CEO Terry Kennedy

Terry Kennedy is the founder, president and active CEO of Appreciation Financial, a full-service financial services company working in the 403b public employee niche. Kennedy is a visionary who has overcome odds, trusted his path, and has disrupted an entire industry. Kennedy has an internal drive for success through providing opportunity and helping others. Kennedy’s life is devoted to growing the Appreciation Financial opportunity so both the Appreciation Family and clients can make and save money for a better lifestyle and increased financial freedom.

Focused on providing solutions for all areas of your life, including insurance and retirement planning, the birth of Appreciation Financial happened in a classroom. Kennedy saw the 403 market as underserved and deserving of help. The volatility of public retirement systems, constant union v. school district battles that often impact teacher retirements, create a niche market in need of a professional salesforce to educate the educators and help them retire with dignity.

Kennedy began the process of learning a “system” and working within the rules and regulations of school districts. He met client after client who needed and appreciated his help. Kennedy visited more than 1,000 schools and has personally helped nearly 2,000 teachers plan for a vibrant life after the final bell rings.

He knew a sales force was needed and personally funded a solution to begin quickly hiring by investing in his own multi-pay software. This model allowed the agents that he trained to train others and get paid to do so. His years of failing and succeeding turned into his personal training that could remain intact as each new person imparted it on their trainees.