Michelle Perry Higgins
Share
Financial Planner/Principal of California Financial Advisors
Michelle Perry Higgins, CFT™
Principal and Financial Planner
Certified Financial Therapist Professional
LinkedIn: MichellePerryHiggins
Instagram: michelleperryhiggins
TikTok: michelle_perry_higgins
Website: www.michelleperryhiggins.com
Sometimes the most important financial planning question has nothing to do with a number.
What do you want this decision to make possible in your life?
Once the goal is clear, the financial conversation has somewhere meaningful to start.
09/20/2026
One reason people stay disconnected from their finances is because they assume they need to become an expert before they can participate.
You don’t.
Being financially informed means understanding your own financial situation, knowing which questions to ask and being able to participate in the decisions that affect your life.
There will always be things you don’t know. That shouldn’t prevent you from understanding the things that directly affect you.
The goal isn’t expertise. It’s involvement.
09/18/2026
Money decisions don’t happen on a spreadsheet.
They happen in the context of relationships, family responsibilities, past experiences, personal values and plans for the future.
Understanding the numbers is important. Understanding what someone wants those numbers to make possible can be just as important.
That’s where financial planning becomes personal.
09/17/2026
A couple both earn their own money.
One believes every purchase over $300 should be discussed. The other believes earning separate income means they shouldn’t need permission to spend it.
Who do you agree with?
The real issue may not be the $300 at all. Couples can have very different ideas about independence, transparency and what deserves a conversation.
What’s your answer?
A conversation about a prenup can feel uncomfortable because it touches much more than money.
It can bring up questions about fairness, independence, expectations, family wealth and what each person believes financial partnership should look like.
Rather than viewing the conversation as a sign of distrust, consider what the discomfort may be telling you.
Sometimes the most valuable part of discussing a prenup is discovering which financial conversations a couple still needs to have.
Your relationship with money has evolved over time—and the financial decisions you make today may carry pieces of earlier chapters with them.
Understanding those patterns can give you a clearer picture of what you want to keep, what you want to change, and what you want your next chapter to look like.
Which chapter taught you the most about money?
09/14/2026
When someone you love asks for financial help, saying yes can feel automatic. But generosity and financial security sometimes compete with each other.
Before answering, it may be worth asking: What does this decision change for me five, ten or twenty years from now?
There’s no universal answer here. What would you do?
09/12/2026
Not every financial decision has an obvious “responsible” answer.
Sometimes two choices can both make sense—it just depends on what you value, what you’re working toward, and what gives you financial peace of mind.
How do you make the call when there’s no obvious right answer?
Click here to claim your Sponsored Listing.
Category
Contact the business
Telephone
Address
12657 Alcosta Boulevard, Suite 470
San Ramon, CA
94583