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
P6701
Hands-off
401k
USD
2025-03-12
221,550
20,743
200,807
1
58.6
21.7
12.1
7.7
MSFT:37.9%;BND:24.2%;IEF:37.9%
US:70.8;EU:11.2;APAC:10.0;EM:5.4;Other:2.6
Value:+0.6;Growth:-0.4;Quality:+0.3;Size:-0.6;Momentum:+0.7;LowVol:-0.1
null
10
25
4.7
trailing 8%
108
17.7
Volatile
30.3
4.79
2.2
142
-36
40
65
false
Rebalance
Shift +1% to bonds from equity
1
8
BrokerA
MKT
100
null
null
Normal monitoring
-33
-41
11
4
false
Within IPS guidelines
P6702
Opportunistic
Taxable
USD
2025-12-23
1,199,213
93,749
1,105,464
1
71.4
20.9
0
7.7
BRK.B:33.3%;MSFT:33.3%;AAPL:33.3%
US:73.2;EU:5.8;APAC:11.5;EM:6.4;Other:3.0
Value:+0.4;Growth:-0.5;Quality:-0.5;Size:-0.3;Momentum:+0.2;LowVol:+0.7
null
7
35
4.1
trailing 7%
177
22.9
Bear
23.1
3.93
2.3
200
-106
5
79
true
Reduce
Cut high-beta by 2-3%, add cash
0
-24
BrokerC
LMT
89
Drift>tolerance
Pause
Allocation drift beyond policy bands
20
-45
32
2
true
Tax-aware sells next window
P6703
Opportunistic
IRA
USD
2025-03-10
1,395,344
96,898
1,298,446
1
60.2
12
23.6
4.2
MUB:33.3%;AMZN:33.3%;VOO:33.3%
US:67.3;EU:14.9;APAC:7.1;EM:10.5;Other:0.2
Value:+0.1;Growth:+0.3;Quality:+0.4;Size:-0.1;Momentum:-0.6;LowVol:+1.0
null
5
30
5.3
hard 12%
265
25.9
Bull
13.4
4.54
2.1
79
41
70
35
false
NoAction
Within bands; monitor
-5
-34
BrokerD
MKT
0
null
null
Normal monitoring
-53
-23
-8
4
false
Tighten stops on momentum names
P6704
Systematic
IRA
USD
2024-10-14
1,247,397
66,609
1,180,788
1
55.6
24.8
11.9
7.8
AMZN:24.1%;VOO:17.5%;QQQ:18.7%;TSLA:15.6%;GLD:24.1%
US:64.9;EU:18.7;APAC:5.7;EM:9.0;Other:1.8
Value:-0.7;Growth:-0.8;Quality:+0.8;Size:+0.1;Momentum:-0.6;LowVol:+0.3
MaxPos6%
6
35
4.7
trailing 9%
174
20.4
Volatile
22.5
4.35
2.6
112
-4
57
60
false
Hedge
Add TLT +1% as duration hedge
22
2
BrokerD
MKT
91
null
null
Normal monitoring
-34
-37
7
4
false
Monitor dispersion and breadth
P6705
Opportunistic
IRA
USD
2025-08-27
1,732,735
55,881
1,676,854
1
69.9
19.6
4.1
6.4
TSLA:22.1%;VNQ:7.8%;BND:7.5%;AMZN:22.1%;MUB:18.5%;MSFT:22.1%
US:72.2;EU:7.0;APAC:11.8;EM:4.5;Other:4.4
Value:+0.5;Growth:-0.6;Quality:-0.2;Size:+0.2;Momentum:+1.0;LowVol:+0.6
MaxPos7%
10
35
6.2
trailing 9%
245
27.1
Volatile
30.6
4.84
3.2
134
66
84
81
true
Reduce
Cut high-beta by 2-3%, add cash
26
0
BrokerB
MKT
99
RegimeShift
Hedge
Volatility spike and breadth deterioration
27
8
27
2
false
Tax-aware sells next window
P6706
Systematic
401k
USD
2025-09-12
464,984
21,786
443,198
1
61
24.7
4.4
9.9
MSFT:33.3%;VOO:33.3%;BRK.B:33.3%
US:66.2;EU:18.6;APAC:8.2;EM:6.0;Other:1.1
Value:+0.7;Growth:-0.2;Quality:-0.6;Size:+0.9;Momentum:+0.3;LowVol:+0.2
NoDerivatives
5
25
5.1
hard 12%
132
20.5
Bear
30.1
3.26
1.3
181
-65
22
81
true
Hedge
Buy index puts 1% notional
28
-2
BrokerA
LMT
89
RegimeShift
Reduce
Volatility spike and breadth deterioration
50
-37
38
2
false
Increase defensive factor exposure
P6707
Opportunistic
Taxable
USD
2025-07-08
556,382
21,497
534,885
1
62.8
15.7
13.6
7.9
AAPL:22.6%;AMZN:22.6%;TSLA:22.6%;TLT:13.2%;MSFT:19.0%
US:63.3;EU:9.3;APAC:13.3;EM:11.1;Other:3.0
Value:+0.5;Growth:-0.5;Quality:-0.1;Size:-0.3;Momentum:+0.6;LowVol:+0.1
MaxPos6%
7
25
4.7
trailing 7%
169
33.1
Volatile
28.7
4.35
4.1
110
-38
42
73
true
Reduce
Cut high-beta by 2-3%, add cash
-6
11
BrokerC
MKT
89
Drift>tolerance
Hedge
Allocation drift beyond policy bands
110
-23
238
4
false
Within IPS guidelines
P6708
Cautious
401k
USD
2025-10-28
400,834
51,566
349,268
1
49.4
34.5
0
16.1
MUB:28.1%;HYG:35.9%;VOO:35.9%
US:66.5;EU:7.2;APAC:14.5;EM:10.1;Other:1.7
Value:+0.9;Growth:-0.5;Quality:-0.6;Size:+0.3;Momentum:-0.4;LowVol:-0.9
ESGOnly;MaxPos6%;NoMargin
7
25
4
trailing 8%
135
19
Volatile
20.2
3.85
4.3
142
42
79
46
false
Rebalance
Shift +1% to bonds from equity
22
-26
BrokerD
MKT
86
null
null
Normal monitoring
35
-34
99
3
false
Increase defensive factor exposure
P6709
Opportunistic
IRA
USD
2024-09-17
529,442
40,944
488,498
1.09
67.8
13.1
10.2
8.8
MUB:33.3%;TSLA:33.3%;AMZN:33.3%
US:63.9;EU:12.6;APAC:10.7;EM:11.1;Other:1.7
Value:+0.2;Growth:-0.8;Quality:-1.0;Size:-0.6;Momentum:+0.4;LowVol:-0.0
null
8
25
4.5
trailing 9%
178
30.6
Bear
24.2
4.09
2.4
214
-113
5
59
true
Hedge
Buy index puts 1% notional
2
-37
BrokerB
LMT
93
Drift>tolerance
Hedge
Allocation drift beyond policy bands
7
-2
70
4
false
Tax-aware sells next window
P6710
Active
Taxable
USD
2025-08-30
2,286,329
205,408
2,080,921
1
57.4
25
8.9
8.7
VOO:33.2%;AAPL:33.4%;VTI:33.4%
US:56.2;EU:21.5;APAC:6.9;EM:10.2;Other:5.2
Value:+0.4;Growth:-0.6;Quality:+0.1;Size:-0.6;Momentum:+0.7;LowVol:+0.7
null
5
30
6
hard 12%
226
21.6
Bull
13.4
4.59
2.8
79
63
70
35
true
Hedge
Buy index puts 1% notional
-1
9
BrokerC
MKT
87
RegimeShift
TightenStops
Volatility spike and breadth deterioration
-55
8
9
5
false
Within IPS guidelines
P6711
Hands-off
Roth
USD
2024-07-07
214,827
14,186
200,641
1
68.4
20
2.2
9.4
GLD:18.9%;IEF:24.0%;VTI:10.1%;AMZN:24.0%;QQQ:22.9%
US:61.6;EU:14.8;APAC:11.3;EM:8.3;Other:4.0
Value:-0.6;Growth:-0.9;Quality:-0.2;Size:-0.2;Momentum:+0.4;LowVol:+0.1
NoDerivatives
7
35
5
trailing 8%
117
15.9
Bear
23.4
3.82
1.2
205
18
70
60
false
Rebalance
Shift +1% to bonds from equity
-14
-12
BrokerA
MKT
96
null
null
Normal monitoring
-58
-41
-11
5
false
Within IPS guidelines
P6712
Systematic
IRA
USD
2025-08-27
1,961,815
102,484
1,859,331
1
63
24.2
5.5
7.3
MSFT:24.1%;AAPL:27.8%;HYG:27.8%;TLT:20.2%
US:75.9;EU:7.0;APAC:11.8;EM:3.3;Other:2.1
Value:+0.4;Growth:+0.2;Quality:-0.1;Size:+0.6;Momentum:-0.9;LowVol:-0.4
null
5
30
4.7
trailing 8%
145
24.8
Volatile
23.9
4.45
3.5
162
62
86
75
true
Reduce
Cut high-beta by 2-3%, add cash
6
-8
BrokerD
MKT
98
Drift>tolerance
Reduce
Allocation drift beyond policy bands
78
-44
78
5
false
Within IPS guidelines
P6713
Cautious
401k
USD
2025-08-12
442,766
49,801
392,965
1
42.1
37.6
7.6
12.7
XLF:24.0%;BND:38.0%;AMZN:38.0%
US:55.6;EU:19.9;APAC:12.5;EM:8.4;Other:3.7
