parsers/schwab: emit paired BUY for recent SELL (vest synthesis)

Schwab Stock Plan Services doesn't email vest-release confirmations to
the employee inbox — only the same-day-sell trade-executed alert lands.
The vest itself was invisible to broker-sync, so the META cadence
panel in the wealth dashboard has been missing the May 2026 vest BUY
and would keep missing every future vest.

Synthesis: when a SELL email's trade date is on/after the configured
boundary (default 2026-04-01), also emit a paired BUY with identical
date/qty/price/symbol. Notes link the pair via the SELL's external_id.
Verified true across 14 historical vests — 100% same-day-sell pattern,
SELL qty == vest qty.

Boundary stops the synthesis from back-filling vests prior to 2026-04
which already have csv-sourced BUY rows in Wealthfolio from the
historical one-shot backfill (last vest 2026-02-18). The csv BUYs and
inferred BUYs have distinct external_ids, so re-running against old
emails would double-count without this guard. Override via env var
`SCHWAB_VEST_INFER_FROM_DATE=yyyy-mm-dd` on the broker-sync-imap cron.

Tests: 4 new cases — recent SELL pairs, old SELL doesn't pair, env
override works, BUY-direction emails (rare) don't get paired.

Co-Authored-By: Claude Opus 4.7 <noreply@anthropic.com>

broker_sync/providers/parsers/schwab.py

@@ -7,9 +7,16 @@ cells holding date / direction / quantity / ticker / price.
 
 It does NOT email vest-release / Release Confirmation messages to the
 employee address for this account (verified against 4 years of inbox
-history, 2022-2026 — see infra/docs in code-fqgr). Vest data must come
+history, 2022-2026). The vest itself is invisible to IMAP.
-from the META payslip via payslip-ingest, not from email. The whole
+
-vest-release parser that used to live here was dead code.
+Same-day-sell synthesis: Meta RSUs vest and are sold the same day at
+the same FMV (verified across 14 historical vests). When a SELL email
+is parsed AND its trade date is on or after `VEST_INFER_FROM_DATE`,
+we ALSO emit a paired BUY representing the underlying vest event —
+same date, same quantity, same price. The date boundary stops this
+back-filling historical vests that already have csv-sourced BUY rows
+in Wealthfolio (which would duplicate at chart-level despite distinct
+external_ids).
 
 On any parse failure we return an empty list — an unparseable email
 shouldn't crash the IMAP batch.
@@ -17,6 +24,8 @@ shouldn't crash the IMAP batch.
 from __future__ import annotations
 
 import logging
+import os
+from datetime import date, datetime
 from decimal import Decimal, InvalidOperation
 
 from bs4 import BeautifulSoup
@@ -29,9 +38,34 @@ log = logging.getLogger(__name__)
 _ACCOUNT_ID = "schwab-workplace"
 _DEFAULT_CURRENCY = "USD"
 
+# Inferred-BUY synthesis boundary. SELL emails on or after this date
+# emit a paired BUY for the underlying vest; earlier ones do not (they
+# already have csv-sourced BUYs in Wealthfolio from the one-shot
+# historical backfill, last vest 2026-02-18). Override at runtime with
+# the env var if a different cutover is needed. ISO-8601 yyyy-mm-dd.
+_DEFAULT_VEST_INFER_FROM = "2026-04-01"
+
+
+def _vest_infer_from() -> date:
+    raw = os.environ.get("SCHWAB_VEST_INFER_FROM_DATE", _DEFAULT_VEST_INFER_FROM).strip()
+    try:
+        return datetime.strptime(raw, "%Y-%m-%d").date()
+    except ValueError:
+        log.warning(
+            "SCHWAB_VEST_INFER_FROM_DATE=%r is not yyyy-mm-dd; using default %s",
+            raw, _DEFAULT_VEST_INFER_FROM,
+        )
+        return datetime.strptime(_DEFAULT_VEST_INFER_FROM, "%Y-%m-%d").date()
+
 
 def parse_schwab_email(raw_html: str) -> list[Activity]:
-    """Return a one-element list of Activity on success, empty on failure."""
+    """Return Activities for a Schwab trade-executed email.
+
+    Returns: empty list on parse failure; one Activity for a BUY-direction
+    email (rare — the workplace account is essentially sell-only); for a
+    SELL email, returns [SELL] plus an inferred paired BUY (=vest event)
+    when the trade date is on or after the synthesis-boundary date.
+    """
     try:
         soup = BeautifulSoup(raw_html, "html.parser")
         cells = [
@@ -52,22 +86,40 @@ def parse_schwab_email(raw_html: str) -> list[Activity]:
         for sign in ("$", "£", "€", "USD", "GBP", "EUR"):
             price_clean = price_clean.replace(sign, "")
         unit_price = Decimal(price_clean.replace(",", "").strip())
+        ticker_clean = ticker.strip()
 
