Milwaukee, WI Office

Retirable primarily serves individuals who are retired or approaching retirement, along with trusts and retirement accounts, offering financial planning and discretionary investment management. Services are delivered through an online platform (Altruist) and focus on diversified ETF portfolios, an Investment Policy Statement (IPS) for each client, and model portfolio options.

The firm builds retirement plans using client questionnaires and life‑stage distribution assumptions, then implements target asset allocations—typically ETFs and cash or fixed‑maturity fixed‑income ETFs—with discretionary rebalancing and at least quarterly reviews. Retirable describes its retirement advice as provided under a fiduciary standard and relies on Altruist’s custodial and portfolio tools for trade execution, monitoring, and reporting.

Retirable’s business model includes practices that are less common among peers: it compensates third‑party promoters and affiliate marketers (including per‑click and per‑lead arrangements and referral fees) and discloses those relationships to clients. In addition, some advisors are licensed insurance agents who may recommend fixed annuities and receive commission‑based compensation, a potential conflict the firm says it manages through supervision and product‑specific disclosures.