- A partnership built for veterans
- Woobie and Retirable
- Fiduciary retirement planning, no commissions, no product sales
You earned income the IRS cannot tax. Now build a retirement on top of it.
Paid every month. Not taxed as income. Raised by law with the same cost of living adjustment as Social Security. Your VA compensation is the most dependable money in your retirement, and it should be properly incorporated into a financial plan.
Woobie and Retirable, for veterans and service members
- Free
- Nothing to sign
- About 90 seconds
SEC registered investment adviser
Retirable, firm number 307472
Salaried fiduciary advisors
No commissions, no products to sell
Your VA benefits are never affected
Disability compensation is not means tested
How it works
Woobie and Retirable, for veterans and service members
01
Learn from Retirable
- Captions available. You can request the full transcript on the form below.
02
Answer eight questions
8 questions, about 90 seconds
Tell us your rating.
- Your answers go to Woobie and to your Retirable advisor. Never to the VA.
03
Get your Financial Plan
On the call
45 minutes
- What you have, what you owe, when you want to stop working and who depends on you
- Your guaranteed income floor, priced properly for the first time
- When to switch Social Security on, and what waiting is worth
- Whether you have a low tax bracket window worth using before required distributions start
- What your household actually has for health care, including your spouse
- What happens to your family's income if you die first
In your written Blueprint
Within 5 business days
- Every source of retirement income on one page, in the order to spend them
- The decisions you need to make, and roughly when each one lands
- The one thing your advisor would do first if they were you
- A straight answer on whether you need an advisor at all
in partnership with
Woobie gets veterans the rating they earned. Retirable is an SEC registered fiduciary firm that has helped more than 50,000 people plan a retirement. Neither of us could do the other half, so we built one offer together: a retirement plan that starts from your VA rating instead of ignoring it.
The partnership
3,000+
50,000+
Free
Fiduciary
Every retirement plan starts with one question. Yours already has an answer.
Why this partnership exists
01
It is not taxed, and it is not going to be
02
It is a floor, and the floor rises
03
Priced like a portfolio, it is enormous
A 100 percent rating pays $47,263 a year, tax free, indexed to inflation. To draw that much from a portfolio at a four percent withdrawal rate you would need roughly $1.18 million, and more than that once you account for the tax you would owe on the withdrawals.
At 70 percent the equivalent is about $543,000. Most veterans have never once been told this, and so they plan as though it were not there.
Illustration only, using a four percent annual withdrawal assumption and current VA rates. Not a projection of any actual portfolio or of your results.
The Veteran Retirement Blueprint
Built for Woobie members only
No cost. Nothing to sign on the call.
A 45 minute session with an advisor who has been briefed on VA compensation
A fiduciary, not a call center
Your written Blueprint, yours to keep
Built after the call, sent within 5 business days
A rating review from Woobie, running in parallel
The Woobie half of the partnership
Woobie member terms if you decide to go further
If you choose to have Retirable manage your money, Woobie members get the partnership rate rather than the standard one. The advisor puts the number in writing before you commit to anything.
Exact terms confirmed on the call
Six decisions. Each one different
because you served.
What the Blueprint covers
Retirable plans around six areas for every client. Here is what each one actually means when there is a VA rating in the picture.
Social Security timing
- Your VA check is already covering the bills, so you can often afford to wait until 70 and take the larger benefit for life. This one decision is frequently worth six figures.
Health care
- Your VA check is already covering the bills, so you can often afford to wait until 70 and take the larger benefit for life. This one decision is frequently worth six figures.
Taxes
Strategies to avoid an unexpected bill.
- Because VA compensation is not taxable income, you may sit in a far lower bracket than your total cash flow suggests. That opens a Roth conversion window most people never notice.
Housing
- A VA loan with no down payment, property tax exemptions that many states grant at higher ratings, and, if you qualify, the SAH grant all change the arithmetic of staying put.
Legacy and survivors
- Your VA compensation stops the month you die. Whether DIC replaces part of it, and whether SBP was the right call, is the single most consequential gap we find.
Lifestyle
Travel, projects and everything after.
- A guaranteed floor is permission to spend the rest. Veterans routinely underspend their savings by a wide margin because nobody has ever shown them where the floor sits.
This is not for every veteran.
Straight talk
Book the call if
- You are inside about fifteen years of leaving work, or you have already left
- You have a VA rating, a pending claim, or a rating you suspect is too low
- There is money in a TSP, a 401k, an IRA or savings and you are not sure what to do with it
- There is money in a TSP, a 401k, an IRA or savings and you are not sure what to do with it
- You are weighing when to take Social Security, or whether SBP was the right decision
Come back later if
- What you actually need is help filing or increasing a claim. That is Woobie Claims, and it is a different door. Start there and come back.
- You are looking for stock picks, crypto or a way to beat the market. Retirable does not do that.
- You are early in your career with very little saved. Keep it simple, keep contributing, and this will be worth your time in a few years.
The things veterans ask first.
Questions we get
Will any of this affect my VA disability compensation?
No. VA disability compensation is not means tested. It does not go down because you have savings, investments, or income from a job. Nothing you say on the call is reported to the VA, and Retirable has no connection to the VA or to any government agency.
One genuine exception to raise on the call: VA Pension, and benefits like Aid and Attendance, are different from disability compensation, and those are income and asset tested. If you receive VA Pension, tell your advisor at the start. It changes the advice.
What does this cost?
The presentation, the 45 minute call and the written Blueprint cost nothing, and you can walk away with all three. There is no card required and nothing to sign.
