OLTIP enables regulated institutions to offer a rule-based capital framework that supports retirement income without turning family capital into a one-generation depletion product.
Ordinary responsible families face a narrow choice: spend down capital through depletion-oriented retirement structures, or invest privately without institutional discipline or continuity.
The frameworks designed for multigenerational capital continuity exist — but only for larger wealth. OLTIP is designed to help institutions make that logic accessible at a broader scale.
Annuities and drawdown models are designed around one-generation capital exhaustion. The design objective is spending, not continuity.
Designed for multigenerational continuity — but structurally inaccessible for ordinary families in terms of scale, cost, and governance complexity.
Without a certified framework and institutional governance, long-duration continuity depends on individual decision quality — not structural design.
OLTIP is relevant to banks, asset managers, pension platforms, and fintech implementors looking for a capital-based retirement-income framework with institutional discipline — and without insurance-style structural burden.
No guaranteed liabilityNo annuity promise. No actuarial reserve. No insurer-style balance sheet exposure. Revenue is fee-based and linear — with no performance risk and no embedded insurance margin.
Long-duration capital baseDesigned around continuity of productive capital, not planned exhaustion within one retirement cycle. Clients don't exit a framework that is generating proportional income from their own capital.
Transparent fee economicsLinear, visible, long-duration economics — without insurance margin or embedded complexity. The 0.15% TER ceiling makes fee logic explicit and auditable by design.
Existing legal wrappersImplemented within established legal and custodial structures — UCITS, defined contribution vehicles, or regulated long-term savings wrappers. No new regulatory category required.
OLTIP is a rule-based institutional implementation standard for multigenerational family capital with a retirement-income function. It is not itself a fund, an annuity, or a retail offering — it defines the rules by which regulated institutions build and operate OLTIP-compatible solutions within their own legal and custodial infrastructure.
The institution implements. The family participates. The protocol governs.
Each participant's capital is held in their own account within regulated custody. No pooling, no redistribution — capital remains in the family estate.
The institution provides custody, compliance, and rule-governed execution within its own legal infrastructure — UCITS, DC vehicle, or long-term savings wrapper.
Monthly income is proportional to Smoothed NAV, locked between peaks, and subject to a predefined Capital Preservation Override. No manager discretion at any stage.
Because income stays proportional to capital, the framework is oriented away from one-generation exhaustion. Capital remains productive, owned, and part of the family estate.
"Traditional retirement structures ask:
how to consume capital safely over one lifetime.
OLTIP asks a different question."
How can institutions support later-life income while keeping family capital productive, owned, and structurally continuous? That difference changes the architecture.
Request Institutional BriefingOLTIP is not trying to replace every retirement product. It is designed to create a new institutional option for families who do not want the default endpoint of capital to be one-generation depletion.
For institutions, that means a disciplined long-duration framework with no balance sheet burden. For families, it means access to a structure that has historically been unavailable outside larger private wealth settings.
A disciplined long-duration capital framework — fee-based, linearly scalable, with no balance sheet exposure and no insurance-style solvency burden.
Access to a multigenerational capital structure that supports income in later life — without giving up ownership, without an insurance promise, and without a depletion endpoint.
OLTIP is designed to be implemented consistently across institutions through certification, audit logic, and controlled protocol stewardship. The objective is not flexibility of interpretation — it is fidelity of implementation.
For institutions exploring a pilot, review, or strategic discussion. The pack includes an institutional briefing note, the full whitepaper, a protocol overview, and a discussion pathway for implementation.
Request Review PackOr write directly: martin.bursik@oltip.org