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
P2001
Active
Roth
USD
2025-02-18
600,561
51,374
549,187
1
61.6
31.2
0
7.1
AAPL:20.7%;QQQ:21.0%;HYG:22.7%;IEF:22.7%;AMZN:13.0%
US:65.8;EU:13.0;APAC:15.9;EM:5.1;Other:0.2
Value:-0.9;Growth:-0.3;Quality:+0.8;Size:+0.1;Momentum:-0.4;LowVol:+0.2
MaxPos6%;NoDerivatives
8
30
4.6
hard 12%
182
19.6
Volatile
24
5.3
4.1
158
4
48
60
false
Rebalance
Shift +1% to bonds from equity
-8
-29
BrokerB
MKT
92
null
null
Normal monitoring
34
3
-6
3
false
Monitor dispersion and breadth
P2002
Cautious
IRA
USD
2025-10-08
413,924
65,228
348,696
1
46.6
41.9
0
11.5
VNQ:37.6%;VOO:24.7%;VTI:37.6%
US:64.5;EU:16.3;APAC:7.6;EM:7.4;Other:4.2
Value:-0.4;Growth:+0.6;Quality:-0.9;Size:-0.5;Momentum:-0.5;LowVol:+0.9
MaxPos6%;NoDerivatives;NoMargin
5
30
3.3
trailing 10%
129
17.7
Sideways
14.9
4.94
2.4
121
11
40
37
false
Buy
Add to core equity +1%
7
-40
BrokerA
LMT
91
null
null
Normal monitoring
110
-29
115
3
false
Tax-aware sells next window
P2003
Cautious
Trust
USD
2024-11-22
668,879
100,070
568,809
1
49.4
37.7
0
12.9
AAPL:33.3%;MUB:33.3%;VTI:33.3%
US:65.1;EU:11.4;APAC:12.3;EM:6.2;Other:4.9
Value:+0.8;Growth:+1.0;Quality:-0.5;Size:+0.8;Momentum:+0.1;LowVol:-0.3
ESGOnly;MaxPos7%;NoMargin
6
35
4.7
trailing 10%
97
12.8
Volatile
26.3
3.64
2.2
136
7
68
56
false
Buy
Add to core equity +1%
6
15
BrokerC
MKT
98
null
null
Normal monitoring
-11
11
86
3
false
Within IPS guidelines
P2004
Opportunistic
Trust
USD
2025-07-30
1,324,217
94,181
1,230,036
1
71.8
15.2
7.8
5.1
BND:25.4%;XLF:25.4%;GLD:23.9%;HYG:25.4%
US:63.9;EU:16.8;APAC:8.0;EM:7.0;Other:4.3
Value:+0.3;Growth:-0.5;Quality:-0.9;Size:+0.4;Momentum:+0.9;LowVol:0.0
null
7
25
6.2
trailing 7%
262
25.7
Volatile
24.1
5.44
3.8
128
-12
53
81
true
Rebalance
Rebalance back to target bands
-7
-21
BrokerD
VWAP
89
Drift>tolerance
Hedge
Allocation drift beyond policy bands
43
15
100
2
false
Within IPS guidelines
P2005
Cautious
Taxable
USD
2025-04-22
577,968
85,768
492,200
1
50.3
37.2
2.2
10.3
BND:24.1%;VTI:25.3%;MSFT:25.3%;XLF:25.3%
US:60.0;EU:15.8;APAC:11.5;EM:9.0;Other:3.7
Value:-0.7;Growth:+0.3;Quality:+0.9;Size:-0.4;Momentum:+1.0;LowVol:-0.1
MaxPos8%;NoMargin
6
25
5.5
trailing 8%
92
19.7
Volatile
23.4
4.1
2.2
178
-23
45
52
false
Hedge
Add TLT +1% as duration hedge
1
-15
BrokerA
LMT
100
null
null
Normal monitoring
57
18
112
5
false
Monitor dispersion and breadth
P2006
Hands-off
Taxable
USD
2025-01-17
355,575
19,436
336,139
1
72.1
18
0
9.8
MUB:17.5%;TLT:27.5%;VTI:27.5%;TSLA:27.5%
US:62.3;EU:15.8;APAC:13.1;EM:8.6;Other:0.2
Value:+1.0;Growth:-0.6;Quality:-0.4;Size:-0.3;Momentum:0.0;LowVol:+0.1
ESGOnly
6
30
3
hard 10%
164
14.6
Bull
11.2
4.14
3.1
90
58
82
44
false
Hedge
Add TLT +1% as duration hedge
13
-9
BrokerB
LMT
86
null
null
Normal monitoring
-46
-45
-84
3
false
Within IPS guidelines
P2007
Cautious
IRA
USD
2024-09-03
428,829
35,373
393,456
1
46.1
36.6
1.5
15.7
GLD:12.7%;AMZN:16.3%;BND:23.7%;HYG:23.7%;IEF:23.7%
US:63.4;EU:18.3;APAC:7.8;EM:5.7;Other:4.8
Value:-1.0;Growth:+0.4;Quality:+0.7;Size:+0.9;Momentum:-0.0;LowVol:+0.7
NoMargin
8
30
4.7
trailing 10%
103
19.8
Volatile
28.2
3.53
2.5
173
-19
34
73
true
Rebalance
Rebalance back to target bands
19
-8
BrokerD
MKT
93
Drift>tolerance
Hedge
Allocation drift beyond policy bands
43
-27
123
3
true
Tighten stops on momentum names
P2008
Opportunistic
Roth
USD
2025-01-05
1,308,208
114,460
1,193,748
1.12
72.6
15.4
5.1
6.9
AMZN:11.2%;IEF:14.8%;MSFT:18.2%;BND:21.7%;XLF:21.7%;QQQ:12.3%
US:64.9;EU:16.1;APAC:12.0;EM:5.8;Other:1.2
Value:+0.7;Growth:-0.5;Quality:+0.3;Size:-0.6;Momentum:-1.0;LowVol:-1.0
NoDerivatives
7
25
6.6
trailing 7%
182
22.4
Bull
12.6
3.98
2.3
111
78
75
55
false
Buy
Add to core equity +1%
19
-14
BrokerB
LMT
94
null
null
Normal monitoring
-53
-14
11
3
false
Within IPS guidelines
P2009
Opportunistic
Trust
USD
2025-12-26
1,345,860
62,640
1,283,220
1
60.7
21.3
10.8
7.2
VNQ:25.0%;IEF:25.0%;GLD:25.0%;TSLA:25.0%
US:59.9;EU:14.7;APAC:13.1;EM:12.0;Other:0.4
Value:+0.3;Growth:+0.1;Quality:+0.6;Size:-0.7;Momentum:-0.1;LowVol:+0.5
MaxPos7%
6
30
6.6
hard 12%
254
25.7
Bull
16.1
5
2.5
92
79
87
46
false
Buy
Add to core equity +1%
28
-22
BrokerD
LMT
96
null
null
Normal monitoring
-17
1
-26
3
false
Within IPS guidelines
P2010
Cautious
IRA
USD
2025-01-01
463,908
47,719
416,189
1
37.8
40.6
11.2
10.4
GLD:33.3%;QQQ:33.3%;AMZN:33.3%
US:68.8;EU:16.7;APAC:5.2;EM:7.6;Other:1.8
Value:-0.2;Growth:-0.8;Quality:+0.3;Size:-0.4;Momentum:-0.6;LowVol:+0.1
NoMargin
10
30
5.9
hard 10%
98
18.1
Volatile
25.4
4.02
3
168
56
65
43
false
Rebalance
Shift +1% to bonds from equity
4
-4
BrokerA
VWAP
96
null
null
Normal monitoring
39
-56
111
3
false
Tighten stops on momentum names
P2011
Active
Roth
USD
2025-05-21
2,256,711
162,636
2,094,075
1
62.5
19.4
11.3
6.8
BRK.B:20.2%;QQQ:9.1%;VNQ:7.2%;VOO:22.0%;HYG:22.0%;AAPL:19.6%
US:66.1;EU:7.6;APAC:8.9;EM:12.5;Other:5.0
Value:+0.4;Growth:+0.6;Quality:+0.7;Size:+0.9;Momentum:-0.7;LowVol:-0.8
NoDerivatives
8
35
6
trailing 8%
188
24.2
Sideways
17.1
4.26
3.2
96
7
43
53
false
Buy
Add to core equity +1%
14
-32
BrokerD
MKT
98
null
null
Normal monitoring
95
-18
64
5
false
Monitor dispersion and breadth
P2012
Systematic
401k
USD
2024-09-05
1,983,676
106,498
1,877,178
1
57.8
32.9
0
9.3
IEF:24.3%;VOO:16.6%;HYG:10.9%;AMZN:23.8%;VNQ:24.3%
US:69.9;EU:11.8;APAC:7.7;EM:9.1;Other:1.5
Value:+0.9;Growth:-0.8;Quality:+0.4;Size:+0.1;Momentum:+0.7;LowVol:-0.7
MaxPos7%
8
35
4.5
trailing 8%
137
24.4
Sideways
21.7
3.81
3.4
94
56
77
60
false
Sell
Trim extended winner -1%
13
-4
BrokerC
LMT
94
null
null
Normal monitoring
107
-51
175
5
false
Increase defensive factor exposure
P2013
Systematic
Trust
USD
2025-01-06
1,183,387
111,548
1,071,839
1
66.7
22.4
2.6
8.3
GLD:20.3%;MSFT:8.4%;AMZN:17.7%;TLT:18.5%;QQQ:15.0%;TSLA:20.1%
US:68.7;EU:15.7;APAC:6.1;EM:5.9;Other:3.7
Value:+0.7;Growth:+0.6;Quality:+0.6;Size:+0.2;Momentum:+0.2;LowVol:+0.5
