After looking at the client's concerns as a wealth manager, I would help the client choose investments that match her comfort level. Since she worries about market downturns, she likely fits into category $4,$ "Not willing to take any financial risks." I would explain that higher$-$risk investments can bring bigger rewards but also more ups and downs. For someone who prefers stability, we could look at safer options like bonds, savings accounts, or low$-$risk funds. These choices offer steady growth without big drops in value. I would also remind her that investing is a long$-$term process, and we can create a plan that keeps her money growing while helping her feel secure$.$ The goal is to build wealth in a way that suits her needs and gives her peace of mind.