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
P7101
Hands-off
401k
USD
2025-05-04
394,992
27,673
367,319
1
69
23.1
0
7.8
TSLA:21.3%;AMZN:21.3%;BND:20.0%;TLT:16.1%;VOO:21.3%
US:64.6;EU:15.2;APAC:12.3;EM:5.9;Other:2.1
Value:-0.6;Growth:-0.6;Quality:-0.9;Size:+0.5;Momentum:+0.1;LowVol:-0.9
ESGOnly;NoDerivatives
6
25
5.1
trailing 10%
167
12.8
Bear
31
3.06
1.1
204
-67
30
78
true
Hedge
Buy index puts 1% notional
-15
-38
BrokerD
LMT
87
RegimeShift
Hedge
Volatility spike and breadth deterioration
43
-31
163
3
false
Tighten stops on momentum names
P7102
Active
Roth
USD
2025-03-23
1,367,872
145,392
1,222,480
1.05
61.8
29.4
0
8.8
QQQ:18.5%;AAPL:21.0%;BRK.B:18.6%;VOO:21.0%;MUB:21.0%
US:63.7;EU:10.2;APAC:12.7;EM:11.8;Other:1.6
Value:+0.5;Growth:0.0;Quality:+0.5;Size:-0.3;Momentum:-0.3;LowVol:+0.7
null
6
25
5.2
trailing 9%
152
23.4
Sideways
18.5
3.83
2.8
122
1
37
59
false
Sell
Trim extended winner -1%
31
-11
BrokerA
LMT
100
null
null
Normal monitoring
-60
2
-1
4
false
Increase defensive factor exposure
P7103
Systematic
Roth
USD
2024-07-29
1,354,771
56,439
1,298,332
1
55.5
34.2
3
7.3
XLF:19.3%;TLT:16.4%;VTI:21.5%;GLD:21.5%;HYG:21.5%
US:69.2;EU:14.6;APAC:7.1;EM:6.2;Other:2.9
Value:+0.3;Growth:+0.3;Quality:+0.2;Size:+0.8;Momentum:-0.5;LowVol:-0.6
NoDerivatives
8
30
5.1
trailing 8%
217
19.9
Bull
11.1
3.66
2.4
85
11
65
41
false
Rebalance
Shift +1% to bonds from equity
31
12
BrokerB
MKT
90
null
null
Normal monitoring
23
-31
30
5
false
Within IPS guidelines
P7104
Cautious
Trust
USD
2025-07-03
836,828
72,909
763,919
1
53.4
30.3
4.1
12.2
AAPL:11.7%;GLD:23.7%;XLF:23.7%;QQQ:23.7%;VOO:17.3%
US:63.1;EU:14.1;APAC:10.7;EM:8.4;Other:3.8
Value:+0.9;Growth:-0.9;Quality:+0.8;Size:+0.3;Momentum:+0.5;LowVol:-0.1
ESGOnly;NoDerivatives;NoMargin
6
30
3
trailing 8%
91
14.1
Volatile
24.2
3.53
2.5
160
31
61
65
false
Buy
Add to core equity +1%
21
-9
BrokerC
VWAP
91
null
null
Normal monitoring
10
18
59
5
false
Increase defensive factor exposure
P7105
Opportunistic
Trust
USD
2024-12-01
1,209,130
78,237
1,130,893
1
74.1
18.3
0
7.5
AMZN:20.5%;VNQ:20.3%;VTI:19.8%;QQQ:18.8%;MSFT:20.5%
US:75.9;EU:6.0;APAC:6.0;EM:11.3;Other:0.7
Value:-0.6;Growth:-0.3;Quality:+0.8;Size:-0.6;Momentum:-0.2;LowVol:-0.8
MaxPos8%
5
35
7
trailing 9%
193
28.3
Bull
16.6
3.72
3.2
105
57
76
62
false
Buy
Add to core equity +1%
-6
-18
BrokerB
MKT
98
null
null
Normal monitoring
-50
-60
5
5
false
Tighten stops on momentum names
P7106
Hands-off
Roth
USD
2024-11-15
278,707
25,764
252,943
1
70.2
24.4
0
5.3
XLF:33.3%;BRK.B:33.3%;MUB:33.3%
US:72.3;EU:12.7;APAC:9.6;EM:4.4;Other:1.0
Value:-0.9;Growth:-0.7;Quality:+0.8;Size:+0.7;Momentum:-0.7;LowVol:-0.5
ESGOnly;NoDerivatives
8
35
3.9
trailing 10%
101
17.4
Volatile
20.3
5.03
3.8
114
-33
23
53
false
Sell
Trim extended winner -1%
-6
-32
BrokerA
MKT
85
null
null
Normal monitoring
82
6
45
4
false
Monitor dispersion and breadth
P7107
Cautious
IRA
USD
2024-10-17
654,125
58,498
595,627
1
51.6
30.1
6.1
12.2
MSFT:24.9%;VOO:14.0%;TSLA:24.9%;XLF:18.9%;BRK.B:17.4%
US:70.9;EU:8.4;APAC:14.1;EM:3.8;Other:2.9
Value:-0.9;Growth:-0.5;Quality:+0.6;Size:-0.9;Momentum:+0.1;LowVol:+0.6
ESGOnly;MaxPos8%;NoDerivatives;NoMargin
8
25
4.7
trailing 8%
142
13.6
Bear
33.9
3.29
2.4
209
-51
36
84
true
Reduce
Cut high-beta by 2-3%, add cash
12
-21
BrokerB
MKT
86
VAR>budget
Hedge
Risk above budget threshold
-50
-43
17
2
false
Tax-aware sells next window
P7108
Hands-off
401k
USD
2025-12-03
598,658
26,380
572,278
1
65.6
19.2
5.7
9.5
IEF:18.9%;XLF:13.6%;VOO:13.2%;GLD:12.9%;VTI:21.6%;AMZN:19.8%
US:68.2;EU:8.7;APAC:15.0;EM:5.0;Other:3.0
Value:-0.6;Growth:+0.1;Quality:-0.5;Size:-0.8;Momentum:+0.4;LowVol:+0.9
ESGOnly;MaxPos8%
7
25
4.9
trailing 10%
104
15.1
Volatile
31.3
4.49
3.8
115
13
53
72
true
Hedge
Buy index puts 1% notional
-5
-31
BrokerA
MKT
95
Drift>tolerance
Hedge
Allocation drift beyond policy bands
18
-36
117
2
false
Monitor dispersion and breadth
P7109
Hands-off
Taxable
USD
2024-07-30
259,734
21,663
238,071
1
58.7
16.8
17.6
6.9
VTI:25.6%;VNQ:25.6%;HYG:23.2%;BND:25.6%
US:69.6;EU:10.8;APAC:11.2;EM:6.0;Other:2.3
Value:-0.6;Growth:+0.1;Quality:-0.5;Size:+0.3;Momentum:+0.3;LowVol:0.0
ESGOnly;MaxPos6%
6
30
3.5
trailing 10%
129
16.8
Volatile
30.3
5.23
2
166
23
52
65
false
Sell
Trim extended winner -1%
2
-15
BrokerD
LMT
85
null
null
Normal monitoring
59
-24
103
5
false
Monitor dispersion and breadth
P7110
Active
Taxable
USD
2025-09-14
1,039,225
102,057
937,168
1
69.7
20.7
2.6
7
TLT:19.7%;BRK.B:7.0%;TSLA:16.9%;GLD:20.0%;MSFT:18.0%;VOO:18.3%
US:67.7;EU:9.7;APAC:11.9;EM:8.8;Other:2.0
Value:+0.7;Growth:-0.7;Quality:-0.3;Size:0.0;Momentum:0.0;LowVol:-0.2
null
10
25
4.5
trailing 8%
132
20.4
Sideways
19.7
4.48
3.4
120
60
82
52
false
Sell
Trim extended winner -1%
8
-25
BrokerC
VWAP
85
null
null
Normal monitoring
-11
-51
107
3
false
Tax-aware sells next window
P7111
Opportunistic
401k
USD
2025-07-06
833,297
56,940
776,357
1
67.2
20.1
3.7
9
VTI:12.9%;QQQ:21.2%;TSLA:9.9%;IEF:21.2%;TLT:21.2%;VNQ:13.5%
US:77.1;EU:8.8;APAC:7.6;EM:5.9;Other:0.6
Value:+0.8;Growth:-0.9;Quality:+0.8;Size:+0.3;Momentum:+0.6;LowVol:+0.8
MaxPos8%;NoDerivatives
10
25
6.7
trailing 7%
245
32.9
Bear
33.7
3.96
1.6
160
20
54
95
true
Rebalance
Rebalance back to target bands
-2
-2
BrokerA
MKT
95
VAR>budget
Hedge
Risk above budget threshold
2
-48
63
3
false
Within IPS guidelines
P7112
Cautious
Roth
USD
2025-11-26
714,802
84,838
629,964
1
47.8
36
0
16.2
MUB:26.3%;VNQ:21.1%;QQQ:26.3%;IEF:26.3%
US:63.6;EU:16.1;APAC:6.3;EM:9.1;Other:4.9
Value:+0.2;Growth:-0.9;Quality:-0.3;Size:-1.0;Momentum:+0.3;LowVol:-0.9
ESGOnly;MaxPos8%;NoDerivatives;NoMargin
7
25
3.5
trailing 10%
134
16.8
Bull
13.6
4.75
2.8
78
27
56
34
false
Buy
Add to core equity +1%
11
-2
BrokerC
LMT
99
null
null
Normal monitoring
-30
-17
95
3
false
Monitor dispersion and breadth
P7113
Cautious
Taxable
USD
2025-02-01
374,035
33,183
340,852
1
40.2
37
12.8
10
IEF:36.6%;TSLA:26.8%;MSFT:36.6%
