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
P1701
Systematic
401k
USD
2024-11-07
716,942
46,311
670,631
1
62.4
32.3
0
5.3
TSLA:25.6%;VOO:23.2%;XLF:25.6%;VNQ:25.6%
US:70.5;EU:15.9;APAC:5.3;EM:3.5;Other:4.8
Value:+0.5;Growth:+0.1;Quality:+0.4;Size:+0.2;Momentum:+0.4;LowVol:+0.9
MaxPos6%;NoDerivatives
8
35
4.6
trailing 9%
155
18.1
Volatile
20.2
4.33
3.8
141
6
46
63
true
Reduce
Cut high-beta by 2-3%, add cash
15
-18
BrokerA
MKT
87
VAR>budget
Pause
Risk above budget threshold
91
-6
127
3
false
Monitor dispersion and breadth
P1702
Hands-off
401k
USD
2025-01-21
836,010
71,560
764,450
1
56.3
17.1
16.6
10
XLF:27.8%;VNQ:27.8%;TLT:27.8%;AMZN:16.7%
US:77.1;EU:5.3;APAC:8.7;EM:6.5;Other:2.4
Value:-0.7;Growth:-0.7;Quality:-0.2;Size:-0.3;Momentum:+0.9;LowVol:+0.8
ESGOnly;NoDerivatives
10
25
3.9
hard 10%
167
12.1
Bull
14.5
4.69
3.1
90
66
98
46
false
Sell
Trim extended winner -1%
23
-4
BrokerB
VWAP
90
null
null
Normal monitoring
53
-2
168
3
false
Monitor dispersion and breadth
P1703
Systematic
Roth
USD
2025-12-09
1,398,752
131,365
1,267,387
1
69.2
21.5
3.6
5.7
QQQ:22.8%;TLT:17.2%;BRK.B:15.0%;MSFT:22.2%;AMZN:22.8%
US:68.0;EU:13.4;APAC:13.8;EM:4.1;Other:0.6
Value:+0.5;Growth:-0.7;Quality:+0.9;Size:+0.4;Momentum:0.0;LowVol:+0.5
null
7
30
4.9
trailing 9%
188
16.7
Bear
33.3
3.25
1.6
160
-27
27
84
true
Rebalance
Rebalance back to target bands
35
15
BrokerD
LMT
92
Drift>tolerance
Hedge
Allocation drift beyond policy bands
16
-15
59
2
false
Increase defensive factor exposure
P1704
Cautious
Taxable
USD
2025-03-26
259,142
35,448
223,694
1
43.7
42.5
0
13.9
BRK.B:28.1%;BND:28.1%;TSLA:15.8%;GLD:28.1%
US:64.2;EU:11.4;APAC:12.4;EM:8.6;Other:3.4
Value:+1.0;Growth:+0.5;Quality:-0.5;Size:-0.5;Momentum:+0.9;LowVol:-0.2
ESGOnly;MaxPos8%;NoMargin
7
30
5.3
trailing 10%
107
12.5
Sideways
18.3
4.44
2.4
91
-14
38
42
false
Buy
Add to core equity +1%
-1
-10
BrokerA
MKT
93
null
null
Normal monitoring
20
-32
121
3
false
Monitor dispersion and breadth
P1705
Systematic
401k
USD
2024-07-06
1,398,264
58,721
1,339,543
1
62.2
21.3
8.7
7.8
TSLA:18.4%;VNQ:21.5%;IEF:16.3%;HYG:10.5%;TLT:11.8%;XLF:21.5%
US:66.5;EU:15.1;APAC:11.0;EM:4.8;Other:2.6
Value:+0.5;Growth:+0.7;Quality:-0.1;Size:-0.4;Momentum:-0.1;LowVol:+0.2
MaxPos7%
8
35
4
trailing 8%
129
23.6
Bear
22.5
4.35
1.4
172
17
47
65
false
Buy
Add to core equity +1%
18
-25
BrokerD
MKT
99
null
null
Normal monitoring
22
-32
100
4
false
Tighten stops on momentum names
P1706
Opportunistic
Taxable
USD
2025-04-28
869,460
70,889
798,571
1
63.1
15.6
15.3
5.9
BRK.B:8.4%;TSLA:20.9%;BND:16.9%;QQQ:13.1%;IEF:20.9%;MUB:19.8%
US:64.9;EU:14.8;APAC:12.0;EM:5.8;Other:2.5
Value:+0.5;Growth:+0.5;Quality:-0.1;Size:-0.7;Momentum:-0.8;LowVol:-0.4
NoDerivatives
5
25
6.2
trailing 9%
191
32.5
Bull
15.1
3.81
2.6
79
76
80
51
false
Rebalance
Shift +1% to bonds from equity
5
-9
BrokerB
VWAP
90
null
null
Normal monitoring
115
0
158
3
false
Tax-aware sells next window
P1707
Active
Taxable
USD
2025-09-18
2,272,902
144,029
2,128,873
1
69.8
22.9
0.5
6.8
BND:33.3%;IEF:33.3%;AMZN:33.3%
US:64.9;EU:12.8;APAC:9.5;EM:7.5;Other:5.3
Value:+0.2;Growth:+0.4;Quality:+0.8;Size:-1.0;Momentum:-0.4;LowVol:+0.1
MaxPos8%
7
30
4.4
trailing 9%
193
23.3
Volatile
26.7
4.13
2.7
156
-57
26
78
true
Hedge
Buy index puts 1% notional
14
-39
BrokerC
MKT
96
VAR>budget
TightenStops
Risk above budget threshold
59
18
176
2
false
Tax-aware sells next window
P1708
Active
IRA
USD
2024-10-13
1,541,228
111,200
1,430,028
1
50.7
29
14.1
6.2
BRK.B:25.0%;GLD:25.0%;XLF:25.0%;VTI:25.0%
US:71.1;EU:8.3;APAC:11.0;EM:4.6;Other:5.0
Value:-0.8;Growth:+0.5;Quality:0.0;Size:-0.6;Momentum:+0.9;LowVol:-0.9
MaxPos6%
10
25
4.6
trailing 8%
167
26.4
Volatile
29.9
4.25
2.9
144
20
75
61
false
Sell
Trim extended winner -1%
12
-24
BrokerA
MKT
92
null
null
Normal monitoring
76
-60
58
5
false
Monitor dispersion and breadth
P1709
Active
401k
USD
2025-09-25
845,845
60,943
784,902
1
54.8
24.7
13.8
6.7
AMZN:29.2%;QQQ:29.2%;HYG:19.1%;VNQ:22.6%
US:74.9;EU:6.1;APAC:7.6;EM:9.0;Other:2.5
Value:+0.4;Growth:-1.0;Quality:-0.0;Size:-0.8;Momentum:+0.2;LowVol:+0.8
null
6
35
5.8
hard 12%
162
25.5
Bull
16.9
4.93
3.1
105
50
60
50
false
Rebalance
Shift +1% to bonds from equity
2
-11
BrokerB
LMT
96
null
null
Normal monitoring
-18
2
67
4
false
Tax-aware sells next window
P1710
Active
Roth
USD
2024-11-01
2,131,770
235,518
1,896,252
1.21
54.1
20.8
19.9
5.3
AAPL:13.9%;BRK.B:24.3%;AMZN:21.9%;MUB:26.4%;GLD:13.6%
US:80.4;EU:6.2;APAC:6.2;EM:7.1;Other:0.1
Value:-0.5;Growth:-0.5;Quality:+0.8;Size:-0.3;Momentum:-0.6;LowVol:+1.0
NoDerivatives
8
25
5.4
trailing 8%
221
16.7
Bull
17.8
4.93
2.9
78
50
68
55
false
Sell
Trim extended winner -1%
20
-23
BrokerC
MKT
90
null
null
Normal monitoring
-39
-22
-7
3
false
Within IPS guidelines
P1711
Opportunistic
Taxable
USD
2024-09-04
1,047,533
81,726
965,807
1.23
66.8
11.7
15.5
6
AAPL:20.4%;HYG:19.1%;QQQ:9.5%;BND:18.6%;TSLA:20.2%;VOO:12.2%
US:70.2;EU:9.0;APAC:10.3;EM:6.5;Other:4.1
Value:-1.0;Growth:+0.7;Quality:+0.8;Size:-0.1;Momentum:-0.4;LowVol:-0.6
NoDerivatives
8
25
6.7
trailing 7%
196
33.1
Sideways
21.4
4.6
2.6
91
18
62
66
false
Buy
Add to core equity +1%
11
-32
BrokerD
LMT
89
null
null
Normal monitoring
41
-48
118
4
false
Tax-aware sells next window
P1712
Cautious
Taxable
USD
2025-07-27
654,126
75,129
578,997
1
44.4
38.3
1.8
15.6
VOO:22.8%;TLT:11.7%;GLD:23.5%;VTI:23.5%;VNQ:18.6%
US:70.6;EU:16.1;APAC:5.7;EM:4.8;Other:2.8
Value:0.0;Growth:+0.5;Quality:-0.3;Size:-0.9;Momentum:+0.9;LowVol:-0.4
ESGOnly;NoMargin
8
30
4.9
trailing 8%
104
17
Sideways
17.3
4.58
2.3
97
18
61
43
false
NoAction
Within bands; monitor
9
-22
BrokerA
MKT
0
null
null
Normal monitoring
-16
-12
73
4
false
Within IPS guidelines
P1713
Hands-off
IRA
USD
2025-12-15
390,032
18,572
371,460
1
66.3
15.2
9.3
9.2
VOO:27.0%;TLT:21.6%;IEF:24.3%;AMZN:27.0%
US:69.4;EU:12.0;APAC:7.2;EM:10.1;Other:1.3
Value:-0.0;Growth:+0.8;Quality:-0.3;Size:-0.1;Momentum:0.0;LowVol:+0.6
