Mid-level tech employee with significant RSU/option grants, concentrated stock position, AMT exposure, high base salary.
A-06 is the mid-level tech employee post-RSU-vest-cliff: equity has become a material balance-sheet line, supplemental withholding under-withholds at vest, AMT preference items appear on ISO exercises, ESPP discount triggers add another tax-lot wrinkle, and concentrated-position risk in employer stock is the dominant portfolio-construction question.
A-06 captures the early-accumulation tech employee whose equity compensation has matured past the F-01 'scheduled but not realized' stage into materially-vested-and-counted balance-sheet wealth. The defining technical surface is the equity-comp stack: §83 RSU income recognition at vest with the supplemental-withholding 22% default rate that systematically under-withholds at the A-06 income range (median $267k), §422 ISO exercise mechanics with AMT preference under §56(b)(3) — the canonical 'exercise-and-hold creates phantom income' scenario — §423 ESPP qualified-disposition timing rules with the discount-as-ordinary-income wrinkle, and §83(b) elections on early-exercise pre-IPO equity where the election window is 30 days from grant. Concentrated-position risk in employer stock is the dominant portfolio question: median investable assets of $955,578 are heavily weighted toward employer equity, and the corpus is the right fixture for testing 10b5-1 plans, exchange funds, and direct-indexing-as-diversifier UX. Backdoor and mega-backdoor Roth are mandatory at this income range. The §1411 NIIT triggers on any sizeable taxable-brokerage gains.
Cash-flow shape is unusual: high W-2 base salary plus supplemental RSU income that arrives in quarterly chunks at vest, creating the AGI-volatility problem that breaks naive monthly-average withholding calculations. Median combined gross of $267,158, median net worth $1.42M, median liquid net worth $606,307 — substantially higher than A-03 at the same family-structure stage. 27 of 32 households are homeowners (84% — highest of any Accumulation Early archetype), 27 carry mortgages, 16 carry student loans (the A-05-style training debt that has not yet been paid off despite the high income), and 13 carry auto loans.
A-06 is distinct from neighbouring archetypes because of the equity-compensation tax surface that no other archetype carries at this scale. A-03 (Dual-Income Professional Couple) has similar combined income but professional-W-2 with no equity-comp tax wrinkles. A-05 has similar income but a debt-heavy balance sheet rather than equity-heavy. P-01 (Peak Earner — Corporate Executive) is the same equity-comp surface 10–15 years advanced with NQSO, SERP, and deferred comp added. P-06 (Sudden Wealth Recipient) overlaps when an A-06 household has just hit a post-IPO liquidity event. CR-01 (Crypto-Heavy / DeFi Investor) shares concentrated-position risk but with crypto rather than employer stock. F-01 is the pre-vest precursor.
Aggregated across the 32 A-06 households in the shipped v3 corpus corpus. Numbers describe the corpus, not population claims.
Lauren is a single-parent A-06 household with two dependents (18 and 14) and a $604k taxable brokerage that dominates the liquid balance sheet — the equity-comp-as-portfolio-concentration signature the archetype is built around. Income ($334k) and net worth ($1.84M) sit above the corpus medians ($267k / $1.42M) but the asset mix is the diagnostic: brokerage almost matches the $648k retirement-account total, indicating accumulated post-vest RSU sale proceeds rather than long-tenured 401(k) compounding. Retirement and debt payoff are on track; education funding is materially behind with the older dependent already 18 — exactly the planner-UX edge case where a single-parent equity-rich household needs the 529-vs-taxable-account decision tree run against an imminent first-tuition draw rather than a 10-year horizon.
Every A-06 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-06 most heavily. Wealth-management platforms targeting tech employees with equity comp use the corpus for 10b5-1 sale-plan construction, exchange-fund eligibility checking, AMT-aware ISO-exercise calculators, and direct-indexing-as-diversifier UX against concentrated employer-stock positions. Tax-software teams (premium consumer tax-prep platforms, professional tax-prep software, plus equity-specific compensation-planning tools) use A-06 for §83 RSU income with supplemental-withholding underwithhold detection, §56(b)(3) AMT preference on ISO exercises with §53 credit carryforward, §423 ESPP qualifying-disposition tracking, and §83(b) election handling. Equity-management platforms use A-06 for the canonical employee-perspective view of grant, vest, exercise, and sale.
