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
P9001
Systematic
IRA
USD
2024-10-29
1,576,436
139,736
1,436,700
1
65.9
26
1.8
6.3
HYG:29.1%;QQQ:35.4%;VNQ:35.4%
US:70.4;EU:9.2;APAC:9.7;EM:8.6;Other:2.0
Value:+0.6;Growth:+0.3;Quality:-0.8;Size:+0.5;Momentum:+0.3;LowVol:+0.4
null
10
30
4.9
trailing 8%
156
25.2
Sideways
17.1
4.5
2.2
133
1
35
45
false
Rebalance
Shift +1% to bonds from equity
2
-8
BrokerB
VWAP
98
null
null
Normal monitoring
113
-29
203
4
false
Monitor dispersion and breadth
P9002
Cautious
IRA
USD
2025-12-02
230,829
27,551
203,278
1
49.1
36.9
0
14
QQQ:22.1%;AAPL:10.1%;VNQ:19.9%;TSLA:15.0%;MSFT:22.1%;BND:10.9%
US:63.2;EU:12.3;APAC:12.9;EM:8.4;Other:3.2
Value:+1.0;Growth:+0.2;Quality:+0.1;Size:-0.3;Momentum:0.0;LowVol:+0.3
MaxPos6%;NoMargin
10
35
4.2
trailing 8%
147
14.8
Bear
22.4
3.42
1.6
177
-63
24
57
false
Sell
Trim extended winner -1%
34
-23
BrokerD
MKT
90
null
null
Normal monitoring
105
-40
158
3
false
Tax-aware sells next window
P9003
Systematic
IRA
USD
2024-09-16
1,136,450
64,776
1,071,674
1
60.8
31.2
0
7.9
XLF:24.2%;VOO:11.0%;GLD:24.2%;TLT:24.2%;TSLA:16.4%
US:62.9;EU:12.7;APAC:13.1;EM:5.9;Other:5.3
Value:+0.4;Growth:+0.6;Quality:-0.1;Size:+0.4;Momentum:-0.8;LowVol:+0.3
MaxPos5%;NoDerivatives
6
35
4.9
hard 12%
219
17.7
Volatile
31.7
4.26
3.4
140
66
97
80
true
Hedge
Buy index puts 1% notional
-15
-19
BrokerC
MKT
98
Drift>tolerance
Pause
Allocation drift beyond policy bands
-10
-25
115
5
false
Monitor dispersion and breadth
P9004
Systematic
Taxable
USD
2025-10-21
1,835,809
86,948
1,748,861
1
62.7
31.9
0
5.3
VTI:33.9%;MSFT:32.1%;VNQ:33.9%
US:68.1;EU:10.8;APAC:10.7;EM:7.6;Other:2.9
Value:+0.4;Growth:+0.3;Quality:-0.9;Size:-0.6;Momentum:-0.6;LowVol:-0.8
MaxPos8%
10
35
5.6
trailing 8%
145
20.6
Volatile
26.2
4.9
4.1
133
38
68
72
true
Hedge
Buy index puts 1% notional
21
-26
BrokerC
VWAP
98
VAR>budget
TightenStops
Risk above budget threshold
-58
-46
-32
5
false
Tighten stops on momentum names
P9005
Systematic
Taxable
USD
2024-09-19
1,505,779
124,535
1,381,244
1
67.7
27.3
0
5
XLF:33.3%;VTI:33.3%;GLD:33.3%
US:60.2;EU:15.1;APAC:14.6;EM:6.3;Other:4.0
Value:+0.6;Growth:+0.4;Quality:+0.6;Size:-0.3;Momentum:-0.1;LowVol:-0.3
null
7
30
4.1
trailing 8%
160
16.6
Bull
17.6
3.69
2.8
92
81
92
65
true
Hedge
Buy index puts 1% notional
-11
-10
BrokerC
MKT
89
VAR>budget
TightenStops
Risk above budget threshold
39
-39
99
2
false
Tax-aware sells next window
P9006
Hands-off
Roth
USD
2025-02-08
621,932
33,892
588,040
1
65.6
17.8
11.6
5
BND:24.5%;QQQ:9.7%;MUB:24.5%;HYG:24.5%;GLD:16.9%
US:64.9;EU:14.6;APAC:10.9;EM:9.1;Other:0.5
Value:+0.9;Growth:+0.4;Quality:+0.3;Size:-0.3;Momentum:+0.3;LowVol:+0.6
null
8
30
3.2
trailing 8%
140
17.6
Volatile
30.6
5.25
4.1
159
57
74
81
true
Reduce
Cut high-beta by 2-3%, add cash
-3
10
BrokerA
VWAP
97
Drift>tolerance
Hedge
Allocation drift beyond policy bands
-18
-28
113
5
false
Monitor dispersion and breadth
P9007
Cautious
401k
USD
2025-04-09
211,619
17,775
193,844
1
52.4
36.8
0
10.8
IEF:25.9%;BND:25.9%;TSLA:22.3%;TLT:25.9%
US:65.8;EU:9.8;APAC:12.2;EM:10.1;Other:2.0
Value:+0.6;Growth:+0.9;Quality:+0.8;Size:+0.4;Momentum:+1.0;LowVol:-0.2
ESGOnly;MaxPos8%;NoMargin
10
35
3.6
trailing 8%
159
12.3
Volatile
23.9
4.62
3.3
113
43
63
49
false
Buy
Add to core equity +1%
-1
-10
BrokerC
LMT
96
null
null
Normal monitoring
61
-12
104
5
false
Tax-aware sells next window
P9008
Opportunistic
401k
USD
2024-11-06
1,582,206
62,387
1,519,819
1
70.4
10.9
11.3
7.4
GLD:25.0%;QQQ:25.0%;TSLA:25.0%;BND:25.0%
US:64.4;EU:15.4;APAC:7.7;EM:8.1;Other:4.4
Value:+0.4;Growth:-0.3;Quality:-0.5;Size:+0.5;Momentum:+0.2;LowVol:-0.6
MaxPos8%;NoDerivatives
6
35
4.9
hard 12%
209
21.4
Bear
26
4.04
2.5
202
-11
52
66
false
Buy
Add to core equity +1%
-4
13
BrokerA
LMT
91
null
null
Normal monitoring
-35
-27
-51
5
false
Tax-aware sells next window
P9009
Cautious
Trust
USD
2025-09-17
664,213
80,449
583,764
1
36.7
40
9.9
13.4
GLD:33.3%;AMZN:33.3%;VOO:33.3%
US:63.2;EU:16.9;APAC:15.3;EM:3.8;Other:0.8
Value:+0.4;Growth:-0.8;Quality:-0.8;Size:-0.2;Momentum:-0.9;LowVol:-0.5
ESGOnly;NoMargin
5
30
5.1
hard 10%
170
14.9
Bull
17.2
4.23
3.3
79
18
59
41
false
Rebalance
Shift +1% to bonds from equity
-11
-25
BrokerC
MKT
86
null
null
Normal monitoring
-44
-14
93
4
false
Within IPS guidelines
P9010
Hands-off
Taxable
USD
2025-06-05
219,372
21,397
197,975
1
60.4
27
3.4
9.3
XLF:33.3%;TLT:33.3%;MSFT:33.3%
US:70.9;EU:10.5;APAC:5.6;EM:9.8;Other:3.2
Value:+0.7;Growth:+0.6;Quality:-0.1;Size:+0.9;Momentum:-0.2;LowVol:+0.8
ESGOnly;MaxPos7%
7
35
5.1
trailing 8%
157
19.5
Sideways
21.3
4.05
3.2
106
11
47
65
true
Reduce
Cut high-beta by 2-3%, add cash
-1
-28
BrokerB
MKT
89
Drift>tolerance
Reduce
Allocation drift beyond policy bands
101
-15
202
4
false
Increase defensive factor exposure
P9011
Opportunistic
Taxable
USD
2024-12-06
1,423,886
63,103
1,360,783
1
70.9
19.5
3.1
6.4
IEF:17.8%;TLT:13.3%;MSFT:18.2%;BND:10.2%;GLD:20.4%;BRK.B:20.1%
US:63.8;EU:15.7;APAC:9.6;EM:6.3;Other:4.6
Value:-0.1;Growth:-0.1;Quality:+0.5;Size:-0.2;Momentum:+0.9;LowVol:-0.1
null
10
25
4.6
hard 12%
249
30.3
Bull
13.8
3.72
2.6
74
69
83
50
false
Rebalance
Shift +1% to bonds from equity
-2
0
BrokerB
VWAP
94
null
null
Normal monitoring
-9
-54
13
4
false
Tighten stops on momentum names
P9012
Cautious
Roth
USD
2025-05-14
833,685
106,975
726,710
1
54
34.1
1.6
10.3
HYG:28.6%;VTI:28.6%;QQQ:28.6%;AAPL:14.3%
US:67.7;EU:12.2;APAC:7.2;EM:10.2;Other:2.7
Value:+0.5;Growth:+0.1;Quality:-0.5;Size:+0.3;Momentum:+1.0;LowVol:-0.1
ESGOnly;NoMargin
5
25
5.3
hard 10%
156
14.9
Volatile
30.2
5.09
4.3
139
77
86
76
true
Hedge
Buy index puts 1% notional
20
-20
BrokerD
VWAP
97
Drift>tolerance
Pause
Allocation drift beyond policy bands
-15
15
81
4
false
Tax-aware sells next window
P9013
Cautious
Roth
USD
2024-12-20
890,047
101,416
788,631
1
40.2
33.5
15.1
11.3
