Fiduciary financial advisory and broker-dealer firm at 2223 Avenida De La Playa Suite 210, La Jolla, CA 92037, in the La Jolla Shores commercial plaza. Higgins Capital Management was founded by husband-and-wife advisors Ray and Debbie Higgins, and the firm serves both retail investors and institutional clients with portfolio management, retirement planning, fixed income analysis, and institutional bond trading through a network of over 30 dealers. The institutional side — executing primary and secondary market trades, managing interest rate and credit risk, and advising on liquidity strategy — distinguishes Higgins from the retail-only advisory firms that dominate La Jolla's financial landscape. The Shores location puts the firm next door to Eisenberg Group, a CPA practice operating since 1973 that handles the tax-return side of wealth planning. Clients exploring globally diversified mutual fund strategies may also consider Mundoval Capital Management on Ivanhoe Avenue, which runs its own no-load global value fund.