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 two 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 →- › Direct vs. Indirect 401(k) Rollover: The 60-Day Rule and 20% Withholding Trap
- › How to Find Old 401(k) Accounts You Forgot About
- › Roll Over to an IRA or Stay in the 401(k)? A Decision Framework
- › Net Unrealized Appreciation (NUA): When Company Stock Changes the Rollover Math
- › The Rule of 55: Penalty-Free 401(k) Withdrawals Before 59½
Roth Conversion: A Practical Guide for High Earners and Pre-Retirees
When a Roth conversion makes financial sense, how the bracket math actually works, and the watchouts (ACA, IRMAA, the 5-year rule) that quietly determine whether it pays off.
Read the strategy →- › Backdoor Roth IRA: How High Earners Bypass the Income Limits
- › Mega Backdoor Roth: Maxing the After-Tax 401(k) Loophole
- › The Pro-Rata Rule: Why Your IRA Balance Can Wreck a Backdoor Roth
- › Roth Conversion Ladder: How Early Retirees Bridge to 59½
- › State Taxes and Roth Conversions: When a Move Changes the Math
Yield
Distribution, and what comes after.