US:74.0;EU:13.3;APAC:5.6;EM:3.1;Other:3.9
Value:+0.3;Growth:-0.7;Quality:-0.7;Size:-0.3;Momentum:-0.5;LowVol:+0.2
NoMargin
5
35
4
trailing 10%
105
14.4
Sideways
21.3
3.84
3
116
1
65
41
false
Sell
Trim extended winner -1%
4
-17
BrokerB
MKT
96
null
null
Normal monitoring
47
-38
88
3
false
Within IPS guidelines
P7114
Opportunistic
Taxable
USD
2025-08-13
773,782
53,587
720,195
1.21
75.1
10.4
6.8
7.7
XLF:23.3%;MSFT:10.4%;AAPL:19.8%;TLT:23.3%;IEF:23.3%
US:74.9;EU:6.6;APAC:14.7;EM:3.7;Other:0.1
Value:+0.8;Growth:+0.2;Quality:-0.5;Size:-0.0;Momentum:-0.5;LowVol:+0.1
NoDerivatives
7
30
5.3
trailing 9%
181
20
Sideways
19.7
4.86
2.6
130
15
66
54
false
Buy
Add to core equity +1%
-8
-10
BrokerA
LMT
95
null
null
Normal monitoring
6
-13
78
3
false
Increase defensive factor exposure
P7115
Hands-off
Roth
USD
2025-06-14
429,108
18,516
410,592
1
65.7
18.6
8
7.7
VNQ:15.2%;BRK.B:22.1%;AAPL:21.7%;BND:20.4%;XLF:20.5%
US:69.1;EU:10.2;APAC:10.5;EM:10.0;Other:0.2
Value:-0.4;Growth:+0.4;Quality:-0.2;Size:+0.7;Momentum:-0.1;LowVol:+0.4
ESGOnly;MaxPos8%;NoDerivatives
7
30
5
trailing 8%
107
16.7
Volatile
28.2
5.21
2.1
118
44
85
74
true
Rebalance
Rebalance back to target bands
22
-31
BrokerD
MKT
99
VAR>budget
Hedge
Risk above budget threshold
37
-17
171
5
false
Monitor dispersion and breadth
P7116
Hands-off
Trust
USD
2025-09-06
590,842
55,059
535,783
1
63.3
27.6
0
9.2
HYG:23.1%;VOO:16.5%;VTI:14.1%;BRK.B:23.1%;VNQ:23.1%
US:58.6;EU:11.4;APAC:15.8;EM:11.2;Other:2.9
Value:-0.5;Growth:-0.5;Quality:-0.1;Size:-0.1;Momentum:-0.2;LowVol:+0.7
ESGOnly
7
30
3
trailing 10%
133
14.8
Bull
16
4.85
3.1
104
120
100
57
false
Rebalance
Shift +1% to bonds from equity
15
-28
BrokerD
LMT
87
null
null
Normal monitoring
113
-27
102
5
false
Increase defensive factor exposure
P7117
Active
Roth
USD
2025-05-09
1,849,396
122,760
1,726,636
1
50.7
26.7
17.1
5.5
IEF:25.0%;MUB:25.0%;HYG:25.0%;AMZN:25.0%
US:75.4;EU:10.8;APAC:5.8;EM:4.1;Other:3.9
Value:-0.1;Growth:+0.8;Quality:-0.9;Size:+0.1;Momentum:+0.2;LowVol:+0.5
MaxPos6%
5
35
4.8
trailing 8%
223
25.6
Bull
17.4
4.66
2.6
89
38
63
36
false
Sell
Trim extended winner -1%
35
-29
BrokerB
LMT
99
null
null
Normal monitoring
-1
-45
-35
5
false
Tax-aware sells next window
P7118
Cautious
Roth
USD
2025-11-23
173,551
14,660
158,891
1
36.3
33.3
14.2
16.2
HYG:17.5%;XLF:22.8%;TLT:11.4%;MUB:8.7%;AAPL:22.8%;IEF:16.8%
US:76.3;EU:5.5;APAC:9.0;EM:7.7;Other:1.5
Value:-0.3;Growth:-0.0;Quality:+0.1;Size:+0.2;Momentum:-0.7;LowVol:-0.4
ESGOnly;MaxPos8%;NoDerivatives;NoMargin
7
25
5.1
trailing 8%
106
19.5
Bull
12.6
4.48
2.1
77
33
62
35
false
Buy
Add to core equity +1%
-9
-3
BrokerB
LMT
98
null
null
Normal monitoring
-21
-6
73
5
false
Tax-aware sells next window
P7119
Hands-off
Taxable
USD
2025-04-01
420,801
27,844
392,957
1
66.6
15.9
10.7
6.8
AMZN:33.3%;MUB:33.3%;BRK.B:33.3%
US:68.7;EU:15.3;APAC:9.1;EM:3.7;Other:3.2
Value:+0.4;Growth:-0.6;Quality:+0.8;Size:+0.4;Momentum:+0.6;LowVol:-0.4
MaxPos7%
6
35
3.6
hard 10%
137
18.9
Bear
30.2
4.02
2.1
138
-50
23
86
true
Reduce
Cut high-beta by 2-3%, add cash
14
-15
BrokerC
MKT
86
VAR>budget
Reduce
Risk above budget threshold
36
-40
50
3
false
Within IPS guidelines
P7120
Active
Roth
USD
2025-11-04
2,403,505
254,394
2,149,111
1
62.4
18.2
9.4
10
MSFT:22.5%;VTI:17.6%;GLD:22.5%;AAPL:22.5%;VNQ:15.0%
US:69.9;EU:12.2;APAC:12.9;EM:4.1;Other:0.8
Value:+0.9;Growth:-0.7;Quality:-0.8;Size:-0.7;Momentum:-0.7;LowVol:-0.8
null
6
25
5.7
trailing 8%
146
17.8
Sideways
19
3.97
3.4
104
13
59
55
false
Sell
Trim extended winner -1%
14
-27
BrokerB
VWAP
99
null
null
Normal monitoring
-58
4
56
5
false
Tighten stops on momentum names
P7121
Hands-off
Taxable
USD
2025-09-25
514,876
37,723
477,153
1
56
21.2
13.1
9.7
IEF:13.9%;BND:13.2%;AAPL:20.3%;TSLA:17.8%;GLD:14.2%;QQQ:20.6%
US:63.2;EU:9.1;APAC:13.3;EM:12.0;Other:2.4
Value:+0.1;Growth:-0.2;Quality:0.0;Size:0.0;Momentum:-1.0;LowVol:-0.5
ESGOnly
10
25
4.8
trailing 10%
128
19.6
Bull
13.5
4.74
2.5
120
83
76
31
false
Hedge
Add TLT +1% as duration hedge
26
11
BrokerA
MKT
91
null
null
Normal monitoring
4
17
79
3
false
Within IPS guidelines
P7122
Hands-off
Trust
USD
2024-08-06
203,709
9,036
194,673
1
56.7
22.8
10.8
9.7
QQQ:16.6%;IEF:21.3%;BND:13.6%;VTI:21.3%;MSFT:5.8%;TLT:21.3%
US:60.3;EU:12.6;APAC:9.4;EM:12.7;Other:5.0
Value:+0.1;Growth:-0.4;Quality:-0.6;Size:+0.6;Momentum:-0.6;LowVol:-0.6
MaxPos7%
7
35
4
trailing 8%
146
14.5
Bull
11.8
4.48
2.7
109
99
100
44
false
Rebalance
Shift +1% to bonds from equity
-10
7
BrokerD
LMT
87
null
null
Normal monitoring
51
-21
96
3
false
Within IPS guidelines
P7123
Cautious
Roth
USD
2025-09-02
725,316
99,172
626,144
1
44.7
40
0
15.3
XLF:21.2%;MSFT:18.8%;TLT:23.0%;MUB:14.0%;GLD:23.0%
US:66.8;EU:16.2;APAC:7.4;EM:8.8;Other:0.9
Value:+0.9;Growth:-0.8;Quality:+0.7;Size:-0.6;Momentum:+0.5;LowVol:+0.2
MaxPos5%;NoMargin
10
30
4.6
trailing 8%
93
12.9
Volatile
27.9
4.19
2.7
153
59
91
61
false
Sell
Trim extended winner -1%
18
-18
BrokerC
LMT
87
null
null
Normal monitoring
-43
14
-7
4
false
Increase defensive factor exposure
P7124
Active
IRA
USD
2025-11-23
2,083,850
159,487
1,924,363
1.12
54.8
28.4
7.8
9.1
VNQ:14.8%;QQQ:21.3%;GLD:20.3%;TSLA:21.3%;IEF:14.0%;MSFT:8.2%
US:66.4;EU:18.2;APAC:11.0;EM:3.7;Other:0.6
Value:-0.2;Growth:-0.3;Quality:+0.2;Size:-0.2;Momentum:+0.5;LowVol:+0.5
MaxPos7%
8
25
4.6
trailing 8%
121
23.4
Bull
15.8
4.88
2.4
118
102
93
35
false
Rebalance
Shift +1% to bonds from equity
7
-24
BrokerB
MKT
91
null
null
Normal monitoring
30
-8
2
3
false
Tighten stops on momentum names
P7125
Opportunistic
Taxable
USD
2025-04-17
540,989
37,198
503,791
1
62.5
21.4
11.2
4.9
VOO:18.4%;VTI:21.3%;TLT:17.4%;IEF:13.4%;AAPL:16.8%;HYG:12.6%
US:68.7;EU:10.5;APAC:11.0;EM:8.4;Other:1.4
Value:-0.9;Growth:-0.3;Quality:-0.5;Size:-0.2;Momentum:-0.2;LowVol:+0.9
MaxPos5%
10
25
5.4
trailing 9%
246
21.1
Bull
12.8
4.37
2.4
118
19
65
38
false
NoAction
Within bands; monitor
21
-25