Value:+0.3;Growth:-0.5;Quality:-0.9;Size:+0.1;Momentum:+0.7;LowVol:-0.4
ESGOnly;MaxPos7%;NoDerivatives;NoMargin
6
25
4
trailing 8%
135
13.6
Volatile
25.5
4.22
3.3
150
30
77
55
false
Buy
Add to core equity +1%
25
7
BrokerB
MKT
92
null
null
Normal monitoring
-16
-53
28
4
false
Monitor dispersion and breadth
P6714
Opportunistic
401k
USD
2025-05-26
576,888
50,374
526,514
1
65.1
15.3
13.9
5.7
IEF:37.9%;MUB:24.3%;BRK.B:37.9%
US:70.7;EU:7.8;APAC:8.4;EM:9.5;Other:3.6
Value:-0.8;Growth:+0.5;Quality:-0.7;Size:-0.2;Momentum:-0.3;LowVol:-0.6
null
6
35
5.9
hard 12%
178
33.7
Volatile
21
3.63
3
173
74
99
53
false
Sell
Trim extended winner -1%
24
-8
BrokerC
LMT
86
null
null
Normal monitoring
92
-33
85
3
false
Tax-aware sells next window
P6715
Cautious
Taxable
USD
2025-09-29
695,508
77,937
617,571
1
48.3
39.1
0
12.6
VTI:31.3%;MUB:34.3%;QQQ:34.3%
US:65.9;EU:14.3;APAC:9.1;EM:7.4;Other:3.3
Value:-0.8;Growth:-0.5;Quality:+0.3;Size:+0.4;Momentum:-0.9;LowVol:-0.3
NoDerivatives;NoMargin
6
25
3.1
trailing 8%
156
14
Sideways
21.7
4
2.3
114
-6
57
47
false
Sell
Trim extended winner -1%
17
13
BrokerB
LMT
99
null
null
Normal monitoring
100
15
60
3
false
Increase defensive factor exposure
P6716
Hands-off
IRA
USD
2024-12-28
557,474
49,059
508,415
1
57.3
22
15.5
5.2
VOO:34.5%;GLD:34.5%;MSFT:31.0%
US:73.5;EU:13.9;APAC:6.4;EM:5.4;Other:0.8
Value:+0.9;Growth:-0.1;Quality:+0.4;Size:-0.7;Momentum:0.0;LowVol:+0.7
NoDerivatives
7
30
4.7
trailing 8%
133
16.8
Bull
15.1
3.91
3.1
84
13
42
37
false
NoAction
Within bands; monitor
-8
-36
BrokerB
LMT
96
null
null
Normal monitoring
45
-38
165
4
false
Within IPS guidelines
P6717
Hands-off
Taxable
USD
2025-01-06
276,830
18,282
258,548
1
59.2
17.8
16.7
6.3
TLT:33.3%;GLD:33.3%;IEF:33.3%
US:75.2;EU:7.9;APAC:10.7;EM:5.5;Other:0.6
Value:+0.3;Growth:+0.4;Quality:-0.8;Size:+0.9;Momentum:+0.3;LowVol:+0.2
NoDerivatives
6
35
4.2
trailing 8%
159
17.6
Volatile
25.7
3.59
2.8
114
78
92
64
false
Rebalance
Shift +1% to bonds from equity
6
-33
BrokerC
LMT
85
null
null
Normal monitoring
7
-47
5
4
false
Tighten stops on momentum names
P6718
Hands-off
401k
USD
2025-07-10
170,034
9,318
160,716
1
60.2
24.9
9.8
5.1
BRK.B:16.8%;BND:22.3%;XLF:19.3%;TSLA:8.4%;HYG:10.9%;MSFT:22.3%
US:68.4;EU:12.9;APAC:10.9;EM:6.2;Other:1.6
Value:-0.7;Growth:-0.0;Quality:+0.6;Size:+0.5;Momentum:-0.7;LowVol:+0.7
ESGOnly;MaxPos5%
10
30
4.1
trailing 10%
133
14.4
Bull
13.5
4.79
2.2
82
40
69
37
false
Rebalance
Shift +1% to bonds from equity
-1
-6
BrokerD
MKT
100
null
null
Normal monitoring
17
-44
-22
3
false
Within IPS guidelines
P6719
Cautious
Roth
USD
2025-04-03
174,613
18,235
156,378
1
40.4
38.4
4.5
16.7
VNQ:24.3%;AMZN:18.7%;IEF:28.5%;VOO:28.5%
US:70.2;EU:5.7;APAC:14.7;EM:7.6;Other:1.8
Value:-0.2;Growth:0.0;Quality:+0.6;Size:-0.1;Momentum:+0.5;LowVol:-0.7
ESGOnly;MaxPos7%;NoDerivatives;NoMargin
6
35
5.4
trailing 10%
109
16.4
Volatile
24.1
4.78
2.2
140
15
68
42
false
Buy
Add to core equity +1%
-1
-14
BrokerA
MKT
92
null
null
Normal monitoring
36
-49
106
5
false
Monitor dispersion and breadth
P6720
Systematic
IRA
USD
2025-04-18
1,668,113
133,979
1,534,134
1
59.2
20.7
13.1
7
BRK.B:21.4%;AAPL:21.4%;TLT:12.6%;XLF:16.1%;BND:8.4%;AMZN:20.0%
US:68.1;EU:17.1;APAC:6.8;EM:3.4;Other:4.6
Value:-0.8;Growth:-0.1;Quality:+0.3;Size:+0.9;Momentum:-0.2;LowVol:-0.8
null
6
25
4.4
hard 12%
192
23.7
Bear
22.6
4.41
1
217
18
73
59
false
Rebalance
Shift +1% to bonds from equity
14
-30
BrokerC
VWAP
91
null
null
Normal monitoring
84
14
222
4
false
Tax-aware sells next window
P6721
Systematic
Roth
USD
2025-04-25
1,680,438
68,345
1,612,093
1
69.9
21.6
2.9
5.5
AAPL:28.6%;QQQ:28.6%;XLF:14.3%;VOO:28.6%
US:75.1;EU:7.5;APAC:7.7;EM:4.5;Other:5.3
Value:+0.7;Growth:-0.2;Quality:-0.8;Size:+0.5;Momentum:+0.7;LowVol:+0.9
MaxPos6%;NoDerivatives
6
25
5.2
trailing 8%
167
17.4
Sideways
14.1
3.51
2
129
-26
34
45
false
Rebalance
Shift +1% to bonds from equity
32
0
BrokerD
LMT
100
null
null
Normal monitoring
72
-20
84
4
false
Within IPS guidelines
P6722
Hands-off
IRA
USD
2025-03-25
346,578
15,567
331,011
1
59.6
16.4
16.9
7.2
TLT:11.2%;MSFT:19.0%;VNQ:20.6%;QQQ:12.8%;XLF:20.6%;MUB:15.8%
US:64.3;EU:9.1;APAC:15.9;EM:7.0;Other:3.7
Value:-0.9;Growth:-0.7;Quality:+0.1;Size:+1.0;Momentum:-0.8;LowVol:-0.6
ESGOnly;MaxPos8%
6
35
3.2
trailing 10%
94
14
Bear
22.6
3.7
1.2
175
23
56
52
false
Rebalance
Shift +1% to bonds from equity
22
6
BrokerD
LMT
92
null
null
Normal monitoring
88
-44
146
5
false
Within IPS guidelines
P6723
Opportunistic
Trust
USD
2025-06-06
848,418
55,941
792,477
1.12
66.5
13.5
12.4
7.5
AAPL:26.9%;BRK.B:19.4%;VTI:26.9%;GLD:26.9%
US:64.6;EU:15.9;APAC:8.3;EM:9.5;Other:1.8
Value:+0.6;Growth:+0.5;Quality:+0.7;Size:-0.2;Momentum:-0.5;LowVol:-0.7
null
6
30
6.2
hard 12%
243
32.2
Sideways
16.9
4.61
3.4
104
-26
29
43
false
Buy
Add to core equity +1%
1
-18
BrokerD
VWAP
96
null
null
Normal monitoring
-42
-5
-62
3
false
Increase defensive factor exposure
P6724
Systematic
IRA
USD
2025-06-19
519,665
49,458
470,207
1
67.7
23
0
9.3
TSLA:27.6%;AAPL:36.2%;IEF:36.2%
US:60.7;EU:11.3;APAC:15.5;EM:6.7;Other:5.7
Value:+0.5;Growth:+0.8;Quality:-0.9;Size:+0.1;Momentum:-0.9;LowVol:+0.2
null
7
25
5.4
trailing 9%
216
19.2
Bull
17.3
5
2.6
119
106
100
60
false
Rebalance
Shift +1% to bonds from equity
31
-21
BrokerC
MKT
98
null
null
Normal monitoring
-54
-38
6
4
false
Tighten stops on momentum names
P6725
Cautious
Trust
USD
2025-06-06
563,558
68,014
495,544
1
49
39
0
12
VNQ:21.9%;VTI:23.1%;IEF:23.1%;XLF:23.0%;MUB:8.9%
US:62.4;EU:13.0;APAC:15.4;EM:3.8;Other:5.4
Value:+0.8;Growth:+0.6;Quality:+0.4;Size:-0.3;Momentum:-1.0;LowVol:+0.6
ESGOnly;NoDerivatives;NoMargin
5
25
3.6
trailing 8%
133
12.5
Volatile
28.4
4.4
3.4
157
38
60
63
false
Buy
Add to core equity +1%
-15
-18
BrokerB
LMT
93
null
null
Normal monitoring
-46
-32
-53
4
false
Tighten stops on momentum names
P6726
Cautious
401k
USD
2025-04-02
270,525