MaxPos6%
8
25
5.1
hard 10%
135
17.4
Volatile
30.1
4.94
2.3
122
-7
39
75
true
Rebalance
Rebalance back to target bands
-1
-20
BrokerB
LMT
86
Drift>tolerance
Reduce
Allocation drift beyond policy bands
99
19
204
3
false
Increase defensive factor exposure
P1714
Systematic
Trust
USD
2024-10-20
855,962
61,255
794,707
1
67.7
24.3
0
8.1
VOO:17.3%;VTI:21.0%;AAPL:18.7%;VNQ:11.4%;MUB:21.2%;MSFT:10.3%
US:67.4;EU:8.3;APAC:10.3;EM:13.0;Other:1.0
Value:-0.5;Growth:-0.8;Quality:+0.6;Size:-0.5;Momentum:-0.6;LowVol:+0.9
null
5
25
4.6
trailing 9%
145
24.4
Volatile
24
4.12
2.3
176
14
52
65
false
Buy
Add to core equity +1%
13
-34
BrokerA
VWAP
88
null
null
Normal monitoring
-17
-18
-32
3
false
Tax-aware sells next window
P1715
Active
Roth
USD
2025-09-26
2,474,944
224,300
2,250,644
1.2
58
19.6
14.8
7.6
TLT:7.6%;VNQ:15.2%;XLF:19.3%;MUB:20.5%;VTI:16.8%;VOO:20.5%
US:65.8;EU:12.5;APAC:13.3;EM:7.2;Other:1.2
Value:+0.7;Growth:+0.1;Quality:-0.3;Size:-0.9;Momentum:+0.3;LowVol:-0.2
NoDerivatives
8
35
5.6
hard 12%
227
21.6
Bull
17.3
4.81
2.4
75
18
69
41
false
Hedge
Add TLT +1% as duration hedge
18
-1
BrokerD
MKT
85
null
null
Normal monitoring
10
-48
39
5
false
Within IPS guidelines
P1716
Cautious
Trust
USD
2024-09-18
476,984
54,446
422,538
1
53.1
32.3
1.1
13.4
MSFT:8.6%;XLF:23.4%;VTI:23.4%;VOO:23.4%;GLD:21.2%
US:68.7;EU:13.0;APAC:9.0;EM:9.1;Other:0.3
Value:-0.5;Growth:+0.9;Quality:-0.5;Size:-1.0;Momentum:-0.1;LowVol:-0.8
MaxPos5%;NoDerivatives;NoMargin
6
35
5.8
trailing 10%
153
17.4
Sideways
14.3
4.71
3
132
60
77
45
false
NoAction
Within bands; monitor
25
-7
BrokerC
MKT
0
null
null
Normal monitoring
30
-14
107
3
false
Monitor dispersion and breadth
P1717
Active
Trust
USD
2024-08-17
1,483,779
133,350
1,350,429
1
64.4
26.5
0
9.1
VTI:20.1%;IEF:15.3%;TSLA:15.7%;TLT:11.7%;MSFT:16.0%;QQQ:21.2%
US:69.7;EU:8.8;APAC:12.5;EM:6.0;Other:3.1
Value:+0.3;Growth:-0.3;Quality:-0.6;Size:+0.9;Momentum:-0.1;LowVol:-0.6
MaxPos7%;NoDerivatives
7
25
5
trailing 8%
220
20.1
Volatile
27.8
5.33
2.9
156
33
59
66
false
Sell
Trim extended winner -1%
21
-25
BrokerB
VWAP
93
null
null
Normal monitoring
4
-22
136
5
false
Tighten stops on momentum names
P1718
Opportunistic
Trust
USD
2024-07-26
1,293,101
40,118
1,252,983
1
66.6
11.2
14.6
7.6
VNQ:26.6%;TSLA:26.6%;QQQ:26.6%;AMZN:20.1%
US:72.4;EU:6.1;APAC:12.1;EM:7.3;Other:2.1
Value:-0.6;Growth:-0.0;Quality:-0.9;Size:+0.7;Momentum:+0.2;LowVol:-0.7
MaxPos5%
6
35
4.6
trailing 7%
180
30.9
Bull
16.9
4.68
3.1
106
20
60
43
false
Rebalance
Shift +1% to bonds from equity
8
-23
BrokerB
LMT
100
null
null
Normal monitoring
-46
-35
45
3
false
Tax-aware sells next window
P1719
Cautious
IRA
USD
2025-11-24
674,533
101,592
572,941
1
42.6
30.2
12.6
14.5
AMZN:13.3%;MUB:17.4%;MSFT:19.1%;BND:9.2%;IEF:21.0%;TSLA:20.0%
US:62.1;EU:13.0;APAC:11.2;EM:12.0;Other:1.7
Value:-0.8;Growth:-0.4;Quality:+0.6;Size:+0.1;Momentum:+0.1;LowVol:+0.2
ESGOnly;MaxPos5%;NoMargin
8
30
4.9
trailing 8%
114
15.8
Volatile
27.6
4.5
2.5
159
53
68
54
false
Rebalance
Shift +1% to bonds from equity
33
-10
BrokerD
LMT
95
null
null
Normal monitoring
13
-11
-6
5
false
Tax-aware sells next window
P1720
Cautious
Taxable
USD
2025-07-14
409,265
65,207
344,058
1
45.4
37.4
5.9
11.3
VNQ:33.5%;IEF:33.1%;AMZN:33.5%
US:73.0;EU:7.8;APAC:8.4;EM:10.8;Other:0.0
Value:-0.2;Growth:-0.5;Quality:-0.2;Size:-1.0;Momentum:-0.3;LowVol:-0.2
NoDerivatives;NoMargin
7
30
5.2
trailing 8%
165
12.8
Bull
12.2
3.74
2.4
112
90
99
40
false
Rebalance
Shift +1% to bonds from equity
12
10
BrokerA
LMT
97
null
null
Normal monitoring
-9
-5
-44
4
false
Monitor dispersion and breadth
P1721
Cautious
401k
USD
2025-12-08
579,617
90,880
488,737
1
43
42.4
4.6
10.1
HYG:15.7%;AAPL:10.3%;VNQ:19.1%;GLD:18.2%;IEF:19.2%;BND:17.5%
US:67.6;EU:12.5;APAC:6.1;EM:10.2;Other:3.6
Value:-0.9;Growth:+0.1;Quality:+0.7;Size:+0.6;Momentum:-0.7;LowVol:-0.6
MaxPos6%;NoDerivatives;NoMargin
8
30
4.1
trailing 8%
115
16.1
Volatile
20.1
4.82
2.8
123
-51
34
49
false
Rebalance
Shift +1% to bonds from equity
17
-12
BrokerA
MKT
88
null
null
Normal monitoring
11
-32
26
3
false
Monitor dispersion and breadth
P1722
Hands-off
401k
USD
2025-04-05
694,025
34,453
659,572
1
65.9
25
0
9.1
TSLA:18.3%;MUB:19.6%;VOO:17.7%;AAPL:5.6%;MSFT:18.7%;VNQ:20.1%
US:64.7;EU:14.7;APAC:12.0;EM:4.8;Other:3.8
Value:+0.1;Growth:-0.9;Quality:+0.6;Size:-0.9;Momentum:-0.5;LowVol:-0.8
ESGOnly
6
35
3.4
trailing 8%
141
13
Sideways
21.4
3.94
2.8
105
-21
40
71
false
Sell
Trim extended winner -1%
18
3
BrokerB
MKT
85
null
null
Normal monitoring
-11
-33
-33
3
false
Increase defensive factor exposure
P1723
Hands-off
401k
USD
2024-12-10
831,583
39,260
792,323
1
56.1
26.3
9.1
8.5
IEF:18.7%;BRK.B:15.0%;AMZN:17.8%;GLD:15.8%;HYG:18.5%;AAPL:14.1%
US:64.5;EU:9.9;APAC:14.8;EM:10.2;Other:0.7
Value:-0.7;Growth:-0.6;Quality:-0.7;Size:-0.3;Momentum:-0.2;LowVol:-0.7
ESGOnly
8
35
3.5
trailing 8%
162
15.1
Sideways
16.2
3.51
3
138
39
66
38
false
Buy
Add to core equity +1%
-6
-22
BrokerC
LMT
98
null
null
Normal monitoring
64
-45
150
5
false
Monitor dispersion and breadth
P1724
Active
Taxable
USD
2024-07-24
2,202,156
251,197
1,950,959
1
57.9
28.6
6.5
7
VTI:18.8%;GLD:31.7%;AAPL:31.7%;IEF:17.8%
US:64.1;EU:18.8;APAC:8.8;EM:3.3;Other:5.0
Value:0.0;Growth:+0.9;Quality:+0.1;Size:+0.7;Momentum:-0.8;LowVol:-0.7
MaxPos7%
10
25
5.7
trailing 8%
224
26.5
Bear
25.9
4.19
2.3
209
-33
18
63
false
Rebalance
Shift +1% to bonds from equity
24
3
BrokerC
MKT
94
null
null
Normal monitoring
87
-35
180
3
false
Tax-aware sells next window
P1725
Opportunistic
Trust
USD
2025-10-20
1,313,028
59,376
1,253,652
1
63.4
12
18.6
6
BND:33.3%;VOO:33.3%;IEF:33.3%
US:66.5;EU:7.6;APAC:7.9;EM:13.1;Other:4.9
Value:+0.1;Growth:+0.2;Quality:-0.9;Size:-0.6;Momentum:-0.1;LowVol:+1.0
null
8
30
4.5
hard 12%
258
28
Bull
15.9
4.31
2.9
120
37
56
44
false
Buy
Add to core equity +1%
-8
-23
BrokerA
MKT
95
null
null
Normal monitoring
