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
P7501
Active
Trust
USD
2025-08-02
1,757,499
131,557
1,625,942
1
63.6
29.2
0.1
7.1
HYG:21.3%;MUB:20.6%;MSFT:21.3%;TLT:16.3%;AMZN:20.5%
US:60.7;EU:19.1;APAC:13.2;EM:4.2;Other:2.7
Value:+0.3;Growth:-0.6;Quality:-0.3;Size:-0.3;Momentum:-0.5;LowVol:-0.4
null
8
30
5.9
trailing 8%
214
18.9
Volatile
27.6
3.71
2.7
137
56
92
74
true
Rebalance
Rebalance back to target bands
21
15
BrokerA
VWAP
91
VAR>budget
Hedge
Risk above budget threshold
96
-36
113
4
false
Monitor dispersion and breadth
P7502
Systematic
Trust
USD
2025-05-06
908,523
65,768
842,755
1
56.6
31.1
3.7
8.6
MSFT:18.3%;GLD:8.1%;VNQ:20.7%;TLT:8.9%;VOO:21.9%;MUB:22.2%
US:58.9;EU:15.7;APAC:12.6;EM:9.7;Other:3.1
Value:-0.5;Growth:-0.3;Quality:+0.4;Size:+0.7;Momentum:-0.2;LowVol:-0.1
MaxPos8%
6
25
4.6
trailing 8%
176
18.2
Bull
17.7
3.69
3.3
115
56
66
53
false
Buy
Add to core equity +1%
22
2
BrokerB
LMT
88
null
null
Normal monitoring
68
-23
139
4
false
Increase defensive factor exposure
P7503
Cautious
401k
USD
2024-09-28
872,733
73,437
799,296
1
41.3
39.5
6.6
12.6
VOO:25.1%;AMZN:10.6%;AAPL:25.1%;GLD:14.2%;BND:25.1%
US:56.1;EU:17.0;APAC:14.1;EM:10.8;Other:2.0
Value:+1.0;Growth:+0.6;Quality:+0.5;Size:-0.9;Momentum:-0.3;LowVol:-0.4
ESGOnly;NoMargin
10
30
5.9
hard 10%
123
14.7
Bull
18
4.08
2.9
84
109
95
33
false
Buy
Add to core equity +1%
18
0
BrokerB
LMT
92
null
null
Normal monitoring
16
7
-6
3
false
Tax-aware sells next window
P7504
Hands-off
IRA
USD
2025-08-15
707,633
51,989
655,644
1
58.2
21.9
12.9
6.9
TSLA:7.5%;TLT:18.7%;BND:20.2%;IEF:17.6%;MSFT:15.5%;GLD:20.4%
US:59.5;EU:19.8;APAC:11.2;EM:8.6;Other:0.9
Value:+0.7;Growth:-0.8;Quality:+0.7;Size:+0.5;Momentum:-0.4;LowVol:+0.8
ESGOnly
5
25
5
trailing 8%
153
16.9
Bull
11
4.47
2.9
91
56
66
32
false
NoAction
Within bands; monitor
-3
-34
BrokerB
MKT
0
null
null
Normal monitoring
71
-5
201
4
false
Tighten stops on momentum names
P7505
Active
IRA
USD
2025-08-06
2,485,105
207,346
2,277,759
1.24
65.2
29.7
0
5.1
BND:20.3%;QQQ:10.9%;VTI:18.8%;MUB:19.8%;TLT:15.5%;VOO:14.7%
US:69.8;EU:17.8;APAC:6.6;EM:4.9;Other:1.0
Value:+0.1;Growth:-0.6;Quality:-0.8;Size:-0.7;Momentum:-0.9;LowVol:-0.5
NoDerivatives
7
25
5.3
trailing 8%
148
19.2
Sideways
16.3
4.71
2.1
97
5
52
43
false
Rebalance
Shift +1% to bonds from equity
15
-40
BrokerC
LMT
100
null
null
Normal monitoring
31
6
107
5
false
Tax-aware sells next window
P7506
Hands-off
IRA
USD
2024-11-02
321,710
25,547
296,163
1
69.7
19.8
0.5
10
HYG:33.3%;BND:33.3%;VTI:33.3%
US:64.7;EU:14.3;APAC:16.1;EM:4.3;Other:0.5
Value:+0.5;Growth:-0.1;Quality:+0.2;Size:-0.9;Momentum:+0.7;LowVol:-0.2
MaxPos5%
5
30
5.6
trailing 8%
117
14.7
Volatile
27.8
4.91
4.3
128
31
50
72
true
Reduce
Cut high-beta by 2-3%, add cash
-6
-17
BrokerD
VWAP
90
RegimeShift
Reduce
Volatility spike and breadth deterioration
106
-39
133
4
false
Tax-aware sells next window
P7507
Systematic
Roth
USD
2025-08-16
1,028,816
52,328
976,488
1
56.7
20.3
16.6
6.5
BND:18.3%;QQQ:16.3%;MUB:20.9%;BRK.B:22.2%;AMZN:22.2%
US:75.8;EU:6.2;APAC:11.0;EM:5.7;Other:1.2
Value:-0.4;Growth:+0.7;Quality:+0.1;Size:-0.8;Momentum:-0.4;LowVol:+0.3
NoDerivatives
10
35
5.5
trailing 8%
175
16.6
Bull
11.9
3.94
2.7
119
57
73
27
false
Rebalance
Shift +1% to bonds from equity
-3
-5
BrokerA
MKT
92
null
null
Normal monitoring
92
-1
69
4
false
Increase defensive factor exposure
P7508
Systematic
IRA
USD
2025-07-28
1,905,898
187,443
1,718,455
1
58.8
23.8
11
6.5
IEF:33.3%;AMZN:33.3%;VOO:33.3%
US:65.2;EU:10.3;APAC:12.3;EM:9.0;Other:3.2
Value:+0.2;Growth:-0.4;Quality:-0.3;Size:+0.8;Momentum:+0.1;LowVol:-0.5
MaxPos7%
6
30
5.8
trailing 8%
176
22
Sideways
14.1
4.78
3.4
117
17
56
40
false
Rebalance
Shift +1% to bonds from equity
28
-7
BrokerD
VWAP
86
null
null
Normal monitoring
46
-21
106
3
false
Tax-aware sells next window
P7509
Systematic
401k
USD
2025-01-27
767,845
69,720
698,125
1
59.3
33.3
1.2
6.2
GLD:21.6%;IEF:25.4%;MSFT:26.1%;HYG:27.0%
US:61.6;EU:16.4;APAC:11.6;EM:6.3;Other:4.1
Value:-0.1;Growth:-0.7;Quality:+0.6;Size:-0.8;Momentum:+0.8;LowVol:-0.5
null
7
30
5.1
hard 12%
186
17.6
Bull
13
4.26
3.5
93
50
75
35
true
Hedge
Buy index puts 1% notional
32
-39
BrokerD
LMT
91
VAR>budget
Hedge
Risk above budget threshold
7
-19
30
4
false
Tax-aware sells next window
P7510
Active
Taxable
USD
2025-01-24
2,032,928
135,007
1,897,921
1
59.3
21.4
13.4
5.9
MSFT:33.3%;AAPL:33.3%;MUB:33.3%
US:71.4;EU:13.0;APAC:6.0;EM:6.8;Other:2.9
Value:-0.6;Growth:+0.3;Quality:+0.4;Size:-0.5;Momentum:-0.7;LowVol:+0.7
MaxPos5%;NoDerivatives
5
35
4.1
trailing 8%
180
22.2
Volatile
24.2
4.72
2.9
132
20
61
71
true
Reduce
Cut high-beta by 2-3%, add cash
-5
-6
BrokerA
LMT
92
VAR>budget
Hedge
Risk above budget threshold
95
15
231
4
false
Tighten stops on momentum names
P7511
Cautious
Roth
USD
2025-04-14
732,001
83,947
648,054
1
46.8
30.5
11.5
11.2
GLD:33.3%;HYG:33.3%;QQQ:33.3%
US:71.6;EU:4.7;APAC:11.2;EM:9.9;Other:2.6
Value:+0.1;Growth:-0.4;Quality:-0.1;Size:+0.8;Momentum:-0.8;LowVol:+0.3
ESGOnly;MaxPos8%;NoMargin
10
30
4.3
hard 10%
147
16.5
Bull
12
4.35
3
89
9
58
31
false
Rebalance
Shift +1% to bonds from equity
-9
14
BrokerC
VWAP
92
null
null
Normal monitoring
-49
-52
1
4
false
Tax-aware sells next window
P7512
Active
IRA
USD
2025-04-21
623,037
59,713
563,324
1
59.7
30.3
0.9
9
VNQ:22.5%;HYG:22.5%;MUB:21.8%;MSFT:22.0%;TLT:11.3%
US:64.7;EU:15.7;APAC:7.3;EM:8.5;Other:3.7
Value:-0.5;Growth:-0.2;Quality:+0.8;Size:-0.2;Momentum:+0.9;LowVol:+0.5
null
5
35
4.8
trailing 8%
154
19.7
Bear
30.4
3.09
2.9
204
-49
18
70
false
Rebalance
Shift +1% to bonds from equity
25
-29
BrokerA
MKT
94
null
null
Normal monitoring
63
-19
41
4
false
Increase defensive factor exposure
P7513
Active
IRA
USD
2025-10-27
1,195,346
126,215
1,069,131
1
68.1
26.1
0
5.8
GLD:26.4%;VOO:20.9%;QQQ:26.4%;BRK.B:26.4%
US:55.3;EU:19.1;APAC:11.0;EM:11.9;Other:2.7
Value:+0.6;Growth:+0.1;Quality:0.0;Size:+0.9;Momentum:-0.6;LowVol:-0.4
