client_id
string
persona_style
string
account_type
string
base_currency
string
as_of_date
string
total_equity_usd
int64
cash_usd
int64
invested_usd
int64
leverage_x
float64
allocation_equity_pct
float64
allocation_fixed_income_pct
float64
allocation_alts_pct
float64
allocation_cash_pct
float64
top_positions
string
region_exposure_pct
string
factor_exposure_z
string
constraints
string
max_position_pct
int64
max_sector_pct
int64
drift_tolerance_pct
float64
stoploss_policy
string
risk_budget_var_95_bps
int64
max_drawdown_limit_pct
float64
market_regime
string
vix_level
float64
rates_10y_pct
float64
inflation_yoy_pct
float64
credit_spread_ig_bps
int64
signal_alpha_bps
int64
signal_confidence_1_100
int64
risk_score_1_100
int64
breach_flag
bool
action_proposed
string
action_details
string
expected_impact_alpha_bps
int64
expected_risk_change_bps
int64
execution_venue
string
order_type
string
order_fill_ratio_pct
int64
self_correction_trigger
string
self_correction_action
string
self_correction_reason
string
outcome_after_7d_pnl_bps
int64
outcome_after_7d_var_change_bps
int64
outcome_after_30d_pnl_bps
int64
user_feedback_1_5
int64
advisor_override_flag
bool
notes
string
P1001
Active
IRA
USD
2024-12-14
1,677,253
112,628
1,564,625
1
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
null
null
Normal monitoring
92
-53
64
3
false
Within IPS guidelines
P1002
Hands-off
Taxable
USD
2024-09-02
582,974
40,957
542,017
1
64.7
26.7
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
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
368,043
29,766
338,277
1
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
600,740
56,473
544,267
1
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
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
null
null
Normal monitoring
105
-26
135
5
false
Monitor dispersion and breadth
P1005
Systematic
401k
USD
2024-08-09
1,269,955
81,798
1,188,157
1
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
null
null
Normal monitoring
-38
-53
-7
4
false
Within IPS guidelines
P1006
Cautious
401k
USD
2025-09-30
800,764
89,337
711,427
1
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
null
null
Normal monitoring
-34
0
-22
3
false
Increase defensive factor exposure
P1007
Systematic
Roth
USD
2025-02-02
489,215
29,167
460,048
1
63.3
31.2
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
null
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
null
null
Normal monitoring
-45
-13
76
5
false
Increase defensive factor exposure
P1008
Cautious
401k
USD
2025-01-07
497,161
40,677
456,484
1
42.1
43
1.9
13
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
null
null
Normal monitoring
-37
-57
-74
5
false
Tax-aware sells next window
P1009
Active
IRA
USD
2025-01-14
2,043,187
159,156
1,884,031
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
null
null
Normal monitoring
-3
-54
27
3
false
Tax-aware sells next window
P1010
Opportunistic
IRA
USD
2024-07-17
1,022,821
83,953
938,868
1
76.7
15
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
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
1,140,619
130,079
1,010,540
1
65.1
19
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
null
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
594,349
47,601
546,748
1
71.4
19.2
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
null
7
25
6
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
null
null
Normal monitoring
116
-45
122
5
false
Increase defensive factor exposure
P1013
Hands-off
Trust
USD
2025-06-15
594,572
55,601
538,971
1
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
null
null
Normal monitoring
4
-45
126
4
false
Increase defensive factor exposure
P1014
Opportunistic
Trust
USD
2025-01-27
782,701
66,233
716,468
1
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
2,222,495
196,480
2,026,015
1
59.7
21.6
9.7
9
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
4.62
2.3
114
27
70
57
false
Rebalance
Shift +1% to bonds from equity
14
-38
BrokerA
MKT
99
null
null
Normal monitoring
115
-57
224
4
false
Tax-aware sells next window
P1016
Hands-off
IRA
USD
2025-05-08
645,533
46,191
599,342
1
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
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
null
null