-29
16
58
4
false
Tighten stops on momentum names
P1726
Hands-off
Trust
USD
2024-10-23
426,378
39,171
387,207
1
63.8
27.3
0
8.9
TSLA:33.3%;AAPL:33.3%;HYG:33.3%
US:67.1;EU:14.3;APAC:7.1;EM:7.6;Other:3.8
Value:+0.5;Growth:+0.3;Quality:-1.0;Size:-0.2;Momentum:-0.3;LowVol:+0.3
ESGOnly
10
25
3.1
trailing 8%
162
19.2
Bull
16
4.5
2.4
109
53
87
42
false
NoAction
Within bands; monitor
33
-28
BrokerD
MKT
0
null
null
Normal monitoring
-13
3
119
4
false
Tighten stops on momentum names
P1727
Cautious
IRA
USD
2024-08-10
429,863
64,886
364,977
1
47.5
37.9
3.7
10.9
MUB:22.5%;MSFT:13.3%;QQQ:13.7%;AMZN:25.3%;VNQ:25.3%
US:68.9;EU:12.6;APAC:9.3;EM:7.6;Other:1.6
Value:+0.2;Growth:+0.6;Quality:-0.9;Size:-0.6;Momentum:+0.6;LowVol:-0.9
MaxPos5%;NoDerivatives;NoMargin
5
30
3.8
trailing 10%
142
18.6
Bear
26
3.75
1.1
159
-27
31
61
false
Rebalance
Shift +1% to bonds from equity
12
-19
BrokerC
MKT
96
null
null
Normal monitoring
56
-20
72
5
false
Monitor dispersion and breadth
P1728
Hands-off
IRA
USD
2025-11-25
600,275
59,594
540,681
1
74.8
15.6
3.9
5.7
BRK.B:22.9%;VNQ:19.4%;HYG:28.9%;IEF:28.9%
US:66.3;EU:7.0;APAC:15.0;EM:10.6;Other:1.1
Value:-0.7;Growth:0.0;Quality:-0.6;Size:+0.5;Momentum:-0.4;LowVol:-0.7
MaxPos6%
5
30
4.7
trailing 8%
142
19.5
Bear
24.1
3.36
2.9
200
-2
53
78
true
Hedge
Buy index puts 1% notional
-3
13
BrokerD
LMT
100
Drift>tolerance
TightenStops
Allocation drift beyond policy bands
-30
-28
3
4
false
Within IPS guidelines
P1729
Hands-off
Trust
USD
2025-11-03
846,396
54,555
791,841
1
67.6
25.4
0
6.9
VOO:14.9%;MSFT:24.2%;XLF:24.2%;BND:24.2%;HYG:12.5%
US:72.3;EU:6.8;APAC:8.8;EM:8.2;Other:3.9
Value:-0.9;Growth:-0.8;Quality:+0.6;Size:+0.5;Momentum:-0.8;LowVol:+0.3
null
8
30
5.3
trailing 8%
124
17.9
Volatile
26.2
4.74
2.3
179
21
68
80
true
Hedge
Buy index puts 1% notional
15
-24
BrokerC
MKT
98
RegimeShift
Hedge
Volatility spike and breadth deterioration
37
-19
142
3
false
Within IPS guidelines
P1730
Hands-off
Roth
USD
2025-02-22
549,871
25,176
524,695
1
57.8
23.4
12.4
6.3
BND:17.5%;TLT:15.4%;HYG:18.5%;AAPL:19.5%;MUB:10.3%;MSFT:18.8%
US:70.8;EU:16.9;APAC:7.1;EM:3.8;Other:1.4
Value:+0.8;Growth:+0.5;Quality:+0.7;Size:-0.9;Momentum:+0.7;LowVol:+0.6
MaxPos8%
8
30
3.4
trailing 8%
169
13.7
Bull
12.1
4.72
2.7
81
105
100
38
false
Rebalance
Shift +1% to bonds from equity
25
-4
BrokerB
LMT
87
null
null
Normal monitoring
-13
-15
126
3
false
Increase defensive factor exposure
P1731
Hands-off
401k
USD
2025-04-15
546,760
35,432
511,328
1
72.6
16.4
5.7
5.3
MUB:19.9%;TLT:26.7%;BND:26.7%;XLF:26.7%
US:70.5;EU:6.7;APAC:11.9;EM:7.0;Other:3.8
Value:-1.0;Growth:+0.2;Quality:+0.8;Size:-0.7;Momentum:-0.6;LowVol:+0.9
ESGOnly
7
25
4
trailing 8%
166
16.7
Sideways
14
4.79
2.9
110
-12
41
61
false
Hedge
Add TLT +1% as duration hedge
16
-15
BrokerB
LMT
93
null
null
Normal monitoring
-59
-53
-14
3
false
Increase defensive factor exposure
P1732
Hands-off
IRA
USD
2024-07-07
356,774
28,399
328,375
1
66.6
24.9
0
8.6
VTI:14.1%;TSLA:18.3%;GLD:16.6%;TLT:18.3%;AMZN:16.2%;IEF:16.6%
US:62.7;EU:20.4;APAC:6.2;EM:10.5;Other:0.2
Value:-0.6;Growth:-0.7;Quality:+0.7;Size:+0.9;Momentum:+0.2;LowVol:+0.2
ESGOnly
5
35
3.7
trailing 8%
164
19.5
Volatile
22.5
4.97
2.1
159
77
99
68
true
Rebalance
Rebalance back to target bands
17
12
BrokerB
MKT
85
VAR>budget
Hedge
Risk above budget threshold
63
18
151
5
false
Monitor dispersion and breadth
P1733
Cautious
Trust
USD
2025-06-20
299,665
44,073
255,592
1
36.7
34.6
10.8
17.9
TLT:25.8%;TSLA:25.8%;VTI:22.7%;GLD:25.8%
US:65.8;EU:18.7;APAC:7.8;EM:4.2;Other:3.5
Value:+0.1;Growth:-0.7;Quality:-0.5;Size:-0.5;Momentum:-0.6;LowVol:+0.7
ESGOnly;MaxPos6%;NoDerivatives;NoMargin
5
25
3.6
trailing 8%
98
13.9
Bull
11.7
4.58
2
110
82
79
35
false
Rebalance
Shift +1% to bonds from equity
20
-34
BrokerA
MKT
87
null
null
Normal monitoring
-8
-43
45
3
false
Within IPS guidelines
P1734
Systematic
Taxable
USD
2025-07-14
1,152,227
69,015
1,083,212
1
55.8
27.9
10.4
5.9
VNQ:16.3%;VOO:23.9%;BND:12.4%;QQQ:23.9%;GLD:23.6%
US:56.5;EU:16.9;APAC:12.0;EM:10.5;Other:4.0
Value:-1.0;Growth:-0.2;Quality:-0.4;Size:-0.6;Momentum:-0.2;LowVol:-0.8
null
6
25
4.4
hard 12%
195
19.2
Sideways
20.4
4.52
3.1
90
39
81
55
false
Sell
Trim extended winner -1%
11
-2
BrokerC
VWAP
91
null
null
Normal monitoring
16
-40
126
3
false
Tighten stops on momentum names
P1735
Cautious
IRA
USD
2024-10-10
886,097
81,782
804,315
1
42.3
32.8
10.2
14.7
BND:21.3%;VNQ:6.8%;AMZN:21.8%;BRK.B:13.2%;HYG:15.1%;XLF:21.8%
US:65.3;EU:16.3;APAC:10.3;EM:7.7;Other:0.5
Value:-0.3;Growth:-0.2;Quality:+0.4;Size:+0.4;Momentum:-0.6;LowVol:+0.2
NoMargin
8
30
3.4
trailing 8%
102
14.8
Volatile
24.1
3.78
4.3
160
-60
33
53
true
Hedge
Buy index puts 1% notional
6
10
BrokerD
MKT
97
Drift>tolerance
Reduce
Allocation drift beyond policy bands
-25
-2
114
3
false
Within IPS guidelines
P1736
Hands-off
IRA
USD
2025-06-12
873,066
61,947
811,119
1
60.8
21.3
10.1
7.7
QQQ:25.2%;HYG:24.5%;GLD:25.2%;BND:25.2%
US:63.9;EU:12.8;APAC:14.2;EM:7.3;Other:1.8
Value:+0.4;Growth:+0.1;Quality:-0.2;Size:+0.8;Momentum:+0.1;LowVol:+0.4
ESGOnly
8
30
5.2
trailing 10%
134
12.3
Sideways
18.5
3.54
3.4
131
-17
39
43
false
Rebalance
Shift +1% to bonds from equity
21
-29
BrokerB
MKT
94
null
null
Normal monitoring
50
10
60
4
false
Monitor dispersion and breadth
P1737
Systematic
IRA
USD
2024-08-03
1,664,655
153,311
1,511,344
1
55.2
27.1
8.4
9.4
IEF:22.6%;TLT:22.6%;AAPL:22.6%;MUB:22.6%;QQQ:9.5%
US:64.0;EU:16.6;APAC:9.3;EM:7.8;Other:2.2
Value:-0.5;Growth:-1.0;Quality:+1.0;Size:-0.7;Momentum:-0.6;LowVol:+0.3
MaxPos6%
8
30
4
trailing 9%
198
23.7
Sideways
15
4.9
3.3
120
52
71
48
false
Hedge
Add TLT +1% as duration hedge
1
13
BrokerC
LMT
97
null
null
Normal monitoring
67
10
61
3
false
Tax-aware sells next window
P1738
Systematic
Taxable
USD
2025-06-03
847,881
78,347
769,534
1
59.5
27.8
3.9
8.7
AMZN:32.4%;AAPL:33.8%;VNQ:33.8%
US:63.8;EU:15.0;APAC:8.8;EM:8.1;Other:4.2
