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30

The summary presented here offers a concise overview, distilled from an intricate analysis bsaed on over 10,000 data attributes appended to each individual in your sales file.  This comprehensive data, compared against a broad market-wide population, underpins the multivariate personas developed.

It is a high-level synthesis of a complex, data-rich model designed to provide actionable insights.

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annuities acquired: yes
any investments acquired: Somewhat unlikely
economic stability indicator: 5
estimated income min: $75,000
estimated income max: $99,999
last known income: $80,000
have savings plan: yes
have an online trading account: unlikely
have any annuities: Unlikely
have any account: Somewhat likely
have any privately held shares of companies or partnerships: Somewhat likely
have corporate bonds or debentures: Likely
housing investment properties owned: 2
investing interests:
Investing/Finance
Real estate
investment services consumer segment: Enviables
net worth gold min: $1,000,000
net worth gold max: $1,999,999
owns real estate property: true
retirement assets: $181,567
self directed investor: Somewhat likely
stocks and bonds investor: Somewhat likely
takes risks for chance of high return: Very unlikely
total liquid investible assets: $470,977
mortgages and loans:
home equity available: $176,000
home lendable equity available: $60,000
home loan amount total: $404,000
home loans:
amount: $404,000
date: 2013 Sept
interest rate type: Variable
lender name: JP MORGAN CHASE BK
lender standardization code: 36975
lender type: Bank
transaction type: Resale loan
type: Conventional
home loan to value: 69
home purchase amount: $505,000
in market for home purchase: Somewhat unlikely
in market for mortgage refinance: Very likely
recent home mortgage: Very likely
Multivariate Behavior Model:
cluster #: 04
group: 11B
vehicleOwnership
vehicleCount: 3
vehicleOwnership:

make: BMW
model: 6 SERIES
type: Sports luxury car
verificationDate: 20170131
year: 2010

make: Mercedes
model: C CLASS
type: Entry luxury car
verificationDate: 20170131
year: 2008
vehicleOwnership
vehicleLifestyleIndicator
Luxury/Upper sporty classification
profile:
banking and services:
online banking: true
pay bills by automatically charging to credit card: unlikely
pay bills online: Somewhat unlikely
retail banking consumer segments: Enviables
under banked: Unlikely
basic demographics:
age: 38
consumer prominence indicator: Largest marketing footprint
education level: College
employment status: Full time
gender: Male
length of residence: 3
marital status: Married
occupation: Account Executive
owner renter: Owner
political party: Democratic
adults age range:
Males 35-44
Females 35-44
baby or adoption plans: Very likely
baby plans: Very likely
children present: true
childrens age range:
Females 6-10
country of origin: India
engagement plans: Very unlikely
estimated income min: $75,000
estimated income max: $99,999
last known income: $80,000
ethnicity: Asian
generations: 2
hispanic language preference: Non-Hispanic
new career plans: Unlikely
number of adults in household: 2
number of children in household: 1
number of people in household: 3
recent college graduate: true
republican party: unlikely
birth year: 1978
birth year month: 01
credit and bank cards:
credit card types:
Bank card
Unknown
credit card user: true
heavy credit card usage: yes
never or rarely carry balance on credit cards: Somewhat unlikely
payment method counts:
master card: 1
visa: 2
other: 1
insurance:
any auto club: no
carry credit life policy: no
carry separate term life policy: no
carry separate whole life policy: no
carry universal life policy: Somewhat unlikely
carry variable life policy: Somewhat unlikely
have insurance type: likely
have long term care insurance: Somewhat unlikely
home owners insurance loan month: September
home owners insurance purchase month: September
insurance segment model #: 13B
obtain insurance: unlikely
obtain business insurance: unlikely
obtain dental insurance: likely
obtain disability insurance: unlikely
obtain identity theft insurance: unlikely
obtain life insurance method:
likely:
Veterans group
Direct from an insurance company via website
somewhat unlikely:
Work place
Many companies agent/broker
Single company agent
unlikely:
Union
Fraternal or other membership group
Direct from an insurance company via phone
obtain long term care insurance: likely
obtain medical insurance method:
likely:
Internet
somewhat unlikely:
Many companies agent/broker
very unlikely:
Single company agent
obtain mortgage insurance: yes
obtain travel insurance: yes
obtain vision care insurance: no
self and household have medical insurance: yes
vehicle insurance renewal month:
January
policies:
id: 29
is applied: true
id: 58b87fa04a57b2fbe203bc18

Includes wealthy mostly married couples in their mid-30s to early-60s with children of all ages. For those with older children, some of them are driving now, too, which means additional vehicles at home. These parents are planning for the future, investing for college expenses and taking out insurance. Before the children head off to college, though, they enjoy the here and now with casual, family-friendly activities such as cooking out, going to family restaurants, boating, watching movies and playing board games. Enjoying the third highest average income, these parents put in long hours at work, but stay active with deliberate exercise and high-energy recreation that might include bicycling, canoeing or swimming.

