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
P1201
Active
Taxable
USD
2025-01-28
1,246,992
133,217
1,113,775
1
57.6
28.4
6.1
8
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
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
187,380
18,236
169,144
1
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
null
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
null
null
Normal monitoring
116
-30
166
4
false
Tax-aware sells next window
P1203
Active
Taxable
USD
2024-07-16
673,995
43,405
630,590
1
62.2
29.3
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
1,469,042
100,114
1,368,928
1
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
Sideways
14.1
4.24
2.2
138
45
87
51
false
Rebalance
Shift +1% to bonds from equity
3
-33
BrokerB
MKT
95
null
null
Normal monitoring
73
-54
81
3
false
Monitor dispersion and breadth
P1205
Cautious
Taxable
USD
2024-09-16
383,525
53,177
330,348
1
46.7
40
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
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
null
null
Normal monitoring
48
-45
63
5
false
Tax-aware sells next window
P1206
Systematic
401k
USD
2025-11-15
611,798
47,299
564,499
1
60.5
30.3
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
null
null
Normal monitoring
74
-58
35
5
false
Tighten stops on momentum names
P1207
Opportunistic
Taxable
USD
2024-11-16
1,154,724
55,417
1,099,307
1
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
null
null
Normal monitoring
37
-9
26
3
false
Tighten stops on momentum names
P1208
Systematic
Roth
USD
2025-06-26
1,679,858
93,767
1,586,091
1
63.5
30.8
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
null
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
531,943
49,041
482,902
1
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
trailing 10%
140
13.1
Volatile
20.3
4.21
4
164
-48
38
36
false
Rebalance
Shift +1% to bonds from equity
21
0
BrokerA
LMT
87
null
null
Normal monitoring
56
-54
106
5
false
Tax-aware sells next window
P1210
Active
IRA
USD
2025-11-26
2,264,696
175,314
2,089,382
1
64.7
27.6
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
null
7
25
5.2
trailing 8%
122
25
Volatile
23
4.27
2.4
174
35
62
54
false
Rebalance
Shift +1% to bonds from equity
21
-36
BrokerD
MKT
100
null
null
Normal monitoring
77
-40
181
5
false
Monitor dispersion and breadth
P1211
Systematic
401k
USD
2025-07-04
961,412
64,739
896,673
1
58.2
28.5
5
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
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
351,647
29,242
322,405
1
63
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
null
null
Normal monitoring
39
-40
33
4
false
Tax-aware sells next window
P1213
Cautious
Trust
USD
2024-08-09
558,058
75,941
482,117
1
47.1
42
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
null
null
Normal monitoring
89
-58
98
4
false
Tighten stops on momentum names
P1214
Active
IRA
USD
2024-11-09
1,621,233
172,033
1,449,200
1
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
trailing 8%
124
17.3
Volatile
21.2
5.24
4
179
73
78
55
false
Buy
Add to core equity +1%
-5
-3
BrokerB
LMT
98
null
null
Normal monitoring
44
-18
108
3
false
Increase defensive factor exposure
P1215
Opportunistic
Taxable
USD
2025-03-13
1,418,738
48,741
1,369,997
1
70.5
16.6
6
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
null
6
30
7
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
null
null
Normal monitoring
-35
13
-53
3
false
Tighten stops on momentum names
P1216
Cautious
401k
USD
2024-08-12
676,839
83,325
593,514
1
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
null
null
Normal monitoring
-5
-10
113
4
false
Monitor dispersion and breadth
P1217
Active
401k
USD
2025-07-17
1,769,182
140,910
1,628,272
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
null
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
null
null
Normal monitoring
-60
-37
-17
4
false
Within IPS guidelines
P1218
Systematic
Roth
USD
2024-09-25
1,654,552
135,096
1,519,456
1
62.6
29.9
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
null
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
null
null
Normal monitoring
54
-32
187
5
false
Within IPS guidelines
P1219
Hands-off
Taxable
USD
2024-10-21
399,651
21,390
378,261
1
66.6
26.2
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
4.01
2.8
114
6
43
66
false
Rebalance
Shift +1% to bonds from equity
17
-14
BrokerA
LMT
90
null
null
Normal monitoring
-19
-1
8
5
false
Tax-aware sells next window
P1220
Systematic
Trust
