Recently retired, active lifestyle, managing withdrawal strategy, Medicare transition, part-time income.
RE-01 is the post-retirement-date, pre-RMD window — typically ages 60 to 70 — where withdrawal sequencing, Medicare transition, and the Roth-conversion runway determine how cleanly the next twenty years unfold.
RE-01 models the household in the first decade of actual retirement: the elections are made, the paychecks have stopped, and the planning problem is now withdrawal sequencing rather than retirement-date planning. Three regulatory and behavioral surfaces define the archetype. Medicare enrollment at 65 reshapes the healthcare line item and introduces IRMAA premium-tier sensitivity to the prior two years' MAGI — so a Roth conversion done at age 63 lands in a higher Part B and Part D premium two years later. The Roth-conversion runway between retirement and RMDs (now starting at age 73 for those born 1951–1959 and 75 for those born after) is the planning surface that drives lifetime-tax differences in the hundreds of thousands of dollars, and the corpus is sized to make that runway calculation realistic. Sequence-of-returns risk is the third surface — RE-01 households are inside the first decade where a poor market start can permanently impair the safe withdrawal rate.
The financial signature reflects active-lifestyle, mass-affluent retirees rather than the pension-dependent or frugal-FIRE profiles. Median combined income is $81,387 — typically a mix of Social Security, partial pension, partial part-time work, and portfolio withdrawals — against $1.39M median net worth, $1.02M median investable assets, and 70% homeownership. Travel spending, second-home carrying costs, and active hobby budgets are implicit in the goal targets but not separately enumerated. Every RE-01 household carries both a legacy/estate goal and an emergency-fund goal; the corpus contains no households with active retirement-savings goals because, by definition, the household has already retired.
What separates RE-01 from neighbors is the specific combination of completed-retirement-date, active-lifestyle spending profile, and not-yet-RMD age range. RE-02 households retired a decade earlier under a FIRE plan and have a different ACA/healthcare-bridge structure; RE-03 households are largely pension-funded with limited investable assets to sequence; RL-01 households are inside the RMD years and have a different withdrawal-order calculus entirely. The 30-household corpus deliberately concentrates the Medicare-transition, IRMAA-sensitive, Roth-runway scenarios where the highest-stakes early-retirement product surfaces live.
Aggregated across the 30 RE-01 households in the shipped v3 corpus corpus. Numbers describe the corpus, not population claims.
Daniel and Sandra, both 65 and 66, sit at the cohort hinge: one of them is in their Medicare-enrollment year, both are post-retirement, and $541k in liquid assets sits inside the eight-year Roth-conversion runway before RMDs. Combined income of $83k against $214k of total liabilities (mostly mortgage) signals a household where the partial-pension-plus-Social-Security base covers core expenses and the portfolio is staged for tactical withdrawals. The diagnostic pattern is IRMAA sensitivity — at this income level, a $50k partial Roth conversion this year can lift Medicare Part B premiums two years later.
Every RE-01 household ships with — at minimum — these JSON fields populated. The full schema is documented in the data set you purchase.
Three buyer profiles use RE-01 most heavily. Retirement-income software teams use it to validate withdrawal-sequencing algorithms — taxable-first vs proportional vs tax-bracket-targeted — against realistic balance-sheet mixes where Social Security, partial pension, part-time income, and portfolio withdrawals all contribute. Medicare-and-IRMAA testing teams (Part B/D plan-selection tools, supplemental-insurance comparison platforms, and CMS-aligned billing software) use the corpus for the two-year MAGI lookback and the standard-vs-IRMAA premium-tier branches at the ages 63–67 range that dominates this archetype. Wealth-platform engineering teams testing Roth-conversion ladder calculators with IRMAA-aware bracket management and beneficiary-IRA SECURE Act 10-year-rule projections use RE-01 as the canonical pre-RMD active-retiree fixture.
RE-01 is calibrated as the mass-affluent active-lifestyle early retiree, generally healthy and not yet RMD-aged. FIRE-style early retirees who left the workforce in their 40s with a different healthcare-bridge structure belong in RE-02. Pension-dominant retirees with limited investable assets to sequence are in RE-03. Households already inside the RMD window are RL-01. Widowed retirees on a survivor benefit with limited assets are RL-02. The corpus excludes long-term-care claimants and households with significant cognitive-decline indicators — those edge cases live in S-04, HC-02, and RL-02. Cross-border retirees and US households with foreign-pension income are not represented; expat-tax-software teams will need overlays beyond this corpus.
Income and asset bands during v3 synthesis were anchored to mass-affluent percentiles of the Survey of Consumer Finances for the 60–70 retired-or-partially-retired cohort, with Social Security claim-age distributions loosely tracking SSA published data and skewed toward claims at FRA or later (the testing-relevant cases). Roth balance share of total investable assets was informed by EBRI participant-behavior research for the cohort. State distribution leans toward CA, FL, and WA — a mix of in-place retirement and FL/AZ-style retirement-destination patterns. Per CLAUDE.md §9 the corpus is frozen and not regenerable; calibration claims here are descriptive rather than reproducible.
FIRE-achiever early retiree, typically retired in 40s or 50s. Different age range, no Medicare yet (often a long ACA bridge), different withdrawal-rate constraints driven by a longer time horizon. Use RE-02 when the test surface is ACA-subsidized exchange plans and the 4% rule.
Pension-rich retiree at the mass-market wealth tier. Most expenses covered by pension and Social Security; limited investable assets to sequence. Use RE-03 when the test surface is fixed-income retirement rather than withdrawal-strategy optimization.
RMD-stage retiree, the natural next stage. RMDs are active, QCDs become a planning lever, and the Roth-conversion runway has closed. Use RL-01 when the test surface is RMD calculation, QCD direct-transfer flows, and beneficiary updates.
Corporate pre-retiree five years before this archetype. R-01 is choreographing the elections RE-01 has already made. Use R-01 for retirement-date planning; RE-01 for in-retirement withdrawal modeling.
RE-01 is the Active Early Retiree: a household in roughly the first decade of retirement, ages 60–70, mass-affluent, with the retirement-date decisions made and active withdrawal sequencing in progress. The defining feature is the combination of post-retirement status, pre-RMD age, and active-lifestyle spending profile.
RE-02 households retired in their 40s or 50s under a FIRE plan and have a multi-decade-long ACA-bridge healthcare structure. RE-01 households retired at the conventional age range (late 50s to mid 60s) and either entered or are entering Medicare during the corpus window. The healthcare-cost line item, the withdrawal rate, and the planning horizon all differ.
Yes. The income range and the explicit 'Retired' industry tag in the representative-household block reflect that a meaningful share of RE-01 households continue some part-time, consulting, or board work. The combined income figure should not be read as portfolio-withdrawal-only.
No. By design RE-01 sits in the pre-RMD age range (60–70). Once RMDs are active the planning surface shifts materially — QCDs become a primary tool, the Roth-conversion runway is closed, and withdrawal sequencing is constrained by the §401(a)(9) mandatory distribution. Those households are in RL-01.
RE-01 is tagged for six bundles — B02, B03, B06, B07, B18, and B22 — covering tax planning, retirement income, healthcare and Medicare, estate, decumulation, and behavioral-finance scenarios. See the sidebar for the specific data sets that ship RE-01 households.
No. The v3 corpus is frozen and not regenerable from current code (drift was confirmed on 2026-05-09). The 30 RE-01 households are a fixed reference dataset; sampler improvements land in v4.
Download households matching this archetype as part of a Wealth Data Set.
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