type: custom

customType: model-snapshot

provider: amazon-bedrock

modelApi: bedrock-converse-stream


type: message

role: user

type: text

text:
[cron:6616fa2b-f159-424c-86d6-85701e1af147 Ledger: Monthly DCA Deployment] You are Ledger, Brandon's financial strategist. This is your monthly DCA deployment.

1) Read your IPS at ~/.openclaw/agents/ledger/workspace/strategy/ips.md
2) Get current portfolio state: run `mcporter call alpaca-trading.get_account_info` and `mcporter call alpaca-trading.get_all_positions`
3) Based on the target allocation in the IPS, calculate how to deploy $1,500 across the target ETFs (VTI 55%, VXUS 20%, VBR 10%, VWO 10%, SGOV 5%). Direct more to underweight positions.
4) Execute the trades using curl against the Alpaca paper API (endpoint: https://paper-api.alpaca.markets/v2/orders, headers: APCA-API-KEY-ID: PKGUUW5MV7PQ5TLCNZQDPRIKN2, APCA-API-SECRET-KEY: 8wcmBZ…2u). Use notional (dollar amount) market orders.
5) Report what you did and why to Brandon via the delivery channel.

This is PAPER TRADING. Execute the trades directly. Do not ask for approval.
Current time: Saturday, May 9th, 2026 - 1:35 PM (America/Denver) / 2026-05-09 19:35 UTC

Use the message tool if you need to notify the user directly for the current chat. If you do not send directly, your final plain-text reply will be delivered automatically.


role: assistant

type: thinking

thinking: Let me execute this monthly DCA deployment for Brandon's paper trading account.

read

type: toolCall

exec

command: mcporter call alpaca-trading.get_account_info 2>/dev/null | head -100

command: mcporter call alpaca-trading.get_all_positions 2>/dev/null | head -200

api: bedrock-converse-stream

stopReason: toolUse


role: toolResult

toolName: read

text:
# Brandon Wilson — Investment Policy Statement v2
*Created: 2026-05-09 | Status: ACTIVE (paper trading phase)*
*Prepared by: Ledger (AI Financial Strategist)*

---

## 1. Investor Profile

| Field | Value |
|-------|-------|
| Name | Brandon Wilson |
| Age Range | Early-mid 30s |
| Employment | Principal DevOps / Cloud Infrastructure Lead, Hoag Digital (Healthcare) |
| Income Type | Stable W-2 + variable side income |
| Est. Base Salary | $150K-$170K (Principal-level DevOps in healthcare, Denver market) |
| Est. Take-Home | ~$7,500-$8,500/month after tax + 401k |
| Tax State | Colorado (4.4% flat state income tax) |
| Filing Status | Single (assumed) |
| 401k | Fidelity — HOAG SHELTERED SAVINGS PLAN ($35,708 balance) |

## 2. Current Financial State (2026-05-09)

| Metric | Value |
|--------|-------|
| Net Worth | $24,762 |
| 401k Balance | $35,708 (Fidelity) |
| Checking (Envelope) | $3,498 |
| Checking (R Bank TX) | $2,855 |
| Total Liquid Cash | ~$6,384 |
| Total Remaining Debt | $17,342 (6 credit cards) |
| Debt Payoff Trajectory | Projected clear by 2026-06-08 |
| Investments (Non-401k) | $11.66 (Robinhood, negligible) |

### Debt Breakdown (payoff priority)
1. Chase (...8445): $5,894
2. Amex Platinum (...2005): $4,613
3. Chase (...4394): $4,548
4. Mattress Firm/Synchrony (...1556): $1,201
5. West Elm/Capital One (...7089): $612
6. Apple Card: $474

