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
P5101
Systematic
Trust
USD
2024-11-01
923,588
46,126
877,462
1
56.1
27.6
7.6
8.7
AMZN:20.9%;QQQ:18.0%;MSFT:23.2%;XLF:23.2%;BRK.B:14.7%
US:69.3;EU:13.0;APAC:6.6;EM:8.9;Other:2.2
Value:-0.7;Growth:+0.6;Quality:-0.9;Size:+0.7;Momentum:-0.8;LowVol:-0.3
null
5
35
5.5
trailing 8%
167
22.8
Volatile
29
4.55
2.1
122
52
70
81
true
Hedge
Buy index puts 1% notional
16
-36
BrokerD
LMT
94
VAR>budget
Hedge
Risk above budget threshold
55
16
21
3
false
Increase defensive factor exposure
P5102
Hands-off
401k
USD
2025-08-12
369,917
26,616
343,301
1
61.8
25.3
4.8
8.1
MSFT:33.3%;AMZN:33.3%;AAPL:33.3%
US:74.3;EU:7.2;APAC:13.5;EM:4.6;Other:0.4
Value:+0.4;Growth:+0.2;Quality:+0.5;Size:-0.5;Momentum:+1.0;LowVol:-1.0
ESGOnly;NoDerivatives
10
25
3.2
trailing 10%
106
14.4
Sideways
20.3
4.24
2
104
13
49
54
false
Sell
Trim extended winner -1%
10
-16
BrokerA
LMT
98
null
null
Normal monitoring
-54
-13
-15
3
false
Increase defensive factor exposure
P5103
Opportunistic
IRA
USD
2025-02-26
1,466,060
100,262
1,365,798
1.13
60.4
13
19.1
7.5
VTI:35.4%;HYG:29.2%;AMZN:35.4%
US:70.7;EU:13.7;APAC:9.3;EM:3.8;Other:2.5
Value:+0.6;Growth:-0.1;Quality:+0.7;Size:-0.2;Momentum:+0.9;LowVol:+0.4
MaxPos5%
8
30
5.8
trailing 7%
234
31.7
Bear
25.6
3.17
2
179
-101
5
58
false
Hedge
Add TLT +1% as duration hedge
-14
11
BrokerD
MKT
96
null
null
Normal monitoring
7
-58
72
5
false
Within IPS guidelines
P5104
Active
Taxable
USD
2025-06-04
1,820,779
116,498
1,704,281
1
58.8
22.3
10.7
8.2
AMZN:33.3%;VTI:33.3%;VNQ:33.3%
US:68.5;EU:11.9;APAC:8.3;EM:7.7;Other:3.6
Value:+0.7;Growth:-0.5;Quality:+0.2;Size:-0.9;Momentum:+0.8;LowVol:+0.5
null
6
25
5.6
trailing 9%
170
26.9
Bull
17.9
4.02
2.7
90
43
78
60
false
Rebalance
Shift +1% to bonds from equity
-1
-26
BrokerC
MKT
100
null
null
Normal monitoring
3
-25
25
3
false
Tax-aware sells next window
P5105
Active
Taxable
USD
2024-11-08
576,249
66,294
509,955
1
55.7
31.6
3.9
8.8
VOO:33.1%;MSFT:33.4%;HYG:33.4%
US:60.4;EU:17.5;APAC:11.5;EM:8.0;Other:2.6
Value:+0.9;Growth:+0.4;Quality:+0.7;Size:-0.5;Momentum:+0.7;LowVol:+0.9
MaxPos5%
10
25
5.1
trailing 9%
157
17.9
Volatile
30.7
4.67
3.8
177
70
86
71
true
Rebalance
Rebalance back to target bands
12
-40
BrokerB
LMT
98
VAR>budget
Hedge
Risk above budget threshold
3
15
49
2
false
Tax-aware sells next window
P5106
Active
Roth
USD
2025-08-02
863,367
60,049
803,318
1
60.1
24.7
6
9.1
VTI:25.9%;BRK.B:19.2%;HYG:27.4%;AAPL:27.4%
US:74.6;EU:8.9;APAC:10.4;EM:4.6;Other:1.5
Value:+0.3;Growth:+0.4;Quality:+0.3;Size:-0.5;Momentum:-0.4;LowVol:-0.5
MaxPos5%
10
25
4.8
trailing 9%
202
21.6
Bull
17.3
4.45
2.4
109
106
91
45
false
Sell
Trim extended winner -1%
9
3
BrokerA
MKT
91
null
null
Normal monitoring
-2
-28
-39
4
false
Tighten stops on momentum names
P5107
Systematic
Trust
USD
2024-10-13
679,933
43,123
636,810
1
65.3
24.4
3.4
6.9
XLF:15.7%;BRK.B:17.7%;AAPL:20.1%;MSFT:9.8%;IEF:20.6%;TLT:16.0%
US:61.0;EU:13.1;APAC:14.2;EM:8.6;Other:3.1
Value:0.0;Growth:-0.5;Quality:-0.5;Size:-0.8;Momentum:+0.6;LowVol:-0.7
null
6
35
5.9
trailing 9%
195
24.2
Sideways
17.1
4.37
2.1
91
30
51
49
false
Rebalance
Shift +1% to bonds from equity
26
-37
BrokerD
LMT
89
null
null
Normal monitoring
-25
2
99
4
false
Increase defensive factor exposure
P5108
Opportunistic
Roth
USD
2025-07-31
1,611,039
126,030
1,485,009
1.16
65.5
16.4
12.3
5.8
IEF:17.6%;AMZN:13.7%;TLT:22.9%;VOO:22.9%;GLD:22.9%
US:66.1;EU:14.3;APAC:8.9;EM:9.8;Other:0.9
Value:-0.8;Growth:-1.0;Quality:-0.7;Size:-0.6;Momentum:+0.2;LowVol:+0.9
null
7
25
4.9
trailing 7%
221
25.5
Bull
16.5
4.55
3
84
86
92
59
false
Buy
Add to core equity +1%
27
-4
BrokerD
LMT
87
null
null
Normal monitoring
-42
7
68
5
false
Increase defensive factor exposure
P5109
Cautious
401k
USD
2024-10-11
187,684
29,509
158,175
1
49.5
39.8
0
10.7
QQQ:13.7%;VNQ:17.8%;BND:26.9%;MUB:14.7%;TLT:26.9%
US:66.1;EU:10.6;APAC:11.0;EM:8.8;Other:3.5
Value:+0.5;Growth:+0.5;Quality:-0.1;Size:-0.0;Momentum:+0.2;LowVol:-0.2
ESGOnly;NoDerivatives;NoMargin
8
35
5
trailing 8%
96
17.6
Volatile
26.4
5.32
3.8
111
36
71
70
false
Buy
Add to core equity +1%
2
-13
BrokerC
MKT
95
null
null
Normal monitoring
29
-20
80
3
false
Monitor dispersion and breadth
P5110
Opportunistic
401k
USD
2024-09-20
1,395,903
55,113
1,340,790
1
76.4
14.9
0
8.6
VTI:33.3%;TLT:33.3%;GLD:33.3%
US:64.6;EU:10.7;APAC:16.2;EM:7.8;Other:0.8
Value:+0.8;Growth:0.0;Quality:+0.2;Size:+0.3;Momentum:-0.5;LowVol:-0.3
NoDerivatives
7
35
6.8
trailing 7%
228
33.2
Sideways
14.2
3.74
2.2
96
-16
33
60
false
NoAction
Within bands; monitor
9
-34
BrokerD
LMT
98
null
null
Normal monitoring
63
7
148
5
false
Tax-aware sells next window
P5111
Opportunistic
401k
USD
2025-12-22
545,490
19,904
525,586
1
77.5
12.5
5.8
4.2
VTI:22.5%;IEF:22.5%;MUB:22.1%;BND:12.5%;AMZN:12.2%;QQQ:8.1%
US:61.8;EU:16.0;APAC:9.9;EM:9.3;Other:2.9
Value:-0.1;Growth:-0.5;Quality:+1.0;Size:-0.9;Momentum:+0.5;LowVol:+0.8
MaxPos5%;NoDerivatives
6
35
5.9
trailing 9%
225
33.7
Volatile
25.3
4.1
3.6
116
-55
28
79
true
Rebalance
Rebalance back to target bands
30
3
BrokerB
MKT
91
VAR>budget
Reduce
Risk above budget threshold
-59
-50
45
5
false
Tighten stops on momentum names
P5112
Opportunistic
Trust
USD
2025-09-25
400,649
33,566
367,083
1
73
19.2
0
7.8
VTI:14.7%;GLD:22.5%;HYG:17.7%;VNQ:22.5%;AMZN:22.5%
US:65.3;EU:15.7;APAC:13.0;EM:3.4;Other:2.5
Value:+0.5;Growth:+0.3;Quality:0.0;Size:-0.9;Momentum:+0.6;LowVol:+0.6
MaxPos6%
5
30
4.4
hard 12%
207
29.5
Sideways
16.9
4.21
2.3
104
46
85
49
false
Buy
Add to core equity +1%
14
11
BrokerD
MKT
99
null
null
Normal monitoring
56
-58
41
4
false
Tax-aware sells next window
P5113
Cautious
IRA
USD
2025-10-22
151,377
20,354
131,023
1
43
37.7
9.1
10.1
TSLA:19.5%;BND:27.9%;GLD:24.6%;TLT:27.9%
US:65.7;EU:9.5;APAC:10.0;EM:10.5;Other:4.3
Value:-0.3;Growth:+0.8;Quality:+0.7;Size:+0.9;Momentum:-0.7;LowVol:-0.7