25,863
244,662
1
42.7
32.3
9.7
15.3
VTI:21.0%;BRK.B:19.5%;HYG:21.0%;BND:21.0%;VNQ:17.4%
US:68.4;EU:9.3;APAC:13.3;EM:7.7;Other:1.3
Value:+0.3;Growth:-0.9;Quality:-0.9;Size:-0.9;Momentum:-0.6;LowVol:-0.4
ESGOnly;NoMargin
6
30
4.6
trailing 8%
169
13.7
Sideways
21.1
3.84
2.8
106
59
74
52
false
Rebalance
Shift +1% to bonds from equity
18
-6
BrokerB
LMT
90
null
null
Normal monitoring
17
20
24
4
false
Increase defensive factor exposure
P6727
Active
Trust
USD
2025-01-06
1,809,435
207,130
1,602,305
1.15
62.5
24.1
7.7
5.7
BND:22.8%;MUB:21.5%;IEF:22.8%;XLF:17.0%;AMZN:15.9%
US:65.1;EU:18.5;APAC:8.3;EM:6.4;Other:1.7
Value:+0.1;Growth:+0.8;Quality:-0.9;Size:-0.8;Momentum:-0.3;LowVol:+0.2
null
10
35
4.4
trailing 8%
140
23.5
Bear
34.5
3.83
2.3
207
-47
16
83
true
Hedge
Buy index puts 1% notional
4
-5
BrokerA
MKT
97
VAR>budget
Reduce
Risk above budget threshold
-24
3
-56
5
false
Tax-aware sells next window
P6728
Opportunistic
Roth
USD
2025-06-07
683,215
21,303
661,912
1
62.1
17.6
14.7
5.6
TLT:18.6%;MUB:21.8%;GLD:17.4%;VTI:11.7%;VNQ:13.5%;BND:17.0%
US:62.1;EU:13.1;APAC:15.5;EM:7.4;Other:2.0
Value:+0.1;Growth:-0.3;Quality:-0.6;Size:-0.3;Momentum:+0.6;LowVol:-0.2
NoDerivatives
7
35
4.7
trailing 9%
214
20.5
Bear
29.9
3.26
1.2
143
-16
43
86
true
Reduce
Cut high-beta by 2-3%, add cash
0
-7
BrokerC
LMT
92
VAR>budget
TightenStops
Risk above budget threshold
-21
-48
74
2
false
Tighten stops on momentum names
P6729
Opportunistic
IRA
USD
2025-06-24
1,781,744
117,682
1,664,062
1
76.8
18.5
0.4
4.3
BND:33.3%;VTI:33.3%;TLT:33.3%
US:75.9;EU:7.1;APAC:8.6;EM:8.0;Other:0.5
Value:-0.7;Growth:+0.8;Quality:+0.5;Size:-0.6;Momentum:+0.6;LowVol:+0.5
null
7
25
4.5
trailing 9%
174
31.2
Volatile
22.4
4.93
2.8
157
17
53
62
false
Rebalance
Shift +1% to bonds from equity
27
-28
BrokerB
MKT
97
null
null
Normal monitoring
-59
5
-33
3
false
Within IPS guidelines
P6730
Hands-off
401k
USD
2025-06-25
400,956
34,420
366,536
1
68.8
21.3
3.1
6.8
MSFT:33.3%;QQQ:33.3%;BND:33.3%
US:65.9;EU:19.0;APAC:5.3;EM:5.0;Other:4.8
Value:+0.7;Growth:+0.3;Quality:-0.7;Size:+0.1;Momentum:-0.6;LowVol:-0.7
null
7
35
4.3
trailing 10%
138
18.5
Bull
15.1
4.03
3
104
20
46
42
false
Rebalance
Shift +1% to bonds from equity
8
-27
BrokerD
LMT
96
null
null
Normal monitoring
56
-14
87
3
false
Within IPS guidelines
P6731
Systematic
IRA
USD
2025-09-13
608,976
42,762
566,214
1
58.9
22.2
10.1
8.8
VNQ:21.5%;QQQ:21.5%;VTI:7.6%;VOO:17.2%;AAPL:10.6%;HYG:21.5%
US:74.8;EU:13.3;APAC:6.5;EM:4.2;Other:1.2
Value:-0.2;Growth:+1.0;Quality:-0.3;Size:+0.5;Momentum:-0.8;LowVol:+0.4
null
6
25
4.9
hard 12%
211
23.5
Sideways
19.4
4.11
2.5
106
-19
47
56
true
Hedge
Buy index puts 1% notional
-10
-14
BrokerD
MKT
94
VAR>budget
Hedge
Risk above budget threshold
92
-28
98
3
true
Tax-aware sells next window
P6732
Cautious
IRA
USD
2024-11-21
436,022
35,969
400,053
1
44.2
35.1
9
11.7
QQQ:24.8%;MUB:19.4%;AAPL:27.9%;GLD:27.9%
US:68.3;EU:9.9;APAC:7.2;EM:12.2;Other:2.3
Value:-1.0;Growth:-0.6;Quality:+0.6;Size:+0.1;Momentum:-0.3;LowVol:-0.2
NoMargin
10
35
3.9
trailing 8%
147
16.8
Sideways
15.1
3.76
2.4
118
8
65
28
false
Buy
Add to core equity +1%
12
-4
BrokerB
MKT
86
null
null
Normal monitoring
-41
-26
83
3
false
Increase defensive factor exposure
P6733
Opportunistic
401k
USD
2024-07-11
614,272
23,423
590,849
1.06
65.3
17.2
9.2
8.3
TLT:33.3%;GLD:33.3%;QQQ:33.3%
US:70.8;EU:8.7;APAC:10.1;EM:7.0;Other:3.4
Value:+0.8;Growth:-0.0;Quality:-0.9;Size:+0.1;Momentum:-0.7;LowVol:-0.3
null
5
25
4.9
trailing 9%
187
32.5
Bull
15.2
4.24
2.1
112
25
54
55
false
Buy
Add to core equity +1%
5
-30
BrokerD
MKT
93
null
null
Normal monitoring
87
15
54
4
false
Tighten stops on momentum names
P6734
Opportunistic
401k
USD
2025-10-15
1,367,709
42,419
1,325,290
1.15
74.9
10.8
7.1
7.1
AMZN:33.3%;BRK.B:33.3%;TLT:33.3%
US:68.2;EU:12.4;APAC:11.4;EM:3.4;Other:4.5
Value:+0.5;Growth:-0.2;Quality:+0.2;Size:+0.5;Momentum:-0.8;LowVol:+0.9
MaxPos7%;NoDerivatives
8
30
5.9
trailing 7%
235
24.2
Bear
27.2
4.09
1.5
175
-71
5
78
true
Reduce
Cut high-beta by 2-3%, add cash
-11
-24
BrokerD
MKT
88
VAR>budget
Pause
Risk above budget threshold
-23
-4
70
4
true
Tighten stops on momentum names
P6735
Active
Trust
USD
2024-11-10
2,197,648
215,105
1,982,543
1
66.7
24.2
4
5
GLD:24.7%;QQQ:25.1%;BRK.B:25.1%;HYG:25.1%
US:71.5;EU:6.3;APAC:7.9;EM:8.6;Other:5.8
Value:-0.5;Growth:-0.5;Quality:-0.0;Size:-1.0;Momentum:-0.5;LowVol:-0.5
NoDerivatives
10
25
5.6
trailing 8%
175
26
Volatile
26.9
4.34
4.1
119
-44
30
81
true
Rebalance
Rebalance back to target bands
-13
-5
BrokerC
MKT
97
VAR>budget
Hedge
Risk above budget threshold
-21
12
50
2
false
Tighten stops on momentum names
P6736
Cautious
Taxable
USD
2025-12-02
248,796
37,552
211,244
1
39.2
44.1
5.9
10.9
HYG:33.3%;BND:33.3%;TLT:33.3%
US:58.8;EU:20.0;APAC:8.9;EM:10.1;Other:2.3
Value:+0.5;Growth:-0.2;Quality:+0.1;Size:-0.1;Momentum:-0.2;LowVol:-0.6
ESGOnly;NoMargin
5
30
5.1
trailing 8%
170
16.4
Volatile
21.8
3.93
3.8
150
76
75
46
false
Buy
Add to core equity +1%
25
-33
BrokerB
LMT
89
null
null
Normal monitoring
1
12
-2
3
false
Tighten stops on momentum names
P6737
Opportunistic
Roth
USD
2025-10-03
937,759
81,652
856,107
1
69.1
11
13.8
6.2
VNQ:31.1%;BRK.B:34.5%;TLT:34.5%
US:69.9;EU:6.5;APAC:11.0;EM:9.7;Other:2.8
Value:-0.6;Growth:+0.4;Quality:0.0;Size:-0.3;Momentum:+0.1;LowVol:-0.9
MaxPos7%
5
35
4.9
trailing 9%
169
23.8
Sideways
19.9
4.7
3.5
138
-27
47
60
false
Buy
Add to core equity +1%
-3
-15
BrokerA
LMT
97
null
null
Normal monitoring
69
-58
40
5
false
Tax-aware sells next window
P6738
Hands-off
Roth
USD
2025-04-20
620,747
41,901
578,846
1
68.1
22.1
0
9.8
XLF:26.2%;TLT:26.2%;QQQ:26.2%;VNQ:21.4%
US:64.0;EU:13.0;APAC:12.1;EM:5.7;Other:5.2
Value:+0.5;Growth:+0.8;Quality:+0.8;Size:+0.3;Momentum:+0.7;LowVol:-0.4
ESGOnly
8
35
3.8
hard 10%
149
13.2
Volatile
26.4
3.95
2.9
130
28
55
81
true
Rebalance
Rebalance back to target bands