How They Think

Members have relied on their strong Work Ethic to achieve upper-middle-class status and now aim to instill the principle of deferred pleasure and hard work in their children to realize greater gains in the future.

Despite their solid incomes, they still have financial concerns regarding the future, especially since they want to leave a legacy for future generations. These households also possess a socially progressive streak, believing that other cultural groups should be allowed to preserve their traditions (Multiculturalism) and supporting diversity within families (racial fusion).

They deeply care about their local communities and believe that engaging in the political process can make a difference (Community Involvement, Reducing Inequality). This altruism extends to the marketplace: they tend to base purchase decisions on a company’s ethics—whether it treats employees fairly, tests products on animals, or engages in corrupt trade practices (Ethical Consumerism).

How They Live

Leisure

Yoga/Pilates, golf, rock concerts, pubs/sports bars

Shopping

Mark’s, Moores, craft supply stores, Wayfair.ca

Traditional Media

TV NFL football, Discovery Channel, new country music radio, People

Internet

Classifieds sites, discount coupons on computer, banking/finance apps, travel, purchase online

Food/Drink

Greek yogurt, cider, casual family restaurants

Financial

Mutual funds, RESPs, guaranteed life insurance, donate to educational groups

Automotive

Large pickup trucks, compact SUVs, Buick/Cadillac/Chevrolet $30,000-$49,999 spent on vehicle

Social

Snapchat, YouTube, Pinterest, audio podcasts

Mobile

Fitness trackers, access classified ads on phone, health content on phone, subscription video service on tablet

Health

Monitor diet for weight loss/management

Attitudes

“I’ve often worked as a volunteer for a committee aimed at improving an aspect of life in my community” | “My family is my number one priority over all else” | “Looking at my finances in the coming years, I think it’s going to get worse” “Regular exercise is an important part of my life”
30

The summary presented here offers a concise overview, distilled from an intricate analysis bsaed on over 10,000 data attributes appended to each individual in your sales file.  This comprehensive data, compared against a broad market-wide population, underpins the multivariate personas developed.  

It is a high-level synthesis of a complex, data-rich model designed to provide actionable insights.

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annuities acquired: yes
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economic stability indicator: 5
estimated income min: $75,000
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last known income: $80,000
have savings plan: yes
have an online trading account: unlikely
have any annuities: Unlikely
have any account: Somewhat likely
have any privately held shares of companies or partnerships: Somewhat likely
have corporate bonds or debentures: Likely
housing investment properties owned: 2
investing interests:
Investing/Finance
Real estate
investment services consumer segment: Enviables
net worth gold min: $1,000,000
net worth gold max: $1,999,999
owns real estate property: true
retirement assets: $181,567
self directed investor: Somewhat likely
stocks and bonds investor: Somewhat likely
takes risks for chance of high return: Very unlikely
total liquid investible assets: $470,977
mortgages and loans:
home equity available: $176,000
home lendable equity available: $60,000
home loan amount total: $404,000
home loans:
amount: $404,000
date: 2013 Sept
interest rate type: Variable
lender name: JP MORGAN CHASE BK
lender standardization code: 36975
lender type: Bank
transaction type: Resale loan
type: Conventional
home loan to value: 69
home purchase amount: $505,000
in market for home purchase: Somewhat unlikely
in market for mortgage refinance: Very likely
recent home mortgage: Very likely
Multivariate Behavior Model:
cluster #: 04
group: 11B
vehicleOwnership
vehicleCount: 3
vehicleOwnership:

make: BMW
model: 6 SERIES
type: Sports luxury car
verificationDate: 20170131
year: 2010

