Best way to model User Schema with varying roles?

Let’s say I have a user document:

    firstName: John,
    lastName: Doe,
    password: @#@#^#&^*,
    roles: ['client', 'agent', 'owner'],

What is the best way to allow certain properties only on a specific role (one account can have multiple roles)? For example, client can leave a review but owner can’t. If a user only has an owner role, I don’t want the review property in the user document.