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
P0301
Opportunistic
Trust
USD
2025-09-11
1,564,937
109,524
1,455,413
1
74.8
17.2
0
8
AMZN:27.3%;XLF:27.3%;MUB:18.1%;AAPL:27.3%
US:65.5;EU:15.2;APAC:8.0;EM:8.5;Other:2.8
Value:-0.1;Growth:-0.6;Quality:+0.4;Size:-0.3;Momentum:-0.8;LowVol:+0.6
null
8
25
5.2
trailing 7%
253
30.7
Bear
29.4
3.37
2.9
185
-38
17
74
true
Hedge
Buy index puts 1% notional
20
-18
BrokerD
LMT
94
RegimeShift
Reduce
Volatility spike and breadth deterioration
28
-29
151
5
false
Increase defensive factor exposure
P0302
Active
401k
USD
2024-09-16
1,866,800
134,495
1,732,305
1.13
57.8
26.3
8.9
7.1
TLT:26.7%;BRK.B:26.7%;AMZN:20.0%;HYG:26.7%
US:65.1;EU:10.6;APAC:12.1;EM:9.0;Other:3.1
Value:+0.3;Growth:+0.4;Quality:-0.7;Size:-1.0;Momentum:-0.2;LowVol:-0.3
null
8
25
5.6
hard 12%
220
20.7
Volatile
24.9
4.84
3.9
147
-60
21
59
false
Buy
Add to core equity +1%
-12
-15
BrokerA
MKT
98
null
null
Normal monitoring
29
-42
60
4
false
Increase defensive factor exposure
P0303
Cautious
IRA
USD
2024-12-02
229,771
22,655
207,116
1
44.4
41.2
1.8
12.5
TSLA:22.2%;BRK.B:22.2%;BND:22.2%;GLD:14.7%;HYG:18.7%
US:76.7;EU:10.6;APAC:6.2;EM:6.3;Other:0.2
Value:-0.1;Growth:-0.1;Quality:+0.2;Size:+0.2;Momentum:+0.7;LowVol:-0.4
ESGOnly;MaxPos6%;NoMargin
5
25
3
trailing 8%
92
12.5
Volatile
30.6
5.07
2.9
118
13
46
64
true
Reduce
Cut high-beta by 2-3%, add cash
14
-24
BrokerA
MKT
100
RegimeShift
Reduce
Volatility spike and breadth deterioration
56
-18
191
5
false
Monitor dispersion and breadth
P0304
Opportunistic
Roth
USD
2024-09-27
1,361,072
43,428
1,317,644
1
73.8
13.4
6.8
6.1
TLT:16.9%;VOO:10.8%;HYG:14.0%;VTI:19.2%;VNQ:21.3%;TSLA:17.8%
US:75.3;EU:9.9;APAC:6.3;EM:6.4;Other:2.1
Value:+0.6;Growth:+0.1;Quality:+0.5;Size:+1.0;Momentum:+0.9;LowVol:+0.1
MaxPos5%
5
25
6.6
trailing 7%
254
34.9
Volatile
23.6
5.38
3.7
133
-30
23
79
true
Hedge
Buy index puts 1% notional
20
-40
BrokerA
MKT
88
VAR>budget
Hedge
Risk above budget threshold
45
10
7
4
false
Within IPS guidelines
P0305
Cautious
401k
USD
2024-11-18
227,663
35,701
191,962
1
51.4
35.3
0
13.3
MSFT:23.5%;TSLA:19.2%;BRK.B:28.6%;IEF:28.6%
US:62.1;EU:10.9;APAC:16.8;EM:6.1;Other:4.0
Value:-0.4;Growth:+0.4;Quality:-0.0;Size:0.0;Momentum:-0.8;LowVol:+0.5
NoMargin
6
30
3.4
trailing 8%
101
16.4
Bull
13
3.6
3.1
102
89
88
26
false
Rebalance
Shift +1% to bonds from equity
21
-33
BrokerA
MKT
96
null
null
Normal monitoring
54
1
35
3
false
Tighten stops on momentum names
P0306
Cautious
IRA
USD
2025-05-19
803,021
113,338
689,683
1
42.7
31.9
12.7
12.6
GLD:21.5%;QQQ:14.0%;IEF:21.4%;MUB:21.5%;VNQ:21.5%
US:66.2;EU:15.4;APAC:5.7;EM:9.7;Other:2.9
Value:+0.5;Growth:-0.3;Quality:+0.4;Size:-0.0;Momentum:+0.5;LowVol:-0.9
ESGOnly;NoDerivatives;NoMargin
8
35
3.9
trailing 10%
129
17.3
Volatile
24.1
4.44
4.1
171
-40
34
58
false
Hedge
Add TLT +1% as duration hedge
14
8
BrokerD
MKT
91
null
null
Normal monitoring
111
-47
108
4
false
Tax-aware sells next window
P0307
Cautious
Roth
USD
2025-12-17
329,586
32,275
297,311
1
36.8
41.7
7.3
14.2
GLD:19.3%;BND:22.2%;AAPL:22.2%;VTI:14.2%;AMZN:22.2%
US:66.2;EU:11.6;APAC:8.0;EM:9.5;Other:4.7
Value:+0.2;Growth:-1.0;Quality:+0.9;Size:+0.1;Momentum:-0.5;LowVol:+1.0
ESGOnly;NoDerivatives;NoMargin
7
25
4.3
trailing 8%
161
15.2
Volatile
27.4
5.18
2.9
137
-10
44
56
false
Rebalance
Shift +1% to bonds from equity
-11
2
BrokerB
MKT
100
null
null
Normal monitoring
-33
-46
-72
4
false
Tighten stops on momentum names
P0308
Active
Taxable
USD
2025-01-31
1,781,020
197,918
1,583,102
1
55.1
19.3
16.7
8.8
AMZN:33.3%;AAPL:33.3%;XLF:33.3%
US:65.6;EU:8.0;APAC:11.3;EM:12.0;Other:3.1
Value:+0.9;Growth:-0.5;Quality:-1.0;Size:-0.7;Momentum:-1.0;LowVol:+1.0
null
8
30
4.1
trailing 9%
212
26.3
Sideways
20
3.65
2.3
108
18
56
44
true
Hedge
Buy index puts 1% notional
-5
9
BrokerD
LMT
90
Drift>tolerance
Reduce
Allocation drift beyond policy bands
-36
-2
-33
2
false
Monitor dispersion and breadth
P0309
Systematic
Roth
USD
2025-11-30
748,722
39,610
709,112
1
59.6
29.6
1.7
9.1
AMZN:22.0%;BRK.B:14.2%;VTI:22.0%;AAPL:19.9%;VOO:22.0%
US:69.7;EU:11.4;APAC:6.9;EM:10.0;Other:2.0
Value:+0.2;Growth:+0.1;Quality:+0.2;Size:-0.6;Momentum:-0.1;LowVol:-0.4
null
5
25
4.8
trailing 8%
184
22.9
Bull
17.5
4.64
2.3
80
53
88
58
true
Hedge
Buy index puts 1% notional
9
6
BrokerC
VWAP
88
RegimeShift
Pause
Volatility spike and breadth deterioration
85
-8
171
2
false
Tax-aware sells next window
P0310
Opportunistic
401k
USD
2025-10-20
404,773
17,026
387,747
1
68.8
19.4
7.5
4.3
TSLA:22.0%;BND:20.1%;HYG:20.8%;MUB:13.2%;VNQ:13.5%;MSFT:10.5%
US:73.1;EU:12.8;APAC:5.9;EM:6.3;Other:1.8
Value:-0.3;Growth:-0.5;Quality:+0.7;Size:-0.4;Momentum:+0.3;LowVol:-0.0
MaxPos7%;NoDerivatives
10
25
6
trailing 9%
195
29.4
Sideways
15.8
4.31
2.4
115
-15
43
54
false
NoAction
Within bands; monitor
29
-12
BrokerD
VWAP
85
null
null
Normal monitoring
-34
1
-51
5
false
Monitor dispersion and breadth
P0311
Hands-off
401k
USD
2025-09-18
358,141
31,456
326,685
1
69.1
15.8
9.6
5.5
XLF:24.0%;IEF:24.0%;TSLA:14.2%;VTI:13.8%;AAPL:24.0%
US:72.4;EU:7.3;APAC:10.1;EM:8.0;Other:2.1
Value:-0.3;Growth:-0.1;Quality:-0.2;Size:-0.5;Momentum:+0.9;LowVol:-0.2
ESGOnly
6
30
3.1
hard 10%
164
18.6
Bear
23.8
3.42
2
157
-12
40
69
false
Sell
Trim extended winner -1%
-3
-17
BrokerA
LMT
93
null
null
Normal monitoring
116
-4
237
3
false
Tighten stops on momentum names
P0312
Hands-off
Roth
USD
2024-08-15
752,067
73,947
678,120
1
64.2
21.2
7.6
7
AAPL:24.1%;TSLA:24.1%;QQQ:12.0%;VTI:24.1%;VOO:15.9%
US:78.0;EU:5.3;APAC:5.6;EM:8.4;Other:2.7
Value:+0.2;Growth:-0.5;Quality:+0.7;Size:-0.4;Momentum:+0.2;LowVol:+0.9
MaxPos5%;NoDerivatives
10
35
5.6
hard 10%
130
12.8
Volatile
24.9
4.08
2.1
158
55
79
78
true
Rebalance
Rebalance back to target bands
34
-13
BrokerC
VWAP
94
Drift>tolerance
Reduce
Allocation drift beyond policy bands
104
-54
214
3
false
