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
P8201
Opportunistic
Taxable
USD
2025-03-06
333,220
11,537
321,683
1.18
63.8
16.3
15.5
4.4
QQQ:18.7%;BND:29.0%;HYG:23.3%;MSFT:29.0%
US:66.3;EU:12.5;APAC:6.2;EM:14.0;Other:0.9
Value:-0.4;Growth:-0.7;Quality:-0.7;Size:-0.4;Momentum:-0.2;LowVol:+0.2
MaxPos6%
8
30
5
trailing 9%
192
21.4
Bear
22.5
3.38
1.4
207
-1
36
62
false
Buy
Add to core equity +1%
2
-39
BrokerC
MKT
95
null
null
Normal monitoring
-53
-35
18
4
false
Increase defensive factor exposure
P8202
Hands-off
Trust
USD
2024-08-26
173,509
7,866
165,643
1
71.6
21.5
1.6
5.3
MSFT:24.9%;VOO:10.4%;XLF:24.9%;VTI:15.0%;BND:24.9%
US:63.0;EU:16.5;APAC:7.7;EM:10.1;Other:2.8
Value:-0.4;Growth:+0.8;Quality:+0.5;Size:-0.0;Momentum:+0.5;LowVol:+0.2
ESGOnly
10
35
3.1
trailing 8%
91
13.6
Volatile
31.2
3.61
2.4
148
21
51
95
true
Hedge
Buy index puts 1% notional
21
0
BrokerB
VWAP
95
RegimeShift
TightenStops
Volatility spike and breadth deterioration
-10
-53
-36
5
false
Monitor dispersion and breadth
P8203
Active
Trust
USD
2025-11-22
2,187,429
178,778
2,008,651
1
61.9
24.5
6.5
7.1
BND:13.8%;XLF:19.3%;MUB:9.8%;VNQ:20.9%;AAPL:20.9%;VOO:15.3%
US:56.0;EU:17.4;APAC:15.4;EM:7.3;Other:3.8
Value:-0.7;Growth:-0.5;Quality:+0.1;Size:-0.2;Momentum:+0.1;LowVol:-0.7
null
8
30
5.2
trailing 9%
176
18.2
Sideways
19.2
4.75
3.1
139
16
66
63
false
Buy
Add to core equity +1%
35
-13
BrokerA
VWAP
96
null
null
Normal monitoring
92
-19
144
4
false
Monitor dispersion and breadth
P8204
Cautious
IRA
USD
2025-10-02
892,858
96,649
796,209
1
48.2
38.7
0.8
12.3
HYG:14.1%;GLD:22.9%;QQQ:22.1%;VNQ:22.9%;XLF:17.9%
US:69.1;EU:9.7;APAC:13.4;EM:3.8;Other:3.9
Value:+0.3;Growth:-0.4;Quality:-0.5;Size:+0.2;Momentum:-0.8;LowVol:+0.5
ESGOnly;NoDerivatives;NoMargin
7
25
5.3
trailing 10%
145
13
Bull
17.5
4.6
3.1
79
63
87
44
false
Buy
Add to core equity +1%
2
-32
BrokerD
MKT
96
null
null
Normal monitoring
81
2
208
5
false
Tighten stops on momentum names
P8205
Active
Trust
USD
2024-12-15
1,181,690
86,159
1,095,531
1
57.8
19.5
16
6.7
MSFT:25.6%;AMZN:25.6%;XLF:23.1%;VTI:25.6%
US:69.3;EU:15.6;APAC:5.3;EM:6.9;Other:2.9
Value:-0.2;Growth:+0.7;Quality:+0.3;Size:+0.8;Momentum:-0.1;LowVol:+0.1
null
8
35
4.9
hard 12%
151
24.3
Bull
17.9
4.52
3.1
95
22
67
44
false
Buy
Add to core equity +1%
-14
-6
BrokerB
LMT
87
null
null
Normal monitoring
-15
-1
51
5
false
Tighten stops on momentum names
P8206
Hands-off
Taxable
USD
2025-07-18
232,950
10,968
221,982
1
65.8
17.2
7.1
9.9
MUB:21.8%;BRK.B:21.8%;HYG:11.3%;QQQ:10.5%;VOO:18.2%;AAPL:16.4%
US:65.9;EU:7.5;APAC:15.6;EM:7.4;Other:3.5
Value:+0.3;Growth:+0.7;Quality:-0.8;Size:-0.8;Momentum:-0.2;LowVol:+0.8
ESGOnly;MaxPos6%
10
35
5.6
hard 10%
101
19.6
Bull
13.7
4.91
3.4
91
2
43
37
false
Sell
Trim extended winner -1%
22
-38
BrokerC
MKT
88
null
null
Normal monitoring
54
-25
74
3
false
Monitor dispersion and breadth
P8207
Systematic
Roth
USD
2024-11-05
1,868,048
156,524
1,711,524
1
63.4
31.7
0
4.9
VNQ:17.0%;TLT:29.1%;XLF:29.1%;IEF:24.8%
US:64.8;EU:13.6;APAC:12.4;EM:4.6;Other:4.6
Value:-0.3;Growth:-0.3;Quality:+0.8;Size:+0.6;Momentum:-0.4;LowVol:-0.6
null
6
35
4.7
trailing 8%
174
23.8
Sideways
21.8
4.87
3.4
138
8
52
70
false
Hedge
Add TLT +1% as duration hedge
27
-19
BrokerA
LMT
96
null
null
Normal monitoring
101
-15
107
4
false
Tax-aware sells next window
P8208
Cautious
401k
USD
2024-12-10
671,788
86,915
584,873
1
35.6
35.7
14.3
14.4
BRK.B:33.3%;HYG:33.3%;TSLA:33.3%
US:58.2;EU:12.7;APAC:12.0;EM:12.2;Other:4.9
Value:+0.6;Growth:+0.2;Quality:+0.8;Size:-0.4;Momentum:+0.1;LowVol:-0.8
NoMargin
6
25
5.8
trailing 10%
145
17
Volatile
22
4.09
3.4
126
-36
47
35
false
Rebalance
Shift +1% to bonds from equity
33
-40
BrokerA
VWAP
95
null
null
Normal monitoring
98
12
209
5
false
Tax-aware sells next window
P8209
Cautious
Trust
USD
2024-11-13
800,763
82,216
718,547
1
37.5
31.6
13.1
17.8
TSLA:33.3%;AMZN:33.3%;BRK.B:33.3%
US:65.3;EU:10.3;APAC:17.9;EM:5.8;Other:0.7
Value:+0.5;Growth:+0.6;Quality:-0.4;Size:+0.1;Momentum:-0.8;LowVol:-0.1
ESGOnly;MaxPos8%;NoDerivatives;NoMargin
7
25
5.3
trailing 8%
121
17.8
Sideways
21.2
4.73
2.1
138
-5
57
40
false
Hedge
Add TLT +1% as duration hedge
6
-3
BrokerB
MKT
90
null
null
Normal monitoring
20
-20
79
3
false
Monitor dispersion and breadth
P8210
Systematic
IRA
USD
2025-05-04
797,346
69,595
727,751
1
66.6
21.8
6.6
5.1
VOO:14.6%;AAPL:17.4%;BND:13.6%;HYG:11.5%;VTI:21.5%;QQQ:21.5%
US:74.3;EU:12.8;APAC:5.3;EM:5.3;Other:2.3
Value:-0.8;Growth:+0.4;Quality:+0.8;Size:+0.6;Momentum:-0.0;LowVol:+0.3
null
10
30
5.3
trailing 9%
147
22.9
Bull
17.8
4.04
2
118
83
86
50
false
Sell
Trim extended winner -1%
25
15
BrokerB
LMT
93
null
null
Normal monitoring
34
-16
45
3
false
Tax-aware sells next window
P8211
Hands-off
Trust
USD
2025-02-19
245,698
16,194
229,504
1
68.1
16.2
6.2
9.4
VOO:33.3%;VNQ:33.3%;BRK.B:33.3%
US:71.6;EU:13.1;APAC:9.7;EM:3.0;Other:2.5
Value:-0.1;Growth:-0.7;Quality:-0.2;Size:-0.9;Momentum:+0.2;LowVol:+0.4
ESGOnly
5
30
5.7
hard 10%
120
12.8
Volatile
26.1
4.04
3.4
146
50
71
66
true
Reduce
Cut high-beta by 2-3%, add cash
32
-37
BrokerA
MKT
96
Drift>tolerance
Hedge
Allocation drift beyond policy bands
-60
-23
27
5
false
Increase defensive factor exposure
P8212
Opportunistic
Taxable
USD
2024-07-21
686,536
36,526
650,010
1
60.2
19.8
14.3
5.7
BND:25.0%;AAPL:25.0%;HYG:25.0%;VNQ:25.0%
US:66.1;EU:6.8;APAC:14.6;EM:8.0;Other:4.5
Value:+0.1;Growth:+0.8;Quality:-0.5;Size:-0.9;Momentum:+0.3;LowVol:-0.5
MaxPos8%;NoDerivatives
8
30
6.4
hard 12%
245
26.9
Bull
16.5
4.39
3.4
89
108
100
42
false
Rebalance
Shift +1% to bonds from equity
5
-40
BrokerD
MKT
100
null
null
Normal monitoring
-32
-15
47
5
false
Monitor dispersion and breadth
P8213
Cautious
401k
USD
2025-03-23
627,036
86,038
540,998
1
43.7
37.4
6.7
12.3
MSFT:21.8%;VOO:21.8%;AMZN:17.9%;BND:16.7%;XLF:21.8%
US:69.4;EU:15.0;APAC:7.7;EM:6.9;Other:1.0