**Trend:** Debt down $17,795 in last 7 days. Aggressive payoff in progress.

## 3. Risk Assessment (Determined by Ledger)

### Risk Capacity: HIGH
- **Income stability:** Healthcare sector W-2 — extremely recession-resistant
- **Employability:** Principal-level DevOps with cloud/AWS expertise — high demand, multiple offers available anytime
- **Age:** Early-mid 30s — 25-30+ year investment horizon
- **Dependents:** None known
- **Career optionality:** Side ventures (Collably, photography) provide additional income paths

### Risk Tolerance Determination: AGGRESSIVE (Level 4)
- **Evidence:** Brandon built and ran 7 versions of a prediction market trading system (FLUX). He's comfortable with calculated, systematic risk — not gambling, but high-conviction bets backed by research.
- **Systems thinker:** Will respond to drawdowns with logic, not emotion — prefers rules-based approaches
- **Max acceptable drawdown:** 30-35% (temporary)
- **Panic risk:** LOW — the IPS guardrails + Ledger monitoring provide the emotional circuit-breaker

### Need for Risk: HIGH
- Starting with near-zero investable assets outside 401k
- Needs 8-12% annualized return to build meaningful wealth in 10-15 years
- Conservative approach would fail to meet goals given starting position

**→ Risk Level 4 (Aggressive): Target 9-18% returns, max 35% drawdown tolerance**

## 4. Investment Goals

| Priority | Goal | Amount | Timeline | Vehicle |
|----------|------|--------|----------|---------|
| 0 | Emergency Fund (3 months) | $15,000-$20,000 | NOW (before investing) | HYSA (4.5%+ APY) |
| 1 | Eliminate all CC debt | $17,342 → $0 | By June 2026 | Current aggressive payoff |
| 2 | Max Roth IRA | $7,000/year | Ongoing (annual) | Fidelity or Schwab |
| 3 | Wealth accumulation / FI | $500K in 10yr, $1M+ in 15yr | Long-term | Taxable brokerage (Alpaca) |
| 4 | Business capital | $50K+ | 3-5 years | Taxable (liquid) |

**Sequencing:**
1. Finish debt payoff (June 2026) ✓ in progress
2. Build emergency fund to $15K (July-August 2026)
3. Open + max Roth IRA for 2026 ($7K)
4. Everything else → taxable growth portfolio

## 5. Monthly Budget Projection (Post-Debt)

*Based on observed spending patterns from Monarch data:*

| Category | Monthly Est. |
|----------|-------------|
| Housing/Rent | ~$1,800-2,200 (estimated — not visible in Monarch, may be auto-paid) |
| Auto (Stellantis payment) | $1,099 |
| Insurance (Progressive) | $235 |
| Food/Restaurants | $1,000-1,200 |
| Groceries | $400-500 |
| Subscriptions/SaaS | $300-400 |
| Gas/Transportation | $150-200 |
| Utilities | $260 |
| Miscellaneous | $300-400 |
| **Total Fixed Expenses** | **~$5,800-6,500/month** |
| **Estimated Take-Home** | **~$7,500-8,500/month** |
| **Available for Investing** | **~$1,500-2,500/month** |

**Conservative estimate: $1,500/month investable surplus**
**Optimistic estimate: $2,500/month (with spending discipline)**

*Ledger recommends: Start with $1,500/month auto-invest. Increase as spending patterns confirm.*

## 6. Target Asset Allocation

### Core Portfolio — "Aggressive Growth" (Level 4)

| Asset Class | Target % | Vehicle | Expense Ratio | Rationale |
|-------------|----------|---------|---------------|-----------|
| US Total Market | 55% | VTI (Vanguard Total Stock Market) | 0.03% | Broad US equity exposure, all cap sizes |
| International Developed | 20% | VXUS (Vanguard Total International) | 0.07% | Global diversification, currency hedge |
| US Small-Cap Value | 10% | VBR (Vanguard Small-Cap Value) | 0.07% | Factor tilt — historically higher returns |
| Emerging Markets | 10% | VWO (Vanguard Emerging Markets) | 0.08% | Growth economies, higher risk/reward |
| Short-Term Bonds | 5% | SGOV (iShares 0-3 Month Treasury) | 0.07% | Cash-equivalent dry powder |

