Improve accuracy when targeting customers. Genalytics' Premium Income Estimate is highly precise income data that provides increased accuracy when targeting customers. Built from publicly available sources and self-reported actual income, the Income Estimate was modeled using Genalytics' patented genetic algorithm technology, and has been validated against households across the U.S.

What makes it unique? Genalytics' Income Estimate incorporates regional models that reflect market conditions for various geographic areas. The resulting income estimates measure affluence levels of prospective customers with up to 75% more accuracy than leading data aggregators' equivalent scores.

• Compared to the major data compilers, Genalytics' Income Estimate reports affluence levels over 30% more accurately on average
• Genalytics' data is especially accurate when locating households with earnings in excess of $150,000
• Genalytics custom builds models to reflect market conditions for different geographic areas

The key to success. The Premium Income Estimate is the key component of the Genalytics Affluence Indicators.

Better accuracy drives successful campaigns.
Genalytics' approach to building compelling data elements like those available in the Genalytics Affluence Indicators is to focus as narrowly as possible on the factors that drive success in campaigns. OurAffluence Indicators provide a 360 degree perspective of the household affluence across the U.S. When selecting prospects for particular products or services, accurate affluence data is imperative to creating predictive models for effective direct marketing campaigns. The cornerstones of the Affluence Indicators, our Premium Income Estimate and Discretionary Income Index, enable marketers to better target the audience that has the available resources to afford the products or services they are offering.

The Genalytics Affluence Indicators include:

Use Discretion. One of the Genalytics Affluence Indicators, this index measures Discretionary Income, the amount of money a household has left for spending after the basic needs of housing, food, and clothing are met. For our index, the amount of money a household expends on education, healthcare and transportation is also considered.

The major challenges with estimating discretionary income are:

• Establishing a holistic view of all the household assets
• Correctly estimating household income
• Assessing life stage and major purchase factors such as college tuition, home mortgages, and automated savings plans that tend to depress spending capacity yet do not materially affect net worth

We pick up where others leave off. Virtually all of the available Discretionary Income estimates are based on summarized banking information or aggregated credit usage. Most national discretionary income estimates are built as a single, nationally based predictive model, which can be misleading because account balances and credit are actually a more strict measure of cash availability than discretionary income. A national model built on credit typically overlooks or generalizes local cost of living issues, and also ignores life stage information at the household level. The combination of all these factors reduces accuracy.The ability to build hundreds of models at the local level allows Genalytics to leverage nuances such as cost of living, effective tax rates, and local home values. With the inclusion of life stage data and the more accurate Genalytics’ Household Income Estimate, marketers now have a far better capacity to target the audience that has the available resources to afford the products or services being offered.

Easily reach millions of business owners and self-employed professionals at home.
Business Owners@Home is a prospect targeting database that identifies over 12 million business owners and self-employed professionals, and links them to their home addresses and household demographics. The database was created to provide a more seamless way to identify qualified individuals who would be likely to respond favorably to offers for certain high-value goods and services such as:

• Personal wealth and asset management services
• Premium retail products
• Second mortgages and mortgage refinancing
• Credit products
• Self-employed, category-specific products

You can always go home. The benefit for marketers is the ability to reach this select group of professionals at home where they are more likely to have the time and inclination to review direct mail. The Business Owners@Home database provides insight into the type and size of businesses, as well as key demographic information about the professionals' households.