6.1.1The Apex
In their fifties the Phase-VI subject typically reaches the peak of their lifetime earnings and the peak of their holdings. The dwelling is largely paid down. The retirement accounts are fully funded. The career rests in a stable Senior tier. The household has launched its children or is preparing to. The subject is, by every published indicator, at the apex of the standard lifecycle.
The Office presents the apex as the reward for the prior Phases. The subject often agrees. The agreement is the desired posture for the work of Phase VI that follows.
6.1.2The Capital Architecture
The standard Phase-VI subject's capital architecture, by instrument class.
Fig. 6.1.A — Standard Phase-VI capital allocation (cohort median, age 55)