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
P9401
Systematic
Trust
USD
2025-01-21
748,484
67,631
680,853
1
56.6
31.1
6.9
5.4
AMZN:16.4%;MSFT:16.0%;TSLA:13.2%;HYG:22.2%;XLF:22.2%;VOO:10.1%
US:62.7;EU:9.2;APAC:16.0;EM:7.0;Other:5.2
Value:+0.5;Growth:+0.1;Quality:-0.8;Size:-0.2;Momentum:-0.8;LowVol:+0.2
NoDerivatives
7
30
5.4
trailing 8%
130
21.2
Volatile
22.4
5.13
3.6
127
-27
38
66
false
Buy
Add to core equity +1%
20
8
BrokerC
MKT
89
null
null
Normal monitoring
81
-32
182
3
false
Within IPS guidelines
P9402
Hands-off
Roth
USD
2024-09-18
163,907
8,723
155,184
1
71.2
16.3
3.4
9.1
TLT:25.0%;MUB:25.0%;BRK.B:25.0%;HYG:25.0%
US:67.5;EU:13.7;APAC:8.4;EM:7.3;Other:3.1
Value:-0.5;Growth:+0.6;Quality:-0.7;Size:-0.9;Momentum:-0.8;LowVol:-0.5
ESGOnly;MaxPos6%
6
25
4
trailing 10%
121
16.7
Sideways
20.6
4.94
2.1
111
43
68
73
false
Hedge
Add TLT +1% as duration hedge
-5
-1
BrokerC
MKT
97
null
null
Normal monitoring
-28
-18
-23
4
false
Within IPS guidelines
P9403
Cautious
Taxable
USD
2025-10-15
490,329
56,875
433,454
1
43.9
36.1
4.8
15.2
AAPL:10.8%;XLF:21.1%;AMZN:21.1%;BRK.B:8.3%;HYG:21.1%;TSLA:17.6%
US:66.2;EU:7.2;APAC:14.8;EM:11.4;Other:0.4
Value:-0.6;Growth:-0.8;Quality:+0.6;Size:-0.5;Momentum:-0.4;LowVol:+0.3
ESGOnly;NoDerivatives;NoMargin
7
35
3.5
trailing 8%
124
17.2
Sideways
19.9
4.91
3.1
96
48
74
52
false
Sell
Trim extended winner -1%
-9
-29
BrokerD
LMT
97
null
null
Normal monitoring
-37
18
101
4
false
Within IPS guidelines
P9404
Opportunistic
Roth
USD
2025-06-17
603,384
37,963
565,421
1
75.3
18.4
0
6.3
QQQ:20.0%;TSLA:21.3%;MUB:13.3%;VTI:10.3%;IEF:21.3%;VNQ:13.8%
US:70.3;EU:12.5;APAC:8.0;EM:9.0;Other:0.2
Value:+0.6;Growth:+0.8;Quality:+0.9;Size:+0.3;Momentum:-0.2;LowVol:-0.1
NoDerivatives
7
25
5.3
trailing 9%
280
27
Bull
16
4.63
3.5
72
60
75
61
true
Reduce
Cut high-beta by 2-3%, add cash
-1
-37
BrokerC
VWAP
96
Drift>tolerance
Hedge
Allocation drift beyond policy bands
120
-14
117
5
false
Within IPS guidelines
P9405
Opportunistic
401k
USD
2025-11-05
668,501
36,869
631,632
1.1
61
21.1
13.1
4.8
TSLA:26.5%;VOO:26.5%;BND:26.5%;HYG:20.6%
US:56.7;EU:19.1;APAC:12.9;EM:10.9;Other:0.4
Value:-1.0;Growth:+0.2;Quality:-0.1;Size:-0.0;Momentum:-0.2;LowVol:+0.2
MaxPos7%;NoDerivatives
5
30
6.9
trailing 7%
234
31.1
Bear
27.3
4.34
2.6
160
-23
24
61
false
Hedge
Add TLT +1% as duration hedge
26
-2
BrokerB
MKT
89
null
null
Normal monitoring
-26
-9
-41
4
false
Monitor dispersion and breadth
P9406
Active
Roth
USD
2025-04-25
1,499,639
146,472
1,353,167
1.19
50.9
22.6
19.9
6.5
XLF:18.4%;TSLA:19.6%;MSFT:14.9%;AAPL:12.4%;IEF:20.3%;HYG:14.4%
US:67.3;EU:8.8;APAC:12.0;EM:11.1;Other:0.8
Value:+0.2;Growth:-0.3;Quality:-0.8;Size:+0.3;Momentum:-0.6;LowVol:+0.9
MaxPos6%
6
25
4.9
hard 12%
205
26.4
Bear
30.5
3.69
2.4
173
-35
34
72
true
Hedge
Buy index puts 1% notional
29
-38
BrokerB
LMT
94
RegimeShift
Reduce
Volatility spike and breadth deterioration
102
-6
198
3
true
Increase defensive factor exposure
P9407
Systematic
Roth
USD
2024-11-17
1,058,688
70,613
988,075
1
63.6
29.5
0
6.8
QQQ:21.8%;BND:25.3%;IEF:9.6%;MSFT:18.1%;HYG:25.3%
US:68.6;EU:10.0;APAC:9.9;EM:7.3;Other:4.2
Value:-0.8;Growth:-0.0;Quality:-0.5;Size:-0.1;Momentum:-0.9;LowVol:+0.5
null
8
35
4.7
trailing 9%
212
24.9
Bull
16.5
4.92
2.7
84
69
70
59
false
Rebalance
Shift +1% to bonds from equity
-11
-2
BrokerD
LMT
94
null
null
Normal monitoring
-37
1
-68
3
false
Tax-aware sells next window
P9408
Opportunistic
401k
USD
2025-05-20
548,002
22,470
525,532
1
60.7
13.7
19.2
6.4
MSFT:25.8%;TSLA:22.5%;VNQ:25.8%;BRK.B:25.8%
US:59.2;EU:16.7;APAC:12.3;EM:10.5;Other:1.4
Value:-0.2;Growth:+0.9;Quality:-0.2;Size:0.0;Momentum:+0.1;LowVol:-0.7
MaxPos5%
5
30
5.7
trailing 7%
172
34.5
Volatile
22.8
4.53
3.2
119
-43
25
63
false
NoAction
Within bands; monitor
-10
-14
BrokerC
MKT
0
null
null
Normal monitoring
-17
-54
15
5
false
Within IPS guidelines
P9409
Opportunistic
Taxable
USD
2025-06-29
869,522
26,302
843,220
1.11
70.5
18.9
3.3
7.3
HYG:28.5%;BRK.B:14.4%;TSLA:28.5%;BND:28.5%
US:66.3;EU:16.7;APAC:8.6;EM:6.3;Other:2.2
Value:+0.6;Growth:-0.3;Quality:+0.8;Size:-0.3;Momentum:+0.1;LowVol:+0.4
MaxPos6%;NoDerivatives
10
35
6.1
trailing 7%
194
26.3
Bull
14.2
4.74
2.6
109
108
100
45
false
Rebalance
Shift +1% to bonds from equity
5
-34
BrokerC
LMT
89
null
null
Normal monitoring
-18
6
-34
3
false
Tax-aware sells next window
P9410
Opportunistic
IRA
USD
2024-09-27
1,601,733
93,029
1,508,704
1.18
70.6
17.3
4.4
7.7
IEF:21.6%;HYG:20.5%;TLT:14.7%;VNQ:21.6%;MUB:21.6%
US:73.0;EU:5.9;APAC:11.6;EM:7.2;Other:2.4
Value:+0.5;Growth:+0.8;Quality:-0.7;Size:-0.1;Momentum:-0.7;LowVol:-0.5
null
5
25
6.1
trailing 9%
171
25.5
Bear
25.6
3.03
1.4
131
34
79
82
true
Reduce
Cut high-beta by 2-3%, add cash
34
-30
BrokerD
MKT
93
VAR>budget
Reduce
Risk above budget threshold
-43
-2
-73
5
false
Tax-aware sells next window
P9411
Active
Taxable
USD
2024-10-07
1,118,596
74,914
1,043,682
1
63
23.2
5.9
7.9
BRK.B:22.5%;TLT:25.1%;TSLA:26.2%;HYG:26.2%
US:62.9;EU:16.7;APAC:8.7;EM:10.0;Other:1.6
Value:-0.0;Growth:-1.0;Quality:+0.7;Size:+0.2;Momentum:+0.6;LowVol:+0.5
MaxPos7%
10
30
6
hard 12%
227
21.9
Bull
15.3
3.67
3.4
103
106
99
42
false
Buy
Add to core equity +1%
28
11
BrokerC
LMT
90
null
null
Normal monitoring
93
-50
70
4
false
Tighten stops on momentum names
P9412
Cautious
Roth
USD
2025-07-14
246,567
29,683
216,884
1
47.5
36
1.4
15.1
BND:33.3%;VTI:33.3%;HYG:33.3%
US:58.6;EU:11.1;APAC:13.5;EM:13.1;Other:3.7
Value:-0.6;Growth:+0.2;Quality:+0.2;Size:-0.9;Momentum:+0.3;LowVol:-0.9
ESGOnly;NoMargin
7
35
4.5
trailing 10%
170
19
Volatile
24.4
5.4
2.6
135
79
83
48
false
Rebalance
Shift +1% to bonds from equity
-14
-6
BrokerC
MKT
91
null
null
Normal monitoring
-47
-48
-17
3
false
Monitor dispersion and breadth
P9413
Hands-off
Roth
USD
2025-10-17
789,301
58,362
730,939
1
64.8
21.4
4.3
9.4
BND:7.7%;BRK.B:22.9%;GLD:22.9%;IEF:12.0%;XLF:15.9%;QQQ:18.6%
