Terry Kennedy

Chief Executive Officer & Director

As Founder, President, and CEO of Appreciation Financial, Terry launched the company in 2009 during one of the most challenging financial periods in modern history. Through resilience, strategic vision, and a relentless commitment to excellence, he scaled Appreciation Financial into a national powerhouse, earning recognition as an Inc. 5000 Fastest-Growing Company in both 2018 and 2019, along with an A+ rating from the Better Business Bureau.

Terry’s leadership and impact have been recognized nationally. He received the Gold Stevie® Award for Entrepreneur of the Year in Financial Services from the American Business Awards in both 2019 and 2020, and was named a finalist for the prestigious Ernst & Young Entrepreneur Of The Year Award.

As Founder and CEO of Grow Capital, Inc. (OTC: GRWC), Terry leads a publicly traded fintech holding company built on the belief that financial services firms deserve world-class infrastructure, technology, and support. Under his leadership, Grow Capital has developed a powerful ecosystem of companies, including Bombshell Technologies, a fintech infrastructure platform, and PERA Administrators, a specialized third-party administrator serving school districts and church organizations with 403(b) and 457 retirement plans.

Terry’s broader vision is to redefine how financial services are delivered—leveraging technology, innovation, and scalable systems to create better outcomes for businesses, advisors, and clients alike.

Beyond business, Terry is deeply committed to impact. He founded Appreciation Ambassadors, a philanthropic initiative focused on renovating and improving public schools in underserved communities—reflecting his core belief that investing in people is the most meaningful investment of all.