Musaffa LLC

Musaffa LLC provides investment advisory services primarily to individual and high-net-worth clients through an internet-only digital platform accessible via mobile application and web. The firm offers two principal advisory paths — discretionary portfolio management delivered through a wrap-fee program and a model-based, self-directed Recommendation Advisory Service — and also makes subscription research, screening tools, and educational content available as non‑advisory services.

The firm’s recommendations and portfolio assignments begin with a standardized suitability questionnaire that places clients into one of five risk profiles and then applies a structured analytical framework combining systematic, fundamental, and quantitative analysis into composite scores. Shariah compliance, based on AAOIFI-derived standards, is integrated into security screening and scoring, and Musaffa is developing a proprietary Musaffa Islamic Socially Responsible Investing (MISRI) beta framework to incorporate Islamic ethical considerations alongside financial metrics; under the Recommendation service clients retain full discretion while Managed Portfolios are actively managed on a discretionary basis.

Noteworthy operational features include Musaffa’s role as sponsor and portfolio manager of a wrap fee program, which is relatively uncommon among independent solo advisers, alongside an internet-only distribution model that requires use of a specific custodian (Alpaca) and a fee-reserve billing mechanism. The combination of an explicit, rule‑based Shariah screening process, proprietary composite scoring, a developing MISRI framework, and mixed revenue streams (asset-based advisory fees plus paid subscriptions) distinguishes its service and operational model from many peers.