MaxPos5%
8
25
4.9
trailing 9%
173
26.1
Bull
16.8
3.74
2.2
97
9
50
56
false
Sell
Trim extended winner -1%
20
-23
BrokerC
MKT
96
null
null
Normal monitoring
16
-60
78
4
false
Tighten stops on momentum names
P2014
Hands-off
Taxable
USD
2024-10-20
398,989
27,823
371,166
1
57.2
21.7
11.2
9.9
HYG:13.7%;AAPL:24.5%;BND:12.6%;MSFT:24.5%;VTI:24.5%
US:71.8;EU:13.2;APAC:6.7;EM:5.7;Other:2.6
Value:-0.9;Growth:-0.3;Quality:-0.6;Size:-0.8;Momentum:+0.6;LowVol:+0.1
ESGOnly;NoDerivatives
5
25
3.4
trailing 8%
160
19.1
Bull
14.8
3.82
3
90
110
100
49
false
Buy
Add to core equity +1%
-15
-28
BrokerC
MKT
88
null
null
Normal monitoring
-40
1
-28
5
false
Within IPS guidelines
P2015
Cautious
IRA
USD
2025-09-22
279,752
38,813
240,939
1
44.7
42.6
2.4
10.3
GLD:25.9%;BRK.B:24.6%;QQQ:25.9%;IEF:23.6%
US:69.7;EU:6.9;APAC:7.8;EM:12.3;Other:3.4
Value:+0.4;Growth:+0.7;Quality:-0.3;Size:+0.9;Momentum:-0.5;LowVol:0.0
MaxPos8%;NoMargin
5
25
5.6
trailing 8%
148
15.8
Bull
16.9
3.95
2.5
119
110
100
31
true
Reduce
Cut high-beta by 2-3%, add cash
21
-35
BrokerB
LMT
96
Drift>tolerance
Hedge
Allocation drift beyond policy bands
113
9
97
5
true
Within IPS guidelines
P2016
Active
IRA
USD
2025-02-21
1,983,940
123,370
1,860,570
1.16
54.4
30.9
8.8
5.9
VTI:33.5%;GLD:33.1%;MUB:33.5%
US:56.9;EU:14.7;APAC:12.6;EM:11.9;Other:3.9
Value:-0.2;Growth:-0.6;Quality:+0.8;Size:-0.7;Momentum:-0.3;LowVol:-0.5
null
8
35
5.3
hard 12%
186
25
Sideways
14.4
4.22
3.2
116
0
48
49
false
Rebalance
Shift +1% to bonds from equity
2
-34
BrokerD
MKT
92
null
null
Normal monitoring
6
-4
34
4
false
Monitor dispersion and breadth
P2017
Hands-off
Roth
USD
2025-03-27
575,815
43,687
532,128
1
56.6
30
8.2
5.2
AMZN:12.8%;XLF:23.9%;VTI:15.4%;VNQ:23.9%;AAPL:23.9%
US:59.9;EU:13.7;APAC:12.0;EM:10.3;Other:4.1
Value:-0.7;Growth:-0.9;Quality:-0.3;Size:0.0;Momentum:-0.7;LowVol:-0.2
null
10
35
4.2
trailing 10%
122
15.2
Bear
27
3.85
1.6
206
-110
5
58
false
Buy
Add to core equity +1%
22
-38
BrokerD
LMT
97
null
null
Normal monitoring
-54
-19
-38
4
false
Within IPS guidelines
P2018
Opportunistic
IRA
USD
2024-11-09
1,757,152
105,158
1,651,994
1
73.9
16.7
3.6
5.8
TLT:22.5%;VOO:17.4%;HYG:22.5%;TSLA:10.2%;AMZN:16.1%;VTI:11.3%
US:57.2;EU:18.1;APAC:15.5;EM:6.4;Other:2.7
Value:+0.7;Growth:-0.5;Quality:+0.7;Size:+0.2;Momentum:+0.1;LowVol:-0.1
null
8
30
5.6
trailing 9%
170
24.7
Sideways
14
3.66
3
133
45
68
62
false
Buy
Add to core equity +1%
8
-5
BrokerC
LMT
88
null
null
Normal monitoring
50
-59
182
5
false
Tax-aware sells next window
P2019
Opportunistic
IRA
USD
2025-05-17
896,280
38,821
857,459
1.18
75.4
15.4
2.6
6.7
VNQ:15.2%;AMZN:11.9%;XLF:22.0%;MSFT:11.4%;BND:22.3%;BRK.B:17.3%
US:66.7;EU:13.9;APAC:8.8;EM:7.1;Other:3.5
Value:-0.7;Growth:+0.7;Quality:-0.1;Size:-0.0;Momentum:+0.6;LowVol:-0.2
null
5
25
6.6
hard 12%
190
31.7
Bull
12.5
4.47
3.1
88
79
91
50
true
Reduce
Cut high-beta by 2-3%, add cash
-9
-31
BrokerA
MKT
98
RegimeShift
Pause
Volatility spike and breadth deterioration
26
-59
32
5
false
Increase defensive factor exposure
P2020
Systematic
IRA
USD
2025-09-16
1,285,681
80,884
1,204,797
1
57.2
34.4
0.4
8
AAPL:14.1%;AMZN:29.3%;VTI:29.3%;VOO:27.3%
US:61.2;EU:16.7;APAC:10.7;EM:8.6;Other:2.9
Value:+0.2;Growth:+0.5;Quality:+0.6;Size:+0.6;Momentum:-0.7;LowVol:0.0
MaxPos5%
6
35
5.1
hard 12%
168
17.6
Sideways
16.1
4.16
3.2
110
-23
39
51
false
Hedge
Add TLT +1% as duration hedge
9
-20
BrokerB
VWAP
96
null
null
Normal monitoring
42
-16
92
3
false
Increase defensive factor exposure
P2021
Active
Taxable
USD
2025-08-27
1,107,145
132,039
975,106
1
54.8
29.4
9.9
5.9
VTI:32.9%;BND:33.6%;TSLA:33.6%
US:67.3;EU:17.2;APAC:5.0;EM:6.9;Other:3.5
Value:+0.3;Growth:+1.0;Quality:-0.8;Size:-0.4;Momentum:+0.1;LowVol:-0.8
null
5
30
4.8
trailing 8%
129
19.4
Volatile
26.6
5.32
2.4
167
-37
34
74
true
Hedge
Buy index puts 1% notional
31
-1
BrokerB
LMT
89
Drift>tolerance
Hedge
Allocation drift beyond policy bands
108
7
105
4
false
Tax-aware sells next window
P2022
Active
Taxable
USD
2025-10-25
1,751,757
166,836
1,584,921
1
51.2
31.4
9.6
7.7
MSFT:26.6%;HYG:20.3%;TLT:26.6%;GLD:26.6%
US:59.1;EU:14.0;APAC:13.8;EM:9.4;Other:3.8
Value:+1.0;Growth:-0.8;Quality:-0.1;Size:+0.4;Momentum:-0.6;LowVol:-0.5
NoDerivatives
7
30
5.7
hard 12%
194
16.3
Bear
28.6
4.04
2.9
180
-84
5
73
true
Reduce
Cut high-beta by 2-3%, add cash
25
7
BrokerC
MKT
97
VAR>budget
Reduce
Risk above budget threshold
95
-32
212
3
false
Within IPS guidelines
P2023
Opportunistic
IRA
USD
2024-10-02
1,110,245
90,502
1,019,743
1
61.3
15.9
16.3
6.5
AAPL:17.5%;AMZN:20.3%;IEF:17.2%;HYG:20.6%;VOO:12.2%;TLT:12.2%
US:59.4;EU:13.5;APAC:13.6;EM:9.9;Other:3.7
Value:+0.8;Growth:+0.1;Quality:-0.6;Size:+0.4;Momentum:-0.3;LowVol:-0.6
null
5
35
6
trailing 7%
177
28.7
Volatile
31.8
3.82
2.1
128
-57
25
75
true
Hedge
Buy index puts 1% notional
31
-27
BrokerD
VWAP
91
Drift>tolerance
TightenStops
Allocation drift beyond policy bands
11
10
-17
4
false
Tax-aware sells next window
P2024
Systematic
Taxable
USD
2025-01-08
1,081,111
72,492
1,008,619
1
58.1
31.8
3.4
6.7
QQQ:15.9%;TSLA:19.9%;BND:25.7%;VTI:16.9%;IEF:21.7%
US:72.0;EU:6.2;APAC:8.0;EM:10.1;Other:3.7
Value:-0.1;Growth:-0.7;Quality:+0.6;Size:-0.9;Momentum:0.0;LowVol:+1.0
MaxPos6%
7
35
5.9
trailing 8%
137
26.1
Bull
14.8
3.81
3.4
110
60
71
42
false
Hedge
Add TLT +1% as duration hedge
21
-4
BrokerA
MKT
94
null
null
Normal monitoring
-35
-20
25
5
false
Monitor dispersion and breadth
P2025
Active
Taxable
USD
2025-03-31
2,147,213
221,704
1,925,509
1
66.5
25.5
1.7
6.3
VOO:25.0%;GLD:25.0%;VNQ:25.0%;QQQ:25.0%
US:59.7;EU:12.2;APAC:14.2;EM:9.0;Other:4.9
Value:-0.0;Growth:-0.1;Quality:+0.9;Size:+0.1;Momentum:-0.4;LowVol:-0.7
MaxPos6%;NoDerivatives
7
35
5.3
trailing 9%
136
17.7
Bull
14.6
3.71
2.5
104
3
53
43
false
Buy
Add to core equity +1%
-3
-1
BrokerA
LMT
99
null
null
Normal monitoring
-28
9
34
5
false
Increase defensive factor exposure
