Skip to main content

Higgins Capital Management, Inc.


Decisions are often made on gut and emotion. Then the supporting narrative with graphs and numbers are found for justification. It’s the way of the world.

So, ask yourself, “How much is enough? How much food? How much car? How much house? How much money in the bank? How much retirement? How much net worth.”

If you have put a number on the answers to these questions, then ask yourself, “Where did I get my number? What publication, or mentor or school or algo or guru planted that number in my head?”

Is that number founded in reality? Or is it founded in FOMO?

Rule #1 of Goal Setting is to make it quantifiable and achievable. Otherwise, you are doomed to eternal confusion and bitter disappointment. Are your numbers achievable?

So, let’s talk stocks. The culture is assuring investors that the Bull is supposed to run forever. … to infinity and beyond!

But Stocks appear to be stumbling. The Bull may be stumbling.

Last year the market crashed and was again rescued. How many rescues are there going to be until they don’t work?

These are hard, unpleasant questions. But they have to be answered by someone.

The Bull may be stumbling because inflation is now raising its ugly head. Not the type of inflation that central banks and monetary or fiscal policy can control.

This inflation is new. It is inflation caused by plague related supply chain disruptions. It is inflation caused by geopolitical realignment.

Most devastatingly, it is inflation caused by the beginning of what looks like a new Commodity Super-Cycle. Everything that grows or comes out of the ground is becoming more expensive.

So the Bull may stumble as it looks into the future and sees growing uncertainty and instability. At least it appears to be stumbling. The day will come when that stumble will be more than peccadillos … and we will see the bull stumble and collapse on the floor of the bullring. Get your house in order now.

Are you ready?

Do you have a plan?

If you have a plan, you should have a number. A “stop-loss number.” A “lowest net worth number” that will trigger you becoming more defensive.

Unfortunately, many investment advisors have never experienced a Bear Market.

Ask yours.

At Higgins Capital, we’ve come through 3 Bear Market Monsters.

Experience The Difference visit us at:

Higgins Capital is a Wealth Management Firm. We provide investments and investment management services to local agencies,high net worth individuals and families.

Our team will help you to manage your wealth so that you can get on with what is most important to you. We provide you with personalized solutions to the complexities planning. We are a woman and veteran owned company.

If we can help you navigate these issues, or if you need help with your financial planning or investment management, contact us if we can help you in any way: (858) 459-2993;,, LinkedIn, Facebook.

Higgins Capital is a member of the Financial Industry Regulatory Authority (FINRA), regulated by the Securities and Exchange Commission (SEC), the Municipal Securities Rulemaking Board (MSRB) and the Securities Investor Protection Corporation (SIPC). Ray Higgins San Diego

Legal Disclaimer:  Neither the information, nor any opinion contained in this site constitutes a solicitation or offer by Higgins Capital Management, Inc. to buy or sell any securities. These materials are provided to you for informational purposes only. The information set forth herein is subject to change without updating or prior notification. Higgins Capital Management, Inc. makes no express or implied warranties concerning these materials. Investors are advised to make an independent review and reach their own conclusions regarding the legal, credit, tax, and accounting aspects of all transactions. Ray Higgins San Diego, Ray Higgins La Jolla
Higgins Capital Management, Inc. can only transact business if it is registered in your state of residence.