth deterioration,69,-49,153,3,false,Tax-aware sells next window
P9843,Hands-off,Taxable,USD,2024-12-30,795250,66185,729065,1.0,73.6,18.5,0.7,7.2,MUB:25.6%;VTI:25.6%;BND:13.1%;GLD:18.9%;IEF:16.9%,US:62.8;EU:13.8;APAC:13.1;EM:5.6;Other:4.7,Value:-0.2;Growth:+0.1;Quality:-0.3;Size:+0.3;Momentum:-0.2;LowVol:-0.2,ESGOnly;MaxPos6%,8,30,4.4,trailing 8%,150,17.0,Volatile,29.0,4.92,2.3,164,-19,49,88,true,Hedge,Buy index puts 1% notional,-2,-4,BrokerD,MKT,90,Drift>tolerance,Pause,Allocation drift beyond policy bands,-3,-12,96,5,false,Within IPS guidelines
P9844,Active,401k,USD,2024-12-11,2356947,170784,2186163,1.0,56.3,21.7,14.3,7.7,VTI:33.3%;BRK.B:33.3%;AMZN:33.3%,US:62.4;EU:9.7;APAC:13.9;EM:9.7;Other:4.3,Value:+1.0;Growth:+0.2;Quality:-0.3;Size:+0.7;Momentum:+0.6;LowVol:+0.1,MaxPos8%,6,35,4.6,trailing 9%,126,17.9,Bull,16.0,4.42,3.4,89,58,72,39,false,Buy,Add to core equity +1%,-6,-3,BrokerC,MKT,99,None,None,Normal monitoring,25,14,7,3,false,Within IPS guidelines
P9845,Active,401k,USD,2025-10-13,817975,58992,758983,1.0,64.8,26.1,0.0,9.2,BND:15.8%;AMZN:25.0%;GLD:17.3%;VOO:25.0%;BRK.B:16.8%,US:60.1;EU:14.6;APAC:12.7;EM:10.9;Other:1.7,Value:-0.2;Growth:-0.3;Quality:+1.0;Size:+0.1;Momentum:+0.6;LowVol:-0.0,,8,25,4.2,trailing 8%,129,22.2,Sideways,21.8,3.71,2.6,102,-14,52,58,false,Hedge,Add TLT +1% as duration hedge,-7,8,BrokerD,MKT,85,None,None,Normal monitoring,77,6,64,4,false,Within IPS guidelines
P9846,Active,Trust,USD,2025-03-02,2178600,235566,1943034,1.0,51.0,30.1,12.6,6.3,AMZN:33.3%;HYG:33.3%;QQQ:33.3%,US:64.8;EU:12.6;APAC:10.7;EM:10.8;Other:1.0,Value:+1.0;Growth:+0.7;Quality:+0.6;Size:+0.3;Momentum:+0.7;LowVol:-0.5,MaxPos7%,8,35,4.2,hard 12%,181,22.4,Bull,16.9,4.91,2.7,102,7,53,53,true,Reduce,"Cut high-beta by 2-3%, add cash",-15,-25,BrokerC,MKT,100,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-25,17,53,4,false,Within IPS guidelines
P9847,Active,Taxable,USD,2025-12-19,1075527,79015,996512,1.0,53.1,23.5,16.6,6.7,TLT:23.8%;XLF:8.1%;TSLA:20.5%;MSFT:23.8%;MUB:23.8%,US:63.4;EU:17.1;APAC:10.2;EM:8.5;Other:0.8,Value:-0.1;Growth:-0.8;Quality:-0.9;Size:-0.8;Momentum:-0.3;LowVol:-0.3,MaxPos8%;NoDerivatives,5,35,4.6,trailing 9%,204,24.0,Bull,16.0,3.53,2.4,85,38,75,51,false,Buy,Add to core equity +1%,33,-25,BrokerC,LMT,98,None,None,Normal monitoring,-18,-26,34,3,false,Monitor dispersion and breadth
P9848,Active,Roth,USD,2025-07-03,2135951,215335,1920616,1.07,52.9,31.6,8.2,7.4,HYG:8.2%;MSFT:14.6%;BRK.B:10.9%;AAPL:22.1%;MUB:22.1%;VNQ:22.1%,US:66.1;EU:5.3;APAC:13.9;EM:11.4;Other:3.3,Value:-0.5;Growth:-0.9;Quality:+0.2;Size:-0.5;Momentum:+0.2;LowVol:-0.8,NoDerivatives,7,25,4.5,trailing 8%,201,24.9,Sideways,17.9,4.37,2.4,114,53,65,38,false,Hedge,Add TLT +1% as duration hedge,6,-2,BrokerC,MKT,90,None,None,Normal monitoring,-46,2,-73,5,false,Tighten stops on momentum names
P9849,Active,IRA,USD,2025-10-31,1989107,130892,1858215,1.0,56.6,27.2,6.5,9.7,BRK.B:35.9%;BND:28.2%;AAPL:35.9%,US:65.2;EU:6.9;APAC:16.4;EM:7.8;Other:3.7,Value:-0.8;Growth:-0.3;Quality:-0.3;Size:+0.6;Momentum:-0.3;LowVol:+0.3,,7,35,5.8,trailing 8%,220,21.8,Bull,14.5,4.73,2.5,87,83,96,50,false,Buy,Add to core equity +1%,14,-40,BrokerB,MKT,98,None,None,Normal monitoring,23,3,61,5,false,Tax-aware sells next window
P9850,Cautious,401k,USD,2024-12-25,268744,27052,241692,1.0,42.7,30.5,10.8,16.0,VNQ:33.3%;TSLA:33.3%;VOO:33.3%,US:70.3;EU:6.3;APAC:16.0;EM:4.2;Other:3.2,Value:+0.1;Growth:+0.4;Quality:-0.0;Size:+0.8;Momentum:+0.4;LowVol:-0.1,ESGOnly;MaxPos6%;NoMargin,6,25,5.4,hard 10%,103,19.3,Volatile,22.4,4.68,3.5,132,-53,38,52,false,Rebalance,Shift +1% to bonds from equity,-14,-23,BrokerD,VWAP,91,None,None,Normal monitoring,34,7,164,3,false,Monitor dispersion and breadth
P9851,Active,Taxable,USD,2025-07-27,2387508,152393,2235115,1.0,59.5,31.4,2.8,6.3,MSFT:11.3%;BRK.B:11.5%;TSLA:25.7%;QQQ:25.7%;BND:25.7%,US:63.8;EU:17.7;APAC:7.3;EM:8.3;Other:3.0,Value:+0.7;Growth:-0.9;Quality:+0.7;Size:+0.8;Momentum:+1.0;LowVol:-0.9,,8,30,4.8,trailing 9%,217,23.7,Sideways,21.0,3.69,2.8,133,51,83,47,false,Rebalance,Shift +1% to bonds from equity,8,7,BrokerC,LMT,90,None,None,Normal monitoring,119,-28,97,5,false,Tighten stops on momentum names
P9852,Cautious,Trust,USD,2024-10-11,759618,98086,661532,1.0,37.0,44.5,3.9,14.6,QQQ:15.5%;IEF:23.0%;TSLA:22.1%;MUB:16.5%;VNQ:23.0%,US:57.6;EU:19.0;APAC:17.0;EM:3.9;Other:2.5,Value:-0.8;Growth:-0.8;Quality:-0.3;Size:-0.1;Momentum:-0.4;LowVol:-0.7,NoMargin,10,35,3.5,trailing 8%,159,18.8,Bull,12.2,3.62,2.4,107,46,68,26,false,Rebalance,Shift +1% to bonds from equity,25,-33,BrokerB,LMT,95,None,None,Normal monitoring,25,-42,125,4,false,Tighten stops on momentum names
P9853,Active,Taxable,USD,2025-04-11,1848913,149460,1699453,1.0,52.8,26.4,12.5,8.3,GLD:18.4%;BRK.B:18.6%;MUB:14.3%;MSFT:17.5%;VTI:20.5%;QQQ:10.8%,US:71.0;EU:6.1;APAC:14.5;EM:7.1;Other:1.2,Value:-0.9;Growth:+0.5;Quality:+0.7;Size:-0.0;Momentum:+0.2;LowVol:0.0,NoDerivatives,5,30,4.5,hard 12%,131,22.8,Volatile,22.2,5.01,3.7,180,51,65,57,false,Hedge,Add TLT +1% as duration hedge,23,-11,BrokerC,MKT,96,None,None,Normal monitoring,70,-8,43,4,false,Increase defensive factor exposure
P9854,Cautious,Trust,USD,2024-10-29,566699,80709,485990,1.0,52.1,36.3,0.0,11.6,QQQ:25.6%;MSFT:25.6%;VTI:25.6%;TSLA:23.3%,US:69.8;EU:16.4;APAC:6.1;EM:5.8;Other:2.0,Value:+0.3;Growth:-0.1;Quality:-0.0;Size:+0.3;Momentum:-0.9;LowVol:+0.8,ESGOnly;NoDerivatives;NoMargin,5,25,5.7,trailing 10%,107,17.3,Bull,15.3,3.59,2.7,84,31,73,33,true,Hedge,Buy index puts 1% notional,-9,-14,BrokerC,LMT,88,Drift>tolerance,Reduce,Allocation drift beyond policy bands,43,19,91,4,false,Tighten stops on momentum names
P9855,Active,Trust,USD,2025-07-23,1356305,114528,1241777,1.08,58.2,29.7,6.0,6.1,HYG:35.4%;TLT:29.2%;GLD:35.4%,US:68.8;EU:15.9;APAC:7.4;EM:5.9;Other:2.0,Value:-0.7;Growth:-0.5;Quality:-0.4;Size:-0.3;Momentum:+0.1;LowVol:+0.7,,6,35,4.2,trailing 8%,177,21.7,Sideways,14.7,3.98,2.7,136,3,65,36,false,Hedge,Add TLT +1% as duration hedge,8,-2,BrokerA,MKT,93,None,None,Normal monitoring,7,12,79,5,false,Monitor dispersion and breadth
P9856,Opportunistic,Trust,USD,2025-04-13,1075044,71327,1003717,1.21,63.3,13.7,15.5,7.5,MSFT:21.3%;AAPL:16.7%;QQQ:21.3%;GLD:15.9%;VTI:10.8%;TLT:13.9%,US:63.8;EU:10.9;APAC:14.6;EM:6.3;Other:4.4,Value:+0.9;Growth:-0.8;Quality:-0.1;Size:-0.2;Momentum:+0.6;LowVol:+0.1,,5,35,5.9,hard 12%,196,28.7,Bear,23.3,3.15,2.2,158,-53,32,71,true,Rebalance,Rebalance back to target bands,24,5,BrokerD,MKT,89,VAR>budget,Hedge,Risk above budget threshold,15,6,80,3,false,Monitor dispersion and breadth
P9857,Active,401k,USD,2024-10-27,2080405,220792,1859613,1.0,63.0,28.8,0.0,8.2,IEF:35.0%;MSFT:30.0%;VTI:35.0%,US:61.0;EU:14.3;APAC:12.2;EM:10.6;Other:1.9,Value:+0.5;Growth:+0.5;Quality:-0.3;Size:-0.4;Momentum:-0.2;LowVol:+1.0,MaxPos8%,10,30,4.5,hard 12%,158,26.6,Bull,11.1,3.66,2.2,112,25,69,47,false,Rebalance,Shift +1% to bonds from equity,13,0,BrokerA,MKT,88,None,None,Normal monitoring,110,-4,188,5,false,Within IPS guidelines
P9858,Active,Trust,USD,2024-12-17,956020,58481,897539,1.0,52.6,24.9,15.3,7.2,AMZN:25.5%;MSFT:25.5%;HYG:23.4%;TLT:25.5%,US:76.2;EU:7.6;APAC:6.0;EM:8.9;Other:1.2,Value:+0.5;Growth:+0.5;Quality:-0.4;Size:-0.7;Momentum:-0.5;LowVol:+0.1,MaxPos5%;NoDerivatives,8,30,4.7,trailing 9%,141,16.7,Bear,33.7,3.08,2.3,217,-114,5,75,true,Hedge,Buy index puts 1% notional,1,-3,BrokerC,VWAP,100,RegimeShift,Reduce,Volatility spike and breadth deterioration,-51,-2,-22,4,false,Tighten stops on momentum names
P9859,Hands-off,Trust,USD,2025-07-11,337230,21416,315814,1.0,56.8,25.5,9.8,7.9,MUB:15.8%;XLF:24.8%;TSLA:9.9%;BRK.B:24.8%;TLT:24.8%,US:69.9;EU:5.5;APAC:13.6;EM:9.2;Other:1.7,Value:+0.2;Growth:-0.6;Quality:+0.5;Size:0.0;Momentum:+0.4;LowVol:+0.6,MaxPos8%,5,35,5.3,trailing 8%,138,13.3,Volatile,30.2,4.28,4.0,159,-24,32,76,true,Hedge,Buy index puts 1% notional,21,-36,BrokerC,MKT,100,Drift>tolerance,Pause,Allocation drift beyond policy bands,110,1,228,2,false,Increase defensive factor exposure
P9860,Opportunistic,IRA,USD,2024-11-13,517838,43277,474561,1.0,64.7,16.6,14.0,4.6,IEF:33.3%;VTI:33.3%;MUB:33.3%,US:63.9;EU:14.9;APAC:11.3;EM:7.4;Other:2.5,Value:+0.9;Growth:-0.1;Quality:+0.5;Size:-0.5;Momentum:-0.6;LowVol:-0.4,,7,30,5.8,hard 12%,201,31.1,Sideways,14.8,3.8,2.6,104,33,78,49,false,Hedge,Add TLT +1% as duration hedge,8,6,BrokerB,LMT,94,None,None,Normal monitoring,26,-25,130,5,false,Within IPS guidelines
P9861,Opportunistic,Roth,USD,2025-07-20,1527681,127791,1399890,1.0,72.5,11.3,8.7,7.4,AMZN:25.0%;TLT:25.0%;BRK.B:25.0%;VTI:25.0%,US:72.5;EU:8.2;APAC:9.9;EM:6.5;Other:2.9,Value:+0.3;Growth:+0.5;Quality:-0.0;Size:-0.0;Momentum:-1.0;LowVol:+0.7,,7,25,6.0,trailing 7%,278,30.3,Bull,16.0,4.47,3.4,106,28,61,53,false,Buy,Add to core equity +1%,-11,-22,BrokerD,LMT,87,None,None,Normal monitoring,104,-26,225,4,false,Increase defensive factor exposure
P9862,Hands-off,Roth,USD,2025-02-01,498466,23750,474716,1.0,56.2,25.4,10.7,7.7,AAPL:21.4%;MSFT:21.4%;HYG:15.6%;XLF:15.6%;IEF:11.4%;BRK.B:14.7%,US:55.9;EU:18.9;APAC:13.8;EM:8.5;Other:2.9,Value:+0.4;Growth:-0.1;Quality:+0.8;Size:+0.8;Momentum:0.0;LowVol:+1.0,,5,25,4.3,trailing 8%,117,17.5,Volatile,27.3,4.38,3.5,119,-51,17,72,true,Hedge,Buy index puts 1% notional,35,-17,BrokerD,MKT,99,Drift>tolerance,Reduce,Allocation drift beyond policy bands,-50,-42,48,2,false,Increase defensive factor exposure
