We are changing the way the world thinks about pensions

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

We believe that retirement income solutions should be safe, sustainable, easy to understand and should offer great value for money.

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.


The Team


Dean McClelland



Kevin Maas

Head of Regulatory Affairs


Ian McKnight

Chief Investment Officer


Bryan St.John

Head of Product


Natalie Straight

Chief Marketing Officer


Jeremy Barisch-Rooney

Head of Engineering

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Guo Liang Oon

Senior Haskell Developer


Milosh Spasovski, BSC

Head of Frontend Development


Stefan Tasevski

Head of Mobile Engineering


Bertan Gueler, CFA

Head of Quantitative Engineering


Lari Markovski

UX/UI Designer


Samir Ajdini

Front End Web Developer


Lorenzo di Monad

The world's 1st Robo-Actuary statically typed


Our Advisors and Ambassadors

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Prof. Hans Van Meerten

European Pensions Expert, EIOPA Panel Member, PEPP Specialist


Jorik Van Zanden LLM

Pan-European Pensions Expert


Suzana Md Samsudi

Specialist in Islamic Retirement Solutions


Norbert Gehrke

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


Michael Edelson

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


Jörg Platzer

Economist, Director of Deutsche DLT Assoc., Tontines Expert


Jon Matonis

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


Jumaatun Azmi

Founder of the World Halal Forum


What do financial experts generally think about tontines?

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"Canada proposes a Tontine for pensions!"

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

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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 is a financial technology company that works with banking & trust partners to provide  consumer-oriented lifetime income products. We are incorporated in Florida with our headquarters in Ireland.

Our business model is based upon partnering with banks & trusts to provide innovative, fair and sustainable lifetime incomes to consumers which improve their mental as well as financial health whilst solving their #1 financial need.

Tontine Trust Advisors, LLC

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



What the world says about us

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Raoul Pal

Founder & CEO

Real Vision TV


I love the idea of Tontines. They solve so many problems for retirees. These guys are bringing them back, super interesting.


Olivia S. Mitchell

Pensions Research Council @ Wharton



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.


Gary S. Mettler

Financial Advisor & Author

The Annuity Maestro


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

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Jonathan Chevreau

Financial Journalist



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.

Website TermsPrivacy Policy

© 2023 Tontine Trust Advisors LLC ('Tontine Trust'). All rights reserved.

Tontine Trust is a fintech enabling consumer-friendly lifetime income retirement products such as the state of the art TontineIRA™ via banks, chartered trust companies and credit unions (each a ‘Bank’).

Banking, trustee and fiduciary services in the US are provided by partner Banks which are regulated in the US to act as fiduciaries on behalf of US Tontine IRA™ accountholders (‘members’).

Tontine Trust provides and operates the TontineIRA™ administration and record-keeping platform on behalf of and under the supervision of the Banks.

Tontine Trust is not a Bank or a trust company and does not provide banking & fiduciary services other than certain administrative services in a ministerial capacity as the Trust Advisors to the Tontine IRA™s.

No information on this website or the platforms provided by Tontine Trust should be taken as constituting individual advice to you. The information is informational and of general guidance only. Tontine Trust does not provide investment management services, financial advice, banking or fiduciary services.

The choices you make or do not make around the investment of your retirement account are your own responsibility.‍ Neither Tontine Trust nor the Banks can be held responsible for any financial loss arising from your retirement choices or lack of them.

The amounts and duration of the lifetime income from the Tontine IRA™ are indicative only. By design, neither the amounts nor the duration of retirement income payments from a tontine plan are fixed or guaranteed.

Based upon many years of research and development, the TontineIRA™ platform displays reasonable best estimates of what level of income you can expect to receive over the course of your lifetime. These estimates are constantly reviewed (sometimes nightly) to incorporate any effects on expected incomes caused by changes in interest rates, investment returns, life expectancy and/or the actual mortality experience of members sharing the same tontine.

The Banks we work with are required to manage US trust assets in accordance with the Uniform Prudent Investor Act.‍

To ensure maximum security of capital and income for members, the Tontine IRA™ assets will be invested by the Banks in a basket of FDIC insured deposits such that each up Tontine IRA™ account can obtain FDIC coverage up to approximately $10m of assets per member.

Note that while the deposits made on behalf of the Tontine IRA™s are FDIC insured, the IRA accounts themselves are not a deposit or other obligation of, or guaranteed by a Bank or state chartered trust company and are not directly insured by the FDIC. Therefore they should be considered as being subject to investment risks, including a possible loss on the principal amount invested, for example when a member passes away before they have received total income in excess of their original contribution to the TontineIRA™.