When it comes to lifetime income, one thing matters above all else: peace of mind.
- Peace of mind that your assets are real.
- Peace of mind that you can see what they’re worth.
- Peace of mind that your lifetime income is not dependent on complex, hidden risks.
That’s why we made a very intentional choice:
your lifetime income trust is backed only by the most liquid, transparently priced, issuer risk-free assets in the world, rather than hard-to-value and often illiquid investments like private credit.
This decision is about clarity, fairness, and long-term security.
Your Assets Are in Your Trust — Not a Pool
A common concern with lifetime income arrangements is, “Where exactly is my money?”
In our structure, your assets are not pooled with other members’ assets.
- You have your own dedicated trust
- Your assets are legally segregated
- Ownership is always clear and traceable
While the tontine mechanism provides longevity credits, the assets themselves remain yours. They are not mixed, blended, or shared behind the scenes.
You Can See Daily Valuations — Any Time
Every asset in your trust is priced daily using real market prices.
That means:
- No estimates
- No delayed appraisals
- No “trust us” numbers
You can see what your trust owns and what it is worth every day, giving you ongoing confidence and visibility into your financial position.
For lifetime income, transparency isn’t just reassuring — it’s essential.
Private Credit vs. Our Approach
Some income products invest in private credit or similar strategies to try to earn higher returns. These investments can work well in good times, but they come with trade-offs that matter over a lifetime.
Here’s how they compare:
| Private Credit–Based Products | Our Approach | |
|---|---|---|
| Can assets be sold easily? | Often no — money may be tied up | Yes — highly liquid markets |
| How are values set? | Estimates or manager opinions | Real market prices every day |
| Can you see prices daily? | Often limited or delayed | Yes — fully visible |
| Risk of default? | Yes — borrowers can fail | No — issuer risk-free assets |
| What happens in a crisis? | May be difficult to convert to cash to fund distributions during market stress | Markets historically remain active |
| Are assets pooled? | Often | No — assets stay in your trust |
| Purpose of liquidity | Not primarily designed to meet ongoing cash payouts | Specifically selected to reliably fund monthly distributions |
In a lifetime income trust, liquidity exists so that monthly distributions can be paid smoothly and on time — not for trading or speculation.
Why We Avoid Hard-to-See, Hard-to-Sell Investments
Private credit and similar investments are sometimes described as “stable,” but that stability often comes from not being priced every day, not from being risk-free.
Over long periods, these investments can:
- Be difficult to value accurately
- Become hard to sell during market stress
- Be exposed to borrower defaults
When assets cannot be readily converted to cash, distributions may depend on manager discretion, borrowing, or delayed realization of value. In stressed markets, this can lead to distribution pressure at precisely the moment members rely on income most. For lifetime income, this dependency on illiquid assets introduces avoidable uncertainty.
ERISA-Like Risk Discipline (by Design)
While not all of our trusts will fall under ERISA, its core principles are instructive:
- Emphasis on liquidity
- Clear valuation standards
- Avoidance of imprudent concentration in illiquid or hard-to-value assets
Our approach mirrors these principles structurally, even where they are not legally mandated.
Why We Use Assets Designed for Reliability
The assets backing your trust are chosen because they are:
- Easy to value
- Easy to sell
- Widely traded around the world
- Not dependent on a company or borrower staying solvent
These characteristics help ensure your trust can operate smoothly through all market conditions, not just the good ones.
Why Your Trust May Hold Gold and Silver
In addition to other assets, your may choose from eligible trust assets including precious metals like gold and silver.
These assets play a different role to private credit instruments.
They are not about income — they are about protecting purchasing power over time.
Protecting Against Inflation
Over long periods, paper currencies tend to lose value as prices rise. Gold and silver are scarce, tangible assets that have historically held their value as currencies change.
A Transparent and Liquid Long-Term Store of Value
While precious metals can move up and down in the short term, their ability to preserve purchasing power has endured across generations, economic cycles, and monetary systems.
Gold and silver trade in global markets with clear, daily pricing, you can see their value at any time.
When we talk about liquidity, we’re not talking about trading or trying to time the market. Liquidity matters because your trust makes monthly income payments. Assets that can be easily sold in large, transparent markets allow those payments to be made smoothly and reliably, even when markets are under stress.
Why This Matters to You
Your lifetime income trust is designed to give you confidence you can live with for decades.
That means:
- Your assets stay in your own trust — they are not pooled or mixed with others
- You can see daily valuations — no hidden numbers, no guesswork, no conflicts of interest
- Your trust holds highly liquid, easy-to-value assets — so it can function in all market conditions
- There is no issuer default risk — your income isn’t dependent on a borrower staying solvent
- Your purchasing power may be protected over time — including through exposure to real assets like gold and silver
Liquidity ensures that distributions are funded by real market transactions, not accounting estimates.
In short, we focus on clarity and resilience so you can focus on living your life — not worrying about what’s happening behind the curtain.
Frequently Asked Questions (FAQ)
Q: Are my assets pooled with other members?
No.
Your assets are held in your own dedicated trust, legally segregated and clearly owned for your benefit only during your lifetime. While longevity credits come from the tontine structure, the underlying assets themselves are not pooled.
Q: Can I see what my trust is worth?
Yes.
All assets in your trust are valued daily using real market prices. You can see what your trust owns and what it is worth at any time.
Q: Why don’t you invest in private credit or similar strategies?
Because lifetime income prioritizes reliability over complexity.
Private credit investments can be hard to value, difficult to sell during market stress, and exposed to borrower defaults. We believe those risks are unnecessary for a structure designed to last a lifetime.
Q: What does “issuer risk-free” mean?
It means the assets backing your trust are not dependent on a company or borrower being able to repay a debt. There is no corporate balance sheet or private borrower that could default and impair your trust.
Q: Why does my trust hold gold or silver?
Gold and silver are held to help protect your purchasing power over long periods of time.
While they do not produce income, they are scarce, tangible assets that have historically retained value across inflation, currency changes, and economic cycles.
Q: Will the value of my trust go up and down?
Yes.
Like all market-priced assets, values will fluctuate. The difference is that you can see those changes clearly and honestly, rather than having risk hidden through delayed or estimated pricing.
Q: Will my monthly distributions go up and down?
Yes — they can change over time, but not abruptly or unpredictably.
Your distributions are based on the long-term compound annual growth rate (CAGR) of the assets in your trust, applied to their current value. Rather than reacting to short-term market movements, our algorithms are specifically designed to smooth and stabilize distributions over time.
Q: What is the main goal of this design?
To provide lifetime income with transparency, fairness, and peace of mind.
We are not trying to chase the highest possible returns. We are designing a structure meant to endure — through market cycles, economic changes, and long lifetimes.