P9863,Systematic,Taxable,USD,2025-02-25,1292445,70598,1221847,1.0,59.0,34.1,0.0,6.9,MUB:33.3%;QQQ:33.3%;BND:33.3%,US:65.1;EU:14.0;APAC:6.4;EM:9.8;Other:4.7,Value:-0.2;Growth:+0.7;Quality:-0.9;Size:0.0;Momentum:+0.5;LowVol:-0.3,MaxPos8%;NoDerivatives,6,25,4.7,trailing 8%,120,21.8,Bull,11.2,4.08,2.1,81,40,56,45,false,Buy,Add to core equity +1%,26,-5,BrokerA,MKT,95,None,None,Normal monitoring,83,19,122,5,false,Monitor dispersion and breadth
P9864,Cautious,IRA,USD,2025-10-15,896077,89299,806778,1.0,43.6,40.1,0.4,15.9,GLD:20.7%;VTI:11.4%;MSFT:21.1%;QQQ:18.0%;HYG:21.1%;BND:7.6%,US:66.2;EU:13.4;APAC:9.1;EM:6.6;Other:4.7,Value:-0.3;Growth:-0.8;Quality:-0.6;Size:-0.6;Momentum:-0.1;LowVol:-0.3,ESGOnly;NoMargin,7,30,4.6,trailing 8%,142,13.7,Volatile,31.1,4.42,2.4,179,22,46,71,true,Reduce,"Cut high-beta by 2-3%, add cash",2,-18,BrokerD,MKT,97,VAR>budget,Reduce,Risk above budget threshold,-33,-55,-51,2,false,Within IPS guidelines
P9865,Hands-off,Roth,USD,2025-11-10,697466,59053,638413,1.0,71.7,20.6,1.0,6.6,MUB:14.4%;BRK.B:28.5%;GLD:28.5%;MSFT:28.5%,US:65.8;EU:11.7;APAC:10.6;EM:10.3;Other:1.7,Value:-0.7;Growth:+0.3;Quality:+0.2;Size:-0.3;Momentum:-0.8;LowVol:-0.2,ESGOnly;MaxPos6%,8,30,4.6,trailing 8%,155,15.7,Volatile,26.0,5.48,3.6,149,-23,47,65,false,Rebalance,Shift +1% to bonds from equity,10,8,BrokerA,MKT,91,None,None,Normal monitoring,60,19,129,4,false,Increase defensive factor exposure
P9866,Cautious,Roth,USD,2025-04-19,525360,50305,475055,1.0,45.0,36.8,2.1,16.0,AMZN:16.6%;BRK.B:16.9%;VNQ:22.2%;XLF:22.2%;TSLA:22.2%,US:60.6;EU:19.5;APAC:13.2;EM:5.6;Other:1.1,Value:-1.0;Growth:+0.1;Quality:-0.1;Size:+0.8;Momentum:-0.7;LowVol:+0.9,NoMargin,10,25,4.1,trailing 8%,102,13.5,Volatile,22.9,3.69,3.5,142,-28,23,47,false,Buy,Add to core equity +1%,-10,-12,BrokerC,VWAP,92,None,None,Normal monitoring,-12,-50,-42,5,false,Tax-aware sells next window
P9867,Opportunistic,Trust,USD,2025-10-20,1023282,62933,960349,1.0,76.4,17.4,0.0,6.2,XLF:20.9%;HYG:11.8%;AMZN:10.6%;MUB:20.9%;QQQ:18.5%;TSLA:17.1%,US:73.2;EU:7.7;APAC:13.4;EM:4.3;Other:1.4,Value:+0.1;Growth:+0.5;Quality:+0.5;Size:+0.2;Momentum:+0.7;LowVol:+0.8,,5,25,4.2,trailing 7%,278,22.7,Volatile,25.9,4.92,4.4,112,70,82,80,true,Hedge,Buy index puts 1% notional,-14,9,BrokerA,LMT,87,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,37,-11,19,5,false,Tax-aware sells next window
P9868,Active,Taxable,USD,2025-11-06,2154244,145452,2008792,1.0,52.0,21.4,21.1,5.4,VNQ:25.9%;GLD:25.9%;BND:22.3%;TLT:25.9%,US:57.5;EU:15.3;APAC:9.7;EM:12.2;Other:5.3,Value:+0.6;Growth:-0.9;Quality:-0.3;Size:+0.2;Momentum:-0.2;LowVol:+0.5,,10,25,5.1,trailing 9%,218,22.2,Bear,31.2,3.57,2.6,193,13,42,68,false,Rebalance,Shift +1% to bonds from equity,-2,-24,BrokerC,LMT,89,None,None,Normal monitoring,-13,-15,-3,4,false,Tighten stops on momentum names
P9869,Active,Taxable,USD,2025-01-09,1343719,140019,1203700,1.0,55.3,25.6,11.5,7.6,QQQ:18.6%;IEF:17.3%;VTI:19.0%;HYG:14.2%;VOO:8.7%;TLT:22.3%,US:75.4;EU:11.2;APAC:5.7;EM:6.3;Other:1.4,Value:-1.0;Growth:+0.8;Quality:-0.4;Size:-0.1;Momentum:+0.9;LowVol:-0.2,MaxPos6%,6,35,5.4,trailing 8%,222,19.6,Bull,11.1,4.38,2.2,77,103,90,28,false,NoAction,Within bands; monitor,7,-1,BrokerA,LMT,90,None,None,Normal monitoring,-34,-18,-23,4,false,Increase defensive factor exposure
P9870,Cautious,401k,USD,2025-07-11,704160,87637,616523,1.0,46.5,36.2,4.6,12.7,MUB:33.3%;MSFT:33.3%;VTI:33.3%,US:69.0;EU:12.0;APAC:10.2;EM:5.0;Other:3.7,Value:+0.8;Growth:+0.6;Quality:+0.8;Size:-1.0;Momentum:-0.0;LowVol:+0.8,MaxPos5%;NoMargin,5,30,5.2,trailing 8%,121,18.4,Volatile,21.8,5.41,4.2,125,-41,14,49,false,Buy,Add to core equity +1%,6,-16,BrokerB,MKT,90,None,None,Normal monitoring,-33,-46,61,5,false,Tax-aware sells next window
P9871,Opportunistic,401k,USD,2025-11-18,595677,25684,569993,1.0,75.5,13.5,6.3,4.8,AMZN:24.7%;GLD:14.7%;BRK.B:11.1%;XLF:24.7%;VOO:24.7%,US:78.3;EU:6.6;APAC:7.6;EM:5.5;Other:2.0,Value:+0.5;Growth:+0.1;Quality:-1.0;Size:-0.1;Momentum:-0.5;LowVol:-0.1,,10,25,4.6,trailing 7%,178,21.5,Sideways,19.8,4.34,2.5,104,39,79,74,false,Sell,Trim extended winner -1%,-4,-40,BrokerB,MKT,95,None,None,Normal monitoring,52,-30,149,4,false,Within IPS guidelines
P9872,Cautious,IRA,USD,2025-04-06,680093,93369,586724,1.0,49.0,32.9,2.0,16.1,TSLA:22.9%;GLD:19.4%;HYG:18.3%;QQQ:16.4%;TLT:22.9%,US:69.2;EU:17.6;APAC:7.7;EM:4.0;Other:1.5,Value:+0.6;Growth:+0.3;Quality:-0.2;Size:+0.7;Momentum:+1.0;LowVol:+0.7,MaxPos7%;NoMargin,5,35,4.7,trailing 8%,134,16.6,Bear,26.5,3.29,1.0,138,-51,15,55,false,Sell,Trim extended winner -1%,0,-5,BrokerC,VWAP,97,None,None,Normal monitoring,57,-33,178,5,false,Monitor dispersion and breadth
P9873,Systematic,Roth,USD,2025-04-15,1327900,83482,1244418,1.0,60.1,27.7,4.1,8.1,VOO:14.2%;TLT:28.6%;VTI:28.6%;IEF:28.6%,US:66.9;EU:13.4;APAC:13.2;EM:4.1;Other:2.4,Value:+0.1;Growth:+0.3;Quality:-0.5;Size:+0.6;Momentum:-0.7;LowVol:+0.2,NoDerivatives,7,35,5.1,hard 12%,123,23.9,Bear,34.4,3.08,2.7,183,-29,48,86,true,Rebalance,Rebalance back to target bands,-7,-13,BrokerB,MKT,95,Drift>tolerance,Reduce,Allocation drift beyond policy bands,88,-5,199,4,false,Increase defensive factor exposure
P9874,Opportunistic,Taxable,USD,2024-10-19,1064596,44696,1019900,1.0,71.5,15.6,5.7,7.2,VNQ:33.3%;AAPL:33.3%;VTI:33.3%,US:61.3;EU:17.0;APAC:9.6;EM:9.7;Other:2.3,Value:-0.5;Growth:-0.6;Quality:-1.0;Size:+0.5;Momentum:+1.0;LowVol:-0.3,MaxPos5%;NoDerivatives,7,25,7.0,trailing 7%,263,29.9,Bull,17.4,4.31,2.0,84,108,93,67,false,Rebalance,Shift +1% to bonds from equity,5,12,BrokerA,MKT,90,None,None,Normal monitoring,46,11,64,5,false,Tax-aware sells next window
P9875,Active,Taxable,USD,2025-06-06,2330587,174259,2156328,1.0,64.7,24.5,5.2,5.6,BRK.B:23.7%;MSFT:15.0%;MUB:20.2%;HYG:17.4%;GLD:23.7%,US:56.7;EU:18.6;APAC:9.6;EM:9.8;Other:5.3,Value:-0.3;Growth:-0.0;Quality:0.0;Size:-0.5;Momentum:+0.3;LowVol:+0.5,NoDerivatives,6,25,4.6,trailing 9%,209,17.5,Bull,11.4,4.1,2.4,71,103,100,35,false,Hedge,Add TLT +1% as duration hedge,33,-25,BrokerB,LMT,97,None,None,Normal monitoring,-26,14,-57,5,false,Within IPS guidelines
P9876,Hands-off,Roth,USD,2025-02-21,521309,38787,482522,1.0,69.7,17.9,6.7,5.6,MUB:25.5%;VOO:37.2%;VTI:37.2%,US:68.3;EU:16.0;APAC:7.1;EM:6.3;Other:2.2,Value:+0.7;Growth:+0.3;Quality:-0.7;Size:-0.6;Momentum:-0.9;LowVol:-0.1,,5,30,3.1,trailing 8%,136,19.0,Bull,12.9,4.94,2.6,104,8,42,42,false,Buy,Add to core equity +1%,35,-2,BrokerB,LMT,86,None,None,Normal monitoring,118,-14,188,4,false,Monitor dispersion and breadth
P9877,Hands-off,401k,USD,2025-11-19,474780,21678,453102,1.0,60.4,27.4,4.5,7.6,AAPL:28.4%;TSLA:28.4%;GLD:14.7%;MSFT:28.4%,US:73.6;EU:7.0;APAC:8.5;EM:10.5;Other:0.5,Value:-0.3;Growth:+0.9;Quality:-0.3;Size:-0.3;Momentum:0.0;LowVol:-0.8,ESGOnly;NoDerivatives,10,35,6.0,trailing 8%,132,14.2,Bear,29.3,4.06,1.4,180,-33,37,72,true,Rebalance,Rebalance back to target bands,-5,5,BrokerA,MKT,93,Drift>tolerance,Reduce,Allocation drift beyond policy bands,111,-43,177,4,false,Increase defensive factor exposure
P9878,Systematic,Trust,USD,2024-08-23,1872760,108105,1764655,1.0,60.7,30.7,0.0,8.6,XLF:10.9%;BRK.B:21.5%;QQQ:19.2%;MUB:21.5%;TLT:7.2%;AAPL:19.7%,US:68.4;EU:16.8;APAC:6.0;EM:8.8;Other:0.0,Value:0.0;Growth:-0.4;Quality:+0.7;Size:+0.9;Momentum:+0.5;LowVol:+0.8,,6,30,5.6,trailing 8%,197,23.2,Bull,17.1,4.7,2.4,111,61,84,50,false,Rebalance,Shift +1% to bonds from equity,-1,-31,BrokerB,MKT,94,None,None,Normal monitoring,93,-28,126,4,false,Monitor dispersion and breadth
P9879,Hands-off,Taxable,USD,2025-01-16,365960,33165,332795,1.0,66.6,24.6,0.0,8.8,GLD:25.1%;TLT:14.0%;BND:25.1%;TSLA:20.2%;BRK.B:15.5%,US:65.5;EU:16.0;APAC:10.5;EM:3.7;Other:4.3,Value:+0.5;Growth:-0.0;Quality:-0.1;Size:+0.6;Momentum:-0.5;LowVol:-0.0,,7,25,5.3,trailing 8%,130,14.8,Volatile,22.0,5.43,2.4,166,53,76,56,false,Sell,Trim extended winner -1%,-2,-31,BrokerD,MKT,93,None,None,Normal monitoring,8,-14,15,3,false,Within IPS guidelines
P9880,Active,Taxable,USD,2024-12-06,1749929,121404,1628525,1.0,54.5,28.7,9.3,7.5,BND:33.3%;VNQ:33.3%;VOO:33.3%,US:63.3;EU:17.6;APAC:11.6;EM:6.9;Other:0.6,Value:+0.8;Growth:0.0;Quality:-0.2;Size:+0.2;Momentum:-0.4;LowVol:-0.2,NoDerivatives,6,35,5.5,hard 12%,141,20.9,Volatile,31.9,4.42,4.4,149,-19,45,83,true,Reduce,"Cut high-beta by 2-3%, add cash",30,-5,BrokerA,MKT,86,VAR>budget,Reduce,Risk above budget threshold,-2,-41,56,5,false,Increase defensive factor exposure
P9881,Cautious,IRA,USD,2025-05-23,206880,19853,187027,1.0,50.0,35.8,0.0,14.2,AMZN:21.8%;TSLA:15.3%;VOO:21.8%;QQQ:19.2%;HYG:21.8%,US:69.3;EU:14.7;APAC:7.6;EM:6.6;Other:1.7,Value:-0.9;Growth:+0.3;Quality:-0.4;Size:+0.2;Momentum:-0.7;LowVol:+0.9,ESGOnly;NoMargin,7,35,4.3,trailing 8%,115,15.9,Volatile,20.2,4.72,3.1,141,28,53,56,false,Buy,Add to core equity +1%,-3,-3,BrokerD,VWAP,91,None,None,Normal monitoring,39,4,160,3,false,Increase defensive factor exposure
