As a former portrait artist manager, I agree with what Mike says. It's time to raise your fees now. If you are uncomfortable taking money for work not yet performed, whether it's 10% or 50%, you can also deposit this into an escrow account. It is then still the client's money and you don't pay taxes on it until you withdraw the money as your own. Be sure to verify this with your CPA, as I am not one as I don't want to be responsible for giving incorrect info. But, it was that way 10 years ago.
If you start an escrow account, of course you need to have correct accounting regarding who has how much in that account.
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