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
P4501
Active
IRA
USD
2024-10-24
2,340,439
151,899
2,188,540
1
62.6
26.5
5.4
5.5
TSLA:15.2%;AAPL:19.8%;QQQ:20.2%;BRK.B:10.8%;VOO:14.5%;BND:19.5%
US:72.2;EU:10.8;APAC:7.8;EM:6.6;Other:2.6
Value:+0.5;Growth:-0.9;Quality:-0.3;Size:-0.8;Momentum:+0.8;LowVol:-0.1
null
6
25
4.3
trailing 9%
229
20
Sideways
18.2
3.8
2.1
97
3
50
47
false
Sell
Trim extended winner -1%
8
-11
BrokerB
LMT
86
null
null
Normal monitoring
87
9
219
3
false
Tighten stops on momentum names
P4502
Systematic
IRA
USD
2024-12-24
712,413
53,536
658,877
1
57.9
31.1
5.9
5.1
GLD:26.0%;QQQ:11.1%;IEF:26.0%;VTI:10.9%;AAPL:26.0%
US:65.6;EU:16.2;APAC:7.7;EM:7.4;Other:3.1
Value:-0.9;Growth:+0.2;Quality:+0.5;Size:-0.6;Momentum:+0.8;LowVol:+0.9
NoDerivatives
10
30
5.2
trailing 8%
131
19.5
Volatile
21.6
5.06
4.4
145
-34
41
47
false
Hedge
Add TLT +1% as duration hedge
-9
12
BrokerD
LMT
95
null
null
Normal monitoring
-24
-23
113
5
false
Increase defensive factor exposure
P4503
Hands-off
IRA
USD
2024-10-03
347,983
33,753
314,230
1
66.6
26.1
0
7.3
TSLA:23.3%;MUB:12.3%;BND:17.9%;VOO:23.3%;MSFT:23.3%
US:63.4;EU:15.2;APAC:9.2;EM:11.0;Other:1.3
Value:-0.4;Growth:+0.4;Quality:-0.9;Size:+0.2;Momentum:-0.7;LowVol:-0.2
MaxPos6%
8
30
3.8
hard 10%
150
15.4
Sideways
19.1
3.55
3.2
112
21
75
48
false
Hedge
Add TLT +1% as duration hedge
19
-32
BrokerA
VWAP
99
null
null
Normal monitoring
54
-35
190
4
false
Within IPS guidelines
P4504
Cautious
Taxable
USD
2024-09-01
657,840
73,872
583,968
1
44.8
40.4
3.5
11.3
IEF:18.4%;QQQ:13.1%;BND:22.8%;TSLA:22.8%;AAPL:22.8%
US:58.3;EU:15.7;APAC:13.7;EM:10.5;Other:1.7
Value:-0.3;Growth:+0.9;Quality:-0.1;Size:+0.4;Momentum:+0.9;LowVol:+0.2
ESGOnly;NoMargin
6
35
5.8
hard 10%
127
18.4
Volatile
24.1
4.62
3.5
130
58
87
56
false
NoAction
Within bands; monitor
28
-24
BrokerC
MKT
0
null
null
Normal monitoring
51
-34
129
4
false
Tighten stops on momentum names
P4505
Active
Taxable
USD
2025-03-16
2,101,154
174,436
1,926,718
1.21
65.2
26.7
0
8.2
VNQ:25.0%;GLD:25.0%;MSFT:25.0%;MUB:25.0%
US:72.8;EU:6.8;APAC:12.5;EM:3.8;Other:4.1
Value:-0.4;Growth:-0.1;Quality:-0.1;Size:-0.6;Momentum:+0.6;LowVol:-0.8
null
5
25
5.7
hard 12%
123
24.9
Sideways
14.4
3.63
3.5
114
41
74
44
false
Buy
Add to core equity +1%
22
4
BrokerA
LMT
88
null
null
Normal monitoring
38
-44
164
3
false
Monitor dispersion and breadth
P4506
Active
Taxable
USD
2024-08-31
872,094
87,110
784,984
1
51.9
23.3
15.3
9.5
AAPL:16.2%;TLT:27.9%;IEF:27.9%;MUB:27.9%
US:66.3;EU:5.4;APAC:14.6;EM:11.7;Other:1.8
Value:+0.2;Growth:-0.0;Quality:+0.3;Size:-0.2;Momentum:-0.3;LowVol:+0.7
MaxPos6%
5
35
4.2
trailing 8%
150
20.1
Volatile
20.7
4.35
2.7
154
45
86
51
true
Hedge
Buy index puts 1% notional
0
4
BrokerD
MKT
91
Drift>tolerance
TightenStops
Allocation drift beyond policy bands
41
8
47
4
false
Tighten stops on momentum names
P4507
Opportunistic
401k
USD
2025-03-06
782,214
34,192
748,022
1.24
74.6
16.7
3.5
5.2
IEF:25.0%;HYG:25.0%;QQQ:25.0%;VNQ:25.0%
US:74.1;EU:11.6;APAC:8.4;EM:5.2;Other:0.7
Value:+0.1;Growth:+0.9;Quality:-0.6;Size:-0.1;Momentum:-0.4;LowVol:-0.4
NoDerivatives
7
35
5.4
trailing 9%
232
29.5
Volatile
28.2
4.91
4
137
-27
32
90
true
Reduce
Cut high-beta by 2-3%, add cash
30
-2
BrokerD
LMT
98
RegimeShift
Reduce
Volatility spike and breadth deterioration
115
-45
248
5
false
Tighten stops on momentum names
P4508
Opportunistic
Taxable
USD
2025-04-27
917,014
33,168
883,846
1.15
66.3
17.3
7.4
9
TLT:18.2%;AAPL:29.6%;BRK.B:22.6%;VOO:29.6%
US:68.6;EU:6.5;APAC:14.3;EM:6.8;Other:3.8
Value:-0.2;Growth:-0.3;Quality:+0.5;Size:-0.0;Momentum:+0.3;LowVol:+0.3
null
5
25
6.8
trailing 7%
187
22.8
Bull
13.3
4.28
2.8
116
116
100
36
false
Sell
Trim extended winner -1%
8
-32
BrokerD
MKT
96
null
null
Normal monitoring
56
-6
64
3
false
Tax-aware sells next window
P4509
Opportunistic
401k
USD
2025-11-27
1,399,614
75,579
1,324,035
1
69.6
18.9
7.4
4.2
VOO:28.8%;TSLA:16.7%;VTI:28.8%;BRK.B:25.8%
US:62.6;EU:17.9;APAC:9.6;EM:9.9;Other:0.1
Value:+0.6;Growth:+0.8;Quality:-0.3;Size:-0.1;Momentum:+0.7;LowVol:+0.6
null
10
25
6.5
hard 12%
236
33.9
Bull
12.1
3.79
2.9
109
18
70
45
false
NoAction
Within bands; monitor
35
1
BrokerC
MKT
0
null
null
Normal monitoring
78
-1
69
5
false
Monitor dispersion and breadth
P4510
Hands-off
Roth
USD
2025-08-14
706,107
68,971
637,136
1
59.9
16.2
18.2
5.6
TSLA:13.3%;GLD:20.8%;AAPL:11.5%;XLF:19.9%;VOO:17.3%;VTI:17.2%
US:64.2;EU:18.5;APAC:7.5;EM:7.0;Other:2.8
Value:-0.8;Growth:-0.6;Quality:-0.4;Size:-0.2;Momentum:+0.4;LowVol:-0.1
null
7
30
3.5
trailing 8%
95
12.5
Sideways
19.8
4.13
3.5
108
5
59
58
false
Rebalance
Shift +1% to bonds from equity
4
4
BrokerB
MKT
87
null
null
Normal monitoring
31
7
139
3
false
Monitor dispersion and breadth
P4511
Hands-off
Roth
USD
2025-05-29
579,218
27,539
551,679
1
66.9
22.8
3.2
7.1
AAPL:33.3%;VOO:33.3%;AMZN:33.3%
US:71.8;EU:10.6;APAC:9.3;EM:4.2;Other:4.1
Value:-0.1;Growth:0.0;Quality:-0.4;Size:0.0;Momentum:-0.9;LowVol:+0.8
ESGOnly;MaxPos7%
6
25
4.6
trailing 10%
166
13.4
Volatile
21.8
4
2.5
163
58
66
57
true
Hedge
Buy index puts 1% notional
26
-1
BrokerD
VWAP
97
VAR>budget
Hedge
Risk above budget threshold
-22
-46
47
2
false
Tighten stops on momentum names
P4512
Systematic
401k
USD
2025-09-08
1,390,650
122,843
1,267,807
1
57.3
28.1
6.8
7.7
AAPL:28.2%;GLD:28.2%;VTI:23.7%;TLT:20.0%
US:64.3;EU:17.8;APAC:10.5;EM:7.3;Other:0.1
Value:0.0;Growth:-0.7;Quality:-0.5;Size:-0.2;Momentum:+0.7;LowVol:-0.5
null
8
30
5
trailing 9%
203
26.7
Sideways
21.3
3.91
3.4
125
0
46
64
false
Buy
Add to core equity +1%
0
-27
BrokerB
MKT
96
null
null
Normal monitoring
-6
-54
66
3
false
Tax-aware sells next window
P4513
Active
Taxable
USD
2025-11-07
2,451,405
269,585
2,181,820
1
61.6
28.9
0
9.5
AAPL:33.7%;AMZN:33.7%;HYG:32.7%
US:63.5;EU:16.8;APAC:10.4;EM:9.0;Other:0.2