Normal monitoring
17
-25
57
3
false
Tighten stops on momentum names
P1017
Active
Trust
USD
2025-07-31
2,286,806
246,021
2,040,785
1
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
null
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
null
null
Normal monitoring
106
15
243
3
false
Monitor dispersion and breadth
P1018
Systematic
Trust
USD
2025-12-26
1,208,256
100,159
1,108,097
1
58.8
20.7
13.4
7
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
null
null
Normal monitoring
-3
-37
63
3
false
Monitor dispersion and breadth
P1019
Systematic
Roth
USD
2025-09-25
941,957
54,609
887,348
1
64
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
null
null
Normal monitoring
87
-5
115
3
false
Monitor dispersion and breadth
P1020
Systematic
Trust
USD
2024-07-20
589,300
45,057
544,243
1
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
null
null
Normal monitoring
63
-59
98
5
false
Within IPS guidelines
P1021
Active
Taxable
USD
2025-02-17
1,102,399
88,672
1,013,727
1.08
67
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
null
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
null
null
Normal monitoring
34
-30
111
3
false
Increase defensive factor exposure
P1022
Cautious
401k
USD
2025-03-10
200,562
17,420
183,142
1
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
null
null
Normal monitoring
2
-22
-7
5
false
Within IPS guidelines
P1023
Opportunistic
Trust
USD
2025-02-13
1,514,419
57,201
1,457,218
1
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
733,732
58,510
675,222
1
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
3.99
2.6
97
4
47
59
false
Rebalance
Shift +1% to bonds from equity
-14
-6
BrokerD
VWAP
88
null
null
Normal monitoring
-12
-25
55
4
false
Tax-aware sells next window
P1025
Hands-off
Roth
USD
2025-10-24
827,832
80,732
747,100
1
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
null
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
null
null
Normal monitoring
-13
-39
108
3
false
Monitor dispersion and breadth
P1026
Hands-off
IRA
USD
2025-09-24
731,135
64,891
666,244
1
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
4.99
2.1
110
15
61
48
false
Rebalance
Shift +1% to bonds from equity
34
14
BrokerD
MKT
93
null
null
Normal monitoring
115
-28
157
4
false
Monitor dispersion and breadth
P1027
Opportunistic
IRA
USD
2025-03-17
1,215,963
50,086
1,165,877
1
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
835,789
112,644
723,145
1
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
null
null
Normal monitoring
-24
13
57
4
false
Increase defensive factor exposure
P1029
Cautious
Taxable
USD
2025-02-04
238,327
22,997
215,330
1
51
38.7
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
null
null
Normal monitoring
28
9
75
3
false
Tighten stops on momentum names
P1030
Cautious
Trust
USD
2024-09-15
196,754
27,628
169,126
1
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
null
null
Normal monitoring
7
-59
-21
4
false
Monitor dispersion and breadth
P1031
Cautious
Roth
USD
2025-05-15
331,793
35,280
296,513
1
36
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
null
null
Normal monitoring
-5
-33
103
4
false
Within IPS guidelines
P1032
Opportunistic
IRA
USD
2025-11-14
1,740,091
152,850
1,587,241
1.23
71.8
16.4
3
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
null
6
25
4.5
trailing 7%
181
23
Sideways
15.4
4.74
2.1
139
6
59
48
false
Buy
Add to core equity +1%
9
-21
BrokerD
MKT
98
null
null
Normal monitoring
-34
-46
73
4
false
Within IPS guidelines
P1033
Hands-off
Trust
USD
2025-06-14
738,049
33,821
704,228
1
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
896,936
83,682
813,254
1
43.7
40.9
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
null
null
Normal monitoring
84
-43
212
3
false
Tighten stops on momentum names
P1035
Active
Roth
USD
2025-09-04
817,992
72,354
745,638
1
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
null
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
1,577,944
55,273
1,522,671
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
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
1,910,145
141,941
1,768,204
1
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
1,349,229
132,646
1,216,583
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
71
68
73