TSLA:14.0%;TLT:16.8%;BRK.B:24.1%;IEF:21.0%;MUB:24.1%
US:72.2;EU:13.8;APAC:5.9;EM:7.2;Other:0.9
Value:+0.8;Growth:+0.9;Quality:+0.7;Size:-0.0;Momentum:+0.3;LowVol:+0.5
NoMargin
8
35
3.2
trailing 10%
96
15.6
Volatile
20.8
4.64
4.5
174
-7
49
37
false
Hedge
Add TLT +1% as duration hedge
-1
-35
BrokerB
MKT
100
null
null
Normal monitoring
6
-43
119
3
false
Monitor dispersion and breadth
P9014
Opportunistic
Roth
USD
2025-03-20
720,057
44,194
675,863
1
72.2
18.8
2.7
6.2
VTI:25.0%;VNQ:25.0%;HYG:25.0%;QQQ:25.0%
US:68.2;EU:17.1;APAC:9.5;EM:5.1;Other:0.2
Value:+0.7;Growth:+0.9;Quality:+0.8;Size:-0.0;Momentum:+1.0;LowVol:-0.8
MaxPos6%
10
35
6.8
trailing 9%
189
32.2
Bear
32.6
3.25
1.7
134
-11
42
96
true
Hedge
Buy index puts 1% notional
26
6
BrokerC
MKT
91
VAR>budget
Hedge
Risk above budget threshold
67
3
125
3
false
Within IPS guidelines
P9015
Hands-off
Taxable
USD
2025-06-25
648,491
63,175
585,316
1
64.9
25.8
2.1
7.2
TSLA:21.1%;BND:21.1%;VTI:14.4%;IEF:11.9%;VNQ:12.7%;GLD:18.7%
US:74.4;EU:8.0;APAC:10.5;EM:5.2;Other:1.9
Value:+0.5;Growth:+0.9;Quality:-0.6;Size:+0.2;Momentum:-0.1;LowVol:-0.8
ESGOnly;NoDerivatives
10
25
5.3
trailing 8%
95
14.3
Volatile
24.5
4.39
4.2
123
-26
31
72
true
Hedge
Buy index puts 1% notional
-11
-33
BrokerB
LMT
100
VAR>budget
Hedge
Risk above budget threshold
113
3
119
2
false
Tax-aware sells next window
P9016
Hands-off
Trust
USD
2025-01-14
386,433
27,666
358,767
1
57.6
27.3
7.3
7.8
TLT:22.7%;IEF:9.0%;QQQ:22.7%;BRK.B:11.9%;XLF:22.7%;VOO:11.0%
US:71.3;EU:5.6;APAC:9.9;EM:8.8;Other:4.4
Value:+0.2;Growth:-0.9;Quality:+0.9;Size:-0.4;Momentum:-0.6;LowVol:-0.8
null
10
35
3
trailing 8%
135
16.5
Volatile
21.1
4.61
2.7
115
-19
54
59
false
Rebalance
Shift +1% to bonds from equity
22
-31
BrokerC
MKT
99
null
null
Normal monitoring
115
-57
78
4
false
Tighten stops on momentum names
P9017
Cautious
Taxable
USD
2025-07-31
435,743
43,437
392,306
1
47.4
37.8
0
14.8
GLD:10.4%;VOO:15.6%;TLT:21.2%;VTI:17.9%;VNQ:15.8%;QQQ:19.1%
US:65.4;EU:16.9;APAC:9.0;EM:6.4;Other:2.3
Value:+0.6;Growth:+0.2;Quality:+0.4;Size:+0.7;Momentum:-0.5;LowVol:+0.6
MaxPos6%;NoMargin
8
35
3.6
trailing 8%
168
16.4
Bull
13.4
4.49
2.3
74
113
100
43
false
Rebalance
Shift +1% to bonds from equity
30
7
BrokerA
LMT
89
null
null
Normal monitoring
33
-15
4
4
false
Tax-aware sells next window
P9018
Cautious
IRA
USD
2025-07-05
883,961
82,167
801,794
1
38.3
34.5
12.9
14.3
BRK.B:18.7%;TLT:27.1%;AMZN:27.1%;HYG:27.1%
US:70.1;EU:10.6;APAC:5.2;EM:10.6;Other:3.5
Value:-1.0;Growth:+0.7;Quality:-0.0;Size:-0.8;Momentum:-0.7;LowVol:-0.1
MaxPos7%;NoDerivatives;NoMargin
8
30
4
trailing 10%
156
19.2
Bear
29
3.29
2.4
143
-29
40
52
false
Rebalance
Shift +1% to bonds from equity
1
-19
BrokerC
LMT
97
null
null
Normal monitoring
66
17
203
3
false
Monitor dispersion and breadth
P9019
Cautious
Taxable
USD
2025-01-03
573,878
70,104
503,774
1
45.7
33.6
7.8
13
IEF:16.8%;BND:14.4%;QQQ:20.3%;MUB:18.6%;AMZN:19.6%;BRK.B:10.4%
US:75.1;EU:11.5;APAC:5.9;EM:5.9;Other:1.7
Value:-0.1;Growth:+0.3;Quality:+0.1;Size:+0.2;Momentum:-0.1;LowVol:+0.1
ESGOnly;NoMargin
5
25
5.9
trailing 10%
111
17
Volatile
20.1
3.54
3.4
173
64
71
42
false
Rebalance
Shift +1% to bonds from equity
14
-30
BrokerD
LMT
88
null
null
Normal monitoring
101
7
159
3
false
Increase defensive factor exposure
P9020
Active
Taxable
USD
2024-10-07
1,068,384
99,387
968,997
1
54.2
20.7
16.8
8.3
VOO:25.0%;HYG:25.0%;BND:25.0%;VNQ:25.0%
US:60.1;EU:19.4;APAC:13.7;EM:6.3;Other:0.4
Value:+0.7;Growth:+0.6;Quality:+0.5;Size:+0.4;Momentum:-0.0;LowVol:+0.9
NoDerivatives
6
30
4.2
hard 12%
210
19.3
Bear
22.7
4.24
3
130
0
39
64
true
Reduce
Cut high-beta by 2-3%, add cash
5
9
BrokerA
MKT
100
Drift>tolerance
TightenStops
Allocation drift beyond policy bands
55
15
175
3
false
Tax-aware sells next window
P9021
Active
Trust
USD
2025-05-02
2,093,943
138,445
1,955,498
1.23
56.1
24.1
10.5
9.2
VOO:18.9%;VTI:27.0%;AAPL:27.0%;BND:27.0%
US:63.4;EU:18.3;APAC:8.8;EM:7.9;Other:1.6
Value:+0.4;Growth:-0.9;Quality:-0.2;Size:+1.0;Momentum:-1.0;LowVol:+0.4
NoDerivatives
10
30
5.6
trailing 9%
130
24.4
Sideways
18.1
3.98
2.3
126
40
64
41
false
NoAction
Within bands; monitor
10
3
BrokerC
MKT
0
null
null
Normal monitoring
32
-54
124
3
false
Monitor dispersion and breadth
P9022
Systematic
IRA
USD
2024-10-20
691,824
66,133
625,691
1
63.5
30
0
6.6
VTI:20.9%;XLF:9.9%;BRK.B:17.4%;MUB:20.9%;TSLA:10.0%;AAPL:20.9%
US:74.0;EU:7.5;APAC:7.6;EM:10.0;Other:0.9
Value:+0.4;Growth:-0.4;Quality:-0.9;Size:-0.8;Momentum:-0.4;LowVol:-0.6
null
5
35
5.4
hard 12%
153
21.8
Bull
15.4
4.75
3.5
103
59
94
39
false
Sell
Trim extended winner -1%
30
-28
BrokerA
LMT
95
null
null
Normal monitoring
114
-54
78
3
false
Tax-aware sells next window
P9023
Cautious
Trust
USD
2025-08-01
415,624
38,420
377,204
1
48.3
36
0
15.7
QQQ:33.3%;TSLA:33.3%;IEF:33.3%
US:69.0;EU:14.1;APAC:6.0;EM:9.4;Other:1.5
Value:-0.9;Growth:-0.8;Quality:+0.5;Size:-0.1;Momentum:+0.9;LowVol:+0.7
ESGOnly;NoMargin
6
35
4.2
trailing 10%
160
15.9
Volatile
27.9
5
3.2
157
-41
44
68
false
Buy
Add to core equity +1%
29
11
BrokerA
MKT
97
null
null
Normal monitoring
-29
-59
-44
5
false
Tax-aware sells next window
P9024
Cautious
Taxable
USD
2025-12-17
507,231
45,157
462,074
1
48.2
40.5
0
11.3
VOO:36.2%;GLD:36.2%;BRK.B:27.7%
US:70.9;EU:8.1;APAC:6.0;EM:11.4;Other:3.6
Value:+0.3;Growth:-0.5;Quality:-0.7;Size:-0.5;Momentum:+0.1;LowVol:+0.7
NoDerivatives;NoMargin
10
35
3.7
trailing 8%
113
13.3
Sideways
17.2
4.13
3.4
138
-6
57
50
false
Rebalance
Shift +1% to bonds from equity
20
-3
BrokerC
LMT
85
null
null
Normal monitoring
-8
-8
51
5
false
Increase defensive factor exposure
P9025
Opportunistic
Roth
USD
2024-10-16
635,558
54,227
581,331
1
63.5
13.1
18.2
5.1
QQQ:29.6%;AAPL:16.0%;VOO:29.6%;MUB:24.8%
US:71.5;EU:6.0;APAC:13.3;EM:6.9;Other:2.2
Value:+0.1;Growth:+0.1;Quality:-0.7;Size:+0.7;Momentum:-0.8;LowVol:+0.9
MaxPos7%
5
30
6.7
