Meet The Team

"I have known the Higgins for 20 years. They are ethical financial professionals who take care of their clients." - Craig -

Welcome to Higgins Capital




Debbie and Ray Higgins are the founders of Higgins Capital. They are husband and wife fiduciary financial advisors with decades of experience and insight. Their flawless reputation is built on transparency, accountability and trust.

Debbie Higgins

Debbie Higgins is the President and Co-Founder of Higgins Capital. 

She has spent more than 40 years working with investors in institutional fixed income and personal financial management.

She is the Chief Investment Strategist at Higgins Capital.

Debbie is also a Wife, Mother, Daughter, Sister, Aunt, Chief Cook and Bottle Washer for her extended family.

Debbie was raised in an Army Family and worked her way through college as a bank teller. Bank management followed before she moved to Merrill Lynch and relocated to San Diego.

Debbie has traded bonds and has been creating investment portfolios and investment policies for decades.

She co-founded Higgins Capital in 1996.

Debbie has been recognized as an authority on investing for local government agencies. She was appointed, by the California State Treasurer, to serve on the California Debt and Investment Advisory Committee (CDIAC).

She is a member of the Investment Advisory Committee for the City of San Diego. She serves on the California Municipal Treasurer's Association Investment Policy Certification Committee and on their Education Committee (CMTA). She is a member of the Finance Committee for the Alliance Healthcare Foundation.

She is an active member of the California Association of County Treasurers and Tax Collectors (CACTTC).

She is an active member of the California Society Municipal Finance Officers (CSMFO).

She has served as Treasurer on the Boards of the Center for Community Solutions and the San Diego Chapter of the National Association of Women Business Owners (NAWBO). She is a founding member of the Miracle Circle's Auxiliary for San Diego's Miracle Babies non-profit.


Ray Higgins

Ray Higgins is the CEO and Co-Founder of Higgins Capital. 

He is a fiduciary financial advisor with more than 40 years of experience in retirement planning and investment management.

Ray grew up in a San Diego Navy Family and graduated from the U.S. Naval Academy. He served as a Surface Warfare Officer in the Western Pacific, Indian Ocean and the Persian  Gulf.

After his Naval Service, he returned to San Diego and joined Merrill Lynch as a Financial Consultant. He met his wife, Debbie, at Merrill Lynch and together they co-founded the Merrill Lynch San Diego Institutional Group.

This institutional group invested for local government agencies, banks, corporations and non-profits.

Ray and Debbie founded Higgins Capital in 1996.

Their vision was to create an company where they could share their institutional expertise and insight with both institutions and individual investors.

A vision where clients’ interests always came first.

Ray is a dedicated family man. He and Debbie have one daughter who lives in San Diego and also works as a finance professional.

He takes a holistic approach to his clients and their financial needs. Each individual and every family is different. Personal service is at the heart of his approach.

Giving back to the San Diego community is a passion. 

Ray is a lifelong blood donor and active in local charities. 

He is a member of the San Diego Yacht Club and an avid waterman.

Learn more about Our Services