ESGOnly;NoMargin
5
35
3.4
trailing 10%
154
14.4
Bear
29.6
3.13
2.3
150
-15
39
61
false
Rebalance
Shift +1% to bonds from equity
-2
10
BrokerA
VWAP
86
null
null
Normal monitoring
-5
-30
122
5
false
Within IPS guidelines
P5114
Systematic
IRA
USD
2025-07-26
972,316
62,667
909,649
1
61.1
27
3.4
8.6
AMZN:23.3%;MUB:18.2%;XLF:15.8%;VTI:19.5%;VOO:23.3%
US:68.2;EU:16.8;APAC:5.4;EM:7.6;Other:2.1
Value:+0.2;Growth:+0.2;Quality:+0.9;Size:+0.2;Momentum:+0.2;LowVol:+0.1
null
5
30
5.3
hard 12%
157
24.8
Sideways
19.5
4.98
2.6
128
55
74
62
false
Rebalance
Shift +1% to bonds from equity
34
-1
BrokerB
MKT
89
null
null
Normal monitoring
120
0
81
5
false
Monitor dispersion and breadth
P5115
Hands-off
Trust
USD
2024-12-23
602,748
56,074
546,674
1
73.5
16.9
0
9.6
VNQ:22.8%;BRK.B:30.7%;AMZN:30.7%;AAPL:15.8%
US:63.4;EU:17.8;APAC:5.8;EM:9.2;Other:3.9
Value:-0.8;Growth:+0.4;Quality:+0.3;Size:-0.2;Momentum:+1.0;LowVol:-0.5
ESGOnly
6
35
3
trailing 8%
153
12.3
Bull
16.6
4.95
2.9
106
10
63
55
false
NoAction
Within bands; monitor
-2
-39
BrokerD
MKT
0
null
null
Normal monitoring
106
0
206
4
false
Monitor dispersion and breadth
P5116
Cautious
Taxable
USD
2025-11-27
389,073
49,887
339,186
1
48
37
0
15
AMZN:30.0%;BND:35.0%;TLT:35.0%
US:71.6;EU:13.1;APAC:10.9;EM:3.4;Other:0.9
Value:-0.8;Growth:+0.9;Quality:+0.8;Size:+0.8;Momentum:+0.5;LowVol:+0.9
NoMargin
7
25
4.7
trailing 8%
147
14.1
Volatile
28.2
3.56
3.3
110
-5
45
74
true
Reduce
Cut high-beta by 2-3%, add cash
21
-19
BrokerD
LMT
86
RegimeShift
Hedge
Volatility spike and breadth deterioration
-41
-14
37
3
false
Increase defensive factor exposure
P5117
Cautious
401k
USD
2025-08-14
693,553
89,949
603,604
1
51.6
31.2
0
17.2
VNQ:21.8%;IEF:27.7%;AAPL:27.7%;HYG:22.9%
US:65.5;EU:10.5;APAC:11.0;EM:10.1;Other:2.8
Value:+0.2;Growth:+0.1;Quality:+0.1;Size:-0.9;Momentum:-0.6;LowVol:+0.6
NoMargin
7
35
4.6
trailing 10%
100
16.7
Bull
15.9
3.75
3.3
86
50
75
48
false
Rebalance
Shift +1% to bonds from equity
7
-27
BrokerC
MKT
92
null
null
Normal monitoring
31
-18
65
3
false
Tighten stops on momentum names
P5118
Cautious
Roth
USD
2025-05-05
690,472
71,849
618,623
1
48.2
37
0
14.8
AMZN:20.9%;AAPL:17.7%;VTI:15.1%;BND:24.6%;TSLA:21.8%
US:69.3;EU:11.0;APAC:9.5;EM:7.5;Other:2.7
Value:+0.8;Growth:+0.1;Quality:+0.2;Size:-1.0;Momentum:-0.3;LowVol:-0.4
ESGOnly;MaxPos5%;NoMargin
7
30
3.7
trailing 8%
170
16.2
Bull
13.3
4.49
2.3
108
53
83
43
false
Sell
Trim extended winner -1%
-2
-32
BrokerA
MKT
91
null
null
Normal monitoring
-18
11
98
5
false
Tax-aware sells next window
P5119
Cautious
Roth
USD
2025-07-31
822,670
115,479
707,191
1
48.8
38
0
13.2
AAPL:33.3%;MSFT:33.3%;XLF:33.3%
US:56.6;EU:21.8;APAC:10.3;EM:6.2;Other:5.0
Value:-0.4;Growth:+1.0;Quality:-0.9;Size:-0.1;Momentum:0.0;LowVol:-0.3
ESGOnly;MaxPos6%;NoMargin
5
30
3.1
trailing 8%
121
19.7
Bull
12.9
3.5
2.7
116
53
69
26
false
Buy
Add to core equity +1%
-7
-8
BrokerC
VWAP
100
null
null
Normal monitoring
88
-13
164
3
false
Within IPS guidelines
P5120
Hands-off
Taxable
USD
2025-10-31
839,716
35,357
804,359
1
63.9
22.6
4.4
9.1
MUB:33.3%;VOO:33.3%;XLF:33.3%
US:68.6;EU:12.4;APAC:5.1;EM:11.7;Other:2.2
Value:-0.1;Growth:-0.7;Quality:-0.2;Size:-0.1;Momentum:-0.3;LowVol:+0.6
null
10
30
4.4
trailing 10%
141
14.8
Bull
12.9
4.7
2.7
73
53
85
52
false
Buy
Add to core equity +1%
-4
-13
BrokerC
MKT
90
null
null
Normal monitoring
89
-1
115
4
false
Monitor dispersion and breadth
P5121
Cautious
Taxable
USD
2024-08-21
171,875
24,194
147,681
1
48.3
35.3
1.8
14.6
QQQ:12.4%;MSFT:8.7%;GLD:17.4%;XLF:20.5%;BRK.B:20.5%;VTI:20.5%
US:68.5;EU:19.4;APAC:7.4;EM:4.3;Other:0.5
Value:+0.1;Growth:+0.8;Quality:+0.7;Size:0.0;Momentum:-0.7;LowVol:+0.6
MaxPos8%;NoMargin
10
25
4.4
trailing 8%
130
19.9
Sideways
19.8
4.94
2.8
125
35
63
38
false
Sell
Trim extended winner -1%
31
14
BrokerA
MKT
86
null
null
Normal monitoring
-59
-41
0
5
false
Increase defensive factor exposure
P5122
Active
IRA
USD
2024-10-24
1,491,918
145,918
1,346,000
1
69.7
23.9
1.4
5
MSFT:20.2%;BND:26.6%;HYG:26.6%;GLD:26.6%
US:62.6;EU:16.4;APAC:6.3;EM:11.6;Other:3.0
Value:+0.3;Growth:+0.9;Quality:+0.7;Size:+0.5;Momentum:-0.4;LowVol:-0.7
null
10
35
4.9
hard 12%
204
27.8
Volatile
27.5
5.16
2.7
165
69
97
82
true
Hedge
Buy index puts 1% notional
-2
-6
BrokerC
VWAP
91
Drift>tolerance
TightenStops
Allocation drift beyond policy bands
-10
-28
91
5
false
Increase defensive factor exposure
P5123
Systematic
Roth
USD
2025-03-03
542,184
42,302
499,882
1
58.5
22.3
9.9
9.3
AMZN:11.9%;XLF:19.3%;MUB:9.6%;VOO:20.2%;TSLA:18.8%;VNQ:20.2%
US:66.7;EU:8.1;APAC:12.9;EM:11.3;Other:1.0
Value:+0.8;Growth:+0.9;Quality:-0.6;Size:-0.2;Momentum:-0.7;LowVol:-0.2
MaxPos5%
6
35
5.9
trailing 8%
210
25.7
Volatile
23.3
4.56
2.2
131
68
73
65
false
NoAction
Within bands; monitor
33
10
BrokerD
VWAP
98
null
null
Normal monitoring
-4
7
78
5
false
Tax-aware sells next window
P5124
Opportunistic
Trust
USD
2025-11-14
920,690
54,455
866,235
1
73.1
21.2
0
5.7
BRK.B:17.5%;VOO:17.8%;MUB:22.6%;HYG:22.6%;QQQ:19.5%
US:64.0;EU:7.7;APAC:14.5;EM:9.7;Other:4.2
Value:+1.0;Growth:+0.6;Quality:-0.4;Size:+0.4;Momentum:-0.8;LowVol:-0.2
null
7
35
4.7
trailing 9%
218
30
Bull
15.6
4.09
2.2
96
8
56
45
false
Rebalance
Shift +1% to bonds from equity
18
-24
BrokerC
LMT
100
null
null
Normal monitoring
71
-16
101
4
false
Tighten stops on momentum names
P5125
Active
Roth
USD
2024-10-27
1,701,044
117,036
1,584,008
1
54.1
30.5
6.2
9.2
TSLA:15.6%;MUB:28.1%;BND:28.1%;VTI:28.1%
US:69.9;EU:9.4;APAC:13.0;EM:4.5;Other:3.3
Value:-0.7;Growth:-0.6;Quality:+1.0;Size:+0.7;Momentum:-0.0;LowVol:-0.8
NoDerivatives
7
30
5.4
trailing 9%
171
21.4
Bear
24.4
4.1
2.9
208
-43
42
63
false
Hedge
Add TLT +1% as duration hedge
24
-12
BrokerD
LMT
85
null
null
Normal monitoring
120
-16
112
5
false
Tax-aware sells next window
P5126
Opportunistic
