A detailed look at our five-step process for building financial stability around volatile creator income. Planning before portfolios. Survival before optimization.
Connect your accounts securely through Plaid (read-only access). Our proprietary AI Risk Engine analyzes 12-24 months of your financial history to calculate metrics traditional advisors never measure.
Measures how much your income fluctuates month-to-month
Identifies revenue patterns and peak earning periods
Assesses concentration risk across income sources
Evaluates spending patterns relative to income swings
Based on your AI analysis, you're assigned to one of four tiers. Each tier has specific portfolio allocations and planning strategies optimized for your income volatility pattern.
For high volatility creators needing maximum stability
For moderate volatility with growing runway
For lower volatility with established reserves
For stable income with robust financial infrastructure
Before any investing, we engineer your complete financial survival infrastructure. This is what separates MuseVest from traditional advisors who skip straight to portfolios.
12-18 month emergency reserves (not the standard 3-6 months that fails creators)
Automated 35% reserve allocation for quarterly estimated payments
6-tier cash allocation system optimizing accessibility vs. returns
Stress-tested models for 50%, 70%, and 90% income drops
High-income months trigger lifestyle inflation. Low-income months create panic. Our automated behavioral intervention systems prevent wealth destruction before it happens.
Notifications when monthly expenses exceed 20%+ of your average
24-hour mandatory wait for large withdrawals with impact visualization
Automatic surplus allocation (tax, runway, bonus) during high-earning months
Activated if runway drops below 3 months—spending freeze protocols engaged
Only after your survival systems are operational do we implement tier-appropriate investment strategies. Your portfolio is calibrated to your actual income pattern, not a generic risk questionnaire.
Begin your journey to financial stability in just 15-20 minutes.
Start Your Financial Plan