What Retirable does

Retirable is a New York-based financial technology company and SEC-registered investment advisor (CRD #307472) that operates a digital retirement planning platform for middle-income Americans aged 50 and above with investable assets ranging from $20,000 to $2 million+. The company combines a dedicated licensed fiduciary advisor service layer with a proprietary financial planning engine, delivering holistic guidance across income generation, Social Security election, healthcare, taxes, housing, and estate planning. Per the company's website, Retirable has served more than 50,000 Americans and ties for the highest 5.0/5 WSJ Buy Side rating in both its December 2025 and April 2026 reviews of fiduciary financial advisor firms.

The platform is structured as six integrated modules — Plan, Invest, Spend, Advice, Save, and Protect — built around a 3-bucket investment framework (Cash / Stability / Growth) and a real-time safe-to-spend withdrawal engine that updates the client's monthly retirement income based on actual spending. Banking services and the Retirable Visa debit card are delivered through a partner-bank arrangement with Thread Bank, Member FDIC, with deposits eligible for up to $3M in FDIC pass-through coverage through Thread Bank's sweep program; the high-yield cash account advertises a Tier 2 APY of 2.56% as of December 11, 2025. The Protect module bundles $1M in identity theft insurance with identity and credit monitoring. Retirable also operates a B2B partner platform that enables Medicare agencies (e.g., eHealth, SelectQuote), insurance/annuity providers (e.g., Spark), HR/benefit administrators, financial advisors (e.g., The Brokerage Inc), and retirement plan administrators to deploy Retirable under co-branded or white-label arrangements with revenue share on qualified client introductions.

Retirable generates revenue through three primary streams: a recurring 0.9% annual advisory fee on the first $1M of client assets (no fee charged on amounts above $1M, with no account minimum), net interest margin on cash sweep deposits held at Thread Bank, and B2B2C partner referral revenue share. The retail go-to-market is direct-to-consumer via retirable.com, free-consultation intake, and a phone-led inside-sales team (833-222-1807), supplemented by an earned-media strategy anchored in WSJ Buy Side editorial coverage, Good Morning America features, and an SEO-driven retirement advice blog. The company is venture-backed, having raised approximately $20 million across disclosed rounds including a $6M seed (Primary Venture Partners, 2022), a $4M seed (2023), a $10M Series A led by IA Capital Group in July 2025 with participation from Nationwide Ventures, Western & Southern Financial Group, Clocktower Technology Ventures, SilverCircle, Portage Ventures, Vestigo Ventures, and Primary, and an additional ~$3.78M round in April 2026.

Name

Retirable

Legal name

Retirable, Inc.

Website

https://retirable.com

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

1–10 employees

Short description

Retirable is an SEC-registered investment advisor offering a digital retirement planning platform that pairs dedicated fiduciary advisors with a proprietary 3-bucket investment framework, safe-to-spend engine, high-yield cash account, Visa debit card, and identity protection for middle-income Americans aged 50+ with $20K–$2M+ in assets.

Ownership category

akta.pro rank

Product category

Retirement Planning Software

NAICS

Pension Funds (52511), Open-End Investment Funds (525910)

SIC

Finance Services (6199)

akta.pro primary industry

Digital Retirement Platforms (IRA/401(k), Pension & Decumulation) (FSAGAEAF)

akta.pro secondary industry

Retirement Income Planning & Decumulation Advisory (FSAEABAD)

Keywords

• Retirement planning
• Fiduciary advisory
• Retirement income
• Wealth management
• Financial planning

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Assets-Under-Management Advisory Fee: Recurring fee of 0.9% annually on the first $1M of client assets, with no fee charged on assets above $1M. No minimum savings requirement to open an account. Service tier available to clients with assets from $20K to $2M+.
2. Partner Channel Revenue Share: B2B2C partnerships with Medicare agencies, insurance/annuity providers, HR & benefit administrators, financial advisors, and retirement plan administrators. Partners receive regular payouts for qualified client introductions; partners can co-brand or white-label the platform.
3. High-Yield Cash Sweep & Banking Spreads: Cash balances are placed via Thread Bank's deposit sweep program across program banks (FDIC-insured up to $3M aggregate). Retirable captures net interest/spread economics on those deposits while offering clients an advertised 2.56% APY on Tier 2 (as of Dec 11, 2025).