MaxPos7%
8
30
5
hard 12%
178
20.6
Bull
12.3
3.62
2.5
89
12
56
54
false
Buy
Add to core equity +1%
-11
15
BrokerA
LMT
93
null
null
Normal monitoring
-28
15
63
3
false
Tax-aware sells next window
P7514
Hands-off
Trust
USD
2024-09-07
677,732
63,061
614,671
1
56.5
28.3
5.8
9.4
BND:13.9%;VTI:14.9%;GLD:21.7%;HYG:11.1%;BRK.B:20.5%;TSLA:17.9%
US:62.7;EU:14.3;APAC:12.8;EM:6.7;Other:3.6
Value:+0.5;Growth:-0.5;Quality:+0.9;Size:+1.0;Momentum:+0.4;LowVol:+0.7
ESGOnly
10
30
4.4
trailing 8%
118
19.1
Bear
28.2
4.37
1.1
205
-59
20
77
true
Hedge
Buy index puts 1% notional
10
-36
BrokerD
VWAP
87
Drift>tolerance
Hedge
Allocation drift beyond policy bands
58
-7
171
4
false
Within IPS guidelines
P7515
Opportunistic
IRA
USD
2025-11-03
668,628
59,286
609,342
1
67.3
19.3
8.3
5.1
AMZN:20.8%;VTI:20.2%;MSFT:13.7%;BND:20.8%;MUB:16.8%;HYG:7.8%
US:64.6;EU:9.9;APAC:8.6;EM:12.0;Other:5.0
Value:-0.4;Growth:-0.5;Quality:+0.3;Size:-0.8;Momentum:+0.4;LowVol:+0.2
MaxPos6%
7
25
6.5
trailing 7%
183
32.2
Sideways
14.7
3.89
2.9
126
-15
40
42
false
Buy
Add to core equity +1%
6
5
BrokerA
MKT
96
null
null
Normal monitoring
-32
18
-11
4
false
Monitor dispersion and breadth
P7516
Active
IRA
USD
2025-11-04
730,868
75,527
655,341
1
61.5
29.8
0
8.7
BND:14.8%;BRK.B:10.7%;HYG:21.6%;MSFT:18.4%;TLT:21.6%;MUB:12.8%
US:65.7;EU:9.2;APAC:13.3;EM:8.9;Other:2.9
Value:-0.9;Growth:+0.8;Quality:+0.4;Size:+0.7;Momentum:-0.5;LowVol:+0.8
null
5
30
4.7
trailing 8%
145
26.4
Volatile
21.9
4.66
4.1
126
-45
25
52
false
Rebalance
Shift +1% to bonds from equity
14
10
BrokerB
LMT
87
null
null
Normal monitoring
68
-40
151
4
false
Tighten stops on momentum names
P7517
Hands-off
IRA
USD
2024-11-11
320,453
18,001
302,452
1
58.5
16.1
18.8
6.6
MUB:24.1%;TSLA:25.3%;AMZN:25.3%;BRK.B:25.3%
US:60.5;EU:16.5;APAC:8.9;EM:10.2;Other:3.9
Value:+0.2;Growth:+0.7;Quality:+0.1;Size:+0.8;Momentum:+0.5;LowVol:-0.6
null
5
35
5.7
trailing 8%
168
17.3
Sideways
15.1
4.54
2.8
118
51
82
47
false
Sell
Trim extended winner -1%
2
-37
BrokerD
MKT
87
null
null
Normal monitoring
87
10
145
4
false
Increase defensive factor exposure
P7518
Cautious
Roth
USD
2025-06-22
166,157
18,256
147,901
1
50.2
38
0
11.8
HYG:18.7%;TSLA:24.5%;MSFT:17.1%;VNQ:24.5%;VOO:15.2%
US:59.1;EU:11.4;APAC:13.5;EM:10.8;Other:5.1
Value:-0.5;Growth:-0.6;Quality:-0.2;Size:+0.6;Momentum:+0.8;LowVol:-0.6
NoMargin
7
30
5.4
hard 10%
117
14.9
Bull
13.3
3.83
2.6
114
60
65
34
false
Buy
Add to core equity +1%
-5
14
BrokerD
LMT
95
null
null
Normal monitoring
-28
-46
-34
4
false
Increase defensive factor exposure
P7519
Hands-off
Taxable
USD
2025-03-29
425,286
34,968
390,318
1
67.4
25.5
0
7.1
MSFT:19.2%;TSLA:26.9%;IEF:26.9%;MUB:26.9%
US:58.1;EU:20.0;APAC:12.4;EM:7.2;Other:2.4
Value:-0.1;Growth:-0.2;Quality:-0.6;Size:-0.2;Momentum:-0.4;LowVol:-0.8
NoDerivatives
7
30
4.8
hard 10%
131
14.7
Bull
18
4.6
2.4
77
109
95
65
true
Rebalance
Rebalance back to target bands
1
-25
BrokerC
LMT
98
RegimeShift
TightenStops
Volatility spike and breadth deterioration
-20
-9
45
3
true
Within IPS guidelines
P7520
Hands-off
IRA
USD
2025-01-19
381,068
15,530
365,538
1
64
27.2
0
8.8
AMZN:22.0%;GLD:11.9%;MSFT:22.0%;TLT:11.0%;HYG:13.9%;XLF:19.4%
US:71.6;EU:9.9;APAC:8.8;EM:8.5;Other:1.1
Value:-0.4;Growth:+0.6;Quality:-0.9;Size:-0.9;Momentum:+0.8;LowVol:+0.4
null
7
35
4.2
trailing 10%
147
17.6
Bull
14.3
3.53
2.8
91
29
78
42
false
Rebalance
Shift +1% to bonds from equity
16
-12
BrokerA
MKT
97
null
null
Normal monitoring
-56
-48
61
5
false
Tax-aware sells next window
P7521
Cautious
Taxable
USD
2024-07-21
388,260
39,850
348,410
1
36.4
31.6
19
13
GLD:24.1%;AAPL:14.5%;XLF:24.1%;VTI:13.1%;BRK.B:24.1%
US:62.4;EU:17.1;APAC:11.3;EM:7.4;Other:1.9
Value:-0.5;Growth:-0.8;Quality:-0.2;Size:+0.9;Momentum:-0.8;LowVol:-0.0
ESGOnly;NoDerivatives;NoMargin
10
25
5.3
trailing 8%
158
19.8
Volatile
29.4
5.21
3.7
168
15
45
54
true
Reduce
Cut high-beta by 2-3%, add cash
24
-30
BrokerB
LMT
93
Drift>tolerance
Reduce
Allocation drift beyond policy bands
28
-48
128
4
false
Increase defensive factor exposure
P7522
Cautious
Trust
USD
2024-11-27
824,599
104,848
719,751
1
45.7
33.8
10.1
10.4
GLD:27.4%;AAPL:27.4%;VNQ:27.4%;QQQ:17.8%
US:71.1;EU:13.5;APAC:9.4;EM:5.8;Other:0.2
Value:+0.3;Growth:+1.0;Quality:-0.4;Size:-0.7;Momentum:+0.4;LowVol:-0.2
ESGOnly;MaxPos6%;NoMargin
10
30
5.7
trailing 8%
100
14.5
Bear
29.9
3.35
2.4
181
-15
48
59
false
Buy
Add to core equity +1%
-14
4
BrokerC
LMT
99
null
null
Normal monitoring
31
-10
5
5
false
Monitor dispersion and breadth
P7523
Cautious
Roth
USD
2025-03-15
885,649
139,768
745,881
1
36.9
33.8
13.2
16.1
TLT:21.5%;VOO:22.1%;BRK.B:22.1%;IEF:14.1%;BND:20.3%
US:65.2;EU:13.9;APAC:11.0;EM:8.0;Other:2.0
Value:-0.1;Growth:-0.6;Quality:-0.0;Size:-0.2;Momentum:+0.5;LowVol:-1.0
NoMargin
7
25
3.2
trailing 10%
111
16
Sideways
14.3
4.82
2.5
111
41
84
20
false
Sell
Trim extended winner -1%
-9
-2
BrokerD
MKT
93
null
null
Normal monitoring
-38
-6
44
3
false
Tax-aware sells next window
P7524
Active
401k
USD
2025-04-24
891,451
84,327
807,124
1.12
69
23.1
0
7.9
TLT:12.7%;XLF:23.7%;QQQ:23.7%;AMZN:23.7%;HYG:16.1%
US:67.7;EU:17.0;APAC:6.9;EM:6.5;Other:1.9
Value:+0.7;Growth:+0.4;Quality:-0.8;Size:+0.9;Momentum:-0.5;LowVol:+0.5
NoDerivatives
7
25
5.2
trailing 8%
226
22.6
Bull
15.4
4.76
3.3
93
71
78
49
false
Rebalance
Shift +1% to bonds from equity
10
-17
BrokerD
LMT
88
null
null
Normal monitoring
-26
-5
56
3
false
Increase defensive factor exposure
P7525
Opportunistic
Taxable
USD
2025-11-01
1,011,475
73,863
937,612
1.15
70.6
12.1
9.6
7.7
GLD:14.4%;BRK.B:10.0%;IEF:21.2%;TLT:21.7%;TSLA:11.0%;QQQ:21.7%
US:65.1;EU:13.8;APAC:10.9;EM:5.6;Other:4.6
Value:+0.1;Growth:+0.7;Quality:-0.4;Size:+0.5;Momentum:-0.1;LowVol:+0.7
null
7
25
5
hard 12%
166
28.3
Volatile
27.4
4.78
3.4
168
35
82
75
true
Rebalance
Rebalance back to target bands
-3
7
BrokerD
LMT
89
VAR>budget
TightenStops
