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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

August 2019 Pension Finance Update

Falling stock markets and record-low interest rates combined to produce a brutal August for pension finances. Both model plans we track[1] lost ground last month, ending August at the low point for the year: Plan A lost more than 5% last month and is now down almost 7% for the year, while Plan B lost…

Annuity Purchase Update: August 2019 Interest Rates

August 2019 Duration: 7 Years 15 Years   7 Years 15 Years Range Rate: 2.22% – 2.55% 2.57% – 2.86% Average Rate: 2.41% 2.70% There was a noticeable drop in annuity purchase interest rates in the first and second quarter of 2019. This trend has continued as rates fell again in August.

July 2019 Pension Finance Update

Pension finances dipped slightly in July as long-term corporate bond yields hit record lows. Both model plans we track[1] lost a fraction of 1% last month and are basically treading water (Plan A down 1%, Plan B flat) through the first seven months of 2019: Assets US stocks, led by NASDAQ, enjoyed another strong month…

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