Frances Harkins

Frances Harkins

Frances Harkins

Managing Director


Frances Harkins is a Certified Financial Planner® helping families, individuals and business owners understand and solve their financial concerns in Benicia and throughout the Bay Area since 2000. Frances establishes long-term planning relationships with clients whose professions span many fields. In addition to handling her clients’ financial planning and investment needs, Ms. Harkins advocates for affordable, unbiased financial advice for individuals, couples, families, and business owners. As an investment fiduciary, Frances accepts no commissions; fees are transparent and fully disclosed.

After joining North Capital in 2013, Frances and her husband purchased and renovated an old corner store on West K in Benicia to house her office. She wanted to provide a welcoming and comfortable place for folks to tackle their financial lives. The store’s old-fashioned porch will serve as a friendly venue for activities and events to increase awareness of the importance of planning one’s financial future.

Frances has a special interest in helping women gain greater confidence in minding money matters. Traditionally the male’s role, women’s lack of financial knowledge can lead to dismal outcomes as they tend to earn less and live longer than men. Newly-single women can be especially vulnerable. Frances helps women organize and understand their financial circumstances, so that they may effectively manage their financial resources, either as part of a couple or on their own.

Previously, Ms. Harkins worked for the US Treasury’s Office of Thrift Supervision (OTS), the federal regulator of savings and loan institutions. In addition to examining a broad range of thrifts’ management, financial practices, and regulatory compliance, Ms. Harkins helped develop the OTS’ Criminal Referral Unit (CRU). The CRU served as the OTS liaison between US Attorney’s Offices, the FBI and the Secret Service to provide knowledge supporting the prosecution of bank fraud and provide training on financial crimes.

Frances holds a Master of Arts in Economics and a Bachelors of Arts in Business Economics from the University of California, Santa Barbara. She started her career in banking during a master’s level internship at Banca Serfin in Mexico City. After college, she learned lending and bank operations through Bank of America’s officer training program. She spent the majority of her tenure at the Bank’s Customized Financial Services Group assisting high net worth clients with their banking needs.

Frances took a career break to raise her two children. During that time, she managed the financial and tax matters of her family’s engineering company and served on the Boards of local Parent Teacher Associations.