Risk above budget threshold
37
-25
147
2
true
Monitor dispersion and breadth
P7526
Cautious
IRA
USD
2024-11-04
233,040
22,957
210,083
1
47.7
31.1
3.8
17.4
TLT:13.2%;QQQ:22.6%;AMZN:12.8%;AAPL:8.4%;MUB:20.4%;HYG:22.6%
US:63.0;EU:7.8;APAC:14.6;EM:11.1;Other:3.6
Value:+0.9;Growth:+0.1;Quality:-0.6;Size:-0.2;Momentum:-0.1;LowVol:+1.0
NoMargin
5
35
3.1
trailing 8%
156
15
Volatile
24.5
4.98
4.5
142
-6
44
50
false
NoAction
Within bands; monitor
22
-8
BrokerB
MKT
0
null
null
Normal monitoring
95
-43
193
5
false
Tighten stops on momentum names
P7527
Active
401k
USD
2025-07-12
2,449,206
194,096
2,255,110
1.09
53.5
32
9
5.5
BND:12.4%;TSLA:23.6%;HYG:23.6%;GLD:23.2%;MSFT:17.2%
US:61.4;EU:19.6;APAC:6.6;EM:7.9;Other:4.6
Value:-0.6;Growth:-0.0;Quality:-0.9;Size:-0.1;Momentum:-0.2;LowVol:-0.4
null
8
25
5.7
hard 12%
192
25.3
Volatile
21.9
4.58
3.1
135
-49
39
61
false
Buy
Add to core equity +1%
1
-37
BrokerD
LMT
89
null
null
Normal monitoring
18
-5
8
4
false
Tax-aware sells next window
P7528
Hands-off
401k
USD
2025-12-25
751,012
37,507
713,505
1
67.7
26
0
6.3
VNQ:13.8%;AMZN:13.8%;HYG:23.6%;QQQ:24.4%;BRK.B:24.4%
US:73.5;EU:5.6;APAC:12.3;EM:5.7;Other:2.9
Value:+0.3;Growth:-0.6;Quality:+0.3;Size:+0.3;Momentum:-0.2;LowVol:+0.3
ESGOnly;MaxPos5%;NoDerivatives
7
35
3.7
hard 10%
126
19.7
Bear
34.3
3.22
2
140
-101
5
99
true
Hedge
Buy index puts 1% notional
8
-39
BrokerC
LMT
94
VAR>budget
Hedge
Risk above budget threshold
25
-30
160
5
false
Tighten stops on momentum names
P7529
Systematic
Trust
USD
2024-10-05
1,698,417
158,771
1,539,646
1
66.3
27.5
0.9
5.3
VTI:33.3%;IEF:33.3%;VNQ:33.3%
US:66.1;EU:12.7;APAC:6.2;EM:11.3;Other:3.6
Value:+1.0;Growth:-0.5;Quality:-0.9;Size:-0.8;Momentum:+0.2;LowVol:+0.7
NoDerivatives
7
35
4.1
trailing 9%
151
22.2
Bear
23.4
4.04
2.4
148
-22
24
76
true
Rebalance
Rebalance back to target bands
-2
-14
BrokerA
LMT
89
RegimeShift
Hedge
Volatility spike and breadth deterioration
-26
-16
69
3
false
Within IPS guidelines
P7530
Active
IRA
USD
2025-08-04
899,632
82,951
816,681
1
57.3
22.7
13.1
6.8
VNQ:15.5%;BND:24.2%;AAPL:17.0%;QQQ:24.2%;GLD:19.2%
US:52.1;EU:17.1;APAC:15.0;EM:10.7;Other:5.1
Value:+0.8;Growth:-0.5;Quality:+0.2;Size:+0.3;Momentum:+0.5;LowVol:+0.6
null
5
30
4.2
trailing 9%
218
24.6
Volatile
26.3
4.35
2.8
133
-34
47
63
false
Sell
Trim extended winner -1%
-5
9
BrokerA
MKT
96
null
null
Normal monitoring
-28
-14
9
3
false
Increase defensive factor exposure
P7531
Hands-off
Trust
USD
2024-08-30
357,740
30,515
327,225
1
65.3
20.4
8.9
5.4
QQQ:22.1%;MSFT:18.7%;TLT:14.8%;VOO:23.6%;VTI:20.7%
US:60.5;EU:16.9;APAC:13.6;EM:6.0;Other:2.9
Value:-0.9;Growth:0.0;Quality:+0.9;Size:+0.7;Momentum:-0.6;LowVol:-0.6
NoDerivatives
10
35
4.9
trailing 8%
131
13.7
Sideways
14.2
3.85
2.3
123
31
58
54
false
Rebalance
Shift +1% to bonds from equity
1
-9
BrokerA
VWAP
97
null
null
Normal monitoring
78
-52
160
4
false
Monitor dispersion and breadth
P7532
Active
Taxable
USD
2025-03-02
980,602
68,895
911,707
1
58.2
25.7
6.9
9.1
TSLA:21.5%;MUB:9.0%;VOO:20.0%;QQQ:19.2%;AAPL:8.8%;TLT:21.5%
US:54.5;EU:18.7;APAC:14.3;EM:10.5;Other:1.9
Value:-0.4;Growth:-0.4;Quality:-0.9;Size:+0.8;Momentum:+0.9;LowVol:+0.8
MaxPos6%
8
35
5.9
trailing 8%
165
26.2
Bear
22.3
3.53
1.1
216
39
80
56
false
Rebalance
Shift +1% to bonds from equity
24
10
BrokerB
VWAP
86
null
null
Normal monitoring
109
4
171
5
false
Monitor dispersion and breadth
P7533
Systematic
Trust
USD
2024-12-18
821,443
48,764
772,679
1
57.9
22.8
11.3
7.9
BND:23.0%;AMZN:23.0%;VOO:8.8%;HYG:23.0%;BRK.B:22.3%
US:65.3;EU:18.0;APAC:9.2;EM:3.7;Other:3.8
Value:-0.1;Growth:-0.3;Quality:-0.2;Size:-0.6;Momentum:+0.3;LowVol:-0.3
NoDerivatives
5
30
5.6
hard 12%
219
21
Bull
17.2
4.77
3.2
105
104
90
47
false
Rebalance
Shift +1% to bonds from equity
22
-26
BrokerA
LMT
87
null
null
Normal monitoring
-32
-24
-60
5
false
Within IPS guidelines
P7534
Systematic
401k
USD
2024-11-11
1,287,695
56,976
1,230,719
1
62.5
23.6
4.5
9.4
AAPL:5.9%;TLT:12.5%;TSLA:18.9%;VOO:20.9%;VTI:20.9%;MSFT:20.9%
US:55.1;EU:20.4;APAC:11.4;EM:10.1;Other:3.0
Value:+0.7;Growth:-0.0;Quality:+0.1;Size:+0.7;Momentum:-0.7;LowVol:-0.8
null
8
35
5.9
hard 12%
134
20.4
Volatile
29.7
4.6
3.6
176
31
54
82
true
Reduce
Cut high-beta by 2-3%, add cash
2
-8
BrokerC
LMT
90
VAR>budget
Hedge
Risk above budget threshold
48
-53
121
3
false
Monitor dispersion and breadth
P7535
Cautious
Taxable
USD
2025-02-02
239,268
23,674
215,594
1
36.5
33.3
17.5
12.7
QQQ:26.8%;XLF:20.9%;HYG:29.8%;VOO:22.4%
US:67.3;EU:7.6;APAC:11.4;EM:11.7;Other:1.9
Value:+0.9;Growth:-0.0;Quality:-0.2;Size:+0.7;Momentum:-0.4;LowVol:+0.2
ESGOnly;NoDerivatives;NoMargin
10
30
3.2
hard 10%
96
13
Sideways
21.9
3.94
2.7
102
54
76
48
false
Buy
Add to core equity +1%
27
-19
BrokerA
MKT
90
null
null
Normal monitoring
-44
9
-39
3
false
Increase defensive factor exposure
P7536
Systematic
IRA
USD
2025-04-10
1,863,556
94,118
1,769,438
1
55
22.4
16.4
6.2
MSFT:33.3%;BRK.B:33.3%;AAPL:33.3%
US:67.4;EU:15.8;APAC:5.6;EM:10.4;Other:0.9
Value:-0.3;Growth:-0.5;Quality:-0.4;Size:-1.0;Momentum:-0.3;LowVol:+0.9
null
10
35
5.2
trailing 8%
208
17
Volatile
27.6
4.03
2.8
167
80
84
74
true
Reduce
Cut high-beta by 2-3%, add cash
22
-5
BrokerD
VWAP
93
VAR>budget
Reduce
Risk above budget threshold
118
-59
120
4
false
Tighten stops on momentum names
P7537
Systematic
Trust
USD
2025-03-02
1,348,041
129,798
1,218,243
1
55.2
30.5
7.1
7.3
MSFT:34.8%;XLF:30.5%;VOO:34.8%
US:66.6;EU:13.6;APAC:6.3;EM:9.0;Other:4.4
Value:+0.5;Growth:+0.2;Quality:+0.1;Size:+0.4;Momentum:-1.0;LowVol:-0.5
null
10
35
4.2
trailing 8%
207
27.2
Volatile
24.8
4.57
3.7
142
-20
47
62
false
Rebalance
Shift +1% to bonds from equity
28
-11
BrokerD
MKT
88
null
null
Normal monitoring
-59
-54
-97
3
false
Within IPS guidelines
P7538
Systematic
Trust
USD
2025-08-23
1,348,920
120,761
1,228,159
1
55.1
22.7
14.7
7.5
GLD:26.4%;HYG:20.8%;IEF:26.4%;MSFT:26.4%
