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PUT
/
wealth
/
accounts
/
{account_id}
/
profile
curl --request PUT \
  --url https://api.bluumfinance.com/v1/wealth/accounts/{account_id}/profile \
  --header 'Authorization: Basic <encoded-value>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "demographics": {
    "marital_status": "married",
    "number_of_dependents": 2,
    "expected_retirement_age": 65
  }
}
'
{
  "profile_id": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
  "account_id": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
  "completeness_score": 75,
  "last_assessed_at": "2023-11-07T05:31:56Z",
  "demographics": {
    "marital_status": "single",
    "number_of_dependents": 1,
    "expected_retirement_age": 59,
    "life_expectancy": 69,
    "health_status": "excellent",
    "is_us_citizen": true,
    "is_us_resident": true,
    "state_of_residence": "CA"
  },
  "employment": {
    "employment_status": "employed_full_time",
    "employer_name": "<string>",
    "job_title": "<string>",
    "industry": "<string>",
    "years_in_current_job": 1,
    "annual_gross_income": "150000.00",
    "annual_bonus": "25000.00",
    "income_growth_rate": 0.03,
    "has_stock_options": true,
    "stock_options_value": "<string>",
    "retirement_account_match": 0.06
  },
  "retirement_benefits": {
    "has_pension": true,
    "pension_monthly_amount": "<string>",
    "pension_start_age": 123,
    "social_security_estimate": "<string>",
    "social_security_start_age": 66,
    "has_deferred_compensation": true,
    "deferred_comp_value": "<string>"
  },
  "tax": {
    "filing_status": "single",
    "federal_tax_bracket": 0.32,
    "state_tax_rate": 0.093,
    "has_capital_loss_carryforward": true,
    "capital_loss_carryforward_amount": "<string>",
    "tax_loss_harvesting_preference": true,
    "estimated_quarterly_taxes": "<string>"
  },
  "insurance": {
    "has_life_insurance": true,
    "life_insurance_coverage": "<string>",
    "life_insurance_type": "term",
    "has_disability_insurance": true,
    "disability_monthly_benefit": "<string>",
    "has_long_term_care": true,
    "long_term_care_daily_benefit": "<string>",
    "has_umbrella_policy": true,
    "umbrella_coverage_amount": "<string>"
  },
  "estate_planning": {
    "has_will": true,
    "has_trust": true,
    "trust_type": "revocable",
    "has_power_of_attorney": true,
    "has_healthcare_directive": true,
    "beneficiaries_updated": true,
    "last_estate_review_date": "2023-12-25",
    "estimated_estate_value": "<string>"
  },
  "cash_flow": {
    "monthly_expenses": "8000.00",
    "monthly_savings_target": "<string>",
    "emergency_fund_months": 123,
    "discretionary_spending": "<string>",
    "major_purchases_planned": [
      {
        "description": "<string>",
        "amount": "<string>",
        "target_date": "2023-12-25"
      }
    ]
  },
  "investment_preferences": {
    "investment_style": "passive",
    "esg_screening": true,
    "esg_criteria": [
      "<string>"
    ],
    "shariah_compliant": true,
    "excluded_sectors": [
      "tobacco",
      "gambling"
    ],
    "excluded_securities": [
      "<string>"
    ],
    "excluded_countries": [
      "<string>"
    ],
    "preferred_geographies": [
      "US",
      "EU",
      "Asia-Pacific"
    ],
    "no_individual_stocks": true,
    "max_single_position_percent": "0.10",
    "max_sector_concentration_percent": "0.25",
    "currency_preference": "USD",
    "tax_efficiency_priority": "low",
    "prefer_tax_advantaged": true,
    "rebalancing_preference": "monthly"
  },
  "partner": {
    "first_name": "<string>",
    "date_of_birth": "2023-12-25",
    "employment_status": "employed_full_time",
    "annual_income": "<string>",
    "expected_retirement_age": 123,
    "has_separate_accounts": true,
    "combined_filing": true
  },
  "created_at": "2023-11-07T05:31:56Z",
  "updated_at": "2023-11-07T05:31:56Z"
}

Authorizations

​
Authorization
string
header
required

HTTP Basic Authentication using the API Key as username and API Secret as password.

Path Parameters

​
account_id
string<uuid>
required

The investor account ID

Body

application/json

Request to update investor profile sections. Only provided sections are updated (merge semantics).

​
demographics
object

Demographic information for the investor

​
employment
object

Employment and income information

​
retirement_benefits
object

Retirement benefits and social security information

​
tax
object

Tax situation and preferences

​
insurance
object

Insurance coverage information

​
estate_planning
object

Estate planning status

​
cash_flow
object

Cash flow and spending preferences

​
investment_preferences
object

User-stated investment constraints and preferences. These are inputs for the AI wealth engine when generating IPS and financial plans.

​
partner
object

Partner/spouse information (if applicable)

Response

Profile updated successfully

Comprehensive investor profile aggregating all profile domains

​
profile_id
string<uuid>
​
account_id
string<uuid>
​
completeness_score
number

Profile completeness percentage (0-100)

Required range: 0 <= x <= 100
Example:

75

​
last_assessed_at
string<date-time> | null

When the profile was last assessed for completeness

​
demographics
object

Demographic information for the investor

​
employment
object

Employment and income information

​
retirement_benefits
object

Retirement benefits and social security information

​
tax
object

Tax situation and preferences

​
insurance
object

Insurance coverage information

​
estate_planning
object

Estate planning status

​
cash_flow
object

Cash flow and spending preferences

​
investment_preferences
object

User-stated investment constraints and preferences. These are inputs for the AI wealth engine when generating IPS and financial plans.

​
partner
object

Partner/spouse information (if applicable)

​
created_at
string<date-time>
​
updated_at
string<date-time>