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Cash Balance Plans Built for Predictable, High-Impact Growth
Transform retirement planning with flexible, high-contribution Cash Balance Plans designed to help high earners maximize tax savings, build wealth faster, and achieve more predictable outcomes.
High-Impact Retirement Strategies for High-Earning Professionals
October Three helps financial advisors and plan sponsors unlock powerful retirement outcomes through Cash Balance Plans that are protected, portable, and built for scale.
Our plans are ideal for:
High-earning professionals and business owners
Firms looking to reward and retain key talent
Organizations seeking tax-efficient wealth strategies
With significantly higher contribution limits than traditional 401(k) plans, Cash Balance Plans create meaningful opportunities for accelerated, tax-deferred growth.
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Why Leading Firms Choose Cash Balance Plans
Cash Balance Plans offer a unique combination of high contribution limits, tax efficiency, and predictable outcomes—making them a powerful tool for firms looking to maximize retirement benefits.
Maximize Contributions
Contribute significantly more than traditional defined contribution plans—potentially exceeding $400K annually depending on age.
Tax Efficiency
Contributions are fully tax-deductible and grow tax-deferred, helping reduce current tax burden while accelerating long-term wealth.
Predictable Outcomes
Plan designs support stable, predictable contribution levels and reduce volatility compared to traditional pension structures.
ERISA Protection
Assets are protected under ERISA, providing security and peace of mind for participants.
Portability
Lump sum distributions can be rolled into IRAs, allowing continued tax-deferred growth beyond employment.
Expert Support
Backed by dedicated actuaries and advisors, plus proprietary tools to simplify plan management.
See How Much You Could Save
Designed for Predictability and Performance
October Three pioneered Market Return Cash Balance Plans to better align plan performance with real-world investment outcomes—helping reduce volatility and improve predictability.
Market-Aligned Returns
Through appropriate sharing of risk between employees and employer, our plans significantly reduce the risk for both parties, as compared to other deferral plans.
Reduced Volatility
Minimize funding surprises with more stable and predictable contribution requirements.
Better Outcomes
Improve alignment between plan performance and participant expectations.
Smarter Design
Built using modern actuarial strategies that reflect today’s investment environment.
Full-Service Support, From Design to Administration
October Three provides a turnkey experience to make Cash Balance Plans easy to implement and manage:
Custom plan design aligned to your organization
Full actuarial and administrative services
Compliance testing and government filings
Ongoing consultation and support
Every client is supported by a dedicated Relationship Manager and Actuary—ensuring fast, expert guidance without the friction of traditional providers.
Trusted by Leading Firms
We partner with a wide range of organizations, including:
Law firms and medical practices
Closely held companies and partnerships
High-growth private companies
Leadership teams at enterprise organizations
October Three is trusted by 60+ AmLaw 200 firms and 40% of the top 10 accounting firms—delivering proven expertise at scale.
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