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
P7601
Active
Taxable
USD
2025-09-08
1,813,499
135,656
1,677,843
1
57.3
27.7
8
7
IEF:17.6%;QQQ:19.0%;MUB:17.3%;VOO:17.6%;BND:19.3%;AAPL:9.3%
US:71.3;EU:8.4;APAC:8.4;EM:11.7;Other:0.2
Value:-0.6;Growth:+0.1;Quality:+1.0;Size:-0.1;Momentum:+0.2;LowVol:-0.4
null
5
30
5.1
trailing 9%
150
20.8
Bull
11.8
3.98
2.8
113
65
69
34
false
Buy
Add to core equity +1%
-13
9
BrokerA
LMT
93
null
null
Normal monitoring
42
-28
108
5
false
Tax-aware sells next window
P7602
Opportunistic
Roth
USD
2025-09-10
1,282,122
82,797
1,199,325
1
76.8
17.2
1.7
4.3
AAPL:15.3%;GLD:28.2%;HYG:28.2%;MUB:28.2%
US:64.6;EU:8.7;APAC:18.5;EM:4.3;Other:3.9
Value:+1.0;Growth:-0.2;Quality:-0.6;Size:+0.2;Momentum:0.0;LowVol:-0.9
MaxPos5%
10
25
4.8
hard 12%
170
24.9
Sideways
17.6
3.85
2
93
50
80
68
false
Rebalance
Shift +1% to bonds from equity
-6
1
BrokerC
LMT
97
null
null
Normal monitoring
-30
-48
95
5
false
Within IPS guidelines
P7603
Systematic
IRA
USD
2025-08-03
1,878,729
181,593
1,697,136
1
62.3
29.2
3.4
5.2
AAPL:33.3%;XLF:33.3%;TLT:33.3%
US:74.9;EU:10.7;APAC:6.7;EM:5.6;Other:2.1
Value:-0.5;Growth:-0.1;Quality:+0.8;Size:+0.9;Momentum:-0.1;LowVol:-0.7
NoDerivatives
7
35
4.5
trailing 9%
228
25.4
Sideways
17.7
3.52
2.8
106
50
88
52
false
Buy
Add to core equity +1%
16
-11
BrokerA
MKT
89
null
null
Normal monitoring
95
-7
74
3
false
Within IPS guidelines
P7604
Hands-off
Taxable
USD
2025-10-29
774,238
61,683
712,555
1
65.8
25.2
0
9
TLT:20.7%;BND:19.8%;BRK.B:17.4%;QQQ:20.7%;VOO:7.7%;IEF:13.6%
US:59.0;EU:17.8;APAC:12.6;EM:5.9;Other:4.7
Value:+0.5;Growth:-0.4;Quality:-0.2;Size:+0.3;Momentum:-0.8;LowVol:+0.7
MaxPos8%;NoDerivatives
5
25
5.5
trailing 8%
118
12.2
Volatile
26.5
4.71
4.1
127
-57
28
79
true
Reduce
Cut high-beta by 2-3%, add cash
-11
-39
BrokerA
MKT
90
Drift>tolerance
TightenStops
Allocation drift beyond policy bands
-5
2
6
4
false
Monitor dispersion and breadth
P7605
Opportunistic
Taxable
USD
2025-05-21
509,099
38,265
470,834
1
63.6
10.8
16.8
8.8
XLF:27.1%;AMZN:27.1%;BND:27.1%;HYG:18.8%
US:57.6;EU:17.3;APAC:8.9;EM:12.3;Other:3.8
Value:+0.1;Growth:-1.0;Quality:+0.8;Size:-0.4;Momentum:-0.8;LowVol:-0.0
null
8
30
4.6
trailing 7%
239
34.2
Bear
34.7
3.27
1.8
141
20
63
79
true
Hedge
Buy index puts 1% notional
24
-38
BrokerA
LMT
86
Drift>tolerance
Reduce
Allocation drift beyond policy bands
-24
-20
-15
3
false
Tax-aware sells next window
P7606
Active
Roth
USD
2025-03-19
1,584,976
156,832
1,428,144
1.18
66.4
24.9
3.1
5.6
BND:27.0%;TLT:19.0%;IEF:27.0%;TSLA:27.0%
US:68.9;EU:5.9;APAC:13.9;EM:7.2;Other:4.2
Value:-0.4;Growth:-0.1;Quality:+0.2;Size:-0.5;Momentum:0.0;LowVol:-0.8
NoDerivatives
6
25
4.7
hard 12%
124
24.1
Bull
11.3
4.42
2.3
87
24
52
34
false
NoAction
Within bands; monitor
-10
-18
BrokerA
MKT
0
null
null
Normal monitoring
-10
-51
-18
4
false
Within IPS guidelines
P7607
Systematic
Taxable
USD
2025-01-22
930,322
72,512
857,810
1
65.1
21.6
8.1
5.2
VTI:14.7%;AAPL:20.8%;BRK.B:9.6%;BND:20.8%;VNQ:20.8%;IEF:13.4%
US:66.3;EU:10.8;APAC:14.1;EM:8.1;Other:0.7
Value:+0.6;Growth:0.0;Quality:-0.3;Size:+0.2;Momentum:+0.1;LowVol:-0.2
null
8
35
5.4
trailing 8%
166
17.9
Volatile
20.4
5.21
3.8
139
80
98
68
false
Buy
Add to core equity +1%
1
-19
BrokerA
LMT
95
null
null
Normal monitoring
-38
-38
88
4
false
Within IPS guidelines
P7608
Active
Roth
USD
2025-10-10
876,381
75,174
801,207
1
57.6
23
14.4
5.1
IEF:33.3%;TLT:33.3%;BRK.B:33.3%
US:75.3;EU:9.2;APAC:5.7;EM:9.0;Other:0.8
Value:-0.0;Growth:+0.1;Quality:+0.6;Size:+0.6;Momentum:+0.9;LowVol:+0.5
NoDerivatives
5
25
5.1
trailing 8%
180
24.6
Bear
33.2
3.85
1.8
132
-92
5
79
true
Hedge
Buy index puts 1% notional
5
-22
BrokerC
LMT
96
RegimeShift
Hedge
Volatility spike and breadth deterioration
-55
0
-14
2
false
Increase defensive factor exposure
P7609
Systematic
Roth
USD
2025-11-24
1,066,697
55,794
1,010,903
1
67.3
26.9
0.4
5.4
AAPL:23.6%;BND:23.6%;GLD:13.4%;MSFT:23.6%;MUB:15.8%
US:67.3;EU:14.6;APAC:8.6;EM:8.1;Other:1.4
Value:-0.5;Growth:+0.6;Quality:-0.2;Size:+0.7;Momentum:+0.6;LowVol:-0.3
NoDerivatives
10
35
5.9
hard 12%
131
19.8
Bull
14.5
3.55
2.2
84
110
100
44
false
Rebalance
Shift +1% to bonds from equity
-12
9
BrokerB
LMT
85
null
null
Normal monitoring
-54
-32
-60
5
false
Monitor dispersion and breadth
P7610
Active
Taxable
USD
2025-06-22
1,667,973
165,123
1,502,850
1.14
59.4
19.9
13.6
7
HYG:18.3%;TSLA:23.7%;MSFT:23.7%;VTI:10.5%;GLD:23.7%
US:65.3;EU:12.0;APAC:14.6;EM:7.6;Other:0.5
Value:+1.0;Growth:-0.0;Quality:+0.2;Size:+0.6;Momentum:0.0;LowVol:-0.5
NoDerivatives
6
25
4.2
hard 12%
175
27
Bull
15.9
4.77
3.3
114
76
86
44
false
Buy
Add to core equity +1%
-15
-5
BrokerD
LMT
85
null
null
Normal monitoring
103
-53
214
5
false
Increase defensive factor exposure
P7611
Hands-off
Trust
USD
2025-11-16
380,992
30,270
350,722
1
68.9
20.8
2.8
7.5
BND:24.0%;AMZN:24.0%;VTI:19.0%;VOO:18.0%;IEF:14.9%
US:66.7;EU:7.1;APAC:14.9;EM:6.8;Other:4.5
Value:+0.8;Growth:-0.1;Quality:+0.2;Size:+1.0;Momentum:+0.6;LowVol:+0.6
ESGOnly
6
25
4.5
trailing 8%
95
13.9
Bull
12
4.26
3
107
62
91
55
false
Hedge
Add TLT +1% as duration hedge
3
-36
BrokerC
MKT
98
null
null
Normal monitoring
27
14
132
4
false
Monitor dispersion and breadth
P7612
Systematic
IRA
USD
2025-06-20
756,193
67,397
688,796
1
64.8
21.9
7.4
5.9
MSFT:35.4%;XLF:35.4%;IEF:29.2%
US:63.9;EU:10.6;APAC:14.8;EM:9.7;Other:1.0
Value:-0.4;Growth:+0.2;Quality:-0.4;Size:+0.8;Momentum:-0.9;LowVol:+0.3
NoDerivatives
10
35
5.7
trailing 8%
133
17.4
Bear
27.6
4.28
2.6
193
11
54
84
true
Hedge
Buy index puts 1% notional
-12
-3
BrokerB
MKT
88
VAR>budget
Hedge
Risk above budget threshold
55
-10
53
3
false
Within IPS guidelines
P7613
Opportunistic
Trust
USD
2025-06-01
814,639
58,674
755,965
1.11
62.9
18.4
13.6
5.1
QQQ:16.6%;AAPL:20.8%;BND:16.4%;VNQ:8.3%;TSLA:20.8%;XLF:17.0%
US:64.6;EU:13.3;APAC:10.3;EM:9.3;Other:2.5
Value:-0.6;Growth:-0.4;Quality:+0.2;Size:-0.4;Momentum:-0.7;LowVol:-0.9