US:65.4;EU:10.4;APAC:10.6;EM:10.2;Other:3.4
Value:-0.6;Growth:-0.0;Quality:-0.3;Size:+0.8;Momentum:0.0;LowVol:-0.2
MaxPos5%;NoDerivatives
10
25
3.3
trailing 8%
136
13.7
Sideways
20.2
3.98
3
137
5
39
57
false
Sell
Trim extended winner -1%
-6
-37
BrokerB
LMT
95
null
null
Normal monitoring
50
16
87
4
false
Monitor dispersion and breadth
P9414
Active
Taxable
USD
2025-11-16
1,590,115
189,996
1,400,119
1
59.6
23.1
9.9
7.4
MSFT:11.6%;VNQ:21.2%;GLD:20.2%;MUB:21.2%;HYG:9.4%;TLT:16.3%
US:67.8;EU:6.9;APAC:10.7;EM:11.0;Other:3.6
Value:+0.5;Growth:-0.7;Quality:-0.7;Size:-0.7;Momentum:+0.2;LowVol:+0.7
MaxPos6%
7
35
4.4
hard 12%
128
25
Bull
16.2
3.64
2.1
92
8
41
39
false
Rebalance
Shift +1% to bonds from equity
-6
-23
BrokerB
MKT
87
null
null
Normal monitoring
66
-28
201
4
false
Within IPS guidelines
P9415
Hands-off
Roth
USD
2025-08-27
456,499
22,878
433,621
1
68.9
23.8
0
7.3
MSFT:23.5%;VOO:13.8%;IEF:23.5%;QQQ:15.7%;HYG:23.5%
US:64.8;EU:13.5;APAC:13.8;EM:7.6;Other:0.2
Value:+0.3;Growth:-0.6;Quality:-0.7;Size:+0.1;Momentum:-0.2;LowVol:+0.9
ESGOnly
6
35
5.7
trailing 8%
141
12.8
Volatile
26.4
4.1
3.5
164
57
65
66
false
Rebalance
Shift +1% to bonds from equity
29
-6
BrokerC
MKT
100
null
null
Normal monitoring
69
-54
60
3
false
Increase defensive factor exposure
P9416
Hands-off
401k
USD
2025-06-15
636,948
30,762
606,186
1
57.7
26.4
8.8
7
BRK.B:27.3%;HYG:27.3%;AAPL:25.7%;TSLA:19.6%
US:66.1;EU:14.3;APAC:6.9;EM:8.5;Other:4.2
Value:+0.9;Growth:-0.7;Quality:+0.6;Size:+0.1;Momentum:-0.1;LowVol:+0.4
NoDerivatives
10
35
4.2
hard 10%
129
17.6
Volatile
23.9
5.18
2.7
136
-27
34
58
false
NoAction
Within bands; monitor
26
-31
BrokerA
VWAP
93
null
null
Normal monitoring
67
6
57
5
false
Tax-aware sells next window
P9417
Cautious
401k
USD
2025-11-15
766,606
79,827
686,779
1
46.2
37.9
3.1
12.9
TSLA:22.3%;MSFT:19.9%;VNQ:12.0%;VTI:8.9%;QQQ:14.7%;AMZN:22.3%
US:77.1;EU:7.4;APAC:6.0;EM:8.3;Other:1.2
Value:-0.6;Growth:+0.2;Quality:-0.2;Size:+0.7;Momentum:+0.9;LowVol:-0.8
ESGOnly;NoDerivatives;NoMargin
6
25
3.7
hard 10%
137
19.8
Bear
33
3.54
2.5
199
-111
5
65
false
Buy
Add to core equity +1%
12
8
BrokerC
LMT
88
null
null
Normal monitoring
-8
1
80
5
false
Increase defensive factor exposure
P9418
Active
401k
USD
2025-04-08
2,358,647
278,837
2,079,810
1
64
28.5
0
7.5
XLF:25.0%;MUB:25.0%;GLD:25.0%;VOO:25.0%
US:73.9;EU:6.9;APAC:10.7;EM:3.7;Other:4.8
Value:-0.0;Growth:+0.1;Quality:+0.1;Size:-0.9;Momentum:-0.6;LowVol:+0.5
NoDerivatives
5
25
5.8
trailing 9%
206
22.7
Sideways
15
4.9
2.6
118
-5
48
54
false
Buy
Add to core equity +1%
-11
-15
BrokerA
MKT
94
null
null
Normal monitoring
44
-49
33
5
false
Tighten stops on momentum names
P9419
Active
401k
USD
2025-10-03
2,280,014
249,347
2,030,667
1
63.8
23.4
5
7.7
VTI:28.7%;VOO:18.8%;VNQ:28.7%;QQQ:23.8%
US:68.1;EU:8.3;APAC:11.3;EM:8.7;Other:3.6
Value:+0.9;Growth:-0.9;Quality:-0.1;Size:+0.1;Momentum:+0.4;LowVol:+0.9
NoDerivatives
8
30
4.5
trailing 9%
159
20
Bear
34.4
4.39
2.9
207
-113
5
89
true
Reduce
Cut high-beta by 2-3%, add cash
-2
-7
BrokerD
MKT
90
RegimeShift
Reduce
Volatility spike and breadth deterioration
26
-21
144
2
false
Within IPS guidelines
P9420
Cautious
401k
USD
2024-11-22
488,981
69,394
419,587
1
53.9
32.6
0
13.5
HYG:29.0%;BND:29.0%;AMZN:19.3%;VNQ:22.7%
US:72.3;EU:9.2;APAC:6.4;EM:10.8;Other:1.3
Value:-0.7;Growth:-0.4;Quality:-0.5;Size:+0.7;Momentum:-1.0;LowVol:+0.8
ESGOnly;NoMargin
6
25
4
hard 10%
168
13.2
Bear
30.3
3.27
2.8
173
-113
5
68
false
Sell
Trim extended winner -1%
10
-22
BrokerC
MKT
86
null
null
Normal monitoring
99
-44
74
5
false
Increase defensive factor exposure
P9421
Hands-off
Roth
USD
2025-10-29
502,472
22,881
479,591
1
67.2
24.2
0
8.6
QQQ:31.0%;IEF:34.5%;BND:34.5%
US:65.3;EU:15.1;APAC:12.5;EM:4.1;Other:3.0
Value:+0.4;Growth:+0.4;Quality:-0.5;Size:+0.6;Momentum:+0.1;LowVol:-0.8
ESGOnly
10
35
5.8
trailing 8%
141
14.6
Sideways
20.7
4.3
2.8
94
-13
49
59
false
Hedge
Add TLT +1% as duration hedge
-3
-14
BrokerD
LMT
99
null
null
Normal monitoring
-11
19
30
4
false
Monitor dispersion and breadth
P9422
Opportunistic
Taxable
USD
2024-10-21
1,630,000
55,094
1,574,906
1
66.4
16.2
11.8
5.5
IEF:18.5%;AAPL:27.1%;QQQ:27.2%;MSFT:27.2%
US:69.6;EU:16.1;APAC:7.8;EM:6.4;Other:0.2
Value:+0.9;Growth:+0.1;Quality:-0.1;Size:+0.9;Momentum:+0.8;LowVol:-1.0
MaxPos7%;NoDerivatives
7
25
6.1
trailing 7%
272
23.1
Bear
34.2
3.72
1.8
196
9
61
82
true
Hedge
Buy index puts 1% notional
16
-1
BrokerA
LMT
94
VAR>budget
Hedge
Risk above budget threshold
69
-16
168
4
false
Tax-aware sells next window
P9423
Cautious
401k
USD
2025-08-24
366,187
38,811
327,376
1
47.9
39.3
0
12.8
AMZN:18.2%;TSLA:21.9%;HYG:16.1%;XLF:21.9%;TLT:21.9%
US:66.5;EU:17.0;APAC:8.9;EM:7.3;Other:0.3
Value:-0.8;Growth:-0.2;Quality:+0.6;Size:-0.2;Momentum:-0.5;LowVol:-0.9
NoMargin
5
35
4.9
hard 10%
130
17.6
Bull
12.3
4.87
3.3
79
20
58
25
false
Hedge
Add TLT +1% as duration hedge
-9
-5
BrokerC
MKT
87
null
null
Normal monitoring
22
-48
116
3
false
Increase defensive factor exposure
P9424
Active
Taxable
USD
2025-05-14
1,470,571
160,864
1,309,707
1
50.3
22.8
21.4
5.6
MUB:15.2%;TSLA:28.3%;BND:28.3%;AMZN:28.3%
US:75.8;EU:6.4;APAC:7.8;EM:7.7;Other:2.3
Value:-0.2;Growth:+1.0;Quality:-0.6;Size:-0.0;Momentum:+0.9;LowVol:+0.1
null
10
30
4.3
hard 12%
187
17.7
Sideways
18.3
3.9
3.1
131
-20
37
49
false
Rebalance
Shift +1% to bonds from equity
24
-4
BrokerD
VWAP
99
null
null
Normal monitoring
32
-7
144
4
false
Tax-aware sells next window
P9425
Cautious
401k
USD
2025-12-18
860,437
92,927
767,510
1
37.8
41.4
4.3
16.4
BRK.B:28.5%;AAPL:28.5%;BND:14.6%;QQQ:28.5%
US:59.9;EU:21.6;APAC:10.5;EM:5.9;Other:2.2
Value:-0.5;Growth:-0.1;Quality:+0.9;Size:0.0;Momentum:+0.3;LowVol:+0.7
MaxPos6%;NoDerivatives;NoMargin
5
30
4.5
trailing 8%
134
12.9
Volatile
29.4
5.06
2.5
120
56
73
59
false
Buy
Add to core equity +1%
18
3
BrokerA
MKT