Value:-0.4;Growth:-0.4;Quality:+0.3;Size:+0.8;Momentum:+0.1;LowVol:-0.1
MaxPos5%
5
25
4.9
hard 12%
213
21.8
Bull
14.6
4.42
2.2
93
19
64
51
false
Sell
Trim extended winner -1%
-1
-34
BrokerB
LMT
100
null
null
Normal monitoring
-38
-55
94
4
false
Within IPS guidelines
P4514
Opportunistic
Trust
USD
2025-10-22
987,260
31,758
955,502
1
77.6
13
2.7
6.6
IEF:33.3%;XLF:33.3%;VNQ:33.3%
US:70.2;EU:8.3;APAC:10.3;EM:10.3;Other:0.8
Value:-0.9;Growth:+0.7;Quality:+0.1;Size:+0.5;Momentum:+0.1;LowVol:+0.3
MaxPos8%
5
35
4.7
trailing 7%
237
33.4
Volatile
31.8
4.39
4.3
143
43
67
85
true
Rebalance
Rebalance back to target bands
-14
0
BrokerA
MKT
91
RegimeShift
Reduce
Volatility spike and breadth deterioration
119
-45
200
5
false
Within IPS guidelines
P4515
Active
IRA
USD
2024-11-23
1,177,672
111,515
1,066,157
1.25
68.6
18.8
3.9
8.7
VTI:33.3%;BND:33.3%;AAPL:33.3%
US:64.9;EU:13.9;APAC:9.0;EM:9.6;Other:2.7
Value:-0.4;Growth:+0.3;Quality:-0.3;Size:+0.7;Momentum:-0.8;LowVol:-0.6
null
5
35
4.6
hard 12%
205
20.8
Bear
23.5
4.28
2.5
146
-63
24
66
true
Rebalance
Rebalance back to target bands
30
-34
BrokerB
LMT
96
RegimeShift
Hedge
Volatility spike and breadth deterioration
59
-50
172
3
true
Within IPS guidelines
P4516
Hands-off
Taxable
USD
2025-11-27
867,420
54,664
812,756
1
59.1
28.9
6.6
5.4
AMZN:12.1%;MUB:15.7%;GLD:20.3%;HYG:20.3%;IEF:17.6%;AAPL:14.1%
US:71.5;EU:12.9;APAC:7.0;EM:8.4;Other:0.3
Value:+0.4;Growth:+0.4;Quality:+0.1;Size:-1.0;Momentum:+1.0;LowVol:-0.6
ESGOnly
6
30
3.3
trailing 10%
154
19.7
Volatile
23.9
4.67
3.7
148
31
60
67
false
Hedge
Add TLT +1% as duration hedge
-14
-4
BrokerC
MKT
95
null
null
Normal monitoring
65
-43
111
3
false
Increase defensive factor exposure
P4517
Cautious
Roth
USD
2024-10-07
307,900
30,739
277,161
1
42.2
38.3
9.2
10.3
GLD:19.6%;MUB:21.2%;AMZN:16.8%;QQQ:21.2%;BND:21.2%
US:63.6;EU:11.0;APAC:16.6;EM:5.1;Other:3.7
Value:-0.5;Growth:-0.3;Quality:-1.0;Size:+0.2;Momentum:+0.6;LowVol:-0.3
NoDerivatives;NoMargin
6
25
4.3
trailing 8%
117
16.1
Sideways
21.3
4.84
2.1
108
42
56
49
false
Buy
Add to core equity +1%
21
-18
BrokerB
LMT
95
null
null
Normal monitoring
-17
-18
-40
5
false
Within IPS guidelines
P4518
Hands-off
Taxable
USD
2024-08-12
791,818
42,083
749,735
1
58.1
27.2
8.4
6.4
IEF:29.1%;MUB:35.7%;TLT:35.1%
US:66.2;EU:10.4;APAC:8.4;EM:11.7;Other:3.3
Value:-0.1;Growth:+0.2;Quality:-0.9;Size:+0.1;Momentum:+0.5;LowVol:+1.0
ESGOnly;MaxPos6%;NoDerivatives
10
25
3.9
hard 10%
107
14.7
Bull
12.7
4.23
2.1
78
119
100
33
false
Sell
Trim extended winner -1%
-1
-27
BrokerB
VWAP
95
null
null
Normal monitoring
39
-4
141
4
false
Increase defensive factor exposure
P4519
Systematic
401k
USD
2025-11-27
1,306,739
112,514
1,194,225
1
67.6
26.8
0
5.6
BRK.B:33.3%;GLD:33.3%;VTI:33.3%
US:67.2;EU:9.8;APAC:14.2;EM:8.7;Other:0.1
Value:-0.8;Growth:+0.2;Quality:+0.3;Size:+0.9;Momentum:-0.4;LowVol:+0.1
NoDerivatives
6
30
4.1
trailing 8%
131
16.5
Volatile
27.4
3.96
2.7
111
6
55
80
true
Hedge
Buy index puts 1% notional
35
-40
BrokerA
LMT
85
Drift>tolerance
Hedge
Allocation drift beyond policy bands
-43
-44
-53
2
false
Within IPS guidelines
P4520
Active
401k
USD
2025-05-26
978,297
112,958
865,339
1
57.6
31.2
1.2
10
VTI:7.3%;BND:19.2%;XLF:14.6%;VOO:18.3%;MSFT:20.4%;VNQ:20.2%
US:70.4;EU:11.5;APAC:8.5;EM:6.9;Other:2.7
Value:-0.5;Growth:+0.7;Quality:-0.6;Size:-0.3;Momentum:-0.0;LowVol:+0.6
MaxPos5%;NoDerivatives
10
30
5.7
trailing 9%
156
18.2
Sideways
21.8
4.65
2.4
90
-2
42
58
false
Buy
Add to core equity +1%
10
-10
BrokerD
LMT
96
null
null
Normal monitoring
35
-29
18
5
false
Increase defensive factor exposure
P4521
Opportunistic
401k
USD
2025-06-29
1,255,095
87,823
1,167,272
1
69.9
18.8
3.1
8.2
VOO:22.2%;BND:12.1%;VNQ:22.2%;GLD:21.3%;TSLA:22.2%
US:69.6;EU:10.9;APAC:9.6;EM:6.1;Other:3.8
Value:-0.9;Growth:+0.8;Quality:+0.4;Size:+0.7;Momentum:-0.3;LowVol:+0.7
null
8
35
6.5
trailing 9%
169
27.4
Bear
33.9
3.31
2.6
179
-36
29
93
true
Hedge
Buy index puts 1% notional
11
-40
BrokerA
MKT
93
VAR>budget
TightenStops
Risk above budget threshold
41
-36
167
5
false
Tighten stops on momentum names
P4522
Active
Roth
USD
2024-11-12
519,728
38,313
481,415
1
58.4
31.5
3.3
6.8
MUB:18.3%;TLT:20.6%;GLD:20.6%;AMZN:20.6%;MSFT:11.4%;VOO:8.5%
US:69.8;EU:12.2;APAC:8.1;EM:8.5;Other:1.4
Value:-0.2;Growth:+0.7;Quality:+0.4;Size:+0.8;Momentum:-0.2;LowVol:+0.4
null
7
30
4.1
trailing 8%
209
24.8
Bull
12.1
4.38
2.5
97
106
100
47
false
Rebalance
Shift +1% to bonds from equity
28
-21
BrokerB
MKT
97
null
null
Normal monitoring
109
-24
245
5
false
Tighten stops on momentum names
P4523
Active
Taxable
USD
2025-05-10
795,838
93,316
702,522
1
59.1
28.5
3
9.4
QQQ:33.3%;AMZN:33.3%;BRK.B:33.3%
US:68.9;EU:9.9;APAC:8.9;EM:10.2;Other:2.1
Value:+0.2;Growth:-0.9;Quality:-0.3;Size:-1.0;Momentum:+0.3;LowVol:-0.5
null
6
25
4.9
hard 12%
201
27.4
Bear
29.1
4.41
1.7
219
-63
11
79
true
Hedge
Buy index puts 1% notional
9
-12
BrokerA
LMT
93
VAR>budget
Reduce
Risk above budget threshold
119
-44
242
4
false
Tighten stops on momentum names
P4524
Cautious
Taxable
USD
2025-09-11
760,362
107,194
653,168
1
41.5
41
2.2
15.3
TSLA:23.3%;IEF:23.3%;MUB:20.8%;QQQ:9.4%;XLF:23.3%
US:59.2;EU:17.9;APAC:8.3;EM:8.9;Other:5.7
Value:+0.3;Growth:-0.3;Quality:0.0;Size:+0.9;Momentum:-0.4;LowVol:+0.5
MaxPos5%;NoMargin
10
35
3.9
trailing 8%
139
17.2
Bull
13.6
4.65
3.4
104
11
61
26
false
Buy
Add to core equity +1%
17
-10
BrokerC
LMT
98
null
null
Normal monitoring
97
2
64
4
false
Tighten stops on momentum names
P4525
Hands-off
Trust
USD
2025-03-18
178,848
13,995
164,853
1
71
20.4
0
8.6
VNQ:23.2%;HYG:20.9%;AAPL:19.4%;IEF:15.7%;QQQ:20.8%
US:71.7;EU:5.8;APAC:14.4;EM:5.7;Other:2.3
Value:-0.3;Growth:+0.7;Quality:+0.3;Size:+0.3;Momentum:-0.4;LowVol:+0.8
ESGOnly;MaxPos6%
8
30
5.9
trailing 8%
116
18
Bull
15.3
3.94
2.3
109
69
75
44
false
Hedge
Add TLT +1% as duration hedge
-11
-11
BrokerA
MKT
95