NoDerivatives
6
30
5.1
trailing 9%
185
21.1
Bull
11.1
3.57
2
79
98
100
47
false
Rebalance
Shift +1% to bonds from equity
6
11
BrokerC
VWAP
89
null
null
Normal monitoring
103
13
68
4
false
Within IPS guidelines
P7614
Cautious
IRA
USD
2025-07-29
747,981
94,469
653,512
1
37.9
37.4
8.9
15.8
HYG:33.3%;TLT:33.3%;MUB:33.3%
US:69.1;EU:10.1;APAC:11.0;EM:6.9;Other:2.9
Value:+0.9;Growth:+0.2;Quality:+0.4;Size:+1.0;Momentum:+0.9;LowVol:-0.7
MaxPos7%;NoDerivatives;NoMargin
8
30
5.5
trailing 10%
131
15.7
Volatile
30.7
4.77
3.5
162
6
42
63
false
Rebalance
Shift +1% to bonds from equity
-1
-37
BrokerC
LMT
91
null
null
Normal monitoring
-48
2
-16
3
false
Monitor dispersion and breadth
P7615
Opportunistic
Trust
USD
2025-11-03
1,462,354
98,600
1,363,754
1
62.3
19
13.1
5.5
AMZN:24.0%;GLD:28.8%;BND:18.3%;IEF:28.8%
US:67.6;EU:12.4;APAC:5.6;EM:10.4;Other:4.1
Value:+0.8;Growth:-0.4;Quality:+0.2;Size:-0.2;Momentum:+0.8;LowVol:-0.9
NoDerivatives
8
35
5.3
trailing 7%
249
24.5
Bull
17.8
4.41
2.6
115
29
65
44
false
NoAction
Within bands; monitor
-9
-27
BrokerA
MKT
0
null
null
Normal monitoring
-34
-36
90
4
false
Monitor dispersion and breadth
P7616
Opportunistic
Taxable
USD
2024-07-12
1,035,382
88,159
947,223
1.23
68.5
21.8
1.2
8.5
GLD:33.3%;AAPL:33.3%;HYG:33.3%
US:61.0;EU:17.6;APAC:7.2;EM:12.3;Other:1.8
Value:-0.1;Growth:+0.3;Quality:+0.7;Size:-0.4;Momentum:-0.5;LowVol:-0.7
MaxPos8%
10
30
5.5
hard 12%
255
34
Bear
27.4
3.29
1.4
151
-7
51
70
true
Reduce
Cut high-beta by 2-3%, add cash
-9
-10
BrokerA
VWAP
99
Drift>tolerance
Reduce
Allocation drift beyond policy bands
42
6
98
2
false
Tighten stops on momentum names
P7617
Active
Roth
USD
2024-09-16
2,456,910
194,297
2,262,613
1
57.3
21.9
13.6
7.3
BRK.B:20.8%;TLT:9.7%;XLF:20.8%;AAPL:19.8%;QQQ:13.8%;BND:15.2%
US:57.2;EU:15.2;APAC:12.9;EM:9.8;Other:4.9
Value:-0.5;Growth:-0.8;Quality:+0.6;Size:+0.2;Momentum:-0.8;LowVol:+0.8
null
6
30
5.9
hard 12%
158
27.7
Volatile
31.1
3.87
4.2
173
-4
57
85
true
Rebalance
Rebalance back to target bands
2
-20
BrokerB
MKT
100
Drift>tolerance
Hedge
Allocation drift beyond policy bands
25
-13
101
3
false
Tax-aware sells next window
P7618
Active
Roth
USD
2024-10-15
599,810
55,803
544,007
1
50.2
24.6
18.9
6.2
AMZN:19.5%;GLD:18.4%;VOO:12.5%;IEF:24.8%;BRK.B:24.8%
US:62.7;EU:11.8;APAC:9.8;EM:11.5;Other:4.2
Value:+0.1;Growth:+0.7;Quality:-0.0;Size:-0.8;Momentum:-0.6;LowVol:-0.8
MaxPos8%
6
25
5.5
trailing 9%
142
25.4
Bull
15.2
3.73
2.4
98
30
50
37
false
Buy
Add to core equity +1%
9
-14
BrokerC
LMT
88
null
null
Normal monitoring
65
-1
30
3
false
Tax-aware sells next window
P7619
Systematic
IRA
USD
2024-11-15
534,161
48,930
485,231
1
64
27.6
0
8.4
VNQ:29.0%;BND:12.9%;BRK.B:29.0%;QQQ:29.0%
US:64.7;EU:11.5;APAC:14.3;EM:4.4;Other:5.1
Value:+0.2;Growth:+0.4;Quality:0.0;Size:-0.3;Momentum:0.0;LowVol:+0.3
MaxPos7%;NoDerivatives
10
25
4.9
trailing 9%
135
19.5
Bull
13.2
3.85
2.6
97
72
73
44
false
Rebalance
Shift +1% to bonds from equity
6
-20
BrokerC
MKT
86
null
null
Normal monitoring
19
18
-1
4
false
Within IPS guidelines
P7620
Active
Roth
USD
2025-08-06
2,371,549
246,588
2,124,961
1
58.1
25.3
10.6
6
VTI:26.9%;XLF:26.9%;TLT:26.9%;GLD:19.3%
US:66.9;EU:8.8;APAC:14.5;EM:5.7;Other:4.1
Value:+0.1;Growth:+0.7;Quality:+0.3;Size:-0.9;Momentum:+0.2;LowVol:-0.9
MaxPos7%
6
30
4.3
trailing 9%
160
16.5
Bull
17.8
4.2
2.1
80
14
71
45
false
Buy
Add to core equity +1%
19
-11
BrokerD
MKT
90
null
null
Normal monitoring
119
18
124
3
false
Tighten stops on momentum names
P7621
Opportunistic
Taxable
USD
2025-02-10
1,457,131
100,942
1,356,189
1
64.6
21.7
7.8
5.9
TSLA:21.7%;AMZN:21.7%;BND:13.2%;MSFT:21.7%;VOO:8.9%;MUB:12.9%
US:57.5;EU:18.6;APAC:10.8;EM:10.1;Other:3.1
Value:-0.6;Growth:-0.1;Quality:-0.2;Size:+0.1;Momentum:-0.0;LowVol:+0.8
MaxPos7%
5
25
5
trailing 9%
178
25.6
Sideways
17.2
4.15
3.1
139
36
67
60
false
Rebalance
Shift +1% to bonds from equity
19
7
BrokerB
LMT
92
null
null
Normal monitoring
103
14
188
3
false
Increase defensive factor exposure
P7622
Cautious
Trust
USD
2025-07-18
744,440
83,506
660,934
1
43
43.4
1.5
12
MSFT:25.5%;AAPL:25.5%;HYG:23.4%;AMZN:25.5%
US:56.1;EU:17.2;APAC:12.7;EM:10.8;Other:3.2
Value:-0.8;Growth:-0.1;Quality:+0.8;Size:+0.1;Momentum:-0.5;LowVol:+1.0
NoDerivatives;NoMargin
10
25
4.9
trailing 8%
117
14.1
Sideways
16.6
3.95
2.7
128
6
67
35
false
Sell
Trim extended winner -1%
-10
-21
BrokerD
MKT
86
null
null
Normal monitoring
4
9
64
5
false
Tax-aware sells next window
P7623
Opportunistic
Trust
USD
2024-10-10
1,755,827
149,582
1,606,245
1
63.8
20.5
8.9
6.8
BND:19.0%;HYG:22.5%;MSFT:22.5%;TSLA:13.8%;AAPL:22.1%
US:66.5;EU:8.6;APAC:11.4;EM:10.8;Other:2.7
Value:+0.4;Growth:+0.2;Quality:+0.4;Size:-0.8;Momentum:-0.6;LowVol:-0.6
null
10
30
4.4
trailing 7%
211
34.7
Sideways
18
4.57
2
138
10
70
53
false
Rebalance
Shift +1% to bonds from equity
-11
0
BrokerC
MKT
95
null
null
Normal monitoring
-54
2
84
4
false
Tighten stops on momentum names
P7624
Cautious
IRA
USD
2025-06-08
506,421
51,913
454,508
1
45
40.2
0
14.8
MSFT:12.1%;TSLA:17.9%;GLD:20.6%;TLT:20.6%;HYG:20.6%;BND:8.2%
US:56.8;EU:20.9;APAC:11.9;EM:10.2;Other:0.2
Value:-0.6;Growth:+0.5;Quality:-0.4;Size:+0.8;Momentum:+0.3;LowVol:+0.6
MaxPos5%;NoMargin
7
25
3.1
hard 10%
114
14.9
Bear
27.3
4.08
1.2
156
26
72
56
false
Rebalance
Shift +1% to bonds from equity
17
11
BrokerA
VWAP
98
null
null
Normal monitoring
12
5
84
4
false
Within IPS guidelines
P7625
Hands-off
IRA
USD
2024-11-11
384,045
35,383
348,662
1
57
28.4
6.9
7.8
MSFT:27.5%;TSLA:17.4%;VOO:27.5%;IEF:27.5%
US:66.8;EU:16.6;APAC:10.7;EM:3.7;Other:2.1
Value:+0.2;Growth:+0.8;Quality:+0.9;Size:-0.6;Momentum:-0.7;LowVol:+0.9
ESGOnly
7
30
3.2
hard 10%
131
19.1
Bull
11.9
4.82
2.8
74
62
82
43
false
Rebalance
Shift +1% to bonds from equity
-5
-20
BrokerC
LMT
88
null
null
Normal monitoring
-5
-4
20
5
false
Within IPS guidelines
P7626
Cautious
IRA
USD
2024-08-31
743,732
100,569
643,163
1
46.5
39.4
0
14.1