Trust
USD
2024-07-28
647,270
36,834
610,436
1
73.8
17.7
1.2
7.4
BRK.B:25.3%;MSFT:25.3%;TSLA:12.5%;QQQ:25.3%;TLT:11.7%
US:66.8;EU:8.5;APAC:12.1;EM:12.4;Other:0.1
Value:-0.1;Growth:-0.5;Quality:+0.9;Size:-0.3;Momentum:-0.2;LowVol:-0.4
NoDerivatives
10
30
6.6
trailing 9%
162
27.1
Bull
15.9
3.61
2.6
115
56
86
56
false
Buy
Add to core equity +1%
-7
-26
BrokerC
LMT
96
null
null
Normal monitoring
-58
2
-51
5
false
Tighten stops on momentum names
P5127
Opportunistic
IRA
USD
2025-01-26
680,564
29,399
651,165
1.17
66.6
21.7
6.4
5.3
AAPL:34.8%;TSLA:31.6%;MSFT:33.6%
US:74.2;EU:8.2;APAC:6.7;EM:8.9;Other:2.0
Value:-0.5;Growth:-0.7;Quality:-0.6;Size:+1.0;Momentum:+1.0;LowVol:-0.5
NoDerivatives
5
30
6.8
trailing 7%
273
23.8
Sideways
20.8
3.63
3.4
124
13
49
65
false
Sell
Trim extended winner -1%
-2
3
BrokerA
LMT
91
null
null
Normal monitoring
106
-26
93
3
false
Tax-aware sells next window
P5128
Systematic
IRA
USD
2024-07-12
1,981,625
191,844
1,789,781
1
66.8
28.4
0
4.8
AMZN:21.3%;VOO:11.4%;TSLA:19.4%;MUB:24.0%;XLF:24.0%
US:65.4;EU:17.8;APAC:7.2;EM:5.9;Other:3.7
Value:+0.7;Growth:+0.3;Quality:+0.4;Size:+0.4;Momentum:+0.6;LowVol:+0.7
null
6
25
5.8
trailing 9%
169
16.8
Bull
12.3
4.3
2.5
92
111
100
37
false
Buy
Add to core equity +1%
35
-37
BrokerA
LMT
100
null
null
Normal monitoring
-22
-43
21
5
false
Tighten stops on momentum names
P5129
Active
Roth
USD
2024-08-11
2,142,794
172,373
1,970,421
1
60.9
30.2
0
8.9
TSLA:33.3%;MUB:33.3%;HYG:33.3%
US:59.7;EU:18.6;APAC:9.7;EM:11.0;Other:0.9
Value:+0.8;Growth:+0.9;Quality:-0.8;Size:+0.7;Momentum:+0.3;LowVol:+0.9
null
6
25
4.6
trailing 8%
135
17.6
Bull
15.1
4.04
3
98
7
39
39
false
Rebalance
Shift +1% to bonds from equity
4
-29
BrokerD
LMT
87
null
null
Normal monitoring
4
-37
-6
3
false
Tax-aware sells next window
P5130
Systematic
Trust
USD
2025-07-05
1,341,398
116,183
1,225,215
1
64.9
23.3
6.6
5.3
AMZN:27.1%;BRK.B:18.7%;MSFT:27.1%;HYG:27.1%
US:70.0;EU:8.9;APAC:12.2;EM:8.9;Other:0.0
Value:+1.0;Growth:-0.8;Quality:+0.2;Size:+0.3;Momentum:+0.8;LowVol:+0.6
null
6
35
4.3
trailing 8%
160
19.9
Volatile
28
4.42
4.5
171
60
70
81
true
Hedge
Buy index puts 1% notional
10
13
BrokerC
LMT
88
RegimeShift
Hedge
Volatility spike and breadth deterioration
-13
-46
6
5
false
Tighten stops on momentum names
P5131
Active
Roth
USD
2025-05-30
1,389,367
109,898
1,279,469
1.25
50.4
26.4
17.4
5.9
MSFT:27.4%;IEF:17.9%;XLF:27.2%;BRK.B:27.4%
US:58.4;EU:15.3;APAC:13.6;EM:9.8;Other:2.8
Value:-0.2;Growth:-0.9;Quality:+0.5;Size:-1.0;Momentum:-0.3;LowVol:-0.5
null
5
30
4.6
trailing 8%
141
17.1
Bear
32.5
3.96
2.1
145
37
72
83
true
Hedge
Buy index puts 1% notional
34
4
BrokerD
LMT
93
VAR>budget
Reduce
Risk above budget threshold
57
-37
152
3
false
Monitor dispersion and breadth
P5132
Cautious
401k
USD
2025-03-07
599,110
58,487
540,623
1
49.8
36.4
0
13.9
BND:33.5%;VOO:32.9%;TSLA:33.5%
US:70.0;EU:10.5;APAC:12.8;EM:5.4;Other:1.3
Value:+0.6;Growth:-0.2;Quality:+0.6;Size:+0.9;Momentum:-0.5;LowVol:+0.3
NoMargin
7
30
3.3
trailing 8%
91
18
Sideways
17.2
3.74
2
117
-11
51
38
false
Rebalance
Shift +1% to bonds from equity
16
15
BrokerC
MKT
90
null
null
Normal monitoring
53
-6
62
3
false
Tax-aware sells next window
P5133
Hands-off
IRA
USD
2024-07-25
550,657
53,396
497,261
1
62.3
20
8.1
9.6
VOO:21.5%;MSFT:10.5%;TLT:22.7%;HYG:22.7%;GLD:22.7%
US:63.8;EU:12.3;APAC:8.2;EM:11.4;Other:4.3
Value:+0.7;Growth:+0.5;Quality:-0.0;Size:+0.4;Momentum:-0.9;LowVol:-0.6
ESGOnly;MaxPos6%
8
30
5.3
trailing 10%
170
15.9
Bear
31.9
3.53
1.2
172
-51
21
80
true
Hedge
Buy index puts 1% notional
10
13
BrokerB
MKT
89
VAR>budget
Hedge
Risk above budget threshold
-21
-20
52
3
false
Increase defensive factor exposure
P5134
Hands-off
Roth
USD
2024-08-30
293,973
20,695
273,278
1
69.2
23.8
0
7
TSLA:21.7%;GLD:21.7%;AAPL:18.8%;XLF:16.1%;BND:21.7%
US:67.9;EU:10.8;APAC:11.2;EM:6.6;Other:3.5
Value:-0.1;Growth:-0.1;Quality:+0.9;Size:+0.4;Momentum:-0.8;LowVol:-0.3
ESGOnly;MaxPos5%
10
25
4.2
trailing 10%
94
14.3
Bull
16.3
4.39
2.8
81
42
67
54
false
Sell
Trim extended winner -1%
28
1
BrokerA
VWAP
91
null
null
Normal monitoring
9
-54
-21
3
false
Increase defensive factor exposure
P5135
Hands-off
IRA
USD
2025-11-14
647,294
58,969
588,325
1
68.3
23.9
0
7.8
AAPL:19.5%;XLF:8.1%;AMZN:9.8%;HYG:20.9%;QQQ:20.9%;BRK.B:20.9%
US:70.5;EU:6.6;APAC:13.1;EM:7.5;Other:2.3
Value:-0.5;Growth:-0.6;Quality:-0.3;Size:-0.7;Momentum:-0.3;LowVol:-0.2
NoDerivatives
6
35
5.1
hard 10%
102
19.9
Bull
14.6
3.66
2.9
71
80
76
43
false
Rebalance
Shift +1% to bonds from equity
13
-23
BrokerD
LMT
92
null
null
Normal monitoring
-58
-31
-42
3
false
Monitor dispersion and breadth
P5136
Hands-off
Roth
USD
2024-10-19
701,560
62,017
639,543
1
73.6
17.4
0
9
MSFT:25.0%;GLD:25.0%;TLT:25.0%;VTI:25.0%
US:65.5;EU:8.2;APAC:17.1;EM:7.7;Other:1.5
Value:-0.0;Growth:-0.4;Quality:+0.8;Size:+0.7;Momentum:+1.0;LowVol:+0.1
ESGOnly;NoDerivatives
6
35
3.3
trailing 8%
144
19.6
Volatile
20.7
4.9
4
160
-55
27
56
false
Rebalance
Shift +1% to bonds from equity
-8
-34
BrokerC
LMT
99
null
null
Normal monitoring
59
4
165
4
false
Tighten stops on momentum names
P5137
Hands-off
Roth
USD
2025-09-10
848,441
54,329
794,112
1
70.2
21.8
0
8
VTI:33.3%;TLT:33.3%;GLD:33.3%
US:61.5;EU:19.0;APAC:7.3;EM:7.6;Other:4.6
Value:+0.5;Growth:-0.7;Quality:+0.4;Size:-0.4;Momentum:+0.5;LowVol:-0.8
null
6
30
4.1
hard 10%
150
14.7
Bull
14.4
4.26
2.9
78
105
97
58
false
Buy
Add to core equity +1%
33
15
BrokerD
MKT
97
null
null
Normal monitoring
-60
-10
21
5
false
Monitor dispersion and breadth
P5138
Opportunistic
Trust
USD
2025-06-01
627,932
44,422
583,510
1
70.1
18.4
4.5
7
IEF:20.4%;GLD:18.2%;TSLA:16.2%;AAPL:16.7%;VOO:19.0%;BND:9.4%
US:65.8;EU:15.2;APAC:10.6;EM:4.0;Other:4.4
Value:+1.0;Growth:-0.6;Quality:-0.5;Size:+0.3;Momentum:-0.3;LowVol:+0.2
NoDerivatives
5
35
6.2
trailing 7%
238
30.2
Bull
11.1
