Kelly F. (Sellers) Smith

Kelly had an immense love for the ocean. In recent years, she took up scuba diving and found great joy in catching and cooking fresh seafood. The water was her place of peace and freedom.

A determined and self-made woman, Kelly built her own insurance company from the ground up and faithfully provided for her family. She dedicated her life to ensuring her son had more opportunities than she did-and she succeeded. Her work ethic, resilience and sacrificial generosity were the defining marks of her life.

Kelly had a heart that could not ignore someone in need. Whether it was helping an elderly woman named Fay to recover money and find safe housing — and visiting her until she passed so she wouldn’t die alone — or caring for her father through his battle with Alzheimer’s when others would not, Kelly consistently stepped in when most people stepped away. These are only two examples of the countless acts of compassion she quietly carried out throughout her life.

She was strong, protective, and deeply loyal. Though she carried heavy wounds from her past, she never stopped showing love through action. Those who knew her best saw a woman whose toughness masked a deeply tender heart.

Kelly was preceded in death by her husband, Frank Smith; her father, Fay Sellers; and a brother, Barry Cossitor.

She is survived by her son, Joshua Ritchey, and his wife, Jazmin; her grandchildren: Liberty (13), Tesla (11) and Emerson (3); her brothers: Bryce, Brian, Tracy, and Jack Sellers; and her mother, Gloria Sellers.

Kelly’s legacy is one of sacrificial love, fierce protection and unwavering strength. She gave all she had so others wouldn’t suffer. She will be deeply missed, profoundly honored and forever remembered by those whose lives she touched.

Friends will be received from 10 a.m. until noon Thursday, Oct. 23, 2025, at Plank, Stitt & Stevens Funeral Home, 421 Montgomery St., Hollidaysburg, where a funeral will immediately follow at noon.

Condolences may be made at www.stevensfamilyfuneralhomes.com or Stevens Family Funeral Homes Facebook page.