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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

The defined benefit plan market is fraught with complexity and constant change. October Three recognizes these challenges deeply impact our clients’ futures, so we prioritize innovative solutions and transparency. Our employee benefits and retirement plan consultants prepare our clients for uncertainty while providing visibility into their retirement and benefit plans every step of the way. We take a different approach to the defined benefit market by providing:

Innovative Solutions

Our retirement plan consultants design plans that meet today’s urgent needs and prepare you for the future. We go beyond cut-and-paste solutions to provide for our clients’ unique needs and deliver long-term value.

Transparent Planning

We operate with openness and lift the veil of mystery that shrouds the Defined Benefit landscape. Our benefits and retirement plan consultants deliver a refreshing level of insight into your DB plan, enabling control over your long-term goals.

Clear Insight into the DB Industry

The defined benefit market can be volatile, and we believe our clients deserve a clear understanding of how changes affect their plans. Our retirement plan consultants assess where the market is headed and how your Defined Benefit plan can evolve to deliver more.

Learn About Our Retirement Plan Consultants’ 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’s benefits and retirement plan consultants work with clients of all sizes across industries. Our business is built to forge strong relationships, and deliver value and tangible results to every project.

Value-Added Services from Our Benefits and Retirement Plan Consultants

From design to administrative services, our benefits and retirement plan consultants provide innovative solutions for complex defined benefit challenges. With our full range of consulting expertise, forensic analysis tools and advanced technology, you can select the support you need most.

Our Perspective

Keep up with industry trends and learn from our benefits and retirement plan consultants. Our market updates, regulatory outlooks and more inform your DB strategy with expert insights.

Annuity Purchase Update – January 2022

Despite the persistence of the pandemic, it is clear that the outlook for plan sponsors in 2021 is remaining positive. Generally, plan funding statuses in 2021 have improved and annuity purchase prices have declined.

Pension Finance Update – December 2021

Pension finances improved in December due to higher stock markets and higher interest rates

Retirement income, inflation, and retirement finance

The Consumer Price Index (CPI) has steadily risen throughout the year, with prices in September 2021 5.4% higher than the beginning of the year. This represents, fundamentally, a reduction in the buying power of a (nominal) dollar since the beginning of the year.

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