Value:-0.6;Growth:-0.1;Quality:-0.3;Size:-0.8;Momentum:+0.8;LowVol:-0.4
MaxPos5%;NoMargin
6
35
5.6
trailing 8%
128
14.9
Bear
27.5
3.33
2.5
155
-26
45
69
false
Rebalance
Shift +1% to bonds from equity
6
-5
BrokerD
VWAP
98
null
null
Normal monitoring
23
-57
61
4
false
Increase defensive factor exposure
P8214
Cautious
IRA
USD
2024-12-18
266,997
42,280
224,717
1
47.9
39
0
13.1
XLF:22.7%;VNQ:20.6%;MSFT:11.3%;TLT:22.7%;QQQ:22.7%
US:63.4;EU:14.9;APAC:10.1;EM:6.3;Other:5.4
Value:+0.3;Growth:-0.3;Quality:-0.3;Size:+0.2;Momentum:-0.2;LowVol:+0.5
NoMargin
10
25
3.3
trailing 8%
93
13.4
Bull
13.2
3.76
3.4
90
37
80
43
false
Buy
Add to core equity +1%
-4
1
BrokerC
MKT
96
null
null
Normal monitoring
-58
-18
-13
3
false
Within IPS guidelines
P8215
Cautious
Roth
USD
2025-04-01
732,545
89,417
643,128
1
47.6
35
0.4
17
BRK.B:33.3%;XLF:33.3%;GLD:33.3%
US:68.4;EU:8.6;APAC:10.0;EM:9.1;Other:4.0
Value:-0.7;Growth:+0.5;Quality:-0.1;Size:+0.4;Momentum:+0.3;LowVol:+0.2
ESGOnly;NoMargin
10
25
4.2
trailing 10%
123
18.6
Bull
15.4
4.59
2.1
91
35
65
37
false
Rebalance
Shift +1% to bonds from equity
16
12
BrokerC
VWAP
92
null
null
Normal monitoring
18
12
-17
3
false
Tighten stops on momentum names
P8216
Hands-off
Trust
USD
2025-03-02
574,424
44,833
529,591
1
72.5
22.5
0
5
IEF:24.2%;VTI:24.2%;VNQ:24.2%;MSFT:17.8%;BND:9.6%
US:67.4;EU:10.7;APAC:11.7;EM:9.7;Other:0.4
Value:+0.9;Growth:-0.4;Quality:-0.2;Size:-0.8;Momentum:-0.0;LowVol:-0.2
null
7
25
3.1
trailing 8%
115
12.4
Bull
14.6
4.62
2.3
80
15
51
56
false
Sell
Trim extended winner -1%
23
-23
BrokerC
MKT
95
null
null
Normal monitoring
-5
-21
62
5
false
Increase defensive factor exposure
P8217
Cautious
Roth
USD
2025-10-22
267,920
24,178
243,742
1
38.6
36.4
8.5
16.5
GLD:33.3%;MUB:33.3%;TLT:33.3%
US:65.4;EU:14.6;APAC:11.5;EM:5.9;Other:2.6
Value:+0.1;Growth:+0.8;Quality:+0.2;Size:+0.8;Momentum:-0.6;LowVol:+0.8
NoMargin
8
25
4.1
trailing 10%
139
12.2
Volatile
27.8
4.17
3.8
119
-53
27
63
false
Sell
Trim extended winner -1%
29
-24
BrokerA
MKT
98
null
null
Normal monitoring
-20
13
19
4
false
Tighten stops on momentum names
P8218
Cautious
IRA
USD
2024-07-31
546,439
51,565
494,874
1
49.5
34.9
0
15.6
HYG:25.0%;AAPL:25.0%;IEF:25.0%;TLT:25.0%
US:69.1;EU:17.0;APAC:7.2;EM:6.3;Other:0.4
Value:-0.8;Growth:+0.8;Quality:-0.4;Size:-0.9;Momentum:+0.6;LowVol:-0.2
ESGOnly;NoMargin
10
25
4.3
hard 10%
151
16.3
Sideways
21.4
4.52
3.4
107
48
67
52
true
Rebalance
Rebalance back to target bands
13
4
BrokerD
MKT
87
VAR>budget
Reduce
Risk above budget threshold
-3
12
18
4
false
Monitor dispersion and breadth
P8219
Cautious
Taxable
USD
2025-01-03
541,234
44,388
496,846
1
48.1
38.7
0
13.2
VTI:33.3%;TSLA:33.3%;BND:33.3%
US:68.3;EU:19.6;APAC:6.8;EM:3.5;Other:1.8
Value:-0.8;Growth:-0.2;Quality:+0.9;Size:+0.6;Momentum:-0.6;LowVol:-1.0
NoDerivatives;NoMargin
6
35
5.5
trailing 10%
125
16
Bull
15.4
3.83
2
71
117
100
38
false
Sell
Trim extended winner -1%
17
-23
BrokerC
LMT
87
null
null
Normal monitoring
10
-48
-5
4
false
Tax-aware sells next window
P8220
Systematic
401k
USD
2025-10-02
743,042
33,025
710,017
1
59.5
21.3
10.6
8.7
BND:33.4%;VOO:33.4%;GLD:33.2%
US:74.5;EU:10.6;APAC:9.0;EM:3.0;Other:2.9
Value:-0.1;Growth:-0.5;Quality:-0.9;Size:+0.5;Momentum:-0.7;LowVol:+1.0
MaxPos5%;NoDerivatives
8
25
5.9
hard 12%
225
16.5
Sideways
20.6
4.95
2.7
92
43
75
63
false
NoAction
Within bands; monitor
15
-29
BrokerC
MKT
0
null
null
Normal monitoring
24
-7
14
3
false
Tighten stops on momentum names
P8221
Hands-off
Roth
USD
2024-10-14
707,620
39,483
668,137
1
59.3
28.9
4.1
7.6
BRK.B:19.6%;GLD:16.3%;AAPL:20.4%;MSFT:20.4%;TLT:11.5%;VTI:11.8%
US:75.5;EU:7.0;APAC:6.1;EM:9.5;Other:1.8
Value:+0.2;Growth:+0.2;Quality:+0.1;Size:-0.8;Momentum:-0.8;LowVol:-0.9
null
6
25
5.7
trailing 8%
158
17.2
Bull
12.7
4.65
2.6
95
119
100
30
false
Buy
Add to core equity +1%
21
12
BrokerC
VWAP
86
null
null
Normal monitoring
-25
18
-45
4
false
Within IPS guidelines
P8222
Hands-off
IRA
USD
2025-12-10
270,051
16,725
253,326
1
62.3
16.9
12.3
8.5
VNQ:17.2%;MSFT:30.3%;AAPL:30.3%;QQQ:22.2%
US:70.1;EU:7.7;APAC:10.9;EM:8.0;Other:3.3
Value:+0.2;Growth:+0.7;Quality:-0.1;Size:+1.0;Momentum:-0.5;LowVol:-0.7
ESGOnly
10
25
4.7
trailing 8%
136
15.7
Bull
16.9
4.92
2.7
85
101
90
47
false
Sell
Trim extended winner -1%
-1
9
BrokerC
LMT
88
null
null
Normal monitoring
55
-2
23
5
false
Within IPS guidelines
P8223
Opportunistic
Roth
USD
2025-07-27
1,743,008
94,922
1,648,086
1
64.7
11.1
16.5
7.7
VNQ:12.0%;TSLA:22.6%;VTI:22.6%;BND:20.9%;QQQ:21.9%
US:67.6;EU:6.5;APAC:12.8;EM:9.6;Other:3.4
Value:+0.1;Growth:+0.9;Quality:-1.0;Size:-0.7;Momentum:+0.5;LowVol:+0.6
null
7
30
5.3
trailing 7%
220
31.5
Sideways
21.9
4.03
3.5
94
8
57
66
false
Rebalance
Shift +1% to bonds from equity
28
-13
BrokerA
LMT
99
null
null
Normal monitoring
42
20
158
4
false
Tax-aware sells next window
P8224
Cautious
401k
USD
2025-12-25
399,767
58,278
341,489
1
47.7
36.4
0
15.9
VNQ:12.6%;QQQ:23.2%;TLT:23.2%;AMZN:23.2%;VOO:17.7%
US:65.4;EU:9.3;APAC:13.8;EM:10.3;Other:1.2
Value:-0.2;Growth:+0.3;Quality:+0.2;Size:0.0;Momentum:+0.1;LowVol:+0.7
NoDerivatives;NoMargin
5
30
5.1
trailing 8%
103
19.8
Volatile
24.4
5.45
2.7
180
64
88
64
false
Hedge
Add TLT +1% as duration hedge
-15
-30
BrokerA
MKT
97
null
null
Normal monitoring
-54
14
-39
4
false
Tighten stops on momentum names
P8225
Hands-off
IRA
USD
2024-10-27
301,008
16,129
284,879
1
57.3
20.7
14.2
7.7
MSFT:26.7%;XLF:23.0%;AAPL:23.5%;BRK.B:26.7%
US:68.2;EU:14.7;APAC:5.7;EM:9.6;Other:1.8
Value:-0.9;Growth:+0.8;Quality:-0.8;Size:+1.0;Momentum:0.0;LowVol:-0.6
MaxPos6%
5
35
4.3
trailing 8%
101
12.4
Bull
16
4.74
2.3
99
19
62
54
false
Buy
Add to core equity +1%
6
6
BrokerB
MKT
89
null
null
Normal monitoring
9
-46
83
4
false
Within IPS guidelines
P8226
Cautious
IRA
USD
2025-07-29
387,600
57,697
329,903
1
46.3
37.1
0
16.6
