How likely are you to recommend us to a friend or colleague?

Data unavailable

Least likely

Data unavailable

Most likely

Data unavailable

We are changing the way the world thinks about lifetime income

Tontine Trust is a fintech trust company founded on the principle that after working hard and saving for decades that you should then be able to relax and enjoy your retirement without the fear of running out of money in later years.

We believe that retirement income pensions should be safe, sustainable, easy to understand and should offer fair value to savers.

Unlike traditional lifetime income providers, we want to profit with not from our members which is why our fees are so low.

We take pride in being at the forefront of driving innovation across the global retirement industry for the benefit of the people that matter: you the savers.

Team Tontine

Meet the team leading the tontine renaissance

Dean McClelland
Dean McClelland

Founder/CEO

Dean McClelland

White rectangle icon with transparent LinkedIn logo in the middle
Gary Haran Doyle
Gary Haran Doyle

COO & MLRO

Gary Haran Doyle

White rectangle icon with transparent LinkedIn logo in the middle
Joao Almeida
Joao Almeida

Chief Financial Officer

Joao Almeida

White rectangle icon with transparent LinkedIn logo in the middle
Ian McKnight
Ian McKnight

Chief Investment Officer

Ian McKnight

White rectangle icon with transparent LinkedIn logo in the middle
Kevin Maas
Kevin Maas

Head of Regulatory Affairs

Kevin Maas

White rectangle icon with transparent LinkedIn logo in the middle
Milosh Spasovski, BSC
Milosh Spasovski, BSC

Head of Frontend Development

Milosh Spasovski, BSC

White rectangle icon with transparent LinkedIn logo in the middle
Luciano Rolim
Luciano Rolim

Technical Product Manager

Luciano Rolim

White rectangle icon with transparent LinkedIn logo in the middle
Stefan Tasevski
Stefan Tasevski

Head of Mobile Engineering

Stefan Tasevski

White rectangle icon with transparent LinkedIn logo in the middle
Lari Markovski
Lari Markovski

UX/UI Designer

Lari Markovski

White rectangle icon with transparent LinkedIn logo in the middle
Eduardo Lemos
Eduardo Lemos

Haskell Developer

Eduardo Lemos

White rectangle icon with transparent LinkedIn logo in the middle
Dimitar Sarafiloski
Dimitar Sarafiloski

Frontend Web Developer

Dimitar Sarafiloski

White rectangle icon with transparent LinkedIn logo in the middle
Ivan Mihajlovski
Ivan Mihajlovski

Frontend Web Developer

Ivan Mihajlovski

White rectangle icon with transparent LinkedIn logo in the middle
Lorenzo Di TontAi
Lorenzo Di TontAi

The world's 1st Ai-Actuary

Lorenzo Di TontAi

White wikipedia logo with transparent background

Our Advisors

Ensuring we stay true to our old school values & standards

Prof. Hans Van Meerten
Prof. Hans Van Meerten

European Pensions Expert, EIOPA Panel Member, PEPP Specialist

Prof. Hans Van Meerten

White rectangle icon with transparent LinkedIn logo in the middle
Jorik Van Zanden LLM
Jorik Van Zanden LLM

Pan-European Pensions Expert

Jorik Van Zanden LLM

White rectangle icon with transparent LinkedIn logo in the middle
Suzana Md Samsudi
Suzana Md Samsudi

Specialist in Islamic Retirement Solutions

Suzana Md Samsudi

White rectangle icon with transparent LinkedIn logo in the middle
Norbert Gehrke
Norbert Gehrke

Former AIG Japan Strategist, ex Goldman MD, Asia Region Advisor

Norbert Gehrke

White rectangle icon with transparent LinkedIn logo in the middle
Michael Edelson
Michael Edelson

Long term Director of Man Utd FC, VC/Angel & Philanthropist

Michael Edelson

White wikipedia logo with transparent background
Jörg Platzer
Jörg Platzer

Economist, Director of Deutsche DLT Assoc., Tontines Expert

Jörg Platzer

White rectangle icon with transparent LinkedIn logo in the middle
Jon Matonis
Jon Matonis

Ex-VISA & CEO of Hushmail, Founder of the Bitcoin Foundation

Jon Matonis

White rectangle icon with transparent LinkedIn logo in the middle
Jumaatun Azmi
Jumaatun Azmi

Founder of the World Halal Forum

Jumaatun Azmi

White rectangle icon with transparent LinkedIn logo in the middle

What do financial experts generally think about tontines?