P2026
Hands-off
IRA
USD
2025-11-19
850,193
51,533
798,660
1
56.9
16.7
16.6
9.8
GLD:31.1%;AMZN:18.7%;VNQ:31.1%;MSFT:19.1%
US:72.6;EU:14.6;APAC:6.3;EM:4.2;Other:2.4
Value:-0.8;Growth:+0.8;Quality:+0.5;Size:+0.2;Momentum:+0.5;LowVol:-0.8
MaxPos6%
8
30
3.3
hard 10%
160
18.6
Volatile
20.2
4.17
2.7
152
-29
50
45
false
Rebalance
Shift +1% to bonds from equity
22
-20
BrokerA
MKT
95
null
null
Normal monitoring
104
-47
68
5
false
Tighten stops on momentum names
P2027
Cautious
IRA
USD
2025-03-25
615,960
95,946
520,014
1
48
33.6
4.3
14.1
VNQ:23.8%;AMZN:20.6%;MUB:16.7%;MSFT:15.2%;GLD:23.8%
US:69.4;EU:4.9;APAC:14.1;EM:6.9;Other:4.6
Value:-0.0;Growth:-0.0;Quality:-0.1;Size:-0.9;Momentum:-0.1;LowVol:-0.3
NoDerivatives;NoMargin
8
25
5
trailing 10%
114
19.9
Sideways
18.9
5
2.7
138
52
74
48
false
Rebalance
Shift +1% to bonds from equity
21
-5
BrokerC
LMT
95
null
null
Normal monitoring
92
-41
129
4
false
Within IPS guidelines
P2028
Cautious
Taxable
USD
2025-04-28
887,621
125,366
762,255
1
46.3
41
0
12.7
AMZN:25.0%;QQQ:25.0%;XLF:25.0%;TLT:25.0%
US:68.4;EU:12.2;APAC:8.4;EM:7.8;Other:3.2
Value:+0.6;Growth:+0.6;Quality:+0.7;Size:-0.4;Momentum:+0.5;LowVol:-0.5
ESGOnly;NoMargin
6
30
4
trailing 8%
149
12.5
Sideways
21.9
4.47
2.5
134
20
69
59
true
Hedge
Buy index puts 1% notional
13
-31
BrokerA
MKT
95
Drift>tolerance
Pause
Allocation drift beyond policy bands
32
-47
117
3
false
Increase defensive factor exposure
P2029
Cautious
Trust
USD
2025-07-13
459,079
41,034
418,045
1
48.9
31.2
4.6
15.4
BRK.B:23.5%;QQQ:13.0%;TSLA:23.5%;AMZN:17.2%;MUB:22.8%
US:69.2;EU:5.8;APAC:14.0;EM:6.1;Other:4.9
Value:-1.0;Growth:+0.6;Quality:-0.9;Size:+0.8;Momentum:+0.7;LowVol:+0.9
ESGOnly;MaxPos8%;NoMargin
8
30
4.6
trailing 8%
118
19.8
Bear
32.7
3.31
2.5
183
-10
40
72
true
Hedge
Buy index puts 1% notional
2
10
BrokerB
MKT
98
Drift>tolerance
Pause
Allocation drift beyond policy bands
-13
15
120
4
false
Tighten stops on momentum names
P2030
Hands-off
Taxable
USD
2025-02-18
555,050
47,798
507,252
1
73.3
19.9
0
6.8
VNQ:33.1%;BND:33.5%;GLD:33.5%
US:52.1;EU:19.6;APAC:15.5;EM:11.9;Other:0.8
Value:+0.9;Growth:+0.6;Quality:+0.9;Size:+1.0;Momentum:-0.9;LowVol:+0.2
ESGOnly;MaxPos8%
10
25
4.7
hard 10%
130
12.7
Bull
14.2
4.63
3
79
10
59
58
false
Rebalance
Shift +1% to bonds from equity
13
-18
BrokerB
VWAP
92
null
null
Normal monitoring
40
-17
102
5
false
Within IPS guidelines
P2031
Opportunistic
Taxable
USD
2025-05-17
1,133,122
67,039
1,066,083
1
73.9
13.7
4.4
8.1
TLT:14.6%;GLD:24.2%;VTI:24.2%;VNQ:24.2%;TSLA:12.9%
US:55.2;EU:20.2;APAC:13.0;EM:6.3;Other:5.3
Value:+0.4;Growth:-0.1;Quality:-0.8;Size:-0.2;Momentum:-0.2;LowVol:-0.9
null
6
25
5.5
trailing 9%
186
29.3
Volatile
25.9
5.48
2.4
126
45
86
81
true
Reduce
Cut high-beta by 2-3%, add cash
13
0
BrokerB
LMT
86
VAR>budget
TightenStops
Risk above budget threshold
43
-13
114
3
false
Tighten stops on momentum names
P2032
Active
Taxable
USD
2024-12-24
1,730,432
200,724
1,529,708
1
63.8
28.4
0
7.9
MUB:28.4%;VTI:28.4%;QQQ:16.9%;BND:26.4%
US:68.0;EU:9.6;APAC:10.4;EM:8.2;Other:3.8
Value:+0.8;Growth:-0.1;Quality:-0.1;Size:-0.8;Momentum:+0.6;LowVol:-0.4
null
7
25
5
hard 12%
154
26.9
Sideways
21.9
3.99
2.9
124
18
67
60
false
Sell
Trim extended winner -1%
26
-20
BrokerD
MKT
88
null
null
Normal monitoring
-13
-9
70
3
false
Within IPS guidelines
P2033
Cautious
Taxable
USD
2025-06-11
186,748
26,814
159,934
1
36.7
39.2
8.4
15.7
TLT:25.3%;TSLA:25.3%;AAPL:25.3%;VTI:24.2%
US:70.8;EU:5.8;APAC:11.4;EM:9.9;Other:2.1
Value:+0.8;Growth:+0.5;Quality:-0.5;Size:+0.4;Momentum:+0.9;LowVol:+0.7
ESGOnly;NoMargin
6
35
4.1
trailing 8%
110
16.7
Bull
12.6
4.29
2.2
119
17
54
28
false
Rebalance
Shift +1% to bonds from equity
13
-31
BrokerC
VWAP
92
null
null
Normal monitoring
79
2
100
3
false
Increase defensive factor exposure
P2034
Systematic
IRA
USD
2025-09-29
709,498
43,338
666,160
1
65.9
23.7
0.5
9.9
IEF:33.3%;HYG:33.3%;BND:33.3%
US:62.7;EU:17.4;APAC:12.5;EM:5.6;Other:1.7
Value:-0.5;Growth:+0.8;Quality:+0.1;Size:0.0;Momentum:-0.3;LowVol:+0.6
null
8
25
4.4
trailing 8%
149
27.5
Volatile
31.4
4.11
3.5
129
69
72
87
true
Rebalance
Rebalance back to target bands
9
-38
BrokerA
MKT
86
VAR>budget
Hedge
Risk above budget threshold
-39
-48
-18
5
true
Tighten stops on momentum names
P2035
Hands-off
Roth
USD
2024-10-03
347,946
29,021
318,925
1
67
18.9
8.8
5.3
VOO:26.8%;AMZN:19.7%;HYG:26.8%;MSFT:26.8%
US:63.8;EU:16.1;APAC:9.8;EM:9.4;Other:0.9
Value:+0.8;Growth:-0.6;Quality:-0.5;Size:-0.3;Momentum:+1.0;LowVol:-0.5
ESGOnly;NoDerivatives
6
25
5.1
trailing 10%
142
17
Sideways
16.8
4.34
3.2
114
25
65
56
false
Rebalance
Shift +1% to bonds from equity
-15
5
BrokerC
VWAP
95
null
null
Normal monitoring
82
-38
192
3
false
Monitor dispersion and breadth
P2036
Opportunistic
Taxable
USD
2025-10-12
1,013,017
56,486
956,531
1.14
61.7
15.2
17.3
5.7
XLF:9.3%;VTI:24.2%;GLD:24.2%;AAPL:18.1%;VNQ:24.2%
US:69.2;EU:9.5;APAC:9.7;EM:9.8;Other:1.9
Value:-0.7;Growth:0.0;Quality:+0.9;Size:+0.7;Momentum:-0.3;LowVol:+0.6
NoDerivatives
7
30
4.8
trailing 7%
180
25.8
Bull
17.2
3.99
3.4
76
86
87
55
false
Rebalance
Shift +1% to bonds from equity
19
-12
BrokerB
MKT
99
null
null
Normal monitoring
-52
-23
53
3
false
Tax-aware sells next window
P2037
Active
IRA
USD
2025-06-03
1,978,302
215,520
1,762,782
1
53.7
23.5
14.4
8.3
XLF:21.4%;BRK.B:21.4%;AMZN:20.7%;TSLA:15.0%;IEF:21.4%
US:64.8;EU:13.8;APAC:8.1;EM:12.5;Other:0.9
Value:+0.5;Growth:-0.1;Quality:+0.6;Size:-0.5;Momentum:-1.0;LowVol:+0.9
null
10
35
5.7
trailing 9%
189
23.4
Volatile
30.3
5.43
4
175
43
80
70
false
Hedge
Add TLT +1% as duration hedge
29
6
BrokerB
MKT
90
null
null
Normal monitoring
58
-6
162
4
false
Increase defensive factor exposure
P2038
Active
Trust
USD
2025-10-17
1,775,558
116,740
1,658,818
1
55.5
24.6
11.4
8.5
MUB:22.0%;BND:22.0%;VTI:17.6%;AAPL:16.3%;VNQ:22.0%
US:65.0;EU:7.4;APAC:15.4;EM:7.9;Other:4.3