BrokerA
LMT
88
null
null
Normal monitoring
5
-33
14
4
false
Tighten stops on momentum names
P7126
Active
401k
USD
2025-07-14
1,610,968
98,860
1,512,108
1.25
58.1
24.1
8.6
9.2
VOO:15.8%;MUB:28.1%;GLD:28.1%;QQQ:28.1%
US:67.1;EU:9.1;APAC:10.8;EM:10.1;Other:2.9
Value:-0.7;Growth:-0.1;Quality:+0.8;Size:-0.1;Momentum:+1.0;LowVol:-0.5
MaxPos7%
8
25
4.7
hard 12%
146
25.6
Volatile
29.6
4.06
3.7
141
4
58
84
true
Reduce
Cut high-beta by 2-3%, add cash
-12
-38
BrokerD
VWAP
92
VAR>budget
Reduce
Risk above budget threshold
-44
-8
5
4
false
Within IPS guidelines
P7127
Hands-off
Taxable
USD
2025-03-07
813,883
41,908
771,975
1
59.3
22
12.8
5.9
IEF:9.2%;MSFT:22.6%;VOO:22.6%;HYG:8.5%;AMZN:14.4%;VNQ:22.6%
US:71.1;EU:13.4;APAC:6.3;EM:7.0;Other:2.3
Value:+0.5;Growth:+0.1;Quality:+0.7;Size:+0.6;Momentum:+0.9;LowVol:-0.8
MaxPos8%
7
25
3.3
trailing 10%
97
13.1
Volatile
20.2
4.04
2.5
173
18
44
63
false
NoAction
Within bands; monitor
30
-9
BrokerC
MKT
0
null
null
Normal monitoring
5
-50
-1
3
false
Tighten stops on momentum names
P7128
Hands-off
401k
USD
2025-03-24
804,133
76,197
727,936
1
64.4
26.7
0
8.9
AAPL:33.3%;BND:33.3%;VNQ:33.3%
US:72.5;EU:7.4;APAC:10.9;EM:5.7;Other:3.5
Value:-0.8;Growth:-0.5;Quality:+0.9;Size:-0.5;Momentum:+0.2;LowVol:-0.4
ESGOnly;MaxPos5%
7
30
5.5
trailing 8%
105
14
Volatile
21.9
4.91
4.5
138
-20
28
52
false
Rebalance
Shift +1% to bonds from equity
-3
-33
BrokerB
LMT
85
null
null
Normal monitoring
-41
-30
7
4
false
Tax-aware sells next window
P7129
Systematic
401k
USD
2025-09-16
1,161,373
80,619
1,080,754
1
60.3
23.7
7.8
8.2
VOO:21.9%;MUB:10.3%;BND:9.2%;TLT:12.8%;QQQ:22.9%;VTI:22.9%
US:54.5;EU:17.9;APAC:13.7;EM:10.5;Other:3.5
Value:-0.9;Growth:-0.6;Quality:-0.3;Size:+0.1;Momentum:+0.1;LowVol:-0.9
MaxPos8%
5
25
5.1
trailing 9%
121
20.1
Bull
15
3.84
2.7
115
55
84
50
true
Rebalance
Rebalance back to target bands
-1
-9
BrokerD
MKT
85
VAR>budget
Reduce
Risk above budget threshold
53
-28
114
5
false
Within IPS guidelines
P7130
Active
Taxable
USD
2025-12-04
775,239
48,471
726,768
1.24
55.7
24.5
13.1
6.7
XLF:16.7%;VNQ:8.1%;TSLA:18.8%;GLD:15.8%;AAPL:20.2%;BRK.B:20.2%
US:69.0;EU:11.8;APAC:9.4;EM:8.0;Other:1.9
Value:+0.4;Growth:+0.7;Quality:-0.5;Size:+0.1;Momentum:+0.1;LowVol:+0.1
null
8
30
4
trailing 9%
156
21.8
Volatile
31.4
4.51
3
162
7
66
68
true
Hedge
Buy index puts 1% notional
13
-18
BrokerD
VWAP
91
Drift>tolerance
TightenStops
Allocation drift beyond policy bands
2
-3
134
5
true
Within IPS guidelines
P7131
Hands-off
Trust
USD
2024-11-17
873,705
54,911
818,794
1
57.8
18.9
17.6
5.8
MSFT:13.5%;VTI:16.2%;BRK.B:24.3%;HYG:10.8%;IEF:10.8%;QQQ:24.3%
US:65.1;EU:11.2;APAC:9.8;EM:10.8;Other:3.2
Value:+0.5;Growth:+0.1;Quality:+0.7;Size:+0.7;Momentum:-0.1;LowVol:+0.7
null
5
35
5.5
trailing 8%
112
15.4
Volatile
25.1
5.32
2.1
137
-34
42
74
true
Hedge
Buy index puts 1% notional
14
-36
BrokerC
MKT
93
Drift>tolerance
Hedge
Allocation drift beyond policy bands
-11
-28
-24
5
false
Tighten stops on momentum names
P7132
Opportunistic
Roth
USD
2025-08-24
1,062,626
33,206
1,029,420
1
68.4
12
14.8
4.9
VTI:14.2%;MUB:20.9%;HYG:7.0%;XLF:20.9%;AMZN:20.9%;AAPL:16.0%
US:63.2;EU:13.4;APAC:10.7;EM:10.0;Other:2.7
Value:+0.7;Growth:+0.2;Quality:-0.6;Size:-0.8;Momentum:-0.4;LowVol:-0.2
null
6
25
6.7
trailing 7%
175
31.9
Sideways
22
4.45
3.1
123
-23
34
64
false
Sell
Trim extended winner -1%
4
1
BrokerA
LMT
86
null
null
Normal monitoring
-57
-1
8
5
false
Within IPS guidelines
P7133
Cautious
IRA
USD
2025-05-12
788,591
82,135
706,456
1
49.2
40.5
0
10.3
VNQ:19.8%;MUB:10.7%;XLF:11.5%;HYG:22.8%;MSFT:12.5%;TSLA:22.8%
US:61.3;EU:17.3;APAC:7.5;EM:11.4;Other:2.5
Value:+0.6;Growth:+1.0;Quality:-0.5;Size:-0.6;Momentum:-0.9;LowVol:+0.1
NoMargin
6
30
3
trailing 8%
120
14
Bear
28.4
4.28
1.2
170
-88
11
66
false
Rebalance
Shift +1% to bonds from equity
-4
-35
BrokerB
LMT
87
null
null
Normal monitoring
-59
-47
-4
3
false
Tax-aware sells next window
P7134
Cautious
Roth
USD
2025-02-27
782,633
79,958
702,675
1
47.9
37.5
0
14.6
GLD:33.3%;TSLA:33.3%;MSFT:33.3%
US:69.5;EU:5.5;APAC:15.4;EM:7.4;Other:2.2
Value:+0.5;Growth:-0.1;Quality:-0.3;Size:+0.2;Momentum:+1.0;LowVol:-0.3
NoDerivatives;NoMargin
7
35
5
hard 10%
140
14.1
Bull
12.1
3.77
2.6
117
110
100
36
false
Buy
Add to core equity +1%
11
-22
BrokerC
MKT
91
null
null
Normal monitoring
49
19
37
5
false
Tax-aware sells next window
P7135
Cautious
401k
USD
2024-10-12
473,428
68,034
405,394
1
42.8
41.9
2.5
12.8
HYG:33.3%;GLD:33.3%;IEF:33.3%
US:71.4;EU:9.4;APAC:10.3;EM:7.1;Other:1.8
Value:0.0;Growth:+0.9;Quality:-0.4;Size:+0.9;Momentum:-0.8;LowVol:+0.7
NoMargin
10
25
3.8
hard 10%
136
18.9
Volatile
22.7
3.82
4.2
117
9
64
51
false
Buy
Add to core equity +1%
-5
-10
BrokerB
MKT
93
null
null
Normal monitoring
-45
-53
55
5
false
Increase defensive factor exposure
P7136
Cautious
Taxable
USD
2025-03-08
416,302
50,749
365,553
1
53.6
31
1.4
14
VTI:11.3%;VNQ:24.5%;AMZN:15.1%;VOO:24.5%;IEF:24.5%
US:74.8;EU:9.1;APAC:6.1;EM:6.4;Other:3.7
Value:+0.3;Growth:+0.3;Quality:-0.7;Size:+0.4;Momentum:-0.6;LowVol:+0.9
MaxPos6%;NoMargin
10
25
4.7
hard 10%
105
13.4
Bear
26.2
3.57
2.2
170
-6
62
73
true
Rebalance
Rebalance back to target bands
2
-26
BrokerD
MKT
89
RegimeShift
Reduce
Volatility spike and breadth deterioration
34
-24
11
2
false
Increase defensive factor exposure
P7137
Active
Trust
USD
2025-07-30
2,091,125
221,274
1,869,851
1
59.1
26.3
8.6
6
IEF:22.0%;GLD:22.0%;VTI:14.6%;HYG:7.7%;MSFT:11.7%;AMZN:22.0%
US:64.9;EU:8.5;APAC:6.8;EM:14.0;Other:5.8
Value:+0.3;Growth:-1.0;Quality:+0.1;Size:+0.9;Momentum:+0.5;LowVol:0.0
null
8
35
5.9
trailing 9%
226
16
Bull
12.8
4.84
3
110
111
100
32
false
Rebalance
Shift +1% to bonds from equity
34
-14
BrokerA
LMT
91
null
null
Normal monitoring
81
14
199
5
false
Increase defensive factor exposure
P7138
Opportunistic
IRA
USD
2025-04-14
1,411,701
52,664
1,359,037
1.08
60.3
19.9
13.2
6.6
XLF:20.7%;VNQ:29.9%;AAPL:19.6%;MUB:29.9%
