Stop treating volatile creator revenue like a stable paycheck.
MuseVest delivers planning systems designed for platform-based income—managing seasonality, tax complexity, and behavioral triggers that traditional finance ignores. Whether you're earning $100K or $500K annually across YouTube, brand deals, courses, and consulting, we help you build real wealth despite income swings.
Your monthly income swings 40-60% without warning. Algorithm changes, seasonal trends, and campaign timing create feast-or-famine cycles. Traditional advisors say "try to smooth it out"—impossible advice for platform-based revenue.
No employer withholding means surprise $50K+ tax bills in April. Quarterly estimates, multi-state obligations, and self-employment tax create complexity that generic software can't handle. One missed quarter costs thousands in penalties.
High-income months trigger lifestyle inflation. Low-income months create panic withdrawals from investments. Without behavioral guardrails, you earn $200K+ but end each year with minimal savings and maximum stress.
We flip traditional wealth management. Survival systems first, growth second.
Connect your accounts (Plaid secure, read-only). Our AI engine calculates your income volatility (σ/μ), seasonal patterns, platform concentration, and behavioral fragility score—metrics traditional advisors never measure.
Based on your analysis, you're assigned to Tier 1-4. Each tier has specific portfolio allocations designed for your volatility pattern. High volatility = maximum stability. Low volatility = balanced growth.
Before any investing, we engineer your financial survival: 12-18 month emergency reserves, automated 35% tax reserve for quarterly obligations, and a 6-tier liquidity ladder cash allocation system.
Automated systems prevent emotional mistakes: spending alerts, 24-hour cooling-off for large withdrawals, income smoothing during high-earning months, and crisis mode activation if runway drops below 3 months.
Only after survival systems are established do we implement tier-appropriate investment strategies. Conservative for high volatility, growth-focused for stable income—always aligned with your creator reality.
Quantifies dimensions traditional advisors ignore: income volatility ratio (σ/μ), seasonality scores, platform concentration, behavioral fragility. Your tier assignment determines everything—portfolio allocation, runway targets, behavioral interventions.
Runway Calculator (model income scenarios), Tax Buffer System (automated quarterly reserves), Liquidity Ladder Builder (6-tier cash organization), Scenario Planner ("what-if" stress testing).
Automated interventions prevent wealth destruction: Spending alerts when expenses exceed 20%+, 24-hour mandatory wait for large withdrawals, automatic surplus allocation during high-earning months.
Already use Otto for accounting and taxes? One-click data import eliminates intake friction. Tax estimates, quarterly obligations, business expenses—all automatically populated. MuseVest + Otto = Complete financial infrastructure.
MuseVest never holds your money. We use secure, read-only connections (Plaid) to analyze your finances. All investments held at registered custodians through our RIA partners. Planning platform, not a bank.
24/7 access to your financial command center: Real-time runway tracking, income volatility visualization, tax reserve status, portfolio performance, and behavioral trigger history at portal.joinmusevest.com.
Professional financial planning designed for creator income complexity.
Existing Otto clients receive 50% off first-year advisory fees (save $4,050+)
Tax Deductibility: These fees are typically tax-deductible as business expenses for sole proprietors, LLCs, and S-Corps.
Start Your Financial PlanWhether you're platform-dependent or product-diversified, launch-based or subscription-driven—MuseVest adapts to your income reality.
Q4 concentration (40%+ of income), algorithm dependence, brand deal timing gaps
Surplus smoothing prevents lifestyle inflation, 18-month runway for volatility, behavioral alerts during low-earning months
Launch-based revenue spikes, payment plan delays, refund reserves needed
Launch revenue allocation system (40% tax, 40% runway, 20% bonus), income smoothing, refund buffer automation
Payroll obligations, client concentration risk, payment timing delays
Payroll coverage ratio monitoring, contractor payment reserves, cash flow mapping for 60-90 day delays
5-8 income streams with different payment schedules, multi-state tax complexity
Integrated income tracking, automated quarterly tax calculations across states, platform risk diversification analysis
Already use Otto for accounting and taxes? We've built MuseVest to integrate perfectly.
Otto handles your accounting and tax compliance. MuseVest powers your financial planning and wealth advisory. Together, you get complete financial infrastructure for your creator business.
One-click data import from Otto eliminates intake friction:
Otto clients receive 50% off MuseVest advisory fees in year one—a $4,050+ savings recognizing the value of integrated services.
Otto Client? Get Your Partnership DiscountJoin the creators who are transforming unstable income into lasting financial security.
Start Your Financial PlanQuestions? Email us at support@joinmusevest.com