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Retirable is a digital retirement planning platform that pairs each client with a dedicated licensed fiduciary advisor and applies a proprietary dynamic financial planning engine to build and continuously adjust a personalized retirement income and investment strategy. The platform delivers an integrated suite of six modules—Plan, Invest, Spend, Advice, Save, and Protect—combining bucket-based portfolio allocation, a safe-to-spend spending engine, a high-yield cash account with a Retirable-branded Visa debit card, and $1M identity theft insurance.

Product overview

Retirable is a single unified retirement-planning platform offered as an integrated set of six modules — Plan, Invest, Spend, Advice, Save, and Protect — that work together to provide holistic retirement decumulation for middle-income Americans. The Plan module generates a personalized investment and income strategy that the Invest module implements through low-cost, tax-efficient ETF portfolios bucketed into Cash, Stability, and Growth; the Spend module turns that plan into a reliable monthly safe-to-spend paycheck via the Retirable Visa debit card and high-yield cash account (Save); the Advice module wraps the entire experience in ongoing dedicated fiduciary advisor support covering Social Security, healthcare, taxes, housing, and legacy planning; and the Protect module adds $1M identity-theft insurance and monitoring. Alongside the consumer product, Retirable offers a B2B partner platform (white-label/co-branded deployments for healthcare, insurance, HR, financial advisors, and retirement plans, including a dedicated Medicare Agency Partnership Program).

Differentiator

Problem solved

Functional benefit

Products and services

• Retirable Plan Dynamic, personalized retirement investment and income plan that strategically buckets assets across Cash, Stability, and Growth to balance risk, growth, and short/long-term spending needs; designed for U.S. pre-retirees and retirees.
• Retirable Invest Expert investment management service building personalized portfolios in low-cost ETFs with tax-efficient trading, reinvested dividends, RMD handling, and dynamic rebalancing across Cash, Stability, and Growth buckets; for U.S. retirement savers.
• Retirable Spend Retirement income delivered as one safe-to-spend monthly paycheck via the Retirable Visa debit card, with real-time adjustments to the plan based on actual client spending; for retirees drawing down savings.
• Retirable Advice Dedicated U.S.-based licensed fiduciary advisor providing ongoing guidance across retirement income, Social Security, healthcare, taxes, housing, and legacy planning; reachable by phone, text, video, or email; for U.S. retirement planning clients.
• Retirable Visa Debit Card Contactless debit card issued by Thread Bank, Member FDIC, under license from Visa U.S.A. Inc., drawn against the Retirable Consumer Deposit Account to enable everyday spending from retirement savings.
• Retirable High-Yield Cash Account Retirable Consumer Deposit Account with high-yield interest (Tier 2 APY of 2.56% as of Dec 11, 2025) and FDIC pass-through insurance coverage up to $3,000,000 via Thread Bank's deposit sweep program; for clients building emergency savings and holding safe-to-spend balances.
• Retirable Protect Identity and credit protection suite including $1,000,000 in identity theft insurance plus monitoring tools to safeguard the retiree's financial identity.
• Retirable IRAs Custodied retirement accounts (one or more IRAs) into which client savings are consolidated so Retirable can apply retirement-specific tax strategies, investment allocations, and spending guidance.
• Medicare Agency Partnership Program White-label / co-branded financial wellness offering for Medicare agencies, including dedicated email and phone, custom landing pages for client intros, AEP-renewal reporting, and revenue payouts for qualified introductions at 0.9% AUM on first $1M.
• Retirable Partner Platform (Healthcare, Insurance, HR, Financial Advisors, Retirement Plans) Embedded retirement-planning platform for partner organizations in healthcare/Medicare, insurance/annuity, HR/benefits, financial advisory, and retirement plan administration; offers turnkey marketing materials, co-branded or white-label deployment, consistent reporting, and data-driven client insights.

Quantifiable outcome

• 50,000+ clients served with retirement planning services
• +4 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature5 records

Partnerships

Eight partnerships are on record, tiered flagship, core and minor.

