About | Terra Ceia Wealth & Insurance

Meet the founders

The people behind your plan.

Two founders, one shared promise: clear, personal guidance for every stage of your plan.

Kimberly Foglia

Founder

I started Terra Ceia Wealth & Insurance after one too many conversations that went something like this: “Do I have enough to retire?” followed by a long, thoughtful pause and a vague gesture toward a shoebox of statements. I realized most people can tell you exactly what their fantasy football roster is worth, but not what’s in their 401(k), how it’s taxed, or what happens to it if life throws a curveball. That gap isn’t about intelligence. Nobody ever sat down and walked them through it in plain English. So I decided to be that person.

My goal is simple: help you see everything you’ve built, figure out what you’ll need to retire comfortably, and protect it from taxes, surprises, and anything else that tries to take a bite. Because the people I work with have spent their lives earning it, and they deserve to keep it.

Kristina Zucal

Founder

For years, I was a single mom, and that experience taught me how to stretch a dollar, expect the unexpected, and focus on what really matters.

I learned that financial security isn’t just about money. It’s about peace of mind, choices, and protecting the people you love.

I also learned that we shouldn’t spend our whole lives working hard just to get really good at… working hard. At some point, we should actually get to enjoy what we’ve built.

That’s my why: helping people protect what they’ve worked so hard for, prepare confidently for retirement, and enjoy the life they’ve earned.

Because wealth isn’t just what you have. It’s what it allows you to do.

Pier at sunset on the bay in Terra Ceia, Florida

Our story

A conversation at sunset in Terra Ceia, Florida.

Terra Ceia Wealth & Insurance was inspired by a simple moment. While sitting along the bay in Terra Ceia, Florida, watching the sun set over the water, we talked about what truly matters in life. We realized that the greatest gift isn't just financial success. It's the peace of mind and freedom to slow down and enjoy the moments that matter most.

That conversation became our mission: to help individuals, families, and business owners protect what they've worked so hard to build, prepare confidently for retirement, and create the freedom to enjoy life's journey.

Every recommendation we make is guided by one belief: when your future is protected, you can spend less time worrying about tomorrow and more time enjoying today.

Founded by Kimberly Foglia and Kristina Zucal. Meet the founders →

What makes us different

Insurance is about people, not policies.

That's why we treat every client like family, take the time to truly know you, and are here when you need us most.

We believe personal service, real relationships, and having someone who truly knows you will never go out of style.

Does a call center know your pet's name?

Terra Ceia Wealth & Insurance

How we work

What guides every recommendation.

Three principles we hold ourselves to, whether we're reviewing a single policy or building a plan for the next thirty years.

The whole picture, always

No recommendation gets made in isolation. Every policy and every strategy is weighed against the rest of your plan.

Plain language, honest answers

If something doesn't make sense for you, we'll say so, even if that means recommending less than we could sell.

Relationships over transactions

We build plans meant to be revisited for years, through new jobs, new kids, retirement, and beyond.

Plan today. Protect tomorrow. Build legacy.