US:70.7;EU:7.6;APAC:11.9;EM:5.6;Other:4.2
Value:-0.2;Growth:+0.2;Quality:-0.2;Size:+0.4;Momentum:-0.9;LowVol:+0.8
MaxPos7%
10
30
5.1
trailing 7%
183
22.4
Sideways
17.8
3.68
3.1
128
15
56
60
true
Hedge
Buy index puts 1% notional
23
-1
BrokerB
LMT
97
VAR>budget
Hedge
Risk above budget threshold
-37
-54
102
3
true
Monitor dispersion and breadth
P7139
Cautious
401k
USD
2025-03-21
672,669
65,853
606,816
1
48.7
41.7
0
9.6
BRK.B:33.3%;BND:33.3%;AMZN:33.3%
US:62.9;EU:7.5;APAC:14.5;EM:14.1;Other:1.0
Value:-0.6;Growth:+0.7;Quality:+0.6;Size:-0.0;Momentum:+0.8;LowVol:+1.0
ESGOnly;NoMargin
7
35
3.7
trailing 8%
115
17
Bull
12.7
4
2.3
81
68
92
26
false
Buy
Add to core equity +1%
18
-9
BrokerC
MKT
92
null
null
Normal monitoring
114
-27
179
5
false
Within IPS guidelines
P7140
Cautious
401k
USD
2024-08-26
768,227
69,532
698,695
1
41.7
43.4
0
15
HYG:20.0%;IEF:21.3%;AMZN:10.1%;XLF:21.3%;AAPL:6.7%;TLT:20.6%
US:63.7;EU:17.9;APAC:7.1;EM:10.1;Other:1.2
Value:+0.3;Growth:+0.2;Quality:-0.6;Size:-0.6;Momentum:+0.1;LowVol:+0.8
NoDerivatives;NoMargin
5
35
3.7
hard 10%
150
18.2
Volatile
21.9
5.46
3.2
157
54
74
49
false
Rebalance
Shift +1% to bonds from equity
19
-1
BrokerD
LMT
91
null
null
Normal monitoring
55
-52
57
5
false
Tax-aware sells next window
P7141
Systematic
IRA
USD
2025-09-21
1,141,656
107,072
1,034,584
1
59.5
21.5
13.7
5.3
AMZN:15.0%;XLF:19.8%;AAPL:21.7%;GLD:21.7%;VNQ:21.7%
US:65.1;EU:15.2;APAC:8.3;EM:9.2;Other:2.1
Value:+0.2;Growth:+1.0;Quality:+0.1;Size:-0.2;Momentum:+0.7;LowVol:+0.7
null
8
25
5.4
trailing 8%
159
24.8
Sideways
15.3
4.45
2.9
128
27
77
45
false
Buy
Add to core equity +1%
4
-37
BrokerB
MKT
96
null
null
Normal monitoring
-49
-10
1
4
false
Tax-aware sells next window
P7142
Cautious
Trust
USD
2025-06-19
823,580
105,019
718,561
1
50.3
32.2
0
17.5
VTI:28.3%;TLT:28.3%;VNQ:27.1%;HYG:16.4%
US:62.2;EU:20.5;APAC:11.3;EM:5.6;Other:0.5
Value:-0.4;Growth:-0.7;Quality:-0.2;Size:+0.2;Momentum:-0.4;LowVol:-0.1
ESGOnly;NoMargin
10
30
4.3
trailing 8%
115
14.4
Bear
23.6
3.88
1.2
188
5
55
54
false
Sell
Trim extended winner -1%
5
-32
BrokerA
MKT
90
null
null
Normal monitoring
-30
-53
90
5
false
Tighten stops on momentum names
P7143
Hands-off
Trust
USD
2024-12-19
648,634
44,350
604,284
1
65.6
27.8
0
6.6
BRK.B:20.0%;MUB:18.2%;GLD:20.2%;AAPL:8.1%;XLF:13.5%;VTI:20.0%
US:63.1;EU:17.1;APAC:6.9;EM:8.6;Other:4.2
Value:+0.6;Growth:-0.2;Quality:-0.4;Size:0.0;Momentum:+0.7;LowVol:+0.7
null
8
30
3.3
hard 10%
118
18.7
Bear
34.3
3.17
2.4
149
-37
25
84
true
Hedge
Buy index puts 1% notional
28
-25
BrokerA
LMT
90
Drift>tolerance
Reduce
Allocation drift beyond policy bands
-42
-17
91
5
false
Increase defensive factor exposure
P7144
Active
Roth
USD
2025-01-19
2,440,870
248,533
2,192,337
1
56.4
25.3
11.5
6.9
VNQ:33.3%;BND:33.3%;IEF:33.3%
US:63.8;EU:12.5;APAC:14.9;EM:4.3;Other:4.5
Value:+0.5;Growth:+0.7;Quality:-0.3;Size:-0.5;Momentum:-0.6;LowVol:+0.5
NoDerivatives
10
30
4.5
trailing 9%
210
19.2
Volatile
30.9
3.81
2.3
160
-57
13
69
false
Sell
Trim extended winner -1%
5
-25
BrokerC
VWAP
86
null
null
Normal monitoring
114
10
244
5
false
Tax-aware sells next window
P7145
Cautious
401k
USD
2025-04-25
895,042
73,791
821,251
1
36.4
36
12.4
15.2
TLT:33.3%;IEF:33.3%;VTI:33.3%
US:64.8;EU:7.2;APAC:17.0;EM:5.3;Other:5.7
Value:+0.9;Growth:+0.2;Quality:+0.4;Size:-0.0;Momentum:-0.8;LowVol:-0.1
ESGOnly;NoMargin
5
25
3
hard 10%
112
16.6
Bull
12.3
4.04
3.2
117
87
83
23
true
Hedge
Buy index puts 1% notional
10
-10
BrokerB
LMT
90
Drift>tolerance
Reduce
Allocation drift beyond policy bands
34
14
84
5
false
Within IPS guidelines
P7146
Cautious
Taxable
USD
2025-06-30
538,856
74,845
464,011
1
42.8
40.7
0
16.5
AMZN:35.1%;VNQ:29.8%;VOO:35.1%
US:70.9;EU:9.8;APAC:12.6;EM:6.2;Other:0.5
Value:-0.0;Growth:+0.1;Quality:-0.4;Size:+1.0;Momentum:0.0;LowVol:-0.1
NoDerivatives;NoMargin
6
25
5.9
trailing 10%
122
12.9
Bear
22.5
3.8
1.5
191
-114
5
57
false
Rebalance
Shift +1% to bonds from equity
29
-17
BrokerB
VWAP
97
null
null
Normal monitoring
69
-2
156
4
false
Tighten stops on momentum names
P7147
Systematic
Trust
USD
2025-12-11
738,572
70,970
667,602
1
59
26.3
6
8.7
QQQ:18.5%;BND:18.7%;VNQ:13.0%;VTI:18.9%;XLF:9.9%;AAPL:21.0%
US:74.4;EU:6.1;APAC:13.7;EM:4.8;Other:1.1
Value:+0.2;Growth:-0.1;Quality:+0.9;Size:-0.6;Momentum:+0.9;LowVol:+0.7
MaxPos8%
8
30
5
trailing 8%
181
20.9
Bear
31.5
4.28
2.9
198
-80
15
88
true
Rebalance
Rebalance back to target bands
26
7
BrokerC
MKT
87
Drift>tolerance
TightenStops
Allocation drift beyond policy bands
-1
-2
32
5
false
Tighten stops on momentum names
P7148
Active
Roth
USD
2024-09-11
2,485,614
261,449
2,224,165
1.23
59.4
26.2
6.6
7.8
TLT:11.9%;GLD:19.3%;BND:10.5%;AMZN:22.9%;AAPL:22.9%;VTI:12.5%
US:62.3;EU:11.3;APAC:9.6;EM:12.0;Other:4.8
Value:-0.1;Growth:-0.3;Quality:+0.6;Size:-0.2;Momentum:+0.9;LowVol:0.0
NoDerivatives
5
25
4.7
trailing 9%
190
23.8
Sideways
18.3
4.98
2.6
99
59
87
54
false
Rebalance
Shift +1% to bonds from equity
6
-17
BrokerA
LMT
94
null
null
Normal monitoring
60
0
120
3
false
Increase defensive factor exposure
P7149
Cautious
401k
USD
2025-02-20
639,914
100,742
539,172
1
48.5
34.5
1.8
15.3
BND:23.1%;AAPL:12.8%;MUB:17.8%;TLT:23.1%;VNQ:23.1%
US:78.8;EU:5.2;APAC:8.1;EM:6.6;Other:1.2
Value:-0.2;Growth:+0.4;Quality:+0.9;Size:-0.8;Momentum:+0.3;LowVol:+0.7
ESGOnly;MaxPos7%;NoDerivatives;NoMargin
10
30
3.1
trailing 10%
163
16.6
Bull
14.9
3.69
3.4
100
109
100
47
false
NoAction
Within bands; monitor
20
13
BrokerC
MKT
0
null
null
Normal monitoring
-8
-30
12
5
false
Tax-aware sells next window
P7150
Cautious
401k
USD
2024-10-13
679,692
107,285
572,407
1
48.9
39.6
0
11.5
TLT:11.3%;IEF:20.6%;BND:22.7%;BRK.B:22.7%;QQQ:22.7%
US:65.3;EU:17.8;APAC:6.4;EM:6.8;Other:3.8
Value:+0.8;Growth:-0.6;Quality:-0.7;Size:-0.3;Momentum:+0.8;LowVol:-0.6
ESGOnly;NoDerivatives;NoMargin
6
30
3.1
trailing 8%
135
17.6
Sideways
18.1
3.61
2.2
96
14
66
53
false
Rebalance
