Themes
In-depth guides to the planning themes that shape every Wealth Data Set: tax-loss harvesting, equity comp, retirement income sequencing, ESG alignment, and more.
Aggregator & Custodian Integration — Test Data That Survives the Round Trip
Every wealth-tech platform has an integration layer, and most ship with mock data that quietly assumes it always works. Production breaks on the round trip, in the reconciliation between aggregator and custodian.
Cross-Border & Multi-Currency Wealth — Test Data for the Long Tail
Domestic-only test data is fine for domestic-only platforms. Anything that touches cross-border — and most institutional wealth-tech eventually does — needs a different test corpus.
Decumulation Edge Cases — Annuities, Insurance, NQDC, Pensions
Monte Carlo, Roth conversion, and RMD logic are the easy parts of decumulation. The hard parts are the products mock data forgets exist — starting with annuity riders and HSA reimbursement timing.
Equity Compensation
Exercise ISOs and hold the shares past year-end, and the spread between strike and FMV becomes an AMT preference — taxed even though no cash changed hands, sometimes on a paper gain that later evaporates.
Retirement Income Sequencing
Two retirees with the same portfolio and the same average return can still land in radically different places — the one who runs out of money usually didn't run out of returns, just ran out of them at the wrong time.
Tax-Loss Harvesting
A position-level snapshot tells you the holder owns VTI at some cost basis. It doesn't tell you when each lot was acquired, or whether a wash sale in a different account just disallowed part of the loss.
Time-Series Fidelity in Synthetic Wealth Data
A wrong rule applied to a household's monthly history compounds every month, until the position has hallucinated a corporate parent that no longer exists or a cost basis that disagrees with itself across reporting paths.