IEF:19.9%;QQQ:22.5%;VNQ:22.5%;AAPL:20.1%;HYG:15.1%
US:61.5;EU:15.8;APAC:10.9;EM:8.2;Other:3.5
Value:-0.5;Growth:-0.3;Quality:+0.7;Size:+0.1;Momentum:+0.8;LowVol:+0.4
NoMargin
8
25
4.3
hard 10%
104
13.7
Bear
25.1
4.19
1.2
199
-33
48
60
false
Buy
Add to core equity +1%
13
-28
BrokerC
MKT
92
null
null
Normal monitoring
-22
-32
78
3
false
Tax-aware sells next window
P7627
Hands-off
Taxable
USD
2025-11-02
441,140
42,340
398,800
1
67.9
23.9
0
8.2
MSFT:26.1%;XLF:9.9%;TLT:26.1%;VOO:11.7%;VTI:26.1%
US:76.5;EU:9.5;APAC:6.9;EM:5.4;Other:1.7
Value:-0.7;Growth:-0.2;Quality:+0.7;Size:+0.3;Momentum:+0.3;LowVol:+0.9
null
6
30
4.8
trailing 8%
165
19.9
Volatile
27.1
3.56
2.8
152
70
98
74
true
Reduce
Cut high-beta by 2-3%, add cash
20
15
BrokerC
VWAP
87
RegimeShift
Pause
Volatility spike and breadth deterioration
-41
-48
-46
3
false
Increase defensive factor exposure
P7628
Cautious
IRA
USD
2024-07-05
358,449
29,722
328,727
1
39.7
37.7
9.5
13
BRK.B:21.8%;TSLA:15.6%;MSFT:21.8%;VNQ:16.4%;VOO:8.3%;HYG:16.0%
US:67.8;EU:16.2;APAC:5.8;EM:7.7;Other:2.5
Value:-0.5;Growth:+0.8;Quality:-0.5;Size:+0.5;Momentum:+0.6;LowVol:+0.9
ESGOnly;MaxPos6%;NoDerivatives;NoMargin
10
35
3.9
hard 10%
103
14
Sideways
19.5
3.82
2.1
93
-10
48
34
false
Hedge
Add TLT +1% as duration hedge
26
1
BrokerC
LMT
98
null
null
Normal monitoring
31
14
4
4
false
Within IPS guidelines
P7629
Opportunistic
Trust
USD
2025-08-19
1,052,040
56,360
995,680
1
69.1
18.5
4.6
7.8
AMZN:21.3%;VTI:17.5%;XLF:17.6%;MSFT:21.8%;AAPL:21.8%
US:63.7;EU:12.9;APAC:15.1;EM:3.8;Other:4.4
Value:+0.1;Growth:+0.1;Quality:+0.4;Size:-0.2;Momentum:-0.9;LowVol:-0.8
null
5
35
5.2
hard 12%
269
25.1
Bull
12.2
4.08
2.6
117
80
84
47
false
Rebalance
Shift +1% to bonds from equity
-13
-30
BrokerC
MKT
89
null
null
Normal monitoring
55
-44
139
5
false
Tax-aware sells next window
P7630
Opportunistic
Trust
USD
2024-11-06
475,826
38,983
436,843
1
64.5
18.2
10.9
6.5
IEF:21.8%;BRK.B:21.8%;AMZN:16.6%;TLT:18.1%;VNQ:21.8%
US:63.2;EU:13.3;APAC:10.9;EM:10.2;Other:2.4
Value:-0.1;Growth:+0.4;Quality:+0.9;Size:-1.0;Momentum:-0.2;LowVol:-0.3
null
5
30
5
hard 12%
255
30.8
Volatile
30.6
4.39
2.9
144
19
50
69
true
Hedge
Buy index puts 1% notional
32
2
BrokerD
LMT
85
RegimeShift
Hedge
Volatility spike and breadth deterioration
-10
20
89
5
false
Increase defensive factor exposure
P7631
Opportunistic
401k
USD
2024-08-02
1,575,557
94,896
1,480,661
1
63.3
12.9
18
5.8
TSLA:17.0%;GLD:21.9%;AAPL:21.1%;BND:14.2%;MUB:25.8%
US:75.3;EU:13.0;APAC:7.0;EM:2.9;Other:1.8
Value:+0.7;Growth:-0.7;Quality:+0.9;Size:+0.2;Momentum:+0.2;LowVol:+0.1
MaxPos8%;NoDerivatives
7
25
6.2
trailing 7%
272
24.4
Bull
16.3
3.54
2.3
101
93
82
59
false
Sell
Trim extended winner -1%
17
-8
BrokerA
LMT
89
null
null
Normal monitoring
95
-60
114
4
false
Increase defensive factor exposure
P7632
Hands-off
Roth
USD
2024-07-24
803,618
75,807
727,811
1
65.8
20.3
5.9
8
AMZN:33.3%;VTI:33.3%;VOO:33.3%
US:69.9;EU:11.2;APAC:6.9;EM:7.3;Other:4.6
Value:-0.3;Growth:-0.9;Quality:-0.7;Size:-0.3;Momentum:+0.3;LowVol:+0.3
null
6
25
3.7
hard 10%
134
18
Bull
14
4.18
3.3
101
19
63
48
false
Sell
Trim extended winner -1%
-9
3
BrokerB
VWAP
92
null
null
Normal monitoring
18
-45
67
5
false
Monitor dispersion and breadth
P7633
Systematic
401k
USD
2024-09-08
1,998,741
193,091
1,805,650
1
61.6
31
1.4
6
VNQ:33.3%;QQQ:33.3%;GLD:33.3%
US:59.3;EU:19.9;APAC:12.3;EM:7.5;Other:1.0
Value:-0.4;Growth:-0.7;Quality:+0.4;Size:-0.8;Momentum:-0.9;LowVol:+0.7
NoDerivatives
10
35
4.8
trailing 8%
158
22.5
Bear
22.7
3.59
1.8
181
-6
41
72
true
Hedge
Buy index puts 1% notional
28
12
BrokerB
VWAP
96
VAR>budget
Reduce
Risk above budget threshold
87
-41
206
5
false
Increase defensive factor exposure
P7634
Cautious
401k
USD
2024-12-07
257,005
37,679
219,326
1
45.3
39.1
0
15.6
HYG:16.2%;BND:21.0%;GLD:8.5%;VOO:12.7%;VTI:20.6%;TSLA:21.0%
US:69.7;EU:14.5;APAC:9.2;EM:4.2;Other:2.4
Value:-0.1;Growth:0.0;Quality:+0.6;Size:-0.3;Momentum:-0.6;LowVol:-0.2
ESGOnly;NoDerivatives;NoMargin
10
25
5.9
trailing 8%
125
15.4
Bull
11
4.15
2.7
71
115
100
35
false
Rebalance
Shift +1% to bonds from equity
-11
-9
BrokerD
VWAP
91
null
null
Normal monitoring
103
-7
232
5
false
Monitor dispersion and breadth
P7635
Systematic
Roth
USD
2025-11-12
1,338,040
114,093
1,223,947
1
55.4
24.9
13
6.7
AMZN:27.2%;VNQ:27.2%;BND:27.2%;MUB:18.5%
US:66.2;EU:10.3;APAC:6.8;EM:11.3;Other:5.3
Value:+0.4;Growth:+0.7;Quality:+0.5;Size:+0.8;Momentum:+0.4;LowVol:+1.0
NoDerivatives
6
35
5.3
trailing 9%
195
18.1
Sideways
14.2
3.75
2.7
104
1
37
40
false
Rebalance
Shift +1% to bonds from equity
33
-12
BrokerD
MKT
98
null
null
Normal monitoring
72
-2
108
3
false
Monitor dispersion and breadth
P7636
Opportunistic
IRA
USD
2025-07-25
1,654,228
87,311
1,566,917
1
61.5
11.4
23
4.1
BND:16.4%;BRK.B:21.4%;GLD:20.4%;AAPL:21.4%;XLF:20.4%
US:67.3;EU:11.5;APAC:7.3;EM:10.6;Other:3.3
Value:-0.5;Growth:-0.5;Quality:-0.5;Size:-0.7;Momentum:+0.2;LowVol:+0.5
MaxPos7%
7
35
6.9
trailing 9%
241
30.4
Bear
24.2
4.42
2.8
189
-61
24
72
true
Hedge
Buy index puts 1% notional
24
-31
BrokerC
LMT
96
Drift>tolerance
Hedge
Allocation drift beyond policy bands
102
-37
88
3
true
Increase defensive factor exposure
P7637
Systematic
IRA
USD
2024-10-03
776,879
41,815
735,064
1
65.5
27.8
0
6.6
AMZN:24.6%;GLD:25.1%;AAPL:25.1%;VOO:25.1%
US:59.2;EU:19.6;APAC:11.4;EM:4.7;Other:5.0
Value:-0.1;Growth:+1.0;Quality:-1.0;Size:+0.2;Momentum:-0.6;LowVol:+0.9
NoDerivatives
5
25
5.3
trailing 9%
186
18.3
Volatile
20.9
5.39
2.2
150
16
63
63
false
Rebalance
Shift +1% to bonds from equity
-8
-8
BrokerC
LMT
91
null
null
Normal monitoring
12
8
114
3
false
Monitor dispersion and breadth
P7638
Hands-off
IRA
USD
2025-09-28
295,912
25,261
270,651
1
65.3
26.3
2.4
6
TSLA:36.7%;AMZN:26.7%;HYG:36.7%
US:66.5;EU:15.5;APAC:10.8;EM:3.6;Other:3.6
Value:-0.0;Growth:-0.5;Quality:0.0;Size:-0.2;Momentum:-0.6;LowVol:+0.6
ESGOnly;MaxPos7%;NoDerivatives
6
35
3.2
trailing 8%
158
13.9
Bull
