John J. Higgins, CFP®, AIF®, CFS®

John J. Higgins, CFP®, AIF®, CFS®

Wealth Manager and Retirement Plan Consultant

With more than 25 years of experience in the financial services industry, John is deeply committed to educating clients and helping them plan for retirement and their financial well-being. As an Investment Adviser Representative of Commonwealth Financial Network®, John’s primary role is to give comprehensive retirement planning and investment advice to clients.

Prior to joining Commonwealth, John was a financial advisor and manager with the Cowan Financial Group, a MassMutual agency. There, he earned CERTIFIED FINANCIAL PLANNER™ certification and his life and health insurance licenses. He also holds FINRA Series 7 (General Securities) and Series 24 (Registered Securities Principal) securities registrations. John decided to leave MassMutual and join Commonwealth so he could become a “true” fiduciary asset manager and specialize in providing comprehensive retirement planning advice to plan sponsors and participants.

John is passionate about working with companies that truly want to help their employees save for retirement and make the right financial choices. He personally does a lot of meetings with plan participants, as he believes that everything begins and ends with the participant—making sure that they understand what their employer is providing and that they’re maximizing their benefits and retirement savings.

John holds a BS in business administration, with a minor in finance, from Villanova University. He grew up in Westfield, New Jersey, and while at Westfield H.S., he played both football and lacrosse for the Blue Devils. He met his wife, Tracey, at Villanova, and they raised four children in Bridgewater, New Jersey, where he enjoyed coaching and watching his three sons play lacrosse, basketball, and football and his daughter play volleyball. Jake and Justin graduated from Fairleigh Dickinson University/Madison and Clemson University, respectively. Zachary attends the University of Utah, and Kasey is a student at Gettysburg College, where she continues to play volleyball.

In his free time, you can find John outdoors gardening, playing golf, fishing during early summer mornings at their home on Culver Lake, or enjoying the New Jersey shore in Long Beach Island (LBI).


“We make a living by what we get. We make a life by what we give.”

— Winston Churchill