• eHealthflagshipChannel Partner/ Reseller/ DistributoreHealth is listed as a 'Trusted By' partner on Retirable's Partner page. eHealth is a Medicare insurance marketplace; the partnership is positioned within Retirable's Healthcare & Medicare Providers partner track, where Retirable is embedded into the Medicare client offering to improve health-and-wealth outcomes.
• SelectQuoteflagshipChannel Partner/ Reseller/ DistributorSelectQuote is listed as a 'Trusted By' partner on Retirable's Partner page, alongside eHealth. The partnership supports SelectQuote's Insurance & Annuity Providers track and helps differentiate Medicare/insurance offers with holistic retirement planning.
• SparkcoreChannel Partner/ Reseller/ DistributorSpark is listed as a 'Trusted By' partner on Retirable's Partner page. The partnership supports insurance/annuity distribution with embedded retirement planning and investing solutions.
• The Brokerage InccoreChannel Partner/ Reseller/ DistributorThe Brokerage Inc is listed as a 'Trusted By' partner on Retirable's Partner page. The partnership targets the Financial Advisors vertical, providing succession-planning support for aging clients with fiduciary backing.
• AHIP (America's Health Insurance Plans)minorGTM or Marketing PartnerAHIP logo is featured on Retirable's Medicare Agency Partnerships page, signaling an association/marketing alignment with the health insurance industry trade group to support Medicare agency distribution.
• Thread Bank (Member FDIC)flagshipOEM/ Whitelabel/ Licensing PartnerThread Bank provides banking services for Retirable's cash management account and issues the Retirable Visa debit card under license from Visa. Deposits are placed via Thread Bank's deposit sweep program across program banks, qualifying for up to $3M in FDIC pass-through coverage.
• Visa U.S.A. Inc.coreTechnology or IntegrationVisa licenses the Retirable Visa debit card, issued by Thread Bank, Member FDIC. The card may be used anywhere Visa cards are accepted, enabling the platform's 'Spend' leg.
• TrustpilotminorGTM or Marketing PartnerRetirable links to its Trustpilot review profile from the homepage to provide third-party social proof and peer-review validation.

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Creative Planning: Creative Planning is a large national RIA offering holistic financial planning, investment management, and retirement income services across all wealth tiers. It competes for retirement-focused clients and was tied with Retirable at 5.0/5 in WSJ Buy Side's December 2025 review, though it serves a much broader client base.
• Schwab Intelligent Portfolios / Schwab Wealth Advisory: Schwab offers automated and hybrid advisor-led retirement solutions embedded within its massive 401(k)/IRA distribution franchise. As a broad incumbent with existing retirement-account relationships, it represents the principal scale threat to Retirable's middle-market wedge.
• Fidelity Investments: Fidelity operates one of the largest retirement account franchises in the U.S. (IRAs, 401(k) rollovers, Fidelity Go, Fidelity Wealth Services). It is a broad incumbent competing across both self-directed and advisor-led retirement services, with the scale to subsidize advice pricing.

Direct peers

• Wealthfront: Wealthfront is an automated investing and retirement platform offering IRAs, tax-loss harvesting, and path-based financial planning. It competes with Retirable on the robo-advisor axis for retirement savers, though it lacks Retirable's dedicated-advisor model.
• Empower (formerly Personal Capital): Empower combines a free retirement/net-worth dashboard with a paid advisory service for clients with $100K+ in assets. It is a direct competitor in hybrid digital-plus-advisor retirement planning for the same mass-affluent segment Retirable targets.
• Betterment: Betterment is a digital wealth and retirement platform offering automated investing, goal-based planning, and (with Betterment Premium) access to CFP® advice. It is the closest direct competitor to Retirable, sharing SEC-registered RIA status, ETF-based portfolios, retirement-focused IRA/rollover products, and WSJ Buy Side recognition alongside Retirable.
• Ellevest: Ellevest is a digital wealth management platform offering goal-based investing, retirement planning, and access to financial coaches for women and mass-affluent clients. It targets an overlapping pre-retirement segment with a comparable pricing model.
• NewRetirement (Boldin): NewRetirement (recently rebranded Boldin) provides DIY and advisor-branded retirement planning software with detailed decumulation modeling. It is a direct competitor on the retirement-income-planning technology layer that Retirable also owns.
• Facet Wealth: Facet Wealth is a flat-fee fiduciary financial planning firm serving mass-affluent and near-retiree clients with dedicated CFP® advisors. It directly competes with Retirable on dedicated-advisor access, fiduciary positioning, and was tied with Retirable at 5.0/5 in WSJ Buy Side's 2026 retiree ranking.

Emerging players

• Greenlight Financial Advisors: Greenlight Financial Advisors is a growing RIA focused on retirement and decumulation planning for mass-affluent clients. It overlaps with Retirable's middle-income retiree segment but at a smaller scale, illustrating the fragmentation of the niche.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights8 records

Customer concentration

• Xx.com/retirable
• LinkedInlinkedin.com/company/retirable

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds9 records

Investors13 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Retirable