TLT:28.1%;TSLA:28.1%;VNQ:15.6%;IEF:28.1%
US:71.0;EU:15.4;APAC:7.8;EM:5.6;Other:0.2
Value:+0.6;Growth:-0.3;Quality:-0.1;Size:+0.1;Momentum:-0.3;LowVol:+0.6
ESGOnly;NoMargin
10
35
5.9
trailing 8%
126
19.9
Bull
13
4.47
2.6
118
57
90
35
true
Hedge
Buy index puts 1% notional
-9
7
BrokerC
MKT
89
RegimeShift
Hedge
Volatility spike and breadth deterioration
111
13
86
5
true
Increase defensive factor exposure
P8227
Hands-off
401k
USD
2025-08-22
544,093
53,271
490,822
1
63.5
16.5
11.9
8.1
BRK.B:28.5%;GLD:26.8%;BND:16.1%;HYG:28.5%
US:56.4;EU:17.5;APAC:12.9;EM:10.0;Other:3.2
Value:+0.5;Growth:-0.6;Quality:-0.9;Size:-0.7;Momentum:-0.1;LowVol:-0.8
null
10
30
5.6
trailing 10%
114
15.8
Sideways
16.2
3.78
2.9
96
7
51
43
false
Rebalance
Shift +1% to bonds from equity
33
-40
BrokerD
VWAP
95
null
null
Normal monitoring
-9
-31
79
3
false
Tighten stops on momentum names
P8228
Hands-off
Taxable
USD
2024-09-29
374,313
31,162
343,151
1
65
27.4
0
7.6
BND:7.8%;IEF:22.9%;TLT:22.9%;VTI:12.5%;MUB:13.0%;TSLA:20.9%
US:61.9;EU:18.3;APAC:14.8;EM:5.0;Other:0.0
Value:-0.1;Growth:+0.6;Quality:-0.1;Size:+0.3;Momentum:+0.8;LowVol:-0.1
ESGOnly;NoDerivatives
10
25
4.7
trailing 10%
159
14.2
Sideways
18.2
4.09
3
121
-22
47
48
false
Sell
Trim extended winner -1%
35
3
BrokerA
LMT
95
null
null
Normal monitoring
-54
-59
79
5
false
Increase defensive factor exposure
P8229
Cautious
IRA
USD
2025-04-28
486,520
70,251
416,269
1
48
35.7
0
16.3
MSFT:33.6%;VOO:33.6%;AAPL:32.9%
US:66.7;EU:10.5;APAC:13.4;EM:5.3;Other:4.1
Value:-0.4;Growth:+0.6;Quality:+0.3;Size:+0.8;Momentum:+0.1;LowVol:+0.4
ESGOnly;NoMargin
7
30
5.8
hard 10%
100
13.1
Volatile
25.5
3.54
2.2
154
-14
28
58
false
Rebalance
Shift +1% to bonds from equity
19
8
BrokerB
LMT
98
null
null
Normal monitoring
-21
-34
84
4
false
Within IPS guidelines
P8230
Cautious
Trust
USD
2025-07-06
508,818
71,055
437,763
1
39.8
35.2
9.9
15.1
TSLA:29.5%;AAPL:16.4%;AMZN:29.5%;HYG:24.6%
US:72.9;EU:6.6;APAC:9.1;EM:8.4;Other:3.0
Value:+0.7;Growth:+0.2;Quality:+0.7;Size:-0.6;Momentum:-0.2;LowVol:-0.4
ESGOnly;NoMargin
7
35
4.3
trailing 10%
139
16
Bull
16.7
3.8
2.4
101
27
52
28
false
Hedge
Add TLT +1% as duration hedge
26
-32
BrokerB
LMT
93
null
null
Normal monitoring
-12
-42
-30
4
false
Tax-aware sells next window
P8231
Active
401k
USD
2024-07-14
755,865
55,299
700,566
1
61.6
25.9
7
5.5
AAPL:23.3%;MSFT:23.3%;TLT:23.3%;VOO:20.1%;QQQ:10.0%
US:68.3;EU:11.1;APAC:7.2;EM:8.7;Other:4.7
Value:-0.4;Growth:-0.3;Quality:-0.5;Size:+0.7;Momentum:+0.1;LowVol:+0.4
null
8
25
4.5
trailing 8%
191
26.3
Bear
34.4
4.49
1.7
159
-36
33
75
true
Reduce
Cut high-beta by 2-3%, add cash
31
-5
BrokerD
LMT
92
RegimeShift
Hedge
Volatility spike and breadth deterioration
68
-39
187
2
false
Increase defensive factor exposure
P8232
Active
Trust
USD
2025-04-03
2,288,692
188,646
2,100,046
1
56.7
19
19.2
5
HYG:27.1%;BND:27.1%;AMZN:18.8%;MSFT:27.1%
US:63.8;EU:16.0;APAC:11.9;EM:5.5;Other:2.9
Value:-0.3;Growth:-0.0;Quality:+0.6;Size:+0.5;Momentum:+0.3;LowVol:-0.2
null
10
35
5.3
trailing 8%
160
21.4
Volatile
29.5
4.81
2.9
169
73
82
79
true
Rebalance
Rebalance back to target bands
2
-7
BrokerD
LMT
87
VAR>budget
Hedge
Risk above budget threshold
6
-42
48
3
false
Monitor dispersion and breadth
P8233
Systematic
IRA
USD
2024-10-27
465,584
35,952
429,632
1
66.4
26.9
0.5
6.2
IEF:34.5%;AMZN:34.5%;HYG:31.0%
US:71.4;EU:15.2;APAC:7.5;EM:4.0;Other:1.9
Value:-0.6;Growth:+0.5;Quality:+0.9;Size:-0.7;Momentum:-0.6;LowVol:-0.8
null
6
30
4.4
hard 12%
220
26
Volatile
23.8
4.86
3.2
150
70
96
72
true
Reduce
Cut high-beta by 2-3%, add cash
-15
-21
BrokerA
MKT
99
VAR>budget
Reduce
Risk above budget threshold
-2
4
-1
4
false
Tax-aware sells next window
P8234
Hands-off
Taxable
USD
2024-11-04
610,962
29,365
581,597
1
59.9
29.4
2.1
8.5
TSLA:37.6%;XLF:37.6%;VOO:24.7%
US:57.7;EU:20.1;APAC:15.9;EM:4.2;Other:2.2
Value:+0.5;Growth:-0.6;Quality:+0.3;Size:+0.7;Momentum:-0.9;LowVol:+0.8
ESGOnly
5
25
4.1
trailing 8%
141
12.8
Bull
17.7
3.77
2.7
76
84
93
50
true
Hedge
Buy index puts 1% notional
-1
-18
BrokerB
LMT
88
RegimeShift
Reduce
Volatility spike and breadth deterioration
57
15
153
2
false
Tighten stops on momentum names
P8235
Cautious
Taxable
USD
2025-03-13
383,221
38,959
344,262
1
39
42.4
3.1
15.4
BND:14.3%;VTI:22.0%;VNQ:8.7%;XLF:13.7%;QQQ:22.0%;AAPL:19.2%
US:57.8;EU:16.9;APAC:15.3;EM:6.3;Other:3.7
Value:-0.6;Growth:-0.3;Quality:0.0;Size:-0.8;Momentum:-0.7;LowVol:-0.6
NoMargin
7
25
3.8
trailing 8%
128
17
Volatile
23.9
5.4
3.7
132
-23
47
44
false
Hedge
Add TLT +1% as duration hedge
-12
-5
BrokerA
MKT
96
null
null
Normal monitoring
111
-60
157
5
false
Tax-aware sells next window
P8236
Hands-off
Roth
USD
2024-11-22
314,309
28,950
285,359
1
56
16.9
18.8
8.3
AAPL:8.0%;VOO:19.2%;GLD:23.2%;VTI:23.2%;XLF:9.8%;MUB:16.5%
US:65.3;EU:15.2;APAC:6.8;EM:12.4;Other:0.3
Value:+0.4;Growth:+0.6;Quality:+0.6;Size:0.0;Momentum:+0.9;LowVol:+0.1
ESGOnly
6
30
5
trailing 8%
132
14.3
Volatile
23.3
4.08
4.1
149
28
66
68
true
Hedge
Buy index puts 1% notional
-5
10
BrokerA
MKT
87
VAR>budget
Hedge
Risk above budget threshold
111
-38
217
4
false
Within IPS guidelines
P8237
Systematic
401k
USD
2025-09-03
1,393,023
57,897
1,335,126
1
62.7
30.2
0.6
6.5
AMZN:27.0%;MSFT:19.1%;HYG:27.0%;TSLA:27.0%
US:64.6;EU:16.3;APAC:6.8;EM:9.3;Other:3.0
Value:+0.9;Growth:+0.6;Quality:+0.7;Size:+0.1;Momentum:-0.6;LowVol:+0.3
null
8
25
5.9
trailing 8%
192
20.3
Volatile
20.6
5.45
2.3
179
-56
23
64
false
NoAction
Within bands; monitor
24
-33
BrokerD
MKT
0
null
null
Normal monitoring
-38
-1
-7
5
false
Tighten stops on momentum names
P8238
Cautious
401k
USD
2025-08-31
899,831
108,766
791,065
1
39.2
36.1
10.8
13.9
IEF:22.5%;MSFT:22.5%;VTI:18.4%;BND:14.1%;XLF:22.5%
US:66.7;EU:16.7;APAC:11.7;EM:3.8;Other:1.1
Value:+0.9;Growth:0.0;Quality:+0.4;Size:+1.0;Momentum:+0.4;LowVol:-0.6
NoMargin
7
35
3.1
hard 10%
138
18.4
Bear
