Cullen Roche

Cullen Roche

Formal First Name

Cullen Roche is the Founder and Chief Investment Officer of Discipline Funds, a low-fee financial advisory and asset management firm, and Orcam Financial Group, a financial services firm offering research, personal advisory, institutional consulting, and educational services. Roche is a prolific writer and author of the weekly blog, Pragmatic Capitalism, where he provides an alternative perspective to finance and economics, and the popular book of the same name, Pragmatic Capitalism: What Every Investor Needs to Know About Money and Finance. He has over 15 years of experience in the financial services industry working with some of the biggest firms as well as founding his own firms. He started his career at Merrill Lynch Global Wealth Management, where he helped oversee $500+ million in assets. He later managed a private investment partnership which took advantage of reporting irregularities ahead of major corporate events.

Professional Experience

Academic History


  • Roche formed his own private investment partnership in 2005 with a substantial personal investment at the age of 25. 

  • During the the 7 years running the partnership, he was able to guide the small business to high risk adjusted returns with no negative full year returns during one of the most turbulent periods in stock market history.

  • He later founded Orcam Financial Group in 2012 to focus more on helping retail investors with a low fee advisory service.



  • He was named one of the “Top Wall Street Economists, Experts and Opinion Leaders” of 2011 by Wall Street Economists.

  • He was named one of the “101 Best Finance People” by Business Insider, where he was described as “one of the most influential economic thinkers today.”

  • In 2015, he was named one of the “40 Under 40” most influential people in finance by InvestmentNews.