-15
-8
BrokerA
VWAP
91
Drift>tolerance
Hedge
Allocation drift beyond policy bands
20
19
-5
4
false
Within IPS guidelines
P6739
Cautious
401k
USD
2025-08-05
679,408
73,000
606,408
1
36
31.7
20.9
11.4
BND:19.6%;BRK.B:9.5%;GLD:21.2%;TLT:21.2%;HYG:21.2%;MUB:7.3%
US:67.9;EU:16.2;APAC:7.2;EM:8.3;Other:0.5
Value:-0.1;Growth:-0.7;Quality:+0.5;Size:+0.5;Momentum:+1.0;LowVol:-0.9
NoDerivatives;NoMargin
7
25
5.3
trailing 8%
135
19.7
Bear
22.3
3.48
1.7
132
-59
23
46
false
NoAction
Within bands; monitor
8
9
BrokerC
MKT
0
null
null
Normal monitoring
-59
-10
74
3
false
Tax-aware sells next window
P6740
Hands-off
Taxable
USD
2024-10-19
771,283
38,695
732,588
1
67.8
20.5
5.8
6
TSLA:25.0%;BND:25.0%;VTI:25.0%;MSFT:25.0%
US:64.9;EU:18.4;APAC:10.7;EM:3.7;Other:2.3
Value:-0.5;Growth:+0.3;Quality:0.0;Size:-0.5;Momentum:-1.0;LowVol:+0.6
null
7
30
3.1
trailing 8%
139
17.6
Bull
17.4
4.02
3.3
73
61
82
50
false
Buy
Add to core equity +1%
-9
-2
BrokerC
LMT
88
null
null
Normal monitoring
-15
-8
20
3
false
Monitor dispersion and breadth
P6741
Cautious
Taxable
USD
2025-05-16
680,128
98,730
581,398
1
43.9
41.6
0
14.5
MUB:20.7%;GLD:20.7%;TSLA:20.7%;TLT:17.6%;IEF:13.8%;VTI:6.3%
US:67.1;EU:12.9;APAC:10.9;EM:7.4;Other:1.7
Value:-0.9;Growth:+0.3;Quality:+0.4;Size:-0.5;Momentum:-0.4;LowVol:-0.5
NoMargin
8
25
4.3
hard 10%
158
18.3
Bear
28.1
4.06
2.1
208
19
61
71
true
Reduce
Cut high-beta by 2-3%, add cash
33
6
BrokerB
MKT
87
Drift>tolerance
Reduce
Allocation drift beyond policy bands
15
15
29
2
false
Within IPS guidelines
P6742
Hands-off
IRA
USD
2024-11-27
218,249
20,144
198,105
1
63.4
21.2
6.8
8.7
VNQ:17.9%;XLF:20.0%;AMZN:19.3%;MUB:21.4%;IEF:21.4%
US:68.1;EU:9.0;APAC:12.1;EM:9.7;Other:1.1
Value:+0.3;Growth:-0.4;Quality:-0.3;Size:-0.8;Momentum:-0.1;LowVol:-0.1
MaxPos5%
10
25
5.8
trailing 10%
112
15.4
Volatile
22.9
3.82
4.5
164
60
72
73
true
Hedge
Buy index puts 1% notional
-15
-32
BrokerA
LMT
93
Drift>tolerance
Hedge
Allocation drift beyond policy bands
-15
-60
124
2
false
Tighten stops on momentum names
P6743
Active
Taxable
USD
2025-12-12
1,622,531
117,895
1,504,636
1
56.2
27.4
9.9
6.6
QQQ:17.1%;BND:16.0%;VTI:25.8%;VNQ:25.8%;AMZN:15.3%
US:63.6;EU:11.7;APAC:8.8;EM:13.2;Other:2.7
Value:-0.1;Growth:+1.0;Quality:-0.1;Size:+0.1;Momentum:+0.6;LowVol:-0.7
null
5
30
4
trailing 8%
126
26
Bull
16.9
3.91
2.9
94
99
100
53
false
Rebalance
Shift +1% to bonds from equity
0
-5
BrokerA
LMT
91
null
null
Normal monitoring
44
-56
82
3
false
Within IPS guidelines
P6744
Hands-off
Roth
USD
2025-05-05
456,105
30,745
425,360
1
55.5
21.9
13.2
9.4
IEF:33.3%;HYG:33.3%;VOO:33.3%
US:62.4;EU:14.9;APAC:9.3;EM:8.8;Other:4.6
Value:-0.1;Growth:-0.9;Quality:+0.9;Size:+0.1;Momentum:-0.3;LowVol:+0.8
null
7
30
3
hard 10%
118
17.9
Bull
11.3
4.71
3.4
82
9
69
30
false
Hedge
Add TLT +1% as duration hedge
9
-1
BrokerA
MKT
94
null
null
Normal monitoring
48
-47
34
3
false
Tax-aware sells next window
P6745
Active
IRA
USD
2024-08-30
2,466,068
295,161
2,170,907
1.17
54.1
25.7
13.2
6.9
AMZN:22.0%;VTI:11.0%;XLF:22.3%;BRK.B:22.3%;IEF:22.3%
US:65.8;EU:18.6;APAC:10.0;EM:3.2;Other:2.4
Value:-0.7;Growth:+0.5;Quality:+0.8;Size:+0.7;Momentum:+0.9;LowVol:+0.5
MaxPos6%
6
25
5.5
trailing 8%
197
17.9
Bull
11
4.82
3.4
92
55
84
29
false
Sell
Trim extended winner -1%
26
-9
BrokerA
VWAP
96
null
null
Normal monitoring
-39
3
-26
3
false
Tighten stops on momentum names
P6746
Hands-off
Taxable
USD
2025-08-23
819,817
68,577
751,240
1
68.4
25.2
0
6.4
TLT:26.7%;VNQ:26.7%;MSFT:19.9%;XLF:26.7%
US:67.2;EU:17.5;APAC:8.6;EM:5.2;Other:1.4
Value:-0.0;Growth:+0.7;Quality:-0.6;Size:-0.9;Momentum:+0.2;LowVol:+0.1
ESGOnly;NoDerivatives
6
35
5.2
trailing 10%
122
16.5
Volatile
27
3.77
3.1
166
38
71
83
true
Rebalance
Rebalance back to target bands
15
-4
BrokerC
LMT
98
VAR>budget
Hedge
Risk above budget threshold
-32
-44
44
3
false
Tax-aware sells next window
P6747
Hands-off
Taxable
USD
2025-03-09
863,154
38,180
824,974
1
58
24.6
11.2
6.2
TLT:16.2%;VTI:20.6%;VNQ:21.4%;MSFT:21.4%;BRK.B:20.4%
US:70.2;EU:11.6;APAC:8.6;EM:7.2;Other:2.4
Value:-0.9;Growth:+0.7;Quality:+0.8;Size:-0.4;Momentum:-0.4;LowVol:-1.0
NoDerivatives
8
25
4.1
trailing 8%
122
15
Bull
14.9
4.05
2.6
92
12
55
34
false
Rebalance
Shift +1% to bonds from equity
-5
6
BrokerA
VWAP
95
null
null
Normal monitoring
-14
-39
-43
4
false
Increase defensive factor exposure
P6748
Systematic
Trust
USD
2025-11-16
1,505,329
75,181
1,430,148
1
69.1
21.7
0.7
8.5
TSLA:23.0%;BRK.B:11.8%;VOO:19.3%;MSFT:23.0%;AMZN:23.0%
US:64.3;EU:14.5;APAC:12.9;EM:6.1;Other:2.1
Value:-0.8;Growth:+0.6;Quality:+0.9;Size:+0.8;Momentum:-0.2;LowVol:-0.5
MaxPos8%;NoDerivatives
6
30
4.8
hard 12%
188
18.3
Volatile
29.2
3.55
4.2
157
28
61
75
true
Hedge
Buy index puts 1% notional
-6
-4
BrokerC
VWAP
93
Drift>tolerance
TightenStops
Allocation drift beyond policy bands
16
-60
31
2
true
Tighten stops on momentum names
P6749
Hands-off
Roth
USD
2025-09-27
489,232
40,218
449,014
1
58.2
25.4
9.8
6.5
AMZN:33.3%;MUB:33.3%;IEF:33.3%
US:64.3;EU:17.9;APAC:12.9;EM:4.8;Other:0.1
Value:+1.0;Growth:-1.0;Quality:-0.2;Size:+0.4;Momentum:+0.8;LowVol:+0.6
ESGOnly;MaxPos8%
5
35
5.9
trailing 10%
111
17.9
Sideways
19.9
4.26
3
112
-24
34
61
false
Rebalance
Shift +1% to bonds from equity
14
-4
BrokerC
LMT
88
null
null
Normal monitoring
-42
-22
57
4
false
Increase defensive factor exposure
P6750
Opportunistic
IRA
USD
2024-07-29
1,100,304
38,881
1,061,423
1
75
18.8
1
5.1
AMZN:20.5%;XLF:20.5%;TSLA:19.2%;AAPL:20.5%;VTI:19.3%
US:73.4;EU:12.6;APAC:6.9;EM:6.7;Other:0.5
Value:-0.3;Growth:+0.8;Quality:-0.8;Size:-0.3;Momentum:+0.9;LowVol:-0.1
MaxPos8%;NoDerivatives
8
25
6.1
hard 12%
258
31
Bull
13.8
4.95
3.2
115
112
100
58
false
Hedge
Add TLT +1% as duration hedge
15
13
BrokerC
LMT
89
null
null
Normal monitoring
58
-60
189
5
false
Monitor dispersion and breadth
P6751
Active
Trust
USD
2024-09-03
1,272,379
151,421
1,120,958