4.86
2.5
98
19
58
46
false
Hedge
Add TLT +1% as duration hedge
-9
-2
BrokerD
LMT
89
null
null
Normal monitoring
-6
14
114
5
false
Tax-aware sells next window
P5139
Hands-off
Trust
USD
2025-08-29
187,948
11,471
176,477
1
68.6
20.8
5.6
5
VNQ:23.7%;BRK.B:30.3%;QQQ:30.3%;MUB:15.8%
US:66.5;EU:11.1;APAC:11.5;EM:9.5;Other:1.3
Value:-1.0;Growth:+0.6;Quality:+0.4;Size:-1.0;Momentum:-0.7;LowVol:-0.4
MaxPos6%
8
30
4.9
trailing 10%
108
16.3
Bull
12.4
4.68
2.8
77
91
83
54
false
Rebalance
Shift +1% to bonds from equity
28
-7
BrokerC
LMT
97
null
null
Normal monitoring
-26
-48
-35
3
false
Increase defensive factor exposure
P5140
Hands-off
Taxable
USD
2025-05-17
207,627
16,344
191,283
1
60.2
22.8
11.6
5.4
IEF:23.4%;BND:23.4%;AAPL:13.3%;VTI:16.5%;MUB:23.4%
US:67.4;EU:11.7;APAC:12.7;EM:8.1;Other:0.1
Value:-0.3;Growth:+0.4;Quality:-0.6;Size:0.0;Momentum:+0.5;LowVol:-0.3
null
7
30
4.3
trailing 8%
127
17.5
Sideways
16.2
3.93
2.4
90
42
72
57
false
Sell
Trim extended winner -1%
28
-2
BrokerA
MKT
85
null
null
Normal monitoring
45
-22
132
3
false
Increase defensive factor exposure
P5141
Active
401k
USD
2025-12-20
944,428
72,099
872,329
1.2
60.6
18.3
13.6
7.5
IEF:26.4%;MUB:23.4%;TLT:26.4%;BND:23.8%
US:72.5;EU:7.8;APAC:13.8;EM:4.4;Other:1.4
Value:-0.4;Growth:+0.5;Quality:+0.1;Size:-0.9;Momentum:-0.9;LowVol:+0.8
null
5
25
5.4
trailing 8%
209
27.9
Bull
16.7
4.09
3.3
119
66
70
40
false
Rebalance
Shift +1% to bonds from equity
29
-5
BrokerC
MKT
93
null
null
Normal monitoring
117
-8
178
5
false
Monitor dispersion and breadth
P5142
Opportunistic
Taxable
USD
2025-04-29
1,189,867
42,750
1,147,117
1
73.4
10.6
8.6
7.4
AAPL:19.3%;VNQ:21.2%;QQQ:21.1%;VTI:11.2%;BND:18.3%;VOO:8.8%
US:67.9;EU:13.4;APAC:8.3;EM:7.2;Other:3.2
Value:-1.0;Growth:-0.8;Quality:-0.2;Size:-1.0;Momentum:0.0;LowVol:+0.2
NoDerivatives
6
30
6.1
hard 12%
233
26.2
Bull
16.5
3.67
3.3
118
102
86
65
false
Buy
Add to core equity +1%
-5
-20
BrokerA
MKT
91
null
null
Normal monitoring
105
13
181
5
false
Within IPS guidelines
P5143
Cautious
401k
USD
2025-06-10
512,094
72,638
439,456
1
53
34.2
0
12.8
AMZN:33.3%;QQQ:33.3%;TLT:33.3%
US:67.4;EU:14.9;APAC:6.2;EM:8.1;Other:3.3
Value:-0.7;Growth:+0.2;Quality:-0.7;Size:-0.7;Momentum:0.0;LowVol:-0.2
NoDerivatives;NoMargin
10
30
5
trailing 8%
119
16.2
Bull
16.8
4.42
3.1
90
94
84
53
false
NoAction
Within bands; monitor
-14
-31
BrokerB
MKT
0
null
null
Normal monitoring
105
16
116
3
false
Tax-aware sells next window
P5144
Active
Roth
USD
2025-09-04
1,813,767
175,519
1,638,248
1.06
51.8
20.1
18.3
9.8
XLF:33.3%;IEF:33.3%;BRK.B:33.3%
US:79.2;EU:6.3;APAC:7.8;EM:4.0;Other:2.7
Value:-0.8;Growth:-0.4;Quality:+0.3;Size:+0.8;Momentum:+0.5;LowVol:-0.2
MaxPos8%;NoDerivatives
10
30
5.9
trailing 8%
230
27
Sideways
21.2
4.71
2.5
132
14
60
48
false
Sell
Trim extended winner -1%
5
-39
BrokerD
VWAP
100
null
null
Normal monitoring
15
18
63
3
false
Monitor dispersion and breadth
P5145
Hands-off
Taxable
USD
2024-10-12
696,829
48,105
648,724
1
57.1
25.5
7.5
9.9
HYG:26.6%;TLT:20.1%;TSLA:26.6%;BND:26.6%
US:62.0;EU:16.6;APAC:10.0;EM:10.1;Other:1.3
Value:-0.2;Growth:+0.8;Quality:-0.8;Size:+0.6;Momentum:-0.5;LowVol:-0.8
MaxPos6%
8
35
3.7
trailing 10%
125
12.4
Bull
16.5
3.81
2.9
111
93
95
46
false
Buy
Add to core equity +1%
-7
2
BrokerC
LMT
88
null
null
Normal monitoring
66
-4
99
4
false
Monitor dispersion and breadth
P5146
Cautious
Taxable
USD
2025-06-16
613,025
89,346
523,679
1
40.4
38.7
4
16.9
IEF:23.2%;MSFT:26.1%;AMZN:27.4%;VNQ:23.3%
US:61.4;EU:21.5;APAC:7.7;EM:6.9;Other:2.5
Value:+0.2;Growth:-0.4;Quality:-0.2;Size:0.0;Momentum:-0.6;LowVol:-0.4
ESGOnly;NoMargin
6
30
4.3
hard 10%
123
12.9
Sideways
15.6
4.04
2.7
137
12
49
44
false
Sell
Trim extended winner -1%
31
-37
BrokerD
MKT
92
null
null
Normal monitoring
-8
17
126
4
false
Monitor dispersion and breadth
P5147
Opportunistic
IRA
USD
2025-01-16
1,501,956
125,349
1,376,607
1.25
74
10.3
11
4.7
XLF:11.8%;HYG:24.4%;AAPL:17.1%;BND:22.3%;VOO:24.4%
US:67.3;EU:15.5;APAC:9.5;EM:6.4;Other:1.2
Value:-0.9;Growth:-0.6;Quality:+0.4;Size:-0.6;Momentum:+0.2;LowVol:+0.7
null
5
30
4.5
hard 12%
220
22.7
Bull
14.5
3.59
2.4
78
80
99
44
false
Sell
Trim extended winner -1%
3
-26
BrokerC
LMT
97
null
null
Normal monitoring
-48
-26
-74
3
false
Monitor dispersion and breadth
P5148
Systematic
IRA
USD
2025-03-03
617,244
52,859
564,385
1
62.3
30.6
0
7.2
BND:26.8%;TSLA:26.8%;VOO:19.7%;VTI:26.8%
US:68.6;EU:9.7;APAC:15.1;EM:5.2;Other:1.3
Value:-0.9;Growth:-0.9;Quality:+0.5;Size:-0.8;Momentum:+0.9;LowVol:-0.5
MaxPos8%;NoDerivatives
6
25
5.8
trailing 8%
204
17.1
Volatile
21
3.79
3.3
134
16
56
65
false
Buy
Add to core equity +1%
4
5
BrokerC
MKT
97
null
null
Normal monitoring
50
-37
182
4
false
Monitor dispersion and breadth
P5149
Active
401k
USD
2024-10-16
1,606,327
138,430
1,467,897
1
57
18.5
15.2
9.3
XLF:12.5%;VOO:20.8%;AAPL:24.9%;VTI:22.0%;TSLA:19.9%
US:77.7;EU:5.5;APAC:5.4;EM:7.7;Other:3.7
Value:+0.4;Growth:-0.3;Quality:+0.8;Size:+0.2;Momentum:-0.4;LowVol:-0.2
null
7
30
4.9
trailing 9%
171
25.5
Sideways
16.4
4.49
2.2
123
15
48
52
true
Hedge
Buy index puts 1% notional
-4
-31
BrokerC
MKT
93
Drift>tolerance
Pause
Allocation drift beyond policy bands
-32
-17
56
4
false
Increase defensive factor exposure
P5150
Cautious
Roth
USD
2025-03-01
289,006
35,792
253,214
1
47.7
37.5
0
14.9
VNQ:17.7%;MSFT:20.6%;QQQ:6.9%;BND:16.5%;AAPL:17.9%;IEF:20.6%
US:71.6;EU:6.2;APAC:12.3;EM:7.2;Other:2.6
Value:-0.3;Growth:-0.8;Quality:-0.6;Size:+0.1;Momentum:0.0;LowVol:-0.6
ESGOnly;MaxPos6%;NoMargin
10
35
3.1
hard 10%
114
19.2
Volatile
28.8
4.44
2.9
112
-57
14
63
false
Rebalance
Shift +1% to bonds from equity
-4
-28
BrokerC
VWAP
92
null
null
Normal monitoring
98
7
68
5
false
Tax-aware sells next window
P5151
Opportunistic
Taxable
USD
2025-12-18
435,540
14,605
420,935
1
74.3
11.8
6.9
6.9
MUB:27.0%;QQQ:27.0%;IEF:22.5%;VTI:23.6%
