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
P4401
Hands-off
IRA
USD
2025-03-11
402,963
28,194
374,769
1
65.3
23
5.7
6
MUB:21.6%;VOO:20.6%;IEF:21.6%;HYG:17.4%;GLD:18.9%
US:65.1;EU:13.0;APAC:10.4;EM:9.6;Other:1.9
Value:-0.2;Growth:+1.0;Quality:-0.6;Size:-1.0;Momentum:-0.4;LowVol:+0.3
ESGOnly
5
25
3.6
trailing 8%
93
16.1
Volatile
30
4.87
3.6
125
34
68
71
true
Reduce
Cut high-beta by 2-3%, add cash
-7
-18
BrokerB
MKT
94
VAR>budget
TightenStops
Risk above budget threshold
24
-59
78
5
false
Increase defensive factor exposure
P4402
Cautious
Taxable
USD
2025-07-27
688,724
82,459
606,265
1
49.2
38.4
0
12.4
BND:33.3%;HYG:33.3%;XLF:33.3%
US:57.8;EU:17.9;APAC:9.6;EM:9.7;Other:5.0
Value:-1.0;Growth:+0.9;Quality:+0.5;Size:+0.1;Momentum:-0.6;LowVol:+0.9
ESGOnly;NoMargin
6
25
5.4
trailing 8%
131
14.2
Bear
34.3
4.48
3
199
-59
24
76
true
Hedge
Buy index puts 1% notional
-9
-40
BrokerD
LMT
87
VAR>budget
Hedge
Risk above budget threshold
-31
-48
23
5
false
Increase defensive factor exposure
P4403
Cautious
IRA
USD
2024-12-23
730,676
76,548
654,128
1
47.7
33.4
4.1
14.8
VOO:24.2%;GLD:15.7%;VNQ:20.8%;AMZN:15.0%;IEF:24.2%
US:58.4;EU:14.4;APAC:14.9;EM:7.4;Other:4.9
Value:+0.2;Growth:-0.2;Quality:-1.0;Size:-0.0;Momentum:+0.7;LowVol:-0.8
ESGOnly;NoMargin
5
35
5.1
trailing 8%
98
13.7
Sideways
19.6
4.28
3.4
126
-26
34
38
false
Rebalance
Shift +1% to bonds from equity
21
-9
BrokerB
MKT
91
null
null
Normal monitoring
52
14
52
5
false
Tighten stops on momentum names
P4404
Hands-off
Trust
USD
2025-11-28
868,398
67,905
800,493
1
63.8
23.4
3.4
9.4
BRK.B:21.9%;IEF:22.7%;AAPL:22.7%;XLF:15.4%;MSFT:17.2%
US:78.1;EU:9.5;APAC:9.1;EM:3.1;Other:0.2
Value:+0.3;Growth:-0.3;Quality:-0.9;Size:-0.4;Momentum:-0.3;LowVol:+1.0
null
10
30
5.9
hard 10%
168
17.3
Volatile
25.4
4.1
4.1
139
-8
55
67
false
Rebalance
Shift +1% to bonds from equity
5
-25
BrokerC
MKT
98
null
null
Normal monitoring
103
13
128
5
false
Monitor dispersion and breadth
P4405
Hands-off
401k
USD
2025-05-08
832,994
61,860
771,134
1
60.8
27.1
2.5
9.6
XLF:11.0%;GLD:19.0%;VOO:20.3%;TSLA:20.3%;IEF:19.2%;VTI:10.1%
US:59.5;EU:12.3;APAC:16.3;EM:10.3;Other:1.6
Value:-0.3;Growth:-0.6;Quality:-0.7;Size:-0.9;Momentum:-0.9;LowVol:+0.1
ESGOnly;NoDerivatives
6
35
3.2
trailing 8%
138
15.9
Bull
15
4.62
3.2
78
23
64
38
false
Rebalance
Shift +1% to bonds from equity
-6
-19
BrokerA
MKT
85
null
null
Normal monitoring
-35
0
20
3
false
Increase defensive factor exposure
P4406
Systematic
401k
USD
2024-07-22
1,156,731
96,140
1,060,591
1
68.6
25.2
0
6.1
XLF:33.3%;BRK.B:33.3%;VTI:33.3%
US:67.9;EU:12.5;APAC:8.0;EM:9.0;Other:2.7
Value:+0.2;Growth:-0.9;Quality:-1.0;Size:+0.4;Momentum:+0.3;LowVol:-0.2
MaxPos8%
7
25
4.2
trailing 9%
131
26.5
Sideways
20.8
3.66
3.1
125
-17
53
71
true
Reduce
Cut high-beta by 2-3%, add cash
7
-19
BrokerB
LMT
89
Drift>tolerance
Pause
Allocation drift beyond policy bands
91
-6
188
4
false
Within IPS guidelines
P4407
Hands-off
Trust
USD
2025-11-09
490,123
43,298
446,825
1
62.5
22.1
5.6
9.8
XLF:33.3%;TSLA:33.3%;AMZN:33.3%
US:66.6;EU:17.2;APAC:5.6;EM:9.6;Other:1.0
Value:-1.0;Growth:+0.9;Quality:+0.3;Size:+0.5;Momentum:+0.6;LowVol:-0.2
MaxPos7%
8
25
5.2
hard 10%
141
19.8
Bear
34.5
3.82
2.4
182
-47
23
77
true
Rebalance
Rebalance back to target bands
9
15
BrokerA
MKT
87
Drift>tolerance
Pause
Allocation drift beyond policy bands
41
16
159
3
false
Tax-aware sells next window
P4408
Opportunistic
IRA
USD
2025-05-15
1,552,563
85,131
1,467,432
1.2
64.5
10.1
17.2
8.2
BRK.B:26.9%;AMZN:26.9%;VOO:26.9%;VTI:19.4%
US:55.9;EU:20.1;APAC:10.5;EM:11.8;Other:1.7
Value:-0.3;Growth:-0.6;Quality:-0.7;Size:+0.6;Momentum:+0.5;LowVol:-0.4
NoDerivatives
7
35
5.5
trailing 9%
255
21.9
Sideways
18.5
3.96
3.3
107
15
68
62
false
Rebalance
Shift +1% to bonds from equity
-1
3
BrokerA
MKT
86
null
null
Normal monitoring
-33
0
72
4
false
Increase defensive factor exposure
P4409
Active
Taxable
USD
2025-04-19
805,672
86,867
718,805
1
58.6
25.1
8.9
7.4
VNQ:33.3%;VTI:33.3%;TLT:33.3%
US:59.0;EU:18.8;APAC:14.1;EM:6.4;Other:1.6
Value:+0.7;Growth:+0.9;Quality:-0.5;Size:-0.8;Momentum:-0.0;LowVol:+0.7
null
5
35
4.4
trailing 8%
206
17.9
Sideways
19.3
3.73
3.1
102
7
46
48
false
Hedge
Add TLT +1% as duration hedge
-4
-24
BrokerC
MKT
89
null
null
Normal monitoring
-21
-59
2
3
false
Within IPS guidelines
P4410
Active
Taxable
USD
2025-09-01
1,829,498
111,963
1,717,535
1
57.3
29.5
3.9
9.2
TSLA:24.2%;MSFT:24.0%;TLT:25.9%;VOO:25.9%
US:68.1;EU:13.2;APAC:7.9;EM:6.5;Other:4.3
Value:-0.3;Growth:-0.3;Quality:-0.1;Size:-0.4;Momentum:+0.4;LowVol:+0.1
null
8
35
4.6
trailing 8%
196
19.9
Sideways
19.2
4.39
2
130
21
73
51
false
Sell
Trim extended winner -1%
24
5
BrokerA
MKT
89
null
null
Normal monitoring
41
-17
3
5
false
Monitor dispersion and breadth
P4411
Systematic
Trust
USD
2025-12-17
1,978,744
172,819
1,805,925
1
61.8
31.8
0
6.3
TSLA:33.3%;MUB:33.3%;MSFT:33.3%
US:57.8;EU:19.7;APAC:7.1;EM:11.1;Other:4.4
Value:-0.0;Growth:-0.7;Quality:-0.2;Size:+0.1;Momentum:-0.3;LowVol:+0.2
null
8
30
4.1
hard 12%
185
24.9
Sideways
21
3.66
2.1
135
-22
25
56
false
Rebalance
Shift +1% to bonds from equity
22
-8
BrokerA
MKT
98
null
null
Normal monitoring
49
12
106
3
false
Monitor dispersion and breadth
P4412
Active
Taxable
USD
2025-09-26
1,623,797
121,299
1,502,498
1
66.1
19.6
8.8
5.6
AAPL:12.5%;VTI:13.1%;MUB:26.7%;GLD:26.7%;BND:21.0%
US:69.9;EU:6.9;APAC:10.1;EM:11.1;Other:2.0
Value:-0.9;Growth:+0.6;Quality:-0.2;Size:-0.9;Momentum:+0.1;LowVol:+0.2
null
8
35
5.4
trailing 8%
199
25.3
Bull
14.7
4.29
2.9
77
0
53
54
false
Sell
Trim extended winner -1%
21
-38
BrokerB
LMT
86
null
null
Normal monitoring
-34
-26
18
3
false
Tax-aware sells next window
P4413
Hands-off
IRA
USD
2025-12-19
898,437
43,953
854,484
1
73.1
16.1
4.2
6.6
QQQ:24.6%;MUB:21.9%;TSLA:26.7%;GLD:26.7%
US:64.4;EU:18.5;APAC:9.1;EM:6.9;Other:1.2
Value:0.0;Growth:+0.2;Quality:-0.6;Size:-0.0;Momentum:-1.0;LowVol:+0.9
ESGOnly;NoDerivatives
7
25
5
trailing 8%
