> ## Documentation Index
> Fetch the complete documentation index at: https://docs.tilt.now/llms.txt
> Use this file to discover all available pages before exploring further.

# Follow a household each morning

> Read a family's morning signals, read an account inside it, and pick up the family's next plan.

Use this guide to read a family's morning signals, check an account inside it, and pick up the family's next plan. When accounts are [optimized together](https://docs.tilt.now/advisor/optimize-accounts-together.md), the daily check measures a **family**, the accounts Tilt plans together, as one. The examples follow the Caldwell Household, a sample family in a synthetic firm with three accounts.

## 1. Read the morning signals

Check these three places each morning:

| Where | What to look for |
| - | - |
| [Daily briefing](https://docs.tilt.now/advisor/daily-briefing.md) | A line of households that need review, breaches first. |
| **Clients** | A **Household allocation** alert on the household's row, which reads "allocation measured at household". The alert appears when the family is over a limit, past a warning, or couldn't be measured. A household not optimized together can show it when an account couldn't be valued. |
| Household **Optimization** tab | A **Monitoring** table with **Total drift** and **Tracking error** measured on the household, and each account's cash checks. Once the family is measured, **Account models → combined portfolio** follows. |

![Clients list of households. Huang-Bennett Household, Lucas Delgado and Caldwell Household read allocation measured at household, each with a Household allocation alert.](https://mintcdn.com/tilt/WuQt70waUXfAnqO9/images/advisor/household-clients-alert.jpg?fit=max\&auto=format\&n=WuQt70waUXfAnqO9\&q=85\&s=7520a0303d4747ca2736f0afe195d289)

Households optimized together read "allocation measured at household", with a Household allocation alert when the family needs attention.

A red alert means the family is over a limit. An amber alert means it's past a warning or couldn't be measured. Hover over the alert for the detail.

You get no *went over its limits* notification for a family over its limit, and it doesn't add to the attention count on **Firm**, because both count accounts. Check **Clients** or the briefing to find it.

### Read the Monitoring table

Open the household's **Optimization** tab to see the result behind the alert. **Monitoring** sits below **Household proposal** and **Household optimization**.

![Monitoring table for the Caldwell Household: total drift 6.78% against 6.00%, breached; tracking error not measured; each account's cash checks, with Caldwell Family 529 breached on Cash minimum. Below it, Account models to combined portfolio lists own drift of 0.29%, 11.11% and 2.17%, each marked Diagnostic, and 6.78% combined.](https://mintcdn.com/tilt/WuQt70waUXfAnqO9/images/advisor/household-monitoring.jpg?fit=max\&auto=format\&n=WuQt70waUXfAnqO9\&q=85\&s=cc2d985c3505967dde14e6c3a663f636)

The family is over its limit at 6.78%. Each account's own drift is shown and marked Diagnostic.

Below the two family rows, each account has a row for each cash check the daily check ran on it: **Cash minimum**, **Cash maximum** or **Excess cash**, measured on that account. An account with none reads **Cash**, with "No cash check for this account in the latest daily check." or "Not in the latest daily check."

The Caldwell Household's total drift is 6.78%, over its 6.00% limit, while its accounts' own drift reads 0.29%, 11.11% and 2.17%. [How a family is checked](https://docs.tilt.now/advisor/monitoring-explained.md#accounts-optimized-together-are-checked-as-one-family) shows the calculation and which limits apply. If the family needs no trades, you can stop here.

### Monitoring shows no result

**Monitoring** reads "Not checked as a whole yet" until the first check after the family's accounts are optimized together. **Not measured** comes with the reason, and names any account the check couldn't value. "Not measured: every account holds only cash." means the family has nothing invested to measure.

## 2. Read an account in the family

Open an account's **Overview** to compare it with the family. A notice at the top reads "This account is optimized as part of" the household, with a link to it, and "Optimizing it optimizes every account in the household." Once the daily check has measured the family, **Total drift** reads **Diagnostic comparison** and **Sleeves over a limit** reads **Not enforced at this account**, because the family's result decides. Cash checks stay in force, so an account can still breach on cash. [Accounts in a family](https://docs.tilt.now/advisor/account-overview.md#an-account-optimized-with-its-family) explains the section.

![An account's tabs read Overview, Optimization, Holdings, Transition, Setup and History, with Overview selected. The notice reads: This account is optimized as part of Huang-Bennett Household. Optimizing it optimizes every account in the household. The household's name is a link.](https://mintcdn.com/tilt/WuQt70waUXfAnqO9/images/advisor/household-account-notice.jpg?fit=max\&auto=format\&n=WuQt70waUXfAnqO9\&q=85\&s=46750c854631ba5624f0d20a7a2670a5)

Mei Huang Revocable Trust's Overview names its household and links to it.

### Two drift figures for one account

You can see an account's own drift read differently from one page to the next. The household page compares fund by fund, without cash. **Trading** compares top-level sleeves and counts off-model holdings and excess cash. An account's **Overview** shows the **Trading** figure.

Caldwell Family Trust reads 11.11% on the household page and a different figure in **Trading**. Neither figure decides the result, because the family's drift does.

### A fund is out of range in one account only

On a household's **Rebalance plan** page, **Current state** marks each account against its own ranges, and **The family model** marks the family against the family's.

The two marks can differ: the family can be inside its range on a fund while one account reads out of range on it. A family plan measures the family, so the mark on the account doesn't by itself call for a trade, and the next family plan may still buy that fund in the account. [Each fund has an allowed range](https://docs.tilt.now/advisor/how-family-plans-work.md#each-fund-has-an-allowed-range) explains the ranges.

## 3. Review the next family plan

After the daily check, Tilt plans each family as one, so a proposal can be waiting for you without **Optimize**. While planning runs, **To review** says it's planning the households optimized together, and the *Morning proposal summary* notification ("N proposals ready to review") can go out before those plans finish, saying how many accounts are still optimizing.

* **Trading** > **To review** lists a family that's breached or has a breached account.
* A drifting or holding family isn't listed. Open the household's **Optimization** tab and select **Latest proposal** under **Household proposal**.

![Trading review rows. Caldwell Household, 3 accounts, reads Total drift 6.8% vs 6% limit. Below it each account reads Approved with the household, with the reason Included in household proposal or Cash below target.](https://mintcdn.com/tilt/WuQt70waUXfAnqO9/images/advisor/household-trading-review.jpg?fit=max\&auto=format\&n=WuQt70waUXfAnqO9\&q=85\&s=7ce42a35621d72e8f983048bea79645f)

The household's row carries the family's reason, and each account reads Approved with the household.

In **To review**, the household's row shows the family's drift. Each account's row shows its own drift, marked **Diagnostic**, and an account with no reason of its own reads **Included in household proposal**. You can't re-run one account alone: **Re-run optimization** plans them all again. If the check skipped one of a family's accounts, that family's morning plan fails, because every account has to be in the run.

[Review the household proposal](https://docs.tilt.now/advisor/review-household-proposal.md#2-review-the-household-proposal) takes it from there.

***

Tilt provides portfolio technology, not investment, tax or legal advice, and is not a registered investment adviser or broker-dealer. The advisor makes all investment decisions, including whether to accept a proposal and submit trades, directly or through approval rules the advisor configures. Trades are executed through the client’s custodian. Estimates depend on the data and assumptions recorded for the account; confirm the client’s tax treatment with a qualified tax professional.


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