Cross-border financial planning has been growing at the expense of pure-domestic planning for a decade. The drivers are demographic — first-generation immigrants are now the fastest-growing source of new HNW clients in major metros — and structural: visa-status-driven income volatility, FBAR / FATCA reporting, dual-residency tax issues, and faith-based screening preferences (which often correlate with country-of-origin) create a planning surface no domestic-only tool handles well. The Faith-Based & International Households Pack is 70 households built specifically for the platforms serving this growing market.
Cross-border planning combines two things most platforms fail at: visa-status-and-tax-residency complexity (FBAR, FATCA, foreign income reporting, dual-residency tests, ITIN-to-SSN transitions) and faith-tradition screening (where the country-of-origin correlates with religion which correlates with screening preferences). Either alone is hard. Together they're a planning category that almost no off-the-shelf wealth platform addresses well — leaving the segment underserved by software vendors and overserved by white-glove independent practitioners with specialized expertise.
The data problem reflects the planning problem. Cross-border profiles are sparsely represented in production data (the segment is concentrated in specific geographies and employer types). Faith-tradition screening data is governed by privacy contracts. Hand-built fixtures rarely capture both dimensions at once. This Data Set fills the gap with 70 households where both the cross-border and faith-tradition dimensions are fully expressed — including the conditional demographic overlay that makes religion/race fields available for the planning use cases where they're relevant.
Validates the platform's H-1B-specific onboarding, RSU planning, and tax-residency logic against realistic H-1B workers spanning the visa-stage range — early-career on first visa term, mid-career renewing, late-career transitioning to green card or returning to country of origin.
Tests the firm's immigrant-onboarding workflow against realistic recent-immigrant profiles, ensuring the tooling correctly handles ITIN-to-SSN transitions, foreign-income documentation, and the faith-tradition screening preferences that often accompany the immigrant client engagement.
Validates the firm's FBAR / FATCA filing-readiness against realistic households with foreign accounts, ensuring the structured account-reporting requirements are correctly identified before tax season.
Tests the firm's faith-tradition screening logic against client profiles with religion-overlay populated, particularly the cases where the client's faith-community screening rules differ from US-domestic screening defaults (Hanafi vs. Maliki halal interpretation, Catholic vs. Protestant biblically-responsible variants).
Validates the firm's foreign-tax-credit, treaty-benefit, and resident-vs-nonresident-alien analysis tools against realistic cross-border household profiles where the structural complexity drives the planning value.
The 70 households cluster around six archetypes: F-06 international workers (H-1B, L-1, O-1 visa holders); U-01 recently banked (often recent immigrants in the banking-relationship-establishment phase); U-03 recent immigrants (working, building first US wealth); X-01 remote workers / digital nomads (often expatriates or location-flexible professionals); N-02 ESG / values-based investors with cross-border dimensions; and ES-01 ESG / faith-based / impact investors with country-of-origin-correlated screening.
Every household has structured cross-border data: visa status (H-1B, L-1, O-1, EB-5, F-1, J-1, green-card-holder, naturalised-citizen, dual-citizen, with-DACA-status); country-of-origin; primary tax residency (US-resident-alien, US-nonresident-alien, dual-status, expatriate); FBAR filing requirement status (with the threshold-crossing analysis); FATCA Form 8938 requirement status; foreign-income percentage; treaty-benefit eligibility for the country-pair. The conditional demographic overlay populates religion (and race/ethnicity) for these households where the planning use case warrants it.
The Data Set ships as JSON and CSV. The WealthSynth Methodology PDF documents the visa-status taxonomy, the FBAR/FATCA filing thresholds and methodology, the faith-tradition screening framework, the conditional privacy overlay specification, and the calibration source for typical cross-border profiles.
A redacted summary of one household from this Data Set — names, employers, exact balances, and metro area are stripped. Ages are bucketed, income and net worth are reported as bands. The full record (and all 70 like it) ships in the ZIP.
{
"demographics.visa_status": <value>,
"demographics.country_of_origin": <value>,
"demographics_overlay.religion": <value>,
"taxes.fbar_filing_required": <value>,
"income.foreign_income_pct": <value>
}Returns H-1B workers whose visa term expires within 12 months — the planning window for renewal-or-transition decisions affecting RSU vesting, tax-residency, and asset structure.
households.filter(h => h.demographics.visa_status === 'H-1B' && monthsBetween(today(), h.demographics.visa_expiration) <= 12 )
Returns households whose foreign-account aggregate balance exceeds the $10K FBAR threshold — the queue for FBAR filing reminders and documentation collection.
households.filter(h => h.taxes.foreign_account_aggregate > 10000 && h.taxes.fbar_filing_required )
Returns recent immigrants whose recent SSN issuance suggests a credit-history-and-banking-relationship-rebuild opportunity — the queue for advisor outreach and product-recommendation transitions.
