Overview
Retirable, Inc. (“Retirable” or the “Adviser”) is an investment advisory firm that was founded in
2020 by R. Tyler End, CFP®, who is the principal owner and serves as the Chief Executive Officer.
The Adviser is organized as a Delaware corporation and based in New York, NY.
Retirable’s primary focus is to provide financial planning and investment advisory services to
clients who are retired or approaching and preparing to transition into retirement. Retirable aims
to help clients demystify the transition into retirement through the creation of financial plans and
access to a team of advisors to answer top of mind questions and prepare a roadmap through
retirement. Financial plans can be created through online tools on Retirable’s website and other
communications where a Retirable advisor gets to know each client’s financial situation and
objectives. Investment advisory is provided to achieve clients’ goals and objectives through an
online platform provided through Altruist LLC (“Altruist”) and is focused on diversified, long-term,
and controlled risk holdings in exchange-traded fund (“ETF”) portfolios.
Clients that wish to utilize Retirable’s services, must maintain a brokerage account at Altruist
Financial.
Investment Advisory Services
Retirable provides discretionary investment management services to clients through
recommended portfolios using the Altruist platform. Investment advice is based on a client’s
retirement plan, distribution timing, risk tolerance, life and financial circumstances, which are
obtained through individual questionnaires focusing on different components of retirement. Based
on this information, Retirable financial advisors work with clients to determine an investment
strategy and target asset allocation designed to meet the client’s needs and objectives. Portfolio
recommendations discussed and agreed upon with the client are summarized in an Investment
Policy Statement (“IPS”) then provided to and executed by the client. Retirable generally
recommends the use of Exchange Traded Funds (“ETFs”) and cash or cash equivalents in the
client’s portfolio. Clients have the ability to select a portfolio not recommended by Retirable
subject to confirmation of their understanding that the client is making
such election at their own
discretion and such portfolio is not recommended by Retirable. Although clients may elect
alternative portfolios, clients are unable to make changes to the asset allocation within each
portfolio. Additionally, clients in recommended portfolios have the ability to request restrictions
regarding the securities purchased for their accounts and asset classes and weights are
determined by Retirable. Any changes communicated by the client require an updated IPS and
provided to the client for review and sign off.
Financial Planning Services
Retirable also provides guidance on certain financial planning and strategic wealth management
issues. Depending on a client’s needs and complexity, Retirable provides financial planning and
strategic wealth management services by gathering financial information through oral interviews
and/or the completion of questionnaires and the client’s IPS. After this consultation and if deemed
appropriate, Retirable prepares a financial plan based on the client’s individual financial needs,
goals and tax status which the client will have the opportunity to agree to implement. A financial
plan estimates asset levels and retirement income over a client’s projected lifetime based on
current asset levels and several assumptions, including life expectancy, savings rate, investment
returns, tax rates, and known obligations (such as mortgage).
Subject to the client’s needs, the financial plan will include segments outlining insurance needs
(life, long-term care, etc.), education funding, net worth, or an estate plan strategy review and
recommendations, among other items. Retirable will base any advice on information provided by
the client. Clients are under no obligation to accept or follow any recommendations made by
Retirable.
To the extent requested by a client, Retirable will also provide investment advice on any legacy
assets and financial planning impact. Retirable does not provide single security or options advice,
nor legal or tax advice. Clients are encouraged to consult with their personal tax advisors.
As of March 10, 2024, Retirable managed approximately $60 million in client regulatory assets
under management on a discretionary basis, and none on a non-discretionary basis.