41
false
Sell
Trim extended winner -1%
23
-8
BrokerD
MKT
96
null
null
Normal monitoring
58
-53
160
4
false
Increase defensive factor exposure
P1039
Cautious
401k
USD
2025-03-17
527,021
50,565
476,456
1
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
null
null
Normal monitoring
38
-49
145
5
false
Within IPS guidelines
P1040
Hands-off
Taxable
USD
2025-04-22
477,192
31,688
445,504
1
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
480,498
69,046
411,452
1
47.1
40.9
0
12
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
null
null
Normal monitoring
114
-32
161
3
false
Increase defensive factor exposure
P1042
Opportunistic
Trust
USD
2025-05-25
845,029
36,318
808,711
1.09
73.4
21
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
865,646
89,420
776,226
1
49.5
37.7
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
578,788
31,939
546,849
1
71.2
15.8
6
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
1,484,732
99,716
1,385,016
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
null
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
null
null
Normal monitoring
-13
9
47
3
false
Increase defensive factor exposure
P1046
Hands-off
Roth
USD
2025-04-13
156,463
12,102
144,361
1
62.2
17
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
null
7
25
5.7
trailing 8%
93
13.3
Volatile
23.8
4.69
3
130
62
67
61
false
Sell
Trim extended winner -1%
-9
-40
BrokerC
MKT
98
null
null
Normal monitoring
38
1
127
5
false
Monitor dispersion and breadth
P1047
Opportunistic
Trust
USD
2025-01-19
714,178
59,141
655,037
1
60.8
19.3
11.9
8
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
null
8
30
4.2
hard 12%
195
34.8
Volatile
23.8
4.82
3
164
2
38
56
false
Buy
Add to core equity +1%
-13
-22
BrokerC
LMT
91
null
null
Normal monitoring
-51
-43
-74
4
false
Within IPS guidelines
P1048
Hands-off
Trust
USD
2024-11-25
161,705
8,521
153,184
1
68.8
22.3
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
null
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
null
null
Normal monitoring
-36
-56
79
3
false
Tighten stops on momentum names
P1049
Systematic
Taxable
USD
2024-10-29
1,967,374
109,683
1,857,691
1
60.2
31.8
0
8
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
null
8
30
4
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
null
null
Normal monitoring
-35
20
19
5
false
Tighten stops on momentum names
P1050
Systematic
401k
USD
2024-12-23
1,736,079
158,839
1,577,240
1
59.7
30
2.4
8
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
3.05
1.9
184
25
71
70
false
NoAction
Within bands; monitor
34
-27
BrokerB
MKT
0
null
null
Normal monitoring
93
20
93
3
false
Increase defensive factor exposure
P1051
Active
Roth
USD
2024-07-17
862,521
66,424
796,097
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
1,209,664
108,177
1,101,487
1
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
3.87
3.3
95
58
83
42
false
NoAction
Within bands; monitor
8
-26
BrokerD
VWAP
94
null
null
Normal monitoring
-51
7
15
3
false
Monitor dispersion and breadth
P1053
Hands-off
Trust
USD
2024-12-28
836,960
59,985
776,975
1
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
377,488
31,750
345,738
1
66.7
28.1
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
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
439,000
19,711
419,289
1
66.2
26.3
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
Bull
17.1
4.48
2.6
82
25
58
49
false
Rebalance
Shift +1% to bonds from equity
-14
-2
BrokerA
MKT
95
null
null
Normal monitoring
-8
3
98
3
false
Monitor dispersion and breadth
P1056
Active
401k
USD
2025-04-09
2,484,161
282,114
2,202,047
1
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
null
null
Normal monitoring
94
-7
77
3
false
Monitor dispersion and breadth
P1057
Hands-off
IRA
USD
2025-12-11
459,268
31,770
427,498
1
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
trailing 8%
121
17
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
1,509,986
125,671
1,384,315
1
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
null
10
35
4.9
hard 12%
146
18.7
Bull
12
3.59
2.6
92
101
92
38
false
Rebalance
Shift +1% to bonds from equity
22
-33
BrokerC
MKT
95
null
null
Normal monitoring
-25
13
87
3
false
Tighten stops on momentum names
P1059
Opportunistic
Trust
USD
