Affluence

Affluence serves individuals working in the creator economy—content creators, creative entrepreneurs, and other high-earning individuals—providing investment management, ongoing financial planning, and expanded business management services such as bookkeeping, business tax treatment, contract review, and vendor coordination. Like many independent advisers, it charges fees based on assets under management while also using a recurring, tiered monthly membership to bundle non-investment services.

The firm develops individualized investment policies and manages discretionary portfolios using a mix of stocks, bonds, mutual funds and ETFs, and may recommend limited allocations to spot digital-asset exchange-traded products for suitably long-horizon, high-tolerance clients. Financial planning is provided on an ongoing basis through the membership tiers rather than as standalone engagements, and Affluence arranges third-party tax and bookkeeping services through preferred vendors that it pays on clients’ behalf.

Affluence’s focus on full-service business management for creators—an offering that accounts for a meaningful portion of the firm’s time—is a distinguishing feature compared with typical small independent advisers. It operates a vendor pass-through model in which it bills clients directly, pays preferred providers, and retains a margin on those services (a disclosed conflict of interest); other notable features include a discretionary, one-time first-year fee credit program, explicit limits and disclosures around digital-asset ETP recommendations, and the firm’s recently established, early-stage status with modest assets under management.