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
Personal Finance Tips for Military Families
Military families face unique challenges, making personal finance even more critical.
Critical Estate Documents
Sound estate management includes creating financial and healthcare documents. Here's an inside look.
Consider Keeping Your Life Insurance When You Retire
Reasons to retain your coverage into your retirement years.
Personalize Your Wealth Strategy with Diverse Investments
Wondering if there's one right way to invest? Learn why a personalized approach can help you pursue your financial goals.
Five Most Overlooked Tax Deductions
Five overlooked tax deductions to help manage your tax bill.
How Insurance Deductibles Work
Knowing how insurance deductibles work can help you save money.
Financial Aid for Students 101
Help your college-bound child explore scholarships, grants, and more with this article on paying for higher education.
Women and Wealth: A Pivot Towards Retirement
Tips and strategies for women approaching retirement to ensure a smooth transition.
Understanding FDIC Insurance
FDIC insurance was designed to protect your deposited funds, but do you know how? This article answers that question.
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Bi-Weekly Mortgage Payments
See how switching to bi-weekly mortgage payments could reduce interest and shorten your loan.
Should I Buy or Lease an Auto?
Compare the true costs of buying versus leasing a vehicle to find the better fit for you.
What Is My Net Worth?
Get a snapshot of your overall financial picture by calculating your total net worth.
Comparing Mortgage Terms
Compare different mortgage term lengths side by side to find the option that fits your budget.
Student Loan Payoff Calculator: Extra Payments Can Save You
See how extra payments toward your student loans could shorten your payoff timeline.
Debt vs. Investment
Weigh the potential outcomes of paying off debt versus directing those dollars elsewhere.
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Preparation is the Key to Retirement
The simplest ideas can sometimes make a massive difference over time. Enjoy this brief video to learn more.
Bridging the Confidence Gap
In the world of finance, the effects of the "confidence gap" can be especially apparent.
Leaving Your Lasting Legacy
Want to do more with your wealth? You might want to consider creating a charitable foundation.
RE: Retirement
How does your ideal retirement differ from reality, and what can we do to better align the two?
Emerging Market Opportunities
What are your options for investing in emerging markets?
The Long Run: Women and Retirement
For women, retirement strategy is a long race. It’s helpful to know the route.