127
17.5
Bear
22
3.69
1.6
137
18
56
62
false
Rebalance
Shift +1% to bonds from equity
28
-10
BrokerA
LMT
90
null
null
Normal monitoring
-47
-21
81
4
false
Tighten stops on momentum names
P4414
Cautious
Taxable
USD
2024-08-08
787,601
102,534
685,067
1
41.6
42.6
0
15.8
GLD:19.3%;MSFT:22.0%;VNQ:20.5%;AMZN:21.9%;AAPL:16.2%
US:58.4;EU:19.4;APAC:7.2;EM:9.7;Other:5.3
Value:+1.0;Growth:+0.6;Quality:-0.9;Size:+0.5;Momentum:-0.6;LowVol:-0.5
NoMargin
8
25
4.6
trailing 8%
111
19.3
Bear
30.9
4.44
2.8
187
-34
25
67
false
Buy
Add to core equity +1%
24
-34
BrokerD
LMT
97
null
null
Normal monitoring
23
14
46
4
false
Increase defensive factor exposure
P4415
Hands-off
Roth
USD
2025-05-18
190,828
13,808
177,020
1
55.1
17.1
19.7
8.1
HYG:15.4%;IEF:23.3%;MSFT:23.3%;AMZN:23.3%;VTI:14.6%
US:62.9;EU:19.8;APAC:10.5;EM:5.1;Other:1.7
Value:-0.2;Growth:-0.4;Quality:-0.3;Size:+0.4;Momentum:-0.9;LowVol:+0.7
null
5
35
4.4
hard 10%
134
15.9
Bull
12.2
4.09
2.4
109
68
86
30
false
Buy
Add to core equity +1%
6
-26
BrokerD
LMT
85
null
null
Normal monitoring
87
13
116
3
false
Tax-aware sells next window
P4416
Opportunistic
401k
USD
2024-07-11
1,736,677
63,562
1,673,115
1
63.5
20.9
9.5
6.1
VNQ:23.3%;VOO:23.3%;MSFT:18.7%;BND:23.3%;TSLA:11.5%
US:67.6;EU:11.0;APAC:14.4;EM:6.0;Other:1.0
Value:-0.7;Growth:+0.2;Quality:+0.7;Size:+0.9;Momentum:+0.9;LowVol:-0.8
MaxPos8%;NoDerivatives
6
30
5.6
trailing 9%
254
33.4
Bull
16.2
4.98
2.6
120
30
77
41
false
Sell
Trim extended winner -1%
25
-24
BrokerD
MKT
91
null
null
Normal monitoring
94
-37
225
5
false
Monitor dispersion and breadth
P4417
Hands-off
401k
USD
2025-07-03
761,033
59,566
701,467
1
58.4
28
6.8
6.9
VNQ:25.9%;MUB:22.4%;BND:25.9%;MSFT:25.9%
US:60.4;EU:11.6;APAC:14.5;EM:9.8;Other:3.7
Value:+0.6;Growth:+0.5;Quality:-0.7;Size:-0.6;Momentum:+0.5;LowVol:+0.9
ESGOnly;MaxPos5%;NoDerivatives
5
30
5.7
trailing 10%
120
14.5
Bull
12.1
3.88
2.5
72
2
52
43
true
Reduce
Cut high-beta by 2-3%, add cash
16
-33
BrokerB
LMT
87
Drift>tolerance
Pause
Allocation drift beyond policy bands
30
-59
69
3
false
Tighten stops on momentum names
P4418
Cautious
IRA
USD
2025-10-12
689,217
65,838
623,379
1
53.6
33.2
0
13.2
AAPL:24.6%;AMZN:12.6%;TSLA:24.6%;XLF:21.7%;BND:16.5%
US:65.6;EU:14.0;APAC:6.3;EM:11.1;Other:3.0
Value:-0.6;Growth:-0.5;Quality:-0.5;Size:-0.3;Momentum:+0.4;LowVol:+0.6
ESGOnly;NoMargin
10
30
5.4
trailing 8%
158
19.3
Bull
16.8
3.54
2.5
109
2
46
53
false
Rebalance
Shift +1% to bonds from equity
-4
-4
BrokerC
MKT
97
null
null
Normal monitoring
84
2
60
3
false
Increase defensive factor exposure
P4419
Systematic
Trust
USD
2024-09-15
915,541
62,966
852,575
1
67.3
23.6
0
9.1
HYG:27.6%;BND:21.1%;VNQ:23.8%;MSFT:27.6%
US:64.5;EU:13.8;APAC:11.2;EM:7.8;Other:2.7
Value:0.0;Growth:-0.0;Quality:+0.5;Size:+0.7;Momentum:+0.4;LowVol:+0.2
MaxPos5%
5
30
4.9
trailing 8%
223
17.8
Sideways
18.3
4.66
2.3
110
45
60
65
false
Rebalance
Shift +1% to bonds from equity
17
-9
BrokerA
MKT
87
null
null
Normal monitoring
27
-43
165
4
false
Tax-aware sells next window
P4420
Systematic
Trust
USD
2024-11-23
1,452,503
63,186
1,389,317
1
56.7
20.2
14.5
8.6
HYG:33.3%;BND:33.3%;TLT:33.3%
US:56.8;EU:16.0;APAC:13.7;EM:10.8;Other:2.7
Value:-0.8;Growth:-0.9;Quality:+0.5;Size:-0.8;Momentum:+0.3;LowVol:-0.8
MaxPos6%
5
30
4.4
hard 12%
165
23.2
Bull
15.9
3.93
2.8
72
0
48
55
false
NoAction
Within bands; monitor
16
-32
BrokerC
VWAP
93
null
null
Normal monitoring
71
-23
111
4
false
Tax-aware sells next window
P4421
Hands-off
IRA
USD
2025-09-14
336,640
31,090
305,550
1
63.1
16
12.3
8.7
GLD:18.6%;XLF:15.7%;BND:23.2%;VNQ:9.3%;MSFT:10.0%;TLT:23.2%
US:72.6;EU:11.1;APAC:8.4;EM:7.1;Other:0.8
Value:-0.7;Growth:-0.1;Quality:-0.3;Size:+0.9;Momentum:+0.4;LowVol:-0.9
ESGOnly
5
35
4.8
trailing 8%
155
16.3
Sideways
20.2
3.65
3.2
97
27
74
50
false
NoAction
Within bands; monitor
-13
-15
BrokerC
VWAP
93
null
null
Normal monitoring
100
-39
146
5
false
Within IPS guidelines
P4422
Active
401k
USD
2024-08-07
1,691,887
104,891
1,586,996
1.24
67.6
24.1
0
8.4
VOO:35.7%;XLF:28.5%;TSLA:35.7%
US:58.7;EU:17.4;APAC:15.7;EM:5.3;Other:2.9
Value:+0.4;Growth:+0.9;Quality:+0.6;Size:-0.9;Momentum:-0.5;LowVol:-0.4
MaxPos5%
8
35
4
hard 12%
189
18.7
Sideways
19.8
3.74
3.3
97
-30
22
59
false
Hedge
Add TLT +1% as duration hedge
27
-33
BrokerB
LMT
100
null
null
Normal monitoring
52
-58
188
5
false
Tax-aware sells next window
P4423
Active
Roth
USD
2025-02-07
670,923
43,993
626,930
1.07
66.6
26.2
0
7.1
TSLA:29.8%;HYG:35.1%;BND:35.1%
US:73.5;EU:13.6;APAC:5.8;EM:4.6;Other:2.5
Value:+0.3;Growth:+0.5;Quality:+0.4;Size:-0.7;Momentum:-0.8;LowVol:-0.3
MaxPos6%;NoDerivatives
5
35
4.2
trailing 8%
150
16.4
Volatile
29.2
4.76
2.3
128
-13
33
76
true
Rebalance
Rebalance back to target bands
7
-25
BrokerB
MKT
87
Drift>tolerance
Reduce
Allocation drift beyond policy bands
34
-4
8
2
false
Within IPS guidelines
P4424
Hands-off
IRA
USD
2025-10-23
460,835
42,130
418,705
1
66.7
27.6
0
5.6
TLT:25.7%;GLD:25.7%;HYG:23.0%;IEF:25.7%
US:70.3;EU:15.9;APAC:5.8;EM:7.1;Other:0.9
Value:-0.5;Growth:-0.2;Quality:-0.8;Size:+0.5;Momentum:+0.4;LowVol:-0.7
ESGOnly;MaxPos7%
10
25
4.1
hard 10%
115
12.4
Bull
14.9
3.89
2
101
33
62
54
false
Rebalance
Shift +1% to bonds from equity
-14
-25
BrokerB
LMT
88
null
null
Normal monitoring
96
-22
212
3
false
Monitor dispersion and breadth
P4425
Active
IRA
USD
2024-09-04
1,920,357
192,070
1,728,287
1
64.1
19.7
9.3
6.8
TSLA:19.5%;AAPL:22.0%;VTI:23.3%;MUB:11.8%;BRK.B:23.3%
US:58.3;EU:9.6;APAC:16.5;EM:10.3;Other:5.3
Value:-0.8;Growth:+0.5;Quality:-0.9;Size:+0.5;Momentum:-0.5;LowVol:-0.1
MaxPos8%;NoDerivatives
8
30
5.6
trailing 9%
216
25
Bull
16.1
4.47
2.1
81
3
64
55
true
Hedge
Buy index puts 1% notional
5
12
BrokerA
LMT
88
VAR>budget
Hedge
Risk above budget threshold
115
-52
79
4
false
Increase defensive factor exposure
P4426
Hands-off
Taxable
USD
2025-04-20
587,169
32,907
554,262
1
65.5
18.3
7.5
8.6
VTI:19.0%;HYG:24.2%;VNQ:19.2%;MUB:13.3%;BND:24.2%
