Active duty or recently retired military officer with BRS pension, TSP, VA loan, SBP election, and transition to civilian career planning.
MV-02 is the dual-system testing surface where federal benefits (BRS pension, TSP, SBP, VA loan) and civilian compensation overlap during a 20-year-plus officer career and the transition that follows it.
MV-02 represents the active-duty or recently retired commissioned officer at the inflection point where the Blended Retirement System pension becomes a quantifiable asset rather than a future entitlement. After the 2018 transition from the legacy High-3 system, BRS adds an automatic 1% TSP contribution and matches up to 5%, alongside a defined-benefit multiplier (2.0% per year of service) and a mid-career continuation pay election at year 12. That structure forces software to handle two interacting retirement accounts simultaneously, with TSP balances that flow through the L-funds or G-fund and a pension whose present value depends on the SBP election made at retirement. Layer in BAH (non-taxable), a VA loan with no down payment requirement and a funding-fee waiver for service-connected disabilities, and Roth TSP contributions made tax-free in a combat zone, and the tax surface diverges sharply from a comparable civilian W-2 household.
Cash flow looks straightforward on the surface — a single primary earner with predictable base pay, BAH, and BAS — but the planning complexity sits in the elections and the transitions. The median household earns $154k combined with $607k net worth, three-quarters own a home (often financed through VA), and 42% carry dependents. The dominant goal is retirement (12 of 12 households) with debt payoff close behind (8 of 12), reflecting the post-deployment paydown pattern where lump-sum BAH and tax-free combat-zone pay accelerate liability reduction.
What distinguishes MV-02 from the rest of the military cohort is not pay grade alone — it is the convergence of a vested federal pension, a sizeable TSP balance, and an imminent or recent move into civilian employment. The corpus skews to households at or near the 20-year point, where the SBP 6.5% premium election is live, civilian job offers introduce 401(k) plans alongside the existing TSP, and state-of-residence choices begin to matter for pension taxation. This is not the enlisted formation profile, and it is not the post-retirement disabled veteran case — it is the officer who has the option to keep going and the option to leave, and whose software needs to model both branches.
Aggregated across the 12 MV-02 households in the shipped v3 corpus corpus. Numbers describe the corpus, not population claims.
Amy and Brian sit near the top of the MV-02 net-worth distribution at $940k, well above the corpus median, with a combined federal-employment income mix (military primary, government spouse) that compounds two pension entitlements rather than one. The diagnostic pattern is the goal-funding split: on track for debt payoff but behind on a $3.5M retirement target and $525k education target — software that doesn't roll the present value of two pensions into the retirement gap will materially overstate the shortfall.
Every MV-02 household ships with — at minimum — these JSON fields populated. The full schema is documented in the data set you purchase.
Wealth-tech platforms serving the military advisor channel use MV-02 to validate BRS-vs-legacy pension valuation, SBP election walkthroughs, and TSP-to-IRA rollover suitability for post-separation households. Tax-software vendors test the BAH exclusion, combat-zone tax exclusion (CZTE), and Roth TSP contributions made during deployment — none of which appear in a standard W-2 fixture. Mortgage origination teams use the homeowner subset to exercise VA loan flows, including the funding-fee waiver logic for service-connected disability and the entitlement-restoration calculation on a second VA purchase.
MV-02 is the officer cohort — enlisted active-duty formation households live in F-05, not here. Service-connected disability with a meaningful VA rating is the MV-03 case, even when the officer also has BRS entitlement; the corpus deliberately excludes severe-rating officers to keep the pension-and-TSP signal clean. Legacy High-3 pension households (retired before 2018 or grandfathered) are present in spirit but the corpus is calibrated to BRS — buyers needing pure High-3 cases should treat MV-02 as a starting point and override the pension formula. Reserve and Guard households with Title 10 activations and a different points-based pension structure are not represented here. Civilian-side federal employees with FERS pensions belong in R-03 (Government/Teacher Pre-Retiree), not MV-02.
Income bands during v3 synthesis were anchored against DoD pay-table tiers for O-3 through O-6 plus location-typical BAH, with the homeowner share informed by VA loan utilization rates published in the VA Annual Benefits Report. State distribution intentionally over-weights base-adjacent regions (CA, MA, IN reflect concentrations near major installations). The corpus does not model deployment timing, combat-zone exclusion events, or specific SBP election states beyond a single static snapshot — those are dynamic conditions a buyer would layer on top. Per CLAUDE.md §9 the v3 corpus is frozen and not regenerable from current code; calibration here is descriptive of the synthesis intent, not a reproducible specification.
F-05 is enlisted active-duty in the formation phase — lower pay grade, no continuation-pay election yet, and the retirement decision is still a decade-plus out.
MV-03 layers a service-connected disability rating and tax-free VA disability compensation on top of (or in place of) the pension stream. Use MV-03 when CRDP/CRSC and the offset rules are in scope.
R-03 covers civilian federal employees with FERS pensions and TSP — same TSP plumbing, different defined-benefit formula and no SBP/BAH/VA-loan surface.
R-01 is the civilian corporate pre-retiree — useful when the officer has separated, joined a civilian employer, and the testing focus shifts to 401(k) consolidation and Reg BI rollover suitability.
MV-02 — Military Officer (Career/Retirement) represents commissioned officers at or near the 20-year retirement decision point, with Blended Retirement System pension entitlement, an active TSP balance, VA-loan-financed housing in most cases, and an imminent or completed transition to civilian employment.
F-05 is enlisted active-duty in the formation phase — typically E-1 through E-6 pay bands, no SBP election yet, no continuation-pay decision, and the retirement question is structurally hypothetical. MV-02 is an officer cohort with a much larger pension present value, a TSP balance that materially anchors the balance sheet, and the SBP and civilian-transition decisions in active play.
Synthesis was calibrated to BRS (the post-2018 default for new entrants and the elected system for many in-service officers who opted in during the 2018 window). Buyers needing pure High-3 households can use MV-02 as a base and override the pension formula in their own pipeline — the structural features (TSP balance, VA loan share, SBP election surface) are still applicable.
The corpus captures the static income and balance-sheet snapshot but does not encode deployment events or combat-zone exclusion periods. Buyers testing the CZTE branch should layer that as a scenario overlay; the underlying TSP balances and AGI-eligible income are consistent with households where some prior contributions were made under exclusion.
MV-02 is tagged for B02, B03, B06, B14, B16, and B25 — covering tax planning, retirement strategy, home purchase (VA-loan branch), employee benefits, equity-and-comp testing for the civilian transition case, and military-specific scenarios. See the right-hand sidebar for the bundles that ship MV-02 households.
No. The shipped 1,451-household v3 corpus is frozen as of synthesis; drift was confirmed on 2026-05-09 (see docs/WEALTHSYNTH_STATUS.md §6). Sampler improvements land in a future v4 release with per-archetype golden fixtures in CI; v3 MV-02 households should be used as a static reference set.
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