| Profit Motivated | Income Motivated |
| Risk-oriented | Security-oriented |
| Credit-driven | Deposit interest rate-driven |
| Utilizes profit for more investments, more wealth | Utilizes income to purchase consumer lifestyle |
| Motivated to gain control over own destiny | Motivated to gain power over others |
| Strong individual ego | Strong team ego |
| Thinks bankers uncreative | Likes and trusts bankers |
| Considers bankers business adversaries | |
| Has minimum net worth of $150,000 excluding consumer goods, especially primary residence | Always has strong net worth ($1 million minimum) as long as personal possessions are included (because of the quality-of-life drive) |
| Show lowest possible individual, declared, annual income | Shows large declared family income |
| Nontraditional taxpayer | Traditional taxpayer |
| Provider of consumer goods | User of consumer goods |