US:70.3;EU:7.9;APAC:13.3;EM:4.9;Other:3.6
Value:-0.7;Growth:-0.9;Quality:+0.7;Size:-0.6;Momentum:+0.6;LowVol:-0.3
ESGOnly
8
30
4.2
trailing 8%
163
15.1
Sideways
19
3.92
2.7
127
-21
39
62
false
Hedge
Add TLT +1% as duration hedge
-3
-23
BrokerA
MKT
89
null
null
Normal monitoring
-32
-44
78
5
false
Increase defensive factor exposure
P4427
Active
Roth
USD
2024-07-08
769,339
69,591
699,748
1
66.8
24.7
0
8.5
GLD:21.7%;MUB:17.1%;BRK.B:18.8%;QQQ:21.7%;XLF:20.7%
US:65.0;EU:18.2;APAC:11.6;EM:4.7;Other:0.6
Value:-0.1;Growth:+0.3;Quality:-0.1;Size:-0.1;Momentum:-0.7;LowVol:-0.1
MaxPos6%
7
30
5.1
trailing 8%
211
23.9
Bear
24.7
4.43
2.7
170
11
41
70
true
Hedge
Buy index puts 1% notional
0
-19
BrokerB
LMT
92
Drift>tolerance
Hedge
Allocation drift beyond policy bands
108
-15
96
4
false
Increase defensive factor exposure
P4428
Opportunistic
Taxable
USD
2025-11-05
1,797,772
125,300
1,672,472
1.06
60.5
14.3
18.2
7
BRK.B:22.4%;MSFT:21.7%;AMZN:11.1%;IEF:22.3%;AAPL:22.4%
US:68.8;EU:7.7;APAC:8.6;EM:12.7;Other:2.2
Value:-0.4;Growth:+0.6;Quality:+0.9;Size:-0.3;Momentum:-0.3;LowVol:+0.3
null
6
25
5.9
trailing 7%
262
32.2
Bear
23.9
3.46
2.2
140
30
66
62
false
Buy
Add to core equity +1%
-9
-29
BrokerB
MKT
93
null
null
Normal monitoring
14
-8
73
4
false
Increase defensive factor exposure
P4429
Hands-off
Roth
USD
2024-09-15
736,358
44,706
691,652
1
61.1
22.3
10
6.6
TLT:22.2%;BRK.B:13.3%;MUB:21.1%;VOO:21.1%;MSFT:22.2%
US:63.0;EU:19.2;APAC:5.4;EM:10.7;Other:1.7
Value:+0.1;Growth:-0.1;Quality:-0.6;Size:+0.9;Momentum:-0.8;LowVol:+0.7
null
10
30
3.7
hard 10%
140
13.6
Bull
15
3.53
2.9
111
6
66
46
false
Hedge
Add TLT +1% as duration hedge
1
-28
BrokerB
LMT
89
null
null
Normal monitoring
-46
0
-49
3
false
Within IPS guidelines
P4430
Hands-off
401k
USD
2024-08-12
174,236
14,897
159,339
1
65.4
20.4
8.4
5.8
VNQ:21.3%;VTI:19.9%;BND:21.3%;TLT:7.7%;BRK.B:8.5%;AAPL:21.3%
US:61.2;EU:17.2;APAC:13.6;EM:7.4;Other:0.6
Value:+1.0;Growth:-0.2;Quality:+0.6;Size:+0.3;Momentum:-0.1;LowVol:+0.4
null
6
35
4.6
trailing 8%
96
14.1
Volatile
21.8
4.58
4.3
128
-15
49
60
false
Buy
Add to core equity +1%
8
0
BrokerD
LMT
95
null
null
Normal monitoring
15
-5
36
4
false
Tax-aware sells next window
P4431
Hands-off
IRA
USD
2024-07-21
448,434
31,481
416,953
1
66.7
26.8
0.1
6.4
VNQ:20.2%;HYG:14.1%;VTI:17.4%;TSLA:13.2%;VOO:18.0%;QQQ:17.1%
US:60.4;EU:16.2;APAC:17.2;EM:4.4;Other:1.8
Value:+0.1;Growth:-0.3;Quality:+0.6;Size:-0.8;Momentum:+0.6;LowVol:-0.6
MaxPos7%;NoDerivatives
7
25
5
trailing 8%
93
17.2
Bull
17.1
4.55
2.9
96
104
100
45
false
NoAction
Within bands; monitor
22
-35
BrokerD
MKT
0
null
null
Normal monitoring
8
17
20
3
false
Within IPS guidelines
P4432
Active
401k
USD
2025-08-29
2,208,042
260,252
1,947,790
1
51
29.3
10.1
9.6
TLT:33.3%;MSFT:33.3%;BND:33.3%
US:66.3;EU:11.1;APAC:13.2;EM:9.2;Other:0.2
Value:-0.9;Growth:-1.0;Quality:+0.2;Size:-0.9;Momentum:-0.8;LowVol:-0.9
null
7
35
4.4
trailing 9%
196
18.3
Bull
12.1
3.77
3.5
110
85
85
42
true
Reduce
Cut high-beta by 2-3%, add cash
-14
-36
BrokerA
MKT
91
VAR>budget
Hedge
Risk above budget threshold
43
-39
180
4
false
Tighten stops on momentum names
P4433
Active
Trust
USD
2025-12-10
1,795,370
188,912
1,606,458
1
56.6
23.2
13.1
7.1
IEF:16.5%;TLT:23.8%;HYG:23.8%;GLD:12.2%;VNQ:23.8%
US:65.1;EU:9.1;APAC:12.1;EM:9.5;Other:4.2
Value:-0.4;Growth:-0.7;Quality:+0.2;Size:-0.6;Momentum:+0.7;LowVol:-0.7
null
8
30
4.6
hard 12%
167
21.3
Bull
12.4
4.18
2
114
66
86
28
false
Buy
Add to core equity +1%
20
-25
BrokerA
LMT
96
null
null
Normal monitoring
14
-10
94
4
false
Within IPS guidelines
P4434
Active
Taxable
USD
2024-07-30
1,402,743
90,601
1,312,142
1
55.2
19.5
16.6
8.7
MUB:22.2%;VNQ:21.1%;HYG:22.2%;TLT:22.2%;BRK.B:12.3%
US:60.9;EU:21.8;APAC:8.1;EM:6.3;Other:2.9
Value:0.0;Growth:-0.6;Quality:-0.8;Size:+0.3;Momentum:+0.8;LowVol:+0.2
NoDerivatives
8
25
4.8
hard 12%
127
25.6
Volatile
24.4
3.9
4.2
115
-39
25
53
false
Buy
Add to core equity +1%
16
-33
BrokerB
MKT
94
null
null
Normal monitoring
79
-23
118
4
false
Increase defensive factor exposure
P4435
Cautious
IRA
USD
2025-05-14
215,538
30,431
185,107
1
35.8
35.5
17
11.7
QQQ:15.3%;TSLA:15.6%;BRK.B:16.2%;IEF:17.1%;AMZN:15.5%;VTI:20.2%
US:66.1;EU:10.7;APAC:12.4;EM:6.4;Other:4.4
Value:-0.2;Growth:+0.4;Quality:-0.4;Size:-0.2;Momentum:+0.7;LowVol:-0.6
ESGOnly;MaxPos7%;NoMargin
7
25
3.6
trailing 8%
155
18.5
Bull
14.3
4.87
2.6
97
105
100
27
false
Hedge
Add TLT +1% as duration hedge
-2
-5
BrokerB
MKT
90
null
null
Normal monitoring
92
-28
146
4
false
Increase defensive factor exposure
P4436
Cautious
Roth
USD
2025-10-12
494,486
43,986
450,500
1
45.8
37.9
0
16.3
AMZN:14.9%;VOO:16.0%;XLF:23.0%;QQQ:23.0%;TSLA:23.0%
US:73.9;EU:10.0;APAC:7.6;EM:8.4;Other:0.1
Value:-0.9;Growth:+0.9;Quality:-0.4;Size:+0.5;Momentum:-0.3;LowVol:-0.9
ESGOnly;MaxPos6%;NoMargin
8
35
3.2
trailing 8%
136
13.9
Sideways
17.7
3.68
3
124
54
84
49
false
Rebalance
Shift +1% to bonds from equity
16
-7
BrokerA
MKT
97
null
null
Normal monitoring
-11
5
126
5
false
Increase defensive factor exposure
P4437
Opportunistic
401k
USD
2025-05-18
715,529
27,980
687,549
1
60.4
19.4
15.2
5
TSLA:22.0%;BND:8.0%;VTI:14.3%;GLD:12.1%;MUB:22.0%;MSFT:21.6%
US:72.9;EU:9.0;APAC:8.2;EM:8.9;Other:1.1
Value:-0.7;Growth:+0.8;Quality:+0.2;Size:+0.3;Momentum:+0.7;LowVol:+0.5
MaxPos7%
8
30
6.9
trailing 7%
206
32.4
Bull
16.3
4.7
2.5
84
117
100
38
false
NoAction
Within bands; monitor
7
-23
BrokerD
MKT
0
null
null
Normal monitoring
65
13
48
5
false
Monitor dispersion and breadth
P4438
Hands-off
IRA
USD
2025-05-10
453,390
18,193
435,197
1
57.9
26.9
8.4
6.8
BND:33.3%;TSLA:33.3%;BRK.B:33.3%
US:70.0;EU:16.2;APAC:7.3;EM:4.5;Other:2.0
Value:+0.8;Growth:+0.5;Quality:+0.8;Size:-0.6;Momentum:-0.8;LowVol:+0.6
MaxPos8%
6
25
4.7
trailing 8%
121
16.2
Bear
30.9
3.12
2.2
142
34
62
79
true
Hedge
Buy index puts 1% notional
6
-34
BrokerB
MKT
93
RegimeShift
TightenStops
Volatility spike and breadth deterioration
104
-52
145
