Comprehensive Guidance to Your Financial Security
Financial and 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 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, intention, and peace of mind.
Retirement Income Strategies
Part of your financial plan, we will be looking at when we should take your Social Security income. Does it make sense to take it at 62, or should you wait to take SS income till 67 or 70 (do you have longevity in your family?)—and what does that look like to your lifetime income/asset projection for the rest of your life. Remember that when you retire in your 60s, you’re most likely to still have close to 3 decades living in retirement. People are living longer & longer today, till age 90 on average. That means your money would need to keep up with inflation (the rising cost of goods & services) for another approximately 3 decades in retirement years. So, if your money isn’t keeping up with inflation, you may run out of money. That is a big risk.
We'll look at your 'withdrawal rates' in your retirement years. We will stress-test your plan. Based on your comfort level of risk, we will discuss your options for your retirement savings to be able to last, providing income back to you for the next few decades in retirement.
Do small things with great love.