2024-12-16
1,277,182
41,065
1,236,117
1
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
null
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
null
null
Normal monitoring
113
-55
222
5
false
Within IPS guidelines
P1060
Active
Taxable
USD
2025-06-19
1,949,968
184,814
1,765,154
1
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
null
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
null
null
Normal monitoring
99
-48
145
5
false
Monitor dispersion and breadth
P1061
Opportunistic
401k
USD
2024-08-04
676,928
40,020
636,908
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
null
10
25
4.2
trailing 9%
218
25.5
Volatile
28
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
1,352,126
66,249
1,285,877
1
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
null
10
35
5.7
trailing 9%
201
16
Sideways
18.3
4.46
2.7
92
47
88
50
false
Buy
Add to core equity +1%
-1
-19
BrokerC
VWAP
88
null
null
Normal monitoring
-19
18
-25
5
false
Tighten stops on momentum names
P1063
Systematic
IRA
USD
2025-06-10
568,993
25,150
543,843
1
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
null
null
Normal monitoring
1
-4
133
4
false
Tax-aware sells next window
P1064
Opportunistic
Trust
USD
2025-11-29
1,269,345
67,992
1,201,353
1
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
null
10
35
6.3
hard 12%
254
21
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
956,241
75,984
880,257
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
null
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
null
null
Normal monitoring
33
3
94
5
false
Tax-aware sells next window
P1066
Active
Trust
USD
2025-09-16
1,100,512
131,390
969,122
1
54
26.7
12
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
160,680
23,553
137,127
1
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
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
null
null
Normal monitoring
113
0
74
3
false
Tax-aware sells next window
P1068
Hands-off
Taxable
USD
2024-09-12
456,711
34,990
421,721
1
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
null
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
1,066,131
86,172
979,959
1
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
null
null
Normal monitoring
0
-5
28
4
false
Monitor dispersion and breadth
P1070
Cautious
Trust
USD
2024-08-23
765,331
107,602
657,729
1
45.8
31
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
1,389,045
102,818
1,286,227
1
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
null
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
null
null
Normal monitoring
37
-11
69
3
false
Within IPS guidelines
P1072
Active
Trust
USD
2024-12-02
1,947,186
233,458
1,713,728
1
51
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
123
22
53
69
false
Rebalance
Shift +1% to bonds from equity
-7
-9
BrokerA
LMT
88
null
null
Normal monitoring
72
9
55
5
false
Tighten stops on momentum names
P1073
Opportunistic
IRA
USD
2024-08-31
662,493
53,633
608,860
1.21
65
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
2,002,843
123,004
1,879,839
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
617,423
41,353
576,070
1.14
62.9
26.6
3.5
7
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
null
null
Normal monitoring
64
-22
158
4
false
Tax-aware sells next window
P1076
Opportunistic
Taxable
USD
2024-07-08
485,896
14,933
470,963
1
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
trailing 7%
170
34.7
Sideways
16.1
4
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
749,558
39,127
710,431
1
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
null
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
null
null
Normal monitoring
49
-31
67
4
false
Tighten stops on momentum names
P1078
Opportunistic
Trust
USD
2025-06-05
744,793
65,202
679,591
1.09
70.4
21.5
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
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
1,568,216
108,373
1,459,843
1
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
null
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
null
null
Normal monitoring
-29
-31
95
4
false
Increase defensive factor exposure
P1080
Systematic
Trust
USD
2025-07-12
433,882
25,098
408,784
1
65.1
25
3.8
6
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
