Results: 42
Hover over the underlined cluster name or icons for more information.
Group A
Starting Out
Major Metro | Age < 35
A1. Getting By
Ambitious, young singles relying on modest incomes and few assets. Simple finances. Rent their apartments.
% of HHs: 3.0%
Assets: $0.9K
Income: $48.1K
Spending: $28.3K
Credit Use: High
Group A
Starting Out
Major Metro | Age < 35
A2. Financial Challenges
Young, single renters with low incomes and almost no assets. Spend little. Generally lower credit scores. Simple finances.
% of HHs: 0.6%
Assets: $0.1K
Income: $25.5K
Spending: $12.8K
Credit Use: Very High
Group A
Starting Out
Major Metro | Age < 35
A3. Planners
Young, married couples that have started investing in mutual funds and accumulating retirement assets. Have a mortgage and may have lower than average credit scores.
% of HHs: 1.7%
Assets: $17.6K
Income: $70.6K
Spending: $35.1K
Credit Use: High
Group A
Starting Out
Major Metro | Age < 35
A4. New Investors
Young investors strategically using their financial resources to invest in funds, stocks, and interest-bearing accounts. Many lines of credit.
% of HHs: 1.9%
Assets: $55.5K
Income: $95.8K
Spending: $45.9K
Credit Use: Moderate
Group B
Working Class
Major Metro | Age 35-54
B5. Financial Challenges
Singles and married couples with minimal education. Utilize credit heavily and have few, if any, assets and financial investments.
% of HHs: 2.9%
Assets: $0.1K
Income: $46.7K
Spending: $17.7K
Credit Use: High
Group B
Working Class
Major Metro | Age 35-54
B6. Conservative Savers
Singles with moderate incomes and few assets. Invest in a mix of simple, low-risk, interest-earning deposits. Lower than average credit scores.
% of HHs: 3.7%
Assets: $29.9K
Income: $64.3K
Spending: $30.1K
Credit Use: High
Group B
Working Class
Major Metro | Age 35-54
B7. Credit Reliant
Moderate-income families with simple financial investments like deposit accounts. High likelihood of low credit score. High mortgage balance relative to income.
% of HHs: 2.1%
Assets: $7.2K
Income: $76.6K
Spending: $32.3K
Credit Use: High
Group B
Working Class
Major Metro | Age 35-54
B8. Investors
Moderate-income families aiming for a diversified portfolio, including a heavy proportion of mutual funds and retirement funds. Moderate credit usage.
% of HHs: 3.1%
Assets: $60.8K
Income: $109.9K
Spending: $42.3K
Credit Use: Moderate
Group C
Uncertain Future
Major Metro | Age 55-64
C9. Financial Challenges
Singles, most with no kids at home, preparing for retirement. Rely on modest incomes and minimal assets. Few lines of credit and may have adverse credit information.
% of HHs: 1.3%
Assets: $2.2K
Income: $43.3K
Spending: $13.2K
Credit Use: High
Group C
Uncertain Future
Major Metro | Age 55-64
C10. Credit Reliant
Married couples without children who are nearing retirement. Modest incomes and assets, including deposits and mutual funds. Reliant on credit and may have lower credit scores.
% of HHs: 0.7%
Assets: $5.5K
Income: $69.4K
Spending: $29.8K
Credit Use: High
Group C
Uncertain Future
Major Metro | Age 55-64
C11. Conservative Savers
Mature, childless single and married households with moderate incomes and assets. Invest in interest-earning deposits and carry moderate credit balances.
% of HHs: 1.5%
Assets: $42.2K
Income: $58.7K
Spending: $27.6K
Credit Use: High
Group C
Uncertain Future
Major Metro | Age 55-64
C12. Investors
Pre-retirement couples with reasonable earnings and assets. Moderately use credit and invest heavily in low-risk investments and annuities. Retirement-focused.
% of HHs: 1.4%
Assets: $56.6K
Income: $97.2K
Spending: $35.3K
Credit Use: Moderate
Group D
Social Security Seniors
Major Metro | Age 65+
D13. Minimal Assets
Retired single and married couples with virtually no assets. Little credit. Uninvolved in banking activities.
% of HHs: 1.2%
Assets: $3.1K
Income: $27.7K
Spending: $9.4K
Credit Use: Very High
Group D
Social Security Seniors
Major Metro | Age 65+
D14. Very Elderly
Senior households living off minimal assets. Prefer low-risk investments, including interest bearing deposits. Moderate credit scores.
% of HHs: 1.3%
Assets: $41.2K
Income: $46.7K
Spending: $22.7K
Credit Use: Moderate
Group D
Social Security Seniors
Major Metro | Age 65+
D15. Conservative Savers
Older, mostly retired, childless, married couples and singles with modest assets. Most savings in CDs and other deposit products. Lower credit scores.
