Michelle Cortes-Harkins, Fee-Only Financial Planner/Divorce Specialist at Harkins Wealth Management

Michelle Cortés-Harkins, CDFA®, CRPC®, CSRIC®, CPFA®, is a Fee-Only Financial Planner and Divorce Specialist at Harkins Wealth Management, helping individuals, couples, and organizations align financial decisions with their values. With a background in social work and a strong commitment to financial education, she empowers clients to navigate life’s transitions with confidence and clarity. Commonwealth Financial Network®, a Registered Investment Adviser, provides advisory services.

Before entering financial services, Michelle spent more than a decade in social work as a social worker, ESL teacher, and community organizer. “Helping people overcome challenges and improve their lives has always been my passion,” she says. Witnessing how financial uncertainty impacts families led her to shift careers, combining social work principles with financial expertise.

Education remains central to Michelle’s approach. “When people understand their finances, they gain the power to make choices that support their goals,” she explains. She holds a Bachelor’s and Master’s in Social Work from Rhode Island College and serves on the Women’s Council at Commonwealth Financial Network and the ESG Impact Steering Committee. She also collaborates with the Girls Non-Traditional Trades Forum, introducing young women to new career paths.

A strong advocate for financial literacy, Michelle ensures clients feel informed and in control. “When people understand their finances, they gain the power to make decisions that align with their goals and values,” she says. Specializing in collaborative divorce, she guides clients toward financial security and peace of mind with expertise beyond numbers.

Beyond her professional life, Michelle is involved in her community and passionate about environmental and animal welfare. She and her husband and business partner, Rick, have two children, one of whom works alongside them.

As Harkins Wealth Management transitions to an RIA practice in 2025, Michelle remains committed to helping clients achieve financial security, align money with values, and build a future that reflects their dreams.

206 Gano Street,

Providence, 401-278-4049,

HarkinsWealthManagement.com