Within IPS guidelines
P0313
Cautious
Trust
USD
2025-07-11
757,689
117,748
639,941
1
45.6
35.1
8.7
10.7
VTI:20.3%;MSFT:26.6%;XLF:26.6%;TSLA:26.6%
US:70.7;EU:10.1;APAC:10.8;EM:6.8;Other:1.6
Value:+0.1;Growth:-0.5;Quality:-0.8;Size:+0.8;Momentum:-0.1;LowVol:-0.1
ESGOnly;NoMargin
8
30
5.7
trailing 8%
160
12.1
Bull
14
3.74
2.4
77
116
100
26
true
Reduce
Cut high-beta by 2-3%, add cash
13
-22
BrokerC
LMT
86
RegimeShift
Pause
Volatility spike and breadth deterioration
22
-28
75
2
false
Within IPS guidelines
P0314
Hands-off
Taxable
USD
2025-07-06
223,718
13,178
210,540
1
68.8
24.6
0
6.6
VTI:10.0%;GLD:14.2%;BRK.B:25.3%;BND:25.3%;XLF:25.3%
US:66.1;EU:14.2;APAC:7.4;EM:9.8;Other:2.4
Value:+0.6;Growth:-0.8;Quality:+0.4;Size:-0.2;Momentum:-0.9;LowVol:-0.8
null
7
25
4.8
trailing 10%
112
17.6
Volatile
30.1
4.54
4.3
112
38
61
88
true
Reduce
Cut high-beta by 2-3%, add cash
17
-33
BrokerD
VWAP
95
Drift>tolerance
Pause
Allocation drift beyond policy bands
108
-18
115
5
true
Monitor dispersion and breadth
P0315
Hands-off
Taxable
USD
2024-11-07
257,579
21,130
236,449
1
55.7
26.2
12
6.2
VNQ:19.5%;XLF:26.8%;BND:26.8%;TLT:26.8%
US:59.7;EU:11.2;APAC:14.1;EM:10.3;Other:4.8
Value:-0.1;Growth:+0.3;Quality:-0.8;Size:-0.9;Momentum:+0.1;LowVol:-0.5
null
6
35
4.7
trailing 8%
96
15.4
Bull
14.3
4.14
2.6
115
75
80
44
false
Rebalance
Shift +1% to bonds from equity
27
7
BrokerB
MKT
99
null
null
Normal monitoring
120
-36
110
5
false
Within IPS guidelines
P0316
Systematic
Trust
USD
2024-09-03
1,775,844
135,393
1,640,451
1
63
28.4
0
8.6
TSLA:12.4%;HYG:23.0%;BRK.B:23.0%;BND:18.6%;GLD:23.0%
US:70.1;EU:7.6;APAC:7.1;EM:12.1;Other:3.0
Value:-0.1;Growth:-0.5;Quality:-0.1;Size:+0.7;Momentum:+0.5;LowVol:+0.4
MaxPos7%
7
30
5
hard 12%
125
20.8
Bull
13.8
4.85
2.1
101
49
61
39
false
Buy
Add to core equity +1%
17
-29
BrokerD
LMT
87
null
null
Normal monitoring
44
-22
44
5
false
Tighten stops on momentum names
P0317
Hands-off
Roth
USD
2025-04-18
658,204
52,928
605,276
1
72.4
16.2
5.4
6
BRK.B:22.8%;HYG:22.8%;AMZN:22.8%;VNQ:13.8%;GLD:17.7%
US:72.0;EU:9.4;APAC:12.7;EM:5.3;Other:0.6
Value:0.0;Growth:+0.3;Quality:-0.5;Size:-0.9;Momentum:+0.1;LowVol:-0.2
NoDerivatives
7
30
4.3
trailing 8%
123
16.4
Sideways
21.9
4.56
3.3
115
20
46
61
false
Buy
Add to core equity +1%
14
-37
BrokerA
MKT
94
null
null
Normal monitoring
-10
-51
47
5
false
Monitor dispersion and breadth
P0318
Active
401k
USD
2025-12-12
1,153,980
85,729
1,068,251
1.14
58.5
19.8
14.3
7.5
BND:20.1%;QQQ:20.6%;HYG:29.7%;MUB:29.7%
US:66.9;EU:8.9;APAC:12.6;EM:9.4;Other:2.3
Value:+0.3;Growth:+0.4;Quality:-0.5;Size:-0.7;Momentum:-0.0;LowVol:+0.6
null
8
35
4.4
hard 12%
203
18
Sideways
18.9
4.33
2.3
111
-24
43
42
false
Buy
Add to core equity +1%
2
-37
BrokerD
MKT
93
null
null
Normal monitoring
18
-55
60
4
false
Monitor dispersion and breadth
P0319
Systematic
Taxable
USD
2024-08-29
1,236,197
82,079
1,154,118
1
55.6
24
12.3
8.1
AAPL:21.6%;BND:18.1%;TLT:21.6%;VOO:17.2%;IEF:21.6%
US:65.5;EU:13.3;APAC:13.2;EM:7.8;Other:0.3
Value:-0.9;Growth:-1.0;Quality:0.0;Size:+0.4;Momentum:-0.6;LowVol:-0.5
MaxPos7%
5
25
4.9
trailing 9%
211
26.9
Bull
12
4.64
2.7
116
41
61
41
false
Rebalance
Shift +1% to bonds from equity
27
-13
BrokerA
MKT
97
null
null
Normal monitoring
108
-22
211
5
false
Increase defensive factor exposure
P0320
Hands-off
401k
USD
2025-10-25
860,820
36,044
824,776
1
55.1
29.7
7
8.2
IEF:33.3%;AMZN:33.3%;VTI:33.3%
US:71.0;EU:6.6;APAC:9.5;EM:9.4;Other:3.5
Value:-0.2;Growth:-0.1;Quality:+0.3;Size:-0.2;Momentum:+0.1;LowVol:+0.6
ESGOnly;MaxPos7%
7
30
4.6
hard 10%
153
12.1
Bear
31.1
4.46
2.6
166
-3
38
67
false
Sell
Trim extended winner -1%
-6
-34
BrokerA
MKT
85
null
null
Normal monitoring
10
-16
64
3
false
Within IPS guidelines
P0321
Hands-off
401k
USD
2025-10-19
319,187
28,204
290,983
1
65
20.6
5.5
8.9
VTI:15.3%;AMZN:18.9%;QQQ:11.2%;VOO:16.5%;VNQ:17.7%;MUB:20.4%
US:69.1;EU:13.5;APAC:5.2;EM:7.9;Other:4.4
Value:-0.3;Growth:+0.1;Quality:+0.2;Size:-0.9;Momentum:+0.2;LowVol:+0.4
ESGOnly
6
25
4.1
trailing 8%
114
18.1
Volatile
25.8
4.01
2.6
171
27
69
69
true
Reduce
Cut high-beta by 2-3%, add cash
16
9
BrokerD
LMT
90
Drift>tolerance
Reduce
Allocation drift beyond policy bands
-38
-55
-71
2
false
Within IPS guidelines
P0322
Cautious
IRA
USD
2025-10-09
597,538
64,348
533,190
1
39.2
33
11
16.8
AMZN:33.9%;BRK.B:32.2%;TLT:33.9%
US:67.8;EU:17.0;APAC:7.4;EM:4.5;Other:3.2
Value:-0.2;Growth:+0.3;Quality:+0.5;Size:-0.8;Momentum:-0.1;LowVol:-0.7
ESGOnly;NoMargin
8
25
5.4
trailing 8%
167
16.3
Bear
32.7
3.13
1
170
-67
5
65
false
Rebalance
Shift +1% to bonds from equity
-11
-34
BrokerC
MKT
86
null
null
Normal monitoring
-2
-31
107
3
false
Tax-aware sells next window
P0323
Opportunistic
IRA
USD
2025-02-06
1,163,168
49,012
1,114,156
1
73.9
13.9
8
4.2
BND:10.4%;VNQ:15.6%;AAPL:11.0%;VTI:22.2%;VOO:18.6%;QQQ:22.3%
US:66.4;EU:7.7;APAC:13.2;EM:10.4;Other:2.2
Value:-0.0;Growth:+0.1;Quality:+0.9;Size:+0.4;Momentum:-0.2;LowVol:+0.3
null
8
35
6
hard 12%
194
31.7
Sideways
15.7
4.74
2.4
112
42
85
60
false
NoAction
Within bands; monitor
6
-17
BrokerB
LMT
100
null
null
Normal monitoring
-37
18
44
4
false
Monitor dispersion and breadth
P0324
Cautious
Trust
USD
2024-10-20
491,743
48,451
443,292
1
40.6
40.6
7.9
11
BRK.B:28.4%;MSFT:28.4%;TSLA:16.7%;BND:26.5%
US:75.8;EU:6.0;APAC:10.2;EM:5.5;Other:2.4
Value:-0.0;Growth:+0.8;Quality:-0.1;Size:-0.4;Momentum:0.0;LowVol:+0.4
ESGOnly;MaxPos8%;NoMargin
5
25
3.9
trailing 8%
164
18.8
Volatile
32
5.03
3.6
149
69
99
62
false
NoAction
Within bands; monitor
-3
-28
BrokerA
MKT
0
null
null
Normal monitoring
39
6
107
5
false
Monitor dispersion and breadth
P0325
Active
Roth
USD
2025-02-12
1,140,442
117,080
1,023,362
1.06
69.7
24.6
0
5.7
BND:33.3%;VTI:33.3%;BRK.B:33.3%
US:62.2;EU:14.9;APAC:10.9;EM:7.9;Other:4.0
Value:+0.3;Growth:+0.2;Quality:+0.7;Size:-0.4;Momentum:-0.2;LowVol:+0.6