US:70.8;EU:8.6;APAC:10.7;EM:6.9;Other:3.1
Value:-0.8;Growth:+0.9;Quality:+0.1;Size:-0.8;Momentum:+0.7;LowVol:+0.4
null
10
35
6.8
hard 12%
227
32.8
Volatile
22.5
5.07
3.5
152
-24
25
63
true
Hedge
Buy index puts 1% notional
17
10
BrokerA
MKT
100
RegimeShift
TightenStops
Volatility spike and breadth deterioration
-30
-34
46
5
false
Tighten stops on momentum names
P5152
Active
Taxable
USD
2024-10-23
1,188,025
78,057
1,109,968
1
55.3
27.9
7.3
9.5
IEF:21.8%;TLT:10.9%;AAPL:11.1%;BND:12.6%;BRK.B:21.8%;VTI:21.8%
US:71.6;EU:5.9;APAC:8.4;EM:13.1;Other:1.0
Value:+0.1;Growth:-1.0;Quality:+0.6;Size:+0.9;Momentum:+0.2;LowVol:0.0
null
6
35
5.9
hard 12%
175
27.6
Sideways
20.1
4.22
2.2
106
46
69
56
false
Buy
Add to core equity +1%
8
-34
BrokerA
LMT
85
null
null
Normal monitoring
-26
-28
36
4
false
Monitor dispersion and breadth
P5153
Cautious
401k
USD
2025-01-22
214,866
32,761
182,105
1
53.5
29.9
0
16.7
AMZN:22.8%;MSFT:19.1%;GLD:17.2%;TSLA:22.8%;VNQ:9.0%;TLT:9.0%
US:71.6;EU:7.8;APAC:14.8;EM:5.7;Other:0.1
Value:+0.7;Growth:+0.5;Quality:+0.4;Size:-1.0;Momentum:+0.3;LowVol:-0.5
NoMargin
10
35
3.4
hard 10%
170
15.7
Volatile
31.2
4.73
2
150
16
52
81
true
Hedge
Buy index puts 1% notional
19
-31
BrokerC
MKT
97
RegimeShift
Pause
Volatility spike and breadth deterioration
77
10
181
3
false
Tax-aware sells next window
P5154
Active
Roth
USD
2025-09-01
636,294
63,451
572,843
1
53.2
29
12
5.7
BRK.B:10.8%;AMZN:23.5%;VOO:11.3%;AAPL:23.5%;GLD:15.2%;TLT:15.6%
US:63.3;EU:12.8;APAC:10.1;EM:11.1;Other:2.7
Value:+0.3;Growth:+0.8;Quality:-0.8;Size:+0.1;Momentum:+0.1;LowVol:+1.0
null
5
35
5.1
trailing 9%
145
25.2
Volatile
20.9
5.17
3.9
136
-29
29
62
false
NoAction
Within bands; monitor
20
3
BrokerB
MKT
0
null
null
Normal monitoring
68
-54
54
4
false
Monitor dispersion and breadth
P5155
Systematic
Roth
USD
2025-09-15
488,316
30,552
457,764
1
56.2
29
8.5
6.3
IEF:16.6%;TLT:28.1%;VNQ:27.1%;XLF:28.1%
US:70.0;EU:18.7;APAC:6.0;EM:5.0;Other:0.4
Value:-0.9;Growth:-0.7;Quality:-0.7;Size:-0.5;Momentum:-0.5;LowVol:-0.4
MaxPos6%;NoDerivatives
10
35
4.1
trailing 9%
142
23.2
Volatile
24.5
3.85
3.1
143
35
75
70
false
Buy
Add to core equity +1%
17
-21
BrokerC
MKT
95
null
null
Normal monitoring
14
-53
29
3
false
Within IPS guidelines
P5156
Opportunistic
Trust
USD
2024-12-05
962,709
86,171
876,538
1.13
73.4
20.7
0
6
XLF:20.4%;MSFT:29.6%;VTI:20.3%;AMZN:29.6%
US:68.0;EU:12.9;APAC:8.5;EM:5.3;Other:5.3
Value:+0.3;Growth:+0.7;Quality:-0.1;Size:+0.9;Momentum:+0.6;LowVol:+0.2
MaxPos6%
8
25
6.2
trailing 9%
257
25.7
Bull
11.4
4.15
2.1
92
20
66
37
false
NoAction
Within bands; monitor
29
-26
BrokerD
LMT
88
null
null
Normal monitoring
37
-52
21
5
false
Within IPS guidelines
P5157
Cautious
Taxable
USD
2025-09-06
432,118
53,594
378,524
1
48.8
35.2
0
16.1
IEF:11.2%;VNQ:21.7%;BND:23.4%;VTI:20.2%;GLD:23.4%
US:68.6;EU:15.4;APAC:7.9;EM:4.7;Other:3.4
Value:+0.9;Growth:-1.0;Quality:-0.5;Size:+0.7;Momentum:+1.0;LowVol:+0.2
MaxPos7%;NoMargin
8
30
6
trailing 10%
143
16
Volatile
30.2
5.29
3.3
145
55
73
73
true
Reduce
Cut high-beta by 2-3%, add cash
6
-36
BrokerD
MKT
91
Drift>tolerance
TightenStops
Allocation drift beyond policy bands
75
-1
36
3
false
Monitor dispersion and breadth
P5158
Opportunistic
Roth
USD
2025-04-05
1,115,001
96,294
1,018,707
1
75.7
13.5
5.8
5
GLD:25.0%;IEF:25.0%;TSLA:25.0%;BRK.B:25.0%
US:64.6;EU:15.4;APAC:12.2;EM:5.4;Other:2.4
Value:+0.5;Growth:+0.6;Quality:+0.2;Size:+0.7;Momentum:+0.3;LowVol:+0.3
null
5
30
4.2
trailing 7%
203
26.6
Sideways
21.2
4.2
2.6
101
28
75
62
false
NoAction
Within bands; monitor
10
-33
BrokerA
MKT
0
null
null
Normal monitoring
83
-13
139
3
false
Within IPS guidelines
P5159
Hands-off
Roth
USD
2024-11-05
896,769
75,811
820,958
1
71.5
18.9
0.5
9
BRK.B:20.6%;QQQ:21.3%;AAPL:15.4%;GLD:21.3%;IEF:21.3%
US:63.4;EU:15.0;APAC:10.2;EM:7.2;Other:4.1
Value:+0.6;Growth:+0.7;Quality:-0.5;Size:-0.2;Momentum:+0.9;LowVol:+0.8
null
8
25
4.7
trailing 8%
106
15.9
Bull
14
3.77
2.3
76
90
100
57
false
NoAction
Within bands; monitor
3
11
BrokerD
LMT
91
null
null
Normal monitoring
-40
-6
54
3
false
Within IPS guidelines
P5160
Hands-off
Roth
USD
2024-08-29
718,797
35,649
683,148
1
69.1
21.8
0
9.1
HYG:31.0%;TSLA:34.5%;MUB:34.5%
US:73.7;EU:6.8;APAC:9.9;EM:4.8;Other:4.7
Value:-0.4;Growth:-0.1;Quality:-0.3;Size:+0.6;Momentum:-0.5;LowVol:+0.9
ESGOnly
6
35
4.3
trailing 8%
112
12.8
Volatile
28.9
3.93
2.8
152
23
65
85
true
Reduce
Cut high-beta by 2-3%, add cash
-6
14
BrokerD
MKT
88
VAR>budget
Reduce
Risk above budget threshold
42
-34
167
5
false
Within IPS guidelines
P5161
Opportunistic
401k
USD
2025-02-25
993,994
72,247
921,747
1
65.1
20.2
5.9
8.8
TSLA:20.8%;AAPL:26.4%;BRK.B:26.4%;AMZN:26.4%
US:70.4;EU:6.5;APAC:8.5;EM:9.9;Other:4.8
Value:-0.9;Growth:+0.3;Quality:+0.6;Size:+0.7;Momentum:-0.3;LowVol:+0.9
null
10
35
5.3
trailing 9%
164
29
Sideways
21.7
4.09
3.1
92
-8
43
53
false
Hedge
Add TLT +1% as duration hedge
-14
14
BrokerB
LMT
93
null
null
Normal monitoring
-23
-20
-24
5
false
Monitor dispersion and breadth
P5162
Opportunistic
Trust
USD
2025-03-18
818,836
41,518
777,318
1
66
14.5
13.8
5.8
IEF:33.3%;HYG:33.3%;QQQ:33.3%
US:68.4;EU:11.0;APAC:9.0;EM:11.4;Other:0.2
Value:-0.1;Growth:-0.0;Quality:-0.6;Size:+0.4;Momentum:-0.5;LowVol:+0.4
NoDerivatives
5
30
5.7
trailing 7%
237
25
Bull
12.9
4.91
3.4
71
16
57
36
false
Buy
Add to core equity +1%
-11
-18
BrokerD
MKT
89
null
null
Normal monitoring
-12
-34
12
3
false
Tighten stops on momentum names
P5163
Active
IRA
USD
2025-12-21
519,178
34,826
484,352
1
68.3
20.8
2.1
8.8
VNQ:33.3%;IEF:33.3%;TLT:33.3%
US:61.8;EU:7.5;APAC:14.9;EM:12.0;Other:3.8
Value:+0.1;Growth:-0.0;Quality:-0.8;Size:-0.2;Momentum:+0.1;LowVol:-0.9
NoDerivatives
8
35
4.8
trailing 8%
204
21.4
Bull
13.7
4.4
2.9
104
12
45
40
false
Rebalance
Shift +1% to bonds from equity
-6
-13
BrokerA
MKT
85
null
