Terri Ritchie is a wealth management financial advisor based in Tampa, FL.

Terri specializes in comprehensive retirement planning. She helps clients move confidently from wealth accumulation to income distribution by designing tax-aware investment strategies, Social Security and Medicare timing frameworks, estate coordination, and sustainable retirement income plans. She believes retirement is not simply a financial event—it is a life transition that requires clarity, structure, and thoughtful preparation. She also has a strong commitment to engaging the next generation, helping families foster financial confidence and stewardship.

Terri began her career in New York City at Smith Barney, gaining early exposure to the discipline and complexity of high-level financial planning. Over time, she developed a passion for guiding clients through life’s most significant financial transitions, with particular experience supporting women navigating retirement, widowhood, divorce, career shifts, and evolving family dynamics. While she has a strong affinity for helping women build financial confidence and independence, her practice serves individuals, couples, and families seeking thoughtful, strategic retirement planning. In January 2026, Terri and her team strategically aligned with CAPTRUST, expanding the resources and capabilities available to their clients while maintaining the personalized, relationship-driven approach they value.

Terri earned her Bachelor of Science in finance and marketing from the University of Florida. She earned her CERTIFIED FINANCIAL PLANNER® certification in 2023 after completing the designation’s rigorous education, examination, experience, and ethics requirements.

Outside of work, Terri enjoys life with her husband, James, their son and daughter, and their dog, Bella. As a family, they are actively involved in youth sports and community activities, supporting the programs that bring families together and strengthen local connections.