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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

Annuity Purchase Update: May 2020 Interest Rates

Pension plans have experienced much more volatility in Q1 2020 than any other quarter in recent history. While the market volatility has caused the treasury rates to fall dramatically, the spread between treasury bonds and the bonds insurance companies invest in have widened.

April 2020 Pension Finance Update

Pensions gained marginally in April, as recovering stock markets offset the impact of falling corporate bond yields. Both model plans we track managed gains of less than 1% for the month but remain substantially down for the year, with Plan A off 12% and Plan B almost 4% through the first four months of 2020:

Annuity Purchase Update: April 2020 Interest Rates

COVID-19 has had a profound impact on the world, and as a result of the pandemic, the markets have proven extremely volatile this past month. This increase in rates led to a corresponding decrease in annuity purchase prices of approximately 2.1% for Annuity Plan 1 and 9.6% for Annuity Plan 2.

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