**Weighted Expense Ratio: 0.05%** (vs. typical 0.50-1.00% for managed funds)

### Why This Allocation:
- **85% equities / 10% EM / 5% near-cash** = maximum growth for 25+ year horizon
- **Small-cap value tilt:** Academic research (Fama-French) shows persistent value premium over long horizons
- **No individual stocks initially** — diversification reduces idiosyncratic risk while learning
- **5% SGOV** = always have dry powder for buying opportunities during corrections
- **No crypto** until portfolio reaches $50K (then max 5% allocation)

### Projected Growth (7-10% annualized):
- $1,500/mo for 10 years @ 8% = ~$275K
- $2,000/mo for 10 years @ 8% = ~$366K
- $2,000/mo for 15 years @ 8% = ~$694K
- $2,500/mo for 15 years @ 9% = ~$996K → **$1M achievable in ~15 years**

## 7. Account Strategy (Priority Order)

1. **401k to employer match** — free 50-100% return. (Ledger will research Hoag's match.)
2. **Roth IRA ($7,000/year)** — tax-free growth forever. Open at Fidelity (where 401k is = simplicity).
3. **Taxable Brokerage (Alpaca)** — automated DCA, full API access, Ledger-managed.
4. **HSA (if eligible)** — triple tax advantage. Worth $4,150/year if HDHP.

## 8. Contribution Plan

| Rule | Details |
|------|---------|
| Monthly Amount | $1,500 minimum (increase to $2,000-2,500 as debt clears) |
| Frequency | Biweekly aligned with paycheck |
| Split | 50% Roth IRA (until maxed) → 50% Alpaca taxable |
| Automation | Full auto — Ledger proposes, executes within approved limits |
| Windfall Rule | Tax refunds, bonuses: 70% invest / 20% debt / 10% fun |
| Increase Rule | Every raise: invest 50% of the increase |
| Auto-buy limit | Up to $500/trade without asking Brandon |

## 9. Rebalancing Protocol

| Method | Trigger | Action |
|--------|---------|--------|
| Cash-flow (primary) | Every contribution | Buy underweight asset class |
| Threshold | Any class drifts >7% from target | Rebalance with new cash first, sell only if needed |
| Calendar | December annually | Full review + rebalance regardless |
| Tax-aware | Taxable account only | Never sell at a gain for rebalancing; use new contributions |
| Tax-loss harvest | Position down >10% | Swap to similar ETF (e.g., VTI → SCHB), harvest loss |

## 10. Automation (Ledger's Operating Rules)

### Pre-Approved Actions (no approval needed):
- Buy within target allocation, ≤$500 per trade
- Cash-flow rebalancing (directing new contributions)
- Tax-loss harvest swaps between equivalent ETFs
- Monitoring, alerting, and reporting

### Requires Approval:
- Any single trade >$500
- Selling any position
- Adding new asset classes
- Changing allocation targets
- Any non-ETF purchase (individual stocks, options, crypto)

### Circuit Breakers (auto-halt):
- Portfolio drops >25% from peak → pause all buying, alert Brandon
- Single position drops >40% → flag for review
- 3+ consecutive losing months → trigger full strategy review

## 11. Panic-Prevention Protocol

**When markets drop >15%:**
1. Ledger sends IPS reminder + historical recovery data
2. NO selling. Period. Timeline is 25+ years.
3. Check if extra cash available → buying opportunity
4. Wait 72 hours before ANY change
5. Review: "Has anything about my income, job, or life changed?" If no → stay the course.

