Ray Higgins Biography


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

He is a fiduciary financial advisor with more than 39 years of experience in investment management and financial planning.

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 environment where they could bring their institutional expertise and insight to both institutions and individuals.

A vision where clients’ interests 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.

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

Giving back to the San Diego communiity 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 Debbie Higgins Here.