RedactedNarrative: Victim attempted to access and retrieve a fender on the starboard side of the vessel when a wave struck the vessel and the victim fell overboard.  Victim told his spouse to shut of the engine and throw out the anchor.  Victim's spouse lost sight of her husband and called for help on the VHF marine radio.  Victim was located  and partially submerged by good Samaritans during the SAR operation. Investigator determined that even though had significant experience/complacency it was operator inattention and heavy weather that caused this accident.