trailing 9%
272
24
Volatile
25.9
5.38
3.7
165
-47
23
69
false
Rebalance
Shift +1% to bonds from equity
7
-6
BrokerB
MKT
96
null
null
Normal monitoring
87
-19
141
3
false
Within IPS guidelines
P9026
Active
Trust
USD
2025-11-03
2,034,473
235,074
1,799,399
1
65.8
20.4
8.8
5.1
TSLA:20.4%;MSFT:13.9%;VOO:17.2%;GLD:19.9%;MUB:13.4%;TLT:15.2%
US:76.8;EU:11.8;APAC:5.2;EM:3.5;Other:2.6
Value:+0.1;Growth:-0.6;Quality:-0.9;Size:-0.5;Momentum:+0.6;LowVol:-0.1
MaxPos8%
5
25
5.5
trailing 9%
150
22.7
Bull
12.7
3.74
2.6
117
61
81
34
false
Buy
Add to core equity +1%
31
-40
BrokerB
LMT
86
null
null
Normal monitoring
83
-58
199
3
false
Tighten stops on momentum names
P9027
Systematic
Roth
USD
2025-06-23
639,191
53,871
585,320
1
57.4
32.8
3.7
6.2
TSLA:24.3%;IEF:17.8%;AMZN:13.7%;MSFT:24.3%;QQQ:19.9%
US:63.8;EU:16.0;APAC:9.1;EM:11.1;Other:0.1
Value:+0.7;Growth:-0.8;Quality:-0.8;Size:+0.9;Momentum:-0.5;LowVol:-0.8
null
5
30
5.7
trailing 9%
189
25.7
Bear
29.1
3.25
2.5
209
-102
10
64
false
Buy
Add to core equity +1%
-8
-10
BrokerB
LMT
87
null
null
Normal monitoring
109
-22
88
5
false
Increase defensive factor exposure
P9028
Cautious
Trust
USD
2025-05-19
405,055
56,032
349,023
1
49.4
39.1
1.3
10.2
IEF:17.7%;BRK.B:14.3%;VTI:13.5%;TLT:21.5%;AMZN:21.5%;TSLA:11.6%
US:77.3;EU:6.2;APAC:9.3;EM:3.3;Other:3.9
Value:-0.1;Growth:+0.7;Quality:+1.0;Size:-0.1;Momentum:+0.3;LowVol:+0.7
ESGOnly;MaxPos5%;NoMargin
10
35
4.6
trailing 10%
99
14.4
Volatile
22.6
4.29
4.4
160
-4
61
58
false
Rebalance
Shift +1% to bonds from equity
15
-22
BrokerC
MKT
95
null
null
Normal monitoring
67
15
139
3
false
Monitor dispersion and breadth
P9029
Cautious
Trust
USD
2025-07-19
152,554
18,550
134,004
1
40.6
35.2
14.2
10
XLF:23.4%;TSLA:23.4%;MSFT:16.3%;HYG:13.6%;VTI:23.4%
US:74.5;EU:10.6;APAC:6.8;EM:3.8;Other:4.3
Value:-0.2;Growth:+0.1;Quality:-0.9;Size:-0.4;Momentum:-0.0;LowVol:0.0
ESGOnly;MaxPos5%;NoDerivatives;NoMargin
7
30
5.6
trailing 8%
109
13.6
Bull
16.4
3.59
2.5
101
0
55
34
false
Hedge
Add TLT +1% as duration hedge
25
-23
BrokerC
VWAP
86
null
null
Normal monitoring
87
-16
114
3
false
Monitor dispersion and breadth
P9030
Hands-off
IRA
USD
2024-11-09
855,916
56,490
799,426
1
67.1
25.2
0.6
7
BRK.B:33.3%;MSFT:33.3%;GLD:33.3%
US:63.9;EU:15.5;APAC:8.2;EM:12.3;Other:0.2
Value:+0.9;Growth:-0.7;Quality:-0.7;Size:+0.9;Momentum:-0.1;LowVol:-0.3
MaxPos5%
8
25
5.4
trailing 10%
162
15
Sideways
20.2
4.73
2.5
120
47
67
51
false
Buy
Add to core equity +1%
8
-32
BrokerC
MKT
91
null
null
Normal monitoring
18
14
114
3
false
Tax-aware sells next window
P9031
Opportunistic
IRA
USD
2024-09-29
908,138
37,646
870,492
1.24
64.3
12.5
17.6
5.6
GLD:33.3%;TLT:33.3%;HYG:33.3%
US:69.1;EU:10.1;APAC:11.3;EM:6.9;Other:2.7
Value:-0.2;Growth:-0.9;Quality:-0.7;Size:-0.1;Momentum:+0.3;LowVol:+0.4
MaxPos8%;NoDerivatives
5
30
4.5
hard 12%
258
27.9
Bull
11.6
4.67
3.1
109
67
71
43
false
Rebalance
Shift +1% to bonds from equity
-13
11
BrokerA
LMT
88
null
null
Normal monitoring
91
-11
102
3
false
Tighten stops on momentum names
P9032
Cautious
Taxable
USD
2025-08-04
586,146
67,251
518,895
1
39
32.7
16.7
11.6
AAPL:21.9%;AMZN:20.1%;GLD:21.9%;VOO:18.8%;QQQ:17.3%
US:66.7;EU:11.3;APAC:9.7;EM:11.8;Other:0.5
Value:-0.1;Growth:+0.8;Quality:-0.6;Size:-0.2;Momentum:+0.8;LowVol:+0.8
NoDerivatives;NoMargin
8
25
6
trailing 8%
126
17.4
Bull
11.3
4.17
2.8
83
101
100
29
false
NoAction
Within bands; monitor
22
-8
BrokerD
MKT
0
null
null
Normal monitoring
39
7
152
5
false
Tax-aware sells next window
P9033
Active
IRA
USD
2024-09-01
757,649
72,116
685,533
1.11
60.4
31.3
0
8.3
IEF:23.2%;VNQ:23.3%;BND:23.3%;MSFT:19.1%;HYG:11.2%
US:67.8;EU:13.4;APAC:11.7;EM:6.8;Other:0.3
Value:-0.6;Growth:-0.4;Quality:-0.6;Size:+0.3;Momentum:+0.9;LowVol:+0.1
MaxPos6%
5
25
5.9
trailing 9%
197
19
Sideways
16.7
4.55
2
136
21
64
53
false
Rebalance
Shift +1% to bonds from equity
10
14
BrokerA
LMT
94
null
null
Normal monitoring
-30
9
98
3
false
Tighten stops on momentum names
P9034
Cautious
Taxable
USD
2025-07-07
186,972
19,637
167,335
1
44
43.1
0
12.9
VNQ:11.4%;BRK.B:9.9%;XLF:20.2%;AMZN:15.7%;TSLA:21.4%;MSFT:21.4%
US:71.2;EU:10.0;APAC:11.1;EM:6.9;Other:0.9
Value:+0.8;Growth:+0.3;Quality:+0.4;Size:-0.1;Momentum:-0.2;LowVol:+0.5
ESGOnly;MaxPos5%;NoDerivatives;NoMargin
10
35
5.1
hard 10%
166
12.1
Volatile
30.5
4.27
3.7
160
79
85
65
false
Rebalance
Shift +1% to bonds from equity
24
-32
BrokerB
LMT
95
null
null
Normal monitoring
98
3
157
3
false
Tighten stops on momentum names
P9035
Cautious
Taxable
USD
2025-05-04
831,096
122,025
709,071
1
48.7
34.6
3.4
13.3
MUB:22.6%;TSLA:27.9%;VTI:27.9%;AMZN:21.7%
US:68.8;EU:10.0;APAC:12.5;EM:8.1;Other:0.5
Value:+0.8;Growth:+0.1;Quality:+0.2;Size:0.0;Momentum:+0.1;LowVol:-0.1
NoDerivatives;NoMargin
7
25
4.6
hard 10%
168
18.7
Sideways
16.8
3.73
2.5
115
49
87
44
false
Buy
Add to core equity +1%
32
-39
BrokerA
MKT
85
null
null
Normal monitoring
43
-37
175
3
false
Increase defensive factor exposure
P9036
Opportunistic
Trust
USD
2024-12-03
656,602
58,701
597,901
1
69.2
18.7
7.2
5
XLF:20.1%;AAPL:22.7%;VOO:22.7%;QQQ:17.8%;BRK.B:16.7%
US:65.5;EU:17.3;APAC:14.0;EM:3.2;Other:0.1
Value:+0.2;Growth:+1.0;Quality:+0.9;Size:-0.9;Momentum:+0.4;LowVol:-0.6
null
5
30
5.3
hard 12%
174
21.5
Volatile
26.1
5
3.8
152
-35
35
68
false
Rebalance
Shift +1% to bonds from equity
15
4
BrokerA
MKT
91
null
null
Normal monitoring
54
-42
138
5
false
Increase defensive factor exposure
P9037
Systematic
Taxable
USD
2025-02-21
443,316
26,340
416,976
1
63.4
28.6
0
8
HYG:19.8%;TSLA:18.9%;BRK.B:13.9%;AMZN:23.7%;VOO:23.7%
US:62.1;EU:11.1;APAC:13.4;EM:10.5;Other:2.8
Value:-0.6;Growth:+0.7;Quality:-0.5;Size:+0.8;Momentum:+0.7;LowVol:+0.1
NoDerivatives
5
30
4.1
trailing 8%
131
20.3
Volatile
29.7
5.31
4
125
-58
30
81
true
Rebalance
Rebalance back to target bands
26
-9
BrokerB
LMT
96
Drift>tolerance
Reduce
Allocation drift beyond policy bands