1
64.6
24.2
3.1
8
MSFT:21.5%;MUB:30.1%;TSLA:18.3%;VNQ:30.1%
US:62.4;EU:15.6;APAC:11.6;EM:7.2;Other:3.2
Value:+0.2;Growth:-0.3;Quality:+0.5;Size:+0.1;Momentum:+0.5;LowVol:+0.5
NoDerivatives
8
25
5
hard 12%
133
18.9
Bull
16.1
5
3.4
107
72
94
41
false
Sell
Trim extended winner -1%
-12
-37
BrokerC
MKT
91
null
null
Normal monitoring
-44
-53
5
3
false
Monitor dispersion and breadth
P6752
Opportunistic
Taxable
USD
2025-09-07
489,398
23,097
466,301
1
63.4
17.5
14.7
4.4
AAPL:24.3%;QQQ:24.3%;VTI:13.6%;BRK.B:13.4%;VNQ:24.3%
US:70.9;EU:17.1;APAC:7.8;EM:3.8;Other:0.5
Value:-0.7;Growth:+0.9;Quality:+0.4;Size:+0.1;Momentum:+0.5;LowVol:+0.7
NoDerivatives
6
30
4.3
trailing 7%
262
24.6
Volatile
26.8
3.96
2.6
166
24
49
78
true
Hedge
Buy index puts 1% notional
13
13
BrokerB
MKT
90
Drift>tolerance
Hedge
Allocation drift beyond policy bands
106
6
186
4
false
Monitor dispersion and breadth
P6753
Hands-off
Taxable
USD
2025-09-04
364,954
35,159
329,795
1
67.1
27.5
0
5.4
MSFT:33.3%;AAPL:33.3%;BRK.B:33.3%
US:60.2;EU:10.5;APAC:13.6;EM:13.6;Other:2.0
Value:+0.3;Growth:+0.8;Quality:+0.4;Size:-0.5;Momentum:+0.3;LowVol:-0.7
MaxPos7%
8
25
4.8
trailing 8%
140
13.7
Bull
17.2
3.7
2.6
118
94
100
56
false
NoAction
Within bands; monitor
-6
-27
BrokerC
LMT
93
null
null
Normal monitoring
44
-9
25
5
false
Tax-aware sells next window
P6754
Systematic
Trust
USD
2025-08-08
525,092
43,232
481,860
1
65.8
28.2
0
6
MSFT:33.3%;GLD:33.3%;XLF:33.3%
US:62.4;EU:13.8;APAC:6.8;EM:13.1;Other:3.9
Value:-0.3;Growth:-0.7;Quality:+0.5;Size:+0.1;Momentum:-0.1;LowVol:-0.8
NoDerivatives
8
25
4
trailing 8%
192
24.7
Volatile
31.4
4.65
2
141
-1
53
85
true
Hedge
Buy index puts 1% notional
29
-25
BrokerA
LMT
99
RegimeShift
Hedge
Volatility spike and breadth deterioration
92
-5
101
2
true
Monitor dispersion and breadth
P6755
Opportunistic
401k
USD
2025-06-20
556,251
44,473
511,778
1
64.8
21.7
5.6
7.9
HYG:25.4%;BND:23.9%;QQQ:25.4%;XLF:25.4%
US:65.4;EU:14.1;APAC:10.8;EM:6.9;Other:2.8
Value:-0.9;Growth:-0.2;Quality:-0.3;Size:-0.4;Momentum:-0.2;LowVol:+0.2
NoDerivatives
7
25
5.9
trailing 7%
182
28.2
Bull
11.5
3.79
3
108
64
97
50
false
Sell
Trim extended winner -1%
18
10
BrokerA
LMT
93
null
null
Normal monitoring
-2
-10
76
5
false
Tighten stops on momentum names
P6756
Cautious
IRA
USD
2024-08-08
854,655
77,691
776,964
1
35.6
33.9
16
14.5
TSLA:21.7%;MUB:19.3%;AMZN:14.3%;XLF:22.3%;QQQ:22.3%
US:64.7;EU:12.2;APAC:10.8;EM:10.0;Other:2.2
Value:+0.7;Growth:+0.9;Quality:+0.2;Size:-0.6;Momentum:+0.6;LowVol:-0.7
ESGOnly;NoMargin
6
35
3.4
trailing 8%
99
19.9
Sideways
18.5
4.84
2.8
93
19
58
36
false
Hedge
Add TLT +1% as duration hedge
33
-40
BrokerC
MKT
91
null
null
Normal monitoring
57
-54
84
4
false
Tax-aware sells next window
P6757
Active
Taxable
USD
2025-07-05
1,731,927
177,695
1,554,232
1.15
67.8
25.6
0
6.6
VTI:28.1%;HYG:28.1%;GLD:15.8%;MSFT:28.1%
US:68.1;EU:13.0;APAC:9.0;EM:4.9;Other:5.0
Value:-0.4;Growth:-0.7;Quality:+0.9;Size:+0.7;Momentum:+0.2;LowVol:+0.3
MaxPos8%;NoDerivatives
7
35
4.4
trailing 9%
190
26.4
Sideways
17.9
4.66
2.6
137
34
59
58
false
Buy
Add to core equity +1%
34
-6
BrokerC
LMT
86
null
null
Normal monitoring
-54
1
14
5
false
Within IPS guidelines
P6758
Opportunistic
Trust
USD
2025-08-09
673,894
43,744
630,150
1.14
60
21
12.8
6.2
AMZN:16.4%;HYG:15.6%;XLF:22.7%;VNQ:22.7%;MUB:22.7%
US:72.4;EU:9.7;APAC:8.9;EM:7.8;Other:1.2
Value:+0.1;Growth:-0.9;Quality:0.0;Size:-0.9;Momentum:+0.4;LowVol:-0.0
MaxPos6%;NoDerivatives
6
25
5.5
trailing 9%
177
32.3
Volatile
22.9
3.94
3.6
141
29
54
60
false
Rebalance
Shift +1% to bonds from equity
13
4
BrokerA
VWAP
100
null
null
Normal monitoring
19
2
-5
3
false
Within IPS guidelines
P6759
Opportunistic
Roth
USD
2025-02-04
1,762,940
106,647
1,656,293
1
74.2
20.3
0
5.5
VOO:20.1%;HYG:23.0%;BRK.B:23.0%;GLD:23.0%;MUB:10.9%
US:57.9;EU:15.0;APAC:13.9;EM:8.3;Other:4.8
Value:+0.6;Growth:+0.5;Quality:+0.9;Size:+0.4;Momentum:+0.9;LowVol:+1.0
MaxPos8%
7
30
4.2
trailing 9%
176
27.6
Bull
14
4.6
3.4
107
43
69
42
false
Rebalance
Shift +1% to bonds from equity
32
15
BrokerC
VWAP
97
null
null
Normal monitoring
36
-28
54
4
false
Tax-aware sells next window
P6760
Active
IRA
USD
2025-12-07
718,577
85,135
633,442
1.17
62.7
28.8
0
8.5
BND:30.7%;TLT:34.7%;XLF:34.7%
US:64.7;EU:13.2;APAC:7.9;EM:9.9;Other:4.3
Value:-0.7;Growth:+0.9;Quality:-0.1;Size:-0.9;Momentum:+0.2;LowVol:-0.9
null
5
30
4.4
trailing 8%
189
18.3
Sideways
16.8
4.67
2.7
107
-18
46
50
false
Sell
Trim extended winner -1%
24
-1
BrokerB
MKT
93
null
null
Normal monitoring
-16
-14
73
4
false
Tighten stops on momentum names
P6761
Systematic
401k
USD
2025-10-22
807,366
42,187
765,179
1
60.2
22.9
10
6.9
XLF:22.9%;QQQ:22.9%;VOO:21.0%;VNQ:22.9%;AMZN:10.3%
US:72.3;EU:6.4;APAC:14.4;EM:5.6;Other:1.3
Value:-0.9;Growth:-0.2;Quality:-0.1;Size:-0.1;Momentum:-0.1;LowVol:+0.6
MaxPos6%
5
25
4.3
hard 12%
194
19.4
Sideways
21.8
4.51
3.5
124
-27
27
68
false
Sell
Trim extended winner -1%
-1
1
BrokerB
MKT
95
null
null
Normal monitoring
105
-30
80
4
false
Within IPS guidelines
P6762
Hands-off
Roth
USD
2025-11-03
415,225
29,356
385,869
1
60.4
23.6
6.6
9.4
TLT:20.9%;MSFT:30.0%;AMZN:30.0%;TSLA:19.1%
US:62.4;EU:12.9;APAC:13.7;EM:7.6;Other:3.3
Value:+0.9;Growth:-0.9;Quality:+0.3;Size:-0.5;Momentum:-0.5;LowVol:0.0
ESGOnly;NoDerivatives
8
35
3
hard 10%
106
17.8
Bull
12.4
4.4
2.7
103
48
70
36
false
Rebalance
Shift +1% to bonds from equity
1
-3
BrokerB
LMT
95
null
null
Normal monitoring
-2
6
-22
3
false
Monitor dispersion and breadth
P6763
Systematic
Trust
USD
2025-05-03
1,484,011
97,935
1,386,076
1
62.1
30.3
0
7.6
BRK.B:17.5%;AAPL:13.5%;GLD:15.5%;QQQ:21.1%;IEF:11.4%;VOO:21.1%
US:69.4;EU:8.4;APAC:14.4;EM:6.8;Other:0.9
Value:+0.5;Growth:+0.2;Quality:+0.5;Size:+0.4;Momentum:+0.6;LowVol:-0.7
NoDerivatives
5
25
5.3
hard 12%
171
16.2
Bear
26.9
4.01
2.6
162
8
48
74
true
Rebalance
Rebalance back to target bands
14
-4
