← Embedded Finance Index 2026

Retirable

“Can a fiduciary-first retirement advisory platform own the full retiree financial lifecycle — planning, investing, banking, and daily spending — in a single product?”

Founded2019
HQNew York, NY
FoundersTyler End
Total raised$10.7M
Latest roundSeed Extension, November 2022
IndustryFintech / Investment
The story

Founded in 2019 as a digital retirement advisory platform for Americans aged 50+, Retirable started with fee-based certified financial planning and evolved into a holistic retirement OS combining advisory services, managed investing, and embedded banking. The platform introduced a debit card and high-yield spending account (backed by Blue Ridge Bank) to let retirees spend directly from their savings, with monthly 'Safe-To-Spend' allowances set by their fiduciary advisor. The embedded finance layer — banking, card issuing via Blue Ridge Bank, and custody/investing via Altruist — distinguishes Retirable from pure-advisory robo platforms.

Last 12 months
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Product timeline
2019
Retirable founded in New York to provide fee-based digital retirement planning from Certified Financial Planners for Americans approaching retirement.· pivot
2021
Raised $4.7M seed round led by Vestigo Ventures to build personalized digital retirement plans.· banking
2022
Announced $6M seed extension led by Primary and launched retirement income and investing services alongside advisory planning, expanding the platform to include a debit card and high-yield spending account.· banking
The stack
3 layers disclosed in Retirable’s embedded-finance stack
Banking / BaaS
Blue Ridge Bank
Card issuing
in the full report
Sponsor bank
in the full report
Accounting gap: minor
2 more providers across 2 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.