49
-3
90
4
false
Within IPS guidelines
P9038
Hands-off
Trust
USD
2025-06-03
687,059
48,168
638,891
1
70.7
23.5
0
5.8
VNQ:15.1%;TSLA:25.8%;MUB:12.1%;GLD:21.3%;AMZN:25.8%
US:72.4;EU:7.2;APAC:9.8;EM:7.5;Other:3.2
Value:+0.1;Growth:-0.3;Quality:-0.9;Size:-0.8;Momentum:-0.6;LowVol:+0.2
ESGOnly;NoDerivatives
7
30
3.6
trailing 8%
147
16.5
Volatile
21
3.78
2.7
145
-9
45
74
true
Hedge
Buy index puts 1% notional
28
-22
BrokerA
LMT
86
Drift>tolerance
Reduce
Allocation drift beyond policy bands
16
-51
113
5
false
Increase defensive factor exposure
P9039
Cautious
Roth
USD
2024-07-31
473,946
55,299
418,647
1
42.4
30.3
15.1
12.1
XLF:17.3%;TLT:22.3%;BRK.B:16.6%;MSFT:9.2%;MUB:12.2%;VNQ:22.3%
US:58.8;EU:16.5;APAC:14.4;EM:7.6;Other:2.6
Value:+0.8;Growth:-0.9;Quality:-0.4;Size:+0.3;Momentum:+1.0;LowVol:-0.4
MaxPos5%;NoMargin
5
30
4.5
trailing 8%
120
13
Volatile
20.8
5.3
2.4
156
73
87
54
true
Reduce
Cut high-beta by 2-3%, add cash
29
-32
BrokerD
VWAP
91
RegimeShift
Reduce
Volatility spike and breadth deterioration
-18
-36
-52
5
false
Tighten stops on momentum names
P9040
Active
Roth
USD
2024-09-20
1,558,272
137,050
1,421,222
1
57.6
26.5
7
8.8
TSLA:26.1%;BND:9.6%;XLF:12.1%;VOO:26.1%;GLD:26.1%
US:77.7;EU:7.0;APAC:6.6;EM:4.3;Other:4.4
Value:-0.5;Growth:-0.1;Quality:+0.3;Size:-0.6;Momentum:-0.2;LowVol:+0.9
null
7
35
5.9
trailing 9%
161
16.7
Volatile
28.3
4.69
4.1
146
-31
40
67
false
NoAction
Within bands; monitor
1
13
BrokerB
LMT
93
null
null
Normal monitoring
116
-25
220
5
false
Within IPS guidelines
P9041
Hands-off
Trust
USD
2024-11-19
816,738
73,236
743,502
1
56.4
16.6
19.1
7.8
AAPL:14.3%;AMZN:22.0%;GLD:22.0%;XLF:19.8%;VNQ:22.0%
US:65.4;EU:7.6;APAC:13.5;EM:11.1;Other:2.4
Value:+0.5;Growth:-0.0;Quality:+0.9;Size:+0.9;Momentum:-0.1;LowVol:+0.9
MaxPos7%
7
35
3.8
trailing 10%
97
19.8
Sideways
21.9
3.96
2.8
116
-21
38
54
false
Rebalance
Shift +1% to bonds from equity
-2
-29
BrokerA
MKT
96
null
null
Normal monitoring
59
7
103
4
false
Tax-aware sells next window
P9042
Active
Roth
USD
2024-12-18
2,085,547
247,531
1,838,016
1
62.6
27.9
3
6.5
TLT:26.6%;VOO:26.6%;XLF:20.3%;IEF:26.6%
US:57.6;EU:14.9;APAC:14.9;EM:12.2;Other:0.4
Value:+0.6;Growth:-0.9;Quality:-0.2;Size:+1.0;Momentum:+0.3;LowVol:+0.6
null
10
30
5.5
trailing 8%
137
22.4
Sideways
15.4
4.14
2.7
124
35
78
41
false
Rebalance
Shift +1% to bonds from equity
12
-38
BrokerB
LMT
97
null
null
Normal monitoring
83
-16
172
5
false
Monitor dispersion and breadth
P9043
Systematic
IRA
USD
2024-08-08
1,762,260
120,795
1,641,465
1
64.9
22.1
6.2
6.8
MSFT:33.3%;QQQ:33.3%;AAPL:33.3%
US:67.2;EU:14.0;APAC:12.8;EM:4.3;Other:1.6
Value:-0.3;Growth:+0.6;Quality:-0.5;Size:+0.2;Momentum:-0.7;LowVol:+0.1
MaxPos6%
8
25
5.1
trailing 9%
163
21.7
Bull
11.7
3.85
3
71
62
90
36
false
NoAction
Within bands; monitor
6
-10
BrokerB
MKT
0
null
null
Normal monitoring
68
-34
167
5
false
Tighten stops on momentum names
P9044
Active
Roth
USD
2025-05-20
987,786
67,579
920,207
1
57.5
19.3
13.8
9.5
IEF:26.1%;BRK.B:26.1%;AMZN:26.1%;VOO:21.7%
US:72.3;EU:7.7;APAC:14.4;EM:5.3;Other:0.3
Value:+0.2;Growth:-0.5;Quality:+0.2;Size:+0.7;Momentum:-0.5;LowVol:+0.2
null
6
35
5.7
trailing 9%
193
22.4
Bull
13.5
4.9
2.5
93
102
100
49
false
Sell
Trim extended winner -1%
8
7
BrokerC
LMT
87
null
null
Normal monitoring
23
0
99
3
false
Monitor dispersion and breadth
P9045
Active
Roth
USD
2025-11-28
2,362,272
163,413
2,198,859
1
54
25.5
12.8
7.7
BND:33.3%;TLT:33.3%;VNQ:33.3%
US:65.0;EU:6.1;APAC:12.1;EM:11.9;Other:4.9
Value:+0.2;Growth:-0.5;Quality:-0.0;Size:+0.6;Momentum:-0.3;LowVol:+0.5
null
7
25
5
hard 12%
203
27.8
Sideways
18.5
3.98
2.1
126
-18
38
58
false
Sell
Trim extended winner -1%
-15
-16
BrokerC
LMT
95
null
null
Normal monitoring
118
-37
170
4
false
Tax-aware sells next window
P9046
Opportunistic
Roth
USD
2024-09-09
1,041,464
61,312
980,152
1
66.6
12.6
14.4
6.5
MSFT:12.4%;TSLA:17.6%;GLD:23.3%;VNQ:23.3%;BND:23.3%
US:73.7;EU:5.1;APAC:13.9;EM:5.0;Other:2.2
Value:-0.1;Growth:+0.4;Quality:-0.5;Size:0.0;Momentum:+0.2;LowVol:+0.9
MaxPos6%
6
25
5.2
hard 12%
206
22.7
Bear
26.1
4.02
2.7
161
-60
21
64
false
Rebalance
Shift +1% to bonds from equity
-10
6
BrokerA
VWAP
92
null
null
Normal monitoring
-5
16
106
3
false
Increase defensive factor exposure
P9047
Hands-off
401k
USD
2025-11-25
701,148
37,203
663,945
1
67.5
26.2
0
6.3
AAPL:21.3%;HYG:26.2%;XLF:26.2%;QQQ:26.2%
US:73.2;EU:10.2;APAC:7.0;EM:9.4;Other:0.2
Value:+0.8;Growth:+0.8;Quality:+0.1;Size:-0.8;Momentum:+0.8;LowVol:+0.6
NoDerivatives
7
30
3
hard 10%
139
14.2
Volatile
28.2
5.26
4
138
18
65
82
true
Hedge
Buy index puts 1% notional
-7
-35
BrokerA
LMT
88
VAR>budget
Hedge
Risk above budget threshold
70
-18
129
4
false
Within IPS guidelines
P9048
Active
Taxable
USD
2025-05-02
1,463,794
150,550
1,313,244
1
65.1
26.4
0
8.6
AMZN:21.9%;XLF:19.2%;VNQ:21.9%;IEF:15.2%;VTI:21.9%
US:72.8;EU:11.2;APAC:6.1;EM:5.0;Other:4.9
Value:-0.0;Growth:+0.7;Quality:-0.3;Size:-0.5;Momentum:+0.8;LowVol:+0.8
MaxPos7%
8
30
4.8
trailing 8%
138
24.1
Volatile
30.3
5.28
2.2
166
39
78
70
false
Sell
Trim extended winner -1%
-4
1
BrokerC
MKT
95
null
null
Normal monitoring
22
-41
-1
5
false
Tax-aware sells next window
P9049
Hands-off
IRA
USD
2025-12-23
170,771
7,472
163,299
1
59.5
29.3
3.8
7.3
MUB:19.0%;AMZN:14.1%;TLT:22.3%;XLF:22.3%;QQQ:22.3%
US:74.1;EU:5.8;APAC:8.8;EM:9.7;Other:1.6
Value:-0.4;Growth:+0.8;Quality:-0.9;Size:+0.7;Momentum:+0.7;LowVol:+0.3
MaxPos6%
10
30
5.6
trailing 8%
105
12.4
Volatile
23.2
4.84
3.7
174
52
72
65
false
Sell
Trim extended winner -1%
-12
11
BrokerC
LMT
87
null
null
Normal monitoring
20
-44
97
4
false
Tax-aware sells next window
P9050
Cautious
Trust
USD
2025-01-21
796,348
65,229
731,119
1
41.3
39.5
1.6
17.6
QQQ:34.7%;VOO:34.7%;VTI:30.7%
US:69.5;EU:14.5;APAC:7.2;EM:6.2;Other:2.7
Value:+0.7;Growth:-0.5;Quality:-0.7;Size:+0.8;Momentum:0.0;LowVol:+0.6