BrokerA
MKT
100
RegimeShift
Hedge
Volatility spike and breadth deterioration
58
-33
148
3
false
Monitor dispersion and breadth
P6764
Cautious
Trust
USD
2025-03-13
176,602
22,390
154,212
1
45.8
40
0
14.1
VNQ:21.2%;VTI:13.6%;AMZN:10.4%;MSFT:19.0%;HYG:14.5%;BND:21.2%
US:65.5;EU:8.3;APAC:14.7;EM:10.8;Other:0.7
Value:-0.9;Growth:+0.6;Quality:-0.2;Size:-0.7;Momentum:+0.4;LowVol:0.0
ESGOnly;MaxPos5%;NoMargin
5
25
3.9
trailing 8%
141
19.6
Volatile
24.8
3.56
3.4
151
-41
44
54
false
Hedge
Add TLT +1% as duration hedge
8
-7
BrokerD
MKT
91
null
null
Normal monitoring
22
0
55
3
false
Within IPS guidelines
P6765
Active
IRA
USD
2025-09-16
843,296
66,375
776,921
1
65.8
25.2
0
9
BRK.B:33.3%;MUB:33.3%;GLD:33.3%
US:62.5;EU:17.5;APAC:12.3;EM:5.4;Other:2.3
Value:-0.6;Growth:+0.9;Quality:+0.3;Size:-0.5;Momentum:-0.3;LowVol:-0.0
null
8
30
5.7
hard 12%
165
22
Bull
14
3.61
2.1
87
50
76
49
false
NoAction
Within bands; monitor
14
-4
BrokerB
LMT
86
null
null
Normal monitoring
46
-8
57
4
false
Within IPS guidelines
P6766
Active
401k
USD
2025-04-07
2,190,158
175,661
2,014,497
1
62.9
27.1
4.7
5.3
VOO:33.3%;GLD:33.3%;BND:33.3%
US:65.2;EU:18.4;APAC:11.9;EM:3.3;Other:1.2
Value:+0.4;Growth:-0.3;Quality:+0.9;Size:+0.9;Momentum:+0.9;LowVol:+0.6
MaxPos5%
6
30
5.1
trailing 9%
128
19.4
Volatile
21.5
4.42
3.4
158
-5
44
64
false
Buy
Add to core equity +1%
-2
-16
BrokerA
LMT
92
null
null
Normal monitoring
55
16
123
4
false
Monitor dispersion and breadth
P6767
Active
IRA
USD
2025-06-29
1,566,820
152,859
1,413,961
1
66.8
24.6
0.7
7.9
TLT:15.0%;GLD:9.5%;VNQ:20.8%;HYG:20.0%;AAPL:20.6%;VOO:14.1%
US:61.0;EU:17.0;APAC:14.9;EM:3.3;Other:3.8
Value:+0.6;Growth:-0.9;Quality:+0.7;Size:-0.7;Momentum:-0.6;LowVol:-0.7
MaxPos7%
10
25
4.3
trailing 8%
165
20.1
Volatile
24.7
3.63
4.5
151
39
54
62
false
Rebalance
Shift +1% to bonds from equity
-5
-26
BrokerC
VWAP
87
null
null
Normal monitoring
31
-21
-2
4
false
Tighten stops on momentum names
P6768
Cautious
Trust
USD
2025-12-18
311,862
32,890
278,972
1
35.2
32.2
19.1
13.5
XLF:33.3%;IEF:33.3%;MSFT:33.3%
US:70.3;EU:7.6;APAC:10.7;EM:10.0;Other:1.4
Value:+0.5;Growth:+0.2;Quality:+0.1;Size:-0.7;Momentum:-0.6;LowVol:+0.1
MaxPos7%;NoMargin
8
30
5.2
hard 10%
135
14.1
Sideways
14.9
4.99
2.1
137
8
40
30
false
Sell
Trim extended winner -1%
22
-17
BrokerA
LMT
86
null
null
Normal monitoring
-16
-56
-18
4
false
Within IPS guidelines
P6769
Active
401k
USD
2024-08-22
547,877
61,714
486,163
1.08
61.5
29.5
0
9
HYG:12.0%;AAPL:12.7%;TSLA:25.1%;MUB:25.1%;VNQ:25.1%
US:71.5;EU:10.5;APAC:8.0;EM:8.2;Other:1.8
Value:+0.5;Growth:+1.0;Quality:-0.2;Size:+0.5;Momentum:-0.6;LowVol:-0.8
null
5
30
5.7
hard 12%
206
23.2
Bull
14.9
3.86
2.1
113
113
100
41
false
Hedge
Add TLT +1% as duration hedge
21
-28
BrokerD
MKT
87
null
null
Normal monitoring
-54
-29
-91
4
false
Tax-aware sells next window
P6770
Cautious
IRA
USD
2024-12-11
378,517
35,518
342,999
1
43.8
34.8
4.9
16.5
VTI:24.1%;BRK.B:14.3%;AMZN:13.5%;XLF:24.1%;QQQ:24.1%
US:74.9;EU:7.4;APAC:14.0;EM:3.7;Other:0.0
Value:+0.7;Growth:+0.4;Quality:+0.8;Size:+0.6;Momentum:-0.0;LowVol:+0.9
ESGOnly;NoMargin
10
30
4.2
trailing 8%
92
12.4
Bear
22.4
3.22
2.8
196
-97
7
46
false
Hedge
Add TLT +1% as duration hedge
35
-3
BrokerC
MKT
92
null
null
Normal monitoring
-30
-59
-22
3
false
Tighten stops on momentum names
P6771
Opportunistic
Trust
USD
2025-09-22
1,064,538
73,611
990,927
1
73.2
14.2
6.9
5.7
TLT:19.7%;GLD:18.2%;VNQ:31.0%;MSFT:31.0%
US:65.2;EU:12.7;APAC:11.4;EM:8.0;Other:2.7
Value:+0.8;Growth:+0.4;Quality:-0.7;Size:+0.4;Momentum:+1.0;LowVol:-0.6
null
10
25
7
hard 12%
191
26
Volatile
31.5
5.47
2.8
132
41
61
83
true
Hedge
Buy index puts 1% notional
33
-28
BrokerA
MKT
86
Drift>tolerance
TightenStops
Allocation drift beyond policy bands
-23
17
51
5
false
Tighten stops on momentum names
P6772
Cautious
401k
USD
2024-07-16
524,157
59,769
464,388
1
48.1
35
1.9
14.9
XLF:16.5%;BRK.B:13.1%;VNQ:19.0%;AMZN:19.6%;TLT:11.1%;GLD:20.6%
US:67.5;EU:14.1;APAC:5.5;EM:9.4;Other:3.4
Value:-0.9;Growth:-0.8;Quality:+0.3;Size:-1.0;Momentum:-0.5;LowVol:-0.6
ESGOnly;NoMargin
5
25
5.8
trailing 8%
115
19.5
Volatile
28.1
4.77
4.3
159
36
56
61
false
Hedge
Add TLT +1% as duration hedge
12
11
BrokerC
LMT
89
null
null
Normal monitoring
-39
-4
71
3
false
Tax-aware sells next window
P6773
Cautious
Taxable
USD
2025-11-09
709,959
105,508
604,451
1
43.5
36.8
5.3
14.4
TSLA:26.3%;TLT:21.1%;BND:26.3%;MUB:26.3%
US:70.9;EU:8.6;APAC:7.0;EM:9.5;Other:4.1
Value:0.0;Growth:-0.4;Quality:+0.5;Size:+0.2;Momentum:+0.1;LowVol:+0.3
MaxPos5%;NoDerivatives;NoMargin
10
35
5.3
trailing 10%
92
12.9
Bull
12.6
3.6
3.4
72
106
100
41
false
Sell
Trim extended winner -1%
-11
2
BrokerD
MKT
85
null
null
Normal monitoring
-53
-48
71
3
false
Monitor dispersion and breadth
P6774
Cautious
Taxable
USD
2025-08-10
454,571
50,404
404,167
1
41.8
33.6
14.6
10.1
MSFT:22.2%;AMZN:14.9%;VOO:22.2%;AAPL:8.5%;TSLA:18.1%;IEF:14.1%
US:68.6;EU:17.2;APAC:5.9;EM:3.9;Other:4.5
Value:-0.3;Growth:-0.8;Quality:0.0;Size:-0.4;Momentum:+0.7;LowVol:0.0
MaxPos7%;NoMargin
6
30
5.7
trailing 10%
157
18
Bull
14.8
4.82
2.1
71
84
81
39
false
NoAction
Within bands; monitor
-9
-38
BrokerA
MKT
0
null
null
Normal monitoring
-7
17
101
4
false
Monitor dispersion and breadth
P6775
Cautious
401k
USD
2025-08-28
166,374
14,204
152,170
1
41.2
44.6
3.1
11.2
IEF:12.9%;BND:18.5%;TSLA:11.9%;VNQ:13.8%;MSFT:21.5%;GLD:21.5%
US:62.5;EU:19.0;APAC:11.3;EM:6.7;Other:0.5
Value:+0.8;Growth:-0.5;Quality:-0.3;Size:-0.9;Momentum:+0.6;LowVol:-0.9
MaxPos7%;NoDerivatives;NoMargin
10
30
4.7
hard 10%
142
12.2
Sideways
21.5
3.63
3.4
105
-28
31
41
false
Rebalance
Shift +1% to bonds from equity
-11
-36
BrokerB
MKT
87
null
null
Normal monitoring
82
-20
112
5
false
Tighten stops on momentum names
P6776
Cautious
Roth
USD
2025-08-09
478,229
52,959
425,270
1
37.6
42.6
6
13.9
GLD:7.3%;BRK.B:13.1%;IEF:22.0%;AMZN:22.0%;TSLA:13.5%;BND:22.0%