Value:+0.8;Growth:-0.1;Quality:+0.8;Size:+0.6;Momentum:-0.2;LowVol:+0.6
MaxPos5%;NoDerivatives
6
25
5.4
trailing 8%
228
25.9
Sideways
15.4
3.96
3
105
0
43
41
false
Sell
Trim extended winner -1%
0
-37
BrokerD
LMT
99
null
null
Normal monitoring
30
7
36
5
false
Within IPS guidelines
P1739
Hands-off
Trust
USD
2024-07-26
343,658
30,981
312,677
1
63.1
19.8
11.9
5.2
VNQ:33.3%;TLT:33.3%;AMZN:33.3%
US:78.2;EU:7.0;APAC:8.8;EM:3.7;Other:2.3
Value:+0.5;Growth:-0.4;Quality:-0.8;Size:+0.3;Momentum:-0.6;LowVol:+0.5
MaxPos5%
5
30
4
hard 10%
155
13.5
Sideways
17.3
4.14
2.9
126
26
49
49
false
Sell
Trim extended winner -1%
24
-34
BrokerA
MKT
92
null
null
Normal monitoring
33
-43
97
5
false
Tax-aware sells next window
P1740
Systematic
401k
USD
2024-12-15
976,669
40,782
935,887
1
55.2
28.5
11.1
5.2
VNQ:28.1%;TLT:36.0%;MSFT:36.0%
US:61.9;EU:18.7;APAC:14.0;EM:4.3;Other:1.1
Value:+0.2;Growth:+0.3;Quality:+0.4;Size:-0.1;Momentum:-0.8;LowVol:-0.3
null
10
30
4.6
hard 12%
210
22.1
Sideways
18
4.47
3.5
139
-8
51
49
true
Hedge
Buy index puts 1% notional
-4
-26
BrokerB
LMT
92
VAR>budget
Hedge
Risk above budget threshold
93
-43
80
2
false
Tax-aware sells next window
P1741
Systematic
Trust
USD
2025-07-30
1,522,309
125,017
1,397,292
1
62.5
29.8
0
7.7
MSFT:33.3%;VNQ:33.3%;IEF:33.3%
US:66.0;EU:8.2;APAC:17.2;EM:6.8;Other:1.8
Value:+0.3;Growth:+0.8;Quality:+0.3;Size:-0.9;Momentum:0.0;LowVol:-0.4
null
8
30
4.4
trailing 8%
134
22.1
Volatile
22.1
3.76
2.3
165
60
77
66
true
Reduce
Cut high-beta by 2-3%, add cash
-14
-16
BrokerD
LMT
94
RegimeShift
Hedge
Volatility spike and breadth deterioration
98
-14
117
3
false
Within IPS guidelines
P1742
Cautious
Trust
USD
2025-10-16
409,481
47,707
361,774
1
36.1
32.8
19
12.1
IEF:33.3%;AAPL:33.3%;HYG:33.3%
US:71.9;EU:13.0;APAC:8.3;EM:6.0;Other:0.9
Value:+0.9;Growth:-0.2;Quality:-0.8;Size:+0.8;Momentum:-0.7;LowVol:+0.1
ESGOnly;MaxPos5%;NoMargin
5
25
4.5
trailing 8%
170
19.4
Volatile
26.4
5.2
3.7
154
60
67
49
false
Rebalance
Shift +1% to bonds from equity
23
-15
BrokerC
MKT
88
null
null
Normal monitoring
53
-10
107
3
false
Increase defensive factor exposure
P1743
Active
Trust
USD
2024-10-11
2,083,529
214,515
1,869,014
1
58.9
30.2
1.2
9.7
VOO:22.1%;MSFT:20.1%;HYG:18.6%;AAPL:17.0%;BRK.B:22.1%
US:73.9;EU:5.8;APAC:13.3;EM:4.8;Other:2.2
Value:-0.2;Growth:-0.5;Quality:+0.3;Size:+0.6;Momentum:-0.5;LowVol:+0.4
null
7
35
4.6
hard 12%
225
18.1
Bull
12.4
4.38
2.3
109
72
83
39
false
Rebalance
Shift +1% to bonds from equity
-2
5
BrokerB
LMT
94
null
null
Normal monitoring
84
-48
72
3
false
Tax-aware sells next window
P1744
Opportunistic
Roth
USD
2025-11-06
1,352,339
60,421
1,291,918
1
62.3
11.4
20.2
6
AMZN:26.9%;VTI:23.4%;AAPL:26.9%;HYG:22.9%
US:68.1;EU:10.0;APAC:12.4;EM:9.3;Other:0.1
Value:+0.6;Growth:-0.8;Quality:-0.7;Size:+0.3;Momentum:-0.2;LowVol:+0.1
null
6
25
5.5
hard 12%
178
21.8
Sideways
19.2
4.66
3.4
122
-24
50
65
false
Rebalance
Shift +1% to bonds from equity
8
-40
BrokerB
LMT
91
null
null
Normal monitoring
71
-31
99
3
false
Tighten stops on momentum names
P1745
Hands-off
Roth
USD
2025-04-14
635,388
44,075
591,313
1
64.3
27.5
0
8.2
TSLA:28.2%;VOO:28.2%;XLF:28.2%;BND:15.4%
US:68.5;EU:6.7;APAC:6.6;EM:13.0;Other:5.1
Value:-0.5;Growth:-0.7;Quality:-0.6;Size:-0.1;Momentum:-0.9;LowVol:-0.8
null
7
35
4.9
trailing 8%
147
18.4
Bull
14.8
3.99
3.4
116
94
94
51
false
Hedge
Add TLT +1% as duration hedge
-11
-3
BrokerD
LMT
93
null
null
Normal monitoring
70
-54
161
5
false
Within IPS guidelines
P1746
Active
Roth
USD
2024-07-29
567,379
58,361
509,018
1
67
18.8
6.3
7.9
MUB:12.4%;VOO:21.4%;GLD:21.4%;IEF:10.3%;MSFT:18.7%;QQQ:15.8%
US:67.0;EU:15.3;APAC:10.5;EM:6.1;Other:1.1
Value:-0.9;Growth:-0.6;Quality:+0.3;Size:+0.7;Momentum:0.0;LowVol:-0.8
MaxPos6%;NoDerivatives
7
30
4.9
trailing 8%
151
16.4
Volatile
22.9
4.58
3.8
180
30
62
74
true
Hedge
Buy index puts 1% notional
-14
-14
BrokerC
MKT
91
VAR>budget
Reduce
Risk above budget threshold
87
-12
226
2
false
Monitor dispersion and breadth
P1747
Opportunistic
Roth
USD
2025-12-25
1,787,488
137,802
1,649,686
1
63.4
12.8
19.5
4.2
AAPL:33.3%;VTI:33.3%;XLF:33.3%
US:68.3;EU:8.1;APAC:10.1;EM:12.7;Other:0.7
Value:-0.4;Growth:+0.1;Quality:-0.8;Size:+0.7;Momentum:+0.1;LowVol:+0.2
null
8
35
4.4
trailing 7%
198
34.7
Volatile
28.2
4.23
3.1
127
-57
31
76
true
Hedge
Buy index puts 1% notional
-13
-16
BrokerD
LMT
95
Drift>tolerance
TightenStops
Allocation drift beyond policy bands
47
-54
137
5
false
Monitor dispersion and breadth
P1748
Opportunistic
Trust
USD
2025-08-16
699,894
54,859
645,035
1.15
74.7
16.8
0
8.5
XLF:10.5%;HYG:17.0%;GLD:21.5%;MUB:21.5%;TSLA:12.7%;VOO:16.8%
US:64.9;EU:12.0;APAC:12.9;EM:5.4;Other:4.8
Value:-0.7;Growth:+0.3;Quality:-0.0;Size:+0.5;Momentum:+0.2;LowVol:+0.7
NoDerivatives
5
25
5.5
trailing 9%
239
34.3
Volatile
21.6
3.52
2.9
168
77
100
77
true
Hedge
Buy index puts 1% notional
12
-39
BrokerB
LMT
96
Drift>tolerance
Reduce
Allocation drift beyond policy bands
103
-8
217
2
false
Within IPS guidelines
P1749
Systematic
Trust
USD
2025-04-13
462,434
40,747
421,687
1
66.5
21.5
5.7
6.3
QQQ:24.9%;VOO:11.3%;IEF:13.9%;VTI:24.9%;TLT:24.9%
US:70.8;EU:7.8;APAC:13.0;EM:5.8;Other:2.6
Value:0.0;Growth:+0.3;Quality:-0.8;Size:-0.7;Momentum:-0.9;LowVol:-0.5
MaxPos7%
8
30
5.8
trailing 8%
187
27.5
Bear
31.9
3.77
1.8
145
-47
29
74
true
Rebalance
Rebalance back to target bands
12
-27
BrokerA
MKT
94
RegimeShift
TightenStops
Volatility spike and breadth deterioration
-55
-4
48
5
false
Tax-aware sells next window
P1750
Systematic
Taxable
USD
2024-07-09
1,313,538
54,530
1,259,008
1
68.8
25.5
0
5.7
VNQ:33.3%;AAPL:33.3%;AMZN:33.3%
US:56.5;EU:18.6;APAC:14.1;EM:9.2;Other:1.6
Value:+0.9;Growth:-0.6;Quality:-0.2;Size:-0.4;Momentum:0.0;LowVol:-0.4
MaxPos6%
6
35
5.6
trailing 8%
120
21.7
Sideways
20.1
3.71
3.3
140
-9
60
57
false
Sell
Trim extended winner -1%
24
5
BrokerA
LMT
99
null
null
Normal monitoring
29