  • In Canada we have seven major pension stakeholders calling for longevity risk pooling and in the most recent budget the Canadian government has actually proposed to create a Tontine.

    David John

    Senior strategic policy advisor AARP Public Policy Institute

    Data unavailable
  • Tontines, they solve so many problems for retirees. These guys are bringing them back... super interesting.

    Raoul Pal - CEO

    Real Vision Finance TV

    Data unavailable
  • A tontine resembles a simple low-fee annuity with lifetime payments. Yet unlike an annuity… a tontine can pay a higher yield because of its relative simplicity of structure.

    Moshe Milevsky

    Professor at Schulich School of Business, York University

    Data unavailable
  • First Rate! I'm so excited about your effort, I can barely stand it!

    Gary S. Mettler

    The Annuity Maestro

    Data unavailable
  • The Tontine will oblige those whose interest it is to prolong the life of the old, to treat them with respect and care because of the advantage they will find and will hope to increase . . . It will motivate husbands and their wives to take extremely good care of each other.

    Lorenzo de Tonti

    Inventor of the Tontine

    Data unavailable

Except where stated, there is no suggestion that the above experts are in any way affiliated with, or specifically endorsing, either Tontine Trust or the TontineIRA™. Want to add or remove one of the above quotes? Please contact us here

Who we work with

About Tontine Trust

Tontine Trust Advisors LLC is the US Trust Advisor to Tontine Trust Europe KB, a Swedish regulated Fintech Trust Company providing Tontine Pensions, Tontine Trust Funds and a TontineIRA™ that pays you a monthly income for the rest of your life.

Our business model is based upon offering fair lifetime income products at a fee of only 1% per year to individuals, corporates and governments which ensure that Tontine members can enjoy a monthly income for the rest of their lives.

Blue icon for location with transparent background

88953, 111 NE 1st St, 8th Floor, Miami, FL, Miami-Dade, US, 33132

Blue balloon chats transparent icon

[email protected]

Phone Number

+46850781500

What the world says about us

Forbes Logo on a blue background

Olivia S. Mitchell

Pensions Research Council @ Wharton

Forbes

A tontine is an investment pool managed in an actuarially fair way, according to a plan for distributing fully-funded payouts to investors. There are two key differences between a tontine and an ordinary investment. First, tontine investments are generally irrevocable. Second, account balances are not transferred to a member’s beneficiaries upon death. Instead, remaining assets are equitably apportioned among the pool’s surviving participants. Accordingly, monies forfeited by those who die increase the returns to those who survive.

These extra returns are referred to as “mortality credits.” In this way, tontines allow members to collect lifetime income by collectively self-pooling longevity risk among themselves. This obviates the need for (and cost of) an insurer as guarantor. Tontines are not insurance, though they can deliver lifetime income similar to payout annuities and pensions. Tontines simply cut out the middleman.

Portrait of Raoul Pal against a white background

Raoul Pal

Founder & CEO

Real Vision TV

"Tontines, they solve so many problems for retirees. These guys are bringing them back. Super interesting!"

Portrait of Gary Mettler against a grey background

Gary S. Mettler

Financial Advisor & Author

The Annuity Maestro

First rate! I'm so excited about your effort I can barely stand it!

Money Sense logo on a white background

Jonathan Chevreau

Financial Journalist

MoneySense

Tontines are easier to administer, cleaner and less capital-intensive and can be expected to generate rising payment streams over time, at least for those who live long enough to benefit from the superior mortality credits they provide. In a classical tontine, payments are initially quite low – at best comparable to the risk-free rate on bonds... But as retirees die, tontines become more attractive for those who survive. The last few survivors may receive 10 times more than they put into the scheme.

YouTube logo on a white background

Jason Maggard

This is brilliant. I'm 50 and was in retirement planning a number of years back. All retirees with any amount of money FEAR outliving their money. So they rarely enjoy spending in retirement without guilt. So they scrimp and die someday with 10%-80% of their money left over. How great to know each year you last in retirement your standard of living goes up! Spend Enjoy More Is Coming Next Month. Brilliant!

Portrait of Jason Sen against a white background

Jason Sen

Derivatives Trader / Startup Founder

Intelligent AI Solutions

At 55, my biggest concern is the potential burden on my kids if I'm unable to work and an unexpected illness strikes. The Tontine-based pension product deals with this issue with a steady stream of funds for life to ensure the bills are always getting paid.