2
false
Tighten stops on momentum names
P4439
Opportunistic
IRA
USD
2025-09-23
933,465
68,534
864,931
1.17
71.9
20.4
3.1
4.6
GLD:35.1%;HYG:29.8%;VNQ:35.1%
US:79.9;EU:6.4;APAC:7.5;EM:5.3;Other:0.8
Value:-0.4;Growth:+1.0;Quality:-0.9;Size:-0.6;Momentum:-0.0;LowVol:+0.6
MaxPos5%
5
25
5.8
hard 12%
223
29.5
Bull
16.4
3.57
2.9
102
57
78
57
true
Hedge
Buy index puts 1% notional
10
8
BrokerD
MKT
88
RegimeShift
Hedge
Volatility spike and breadth deterioration
26
7
6
2
true
Tighten stops on momentum names
P4440
Systematic
401k
USD
2025-07-26
524,459
44,662
479,797
1
63.8
25.4
5.1
5.7
HYG:31.7%;MUB:34.1%;AMZN:34.1%
US:66.8;EU:6.0;APAC:14.9;EM:8.2;Other:4.2
Value:-0.9;Growth:+0.1;Quality:+0.3;Size:+0.5;Momentum:-0.8;LowVol:+0.8
NoDerivatives
7
25
5.4
hard 12%
215
22.1
Bull
11.7
4.45
3
101
96
100
38
false
Rebalance
Shift +1% to bonds from equity
31
-38
BrokerD
MKT
91
null
null
Normal monitoring
-27
-24
47
4
false
Increase defensive factor exposure
P4441
Active
Roth
USD
2024-12-13
2,160,030
193,320
1,966,710
1
57
24.1
12.9
6.1
TLT:26.8%;VTI:26.8%;MUB:25.3%;AAPL:21.0%
US:56.0;EU:13.0;APAC:15.6;EM:11.9;Other:3.4
Value:-0.4;Growth:+0.2;Quality:-0.8;Size:-0.5;Momentum:+0.1;LowVol:-0.7
null
10
35
5.4
hard 12%
158
21.8
Sideways
18.5
4.13
2.1
120
44
75
60
false
Rebalance
Shift +1% to bonds from equity
26
-33
BrokerD
LMT
100
null
null
Normal monitoring
-48
12
-79
3
false
Tighten stops on momentum names
P4442
Systematic
401k
USD
2025-10-25
1,782,279
92,471
1,689,808
1
60.3
22.2
9.5
8
VNQ:22.2%;MSFT:22.2%;VOO:21.2%;GLD:22.2%;TLT:12.2%
US:69.8;EU:8.8;APAC:10.5;EM:8.5;Other:2.4
Value:0.0;Growth:-0.2;Quality:+0.3;Size:-0.4;Momentum:+0.8;LowVol:-0.4
null
6
35
4.2
trailing 9%
153
26.3
Bear
22
3.94
1.8
155
-25
51
60
true
Reduce
Cut high-beta by 2-3%, add cash
17
-3
BrokerB
MKT
92
RegimeShift
Hedge
Volatility spike and breadth deterioration
85
-15
104
3
false
Increase defensive factor exposure
P4443
Hands-off
Roth
USD
2025-07-27
510,880
46,371
464,509
1
71.3
20.7
2.9
5
VOO:21.1%;GLD:12.6%;QQQ:17.2%;XLF:19.8%;VTI:8.2%;TSLA:21.1%
US:73.4;EU:9.0;APAC:6.3;EM:8.3;Other:3.1
Value:+0.5;Growth:-0.7;Quality:+1.0;Size:+0.7;Momentum:+1.0;LowVol:+0.7
null
10
25
3.5
trailing 8%
132
13
Volatile
22.4
4.84
3.5
127
-9
54
60
false
Rebalance
Shift +1% to bonds from equity
22
-13
BrokerA
MKT
87
null
null
Normal monitoring
46
-43
137
3
false
Tax-aware sells next window
P4444
Cautious
Roth
USD
2025-05-19
177,748
27,606
150,142
1
47.2
35.6
0
17.2
VOO:17.8%;IEF:15.7%;TSLA:22.2%;HYG:22.2%;BRK.B:22.2%
US:62.8;EU:16.7;APAC:7.1;EM:11.9;Other:1.5
Value:+0.2;Growth:+0.7;Quality:+0.9;Size:-0.1;Momentum:+0.4;LowVol:-0.1
MaxPos6%;NoMargin
7
35
3.5
hard 10%
150
15
Bear
26.4
4.46
1.3
208
-26
23
51
false
Rebalance
Shift +1% to bonds from equity
10
-19
BrokerD
MKT
98
null
null
Normal monitoring
89
-25
106
4
false
Monitor dispersion and breadth
P4445
Cautious
401k
USD
2025-02-14
153,893
19,625
134,268
1
47.8
34.8
6.9
10.4
BRK.B:15.8%;MSFT:21.2%;AMZN:8.7%;GLD:16.5%;VTI:21.2%;VOO:16.5%
US:73.8;EU:6.5;APAC:10.1;EM:5.9;Other:3.7
Value:+0.4;Growth:+0.9;Quality:-0.3;Size:-0.3;Momentum:-0.9;LowVol:+0.3
ESGOnly;MaxPos7%;NoMargin
5
25
5.1
trailing 8%
130
14.4
Bull
18
3.64
2.1
113
38
58
39
true
Reduce
Cut high-beta by 2-3%, add cash
-8
-8
BrokerA
MKT
95
Drift>tolerance
Pause
Allocation drift beyond policy bands
54
-4
40
3
false
Increase defensive factor exposure
P4446
Cautious
IRA
USD
2025-05-06
368,805
43,351
325,454
1
43.7
30.4
9.5
16.3
AAPL:9.5%;TLT:16.2%;BRK.B:21.2%;GLD:21.5%;TSLA:20.9%;VOO:10.7%
US:59.2;EU:13.4;APAC:15.3;EM:10.5;Other:1.6
Value:+0.7;Growth:+0.2;Quality:-0.7;Size:+0.9;Momentum:-0.3;LowVol:-0.8
ESGOnly;NoDerivatives;NoMargin
8
25
5
hard 10%
150
15.4
Bull
15.9
4.1
3
101
116
100
29
false
Buy
Add to core equity +1%
27
-22
BrokerC
LMT
98
null
null
Normal monitoring
34
-34
98
3
false
Tax-aware sells next window
P4447
Opportunistic
Trust
USD
2025-04-20
665,475
30,741
634,734
1
60.9
10.9
21.2
7.1
HYG:20.7%;VOO:8.1%;QQQ:16.6%;MSFT:13.2%;BRK.B:20.7%;MUB:20.7%
US:62.1;EU:15.7;APAC:12.2;EM:8.4;Other:1.7
Value:+0.5;Growth:+0.3;Quality:-1.0;Size:-0.3;Momentum:-0.1;LowVol:-0.9
NoDerivatives
7
25
4.8
hard 12%
183
22.9
Bear
28.8
4.01
2.6
140
31
60
75
true
Hedge
Buy index puts 1% notional
-7
7
BrokerD
LMT
94
VAR>budget
Hedge
Risk above budget threshold
-16
-13
87
5
false
Increase defensive factor exposure
P4448
Cautious
401k
USD
2024-08-05
854,341
110,158
744,183
1
44.2
39.7
0
16.1
BND:22.5%;XLF:21.5%;MSFT:21.7%;AAPL:11.8%;GLD:22.5%
US:66.8;EU:13.1;APAC:5.6;EM:9.3;Other:5.2
Value:-0.0;Growth:-1.0;Quality:-0.7;Size:+0.6;Momentum:-0.5;LowVol:+0.5
ESGOnly;MaxPos7%;NoMargin
5
30
5.5
trailing 8%
97
14.3
Bear
26.6
3.96
2.4
153
-6
46
63
false
Buy
Add to core equity +1%
-4
-12
BrokerB
LMT
97
null
null
Normal monitoring
-25
-10
115
5
false
Increase defensive factor exposure
P4449
Hands-off
Trust
USD
2024-10-23
565,170
56,173
508,997
1
61.3
29.7
0
9
TLT:28.5%;BND:14.4%;MUB:28.5%;AAPL:28.5%
US:64.7;EU:7.4;APAC:16.0;EM:6.2;Other:5.7
Value:-0.2;Growth:+0.2;Quality:-0.1;Size:+0.5;Momentum:+0.8;LowVol:-0.8
ESGOnly
10
25
5.4
hard 10%
115
13.8
Sideways
21
4.3
2.5
117
53
78
68
false
Rebalance
Shift +1% to bonds from equity
3
-16
BrokerA
LMT
87
null
null
Normal monitoring
-26
-30
104
4
false
Increase defensive factor exposure
P4450
Opportunistic
Trust
USD
2025-04-21
1,329,730
56,624
1,273,106
1
61.2
15.2
17.4
6.2
HYG:11.4%;XLF:21.1%;QQQ:22.0%;IEF:22.7%;AMZN:22.7%
US:60.6;EU:16.4;APAC:10.8;EM:7.9;Other:4.3
Value:-0.3;Growth:+0.3;Quality:+0.9;Size:-0.4;Momentum:-0.5;LowVol:+0.7
NoDerivatives
7
25
5.8
trailing 9%
245
25.2
Bear
33.2
4.02
2.5
157
-77
8
80
true
Reduce
Cut high-beta by 2-3%, add cash
21
-6
BrokerB
MKT
87
RegimeShift
Reduce
Volatility spike and breadth deterioration
-2
-58
7
2
false
Monitor dispersion and breadth
P4451
Hands-off
Roth
USD
2024-11-06
492,174
46,319
445,855
1
72.2
15.7
3.9
8.3
VTI:27.0%;TLT:27.0%;BND:18.9%;HYG:27.0%
