Governed rebalance

A rules-based proposal, policy checks, separate roles for each step and an append-only audit trail. Change the controls and watch the approvals reset.

HouseholdMinimum trade size

Drift band: rebalance an account when any holding is more than 3 points off modelAvoid realising gains. In taxed accounts, do not sell; fund buys from surplus cash only.

Trades

4 accounts touched

Sells / buys

$83,300 / $83,000

Est. realised gains

$1,494

synthetic estimate

Household value

$1,170,000

Household allocation, before and after

Before

After proposal

Combined model

Cash
Fixed income
Domestic equity
Global equity
Real assets

Proposed trades by account

H-01 · Retirement account

Tax-deferred retirement

Balanced model · $412,000 · max drift 6.4 pts

Trades for H-01
Asset	Side	Amount	Drift after
Fixed income	Buy	$26,200	0.0 pts
Domestic equity	Sell	$13,600	0.0 pts
Global equity	Sell	$18,200	-0.0 pts
Real assets	Sell	$1,000	+0.0 pts

H-02 · Retirement account

Tax-deferred retirement

Balanced model · $388,000 · max drift 6.7 pts

Trades for H-02
Asset	Side	Amount	Drift after
Fixed income	Buy	$23,800	0.0 pts
Domestic equity	Sell	$6,400	0.0 pts
Global equity	Sell	$25,800	+0.0 pts
Real assets	Sell	$2,000	-0.0 pts

H-03 · Tax-free account

Tax-free growth

Growth model · $96,000 · max drift 5.6 pts

Trades for H-03
Asset	Side	Amount	Drift after
Fixed income	Buy	$5,400	0.0 pts
Domestic equity	Sell	$4,100	-0.0 pts
Global equity	Sell	$3,900	-0.0 pts
Real assets	Buy	$1,700	+0.0 pts

H-04 · Joint investment account

Taxable (joint)

Balanced model · $274,000 · max drift 9.5 pts · unrealised gain 18%

Trades for H-04
Asset	Side	Amount	Drift after
Fixed income	Buy	$25,900	0.0 pts
Domestic equity	Sell	$7,200	0.0 pts
Real assets	Sell	$1,100	-0.0 pts

Policy checks

PassSuitability profile is current.Profile reviewed 5 months ago.
PassEvery trade meets the minimum size.Trades below $500 are dropped before the proposal is drafted.
PassNo account is left with negative cash.Buys are funded by sales and cash within each account.
PassResidual drift after trades is within 1.0 point.Largest remaining drift is 0.1 points.
ReviewEstimated realised gains stay under $3,000.Estimated $1,494 needs a written rationale at review.

Approval workflow

1. Draft(Advisor)
2. Compliance review(Compliance reviewer)
3. Client consent(Advisor)
4. Release to trading(Operations)
5. Released(Operations)

Acting as

Each step is limited to its own role: you are acting as Advisor. Stage: draft.

Audit trail

✓ Hash chain verified · 1 entries

Entries are only ever added. Each one carries a hash of the entry before it, so an edit anywhere is detectable. Clock is simulated.

Proposal drafted by Rules engine · 2026-10-12 09:09
Hartwell household: 15 trades across 4 accounts (band 3%, minimum $500).
#1 ced36d50 ← 00000000

Client report

A branded summary the advisor can hand to the client. Save it as a PDF from your browser’s print dialog.

Sample Advisory Practice

Portfolio review · 12 Oct 2026 · illustrative

Hartwell household

Prepared by Advisor A. Rowan · Status: Draft

Where you are today

Your household holds $1,170,000 across 4 accounts. Each account follows a model chosen for its purpose.

Asset class	Now	Model	After proposal
Cash	4.8%	4.8%	4.8%
Fixed income	26.4%	33.4%	33.4%
Domestic equity	23.2%	20.6%	20.6%
Global equity	37.4%	33.2%	33.3%
Real assets	8.2%	8.0%	8.0%

Accounts

Account	Model	Value	Trades proposed
Retirement account (Marion)	Balanced	$412,000	4
Retirement account (Peter)	Balanced	$388,000	4
Tax-free account (Marion)	Growth	$96,000	4
Joint investment account (Joint)	Balanced	$274,000	3

What we are proposing

15 trades: sell $83,300, buy $83,000. Estimated taxable gains realised: $1,494. Accounts are rebalanced when a holding is more than 3 points from its model.

Review record: 1 audit entries, last reference ced36d50.

Mock demonstration with invented data by Algoshred. Not advice, not a real household, not connected to any custodian or system.