Shift +1% to bonds from equity
17
-30
BrokerD
VWAP
91
null
null
Normal monitoring
42
15
89
4
false
Within IPS guidelines
P7151
Active
Taxable
USD
2025-03-26
1,226,179
146,420
1,079,759
1.18
63.7
26.7
0
9.5
IEF:15.4%;HYG:25.5%;VOO:25.5%;AMZN:21.3%;TSLA:12.3%
US:58.1;EU:21.3;APAC:11.4;EM:6.3;Other:2.8
Value:+0.5;Growth:+0.1;Quality:+0.4;Size:-0.8;Momentum:+0.3;LowVol:-0.7
NoDerivatives
7
35
4.8
hard 12%
196
23.2
Bear
28.4
3.46
1.8
134
21
70
73
true
Hedge
Buy index puts 1% notional
32
-34
BrokerC
MKT
86
RegimeShift
Hedge
Volatility spike and breadth deterioration
118
-53
149
4
false
Monitor dispersion and breadth
P7152
Hands-off
IRA
USD
2025-02-14
306,878
27,529
279,349
1
72.8
21.7
0
5.5
XLF:17.8%;HYG:21.8%;AMZN:10.7%;VTI:21.8%;TLT:19.3%;MUB:8.7%
US:71.0;EU:12.6;APAC:9.6;EM:5.7;Other:1.1
Value:+0.5;Growth:-0.3;Quality:+0.7;Size:-0.0;Momentum:-0.5;LowVol:+0.9
ESGOnly;NoDerivatives
5
35
3.9
trailing 8%
109
17.1
Bear
31.7
3.87
1.9
155
40
63
92
true
Hedge
Buy index puts 1% notional
19
-31
BrokerC
MKT
89
VAR>budget
Reduce
Risk above budget threshold
51
6
21
4
false
Monitor dispersion and breadth
P7153
Opportunistic
Trust
USD
2024-12-12
972,766
64,610
908,156
1.14
74.3
13.2
5.8
6.8
BND:33.3%;GLD:33.3%;BRK.B:33.3%
US:60.2;EU:17.7;APAC:9.4;EM:10.5;Other:2.2
Value:+0.1;Growth:-1.0;Quality:+0.2;Size:-0.5;Momentum:+0.1;LowVol:+0.1
MaxPos8%
6
35
5.4
trailing 7%
209
20.2
Bear
24.5
4.05
1.2
171
-73
5
64
false
Buy
Add to core equity +1%
-12
-23
BrokerB
LMT
93
null
null
Normal monitoring
-43
6
91
4
false
Tighten stops on momentum names
P7154
Hands-off
IRA
USD
2025-10-08
669,910
62,717
607,193
1
68
15.6
9.9
6.5
VOO:20.7%;AAPL:20.7%;TLT:14.7%;VNQ:8.9%;XLF:14.2%;HYG:20.7%
US:63.7;EU:17.3;APAC:5.6;EM:9.2;Other:4.2
Value:0.0;Growth:-0.4;Quality:+0.8;Size:+0.9;Momentum:+0.6;LowVol:+0.2
NoDerivatives
6
25
3.3
hard 10%
141
15.4
Bull
14.4
4.15
3.1
96
43
76
40
false
Rebalance
Shift +1% to bonds from equity
-4
-26
BrokerC
MKT
92
null
null
Normal monitoring
80
-59
147
4
false
Monitor dispersion and breadth
P7155
Cautious
Trust
USD
2025-10-17
827,075
121,461
705,614
1
47
31.1
8.8
13.1
IEF:33.3%;TSLA:33.3%;BRK.B:33.3%
US:73.6;EU:12.2;APAC:7.6;EM:3.2;Other:3.5
Value:-0.4;Growth:-0.7;Quality:+0.7;Size:+0.6;Momentum:-0.7;LowVol:+0.3
ESGOnly;NoDerivatives;NoMargin
7
30
4
hard 10%
109
19.4
Volatile
20.4
4.08
3.6
139
53
85
39
false
Hedge
Add TLT +1% as duration hedge
21
-37
BrokerB
LMT
85
null
null
Normal monitoring
37
-28
133
5
false
Increase defensive factor exposure
P7156
Opportunistic
Trust
USD
2025-03-09
1,761,468
127,384
1,634,084
1
75
13
7.3
4.7
QQQ:33.3%;VTI:33.3%;BND:33.3%
US:64.7;EU:14.9;APAC:10.5;EM:8.5;Other:1.4
Value:+0.7;Growth:-0.3;Quality:+0.1;Size:-0.1;Momentum:0.0;LowVol:-0.8
MaxPos6%
5
25
4.2
trailing 7%
220
28.5
Sideways
19.7
4.23
2.1
122
44
82
61
false
Buy
Add to core equity +1%
19
10
BrokerA
MKT
98
null
null
Normal monitoring
58
8
140
5
false
Increase defensive factor exposure
P7157
Systematic
IRA
USD
2025-11-21
1,995,642
123,944
1,871,698
1
66.3
24.2
3.6
5.9
BRK.B:22.0%;XLF:19.6%;QQQ:20.8%;MSFT:15.5%;VOO:22.0%
US:77.4;EU:5.5;APAC:8.5;EM:7.1;Other:1.5
Value:+0.2;Growth:-0.6;Quality:-0.4;Size:-0.6;Momentum:+0.5;LowVol:-0.2
NoDerivatives
10
30
4.7
hard 12%
143
20.6
Bear
34.2
3.47
1.7
149
1
61
90
true
Rebalance
Rebalance back to target bands
34
-11
BrokerC
VWAP
100
Drift>tolerance
TightenStops
Allocation drift beyond policy bands
-39
-25
-25
3
false
Tighten stops on momentum names
P7158
Active
Trust
USD
2025-12-18
1,328,899
113,451
1,215,448
1
53.7
21
16.5
8.8
GLD:33.3%;AMZN:33.3%;VNQ:33.3%
US:67.7;EU:14.7;APAC:9.8;EM:6.8;Other:1.0
Value:+0.6;Growth:-0.3;Quality:-0.7;Size:+0.4;Momentum:+0.5;LowVol:+0.1
MaxPos5%
8
35
5.3
trailing 9%
214
23.6
Bull
15.6
4.24
2.4
113
69
98
33
false
Rebalance
Shift +1% to bonds from equity
33
4
BrokerD
MKT
93
null
null
Normal monitoring
-58
-30
-90
5
false
Tighten stops on momentum names
P7159
Active
Roth
USD
2025-05-11
1,110,639
113,038
997,601
1.12
60.7
28
4.2
7.1
IEF:26.9%;BRK.B:25.1%;GLD:26.9%;MUB:21.1%
US:67.4;EU:10.9;APAC:13.1;EM:7.2;Other:1.4
Value:+0.8;Growth:+0.2;Quality:+0.8;Size:+0.1;Momentum:-0.7;LowVol:+0.7
null
7
25
5
trailing 8%
130
27.2
Volatile
27.5
3.95
2
173
78
84
63
false
Rebalance
Shift +1% to bonds from equity
-15
4
BrokerD
MKT
98
null
null
Normal monitoring
74
-14
134
4
false
Tighten stops on momentum names
P7160
Hands-off
Roth
USD
2025-02-13
758,300
48,044
710,256
1
69.4
21.9
3.4
5.4
VNQ:10.7%;MSFT:24.1%;IEF:17.1%;GLD:24.1%;TLT:24.1%
US:74.7;EU:6.9;APAC:10.1;EM:7.3;Other:1.0
Value:+0.4;Growth:+0.8;Quality:+0.2;Size:+0.8;Momentum:-0.8;LowVol:-0.1
NoDerivatives
10
35
5.6
hard 10%
151
13.5
Volatile
28.7
4.45
3.3
144
37
56
84
true
Rebalance
Rebalance back to target bands
17
-40
BrokerC
MKT
99
RegimeShift
Reduce
Volatility spike and breadth deterioration
56
0
62
4
false
Increase defensive factor exposure
P7161
Active
Roth
USD
2025-09-08
2,356,236
252,299
2,103,937
1
54.7
18.4
18.3
8.6
TSLA:22.3%;BND:22.3%;VTI:22.3%;MUB:15.6%;AAPL:6.9%;VNQ:10.7%
US:73.4;EU:8.1;APAC:6.7;EM:8.4;Other:3.4
Value:+0.9;Growth:+0.9;Quality:-0.3;Size:+1.0;Momentum:-0.2;LowVol:-0.5
MaxPos6%
8
25
4.9
hard 12%
219
16.7
Sideways
21.8
3.7
3.1
109
35
63
60
false
Rebalance
Shift +1% to bonds from equity
32
-13
BrokerB
MKT
98
null
null
Normal monitoring
-11
-40
75
3
false
Tax-aware sells next window
P7162
Hands-off
Taxable
USD
2025-09-06
632,862
62,709
570,153
1
58
19.3
15.1
7.6
XLF:23.0%;TSLA:13.6%;BRK.B:23.0%;VTI:23.0%;VOO:17.3%
US:64.7;EU:8.0;APAC:13.9;EM:11.6;Other:1.8
Value:+0.1;Growth:-0.4;Quality:+0.5;Size:-0.8;Momentum:+0.5;LowVol:-0.5
MaxPos5%
8
25
5.4
hard 10%
122
13.1
Bull
15.6
4.11
3.5
73
33
52
47
false
Hedge
Add TLT +1% as duration hedge
20
9
BrokerD
VWAP
94
null
null
Normal monitoring
116
-9
190
5
false
Tax-aware sells next window
P7163
Cautious
Trust
USD
2025-03-28
238,250
27,252
210,998
1
35.8
43.4
6.7
