Higgins Capital Management, Inc.

Higgins Capital Management is a state-registered investment adviser that primarily serves individual and high-net-worth clients and also provides consulting to local institutional agencies. The firm offers portfolio management (discretionary and non‑discretionary), comprehensive financial planning (including insurance, estate, retirement, tax/cash flow and education planning), and access to fee-based RBC program accounts and third‑party manager arrangements.

The firm gathers detailed financial information and uses a risk‑profile worksheet to tailor investment guidelines and asset allocations, then implements strategies ranging from long‑term holdings to short‑term trading, including margin and short sales when appropriate. Research methods described in the brochure include fundamental, technical (charting and cyclical) analysis, and the firm monitors accounts on an ongoing basis with at least annual formal reviews and quarterly reporting to clients.

Noteworthy for a small adviser, the firm is also registered as a FINRA member broker‑dealer and its management personnel are registered representatives and licensed insurance agents, which creates the potential for commission‑based compensation alongside advisory fees and is disclosed in the brochure. The combination of broker‑dealer affiliation, active insurance brokerage activity, recommended use of RBC program accounts, and formal introduction/fee‑sharing arrangements with non‑affiliated managers distinguishes the firm from many peers.