Wealth Strategies
Cornerstone guides organized around the Sporos Doctrine — the six-stage framework behind every plan we build. Start with the framework, then read the strategies it powers.
The Sporos Doctrine: A Life-Centered Framework for Retirement
The six-stage framework behind every plan we build. How vision becomes tax architecture becomes an income engine becomes a generational legacy, and the three non-negotiables that hold it together.
Read the Doctrine →Bedrock
Vision and the soil it grows in.
401(k) Rollover: A Complete Guide to Moving an Old Retirement Account
When to roll over an old 401(k), the four real options (and which one to actually pick), the rules that quietly cost people thousands, and how to avoid the most common mistakes.
Read the strategy →- › 401(k) Force-Out Distributions: What Happens If You Leave a Small Balance
- › 401(k) Loans Before Rollover: The Default-on-Separation Trap
- › After-Tax 401(k) Money: Splitting It at Rollover for a Tax-Free Roth
- › Direct vs. Indirect 401(k) Rollover: The 60-Day Rule and 20% Withholding Trap
- › How to Find Old 401(k) Accounts You Forgot About
- › How Long Do I Have To Rollover My 401k After Leaving?
- + 5 more
Equity Compensation: A Practical Guide to RSUs, ISOs, and NSOs
How RSUs, ISOs, and NSOs are taxed, the AMT trap that surprises tech employees, why default withholding almost never covers the bill, and how to manage concentrated stock positions without a tax bomb.
Read the strategy →- › 10b5-1 Plans: How Executives Sell Stock Without Insider-Trading Risk
- › Concentrated Stock Position: Diversifying Without a Tax Bomb
- › ISOs and AMT: The Tax Surprise Most Tech Employees Get
- › ISO Exercise Strategy: Timing Your Incentive Stock Options to Minimize the Tax Hit
- › ISO Vs NSO Tax Treatment
- › NSO Exercise & Hold vs. Exercise & Sell: Which One Makes Sense
- + 2 more
Tax-Loss Harvesting: How to Turn a Down Market Into Real Tax Savings
How tax-loss harvesting works, the wash-sale rule that catches people off guard, when it's worth doing, and how to combine it with Roth conversions for the largest combined tax benefit.
Read the strategy →- › Is Tax-Loss Harvesting Worth It
- › TLH and the $3,000 Ordinary-Income Offset: Compounding Tax Savings Over a Decade
- › Tax-Loss Harvesting in Direct Indexing Accounts
- › TLH + Roth Conversion = Grafting
- › The Wash-Sale Rule in Plain English
- › When NOT to Harvest Losses: Three Cases Where the Default Move Is Wrong
Yield
Distribution, and what comes after.
RMDs and QCDs: The Required-Distribution Rules That Shape Retirement Income After 73
How Required Minimum Distributions are calculated, the SECURE 2.0 changes, the inherited-IRA 10-year rule, and how Qualified Charitable Distributions let charitably-minded retirees skip the tax.
Read the strategy →- › The Inherited IRA 10-Year Rule (and the 2024 Final Regs)
- › What Happens If You Miss an RMD: The 25% Penalty and How to Fix It
- › QCDs: How Charitably-Minded Retirees Skip the RMD Tax
- › RMD Age Changes Under SECURE 2.0: What Pre-Retirees Need to Know
- › RMD Aggregation Rules: One Calculation, One Withdrawal? Not Always.
- › What Is The Biggest RMD Mistake?
Social Security Claiming Strategy: When to File and Why It Matters More Than You Think
The math behind claiming at 62, full retirement age, or 70. How spousal and survivor benefits work, the earnings-test trap, and why this decision shapes thirty years of retirement income.
Read the strategy →- › Can My Wife Take Social Security At 62 And Then Switch To Spousal Benefit
- › The Earnings Test: How Working Before Full Retirement Age Affects Social Security
- › Social Security Strategies For Married Couples Calculator
- › Social Security Strategy For Married Couples Calculator
- › Spousal and Survivor Benefits: How Couples Coordinate Social Security
- › WEP and GPO Repeal: What the Social Security Fairness Act Changed in 2025
- + 2 more