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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


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


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.


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

Annuity Purchase Update: October 2019 Interest Rates

October 2019 Duration: 7 Years 15 Years   7 Years 15 Years Range Rate: 1.99% – 2.35% 2.19% – 2.59% Average Rate: 2.16% 2.39% Although annuity purchase interest rates decreased throughout the year, a jump in rates was observed at the start of the fourth quarter. The activity of plans purchasing annuities remained constant throughout…

2020 Increases for Retirement Plans, Social Security

The Social Security Administration just announced benefit increases effective in 2020. Current retirees will receive a cost-of-living increase, beginning in January 2020, of 1.6%, reflecting the increase in CPI-W between the 3rd quarter of 2018 and the 3rd quarter of 2019.

September 2019 Pension Finance Update

Both stocks and interest rates moved higher in September, helping plans partially recover from an awful August. Both model plans we track[1] gained ground last month: Plan A improved 2% last month but remains down almost 5% for the year, while Plan B gained less than 1% and remains down 1% through the first three quarters of…

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