15.7
3.91
2.4
112
99
100
41
true
Reduce
Cut high-beta by 2-3%, add cash
-6
-19
BrokerC
MKT
85
Drift>tolerance
Hedge
Allocation drift beyond policy bands
-14
-44
34
5
false
Within IPS guidelines
P7639
Active
IRA
USD
2025-11-25
1,434,536
105,284
1,329,252
1
67.3
21.7
4.6
6.4
AMZN:33.3%;IEF:33.3%;VNQ:33.3%
US:65.8;EU:14.7;APAC:12.3;EM:6.1;Other:1.2
Value:+0.2;Growth:+0.2;Quality:+1.0;Size:-0.6;Momentum:+0.8;LowVol:-0.3
null
8
25
5.2
hard 12%
158
27.6
Bull
15.9
4.71
2.6
115
28
49
45
false
Hedge
Add TLT +1% as duration hedge
34
-9
BrokerA
VWAP
99
null
null
Normal monitoring
-27
-27
2
3
false
Increase defensive factor exposure
P7640
Systematic
Taxable
USD
2024-10-24
1,767,625
98,298
1,669,327
1
57.1
26.8
10.9
5.1
BND:10.8%;TSLA:20.8%;MUB:22.8%;VTI:22.8%;BRK.B:22.8%
US:72.7;EU:15.4;APAC:6.6;EM:4.4;Other:0.9
Value:+0.9;Growth:-0.9;Quality:-0.8;Size:-0.1;Momentum:+0.2;LowVol:+0.7
null
6
35
4.5
trailing 8%
193
18.9
Volatile
24.9
5.39
3.3
121
4
37
72
true
Hedge
Buy index puts 1% notional
28
-4
BrokerC
MKT
85
Drift>tolerance
TightenStops
Allocation drift beyond policy bands
-24
-15
112
5
false
Within IPS guidelines
P7641
Cautious
401k
USD
2025-12-17
721,428
107,699
613,729
1
37.2
41.3
5.8
15.7
VOO:22.5%;BRK.B:20.1%;VTI:22.5%;HYG:12.5%;MUB:22.5%
US:61.8;EU:19.1;APAC:10.3;EM:6.1;Other:2.7
Value:-0.3;Growth:+0.5;Quality:+0.9;Size:+0.6;Momentum:-0.4;LowVol:+0.1
ESGOnly;NoDerivatives;NoMargin
7
30
5.2
trailing 10%
142
17.3
Bear
22.5
3.48
2.7
177
-107
5
47
false
Sell
Trim extended winner -1%
-7
6
BrokerD
LMT
86
null
null
Normal monitoring
-28
-7
-6
5
false
Monitor dispersion and breadth
P7642
Opportunistic
Trust
USD
2025-06-13
582,024
37,670
544,354
1
68.7
14.3
10.8
6.2
TSLA:33.3%;TLT:33.3%;HYG:33.3%
US:72.5;EU:7.3;APAC:11.3;EM:7.2;Other:1.7
Value:+1.0;Growth:+0.1;Quality:+0.1;Size:+0.2;Momentum:-0.2;LowVol:-0.0
MaxPos6%;NoDerivatives
6
30
4.1
trailing 7%
279
30.1
Bull
12.4
4.17
3.2
115
76
100
56
false
Hedge
Add TLT +1% as duration hedge
3
13
BrokerA
LMT
91
null
null
Normal monitoring
24
10
55
3
false
Monitor dispersion and breadth
P7643
Cautious
401k
USD
2025-04-12
649,264
70,176
579,088
1
47.9
33.6
2.2
16.2
HYG:15.2%;IEF:17.7%;MUB:23.1%;VNQ:23.1%;QQQ:20.9%
US:60.5;EU:21.1;APAC:10.4;EM:5.6;Other:2.4
Value:+0.5;Growth:0.0;Quality:+0.9;Size:-1.0;Momentum:+0.8;LowVol:+0.3
NoMargin
5
25
5.3
trailing 8%
100
14.8
Bear
32.7
3.03
2.3
210
-41
25
66
false
Rebalance
Shift +1% to bonds from equity
3
-17
BrokerC
LMT
90
null
null
Normal monitoring
0
-18
110
3
false
Tax-aware sells next window
P7644
Hands-off
401k
USD
2025-05-26
289,232
25,593
263,639
1
59
22.5
13.2
5.3
HYG:20.0%;TLT:26.7%;VOO:26.7%;TSLA:26.7%
US:66.6;EU:15.1;APAC:7.0;EM:10.4;Other:0.9
Value:-0.6;Growth:+0.8;Quality:-0.1;Size:+0.1;Momentum:+0.3;LowVol:+0.8
null
10
25
5.4
trailing 8%
103
16.5
Volatile
25.5
3.59
2.6
113
13
49
62
false
NoAction
Within bands; monitor
34
-32
BrokerC
VWAP
100
null
null
Normal monitoring
86
-28
179
3
false
Tighten stops on momentum names
P7645
Cautious
401k
USD
2025-06-08
810,994
86,335
724,659
1
41.8
38.8
6.8
12.7
HYG:18.6%;AAPL:22.4%;MUB:22.4%;BND:9.6%;TLT:15.4%;TSLA:11.5%
US:69.0;EU:16.1;APAC:10.5;EM:3.1;Other:1.3
Value:+0.6;Growth:+0.5;Quality:+0.9;Size:-0.7;Momentum:+0.7;LowVol:-0.3
MaxPos5%;NoMargin
6
35
4.4
trailing 8%
100
16.5
Volatile
28
4.16
4
126
52
76
58
false
Rebalance
Shift +1% to bonds from equity
-13
-24
BrokerA
VWAP
94
null
null
Normal monitoring
-1
0
-2
5
false
Monitor dispersion and breadth
P7646
Hands-off
IRA
USD
2025-05-31
689,235
32,016
657,219
1
68.3
15.7
10.9
5.1
IEF:16.8%;TSLA:22.6%;TLT:9.1%;MUB:14.3%;GLD:14.6%;VOO:22.6%
US:60.5;EU:16.6;APAC:13.6;EM:4.9;Other:4.3
Value:-0.0;Growth:-0.0;Quality:-0.4;Size:+0.9;Momentum:-0.3;LowVol:+0.8
ESGOnly
10
25
3.6
trailing 8%
110
13.3
Volatile
25.1
4.41
4.2
112
-45
13
71
true
Hedge
Buy index puts 1% notional
13
-12
BrokerD
LMT
90
VAR>budget
Hedge
Risk above budget threshold
-50
-44
16
3
false
Tighten stops on momentum names
P7647
Cautious
Roth
USD
2025-04-16
760,667
68,573
692,094
1
47.7
38.8
2.9
10.7
BND:33.3%;BRK.B:33.3%;GLD:33.3%
US:65.1;EU:17.2;APAC:8.2;EM:9.4;Other:0.1
Value:+0.1;Growth:-0.2;Quality:-0.0;Size:-0.4;Momentum:+0.2;LowVol:+0.2
NoMargin
10
25
4.6
hard 10%
125
19.9
Bull
14.1
4.57
2.3
88
81
93
31
false
Buy
Add to core equity +1%
3
-1
BrokerB
MKT
93
null
null
Normal monitoring
-39
3
8
3
false
Increase defensive factor exposure
P7648
Hands-off
Taxable
USD
2024-08-15
567,226
26,651
540,575
1
61.6
23.4
8.9
6.1
BRK.B:33.3%;HYG:33.3%;TLT:33.3%
US:62.7;EU:13.2;APAC:11.5;EM:8.6;Other:3.9
Value:+0.5;Growth:-0.7;Quality:-0.7;Size:-1.0;Momentum:-0.4;LowVol:+0.7
null
8
35
3.4
trailing 8%
165
17.4
Volatile
24.8
3.81
3.5
118
79
100
66
false
Hedge
Add TLT +1% as duration hedge
-11
14
BrokerB
VWAP
100
null
null
Normal monitoring
34
-31
65
5
false
Tighten stops on momentum names
P7649
Hands-off
Roth
USD
2025-05-18
288,039
17,061
270,978
1
70
20.2
0
9.8
HYG:15.3%;AAPL:12.5%;MSFT:20.5%;AMZN:10.8%;BND:20.5%;VOO:20.5%
US:58.2;EU:16.7;APAC:14.1;EM:9.9;Other:1.1
Value:+0.9;Growth:-0.6;Quality:-0.4;Size:+0.7;Momentum:+0.4;LowVol:+0.9
null
7
25
5.8
trailing 8%
94
14.9
Volatile
29.1
4.11
2.6
140
-11
47
73
true
Reduce
Cut high-beta by 2-3%, add cash
28
-1
BrokerC
LMT
96
RegimeShift
Hedge
Volatility spike and breadth deterioration
114
-33
145
2
false
Within IPS guidelines
P7650
Hands-off
Trust
USD
2024-12-21
556,954
39,005
517,949
1
67
27.2
0
5.7
BRK.B:20.0%;MSFT:11.1%;VTI:16.3%;VOO:18.9%;AAPL:20.6%;VNQ:13.1%
US:63.6;EU:12.0;APAC:11.5;EM:8.3;Other:4.6
Value:+0.1;Growth:+0.4;Quality:-0.3;Size:+0.4;Momentum:+0.1;LowVol:-0.6
ESGOnly;MaxPos7%;NoDerivatives
5
30
3.1
trailing 8%
148
13
Bull
13.5
4.74
3.2
102
114
100
38
false
Rebalance
Shift +1% to bonds from equity
9
-7
BrokerD
MKT
95
null
null
Normal monitoring
100
-33
119
4
false
Within IPS guidelines
P7651
Active
Trust
USD
2024-10-25
763,695
65,423
698,272
1
53.7
22.2
14.4