null
null
Normal monitoring
-33
-14
68
3
false
Monitor dispersion and breadth
P4526
Hands-off
Trust
USD
2025-06-14
664,705
40,828
623,877
1
74
15
2.8
8.2
BND:26.1%;BRK.B:20.4%;IEF:26.8%;TSLA:26.8%
US:64.2;EU:15.2;APAC:11.0;EM:9.4;Other:0.2
Value:+1.0;Growth:+0.1;Quality:-0.9;Size:-0.5;Momentum:-0.2;LowVol:+0.8
MaxPos6%
7
25
5
trailing 8%
152
17.9
Volatile
24.3
3.61
2.4
148
-14
35
67
false
Buy
Add to core equity +1%
-12
-13
BrokerA
LMT
94
null
null
Normal monitoring
89
13
76
3
false
Tax-aware sells next window
P4527
Active
401k
USD
2025-12-07
801,181
89,197
711,984
1
53.3
22.1
19.3
5.4
AMZN:33.3%;TLT:33.3%;QQQ:33.3%
US:66.2;EU:13.7;APAC:10.1;EM:6.7;Other:3.3
Value:+0.3;Growth:-0.7;Quality:-0.1;Size:-1.0;Momentum:+0.3;LowVol:-0.7
MaxPos7%
8
25
4.6
trailing 8%
171
23.4
Bull
17.7
3.74
3.4
71
29
77
55
false
Buy
Add to core equity +1%
-1
-8
BrokerC
MKT
86
null
null
Normal monitoring
113
-42
146
4
false
Within IPS guidelines
P4528
Opportunistic
IRA
USD
2024-09-04
1,798,809
56,648
1,742,161
1
61.6
21.9
11.5
5
VNQ:33.4%;QQQ:33.2%;GLD:33.4%
US:70.5;EU:10.9;APAC:12.8;EM:5.1;Other:0.7
Value:+0.7;Growth:-0.6;Quality:-0.7;Size:-0.4;Momentum:+0.5;LowVol:+0.3
null
8
35
4.9
trailing 7%
196
27
Volatile
28.2
3.91
2.3
146
25
60
66
false
Rebalance
Shift +1% to bonds from equity
-15
-11
BrokerD
MKT
100
null
null
Normal monitoring
-18
-2
33
4
false
Within IPS guidelines
P4529
Hands-off
IRA
USD
2024-07-16
568,002
52,835
515,167
1
67.8
20.7
3.3
8.2
XLF:23.3%;HYG:14.4%;QQQ:23.3%;TSLA:15.8%;AMZN:23.3%
US:58.6;EU:14.3;APAC:9.5;EM:12.5;Other:5.0
Value:+0.5;Growth:+0.1;Quality:-0.5;Size:+0.7;Momentum:0.0;LowVol:-0.3
null
10
30
3.9
hard 10%
103
12.3
Bull
11.8
4.63
3.4
85
109
100
45
false
Hedge
Add TLT +1% as duration hedge
31
-1
BrokerC
MKT
90
null
null
Normal monitoring
70
-45
131
3
false
Increase defensive factor exposure
P4530
Opportunistic
401k
USD
2025-02-06
567,137
37,876
529,261
1.2
67.3
12.9
14.5
5.3
HYG:33.3%;VNQ:33.3%;MSFT:33.3%
US:67.4;EU:7.7;APAC:8.0;EM:14.4;Other:2.5
Value:+0.9;Growth:+0.1;Quality:+0.3;Size:-0.9;Momentum:+0.1;LowVol:-0.1
NoDerivatives
6
30
5.7
hard 12%
184
24.6
Bear
35
3.47
2
205
-41
26
96
true
Reduce
Cut high-beta by 2-3%, add cash
22
0
BrokerD
VWAP
91
VAR>budget
Hedge
Risk above budget threshold
16
-52
32
3
false
Tax-aware sells next window
P4531
Active
Roth
USD
2024-08-24
1,578,146
141,893
1,436,253
1
56.5
21.9
15
6.6
VOO:15.4%;VNQ:23.8%;TLT:23.8%;BND:13.1%;GLD:23.8%
US:65.0;EU:12.7;APAC:8.7;EM:10.9;Other:2.8
Value:+0.8;Growth:+0.8;Quality:-0.9;Size:-0.5;Momentum:+0.2;LowVol:-0.4
MaxPos7%
8
30
5.8
hard 12%
129
22.3
Sideways
15.2
3.78
2.5
135
13
51
50
false
Rebalance
Shift +1% to bonds from equity
-14
-35
BrokerB
MKT
92
null
null
Normal monitoring
61
-5
41
4
false
Tighten stops on momentum names
P4532
Hands-off
401k
USD
2025-01-14
295,270
22,023
273,247
1
71.4
22.9
0
5.7
QQQ:33.4%;AMZN:33.4%;TLT:33.2%
US:69.7;EU:15.3;APAC:9.0;EM:3.9;Other:2.0
Value:-0.5;Growth:-0.4;Quality:-0.7;Size:+0.3;Momentum:+0.5;LowVol:-0.7
MaxPos5%
10
30
5.5
hard 10%
164
14.4
Sideways
19.4
4.67
2.3
138
5
57
67
false
Rebalance
Shift +1% to bonds from equity
24
-37
BrokerD
LMT
85
null
null
Normal monitoring
-36
-40
-61
5
false
Within IPS guidelines
P4533
Opportunistic
Taxable
USD
2024-08-21
751,839
67,500
684,339
1
64.8
21.8
6.1
7.2
TSLA:33.3%;QQQ:33.3%;BRK.B:33.3%
US:66.9;EU:9.4;APAC:9.1;EM:12.3;Other:2.4
Value:-0.6;Growth:+1.0;Quality:+0.4;Size:+0.8;Momentum:+0.5;LowVol:+0.5
null
6
25
5.6
hard 12%
225
21.8
Volatile
24.9
5.19
2.2
137
-3
39
76
true
Reduce
Cut high-beta by 2-3%, add cash
18
-1
BrokerA
LMT
85
Drift>tolerance
Reduce
Allocation drift beyond policy bands
101
-47
171
5
false
Tighten stops on momentum names
P4534
Cautious
401k
USD
2025-04-01
783,348
99,874
683,474
1
42.1
31.7
14.5
11.8
QQQ:33.3%;AMZN:33.3%;GLD:33.3%
US:78.0;EU:6.8;APAC:9.2;EM:5.2;Other:0.8
Value:+0.9;Growth:-0.2;Quality:-0.5;Size:+0.1;Momentum:+0.2;LowVol:-0.4
ESGOnly;MaxPos5%;NoMargin
7
30
3.1
trailing 8%
96
17.6
Sideways
15.4
4.61
2.3
97
38
84
37
false
Sell
Trim extended winner -1%
35
15
BrokerB
LMT
92
null
null
Normal monitoring
4
-30
58
3
false
Monitor dispersion and breadth
P4535
Systematic
401k
USD
2025-05-24
1,406,013
89,850
1,316,163
1
58.6
34.6
0
6.8
VTI:33.3%;VOO:33.3%;MUB:33.3%
US:73.7;EU:6.1;APAC:7.3;EM:8.8;Other:4.0
Value:+0.6;Growth:+0.4;Quality:+0.2;Size:-0.6;Momentum:-0.1;LowVol:-0.0
NoDerivatives
5
30
6
trailing 8%
128
26.7
Bull
11.5
3.89
3.4
105
50
87
40
false
Rebalance
Shift +1% to bonds from equity
0
14
BrokerA
MKT
95
null
null
Normal monitoring
-20
18
74
5
false
Within IPS guidelines
P4536
Opportunistic
Roth
USD
2024-11-19
1,584,749
75,841
1,508,908
1
63.9
13.4
17.8
4.9
TLT:23.8%;TSLA:21.2%;MUB:16.4%;BND:14.9%;XLF:23.8%
US:67.1;EU:9.4;APAC:11.8;EM:11.4;Other:0.3
Value:-0.7;Growth:-0.4;Quality:+0.6;Size:+0.7;Momentum:-0.5;LowVol:+0.3
MaxPos6%
8
25
6.4
trailing 7%
179
25.9
Bull
11.8
3.99
3.1
113
19
69
47
false
Rebalance
Shift +1% to bonds from equity
-3
-32
BrokerC
MKT
94
null
null
Normal monitoring
-1
14
50
3
false
Tax-aware sells next window
P4537
Cautious
Taxable
USD
2025-06-13
194,951
20,474
174,477
1
53.2
32.8
0
14
IEF:34.1%;TSLA:31.9%;AMZN:34.1%
US:66.5;EU:14.8;APAC:7.1;EM:8.1;Other:3.4
Value:-0.9;Growth:+0.9;Quality:-0.9;Size:-0.6;Momentum:+0.7;LowVol:-0.5
ESGOnly;MaxPos8%;NoMargin
5
25
4.5
trailing 8%
128
16
Sideways
18.6
4.92
2.1
135
44
79
53
false
Sell
Trim extended winner -1%
4
-8
BrokerA
VWAP
87
null
null
Normal monitoring
102
-35
231
3
false
Monitor dispersion and breadth
P4538
Hands-off
401k
USD
2025-07-29
544,133
21,998
522,135
1
71.4
21.6
1.9
5.1
MUB:23.2%;MSFT:10.5%;AMZN:23.2%;TLT:23.2%;XLF:19.9%
US:65.1;EU:20.3;APAC:6.3;EM:3.6;Other:4.6
Value:-0.7;Growth:+0.9;Quality:-0.8;Size:-0.1;Momentum:-0.1;LowVol:-0.8
ESGOnly
8
35
5.4
trailing 8%
128
12.9
Bull
15.5