NoDerivatives
8
25
4.6
trailing 9%
205
17.3
Volatile
29.8
3.88
4.1
122
44
70
84
true
Reduce
Cut high-beta by 2-3%, add cash
-15
-5
BrokerD
MKT
95
VAR>budget
Hedge
Risk above budget threshold
57
-3
160
3
false
Within IPS guidelines
P0326
Systematic
Taxable
USD
2024-09-09
1,189,218
115,860
1,073,358
1
56
22.9
12.6
8.6
IEF:13.7%;MSFT:18.9%;GLD:19.2%;VTI:19.9%;TSLA:14.6%;VOO:13.8%
US:59.0;EU:17.4;APAC:12.0;EM:9.9;Other:1.7
Value:+0.6;Growth:+0.9;Quality:-1.0;Size:-0.5;Momentum:-0.4;LowVol:-0.8
NoDerivatives
8
25
4.4
hard 12%
190
16.1
Bull
16.8
3.72
2
93
50
90
55
false
Sell
Trim extended winner -1%
2
-34
BrokerB
MKT
91
null
null
Normal monitoring
99
-17
82
3
false
Tax-aware sells next window
P0327
Active
Roth
USD
2025-08-02
1,572,397
161,460
1,410,937
1
58.8
22.4
8.8
10
TSLA:33.3%;GLD:33.3%;HYG:33.3%
US:65.3;EU:7.8;APAC:12.1;EM:10.3;Other:4.5
Value:-0.1;Growth:-0.2;Quality:+0.9;Size:-0.2;Momentum:-0.1;LowVol:0.0
NoDerivatives
5
30
4
trailing 9%
223
26.9
Sideways
18
4.23
2.3
124
-4
55
44
false
Buy
Add to core equity +1%
28
-11
BrokerC
MKT
87
null
null
Normal monitoring
12
-11
26
3
false
Within IPS guidelines
P0328
Active
Taxable
USD
2024-11-13
905,517
69,628
835,889
1
50.6
20.6
20.5
8.2
IEF:8.3%;QQQ:8.9%;VNQ:22.6%;XLF:22.6%;AAPL:15.2%;TSLA:22.6%
US:74.0;EU:5.7;APAC:15.0;EM:3.1;Other:2.3
Value:-0.6;Growth:+0.5;Quality:-0.6;Size:+0.5;Momentum:-0.1;LowVol:+0.1
MaxPos8%
8
30
5.7
trailing 8%
183
16.4
Volatile
30.8
4.08
4
159
14
55
64
false
Rebalance
Shift +1% to bonds from equity
-7
-28
BrokerD
MKT
97
null
null
Normal monitoring
96
-45
181
4
false
Increase defensive factor exposure
P0329
Cautious
Roth
USD
2025-02-28
693,954
67,746
626,208
1
47.9
36.3
0
15.8
IEF:24.4%;GLD:14.0%;HYG:12.7%;XLF:24.4%;VTI:24.4%
US:67.6;EU:10.2;APAC:13.2;EM:5.3;Other:3.7
Value:-0.1;Growth:-0.8;Quality:-0.9;Size:-0.0;Momentum:-0.8;LowVol:-0.9
NoDerivatives;NoMargin
7
35
5.3
trailing 8%
106
13.5
Volatile
20.1
4.61
4.2
142
-20
53
58
false
Rebalance
Shift +1% to bonds from equity
-5
-5
BrokerC
MKT
86
null
null
Normal monitoring
69
2
98
5
false
Within IPS guidelines
P0330
Active
Trust
USD
2024-10-05
643,914
47,424
596,490
1.1
54.7
24
13.4
7.9
GLD:21.4%;TSLA:26.2%;VOO:26.2%;MSFT:26.2%
US:67.4;EU:8.4;APAC:14.0;EM:8.5;Other:1.7
Value:+0.2;Growth:+0.1;Quality:+0.7;Size:+0.2;Momentum:-0.2;LowVol:-0.8
MaxPos6%;NoDerivatives
8
30
5.3
hard 12%
147
16.3
Volatile
21.2
4.33
3.7
155
-49
20
52
false
Rebalance
Shift +1% to bonds from equity
-13
-4
BrokerD
LMT
93
null
null
Normal monitoring
78
3
156
3
false
Tighten stops on momentum names
P0331
Systematic
Taxable
USD
2024-08-05
850,515
69,913
780,602
1
59.2
21.4
9.8
9.6
BND:22.1%;VOO:12.2%;XLF:14.1%;TSLA:22.1%;IEF:22.1%;MSFT:7.6%
US:73.4;EU:11.1;APAC:9.8;EM:4.2;Other:1.6
Value:+1.0;Growth:+0.8;Quality:-0.6;Size:-0.5;Momentum:-0.0;LowVol:+0.6
NoDerivatives
7
35
4.4
hard 12%
230
20.7
Volatile
21.8
4.12
3.2
123
35
74
61
false
Rebalance
Shift +1% to bonds from equity
18
-4
BrokerD
VWAP
100
null
null
Normal monitoring
97
-21
169
4
false
Tax-aware sells next window
P0332
Hands-off
Roth
USD
2024-09-05
258,054
14,109
243,945
1
66.4
27.8
0
5.8
QQQ:34.7%;AAPL:34.7%;VTI:30.7%
US:63.8;EU:16.6;APAC:9.3;EM:5.1;Other:5.3
Value:-0.7;Growth:-0.5;Quality:+0.3;Size:+0.6;Momentum:-0.4;LowVol:+0.4
ESGOnly
6
25
5.1
hard 10%
91
16.4
Bull
11.2
4.26
2.8
117
10
50
40
false
Rebalance
Shift +1% to bonds from equity
-1
14
BrokerD
LMT
93
null
null
Normal monitoring
-4
-49
95
5
false
Monitor dispersion and breadth
P0333
Systematic
Roth
USD
2025-05-28
547,396
40,121
507,275
1
63.3
27.7
0
9
VNQ:22.2%;VTI:7.4%;BRK.B:11.9%;IEF:22.2%;MSFT:14.2%;AAPL:22.2%
US:64.0;EU:15.5;APAC:12.6;EM:5.0;Other:3.0
Value:+1.0;Growth:+0.2;Quality:-1.0;Size:+0.5;Momentum:+0.4;LowVol:-0.4
NoDerivatives
6
30
5.9
trailing 9%
230
16.8
Bull
11.2
4.46
2.1
95
91
80
40
false
Rebalance
Shift +1% to bonds from equity
24
-4
BrokerA
MKT
87
null
null
Normal monitoring
106
-9
123
5
false
Tighten stops on momentum names
P0334
Systematic
Roth
USD
2025-11-11
1,322,697
121,028
1,201,669
1
64
26.8
0
9.2
HYG:33.3%;AMZN:33.3%;VNQ:33.3%
US:61.6;EU:20.4;APAC:7.3;EM:5.0;Other:5.7
Value:-0.5;Growth:-0.8;Quality:-0.8;Size:+0.8;Momentum:+0.7;LowVol:-0.9
NoDerivatives
6
30
5.2
hard 12%
178
24.9
Volatile
30.7
3.63
2.6
138
20
61
84
true
Hedge
Buy index puts 1% notional
26
-38
BrokerD
MKT
89
VAR>budget
Reduce
Risk above budget threshold
30
-25
93
3
true
Tighten stops on momentum names
P0335
Cautious
Roth
USD
2024-10-21
277,992
24,016
253,976
1
50.3
39.4
0
10.4
AMZN:20.5%;VOO:20.0%;BRK.B:20.5%;AAPL:9.4%;QQQ:18.7%;VTI:10.9%
US:61.0;EU:12.7;APAC:13.0;EM:10.0;Other:3.3
Value:+1.0;Growth:+0.3;Quality:-0.7;Size:-0.6;Momentum:-0.4;LowVol:+0.6
MaxPos6%;NoMargin
10
25
5
trailing 8%
124
18
Volatile
21.5
4.39
3.2
171
49
63
58
false
Hedge
Add TLT +1% as duration hedge
-6
7
BrokerA
MKT
96
null
null
Normal monitoring
28
-8
96
3
false
Increase defensive factor exposure
P0336
Hands-off
401k
USD
2024-10-23
529,943
24,001
505,942
1
59.3
22.8
8.2
9.6
AAPL:25.8%;VTI:25.8%;MSFT:25.8%;QQQ:22.5%
US:61.1;EU:9.0;APAC:14.9;EM:11.9;Other:3.1
Value:-1.0;Growth:-0.4;Quality:-1.0;Size:-0.6;Momentum:+1.0;LowVol:-0.8
MaxPos8%
10
35
4.4
trailing 8%
101
13.3
Volatile
24.1
3.9
2.1
140
46
69
67
false
Sell
Trim extended winner -1%
26
-25
BrokerC
LMT
89
null
null
Normal monitoring
74
2
115
3
false
Tax-aware sells next window
P0337
Opportunistic
Taxable
USD
2024-09-02
676,628
60,860
615,768
1
68.6
20.6
4.4
6.5
QQQ:16.8%;GLD:26.8%;VOO:28.2%;IEF:28.2%
US:74.3;EU:6.2;APAC:8.8;EM:10.0;Other:0.8
Value:-0.4;Growth:+1.0;Quality:-0.2;Size:+0.9;Momentum:-0.7;LowVol:-0.5
null
7
35
4.6
trailing 9%
225
30
Bull
12.2
4.81
3.1
79
86
88
42
false
Rebalance
Shift +1% to bonds from equity
21
-27
BrokerC
VWAP
91
null
null
Normal monitoring
-38
17
64
4
false
Within IPS guidelines
P0338
Active
Trust
USD
2024-07-21