9.8
AMZN:24.2%;MSFT:26.6%;VTI:22.6%;MUB:26.6%
US:72.5;EU:12.7;APAC:6.2;EM:6.3;Other:2.3
Value:-0.7;Growth:-0.5;Quality:+1.0;Size:-0.7;Momentum:-0.2;LowVol:+0.2
MaxPos7%
10
25
4.8
hard 12%
149
22.4
Sideways
18.6
4.99
3.2
129
34
58
47
false
Rebalance
Shift +1% to bonds from equity
34
-38
BrokerB
VWAP
89
null
null
Normal monitoring
-24
-2
52
5
false
Tax-aware sells next window
P7652
Active
IRA
USD
2025-09-11
2,356,887
258,467
2,098,420
1
65.3
28.6
0
6.1
VNQ:21.7%;GLD:26.1%;BND:26.1%;MUB:26.1%
US:71.2;EU:9.8;APAC:6.8;EM:9.6;Other:2.6
Value:+0.7;Growth:0.0;Quality:0.0;Size:+0.7;Momentum:-1.0;LowVol:+0.2
null
7
35
4.1
trailing 8%
217
18.5
Bear
31.4
3.03
2.8
216
37
55
77
true
Reduce
Cut high-beta by 2-3%, add cash
29
-19
BrokerC
MKT
100
Drift>tolerance
TightenStops
Allocation drift beyond policy bands
36
-53
162
3
true
Monitor dispersion and breadth
P7653
Hands-off
401k
USD
2024-11-25
460,576
19,713
440,863
1
60.6
28.1
4.4
6.8
XLF:33.3%;HYG:33.3%;VTI:33.3%
US:67.3;EU:7.2;APAC:14.0;EM:8.8;Other:2.6
Value:+0.8;Growth:-0.6;Quality:+0.9;Size:+0.2;Momentum:-0.9;LowVol:-0.7
ESGOnly;MaxPos7%;NoDerivatives
8
30
4.3
trailing 8%
115
14.3
Bull
14.2
3.56
2.1
99
30
54
44
false
Buy
Add to core equity +1%
35
0
BrokerC
LMT
99
null
null
Normal monitoring
11
-56
11
4
false
Tax-aware sells next window
P7654
Active
Trust
USD
2025-06-11
1,840,772
215,349
1,625,423
1
50.8
27.4
12.4
9.4
BND:14.1%;QQQ:23.8%;MUB:14.4%;VOO:23.8%;TSLA:23.8%
US:68.6;EU:10.6;APAC:12.0;EM:7.3;Other:1.4
Value:+0.9;Growth:0.0;Quality:-0.2;Size:+0.2;Momentum:-0.4;LowVol:-0.2
null
8
25
4.3
trailing 8%
171
22.3
Volatile
31.6
3.97
2.2
180
22
64
74
true
Reduce
Cut high-beta by 2-3%, add cash
31
12
BrokerC
LMT
98
Drift>tolerance
TightenStops
Allocation drift beyond policy bands
2
11
47
4
false
Tax-aware sells next window
P7655
Opportunistic
Trust
USD
2025-10-02
971,151
37,426
933,725
1
76.7
11.2
6.8
5.3
TSLA:25.4%;MUB:25.4%;VTI:25.4%;IEF:23.8%
US:64.5;EU:14.5;APAC:10.7;EM:6.9;Other:3.3
Value:+0.2;Growth:-0.4;Quality:-0.3;Size:-0.8;Momentum:+0.3;LowVol:-0.9
MaxPos8%;NoDerivatives
7
30
4.4
trailing 9%
251
27.8
Volatile
28.5
4.58
4.3
140
-47
31
79
true
Rebalance
Rebalance back to target bands
-3
-18
BrokerD
VWAP
91
VAR>budget
TightenStops
Risk above budget threshold
-38
-46
88
4
false
Increase defensive factor exposure
P7656
Active
Taxable
USD
2025-04-10
1,223,025
81,694
1,141,331
1
58.1
22
13.3
6.6
MUB:14.6%;VNQ:15.8%;VOO:17.2%;TLT:17.0%;XLF:18.3%;MSFT:17.1%
US:67.9;EU:14.8;APAC:7.8;EM:7.5;Other:2.0
Value:+0.4;Growth:+0.2;Quality:-0.1;Size:-0.2;Momentum:-0.9;LowVol:-0.3
MaxPos6%;NoDerivatives
8
25
4.2
trailing 9%
164
23.9
Volatile
30.3
5.28
3.7
153
3
51
81
true
Hedge
Buy index puts 1% notional
-14
13
BrokerB
VWAP
92
Drift>tolerance
TightenStops
Allocation drift beyond policy bands
-7
-33
120
2
true
Increase defensive factor exposure
P7657
Hands-off
Trust
USD
2024-08-30
700,304
36,904
663,400
1
64.3
19.6
8.1
8.1
BRK.B:25.0%;XLF:25.0%;AMZN:25.0%;VNQ:25.0%
US:61.9;EU:15.4;APAC:8.6;EM:11.8;Other:2.3
Value:+0.2;Growth:+0.7;Quality:+0.1;Size:-0.8;Momentum:+0.1;LowVol:-0.8
null
7
30
4.6
trailing 8%
170
13.5
Bull
14.7
3.63
2.2
82
62
88
45
false
Rebalance
Shift +1% to bonds from equity
3
0
BrokerB
LMT
91
null
null
Normal monitoring
-24
-28
107
3
false
Within IPS guidelines
P7658
Systematic
401k
USD
2024-07-19
591,271
46,011
545,260
1
62.3
30.5
0
7.2
QQQ:8.7%;TSLA:22.9%;HYG:15.1%;MSFT:22.9%;IEF:7.6%;MUB:22.9%
US:63.3;EU:14.4;APAC:13.6;EM:6.5;Other:2.2
Value:+0.5;Growth:-0.2;Quality:-0.1;Size:0.0;Momentum:+0.3;LowVol:+0.4
NoDerivatives
10
30
4.9
hard 12%
142
21.6
Bull
11.2
4.54
2.9
71
81
85
29
true
Rebalance
Rebalance back to target bands
16
-32
BrokerB
LMT
95
Drift>tolerance
TightenStops
Allocation drift beyond policy bands
22
-3
41
2
false
Tax-aware sells next window
P7659
Active
Taxable
USD
2025-12-09
676,585
55,955
620,630
1
64.1
29.8
0
6.1
AAPL:25.7%;TLT:25.7%;VTI:25.7%;MSFT:22.9%
US:74.1;EU:12.4;APAC:6.4;EM:5.8;Other:1.2
Value:+0.3;Growth:-0.7;Quality:-0.4;Size:-0.1;Momentum:+0.5;LowVol:+0.4
null
10
25
5.1
trailing 8%
124
22.7
Sideways
19.3
4.91
3.3
121
56
75
56
false
Buy
Add to core equity +1%
25
-23
BrokerD
LMT
88
null
null
Normal monitoring
52
-3
16
5
false
Monitor dispersion and breadth
P7660
Active
IRA
USD
2025-01-03
2,091,408
129,065
1,962,343
1.2
63.9
22.4
7.7
6
TLT:37.5%;MUB:25.0%;MSFT:37.5%
US:71.3;EU:7.4;APAC:11.6;EM:7.0;Other:2.7
Value:+0.7;Growth:-0.7;Quality:+0.6;Size:+0.8;Momentum:-0.7;LowVol:-0.7
null
8
25
4.2
hard 12%
193
19.3
Sideways
17.5
4.21
2.1
99
28
50
55
false
Hedge
Add TLT +1% as duration hedge
20
-8
BrokerD
MKT
99
null
null
Normal monitoring
82
20
105
4
false
Tax-aware sells next window
P7661
Cautious
Trust
USD
2025-10-04
278,452
32,361
246,091
1
49.9
35.2
0.3
14.5
MSFT:33.3%;GLD:33.3%;VTI:33.3%
US:66.3;EU:14.2;APAC:10.0;EM:5.2;Other:4.3
Value:-0.6;Growth:-0.2;Quality:-0.4;Size:-0.1;Momentum:-0.4;LowVol:-0.4
ESGOnly;NoMargin
5
35
5.5
hard 10%
97
13.8
Bear
25.8
4.29
1
180
-93
6
51
false
Buy
Add to core equity +1%
0
-30
BrokerB
MKT
85
null
null
Normal monitoring
-4
-12
80
5
false
Increase defensive factor exposure
P7662
Cautious
401k
USD
2025-06-26
880,677
138,514
742,163
1
46.4
39.8
0
13.8
QQQ:33.3%;VOO:33.3%;TSLA:33.3%
US:66.0;EU:14.1;APAC:8.3;EM:8.8;Other:2.8
Value:+0.3;Growth:+1.0;Quality:-0.5;Size:-0.4;Momentum:-0.4;LowVol:-0.4
NoMargin
6
25
3.2
hard 10%
111
12.2
Sideways
17.4
3.61
2.1
93
50
71
38
true
Hedge
Buy index puts 1% notional
-4
1
BrokerC
LMT
97
Drift>tolerance
TightenStops
Allocation drift beyond policy bands
-56
-52
-55
4
false
Increase defensive factor exposure
P7663
Active
401k
USD
2025-09-27
958,513
64,598
893,915
1
57.3
18.5
16
8.1
VNQ:23.1%;MUB:16.9%;BRK.B:16.5%;IEF:23.1%;MSFT:11.2%;XLF:9.2%
US:63.7;EU:14.7;APAC:8.1;EM:11.7;Other:1.8
Value:+0.1;Growth:+0.4;Quality:-0.8;Size:-0.3;Momentum:+0.5;LowVol:-0.9
null
8
30
4.9
trailing 9%
166
20.8
Sideways
21.5
3.89
