Ricky attended McCallie High School, and graduated from The University of Tennessee, Knoxville in 1988 with a BS in Business Administration, Finance Major. From 1988 through 1993 he worked for Amsouth Bank as VP Lending. Beginning in 1993 he operated Hospital Therapy Service (HTS), a healthcare company contracting with Hospitals and Skilled Nursing Facilities which was sold to a NYSE publicly traded company in 1997. He was a partner with Foxmark Media, LLC a leading advertising company in Chattanooga, and in 1999 he opened several retail furniture stores specializing in importing European antiques in Cashiers and Asheville NC. Since 2002 he has worked as a Wealth Advisor for UBS Wealth Management in Chattanooga, TN. He has served on numerous local boards and currently serves on the YMCA Chattanooga Metro Board, Northside Neighborhood House Ex-Officio Board, and is a Trustee and Treasurer of the Lula Lake Land Trust. He and his wife Lane live on Lookout Mountain and have five children, Richard III (19), William (17), Hazel (14), Charlie (12), and Freddi (5), and their many loved animals.