USD
2025-10-22
1,401,061
117,946
1,283,115
1
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
741,444
72,880
668,564
1
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
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
2,416,775
176,941
2,239,834
1
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
164,563
16,928
147,635
1
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
null
null
Normal monitoring
-27
18
100
4
false
Tax-aware sells next window
P1224
Systematic
Taxable
USD
2025-09-21
1,480,191
110,452
1,369,739
1
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
null
8
30
5.1
trailing 9%
203
27.3
Bull
14
4.84
2.4
95
31
76
57
false
Rebalance
Shift +1% to bonds from equity
6
14
BrokerD
VWAP
92
null
null
Normal monitoring
-15
-8
40
4
false
Within IPS guidelines
P1225
Hands-off
Trust
USD
2024-11-13
151,665
8,064
143,601
1
65.1
28
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
null
null
Normal monitoring
-51
-11
-50
4
false
Tighten stops on momentum names
P1226
Hands-off
401k
USD
2025-01-24
662,335
54,993
607,342
1
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
null
7
25
3.6
hard 10%
146
14.5
Bull
16.6
3.74
3
119
40
82
50
false
Rebalance
Shift +1% to bonds from equity
21
-28
BrokerA
VWAP
95
null
null
Normal monitoring
99
-53
172
4
false
Within IPS guidelines
P1227
Active
401k
USD
2025-05-29
1,993,897
133,921
1,859,976
1
64.8
28.4
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
null
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
null
null
Normal monitoring
93
20
134
3
false
Tax-aware sells next window
P1228
Hands-off
IRA
USD
2025-02-09
698,141
44,998
653,143
1
71.2
20.3
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
null
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
null
null
Normal monitoring
89
-55
80
4
false
Within IPS guidelines
P1229
Opportunistic
IRA
USD
2025-03-08
1,031,895
32,641
999,254
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
null
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
1,755,888
153,328
1,602,560
1
62.1
19.5
12
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
4.62
2.9
126
-26
30
45
false
Hedge
Add TLT +1% as duration hedge
10
-12
BrokerD
VWAP
98
null
null
Normal monitoring
-58
-49
72
5
false
Monitor dispersion and breadth
P1231
Cautious
IRA
USD
2025-11-20
674,068
66,028
608,040
1
41
42.2
6
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
null
null
Normal monitoring
120
-43
182
4
false
Tax-aware sells next window
P1232
Hands-off
Taxable
USD
2025-03-01
444,505
31,473
413,032
1
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
null
7
35
5
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
null
null
Normal monitoring
-15
-17
-23
4
false
Monitor dispersion and breadth
P1233
Hands-off
Trust
USD
2025-04-19
765,687
71,482
694,205
1
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
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
403,377
32,837
370,540
1
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
null
null
Normal monitoring
6
9
100
5
false
Within IPS guidelines
P1235
Opportunistic
Trust
USD
2025-09-15
603,119
36,145
566,974
1
69
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
null
6
35
5.4
trailing 7%
184
27
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
249,421
38,192
211,229
1
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
null
null
Normal monitoring
40
0
179
3
false
Tax-aware sells next window
P1237
Active
Trust
USD
2025-04-04
2,237,467
138,445
2,099,022
1
53.7
27.8
12
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
4.7
2.7
116
10
61
43
false
Rebalance
Shift +1% to bonds from equity
9
-32
BrokerC
MKT
89
null
null
Normal monitoring
6
-54
112
3
false
Within IPS guidelines
P1238
Hands-off
Roth
USD
2024-11-02
205,885
12,011
193,874
1
56
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
null
null
Normal monitoring
97
11
78
3
false
Increase defensive factor exposure
P1239
Active
Trust
USD
2024-09-25
1,689,450
125,780
1,563,670
1
58.6
31
2.4
8
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
null
null
Normal monitoring
120
-3
111
4
false
Monitor dispersion and breadth
P1240
Hands-off
Roth
USD
2024-09-13
545,347
32,181
513,166
1
56.9
16.7
19
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
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
1,056,043
102,346
953,697
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
Bear
27.2
3.19
1.7
133
-37
21
64
false
Rebalance
Shift +1% to bonds from equity
4
-14
BrokerD