US:62.5;EU:15.0;APAC:9.5;EM:9.4;Other:3.7
Value:+0.3;Growth:+0.4;Quality:-0.0;Size:+0.8;Momentum:-0.6;LowVol:+0.7
MaxPos6%;NoMargin
5
25
3.2
hard 10%
136
12.8
Volatile
28.9
3.71
3.1
129
25
63
62
false
Sell
Trim extended winner -1%
20
-39
BrokerA
LMT
87
null
null
Normal monitoring
-59
-59
81
5
false
Within IPS guidelines
P6777
Cautious
IRA
USD
2025-03-09
207,360
18,619
188,741
1
40.6
35.9
11.6
11.9
BRK.B:21.7%;VTI:21.5%;AAPL:13.6%;TSLA:21.7%;AMZN:21.7%
US:60.8;EU:16.5;APAC:9.3;EM:11.2;Other:2.3
Value:-0.5;Growth:+0.6;Quality:+0.7;Size:+0.4;Momentum:-0.2;LowVol:-0.0
ESGOnly;NoMargin
8
30
3.3
hard 10%
100
19.5
Volatile
20.1
4.43
3.7
150
58
80
42
false
Buy
Add to core equity +1%
4
-15
BrokerA
MKT
85
null
null
Normal monitoring
95
-41
83
4
false
Increase defensive factor exposure
P6778
Opportunistic
401k
USD
2024-09-20
923,531
31,737
891,794
1.18
63.3
16.8
13.4
6.5
QQQ:25.3%;AAPL:25.3%;BRK.B:15.3%;HYG:8.7%;GLD:25.3%
US:68.8;EU:13.3;APAC:10.8;EM:4.8;Other:2.3
Value:+0.9;Growth:+0.7;Quality:+0.1;Size:+0.5;Momentum:+0.5;LowVol:+0.2
null
6
35
5.4
trailing 7%
256
28.7
Volatile
28.4
4.21
2.1
138
-47
22
69
false
Hedge
Add TLT +1% as duration hedge
-8
-38
BrokerC
MKT
98
null
null
Normal monitoring
-38
-6
-61
3
false
Monitor dispersion and breadth
P6779
Opportunistic
401k
USD
2025-08-30
571,065
20,569
550,496
1
73.4
15.6
5.5
5.6
HYG:16.0%;AAPL:22.9%;BRK.B:22.9%;TSLA:22.9%;AMZN:15.3%
US:63.4;EU:14.4;APAC:7.6;EM:12.2;Other:2.3
Value:-0.0;Growth:+0.3;Quality:+0.6;Size:+0.5;Momentum:+0.3;LowVol:-0.8
MaxPos6%;NoDerivatives
6
35
6.6
hard 12%
165
30.5
Bull
11.1
3.59
2.9
98
111
100
42
false
Sell
Trim extended winner -1%
-3
13
BrokerC
MKT
90
null
null
Normal monitoring
5
-32
111
5
false
Within IPS guidelines
P6780
Active
Roth
USD
2025-07-22
2,479,437
256,030
2,223,407
1
53.2
19.3
22.5
5
HYG:27.8%;TSLA:27.8%;XLF:27.8%;AMZN:16.6%
US:69.0;EU:11.6;APAC:7.0;EM:10.8;Other:1.7
Value:+0.8;Growth:+1.0;Quality:-0.9;Size:-0.4;Momentum:+0.1;LowVol:+0.5
MaxPos7%
7
35
4.5
trailing 8%
207
19.9
Bear
34.3
3.35
2.8
132
24
65
80
true
Hedge
Buy index puts 1% notional
29
-18
BrokerC
VWAP
85
Drift>tolerance
Reduce
Allocation drift beyond policy bands
-35
-18
70
4
false
Tighten stops on momentum names
P6781
Hands-off
Taxable
USD
2024-12-28
368,189
33,349
334,840
1
69.3
16.9
4.1
9.7
TLT:19.2%;XLF:18.8%;AMZN:11.5%;BRK.B:13.1%;VNQ:20.8%;VTI:16.6%
US:74.0;EU:7.9;APAC:6.9;EM:11.1;Other:0.1
Value:+0.4;Growth:+0.8;Quality:+0.8;Size:+0.7;Momentum:-0.3;LowVol:-0.5
MaxPos5%;NoDerivatives
7
30
4.5
trailing 10%
163
17.4
Sideways
17.2
3.8
2.4
109
21
71
48
false
Buy
Add to core equity +1%
18
-40
BrokerC
LMT
88
null
null
Normal monitoring
91
17
161
5
false
Increase defensive factor exposure
P6782
Cautious
IRA
USD
2024-11-26
374,302
37,641
336,661
1
40.6
35.4
9.6
14.5
MUB:26.7%;AAPL:26.7%;XLF:20.0%;VTI:26.7%
US:71.0;EU:7.3;APAC:8.9;EM:6.0;Other:6.8
Value:-0.6;Growth:-0.0;Quality:-0.8;Size:+0.9;Momentum:+0.2;LowVol:+0.9
ESGOnly;MaxPos5%;NoDerivatives;NoMargin
8
25
3.2
trailing 8%
168
14
Sideways
16.5
4.22
2.3
111
24
49
39
false
Buy
Add to core equity +1%
-11
-21
BrokerB
MKT
92
null
null
Normal monitoring
110
-37
191
5
false
Tighten stops on momentum names
P6783
Systematic
Taxable
USD
2025-01-24
483,369
33,181
450,188
1
62.1
24
4.7
9.1
AMZN:25.1%;BND:25.1%;QQQ:25.1%;VNQ:24.6%
US:73.8;EU:8.8;APAC:7.9;EM:5.8;Other:3.6
Value:+0.5;Growth:+0.2;Quality:+0.5;Size:-0.9;Momentum:+0.3;LowVol:+0.2
MaxPos6%
5
30
4.1
hard 12%
196
18.8
Bull
11.8
3.53
3.4
91
48
79
43
false
Rebalance
Shift +1% to bonds from equity
14
-33
BrokerA
LMT
93
null
null
Normal monitoring
23
-14
62
3
false
Increase defensive factor exposure
P6784
Systematic
Trust
USD
2025-05-26
1,002,012
80,839
921,173
1
67.6
20.8
5.5
6.2
IEF:27.2%;VOO:27.2%;TSLA:27.2%;BND:18.3%
US:64.6;EU:15.4;APAC:13.2;EM:3.6;Other:3.3
Value:+0.9;Growth:-0.2;Quality:+0.5;Size:+0.2;Momentum:+0.8;LowVol:-0.5
NoDerivatives
7
35
5.3
trailing 8%
152
24
Volatile
25.3
5.14
4.5
164
-35
23
76
true
Hedge
Buy index puts 1% notional
23
-16
BrokerB
LMT
100
VAR>budget
Pause
Risk above budget threshold
-21
-19
-24
2
false
Increase defensive factor exposure
P6785
Systematic
Trust
USD
2025-03-26
472,613
40,302
432,311
1
60.4
21.4
9.9
8.2
AMZN:23.3%;QQQ:25.6%;HYG:25.6%;BRK.B:25.6%
US:71.5;EU:12.1;APAC:6.7;EM:6.6;Other:3.0
Value:+0.5;Growth:+0.1;Quality:-1.0;Size:+0.2;Momentum:+0.6;LowVol:+1.0
null
5
30
5.5
trailing 9%
151
26.8
Bull
14.3
3.82
2.5
75
18
61
49
false
Sell
Trim extended winner -1%
28
-3
BrokerC
LMT
91
null
null
Normal monitoring
-19
-46
16
3
false
Tighten stops on momentum names
P6786
Cautious
Taxable
USD
2024-10-24
515,690
81,632
434,058
1
50.7
35.6
3.6
10.1
XLF:22.4%;HYG:25.9%;TSLA:25.9%;VTI:25.9%
US:68.1;EU:8.8;APAC:12.7;EM:6.4;Other:4.0
Value:-0.9;Growth:-0.0;Quality:+0.7;Size:-0.5;Momentum:+0.2;LowVol:+1.0
ESGOnly;NoDerivatives;NoMargin
7
25
4.9
trailing 10%
100
19.4
Volatile
21.3
4.82
2.1
178
30
55
54
true
Rebalance
Rebalance back to target bands
-14
-33
BrokerD
MKT
90
Drift>tolerance
Reduce
Allocation drift beyond policy bands
87
-31
140
5
false
Monitor dispersion and breadth
P6787
Opportunistic
Trust
USD
2024-08-18
898,875
29,163
869,712
1
74.1
16.4
1.6
8
MUB:20.1%;VOO:23.5%;VTI:23.5%;MSFT:11.0%;IEF:21.9%
US:68.8;EU:16.2;APAC:6.3;EM:6.1;Other:2.6
Value:+0.5;Growth:+0.6;Quality:-0.7;Size:-0.6;Momentum:-0.3;LowVol:-0.2
null
8
25
5.6
trailing 7%
233
29.1
Bull
12.5
4.54
3.5
119
45
79
49
false
Buy
Add to core equity +1%
-8
-3
BrokerC
LMT
93
null
null
Normal monitoring
-50
-47
-16
4
false
Tighten stops on momentum names
P6788
Cautious
401k
USD
2025-02-13
858,541
124,705
733,836
1
49.3
38.6
0
12.1
AAPL:24.3%;BRK.B:24.3%;BND:15.8%;TLT:11.5%;VTI:24.3%
US:62.2;EU:17.8;APAC:11.6;EM:7.5;Other:0.9
Value:+0.2;Growth:+0.8;Quality:+0.2;Size:-0.6;Momentum:-0.7;LowVol:-0.4
ESGOnly;MaxPos7%;NoDerivatives;NoMargin
6
25
5.3
trailing 10%
