Important disclosures

About Affluence

Affluence Investing LLC (d/b/a "Affluence") is a registered adviser in the state of New York.

Visiting of Affluence Does Not Constitute Advisory Relationship

• The information on this website is provided for informational and educational purposes only. It does not constitute:

  • Investment advice or recommendations
  • An offer to sell or solicitation to buy any securities
  • Tax, legal, or accounting advice
  • A recommendation of any specific investment strategy
• No advisory relationship exists between you and Affluence simply by visiting this website or joining our access list.

Acceptance of Terms

By accessing and using this website, you agree to these Important Disclosures and our Privacy Policy. If you do not agree, please do not use this website.

Eligibility

You must be at least 18 years of age to use this website or join our access list.

Information You Provide

When you join our access list, you provide personal information including your name, email address, investment goals, and social media handles. By submitting this information, you:

• Consent to our collection and use of this information as described in our Privacy Policy
• Consent to receive updates from Affluence about our services
• Represent that all information provided is accurate and complete
• Grant us permission to access limited information from social media handles you provide

General Investment Risks

All investments involve risk, including the possible loss of principal. Past performance does not guarantee future results. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for any particular client.

No Guarantee of Results

Affluence does not guarantee any specific level of investment performance, and results may vary. Market conditions, economic factors, and other variables beyond our control affect investment outcomes.

Forward-Looking Statements

This website contains a forward-looking investment calculator to outline potential market returns when investing capital. These returns are not reflective of Affluence performance nor future potential performance. The calculator simply demonstrates potential investment returns should you return historical market returns.

Third-Party Links and Services

This website may contain links to third-party websites or services. Affluence does not control, endorse, or assume responsibility for any third-party content, products, or services. Your use of third-party websites is at your own risk.

Privacy and Data Security

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these disclosures by reference. Please review our Privacy Policy to understand our practices.

By using this website, you consent to:

• Our collection and use of information as described in the Privacy Policy
• Electronic communications from Affluence regarding our services and updates

Electronic Communications

By providing your email address, you consent to receive electronic communications from Affluence, including:

• Service announcements and updates
• Information about our launch and services
• Educational content and market insights

You may unsubscribe from promotional emails at any time by following the unsubscribe instructions in the email or contacting us directly.

Modifications

Affluence reserves the right to modify this website, these disclosures, or our services at any time without notice. Material changes to these disclosures will be posted on this page with an updated "Last Updated" date. Your continued use of the website after any changes constitutes acceptance of those changes.

Registration Status

Additional information regarding Affluence Investing LLC is available on the SEC's Investment Adviser Public Disclosure (IAPD) website at www.adviserinfo.sec.gov using our CRD number (339023)

Fee Based Firm

Affluence Investing is a fee-based firm. All compensation received by Affluence comes exclusively from clients through monthly membership fees and investment management advisory fees. Affluence does not receive referral fees, commissions, or any other payments from third-party vendors or service providers.

For services included within the monthly membership — including business tax treatment, bookkeeping, and business management support — Affluence has established pricing arrangements with preferred third-party vendors and pays those vendors directly to deliver services on the client's behalf. Clients pay Affluence; Affluence pays the vendor. Affluence does not accept payments from vendors in any form.

For additional services outside the monthly membership — such as personal income tax return preparation — the client pays an additional fee to Affluence, which in turn pays the vendor under its established pricing arrangement. Affluence may also elect to include personal tax return preparation within a client's existing membership tier as a promotional incentive at no additional charge for that period.

Additional details regarding our fee structure, service delivery model, and conflicts of interest are disclosed in our Form ADV Part 2A, available upon request.

Membership Fee Structure

Affluence offers tiered monthly membership plans designed to match each creator's stage of growth. The monthly membership fee covers access to Affluence's business management, financial planning, and tax coordination services for the applicable tier. Investment management services are charged separately based on a percentage of assets under management.

Investment management fees are tiered based on assets under management: 1.50% on the first $1,000,000; 1.00% above $1,000,000. All fees are set forth in the client's Advisory Agreement and in our Form ADV Part 2A.

First-Year Investment Match Program

Affluence offers a first-year investment match as a welcome benefit for new investment management clients. New clients who invest in an Affluence-managed account are eligible to receive a one-time fee credit equal to 1% of their invested balance as of the December 31 market close of their first calendar year with Affluence, on the lesser of actual assets under management or $100,000. The maximum one-time credit is $1,000.

The credit is applied against the client's investment management advisory fee beginning in the first quarterly billing period of the client's second calendar year with Affluence.

Important disclosures regarding this program:

• The Investment Match is a fee credit only. It does not constitute a cash payment, investment contribution, or guarantee of investment return.
• This is a one-time benefit available only in a client's first calendar year with Affluence. It does not renew in subsequent years.
• No minimum enrollment period is required — assets invested by December 31 of the first calendar year are eligible regardless of when the account was opened.
• Clients must remain active Affluence investment management clients into their second calendar year to receive the credit.
• Affluence reserves the right to modify or discontinue this program with 30 days' prior written notice.
• All investments involve risk, including the possible loss of principal. Past performance is not indicative of future results.
• This program creates a potential conflict of interest, as Affluence has a financial incentive to attract new clients and encourage year-end investment. Affluence acts as a fiduciary and is obligated to act in clients' best interests at all times. Clients should make investment decisions based solely on their own financial circumstances and needs.

Fiduciary Duty

When providing advisory services, Affluence will act as a fiduciary, meaning we are legally obligated to act in our clients' best interests at all times.

No Waiver

Our failure to enforce any provision of these disclosures shall not constitute a waiver of that provision or any other provision.

Severability

If any provision of these disclosures is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

Governing Law

These disclosures and your use of this website shall be governed by the laws of the State of New York, without regard to its conflict of law provisions.

Contact Information

If you have questions about these disclosures or our services, please contact us:

• Affluence Investing LLC
• 420 Kent Ave, 1026
• Brooklyn, NY 11249
• Phone: 203-788-2332
• Email: justin.mcbryan@useaffluence.com

Chief Compliance Officer: Justin McBryan

Important Documents

The following documents will be available to clients and prospective clients:

• Form ADV Part 2A (Firm Brochure) - Detailed information about our services, fees, and business practices
• Form ADV Part 2B (Brochure Supplement) - Information about our advisory personnel
• Form CRS (Client Relationship Summary) - A brief summary of our services, fees, and conflicts of interest
• Privacy Policy - How we collect, use, and protect your personal information
• Investment Advisory Agreement - The contract governing our advisory relationship with clients

These documents will be provided to prospective clients before an advisory relationship is established.

Acknowledgment

By using this website, joining our access list, or submitting information to Affluence, you acknowledge that:

• You have read and understand these Important Disclosures
• No advisory relationship exists between you and Affluence at this time
• Information on this website is not investment advice or a recommendation
• All investments involve risk and you may lose money
• You consent to our collection and use of your information as described in our Privacy Policy
• You agree to receive electronic communications from Affluence

Service Providers Disclosure

Affluence Investing LLC is the sole provider of investment management and financial planning services. The Lahijani Group is the sole provider of tax-related services. Tax services are provided independently and are not part of Affluence Investing LLC's investment advisory services.