3
18
5
false
Tax-aware sells next window
P1751
Cautious
Trust
USD
2024-10-21
603,796
82,463
521,333
1
41.2
30.1
15.3
13.5
VTI:22.3%;IEF:21.2%;VOO:22.3%;TSLA:21.5%;AAPL:12.7%
US:54.7;EU:16.4;APAC:14.7;EM:12.6;Other:1.6
Value:-0.0;Growth:0.0;Quality:-0.9;Size:+0.1;Momentum:+0.2;LowVol:-0.8
ESGOnly;NoMargin
8
30
4.8
hard 10%
152
12.2
Volatile
25.5
3.91
3
110
-45
13
54
true
Reduce
Cut high-beta by 2-3%, add cash
-13
-16
BrokerC
LMT
87
RegimeShift
Reduce
Volatility spike and breadth deterioration
78
-30
186
2
false
Tax-aware sells next window
P1752
Cautious
401k
USD
2025-01-25
553,844
62,171
491,673
1
36
39.5
8.9
15.7
XLF:14.5%;BRK.B:23.2%;TLT:18.2%;TSLA:21.0%;MUB:23.2%
US:65.5;EU:10.7;APAC:11.0;EM:10.5;Other:2.4
Value:-0.2;Growth:-0.7;Quality:-0.5;Size:-0.3;Momentum:0.0;LowVol:-0.9
ESGOnly;MaxPos7%;NoMargin
10
25
3.5
hard 10%
167
18.2
Volatile
21.2
5.48
2.7
139
22
56
50
false
Hedge
Add TLT +1% as duration hedge
2
-9
BrokerB
MKT
89
null
null
Normal monitoring
-26
-57
-20
3
false
Monitor dispersion and breadth
P1753
Opportunistic
IRA
USD
2025-04-02
1,211,878
40,833
1,171,045
1
67
19.1
8.2
5.7
MUB:21.5%;VNQ:21.0%;AAPL:21.5%;HYG:14.6%;TLT:21.5%
US:60.5;EU:9.8;APAC:11.9;EM:12.6;Other:5.2
Value:+1.0;Growth:+0.2;Quality:+0.3;Size:+0.1;Momentum:-0.9;LowVol:-0.1
null
6
30
5.8
trailing 7%
259
23.5
Bull
12.4
4.69
2.3
100
57
90
50
false
Sell
Trim extended winner -1%
-13
-11
BrokerD
VWAP
87
null
null
Normal monitoring
87
17
160
3
false
Increase defensive factor exposure
P1754
Systematic
Taxable
USD
2025-12-01
1,035,519
46,333
989,186
1
62.6
21.1
9.1
7.2
XLF:27.5%;QQQ:17.6%;BRK.B:27.5%;TLT:27.5%
US:71.3;EU:6.1;APAC:13.1;EM:5.1;Other:4.5
Value:-0.8;Growth:+1.0;Quality:-0.4;Size:+0.9;Momentum:+0.5;LowVol:+0.8
NoDerivatives
8
25
5.1
trailing 8%
221
22
Volatile
29.4
5.42
2.1
152
-26
23
72
true
Hedge
Buy index puts 1% notional
16
8
BrokerD
LMT
90
VAR>budget
Pause
Risk above budget threshold
56
-28
134
5
true
Monitor dispersion and breadth
P1755
Hands-off
Roth
USD
2025-04-18
204,020
17,567
186,453
1
68.3
16.1
7.6
8
BRK.B:15.2%;VNQ:20.5%;TLT:20.5%;HYG:10.8%;AMZN:13.1%;BND:19.9%
US:70.0;EU:13.4;APAC:6.3;EM:7.5;Other:2.8
Value:-0.7;Growth:-0.6;Quality:+0.7;Size:+0.8;Momentum:0.0;LowVol:-0.4
MaxPos5%
10
25
4.3
hard 10%
147
19.6
Sideways
15.6
3.64
3.1
91
44
73
53
false
Hedge
Add TLT +1% as duration hedge
15
-38
BrokerC
MKT
93
null
null
Normal monitoring
-6
-38
110
5
false
Tax-aware sells next window
P1756
Cautious
Trust
USD
2025-06-10
216,055
21,202
194,853
1
46.4
35.9
0
17.7
AAPL:11.6%;TLT:15.4%;VNQ:18.4%;BND:16.3%;VTI:20.4%;GLD:17.8%
US:68.7;EU:10.1;APAC:9.5;EM:9.5;Other:2.2
Value:-0.8;Growth:-0.8;Quality:-0.3;Size:+0.5;Momentum:+0.6;LowVol:-0.1
ESGOnly;NoMargin
5
35
3.4
hard 10%
111
14.7
Volatile
23.5
3.53
4.3
128
76
80
64
false
Rebalance
Shift +1% to bonds from equity
-10
-26
BrokerB
LMT
94
null
null
Normal monitoring
120
-54
255
3
false
Tighten stops on momentum names
P1757
Hands-off
401k
USD
2025-02-08
177,754
14,297
163,457
1
71.5
21.5
0
7
AMZN:12.9%;BND:17.0%;MUB:16.5%;TLT:20.7%;HYG:14.2%;VTI:18.7%
US:72.2;EU:9.5;APAC:9.4;EM:6.4;Other:2.4
Value:+0.2;Growth:+1.0;Quality:+0.7;Size:+0.7;Momentum:-0.5;LowVol:-0.4
ESGOnly;NoDerivatives
6
25
5.8
trailing 10%
99
13.2
Sideways
16.3
3.53
3.3
134
-28
49
52
false
Buy
Add to core equity +1%
3
-33
BrokerB
VWAP
100
null
null
Normal monitoring
-6
-1
58
3
false
Within IPS guidelines
P1758
Opportunistic
IRA
USD
2025-06-05
616,363
54,479
561,884
1.18
60.3
16
16.8
6.8
QQQ:22.9%;VOO:22.9%;GLD:15.7%;TSLA:15.5%;AAPL:22.9%
US:71.7;EU:10.5;APAC:8.9;EM:4.6;Other:4.3
Value:+0.7;Growth:-0.4;Quality:-0.3;Size:-0.8;Momentum:+0.4;LowVol:+0.8
MaxPos6%
8
30
5.5
trailing 7%
184
25.5
Sideways
17
3.83
2.1
93
-18
52
40
false
Sell
Trim extended winner -1%
3
8
BrokerC
VWAP
89
null
null
Normal monitoring
-34
-29
13
5
false
Tighten stops on momentum names
P1759
Hands-off
Roth
USD
2024-07-24
255,576
18,430
237,146
1
58.8
16.9
16.7
7.6
BRK.B:35.1%;VTI:35.1%;AAPL:29.8%
US:65.9;EU:15.6;APAC:8.0;EM:8.2;Other:2.3
Value:-0.3;Growth:-1.0;Quality:-0.6;Size:-0.6;Momentum:+0.6;LowVol:-0.5
null
10
25
5.8
trailing 8%
121
14.1
Sideways
15.8
4.72
2.8
110
43
77
36
false
Buy
Add to core equity +1%
11
-40
BrokerD
MKT
90
null
null
Normal monitoring
40
-19
114
5
false
Tax-aware sells next window
P1760
Systematic
Roth
USD
2025-03-24
1,072,032
89,904
982,128
1
68
26.2
0
5.8
TSLA:18.7%;MUB:19.9%;BND:14.2%;HYG:20.5%;IEF:6.3%;GLD:20.4%
US:59.2;EU:13.4;APAC:10.4;EM:11.8;Other:5.2
Value:-0.4;Growth:+0.4;Quality:+0.4;Size:-0.6;Momentum:-0.1;LowVol:+0.7
NoDerivatives
8
35
5.3
hard 12%
175
20
Volatile
26.8
4.91
2.1
119
48
63
75
true
Reduce
Cut high-beta by 2-3%, add cash
-1
-30
BrokerA
LMT
92
RegimeShift
Pause
Volatility spike and breadth deterioration
-11
-17
-28
2
false
Within IPS guidelines
P1761
Active
401k
USD
2025-06-10
2,025,362
217,324
1,808,038
1.09
63.4
30
0
6.6
VNQ:18.3%;BRK.B:17.1%;AMZN:18.7%;MUB:12.3%;VOO:15.8%;QQQ:17.8%
US:55.1;EU:18.2;APAC:12.1;EM:10.1;Other:4.4
Value:+1.0;Growth:-0.1;Quality:+0.9;Size:+0.4;Momentum:-0.5;LowVol:-0.7
MaxPos5%;NoDerivatives
7
35
5.8
trailing 9%
139
18.3
Bear
30.3
3.13
1.2
179
-43
35
76
true
Hedge
Buy index puts 1% notional
-3
-30
BrokerA
LMT
97
Drift>tolerance
TightenStops
Allocation drift beyond policy bands
-54
12
-83
5
false
Tighten stops on momentum names
P1762
Systematic
Roth
USD
2025-08-20
1,001,744
70,976
930,768
1
61.7
31.9
0
6.4
VTI:15.6%;TSLA:23.9%;QQQ:16.0%;MUB:23.9%;TLT:20.7%
US:67.2;EU:17.9;APAC:9.5;EM:4.4;Other:1.0
Value:+0.8;Growth:-0.7;Quality:+0.8;Size:-0.9;Momentum:-0.8;LowVol:+0.1
MaxPos8%
8
30
5.3
hard 12%
126
27.3
Bull
11.1
4.17
2.6
83
118
100
39
false
Buy
Add to core equity +1%
-10
-1
BrokerD
MKT
95
null
null
Normal monitoring
80
16
147
3
false
Tax-aware sells next window
P1763
Active
IRA
USD
2025-02-03
1,510,768
146,462
1,364,306
1
51.6
19.1
20.7
8.6
AMZN:35.3%;MUB:29.4%;TLT:35.3%