P9882,Active,401k,USD,2025-08-11,1521005,127186,1393819,1.0,67.7,25.4,0.8,6.1,BND:33.3%;XLF:33.3%;AMZN:33.3%,US:64.9;EU:8.3;APAC:13.4;EM:8.9;Other:4.5,Value:-0.5;Growth:-0.6;Quality:-0.7;Size:-0.1;Momentum:+0.1;LowVol:+0.7,,7,25,4.2,trailing 8%,144,20.8,Sideways,15.9,4.59,2.4,118,-27,21,44,true,Hedge,Buy index puts 1% notional,22,10,BrokerC,MKT,98,RegimeShift,Reduce,Volatility spike and breadth deterioration,88,-2,200,4,false,Tighten stops on momentum names
P9883,Systematic,401k,USD,2024-12-21,1261039,110740,1150299,1.0,67.9,22.4,0.0,9.7,VNQ:23.6%;GLD:23.6%;MSFT:23.6%;IEF:10.7%;VOO:18.5%,US:65.2;EU:15.9;APAC:6.8;EM:8.9;Other:3.2,Value:-0.9;Growth:-1.0;Quality:-0.3;Size:0.0;Momentum:-0.6;LowVol:-0.8,MaxPos6%,7,25,4.3,hard 12%,125,26.8,Bull,13.0,3.55,3.3,108,24,62,45,false,Rebalance,Shift +1% to bonds from equity,24,12,BrokerA,LMT,98,None,None,Normal monitoring,46,-1,42,3,false,Monitor dispersion and breadth
P9884,Cautious,401k,USD,2025-09-14,389825,55813,334012,1.0,48.9,39.7,0.0,11.5,HYG:33.3%;IEF:33.3%;AAPL:33.3%,US:64.0;EU:16.3;APAC:6.6;EM:11.4;Other:1.7,Value:-1.0;Growth:-0.6;Quality:+0.4;Size:+0.4;Momentum:-0.5;LowVol:-0.6,NoMargin,6,35,5.8,trailing 8%,150,15.1,Volatile,31.5,4.35,4.0,175,42,64,77,true,Hedge,Buy index puts 1% notional,12,8,BrokerA,LMT,97,Drift>tolerance,Reduce,Allocation drift beyond policy bands,8,6,115,4,false,Increase defensive factor exposure
P9885,Cautious,Roth,USD,2025-01-06,423722,38157,385565,1.0,49.3,35.6,0.0,15.1,VNQ:9.1%;MSFT:20.6%;HYG:14.9%;IEF:19.7%;VTI:20.6%;XLF:15.1%,US:73.4;EU:4.7;APAC:13.0;EM:8.9;Other:0.0,Value:+0.4;Growth:-0.8;Quality:-0.5;Size:-0.2;Momentum:-0.4;LowVol:+0.4,ESGOnly;NoMargin,10,35,3.4,trailing 10%,109,16.8,Bear,31.4,3.47,1.9,147,27,75,64,false,Hedge,Add TLT +1% as duration hedge,9,-16,BrokerD,LMT,98,None,None,Normal monitoring,1,-56,8,5,false,Monitor dispersion and breadth
P9886,Cautious,Roth,USD,2025-08-04,453836,38426,415410,1.0,40.2,37.6,8.0,14.2,VNQ:23.5%;AAPL:9.5%;BND:23.5%;BRK.B:23.5%;HYG:20.0%,US:74.0;EU:7.9;APAC:13.7;EM:2.8;Other:1.7,Value:-0.9;Growth:+0.4;Quality:-0.2;Size:+0.5;Momentum:-0.5;LowVol:+0.3,NoDerivatives;NoMargin,5,25,5.3,trailing 10%,149,12.4,Bear,22.2,3.68,2.9,131,19,66,39,false,Hedge,Add TLT +1% as duration hedge,19,-7,BrokerA,MKT,88,None,None,Normal monitoring,119,-24,204,3,false,Tighten stops on momentum names
P9887,Active,Taxable,USD,2025-05-30,636273,46412,589861,1.19,62.3,27.0,4.7,6.0,BRK.B:15.5%;VTI:17.0%;QQQ:25.1%;IEF:17.2%;MSFT:25.1%,US:61.2;EU:13.8;APAC:14.0;EM:9.0;Other:2.0,Value:-0.4;Growth:-0.0;Quality:+0.3;Size:+1.0;Momentum:0.0;LowVol:-0.2,,10,25,5.3,trailing 9%,208,22.9,Bull,17.6,3.68,3.3,81,22,71,45,false,Rebalance,Shift +1% to bonds from equity,33,-25,BrokerD,LMT,99,None,None,Normal monitoring,45,-6,129,4,false,Tighten stops on momentum names
P9888,Opportunistic,Taxable,USD,2025-06-06,1077408,66568,1010840,1.23,63.5,12.2,18.9,5.4,XLF:18.3%;VOO:27.2%;AMZN:27.2%;VNQ:27.2%,US:75.2;EU:9.3;APAC:7.8;EM:5.9;Other:1.8,Value:-0.9;Growth:+0.6;Quality:+0.3;Size:-0.2;Momentum:+0.3;LowVol:+0.9,,7,25,4.1,hard 12%,170,28.3,Bear,26.3,3.62,1.5,219,38,72,63,false,Sell,Trim extended winner -1%,23,9,BrokerB,LMT,97,None,None,Normal monitoring,-21,3,-34,5,false,Tax-aware sells next window
P9889,Hands-off,IRA,USD,2025-04-22,534123,37364,496759,1.0,55.6,18.2,18.5,7.6,AMZN:36.6%;AAPL:36.6%;VOO:26.9%,US:68.1;EU:13.4;APAC:6.0;EM:8.2;Other:4.4,Value:+1.0;Growth:+0.6;Quality:+0.9;Size:-0.8;Momentum:-0.4;LowVol:-0.7,ESGOnly,8,35,3.6,hard 10%,114,19.2,Bear,32.1,3.79,2.8,204,-95,11,67,false,Hedge,Add TLT +1% as duration hedge,0,-27,BrokerD,MKT,92,None,None,Normal monitoring,49,-26,78,4,false,Tax-aware sells next window
P9890,Opportunistic,Trust,USD,2025-07-05,1264050,41615,1222435,1.0,75.2,13.2,3.0,8.7,BRK.B:22.4%;VTI:22.4%;MUB:20.1%;TSLA:7.4%;IEF:10.3%;QQQ:17.4%,US:68.7;EU:7.5;APAC:11.8;EM:7.1;Other:5.0,Value:+0.8;Growth:+0.4;Quality:0.0;Size:-0.8;Momentum:-0.9;LowVol:-0.9,,5,25,6.6,trailing 9%,216,32.2,Bull,15.7,4.04,3.2,91,79,97,54,false,Sell,Trim extended winner -1%,35,3,BrokerB,MKT,90,None,None,Normal monitoring,63,-38,129,5,false,Within IPS guidelines
P9891,Systematic,Roth,USD,2024-12-22,1613875,81013,1532862,1.0,57.8,27.6,6.4,8.1,MSFT:25.0%;VTI:25.0%;AMZN:25.0%;HYG:25.0%,US:68.4;EU:11.6;APAC:11.2;EM:4.8;Other:3.9,Value:+0.4;Growth:-1.0;Quality:+0.3;Size:+0.3;Momentum:+0.8;LowVol:+0.9,MaxPos6%,5,25,5.1,hard 12%,162,25.0,Bull,11.7,4.34,2.1,109,52,80,28,true,Reduce,"Cut high-beta by 2-3%, add cash",8,6,BrokerA,MKT,89,VAR>budget,Hedge,Risk above budget threshold,-20,-58,52,4,true,Within IPS guidelines
P9892,Active,Trust,USD,2025-02-09,1637926,177124,1460802,1.0,55.7,27.4,7.4,9.5,AAPL:19.6%;GLD:19.8%;MUB:6.2%;XLF:19.6%;VNQ:20.0%;BRK.B:14.7%,US:64.8;EU:19.1;APAC:8.7;EM:4.9;Other:2.5,Value:-0.3;Growth:+0.8;Quality:-0.8;Size:-0.6;Momentum:-0.1;LowVol:+0.3,,10,25,5.6,trailing 8%,132,22.3,Bull,13.7,4.31,2.1,70,92,91,31,true,Rebalance,Rebalance back to target bands,11,6,BrokerA,MKT,95,Drift>tolerance,Reduce,Allocation drift beyond policy bands,51,11,157,3,false,Tax-aware sells next window
P9893,Opportunistic,Roth,USD,2025-04-19,1406270,87199,1319071,1.15,62.0,21.4,11.8,4.9,IEF:35.2%;XLF:35.2%;MUB:29.5%,US:60.6;EU:14.5;APAC:12.1;EM:12.8;Other:0.0,Value:+0.2;Growth:-0.5;Quality:+0.1;Size:-1.0;Momentum:-0.2;LowVol:+0.2,,5,35,5.6,trailing 9%,201,20.0,Bull,13.5,4.52,2.3,85,106,100,43,false,Rebalance,Shift +1% to bonds from equity,-2,5,BrokerB,MKT,90,None,None,Normal monitoring,-53,20,-7,3,false,Tighten stops on momentum names
P9894,Cautious,Taxable,USD,2025-05-29,314310,37417,276893,1.0,53.5,32.5,1.4,12.6,BRK.B:9.1%;BND:17.1%;MUB:15.9%;TSLA:21.4%;GLD:21.4%;TLT:15.1%,US:66.5;EU:6.3;APAC:18.0;EM:6.4;Other:2.8,Value:+0.1;Growth:+0.8;Quality:-0.5;Size:-0.8;Momentum:-0.5;LowVol:-0.2,ESGOnly;MaxPos7%;NoMargin,6,30,3.9,trailing 8%,96,14.6,Bear,29.7,4.24,1.2,168,-10,31,72,true,Rebalance,Rebalance back to target bands,8,4,BrokerA,LMT,97,VAR>budget,TightenStops,Risk above budget threshold,-10,-11,-41,5,false,Monitor dispersion and breadth
P9895,Active,401k,USD,2025-09-18,587236,43458,543778,1.0,53.8,25.9,13.9,6.4,HYG:20.6%;TLT:15.3%;TSLA:19.8%;BND:18.1%;MUB:13.4%;AMZN:12.8%,US:63.6;EU:13.1;APAC:7.7;EM:12.0;Other:3.6,Value:+0.6;Growth:-0.3;Quality:-0.4;Size:+0.8;Momentum:-0.1;LowVol:+1.0,,7,25,4.4,hard 12%,157,21.9,Bull,11.9,4.75,3.1,109,14,48,46,false,Sell,Trim extended winner -1%,29,-17,BrokerC,MKT,97,None,None,Normal monitoring,-24,-49,23,3,false,Within IPS guidelines
P9896,Hands-off,Roth,USD,2024-08-24,800065,76432,723633,1.0,64.6,19.3,6.5,9.6,QQQ:16.3%;VNQ:22.0%;HYG:15.9%;BND:9.0%;XLF:22.0%;VTI:14.8%,US:68.6;EU:14.9;APAC:12.2;EM:2.9;Other:1.4,Value:-0.2;Growth:-0.5;Quality:+0.5;Size:+0.1;Momentum:-0.1;LowVol:-0.1,MaxPos7%,7,30,4.6,trailing 8%,109,16.3,Bear,29.9,3.49,1.3,132,33,53,82,true,Hedge,Buy index puts 1% notional,19,-12,BrokerD,VWAP,95,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-52,-45,73,4,false,Increase defensive factor exposure
P9897,Opportunistic,401k,USD,2025-04-05,1211702,76975,1134727,1.0,60.7,11.2,19.8,8.4,AMZN:33.3%;BND:33.3%;TLT:33.3%,US:67.9;EU:6.3;APAC:14.5;EM:9.6;Other:1.7,Value:-0.5;Growth:+1.0;Quality:-0.4;Size:-0.7;Momentum:-0.9;LowVol:-0.3,NoDerivatives,10,30,5.3,trailing 9%,171,26.8,Sideways,20.1,3.64,2.8,105,-15,39,49,false,Rebalance,Shift +1% to bonds from equity,28,-2,BrokerD,LMT,93,None,None,Normal monitoring,73,1,46,3,false,Tighten stops on momentum names
P9898,Cautious,401k,USD,2025-06-17,379913,59673,320240,1.0,41.2,32.7,14.2,11.9,MSFT:25.0%;TSLA:25.0%;BND:25.0%;QQQ:25.0%,US:73.1;EU:13.5;APAC:7.1;EM:4.1;Other:2.3,Value:-0.7;Growth:-0.4;Quality:-0.1;Size:+0.3;Momentum:+0.6;LowVol:-0.2,NoDerivatives;NoMargin,5,35,4.0,hard 10%,94,19.9,Bull,17.8,4.05,3.0,98,36,76,35,true,Reduce,"Cut high-beta by 2-3%, add cash",-7,6,BrokerA,LMT,86,VAR>budget,Reduce,Risk above budget threshold,-56,1,-72,5,false,Within IPS guidelines
P9899,Hands-off,Taxable,USD,2025-04-16,509978,37862,472116,1.0,64.4,27.9,0.0,7.7,VTI:33.3%;QQQ:33.3%;XLF:33.3%,US:78.3;EU:7.3;APAC:5.9;EM:7.3;Other:1.3,Value:+0.2;Growth:-0.3;Quality:-0.3;Size:-0.3;Momentum:+0.2;LowVol:-0.6,,10,30,5.9,trailing 10%,157,17.1,Sideways,18.1,3.88,2.9,116,59,66,50,false,Hedge,Add TLT +1% as duration hedge,-9,-28,BrokerD,LMT,91,None,None,Normal monitoring,48,5,39,5,false,Increase defensive factor exposure
P9900,Cautious,Trust,USD,2024-11-01,348733,28131,320602,1.0,40.2,40.3,5.6,13.8,IEF:28.8%;AAPL:28.8%;GLD:26.6%;AMZN:15.8%,US:67.5;EU:18.2;APAC:5.4;EM:6.5;Other:2.3,Value:+1.0;Growth:+0.9;Quality:-0.2;Size:-0.9;Momentum:+0.3;LowVol:-0.9,ESGOnly;NoMargin,8,30,5.6,hard 10%,122,14.0,Volatile,28.6,3.51,2.3,111,47,70,69,false,Rebalance,Shift +1% to bonds from equity,-3,9,BrokerB,MKT,88,None,None,Normal monitoring,17,5,110,5,false,Within IPS guidelines
P9901,Systematic,Roth,USD,2024-12-07,1533188,71207,1461981,1.0,63.7,28.8,0.0,7.5,XLF:19.0%;BND:27.2%;IEF:12.0%;VOO:14.5%;HYG:27.2%,US:59.0;EU:13.2;APAC:14.9;EM:12.6;Other:0.3,Value:+0.2;Growth:-0.2;Quality:-0.9;Size:+0.4;Momentum:+0.6;LowVol:+0.1,NoDerivatives,5,35,5.8,trailing 8%,197,24.2,Sideways,18.7,4.51,3.3,99,-17,35,64,false,Buy,Add to core equity +1%,-9,-5,BrokerD,MKT,90,None,None,Normal monitoring,30,-9,82,5,false,Tighten stops on momentum names