1,771,892
175,729
1,596,163
1
63.2
24.7
5.7
6.5
VTI:21.5%;VNQ:11.1%;TSLA:16.3%;VOO:14.8%;XLF:14.8%;QQQ:21.5%
US:64.3;EU:15.0;APAC:10.7;EM:8.3;Other:1.6
Value:+0.4;Growth:+0.3;Quality:-0.2;Size:-0.8;Momentum:-0.3;LowVol:-0.8
MaxPos6%
7
25
4.3
trailing 9%
168
23.1
Bull
11.7
4.18
2
76
99
95
43
false
Rebalance
Shift +1% to bonds from equity
3
-32
BrokerD
LMT
91
null
null
Normal monitoring
30
-6
145
3
false
Within IPS guidelines
P0339
Active
Trust
USD
2025-09-30
1,596,551
131,025
1,465,526
1
55.4
23.4
11.7
9.6
VNQ:36.4%;AAPL:27.1%;MSFT:36.4%
US:60.1;EU:15.3;APAC:10.9;EM:11.3;Other:2.4
Value:+1.0;Growth:-0.3;Quality:-0.7;Size:+0.8;Momentum:+0.5;LowVol:+0.7
null
10
25
4.7
hard 12%
175
20.9
Bull
16.2
3.97
3.3
117
38
54
36
false
Rebalance
Shift +1% to bonds from equity
16
-31
BrokerB
LMT
88
null
null
Normal monitoring
54
-32
15
3
false
Monitor dispersion and breadth
P0340
Opportunistic
401k
USD
2025-06-18
529,079
35,810
493,269
1
65.3
15.6
10.4
8.6
MSFT:33.3%;VNQ:33.3%;BND:33.3%
US:65.5;EU:14.0;APAC:13.4;EM:3.1;Other:4.0
Value:-0.5;Growth:-0.3;Quality:+0.9;Size:-1.0;Momentum:0.0;LowVol:0.0
MaxPos7%
7
30
4.8
trailing 9%
218
34.2
Bull
15.8
4.83
2.8
70
49
78
43
false
Sell
Trim extended winner -1%
24
-40
BrokerA
LMT
92
null
null
Normal monitoring
28
-28
131
4
false
Tighten stops on momentum names
P0341
Hands-off
401k
USD
2024-08-15
541,949
50,514
491,435
1
66.6
20.6
6.7
6.1
VOO:10.3%;MUB:7.4%;BRK.B:20.6%;AAPL:20.5%;TSLA:20.6%;IEF:20.6%
US:56.8;EU:18.1;APAC:14.7;EM:6.8;Other:3.6
Value:+0.7;Growth:+0.2;Quality:+0.6;Size:-0.4;Momentum:0.0;LowVol:-0.5
ESGOnly;MaxPos8%
6
35
6
trailing 10%
149
15.1
Sideways
19.3
3.79
2.2
133
40
84
65
false
Sell
Trim extended winner -1%
-6
2
BrokerA
VWAP
88
null
null
Normal monitoring
31
-58
37
4
false
Within IPS guidelines
P0342
Opportunistic
401k
USD
2025-06-02
542,670
36,691
505,979
1
65.2
16.9
11.4
6.5
TLT:33.3%;GLD:33.3%;IEF:33.3%
US:65.6;EU:16.6;APAC:8.6;EM:7.7;Other:1.3
Value:+1.0;Growth:+0.3;Quality:+0.4;Size:+0.1;Momentum:+0.3;LowVol:+0.5
NoDerivatives
10
25
4.4
trailing 9%
276
33.3
Volatile
21.7
4.33
3.8
147
58
80
52
false
Sell
Trim extended winner -1%
12
-31
BrokerA
VWAP
89
null
null
Normal monitoring
-21
-44
68
4
false
Tighten stops on momentum names
P0343
Opportunistic
Roth
USD
2025-04-25
1,267,626
52,636
1,214,990
1
72.4
19.6
0
8.1
VNQ:23.4%;IEF:13.2%;TLT:18.2%;HYG:23.4%;AMZN:21.8%
US:67.8;EU:16.8;APAC:5.7;EM:9.3;Other:0.5
Value:-0.0;Growth:-0.3;Quality:-0.1;Size:+0.5;Momentum:-0.2;LowVol:-0.8
null
5
35
5.5
trailing 7%
165
32.2
Bear
30.2
4.39
1.2
196
3
37
88
true
Reduce
Cut high-beta by 2-3%, add cash
6
-33
BrokerC
MKT
89
Drift>tolerance
Hedge
Allocation drift beyond policy bands
-5
-1
-11
4
false
Increase defensive factor exposure
P0344
Systematic
Trust
USD
2025-10-11
831,371
79,884
751,487
1
65.2
27.1
2.7
5.1
MSFT:12.9%;TLT:15.5%;HYG:21.0%;VNQ:18.9%;AMZN:11.1%;VTI:20.6%
US:68.7;EU:16.3;APAC:8.9;EM:5.0;Other:1.1
Value:-0.8;Growth:+0.8;Quality:+0.2;Size:-0.5;Momentum:-0.4;LowVol:-0.1
null
10
35
5
hard 12%
217
27.3
Volatile
24.9
4.29
2.8
149
19
63
76
true
Reduce
Cut high-beta by 2-3%, add cash
-11
-31
BrokerA
LMT
88
VAR>budget
Pause
Risk above budget threshold
-53
9
-85
3
false
Monitor dispersion and breadth
P0345
Active
IRA
USD
2024-10-29
539,047
53,563
485,484
1
50
20
20.2
9.8
XLF:7.3%;QQQ:16.8%;VOO:21.7%;TLT:21.7%;VTI:21.7%;VNQ:10.9%
US:69.3;EU:9.8;APAC:13.7;EM:3.5;Other:3.8
Value:+0.3;Growth:+0.5;Quality:-0.2;Size:-0.3;Momentum:-0.4;LowVol:+0.9
MaxPos5%
7
35
5.3
hard 12%
228
18.5
Bear
26.8
3.78
2.5
208
-33
30
69
false
Sell
Trim extended winner -1%
-6
-29
BrokerB
MKT
99
null
null
Normal monitoring
96
-38
118
4
false
Tax-aware sells next window
P0346
Cautious
401k
USD
2025-08-24
883,634
131,444
752,190
1
49.6
33.7
0
16.8
XLF:31.3%;AAPL:20.3%;TSLA:17.1%;VOO:31.3%
US:68.9;EU:13.5;APAC:6.5;EM:10.4;Other:0.8
Value:+0.1;Growth:-0.7;Quality:+0.5;Size:-0.3;Momentum:-0.7;LowVol:-0.2
ESGOnly;MaxPos8%;NoMargin
8
25
3.5
trailing 8%
142
12.3
Bull
15.3
3.81
2
109
83
80
31
false
Rebalance
Shift +1% to bonds from equity
31
3
BrokerD
MKT
90
null
null
Normal monitoring
-22
8
15
5
false
Within IPS guidelines
P0347
Cautious
IRA
USD
2025-02-09
855,488
113,822
741,666
1
46.6
30.1
12.8
10.6
TSLA:33.3%;TLT:33.3%;AAPL:33.3%
US:65.3;EU:11.9;APAC:10.7;EM:8.1;Other:4.1
Value:+0.6;Growth:-0.1;Quality:0.0;Size:-0.8;Momentum:-0.4;LowVol:+0.3
NoMargin
6
35
6
hard 10%
97
18
Bear
31
3.14
2.2
180
-110
5
62
false
NoAction
Within bands; monitor
35
3
BrokerC
MKT
0
null
null
Normal monitoring
112
-38
211
3
false
Monitor dispersion and breadth
P0348
Active
401k
USD
2024-09-03
903,525
81,739
821,786
1.09
54.9
30.9
8.6
5.7
IEF:11.0%;MSFT:22.3%;AMZN:23.6%;VOO:19.5%;TLT:23.6%
US:55.3;EU:15.9;APAC:14.0;EM:10.5;Other:4.3
Value:-0.2;Growth:+0.9;Quality:+0.6;Size:+0.1;Momentum:+0.2;LowVol:+0.2
null
8
30
5.2
trailing 8%
131
18.5
Volatile
23.4
4.43
3.8
125
20
57
63
false
Buy
Add to core equity +1%
6
-34
BrokerD
MKT
94
null
null
Normal monitoring
-53
-5
-31
5
false
Increase defensive factor exposure
P0349
Cautious
IRA
USD
2024-12-29
742,228
96,794
645,434
1
38.8
39.3
5.5
16.4
TLT:27.0%;GLD:19.1%;MSFT:27.0%;VNQ:27.0%
US:69.3;EU:5.7;APAC:11.2;EM:10.1;Other:3.6
Value:0.0;Growth:+0.3;Quality:+0.9;Size:+0.6;Momentum:-0.1;LowVol:-0.9
NoMargin
5
35
3.9
trailing 8%
109
13.6
Sideways
20.9
4.62
2.5
135
9
53
36
false
Buy
Add to core equity +1%
30
5
BrokerC
VWAP
94
null
null
Normal monitoring
45
-12
81
3
false
Tighten stops on momentum names
P0350
Systematic
Trust
USD
2024-10-11
1,917,397
141,934
1,775,463
1
67.7
21.9
3.8
6.6
VOO:8.1%;VNQ:10.7%;TSLA:20.8%;IEF:20.8%;XLF:20.8%;TLT:18.7%
US:70.6;EU:13.2;APAC:9.2;EM:3.3;Other:3.7
Value:+0.3;Growth:+0.7;Quality:-0.4;Size:-0.7;Momentum:-0.0;LowVol:+0.3
NoDerivatives
5
30
5.3
trailing 8%
139
17.3
Bear
30.7
3.62
1.9
182
-105
5
74
true
Rebalance
