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
P9801
Hands-off
Roth
USD
2025-02-10
416,152
23,038
393,114
1
74
18.6
0
7.4
BRK.B:15.8%;QQQ:24.0%;HYG:24.0%;TLT:23.1%;BND:13.0%
US:58.9;EU:17.4;APAC:12.1;EM:9.9;Other:1.7
Value:-0.5;Growth:+0.9;Quality:+0.8;Size:+0.5;Momentum:+0.2;LowVol:-0.5
null
6
25
3.8
trailing 8%
133
14.6
Bull
14.9
3.95
2.8
78
83
100
50
false
NoAction
Within bands; monitor
30
-24
BrokerC
MKT
0
null
null
Normal monitoring
82
-37
175
4
false
Monitor dispersion and breadth
P9802
Hands-off
401k
USD
2025-05-25
858,838
59,694
799,144
1
59
23.2
11.3
6.5
VOO:20.4%;TSLA:21.2%;GLD:11.0%;BND:13.0%;AMZN:21.2%;VNQ:13.2%
US:61.0;EU:17.2;APAC:11.7;EM:9.6;Other:0.4
Value:-0.2;Growth:-0.4;Quality:+0.3;Size:-0.1;Momentum:+0.4;LowVol:-0.6
ESGOnly
7
25
4.5
hard 10%
108
14.2
Bull
15
3.5
2.4
110
43
56
47
false
NoAction
Within bands; monitor
-1
11
BrokerA
LMT
85
null
null
Normal monitoring
58
-53
141
3
false
Increase defensive factor exposure
P9803
Opportunistic
401k
USD
2024-10-06
1,450,180
54,213
1,395,967
1
70.3
13.1
8.9
7.6
AMZN:33.3%;VOO:33.3%;VTI:33.3%
US:69.2;EU:9.0;APAC:11.4;EM:6.5;Other:3.9
Value:+0.2;Growth:+0.5;Quality:+0.3;Size:+0.3;Momentum:+0.8;LowVol:+0.6
MaxPos6%
10
30
5.9
hard 12%
187
20.6
Bear
28.7
4.11
1.9
209
-42
23
77
true
Reduce
Cut high-beta by 2-3%, add cash
29
2
BrokerA
LMT
86
RegimeShift
Reduce
Volatility spike and breadth deterioration
102
-33
183
4
false
Within IPS guidelines
P9804
Active
Trust
USD
2025-09-23
1,329,633
154,978
1,174,655
1
66.3
26.9
0
6.8
MSFT:16.9%;AAPL:20.9%;IEF:20.9%;TLT:17.8%;AMZN:12.2%;MUB:11.3%
US:67.6;EU:13.1;APAC:11.2;EM:4.2;Other:3.9
Value:-0.7;Growth:-0.5;Quality:+0.7;Size:-0.5;Momentum:+0.3;LowVol:-0.1
MaxPos6%;NoDerivatives
10
25
5.6
trailing 9%
190
19.1
Bear
34.9
3.55
2.4
219
-38
34
93
true
Hedge
Buy index puts 1% notional
12
-25
BrokerB
LMT
95
VAR>budget
Reduce
Risk above budget threshold
113
-6
220
3
false
Increase defensive factor exposure
P9805
Hands-off
401k
USD
2025-08-14
373,716
30,538
343,178
1
60.9
26.1
4.7
8.3
IEF:22.6%;AMZN:22.6%;BND:20.4%;MUB:20.5%;VOO:13.8%
US:63.7;EU:14.6;APAC:13.0;EM:8.7;Other:0.0
Value:+0.5;Growth:-0.6;Quality:+0.4;Size:-0.8;Momentum:+0.2;LowVol:-0.3
MaxPos5%
7
25
4.9
trailing 8%
133
15.7
Volatile
20.2
3.84
2.2
111
-30
25
64
false
NoAction
Within bands; monitor
5
-9
BrokerB
LMT
89
null
null
Normal monitoring
75
-22
88
5
false
Increase defensive factor exposure
P9806
Cautious
IRA
USD
2025-11-17
353,078
39,934
313,144
1
43.1
37.6
1.5
17.8
QQQ:29.2%;MUB:29.2%;GLD:12.5%;AMZN:29.2%
US:72.8;EU:11.8;APAC:7.4;EM:7.8;Other:0.2
Value:-0.5;Growth:-1.0;Quality:-0.1;Size:+0.4;Momentum:+0.7;LowVol:+0.2
MaxPos8%;NoMargin
10
35
4.2
trailing 10%
92
13.3
Bear
30.1
3.06
2.2
208
11
41
57
false
Sell
Trim extended winner -1%
-9
11
BrokerD
VWAP
94
null
null
Normal monitoring
-42
-43
4
4
false
Tax-aware sells next window
P9807
Cautious
Roth
USD
2024-11-09
564,794
79,252
485,542
1
51.2
31
2.8
15
MUB:19.0%;VOO:12.0%;VNQ:20.5%;VTI:14.9%;AAPL:20.3%;GLD:13.3%
US:62.0;EU:13.4;APAC:13.0;EM:9.4;Other:2.2
Value:-0.8;Growth:-0.7;Quality:+0.5;Size:+0.5;Momentum:+0.2;LowVol:-0.7
NoMargin
10
30
3.9
trailing 10%
108
14.7
Volatile
22.5
3.94
3.7
123
16
68
62
false
Buy
Add to core equity +1%
-8
4
BrokerD
MKT
93
null
null
Normal monitoring
49
19
108
5
false
Within IPS guidelines
P9808
Hands-off
Trust
USD
2025-02-10
860,180
57,705
802,475
1
64.3
28
0
7.8
TSLA:33.3%;VTI:33.3%;VOO:33.3%
US:73.2;EU:6.2;APAC:12.6;EM:4.7;Other:3.2
Value:-0.0;Growth:+0.4;Quality:-0.1;Size:+0.7;Momentum:-0.4;LowVol:+0.8
MaxPos7%
5
30
4.7
trailing 8%
139
18.9
Bull
16.4
4.62
3.4
72
105
100
46
false
NoAction
Within bands; monitor
3
-27
BrokerA
LMT
92
null
null
Normal monitoring
49
-40
47
3
false
Monitor dispersion and breadth
P9809
Hands-off
IRA
USD
2025-03-29
158,374
11,545
146,829
1
66.7
27.9
0
5.4
AMZN:27.5%;XLF:27.5%;MSFT:27.5%;MUB:17.5%
US:61.9;EU:15.4;APAC:13.8;EM:7.7;Other:1.3
Value:+0.8;Growth:+0.3;Quality:-0.2;Size:+0.6;Momentum:-0.1;LowVol:-0.4
ESGOnly
7
35
3.4
trailing 8%
151
14.7
Volatile
28.5
4.6
4.3
163
70
75
74
true
Hedge
Buy index puts 1% notional
27
-40
BrokerD
MKT
95
Drift>tolerance
Reduce
Allocation drift beyond policy bands
-20
-47
-31
5
false
Tighten stops on momentum names
P9810
Opportunistic
IRA
USD
2025-01-17
614,047
25,630
588,417
1
73.5
15.2
7.3
4.1
VOO:16.7%;VTI:12.3%;VNQ:25.3%;AMZN:25.3%;QQQ:20.4%
US:74.8;EU:8.8;APAC:6.7;EM:8.5;Other:1.2
Value:+0.6;Growth:+0.1;Quality:-0.4;Size:+0.5;Momentum:0.0;LowVol:-0.4
null
10
30
6.5
trailing 7%
242
34.6
Volatile
22.6
4.68
2.5
134
40
71
74
true
Hedge
Buy index puts 1% notional
-8
8
BrokerD
MKT
87
VAR>budget
Reduce
Risk above budget threshold
33
-15
127
3
false
Increase defensive factor exposure
P9811
Active
Taxable
USD
2025-08-22
2,242,224
241,452
2,000,772
1
55.8
28.9
10.2
5.1
HYG:25.8%;XLF:17.6%;BND:13.4%;TSLA:17.4%;VTI:25.8%
US:66.3;EU:12.5;APAC:12.0;EM:8.9;Other:0.4
Value:+1.0;Growth:+0.8;Quality:+1.0;Size:-0.0;Momentum:-0.4;LowVol:+0.3
MaxPos8%;NoDerivatives
8
30
4
trailing 9%
156
27.3
Bear
27
3.11
1.6
139
-68
25
69
false
Sell
Trim extended winner -1%
20
10
BrokerB
LMT
90
null
null
Normal monitoring
93
-60
116
3
false
Within IPS guidelines
P9812
Hands-off
Roth
USD
2025-07-07
530,322
50,616
479,706
1
66.3
20.1
8
5.6
GLD:21.7%;MUB:18.3%;VTI:15.5%;AMZN:21.7%;TSLA:10.0%;BND:12.9%
US:68.3;EU:11.5;APAC:11.8;EM:6.0;Other:2.3
Value:+0.6;Growth:-0.7;Quality:+0.7;Size:+0.5;Momentum:-0.0;LowVol:+0.9
null
8
25
4.8
hard 10%
148
17.3
Sideways
18.6
4.43
3.3
125
54
72
53
true
Reduce
Cut high-beta by 2-3%, add cash
23
-4
BrokerC
LMT
100
VAR>budget
Reduce
Risk above budget threshold
7
-1
-26
3
false
Increase defensive factor exposure
P9813
Active
401k
USD
2025-03-25
2,301,204
246,680
2,054,524
1
61.2
23.1
8.5
7.2
VNQ:22.0%;GLD:17.9%;HYG:22.0%;TSLA:16.6%;MSFT:12.9%;VOO:8.7%
US:63.8;EU:9.9;APAC:10.6;EM:11.2;Other:4.4
