Two professional earners, combined income $200k–$350k, maxing retirement accounts, taxable brokerage, planning for private school.
A-03 is the dual-W-2 affluent household where both earners max their 401(k)s, backdoor Roth becomes a yearly mechanical exercise, the SALT cap actually bites, and the planning surface shifts from 'can we afford this' to 'how do we shelter what we have'.
A-03 captures the early-career affluent dual-W-2 household — typically two professionals in their mid-thirties to mid-forties, combined gross of $200k–$350k, with the cash-flow capacity to fully fund both employer-sponsored retirement plans and direct material savings into taxable brokerage. The defining technical surface is the high-income planner-construct stack: §408A backdoor Roth (mandatory at this income range because direct Roth contributions phase out), §401(a)(17) compensation-limit interaction with employer-match design, the §164(b)(6) SALT cap that turns the household's $20k–$40k of state-income-plus-property-tax into a $10k federal deduction ceiling, and §1411 NIIT on investment income above the $250k MFJ threshold. Mega-backdoor Roth via after-tax 401(k) contributions plus in-plan Roth conversion is available at a meaningful subset of employer plans and is the relevant testing surface for retirement-plan UX. Umbrella liability coverage is the modal insurance-product addition at this wealth tier.
Cash-flow shape is structurally comfortable: median combined gross of $301,500, median net worth $1.4M, median liquid net worth $618k, median investable assets $953k. 24 of 30 households are homeowners and 24 carry mortgages — typically a primary residence in a HCOL metro plus 5–10 years of amortization. The corpus shows the household completing late-formation goal capture (debt payoff: 24 of 30 households flagged on-track) while still carrying 25 of 30 households with active 529 contributions for children in the 3–12 age band. The interesting cash-flow tension is private-school tuition: not a goal-line item in Synthetic Wealth Data Sets' schema, but referenced behaviourally in the archetype as a frequent claim on the same cash flow that funds 529 contributions.
A-03 is distinct from neighbouring archetypes because of the high-income-without-yet-being-HNW positioning. A-01 has the same family structure at mass-affluent income with cash-flow strain. P-01 (Peak Earner — Corporate Executive) is the same trajectory advanced 10 years with deferred comp, NQSO, and SERP in play. H-01 (Affluent Investor) overlaps the net-worth range but is wealth-tier-defined rather than income-tier-defined and skews older. A-03 is the cell where the household is generating the income that will eventually produce H-01 or H-02 balance sheets but has not yet hit the wealth-tier-triggered planning constructs.
Aggregated across the 30 A-03 households in the shipped v3 corpus corpus. Numbers describe the corpus, not population claims.
Daniel and Abigail are an A-03 household at the corpus median income with materially below-median net worth ($904k vs $1.4M median) — the diagnostic profile of a high-income couple whose accumulated balance sheet is still catching up to current earnings. Healthcare-primary plus Education-spouse is a common pairing where the lower-paid spouse anchors household stability and the higher-paid spouse provides the affluent-tier compensation. They are on track for debt payoff but behind on both the $5.7M retirement target and the $638k education-funding goal — the diagnostic mismatch that requires planner UX to surface the 'income-trajectory will likely close this gap' projection rather than treating current behind-status as failure.
Every A-03 household ships with — at minimum — these JSON fields populated. The full schema is documented in the data set you purchase.
Three buyer profiles draw on A-03 most heavily. Wealth-management onboarding teams at fee-only RIAs and affluent-tier robo-advisor platforms use the corpus for household-level intake covering two 401(k)s, two backdoor Roths, joint and individual taxable brokerages, and a 529 per child. Tax-software flows at the high-income tier (premium consumer tax-prep platforms, professional tax-prep software, plus embedded-tax-engine providers) use A-03 for backdoor Roth Form 8606 mechanics, §1411 NIIT on investment income, SALT-cap-induced AMT-adjacent planning, and the §199A QBI deduction for households where one spouse has K-1 income. Insurance-product teams use the corpus for the canonical first-umbrella-policy need-analysis and the term-life-coverage upsize from the $500k-per-earner level typical of A-01.