make: Mercedes
model: C CLASS
type: Entry luxury car
verificationDate: 20170131
year: 2008
vehicleOwnership
vehicleLifestyleIndicator
Luxury/Upper sporty classification
profile:
banking and services:
online banking: true
pay bills by automatically charging to credit card: unlikely
pay bills online: Somewhat unlikely
retail banking consumer segments: Enviables
under banked: Unlikely
basic demographics:
age: 38
consumer prominence indicator: Largest marketing footprint
education level: College
employment status: Full time
gender: Male
length of residence: 3
marital status: Married
occupation: Account Executive
owner renter: Owner
political party: Democratic
adults age range:
Males 35-44
Females 35-44
baby or adoption plans: Very likely
baby plans: Very likely
children present: true
childrens age range:
Females 6-10
country of origin: India
engagement plans: Very unlikely
estimated income min: $75,000
estimated income max: $99,999
last known income: $80,000
ethnicity: Asian
generations: 2
hispanic language preference: Non-Hispanic
new career plans: Unlikely
number of adults in household: 2
number of children in household: 1
number of people in household: 3
recent college graduate: true
republican party: unlikely
birth year: 1978
birth year month: 01
credit and bank cards:
credit card types:
Bank card
Unknown
credit card user: true
heavy credit card usage: yes
never or rarely carry balance on credit cards: Somewhat unlikely
payment method counts:
master card: 1
visa: 2
other: 1
insurance:
any auto club: no
carry credit life policy: no
carry separate term life policy: no
carry separate whole life policy: no
carry universal life policy: Somewhat unlikely
carry variable life policy: Somewhat unlikely
have insurance type: likely
have long term care insurance: Somewhat unlikely
home owners insurance loan month: September
home owners insurance purchase month: September
insurance segment model #: 13B
obtain insurance: unlikely
obtain business insurance: unlikely
obtain dental insurance: likely
obtain disability insurance: unlikely
obtain identity theft insurance: unlikely
obtain life insurance method:
likely:
Veterans group
Direct from an insurance company via website
somewhat unlikely:
Work place
Many companies agent/broker
Single company agent
unlikely:
Union
Fraternal or other membership group
Direct from an insurance company via phone
obtain long term care insurance: likely
obtain medical insurance method:
likely:
Internet
somewhat unlikely:
Many companies agent/broker
very unlikely:
Single company agent
obtain mortgage insurance: yes
obtain travel insurance: yes
obtain vision care insurance: no
self and household have medical insurance: yes
vehicle insurance renewal month:
January
policies:
id: 29
is applied: true
id: 58b87fa04a57b2fbe203bc18

With an average age of 41 , most are parents and established homeowners who have lived in their current house for 6+ years. In these households, life seems to revolve around the presence of children, preteens and young teens. The children impact everything from media and spending to leisure activities and vehicle choices. An eye to the next generation may also be driving some savvy saving, with this group ranked 7th for net worth. Popular activities include sports such as soccer baseball, ice skating, and swimming. These families also enjoy going to the beach, board games, playing Frisbee, attending family movies and going to the “Y.” Their spending habits – online and offline – are similarly focused on the children, with parents purchasing children’s clothing, shoes, necessities and treats.

How They Think

Members derive their core values from faith and tradition, firmly believing in the conventional definition of family and the father’s position as the head (Religiosity, Patriarchy, Traditional Families). They believe in the North American Dream and the idea that, even in middle age, they can start anew and succeed through hard work.

Their immigrant experience may contribute to their willingness to take risks in life and their conviction  that they can effect change (Penchant for Risk, Personal Control). They are comfortable questioning rules (Rejection of  Authority) and believe everyone has a social responsibility to help the less fortunate. In the marketplace, they are enthusiastic consumers and enjoy their role as influencers among their peer group (Joy of Consumption, Consumption
Evangelism).

As early adopters, they are drawn to new and cutting-edge products—particularly from well- known brands—that set them apart from others (pursuit of novelty, pursuit of originality, importance of brand). They are attracted to advertisements that are aesthetically pleasing (Advertising as Stimulus).

How They Live

Leisure

Fitness clubs, outdoor stages, carnivals, fairs and markets, pro football games

Shopping

H&M, factory outlet stores, cosmetics/skin-care stores

Traditional Media

HGTV, OOH ads on subway platforms, top 40 radio, newspaper arts and entertainment section

Internet

Auction sites, stream movies on Amazon Prime, watch music videos, purchase clothing online

Food/Drink

$250+ spent on groceries/week, diet colas, fruit and vegetable stores, Indian restaurants

Financial

Mutual funds, online trading, condo home insurance, mobile wallet

Automotive

Small vans, imported intermediate cars, Toyota, three vehicles

Social

Twitter, LinkedIn, WhatsApp, Snapchat

Mobile

Surf the internet on phone, video phone calls on phone, career/job search on tablet, listen to radio on tablet

Health

Very likely to consider laser eye surgery

Attitudes

“It is important to have a more intense and more spiritual inner life” | “The father must be the master in his house” | “Advertising is useful in helping me make a choice when buying” | “I often offer advice to people who consult me before they shop for certain items”
30

The summary presented here offers a concise overview, distilled from an intricate analysis bsaed on over 10,000 data attributes appended to each individual in your sales file.  This comprehensive data, compared against a broad market-wide population, underpins the multivariate personas developed.  