Value:+0.1;Growth:-0.2;Quality:-0.1;Size:+0.2;Momentum:+0.7;LowVol:0.0
null
7
25
5
hard 12%
153
20.1
Bear
23.3
3.59
1.9
137
4
60
66
false
Buy
Add to core equity +1%
11
-5
BrokerB
LMT
85
null
null
Normal monitoring
78
-43
213
5
false
Tighten stops on momentum names
P9814
Hands-off
Roth
USD
2025-09-04
164,700
9,879
154,821
1
57.3
20.5
16.3
5.9
HYG:23.4%;TSLA:14.0%;TLT:15.8%;AMZN:23.4%;IEF:23.4%
US:63.1;EU:8.3;APAC:15.5;EM:10.5;Other:2.7
Value:-0.3;Growth:-1.0;Quality:-0.6;Size:+0.3;Momentum:+0.7;LowVol:-0.3
ESGOnly
8
30
4
trailing 8%
159
12.8
Volatile
28.2
5.34
3.8
125
-10
46
75
true
Reduce
Cut high-beta by 2-3%, add cash
29
-38
BrokerD
VWAP
88
Drift>tolerance
Hedge
Allocation drift beyond policy bands
-35
5
-3
5
false
Increase defensive factor exposure
P9815
Hands-off
Trust
USD
2024-12-13
719,808
69,417
650,391
1
64.6
19.4
7
9
TSLA:16.0%;BRK.B:24.4%;MSFT:17.8%;BND:24.4%;VNQ:17.4%
US:60.3;EU:16.4;APAC:13.3;EM:5.1;Other:4.8
Value:-0.2;Growth:-0.1;Quality:-0.8;Size:-0.7;Momentum:+0.7;LowVol:+0.6
ESGOnly
10
35
4.6
trailing 8%
151
19.4
Sideways
17.7
4.21
2.8
111
30
79
63
false
Sell
Trim extended winner -1%
32
-27
BrokerA
VWAP
100
null
null
Normal monitoring
62
-40
41
3
false
Monitor dispersion and breadth
P9816
Active
401k
USD
2024-07-24
1,264,810
117,217
1,147,593
1
66.8
27.5
0
5.6
MUB:16.9%;TSLA:27.7%;QQQ:27.7%;AAPL:27.7%
US:74.5;EU:6.7;APAC:6.9;EM:8.8;Other:3.1
Value:-1.0;Growth:+0.9;Quality:-0.9;Size:+0.5;Momentum:+0.3;LowVol:+0.4
null
6
30
4.7
hard 12%
148
16
Sideways
15.4
4.71
3.2
137
37
59
40
false
Buy
Add to core equity +1%
3
-25
BrokerB
MKT
94
null
null
Normal monitoring
-12
-33
-7
5
false
Increase defensive factor exposure
P9817
Systematic
Taxable
USD
2024-12-07
558,730
42,231
516,499
1
63.1
30.9
0
6.1
IEF:20.8%;MUB:9.9%;TSLA:18.2%;QQQ:15.1%;VOO:15.3%;BND:20.8%
US:77.0;EU:13.4;APAC:5.8;EM:3.6;Other:0.2
Value:-0.5;Growth:-0.4;Quality:-0.7;Size:+0.1;Momentum:+0.6;LowVol:+0.1
MaxPos8%;NoDerivatives
8
30
5.3
trailing 9%
127
18.3
Bull
17.6
3.78
2
101
26
58
50
true
Hedge
Buy index puts 1% notional
13
-11
BrokerC
LMT
98
VAR>budget
Reduce
Risk above budget threshold
87
-39
113
2
false
Monitor dispersion and breadth
P9818
Hands-off
IRA
USD
2025-02-14
882,222
45,127
837,095
1
65.1
26.3
0
8.7
AMZN:28.0%;BRK.B:16.1%;MSFT:28.0%;VOO:28.0%
US:68.0;EU:14.8;APAC:12.7;EM:3.8;Other:0.7
Value:-0.3;Growth:-0.7;Quality:+0.1;Size:-0.2;Momentum:-0.0;LowVol:+0.5
null
7
30
5.7
trailing 8%
146
19.3
Volatile
31.1
4.01
3.9
116
-34
29
89
true
Hedge
Buy index puts 1% notional
29
-26
BrokerD
MKT
99
Drift>tolerance
Hedge
Allocation drift beyond policy bands
101
-57
104
4
false
Tighten stops on momentum names
P9819
Hands-off
IRA
USD
2025-04-05
598,634
52,236
546,398
1
68.1
27.1
0
4.7
TSLA:21.0%;BRK.B:19.9%;IEF:17.4%;VOO:20.8%;MSFT:21.0%
US:67.8;EU:11.6;APAC:14.7;EM:3.9;Other:1.9
Value:-0.4;Growth:-0.6;Quality:-0.3;Size:+0.7;Momentum:+0.3;LowVol:+0.3
MaxPos7%;NoDerivatives
5
30
5.4
trailing 8%
99
18.9
Sideways
18.4
3.82
2
106
10
50
54
false
NoAction
Within bands; monitor
9
-32
BrokerD
VWAP
88
null
null
Normal monitoring
75
-1
63
3
false
Tax-aware sells next window
P9820
Hands-off
IRA
USD
2024-11-29
614,701
50,154
564,547
1
65.4
27.3
0
7.3
TSLA:33.3%;QQQ:33.3%;VOO:33.3%
US:72.9;EU:7.2;APAC:6.8;EM:10.3;Other:2.7
Value:-0.0;Growth:-0.7;Quality:+0.8;Size:-0.5;Momentum:+0.7;LowVol:+0.7
null
10
25
5.5
trailing 8%
155
12.1
Bull
12.2
4.72
2.7
71
99
100
44
false
Rebalance
Shift +1% to bonds from equity
33
-29
BrokerB
VWAP
86
null
null
Normal monitoring
31
4
166
5
false
Tighten stops on momentum names
P9821
Opportunistic
401k
USD
2024-10-03
1,748,907
80,492
1,668,415
1.13
62.9
13.8
17.2
6.1
QQQ:22.3%;VTI:10.7%;AAPL:17.6%;BND:8.7%;TLT:18.4%;MUB:22.3%
US:56.1;EU:17.7;APAC:13.4;EM:8.7;Other:4.2
Value:-0.0;Growth:-0.9;Quality:+0.3;Size:-0.1;Momentum:+0.4;LowVol:+0.6
null
8
25
4.3
trailing 9%
266
24.9
Bear
34
3.72
2.2
200
10
53
95
true
Rebalance
Rebalance back to target bands
23
-36
BrokerD
LMT
94
VAR>budget
Hedge
Risk above budget threshold
112
-16
151
2
false
Within IPS guidelines
P9822
Systematic
Roth
USD
2025-06-17
625,952
51,963
573,989
1
62.4
30.8
0
6.7
BND:22.4%;VNQ:22.4%;AMZN:8.4%;BRK.B:9.8%;AAPL:14.7%;GLD:22.4%
US:61.4;EU:15.7;APAC:14.5;EM:4.6;Other:3.8
Value:+0.2;Growth:-0.2;Quality:-0.8;Size:-0.2;Momentum:+0.7;LowVol:-0.7
null
7
30
4.7
hard 12%
216
20.2
Volatile
24.4
5.45
4.1
136
58
81
56
false
Buy
Add to core equity +1%
-14
-37
BrokerC
MKT
90
null
null
Normal monitoring
83
9
186
3
false
Tax-aware sells next window
P9823
Opportunistic
Trust
USD
2025-01-11
1,499,821
132,190
1,367,631
1
60.6
14.2
19.9
5.3
MSFT:21.0%;QQQ:22.6%;AAPL:22.6%;VNQ:11.2%;XLF:22.6%
US:64.6;EU:18.3;APAC:9.2;EM:5.2;Other:2.7
Value:-0.2;Growth:-0.1;Quality:+0.8;Size:+0.5;Momentum:-0.1;LowVol:-0.8
null
6
25
4.8
trailing 7%
217
33.4
Bull
14.1
4.73
2.5
109
89
100
49
false
Rebalance
Shift +1% to bonds from equity
5
-23
BrokerA
LMT
99
null
null
Normal monitoring
43
0
6
3
false
Tax-aware sells next window
P9824
Active
Taxable
USD
2025-07-27
1,061,853
104,648
957,205
1
59.2
20.8
11.8
8.2
GLD:13.8%;VNQ:20.5%;AMZN:16.4%;VOO:15.4%;VTI:17.3%;HYG:16.5%
US:61.8;EU:12.5;APAC:9.4;EM:12.6;Other:3.6
Value:-0.0;Growth:+0.5;Quality:+0.9;Size:-0.6;Momentum:-0.4;LowVol:+0.9
MaxPos5%
5
25
5
trailing 9%
189
20.6
Bull
13.6
4.18
2
83
14
52
50
false
Buy
Add to core equity +1%
10
-4
BrokerD
LMT
94
null
null
Normal monitoring
-12
-40
-19
3
false
Tax-aware sells next window
P9825
Active
401k
USD
2024-09-30
2,099,342
161,863
1,937,479
1.2
57.4
24.7
8.2
9.7
BND:33.3%;HYG:33.3%;AMZN:33.3%
US:77.0;EU:6.9;APAC:10.9;EM:5.0;Other:0.2
Value:-0.4;Growth:+0.4;Quality:+0.5;Size:-0.3;Momentum:+0.9;LowVol:-0.3
null
10
35
5.7
trailing 8%
224
20.9
Volatile
20.1
3.8
2.5
113
-10
52
44
false
Buy
Add to core equity +1%
26
-26
BrokerB
MKT
89
null
null
Normal monitoring
