Investor who screens for ESG criteria, faith-based exclusions, or impact investing. May sacrifice returns for values alignment.
N-02 is the affluent values-screened investor — fossil-fuel-free portfolios, donor-advised funds, community-investing allocations, and a willingness to accept tracking error against a broad benchmark. It is the lighter-touch ESG corpus; ES-01 in C20 covers the deeper faith-based and impact-investing variant.
N-02 represents the affluent household where portfolio construction is driven by values screens rather than tracking-error minimisation. The screening surface is technical: ETF and SMA-level exclusions, custom direct-indexing baskets that drop fossil-fuel and tobacco names while preserving sector weights, community-development financial-institution (CDFI) note allocations that sit outside conventional benchmarks, and ESG-rated bond ladders. For asset-management and direct-indexing platforms the testing complexity is in the post-screening optimisation: producing a portfolio that maintains target factor exposures after dropping 12–25% of the investable universe is non-trivial. For tax-software the surface is the donor-advised fund — most N-02 households carry a DAF, contribute appreciated long-term assets to it rather than cash, and bunch contributions in alternating tax years to clear the standard-deduction threshold under post-TCJA rules.
The cash-flow profile is dual-income affluent ($301k median household income, $2.31M median net worth) with high mortgage and credit-card penetration consistent with the demographic. The defining structural fact is that values screens reduce the investable universe — exclusionary screens (fossil fuel, tobacco, weapons, private prisons) and inclusionary tilts (renewable energy, community development, board diversity) typically remove or down-weight 15–25% of conventional benchmark holdings. Households at this wealth tier increasingly express that preference through direct indexing rather than through pre-packaged ESG funds, because direct indexing lets them customise the screen and harvest losses on a tax-lot basis.
The distinction from neighbouring archetypes is the depth of values integration and the wealth tier. ES-01 in C20 layers faith-based exclusions (interest-bearing instruments under Sharia, biblically-responsible screens) and explicit impact-investment allocations onto a similar wealth profile. N-02 sits at the secular-ESG end of that spectrum. Affluent investors who hold a values screen but are not driving allocation decisions from it belong in H-01 with an ESG overlay; investors who sacrifice meaningful return for impact specifically (concessionary rate community-development notes, program-related investments) belong in ES-01.
Aggregated across the 22 N-02 households in the shipped v3 corpus corpus. Numbers describe the corpus, not population claims.
Brandon sits near the corpus income median but materially above the net-worth median — a household that has compounded for two decades, accumulated a meaningful asset base in screened vehicles, and is now navigating single-parent education-funding pressure alongside legacy planning. Net worth of $4.2M with $448k in total liabilities and a creative-industry primary income (irregular by construction) is the diagnostic case: tracking-error tolerance has to coexist with cash-flow lumpiness, and the DAF strategy has to absorb both. He is the household where the affluent values-screened balance sheet meets life-stage complexity.
Every N-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 N-02 most heavily. Direct-indexing and SMA platforms use it for screen-application validation and post-screen factor-exposure regression — testing that a fossil-fuel-free customisation does not silently destroy small-cap or value-factor exposure. Charitable-giving and DAF platforms use it for bunching-strategy modeling, appreciated-asset contribution tax-lot selection, and grant-out scheduling against the post-TCJA standard-deduction landscape. Wealth-platform engineering teams use it for proposal-generation tooling that has to present an after-screen tracking error to a prospect without trivialising the constraint — N-02 households actively choose tracking error and the UI has to respect that.
N-02 is the secular-ESG affluent end of the values-investing spectrum. Deeper faith-based exclusions — Sharia-compliant non-interest portfolios, biblically-responsible screens, halal sukuk allocations — belong in ES-01 (C20). Households that hold ESG-screened ETFs but do not drive allocation decisions from values belong in H-01 with an overlay rather than N-02. Concessionary-rate community-development investments where the household accepts below-market yield explicitly to support impact (program-related investments, mission-aligned loans) sit in ES-01. UHNW households at $10M+ where the values question is mediated by a private foundation rather than a DAF are H-03. Younger mass-affluent investors with a values screen but no DAF and no SMA access are closer to A-03 with an ESG overlay.
Income and net-worth bands during v3 synthesis were anchored to the affluent segment of the Survey of Consumer Finances. ESG-screening prevalence and DAF-holding rates among affluent households were informed by industry research and published DAF-sponsor reports; the corpus does not attempt to match specific quantile statistics. State distribution skews CA, VA, and IL deliberately — values-investing demand concentration mirrors that geographic footprint in industry data. Specific screen choices (fossil-fuel-free, board-diversity tilt, community-investing sleeve) are synthesised illustratively and should not be read as a probabilistic prior on screen prevalence. Per CLAUDE.md §9 the v3 corpus is frozen and not regenerable from current code, so calibration claims are descriptive rather than reproducible.
Deeper faith-based and impact-investing variant — Sharia non-interest portfolios, biblically-responsible screens, concessionary-rate community-development notes, program-related investments. Use ES-01 when the values driver is religion or impact-first, not secular ESG.
Affluent investor at a similar wealth tier without values-screening as the dominant portfolio constraint. Reach for H-01 when ESG is incidental rather than structural.
UHNW tier where the charitable vehicle is a private foundation or charitable lead trust rather than a DAF, and impact investment is mediated through PRIs and MRIs under §4944 minimum-distribution rules.
Dual-income professional couple at a lower wealth tier — values screening may be present but DAF and direct-indexing infrastructure typically are not. Overlay an ESG flag onto A-03 for the pre-N-02 cohort.
N-02 — ESG / Values-Based Investor represents an affluent household (median net worth $2.31M, median income $300k) where portfolio construction is driven by ESG screens — fossil-fuel-free, community investing, board-diversity tilts — typically implemented through direct indexing or custom SMAs and paired with a donor-advised fund for charitable giving.
N-02 sits at the secular-ESG end of the spectrum. ES-01 in C20 covers faith-based and impact-first investors: Sharia non-interest portfolios, biblically-responsible screens, concessionary-rate community-development notes, and explicit program-related investments. Use ES-01 when the values driver is religion or impact-first rather than secular ESG.
Direct-indexing screen application, post-screen factor-exposure regression, DAF contribution flows with appreciated-asset selection, bunching-strategy modeling against the post-TCJA standard-deduction threshold, custom SMA portfolio construction, and impact-sleeve accounting for CDFI and green-bond positions.
ESG-investing demand concentrates in those states in published industry data — the v3 synthesis honors that concentration intentionally. The geographic skew is descriptive, not a prediction.
Deterministically from a seeded sampler (Mulberry32 PRNG) in src/lib/generation/, with ESG-screening flags and DAF-holding indicators applied as overlay attributes. Per-domain version constants are surfaced in each household's _meta block.
No. The shipped 1,451-household v3 corpus is frozen and not regenerable from current code (drift confirmed 2026-05-09). Sampler improvements land in a future v4 release with per-archetype golden fixtures in CI to prevent silent drift.
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