Wealth transfer is the largest single client-attrition risk most wealth firms face. Studies consistently show 60-70% of HNW heirs leave their parents' advisor within two years of inheritance. The reasons aren't mysterious: the heirs were never engaged with the advisor before the transfer; the relationship was built with the parent, and the heir had no reason to maintain it. The Next-Gen Attrition Predictor Dataset is 15 next-generation wealth-recipient households built for the firms trying to invert this — engaging heirs early, scoring their engagement, and giving the family advisor a structural reason to stay relevant when the wealth transfers.
Building a next-gen engagement program is a category-design problem most wealth firms haven't solved. The product surface is unusual — the 'client' is a teenager or young adult who isn't paying for the service and may not even know the service exists. The economic value is in the future, conditional on the parent dying or transferring assets in 5-30 years. The client journey has to begin without the client's knowledge of being on a journey at all. None of this fits the standard wealth-platform product template.
For builders trying to design tools that support next-gen engagement, the data problem is acute. The next-gen population in any individual firm's book is small (the firm has the parents' households, not the heirs') and structurally different from the parent population (different age, different financial situation, different engagement preferences). Building tools without representative data means designing in the dark.
This Data Set is intentionally focused — 15 households, all next-gen heirs from HNW families. The size reflects the real population; you're not modeling a mass-market segment, you're modeling the specific 'children of HNW families' segment whose behavior the firm needs to understand. The structured data covers engagement metrics, custodial account structures, kiddie-tax modeling, and the intergenerational communication scoring that drives whether the heir maintains the family-advisor relationship after transfer.
Tests the platform's heir-engagement scoring, communication-frequency tracking, and milestone-based outreach logic against 15 realistic heir profiles spanning teen, young-adult, and post-graduation life stages.
Validates the firm's family-meeting preparation workflow against realistic heir profiles, ensuring the meeting agenda and preparation materials match the heir's actual engagement level, financial sophistication, and interest patterns rather than defaulting to a one-size-fits-all script.
Tests the firm's age-appropriate outreach strategy against heir profiles, ensuring the cadence, content, and channel match the heir's life stage (high school junior reading college funding letters; 20-something professional getting investment-basics content; 30-something starting their own family).
Validates the platform's UTMA / UGMA / 529 structures, the kiddie-tax calculation logic, and the age-of-majority transition workflows against realistic custodial account profiles where the heir is approaching the age-of-majority transition.
Studies the behavioural patterns of next-gen heirs using a corpus where engagement, financial-literacy, and life-stage data are structured alongside the parent-side wealth profile — supporting research on the structural drivers of generational-wealth attrition.
The 15 households are all from the E-03 (Next-Gen Wealth Recipient) archetype — teen and young-adult heirs from HNW families. Each household carries structured data about both sides of the relationship: the heir's own profile (age, education status, employment, financial-literacy score, engagement-frequency with the family advisor) and the parent-side context (which trust structures the heir is named in, expected inheritance amount, current parent age, and the planning timeline).
Engagement metrics are central to the Data Set: count and recency of advisor touchpoints, family-meeting attendance, response rates to advisor outreach, and a structured communication-frequency score on a 0-100 scale. Custodial account structures (UTMA, UGMA, 529) are documented with current balances, contribution histories, and the age-of-majority transition timeline. Kiddie-tax modeling tracks the heir's unearned income against the kiddie-tax thresholds with the structured calculation. Inheritance expectations are documented from the heir's perspective (what the heir believes they'll inherit, separate from what the parent has actually planned) — the gap between these is itself a planning indicator.
The Data Set ships as JSON and CSV. The WealthSynth Methodology PDF documents the next-gen engagement framework, the kiddie-tax calculation methodology, the custodial-account taxonomy, the family-meeting preparation framework, and the calibration sources for typical next-gen profiles by age and family-wealth tier.
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 15 like it) ships in the ZIP.
{
"family.heir_profiles[]": <value>,
"engagement.advisor_touchpoint_count": <value>,
"estate.inheritance_expectations": <value>,
"accounts.custodial.utma_balance": <value>,
"behavioral.financial_literacy_score": <value>
}Returns heirs whose age is within 12 months of the state-specific age-of-majority — the planning window where UTMA/UGMA accounts are about to transition to the heir's direct control and family-meeting outreach has highest leverage.
households.filter(h => {
const heir = h.members.find(m => m.role === 'heir');
const aom = h.members[0].state === 'CA' ? 18 :
h.members[0].state === 'AL' ? 21 : 18;
return heir.age >= aom - 1 && heir.age < aom;
})Returns heirs whose engagement-frequency score has declined over the past 24 months — the queue for advisor outreach to re-engage before the relationship atrophies further.