US:71.0;EU:14.8;APAC:5.0;EM:4.7;Other:4.5
Value:-0.2;Growth:-0.5;Quality:+0.7;Size:-0.6;Momentum:-0.7;LowVol:+0.4
null
5
25
5.4
trailing 8%
157
24.5
Bull
11.8
3.61
2.3
80
27
59
38
false
Rebalance
Shift +1% to bonds from equity
26
-6
BrokerB
LMT
85
null
null
Normal monitoring
51
1
124
4
false
Tax-aware sells next window
P1764
Cautious
Roth
USD
2025-10-27
223,426
22,695
200,731
1
42
34.7
8.5
14.8
MSFT:24.3%;MUB:19.3%;BRK.B:28.2%;HYG:28.2%
US:72.5;EU:8.3;APAC:9.8;EM:7.6;Other:1.8
Value:-0.7;Growth:-0.6;Quality:-0.4;Size:+0.5;Momentum:-0.9;LowVol:+0.6
ESGOnly;MaxPos8%;NoDerivatives;NoMargin
10
35
3.7
trailing 10%
150
17.4
Bull
11.6
4.92
2.4
81
115
100
35
false
Rebalance
Shift +1% to bonds from equity
15
-36
BrokerC
VWAP
86
null
null
Normal monitoring
48
-52
76
4
false
Increase defensive factor exposure
P1765
Opportunistic
Trust
USD
2025-09-16
1,235,910
98,752
1,137,158
1
72.5
10.4
8.3
8.8
TSLA:20.3%;BND:26.3%;XLF:26.7%;MSFT:26.7%
US:64.6;EU:14.9;APAC:10.7;EM:6.7;Other:3.0
Value:-0.1;Growth:-0.6;Quality:-0.7;Size:-0.8;Momentum:+0.1;LowVol:+0.9
MaxPos6%
10
30
4.6
trailing 7%
209
27.5
Bull
12.5
4.71
3.4
90
17
47
38
false
NoAction
Within bands; monitor
0
-7
BrokerC
MKT
0
null
null
Normal monitoring
10
18
93
3
false
Tighten stops on momentum names
P1766
Cautious
Taxable
USD
2025-08-10
799,253
123,772
675,481
1
40.8
43.2
0
16
TLT:20.3%;BND:16.3%;AAPL:15.2%;TSLA:14.2%;MSFT:19.7%;VNQ:14.3%
US:69.4;EU:9.7;APAC:9.1;EM:8.4;Other:3.5
Value:-0.8;Growth:+0.2;Quality:-0.3;Size:-0.6;Momentum:-0.4;LowVol:+0.4
MaxPos8%;NoDerivatives;NoMargin
10
30
3.4
trailing 8%
127
17
Volatile
28.8
5.46
3.5
128
37
62
72
true
Reduce
Cut high-beta by 2-3%, add cash
16
-25
BrokerC
VWAP
96
RegimeShift
Pause
Volatility spike and breadth deterioration
85
-22
116
5
false
Tighten stops on momentum names
P1767
Opportunistic
Roth
USD
2025-04-18
681,847
60,979
620,868
1.05
75.1
20.8
0
4.1
BRK.B:21.1%;TLT:26.3%;XLF:26.3%;BND:26.3%
US:63.2;EU:10.6;APAC:10.5;EM:10.8;Other:4.9
Value:+0.3;Growth:-0.2;Quality:+0.9;Size:-0.0;Momentum:+0.5;LowVol:-0.1
NoDerivatives
8
35
4.7
trailing 7%
194
28.4
Bear
34.5
4.43
1.4
165
-48
16
100
true
Rebalance
Rebalance back to target bands
3
-24
BrokerD
MKT
95
RegimeShift
Hedge
Volatility spike and breadth deterioration
-36
-39
82
3
true
Tax-aware sells next window
P1768
Systematic
Taxable
USD
2024-08-17
1,465,013
122,361
1,342,652
1
59.5
31.5
0
9
VNQ:36.5%;QQQ:36.5%;VOO:27.0%
US:72.8;EU:10.1;APAC:12.9;EM:2.9;Other:1.2
Value:+0.9;Growth:+0.8;Quality:+0.8;Size:-0.4;Momentum:+0.8;LowVol:-0.7
MaxPos6%;NoDerivatives
8
25
4.3
trailing 8%
146
21
Bear
23.2
3.77
1.2
173
-27
27
71
true
Reduce
Cut high-beta by 2-3%, add cash
9
-16
BrokerD
MKT
95
Drift>tolerance
Pause
Allocation drift beyond policy bands
18
5
141
2
false
Monitor dispersion and breadth
P1769
Opportunistic
Trust
USD
2025-07-25
997,174
49,010
948,164
1
62.8
15.3
17.7
4.2
TSLA:19.0%;IEF:28.7%;XLF:28.7%;AMZN:23.6%
US:70.1;EU:7.2;APAC:14.3;EM:7.5;Other:0.8
Value:+0.7;Growth:-0.4;Quality:+0.5;Size:-0.3;Momentum:+0.5;LowVol:+0.7
NoDerivatives
8
25
4.2
trailing 9%
179
22.8
Bull
17.9
4.25
3.2
98
62
85
44
false
Rebalance
Shift +1% to bonds from equity
0
-28
BrokerC
LMT
97
null
null
Normal monitoring
25
-48
134
3
false
Within IPS guidelines
P1770
Active
Trust
USD
2025-10-15
1,217,661
110,407
1,107,254
1
67.9
21.2
3.1
7.8
MSFT:27.8%;QQQ:27.8%;AAPL:16.6%;HYG:27.8%
US:70.5;EU:14.8;APAC:6.1;EM:6.0;Other:2.6
Value:-0.1;Growth:-0.1;Quality:+0.6;Size:-0.7;Momentum:-0.0;LowVol:-0.3
MaxPos7%
7
35
4.9
hard 12%
123
16.5
Bull
17.6
4.64
2.5
102
49
77
60
false
Sell
Trim extended winner -1%
6
-16
BrokerD
VWAP
94
null
null
Normal monitoring
6
-22
140
5
false
Monitor dispersion and breadth
P1771
Opportunistic
Trust
USD
2024-07-24
1,222,300
71,729
1,150,571
1
62.1
12.7
19.3
5.9
AMZN:26.5%;HYG:26.5%;IEF:26.5%;MSFT:20.4%
US:67.2;EU:13.2;APAC:12.2;EM:6.8;Other:0.6
Value:-0.8;Growth:+0.1;Quality:0.0;Size:+0.8;Momentum:0.0;LowVol:-0.6
MaxPos6%
8
25
5
hard 12%
220
28.2
Sideways
21.1
3.77
3.2
93
-14
33
69
false
Rebalance
Shift +1% to bonds from equity
8
-28
BrokerD
LMT
96
null
null
Normal monitoring
47
-58
103
4
false
Increase defensive factor exposure
P1772
Active
Roth
USD
2025-01-16
2,000,349
215,207
1,785,142
1
61.5
22.1
10
6.4
BRK.B:25.4%;VNQ:25.4%;IEF:25.4%;XLF:23.9%
US:60.5;EU:14.1;APAC:10.1;EM:10.5;Other:4.7
Value:+0.9;Growth:-0.0;Quality:-0.4;Size:-0.9;Momentum:+0.3;LowVol:+0.4
null
5
35
4.7
trailing 9%
214
26.9
Bull
11.7
4.27
2.8
91
74
100
40
false
Buy
Add to core equity +1%
-10
5
BrokerC
VWAP
100
null
null
Normal monitoring
4
11
-9
5
false
Tighten stops on momentum names
P1773
Cautious
Taxable
USD
2025-11-05
577,878
88,510
489,368
1
49.3
30.7
2.6
17.5
QQQ:26.7%;AAPL:26.7%;TSLA:24.1%;BND:22.6%
US:60.8;EU:14.5;APAC:11.1;EM:13.2;Other:0.4
Value:+0.6;Growth:-0.3;Quality:+0.4;Size:-0.0;Momentum:+0.3;LowVol:-1.0
MaxPos5%;NoMargin
7
35
5.4
trailing 8%
121
16.9
Bull
16.4
3.78
3.4
89
66
84
52
false
Rebalance
Shift +1% to bonds from equity
5
-29
BrokerB
MKT
90
null
null
Normal monitoring
-20
-14
105
3
false
Tax-aware sells next window
P1774
Hands-off
Taxable
USD
2025-04-23
223,732
17,118
206,614
1
68.1
16.4
5.9
9.7
IEF:33.3%;HYG:33.3%;TLT:33.3%
US:58.2;EU:14.0;APAC:12.3;EM:11.0;Other:4.5
Value:+0.1;Growth:-0.5;Quality:-0.3;Size:+0.8;Momentum:+0.8;LowVol:+0.2
ESGOnly
7
35
3.4
hard 10%
111
16
Sideways
15.6
4.41
2.9
133
42
86
48
false
Sell
Trim extended winner -1%
-14
14
BrokerC
LMT
94
null
null
Normal monitoring
-52
-43
55
5
false
Within IPS guidelines
P1775
Cautious
Trust
USD
2025-08-31
558,459
75,425
483,034
1
47.8
38
0
14.1
BRK.B:25.6%;AMZN:25.9%;TLT:25.9%;VOO:22.6%
US:63.4;EU:16.3;APAC:7.3;EM:10.3;Other:2.7
Value:0.0;Growth:-0.1;Quality:-0.3;Size:-0.6;Momentum:-0.2;LowVol:-0.2
ESGOnly;MaxPos6%;NoDerivatives;NoMargin
7
30
3.9
hard 10%
145
16.1
Bear
27.5
3.54
2.7
199
-11
40
58
false
Rebalance