MKT
94
null
null
Normal monitoring
103
-52
70
5
false
Within IPS guidelines
P1242
Active
Taxable
USD
2025-05-20
810,464
54,676
755,788
1
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
Sideways
17.8
3.76
3.1
130
-28
27
50
false
Rebalance
Shift +1% to bonds from equity
6
-40
BrokerB
MKT
90
null
null
Normal monitoring
84
13
124
3
false
Tax-aware sells next window
P1243
Cautious
Roth
USD
2025-11-14
161,909
22,704
139,205
1
40.9
33
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
null
null
Normal monitoring
62
12
34
3
false
Tighten stops on momentum names
P1244
Opportunistic
Taxable
USD
2025-09-17
579,507
49,209
530,298
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
hard 12%
224
21.7
Bull
12
4.41
2.5
71
6
40
43
false
Sell
Trim extended winner -1%
10
-36
BrokerA
MKT
86
null
null
Normal monitoring
119
-24
195
4
false
Monitor dispersion and breadth
P1245
Systematic
Trust
USD
2025-11-06
685,943
28,326
657,617
1
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
3.84
3.1
81
6
56
48
false
Buy
Add to core equity +1%
2
-3
BrokerC
LMT
99
null
null
Normal monitoring
28
12
15
5
false
Tax-aware sells next window
P1246
Cautious
Trust
USD
2025-03-04
838,411
85,330
753,081
1
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
null
null
Normal monitoring
-31
-31
-45
4
false
Increase defensive factor exposure
P1247
Opportunistic
Taxable
USD
2024-08-08
740,683
41,284
699,399
1
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
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
1,931,896
109,475
1,822,421
1
57
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
null
7
25
4
trailing 9%
165
18
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
2,309,420
162,830
2,146,590
1
61
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
null
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
null
null
Normal monitoring
-54
-50
-5
5
false
Monitor dispersion and breadth
P1250
Active
401k
USD
2025-12-06
740,352
69,084
671,268
1
60.8
30.1
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
null
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
null
null
Normal monitoring
101
13
185
5
false
Monitor dispersion and breadth
P1251
Cautious
Trust
USD
2024-10-26
448,711
70,239
378,472
1
48.4
37.7
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
74
96
100
34
false
Rebalance
Shift +1% to bonds from equity
17
-4
BrokerB
LMT
90
null
null
Normal monitoring
-9
-19
-18
5
false
Tighten stops on momentum names
P1252
Opportunistic
Taxable
USD
2025-06-14
464,656
30,329
434,327
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
Bull
17.9
4.63
3.3
102
21
46
65
false
Rebalance
Shift +1% to bonds from equity
24
-10
BrokerC
LMT
86
null
null
Normal monitoring
61
-35
140
5
false
Within IPS guidelines
P1253
Opportunistic
401k
USD
2024-11-26
1,306,370
57,142
1,249,228
1
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
null
null
Normal monitoring
58
-54
69
5
false
Within IPS guidelines
P1254
Hands-off
Roth
USD
2024-10-07
733,013
46,158
686,855
1
64.7
17.4
12
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
Sideways
17.8
3.56
2.9
105
52
77
51
false
Hedge
Add TLT +1% as duration hedge
30
-15
BrokerD
VWAP
100
null
null
Normal monitoring
79
-17
119
3
false
Tighten stops on momentum names
P1255
Active
Trust
USD
2024-12-04
1,565,499
127,209
1,438,290
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
null
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
375,329
33,272
342,057
1
37.9
31.7
16
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
null
null
Normal monitoring
-2
-8
122
4
false
Increase defensive factor exposure
P1257
Cautious
IRA
USD
2025-10-20
291,893
28,279
263,614
1
35.6
32.1
15
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
null
null
Normal monitoring
93
2
125
4
false
Increase defensive factor exposure
P1258
Systematic
Taxable
USD
2025-01-25
1,719,107
160,282
1,558,825
1
60.6
32
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
null
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
null
null
Normal monitoring
-40
-57
-45
3
false
Tighten stops on momentum names
P1259
Hands-off
Taxable
USD
2024-07-21
677,818
57,678
620,140
1
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
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
878,469
93,151
785,318
1
65
26.3
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
null
5
35
5.4
trailing 9%
217
21.7
Volatile
20
3.65
2.4
171
-37
37
66
false
Sell
Trim extended winner -1%
20
5
BrokerA
MKT
93