Rebalance back to target bands
29
-10
BrokerC
MKT
89
Drift>tolerance
Reduce
Allocation drift beyond policy bands
66
-32
58
3
false
Monitor dispersion and breadth
P0351
Cautious
IRA
USD
2025-05-05
682,835
104,666
578,169
1
42.9
42.3
0.5
14.3
TLT:19.7%;VOO:21.0%;HYG:11.7%;AAPL:23.8%;IEF:23.8%
US:54.8;EU:18.2;APAC:13.9;EM:10.2;Other:2.9
Value:-0.9;Growth:-0.6;Quality:+0.8;Size:-0.3;Momentum:-0.9;LowVol:-0.9
ESGOnly;NoMargin
5
35
6
trailing 10%
154
13.7
Bull
17
4.22
2.3
103
47
61
48
false
Sell
Trim extended winner -1%
7
6
BrokerC
MKT
89
null
null
Normal monitoring
-60
-38
27
4
false
Tax-aware sells next window
P0352
Cautious
Trust
USD
2025-09-28
289,979
41,870
248,109
1
48.2
39.5
0.1
12.1
BRK.B:26.2%;VNQ:21.3%;TSLA:26.2%;HYG:26.2%
US:65.8;EU:16.8;APAC:6.4;EM:9.9;Other:1.1
Value:+0.7;Growth:-0.7;Quality:+0.8;Size:-0.3;Momentum:-0.1;LowVol:+0.7
ESGOnly;NoMargin
7
25
5.7
trailing 8%
133
15.9
Volatile
22.5
4.07
2.6
160
-46
26
57
true
Reduce
Cut high-beta by 2-3%, add cash
19
-26
BrokerC
MKT
98
Drift>tolerance
Reduce
Allocation drift beyond policy bands
-43
16
51
5
false
Tax-aware sells next window
P0353
Hands-off
Trust
USD
2024-09-22
794,822
70,162
724,660
1
66.1
24.5
0
9.4
BRK.B:33.3%;VNQ:33.3%;BND:33.3%
US:58.8;EU:19.1;APAC:9.6;EM:10.2;Other:2.3
Value:+0.1;Growth:-0.6;Quality:+1.0;Size:-0.2;Momentum:+0.1;LowVol:+0.3
MaxPos6%
5
35
4.6
trailing 8%
113
19.2
Bull
16.1
3.73
3
86
21
56
41
false
Hedge
Add TLT +1% as duration hedge
27
2
BrokerA
MKT
92
null
null
Normal monitoring
-19
16
117
5
false
Tighten stops on momentum names
P0354
Active
Roth
USD
2024-10-15
1,534,291
119,063
1,415,228
1
67.4
20.7
4.9
7.1
VTI:33.3%;HYG:33.3%;XLF:33.3%
US:60.4;EU:16.2;APAC:9.4;EM:11.3;Other:2.6
Value:+0.2;Growth:+0.8;Quality:-0.5;Size:+0.7;Momentum:-0.0;LowVol:-0.2
NoDerivatives
10
30
4.2
trailing 8%
165
22.5
Bull
11.5
3.57
3.1
97
37
60
39
false
Buy
Add to core equity +1%
24
-15
BrokerB
MKT
88
null
null
Normal monitoring
35
16
114
4
false
Monitor dispersion and breadth
P0355
Cautious
Roth
USD
2024-10-21
738,195
106,510
631,685
1
36.7
41.1
8.6
13.5
HYG:33.3%;VNQ:33.3%;IEF:33.3%
US:63.4;EU:18.0;APAC:5.8;EM:8.0;Other:4.7
Value:+0.1;Growth:+0.8;Quality:-0.2;Size:+0.7;Momentum:-0.8;LowVol:+0.5
NoMargin
8
30
4.2
hard 10%
144
14.6
Volatile
24.7
4.97
4.4
157
52
65
51
false
Sell
Trim extended winner -1%
32
1
BrokerB
MKT
99
null
null
Normal monitoring
-41
-1
39
3
false
Tighten stops on momentum names
P0356
Cautious
Taxable
USD
2025-09-09
731,231
107,040
624,191
1
41.4
42.2
5.6
10.8
TSLA:33.3%;BRK.B:33.3%;AMZN:33.3%
US:68.0;EU:17.5;APAC:6.0;EM:3.5;Other:5.0
Value:-0.4;Growth:+0.4;Quality:+0.4;Size:-0.8;Momentum:-0.2;LowVol:-0.6
ESGOnly;NoMargin
5
30
4.2
hard 10%
142
15.7
Bear
31.7
4.06
1.5
158
-31
49
78
true
Reduce
Cut high-beta by 2-3%, add cash
1
-17
BrokerC
LMT
91
Drift>tolerance
Reduce
Allocation drift beyond policy bands
-36
6
-70
2
false
Increase defensive factor exposure
P0357
Cautious
Taxable
USD
2024-08-22
462,400
69,684
392,716
1
38
32
18.1
11.9
BRK.B:27.9%;TSLA:36.1%;MUB:36.1%
US:61.3;EU:17.6;APAC:10.3;EM:10.1;Other:0.7
Value:-0.0;Growth:-0.5;Quality:0.0;Size:+0.9;Momentum:-0.2;LowVol:+0.1
NoDerivatives;NoMargin
6
25
5.1
trailing 8%
124
12.9
Bull
17.2
4.48
2.2
94
40
70
45
false
Rebalance
Shift +1% to bonds from equity
17
5
BrokerB
LMT
91
null
null
Normal monitoring
-27
14
-14
4
false
Monitor dispersion and breadth
P0358
Cautious
401k
USD
2025-09-25
863,247
110,183
753,064
1
46.8
37.5
4.3
11.4
TLT:33.3%;BND:33.3%;IEF:33.3%
US:61.1;EU:17.1;APAC:12.2;EM:9.5;Other:0.1
Value:+0.9;Growth:-0.1;Quality:-1.0;Size:-0.8;Momentum:-0.6;LowVol:+0.4
ESGOnly;MaxPos6%;NoDerivatives;NoMargin
5
35
5.6
trailing 8%
94
13.6
Bull
15.7
4.73
3
118
53
69
48
false
Rebalance
Shift +1% to bonds from equity
-15
-26
BrokerD
MKT
99
null
null
Normal monitoring
80
-57
212
5
false
Tighten stops on momentum names
P0359
Systematic
IRA
USD
2025-12-26
1,988,826
188,720
1,800,106
1
67.9
25.7
0
6.4
GLD:33.3%;BND:33.3%;TSLA:33.3%
US:63.5;EU:13.9;APAC:14.4;EM:5.9;Other:2.2
Value:+0.4;Growth:+0.8;Quality:-0.2;Size:+0.9;Momentum:-0.1;LowVol:-0.5
null
5
35
4.7
trailing 8%
150
24.5
Bull
15.5
3.71
2.6
87
119
100
41
false
Buy
Add to core equity +1%
-2
14
BrokerC
MKT
92
null
null
Normal monitoring
-48
-55
-61
4
false
Tighten stops on momentum names
P0360
Hands-off
Trust
USD
2025-06-28
219,431
13,957
205,474
1
60.5
24.6
7.9
7
BND:15.5%;HYG:21.5%;AMZN:23.1%;VNQ:16.8%;TSLA:23.1%
US:66.4;EU:17.5;APAC:11.7;EM:3.2;Other:1.2
Value:+0.7;Growth:-0.8;Quality:+0.1;Size:-0.0;Momentum:-0.8;LowVol:-0.1
ESGOnly;MaxPos6%
10
35
4.3
trailing 10%
145
14
Bear
28.6
4
3
171
-88
5
74
true
Reduce
Cut high-beta by 2-3%, add cash
10
6
BrokerD
MKT
97
Drift>tolerance
Hedge
Allocation drift beyond policy bands
69
5
80
5
false
Monitor dispersion and breadth
P0361
Cautious
IRA
USD
2024-10-06
661,516
65,974
595,542
1
35.4
38.3
12.1
14.2
VOO:14.7%;AAPL:25.2%;MSFT:12.1%;QQQ:22.7%;BND:25.2%
US:68.7;EU:10.1;APAC:9.2;EM:7.6;Other:4.4
Value:+0.2;Growth:+0.8;Quality:-0.0;Size:+0.2;Momentum:-0.5;LowVol:+0.5
NoDerivatives;NoMargin
6
25
5.3
trailing 8%
139
18.3
Volatile
26.1
4.71
4.4
115
13
57
57
false
Sell
Trim extended winner -1%
24
-3
BrokerD
VWAP
87
null
null
Normal monitoring
-54
18
-47
5
false
Increase defensive factor exposure
P0362
Opportunistic
401k
USD
2025-03-05
1,194,719
69,578
1,125,141
1.21
71.4
19.1
0.8
8.7
AAPL:21.4%;VOO:23.4%;BRK.B:16.6%;GLD:23.4%;AMZN:15.3%
US:55.0;EU:19.9;APAC:11.2;EM:11.2;Other:2.7
Value:-0.3;Growth:-1.0;Quality:+0.2;Size:+0.8;Momentum:-0.4;LowVol:-0.6
NoDerivatives
7
25
5
hard 12%
197
28.1
Sideways
18.2
3.7
2.7
123
-13
36
58
false
Buy
Add to core equity +1%
11
0
BrokerB
LMT
86
null
null
Normal monitoring
118
-11
219
4
false
Monitor dispersion and breadth
P0363
Opportunistic
401k
USD
2024-08-31
1,162,618
80,808
1,081,810
1
67.7
11
15.4
