| {"archetype_id":"F-01","archetype_name":"New Graduate Tech Worker","life_stage":"formation","wealth_tier":"mass_market","household_type":"single","state_of_residence":"WV","num_members":1,"num_dependents":0,"gross_income_band":"$50k–$100k","schema_version":"v3.0.0","sample_policy":"A small free sample: 8 deliberately insufficient households (one per life stage plus one high-net-worth). PII removed, dollar amounts banded, 96-month trajectory truncated to 12 months, forward projections withheld. Evaluation-only. The full corpus (1,451 households across 71 archetypes, exact figures) is a one-time purchase.","household_json":"{\"_meta\":{\"schema_version\":\"v3.0.0\",\"archetype_id\":\"F-01\",\"archetype_name\":\"New Graduate Tech Worker\",\"seed\":1,\"is_stress_case\":true,\"generation_method\":\"deterministic\",\"narrative_fields_populated\":false,\"longitudinal_months\":96,\"deterministic_sections_populated\":true,\"reference_data_version\":\"v2.0.0\"},\"archetype_id\":\"F-01\",\"archetype_name\":\"New Graduate Tech Worker\",\"life_stage\":\"formation\",\"bundle_tags\":[\"B02\",\"B14\",\"B16\",\"B19\",\"B22\",\"B28\"],\"persona\":{\"household_type\":\"single\",\"state_of_residence\":\"WV\",\"cost_of_living_index\":100,\"education_level\":\"hs_diploma\",\"num_dependents\":0,\"dependent_ages\":[],\"homeowner\":true,\"citizenship_status\":\"us_citizen\",\"generation_cohort\":\"gen_z\"},\"members\":[{\"employment_status\":\"employee\",\"role\":\"primary\",\"age\":26,\"industry\":\"professional_services\",\"base_salary\":\"$50k–$100k\",\"bonus_actual_last_yr\":\"$1k–$10k\",\"social_security_projected_age_67\":\"$1k–$10k\",\"gender\":\"female\"}],\"cash_flow\":{\"income_breakdown\":{\"w2_salary\":\"$50k–$100k\",\"w2_bonus\":\"$1k–$10k\"},\"gross_income_annual\":\"$50k–$100k\",\"net_income_annual\":\"$10k–$50k\",\"income_sources\":[{\"source_type\":\"w2_salary\",\"gross_annual\":\"$50k–$100k\",\"frequency\":\"biweekly\"},{\"source_type\":\"w2_bonus\",\"label\":\"Annual Performance Bonus\",\"gross_annual\":\"$1k–$10k\",\"payer\":\"Heritage Advisors LLC\",\"is_primary\":false}],\"expenses_monthly\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"<$1k\",\"transportation\":\"<$1k\",\"healthcare\":\"<$1k\",\"childcare\":\"<$1k\",\"eldercare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"<$1k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"tithing\":\"<$1k\",\"remittances\":\"<$1k\",\"bnpl_payments\":\"<$1k\",\"credit_card_minimum\":\"<$1k\",\"other_debt_payments\":\"<$1k\",\"other\":\"<$1k\",\"total\":\"$1k–$10k\"},\"savings_rate_pct\":-1.9,\"dti_ratio\":0.452,\"monthly_surplus_deficit\":-63.7,\"savings_investments_monthly\":\"<$1k\",\"income_type\":\"w2\"},\"assets\":{\"checking_accounts\":[{\"account_id\":\"CHK-001\",\"account_type\":\"joint_checking\",\"institution\":\"Northbrook National Bank\",\"balance\":\"$1k–$10k\"}],\"savings_accounts\":[{\"account_id\":\"SAV-001\",\"account_type\":\"high_yield_savings\",\"institution\":\"Northbrook National Bank\",\"balance\":\"$10k–$50k\"}],\"brokerage_accounts\":[{\"account_id\":\"BRK-001\",\"account_type\":\"individual_taxable\",\"institution\":\"Beacon Investment Services\",\"balance\":\"$1k–$10k\"}],\"retirement_accounts\":[{\"account_id\":\"RET-001\",\"account_type\":\"401k_traditional\",\"owner\":\"M-001\",\"balance\":\"$10k–$50k\",\"institution\":\"Cornerstone Retirement Services\"},{\"account_id\":\"RET-002\",\"account_type\":\"traditional_ira\",\"owner\":\"M-001\",\"balance\":\"$1k–$10k\",\"institution\":\"Beacon Investment Services\"},{\"account_id\":\"RET-003\",\"account_type\":\"roth_ira\",\"owner\":\"M-001\",\"balance\":\"$1k–$10k\",\"institution\":\"Beacon Investment Services\"}],\"real_estate\":[{\"property_id\":\"RE-001\",\"property_type\":\"primary_residence\",\"estimated_value\":\"$250k–$500k\",\"purchase_price\":\"$100k–$250k\",\"purchase_year\":2025}],\"vehicles\":[{\"vehicle_id\":\"VEH-001\",\"year\":2023,\"make\":\"Mazda\",\"model\":\"CX-5\",\"estimated_value\":\"$10k–$50k\"}],\"other_assets\":[],\"hsa_accounts\":[{\"account_id\":\"HSA-001\",\"balance\":\"<$1k\"}],\"education_accounts\":[],\"alternative_investments\":[],\"total_assets\":\"$250k–$500k\"},\"liabilities\":{\"mortgage_loans\":[{\"loan_id\":\"MTG-001\",\"lender\":\"Beacon Mortgage Servicing\",\"current_balance\":\"$100k–$250k\",\"balance\":\"$100k–$250k\",\"original_balance\":\"$100k–$250k\",\"monthly_payment\":\"$1k–$10k\",\"interest_rate\":0.069,\"origination_year\":2025,\"term_years\":30,\"purchase_price\":\"$100k–$250k\"}],\"credit_cards\":[{\"card_id\":\"CC-001\",\"issuer\":\"Northbrook National\",\"card_name\":\"Sapphire Rewards\",\"current_balance\":\"$1k–$10k\",\"balance\":\"$1k–$10k\",\"credit_limit\":\"$1k–$10k\"}],\"student_loans\":[{\"loan_id\":\"SL-001\",\"servicer\":\"Horizon Education Lending\",\"current_balance\":\"$10k–$50k\",\"balance\":\"$10k–$50k\",\"monthly_payment\":\"<$1k\",\"interest_rate\":0.0501}],\"auto_loans\":[{\"loan_id\":\"AUTO-001\",\"current_balance\":\"$10k–$50k\",\"balance\":\"$10k–$50k\",\"monthly_payment\":\"<$1k\",\"interest_rate\":0.07,\"vehicle_description\":\"2023 Mazda CX-5\",\"lender\":\"Beacon Mortgage Servicing\"}],\"total_liabilities\":\"$250k–$500k\"},\"insurance\":{\"life_insurance\":[{\"policy_id\":\"LIF-001\",\"insured\":\"M-001\",\"policy_type\":\"term\",\"term_years\":20,\"death_benefit\":\"$500k–$1M\",\"cash_value\":\"<$1k\",\"annual_premium\":\"<$1k\",\"beneficiary\":\"estate\",\"issue_year\":2024,\"carrier\":\"Pinnacle Mutual Assurance\"}],\"disability_insurance\":[{\"policy_id\":\"DIS-001\",\"insured\":\"M-001\",\"policy_type\":\"long_term_disability\",\"monthly_benefit\":\"$1k–$10k\",\"benefit_period_years\":10,\"elimination_period_days\":90,\"own_occupation\":true,\"annual_premium\":\"$1k–$10k\",\"carrier\":\"Lakeshore Regional Insurance\"}],\"health_insurance\":[{\"policy_id\":\"HLT-001\",\"plan_type\":\"hdhp\",\"insured_members\":[\"M-001\"],\"monthly_premium\":\"<$1k\",\"annual_deductible_individual\":\"$1k–$10k\",\"annual_deductible_family\":\"$1k–$10k\",\"out_of_pocket_max_family\":\"$1k–$10k\",\"hsa_eligible\":true,\"carrier\":\"Liberty Crest Health\"}],\"property_casualty\":[{\"policy_id\":\"HOM-001\",\"policy_type\":\"homeowners\",\"liability_coverage\":\"$250k–$500k\",\"annual_premium\":\"<$1k\",\"carrier\":\"Westwind Insurance\",\"dwelling_coverage\":\"$10k–$50k\",\"personal_property_coverage\":\"$1k–$10k\"},{\"policy_id\":\"AUT-001\",\"policy_type\":\"auto\",\"liability_coverage\":\"$250k–$500k\",\"annual_premium\":\"$1k–$10k\",\"carrier\":\"Beacon Travelers Group\",\"vehicles_covered\":1,\"liability_limit\":\"100/300/100\",\"comprehensive_collision\":true}],\"umbrella_liability\":null,\"ltc_insurance\":[]},\"tax_profile\":{\"filing_status\":\"single\",\"federal_effective_rate\":0.154,\"agi_estimate\":\"$50k–$100k\",\"taxable_income_estimate\":\"$10k–$50k\",\"fica_employee_annual\":\"$1k–$10k\",\"remaining_401k_space\":\"<$1k\",\"remaining_ira_space\":\"<$1k\",\"remaining_hsa_space\":\"<$1k\"},\"net_worth\":{\"net_worth\":\"$50k–$100k\",\"total_assets\":\"$250k–$500k\",\"total_liabilities\":\"$250k–$500k\",\"liquid_net_worth\":\"$10k–$50k\",\"investable_assets\":\"$10k–$50k\"},\"credit_profile\":{\"fico_score\":699,\"fico_band\":\"good_670_739\",\"open_accounts\":5,\"oldest_account_years\":4,\"on_time_payment_pct\":96.7,\"derogatory_marks\":0,\"thin_file\":false,\"total_utilization_pct\":48.5,\"total_credit_limit\":\"$1k–$10k\"},\"goals\":[{\"goal_id\":\"G-001\",\"goal_type\":\"retirement\",\"priority\":\"critical\",\"target_amount\":\"$1M–$3M\",\"current_progress\":\"$10k–$50k\",\"target_date\":\"2065-01-01\",\"monthly_savings_needed\":345,\"current_monthly_savings\":110,\"on_track\":false,\"description\":\"retirement goal — see numeric fields for current state.\",\"gap_analysis\":\"Currently saving $110/mo against required $345/mo (shortfall: $235/mo).\"},{\"goal_id\":\"G-002\",\"goal_type\":\"emergency_fund\",\"priority\":\"high\",\"target_amount\":\"$10k–$50k\",\"current_progress\":\"$10k–$50k\",\"target_date\":\"2027-01-01\",\"monthly_savings_needed\":28,\"current_monthly_savings\":28,\"on_track\":false,\"description\":\"emergency fund goal — see numeric fields for current state.\",\"gap_analysis\":\"Currently saving $28/mo against required $28/mo (shortfall: $0/mo).\"}],\"behavioral_profile\":{\"risk_tolerance_score\":8,\"risk_tolerance_label\":\"aggressive\",\"risk_capacity_score\":8,\"savings_discipline\":\"fair\",\"financial_anxiety_score\":4,\"investment_style\":\"passive_index\",\"spending_style\":\"conspicuous\",\"debt_attitude\":\"pragmatic\",\"advisor_receptiveness\":\"diy_only\",\"charitable_inclination\":\"occasional\",\"financial_planning_engagement\":\"reactive\"},\"estate_profile\":{\"estimated_taxable_estate\":\"$500k–$1M\",\"federal_estate_tax_exposure\":false},\"longitudinal\":{\"monthly\":[{\"month\":\"2020-01\",\"month_index\":1,\"type\":\"historical\",\"net_worth\":\"negative\",\"total_assets\":\"$250k–$500k\",\"total_liabilities\":\"$250k–$500k\",\"gross_income_month\":\"$1k–$10k\",\"net_income_month\":\"$1k–$10k\",\"total_expenses_month\":\"$1k–$10k\",\"savings_month\":-417,\"savings_rate_pct\":-15.83,\"cash_balance\":\"$10k–$50k\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":6.05,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"<$1k\",\"transportation\":\"<$1k\",\"healthcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"<$1k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"other_debt_payments\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":94,\"portfolio_return_pct\":0.248,\"life_event_flag\":null,\"stress_flag\":false,\"stress_description\":null},{\"month\":\"2020-02\",\"month_index\":2,\"type\":\"historical\",\"net_worth\":\"negative\",\"total_assets\":\"$250k–$500k\",\"total_liabilities\":\"$250k–$500k\",\"gross_income_month\":\"$1k–$10k\",\"net_income_month\":\"$1k–$10k\",\"total_expenses_month\":\"$1k–$10k\",\"savings_month\":-320,\"savings_rate_pct\":-12.11,\"cash_balance\":\"$10k–$50k\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":6.03,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"<$1k\",\"transportation\":\"<$1k\",\"healthcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"<$1k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"other_debt_payments\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":\"$1k–$10k\",\"portfolio_return_pct\":5.512,\"life_event_flag\":null,\"stress_flag\":false,\"stress_description\":null},{\"month\":\"2020-03\",\"month_index\":3,\"type\":\"historical\",\"net_worth\":\"negative\",\"total_assets\":\"$250k–$500k\",\"total_liabilities\":\"$250k–$500k\",\"gross_income_month\":\"$1k–$10k\",\"net_income_month\":\"$1k–$10k\",\"total_expenses_month\":\"$1k–$10k\",\"savings_month\":-407,\"savings_rate_pct\":-15.33,\"cash_balance\":\"$10k–$50k\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":6.02,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"<$1k\",\"transportation\":\"<$1k\",\"healthcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"<$1k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"other_debt_payments\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":\"$1k–$10k\",\"portfolio_return_pct\":2.75,\"life_event_flag\":null,\"stress_flag\":false,\"stress_description\":null},{\"month\":\"2020-04\",\"month_index\":4,\"type\":\"historical\",\"net_worth\":\"negative\",\"total_assets\":\"$250k–$500k\",\"total_liabilities\":\"$250k–$500k\",\"gross_income_month\":\"$1k–$10k\",\"net_income_month\":\"$1k–$10k\",\"total_expenses_month\":\"$1k–$10k\",\"savings_month\":\"negative\",\"savings_rate_pct\":-51.04,\"cash_balance\":\"$10k–$50k\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":6.01,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"<$1k\",\"transportation\":\"<$1k\",\"healthcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"<$1k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"other_debt_payments\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":\"$1k–$10k\",\"portfolio_return_pct\":3.594,\"life_event_flag\":null,\"stress_flag\":true,\"stress_description\":\"Income shock (job loss / business slowdown) coincident with market drawdown.\"},{\"month\":\"2020-05\",\"month_index\":5,\"type\":\"historical\",\"net_worth\":\"negative\",\"total_assets\":\"$250k–$500k\",\"total_liabilities\":\"$250k–$500k\",\"gross_income_month\":\"$1k–$10k\",\"net_income_month\":\"$1k–$10k\",\"total_expenses_month\":\"$1k–$10k\",\"savings_month\":-932,\"savings_rate_pct\":-43.53,\"cash_balance\":\"$10k–$50k\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":6,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"<$1k\",\"transportation\":\"<$1k\",\"healthcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"<$1k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"other_debt_payments\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":\"negative\",\"portfolio_return_pct\":-3.956,\"life_event_flag\":null,\"stress_flag\":true,\"stress_description\":\"Income shock (job loss / business slowdown) coincident with market drawdown.\"},{\"month\":\"2020-06\",\"month_index\":6,\"type\":\"historical\",\"net_worth\":\"negative\",\"total_assets\":\"$250k–$500k\",\"total_liabilities\":\"$250k–$500k\",\"gross_income_month\":\"$1k–$10k\",\"net_income_month\":\"$1k–$10k\",\"total_expenses_month\":\"$1k–$10k\",\"savings_month\":\"negative\",\"savings_rate_pct\":-48.95,\"cash_balance\":\"$10k–$50k\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":5.98,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"<$1k\",\"transportation\":\"<$1k\",\"healthcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"<$1k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"other_debt_payments\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":\"negative\",\"portfolio_return_pct\":-5.727,\"life_event_flag\":null,\"stress_flag\":true,\"stress_description\":\"Income shock (job loss / business slowdown) coincident with market drawdown.\"},{\"month\":\"2020-07\",\"month_index\":7,\"type\":\"historical\",\"net_worth\":\"negative\",\"total_assets\":\"$250k–$500k\",\"total_liabilities\":\"$250k–$500k\",\"gross_income_month\":\"$1k–$10k\",\"net_income_month\":\"$1k–$10k\",\"total_expenses_month\":\"$1k–$10k\",\"savings_month\":\"negative\",\"savings_rate_pct\":-51.49,\"cash_balance\":\"$10k–$50k\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":5.97,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"<$1k\",\"transportation\":\"<$1k\",\"healthcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"<$1k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"other_debt_payments\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":\"negative\",\"portfolio_return_pct\":-3.375,\"life_event_flag\":null,\"stress_flag\":true,\"stress_description\":\"Income shock (job loss / business slowdown) coincident with market drawdown.