3.85
2.9
117
8
54
44
false
Sell
Trim extended winner -1%
-8
-8
BrokerA
LMT
100
null
null
Normal monitoring
112
-43
158
5
false
Tighten stops on momentum names
P4539
Active
401k
USD
2025-09-14
1,468,472
142,094
1,326,378
1.14
61.1
29.8
3
6.1
BND:20.0%;MUB:13.0%;GLD:22.3%;XLF:22.3%;VOO:22.3%
US:65.0;EU:16.2;APAC:9.3;EM:4.6;Other:4.9
Value:-0.7;Growth:-0.5;Quality:0.0;Size:-0.5;Momentum:+0.2;LowVol:-0.1
NoDerivatives
7
30
5.6
trailing 9%
133
26.4
Bull
12.5
3.87
2.7
102
17
70
31
false
Rebalance
Shift +1% to bonds from equity
29
-13
BrokerC
MKT
97
null
null
Normal monitoring
-28
-16
-37
4
false
Within IPS guidelines
P4540
Active
IRA
USD
2025-11-24
609,165
51,025
558,140
1
55.1
25.8
13.8
5.3
VTI:23.4%;MSFT:11.1%;AAPL:15.6%;GLD:13.5%;MUB:13.1%;VNQ:23.4%
US:70.1;EU:13.5;APAC:11.1;EM:4.4;Other:0.9
Value:+0.1;Growth:+0.4;Quality:+0.9;Size:-0.0;Momentum:-0.6;LowVol:+0.9
NoDerivatives
10
35
4.8
trailing 8%
230
22.6
Bull
11.4
4.84
3
109
56
73
34
false
Sell
Trim extended winner -1%
-7
11
BrokerA
MKT
100
null
null
Normal monitoring
41
5
74
5
false
Tighten stops on momentum names
P4541
Cautious
401k
USD
2025-05-13
497,255
66,589
430,666
1
39.4
32.4
11.5
16.7
IEF:11.0%;MUB:20.1%;TLT:20.4%;MSFT:20.4%;QQQ:17.9%;XLF:10.2%
US:65.7;EU:15.1;APAC:5.9;EM:9.9;Other:3.5
Value:-0.8;Growth:-0.8;Quality:-0.7;Size:+0.5;Momentum:+0.4;LowVol:+0.6
ESGOnly;NoDerivatives;NoMargin
6
25
5.2
trailing 8%
120
17.2
Bull
15.7
4.82
3.2
73
105
100
34
false
Sell
Trim extended winner -1%
4
-29
BrokerA
LMT
91
null
null
Normal monitoring
99
-38
202
4
false
Tighten stops on momentum names
P4542
Opportunistic
Roth
USD
2024-09-24
864,107
66,847
797,260
1.06
69.2
12.3
11
7.6
AAPL:25.7%;MUB:15.3%;VOO:20.4%;IEF:13.0%;TSLA:25.7%
US:74.0;EU:7.9;APAC:7.9;EM:9.5;Other:0.7
Value:-0.7;Growth:-0.9;Quality:-0.7;Size:+0.9;Momentum:+0.7;LowVol:-0.8
null
7
25
4.1
hard 12%
269
32
Bull
17.1
4.93
2.3
111
110
100
65
false
Buy
Add to core equity +1%
18
-10
BrokerB
VWAP
86
null
null
Normal monitoring
-41
-22
-2
4
false
Monitor dispersion and breadth
P4543
Opportunistic
401k
USD
2025-10-20
318,011
18,811
299,200
1
68.7
14.9
7.9
8.5
MUB:27.8%;TSLA:27.8%;AAPL:16.6%;VNQ:27.8%
US:72.3;EU:9.1;APAC:7.5;EM:10.2;Other:0.9
Value:+0.9;Growth:-0.9;Quality:+0.3;Size:-0.6;Momentum:-0.9;LowVol:-0.6
NoDerivatives
8
25
4.4
trailing 9%
259
23
Sideways
17.5
3.91
2.9
136
-23
33
53
false
Rebalance
Shift +1% to bonds from equity
5
-13
BrokerD
LMT
90
null
null
Normal monitoring
10
-13
95
4
false
Tax-aware sells next window
P4544
Active
Taxable
USD
2024-08-20
1,364,989
96,432
1,268,557
1
58.2
31.1
2.3
8.4
VNQ:23.5%;AAPL:23.5%;QQQ:23.5%;BND:22.0%;MSFT:7.4%
US:65.3;EU:12.2;APAC:11.0;EM:11.5;Other:0.0
Value:-0.4;Growth:+0.6;Quality:-0.3;Size:-0.1;Momentum:+0.5;LowVol:-0.5
null
6
35
5.1
trailing 8%
209
27.3
Sideways
16.4
3.51
3.2
93
39
78
49
false
Buy
Add to core equity +1%
14
-38
BrokerC
MKT
91
null
null
Normal monitoring
-14
19
43
4
false
Tax-aware sells next window
P4545
Cautious
Trust
USD
2025-08-31
828,729
72,391
756,338
1
41.5
30.6
14.3
13.7
HYG:33.3%;MSFT:33.3%;VOO:33.3%
US:72.0;EU:10.3;APAC:8.0;EM:7.6;Other:2.1
Value:+0.4;Growth:-0.0;Quality:-0.6;Size:-0.5;Momentum:+0.1;LowVol:-0.5
ESGOnly;MaxPos6%;NoMargin
7
25
4.4
trailing 10%
139
12.7
Bull
16
4.34
2.6
83
41
70
39
false
Hedge
Add TLT +1% as duration hedge
28
-7
BrokerD
MKT
100
null
null
Normal monitoring
34
-45
50
5
false
Monitor dispersion and breadth
P4546
Hands-off
Roth
USD
2024-10-17
682,855
58,958
623,897
1
64.2
17.3
8.8
9.7
GLD:33.3%;TSLA:33.3%;TLT:33.3%
US:64.5;EU:11.4;APAC:10.7;EM:9.8;Other:3.6
Value:+0.2;Growth:+0.9;Quality:+0.3;Size:-0.8;Momentum:-0.1;LowVol:-0.7
ESGOnly
8
30
5.8
trailing 8%
124
14
Sideways
16.1
4.8
3
133
3
47
49
false
Sell
Trim extended winner -1%
23
5
BrokerC
MKT
89
null
null
Normal monitoring
-27
-1
-47
5
false
Tighten stops on momentum names
P4547
Hands-off
Taxable
USD
2025-04-17
192,697
12,041
180,656
1
65.9
25.5
1
7.5
BND:33.3%;TLT:33.3%;MUB:33.3%
US:66.8;EU:15.9;APAC:9.1;EM:6.8;Other:1.3
Value:+0.1;Growth:-0.0;Quality:-0.6;Size:-0.8;Momentum:0.0;LowVol:+0.3
ESGOnly
6
35
5.5
hard 10%
130
13.3
Bull
16
4.54
3.1
102
7
57
47
false
Rebalance
Shift +1% to bonds from equity
14
-27
BrokerC
VWAP
97
null
null
Normal monitoring
17
16
27
5
false
Tighten stops on momentum names
P4548
Hands-off
Roth
USD
2024-09-28
276,934
19,942
256,992
1
72.5
21.3
0
6.2
XLF:23.8%;AAPL:23.8%;MSFT:10.0%;QQQ:18.7%;HYG:23.8%
US:67.5;EU:8.6;APAC:9.7;EM:12.5;Other:1.7
Value:+0.9;Growth:-0.4;Quality:+0.4;Size:+0.1;Momentum:-1.0;LowVol:+0.5
ESGOnly
5
30
3.2
hard 10%
102
12.9
Volatile
26.5
5.49
3.9
129
55
89
85
true
Hedge
Buy index puts 1% notional
19
10
BrokerB
MKT
96
VAR>budget
Hedge
Risk above budget threshold
80
-24
157
4
false
Within IPS guidelines
P4549
Active
Roth
USD
2025-03-13
2,484,579
271,147
2,213,432
1
66.5
25.8
0.1
7.5
AAPL:35.2%;IEF:29.5%;QQQ:35.2%
US:69.5;EU:12.4;APAC:7.5;EM:10.4;Other:0.2
Value:+0.9;Growth:-0.3;Quality:-0.2;Size:+0.3;Momentum:+0.7;LowVol:-0.1
MaxPos7%
6
30
5.3
trailing 9%
172
17.8
Volatile
20.6
3.66
4.5
161
-57
17
69
false
Rebalance
Shift +1% to bonds from equity
-6
-12
BrokerD
LMT
89
null
null
Normal monitoring
-35
-1
-58
3
false
Within IPS guidelines
P4550
Opportunistic
Trust
USD
2024-12-10
538,137
24,177
513,960
1
72.5
13.6
9.2
4.7
MSFT:33.3%;TSLA:33.3%;VOO:33.3%
US:69.9;EU:12.4;APAC:8.8;EM:7.6;Other:1.2
Value:+0.6;Growth:-0.1;Quality:-0.1;Size:+0.8;Momentum:+0.4;LowVol:+1.0
NoDerivatives
8
35
5.8
trailing 7%
162
31.2
Bull
17.7
4.14
2.1
91
102
95
66
false
Rebalance
Shift +1% to bonds from equity
-13
-20
BrokerB
LMT
85
null
null
Normal monitoring
-58
-56
-60
5
false
Tax-aware sells next window
P4551
Hands-off
Taxable
USD
2025-08-06
639,940
57,906
582,034
1
69.1
25.9
0
4.9
MSFT:15.6%;GLD:14.1%;TSLA:21.6%;QQQ:14.9%;TLT:21.6%;BND:12.3%