% of HHs: 1.6%
Assets: $7.5K
Income: $57.2K
Spending: $27.3K
Credit Use: High
Group D
Social Security Seniors
Major Metro | Age 65+
D16. Mixed Investments
Retired, empty-nester singles and couples with a mix of low-risk investments, including mutual funds and deposits. Many lines of credit and moderate credit balance relative to income.
% of HHs: 1.7%
Assets: $62.2K
Income: $76.5K
Spending: $31.5K
Credit Use: High
Group E
Youthful Promise
Major Metro | Age < 35
E17. Planners
Young married couples and families with fair assets and income. Hold relatively complex, high-risk investments. Many lines of credit, but low credit utilization.
% of HHs: 1.1%
Assets: $201.1K
Income: $146.6K
Spending: $78.5K
Credit Use: Moderate
Group E
Youthful Promise
Major Metro | Age < 35
E18. Credit Dependent
Households with moderate assets and several high-risk investments. Heavily dependent on credit. Some likely paying off student loans.
% of HHs: 0.4%
Assets: $152.6K
Income: $87K
Spending: $39.9K
Credit Use: High
Group E
Youthful Promise
Major Metro | Age < 35
E19. Mixed Investments
Professional college graduates enjoying good earnings and assets. Manage credit accounts well and have a mix of generally higher risk investments.
% of HHs: 1.1%
Assets: $176.7K
Income: $111.8K
Spending: $54.4K
Credit Use: Low
Group E
Youthful Promise
Major Metro | Age < 35
E20. Thriving Investors
Thirty-something professionals with significant earnings and assets. Have complex and diversified portfolios. High discretionary spending and relatively low use of credit.
% of HHs: 0.7%
Assets: $560.7K
Income: $179.2K
Spending: $143.2K
Credit Use: Low
Group F
Rising Stars
Major Metro | Age 35-54
F21. Credit-Active Investors
Educated, possibly married, professionals with kids. Moderate assets and income. Highly leveraged. Maintain moderate credit scores. Fairly risky portfolio.
% of HHs: 1.3%
Assets: $198.9K
Income: $103.9K
Spending: $42.4K
Credit Use: High
Group F
Rising Stars
Major Metro | Age 35-54
F22. Retirement Planners
Professional families with healthy assets, income and spending. Complex portfolios, focused on retirement planning. Maintain many credit relationships.
% of HHs: 3.3%
Assets: $264.1K
Income: $154.3K
Spending: $61.9K
Credit Use: Moderate
Group F
Rising Stars
Major Metro | Age 35-54
F23. Savers
Professional families and singles, savers with fair assets and income. Conservative investors with a retirement plan. Maintain low credit balances relative to income.
% of HHs: 2.4%
Assets: $190.4K
Income: $108.8K
Spending: $43.9K
Credit Use: Low
Group F
Rising Stars
Major Metro | Age 35-54
F24. Investors
Somewhat risk-tolerant families seeking a diverse, complex portfolio. “Swayable Shopaholics” that prefer to buy the best. High assets and low credit utilization.
% of HHs: 2.7%
Assets: $653.8K
Income: $179.7K
Spending: $104.2K
Credit Use: Low
Group G
Safe and Secure
Major Metro | Age 55-64
G25. Credit-Active Investors
Heavy credit users with multiple credit lines/accounts. Pre-retirement couples with complex portfolios. Moderate assets and incomes.
% of HHs: 0.6%
Assets: $208.2K
Income: $87.6K
Spending: $35.6K
Credit Use: High
Group G
Safe and Secure
Major Metro | Age 55-64
G26. Savers
Mature, financially secure, somewhat risk averse, savers. Use credit minimally. Married couples and singles ready for retirement.
% of HHs: 1.5%
Assets: $175.1K
Income: $105.4K
Spending: $39.2K
Credit Use: Moderate
Group G
Safe and Secure
Major Metro | Age 55-64
G27. Retirement Planners
Married homeowners with good assets and earnings. Portfolios consist of higher-risk mutual funds and stocks. Manage credit well. Planning for retirement.
% of HHs: 1.5%
Assets: $283.4K
Income: $128K
Spending: $43.5K
Credit Use: Moderate
Group G
Safe and Secure
Major Metro | Age 55-64
G28. Investors
Married, childless households with high assets and incomes. Maintain good credit and complex portfolios. Risk-tolerant.
% of HHs: 1.8%
Assets: $669K
Income: $161.8K
Spending: $68.9K
Credit Use: Low
Group H
Respected Seniors
Major Metro | Age 65+
H29. Post-Retirement Mix
Retirees with adequate assets and income. Financially well organized and spend modestly. Conservative investors with many credit lines but low utilization.