P9902,Cautious,Trust,USD,2025-05-14,195341,24813,170528,1.0,45.0,38.4,0.0,16.5,IEF:23.1%;MUB:23.1%;VNQ:23.1%;BRK.B:7.8%;VTI:23.1%,US:67.9;EU:14.6;APAC:7.3;EM:8.1;Other:2.2,Value:+0.1;Growth:-0.9;Quality:-0.9;Size:-0.2;Momentum:-0.4;LowVol:-0.7,ESGOnly;NoDerivatives;NoMargin,6,25,5.5,trailing 8%,97,19.0,Bear,34.0,4.13,2.8,204,22,76,79,true,Hedge,Buy index puts 1% notional,-5,14,BrokerC,MKT,89,VAR>budget,TightenStops,Risk above budget threshold,-12,-56,81,3,false,Within IPS guidelines
P9903,Cautious,401k,USD,2025-03-23,664759,62731,602028,1.0,49.5,31.9,3.8,14.8,TLT:27.7%;IEF:27.7%;TSLA:27.7%;BND:16.9%,US:70.6;EU:4.9;APAC:13.9;EM:6.7;Other:4.0,Value:+0.2;Growth:-0.0;Quality:+0.5;Size:-0.3;Momentum:-0.3;LowVol:+0.9,MaxPos6%;NoMargin,5,25,4.8,hard 10%,146,18.2,Volatile,21.8,4.23,3.4,160,75,80,43,false,NoAction,Within bands; monitor,25,-27,BrokerD,LMT,85,None,None,Normal monitoring,-40,-51,19,5,false,Tax-aware sells next window
P9904,Systematic,IRA,USD,2025-09-27,599067,51921,547146,1.0,55.9,23.6,14.6,5.9,TLT:21.1%;QQQ:10.9%;BND:21.1%;MSFT:21.1%;VTI:10.3%;GLD:15.4%,US:62.5;EU:17.0;APAC:12.1;EM:5.3;Other:3.2,Value:-0.4;Growth:-0.4;Quality:+0.1;Size:+0.4;Momentum:-0.9;LowVol:-0.7,,10,25,5.7,hard 12%,155,19.8,Sideways,18.0,3.6,2.8,112,-13,33,43,false,Sell,Trim extended winner -1%,-10,-9,BrokerB,MKT,98,None,None,Normal monitoring,19,11,57,4,false,Monitor dispersion and breadth
P9905,Cautious,401k,USD,2025-06-10,261191,36378,224813,1.0,38.6,36.6,13.3,11.4,IEF:19.2%;VNQ:20.5%;AMZN:15.9%;TSLA:15.7%;BND:20.5%;VTI:8.1%,US:59.4;EU:19.4;APAC:10.6;EM:8.7;Other:1.8,Value:+0.5;Growth:+0.2;Quality:+0.2;Size:-0.6;Momentum:0.0;LowVol:+0.5,NoMargin,6,35,5.6,trailing 10%,95,15.2,Volatile,21.9,4.39,3.7,157,-59,22,45,true,Reduce,"Cut high-beta by 2-3%, add cash",10,-40,BrokerD,VWAP,85,VAR>budget,Reduce,Risk above budget threshold,57,-56,43,2,false,Monitor dispersion and breadth
P9906,Cautious,Taxable,USD,2024-08-27,389169,43147,346022,1.0,51.7,37.0,0.0,11.2,VNQ:33.3%;TSLA:33.3%;HYG:33.3%,US:70.6;EU:7.6;APAC:12.8;EM:5.4;Other:3.5,Value:-0.5;Growth:-0.5;Quality:-0.1;Size:+0.4;Momentum:-0.8;LowVol:-0.1,ESGOnly;NoDerivatives;NoMargin,10,35,4.6,trailing 10%,162,19.7,Sideways,19.7,4.96,2.2,90,43,64,41,false,Rebalance,Shift +1% to bonds from equity,-10,-20,BrokerD,VWAP,95,None,None,Normal monitoring,66,-21,92,4,false,Monitor dispersion and breadth
P9907,Active,IRA,USD,2025-10-15,2361359,255262,2106097,1.2,54.8,25.3,13.9,6.0,BRK.B:25.0%;VOO:25.0%;TLT:25.0%;AAPL:25.0%,US:62.4;EU:16.4;APAC:12.6;EM:6.1;Other:2.5,Value:-0.7;Growth:+0.3;Quality:-0.3;Size:-0.0;Momentum:+0.8;LowVol:-0.4,NoDerivatives,8,30,4.0,hard 12%,158,21.4,Volatile,22.3,3.59,3.9,161,-50,17,63,false,Hedge,Add TLT +1% as duration hedge,-11,2,BrokerC,VWAP,96,None,None,Normal monitoring,23,-30,91,5,false,Tax-aware sells next window
P9908,Systematic,Roth,USD,2024-12-08,1668309,99628,1568681,1.0,62.2,32.0,0.0,5.8,GLD:20.6%;BND:12.4%;IEF:8.6%;VNQ:18.7%;TLT:18.8%;TSLA:20.9%,US:76.5;EU:7.7;APAC:7.0;EM:6.5;Other:2.1,Value:-0.6;Growth:-0.6;Quality:+0.8;Size:+0.8;Momentum:+0.2;LowVol:+0.8,MaxPos7%,5,30,5.4,trailing 8%,137,17.6,Bear,24.6,4.47,1.5,214,10,64,60,false,Buy,Add to core equity +1%,0,-39,BrokerA,MKT,92,None,None,Normal monitoring,63,-41,78,3,false,Tax-aware sells next window
P9909,Hands-off,IRA,USD,2025-09-24,410870,21034,389836,1.0,60.8,21.7,12.4,5.1,QQQ:26.1%;MSFT:22.9%;XLF:24.9%;GLD:26.1%,US:66.9;EU:15.4;APAC:7.6;EM:8.3;Other:1.8,Value:+0.8;Growth:-0.3;Quality:+0.9;Size:+0.1;Momentum:+0.6;LowVol:-0.4,MaxPos5%,10,30,4.3,trailing 10%,132,13.1,Sideways,16.9,4.0,3.1,114,-24,41,57,false,Rebalance,Shift +1% to bonds from equity,6,12,BrokerD,MKT,94,None,None,Normal monitoring,1,13,-20,5,false,Within IPS guidelines
P9910,Cautious,Trust,USD,2025-08-14,700596,101725,598871,1.0,37.3,39.1,6.2,17.3,GLD:20.7%;BND:18.9%;AAPL:20.8%;MSFT:18.7%;HYG:20.8%,US:60.2;EU:14.2;APAC:13.2;EM:10.5;Other:1.9,Value:-0.9;Growth:+0.7;Quality:+0.7;Size:-0.5;Momentum:-0.4;LowVol:+0.9,ESGOnly;NoMargin,10,35,5.8,hard 10%,161,16.7,Bull,11.2,4.86,3.4,88,113,100,21,false,Rebalance,Shift +1% to bonds from equity,1,15,BrokerA,MKT,96,None,None,Normal monitoring,1,-31,140,5,false,Tighten stops on momentum names
P9911,Cautious,Trust,USD,2025-01-05,684584,71724,612860,1.0,38.2,34.7,14.7,12.4,MUB:26.3%;GLD:26.3%;IEF:21.1%;XLF:26.3%,US:68.7;EU:11.4;APAC:15.2;EM:3.7;Other:0.9,Value:-0.8;Growth:-0.5;Quality:-0.5;Size:-0.3;Momentum:-0.1;LowVol:+0.3,MaxPos7%;NoMargin,10,25,4.5,trailing 8%,133,14.1,Sideways,15.2,3.74,2.5,101,27,64,39,false,Rebalance,Shift +1% to bonds from equity,4,-26,BrokerA,LMT,95,None,None,Normal monitoring,-23,-32,-28,4,false,Within IPS guidelines
P9912,Opportunistic,401k,USD,2025-05-27,1683844,125926,1557918,1.0,77.9,13.9,4.1,4.1,TSLA:33.3%;MUB:33.3%;AMZN:33.3%,US:65.1;EU:16.8;APAC:6.8;EM:7.9;Other:3.3,Value:-0.8;Growth:-1.0;Quality:+0.8;Size:+0.9;Momentum:-0.5;LowVol:+0.8,NoDerivatives,10,30,5.0,trailing 7%,184,22.1,Volatile,22.5,4.9,3.3,160,-45,39,80,true,Reduce,"Cut high-beta by 2-3%, add cash",-6,13,BrokerB,MKT,97,Drift>tolerance,Pause,Allocation drift beyond policy bands,-3,8,84,3,false,Tighten stops on momentum names
P9913,Active,Roth,USD,2024-08-24,1160677,69883,1090794,1.0,63.6,31.3,0.0,5.1,VTI:21.9%;GLD:10.0%;HYG:20.8%;AMZN:16.0%;TSLA:21.9%;QQQ:9.5%,US:64.3;EU:20.4;APAC:9.9;EM:3.5;Other:1.9,Value:0.0;Growth:+0.1;Quality:-0.2;Size:-0.6;Momentum:-0.2;LowVol:+0.7,,6,30,5.2,trailing 8%,165,23.3,Bear,33.6,4.48,2.8,168,-99,10,83,true,Rebalance,Rebalance back to target bands,25,-37,BrokerB,MKT,99,Drift>tolerance,Reduce,Allocation drift beyond policy bands,50,16,167,3,true,Within IPS guidelines
P9914,Opportunistic,401k,USD,2024-08-21,332288,14996,317292,1.0,68.7,18.1,8.7,4.4,HYG:21.2%;XLF:21.4%;VOO:13.0%;TSLA:21.4%;AMZN:11.6%;IEF:11.5%,US:63.4;EU:15.5;APAC:5.9;EM:10.9;Other:4.3,Value:+0.1;Growth:+0.4;Quality:-0.9;Size:+0.3;Momentum:+0.6;LowVol:-0.1,MaxPos5%,5,25,5.0,trailing 7%,280,30.7,Bull,16.3,3.71,3.4,96,62,68,51,false,Rebalance,Shift +1% to bonds from equity,-9,1,BrokerA,LMT,90,None,None,Normal monitoring,48,-1,149,5,false,Tax-aware sells next window
P9915,Active,401k,USD,2025-11-28,1234440,134948,1099492,1.0,64.2,19.1,10.7,6.0,VOO:20.4%;MUB:17.7%;VNQ:20.4%;MSFT:20.4%;AAPL:7.6%;HYG:13.5%,US:66.5;EU:19.6;APAC:7.8;EM:4.8;Other:1.3,Value:+0.8;Growth:-0.9;Quality:-0.6;Size:-0.7;Momentum:+0.7;LowVol:0.0,MaxPos6%;NoDerivatives,8,30,4.8,hard 12%,211,27.0,Bull,15.0,3.78,3.2,79,38,84,58,false,Buy,Add to core equity +1%,21,-13,BrokerD,VWAP,100,None,None,Normal monitoring,-10,-30,-42,4,false,Tighten stops on momentum names
P9916,Hands-off,401k,USD,2025-07-10,607260,39401,567859,1.0,68.3,15.2,6.9,9.7,AMZN:33.3%;VOO:33.3%;AAPL:33.3%,US:69.6;EU:15.0;APAC:11.4;EM:3.4;Other:0.5,Value:-0.7;Growth:-0.1;Quality:-0.3;Size:-0.4;Momentum:-0.7;LowVol:-0.5,MaxPos5%,7,35,5.5,trailing 8%,104,17.0,Bull,12.8,4.86,3.0,110,92,100,42,false,Sell,Trim extended winner -1%,27,13,BrokerC,MKT,99,None,None,Normal monitoring,76,-42,60,3,false,Tax-aware sells next window
P9917,Systematic,Taxable,USD,2025-04-07,1944109,183461,1760648,1.0,61.4,21.4,12.0,5.2,MSFT:27.0%;TSLA:27.0%;BRK.B:27.0%;VNQ:18.9%,US:66.0;EU:13.6;APAC:6.8;EM:12.5;Other:1.2,Value:+0.6;Growth:+0.8;Quality:-0.0;Size:+0.6;Momentum:0.0;LowVol:-0.6,,10,30,5.7,hard 12%,172,22.0,Volatile,23.8,5.26,4.2,141,-57,26,65,false,Sell,Trim extended winner -1%,15,-35,BrokerB,MKT,93,None,None,Normal monitoring,0,-59,46,5,false,Within IPS guidelines
P9918,Opportunistic,Trust,USD,2025-07-20,1160961,100936,1060025,1.18,69.1,19.1,7.2,4.6,QQQ:33.3%;GLD:33.3%;AAPL:33.3%,US:64.7;EU:16.7;APAC:11.2;EM:3.7;Other:3.7,Value:-0.3;Growth:-0.2;Quality:-0.3;Size:+0.5;Momentum:+0.6;LowVol:-0.6,,10,25,5.1,trailing 7%,165,28.5,Volatile,31.4,5.14,2.3,165,-31,44,75,true,Reduce,"Cut high-beta by 2-3%, add cash",2,-30,BrokerA,MKT,96,Drift>tolerance,Hedge,Allocation drift beyond policy bands,61,13,180,4,false,Monitor dispersion and breadth
P9919,Opportunistic,Roth,USD,2024-07-22,417192,32776,384416,1.0,70.1,15.4,8.3,6.2,IEF:33.3%;HYG:33.3%;MSFT:33.3%,US:70.2;EU:6.9;APAC:13.9;EM:7.3;Other:1.7,Value:+0.2;Growth:+0.6;Quality:+0.3;Size:-0.1;Momentum:+0.8;LowVol:-0.2,MaxPos5%;NoDerivatives,10,30,4.3,trailing 7%,185,24.0,Bull,13.9,4.67,2.5,110,90,84,51,true,Hedge,Buy index puts 1% notional,5,-16,BrokerA,MKT,99,RegimeShift,Hedge,Volatility spike and breadth deterioration,-15,8,106,2,false,Increase defensive factor exposure
P9920,Hands-off,401k,USD,2025-04-02,241572,21003,220569,1.0,69.4,23.8,0.0,6.8,BND:27.9%;TSLA:36.0%;MUB:36.0%,US:74.3;EU:8.3;APAC:8.3;EM:7.3;Other:1.8,Value:-0.6;Growth:+0.8;Quality:+0.8;Size:+0.5;Momentum:-0.6;LowVol:-0.1,ESGOnly,10,35,4.3,hard 10%,146,15.8,Bull,14.9,4.74,2.0,106,33,66,58,false,Rebalance,Shift +1% to bonds from equity,21,-23,BrokerA,MKT,88,None,None,Normal monitoring,-36,-56,32,5,false,Monitor dispersion and breadth
P9921,Opportunistic,IRA,USD,2025-07-10,1334069,100901,1233168,1.09,65.8,16.9,12.9,4.4,VOO:26.9%;VNQ:26.9%;TSLA:19.2%;MUB:26.9%,US:64.7;EU:17.0;APAC:12.2;EM:3.0;Other:3.1,Value:+0.6;Growth:-0.7;Quality:+0.2;Size:+0.4;Momentum:-0.7;LowVol:-0.3,MaxPos6%;NoDerivatives,7,25,6.8,trailing 9%,179,23.7,Volatile,26.2,5.39,2.2,146,-42,37,66,true,Hedge,Buy index puts 1% notional,-1,-28,BrokerC,MKT,85,Drift>tolerance,Hedge,Allocation drift beyond policy bands,51,2,85,4,false,Monitor dispersion and breadth