3.3
125
27
54
65
true
Rebalance
Rebalance back to target bands
2
-3
BrokerB
VWAP
89
RegimeShift
Hedge
Volatility spike and breadth deterioration
43
-36
125
4
true
Tighten stops on momentum names
P7664
Opportunistic
Taxable
USD
2025-09-17
874,829
28,983
845,846
1
62.4
17.1
13.9
6.7
AAPL:11.0%;XLF:23.0%;BRK.B:17.8%;AMZN:24.1%;VOO:24.1%
US:57.1;EU:14.1;APAC:15.3;EM:12.8;Other:0.7
Value:-0.2;Growth:-0.7;Quality:+0.3;Size:+0.3;Momentum:-0.0;LowVol:+0.1
MaxPos7%
7
25
6
hard 12%
199
30.6
Volatile
28.7
4.07
2.6
152
76
89
83
true
Reduce
Cut high-beta by 2-3%, add cash
23
10
BrokerA
LMT
95
RegimeShift
Hedge
Volatility spike and breadth deterioration
85
17
69
2
false
Tighten stops on momentum names
P7665
Opportunistic
IRA
USD
2025-02-02
695,924
56,582
639,342
1
67
19.3
6.9
6.7
HYG:21.1%;MUB:10.2%;TSLA:18.1%;BND:17.4%;TLT:21.1%;AMZN:12.1%
US:62.3;EU:18.4;APAC:13.1;EM:5.5;Other:0.8
Value:+1.0;Growth:-0.5;Quality:+0.1;Size:-0.1;Momentum:-0.3;LowVol:-0.2
null
6
25
6.6
hard 12%
202
22.5
Bull
12.9
4.41
2.6
90
28
59
41
false
Sell
Trim extended winner -1%
12
-22
BrokerB
LMT
95
null
null
Normal monitoring
-28
-17
-50
4
false
Tax-aware sells next window
P7666
Cautious
Roth
USD
2024-11-28
309,541
35,732
273,809
1
45.3
40.2
0
14.5
VTI:21.6%;TLT:21.6%;GLD:16.5%;MUB:20.1%;AAPL:20.2%
US:69.0;EU:11.8;APAC:6.1;EM:8.4;Other:4.7
Value:-0.2;Growth:-0.9;Quality:-0.9;Size:+0.9;Momentum:-0.4;LowVol:+0.6
ESGOnly;NoDerivatives;NoMargin
6
30
5.9
hard 10%
90
19.2
Bull
13.9
4.24
2.8
105
94
84
44
false
Hedge
Add TLT +1% as duration hedge
10
-2
BrokerB
MKT
94
null
null
Normal monitoring
104
16
154
4
false
Tax-aware sells next window
P7667
Hands-off
401k
USD
2024-11-07
529,859
32,195
497,664
1
61.7
16.3
13.7
8.3
MUB:24.1%;IEF:24.1%;XLF:9.7%;AMZN:24.1%;VOO:17.9%
US:66.6;EU:13.8;APAC:10.3;EM:7.6;Other:1.8
Value:+1.0;Growth:+0.1;Quality:-0.9;Size:+0.3;Momentum:-0.2;LowVol:+0.3
MaxPos5%
6
35
5.5
trailing 10%
119
17.7
Volatile
28.2
5.17
3.9
176
71
97
82
true
Rebalance
Rebalance back to target bands
2
-33
BrokerC
LMT
87
VAR>budget
Pause
Risk above budget threshold
-58
-25
3
5
false
Monitor dispersion and breadth
P7668
Systematic
IRA
USD
2024-09-27
452,988
38,964
414,024
1
62.9
28.1
0
9
HYG:12.6%;MUB:18.1%;VTI:17.6%;IEF:25.9%;AAPL:25.9%
US:70.0;EU:9.7;APAC:8.4;EM:10.8;Other:1.1
Value:-0.1;Growth:+0.3;Quality:+0.1;Size:+0.8;Momentum:+0.6;LowVol:-0.0
MaxPos5%
7
30
5.7
trailing 9%
164
17
Bull
16.1
4.57
2.5
113
92
85
41
false
Buy
Add to core equity +1%
23
-39
BrokerB
LMT
94
null
null
Normal monitoring
-7
-13
33
5
false
Monitor dispersion and breadth
P7669
Hands-off
401k
USD
2025-12-21
189,641
13,249
176,392
1
72.3
16.3
1.5
10
XLF:33.3%;VOO:33.3%;VTI:33.3%
US:74.0;EU:6.9;APAC:9.8;EM:4.2;Other:5.2
Value:+0.8;Growth:+0.2;Quality:+0.8;Size:-0.9;Momentum:-0.5;LowVol:+0.5
null
7
35
4
trailing 8%
136
15.6
Bear
25.6
4.39
1.7
147
-5
43
79
true
Reduce
Cut high-beta by 2-3%, add cash
-9
-18
BrokerD
LMT
90
RegimeShift
TightenStops
Volatility spike and breadth deterioration
51
-49
137
3
true
Tax-aware sells next window
P7670
Systematic
Taxable
USD
2025-04-12
1,937,978
165,150
1,772,828
1
60.9
26.3
7.2
5.6
VTI:27.0%;MSFT:27.0%;AAPL:19.0%;HYG:27.0%
US:70.6;EU:11.1;APAC:9.0;EM:8.1;Other:1.3
Value:-0.5;Growth:-0.0;Quality:-0.8;Size:-0.8;Momentum:-0.7;LowVol:+0.3
null
10
25
5.6
trailing 9%
217
16.7
Bull
17.1
3.57
3.1
76
81
90
60
false
Hedge
Add TLT +1% as duration hedge
13
15
BrokerB
MKT
93
null
null
Normal monitoring
-42
-52
-77
4
false
Tax-aware sells next window
P7671
Cautious
Roth
USD
2025-02-24
791,998
110,826
681,172
1
41.3
42.7
0
16
AAPL:9.1%;VTI:23.4%;QQQ:23.4%;HYG:8.2%;MUB:23.4%;AMZN:12.5%
US:69.3;EU:10.1;APAC:6.1;EM:10.1;Other:4.5
Value:-0.3;Growth:+0.9;Quality:+0.9;Size:+0.8;Momentum:-0.9;LowVol:+0.9
ESGOnly;MaxPos7%;NoMargin
6
35
3.5
trailing 8%
94
17.1
Bull
14.9
4.95
3
120
80
100
26
false
Rebalance
Shift +1% to bonds from equity
15
12
BrokerB
MKT
89
null
null
Normal monitoring
111
14
191
5
false
Monitor dispersion and breadth
P7672
Opportunistic
Taxable
USD
2024-09-16
1,192,162
91,587
1,100,575
1
71
14.7
8.4
6
QQQ:25.8%;TLT:25.8%;GLD:22.5%;AMZN:25.8%
US:72.3;EU:8.7;APAC:8.4;EM:6.0;Other:4.5
Value:-0.5;Growth:-0.0;Quality:-0.4;Size:+0.7;Momentum:+0.9;LowVol:+1.0
null
7
30
6.4
trailing 9%
196
32.7
Sideways
22
4.87
3.1
95
26
70
62
false
Buy
Add to core equity +1%
34
12
BrokerB
LMT
90
null
null
Normal monitoring
105
-39
174
3
false
Tax-aware sells next window
P7673
Cautious
Taxable
USD
2025-06-28
626,993
77,392
549,601
1
44.1
33
10.3
12.5
MSFT:14.3%;BND:18.3%;VOO:14.7%;MUB:17.2%;VTI:16.3%;QQQ:19.1%
US:70.0;EU:15.1;APAC:9.1;EM:4.5;Other:1.3
Value:-0.6;Growth:-0.8;Quality:-0.7;Size:-0.7;Momentum:+0.5;LowVol:-0.4
MaxPos5%;NoMargin
10
35
5.5
trailing 10%
165
16.3
Bull
12.5
4.8
3.2
75
2
41
38
false
NoAction
Within bands; monitor
10
-16
BrokerA
LMT
91
null
null
Normal monitoring
63
-16
160
4
false
Within IPS guidelines
P7674
Opportunistic
401k
USD
2025-11-11
888,908
31,843
857,065
1
65.6
21.5
6.8
6.1
TLT:26.1%;IEF:21.8%;QQQ:26.1%;XLF:26.1%
US:68.1;EU:10.7;APAC:9.5;EM:11.6;Other:0.1
Value:-0.4;Growth:-0.5;Quality:+0.5;Size:-0.0;Momentum:-0.1;LowVol:+0.9
MaxPos7%;NoDerivatives
5
30
6.2
trailing 9%
241
28.5
Bull
14.8
4.08
3.4
79
6
61
53
false
Rebalance
Shift +1% to bonds from equity
-7
-23
BrokerA
LMT
88
null
null
Normal monitoring
-48
-12
-60
3
false
Tighten stops on momentum names
P7675
Opportunistic
Taxable
USD
2025-10-30
570,825
41,973
528,852
1
68.6
15.4
8.1
7.8
QQQ:33.3%;AMZN:33.3%;VTI:33.3%
US:61.5;EU:15.0;APAC:13.7;EM:6.7;Other:3.2
Value:-0.6;Growth:+1.0;Quality:+0.7;Size:+0.9;Momentum:-0.1;LowVol:-0.0
null
6
25
5.3
trailing 7%
183
22.7
Bull
18
3.91
2.3
119
93
100
61
false
Sell
Trim extended winner -1%
11
-9
BrokerC
LMT
90
null
null
Normal monitoring
31
-10
132
3
false
Tax-aware sells next window
P7676
Cautious
IRA
USD
2024-09-13
523,544
50,388
473,156
1
35.1
33.1
18.3
13.6
