Retirement and Financial Planning Specialists for Teachers & Public Servants

We have professionals to help you in any state and we’re virtual! Online appointments available.

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. We are a national brand and our agents are trained to understand your unique needs.

2020 Best in Biz Award Winner


We’re wrapping up 2020 with a wonderful gift! For the second year in a row Appreciation Financial has received the Gold “Company of the Year-West U.S.” award in the 10th annual Best in Biz awards and CEO Terry Kennedy received the Gold “Entrepreneur/Founder of the Year” award! Congratulations to us!

Bombshell Announcement: Appreciation Financial is taking home the GOLD!


Appreciation Financial is taking home the GOLD! Join us in celebrating our 2020 GOLD Stevie®️ Awards in not one, but TWO different categories! We have been awarded the GOLD Stevie®️ Award for “Company of the Year-Financial Services-Medium”, and for the second year in a row our CEO and fearless leader Terry Kennedy has received the GOLD Stevie®️ Award for “Entrepreneur of the Year-Financial Services ” in The 18th Annual American Business Awards®️.


The American Business Awards are the U.S.A.’s premier business awards program and the Gold Stevie Award is the highest achievement that one can earn. More than 3,600 nominations from organizations of all sizes and in almost every industry were submitted this year for consideration in a wide range of categories.


This year’s awards will be given out virtually during a live event on Wednesday, August 5. More info to come.


Congratulations to us!

2019 Best in Biz Award Winner


Appreciation Financial was named the “2019 Company of the Year-West U.S.” by the Best in Biz Awards. Best in Biz Awards is the only independent business awards program judged by prominent editors and reporters from top-tier publications in North America. Congratulations to us!

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 Ambassador project at your school by simply sending an email to


See us in action!

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!

Latest Blog Posts

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  • Saving money can be hard. When incoming money is barely more than outgoing expenses, how do you save for your future? At Appreciation Financial, we understand how hard it can be to build your savings up. Our representatives are familiar with the ups and downs......