ESGOnly;MaxPos5%;NoMargin
6
25
5
trailing 8%
129
18
Bull
12.1
4.45
3.2
75
88
94
27
false
Buy
Add to core equity +1%
-5
-28
BrokerD
LMT
90
null
null
Normal monitoring
116
15
223
3
false
Within IPS guidelines
P9051
Systematic
Taxable
USD
2025-08-16
838,976
33,610
805,366
1
55.2
29.1
7.3
8.4
AMZN:7.3%;BRK.B:21.1%;VNQ:18.4%;XLF:14.4%;MSFT:17.7%;TSLA:21.1%
US:65.4;EU:11.1;APAC:12.3;EM:10.5;Other:0.7
Value:-0.3;Growth:-0.1;Quality:+0.5;Size:+0.7;Momentum:-0.4;LowVol:+0.9
MaxPos8%;NoDerivatives
10
25
4.8
hard 12%
187
20.8
Bull
11.7
3.71
2.3
96
29
70
27
false
Buy
Add to core equity +1%
5
-7
BrokerB
LMT
98
null
null
Normal monitoring
-3
-32
53
3
false
Tighten stops on momentum names
P9052
Cautious
Taxable
USD
2025-10-21
608,411
62,149
546,262
1
49.3
34.6
1.9
14.2
GLD:14.9%;IEF:28.4%;AAPL:28.4%;BND:28.4%
US:70.5;EU:16.4;APAC:6.3;EM:5.0;Other:1.9
Value:+0.4;Growth:+0.6;Quality:-0.3;Size:+0.2;Momentum:-0.9;LowVol:-0.8
NoMargin
10
35
4.9
trailing 8%
112
15.9
Bull
12.5
4.65
2.6
100
34
74
33
false
Rebalance
Shift +1% to bonds from equity
-4
2
BrokerC
LMT
99
null
null
Normal monitoring
82
-30
154
5
false
Increase defensive factor exposure
P9053
Active
IRA
USD
2025-10-17
2,334,485
216,810
2,117,675
1.15
59.1
24.5
9.5
6.8
IEF:29.5%;VOO:19.1%;MSFT:29.5%;BRK.B:21.9%
US:73.0;EU:9.3;APAC:10.8;EM:6.2;Other:0.7
Value:-0.2;Growth:+0.5;Quality:-0.1;Size:+0.7;Momentum:-0.9;LowVol:0.0
MaxPos7%
7
30
4.1
trailing 9%
213
25.3
Volatile
26
4.34
3.7
152
-42
25
77
true
Reduce
Cut high-beta by 2-3%, add cash
22
-24
BrokerB
MKT
96
VAR>budget
Hedge
Risk above budget threshold
48
-30
73
5
false
Increase defensive factor exposure
P9054
Hands-off
Trust
USD
2025-11-18
775,703
51,665
724,038
1
69.4
19.5
1.8
9.4
MSFT:22.2%;BRK.B:19.1%;VOO:9.1%;XLF:22.2%;VTI:13.9%;GLD:13.5%
US:64.7;EU:14.6;APAC:10.0;EM:5.9;Other:4.7
Value:-0.3;Growth:+0.5;Quality:-0.5;Size:+1.0;Momentum:0.0;LowVol:+0.8
ESGOnly;MaxPos5%
10
30
4.3
hard 10%
169
17.7
Bear
26.9
3.03
1.6
183
-104
5
75
true
Reduce
Cut high-beta by 2-3%, add cash
20
9
BrokerB
MKT
94
VAR>budget
Reduce
Risk above budget threshold
46
-35
161
3
false
Tighten stops on momentum names
P9055
Systematic
401k
USD
2024-10-23
644,026
57,687
586,339
1
61.5
32.9
0
5.6
MSFT:14.3%;HYG:11.1%;IEF:24.9%;AMZN:24.9%;VTI:24.9%
US:60.9;EU:14.4;APAC:11.0;EM:10.9;Other:2.9
Value:-0.2;Growth:-0.1;Quality:-0.6;Size:-1.0;Momentum:-0.3;LowVol:-0.1
MaxPos6%
7
35
4
trailing 9%
145
27.3
Volatile
23.4
4.36
3
111
30
72
69
false
Rebalance
Shift +1% to bonds from equity
-11
-39
BrokerD
VWAP
95
null
null
Normal monitoring
-7
-31
110
3
false
Tighten stops on momentum names
P9056
Active
Taxable
USD
2025-02-28
2,276,433
248,666
2,027,767
1.07
58.8
21.4
14.7
5.2
BND:33.3%;VOO:33.3%;BRK.B:33.3%
US:67.4;EU:16.3;APAC:10.9;EM:3.5;Other:2.0
Value:+0.7;Growth:+0.4;Quality:-0.6;Size:+0.9;Momentum:0.0;LowVol:+0.8
null
10
30
5.1
trailing 8%
142
19
Bull
16.7
4.11
3.4
93
67
93
58
false
Rebalance
Shift +1% to bonds from equity
18
-33
BrokerB
MKT
88
null
null
Normal monitoring
63
4
37
5
false
Increase defensive factor exposure
P9057
Systematic
IRA
USD
2025-09-04
775,960
63,869
712,091
1
58.3
22.3
13.6
5.7
TSLA:33.3%;HYG:33.3%;MSFT:33.3%
US:60.0;EU:20.2;APAC:12.4;EM:6.8;Other:0.6
Value:-0.7;Growth:+0.2;Quality:-0.9;Size:-0.4;Momentum:+0.4;LowVol:+0.2
MaxPos6%
10
30
5.3
trailing 9%
195
20.5
Bull
14.8
3.85
2.6
78
73
96
49
false
Sell
Trim extended winner -1%
21
-1
BrokerD
LMT
85
null
null
Normal monitoring
20
2
97
3
false
Within IPS guidelines
P9058
Hands-off
Taxable
USD
2025-10-26
314,296
27,067
287,229
1
72.9
16.4
5.5
5.2
VTI:16.9%;MSFT:22.1%;AAPL:18.4%;TSLA:20.4%;AMZN:22.1%
US:65.0;EU:13.4;APAC:8.5;EM:10.2;Other:2.9
Value:-0.6;Growth:+0.4;Quality:+0.9;Size:-0.5;Momentum:+0.2;LowVol:-0.1
ESGOnly;NoDerivatives
6
30
5.2
hard 10%
106
16.4
Bull
17.4
4.96
3
112
98
87
61
false
Rebalance
Shift +1% to bonds from equity
34
-32
BrokerB
MKT
97
null
null
Normal monitoring
3
-40
122
3
false
Tighten stops on momentum names
P9059
Systematic
Trust
USD
2025-03-08
1,797,079
130,569
1,666,510
1
57
32.6
1.2
9.2
TSLA:21.2%;VOO:21.2%;VTI:11.3%;HYG:15.2%;MSFT:9.8%;BND:21.2%
US:67.8;EU:16.0;APAC:11.7;EM:4.4;Other:0.1
Value:-0.2;Growth:-0.7;Quality:-0.8;Size:+0.8;Momentum:-0.7;LowVol:+0.9
null
6
25
4.4
trailing 9%
156
27.1
Bull
14.5
4.68
2.9
99
118
100
44
false
Sell
Trim extended winner -1%
2
5
BrokerA
VWAP
100
null
null
Normal monitoring
-4
-57
82
3
false
Tighten stops on momentum names
P9060
Hands-off
IRA
USD
2024-09-06
703,516
36,847
666,669
1
73.6
16.3
2.1
8
BND:19.5%;VNQ:21.9%;VTI:9.7%;BRK.B:18.3%;VOO:16.8%;QQQ:13.6%
US:70.8;EU:9.0;APAC:10.8;EM:5.6;Other:3.8
Value:-0.2;Growth:+0.7;Quality:+0.4;Size:+0.9;Momentum:+0.3;LowVol:-0.6
NoDerivatives
10
35
5
hard 10%
127
16.6
Bull
16.2
4.58
3.4
97
83
100
65
false
Sell
Trim extended winner -1%
7
12
BrokerA
LMT
90
null
null
Normal monitoring
82
16
115
5
false
Increase defensive factor exposure
P9061
Cautious
Roth
USD
2025-03-11
526,531
56,377
470,154
1
43.1
30.5
12.2
14.2
AAPL:33.3%;AMZN:33.3%;GLD:33.3%
US:61.5;EU:13.9;APAC:9.0;EM:13.2;Other:2.4
Value:+0.1;Growth:-0.8;Quality:+0.4;Size:-0.5;Momentum:-0.9;LowVol:-0.4
ESGOnly;NoDerivatives;NoMargin
5
30
3.6
trailing 8%
131
16.1
Volatile
23.1
5.24
3.3
160
61
80
60
false
Buy
Add to core equity +1%
20
-31
BrokerB
MKT
86
null
null
Normal monitoring
56
-60
178
4
false
Tighten stops on momentum names
P9062
Active
Roth
USD
2025-04-01
2,254,771
220,183
2,034,588
1
57.6
21.8
14.1
6.5
IEF:27.6%;TSLA:22.7%;VOO:27.6%;GLD:22.0%
US:68.4;EU:10.4;APAC:12.7;EM:4.5;Other:4.0
Value:+0.7;Growth:+0.3;Quality:-0.8;Size:-0.8;Momentum:-0.5;LowVol:-0.1
null
5
25
4.1
trailing 8%
150
25.1
Bull
16.8
3.56
2.7
76
22
65
43
false
Rebalance
Shift +1% to bonds from equity
-14
-5
BrokerC
MKT
98
null
null
Normal monitoring
35
5
147
5
false
Increase defensive factor exposure
P9063