30.5
3.97
1.9
147
-82
5
65
false
Rebalance
Shift +1% to bonds from equity
2
11
BrokerC
LMT
94
null
null
Normal monitoring
41
8
101
5
false
Tax-aware sells next window
P8239
Opportunistic
Trust
USD
2025-08-27
463,268
15,861
447,407
1
63.6
16.2
14.2
6.1
TSLA:25.6%;XLF:22.7%;AAPL:25.8%;MSFT:25.8%
US:62.3;EU:11.5;APAC:14.9;EM:6.1;Other:5.0
Value:-0.7;Growth:+0.5;Quality:+0.8;Size:-0.6;Momentum:-0.9;LowVol:+0.3
MaxPos8%;NoDerivatives
5
30
4.6
hard 12%
218
33.1
Volatile
31.1
5.4
4.3
147
54
69
90
true
Reduce
Cut high-beta by 2-3%, add cash
20
0
BrokerB
MKT
96
VAR>budget
TightenStops
Risk above budget threshold
101
-7
141
5
true
Within IPS guidelines
P8240
Active
Roth
USD
2024-08-19
1,945,289
185,074
1,760,215
1
66.5
21.3
2.3
10
IEF:27.0%;VTI:36.5%;BRK.B:36.5%
US:67.9;EU:16.3;APAC:10.1;EM:3.3;Other:2.4
Value:+0.4;Growth:-0.2;Quality:-0.4;Size:-0.2;Momentum:+0.1;LowVol:-0.4
NoDerivatives
10
30
4.7
trailing 8%
123
17.7
Bear
24.7
4.35
1.6
211
-67
5
64
true
Rebalance
Rebalance back to target bands
-3
-23
BrokerD
VWAP
92
VAR>budget
Pause
Risk above budget threshold
-27
12
-5
5
false
Within IPS guidelines
P8241
Opportunistic
Taxable
USD
2025-07-18
799,838
36,735
763,103
1.17
70.9
14.9
9.5
4.7
TSLA:33.3%;TLT:33.3%;VNQ:33.3%
US:66.5;EU:6.8;APAC:14.5;EM:10.3;Other:1.9
Value:-0.5;Growth:+0.4;Quality:+0.7;Size:-0.5;Momentum:+0.7;LowVol:+0.9
MaxPos7%
6
30
5.8
trailing 7%
192
34.1
Volatile
26.3
5.28
3.8
138
-11
59
71
true
Rebalance
Rebalance back to target bands
8
-34
BrokerC
MKT
93
VAR>budget
Hedge
Risk above budget threshold
-49
-50
-52
5
false
Tighten stops on momentum names
P8242
Cautious
IRA
USD
2025-03-01
847,521
103,499
744,022
1
35.8
31.1
16.3
16.8
QQQ:35.2%;MUB:35.2%;BND:29.6%
US:66.5;EU:11.8;APAC:9.0;EM:9.8;Other:2.8
Value:+0.9;Growth:-0.5;Quality:-0.5;Size:+0.5;Momentum:-0.5;LowVol:-0.8
ESGOnly;MaxPos7%;NoDerivatives;NoMargin
10
35
3.4
hard 10%
104
14.1
Bear
29.9
3.28
2.9
204
-20
53
69
false
NoAction
Within bands; monitor
12
-19
BrokerC
MKT
0
null
null
Normal monitoring
120
-49
192
3
false
Monitor dispersion and breadth
P8243
Opportunistic
Roth
USD
2025-01-23
1,322,052
68,253
1,253,799
1
62.2
15.1
15.5
7.2
MSFT:22.6%;VNQ:20.3%;MUB:22.6%;AAPL:21.8%;TLT:12.8%
US:67.3;EU:12.0;APAC:12.7;EM:6.4;Other:1.6
Value:+0.4;Growth:-0.9;Quality:+0.3;Size:-1.0;Momentum:-0.1;LowVol:-0.1
MaxPos8%
6
30
4.8
trailing 7%
279
34.1
Bull
15.7
4.83
3.1
95
104
93
57
false
NoAction
Within bands; monitor
7
-12
BrokerD
LMT
85
null
null
Normal monitoring
40
-8
96
4
false
Increase defensive factor exposure
P8244
Active
IRA
USD
2025-08-01
1,176,137
125,810
1,050,327
1
63.7
18.1
10.4
7.8
XLF:21.4%;BRK.B:11.2%;HYG:22.5%;MUB:22.5%;IEF:22.5%
US:59.3;EU:21.3;APAC:6.2;EM:11.1;Other:2.1
Value:-0.7;Growth:-0.3;Quality:-0.5;Size:0.0;Momentum:+1.0;LowVol:-0.6
MaxPos7%
5
30
6
trailing 8%
146
16.4
Volatile
21.8
4.04
2.9
142
-22
34
69
false
Buy
Add to core equity +1%
-4
-3
BrokerC
LMT
100
null
null
Normal monitoring
31
-58
132
3
false
Within IPS guidelines
P8245
Hands-off
Taxable
USD
2025-03-30
694,297
53,312
640,985
1
61.6
22.9
7.6
7.9
MSFT:21.9%;QQQ:16.0%;VNQ:10.8%;IEF:15.5%;XLF:13.9%;BRK.B:21.9%
US:59.8;EU:19.4;APAC:6.7;EM:9.5;Other:4.6
Value:-0.1;Growth:-0.1;Quality:-0.7;Size:+0.3;Momentum:+1.0;LowVol:-0.4
null
8
35
4.3
trailing 8%
145
15.4
Bull
15.7
3.96
2
108
4
41
44
false
Buy
Add to core equity +1%
-8
-29
BrokerB
MKT
88
null
null
Normal monitoring
-45
7
-37
3
false
Increase defensive factor exposure
P8246
Cautious
Trust
USD
2025-12-21
636,952
94,515
542,437
1
42.5
30.5
12.9
14.1
AAPL:20.2%;BRK.B:22.5%;HYG:13.1%;XLF:21.7%;BND:22.5%
US:69.2;EU:8.7;APAC:10.0;EM:10.6;Other:1.6
Value:+0.5;Growth:+0.7;Quality:+0.8;Size:+0.4;Momentum:+0.7;LowVol:-0.6
ESGOnly;NoDerivatives;NoMargin
7
25
3.4
trailing 8%
137
18.1
Bull
11.5
3.92
2.1
75
108
100
35
false
Rebalance
Shift +1% to bonds from equity
3
-14
BrokerC
LMT
92
null
null
Normal monitoring
82
-56
168
4
false
Within IPS guidelines
P8247
Hands-off
Taxable
USD
2025-02-25
746,702
66,632
680,070
1
68.3
22.1
0
9.6
IEF:32.8%;TLT:33.6%;AMZN:33.6%
US:72.6;EU:15.2;APAC:5.3;EM:5.5;Other:1.3
Value:+0.2;Growth:-0.5;Quality:-0.6;Size:-0.9;Momentum:-0.1;LowVol:+0.6
NoDerivatives
6
35
3.5
hard 10%
154
16.3
Bull
11.3
4.31
3.3
113
101
100
45
true
Hedge
Buy index puts 1% notional
32
1
BrokerB
MKT
98
VAR>budget
Hedge
Risk above budget threshold
114
-41
140
4
false
Tighten stops on momentum names
P8248
Opportunistic
IRA
USD
2025-04-07
529,424
30,588
498,836
1
67.7
20.2
6.9
5.3
TSLA:28.3%;VNQ:28.3%;HYG:28.3%;TLT:15.1%
US:56.5;EU:17.6;APAC:12.9;EM:12.7;Other:0.2
Value:+0.6;Growth:-0.0;Quality:+0.8;Size:+0.9;Momentum:-0.2;LowVol:-0.5
null
8
25
4.2
hard 12%
280
20.7
Bear
25.7
4.19
1
192
15
64
66
false
Rebalance
Shift +1% to bonds from equity
5
-18
BrokerA
LMT
98
null
null
Normal monitoring
40
-30
79
3
false
Tax-aware sells next window
P8249
Hands-off
401k
USD
2025-04-30
306,440
14,787
291,653
1
56.1
20.6
15.9
7.4
MUB:28.2%;IEF:28.2%;AMZN:28.2%;GLD:15.4%
US:68.7;EU:15.4;APAC:5.7;EM:6.9;Other:3.2
Value:+0.8;Growth:-0.9;Quality:-0.3;Size:-0.1;Momentum:-0.3;LowVol:-0.4
null
7
25
4.5
trailing 10%
105
17.4
Volatile
28.3
4.69
2.5
160
58
76
70
true
Hedge
Buy index puts 1% notional
22
-1
BrokerC
VWAP
96
VAR>budget
Pause
Risk above budget threshold
-34
-58
-29
4
true
Monitor dispersion and breadth
P8250
Systematic
Roth
USD
2025-05-18
1,233,208
59,242
1,173,966
1
64.2
29.5
0
6.3
VOO:23.3%;MSFT:13.0%;BND:17.3%;XLF:23.2%;TLT:23.3%
US:68.5;EU:7.5;APAC:12.9;EM:9.5;Other:1.7
Value:+0.5;Growth:+0.9;Quality:-0.4;Size:+0.4;Momentum:0.0;LowVol:+0.8
MaxPos5%
7
35
5.2
trailing 8%
149
25.1
Volatile
25.3
5.1
2.4
113
27
59
70
false
Hedge
Add TLT +1% as duration hedge
-5
-4
BrokerB
MKT
95
null
null
Normal monitoring
-57
13
12
5
false
Increase defensive factor exposure
P8251
Hands-off
401k
USD
2024-07-14
217,370