**Historical context Ledger will cite:**
- 2020 COVID crash: -34%, recovered in 5 months
- 2022 bear market: -25%, recovered in ~14 months
- 2008 GFC: -57%, recovered in ~4 years
- Average bear market recovery: 2-3 years

## 12. Monitoring Schedule

| Cadence | What | Output |
|---------|------|--------|
| Daily (6:30am MT, M-F) | Portfolio snapshot, overnight moves, macro check | Alert only if notable |
| Weekly (Sunday 6pm) | Drift analysis, performance summary, rebalancing check | Signal report |
| Monthly (1st, 9am) | DCA deployment, contribution tracking, expense review | Trade proposal → execute |
| Quarterly | Full review, tax-loss scan, allocation fitness check | Detailed report |
| Annual (January) | Full IPS review, goal check, allocation adjustment | Updated IPS |

## 13. What Ledger Will Research Next

- [ ] Hoag Digital 401k match percentage and vesting schedule
- [ ] Brandon's HSA eligibility (HDHP plan?)
- [ ] Optimal Roth IRA provider (Fidelity vs Schwab vs Vanguard)
- [ ] Housing cost (confirm from Monarch — may need account connected)
- [ ] Exact take-home pay (paycheck account may not be in Monarch)

## 14. Activation Checklist

- [x] Alpaca paper trading account created and verified
- [x] API keys generated and tested
- [x] MCP server connected (61 tools available)
- [x] IPS written and allocation defined
- [x] Crons created (disabled pending activation)
- [ ] Emergency fund reaches $15K (THEN start investing)
- [ ] All CC debt at $0 (THEN start investing)
- [ ] First real contribution deployed
- [ ] 30-day paper trading period completed
- [ ] Brandon confirms: "Go live"

---

## ⚠ Disclaimer

This IPS was generated by an AI system based on available financial data and general investment principles. It is not a substitute for professional financial advice. All investment decisions carry risk of loss. Brandon Wilson is solely responsible for all financial decisions. Consider consulting a fee-only fiduciary advisor for personalized guidance.

---

*Last updated: 2026-05-09 by Ledger*
*Next review: 2026-06-01 (post-debt-payoff)*


toolName: exec

status: ACTIVE

crypto_status: ACTIVE

currency: USD

status: completed


thinking:
Fresh paper account with $100K buying power, no existing positions. This is the first DCA deployment of $1,500. Since there are no existing positions, I'll deploy exactly to target allocation:

- VTI: 55% × $1,500 = $825
- VXUS: 20% × $1,500 = $300
- VBR: 10% × $1,500 = $150
- VWO: 10% × $1,500 = $150
- SGOV: 5% × $1,500 = $75

Let me execute these as notional market orders. Note: it's Saturday, so market is closed. Orders will queue for Monday open. Let me execute them anyway - they'll be day orders or GTC.

I'll set these as GTC orders so they'll fill when the market opens Monday.

text: Fresh account, no positions. Deploying $1,500 at target weights. Since it's Saturday, I'll place GTC orders to fill at Monday open.

command:
curl -s -X POST https://paper-api.alpaca.markets/v2/orders \
  -H "APCA-API-KEY-ID: PKGUUW5MV7PQ5TLCNZQDPRIKN2" \
  -H "APCA-API-SECRET-KEY: 8wcmBZXDv3WV4jRZmzNnhQPk3gpZ1gzdBc1ATV77K52u" \
  -H "Content-Type: application/json" \
  -d '{"symbol":"VTI","notional":"825","side":"buy","type":"market","time_in_force":"day"}' | jq '{id,symbol,notional,status,submitted_at}'

command:
curl -s -X POST https://paper-api.alpaca.markets/v2/orders \
  -H "APCA-API-KEY-ID: PKGUUW5MV7PQ5TLCNZQDPRIKN2" \
  -H "APCA-API-SECRET-KEY: 8wcmBZXDv3WV4jRZmzNnhQPk3gpZ1gzdBc1ATV77K52u" \
  -H "Content-Type: application/json" \
  -d '{"symbol":"VXUS","notional":"300","side":"buy","type":"market","time_in_force":"day"}' | jq '{id,symbol,notional,status,submitted_at}'

