Our Services

Financial Decisions Do Not Exist in Isolation

Investment decisions affect taxes. Tax decisions affect retirement. Estate planning affects future generations. That's why we take a comprehensive approach—bringing together every major aspect of your financial life into one coordinated plan. Our role is to help you make thoughtful decisions today while keeping your long-term goals, family, and legacy in view.

I.  The Four Pillars of Wealth StewardshipInvestment Management

Personalized portfolios designed around your goals, risk tolerance, values, and long-term objectives. Our disciplined investment approach emphasizes thoughtful asset allocation, tax efficiency, prudent risk management, and long-term stewardship of capital.

  • Goal-based portfolio construction
  • Thoughtful asset allocation & diversification
  • Tax-efficient, cost-aware investing
  • Faith-based investment options, when desired

II.Retirement Planning

Helping you transition from accumulating wealth to creating sustainable retirement income. We guide clients through retirement readiness, Social Security decisions, distribution strategies, and long-term planning designed to support the life they envision.

  • Retirement income & withdrawal strategies
  • Social Security claiming strategies
  • Required minimum distribution (RMD) planning
  • Cash flow & savings planning

III. Tax Planning

Proactive tax planning designed to help preserve more of your wealth. We coordinate investment, retirement, and tax strategies to identify opportunities that may improve long-term outcomes and reduce unnecessary tax burdens.

  • Tax-aware portfolio decisions
  • Roth conversion analysis
  • Coordination with your CPA
  • Tax-efficient distribution strategies

IV. Estate & Legacy Planning

Helping ensure your assets, wishes, and values are passed on according to your intentions. We work alongside estate planning attorneys and other professionals to help families navigate wealth transfer, charitable giving, and multi-generational planning decisions.

  • Wealth transfer & multi-generational planning
  • Charitable & legacy giving strategies
  • Coordination with estate planning attorneys
  • Beneficiary & wealth-transfer review

Our Planning ProcessA Process That Evolves With You

Financial planning is not a one-time event. It is an ongoing process that evolves as life changes—guiding you through every season with clarity and confidence.

Discover

We begin by learning about your family, values, goals, and financial circumstances seeking to understand what matters most to you.

Create

We develop a personalized strategy tailored to your goals—spanning investments, retirement, tax-aware strategies, and legacy.

Implement

We coordinate the recommendations, working alongside your CPA, estate planning attorney, and other professionals when appropriate.

Steward

Life, markets, and tax laws change. We provide ongoing guidance and regular reviews to keep your plan aligned with your goals.

Our Investment PhilosophySuccessful Investing Begins with a Plan

We believe successful investing begins with a well-designed financial plan. Our investment approach emphasizes:

I. Long-Term Investing

II. Diversification

III. Tax Efficiency

IV. Risk Management

V. Cost Awareness

VI. Goal-Based Portfolio Construction

Portfolios may utilize individual stocks, ETFs, fixed income investments, cash equivalents, and other appropriate investments based on client objectives, risk tolerance, tax situation, and time horizon.

Our Fiduciary CommitmentTrust Is the Foundation of Every Client Relationship

As a fiduciary, Stella Maris Wealth is committed to serving clients with a fiduciary duty of care and loyalty. We strive to act in our clients' best interests by providing objective, transparent advice tailored to their unique circumstances, financial goals, and long-term interests.

We believe clients deserve clear communication, thoughtful planning, and personalized guidance from a trusted advisor. Our goal is to build enduring relationships founded on trust, integrity, and stewardship.

Common QuestionsFrequently Asked Questions

  • We believe wealth management is about more than investment returns. Our approach integrates financial planning, investment management, retirement income planning, tax- aware decision making, and legacy considerations into a coordinated strategy designed around your family's goals and values.

  • Yes. Stella Maris Wealth acts as a fiduciary for its advisory clients, which means we are legally obligated to place our clients' interests ahead of our own when providing investment advice.

  • Stella Maris Wealth is compensated through advisory fees disclosed in our Form ADV Brochure and Investment Advisory Agreement. Depending on the services selected, clients may pay an asset-based advisory fee for ongoing management and/or a financial planning fee for comprehensive planning services.

  • Yes. For clients who desire it, we can incorporate faith-based investment preferences into portfolio construction, including considerations consistent with the teachings of the Catholic Church. We also serve clients who prefer a traditional investment approach without faith-based restrictions.

  • Client assets are held with independent third-party custodian Charles Schwab. Stella Maris Wealth does not take custody of client assets. Clients receive account statements directly from the custodian in addition to any reports we provide.

  • At a minimum, we conduct an annual review with each client. Many clients meet with us semi-annually or quarterly depending on complexity and planning needs. We are also available whenever significant life events or financial questions arise.

Begin Your JourneyLet's Start the Conversation

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