18,894
198,476
1
57.8
23.5
8.9
9.8
AMZN:26.0%;GLD:26.0%;IEF:22.0%;VNQ:26.0%
US:68.0;EU:8.0;APAC:9.1;EM:10.5;Other:4.5
Value:-0.9;Growth:-0.9;Quality:+0.4;Size:+0.6;Momentum:+0.1;LowVol:-0.6
MaxPos5%;NoDerivatives
10
25
4.1
trailing 8%
92
12.6
Bull
15.3
3.94
3.4
77
42
82
46
false
Sell
Trim extended winner -1%
7
-12
BrokerD
MKT
93
null
null
Normal monitoring
75
-31
113
4
false
Tighten stops on momentum names
P8252
Cautious
401k
USD
2025-11-01
571,939
52,379
519,560
1
46.9
34.7
4
14.5
VOO:26.9%;QQQ:25.8%;AMZN:20.5%;TSLA:26.9%
US:67.3;EU:10.7;APAC:13.3;EM:5.2;Other:3.4
Value:+0.3;Growth:+0.4;Quality:-0.5;Size:+0.2;Momentum:-0.4;LowVol:+0.4
ESGOnly;NoMargin
8
35
4.7
trailing 8%
159
15.4
Bear
34.7
3.47
2.7
156
14
56
78
true
Hedge
Buy index puts 1% notional
-14
-29
BrokerA
MKT
87
VAR>budget
Reduce
Risk above budget threshold
63
-33
186
3
false
Tighten stops on momentum names
P8253
Active
Roth
USD
2025-12-10
1,520,565
172,670
1,347,895
1.23
66.4
24.9
0
8.7
VTI:36.6%;AAPL:36.6%;VNQ:26.7%
US:67.8;EU:9.5;APAC:11.8;EM:10.6;Other:0.4
Value:-0.3;Growth:-1.0;Quality:0.0;Size:+0.4;Momentum:+0.7;LowVol:-0.2
null
10
35
4.3
trailing 9%
134
19.1
Volatile
24.3
4.37
2
123
9
68
65
false
Rebalance
Shift +1% to bonds from equity
5
-30
BrokerB
LMT
93
null
null
Normal monitoring
57
16
102
5
false
Tighten stops on momentum names
P8254
Cautious
Roth
USD
2025-04-28
379,152
58,974
320,178
1
51.4
37.4
0.4
10.8
AMZN:13.1%;TSLA:8.1%;MSFT:21.4%;VNQ:21.4%;QQQ:21.0%;IEF:14.9%
US:64.0;EU:14.2;APAC:9.7;EM:7.5;Other:4.6
Value:-0.1;Growth:+0.8;Quality:-0.2;Size:0.0;Momentum:+0.8;LowVol:+0.9
NoMargin
6
30
4.5
trailing 8%
165
20
Bull
15.2
3.9
2.3
90
78
83
37
true
Hedge
Buy index puts 1% notional
7
-1
BrokerB
MKT
99
VAR>budget
Hedge
Risk above budget threshold
100
6
175
4
true
Within IPS guidelines
P8255
Active
Trust
USD
2025-11-18
1,190,377
82,350
1,108,027
1
69.2
18.2
4.2
8.4
TSLA:21.2%;GLD:15.7%;BRK.B:10.6%;XLF:9.2%;HYG:21.7%;IEF:21.7%
US:63.5;EU:19.2;APAC:8.4;EM:8.7;Other:0.2
Value:+0.9;Growth:+0.4;Quality:+0.9;Size:+0.8;Momentum:-0.4;LowVol:-0.6
null
7
25
4.9
trailing 9%
189
22.4
Volatile
26.8
4.82
3.9
116
12
69
72
true
Hedge
Buy index puts 1% notional
35
-12
BrokerA
LMT
99
VAR>budget
Reduce
Risk above budget threshold
-38
-34
-76
3
false
Within IPS guidelines
P8256
Opportunistic
IRA
USD
2025-08-08
1,423,717
53,428
1,370,289
1
75.4
11.3
6.2
7
QQQ:21.4%;IEF:15.8%;BRK.B:22.4%;XLF:17.9%;VNQ:22.4%
US:65.3;EU:15.7;APAC:8.9;EM:6.7;Other:3.4
Value:-0.3;Growth:-0.1;Quality:-0.9;Size:+0.2;Momentum:-0.3;LowVol:-0.6
null
10
30
6
trailing 7%
273
34.8
Volatile
20.7
4
2.2
121
24
51
67
false
NoAction
Within bands; monitor
21
4
BrokerA
MKT
0
null
null
Normal monitoring
98
-46
162
3
false
Tax-aware sells next window
P8257
Opportunistic
Taxable
USD
2025-02-06
1,289,715
70,945
1,218,770
1.21
60.8
13
20
6.2
AAPL:33.3%;XLF:33.3%;HYG:33.3%
US:71.1;EU:8.6;APAC:13.2;EM:6.3;Other:0.8
Value:-0.4;Growth:-0.2;Quality:+0.7;Size:-0.4;Momentum:+0.5;LowVol:+0.9
MaxPos7%
7
35
4.8
trailing 7%
208
20.6
Bull
16.8
4.01
2.8
102
90
98
49
false
Rebalance
Shift +1% to bonds from equity
10
0
BrokerC
MKT
94
null
null
Normal monitoring
92
6
204
5
false
Tax-aware sells next window
P8258
Hands-off
IRA
USD
2024-08-06
448,661
28,154
420,507
1
58.7
25.2
8.1
7.9
TLT:26.5%;MUB:11.9%;AAPL:17.4%;AMZN:17.8%;TSLA:26.5%
US:64.7;EU:10.0;APAC:9.2;EM:10.9;Other:5.3
Value:-0.5;Growth:+0.4;Quality:+0.6;Size:-0.0;Momentum:-0.3;LowVol:-0.3
NoDerivatives
7
30
5.9
trailing 10%
140
17.3
Volatile
21.3
3.88
2
120
14
66
54
false
NoAction
Within bands; monitor
-4
8
BrokerA
VWAP
89
null
null
Normal monitoring
-20
0
114
3
false
Tighten stops on momentum names
P8259
Active
Trust
USD
2024-10-08
1,466,803
90,448
1,376,355
1.23
63.2
21.3
9.1
6.4
TSLA:16.0%;VOO:12.9%;XLF:9.8%;QQQ:19.3%;TLT:20.9%;GLD:21.1%
US:64.8;EU:15.9;APAC:12.4;EM:5.2;Other:1.7
Value:-0.7;Growth:-0.7;Quality:+0.1;Size:+0.3;Momentum:-0.1;LowVol:+0.4
MaxPos8%
5
30
4.2
hard 12%
159
27.9
Volatile
26.2
3.57
2.6
153
-58
23
78
true
Hedge
Buy index puts 1% notional
35
10
BrokerD
MKT
97
VAR>budget
Hedge
Risk above budget threshold
47
-1
155
3
false
Monitor dispersion and breadth
P8260
Opportunistic
Taxable
USD
2025-06-30
1,769,929
97,530
1,672,399
1
65.3
15.2
13.2
6.3
VNQ:33.3%;AMZN:33.3%;HYG:33.3%
US:67.0;EU:16.1;APAC:8.7;EM:7.4;Other:0.7
Value:0.0;Growth:+0.9;Quality:+1.0;Size:+0.6;Momentum:+1.0;LowVol:-0.7
null
6
30
6.1
trailing 7%
197
24
Bull
12.6
3.8
2.9
120
40
70
37
true
Rebalance
Rebalance back to target bands
8
-4
BrokerD
VWAP
94
Drift>tolerance
TightenStops
Allocation drift beyond policy bands
-40
3
-11
3
false
Tighten stops on momentum names
P8261
Active
401k
USD
2025-05-11
2,075,944
162,082
1,913,862
1
56
23
14.6
6.4
QQQ:21.7%;GLD:9.1%;AAPL:18.7%;TSLA:19.3%;VOO:21.7%;TLT:9.6%
US:56.3;EU:16.0;APAC:15.6;EM:10.3;Other:1.9
Value:+0.2;Growth:+1.0;Quality:+0.8;Size:+0.1;Momentum:-0.8;LowVol:-0.9
MaxPos7%
10
35
5.5
trailing 9%
217
23.6
Bull
13.4
3.76
2.9
78
66
86
43
true
Hedge
Buy index puts 1% notional
32
-20
BrokerC
LMT
93
VAR>budget
Hedge
Risk above budget threshold
104
-56
88
4
false
Increase defensive factor exposure
P8262
Systematic
401k
USD
2024-08-28
1,459,593
141,495
1,318,098
1
64.2
25.9
3.6
6.2
TSLA:15.0%;HYG:16.1%;QQQ:18.3%;GLD:7.9%;IEF:21.4%;VTI:21.4%
US:66.2;EU:15.5;APAC:8.5;EM:6.9;Other:3.0
Value:+0.4;Growth:-0.7;Quality:+0.5;Size:-0.5;Momentum:-0.4;LowVol:-0.4
MaxPos5%;NoDerivatives
10
25
4.8
trailing 9%
127
27.8
Bull
15
4.14
2.8
78
19
73
53
false
Rebalance
Shift +1% to bonds from equity
-14
-35
BrokerD
MKT
99
null
null
Normal monitoring
97
-42
216
3
false
Within IPS guidelines
P8263
Hands-off
IRA
USD
2024-12-04
442,846
43,578
399,268
1
57.7
20.4
14.4
7.4
TLT:29.4%;VNQ:23.9%;IEF:17.3%;VTI:29.4%
US:70.6;EU:15.7;APAC:5.9;EM:5.4;Other:2.4
Value:+0.2;Growth:-0.4;Quality:0.0;Size:-0.1;Momentum:-0.4;LowVol:+0.4
