# Retirable

Retirable is a Bank / Wealth / Trust based in New York, United States.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** New York, United States
- **Region:** North America
- **Address:** New York, NY, United States
- **Founded:** 2020
- **Assets under management:** Undisclosed
- **Website:** retirable.com
- **LinkedIn:** https://www.linkedin.com/company/retirable

## Regulatory record

- **CRD number:** 307472
- **SEC file number:** 801-118535
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/307472

## About

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.

## People

- Tyler End — founder
- Ian Yamey — founder

## Questions

### 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.

### 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.

## Related profiles

- [Retinal Degeneration Fund](https://altss.com/profile/retinal-degeneration-fund)
- [Retired Boxers' Foundation](https://altss.com/profile/retired-boxers-foundation)

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Last updated: 2026-07-11T16:28:24.000Z

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