Michelle Perry Higgins is a Principal and Financial Advisor with California Financial Advisors in San Ramon, California. She is also a Certified Financial Therapist™ (CFT™) Professional through the Financial Therapy Association. California Financial Advisors has ranked in the top 10 in the nation on CNBC’s FA 100 List for six consecutive years. Her firm was named among America’s Top RIAs in 2022, 2023, and 2024 by Financial Advisor Magazine, and among the Financial Times Top 300 firms in 2017, with over $2.0 billion in assets under management as of December 2025.

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Since 1996, Higgins has built a thriving practice advising Fortune 500 company executives and young professionals alike. She specializes in wealth management and promotes financial literacy throughout the retirement planning process.

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Her work has been recognized many times over the last 28 years. Among her many achievements, she was named one of Investopedia’s Top 100 Most Influential Financial Advisors in 2017, 2018, and 2022. WealthManagement.com ranked her on its Top 25 Women-Owned RIAs list in 2012, 2014, and 2015, on its Top 50 Women-Owned RIAs in 2013, and on its “Top 40 Under 40”. In 2025, she was honored as an Excellence Awardee for Advisor of the Year (Regional – West) by InvestmentNews and named one of AdvisorHub’s Women Advisors to Watch.

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She has appeared on CNBC, CBS, and Fox, and has been quoted in Oprah.com, Forbes, USA Today, The Los Angeles Times, and many more publications. She is a contributor and one of 25 founding members of the Investopedia Advisor Council and has served on The Wall Street Journal Expert Panel.

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Higgins has published three Amazon bestsellers: The Everything Binder Book: Financial, Estate and Personal Affairs Organizer; Stocks, Bonds & Soccer Moms: 7 Steps to a Balanced Life; and College Poor No More! 100 $avings Tips for College Students (100% of her profits from the sale of this book are donated to scholarships).

Higgins graduated from Saint Mary’s College with a concentration in Business Administration and Economics. She served on her alma mater’s Board of Trustees, as it is her passion and privilege to give back to the community by mentoring young talent and raising scholarship funds. She and her husband reside in the San Francisco Bay Area and enjoy spending time with their two daughters.