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 Data Sets it appears in — so you can pick the exact household shapes your software needs to handle.
Every archetype is anchored to one of five lifecycle stages. The stage drives which planning rules apply, which accounts dominate the balance sheet, and how tax complexity escalates.
Early careers and first balance sheets — student debt, starter savings, simple taxes.
Peak earning and saving — homes, equity comp, growing retirement accounts.
Pre-retirement — catch-up contributions, Roth conversions, sequencing risk.
Retirement income — Social Security, RMDs, IRMAA, withdrawal ordering.
Estates and transitions — trusts, beneficiaries, inheritance, life events.
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.
Cohorts group archetypes by situation, not just age — special situations, behavioral profiles, niche industries, and underserved segments each get first-class coverage.
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 Data Set or scope a custom build.