\"},{\"month\":\"2020-08\",\"month_index\":8,\"type\":\"historical\",\"net_worth\":\"negative\",\"total_assets\":\"$250k–$500k\",\"total_liabilities\":\"$250k–$500k\",\"gross_income_month\":\"$1k–$10k\",\"net_income_month\":\"$1k–$10k\",\"total_expenses_month\":\"$1k–$10k\",\"savings_month\":\"negative\",\"savings_rate_pct\":-48.31,\"cash_balance\":\"$10k–$50k\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":5.96,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"<$1k\",\"transportation\":\"<$1k\",\"healthcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"<$1k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"other_debt_payments\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":-950,\"portfolio_return_pct\":-2.545,\"life_event_flag\":null,\"stress_flag\":true,\"stress_description\":\"Income shock (job loss / business slowdown) coincident with market drawdown.\"},{\"month\":\"2020-09\",\"month_index\":9,\"type\":\"historical\",\"net_worth\":\"negative\",\"total_assets\":\"$250k–$500k\",\"total_liabilities\":\"$250k–$500k\",\"gross_income_month\":\"$1k–$10k\",\"net_income_month\":\"$1k–$10k\",\"total_expenses_month\":\"$1k–$10k\",\"savings_month\":-648,\"savings_rate_pct\":-26.48,\"cash_balance\":\"$10k–$50k\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":5.94,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"<$1k\",\"transportation\":\"<$1k\",\"healthcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"<$1k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"other_debt_payments\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":-373,\"portfolio_return_pct\":-1.026,\"life_event_flag\":null,\"stress_flag\":true,\"stress_description\":\"Recovering from income shock; partial earnings restoration.\"},{\"month\":\"2020-10\",\"month_index\":10,\"type\":\"historical\",\"net_worth\":\"negative\",\"total_assets\":\"$250k–$500k\",\"total_liabilities\":\"$250k–$500k\",\"gross_income_month\":\"$1k–$10k\",\"net_income_month\":\"$1k–$10k\",\"total_expenses_month\":\"$1k–$10k\",\"savings_month\":-644,\"savings_rate_pct\":-26.21,\"cash_balance\":\"$10k–$50k\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":5.93,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"<$1k\",\"transportation\":\"<$1k\",\"healthcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"<$1k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"other_debt_payments\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":\"negative\",\"portfolio_return_pct\":-3.954,\"life_event_flag\":null,\"stress_flag\":true,\"stress_description\":\"Recovering from income shock; partial earnings restoration.\"},{\"month\":\"2020-11\",\"month_index\":11,\"type\":\"historical\",\"net_worth\":\"negative\",\"total_assets\":\"$250k–$500k\",\"total_liabilities\":\"$250k–$500k\",\"gross_income_month\":\"$1k–$10k\",\"net_income_month\":\"$1k–$10k\",\"total_expenses_month\":\"$1k–$10k\",\"savings_month\":-826,\"savings_rate_pct\":-33.49,\"cash_balance\":\"$10k–$50k\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":5.92,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"<$1k\",\"transportation\":\"<$1k\",\"healthcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"<$1k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"other_debt_payments\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":\"$1k–$10k\",\"portfolio_return_pct\":3.465,\"life_event_flag\":null,\"stress_flag\":true,\"stress_description\":\"Recovering from income shock; partial earnings restoration.\"},{\"month\":\"2020-12\",\"month_index\":12,\"type\":\"historical\",\"net_worth\":\"negative\",\"total_assets\":\"$250k–$500k\",\"total_liabilities\":\"$250k–$500k\",\"gross_income_month\":\"$1k–$10k\",\"net_income_month\":\"$1k–$10k\",\"total_expenses_month\":\"$1k–$10k\",\"savings_month\":\"negative\",\"savings_rate_pct\":-42,\"cash_balance\":\"$1k–$10k\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":5.91,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"<$1k\",\"transportation\":\"<$1k\",\"healthcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"<$1k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"other_debt_payments\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":\"$1k–$10k\",\"portfolio_return_pct\":11.618,\"life_event_flag\":null,\"stress_flag\":true,\"stress_description\":\"Recovering from income shock; partial earnings restoration.\"}],\"methodology\":{\"cmaVersion\":\"vanguard-cmm-2025\",\"cmaSource\":\"Vanguard 2025 Economic and Market Outlook (December 2024) — midpoints of published 10-year nominal expected return ranges.\",\"allocation\":{\"us_equity\":0.534,\"intl_developed\":0.267,\"em_equity\":0.08900000000000001,\"us_agg_bonds\":0.05599999999999999,\"tips\":0.011999999999999999,\"high_yield\":0.011999999999999999,\"cash\":\"<$1k\",\"reit\":0,\"commodities\":0,\"private_equity\":0,\"hedge_funds\":0},\"allocationSummary\":{\"equityTotal\":\"<$1k\",\"bondsTotal\":\"<$1k\",\"cashTotal\":\"<$1k\",\"realAssetsTotal\":\"<$1k\",\"privateMarketsTotal\":\"<$1k\"},\"baseEquityShare\":0.89,\"riskTolerance\":\"moderate\",\"wealthTier\":\"mass_market\",\"inferredAge\":26,\"seed\":{\"string\":\"F-01|1|vanguard-cmm-2025\",\"uint32\":\"$30M+\"},\"realizedCagr\":0.1361,\"maxDrawdown\":0.2268,\"drawdownPeakMonth\":4,\"drawdownTroughMonth\":21,\"stressConditioned\":true,\"redrawCount\":1,\"inflationAnnualMean\":0.023,\"incomeGrowthAnnual\":\"<$1k\"},\"_truncated\":\"first 12 of 96 monthly snapshots (full trajectory + projections in the licensed corpus)\"},\"derived_ratios\":{\"emergency_fund_months\":6.1,\"fire_number\":\"$1M–$3M\",\"fire_progress_pct\":6.2,\"financial_independence_ratio\":0.04,\"debt_to_asset_ratio\":0.33,\"effective_tax_rate\":27.3,\"retirement_readiness_score\":20,\"overall_financial_health_score\":64.5,\"fico_min_96m\":675,\"fico_max_96m\":705,\"fico_current\":699,\"fico_projected_36m\":705},\"_sample\":{\"insufficient_for_production\":true,\"license\":\"evaluation-only\",\"redactions\":\"names/employer/metro/PII removed; dollar amounts banded; trajectory truncated\",\"full_set_url\":\"https://www.wealthschema.com/datasets\",\"note\":\"Shape and fidelity preview. The full validated corpus (96-month trajectories, exact figures, Monte-Carlo projections) is a one-time purchase.\"}}"} |
| {"archetype_id":"A-01","archetype_name":"Young Family — First Home","life_stage":"accumulation_early","wealth_tier":"mass_affluent","household_type":"married_with_children","state_of_residence":"FL","num_members":3,"num_dependents":1,"gross_income_band":"$100k–$250k","schema_version":"v3.0.0","sample_policy":"A small free sample: 8 deliberately insufficient households (one per life stage plus one high-net-worth). PII removed, dollar amounts banded, 96-month trajectory truncated to 12 months, forward projections withheld. Evaluation-only. The full corpus (1,451 households across 71 archetypes, exact figures) is a one-time purchase.","household_json":"{\"_meta\":{\"schema_version\":\"v3.0.0\",\"archetype_id\":\"A-01\",\"archetype_name\":\"Young Family — First Home\",\"seed\":1,\"is_stress_case\":true,\"generation_method\":\"deterministic\",\"narrative_fields_populated\":false,\"longitudinal_months\":96,\"deterministic_sections_populated\":true,\"reference_data_version\":\"v2.0.0\"},\"archetype_id\":\"A-01\",\"archetype_name\":\"Young Family — First Home\",\"life_stage\":\"accumulation_early\",\"bundle_tags\":[\"B02\",\"B04\",\"B06\",\"B10\",\"B13\",\"B14\"],\"persona\":{\"household_type\":\"married_joint\",\"state_of_residence\":\"FL\",\"cost_of_living_index\":98,\"education_level\":\"masters\",\"num_dependents\":1,\"dependent_ages\":[10],\"homeowner\":false,\"citizenship_status\":\"us_citizen\",\"generation_cohort\":\"millennial\"},\"members\":[{\"employment_status\":\"employee\",\"role\":\"primary\",\"age\":36,\"industry\":\"healthcare\",\"base_salary\":\"$50k–$100k\",\"bonus_actual_last_yr\":\"$1k–$10k\",\"social_security_projected_age_67\":\"$1k–$10k\",\"gender\":\"male\"},{\"employment_status\":\"employee\",\"role\":\"spouse\",\"age\":43,\"industry\":\"healthcare\",\"base_salary\":\"$50k–$100k\",\"bonus_actual_last_yr\":\"$1k–$10k\",\"social_security_projected_age_67\":\"$1k–$10k\",\"gender\":\"female\"},{\"role\":\"dependent\",\"age\":10,\"gender\":\"male\",\"employment_status\":\"dependent\",\"industry\":null,\"base_salary\":null,\"bonus_actual_last_yr\":null,\"social_security_projected_age_67\":null}],\"cash_flow\":{\"income_breakdown\":{\"w2_salary\":\"$100k–$250k\",\"w2_bonus\":\"$10k–$50k\"},\"gross_income_annual\":\"$100k–$250k\",\"net_income_annual\":\"$100k–$250k\",\"income_sources\":[{\"source_type\":\"w2_salary\",\"gross_annual\":\"$50k–$100k\",\"frequency\":\"biweekly\"},{\"source_type\":\"w2_salary\",\"gross_annual\":\"$50k–$100k\",\"frequency\":\"biweekly\"},{\"source_type\":\"w2_bonus\",\"label\":\"Annual Performance Bonus\",\"gross_annual\":\"$1k–$10k\",\"payer\":\"Cornerstone Hospital Network\",\"is_primary\":false},{\"source_type\":\"w2_bonus\",\"label\":\"Annual Performance Bonus\",\"gross_annual\":\"$1k–$10k\",\"payer\":\"Lakeside Health Partners\",\"is_primary\":false}],\"expenses_monthly\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"<$1k\",\"transportation\":\"<$1k\",\"healthcare\":\"<$1k\",\"childcare\":\"<$1k\",\"eldercare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"<$1k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"tithing\":\"<$1k\",\"remittances\":\"<$1k\",\"bnpl_payments\":\"<$1k\",\"credit_card_minimum\":\"<$1k\",\"other_debt_payments\":\"<$1k\",\"other\":\"<$1k\",\"total\":\"$1k–$10k\"},\"savings_rate_pct\":10.72,\"dti_ratio\":0.286,\"monthly_surplus_deficit\":897.18,\"savings_investments_monthly\":\"<$1k\",\"income_type\":\"w2\"},\"assets\":{\"checking_accounts\":[{\"account_id\":\"CHK-001\",\"account_type\":\"joint_checking\",\"institution\":\"Riverside National Bank\",\"balance\":\"$10k–$50k\"}],\"savings_accounts\":[{\"account_id\":\"SAV-001\",\"account_type\":\"high_yield_savings\",\"institution\":\"Riverside National Bank\",\"balance\":\"$100k–$250k\"}],\"brokerage_accounts\":[{\"account_id\":\"BRK-001\",\"account_type\":\"individual_taxable\",\"institution\":\"Meridian Securities\",\"balance\":\"$250k–$500k\"}],\"retirement_accounts\":[{\"account_id\":\"RET-001\",\"account_type\":\"401k_traditional\",\"owner\":\"M-001\",\"balance\":\"$100k–$250k\",\"institution\":\"Sterling Plan Administration\"},{\"account_id\":\"RET-002\",\"account_type\":\"traditional_ira\",\"owner\":\"M-001\",\"balance\":\"$10k–$50k\",\"institution\":\"Meridian Securities\"},{\"account_id\":\"RET-003\",\"account_type\":\"roth_ira\",\"owner\":\"M-001\",\"balance\":\"$10k–$50k\",\"institution\":\"Meridian Securities\"},{\"account_id\":\"RET-004\",\"account_type\":\"401k_traditional\",\"owner\":\"M-002\",\"balance\":\"$100k–$250k\",\"institution\":\"Sterling Plan Administration\"},{\"account_id\":\"RET-005\",\"account_type\":\"traditional_ira\",\"owner\":\"M-002\",\"balance\":\"$10k–$50k\",\"institution\":\"Meridian Securities\"},{\"account_id\":\"RET-006\",\"account_type\":\"roth_ira\",\"owner\":\"M-002\",\"balance\":\"$10k–$50k\",\"institution\":\"Meridian Securities\"}],\"real_estate\":[{\"property_id\":\"RE-001\",\"property_type\":\"primary_residence\",\"estimated_value\":\"$500k–$1M\",\"purchase_price\":\"$500k–$1M\",\"purchase_year\":2023}],\"vehicles\":[{\"vehicle_id\":\"VEH-001\",\"year\":2021,\"make\":\"Kia\",\"model\":\"Sorento\",\"estimated_value\":\"$10k–$50k\"},{\"vehicle_id\":\"VEH-002\",\"year\":2022,\"make\":\"Nissan\",\"model\":\"Altima\",\"estimated_value\":\"$10k–$50k\"}],\"other_assets\":[],\"hsa_accounts\":[{\"account_id\":\"HSA-001\",\"balance\":\"$10k–$50k\"}],\"education_accounts\":[{\"account_id\":\"EDU-001\",\"account_type\":\"529\",\"balance\":\"$1k–$10k\"}],\"alternative_investments\":[{\"asset_id\":\"ALT-001\",\"asset_type\":\"real_estate_crowdfunding\",\"estimated_value\":\"$10k–$50k\"}],\"total_assets\":\"$1M–$3M\"},\"liabilities\":{\"mortgage_loans\":[{\"loan_id\":\"MTG-001\",\"lender\":\"Heritage Bank Mortgage\",\"current_balance\":\"$250k–$500k\",\"balance\":\"$250k–$500k\",\"original_balance\":\"$500k–$1M\",\"monthly_payment\":\"$1k–$10k\",\"interest_rate\":0.0642,\"origination_year\":2023,\"term_years\":30}],\"credit_cards\":[{\"card_id\":\"CC-001\",\"issuer\":\"Heritage Trust\",\"card_name\":\"Cash Rewards\",\"current_balance\":\"$1k–$10k\",\"balance\":\"$1k–$10k\",\"credit_limit\":\"$10k–$50k\"}],\"student_loans\":[],\"auto_loans\":[],\"total_liabilities\":\"$250k–$500k\"},\"insurance\":{\"life_insurance\":[{\"policy_id\":\"LIF-001\",\"insured\":\"M-001\",\"policy_type\":\"term\",\"term_years\":20,\"death_benefit\":\"$500k–$1M\",\"cash_value\":\"<$1k\",\"annual_premium\":\"<$1k\",\"beneficiary\":\"M-002\",\"issue_year\":2023,\"carrier\":\"Heritage Indemnity Co.\"},{\"policy_id\":\"LIF-002\",\"insured\":\"M-002\",\"policy_type\":\"term\",\"term_years\":20,\"death_benefit\":\"$250k–$500k\",\"cash_value\":\"<$1k\",\"annual_premium\":\"<$1k\",\"beneficiary\":\"M-001\",\"issue_year\":2022,\"carrier\":\"Heritage Indemnity Co.\"}],\"disability_insurance\":[{\"policy_id\":\"DIS-001\",\"insured\":\"M-001\",\"policy_type\":\"long_term_disability\",\"monthly_benefit\":\"$1k–$10k\",\"benefit_period_years\":10,\"elimination_period_days\":90,\"own_occupation\":true,\"annual_premium\":\"$1k–$10k\",\"carrier\":\"Westwind Insurance\"},{\"policy_id\":\"DIS-002\",\"insured\":\"M-002\",\"policy_type\":\"long_term_disability\",\"monthly_benefit\":\"$1k–$10k\",\"benefit_period_years\":10,\"elimination_period_days\":90,\"own_occupation\":true,\"annual_premium\":\"$1k–$10k\",\"carrier\":\"Westwind Insurance\"}],\"health_insurance\":[{\"policy_id\":\"HLT-001\",\"plan_type\":\"hdhp\",\"insured_members\":[\"M-001\",\"M-002\",\"M-003\"],\"monthly_premium\":\"<$1k\",\"annual_deductible_individual\":\"$1k–$10k\",\"annual_deductible_family\":\"$1k–$10k\",\"out_of_pocket_max_family\":\"$1k–$10k\",\"hsa_eligible\":true,\"carrier\":\"Beacon Care Plans\"}],\"property_casualty\":[{\"policy_id\":\"REN-001\",\"policy_type\":\"renters\",\"liability_coverage\":\"$100k–$250k\",\"annual_premium\":\"<$1k\",\"carrier\":\"Cornerstone Casualty Group\",\"dwelling_coverage\":\"<$1k\",\"personal_property_coverage\":\"$50k–$100k\"},{\"policy_id\":\"AUT-001\",\"policy_type\":\"auto\",\"liability_coverage\":\"$250k–$500k\",\"annual_premium\":\"$1k–$10k\",\"carrier\":\"Liberty Crest Mutual\",\"vehicles_covered\":2,\"liability_limit\":\"100/300/100\",\"comprehensive_collision\":true}],\"umbrella_liability\":{\"coverage_amount\":\"$1M–$3M\",\"annual_premium\":\"<$1k\",\"carrier\":\"Cornerstone Casualty Group\"},\"ltc_insurance\":[]},\"tax_profile\":{\"filing_status\":\"married_filing_jointly\",\"federal_effective_rate\":0.154,\"agi_estimate\":\"$100k–$250k\",\"taxable_income_estimate\":\"$100k–$250k\",\"fica_employee_annual\":\"$10k–$50k\",\"remaining_401k_space\":\"<$1k\",\"remaining_ira_space\":\"<$1k\",\"remaining_hsa_space\":\"<$1k\"},\"net_worth\":{\"net_worth\":\"$1M–$3M\",\"total_assets\":\"$1M–$3M\",\"total_liabilities\":\"$250k–$500k\",\"liquid_net_worth\":\"$500k–$1M\",\"investable_assets\":\"$500k–$1M\"},\"credit_profile\":{\"fico_score\":733,\"fico_band\":\"good_670_739\",\"open_accounts\":4,\"oldest_account_years\":14,\"on_time_payment_pct\":99.3,\"derogatory_marks\":0,\"thin_file\":false,\"total_utilization_pct\":19.8,\"total_credit_limit\":\"$10k–$50k\"},\"goals\":[{\"goal_id\":\"G-001\",\"goal_type\":\"home_purchase\",\"priority\":\"critical\",\"target_amount\":\"$100k–$250k\",\"current_progress\":\"$100k–$250k\",\"target_date\":\"2030-06-01\",\"monthly_savings_needed\":0,\"current_monthly_savings\":537,\"on_track\":true,\"description\":\"home purchase goal — see numeric fields for current state.