84
-23
81
5
false
Tighten stops on momentum names
P9826
Active
Taxable
USD
2025-09-16
2,280,692
247,167
2,033,525
1
51
28
14.4
6.6
HYG:21.2%;AAPL:22.3%;QQQ:22.3%;BRK.B:15.8%;VNQ:18.3%
US:71.9;EU:8.9;APAC:7.5;EM:9.7;Other:2.1
Value:-0.4;Growth:-0.3;Quality:-0.8;Size:-0.3;Momentum:+0.6;LowVol:-0.8
null
6
25
5.7
trailing 8%
155
27.3
Volatile
30.4
5.33
3.5
151
69
86
76
true
Rebalance
Rebalance back to target bands
5
-37
BrokerD
MKT
89
Drift>tolerance
Reduce
Allocation drift beyond policy bands
76
-51
63
4
false
Increase defensive factor exposure
P9827
Hands-off
IRA
USD
2025-08-14
675,056
31,873
643,183
1
63.6
27.4
0
9.1
VTI:16.8%;MUB:12.3%;TLT:14.4%;GLD:15.1%;VOO:20.7%;HYG:20.7%
US:66.8;EU:10.2;APAC:8.1;EM:9.1;Other:5.7
Value:+0.2;Growth:+0.7;Quality:-1.0;Size:-0.3;Momentum:-0.4;LowVol:-0.3
null
5
35
3.4
hard 10%
110
13.2
Bull
13.8
3.96
2.3
84
51
71
53
false
Buy
Add to core equity +1%
21
-36
BrokerA
MKT
94
null
null
Normal monitoring
92
-20
88
5
false
Within IPS guidelines
P9828
Opportunistic
Roth
USD
2025-01-23
1,137,641
50,988
1,086,653
1
73.7
21.5
0
4.8
MSFT:26.2%;TLT:21.5%;IEF:26.2%;VTI:26.2%
US:70.0;EU:8.8;APAC:12.8;EM:6.0;Other:2.5
Value:-0.5;Growth:0.0;Quality:+0.4;Size:+0.1;Momentum:+0.1;LowVol:-0.8
null
7
25
5.9
trailing 7%
255
30.6
Bull
16.2
4.7
3.2
103
35
81
58
false
Buy
Add to core equity +1%
25
-19
BrokerC
LMT
93
null
null
Normal monitoring
16
-50
5
3
false
Tax-aware sells next window
P9829
Opportunistic
Roth
USD
2025-08-12
317,332
25,055
292,277
1.13
74.7
14.1
4.3
7
MSFT:33.3%;BRK.B:33.3%;VTI:33.3%
US:61.5;EU:20.3;APAC:10.6;EM:6.9;Other:0.6
Value:-0.6;Growth:-0.1;Quality:-0.0;Size:+0.3;Momentum:-0.7;LowVol:-0.8
null
6
35
5.8
trailing 9%
255
30.8
Sideways
17.1
4.17
3
128
12
41
65
false
Buy
Add to core equity +1%
21
-30
BrokerD
MKT
90
null
null
Normal monitoring
85
-36
215
5
false
Within IPS guidelines
P9830
Hands-off
Roth
USD
2025-02-01
690,342
68,696
621,646
1
61.8
20.4
11.9
5.9
AAPL:33.3%;BRK.B:33.3%;VOO:33.3%
US:61.7;EU:18.2;APAC:10.8;EM:6.5;Other:2.8
Value:-0.7;Growth:-0.2;Quality:-0.2;Size:+0.6;Momentum:-0.9;LowVol:-0.9
ESGOnly;MaxPos6%
7
30
5.5
trailing 8%
120
14.7
Volatile
28.4
4.12
3.8
175
50
81
78
true
Rebalance
Rebalance back to target bands
-10
-6
BrokerB
VWAP
89
RegimeShift
Reduce
Volatility spike and breadth deterioration
-29
-25
-20
4
false
Tighten stops on momentum names
P9831
Hands-off
IRA
USD
2024-12-07
414,458
35,754
378,704
1
58.2
19.9
16.9
5
XLF:15.5%;TLT:16.1%;VTI:20.4%;IEF:20.4%;VNQ:7.9%;BRK.B:19.7%
US:64.5;EU:9.5;APAC:13.2;EM:8.3;Other:4.5
Value:-0.8;Growth:+0.1;Quality:-0.5;Size:-1.0;Momentum:-0.5;LowVol:-0.6
ESGOnly;NoDerivatives
7
30
4.8
hard 10%
150
18.9
Sideways
21.8
4.93
2.7
109
25
66
58
false
Rebalance
Shift +1% to bonds from equity
5
7
BrokerB
MKT
97
null
null
Normal monitoring
109
4
129
5
false
Increase defensive factor exposure
P9832
Cautious
Trust
USD
2024-10-20
482,046
42,230
439,816
1
50.1
39.8
0
10
TSLA:13.5%;BRK.B:17.8%;IEF:13.0%;GLD:20.8%;AAPL:14.1%;QQQ:20.8%
US:70.6;EU:12.9;APAC:4.8;EM:11.1;Other:0.6
Value:+0.1;Growth:-0.1;Quality:+0.3;Size:-0.1;Momentum:-0.9;LowVol:-0.1
ESGOnly;NoDerivatives;NoMargin
6
35
4
hard 10%
93
18.3
Bull
13.7
3.92
3.2
94
21
53
40
false
Rebalance
Shift +1% to bonds from equity
23
10
BrokerC
MKT
100
null
null
Normal monitoring
-48
-30
6
5
false
Increase defensive factor exposure
P9833
Active
401k
USD
2024-10-16
1,766,769
179,824
1,586,945
1
61.8
30.1
0
8.1
GLD:33.3%;XLF:33.3%;TSLA:33.3%
US:67.1;EU:10.5;APAC:10.5;EM:7.8;Other:4.2
Value:-0.5;Growth:0.0;Quality:-0.1;Size:+0.6;Momentum:-0.4;LowVol:-0.5
null
10
30
5.8
hard 12%
151
17.1
Bull
14.5
4.48
2.3
111
107
97
44
false
Sell
Trim extended winner -1%
7
-1
BrokerD
LMT
86
null
null
Normal monitoring
51
-9
68
4
false
Tax-aware sells next window
P9834
Hands-off
Trust
USD
2024-09-01
244,241
20,426
223,815
1
55.7
28.2
9.8
6.3
AAPL:33.3%;IEF:33.3%;VNQ:33.3%
US:70.7;EU:16.7;APAC:5.3;EM:5.3;Other:2.1
Value:0.0;Growth:+0.7;Quality:+0.4;Size:-0.9;Momentum:-0.4;LowVol:-0.0
null
6
35
3.1
trailing 8%
151
14.4
Bull
17.8
4.63
3
101
26
67
57
false
Buy
Add to core equity +1%
2
15
BrokerC
LMT
94
null
null
Normal monitoring
-23
-49
-9
4
false
Monitor dispersion and breadth
P9835
Cautious
IRA
USD
2024-07-28
250,249
29,490
220,759
1
41.5
32.9
10.8
14.7
VTI:14.3%;BRK.B:24.5%;TSLA:24.5%;VOO:13.4%;MSFT:23.2%
US:70.8;EU:8.2;APAC:9.9;EM:7.2;Other:4.0
Value:+1.0;Growth:-0.8;Quality:-0.3;Size:+0.4;Momentum:-0.1;LowVol:+0.3
MaxPos5%;NoMargin
5
30
5.3
hard 10%
96
18.5
Bear
30.1
3.28
2.8
213
28
73
66
false
Buy
Add to core equity +1%
29
-21
BrokerA
MKT
93
null
null
Normal monitoring
73
-43
193
4
false
Increase defensive factor exposure
P9836
Hands-off
Taxable
USD
2025-11-23
797,234
61,788
735,446
1
65
22.5
5.2
7.3
BRK.B:27.2%;HYG:18.5%;GLD:27.2%;AAPL:27.2%
US:66.2;EU:10.7;APAC:6.9;EM:11.8;Other:4.3
Value:-0.2;Growth:-0.7;Quality:-0.3;Size:+0.7;Momentum:+0.9;LowVol:+0.7
ESGOnly;NoDerivatives
10
30
4.5
trailing 10%
143
15.4
Bull
12.2
3.93
3.3
103
64
91
39
false
Rebalance
Shift +1% to bonds from equity
-14
4
BrokerB
MKT
90
null
null
Normal monitoring
26
-14
100
4
false
Increase defensive factor exposure
P9837
Active
401k
USD
2025-01-29
2,419,173
238,490
2,180,683
1
58.4
28.7
7.4
5.5
TLT:33.3%;QQQ:33.3%;BND:33.3%
US:71.5;EU:6.6;APAC:12.0;EM:5.7;Other:4.2
Value:-0.8;Growth:-0.7;Quality:-0.3;Size:-0.2;Momentum:-0.7;LowVol:+0.7
null
7
25
4.1
hard 12%
124
26.1
Sideways
16.3
3.83
2.9
137
37
74
45
false
Hedge
Add TLT +1% as duration hedge
16
-24
BrokerB
MKT
90
null
null
Normal monitoring
-51
-58
3
5
false
Within IPS guidelines
P9838
Systematic
IRA
USD
2025-03-29
498,748
25,517
473,231
1
63.4
21.8
6.3
8.6
XLF:21.4%;VNQ:21.4%;TLT:20.0%;TSLA:16.6%;QQQ:20.5%
US:65.6;EU:10.8;APAC:13.8;EM:9.3;Other:0.5
Value:+0.3;Growth:-0.5;Quality:+0.1;Size:-0.5;Momentum:+0.4;LowVol:-0.2
MaxPos6%;NoDerivatives
