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Team Tontine

Meet the history making team, changing the future of retirement

Dean McClelland
Dean McClelland

Founder/CEO

Dean McClelland

Kevin Maas
Kevin Maas

Head of Regulatory Affairs

Kevin Maas

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Ian McKnight
Ian McKnight

Chief Investment Officer

Ian McKnight

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Gary Haran Doyle
Gary Haran Doyle

Money Laundering Reporting Officer

Gary Haran Doyle

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Milosh Spasovski, BSC
Milosh Spasovski, BSC

Head of Frontend Development

Milosh Spasovski, BSC

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Stefan Tasevski
Stefan Tasevski

Head of Mobile Engineering

Stefan Tasevski

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Lari Markovski
Lari Markovski

UX/UI Designer

Lari Markovski

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Dimitar Sarafiloski
Dimitar Sarafiloski

Frontend Web Developer

Dimitar Sarafiloski

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Ivan Mihajlovski
Ivan Mihajlovski

Frontend Web Developer

Ivan Mihajlovski

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Lorenzo Di TontAi
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
Prof. Hans Van Meerten

European Pensions Expert, EIOPA Panel Member, PEPP Specialist

Prof. Hans Van Meerten

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Jorik Van Zanden LLM
Jorik Van Zanden LLM

Pan-European Pensions Expert

Jorik Van Zanden LLM

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Suzana Md Samsudi
Suzana Md Samsudi

Specialist in Islamic Retirement Solutions

Suzana Md Samsudi

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Norbert Gehrke
Norbert Gehrke

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

Norbert Gehrke

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Michael Edelson
Michael Edelson

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

Michael Edelson

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Jörg Platzer
Jörg Platzer

Economist, Director of Deutsche DLT Assoc., Tontines Expert

Jörg Platzer

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Jon Matonis
Jon Matonis

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

Jon Matonis

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Jumaatun Azmi
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

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 is a Fintech Trust Company in Europe providing Tontine Pensions, Tontine Trustfunds and a TontineIRA™ that pay you a monthly income for the rest of your life.

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

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

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[email protected]

Phone Number

+8486486161

What the world says about us

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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.

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Raoul Pal

Founder & CEO

Real Vision TV

"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

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

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

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!