Retirement planning isn’t just broken; it was never built for the 70% of Americans who worked 40 years, did what they were supposed to, and still got ghosted by the financial system. Enter Retirable, a New York-based fintech with a simple, quietly radical idea: what if everyone, not just the ultra-wealthy, deserved fiduciary advice, a real income plan, and a monthly retirement paycheck they could actually live on?
On July 16, Retirable locked in a $10 million Series A, led by IA Capital Group, with strategic checks from Nationwide Ventures, Western & Southern Financial Group, Clocktower Ventures, and returning believers at Portage Ventures, Primary Venture Partners, Vestigo Ventures, and SilverCircle. Big names. Bigger implications. This wasn’t a vanity raise; it was the culmination of 50,000+ plans, $175 million in AUM, and one of the stickiest client bases in the game: 99% retention. That’s not a CRM win; that’s building trust at scale.
Tyler End, a CFP® and former Northwestern Mutual advisor, saw it firsthand. Folks with $20K to $2M in savings were being funneled into products, not plans. He teamed up with Ian Yamey, former CTO of Policygenius and QuadPay, and Brian Ramirez, ex-WiseBanyan CEO turned co-founder-turned-strategic-operator, to re-engineer the decumulation journey. You know, the part of the story where most people are told to just “spend down carefully” and hope for the best.
What Retirable did differently was marry tech and human touch without selling out either side. A proprietary 7-year bond ladder pumps out predictable monthly “paychecks” through their branded debit card, while salaried fiduciaries help clients navigate Medicare, Social Security, Roth conversions, and insurance, with no agenda other than doing the right thing. That’s a big reason why Sami Boghos, Yale MBA and ex-Policygenius strategist, joined the squad as VP of Ops. Same with Stephany Kirkpatrick, CFP® and CEO of Orum, now serving as Independent Director. And when Mark Casady, yes, the founder of LPL’s fee-based platform and GP at Vestigo, backs you early? That’s not just capital. That’s conviction.
So what’s next? Retirable’s going national. 50+ hires, mobile app launch, integrated annuity and LTC marketplace, and a digital plan engine that reacts in real time. They’re aiming squarely at the 50 million Americans within 10 years of retirement, a cohort that’s too small for private banking and too complex for a robo. In a sector drunk on accumulation, they’re playing the other half of the game and doing it like professionals.
Retirement isn’t a finish line. It’s a transition. And Retirable just made sure more Americans can walk into it with clarity, confidence, and a paycheck that shows up on time.
