Hi Brook, welcome to the forum.

I think this may work for you to find the second business day 3 months after a date specified in another cell. First, you have to create a list of your holidays in an unused range. In the example below, I put various holidays in H1:H3, including 7/4/2011 (July 4). In A1 I have the date 4/15/2011. In B1 the following formula returns 7/5/2011. If I change A1 to 7/5/2011, B1 returns 10/4/2011.

=WORKDAY(DATE(YEAR(A1),MONTH(A1)+3,0),2,$H$1:$H$3)

One question, though. What if I entered 7/29/2011? Should it still return October 4th? Technically it is still the third month away, however it is definitely not a full three calendar months away.