It is a high-level synthesis of a complex, data-rich model designed to provide actionable insights.

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is valid: true
reason: OK
logic gates applied: 16
status: pass
investments and assets:
acquired any: yes
active investments: true
affordability model #: 19
annuities acquired: yes
any investments acquired: Somewhat unlikely
economic stability indicator: 5
estimated income min: $75,000
estimated income max: $99,999
last known income: $80,000
have savings plan: yes
have an online trading account: unlikely
have any annuities: Unlikely
have any account: Somewhat likely
have any privately held shares of companies or partnerships: Somewhat likely
have corporate bonds or debentures: Likely
housing investment properties owned: 2
investing interests:
Investing/Finance
Real estate
investment services consumer segment: Enviables
net worth gold min: $1,000,000
net worth gold max: $1,999,999
owns real estate property: true
retirement assets: $181,567
self directed investor: Somewhat likely
stocks and bonds investor: Somewhat likely
takes risks for chance of high return: Very unlikely
total liquid investible assets: $470,977
mortgages and loans:
home equity available: $176,000
home lendable equity available: $60,000
home loan amount total: $404,000
home loans:
amount: $404,000
date: 2013 Sept
interest rate type: Variable
lender name: JP MORGAN CHASE BK
lender standardization code: 36975
lender type: Bank
transaction type: Resale loan
type: Conventional
home loan to value: 69
home purchase amount: $505,000
in market for home purchase: Somewhat unlikely
in market for mortgage refinance: Very likely
recent home mortgage: Very likely
Multivariate Behavior Model:
cluster #: 04
group: 11B
vehicleOwnership
vehicleCount: 3
vehicleOwnership:

make: BMW
model: 6 SERIES
type: Sports luxury car
verificationDate: 20170131
year: 2010

make: Mercedes
model: C CLASS
type: Entry luxury car
verificationDate: 20170131
year: 2008
vehicleOwnership
vehicleLifestyleIndicator
Luxury/Upper sporty classification
profile:
banking and services:
online banking: true
pay bills by automatically charging to credit card: unlikely
pay bills online: Somewhat unlikely
retail banking consumer segments: Enviables
under banked: Unlikely
basic demographics:
age: 38
consumer prominence indicator: Largest marketing footprint
education level: College
employment status: Full time
gender: Male
length of residence: 3
marital status: Married
occupation: Account Executive
owner renter: Owner
political party: Democratic
adults age range:
Males 35-44
Females 35-44
baby or adoption plans: Very likely
baby plans: Very likely
children present: true
childrens age range:
Females 6-10
country of origin: India
engagement plans: Very unlikely
estimated income min: $75,000
estimated income max: $99,999
last known income: $80,000
ethnicity: Asian
generations: 2
hispanic language preference: Non-Hispanic
new career plans: Unlikely
number of adults in household: 2
number of children in household: 1
number of people in household: 3
recent college graduate: true
republican party: unlikely
birth year: 1978
birth year month: 01
credit and bank cards:
credit card types:
Bank card
Unknown
credit card user: true
heavy credit card usage: yes
never or rarely carry balance on credit cards: Somewhat unlikely
payment method counts:
master card: 1
visa: 2
other: 1
insurance:
any auto club: no
carry credit life policy: no
carry separate term life policy: no
carry separate whole life policy: no
carry universal life policy: Somewhat unlikely
carry variable life policy: Somewhat unlikely
have insurance type: likely
have long term care insurance: Somewhat unlikely
home owners insurance loan month: September
home owners insurance purchase month: September
insurance segment model #: 13B
obtain insurance: unlikely
obtain business insurance: unlikely
obtain dental insurance: likely
obtain disability insurance: unlikely
obtain identity theft insurance: unlikely
obtain life insurance method:
likely:
Veterans group
Direct from an insurance company via website
somewhat unlikely:
Work place
Many companies agent/broker
Single company agent
unlikely:
Union
Fraternal or other membership group
Direct from an insurance company via phone
obtain long term care insurance: likely
obtain medical insurance method:
likely:
Internet
somewhat unlikely:
Many companies agent/broker
very unlikely:
Single company agent
obtain mortgage insurance: yes
obtain travel insurance: yes
obtain vision care insurance: no
self and household have medical insurance: yes
vehicle insurance renewal month:
January
policies:
id: 29
is applied: true
id: 58b87fa04a57b2fbe203bc18

Contains established members of their communities, situated in cities and the surrounding areas. At a mean of 55.5, slightly above the national average, they tend to be employed in white-collar, professional and technical jobs. With their upper incomes, single status and investment activities, they are not afraid to spend money on nice clothes, entertainment, home remodeling and art.  Their primary interests, outside of work and other career-oriented activities, include live music (and karaoke), fitness classes at the club, and going dancing. Sports are also an interest; they keep up with sports headliens and regularly attend sporting events, like NFL games.