US:63.2;EU:8.7;APAC:15.6;EM:11.7;Other:0.7
Value:+0.9;Growth:+0.4;Quality:+0.2;Size:-0.1;Momentum:-0.0;LowVol:+0.6
null
10
25
4.8
trailing 9%
187
27.1
Bear
28
3.25
1.6
167
-115
5
76
true
Rebalance
Rebalance back to target bands
18
-38
BrokerD
MKT
87
RegimeShift
Pause
Volatility spike and breadth deterioration
62
-7
52
4
false
Tax-aware sells next window
P7539
Cautious
Trust
USD
2025-10-07
433,951
34,827
399,124
1
35.1
40.1
9.2
15.6
QQQ:22.3%;GLD:9.6%;VNQ:16.6%;MUB:13.9%;MSFT:22.3%;BRK.B:15.2%
US:62.2;EU:12.3;APAC:13.2;EM:11.7;Other:0.5
Value:0.0;Growth:-0.1;Quality:+0.3;Size:+0.3;Momentum:+0.6;LowVol:-0.7
MaxPos8%;NoMargin
5
35
5.8
trailing 8%
136
13.4
Volatile
20.2
4.07
3.8
114
59
92
44
false
NoAction
Within bands; monitor
10
-36
BrokerD
LMT
90
null
null
Normal monitoring
50
-3
80
4
false
Increase defensive factor exposure
P7540
Systematic
IRA
USD
2025-11-23
611,090
60,606
550,484
1
65.6
25.7
0
8.8
QQQ:28.2%;VNQ:35.9%;MUB:35.9%
US:72.2;EU:10.1;APAC:8.0;EM:5.2;Other:4.5
Value:+0.2;Growth:-0.0;Quality:-0.9;Size:+0.4;Momentum:-0.7;LowVol:-0.4
MaxPos5%
6
30
5.4
hard 12%
139
25.4
Sideways
14.4
3.64
3
132
24
53
57
false
Hedge
Add TLT +1% as duration hedge
10
-5
BrokerD
LMT
97
null
null
Normal monitoring
67
3
170
4
false
Monitor dispersion and breadth
P7541
Active
Trust
USD
2025-07-05
1,909,155
119,801
1,789,354
1
59.3
18.5
12.2
10
AAPL:29.6%;TSLA:35.2%;MUB:35.2%
US:66.8;EU:13.8;APAC:8.8;EM:9.7;Other:0.9
Value:+0.5;Growth:-0.3;Quality:+0.1;Size:+0.8;Momentum:-0.4;LowVol:+0.2
null
8
25
5.2
trailing 9%
218
22.1
Volatile
31.1
3.7
3.4
171
-22
39
77
true
Reduce
Cut high-beta by 2-3%, add cash
-5
-13
BrokerB
MKT
97
VAR>budget
Reduce
Risk above budget threshold
35
-2
85
5
false
Within IPS guidelines
P7542
Systematic
Trust
USD
2024-12-09
497,826
20,743
477,083
1
55.3
33
6.5
5.1
TSLA:21.7%;VOO:13.5%;VTI:21.7%;BND:21.4%;HYG:21.7%
US:74.3;EU:12.7;APAC:8.1;EM:4.5;Other:0.4
Value:+0.5;Growth:+0.2;Quality:-0.2;Size:+0.1;Momentum:+0.3;LowVol:+0.4
MaxPos8%
8
30
5
trailing 9%
122
21.7
Bear
34.8
3.36
1.8
186
-61
15
90
true
Rebalance
Rebalance back to target bands
0
-7
BrokerC
VWAP
97
VAR>budget
Hedge
Risk above budget threshold
51
-23
69
3
false
Tax-aware sells next window
P7543
Active
Roth
USD
2025-05-04
2,486,695
157,022
2,329,673
1
69.2
21.3
2.1
7.3
VOO:13.6%;XLF:11.6%;TLT:17.7%;AMZN:21.0%;QQQ:18.7%;TSLA:17.5%
US:67.9;EU:13.6;APAC:11.0;EM:4.2;Other:3.4
Value:-0.3;Growth:+0.2;Quality:-0.7;Size:-0.1;Momentum:-0.0;LowVol:+0.7
NoDerivatives
7
35
5.8
trailing 9%
172
18.6
Sideways
18
3.91
2.4
91
29
68
47
false
Buy
Add to core equity +1%
13
-39
BrokerB
MKT
96
null
null
Normal monitoring
102
-33
232
3
false
Increase defensive factor exposure
P7544
Active
Roth
USD
2025-06-20
2,405,213
228,383
2,176,830
1
58.3
22.3
13.5
5.9
GLD:25.0%;QQQ:25.0%;MSFT:25.0%;BRK.B:25.0%
US:67.4;EU:15.9;APAC:9.2;EM:5.7;Other:1.9
Value:-0.5;Growth:+0.3;Quality:+0.1;Size:+1.0;Momentum:-0.7;LowVol:-0.1
MaxPos5%
6
30
5.7
trailing 8%
205
25.5
Bull
12.7
4.05
2.8
109
22
57
46
true
Rebalance
Rebalance back to target bands
9
-39
BrokerD
LMT
86
Drift>tolerance
Hedge
Allocation drift beyond policy bands
-45
-24
-63
4
false
Increase defensive factor exposure
P7545
Cautious
401k
USD
2025-12-07
260,388
39,593
220,795
1
42.6
41.3
0
16
VOO:16.6%;MSFT:16.4%;GLD:22.3%;TSLA:7.4%;VTI:22.3%;QQQ:15.1%
US:57.5;EU:19.0;APAC:8.0;EM:10.1;Other:5.4
Value:-0.1;Growth:+0.9;Quality:+0.9;Size:+0.7;Momentum:+0.6;LowVol:-0.9
ESGOnly;NoMargin
10
25
3.9
trailing 8%
101
17.5
Volatile
29.8
4.51
2.2
167
72
71
59
false
Hedge
Add TLT +1% as duration hedge
-14
-34
BrokerB
LMT
96
null
null
Normal monitoring
-44
-50
-51
4
false
Within IPS guidelines
P7546
Active
Taxable
USD
2024-09-09
1,567,684
98,727
1,468,957
1
57
26
10.6
6.5
MUB:33.3%;TSLA:33.3%;XLF:33.3%
US:70.3;EU:7.1;APAC:7.9;EM:10.1;Other:4.6
Value:-0.3;Growth:-0.2;Quality:-1.0;Size:+0.2;Momentum:-0.1;LowVol:-0.6
MaxPos6%;NoDerivatives
6
25
5.4
trailing 8%
160
22.2
Bull
14.8
4.95
3.3
116
111
100
43
true
Rebalance
Rebalance back to target bands
24
-13
BrokerB
MKT
96
VAR>budget
Hedge
Risk above budget threshold
-54
-55
14
4
false
Tax-aware sells next window
P7547
Cautious
Trust
USD
2025-04-07
588,370
47,362
541,008
1
40.6
40.5
1.1
17.8
VOO:33.3%;TSLA:33.3%;HYG:33.3%
US:67.1;EU:7.7;APAC:11.2;EM:7.8;Other:6.2
Value:-0.1;Growth:+0.6;Quality:-0.3;Size:+0.1;Momentum:+0.4;LowVol:-0.2
ESGOnly;NoDerivatives;NoMargin
8
30
3.4
hard 10%
95
17.5
Bear
30.3
3.71
2.9
219
-117
5
60
false
Buy
Add to core equity +1%
31
-20
BrokerA
LMT
89
null
null
Normal monitoring
66
-40
113
3
false
Within IPS guidelines
P7548
Active
IRA
USD
2024-08-08
1,565,463
183,768
1,381,695
1
63
29
0
8
TLT:11.7%;VTI:29.4%;GLD:29.4%;AAPL:29.4%
US:62.8;EU:13.0;APAC:12.4;EM:10.5;Other:1.2
Value:0.0;Growth:+0.6;Quality:+0.6;Size:-0.1;Momentum:+0.1;LowVol:-0.3
null
8
25
5.1
trailing 8%
178
20.7
Sideways
21.4
3.58
3.1
95
-22
26
61
false
Sell
Trim extended winner -1%
-4
-19
BrokerA
VWAP
95
null
null
Normal monitoring
39
-34
133
3
false
Tighten stops on momentum names
P7549
Hands-off
Taxable
USD
2025-02-16
598,024
46,293
551,731
1
55.8
21.3
14.7
8.1
AAPL:33.3%;AMZN:33.3%;IEF:33.3%
US:63.4;EU:10.8;APAC:13.5;EM:10.0;Other:2.3
Value:-0.1;Growth:+0.3;Quality:-0.4;Size:-0.2;Momentum:-0.7;LowVol:-0.6
ESGOnly;MaxPos8%;NoDerivatives
10
35
5.4
hard 10%
110
17
Sideways
17.8
4.26
2.7
124
-13
28
55
false
Sell
Trim extended winner -1%
21
7
BrokerC
MKT
93
null
null
Normal monitoring
-27
-44
-29
3
false
Tax-aware sells next window
P7550
Cautious
Trust
USD
2025-06-15
397,367
52,748
344,619
1
52.9
30.2
6.8
10.2
VTI:10.4%;MUB:8.8%;TSLA:22.9%;VOO:12.1%;TLT:22.9%;QQQ:22.9%
US:68.9;EU:11.3;APAC:7.0;EM:8.6;Other:4.3
Value:+0.9;Growth:+0.8;Quality:+0.2;Size:-0.8;Momentum:-0.5;LowVol:-0.5
ESGOnly;NoMargin
7
30
3.7
trailing 10%
136
15.7
Bull
11.9
4.06
3.3
103
116
100
29
false
NoAction
Within bands; monitor
-4
-21
BrokerD
LMT
88
