Nuovalo Ltd. is a global company specializing in longevity risk pooling solutions founded by widely-recognized pioneers of modern longevity risk sharing
We are trusted partners
We provide integral services
We have global eminence
We bring unique experience
Meet the Team

Richard Fullmer
Chief Executive Officer
Richard is an American investment strategist, pensions researcher, entrepreneur, and innovator. After beginning his career in insurance, he held senior portfolio strategy positions at Fidelity Investments, Russell Investments, and T. Rowe Price. A global authority and thought leader on pension design and portfolio decumulation, he founded Nuova Longevità Research in 2017 where he helped pioneer the field of modern fair tontine finance.
Pascal Winter
Chief Actuary
Pascal is a French actuary with experience in Asia life insurance & pension markets, incl. India, China, Hong Kong, Korea, and Taiwan. He held senior positions in various entities and has extensive experience in actuarial technology and product development and has published about modern tontines in peer reviewed magazines.


Manuel García-Huitrón
Chief Economist and Chief Operating Officer
Manuel is a Mexican economist specializing in the economics and finance of aging. He is passionate about translating best practices and research into viable innovative products. He has been involved in operational, consulting, or advisory work across the Americas, Asia, and Europe and has held senior positions in pension funds and multilateral organizations. He has published widely about pension reform, regulation, and the future of work. He is an ITAM | Yale | Tilburg graduate that advises global regulatory & pension reforms and sits at international pensions and aging platforms boards.
Michael Sabin
Actuarial Advisor
Michael Sabin is a giant of modern tontine research. His groundbreaking work includes major innovations in actuarially-fair tontine design and the mathematical methods to support it.


Those who truly make a difference…​
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do not accept the status quo…​
nor simply innovate around the edges…​
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They think differently…​
outside the box…​
discovering better ways…​
to solve the world’s most challenging problems.​
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Be our inspiration
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