85
null
null
Normal monitoring
11
-57
61
5
false
Monitor dispersion and breadth
P9426
Systematic
401k
USD
2025-01-29
1,535,832
119,795
1,416,037
1
60.2
25.8
5.4
8.7
BRK.B:20.7%;HYG:21.9%;TLT:8.8%;TSLA:15.8%;AMZN:11.0%;VOO:21.9%
US:68.4;EU:13.0;APAC:10.2;EM:5.1;Other:3.3
Value:+0.9;Growth:-0.5;Quality:-0.8;Size:-0.0;Momentum:+0.1;LowVol:+0.8
null
6
30
4.8
trailing 8%
172
18.9
Sideways
17.9
3.78
2.9
115
-12
51
43
true
Rebalance
Rebalance back to target bands
23
12
BrokerC
LMT
100
VAR>budget
Hedge
Risk above budget threshold
30
3
100
5
false
Tighten stops on momentum names
P9427
Hands-off
Taxable
USD
2024-11-28
387,408
32,988
354,420
1
65.5
17.2
10
7.3
BND:21.9%;VNQ:19.0%;XLF:22.3%;QQQ:22.3%;TSLA:14.6%
US:69.9;EU:9.3;APAC:13.4;EM:4.0;Other:3.4
Value:+0.2;Growth:+0.7;Quality:+0.8;Size:-1.0;Momentum:+0.9;LowVol:-1.0
MaxPos6%;NoDerivatives
6
25
3.5
trailing 10%
170
14.6
Volatile
23.6
4.74
3
171
29
72
65
false
Rebalance
Shift +1% to bonds from equity
25
11
BrokerD
LMT
92
null
null
Normal monitoring
-6
-40
-27
3
false
Tighten stops on momentum names
P9428
Systematic
IRA
USD
2024-12-18
1,422,835
62,412
1,360,423
1
65.4
27.6
0
7
TSLA:35.1%;IEF:29.8%;BND:35.1%
US:73.4;EU:9.1;APAC:10.2;EM:6.8;Other:0.4
Value:+0.4;Growth:-0.1;Quality:+0.1;Size:+0.6;Momentum:+0.6;LowVol:-0.2
MaxPos6%
6
30
4.7
hard 12%
160
24.4
Volatile
21.9
4.66
2.9
134
54
74
59
false
Buy
Add to core equity +1%
18
-16
BrokerB
MKT
98
null
null
Normal monitoring
48
-22
116
5
false
Tax-aware sells next window
P9429
Systematic
Trust
USD
2025-09-10
1,346,188
120,634
1,225,554
1
58.3
34.3
0.2
7.3
GLD:21.1%;VNQ:18.3%;BND:20.4%;VTI:19.0%;TSLA:21.1%
US:75.4;EU:6.3;APAC:9.0;EM:7.8;Other:1.6
Value:-0.7;Growth:0.0;Quality:-0.9;Size:-0.5;Momentum:-0.9;LowVol:-0.2
MaxPos8%
8
25
6
trailing 8%
129
21.5
Sideways
15.3
4.41
2.9
133
-24
34
49
false
Buy
Add to core equity +1%
3
4
BrokerA
MKT
96
null
null
Normal monitoring
1
-35
27
4
false
Tighten stops on momentum names
P9430
Systematic
Trust
USD
2024-11-09
690,535
59,500
631,035
1
69.1
24.8
1
5
VNQ:34.8%;AAPL:30.5%;IEF:34.8%
US:76.3;EU:9.2;APAC:5.6;EM:8.8;Other:0.2
Value:+0.1;Growth:+0.1;Quality:+0.7;Size:-0.2;Momentum:+0.8;LowVol:-0.4
MaxPos6%;NoDerivatives
8
35
5.2
hard 12%
214
20.3
Bull
11.9
4.6
2.6
99
57
69
37
false
Sell
Trim extended winner -1%
33
-20
BrokerD
VWAP
93
null
null
Normal monitoring
114
-15
184
3
false
Tax-aware sells next window
P9431
Hands-off
IRA
USD
2025-07-19
259,280
20,753
238,527
1
72.2
22.1
0
5.6
GLD:14.0%;TSLA:21.6%;TLT:21.6%;BRK.B:12.5%;AAPL:19.7%;BND:10.6%
US:59.0;EU:14.8;APAC:15.3;EM:8.0;Other:2.8
Value:-0.7;Growth:+0.9;Quality:-0.4;Size:-0.4;Momentum:+0.5;LowVol:+0.4
MaxPos6%
6
25
5.5
trailing 8%
101
12.6
Sideways
15.6
3.99
2.7
108
10
50
46
false
Rebalance
Shift +1% to bonds from equity
8
-28
BrokerC
LMT
85
null
null
Normal monitoring
-30
-27
59
4
false
Within IPS guidelines
P9432
Opportunistic
401k
USD
2025-03-05
1,246,246
108,944
1,137,302
1.18
62.1
12
20.2
5.7
BND:19.0%;BRK.B:20.6%;MSFT:22.6%;QQQ:15.2%;HYG:22.6%
US:61.7;EU:14.3;APAC:9.2;EM:10.0;Other:4.8
Value:-0.4;Growth:+0.7;Quality:-0.3;Size:+0.6;Momentum:+0.1;LowVol:0.0
MaxPos8%
6
30
4.9
trailing 9%
177
34
Bull
16.7
4.92
2.7
102
62
87
51
false
Rebalance
Shift +1% to bonds from equity
27
-30
BrokerA
LMT
87
null
null
Normal monitoring
110
4
212
3
false
Tax-aware sells next window
P9433
Active
Roth
USD
2025-06-02
713,431
55,934
657,497
1
66
19.1
5.7
9.2
AMZN:21.3%;GLD:18.0%;VNQ:10.3%;MSFT:21.3%;QQQ:7.9%;TLT:21.3%
US:68.1;EU:12.1;APAC:7.3;EM:8.6;Other:3.8
Value:+0.7;Growth:-0.8;Quality:-0.2;Size:-0.6;Momentum:-0.1;LowVol:+0.7
NoDerivatives
7
25
5.7
trailing 8%
194
24.2
Bull
11.2
4.43
3.1
88
53
73
39
false
Buy
Add to core equity +1%
5
-40
BrokerC
VWAP
92
null
null
Normal monitoring
3
20
40
3
false
Within IPS guidelines
P9434
Hands-off
Taxable
USD
2025-09-08
867,355
86,590
780,765
1
68.4
25.5
0
6.1
BND:22.2%;TSLA:22.2%;VOO:13.5%;TLT:22.2%;AAPL:20.0%
US:73.0;EU:7.7;APAC:8.0;EM:8.8;Other:2.5
Value:-0.9;Growth:+0.1;Quality:+0.9;Size:-0.1;Momentum:-0.3;LowVol:+0.1
null
5
30
4.7
trailing 8%
105
19.9
Bull
12.8
3.6
2.7
98
2
41
41
false
NoAction
Within bands; monitor
25
-35
BrokerC
MKT
0
null
null
Normal monitoring
68
-5
59
5
false
Within IPS guidelines
P9435
Opportunistic
Trust
USD
2025-03-28
1,395,125
123,434
1,271,691
1
68.7
15.1
10.1
6.1
IEF:25.0%;BRK.B:25.0%;QQQ:25.0%;TLT:25.0%
US:64.1;EU:18.8;APAC:12.6;EM:3.0;Other:1.4
Value:+0.3;Growth:+0.7;Quality:-0.8;Size:-0.3;Momentum:-0.4;LowVol:+1.0
null
5
30
5.8
trailing 7%
177
29.4
Volatile
20.7
3.78
4.4
155
24
60
61
false
Buy
Add to core equity +1%
22
-27
BrokerB
MKT
91
null
null
Normal monitoring
-4
-58
51
3
false
Monitor dispersion and breadth
P9436
Cautious
Roth
USD
2025-07-26
512,913
79,359
433,554
1
39.2
31
14.2
15.6
AMZN:8.0%;HYG:16.7%;MSFT:20.9%;VTI:18.2%;TSLA:20.9%;QQQ:15.2%
US:67.9;EU:12.2;APAC:13.1;EM:5.2;Other:1.5
Value:-0.5;Growth:-0.7;Quality:+0.9;Size:+0.7;Momentum:-0.3;LowVol:-0.7
ESGOnly;NoDerivatives;NoMargin
7
30
5.5
trailing 8%
164
14.5
Volatile
23.3
5.44
2.7
118
18
49
51
false
Rebalance
Shift +1% to bonds from equity
27
10
BrokerA
MKT
87
null
null
Normal monitoring
95
-58
187
5
false
Tighten stops on momentum names
P9437
Systematic
Roth
USD
2025-07-16
1,051,772
68,934
982,838
1
60.8
24.1
7.7
7.4
VOO:23.2%;MUB:22.1%;BND:15.2%;TSLA:16.4%;VTI:23.2%
US:68.9;EU:8.9;APAC:15.0;EM:5.3;Other:1.9
Value:+0.5;Growth:-0.8;Quality:+0.1;Size:+0.7;Momentum:-0.3;LowVol:-0.1
MaxPos7%
10
35
5.2
trailing 9%
141
22.7
Bull
12.8
4.41
2.1
71
12
60
48
false
NoAction
Within bands; monitor
10
-10
BrokerD
LMT
86
null
null
Normal monitoring
-22
-52
58
5
false
Increase defensive factor exposure
P9438
Cautious
401k
USD
2024-11-13
745,524
80,370
665,154
1
46.3
35.7
7
11
VTI:19.2%;VOO:18.9%;QQQ:11.8%;VNQ:20.7%;AMZN:20.7%;HYG:8.6%
US:65.8;EU:7.0;APAC:14.5;EM:10.8;Other:1.9
