Investor who screens investments based on ESG criteria, religious values (halal, biblically responsible), or impact thesis. DAF holder, community investment.
ES-01 is the values-screened affluent investor where halal, biblically responsible, and impact-bond mandates sit alongside conventional ESG screens — and where a sizeable DAF and a $1M+ liquid balance make those mandates economically real rather than aspirational.
ES-01 represents the affluent investor whose portfolio construction is governed by a values mandate alongside a return mandate, with the corpus weighted toward households where the values layer is sophisticated enough to require purpose-built product. Two structural elements distinguish this archetype. First, the screen set extends beyond standard ESG (negative screens on tobacco, weapons, fossil fuels) into religion-specific frameworks: Shariah-compliant investing with its prohibition on interest-bearing instruments (no conventional bonds, no bank common stock above debt-ratio thresholds, AAOIFI standards governing purification), biblically responsible investing screens (BRI — typically excluding pornography, abortion-related, and certain entertainment categories), and similar Catholic, Jewish, and other faith-based mandates. Second, the corpus skews to households with a Donor-Advised Fund (mainstream DAF sponsors, plus faith-affiliated sponsors such as Christian-foundation and Muslim-faith DAF programs), where impact-bond holdings and direct community-investment notes (CDFI notes, mission-driven impact loans) appear alongside the public-equity portfolio.
Cash flow is the affluent dual-income story — median combined income $278k, median net worth $2.57M, $1.39M liquid — with 72% homeowners and a married-filing-jointly dominance (14 of 18). The corpus is in the peak-accumulation phase (median adult age 50, range 37-67), the wealth tier where values screens become economically consequential rather than symbolic. Investable assets concentrate in screened mutual funds, faith-based ETFs (halal-screened and biblically-responsible ETFs), green and impact bonds (supranational green bonds plus state-program and community-investment notes), and DAF positions held for grantmaking with multi-year time horizons.
What separates ES-01 from N-02 — the C12 Niche ESG archetype — is the explicit faith-based and impact-bond surface. N-02 covers values-aligned investors using mainstream ESG products (sustainable mutual funds, fossil-fuel-free ETFs, basic shareholder-advocacy participation) at any wealth tier. ES-01 is calibrated for the household where the screen set is religion-specific or impact-bond-inclusive and where the wealth tier ($1M+ liquid) supports separately managed accounts, purification calculations, qualified-charitable-distribution planning, and the kind of custom-screened SMA work that mass-market product cannot deliver.
Aggregated across the 18 ES-01 households in the shipped v3 corpus corpus. Numbers describe the corpus, not population claims.
John is a 37-year-old single finance professional in Chicago at the young end of the ES-01 cohort (corpus median age 50) with $279k income, $2.35M net worth, and $1.05M liquid — the early-career-affluent single rather than the peak-accumulation family case that dominates the archetype. The corpus does not encode an explicit ESG screen, halal flag, DAF balance, or impact-bond holding on this seed (the alternative-investment line is a $190k real-estate crowdfunding position rather than a faith- or impact-tagged sleeve), so the rep is the testing posture for the ESG planning surface — single filing status puts QCD and DAF bunching strategies on the table earlier than the MFJ majority, and if the household holds the impact-bond sleeve typical of this archetype, the projection engine must absorb the intentionally below-market yield assumption without overstating the $4.7M retirement trajectory the seed currently shows as on-track.
Every ES-01 household ships with — at minimum — these JSON fields populated. The full schema is documented in the data set you purchase.
Faith-aligned wealth platforms use ES-01 to validate screen application against an affluent client base where SMA-level customization is normal. RIA technology vendors building ESG-portfolio rebalancing use the corpus to test custom-screen reconciliation logic and the post-trade compliance flow when corporate actions create screen breaches. DAF sponsors (mainstream and faith-affiliated sponsors) test grant-recommendation UX and the year-over-year contribution-and-grant accounting against ES-01's bunched-deduction patterns. Note that the religion/race-ethnicity overlay only applies to B08-tagged and B26-tagged households per CLAUDE.md §3.