US:66.0;EU:11.6;APAC:13.7;EM:7.6;Other:1.1
Value:-0.5;Growth:-0.2;Quality:+0.9;Size:-0.6;Momentum:-0.6;LowVol:-0.7
ESGOnly;MaxPos6%;NoDerivatives
7
25
4.7
trailing 8%
123
12.9
Bear
28.4
3.49
2.7
198
18
73
70
false
Sell
Trim extended winner -1%
2
-18
BrokerB
VWAP
100
null
null
Normal monitoring
17
-1
-12
5
false
Monitor dispersion and breadth
P4452
Opportunistic
Trust
USD
2025-08-26
1,582,370
67,396
1,514,974
1
66.5
13.8
11.2
8.5
VNQ:26.9%;MUB:26.9%;XLF:19.2%;TLT:26.9%
US:67.6;EU:17.3;APAC:7.6;EM:6.3;Other:1.1
Value:+0.9;Growth:0.0;Quality:-0.9;Size:-0.5;Momentum:+0.3;LowVol:-1.0
null
8
25
6.1
hard 12%
247
30.8
Volatile
22.8
4.91
4.1
119
-37
21
69
false
Sell
Trim extended winner -1%
26
-30
BrokerD
VWAP
86
null
null
Normal monitoring
11
-36
5
5
false
Tighten stops on momentum names
P4453
Cautious
Trust
USD
2025-09-28
517,940
63,181
454,759
1
46.9
33.6
3.6
15.9
AMZN:20.7%;MSFT:15.6%;BRK.B:20.3%;VNQ:23.9%;TLT:19.5%
US:67.8;EU:13.1;APAC:12.5;EM:4.3;Other:2.3
Value:+0.2;Growth:-0.1;Quality:-0.3;Size:-0.9;Momentum:-0.6;LowVol:+0.1
NoMargin
6
30
5.1
trailing 8%
105
13.9
Volatile
28.9
4.78
2.8
110
-9
49
68
true
Hedge
Buy index puts 1% notional
27
-38
BrokerC
MKT
86
VAR>budget
Reduce
Risk above budget threshold
55
4
42
3
false
Increase defensive factor exposure
P4454
Systematic
Trust
USD
2025-12-06
1,797,697
137,526
1,660,171
1
60.9
32.4
0
6.7
BRK.B:19.3%;VOO:21.4%;TLT:21.4%;MSFT:16.6%;VTI:21.4%
US:68.4;EU:15.3;APAC:7.7;EM:4.6;Other:4.0
Value:0.0;Growth:-0.9;Quality:-0.2;Size:+0.1;Momentum:+0.5;LowVol:-0.5
MaxPos6%;NoDerivatives
5
25
4.2
trailing 8%
198
19.1
Bear
32.1
3.6
1.6
145
23
75
81
true
Hedge
Buy index puts 1% notional
-6
-16
BrokerA
MKT
89
VAR>budget
Reduce
Risk above budget threshold
57
7
173
2
false
Increase defensive factor exposure
P4455
Opportunistic
Taxable
USD
2024-07-22
984,031
47,881
936,150
1.18
60.8
13.2
17.1
8.9
IEF:21.4%;HYG:7.9%;QQQ:18.4%;AAPL:9.5%;BND:21.4%;MUB:21.4%
US:70.1;EU:9.8;APAC:12.3;EM:5.4;Other:2.4
Value:+0.5;Growth:-0.4;Quality:+0.7;Size:-0.6;Momentum:+0.1;LowVol:-0.4
null
5
30
5.8
hard 12%
279
33.5
Volatile
22.9
4.81
3.7
113
-9
31
55
false
Hedge
Add TLT +1% as duration hedge
17
0
BrokerA
MKT
98
null
null
Normal monitoring
46
1
117
3
false
Within IPS guidelines
P4456
Systematic
Taxable
USD
2025-08-26
1,566,877
78,757
1,488,120
1
64.2
25.5
4.6
5.6
AMZN:33.3%;BND:33.3%;TLT:33.3%
US:68.7;EU:9.2;APAC:14.3;EM:5.9;Other:2.0
Value:+0.9;Growth:+0.1;Quality:-0.5;Size:-1.0;Momentum:+0.5;LowVol:-0.2
MaxPos7%
10
30
5.6
trailing 8%
133
26.4
Bear
34.2
3.89
2.9
163
-40
34
80
true
Reduce
Cut high-beta by 2-3%, add cash
-8
-38
BrokerD
LMT
93
VAR>budget
TightenStops
Risk above budget threshold
-51
-60
46
4
false
Within IPS guidelines
P4457
Systematic
IRA
USD
2025-06-17
1,719,275
78,669
1,640,606
1
65.5
26.9
0
7.6
BRK.B:10.4%;VNQ:23.2%;VTI:15.9%;HYG:16.7%;XLF:23.2%;IEF:10.6%
US:69.0;EU:11.4;APAC:8.0;EM:7.2;Other:4.4
Value:-0.8;Growth:-0.3;Quality:-0.4;Size:-0.0;Momentum:-0.9;LowVol:-0.5
NoDerivatives
10
25
4.8
hard 12%
223
25.1
Bear
32.4
3.18
1.4
217
24
63
81
true
Rebalance
Rebalance back to target bands
9
-14
BrokerA
LMT
93
Drift>tolerance
Reduce
Allocation drift beyond policy bands
-44
-12
9
4
false
Monitor dispersion and breadth
P4458
Opportunistic
401k
USD
2025-07-14
1,222,408
93,815
1,128,593
1
74.7
13.3
7
5
BRK.B:20.1%;AMZN:17.1%;MUB:12.8%;TSLA:12.5%;QQQ:18.6%;VNQ:19.0%
US:67.1;EU:15.2;APAC:5.2;EM:8.8;Other:3.8
Value:-0.0;Growth:+0.3;Quality:-0.3;Size:-0.3;Momentum:+0.8;LowVol:-0.9
NoDerivatives
10
30
6.6
hard 12%
238
29
Bear
33.3
3.77
2.7
159
26
61
82
true
Reduce
Cut high-beta by 2-3%, add cash
15
13
BrokerD
MKT
91
VAR>budget
Pause
Risk above budget threshold
-57
18
-38
3
false
Tighten stops on momentum names
P4459
Active
Roth
USD
2024-09-22
1,528,931
175,910
1,353,021
1
60.1
32
1.9
6.1
IEF:33.3%;MSFT:33.3%;TLT:33.3%
US:62.4;EU:18.0;APAC:10.4;EM:6.0;Other:3.2
Value:-0.3;Growth:-0.4;Quality:+0.4;Size:-0.4;Momentum:+0.9;LowVol:+0.4
MaxPos5%;NoDerivatives
7
30
5.8
hard 12%
127
16.3
Sideways
20.2
4.1
3.3
90
22
69
52
false
NoAction
Within bands; monitor
-6
14
BrokerD
MKT
0
null
null
Normal monitoring
105
-15
227
5
false
Tighten stops on momentum names
P4460
Cautious
IRA
USD
2024-11-22
865,701
75,267
790,434
1
51.1
35.7
2.2
10.9
AAPL:33.3%;VOO:33.3%;BRK.B:33.3%
US:65.6;EU:6.9;APAC:16.8;EM:8.2;Other:2.5
Value:-0.5;Growth:-0.2;Quality:-0.1;Size:-0.1;Momentum:+0.3;LowVol:+0.2
ESGOnly;NoDerivatives;NoMargin
8
25
4.9
trailing 8%
140
18.9
Bear
32.4
3.95
2.8
176
-103
7
75
true
Hedge
Buy index puts 1% notional
23
0
BrokerB
LMT
98
Drift>tolerance
Reduce
Allocation drift beyond policy bands
106
-56
148
3
false
Within IPS guidelines
P4461
Systematic
Trust
USD
2025-10-15
1,032,010
45,642
986,368
1
67
26.6
0
6.4
BRK.B:11.4%;VTI:9.1%;MUB:18.6%;AAPL:20.2%;VNQ:20.3%;HYG:20.3%
US:57.5;EU:18.9;APAC:14.4;EM:9.1;Other:0.2
Value:-0.1;Growth:-0.2;Quality:0.0;Size:-0.4;Momentum:+0.8;LowVol:-0.7
null
8
35
6
trailing 9%
223
19.4
Volatile
28.2
4.27
3
144
0
38
83
true
Reduce
Cut high-beta by 2-3%, add cash
2
-2
BrokerD
MKT
95
Drift>tolerance
Reduce
Allocation drift beyond policy bands
16
-6
123
3
false
Increase defensive factor exposure
P4462
Hands-off
Roth
USD
2025-08-13
374,084
31,680
342,404
1
62
24.1
5.1
8.8
IEF:26.2%;AAPL:21.5%;MUB:26.2%;AMZN:26.1%
US:78.5;EU:7.7;APAC:5.7;EM:5.5;Other:2.6
Value:-0.3;Growth:+0.7;Quality:-0.4;Size:+0.9;Momentum:+0.1;LowVol:-0.5
MaxPos7%;NoDerivatives
5
30
5.7
trailing 8%
117
18
Volatile
24.8
3.57
3.1
111
48
78
76
true
Hedge
Buy index puts 1% notional
9
4
BrokerA
VWAP
94
Drift>tolerance
Hedge
Allocation drift beyond policy bands
30
12
111
3
false
Tighten stops on momentum names
P4463
Hands-off
Roth
USD
2025-05-25
231,970
11,693
220,277
1
62.9
28.2
0
8.9
BND:20.4%;GLD:8.6%;HYG:21.3%;VOO:9.9%;TLT:21.3%;VTI:18.5%
US:70.2;EU:13.7;APAC:7.9;EM:3.8;Other:4.4
Value:-0.0;Growth:-0.9;Quality:-0.1;Size:-0.1;Momentum:-0.3;LowVol:-0.4