US:65.2;EU:7.3;APAC:13.3;EM:10.8;Other:3.4
Value:-0.5;Growth:-0.6;Quality:+0.6;Size:-0.9;Momentum:+1.0;LowVol:-0.2
ESGOnly;MaxPos6%
6
35
5.6
trailing 10%
103
17.7
Bull
13.7
4.56
2.9
84
47
75
48
false
Buy
Add to core equity +1%
35
-29
BrokerB
LMT
94
null
null
Normal monitoring
-47
1
-68
4
false
Increase defensive factor exposure
P4552
Hands-off
401k
USD
2024-12-23
573,156
50,196
522,960
1
61.4
26.1
6
6.5
MUB:13.2%;BRK.B:21.5%;IEF:21.5%;VNQ:13.3%;GLD:13.7%;VTI:16.7%
US:54.7;EU:19.9;APAC:14.6;EM:6.5;Other:4.3
Value:+0.3;Growth:-0.0;Quality:-0.2;Size:-0.3;Momentum:-0.9;LowVol:-0.3
ESGOnly;NoDerivatives
5
35
5.7
trailing 8%
93
14.4
Bull
13.1
3.98
3.3
81
113
100
51
false
NoAction
Within bands; monitor
15
-20
BrokerB
VWAP
98
null
null
Normal monitoring
38
-23
120
5
false
Increase defensive factor exposure
P4553
Opportunistic
Roth
USD
2025-10-21
687,480
50,933
636,547
1
62.3
21.8
8.4
7.5
VOO:26.0%;IEF:11.1%;BRK.B:26.0%;AAPL:20.0%;MSFT:16.9%
US:74.0;EU:8.2;APAC:10.3;EM:6.2;Other:1.3
Value:-0.8;Growth:-0.3;Quality:+0.9;Size:+0.9;Momentum:-0.4;LowVol:+0.3
NoDerivatives
5
25
6.6
trailing 7%
227
20.6
Bull
16.8
4.57
2.8
83
86
84
43
false
Rebalance
Shift +1% to bonds from equity
23
1
BrokerD
VWAP
96
null
null
Normal monitoring
97
-31
235
4
false
Tax-aware sells next window
P4554
Active
Taxable
USD
2025-08-24
1,692,670
188,045
1,504,625
1
59.1
20.3
10.7
9.9
MUB:13.1%;VTI:13.0%;VOO:20.4%;TSLA:20.4%;QQQ:13.6%;GLD:19.5%
US:68.5;EU:6.4;APAC:14.6;EM:8.4;Other:2.1
Value:-0.8;Growth:+0.2;Quality:+0.5;Size:+0.1;Momentum:+0.3;LowVol:+0.1
MaxPos6%
6
30
5
trailing 8%
213
20.1
Bull
11.8
4.75
3.4
120
57
92
31
false
Hedge
Add TLT +1% as duration hedge
26
3
BrokerD
LMT
89
null
null
Normal monitoring
62
-53
186
3
false
Within IPS guidelines
P4555
Cautious
IRA
USD
2025-07-18
440,839
49,019
391,820
1
36
39.9
8
16
VNQ:15.7%;HYG:16.9%;BRK.B:21.7%;TSLA:12.5%;QQQ:21.7%;BND:11.5%
US:68.9;EU:6.2;APAC:13.4;EM:7.5;Other:4.0
Value:+0.7;Growth:-0.1;Quality:-0.7;Size:+0.9;Momentum:-0.5;LowVol:+0.4
NoDerivatives;NoMargin
5
30
3.6
trailing 8%
119
14.5
Volatile
30.4
3.89
3.6
145
-36
38
53
false
Rebalance
Shift +1% to bonds from equity
0
11
BrokerA
MKT
87
null
null
Normal monitoring
50
-52
93
4
false
Increase defensive factor exposure
P4556
Active
401k
USD
2024-07-16
1,723,192
203,016
1,520,176
1.15
58.6
21.2
14.1
6.2
TLT:22.3%;AMZN:22.3%;AAPL:22.3%;IEF:19.1%;VNQ:14.0%
US:57.8;EU:20.3;APAC:8.5;EM:12.7;Other:0.8
Value:-0.4;Growth:-0.4;Quality:-0.7;Size:+0.3;Momentum:-0.2;LowVol:+0.8
NoDerivatives
6
35
4.1
trailing 9%
225
22.2
Volatile
21.2
5.09
3.1
126
-34
24
53
false
Rebalance
Shift +1% to bonds from equity
-5
-20
BrokerB
LMT
96
null
null
Normal monitoring
-25
-22
-59
3
false
Within IPS guidelines
P4557
Cautious
Roth
USD
2025-04-06
806,553
85,908
720,645
1
41.3
37
11.3
10.4
VNQ:29.3%;VOO:29.3%;GLD:23.4%;VTI:17.9%
US:71.8;EU:15.3;APAC:5.6;EM:4.0;Other:3.3
Value:+0.5;Growth:+0.7;Quality:+0.6;Size:+1.0;Momentum:+1.0;LowVol:-0.3
ESGOnly;MaxPos8%;NoMargin
10
25
4.6
hard 10%
128
19.7
Bull
12.8
4.67
3.4
81
48
60
20
false
Sell
Trim extended winner -1%
-8
-12
BrokerC
LMT
97
null
null
Normal monitoring
-27
-42
-36
4
false
Within IPS guidelines
P4558
Systematic
Taxable
USD
2025-12-23
867,270
38,411
828,859
1
56
24.6
12.1
7.3
QQQ:23.2%;AMZN:24.7%;TSLA:26.1%;MUB:26.1%
US:61.0;EU:15.4;APAC:15.8;EM:5.8;Other:1.9
Value:+0.5;Growth:+0.3;Quality:+0.1;Size:+0.8;Momentum:+0.8;LowVol:+0.5
null
8
25
5.3
hard 12%
182
16.8
Volatile
21.3
4.31
3.6
110
-41
38
60
false
Sell
Trim extended winner -1%
0
14
BrokerB
LMT
88
null
null
Normal monitoring
-43
-24
35
5
false
Tighten stops on momentum names
P4559
Active
Roth
USD
2025-12-02
1,871,564
117,156
1,754,408
1
56.5
29.4
6.3
7.8
TSLA:22.2%;GLD:22.2%;TLT:9.3%;AAPL:7.7%;MUB:16.4%;AMZN:22.2%
US:66.8;EU:13.4;APAC:9.4;EM:7.5;Other:2.9
Value:-0.2;Growth:-0.5;Quality:-1.0;Size:+1.0;Momentum:-0.8;LowVol:-0.9
MaxPos6%;NoDerivatives
8
35
5.8
trailing 9%
164
26
Bull
17.6
4.15
3.1
105
66
80
48
false
Buy
Add to core equity +1%
15
-33
BrokerD
LMT
92
null
null
Normal monitoring
112
13
103
5
false
Within IPS guidelines
P4560
Cautious
IRA
USD
2025-10-05
339,508
39,002
300,506
1
38.2
39.4
9.6
12.8
BND:37.6%;HYG:24.7%;MUB:37.6%
US:72.7;EU:13.7;APAC:8.2;EM:4.6;Other:0.8
Value:-0.5;Growth:-0.9;Quality:+0.7;Size:-0.2;Momentum:+0.9;LowVol:+0.1
MaxPos5%;NoMargin
6
35
3.8
hard 10%
160
12.2
Bull
12.4
4.31
2.5
116
54
76
33
false
Buy
Add to core equity +1%
16
-29
BrokerD
MKT
89
null
null
Normal monitoring
86
-18
123
3
false
Within IPS guidelines
P4561
Cautious
Taxable
USD
2025-11-14
388,669
48,070
340,599
1
51.8
34.7
0
13.5
VTI:9.7%;AAPL:22.6%;AMZN:22.8%;MSFT:22.8%;QQQ:22.2%
US:67.6;EU:6.8;APAC:13.5;EM:8.3;Other:3.7
Value:-0.6;Growth:0.0;Quality:-0.1;Size:-0.1;Momentum:+0.1;LowVol:-0.1
ESGOnly;NoDerivatives;NoMargin
10
30
3.8
trailing 8%
106
13.5
Volatile
22.7
4.38
3.6
180
1
48
61
false
Rebalance
Shift +1% to bonds from equity
-10
-20
BrokerB
LMT
88
null
null
Normal monitoring
-3
16
-35
4
false
Tax-aware sells next window
P4562
Cautious
IRA
USD
2024-08-10
632,259
91,743
540,516
1
50.2
33.6
0
16.2
BRK.B:23.9%;TLT:8.3%;TSLA:23.9%;VNQ:20.1%;XLF:23.9%
US:68.9;EU:8.1;APAC:10.4;EM:7.8;Other:4.8
Value:-0.5;Growth:-0.6;Quality:-0.4;Size:-0.2;Momentum:-0.1;LowVol:-0.3
ESGOnly;NoMargin
6
25
4.5
hard 10%
130
19.5
Sideways
15.1
3.6
2.4
107
32
76
40
false
Hedge
Add TLT +1% as duration hedge
-2
-19
BrokerB
LMT
92
null
null
Normal monitoring
78
-23
165
5
false
Monitor dispersion and breadth
P4563
Active
Roth
USD
2025-10-09
1,157,737
78,378
1,079,359
1
55.7
19.1
17.2
8
HYG:33.3%;BND:33.3%;MSFT:33.3%
US:68.6;EU:17.1;APAC:6.5;EM:6.2;Other:1.7
Value:-0.4;Growth:-0.1;Quality:-0.3;Size:+0.3;Momentum:-0.3;LowVol:-0.5
MaxPos6%
8
35
5.6
hard 12%
190
26.1
Bull
13.7
3.88
3.2
120
54
87
41
false
Sell
Trim extended winner -1%
24
12
BrokerA
MKT
86