Shift +1% to bonds from equity
31
-31
BrokerC
LMT
98
null
null
Normal monitoring
40
-60
46
3
false
Tax-aware sells next window
P1776
Hands-off
Trust
USD
2024-10-31
334,720
28,486
306,234
1
61.6
21.1
7.4
9.9
BRK.B:10.7%;VOO:23.4%;QQQ:8.0%;IEF:17.4%;TSLA:17.1%;AAPL:23.4%
US:69.8;EU:13.9;APAC:7.5;EM:4.8;Other:3.9
Value:-0.7;Growth:+0.3;Quality:-0.7;Size:-0.5;Momentum:-0.4;LowVol:+1.0
ESGOnly;MaxPos5%
5
30
5.1
trailing 8%
169
12.9
Bull
15.7
4.81
2.1
90
28
77
51
false
Hedge
Add TLT +1% as duration hedge
30
7
BrokerC
MKT
95
null
null
Normal monitoring
60
11
147
4
false
Tighten stops on momentum names
P1777
Cautious
Roth
USD
2025-12-23
522,163
64,497
457,666
1
42.1
40.6
0
17.3
MUB:33.3%;GLD:33.3%;BRK.B:33.3%
US:63.9;EU:14.7;APAC:9.7;EM:7.0;Other:4.7
Value:-0.2;Growth:-0.8;Quality:-0.7;Size:+0.7;Momentum:+1.0;LowVol:-0.6
NoMargin
7
25
4.5
hard 10%
158
13.6
Bear
32.6
3.81
1.6
182
-20
44
79
true
Hedge
Buy index puts 1% notional
12
-13
BrokerB
LMT
91
VAR>budget
Reduce
Risk above budget threshold
-37
-18
1
3
false
Tax-aware sells next window
P1778
Hands-off
Roth
USD
2024-09-23
577,239
45,104
532,135
1
73.4
15.7
1.7
9.2
XLF:14.6%;AMZN:24.1%;GLD:24.1%;AAPL:13.6%;BND:13.7%;QQQ:9.9%
US:66.4;EU:12.3;APAC:12.8;EM:4.5;Other:4.0
Value:+0.8;Growth:-0.2;Quality:-0.1;Size:+0.4;Momentum:-0.8;LowVol:-0.9
NoDerivatives
5
25
4.6
hard 10%
139
15.3
Bull
14.5
4.88
2
115
45
58
52
false
Sell
Trim extended winner -1%
9
-35
BrokerD
VWAP
87
null
null
Normal monitoring
-4
5
97
4
false
Increase defensive factor exposure
P1779
Hands-off
IRA
USD
2025-01-30
172,046
16,016
156,030
1
57.9
17.6
14.8
9.6
GLD:17.2%;VNQ:18.7%;TLT:21.9%;IEF:21.9%;TSLA:8.7%;BND:11.5%
US:63.4;EU:16.7;APAC:13.5;EM:3.3;Other:3.1
Value:-0.3;Growth:+0.7;Quality:0.0;Size:-0.7;Momentum:0.0;LowVol:-0.6
ESGOnly
8
25
5.2
hard 10%
141
18.2
Bull
15
4.08
2.6
90
61
91
47
false
Rebalance
Shift +1% to bonds from equity
24
-17
BrokerA
LMT
85
null
null
Normal monitoring
81
1
118
3
false
Tax-aware sells next window
P1780
Hands-off
Roth
USD
2024-09-22
603,484
40,561
562,923
1
67.7
23.4
0
8.9
QQQ:22.4%;HYG:21.2%;AMZN:22.4%;XLF:18.7%;TLT:15.3%
US:71.0;EU:10.8;APAC:8.9;EM:8.3;Other:0.9
Value:+0.4;Growth:-0.1;Quality:+0.7;Size:+0.9;Momentum:+0.4;LowVol:-0.0
NoDerivatives
5
25
5
trailing 8%
105
17.1
Sideways
14.9
4.45
3
120
-24
47
40
false
Buy
Add to core equity +1%
8
12
BrokerB
LMT
89
null
null
Normal monitoring
-34
13
102
4
false
Tax-aware sells next window
P1781
Systematic
IRA
USD
2025-03-05
1,518,539
89,777
1,428,762
1
62.9
30.3
0
6.8
VTI:25.8%;VNQ:25.8%;XLF:12.1%;HYG:10.5%;AMZN:25.8%
US:67.3;EU:12.8;APAC:10.6;EM:6.3;Other:3.0
Value:+0.7;Growth:-0.4;Quality:+0.1;Size:-0.8;Momentum:-0.8;LowVol:-0.8
MaxPos7%
8
35
4.5
trailing 8%
151
20.1
Bull
16
4.42
3.3
98
79
78
58
false
Rebalance
Shift +1% to bonds from equity
35
10
BrokerC
LMT
100
null
null
Normal monitoring
70
-52
116
4
false
Increase defensive factor exposure
P1782
Opportunistic
Taxable
USD
2025-01-30
1,504,957
127,555
1,377,402
1
63.3
19.5
10
7.2
MUB:21.3%;VOO:9.1%;IEF:16.2%;VNQ:21.3%;HYG:21.2%;AMZN:10.8%
US:75.9;EU:6.0;APAC:6.5;EM:8.2;Other:3.3
Value:-0.0;Growth:+0.2;Quality:-0.8;Size:-0.8;Momentum:+0.9;LowVol:+0.8
MaxPos5%
5
30
6
trailing 7%
238
29.7
Volatile
31.3
3.59
2.3
179
-1
39
89
true
Hedge
Buy index puts 1% notional
14
-15
BrokerC
VWAP
96
VAR>budget
Hedge
Risk above budget threshold
14
-57
41
5
false
Monitor dispersion and breadth
P1783
Hands-off
Roth
USD
2025-09-01
554,351
49,986
504,365
1
66.1
15.1
9.6
9.1
TSLA:33.3%;AMZN:33.3%;VOO:33.3%
US:68.3;EU:16.1;APAC:6.7;EM:4.8;Other:4.1
Value:-1.0;Growth:+0.4;Quality:+0.5;Size:0.0;Momentum:+0.8;LowVol:-0.5
null
7
25
5.7
trailing 8%
96
14.2
Bull
17.4
4.63
3.5
99
107
100
46
false
Buy
Add to core equity +1%
4
-35
BrokerC
MKT
85
null
null
Normal monitoring
75
19
140
4
false
Increase defensive factor exposure
P1784
Hands-off
401k
USD
2024-11-02
159,844
7,231
152,613
1
68.7
16.6
6.5
8.2
MUB:28.4%;VNQ:28.4%;VOO:23.4%;TSLA:19.8%
US:67.9;EU:6.0;APAC:11.8;EM:10.1;Other:4.1
Value:+0.8;Growth:-0.6;Quality:-0.8;Size:-0.0;Momentum:-0.8;LowVol:-0.7
MaxPos7%;NoDerivatives
8
25
4.8
trailing 8%
137
17.8
Bull
13.9
4.06
2.8
102
110
100
43
false
Rebalance
Shift +1% to bonds from equity
35
-5
BrokerA
MKT
94
null
null
Normal monitoring
34
3
99
3
false
Tighten stops on momentum names
P1785
Hands-off
Taxable
USD
2024-08-01
713,229
49,919
663,310
1
61
16.2
15.1
7.6
VTI:21.3%;AAPL:15.9%;AMZN:17.7%;GLD:14.6%;MSFT:17.6%;BRK.B:12.9%
US:66.3;EU:9.3;APAC:11.6;EM:9.5;Other:3.3
Value:+0.7;Growth:-0.6;Quality:+0.7;Size:-0.3;Momentum:+0.4;LowVol:-0.4
null
5
30
4.4
hard 10%
119
17.9
Sideways
16.1
3.64
2.6
125
45
82
42
false
Buy
Add to core equity +1%
-15
-12
BrokerA
MKT
86
null
null
Normal monitoring
-33
-31
69
4
false
Tax-aware sells next window
P1786
Active
401k
USD
2024-09-28
1,242,899
118,556
1,124,343
1
57.4
18.3
18.4
6
VOO:25.0%;MSFT:25.0%;VTI:25.0%;QQQ:25.0%
US:64.1;EU:14.8;APAC:11.7;EM:6.2;Other:3.1
Value:+0.5;Growth:-0.5;Quality:-0.5;Size:-0.3;Momentum:+0.3;LowVol:-0.2
null
7
30
5.7
trailing 8%
218
23.1
Bull
17.7
4.59
2.3
77
116
100
52
false
Rebalance
Shift +1% to bonds from equity
21
-40
BrokerB
VWAP
85
null
null
Normal monitoring
102
-58
198
3
false
Tighten stops on momentum names
P1787
Opportunistic
Trust
USD
2024-11-03
1,539,304
72,677
1,466,627
1.12
70.6
10.8
11.1
7.6
VOO:24.1%;AAPL:14.2%;QQQ:24.1%;MUB:13.4%;BRK.B:24.1%
US:74.0;EU:8.2;APAC:8.1;EM:9.3;Other:0.4
Value:+0.6;Growth:+0.1;Quality:+0.9;Size:+0.3;Momentum:-0.4;LowVol:-0.5
MaxPos7%
6
30
4.4
hard 12%
170
21.4
Volatile
29.5
4.3
3.8
112
-18
50
79
true
Reduce
Cut high-beta by 2-3%, add cash
-4
-27
BrokerB
MKT
90
VAR>budget
Hedge
Risk above budget threshold
19
-47
80
4
false
Within IPS guidelines
P1788
Cautious
Taxable
USD
2024-12-29
310,012
37,703
272,309
1
44.3
41.9
1.8
12
HYG:33.3%;VOO:33.3%;BND:33.3%
US:69.6;EU:12.0;APAC:14.6;EM:3.6;Other:0.3