Value:+0.1;Growth:+0.4;Quality:-0.5;Size:+0.8;Momentum:+0.5;LowVol:+0.4
MaxPos7%;NoDerivatives;NoMargin
8
35
4.3
hard 10%
108
19
Bull
13.4
3.85
2.8
87
78
82
30
false
Sell
Trim extended winner -1%
23
11
BrokerB
MKT
100
null
null
Normal monitoring
81
-13
86
4
false
Tighten stops on momentum names
P9439
Opportunistic
Trust
USD
2025-01-06
1,105,837
60,633
1,045,204
1
72.3
17
5.1
5.6
HYG:33.3%;VTI:33.3%;TSLA:33.3%
US:70.3;EU:6.5;APAC:13.4;EM:4.9;Other:4.8
Value:-0.3;Growth:-0.0;Quality:+0.9;Size:-0.8;Momentum:-0.3;LowVol:+0.5
null
10
35
6.8
trailing 7%
172
26.9
Volatile
23.6
4.13
3.4
142
-34
46
78
true
Reduce
Cut high-beta by 2-3%, add cash
35
3
BrokerB
LMT
90
Drift>tolerance
Hedge
Allocation drift beyond policy bands
2
-7
1
2
false
Monitor dispersion and breadth
P9440
Opportunistic
Taxable
USD
2024-09-05
450,881
36,250
414,631
1
62.7
18.4
14.5
4.4
AMZN:16.8%;VOO:21.7%;BRK.B:14.2%;TSLA:14.2%;BND:11.3%;HYG:21.7%
US:69.8;EU:8.0;APAC:12.2;EM:8.8;Other:1.2
Value:-0.6;Growth:-0.1;Quality:+0.4;Size:+0.3;Momentum:+0.9;LowVol:-0.6
MaxPos8%
5
35
5.1
hard 12%
222
22.1
Sideways
14.7
4.18
2.4
95
-20
50
57
false
Buy
Add to core equity +1%
1
-3
BrokerA
MKT
97
null
null
Normal monitoring
59
-43
169
5
false
Tighten stops on momentum names
P9441
Opportunistic
IRA
USD
2025-08-10
1,073,732
93,168
980,564
1.12
74.4
11.4
10.1
4.1
VNQ:20.9%;GLD:21.9%;QQQ:10.1%;AAPL:14.1%;BND:14.9%;HYG:18.1%
US:67.2;EU:17.4;APAC:7.5;EM:6.1;Other:1.7
Value:-0.5;Growth:0.0;Quality:+0.5;Size:-0.3;Momentum:-0.3;LowVol:+0.6
MaxPos8%
6
35
5.4
trailing 9%
210
32.8
Bull
11.6
4.13
2.9
85
33
57
51
false
Rebalance
Shift +1% to bonds from equity
19
-31
BrokerC
MKT
95
null
null
Normal monitoring
21
-8
29
4
false
Monitor dispersion and breadth
P9442
Hands-off
Taxable
USD
2024-09-21
742,487
41,924
700,563
1
68.2
27
0
4.7
TLT:35.9%;AMZN:28.2%;MUB:35.9%
US:67.6;EU:12.9;APAC:7.9;EM:7.3;Other:4.3
Value:+0.5;Growth:-0.9;Quality:-0.9;Size:+0.8;Momentum:-0.2;LowVol:+0.4
ESGOnly;NoDerivatives
6
25
4.8
hard 10%
143
15.8
Sideways
17.6
3.53
2.1
119
36
77
57
false
Buy
Add to core equity +1%
-11
14
BrokerB
VWAP
87
null
null
Normal monitoring
60
2
79
4
false
Tighten stops on momentum names
P9443
Systematic
Trust
USD
2025-06-25
1,421,556
119,369
1,302,187
1
63.7
29
1
6.4
VTI:13.7%;AMZN:24.1%;QQQ:24.1%;AAPL:23.5%;HYG:14.5%
US:66.7;EU:6.3;APAC:14.1;EM:9.7;Other:3.2
Value:-0.0;Growth:+0.3;Quality:-0.1;Size:-0.2;Momentum:-0.3;LowVol:+0.3
MaxPos7%;NoDerivatives
5
35
4.3
trailing 9%
217
19.3
Bull
16.6
3.53
2.9
92
63
78
60
false
Buy
Add to core equity +1%
-7
7
BrokerA
LMT
86
null
null
Normal monitoring
23
-1
73
3
false
Monitor dispersion and breadth
P9444
Opportunistic
Taxable
USD
2025-01-25
1,760,032
54,474
1,705,558
1
71
15.9
4.8
8.4
QQQ:22.9%;MUB:22.9%;VNQ:22.9%;XLF:22.6%;VTI:8.8%
US:63.1;EU:11.9;APAC:13.0;EM:6.5;Other:5.5
Value:+0.3;Growth:+0.1;Quality:+0.1;Size:-0.2;Momentum:-0.4;LowVol:+0.6
null
6
25
5.6
trailing 7%
185
26.6
Sideways
22
4.05
3.2
125
28
62
65
false
Hedge
Add TLT +1% as duration hedge
12
-28
BrokerD
MKT
86
null
null
Normal monitoring
74
-52
212
3
false
Increase defensive factor exposure
P9445
Hands-off
Roth
USD
2025-09-09
425,243
38,571
386,672
1
63.1
23.7
5.6
7.7
BRK.B:33.3%;MSFT:33.3%;VNQ:33.3%
US:64.5;EU:14.3;APAC:11.6;EM:6.4;Other:3.2
Value:-0.0;Growth:-0.7;Quality:+0.2;Size:-1.0;Momentum:-0.6;LowVol:-0.3
ESGOnly;NoDerivatives
5
30
3.7
trailing 8%
148
16.9
Bear
23.3
3.67
2.2
185
-79
25
55
false
Rebalance
Shift +1% to bonds from equity
3
-25
BrokerC
MKT
87
null
null
Normal monitoring
29
-58
-11
5
false
Monitor dispersion and breadth
P9446
Active
Taxable
USD
2024-09-13
2,341,265
245,124
2,096,141
1
60.8
19.1
10.8
9.3
AAPL:23.0%;BND:25.7%;VOO:25.7%;TSLA:25.7%
US:65.2;EU:12.9;APAC:9.3;EM:12.0;Other:0.6
Value:-0.6;Growth:-0.6;Quality:-0.2;Size:-0.1;Momentum:+0.6;LowVol:+0.4
null
8
25
4.4
hard 12%
156
19.7
Bull
13.7
4.66
2.3
88
89
88
35
false
Rebalance
Shift +1% to bonds from equity
-5
-23
BrokerD
VWAP
86
null
null
Normal monitoring
58
12
124
3
false
Within IPS guidelines
P9447
Active
IRA
USD
2025-10-06
2,445,721
185,592
2,260,129
1
63.1
26.1
2.3
8.5
XLF:20.7%;AAPL:17.4%;VOO:21.3%;BRK.B:21.3%;HYG:19.4%
US:60.6;EU:17.3;APAC:8.0;EM:10.3;Other:3.8
Value:-0.3;Growth:+0.1;Quality:+0.1;Size:+0.9;Momentum:+0.8;LowVol:+0.8
null
5
25
5.6
trailing 8%
214
25.8
Bull
16.2
4.88
2.1
86
1
35
60
false
Rebalance
Shift +1% to bonds from equity
14
-10
BrokerC
MKT
90
null
null
Normal monitoring
91
-12
58
5
false
Tighten stops on momentum names
P9448
Active
Roth
USD
2024-10-19
1,189,119
98,924
1,090,195
1
63.8
27.9
1.9
6.5
VTI:12.9%;IEF:23.7%;QQQ:15.9%;VNQ:23.7%;BRK.B:23.7%
US:64.4;EU:19.4;APAC:10.7;EM:3.0;Other:2.4
Value:-0.6;Growth:+0.8;Quality:+0.9;Size:+0.5;Momentum:-0.6;LowVol:+0.7
MaxPos7%
5
35
5.9
trailing 9%
140
21.3
Bull
14.7
4.02
2.7
89
80
100
57
false
Rebalance
Shift +1% to bonds from equity
3
9
BrokerA
LMT
96
null
null
Normal monitoring
70
-58
63
5
false
Increase defensive factor exposure
P9449
Hands-off
Roth
USD
2025-11-16
793,683
33,232
760,451
1
65.6
20.4
4.3
9.8
GLD:26.8%;IEF:26.8%;MUB:19.7%;QQQ:26.8%
US:69.2;EU:10.4;APAC:9.1;EM:9.1;Other:2.2
Value:+0.6;Growth:+0.6;Quality:-0.6;Size:+0.1;Momentum:+0.9;LowVol:-0.9
MaxPos8%;NoDerivatives
8
35
3.6
trailing 8%
161
13.5
Bull
13.6
3.8
3.3
91
120
100
49
false
Buy
Add to core equity +1%
-13
-21
BrokerA
MKT
99
null
null
Normal monitoring
-13
-27
-21
4
false
Tighten stops on momentum names
P9450
Opportunistic
Trust
USD
2025-07-23
826,468
54,875
771,593
1
73.5
11.6
10.1
4.7
VTI:19.9%;IEF:20.7%;TLT:8.6%;XLF:19.1%;GLD:11.0%;QQQ:20.7%
US:67.8;EU:13.9;APAC:9.6;EM:5.9;Other:2.8
Value:+0.4;Growth:-0.4;Quality:+0.9;Size:-0.0;Momentum:-0.5;LowVol:-0.1
NoDerivatives
8
35
6.8
trailing 9%
245
27.8
Bear
31.7
4.04
1.8
166
-106
5
86
true
Reduce
Cut high-beta by 2-3%, add cash
-12
15
BrokerD
MKT
93
VAR>budget
Hedge