null
null
Normal monitoring
98
-8
190
3
false
Monitor dispersion and breadth
P1261
Cautious
Roth
USD
2025-03-31
249,975
30,039
219,936
1
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
null
null
Normal monitoring
-31
-57
-20
5
false
Monitor dispersion and breadth
P1262
Hands-off
IRA
USD
2025-09-13
622,393
27,053
595,340
1
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
null
null
Normal monitoring
39
-2
114
5
false
Tighten stops on momentum names
P1263
Cautious
Roth
USD
2025-04-11
725,826
111,237
614,589
1
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
147
19
69
43
false
Sell
Trim extended winner -1%
-11
2
BrokerB
MKT
90
null
null
Normal monitoring
84
-57
165
3
false
Tighten stops on momentum names
P1264
Cautious
IRA
USD
2024-08-09
251,503
30,718
220,785
1
53.2
34.3
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
null
null
Normal monitoring
-34
-33
72
5
false
Tighten stops on momentum names
P1265
Active
IRA
USD
2024-08-20
1,607,801
118,800
1,489,001
1
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
Bull
14.3
4.26
2.2
88
95
93
37
false
Hedge
Add TLT +1% as duration hedge
-13
2
BrokerC
MKT
98
null
null
Normal monitoring
91
-11
115
3
false
Tax-aware sells next window
P1266
Hands-off
Trust
USD
2025-11-02
734,822
44,893
689,929
1
58
26.8
10
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
null
null
Normal monitoring
-19
9
36
4
false
Tax-aware sells next window
P1267
Cautious
IRA
USD
2025-08-11
447,680
62,854
384,826
1
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
Sideways
17
4.35
3.4
131
41
78
43
false
Sell
Trim extended winner -1%
-1
-25
BrokerD
LMT
90
null
null
Normal monitoring
17
4
139
5
false
Increase defensive factor exposure
P1268
Systematic
Roth
USD
2025-03-31
1,365,995
133,996
1,231,999
1
62.5
20.1
10
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
null
7
30
4.4
trailing 9%
179
21.6
Volatile
20.6
5
4.2
177
-41
23
63
false
Hedge
Add TLT +1% as duration hedge
6
-33
BrokerA
MKT
96
null
null
Normal monitoring
35
-23
58
5
false
Within IPS guidelines
P1269
Cautious
Taxable
USD
2025-11-28
154,815
19,245
135,570
1
37.6
43.7
3.8
15
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
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
null
null
Normal monitoring
28
19
125
3
false
Tax-aware sells next window
P1270
Cautious
Trust
USD
2025-02-23
625,035
69,732
555,303
1
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
null
null
Normal monitoring
-50
17
-57
5
false
Increase defensive factor exposure
P1271
Active
Taxable
USD
2024-11-28
1,599,911
163,808
1,436,103
1.19
51.3
22.8
16
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
null
10
30
4.2
hard 12%
175
17
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
2,023,422
199,833
1,823,589
1
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
null
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
null
null
Normal monitoring
39
-11
86
5
false
Within IPS guidelines
P1273
Cautious
401k
USD
2025-10-23
222,479
27,242
195,237
1
49.6
36.7
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
null
null
Normal monitoring
105
-41
197
5
false
Within IPS guidelines
P1274
Cautious
401k
USD
2025-10-07
162,978
20,177
142,801
1
40.2
34.4
8
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
121
26
53
37
false
Sell
Trim extended winner -1%
4
6
BrokerA
LMT
99
null
null
Normal monitoring
34
-7
1
5
false
Tighten stops on momentum names
P1275
Cautious
Roth
USD
2025-09-05
158,340
22,446
135,894
1
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
null
null
Normal monitoring
-22
-47
-21
4
false
Within IPS guidelines
P1276
Active
Trust
USD
2025-01-25
2,198,466
222,398
1,976,068
1
60.3
28.1
5
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
null
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
2,498,172
244,046
2,254,126
1
58.8
31.3
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
null
null
Normal monitoring
42
-47
142
5
false
Increase defensive factor exposure
P1278
Systematic
401k
USD
2024-11-22
1,846,341
78,727
1,767,614
1
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
null
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
null
null
Normal monitoring
21
-20
22
3
false
Within IPS guidelines
P1279
Cautious
Roth
USD
2025-06-03
355,140
55,721
299,419
1
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
null
null
Normal monitoring
-60
-32
61
4
false
Tax-aware sells next window
P1280
Hands-off
IRA
USD
2025-08-27
360,104
23,133
336,971
1