P9922,Hands-off,Roth,USD,2025-11-15,310398,24602,285796,1.0,64.8,23.8,2.1,9.3,TSLA:25.9%;GLD:25.9%;BND:25.9%;MSFT:22.2%,US:68.8;EU:15.4;APAC:6.2;EM:4.7;Other:4.9,Value:+0.3;Growth:+0.7;Quality:-0.3;Size:+0.8;Momentum:+0.1;LowVol:-0.9,ESGOnly,6,25,3.3,trailing 8%,92,12.9,Bull,16.2,4.53,3.0,95,3,65,48,false,Buy,Add to core equity +1%,12,15,BrokerC,VWAP,98,None,None,Normal monitoring,-14,0,62,5,false,Increase defensive factor exposure
P9923,Active,401k,USD,2025-06-27,1101091,77470,1023621,1.22,51.6,23.6,17.4,7.3,VTI:12.6%;AAPL:21.8%;VOO:21.9%;AMZN:21.9%;MSFT:21.9%,US:55.9;EU:18.3;APAC:9.2;EM:11.7;Other:4.9,Value:-1.0;Growth:-0.5;Quality:-0.6;Size:+0.7;Momentum:+0.1;LowVol:+0.4,,7,35,5.6,trailing 8%,193,21.7,Sideways,15.8,4.02,3.2,115,23,52,42,false,Rebalance,Shift +1% to bonds from equity,-14,-3,BrokerB,LMT,87,None,None,Normal monitoring,-20,-29,99,3,false,Tighten stops on momentum names
P9924,Hands-off,Trust,USD,2025-11-21,249854,10317,239537,1.0,65.3,21.3,4.0,9.3,AAPL:18.1%;BRK.B:23.0%;VTI:20.2%;QQQ:15.8%;AMZN:23.0%,US:71.9;EU:12.8;APAC:8.5;EM:6.5;Other:0.4,Value:+0.6;Growth:+1.0;Quality:-0.4;Size:-0.3;Momentum:+0.4;LowVol:+0.7,,8,35,3.5,trailing 8%,118,19.5,Bear,22.4,4.08,2.4,207,-77,15,60,false,Rebalance,Shift +1% to bonds from equity,-9,0,BrokerB,LMT,94,None,None,Normal monitoring,55,-18,70,4,false,Within IPS guidelines
P9925,Active,IRA,USD,2024-09-28,1241933,79018,1162915,1.0,63.8,26.8,0.0,9.5,VTI:26.4%;GLD:26.4%;HYG:20.9%;XLF:26.4%,US:64.7;EU:9.8;APAC:13.0;EM:11.6;Other:0.9,Value:+0.8;Growth:0.0;Quality:+0.9;Size:+0.6;Momentum:+0.1;LowVol:-0.0,MaxPos5%,6,25,5.1,hard 12%,122,27.3,Volatile,22.8,4.83,3.0,157,31,64,57,true,Hedge,Buy index puts 1% notional,-11,-38,BrokerB,LMT,96,VAR>budget,Pause,Risk above budget threshold,72,-27,127,4,false,Within IPS guidelines
P9926,Hands-off,Roth,USD,2025-06-11,409875,21948,387927,1.0,67.2,15.4,10.5,6.9,AAPL:10.8%;HYG:14.9%;MSFT:20.9%;QQQ:12.2%;VNQ:20.9%;BND:20.4%,US:73.5;EU:7.8;APAC:6.5;EM:11.4;Other:0.8,Value:+0.5;Growth:-1.0;Quality:-0.1;Size:-0.7;Momentum:-0.7;LowVol:+0.9,ESGOnly;MaxPos6%,6,25,5.9,trailing 8%,115,17.7,Volatile,20.4,3.58,2.0,128,55,84,66,false,NoAction,Within bands; monitor,20,-2,BrokerB,LMT,86,None,None,Normal monitoring,113,-28,139,3,false,Within IPS guidelines
P9927,Hands-off,Taxable,USD,2024-12-03,150921,7576,143345,1.0,59.5,27.8,6.3,6.4,TLT:26.7%;BRK.B:26.7%;MSFT:26.7%;BND:19.8%,US:74.3;EU:5.0;APAC:9.0;EM:10.9;Other:0.8,Value:+0.4;Growth:-0.3;Quality:-0.5;Size:+0.9;Momentum:-0.1;LowVol:-0.9,MaxPos6%,7,30,5.6,trailing 10%,96,15.5,Sideways,17.9,4.15,3.3,110,13,44,61,false,Rebalance,Shift +1% to bonds from equity,13,1,BrokerC,LMT,92,None,None,Normal monitoring,-2,-4,134,4,false,Tax-aware sells next window
P9928,Opportunistic,401k,USD,2025-02-19,1028172,86196,941976,1.0,65.7,15.0,13.0,6.3,TLT:28.6%;MUB:27.3%;BND:28.6%;BRK.B:15.5%,US:56.6;EU:15.6;APAC:13.9;EM:9.9;Other:4.0,Value:-0.0;Growth:+0.1;Quality:+0.7;Size:+0.9;Momentum:-0.6;LowVol:+0.3,,8,25,6.9,hard 12%,260,27.8,Bear,24.7,4.29,1.5,167,-90,5,76,true,Hedge,Buy index puts 1% notional,3,1,BrokerD,LMT,96,Drift>tolerance,Hedge,Allocation drift beyond policy bands,-6,-37,124,4,false,Tax-aware sells next window
P9929,Opportunistic,Roth,USD,2025-02-21,681887,60325,621562,1.0,74.7,12.4,4.1,8.9,VTI:33.3%;XLF:33.3%;TSLA:33.3%,US:60.6;EU:15.7;APAC:7.9;EM:11.0;Other:4.8,Value:-0.1;Growth:-0.2;Quality:-0.5;Size:+0.6;Momentum:+0.5;LowVol:-0.4,,8,25,6.0,trailing 9%,164,28.3,Bull,14.2,4.28,3.2,104,52,80,49,false,Hedge,Add TLT +1% as duration hedge,-4,1,BrokerA,VWAP,96,None,None,Normal monitoring,-45,-32,49,3,false,Monitor dispersion and breadth
P9930,Opportunistic,Roth,USD,2025-05-09,984549,86884,897665,1.0,70.1,13.9,8.5,7.5,TLT:18.4%;GLD:22.8%;BND:22.8%;QQQ:20.4%;MUB:15.7%,US:64.3;EU:13.3;APAC:10.4;EM:9.1;Other:2.9,Value:-0.5;Growth:-0.2;Quality:-0.1;Size:+0.2;Momentum:+0.3;LowVol:+0.4,,10,30,6.3,trailing 7%,229,20.0,Bear,34.1,3.41,1.2,173,-100,9,83,true,Reduce,"Cut high-beta by 2-3%, add cash",21,8,BrokerC,LMT,89,VAR>budget,Hedge,Risk above budget threshold,15,-26,81,3,false,Tax-aware sells next window
P9931,Systematic,IRA,USD,2025-01-04,1572561,117893,1454668,1.0,67.9,25.1,0.4,6.6,VNQ:14.2%;MSFT:17.0%;IEF:15.2%;AAPL:17.7%;BRK.B:17.7%;AMZN:18.2%,US:65.4;EU:16.4;APAC:8.0;EM:5.2;Other:5.0,Value:-0.3;Growth:-0.4;Quality:-0.7;Size:+0.2;Momentum:0.0;LowVol:0.0,MaxPos5%,8,35,5.1,hard 12%,214,25.1,Bear,29.4,3.52,1.7,208,-99,12,74,true,Rebalance,Rebalance back to target bands,13,-24,BrokerB,LMT,87,Drift>tolerance,Pause,Allocation drift beyond policy bands,-1,-47,-29,5,false,Monitor dispersion and breadth
P9932,Systematic,Trust,USD,2025-06-05,1341516,120928,1220588,1.0,55.1,21.9,14.0,9.0,AMZN:33.3%;MUB:33.3%;BRK.B:33.3%,US:67.2;EU:14.0;APAC:11.7;EM:6.3;Other:0.7,Value:+0.4;Growth:+0.8;Quality:-0.5;Size:+0.1;Momentum:+0.1;LowVol:-0.6,,10,35,4.0,trailing 9%,128,26.6,Volatile,27.5,4.01,4.3,146,78,100,70,false,Buy,Add to core equity +1%,-13,-37,BrokerD,MKT,99,None,None,Normal monitoring,30,-31,-5,5,false,Within IPS guidelines
P9933,Active,IRA,USD,2025-10-19,854448,86424,768024,1.0,51.6,28.2,11.1,9.1,VNQ:20.5%;MUB:17.0%;AMZN:19.0%;TLT:11.3%;TSLA:20.5%;HYG:11.7%,US:63.1;EU:20.0;APAC:8.9;EM:5.2;Other:2.7,Value:-0.7;Growth:-0.3;Quality:+0.5;Size:+0.4;Momentum:+0.9;LowVol:+0.1,MaxPos8%;NoDerivatives,10,30,5.7,hard 12%,225,18.3,Sideways,17.6,3.98,2.7,127,-6,50,43,false,Rebalance,Shift +1% to bonds from equity,31,10,BrokerD,LMT,87,None,None,Normal monitoring,67,-31,84,3,false,Tighten stops on momentum names
P9934,Systematic,IRA,USD,2025-07-16,1790985,72210,1718775,1.0,63.9,29.0,1.4,5.6,TSLA:7.8%;BRK.B:22.0%;VOO:16.1%;HYG:22.0%;TLT:10.2%;AAPL:22.0%,US:68.6;EU:12.4;APAC:8.1;EM:8.1;Other:2.8,Value:-0.7;Growth:+0.9;Quality:-0.9;Size:+0.1;Momentum:+0.8;LowVol:-0.9,NoDerivatives,7,35,5.2,trailing 9%,131,26.5,Volatile,27.0,4.18,2.8,123,-35,32,70,false,Sell,Trim extended winner -1%,30,1,BrokerB,VWAP,91,None,None,Normal monitoring,-25,5,62,5,false,Within IPS guidelines
P9935,Active,401k,USD,2025-12-18,948535,93424,855111,1.0,62.0,29.0,2.4,6.6,AAPL:23.8%;QQQ:8.5%;VNQ:23.8%;TSLA:17.1%;VOO:10.8%;XLF:15.9%,US:57.3;EU:18.7;APAC:9.9;EM:13.2;Other:0.9,Value:-0.8;Growth:+0.1;Quality:+0.2;Size:-0.9;Momentum:+0.8;LowVol:+0.6,MaxPos5%,10,25,5.7,trailing 9%,205,26.7,Volatile,29.1,4.03,4.5,133,2,64,68,false,Buy,Add to core equity +1%,9,-11,BrokerD,LMT,85,None,None,Normal monitoring,-45,1,-61,4,false,Within IPS guidelines
P9936,Opportunistic,Trust,USD,2025-08-28,1663543,82586,1580957,1.25,70.7,21.5,3.7,4.1,VTI:28.6%;XLF:19.7%;IEF:23.0%;TSLA:28.6%,US:64.7;EU:15.7;APAC:9.4;EM:7.1;Other:3.1,Value:+0.5;Growth:+0.3;Quality:+0.3;Size:+0.8;Momentum:-0.2;LowVol:+0.9,,5,30,5.2,hard 12%,189,22.9,Bull,12.6,4.46,2.1,92,76,78,53,false,Sell,Trim extended winner -1%,2,-31,BrokerD,MKT,97,None,None,Normal monitoring,2,-4,47,4,false,Monitor dispersion and breadth
P9937,Cautious,Trust,USD,2025-09-24,323077,38427,284650,1.0,45.8,37.4,4.6,12.2,TLT:16.3%;TSLA:21.1%;VOO:9.6%;XLF:21.1%;VTI:12.1%;MUB:19.9%,US:63.8;EU:17.8;APAC:10.8;EM:3.9;Other:3.6,Value:-0.1;Growth:-0.3;Quality:-0.8;Size:-0.3;Momentum:-0.3;LowVol:-0.7,NoDerivatives;NoMargin,8,25,5.8,trailing 8%,117,13.6,Bull,15.5,4.72,3.1,75,52,85,43,false,Rebalance,Shift +1% to bonds from equity,-12,2,BrokerD,MKT,99,None,None,Normal monitoring,-58,17,-69,4,false,Tighten stops on momentum names
P9938,Cautious,IRA,USD,2025-06-10,504934,76876,428058,1.0,53.4,30.7,0.0,15.8,MUB:21.7%;VTI:21.7%;TLT:21.7%;IEF:16.8%;BRK.B:18.0%,US:63.6;EU:18.7;APAC:12.3;EM:5.0;Other:0.3,Value:-0.6;Growth:+0.7;Quality:-0.2;Size:+0.1;Momentum:-0.0;LowVol:+0.1,NoDerivatives;NoMargin,7,35,4.6,hard 10%,101,19.9,Sideways,15.8,4.31,2.8,93,19,45,36,false,Rebalance,Shift +1% to bonds from equity,23,7,BrokerB,LMT,100,None,None,Normal monitoring,23,-49,90,5,false,Monitor dispersion and breadth
P9939,Cautious,Taxable,USD,2025-04-17,178263,14525,163738,1.0,45.4,34.5,5.5,14.6,AAPL:34.6%;TLT:30.8%;VNQ:34.6%,US:66.4;EU:12.3;APAC:12.4;EM:6.7;Other:2.1,Value:+0.9;Growth:-0.1;Quality:-0.4;Size:-0.2;Momentum:+0.5;LowVol:0.0,MaxPos7%;NoMargin,10,30,4.7,hard 10%,109,15.6,Volatile,28.7,3.7,4.0,178,-16,27,60,false,Buy,Add to core equity +1%,21,-38,BrokerD,LMT,91,None,None,Normal monitoring,52,1,15,3,false,Tax-aware sells next window
P9940,Hands-off,Taxable,USD,2025-02-18,774092,73819,700273,1.0,69.4,18.6,3.0,9.0,VNQ:26.8%;MSFT:19.7%;BRK.B:26.8%;XLF:26.8%,US:58.3;EU:15.6;APAC:14.0;EM:10.0;Other:2.1,Value:+1.0;Growth:+0.1;Quality:+0.9;Size:-0.7;Momentum:+0.9;LowVol:-0.2,MaxPos7%;NoDerivatives,6,30,4.5,trailing 8%,138,17.4,Bull,13.0,4.64,3.2,92,17,73,56,false,Rebalance,Shift +1% to bonds from equity,29,10,BrokerC,LMT,90,None,None,Normal monitoring,-29,-48,58,3,false,Within IPS guidelines
P9941,Active,Taxable,USD,2024-09-10,807923,89286,718637,1.0,59.8,20.1,12.4,7.7,MSFT:21.7%;BRK.B:21.7%;VTI:21.7%;BND:13.1%;MUB:21.7%,US:69.9;EU:14.7;APAC:8.6;EM:6.4;Other:0.4,Value:+0.2;Growth:-0.4;Quality:-0.3;Size:+0.2;Momentum:+0.8;LowVol:-1.0,MaxPos5%,7,25,5.0,hard 12%,185,20.9,Sideways,17.4,4.4,3.2,128,35,77,48,false,Hedge,Add TLT +1% as duration hedge,-9,-25,BrokerD,MKT,94,None,None,Normal monitoring,59,-55,116,4,false,Monitor dispersion and breadth
