Updated September 15, 2026. Quick answer: Retirable, Inc. is an SEC-registered investment adviser (CRD 307472) built around retirement-income planning. Per its own consumer brochure: “Our capped-fee structure is 1% of Assets Under Management (AUM) with a maximum annual fee of $10,000. No matter how much you invest with Retirable, you’ll never pay more than $10,000 annually.” Do the arithmetic and the cap arrives at roughly a $1,000,000 portfolio (1% × $1M = $10,000); above that, your effective rate keeps falling. Retirable’s own site states no minimum account balance.
Retirable at a glance
| Fact | What the company’s own pages (or its SEC filings) say |
|---|---|
| Fee | 1% of assets under management, annually |
| Fee cap | $10,000/year (reached near a $1,000,000 portfolio; effective rate falls below 1% above that) |
| Minimum balance | None stated on Retirable’s own pages |
| Registration | SEC-registered investment adviser, CRD 307472 (adviserinfo.sec.gov) |
| Advisor credential | Described by Retirable as a “licensed fiduciary”; not specifically stated as CFP® |
| Compensation | “We don’t receive commissions for any investment products, funds, etc.” (Retirable’s own language) |
The fee and where the cap kicks in
1% AUM is a common headline rate, but most advisors charging it don’t cap the dollar amount as assets grow. Retirable’s does: past roughly $1,000,000, you stop paying a straight 1% and start paying a shrinking effective percentage, capped in absolute dollars at $10,000/year. Below $1,000,000, the fee is a flat 1% with no cap benefit yet. Confirm the current figure directly with Retirable before enrolling, since fee schedules on any platform can change.
Who actually advises you
Retirable’s own brochure describes “access to a licensed fiduciary advisor” and says “each advisor is a licensed fiduciary specializing across all areas of retirement, including income, healthcare, and housing.” It states Retirable does not take commissions on investment products. It does not specifically claim its advisors hold the CFP® designation, and its public materials do not state whether advisors are Retirable employees or independent contractors: both left here as honest gaps rather than assumed.
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Bottom line
Retirable, Inc. See the table above for the full record, including what we could not independently confirm this session.
Sources
- Retirable, FAQ (retirable.com/faq): https://retirable.com/faq
- Retirable, consumer brochure PDF: https://retirable.com/pdfs/brochure.pdf
- SEC Investment Adviser Public Disclosure, Retirable Inc., CRD 307472: https://adviserinfo.sec.gov/firm/summary/307472
Methodology. This page was built September 15, 2026, drawing on Retirable’s own published pages and, where noted, SEC.gov filings and releases, with sources linked inline; any figure we could not independently confirm this session is named as an honest gap above rather than presented as verified.
Independent analysis based on the reviewed company’s own published pages and SEC filings where applicable, cited inline with the date we read them. We have not used Retirable as a client. Nothing here is personalized financial, tax, or legal advice. Retirable did not pay for, review, or influence this content. See our Editorial Policy, Corrections, Affiliate Disclosure, and Disclaimer.
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