Higher Ground Financial Services Information

At Higher Ground Financial Services, we believe financial planning should meet you where you are and help you move forward with clarity and confidence. Led by financial advisor Monique Castillo, with over 17 years of experience in financial services, we provide personalized financial planning and guidance tailored to your goals, priorities, and stage of life. Our services include investment management, retirement planning, tax-efficient strategies, legacy and generational wealth planning, education funding, and insurance and risk analysis. We take an education-first approach, helping clients understand their financial options, navigate important life transitions, and make informed decisions about their future. Whether you're building a financial foundation, growing your wealth, preparing for retirement, or planning for the next generation, we're here to help you explore your options and develop strategies that align with what matters most to you. Our goal is to make financial conversations more approachable, financial decisions more understandable, and financial planning a collaborative process that evolves with your life. - Securities offered through Cetera Wealth Services LLC, member FINRA/SIPC. Advisory Services offered through Cetera Investment Advisers LLC, a registered investment adviser. Cetera is under separate ownership from any other named entity.