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Retirable
Retirable began operations in 2020 from New York and provides fiduciary advisors along with retirement-income plans that generate monthly paychecks from...
Retirable
Retirable began operations in 2020 from New York and provides fiduciary advisors along with retirement-income plans that generate monthly paychecks from managed portfolios for US residents. The firm manages investments internally to produce cash flow and limit downside, offers a cash account at 2.56% APY as of December 2025, and issues a Visa debit card through Thread Bank that carries FDIC coverage up to $3 million. It states that more than 50,000 people have used its services, which also include identity-theft insurance and credit monitoring, while it acquires clients in part through national television and routes banking functions through Thread Bank rather than operating as a depository institution itself.
General information
Firm type
Bank / Wealth / Trust
Year founded
2020
Location
Region
North America
Country
United States
City
New York
Corporate office
New York, NY, United States
Principals
Tyler End
founder
Ian Yamey
founder
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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