\",\"gap_analysis\":null},{\"goal_id\":\"G-002\",\"goal_type\":\"education_funding\",\"priority\":\"high\",\"target_amount\":\"$250k–$500k\",\"current_progress\":\"$1k–$10k\",\"target_date\":\"2034-09-01\",\"monthly_savings_needed\":\"$1k–$10k\",\"current_monthly_savings\":215,\"on_track\":false,\"description\":\"education funding goal — see numeric fields for current state.\",\"gap_analysis\":\"Currently saving $215/mo against required $3,030/mo (shortfall: $2,815/mo).\"},{\"goal_id\":\"G-003\",\"goal_type\":\"retirement\",\"priority\":\"critical\",\"target_amount\":\"$1M–$3M\",\"current_progress\":\"$250k–$500k\",\"target_date\":\"2055-01-01\",\"monthly_savings_needed\":450,\"current_monthly_savings\":\"$1k–$10k\",\"on_track\":true,\"description\":\"retirement goal — see numeric fields for current state.\",\"gap_analysis\":null}],\"behavioral_profile\":{\"risk_tolerance_score\":7,\"risk_tolerance_label\":\"moderate_aggressive\",\"risk_capacity_score\":9,\"savings_discipline\":\"fair\",\"financial_anxiety_score\":4,\"investment_style\":\"passive_index\",\"spending_style\":\"conspicuous\",\"debt_attitude\":\"pragmatic\",\"advisor_receptiveness\":\"neutral\",\"charitable_inclination\":\"occasional\",\"financial_planning_engagement\":\"annual_review\"},\"estate_profile\":{\"estimated_taxable_estate\":\"$1M–$3M\",\"federal_estate_tax_exposure\":false},\"longitudinal\":{\"monthly\":[{\"month\":\"2020-01\",\"month_index\":1,\"type\":\"historical\",\"net_worth\":\"$500k–$1M\",\"total_assets\":\"$1M–$3M\",\"total_liabilities\":\"$500k–$1M\",\"gross_income_month\":\"$1k–$10k\",\"net_income_month\":\"$1k–$10k\",\"total_expenses_month\":\"$1k–$10k\",\"savings_month\":59,\"savings_rate_pct\":0.88,\"cash_balance\":\"$100k–$250k\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":0,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"<$1k\",\"transportation\":\"<$1k\",\"healthcare\":\"<$1k\",\"childcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"<$1k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":\"$10k–$50k\",\"portfolio_return_pct\":3.039,\"life_event_flag\":null,\"stress_flag\":false,\"stress_description\":null},{\"month\":\"2020-02\",\"month_index\":2,\"type\":\"historical\",\"net_worth\":\"$500k–$1M\",\"total_assets\":\"$1M–$3M\",\"total_liabilities\":\"$500k–$1M\",\"gross_income_month\":\"$1k–$10k\",\"net_income_month\":\"$1k–$10k\",\"total_expenses_month\":\"$1k–$10k\",\"savings_month\":272,\"savings_rate_pct\":4.02,\"cash_balance\":\"$100k–$250k\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":0,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"<$1k\",\"transportation\":\"<$1k\",\"healthcare\":\"<$1k\",\"childcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"<$1k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":\"$10k–$50k\",\"portfolio_return_pct\":3.239,\"life_event_flag\":null,\"stress_flag\":false,\"stress_description\":null},{\"month\":\"2020-03\",\"month_index\":3,\"type\":\"historical\",\"net_worth\":\"$500k–$1M\",\"total_assets\":\"$1M–$3M\",\"total_liabilities\":\"$500k–$1M\",\"gross_income_month\":\"$1k–$10k\",\"net_income_month\":\"$1k–$10k\",\"total_expenses_month\":\"$1k–$10k\",\"savings_month\":83,\"savings_rate_pct\":1.23,\"cash_balance\":\"$100k–$250k\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":0,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"<$1k\",\"transportation\":\"<$1k\",\"healthcare\":\"<$1k\",\"childcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"<$1k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":\"negative\",\"portfolio_return_pct\":-2.219,\"life_event_flag\":null,\"stress_flag\":false,\"stress_description\":null},{\"month\":\"2020-04\",\"month_index\":4,\"type\":\"historical\",\"net_worth\":\"$500k–$1M\",\"total_assets\":\"$1M–$3M\",\"total_liabilities\":\"$500k–$1M\",\"gross_income_month\":\"$1k–$10k\",\"net_income_month\":\"$1k–$10k\",\"total_expenses_month\":\"$1k–$10k\",\"savings_month\":-240,\"savings_rate_pct\":-3.53,\"cash_balance\":\"$100k–$250k\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":0,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"<$1k\",\"transportation\":\"<$1k\",\"healthcare\":\"<$1k\",\"childcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"<$1k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":\"negative\",\"portfolio_return_pct\":-1.689,\"life_event_flag\":null,\"stress_flag\":false,\"stress_description\":null},{\"month\":\"2020-05\",\"month_index\":5,\"type\":\"historical\",\"net_worth\":\"$500k–$1M\",\"total_assets\":\"$1M–$3M\",\"total_liabilities\":\"$500k–$1M\",\"gross_income_month\":\"$1k–$10k\",\"net_income_month\":\"$1k–$10k\",\"total_expenses_month\":\"$1k–$10k\",\"savings_month\":108,\"savings_rate_pct\":1.58,\"cash_balance\":\"$100k–$250k\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":0,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"<$1k\",\"transportation\":\"<$1k\",\"healthcare\":\"<$1k\",\"childcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"<$1k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":\"$1k–$10k\",\"portfolio_return_pct\":2.021,\"life_event_flag\":null,\"stress_flag\":false,\"stress_description\":null},{\"month\":\"2020-06\",\"month_index\":6,\"type\":\"historical\",\"net_worth\":\"$500k–$1M\",\"total_assets\":\"$1M–$3M\",\"total_liabilities\":\"$500k–$1M\",\"gross_income_month\":\"$1k–$10k\",\"net_income_month\":\"$1k–$10k\",\"total_expenses_month\":\"$1k–$10k\",\"savings_month\":\"negative\",\"savings_rate_pct\":-27.72,\"cash_balance\":\"$100k–$250k\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":0,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"<$1k\",\"transportation\":\"<$1k\",\"healthcare\":\"<$1k\",\"childcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"<$1k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":\"$10k–$50k\",\"portfolio_return_pct\":4.565,\"life_event_flag\":null,\"stress_flag\":true,\"stress_description\":\"Income shock (job loss / business slowdown) coincident with market drawdown.\"},{\"month\":\"2020-07\",\"month_index\":7,\"type\":\"historical\",\"net_worth\":\"$500k–$1M\",\"total_assets\":\"$1M–$3M\",\"total_liabilities\":\"$500k–$1M\",\"gross_income_month\":\"$1k–$10k\",\"net_income_month\":\"$1k–$10k\",\"total_expenses_month\":\"$1k–$10k\",\"savings_month\":\"negative\",\"savings_rate_pct\":-29.95,\"cash_balance\":\"$100k–$250k\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":0,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"<$1k\",\"transportation\":\"<$1k\",\"healthcare\":\"<$1k\",\"childcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"<$1k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":\"negative\",\"portfolio_return_pct\":-8.784,\"life_event_flag\":null,\"stress_flag\":true,\"stress_description\":\"Income shock (job loss / business slowdown) coincident with market drawdown.\"},{\"month\":\"2020-08\",\"month_index\":8,\"type\":\"historical\",\"net_worth\":\"$500k–$1M\",\"total_assets\":\"$1M–$3M\",\"total_liabilities\":\"$500k–$1M\",\"gross_income_month\":\"$1k–$10k\",\"net_income_month\":\"$1k–$10k\",\"total_expenses_month\":\"$1k–$10k\",\"savings_month\":\"negative\",\"savings_rate_pct\":-27.27,\"cash_balance\":\"$100k–$250k\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":0,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"<$1k\",\"transportation\":\"<$1k\",\"healthcare\":\"<$1k\",\"childcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"<$1k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":\"negative\",\"portfolio_return_pct\":-1.777,\"life_event_flag\":null,\"stress_flag\":true,\"stress_description\":\"Income shock (job loss / business slowdown) coincident with market drawdown.\"},{\"month\":\"2020-09\",\"month_index\":9,\"type\":\"historical\",\"net_worth\":\"$500k–$1M\",\"total_assets\":\"$1M–$3M\",\"total_liabilities\":\"$500k–$1M\",\"gross_income_month\":\"$1k–$10k\",\"net_income_month\":\"$1k–$10k\",\"total_expenses_month\":\"$1k–$10k\",\"savings_month\":\"negative\",\"savings_rate_pct\":-22.16,\"cash_balance\":\"$100k–$250k\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":0,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"<$1k\",\"transportation\":\"<$1k\",\"healthcare\":\"<$1k\",\"childcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"<$1k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":\"$10k–$50k\",\"portfolio_return_pct\":2.633,\"life_event_flag\":null,\"stress_flag\":true,\"stress_description\":\"Income shock (job loss / business slowdown) coincident with market drawdown.\"},{\"month\":\"2020-10\",\"month_index\":10,\"type\":\"historical\",\"net_worth\":\"$500k–$1M\",\"total_assets\":\"$1M–$3M\",\"total_liabilities\":\"$500k–$1M\",\"gross_income_month\":\"$1k–$10k\",\"net_income_month\":\"$1k–$10k\",\"total_expenses_month\":\"$1k–$10k\",\"savings_month\":\"negative\",\"savings_rate_pct\":-21.94,\"cash_balance\":\"$100k–$250k\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":0,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"<$1k\",\"transportation\":\"<$1k\",\"healthcare\":\"<$1k\",\"childcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"<$1k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":\"negative\",\"portfolio_return_pct\":-5.444,\"life_event_flag\":null,\"stress_flag\":true,\"stress_description\":\"Income shock (job loss / business slowdown) coincident with market drawdown.\"},{\"month\":\"2020-11\",\"month_index\":11,\"type\":\"historical\",\"net_worth\":\"$500k–$1M\",\"total_assets\":\"$1M–$3M\",\"total_liabilities\":\"$500k–$1M\",\"gross_income_month\":\"$1k–$10k\",\"net_income_month\":\"$1k–$10k\",\"total_expenses_month\":\"$1k–$10k\",\"savings_month\":-924,\"savings_rate_pct\":-14.69,\"cash_balance\":\"$100k–$250k\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":0,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"<$1k\",\"transportation\":\"<$1k\",\"healthcare\":\"<$1k\",\"childcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"<$1k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":\"negative\",\"portfolio_return_pct\":-7.137,\"life_event_flag\":null,\"stress_flag\":true,\"stress_description\":\"Recovering from income shock; partial earnings restoration.\"},{\"month\":\"2020-12\",\"month_index\":12,\"type\":\"historical\",\"net_worth\":\"$250k–$500k\",\"total_assets\":\"$1M–$3M\",\"total_liabilities\":\"$500k–$1M\",\"gross_income_month\":\"$1k–$10k\",\"net_income_month\":\"$1k–$10k\",\"total_expenses_month\":\"$1k–$10k\",\"savings_month\":\"negative\",\"savings_rate_pct\":-22.05,\"cash_balance\":\"$100k–$250k\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":0,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"<$1k\",\"transportation\":\"<$1k\",\"healthcare\":\"<$1k\",\"childcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"<$1k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":\"negative\",\"portfolio_return_pct\":-6.155,\"life_event_flag\":null,\"stress_flag\":true,\"stress_description\":\"Recovering from income shock; partial earnings restoration.\"}],\"methodology\":{\"cmaVersion\":\"vanguard-cmm-2025\",\"cmaSource\":\"Vanguard 2025 Economic and Market Outlook (December 2024) — midpoints of published 10-year nominal expected return ranges.\",\"allocation\":{\"us_equity\":0.45399999999999996,\"intl_developed\":0.237,\"em_equity\":0.07900000000000001,\"us_agg_bonds\":0.11599999999999998,\"tips\":0.026999999999999993,\"high_yield\":0.026999999999999993,\"cash\":\"<$1k\",\"reit\":0.03,\"commodities\":0,\"private_equity\":0,\"hedge_funds\":0},\"allocationSummary\":{\"equityTotal\":\"<$1k\",\"bondsTotal\":\"<$1k\",\"cashTotal\":\"<$1k\",\"realAssetsTotal\":\"<$1k\",\"privateMarketsTotal\":\"<$1k\"},\"baseEquityShare\":0.79,\"riskTolerance\":\"moderate\",\"wealthTier\":\"mass_affluent\",\"inferredAge\":36,\"seed\":{\"string\":\"A-01|1|vanguard-cmm-2025\",\"uint32\":\"$30M+\"},\"realizedCagr\":0.0719,\"maxDrawdown\":0.2998,\"drawdownPeakMonth\":6,\"drawdownTroughMonth\":21,\"stressConditioned\":true,\"redrawCount\":1,\"inflationAnnualMean\":0.023,\"incomeGrowthAnnual\":\"<$1k\"},\"_truncated\":\"first 12 of 96 monthly snapshots (full trajectory + projections in the licensed corpus)\"},\"derived_ratios\":{\"emergency_fund_months\":29.7,\"fire_number\":\"$1M–$3M\",\"fire_progress_pct\":34.13,\"financial_independence_ratio\":0.29,\"debt_to_asset_ratio\":0.01,\"effective_tax_rate\":27.3,\"retirement_readiness_score\":60,\"overall_financial_health_score\":83.1,\"fico_min_96m\":709,\"fico_max_96m\":739,\"fico_current\":733,\"fico_projected_36m\":739},\"_sample\":{\"insufficient_for_production\":true,\"license\":\"evaluation-only\",\"redactions\":\"names/employer/metro/PII removed; dollar amounts banded; trajectory truncated\",\"full_set_url\":\"https://www.wealthschema.com/datasets\",\"note\":\"Shape and fidelity preview. The full validated corpus (96-month trajectories, exact figures, Monte-Carlo projections) is a one-time purchase.\"}}"} |