ESGOnly
10
30
5.3
hard 10%
145
13.5
Sideways
18.1
3.93
2
130
33
65
44
true
Hedge
Buy index puts 1% notional
35
15
BrokerD
LMT
94
VAR>budget
Hedge
Risk above budget threshold
-20
-47
-5
3
false
Monitor dispersion and breadth
P4464
Hands-off
Roth
USD
2025-10-31
404,854
38,364
366,490
1
68.3
23.3
0.4
7.9
HYG:25.2%;XLF:11.7%;BND:25.2%;TSLA:25.2%;VTI:12.8%
US:76.5;EU:9.6;APAC:6.7;EM:5.9;Other:1.3
Value:-0.7;Growth:-0.9;Quality:+0.7;Size:+0.1;Momentum:-0.7;LowVol:-0.0
MaxPos8%
7
30
5.8
trailing 8%
165
17.4
Sideways
17.8
4.37
3.5
101
20
64
51
false
Hedge
Add TLT +1% as duration hedge
-7
-4
BrokerC
LMT
95
null
null
Normal monitoring
-19
-11
5
4
false
Monitor dispersion and breadth
P4465
Systematic
Roth
USD
2024-11-03
953,019
93,259
859,760
1
68.4
21.2
3.7
6.7
AAPL:27.9%;MUB:23.8%;VOO:20.4%;AMZN:27.9%
US:73.0;EU:9.2;APAC:6.8;EM:6.8;Other:4.2
Value:+0.3;Growth:-0.0;Quality:+1.0;Size:+0.3;Momentum:-0.7;LowVol:0.0
NoDerivatives
10
30
5.5
trailing 8%
155
23.1
Volatile
25.4
4.63
2.3
147
-20
35
70
false
Hedge
Add TLT +1% as duration hedge
25
-11
BrokerD
LMT
85
null
null
Normal monitoring
12
-15
85
4
false
Tax-aware sells next window
P4466
Cautious
Trust
USD
2025-05-04
565,666
72,320
493,346
1
50.3
34.5
1.7
13.5
VNQ:33.3%;GLD:33.3%;AAPL:33.3%
US:65.8;EU:5.9;APAC:14.4;EM:10.7;Other:3.2
Value:+0.7;Growth:-0.6;Quality:+0.9;Size:-0.0;Momentum:-0.1;LowVol:+0.3
NoMargin
6
35
4
trailing 10%
103
18.6
Bull
16.6
4.57
2.9
98
86
95
43
false
Rebalance
Shift +1% to bonds from equity
33
-11
BrokerA
MKT
86
null
null
Normal monitoring
97
-36
104
4
false
Monitor dispersion and breadth
P4467
Opportunistic
IRA
USD
2025-10-25
1,275,657
68,955
1,206,702
1
66.9
13.4
14.7
5.1
MUB:33.3%;TSLA:33.3%;TLT:33.3%
US:63.3;EU:12.7;APAC:12.3;EM:8.7;Other:3.0
Value:-0.0;Growth:+0.6;Quality:+0.9;Size:-0.8;Momentum:+0.3;LowVol:-0.1
NoDerivatives
5
35
4.2
trailing 7%
265
25.4
Bull
12.4
4.61
2.8
92
70
87
42
false
NoAction
Within bands; monitor
31
-13
BrokerA
MKT
0
null
null
Normal monitoring
48
-21
43
5
false
Tighten stops on momentum names
P4468
Hands-off
Roth
USD
2025-10-29
306,955
26,590
280,365
1
62.9
27.3
0.4
9.4
VTI:37.2%;AAPL:25.5%;MSFT:37.2%
US:61.4;EU:21.9;APAC:9.3;EM:5.3;Other:2.2
Value:-0.1;Growth:-0.8;Quality:+0.5;Size:+0.9;Momentum:-0.1;LowVol:-0.4
null
6
25
5.9
trailing 10%
106
17.6
Bull
11.7
4.27
3.1
118
80
93
40
false
Rebalance
Shift +1% to bonds from equity
-15
11
BrokerB
LMT
93
null
null
Normal monitoring
-56
11
-19
4
false
Tax-aware sells next window
P4469
Active
Roth
USD
2025-05-12
621,256
62,582
558,674
1
60.7
20.4
13.4
5.5
AAPL:15.6%;BND:18.6%;QQQ:26.7%;BRK.B:12.4%;IEF:26.7%
US:68.9;EU:7.5;APAC:14.6;EM:8.3;Other:0.6
Value:-0.4;Growth:+0.7;Quality:-0.9;Size:-0.4;Momentum:-0.1;LowVol:-1.0
null
7
35
4.1
hard 12%
136
19.5
Sideways
18.8
4.09
3.2
104
-4
63
63
false
Sell
Trim extended winner -1%
7
-7
BrokerD
LMT
90
null
null
Normal monitoring
7
-29
-2
4
false
Tax-aware sells next window
P4470
Systematic
401k
USD
2024-10-24
1,548,467
111,198
1,437,269
1
59.2
20.4
13.6
6.7
QQQ:27.0%;VNQ:20.6%;IEF:25.5%;AAPL:27.0%
US:57.4;EU:19.1;APAC:9.6;EM:12.1;Other:1.8
Value:-0.5;Growth:-0.3;Quality:-0.1;Size:-0.0;Momentum:+0.5;LowVol:-0.7
MaxPos5%;NoDerivatives
7
35
5.4
trailing 8%
220
24.7
Volatile
31.2
4.53
2.4
149
55
74
80
true
Reduce
Cut high-beta by 2-3%, add cash
-6
9
BrokerB
LMT
95
VAR>budget
Hedge
Risk above budget threshold
30
-54
128
3
false
Tighten stops on momentum names
P4471
Active
IRA
USD
2024-10-08
1,370,344
159,355
1,210,989
1
60.9
27.3
2.6
9.2
GLD:7.6%;AMZN:21.1%;MSFT:21.1%;TSLA:9.0%;IEF:20.0%;AAPL:21.1%
US:65.9;EU:6.7;APAC:16.1;EM:7.2;Other:4.1
Value:+0.8;Growth:0.0;Quality:-0.5;Size:-0.5;Momentum:-0.1;LowVol:-0.4
MaxPos5%
7
35
5.7
hard 12%
140
19.2
Sideways
19.8
4.35
2.7
137
25
63
46
false
Rebalance
Shift +1% to bonds from equity
-11
-38
BrokerD
MKT
89
null
null
Normal monitoring
-45
-4
-29
5
false
Within IPS guidelines
P4472
Systematic
401k
USD
2025-04-09
596,816
31,912
564,904
1
63
24.9
4.1
7.9
VNQ:21.3%;VTI:9.1%;BND:15.2%;GLD:21.3%;TLT:21.0%;AAPL:12.1%
US:57.7;EU:19.2;APAC:7.7;EM:12.6;Other:2.8
Value:+0.6;Growth:+0.1;Quality:-0.3;Size:+0.7;Momentum:-0.2;LowVol:+0.1
NoDerivatives
5
35
5
hard 12%
207
26.3
Sideways
17.5
3.69
2.6
127
47
71
48
false
Rebalance
Shift +1% to bonds from equity
-2
-40
BrokerD
MKT
94
null
null
Normal monitoring
63
-31
57
5
false
Monitor dispersion and breadth
P4473
Systematic
Taxable
USD
2024-09-14
1,824,549
130,918
1,693,631
1
56.7
26.7
9.9
6.7
QQQ:21.7%;VOO:10.6%;MSFT:17.8%;TLT:17.6%;GLD:10.6%;MUB:21.7%
US:70.8;EU:11.2;APAC:9.7;EM:5.4;Other:2.9
Value:0.0;Growth:-0.2;Quality:+0.7;Size:+0.2;Momentum:+0.2;LowVol:+0.9
MaxPos6%
6
25
5.2
trailing 9%
120
21.3
Sideways
19.7
4.06
2.4
130
-16
39
47
false
Sell
Trim extended winner -1%
-6
7
BrokerB
MKT
97
null
null
Normal monitoring
-37
-55
88
4
false
Tighten stops on momentum names
P4474
Cautious
Taxable
USD
2025-06-25
581,613
92,636
488,977
1
52.4
32.4
0
15.2
GLD:16.9%;MUB:21.1%;XLF:15.0%;VTI:21.1%;TSLA:11.4%;MSFT:14.4%
US:60.1;EU:21.4;APAC:6.2;EM:7.2;Other:5.0
Value:-0.3;Growth:+0.5;Quality:+0.3;Size:-0.3;Momentum:-0.8;LowVol:-0.5
ESGOnly;NoDerivatives;NoMargin
7
25
4.6
trailing 10%
161
12.3
Bull
13.1
3.68
3
114
62
69
27
true
Rebalance
Rebalance back to target bands
25
9
BrokerA
LMT
91
VAR>budget
Hedge
Risk above budget threshold
-57
5
73
2
false
Tax-aware sells next window
P4475
Opportunistic
Roth
USD
2025-02-15
440,661
27,357
413,304
1
71
20.9
0
8.1
VOO:21.3%;VTI:21.3%;XLF:20.7%;VNQ:16.2%;TSLA:20.5%
US:58.7;EU:13.4;APAC:13.2;EM:13.5;Other:1.3
Value:+0.2;Growth:+0.5;Quality:-0.8;Size:-0.5;Momentum:+0.5;LowVol:-0.2
NoDerivatives
6
30
4.6
hard 12%
180
26.5
Volatile
31.1
3.91
3.4
114
-25
51
82
true
Hedge
Buy index puts 1% notional
9
2
BrokerB
LMT
92
Drift>tolerance
Reduce
Allocation drift beyond policy bands
-39
-4
55
2
false
Tighten stops on momentum names
P4476
Hands-off
401k
USD
2024-11-11
453,361
39,595