8
35
5.7
trailing 9%
207
17.8
Bull
17.7
4.04
3.2
79
91
100
63
false
NoAction
Within bands; monitor
12
-11
BrokerC
LMT
93
null
null
Normal monitoring
23
-33
-4
4
false
Monitor dispersion and breadth
P9839
Opportunistic
Roth
USD
2024-08-08
308,431
13,598
294,833
1
62.6
13
15.8
8.7
HYG:25.1%;MSFT:29.7%;TLT:15.6%;IEF:29.7%
US:70.7;EU:5.6;APAC:13.0;EM:5.8;Other:4.9
Value:+1.0;Growth:+0.8;Quality:+0.3;Size:-0.5;Momentum:-0.4;LowVol:-0.4
NoDerivatives
7
35
6.6
trailing 7%
228
21.5
Bear
30.4
3.03
1.5
157
-77
10
73
true
Reduce
Cut high-beta by 2-3%, add cash
-7
-24
BrokerD
VWAP
92
VAR>budget
Pause
Risk above budget threshold
24
0
7
4
false
Within IPS guidelines
P9840
Active
Roth
USD
2024-10-11
1,213,067
130,297
1,082,770
1.25
55.2
22.1
15.8
6.9
IEF:21.3%;VTI:22.0%;QQQ:22.0%;BRK.B:19.2%;TSLA:15.4%
US:70.0;EU:15.1;APAC:6.1;EM:7.0;Other:1.7
Value:-0.2;Growth:0.0;Quality:-0.3;Size:-0.9;Momentum:+0.8;LowVol:+0.9
null
5
35
4.1
hard 12%
227
27.7
Volatile
20.1
5.3
2.4
142
-31
36
54
false
Buy
Add to core equity +1%
21
-35
BrokerD
LMT
89
null
null
Normal monitoring
76
16
142
4
false
Tax-aware sells next window
P9841
Cautious
Roth
USD
2024-11-22
186,463
18,737
167,726
1
41.7
42.8
2.8
12.7
TLT:22.2%;AMZN:7.9%;VOO:22.2%;HYG:17.7%;GLD:9.6%;QQQ:20.4%
US:68.0;EU:16.6;APAC:5.2;EM:8.6;Other:1.6
Value:-0.7;Growth:+0.7;Quality:-0.1;Size:+0.4;Momentum:+0.1;LowVol:-0.5
MaxPos5%;NoMargin
10
35
4.6
trailing 8%
101
12.6
Volatile
21.9
4.41
2.7
173
-52
28
46
false
Hedge
Add TLT +1% as duration hedge
-12
-9
BrokerD
LMT
86
null
null
Normal monitoring
95
19
90
5
false
Monitor dispersion and breadth
P9842
Hands-off
Trust
USD
2024-07-06
751,027
34,182
716,845
1
72
18.9
0
9
AMZN:21.4%;VOO:14.8%;VNQ:14.6%;MUB:24.5%;TSLA:24.5%
US:61.7;EU:7.4;APAC:15.3;EM:11.4;Other:4.1
Value:-0.7;Growth:-0.4;Quality:-0.6;Size:+1.0;Momentum:-0.5;LowVol:-0.9
MaxPos8%
8
35
3.4
hard 10%
124
16.7
Bull
11.5
4.89
2.4
74
86
87
36
true
Hedge
Buy index puts 1% notional
4
-15
BrokerA
MKT
99
RegimeShift
Hedge
Volatility spike and breadth deterioration
69
-49
153
3
false
Tax-aware sells next window
P9843
Hands-off
Taxable
USD
2024-12-30
795,250
66,185
729,065
1
73.6
18.5
0.7
7.2
MUB:25.6%;VTI:25.6%;BND:13.1%;GLD:18.9%;IEF:16.9%
US:62.8;EU:13.8;APAC:13.1;EM:5.6;Other:4.7
Value:-0.2;Growth:+0.1;Quality:-0.3;Size:+0.3;Momentum:-0.2;LowVol:-0.2
ESGOnly;MaxPos6%
8
30
4.4
trailing 8%
150
17
Volatile
29
4.92
2.3
164
-19
49
88
true
Hedge
Buy index puts 1% notional
-2
-4
BrokerD
MKT
90
Drift>tolerance
Pause
Allocation drift beyond policy bands
-3
-12
96
5
false
Within IPS guidelines
P9844
Active
401k
USD
2024-12-11
2,356,947
170,784
2,186,163
1
56.3
21.7
14.3
7.7
VTI:33.3%;BRK.B:33.3%;AMZN:33.3%
US:62.4;EU:9.7;APAC:13.9;EM:9.7;Other:4.3
Value:+1.0;Growth:+0.2;Quality:-0.3;Size:+0.7;Momentum:+0.6;LowVol:+0.1
MaxPos8%
6
35
4.6
trailing 9%
126
17.9
Bull
16
4.42
3.4
89
58
72
39
false
Buy
Add to core equity +1%
-6
-3
BrokerC
MKT
99
null
null
Normal monitoring
25
14
7
3
false
Within IPS guidelines
P9845
Active
401k
USD
2025-10-13
817,975
58,992
758,983
1
64.8
26.1
0
9.2
BND:15.8%;AMZN:25.0%;GLD:17.3%;VOO:25.0%;BRK.B:16.8%
US:60.1;EU:14.6;APAC:12.7;EM:10.9;Other:1.7
Value:-0.2;Growth:-0.3;Quality:+1.0;Size:+0.1;Momentum:+0.6;LowVol:-0.0
null
8
25
4.2
trailing 8%
129
22.2
Sideways
21.8
3.71
2.6
102
-14
52
58
false
Hedge
Add TLT +1% as duration hedge
-7
8
BrokerD
MKT
85
null
null
Normal monitoring
77
6
64
4
false
Within IPS guidelines
P9846
Active
Trust
USD
2025-03-02
2,178,600
235,566
1,943,034
1
51
30.1
12.6
6.3
AMZN:33.3%;HYG:33.3%;QQQ:33.3%
US:64.8;EU:12.6;APAC:10.7;EM:10.8;Other:1.0
Value:+1.0;Growth:+0.7;Quality:+0.6;Size:+0.3;Momentum:+0.7;LowVol:-0.5
MaxPos7%
8
35
4.2
hard 12%
181
22.4
Bull
16.9
4.91
2.7
102
7
53
53
true
Reduce
Cut high-beta by 2-3%, add cash
-15
-25
BrokerC
MKT
100
Drift>tolerance
TightenStops
Allocation drift beyond policy bands
-25
17
53
4
false
Within IPS guidelines
P9847
Active
Taxable
USD
2025-12-19
1,075,527
79,015
996,512
1
53.1
23.5
16.6
6.7
TLT:23.8%;XLF:8.1%;TSLA:20.5%;MSFT:23.8%;MUB:23.8%
US:63.4;EU:17.1;APAC:10.2;EM:8.5;Other:0.8
Value:-0.1;Growth:-0.8;Quality:-0.9;Size:-0.8;Momentum:-0.3;LowVol:-0.3
MaxPos8%;NoDerivatives
5
35
4.6
trailing 9%
204
24
Bull
16
3.53
2.4
85
38
75
51
false
Buy
Add to core equity +1%
33
-25
BrokerC
LMT
98
null
null
Normal monitoring
-18
-26
34
3
false
Monitor dispersion and breadth
P9848
Active
Roth
USD
2025-07-03
2,135,951
215,335
1,920,616
1.07
52.9
31.6
8.2
7.4
HYG:8.2%;MSFT:14.6%;BRK.B:10.9%;AAPL:22.1%;MUB:22.1%;VNQ:22.1%
US:66.1;EU:5.3;APAC:13.9;EM:11.4;Other:3.3
Value:-0.5;Growth:-0.9;Quality:+0.2;Size:-0.5;Momentum:+0.2;LowVol:-0.8
NoDerivatives
7
25
4.5
trailing 8%
201
24.9
Sideways
17.9
4.37
2.4
114
53
65
38
false
Hedge
Add TLT +1% as duration hedge
6
-2
BrokerC
MKT
90
null
null
Normal monitoring
-46
2
-73
5
false
Tighten stops on momentum names
P9849
Active
IRA
USD
2025-10-31
1,989,107
130,892
1,858,215
1
56.6
27.2
6.5
9.7
BRK.B:35.9%;BND:28.2%;AAPL:35.9%
US:65.2;EU:6.9;APAC:16.4;EM:7.8;Other:3.7
Value:-0.8;Growth:-0.3;Quality:-0.3;Size:+0.6;Momentum:-0.3;LowVol:+0.3
null
7
35
5.8
trailing 8%
220
21.8
Bull
14.5
4.73
2.5
87
83
96
50
false
Buy
Add to core equity +1%
14
-40
BrokerB
MKT
98
null
null
Normal monitoring
23
3
61
5
false
Tax-aware sells next window
P9850
Cautious
401k
USD
2024-12-25
268,744
27,052
241,692
1
42.7
30.5
10.8
16
VNQ:33.3%;TSLA:33.3%;VOO:33.3%
US:70.3;EU:6.3;APAC:16.0;EM:4.2;Other:3.2
Value:+0.1;Growth:+0.4;Quality:-0.0;Size:+0.8;Momentum:+0.4;LowVol:-0.1
ESGOnly;MaxPos6%;NoMargin
6
25
5.4
hard 10%
103
19.3
Volatile
22.4
4.68
3.5
132
-53
38
52
false
Rebalance
Shift +1% to bonds from equity
-14
-23
BrokerD
VWAP
91
null
null
Normal monitoring
34
7
164
3
false
Monitor dispersion and breadth
P9851
Active
Taxable
USD
2025-07-27
2,387,508
152,393
2,235,115
1
59.5
