Thank you for visiting our practice website. Whether you are a current client, were referred to us by a friend of the practice, or learned of our services through our presence in the community, we welcome you.
Rick Farrar is part of Cetera Advisors a preeminent group of financial planners who have prodigious experience in providing wealth management, business continuity, and sophisticated wealth transfer strategies for some of the most affluent families in America. Located in Birmingham, AL, Rick and his team provide holistic financial planning and advice to business owners, executives, foundations and non-profit organizations.
With more than 50 years of combined experience in assisting clients to build and preserve their financial legacies, we can help you compose a future that is in harmony with your vision.
Our financial planning process revolves around you, your business and your family’s financial and lifestyle goals. Through a time tested and established process, we provide you with the comprehensive advice you need to help you make the informed decisions that will secure your present and compose a legacy for the future.
Helpful Content
Problems with Probate
Probate can be a completely public process, or it can be managed to include as little information as possible.
Is a Variable Annuity Right for Me?
Pundits go on and on about how “terrible” or “wonderful” annuities are, but they never talk about if annuities are right.
The Latte Lie and Other Myths
Check out this video to begin separating fact from fiction.
Estate Management Checklist
Is your estate in order? This short quiz may help you assess your overall strategy.
Retirement Is a Beginning
Key questions to answer when you are considering retirement.
Replacing Your Medicare Card
Learn how to replace your lost, stolen, or damaged Medicare card in this helpful article.
6 Habits to Help Preserve and Encourage Generational Wealth
Six essential financial habits to protect wealth and create a legacy that lasts for generations.
You Would Rather Be...
Are you a thrill seeker, or content to relax in the backyard? Use this flowchart to find out more about your risk tolerance.
The Lowdown on Those Free Credit Scores
What’s the deal with your yearly free credit report?
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What Is My Net Worth?
Get a snapshot of your overall financial picture by calculating your total net worth.
Lifetime of Earnings
Estimate how much you may earn over your working years based on your current income.
Debt vs. Investment
Weigh the potential outcomes of paying off debt versus directing those dollars elsewhere.
Annuity Comparison
Compare annuity options to see how each one could affect your long-term income outlook.
How Can I Save a Million Dollars?
See what it takes in monthly contributions and time to reach a million-dollar savings goal.
How Compound Interest Works
Explore how compound interest can grow your money over time with this interactive tool.
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A New Way to Look at Your Bucket List
Bucket lists don’t have to be for tomorrow.
The Wild West of Data Theft
Learn about cyber liability insurance in this entertaining video.
When Do You Need a Will?
When do you need a will? The answer is easy: Right Now.
Preparation is the Key to Retirement
The simplest ideas can sometimes make a massive difference over time. Enjoy this brief video to learn more.
18 Years Worth of Days
The average retirement lasts for 18 years. What will you do with your days?
Inflation and Your Portfolio
Even low inflation rates can pose a threat to investment returns.