Who are we

Our core values

"Our core mission is simply to improve people's lives in retirement.

This requires Futureproof to develop ethical financial products to better meet the needs of Retirees, most of whom are

asset-rich and cash-poor."

Ian Innes - Co-Founder, Futureproof

Futureproof was founded by Allianz Insurance alumni backed up by an experienced team of banking, technology, product development, finance, legal and business transformation executives.

The Executive Team is fully supported by an Advisory Board of Australia's leading technical specialists, product experts, quantitative analysts and actuaries.

At Futureproof, every one of us is driven not only by a passion for innovation, but also a desire to make a real difference.

"The principal objective of Futureproof is the development of low-risk,  fiscally responsible mortgages & financial products for retirement funding.

We aim to dispatch traditional equity release products, notably reverse mortgages, to the rubbish bin of bad ideas...forever!"

John Innes - Co-Founder, Futureproof

Founders & Innovators

Ian Innes Chev.LdH, MM, FAIM, AAII

Ian Innes has 45 years experience in insurance broking, risk underwriting, risk management, risk consulting & as the Broker Representative of Lloyd's of London in Australia.

Ian brings deep domain expertise in insurance and management of risk, holding senior executive roles and as a director of MMI Insurance Group companies (now Allianz Australia).

[Sadly, Ian recently passed away but his Official Acknowledgements as a highly-decorated WWII veteran of Bomber Command (including service with the French Resistance and British SAS operations).  His Life Story is a valuable insight to the defining corporate culture, ethics and business values of Futureproof.]

John Innes LL.B, B.Comm (Accounting, Corporate Finance & Information Technology), MAICD

John Innes co-founded a successful start-up digital insurer that grew to the 3rd largest workers' compensation insurer, and an incorporated legal practice, before being acquired by one of Australia's leading insurers.

Having a strong technology focus, John designed and developed the first knowledge-based insurance enterprise software platforms incorporating data analytics, AI algorithms and machine learning for underwriting, auto-reserving and claims management used by three major Australian insurers, licensed to Regulator & Government Insurers and, later, acquired by Perot Systems Corporation of Dallas, Texas for use by US self-insurers including the  State of New York, Publix Supermarkets, American Airlines, and Boeing.

For 30 years he has worked with  major Australian financial institutions and US technology companies in senior executive roles, including Head of Product Development for Australia's largest insurance carrier.

He brings deep domain knowledge of financial services, technical product development and risk underwriting.

Whilst leading Futureproof, John continues to act as Professional Director of several disruptive technology companies in Australia, United Kingdom, Hong Kong & Channel Islands.


Hong Kong

Futureproof adopts a European style of corporate governance comprising a Supervisory Board of directors and an Advisory Board of  business & technical experts.

The Directors of Group's parent entity in Hong Kong are:

James Huey (Executive Chairman, Futureproof)

John Innes  (Founder & CEO, Futureproof)

 Anastasios Papadopoulos (Non-Executive Director & CEO, IMS Digital Ventures)

Ted Tzovaras (Non-Executive Director, Special Counsel)

Leadership Team

The Senior Leadership  Group banking, insurance , technology & financial services industry veterans each leading their team of executive, non-executive and advisory members having functional responsibilities:

John Innes - Strategy & Product

James Huey - Financial Institutions (Banking & Non-bank Lenders)

Ian Holt - Financial Institutions (Insurance & Reinsurance)

Denis Tebbutt - Operations & Growth

Paul Chronopoulos - Technology & Solutions Architecture 

Wesley Chow - Finance & Audit

Shivagar Siva - Legal & Capital Markets

Richard Briggs - Partnerships & Accenture

Margaret Rochford - Marketing & Corporate Communications

Dr Peter Langkamp OAM - Platform & Product Issuers (Australia)

Tom Hamilton - Platform & Product Issuers (United Kingdom)

Advisory & Technical Specialists

The Advisory Board comprising industry experts from financial services, retail banking & insurance and leading technical specialists in financial risk, insurance risk, actuarial, quantitative analysis, investment modelling, capital markets and product management.