Risk above budget threshold
-18
0
71
4
false
Tax-aware sells next window
P9451
Active
Taxable
USD
2025-09-05
1,742,683
143,543
1,599,140
1
54.8
25.6
13.9
5.7
QQQ:20.2%;TSLA:17.9%;AMZN:17.0%;XLF:14.8%;HYG:13.5%;BND:16.8%
US:66.8;EU:15.5;APAC:10.3;EM:5.5;Other:1.9
Value:+0.8;Growth:+0.1;Quality:-0.4;Size:+0.3;Momentum:+0.9;LowVol:+0.6
null
5
30
4.8
hard 12%
199
24.3
Bear
23.2
3.39
2.4
208
-8
47
67
false
Buy
Add to core equity +1%
14
-26
BrokerD
MKT
99
null
null
Normal monitoring
-29
-48
97
4
false
Tighten stops on momentum names
P9452
Hands-off
Trust
USD
2024-10-02
782,928
47,292
735,636
1
68
17.8
5.8
8.3
VTI:20.3%;AAPL:15.4%;GLD:10.5%;QQQ:18.9%;VOO:14.6%;IEF:20.3%
US:64.4;EU:10.5;APAC:9.3;EM:11.2;Other:4.6
Value:+0.1;Growth:-0.7;Quality:-0.1;Size:0.0;Momentum:-0.9;LowVol:-0.3
ESGOnly
8
25
5.5
trailing 8%
142
14.2
Bull
18
4.78
3.1
111
10
65
52
false
Rebalance
Shift +1% to bonds from equity
21
-32
BrokerA
VWAP
89
null
null
Normal monitoring
4
-60
53
5
false
Tighten stops on momentum names
P9453
Cautious
Taxable
USD
2025-04-06
361,865
37,485
324,380
1
48.1
38.6
0
13.4
QQQ:33.3%;MSFT:33.3%;TSLA:33.3%
US:69.3;EU:14.5;APAC:8.0;EM:5.6;Other:2.6
Value:-0.8;Growth:-0.4;Quality:-0.5;Size:+0.9;Momentum:+0.5;LowVol:+1.0
MaxPos5%;NoDerivatives;NoMargin
5
30
5.1
trailing 8%
147
13.1
Sideways
17.2
4.6
2.8
93
-15
45
50
true
Rebalance
Rebalance back to target bands
18
-21
BrokerD
MKT
94
Drift>tolerance
TightenStops
Allocation drift beyond policy bands
-20
18
-57
2
false
Tighten stops on momentum names
P9454
Hands-off
IRA
USD
2025-12-15
754,582
66,548
688,034
1
57.8
24
12
6.2
TSLA:33.3%;MSFT:33.3%;XLF:33.3%
US:65.8;EU:20.6;APAC:7.6;EM:5.0;Other:1.0
Value:+0.6;Growth:+0.7;Quality:+0.7;Size:0.0;Momentum:+0.7;LowVol:-0.9
null
5
35
5.3
hard 10%
165
14.3
Sideways
14.4
4.05
2.9
114
19
45
44
false
Sell
Trim extended winner -1%
-14
-17
BrokerB
LMT
91
null
null
Normal monitoring
-44
-17
89
4
false
Increase defensive factor exposure
P9455
Hands-off
Roth
USD
2024-10-28
193,940
11,278
182,662
1
55.9
22.2
13
8.9
QQQ:24.1%;XLF:13.7%;IEF:24.1%;GLD:13.9%;VOO:24.1%
US:69.8;EU:12.1;APAC:8.3;EM:9.8;Other:0.0
Value:-0.1;Growth:+0.3;Quality:+0.4;Size:-0.7;Momentum:+0.9;LowVol:+0.8
null
10
30
3.3
hard 10%
136
18.2
Bull
16.9
4.66
3.1
101
88
86
57
false
Rebalance
Shift +1% to bonds from equity
13
15
BrokerD
MKT
92
null
null
Normal monitoring
115
-35
80
3
false
Within IPS guidelines
P9456
Opportunistic
Roth
USD
2024-08-08
631,188
39,415
591,773
1
72.4
10.4
9
8.1
TLT:20.9%;VOO:12.1%;XLF:20.9%;VNQ:20.9%;MSFT:7.2%;HYG:17.9%
US:68.5;EU:13.7;APAC:8.6;EM:8.6;Other:0.6
Value:+0.6;Growth:-0.5;Quality:-0.5;Size:-0.6;Momentum:+0.8;LowVol:+0.4
MaxPos8%
5
30
6.2
trailing 9%
195
24.2
Bull
11
4.74
2.2
119
48
88
42
false
Buy
Add to core equity +1%
13
-36
BrokerD
LMT
91
null
null
Normal monitoring
-28
-5
-58
3
false
Increase defensive factor exposure
P9457
Opportunistic
Roth
USD
2025-10-04
375,728
27,196
348,532
1
70.5
13
10.9
5.7
IEF:33.3%;AAPL:33.3%;VNQ:33.3%
US:63.7;EU:6.6;APAC:16.8;EM:7.1;Other:5.8
Value:0.0;Growth:+0.7;Quality:+0.2;Size:-0.3;Momentum:-0.8;LowVol:-0.4
null
6
25
6.1
trailing 9%
270
27.7
Volatile
30
5.33
2.6
120
-38
41
81
true
Hedge
Buy index puts 1% notional
12
-15
BrokerC
LMT
95
VAR>budget
TightenStops
Risk above budget threshold
70
-36
145
2
false
Tax-aware sells next window
P9458
Hands-off
Roth
USD
2025-04-17
815,901
43,981
771,920
1
72.3
20.4
1.8
5.5
AAPL:12.8%;XLF:19.4%;MUB:13.6%;VNQ:12.1%;VTI:21.1%;TLT:21.1%
US:64.6;EU:18.7;APAC:11.8;EM:3.8;Other:1.0
Value:+0.1;Growth:+0.4;Quality:-0.5;Size:-0.3;Momentum:-0.2;LowVol:+0.8
ESGOnly;MaxPos8%;NoDerivatives
6
25
4.2
trailing 10%
138
14
Volatile
28.7
3.57
3.3
168
64
86
73
true
Reduce
Cut high-beta by 2-3%, add cash
7
-16
BrokerD
LMT
89
VAR>budget
Reduce
Risk above budget threshold
73
-55
130
3
false
Within IPS guidelines
P9459
Systematic
Trust
USD
2024-08-26
600,374
29,281
571,093
1
61.6
31.8
0
6.6
AMZN:17.9%;HYG:24.2%;BND:24.2%;VOO:24.2%;TSLA:9.4%
US:67.1;EU:7.4;APAC:12.8;EM:7.4;Other:5.3
Value:+0.9;Growth:+0.5;Quality:-0.4;Size:+0.9;Momentum:+0.7;LowVol:+0.4
null
10
25
4.1
trailing 9%
159
20.6
Sideways
20
4.37
2.8
132
-3
34
64
false
Sell
Trim extended winner -1%
28
-14
BrokerC
MKT
87
null
null
Normal monitoring
93
-4
189
4
false
Monitor dispersion and breadth
P9460
Active
Roth
USD
2024-11-18
613,912
47,891
566,021
1
64.3
25
4.9
5.7
AMZN:21.6%;QQQ:21.6%;BND:11.8%;MSFT:21.6%;VOO:12.6%;MUB:10.8%
US:67.6;EU:13.0;APAC:6.0;EM:9.2;Other:4.1
Value:+0.7;Growth:+0.8;Quality:+0.8;Size:+0.6;Momentum:-0.6;LowVol:+0.6
MaxPos8%;NoDerivatives
8
30
4.7
trailing 8%
207
26.7
Bull
16.6
4.36
3.2
78
100
100
61
true
Hedge
Buy index puts 1% notional
-1
0
BrokerD
MKT
89
Drift>tolerance
Hedge
Allocation drift beyond policy bands
7
-51
65
4
false
Increase defensive factor exposure
P9461
Opportunistic
Trust
USD
2025-10-27
952,864
63,900
888,964
1
64
11.5
19.8
4.8
TSLA:32.7%;XLF:33.6%;TLT:33.6%
US:75.1;EU:11.3;APAC:5.6;EM:5.6;Other:2.3
Value:+0.2;Growth:-0.0;Quality:-0.7;Size:+0.7;Momentum:+0.5;LowVol:+0.3
MaxPos6%
5
35
6.4
trailing 9%
280
32.4
Bull
15.4
3.93
2.4
114
102
96
58
false
Sell
Trim extended winner -1%
2
-30
BrokerA
LMT
98
null
null
Normal monitoring
29
-30
123
3
false
Tax-aware sells next window
P9462
Systematic
Trust
USD
2025-12-05
455,309
38,416
416,893
1
63.9
27
0
9.1
MSFT:25.7%;MUB:22.8%;AAPL:25.7%;AMZN:25.7%
US:69.7;EU:16.1;APAC:10.0;EM:3.7;Other:0.6
Value:+0.8;Growth:+0.4;Quality:+0.4;Size:-0.8;Momentum:-1.0;LowVol:+0.5
MaxPos6%
7
30
4.7
trailing 8%
217
23
Bull
11.1
4.04
2.8
87
66
78
39
false
Sell
Trim extended winner -1%
-10
12
BrokerD
LMT
86
null
null
Normal monitoring
-26
-25
-17
5
false
Monitor dispersion and breadth
P9463
Active
Trust
USD
2025-02-07
1,070,731
119,010
951,721
1.07
50.5
25.2
17.3
6.9
HYG:26.7%;AMZN:26.7%;MUB:19.9%;VNQ:26.7%
US:74.9;EU:8.5;APAC:12.0;EM:3.6;Other:1.0