14.1
MSFT:20.3%;VOO:12.4%;VNQ:18.0%;QQQ:15.9%;IEF:18.4%;AAPL:15.0%
US:70.3;EU:16.6;APAC:4.7;EM:6.1;Other:2.3
Value:-0.4;Growth:-0.1;Quality:-0.9;Size:-1.0;Momentum:-0.2;LowVol:-0.7
ESGOnly;MaxPos6%;NoMargin
8
35
4.9
hard 10%
126
16.7
Bull
14.3
3.89
3.1
90
76
84
29
false
Rebalance
Shift +1% to bonds from equity
-7
-11
BrokerC
LMT
89
null
null
Normal monitoring
-38
-7
-53
4
false
Within IPS guidelines
P7164
Opportunistic
IRA
USD
2025-09-09
901,999
28,803
873,196
1.21
73.4
11
7
8.5
QQQ:33.3%;GLD:33.3%;AMZN:33.3%
US:62.8;EU:17.8;APAC:7.4;EM:8.3;Other:3.6
Value:-0.7;Growth:-0.5;Quality:-0.7;Size:-0.9;Momentum:-0.1;LowVol:+0.9
MaxPos6%
5
35
6.6
trailing 7%
183
32
Sideways
14.2
4.83
2.6
126
-11
42
43
true
Hedge
Buy index puts 1% notional
-11
-37
BrokerD
LMT
91
Drift>tolerance
Reduce
Allocation drift beyond policy bands
4
-4
53
4
false
Within IPS guidelines
P7165
Hands-off
Taxable
USD
2025-02-19
796,871
52,179
744,692
1
67.3
15.9
9.3
7.5
AAPL:28.4%;XLF:28.4%;IEF:14.9%;TLT:28.4%
US:63.7;EU:7.9;APAC:17.9;EM:5.2;Other:5.3
Value:-0.3;Growth:-0.8;Quality:-0.9;Size:+0.5;Momentum:+0.1;LowVol:+0.2
ESGOnly;MaxPos7%;NoDerivatives
5
30
5
trailing 8%
96
14.6
Bull
17.8
4.83
2.9
114
59
77
55
false
Rebalance
Shift +1% to bonds from equity
-9
-15
BrokerA
MKT
86
null
null
Normal monitoring
12
-46
40
3
false
Tighten stops on momentum names
P7166
Opportunistic
Roth
USD
2024-09-07
745,565
28,972
716,593
1.12
73
13.6
8.2
5.2
GLD:34.1%;MUB:34.1%;QQQ:31.9%
US:64.9;EU:15.6;APAC:6.8;EM:8.1;Other:4.5
Value:+0.2;Growth:+0.3;Quality:+0.4;Size:+0.3;Momentum:+0.8;LowVol:+0.3
MaxPos7%
8
25
5.1
hard 12%
210
24.9
Bull
11.2
3.84
3.1
104
83
100
36
false
Rebalance
Shift +1% to bonds from equity
-7
-14
BrokerB
VWAP
86
null
null
Normal monitoring
109
-52
161
3
false
Tighten stops on momentum names
P7167
Cautious
Trust
USD
2024-08-18
865,565
93,692
771,873
1
52.1
33.4
0
14.5
VNQ:27.5%;IEF:27.5%;GLD:23.5%;TSLA:21.6%
US:63.4;EU:17.8;APAC:10.6;EM:7.9;Other:0.3
Value:-0.7;Growth:-0.5;Quality:+0.6;Size:+0.2;Momentum:+0.2;LowVol:-0.2
NoMargin
5
30
5.4
hard 10%
139
12.2
Bear
34.7
4.05
2.8
137
6
44
82
true
Hedge
Buy index puts 1% notional
9
-40
BrokerA
LMT
96
RegimeShift
Hedge
Volatility spike and breadth deterioration
73
-31
190
5
false
Increase defensive factor exposure
P7168
Cautious
Roth
USD
2024-07-07
530,754
47,566
483,188
1
48.8
41.2
0
10
GLD:22.1%;VTI:26.0%;IEF:26.0%;BND:26.0%
US:70.3;EU:15.2;APAC:7.4;EM:5.0;Other:2.1
Value:-0.4;Growth:+0.2;Quality:+0.4;Size:+0.4;Momentum:-1.0;LowVol:-0.8
MaxPos5%;NoMargin
6
30
5.4
trailing 8%
125
14.6
Bull
16.1
3.5
3.5
107
98
100
47
true
Reduce
Cut high-beta by 2-3%, add cash
34
-4
BrokerC
LMT
94
RegimeShift
Reduce
Volatility spike and breadth deterioration
21
9
101
3
true
Tighten stops on momentum names
P7169
Systematic
IRA
USD
2025-10-03
567,822
41,363
526,459
1
61.2
27.6
3.5
7.7
XLF:33.4%;VNQ:33.1%;BND:33.4%
US:78.2;EU:6.2;APAC:7.4;EM:3.4;Other:4.7
Value:+0.5;Growth:-0.5;Quality:+0.4;Size:+0.6;Momentum:-0.4;LowVol:-0.2
NoDerivatives
10
35
4.3
hard 12%
155
21.2
Bull
13.6
4.21
3
97
28
78
36
false
Rebalance
Shift +1% to bonds from equity
7
-11
BrokerA
LMT
90
null
null
Normal monitoring
-36
-59
-28
4
false
Tax-aware sells next window
P7170
Cautious
401k
USD
2025-09-26
750,383
70,482
679,901
1
41.5
35.2
5.6
17.8
QQQ:27.7%;VNQ:22.4%;TLT:22.1%;BRK.B:27.7%
US:73.0;EU:7.9;APAC:13.1;EM:4.5;Other:1.5
Value:-0.4;Growth:-0.4;Quality:-0.2;Size:-1.0;Momentum:+1.0;LowVol:+0.4
NoMargin
8
30
3.2
trailing 10%
130
12.5
Volatile
29
4.62
4
147
-52
15
69
false
Sell
Trim extended winner -1%
20
-33
BrokerD
LMT
99
null
null
Normal monitoring
-19
-49
110
4
false
Within IPS guidelines
P7171
Opportunistic
401k
USD
2024-11-06
1,397,017
74,934
1,322,083
1
77.8
10.8
4.1
7.3
VNQ:16.4%;AMZN:24.7%;BND:9.4%;IEF:24.7%;MSFT:24.7%
US:61.5;EU:18.2;APAC:11.8;EM:7.2;Other:1.3
Value:-0.1;Growth:+1.0;Quality:+0.9;Size:-0.7;Momentum:+0.5;LowVol:-0.2
MaxPos8%
10
30
6.7
trailing 7%
172
28.7
Sideways
18.2
3.69
3.3
113
-24
29
63
false
Buy
Add to core equity +1%
23
-19
BrokerB
LMT
93
null
null
Normal monitoring
66
-30
174
4
false
Increase defensive factor exposure
P7172
Cautious
401k
USD
2025-01-08
649,387
87,111
562,276
1
39.3
30.5
18.9
11.3
TSLA:26.7%;VNQ:26.7%;HYG:26.7%;VTI:19.8%
US:73.9;EU:7.0;APAC:10.3;EM:3.9;Other:5.0
Value:-0.6;Growth:+0.7;Quality:-0.6;Size:-0.1;Momentum:+0.7;LowVol:+0.1
NoMargin
10
35
5
trailing 8%
144
12.5
Bull
11.5
4.55
3.2
88
51
68
32
false
NoAction
Within bands; monitor
-3
-7
BrokerA
LMT
88
null
null
Normal monitoring
-14
17
22
3
false
Increase defensive factor exposure
P7173
Active
Roth
USD
2025-02-06
2,225,539
143,271
2,082,268
1
51.6
18.1
24.8
5.4
QQQ:23.4%;TLT:23.4%;MSFT:23.4%;VTI:9.1%;IEF:20.7%
US:71.1;EU:7.3;APAC:11.2;EM:5.9;Other:4.6
Value:-0.3;Growth:-0.2;Quality:-0.4;Size:+0.2;Momentum:+0.7;LowVol:+0.2
MaxPos8%;NoDerivatives
10
25
4.4
trailing 9%
178
20.8
Bull
14.1
4.36
2.3
119
38
80
39
false
Sell
Trim extended winner -1%
35
-30
BrokerC
MKT
85
null
null
Normal monitoring
106
-15
154
5
false
Within IPS guidelines
P7174
Cautious
Trust
USD
2024-09-10
365,121
44,547
320,574
1
46.9
39.4
2.6
11
XLF:12.3%;QQQ:19.9%;TSLA:20.8%;BND:20.8%;GLD:8.0%;MSFT:18.2%
US:74.9;EU:10.0;APAC:8.8;EM:4.8;Other:1.5
Value:+0.6;Growth:-0.6;Quality:+0.2;Size:-0.0;Momentum:+0.4;LowVol:+0.8
ESGOnly;NoDerivatives;NoMargin
6
25
5.9
trailing 8%
119
14.5
Bull
12.6
4.38
3
85
75
76
39
false
Sell
Trim extended winner -1%
6
-33
BrokerD
MKT
99
null
null
Normal monitoring
-13
-17
39
3
false
Tax-aware sells next window
P7175
Cautious
401k
USD
2025-02-09
525,193
54,940
470,253
1
49.2
38.8
0
12
VNQ:20.8%;XLF:18.2%;AAPL:18.6%;VTI:10.6%;BRK.B:15.1%;TLT:16.6%
US:62.7;EU:15.2;APAC:10.8;EM:7.2;Other:4.1
Value:-0.8;Growth:+0.3;Quality:-0.0;Size:-0.7;Momentum:-0.2;LowVol:-0.2
ESGOnly;MaxPos6%;NoMargin
5
25
5.8
trailing 10%
134
15.8
Sideways
21.6
3.99
2.8
130
39
64
56
false
Buy
