Higgins Capital Management, INC.

Higgins Capital Management offers continuous investment portfolio management and personal financial planning services based on each client's specific needs, risk tolerance, and time horizon. The firm develops tailored investment strategies using individual stocks, fixed income, mutual funds, exchange-traded funds, and unit investment trusts. Clients can choose between discretionary management, where Higgins Capital Management makes trades without prior approval, or non-discretionary management, where clients approve each transaction. In addition to direct portfolio management, Higgins Capital Management provides access to independent money managers through specialized programs and can coordinate with third-party advisors. Financial planning services cover personal financial planning, retirement planning, insurance and estate planning, capital needs analysis, tax and cash flow analysis, investment analysis, and education planning. Higgins Capital Management also operates as a broker-dealer and insurance agency, creating potential conflicts of interest when representatives recommend commission-based products or securities.