| {"archetype_id":"H-01","archetype_name":"Affluent Investor ($1M–$3M)","life_stage":"accumulation_peak","wealth_tier":"affluent","household_type":"married_couple","state_of_residence":"GA","num_members":4,"num_dependents":2,"gross_income_band":"$250k–$500k","schema_version":"v3.0.0","sample_policy":"A small free sample: 8 deliberately insufficient households (one per life stage plus one high-net-worth). PII removed, dollar amounts banded, 96-month trajectory truncated to 12 months, forward projections withheld. Evaluation-only. The full corpus (1,451 households across 71 archetypes, exact figures) is a one-time purchase.","household_json":"{\"_meta\":{\"schema_version\":\"v3.0.0\",\"archetype_id\":\"H-01\",\"archetype_name\":\"Affluent Investor ($1M–$3M)\",\"seed\":1,\"is_stress_case\":true,\"generation_method\":\"deterministic\",\"narrative_fields_populated\":false,\"longitudinal_months\":96,\"deterministic_sections_populated\":true,\"reference_data_version\":\"v2.0.0\"},\"archetype_id\":\"H-01\",\"archetype_name\":\"Affluent Investor 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LLP\",\"is_primary\":false}],\"expenses_monthly\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"$1k–$10k\",\"dining_out\":\"$1k–$10k\",\"transportation\":\"$1k–$10k\",\"healthcare\":\"<$1k\",\"childcare\":\"<$1k\",\"eldercare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"$1k–$10k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"tithing\":\"<$1k\",\"remittances\":\"<$1k\",\"bnpl_payments\":\"<$1k\",\"credit_card_minimum\":\"<$1k\",\"other_debt_payments\":\"<$1k\",\"other\":\"<$1k\",\"total\":\"$10k–$50k\"},\"savings_rate_pct\":36.2,\"dti_ratio\":0.061,\"monthly_surplus_deficit\":\"$1k–$10k\",\"savings_investments_monthly\":\"$1k–$10k\",\"income_type\":\"w2\"},\"assets\":{\"checking_accounts\":[{\"account_id\":\"CHK-001\",\"account_type\":\"joint_checking\",\"institution\":\"Sterling Wealth Bank\",\"balance\":\"$50k–$100k\"}],\"savings_accounts\":[{\"account_id\":\"SAV-001\",\"account_type\":\"high_yield_savings\",\"institution\":\"Sterling Wealth Bank\",\"balance\":\"$250k–$500k\"}],\"brokerage_accounts\":[{\"account_id\":\"BRK-001\",\"account_type\":\"individual_taxable\",\"institution\":\"Sterling Capital Markets\",\"balance\":\"$500k–$1M\"}],\"retirement_accounts\":[{\"account_id\":\"RET-001\",\"account_type\":\"401k_traditional\",\"owner\":\"M-001\",\"balance\":\"$500k–$1M\",\"institution\":\"Apex Retirement Partners\"},{\"account_id\":\"RET-002\",\"account_type\":\"traditional_ira\",\"owner\":\"M-001\",\"balance\":\"$50k–$100k\",\"institution\":\"Sterling Capital Markets\"},{\"account_id\":\"RET-003\",\"account_type\":\"roth_ira\",\"owner\":\"M-001\",\"balance\":\"$10k–$50k\",\"institution\":\"Sterling Capital Markets\"},{\"account_id\":\"RET-004\",\"account_type\":\"401k_traditional\",\"owner\":\"M-002\",\"balance\":\"$250k–$500k\",\"institution\":\"Apex Retirement Partners\"},{\"account_id\":\"RET-005\",\"account_type\":\"traditional_ira\",\"owner\":\"M-002\",\"balance\":\"$50k–$100k\",\"institution\":\"Sterling Capital Markets\"},{\"account_id\":\"RET-006\",\"account_type\":\"roth_ira\",\"owner\":\"M-002\",\"balance\":\"$10k–$50k\",\"institution\":\"Sterling Capital Markets\"}],\"real_estate\":[{\"property_id\":\"RE-001\",\"property_type\":\"primary_residence\",\"estimated_value\":\"$500k–$1M\",\"purchase_price\":\"$500k–$1M\",\"purchase_year\":2016}],\"vehicles\":[{\"vehicle_id\":\"VEH-001\",\"year\":2020,\"make\":\"Nissan\",\"model\":\"Altima\",\"estimated_value\":\"$10k–$50k\"},{\"vehicle_id\":\"VEH-002\",\"year\":2021,\"make\":\"Honda\",\"model\":\"Accord\",\"estimated_value\":\"$10k–$50k\"}],\"other_assets\":[],\"hsa_accounts\":[{\"account_id\":\"HSA-001\",\"balance\":\"$50k–$100k\"}],\"education_accounts\":[{\"account_id\":\"EDU-001\",\"account_type\":\"529\",\"balance\":\"$10k–$50k\"}],\"alternative_investments\":[{\"asset_id\":\"ALT-001\",\"asset_type\":\"real_estate_crowdfunding\",\"estimated_value\":\"$100k–$250k\"}],\"total_assets\":\"$3M–$10M\"},\"liabilities\":{\"mortgage_loans\":[{\"loan_id\":\"MTG-001\",\"lender\":\"Northbrook Home Mortgage\",\"current_balance\":\"$250k–$500k\",\"balance\":\"$250k–$500k\",\"original_balance\":\"$250k–$500k\",\"monthly_payment\":\"$1k–$10k\",\"interest_rate\":0.04,\"origination_year\":2016,\"term_years\":30}],\"credit_cards\":[{\"card_id\":\"CC-001\",\"issuer\":\"Apex Online\",\"card_name\":\"Venture Travel\",\"current_balance\":\"$10k–$50k\",\"balance\":\"$10k–$50k\",\"credit_limit\":\"$100k–$250k\"}],\"student_loans\":[],\"auto_loans\":[],\"total_liabilities\":\"$250k–$500k\"},\"insurance\":{\"life_insurance\":[{\"policy_id\":\"LIF-001\",\"insured\":\"M-001\",\"policy_type\":\"term\",\"term_years\":20,\"death_benefit\":\"$1M–$3M\",\"cash_value\":\"<$1k\",\"annual_premium\":\"$1k–$10k\",\"beneficiary\":\"M-002\",\"issue_year\":2022,\"carrier\":\"Liberty Crest Mutual\"},{\"policy_id\":\"LIF-002\",\"insured\":\"M-002\",\"policy_type\":\"term\",\"term_years\":20,\"death_benefit\":\"$1M–$3M\",\"cash_value\":\"<$1k\",\"annual_premium\":\"$1k–$10k\",\"beneficiary\":\"M-001\",\"issue_year\":2022,\"carrier\":\"Liberty Crest Mutual\"}],\"disability_insurance\":[{\"policy_id\":\"DIS-001\",\"insured\":\"M-001\",\"policy_type\":\"long_term_disability\",\"monthly_benefit\":\"$10k–$50k\",\"benefit_period_years\":10,\"elimination_period_days\":90,\"own_occupation\":true,\"annual_premium\":\"$1k–$10k\",\"carrier\":\"Heritage Indemnity Co.\"},{\"policy_id\":\"DIS-002\",\"insured\":\"M-002\",\"policy_type\":\"long_term_disability\",\"monthly_benefit\":\"$1k–$10k\",\"benefit_period_years\":10,\"elimination_period_days\":90,\"own_occupation\":true,\"annual_premium\":\"$1k–$10k\",\"carrier\":\"Heritage Indemnity Co.\"}],\"health_insurance\":[{\"policy_id\":\"HLT-001\",\"plan_type\":\"hdhp\",\"insured_members\":[\"M-001\",\"M-002\",\"M-003\",\"M-004\"],\"monthly_premium\":\"<$1k\",\"annual_deductible_individual\":\"$1k–$10k\",\"annual_deductible_family\":\"$1k–$10k\",\"out_of_pocket_max_family\":\"$1k–$10k\",\"hsa_eligible\":true,\"carrier\":\"Vista Health Plans\"}],\"property_casualty\":[{\"policy_id\":\"HOM-001\",\"policy_type\":\"homeowners\",\"liability_coverage\":\"$250k–$500k\",\"annual_premium\":\"$1k–$10k\",\"carrier\":\"Coastal Standard Insurance\",\"dwelling_coverage\":\"$500k–$1M\",\"personal_property_coverage\":\"$250k–$500k\"},{\"policy_id\":\"AUT-001\",\"policy_type\":\"auto\",\"liability_coverage\":\"$250k–$500k\",\"annual_premium\":\"$1k–$10k\",\"carrier\":\"Cornerstone Casualty Group\",\"vehicles_covered\":2,\"liability_limit\":\"100/300/100\",\"comprehensive_collision\":true}],\"umbrella_liability\":{\"coverage_amount\":\"$1M–$3M\",\"annual_premium\":\"<$1k\",\"carrier\":\"Coastal Standard Insurance\"},\"ltc_insurance\":[]},\"tax_profile\":{\"filing_status\":\"married_filing_jointly\",\"federal_effective_rate\":0.154,\"agi_estimate\":\"$250k–$500k\",\"taxable_income_estimate\":\"$250k–$500k\",\"fica_employee_annual\":\"$10k–$50k\",\"remaining_401k_space\":\"<$1k\",\"remaining_ira_space\":\"<$1k\",\"remaining_hsa_space\":\"<$1k\"},\"net_worth\":{\"net_worth\":\"$3M–$10M\",\"total_assets\":\"$3M–$10M\",\"total_liabilities\":\"$250k–$500k\",\"liquid_net_worth\":\"$1M–$3M\",\"investable_assets\":\"$1M–$3M\"},\"credit_profile\":{\"fico_score\":786,\"fico_band\":\"very_good_740_799\",\"open_accounts\":10,\"oldest_account_years\":26,\"on_time_payment_pct\":99.9,\"derogatory_marks\":0,\"thin_file\":false,\"total_utilization_pct\":11.6,\"total_credit_limit\":\"$100k–$250k\"},\"goals\":[{\"goal_id\":\"G-001\",\"goal_type\":\"retirement\",\"priority\":\"critical\",\"target_amount\":\"$3M–$10M\",\"current_progress\":\"$1M–$3M\",\"target_date\":\"2043-01-01\",\"monthly_savings_needed\":\"$10k–$50k\",\"current_monthly_savings\":\"$1k–$10k\",\"on_track\":false,\"description\":\"retirement goal — see numeric fields for current state.\",\"gap_analysis\":\"Currently saving $5,333/mo against required $12,058/mo (shortfall: $6,725/mo).\"},{\"goal_id\":\"G-002\",\"goal_type\":\"education_funding\",\"priority\":\"high\",\"target_amount\":\"$500k–$1M\",\"current_progress\":\"$10k–$50k\",\"target_date\":\"2035-09-01\",\"monthly_savings_needed\":\"$1k–$10k\",\"current_monthly_savings\":889,\"on_track\":false,\"description\":\"education funding goal — see numeric fields for current state.\",\"gap_analysis\":\"Currently saving $889/mo against required $5,327/mo (shortfall: $4,438/mo).\"}],\"behavioral_profile\":{\"risk_tolerance_score\":7,\"risk_tolerance_label\":\"moderate_aggressive\",\"risk_capacity_score\":9,\"savings_discipline\":\"fair\",\"financial_anxiety_score\":4,\"investment_style\":\"passive_index\",\"spending_style\":\"conspicuous\",\"debt_attitude\":\"pragmatic\",\"advisor_receptiveness\":\"highly_receptive\",\"charitable_inclination\":\"occasional\",\"financial_planning_engagement\":\"proactive\"},\"estate_profile\":{\"estimated_taxable_estate\":\"$3M–$10M\",\"federal_estate_tax_exposure\":false},\"longitudinal\":{\"monthly\":[{\"month\":\"2020-01\",\"month_index\":1,\"type\":\"historical\",\"net_worth\":\"$1M–$3M\",\"total_assets\":\"$3M–$10M\",\"total_liabilities\":\"$250k–$500k\",\"gross_income_month\":\"$10k–$50k\",\"net_income_month\":\"$10k–$50k\",\"total_expenses_month\":\"$10k–$50k\",\"savings_month\":\"$1k–$10k\",\"savings_rate_pct\":35.58,\"cash_balance\":\"$250k–$500k\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":0,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"$1k–$10k\",\"dining_out\":\"<$1k\",\"transportation\":\"$1k–$10k\",\"healthcare\":\"<$1k\",\"childcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"$1k–$10k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":\"$50k–$100k\",\"portfolio_return_pct\":3.538,\"life_event_flag\":null,\"stress_flag\":false,\"stress_description\":null},{\"month\":\"2020-02\",\"month_index\":2,\"type\":\"historical\",\"net_worth\":\"$1M–$3M\",\"total_assets\":\"$3M–$10M\",\"total_liabilities\":\"$250k–$500k\",\"gross_income_month\":\"$10k–$50k\",\"net_income_month\":\"$10k–$50k\",\"total_expenses_month\":\"$10k–$50k\",\"savings_month\":\"$1k–$10k\",\"savings_rate_pct\":37.52,\"cash_balance\":\"$250k–$500k\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":0,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"$1k–$10k\",\"dining_out\":\"<$1k\",\"transportation\":\"$1k–$10k\",\"healthcare\":\"<$1k\",\"childcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"$1k–$10k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":\"$100k–$250k\",\"portfolio_return_pct\":7.271,\"life_event_flag\":null,\"stress_flag\":false,\"stress_description\":null},{\"month\":\"2020-03\",\"month_index\":3,\"type\":\"historical\",\"net_worth\":\"$1M–$3M\",\"total_assets\":\"$3M–$10M\",\"total_liabilities\":\"$250k–$500k\",\"gross_income_month\":\"$10k–$50k\",\"net_income_month\":\"$10k–$50k\",\"total_expenses_month\":\"$10k–$50k\",\"savings_month\":\"$1k–$10k\",\"savings_rate_pct\":35.6,\"cash_balance\":\"$250k–$500k\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":0,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"$1k–$10k\",\"dining_out\":\"<$1k\",\"transportation\":\"$1k–$10k\",\"healthcare\":\"<$1k\",\"childcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"$1k–$10k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":\"$10k–$50k\",\"portfolio_return_pct\":1.283,\"life_event_flag\":null,\"stress_flag\":false,\"stress_description\":null},{\"month\":\"2020-04\",\"month_index\":4,\"type\":\"historical\",\"net_worth\":\"$3M–$10M\",\"total_assets\":\"$3M–$10M\",\"total_liabilities\":\"$250k–$500k\",\"gross_income_month\":\"$10k–$50k\",\"net_income_month\":\"$10k–$50k\",\"total_expenses_month\":\"$10k–$50k\",\"savings_month\":\"$1k–$10k\",\"savings_rate_pct\":32.39,\"cash_balance\":\"$250k–$500k\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":0,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"$1k–$10k\",\"dining_out\":\"$1k–$10k\",\"transportation\":\"$1k–$10k\",\"healthcare\":\"<$1k\",\"childcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"$1k–$10k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":\"$100k–$250k\",\"portfolio_return_pct\":8.386,\"life_event_flag\":null,\"stress_flag\":false,\"stress_description\":null},{\"month\":\"2020-05\",\"month_index\":5,\"type\":\"historical\",\"net_worth\":\"$3M–$10M\",\"total_assets\":\"$3M–$10M\",\"total_liabilities\":\"$250k–$500k\",\"gross_income_month\":\"$10k–$50k\",\"net_income_month\":\"$10k–$50k\",\"total_expenses_month\":\"$10k–$50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2025 Economic and Market Outlook (December 2024) — midpoints of published 10-year nominal expected return ranges.\",\"allocation\":{\"us_equity\":0.362,\"intl_developed\":0.20099999999999996,\"em_equity\":0.06699999999999999,\"us_agg_bonds\":0.1799999999999999,\"tips\":0.044999999999999984,\"high_yield\":0.044999999999999984,\"cash\":\"<$1k\",\"reit\":0.04999999999999999,\"commodities\":0.019999999999999997,\"private_equity\":0,\"hedge_funds\":0},\"allocationSummary\":{\"equityTotal\":\"<$1k\",\"bondsTotal\":\"<$1k\",\"cashTotal\":\"<$1k\",\"realAssetsTotal\":\"<$1k\",\"privateMarketsTotal\":\"<$1k\"},\"baseEquityShare\":0.67,\"riskTolerance\":\"moderate\",\"wealthTier\":\"affluent\",\"inferredAge\":48,\"seed\":{\"string\":\"H-01|1|vanguard-cmm-2025\",\"uint32\":\"$30M+\"},\"realizedCagr\":0.0353,\"maxDrawdown\":0.3265,\"drawdownPeakMonth\":13,\"drawdownTroughMonth\":47,\"stressConditioned\":true,\"redrawCount\":6,\"inflationAnnualMean\":0.023,\"incomeGrowthAnnual\":\"<$1k\"},\"_truncated\":\"first 12 of 96 monthly snapshots (full trajectory + projections in the licensed corpus)\"},\"derived_ratios\":{\"emergency_fund_months\":21,\"fire_number\":\"$3M–$10M\",\"fire_progress_pct\":41.11,\"financial_independence_ratio\":0.4,\"debt_to_asset_ratio\":0.11,\"effective_tax_rate\":27.3,\"retirement_readiness_score\":40,\"overall_financial_health_score\":87.7,\"fico_min_96m\":763,\"fico_max_96m\":792,\"fico_current\":786,\"fico_projected_36m\":792},\"_sample\":{\"insufficient_for_production\":true,\"license\":\"evaluation-only\",\"redactions\":\"names/employer/metro/PII removed; dollar amounts banded; trajectory truncated\",\"full_set_url\":\"https://www.wealthschema.com/datasets\",\"note\":\"Shape and fidelity preview. The full validated corpus (96-month trajectories, exact figures, Monte-Carlo projections) is a one-time purchase.\"}}"} |
