Rick L. Cullen has over 30 years in the equity and fixed income markets. After serving as the senior portfolio manager at Doctors’ Insurance Company, he along with a partner formed the investment management firm Cullen, Fortier Asset Management (CFAM). After 20 years with CFAM, he merged with First Regional Bank’s Trust and Investment Department where he headed up their Investment Management Department. When the bank merged with a North Carolina financial institution, he left and formed RLC Capital Management. In addition, he was consulting with McCullough and Associates LLC, an equity investment management firm based in San Francisco. Then, along with Will Patterson, he formed CPCM. Rick has a BS in Finance from UCLA and attended Glendale College of Law. He is also a member of the Los Angeles Society of Financial Analysts and a Fellow of the Financial Analysts Federation