How They Think

Members believe in prioritizing others’ well-being (Duty) and feel that there is much to learn from other cultures (Social Learning). Many hold progressive views on families and relationships (Flexible Families, Sexual Permissiveness) and are generally optimistic about their financial future (Financial Security) and their ability to leave a Legacy.

However, they may also feel disconnected from society (Anomie-Aimlessness), leading them to contemplate philosophical and existential questions (Spiritual Quest). Given their diverse backgrounds, many identify as global citizens and support efforts for diverse groups to share their cultural heritage with mainstream society (Culture Sampling). While they tend to use reason and logic when making decisions, they appreciate experiences that engage all their senses (Emotional Control). 

As conscientious consumers, they are drawn to products that offer an authentic brand experience and companies known for ethical practices (Brand Genuineness, Ethical Consumerism). Strongly valuing the Primacy of Environmental Protection over economic advancement, many also factor environmental concerns into their purchasing decisions (Ecological Lifestyle).

How They Live

Leisure

Yoga/Pilates, downhill skiing, dinner theatre, casinos

Shopping

Joe Fresh, 7-Eleven, craft supply stores

Traditional Media

European soccer on TV, Telelatino, religious/gospel radio, newspaper arts and entertainment section

Internet

Beauty/fashion sites, group-buying sites, download coupons, purchase sporting events tickets online

Food/Drink

Organic meat, wine, ethnic restaurants, fast-food restaurants

Financial

Mutual funds, condo home insurance, Sick Children’s Hospital, Lottery

Automotive

Intermediate cars, compacts, imported brands, 2008 or older model year

Social

Reddit, WhatsApp, WeChat, LinkedIn

Mobile

Watch TV shows on phone, listen to radio/podcast on phone, read e-books on phone, online dating on phone

Health

Eat/drink diet control meal replacements

Attitudes

“I like trying to take advantage of the unforeseen, of opportunities that present themselves” | “The Internet enables me to belong and be accepted by my friends” | “It is important to me to regularly get away from all responsibilities and burdens” “I am willing to pay more for brand-name products”
30

The summary presented here offers a concise overview, distilled from an intricate analysis bsaed on over 10,000 data attributes appended to each individual in your sales file.  This comprehensive data, compared against a broad market-wide population, underpins the multivariate personas developed.  

It is a high-level synthesis of a complex, data-rich model designed to provide actionable insights.

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email:
is valid: true
reason: OK
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status: pass
investments and assets:
acquired any: yes
active investments: true
affordability model #: 19
annuities acquired: yes
any investments acquired: Somewhat unlikely
economic stability indicator: 5
estimated income min: $75,000
estimated income max: $99,999
last known income: $80,000
have savings plan: yes
have an online trading account: unlikely
have any annuities: Unlikely
have any account: Somewhat likely
have any privately held shares of companies or partnerships: Somewhat likely
have corporate bonds or debentures: Likely
housing investment properties owned: 2
investing interests:
Investing/Finance
Real estate
investment services consumer segment: Enviables
net worth gold min: $1,000,000
net worth gold max: $1,999,999
owns real estate property: true
retirement assets: $181,567
self directed investor: Somewhat likely
stocks and bonds investor: Somewhat likely
takes risks for chance of high return: Very unlikely
total liquid investible assets: $470,977
mortgages and loans:
home equity available: $176,000
home lendable equity available: $60,000
home loan amount total: $404,000
home loans:
amount: $404,000
date: 2013 Sept
interest rate type: Variable
lender name: JP MORGAN CHASE BK
lender standardization code: 36975
lender type: Bank
transaction type: Resale loan
type: Conventional
home loan to value: 69
home purchase amount: $505,000
in market for home purchase: Somewhat unlikely
in market for mortgage refinance: Very likely
recent home mortgage: Very likely
Multivariate Behavior Model:
cluster #: 04
group: 11B
vehicleOwnership
vehicleCount: 3
vehicleOwnership:

make: BMW
model: 6 SERIES
type: Sports luxury car
verificationDate: 20170131
year: 2010

