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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.

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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.

May 2022 Pension Finance Update

Financial markets continued to roil in May, but the net impact on pension finance was modest. Both model plans1 we track were close to even on the month.

April 2022 Pension Finance Update

Stock markets tumbled in April, but sharply higher interest rates offset most or all of the impact for pension sponsors. Our two model plans1 saw mixed experience on the month, with Plan A treading water, remaining up almost 5% for the year, while the more conservative Plan B lost 1% last month and is now even through the first four months of 2022:

Annuity Purchase Update – April 2022

Annuity Purchase interest rates jump 60 basis points - the largest month-to-month increase we have ever observed.

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