Value:-0.8;Growth:-0.1;Quality:-0.4;Size:-0.2;Momentum:-0.9;LowVol:+0.8
null
8
30
5.4
hard 12%
220
17.3
Volatile
30.8
4.59
2.9
137
-59
23
77
true
Hedge
Buy index puts 1% notional
-6
-36
BrokerD
MKT
96
Drift>tolerance
Pause
Allocation drift beyond policy bands
43
-13
151
5
false
Tighten stops on momentum names
P2039
Active
IRA
USD
2024-11-30
1,765,671
118,142
1,647,529
1.17
54.8
21.1
17.2
6.9
XLF:37.2%;QQQ:25.6%;IEF:37.2%
US:67.0;EU:9.7;APAC:11.9;EM:7.2;Other:4.2
Value:+1.0;Growth:+0.9;Quality:-0.2;Size:-0.1;Momentum:+0.9;LowVol:0.0
null
7
30
4.4
trailing 8%
188
20.2
Bull
17.6
4.22
2.7
75
96
100
42
false
Sell
Trim extended winner -1%
2
-36
BrokerC
LMT
97
null
null
Normal monitoring
-45
10
-22
4
false
Monitor dispersion and breadth
P2040
Active
Roth
USD
2024-08-23
2,357,128
221,408
2,135,720
1
62.1
24.3
7.3
6.3
AAPL:27.2%;MUB:27.2%;BRK.B:18.4%;HYG:27.2%
US:66.9;EU:11.0;APAC:8.7;EM:10.1;Other:3.3
Value:-0.5;Growth:+0.3;Quality:+0.2;Size:-0.2;Momentum:-0.8;LowVol:0.0
MaxPos5%;NoDerivatives
5
35
5.5
hard 12%
127
26.8
Bull
16.4
4.01
3.2
99
21
53
53
false
Rebalance
Shift +1% to bonds from equity
19
-21
BrokerC
MKT
88
null
null
Normal monitoring
48
-59
126
4
false
Within IPS guidelines
P2041
Active
Taxable
USD
2024-10-22
2,485,989
230,234
2,255,755
1.2
52.4
24.2
13.7
9.6
GLD:30.4%;QQQ:21.8%;TLT:17.5%;TSLA:30.4%
US:60.3;EU:17.6;APAC:8.2;EM:11.5;Other:2.4
Value:-0.9;Growth:-0.4;Quality:-0.8;Size:-0.0;Momentum:-0.5;LowVol:+0.2
NoDerivatives
5
35
5.5
trailing 9%
149
23.6
Bull
14.5
4.18
2
90
115
100
40
false
Rebalance
Shift +1% to bonds from equity
-11
-36
BrokerC
MKT
92
null
null
Normal monitoring
-56
-9
-70
3
false
Within IPS guidelines
P2042
Active
Taxable
USD
2025-07-09
755,597
59,981
695,616
1
64.6
19.4
8.1
7.8
HYG:12.3%;BND:20.5%;VNQ:21.0%;VTI:8.7%;BRK.B:20.0%;TLT:17.6%
US:68.9;EU:18.9;APAC:7.2;EM:3.2;Other:1.9
Value:-0.7;Growth:-0.3;Quality:-0.8;Size:+0.8;Momentum:-0.9;LowVol:+0.1
null
7
25
4.6
trailing 8%
201
23.4
Bull
14.5
4
3.5
113
83
93
43
false
Rebalance
Shift +1% to bonds from equity
22
-21
BrokerD
MKT
94
null
null
Normal monitoring
-29
-53
4
3
false
Increase defensive factor exposure
P2043
Cautious
401k
USD
2025-05-08
559,481
66,882
492,599
1
43
31.6
13.7
11.7
HYG:33.3%;MSFT:33.3%;QQQ:33.3%
US:66.4;EU:11.1;APAC:16.4;EM:5.7;Other:0.5
Value:+0.8;Growth:-0.5;Quality:+0.7;Size:+0.2;Momentum:+0.7;LowVol:-0.4
ESGOnly;NoMargin
6
35
3.7
trailing 10%
130
19.8
Bull
16.1
3.54
2.5
108
95
85
46
false
Rebalance
Shift +1% to bonds from equity
-4
-35
BrokerB
LMT
96
null
null
Normal monitoring
-58
-6
17
5
false
Tighten stops on momentum names
P2044
Cautious
Trust
USD
2024-12-31
672,998
105,524
567,474
1
48.9
33.2
3.9
14.1
MSFT:33.3%;IEF:33.3%;BND:33.3%
US:73.4;EU:13.2;APAC:7.2;EM:5.8;Other:0.4
Value:-0.6;Growth:-0.7;Quality:-0.9;Size:-0.8;Momentum:+0.3;LowVol:-0.3
NoMargin
10
35
4.9
trailing 8%
130
19.8
Volatile
24.6
4.07
4
148
-28
26
54
false
Rebalance
Shift +1% to bonds from equity
24
-36
BrokerC
LMT
98
null
null
Normal monitoring
111
-34
143
5
false
Tighten stops on momentum names
P2045
Active
Trust
USD
2025-06-04
2,151,683
168,758
1,982,925
1.18
66.6
24
4
5.4
VNQ:33.3%;AAPL:33.3%;MUB:33.3%
US:66.8;EU:7.2;APAC:13.5;EM:10.9;Other:1.6
Value:-0.1;Growth:+0.7;Quality:+0.4;Size:+0.6;Momentum:0.0;LowVol:-0.8
NoDerivatives
10
35
6
trailing 8%
142
18.7
Bull
17
3.77
2
115
55
69
63
false
Rebalance
Shift +1% to bonds from equity
-7
-33
BrokerA
MKT
86
null
null
Normal monitoring
-38
-8
-78
4
false
Monitor dispersion and breadth
P2046
Cautious
IRA
USD
2025-08-10
408,981
62,343
346,638
1
49.9
34
0
16.1
AMZN:21.8%;TSLA:13.3%;XLF:8.9%;BRK.B:14.1%;TLT:19.9%;HYG:21.8%
US:64.6;EU:14.4;APAC:10.3;EM:6.9;Other:3.8
Value:+0.2;Growth:-0.3;Quality:+0.6;Size:+0.1;Momentum:-0.4;LowVol:+1.0
NoMargin
7
30
5.6
trailing 8%
142
16.1
Bull
11.2
4.81
2.5
82
38
58
31
false
Rebalance
Shift +1% to bonds from equity
22
-40
BrokerD
LMT
97
null
null
Normal monitoring
107
0
107
5
false
Monitor dispersion and breadth
P2047
Opportunistic
IRA
USD
2025-11-23
1,421,061
50,061
1,371,000
1
72.2
14.1
8.2
5.5
MSFT:33.3%;MUB:33.3%;BND:33.3%
US:64.5;EU:11.8;APAC:9.3;EM:11.5;Other:2.9
Value:-0.2;Growth:-0.4;Quality:+0.6;Size:-0.5;Momentum:-0.3;LowVol:-0.1
MaxPos6%
5
25
6.8
trailing 7%
242
33.6
Volatile
30.3
3.51
3.1
168
11
68
75
true
Hedge
Buy index puts 1% notional
20
0
BrokerC
MKT
94
VAR>budget
TightenStops
Risk above budget threshold
-26
11
67
2
false
Within IPS guidelines
P2048
Active
Taxable
USD
2025-12-22
1,386,953
123,171
1,263,782
1
50.2
26.4
15.5
7.9
AMZN:15.9%;MSFT:22.7%;XLF:23.2%;AAPL:23.2%;IEF:14.9%
US:72.2;EU:8.0;APAC:6.2;EM:9.6;Other:4.1
Value:-0.6;Growth:+0.6;Quality:+0.7;Size:-0.4;Momentum:-0.2;LowVol:+0.1
MaxPos6%;NoDerivatives
6
35
4.6
trailing 8%
222
22.8
Bull
15.4
3.94
2.5
98
42
82
34
false
Sell
Trim extended winner -1%
28
-10
BrokerB
LMT
91
null
null
Normal monitoring
-46
-21
-31
3
false
Increase defensive factor exposure
P2049
Opportunistic
IRA
USD
2025-04-20
505,226
38,608
466,618
1
65.2
14.2
15.3
5.3
AMZN:25.5%;VTI:25.5%;BND:23.6%;TSLA:25.5%
US:61.8;EU:17.3;APAC:9.1;EM:8.1;Other:3.8
Value:+0.4;Growth:+0.2;Quality:-0.5;Size:+0.4;Momentum:+0.7;LowVol:-0.1
MaxPos5%
7
30
4.7
trailing 7%
246
34.6
Bear
30
4.41
2.6
188
-25
35
77
true
Hedge
Buy index puts 1% notional
14
-8
BrokerD
LMT
100
Drift>tolerance
Reduce
Allocation drift beyond policy bands
-20
-26
48
3
false
Increase defensive factor exposure
P2050
Hands-off
Taxable
USD
2025-09-13
425,495
22,590
402,905
1
57.2
22.1
15.1
5.7
XLF:15.4%;AMZN:28.2%;BRK.B:28.2%;TLT:28.2%
US:74.3;EU:7.0;APAC:7.6;EM:6.3;Other:4.8
Value:-0.6;Growth:+0.3;Quality:-0.7;Size:+0.9;Momentum:-0.7;LowVol:-0.6
ESGOnly;MaxPos5%
5
35
5.4
trailing 8%
125
17.9
Bear
30.4
3.22
2
157
-22
52
84
true
Reduce
Cut high-beta by 2-3%, add cash
27
13
BrokerB
MKT
88
Drift>tolerance
TightenStops
Allocation drift beyond policy bands
