A female, smooth-spoken and well-to-do (8)
I believe the answer is:
affluent
'well-to-do' is the definition.
(thesaurus)
'a female smooth-spoken' is the wordplay.
'a female' becomes 'af' (I've seen this in other clues).
'smooth-spoken' becomes 'fluent' ('fluent' can be a synonym of 'smooth-spoken').
'af'+'fluent'='AFFLUENT'
'and' is the link.
(Other definitions for affluent that I've seen before include "Well-to-do, wealthy" , "Loaded" , "Flute fan may be wealthy" , "Very well off, quite rich" , "Wealthy - abundant" .)