MUB:26.7%;TSLA:9.8%;BND:15.2%;VNQ:21.6%;AMZN:26.7%
US:63.3;EU:14.2;APAC:15.7;EM:3.7;Other:3.1
Value:-0.8;Growth:+0.9;Quality:-0.6;Size:-0.2;Momentum:+0.9;LowVol:-0.2
ESGOnly;NoMargin
6
30
4.2
trailing 8%
162
16
Bear
22.3
4.24
3
204
-31
27
55
false
Hedge
Add TLT +1% as duration hedge
6
-6
BrokerA
MKT
95
null
null
Normal monitoring
-46
0
-43
4
false
Tax-aware sells next window
P7677
Systematic
Taxable
USD
2025-08-08
1,800,660
113,843
1,686,817
1
63.3
24.2
3.1
9.4
TLT:13.1%;IEF:14.3%;BND:21.3%;VNQ:19.8%;MSFT:10.2%;MUB:21.3%
US:61.8;EU:14.6;APAC:12.0;EM:7.6;Other:4.0
Value:0.0;Growth:-0.4;Quality:+0.1;Size:-0.1;Momentum:-1.0;LowVol:+0.3
NoDerivatives
6
30
5
hard 12%
225
24.6
Volatile
24.3
4.02
4
143
60
72
58
false
Hedge
Add TLT +1% as duration hedge
32
-27
BrokerD
LMT
96
null
null
Normal monitoring
-15
-34
86
4
false
Tax-aware sells next window
P7678
Hands-off
Trust
USD
2024-07-21
761,530
71,471
690,059
1
70.4
23.9
0
5.7
AAPL:21.7%;VNQ:26.1%;IEF:26.1%;VTI:26.1%
US:66.0;EU:11.8;APAC:12.1;EM:6.5;Other:3.6
Value:+0.8;Growth:-0.7;Quality:+0.7;Size:+0.1;Momentum:-0.6;LowVol:+0.2
MaxPos6%;NoDerivatives
5
35
3
trailing 8%
146
16
Bear
30.5
3.32
2.8
217
-79
22
77
true
Rebalance
Rebalance back to target bands
4
-19
BrokerC
VWAP
94
VAR>budget
Reduce
Risk above budget threshold
16
-28
104
2
false
Monitor dispersion and breadth
P7679
Hands-off
Roth
USD
2025-01-19
787,432
54,307
733,125
1
58.5
18.1
15.8
7.6
BND:34.7%;BRK.B:30.6%;MUB:34.7%
US:67.9;EU:11.5;APAC:5.3;EM:11.0;Other:4.3
Value:+0.6;Growth:+0.5;Quality:+0.3;Size:+0.3;Momentum:+0.1;LowVol:+0.2
null
8
35
3.2
trailing 8%
93
16.1
Sideways
20.6
4.39
2.6
138
-11
36
55
false
Sell
Trim extended winner -1%
29
-12
BrokerC
LMT
99
null
null
Normal monitoring
83
-12
108
4
false
Tighten stops on momentum names
P7680
Opportunistic
Roth
USD
2025-07-05
1,522,353
92,805
1,429,548
1.22
71
14
8.8
6.2
VNQ:18.4%;VOO:25.1%;BND:16.9%;AAPL:25.1%;BRK.B:14.6%
US:69.4;EU:14.3;APAC:9.0;EM:5.3;Other:2.0
Value:+0.4;Growth:-0.9;Quality:-0.3;Size:+0.9;Momentum:+0.8;LowVol:+0.9
MaxPos8%
6
30
6
trailing 9%
206
33.2
Volatile
25.9
5.42
3.3
161
46
74
84
true
Reduce
Cut high-beta by 2-3%, add cash
26
-30
BrokerC
MKT
88
RegimeShift
Pause
Volatility spike and breadth deterioration
50
-54
20
2
false
Increase defensive factor exposure
P7681
Systematic
401k
USD
2024-12-11
977,711
62,156
915,555
1
59.9
31.9
2.4
5.7
HYG:16.4%;TSLA:17.8%;GLD:20.5%;VTI:20.5%;QQQ:17.9%;IEF:7.1%
US:64.9;EU:15.3;APAC:6.7;EM:8.8;Other:4.2
Value:-0.3;Growth:-0.3;Quality:+0.5;Size:+0.7;Momentum:-0.6;LowVol:+0.6
MaxPos5%
10
30
4.4
hard 12%
165
25.9
Bear
24.9
3.97
1.3
131
-53
18
61
true
Rebalance
Rebalance back to target bands
6
14
BrokerC
LMT
99
Drift>tolerance
Hedge
Allocation drift beyond policy bands
71
-19
122
4
false
Monitor dispersion and breadth
P7682
Cautious
Trust
USD
2025-10-28
598,991
68,292
530,699
1
46.1
39.4
0
14.5
BRK.B:28.8%;TSLA:13.6%;AMZN:28.8%;GLD:28.8%
US:72.1;EU:11.5;APAC:9.7;EM:4.7;Other:2.0
Value:-0.7;Growth:+0.1;Quality:+0.6;Size:-0.3;Momentum:-0.4;LowVol:-0.9
ESGOnly;NoMargin
7
25
3.9
trailing 8%
163
16.6
Volatile
32
4.68
3.9
153
76
97
73
true
Reduce
Cut high-beta by 2-3%, add cash
-9
9
BrokerC
LMT
88
Drift>tolerance
Hedge
Allocation drift beyond policy bands
106
11
95
2
false
Within IPS guidelines
P7683
Opportunistic
IRA
USD
2024-07-11
804,741
55,611
749,130
1
63
17.7
13.8
5.5
IEF:24.7%;BND:13.5%;MSFT:21.1%;MUB:24.7%;TLT:16.1%
US:61.0;EU:14.0;APAC:11.6;EM:10.7;Other:2.7
Value:+0.7;Growth:+0.1;Quality:+0.1;Size:-1.0;Momentum:-0.9;LowVol:-0.1
null
5
25
6
trailing 7%
222
22.1
Bear
25.3
4.39
1.1
156
0
49
74
true
Hedge
Buy index puts 1% notional
13
-12
BrokerA
LMT
92
RegimeShift
TightenStops
Volatility spike and breadth deterioration
105
-41
190
2
true
Increase defensive factor exposure
P7684
Active
Roth
USD
2024-09-02
2,465,404
202,054
2,263,350
1
62.8
24.8
5.1
7.3
GLD:17.7%;BND:22.8%;XLF:22.8%;AMZN:16.7%;MUB:20.1%
US:68.6;EU:16.5;APAC:8.5;EM:5.8;Other:0.6
Value:-0.6;Growth:-0.6;Quality:-1.0;Size:-0.0;Momentum:-0.6;LowVol:-0.8
NoDerivatives
8
25
5.4
trailing 9%
123
20
Bear
24.9
3.29
1.8
187
-73
5
61
false
Sell
Trim extended winner -1%
28
-17
BrokerD
MKT
96
null
null
Normal monitoring
42
-33
8
4
false
Increase defensive factor exposure
P7685
Cautious
Taxable
USD
2025-06-24
191,152
28,146
163,006
1
48.6
33.5
0.2
17.6
IEF:33.3%;BND:33.3%;AMZN:33.3%
US:56.4;EU:19.7;APAC:13.9;EM:8.0;Other:2.0
Value:-0.2;Growth:+0.8;Quality:+0.4;Size:+0.3;Momentum:-0.9;LowVol:-0.4
NoMargin
6
35
3.3
trailing 8%
129
15
Sideways
15.6
4.19
2.1
117
-20
28
33
false
Buy
Add to core equity +1%
-15
-1
BrokerC
MKT
92
null
null
Normal monitoring
-7
-24
-1
4
false
Within IPS guidelines
P7686
Opportunistic
Trust
USD
2024-12-18
1,577,940
87,530
1,490,410
1
75.6
10
5.4
8.9
BND:22.4%;AMZN:22.4%;GLD:20.1%;VOO:22.4%;VNQ:12.7%
US:70.3;EU:10.6;APAC:12.8;EM:2.9;Other:3.4
Value:-0.3;Growth:+1.0;Quality:-0.0;Size:-0.4;Momentum:+0.3;LowVol:+0.6
null
10
30
5.7
trailing 7%
236
29
Sideways
15.2
3.85
2.9
129
-6
55
63
false
Rebalance
Shift +1% to bonds from equity
5
4
BrokerA
MKT
95
null
null
Normal monitoring
-58
-18
50
4
false
Within IPS guidelines
P7687
Active
Trust
USD
2025-07-05
2,041,592
207,147
1,834,445
1
51.3
28.5
12.8
7.4
GLD:23.6%;MUB:22.1%;MSFT:23.6%;AAPL:12.8%;HYG:17.9%
US:62.6;EU:12.5;APAC:16.6;EM:7.8;Other:0.5
Value:-0.8;Growth:-0.8;Quality:-0.1;Size:+0.1;Momentum:-0.4;LowVol:-0.5
MaxPos7%
8
30
5.6
hard 12%
182
21.4
Bull
16.2
4.68
2.6
114
40
82
47
false
NoAction
Within bands; monitor
8
-2
BrokerD
LMT
97
null
null
Normal monitoring
101
-50
172
4
false
Within IPS guidelines
P7688
Cautious
Trust
USD
2025-12-08
250,154
30,592
219,562
1
53.6
33
2.6
10.8
AAPL:33.3%;VNQ:33.3%;MUB:33.3%
US:69.9;EU:11.2;APAC:10.1;EM:8.8;Other:0.0
Value:+0.4;Growth:+0.8;Quality:-0.5;Size:-0.2;Momentum:+0.2;LowVol:-0.4
ESGOnly;NoMargin
5
25
4.5
hard 10%
139
17.1
Bull
14.1
3.91
3.4
112
119
100
36
true
Reduce
