Military & Veterans Financial Pack

Why this Data Set exists

Most wealth platforms treat military and veteran clients as W-2 workers with some additional benefits. The reality is structurally different. BAS and BAH are tax-free; combat-zone-tax-exclusion can apply; the BRS pension is structurally different from FERS; the TSP is structurally different from civilian 401(k); VA loan use is fundamentally different from conventional financing; SBP is unique to military-retirement income; VA disability compensation is fundamentally tax-free and stacks with civilian-side income in nuanced ways. A platform that doesn't structure these correctly produces guidance that's at best generic and at worst wrong.

For builders, the test-data problem is compounded by the fact that the military population is concentrated in service-friendly geographies and life-stages, so a generic synthetic dataset under-represents military-specific patterns. This Data Set provides the focused complement — 90 households spanning enlisted to officer ranks across active-duty and post-service stages, with all the military-specific structures populated.

Use Cases

Who uses this Data Set

What's inside

The 90 households cluster around military-relevant archetypes: F-05 active-duty enlisted; R-03 government/teacher pre-retirees (including military pre-retirees); RE-03 active early retirees (including military retirees); RI-01 annuity-dependent retirees (including SBP-dependent surviving spouses); MV-02 military officers in career or retirement transition; MV-03 disabled veterans; SL-01 PSLF candidates (including nonprofit-employed veterans).

Every household has structured military-specific data: rank and pay grade (E-1 through E-9, W-1 through W-5, O-1 through O-10), service component (Active, Reserve, National Guard), service branch (Army, Navy, Air Force, Marines, Coast Guard, Space Force), service-connected disability rating (where applicable), and the structured benefit calculations: BRS continuation pay (where eligible), VA loan entitlement (with use history), VA disability compensation (with CRDP/CRSC offsets where applicable), BAH and BAS allowances, SBP election (where retirement-eligible), and any remaining GI Bill entitlement. TSP allocation is structured with current contribution rate, fund allocation, and the BRS-matching contribution amount.

The Data Set ships as JSON and CSV, accompanied by the Methodology PDF. The DoD pay grade taxonomy, the BRS-vs-Legacy retirement system distinction, the VA disability rating-to-compensation calculation chain, the SBP election structure, and the CRDP/CRSC offset rules are built into the Data Set's structure and fields; typical service profiles are calibrated against public DoD and VA data.

Preview a sample household

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 90 like it) ships in the ZIP.

Technical Highlights

Sample Schema Fields

{
  "military.rank_and_pay_grade": <value>,
  "military.brs_continuation_pay": <value>,
  "benefits.va_loan_entitlement": <value>,
  "benefits.va_disability_rating": <value>,
  "income.bah_bas_allowances": <value>
}

Sample queries

households.filter(h =>
  h.military.retirement_system === 'BRS' &&
  h.military.years_of_service >= 19 &&
  h.military.years_of_service < 20 &&
  !h.military.brs_continuation_pay_elected
)

households.filter(h =>
  h.benefits.va_disability_rating > 0 &&
  h.benefits.va_disability_rating < 50 &&
  h.benefits.va_secondary_conditions_documented
)

households.filter(h =>
  h.military.years_of_service >= 19 &&
  !h.military.sbp_election_made &&
  h.members.find(m => m.role === 'spouse')
).map(h => ({
  id: h.id,
  sbp_cost_monthly: h.military.sbp_cost_monthly,
  equivalent_term_life_annual: h.military.sbp_equivalent_term_life_cost,
  recommendation: h.military.sbp_recommendation
}))

households.filter(h =>
  h.benefits.va_disability_rating >= 50 &&
  h.military.is_retired &&
  !h.benefits.crdp_crsc_assessed
)

Methodology

Each household's military profile is generated against rank-and-service-stage-specific patterns. Active-duty enlisted typically carry BRS retirement system enrollment with 5% TSP contribution to maximize matching. Active-duty officers carry similar BRS enrollment with higher absolute contribution amounts due to higher base pay. Military retirees carry pension calculations under either BRS (post-2018 service entry) or Legacy High-Three (pre-2018 service entry); the SBP election is documented with the cost-vs-civilian-equivalent analysis. VA disability ratings follow realistic distributions calibrated against VBA-published rating data. Combat-related disabilities (driving CRSC eligibility) versus non-combat-related (driving CRDP eligibility) are structurally distinguished. The corpus passes the consistency validator (BRS calculations are mathematically correct; VA disability compensation reconciles with disability rating; CRDP/CRSC offsets follow the correct rules) and the LLM-as-judge gate. Each refresh tracks DoD pay table updates, VA disability compensation rate changes, and any benefit-rule changes.

Included Archetypes (7)

Frequently asked questions