make: Mercedes
model: C CLASS
type: Entry luxury car
verificationDate: 20170131
year: 2008
vehicleOwnership
vehicleLifestyleIndicator
Luxury/Upper sporty classification
profile:
banking and services:
online banking: true
pay bills by automatically charging to credit card: unlikely
pay bills online: Somewhat unlikely
retail banking consumer segments: Enviables
under banked: Unlikely
basic demographics:
age: 38
consumer prominence indicator: Largest marketing footprint
education level: College
employment status: Full time
gender: Male
length of residence: 3
marital status: Married
occupation: Account Executive
owner renter: Owner
political party: Democratic
adults age range:
Males 35-44
Females 35-44
baby or adoption plans: Very likely
baby plans: Very likely
children present: true
childrens age range:
Females 6-10
country of origin: India
engagement plans: Very unlikely
estimated income min: $75,000
estimated income max: $99,999
last known income: $80,000
ethnicity: Asian
generations: 2
hispanic language preference: Non-Hispanic
new career plans: Unlikely
number of adults in household: 2
number of children in household: 1
number of people in household: 3
recent college graduate: true
republican party: unlikely
birth year: 1978
birth year month: 01
credit and bank cards:
credit card types:
Bank card
Unknown
credit card user: true
heavy credit card usage: yes
never or rarely carry balance on credit cards: Somewhat unlikely
payment method counts:
master card: 1
visa: 2
other: 1
insurance:
any auto club: no
carry credit life policy: no
carry separate term life policy: no
carry separate whole life policy: no
carry universal life policy: Somewhat unlikely
carry variable life policy: Somewhat unlikely
have insurance type: likely
have long term care insurance: Somewhat unlikely
home owners insurance loan month: September
home owners insurance purchase month: September
insurance segment model #: 13B
obtain insurance: unlikely
obtain business insurance: unlikely
obtain dental insurance: likely
obtain disability insurance: unlikely
obtain identity theft insurance: unlikely
obtain life insurance method:
likely:
Veterans group
Direct from an insurance company via website
somewhat unlikely:
Work place
Many companies agent/broker
Single company agent
unlikely:
Union
Fraternal or other membership group
Direct from an insurance company via phone
obtain long term care insurance: likely
obtain medical insurance method:
likely:
Internet
somewhat unlikely:
Many companies agent/broker
very unlikely:
Single company agent
obtain mortgage insurance: yes
obtain travel insurance: yes
obtain vision care insurance: no
self and household have medical insurance: yes
vehicle insurance renewal month:
January
policies:
id: 29
is applied: true
id: 58b87fa04a57b2fbe203bc18

Members are over the age of 45, wealthy and devoid of children under the age of 18 in the home. They are well educated and well compensated in professional and managerial white-collar jobs. They manage their money wisely, many being active investors; nearly two-thirds have accrued net worth of $250,000 to $1 million. With a third having lived at their residence for 6-14 years, and another third for 15+ years, these homeowners are well established in their communities. They are likely to own a recreational vehicle and enjoy travel to Hawaii and to national parks. Their substantial discretionary time and money are often spent on high-quality clothing, dining out, boating and attending live theater or sporting events. Many are also community activists and volunteers, belonging to charitable, religious and civic organizations. They tend to use the internet for tracking and trading investments, travel, and news. They often like sports talk radio, and cable TV choices include HGTV, Food Network, History Channel, Travel Channel, sports, and news shows.

How They Think

Members have worked hard to achieve their upscale status, adhering to the straightforward principles that brought them success. They are content living with a certain level of chaos and maintain an optimistic view of the future (Rejection of Orderliness, Personal Optimism).

They embrace diversity, even within their own families, and believe that interacting with people from different backgrounds enriches their lives and satisfies their interest in exploration and discovery (Racial Fusion, Social Learning). They are more likely to define families based on emotional commitment rather than legal formalities (Flexible Families). Many have a strong sense of duty, prioritizing their obligations to others above their personal interests and striving to leave a Legacy for future generations.

At times, these impulses can leave them feeling weary and longing for relief from daily stresses (Need for Escape). Valuing appearance, they are image-driven and enjoy expressing their individuality through personal touches and unique embellishments (Pursuit of Originality).