households.filter(h => {
const recent = h.engagement.score_history.slice(-12);
const earlier = h.engagement.score_history.slice(-24, -12);
return mean(recent) < mean(earlier) - 10;
})Returns heirs whose unearned income exceeds the kiddie-tax exemption threshold, with the projected tax owed at the parent's marginal rate — the documentation queue for tax-time reporting and family-meeting discussion.
households.filter(h =>
h.taxes.kiddie_tax_unearned_income > h.taxes.kiddie_tax_exemption
).map(h => ({
id: h.id,
unearned_income: h.taxes.kiddie_tax_unearned_income,
exemption: h.taxes.kiddie_tax_exemption,
taxable_at_parent_rate: h.taxes.kiddie_tax_unearned_income -
h.taxes.kiddie_tax_exemption
}))Returns heirs whose expressed inheritance expectations differ significantly from the actual estate plan — the cases where family-meeting communication has the highest expected value.
households.filter(h => {
const expected = h.estate.inheritance_expectations.heir_expected_value;
const actual = h.estate.inheritance_expectations.parent_actual_plan;
return Math.abs(expected - actual) / actual > 0.30;
})Each next-gen heir household is generated against a structurally complete model. The heir's profile is calibrated against published research on Gen Z and millennial financial behaviour (Center for Generational Kinetics, Pew Research data on Gen Z financial habits, FINRA Foundation financial-literacy assessments). Engagement metrics are calibrated against Williams Group ('Preparing Heirs') research on next-gen relationship-continuity factors. Custodial account structures use the canonical UTMA / UGMA / 529 taxonomy with realistic balance distributions for heirs of HNW families. Kiddie-tax calculations apply the current-year kiddie-tax structure (unearned-income tax at the parent's marginal rate above the exemption). Inheritance expectations are generated with a deliberate gap between heir's expectation and parent's actual plan — research consistently shows this gap exists in most HNW families. The corpus passes the WealthSynth consistency validator (heir age and education status are coherent; custodial balances are mathematically consistent with contribution history; kiddie-tax calculations are correct) and the LLM-as-judge gate. Annual refresh tracks state-level age-of-majority changes and federal kiddie-tax-rule updates.
Next-gen heirs from HNW families is a specific, narrow population. 15 well-calibrated households serve the use case better than a large generic corpus. The bundle is intentionally a companion to B11 (Wealth Transfer Readiness, 110 HNW households) — you typically buy them together.
The heirs span ages 14-29, with the distribution weighted toward the most planning-relevant ages: 16-22 (the high school / early college / early career window where engagement habits form) and 25-29 (the post-graduation / first-job / first-marriage window where major financial decisions begin).
Yes. Research from Williams Group and others consistently shows that heirs in HNW families typically misunderstand the actual estate plan — sometimes overestimating their share, sometimes underestimating, often misunderstanding which assets are restricted by trust structure. The corpus reflects this with realistic gaps between heir expectations and parent's actual plan.
Yes. About 80% of the corpus has at least one 529 plan with the heir as beneficiary. The structured 529 data includes balance, contribution history (parent + grandparent + family contributions), state-tax-deduction state, and the age-appropriate enrollment timeline.
Each heir has a structured family-meeting attendance history: meeting date, attendance status, the meeting topic, and the heir's stated engagement level (subjective, captured through advisor notes). The corpus also tracks the gap between scheduled meetings and attended meetings — a key engagement signal.
Yes. The 0-100 financial-literacy score is calibrated against the FINRA Foundation's Financial Capability Survey questions, scored against Gen Z benchmark distributions. The corpus distribution matches published age-and-education-controlled benchmarks, with HNW-family heirs scoring slightly above generation peers due to family-driven exposure.
Heirs approaching age-of-majority have a structured transition timeline. The transition event itself (UTMA/UGMA to individual account) is documented with the date, the post-transition account structure, and the planning conversations that precede it. About 30% of the corpus is mid-transition or recently transitioned.
B11 covers the parent side of wealth transfer — readiness scoring, trust structures, gifting strategy. B09 covers the heir side — engagement, communication, expectation alignment. The two are explicitly companion bundles. Most family-office and HNW-advisor buyers purchase both; the cost saving from buying them together vs. separately is part of the bundle's positioning.
110 HNW and UHNW households with estate planning readiness scores, trust structures, gifting histories, charitable giving data, and GST exemption tracking. Complements B09 (Next-Gen Attrition) and B12 (Estate & Trust Planning).
180 households representing the full estate-planning lifecycle: peak earners building first trusts, HNW with complex multi-trust structures, late-retirees simplifying for handoff, recent inheritors navigating step-up basis, and next-gen heirs receiving distributions.
130 households with elevated behavioral risk: financial-anxiety avoiders, overconfident DIY investors with concentration, lifestyle-inflation spenders, post-divorce rebuilders, and student-loan tax-bomb candidates. Each carries a behavioral profile and intervention-trigger flags.
Purchases are for internal use only. Redistribution or resale of data is prohibited under the WealthSchema Data License.
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