Tammy M. Ferrell, CTFA, CAP®

VP, Sr. Trust and Wealth Advisor

Tammy M. Ferrell joined Citizens Bank & Trust in 2016 and currently serves as a Sr. Trust and Wealth Advisor, working with clients throughout Polk County, East Hillsborough, and beyond. Tammy’s primary focus centers on fiduciary administration, estate planning, and client wealth management, with advisory expertise in philanthropy and family governance. With over 40 years of experience, her role is to provide education, advice and assistance to individuals and families in the development and management of their wealth and legacy goals.

Most recently, Tammy served as Vice President and Trust Advisor with The Northern Trust Company for nearly 11 years. She also worked with Salem Trust Company and NCNB (NationsBank/Bank of America) as a Relationship Manager in the Institutional Trust Department, where she worked her way through the ranks from a pension payments clerk to relationship manager/advisor.

Tammy grew up near Charleston, West Virginia, in the small town of Poca, where she enjoyed cheering for her Poca Dots and being involved with her church activities. She is a Certified Trust and Fiduciary Advisor (CTFA), and a Chartered Advisor in Philanthropy (CAP®), and has an A.S. Degree in Business Administration from Hillsborough Community College. She lives with her husband on a golf course, where they like to play golf with friends. Tammy is also an AWANA Sparks Leader at her church and enjoys spending time with her labradoodle and family.

Professional Designations

  • Certified Trust and Fiduciary Advisor
  • Chartered Advisor in Philanthropy®

Memberships / Activities

  • The Bok Tower Gardens Planned Giving Council
  • Professional Fiduciary Council of Florida Member
  • The Estate Planning Council of Polk County – Member and Former Board President
  • Tampa Bay Estate Planning Council, Past President
  • The Nonprofit Leadership Center, Past Board Chair
  • National Christian Foundation, Plan to Give Conference Committee
  • Easter Seals Florida, Inc., Past Local Advisory Board and State Board
  • Tampa Bay Small Business of the Year Awards, Past Committee Chair


  • A.S. in Business Administration, Hillsborough Community College
  • Florida Graduate Trust School
Tammy Ferrell


VP, Sr. Trust and Wealth Advisor

Easy Access

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