MaxPos6%
8
35
4.7
trailing 8%
113
15.6
Bull
15.6
3.81
3
102
77
92
42
false
Rebalance
Shift +1% to bonds from equity
32
-4
BrokerC
LMT
100
null
null
Normal monitoring
-60
-32
61
3
false
Increase defensive factor exposure
P8264
Active
Trust
USD
2025-01-20
1,668,475
146,733
1,521,742
1
56.4
19.6
17.3
6.6
IEF:11.4%;TLT:8.4%;XLF:22.8%;VTI:22.8%;BRK.B:11.8%;MUB:22.8%
US:66.5;EU:18.6;APAC:7.2;EM:7.4;Other:0.2
Value:0.0;Growth:+0.4;Quality:+0.3;Size:-0.9;Momentum:-0.6;LowVol:+1.0
MaxPos8%
7
35
4.2
trailing 9%
179
19
Bear
32.2
4.2
2.1
173
-33
28
71
true
Rebalance
Rebalance back to target bands
30
0
BrokerD
MKT
90
VAR>budget
Pause
Risk above budget threshold
3
4
128
2
false
Within IPS guidelines
P8265
Cautious
401k
USD
2025-05-04
839,067
103,186
735,881
1
51.4
32.6
0
15.9
IEF:20.3%;TLT:28.3%;XLF:23.0%;VTI:28.3%
US:75.3;EU:7.4;APAC:9.5;EM:6.6;Other:1.2
Value:-0.9;Growth:0.0;Quality:+0.1;Size:-0.2;Momentum:-0.3;LowVol:-0.9
ESGOnly;MaxPos5%;NoMargin
7
35
4.5
trailing 8%
96
13.8
Sideways
17.6
3.5
2.4
98
18
52
43
false
Sell
Trim extended winner -1%
18
-7
BrokerC
MKT
100
null
null
Normal monitoring
-29
1
-30
5
false
Tax-aware sells next window
P8266
Cautious
IRA
USD
2025-01-24
504,646
53,589
451,057
1
35.7
43.6
4.4
16.3
TSLA:22.5%;BND:7.3%;MSFT:10.0%;TLT:15.2%;XLF:22.5%;VTI:22.5%
US:69.5;EU:6.0;APAC:10.3;EM:9.6;Other:4.7
Value:-0.9;Growth:-0.2;Quality:+0.7;Size:-0.5;Momentum:-0.2;LowVol:-0.5
NoMargin
5
35
3.4
trailing 8%
102
12.2
Volatile
28.9
5.36
3.4
138
68
77
66
false
Sell
Trim extended winner -1%
1
12
BrokerC
LMT
89
null
null
Normal monitoring
18
16
113
3
false
Increase defensive factor exposure
P8267
Opportunistic
Roth
USD
2025-10-21
710,922
35,018
675,904
1
65.4
21.1
5.8
7.7
XLF:31.0%;MSFT:34.5%;IEF:34.5%
US:63.6;EU:16.7;APAC:7.2;EM:9.3;Other:3.2
Value:-0.1;Growth:+0.9;Quality:+0.8;Size:-0.6;Momentum:+0.4;LowVol:+0.1
MaxPos6%;NoDerivatives
5
35
4.9
trailing 7%
185
31.8
Sideways
19
4.77
2.1
100
-27
34
58
false
Rebalance
Shift +1% to bonds from equity
12
8
BrokerC
MKT
92
null
null
Normal monitoring
72
-45
182
4
false
Within IPS guidelines
P8268
Hands-off
401k
USD
2025-08-30
776,900
60,420
716,480
1
60.8
17.2
14.6
7.4
TLT:33.3%;VNQ:33.3%;BND:33.3%
US:67.4;EU:13.5;APAC:10.9;EM:4.1;Other:4.0
Value:+0.9;Growth:-0.2;Quality:-0.6;Size:+0.6;Momentum:-0.6;LowVol:+0.1
ESGOnly
6
25
3.3
hard 10%
110
15.4
Sideways
19.3
3.86
3.1
100
-3
46
48
false
Rebalance
Shift +1% to bonds from equity
1
-12
BrokerD
MKT
95
null
null
Normal monitoring
-1
-33
8
4
false
Within IPS guidelines
P8269
Hands-off
Trust
USD
2025-05-30
429,817
36,291
393,526
1
71
23
0
6
VNQ:22.1%;XLF:22.1%;TSLA:22.1%;QQQ:13.8%;AMZN:19.9%
US:56.5;EU:20.6;APAC:7.3;EM:12.4;Other:3.2
Value:-0.9;Growth:-1.0;Quality:0.0;Size:-0.5;Momentum:-1.0;LowVol:-0.6
ESGOnly
5
35
4.3
trailing 8%
160
13.1
Sideways
15.2
4.73
2.1
130
2
38
47
false
Rebalance
Shift +1% to bonds from equity
19
-9
BrokerD
MKT
98
null
null
Normal monitoring
-6
-27
115
3
false
Monitor dispersion and breadth
P8270
Cautious
Roth
USD
2025-06-22
632,059
97,012
535,047
1
51.5
38.1
0
10.4
GLD:13.9%;MSFT:18.9%;BND:24.0%;BRK.B:19.1%;MUB:24.0%
US:60.1;EU:17.3;APAC:10.2;EM:7.2;Other:5.3
Value:+0.3;Growth:-0.4;Quality:-0.7;Size:-0.3;Momentum:-0.8;LowVol:-0.5
NoMargin
6
35
3.4
trailing 8%
159
14.7
Bull
11.4
4.42
2.2
84
27
61
25
false
Sell
Trim extended winner -1%
19
-36
BrokerC
MKT
96
null
null
Normal monitoring
13
19
21
3
false
Tighten stops on momentum names
P8271
Cautious
Trust
USD
2024-08-16
818,618
67,701
750,917
1
39.1
41.4
8
11.4
AAPL:23.8%;IEF:12.5%;TLT:14.9%;TSLA:7.7%;HYG:17.4%;BND:23.8%
US:72.3;EU:6.3;APAC:9.1;EM:10.4;Other:1.8
Value:-0.2;Growth:+0.9;Quality:+0.5;Size:-0.9;Momentum:+0.6;LowVol:+0.5
MaxPos5%;NoDerivatives;NoMargin
6
25
6
trailing 10%
115
18.2
Bull
13.4
3.65
2.4
115
36
63
23
false
Rebalance
Shift +1% to bonds from equity
30
-21
BrokerA
VWAP
100
null
null
Normal monitoring
53
-59
112
3
false
Tighten stops on momentum names
P8272
Opportunistic
Roth
USD
2024-10-27
624,338
38,474
585,864
1
61.9
14.7
15.3
8.1
TSLA:20.0%;MSFT:26.7%;BRK.B:26.7%;QQQ:26.7%
US:71.4;EU:6.4;APAC:11.0;EM:6.8;Other:4.3
Value:+0.7;Growth:+0.9;Quality:-0.4;Size:-0.3;Momentum:+0.5;LowVol:+0.5
MaxPos8%
5
30
6.6
trailing 9%
256
27.8
Sideways
20.7
4.23
2.6
104
-7
37
59
false
Sell
Trim extended winner -1%
8
-14
BrokerB
LMT
87
null
null
Normal monitoring
-49
-15
39
4
false
Tax-aware sells next window
P8273
Active
401k
USD
2024-07-23
1,604,421
131,914
1,472,507
1
65.7
20.6
7.2
6.5
XLF:26.9%;VTI:26.3%;QQQ:26.9%;GLD:19.9%
US:70.8;EU:6.6;APAC:9.5;EM:7.8;Other:5.3
Value:+0.7;Growth:+0.9;Quality:-0.4;Size:+0.2;Momentum:-0.3;LowVol:+0.2
MaxPos5%;NoDerivatives
5
30
5.7
trailing 9%
174
27.5
Bull
12
3.89
2.5
107
99
90
53
false
Hedge
Add TLT +1% as duration hedge
15
1
BrokerC
MKT
99
null
null
Normal monitoring
74
-33
205
4
false
Increase defensive factor exposure
P8274
Systematic
Roth
USD
2025-02-26
1,644,993
133,753
1,511,240
1
56.2
21.1
17.4
5.3
BND:21.7%;AMZN:17.1%;VOO:14.4%;QQQ:12.7%;MSFT:21.7%;XLF:12.4%
US:75.8;EU:9.4;APAC:7.1;EM:7.6;Other:0.1
Value:-0.9;Growth:-0.6;Quality:+0.6;Size:+0.6;Momentum:-0.2;LowVol:+0.5
MaxPos5%
6
25
5.2
hard 12%
169
22.2
Sideways
18.2
4.81
2.9
105
-26
44
50
false
Hedge
Add TLT +1% as duration hedge
18
-23
BrokerD
LMT
86
null
null
Normal monitoring
-5
-6
23
5
false
Tax-aware sells next window
P8275
Hands-off
Roth
USD
2025-07-26
533,201
40,691
492,510
1
58
18
17.5
6.4
VOO:24.4%;BRK.B:25.2%;VNQ:25.2%;XLF:25.2%
US:59.9;EU:19.2;APAC:9.5;EM:6.1;Other:5.3
Value:-0.5;Growth:+0.4;Quality:+0.4;Size:-0.6;Momentum:+0.2;LowVol:+0.4
MaxPos6%
7
35
3.8
trailing 8%
170
15.8
Bull
17.1
4.68
2.7
100
33
51
43
false
Hedge
Add TLT +1% as duration hedge
12
11
BrokerB
MKT
93
null
null
Normal monitoring
-52
-30
-24
5
false
Increase defensive factor exposure
P8276
Cautious