null
null
Normal monitoring
8
-2
18
4
false
Tax-aware sells next window
P4564
Cautious
Taxable
USD
2025-10-20
214,260
22,378
191,882
1
49.6
35.2
0
15.3
AMZN:16.3%;HYG:19.4%;VOO:14.8%;IEF:14.7%;XLF:14.3%;GLD:20.5%
US:56.4;EU:18.2;APAC:14.9;EM:10.4;Other:0.0
Value:+0.6;Growth:+0.1;Quality:+0.9;Size:+0.2;Momentum:-0.6;LowVol:+0.3
NoMargin
10
35
5.4
trailing 10%
138
12.7
Sideways
18.1
4.89
2.3
131
-24
29
50
true
Rebalance
Rebalance back to target bands
-15
13
BrokerB
LMT
93
RegimeShift
Reduce
Volatility spike and breadth deterioration
-57
-24
-46
4
true
Tax-aware sells next window
P4565
Active
Trust
USD
2024-12-02
1,121,880
113,567
1,008,313
1
68.2
19.4
3.6
8.8
XLF:20.5%;BRK.B:13.6%;MSFT:18.8%;AAPL:8.7%;TLT:20.0%;AMZN:18.5%
US:61.2;EU:15.4;APAC:13.2;EM:10.0;Other:0.2
Value:-0.1;Growth:+0.4;Quality:-0.8;Size:-0.3;Momentum:+0.7;LowVol:+0.9
null
5
25
4
trailing 8%
209
18.7
Bear
25.3
4.43
2.5
155
-24
46
70
false
Buy
Add to core equity +1%
14
-6
BrokerD
MKT
93
null
null
Normal monitoring
-25
-10
47
4
false
Tighten stops on momentum names
P4566
Cautious
Trust
USD
2024-12-08
498,200
78,540
419,660
1
48.4
36.3
4.3
11
XLF:24.3%;QQQ:12.9%;VTI:24.3%;VNQ:14.3%;IEF:24.3%
US:65.2;EU:12.0;APAC:12.1;EM:7.4;Other:3.4
Value:-0.9;Growth:+0.7;Quality:-0.4;Size:-0.6;Momentum:+0.6;LowVol:-0.2
MaxPos5%;NoMargin
8
30
5.3
trailing 10%
158
12.7
Bear
22.7
4
1.4
169
35
58
49
false
Sell
Trim extended winner -1%
1
-32
BrokerD
LMT
96
null
null
Normal monitoring
31
-42
68
3
false
Within IPS guidelines
P4567
Active
Taxable
USD
2025-01-07
1,696,610
149,822
1,546,788
1
57.4
22.1
13.8
6.7
MSFT:33.3%;TLT:33.3%;VTI:33.3%
US:67.0;EU:15.2;APAC:9.5;EM:5.8;Other:2.5
Value:-0.5;Growth:+0.5;Quality:-0.6;Size:-0.4;Momentum:+0.9;LowVol:+0.1
null
6
35
4.7
trailing 8%
222
22.1
Volatile
20.5
4.68
2.4
170
-43
25
55
false
Sell
Trim extended winner -1%
25
13
BrokerA
VWAP
92
null
null
Normal monitoring
-13
-9
58
3
false
Tax-aware sells next window
P4568
Systematic
Roth
USD
2024-08-01
1,291,982
84,085
1,207,897
1
60.6
30.7
0
8.8
HYG:16.2%;AAPL:11.7%;IEF:16.5%;TLT:20.4%;GLD:20.4%;BND:14.9%
US:62.0;EU:15.4;APAC:11.2;EM:10.0;Other:1.4
Value:+0.9;Growth:+0.7;Quality:+0.6;Size:-0.8;Momentum:-0.2;LowVol:+0.6
null
7
25
4.7
trailing 8%
181
17.7
Volatile
29.8
3.89
2.8
140
48
63
77
true
Hedge
Buy index puts 1% notional
1
-14
BrokerB
LMT
89
VAR>budget
Reduce
Risk above budget threshold
26
-28
155
2
false
Increase defensive factor exposure
P4569
Cautious
IRA
USD
2025-05-09
314,060
43,834
270,226
1
37.2
38.1
7.8
16.9
BND:15.7%;MUB:17.6%;MSFT:20.7%;VTI:18.7%;QQQ:7.3%;XLF:20.0%
US:69.8;EU:6.9;APAC:12.7;EM:6.3;Other:4.3
Value:+0.9;Growth:+0.4;Quality:-0.2;Size:-0.5;Momentum:-0.1;LowVol:-0.5
ESGOnly;NoMargin
5
25
3.1
hard 10%
165
19.1
Volatile
28.8
3.65
3.6
166
54
62
49
false
Rebalance
Shift +1% to bonds from equity
-9
-33
BrokerC
VWAP
97
null
null
Normal monitoring
59
13
85
3
false
Monitor dispersion and breadth
P4570
Active
Trust
USD
2025-03-18
2,319,630
154,793
2,164,837
1
57.6
21
14.3
7.1
BND:23.5%;QQQ:25.5%;AAPL:25.5%;HYG:25.5%
US:58.5;EU:17.6;APAC:14.5;EM:6.7;Other:2.7
Value:-0.2;Growth:-0.3;Quality:-0.5;Size:+0.6;Momentum:+0.4;LowVol:-0.7
MaxPos6%
8
25
5.7
trailing 8%
204
26.8
Bull
11.9
4.49
2.7
86
38
54
38
false
NoAction
Within bands; monitor
19
-19
BrokerC
LMT
93
null
null
Normal monitoring
27
-44
156
5
false
Tighten stops on momentum names
P4571
Opportunistic
Trust
USD
2025-03-03
505,066
25,828
479,238
1
62.1
18.5
12.5
6.8
VOO:33.3%;AMZN:33.3%;MUB:33.3%
US:70.6;EU:18.7;APAC:5.8;EM:3.1;Other:1.8
Value:-0.8;Growth:+0.2;Quality:+0.9;Size:+0.4;Momentum:-0.5;LowVol:+0.1
null
8
25
6.3
trailing 7%
237
25.7
Bear
24.6
3.3
1.2
178
-12
33
66
false
Rebalance
Shift +1% to bonds from equity
5
2
BrokerA
MKT
87
null
null
Normal monitoring
50
-5
19
5
false
Within IPS guidelines
P4572
Opportunistic
Trust
USD
2025-07-02
1,506,169
66,125
1,440,044
1
64.7
20.4
6.5
8.5
XLF:12.5%;HYG:21.6%;AMZN:15.3%;TSLA:18.1%;BND:21.6%;MSFT:10.9%
US:57.9;EU:18.1;APAC:13.8;EM:5.9;Other:4.4
Value:+0.5;Growth:-0.6;Quality:-0.9;Size:-0.5;Momentum:+0.7;LowVol:-0.1
null
6
30
7
trailing 7%
177
21.4
Volatile
30.2
3.59
2.9
121
21
61
89
true
Reduce
Cut high-beta by 2-3%, add cash
10
-22
BrokerC
VWAP
94
RegimeShift
Reduce
Volatility spike and breadth deterioration
-53
19
-81
4
false
Tighten stops on momentum names
P4573
Hands-off
Taxable
USD
2025-06-19
169,311
14,044
155,267
1
72.5
19.1
0
8.4
MUB:12.9%;AAPL:23.4%;VOO:17.0%;HYG:13.2%;VNQ:10.2%;XLF:23.4%
US:67.3;EU:13.3;APAC:8.6;EM:9.4;Other:1.3
Value:-0.4;Growth:-0.8;Quality:+1.0;Size:+0.4;Momentum:0.0;LowVol:+0.9
MaxPos6%
10
30
3.5
trailing 8%
167
17.8
Volatile
24.4
3.86
3.2
134
41
75
70
false
NoAction
Within bands; monitor
-4
-37
BrokerB
LMT
94
null
null
Normal monitoring
111
-21
161
5
false
Monitor dispersion and breadth
P4574
Cautious
Roth
USD
2025-05-23
332,874
38,506
294,368
1
47.4
37.1
0
15.5
MUB:25.0%;VOO:20.7%;GLD:27.2%;TSLA:27.2%
US:63.8;EU:13.9;APAC:10.3;EM:8.3;Other:3.7
Value:+0.2;Growth:-0.5;Quality:+0.7;Size:+0.6;Momentum:+0.2;LowVol:-0.1
NoMargin
6
35
3.9
trailing 10%
124
17.4
Bear
33.6
3.6
1.3
211
8
43
79
true
Rebalance
Rebalance back to target bands
9
-6
BrokerB
LMT
88
Drift>tolerance
Reduce
Allocation drift beyond policy bands
-28
-39
0
3
false
Tax-aware sells next window
P4575
Systematic
Taxable
USD
2024-12-11
1,101,953
99,384
1,002,569
1
59.6
24.6
10.4
5.4
MSFT:12.2%;BRK.B:21.2%;VNQ:18.6%;GLD:12.1%;BND:14.6%;AMZN:21.2%
US:56.5;EU:18.9;APAC:13.3;EM:10.9;Other:0.3
Value:-0.0;Growth:-0.1;Quality:-0.4;Size:+0.4;Momentum:+0.4;LowVol:+0.4
null
6
35
5.3
trailing 9%
199
25.6
Bear
30.7
4.16
1.5
192
-114
5
74
true
Hedge
Buy index puts 1% notional
21
-20
BrokerB
LMT
95
Drift>tolerance
Reduce
Allocation drift beyond policy bands
115
-34
204
3
false
Monitor dispersion and breadth
P4576
Hands-off
IRA