Systematic
401k
USD
2025-01-18
1,503,456
85,573
1,417,883
1
65.5
26.9
0
7.6
HYG:25.0%;VTI:25.0%;VNQ:25.0%;MSFT:25.0%
US:67.3;EU:14.5;APAC:10.4;EM:4.4;Other:3.3
Value:-0.8;Growth:+0.4;Quality:-0.2;Size:-0.6;Momentum:-0.3;LowVol:-0.5
MaxPos8%
10
35
5.9
hard 12%
128
19.4
Volatile
23.1
4.1
3.2
171
-15
28
72
true
Reduce
Cut high-beta by 2-3%, add cash
12
-5
BrokerB
LMT
94
Drift>tolerance
Hedge
Allocation drift beyond policy bands
0
2
106
2
false
Monitor dispersion and breadth
P9064
Active
Roth
USD
2025-02-24
2,383,459
227,255
2,156,204
1
62.8
19.9
7.9
9.4
QQQ:15.0%;XLF:20.3%;BND:22.2%;BRK.B:20.4%;AAPL:22.2%
US:65.9;EU:11.6;APAC:12.6;EM:9.9;Other:0.1
Value:-0.4;Growth:+0.3;Quality:+0.3;Size:+0.3;Momentum:-1.0;LowVol:-0.1
null
7
25
4.5
trailing 8%
202
22.3
Volatile
24.2
4.2
3.7
145
73
78
70
false
Sell
Trim extended winner -1%
26
10
BrokerC
VWAP
98
null
null
Normal monitoring
9
-6
120
4
false
Increase defensive factor exposure
P9065
Hands-off
401k
USD
2025-05-24
346,936
32,606
314,330
1
62.9
22
8.8
6.4
AAPL:26.9%;VOO:26.9%;IEF:26.9%;XLF:19.4%
US:73.9;EU:9.4;APAC:10.7;EM:3.2;Other:2.8
Value:+0.1;Growth:-0.2;Quality:-0.8;Size:+0.2;Momentum:+0.3;LowVol:-0.4
ESGOnly
6
35
6
trailing 8%
111
18.8
Bull
17.1
4.89
3.2
108
19
59
48
false
Rebalance
Shift +1% to bonds from equity
22
-36
BrokerC
MKT
87
null
null
Normal monitoring
-36
-42
35
3
false
Tax-aware sells next window
P9066
Active
Taxable
USD
2025-08-07
2,298,577
273,418
2,025,159
1.22
51.3
23.3
17.9
7.4
IEF:27.1%;VNQ:27.1%;AAPL:27.1%;XLF:18.8%
US:57.8;EU:20.7;APAC:10.3;EM:10.1;Other:1.1
Value:-0.0;Growth:-0.0;Quality:-0.9;Size:+0.8;Momentum:-0.5;LowVol:+0.7
null
5
30
4.1
hard 12%
157
16.1
Bull
13.6
3.64
2.2
71
36
62
36
false
Buy
Add to core equity +1%
3
-5
BrokerB
MKT
86
null
null
Normal monitoring
-34
-35
80
3
false
Monitor dispersion and breadth
P9067
Hands-off
Taxable
USD
2024-08-15
637,067
40,395
596,672
1
63
27
1.6
8.3
VNQ:33.3%;GLD:33.3%;QQQ:33.3%
US:64.6;EU:10.6;APAC:10.3;EM:10.1;Other:4.3
Value:-0.9;Growth:-0.8;Quality:-0.6;Size:+0.7;Momentum:+0.6;LowVol:+0.5
null
7
30
5.4
trailing 8%
121
18
Bull
12.6
3.53
2.4
75
46
77
50
false
Rebalance
Shift +1% to bonds from equity
29
9
BrokerC
MKT
86
null
null
Normal monitoring
-12
-25
34
3
false
Tax-aware sells next window
P9068
Active
401k
USD
2025-04-10
2,066,589
215,336
1,851,253
1
50.5
24
15.9
9.5
BND:26.6%;IEF:26.6%;VTI:26.6%;AMZN:20.1%
US:68.6;EU:6.7;APAC:10.0;EM:14.6;Other:0.1
Value:-0.7;Growth:-0.1;Quality:+1.0;Size:-0.9;Momentum:+0.7;LowVol:+0.9
null
6
30
5
hard 12%
129
19.3
Bull
17.3
4.21
3.4
93
13
63
49
false
NoAction
Within bands; monitor
27
10
BrokerD
MKT
0
null
null
Normal monitoring
81
-2
80
4
false
Monitor dispersion and breadth
P9069
Hands-off
Taxable
USD
2024-08-28
699,218
50,500
648,718
1
63.5
18.2
11.1
7.2
BRK.B:22.9%;HYG:22.9%;AAPL:17.7%;VTI:22.9%;MUB:13.7%
US:65.8;EU:11.4;APAC:11.1;EM:8.5;Other:3.2
Value:-1.0;Growth:-0.4;Quality:-0.5;Size:-0.4;Momentum:-1.0;LowVol:+0.8
MaxPos5%
6
35
5.8
trailing 10%
164
15.1
Volatile
31.5
4.26
4.3
129
-19
34
83
true
Hedge
Buy index puts 1% notional
12
-28
BrokerD
MKT
97
Drift>tolerance
Pause
Allocation drift beyond policy bands
-26
-36
-65
2
true
Increase defensive factor exposure
P9070
Active
Trust
USD
2025-07-21
1,547,737
180,249
1,367,488
1.23
60.9
29.3
0.7
9.1
BND:23.4%;VOO:13.0%;XLF:20.0%;VTI:20.2%;BRK.B:23.4%
US:63.9;EU:16.8;APAC:10.6;EM:8.0;Other:0.7
Value:+0.8;Growth:-0.8;Quality:0.0;Size:-0.6;Momentum:+0.9;LowVol:+0.6
null
10
35
5
trailing 8%
197
20
Bull
16.7
4.41
2.9
79
57
71
51
false
Hedge
Add TLT +1% as duration hedge
28
-15
BrokerD
LMT
90
null
null
Normal monitoring
11
-28
-1
4
false
Increase defensive factor exposure
P9071
Systematic
401k
USD
2025-07-11
1,020,865
79,694
941,171
1
64.6
22.9
3.9
8.5
QQQ:21.4%;AAPL:18.3%;MUB:21.4%;IEF:17.6%;HYG:21.4%
US:71.2;EU:6.2;APAC:11.3;EM:10.7;Other:0.6
Value:+0.5;Growth:+0.8;Quality:+0.2;Size:-1.0;Momentum:-0.1;LowVol:+0.8
NoDerivatives
6
30
4.5
hard 12%
150
24.6
Bear
29.6
3.9
1.7
193
40
71
68
true
Reduce
Cut high-beta by 2-3%, add cash
-15
-10
BrokerC
LMT
99
Drift>tolerance
Reduce
Allocation drift beyond policy bands
13
4
36
2
false
Monitor dispersion and breadth
P9072
Active
401k
USD
2025-09-07
1,670,961
155,951
1,515,010
1
62.1
18.2
12.6
7.1
TSLA:21.5%;MUB:19.1%;VNQ:21.5%;HYG:20.7%;VOO:17.3%
US:65.3;EU:10.1;APAC:11.5;EM:9.6;Other:3.6
Value:-0.1;Growth:+0.7;Quality:+0.4;Size:-0.1;Momentum:+0.9;LowVol:+0.3
MaxPos5%;NoDerivatives
6
25
5.7
trailing 8%
206
24.5
Volatile
22.9
5.1
2.7
147
22
46
61
false
Rebalance
Shift +1% to bonds from equity
3
9
BrokerB
MKT
97
null
null
Normal monitoring
71
-46
108
3
false
Monitor dispersion and breadth
P9073
Hands-off
Taxable
USD
2024-09-26
697,493
37,362
660,131
1
65.7
25.2
0
9.1
VTI:33.3%;TLT:33.3%;TSLA:33.3%
US:70.3;EU:9.0;APAC:7.9;EM:8.1;Other:4.7
Value:-0.3;Growth:+0.9;Quality:-0.9;Size:+0.9;Momentum:-0.8;LowVol:+1.0
null
6
30
5.4
hard 10%
115
16.3
Bull
13.6
4.96
3.4
106
13
52
41
false
Rebalance
Shift +1% to bonds from equity
26
-37
BrokerD
MKT
93
null
null
Normal monitoring
118
-6
129
4
false
Tax-aware sells next window
P9074
Hands-off
IRA
USD
2025-01-14
361,640
29,267
332,373
1
70.6
20.9
0
8.5
MUB:35.2%;AMZN:35.2%;GLD:29.7%
US:63.0;EU:15.7;APAC:10.9;EM:9.8;Other:0.6
Value:-0.3;Growth:+0.9;Quality:-0.9;Size:-0.1;Momentum:+0.3;LowVol:+0.8
ESGOnly;MaxPos8%
6
30
5.2
hard 10%
112
16.7
Bull
17.4
4.21
3
93
96
86
60
true
Hedge
Buy index puts 1% notional
0
-38
BrokerA
LMT
89
VAR>budget
Reduce
Risk above budget threshold
98
-28
66
5
true
Tighten stops on momentum names
P9075
Cautious
IRA
USD
2024-11-04
511,619
70,617
441,002
1
39.9
37.2
9.9
12.9
BRK.B:33.3%;VOO:33.3%;BND:33.3%
US:61.2;EU:14.9;APAC:11.6;EM:10.8;Other:1.5
Value:+0.7;Growth:-1.0;Quality:+0.8;Size:+0.4;Momentum:-0.8;LowVol:+0.4
MaxPos8%;NoMargin
10
25
5.4
trailing 10%
167
18.9
Sideways
