Statistically distinct household financial profiles organized into 20 cohorts spanning the full wealth lifecycle. Each archetype is documented with age range, wealth tier, tax complexity, and the bundles it appears in.
A diverse cross-section of the corpus — every life stage, every wealth tier. The full list of all 71 archetypes by cohort follows below.
Recent college graduate in a tech role, high income relative to peers, significant student debt, renting in HCOL city, beginning to invest.
DINK household, both working professionals, combining finances, saving for a home purchase, beginning to build wealth.
Married couple with 1–2 young children, recently purchased first home, juggling mortgage, childcare costs, and retirement savings.
Mid-level tech employee with significant RSU/option grants, concentrated stock position, AMT exposure, high base salary.
Senior corporate executive, deferred compensation, NQSO, large equity stake, complex tax situation, estate planning needs.
Active real estate investor with 3–8 rental properties, depreciation, 1031 exchanges, leveraged portfolio.
HNW household, family office candidate, complex estate plan, GRATs, irrevocable trusts, private equity exposure.
Corporate employee 5 years from retirement, pension + 401k, Social Security optimization, healthcare bridge planning.
Financial Independence / Retire Early adherent, retired in 40s–50s, 4% rule, Roth conversion ladder, ACA planning.
Retiree navigating RMDs, Medicare Part D, long-term care considerations, QCDs, estate simplification.
HNW individual actively engaged in estate planning, irrevocable trusts, gifting strategies, charitable vehicles.
Owner of a profitable LLC or S-Corp, taking reasonable salary plus distributions, QBI deduction, solo 401k or SEP-IRA, mixing personal and business finances.
Recent college graduate in a tech role, high income relative to peers, significant student debt, renting in HCOL city, beginning to invest.
Freelancer or gig worker with variable income, no employer benefits, self-employed tax obligations, minimal savings.
DINK household, both working professionals, combining finances, saving for a home purchase, beginning to build wealth.
First in family to attend college or build financial assets. Limited financial literacy, no family wealth transfer, building from scratch.
Active duty enlisted service member with BAH, BAS, and SGLI. TSP participant, Tricare coverage, frequent relocation.
Foreign national on H-1B visa, high tech salary, FBAR obligations, remittances home, visa-dependent financial decisions.
Married couple with 1–2 young children, recently purchased first home, juggling mortgage, childcare costs, and retirement savings.
Single parent with 1–2 children, head-of-household filing, EITC eligible, stretched budget, limited retirement savings.
Two professional earners, combined income $200k–$350k, maxing retirement accounts, taxable brokerage, planning for private school.
Owner of a small business (LLC or S-Corp), mixing personal and business finances, SEP-IRA or Solo 401k, variable income.
Physician or dentist in early career, high student debt ($200k–$400k), high income, PSLF eligible if hospital-employed.
Mid-level tech employee with significant RSU/option grants, concentrated stock position, AMT exposure, high base salary.
Senior corporate executive, deferred compensation, NQSO, large equity stake, complex tax situation, estate planning needs.
Owner of a profitable business ($1M–$5M revenue), business as primary asset, succession planning, buy-sell agreement.
Two high-earning professionals (lawyers, doctors, finance), combined income $500k+, complex tax planning, college funding complete.
Active real estate investor with 3–8 rental properties, depreciation, 1031 exchanges, leveraged portfolio.
Late starter for retirement savings, maxing catch-up contributions, downsizing home, children leaving, focused on retirement.
Recently received large windfall (inheritance, business sale, IPO, settlement), navigating sudden wealth syndrome, tax planning.
Household with $1M–$3M investable assets, working with RIA, diversified portfolio, estate planning in progress.
HNW household, family office candidate, complex estate plan, GRATs, irrevocable trusts, private equity exposure.
UHNW household, family office, complex multi-generational estate plan, private foundation, direct investments.
Recently widowed spouse inheriting significant assets, navigating estate settlement, survivor benefits, advisor relationship.
Corporate employee 5 years from retirement, pension + 401k, Social Security optimization, healthcare bridge planning.
Business owner approaching retirement, no pension, SEP-IRA/Solo 401k, business sale as retirement event.
Public sector employee with defined benefit pension, 403(b)/457, Social Security offset (WEP/GPO), retiree health benefits.
Recently retired, active lifestyle, managing withdrawal strategy, Medicare transition, part-time income.
Financial Independence / Retire Early adherent, retired in 40s–50s, 4% rule, Roth conversion ladder, ACA planning.
Retiree with generous defined benefit pension covering most expenses, modest investable assets, limited financial complexity.
Retiree navigating RMDs, Medicare Part D, long-term care considerations, QCDs, estate simplification.
Elderly widow or widower on fixed income, Social Security survivor benefit, Medicare, limited assets, family support.
Individual going through divorce, QDRO, asset division, alimony, rebuilding single finances.