null
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
null
null
Normal monitoring
75
-26
85
4
false
Monitor dispersion and breadth
P1081
Hands-off
Trust
USD
2024-12-24
733,555
31,106
702,449
1
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
null
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
null
null
Normal monitoring
108
-40
145
4
false
Tighten stops on momentum names
P1082
Hands-off
Roth
USD
2024-11-29
336,416
16,671
319,745
1
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
1,770,619
195,180
1,575,439
1
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
null
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
null
null
Normal monitoring
-52
-18
65
5
false
Tax-aware sells next window
P1084
Hands-off
401k
USD
2025-07-10
754,875
31,413
723,462
1
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
2,085,869
190,621
1,895,248
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
null
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
null
null
Normal monitoring
-44
-35
-83
3
false
Increase defensive factor exposure
P1086
Hands-off
Trust
USD
2024-08-30
690,432
34,459
655,973
1
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
962,219
92,281
869,938
1
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
null
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
1,997,191
128,402
1,868,789
1
64.2
29.7
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
null
8
35
5.9
hard 12%
133
26
Bull
13.6
4.15
2.1
76
71
70
54
false
Rebalance
Shift +1% to bonds from equity
27
9
BrokerC
MKT
92
null
null
Normal monitoring
21
-34
132
4
false
Monitor dispersion and breadth
P1089
Active
Trust
USD
2025-01-08
1,493,509
168,364
1,325,145
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
trailing 9%
125
21.1
Sideways
20
4.96
2.7
121
18
61
66
false
Sell
Trim extended winner -1%
-4
-32
BrokerB
VWAP
98
null
null
Normal monitoring
33
-15
36
3
false
Tax-aware sells next window
P1090
Hands-off
401k
USD
2025-12-17
647,530
56,337
591,193
1
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
null
null
Normal monitoring
-59
16
29
3
false
Increase defensive factor exposure
P1091
Opportunistic
Trust
USD
2025-10-09
659,206
46,502
612,704
1
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
null
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
null
null
Normal monitoring
27
-23
105
4
false
Tax-aware sells next window
P1092
Hands-off
Trust
USD
2025-05-10
516,429
44,758
471,671
1
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
null
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
null
null
Normal monitoring
40
-8
64
5
false
Tighten stops on momentum names
P1093
Cautious
Trust
USD
2025-11-02
696,628
102,664
593,964
1
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
null
null
Normal monitoring
-42
-18
-9
4
false
Tighten stops on momentum names
P1094
Active
Trust
USD
2024-09-08
1,569,954
111,656
1,458,298
1.09
64.6
25.4
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
null
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
666,787
48,389
618,398
1
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
null
7
25
6.9
trailing 9%
165
23.7
Bull
17
4.66
2.5
83
24
51
47
false
Rebalance
Shift +1% to bonds from equity
19
11
BrokerC
MKT
94
null
null
Normal monitoring
-12
11
20
4
false
Increase defensive factor exposure
P1096
Cautious
Trust
USD
2025-12-17
819,709
104,440
715,269
1
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
null
null
Normal monitoring
17
-4
79
3
false
Increase defensive factor exposure
P1097
Hands-off
401k
USD
2024-09-05
417,651
17,550
400,101
1
67.5
27.2
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
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
null
null
Normal monitoring
-45
12
57
3
false
Tax-aware sells next window
P1098
Hands-off
Roth
USD
2025-10-20
411,566
32,015
379,551
1
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
null
null
Normal monitoring
91
-41
84
3
false
Tighten stops on momentum names
P1099
Active
Roth
USD
2025-01-22
1,952,315
179,707
1,772,608
1
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
875,318
93,912
781,406
1
43.9
42.2
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
null
null
Normal monitoring
54
-18
102
4
false
Tax-aware sells next window