94
-28
146
2
false
Monitor dispersion and breadth
P2051
Active
Roth
USD
2025-07-19
921,241
100,871
820,370
1
50.6
27.6
16.1
5.7
VNQ:14.0%;IEF:18.2%;QQQ:20.2%;VOO:19.2%;GLD:14.6%;AAPL:13.8%
US:60.6;EU:17.3;APAC:8.2;EM:10.5;Other:3.4
Value:+0.1;Growth:-0.6;Quality:+0.9;Size:-0.5;Momentum:+0.3;LowVol:-0.8
MaxPos7%
10
25
4.5
trailing 9%
210
24.4
Bull
17
4.5
2.5
93
54
63
41
false
Rebalance
Shift +1% to bonds from equity
-12
-40
BrokerD
VWAP
94
null
null
Normal monitoring
109
3
165
4
false
Tighten stops on momentum names
P2052
Active
Taxable
USD
2024-10-30
726,406
83,524
642,882
1
69.9
21.2
0.3
8.5
BRK.B:16.4%;AAPL:21.5%;MSFT:19.1%;TLT:21.5%;QQQ:21.5%
US:65.4;EU:15.2;APAC:13.3;EM:4.5;Other:1.6
Value:+1.0;Growth:+0.1;Quality:+0.8;Size:+0.1;Momentum:+0.5;LowVol:-0.2
NoDerivatives
5
35
4.3
trailing 9%
120
26
Sideways
17.4
3.61
2.5
105
19
59
65
false
Rebalance
Shift +1% to bonds from equity
21
-29
BrokerB
VWAP
91
null
null
Normal monitoring
107
-7
163
3
false
Tighten stops on momentum names
P2053
Cautious
Trust
USD
2025-09-26
223,772
19,010
204,762
1
48.7
32.2
4.5
14.5
MSFT:22.0%;HYG:15.6%;TSLA:22.0%;IEF:22.0%;QQQ:7.7%;VOO:10.5%
US:65.3;EU:10.5;APAC:11.8;EM:12.1;Other:0.4
Value:-0.1;Growth:-0.3;Quality:+0.1;Size:-0.9;Momentum:+0.4;LowVol:-0.9
NoDerivatives;NoMargin
5
35
4.4
trailing 10%
112
18
Bull
16.8
4.55
3.2
87
103
87
50
false
Rebalance
Shift +1% to bonds from equity
-10
-28
BrokerD
LMT
85
null
null
Normal monitoring
119
19
133
3
false
Monitor dispersion and breadth
P2054
Opportunistic
401k
USD
2025-07-20
1,774,478
122,756
1,651,722
1.25
62.9
16.3
14.7
6
QQQ:32.6%;GLD:33.7%;IEF:33.7%
US:75.4;EU:7.8;APAC:7.8;EM:5.0;Other:4.0
Value:-0.2;Growth:-0.2;Quality:-0.2;Size:+0.2;Momentum:-0.6;LowVol:+0.5
null
10
35
6.9
trailing 7%
217
28.4
Sideways
19.8
3.84
3.4
122
51
62
49
false
NoAction
Within bands; monitor
32
-9
BrokerD
LMT
98
null
null
Normal monitoring
6
-49
-17
4
false
Tighten stops on momentum names
P2055
Cautious
IRA
USD
2025-10-22
258,752
27,097
231,655
1
37.3
40.3
4.8
17.6
TSLA:22.7%;VNQ:18.2%;QQQ:22.7%;BRK.B:22.7%;XLF:13.5%
US:62.2;EU:14.6;APAC:7.2;EM:11.0;Other:5.0
Value:+0.8;Growth:+0.6;Quality:0.0;Size:+0.7;Momentum:-0.2;LowVol:+0.3
ESGOnly;NoDerivatives;NoMargin
5
25
3.1
trailing 8%
151
12.5
Sideways
16.6
4.56
3.1
98
-14
34
41
true
Rebalance
Rebalance back to target bands
0
-10
BrokerD
MKT
94
RegimeShift
Hedge
Volatility spike and breadth deterioration
91
-25
224
2
false
Tighten stops on momentum names
P2056
Hands-off
Taxable
USD
2024-12-11
445,180
19,589
425,591
1
58.9
26.1
7
8
QQQ:28.2%;BRK.B:15.4%;AMZN:28.2%;TLT:28.2%
US:74.9;EU:13.1;APAC:6.3;EM:4.4;Other:1.2
Value:+0.5;Growth:+0.1;Quality:+0.9;Size:+0.6;Momentum:-0.9;LowVol:+0.4
MaxPos6%
8
35
3.5
hard 10%
152
17
Volatile
26.6
3.74
2.2
173
-50
40
63
true
Reduce
Cut high-beta by 2-3%, add cash
-7
-1
BrokerB
LMT
95
Drift>tolerance
Hedge
Allocation drift beyond policy bands
22
-46
98
4
false
Increase defensive factor exposure
P2057
Systematic
401k
USD
2024-11-13
411,540
36,513
375,027
1
60.7
30.3
0
9
MSFT:33.3%;AAPL:33.3%;TLT:33.3%
US:72.8;EU:6.3;APAC:9.0;EM:11.0;Other:0.8
Value:+0.4;Growth:-0.3;Quality:-0.9;Size:-0.8;Momentum:+0.5;LowVol:-0.3
null
8
25
4.7
hard 12%
188
16.3
Bear
34.6
4.17
3
147
-48
26
89
true
Reduce
Cut high-beta by 2-3%, add cash
-10
-29
BrokerC
LMT
100
RegimeShift
Pause
Volatility spike and breadth deterioration
12
-51
-28
5
false
Within IPS guidelines
P2058
Cautious
Taxable
USD
2024-11-08
330,519
52,807
277,712
1
39.1
35.5
11.6
13.8
VNQ:25.0%;VTI:25.0%;QQQ:25.0%;XLF:25.0%
US:60.5;EU:13.2;APAC:14.1;EM:9.5;Other:2.8
Value:+0.8;Growth:-0.4;Quality:-0.5;Size:-0.9;Momentum:+0.1;LowVol:+0.4
NoMargin
10
35
5.9
hard 10%
115
16.4
Sideways
16.5
3.57
2
137
-7
53
34
false
Buy
Add to core equity +1%
9
8
BrokerC
MKT
96
null
null
Normal monitoring
116
-10
76
4
false
Monitor dispersion and breadth
P2059
Active
IRA
USD
2025-11-22
1,307,790
113,192
1,194,598
1
50.4
24.6
15.6
9.4
TLT:23.6%;BND:23.6%;TSLA:17.4%;AAPL:11.8%;VTI:23.6%
US:59.7;EU:11.1;APAC:15.2;EM:8.7;Other:5.4
Value:-0.3;Growth:+0.4;Quality:+0.2;Size:+0.2;Momentum:+0.4;LowVol:+0.9
MaxPos8%
6
35
6
trailing 8%
135
24.5
Bull
15.1
3.55
2.6
110
21
70
44
false
Rebalance
Shift +1% to bonds from equity
9
-29
BrokerA
VWAP
95
null
null
Normal monitoring
58
-51
159
4
false
Monitor dispersion and breadth
P2060
Opportunistic
Roth
USD
2025-03-11
366,225
28,222
338,003
1.14
70.9
10.3
13.8
5
QQQ:23.5%;VOO:23.5%;GLD:23.5%;MUB:18.8%;AMZN:10.8%
US:62.6;EU:15.2;APAC:10.9;EM:9.7;Other:1.6
Value:-0.6;Growth:-0.9;Quality:+0.6;Size:+0.9;Momentum:+0.7;LowVol:+1.0
MaxPos5%
5
25
5.8
trailing 7%
243
27.7
Sideways
21.5
4.73
2.8
124
8
51
64
false
Rebalance
Shift +1% to bonds from equity
1
-17
BrokerD
MKT
86
null
null
Normal monitoring
-36
19
55
3
false
Monitor dispersion and breadth
P2061
Opportunistic
401k
USD
2025-10-01
691,286
27,953
663,333
1
65.8
14
13
7.1
VNQ:24.1%;TLT:17.1%;XLF:13.6%;IEF:21.2%;BRK.B:24.1%
US:59.9;EU:17.1;APAC:13.6;EM:6.9;Other:2.5
Value:-0.0;Growth:-0.1;Quality:-0.3;Size:+0.2;Momentum:+0.4;LowVol:-0.9
null
7
30
4.8
trailing 7%
238
33.1
Volatile
27.8
4.5
4.2
112
52
89
67
false
NoAction
Within bands; monitor
5
12
BrokerB
LMT
93
null
null
Normal monitoring
13
-53
64
5
false
Monitor dispersion and breadth
P2062
Hands-off
Taxable
USD
2025-08-21
505,808
31,400
474,408
1
64.4
28.1
0
7.5
IEF:21.9%;QQQ:21.9%;VTI:9.8%;MUB:7.5%;MSFT:16.9%;AMZN:21.9%
US:66.2;EU:12.8;APAC:11.2;EM:5.7;Other:4.1
Value:+0.2;Growth:-0.2;Quality:-0.8;Size:-0.4;Momentum:0.0;LowVol:-0.9
ESGOnly;MaxPos8%;NoDerivatives
5
35
3.1
hard 10%
159
18.9
Bull
12.5
3.77
3.3
102
99
100
47
false
Rebalance
Shift +1% to bonds from equity
30
-17
BrokerA
MKT
96
null
null
Normal monitoring
109
-35
135
3
false
Increase defensive factor exposure
P2063
Active
Trust
USD
2024-09-10
1,124,754
117,729
1,007,025
1
51.9
21.8
20
6.3
