Retirable

Retirable, Inc. is a Registered Investment Adviser founded in 2020, specializing in financial planning and investment advisory services for clients nearing or in retirement. The firm's CEO, R. Tyler End, CFP®, leads a team that aims to simplify the retirement transition by creating personalized financial plans and offering access to advisors. Retirable utilizes an online platform through Altruist LLC to provide diversified, long-term investment strategies primarily using ETF portfolios. Clients must maintain a brokerage account at Altruist Financial to utilize Retirable's services. The firm offers discretionary investment management services based on clients' retirement plans, risk tolerance, and financial circumstances. Clients have the option to select portfolios recommended by Retirable or choose their own, subject to confirmation. Retirable also provides financial planning services tailored to individual needs, including retirement income estimation and insurance needs assessment. As of March 12, 2025, Retirable managed approximately $130 million in client assets on a discretionary basis. The firm charges a 1.00% annual investment advisory fee based on average daily account balance, with a cap at $5,000. Clients may also pay an annual subscription fee for financial planning advice. Retirable does not charge performance-based fees and provides retirement planning services to various client types in the U.S. The firm's investment strategies focus on ETF portfolios and fixed-income securities to meet clients' goals while managing risks. Retirable exercises investment discretion over client accounts, including purchasing, selling, and rebalancing holdings in line with agreed-upon strategies. The firm does not have any disciplinary information and uses Altruist Financial as the custodian for client assets. Clients receive quarterly statements directly from the custodian.