18
4.19
2.5
136
54
92
46
false
Sell
Trim extended winner -1%
-4
-22
BrokerB
LMT
86
null
null
Normal monitoring
41
-23
127
3
false
Within IPS guidelines
P9076
Opportunistic
Trust
USD
2024-12-20
754,192
47,463
706,729
1
62.5
20.4
10.7
6.5
MUB:33.7%;TSLA:32.6%;TLT:33.7%
US:73.9;EU:15.4;APAC:5.0;EM:4.3;Other:1.4
Value:+0.2;Growth:+0.8;Quality:0.0;Size:+0.9;Momentum:-0.1;LowVol:-0.6
MaxPos8%
5
25
5.2
hard 12%
224
32.5
Sideways
18.3
4.11
3.5
112
-21
27
59
false
Buy
Add to core equity +1%
-6
-29
BrokerB
MKT
90
null
null
Normal monitoring
101
16
139
3
false
Monitor dispersion and breadth
P9077
Opportunistic
Taxable
USD
2025-06-15
529,792
43,847
485,945
1
61.4
22
7.7
8.8
BRK.B:34.6%;HYG:30.8%;VTI:34.6%
US:65.4;EU:15.8;APAC:11.1;EM:5.3;Other:2.5
Value:+0.9;Growth:-0.2;Quality:+0.8;Size:+0.5;Momentum:-1.0;LowVol:+0.5
null
8
30
6.7
trailing 7%
212
21.8
Volatile
30.5
5.07
3.9
172
-58
36
75
true
Hedge
Buy index puts 1% notional
17
6
BrokerB
LMT
88
RegimeShift
Hedge
Volatility spike and breadth deterioration
-9
-34
104
5
false
Monitor dispersion and breadth
P9078
Cautious
Taxable
USD
2025-08-04
251,852
36,811
215,041
1
53.4
35.4
0
11.2
IEF:21.3%;HYG:21.3%;TSLA:8.4%;TLT:21.3%;MSFT:13.0%;XLF:14.8%
US:58.4;EU:11.6;APAC:15.3;EM:10.2;Other:4.4
Value:+0.5;Growth:+0.8;Quality:-0.1;Size:+0.6;Momentum:-0.1;LowVol:+0.9
NoMargin
6
35
3.1
hard 10%
102
18.6
Bull
17
4.59
3.3
83
24
50
47
false
NoAction
Within bands; monitor
3
4
BrokerD
LMT
92
null
null
Normal monitoring
5
13
31
5
false
Increase defensive factor exposure
P9079
Opportunistic
Taxable
USD
2025-08-02
1,056,671
34,657
1,022,014
1
61.7
13.3
16.7
8.3
MSFT:35.1%;GLD:35.1%;MUB:29.7%
US:63.1;EU:16.6;APAC:9.8;EM:8.1;Other:2.4
Value:0.0;Growth:-0.0;Quality:+0.1;Size:-0.8;Momentum:-0.3;LowVol:+0.9
NoDerivatives
5
30
5.5
trailing 9%
275
27.2
Volatile
21.7
5.28
3.9
139
-2
60
52
false
Rebalance
Shift +1% to bonds from equity
20
0
BrokerA
MKT
96
null
null
Normal monitoring
-19
-42
59
4
false
Increase defensive factor exposure
P9080
Active
Taxable
USD
2025-10-06
1,591,225
164,276
1,426,949
1
53.7
23.2
15.9
7.3
GLD:33.3%;BND:33.3%;XLF:33.3%
US:64.0;EU:14.5;APAC:11.3;EM:8.1;Other:2.1
Value:+0.4;Growth:-0.1;Quality:+1.0;Size:+0.6;Momentum:+0.9;LowVol:+0.2
MaxPos7%
5
35
5.6
trailing 8%
172
18.9
Sideways
20.1
4.54
2.3
108
12
57
53
false
Sell
Trim extended winner -1%
-3
5
BrokerD
LMT
99
null
null
Normal monitoring
-6
-32
-27
3
false
Increase defensive factor exposure
P9081
Active
IRA
USD
2025-02-19
999,113
90,426
908,687
1
57.3
18
16.4
8.3
TLT:23.9%;TSLA:23.9%;BND:10.5%;VTI:22.8%;VNQ:18.9%
US:71.9;EU:18.6;APAC:5.1;EM:3.0;Other:1.4
Value:-0.8;Growth:+0.8;Quality:0.0;Size:+0.4;Momentum:+0.3;LowVol:-0.4
MaxPos5%;NoDerivatives
10
25
5.3
trailing 9%
144
24.1
Sideways
21.7
4.32
2.8
140
30
61
56
false
Rebalance
Shift +1% to bonds from equity
19
2
BrokerA
VWAP
90
null
null
Normal monitoring
59
-35
101
4
false
Monitor dispersion and breadth
P9082
Opportunistic
IRA
USD
2025-11-11
1,083,143
73,175
1,009,968
1
61.3
17.7
13
8
BND:12.3%;GLD:10.8%;VOO:21.0%;BRK.B:20.4%;TLT:14.6%;HYG:21.0%
US:64.3;EU:17.9;APAC:10.7;EM:5.3;Other:1.8
Value:-0.2;Growth:+0.2;Quality:+0.9;Size:-0.0;Momentum:-0.7;LowVol:-0.2
NoDerivatives
5
30
4.1
hard 12%
195
21.9
Sideways
18.1
4.71
3.4
99
-16
37
54
false
Buy
Add to core equity +1%
33
-32
BrokerC
MKT
100
null
null
Normal monitoring
81
0
221
4
false
Tax-aware sells next window
P9083
Opportunistic
IRA
USD
2025-10-18
852,814
67,395
785,419
1
67.5
16.7
9.8
6
XLF:22.4%;VOO:20.3%;GLD:22.4%;BRK.B:13.6%;TLT:21.4%
US:68.0;EU:13.2;APAC:7.5;EM:9.9;Other:1.5
Value:+0.2;Growth:-0.1;Quality:-0.5;Size:-0.4;Momentum:-0.7;LowVol:+0.7
MaxPos8%
10
35
4.8
trailing 9%
273
22.1
Sideways
14.1
4.39
3.1
97
-3
40
54
false
Rebalance
Shift +1% to bonds from equity
19
-18
BrokerC
MKT
99
null
null
Normal monitoring
-35
-24
43
3
false
Within IPS guidelines
P9084
Active
401k
USD
2025-05-03
1,551,614
178,376
1,373,238
1
67.8
19
7.2
6
TLT:22.2%;BRK.B:23.1%;MUB:27.4%;HYG:27.4%
US:68.2;EU:9.8;APAC:12.4;EM:6.0;Other:3.5
Value:-0.8;Growth:-0.0;Quality:-0.3;Size:+1.0;Momentum:-0.1;LowVol:-0.3
MaxPos8%;NoDerivatives
6
30
4.9
hard 12%
226
27.6
Bull
14.4
3.83
2.3
113
70
83
56
false
Rebalance
Shift +1% to bonds from equity
-4
-16
BrokerC
VWAP
100
null
null
Normal monitoring
-58
-46
-95
4
false
Within IPS guidelines
P9085
Opportunistic
Roth
USD
2024-10-13
1,061,398
88,399
972,999
1
61.2
20.2
13.3
5.2
BND:22.8%;HYG:17.7%;QQQ:18.7%;AAPL:22.8%;MSFT:18.1%
US:59.6;EU:19.3;APAC:9.0;EM:11.7;Other:0.5
Value:+0.3;Growth:+0.2;Quality:+0.2;Size:-0.2;Momentum:-0.0;LowVol:+0.5
MaxPos8%
7
35
4.5
trailing 7%
222
32.2
Bull
16.7
3.73
3.2
101
37
72
60
false
Sell
Trim extended winner -1%
31
-1
BrokerB
LMT
94
null
null
Normal monitoring
67
-14
126
3
false
Increase defensive factor exposure
P9086
Opportunistic
Roth
USD
2024-07-15
723,801
31,359
692,442
1
63.6
20.5
11.4
4.5
BRK.B:19.7%;AMZN:9.8%;TSLA:20.4%;VTI:20.4%;BND:12.6%;VOO:17.1%
US:65.2;EU:11.7;APAC:11.8;EM:8.8;Other:2.5
Value:+0.9;Growth:-0.3;Quality:+0.6;Size:-0.8;Momentum:+0.2;LowVol:-0.8
null
8
25
6.1
trailing 7%
217
34.1
Sideways
14.3
4.91
2.7
127
-30
34
47
false
Sell
Trim extended winner -1%
7
-27
BrokerA
LMT
98
null
null
Normal monitoring
35
-27
83
4
false
Within IPS guidelines
P9087
Cautious
Taxable
USD
2025-08-09
731,355
92,233
639,122
1
46.8
30.5
12.3
10.4
AAPL:33.3%;MUB:33.3%;VTI:33.3%
US:64.0;EU:12.9;APAC:14.0;EM:7.3;Other:1.7
Value:-0.5;Growth:+0.9;Quality:+0.5;Size:-0.0;Momentum:-0.2;LowVol:0.0
ESGOnly;MaxPos5%;NoMargin
6
35
4.8
trailing 10%
94
18.4
Bull
11.2
4.25
2.3
101
25
66
22
false
Buy
Add to core equity +1%
3
11
BrokerD
MKT
92
null
null
Normal monitoring
-1
14
122
3
false
Tighten stops on momentum names
P9088
Cautious
401k
USD
2024-12-08
492,269
73,531
418,738
1
42.6
33.1
8.4
16
MSFT:34.8%;TSLA:30.4%;AAPL:34.8%
