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Team Tontine

Meet the history making team, changing the future of retirement

Dean McClelland

Founder/CEO

Dean McClelland

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Kevin Maas

Head of Regulatory Affairs

Kevin Maas

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Ian McKnight

Chief Investment Officer

Ian McKnight

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Kimisha Singh

Head of Operations

Kimisha Singh

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Milosh Spasovski, BSC

Head of Frontend Development

Milosh Spasovski, BSC

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Stefan Tasevski

Head of Mobile Engineering

Stefan Tasevski

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Lari Markovski

UX/UI Designer

Lari Markovski

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Lorenzo Di TontAi

The world's 1st Ai-Actuary

Lorenzo Di TontAi

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Our Advisors

Ensuring we stay true to our old school values & standards

Prof. Hans Van Meerten

European Pensions Expert, EIOPA Panel Member, PEPP Specialist

Prof. Hans Van Meerten

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Jorik Van Zanden LLM

Pan-European Pensions Expert

Jorik Van Zanden LLM

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Suzana Md Samsudi

Specialist in Islamic Retirement Solutions

Suzana Md Samsudi

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Norbert Gehrke

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

Norbert Gehrke

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Michael Edelson

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

Michael Edelson

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Jörg Platzer

Economist, Director of Deutsche DLT Assoc., Tontines Expert

Jörg Platzer

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Jon Matonis

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

Jon Matonis

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Jumaatun Azmi

Founder of the World Halal Forum

Jumaatun Azmi

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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

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  • 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

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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

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prosper@tontinetrust.com

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What the world says about us

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Noah Balulis

Youtuber

youtube.com

I have to agree that most people do worry and think about their retirement in fear. It would be lovely to see this change. The world could surely become a happier, more exciting place.

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Jonathan Chevreau

Financial Journalist

MoneySense

moneysense.ca

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.

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Raoul Pal

Founder & CEO

Real Vision TV

realvision.com

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

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Olivia S. Mitchell

Pensions Research Council @ Wharton

Forbes

forbes.com

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.

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Jason Sen

Derivatives Trader / Startup Founder

Intelligent AI Solutions

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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.

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Gary S. Mettler

Financial Advisor & Author

The Annuity Maestro

garysmettler.com

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

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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!