31.4
2.8
6.3
MSFT:11.3%;BRK.B:11.5%;TSLA:25.7%;QQQ:25.7%;BND:25.7%
US:63.8;EU:17.7;APAC:7.3;EM:8.3;Other:3.0
Value:+0.7;Growth:-0.9;Quality:+0.7;Size:+0.8;Momentum:+1.0;LowVol:-0.9
null
8
30
4.8
trailing 9%
217
23.7
Sideways
21
3.69
2.8
133
51
83
47
false
Rebalance
Shift +1% to bonds from equity
8
7
BrokerC
LMT
90
null
null
Normal monitoring
119
-28
97
5
false
Tighten stops on momentum names
P9852
Cautious
Trust
USD
2024-10-11
759,618
98,086
661,532
1
37
44.5
3.9
14.6
QQQ:15.5%;IEF:23.0%;TSLA:22.1%;MUB:16.5%;VNQ:23.0%
US:57.6;EU:19.0;APAC:17.0;EM:3.9;Other:2.5
Value:-0.8;Growth:-0.8;Quality:-0.3;Size:-0.1;Momentum:-0.4;LowVol:-0.7
NoMargin
10
35
3.5
trailing 8%
159
18.8
Bull
12.2
3.62
2.4
107
46
68
26
false
Rebalance
Shift +1% to bonds from equity
25
-33
BrokerB
LMT
95
null
null
Normal monitoring
25
-42
125
4
false
Tighten stops on momentum names
P9853
Active
Taxable
USD
2025-04-11
1,848,913
149,460
1,699,453
1
52.8
26.4
12.5
8.3
GLD:18.4%;BRK.B:18.6%;MUB:14.3%;MSFT:17.5%;VTI:20.5%;QQQ:10.8%
US:71.0;EU:6.1;APAC:14.5;EM:7.1;Other:1.2
Value:-0.9;Growth:+0.5;Quality:+0.7;Size:-0.0;Momentum:+0.2;LowVol:0.0
NoDerivatives
5
30
4.5
hard 12%
131
22.8
Volatile
22.2
5.01
3.7
180
51
65
57
false
Hedge
Add TLT +1% as duration hedge
23
-11
BrokerC
MKT
96
null
null
Normal monitoring
70
-8
43
4
false
Increase defensive factor exposure
P9854
Cautious
Trust
USD
2024-10-29
566,699
80,709
485,990
1
52.1
36.3
0
11.6
QQQ:25.6%;MSFT:25.6%;VTI:25.6%;TSLA:23.3%
US:69.8;EU:16.4;APAC:6.1;EM:5.8;Other:2.0
Value:+0.3;Growth:-0.1;Quality:-0.0;Size:+0.3;Momentum:-0.9;LowVol:+0.8
ESGOnly;NoDerivatives;NoMargin
5
25
5.7
trailing 10%
107
17.3
Bull
15.3
3.59
2.7
84
31
73
33
true
Hedge
Buy index puts 1% notional
-9
-14
BrokerC
LMT
88
Drift>tolerance
Reduce
Allocation drift beyond policy bands
43
19
91
4
false
Tighten stops on momentum names
P9855
Active
Trust
USD
2025-07-23
1,356,305
114,528
1,241,777
1.08
58.2
29.7
6
6.1
HYG:35.4%;TLT:29.2%;GLD:35.4%
US:68.8;EU:15.9;APAC:7.4;EM:5.9;Other:2.0
Value:-0.7;Growth:-0.5;Quality:-0.4;Size:-0.3;Momentum:+0.1;LowVol:+0.7
null
6
35
4.2
trailing 8%
177
21.7
Sideways
14.7
3.98
2.7
136
3
65
36
false
Hedge
Add TLT +1% as duration hedge
8
-2
BrokerA
MKT
93
null
null
Normal monitoring
7
12
79
5
false
Monitor dispersion and breadth
P9856
Opportunistic
Trust
USD
2025-04-13
1,075,044
71,327
1,003,717
1.21
63.3
13.7
15.5
7.5
MSFT:21.3%;AAPL:16.7%;QQQ:21.3%;GLD:15.9%;VTI:10.8%;TLT:13.9%
US:63.8;EU:10.9;APAC:14.6;EM:6.3;Other:4.4
Value:+0.9;Growth:-0.8;Quality:-0.1;Size:-0.2;Momentum:+0.6;LowVol:+0.1
null
5
35
5.9
hard 12%
196
28.7
Bear
23.3
3.15
2.2
158
-53
32
71
true
Rebalance
Rebalance back to target bands
24
5
BrokerD
MKT
89
VAR>budget
Hedge
Risk above budget threshold
15
6
80
3
false
Monitor dispersion and breadth
P9857
Active
401k
USD
2024-10-27
2,080,405
220,792
1,859,613
1
63
28.8
0
8.2
IEF:35.0%;MSFT:30.0%;VTI:35.0%
US:61.0;EU:14.3;APAC:12.2;EM:10.6;Other:1.9
Value:+0.5;Growth:+0.5;Quality:-0.3;Size:-0.4;Momentum:-0.2;LowVol:+1.0
MaxPos8%
10
30
4.5
hard 12%
158
26.6
Bull
11.1
3.66
2.2
112
25
69
47
false
Rebalance
Shift +1% to bonds from equity
13
0
BrokerA
MKT
88
null
null
Normal monitoring
110
-4
188
5
false
Within IPS guidelines
P9858
Active
Trust
USD
2024-12-17
956,020
58,481
897,539
1
52.6
24.9
15.3
7.2
AMZN:25.5%;MSFT:25.5%;HYG:23.4%;TLT:25.5%
US:76.2;EU:7.6;APAC:6.0;EM:8.9;Other:1.2
Value:+0.5;Growth:+0.5;Quality:-0.4;Size:-0.7;Momentum:-0.5;LowVol:+0.1
MaxPos5%;NoDerivatives
8
30
4.7
trailing 9%
141
16.7
Bear
33.7
3.08
2.3
217
-114
5
75
true
Hedge
Buy index puts 1% notional
1
-3
BrokerC
VWAP
100
RegimeShift
Reduce
Volatility spike and breadth deterioration
-51
-2
-22
4
false
Tighten stops on momentum names
P9859
Hands-off
Trust
USD
2025-07-11
337,230
21,416
315,814
1
56.8
25.5
9.8
7.9
MUB:15.8%;XLF:24.8%;TSLA:9.9%;BRK.B:24.8%;TLT:24.8%
US:69.9;EU:5.5;APAC:13.6;EM:9.2;Other:1.7
Value:+0.2;Growth:-0.6;Quality:+0.5;Size:0.0;Momentum:+0.4;LowVol:+0.6
MaxPos8%
5
35
5.3
trailing 8%
138
13.3
Volatile
30.2
4.28
4
159
-24
32
76
true
Hedge
Buy index puts 1% notional
21
-36
BrokerC
MKT
100
Drift>tolerance
Pause
Allocation drift beyond policy bands
110
1
228
2
false
Increase defensive factor exposure
P9860
Opportunistic
IRA
USD
2024-11-13
517,838
43,277
474,561
1
64.7
16.6
14
4.6
IEF:33.3%;VTI:33.3%;MUB:33.3%
US:63.9;EU:14.9;APAC:11.3;EM:7.4;Other:2.5
Value:+0.9;Growth:-0.1;Quality:+0.5;Size:-0.5;Momentum:-0.6;LowVol:-0.4
null
7
30
5.8
hard 12%
201
31.1
Sideways
14.8
3.8
2.6
104
33
78
49
false
Hedge
Add TLT +1% as duration hedge
8
6
BrokerB
LMT
94
null
null
Normal monitoring
26
-25
130
5
false
Within IPS guidelines
P9861
Opportunistic
Roth
USD
2025-07-20
1,527,681
127,791
1,399,890
1
72.5
11.3
8.7
7.4
AMZN:25.0%;TLT:25.0%;BRK.B:25.0%;VTI:25.0%
US:72.5;EU:8.2;APAC:9.9;EM:6.5;Other:2.9
Value:+0.3;Growth:+0.5;Quality:-0.0;Size:-0.0;Momentum:-1.0;LowVol:+0.7
null
7
25
6
trailing 7%
278
30.3
Bull
16
4.47
3.4
106
28
61
53
false
Buy
Add to core equity +1%
-11
-22
BrokerD
LMT
87
null
null
Normal monitoring
104
-26
225
4
false
Increase defensive factor exposure
P9862
Hands-off
Roth
USD
2025-02-01
498,466
23,750
474,716
1
56.2
25.4
10.7
7.7
AAPL:21.4%;MSFT:21.4%;HYG:15.6%;XLF:15.6%;IEF:11.4%;BRK.B:14.7%
US:55.9;EU:18.9;APAC:13.8;EM:8.5;Other:2.9
Value:+0.4;Growth:-0.1;Quality:+0.8;Size:+0.8;Momentum:0.0;LowVol:+1.0
null
5
25
4.3
trailing 8%
117
17.5
Volatile
27.3
4.38
3.5
119
-51
17
72
true
Hedge
Buy index puts 1% notional
35
-17
BrokerD
MKT
99
Drift>tolerance
Reduce
Allocation drift beyond policy bands
-50
-42
48
2
false
Increase defensive factor exposure
P9863
Systematic
Taxable
USD
2025-02-25
1,292,445
70,598
1,221,847
1
59
34.1
0
6.9
MUB:33.3%;QQQ:33.3%;BND:33.3%
US:65.1;EU:14.0;APAC:6.4;EM:9.8;Other:4.7
Value:-0.2;Growth:+0.7;Quality:-0.9;Size:0.0;Momentum:+0.5;LowVol:-0.3