P9942,Cautious,Taxable,USD,2025-05-10,729856,90578,639278,1.0,38.0,34.3,13.4,14.3,BRK.B:19.6%;AAPL:10.7%;GLD:23.2%;MSFT:23.2%;BND:23.2%,US:67.9;EU:11.3;APAC:12.4;EM:7.6;Other:0.8,Value:-0.4;Growth:-0.2;Quality:-0.1;Size:-0.3;Momentum:+0.4;LowVol:-0.5,ESGOnly;MaxPos7%;NoDerivatives;NoMargin,6,25,5.9,trailing 8%,114,14.1,Sideways,14.4,4.8,2.0,90,43,63,40,false,Buy,Add to core equity +1%,11,-26,BrokerC,MKT,97,None,None,Normal monitoring,110,-35,85,3,false,Monitor dispersion and breadth
P9943,Hands-off,Taxable,USD,2025-10-17,161440,11164,150276,1.0,66.5,24.3,0.0,9.1,BRK.B:25.0%;XLF:25.0%;HYG:25.0%;AAPL:25.0%,US:68.7;EU:6.6;APAC:14.2;EM:6.5;Other:4.0,Value:+0.4;Growth:+0.2;Quality:-0.7;Size:-0.6;Momentum:-0.5;LowVol:-0.6,ESGOnly;MaxPos7%,5,35,5.0,hard 10%,93,13.0,Bear,32.3,4.24,2.9,132,-33,25,80,true,Reduce,"Cut high-beta by 2-3%, add cash",31,-29,BrokerA,MKT,91,Drift>tolerance,Reduce,Allocation drift beyond policy bands,80,8,181,5,false,Tighten stops on momentum names
P9944,Active,401k,USD,2024-07-30,1110325,82082,1028243,1.23,50.8,27.1,13.6,8.5,VNQ:26.2%;TLT:26.2%;XLF:26.2%;VOO:21.3%,US:65.9;EU:17.6;APAC:7.3;EM:6.0;Other:3.3,Value:-0.3;Growth:-0.7;Quality:-0.5;Size:+0.3;Momentum:+0.1;LowVol:-0.1,MaxPos7%,7,30,4.8,trailing 8%,195,24.1,Volatile,31.4,4.6,4.1,146,1,57,68,true,Reduce,"Cut high-beta by 2-3%, add cash",11,-36,BrokerB,MKT,97,Drift>tolerance,Pause,Allocation drift beyond policy bands,105,-2,174,4,false,Tighten stops on momentum names
P9945,Active,Taxable,USD,2024-12-07,676394,43365,633029,1.15,65.0,26.9,0.0,8.1,AMZN:27.5%;MUB:27.5%;BRK.B:26.8%;HYG:18.1%,US:71.3;EU:10.1;APAC:8.7;EM:9.0;Other:0.9,Value:+0.2;Growth:-0.6;Quality:-0.3;Size:+0.4;Momentum:-0.5;LowVol:-0.6,,5,30,4.0,trailing 8%,167,26.8,Bull,13.1,4.36,2.4,99,4,60,55,false,Buy,Add to core equity +1%,27,-24,BrokerD,MKT,93,None,None,Normal monitoring,-44,-59,-80,5,false,Increase defensive factor exposure
P9946,Active,401k,USD,2025-05-02,2173619,152077,2021542,1.0,52.6,20.4,20.7,6.3,BND:33.3%;HYG:33.3%;QQQ:33.3%,US:68.8;EU:8.2;APAC:9.3;EM:10.6;Other:3.0,Value:-0.8;Growth:-0.9;Quality:+1.0;Size:-0.2;Momentum:-0.5;LowVol:+0.3,MaxPos6%;NoDerivatives,10,35,5.1,trailing 8%,218,17.2,Volatile,20.9,4.16,2.7,142,71,91,60,false,Rebalance,Shift +1% to bonds from equity,33,-7,BrokerA,MKT,100,None,None,Normal monitoring,114,-23,92,4,false,Monitor dispersion and breadth
P9947,Active,IRA,USD,2025-04-13,2245710,256524,1989186,1.0,51.9,26.8,11.6,9.7,MUB:9.7%;MSFT:16.8%;VOO:18.0%;GLD:21.0%;VTI:13.9%;XLF:20.6%,US:68.5;EU:14.9;APAC:10.2;EM:3.3;Other:3.0,Value:-0.9;Growth:-0.3;Quality:+0.7;Size:-0.5;Momentum:+1.0;LowVol:-0.7,MaxPos8%,5,35,4.8,trailing 8%,124,27.8,Bull,13.7,4.79,3.1,107,88,100,35,true,Hedge,Buy index puts 1% notional,18,-7,BrokerA,LMT,89,VAR>budget,Reduce,Risk above budget threshold,14,-35,0,4,false,Tighten stops on momentum names
P9948,Opportunistic,Trust,USD,2024-08-29,493390,36287,457103,1.13,63.1,19.1,12.3,5.4,QQQ:33.3%;BRK.B:33.3%;TSLA:33.3%,US:68.2;EU:12.4;APAC:9.2;EM:6.5;Other:3.6,Value:+0.7;Growth:-0.7;Quality:-0.8;Size:+0.7;Momentum:+0.1;LowVol:-0.2,MaxPos7%,6,30,5.5,hard 12%,182,23.0,Bull,12.0,4.94,2.8,98,77,80,33,false,Buy,Add to core equity +1%,1,11,BrokerB,VWAP,89,None,None,Normal monitoring,-30,5,24,3,false,Increase defensive factor exposure
P9949,Opportunistic,IRA,USD,2025-09-18,739503,58703,680800,1.0,74.6,17.1,3.7,4.6,MSFT:23.0%;AAPL:8.1%;MUB:23.0%;VTI:23.0%;XLF:22.9%,US:60.9;EU:14.6;APAC:12.0;EM:8.6;Other:3.9,Value:+0.3;Growth:+0.8;Quality:+0.8;Size:-0.7;Momentum:-0.6;LowVol:-0.9,,7,35,4.6,trailing 9%,263,32.5,Volatile,20.4,4.7,3.6,165,56,79,64,false,Sell,Trim extended winner -1%,29,8,BrokerB,MKT,87,None,None,Normal monitoring,64,-40,114,4,false,Monitor dispersion and breadth
P9950,Active,401k,USD,2025-08-02,1484801,171812,1312989,1.0,68.1,19.5,5.3,7.0,TLT:27.3%;QQQ:24.0%;AMZN:21.3%;MUB:27.3%,US:64.7;EU:15.9;APAC:12.3;EM:3.7;Other:3.4,Value:-0.7;Growth:-0.7;Quality:+0.6;Size:+0.1;Momentum:-1.0;LowVol:+0.8,,6,35,4.6,trailing 8%,177,25.1,Volatile,28.5,3.65,3.3,179,23,56,68,false,Sell,Trim extended winner -1%,29,-30,BrokerD,LMT,91,None,None,Normal monitoring,13,3,146,3,false,Within IPS guidelines
P9951,Cautious,Trust,USD,2025-09-05,370969,55506,315463,1.0,50.9,33.2,3.6,12.4,MUB:12.2%;BND:18.6%;BRK.B:14.9%;VTI:18.1%;XLF:17.6%;AMZN:18.6%,US:70.5;EU:5.4;APAC:8.0;EM:12.5;Other:3.6,Value:+0.3;Growth:+1.0;Quality:+1.0;Size:+0.4;Momentum:+0.2;LowVol:-0.8,ESGOnly;MaxPos7%;NoDerivatives;NoMargin,7,30,6.0,trailing 8%,119,18.0,Bull,15.3,3.65,3.3,70,75,86,44,false,Buy,Add to core equity +1%,-15,-19,BrokerA,MKT,99,None,None,Normal monitoring,-9,-6,9,4,false,Monitor dispersion and breadth
P9952,Hands-off,Trust,USD,2024-11-27,171033,13308,157725,1.0,63.7,26.9,3.2,6.2,BRK.B:33.3%;AAPL:33.3%;IEF:33.3%,US:62.8;EU:15.9;APAC:15.3;EM:3.4;Other:2.7,Value:+0.5;Growth:+0.6;Quality:+0.3;Size:-0.0;Momentum:+0.9;LowVol:+0.9,,7,25,3.1,hard 10%,167,17.4,Bull,16.0,3.69,2.0,92,59,72,41,false,Buy,Add to core equity +1%,4,2,BrokerB,MKT,85,None,None,Normal monitoring,62,-11,125,5,false,Increase defensive factor exposure
P9953,Opportunistic,Roth,USD,2024-08-20,644078,54163,589915,1.0,73.6,15.4,4.2,6.8,HYG:18.7%;VTI:18.0%;BND:21.1%;GLD:21.1%;MUB:21.1%,US:67.9;EU:9.4;APAC:9.2;EM:10.0;Other:3.4,Value:-0.7;Growth:-0.4;Quality:+0.6;Size:+0.7;Momentum:+0.1;LowVol:+0.3,,6,30,6.8,trailing 7%,219,33.0,Bull,13.9,4.68,2.1,85,81,100,46,false,Buy,Add to core equity +1%,27,-11,BrokerD,VWAP,86,None,None,Normal monitoring,-53,-39,27,3,false,Tax-aware sells next window
P9954,Systematic,401k,USD,2025-09-22,1987444,136466,1850978,1.0,62.8,20.1,8.8,8.4,IEF:26.2%;QQQ:26.2%;TLT:26.2%;MSFT:21.4%,US:69.6;EU:12.4;APAC:12.9;EM:2.9;Other:2.3,Value:-0.8;Growth:-0.9;Quality:-0.5;Size:-0.2;Momentum:+0.3;LowVol:-0.5,,5,25,4.6,trailing 9%,171,26.8,Volatile,26.0,5.36,2.5,167,80,100,59,false,Sell,Trim extended winner -1%,-10,10,BrokerC,LMT,96,None,None,Normal monitoring,20,-54,60,3,false,Tighten stops on momentum names
P9955,Hands-off,Trust,USD,2025-12-07,739572,49930,689642,1.0,61.3,24.3,7.0,7.3,XLF:29.5%;VNQ:35.2%;MSFT:35.2%,US:65.1;EU:19.1;APAC:5.6;EM:7.7;Other:2.4,Value:+0.6;Growth:+0.3;Quality:-0.5;Size:-0.8;Momentum:0.0;LowVol:+0.9,ESGOnly;MaxPos8%;NoDerivatives,8,25,4.3,hard 10%,91,18.8,Sideways,20.1,4.84,3.2,122,-29,26,62,false,Rebalance,Shift +1% to bonds from equity,-7,-34,BrokerC,MKT,85,None,None,Normal monitoring,-42,17,9,5,false,Monitor dispersion and breadth
P9956,Cautious,Taxable,USD,2024-09-20,179509,22052,157457,1.0,41.2,42.7,0.0,16.0,HYG:16.1%;VTI:11.4%;VNQ:18.7%;GLD:15.0%;TLT:19.5%;XLF:19.3%,US:65.7;EU:15.4;APAC:8.9;EM:4.6;Other:5.3,Value:+0.9;Growth:-0.2;Quality:-0.4;Size:-0.6;Momentum:+0.2;LowVol:+0.9,ESGOnly;NoMargin,8,25,4.0,trailing 10%,121,16.3,Bear,25.2,3.89,1.5,131,-96,5,45,true,Hedge,Buy index puts 1% notional,5,2,BrokerB,MKT,88,Drift>tolerance,Pause,Allocation drift beyond policy bands,81,-22,81,5,false,Within IPS guidelines
P9957,Opportunistic,Taxable,USD,2024-10-30,978411,42920,935491,1.0,62.3,11.0,20.1,6.7,HYG:26.0%;TSLA:24.2%;VOO:23.9%;AMZN:26.0%,US:59.6;EU:10.7;APAC:16.3;EM:12.7;Other:0.6,Value:-0.6;Growth:+0.6;Quality:+0.5;Size:-0.3;Momentum:-0.9;LowVol:-0.3,,10,35,5.8,hard 12%,205,20.8,Volatile,24.0,4.94,4.4,128,-49,34,75,true,Hedge,Buy index puts 1% notional,6,5,BrokerD,VWAP,92,RegimeShift,TightenStops,Volatility spike and breadth deterioration,72,5,95,5,false,Monitor dispersion and breadth
P9958,Systematic,Trust,USD,2024-12-05,793243,64214,729029,1.0,63.3,29.2,0.0,7.5,MUB:25.0%;AAPL:25.0%;AMZN:25.0%;TLT:25.0%,US:66.2;EU:17.1;APAC:6.5;EM:7.7;Other:2.3,Value:-0.9;Growth:-0.7;Quality:+0.6;Size:+0.5;Momentum:-0.3;LowVol:-0.3,MaxPos8%,10,25,5.4,trailing 8%,196,27.9,Bull,12.4,3.9,3.2,109,1,45,34,false,Rebalance,Shift +1% to bonds from equity,-15,12,BrokerB,MKT,92,None,None,Normal monitoring,104,10,208,5,false,Monitor dispersion and breadth
P9959,Cautious,401k,USD,2024-09-02,726447,105533,620914,1.0,37.0,35.1,13.2,14.7,GLD:33.3%;VNQ:33.3%;VOO:33.3%,US:66.0;EU:17.3;APAC:8.6;EM:7.9;Other:0.1,Value:-0.7;Growth:-0.2;Quality:+0.2;Size:-0.7;Momentum:+0.5;LowVol:-0.3,ESGOnly;NoMargin,5,30,4.4,trailing 8%,105,19.5,Sideways,20.0,4.98,2.1,120,9,53,34,false,Sell,Trim extended winner -1%,9,-15,BrokerB,LMT,94,None,None,Normal monitoring,-5,6,20,3,false,Tax-aware sells next window
P9960,Cautious,401k,USD,2025-08-20,446666,70818,375848,1.0,38.9,35.6,10.8,14.7,BRK.B:15.7%;HYG:16.2%;MSFT:14.8%;TSLA:18.9%;BND:14.4%;TLT:20.1%,US:59.6;EU:18.2;APAC:8.2;EM:9.0;Other:5.0,Value:-0.8;Growth:-0.4;Quality:-0.6;Size:-0.1;Momentum:+0.2;LowVol:-0.9,ESGOnly;NoDerivatives;NoMargin,8,30,5.7,trailing 8%,166,14.9,Bull,13.5,3.69,3.5,117,101,100,31,false,Buy,Add to core equity +1%,22,-15,BrokerD,MKT,93,None,None,Normal monitoring,109,-20,233,4,false,Tighten stops on momentum names