% of HHs: 2.7%
Assets: $187.2K
Income: $89.6K
Spending: $34.7K
Credit Use: Moderate
Group H
Respected Seniors
Major Metro | Age 65+
H30. Very Elderly
Older households with healthy assets and income. Low credit utilization. Spend little and prefer face-to-face financial transactions.
% of HHs: 1.6%
Assets: $408.5K
Income: $79K
Spending: $33.5K
Credit Use: Low
Group H
Respected Seniors
Major Metro | Age 65+
H31. Complex Investments
Highly educated singles and couples with a complex portfolio and significant assets. Conservative spenders that rarely max out their credit.
% of HHs: 2.8%
Assets: $634.1K
Income: $133K
Spending: $52.1K
Credit Use: Low
Group I
Young Millionaires
Major Metro | Age < 35
I32. Young Investors
Young, financially-savvy households with $1M+ in assets, healthy incomes and high spending. Have a complex, mutual fund-heavy mix of investments. Use credit moderately.
% of HHs: 0.3%
Assets: $1.6M
Income: $214.5K
Spending: $244.7K
Credit Use: Very Low
Group J
High-Powered Careers
Major Metro | Age 35-54
J33. Planners
Well educated, married homeowners with very complex banking and investment profiles. Have substantial assets and incomes. Limited use of credit.
% of HHs: 1.1%
Assets: $1.5M
Income: $213.7K
Spending: $149.3K
Credit Use: Very Low
Group J
High-Powered Careers
Major Metro | Age 35-54
J34. Accumulators
Affluent singles and families with a complex investment mix of primarily mutual funds and deposits. Low credit use.
% of HHs: 0.5%
Assets: $1.4M
Income: $187.9K
Spending: $131.5K
Credit Use: Very Low
Group J
High-Powered Careers
Major Metro | Age 35-54
J35. Investors
Families with substantial incomes and heavy spending habits. Use credit wisely and hold their $1M+ assets in a complex variety of financial products.
% of HHs: 0.6%
Assets: $1.9M
Income: $228.8K
Spending: $167.7K
Credit Use: Very Low
Group J
High-Powered Careers
Major Metro | Age 35-54
J36. High Worth
Super-wealthy, risk-tolerant families with substantial assets in a complex mix of investments, including stocks, bonds and mutual funds. “Buyers of the Best.”
% of HHs: 0.4%
Assets: $5.4M
Income: $435.5K
Spending: $352.8K
Credit Use: Very Low
Group K
Successful Executives
Major Metro | Age 55-64
K37. Accumulators
Married, well-off empty nesters with complex portfolios that show a bias for stocks and mutual funds. High Risk investments. Highly insured. Use credit sparingly
% of HHs: 0.6%
Assets: $1.4M
Income: $178K
Spending: $97.5K
Credit Use: Very Low
Group K
Successful Executives
Major Metro | Age 55-64
K38. Investors
Wealthy households with complex portfolios containing high-risk investments, mainly stocks and mutual funds. Advice-oriented. Well managed credit.
% of HHs: 0.7%
Assets: $1.6M
Income: $187.4K
Spending: $116.8K
Credit Use: Very Low
Group K
Successful Executives
Major Metro | Age 55-64
K39. Very Wealthy
Ultra-wealthy, mature households heading into comfortable retirement. Very high incomes, very high spending, and a highly complex investment mix. Advisor-oriented and risk tolerant.
% of HHs: 0.5%
Assets: $4.7M
Income: $297.7K
Spending: $196.1K
Credit Use: Very Low
Group L
Eminent and Wealthy
Major Metro | Age 65+
L40. Well-Planned Retirement
Retired, married homeowners with a complex mix of investments, heavily focused on funds. Use credit wisely. Have well-planned retirement.
% of HHs: 1.9%
Assets: $1.7M
Income: $169.9K
Spending: $86.9K
Credit Use: Very Low
Group L
Eminent and Wealthy
Major Metro | Age 65+
L41. Very Elderly
Seniors with considerable assets. Complex, high-risk portfolios contain deposits, mutual funds and stocks. Use credit sparingly and limit their balances.
% of HHs: 1.2%
Assets: $1.6M
Income: $138.2K
Spending: $64.9K
Credit Use: Very Low
Group L
Eminent and Wealthy
Major Metro | Age 65+
L42. Wealthiest
Wealthiest cluster. Retired, married couples with high incomes and over $5M in assets. Complex portfolios with high proportion of stocks. Work with financial advisors.
% of HHs: 0.9%
Assets: $5.7M
Income: $228.4K
Spending: $168K
Credit Use: Very Low