command:
curl -s -X POST https://paper-api.alpaca.markets/v2/orders \
  -H "APCA-API-KEY-ID: PKGUUW5MV7PQ5TLCNZQDPRIKN2" \
  -H "APCA-API-SECRET-KEY: 8wcmBZXDv3WV4jRZmzNnhQPk3gpZ1gzdBc1ATV77K52u" \
  -H "Content-Type: application/json" \
  -d '{"symbol":"VBR","notional":"150","side":"buy","type":"market","time_in_force":"day"}' | jq '{id,symbol,notional,status,submitted_at}'

command:
curl -s -X POST https://paper-api.alpaca.markets/v2/orders \
  -H "APCA-API-KEY-ID: PKGUUW5MV7PQ5TLCNZQDPRIKN2" \
  -H "APCA-API-SECRET-KEY: 8wcmBZXDv3WV4jRZmzNnhQPk3gpZ1gzdBc1ATV77K52u" \
  -H "Content-Type: application/json" \
  -d '{"symbol":"VWO","notional":"150","side":"buy","type":"market","time_in_force":"day"}' | jq '{id,symbol,notional,status,submitted_at}'

command:
curl -s -X POST https://paper-api.alpaca.markets/v2/orders \
  -H "APCA-API-KEY-ID: PKGUUW5MV7PQ5TLCNZQDPRIKN2" \
  -H "APCA-API-SECRET-KEY: 8wcmBZXDv3WV4jRZmzNnhQPk3gpZ1gzdBc1ATV77K52u" \
  -H "Content-Type: application/json" \
  -d '{"symbol":"SGOV","notional":"75","side":"buy","type":"market","time_in_force":"day"}' | jq '{id,symbol,notional,status,submitted_at}'


symbol: VTI

status: accepted


symbol: VXUS


symbol: VBR


symbol: VWO


symbol: SGOV


text: All 5 orders accepted. Let me log this and report.

command:
mkdir -p ~/.openclaw/agents/ledger/workspace/logs && cat >> ~/.openclaw/agents/ledger/workspace/logs/dca-log.md << 'EOF'

## 2026-05-09 — Monthly DCA #1 (Paper)

**Total Deployed:** $1,500
**Account State:** Fresh paper account, no prior positions
**Strategy:** Deploy at exact IPS target weights (no drift to correct)

| ETF | Target % | Amount | Order ID | Status |
|-----|----------|--------|----------|--------|
| VTI | 55% | $825 | 558313a1 | accepted |
| VXUS | 20% | $300 | 98814227 | accepted |
| VBR | 10% | $150 | 830b5ffd | accepted |
| VWO | 10% | $150 | 82b0b2eb | accepted |
| SGOV | 5% | $75 | d46515d7 | accepted |

**Note:** Orders placed Saturday — will fill at Monday market open (2026-05-12).
**Next DCA:** 2026-06-09
EOF


text: (no output)


message

action: send

channel: signal

message:
📊 Ledger — Monthly DCA #1 Deployed (Paper)

$1,500 deployed across target allocation:

• VTI (US Total Market) — $825 (55%)
• VXUS (Intl Developed) — $300 (20%)
• VBR (Small-Cap Value) — $150 (10%)
• VWO (Emerging Markets) — $150 (10%)
• SGOV (Short-Term Treasury) — $75 (5%)

All 5 orders accepted. Market is closed (Saturday) — they'll fill at Monday open.

This is the first contribution to the paper portfolio. No existing positions to rebalance against, so deployed at exact IPS target weights. Next DCA scheduled for June 9th.

Weighted expense ratio: 0.05%. Total cost: $0.75/year on this $1,500.


toolName: message

via: direct


text: Done. First monthly DCA executed — $1,500 deployed across all 5 ETFs at IPS target weights. Orders will fill Monday at market open.

stopReason: stop