0 Overview

Retirement Overlay

A weekly posture that compresses PETS market activity into a simplified retirement-focused view. One question per week: has the structural posture changed enough to review your allocation? Designed for discipline — not daily reaction.

Weekly cadence No signals / no advice Posture awareness only Audit-trail history

Disclosure

Informational and educational only. Not investment, tax, or legal advice. No guarantee of results. This overlay summarizes system posture — it does not prescribe allocation actions.

1 Current Posture

This week

Weekly Posture Summary

Live from the latest published overlay. Updates after each weekly run.

As-of: —

Phase

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Risk State

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Leader Sector

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Cadence

Weekly

System Status

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Structural Interpretation

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How to use: Treat this as a weekly check-in. Review only when the posture changes, or on your regular allocation review schedule. Avoid reacting to daily market noise.

Disclosure: informational/educational only. Not investment, tax, or legal advice. No guarantee of results.

Design rationale

Why This Overlay Exists

Retirement-cadence thinking — reduce noise without prescribing actions.

One question, weekly: Has the structural posture changed enough to review allocation?
Cadence discipline: Anchored to weekly evaluation — not daily market movement.
State transparency: A continuous history so posture changes are auditable over time.
False exit protection: Conservative thresholds filter borderline signals that would trigger costly re-entry decisions in retirement accounts.
Guardrail: This page is informational and educational — not investment advice.

No advice / no signals Weekly cadence

Posture Color Guide

Accumulation / Risk On — Active deployment signals

Participation — Baseline, holding posture

Caution / Elevated — Trim risk, watch closely

Defensive / Risk Off — Capital preservation mode

2 Overlay State History

Audit trail

Weekly Posture History

Continuous record of weekly posture — newest first. Phase shifts marked for auditability.

▲ Posture changed vs prior week — No change Hover status cell for full text

Week	Phase	Risk State	▲	System Status
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Data source: published weekly overlay summary. Updates after each weekly PETS run.