5.9
BND:22.5%;MUB:18.0%;AMZN:20.0%;GLD:22.5%;HYG:16.9%
US:71.0;EU:18.4;APAC:5.3;EM:4.2;Other:1.1
Value:-0.5;Growth:-0.8;Quality:-0.1;Size:+0.3;Momentum:+0.4;LowVol:-1.0
null
8
30
4.7
trailing 7%
266
29
Bear
29.2
3.75
1.1
156
-91
5
71
true
Rebalance
Rebalance back to target bands
17
4
BrokerD
MKT
95
Drift>tolerance
Pause
Allocation drift beyond policy bands
96
-3
77
5
false
Monitor dispersion and breadth
P0364
Active
Roth
USD
2025-02-11
2,101,881
208,351
1,893,530
1
63.3
28
0
8.7
TLT:33.3%;TSLA:33.3%;IEF:33.3%
US:65.4;EU:22.9;APAC:6.6;EM:4.8;Other:0.3
Value:-0.1;Growth:+0.2;Quality:+0.9;Size:-0.3;Momentum:+0.5;LowVol:+0.5
MaxPos5%
7
25
4.3
trailing 9%
135
25
Bull
14.1
4.52
2.7
93
43
83
47
false
Buy
Add to core equity +1%
-1
-16
BrokerD
MKT
87
null
null
Normal monitoring
23
-31
17
3
false
Monitor dispersion and breadth
P0365
Systematic
401k
USD
2025-09-17
1,901,848
189,126
1,712,722
1
61.7
30.9
0
7.5
BND:33.3%;XLF:33.3%;TSLA:33.3%
US:59.2;EU:15.0;APAC:12.1;EM:9.4;Other:4.2
Value:-0.2;Growth:-0.8;Quality:+0.2;Size:-0.4;Momentum:+0.6;LowVol:-0.2
NoDerivatives
7
35
4.1
trailing 8%
182
26.5
Bull
15.9
4.89
3.4
90
96
100
50
false
Sell
Trim extended winner -1%
13
4
BrokerD
MKT
92
null
null
Normal monitoring
-43
-58
31
5
false
Within IPS guidelines
P0366
Opportunistic
Trust
USD
2025-01-03
1,267,621
101,413
1,166,208
1.07
67.3
12.9
11.9
7.9
BRK.B:28.9%;GLD:28.9%;HYG:28.9%;IEF:13.3%
US:74.7;EU:7.2;APAC:10.3;EM:6.9;Other:1.0
Value:+0.7;Growth:+0.2;Quality:-0.4;Size:+0.7;Momentum:+0.2;LowVol:-0.5
null
7
30
5.4
trailing 9%
229
32.8
Sideways
15.2
4.47
3.3
105
-18
26
49
false
Rebalance
Shift +1% to bonds from equity
2
3
BrokerA
VWAP
94
null
null
Normal monitoring
-24
-19
-31
3
false
Monitor dispersion and breadth
P0367
Active
Roth
USD
2024-08-11
1,240,156
74,889
1,165,267
1.23
66.9
25.3
0.1
7.6
VOO:23.4%;MSFT:29.0%;MUB:29.0%;XLF:18.5%
US:68.0;EU:7.1;APAC:18.7;EM:5.9;Other:0.2
Value:-0.4;Growth:-0.9;Quality:-0.3;Size:-1.0;Momentum:+0.6;LowVol:+0.6
null
7
35
4.2
trailing 9%
228
17.6
Bull
14.5
4.12
2.1
114
47
72
47
false
Rebalance
Shift +1% to bonds from equity
8
-40
BrokerC
MKT
85
null
null
Normal monitoring
80
-32
55
4
false
Increase defensive factor exposure
P0368
Active
Trust
USD
2025-05-26
874,240
83,865
790,375
1.11
58.5
28.9
7
5.5
AMZN:25.3%;BRK.B:9.3%;TLT:25.3%;GLD:25.3%;VNQ:14.8%
US:69.2;EU:6.3;APAC:12.9;EM:10.2;Other:1.3
Value:-0.1;Growth:-0.3;Quality:-0.9;Size:-1.0;Momentum:+0.4;LowVol:+0.4
MaxPos6%
7
25
4.1
hard 12%
217
27.8
Sideways
14.5
4.99
2.5
122
18
72
46
false
Rebalance
Shift +1% to bonds from equity
11
-31
BrokerA
LMT
88
null
null
Normal monitoring
44
4
170
3
false
Within IPS guidelines
P0369
Systematic
Trust
USD
2024-07-15
1,958,665
140,941
1,817,724
1
61.1
25.5
5.3
8.1
BRK.B:12.7%;VTI:24.1%;GLD:20.1%;AMZN:19.0%;MSFT:24.1%
US:64.7;EU:18.6;APAC:7.8;EM:4.4;Other:4.4
Value:+0.7;Growth:+0.6;Quality:+0.7;Size:+0.3;Momentum:+0.4;LowVol:-0.5
null
10
35
5.4
trailing 8%
150
17
Bull
17.4
4.51
2.9
88
51
81
60
false
Buy
Add to core equity +1%
-14
-3
BrokerB
LMT
89
null
null
Normal monitoring
78
-14
166
4
false
Tighten stops on momentum names
P0370
Opportunistic
Taxable
USD
2025-06-12
1,047,074
36,939
1,010,135
1
65.6
17.5
10.3
6.7
HYG:33.3%;QQQ:33.3%;MUB:33.3%
US:70.6;EU:10.3;APAC:11.1;EM:7.9;Other:0.1
Value:-1.0;Growth:0.0;Quality:+0.6;Size:-0.5;Momentum:-0.0;LowVol:-0.2
MaxPos6%
7
30
6.5
trailing 7%
194
22.1
Bull
17.6
4.38
3.2
75
44
60
46
false
Buy
Add to core equity +1%
5
-25
BrokerD
LMT
85
null
null
Normal monitoring
-18
13
17
4
false
Monitor dispersion and breadth
P0371
Systematic
Taxable
USD
2024-07-15
908,437
42,248
866,189
1
62.4
29.2
1.3
7
VTI:22.0%;MSFT:22.0%;AMZN:21.4%;TLT:19.8%;MUB:14.9%
US:73.2;EU:5.4;APAC:13.7;EM:5.2;Other:2.5
Value:+0.8;Growth:-0.1;Quality:-0.7;Size:+0.6;Momentum:+0.8;LowVol:+1.0
null
8
35
4.4
trailing 8%
215
17.8
Volatile
21.7
5
3.3
149
33
78
57
false
Hedge
Add TLT +1% as duration hedge
-8
-17
BrokerC
LMT
89
null
null
Normal monitoring
68
9
182
4
false
Monitor dispersion and breadth
P0372
Active
Trust
USD
2024-09-19
1,140,830
96,553
1,044,277
1.18
66.3
25.2
0
8.5
VNQ:25.0%;QQQ:25.0%;AMZN:25.0%;MUB:25.0%
US:74.8;EU:7.7;APAC:6.3;EM:7.3;Other:3.9
Value:+0.9;Growth:-0.8;Quality:-0.4;Size:+0.4;Momentum:-0.2;LowVol:-0.5
null
6
35
4.9
trailing 9%
141
25
Volatile
26.9
4
3.2
132
19
58
65
false
Rebalance
Shift +1% to bonds from equity
14
-15
BrokerB
MKT
86
null
null
Normal monitoring
7
-43
-15
4
false
Increase defensive factor exposure
P0373
Opportunistic
Taxable
USD
2024-10-20
1,375,873
120,931
1,254,942
1.1
73.3
17.8
0
8.9
BND:13.3%;TSLA:21.8%;TLT:21.8%;VOO:21.8%;QQQ:21.4%
US:66.0;EU:15.9;APAC:6.7;EM:9.2;Other:2.1
Value:-0.3;Growth:-0.1;Quality:-0.4;Size:+0.7;Momentum:-1.0;LowVol:-0.4
MaxPos6%;NoDerivatives
7
30
4.8
trailing 9%
269
31.3
Bull
11.4
3.65
2.5
87
81
81
40
false
Hedge
Add TLT +1% as duration hedge
20
-6
BrokerB
LMT
100
null
null
Normal monitoring
35
-15
113
3
false
Tighten stops on momentum names
P0374
Cautious
Taxable
USD
2024-09-08
669,354
54,240
615,114
1
38.9
37.9
7.8
15.5
AAPL:18.1%;IEF:21.1%;TLT:15.1%;VNQ:21.5%;VTI:17.2%;HYG:7.0%
US:65.9;EU:18.2;APAC:6.3;EM:5.8;Other:3.9
Value:-0.5;Growth:+0.2;Quality:+0.5;Size:+0.6;Momentum:+0.8;LowVol:+0.8
ESGOnly;NoMargin
7
25
4.4
trailing 8%
114
15.8
Volatile
21.4
4.62
3.9
174
30
66
49
false
Buy
Add to core equity +1%
-13
7
BrokerB
LMT
97
null
null
Normal monitoring
-22
-28
22
3
false
Tax-aware sells next window
P0375
Opportunistic
Roth
USD
2025-11-05
1,490,037
92,058
1,397,979
1
70.8
20.9
0
8.2
XLF:33.3%;GLD:33.3%;VTI:33.3%
US:58.7;EU:20.6;APAC:6.2;EM:12.2;Other:2.4
Value:-0.8;Growth:-0.4;Quality:+0.1;Size:-0.3;Momentum:-0.5;LowVol:+0.2
MaxPos8%;NoDerivatives
10
30
6.3
trailing 7%
217
22.3
Volatile
28.2
4.31
3.6
167
13
52
75
true
Rebalance
Rebalance back to target bands
4
-18
BrokerD
MKT