null
null
Normal monitoring
-48
-40
77
5
false
Increase defensive factor exposure
P7551
Active
IRA
USD
2025-04-09
1,353,276
108,280
1,244,996
1
53.5
27
13
6.5
QQQ:14.3%;MUB:18.4%;TSLA:12.9%;BRK.B:14.1%;AAPL:20.2%;TLT:20.2%
US:66.7;EU:11.5;APAC:8.7;EM:9.0;Other:4.1
Value:-0.0;Growth:+0.1;Quality:-1.0;Size:+0.9;Momentum:-0.4;LowVol:+0.4
MaxPos8%
5
25
4.9
trailing 9%
125
22.7
Sideways
21.1
4.65
2.2
123
23
75
52
false
Hedge
Add TLT +1% as duration hedge
-13
2
BrokerB
LMT
96
null
null
Normal monitoring
98
-2
192
4
false
Increase defensive factor exposure
P7552
Opportunistic
Roth
USD
2025-11-27
1,703,555
55,957
1,647,598
1
74
12.5
6
7.6
XLF:8.1%;MSFT:13.2%;AMZN:22.5%;BRK.B:22.5%;GLD:22.5%;MUB:11.1%
US:68.7;EU:9.1;APAC:16.6;EM:4.1;Other:1.5
Value:+0.9;Growth:-0.3;Quality:-0.3;Size:-0.8;Momentum:-0.8;LowVol:+0.2
null
6
30
4.1
trailing 7%
265
33
Sideways
20.5
4.82
2.6
138
-24
33
73
true
Rebalance
Rebalance back to target bands
6
-28
BrokerB
MKT
100
VAR>budget
Pause
Risk above budget threshold
36
-59
21
2
false
Tighten stops on momentum names
P7553
Hands-off
Taxable
USD
2024-10-14
852,756
83,557
769,199
1
68.8
26.3
0
4.8
AMZN:22.8%;MUB:25.7%;IEF:25.7%;VNQ:25.7%
US:58.7;EU:19.1;APAC:9.4;EM:9.5;Other:3.4
Value:-0.6;Growth:-1.0;Quality:+0.3;Size:+0.2;Momentum:-0.7;LowVol:+0.9
null
6
35
4.8
trailing 8%
164
18.7
Bear
31.8
3.59
1.4
203
-69
9
89
true
Rebalance
Rebalance back to target bands
16
-28
BrokerA
VWAP
94
Drift>tolerance
Reduce
Allocation drift beyond policy bands
58
-57
21
2
false
Tax-aware sells next window
P7554
Cautious
Roth
USD
2025-10-10
209,847
26,704
183,143
1
44.7
41.1
0.2
14
VNQ:22.5%;TSLA:22.5%;BND:22.5%;MUB:21.6%;MSFT:11.0%
US:72.6;EU:8.0;APAC:7.4;EM:11.7;Other:0.4
Value:-0.8;Growth:-0.7;Quality:+0.8;Size:-0.2;Momentum:-0.0;LowVol:+0.1
ESGOnly;MaxPos8%;NoMargin
8
30
4.4
trailing 8%
114
17.4
Bull
15.8
3.63
3.4
103
67
96
38
false
Sell
Trim extended winner -1%
-7
-13
BrokerA
MKT
92
null
null
Normal monitoring
56
-7
128
4
false
Within IPS guidelines
P7555
Active
IRA
USD
2025-04-16
891,196
78,793
812,403
1.21
56.2
31.2
4.3
8.3
MSFT:34.5%;BND:34.5%;VOO:31.0%
US:65.8;EU:15.4;APAC:13.4;EM:5.0;Other:0.4
Value:-1.0;Growth:-0.5;Quality:+0.1;Size:+0.9;Momentum:-0.5;LowVol:-0.1
null
10
25
5.5
trailing 8%
126
19.4
Bull
15.6
4.07
2.4
94
65
88
49
false
Rebalance
Shift +1% to bonds from equity
9
-29
BrokerD
VWAP
87
null
null
Normal monitoring
71
-47
142
3
false
Tighten stops on momentum names
P7556
Hands-off
Trust
USD
2025-04-29
570,371
23,802
546,569
1
68.4
21.4
0.3
9.9
IEF:15.2%;HYG:21.4%;TLT:17.9%;MUB:11.2%;VTI:21.4%;BRK.B:12.9%
US:65.4;EU:15.8;APAC:11.6;EM:4.7;Other:2.5
Value:+0.2;Growth:-0.0;Quality:-0.1;Size:-0.4;Momentum:-0.4;LowVol:0.0
ESGOnly;MaxPos6%
5
25
4.2
trailing 8%
115
18
Bull
14.6
3.8
3.2
96
9
56
44
false
Buy
Add to core equity +1%
-9
13
BrokerB
MKT
91
null
null
Normal monitoring
50
-35
55
5
false
Within IPS guidelines
P7557
Active
Trust
USD
2025-07-13
746,569
70,988
675,581
1
63.6
21.7
9.1
5.6
VOO:26.5%;GLD:20.4%;AAPL:26.5%;VNQ:26.5%
US:69.6;EU:11.0;APAC:6.5;EM:10.3;Other:2.6
Value:-0.5;Growth:-0.8;Quality:-1.0;Size:+0.2;Momentum:-0.6;LowVol:+0.9
null
10
30
5
hard 12%
127
26.7
Bull
17.9
3.62
2.1
73
111
100
63
false
Rebalance
Shift +1% to bonds from equity
15
-15
BrokerD
LMT
97
null
null
Normal monitoring
-19
15
96
5
false
Tax-aware sells next window
P7558
Active
Trust
USD
2025-10-17
763,264
63,963
699,301
1
67.1
24.7
0
8.3
IEF:22.1%;TLT:22.1%;VNQ:10.2%;MSFT:22.1%;QQQ:10.6%;AMZN:12.8%
US:79.2;EU:8.3;APAC:5.8;EM:3.5;Other:3.2
Value:+0.1;Growth:+0.1;Quality:+0.1;Size:-0.9;Momentum:-0.1;LowVol:+0.9
MaxPos7%
6
25
4.5
hard 12%
189
17.1
Volatile
21.6
3.84
3.2
157
-11
37
62
false
Rebalance
Shift +1% to bonds from equity
8
-25
BrokerB
LMT
97
null
null
Normal monitoring
89
-6
61
5
false
Tighten stops on momentum names
P7559
Opportunistic
401k
USD
2025-03-02
395,696
16,940
378,756
1
65.5
18.5
8.2
7.8
IEF:26.2%;XLF:21.5%;GLD:26.2%;QQQ:26.2%
US:64.1;EU:13.4;APAC:15.8;EM:6.6;Other:0.2
Value:+0.9;Growth:-0.8;Quality:+0.9;Size:+0.5;Momentum:-0.3;LowVol:+0.5
NoDerivatives
5
25
4.1
trailing 9%
219
30.7
Bull
15
4.31
2.8
107
6
61
47
false
Rebalance
Shift +1% to bonds from equity
11
9
BrokerC
MKT
88
null
null
Normal monitoring
45
-1
179
5
false
Monitor dispersion and breadth
P7560
Opportunistic
Trust
USD
2025-10-28
1,016,951
48,783
968,168
1
67.9
16.9
9.5
5.8
VNQ:22.9%;BRK.B:20.9%;IEF:22.9%;VOO:12.6%;AAPL:9.0%;MUB:11.7%
US:69.9;EU:14.7;APAC:8.0;EM:7.1;Other:0.2
Value:-0.0;Growth:-0.1;Quality:+0.2;Size:-0.8;Momentum:-0.0;LowVol:-0.6
MaxPos5%;NoDerivatives
10
25
6.7
trailing 9%
179
32.2
Bull
16.8
4.15
3.4
106
46
81
44
false
Sell
Trim extended winner -1%
19
-22
BrokerB
LMT
90
null
null
Normal monitoring
-52
3
37
4
false
Tighten stops on momentum names
P7561
Hands-off
Taxable
USD
2024-07-16
171,398
9,827
161,571
1
63.2
19.9
8.4
8.5
MUB:37.5%;VNQ:25.0%;XLF:37.5%
US:66.5;EU:11.9;APAC:14.0;EM:5.2;Other:2.3
Value:-0.9;Growth:-0.1;Quality:-1.0;Size:-0.5;Momentum:+0.9;LowVol:+0.5
ESGOnly;MaxPos6%;NoDerivatives
10
30
5.1
trailing 8%
123
19.6
Bull
13.9
3.78
2.2
70
30
51
42
true
Reduce
Cut high-beta by 2-3%, add cash
32
9
BrokerD
MKT
95
Drift>tolerance
Reduce
Allocation drift beyond policy bands
-39
-44
-21
4
false
Increase defensive factor exposure
P7562
Active
Trust
USD
2025-05-21
1,821,308
199,876
1,621,432
1
51.4
18.2
24
6.5
GLD:26.6%;MSFT:26.6%;VTI:26.6%;AAPL:20.2%
US:57.3;EU:16.0;APAC:11.4;EM:11.4;Other:3.9
Value:0.0;Growth:+0.7;Quality:-0.1;Size:+0.8;Momentum:-0.8;LowVol:+0.7
null
8
30
4.6
hard 12%
154
26.5
Bull
12.7
3.6
2.2
86
41
81
34
false
NoAction
Within bands; monitor
29
-4
BrokerB
LMT
86
null
null
Normal monitoring
31
4
118
4
false
Tax-aware sells next window
P7563
Active
IRA
USD
2025-01-24
2,311,012
141,824
2,169,188
1.22
52.4
27.9
13.5
6.2
BND:24.0%;TSLA:25.3%;MSFT:25.3%;MUB:25.3%
US:71.6;EU:9.0;APAC:7.1;EM:8.5;Other:3.8
