Robert C. Kulle Jr. – Founder & CEO
Robert grew up in Endicott, New York and was drafted out of college by the Cleveland Indians. Following his professional baseball career Robert went to graduate school where he became certified to teach mathematics grades 7-12. In 1998, Robert decided to leave his teaching position in Syracuse, New York and move to Dallas, TX where he pursued an opportunity in financial services. After meeting his wife Stephanie they moved to California in 2004 where he founded Heritage Capital Strategies, Inc. (HCS).
HCS specializes in life insurance solutions for business owners, affluent families, executives, and family offices. Robert has taken his experience as a former professional baseball player and high-school math teacher to differentiate HCS in the life insurance marketplace. He built HCS to utilize his mathematical and educational background to help clients and their professional advisors identify the most favorable life insurance products and funding options for their planning objectives.
Robert’s core beliefs are HCS should focus on the analytics of the life insurance transaction, be independent yet have access to top quality products, and be committed to servicing our existing clients that built our success. These core beliefs and the firm relationship with M Financial have positioned HCS as a trusted resource for professional advisors and clients throughout the country. Robert is committed to post sale customer service/policy review and has built a team at HCS bringing over 60+ years of experience, knowledge, and relationships, that shares the commitment required to manage over $1 Billion in policy Death Benefits for clients.
Robert, Stephanie, and their two children reside in Newbury Park, CA. They support their community through various school, sports, and philanthropic endeavors. As a former professional athlete Robert loves youth sports and volunteers to coach softball, baseball, and basketball. The family are active members of Sherwood Country Club in Westlake Village.
CA Insurance License #0E37635
Karen Moore – Chief Operating Officer
Karen joined Heritage Capital Strategies in February 2011. As Chief Operating Officer she is responsible for continuously improving efficiencies and the delivery of the broad based strategic plan. Karen manages all facets of the business and has a proven executive management track record with over 30 years of experience.
Before joining the company, Karen was a Vice President with Marsh PCLIS/Second Opinion for 20 years. She has spent those years in a variety of management positions including Case Management, Case Design, Commission Accounting and Policy Owner service. Karen has two grown sons and currently resides Wood Ranch.
Lisa Arcuria – Director of Case Management
Lisa joined Heritage Capital Strategies in March of 2024 as Director of Case Management. Lisa held the position of Director of Concierge Services at Crump Life Insurance Services for the Merrill Lynch account, specializing in high-net-worth clients.
Lisa is responsible for all life insurance underwriting and new business projects. She brings to HCS 25 years of life insurance industry experience and carrier relationships. Lisa is highly skilled at navigating difficult cases and is motivated by obtaining the very best results for clients.
Outside of work, she enjoys attending live music performances, theater productions and travel. Despite being based in Charlotte, NC, Lisa makes it a priority to visit her family in California whenever possible.
Amanda Evans – Director of Client Services
Amanda joined Heritage Capital Strategies in December of 2021 as an Account Executive focusing on policy owner services, underwriting, and special projects.
Amanda brings over 12+ years of experience within the finance and insurance industries. Prior to joining Heritage Capital Strategies, Inc, Amanda worked for Nationwide focusing on M Financial Firms to provide exemplary service for their affluent clients and top advisors. She has made it her priority to become well versed in not only life insurance but in providing excellent, expedited, and efficient service for clients and advisors alike.
Amanda resides in Northwestern Ohio with her husband Justin, active nine-year-old daughter, and Goldendoodle Tracker. When she is not sitting on the sidelines of a soccer field or in the bleachers at a softball game, she enjoys attending THE Ohio State University Buckeyes games in the Fall with her friends and family.
Dan Picerni – Director of Insurance Solutions
Dan joined Heritage Capital Strategies in May of 2023 as Director of Insurance Solutions. Dan has over 17 years of experience as a life product specialist. Prior to joining Heritage Capital Strategies, he worked at a prominent Brokerage General Agency as their lead case designer with a focus on estate planning cases for high‐net‐worth families, business owners, premium finance as well as other advanced planning concepts. Dan has a Bachelor of Science degree in Economics from California State University of Northridge. He is a member of Case Designs Partners, a group of veteran case designers from across the country.
Dan lives in Murrieta, California with his wife, daughter, son and dachshunds. He enjoys spending his free time with family. He also likes to burn off steam at the gym lifting weights.
CA Insurance License #0D99443