MaxPos8%;NoDerivatives
6
25
4.7
trailing 8%
120
21.8
Bull
11.2
4.08
2.1
81
40
56
45
false
Buy
Add to core equity +1%
26
-5
BrokerA
MKT
95
null
null
Normal monitoring
83
19
122
5
false
Monitor dispersion and breadth
P9864
Cautious
IRA
USD
2025-10-15
896,077
89,299
806,778
1
43.6
40.1
0.4
15.9
GLD:20.7%;VTI:11.4%;MSFT:21.1%;QQQ:18.0%;HYG:21.1%;BND:7.6%
US:66.2;EU:13.4;APAC:9.1;EM:6.6;Other:4.7
Value:-0.3;Growth:-0.8;Quality:-0.6;Size:-0.6;Momentum:-0.1;LowVol:-0.3
ESGOnly;NoMargin
7
30
4.6
trailing 8%
142
13.7
Volatile
31.1
4.42
2.4
179
22
46
71
true
Reduce
Cut high-beta by 2-3%, add cash
2
-18
BrokerD
MKT
97
VAR>budget
Reduce
Risk above budget threshold
-33
-55
-51
2
false
Within IPS guidelines
P9865
Hands-off
Roth
USD
2025-11-10
697,466
59,053
638,413
1
71.7
20.6
1
6.6
MUB:14.4%;BRK.B:28.5%;GLD:28.5%;MSFT:28.5%
US:65.8;EU:11.7;APAC:10.6;EM:10.3;Other:1.7
Value:-0.7;Growth:+0.3;Quality:+0.2;Size:-0.3;Momentum:-0.8;LowVol:-0.2
ESGOnly;MaxPos6%
8
30
4.6
trailing 8%
155
15.7
Volatile
26
5.48
3.6
149
-23
47
65
false
Rebalance
Shift +1% to bonds from equity
10
8
BrokerA
MKT
91
null
null
Normal monitoring
60
19
129
4
false
Increase defensive factor exposure
P9866
Cautious
Roth
USD
2025-04-19
525,360
50,305
475,055
1
45
36.8
2.1
16
AMZN:16.6%;BRK.B:16.9%;VNQ:22.2%;XLF:22.2%;TSLA:22.2%
US:60.6;EU:19.5;APAC:13.2;EM:5.6;Other:1.1
Value:-1.0;Growth:+0.1;Quality:-0.1;Size:+0.8;Momentum:-0.7;LowVol:+0.9
NoMargin
10
25
4.1
trailing 8%
102
13.5
Volatile
22.9
3.69
3.5
142
-28
23
47
false
Buy
Add to core equity +1%
-10
-12
BrokerC
VWAP
92
null
null
Normal monitoring
-12
-50
-42
5
false
Tax-aware sells next window
P9867
Opportunistic
Trust
USD
2025-10-20
1,023,282
62,933
960,349
1
76.4
17.4
0
6.2
XLF:20.9%;HYG:11.8%;AMZN:10.6%;MUB:20.9%;QQQ:18.5%;TSLA:17.1%
US:73.2;EU:7.7;APAC:13.4;EM:4.3;Other:1.4
Value:+0.1;Growth:+0.5;Quality:+0.5;Size:+0.2;Momentum:+0.7;LowVol:+0.8
null
5
25
4.2
trailing 7%
278
22.7
Volatile
25.9
4.92
4.4
112
70
82
80
true
Hedge
Buy index puts 1% notional
-14
9
BrokerA
LMT
87
Drift>tolerance
TightenStops
Allocation drift beyond policy bands
37
-11
19
5
false
Tax-aware sells next window
P9868
Active
Taxable
USD
2025-11-06
2,154,244
145,452
2,008,792
1
52
21.4
21.1
5.4
VNQ:25.9%;GLD:25.9%;BND:22.3%;TLT:25.9%
US:57.5;EU:15.3;APAC:9.7;EM:12.2;Other:5.3
Value:+0.6;Growth:-0.9;Quality:-0.3;Size:+0.2;Momentum:-0.2;LowVol:+0.5
null
10
25
5.1
trailing 9%
218
22.2
Bear
31.2
3.57
2.6
193
13
42
68
false
Rebalance
Shift +1% to bonds from equity
-2
-24
BrokerC
LMT
89
null
null
Normal monitoring
-13
-15
-3
4
false
Tighten stops on momentum names
P9869
Active
Taxable
USD
2025-01-09
1,343,719
140,019
1,203,700
1
55.3
25.6
11.5
7.6
QQQ:18.6%;IEF:17.3%;VTI:19.0%;HYG:14.2%;VOO:8.7%;TLT:22.3%
US:75.4;EU:11.2;APAC:5.7;EM:6.3;Other:1.4
Value:-1.0;Growth:+0.8;Quality:-0.4;Size:-0.1;Momentum:+0.9;LowVol:-0.2
MaxPos6%
6
35
5.4
trailing 8%
222
19.6
Bull
11.1
4.38
2.2
77
103
90
28
false
NoAction
Within bands; monitor
7
-1
BrokerA
LMT
90
null
null
Normal monitoring
-34
-18
-23
4
false
Increase defensive factor exposure
P9870
Cautious
401k
USD
2025-07-11
704,160
87,637
616,523
1
46.5
36.2
4.6
12.7
MUB:33.3%;MSFT:33.3%;VTI:33.3%
US:69.0;EU:12.0;APAC:10.2;EM:5.0;Other:3.7
Value:+0.8;Growth:+0.6;Quality:+0.8;Size:-1.0;Momentum:-0.0;LowVol:+0.8
MaxPos5%;NoMargin
5
30
5.2
trailing 8%
121
18.4
Volatile
21.8
5.41
4.2
125
-41
14
49
false
Buy
Add to core equity +1%
6
-16
BrokerB
MKT
90
null
null
Normal monitoring
-33
-46
61
5
false
Tax-aware sells next window
P9871
Opportunistic
401k
USD
2025-11-18
595,677
25,684
569,993
1
75.5
13.5
6.3
4.8
AMZN:24.7%;GLD:14.7%;BRK.B:11.1%;XLF:24.7%;VOO:24.7%
US:78.3;EU:6.6;APAC:7.6;EM:5.5;Other:2.0
Value:+0.5;Growth:+0.1;Quality:-1.0;Size:-0.1;Momentum:-0.5;LowVol:-0.1
null
10
25
4.6
trailing 7%
178
21.5
Sideways
19.8
4.34
2.5
104
39
79
74
false
Sell
Trim extended winner -1%
-4
-40
BrokerB
MKT
95
null
null
Normal monitoring
52
-30
149
4
false
Within IPS guidelines
P9872
Cautious
IRA
USD
2025-04-06
680,093
93,369
586,724
1
49
32.9
2
16.1
TSLA:22.9%;GLD:19.4%;HYG:18.3%;QQQ:16.4%;TLT:22.9%
US:69.2;EU:17.6;APAC:7.7;EM:4.0;Other:1.5
Value:+0.6;Growth:+0.3;Quality:-0.2;Size:+0.7;Momentum:+1.0;LowVol:+0.7
MaxPos7%;NoMargin
5
35
4.7
trailing 8%
134
16.6
Bear
26.5
3.29
1
138
-51
15
55
false
Sell
Trim extended winner -1%
0
-5
BrokerC
VWAP
97
null
null
Normal monitoring
57
-33
178
5
false
Monitor dispersion and breadth
P9873
Systematic
Roth
USD
2025-04-15
1,327,900
83,482
1,244,418
1
60.1
27.7
4.1
8.1
VOO:14.2%;TLT:28.6%;VTI:28.6%;IEF:28.6%
US:66.9;EU:13.4;APAC:13.2;EM:4.1;Other:2.4
Value:+0.1;Growth:+0.3;Quality:-0.5;Size:+0.6;Momentum:-0.7;LowVol:+0.2
NoDerivatives
7
35
5.1
hard 12%
123
23.9
Bear
34.4
3.08
2.7
183
-29
48
86
true
Rebalance
Rebalance back to target bands
-7
-13
BrokerB
MKT
95
Drift>tolerance
Reduce
Allocation drift beyond policy bands
88
-5
199
4
false
Increase defensive factor exposure
P9874
Opportunistic
Taxable
USD
2024-10-19
1,064,596
44,696
1,019,900
1
71.5
15.6
5.7
7.2
VNQ:33.3%;AAPL:33.3%;VTI:33.3%
US:61.3;EU:17.0;APAC:9.6;EM:9.7;Other:2.3
Value:-0.5;Growth:-0.6;Quality:-1.0;Size:+0.5;Momentum:+1.0;LowVol:-0.3
MaxPos5%;NoDerivatives
7
25
7
trailing 7%
263
29.9
Bull
17.4
4.31
2
84
108
93
67
false
Rebalance
Shift +1% to bonds from equity
5
12
BrokerA
MKT
90
null
null
Normal monitoring
46
11
64
5
false
Tax-aware sells next window
P9875
Active
Taxable
USD
2025-06-06
2,330,587
174,259
2,156,328
1
64.7
24.5
5.2
5.6
BRK.B:23.7%;MSFT:15.0%;MUB:20.2%;HYG:17.4%;GLD:23.7%
US:56.7;EU:18.6;APAC:9.6;EM:9.8;Other:5.3
Value:-0.3;Growth:-0.0;Quality:0.0;Size:-0.5;Momentum:+0.3;LowVol:+0.5
NoDerivatives
6
25
4.6
trailing 9%
209
17.5
Bull
11.4
4.1
2.4
71
103
100
35
false
Hedge
Add TLT +1% as duration hedge
33
-25
BrokerB
LMT
97
null
null
Normal monitoring
-26
14
-57
5
false
