HNW household, family office candidate, complex estate plan, GRATs, irrevocable trusts, private equity exposure.
The $3M–$10M tier is where estate planning stops being optional and family-office economics start to pencil out. H-02 models the household profile where GRATs, SLATs, and concentrated-position unwind strategies become the testing surface area.
H-02 sits at a specific inflection point that's underrepresented in publicly available test data. Below $3M, estate complexity is mostly future-tense; above $10M, families typically have multi-family-office relationships and bespoke structures that don't generalize. The $3M–$10M band is where wealth-tech products encounter the messy middle: AMT meaningfully bites, the lifetime gift exemption is in play but not yet exhausted, PE and venture allocations appear on K-1s but rarely dominate the balance sheet, and one or two illiquid concentrations typically anchor the household's risk profile. The corpus shows median net worth of $9.18M with the upper quartile near $14M — well inside the band, with a wide enough income distribution ($300k–$1M) to exercise both AMT-active and AMT-quiet years.
Cash-flow shape is post-peak-earnings but still earnings-positive. Median combined income is $499,888 with the 75th percentile near $640k. 84% are homeowners (mortgages still active in 21 of 25 households — jumbo geographies), and the goal mix shifts from accumulation-first to wealth-transfer-first: education funding is past peak for many households (14 of 25 still carrying it as a goal vs 21+ at younger archetypes), and the headline goal pattern is increasingly about estate efficiency rather than raw retirement target attainment. CA, NY, and TX concentrate 12 of 25 households — the state-estate-tax and high-marginal-rate geography that drives the testing surface.
What makes H-02 distinct from neighbors is the *inflection-point* nature of the wealth tier. H-01 below has the same managed-portfolio operating model but hasn't yet crossed the threshold where GRAT and SLAT mechanics pencil. H-03 above has crossed into family-office territory where the structures are bespoke and don't generalize across households. P-01/P-06 may share net-worth tier in transition states but H-02 is the steady-state HNW household — concentrated positions partially unwound, estate plan executed, advisor relationships stable.
Aggregated across the 25 H-02 households in the shipped v3 corpus corpus. Numbers describe the corpus, not population claims.
Christopher and Rebecca sit near the centre of the H-02 distribution — combined income at the corpus median, net worth slightly above. The diagnostic pattern is the goal-funding mix: on track for the debt-payoff goal that dominates this cohort, behind on retirement and education funding. They're the household that breaks naive 'they have $10M, they're fine' logic in your software.
Every H-02 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 H-02 most heavily. Wealth-platform engineering teams use it to validate UX flows that only activate above the $3M asset threshold — alternative-investment suitability gates, accredited-investor confirmations, fee-tier transitions, dedicated-advisor routing. Compliance teams use it to populate Reg BI rollover scenarios and concentrated-position disclosures where the dollar magnitudes matter. Tax-software teams use it for AMT and QSBS edge cases, charitable-deduction stacking, and trust-income flow-through testing.
H-02 households are calibrated as US-domiciled, single-jurisdiction estate situations. Cross-border complexity (non-US spouse, foreign trusts, expat tax) is excluded by design — if you need that, the F-06 international-worker overlay layered onto H-tier balances is closer to the right tool. The corpus also assumes liquidity events have already occurred; pre-liquidity founders with paper wealth in the same range live in P-01 and P-02. Recently widowed households at this wealth tier are H-04. Finally, no H-02 household carries an active business interest greater than 30% of net worth; concentrated operator-owners belong in P-02 or SB-03.
Income and net-worth bands during v3 synthesis were anchored to the upper percentile bands of the Survey of Consumer Finances, with the alternative-asset allocation shape informed by Cerulli affluent-practice benchmarks. State distribution is intentionally over-weighted toward CA, NY, and TX because the state-estate-tax and high-marginal-rate testing surface concentrates there. Documented priors for v3 are partial; per CLAUDE.md §9 the corpus is frozen and not regenerable from current code, so calibration claims are descriptive rather than reproducible.
$1M–$3M wealth tier with the same RIA-relationship operating model. Use H-01 when the household hasn't yet crossed the threshold where GRAT, SLAT, and concentrated-position unwind mechanics pencil.
$10M+ UHNW tier with family-office relationships and dynasty trusts. Use H-03 when the structures become bespoke (private foundation, direct PE investing, multi-generation planning).
Recently widowed at the same wealth tier. Survivor benefits, inherited-IRA, qualified-widow(er) filing, and advisor-transition mechanics dominate the planning surface rather than ongoing accumulation.
Estate-planning client (grantor) explicitly executing the gifting program. Use E-02 when the testing focus is the gifting and trust-funding mechanics themselves rather than the steady-state HNW operating model.
H-02 — High Net Worth ($3M–$10M) is the household at the inflection point where estate planning becomes mandatory and family-office economics start to pencil. Typical primaries are 45–65, married, with GRATs and irrevocable trusts in motion, 5–15% alternative-asset allocation, and one or two concentrated positions anchoring the balance sheet.
Because below $3M the estate-tax and concentrated-position-unwind structures rarely pencil, and above $10M households typically have family-office relationships and bespoke structures that don't generalize. The $3M–$10M band is the messy middle where wealth-tech products encounter standardized GRATs, SLATs, and ILITs — exactly the surface most buyers need to test.
Combined gross income median is $499,888 with a 25–75 range of roughly $420k to $640k. Median net worth is $9.18M with $4.13M median liquid. The net-worth distribution spans $4.9M to $14.2M with the bulk between $7M and $12M.
Yes — 5–15% allocation to PE and venture is typical, modeled via interval funds, registered fund-of-funds, and single-fund commitments. K-1 ingestion and capital-call schedule modeling are part of the corpus's testing surface, though per-fund holdings are not stored as structured data.
H-02 is tagged for six bundles — B02, B05, B07, B11, B12, and B20 — covering tax planning, executive compensation, alternative investments, business planning, estate planning, and equity compensation. See the right-hand sidebar for the data sets that ship H-02 households.
No. The shipped v3 corpus is frozen and not regenerable from current code (drift was confirmed on 2026-05-09 per CLAUDE.md §9). Sampler improvements land in a future v4 release with per-archetype golden fixtures in CI.
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