Value:+0.5;Growth:+0.8;Quality:+0.1;Size:+0.8;Momentum:+0.8;LowVol:-0.3
MaxPos5%;NoDerivatives
6
35
5
hard 12%
140
16.6
Volatile
21.7
3.54
2.5
132
-36
31
62
false
Sell
Trim extended winner -1%
1
-38
BrokerD
LMT
90
null
null
Normal monitoring
-19
-58
1
3
false
Monitor dispersion and breadth
P7564
Hands-off
401k
USD
2024-10-13
705,280
59,344
645,936
1
62.1
22.3
10.4
5.2
MUB:26.9%;MSFT:26.9%;TSLA:23.7%;IEF:22.5%
US:57.4;EU:16.6;APAC:16.2;EM:7.0;Other:2.8
Value:-0.9;Growth:-0.5;Quality:+0.6;Size:-0.1;Momentum:-0.1;LowVol:+1.0
MaxPos6%
8
30
3.2
hard 10%
155
14.9
Sideways
18.8
3.73
3.4
123
-15
29
46
false
NoAction
Within bands; monitor
24
-6
BrokerA
VWAP
87
null
null
Normal monitoring
56
10
18
5
false
Increase defensive factor exposure
P7565
Hands-off
Taxable
USD
2024-11-08
370,713
23,065
347,648
1
56.2
26.9
11.7
5.1
AAPL:23.2%;TSLA:12.0%;BRK.B:23.2%;MUB:23.2%;VNQ:18.4%
US:59.7;EU:17.1;APAC:9.3;EM:10.4;Other:3.4
Value:+0.1;Growth:-0.2;Quality:-0.8;Size:+0.1;Momentum:+0.8;LowVol:-0.6
ESGOnly;MaxPos5%;NoDerivatives
5
35
3.6
trailing 10%
145
12.2
Bull
11.5
3.73
2.9
101
87
100
38
false
Hedge
Add TLT +1% as duration hedge
16
4
BrokerC
MKT
87
null
null
Normal monitoring
-9
12
79
5
false
Tighten stops on momentum names
P7566
Hands-off
Trust
USD
2024-11-24
826,106
48,838
777,268
1
56.2
24.8
11.3
7.7
VNQ:33.3%;HYG:33.3%;GLD:33.3%
US:65.5;EU:16.9;APAC:4.7;EM:10.8;Other:2.1
Value:+0.4;Growth:0.0;Quality:-0.3;Size:-0.6;Momentum:-1.0;LowVol:+0.5
null
6
25
4.9
trailing 8%
151
19.1
Bull
12.7
4.92
3.4
101
27
57
46
false
Hedge
Add TLT +1% as duration hedge
26
-25
BrokerD
MKT
92
null
null
Normal monitoring
-59
-8
-44
5
false
Monitor dispersion and breadth
P7567
Cautious
IRA
USD
2025-04-09
850,306
118,645
731,661
1
44.1
41.4
1
13.5
TSLA:33.3%;QQQ:33.3%;XLF:33.3%
US:74.3;EU:14.5;APAC:6.1;EM:3.7;Other:1.3
Value:-0.2;Growth:-0.8;Quality:-0.0;Size:+0.5;Momentum:-0.7;LowVol:-0.7
ESGOnly;NoDerivatives;NoMargin
8
25
3.3
trailing 10%
157
13.6
Bull
17.6
4.47
2.2
97
65
80
33
true
Rebalance
Rebalance back to target bands
-6
-35
BrokerD
LMT
97
Drift>tolerance
Hedge
Allocation drift beyond policy bands
6
-28
31
5
false
Monitor dispersion and breadth
P7568
Cautious
Trust
USD
2024-08-08
470,441
46,288
424,153
1
49.4
35.5
0
15.1
VTI:27.1%;AAPL:18.8%;MSFT:27.1%;MUB:27.1%
US:55.6;EU:15.7;APAC:15.9;EM:9.8;Other:3.0
Value:+0.3;Growth:-0.2;Quality:-0.7;Size:+0.7;Momentum:+0.8;LowVol:+0.9
ESGOnly;NoMargin
10
25
5.4
hard 10%
109
15.8
Sideways
20.6
4.65
2.1
102
59
72
48
true
Hedge
Buy index puts 1% notional
19
8
BrokerB
MKT
95
RegimeShift
Hedge
Volatility spike and breadth deterioration
40
-46
176
3
false
Monitor dispersion and breadth
P7569
Systematic
401k
USD
2024-07-08
1,319,536
101,792
1,217,744
1
55.7
22
15.2
7.1
VOO:25.2%;HYG:25.2%;XLF:11.0%;QQQ:13.4%;TSLA:25.2%
US:73.6;EU:10.8;APAC:6.5;EM:8.8;Other:0.5
Value:-0.5;Growth:+0.7;Quality:+0.7;Size:-0.5;Momentum:-0.6;LowVol:-0.1
null
7
35
4.2
hard 12%
129
21.9
Bull
13.4
4.07
3.2
97
74
73
33
false
Sell
Trim extended winner -1%
-10
-12
BrokerB
VWAP
99
null
null
Normal monitoring
20
4
15
5
false
Monitor dispersion and breadth
P7570
Active
401k
USD
2025-06-21
2,091,326
201,913
1,889,413
1.17
56.9
27.1
6.9
9.1
VTI:8.5%;VNQ:18.3%;TSLA:22.1%;AMZN:22.1%;BND:19.4%;IEF:9.5%
US:64.2;EU:16.3;APAC:12.1;EM:3.6;Other:3.8
Value:+0.4;Growth:+0.2;Quality:+0.5;Size:+0.1;Momentum:-0.4;LowVol:-0.0
MaxPos7%
7
25
5.2
trailing 9%
139
22.5
Bull
11.4
4.33
2.3
112
62
93
45
false
Buy
Add to core equity +1%
25
-21
BrokerD
LMT
85
null
null
Normal monitoring
113
-8
120
4
false
Tighten stops on momentum names
P7571
Active
401k
USD
2025-10-25
1,232,075
79,749
1,152,326
1
54.3
18.1
21.7
5.9
QQQ:13.0%;MUB:22.9%;GLD:22.9%;BND:18.9%;HYG:22.1%
US:60.7;EU:12.8;APAC:13.2;EM:9.2;Other:4.1
Value:-0.1;Growth:+0.3;Quality:+0.7;Size:+0.2;Momentum:+0.1;LowVol:-0.7
null
6
35
5.9
trailing 9%
133
18.7
Bear
33
3.1
2.7
160
-111
5
73
true
Hedge
Buy index puts 1% notional
17
-21
BrokerC
MKT
91
RegimeShift
Reduce
Volatility spike and breadth deterioration
119
-31
199
2
false
Within IPS guidelines
P7572
Active
Roth
USD
2025-09-17
835,608
75,417
760,191
1
60.2
27.1
6.7
6
VNQ:7.8%;XLF:19.0%;TLT:14.7%;HYG:20.1%;BND:20.1%;QQQ:18.2%
US:61.9;EU:13.2;APAC:11.7;EM:10.5;Other:2.7
Value:-0.5;Growth:-0.1;Quality:+0.2;Size:-0.4;Momentum:+0.9;LowVol:+0.4
null
6
25
4.1
trailing 8%
122
26.6
Sideways
17.8
3.86
3.5
92
11
58
46
false
Buy
Add to core equity +1%
-15
4
BrokerB
MKT
85
null
null
Normal monitoring
82
-21
152
3
false
Tax-aware sells next window
P7573
Systematic
Roth
USD
2025-01-26
1,234,650
64,682
1,169,968
1
61.7
20.7
9.8
7.7
GLD:25.2%;BND:24.4%;MSFT:25.2%;VNQ:25.2%
US:74.1;EU:11.7;APAC:5.8;EM:3.5;Other:4.9
Value:+0.9;Growth:+0.5;Quality:0.0;Size:+1.0;Momentum:+0.9;LowVol:+1.0
null
6
25
4.4
trailing 9%
152
24.9
Bull
14
4.47
2.5
108
89
80
39
true
Rebalance
Rebalance back to target bands
-8
-35
BrokerB
MKT
85
VAR>budget
Reduce
Risk above budget threshold
-44
10
31
5
false
Tax-aware sells next window
P7574
Active
IRA
USD
2025-09-01
962,001
107,604
854,397
1
55.3
28.2
8.9
7.6
XLF:33.3%;AMZN:33.3%;MSFT:33.3%
US:69.1;EU:7.3;APAC:12.9;EM:9.6;Other:1.1
Value:-0.1;Growth:+0.5;Quality:+0.6;Size:+0.5;Momentum:-0.4;LowVol:-0.1
MaxPos7%
6
35
5.1
trailing 9%
141
17.7
Bear
23.6
3.51
1.8
159
-83
10
53
false
Buy
Add to core equity +1%
2
-32
BrokerB
LMT
86
null
null
Normal monitoring
41
-6
1
4
false
Tax-aware sells next window
P7575
Opportunistic
401k
USD
2025-03-10
487,455
42,454
445,001
1
76.3
15.6
0
8.1
BND:26.5%;VNQ:25.4%;AMZN:21.6%;XLF:26.5%
US:59.6;EU:16.1;APAC:13.0;EM:10.7;Other:0.6
Value:+0.3;Growth:+0.8;Quality:-0.0;Size:-0.9;Momentum:0.0;LowVol:-0.1
null
7
35
6.4
hard 12%
186
20.7
Sideways
17.1
4.96
2.8
94
1
60
64
false
Sell
Trim extended winner -1%
0
-5
BrokerC
LMT
94
null
null
Normal monitoring
20
20
89
4
false
Tax-aware sells next window
P7576
Active
401k
