Tontine Trust

Tontine Trust provides a digital retirement income solution through its patented financial technology platform that enables the creation and management of tontine-based retirement trusts. The company offers TontineIRA, a retirement product that provides lifetime monthly income designed to prevent retirees from outliving their savings. The product operates on a tontine principle, where members share longevity risk, and as some members pass away, their remaining balances are redistributed among surviving members, helping to maintain steady account balances despite regular income withdrawals. This structure also allows for potentially increasing income over time to help offset inflation.

The company's platform functions as a trust management service that can handle various types of assets including cash deposits, ETFs, target date funds, mutual funds, hedge funds, commodities, precious metals, stocks, bonds, debentures, and cryptocurrencies. Their technology processes allow users to establish lifetime income trusts quickly and manage their contributions flexibly through a digital interface. Users can adjust contribution amounts, pause payments, or modify income start dates through the platform's app.

Key customers and partnerships

Through its subsidiary Tontine Trust Advisors LLC, the company works with established IRA custodians/trustees and 401k recordkeepers to make the TontineIRA available to US consumers.