In our ever-evolving, digitally obsessed, internet-driven world, it is no surprise that the affluent consumers - those with the most disposable income to spend on tech-toys for both themselves and the entire family (if they have dependents) - play a large role in driving the e-commerce market.

Complying with COPPA is a challenge all marketers, gaming companies and app makers face, even if their websites, online services and apps are not specifically geared towards children under 13. But marketers that cater to affluent consumers are at greater risk for three reasons.

We recently engaged hundreds of affluent women nationwide, in a week-long conversation about a high-end champagne brand, hoping to uncover how to make this brand more relevant to them.

In our previous column, we reported on the upcoming holiday shopping plans of affluent adults whom we and many of our clients define as those 18 years of age or older, living in households with household incomes of $75,000 or more (the top 41% of American adults).