P9961,Hands-off,401k,USD,2025-03-23,584994,40587,544407,1.0,65.5,28.7,0.0,5.7,XLF:34.0%;BND:34.0%;VOO:31.9%,US:58.3;EU:14.5;APAC:14.4;EM:8.2;Other:4.6,Value:-0.4;Growth:-0.5;Quality:-0.2;Size:-0.2;Momentum:+0.2;LowVol:+0.3,ESGOnly,6,35,4.7,hard 10%,103,18.4,Sideways,18.6,4.52,2.1,128,57,76,52,false,NoAction,Within bands; monitor,-15,-1,BrokerB,LMT,90,None,None,Normal monitoring,49,-26,183,3,false,Tighten stops on momentum names
P9962,Systematic,Taxable,USD,2025-11-25,718339,63509,654830,1.0,66.0,21.1,4.7,8.2,VNQ:22.3%;AAPL:22.3%;IEF:15.7%;TSLA:22.3%;VOO:17.2%,US:62.7;EU:15.0;APAC:11.2;EM:7.2;Other:3.9,Value:-0.8;Growth:-1.0;Quality:+0.4;Size:+0.3;Momentum:-0.2;LowVol:+0.7,MaxPos5%,10,25,4.2,trailing 9%,187,24.1,Volatile,20.8,4.2,3.7,142,18,55,59,false,Rebalance,Shift +1% to bonds from equity,20,-36,BrokerB,LMT,92,None,None,Normal monitoring,-47,-1,-53,5,false,Increase defensive factor exposure
P9963,Active,Trust,USD,2024-07-26,1606204,128305,1477899,1.0,66.9,21.4,2.8,9.0,QQQ:33.3%;MUB:33.3%;XLF:33.3%,US:71.9;EU:15.1;APAC:6.9;EM:5.4;Other:0.8,Value:-0.9;Growth:-0.4;Quality:-0.3;Size:+0.3;Momentum:-0.5;LowVol:+0.8,,6,30,6.0,trailing 8%,158,19.0,Sideways,18.6,4.67,2.9,132,35,69,64,false,Buy,Add to core equity +1%,10,1,BrokerC,VWAP,93,None,None,Normal monitoring,-32,-37,-61,3,false,Tax-aware sells next window
P9964,Hands-off,Trust,USD,2024-07-15,631727,47176,584551,1.0,68.5,20.3,5.8,5.3,MSFT:27.3%;BND:27.3%;HYG:27.3%;AMZN:18.0%,US:66.8;EU:8.6;APAC:13.6;EM:8.6;Other:2.4,Value:+0.1;Growth:-0.7;Quality:+0.3;Size:+0.9;Momentum:+0.6;LowVol:-0.1,NoDerivatives,5,25,5.7,hard 10%,94,12.7,Sideways,20.2,4.36,2.9,111,7,45,59,false,Rebalance,Shift +1% to bonds from equity,2,-11,BrokerC,VWAP,85,None,None,Normal monitoring,-44,-37,28,3,false,Tax-aware sells next window
P9965,Cautious,Taxable,USD,2024-12-21,295175,35223,259952,1.0,50.8,38.7,0.0,10.6,VOO:16.7%;AAPL:20.5%;MSFT:19.8%;GLD:8.4%;VTI:21.0%;HYG:13.5%,US:75.0;EU:7.4;APAC:7.7;EM:7.3;Other:2.6,Value:-0.9;Growth:-0.2;Quality:+0.9;Size:-0.8;Momentum:+0.6;LowVol:-0.3,NoMargin,8,35,5.9,trailing 10%,117,14.8,Bull,12.3,4.12,2.9,111,66,92,33,false,Rebalance,Shift +1% to bonds from equity,-11,-23,BrokerD,VWAP,99,None,None,Normal monitoring,10,10,47,4,false,Tax-aware sells next window
P9966,Cautious,Trust,USD,2025-11-15,758051,83565,674486,1.0,46.8,36.1,5.0,12.1,BND:28.2%;MSFT:35.9%;BRK.B:35.9%,US:63.6;EU:16.2;APAC:8.2;EM:6.8;Other:5.1,Value:-0.3;Growth:+0.8;Quality:+0.1;Size:+0.9;Momentum:+0.2;LowVol:-0.7,MaxPos7%;NoDerivatives;NoMargin,6,35,5.2,hard 10%,168,19.3,Bull,11.9,4.64,2.2,105,111,100,33,true,Hedge,Buy index puts 1% notional,-15,8,BrokerC,VWAP,86,RegimeShift,Reduce,Volatility spike and breadth deterioration,19,-53,20,2,true,Tighten stops on momentum names
P9967,Active,Taxable,USD,2025-07-21,1386272,105777,1280495,1.13,56.9,27.0,7.3,8.8,GLD:25.0%;AAPL:25.0%;BND:25.0%;BRK.B:25.0%,US:63.3;EU:17.6;APAC:10.8;EM:3.9;Other:4.5,Value:-0.3;Growth:-0.6;Quality:+0.3;Size:+0.5;Momentum:-0.4;LowVol:+0.1,MaxPos5%,10,30,5.6,trailing 8%,227,26.4,Bear,22.7,3.94,1.3,174,-80,20,58,false,Rebalance,Shift +1% to bonds from equity,21,-12,BrokerC,MKT,97,None,None,Normal monitoring,-42,-57,57,4,false,Tighten stops on momentum names
P9968,Active,Roth,USD,2025-10-28,1962638,199184,1763454,1.0,63.0,22.3,8.7,5.9,VOO:22.9%;BRK.B:26.4%;MSFT:24.3%;BND:26.4%,US:67.6;EU:13.8;APAC:8.9;EM:4.0;Other:5.7,Value:-0.6;Growth:-0.8;Quality:+0.2;Size:-0.9;Momentum:+0.6;LowVol:+0.2,,5,25,5.1,hard 12%,163,24.9,Volatile,22.3,3.6,2.8,161,6,61,60,false,Buy,Add to core equity +1%,-15,6,BrokerD,MKT,94,None,None,Normal monitoring,33,-43,45,4,false,Tax-aware sells next window
P9969,Active,401k,USD,2024-07-29,2346247,240520,2105727,1.0,52.4,22.1,19.8,5.6,VOO:33.3%;AMZN:33.3%;AAPL:33.3%,US:65.5;EU:17.0;APAC:12.0;EM:3.4;Other:2.1,Value:-0.2;Growth:+0.7;Quality:-1.0;Size:-0.1;Momentum:-0.8;LowVol:-0.5,MaxPos6%,10,30,4.3,hard 12%,182,19.8,Bull,17.4,3.57,3.1,80,109,100,39,false,Rebalance,Shift +1% to bonds from equity,0,15,BrokerB,VWAP,98,None,None,Normal monitoring,60,-40,183,5,false,Within IPS guidelines
P9970,Cautious,IRA,USD,2025-04-04,235401,36688,198713,1.0,49.3,34.9,3.7,12.0,VNQ:26.4%;BND:26.4%;IEF:20.7%;XLF:26.4%,US:59.2;EU:18.1;APAC:16.0;EM:5.4;Other:1.2,Value:-0.1;Growth:-0.1;Quality:-0.3;Size:+0.2;Momentum:-0.6;LowVol:+0.6,ESGOnly;MaxPos6%;NoMargin,5,30,5.8,hard 10%,151,16.7,Bear,23.1,4.06,2.6,183,40,78,61,false,Sell,Trim extended winner -1%,-5,-7,BrokerC,MKT,90,None,None,Normal monitoring,-6,-46,109,4,false,Increase defensive factor exposure
P9971,Opportunistic,Roth,USD,2025-04-18,1759019,65829,1693190,1.0,69.4,15.4,9.4,5.8,MSFT:33.3%;BND:33.3%;GLD:33.3%,US:70.7;EU:13.8;APAC:4.8;EM:7.7;Other:3.0,Value:+0.8;Growth:+0.7;Quality:-0.4;Size:-0.1;Momentum:-0.8;LowVol:+0.3,MaxPos6%,7,25,4.0,trailing 9%,182,21.2,Bull,17.7,3.98,3.3,91,84,99,50,false,Buy,Add to core equity +1%,35,-14,BrokerD,MKT,97,None,None,Normal monitoring,40,-51,166,4,false,Tighten stops on momentum names
P9972,Active,IRA,USD,2025-01-11,1849687,137079,1712608,1.0,60.1,19.9,12.5,7.6,GLD:17.9%;QQQ:9.7%;VOO:21.1%;IEF:12.4%;VNQ:17.8%;XLF:21.1%,US:74.3;EU:8.7;APAC:10.8;EM:5.7;Other:0.5,Value:-1.0;Growth:+0.1;Quality:-0.5;Size:-0.7;Momentum:+1.0;LowVol:-0.1,MaxPos5%,10,25,5.7,trailing 8%,126,27.7,Bear,25.3,3.41,1.0,142,-63,17,69,false,Hedge,Add TLT +1% as duration hedge,13,-25,BrokerA,MKT,91,None,None,Normal monitoring,18,-13,133,4,false,Tax-aware sells next window
P9973,Systematic,Roth,USD,2025-04-19,676226,33842,642384,1.0,56.8,33.5,0.0,9.7,IEF:24.1%;AMZN:21.0%;AAPL:24.1%;BRK.B:10.7%;HYG:20.0%,US:68.3;EU:12.3;APAC:9.2;EM:9.7;Other:0.5,Value:+0.9;Growth:-0.6;Quality:-0.7;Size:-0.8;Momentum:-0.7;LowVol:+1.0,MaxPos8%;NoDerivatives,6,35,5.0,trailing 9%,123,17.9,Volatile,29.3,3.67,3.2,145,29,71,62,true,Reduce,"Cut high-beta by 2-3%, add cash",-6,-40,BrokerB,LMT,86,VAR>budget,Hedge,Risk above budget threshold,108,6,162,3,true,Tax-aware sells next window
P9974,Active,IRA,USD,2025-11-11,911365,71974,839391,1.18,67.0,23.7,2.9,6.4,BND:21.2%;MUB:16.3%;IEF:13.6%;MSFT:21.2%;TSLA:6.9%;VNQ:20.8%,US:56.7;EU:14.6;APAC:13.2;EM:11.5;Other:4.0,Value:+0.7;Growth:+0.5;Quality:+0.2;Size:-0.2;Momentum:-0.1;LowVol:+0.6,,8,30,5.7,trailing 8%,174,25.1,Bull,16.0,4.43,3.5,105,71,89,51,false,Sell,Trim extended winner -1%,-5,-13,BrokerB,MKT,93,None,None,Normal monitoring,20,10,-7,3,false,Tax-aware sells next window
P9975,Opportunistic,Trust,USD,2025-01-27,1418292,102804,1315488,1.0,74.8,11.4,9.2,4.6,VTI:17.2%;GLD:20.1%;VOO:13.6%;MSFT:16.4%;MUB:18.5%;VNQ:14.3%,US:68.8;EU:6.8;APAC:9.7;EM:11.1;Other:3.5,Value:+0.1;Growth:+0.9;Quality:+0.9;Size:+0.9;Momentum:+0.7;LowVol:+0.9,,10,25,6.9,trailing 7%,163,30.9,Bull,17.0,4.79,2.5,78,95,84,66,false,Rebalance,Shift +1% to bonds from equity,-7,-5,BrokerD,LMT,100,None,None,Normal monitoring,109,6,182,3,false,Within IPS guidelines
P9976,Active,Roth,USD,2025-09-12,2043768,125431,1918337,1.0,60.1,18.4,12.9,8.6,QQQ:26.5%;IEF:20.4%;VNQ:26.5%;AMZN:26.5%,US:56.8;EU:18.1;APAC:13.9;EM:11.0;Other:0.2,Value:-0.6;Growth:-0.3;Quality:+0.1;Size:-0.5;Momentum:-0.8;LowVol:-1.0,NoDerivatives,10,30,4.6,trailing 9%,217,20.5,Bull,14.7,3.68,2.5,80,100,100,50,false,Rebalance,Shift +1% to bonds from equity,23,0,BrokerD,MKT,96,None,None,Normal monitoring,-57,20,-97,4,false,Within IPS guidelines
P9977,Active,IRA,USD,2025-04-28,1534830,175802,1359028,1.0,63.1,30.1,0.0,6.8,MSFT:25.0%;AAPL:25.0%;IEF:25.0%;QQQ:25.0%,US:69.1;EU:13.7;APAC:9.6;EM:7.0;Other:0.5,Value:-0.4;Growth:+0.4;Quality:+0.2;Size:-1.0;Momentum:-0.0;LowVol:+0.2,NoDerivatives,6,35,5.3,trailing 8%,176,22.9,Bear,34.4,3.47,2.8,192,34,70,76,true,Reduce,"Cut high-beta by 2-3%, add cash",25,-20,BrokerD,MKT,90,Drift>tolerance,Reduce,Allocation drift beyond policy bands,2,-11,122,4,false,Within IPS guidelines
P9978,Opportunistic,IRA,USD,2024-10-14,1243471,110923,1132548,1.0,66.1,12.6,17.0,4.3,HYG:33.3%;GLD:33.3%;BRK.B:33.3%,US:72.3;EU:8.4;APAC:10.1;EM:7.7;Other:1.4,Value:+0.4;Growth:-0.0;Quality:+0.2;Size:+0.3;Momentum:+0.2;LowVol:+0.2,MaxPos7%;NoDerivatives,10,30,5.6,hard 12%,250,34.5,Volatile,23.6,4.17,2.6,150,22,50,73,true,Hedge,Buy index puts 1% notional,1,-2,BrokerC,MKT,95,Drift>tolerance,TightenStops,Allocation drift beyond policy bands,-56,-32,-95,5,false,Tax-aware sells next window
P9979,Active,401k,USD,2025-09-22,2221130,181443,2039687,1.0,51.6,28.1,12.6,7.7,AAPL:33.3%;BRK.B:33.3%;QQQ:33.3%,US:71.1;EU:9.1;APAC:10.2;EM:6.1;Other:3.5,Value:+0.1;Growth:+0.2;Quality:+0.1;Size:-0.4;Momentum:-0.9;LowVol:-0.3,,5,30,5.3,hard 12%,174,21.2,Bull,12.0,3.66,2.7,95,91,82,35,true,Reduce,"Cut high-beta by 2-3%, add cash",18,8,BrokerA,VWAP,96,Drift>tolerance,Hedge,Allocation drift beyond policy bands,117,-1,180,5,false,Within IPS guidelines
P9980,Systematic,Roth,USD,2025-04-15,504830,33069,471761,1.0,67.1,26.1,0.0,6.8,HYG:15.2%;BRK.B:26.6%;XLF:19.3%;GLD:12.4%;MSFT:26.6%,US:65.0;EU:13.0;APAC:9.5;EM:8.6;Other:3.8,Value:-0.1;Growth:+0.9;Quality:+0.7;Size:0.0;Momentum:+0.9;LowVol:+0.8,,5,30,4.7,hard 12%,218,27.3,Bull,18.0,3.74,2.6,85,33,75,46,false,Sell,Trim extended winner -1%,-2,-38,BrokerD,MKT,91,None,None,Normal monitoring,36,-23,10,5,false,Tax-aware sells next window