USD
2025-07-05
536,485
50,913
485,572
1
58.8
29.7
3
8.5
AMZN:17.2%;VTI:21.6%;VOO:20.6%;BND:18.9%;TLT:21.6%
US:70.5;EU:7.3;APAC:14.6;EM:6.3;Other:1.2
Value:+0.6;Growth:+0.2;Quality:-0.7;Size:-0.1;Momentum:-1.0;LowVol:+0.1
null
7
30
3.1
trailing 8%
102
13
Bear
23.8
3.94
2.8
211
-107
5
56
false
Sell
Trim extended winner -1%
8
-24
BrokerC
MKT
96
null
null
Normal monitoring
92
-13
87
4
false
Within IPS guidelines
P4577
Hands-off
Trust
USD
2024-08-26
765,125
58,734
706,391
1
69.7
15.7
6.5
8.2
BND:29.4%;QQQ:29.4%;HYG:19.8%;AAPL:21.4%
US:68.6;EU:15.3;APAC:6.6;EM:7.3;Other:2.2
Value:+0.5;Growth:+0.9;Quality:+0.2;Size:+0.7;Momentum:+0.7;LowVol:+0.9
MaxPos5%
10
35
5
hard 10%
130
12.1
Bull
14.8
4.4
2.4
108
38
77
59
false
NoAction
Within bands; monitor
21
-34
BrokerA
VWAP
94
null
null
Normal monitoring
14
-23
153
5
false
Within IPS guidelines
P4578
Hands-off
IRA
USD
2025-08-08
579,946
26,676
553,270
1
55.9
17.4
21.3
5.4
IEF:25.0%;MUB:25.0%;VNQ:25.0%;AMZN:25.0%
US:74.5;EU:11.6;APAC:6.7;EM:6.1;Other:1.0
Value:+0.2;Growth:+0.6;Quality:-0.0;Size:-0.6;Momentum:-0.9;LowVol:-0.9
MaxPos6%
6
30
5
trailing 8%
138
14.9
Volatile
29.9
4.81
3.7
131
16
53
82
true
Reduce
Cut high-beta by 2-3%, add cash
-9
-36
BrokerB
VWAP
99
Drift>tolerance
Pause
Allocation drift beyond policy bands
5
5
37
5
false
Tax-aware sells next window
P4579
Hands-off
IRA
USD
2024-10-21
461,765
39,508
422,257
1
67.5
19.4
7
6.2
VTI:13.8%;IEF:20.9%;XLF:13.7%;QQQ:20.9%;VNQ:20.9%;AAPL:9.7%
US:69.5;EU:16.4;APAC:10.4;EM:3.6;Other:0.1
Value:-0.1;Growth:-0.1;Quality:+1.0;Size:+0.6;Momentum:+0.6;LowVol:-0.6
ESGOnly;MaxPos6%
7
25
5.9
trailing 10%
160
16.9
Bull
14.2
3.79
2.6
88
105
100
58
false
Rebalance
Shift +1% to bonds from equity
7
3
BrokerB
LMT
92
null
null
Normal monitoring
28
-50
161
3
false
Monitor dispersion and breadth
P4580
Cautious
IRA
USD
2025-01-08
705,268
86,703
618,565
1
47.8
32.8
9
10.3
AMZN:33.3%;MSFT:33.3%;VTI:33.3%
US:67.8;EU:9.0;APAC:8.9;EM:10.2;Other:4.1
Value:-0.6;Growth:+0.4;Quality:+0.2;Size:-0.7;Momentum:+0.6;LowVol:-0.9
NoMargin
8
30
4.7
trailing 10%
118
14
Volatile
20.9
3.85
3.6
121
65
68
55
true
Rebalance
Rebalance back to target bands
4
7
BrokerA
MKT
93
VAR>budget
Hedge
Risk above budget threshold
58
-49
134
4
false
Increase defensive factor exposure
P4581
Active
IRA
USD
2025-08-26
1,489,925
175,623
1,314,302
1
54.3
23.8
15.9
6
HYG:13.8%;XLF:22.9%;AMZN:22.9%;TSLA:22.9%;MSFT:17.4%
US:60.8;EU:13.1;APAC:11.1;EM:11.1;Other:3.9
Value:-0.3;Growth:+0.5;Quality:-0.5;Size:+0.2;Momentum:+0.2;LowVol:+0.8
null
6
25
4.7
trailing 8%
212
18.6
Bull
11.8
3.65
2.9
98
6
45
30
false
Rebalance
Shift +1% to bonds from equity
25
-26
BrokerC
LMT
85
null
null
Normal monitoring
114
14
115
3
false
Increase defensive factor exposure
P4582
Active
Roth
USD
2025-03-03
777,147
79,439
697,708
1
57.1
18.6
15.8
8.5
QQQ:33.3%;VOO:33.3%;TSLA:33.3%
US:64.0;EU:13.5;APAC:10.3;EM:8.8;Other:3.4
Value:-0.2;Growth:+0.4;Quality:-0.5;Size:+0.4;Momentum:-0.8;LowVol:-0.8
MaxPos7%
10
25
5.7
trailing 9%
149
19.1
Sideways
20.7
4.91
3.3
132
11
44
49
true
Rebalance
Rebalance back to target bands
26
-20
BrokerB
MKT
86
Drift>tolerance
Hedge
Allocation drift beyond policy bands
59
-20
86
4
false
Tighten stops on momentum names
P4583
Active
401k
USD
2025-06-04
1,531,423
157,889
1,373,534
1.13
65.5
28.1
0
6.4
AAPL:34.6%;TLT:30.7%;XLF:34.6%
US:69.7;EU:7.8;APAC:10.0;EM:8.3;Other:4.2
Value:-0.6;Growth:-0.6;Quality:+0.9;Size:-0.5;Momentum:-0.0;LowVol:+0.6
MaxPos6%;NoDerivatives
8
35
5
trailing 9%
168
24.5
Bull
12.6
4.6
2.4
117
28
51
48
false
Rebalance
Shift +1% to bonds from equity
35
-14
BrokerD
MKT
98
null
null
Normal monitoring
38
-5
1
5
false
Tax-aware sells next window
P4584
Opportunistic
Roth
USD
2025-11-20
820,073
49,608
770,465
1
73.7
12.1
10
4.1
TLT:15.2%;BND:20.1%;VTI:20.3%;HYG:16.4%;IEF:7.8%;TSLA:20.3%
US:70.0;EU:8.7;APAC:13.1;EM:7.5;Other:0.7
Value:-0.2;Growth:-0.3;Quality:-0.4;Size:+0.7;Momentum:-0.1;LowVol:+0.8
MaxPos8%
7
35
5.1
trailing 7%
183
25.4
Sideways
15.6
4.99
3.1
92
-2
58
61
false
Buy
Add to core equity +1%
22
-39
BrokerC
LMT
96
null
null
Normal monitoring
-22
-54
107
4
false
Increase defensive factor exposure
P4585
Cautious
Roth
USD
2025-09-05
584,357
72,407
511,950
1
36.6
39.9
9.5
14
BND:23.1%;MUB:18.5%;BRK.B:18.8%;HYG:16.6%;VTI:23.1%
US:64.3;EU:6.4;APAC:13.4;EM:11.6;Other:4.3
Value:-0.2;Growth:+0.5;Quality:+0.3;Size:+0.4;Momentum:+0.8;LowVol:+0.8
ESGOnly;NoDerivatives;NoMargin
5
35
4.9
trailing 8%
165
13
Bear
34.8
3.74
2.4
142
3
42
72
true
Reduce
Cut high-beta by 2-3%, add cash
16
9
BrokerB
LMT
87
VAR>budget
Hedge
Risk above budget threshold
110
-59
220
2
false
Tighten stops on momentum names
P4586
Active
Taxable
USD
2025-09-07
1,881,352
205,886
1,675,466
1
62.8
19
11.3
6.9
BRK.B:23.8%;VNQ:25.4%;GLD:25.4%;MUB:25.4%
US:65.8;EU:16.2;APAC:12.1;EM:3.6;Other:2.3
Value:-0.1;Growth:+0.2;Quality:+0.8;Size:+0.7;Momentum:+0.4;LowVol:+1.0
null
10
35
5.1
hard 12%
204
22.9
Volatile
31
3.58
3.7
159
33
72
87
true
Hedge
Buy index puts 1% notional
-3
-22
BrokerC
LMT
93
VAR>budget
Pause
Risk above budget threshold
-14
-57
106
3
false
Tax-aware sells next window
P4587
Systematic
Roth
USD
2024-11-01
935,730
40,556
895,174
1
61
31.4
0
7.6
GLD:36.7%;TLT:26.6%;AAPL:36.7%
US:61.0;EU:15.8;APAC:10.6;EM:10.9;Other:1.7
Value:+0.5;Growth:-0.4;Quality:-0.2;Size:-0.1;Momentum:+0.1;LowVol:-0.5
null
10
30
4.8
trailing 9%
173
18.6
Volatile
22.4
3.75
3.6
140
38
60
70
false
Rebalance
Shift +1% to bonds from equity
9
8
BrokerC
LMT
92
null
null
Normal monitoring
2
-47
64
5
false
Tax-aware sells next window
P4588
Cautious
Roth
USD
2024-07-04
760,563
71,209
689,354
1
42.7
40.6
0
16.7
GLD:22.2%;VTI:17.3%;MUB:18.5%;BRK.B:19.9%;TSLA:22.2%
US:76.2;EU:5.9;APAC:5.8;EM:10.4;Other:1.6
Value:+0.8;Growth:-0.8;Quality:+0.5;Size:+0.3;Momentum:+0.8;LowVol:+0.1