Value:+0.2;Growth:+0.2;Quality:+0.2;Size:+1.0;Momentum:-0.7;LowVol:+0.8
MaxPos8%;NoDerivatives
10
30
5.7
trailing 8%
147
22.5
Sideways
14.4
4.57
2.6
94
22
56
37
false
Buy
Add to core equity +1%
6
-17
BrokerB
LMT
91
null
null
Normal monitoring
19
-49
131
3
false
Tax-aware sells next window
P9464
Cautious
Trust
USD
2025-06-10
680,571
72,898
607,673
1
44
41.5
0
14.5
MSFT:12.9%;VTI:8.5%;TSLA:21.7%;BRK.B:21.7%;VNQ:19.0%;VOO:16.1%
US:65.6;EU:14.4;APAC:8.2;EM:7.5;Other:4.4
Value:+1.0;Growth:+0.5;Quality:-0.3;Size:+0.9;Momentum:0.0;LowVol:-0.0
NoMargin
8
35
3.5
trailing 10%
169
15.1
Volatile
20.9
4.02
3.2
124
78
76
50
false
Sell
Trim extended winner -1%
31
-12
BrokerD
MKT
93
null
null
Normal monitoring
-37
-9
18
5
false
Monitor dispersion and breadth
P9465
Hands-off
Taxable
USD
2025-10-14
827,501
44,372
783,129
1
61.1
20.5
10.7
7.7
VOO:26.9%;MSFT:19.2%;XLF:26.9%;BND:26.9%
US:65.0;EU:12.2;APAC:12.3;EM:7.9;Other:2.7
Value:+0.2;Growth:+0.9;Quality:0.0;Size:-0.7;Momentum:-0.2;LowVol:-0.9
MaxPos8%
10
30
3.1
trailing 10%
131
12.1
Bull
14.3
3.7
2.5
116
119
100
38
false
Buy
Add to core equity +1%
5
12
BrokerA
LMT
86
null
null
Normal monitoring
25
0
48
4
false
Within IPS guidelines
P9466
Opportunistic
IRA
USD
2025-09-16
791,735
44,244
747,491
1
73.1
18.8
2.3
5.9
GLD:28.4%;AAPL:28.4%;MUB:14.9%;IEF:28.4%
US:62.0;EU:20.0;APAC:10.0;EM:4.6;Other:3.4
Value:-0.1;Growth:+0.6;Quality:-0.0;Size:+0.4;Momentum:+0.6;LowVol:+0.6
null
10
30
6.9
trailing 9%
170
31.4
Bull
16.9
3.97
3.4
99
1
62
51
false
NoAction
Within bands; monitor
15
9
BrokerB
LMT
86
null
null
Normal monitoring
11
-27
-13
4
false
Within IPS guidelines
P9467
Active
IRA
USD
2025-12-01
1,009,924
77,455
932,469
1
50.5
22.2
20.9
6.4
GLD:24.1%;IEF:25.3%;BRK.B:25.3%;AAPL:25.3%
US:64.6;EU:14.5;APAC:10.2;EM:8.7;Other:2.0
Value:+0.1;Growth:-0.9;Quality:-0.8;Size:-0.3;Momentum:-0.4;LowVol:-0.9
null
8
25
4.5
trailing 8%
175
23.2
Sideways
22
3.72
2.9
95
47
68
59
false
Rebalance
Shift +1% to bonds from equity
4
-18
BrokerD
VWAP
96
null
null
Normal monitoring
-12
-26
-27
5
false
Increase defensive factor exposure
P9468
Opportunistic
IRA
USD
2024-11-25
1,258,484
51,354
1,207,130
1
76.4
10.5
8.3
4.8
BRK.B:21.6%;AMZN:21.6%;XLF:21.6%;VTI:17.5%;TLT:17.6%
US:66.0;EU:13.4;APAC:13.8;EM:4.5;Other:2.4
Value:-0.4;Growth:-0.5;Quality:+0.7;Size:+0.9;Momentum:+0.4;LowVol:+0.5
null
7
25
4.6
trailing 7%
179
30.8
Sideways
15.8
3.53
3.5
103
8
45
63
false
NoAction
Within bands; monitor
-8
-24
BrokerB
LMT
100
null
null
Normal monitoring
18
-56
73
4
false
Within IPS guidelines
P9469
Hands-off
Roth
USD
2025-08-12
606,212
49,384
556,828
1
67.5
24.1
0
8.5
AMZN:22.7%;BRK.B:22.7%;VNQ:14.2%;GLD:17.7%;BND:22.7%
US:67.9;EU:9.9;APAC:9.7;EM:8.3;Other:4.2
Value:+0.2;Growth:-0.1;Quality:+0.1;Size:+0.9;Momentum:-0.0;LowVol:+0.8
ESGOnly
7
35
5.1
hard 10%
136
19
Sideways
17.2
4.17
3.5
108
-9
38
51
false
Sell
Trim extended winner -1%
-10
-17
BrokerB
LMT
88
null
null
Normal monitoring
40
16
116
5
false
Monitor dispersion and breadth
P9470
Hands-off
Taxable
USD
2025-10-10
832,524
72,338
760,186
1
57.3
23.6
12.7
6.4
MUB:23.8%;XLF:26.5%;BND:26.5%;VTI:23.3%
US:57.7;EU:19.9;APAC:13.2;EM:4.5;Other:4.7
Value:+0.2;Growth:-0.8;Quality:+0.3;Size:-0.7;Momentum:-0.7;LowVol:+0.6
ESGOnly
5
25
4.4
hard 10%
147
15.7
Volatile
20.2
5.44
3.1
167
-40
17
54
false
Rebalance
Shift +1% to bonds from equity
29
-31
BrokerC
MKT
92
null
null
Normal monitoring
87
-53
135
5
false
Tighten stops on momentum names
P9471
Active
Trust
USD
2025-10-15
860,900
80,672
780,228
1
60.7
22.1
10.2
7.1
QQQ:9.8%;GLD:23.7%;IEF:8.2%;MSFT:23.7%;TSLA:11.6%;XLF:23.0%
US:59.3;EU:18.8;APAC:7.0;EM:9.6;Other:5.2
Value:-0.7;Growth:-0.9;Quality:+0.7;Size:+0.9;Momentum:+0.4;LowVol:-0.2
null
6
25
4.8
trailing 9%
168
22.4
Bull
12.2
4.7
3.2
89
81
96
37
false
Rebalance
Shift +1% to bonds from equity
-9
-24
BrokerC
LMT
89
null
null
Normal monitoring
54
18
188
5
false
Tax-aware sells next window
P9472
Systematic
Roth
USD
2025-09-02
1,595,460
68,960
1,526,500
1
68.1
23.6
1
7.4
MUB:8.1%;QQQ:20.9%;TLT:19.3%;AMZN:20.9%;TSLA:20.1%;GLD:10.6%
US:71.5;EU:10.9;APAC:8.1;EM:8.1;Other:1.5
Value:+0.4;Growth:-0.4;Quality:+0.8;Size:+0.2;Momentum:+0.8;LowVol:-0.2
MaxPos5%;NoDerivatives
5
25
4.2
trailing 9%
166
26.6
Sideways
15.1
3.95
2.3
125
56
78
51
false
Rebalance
Shift +1% to bonds from equity
-4
-9
BrokerC
LMT
88
null
null
Normal monitoring
9
-12
132
3
false
Within IPS guidelines
P9473
Systematic
Taxable
USD
2025-06-03
711,137
44,097
667,040
1
65
26.1
0
8.9
HYG:22.2%;AMZN:21.6%;XLF:18.5%;QQQ:15.5%;AAPL:22.2%
US:74.4;EU:9.3;APAC:9.7;EM:6.0;Other:0.6
Value:+0.3;Growth:+0.4;Quality:+0.7;Size:-0.4;Momentum:-0.3;LowVol:-0.0
MaxPos7%
5
35
4.6
trailing 8%
128
21.9
Bull
12.8
4.56
2.1
94
32
64
47
false
Hedge
Add TLT +1% as duration hedge
19
-8
BrokerB
MKT
100
null
null
Normal monitoring
20
-5
97
3
false
Tighten stops on momentum names
P9474
Cautious
Taxable
USD
2025-12-09
336,910
45,872
291,038
1
35.9
39
14.9
10.2
HYG:12.0%;VNQ:21.2%;VTI:21.2%;XLF:12.2%;AMZN:17.6%;MSFT:15.8%
US:74.5;EU:13.6;APAC:6.2;EM:3.7;Other:2.0
Value:+0.8;Growth:-0.2;Quality:+1.0;Size:-0.1;Momentum:+0.1;LowVol:-0.0
NoMargin
5
35
4
trailing 10%
108
12
Bear
28.9
3.79
2.9
186
-19
25
51
false
Sell
Trim extended winner -1%
6
12
BrokerC
MKT
97
null
null
Normal monitoring
-6
0
-30
4
false
Tighten stops on momentum names
P9475
Hands-off
401k
USD
2025-04-25
734,280
59,984
674,296
1
59.7
24.5
10.3
5.6
VNQ:29.2%;VOO:29.2%;TSLA:12.5%;XLF:29.2%
US:69.9;EU:9.8;APAC:10.8;EM:8.3;Other:1.2
Value:-0.4;Growth:0.0;Quality:+0.9;Size:-1.0;Momentum:-0.4;LowVol:-0.5
MaxPos6%
10
35
3.1
trailing 8%
115
19.2
Bull
15.7
3.91
2.1
109
53
77
41
true
Reduce
Cut high-beta by 2-3%, add cash
-14
-21
BrokerB
MKT
89
VAR>budget
Reduce
Risk above budget threshold
61
14
127
4
false
Increase defensive factor exposure
P9476
Active
Trust
