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DEBORAH M. HIGGINS

Ms. Higgins is the President of Higgins Capital Management, Inc. She provides institutional pricing and services to banks, corporations, foundations and public agency clients. She has 28 years of experience in trading fixed income securities. She Shops The Street, aggressively pursuing the best prices.

Ms. Higgins co-founded Higgins Capital in 1995 after successfully co-founding the Merrill Lynch Institutional Group in San Diego and the Lehman Brothers Regional Institutional Group in La Jolla.

Ms. Higgins has served 3 terms as a member of the California Debt and Investment Advisory Commission (CDIAC) Investment Advisory Committee. She continues her work with CDIAC on Educational Issues. She currently serves on the City of San Diego's Investment Advisory Committee.

She is frequently invited to make presentations at industry workshops and conferences.

 

RAYMOND L. HIGGINS

Mr. Higgins is the Chief Executive Officer of Higgins Capital Management, Inc. He graduated from the U.S. Naval Academy and served as a Surface Warfare Officer. He has advised institutions, business owners and affluent families for 28 years.

Mr. Higgins specializes in 401k Plans for business owners, doctors and senior executives.

Mr. Higgins co-founded Higgins Capital with his wife Deborah. Together they had co-founded the Merrill Lynch Institutional Group in San Diego and the Lehman Brothers Regional Institutional Group in La Jolla.

Mr. Higgins has served as a board member of the California Municipal Treasurer’s Association. He has served as a member of the Investment Policy Committee for the Association of Public Treasurers of the United States and Canada.