87
VAR>budget
Reduce
Risk above budget threshold
54
-14
95
4
true
Tighten stops on momentum names
P0376
Opportunistic
401k
USD
2025-03-17
931,907
41,100
890,807
1
69
20.2
5.3
5.5
IEF:33.3%;AMZN:33.3%;MUB:33.3%
US:65.7;EU:7.8;APAC:9.7;EM:14.3;Other:2.5
Value:+0.6;Growth:-0.7;Quality:-0.0;Size:-0.4;Momentum:-1.0;LowVol:-0.7
null
7
30
5.2
hard 12%
223
27.3
Sideways
21.9
3.75
2.8
114
14
44
59
false
Hedge
Add TLT +1% as duration hedge
1
0
BrokerC
MKT
99
null
null
Normal monitoring
79
3
91
3
false
Increase defensive factor exposure
P0377
Active
Taxable
USD
2024-10-27
1,104,279
127,035
977,244
1
65.2
27.5
0
7.4
TLT:18.1%;VOO:17.7%;BND:11.3%;BRK.B:20.2%;MUB:15.8%;XLF:17.0%
US:67.9;EU:15.1;APAC:8.4;EM:7.3;Other:1.3
Value:+0.8;Growth:+0.7;Quality:-0.3;Size:+0.2;Momentum:+0.4;LowVol:-0.2
NoDerivatives
5
35
5.9
hard 12%
180
27.5
Bull
14
3.99
2.5
72
77
80
49
false
Sell
Trim extended winner -1%
13
11
BrokerC
LMT
93
null
null
Normal monitoring
32
-25
83
4
false
Increase defensive factor exposure
P0378
Systematic
Roth
USD
2025-11-19
1,821,449
116,106
1,705,343
1
56.9
23.1
10.5
9.4
BND:21.8%;TSLA:16.4%;MSFT:13.5%;XLF:6.6%;VOO:19.8%;TLT:21.8%
US:72.6;EU:6.9;APAC:9.6;EM:9.7;Other:1.2
Value:-1.0;Growth:-0.5;Quality:+0.8;Size:-0.4;Momentum:+0.8;LowVol:-0.2
MaxPos7%
8
25
4.2
trailing 9%
143
23.9
Bull
11.9
3.71
3.5
116
74
77
43
false
Buy
Add to core equity +1%
4
-36
BrokerD
MKT
90
null
null
Normal monitoring
-25
20
-48
4
false
Tax-aware sells next window
P0379
Active
Trust
USD
2024-12-31
973,967
72,218
901,749
1
60.2
23
10.4
6.4
XLF:23.0%;IEF:23.0%;BND:16.4%;MUB:15.1%;TLT:13.1%;QQQ:9.4%
US:57.9;EU:19.6;APAC:14.7;EM:4.2;Other:3.5
Value:-0.3;Growth:+0.2;Quality:-0.4;Size:+0.2;Momentum:-1.0;LowVol:-0.8
null
10
35
4.5
hard 12%
217
19.6
Sideways
16.5
3.99
2.1
121
4
38
39
false
Buy
Add to core equity +1%
-3
2
BrokerD
LMT
90
null
null
Normal monitoring
62
-18
152
5
false
Increase defensive factor exposure
P0380
Opportunistic
Taxable
USD
2025-09-25
775,596
26,249
749,347
1
74.5
20.7
0
4.9
VNQ:23.1%;HYG:20.5%;TLT:28.2%;BRK.B:28.2%
US:72.7;EU:8.7;APAC:11.4;EM:6.9;Other:0.3
Value:-0.6;Growth:-0.3;Quality:+0.4;Size:-0.5;Momentum:+0.3;LowVol:-0.9
MaxPos7%
5
35
5.6
trailing 9%
196
32.5
Volatile
27.4
4.72
2.1
149
17
70
85
true
Hedge
Buy index puts 1% notional
30
-6
BrokerB
LMT
100
Drift>tolerance
Pause
Allocation drift beyond policy bands
109
-37
112
4
false
Tax-aware sells next window
P0381
Cautious
IRA
USD
2025-01-21
271,857
38,826
233,031
1
42.2
34.6
8.3
14.8
QQQ:33.3%;GLD:33.3%;VTI:33.3%
US:68.2;EU:15.8;APAC:7.9;EM:4.9;Other:3.3
Value:-0.2;Growth:-0.7;Quality:-0.1;Size:+0.7;Momentum:+0.6;LowVol:+0.9
ESGOnly;NoDerivatives;NoMargin
5
35
3.4
trailing 8%
161
15.7
Bull
12.8
3.7
2.7
82
69
96
27
false
Sell
Trim extended winner -1%
2
-33
BrokerB
LMT
93
null
null
Normal monitoring
5
0
137
4
false
Tighten stops on momentum names
P0382
Active
Taxable
USD
2025-01-25
1,326,628
136,211
1,190,417
1
55.7
24
12.3
8.1
HYG:24.1%;GLD:24.1%;BND:11.6%;VOO:24.1%;XLF:16.1%
US:70.1;EU:9.4;APAC:15.1;EM:4.1;Other:1.4
Value:-0.9;Growth:-0.5;Quality:-0.4;Size:-0.5;Momentum:-0.1;LowVol:-0.0
null
5
25
5.8
trailing 8%
230
16.1
Bull
14.4
3.72
2.7
88
21
75
42
false
Sell
Trim extended winner -1%
-10
1
BrokerA
LMT
93
null
null
Normal monitoring
-1
-56
36
5
false
Increase defensive factor exposure
P0383
Active
Taxable
USD
2025-01-16
1,344,227
138,087
1,206,140
1.14
64
21.8
4.7
9.5
BRK.B:15.9%;XLF:21.3%;VNQ:21.3%;AMZN:6.9%;AAPL:16.9%;BND:17.8%
US:58.9;EU:22.2;APAC:5.6;EM:9.3;Other:4.1
Value:+1.0;Growth:-0.5;Quality:+0.2;Size:+0.2;Momentum:+0.1;LowVol:-0.6
null
6
35
5
trailing 8%
145
23.2
Volatile
23.6
4.15
4
121
-1
41
55
false
Sell
Trim extended winner -1%
3
-15
BrokerC
LMT
97
null
null
Normal monitoring
-17
-44
66
3
false
Tighten stops on momentum names
P0384
Hands-off
IRA
USD
2025-02-18
483,303
28,508
454,795
1
72.5
16.2
3.3
8.1
TLT:20.7%;MUB:14.2%;AAPL:16.0%;MSFT:15.9%;XLF:12.5%;GLD:20.7%
US:73.6;EU:9.2;APAC:10.7;EM:4.2;Other:2.4
Value:+0.2;Growth:-0.8;Quality:+0.6;Size:+0.4;Momentum:+0.5;LowVol:+0.2
ESGOnly
10
35
4.3
trailing 8%
120
13.5
Bull
15.2
4.52
3
94
23
60
55
false
NoAction
Within bands; monitor
-8
-29
BrokerD
MKT
0
null
null
Normal monitoring
-18
8
41
4
false
Tighten stops on momentum names
P0385
Hands-off
Roth
USD
2025-01-29
444,927
38,466
406,461
1
58.9
25.6
10
5.5
XLF:20.0%;MUB:11.8%;QQQ:24.2%;VNQ:9.9%;TLT:9.9%;HYG:24.2%
US:64.8;EU:11.1;APAC:12.4;EM:9.7;Other:2.1
Value:+0.1;Growth:+0.2;Quality:+0.9;Size:-0.1;Momentum:+0.5;LowVol:-0.9
MaxPos5%;NoDerivatives
10
30
3.1
trailing 8%
140
15.9
Volatile
29.3
5.31
2.8
160
33
56
63
false
Rebalance
Shift +1% to bonds from equity
34
-21
BrokerA
LMT
86
null
null
Normal monitoring
-36
-9
21
4
false
Monitor dispersion and breadth
P0386
Active
IRA
USD
2025-05-28
1,711,658
160,073
1,551,585
1
64
29.6
0
6.4
VTI:36.2%;VOO:36.2%;BRK.B:27.7%
US:66.7;EU:15.6;APAC:9.6;EM:4.2;Other:3.9
Value:+0.9;Growth:+0.4;Quality:-0.3;Size:+0.1;Momentum:+0.5;LowVol:+0.3
null
6
35
4.6
trailing 9%
157
18.8
Volatile
26.6
5.04
3.6
113
74
100
69
false
NoAction
Within bands; monitor
-5
-9
BrokerC
MKT
0
null
null
Normal monitoring
77
-14
217
5
false
Monitor dispersion and breadth
P0387
Active
Taxable
USD
2025-10-18
604,872
67,163
537,709
1.19
68.1
24.1
0
7.8
VOO:25.2%;BND:25.2%;AAPL:25.2%;TSLA:24.5%
US:66.3;EU:13.2;APAC:10.7;EM:4.8;Other:5.0
Value:-0.8;Growth:+0.2;Quality:+1.0;Size:+0.1;Momentum:-0.1;LowVol:+1.0
null
8
25
5.3
trailing 9%
157
24
Bull
15.9
3.74
3.2
84
33
71
60
false
Rebalance
Shift +1% to bonds from equity
1
6
BrokerA
LMT
95
null
null
Normal monitoring
-51
-29
-71
3
false
Tax-aware sells next window
P0388
Systematic
Roth
USD
2025-10-13
1,671,555
96,747
1,574,808
1
55.8
33.4
1.9
8.9
AMZN:32.2%;IEF:33.9%;TLT:33.9%
US:55.0;EU:13.6;APAC:14.8;EM:12.6;Other:4.0
