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Change the Way You Look at Defined Benefit Plans.

In an industry where confusion and skepticism run high, we’re building a refreshingly new approach—one based on innovation, understanding and transparency.

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Retirement Plans and
Client Relationships…Redefined

Innovation

We design innovative solutions that fit both the urgent needs of today and the impending needs of the future.

Transparency

Operating with full openness, we’re lifting the veil of mystery that shrouds the Defined Benefit landscape to give you a refreshing level of insight into your plan.

Clarity

In a volatile industry, we’re building a new understanding about where the Defined Benefit market is headed and how your DB plan can evolve to deliver more.

Our Approach

Building Great Relationships

Before working with October Three, our participants received an annual statement stating their balance and that was it. Now, through the Daily platform, we are able to minimize our workload in managing the plan and our participants love the self-service capabilities it offers.

October Three works with clients of every size in nearly every industry. Our business is built on forging strong relationships and delivering value and positive results to the clients we serve.

Our Perspective

January 2020 Pension Finance Update

Pensions got clobbered in January, as stock markets mostly lost ground while interest rates reached new all-time lows. Both model plans we track lost ground last month, with Plan A dropping 4% while the more conservative Plan B lost 1%.

Annuity Purchase Update: January 2020 Interest Rates

The average duration 7 annuity purchase interest rates and average duration 15 rates have both increased by roughly 30 basis points since September 2019. This increase in rates since September led to a corresponding decrease in annuity purchase prices of approximately 7% for both Annuity Plan 1 and Annuity Plan 2.

December 2019 Pension Finance Update

2019 was the best of times, then the worst of times, then the best of times again for pension finance. Overall assessment: meh.

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