Taxable
USD
2024-12-01
682,310
79,219
603,091
1
35.5
43
3.7
17.8
MSFT:36.9%;GLD:36.9%;AMZN:26.3%
US:69.3;EU:16.6;APAC:6.6;EM:5.5;Other:1.9
Value:-0.9;Growth:+0.7;Quality:-1.0;Size:+0.6;Momentum:+0.6;LowVol:-0.5
ESGOnly;NoMargin
8
30
3.3
hard 10%
103
12.2
Volatile
28.3
3.8
4.3
156
-3
63
62
false
Sell
Trim extended winner -1%
6
-3
BrokerB
LMT
88
null
null
Normal monitoring
116
-4
238
3
false
Tax-aware sells next window
P8277
Hands-off
Taxable
USD
2025-12-01
295,186
23,492
271,694
1
67.1
15.4
10.4
7.1
QQQ:25.0%;HYG:25.0%;GLD:25.0%;TLT:25.0%
US:58.7;EU:14.7;APAC:15.4;EM:6.5;Other:4.7
Value:+0.1;Growth:+0.7;Quality:-0.3;Size:+0.5;Momentum:-0.0;LowVol:-0.3
ESGOnly;MaxPos8%
10
30
3.7
hard 10%
155
17.2
Bull
13.3
4.5
2.9
109
49
64
50
false
Sell
Trim extended winner -1%
21
-6
BrokerA
MKT
93
null
null
Normal monitoring
1
-11
53
3
false
Increase defensive factor exposure
P8278
Opportunistic
Roth
USD
2024-07-23
1,062,332
83,636
978,696
1
63.1
10.5
20.2
6.2
BRK.B:16.3%;GLD:14.1%;VNQ:21.7%;TLT:18.3%;MSFT:7.8%;MUB:21.7%
US:66.4;EU:16.0;APAC:9.7;EM:7.5;Other:0.4
Value:-0.1;Growth:-0.8;Quality:-0.0;Size:-0.5;Momentum:+0.3;LowVol:+0.7
NoDerivatives
6
25
5.9
trailing 7%
201
20.5
Volatile
28.6
4.8
2.2
153
-56
16
65
false
Rebalance
Shift +1% to bonds from equity
-3
-32
BrokerD
MKT
99
null
null
Normal monitoring
90
11
149
4
false
Monitor dispersion and breadth
P8279
Cautious
Taxable
USD
2025-06-25
598,689
62,116
536,573
1
38.2
44.1
0
17.7
GLD:21.2%;AAPL:21.2%;TSLA:21.2%;BND:15.3%;TLT:21.2%
US:69.1;EU:11.8;APAC:11.2;EM:7.9;Other:0.0
Value:-0.1;Growth:+1.0;Quality:+0.2;Size:-0.6;Momentum:-0.8;LowVol:-0.3
NoMargin
7
25
4
trailing 10%
147
19.3
Bull
13.1
3.62
2.9
114
6
38
20
false
Rebalance
Shift +1% to bonds from equity
8
-38
BrokerB
MKT
100
null
null
Normal monitoring
97
-53
104
3
false
Increase defensive factor exposure
P8280
Opportunistic
Roth
USD
2025-10-16
893,456
47,031
846,425
1
64.5
10.4
20.4
4.8
IEF:13.4%;VNQ:15.9%;TLT:15.5%;TSLA:20.7%;BRK.B:13.7%;AMZN:20.7%
US:66.9;EU:19.8;APAC:6.7;EM:4.0;Other:2.5
Value:+0.4;Growth:+0.4;Quality:-0.7;Size:-0.1;Momentum:+0.5;LowVol:+0.2
null
10
35
6.2
hard 12%
248
30.6
Bull
15.5
4.6
2.9
84
112
100
57
false
Sell
Trim extended winner -1%
-2
10
BrokerC
MKT
99
null
null
Normal monitoring
110
-14
216
5
false
Monitor dispersion and breadth
P8281
Cautious
Trust
USD
2025-07-28
877,979
140,048
737,931
1
52.1
35.3
0
12.6
VNQ:35.5%;TLT:35.5%;QQQ:29.0%
US:62.5;EU:13.8;APAC:12.4;EM:7.8;Other:3.7
Value:+0.1;Growth:+0.6;Quality:+0.7;Size:-0.9;Momentum:+0.9;LowVol:+0.1
MaxPos7%;NoMargin
6
25
3.1
hard 10%
164
13.7
Bull
15.6
4.76
2.8
83
45
83
41
false
Sell
Trim extended winner -1%
4
-32
BrokerD
VWAP
88
null
null
Normal monitoring
53
-58
95
4
false
Within IPS guidelines
P8282
Opportunistic
Trust
USD
2025-08-14
954,270
30,540
923,730
1
64.9
18.4
9.1
7.6
MSFT:19.2%;HYG:13.9%;XLF:23.0%;VTI:21.1%;BRK.B:23.0%
US:59.8;EU:18.7;APAC:10.4;EM:10.5;Other:0.6
Value:-1.0;Growth:+0.6;Quality:-0.9;Size:+0.2;Momentum:-0.6;LowVol:+0.5
MaxPos5%
10
35
6.1
trailing 7%
194
30.4
Bull
11.2
3.79
2.6
110
62
72
37
false
Buy
Add to core equity +1%
-13
-32
BrokerD
MKT
89
null
null
Normal monitoring
36
3
33
4
false
Increase defensive factor exposure
P8283
Systematic
IRA
USD
2025-09-01
895,181
52,904
842,277
1
63.9
29.1
0
7
IEF:33.3%;QQQ:33.3%;BRK.B:33.3%
US:70.1;EU:17.5;APAC:7.3;EM:4.2;Other:0.9
Value:+0.8;Growth:-0.4;Quality:+0.2;Size:+0.8;Momentum:+0.6;LowVol:+1.0
NoDerivatives
5
30
4.7
trailing 9%
227
17.6
Volatile
28.6
3.6
3.4
162
61
68
78
true
Reduce
Cut high-beta by 2-3%, add cash
17
-23
BrokerB
MKT
85
Drift>tolerance
Hedge
Allocation drift beyond policy bands
35
-42
28
4
false
Tighten stops on momentum names
P8284
Hands-off
IRA
USD
2025-07-27
396,262
20,340
375,922
1
74.7
17.7
0
7.6
XLF:25.6%;TSLA:23.3%;IEF:25.6%;BND:25.6%
US:64.6;EU:12.4;APAC:6.8;EM:10.5;Other:5.8
Value:-0.4;Growth:-0.4;Quality:-0.1;Size:+0.5;Momentum:+0.3;LowVol:+1.0
ESGOnly
5
35
3.6
trailing 8%
129
19.1
Bull
11.8
4.37
2
84
69
81
54
false
Rebalance
Shift +1% to bonds from equity
6
7
BrokerD
LMT
99
null
null
Normal monitoring
65
-12
171
5
false
Monitor dispersion and breadth
P8285
Opportunistic
401k
USD
2025-01-29
304,229
9,665
294,564
1
72.6
18.1
4.4
4.9
VNQ:22.0%;XLF:10.4%;QQQ:12.2%;AMZN:22.0%;TLT:11.4%;HYG:22.0%
US:71.5;EU:14.1;APAC:9.6;EM:4.7;Other:0.1
Value:+0.7;Growth:-0.2;Quality:+0.2;Size:+0.2;Momentum:+0.9;LowVol:+0.9
MaxPos8%
10
30
6.3
trailing 9%
210
20.3
Bear
31.1
3.34
2.5
173
-112
5
82
true
Reduce
Cut high-beta by 2-3%, add cash
22
-14
BrokerC
MKT
93
VAR>budget
Hedge
Risk above budget threshold
15
-39
147
5
false
Within IPS guidelines
P8286
Cautious
Roth
USD
2025-07-05
209,265
21,027
188,238
1
47.7
30.3
7.6
14.3
GLD:21.0%;TLT:26.3%;AMZN:26.3%;VNQ:26.3%
US:68.4;EU:15.5;APAC:8.0;EM:8.0;Other:0.2
Value:+0.1;Growth:-0.2;Quality:-0.5;Size:0.0;Momentum:-1.0;LowVol:+0.9
NoMargin
7
30
5.3
trailing 10%
136
19.4
Bull
16.9
4.85
2.2
113
63
81
48
false
Rebalance
Shift +1% to bonds from equity
-2
-3
BrokerA
MKT
94
null
null
Normal monitoring
-41
-18
52
4
false
Monitor dispersion and breadth
P8287
Active
Taxable
USD
2025-01-24
540,656
53,587
487,069
1
55.7
31.4
7.2
5.8
HYG:19.2%;VTI:18.8%;GLD:10.8%;AMZN:20.3%;BND:19.3%;VNQ:11.5%
US:73.3;EU:6.4;APAC:10.0;EM:6.3;Other:4.0
Value:-0.3;Growth:+0.8;Quality:-0.8;Size:+0.9;Momentum:-0.1;LowVol:+0.4
null
8
30
4.7
trailing 8%
130
18.9
Sideways
17.8
4.16
3.1
120
41
63
59
false
NoAction
Within bands; monitor
32
12
BrokerC
VWAP
94
null
null
Normal monitoring
120
3
165
3
false
Within IPS guidelines
P8288
Systematic
Roth
USD
2025-05-03
1,417,727
93,759
1,323,968
1
69
24.6
1
5.4
HYG:24.2%;VOO:17.3%;AAPL:24.2%;MSFT:11.8%;VTI:22.4%
US:76.6;EU:6.5;APAC:7.6;EM:5.0;Other:4.2
Value:+0.5;Growth:+0.1;Quality:+0.9;Size:-0.6;Momentum:+0.3;LowVol:-0.2
MaxPos7%
7
25
6
trailing 8%
230
26.3
