Hedge Product Strategy v0.2 — Three Pillars + AI Sidebar Vision

Hedge Product Strategy approved 2026-02-21.

Three Pillars:

1. Research (Charts, Screener, News, Pattern Scanner) - find opportunities
2. Strategies (Regime Lab) - build regime-driven allocation models
3. Account Management - Self-Managed (IRA/HSA/401K, can override) + Active Trading (Alpaca/Schwab Common)

Key Decisions:

• Accounts blur: IRA/HSA self-managed but can override for opportunistic trades
• Dashboard: market highlights + opportunities + account status
• Options: pre-built templates + custom builder
• Auto-execution: per-account config (paper=full auto, others=suggest-and-confirm)
• Alerts: in-app + Telegram

New Requirements:

• P1: AI Sidebar on every key page. Context-aware, full API access. Trading pages: recommends + queues trades for approval (NO direct). Strategy pages: helps create strategies.
• P2: Vanguard 401K real data via Plaid (positions/prices/totals, no trading)
• P2: Security (auto-logout 30min + 2FA Google Authenticator)

Completed Infrastructure:

• Schwab API (accounts, quotes, streaming WS, price history, options)
• Pattern detection (61 TA-Lib + 9 chart patterns + Fibonacci + S/R)
• CNN infrastructure (ResNet18 dual-head, ready to train)
• Regime: 4-model composite (GMM, BOCPD, VIX, SMA)
• Auto Execute system for regime-based rebalancing