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Cash Balance Plans That Unlock Predictable, Tax-Advantaged Retirement Strategies
October Three helps financial advisors and plan sponsors transform retirement planning with flexible, high-contribution Cash Balance Plans that are protected, portable, and designed for predictable success.
Designed for High-Earning Professionals
Protected by ERISA
Significantly Higher Contribution Limits than 401(k) Plans
Supported by Dedicated Experts and Proprietary Tools
Interested in how much you could save with a CB Plan? Try our calculator.
Why Leading Companies Choose October Three
Maximize Contributions, Minimize Tax Burden
Cash Balance Plans offer dramatically higher contribution limits—over $400K annually for some ages—giving your top talent and owners a compliant, tax-efficient way to build wealth fast.
| Age | 2026 Max |
|---|---|
| 50 | $273,000 |
| 55 | $328,000 |
| 60 | $404,000 |
| 65 | $414,000 |
All contributions are fully tax-deductible and grow tax-deferred—no capital gains.
Predictability with Market Return Design
Avoid the funding surprises that come with outdated fixed-return designs. October Three pioneered Market Return Cash Balance Plans, aligning plan performance with real-world investment outcomes.
Result:
Predictable contribution amounts
Better alignment with actual investment results
Reduced actuarial volatility
Full Compliance + White-Glove Administration
October Three makes Cash Balance Plans easy to adopt and manage. Our turnkey model includes:
Plan design tailored to your organization's leadership structure
Full actuarial and administrative services
Government filings and compliance testing
Ongoing consultation and plan maintenance
Every client gets a dedicated Relationship Manager + Actuary team—no call centers, no delays.
Who We Serve
We specialize in working with:
Law firms and medical practices
Closely held companies and partnerships
High-growth private companies
Leadership teams of enterprise employers
70+ AmLaw 200 firms and 40% of the top 10 accounting firms trust October Three.
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