Within IPS guidelines
P9876
Hands-off
Roth
USD
2025-02-21
521,309
38,787
482,522
1
69.7
17.9
6.7
5.6
MUB:25.5%;VOO:37.2%;VTI:37.2%
US:68.3;EU:16.0;APAC:7.1;EM:6.3;Other:2.2
Value:+0.7;Growth:+0.3;Quality:-0.7;Size:-0.6;Momentum:-0.9;LowVol:-0.1
null
5
30
3.1
trailing 8%
136
19
Bull
12.9
4.94
2.6
104
8
42
42
false
Buy
Add to core equity +1%
35
-2
BrokerB
LMT
86
null
null
Normal monitoring
118
-14
188
4
false
Monitor dispersion and breadth
P9877
Hands-off
401k
USD
2025-11-19
474,780
21,678
453,102
1
60.4
27.4
4.5
7.6
AAPL:28.4%;TSLA:28.4%;GLD:14.7%;MSFT:28.4%
US:73.6;EU:7.0;APAC:8.5;EM:10.5;Other:0.5
Value:-0.3;Growth:+0.9;Quality:-0.3;Size:-0.3;Momentum:0.0;LowVol:-0.8
ESGOnly;NoDerivatives
10
35
6
trailing 8%
132
14.2
Bear
29.3
4.06
1.4
180
-33
37
72
true
Rebalance
Rebalance back to target bands
-5
5
BrokerA
MKT
93
Drift>tolerance
Reduce
Allocation drift beyond policy bands
111
-43
177
4
false
Increase defensive factor exposure
P9878
Systematic
Trust
USD
2024-08-23
1,872,760
108,105
1,764,655
1
60.7
30.7
0
8.6
XLF:10.9%;BRK.B:21.5%;QQQ:19.2%;MUB:21.5%;TLT:7.2%;AAPL:19.7%
US:68.4;EU:16.8;APAC:6.0;EM:8.8;Other:0.0
Value:0.0;Growth:-0.4;Quality:+0.7;Size:+0.9;Momentum:+0.5;LowVol:+0.8
null
6
30
5.6
trailing 8%
197
23.2
Bull
17.1
4.7
2.4
111
61
84
50
false
Rebalance
Shift +1% to bonds from equity
-1
-31
BrokerB
MKT
94
null
null
Normal monitoring
93
-28
126
4
false
Monitor dispersion and breadth
P9879
Hands-off
Taxable
USD
2025-01-16
365,960
33,165
332,795
1
66.6
24.6
0
8.8
GLD:25.1%;TLT:14.0%;BND:25.1%;TSLA:20.2%;BRK.B:15.5%
US:65.5;EU:16.0;APAC:10.5;EM:3.7;Other:4.3
Value:+0.5;Growth:-0.0;Quality:-0.1;Size:+0.6;Momentum:-0.5;LowVol:-0.0
null
7
25
5.3
trailing 8%
130
14.8
Volatile
22
5.43
2.4
166
53
76
56
false
Sell
Trim extended winner -1%
-2
-31
BrokerD
MKT
93
null
null
Normal monitoring
8
-14
15
3
false
Within IPS guidelines
P9880
Active
Taxable
USD
2024-12-06
1,749,929
121,404
1,628,525
1
54.5
28.7
9.3
7.5
BND:33.3%;VNQ:33.3%;VOO:33.3%
US:63.3;EU:17.6;APAC:11.6;EM:6.9;Other:0.6
Value:+0.8;Growth:0.0;Quality:-0.2;Size:+0.2;Momentum:-0.4;LowVol:-0.2
NoDerivatives
6
35
5.5
hard 12%
141
20.9
Volatile
31.9
4.42
4.4
149
-19
45
83
true
Reduce
Cut high-beta by 2-3%, add cash
30
-5
BrokerA
MKT
86
VAR>budget
Reduce
Risk above budget threshold
-2
-41
56
5
false
Increase defensive factor exposure
P9881
Cautious
IRA
USD
2025-05-23
206,880
19,853
187,027
1
50
35.8
0
14.2
AMZN:21.8%;TSLA:15.3%;VOO:21.8%;QQQ:19.2%;HYG:21.8%
US:69.3;EU:14.7;APAC:7.6;EM:6.6;Other:1.7
Value:-0.9;Growth:+0.3;Quality:-0.4;Size:+0.2;Momentum:-0.7;LowVol:+0.9
ESGOnly;NoMargin
7
35
4.3
trailing 8%
115
15.9
Volatile
20.2
4.72
3.1
141
28
53
56
false
Buy
Add to core equity +1%
-3
-3
BrokerD
VWAP
91
null
null
Normal monitoring
39
4
160
3
false
Increase defensive factor exposure
P9882
Active
401k
USD
2025-08-11
1,521,005
127,186
1,393,819
1
67.7
25.4
0.8
6.1
BND:33.3%;XLF:33.3%;AMZN:33.3%
US:64.9;EU:8.3;APAC:13.4;EM:8.9;Other:4.5
Value:-0.5;Growth:-0.6;Quality:-0.7;Size:-0.1;Momentum:+0.1;LowVol:+0.7
null
7
25
4.2
trailing 8%
144
20.8
Sideways
15.9
4.59
2.4
118
-27
21
44
true
Hedge
Buy index puts 1% notional
22
10
BrokerC
MKT
98
RegimeShift
Reduce
Volatility spike and breadth deterioration
88
-2
200
4
false
Tighten stops on momentum names
P9883
Systematic
401k
USD
2024-12-21
1,261,039
110,740
1,150,299
1
67.9
22.4
0
9.7
VNQ:23.6%;GLD:23.6%;MSFT:23.6%;IEF:10.7%;VOO:18.5%
US:65.2;EU:15.9;APAC:6.8;EM:8.9;Other:3.2
Value:-0.9;Growth:-1.0;Quality:-0.3;Size:0.0;Momentum:-0.6;LowVol:-0.8
MaxPos6%
7
25
4.3
hard 12%
125
26.8
Bull
13
3.55
3.3
108
24
62
45
false
Rebalance
Shift +1% to bonds from equity
24
12
BrokerA
LMT
98
null
null
Normal monitoring
46
-1
42
3
false
Monitor dispersion and breadth
P9884
Cautious
401k
USD
2025-09-14
389,825
55,813
334,012
1
48.9
39.7
0
11.5
HYG:33.3%;IEF:33.3%;AAPL:33.3%
US:64.0;EU:16.3;APAC:6.6;EM:11.4;Other:1.7
Value:-1.0;Growth:-0.6;Quality:+0.4;Size:+0.4;Momentum:-0.5;LowVol:-0.6
NoMargin
6
35
5.8
trailing 8%
150
15.1
Volatile
31.5
4.35
4
175
42
64
77
true
Hedge
Buy index puts 1% notional
12
8
BrokerA
LMT
97
Drift>tolerance
Reduce
Allocation drift beyond policy bands
8
6
115
4
false
Increase defensive factor exposure
P9885
Cautious
Roth
USD
2025-01-06
423,722
38,157
385,565
1
49.3
35.6
0
15.1
VNQ:9.1%;MSFT:20.6%;HYG:14.9%;IEF:19.7%;VTI:20.6%;XLF:15.1%
US:73.4;EU:4.7;APAC:13.0;EM:8.9;Other:0.0
Value:+0.4;Growth:-0.8;Quality:-0.5;Size:-0.2;Momentum:-0.4;LowVol:+0.4
ESGOnly;NoMargin
10
35
3.4
trailing 10%
109
16.8
Bear
31.4
3.47
1.9
147
27
75
64
false
Hedge
Add TLT +1% as duration hedge
9
-16
BrokerD
LMT
98
null
null
Normal monitoring
1
-56
8
5
false
Monitor dispersion and breadth
P9886
Cautious
Roth
USD
2025-08-04
453,836
38,426
415,410
1
40.2
37.6
8
14.2
VNQ:23.5%;AAPL:9.5%;BND:23.5%;BRK.B:23.5%;HYG:20.0%
US:74.0;EU:7.9;APAC:13.7;EM:2.8;Other:1.7
Value:-0.9;Growth:+0.4;Quality:-0.2;Size:+0.5;Momentum:-0.5;LowVol:+0.3
NoDerivatives;NoMargin
5
25
5.3
trailing 10%
149
12.4
Bear
22.2
3.68
2.9
131
19
66
39
false
Hedge
Add TLT +1% as duration hedge
19
-7
BrokerA
MKT
88
null
null
Normal monitoring
119
-24
204
3
false
Tighten stops on momentum names
P9887
Active
Taxable
USD
2025-05-30
636,273
46,412
589,861
1.19
62.3
27
4.7
6
BRK.B:15.5%;VTI:17.0%;QQQ:25.1%;IEF:17.2%;MSFT:25.1%
US:61.2;EU:13.8;APAC:14.0;EM:9.0;Other:2.0
Value:-0.4;Growth:-0.0;Quality:+0.3;Size:+1.0;Momentum:0.0;LowVol:-0.2
null
10
25
5.3
trailing 9%
208
22.9
Bull
17.6
3.68
3.3
81
22
71
45
false
Rebalance
Shift +1% to bonds from equity
33
-25
BrokerD
LMT
99
null
null
Normal monitoring
45
-6
129
4
false
Tighten stops on momentum names
P9888
Opportunistic
Taxable
USD
2025-06-06
1,077,408
66,568
1,010,840
1.23
63.5
12.2
18.9
5.4
XLF:18.3%;VOO:27.2%;AMZN:27.2%;VNQ:27.2%
US:75.2;EU:9.3;APAC:7.8;EM:5.9;Other:1.8