How They Live

Leisure

Swimming, baseball, amusement parks, travel by RV/camper

Shopping

Winners, Old Navy, Mastermind, Home Depot

Traditional Media

Family Channel, top 40 radio, The Hockey News, Today’s Parent

Internet

Listen to Internet-only music, online discount coupons on computer, research pets online, purchase theater tickets online

Food/Drink

Tortilla wraps, granola bars, Pizza Hut, casual family restaurants

Financial

Mutual funds, RESPs, group life insurance, spend $5,000+/month on credit cards

Automotive

Intermediate SUVs, Ford/Lincoln, $30,000-$49,999 spent on vehicle, 2013-2015 model years

Social

Pinterest, LinkedIn, Twitter, Reddit

Mobile

Research products/services on phone, access reviews on tablet, subscription-based video on tablet

Health

Used topical pain relief 3-5 times in past month

Attitudes

“It is important that the country should hold a strong position in the world” | “I need to escape the stress and responsibilities of everyday life” | “I have made plans for those I love after I die” | “I am open to receiving relevant marketing messages on my mobile device”
30

The summary presented here offers a concise overview, distilled from an intricate analysis bsaed on over 10,000 data attributes appended to each individual in your sales file.  This comprehensive data, compared against a broad market-wide population, underpins the multivariate personas developed.  

It is a high-level synthesis of a complex, data-rich model designed to provide actionable insights.

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name: [hiddenforprivacy]
phone: +[hiddenforprivacy]
postal code: 07306
homeowner: yes
test: true
status: good
validations check:
is valid: true
email:
is valid: true
reason: OK
logic gates applied: 16
status: pass
investments and assets:
acquired any: yes
active investments: true
affordability model #: 19
annuities acquired: yes
any investments acquired: Somewhat unlikely
economic stability indicator: 5
estimated income min: $75,000
estimated income max: $99,999
last known income: $80,000
have savings plan: yes
have an online trading account: unlikely
have any annuities: Unlikely
have any account: Somewhat likely
have any privately held shares of companies or partnerships: Somewhat likely
have corporate bonds or debentures: Likely
housing investment properties owned: 2
investing interests:
Investing/Finance
Real estate
investment services consumer segment: Enviables
net worth gold min: $1,000,000
net worth gold max: $1,999,999
owns real estate property: true
retirement assets: $181,567
self directed investor: Somewhat likely
stocks and bonds investor: Somewhat likely
takes risks for chance of high return: Very unlikely
total liquid investible assets: $470,977
mortgages and loans:
home equity available: $176,000
home lendable equity available: $60,000
home loan amount total: $404,000
home loans:
amount: $404,000
date: 2013 Sept
interest rate type: Variable
lender name: JP MORGAN CHASE BK
lender standardization code: 36975
lender type: Bank
transaction type: Resale loan
type: Conventional
home loan to value: 69
home purchase amount: $505,000
in market for home purchase: Somewhat unlikely
in market for mortgage refinance: Very likely
recent home mortgage: Very likely
Multivariate Behavior Model:
cluster #: 04
group: 11B
vehicleOwnership
vehicleCount: 3
vehicleOwnership:

make: BMW
model: 6 SERIES
type: Sports luxury car
verificationDate: 20170131
year: 2010

make: Mercedes
model: C CLASS
type: Entry luxury car
verificationDate: 20170131
year: 2008
vehicleOwnership
vehicleLifestyleIndicator
Luxury/Upper sporty classification
profile:
banking and services:
online banking: true
pay bills by automatically charging to credit card: unlikely
pay bills online: Somewhat unlikely
retail banking consumer segments: Enviables
under banked: Unlikely
basic demographics:
age: 38
consumer prominence indicator: Largest marketing footprint
education level: College
employment status: Full time
gender: Male
length of residence: 3
marital status: Married
occupation: Account Executive
owner renter: Owner
political party: Democratic
adults age range:
Males 35-44
Females 35-44
baby or adoption plans: Very likely
baby plans: Very likely
children present: true
childrens age range:
Females 6-10
country of origin: India
engagement plans: Very unlikely
estimated income min: $75,000
estimated income max: $99,999
last known income: $80,000
ethnicity: Asian
generations: 2
hispanic language preference: Non-Hispanic
new career plans: Unlikely
number of adults in household: 2
number of children in household: 1
number of people in household: 3
recent college graduate: true
republican party: unlikely
birth year: 1978
birth year month: 01
credit and bank cards:
credit card types:
Bank card
Unknown
credit card user: true
heavy credit card usage: yes
never or rarely carry balance on credit cards: Somewhat unlikely
payment method counts:
master card: 1
visa: 2
other: 1
insurance:
any auto club: no
carry credit life policy: no
carry separate term life policy: no
carry separate whole life policy: no
carry universal life policy: Somewhat unlikely
carry variable life policy: Somewhat unlikely
have insurance type: likely
have long term care insurance: Somewhat unlikely
home owners insurance loan month: September
home owners insurance purchase month: September
insurance segment model #: 13B
obtain insurance: unlikely
obtain business insurance: unlikely
obtain dental insurance: likely
obtain disability insurance: unlikely
obtain identity theft insurance: unlikely
obtain life insurance method:
likely:
Veterans group
Direct from an insurance company via website
somewhat unlikely:
Work place
Many companies agent/broker
Single company agent
unlikely:
Union
Fraternal or other membership group
Direct from an insurance company via phone
obtain long term care insurance: likely
obtain medical insurance method:
likely:
Internet
somewhat unlikely:
Many companies agent/broker
very unlikely:
Single company agent
obtain mortgage insurance: yes
obtain travel insurance: yes
obtain vision care insurance: no
self and household have medical insurance: yes
vehicle insurance renewal month:
January
policies:
id: 29
is applied: true
id: 58b87fa04a57b2fbe203bc18