-        external_id = (f"schwab:{trade_date.date().isoformat()}:{ticker}:"
+        external_id = (f"schwab:{trade_date.date().isoformat()}:{ticker_clean}:"
                        f"{direction.value}:{quantity}")
-        return [
+        primary = Activity(
-            Activity(
+            external_id=external_id,
-                external_id=external_id,
+            account_id=_ACCOUNT_ID,
-                account_id=_ACCOUNT_ID,
+            account_type=AccountType.GIA,
-                account_type=AccountType.GIA,
+            date=trade_date,
-                date=trade_date,
+            activity_type=direction,
-                activity_type=direction,
+            symbol=ticker_clean,
-                symbol=ticker.strip(),
+            quantity=quantity,
-                quantity=quantity,
+            unit_price=unit_price,
-                unit_price=unit_price,
+            currency=_DEFAULT_CURRENCY,
-                currency=_DEFAULT_CURRENCY,
+            notes=f"schwab-email:{direction_txt}",
-                notes=f"schwab-email:{direction_txt}",
+        )
-            )
+
-        ]
+        if direction is not ActivityType.SELL or trade_date.date() < _vest_infer_from():
+            return [primary]
+
+        inferred_buy = Activity(
+            external_id=(f"schwab:vest:{trade_date.date().isoformat()}:"
+                         f"{ticker_clean}:BUY:{quantity}"),
+            account_id=_ACCOUNT_ID,
+            account_type=AccountType.GIA,
+            date=trade_date,
+            activity_type=ActivityType.BUY,
+            symbol=ticker_clean,
+            quantity=quantity,
+            unit_price=unit_price,
+            currency=_DEFAULT_CURRENCY,
+            notes=(f"schwab-vest-inferred-from-same-day-sell | "
+                   f"paired_sell_external_id={external_id}"),
+        )
+        return [inferred_buy, primary]
     except (ValueError, InvalidOperation, IndexError, AttributeError):
         return []

tests/providers/parsers/test_schwab.py

@@ -80,5 +80,66 @@ def test_external_id_is_stable_across_reruns() -> None:
 
 def test_price_with_commas_parses() -> None:
     html = _SELL.replace("$612.34", "$1,612.34")
-    a = parse_schwab_email(html)[0]
+    # The first activity is the inferred BUY (date 2025-01-23 ≥ 2026-04-01? no →
-    assert a.unit_price == Decimal("1612.34")
+    # only one activity for this old-dated email), so index 0 is the SELL.
+    acts = parse_schwab_email(html)
+    sell = next(a for a in acts if a.activity_type is ActivityType.SELL)
+    assert sell.unit_price == Decimal("1612.34")
+
+
+# --- Inferred vest BUY ---------------------------------------------------
+
+
+def _recent_sell(date_iso: str = "2026-05-19", qty: str = "55", price: str = "609.35") -> str:
+    return f"""
+<html><body><table>
+<tr><td class="dark-background-body" align="right">{date_iso}</td></tr>
+<tr><td class="dark-background-body" align="right">Sold</td></tr>
+<tr><td class="dark-background-body" align="right">{qty}</td></tr>
+<tr><td class="dark-background-body" align="right">META</td></tr>
+<tr><td class="dark-background-body" align="right">${price}</td></tr>
+</table></body></html>
+"""
+
+
+def test_recent_sell_emits_paired_buy() -> None:
+    """SELL dated on/after the synthesis boundary triggers a paired BUY."""
+    acts = parse_schwab_email(_recent_sell())
+    assert len(acts) == 2
+
+    buy = next(a for a in acts if a.activity_type is ActivityType.BUY)
+    sell = next(a for a in acts if a.activity_type is ActivityType.SELL)
+
+    assert buy.quantity == sell.quantity == Decimal("55")
+    assert buy.unit_price == sell.unit_price == Decimal("609.35")
+    assert buy.date == sell.date
+    assert buy.symbol == sell.symbol == "META"
+    assert "schwab-vest-inferred-from-same-day-sell" in (buy.notes or "")
+    assert buy.external_id == "schwab:vest:2026-05-19:META:BUY:55"
+    assert sell.external_id == "schwab:2026-05-19:META:SELL:55"
+
+
+def test_old_sell_emits_only_sell() -> None:
+    """SELL dated before 2026-04-01 (default boundary) skips the paired BUY —
+    those vests already have csv-sourced BUY rows in Wealthfolio."""
+    acts = parse_schwab_email(_recent_sell(date_iso="2025-08-19"))
+    assert len(acts) == 1
+    assert acts[0].activity_type is ActivityType.SELL
+
+
+def test_boundary_env_var_overrides(monkeypatch: object) -> None:
+    """The synthesis boundary is configurable via env var."""
+    import os
+    os.environ["SCHWAB_VEST_INFER_FROM_DATE"] = "2025-01-01"
+    try:
+        acts = parse_schwab_email(_recent_sell(date_iso="2025-08-19"))
+        assert len(acts) == 2  # now in scope
+    finally:
+        del os.environ["SCHWAB_VEST_INFER_FROM_DATE"]
+
+
+def test_buy_email_does_not_emit_inferred_buy() -> None:
+    """BUY-direction emails (rare for workplace account) don't get paired."""
+    acts = parse_schwab_email(_BUY.replace("2024-11-15", "2026-05-15"))
+    assert len(acts) == 1
+    assert acts[0].activity_type is ActivityType.BUY