QQQ:33.3%;MUB:33.3%;VTI:33.3%
US:66.9;EU:12.7;APAC:13.6;EM:6.4;Other:0.4
Value:-0.6;Growth:-0.2;Quality:+0.8;Size:-0.1;Momentum:-1.0;LowVol:-0.1
MaxPos5%
10
30
4.2
trailing 9%
174
27.8
Bull
17.1
4.33
3.5
72
20
52
54
false
NoAction
Within bands; monitor
31
-35
BrokerA
MKT
0
null
null
Normal monitoring
69
-18
135
5
false
Monitor dispersion and breadth
P2064
Systematic
Trust
USD
2025-05-27
1,129,477
86,644
1,042,833
1
69.3
20.2
2.7
7.8
QQQ:33.3%;IEF:33.3%;AAPL:33.3%
US:60.1;EU:17.6;APAC:7.8;EM:10.1;Other:4.3
Value:-0.9;Growth:+0.2;Quality:+0.9;Size:-0.2;Momentum:-0.1;LowVol:+0.1
null
10
30
4
trailing 9%
122
18.9
Bear
29.1
3.32
2.4
192
-73
28
82
true
Hedge
Buy index puts 1% notional
31
-23
BrokerB
LMT
86
Drift>tolerance
Reduce
Allocation drift beyond policy bands
49
-31
96
2
false
Monitor dispersion and breadth
P2065
Active
Trust
USD
2024-10-08
1,421,058
122,345
1,298,713
1
65.3
28.3
0.2
6.2
VNQ:21.1%;XLF:8.7%;QQQ:21.1%;IEF:20.9%;AMZN:7.1%;BRK.B:21.1%
US:66.3;EU:15.3;APAC:11.5;EM:4.8;Other:2.2
Value:+0.4;Growth:-0.0;Quality:+0.7;Size:-0.8;Momentum:+0.6;LowVol:-0.8
null
7
35
5.1
trailing 9%
198
18
Bull
12
3.73
2.1
72
60
69
49
false
Rebalance
Shift +1% to bonds from equity
0
15
BrokerB
LMT
91
null
null
Normal monitoring
119
-47
152
3
false
Tax-aware sells next window
P2066
Hands-off
401k
USD
2025-02-03
839,101
76,978
762,123
1
57.4
20.1
12.7
9.8
MSFT:25.3%;TSLA:27.5%;BND:27.5%;VOO:19.8%
US:63.2;EU:17.4;APAC:11.0;EM:5.2;Other:3.3
Value:-1.0;Growth:+0.9;Quality:-0.1;Size:+0.2;Momentum:+0.4;LowVol:+0.1
ESGOnly
5
35
3.4
trailing 10%
144
12.1
Sideways
14.5
4.33
2.8
130
-23
43
45
false
Buy
Add to core equity +1%
-13
-36
BrokerC
MKT
87
null
null
Normal monitoring
-32
-47
-66
4
false
Tax-aware sells next window
P2067
Systematic
Roth
USD
2025-11-11
752,072
35,243
716,829
1
58.4
23.7
8.5
9.3
MUB:33.1%;VNQ:33.5%;XLF:33.5%
US:64.9;EU:16.6;APAC:11.1;EM:4.8;Other:2.5
Value:+0.9;Growth:-0.5;Quality:-0.5;Size:+0.8;Momentum:+0.2;LowVol:-0.2
null
5
25
4.6
hard 12%
229
23.5
Sideways
14.8
3.67
2.1
132
-2
48
36
true
Hedge
Buy index puts 1% notional
11
11
BrokerB
MKT
98
VAR>budget
Hedge
Risk above budget threshold
12
8
114
5
false
Tighten stops on momentum names
P2068
Opportunistic
401k
USD
2024-07-26
689,143
24,144
664,999
1
72.2
19.6
0
8.2
BND:22.9%;IEF:22.9%;VOO:8.9%;BRK.B:22.9%;MSFT:22.5%
US:67.7;EU:9.5;APAC:13.8;EM:5.9;Other:3.1
Value:+0.4;Growth:+0.8;Quality:-0.6;Size:+0.3;Momentum:-0.7;LowVol:-0.1
null
5
25
4.7
trailing 9%
217
27.9
Volatile
23.9
4.18
2
163
-17
34
78
true
Rebalance
Rebalance back to target bands
24
4
BrokerA
MKT
95
VAR>budget
TightenStops
Risk above budget threshold
74
-36
182
5
false
Increase defensive factor exposure
P2069
Systematic
IRA
USD
2025-09-24
1,690,760
84,071
1,606,689
1
58.2
20.2
15.4
6.2
AAPL:22.4%;HYG:17.3%;VNQ:21.4%;VOO:16.4%;TLT:22.4%
US:64.4;EU:14.2;APAC:12.3;EM:7.6;Other:1.5
Value:-0.9;Growth:-0.7;Quality:-0.5;Size:+0.6;Momentum:-0.7;LowVol:+0.9
null
8
30
5.6
trailing 8%
221
26.9
Volatile
20.1
4.74
4.2
175
-20
42
49
false
Rebalance
Shift +1% to bonds from equity
19
3
BrokerD
LMT
91
null
null
Normal monitoring
119
6
81
4
false
Increase defensive factor exposure
P2070
Active
IRA
USD
2025-11-12
1,654,496
127,161
1,527,335
1
64.2
19.7
10.4
5.7
HYG:17.3%;GLD:27.6%;TLT:27.6%;VNQ:27.6%
US:68.5;EU:12.9;APAC:10.2;EM:8.3;Other:0.0
Value:-0.1;Growth:-0.4;Quality:+0.2;Size:-0.7;Momentum:+0.4;LowVol:+0.6
null
7
30
5.1
hard 12%
167
25.8
Bear
23.5
3.36
2.7
199
30
70
64
false
Rebalance
Shift +1% to bonds from equity
9
-13
BrokerB
LMT
90
null
null
Normal monitoring
-19
-47
0
4
false
Tax-aware sells next window
P2071
Systematic
IRA
USD
2024-12-19
1,074,503
105,342
969,161
1
66.9
25.5
1.7
5.9
XLF:17.4%;GLD:27.5%;VNQ:27.5%;QQQ:27.5%
US:62.7;EU:9.9;APAC:11.9;EM:11.5;Other:3.9
Value:-0.6;Growth:0.0;Quality:-0.2;Size:-0.1;Momentum:-0.1;LowVol:-0.0
MaxPos6%
10
25
5.8
hard 12%
186
26.6
Bull
12.9
4.15
3.4
81
15
48
53
false
Hedge
Add TLT +1% as duration hedge
28
-7
BrokerB
MKT
85
null
null
Normal monitoring
53
-18
140
4
false
Tax-aware sells next window
P2072
Opportunistic
Trust
USD
2025-07-18
404,101
36,346
367,755
1
60.5
11.8
19.8
7.9
MSFT:21.7%;IEF:17.7%;MUB:13.3%;HYG:14.3%;TSLA:11.2%;VNQ:21.7%
US:66.6;EU:17.2;APAC:11.5;EM:3.9;Other:0.8
Value:+0.9;Growth:-0.1;Quality:-0.4;Size:-1.0;Momentum:-0.1;LowVol:+0.8
NoDerivatives
8
30
6.3
hard 12%
227
22.2
Sideways
15.2
4.36
3.4
134
-9
57
46
false
Rebalance
Shift +1% to bonds from equity
9
-4
BrokerB
MKT
89
null
null
Normal monitoring
-48
-12
30
4
false
Increase defensive factor exposure
P2073
Opportunistic
Trust
USD
2025-12-25
1,604,119
75,404
1,528,715
1.07
68.9
16.8
8.2
6.1
AMZN:25.3%;BND:25.3%;HYG:24.0%;AAPL:25.3%
US:61.5;EU:12.0;APAC:12.1;EM:10.3;Other:4.2
Value:-0.7;Growth:+0.7;Quality:-0.7;Size:-0.9;Momentum:-0.6;LowVol:+0.1
null
6
35
6.8
trailing 9%
183
33.5
Bull
15.5
4.76
2.3
77
41
85
55
false
Rebalance
Shift +1% to bonds from equity
-10
-28
BrokerB
MKT
93
null
null
Normal monitoring
86
-54
108
5
false
Tighten stops on momentum names
P2074
Cautious
IRA
USD
2024-12-30
203,531
32,267
171,264
1
42.5
44.1
0.5
13
QQQ:23.9%;TLT:18.5%;BRK.B:21.7%;TSLA:12.0%;AMZN:23.9%
US:56.4;EU:16.8;APAC:13.4;EM:10.9;Other:2.5
Value:-0.7;Growth:+0.7;Quality:-0.9;Size:-0.5;Momentum:-0.7;LowVol:+1.0
NoMargin
7
30
3.8
hard 10%
118
19.7
Volatile
29.1
3.74
4.1
133
62
89
56
true
Hedge
Buy index puts 1% notional
16
-12
BrokerB
LMT
91
VAR>budget
TightenStops
Risk above budget threshold
-9
10
59
4
false
Tax-aware sells next window
P2075
Hands-off
IRA
USD
2024-11-11
407,731
31,910
375,821
1
67.9
19
4.3
8.8
HYG:18.2%;QQQ:11.5%;VOO:20.2%;BND:18.8%;AAPL:19.7%;VNQ:11.6%
US:73.5;EU:13.3;APAC:6.1;EM:5.7;Other:1.5
Value:+0.5;Growth:-0.5;Quality:+0.3;Size:-0.8;Momentum:+0.1;LowVol:+1.0
ESGOnly;MaxPos8%
7
30
5.6
trailing 10%
142
14.7
Bull
17.8
4.35
2.1
108
21
73
51
false
Sell
Trim extended winner -1%