Value:+0.5;Growth:+0.1;Quality:+0.6;Size:+0.3;Momentum:-0.7;LowVol:-0.9
ESGOnly;MaxPos5%;NoMargin
8
30
3.4
trailing 8%
147
18.1
Volatile
27.5
5.32
2.4
143
-32
45
70
false
Rebalance
Shift +1% to bonds from equity
4
-3
BrokerD
VWAP
99
null
null
Normal monitoring
-10
-20
40
5
false
Tighten stops on momentum names
P1789
Cautious
IRA
USD
2024-11-09
706,679
60,328
646,351
1
46.8
38
0
15.1
BRK.B:23.6%;GLD:14.6%;TLT:23.6%;IEF:23.6%;MSFT:14.7%
US:68.7;EU:9.0;APAC:7.6;EM:10.7;Other:4.2
Value:-0.7;Growth:-0.1;Quality:+0.7;Size:-0.1;Momentum:+0.6;LowVol:-0.5
NoMargin
5
35
4.3
trailing 8%
152
17.4
Volatile
23.8
3.73
2.7
134
-3
37
51
true
Reduce
Cut high-beta by 2-3%, add cash
-11
-33
BrokerD
MKT
88
VAR>budget
Hedge
Risk above budget threshold
110
-39
232
3
false
Tax-aware sells next window
P1790
Opportunistic
Trust
USD
2025-09-22
1,047,678
92,244
955,434
1
74.7
20.6
0.1
4.6
BND:33.3%;HYG:33.3%;AAPL:33.3%
US:61.5;EU:9.5;APAC:16.5;EM:10.7;Other:1.9
Value:+0.6;Growth:+0.3;Quality:-0.2;Size:-0.8;Momentum:-0.7;LowVol:-0.8
MaxPos8%
7
30
5.2
trailing 9%
203
24.1
Bear
23
3.07
2.5
212
-21
34
73
true
Rebalance
Rebalance back to target bands
35
14
BrokerB
LMT
93
Drift>tolerance
Reduce
Allocation drift beyond policy bands
97
-35
135
5
false
Tax-aware sells next window
P1791
Opportunistic
Taxable
USD
2025-10-20
1,417,692
70,260
1,347,432
1
64.4
18.8
9.4
7.4
MUB:33.3%;BND:33.3%;AAPL:33.3%
US:65.1;EU:13.0;APAC:11.1;EM:6.6;Other:4.2
Value:-1.0;Growth:-0.8;Quality:-0.9;Size:-0.8;Momentum:-0.9;LowVol:+0.3
MaxPos7%
10
30
6.6
trailing 7%
248
25.4
Bull
17.8
4.47
2.8
95
102
96
58
false
Buy
Add to core equity +1%
-10
1
BrokerC
LMT
93
null
null
Normal monitoring
-21
6
-60
3
false
Tighten stops on momentum names
P1792
Cautious
401k
USD
2024-10-07
870,389
117,719
752,670
1
39.8
30.9
15
14.3
VOO:21.7%;XLF:22.4%;IEF:18.8%;MUB:22.4%;AAPL:14.8%
US:65.5;EU:15.8;APAC:11.5;EM:6.7;Other:0.6
Value:-0.8;Growth:0.0;Quality:+0.6;Size:+0.4;Momentum:-0.2;LowVol:+0.1
NoMargin
10
35
3.8
trailing 8%
128
15.4
Sideways
15.5
4.65
2.9
109
-8
44
32
false
Sell
Trim extended winner -1%
27
-6
BrokerA
LMT
93
null
null
Normal monitoring
85
-15
69
4
false
Within IPS guidelines
P1793
Active
Taxable
USD
2025-10-02
643,979
49,188
594,791
1.13
52
24.7
16.7
6.6
MUB:33.3%;TSLA:33.3%;VTI:33.3%
US:71.5;EU:11.7;APAC:5.0;EM:11.4;Other:0.3
Value:+1.0;Growth:-0.0;Quality:+0.7;Size:-0.8;Momentum:-0.1;LowVol:-0.7
MaxPos5%
6
35
5.3
hard 12%
212
21.4
Sideways
21.7
3.74
2
134
57
80
57
false
Rebalance
Shift +1% to bonds from equity
15
-16
BrokerC
MKT
86
null
null
Normal monitoring
-39
-37
-26
3
false
Monitor dispersion and breadth
P1794
Cautious
Taxable
USD
2025-12-02
280,328
24,925
255,403
1
39.6
35.3
9.8
15.3
AAPL:10.8%;TLT:23.5%;BND:23.1%;MUB:19.0%;VNQ:23.5%
US:78.4;EU:9.1;APAC:6.5;EM:5.3;Other:0.7
Value:-0.7;Growth:-0.5;Quality:-0.7;Size:+0.6;Momentum:+0.1;LowVol:-0.7
ESGOnly;MaxPos7%;NoMargin
5
25
5.6
trailing 10%
164
18.6
Bull
12.9
3.85
3
100
96
83
19
false
Sell
Trim extended winner -1%
-6
-29
BrokerC
LMT
93
null
null
Normal monitoring
6
-14
71
5
false
Within IPS guidelines
P1795
Hands-off
IRA
USD
2024-09-17
770,131
72,998
697,133
1
66.6
17.2
6.3
9.8
VOO:17.1%;BND:24.3%;QQQ:13.9%;TLT:24.3%;MSFT:20.3%
US:75.9;EU:6.6;APAC:8.9;EM:5.0;Other:3.6
Value:+0.6;Growth:+0.5;Quality:-0.8;Size:-0.1;Momentum:-0.5;LowVol:+0.5
null
6
30
5.7
trailing 10%
160
15.5
Bear
31.7
3.16
2.3
203
-2
43
76
true
Rebalance
Rebalance back to target bands
-10
-21
BrokerC
LMT
88
RegimeShift
TightenStops
Volatility spike and breadth deterioration
-22
-37
19
2
false
Tighten stops on momentum names
P1796
Systematic
Taxable
USD
2025-07-22
1,163,749
104,485
1,059,264
1
59.8
24.6
6.2
9.4
MUB:13.2%;IEF:21.9%;AMZN:21.9%;GLD:21.9%;TSLA:14.1%;VNQ:6.9%
US:65.3;EU:14.2;APAC:7.8;EM:7.7;Other:5.0
Value:-1.0;Growth:+0.6;Quality:-0.1;Size:-0.2;Momentum:-0.9;LowVol:-0.4
null
10
30
4.6
hard 12%
149
17.8
Sideways
16.7
3.7
2.3
120
51
87
45
false
Buy
Add to core equity +1%
-11
-16
BrokerD
MKT
91
null
null
Normal monitoring
-31
18
74
3
false
Tax-aware sells next window
P1797
Cautious
Taxable
USD
2025-10-04
696,294
85,527
610,767
1
39.9
41
2.6
16.5
BND:33.3%;MSFT:33.3%;HYG:33.3%
US:65.0;EU:14.8;APAC:7.2;EM:9.5;Other:3.5
Value:-0.7;Growth:-0.6;Quality:+0.9;Size:+0.1;Momentum:-0.1;LowVol:-0.5
ESGOnly;NoMargin
8
25
3.8
trailing 8%
111
19.3
Bull
12.6
4.02
3.5
77
117
100
26
false
Rebalance
Shift +1% to bonds from equity
3
-12
BrokerD
LMT
90
null
null
Normal monitoring
96
-21
204
3
false
Tax-aware sells next window
P1798
Cautious
Trust
USD
2024-12-18
844,555
121,732
722,823
1
38
33
12.4
16.6
BND:24.4%;QQQ:24.4%;AMZN:24.4%;VTI:15.4%;HYG:11.4%
US:60.9;EU:14.3;APAC:9.6;EM:10.3;Other:4.8
Value:+0.2;Growth:-0.6;Quality:-0.3;Size:+0.5;Momentum:-0.6;LowVol:-0.8
NoMargin
8
25
3
trailing 8%
111
18.7
Sideways
17.7
3.58
2.9
137
31
61
42
false
Rebalance
Shift +1% to bonds from equity
29
-39
BrokerD
LMT
87
null
null
Normal monitoring
111
-16
100
4
false
Tax-aware sells next window
P1799
Active
IRA
USD
2024-08-24
891,387
83,826
807,561
1
65.9
21.6
7.1
5.4
HYG:26.1%;VTI:26.1%;QQQ:26.1%;TSLA:21.6%
US:73.2;EU:6.3;APAC:13.5;EM:3.7;Other:3.4
Value:+0.6;Growth:-0.3;Quality:+0.2;Size:-0.3;Momentum:-0.6;LowVol:-0.8
MaxPos5%
8
35
5.2
hard 12%
181
18.7
Volatile
31.7
5.37
4.5
145
5
47
86
true
Reduce
Cut high-beta by 2-3%, add cash
10
-1
BrokerD
MKT
90
Drift>tolerance
Hedge
Allocation drift beyond policy bands
-1
-32
59
5
false
Within IPS guidelines
P1800
Systematic
401k
USD
2025-08-31
1,917,377
106,147
1,811,230
1
57.7
24.6
10.7
6.9
VNQ:20.6%;AAPL:26.5%;MUB:26.5%;TLT:26.5%
US:64.8;EU:14.5;APAC:6.6;EM:12.4;Other:1.8
Value:+0.4;Growth:+0.3;Quality:-0.1;Size:-0.6;Momentum:+0.1;LowVol:-0.3
null
6
35
5.3
hard 12%
221
23.7
Volatile
22.3
5.12
2.5
160
-7
41
50
false
Buy
Add to core equity +1%
-12
-35
BrokerA
LMT
89
null
null
Normal monitoring
-16
-23
27
5
false
Within IPS guidelines