USD
2024-09-13
2,089,221
238,821
1,850,400
1
56.8
19.9
15
8.3
AAPL:17.1%;TSLA:8.1%;HYG:21.0%;VTI:15.9%;QQQ:18.7%;BND:19.3%
US:68.1;EU:8.4;APAC:16.0;EM:7.4;Other:0.1
Value:+0.6;Growth:+0.5;Quality:+0.4;Size:+0.8;Momentum:-0.3;LowVol:-0.7
null
6
35
5.6
trailing 9%
226
25.7
Bull
12.1
3.8
2.2
84
105
94
32
false
Sell
Trim extended winner -1%
6
-18
BrokerB
MKT
89
null
null
Normal monitoring
27
-7
124
3
false
Within IPS guidelines
P9477
Opportunistic
Taxable
USD
2025-01-16
936,315
61,232
875,083
1
63.4
10.5
18.4
7.8
BRK.B:22.1%;GLD:22.1%;VTI:22.1%;QQQ:17.1%;XLF:16.7%
US:75.6;EU:13.7;APAC:6.1;EM:4.3;Other:0.3
Value:+0.4;Growth:+0.2;Quality:-0.9;Size:-0.1;Momentum:+0.4;LowVol:-0.4
null
10
35
4.5
hard 12%
261
33.7
Bull
16.7
4.13
2.8
102
84
90
48
false
Rebalance
Shift +1% to bonds from equity
-14
-5
BrokerB
LMT
92
null
null
Normal monitoring
81
-25
144
4
false
Monitor dispersion and breadth
P9478
Active
Taxable
USD
2025-08-15
734,035
72,908
661,127
1
62.9
21.4
9
6.6
TLT:22.6%;VOO:25.0%;HYG:25.0%;BRK.B:14.3%;VNQ:13.1%
US:66.6;EU:13.1;APAC:7.7;EM:8.4;Other:4.3
Value:+0.3;Growth:+0.6;Quality:-0.7;Size:+0.2;Momentum:-0.1;LowVol:+0.4
null
8
25
5
trailing 8%
175
21.8
Bear
30.4
4.25
1
186
-76
23
71
true
Reduce
Cut high-beta by 2-3%, add cash
10
-31
BrokerD
LMT
94
Drift>tolerance
Reduce
Allocation drift beyond policy bands
-35
-49
0
5
false
Within IPS guidelines
P9479
Cautious
Roth
USD
2025-10-05
859,369
81,896
777,473
1
48.4
40.2
0
11.4
AAPL:33.3%;VTI:33.3%;VNQ:33.3%
US:62.0;EU:11.6;APAC:11.4;EM:12.1;Other:2.8
Value:-0.7;Growth:+0.1;Quality:-0.6;Size:-0.2;Momentum:-0.0;LowVol:-1.0
ESGOnly;MaxPos8%;NoDerivatives;NoMargin
5
25
3.1
hard 10%
101
15.5
Bull
14.5
4.85
2.7
87
21
46
48
false
Rebalance
Shift +1% to bonds from equity
-14
8
BrokerA
MKT
96
null
null
Normal monitoring
-17
-27
77
3
false
Tax-aware sells next window
P9480
Active
Trust
USD
2025-02-04
764,907
71,211
693,696
1.23
68.3
23.1
1.1
7.5
TLT:24.1%;TSLA:25.3%;MUB:25.3%;BND:25.3%
US:67.9;EU:15.4;APAC:13.0;EM:3.3;Other:0.4
Value:-0.6;Growth:-0.8;Quality:+0.9;Size:+0.3;Momentum:-0.4;LowVol:-0.9
null
10
25
4.1
trailing 8%
212
27.2
Volatile
31.9
4.88
3.6
121
19
59
83
true
Hedge
Buy index puts 1% notional
18
-7
BrokerD
VWAP
96
Drift>tolerance
Reduce
Allocation drift beyond policy bands
37
-1
22
2
false
Tighten stops on momentum names
P9481
Systematic
Trust
USD
2024-09-02
1,998,841
128,965
1,869,876
1
59
22.1
10.4
8.5
MSFT:16.4%;AMZN:23.6%;VOO:15.1%;VTI:23.6%;BND:21.3%
US:66.3;EU:17.6;APAC:6.2;EM:5.1;Other:4.9
Value:-0.4;Growth:-0.7;Quality:+0.7;Size:0.0;Momentum:+0.8;LowVol:-0.2
NoDerivatives
6
35
5.4
trailing 8%
129
24.4
Bear
27.3
3.26
2.2
144
-73
22
64
false
Rebalance
Shift +1% to bonds from equity
25
-13
BrokerC
LMT
87
null
null
Normal monitoring
-11
-20
-19
5
false
Within IPS guidelines
P9482
Hands-off
Trust
USD
2025-03-12
342,617
21,661
320,956
1
68.8
21.8
0
9.5
HYG:24.0%;AMZN:26.4%;GLD:23.2%;VTI:26.4%
US:62.1;EU:12.4;APAC:12.2;EM:9.2;Other:4.1
Value:+0.1;Growth:-0.1;Quality:+0.3;Size:+0.6;Momentum:-0.9;LowVol:+0.7
MaxPos7%
6
35
5.4
hard 10%
101
14.7
Volatile
28.5
5.34
3.6
124
-51
17
79
true
Hedge
Buy index puts 1% notional
26
-38
BrokerC
MKT
87
VAR>budget
Reduce
Risk above budget threshold
54
-35
86
3
false
Monitor dispersion and breadth
P9483
Systematic
Roth
USD
2025-03-30
1,223,580
107,511
1,116,069
1
65.7
25.3
2.5
6.5
TLT:21.0%;GLD:21.0%;IEF:21.0%;VNQ:16.1%;VTI:21.0%
US:58.2;EU:14.7;APAC:14.1;EM:9.3;Other:3.7
Value:+0.9;Growth:-0.9;Quality:-0.8;Size:+0.1;Momentum:-0.5;LowVol:-0.7
MaxPos7%;NoDerivatives
5
35
5.1
trailing 9%
121
17.1
Volatile
26.9
5.31
4.2
135
22
69
72
true
Reduce
Cut high-beta by 2-3%, add cash
17
-25
BrokerC
MKT
85
Drift>tolerance
Hedge
Allocation drift beyond policy bands
33
-46
136
4
false
Tax-aware sells next window
P9484
Opportunistic
401k
USD
2025-02-09
1,068,344
63,799
1,004,545
1
72.2
12.8
8.2
6.8
HYG:33.3%;AAPL:33.3%;BRK.B:33.3%
US:64.5;EU:11.8;APAC:9.6;EM:9.4;Other:4.7
Value:-1.0;Growth:-0.6;Quality:-0.1;Size:0.0;Momentum:+0.5;LowVol:-0.2
NoDerivatives
6
35
5.2
trailing 7%
174
34.5
Bear
22
4.16
2.2
199
-61
9
71
true
Reduce
Cut high-beta by 2-3%, add cash
10
-23
BrokerC
LMT
89
Drift>tolerance
Hedge
Allocation drift beyond policy bands
69
-34
98
2
false
Tighten stops on momentum names
P9485
Active
Roth
USD
2025-07-25
2,176,929
186,214
1,990,715
1
58.3
29.2
6.8
5.7
IEF:11.1%;QQQ:17.9%;MSFT:13.8%;HYG:17.2%;BND:20.1%;VOO:19.9%
US:59.8;EU:19.0;APAC:8.4;EM:10.4;Other:2.4
Value:-0.7;Growth:-0.4;Quality:0.0;Size:+0.9;Momentum:-0.5;LowVol:+0.8
NoDerivatives
5
35
4.2
trailing 9%
142
24.4
Bear
23.8
3.12
3
192
-39
43
69
true
Hedge
Buy index puts 1% notional
18
-22
BrokerC
LMT
85
Drift>tolerance
Hedge
Allocation drift beyond policy bands
-2
-14
-14
2
false
Tighten stops on momentum names
P9486
Systematic
IRA
USD
2024-11-18
1,023,308
75,499
947,809
1
60.7
33.3
0
6
BND:18.6%;VTI:20.9%;VNQ:30.3%;VOO:30.3%
US:76.0;EU:6.0;APAC:9.8;EM:4.4;Other:3.9
Value:-0.5;Growth:-0.5;Quality:+0.4;Size:-0.3;Momentum:+0.9;LowVol:+0.3
MaxPos7%;NoDerivatives
7
25
5
hard 12%
150
22.9
Sideways
15.5
4.79
2.5
127
1
36
40
false
Buy
Add to core equity +1%
-3
-1
BrokerD
LMT
97
null
null
Normal monitoring
50
-6
75
3
false
Tax-aware sells next window
P9487
Cautious
IRA
USD
2025-07-10
688,650
96,453
592,197
1
50
35.5
0
14.5
HYG:27.1%;AMZN:27.1%;VOO:18.8%;AAPL:27.0%
US:60.0;EU:13.8;APAC:11.4;EM:11.0;Other:3.8
Value:-0.3;Growth:-0.5;Quality:+0.9;Size:-0.4;Momentum:+1.0;LowVol:+0.4
ESGOnly;NoMargin
5
35
4.9
hard 10%
130
14.4
Bull
17.6
4.82
2.2
73
58
70
36
false
Buy
Add to core equity +1%
5
-20
BrokerB
LMT
94
null
null
Normal monitoring
62
14
53
3
false
Within IPS guidelines
P9488
Hands-off
IRA
USD
2025-01-17
288,174
23,657
264,517
1
65.8
25
3
6.2
VTI:10.9%;HYG:22.3%;TLT:14.5%;BND:12.2%;QQQ:22.3%;MUB:17.7%
US:69.1;EU:9.2;APAC:13.2;EM:4.0;Other:4.5