-12
-26
BrokerA
MKT
95
null
null
Normal monitoring
-46
-28
31
5
false
Within IPS guidelines
P2076
Active
Trust
USD
2024-11-26
500,194
46,874
453,320
1
61.1
29.5
0.9
8.6
MSFT:25.4%;VOO:23.9%;IEF:25.4%;AMZN:25.4%
US:62.3;EU:17.2;APAC:13.6;EM:4.3;Other:2.6
Value:-0.3;Growth:0.0;Quality:-0.0;Size:-0.3;Momentum:+0.3;LowVol:-0.7
MaxPos8%
8
35
4.1
hard 12%
132
28
Bull
12
4.39
2.5
100
46
72
39
false
Rebalance
Shift +1% to bonds from equity
-9
-21
BrokerB
MKT
86
null
null
Normal monitoring
64
-60
142
5
false
Monitor dispersion and breadth
P2077
Opportunistic
Trust
USD
2025-02-18
1,040,473
50,555
989,918
1.19
73.8
18.7
0
7.5
QQQ:15.8%;XLF:22.2%;IEF:22.2%;VNQ:17.5%;VTI:22.2%
US:64.8;EU:15.2;APAC:12.9;EM:3.3;Other:3.8
Value:-0.2;Growth:+0.4;Quality:-0.6;Size:-0.3;Momentum:+0.4;LowVol:-0.2
null
6
25
6.5
hard 12%
278
26
Bull
13.3
3.65
2.6
75
34
79
51
false
Hedge
Add TLT +1% as duration hedge
32
-9
BrokerA
MKT
86
null
null
Normal monitoring
72
-46
199
5
false
Tighten stops on momentum names
P2078
Active
Trust
USD
2025-07-24
1,536,611
131,703
1,404,908
1
54
19.1
18.4
8.6
HYG:6.8%;MSFT:21.9%;XLF:6.9%;TSLA:22.0%;QQQ:20.4%;GLD:22.0%
US:63.5;EU:10.1;APAC:15.9;EM:5.9;Other:4.5
Value:+0.3;Growth:+0.6;Quality:-0.8;Size:-0.8;Momentum:+0.1;LowVol:+0.8
null
10
35
5.3
hard 12%
137
25.4
Volatile
20.4
3.77
3.6
139
18
60
46
false
Rebalance
Shift +1% to bonds from equity
31
-10
BrokerC
MKT
87
null
null
Normal monitoring
54
-11
73
5
false
Within IPS guidelines
P2079
Active
Trust
USD
2025-04-26
1,714,794
160,273
1,554,521
1
61.8
29.6
0
8.7
VOO:22.3%;TLT:15.1%;QQQ:21.2%;AAPL:22.3%;VNQ:19.1%
US:62.4;EU:10.2;APAC:12.3;EM:9.7;Other:5.4
Value:-0.7;Growth:+0.3;Quality:+0.9;Size:-0.5;Momentum:+0.2;LowVol:+0.8
MaxPos7%
6
25
4.1
trailing 9%
140
26.8
Bull
12.7
4.16
2.4
113
50
80
50
false
Rebalance
Shift +1% to bonds from equity
-8
-27
BrokerC
MKT
94
null
null
Normal monitoring
-44
-49
41
5
false
Tighten stops on momentum names
P2080
Systematic
401k
USD
2025-03-26
1,065,319
51,195
1,014,124
1
63.5
31.5
0
5
GLD:22.9%;IEF:8.6%;AAPL:22.9%;MUB:22.7%;VTI:22.9%
US:68.1;EU:6.7;APAC:15.2;EM:9.4;Other:0.6
Value:-0.4;Growth:+0.9;Quality:+0.9;Size:+0.6;Momentum:+0.5;LowVol:+0.7
MaxPos8%
5
25
4.8
hard 12%
168
25.8
Volatile
20.3
3.74
4.3
119
36
58
55
false
Rebalance
Shift +1% to bonds from equity
-9
10
BrokerC
MKT
86
null
null
Normal monitoring
77
-39
159
4
false
Increase defensive factor exposure
P2081
Opportunistic
IRA
USD
2025-05-18
1,259,195
100,287
1,158,908
1
70.6
10.6
12.8
5.9
BRK.B:25.0%;TSLA:25.0%;BND:25.0%;AMZN:25.0%
US:63.1;EU:11.1;APAC:14.2;EM:6.4;Other:5.3
Value:-0.4;Growth:+0.6;Quality:+0.3;Size:-0.8;Momentum:-0.3;LowVol:+0.9
null
6
35
6.4
trailing 9%
193
20
Bull
11.3
3.77
3
71
112
100
35
false
Hedge
Add TLT +1% as duration hedge
19
2
BrokerD
LMT
98
null
null
Normal monitoring
32
-36
109
4
false
Monitor dispersion and breadth
P2082
Opportunistic
IRA
USD
2025-06-20
1,716,782
53,376
1,663,406
1.12
74
19.9
0
6.1
XLF:18.1%;AAPL:18.7%;BRK.B:10.2%;IEF:20.5%;AMZN:13.8%;TLT:18.7%
US:58.2;EU:17.9;APAC:11.9;EM:7.5;Other:4.5
Value:-0.4;Growth:-0.8;Quality:+0.2;Size:+0.5;Momentum:-0.9;LowVol:+0.1
null
10
35
4.8
trailing 7%
165
21.7
Bull
12
3.98
2.6
95
109
100
48
false
Buy
Add to core equity +1%
4
-31
BrokerD
MKT
96
null
null
Normal monitoring
34
-35
81
5
false
Monitor dispersion and breadth
P2083
Opportunistic
401k
USD
2025-06-22
1,726,786
100,570
1,626,216
1
73.8
10.9
10.6
4.7
AMZN:13.3%;VTI:28.9%;AAPL:28.9%;IEF:28.9%
US:75.2;EU:6.7;APAC:9.5;EM:4.3;Other:4.2
Value:+0.3;Growth:+0.2;Quality:+0.4;Size:+0.9;Momentum:+0.6;LowVol:-0.7
MaxPos7%
5
35
5.4
trailing 7%
230
20.1
Sideways
18.5
4.43
3.1
93
-7
47
64
false
Buy
Add to core equity +1%
20
-36
BrokerC
LMT
87
null
null
Normal monitoring
-42
-11
-21
5
false
Monitor dispersion and breadth
P2084
Active
401k
USD
2025-08-30
533,187
50,730
482,457
1
66.1
29.2
0
4.8
VNQ:33.3%;AMZN:33.3%;IEF:33.3%
US:57.4;EU:18.1;APAC:13.8;EM:8.4;Other:2.4
Value:-0.2;Growth:-0.0;Quality:-0.8;Size:-0.8;Momentum:-0.8;LowVol:-0.6
MaxPos6%;NoDerivatives
8
35
4.2
trailing 9%
169
22.1
Volatile
31.8
3.67
2.6
117
54
64
90
true
Reduce
Cut high-beta by 2-3%, add cash
27
-33
BrokerB
VWAP
89
Drift>tolerance
TightenStops
Allocation drift beyond policy bands
113
-27
178
5
false
Monitor dispersion and breadth
P2085
Hands-off
Roth
USD
2025-09-14
338,897
24,718
314,179
1
69
21.4
0
9.6
AMZN:33.3%;VNQ:33.3%;MSFT:33.3%
US:67.5;EU:10.6;APAC:12.9;EM:6.1;Other:2.8
Value:+0.2;Growth:+0.3;Quality:+0.5;Size:-0.8;Momentum:-0.5;LowVol:-0.1
MaxPos5%
6
25
5.9
hard 10%
162
14.4
Volatile
23.3
3.67
2
131
-16
33
60
false
NoAction
Within bands; monitor
17
-37
BrokerB
LMT
87
null
null
Normal monitoring
40
-47
179
4
false
Increase defensive factor exposure
P2086
Active
Roth
USD
2024-11-02
506,922
60,106
446,816
1
57.9
21.9
12.2
8
GLD:27.5%;MSFT:26.8%;IEF:18.2%;MUB:27.5%
US:66.6;EU:16.0;APAC:5.4;EM:10.3;Other:1.8
Value:-0.2;Growth:+0.6;Quality:+0.7;Size:+0.9;Momentum:+0.6;LowVol:-0.9
null
6
35
4.9
trailing 9%
159
20.8
Bull
11.2
4.33
3
77
44
85
38
false
Rebalance
Shift +1% to bonds from equity
10
7
BrokerC
MKT
88
null
null
Normal monitoring
62
13
36
5
false
Monitor dispersion and breadth
P2087
Hands-off
Trust
USD
2024-07-22
821,957
78,218
743,739
1
65.8
27
0
7.3
AMZN:20.9%;QQQ:20.9%;HYG:20.5%;BRK.B:18.7%;AAPL:19.0%
US:66.0;EU:15.1;APAC:5.6;EM:11.4;Other:2.0
Value:+0.2;Growth:+0.4;Quality:+0.3;Size:-1.0;Momentum:-0.8;LowVol:-0.7
ESGOnly;MaxPos6%
10
30
5.1
trailing 10%
116
14.8
Sideways
17.3
4.67
2.9
134
17
61
48
false
NoAction
Within bands; monitor
27
-16
BrokerC
MKT
0
null
null
Normal monitoring
50
-44
125
5
false
Increase defensive factor exposure
P2088
Opportunistic
IRA
USD
2025-04-14
820,100
65,129
754,971
1
60.1
11.2
23.2
5.5
IEF:23.4%;HYG:20.6%;XLF:23.4%;BND:15.4%;TSLA:17.2%
US:59.6;EU:9.6;APAC:14.2;EM:13.3;Other:3.3
