Michelle Perry Higgins is a Financial Planner and Principal of California Financial Advisors in San Ramon, California, rated top 10 in the nation on CNBC’s FA 100 List and a Financial Times Top 300 firm with over $1.8 billion AUM. Since 1996, she 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.Her work has been recognized numerous times over the last 25 years. Among her many achievements, Ms. Higgins was named Investopedia’s Top 100 Most Influential Financial Advisors list in 2017, 2018 and 2022. Previously, WealthManagement.com ranked her on their Top 25 Women-Owned RIAs list in 2012, 2014, and 2015, on the Top 50 Women-Owned RIAs in 2013, as well as the “Top 40 Under 40”.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. Ms. Higgins is a regular contributor on The Wall Street Journal Expert Panel. She is a frequent public speaker on retirement planning, investments, wealth management, college education funding, estate planning, and insurance. In addition, she has published three Amazon Best Sellers: 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).