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Meet Our Team

Get to know the defined benefit plan consultants behind our success

Frances Rivera

Administration Consultant (Jacksonville)

Frances Rivera, a member of October Three’s plan administration team, has over thirteen years of experience in the retirement industry. Frances has worked for the Retirement System Administration of the Commonwealth of Puerto Rico and VOYA Financial (formerly ING), through which she acquired significant product, service and administration knowledge specific to defined benefit plans. Additionally, she spent five years in Quality Assurance for defined contribution plans, auditing transactions and system performance for more than 80 large market and tax exempt plans. 

Frances’ experience with project leadership and passion for continuous improvement have allowed her to identify gaps between departments, streamline procedures, and increase overall customer satisfaction. Her ambition for excellence has fueled her career growth as well as assisted her in developing her critical thinking and communication skills. She decided to join October Three because she wanted to be part of a larger purpose: building a new understanding of defined benefit plans through solution-driven innovation and transparency. 

Frances graduated from Universidad de Puerto Rico with a Management-focused Bachelor’s degree in Business and holds a Master of Business Administration with a focus in Accounting from the University of Phoenix. She has also completed CPA Review and Federal Taxation studies at Golden Gate University. Frances is the proud mother of two beautiful girls, is passionate about photography and human behavior, and loves to learn about new developments in technology. 





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