If you later choose to have Retirable manage your money, Retirable charges an advisory fee based on the assets it manages for you. Your advisor gives you the exact figure and the fee schedule in writing before you agree to anything, and Woobie members get the partnership rate rather than the standard one. There are no commissions and no products, so the fee is the only way Retirable earns anything from you.
How does Woobie get paid for this?
Directly, so you can weigh it. Retirable pays Woobie a referral fee for veterans who become Retirable clients. That is a conflict of interest and it gives us a reason to recommend Retirable over somebody else, which is why we are telling you on the page rather than in a footnote.
What it does not do is change your fee. Before you become a client, Retirable is required to give you its own written disclosure of this arrangement. Read it. If the Blueprint call is useful and you never hire them, that is a completely fine outcome and we still consider the partnership to have worked.
My claim is still pending, or I am not rated yet. Should I wait?
No, and this is the main reason the two companies did this together. A rating going from 50 percent to 80 percent changes your guaranteed income by more than eleven thousand dollars a year, which changes the entire plan. Doing the claim first and the plan two years later means doing the plan twice.
Put your real situation on the form. The Woobie side looks at the rating, the Retirable side plans around both the number you have today and the number you are likely to end up with.
Is there a minimum amount of savings?
Not to take the Blueprint call. Retirable works with people across a wide range of balances, and if your advisor thinks you would be better served doing something simpler on your own, the honest answer is part of what you are getting. Ask about account tiers and the fee schedule on the call.
Who am I actually going to be talking to?
A licensed, U.S. based Retirable advisor acting as a fiduciary, which means they are required to put your interests ahead of their own. They are paid a salary, so there is no version of this call where they make more money by steering you somewhere. If you go on to become a client, you keep the same person rather than being handed to a service team.
Do I have to move my money anywhere?
Not to get the Blueprint. It is built from what you tell your advisor. Moving or consolidating accounts only comes up if you decide you want Retirable managing them, and that is a separate decision you make later, in writing.
I already have a financial advisor.
Then use this as a second opinion, and bring one question to your existing advisor afterwards: how did you factor my VA compensation into my income floor and my tax bracket? If the answer is a blank look, you have learned something for the price of 45 minutes. If they have it handled, you have learned something better.
You already built the floor. Ninety seconds to find out what goes on top of it.
Woobie and Retirable
Important disclosures
Advisory services. Advisory services are offered through Retirable, Inc., an SEC registered investment adviser, firm number 307472. Registration with the SEC does not imply a certain level of skill or training. Retirable’s Form ADV is available at adviserinfo.sec.gov.
Investment risk. Investing involves risk, including the possible loss of principal. Past performance is not a guarantee or a reliable indicator of future results. Advisory services and investments are not bank deposits and are not FDIC insured. No outcome described on this page is guaranteed.
Not advice. Nothing on this page is investment, tax, legal or accounting advice, a recommendation to buy or sell any security, or an offer of any specific service. Consult a qualified professional about your own circumstances before acting.
Woobie’s role and compensation. Woobie is not an investment adviser or a broker dealer and does not provide investment, tax or legal advice. Woobie receives compensation from Retirable, Inc. for referring clients. This is a material conflict of interest and gives Woobie a financial incentive to recommend Retirable rather than another firm. Before you enter into an advisory relationship, Retirable is required to provide you with its own written disclosure of this arrangement. Woobie is not a client of Retirable and the statements on this page are not testimonials or endorsements from an advisory client.
Government affiliation. Neither Woobie nor Retirable is affiliated with, endorsed by, sponsored by or acting on behalf of the U.S. Department of Veterans Affairs, the Department of Defense or any other government agency. Woobie does not file claims on your behalf. VA benefits are administered solely by the VA, and free claims assistance is available from accredited representatives and Veterans Service Organizations at no charge.
VA figures. Monthly compensation rates shown are the published rates for a veteran alone with no dependents, effective December 1, 2025, taken from va.gov, and are subject to change. Your own amount depends on your combined rating, dependents and any special monthly compensation. Cost of living adjustments are set by law to match the Social Security adjustment and are not guaranteed in any particular amount.
Tax treatment. VA disability compensation is generally excluded from gross income for federal tax purposes. State treatment and individual circumstances vary, and tax law changes. This page does not provide tax advice. Consult a tax professional.
Hypothetical illustrations. The portfolio equivalence figures on this page are hypothetical illustrations calculated from current VA rates and a four percent annual withdrawal assumption used purely to express scale. They are not projections, do not reflect fees, taxes, sequence of returns or any actual portfolio, and should not be relied on as an estimate of your results.
Member terms. Woobie member pricing on Retirable’s advisory fee is subject to Retirable’s current fee schedule and agreement. Exact terms are confirmed in writing by your advisor before you become a client. Availability may change without notice.
Contact consent. Submitting the form authorizes Woobie to transmit your responses to Retirable, Inc. and authorizes Retirable to contact you by phone, text or email, including by automated means, about retirement planning. Consent is not a condition of purchasing any service. Message and data rates may apply. You may opt out at any time by replying STOP to a text or by writing to support@woobie.io.
Need to move your time? Use the reschedule link in your confirmation email. A moved call is fine, a missed one puts you back in the queue.
Woobie does not file VA claims on your behalf and is not a substitute for an accredited representative. We provide medical Consulting and education so you can file an accurate, supported claim. Timelines described on this page are targets, not guarantees, and VA decisions vary by case.
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