Our People

Robert founded Heritage Capital Strategies in 2004 with a clear vision: to create a boutique consulting firm centered on thoughtful advice, strong relationships, and customized planning strategies for affluent individuals, families, business owners, and executives.

Today, he works closely with clients and centers of influence to design sophisticated life insurance and risk management solutions that support broader wealth, estate, and business planning objectives. With more than 25 years of proficiency in the life insurance industry, Robert has built a reputation for combining technical experience with practical, client-focused guidance.

Karen Moore has more than 35 years of experience in the life insurance industry, and brings deep knowledge, strong leadership, and a practical, solutions-oriented mindset to her role. She has held positions ranging from receptionist to Vice President, overseeing multiple departments throughout her career. What she enjoys most is working alongside her team and helping clients navigate what can often be a complex process—ensuring they receive the best possible outcomes.

Karen plays a central role in keeping Heritage Capital Strategies running efficiently and effectively. As Chief Operating Officer, she manages day-to-day operations across departments, oversees human resources, and ensures workflows and systems are optimized to support both the team and clients. She is also responsible for commission accounting and maintaining the firm's financial ledger—bringing structure and accuracy to the operational side of the business.

Outside of work, Karen enjoys reading mystery novels and spending time gaming, including campaign-style and co-op games. She also values time with her two grown sons and enjoys getting together with her family whenever she can.

Stephanie Kulle is a Southern California native with over 30 years of experience in the life insurance industry. After graduating from USC, she began her career as a regional life wholesaler with Pacific Life in Los Angeles, quickly becoming a top-performing sales representative earning numerous awards. After 5 years, Stephanie became Pacific Life’s first full-time employee in New York State, establishing the company’s first territory in New York City.

John Hancock recruited Stephanie to be a Regional Director where she drove production across multiple distribution channels and qualified numerous times for the company’s elite President’s Club. In 2013, she joined the Nationwide M Financial sales team where she was responsible for the western United States. In 2017, she was honored as Sales Associate of the Year.

Stephanie is excited to join the Heritage Capital Strategies team as Vice President of Business Development. With a deep understanding of life insurance products and how to negotiate complex medical underwriting challenges, she will work with clients and their advisory teams to deliver the best solutions.

Outside of work, Stephanie enjoys traveling, Pilates, cooking, long walks, and college football, cheering on both the USC Trojans and the Alabama Crimson Tide. She and her husband, Robert, have been married since 2003 and have two grown children.

Lisa Arcuria brings more than 30 years of experience in the life insurance industry to her role at Heritage Capital Strategies, where she oversees the underwriting and application process. Working closely with advisors, clients, and insurance carrier underwriters, Lisa guides each case from submission through policy issuance, helping navigate the complexities of the process while striving to achieve the best possible underwriting outcomes.

With an extensive background in underwriting, case management, and carrier relations, Lisa has built strong, long-standing relationships with carrier underwriters that allow her to effectively advocate for clients and collaborate toward favorable results. Her professional background includes CenterLink Second Opinion and leadership positions at Crump, supporting high-net-worth and private banking clients.

Lisa is passionate about providing personalized service, creating clarity throughout the underwriting process, and ensuring clients feel informed and supported every step of the way.

Lisa resides in North Carolina, where she enjoys attending live concerts and theater productions, spending time with family and friends, and traveling whenever she can.

Amanda Evans supports clients throughout their entire relationship with Heritage Capital Strategies—from the initial engagement through ongoing service and support. As Director of Client Success, she serves as a trusted point of contact, helping ensure a seamless experience while delivering responsive, efficient, and high-quality service to both clients and advisors.

With more than 16 years of experience in the life insurance and customer service industry, Amanda is known for her ability to build strong relationships and solve problems effectively. She is passionate about creating structure and clarity for clients, helping them feel supported and confident at every stage of the process.

Outside of work, Amanda enjoys spending time with her husband, daughter, and their Goldendoodle, Tracker. She's also a dedicated Ohio State Buckeyes fan and loves being outdoors—especially during the summer months—along with traveling and creating memories with her family.

Supporting the firm's strategic sales activity, Lyn assists the HCS team with a variety of marketing and administrative tasks such as client account assistance, document and database management, and appointment scheduling.

As a long-time Conejo Valley resident, Lyn has applied her communication and organizational skills in the healthcare and higher education fields, and has worked in the life insurance industry for several years. She earned her bachelor's degree in journalism from Pepperdine University.