Add to core equity +1%
-1
-31
BrokerC
LMT
96
null
null
Normal monitoring
64
4
76
3
false
Increase defensive factor exposure
P7176
Cautious
Taxable
USD
2025-07-17
835,950
84,586
751,364
1
46.2
32.8
9.4
11.6
VTI:25.8%;TSLA:22.6%;GLD:25.8%;VNQ:25.8%
US:67.5;EU:10.9;APAC:8.6;EM:10.7;Other:2.3
Value:-0.7;Growth:+0.5;Quality:-0.9;Size:+0.2;Momentum:-0.9;LowVol:-0.5
ESGOnly;NoMargin
6
30
5.9
trailing 10%
163
19.6
Bear
32.8
4.23
1.8
197
-47
22
77
true
Hedge
Buy index puts 1% notional
27
0
BrokerD
LMT
96
RegimeShift
Hedge
Volatility spike and breadth deterioration
96
-26
76
5
false
Tax-aware sells next window
P7177
Active
Roth
USD
2025-10-17
1,704,714
116,129
1,588,585
1.1
53.1
25.3
16
5.6
TSLA:15.4%;AMZN:12.2%;VTI:21.1%;AAPL:21.1%;MSFT:9.2%;BRK.B:21.1%
US:64.5;EU:16.9;APAC:10.8;EM:6.6;Other:1.1
Value:-0.9;Growth:+0.6;Quality:+1.0;Size:+0.5;Momentum:+0.2;LowVol:-0.9
MaxPos5%;NoDerivatives
7
30
6
trailing 9%
229
25.8
Volatile
31.7
3.93
2.8
166
-25
33
85
true
Reduce
Cut high-beta by 2-3%, add cash
29
-7
BrokerB
MKT
92
VAR>budget
Reduce
Risk above budget threshold
115
-46
87
2
false
Increase defensive factor exposure
P7178
Active
Trust
USD
2024-07-25
1,240,931
94,297
1,146,634
1
62.2
28.4
0
9.4
VOO:20.9%;TLT:10.8%;HYG:19.0%;GLD:17.5%;IEF:20.9%;MUB:10.9%
US:59.6;EU:16.1;APAC:11.4;EM:10.9;Other:2.0
Value:-0.6;Growth:-0.7;Quality:+1.0;Size:-0.5;Momentum:-0.5;LowVol:-0.4
MaxPos5%
10
35
5.8
trailing 9%
228
16.8
Volatile
27.2
5.46
2.2
149
2
36
63
false
Buy
Add to core equity +1%
20
-7
BrokerC
MKT
90
null
null
Normal monitoring
88
-28
215
3
false
Monitor dispersion and breadth
P7179
Opportunistic
IRA
USD
2025-01-16
1,527,030
114,681
1,412,349
1
64.8
21.6
8.8
4.9
QQQ:10.4%;AMZN:23.3%;TSLA:23.3%;XLF:23.3%;VNQ:19.6%
US:75.8;EU:8.0;APAC:10.6;EM:5.0;Other:0.7
Value:+0.3;Growth:+0.5;Quality:+1.0;Size:+0.6;Momentum:-0.6;LowVol:-0.3
MaxPos7%
8
25
5.4
trailing 9%
184
22.6
Volatile
30.2
4.97
2.5
168
38
82
77
true
Hedge
Buy index puts 1% notional
33
-27
BrokerD
VWAP
92
VAR>budget
Hedge
Risk above budget threshold
104
3
156
5
false
Monitor dispersion and breadth
P7180
Systematic
IRA
USD
2024-11-29
1,979,780
89,008
1,890,772
1
61.5
25.8
3.1
9.5
XLF:33.3%;BND:33.3%;MUB:33.3%
US:63.3;EU:15.7;APAC:13.5;EM:5.0;Other:2.4
Value:+0.7;Growth:-0.3;Quality:+0.1;Size:-0.5;Momentum:-0.9;LowVol:+0.6
null
6
30
4.6
trailing 9%
175
17.7
Sideways
15.8
4.23
2.7
132
-5
33
44
false
Buy
Add to core equity +1%
-3
8
BrokerB
MKT
86
null
null
Normal monitoring
88
-11
121
5
false
Tax-aware sells next window
P7181
Opportunistic
Roth
USD
2025-06-09
1,101,896
86,260
1,015,636
1
73.7
18.6
0
7.7
VOO:27.7%;MUB:22.8%;TSLA:21.8%;IEF:27.7%
US:70.8;EU:11.5;APAC:6.7;EM:9.3;Other:1.7
Value:-0.5;Growth:-0.2;Quality:+0.7;Size:-0.4;Momentum:-0.9;LowVol:-0.4
null
10
30
6.1
trailing 9%
229
24.2
Bull
16.9
3.97
3.3
94
47
80
59
false
Buy
Add to core equity +1%
-5
-35
BrokerD
MKT
86
null
null
Normal monitoring
95
-10
83
3
false
Tax-aware sells next window
P7182
Opportunistic
Trust
USD
2025-08-01
1,511,939
87,341
1,424,598
1
70.7
20.6
1.6
7.2
GLD:27.2%;BRK.B:26.6%;VNQ:20.8%;MUB:25.4%
US:74.2;EU:8.9;APAC:12.2;EM:4.3;Other:0.5
Value:-0.9;Growth:-0.8;Quality:-0.5;Size:-0.6;Momentum:+0.4;LowVol:+0.5
null
10
30
4.9
hard 12%
231
29.9
Bull
11.2
4.35
2.7
100
56
84
37
false
Buy
Add to core equity +1%
-14
14
BrokerA
VWAP
86
null
null
Normal monitoring
88
-44
225
4
false
Within IPS guidelines
P7183
Systematic
Roth
USD
2025-04-19
1,631,410
92,636
1,538,774
1
60.7
21.7
9.1
8.5
BRK.B:26.5%;BND:21.0%;HYG:26.5%;MUB:26.1%
US:66.2;EU:6.5;APAC:14.2;EM:8.2;Other:4.8
Value:+0.6;Growth:-0.3;Quality:-0.1;Size:+0.9;Momentum:-0.8;LowVol:-0.7
NoDerivatives
6
35
4
trailing 8%
160
20.5
Volatile
24.1
3.9
3.6
129
13
50
68
false
Buy
Add to core equity +1%
-13
5
BrokerA
MKT
90
null
null
Normal monitoring
-35
-24
-11
3
false
Monitor dispersion and breadth
P7184
Cautious
Taxable
USD
2025-12-05
872,804
132,419
740,385
1
35.5
31.7
21.4
11.3
VNQ:20.9%;HYG:20.2%;IEF:22.8%;GLD:13.3%;VOO:22.8%
US:68.5;EU:11.7;APAC:6.1;EM:11.5;Other:2.2
Value:-0.9;Growth:-0.0;Quality:+0.8;Size:+0.5;Momentum:+0.9;LowVol:-0.2
NoMargin
8
25
5.7
trailing 8%
142
12
Volatile
20.7
4.3
3.5
123
62
77
45
false
NoAction
Within bands; monitor
-3
-9
BrokerC
MKT
0
null
null
Normal monitoring
15
-2
74
4
false
Increase defensive factor exposure
P7185
Cautious
Taxable
USD
2025-09-09
209,693
23,950
185,743
1
46.9
33.8
4.6
14.7
MUB:20.6%;AMZN:8.2%;AAPL:16.1%;HYG:20.6%;BRK.B:18.2%;IEF:16.4%
US:74.2;EU:6.6;APAC:9.7;EM:8.5;Other:1.0
Value:-0.5;Growth:-0.7;Quality:-0.2;Size:+0.2;Momentum:-0.4;LowVol:-0.5
MaxPos8%;NoMargin
5
35
4.2
trailing 8%
162
13.4
Volatile
24.6
5.03
2.2
155
-22
53
57
false
Rebalance
Shift +1% to bonds from equity
-4
-7
BrokerD
MKT
100
null
null
Normal monitoring
-43
3
39
3
false
Tighten stops on momentum names
P7186
Cautious
IRA
USD
2025-09-16
761,846
67,037
694,809
1
47.2
34.6
6.1
12.2
VTI:23.2%;XLF:22.6%;TSLA:16.2%;MSFT:20.8%;VNQ:17.2%
US:64.3;EU:10.5;APAC:14.0;EM:7.3;Other:4.0
Value:-0.0;Growth:0.0;Quality:-0.2;Size:-0.4;Momentum:-0.9;LowVol:-0.2
ESGOnly;MaxPos8%;NoDerivatives;NoMargin
10
30
4.1
trailing 8%
168
12.4
Bear
25.9
3.57
2.3
166
-52
15
65
false
NoAction
Within bands; monitor
-6
-30
BrokerC
LMT
85
null
null
Normal monitoring
105
-52
143
4
false
Tighten stops on momentum names
P7187
Opportunistic
IRA
USD
2025-04-04
1,552,471
137,992
1,414,479
1
75.6
17.2
0
7.3
BRK.B:11.3%;IEF:22.2%;MSFT:22.1%;HYG:22.2%;AMZN:22.2%
US:55.2;EU:19.2;APAC:10.7;EM:11.7;Other:3.1
Value:-0.8;Growth:-0.8;Quality:-0.4;Size:+0.2;Momentum:0.0;LowVol:-0.8
null
5
25
6.4
hard 12%
246
30.3
Sideways
19.6
4.43
2.4
110
16
61
59
false
Sell
Trim extended winner -1%
15
3
BrokerB
MKT
90
null
null
Normal monitoring
110
-48
96
5
false
Increase defensive factor exposure
P7188
Cautious
IRA
USD
2024-12-22
170,583
26,757
143,826
1
40.7
41.6
3.5
14.2
TSLA:35.4%;TLT:35.4%;VNQ:29.2%