Bull
16.3
4.95
3.5
77
6
66
46
false
Sell
Trim extended winner -1%
-3
-40
BrokerA
LMT
91
null
null
Normal monitoring
9
15
38
5
false
Tighten stops on momentum names
P8289
Opportunistic
Trust
USD
2024-07-31
1,648,398
69,431
1,578,967
1
77.5
14.6
0
7.8
MSFT:27.8%;VOO:16.7%;IEF:27.8%;TLT:27.8%
US:66.7;EU:8.1;APAC:12.8;EM:7.3;Other:5.2
Value:-0.3;Growth:+0.4;Quality:-0.2;Size:-0.8;Momentum:-0.7;LowVol:+0.4
null
7
35
4.6
trailing 7%
235
20.2
Bull
11.6
4.69
2.5
112
52
67
41
false
Sell
Trim extended winner -1%
26
7
BrokerC
LMT
96
null
null
Normal monitoring
-52
4
46
3
false
Tax-aware sells next window
P8290
Active
Roth
USD
2024-10-23
2,326,676
221,277
2,105,399
1
57.9
27.6
8.6
5.9
XLF:8.4%;VTI:22.9%;AAPL:22.9%;QQQ:22.9%;VOO:22.9%
US:66.1;EU:14.0;APAC:11.5;EM:8.1;Other:0.3
Value:0.0;Growth:-0.1;Quality:-0.6;Size:+0.4;Momentum:-0.5;LowVol:-0.1
NoDerivatives
10
35
4.2
trailing 9%
229
21.5
Bear
31.7
4.16
2.3
154
-73
9
79
true
Rebalance
Rebalance back to target bands
5
-26
BrokerA
MKT
97
RegimeShift
Reduce
Volatility spike and breadth deterioration
26
-26
89
4
false
Monitor dispersion and breadth
P8291
Opportunistic
Taxable
USD
2025-01-19
1,152,615
59,698
1,092,917
1.1
61.7
10.4
20
8
VOO:22.3%;VTI:25.9%;BRK.B:25.9%;XLF:25.9%
US:68.6;EU:12.6;APAC:5.7;EM:10.8;Other:2.3
Value:+0.9;Growth:+0.3;Quality:0.0;Size:-0.9;Momentum:-0.5;LowVol:+0.7
null
10
25
6.6
trailing 7%
212
21.2
Volatile
30.5
4.21
2.1
134
59
75
79
true
Reduce
Cut high-beta by 2-3%, add cash
4
-4
BrokerC
MKT
90
Drift>tolerance
Pause
Allocation drift beyond policy bands
31
-11
16
2
false
Tighten stops on momentum names
P8292
Hands-off
Roth
USD
2025-01-30
462,557
19,783
442,774
1
68.8
24
0
7.2
AMZN:9.8%;VTI:22.5%;AAPL:22.3%;TSLA:14.0%;GLD:12.3%;VOO:19.1%
US:74.7;EU:5.9;APAC:13.0;EM:4.6;Other:1.8
Value:-0.8;Growth:+0.7;Quality:0.0;Size:-0.6;Momentum:+0.1;LowVol:-0.5
null
10
35
3.1
trailing 8%
147
18.5
Sideways
14.2
4.2
2.4
94
-25
44
59
false
Buy
Add to core equity +1%
21
-1
BrokerD
MKT
94
null
null
Normal monitoring
-3
-36
121
5
false
Monitor dispersion and breadth
P8293
Hands-off
Taxable
USD
2025-05-26
218,703
21,545
197,158
1
64.8
26.3
0
9
VOO:33.3%;GLD:33.3%;TLT:33.3%
US:79.8;EU:6.9;APAC:8.2;EM:3.5;Other:1.7
Value:-0.1;Growth:-0.3;Quality:+0.4;Size:+0.2;Momentum:-0.2;LowVol:-0.3
ESGOnly
10
30
3.1
trailing 8%
129
13.9
Volatile
30.8
4.95
4.1
171
40
70
80
true
Hedge
Buy index puts 1% notional
11
3
BrokerA
LMT
94
Drift>tolerance
Hedge
Allocation drift beyond policy bands
51
1
77
2
false
Increase defensive factor exposure
P8294
Opportunistic
401k
USD
2024-09-28
792,164
63,924
728,240
1
62.3
20.7
9.3
7.8
AMZN:17.0%;BRK.B:31.8%;BND:31.8%;VOO:19.4%
US:61.7;EU:19.0;APAC:9.7;EM:7.1;Other:2.5
Value:+0.3;Growth:-0.8;Quality:+1.0;Size:-0.2;Momentum:+0.7;LowVol:-0.7
null
10
35
4.4
trailing 9%
179
30.6
Bear
23.3
3.17
1.6
172
-17
44
69
true
Hedge
Buy index puts 1% notional
-4
-7
BrokerB
VWAP
99
Drift>tolerance
Reduce
Allocation drift beyond policy bands
14
-41
50
2
false
Tax-aware sells next window
P8295
Cautious
Trust
USD
2025-09-26
819,720
93,570
726,150
1
43.9
33
8.9
14.3
VTI:25.7%;BRK.B:25.7%;BND:23.0%;VOO:25.6%
US:61.9;EU:16.2;APAC:10.3;EM:7.8;Other:3.8
Value:-0.8;Growth:+0.4;Quality:-1.0;Size:+0.7;Momentum:+0.2;LowVol:+0.8
MaxPos7%;NoMargin
7
25
4.1
hard 10%
136
13.8
Sideways
16.9
3.89
3.3
138
-16
47
30
false
Rebalance
Shift +1% to bonds from equity
-3
1
BrokerD
VWAP
92
null
null
Normal monitoring
58
-27
155
3
false
Monitor dispersion and breadth
P8296
Active
401k
USD
2025-08-24
1,293,131
89,224
1,203,907
1
57.1
29.4
6.8
6.7
HYG:33.3%;XLF:33.3%;AMZN:33.3%
US:70.0;EU:11.3;APAC:5.6;EM:9.3;Other:3.8
Value:+0.3;Growth:-1.0;Quality:-0.1;Size:-0.5;Momentum:+0.4;LowVol:-0.2
NoDerivatives
6
30
5
trailing 8%
145
24.2
Sideways
14.5
4.26
3.3
116
0
58
38
false
Rebalance
Shift +1% to bonds from equity
22
-19
BrokerA
VWAP
85
null
null
Normal monitoring
2
-55
117
4
false
Within IPS guidelines
P8297
Hands-off
401k
USD
2025-08-28
492,611
33,058
459,553
1
64.1
25.4
5.5
5
XLF:32.6%;TLT:33.7%;HYG:33.7%
US:67.0;EU:17.7;APAC:6.4;EM:8.6;Other:0.3
Value:-0.8;Growth:+0.8;Quality:+0.6;Size:+0.3;Momentum:-1.0;LowVol:0.0
ESGOnly;MaxPos6%;NoDerivatives
8
35
3.1
trailing 8%
114
19.6
Bull
12.8
3.55
2.7
81
35
82
42
false
Rebalance
Shift +1% to bonds from equity
33
-3
BrokerC
VWAP
92
null
null
Normal monitoring
12
-27
4
3
false
Increase defensive factor exposure
P8298
Cautious
401k
USD
2025-11-06
403,540
60,237
343,303
1
47.7
38.7
0
13.6
IEF:11.4%;VOO:15.2%;TSLA:21.9%;VNQ:21.9%;TLT:21.7%;AAPL:7.9%
US:70.5;EU:14.0;APAC:8.5;EM:7.0;Other:0.0
Value:+0.5;Growth:-0.1;Quality:-1.0;Size:-0.5;Momentum:+0.8;LowVol:-0.7
ESGOnly;NoDerivatives;NoMargin
6
25
5
hard 10%
106
19.3
Bull
11.1
4.14
3.5
85
105
100
37
false
Rebalance
Shift +1% to bonds from equity
14
-6
BrokerB
MKT
89
null
null
Normal monitoring
31
8
112
4
false
Monitor dispersion and breadth
P8299
Active
Taxable
USD
2025-04-12
934,466
60,360
874,106
1
63.2
27.8
1.8
7.2
BRK.B:28.4%;VOO:28.4%;MSFT:28.4%;GLD:14.7%
US:66.6;EU:14.4;APAC:9.8;EM:8.4;Other:0.8
Value:-0.1;Growth:-0.2;Quality:+0.6;Size:-0.8;Momentum:-0.7;LowVol:+0.1
MaxPos5%;NoDerivatives
5
25
5.4
hard 12%
170
26.8
Volatile
21.5
4.43
3.6
125
-52
17
58
false
Sell
Trim extended winner -1%
-1
-19
BrokerB
VWAP
85
null
null
Normal monitoring
47
-37
59
3
false
Monitor dispersion and breadth
P8300
Hands-off
401k
USD
2025-08-03
733,073
51,996
681,077
1
67
26.5
0
6.5
AMZN:22.6%;BRK.B:15.1%;HYG:17.2%;QQQ:22.6%;GLD:13.3%;AAPL:9.3%
US:65.4;EU:16.8;APAC:11.0;EM:3.5;Other:3.3
Value:-0.1;Growth:+0.3;Quality:-0.4;Size:-1.0;Momentum:+0.4;LowVol:+0.9
ESGOnly;NoDerivatives
8
30
4.5
hard 10%
98
14.4
Volatile
22.9
4.61
4.1
167
77
76
58
false
Sell
Trim extended winner -1%
1
-32
BrokerA
MKT
87
null
null
Normal monitoring
0
-48
103
3
false
Monitor dispersion and breadth