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.
Safeguard Your Digital Estate
If you died, what would happen to your email archives, social profiles and online accounts?
What Is My Current Net Worth?
Use this calculator to estimate your net worth by adding up your assets and subtracting your liabilities.
Understanding Extended Care
Understanding the types of extended care services—and what those services could cost—may be critical.
Here are 5 reason why you may consider working through retirement.
Living trusts are popular, but their appropriateness will depend upon your individual needs and objectives.
Many Americans are operating their personal finances with only the barest minimum of knowledge.
Bonds may outperform stocks one year only to have stocks rebound the next.
Even the most seasoned investors have biases affecting their financial choices.
90% of small businesses in the U.S. don't protect their data from cyber attacks. Is your business at risk?
This calculator shows how inflation over the years has impacted purchasing power.
This calculator helps determine your pre-tax and after-tax dividend yield on a particular stock.
This calculator compares employee contributions to a Roth 401(k) and a traditional 401(k).
With a few simple inputs you can estimate how much of a mortgage you may be able to obtain.
This calculator may help you estimate how long funds may last given regular withdrawals.
This calculator compares the financial impact of leasing versus buying an automobile.
How federal estate taxes work, plus estate management documents and tactics.
Using smart management to get more of what you want and free up assets to invest.
The chances of needing long-term care, its cost, and strategies for covering that cost.
Lifestyle inflation can be the enemy of wealth building. What could happen if you invested instead of buying more stuff?
Reviewing coverage options is just one thing responsible pet parents can do to help look out for their dogs.
Around the country, attitudes about retirement are shifting.
Want to do more with your wealth? You might want to consider creating a charitable foundation.
Ready for retirement? Find out why many are considering encore careers and push your boundaries into something more, here.
It's easy to let investments accumulate like old receipts in a junk drawer.