US:66.8;EU:12.7;APAC:7.0;EM:11.3;Other:2.3
Value:+0.8;Growth:+0.8;Quality:+0.2;Size:-0.7;Momentum:+0.1;LowVol:-0.4
MaxPos5%;NoMargin
10
25
3.4
hard 10%
161
17.1
Bull
13.3
4.33
2.5
71
108
100
40
false
Rebalance
Shift +1% to bonds from equity
1
-28
BrokerB
LMT
87
null
null
Normal monitoring
38
-44
22
3
false
Within IPS guidelines
P9089
Hands-off
Roth
USD
2025-07-26
754,769
39,613
715,156
1
60
16.7
13.7
9.5
XLF:28.8%;TLT:28.8%;AAPL:28.8%;AMZN:13.6%
US:60.6;EU:13.7;APAC:15.7;EM:5.8;Other:4.2
Value:+0.7;Growth:-0.2;Quality:0.0;Size:-0.2;Momentum:-0.3;LowVol:+0.7
ESGOnly;MaxPos7%
8
25
3.3
hard 10%
119
19.9
Bull
14
4.81
3
110
102
100
41
false
Buy
Add to core equity +1%
31
-40
BrokerC
MKT
87
null
null
Normal monitoring
76
-15
58
4
false
Within IPS guidelines
P9090
Cautious
Taxable
USD
2025-08-22
692,533
56,669
635,864
1
47
38.8
0
14.2
BRK.B:15.0%;MUB:19.0%;TLT:20.1%;HYG:16.1%;GLD:11.3%;BND:18.4%
US:61.7;EU:17.5;APAC:12.9;EM:7.6;Other:0.3
Value:-0.7;Growth:-0.4;Quality:+0.9;Size:-0.2;Momentum:-0.4;LowVol:-0.5
NoMargin
6
30
6
trailing 8%
136
18.6
Bull
14
4.83
2.7
106
7
62
27
false
Buy
Add to core equity +1%
-12
-35
BrokerB
MKT
91
null
null
Normal monitoring
-40
-4
34
5
false
Monitor dispersion and breadth
P9091
Systematic
Roth
USD
2025-06-03
1,412,765
58,620
1,354,145
1
65.2
23.2
4.3
7.2
AAPL:35.7%;MUB:28.6%;AMZN:35.7%
US:77.8;EU:8.2;APAC:6.1;EM:3.7;Other:4.2
Value:-0.5;Growth:+0.4;Quality:+0.8;Size:-0.9;Momentum:-0.0;LowVol:-0.3
MaxPos7%
6
30
5.9
trailing 9%
175
26
Volatile
29.3
3.86
3.4
149
62
70
81
true
Hedge
Buy index puts 1% notional
27
-16
BrokerB
MKT
93
Drift>tolerance
Hedge
Allocation drift beyond policy bands
109
-17
174
3
false
Tax-aware sells next window
P9092
Hands-off
Trust
USD
2025-06-14
583,686
47,036
536,650
1
60
19.9
10.7
9.5
IEF:28.3%;AMZN:22.3%;BRK.B:21.2%;VNQ:28.3%
US:60.1;EU:16.5;APAC:11.5;EM:10.0;Other:1.9
Value:-0.8;Growth:+0.1;Quality:-1.0;Size:+0.3;Momentum:+0.9;LowVol:-0.2
ESGOnly;NoDerivatives
10
25
3.9
hard 10%
154
17.1
Bull
14.1
3.63
3
72
63
96
44
false
Rebalance
Shift +1% to bonds from equity
-3
-27
BrokerB
LMT
90
null
null
Normal monitoring
28
-20
24
4
false
Increase defensive factor exposure
P9093
Hands-off
Taxable
USD
2024-09-23
508,496
45,483
463,013
1
56.4
20
14.6
9
BRK.B:33.3%;AMZN:33.3%;VOO:33.3%
US:72.0;EU:16.3;APAC:5.8;EM:4.4;Other:1.7
Value:-0.8;Growth:-0.7;Quality:-0.6;Size:0.0;Momentum:-0.2;LowVol:-0.5
ESGOnly
10
35
4.1
hard 10%
137
19.4
Sideways
15
4.68
2.6
130
-3
58
42
false
Buy
Add to core equity +1%
25
-20
BrokerD
LMT
89
null
null
Normal monitoring
-36
-36
-54
5
false
Tax-aware sells next window
P9094
Active
Taxable
USD
2024-10-20
934,980
94,021
840,959
1
52.9
26.3
15.6
5.1
VTI:35.7%;AAPL:28.5%;GLD:35.7%
US:67.8;EU:9.7;APAC:14.3;EM:6.2;Other:2.0
Value:+0.2;Growth:-0.1;Quality:+0.3;Size:-0.5;Momentum:-0.2;LowVol:-0.4
MaxPos8%;NoDerivatives
8
25
5.8
trailing 9%
197
25.1
Volatile
28.6
5.35
3
124
61
88
61
false
Buy
Add to core equity +1%
2
10
BrokerB
LMT
90
null
null
Normal monitoring
-55
-52
17
5
false
Within IPS guidelines
P9095
Hands-off
Taxable
USD
2025-03-29
636,281
30,166
606,115
1
67.9
23.1
0
9
TSLA:31.0%;BND:31.0%;BRK.B:20.5%;VOO:17.6%
US:66.0;EU:8.4;APAC:12.8;EM:12.8;Other:0.1
Value:-0.3;Growth:+0.8;Quality:+0.3;Size:+0.8;Momentum:-0.6;LowVol:-0.9
ESGOnly;MaxPos5%;NoDerivatives
8
30
3.3
trailing 8%
96
17.7
Bull
12.7
3.98
3.3
106
83
87
37
false
Sell
Trim extended winner -1%
25
8
BrokerA
MKT
87
null
null
Normal monitoring
5
-7
81
4
false
Increase defensive factor exposure
P9096
Cautious
IRA
USD
2024-11-04
260,648
30,082
230,566
1
43.8
33.8
8.3
14.2
MSFT:26.6%;BND:26.6%;QQQ:20.2%;AAPL:26.6%
US:63.9;EU:12.2;APAC:8.4;EM:12.1;Other:3.4
Value:-0.8;Growth:-0.9;Quality:-0.0;Size:-0.1;Momentum:-0.9;LowVol:-0.5
ESGOnly;NoMargin
10
30
4.6
trailing 8%
99
19.1
Sideways
14.2
4.17
3.3
128
35
70
34
false
Rebalance
Shift +1% to bonds from equity
1
-18
BrokerA
VWAP
89
null
null
Normal monitoring
59
-32
197
5
false
Tighten stops on momentum names
P9097
Hands-off
401k
USD
2024-07-07
546,134
34,384
511,750
1
62.8
23.9
3.6
9.7
GLD:24.0%;TLT:24.0%;TSLA:13.6%;AAPL:24.0%;XLF:14.4%
US:73.3;EU:13.2;APAC:6.2;EM:5.0;Other:2.3
Value:-0.5;Growth:+0.1;Quality:+0.8;Size:+0.7;Momentum:-0.7;LowVol:-0.8
ESGOnly;MaxPos8%
7
35
5.7
trailing 10%
165
12.4
Volatile
23.8
4.58
4.4
124
61
73
66
false
Rebalance
Shift +1% to bonds from equity
30
-12
BrokerA
MKT
100
null
null
Normal monitoring
-5
-15
6
3
false
Tighten stops on momentum names
P9098
Hands-off
401k
USD
2025-07-22
277,446
13,492
263,954
1
60.7
26.8
6.2
6.3
VNQ:20.4%;GLD:23.9%;HYG:8.0%;TLT:15.0%;QQQ:23.9%;BND:8.7%
US:62.9;EU:14.2;APAC:14.1;EM:4.3;Other:4.5
Value:-0.9;Growth:+0.3;Quality:+0.7;Size:+0.8;Momentum:-0.2;LowVol:-0.7
ESGOnly;MaxPos8%;NoDerivatives
7
35
4.6
trailing 8%
137
14.2
Bull
14.9
3.61
3.2
119
35
56
56
false
Buy
Add to core equity +1%
32
-5
BrokerA
LMT
86
null
null
Normal monitoring
34
-42
92
3
false
Within IPS guidelines
P9099
Hands-off
Roth
USD
2025-08-28
503,738
28,644
475,094
1
71
23.5
0
5.5
GLD:33.3%;VOO:33.3%;AMZN:33.3%
US:53.8;EU:20.4;APAC:10.5;EM:11.6;Other:3.6
Value:+0.1;Growth:-0.2;Quality:-0.7;Size:+0.6;Momentum:+1.0;LowVol:+1.0
ESGOnly
8
25
5.3
hard 10%
152
13.9
Volatile
31.2
4.79
4.2
137
79
87
77
true
Hedge
Buy index puts 1% notional
34
-14
BrokerB
MKT
98
VAR>budget
Hedge
Risk above budget threshold
58
-17
112
2
false
Tax-aware sells next window
P9100
Hands-off
IRA
USD
2025-04-07
319,898
21,762
298,136
1
65.9
28
0
6.1
TSLA:20.3%;BND:14.3%;MUB:13.7%;BRK.B:12.4%;QQQ:20.0%;MSFT:19.4%
US:59.0;EU:17.5;APAC:9.5;EM:9.7;Other:4.3
Value:+0.7;Growth:+0.6;Quality:-1.0;Size:+0.3;Momentum:+0.5;LowVol:-0.2
null
6
35
5.6
trailing 8%
156
19.1
Bear
24.6
4.46
1.6
167
-54
8
64
false
Rebalance
Shift +1% to bonds from equity
4
-7
BrokerC
LMT
91
null
null
Normal monitoring
94
7
93
4
false
Tax-aware sells next window