Individual recovering from Chapter 7 or 13 bankruptcy, rebuilding credit, limited access to financial products.
Household facing significant medical debt from catastrophic illness, insurance gaps, financial stress.
Adult child providing financial and/or physical care for aging parent, sandwich generation, career impact.
Individual recently entering the banking system, building credit from scratch, using prepaid cards and check cashing.
Working family below median income, EITC eligible, SNAP/Medicaid, limited savings, paycheck-to-paycheck.
Recent immigrant building financial life in the US, remittances, thin credit file, ITIN filer, cultural financial norms.
Millennial receiving significant inheritance ($500k–$2M), navigating inherited IRA rules, investment decisions, advisor selection.
HNW individual actively engaged in estate planning, irrevocable trusts, gifting strategies, charitable vehicles.
Young adult from HNW family, custodial accounts, trust distributions, financial education, kiddie tax.
Individual with high financial anxiety, avoids opening statements, procrastinates on financial decisions, needs coaching.
Self-directed investor with overconfidence bias, concentrated positions, excessive trading, underperforming benchmark.
High earner with lifestyle inflation, minimal savings despite good income, high discretionary spending, credit card debt.
Investor with significant crypto holdings (>20% of net worth), DeFi exposure, NFTs, complex tax reporting.
Investor who screens for ESG criteria, faith-based exclusions, or impact investing. May sacrifice returns for values alignment.
Professional athlete or entertainer with short high-income career, large endorsement income, agent fees, post-career planning.
Employee or owner in cannabis industry, limited banking access, 280E tax treatment, cash-heavy business.
Retiree with significant annuity income (SPIA or VA), limited other assets, Medicare, Social Security.
Retiree living off dividend and interest income, minimal portfolio drawdown, taxable account heavy, qualified dividends.
Location-independent remote worker, multi-state or international tax exposure, no fixed home, variable cost of living.
Social media creator with brand deal income, platform revenue, merchandise, highly variable income, self-employed.
Same-sex married couple navigating unique financial planning considerations, adoption costs, estate planning, beneficiary designations.
Household with a member who has a disability or neurodivergence, ABLE account, SSI/SSDI, special needs trust.
First-time buyer navigating down payment assistance, FHA/conventional loan choice, PMI, closing costs, and affordability stretch in a high-rate environment.
Homeowner with negative or minimal equity, behind on payments, evaluating loan modification, short sale, or deed-in-lieu. High financial stress.
Active real estate investor with 3–10 rental properties, DSCR loans, LLC ownership, depreciation schedules, and 1031 exchange planning.
Owner of a profitable LLC or S-Corp, taking reasonable salary plus distributions, QBI deduction, solo 401k or SEP-IRA, mixing personal and business finances.
Independent consultant, attorney, CPA, therapist, or architect operating as sole proprietor or single-member LLC. Irregular income, self-funded benefits, SEP-IRA.
Partner in a professional firm or multi-member LLC, K-1 income, guaranteed payments, buy-sell agreement, deferred compensation, partnership interest valuation.
Household on a high-deductible health plan, maxing HSA contributions, investing HSA for retirement healthcare, triple tax advantage strategy.
Individual receiving SSDI or long-term disability benefits following illness or injury. Reduced income, Medicare eligibility, return-to-work considerations.
Household in a benefits gap — recently laid off, between jobs, or early retiree not yet Medicare-eligible. COBRA, ACA marketplace, or short-term coverage decisions.
Public service employee pursuing Public Service Loan Forgiveness after 120 qualifying payments. Income-driven repayment, employer certification, forgiveness tax planning.
Borrower on SAVE/IBR/PAYE plan with high debt-to-income ratio, negative amortization risk, 20–25 year forgiveness horizon, and potential tax bomb.
Parent who borrowed Parent PLUS loans for children's education. Limited repayment options, ICR-only IDR eligibility, retirement savings trade-off.
Active duty or recently retired military officer with BRS pension, TSP, VA loan, SBP election, and transition to civilian career planning.
Veteran with service-connected disability rating, VA disability compensation (tax-free), CRDP or CRSC, VA healthcare, and adaptive housing grant.
Investor with 20%+ of net worth in digital assets including BTC, ETH, DeFi protocols, staking rewards, and NFTs. Complex crypto tax reporting, self-custody.
Investor who screens investments based on ESG criteria, religious values (halal, biblically responsible), or impact thesis. DAF holder, community investment.
Remarried household with children from prior relationships. QTIP trust, beneficiary conflicts, child support obligations, competing inheritance goals.
Musician, author, visual artist, or content creator with royalty income, licensing fees, advance payments, and highly irregular cash flow. No employer benefits.
We ship 71 archetypes today, but the corpus expands every release. Tell us about the household profile you need and we’ll either point you to the closest existing bundle or scope a custom build.