A-06 is the mid-level tech employee with vested equity at scale. The pre-vest new-grad tech worker with scheduled-but-unrealized grants belongs in F-01 (New Graduate Tech Worker) — A-06 picks up after the first cliff. The recent-IPO household with a sudden $5M–$50M liquidity event from option exercise plus stock sale belongs in P-06 (Sudden Wealth Recipient) — A-06 models the steady-state employee whose equity has matured incrementally, not the liquidity-event windfall. Founder-level equity holders pre-liquidity with material paper wealth in their own company belong in a custom blend closer to P-02 attributes. Households with similar concentrated-position risk but in crypto/DeFi rather than employer stock belong in N-01 or CR-01 (Crypto-Heavy / DeFi Investor). Finally, A-06 does not stress post-divorce equity-comp division (QDRO-adjacent for restricted stock) or the cross-border-vesting visa-status interaction — those layer onto S-01 or F-06 respectively.
Income and equity-component distributions during v3 synthesis referenced public compensation-band data for mid-level engineering, product, and data roles at large public-tech employers, with concentration in CA, WA, NY, MA, and TX metros reflecting empirical employer-hub geography. RSU-vesting schedules referenced typical 4-year-1-year-cliff or 4-year-quarterly grant structures. AMT and ISO prevalence referenced the IRS Statistics of Income tabulations on Form 6251 filers in this income band. Per CLAUDE.md §9 the v3 corpus is frozen; these notes describe priors applied at synthesis rather than a reproducible regeneration path. The corpus does not model specific company tickers or grant histories — concentration is parameterised by percentage, not by name.
F-01 is the pre-vest new graduate with scheduled-but-unrealized RSU grants and no equity-comp tax surface yet active. A-06 picks up after the first vest cliff once equity becomes a material balance-sheet line.
P-01 is the senior-executive version 10–15 years advanced, with NQSO, deferred comp, SERP, golden-parachute provisions, and material estate-planning exposure. A-06 is the mid-level early-career stage of that arc.
P-06 is the sudden-wealth recipient — a single post-IPO or post-acquisition liquidity event delivers $5M–$50M+ in a tax year. A-06 is the steady-state employee whose equity has matured incrementally, not the windfall recipient.
A-03 is the dual-W-2 professional couple at similar combined income but without equity-comp tax surface. Reach for A-03 when the testing scenario does not need ISO/AMT/RSU/ESPP mechanics.
A-06 — Tech Employee with Equity models the mid-level tech employee post-vest-cliff with materially vested RSU, ISO, or ESPP positions. The defining tax surface is §83 RSU income recognition, §56(b)(3) AMT preference on ISO exercises, §423 ESPP qualifying-disposition mechanics, and §83(b) elections on early-exercised equity, plus the concentrated-position risk in employer stock that drives 10b5-1 and exchange-fund decisions.
F-01 is pre-vest — RSU grants exist on paper but have not yet produced realized equity income, so AMT and ISO mechanics are theoretical. A-06 is post-vest with equity as a material balance-sheet line, supplemental-withholding shortfalls, and concentrated-position-risk planning as active concerns.
The corpus is calibrated toward §422 ISO mechanics with §56(b)(3) AMT preference items because that is the typical mid-level tech compensation structure. §83(i) NQSO is the modal vehicle at the senior-executive P-01 stage; A-06 households whose options are NQSO rather than ISO are present but less frequent in the corpus.
Median investable assets are heavily weighted toward employer equity at 30–60% concentration ranges; the corpus does not model specific company tickers but parameterises concentration as a percentage of investable assets. The testing surface is 10b5-1 plan construction, exchange-fund eligibility (typically requiring $1M+ concentrated position), and direct-indexing-as-diversifier construction.
Yes. Combined household income at A-06's median ($267k) is well above the §408A direct-Roth-contribution phase-out, making backdoor Roth mandatory annually. Mega-backdoor Roth via after-tax 401(k) plus in-plan Roth conversion is available at most large tech employers and is the relevant testing surface for retirement-plan UX.
No. The shipped v3 A-06 corpus is frozen as of the corpus drift confirmation on 2026-05-09. Sampler improvements land in a future v4 release; the current 32 households are not reproducible from current code.
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