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It combines advisor-guided retirement planning, discretionary ETF portfolio management, and retirement income support through Retirable’s online tools, advisor communications, and the Altruist investment platform.",[112],{"type":29,"attrs":113},{"color":31},{"type":41,"attrs":115,"content":116},{"textAlign":22},[117],{"text":118,"type":26,"marks":119},"Its advisors focus on retirement-related areas such as income, healthcare, housing, Social Security, taxes, legacy goals, and lifestyle planning.",[120],{"type":29,"attrs":121},{"color":31},{"type":41,"attrs":123,"content":124},{"textAlign":22},[125],{"text":126,"type":26,"marks":127},"Retirable is an SEC-registered investment adviser based in New York. The firm was founded in 2020 by R. 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Clients provide details about their retirement goals, financial situation, risk tolerance, income needs, and distribution timing through online tools, questionnaires, and conversations with advisors. Based on this information, Retirable may create a retirement plan that estimates future assets and retirement income over the client’s projected lifetime.",[202],{"type":29,"attrs":203},{"color":31},{"type":41,"attrs":205,"content":206},{"textAlign":22},[207],{"text":208,"type":26,"marks":209},"For investment clients, Retirable then works with the client to choose an investment strategy and target asset allocation. The agreed recommendation is summarized in an investment policy statement. After that, Retirable manages the account through Altruist, mainly using ETFs and cash or cash-equivalent holdings.",[210],{"type":29,"attrs":211},{"color":31},{"type":41,"attrs":213,"content":214},{"textAlign":22},[215],{"text":216,"type":26,"marks":217},"Retirable also provides ongoing oversight. Accounts are reviewed for rebalancing opportunities at least quarterly, and financial plans, investment strategies, and target allocations are reviewed with clients at least annually or when requested.",[218],{"type":29,"attrs":219},{"color":31},{"type":19,"attrs":221,"content":222},{"level":21,"textAlign":22},[223],{"text":224,"type":26,"marks":225},"Retirable vs. traditional financial advisors and 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