USD
2025-03-14
577,420
53,985
523,435
1
51.5
21.6
17.9
9
TSLA:30.9%;HYG:22.3%;MUB:15.8%;MSFT:30.9%
US:56.6;EU:16.9;APAC:12.5;EM:10.2;Other:3.9
Value:+0.8;Growth:-0.8;Quality:-0.7;Size:+0.9;Momentum:-0.6;LowVol:-0.1
MaxPos7%;NoDerivatives
7
35
4.5
trailing 9%
183
16.1
Volatile
22.3
5.32
3.7
180
52
84
55
false
Rebalance
Shift +1% to bonds from equity
15
-9
BrokerA
MKT
92
null
null
Normal monitoring
-58
-43
-60
5
false
Tighten stops on momentum names
P7577
Systematic
Trust
USD
2025-07-01
1,535,880
76,290
1,459,590
1
61
20.7
10.7
7.5
AAPL:25.0%;VTI:25.0%;XLF:25.0%;MSFT:25.0%
US:70.1;EU:5.3;APAC:9.5;EM:11.4;Other:3.7
Value:-0.8;Growth:-0.4;Quality:-0.2;Size:+0.1;Momentum:-0.7;LowVol:-0.6
null
7
30
4.4
hard 12%
215
22.8
Bull
16.2
3.84
3.2
87
108
100
39
false
Sell
Trim extended winner -1%
22
6
BrokerB
LMT
98
null
null
Normal monitoring
9
-24
39
4
false
Monitor dispersion and breadth
P7578
Hands-off
Trust
USD
2025-04-01
167,626
10,696
156,930
1
65.3
21.4
7.2
6.2
TSLA:33.3%;BND:33.3%;IEF:33.3%
US:64.3;EU:14.1;APAC:11.6;EM:9.9;Other:0.2
Value:+0.2;Growth:+0.9;Quality:-0.0;Size:+0.3;Momentum:+1.0;LowVol:-0.8
null
6
35
3.3
trailing 10%
157
19.1
Bear
26.2
3.65
2.9
173
-110
5
62
false
Buy
Add to core equity +1%
13
4
BrokerB
LMT
87
null
null
Normal monitoring
-49
-15
-7
4
false
Within IPS guidelines
P7579
Cautious
401k
USD
2025-09-04
694,724
79,302
615,422
1
40.3
41.3
3.7
14.8
XLF:25.0%;VNQ:25.0%;TSLA:25.0%;MSFT:25.0%
US:65.4;EU:11.3;APAC:14.8;EM:4.2;Other:4.2
Value:-0.5;Growth:-0.8;Quality:-0.1;Size:-0.6;Momentum:+0.9;LowVol:+0.8
ESGOnly;MaxPos5%;NoMargin
6
30
3.6
trailing 8%
111
17.9
Bull
11.7
4.89
2.8
82
27
68
19
false
NoAction
Within bands; monitor
-12
-20
BrokerA
LMT
98
null
null
Normal monitoring
10
-35
74
4
false
Increase defensive factor exposure
P7580
Systematic
401k
USD
2025-04-22
1,383,131
125,716
1,257,415
1
67.4
21.9
2.4
8.4
GLD:33.3%;VTI:33.3%;QQQ:33.3%
US:74.9;EU:9.2;APAC:9.4;EM:3.1;Other:3.4
Value:-0.5;Growth:-0.5;Quality:+0.9;Size:-0.0;Momentum:+0.6;LowVol:+0.9
NoDerivatives
10
30
4.5
trailing 9%
137
18.1
Bull
13
4.31
2
88
28
74
41
true
Rebalance
Rebalance back to target bands
-8
-27
BrokerB
LMT
98
RegimeShift
Reduce
Volatility spike and breadth deterioration
-38
-18
34
5
false
Tax-aware sells next window
P7581
Active
IRA
USD
2025-12-25
2,484,524
219,982
2,264,542
1.23
67.3
23.8
0.5
8.4
BRK.B:33.3%;VNQ:33.3%;GLD:33.3%
US:61.8;EU:18.2;APAC:10.3;EM:4.2;Other:5.5
Value:-0.6;Growth:-0.2;Quality:+0.6;Size:+0.6;Momentum:-0.0;LowVol:-0.2
MaxPos7%
7
30
4.8
trailing 9%
172
22.7
Sideways
15.8
4.95
2.2
129
10
61
52
false
Sell
Trim extended winner -1%
35
-10
BrokerD
MKT
90
null
null
Normal monitoring
2
13
14
4
false
Within IPS guidelines
P7582
Systematic
IRA
USD
2025-01-20
1,963,714
104,560
1,859,154
1
56.4
22.5
15.7
5.3
BND:23.9%;XLF:23.9%;AAPL:16.1%;IEF:13.7%;TSLA:22.4%
US:70.4;EU:12.7;APAC:9.8;EM:4.8;Other:2.3
Value:-0.0;Growth:+0.1;Quality:-0.1;Size:-0.2;Momentum:-0.1;LowVol:+0.6
null
10
25
4.5
hard 12%
189
19.1
Bull
11.5
4.26
2
104
102
100
36
false
Buy
Add to core equity +1%
-13
-38
BrokerA
VWAP
92
null
null
Normal monitoring
37
-42
10
3
false
Monitor dispersion and breadth
P7583
Systematic
Roth
USD
2025-03-06
1,481,467
71,277
1,410,190
1
68.1
22
4.3
5.6
QQQ:22.4%;BND:22.4%;MUB:9.4%;VOO:22.4%;TSLA:9.5%;BRK.B:13.9%
US:62.5;EU:17.0;APAC:6.2;EM:10.7;Other:3.5
Value:-0.8;Growth:-0.6;Quality:+0.3;Size:-0.8;Momentum:-0.4;LowVol:+1.0
null
10
25
4.9
trailing 8%
143
16.6
Bear
23.7
3.04
1.7
161
32
62
78
true
Rebalance
Rebalance back to target bands
-6
-8
BrokerA
MKT
99
Drift>tolerance
Hedge
Allocation drift beyond policy bands
45
-4
14
4
false
Increase defensive factor exposure
P7584
Hands-off
Trust
USD
2025-09-02
746,347
63,146
683,201
1
63.3
28.7
0.5
7.5
HYG:20.3%;VTI:11.4%;BND:20.3%;BRK.B:16.8%;GLD:14.2%;XLF:17.1%
US:71.0;EU:11.7;APAC:6.9;EM:5.0;Other:5.4
Value:-0.1;Growth:-0.3;Quality:+0.1;Size:+1.0;Momentum:+0.6;LowVol:-0.9
ESGOnly;NoDerivatives
5
30
3.4
trailing 8%
135
15.1
Bear
23
4.15
2.6
176
-114
5
56
false
Rebalance
Shift +1% to bonds from equity
9
-35
BrokerA
MKT
87
null
null
Normal monitoring
66
-11
186
5
false
Tighten stops on momentum names
P7585
Cautious
401k
USD
2025-10-13
286,665
23,851
262,814
1
42
33.1
6.9
18
VOO:25.0%;QQQ:25.0%;TLT:25.0%;AAPL:25.0%
US:69.8;EU:12.6;APAC:7.5;EM:6.8;Other:3.3
Value:+0.9;Growth:-0.6;Quality:+0.2;Size:-0.6;Momentum:-0.0;LowVol:-0.4
ESGOnly;NoMargin
6
30
5.9
hard 10%
136
18.2
Bull
16.1
4.49
3
102
56
69
29
false
Sell
Trim extended winner -1%
23
-19
BrokerA
MKT
90
null
null
Normal monitoring
8
-19
108
3
false
Increase defensive factor exposure
P7586
Opportunistic
Trust
USD
2024-12-08
707,360
58,877
648,483
1
72.3
13.8
8.4
5.4
BND:22.7%;TSLA:22.7%;MUB:18.4%;BRK.B:13.6%;AMZN:22.7%
US:66.1;EU:11.9;APAC:7.6;EM:10.8;Other:3.6
Value:+0.5;Growth:-1.0;Quality:+0.6;Size:+0.2;Momentum:-0.6;LowVol:+0.6
MaxPos5%
5
25
6.2
hard 12%
263
33.5
Sideways
19.5
4.19
3.2
121
45
83
52
false
Rebalance
Shift +1% to bonds from equity
5
-31
BrokerD
LMT
98
null
null
Normal monitoring
39
-32
-1
4
false
Monitor dispersion and breadth
P7587
Hands-off
401k
USD
2024-10-05
359,920
30,135
329,785
1
64.8
25.6
0
9.7
QQQ:20.7%;HYG:18.8%;XLF:23.5%;TSLA:13.3%;AAPL:23.5%
US:68.1;EU:6.5;APAC:16.8;EM:6.1;Other:2.5
Value:+0.2;Growth:-0.8;Quality:-0.1;Size:+0.8;Momentum:0.0;LowVol:-0.4
NoDerivatives
5
25
3.2
trailing 10%
148
17.3
Volatile
31.1
3.52
4
137
46
59
83
true
Rebalance
Rebalance back to target bands
29
-21
BrokerB
LMT
99
Drift>tolerance
Reduce
Allocation drift beyond policy bands
28
-34
72
3
false
Increase defensive factor exposure
P7588
Cautious
IRA
USD
2024-08-04
220,482
32,877
187,605
1
48.4
37.4
0
14.2
GLD:24.2%;AAPL:14.8%;HYG:24.2%;TLT:12.6%;IEF:24.2%
US:65.7;EU:17.9;APAC:7.8;EM:6.0;Other:2.6
Value:+0.9;Growth:-0.4;Quality:+0.1;Size:-0.7;Momentum:+0.2;LowVol:-1.0
NoMargin
5
25
5
trailing 8%
97
