Summary
Investment portfolio rebalancing tool for 52nd Street Capital Group, anchored to the Howell Legacy Group three-tier capital architecture (Operational / Strategic / Legacy). Calculates precise buy orders across six household brokerage accounts (plus one separately-held external in-laws' account) based on target allocation percentages and real-time market prices. Supports both ETF (whole-share) and mutual fund (dollar-based) order calculations, IPS-anchored presets, and an AI-powered market recommendation feature that analyzes six market indicators and suggests optimal allocation using Claude — with explicit flagging when a recommendation deviates from the governing IPS target.
Features
- Live market prices via Yahoo Finance (auto-refreshed on login)
- Five asset classes: US Large Cap, Mid Cap, Small Cap, International, Emerging Markets
- Six brokerage accounts with account-specific fund tickers and capital-tier tagging
- Strategy presets: Aggressive, Moderate, Conservative, S&P 500
- AI Market Recommendation analyzing VIX, S&P 500, NASDAQ, Russell 2000, EEM, and EFA
- ETF whole-share and mutual fund dollar-based calculations
- Copy to clipboard and print-friendly output
How to Use
- Sign in with your email and password.
- Select a brokerage account from the left panel.
- Enter the cash amount to invest (or use the 25%/50%/100% quick buttons).
- Set allocation percentages manually, choose a preset strategy, or click AI Market Recommendation for a data-driven allocation.
- Review the Buy Orders table showing fund tickers, share counts, and dollar amounts.
- Click Copy to copy orders to clipboard, or Print for a formatted summary.
Accounts & Capital Tiers
- Howell Holdings LLC (Schwab …663) — Strategic / Strategic Capital Reserve
- Schwab Solo 401(k) — Strategic / Retirement (52SC Retirement Trust)
- Fidelity Trust (Z40535626) — Legacy / Trust corpus (HLG Trust)
- Fidelity Roth IRA — Strategic / Retirement (J. Howell Roth IRA)
- Wells Fargo Roth IRA — Strategic / Retirement (J. Howell Roth IRA)
- Fannie Mae 401(k) — Strategic / Retirement (pending rollover)
- Truist Trade (…9740) — External (in-laws) — excluded from the household Capital Stack, totals, and IPS governance. Ticker-basket account with selectable Tech Strategy presets (Musk-Forward / Aggressive Musk / Broad New-Tech).
Entity-Tier Architecture
- IPS-anchored presets: Strategic Balanced (50/13/9/22/6), Legacy Growth (50/15/10/15/10), and IPS Auto (applies the active account's tier target).
- IPS governs; AI advises. AI Market recommendations that deviate from the tier IPS by more than ±5 pts on any class or ±15 pts in aggregate are flagged with a side-by-side Current / IPS / AI comparison and require explicit acknowledgment before applying.
- Legacy guardrail: Legacy-tier smallcap + emerging-markets exposure may not exceed 25% combined without an explicit Managing Member determination.
- Tier-aware drift: Strategic ±3%/±5% (quarterly); Legacy ±5%/±7% (semi-annual).
- Capital Stack view: three-tier household rollup (Operational / Strategic / Legacy) with entity subgrouping and a liquidity ladder. AITCH Holdings appears as the Operational Treasury (informational only).
Note: AI recommendations analyze real-time market indicators with 30-minute caching. Prices refresh automatically on login.