ES-01 is the values-screened affluent case. N-02 in the C12 cohort covers values-aligned investors without the faith-based / impact-bond depth — a mass-affluent buyer who wants 'sustainable mutual funds' fits N-02, not ES-01. Wealth tiers above the ES-01 net-worth band (large-DAF, private-foundation-instead-of-DAF households) belong in H-02 or H-03 with an ESG overlay, since the planning surface shifts to private-foundation excise tax, 5% minimum payout, and Form 990-PF. Direct impact-only investors with concessionary-rate private credit at scale (mission-driven impact-fund LP positions in seven figures, major social-finance commitments) are not represented — that profile sits at the H-03/H-tier intersection. Households where the values screen is purely aspirational (stated preference, no actual portfolio differentiation) are excluded by design; the corpus assumes the screens are operationally implemented.
Income and wealth bands during v3 synthesis were anchored to the affluent percentile bands of the Survey of Consumer Finances, with religion-affiliation share informed by the US Religion Census and Pew Religious Landscape Study to keep the faith-based subgroup plausible without claiming specific quantile matches. DAF prevalence rates were informed by industry DAF reports and the Giving USA series. Negative-screen sectors and impact-bond product categories were chosen to reflect what was actually purchasable as of synthesis (halal-screened ETFs, biblically-responsible funds, supranational green bonds, CDFI notes, and mission-driven impact loans for the impact-bond sleeve). The religion and race-ethnicity overlays appear only on B08-tagged and B26-tagged households per CLAUDE.md §3; default ES-01 households do not surface those fields. Per CLAUDE.md §9 the v3 corpus is frozen and not regenerable from current code.
N-02 is the broader ESG / values-aligned investor at any wealth tier without the faith-based or impact-bond depth. Use N-02 when the testing focus is mainstream ESG product (sustainable mutual funds, fossil-fuel-free ETFs); use ES-01 when halal screens, BRI screens, or impact-bond positions are the testing surface.
Choose H-02 when the wealth tier moves above $3M and the planning surface shifts to GRATs, SLATs, and family-office economics — an ES-01 mandate can layer on top, but the H-02 estate complexity is the primary feature.
E-02 is the estate-planning grantor case where charitable-trust planning (CRT, CRUT, CLAT) is the testing surface. ES-01's DAF holdings inform the same planning conversations but at a different vehicle level.
P-03 is the peak-earning dual high-income professional cohort without a specific values mandate. Choose P-03 when income and tax-planning surface are the focus; ES-01 when values-screened portfolio construction is the operational differentiator.
ES-01 — ESG / Faith-Based / Impact Investor represents an affluent household whose investment portfolio is governed by a values mandate alongside a return mandate, with screens that extend beyond standard ESG into religion-specific frameworks (halal/Shariah, biblically responsible) and impact-bond exposure. The wealth tier (median $2.57M net worth, $1.39M liquid) supports the SMA-level customization and DAF activity these mandates typically require.
N-02 covers the broader values-aligned investor — mass-affluent or affluent, using mainstream ESG products. ES-01 is the specialized case: faith-based screens are present (halal purification, BRI exclusion lists), impact-bond positions appear in the fixed-income sleeve, and the wealth tier supports separately managed accounts with custom screen sets. Software validated only on N-02 may not exercise the purification calculation or the impact-bond yield modeling that ES-01 surfaces.
Only on bundles tagged B08 (ESG Values) and B26 (Faith-Based) per CLAUDE.md §3. The default ES-01 persona does not include religion or race-ethnicity; those fields are added as a conditional overlay where the bundle's testing purpose requires them.
The corpus represents portfolios consistent with AAOIFI-aligned screens but does not execute the purification calculation as a dynamic year-end event — that's the kind of computation the buyer's software typically performs against the household's positions. ES-01 provides the structural setup (Shariah-screened holdings, the small incidental income share that would trigger purification) for the buyer to layer their purification engine on top.
ES-01 is tagged for B02, B05, B08, B14, B24, and B26 — covering tax planning, equity / concentrated-asset adjacent testing, ESG / values, retirement, niche/specialty, and the faith-based bundle where the religion overlay applies. See the right-hand sidebar for the bundles that ship ES-01 households.
No. The shipped 1,451-household v3 corpus is frozen as of synthesis; drift was confirmed on 2026-05-09. Per CLAUDE.md §9, v3 ES-01 households should be treated as a static reference dataset rather than as a regenerable output.
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