Cut high-beta by 2-3%, add cash
28
8
BrokerA
VWAP
96
RegimeShift
TightenStops
Volatility spike and breadth deterioration
34
7
71
3
false
Tax-aware sells next window
P7689
Active
Trust
USD
2025-09-07
1,310,028
116,241
1,193,787
1
68.2
24.9
0
7
AAPL:15.9%;MUB:12.3%;VTI:21.0%;VOO:19.4%;QQQ:18.1%;XLF:13.3%
US:59.0;EU:19.3;APAC:12.2;EM:8.4;Other:1.2
Value:+0.2;Growth:+0.9;Quality:+0.6;Size:+0.8;Momentum:-0.1;LowVol:+0.8
null
5
30
5
hard 12%
133
23.4
Bull
11.2
4.38
3.2
77
84
100
35
false
Rebalance
Shift +1% to bonds from equity
3
-21
BrokerD
MKT
98
null
null
Normal monitoring
105
-8
180
3
false
Within IPS guidelines
P7690
Active
401k
USD
2025-02-21
1,614,161
149,648
1,464,513
1
64.3
25.9
0
9.8
VNQ:22.6%;TLT:30.1%;HYG:30.1%;AMZN:17.2%
US:62.9;EU:10.1;APAC:15.2;EM:11.6;Other:0.2
Value:+0.2;Growth:+0.2;Quality:-0.9;Size:-0.5;Momentum:-0.9;LowVol:+0.3
null
7
30
5.7
hard 12%
171
26.7
Sideways
21.3
4.48
3.1
134
55
69
54
true
Reduce
Cut high-beta by 2-3%, add cash
21
-22
BrokerA
LMT
86
VAR>budget
Reduce
Risk above budget threshold
110
9
108
4
false
Increase defensive factor exposure
P7691
Hands-off
IRA
USD
2024-09-21
504,628
42,225
462,403
1
60.2
22.2
9.7
7.9
QQQ:13.0%;VOO:24.6%;TLT:13.1%;VNQ:24.6%;XLF:24.6%
US:63.1;EU:8.8;APAC:15.9;EM:7.3;Other:4.9
Value:-0.2;Growth:-1.0;Quality:+0.1;Size:-0.9;Momentum:-0.1;LowVol:-0.1
MaxPos5%
8
30
3.5
trailing 8%
90
12.7
Bear
26.8
3.49
2.8
153
-29
27
62
false
Hedge
Add TLT +1% as duration hedge
29
-32
BrokerA
MKT
91
null
null
Normal monitoring
65
1
49
3
false
Increase defensive factor exposure
P7692
Cautious
Taxable
USD
2025-04-09
485,311
53,407
431,904
1
44
40.8
3.8
11.5
TSLA:14.9%;MUB:11.0%;AAPL:20.9%;TLT:20.9%;HYG:11.4%;GLD:20.9%
US:58.3;EU:18.6;APAC:9.8;EM:8.7;Other:4.6
Value:+0.8;Growth:+0.1;Quality:+0.1;Size:0.0;Momentum:+0.9;LowVol:+0.4
ESGOnly;MaxPos7%;NoDerivatives;NoMargin
10
35
5.4
trailing 10%
138
13.6
Bear
23.5
3.44
2.4
139
26
73
43
false
Rebalance
Shift +1% to bonds from equity
9
-21
BrokerA
LMT
92
null
null
Normal monitoring
21
-48
142
5
false
Tax-aware sells next window
P7693
Hands-off
Taxable
USD
2025-11-27
483,845
44,015
439,830
1
65.5
23.3
1.4
9.8
MUB:14.4%;VOO:17.6%;IEF:19.9%;TSLA:16.6%;BND:18.3%;VNQ:13.2%
US:65.2;EU:16.4;APAC:10.3;EM:6.2;Other:1.9
Value:+1.0;Growth:-0.5;Quality:+0.8;Size:+1.0;Momentum:-0.3;LowVol:-0.0
MaxPos8%
5
30
6
trailing 8%
165
16.6
Volatile
24.9
4.24
2.2
138
-34
33
62
false
Rebalance
Shift +1% to bonds from equity
32
13
BrokerB
MKT
95
null
null
Normal monitoring
60
-5
111
5
false
Tax-aware sells next window
P7694
Hands-off
Roth
USD
2024-10-07
354,390
21,046
333,344
1
67.5
23.6
0
8.9
VTI:33.3%;VNQ:33.3%;TLT:33.3%
US:69.4;EU:15.3;APAC:5.7;EM:7.1;Other:2.4
Value:+1.0;Growth:0.0;Quality:+0.4;Size:+0.1;Momentum:+0.1;LowVol:-0.8
null
10
25
4.6
trailing 8%
140
12.6
Volatile
20.5
4.49
4
145
-36
27
66
true
Hedge
Buy index puts 1% notional
29
2
BrokerD
VWAP
96
Drift>tolerance
Hedge
Allocation drift beyond policy bands
92
-34
215
2
false
Increase defensive factor exposure
P7695
Cautious
Taxable
USD
2024-08-07
895,624
72,410
823,214
1
49.6
33.6
0
16.9
TLT:11.4%;VOO:23.4%;QQQ:23.4%;AAPL:9.7%;IEF:23.4%;VNQ:8.7%
US:63.4;EU:14.4;APAC:10.9;EM:7.0;Other:4.2
Value:-0.2;Growth:-0.7;Quality:-0.6;Size:+0.9;Momentum:+1.0;LowVol:+0.9
ESGOnly;MaxPos7%;NoMargin
10
35
5.1
trailing 10%
166
16.6
Sideways
17.6
4.63
2.2
92
1
40
54
false
Sell
Trim extended winner -1%
-4
12
BrokerD
MKT
93
null
null
Normal monitoring
5
-33
137
4
false
Monitor dispersion and breadth
P7696
Cautious
IRA
USD
2025-02-21
442,676
42,389
400,287
1
41.9
43.7
1.9
12.5
VNQ:19.6%;BRK.B:10.2%;BND:15.9%;IEF:11.6%;VOO:21.2%;QQQ:21.4%
US:68.6;EU:16.9;APAC:7.4;EM:3.4;Other:3.7
Value:-0.1;Growth:-0.2;Quality:+0.5;Size:-0.3;Momentum:+0.3;LowVol:+0.1
NoMargin
5
30
3.7
trailing 8%
99
13.8
Sideways
15
3.53
3.2
97
-13
47
31
false
Rebalance
Shift +1% to bonds from equity
34
-10
BrokerB
LMT
95
null
null
Normal monitoring
14
-10
86
5
false
Monitor dispersion and breadth
P7697
Active
401k
USD
2025-08-01
2,432,910
263,975
2,168,935
1
66.2
22.7
4.7
6.4
VOO:22.3%;QQQ:22.3%;BRK.B:12.9%;MSFT:22.3%;VTI:20.1%
US:63.5;EU:14.0;APAC:7.3;EM:12.1;Other:3.0
Value:-0.7;Growth:-0.8;Quality:+0.5;Size:+0.3;Momentum:-0.9;LowVol:-0.0
null
8
35
4.8
trailing 8%
222
23.9
Volatile
26.8
3.96
3.9
157
-1
40
81
true
Rebalance
Rebalance back to target bands
31
-18
BrokerA
VWAP
100
RegimeShift
Reduce
Volatility spike and breadth deterioration
72
15
185
4
false
Tax-aware sells next window
P7698
Hands-off
401k
USD
2025-05-06
182,288
9,585
172,703
1
70.1
17.7
6.4
5.8
BND:21.1%;TLT:8.7%;MSFT:20.2%;TSLA:21.1%;IEF:16.9%;XLF:12.1%
US:70.1;EU:13.6;APAC:10.7;EM:5.1;Other:0.4
Value:+0.4;Growth:-0.5;Quality:+0.9;Size:+0.7;Momentum:+0.3;LowVol:+0.9
NoDerivatives
10
25
4.2
trailing 8%
113
16.1
Bull
13.2
3.98
3.1
102
107
95
53
false
Buy
Add to core equity +1%
6
-25
BrokerA
LMT
87
null
null
Normal monitoring
-11
-43
125
5
false
Tighten stops on momentum names
P7699
Cautious
Trust
USD
2025-08-15
690,051
72,841
617,210
1
43
30.7
11.7
14.6
HYG:21.6%;AAPL:21.6%;TSLA:18.2%;MSFT:21.6%;VTI:17.1%
US:64.6;EU:6.8;APAC:10.9;EM:12.2;Other:5.6
Value:+0.7;Growth:+0.5;Quality:-0.6;Size:+0.5;Momentum:-0.6;LowVol:+0.8
NoDerivatives;NoMargin
7
25
3.3
hard 10%
139
16.4
Bull
15.3
4.37
2.2
104
24
68
36
true
Hedge
Buy index puts 1% notional
6
10
BrokerD
LMT
100
VAR>budget
Hedge
Risk above budget threshold
44
7
86
5
true
Increase defensive factor exposure
P7700
Hands-off
IRA
USD
2025-09-15
500,910
49,761
451,149
1
55.8
29.6
6.3
8.2
AMZN:16.7%;VNQ:21.7%;AAPL:17.1%;VOO:21.7%;TLT:13.0%;VTI:9.8%
US:62.4;EU:18.9;APAC:10.9;EM:3.9;Other:3.9
Value:+1.0;Growth:-0.4;Quality:+0.9;Size:+0.9;Momentum:-0.1;LowVol:+0.2
ESGOnly;MaxPos5%
7
30
5.1
trailing 10%
116
19
Sideways
21.6
3.76
2
135
34
79
61
false
Hedge
Add TLT +1% as duration hedge
32
12
BrokerB
LMT
96
null
null
Normal monitoring
64
18
28
3
false
Monitor dispersion and breadth