Retiree living off dividend and interest income, minimal portfolio drawdown, taxable account heavy, qualified dividends.
RI-02 is the affluent retiree who funds living expenses primarily from qualified-dividend and interest income on a taxable-account-heavy balance sheet — minimal portfolio drawdown, full timing flexibility, and an NIIT-aware tax surface that varies materially with bracket positioning.
RI-02 represents the affluent retiree whose lifestyle is funded by income on capital rather than depletion of capital. The defining feature is the taxable-account-heavy balance sheet — median net worth $3.09M against $1.38M of liquid net worth, the bulk of which sits in dividend-paying equities, qualified-dividend-yielding mutual funds, municipal bond ladders, and taxable corporate fixed-income. The tax surface is distinctive: qualified dividends and long-term capital gains under §1(h) receive preferential rates (0% / 15% / 20% brackets), interest income is taxed at ordinary rates, municipal-bond interest is generally federally exempt under §103 but subject to state-by-state inclusion rules, and the 3.8% Net Investment Income Tax under §1411 kicks in above $250k MAGI for MFJ. Households at this wealth tier routinely cluster around the NIIT threshold and the long-term capital-gains bracket transitions, making bracket-management software useful in ways that do not apply to lower-wealth or annuity-dominated retirees.
The structural picture is high-net-worth retiree with substantial mortgage and credit-card incidence — homeownership runs 70%, 14 of 20 carry mortgages typically by choice rather than necessity (the household holds investable assets multiple times the mortgage balance but retains the mortgage for tax and asset-allocation reasons). All 20 households file MFJ. Median age 67, with 9 of 20 carrying dependents — typically adult children or aging parents rather than minor children. The dominant goals are legacy / estate (all 20) and charitable giving (all 20), reflecting the wealth tier and the typical estate-planning posture: this is the cohort where DAF contributions of appreciated stock, QCDs from IRA accounts after age 70½, and charitable-remainder trust structures move from theoretical to relevant.
What distinguishes RI-02 from neighbouring retirement archetypes is the income source and the wealth tier in combination. RI-01 is the inflexible-income annuity-dominated retiree at a much lower wealth tier. RL-01 is the RMD-driven IRA-and-401(k) drawdown retiree. H-01 is the affluent investor still in accumulation. RI-02 specifically models the post-accumulation affluent household whose return on capital exceeds its spending — every household carries a legacy / estate goal and a charitable-giving goal precisely because the wealth is more than the lifetime spend.
Aggregated across the 20 RI-02 households in the shipped v3 corpus corpus. Numbers describe the corpus, not population claims.
John and Carol are above both the corpus income and net-worth medians ($134k income, $3.18M net worth) and carry the clean dividend-retiree balance sheet the archetype is built around: $1.91M liquid against just $2,124 in total liabilities — a residual credit-card balance and nothing else, no mortgage, no auto loan. The household runs a $2,334 monthly cash-flow surplus, so dividend and interest yield is comfortably covering spending and then some. Both shipped goals — a $3.91M legacy / estate target ($3.26M progress) and a $326k charitable-giving target — are on-track, the canonical post-accumulation posture where return on capital exceeds lifetime consumption and the planning surface shifts to QCDs, DAF appreciated-stock contributions, and step-up-basis sequencing at death.
Every RI-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 RI-02 most heavily. Tax-software vendors building affluent-retiree return preparation flows use it for qualified-dividend bracket-management, NIIT computation under §1411, municipal-bond state-by-state inclusion rules, and the interaction between Social Security taxability and dividend-driven MAGI. Wealth-platform engineering teams supporting retiree advisory practices use it for tax-aware withdrawal sequencing (taxable vs IRA vs Roth), lot-level basis accounting for capital-gain harvesting, and step-up-at-death planning UI. Charitable-giving platforms use it for QCD generation from IRA accounts after age 70½, DAF contributions of appreciated stock, and CRT modeling for households where the wealth materially exceeds lifetime spend.
RI-02 specifically models retirees whose income comes from capital rather than from contractual annuity payments (RI-01) or pension distributions (RE-03). UHNW retirees at $10M+ where private foundation, dynasty trust, and intentionally defective grantor trust planning replace DAF and CRT structures belong in H-03. RMD-stage retirees whose primary asset base is qualified-plan rather than taxable-account belong in RL-01. Recently widowed retirees navigating beneficiary transitions and step-up basis recalculation are RL-02 or H-04. Affluent investors still in accumulation rather than retired are H-01. The corpus excludes households with material business-interest income — concentrated operator-owners in retirement transition belong in P-02 or E-02 territory.
Income and net-worth bands during v3 synthesis were anchored to upper percentile bands of the Federal Reserve Survey of Consumer Finances for the 60–75 age cohort, with the taxable-account-heavy allocation shape informed by Cerulli retiree-segment industry data. The decision to make all 20 households MFJ is a deliberate scoping choice that simplifies the testing surface; single affluent retirees with similar balance-sheet shape fit RL-02 or H-tier with overlay. State distribution (NY, WA, MA) reflects affluent-retiree population concentration but is not a probabilistic prior on residency. Per CLAUDE.md §9 the v3 corpus is frozen and not regenerable from current code, so calibration claims are descriptive rather than reproducible.
Annuity-dependent retiree at a much lower wealth tier. RI-01 income is contractually fixed and inflexible; RI-02 income is from capital with full timing flexibility. Opposite ends of the income-flexibility axis.
RMD-stage retiree whose drawdown is from IRA and 401(k) accounts under §401(a)(9). Same age band, very different tax surface — RI-02 has step-up planning and bracket-management as the dominant question, RL-01 has RMD timing.
Affluent investor still in accumulation at a similar wealth tier. Use H-01 when the household is still earning W-2 income and contributing; RI-02 is post-accumulation and drawing.
UHNW tier where private foundation, dynasty trust, and IDGT planning replace DAF and CRT structures. Reach for H-03 when the wealth band is $10M+ and the charitable vehicle is institutional rather than personal.
RI-02 — Dividend Income Retiree represents an affluent retiree (median net worth $3.09M) whose post-retirement spending is funded primarily from qualified dividends and interest on a taxable-account-heavy balance sheet. Median age 67, all 20 corpus households file MFJ, and minimal portfolio drawdown is the defining cash-flow pattern.
RI-01 is the annuity-dependent retiree at a much lower wealth tier with contractually fixed and inflexible income. RI-02 lives off capital — full liquidity, full timing flexibility, step-up basis available at death. They sit at opposite ends of the income-flexibility axis.
Qualified-dividend bracket-management, NIIT computation under §1411, municipal-bond ladder construction, tax-aware withdrawal sequencing, QCD generation from IRA accounts post-70½, DAF appreciated-stock contributions, and step-up-at-death planning UI.
At median net worth $3.09M with a yield-funded spending profile, the household's return on capital exceeds its lifetime consumption. Charitable giving and legacy planning become structural rather than optional — every household carries both goals, which makes this the right test population for DAF, QCD, and CRT product flows.
Deterministically from a seeded sampler (Mulberry32 PRNG) in src/lib/generation/, with taxable-account-heavy allocation shape and post-accumulation cash-flow flags 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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