Cullen Roche

Cullen Roche

Formal First Name

Cullen Roche is the Founder and CIO of Discipline Funds, a low-fee, financial advisory and asset management firm, and Orcam Financial Group, a financial services firm offering financial advisory, consulting, research and educational services. Cullen is an independent financial analyst with extensive background in financial accounting and portfolio management. His primary expertise also includes global macro portfolio construction, quantitative risk management, monetary economics, and behavioral finance. Prior to founding Orcam, he ran a private investment partnership in which he generated substantial alpha with no negative 12 month periods during one of the most turbulent periods in stock market history. He also helped oversee $500M+ in assets under management with Merrill Lynch Global Wealth Management. Cullen is a prolific author who has written numerous research papers and finance books. He has published two of the most widely circulated academic papers in finance and economics – Understanding the Modern Monetary System and Understanding Modern Portfolio Construction.

Professional Experience

Academic History


  • 2015 InvestmentNews 40 Under 40

  • 2011 Top Wall Street Economists Experts and Opinion Leaders

  • Business Insider 101 Best Finance People


  • Cullen is regularly cited in the Wall Street Journal, on CNBC and in the Financial Times, among others.

  • He has also appeared as a guest on Real Vision.