413,766
1
62.6
20.2
7.5
9.7
BND:9.9%;VOO:14.1%;MSFT:20.1%;IEF:11.8%;VTI:22.0%;TSLA:22.0%
US:62.8;EU:18.0;APAC:8.8;EM:9.9;Other:0.6
Value:+0.9;Growth:+0.7;Quality:+0.6;Size:-0.9;Momentum:-0.6;LowVol:-0.7
null
8
25
5.6
trailing 8%
124
17.7
Volatile
31.8
3.87
2.8
147
33
65
74
true
Rebalance
Rebalance back to target bands
13
-13
BrokerD
MKT
100
RegimeShift
Reduce
Volatility spike and breadth deterioration
44
-52
80
3
false
Tighten stops on momentum names
P4477
Systematic
Trust
USD
2025-02-11
917,622
89,235
828,387
1
57.9
33.5
0
8.6
VOO:33.3%;TLT:33.3%;TSLA:33.3%
US:59.2;EU:20.8;APAC:5.6;EM:9.8;Other:4.7
Value:-1.0;Growth:-0.1;Quality:+0.7;Size:-0.7;Momentum:+1.0;LowVol:-0.7
MaxPos6%;NoDerivatives
10
25
5.5
trailing 8%
196
26.8
Bull
13.8
4.17
2.5
97
52
62
45
false
Buy
Add to core equity +1%
-7
-38
BrokerB
MKT
97
null
null
Normal monitoring
-51
-46
51
4
false
Tax-aware sells next window
P4478
Hands-off
401k
USD
2024-10-07
534,382
38,908
495,474
1
64.4
17.6
9
8.9
QQQ:19.7%;AMZN:20.0%;BRK.B:18.4%;AAPL:13.4%;GLD:14.7%;TSLA:13.8%
US:62.8;EU:11.8;APAC:11.7;EM:9.8;Other:3.9
Value:+0.9;Growth:+0.3;Quality:-0.2;Size:-0.3;Momentum:+0.7;LowVol:-0.1
ESGOnly;MaxPos5%;NoDerivatives
6
30
4
trailing 8%
114
19.6
Bull
15.1
4.52
2.8
110
63
72
52
true
Reduce
Cut high-beta by 2-3%, add cash
0
-33
BrokerC
VWAP
88
VAR>budget
Hedge
Risk above budget threshold
20
-46
13
4
false
Monitor dispersion and breadth
P4479
Opportunistic
Trust
USD
2025-05-19
1,691,117
95,382
1,595,735
1
62.6
19.3
10.2
7.9
MSFT:28.2%;VOO:28.2%;AAPL:15.4%;BND:28.2%
US:63.4;EU:17.4;APAC:11.3;EM:3.4;Other:4.5
Value:+0.1;Growth:-1.0;Quality:+0.3;Size:+0.2;Momentum:-0.9;LowVol:+0.6
MaxPos8%
7
25
6.8
hard 12%
250
20.8
Sideways
14.8
4.73
2.7
122
-6
42
47
false
Rebalance
Shift +1% to bonds from equity
14
-15
BrokerB
LMT
91
null
null
Normal monitoring
-36
-51
-15
3
false
Monitor dispersion and breadth
P4480
Systematic
Taxable
USD
2025-08-01
1,638,646
99,489
1,539,157
1
65.8
22.1
3.6
8.4
AMZN:33.3%;IEF:33.3%;MSFT:33.3%
US:58.3;EU:17.5;APAC:13.2;EM:10.4;Other:0.7
Value:-0.8;Growth:-0.3;Quality:+0.8;Size:-0.7;Momentum:-0.3;LowVol:+0.5
MaxPos8%;NoDerivatives
7
30
5.4
trailing 9%
187
19.4
Volatile
29.9
4.57
3.2
175
62
83
70
false
Buy
Add to core equity +1%
34
-23
BrokerB
LMT
85
null
null
Normal monitoring
112
-55
183
5
false
Monitor dispersion and breadth
P4481
Cautious
Trust
USD
2025-11-11
661,334
65,745
595,589
1
47.2
38.4
0
14.4
AAPL:11.6%;VTI:21.2%;QQQ:16.7%;MUB:17.7%;XLF:21.2%;VNQ:11.6%
US:68.6;EU:14.2;APAC:6.0;EM:10.0;Other:1.2
Value:-0.1;Growth:-0.3;Quality:-0.2;Size:-0.6;Momentum:-0.9;LowVol:-0.2
ESGOnly;MaxPos5%;NoMargin
7
25
4.1
trailing 8%
95
18.2
Volatile
22.4
3.94
4
126
-60
5
43
false
Buy
Add to core equity +1%
35
-17
BrokerD
LMT
91
null
null
Normal monitoring
83
11
51
3
false
Increase defensive factor exposure
P4482
Active
Trust
USD
2024-07-29
1,323,767
120,454
1,203,313
1
65.2
29.2
0
5.6
VOO:37.3%;VTI:25.5%;AAPL:37.3%
US:60.0;EU:17.2;APAC:10.9;EM:9.2;Other:2.7
Value:+0.3;Growth:+0.1;Quality:-0.7;Size:0.0;Momentum:-0.4;LowVol:-1.0
MaxPos8%
7
30
4.7
trailing 8%
133
19.1
Volatile
20.8
4.62
2.2
163
23
50
53
false
Sell
Trim extended winner -1%
-13
-3
BrokerB
LMT
96
null
null
Normal monitoring
-40
-39
62
5
false
Tighten stops on momentum names
P4483
Active
IRA
USD
2024-12-25
1,101,381
87,053
1,014,328
1.21
50.1
20.9
23.7
5.3
VTI:35.1%;TSLA:35.1%;VOO:29.8%
US:68.1;EU:10.8;APAC:10.0;EM:5.2;Other:5.8
Value:-0.4;Growth:+0.4;Quality:-0.9;Size:-0.3;Momentum:+0.5;LowVol:+0.5
MaxPos5%;NoDerivatives
6
30
4.8
trailing 8%
149
19.6
Bull
13.6
3.97
2.8
99
63
78
38
true
Reduce
Cut high-beta by 2-3%, add cash
-7
-16
BrokerA
LMT
95
Drift>tolerance
Reduce
Allocation drift beyond policy bands
34
-25
134
3
false
Increase defensive factor exposure
P4484
Active
Taxable
USD
2024-10-08
1,236,797
132,369
1,104,428
1.18
59.5
19.5
11.6
9.4
GLD:33.3%;TSLA:33.3%;QQQ:33.3%
US:74.1;EU:7.4;APAC:9.2;EM:6.5;Other:2.9
Value:+0.4;Growth:-0.1;Quality:+0.5;Size:+1.0;Momentum:+0.9;LowVol:-0.4
NoDerivatives
5
30
5.9
trailing 9%
221
16.1
Sideways
19.2
3.74
2.9
134
-14
54
56
false
Hedge
Add TLT +1% as duration hedge
5
12
BrokerB
LMT
100
null
null
Normal monitoring
64
-46
156
4
false
Increase defensive factor exposure
P4485
Active
401k
USD
2025-08-27
1,161,384
81,891
1,079,493
1
67.2
22.5
2.4
7.9
VTI:21.5%;BND:17.3%;MSFT:21.5%;HYG:21.5%;MUB:18.2%
US:66.3;EU:7.1;APAC:15.5;EM:5.6;Other:5.4
Value:-1.0;Growth:+0.1;Quality:-0.1;Size:-0.1;Momentum:+0.8;LowVol:+0.9
null
7
35
5
trailing 8%
136
18
Bull
17.3
3.57
3.1
72
6
62
48
false
Buy
Add to core equity +1%
35
-37
BrokerB
MKT
98
null
null
Normal monitoring
113
-60
136
3
false
Increase defensive factor exposure
P4486
Opportunistic
Taxable
USD
2025-02-27
805,166
62,093
743,073
1
63.1
12.3
17.7
6.9
VNQ:27.2%;BND:27.2%;TLT:18.3%;AAPL:27.2%
US:59.1;EU:17.4;APAC:8.5;EM:10.1;Other:4.9
Value:+0.1;Growth:+0.6;Quality:+1.0;Size:-0.9;Momentum:0.0;LowVol:+0.9
MaxPos8%;NoDerivatives
6
30
5.7
trailing 9%
251
25.1
Bear
30.6
4.14
2.7
205
-63
5
74
true
Hedge
Buy index puts 1% notional
15
3
BrokerB
MKT
92
VAR>budget
Hedge
Risk above budget threshold
-1
10
35
4
false
Increase defensive factor exposure
P4487
Cautious
IRA
USD
2024-10-29
503,000
73,130
429,870
1
42
39.2
6.4
12.3
GLD:33.3%;MSFT:33.3%;TLT:33.3%
US:75.7;EU:7.9;APAC:6.5;EM:5.3;Other:4.6
Value:+0.6;Growth:+0.5;Quality:+0.3;Size:+0.7;Momentum:-0.7;LowVol:+0.6
ESGOnly;MaxPos7%;NoDerivatives;NoMargin
5
30
3.4
hard 10%
126
15.6
Volatile
30.6
3.91
4.3
166
-28
25
73
true
Hedge
Buy index puts 1% notional
11
-19
BrokerA
MKT
92
Drift>tolerance
Reduce
Allocation drift beyond policy bands
101
-52
238
4
true
Increase defensive factor exposure
P4488
Active
401k
USD
2024-08-26
1,100,928
81,571
1,019,357
1.2
63.8
18.2
9.8
8.1
HYG:11.8%;IEF:22.5%;AMZN:11.4%;XLF:22.6%;GLD:9.0%;MSFT:22.6%
US:53.9;EU:18.5;APAC:15.4;EM:9.5;Other:2.8
Value:-0.5;Growth:+0.1;Quality:-0.5;Size:-0.1;Momentum:-0.1;LowVol:-0.1