ESGOnly;MaxPos7%;NoDerivatives;NoMargin
6
35
4.4
trailing 8%
111
14.6
Bull
16.1
4.09
2.9
119
23
70
27
false
Buy
Add to core equity +1%
14
10
BrokerD
MKT
100
null
null
Normal monitoring
83
5
213
4
false
Within IPS guidelines
P4589
Opportunistic
Taxable
USD
2024-11-11
783,558
45,574
737,984
1.17
70
21.8
0.1
8
VNQ:29.4%;AMZN:23.7%;BND:17.6%;VOO:29.4%
US:56.4;EU:14.4;APAC:15.1;EM:9.5;Other:4.5
Value:+0.2;Growth:0.0;Quality:-0.6;Size:+0.3;Momentum:-0.6;LowVol:+0.6
null
5
25
5.6
trailing 9%
246
33.7
Sideways
21.5
3.59
3.2
139
11
70
66
false
Rebalance
Shift +1% to bonds from equity
2
-5
BrokerD
LMT
95
null
null
Normal monitoring
16
-21
-2
4
false
Tighten stops on momentum names
P4590
Cautious
401k
USD
2025-10-04
635,479
82,463
553,016
1
42.4
35.5
7.7
14.5
VOO:25.0%;VTI:25.0%;TSLA:25.0%;MUB:25.0%
US:64.5;EU:12.7;APAC:12.9;EM:4.8;Other:5.1
Value:+0.8;Growth:-0.1;Quality:+0.3;Size:-0.7;Momentum:+0.8;LowVol:-1.0
MaxPos7%;NoDerivatives;NoMargin
8
25
4.1
trailing 8%
144
17.3
Volatile
31.1
4.67
4.2
140
61
76
77
true
Hedge
Buy index puts 1% notional
-3
-31
BrokerD
MKT
88
VAR>budget
Reduce
Risk above budget threshold
-9
4
-6
4
false
Tighten stops on momentum names
P4591
Cautious
IRA
USD
2025-05-14
440,865
43,358
397,507
1
54.4
33.2
0
12.5
XLF:22.3%;GLD:22.3%;TLT:10.6%;QQQ:22.3%;VOO:22.3%
US:59.4;EU:15.7;APAC:8.1;EM:12.0;Other:4.8
Value:-0.6;Growth:-0.9;Quality:+0.1;Size:+0.7;Momentum:-0.2;LowVol:-0.9
ESGOnly;NoMargin
6
35
3.1
hard 10%
140
12.5
Volatile
29.2
3.72
3.3
135
44
85
72
true
Rebalance
Rebalance back to target bands
30
-7
BrokerD
LMT
87
Drift>tolerance
TightenStops
Allocation drift beyond policy bands
14
-5
74
2
false
Tax-aware sells next window
P4592
Opportunistic
Roth
USD
2025-08-07
1,143,284
74,370
1,068,914
1
61.2
11.5
22.6
4.7
VOO:21.5%;BND:29.6%;BRK.B:19.2%;MSFT:29.6%
US:63.7;EU:6.9;APAC:14.8;EM:10.0;Other:4.6
Value:-0.9;Growth:-0.7;Quality:-0.4;Size:-0.9;Momentum:+0.7;LowVol:-0.4
MaxPos6%
10
30
4.3
trailing 7%
162
27.5
Bull
11.9
4.18
3.3
91
72
71
32
false
Buy
Add to core equity +1%
5
-20
BrokerC
MKT
90
null
null
Normal monitoring
4
3
-13
5
false
Monitor dispersion and breadth
P4593
Opportunistic
401k
USD
2025-09-15
1,022,860
78,114
944,746
1
74.3
11.7
5.4
8.5
GLD:16.4%;BND:22.3%;TSLA:22.3%;XLF:21.5%;VNQ:17.5%
US:55.2;EU:14.4;APAC:13.6;EM:12.4;Other:4.4
Value:-0.6;Growth:-0.9;Quality:+0.2;Size:-0.9;Momentum:-0.6;LowVol:-0.7
MaxPos5%
7
35
4.1
trailing 7%
196
22.7
Sideways
20.2
3.61
3
98
25
49
72
false
Buy
Add to core equity +1%
2
-17
BrokerB
MKT
89
null
null
Normal monitoring
59
-39
143
5
false
Within IPS guidelines
P4594
Active
Roth
USD
2025-09-07
695,642
45,219
650,423
1.14
61.8
19.1
9.7
9.4
QQQ:20.1%;IEF:15.5%;MUB:19.1%;VTI:10.6%;MSFT:19.9%;HYG:14.8%
US:73.1;EU:13.4;APAC:6.9;EM:4.1;Other:2.5
Value:-0.4;Growth:-0.6;Quality:-0.1;Size:-0.1;Momentum:-0.8;LowVol:-0.8
MaxPos7%;NoDerivatives
8
30
5.1
hard 12%
151
22.1
Bear
34
3.43
1.6
207
-52
23
84
true
Reduce
Cut high-beta by 2-3%, add cash
21
-40
BrokerD
MKT
86
Drift>tolerance
Reduce
Allocation drift beyond policy bands
73
-40
155
5
false
Within IPS guidelines
P4595
Cautious
Roth
USD
2024-10-19
847,687
91,045
756,642
1
41.9
41.2
6.3
10.7
QQQ:24.0%;XLF:25.3%;HYG:25.3%;TLT:25.3%
US:69.5;EU:9.3;APAC:9.1;EM:10.8;Other:1.4
Value:+0.7;Growth:+0.8;Quality:+0.8;Size:-0.8;Momentum:-0.5;LowVol:+0.2
ESGOnly;MaxPos8%;NoMargin
6
30
3.6
trailing 8%
119
13
Bull
11.6
4.83
2.2
82
50
89
23
false
Rebalance
Shift +1% to bonds from equity
0
-16
BrokerD
MKT
92
null
null
Normal monitoring
-2
-25
-10
5
false
Within IPS guidelines
P4596
Active
Roth
USD
2024-08-28
1,770,164
148,651
1,621,513
1.22
58.7
18.2
16.6
6.5
QQQ:16.9%;BND:24.2%;XLF:24.2%;AMZN:10.4%;VOO:24.2%
US:61.3;EU:12.9;APAC:12.9;EM:9.5;Other:3.5
Value:+0.5;Growth:-0.9;Quality:-0.3;Size:-0.6;Momentum:-0.8;LowVol:-0.3
null
6
35
4.6
hard 12%
141
16.9
Bull
13.9
4.84
3.2
107
76
98
50
false
Buy
Add to core equity +1%
27
-4
BrokerB
LMT
100
null
null
Normal monitoring
98
-14
101
4
false
Within IPS guidelines
P4597
Hands-off
IRA
USD
2024-10-05
557,899
44,022
513,877
1
67.5
16.9
8.7
6.8
AMZN:12.8%;IEF:22.6%;QQQ:22.6%;MSFT:19.4%;VNQ:22.6%
US:71.6;EU:8.9;APAC:11.4;EM:6.1;Other:2.0
Value:-0.4;Growth:-0.3;Quality:+0.9;Size:-0.5;Momentum:-0.5;LowVol:-0.0
ESGOnly
6
35
5.3
trailing 8%
109
15
Bear
30.2
4.42
1.1
189
-107
5
77
true
Hedge
Buy index puts 1% notional
-12
-31
BrokerD
MKT
98
Drift>tolerance
TightenStops
Allocation drift beyond policy bands
115
-28
191
3
false
Monitor dispersion and breadth
P4598
Hands-off
IRA
USD
2025-12-10
782,524
38,573
743,951
1
71.2
21.8
0
7
VTI:19.1%;TLT:27.0%;AAPL:27.0%;MSFT:26.9%
US:68.8;EU:15.2;APAC:9.6;EM:4.2;Other:2.1
Value:+0.3;Growth:-0.7;Quality:-0.3;Size:+0.7;Momentum:+0.3;LowVol:-0.3
ESGOnly
5
30
5
hard 10%
115
13
Sideways
15.9
4.05
2.8
108
2
56
56
false
Buy
Add to core equity +1%
31
-14
BrokerC
MKT
95
null
null
Normal monitoring
92
-8
232
3
false
Within IPS guidelines
P4599
Active
Roth
USD
2025-01-28
2,229,597
168,801
2,060,796
1
59
21.7
11.8
7.5
BRK.B:16.6%;AMZN:11.0%;QQQ:20.5%;VNQ:17.9%;HYG:13.5%;VOO:20.5%
US:72.2;EU:9.5;APAC:10.4;EM:4.0;Other:3.9
Value:+0.7;Growth:-0.5;Quality:+0.3;Size:-0.8;Momentum:-0.2;LowVol:+0.9
MaxPos7%;NoDerivatives
8
25
4.8
trailing 8%
135
21.1
Bull
16.8
4.1
2.8
119
8
66
39
false
Buy
Add to core equity +1%
-7
-22
BrokerC
LMT
98
null
null
Normal monitoring
40
14
27
3
false
Within IPS guidelines
P4600
Opportunistic
Trust
USD
2025-09-10
1,336,129
70,928
1,265,201
1.23
75
21
0
4
TSLA:33.3%;VOO:33.3%;IEF:33.3%
US:69.4;EU:8.7;APAC:14.0;EM:4.7;Other:3.3
Value:-0.7;Growth:+0.9;Quality:+0.7;Size:+0.2;Momentum:+0.6;LowVol:+0.5
MaxPos5%
10
35
6.6
trailing 9%
263
33.7
Bull
12.8
3.8
2.4
96
79
74
40
false
Sell
Trim extended winner -1%
-4
-31
BrokerC
MKT
93
null
null
Normal monitoring
-19
12
13
3
false
Tax-aware sells next window