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The full corpus (1,451 households across 71 archetypes, exact figures) is a one-time purchase.","household_json":"{\"_meta\":{\"schema_version\":\"v3.0.0\",\"archetype_id\":\"H-02\",\"archetype_name\":\"High Net Worth ($3M–$10M)\",\"seed\":1,\"is_stress_case\":true,\"generation_method\":\"deterministic\",\"narrative_fields_populated\":false,\"longitudinal_months\":96,\"deterministic_sections_populated\":true,\"reference_data_version\":\"v2.0.0\"},\"archetype_id\":\"H-02\",\"archetype_name\":\"High Net Worth 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Bank\",\"balance\":\"$100k–$250k\"}],\"savings_accounts\":[{\"account_id\":\"SAV-001\",\"account_type\":\"high_yield_savings\",\"institution\":\"Cornerstone Heritage Bank\",\"balance\":\"$500k–$1M\"}],\"brokerage_accounts\":[{\"account_id\":\"BRK-001\",\"account_type\":\"individual_taxable\",\"institution\":\"Meridian Securities\",\"balance\":\"$3M–$10M\"}],\"retirement_accounts\":[{\"account_id\":\"RET-001\",\"account_type\":\"401k_traditional\",\"owner\":\"M-001\",\"balance\":\"$1M–$3M\",\"institution\":\"Beacon Workplace Solutions\"},{\"account_id\":\"RET-002\",\"account_type\":\"traditional_ira\",\"owner\":\"M-001\",\"balance\":\"$100k–$250k\",\"institution\":\"Meridian Securities\"},{\"account_id\":\"RET-003\",\"account_type\":\"roth_ira\",\"owner\":\"M-001\",\"balance\":\"$50k–$100k\",\"institution\":\"Meridian Securities\"},{\"account_id\":\"RET-004\",\"account_type\":\"401k_traditional\",\"owner\":\"M-002\",\"balance\":\"$500k–$1M\",\"institution\":\"Beacon Workplace Solutions\"},{\"account_id\":\"RET-005\",\"account_type\":\"traditional_ira\",\"owner\":\"M-002\",\"balance\":\"$100k–$250k\",\"institution\":\"Meridian Securities\"},{\"account_id\":\"RET-006\",\"account_type\":\"roth_ira\",\"owner\":\"M-002\",\"balance\":\"$50k–$100k\",\"institution\":\"Meridian Securities\"}],\"real_estate\":[{\"property_id\":\"RE-001\",\"property_type\":\"primary_residence\",\"estimated_value\":\"$1M–$3M\",\"purchase_price\":\"$1M–$3M\",\"purchase_year\":2023}],\"vehicles\":[{\"vehicle_id\":\"VEH-001\",\"year\":2022,\"make\":\"Honda\",\"model\":\"CR-V\",\"estimated_value\":\"$10k–$50k\"},{\"vehicle_id\":\"VEH-002\",\"year\":2023,\"make\":\"Mazda\",\"model\":\"CX-5\",\"estimated_value\":\"$10k–$50k\"}],\"other_assets\":[],\"hsa_accounts\":[{\"account_id\":\"HSA-001\",\"balance\":\"$100k–$250k\"}],\"education_accounts\":[],\"alternative_investments\":[{\"asset_id\":\"ALT-001\",\"asset_type\":\"real_estate_crowdfunding\",\"estimated_value\":\"$1M–$3M\"}],\"total_assets\":\"$10M–$30M\"},\"liabilities\":{\"mortgage_loans\":[{\"loan_id\":\"MTG-001\",\"lender\":\"Pinnacle Residential Mortgage\",\"current_balance\":\"$1M–$3M\",\"balance\":\"$1M–$3M\",\"original_balance\":\"$1M–$3M\",\"monthly_payment\":\"$10k–$50k\",\"interest_rate\":0.066,\"origination_year\":2023,\"term_years\":30}],\"credit_cards\":[{\"card_id\":\"CC-001\",\"issuer\":\"Heritage Trust\",\"card_name\":\"Cash Rewards\",\"current_balance\":\"$1k–$10k\",\"balance\":\"$1k–$10k\",\"credit_limit\":\"$100k–$250k\"}],\"student_loans\":[{\"loan_id\":\"SL-001\",\"servicer\":\"Heritage Student Aid Servicing\",\"current_balance\":\"$1k–$10k\",\"balance\":\"$1k–$10k\",\"monthly_payment\":\"<$1k\",\"interest_rate\":0.072}],\"auto_loans\":[],\"total_liabilities\":\"$1M–$3M\"},\"insurance\":{\"life_insurance\":[{\"policy_id\":\"LIF-001\",\"insured\":\"M-001\",\"policy_type\":\"term\",\"term_years\":20,\"death_benefit\":\"$1M–$3M\",\"cash_value\":\"<$1k\",\"annual_premium\":\"$10k–$50k\",\"beneficiary\":\"M-002\",\"issue_year\":2021,\"carrier\":\"Beacon Travelers Group\"},{\"policy_id\":\"LIF-002\",\"insured\":\"M-002\",\"policy_type\":\"term\",\"term_years\":20,\"death_benefit\":\"$1M–$3M\",\"cash_value\":\"<$1k\",\"annual_premium\":\"$1k–$10k\",\"beneficiary\":\"M-001\",\"issue_year\":2021,\"carrier\":\"Beacon Travelers Group\"}],\"disability_insurance\":[{\"policy_id\":\"DIS-001\",\"insured\":\"M-001\",\"policy_type\":\"long_term_disability\",\"monthly_benefit\":\"$10k–$50k\",\"benefit_period_years\":10,\"elimination_period_days\":90,\"own_occupation\":true,\"annual_premium\":\"$1k–$10k\",\"carrier\":\"Pinnacle Mutual Assurance\"},{\"policy_id\":\"DIS-002\",\"insured\":\"M-002\",\"policy_type\":\"long_term_disability\",\"monthly_benefit\":\"$1k–$10k\",\"benefit_period_years\":10,\"elimination_period_days\":90,\"own_occupation\":true,\"annual_premium\":\"$1k–$10k\",\"carrier\":\"Pinnacle Mutual Assurance\"}],\"health_insurance\":[{\"policy_id\":\"HLT-001\",\"plan_type\":\"hdhp\",\"insured_members\":[\"M-001\",\"M-002\"],\"monthly_premium\":\"<$1k\",\"annual_deductible_individual\":\"$1k–$10k\",\"annual_deductible_family\":\"$1k–$10k\",\"out_of_pocket_max_family\":\"$1k–$10k\",\"hsa_eligible\":true,\"carrier\":\"Beacon Care Plans\"}],\"property_casualty\":[{\"policy_id\":\"HOM-001\",\"policy_type\":\"homeowners\",\"liability_coverage\":\"$250k–$500k\",\"annual_premium\":\"$1k–$10k\",\"carrier\":\"Heritage Indemnity Co.\",\"dwelling_coverage\":\"$1M–$3M\",\"personal_property_coverage\":\"$1M–$3M\"},{\"policy_id\":\"AUT-001\",\"policy_type\":\"auto\",\"liability_coverage\":\"$250k–$500k\",\"annual_premium\":\"$1k–$10k\",\"carrier\":\"Westwind Insurance\",\"vehicles_covered\":2,\"liability_limit\":\"100/300/100\",\"comprehensive_collision\":true}],\"umbrella_liability\":{\"coverage_amount\":\"$3M–$10M\",\"annual_premium\":\"$1k–$10k\",\"carrier\":\"Heritage Indemnity Co.\"},\"ltc_insurance\":[]},\"tax_profile\":{\"filing_status\":\"married_filing_jointly\",\"federal_effective_rate\":0.154,\"agi_estimate\":\"$250k–$500k\",\"taxable_income_estimate\":\"$250k–$500k\",\"fica_employee_annual\":\"$10k–$50k\",\"remaining_401k_space\":\"<$1k\",\"remaining_ira_space\":\"<$1k\",\"remaining_hsa_space\":\"<$1k\"},\"net_worth\":{\"net_worth\":\"$10M–$30M\",\"total_assets\":\"$10M–$30M\",\"total_liabilities\":\"$1M–$3M\",\"liquid_net_worth\":\"$3M–$10M\",\"investable_assets\":\"$3M–$10M\"},\"credit_profile\":{\"fico_score\":770,\"fico_band\":\"very_good_740_799\",\"open_accounts\":12,\"oldest_account_years\":40,\"on_time_payment_pct\":99.2,\"derogatory_marks\":0,\"thin_file\":false,\"total_utilization_pct\":5.9,\"total_credit_limit\":\"$100k–$250k\"},\"goals\":[{\"goal_id\":\"G-001\",\"goal_type\":\"retirement\",\"priority\":\"critical\",\"target_amount\":\"$3M–$10M\",\"current_progress\":\"$1M–$3M\",\"target_date\":\"2027-01-01\",\"monthly_savings_needed\":\"$250k–$500k\",\"current_monthly_savings\":\"$1k–$10k\",\"on_track\":false,\"description\":\"retirement goal — see numeric fields for current state.\",\"gap_analysis\":\"Currently saving $7,526/mo against required $404,071/mo (shortfall: $396,545/mo).\"},{\"goal_id\":\"G-002\",\"goal_type\":\"debt_payoff\",\"priority\":\"medium\",\"target_amount\":\"$1k–$10k\",\"current_progress\":\"$1k–$10k\",\"target_date\":\"2034-06-01\",\"monthly_savings_needed\":59,\"current_monthly_savings\":59,\"on_track\":true,\"description\":\"debt payoff goal — see numeric fields for current state.\",\"gap_analysis\":null}],\"behavioral_profile\":{\"risk_tolerance_score\":6,\"risk_tolerance_label\":\"moderate\",\"risk_capacity_score\":4,\"savings_discipline\":\"fair\",\"financial_anxiety_score\":6,\"investment_style\":\"factor_tilt\",\"spending_style\":\"conspicuous\",\"debt_attitude\":\"debt_comfortable\",\"advisor_receptiveness\":\"highly_receptive\",\"charitable_inclination\":\"occasional\",\"financial_planning_engagement\":\"highly_engaged\"},\"estate_profile\":{\"estimated_taxable_estate\":\"$10M–$30M\",\"federal_estate_tax_exposure\":false},\"longitudinal\":{\"monthly\":[{\"month\":\"2020-01\",\"month_index\":1,\"type\":\"historical\",\"net_worth\":\"$3M–$10M\",\"total_assets\":\"$10M–$30M\",\"total_liabilities\":\"$1M–$3M\",\"gross_income_month\":\"$10k–$50k\",\"net_income_month\":\"$10k–$50k\",\"total_expenses_month\":\"$10k–$50k\",\"savings_month\":\"$1k–$10k\",\"savings_rate_pct\":38.42,\"cash_balance\":\"$500k–$1M\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":0.21,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"<$1k\",\"transportation\":\"<$1k\",\"healthcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"$1k–$10k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"other_debt_payments\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":\"$50k–$100k\",\"portfolio_return_pct\":0.789,\"life_event_flag\":null,\"stress_flag\":false,\"stress_description\":null},{\"month\":\"2020-02\",\"month_index\":2,\"type\":\"historical\",\"net_worth\":\"$3M–$10M\",\"total_assets\":\"$10M–$30M\",\"total_liabilities\":\"$1M–$3M\",\"gross_income_month\":\"$10k–$50k\",\"net_income_month\":\"$10k–$50k\",\"total_expenses_month\":\"$10k–$50k\",\"savings_month\":\"$1k–$10k\",\"savings_rate_pct\":40.28,\"cash_balance\":\"$500k–$1M\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":0.21,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"<$1k\",\"transportation\":\"<$1k\",\"healthcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"$1k–$10k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"other_debt_payments\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":\"negative\",\"portfolio_return_pct\":-1.195,\"life_event_flag\":null,\"stress_flag\":false,\"stress_description\":null},{\"month\":\"2020-03\",\"month_index\":3,\"type\":\"historical\",\"net_worth\":\"$3M–$10M\",\"total_assets\":\"$10M–$30M\",\"total_liabilities\":\"$1M–$3M\",\"gross_income_month\":\"$10k–$50k\",\"net_income_month\":\"$10k–$50k\",\"total_expenses_month\":\"$10k–$50k\",\"savings_month\":\"$1k–$10k\",\"savings_rate_pct\":38.44,\"cash_balance\":\"$500k–$1M\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":0.21,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"<$1k\",\"transportation\":\"<$1k\",\"healthcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"$1k–$10k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"other_debt_payments\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":\"$50k–$100k\",\"portfolio_return_pct\":0.666,\"life_event_flag\":null,\"stress_flag\":false,\"stress_description\":null},{\"month\":\"2020-04\",\"month_index\":4,\"type\":\"historical\",\"net_worth\":\"$3M–$10M\",\"total_assets\":\"$10M–$30M\",\"total_liabilities\":\"$1M–$3M\",\"gross_income_month\":\"$10k–$50k\",\"net_income_month\":\"$10k–$50k\",\"total_expenses_month\":\"$10k–$50k\",\"savings_month\":\"$1k–$10k\",\"savings_rate_pct\":35.37,\"cash_balance\":\"$500k–$1M\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":0.21,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"<$1k\",\"transportation\":\"<$1k\",\"healthcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"$1k–$10k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"other_debt_payments\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":\"$10k–$50k\",\"portfolio_return_pct\":0.355,\"life_event_flag\":null,\"stress_flag\":false,\"stress_description\":null},{\"month\":\"2020-05\",\"month_index\":5,\"type\":\"historical\",\"net_worth\":\"$3M–$10M\",\"total_assets\":\"$10M–$30M\",\"total_liabilities\":\"$1M–$3M\",\"gross_income_month\":\"$10k–$50k\",\"net_income_month\":\"$10k–$50k\",\"total_expenses_month\"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istorical\",\"net_worth\":\"$3M–$10M\",\"total_assets\":\"$10M–$30M\",\"total_liabilities\":\"$1M–$3M\",\"gross_income_month\":\"$10k–$50k\",\"net_income_month\":\"$10k–$50k\",\"total_expenses_month\":\"$10k–$50k\",\"savings_month\":\"$1k–$10k\",\"savings_rate_pct\":38.51,\"cash_balance\":\"$500k–$1M\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":0.21,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"<$1k\",\"transportation\":\"<$1k\",\"healthcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"$1k–$10k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"other_debt_payments\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":\"$250k–$500k\",\"portfolio_return_pct\":5.65,\"life_event_flag\":null,\"stress_flag\":false,\"stress_description\":null},{\"month\":\"2020-11\",\"month_index\":11,\"type\":\"historical\",\"net_worth\":\"$3M–$10M\",\"total_assets\":\"$10M–$30M\",\"total_liabilities\":\"$1M–$3M\",\"gross_income_month\":\"$10k–$50k\",\"net_income_month\":\"$10k–$50k\",\"total_expenses_month\":\"$10k–$50k\",\"savings_month\":\"$1k–$10k\",\"savings_rate_pct\":34.83,\"cash_balance\":\"$500k–$1M\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":0.21,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"<$1k\",\"transportation\":\"<$1k\",\"healthcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"$1k–$10k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"$1k–$10k\",\"other_debt_payments\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":\"$100k–$250k\",\"portfolio_return_pct\":1.962,\"life_event_flag\":null,\"stress_flag\":false,\"stress_description\":null},{\"month\":\"2020-12\",\"month_index\":12,\"type\":\"historical\",\"net_worth\":\"$10M–$30M\",\"total_assets\":\"$10M–$30M\",\"total_liabilities\":\"$1M–$3M\",\"gross_income_month\":\"$10k–$50k\",\"net_income_month\":\"$10k–$50k\",\"total_expenses_month\":\"$10k–$50k\",\"savings_month\":\"$1k–$10k\",\"savings_rate_pct\":30.54,\"cash_balance\":\"$500k–$1M\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":0.21,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"$1k–$10k\",\"transportation\":\"<$1k\",\"healthcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"$1k–$10k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"$1k–$10k\",\"charitable_giving\":\"$1k–$10k\",\"other_debt_payments\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":\"$100k–$250k\",\"portfolio_return_pct\":2.561,\"life_event_flag\":null,\"stress_flag\":false,\"stress_description\":null}],\"methodology\":{\"cmaVersion\":\"vanguard-cmm-2025\",\"cmaSource\":\"Vanguard 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96 monthly snapshots (full trajectory + projections in the licensed corpus)\"},\"derived_ratios\":{\"emergency_fund_months\":52.2,\"fire_number\":\"$3M–$10M\",\"fire_progress_pct\":130.3,\"financial_independence_ratio\":1.26,\"debt_to_asset_ratio\":0.16,\"effective_tax_rate\":27.3,\"retirement_readiness_score\":40,\"overall_financial_health_score\":92.1,\"fico_min_96m\":766,\"fico_max_96m\":791,\"fico_current\":770,\"fico_projected_36m\":791},\"_sample\":{\"insufficient_for_production\":true,\"license\":\"evaluation-only\",\"redactions\":\"names/employer/metro/PII removed; dollar amounts banded; trajectory truncated\",\"full_set_url\":\"https://www.wealthschema.com/datasets\",\"note\":\"Shape and fidelity preview. The full validated corpus (96-month trajectories, exact figures, Monte-Carlo projections) is a one-time purchase.\"}}"} |