The Advisory Board is hands-on, playing a key role in design, validation and alpha testing of the Equity Preservation Mortgage equity release mortgage and all Futureproof financial products.


John is a compliance, risk and governance specialist in the insurance, financial services and investment industries.

A Fellow of the Financial Services Institute of Australasia and a Responsible Manager of various investment funds.

John was formerly the Chief Investment Officer for Australia's then largest insurer, C E Heath Casualty & General Insurance with $3B in FUM. Currently, founder of property funds group Rimcorp, John is also a non-executive director 360 Capital Group and Quay Fund Services Limited.


Pavel is a senior actuary specialising in financial risk and applied finance.

Previously appointed as Principal Research Scientist in Mathematics and Informatics at CSIRO, he is currently a Professor of Actuarial Studies and Business Analytics at Macquarie University and Director of the Centre for Financial Risk.

Pavel is a respected author on financial & operational risk and a Member of the Retirement Incomes Working Group of the Institute of Actuaries Australia.


John is a senior actuary specialising in risk, insurance and reinsurance.

Previously he was appointed a director of SwissRe and portfolio actuary for CommInsure, MunichRe & MLC Life and responsible for the preparation of Australian life tables at the Office of the Australian Government Actuary.

John is a respected author on financial planning and has been a Member of the Retirement Incomes Working Group of the Institute of Actuaries Australia.


Dr Simoff is an Applied Mathematician and a specialist in data analytics, cognitive algorithms, machine learning and artificial intelligence.

He was previously Dean of the e-Markets Lab at University of Technology, Sydney and is currently Dean of the School of Computer, Data & Mathematics at Western Sydney University.

Simeon is widely published and a Member of the AI Technical Committee of the Australian Computer Society.


Dr De Francesco is a senior econometrist specialising in investment risk, portfolio construction and asset allocation using modern portfolio theory..

Following roles at Commsec, he was appointed Head of Research at Colonial First State Global Asset Management.

Anthony now advises superannuation funds, insurers, banks and asset managers on their asset portfolios & investment risks.


Keith is a statistician and specialist in technical analysis of new products and product management.

Previously Head of Technical Research at IAG Insurance and later Head of Product, Keith developed the digital brand and retail products for Australia largest insurer.

Keith is currently responsible for development of direct insurance products and product compliance at Allianz, a key senior governance role following the Royal Commission into Misconduct in Banking, Insurance & Financial Services


Alfred is a specialist in wholesale mortgage funding and securities markets.

Formerly Head of Mortgage Capital at AMP, he was responsible for the PUMA Mortgage Program that successfully pioneered Australia’s earliest RBMS securitizations.

Alfred is currently an Executive Director of AusFunds Management.


James has over 30 years experience in retail banking & mortgage bond issues & RMBS securitization.

Formerly General Manager (Retail & Commercial Banking) at Westpac Bank and Director of Resimac, Paymate & ePay Asia.

James has served on the Australia-China Business Council and currently Managing Principal (China) of global advisory group, Eaton Square.


John has over 24 years experience in M&A, private equity & financing.

Formerly, a Managing Director at both Macquarie Group and CIMB, he established and was CEO of, Retirement Villages Group (a Macquarie Bank joint venture), the largest in Australia/New Zealand.

John currently runs Conquest Capital, an advisory group specialising in healthcare & consumer and is a Chartered Accountant.


Stephen has over 30 years of experience in financial services, funds management, private equity and accounting.

He has held Director positions with Investec Funds Management, fund manager Sanford C Bernstein & ASX-listed companies.

Formerly, Director Financial Services for BDO Nelson Parkhill (Chartered Accountants), Stephen is currently Chairman of digital life insurer, NobleOak Life Limited


Ian has over 30 years of experience in insurance and reinsurance in the UK and European markets.

He is an 'Accenture Insurance Luminary' and has held Senior Executive and C-Level roles with Aviva.

Ian is now Managing Director of BSA Consulting - specialist UK business and strategy consultants to the insurance and reinsurance industry.

Contact us for more information about Futureproof