Award winning financial planning for teachers.

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


Our clients are public servants and Middle America.

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 client’s financial planning goals. We are their trusted advisors, their confidants, and their friends. By planning together, a brighter future lies ahead.

Grab your copy today!


Exciting news! CEO Terry Kennedy and President of Sales Don Spini’s book “Thi$ Change$ Everything” is NOW AVAILABLE on Amazon! Want to gain more clients and create life-changing wealth for you and your family? Below is the link to purchase your copy!


Appreciation Financial was named one of the “Best Entrepreneurial Companies in America” by Entrepreneur Magazine’s Entrepreneur 360TM list.


The Entrepreneur 360TM Ranking delivers the most comprehensive analysis of private companies in America. This study forged by Entrepreneur, has been designed to provide a multidimensional view of entrepreneurship today, recognizing well-rounded, privately-held companies based on their impact, innovation, growth, leadership and value.

The accolades keep coming…


Appreciation Financial once again has earned a spot on the prestigious Inc. 5000 listing of the fastest-growing private companies in America! This is our second year in a row receiving this wonderful honor! Congratulations to us!

CEO Terry Kennedy has been named a FINALIST after the semifinalists were narrowed down for the Ernst & Young Entrepreneur Of The Year® 2019 awards program!

Entrepreneur Of The Year is the world’s most prestigious business award for entrepreneurs. The awards program recognizes entrepreneurs who are excelling in areas such as innovation, financial performance and personal commitment to their businesses and communities.

CEO Terry Kennedy is bringing home the GOLD!


Join us in congratulating him on his GOLD 2019 American Business Awards® Stevie Award for Entrepreneur of the Year-Financial Services!


The American Business Awards are the USA’s premier business awards program and the gold award is the highest level that they give out.

Appreciation Financial Ranks No. 1583 on the 2018 Inc. 5000 list of the Fastest-Growing Companies in America, with Three-Year Revenue Growth of 295 Percent


“I remember reading a statistic that more than 543,000 new businesses get started each month in the USA. When you think about that and how many of those businesses end up closing, it truly is humbling to receive this amazing honor and to know that we are helping so many people make and save money. This ranking is a testament to years of hard work and an amazing staff and sales force.”


– Terry Kennedy, CEO of Appreciation Financial


Learn More

Appreciation is not just our name,
it’s a way of doing business.



Giving back where we do business is a cornerstone of our company. Our Ambassador Program has provided hundreds of thousands of dollars worth of goods, services and gifts to schools and school teachers nationwide.



We provide classroom supplies, teacher recognition prizes – even entire school gardens and playgrounds! We provide much needed goods or labor to cash strapped schools allowing hardworking educators to focus on the task at hand – creating our future leaders!



Do you have a need at your school? Let us help you! Apply for an Appreciation Program project at your school by simply sending an email to



See us in action!

Click to see some of our recent projects:

Click to see some of our recent news stories:

It’s our job to help the helpers.


We are a national brand committed to being vested in the success of each and every community we serve. That means each of our agents have extensive personal and professional experience and is trained to understand your needs. We only retain the best. Our agents are qualified and licensed to sell a variety of retirement and insurance products.


We provide expert advice, convenience of flexible scheduling conducive to busy schedules and overtime hours, and a unique understanding of the needs of hardworking public servants.