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$10k–$50k\",\"net_income_month\":\"$1k–$10k\",\"total_expenses_month\":\"$1k–$10k\",\"savings_month\":953,\"savings_rate_pct\":11.23,\"cash_balance\":\"$100k–$250k\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":4.29,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"<$1k\",\"transportation\":\"<$1k\",\"healthcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"<$1k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"other_debt_payments\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":\"$10k–$50k\",\"portfolio_return_pct\":4.024,\"life_event_flag\":null,\"stress_flag\":false,\"stress_description\":null},{\"month\":\"2020-11\",\"month_index\":11,\"type\":\"historical\",\"net_worth\":\"$1M–$3M\",\"total_assets\":\"$1M–$3M\",\"total_liabilities\":\"$100k–$250k\",\"gross_income_month\":\"$10k–$50k\",\"net_income_month\":\"$1k–$10k\",\"total_expenses_month\":\"$1k–$10k\",\"savings_month\":497,\"savings_rate_pct\":5.85,\"cash_balance\":\"$100k–$250k\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":4.29,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"<$1k\",\"transportation\":\"<$1k\",\"healthcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"<$1k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"other_debt_payments\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":\"negative\",\"portfolio_return_pct\":-0.51,\"life_event_flag\":null,\"stress_flag\":false,\"stress_description\":null},{\"month\":\"2020-12\",\"month_index\":12,\"type\":\"historical\",\"net_worth\":\"$1M–$3M\",\"total_assets\":\"$1M–$3M\",\"total_liabilities\":\"$100k–$250k\",\"gross_income_month\":\"$10k–$50k\",\"net_income_month\":\"$1k–$10k\",\"total_expenses_month\":\"$1k–$10k\",\"savings_month\":-37,\"savings_rate_pct\":-0.44,\"cash_balance\":\"$100k–$250k\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":4.3,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"<$1k\",\"transportation\":\"<$1k\",\"healthcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"$1k–$10k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"other_debt_payments\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":\"$1k–$10k\",\"portfolio_return_pct\":0.906,\"life_event_flag\":null,\"stress_flag\":false,\"stress_description\":null}],\"methodology\":{\"cmaVersion\":\"vanguard-cmm-2025\",\"cmaSource\":\"Vanguard 2025 Economic and Market Outlook (December 2024) — midpoints of published 10-year nominal expected return ranges.\",\"allocation\":{\"us_equity\":0.29800000000000004,\"intl_developed\":0.15900000000000003,\"em_equity\":0.05300000000000001,\"us_agg_bonds\":0.298,\"tips\":0.066,\"high_yield\":0.066,\"cash\":\"<$1k\",\"reit\":0.030000000000000002,\"commodities\":0,\"private_equity\":0,\"hedge_funds\":0},\"allocationSummary\":{\"equityTotal\":\"<$1k\",\"bondsTotal\":\"<$1k\",\"cashTotal\":\"<$1k\",\"realAssetsTotal\":\"<$1k\",\"privateMarketsTotal\":\"<$1k\"},\"baseEquityShare\":0.53,\"riskTolerance\":\"moderate\",\"wealthTier\":\"mass_affluent\",\"inferredAge\":62,\"seed\":{\"string\":\"R-01|1|vanguard-cmm-2025\",\"uint32\":\"$30M+\"},\"realizedCagr\":0.081,\"maxDrawdown\":0.2394,\"drawdownPeakMonth\":15,\"drawdownTroughMonth\":39,\"stressConditioned\":true,\"redrawCount\":2,\"inflationAnnualMean\":0.023,\"incomeGrowthAnnual\":\"<$1k\"},\"_truncated\":\"first 12 of 96 monthly snapshots (full trajectory + projections in the licensed corpus)\"},\"derived_ratios\":{\"emergency_fund_months\":18.8,\"fire_number\":\"$3M–$10M\",\"fire_progress_pct\":30.12,\"financial_independence_ratio\":0.27,\"debt_to_asset_ratio\":0.13,\"effective_tax_rate\":27.3,\"retirement_readiness_score\":20,\"overall_financial_health_score\":84.6,\"fico_min_96m\":705,\"fico_max_96m\":734,\"fico_current\":728,\"fico_projected_36m\":734},\"_sample\":{\"insufficient_for_production\":true,\"license\":\"evaluation-only\",\"redactions\":\"names/employer/metro/PII removed; dollar amounts banded; trajectory truncated\",\"full_set_url\":\"https://www.wealthschema.com/datasets\",\"note\":\"Shape and fidelity preview. The full validated corpus (96-month trajectories, exact figures, Monte-Carlo projections) is a one-time purchase.\"}}"} |
| {"archetype_id":"RE-01","archetype_name":"Active Early Retiree","life_stage":"retirement_early","wealth_tier":"mass_affluent","household_type":"married_couple","state_of_residence":"CT","num_members":2,"num_dependents":0,"gross_income_band":"$50k–$100k","schema_version":"v3.0.0","sample_policy":"A small free sample: 8 deliberately insufficient households (one per life stage plus one high-net-worth). PII removed, dollar amounts banded, 96-month trajectory truncated to 12 months, forward projections withheld. Evaluation-only. The full corpus (1,451 households across 71 archetypes, exact figures) is a one-time purchase.","household_json":"{\"_meta\":{\"schema_version\":\"v3.0.0\",\"archetype_id\":\"RE-01\",\"archetype_name\":\"Active Early Retiree\",\"seed\":1,\"is_stress_case\":true,\"generation_method\":\"deterministic\",\"narrative_fields_populated\":false,\"longitudinal_months\":96,\"deterministic_sections_populated\":true,\"reference_data_version\":\"v2.0.0\"},\"archetype_id\":\"RE-01\",\"archetype_name\":\"Active Early Retiree\",\"life_stage\":\"retirement_early\",\"bundle_tags\":[\"B02\",\"B03\",\"B06\",\"B07\",\"B18\",\"B22\"],\"persona\":{\"household_type\":\"married_joint\",\"state_of_residence\":\"CT\",\"cost_of_living_index\":117,\"education_level\":\"bachelors\",\"num_dependents\":0,\"dependent_ages\":[],\"homeowner\":false,\"citizenship_status\":\"us_citizen\",\"generation_cohort\":\"boomer\"},\"members\":[{\"employment_status\":\"retired\",\"role\":\"primary\",\"age\":62,\"industry\":\"retired\",\"base_salary\":null,\"bonus_actual_last_yr\":null,\"social_security_projected_age_67\":\"$1k–$10k\",\"gender\":\"male\"},{\"employment_status\":\"retired\",\"role\":\"spouse\",\"age\":69,\"industry\":\"retired\",\"base_salary\":null,\"bonus_actual_last_yr\":null,\"social_security_projected_age_67\":\"$1k–$10k\",\"gender\":\"female\"}],\"cash_flow\":{\"income_breakdown\":{\"social_security\":\"$10k–$50k\",\"ira_withdrawal\":\"$10k–$50k\"},\"gross_income_annual\":\"$50k–$100k\",\"net_income_annual\":\"$50k–$100k\",\"income_sources\":[{\"source_type\":\"social_security\",\"gross_annual\":\"$10k–$50k\",\"member_role\":\"primary\"},{\"source_type\":\"ira_withdrawal\",\"gross_annual\":\"$10k–$50k\",\"member_role\":\"primary\"},{\"source_type\":\"social_security\",\"gross_annual\":\"$10k–$50k\",\"member_role\":\"spouse\"}],\"expenses_monthly\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"<$1k\",\"transportation\":\"<$1k\",\"healthcare\":\"<$1k\",\"childcare\":\"<$1k\",\"eldercare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"$1k–$10k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"tithing\":\"<$1k\",\"remittances\":\"<$1k\",\"bnpl_payments\":\"<$1k\",\"credit_card_minimum\":\"<$1k\",\"other_debt_payments\":\"<$1k\",\"other\":\"<$1k\",\"total\":\"$1k–$10k\"},\"savings_rate_pct\":-93.69,\"dti_ratio\":0.048,\"monthly_surplus_deficit\":\"negative\",\"savings_investments_monthly\":\"$1k–$10k\",\"income_type\":\"retirement\"},\"assets\":{\"checking_accounts\":[{\"account_id\":\"CHK-001\",\"account_type\":\"joint_checking\",\"institution\":\"Halcyon Reserve Bank\",\"balance\":\"$50k–$100k\"}],\"savings_accounts\":[{\"account_id\":\"SAV-001\",\"account_type\":\"high_yield_savings\",\"institution\":\"Halcyon Reserve Bank\",\"balance\":\"$250k–$500k\"}],\"brokerage_accounts\":[{\"account_id\":\"BRK-001\",\"account_type\":\"individual_taxable\",\"institution\":\"Beacon Investment Services\",\"balance\":\"$500k–$1M\"}],\"retirement_accounts\":[{\"account_id\":\"RET-001\",\"account_type\":\"401k_traditional\",\"owner\":\"M-001\",\"balance\":\"$250k–$500k\",\"institution\":\"Sterling Plan Administration\"},{\"account_id\":\"RET-002\",\"account_type\":\"traditional_ira\",\"owner\":\"M-001\",\"balance\":\"$50k–$100k\",\"institution\":\"Beacon Investment Services\"},{\"account_id\":\"RET-003\",\"account_type\":\"roth_ira\",\"owner\":\"M-001\",\"balance\":\"$10k–$50k\",\"institution\":\"Beacon Investment Services\"},{\"account_id\":\"RET-004\",\"account_type\":\"401k_traditional\",\"owner\":\"M-002\",\"balance\":\"$100k–$250k\",\"institution\":\"Sterling Plan Administration\"},{\"account_id\":\"RET-005\",\"account_type\":\"traditional_ira\",\"owner\":\"M-002\",\"balance\":\"$10k–$50k\",\"institution\":\"Beacon Investment Services\"},{\"account_id\":\"RET-006\",\"account_type\":\"roth_ira\",\"owner\":\"M-002\",\"balance\":\"$10k–$50k\",\"institution\":\"Beacon Investment Services\"}],\"real_estate\":[],\"vehicles\":[{\"vehicle_id\":\"VEH-001\",\"year\":2020,\"make\":\"Hyundai\",\"model\":\"Tucson\",\"estimated_value\":\"$10k–$50k\"},{\"vehicle_id\":\"VEH-002\",\"year\":2021,\"make\":\"Subaru\",\"model\":\"Outback\",\"estimated_value\":\"$10k–$50k\"}],\"other_assets\":[],\"hsa_accounts\":[{\"account_id\":\"HSA-001\",\"balance\":\"$10k–$50k\"}],\"education_accounts\":[],\"alternative_investments\":[{\"asset_id\":\"ALT-001\",\"asset_type\":\"real_estate_crowdfunding\",\"estimated_value\":\"$10k–$50k\"}],\"total_assets\":\"$1M–$3M\"},\"liabilities\":{\"mortgage_loans\":[],\"credit_cards\":[{\"card_id\":\"CC-001\",\"issuer\":\"Sterling Wealth\",\"card_name\":\"Gold Preferred\",\"current_balance\":\"$1k–$10k\",\"balance\":\"$1k–$10k\",\"credit_limit\":\"$10k–$50k\"}],\"student_loans\":[{\"loan_id\":\"SL-001\",\"servicer\":\"ScholarServ Federal\",\"current_balance\":\"$1k–$10k\",\"balance\":\"$1k–$10k\",\"monthly_payment\":\"<$1k\",\"interest_rate\":0.062}],\"auto_loans\":[{\"loan_id\":\"AUTO-001\",\"current_balance\":\"$10k–$50k\",\"balance\":\"$10k–$50k\",\"monthly_payment\":\"<$1k\",\"interest_rate\":0.07,\"vehicle_description\":\"2021 Subaru Outback\",\"lender\":\"Westgate Mortgage Services\"}],\"total_liabilities\":\"$10k–$50k\"},\"insurance\":{\"life_insurance\":[{\"policy_id\":\"LIF-001\",\"insured\":\"M-001\",\"policy_type\":\"term\",\"term_years\":20,\"death_benefit\":\"$500k–$1M\",\"cash_value\":\"<$1k\",\"annual_premium\":\"$1k–$10k\",\"beneficiary\":\"M-002\",\"issue_year\":2021,\"carrier\":\"Coastal Standard Insurance\"},{\"policy_id\":\"LIF-002\",\"insured\":\"M-002\",\"policy_type\":\"term\",\"term_years\":20,\"death_benefit\":\"$250k–$500k\",\"cash_value\":\"<$1k\",\"annual_premium\":\"$1k–$10k\",\"beneficiary\":\"M-001\",\"issue_year\":2021,\"carrier\":\"Coastal Standard Insurance\"}],\"disability_insurance\":[{\"policy_id\":\"DIS-001\",\"insured\":\"M-001\",\"policy_type\":\"long_term_disability\",\"monthly_benefit\":\"$1k–$10k\",\"benefit_period_years\":10,\"elimination_period_days\":90,\"own_occupation\":false,\"annual_premium\":\"$1k–$10k\",\"carrier\":\"Cornerstone Casualty Group\"},{\"policy_id\":\"DIS-002\",\"insured\":\"M-002\",\"policy_type\":\"long_term_disability\",\"monthly_benefit\":\"$1k–$10k\",\"benefit_period_years\":10,\"elimination_period_days\":90,\"own_occupation\":false,\"annual_premium\":\"$1k–$10k\",\"carrier\":\"Cornerstone Casualty Group\"}],\"health_insurance\":[{\"policy_id\":\"HLT-001\",\"plan_type\":\"hdhp\",\"insured_members\":[\"M-001\",\"M-002\"],\"monthly_premium\":\"<$1k\",\"annual_deductible_individual\":\"$1k–$10k\",\"annual_deductible_family\":\"$1k–$10k\",\"out_of_pocket_max_family\":\"$1k–$10k\",\"hsa_eligible\":true,\"carrier\":\"Coastline Health\"}],\"property_casualty\":[{\"policy_id\":\"REN-001\",\"policy_type\":\"renters\",\"liability_coverage\":\"$100k–$250k\",\"annual_premium\":\"<$1k\",\"carrier\":\"SafeHarbor Insurance\",\"dwelling_coverage\":\"<$1k\",\"personal_property_coverage\":\"$50k–$100k\"},{\"policy_id\":\"AUT-001\",\"policy_type\":\"auto\",\"liability_coverage\":\"$250k–$500k\",\"annual_premium\":\"$1k–$10k\",\"carrier\":\"ShieldPoint Mutual\",\"vehicles_covered\":2,\"liability_limit\":\"100/300/100\",\"comprehensive_collision\":true}],\"umbrella_liability\":{\"coverage_amount\":\"$1M–$3M\",\"annual_premium\":\"<$1k\",\"carrier\":\"SafeHarbor Insurance\"},\"ltc_insurance\":[{\"policy_id\":\"LTC-001\",\"insured\":\"M-001\",\"daily_benefit\":\"<$1k\",\"benefit_period_years\":3,\"elimination_period_days\":90,\"annual_premium\":\"$1k–$10k\",\"inflation_protection_pct\":3,\"carrier\":\"Synthetic LTC Co.\"},{\"policy_id\":\"LTC-002\",\"insured\":\"M-002\",\"daily_benefit\":\"<$1k\",\"benefit_period_years\":3,\"elimination_period_days\":90,\"annual_premium\":\"$1k–$10k\",\"inflation_protection_pct\":3,\"carrier\":\"Synthetic LTC Co.\"}]},\"tax_profile\":{\"filing_status\":\"married_filing_jointly\",\"federal_effective_rate\":0.154,\"agi_estimate\":\"$100k–$250k\",\"taxable_income_estimate\":\"$100k–$250k\",\"fica_employee_annual\":\"$10k–$50k\",\"remaining_401k_space\":\"<$1k\",\"remaining_ira_space\":\"<$1k\",\"remaining_hsa_space\":\"<$1k\"},\"net_worth\":{\"net_worth\":\"$1M–$3M\",\"total_assets\":\"$1M–$3M\",\"total_liabilities\":\"$10k–$50k\",\"liquid_net_worth\":\"$1M–$3M\",\"investable_assets\":\"$1M–$3M\"},\"credit_profile\":{\"fico_score\":753,\"fico_band\":\"very_good_740_799\",\"open_accounts\":7,\"oldest_account_years\":40,\"on_time_payment_pct\":99.4,\"derogatory_marks\":0,\"thin_file\":false,\"total_utilization_pct\":18.1,\"total_credit_limit\":\"$10k–$50k\"},\"goals\":[{\"goal_id\":\"G-001\",\"goal_type\":\"legacy\",\"priority\":\"medium\",\"target_amount\":\"$1M–$3M\",\"current_progress\":\"$1M–$3M\",\"target_date\":\"2046-01-01\",\"monthly_savings_needed\":0,\"current_monthly_savings\":0,\"on_track\":true,\"description\":\"legacy goal — see numeric fields for current state.\",\"gap_analysis\":null},{\"goal_id\":\"G-002\",\"goal_type\":\"emergency_fund\",\"priority\":\"high\",\"target_amount\":\"$50k–$100k\",\"current_progress\":\"$250k–$500k\",\"target_date\":\"2027-01-01\",\"monthly_savings_needed\":0,\"current_monthly_savings\":0,\"on_track\":true,\"description\":\"emergency fund goal — see numeric fields for current state.