We care about our clients, our communities, and our people

Helping educators make and save money.

Appreciation Financial is a full-service retirement planning company serving the unique needs of public service employees and their families. Our mission is to help public service employees make their income last their entire life because they deserve to have a comfortable retirement.

Our clients are public servants and educators.

They are educating our future leaders, pushing through government red tape to get the best outcomes possible for their communities, and even saving lives.


It's our job to present options.

We recommend a variety of quality products to meet our clientss financial planning goals. We are their trusted advisors, their confidants, and their friends. By planning together, a brighter future lies ahead.


Terry Kennedy

After seeing teachers fall victim to bad financial advice, Terry decided to educate the educators about protecting their hard-earned investments. That personal mission led him to start Appreciation Financial in 2008. In the years following, Kennedy has visited more than 1,000 schools and has personally helped nearly 2,000 teachers plan for a vibrant life after the final bell rings.

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