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Retirable
Retirable launched in 2020 in New York to serve the mass-affluent retiree segment that traditional wealth managers often bypass. The firm's model combines a...
Retirable
Retirable launched in 2020 in New York to serve the mass-affluent retiree segment that traditional wealth managers often bypass. The firm's model combines a dedicated fiduciary advisor, a dynamic retirement-income plan, and a spendable monthly paycheck drawn from managed portfolios. Its website claims more than 50,000 people served, though the firm does not disclose total assets under advisement or management. The strategy centers on decumulation — constructing portfolios for income and stability rather than accumulation. Retirable offers a high-yield cash account (2.56% APY as of December 2025) and a Visa debit card issued by Thread Bank, which also provides FDIC sweep coverage up to $3 million across its program banks. The investment management is in-house and built specifically for cash-flow generation, risk-balancing, and downside protection, rather than pure total-return mandates. Geographic coverage is limited to US residents. The firm lists no public team size or named leadership on its website beyond generic references to licensed financial advisors. Retirable's digital stack includes identity theft insurance and credit monitoring tools bundled with the advisory relationship. The 2020 launch date places it among a cohort of tech-forward retirement-income platforms, yet it relies on a human advisor layer rather than a purely algorithmic model. A recent operational milestone: as of its GMA viewer welcome page in 2026, the firm is actively using national television audiences as a client-acquisition channel. Retirable's structural distinction is its real-time spending-account linkage to a managed portfolio. Most retail RIAs separate advice from transaction execution; Retirable issues a debit card that draws directly on a client's safe-to-spend balance inside a managed account. The firm is not a bank — it operates through Thread Bank — which allows it to capture advisory fees while its banking partner earns interchange and deposit float. This advisor-plus-neobank design makes it look less like a traditional family office and more like a retirement-income utility built for direct-to-consumer scale.
General information
Firm type
Bank / Wealth / Trust
Year founded
2020
AUM
Undisclosed
Location
Region
North America
Country
United States
City
New York
Corporate office
New York, NY, United States
Frequently asked questions
Who runs investment decisions at Retirable?
Retirable does not publicly name its executive team or investment committee on its website. The firm's Form ADV Part II would list key principals; however, this document is not provided in the available sources. Until leadership is disclosed, the investment-oversight structure remains opaque.
Is Retirable a bank?
No. Retirable is an SEC-registered investment advisor, not an FDIC-insured bank. Banking services, including the high-yield cash account and Visa debit card, are provided through Thread Bank, Member FDIC. Client deposits swept into Thread Bank's program banks qualify for up to $3 million in FDIC pass-through insurance coverage.
What does Retirable charge for its services?
Retirable's website does not publicly list its advisory fee schedule, though it directs users to the fee schedule contained in its Consumer Deposit Account Agreement. As an RIA, the firm must file a Form ADV Part II with the SEC, which would include its fee structure. The high-yield cash account variable APY was 2.56% as of December 2025, but this is an interest rate on cash holdings, not an advisory fee.
How does Retirable generate retirement income for clients?
Retirable builds a dynamic financial plan and investment strategy focused on cash-flow generation, risk-balancing, and downside protection. The plan determines a monthly safe-to-spend amount, which is moved into a linked cash management account. Clients can spend this amount via the Retirable Visa debit card, while the investment portfolio is managed for sustainable income and growth over time.
Does Retirable manage assets on a discretionary basis?
As an SEC-registered investment advisor, Retirable is authorized to provide discretionary portfolio management. Its website advertises expert investment management built specifically for retirement, suggesting discretionary rather than purely advisory mandates, but the exact nature of its client-authorization agreements is not detailed in public-facing materials.
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