Value:+0.1;Growth:+1.0;Quality:-0.4;Size:-0.3;Momentum:-0.1;LowVol:+0.2
NoDerivatives
7
25
4.2
trailing 7%
251
31.5
Bull
15.7
4.08
3.1
117
67
71
42
false
Sell
Trim extended winner -1%
18
-39
BrokerD
MKT
87
null
null
Normal monitoring
-35
-52
-27
3
false
Tighten stops on momentum names
P2089
Hands-off
Trust
USD
2025-09-09
713,065
57,473
655,592
1
60.2
21.6
12.7
5.5
IEF:27.8%;GLD:16.6%;AMZN:27.8%;VNQ:27.8%
US:70.6;EU:7.5;APAC:15.6;EM:5.7;Other:0.6
Value:-0.5;Growth:-1.0;Quality:-0.7;Size:-0.0;Momentum:+0.1;LowVol:+0.1
MaxPos6%
8
25
4
hard 10%
144
17.1
Volatile
25.8
3.9
3.3
176
71
97
71
true
Rebalance
Rebalance back to target bands
-4
8
BrokerA
LMT
97
Drift>tolerance
Hedge
Allocation drift beyond policy bands
-42
-36
-22
3
false
Monitor dispersion and breadth
P2090
Opportunistic
401k
USD
2025-04-18
552,942
39,182
513,760
1.21
63
17.4
13.8
5.7
MUB:22.7%;AAPL:29.6%;GLD:18.0%;AMZN:29.6%
US:68.1;EU:11.8;APAC:12.2;EM:6.6;Other:1.2
Value:+0.7;Growth:-0.3;Quality:+0.2;Size:+0.2;Momentum:+0.6;LowVol:-0.8
MaxPos6%
7
35
5
hard 12%
203
32.6
Bear
24.7
4.02
2.5
193
1
47
62
false
Buy
Add to core equity +1%
32
-29
BrokerA
MKT
96
null
null
Normal monitoring
22
-42
128
3
false
Tax-aware sells next window
P2091
Systematic
Roth
USD
2025-07-14
1,361,331
127,117
1,234,214
1
61.6
29.7
0
8.7
VOO:10.3%;HYG:22.8%;MSFT:22.8%;XLF:10.7%;AAPL:10.4%;GLD:22.8%
US:75.5;EU:6.2;APAC:8.5;EM:9.7;Other:0.1
Value:+0.7;Growth:-0.7;Quality:+0.8;Size:+1.0;Momentum:-0.4;LowVol:-0.0
MaxPos8%;NoDerivatives
10
35
5.7
trailing 8%
205
23.6
Bull
12.7
3.6
2
102
33
67
39
false
Rebalance
Shift +1% to bonds from equity
26
6
BrokerA
MKT
97
null
null
Normal monitoring
13
-45
127
4
false
Tighten stops on momentum names
P2092
Hands-off
IRA
USD
2025-06-11
772,284
65,674
706,610
1
68.9
22.9
0
8.2
TSLA:19.7%;HYG:22.4%;XLF:22.4%;QQQ:12.2%;IEF:6.9%;MSFT:16.5%
US:74.7;EU:10.3;APAC:8.6;EM:3.8;Other:2.6
Value:-0.2;Growth:0.0;Quality:+0.6;Size:-0.7;Momentum:+0.5;LowVol:+0.3
ESGOnly;MaxPos5%
8
30
3.1
hard 10%
94
16.3
Sideways
19.1
4.68
3.5
124
31
76
68
false
Buy
Add to core equity +1%
24
15
BrokerA
LMT
90
null
null
Normal monitoring
97
-50
68
5
false
Tax-aware sells next window
P2093
Opportunistic
IRA
USD
2025-11-05
1,061,047
85,648
975,399
1.23
68.2
15.5
9
7.3
QQQ:11.7%;AMZN:14.7%;AAPL:9.6%;IEF:18.7%;XLF:22.7%;TSLA:22.7%
US:69.4;EU:16.6;APAC:9.3;EM:2.9;Other:1.9
Value:-0.9;Growth:+0.3;Quality:-0.3;Size:+0.8;Momentum:+0.8;LowVol:-0.6
null
6
35
5.7
trailing 9%
254
33.2
Volatile
22.5
3.67
2.9
137
-56
32
69
false
Sell
Trim extended winner -1%
8
2
BrokerD
LMT
96
null
null
Normal monitoring
25
8
19
3
false
Tax-aware sells next window
P2094
Cautious
IRA
USD
2025-10-15
655,613
89,571
566,042
1
45
42
0
13.1
GLD:33.3%;MSFT:33.3%;VTI:33.3%
US:60.8;EU:16.6;APAC:9.4;EM:10.9;Other:2.3
Value:-0.5;Growth:+0.3;Quality:+0.5;Size:+0.1;Momentum:-0.9;LowVol:+0.9
MaxPos6%;NoMargin
6
25
3
trailing 8%
105
14.3
Bear
31.2
3.34
2.8
146
-3
50
75
true
Hedge
Buy index puts 1% notional
17
4
BrokerA
LMT
98
Drift>tolerance
TightenStops
Allocation drift beyond policy bands
-55
8
57
5
false
Tighten stops on momentum names
P2095
Hands-off
Roth
USD
2024-11-26
817,907
47,776
770,131
1
72.3
19.1
1.7
6.9
VTI:28.3%;AAPL:28.3%;BND:15.0%;MUB:28.3%
US:71.7;EU:11.4;APAC:7.6;EM:7.1;Other:2.1
Value:+0.3;Growth:+0.9;Quality:+0.4;Size:-0.2;Momentum:+0.1;LowVol:+0.4
ESGOnly
8
25
3.2
trailing 8%
135
12.5
Sideways
16.6
5
2.1
95
55
79
62
false
Rebalance
Shift +1% to bonds from equity
16
-29
BrokerB
MKT
87
null
null
Normal monitoring
-7
-47
75
5
false
Increase defensive factor exposure
P2096
Opportunistic
401k
USD
2024-07-31
547,382
45,841
501,541
1.24
60.8
18.3
16.6
4.4
VOO:9.8%;HYG:15.6%;XLF:24.9%;TLT:24.9%;MSFT:24.9%
US:62.1;EU:16.4;APAC:12.1;EM:5.6;Other:3.9
Value:+0.4;Growth:+0.5;Quality:-0.3;Size:+0.3;Momentum:-0.2;LowVol:-0.3
MaxPos6%
8
35
4.1
trailing 9%
247
29.2
Volatile
25
3.74
2.4
161
15
71
63
true
Reduce
Cut high-beta by 2-3%, add cash
28
14
BrokerD
LMT
87
VAR>budget
Reduce
Risk above budget threshold
-40
-50
-9
3
false
Within IPS guidelines
P2097
Systematic
IRA
USD
2024-09-23
1,810,755
95,988
1,714,767
1
68.5
24.9
0
6.6
TSLA:14.8%;IEF:17.5%;BND:14.7%;AMZN:19.4%;QQQ:19.7%;HYG:13.9%
US:58.5;EU:14.0;APAC:14.3;EM:8.5;Other:4.7
Value:+0.9;Growth:+0.4;Quality:-0.9;Size:-0.7;Momentum:+0.4;LowVol:-0.7
null
5
30
4.3
hard 12%
183
16.1
Bull
15.4
3.83
3.2
93
117
93
41
false
Sell
Trim extended winner -1%
18
-37
BrokerD
MKT
97
null
null
Normal monitoring
113
-57
83
5
false
Tax-aware sells next window
P2098
Cautious
Trust
USD
2025-12-14
259,314
40,528
218,786
1
49.9
34
0
16.1
MSFT:33.3%;TLT:33.3%;IEF:33.3%
US:66.6;EU:10.0;APAC:14.6;EM:5.1;Other:3.7
Value:-0.4;Growth:-0.1;Quality:-0.7;Size:+0.8;Momentum:+0.3;LowVol:+0.5
NoMargin
10
35
5
trailing 10%
107
14.7
Volatile
25.5
5.41
3.9
143
75
100
52
false
NoAction
Within bands; monitor
13
7
BrokerD
LMT
87
null
null
Normal monitoring
-25
-20
38
4
false
Monitor dispersion and breadth
P2099
Cautious
IRA
USD
2024-12-06
634,067
73,396
560,671
1
46
32.2
6
15.8
AAPL:10.4%;BRK.B:11.9%;VOO:23.3%;TLT:22.6%;QQQ:23.3%;MSFT:8.5%
US:77.3;EU:11.9;APAC:5.4;EM:3.8;Other:1.6
Value:+0.3;Growth:+0.6;Quality:-0.4;Size:-1.0;Momentum:+0.8;LowVol:+0.3
MaxPos6%;NoMargin
10
30
5.7
trailing 8%
96
12.4
Bull
11.5
3.51
3
114
0
36
35
false
Rebalance
Shift +1% to bonds from equity
28
-11
BrokerC
LMT
88
null
null
Normal monitoring
-51
-23
66
5
false
Monitor dispersion and breadth
P2100
Hands-off
401k
USD
2024-07-13
211,129
10,221
200,908
1
59
25.1
10.6
5.3
TSLA:35.9%;IEF:28.3%;AMZN:35.9%
US:67.5;EU:11.4;APAC:9.2;EM:8.2;Other:3.7
Value:-0.7;Growth:+0.3;Quality:-0.3;Size:-0.5;Momentum:+0.6;LowVol:-0.3
MaxPos8%
7
25
4.8
trailing 8%
129
13.9
Bull
12.1
4.41
2.2
87
108
100
44
false
Rebalance
Shift +1% to bonds from equity
-4
-27
BrokerC
VWAP
89
null
null
Normal monitoring
110
-34
101
4
false
Monitor dispersion and breadth