With top incomes and climbing net worth, paired with a mean age of just 34, members are well positioned for the future. While their jobs are likely to require long hours and supervisory responsibilities, many still find time for a variety of leisure activities. They enjoy sporting events and concerts, watching sports channels and HGTV, participating in fantasy sports, and adventurous outdoor recreation such as hiking and backpacking. They shop online and will likely pay for quality. This group also appreciates fine dining, and many make sure to go to the fitness club or day spa to keep in shape. More than half are married; none have children in the home. Many have moved into a single- family home within the last two years, adding new home mortgages and decorating expenses to their existing student and car loans.

How They Think

These immigrant members feel comfortable in their adopted country and optimistic about their future (Personal Optimism). They have demonstrated their Penchant for Risk in deciding to uproot their families and fervently believe in the North American Dream.

While these younger families sometimes feel overwhelmed (Time Stress), they accept the outcomes of their decisions, both good and bad (Just Deserts). They support diverse communities and their desire to preserve their distinctive cultures (Multiculturalism) and seek to incorporate those cultural influences into their lives (Culture Sampling). In their neighborhoods, they show their social status through well-maintained homes decorated with objects conveying affluence (Status via Home, Ostentatious Consumption).

They are eager to discover new products and integrate them into their daily lives but are also attracted to items for their aesthetics rather than functionality (Pursuit of Novelty, Importance of Aesthetics). These consumers particularly enjoy making purchases in their areas of interest (Consumptivity) to exercise their role as influencers among their peer group (Consumption Evangelism).

How They Live

Leisure

Camping, bowling, amusement parks, beach/resort package tours

Shopping

Joe Fresh, Home Depot, compare products/prices while shopping

Traditional Media

TV rugby, top-40 radio, parenting/babies magazines, newspaper sports sections

Internet

Access food/recipes content, download video content, sports sites, purchase clothing/footwear online

Food/Drink

Gluten-free products, herbal tea, Sobeys, sub/sandwich restaurants

Financial

Online trading, GICs RESPs, universal life insurance, spend $5,000+/month on credit cards

Automotive

Intermediate SUVs, Honda, $30,000-$49.999 spent on vehicle, 2017-2019 model years

Social

Twitter, Snapchat, WhatsApp, Reddit

Mobile

Mobile wallet, four or more phones, beauty/fashion sites on tablet, collect loyalty points on phone

Health

Use home teeth-whitening products

Attitudes

“It is important to me that people admire the things I own” | “I like being in a large crowd ” | “The Internet improves the relationships I have with other people” | “I often buy things just because they are beautiful, whether or not they are practical”

Customer Records Analysis

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Customer Records Analysis

Understanding your customers is the cornerstone of effective business decisions. By uploading your customer records, you provide our team of data scientists with the opportunity to analyze your data and model your customers into insightful personas. This deeper analysis will enable more personalized and impactful interactions on our platform.

Important Guidelines:

  • Data Volume: Provide a minimum of 2,500 records to ensure a comprehensive analysis.
  • Time Frame: Only the most recent 2 years of records will be accepted for analysis.
  • File Format: Ensure your data is structured according to our specifications. If you’re unsure about the format, download our sample template to guide you.
  • Upload Limit: Each user is allowed a maximum of two uploads per month. Once submitted, there is no way to re-submit, and the submission will count against your monthly limit.
  • Data Quality: It’s essential that your data is cleansed and complete. Records with missing data will be excluded from the analysis, so take a moment to ensure accuracy before uploading.
  • Post-upload Process: After you’ve uploaded your records, our experts will embark on the data analysis journey. You’ll receive a notification once the modeling is complete.

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