MaxPos8%
10
30
5.9
trailing 8%
205
24.7
Sideways
19.6
4.8
3.4
90
36
77
47
false
Rebalance
Shift +1% to bonds from equity
9
10
BrokerD
VWAP
100
null
null
Normal monitoring
-2
-11
38
3
false
Tighten stops on momentum names
P4489
Hands-off
IRA
USD
2025-01-17
454,838
41,042
413,796
1
69
23.8
1.6
5.6
IEF:17.6%;AMZN:16.6%;GLD:14.7%;VTI:16.8%;BRK.B:16.1%;XLF:18.3%
US:69.4;EU:16.1;APAC:9.5;EM:4.4;Other:0.6
Value:-0.1;Growth:-0.8;Quality:+0.3;Size:-0.7;Momentum:+0.5;LowVol:-0.2
MaxPos7%;NoDerivatives
6
35
3.2
trailing 8%
166
18
Sideways
14
4.43
2.8
103
47
73
58
false
Buy
Add to core equity +1%
8
-23
BrokerA
MKT
86
null
null
Normal monitoring
87
-45
153
3
false
Tax-aware sells next window
P4490
Cautious
Trust
USD
2025-04-07
855,927
83,878
772,049
1
49.8
37.6
2.4
10.2
QQQ:14.2%;TLT:26.1%;XLF:29.9%;BND:29.9%
US:73.4;EU:7.3;APAC:7.4;EM:11.4;Other:0.6
Value:+0.7;Growth:+0.8;Quality:-0.3;Size:+0.1;Momentum:-0.6;LowVol:-0.1
MaxPos5%;NoMargin
8
30
3.1
trailing 8%
164
16.5
Bear
22.2
3.33
2.7
134
-60
26
61
false
Rebalance
Shift +1% to bonds from equity
31
-35
BrokerD
VWAP
90
null
null
Normal monitoring
-54
-30
63
4
false
Tighten stops on momentum names
P4491
Opportunistic
401k
USD
2025-01-31
927,088
48,327
878,761
1
72.8
14.5
5.2
7.5
XLF:24.1%;BRK.B:17.3%;MUB:24.1%;QQQ:13.0%;IEF:10.0%;TLT:11.5%
US:62.9;EU:11.8;APAC:14.6;EM:6.6;Other:4.1
Value:-0.8;Growth:+0.8;Quality:-0.9;Size:-0.4;Momentum:+0.9;LowVol:-0.3
null
7
30
4.5
trailing 9%
242
26.3
Bull
14.5
4.19
3
77
96
100
48
false
Rebalance
Shift +1% to bonds from equity
-10
5
BrokerC
LMT
97
null
null
Normal monitoring
56
-30
177
4
false
Tighten stops on momentum names
P4492
Opportunistic
IRA
USD
2024-11-20
1,659,373
85,706
1,573,667
1
74.4
18.6
0.9
6.1
VNQ:23.7%;VTI:25.5%;GLD:25.3%;IEF:25.5%
US:66.1;EU:15.4;APAC:8.1;EM:9.9;Other:0.5
Value:+0.8;Growth:-0.3;Quality:+0.6;Size:+0.4;Momentum:-0.1;LowVol:+0.9
MaxPos6%
10
30
4.4
trailing 9%
256
32.2
Volatile
27.7
5.01
4.3
118
-36
24
73
true
Rebalance
Rebalance back to target bands
20
2
BrokerD
VWAP
93
Drift>tolerance
TightenStops
Allocation drift beyond policy bands
-33
-59
106
4
false
Tax-aware sells next window
P4493
Systematic
IRA
USD
2024-08-30
1,855,630
181,463
1,674,167
1
59.5
25.2
9.8
5.5
AAPL:33.3%;BRK.B:33.3%;GLD:33.3%
US:70.2;EU:9.0;APAC:10.2;EM:8.2;Other:2.5
Value:+0.2;Growth:+0.8;Quality:+0.7;Size:-0.7;Momentum:+0.2;LowVol:+0.4
null
7
30
4.4
hard 12%
165
16
Bear
30.6
4.35
1.9
202
38
56
73
true
Hedge
Buy index puts 1% notional
33
-39
BrokerD
MKT
95
VAR>budget
Pause
Risk above budget threshold
109
20
208
5
false
Monitor dispersion and breadth
P4494
Active
Taxable
USD
2025-05-21
1,988,997
133,586
1,855,411
1
60.8
18.2
12.3
8.6
VOO:13.6%;MUB:21.2%;GLD:13.2%;TLT:21.2%;VNQ:9.5%;BRK.B:21.2%
US:63.4;EU:12.4;APAC:8.1;EM:12.8;Other:3.4
Value:0.0;Growth:-0.0;Quality:+0.8;Size:+0.9;Momentum:-0.9;LowVol:-0.7
MaxPos8%;NoDerivatives
5
25
5.9
trailing 8%
191
26.1
Bull
11.3
4.54
3.4
94
19
61
33
true
Hedge
Buy index puts 1% notional
24
-18
BrokerA
MKT
93
RegimeShift
Reduce
Volatility spike and breadth deterioration
8
-60
-20
3
false
Increase defensive factor exposure
P4495
Systematic
Taxable
USD
2025-05-24
765,008
75,925
689,083
1
67.4
24.5
0
8.2
AMZN:26.3%;IEF:26.3%;VTI:25.9%;BND:21.5%
US:62.2;EU:9.3;APAC:15.5;EM:11.3;Other:1.7
Value:+0.8;Growth:+0.7;Quality:+0.7;Size:-0.6;Momentum:+0.8;LowVol:+0.5
NoDerivatives
8
35
5.3
hard 12%
146
18.3
Bull
17.9
3.85
2.3
90
49
76
57
false
NoAction
Within bands; monitor
10
-19
BrokerC
MKT
0
null
null
Normal monitoring
91
-11
180
4
false
Monitor dispersion and breadth
P4496
Cautious
Trust
USD
2025-05-24
400,941
40,602
360,339
1
39.6
39.1
9
12.3
MUB:21.3%;MSFT:20.5%;VNQ:18.1%;BND:20.8%;VOO:19.3%
US:62.0;EU:12.7;APAC:12.7;EM:9.9;Other:2.7
Value:+0.2;Growth:+0.3;Quality:+0.9;Size:-0.7;Momentum:-0.5;LowVol:+0.9
NoMargin
10
25
3.7
trailing 10%
137
14.6
Bear
28.8
3.57
1.9
163
-100
5
51
false
Rebalance
Shift +1% to bonds from equity
6
-12
BrokerC
LMT
85
null
null
Normal monitoring
88
-51
127
3
false
Within IPS guidelines
P4497
Opportunistic
Trust
USD
2024-09-09
1,393,884
69,029
1,324,855
1
67.3
16
11.1
5.6
VOO:14.8%;HYG:18.3%;VTI:13.5%;IEF:19.8%;TSLA:17.4%;BRK.B:16.2%
US:59.1;EU:16.0;APAC:12.7;EM:11.7;Other:0.5
Value:-0.6;Growth:-0.6;Quality:-0.6;Size:-0.4;Momentum:+1.0;LowVol:+0.7
NoDerivatives
10
30
6.5
hard 12%
180
28.2
Volatile
22.1
4.99
2.8
148
34
80
68
false
Rebalance
Shift +1% to bonds from equity
-3
-5
BrokerD
LMT
97
null
null
Normal monitoring
94
-5
98
3
false
Monitor dispersion and breadth
P4498
Cautious
IRA
USD
2025-09-10
496,385
63,706
432,679
1
43.8
42.7
1.9
11.6
BND:22.8%;XLF:26.7%;TLT:26.7%;AAPL:23.7%
US:64.2;EU:11.0;APAC:13.5;EM:7.5;Other:3.9
Value:-0.7;Growth:+0.5;Quality:-0.7;Size:+0.4;Momentum:-0.9;LowVol:-0.1
ESGOnly;NoMargin
10
30
3.5
trailing 8%
142
19
Bear
24.9
3.8
2
166
-86
8
49
false
Sell
Trim extended winner -1%
2
-20
BrokerA
LMT
98
null
null
Normal monitoring
-37
-24
15
5
false
Tighten stops on momentum names
P4499
Cautious
IRA
USD
2024-07-14
518,989
78,338
440,651
1
43.6
40.4
0
16.1
VNQ:22.1%;AMZN:12.7%;BND:16.4%;HYG:19.7%;TLT:11.3%;QQQ:17.9%
US:65.2;EU:10.6;APAC:8.6;EM:13.1;Other:2.5
Value:+0.1;Growth:-0.4;Quality:-0.1;Size:-0.1;Momentum:-0.8;LowVol:-0.5
MaxPos6%;NoMargin
5
25
5.7
trailing 8%
102
16.3
Volatile
22.7
3.58
2.1
175
42
73
52
false
Buy
Add to core equity +1%
-12
-10
BrokerC
LMT
91
null
null
Normal monitoring
83
20
100
5
false
Tighten stops on momentum names
P4500
Active
401k
USD
2025-08-02
1,185,122
136,493
1,048,629
1.11
60.2
20.2
11.6
8
IEF:33.3%;TLT:33.3%;AMZN:33.3%
US:81.2;EU:6.3;APAC:6.7;EM:4.6;Other:1.2
Value:+0.8;Growth:+1.0;Quality:+0.1;Size:-0.6;Momentum:+0.3;LowVol:+0.5
null
6
25
4.7
hard 12%
132
16.9
Volatile
20.9
4.12
3.1
133
-12
51
65
false
Rebalance
Shift +1% to bonds from equity
21
-35
BrokerA
LMT
85
null
null
Normal monitoring
77
17
144
4
false
Monitor dispersion and breadth