P9981,Hands-off,401k,USD,2025-07-21,773864,71963,701901,1.0,66.5,20.2,6.2,7.1,QQQ:8.6%;VOO:22.8%;MSFT:13.3%;BND:22.8%;IEF:13.3%;AMZN:19.3%,US:74.8;EU:7.1;APAC:9.1;EM:6.5;Other:2.6,Value:-0.4;Growth:-0.6;Quality:-0.6;Size:+0.5;Momentum:-0.2;LowVol:-0.6,ESGOnly;NoDerivatives,6,35,5.2,hard 10%,107,18.5,Bull,11.9,4.91,3.0,74,3,46,51,true,Hedge,Buy index puts 1% notional,0,-10,BrokerD,VWAP,86,VAR>budget,Reduce,Risk above budget threshold,33,17,57,5,false,Monitor dispersion and breadth
P9982,Hands-off,Roth,USD,2024-10-25,629402,32408,596994,1.0,59.9,19.0,14.7,6.4,BRK.B:23.9%;TSLA:23.9%;VTI:23.9%;HYG:13.4%;AAPL:14.8%,US:57.2;EU:20.1;APAC:9.1;EM:8.8;Other:4.9,Value:-0.7;Growth:+0.8;Quality:-0.7;Size:+0.6;Momentum:+0.8;LowVol:+0.7,,7,30,4.4,hard 10%,156,17.1,Volatile,22.4,4.18,2.6,151,-24,41,53,true,Hedge,Buy index puts 1% notional,30,-27,BrokerC,MKT,94,Drift>tolerance,Reduce,Allocation drift beyond policy bands,116,-51,152,2,false,Monitor dispersion and breadth
P9983,Hands-off,Trust,USD,2024-10-11,822710,46285,776425,1.0,64.0,21.8,9.0,5.1,XLF:27.6%;QQQ:24.5%;MSFT:20.4%;GLD:27.6%,US:59.5;EU:20.5;APAC:8.2;EM:8.0;Other:3.9,Value:-0.5;Growth:-0.7;Quality:+1.0;Size:-0.1;Momentum:+0.4;LowVol:-0.6,,7,25,4.0,hard 10%,131,14.6,Bull,11.2,4.04,2.1,70,96,100,49,false,Rebalance,Shift +1% to bonds from equity,1,-32,BrokerC,MKT,99,None,None,Normal monitoring,-29,-36,-20,5,false,Tax-aware sells next window
P9984,Cautious,Taxable,USD,2025-01-18,374342,38950,335392,1.0,53.1,36.3,0.0,10.6,VTI:33.3%;VOO:33.3%;XLF:33.3%,US:62.6;EU:17.0;APAC:11.7;EM:6.6;Other:2.1,Value:+0.9;Growth:-0.6;Quality:+0.9;Size:0.0;Momentum:+0.9;LowVol:+0.9,ESGOnly;MaxPos8%;NoMargin,7,30,5.5,trailing 8%,113,12.8,Volatile,30.2,4.85,4.5,124,74,88,64,false,Buy,Add to core equity +1%,20,-6,BrokerB,LMT,99,None,None,Normal monitoring,74,-14,47,4,false,Tighten stops on momentum names
P9985,Systematic,Roth,USD,2025-01-05,482257,24000,458257,1.0,62.7,26.0,2.4,8.9,XLF:25.0%;MUB:37.5%;VTI:37.5%,US:63.1;EU:12.8;APAC:15.3;EM:6.5;Other:2.3,Value:+0.8;Growth:-0.2;Quality:-0.8;Size:-0.7;Momentum:-0.7;LowVol:-0.8,,5,25,5.4,trailing 8%,127,23.8,Sideways,15.9,4.74,2.5,94,30,54,41,false,NoAction,Within bands; monitor,29,-9,BrokerB,MKT,0,None,None,Normal monitoring,110,-45,105,3,false,Tighten stops on momentum names
P9986,Cautious,Taxable,USD,2024-11-03,830484,73213,757271,1.0,50.3,34.9,0.0,14.8,TSLA:24.0%;AAPL:24.0%;IEF:24.0%;GLD:19.1%;BND:8.8%,US:64.3;EU:16.1;APAC:11.4;EM:7.9;Other:0.3,Value:-0.1;Growth:+0.8;Quality:-0.8;Size:+0.1;Momentum:-0.6;LowVol:+0.9,ESGOnly;NoDerivatives;NoMargin,10,25,3.6,trailing 10%,149,19.9,Bear,25.2,3.77,1.1,147,-39,44,70,false,Rebalance,Shift +1% to bonds from equity,18,8,BrokerC,MKT,92,None,None,Normal monitoring,-57,10,-66,4,false,Monitor dispersion and breadth
P9987,Systematic,Roth,USD,2024-11-30,1804077,169371,1634706,1.0,58.5,28.3,3.2,10.0,AAPL:21.5%;VTI:18.2%;QQQ:17.3%;VNQ:21.5%;BRK.B:21.5%,US:64.8;EU:13.1;APAC:9.1;EM:11.7;Other:1.3,Value:+0.4;Growth:+0.8;Quality:+0.6;Size:-0.3;Momentum:-0.1;LowVol:-0.2,NoDerivatives,5,30,4.8,trailing 8%,163,24.4,Bear,30.8,3.92,2.1,189,17,55,67,false,Rebalance,Shift +1% to bonds from equity,-14,-39,BrokerA,LMT,88,None,None,Normal monitoring,111,-10,224,4,false,Increase defensive factor exposure
P9988,Hands-off,Trust,USD,2025-07-18,262808,15908,246900,1.0,58.7,21.2,12.6,7.5,XLF:10.4%;QQQ:13.7%;AAPL:20.4%;GLD:20.4%;IEF:17.6%;MUB:17.4%,US:61.6;EU:17.4;APAC:11.7;EM:7.5;Other:1.7,Value:+0.1;Growth:-0.2;Quality:-0.1;Size:+0.5;Momentum:+0.9;LowVol:+0.7,MaxPos8%,10,30,3.5,trailing 8%,100,13.7,Volatile,29.1,4.44,2.3,165,8,39,69,false,Sell,Trim extended winner -1%,26,-16,BrokerB,VWAP,100,None,None,Normal monitoring,-19,-55,74,5,false,Tighten stops on momentum names
P9989,Active,Taxable,USD,2025-07-17,1969864,175452,1794412,1.05,54.7,28.0,9.7,7.6,VTI:33.3%;AMZN:33.3%;VOO:33.3%,US:63.6;EU:18.2;APAC:10.2;EM:5.0;Other:3.0,Value:+0.8;Growth:+1.0;Quality:+0.8;Size:+0.8;Momentum:-0.9;LowVol:+0.7,NoDerivatives,6,30,5.9,hard 12%,207,26.5,Bull,13.1,4.93,3.0,94,82,92,42,false,Rebalance,Shift +1% to bonds from equity,1,-30,BrokerC,MKT,87,None,None,Normal monitoring,-1,-46,91,4,false,Tax-aware sells next window
P9990,Opportunistic,Taxable,USD,2025-09-01,1428091,90643,1337448,1.0,70.6,20.7,2.1,6.7,MSFT:10.4%;MUB:18.4%;VTI:18.1%;BND:13.4%;BRK.B:18.0%;GLD:21.8%,US:64.7;EU:16.0;APAC:10.6;EM:5.2;Other:3.4,Value:-0.6;Growth:-0.6;Quality:+0.9;Size:+0.8;Momentum:+0.3;LowVol:-0.6,MaxPos6%,8,35,6.6,hard 12%,245,28.5,Sideways,16.1,4.09,2.3,115,44,67,48,true,Rebalance,Rebalance back to target bands,30,-36,BrokerA,MKT,95,Drift>tolerance,Hedge,Allocation drift beyond policy bands,12,-26,43,3,false,Monitor dispersion and breadth
P9991,Hands-off,401k,USD,2025-07-23,699682,30715,668967,1.0,71.2,17.7,2.3,8.9,AMZN:38.7%;HYG:38.7%;GLD:22.7%,US:69.2;EU:12.6;APAC:8.7;EM:5.7;Other:3.7,Value:+0.3;Growth:-0.5;Quality:-0.7;Size:+0.6;Momentum:-0.8;LowVol:-0.0,ESGOnly,8,35,5.7,trailing 10%,111,16.5,Sideways,21.7,4.43,2.7,108,16,63,70,false,Buy,Add to core equity +1%,13,-31,BrokerA,MKT,91,None,None,Normal monitoring,61,-57,52,5,false,Within IPS guidelines
P9992,Opportunistic,Roth,USD,2024-10-14,388264,15848,372416,1.0,75.9,10.1,9.7,4.2,MSFT:29.4%;GLD:29.4%;AAPL:24.6%;TLT:16.7%,US:63.1;EU:13.9;APAC:7.1;EM:12.5;Other:3.4,Value:-0.3;Growth:+0.5;Quality:+0.2;Size:+0.8;Momentum:+1.0;LowVol:-1.0,,5,25,5.3,trailing 9%,173,20.8,Bear,23.1,3.82,3.0,145,-87,5,81,true,Rebalance,Rebalance back to target bands,-2,-11,BrokerA,MKT,95,Drift>tolerance,Hedge,Allocation drift beyond policy bands,27,4,104,4,false,Tighten stops on momentum names
P9993,Active,Trust,USD,2025-04-08,2383291,277205,2106086,1.0,63.6,27.1,0.0,9.2,VNQ:14.6%;GLD:11.5%;TSLA:10.7%;MSFT:24.3%;BND:24.3%;IEF:14.6%,US:63.1;EU:16.5;APAC:7.9;EM:7.9;Other:4.6,Value:+0.3;Growth:-0.1;Quality:-0.9;Size:-0.2;Momentum:-0.6;LowVol:+1.0,,10,35,4.5,trailing 8%,172,24.8,Bear,23.0,4.1,2.6,217,21,47,74,true,Hedge,Buy index puts 1% notional,-11,-21,BrokerC,MKT,91,VAR>budget,Pause,Risk above budget threshold,114,-27,132,3,false,Monitor dispersion and breadth
P9994,Opportunistic,Trust,USD,2024-07-23,348667,17519,331148,1.0,69.4,17.7,6.8,6.1,IEF:22.3%;XLF:22.3%;GLD:22.3%;AAPL:14.1%;MSFT:8.5%;BRK.B:10.5%,US:68.1;EU:10.6;APAC:14.1;EM:6.4;Other:0.8,Value:-0.0;Growth:-1.0;Quality:-1.0;Size:+0.1;Momentum:-0.4;LowVol:-0.3,NoDerivatives,7,25,4.8,trailing 9%,249,26.5,Sideways,15.8,3.78,2.3,114,-18,49,57,false,NoAction,Within bands; monitor,22,11,BrokerB,LMT,88,None,None,Normal monitoring,61,-23,185,5,false,Tighten stops on momentum names
P9995,Hands-off,Trust,USD,2025-08-04,167185,10558,156627,1.0,70.0,20.9,0.0,9.1,AMZN:19.9%;VOO:21.0%;MUB:20.6%;BND:21.0%;HYG:17.4%,US:63.2;EU:17.7;APAC:10.7;EM:5.4;Other:3.1,Value:+0.7;Growth:+0.2;Quality:+0.5;Size:-0.6;Momentum:-0.2;LowVol:+0.2,ESGOnly,7,30,5.5,hard 10%,100,15.7,Bull,13.8,4.42,3.5,98,57,76,52,false,Hedge,Add TLT +1% as duration hedge,-2,6,BrokerA,LMT,97,None,None,Normal monitoring,24,-48,46,5,false,Within IPS guidelines
P9996,Cautious,Taxable,USD,2025-06-21,344669,29237,315432,1.0,39.7,33.3,11.1,15.9,HYG:23.7%;XLF:25.4%;AAPL:25.4%;BRK.B:25.4%,US:61.3;EU:14.9;APAC:11.5;EM:7.8;Other:4.5,Value:-0.3;Growth:0.0;Quality:-0.8;Size:+0.9;Momentum:+0.3;LowVol:-0.8,NoMargin,10,25,5.7,trailing 10%,112,19.8,Volatile,27.6,4.12,3.8,137,-24,30,57,false,Rebalance,Shift +1% to bonds from equity,11,-38,BrokerB,LMT,86,None,None,Normal monitoring,33,7,171,5,false,Monitor dispersion and breadth
P9997,Opportunistic,401k,USD,2024-09-12,1652828,63690,1589138,1.0,73.4,16.4,5.2,5.0,AMZN:14.3%;VOO:7.0%;XLF:21.5%;VNQ:21.5%;MSFT:17.2%;AAPL:18.6%,US:64.5;EU:10.2;APAC:12.6;EM:10.4;Other:2.3,Value:-0.1;Growth:+0.4;Quality:-1.0;Size:-0.2;Momentum:-0.6;LowVol:-0.3,NoDerivatives,8,25,4.5,trailing 7%,241,30.1,Sideways,14.5,4.2,2.7,105,-10,53,59,false,Rebalance,Shift +1% to bonds from equity,34,-40,BrokerB,MKT,98,None,None,Normal monitoring,-43,-27,32,5,false,Within IPS guidelines
P9998,Opportunistic,IRA,USD,2024-09-22,840965,44783,796182,1.0,74.0,15.7,4.6,5.7,VNQ:33.3%;TSLA:33.3%;MSFT:33.3%,US:64.1;EU:11.3;APAC:12.8;EM:9.5;Other:2.2,Value:+0.7;Growth:-0.8;Quality:-0.6;Size:-0.6;Momentum:-0.8;LowVol:+0.5,MaxPos8%,7,30,6.7,trailing 7%,262,33.0,Sideways,16.1,3.97,2.4,94,22,58,50,false,Hedge,Add TLT +1% as duration hedge,20,-24,BrokerD,MKT,85,None,None,Normal monitoring,24,-48,120,5,false,Tighten stops on momentum names
P9999,Cautious,IRA,USD,2025-06-01,834877,100156,734721,1.0,36.0,43.3,4.4,16.3,AAPL:27.3%;TLT:27.3%;XLF:27.3%;HYG:18.0%,US:67.9;EU:12.6;APAC:8.4;EM:5.8;Other:5.3,Value:+0.3;Growth:+0.2;Quality:+0.1;Size:+0.2;Momentum:-0.7;LowVol:-0.2,MaxPos5%;NoDerivatives;NoMargin,10,25,4.0,trailing 10%,102,18.0,Bull,17.2,4.45,3.5,80,7,38,42,false,NoAction,Within bands; monitor,33,2,BrokerB,LMT,95,None,None,Normal monitoring,-57,-31,51,4,false,Tighten stops on momentum names
P10000,Opportunistic,401k,USD,2024-08-17,1275682,59108,1216574,1.0,68.3,22.0,2.1,7.7,VTI:33.3%;IEF:33.3%;MUB:33.3%,US:65.6;EU:13.1;APAC:11.6;EM:5.2;Other:4.5,Value:+0.6;Growth:+0.7;Quality:0.0;Size:-0.6;Momentum:+0.5;LowVol:+0.4,,10,30,5.5,trailing 9%,273,27.3,Volatile,23.1,5.17,3.6,115,-1,41,71,true,Rebalance,Rebalance back to target bands,6,-24,BrokerA,LMT,91,VAR>budget,Hedge,Risk above budget threshold,102,19,102,5,false,Within IPS guidelines