Robert C. Kulle, Jr. is the Founder and CEO of Heritage Capital Strategies, Inc., a boutique firm offering life insurance and wealth-transfer solutions for businesses and high-net-worth families. He leverages his analytical acumen and partnership with M Financial Group to oversee more than $1.5 billion in death benefit coverage, delivering customized, tax-efficient insurance strategies. Based in Westlake Village, California, Robert is also registered with M Holdings Securities and holds securities licenses such as Series 63 and Series 66. In 2025, Forbes named him one of Southern California’s Top Best-in-State Financial Security Professionals.
Many entrepreneurs underestimate the role of life insurance in their overall financial strategy, often seeing it as just another box to check. Misconceptions, confusing products, and a lack of reviews can leave business owners vulnerable to risks that threaten their families, businesses, and legacies. How can entrepreneurs cut through complexity and ensure their coverage actually protects what matters most?
Robert Kulle, a financial security professional specializing in life insurance planning, emphasizes the importance of education, transparency, and periodic reviews. Robert highlights how entrepreneurs should align their insurance with their broader financial goals, approach coverage with the same discipline they use in investing, and choose advisors with the right licenses to access all available products. He stresses flexibility, client-first planning, and the need to avoid one-size-fits-all solutions that often lead to costly mistakes.
In this episode of The Road Already Traveled, Rich Schuette interviews Robert C. Kulle, Jr., Founder and CEO of Heritage Capital Strategies, about misconceptions in life insurance and smarter strategies for entrepreneurs. Robert shares the importance of regular policy reviews and aligning coverage with financial goals. He also discusses lessons he learned from entrepreneurship, the impact of stress on business owners, and how proper planning safeguards generational wealth.
