Changelog

0.1.0

First tagged release. The tool supports the full rebalance workflow end-to-end:

allocator setup — store Monarch credentials in the OS keychain
allocator sync — pull live brokerage/retirement/crypto holdings from Monarch (via its aggregated Coinbase feed); archives a dated snapshot
allocator show — current-vs-target allocation table per portfolio, plus a combined cross-portfolio summary when multiple portfolios are defined
allocator drift — positions ranked by drift from target
allocator plan --withdraw N --from P — sell list summing exactly to N
allocator plan --deposit N --to P — buy list summing exactly to N
allocator plan --whole-shares CASH_SYMBOL — round equity trades to whole shares; route the dollar residual through the named cash position
allocator history — portfolio totals over time, with day-over-day deltas
allocator optimize — Monte-Carlo / MPT efficient-frontier scan using yfinance + CoinGecko price history, with max-Sharpe and min-volatility portfolios computed via SLSQP under optional per-symbol bounds

Drift-first and proportional modes for both withdrawals and deposits, with sub-cent reconciliation so the sell/buy list sums to the target amount
Whole-share quantization with cash-position absorber
All monetary arithmetic on Decimal; never float in the math path
Vectorized random-portfolio cloud + SLSQP-optimized max-Sharpe / min-vol

~/.config/allocator/targets.yaml — hierarchical target allocation (with optional per-symbol min_weight / max_weight / cash: true / coingecko_id: fields consumed by optimize)
~/.config/allocator/config.toml — user defaults (portfolio, mode, staleness threshold, risk-free rate)
~/.cache/allocator/snapshot.json — rolling snapshot (chmod 600)
~/.cache/allocator/snapshots/YYYY-MM-DD.json — dated history
macOS Keychain via keyring for Monarch credentials — never on disk, never logged, never in exception strings

130+ tests, 85%+ branch coverage, dependency-injected throughout (no monkeypatch anywhere in the suite)
Hypothesis property test: sum(sells) == withdrawal over random portfolios
Regression test against a synthetic 13-position diversified portfolio
pyright --strict clean on src/; ruff clean across the repo
GitHub Actions CI: lint, format, types, tests, gitleaks