# Sandra Higgins

> Sandra Higgins is a fee-only financial advisor at Capstone Financial Advisors in Downers Grove, Illinois, who holds the CFP credential. Capstone Financial Advisors reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/sandra-higgins/
Built from SEC adviser records; last checked October 30, 2026.

## Facts

- **Firm:** Capstone Financial Advisors
- **Based in:** Downers Grove, Illinois
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $2.87B across 4,173 accounts
- **Credentials:** CFP
- **CRD:** 7860385 (https://adviserinfo.sec.gov/individual/summary/7860385)
- **SEC registration:** Investment adviser representative in IL, TX
- **Firm size:** 30 employees
- **Disclosures:** None reported
- **Website:** https://www.capstone-advisors.com

## Frequently asked questions

### Is Sandra Higgins a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Sandra holds no broker registration, and Capstone Financial Advisors reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Sandra charge for financial advice?

Sandra's firm, Capstone Financial Advisors, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Sandra Higgins based?

Sandra Higgins is based in Downers Grove, Illinois.

### What credentials does Sandra Higgins hold?

Sandra Higgins holds the CFP credential.

### Is Sandra Higgins registered with the SEC?

Yes. Sandra Higgins is registered as an investment adviser representative in IL and TX (CRD 7860385), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Capstone Financial Advisors manage?

Capstone Financial Advisors reports $2.87B across 4,173 accounts in assets under management.

### How do I contact Sandra Higgins?

Through Sandra's website, www.capstone-advisors.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/7860385): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.