16.1
Bull
17.8
4.67
3.3
95
100
100
50
false
Rebalance
Shift +1% to bonds from equity
5
-19
BrokerA
MKT
98
null
null
Normal monitoring
78
-44
143
3
false
Tax-aware sells next window
P7589
Opportunistic
IRA
USD
2025-05-17
1,251,743
66,969
1,184,774
1.18
64.5
11.6
15.4
8.5
VOO:7.4%;BRK.B:21.8%;IEF:21.8%;QQQ:12.1%;VTI:15.7%;AAPL:21.2%
US:71.2;EU:6.4;APAC:13.1;EM:5.2;Other:4.1
Value:+0.1;Growth:-0.3;Quality:+0.7;Size:+0.3;Momentum:-0.3;LowVol:+0.5
MaxPos5%
5
25
6.2
hard 12%
207
34
Volatile
27
4.25
4.4
160
-24
30
75
true
Hedge
Buy index puts 1% notional
-15
-35
BrokerD
MKT
91
VAR>budget
Hedge
Risk above budget threshold
105
8
236
4
false
Tax-aware sells next window
P7590
Systematic
Taxable
USD
2024-11-22
554,707
52,306
502,401
1
57
34.8
1.5
6.6
QQQ:22.5%;VTI:10.2%;BND:23.0%;VNQ:23.0%;MSFT:21.4%
US:62.8;EU:15.9;APAC:11.2;EM:9.1;Other:1.0
Value:0.0;Growth:+0.6;Quality:-0.9;Size:-0.9;Momentum:-0.3;LowVol:+0.3
null
6
30
5
hard 12%
130
21.2
Bull
15.9
4.3
2.5
75
101
98
55
false
Buy
Add to core equity +1%
15
-37
BrokerB
MKT
100
null
null
Normal monitoring
8
-48
-9
4
false
Tax-aware sells next window
P7591
Active
IRA
USD
2024-10-24
1,033,585
88,136
945,449
1
59
19.1
16.6
5.3
TSLA:25.0%;BND:25.0%;VNQ:25.0%;QQQ:25.0%
US:55.9;EU:18.1;APAC:8.4;EM:13.0;Other:4.6
Value:-0.7;Growth:+0.3;Quality:-0.1;Size:+0.9;Momentum:-0.6;LowVol:+0.8
NoDerivatives
5
30
5.6
hard 12%
190
23.7
Bull
16.7
4.87
3.1
106
43
56
58
false
Rebalance
Shift +1% to bonds from equity
-4
-31
BrokerB
MKT
87
null
null
Normal monitoring
112
-54
142
3
false
Tax-aware sells next window
P7592
Active
401k
USD
2025-06-28
1,628,170
160,086
1,468,084
1.11
63.1
19.3
10
7.6
MSFT:20.8%;TSLA:11.2%;XLF:18.7%;AMZN:12.8%;MUB:15.8%;VNQ:20.8%
US:59.3;EU:10.0;APAC:14.8;EM:12.9;Other:3.0
Value:-0.7;Growth:-0.2;Quality:+0.7;Size:-0.1;Momentum:-0.7;LowVol:-0.6
null
7
35
6
trailing 9%
152
25.2
Bull
13.5
3.68
2.5
93
58
65
46
false
Rebalance
Shift +1% to bonds from equity
-9
15
BrokerC
VWAP
97
null
null
Normal monitoring
-42
-39
-81
3
false
Monitor dispersion and breadth
P7593
Active
Taxable
USD
2025-06-25
1,743,506
208,629
1,534,877
1
55.6
24.7
10.6
9
MSFT:13.8%;VNQ:24.3%;AAPL:24.3%;VOO:13.4%;QQQ:24.3%
US:60.5;EU:13.4;APAC:13.7;EM:12.2;Other:0.2
Value:-0.7;Growth:-0.3;Quality:+0.8;Size:+0.3;Momentum:-0.4;LowVol:+0.4
null
8
30
4.8
trailing 8%
159
20.4
Sideways
16.7
4.65
2.1
126
49
84
39
false
Rebalance
Shift +1% to bonds from equity
-15
-31
BrokerD
LMT
100
null
null
Normal monitoring
70
-37
107
4
false
Within IPS guidelines
P7594
Hands-off
Trust
USD
2025-11-05
504,768
31,036
473,732
1
64.3
20.5
10
5.3
IEF:18.9%;QQQ:21.5%;VTI:17.5%;GLD:21.5%;VNQ:20.5%
US:63.6;EU:15.8;APAC:6.8;EM:9.3;Other:4.5
Value:-0.6;Growth:0.0;Quality:-1.0;Size:+0.4;Momentum:+0.5;LowVol:+0.6
MaxPos7%
5
35
5.6
hard 10%
147
17.9
Sideways
17.7
4.82
2.8
110
-20
25
50
false
Hedge
Add TLT +1% as duration hedge
19
9
BrokerC
MKT
98
null
null
Normal monitoring
101
19
161
5
false
Monitor dispersion and breadth
P7595
Cautious
Taxable
USD
2024-11-23
292,820
28,475
264,345
1
53.6
32.8
2.1
11.6
TLT:24.1%;BRK.B:8.5%;HYG:24.1%;MSFT:11.3%;GLD:7.8%;AAPL:24.1%
US:66.2;EU:11.8;APAC:11.0;EM:8.2;Other:2.8
Value:-0.9;Growth:+0.6;Quality:-0.1;Size:+0.5;Momentum:-0.9;LowVol:+0.5
ESGOnly;NoDerivatives;NoMargin
5
30
4.1
hard 10%
147
13.7
Volatile
22
4.93
2.7
130
-8
40
61
false
Sell
Trim extended winner -1%
2
7
BrokerB
MKT
96
null
null
Normal monitoring
-38
-2
18
4
false
Increase defensive factor exposure
P7596
Opportunistic
Taxable
USD
2024-08-22
531,376
33,812
497,564
1
64.4
16.7
13.5
5.4
HYG:20.5%;AAPL:13.6%;BND:10.8%;MSFT:16.6%;BRK.B:18.0%;AMZN:20.5%
US:60.2;EU:12.4;APAC:12.3;EM:11.8;Other:3.4
Value:+1.0;Growth:-0.2;Quality:+0.6;Size:+0.7;Momentum:-0.7;LowVol:-0.9
NoDerivatives
7
25
5.8
hard 12%
181
30.5
Volatile
31.6
4.72
3.5
133
62
71
83
true
Hedge
Buy index puts 1% notional
-1
14
BrokerB
MKT
93
Drift>tolerance
Pause
Allocation drift beyond policy bands
93
2
146
5
false
Tax-aware sells next window
P7597
Hands-off
401k
USD
2025-11-05
870,091
35,639
834,452
1
59.2
17.7
16
7.2
VOO:33.3%;QQQ:33.3%;XLF:33.3%
US:75.8;EU:10.7;APAC:8.8;EM:4.6;Other:0.1
Value:+0.8;Growth:+0.6;Quality:-0.0;Size:+0.2;Momentum:+0.2;LowVol:-0.9
MaxPos6%
8
35
5.2
trailing 8%
92
15.7
Volatile
20.9
4.19
3.5
142
-32
47
57
true
Reduce
Cut high-beta by 2-3%, add cash
8
-24
BrokerC
LMT
91
VAR>budget
Hedge
Risk above budget threshold
-52
-48
23
2
false
Increase defensive factor exposure
P7598
Active
Taxable
USD
2025-03-08
2,477,470
189,584
2,287,886
1
65.3
26.5
0
8.2
QQQ:20.5%;TSLA:15.6%;BND:19.6%;IEF:11.0%;AMZN:17.0%;BRK.B:16.3%
US:55.0;EU:18.0;APAC:13.2;EM:9.8;Other:4.0
Value:-0.6;Growth:-0.5;Quality:+0.7;Size:+0.8;Momentum:-0.1;LowVol:0.0
MaxPos8%;NoDerivatives
8
25
5.4
trailing 9%
210
18
Volatile
23.9
3.76
2.2
168
-23
52
69
false
Buy
Add to core equity +1%
-11
-38
BrokerD
LMT
92
null
null
Normal monitoring
13
-14
117
3
false
Tax-aware sells next window
P7599
Cautious
401k
USD
2025-01-10
296,667
34,580
262,087
1
51.2
32.9
4.3
11.6
GLD:25.8%;MUB:25.8%;AAPL:25.8%;VOO:22.5%
US:69.1;EU:12.6;APAC:5.1;EM:11.1;Other:2.1
Value:-0.4;Growth:+0.6;Quality:-1.0;Size:-0.5;Momentum:-0.7;LowVol:-0.6
NoMargin
8
35
5.2
hard 10%
110
13.1
Bear
31.3
3.47
2.1
139
-90
17
73
true
Hedge
Buy index puts 1% notional
-7
-14
BrokerD
LMT
99
Drift>tolerance
TightenStops
Allocation drift beyond policy bands
120
-17
140
5
false
Increase defensive factor exposure
P7600
Active
Taxable
USD
2025-11-02
708,735
66,687
642,048
1
50.7
24.6
17.1
7.7
GLD:18.9%;AMZN:18.5%;BND:23.7%;VTI:23.7%;QQQ:15.1%
US:71.0;EU:9.0;APAC:9.3;EM:8.8;Other:1.9
Value:-0.2;Growth:-0.1;Quality:-1.0;Size:-0.7;Momentum:-0.2;LowVol:-0.5
MaxPos6%
6
25
5.7
hard 12%
228
25.3
Bull
15.2
4.98
2.5
92
77
80
44
false
Sell
Trim extended winner -1%
2
-27
BrokerC
LMT
95
null
null
Normal monitoring
-37
12
55
4
false
Monitor dispersion and breadth