Military and veteran financial planning has structural complexity that civilian advisors routinely miss. The Blended Retirement System (BRS) pension calculation, the TSP investment options, the VA loan entitlement and re-use rules, the SBP election that affects survivor income, VA disability compensation with CRDP and CRSC offsets, the transition-from-service planning window — every dimension has rules that don't apply to any other client segment. The Military & Veterans Financial Pack is 90 active-duty, retired, and veteran households built for the firms serving this segment with the specificity their service deserves.
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.
Validates the platform's BRS pension calculation, TSP allocation modeling, VA loan eligibility logic, and SBP election analysis against 90 military and veteran households spanning the realistic service-and-life-stage range.
Tests the firm's military-to-civilian transition workflow against realistic transition profiles, ensuring the tooling correctly handles the SBP-vs-civilian-life-insurance decision, the TSP-rollover-vs-stay decision, the VA-disability-rating documentation, and the civilian-employment-resume preparation.
Tests the firm's VA-benefit optimization tools against realistic veteran profiles, ensuring the tooling correctly captures the disability-rating math, CRDP/CRSC offset calculations, and the interaction between VA disability compensation and other income sources.
Validates the firm's TSP allocation recommendation tool against active-duty profiles, ensuring the recommendations correctly handle the BRS-vs-Legacy retirement-system distinction, the matching-contribution mechanics under BRS, and the L-fund vs. self-directed allocation decision.
Tests the firm's VA loan origination workflow against realistic veteran profiles, ensuring the tooling correctly handles VA loan entitlement calculation, re-use entitlement on prior VA loans, and the VA funding fee waiver for service-connected disability.
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. The WealthSynth Methodology PDF documents the DoD pay grade taxonomy, the BRS-vs-Legacy retirement system distinction, the VA disability rating-to-compensation calculation chain, the SBP election structure, the CRDP/CRSC offset rules, and the calibration source for typical service 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 90 like it) ships in the ZIP.
{
"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>
}Returns active-duty service members within 12 months of 20-year retirement eligibility under BRS, with the structured continuation-pay decision and the BRS-vs-Legacy lump-sum-option decision pending.
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 )
Returns veterans whose current disability rating is below 50% but whose documented conditions might support a higher rating after a Compensation & Pension exam — the queue for VSO referral.
households.filter(h => h.benefits.va_disability_rating > 0 && h.benefits.va_disability_rating < 50 && h.benefits.va_secondary_conditions_documented )
Returns military retirees within 12 months of retirement decision who haven't yet elected SBP, with the structured analysis comparing SBP cost to equivalent civilian-life-insurance pricing.
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
}))Returns disabled-veteran retirees whose disability rating qualifies them for either CRDP (Concurrent Retirement and Disability Pay) or CRSC (Combat-Related Special Compensation) — but who haven't yet been assessed for the optimal offset structure.
households.filter(h => h.benefits.va_disability_rating >= 50 && h.military.is_retired && !h.benefits.crdp_crsc_assessed )
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 WealthSynth 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. Annual refresh tracks DoD pay table updates, VA disability compensation rate changes, and any benefit-rule changes.
Yes. The BRS continuation-pay multiplier (between 2.5 and 13.0 depending on service) is documented per service member with the cap-and-floor mechanics. The election decision (take continuation pay and commit to additional service vs. decline and exit) is structured with the realistic financial-vs-career trade-off.
The corpus uses current-year VA disability compensation rates for each rating level (0% through 100% in 10% increments, plus the special-monthly-compensation categories). Annual refresh updates against the COLA-driven annual rate adjustments.
Yes. About 70% of military retirees in the corpus have elected SBP, in line with published retirement-decision data. The cost (6.5% of base annuity) and the survivor benefit (55% of elected coverage) are structured. Households with no spouse have the structured no-SBP-no-need analysis.
Yes. The TSP's recent expansion (mutual fund window, Roth TSP, automatic contribution increases) is reflected. The BRS continuation-pay cap-and-floor changes from the 2023 NDAA are reflected. Annual refresh tracks subsequent statutory changes.
Yes. Nonprofit-employed veterans (about 22% of the corpus's post-service population) carry structured PSLF qualifying-payment-count data. The structural overlap between B25 and B19 (Student Debt) is intentional — military-to-nonprofit transitions are a common path that crosses both bundles.
Yes. Active-duty service members with combat-zone deployment in the past 24 months carry structured CZTE income — the tax-free portion of base pay during deployment, plus the CZTE-eligible re-enlistment-bonus tax treatment. The structured data lets your tools handle the income-reporting correctly.
VA loan entitlement is structured with the basic entitlement, the bonus entitlement, and the use-history. Veterans with active VA loans carry the structured used-entitlement calculation; those who've paid off prior VA loans carry the restoration-of-entitlement timeline. Dual-VA-loan scenarios (where entitlement coverage is split between two properties) are documented where applicable.
Yes. About 8% of the corpus is Coast Guard or Space Force. The corpus reflects the unique aspects of these branches (Space Force as a relatively new branch with all-BRS enlistment, Coast Guard's DHS-not-DoD organizational status) where structurally relevant.
180 households with detailed student loan data: loan types, servicers, IDR plan enrollment, PSLF qualifying-payment counts, refinancing history, and forgiveness-tax-bomb projections. Includes Parent PLUS borrowers and double-consolidation paths.
210 near-retiree and retiree households with multi-source income modeling: Social Security claiming ages, pension elections, RMD schedules, annuity payouts, and taxable/tax-deferred withdrawal sequencing. Includes Roth conversion windows and IRMAA tier calculations.
250 households across the healthcare-benefits lifecycle: HDHP-with-HSA accumulators, COBRA/ACA-marketplace gap-fillers, SSDI/LTD claimants, Medicare-bridge pre-retirees, and IRMAA-exposed retirees. HSA-as-retirement-account strategies fully modeled.
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