SAN DIEGO, CA / ACCESS Newswire / September 21, 2026 / Compound Wealth Advisors provides retirement income and tax-planning education for individuals approaching retirement, with a focus on financial decisions that can become increasingly important before and during retirement.

The firm's educational efforts address areas including retirement income planning, tax-efficient withdrawal strategies, Roth conversions, Social Security claiming decisions, Medicare considerations, investment planning, and wealth transfer.

The firm's work is led by Stuart A. Schiffman, CFP®, RICP®, TPCP®, founder and senior wealth advisor of Compound Wealth Advisors. Schiffman has spent more than four decades in finance and today focuses much of his work on individuals and couples age 50 and older navigating the transition from accumulating assets to using those assets to support retirement.

"People spend much of their working lives focused on saving and investing, but retirement introduces a different set of decisions," Schiffman said. "You have to consider where the income will come from, how the withdrawals affect your taxes, and how all of those decisions interact over time."

From Managing Assets to Creating Retirement Income

Schiffman began his financial career after graduating from business school at New York University. He joined Paine Webber, now part of UBS, working in its money management division for high-net-worth individuals and families through Mitchell Hutchins Asset Management.

He later moved into institutional fixed-income sales and trading with Oppenheimer and Dillon, Read in New York.

That experience would later inform Schiffman's approach to working with retirees as he brings a unique approach to retirement income planning. "Taxes are an important consideration when investing, particularly in fixed income for retirees," says Schiffman.

His path to becoming a personal financial advisor developed more informally about two decades ago. Schiffman began helping friends and family make investment decisions and identify tax considerations they had previously overlooked.

Those conversations changed the direction of his career.

"I kept seeing people make financial decisions without fully understanding the complexity of the issues," Schiffman said. "That became especially clear around retirement, when decisions involving investments, taxes, income, health care, and estate planning overlap."

Today, Compound Wealth Advisors operates as an independent, fee-only advisory firm. Schiffman intentionally maintains a boutique practice, an approach he says allows him to spend more time understanding each client's circumstances and providing individualized guidance.

Why Taxes Become Part of the Retirement Income Conversation

A central area of the firm's educational work is the relationship between retirement income and taxes.

For people approaching retirement, the question is no longer simply how much they have accumulated. They must also decide when and how to access different sources of money.

Withdrawals from retirement accounts, Roth conversions, Social Security income, dividend and interest income, and other sources can interact in ways that affect an individual's tax picture.

Compound Wealth Advisors' educational materials focus on helping individuals understand how these decisions may connect rather than viewing each one independently.

"Tax planning shouldn't begin after a transaction has already happened," Schiffman said. "For someone approaching retirement, there may be several decisions that need to be considered years in advance. The purpose of education is to help people understand that framework before they make those choices."

The firm's broader retirement planning work also examines Social Security timing, Medicare planning, investment management, insurance, estate planning, and family wealth transfer.

Building Financial Education Around the Retirement Transition

Schiffman's educational focus reflects his belief that the years immediately before and after retirement deserve particular attention.

Compound Wealth Advisors primarily works with individuals and families preparing for retirement or who have recently retired. These life transitions can create financial questions that extend beyond portfolio performance.

For a new retiree, the challenge may involve determining how savings will support ongoing retirement income. For a surviving spouse, it may mean organizing financial information and assuming responsibilities previously handled by a partner. Someone receiving an inheritance may face a different challenge: deciding how new resources create entirely new challenges.

Schiffman believes education can help people make decisions with a clearer understanding of the tradeoffs involved.

His professional credentials include the CFP®, RICP®, and TPCP® designations, along with an MBA.

An Upcoming Workshop on the Retirement Transition

Schiffman is also preparing an educational workshop in Del Mar, California, focused on the financial and personal transition into retirement.

The September 24, 2026 event, titled "I Made It. Now What?", is designed for individuals approaching retirement or already entering that stage of life. The discussion will address both financial planning and the personal changes that can accompany the end of a long career, including questions around spending, legacy planning, purpose, identity, and daily structure.

Schiffman will address the planning side alongside a cognitive scientist who will focus on the personal aspects of major life changes, including purpose and identity. The workshop is intended to bring those two sides of retirement into the same conversation.

The event reflects a broader theme in Schiffman's approach to retirement planning: preparing for retirement can involve more than investment and income decisions. It can also involve questions about how individuals want to spend their time, use their resources, and structure the next stage of their lives.

A Forthcoming Book on Understanding the Tax System

As part of his broader educational work, Schiffman is also developing a forthcoming book on taxation.

The book is intended to help individuals understand the basic framework underlying the U.S. tax code and how it applies to common financial situations, with particular attention to people approaching retirement.

Rather than focusing solely on individual tax tactics, Schiffman plans to explain how different parts of the tax system connect and why understanding that structure can help people make better-informed financial decisions.

The book remains in development, and no publication date has been announced.

For Schiffman, the project is an extension of a principle that has guided his career.

"Be a passionate learner and focus on adding value to people's lives every day," he said. "Financial rules may change over time, but learning tax fundamentals gives people a stronger foundation for making decisions."

Compound Wealth Advisors continues to provide educational resources focused on retirement income and tax planning for individuals navigating the financial transition into retirement.

About Compound Wealth Advisors

Compound Wealth Advisors is a San Diego-based, fee-only registered investment adviser serving individuals and families preparing for retirement, recent retirees, surviving spouses, and individuals who have experienced sudden or inherited wealth. The firm's planning work includes retirement income planning, tax planning, investment management, Social Security and Medicare planning, insurance review, estate planning coordination, and family wealth transfer.

Media Contact
Stuart A. Schiffman
Compound Wealth Advisors
Email: stuart@cwealthadvisor.com
Website: https://cwealthadvisor.com/

Disclaimer: This material is for informational and educational purposes only and does not constitute individualized investment, tax, or legal advice. Individual circumstances vary.

SOURCE: Compound Wealth Advisors