\",\"gap_analysis\":null}],\"behavioral_profile\":{\"risk_tolerance_score\":4,\"risk_tolerance_label\":\"moderate_conservative\",\"risk_capacity_score\":4,\"savings_discipline\":\"fair\",\"financial_anxiety_score\":4,\"investment_style\":\"income_focused\",\"spending_style\":\"conspicuous\",\"debt_attitude\":\"pragmatic\",\"advisor_receptiveness\":\"neutral\",\"charitable_inclination\":\"occasional\",\"financial_planning_engagement\":\"annual_review\"},\"estate_profile\":{\"estimated_taxable_estate\":\"$3M–$10M\",\"federal_estate_tax_exposure\":false},\"longitudinal\":{\"monthly\":[{\"month\":\"2020-01\",\"month_index\":1,\"type\":\"historical\",\"net_worth\":\"$1M–$3M\",\"total_assets\":\"$1M–$3M\",\"total_liabilities\":\"$10k–$50k\",\"gross_income_month\":\"$1k–$10k\",\"net_income_month\":\"$1k–$10k\",\"total_expenses_month\":\"$1k–$10k\",\"savings_month\":\"negative\",\"savings_rate_pct\":-73.2,\"cash_balance\":\"$250k–$500k\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":4.77,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"<$1k\",\"transportation\":\"<$1k\",\"healthcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"<$1k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"other_debt_payments\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":\"$10k–$50k\",\"portfolio_return_pct\":2.427,\"life_event_flag\":null,\"stress_flag\":false,\"stress_description\":null},{\"month\":\"2020-02\",\"month_index\":2,\"type\":\"historical\",\"net_worth\":\"$1M–$3M\",\"total_assets\":\"$1M–$3M\",\"total_liabilities\":\"$10k–$50k\",\"gross_income_month\":\"$1k–$10k\",\"net_income_month\":\"$1k–$10k\",\"total_expenses_month\":\"$1k–$10k\",\"savings_month\":\"negative\",\"savings_rate_pct\":-68.32,\"cash_balance\":\"$250k–$500k\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":4.78,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"<$1k\",\"transportation\":\"<$1k\",\"healthcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"<$1k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"other_debt_payments\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":\"negative\",\"portfolio_return_pct\":-0.512,\"life_event_flag\":null,\"stress_flag\":false,\"stress_description\":null},{\"month\":\"2020-03\",\"month_index\":3,\"type\":\"historical\",\"net_worth\":\"$1M–$3M\",\"total_assets\":\"$1M–$3M\",\"total_liabilities\":\"$10k–$50k\",\"gross_income_month\":\"$1k–$10k\",\"net_income_month\":\"$1k–$10k\",\"total_expenses_month\":\"$1k–$10k\",\"savings_month\":\"negative\",\"savings_rate_pct\":-73.86,\"cash_balance\":\"$250k–$500k\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":4.79,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"<$1k\",\"transportation\":\"<$1k\",\"healthcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"<$1k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"other_debt_payments\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":\"$50k–$100k\",\"portfolio_return_pct\":5.102,\"life_event_flag\":null,\"stress_flag\":false,\"stress_description\":null},{\"month\":\"2020-04\",\"month_index\":4,\"type\":\"historical\",\"net_worth\":\"$1M–$3M\",\"total_assets\":\"$1M–$3M\",\"total_liabilities\":\"$10k–$50k\",\"gross_income_month\":\"$1k–$10k\",\"net_income_month\":\"$1k–$10k\",\"total_expenses_month\":\"$1k–$10k\",\"savings_month\":\"negative\",\"savings_rate_pct\":-82.9,\"cash_balance\":\"$250k–$500k\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":4.8,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"<$1k\",\"transportation\":\"<$1k\",\"healthcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"$1k–$10k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"other_debt_payments\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":\"negative\",\"portfolio_return_pct\":-1.414,\"life_event_flag\":null,\"stress_flag\":false,\"stress_description\":null},{\"month\":\"2020-05\",\"month_index\":5,\"type\":\"historical\",\"net_worth\":\"$1M–$3M\",\"total_assets\":\"$1M–$3M\",\"total_liabilities\":\"$10k–$50k\",\"gross_income_month\":\"$1k–$10k\",\"net_income_month\":\"$1k–$10k\",\"total_expenses_month\":\"$1k–$10k\",\"savings_month\":\"negative\",\"savings_rate_pct\":-74.52,\"cash_balance\":\"$250k–$500k\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":4.81,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"<$1k\",\"transportation\":\"<$1k\",\"healthcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"<$1k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"other_debt_payments\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":\"$50k–$100k\",\"portfolio_return_pct\":4.846,\"life_event_flag\":null,\"stress_flag\":false,\"stress_description\":null},{\"month\":\"2020-06\",\"month_index\":6,\"type\":\"historical\",\"net_worth\":\"$1M–$3M\",\"total_assets\":\"$1M–$3M\",\"total_liabilities\":\"$10k–$50k\",\"gross_income_month\":\"$1k–$10k\",\"net_income_month\":\"$1k–$10k\",\"total_expenses_month\":\"$1k–$10k\",\"savings_month\":\"negative\",\"savings_rate_pct\":-127.3,\"cash_balance\":\"$250k–$500k\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":4.82,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"<$1k\",\"transportation\":\"<$1k\",\"healthcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"$1k–$10k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"other_debt_payments\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":\"$1k–$10k\",\"portfolio_return_pct\":0.12,\"life_event_flag\":null,\"stress_flag\":true,\"stress_description\":\"Income shock (job loss / business slowdown) coincident with market drawdown.\"},{\"month\":\"2020-07\",\"month_index\":7,\"type\":\"historical\",\"net_worth\":\"$1M–$3M\",\"total_assets\":\"$1M–$3M\",\"total_liabilities\":\"$10k–$50k\",\"gross_income_month\":\"$1k–$10k\",\"net_income_month\":\"$1k–$10k\",\"total_expenses_month\":\"$1k–$10k\",\"savings_month\":\"negative\",\"savings_rate_pct\":-132.11,\"cash_balance\":\"$250k–$500k\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":4.83,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"<$1k\",\"transportation\":\"<$1k\",\"healthcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"$1k–$10k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"other_debt_payments\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":\"negative\",\"portfolio_return_pct\":-1.83,\"life_event_flag\":null,\"stress_flag\":true,\"stress_description\":\"Income shock (job loss / business slowdown) coincident with market drawdown.\"},{\"month\":\"2020-08\",\"month_index\":8,\"type\":\"historical\",\"net_worth\":\"$1M–$3M\",\"total_assets\":\"$1M–$3M\",\"total_liabilities\":\"$10k–$50k\",\"gross_income_month\":\"$1k–$10k\",\"net_income_month\":\"$1k–$10k\",\"total_expenses_month\":\"$1k–$10k\",\"savings_month\":\"negative\",\"savings_rate_pct\":-128.17,\"cash_balance\":\"$250k–$500k\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":4.84,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"<$1k\",\"transportation\":\"<$1k\",\"healthcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"$1k–$10k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"other_debt_payments\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":\"negative\",\"portfolio_return_pct\":-0.185,\"life_event_flag\":null,\"stress_flag\":true,\"stress_description\":\"Income shock (job loss / business slowdown) coincident with market drawdown.\"},{\"month\":\"2020-09\",\"month_index\":9,\"type\":\"historical\",\"net_worth\":\"$1M–$3M\",\"total_assets\":\"$1M–$3M\",\"total_liabilities\":\"$10k–$50k\",\"gross_income_month\":\"$1k–$10k\",\"net_income_month\":\"$1k–$10k\",\"total_expenses_month\":\"$1k–$10k\",\"savings_month\":\"negative\",\"savings_rate_pct\":-119.81,\"cash_balance\":\"$250k–$500k\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":4.85,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"<$1k\",\"transportation\":\"<$1k\",\"healthcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"<$1k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"other_debt_payments\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":\"negative\",\"portfolio_return_pct\":-3.029,\"life_event_flag\":null,\"stress_flag\":true,\"stress_description\":\"Income shock (job loss / business slowdown) coincident with market drawdown.\"},{\"month\":\"2020-10\",\"month_index\":10,\"type\":\"historical\",\"net_worth\":\"$1M–$3M\",\"total_assets\":\"$1M–$3M\",\"total_liabilities\":\"$10k–$50k\",\"gross_income_month\":\"$1k–$10k\",\"net_income_month\":\"$1k–$10k\",\"total_expenses_month\":\"$1k–$10k\",\"savings_month\":\"negative\",\"savings_rate_pct\":-120.22,\"cash_balance\":\"$250k–$500k\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":4.86,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"<$1k\",\"transportation\":\"<$1k\",\"healthcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"<$1k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"other_debt_payments\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":\"$50k–$100k\",\"portfolio_return_pct\":2.93,\"life_event_flag\":null,\"stress_flag\":true,\"stress_description\":\"Income shock (job loss / business slowdown) coincident with market drawdown.\"},{\"month\":\"2020-11\",\"month_index\":11,\"type\":\"historical\",\"net_worth\":\"$1M–$3M\",\"total_assets\":\"$1M–$3M\",\"total_liabilities\":\"$10k–$50k\",\"gross_income_month\":\"$1k–$10k\",\"net_income_month\":\"$1k–$10k\",\"total_expenses_month\":\"$1k–$10k\",\"savings_month\":\"negative\",\"savings_rate_pct\":-107.89,\"cash_balance\":\"$250k–$500k\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":4.86,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"<$1k\",\"transportation\":\"<$1k\",\"healthcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"$1k–$10k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"other_debt_payments\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":\"negative\",\"portfolio_return_pct\":-0.167,\"life_event_flag\":null,\"stress_flag\":true,\"stress_description\":\"Recovering from income shock; partial earnings restoration.\"},{\"month\":\"2020-12\",\"month_index\":12,\"type\":\"historical\",\"net_worth\":\"$1M–$3M\",\"total_assets\":\"$1M–$3M\",\"total_liabilities\":\"$10k–$50k\",\"gross_income_month\":\"$1k–$10k\",\"net_income_month\":\"$1k–$10k\",\"total_expenses_month\":\"$1k–$10k\",\"savings_month\":\"negative\",\"savings_rate_pct\":-122.04,\"cash_balance\":\"$250k–$500k\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":4.87,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"<$1k\",\"transportation\":\"$1k–$10k\",\"healthcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"$1k–$10k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"other_debt_payments\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":\"negative\",\"portfolio_return_pct\":-4.909,\"life_event_flag\":null,\"stress_flag\":true,\"stress_description\":\"Recovering from income shock; partial earnings restoration.\"}],\"methodology\":{\"cmaVersion\":\"vanguard-cmm-2025\",\"cmaSource\":\"Vanguard 2025 Economic and Market Outlook (December 2024) — midpoints of published 10-year nominal expected return ranges.\",\"allocation\":{\"us_equity\":0.29800000000000004,\"intl_developed\":0.15900000000000003,\"em_equity\":0.05300000000000001,\"us_agg_bonds\":0.298,\"tips\":0.066,\"high_yield\":0.066,\"cash\":\"<$1k\",\"reit\":0.030000000000000002,\"commodities\":0,\"private_equity\":0,\"hedge_funds\":0},\"allocationSummary\":{\"equityTotal\":\"<$1k\",\"bondsTotal\":\"<$1k\",\"cashTotal\":\"<$1k\",\"realAssetsTotal\":\"<$1k\",\"privateMarketsTotal\":\"<$1k\"},\"baseEquityShare\":0.53,\"riskTolerance\":\"moderate\",\"wealthTier\":\"mass_affluent\",\"inferredAge\":62,\"seed\":{\"string\":\"RE-01|1|vanguard-cmm-2025\",\"uint32\":\"$30M+\"},\"realizedCagr\":-0.0138,\"maxDrawdown\":0.2043,\"drawdownPeakMonth\":6,\"drawdownTroughMonth\":41,\"stressConditioned\":true,\"redrawCount\":27,\"inflationAnnualMean\":0.023,\"incomeGrowthAnnual\":\"<$1k\"},\"_truncated\":\"first 12 of 96 monthly snapshots (full trajectory + projections in the licensed corpus)\"},\"derived_ratios\":{\"emergency_fund_months\":50.6,\"fire_number\":\"$3M–$10M\",\"fire_progress_pct\":58.06,\"financial_independence_ratio\":0.55,\"debt_to_asset_ratio\":0.01,\"effective_tax_rate\":27.3,\"retirement_readiness_score\":40,\"overall_financial_health_score\":90.8,\"fico_min_96m\":729,\"fico_max_96m\":759,\"fico_current\":753,\"fico_projected_36m\":759},\"_sample\":{\"insufficient_for_production\":true,\"license\":\"evaluation-only\",\"redactions\":\"names/employer/metro/PII removed; dollar amounts banded; trajectory truncated\",\"full_set_url\":\"https://www.wealthschema.com/datasets\",\"note\":\"Shape and fidelity preview. The full validated corpus (96-month trajectories, exact figures, Monte-Carlo projections) is a one-time purchase.\"}}"} |
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The full corpus (1,451 households across 71 archetypes, exact figures) is a one-time purchase.","household_json":"{\"_meta\":{\"schema_version\":\"v3.0.0\",\"archetype_id\":\"RL-01\",\"archetype_name\":\"RMD-Stage Retiree\",\"seed\":1,\"is_stress_case\":true,\"generation_method\":\"deterministic\",\"narrative_fields_populated\":false,\"longitudinal_months\":96,\"deterministic_sections_populated\":true,\"reference_data_version\":\"v2.0.0\"},\"archetype_id\":\"RL-01\",\"archetype_name\":\"RMD-Stage Retiree\",\"life_stage\":\"retirement_late\",\"bundle_tags\":[\"B01\",\"B02\",\"B03\",\"B06\",\"B12\",\"B27\"],\"persona\":{\"household_type\":\"married_joint\",\"state_of_residence\":\"VA\",\"cost_of_living_index\":96,\"education_level\":\"masters\",\"num_dependents\":0,\"dependent_ages\":[],\"homeowner\":true,\"citizenship_status\":\"permanent_resident\",\"generation_cohort\":\"boomer\"},\"members\":[{\"employment_status\":\"retired\",\"role\":\"primary\",\"age\":75,\"industry\":\"retired\",\"base_salary\":null,\"bonus_actual_last_yr\":null,\"social_security_projected_age_67\":\"$1k–$10k\",\"gender\":\"female\"},{\"employment_status\":\"retired\",\"role\":\"spouse\",\"age\":80,\"industry\":\"retired\",\"base_salary\":null,\"bonus_actual_last_yr\":null,\"social_security_projected_age_67\":\"$1k–$10k\",\"gender\":\"male\"}],\"cash_flow\":{\"income_breakdown\":{\"social_security\":\"$10k–$50k\",\"ira_withdrawal\":\"$10k–$50k\"},\"gross_income_annual\":\"$50k–$100k\",\"net_income_annual\":\"$10k–$50k\",\"income_sources\":[{\"source_type\":\"social_security\",\"gross_annual\":\"$10k–$50k\",\"member_role\":\"primary\"},{\"source_type\":\"social_security\",\"gross_annual\":\"$10k–$50k\",\"member_role\":\"spouse\"},{\"source_type\":\"ira_withdrawal\",\"gross_annual\":\"$10k–$50k\",\"member_role\":\"primary\"}],\"expenses_monthly\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"<$1k\",\"transportation\":\"<$1k\",\"healthcare\":\"<$1k\",\"childcare\":\"<$1k\",\"eldercare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"<$1k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"tithing\":\"<$1k\",\"remittances\":\"<$1k\",\"bnpl_payments\":\"<$1k\",\"credit_card_minimum\":\"<$1k\",\"other_debt_payments\":\"<$1k\",\"other\":\"<$1k\",\"total\":\"$1k–$10k\"},\"savings_rate_pct\":-71.06,\"dti_ratio\":0.239,\"monthly_surplus_deficit\":\"negative\",\"savings_investments_monthly\":\"<$1k\",\"income_type\":\"w2\"},\"assets\":{\"checking_accounts\":[{\"account_id\":\"CHK-001\",\"account_type\":\"joint_checking\",\"institution\":\"Beacon Community Bank\",\"balance\":\"$10k–$50k\"}],\"savings_accounts\":[{\"account_id\":\"SAV-001\",\"account_type\":\"high_yield_savings\",\"institution\":\"Beacon Community Bank\",\"balance\":\"$100k–$250k\"}],\"brokerage_accounts\":[{\"account_id\":\"BRK-001\",\"account_type\":\"individual_taxable\",\"institution\":\"Westgate Brokerage\",\"balance\":\"$100k–$250k\"}],\"retirement_accounts\":[{\"account_id\":\"RET-001\",\"account_type\":\"401k_traditional\",\"owner\":\"M-001\",\"balance\":\"$100k–$250k\",\"institution\":\"Cornerstone Retirement Services\"},{\"account_id\":\"RET-002\",\"account_type\":\"traditional_ira\",\"owner\":\"M-001\",\"balance\":\"$10k–$50k\",\"institution\":\"Westgate Brokerage\"},{\"account_id\":\"RET-003\",\"account_type\":\"roth_ira\",\"owner\":\"M-001\",\"balance\":\"$10k–$50k\",\"institution\":\"Westgate Brokerage\"},{\"account_id\":\"RET-004\",\"account_type\":\"401k_traditional\",\"owner\":\"M-002\",\"balance\":\"$100k–$250k\",\"institution\":\"Cornerstone Retirement Services\"},{\"account_id\":\"RET-005\",\"account_type\":\"traditional_ira\",\"owner\":\"M-002\",\"balance\":\"$10k–$50k\",\"institution\":\"Westgate Brokerage\"},{\"account_id\":\"RET-006\",\"account_type\":\"roth_ira\",\"owner\":\"M-002\",\"balance\":\"$1k–$10k\",\"institution\":\"Westgate