Individual going through divorce, QDRO, asset division, alimony, rebuilding single finances.
S-01 models the household mid-transition: a single balance sheet about to be cut in two, a QDRO pending, and a filing status that flips from MFJ to single in the middle of a tax year. It is the cleanest stress test for any product that assumes a household is one durable entity.
S-01 captures the household during the active separation window, not after the decree. The diagnostic complexity is not the eventual split — it is the in-between period when most software fails. A QDRO is drafted but not yet executed, so qualified-plan balances appear on one party's statement but are legally divisible. Health coverage flips to COBRA or marketplace mid-year, generating a 1095-A alongside a partial-year 1095-C. Filing status is genuinely ambiguous: same-sex or opposite-sex, the IRS rules on married-vs-single status depend on the decree date, not the separation date, and the household may file MFS, MFJ, or head-of-household depending on dependent allocation. The corpus is calibrated to surface exactly these mid-year, mid-decree edge cases.
Cash flow is dominated by legal fees, temporary support orders, and the cost of duplicating a household (two leases, two utility setups, two sets of furniture). The corpus shows mortgage debt on 14 of 20 households — a marital home that has not yet been sold or refinanced into one spouse's name. Liquid assets are higher than typical at this wealth tier ($337k median) because households tend to convert investments to cash anticipating settlement; investable assets sit at $553k median. Every household carries a Legal Settlement goal alongside Retirement and Emergency fund, which is the unique tri-goal signature of this archetype.
What makes S-01 distinct from H-04 (widowed spouse) or BL-01 (blended family) is the adversarial posture of the transition. H-04 inherits the full balance sheet; BL-01 has already remarried and merged. S-01 is uniquely in the act of splitting, with custody of beneficiary designations, joint accounts, and shared advisors still unresolved. The age range (35–55) and dependent rate (20%) further differentiate it from elder-divorce ('gray divorce') patterns that would show up in P-05 or R-01 households flagged for marital transition.
Aggregated across the 20 S-01 households in the shipped v3 corpus corpus. Numbers describe the corpus, not population claims.
Robert sits near the upper end of the S-01 net-worth distribution, with $689k liquid and unusually low total liabilities of $4,065 — the marital mortgage has likely already been refinanced or transferred. The diagnostic pattern is the goal split: emergency fund on track, retirement and the $35,000 legal-settlement target both off track. This is the household where a wealth platform's 'one household, one statement' assumption breaks at the QDRO step.
Every S-01 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 S-01 heavily. Wealth-platform engineering teams use it to validate account-splitting, beneficiary-update, and dual-advisor-relationship flows — the workflows where a single 'household' record needs to become two. Tax-software teams test mid-year filing-status changes, post-TCJA alimony treatment, and dependent-allocation tiebreakers under §152(e). Compliance teams at RIAs and broker-dealers use it to populate divorce-related Reg BI rollover scenarios, QDRO acceptance workflows, and account-restraining-order edge cases. CFP firms targeting CDFA-credentialed planners also test client-onboarding flows for prospects who arrive mid-decree.
S-01 deliberately excludes the post-decree, single-with-rebuilt-finances state — once the QDRO is executed and the household has stabilised, the profile moves to A-02 (single parent) or H-04 (widowed/single HNW depending on tier). The corpus also excludes high-conflict UHNW divorces with offshore assets, marital QPRTs, or business-interest valuation disputes; those edge cases live closer to H-02 or P-02 with a 'transition' overlay. Same-sex divorces in non-recognition states pre-Obergefell are not modeled — all 20 households assume federal recognition. Finally, gray divorces over 60 with pension-split-vs-Social-Security-spousal-benefit interactions are not in S-01; the closer fit is R-01 or R-03 households flagged as transition cases.
Income bands and homeownership rates were anchored during v3 synthesis to the upper end of mass-affluent profiles in the Survey of Consumer Finances, with the divorce-specific cash-flow shape informed by AAML practitioner surveys and Census ACS data on separated-not-divorced filers. The Legal Settlement goal target is a synthesized prior rather than a published quantile — it represents working-estimate net asset division, not an actual SCF figure. Per CLAUDE.md §9, the v3 corpus is frozen and not regenerable; calibration claims here are descriptive of the synthesis intent and not auditable to a published methodology.
H-04 is the post-loss single household at a higher wealth tier — the transition is widowhood, not divorce, and the surviving spouse inherits the entire balance sheet rather than splitting it.
A-02 (single parent) is the stabilised state after S-01: the divorce is finalised, custody is settled, and the financial profile is rebuilt around head-of-household filing and EITC eligibility rather than legal-settlement cash flows.
BL-01 (blended family) is the next chapter — the household has remarried and is integrating step-children, prenups, and QTIP-style estate planning. S-01 covers the destabilisation; BL-01 covers the re-stabilisation.
P-05 captures the late-career household focused on catch-up contributions; reach for it instead of S-01 when the divorce is finalised and the planning question is pre-retirement income optimisation, not mid-decree division.
S-01 — Divorce in Progress represents the household during active separation and divorce proceedings, before the decree is finalised. The corpus models the mid-transition state: QDRO drafted but not executed, filing status ambiguous, COBRA in play, and a single legal-settlement goal alongside the usual retirement and emergency-fund goals.
Because that goal is the archetype's defining structural feature. The Legal Settlement target represents the working estimate of attorney fees plus post-decree asset division, and it appears on all 20 corpus records as a way to flag the household as in-transition rather than stabilised.
Both are single-after-transition, but H-04 inherits the full marital balance sheet via survivor rules and steps up basis on inherited assets, while S-01 splits the balance sheet under a QDRO with no basis step-up and an adversarial counterparty. The tax, beneficiary, and advisor-transition workflows are completely different.
Households model the post-TCJA regime where alimony from divorces finalised after January 1, 2019 is neither deductible to the payor nor taxable to the payee. Tax-software teams testing pre-TCJA-decree edge cases should layer that on as a stress overlay rather than expect it natively.
S-01 is tagged for six bundles — B04, B14, B18, B22, B27, and B30 — covering cash-flow stress, behavioral finance, insurance transitions, compliance edge cases, life-event triggers, and underserved/transitional household coverage.
No. The shipped v3 corpus is frozen and not regenerable from current code (CLAUDE.md §9). Sampler improvements land in a future v4 release with per-archetype golden fixtures in CI to prevent silent drift.
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