Affluence

Affluence provides investment management and financial planning services to individual and high‑net‑worth clients, including non‑HNW individuals, which is an uncommon client focus for firms in the investment‑manager category. The firm advises on equities, fixed income, mutual funds, ETFs, government and municipal securities, cash equivalents, and may include exposure to digital assets as part of client portfolios.

The firm combines modern portfolio theory with both passive and active elements, employing techniques such as direct indexing, tax‑loss harvesting, and periodic rebalancing while typically managing accounts on a discretionary basis. Advisory engagements include ongoing financial planning and a structured onboarding that integrates business planning and entity formation support, with coordination of tax and accounting work through third‑party providers.

Noteworthy features include that Affluence is a recently formed, small advisory firm that reported no assets under management as of its most recent brochure, yet targets both individual and high‑net‑worth clients—an uncommon mix for its regulatory category. The firm explicitly incorporates business‑entity and S‑Corp setup into client onboarding, coordinates recurring tax preparation through recommended third‑party providers (with disclosed referral arrangements), and delivers services via an institutional custodian platform while not aggregating trades across client accounts.