Value:-0.3;Growth:+0.4;Quality:-0.1;Size:+0.9;Momentum:+0.6;LowVol:-0.2
null
5
25
3.7
trailing 10%
93
13.4
Sideways
17.4
3.7
2.1
116
14
52
45
false
Rebalance
Shift +1% to bonds from equity
-4
-30
BrokerB
MKT
90
null
null
Normal monitoring
-46
-4
-79
3
false
Increase defensive factor exposure
P9489
Cautious
Roth
USD
2025-01-12
754,772
110,550
644,222
1
47.1
41.6
0
11.3
MSFT:33.3%;BRK.B:33.3%;TLT:33.3%
US:65.1;EU:13.4;APAC:6.4;EM:14.2;Other:1.0
Value:-0.7;Growth:+0.1;Quality:-0.2;Size:-0.4;Momentum:-0.1;LowVol:-0.8
MaxPos6%;NoDerivatives;NoMargin
6
30
5.6
trailing 8%
157
16.1
Bull
13.7
4.83
2.1
96
34
59
25
false
Rebalance
Shift +1% to bonds from equity
8
14
BrokerD
LMT
96
null
null
Normal monitoring
-57
19
-93
3
false
Monitor dispersion and breadth
P9490
Hands-off
Taxable
USD
2025-05-26
428,732
21,939
406,793
1
68.2
23.8
0
8
HYG:21.7%;VOO:21.7%;AAPL:19.4%;TSLA:21.7%;VTI:15.5%
US:67.0;EU:8.8;APAC:14.5;EM:8.4;Other:1.2
Value:+0.6;Growth:-0.8;Quality:+0.9;Size:-0.1;Momentum:+0.3;LowVol:-0.5
null
7
25
5.4
trailing 8%
94
16.3
Bear
28.8
3.88
1.8
172
18
49
80
true
Hedge
Buy index puts 1% notional
-9
8
BrokerC
LMT
99
Drift>tolerance
Reduce
Allocation drift beyond policy bands
67
4
145
5
false
Within IPS guidelines
P9491
Hands-off
Roth
USD
2024-10-11
333,796
16,146
317,650
1
62.6
22.2
9.7
5.5
VOO:21.0%;AMZN:14.2%;BRK.B:13.4%;TSLA:12.6%;TLT:21.0%;HYG:17.8%
US:64.1;EU:20.5;APAC:6.7;EM:5.4;Other:3.3
Value:-0.6;Growth:-0.8;Quality:+0.4;Size:-0.2;Momentum:+1.0;LowVol:-1.0
ESGOnly;NoDerivatives
8
25
3.7
trailing 8%
98
17.8
Bull
14
3.92
3
98
34
76
40
false
Buy
Add to core equity +1%
26
2
BrokerC
MKT
87
null
null
Normal monitoring
-19
-53
17
3
false
Tighten stops on momentum names
P9492
Cautious
IRA
USD
2024-10-29
519,537
53,095
466,442
1
36.7
34.6
10.8
17.9
AAPL:25.0%;XLF:25.0%;AMZN:25.0%;VNQ:25.0%
US:63.9;EU:10.2;APAC:16.9;EM:5.2;Other:3.9
Value:+0.6;Growth:-0.2;Quality:-0.8;Size:+0.1;Momentum:+0.7;LowVol:-0.3
ESGOnly;NoDerivatives;NoMargin
10
35
3.3
hard 10%
151
19.9
Bull
11.8
4.7
2.9
102
44
62
31
false
Rebalance
Shift +1% to bonds from equity
23
-4
BrokerD
LMT
95
null
null
Normal monitoring
58
-58
81
5
false
Increase defensive factor exposure
P9493
Hands-off
Trust
USD
2024-08-11
441,951
36,490
405,461
1
61.2
29.1
4.2
5.5
VNQ:17.6%;MUB:21.1%;HYG:21.1%;XLF:17.2%;BRK.B:12.0%;GLD:10.9%
US:66.0;EU:11.2;APAC:9.9;EM:7.4;Other:5.5
Value:-0.4;Growth:-0.0;Quality:+0.1;Size:-0.1;Momentum:+0.5;LowVol:-0.4
ESGOnly
7
25
4.8
hard 10%
95
15.2
Volatile
21.6
4.11
4.1
148
-4
42
60
false
Rebalance
Shift +1% to bonds from equity
32
-4
BrokerA
MKT
91
null
null
Normal monitoring
53
-27
67
5
false
Tax-aware sells next window
P9494
Hands-off
Trust
USD
2024-12-24
379,137
26,997
352,140
1
67.6
15.7
7.3
9.5
AMZN:33.3%;GLD:33.3%;HYG:33.3%
US:79.8;EU:7.3;APAC:6.7;EM:5.2;Other:1.0
Value:-0.2;Growth:+0.9;Quality:-0.8;Size:-0.2;Momentum:-0.2;LowVol:+0.7
ESGOnly;NoDerivatives
10
30
4.8
trailing 8%
127
13.1
Bull
11
4.41
3.4
75
98
93
48
false
Buy
Add to core equity +1%
7
-17
BrokerC
LMT
89
null
null
Normal monitoring
-41
-28
82
5
false
Tax-aware sells next window
P9495
Hands-off
Roth
USD
2025-09-10
378,619
35,498
343,121
1
70
23.6
0
6.4
VOO:26.5%;XLF:26.5%;TLT:26.5%;IEF:20.4%
US:62.3;EU:16.5;APAC:6.4;EM:10.6;Other:4.2
Value:-0.5;Growth:-0.7;Quality:-0.8;Size:+0.6;Momentum:+0.4;LowVol:+0.4
ESGOnly
6
35
5.5
trailing 8%
129
13.9
Volatile
26.3
4.9
2.4
180
5
44
74
true
Hedge
Buy index puts 1% notional
-7
-28
BrokerA
MKT
88
Drift>tolerance
Hedge
Allocation drift beyond policy bands
-27
-52
13
5
false
Tighten stops on momentum names
P9496
Active
IRA
USD
2024-07-23
973,543
110,110
863,433
1
63.5
26.4
1.6
8.6
VTI:33.3%;BRK.B:33.3%;VNQ:33.3%
US:57.8;EU:18.0;APAC:10.5;EM:11.4;Other:2.2
Value:-0.1;Growth:-1.0;Quality:-0.0;Size:+0.2;Momentum:-0.0;LowVol:-0.3
null
7
25
5.4
trailing 9%
127
21.7
Bear
31.9
3.27
2.2
150
-36
46
76
true
Hedge
Buy index puts 1% notional
22
-19
BrokerD
MKT
100
VAR>budget
Reduce
Risk above budget threshold
90
-44
224
5
false
Monitor dispersion and breadth
P9497
Opportunistic
Roth
USD
2025-07-22
511,550
30,400
481,150
1
70.3
14.5
7.1
8
HYG:25.9%;AMZN:22.3%;BND:25.9%;MSFT:25.9%
US:68.8;EU:18.4;APAC:5.8;EM:5.8;Other:1.2
Value:-1.0;Growth:-0.8;Quality:+0.2;Size:+0.2;Momentum:+0.5;LowVol:+0.1
MaxPos8%
7
25
6.5
trailing 9%
186
20.3
Bear
34
3.6
2
179
-38
46
91
true
Hedge
Buy index puts 1% notional
-12
-7
BrokerB
MKT
85
VAR>budget
Hedge
Risk above budget threshold
-37
-54
-46
2
false
Within IPS guidelines
P9498
Hands-off
401k
USD
2025-12-10
771,518
51,904
719,614
1
59.4
26.1
7.6
6.8
VNQ:34.0%;HYG:34.0%;AMZN:32.1%
US:66.0;EU:11.9;APAC:13.3;EM:4.5;Other:4.2
Value:-0.9;Growth:-0.8;Quality:0.0;Size:+0.4;Momentum:+0.7;LowVol:+0.2
MaxPos5%
10
25
4.2
hard 10%
96
14.3
Bull
17.8
4.35
3
96
120
100
60
false
Rebalance
Shift +1% to bonds from equity
15
-25
BrokerB
MKT
90
null
null
Normal monitoring
-28
16
15
4
false
Increase defensive factor exposure
P9499
Cautious
401k
USD
2025-06-05
542,714
76,029
466,685
1
48.1
41.7
0
10.2
BRK.B:33.3%;MSFT:33.3%;QQQ:33.3%
US:72.3;EU:5.3;APAC:9.2;EM:11.2;Other:2.1
Value:-0.4;Growth:+0.1;Quality:-0.5;Size:-0.4;Momentum:+0.7;LowVol:-0.7
ESGOnly;NoMargin
7
25
5.8
trailing 8%
167
13.6
Bull
17.7
4.99
3.3
111
35
65
37
false
Buy
Add to core equity +1%
28
-15
BrokerA
MKT
85
null
null
Normal monitoring
-34
-2
-68
5
false
Increase defensive factor exposure
P9500
Hands-off
IRA
USD
2024-08-05
433,264
38,202
395,062
1
68.1
23.1
0
8.8
GLD:19.0%;VTI:15.3%;MSFT:13.6%;XLF:10.5%;TSLA:20.8%;TLT:20.8%
US:63.1;EU:17.0;APAC:13.6;EM:5.6;Other:0.6
Value:-0.6;Growth:+0.1;Quality:-0.6;Size:-0.7;Momentum:+1.0;LowVol:+0.1
MaxPos6%;NoDerivatives
10
35
3.5
trailing 8%
98
17.5
Bull
17.4
4.07
3.3
73
48
84
59
false
Buy
Add to core equity +1%
3
-31
BrokerB
LMT
87
null
null
Normal monitoring
54
-31
20
4
false
Tighten stops on momentum names