null
Normal monitoring
38
-41
141
3
false
Increase defensive factor exposure
P5164
Cautious
Taxable
USD
2025-03-10
705,982
78,522
627,460
1
40.8
33.4
8.1
17.7
HYG:17.4%;AAPL:19.2%;VNQ:24.5%;BRK.B:24.5%;MSFT:14.3%
US:65.9;EU:5.8;APAC:13.3;EM:11.6;Other:3.4
Value:+0.1;Growth:-0.4;Quality:+0.3;Size:-0.0;Momentum:+0.8;LowVol:+0.8
ESGOnly;MaxPos6%;NoDerivatives;NoMargin
7
25
4
hard 10%
98
18.3
Volatile
25.9
4.5
2.6
161
44
70
57
false
Buy
Add to core equity +1%
-4
-11
BrokerB
VWAP
92
null
null
Normal monitoring
86
-31
196
3
false
Increase defensive factor exposure
P5165
Systematic
Trust
USD
2024-11-16
941,306
80,992
860,314
1
65.4
27.6
0
7.1
TSLA:28.1%;GLD:22.3%;VOO:21.5%;VTI:28.1%
US:63.2;EU:18.3;APAC:11.3;EM:4.0;Other:3.2
Value:-0.9;Growth:-0.9;Quality:+0.9;Size:+0.1;Momentum:-0.9;LowVol:-1.0
MaxPos5%
5
35
4.9
hard 12%
139
25.2
Bull
14
3.73
2.3
98
26
54
44
true
Hedge
Buy index puts 1% notional
24
1
BrokerC
LMT
90
VAR>budget
Hedge
Risk above budget threshold
-21
-22
36
2
false
Monitor dispersion and breadth
P5166
Cautious
401k
USD
2025-01-01
825,098
131,937
693,161
1
54.1
30.2
1.5
14.2
BND:8.5%;XLF:22.9%;VNQ:22.9%;VOO:22.9%;GLD:22.9%
US:69.0;EU:15.5;APAC:10.7;EM:3.1;Other:1.7
Value:-0.5;Growth:-0.4;Quality:+0.2;Size:-0.6;Momentum:-0.4;LowVol:+1.0
NoDerivatives;NoMargin
5
25
4.6
trailing 10%
154
13.8
Bull
14.1
3.99
2.5
95
2
60
42
false
Buy
Add to core equity +1%
21
-31
BrokerB
VWAP
92
null
null
Normal monitoring
-53
-57
15
4
false
Tighten stops on momentum names
P5167
Opportunistic
Trust
USD
2025-09-30
687,315
49,014
638,301
1
73.1
22
0.6
4.3
AMZN:33.3%;HYG:33.3%;IEF:33.3%
US:71.3;EU:6.5;APAC:11.4;EM:6.6;Other:4.2
Value:-0.8;Growth:-0.3;Quality:+0.4;Size:-0.0;Momentum:-1.0;LowVol:+0.5
MaxPos7%
10
25
5.4
trailing 7%
193
26.1
Volatile
26.7
3.98
3.9
119
-51
18
82
true
Rebalance
Rebalance back to target bands
11
0
BrokerD
LMT
99
Drift>tolerance
Reduce
Allocation drift beyond policy bands
16
-27
-14
2
true
Tax-aware sells next window
P5168
Hands-off
Roth
USD
2025-01-24
513,031
48,682
464,349
1
71.7
18.1
2.7
7.5
BRK.B:33.3%;BND:33.3%;VOO:33.3%
US:66.9;EU:8.5;APAC:13.7;EM:10.8;Other:0.1
Value:+0.4;Growth:-0.2;Quality:+0.5;Size:+0.4;Momentum:+0.4;LowVol:+1.0
ESGOnly;MaxPos6%;NoDerivatives
6
30
5.9
trailing 8%
117
16
Sideways
19
3.65
2
134
-12
59
62
false
Buy
Add to core equity +1%
22
-33
BrokerC
LMT
94
null
null
Normal monitoring
-40
19
-45
4
false
Tighten stops on momentum names
P5169
Systematic
Roth
USD
2024-07-18
1,965,006
128,176
1,836,830
1
65.1
29.9
0
4.9
QQQ:33.3%;TSLA:33.3%;IEF:33.3%
US:74.4;EU:10.3;APAC:5.3;EM:6.0;Other:4.1
Value:+0.9;Growth:+0.5;Quality:-0.8;Size:+1.0;Momentum:+0.4;LowVol:-0.4
null
10
25
4.9
hard 12%
142
25.3
Bear
29.6
4.49
1.3
164
-5
59
74
true
Reduce
Cut high-beta by 2-3%, add cash
9
9
BrokerC
MKT
94
Drift>tolerance
Pause
Allocation drift beyond policy bands
23
-58
32
4
false
Monitor dispersion and breadth
P5170
Systematic
401k
USD
2025-05-22
1,125,103
109,942
1,015,161
1
65.5
27.4
0.9
6.2
VNQ:33.3%;MUB:33.3%;VOO:33.3%
US:70.3;EU:11.3;APAC:13.0;EM:3.3;Other:2.1
Value:+0.8;Growth:-0.1;Quality:-0.5;Size:+0.2;Momentum:+0.2;LowVol:-0.9
MaxPos7%
10
25
5.4
trailing 9%
135
25
Sideways
15
4.74
3.2
114
-21
26
53
false
NoAction
Within bands; monitor
25
-27
BrokerC
MKT
0
null
null
Normal monitoring
41
-7
102
3
false
Increase defensive factor exposure
P5171
Active
Trust
USD
2025-03-05
1,481,798
147,323
1,334,475
1
63.3
21.9
7.5
7.3
VNQ:25.0%;TLT:25.0%;HYG:25.0%;VOO:25.0%
US:71.3;EU:14.7;APAC:7.5;EM:5.0;Other:1.4
Value:+0.4;Growth:+0.3;Quality:+0.8;Size:+0.9;Momentum:+0.1;LowVol:-0.9
MaxPos7%
7
35
5.3
trailing 9%
193
17
Sideways
17
3.57
3.4
90
3
47
60
false
Hedge
Add TLT +1% as duration hedge
-7
15
BrokerD
VWAP
95
null
null
Normal monitoring
-18
9
5
4
false
Tax-aware sells next window
P5172
Systematic
401k
USD
2024-08-25
1,471,673
81,485
1,390,188
1
59.6
22.2
12.9
5.3
IEF:26.3%;GLD:26.3%;HYG:21.0%;TLT:26.3%
US:59.6;EU:15.4;APAC:12.4;EM:9.3;Other:3.3
Value:+0.4;Growth:-0.8;Quality:+0.8;Size:+0.2;Momentum:+0.1;LowVol:+1.0
null
6
25
5.6
trailing 8%
123
22.7
Volatile
28.4
4.07
3.1
149
-59
14
73
true
Hedge
Buy index puts 1% notional
-13
1
BrokerA
MKT
88
RegimeShift
TightenStops
Volatility spike and breadth deterioration
81
-7
56
3
false
Monitor dispersion and breadth
P5173
Active
Taxable
USD
2024-08-14
1,170,555
94,390
1,076,165
1
68.1
19.3
6.2
6.4
MSFT:20.1%;BRK.B:20.1%;VOO:16.8%;AMZN:9.7%;MUB:17.8%;VNQ:15.6%
US:65.6;EU:14.8;APAC:11.5;EM:4.6;Other:3.6
Value:+0.6;Growth:+0.9;Quality:+0.2;Size:-0.4;Momentum:0.0;LowVol:+0.6
null
6
35
5.2
hard 12%
124
24.5
Volatile
30.7
3.91
3.4
113
-4
43
92
true
Hedge
Buy index puts 1% notional
12
4
BrokerB
LMT
100
RegimeShift
Reduce
Volatility spike and breadth deterioration
120
-49
222
2
false
Increase defensive factor exposure
P5174
Active
IRA
USD
2024-12-10
2,270,364
150,238
2,120,126
1
58.7
23.4
11.5
6.5
TSLA:25.0%;HYG:25.0%;AAPL:25.0%;AMZN:25.0%
US:62.8;EU:16.7;APAC:8.5;EM:10.0;Other:2.0
Value:-0.4;Growth:+0.4;Quality:-0.5;Size:-0.8;Momentum:+1.0;LowVol:-0.2
null
6
25
4.1
trailing 8%
161
21.5
Bull
11.4
3.82
2.7
75
114
100
28
true
Hedge
Buy index puts 1% notional
19
-2
BrokerD
VWAP
96
RegimeShift
Reduce
Volatility spike and breadth deterioration
-35
0
-18
5
false
Increase defensive factor exposure
P5175
Systematic
Roth
USD
2025-10-05
1,008,827
58,242
950,585
1
61.2
31.7
0
7.1
TSLA:22.3%;TLT:25.9%;QQQ:25.9%;AAPL:25.9%
US:61.4;EU:12.5;APAC:14.2;EM:8.7;Other:3.2
Value:+1.0;Growth:-0.3;Quality:0.0;Size:+0.9;Momentum:+0.5;LowVol:+0.2
null
10
30
4.5
trailing 9%
188
20.6
Volatile
31.4
3.93
2.1
147
46
68
86
true
Hedge
Buy index puts 1% notional
11
-20
BrokerC
LMT
86
VAR>budget
TightenStops
Risk above budget threshold
-51
12
-6
4
true
Increase defensive factor exposure
P5176
Hands-off
401k
USD
2024-09-20
370,426
27,824
