Pro Client Guide
Tom Farrar
Cash Flow Strategist & Certified Certainty Advisor
Tom Farrar is a Cash Flow Strategist and an Authorized Infinite Banking Practitioner. He works with business owners, investors and families who want their money doing more than one job at a time, and who want to control it themselves rather than wait on someone else's approval.
Experience
25+ years real estate investing
Credentials & Achievements
From thirty-six houses in 2008 to helping families take control of their own capital, Tom's career has been shaped by a single question: who actually decides what happens to your money when things go wrong.
- Authorized Nelson Nash Infinite Banking Practitioner
- Real estate investor since 1999
- Rebuilt from a total portfolio liquidation in 2008 without filing bankruptcy
About Tom
Background and Expertise
Tom Farrar has been a real estate investor since 1999. By 2008 he held thirty-six houses in Kansas City, conservatively levered and, by his own account, without a dollar in reserve. Anytime he had cash, he bought something else.
Then the market turned, equity fell, and his bank found it more advantageous to sell his portfolio off for pennies on the dollar. The bank liquidated thirteen portfolios that year. Tom was the only one of the thirteen who did not file bankruptcy.
He dug out the way he knew how. He went back to what he understood, opened a roofing company, and rebuilt over the following years. But the question that stayed with him wasn't how to recover. It was how to make sure nobody else ever got to make that decision for him again.
That question led him to Nelson Nash's Becoming Your Own Banker, and what he found there was something he half recognized. For years he had been paying mortgages down fast at a small bank, converting the first lien into a line of credit instead of taking the payoff, then using those lines to buy more property. He had been running the same idea without the foundation underneath it, on terms a bank could change whenever it chose. He'll tell you what that cost him, and he's still angry about it.
He reached out to Barry Brooksby asking for a mentor and has trained under him since. Today he works with clients on the same question in different clothes: where your money sits, who controls it, and what happens to your plans when the person holding it makes a decision that suits them instead of you.
Philosophy
Tom looks at money the way an operator does, not the way a spreadsheet does. Most people are taught to chase a number and to collapse time getting there. He thinks that's the error. What matters is what your money can actually do for you while you still own it, how much of it stays under your control, and whether the plan holds up when circumstances don't cooperate.
His usual invitation is not to take his word for any of it. Send him a date of birth and look at the real numbers.
Current Focus
- Helping investors and business owners redirect money they're already spending into something they own and control
- Building the foundation first, so the opportunities that follow are the result of good structure rather than good timing
Unique Perspective
Tom has been on the wrong side of someone else’s decision about his own money, at a point when he had done nothing wrong by any standard anyone uses. He was conservatively levered and it happened anyway.
That's why he talks about control before he talks about growth. He isn't cautious by temperament. He's spent his life picking hard things and doing them on purpose, on his own terms, with his eyes open. What he objects to is having the terms set by somebody else.
Personal
Tom lives in Kansas City and still invests in real estate. He and his wife have three children, two grown and one still at home. He's happiest outdoors, and the trips he cares about are the ones he takes with his kids. This spring he and his oldest son climbed Mt. Shasta together.
Areas of Expertise
Cash Flow
Money that works while you hold it, instead of money that only counts when you sell.
Control
Access to your own capital without waiting on anyone's approval.
Certainty
A plan that still works when the market, the bank, or the timing doesn't cooperate.
Legacy
What you built arriving where you intended, whether you're there or not.
Tom's Recent Articles
Preparing Heirs: Why Formation Matters More Than Financial Literacy
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How to Keep Family Land in the Family: The 8 Threats and the Plan That Actually Works
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The 401k Is Not an Investment. It Is Price Support.
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The Family Bank: What Most Generational Wealth Strategies Are Missing
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Whole Life Insurance for Retirement: How to Create Tax-Free Income for Life
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The Asset Class Nobody Told You About (And Why Banks Hold $205 Billion of It)
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Cash Value Life Insurance: How It Works, How It Grows, and How to Access It
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Infinite Banking Concept: How It Works and Why It Changes Everything
ReadReady to talk it through with Tom?
A Fit Call is a conversation, not a pitch. Bring your numbers and your questions — leave with a clear picture of whether this strategy fits your situation.