Value:-0.9;Growth:+0.6;Quality:+0.3;Size:-0.2;Momentum:+0.3;LowVol:+0.9
null
7
25
4.1
hard 12%
170
28.3
Bear
26.3
3.62
1.5
219
38
72
63
false
Sell
Trim extended winner -1%
23
9
BrokerB
LMT
97
null
null
Normal monitoring
-21
3
-34
5
false
Tax-aware sells next window
P9889
Hands-off
IRA
USD
2025-04-22
534,123
37,364
496,759
1
55.6
18.2
18.5
7.6
AMZN:36.6%;AAPL:36.6%;VOO:26.9%
US:68.1;EU:13.4;APAC:6.0;EM:8.2;Other:4.4
Value:+1.0;Growth:+0.6;Quality:+0.9;Size:-0.8;Momentum:-0.4;LowVol:-0.7
ESGOnly
8
35
3.6
hard 10%
114
19.2
Bear
32.1
3.79
2.8
204
-95
11
67
false
Hedge
Add TLT +1% as duration hedge
0
-27
BrokerD
MKT
92
null
null
Normal monitoring
49
-26
78
4
false
Tax-aware sells next window
P9890
Opportunistic
Trust
USD
2025-07-05
1,264,050
41,615
1,222,435
1
75.2
13.2
3
8.7
BRK.B:22.4%;VTI:22.4%;MUB:20.1%;TSLA:7.4%;IEF:10.3%;QQQ:17.4%
US:68.7;EU:7.5;APAC:11.8;EM:7.1;Other:5.0
Value:+0.8;Growth:+0.4;Quality:0.0;Size:-0.8;Momentum:-0.9;LowVol:-0.9
null
5
25
6.6
trailing 9%
216
32.2
Bull
15.7
4.04
3.2
91
79
97
54
false
Sell
Trim extended winner -1%
35
3
BrokerB
MKT
90
null
null
Normal monitoring
63
-38
129
5
false
Within IPS guidelines
P9891
Systematic
Roth
USD
2024-12-22
1,613,875
81,013
1,532,862
1
57.8
27.6
6.4
8.1
MSFT:25.0%;VTI:25.0%;AMZN:25.0%;HYG:25.0%
US:68.4;EU:11.6;APAC:11.2;EM:4.8;Other:3.9
Value:+0.4;Growth:-1.0;Quality:+0.3;Size:+0.3;Momentum:+0.8;LowVol:+0.9
MaxPos6%
5
25
5.1
hard 12%
162
25
Bull
11.7
4.34
2.1
109
52
80
28
true
Reduce
Cut high-beta by 2-3%, add cash
8
6
BrokerA
MKT
89
VAR>budget
Hedge
Risk above budget threshold
-20
-58
52
4
true
Within IPS guidelines
P9892
Active
Trust
USD
2025-02-09
1,637,926
177,124
1,460,802
1
55.7
27.4
7.4
9.5
AAPL:19.6%;GLD:19.8%;MUB:6.2%;XLF:19.6%;VNQ:20.0%;BRK.B:14.7%
US:64.8;EU:19.1;APAC:8.7;EM:4.9;Other:2.5
Value:-0.3;Growth:+0.8;Quality:-0.8;Size:-0.6;Momentum:-0.1;LowVol:+0.3
null
10
25
5.6
trailing 8%
132
22.3
Bull
13.7
4.31
2.1
70
92
91
31
true
Rebalance
Rebalance back to target bands
11
6
BrokerA
MKT
95
Drift>tolerance
Reduce
Allocation drift beyond policy bands
51
11
157
3
false
Tax-aware sells next window
P9893
Opportunistic
Roth
USD
2025-04-19
1,406,270
87,199
1,319,071
1.15
62
21.4
11.8
4.9
IEF:35.2%;XLF:35.2%;MUB:29.5%
US:60.6;EU:14.5;APAC:12.1;EM:12.8;Other:0.0
Value:+0.2;Growth:-0.5;Quality:+0.1;Size:-1.0;Momentum:-0.2;LowVol:+0.2
null
5
35
5.6
trailing 9%
201
20
Bull
13.5
4.52
2.3
85
106
100
43
false
Rebalance
Shift +1% to bonds from equity
-2
5
BrokerB
MKT
90
null
null
Normal monitoring
-53
20
-7
3
false
Tighten stops on momentum names
P9894
Cautious
Taxable
USD
2025-05-29
314,310
37,417
276,893
1
53.5
32.5
1.4
12.6
BRK.B:9.1%;BND:17.1%;MUB:15.9%;TSLA:21.4%;GLD:21.4%;TLT:15.1%
US:66.5;EU:6.3;APAC:18.0;EM:6.4;Other:2.8
Value:+0.1;Growth:+0.8;Quality:-0.5;Size:-0.8;Momentum:-0.5;LowVol:-0.2
ESGOnly;MaxPos7%;NoMargin
6
30
3.9
trailing 8%
96
14.6
Bear
29.7
4.24
1.2
168
-10
31
72
true
Rebalance
Rebalance back to target bands
8
4
BrokerA
LMT
97
VAR>budget
TightenStops
Risk above budget threshold
-10
-11
-41
5
false
Monitor dispersion and breadth
P9895
Active
401k
USD
2025-09-18
587,236
43,458
543,778
1
53.8
25.9
13.9
6.4
HYG:20.6%;TLT:15.3%;TSLA:19.8%;BND:18.1%;MUB:13.4%;AMZN:12.8%
US:63.6;EU:13.1;APAC:7.7;EM:12.0;Other:3.6
Value:+0.6;Growth:-0.3;Quality:-0.4;Size:+0.8;Momentum:-0.1;LowVol:+1.0
null
7
25
4.4
hard 12%
157
21.9
Bull
11.9
4.75
3.1
109
14
48
46
false
Sell
Trim extended winner -1%
29
-17
BrokerC
MKT
97
null
null
Normal monitoring
-24
-49
23
3
false
Within IPS guidelines
P9896
Hands-off
Roth
USD
2024-08-24
800,065
76,432
723,633
1
64.6
19.3
6.5
9.6
QQQ:16.3%;VNQ:22.0%;HYG:15.9%;BND:9.0%;XLF:22.0%;VTI:14.8%
US:68.6;EU:14.9;APAC:12.2;EM:2.9;Other:1.4
Value:-0.2;Growth:-0.5;Quality:+0.5;Size:+0.1;Momentum:-0.1;LowVol:-0.1
MaxPos7%
7
30
4.6
trailing 8%
109
16.3
Bear
29.9
3.49
1.3
132
33
53
82
true
Hedge
Buy index puts 1% notional
19
-12
BrokerD
VWAP
95
Drift>tolerance
Hedge
Allocation drift beyond policy bands
-52
-45
73
4
false
Increase defensive factor exposure
P9897
Opportunistic
401k
USD
2025-04-05
1,211,702
76,975
1,134,727
1
60.7
11.2
19.8
8.4
AMZN:33.3%;BND:33.3%;TLT:33.3%
US:67.9;EU:6.3;APAC:14.5;EM:9.6;Other:1.7
Value:-0.5;Growth:+1.0;Quality:-0.4;Size:-0.7;Momentum:-0.9;LowVol:-0.3
NoDerivatives
10
30
5.3
trailing 9%
171
26.8
Sideways
20.1
3.64
2.8
105
-15
39
49
false
Rebalance
Shift +1% to bonds from equity
28
-2
BrokerD
LMT
93
null
null
Normal monitoring
73
1
46
3
false
Tighten stops on momentum names
P9898
Cautious
401k
USD
2025-06-17
379,913
59,673
320,240
1
41.2
32.7
14.2
11.9
MSFT:25.0%;TSLA:25.0%;BND:25.0%;QQQ:25.0%
US:73.1;EU:13.5;APAC:7.1;EM:4.1;Other:2.3
Value:-0.7;Growth:-0.4;Quality:-0.1;Size:+0.3;Momentum:+0.6;LowVol:-0.2
NoDerivatives;NoMargin
5
35
4
hard 10%
94
19.9
Bull
17.8
4.05
3
98
36
76
35
true
Reduce
Cut high-beta by 2-3%, add cash
-7
6
BrokerA
LMT
86
VAR>budget
Reduce
Risk above budget threshold
-56
1
-72
5
false
Within IPS guidelines
P9899
Hands-off
Taxable
USD
2025-04-16
509,978
37,862
472,116
1
64.4
27.9
0
7.7
VTI:33.3%;QQQ:33.3%;XLF:33.3%
US:78.3;EU:7.3;APAC:5.9;EM:7.3;Other:1.3
Value:+0.2;Growth:-0.3;Quality:-0.3;Size:-0.3;Momentum:+0.2;LowVol:-0.6
null
10
30
5.9
trailing 10%
157
17.1
Sideways
18.1
3.88
2.9
116
59
66
50
false
Hedge
Add TLT +1% as duration hedge
-9
-28
BrokerD
LMT
91
null
null
Normal monitoring
48
5
39
5
false
Increase defensive factor exposure
P9900
Cautious
Trust
USD
2024-11-01
348,733
28,131
320,602
1
40.2
40.3
5.6
13.8
IEF:28.8%;AAPL:28.8%;GLD:26.6%;AMZN:15.8%
US:67.5;EU:18.2;APAC:5.4;EM:6.5;Other:2.3
Value:+1.0;Growth:+0.9;Quality:-0.2;Size:-0.9;Momentum:+0.3;LowVol:-0.9
ESGOnly;NoMargin
8
30
5.6
hard 10%
122
14
Volatile
28.6
3.51
2.3
111
47
70
69
false
Rebalance
Shift +1% to bonds from equity
-3
9
BrokerB
MKT
88
null
null
Normal monitoring
17
5
110
5
false
Within IPS guidelines