A-03 is dual-W-2 affluent by construction. Households at the same family structure but with one spouse running a profitable LLC or S-Corp belong in A-04 (Small Business Owner — Early Stage) rather than A-03, even though combined income may be similar. The same household structure 10–15 years later, with deferred comp, NQSO, SERP, and material concentrated employer stock, belongs in P-01 (Peak Earner — Corporate Executive). Households whose income source is RSU-driven tech equity rather than professional W-2 belong in A-06 (Tech Employee with Equity), even at similar combined gross. Households where one spouse is a physician and the other a higher-income professional belong in P-03 (Dual High-Income Professionals) once combined income clears $500k. Finally, A-03 does not yet stress estate-planning surface area — for the same balance sheet with estate-tax exposure, see H-01.
Income and wealth distributions during v3 synthesis referenced Survey of Consumer Finances (SCF) tabulations for the dual-earner married-couple cohort in the 32–45 age band at the $200k–$350k household income range, with HCOL metro concentration informed by ACS PUMS data. Mortgage balance and homeownership rates referenced HMDA originations filtered to professional-services-and-tech-MSA borrower profiles. The over-representation of CA, NY, and TX (16 of 30 households) reflects the empirical concentration of dual-professional households at this income level rather than a uniform-state assumption. Per CLAUDE.md §9 the v3 corpus is frozen; these notes describe priors applied at synthesis rather than a reproducible regeneration path.
A-01 has the same dual-W-2-with-kids structure at mass-affluent income ($85k–$205k). Same constraints, materially less budgetary slack; planning surface is affordability rather than high-income shelter construction.
P-01 is the same trajectory 10–15 years advanced into peak-earning years with deferred comp, NQSO, SERP, and material concentrated employer stock in play. A-03 has not yet hit those planning constructs.
P-03 is the older, higher-income (combined $500k+) dual high-income-professional couple with NIIT, AMT, DAF, and mega-backdoor Roth in active use, plus children typically transitioning out of college funding. A-03 is the precursor.
A-06 substitutes tech-equity compensation (RSU, ISO, ESPP) for the professional-W-2 income type. Income magnitude can be similar but the tax surface (AMT, 83(b), QSBS) differs entirely.
A-03 — Dual-Income Professional Couple models the early-career affluent dual-W-2 household: two professionals in their mid-thirties to mid-forties, combined gross $200k–$350k, both maxing retirement plans, backdoor Roth in active use, and a taxable brokerage already material. The planning surface has shifted from affordability to shelter construction.
Yes, where employer plans permit it. The corpus reflects the empirical reality that not all employers offer the after-tax 401(k) plus in-plan-Roth-conversion sequence; the testing surface includes both the available-and-elected and available-but-not-elected branches.
24 of 30 corpus households carry student loans alongside mortgages. Empirically, dual-professional couples in healthcare, law, and academia accumulate $100k–$300k of graduate-program debt that survives well into peak-earning years even at this income. The corpus is the right fixture for testing prepay-the-mortgage-vs-prepay-the-student-loans decision UX.
P-03 is the same household structure 5–15 years later at materially higher combined income ($500k+) with NIIT, AMT, DAF, and mega-backdoor Roth in active use. College funding is typically complete in P-03; A-03 is in the middle of it.
Term-life upsized from $500k-per-earner to $1M–$2M-per-earner against income-replacement plus mortgage-payoff plus 529-funding obligations, plus first-umbrella-policy at $1M–$5M against the household's net-worth-driven liability exposure. Disability coverage matters more here than at A-01 because of the higher income at risk.
No. The shipped v3 A-03 corpus is frozen as of the corpus drift confirmation on 2026-05-09. Sampler improvements land in a future v4 release; the current 30 households are not reproducible from current code.
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