Brokerage\"}],\"real_estate\":[{\"property_id\":\"RE-001\",\"property_type\":\"primary_residence\",\"estimated_value\":\"$250k–$500k\",\"purchase_price\":\"$100k–$250k\",\"purchase_year\":2024}],\"vehicles\":[{\"vehicle_id\":\"VEH-001\",\"year\":2021,\"make\":\"Subaru\",\"model\":\"Outback\",\"estimated_value\":\"$10k–$50k\"},{\"vehicle_id\":\"VEH-002\",\"year\":2022,\"make\":\"Toyota\",\"model\":\"RAV4\",\"estimated_value\":\"$10k–$50k\"}],\"other_assets\":[],\"hsa_accounts\":[{\"account_id\":\"HSA-001\",\"balance\":\"$10k–$50k\"}],\"education_accounts\":[],\"alternative_investments\":[{\"asset_id\":\"ALT-001\",\"asset_type\":\"real_estate_crowdfunding\",\"estimated_value\":\"$10k–$50k\"}],\"total_assets\":\"$500k–$1M\"},\"liabilities\":{\"mortgage_loans\":[{\"loan_id\":\"MTG-001\",\"lender\":\"Heritage Home Loans\",\"current_balance\":\"$100k–$250k\",\"balance\":\"$100k–$250k\",\"original_balance\":\"$100k–$250k\",\"monthly_payment\":\"<$1k\",\"interest_rate\":0.069,\"origination_year\":2024,\"term_years\":30}],\"credit_cards\":[{\"card_id\":\"CC-001\",\"issuer\":\"Riverside National\",\"card_name\":\"Cash Back Plus\",\"current_balance\":\"$1k–$10k\",\"balance\":\"$1k–$10k\",\"credit_limit\":\"$10k–$50k\"}],\"student_loans\":[],\"auto_loans\":[{\"loan_id\":\"AUTO-001\",\"current_balance\":\"$10k–$50k\",\"balance\":\"$10k–$50k\",\"monthly_payment\":\"<$1k\",\"interest_rate\":0.07,\"vehicle_description\":\"2022 Toyota RAV4\",\"lender\":\"Heritage Home Loans\"}],\"total_liabilities\":\"$100k–$250k\"},\"insurance\":{\"life_insurance\":[{\"policy_id\":\"LIF-001\",\"insured\":\"M-001\",\"policy_type\":\"term\",\"term_years\":20,\"death_benefit\":\"$500k–$1M\",\"cash_value\":\"<$1k\",\"annual_premium\":\"$1k–$10k\",\"beneficiary\":\"M-002\",\"issue_year\":2021,\"carrier\":\"Liberty Crest Mutual\"},{\"policy_id\":\"LIF-002\",\"insured\":\"M-002\",\"policy_type\":\"term\",\"term_years\":20,\"death_benefit\":\"$250k–$500k\",\"cash_value\":\"<$1k\",\"annual_premium\":\"$1k–$10k\",\"beneficiary\":\"M-001\",\"issue_year\":2021,\"carrier\":\"Liberty Crest Mutual\"}],\"disability_insurance\":[{\"policy_id\":\"DIS-001\",\"insured\":\"M-001\",\"policy_type\":\"long_term_disability\",\"monthly_benefit\":\"$1k–$10k\",\"benefit_period_years\":10,\"elimination_period_days\":90,\"own_occupation\":false,\"annual_premium\":\"$1k–$10k\",\"carrier\":\"Heritage Indemnity Co.\"},{\"policy_id\":\"DIS-002\",\"insured\":\"M-002\",\"policy_type\":\"long_term_disability\",\"monthly_benefit\":\"$1k–$10k\",\"benefit_period_years\":10,\"elimination_period_days\":90,\"own_occupation\":false,\"annual_premium\":\"$1k–$10k\",\"carrier\":\"Heritage Indemnity Co.\"}],\"health_insurance\":[{\"policy_id\":\"HLT-001\",\"plan_type\":\"hdhp\",\"insured_members\":[\"M-001\",\"M-002\"],\"monthly_premium\":\"<$1k\",\"annual_deductible_individual\":\"$1k–$10k\",\"annual_deductible_family\":\"$1k–$10k\",\"out_of_pocket_max_family\":\"$1k–$10k\",\"hsa_eligible\":true,\"carrier\":\"Apex Health Solutions\"}],\"property_casualty\":[{\"policy_id\":\"HOM-001\",\"policy_type\":\"homeowners\",\"liability_coverage\":\"$250k–$500k\",\"annual_premium\":\"<$1k\",\"carrier\":\"Coastal Standard Insurance\",\"dwelling_coverage\":\"$100k–$250k\",\"personal_property_coverage\":\"$50k–$100k\"},{\"policy_id\":\"AUT-001\",\"policy_type\":\"auto\",\"liability_coverage\":\"$250k–$500k\",\"annual_premium\":\"$1k–$10k\",\"carrier\":\"Cornerstone Casualty Group\",\"vehicles_covered\":2,\"liability_limit\":\"100/300/100\",\"comprehensive_collision\":true}],\"umbrella_liability\":{\"coverage_amount\":\"$1M–$3M\",\"annual_premium\":\"<$1k\",\"carrier\":\"Coastal Standard Insurance\"},\"ltc_insurance\":[{\"policy_id\":\"LTC-001\",\"insured\":\"M-001\",\"daily_benefit\":\"<$1k\",\"benefit_period_years\":3,\"elimination_period_days\":90,\"annual_premium\":\"$1k–$10k\",\"inflation_protection_pct\":3,\"carrier\":\"Synthetic LTC Co.\"},{\"policy_id\":\"LTC-002\",\"insured\":\"M-002\",\"daily_benefit\":\"<$1k\",\"benefit_period_years\":3,\"elimination_period_days\":90,\"annual_premium\":\"$1k–$10k\",\"inflation_protection_pct\":3,\"carrier\":\"Synthetic LTC Co.\"}]},\"tax_profile\":{\"filing_status\":\"married_filing_jointly\",\"federal_effective_rate\":0.154,\"agi_estimate\":\"$100k–$250k\",\"taxable_income_estimate\":\"$50k–$100k\",\"fica_employee_annual\":\"$1k–$10k\",\"remaining_401k_space\":\"<$1k\",\"remaining_ira_space\":\"<$1k\",\"remaining_hsa_space\":\"<$1k\"},\"net_worth\":{\"net_worth\":\"$500k–$1M\",\"total_assets\":\"$500k–$1M\",\"total_liabilities\":\"$100k–$250k\",\"liquid_net_worth\":\"$250k–$500k\",\"investable_assets\":\"$500k–$1M\"},\"credit_profile\":{\"fico_score\":764,\"fico_band\":\"very_good_740_799\",\"open_accounts\":11,\"oldest_account_years\":40,\"on_time_payment_pct\":99.7,\"derogatory_marks\":0,\"thin_file\":false,\"total_utilization_pct\":19.6,\"total_credit_limit\":\"$10k–$50k\"},\"goals\":[{\"goal_id\":\"G-001\",\"goal_type\":\"legacy\",\"priority\":\"medium\",\"target_amount\":\"$500k–$1M\",\"current_progress\":\"$500k–$1M\",\"target_date\":\"2046-01-01\",\"monthly_savings_needed\":0,\"current_monthly_savings\":0,\"on_track\":true,\"description\":\"legacy goal — see numeric fields for current state.\",\"gap_analysis\":null},{\"goal_id\":\"G-002\",\"goal_type\":\"emergency_fund\",\"priority\":\"high\",\"target_amount\":\"$10k–$50k\",\"current_progress\":\"$100k–$250k\",\"target_date\":\"2027-01-01\",\"monthly_savings_needed\":0,\"current_monthly_savings\":0,\"on_track\":true,\"description\":\"emergency fund goal — see numeric fields for current 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Cash\",\"current_balance\":\"$1k–$10k\",\"balance\":\"$1k–$10k\",\"credit_limit\":\"$10k–$50k\"}],\"student_loans\":[],\"auto_loans\":[],\"total_liabilities\":\"$1k–$10k\"},\"insurance\":{\"life_insurance\":[{\"policy_id\":\"LIF-001\",\"insured\":\"M-001\",\"policy_type\":\"term\",\"term_years\":20,\"death_benefit\":\"$1M–$3M\",\"cash_value\":\"<$1k\",\"annual_premium\":\"$1k–$10k\",\"beneficiary\":\"estate\",\"issue_year\":2022,\"carrier\":\"Cornerstone Casualty Group\"}],\"disability_insurance\":[{\"policy_id\":\"DIS-001\",\"insured\":\"M-001\",\"policy_type\":\"long_term_disability\",\"monthly_benefit\":\"$1k–$10k\",\"benefit_period_years\":10,\"elimination_period_days\":90,\"own_occupation\":false,\"annual_premium\":\"$1k–$10k\",\"carrier\":\"Liberty Crest Mutual\"}],\"health_insurance\":[{\"policy_id\":\"HLT-001\",\"plan_type\":\"hdhp\",\"insured_members\":[\"M-001\",\"M-003\",\"M-004\",\"M-005\",\"M-006\"],\"monthly_premium\":\"<$1k\",\"annual_deductible_individual\":\"$1k–$10k\",\"annual_deductible_family\":\"$1k–$10k\",\"out_of_pocket_max_family\":\"$1k–$10k\",\"hsa_eligible\":true,\"carrier\":\"Pinnacle Health Network\"}],\"property_casualty\":[{\"policy_id\":\"REN-001\",\"policy_type\":\"renters\",\"liability_coverage\":\"$100k–$250k\",\"annual_premium\":\"<$1k\",\"carrier\":\"ShieldPoint Mutual\",\"dwelling_coverage\":\"<$1k\",\"personal_property_coverage\":\"$50k–$100k\"},{\"policy_id\":\"AUT-001\",\"policy_type\":\"auto\",\"liability_coverage\":\"$250k–$500k\",\"annual_premium\":\"$1k–$10k\",\"carrier\":\"Coastal Standard 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goal — see numeric fields for current state.\",\"gap_analysis\":\"Currently saving $1,324/mo against required $3,995/mo (shortfall: $2,671/mo).\"},{\"goal_id\":\"G-002\",\"goal_type\":\"emergency_fund\",\"priority\":\"high\",\"target_amount\":\"$50k–$100k\",\"current_progress\":\"$250k–$500k\",\"target_date\":\"2027-01-01\",\"monthly_savings_needed\":0,\"current_monthly_savings\":0,\"on_track\":true,\"description\":\"emergency fund goal — see numeric fields for current state.\",\"gap_analysis\":null},{\"goal_type\":\"legal_settlement\",\"description\":\"Fund divorce legal fees and potential QDRO 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will, healthcare proxy, and durable power of attorney\",\"stress_flag\":false,\"stress_description\":null},{\"month\":\"2020-07\",\"month_index\":7,\"type\":\"historical\",\"net_worth\":\"$1M–$3M\",\"total_assets\":\"$1M–$3M\",\"total_liabilities\":\"$1k–$10k\",\"gross_income_month\":\"$10k–$50k\",\"net_income_month\":\"$1k–$10k\",\"total_expenses_month\":\"$1k–$10k\",\"savings_month\":419,\"savings_rate_pct\":4.79,\"cash_balance\":\"$100k–$250k\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":0,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"<$1k\",\"transportation\":\"<$1k\",\"healthcare\":\"<$1k\",\"childcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"<$1k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":\"negative\",\"portfolio_return_pct\":-2.385,\"life_event_flag\":\"Divorce proceedings initiated; legal separation in progress\",\"stress_flag\":false,\"stress_description\":null},{\"month\":\"2020-08\",\"month_index\":8,\"type\":\"historical\",\"net_worth\":\"$1M–$3M\",\"total_assets\":\"$1M–$3M\",\"total_liabilities\":\"$1k–$10k\",\"gross_income_month\":\"$10k–$50k\",\"net_income_month\":\"$1k–$10k\",\"total_expenses_month\":\"$1k–$10k\",\"savings_month\":\"$1k–$10k\",\"savings_rate_pct\":15.58,\"cash_balance\":\"$100k–$250k\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":0,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"<$1k\",\"transportation\":\"<$1k\",\"healthcare\":\"<$1k\",\"childcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"<$1k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":\"negative\",\"portfolio_return_pct\":-0.995,\"life_event_flag\":null,\"stress_flag\":false,\"stress_description\":null},{\"month\":\"2020-09\",\"month_index\":9,\"type\":\"historical\",\"net_worth\":\"$1M–$3M\",\"total_assets\":\"$1M–$3M\",\"total_liabilities\":\"$1k–$10k\",\"gross_income_month\":\"$10k–$50k\",\"net_income_month\":\"$1k–$10k\",\"total_expenses_month\":\"$1k–$10k\",\"savings_month\":\"$1k–$10k\",\"savings_rate_pct\":18.84,\"cash_balance\":\"$100k–$250k\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":0,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"<$1k\",\"transportation\":\"<$1k\",\"healthcare\":\"<$1k\",\"childcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"<$1k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":\"$50k–$100k\",\"portfolio_return_pct\":6.105,\"life_event_flag\":null,\"stress_flag\":false,\"stress_description\":null},{\"month\":\"2020-10\",\"month_index\":10,\"type\":\"historical\",\"net_worth\":\"$1M–$3M\",\"total_assets\":\"$1M–$3M\",\"total_liabilities\":\"$1k–$10k\",\"gross_income_month\":\"$10k–$50k\",\"net_income_month\":\"$1k–$10k\",\"total_expenses_month\":\"$1k–$10k\",\"savings_month\":\"$1k–$10k\",\"savings_rate_pct\":18.85,\"cash_balance\":\"$100k–$250k\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":0,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"<$1k\",\"transportation\":\"<$1k\",\"healthcare\":\"<$1k\",\"childcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"<$1k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":\"negative\",\"portfolio_return_pct\":-0.638,\"life_event_flag\":null,\"stress_flag\":false,\"stress_description\":null},{\"month\":\"2020-11\",\"month_index\":11,\"type\":\"historical\",\"net_worth\":\"$1M–$3M\",\"total_assets\":\"$1M–$3M\",\"total_liabilities\":\"$1k–$10k\",\"gross_income_month\":\"$10k–$50k\",\"net_income_month\":\"$1k–$10k\",\"total_expenses_month\":\"$1k–$10k\",\"savings_month\":\"$1k–$10k\",\"savings_rate_pct\":13.99,\"cash_balance\":\"$100k–$250k\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":0,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"<$1k\",\"transportation\":\"<$1k\",\"healthcare\":\"<$1k\",\"childcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"<$1k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":\"negative\",\"portfolio_return_pct\":-0.873,\"life_event_flag\":null,\"stress_flag\":false,\"stress_description\":null},{\"month\":\"2020-12\",\"month_index\":12,\"type\":\"historical\",\"net_worth\":\"$1M–$3M\",\"total_assets\":\"$1M–$3M\",\"total_liabilities\":\"$1k–$10k\",\"gross_income_month\":\"$10k–$50k\",\"net_income_month\":\"$1k–$10k\",\"total_expenses_month\":\"$1k–$10k\",\"savings_month\":736,\"savings_rate_pct\":8.33,\"cash_balance\":\"$100k–$250k\",\"credit_utilization_pct\":0,\"debt_payments_month\":\"<$1k\",\"dti_month\":0,\"expenses_breakdown\":{\"housing\":\"$1k–$10k\",\"utilities\":\"<$1k\",\"groceries\":\"<$1k\",\"dining_out\":\"<$1k\",\"transportation\":\"<$1k\",\"healthcare\":\"<$1k\",\"childcare\":\"<$1k\",\"education\":\"<$1k\",\"insurance_life_disability\":\"<$1k\",\"subscriptions\":\"<$1k\",\"personal_care\":\"<$1k\",\"clothing\":\"<$1k\",\"entertainment\":\"<$1k\",\"travel_vacation\":\"<$1k\",\"charitable_giving\":\"<$1k\",\"other\":\"<$1k\"},\"market_return_impact\":\"negative\",\"portfolio_return_pct\":-3.19,\"life_event_flag\":null,\"stress_flag\":false,\"stress_description\":null}],\"methodology\":{\"cmaVersion\":\"vanguard-cmm-2025\",\"cmaSource\":\"Vanguard 2025 Economic and Market Outlook (December 2024) — midpoints of published 10-year nominal expected return ranges.\",\"allocation\":{\"us_equity\":0.382,\"intl_developed\":0.201,\"em_equity\":0.067,\"us_agg_bonds\":0.19999999999999993,\"tips\":0.04499999999999999,\"high_yield\":0.04499999999999999,\"cash\":\"<$1k\",\"reit\":0.03,\"commodities\":0,\"private_equity\":0,\"hedge_funds\":0},\"allocationSummary\":{\"equityTotal\":\"<$1k\",\"bondsTotal\":\"<$1k\",\"cashTotal\":\"<$1k\",\"realAssetsTotal\":\"<$1k\",\"privateMarketsTotal\":\"<$1k\"},\"baseEquityShare\":0.67,\"riskTolerance\":\"moderate\",\"wealthTier\":\"mass_affluent\",\"inferredAge\":48,\"seed\":{\"string\":\"S-01|1|vanguard-cmm-2025\",\"uint32\":\"$30M+\"},\"realizedCagr\":0.0085,\"maxDrawdown\":0.2455,\"drawdownPeakMonth\":33,\"drawdownTroughMonth\":53,\"stressConditioned\":true,\"redrawCount\":4,\"inflationAnnualMean\":0.023,\"incomeGrowthAnnual\":\"<$1k\"},\"_truncated\":\"first 12 of 96 monthly snapshots (full trajectory + projections in the licensed corpus)\"},\"derived_ratios\":{\"emergency_fund_months\":36.9,\"fire_number\":\"$3M–$10M\",\"fire_progress_pct\":42.26,\"financial_independence_ratio\":0.4,\"debt_to_asset_ratio\":0,\"effective_tax_rate\":27.3,\"retirement_readiness_score\":30,\"overall_financial_health_score\":90.4,\"fico_min_96m\":719,\"fico_max_96m\":744,\"fico_current\":738,\"fico_projected_36m\":744},\"_sample\":{\"insufficient_for_production\":true,\"license\":\"evaluation-only\",\"redactions\":\"names/employer/metro/PII removed; dollar amounts banded; trajectory truncated\",\"full_set_url\":\"https://www.wealthschema.com/datasets\",\"note\":\"Shape and fidelity preview. The full validated corpus (96-month trajectories, exact figures, Monte-Carlo projections) is a one-time purchase.\"}}"} |
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