Comprehensive Guidance to Your Financial Security
Financial & Retirement Planning
Financial Planning
At Stella Maris Wealth, financial planning is more than numbers—it’s about having a clear roadmap—so that we know the ‘why’ behind investing. Having a clear roadmap will impact whether you can achieve your goals and will ultimately impact your legacy. It begins with understanding where you are today and where you want your life and your family to go. Whether your goals include a comfortable retirement, meaningful time with loved ones, charitable giving, or passing on values along with wealth, I’d love to hear what’s most important to you.
Markets and tax landscape change, and life does too. A well-thought-out plan provides clarity and direction. We help you connect your money to what matters most—so your financial decisions support not only your lifestyle today, but the legacy you wish to leave behind.
We take a comprehensive, thoughtful approach to your full financial picture today, looking at assets (retirement savings), income, expenses, taxes, and your comfort with risk. From retirement income planning and Social Security decisions to tax-efficient strategies and estate planning consideration with an Estate Planning attorney, every step is designed to support your long-term goals--what’s most important to you and your legacy.
With people living longer than ever, planning for decades of retirement is essential. We help ensure your wealth can provide stability, flexibility, and purpose—while keeping pace with inflation and life’s unexpected turns.
Most importantly, you’ll have a trusted partner by your side. We walk alongside you through every season of life, reviewing and refining your plan as goals evolve, families grow, and priorities change—so you can move forward with confidence, purpose, and peace of mind.
Retirement Income Strategies
We’ll evaluate when to begin your Social Security benefits—whether at 62, 67, or 70—based on factors such as longevity, lifetime income needs, and the long-term impact on your retirement assets. Since retiring in your 60s often means planning for 30 years or more, your financial plan must account for inflation and the importance of the sequence of market returns during retirement—especially how market performance in the early years can significantly affect the longevity of your assets and the risk of outliving your retirement savings.
We will also assess your retirement withdrawal rates and stress-test your plan to help ensure your savings can provide sustainable income for decades. Based on your comfort with risk, we’ll explore strategies designed to help your assets last and support your long-term financial security.
Do small things with great love.