US:73.4;EU:6.2;APAC:9.6;EM:9.4;Other:1.4
Value:+0.6;Growth:+0.2;Quality:-0.4;Size:+0.4;Momentum:0.0;LowVol:+0.3
MaxPos5%;NoMargin
5
25
5
hard 10%
114
14.4
Volatile
30.1
4.05
2.3
157
-60
17
57
false
Rebalance
Shift +1% to bonds from equity
26
11
BrokerC
LMT
93
null
null
Normal monitoring
-8
-30
90
4
false
Monitor dispersion and breadth
P7189
Hands-off
Trust
USD
2024-09-07
787,925
76,216
711,709
1
62.1
29.7
1.7
6.5
VTI:12.9%;BND:19.7%;XLF:22.5%;TSLA:22.5%;MSFT:22.5%
US:70.4;EU:6.0;APAC:9.6;EM:11.1;Other:3.0
Value:0.0;Growth:-0.6;Quality:+0.8;Size:+0.1;Momentum:+1.0;LowVol:+0.7
null
8
25
4.4
trailing 8%
147
18.3
Volatile
22.5
4.8
2.5
132
53
63
67
false
Rebalance
Shift +1% to bonds from equity
28
-29
BrokerC
MKT
99
null
null
Normal monitoring
110
6
174
5
false
Tighten stops on momentum names
P7190
Opportunistic
Trust
USD
2025-04-20
356,517
20,941
335,576
1
62.7
16.3
16.7
4.2
GLD:21.6%;MSFT:16.7%;IEF:19.9%;VOO:10.3%;TLT:9.9%;HYG:21.6%
US:60.7;EU:19.2;APAC:12.9;EM:6.5;Other:0.7
Value:+0.3;Growth:+0.9;Quality:+0.5;Size:-0.2;Momentum:-0.1;LowVol:-0.3
null
8
35
6.8
trailing 7%
168
21.3
Bull
13.5
3.77
2.6
74
63
72
37
false
Sell
Trim extended winner -1%
18
-16
BrokerA
MKT
90
null
null
Normal monitoring
111
-4
223
4
false
Tax-aware sells next window
P7191
Systematic
401k
USD
2025-05-21
561,467
51,577
509,890
1
64.6
28.5
0
6.9
TSLA:11.1%;VTI:25.1%;TLT:25.1%;XLF:11.3%;MSFT:17.4%;BRK.B:10.1%
US:55.8;EU:18.6;APAC:11.3;EM:11.3;Other:3.0
Value:-0.5;Growth:-0.2;Quality:-0.2;Size:-0.8;Momentum:-0.2;LowVol:-0.3
null
6
30
4.3
trailing 8%
176
27.5
Volatile
20.2
4.63
2.5
158
-8
34
57
false
Rebalance
Shift +1% to bonds from equity
-15
5
BrokerC
MKT
92
null
null
Normal monitoring
38
-7
70
3
false
Monitor dispersion and breadth
P7192
Cautious
IRA
USD
2025-06-12
397,091
32,218
364,873
1
38.3
31.9
13.9
15.9
MSFT:29.0%;VNQ:13.0%;BND:29.0%;TLT:29.0%
US:74.1;EU:6.7;APAC:7.9;EM:10.9;Other:0.3
Value:-0.5;Growth:+0.2;Quality:-0.3;Size:-0.9;Momentum:-0.9;LowVol:+0.5
ESGOnly;MaxPos8%;NoDerivatives;NoMargin
7
25
4.6
hard 10%
143
13.1
Bull
14.3
4.35
2.2
97
69
91
30
false
Sell
Trim extended winner -1%
33
5
BrokerC
MKT
88
null
null
Normal monitoring
51
3
104
4
false
Monitor dispersion and breadth
P7193
Hands-off
Trust
USD
2024-09-25
828,312
38,298
790,014
1
64.8
20.1
7.4
7.7
AAPL:33.9%;TLT:33.9%;XLF:32.1%
US:62.9;EU:17.2;APAC:12.9;EM:5.9;Other:1.1
Value:+0.3;Growth:+0.7;Quality:+0.3;Size:-0.2;Momentum:-0.4;LowVol:+0.4
ESGOnly
7
30
5.5
trailing 8%
161
12.5
Sideways
20.5
4.63
3.2
93
-14
30
59
false
Buy
Add to core equity +1%
-5
-23
BrokerD
MKT
98
null
null
Normal monitoring
24
-43
82
3
false
Tax-aware sells next window
P7194
Systematic
Trust
USD
2025-05-24
1,991,329
121,905
1,869,424
1
63.7
21.6
6.2
8.5
XLF:25.0%;BRK.B:25.0%;QQQ:25.0%;MUB:25.0%
US:70.1;EU:13.3;APAC:6.7;EM:9.7;Other:0.2
Value:-0.1;Growth:+0.3;Quality:-1.0;Size:-0.5;Momentum:-0.2;LowVol:-0.7
MaxPos8%
8
35
4.8
trailing 8%
157
21.6
Bull
17.8
4.96
2.8
74
118
100
45
false
Buy
Add to core equity +1%
9
14
BrokerC
LMT
85
null
null
Normal monitoring
-48
-39
71
3
false
Increase defensive factor exposure
P7195
Hands-off
Taxable
USD
2025-03-21
528,206
24,868
503,338
1
72.8
18.9
1.8
6.4
HYG:20.7%;BND:20.7%;AAPL:20.7%;VTI:6.2%;GLD:10.8%;VNQ:20.7%
US:61.5;EU:17.1;APAC:13.6;EM:6.8;Other:1.0
Value:+0.5;Growth:-0.3;Quality:-0.3;Size:+0.1;Momentum:-0.6;LowVol:+0.5
ESGOnly
7
25
5.3
trailing 8%
132
17.7
Sideways
20.3
3.76
2.4
94
38
64
68
false
Hedge
Add TLT +1% as duration hedge
1
6
BrokerC
LMT
100
null
null
Normal monitoring
96
-53
223
3
false
Tighten stops on momentum names
P7196
Hands-off
Roth
USD
2025-09-22
586,291
34,487
551,804
1
60.7
21.4
10.8
7.1
IEF:11.3%;TLT:18.8%;QQQ:16.0%;HYG:20.3%;AAPL:14.1%;VNQ:19.5%
US:68.4;EU:13.8;APAC:8.8;EM:6.5;Other:2.4
Value:+0.7;Growth:+0.9;Quality:+0.6;Size:+0.4;Momentum:-0.7;LowVol:0.0
ESGOnly
7
35
5.1
hard 10%
113
19
Bull
12.5
4.37
2.2
79
113
100
44
false
Rebalance
Shift +1% to bonds from equity
33
-4
BrokerA
MKT
88
null
null
Normal monitoring
0
12
95
4
false
Increase defensive factor exposure
P7197
Hands-off
IRA
USD
2025-09-09
777,329
66,591
710,738
1
64.8
16.1
12.1
7
XLF:17.4%;AAPL:22.3%;QQQ:11.0%;BRK.B:24.6%;MUB:24.6%
US:65.0;EU:18.8;APAC:7.7;EM:7.8;Other:0.7
Value:-0.4;Growth:+0.4;Quality:-0.6;Size:+0.9;Momentum:-0.4;LowVol:+0.4
ESGOnly
5
30
5.1
trailing 8%
101
13.1
Bear
28.5
4
1.6
134
-31
42
67
false
Buy
Add to core equity +1%
3
-31
BrokerB
LMT
93
null
null
Normal monitoring
100
-52
89
4
false
Monitor dispersion and breadth
P7198
Cautious
Trust
USD
2025-04-25
295,722
32,558
263,164
1
40.4
41.6
3.7
14.3
VOO:27.1%;BRK.B:27.1%;AMZN:18.6%;QQQ:27.1%
US:67.0;EU:6.2;APAC:13.9;EM:9.5;Other:3.5
Value:+0.7;Growth:-0.6;Quality:+0.7;Size:-0.6;Momentum:-0.3;LowVol:-0.9
ESGOnly;MaxPos7%;NoMargin
10
30
4.6
hard 10%
115
12.6
Sideways
16.3
3.99
3.2
127
-21
47
35
false
Hedge
Add TLT +1% as duration hedge
-3
-27
BrokerC
MKT
92
null
null
Normal monitoring
53
-37
95
3
false
Within IPS guidelines
P7199
Hands-off
Roth
USD
2025-07-31
782,838
31,329
751,509
1
56.8
19.9
15
8.3
AMZN:20.5%;IEF:16.6%;MSFT:13.5%;TLT:12.3%;GLD:16.7%;XLF:20.5%
US:75.2;EU:6.6;APAC:6.5;EM:9.6;Other:2.2
Value:-0.9;Growth:-0.3;Quality:+0.2;Size:+1.0;Momentum:+0.4;LowVol:+0.7
ESGOnly;MaxPos7%
5
35
5.5
trailing 8%
163
15.5
Bull
11
4.3
3.1
116
76
99
41
false
NoAction
Within bands; monitor
12
7
BrokerB
LMT
93
null
null
Normal monitoring
81
-18
200
5
false
Tax-aware sells next window
P7200
Opportunistic
401k
USD
2025-04-17
1,701,913
118,007
1,583,906
1.15
71.9
19.8
0
8.3
BRK.B:33.3%;IEF:33.3%;MUB:33.3%
US:66.3;EU:16.9;APAC:8.7;EM:7.5;Other:0.7
Value:-0.8;Growth:-0.5;Quality:+1.0;Size:-0.5;Momentum:+0.7;LowVol:+0.2
null
10
25
5
hard 12%
171
26.6
Bear
30.9
4.49
2.5
178
-77
8
76
true
Reduce
Cut high-beta by 2-3%, add cash
-11
-24
BrokerB
LMT
96
VAR>budget
Reduce
Risk above budget threshold
78
16
134
2
false
Tighten stops on momentum names