342,602
1
66.5
24.9
0
8.6
HYG:28.4%;XLF:27.7%;VOO:15.5%;IEF:28.4%
US:69.5;EU:11.5;APAC:9.9;EM:6.7;Other:2.4
Value:+0.1;Growth:+0.2;Quality:-0.5;Size:+0.1;Momentum:-0.7;LowVol:+0.5
MaxPos7%
6
25
3.8
trailing 8%
121
18.3
Bull
13.8
3.8
3.5
101
102
100
39
false
Buy
Add to core equity +1%
14
-32
BrokerA
VWAP
98
null
null
Normal monitoring
21
-33
-15
4
false
Tighten stops on momentum names
P5177
Active
401k
USD
2025-03-24
2,224,193
140,583
2,083,610
1.14
60.1
22
8.2
9.8
VOO:33.3%;VNQ:33.3%;AAPL:33.3%
US:71.8;EU:16.6;APAC:7.4;EM:4.2;Other:0.0
Value:-0.1;Growth:+0.6;Quality:-0.0;Size:-0.4;Momentum:-0.5;LowVol:-0.4
MaxPos7%;NoDerivatives
6
35
4.1
trailing 9%
186
20
Sideways
21.1
4.95
2.1
133
56
88
59
false
Buy
Add to core equity +1%
-15
-12
BrokerA
LMT
85
null
null
Normal monitoring
-40
-12
59
3
false
Tax-aware sells next window
P5178
Hands-off
Roth
USD
2025-02-15
844,804
68,466
776,338
1
68.4
26.8
0
4.8
BND:26.5%;VNQ:18.2%;VTI:14.2%;IEF:26.5%;GLD:14.6%
US:66.1;EU:18.6;APAC:9.7;EM:3.7;Other:2.0
Value:+0.5;Growth:+0.6;Quality:+0.3;Size:-0.8;Momentum:+0.3;LowVol:+0.5
null
8
25
4.6
hard 10%
164
20
Bull
17.1
4.09
2.4
82
114
100
62
true
Rebalance
Rebalance back to target bands
3
-39
BrokerA
VWAP
90
Drift>tolerance
TightenStops
Allocation drift beyond policy bands
-45
-33
-41
2
false
Tighten stops on momentum names
P5179
Active
IRA
USD
2024-12-26
1,223,506
112,948
1,110,558
1.22
65.1
18.4
10.2
6.3
MSFT:19.2%;MUB:20.8%;XLF:18.3%;AAPL:20.8%;QQQ:20.8%
US:78.6;EU:6.0;APAC:7.0;EM:5.1;Other:3.2
Value:+0.2;Growth:-0.0;Quality:-0.7;Size:-1.0;Momentum:-0.5;LowVol:+0.5
NoDerivatives
7
25
4.3
hard 12%
216
23.9
Volatile
26.2
5.46
4.1
143
25
72
64
true
Hedge
Buy index puts 1% notional
1
-6
BrokerB
LMT
94
Drift>tolerance
Hedge
Allocation drift beyond policy bands
89
-41
128
5
false
Tighten stops on momentum names
P5180
Systematic
Taxable
USD
2025-04-06
561,361
34,254
527,107
1
58.9
32
0
9.2
IEF:26.4%;BRK.B:26.4%;GLD:20.7%;BND:26.4%
US:64.9;EU:13.3;APAC:8.0;EM:10.7;Other:3.1
Value:-0.6;Growth:+0.7;Quality:-0.5;Size:+0.4;Momentum:-0.9;LowVol:+0.7
MaxPos5%;NoDerivatives
6
25
5.4
hard 12%
135
16.7
Sideways
17.4
4.68
2.4
125
33
54
52
false
Hedge
Add TLT +1% as duration hedge
4
14
BrokerD
LMT
89
null
null
Normal monitoring
44
16
81
3
false
Tax-aware sells next window
P5181
Opportunistic
Roth
USD
2025-08-30
1,550,869
109,103
1,441,766
1
66.2
20.1
7.4
6.4
TLT:33.3%;VTI:33.3%;VOO:33.3%
US:64.8;EU:6.9;APAC:11.9;EM:13.4;Other:3.0
Value:+0.4;Growth:+0.5;Quality:-0.6;Size:+1.0;Momentum:0.0;LowVol:-1.0
MaxPos5%
8
25
5.4
hard 12%
186
22.9
Bull
13.1
4.33
2.2
115
62
75
51
false
Buy
Add to core equity +1%
18
3
BrokerD
LMT
99
null
null
Normal monitoring
-20
4
100
5
false
Tax-aware sells next window
P5182
Active
IRA
USD
2025-05-25
876,064
76,708
799,356
1
63.4
26.1
4.5
5.9
AAPL:22.8%;VOO:10.1%;VTI:22.8%;TSLA:21.5%;HYG:22.8%
US:60.9;EU:14.8;APAC:15.1;EM:6.0;Other:3.2
Value:-0.7;Growth:-0.2;Quality:+0.7;Size:+0.6;Momentum:-0.1;LowVol:-0.6
NoDerivatives
5
25
4.8
trailing 9%
189
21.8
Bull
15.1
4.69
3.1
101
69
79
43
true
Rebalance
Rebalance back to target bands
3
-29
BrokerD
MKT
99
VAR>budget
Hedge
Risk above budget threshold
86
-53
88
2
false
Tighten stops on momentum names
P5183
Opportunistic
Trust
USD
2025-03-20
1,244,647
106,025
1,138,622
1
75.1
19.8
0.4
4.7
GLD:20.4%;VTI:23.8%;HYG:13.7%;VNQ:23.8%;TLT:18.2%
US:62.9;EU:17.6;APAC:11.1;EM:6.2;Other:2.2
Value:-0.3;Growth:-0.8;Quality:-0.2;Size:-0.3;Momentum:-0.0;LowVol:+0.5
null
6
30
6.8
hard 12%
178
27.6
Sideways
14.6
3.63
2.6
124
-3
61
49
false
Rebalance
Shift +1% to bonds from equity
15
-32
BrokerC
MKT
85
null
null
Normal monitoring
-20
-44
108
4
false
Tighten stops on momentum names
P5184
Systematic
Taxable
USD
2025-11-18
1,228,223
74,595
1,153,628
1
63.3
29.6
0
7
VOO:20.9%;TSLA:19.3%;MUB:19.6%;MSFT:10.9%;AMZN:10.9%;TLT:18.5%
US:55.4;EU:18.5;APAC:12.6;EM:12.4;Other:1.2
Value:+0.2;Growth:-0.4;Quality:-1.0;Size:-0.0;Momentum:+0.1;LowVol:0.0
MaxPos8%
6
25
4
hard 12%
156
18.5
Sideways
20.5
4.32
3
115
60
92
52
false
Rebalance
Shift +1% to bonds from equity
35
9
BrokerD
MKT
87
null
null
Normal monitoring
-34
-35
-30
5
false
Tighten stops on momentum names
P5185
Systematic
Trust
USD
2025-02-07
1,125,156
99,569
1,025,587
1
61.2
22.4
7
9.4
BRK.B:33.3%;VOO:33.3%;TLT:33.3%
US:68.2;EU:13.1;APAC:8.6;EM:8.0;Other:2.0
Value:-0.5;Growth:-0.4;Quality:-0.7;Size:-0.6;Momentum:+0.9;LowVol:-0.6
null
10
30
5.2
trailing 8%
158
19
Volatile
22.5
5.49
2.9
145
-37
24
65
false
Buy
Add to core equity +1%
27
-26
BrokerB
LMT
93
null
null
Normal monitoring
90
-10
63
5
false
Tighten stops on momentum names
P5186
Opportunistic
IRA
USD
2024-12-11
900,219
40,828
859,391
1
63.2
15.7
13.7
7.5
TSLA:26.0%;BND:22.3%;VTI:25.8%;AMZN:26.0%
US:70.2;EU:10.4;APAC:9.7;EM:5.1;Other:4.6
Value:+0.8;Growth:-0.3;Quality:+0.9;Size:+0.6;Momentum:+0.7;LowVol:-0.6
NoDerivatives
7
30
6.3
trailing 9%
275
34.5
Sideways
21.6
4.78
2.4
109
10
45
65
false
Sell
Trim extended winner -1%
4
-27
BrokerB
VWAP
97
null
null
Normal monitoring
42
17
43
4
false
Within IPS guidelines
P5187
Opportunistic
Trust
USD
2025-04-05
1,015,388
36,245
979,143
1.1
61.4
15
16.1
7.5
IEF:33.4%;QQQ:33.2%;XLF:33.4%
US:75.6;EU:7.2;APAC:9.8;EM:5.6;Other:1.7
Value:+0.7;Growth:-0.7;Quality:+0.2;Size:-0.4;Momentum:+0.3;LowVol:-0.3
MaxPos7%
6
35
5.5
hard 12%
261
27.8
Bull
15.5
4.14
2.1
109
26
60
37
false
Buy
Add to core equity +1%
-2
-1
BrokerC
MKT
86
null
null
Normal monitoring
9
-12
144
3
false
Within IPS guidelines
P5188
Cautious
Trust
USD
2025-04-27
282,824
26,225
256,599
1
36.1
34.7
17.5
11.7
TSLA:22.7%;BND:11.0%;XLF:22.7%;GLD:22.7%;VOO:20.9%
US:74.2;EU:5.4;APAC:14.8;EM:3.7;Other:2.0
Value:-0.4;Growth:+0.1;Quality:-0.8;Size:-0.8;Momentum:-0.5;LowVol:+0.7
NoDerivatives;NoMargin
8
25
4
trailing 10%
127
16.3
Volatile
26
3.72
4.2
123
