“Can a fiduciary-first retirement advisory platform own the full retiree financial lifecycle — planning, investing, banking, and daily spending — in a single product?”
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.
Retirable discloses Blue Ridge Bank as its banking provider, according to the Embedded Finance Index 2026.
Retirable does not disclose a bank charter of its own; its banking services are provided through Blue Ridge Bank.
Retirable's cards are issued through Blue Ridge Bank.
The Embedded Finance Index 2026 maps 3 layers in Retirable's stack: Banking / BaaS (Blue Ridge Bank); Card issuing (Blue Ridge Bank); Sponsor bank (Blue Ridge Bank).
Retirable was founded by Tyler End and is founded in 2019, headquartered in New York, NY.
Retirable has raised $10.7M in total (latest round: Seed Extension, November 2022).
Get a read on where your own stack stands against Retirable and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.