147
14.1
Bull
13.4
4.6
2.6
112
18
59
26
false
NoAction
Within bands; monitor
28
-5
BrokerA
MKT
0
null
null
Normal monitoring
16
11
39
3
false
Tax-aware sells next window
P6789
Active
401k
USD
2025-12-21
782,287
59,071
723,216
1
56.5
27.6
6.3
9.7
BRK.B:33.3%;QQQ:33.3%;GLD:33.3%
US:71.5;EU:9.7;APAC:8.4;EM:9.0;Other:1.4
Value:+0.2;Growth:-0.9;Quality:+0.5;Size:+0.8;Momentum:-0.6;LowVol:-0.0
null
10
30
4.5
trailing 9%
157
23
Bear
34.9
3.08
2.7
151
-78
12
84
true
Reduce
Cut high-beta by 2-3%, add cash
14
-5
BrokerA
MKT
99
VAR>budget
Reduce
Risk above budget threshold
4
-45
121
2
false
Increase defensive factor exposure
P6790
Active
Roth
USD
2025-05-09
1,208,527
99,547
1,108,980
1
51
18.6
24.5
5.9
IEF:18.9%;VOO:23.5%;TLT:10.5%;VNQ:23.5%;BND:23.5%
US:71.1;EU:7.9;APAC:9.8;EM:5.4;Other:5.8
Value:+0.1;Growth:-0.1;Quality:-0.0;Size:-0.2;Momentum:-0.6;LowVol:-0.5
null
7
35
4.1
hard 12%
205
18.6
Bull
15.2
4.79
2.9
79
100
97
42
false
Rebalance
Shift +1% to bonds from equity
0
7
BrokerA
LMT
92
null
null
Normal monitoring
30
-33
163
3
false
Increase defensive factor exposure
P6791
Active
IRA
USD
2024-11-02
1,835,218
218,904
1,616,314
1.22
64.5
30.2
0
5.3
BND:22.1%;VNQ:19.0%;TSLA:22.1%;BRK.B:22.1%;VOO:14.6%
US:64.3;EU:18.0;APAC:12.2;EM:4.5;Other:0.9
Value:-0.4;Growth:+0.9;Quality:+0.5;Size:-0.8;Momentum:-0.1;LowVol:+0.6
null
10
30
4.7
trailing 8%
177
25.8
Bull
14.7
4.35
2.9
75
90
100
41
false
Rebalance
Shift +1% to bonds from equity
30
-19
BrokerC
LMT
95
null
null
Normal monitoring
36
-46
74
3
false
Monitor dispersion and breadth
P6792
Cautious
IRA
USD
2024-10-01
331,744
40,880
290,864
1
46.6
42.4
0
11
MSFT:23.9%;MUB:28.2%;VNQ:28.2%;VTI:19.6%
US:62.8;EU:18.9;APAC:11.9;EM:4.3;Other:2.2
Value:+0.6;Growth:-0.5;Quality:-0.6;Size:-0.5;Momentum:+0.5;LowVol:+0.1
MaxPos6%;NoMargin
10
25
5.6
trailing 10%
144
18.2
Bear
32.5
4.23
2.5
189
-103
5
82
true
Rebalance
Rebalance back to target bands
-7
-33
BrokerA
LMT
91
Drift>tolerance
Hedge
Allocation drift beyond policy bands
48
15
145
3
false
Increase defensive factor exposure
P6793
Opportunistic
401k
USD
2024-10-30
1,312,198
93,777
1,218,421
1
77.2
10.4
4
8.4
BND:22.0%;TLT:11.8%;TSLA:22.0%;AMZN:22.0%;IEF:15.8%;MSFT:6.3%
US:63.8;EU:11.0;APAC:15.4;EM:8.6;Other:1.3
Value:-0.7;Growth:-0.2;Quality:-0.7;Size:+0.6;Momentum:-0.1;LowVol:-0.8
MaxPos8%
10
30
6.4
trailing 7%
168
26.9
Volatile
25.5
5.27
4
154
-8
55
83
true
Hedge
Buy index puts 1% notional
27
-1
BrokerC
VWAP
95
Drift>tolerance
Hedge
Allocation drift beyond policy bands
28
16
130
2
false
Tax-aware sells next window
P6794
Cautious
IRA
USD
2024-12-01
454,626
63,027
391,599
1
44.5
33.3
11.5
10.7
QQQ:20.6%;TSLA:12.1%;TLT:11.3%;HYG:16.4%;VTI:20.6%;MUB:19.0%
US:65.0;EU:7.7;APAC:11.7;EM:10.1;Other:5.5
Value:-0.7;Growth:+0.8;Quality:-0.3;Size:+0.4;Momentum:-0.6;LowVol:+0.7
NoMargin
6
35
3.9
hard 10%
129
18.2
Bull
15.7
4.36
2.7
94
90
100
29
true
Reduce
Cut high-beta by 2-3%, add cash
22
-5
BrokerB
MKT
90
Drift>tolerance
Reduce
Allocation drift beyond policy bands
-58
-46
-90
5
false
Tighten stops on momentum names
P6795
Active
Trust
USD
2024-08-01
2,358,837
182,887
2,175,950
1
55.3
22.6
16.2
5.8
IEF:11.3%;QQQ:22.2%;TLT:12.4%;VTI:12.9%;BND:20.9%;AMZN:20.3%
US:61.3;EU:16.5;APAC:11.7;EM:10.4;Other:0.1
Value:-0.8;Growth:-0.7;Quality:-0.0;Size:+0.6;Momentum:-0.3;LowVol:+0.3
null
10
30
4.9
trailing 8%
222
18.8
Bull
12.8
3.63
2.2
114
55
87
34
false
Rebalance
Shift +1% to bonds from equity
33
-6
BrokerA
MKT
99
null
null
Normal monitoring
6
10
47
4
false
Within IPS guidelines
P6796
Cautious
Trust
USD
2025-05-22
624,880
91,778
533,102
1
53.3
34.7
0
11.9
BRK.B:27.8%;QQQ:16.7%;AMZN:27.8%;VTI:27.8%
US:65.9;EU:17.9;APAC:5.6;EM:9.5;Other:1.1
Value:-1.0;Growth:+0.9;Quality:-0.6;Size:+0.2;Momentum:-0.8;LowVol:0.0
NoMargin
8
25
5.8
trailing 8%
99
13.7
Bull
13.9
3.78
3.2
79
68
94
46
false
Sell
Trim extended winner -1%
21
6
BrokerC
LMT
98
null
null
Normal monitoring
22
-13
103
3
false
Within IPS guidelines
P6797
Systematic
Taxable
USD
2024-11-13
1,063,675
68,742
994,933
1
55
33
2.3
9.8
TSLA:13.0%;XLF:20.5%;MSFT:18.3%;BRK.B:19.0%;IEF:20.5%;HYG:8.8%
US:67.4;EU:13.7;APAC:9.9;EM:5.1;Other:3.9
Value:+0.2;Growth:-0.3;Quality:+0.1;Size:+0.7;Momentum:-0.2;LowVol:+0.3
NoDerivatives
8
35
5.4
trailing 9%
171
25.6
Sideways
14.1
3.53
3.4
127
44
80
43
false
Rebalance
Shift +1% to bonds from equity
31
-27
BrokerC
MKT
86
null
null
Normal monitoring
67
-54
61
4
false
Tax-aware sells next window
P6798
Cautious
IRA
USD
2025-05-29
313,770
27,227
286,543
1
42.4
41.7
0
16
VOO:25.5%;XLF:18.9%;AAPL:14.0%;IEF:16.1%;VTI:25.5%
US:72.1;EU:8.2;APAC:9.3;EM:6.2;Other:4.2
Value:-0.6;Growth:-0.5;Quality:-0.7;Size:+1.0;Momentum:+0.9;LowVol:-0.5
ESGOnly;NoMargin
8
25
4.2
hard 10%
145
18.4
Bull
17.3
3.66
3.1
79
101
100
46
false
Buy
Add to core equity +1%
20
-37
BrokerD
LMT
95
null
null
Normal monitoring
63
-18
141
4
false
Within IPS guidelines
P6799
Cautious
Roth
USD
2024-12-28
798,350
124,387
673,963
1
50.5
38.4
1
10.2
HYG:19.4%;BND:14.5%;AAPL:18.4%;QQQ:18.8%;IEF:16.7%;BRK.B:12.3%
US:66.4;EU:12.7;APAC:11.1;EM:6.6;Other:3.2
Value:+0.4;Growth:+1.0;Quality:-0.9;Size:-0.3;Momentum:+0.4;LowVol:-0.7
ESGOnly;MaxPos5%;NoMargin
6
30
3.5
trailing 10%
122
15.4
Sideways
14.1
3.52
2.3
113
-10
52
37
false
Sell
Trim extended winner -1%
-14
-20
BrokerB
MKT
98
null
null
Normal monitoring
73
-12
61
3
false
Within IPS guidelines
P6800
Hands-off
Taxable
USD
2025-07-13
614,663
37,314
577,349
1
67.7
27.3
0
5
QQQ:33.3%;BND:33.3%;BRK.B:33.3%
US:66.1;EU:16.2;APAC:11.2;EM:4.3;Other:2.2
Value:-0.8;Growth:-0.4;Quality:+0.8;Size:-0.6;Momentum:-0.0;LowVol:+0.1
null
7
25
4.6
trailing 10%
121
17.9
Bear
33.3
3.36
2
147
-30
37
94
true
Rebalance
Rebalance back to target bands
10
-22
BrokerA
MKT
89
Drift>tolerance
TightenStops
Allocation drift beyond policy bands
-54
-23
2
3
false
Within IPS guidelines