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
786,220
34,933
751,287
1.09
71.9
10.4
10.8
7
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
null
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
null
null
Normal monitoring
76
-1
105
5
false
Monitor dispersion and breadth
P1282
Cautious
Trust
USD
2025-08-01
322,711
30,649
292,062
1
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
trailing 8%
92
12.8
Volatile
28
5.3
4
115
-41
16
55
false
Buy
Add to core equity +1%
3
-30
BrokerA
LMT
98
null
null
Normal monitoring
-38
-1
-76
3
false
Tax-aware sells next window
P1283
Active
Roth
USD
2025-02-13
2,015,066
178,538
1,836,528
1
62
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
null
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
null
null
Normal monitoring
60
-4
59
5
false
Tax-aware sells next window
P1284
Cautious
Roth
USD
2025-05-19
197,864
29,546
168,318
1
52
33
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
549,895
66,738
483,157
1
43.8
40.9
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
null
null
Normal monitoring
5
15
136
4
false
Increase defensive factor exposure
P1286
Systematic
Taxable
USD
2025-01-14
604,789
40,438
564,351
1
56
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
null
6
25
5.2
trailing 8%
141
23.4
Bear
31
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
176,367
27,626
148,741
1
43.8
41.5
1.7
13
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
Bull
13.7
3.56
2.4
111
109
100
27
false
Rebalance
Shift +1% to bonds from equity
27
-3
BrokerB
LMT
92
null
null
Normal monitoring
88
-43
173
3
false
Tax-aware sells next window
P1288
Active
Taxable
USD
2025-10-20
1,433,080
170,410
1,262,670
1
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
null
null
Normal monitoring
-34
-58
-32
5
false
Tax-aware sells next window
P1289
Systematic
Taxable
USD
2025-12-21
1,298,067
91,283
1,206,784
1
61.1
30.4
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
null
null
Normal monitoring
59
-50
154
3
false
Within IPS guidelines
P1290
Hands-off
Taxable
USD
2024-07-19
283,679
28,131
255,548
1
66.7
23.6
1
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
null
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
null
null
Normal monitoring
84
-17
187
5
false
Within IPS guidelines
P1291
Active
Trust
USD
2025-03-24
1,626,150
140,134
1,486,016
1
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
485,913
65,829
420,084
1
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
null
null
Normal monitoring
111
-21
138
5
false
Monitor dispersion and breadth
P1293
Cautious
Trust
USD
2025-03-04
693,688
98,214
595,474
1
45.6
31.3
7
16
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
Sideways
18.9
4.97
2.1
100
-4
53
54
false
Hedge
Add TLT +1% as duration hedge
0
-35
BrokerB
VWAP
99
null
null
Normal monitoring
-58
-30
-95
3
false
Tax-aware sells next window
P1294
Hands-off
Roth
USD
2024-12-10
589,996
55,688
534,308
1
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
null
6
25
4.5
trailing 8%
104
15
Volatile
27
5.45
3.1
141
-16
48
66
false
Buy
Add to core equity +1%
20
-29
BrokerD
VWAP
95
null
null
Normal monitoring
-43
5
-48
4
false
Tax-aware sells next window
P1295
Opportunistic
Taxable
USD
2025-02-23
809,969
62,607
747,362
1
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
null
null
Normal monitoring
13
-39
91
3
false
Tighten stops on momentum names
P1296
Cautious
Taxable
USD
2024-10-18
193,503
16,706
176,797
1
47.4
42.4
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
null
null
Normal monitoring
-46
11
-20
5
false
Increase defensive factor exposure
P1297
Opportunistic
401k
USD
2024-10-10
656,623
46,558
610,065
1
64
11.8
19
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
null
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
1,540,902
121,701
1,419,201
1
71.7
19.7
4
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
null
null
Normal monitoring
-35
-38
13
3
false
Increase defensive factor exposure
P1299
Hands-off
Taxable
USD
2025-10-31
255,505
16,688
238,817
1
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
77
77
74
44
false
Sell
Trim extended winner -1%
-2
10
BrokerB
LMT
88
null
null
Normal monitoring
62
-14
174
4
false
Tax-aware sells next window
P1300
Hands-off
Roth
USD
2024-09-11
723,796
55,431
668,365
1
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
4.94
3.2
99
19
74
32
false
Buy
Add to core equity +1%
6
15
BrokerC
LMT
99
null
null
Normal monitoring
-50
-40
16
4
false
Increase defensive factor exposure