Natively Global

Founded in 2020 by Modern Tontines enthusiasts around the world, Nuovalo is inherently global, just like the pension underfunding problem we aim to solve


Managing Partner

After a long career in insurance and asset management, Richard founded Nuova Longevità Research and helped pioneer the Modern Tontine mechanism in collaboration with fellow researchers Michael Sabin and Jonathan Forman. After producing several publications on the subject, Richard assembled the Nuovalo team to make modern tontines a practical alternative to conventional pensions and portfolio drawdown approaches.

Richard Fullmer

Partner, Actuarial Technology

As a qualified French actuary with 15 years of insurance experience across Asia, various managerial level positions and strong taste for technology, Pascal was naturally attracted by the simplicity and efficiency of Modern Tontines. His role is to implement Modern Tontines Services and to drive Nuovalo’s development

Pascal Winter

Partner, Head of Americas

With over 20 years of experience in the pension business globally, Manuel is a leading expert in pension design, reform, and regulation. Manuel’s role is to drive the Americas business operations and Nuovalo’s global strategy.

Manuel Garcia-Huitron



As a Fellow actuary and past founder of Nobuntu - a B2C tontine venture in South Africa and a Techstars accelerator graduate - Tyron is a passionate entrepreneur with a taste for solving complex problematics. His role is to foster the EMEA business operations and Nuovalo’s development

Tyron Fouche

What if Financial Institutions could tap much deeper into the underserved retirement market ?

…and this solution included:

Low costs
Superior returns
Individualized payouts and asset allocation
High transparency
Lower capital requirements

…and was fully funded and forever sustainable ?