Value:+0.9;Growth:+0.7;Quality:-0.6;Size:-0.2;Momentum:+0.5;LowVol:+0.2
MaxPos8%;NoDerivatives
8
25
5.6
hard 12%
132
22.8
Volatile
30.2
4.67
2.5
125
22
69
82
true
Rebalance
Rebalance back to target bands
16
5
BrokerA
VWAP
92
RegimeShift
Reduce
Volatility spike and breadth deterioration
-23
-34
15
2
true
Increase defensive factor exposure
P0389
Cautious
401k
USD
2025-08-11
514,816
64,709
450,107
1
39.5
38.7
10.3
11.5
AAPL:33.4%;TLT:33.1%;IEF:33.4%
US:64.2;EU:13.7;APAC:10.4;EM:8.0;Other:3.6
Value:-0.4;Growth:+0.4;Quality:-0.4;Size:-0.8;Momentum:-1.0;LowVol:+0.8
MaxPos7%;NoMargin
7
25
3.1
hard 10%
144
13.7
Bull
16.8
4.97
2.8
83
35
67
39
false
Rebalance
Shift +1% to bonds from equity
0
-26
BrokerD
MKT
89
null
null
Normal monitoring
83
-32
100
5
false
Within IPS guidelines
P0390
Hands-off
IRA
USD
2024-11-29
567,991
38,077
529,914
1
68.7
25.9
0
5.4
GLD:26.9%;VNQ:36.5%;AAPL:36.5%
US:64.3;EU:9.3;APAC:15.0;EM:10.5;Other:0.9
Value:+1.0;Growth:-0.7;Quality:+0.9;Size:0.0;Momentum:+0.9;LowVol:-0.3
ESGOnly;MaxPos6%;NoDerivatives
5
30
4.6
trailing 8%
116
12.8
Sideways
16
4.27
3
99
57
69
59
false
Hedge
Add TLT +1% as duration hedge
19
-19
BrokerC
MKT
92
null
null
Normal monitoring
-60
14
-21
4
false
Increase defensive factor exposure
P0391
Active
401k
USD
2025-10-14
2,147,218
205,280
1,941,938
1
60.2
25.6
9.1
5.2
TLT:9.8%;GLD:23.6%;VNQ:23.6%;BND:23.6%;VOO:19.5%
US:61.6;EU:20.6;APAC:7.0;EM:10.5;Other:0.3
Value:+0.7;Growth:+0.2;Quality:-0.7;Size:-0.7;Momentum:-0.2;LowVol:+0.6
NoDerivatives
6
35
4.4
trailing 9%
177
21.6
Volatile
31.1
4.08
3.9
168
-22
52
84
true
Hedge
Buy index puts 1% notional
-1
-12
BrokerC
LMT
100
VAR>budget
Reduce
Risk above budget threshold
36
-45
36
2
false
Within IPS guidelines
P0392
Systematic
IRA
USD
2025-05-11
451,315
35,969
415,346
1
64.6
23.4
3.3
8.7
HYG:33.3%;VNQ:33.3%;TLT:33.3%
US:68.9;EU:14.2;APAC:7.5;EM:5.7;Other:3.7
Value:-0.6;Growth:+0.4;Quality:-0.5;Size:+0.2;Momentum:+0.1;LowVol:-0.1
null
10
35
6
trailing 9%
228
19
Bull
13.8
3.67
2.1
108
84
99
36
false
Sell
Trim extended winner -1%
8
-40
BrokerD
LMT
94
null
null
Normal monitoring
6
-53
96
5
false
Monitor dispersion and breadth
P0393
Active
IRA
USD
2025-06-16
2,297,838
243,824
2,054,014
1
62.3
26.5
4.5
6.8
BRK.B:28.1%;MSFT:27.4%;AMZN:16.4%;BND:28.1%
US:64.4;EU:12.4;APAC:9.2;EM:8.7;Other:5.3
Value:-0.8;Growth:+0.8;Quality:-0.8;Size:+0.5;Momentum:-0.9;LowVol:+0.3
null
5
25
4.3
trailing 8%
216
16
Sideways
20.6
4.38
2.4
132
-11
32
54
false
Sell
Trim extended winner -1%
10
5
BrokerC
MKT
86
null
null
Normal monitoring
4
-21
68
5
false
Monitor dispersion and breadth
P0394
Cautious
Taxable
USD
2025-01-05
619,145
85,884
533,261
1
37.6
33.9
15.7
12.8
BND:23.6%;QQQ:23.6%;GLD:17.8%;AMZN:11.4%;HYG:23.6%
US:74.2;EU:6.0;APAC:7.9;EM:6.7;Other:5.2
Value:-0.9;Growth:-0.8;Quality:-0.6;Size:+0.6;Momentum:-0.4;LowVol:-0.5
MaxPos6%;NoMargin
5
30
3.1
hard 10%
136
16.9
Bull
13
4.27
2.3
101
51
90
29
false
Buy
Add to core equity +1%
2
-24
BrokerA
VWAP
87
null
null
Normal monitoring
41
-50
61
4
false
Tighten stops on momentum names
P0395
Hands-off
Roth
USD
2025-01-07
325,639
25,174
300,465
1
64.9
25.1
3.9
6.1
BND:21.7%;XLF:10.0%;BRK.B:22.8%;MUB:22.8%;VTI:22.8%
US:61.9;EU:13.0;APAC:9.4;EM:11.2;Other:4.4
Value:-0.4;Growth:+0.1;Quality:-0.1;Size:-0.4;Momentum:-0.6;LowVol:-0.8
ESGOnly;MaxPos7%
7
35
5.3
trailing 8%
166
15.5
Volatile
21.7
5.13
3.1
120
13
69
56
false
Rebalance
Shift +1% to bonds from equity
34
-11
BrokerD
LMT
99
null
null
Normal monitoring
2
-13
-11
4
false
Within IPS guidelines
P0396
Hands-off
Taxable
USD
2024-12-29
695,400
34,452
660,948
1
64.9
25.4
2.5
7.2
MSFT:19.4%;BRK.B:25.7%;QQQ:16.6%;TSLA:13.8%;BND:24.5%
US:70.1;EU:7.5;APAC:11.7;EM:8.2;Other:2.5
Value:-0.1;Growth:-0.3;Quality:+0.2;Size:+0.2;Momentum:-0.2;LowVol:-0.5
NoDerivatives
6
25
4.4
hard 10%
168
18.3
Bull
12.7
4.78
2.8
107
75
97
45
false
Sell
Trim extended winner -1%
18
-24
BrokerD
MKT
93
null
null
Normal monitoring
88
-45
71
4
false
Within IPS guidelines
P0397
Hands-off
Roth
USD
2025-05-17
182,006
17,417
164,589
1
66.9
25.6
0
7.5
IEF:23.1%;TLT:28.4%;TSLA:28.4%;HYG:20.1%
US:76.8;EU:9.8;APAC:5.2;EM:5.3;Other:2.8
Value:+0.3;Growth:+0.4;Quality:-1.0;Size:+0.8;Momentum:-0.0;LowVol:+0.4
ESGOnly;NoDerivatives
5
30
5.2
trailing 8%
161
14.9
Bear
28.5
3.75
1.9
184
-34
46
80
true
Hedge
Buy index puts 1% notional
13
15
BrokerA
LMT
85
VAR>budget
Hedge
Risk above budget threshold
-7
2
123
4
false
Increase defensive factor exposure
P0398
Hands-off
401k
USD
2024-08-29
605,553
34,302
571,251
1
64
27.6
0
8.4
VNQ:18.9%;BRK.B:13.2%;TSLA:22.6%;QQQ:22.6%;VTI:22.6%
US:72.5;EU:13.9;APAC:7.0;EM:3.0;Other:3.6
Value:+0.8;Growth:+0.6;Quality:-0.9;Size:-0.2;Momentum:+0.9;LowVol:+0.4
ESGOnly
8
35
3.8
trailing 8%
103
18
Bull
11.8
4.92
3.2
120
103
100
47
true
Reduce
Cut high-beta by 2-3%, add cash
2
-12
BrokerB
MKT
93
VAR>budget
Hedge
Risk above budget threshold
-37
-36
3
5
false
Tighten stops on momentum names
P0399
Opportunistic
Trust
USD
2025-09-16
851,069
58,869
792,200
1
67
18.1
6.4
8.6
AAPL:15.1%;BRK.B:24.2%;AMZN:24.2%;VNQ:18.7%;QQQ:17.9%
US:68.2;EU:12.3;APAC:9.3;EM:5.9;Other:4.3
Value:+0.6;Growth:+0.5;Quality:-0.5;Size:+0.4;Momentum:-0.8;LowVol:+0.3
MaxPos7%
6
25
5.1
hard 12%
163
26.7
Volatile
22.6
3.94
4.2
111
-56
17
68
false
Rebalance
Shift +1% to bonds from equity
10
-19
BrokerA
MKT
92
null
null
Normal monitoring
53
20
47
4
false
Tax-aware sells next window
P0400
Opportunistic
Roth
USD
2025-08-22
428,391
28,341
400,050
1.05
69.9
15.6
6
8.4
VOO:28.0%;TSLA:28.0%;MUB:28.0%;MSFT:16.1%
US:59.7;EU:18.5;APAC:12.2;EM:8.6;Other:0.9
Value:+0.3;Growth:-0.8;Quality:-0.5;Size:-0.9;Momentum:-0.6;LowVol:-0.6
null
7
35
6.2
trailing 7%
170
28.9
Bull
16
4.4
2.7
79
3
65
50
false
Rebalance
Shift +1% to bonds from equity
18
-30
BrokerB
LMT
86
null
null
Normal monitoring
-25
-7
-4
5
false
Tighten stops on momentum names