Terri Ritchie, NSSA® Advisor · Tampa, FL

Meet Terri Ritchie, a Principal and Financial Advisor at CAPTRUST, located in the heart of Florida. With a specialization in comprehensive retirement planning, Terri empowers clients to navigate the complex transition from wealth accumulation to sustainable income distribution. Her expertise encompasses tax-aware investment strategies, Social Security and Medicare timing frameworks, estate coordination, and enduring retirement income solutions. Terri views retirement not just as a financial milestone, but as a significant life transition that demands clarity, structure, and thoughtful preparation.

Beginning her career at Smith Barney in New York City, Terri quickly developed a passion for guiding clients through life's pivotal financial changes. She has a particular focus on supporting women facing retirement, widowhood, divorce, career transformations, and shifting family dynamics. While Terri's practice caters to individuals, couples, and families, her commitment to fostering financial confidence and independence in women remains a cornerstone of her approach. In January 2026, Terri and her team strategically aligned with CAPTRUST to enhance the resources and capabilities they offer, all while maintaining their hallmark personalized and relationship-driven service.

Terri Ritchie has earned the National Social Security Advisor program, demonstrating advanced expertise in Social Security claiming strategies.

Terri earned her Bachelor of Science in finance and marketing from the University of Florida and proudly achieved her CERTIFIED FINANCIAL PLANNER® certification in 2023, demonstrating her dedication to the highest standards of financial planning excellence.

Outside of her professional endeavors, Terri enjoys life with her husband James, their two children, and their dog Bella. The family actively participates in youth sports and community activities, reinforcing their commitment to nurturing local connections and supporting the community. Trust Terri Ritchie for reliable and insightful retirement planning that adapts to your unique needs and goals.

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