households.filter(h => h.demographics.itin_filer_history && !h.demographics.itin_filer && monthsSince(h.demographics.ssn_issued_date) <= 12 )
Groups households by country-of-origin and the faith-tradition-screening preferences that apply — useful for designing region-and-tradition-specific product recommendations.
households.filter(h =>
h.demographics_overlay.religion_practice
).reduce((acc, h) => {
const key = `${h.demographics.country_of_origin}-${
h.demographics_overlay.religion_practice}`;
acc[key] = (acc[key] || 0) + 1;
return acc;
}, {})Each household's cross-border profile is generated against archetype-specific patterns. H-1B workers concentrate in tech and healthcare sectors with realistic income distributions and visa-stage trajectories. Recent immigrants span the spectrum from low-income working families establishing first US wealth to high-income H-1B-converting-to-green-card professionals. Faith-tradition screening preferences correlate with country-of-origin per published immigration-and-religion data; the corpus reflects this without over-determining (a household from a Muslim-majority country might be Muslim with halal screening, or non-religious, or Christian with biblically-responsible screening — the corpus distribution reflects realistic variation). FBAR / FATCA filing requirements are calculated from foreign-account aggregate balances and the appropriate threshold (FBAR $10K, FATCA $50K-$600K depending on filing status and residency). The corpus passes the WealthSynth consistency validator (visa-status is consistent with country-of-origin and employment; FBAR/FATCA requirements are mathematically correct; faith-tradition screening is coherent with religion-overlay) and the LLM-as-judge gate. Annual refresh tracks immigration-policy changes, FBAR/FATCA threshold updates, and tax-treaty changes.
Per the v4 privacy contract, race/ethnicity and religion fields appear only in households tagged for B08 and B26 — the two bundles where the planning question makes the data relevant. Households in B26 have these fields populated; households in other bundles don't. The Methodology PDF documents the privacy framework in detail.
Yes. The corpus covers H-1B, L-1A/L-1B, O-1A/O-1B, EB-1/EB-2/EB-3, F-1 (with OPT and STEM extension where applicable), J-1, green-card holders, naturalised citizens, and dual citizens. DACA status is tracked where applicable. Annual refresh tracks USCIS rule changes.
Yes. About 70% of the corpus has at least one foreign account (typically in the country-of-origin). Account types include foreign bank accounts, foreign retirement accounts (which often have specific tax treatment), foreign investment accounts, and foreign real estate income. The structured account-by-account data lets your tools test the FBAR / FATCA reporting logic correctly.
Yes. About 60% of the corpus has at least one treaty-eligible income source where applying the treaty produces meaningfully different US tax outcomes. The structured treaty-benefit data includes the country pair, the income type, the treaty article reference, and the calculated benefit. Annual refresh tracks treaty changes.
About 15% of the corpus is dual-resident — meeting both US tax-residency tests and country-of-origin residency tests simultaneously. The structured tie-breaker analysis (using the relevant treaty's tie-breaker article where applicable) is documented per household. These are some of the most complex cross-border tax cases and the corpus supports specifically testing software for them.
Yes. Halal-compliance screening varies by Islamic legal school (Hanafi, Maliki, Shafi'i, Hanbali); the corpus reflects the variation rather than collapsing to a single 'halal' screening. Catholic and Protestant biblically-responsible screening interpretations differ (particularly on healthcare-related exclusions); the corpus tracks the difference. Hindu and Buddhist ethical-investing frameworks are documented per their distinct traditions.
Yes. About 35% of the corpus has at least one foreign real estate position — typically inherited family property in the country of origin or investment property purchased pre-immigration. The structured cross-border real estate data covers the foreign-tax treatment, the FBAR / FATCA reporting implications, and the US-side estate-planning treatment.
All three use the conditional privacy overlay. B08 focuses specifically on ESG-preference elicitation and screening. B24 focuses on impact-investment vehicles, DAFs, and shareholder advocacy. B26 focuses on cross-border financial considerations plus faith-tradition screening as a secondary dimension. Buyers serving the cross-border faith-based-investor segment typically purchase all three for comprehensive coverage.
320 households with multi-state tax exposure: HCOL-to-LCOL relocations, dual residency, MA millionaires tax, NY/CA convenience-of-employer rules, and digital nomads with no fixed domicile. Each carries source-state allocation history and residency change events.
25 households tagged for the conditional ESG / values overlay (one of two bundles where race/ethnicity and religion fields are populated, per the v4 privacy contract). MSCI ESG taxonomy alignment, sector exclusion lists, impact allocation percentages, and DAF holdings.
50 households with values-driven investment overlays: ESG screening, halal/biblically-responsible exclusions, impact bond allocations, DAF management, and shareholder advocacy participation. Companion to B08 (ESG Values Alignment) — fully populates the demographic conditional overlay.
Purchases are for internal use only. Redistribution or resale of data is prohibited under the WealthSchema Data License.
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