The Most Reliable
Segmentation Tool of Spending
Capacity for Affluent Households in the U.S
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About TruWealth
The TruWealth® Ratings System is the first-ever consumer segmentation system based entirely on the Discretionary Spending Power of American consumers.

It was developed to provide direct marketers with an opportunity to segment their files so that each prospect/customer receives the appropriate offer.

The TruWealth® Ratings were designed to provide a minimum of 20 to 30 percent more predictive power for wealth, income, and discretionary spending than any other segmentation system can provide.

TruWealth has over 10 years of actual invested assets as its foundation which is reported by participating financial services providers.
The 85 Data contributors include:
  • 25 Full-Service Brokerage Firms
  • 20 of the Top 30 Banks
  • 13 of the Top 15 Annuity Issuers
  • All 5 Wire Houses

TruWealth's Database Measures $8 Trillion +
of Invested Assets:
  • 70% of Brokerage Assets
  • 50% of Bank Deposits
  • 90% of Mutual Fund Assets
Old Versus New
Old Measures
  
Net
Worth		 HH
Income		 Home
Value		 Credit
Score		  
Down Arrow: Down Arrow: Down Arrow: Down Arrow:  
New Measures
  
Financial Assets Discretionary Income Home Equity Credit Access TruWealth
Non-retirement
liquid asset scores
based on known
transactions		 TW HH Income
- Cons. Expenditures
- COLA factors
- Lifestage factors		 Home Value
- Mortgage Balance
- Lending rules		 Credit lines
available,
including
home equity
Continuous
score of 1-1000
to rank &
compare
spending power
of consumers
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