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We are changing the way the world thinks about retirement

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 we keep the 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.

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The Team

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Dean McClelland


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Kevin Maas

President - US Business

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Bertan Gueler, CFA

Head of Quantitative Engineering

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Jeremy Barisch-Rooney

Head of Engineering

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Guo Liang Oon

Senior Haskell Developer

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Andrew Condon

Haskeller, Systems Architect

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Milosh Spasovski, BSC

Head of Frontend Development

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Alberto Menico

Digital Marketing

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Fernando Simião

Head of UX/UI Design

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Filip Karaniku

UX/UI Designer

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Lari Markovski

UX/UI Designer

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Stefan Tasevski

Head of Mobile Engineering

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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

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Jorik Van Zanden LLM

Pan-European Pensions Expert

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Suzana Md Samsudi

Specialist in Islamic Retirement Solutions

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Norbert Gehrke

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

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Michael Edelson

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

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Jörg Platzer

Economist, Director of Deutsche DLT Assoc., Tontines Expert

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Jon Matonis

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

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Jumaatun Azmi

Founder of the World Halal Forum

What do financial experts generally think about tontines?

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"Unknown risk of living long."

No one knows that they are a high risk to live to a hundred so you have to worry about getting unlucky and living to a hundred so that is the problem (those in the tontine industry) are working to solve.


Richard Thaler

Professor - University of Chicago Booth School of Business

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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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Website TermsPrivacy Policy

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

Tontine Trust is a consumer-oriented fintech that provides software and marketing solutions to banks, chartered trust companies and credit unions (each a ‘Bank’) which enables the Banks to offer state of the art retirement income solutions such as the Tontine IRA™.

Banking, trustee and fiduciary services in the US are provided by Bank partner(s) 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 directly insured by the FDIC because they are not a deposit or other obligation of, or guaranteed by a Bank or state chartered trust company and and as such are subject to investment risks, including possible loss of the principal amount invested, particularly if the member passes away before they have receive total income in excess of their original contribution to the TontineIRA™.