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Lifetime Income Solutions for a Modern Workforce
Give your people the security they want—without the cost and complexity you don’t.
Lifetime income is no longer a “nice to have.” Retirement isn’t just a savings question – it’s a longevity risk problem. Most people going it alone respond by living below their means, sacrificing quality of life out of fear they’ll outlive their money.
HR and benefits leaders are caught in the middle – tasked with delivering more meaningful retirement benefits without adding cost, complexity, or long-term risk.
At October Three, we help employers solve this challenge with Market-Based Cash Balance plans—a flexible, modern way to offer lifetime income while still supporting your business goals.
Why Lifetime Income Matters Now
Today’s employees aren’t just asking “Am I saving enough?” They’re asking: “Will it be enough? How long does it need to last?”
Standard 401(k)s don’t offer answers, insurance products are often confusing or inflexible, and traditional pensions are nearly extinct. And yet the stakes are higher than ever:
Uncertainty around longevity creates fear and stress
Retirees underspend, even when they can afford more
Financial insecurity undermines retirement happiness and confidence
Meanwhile:
Employees crave financial confidence
Retention hinges on perceived long-term value
Your benefit strategy needs to support both retirement readiness and workforce planning—not just savings rates
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The 4 Pillars of a Sustainable Retirement Program: An Infographic
The Smarter Lifetime Income Strategy: Market-Based Cash Balance Plans
We design Market-Based Cash Balance plans that pool risk across participants—helping employees generate secure income without guessing their own lifespan, and without locking them into rigid annuity products.
Market-Based Cash Balance plans combine the flexibility of defined contribution plans with the security of pensions—minus the DB plan headaches.
Why HR & Benefits Leaders Choose Market-Based Cash Balance Plans
Strengthen Retention & Engagement
A guaranteed income stream gives employees the confidence to retire on time—and the peace of mind to enjoy it.
Reduce Risk, Not Value
Plans are built with asset-liability alignment to limit volatility without limiting upside.
Simple to Administer, Easy to Explain
We deliver tech-enabled administration and employee communication designed for clarity.
Flexible by Design
Employees aren’t boxed into an all-or-nothing decision. They can mix lump sum, rollover, or annuity at retirement—whatever fits their life.