Appreciation Financial

Educators and public servants strive to shape the future and support our communities. However, in their journey to realize these goals, they often face significant financial challenges, including inadequate retirement savings, student loan debts, and other career-related obstacles. In response to these challenges, Appreciation Financial has emerged as a lifeline for teachers, school employees, and public servants throughout the country. Its mission is to bridge the retirement income gap for those who have committed their careers to our communities.

In the public sector, pensions typically cover only 60 percent of final salaries, leaving a daunting 40 percent gap. Appreciation Financial addresses this by educating and guiding individuals to invest in 403(b) retirement accounts, ensuring financial stability during retirement. Its comprehensive financial education program teaches public employees ‘safe money strategies’ for secure investments. It accompanies clients throughout their journey, offering informed decisions, personalized financial plans, and becoming trusted confidants.

“We always sit down with the client and start with a pension analysis. We look at what they will get from their retirement pension,” says Terry Kennedy, president and CEO of Appreciation Financial.

Appreciation Financial’s approach is methodical and comprehensive. It begins with a pension analysis, evaluating what clients can expect from their retirement pension. It works step by step to determine the necessary savings to achieve a secure retirement. Applying a personalized approach, the process takes into account various factors, including debt management and insurance needs. Through this process, the company identifies strategies to unlock additional funds that can be directed towards achieving clients’ retirement goals. This approach is driven by the aim of providing comprehensive and holistic financial guidance tailored to each individual’s unique circumstances.

Deeply attuned to the needs of these unsung heroes shaping our future, Appreciation Financial offers crucial support through award-winning financial planning, nationwide reach, and steadfast dedication.

It serves as a lifeline, guaranteeing comfort and dignity while tackling complex challenges such as debt management. It also offers personalized solutions for educators burdened with student loans and aligns insurance coverage, particularly for those with pensions.

Supporting public sector workers, this trusted partner offers tailored solutions extending beyond traditional retirement planning. Its expert field agents, who have over half a century of collective industry experience, ensure that clients’ real-world financial needs are met efficiently.

A remarkable client success story illustrates the impact of the company’s guidance. A couple in their early thirties, facing limited resources and student debt, sought its help. Through careful planning, the company helped them exceed savings expectations. By retirement, they enjoyed substantial wealth, showcasing the journey from financial challenges to a comfortable retirement.

Appreciation Financial’s success stories highlight its ability to understand individual client needs, guide them toward financial discipline, and ultimately help them achieve the retirement they deserve. Through careful product selection and ongoing support, the company empowers clients to turn financial goals into reality.

Coupled with over 15 years of industry experience and an extensive knowledge of school systems, pensions, and contracts, the company has provided services to more than 250,000 clients spanning over 12,000 school districts nationwide. Its expertise has earned it prestigious awards, including the 2021 Silver Globee Award for Financial Services Disruptor, among other accolades.

Growth, innovative solutions, and an unwavering commitment have established Appreciation Financial as a leader in the financial sector. Dedicated to securing the financial well-being of teachers and public servants in retirement, the company recognizes the growing demand for retirement planning within schools and invites career-changers to join its mission. In today’s retirement-focused era, it stands as a shining example of support for those who are shaping the future, solidifying its pledge to empower professionals all across the country.