Risk Management

At Stella Maris Wealth, everything begins with understanding you—your goals, your values, and your hopes for the years ahead. Once we have a clear picture of what matters most to you, we create a personalized financial plan and I will be there to walk you through it together, and guide your along the way. We will look closely at potential risks and ask important questions: Can this plan get you where you want to go? And just as important—how resilient is it along the way?

We stress-test your plan and we thoughtfully review potential risks and explore how your plan may respond to life’s uncertainties. What if the market declines in the next two years as you approach retirement? How would ongoing market volatility affect your monthly income once you’re retired? What if inflation rises, or tax laws change over time? These factors matter—especially in retirement, when the timing (or sequence) of market returns can have a lasting impact on your financial security.

To help create more stability, we may explore strategies that generate reliable monthly income, such as certain types of annuities. Used thoughtfully, these tools can ease market stress while supporting the lifestyle you’ve worked hard to build for years to come.

Protecting your family is also a key part of planning. Life insurance can provide income protection if the unexpected occurs, allowing your family to remain in their home and maintain their way of life.

For retirees, additional risks—such as rising healthcare costs or a market downturn early in retirement—deserve careful planning. By addressing these possibilities in advance, we help you prepare with confidence and peace of mind.

At every stage, our goal at Stella Maris Wealth is simple: to help you build a plan that protects what matters most and supports the legacy you wish to leave behind.