-5
53
52
false
Rebalance
Shift +1% to bonds from equity
-12
-20
BrokerB
MKT
96
null
null
Normal monitoring
118
-19
179
3
false
Tighten stops on momentum names
P5189
Systematic
Trust
USD
2024-07-27
1,945,076
133,141
1,811,935
1
61.3
22.4
8.3
7.9
TSLA:15.1%;HYG:10.1%;AMZN:21.7%;QQQ:21.8%;GLD:21.8%;VTI:9.5%
US:58.5;EU:20.4;APAC:6.7;EM:10.6;Other:3.8
Value:-0.1;Growth:+0.4;Quality:+0.5;Size:-0.2;Momentum:-0.9;LowVol:-0.5
MaxPos5%
8
25
4.4
hard 12%
130
22.3
Volatile
21.4
4.71
4.4
124
-34
38
54
false
Sell
Trim extended winner -1%
3
5
BrokerD
VWAP
91
null
null
Normal monitoring
-42
-23
91
3
false
Within IPS guidelines
P5190
Hands-off
IRA
USD
2025-11-30
194,883
15,692
179,191
1
72.1
17.6
0.4
9.9
MSFT:21.3%;MUB:22.1%;BRK.B:22.1%;HYG:7.8%;AMZN:15.8%;GLD:11.0%
US:65.4;EU:11.5;APAC:11.6;EM:8.5;Other:3.1
Value:-0.5;Growth:-0.7;Quality:-0.2;Size:+0.3;Momentum:+0.3;LowVol:+0.3
null
6
30
4.3
trailing 8%
169
14.9
Bull
12.7
3.51
2.4
88
115
99
51
false
Buy
Add to core equity +1%
32
-22
BrokerC
MKT
92
null
null
Normal monitoring
10
4
54
5
false
Increase defensive factor exposure
P5191
Systematic
IRA
USD
2025-09-27
864,051
60,327
803,724
1
56.2
21.3
14.9
7.7
HYG:21.6%;QQQ:21.1%;TSLA:6.7%;MSFT:18.1%;BRK.B:21.6%;VTI:10.9%
US:68.0;EU:8.8;APAC:13.8;EM:7.9;Other:1.4
Value:+0.1;Growth:+0.1;Quality:-0.6;Size:-1.0;Momentum:-0.3;LowVol:+0.7
null
5
35
5.2
hard 12%
149
17.9
Bull
16.2
4.6
2.4
90
87
82
48
true
Reduce
Cut high-beta by 2-3%, add cash
33
-23
BrokerB
MKT
85
Drift>tolerance
Hedge
Allocation drift beyond policy bands
104
-29
183
4
false
Tighten stops on momentum names
P5192
Cautious
Taxable
USD
2025-06-25
595,715
55,751
539,964
1
52
34.4
0
13.5
TSLA:19.4%;XLF:26.9%;AMZN:26.9%;MSFT:26.9%
US:68.2;EU:17.3;APAC:9.1;EM:3.8;Other:1.6
Value:-0.0;Growth:-0.1;Quality:+0.5;Size:-0.1;Momentum:+0.1;LowVol:+0.8
MaxPos6%;NoMargin
8
30
3.4
trailing 8%
117
16.7
Bull
17.1
4.15
2.9
80
17
63
43
false
Rebalance
Shift +1% to bonds from equity
-15
-15
BrokerA
MKT
92
null
null
Normal monitoring
19
-41
34
3
false
Within IPS guidelines
P5193
Active
401k
USD
2024-10-01
1,645,419
107,567
1,537,852
1.07
68.4
23.9
0.6
7
VOO:15.8%;HYG:8.8%;IEF:22.4%;AAPL:8.3%;BND:22.3%;VNQ:22.4%
US:74.1;EU:8.1;APAC:7.0;EM:9.2;Other:1.5
Value:-0.1;Growth:+1.0;Quality:-0.1;Size:-0.3;Momentum:-0.2;LowVol:+0.7
null
7
35
5.2
trailing 8%
143
16.8
Bull
12.9
4.26
2.2
88
91
100
54
false
Sell
Trim extended winner -1%
-11
3
BrokerD
MKT
89
null
null
Normal monitoring
81
-2
107
3
false
Tighten stops on momentum names
P5194
Active
Roth
USD
2024-09-06
1,547,860
100,380
1,447,480
1
52.3
22.9
16.7
8.1
AMZN:12.1%;TLT:20.5%;XLF:18.9%;VNQ:20.5%;TSLA:11.0%;HYG:17.1%
US:76.1;EU:8.5;APAC:8.6;EM:5.7;Other:1.1
Value:-0.3;Growth:-0.7;Quality:-0.9;Size:-0.1;Momentum:-0.5;LowVol:-0.7
NoDerivatives
7
30
4.9
trailing 8%
143
24.8
Volatile
23.1
4.83
2.7
150
35
68
67
false
NoAction
Within bands; monitor
-1
-10
BrokerB
MKT
0
null
null
Normal monitoring
21
-21
26
3
false
Tighten stops on momentum names
P5195
Systematic
Trust
USD
2025-10-06
1,892,492
148,625
1,743,867
1
66.6
24.7
0
8.7
AMZN:17.8%;BRK.B:28.1%;AAPL:28.1%;MUB:25.9%
US:58.2;EU:20.7;APAC:7.1;EM:13.4;Other:0.6
Value:-0.8;Growth:-0.3;Quality:-0.7;Size:-0.8;Momentum:+1.0;LowVol:+0.9
null
5
25
4.9
trailing 8%
154
21.6
Bull
13.8
4.06
3
77
1
60
49
false
Rebalance
Shift +1% to bonds from equity
-9
11
BrokerC
VWAP
89
null
null
Normal monitoring
5
-35
93
5
false
Tighten stops on momentum names
P5196
Opportunistic
IRA
USD
2025-08-15
1,494,035
57,637
1,436,398
1
69.8
21.4
2
6.7
HYG:26.9%;VNQ:16.9%;BND:28.1%;BRK.B:28.1%
US:58.5;EU:20.7;APAC:8.2;EM:8.3;Other:4.3
Value:-0.3;Growth:+0.7;Quality:-0.7;Size:+0.4;Momentum:+0.3;LowVol:+0.8
NoDerivatives
6
30
6
hard 12%
234
28.3
Sideways
15.5
4.64
2.3
96
48
72
48
false
Buy
Add to core equity +1%
-7
-27
BrokerD
MKT
89
null
null
Normal monitoring
39
-28
121
4
false
Monitor dispersion and breadth
P5197
Cautious
Trust
USD
2025-01-24
860,565
117,999
742,566
1
40.1
43.1
0
16.8
BND:21.3%;MSFT:22.6%;TSLA:22.6%;GLD:15.6%;AMZN:17.9%
US:72.9;EU:7.2;APAC:8.3;EM:8.7;Other:3.1
Value:-0.4;Growth:+0.2;Quality:+0.8;Size:+0.7;Momentum:-0.0;LowVol:+1.0
NoDerivatives;NoMargin
10
35
3.2
hard 10%
144
16.6
Bull
12
4.18
3.4
111
65
97
35
true
Hedge
Buy index puts 1% notional
16
-14
BrokerD
MKT
97
Drift>tolerance
Hedge
Allocation drift beyond policy bands
-52
2
25
2
true
Monitor dispersion and breadth
P5198
Opportunistic
401k
USD
2024-12-20
693,595
47,155
646,440
1
74
14.7
6
5.4
TLT:27.7%;VNQ:19.0%;GLD:25.7%;MUB:27.7%
US:66.2;EU:11.0;APAC:12.4;EM:7.7;Other:2.8
Value:-0.9;Growth:-0.2;Quality:+0.9;Size:+0.2;Momentum:-0.8;LowVol:-0.8
MaxPos6%;NoDerivatives
10
30
4.8
trailing 9%
163
22.7
Bull
16.9
4.05
2.9
104
117
100
66
false
Rebalance
Shift +1% to bonds from equity
24
-27
BrokerD
LMT
96
null
null
Normal monitoring
13
11
-15
5
false
Tax-aware sells next window
P5199
Cautious
401k
USD
2025-08-11
882,321
92,083
790,238
1
52.6
32.1
2.9
12.3
QQQ:25.6%;VOO:25.6%;XLF:23.1%;TSLA:25.6%
US:72.1;EU:15.0;APAC:5.2;EM:4.2;Other:3.5
Value:+0.2;Growth:+0.8;Quality:-0.5;Size:+0.6;Momentum:+0.2;LowVol:-0.4
ESGOnly;MaxPos6%;NoMargin
10
35
4.8
hard 10%
137
15.5
Bear
24.2
3.15
1.3
167
30
53
51
false
Buy
Add to core equity +1%
32
5
BrokerB
VWAP
97
null
null
Normal monitoring
12
1
90
4
false
Tax-aware sells next window
P5200
Active
Trust
USD
2025-12-01
689,488
71,198
618,290
1.08
58.7
18.1
13.7
9.5
TLT:23.3%;XLF:15.6%;VTI:23.3%;BND:14.6%;QQQ:23.3%
US:67.3;EU:6.6;APAC:16.0;EM:8.2;Other:1.8
Value:-0.1;Growth:+0.7;Quality:+0.1;Size:+0.1;Momentum:+1.0;LowVol:+0.6
null
8
30
5.8
trailing 9%
162
27.7
Volatile
28.2
3.51
3.9
152
-29
31
77
true
Reduce
Cut high-beta by 2-3%, add cash
34
-17
BrokerB
MKT
92
Drift>tolerance
Hedge
Allocation drift beyond policy bands
34
16
130
3
false
Tighten stops on momentum names